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HomeMy WebLinkAbout08-26-09 15056051058 REV-1500 ~ » I ~ OFFICW. 113E DNLY PA De~rYreldaRevenie Carty Cade y~r Fda MlnOer etseatlalna~rarlTaxm INHERRANCE TAX RETURN Po eox 2aoeln Nerrblxxg, l'AfTt260801 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Sotiad SeauNy Number Deee d Death Date d BirUt 195-07-3587 11/29/2008 08/06/1917 Decedard'a Last Name Suffix DeoedeM's First Nerve MI FALEY JAMES J lM APW~+~) Erahr SurvMrp 8Pouasl IMormMbn Below Spaase's Last Name Suffix Spouse's FNSt Name MI Spouse's Soda Setxxity Ntxrtber THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL Nt APaROI Ru~TE ovALS aEL.ow Ct17 1. Orlpnel Reaan C'.: 2. Stpplamental Ream ,.~..,., 3. Rerr~rMw Realm (dace d tfeaN pion to t2-73-92) ...."~ 4. LNlllted F_s4fe ~.`._".~ 4e. Fulree Mlereat Compomise (dated ..___ 5. Federal Estate Tex Relm Reglired t1saM attar 12-12$2) e".`:: 6. Decedent Died Testate Ct= 7. DecederA MafMaNted a Uvir9 Tn~t B. Tote Number d Safe DeDOSX Boxes (Atteaa Capy d WM) (Atlech Copy d Trost) ~_. °; 9. LiUgatlora Proceeds Retxdvetl C." 10. Spousal Poverty (ketAt (date d t1~31 <:: ~~ 11. Eleclbn b tart under Sec. 9113(A) 4avreen 1231.91 and t-S-95) (Attach Sch. O) CORRESPONDENT - TINS SECTION MUST BE COMPLETED. ALL CORRE8PONDEIICEAHD CONFIDENTIAL TAX INFORMA710N SNDIA.D BE DRlECTED TO: tJatne Daytime Tebplwne Nurrlber FIONA K MILLER Fimt Nerve (N AppficafAe) N rr11 ,-~ REGiSTER(T7F~ILL3 USE,`f~LY ~. r~ l'- n c7 t' ~ ~ Fkat Nne d adtkess r~ r L ,[ ~ P.J r',r , .~-i 1817 BASIN HILL BLVD. ~' %~ °~~ ' ' ' '' c c r~,~ Setxxld Nne d address r I ~ c ~ ,~ =" .. '" -, _ _ v<~ N ''," v } - , r=ri : BATE FILED W ~~ ,,, - Cily tx Post Ollice Sfate ZIP Code __ ~ ..... CARLISLE PA 17013 ComeaporldenTS e-rrlail address: under pen.Me. d PaNxY I doaere era 1 trveatamined Ws rearm. Yxiuarq atxarpenyirrp stiredAee art ateMrarrxs, acrd b the best a my luxxvkd9e and belief, x b true. «vreu end DsGeretion d Isapew aver tlrn the praala repreesntetlre to m.ea an d Inhnrrlbn awlridr ptaparer has ary k+awkdpa. 5008 COLORADO AVE., HARRISBURG, PA 17109 1817 BASIN HILL BLVD., CARLISLE, PA 17013 DATE PLEAS[ USE ORfiO1NAl FORM ONLY Side 1 15056051058 15056051058 a ' J 15056052059 REV-150Q EX .s ~ ~~ oe~aeae ~: JAMES J FALEY 195-07-3567 ~..__.._W__..__.. ___._. __.~._.__..__.___,~_______~. RECAPITULATION 7. Real estate (Sdadub A) ............................................. 1. 2. Sacks erd Bords (Schedule B) ....................................... 2. 3. Cbady Field Caporetlon, Parbarship or SolaPraprielOredYP (Sdtedrde C) ..... 3. 4. Mortgages 8 Notes Reoetvable (Sdredule O) ............................. 4. 5. Cash. Ber* DeposXs 8 L~CeMaaous Personal Properly (Schedule E) ........ 5.. 92,951.03 6. JokrBy Owned Properly (Sdadrde F) CJ Separate BINng Requested ....... 8. 7. Intx-VWoa TranslaB 8 FAsceNaneous NorrProDaRe Property 86 782 03 (ScladAa c> c~ SepareFe Halos Regrre8ted........ T. , . s. Toth Gross Aessb (toml lines t-7} ................................... 6. 178,733A6 9. Fureral Expenses 8 ~ Cosh (Schedule H) ..................... 9. 7.000.00 10. Debts d Decedent, Morlpage Liadlitles. 8 Dens (Schedule i) .............. . . 10. 10,019.41 11. Tow Dsduetlons (total Lines 9 8 10) ................................... 11. 17,019A1 t2. Net Value d Estate (lira 8 mirws Lka tt) .............................. 12. 162,713.65 13.. CfarBaDle and Gwarrxrrenw BequesfslSec 9113 Trusts Ior which an elecdorr to tax Fos rat been node (Sctadule J) ........................ 13. 14. Net VaWa subject co Tax (ura 12 minus tine 13) ........................ . ..-__-_-._. ._ ___.._._ ta. _ .___ 182,713.65 ~_. .. _._ __._._..,.._. ~....__.__~~.e_______._._M_. TAX-COMPUTATION -SEE INSTRUCTIONS FOR APFM-(CABLE RATES 15. Artaura d L:xre 14 taxable at the spousal fax rate. or traretars under Sec. 9118 (a)(12) X .0_ 15. 18. Amount d lire 14 taxabe at9radrate x.045 162,713.65 tg,. 7,322.11 17. AaauM d LNre 14 taxable at sibWg rate X.12 1~• 18. Amaxk d Lire 14 taxable at collateral rate X .15 18. 19. 7AX DUE ......................................................... 19. 20. FILL 9! 711E OVA(. IF YW ARE RBOUESTING A REFUND OF AN OVERPAYMENT ~='.~=~ 15056052059 Sida 2 15056052059 REV-1500 IX Page 3 Decedent's Complete Address: ____ Ffle NumbM .... oECI:oENrs socwL sECUal1r t~uNaEa JAMES J FALEY 195-07-3567 STAEETAODRESS 100 MT. ALLEN DRIVE CITY MECHANICSBURG STATF PA i7P 17055 Tax Payments and Credtts: 1. Tax Due (Page 2 Line 19) 2. CredisJPaymerns A Spousal Poverty Crrdi B. Prior Payments C. D'saunt (~) 7,322.11 7,322.11 7,322.11 TolalCredds(A+B+C) (2) 3. IMeres<IPenaMy if appicable D. NOarest E.y Total IraarestlPorally (D + E) (3) 4. ti Line 2 is grsata tl~n Lire 1 + Line 3. ensr the dunce. This's the OVERPAYMENT. FA h avN on P+We 2, Line ?0 re iequeat a refiard. (4) 5. M Lire 1 + Line 3 is greasy Men Line 2, errtar the difference. Tt4s is Me TAx DIRT. (5) A Enter the interest on Me tax due. (5A) B. Eder Me igtai of Lina 5 + 5A This is Me BALANCE DI!£ (5B) Make Check Payable b: REGISTER OF IMLL$ AGENT PLEASE ANSWER THE FOLLOWING C)UESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decederd make a trarlStef and: Yes No a. resin Me use a irrcanre of Me properly trarsfetred :...................._.................._...................................... .......... ^ b, relakt Me dgM m desv~e who strati use Me properly tra~ened a its iname: • ................................. .......... ^ c. resin a reversionary irderest; a .................................._............................................................................ .......... ^ d. mceive 11re promise for ile of er~er paymerds, benefit a cere? ............................................................ .......... ^ 2. ti deatli ocaxred alter December 12.1982. did decederd traisfer properly wilNn are year of death M6tlioiR receiving adequate ooisfderetioii7 ........................._................................................................................... (] 3. Did deaden! own an 5n tnst tor' a payable upon deatli berdc acooimt a seasiy at his a her dpi .............. ^ 4. Did decedent own an tridlvidiral Retireirieid Aocanl annuity. a ante reo proba6a properly wFVch a t>er>~ary desigx+Uorii ........................................................................................................................ © ^ IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE R AS PART ~ THE RETURN. Fa dates of d~tii on a after July 1.1994 and befae January 1.1995, the tax rate imposed on the net value d transfers m a for the use a> the surviving apotae ~ three (3) percerd [!2 P.S. §x116 (ai (1.1) f )I• Fa dates of deaM on a January 1. 1995, tine tax ram imposed gn the rtet vakre of transfers m a Tor the use of the survivkg spouses zao (0) percent jrt P.S. §9118 (a) (1.1) (rT/j. The statrrDe does not exrrriot a transfnx m a suviving spouse from tax, sent Me statutory regdremerds fa dsdasiue of assets acrd fftng a tax reharr are sMl applicable even'dMe surviving spouse's the only lteriefidary. Fa dates of deaM on a after Juy 1, 2000: The tax rate imposed on the «et value d transfers trap a deceased dtid tvrerdy-anre years of age a yaager at deatir b a mr the use d a natural parent, an adoptive parent, a a stepparent of the chid a zero (O) percent (72 P.S. §9116(a)(12)). The tax ram imposed an the net value of transfers m a fa the use oT the decederifs benefiaaries is four acrd oniaFialf (4.5) percent, except as noted M 72 P.S. §9118(1.2) [f2 P.S. §9116(aJ(1)j. The tart rate enPcsed on the net vahre of transfers m a forthe use of the decedent's srbfings is twelve (12) percent j72 P.S. §9118(a)(1.3)j. Asi~ing is defined, under Secbn 9102, as an indwidua{ wlm fss at least are parent in common vritlr the deoederd, vrhettirrr by bbod a adoption. REV4511 D(+(12.118) Lb6M~NMEK.TH of PENNSnYANw mNiERITAMCE TAX RERIRN fS=SiDEN1' DECE~Ni JAMES S. FALEY SCNEpflLE M Fun~wu ocr~NSes ~ autiuNiSrnrnAtivE cars Sdradtde L A I FUNERAL EXPENSES: t. 8. AQAUNISTRATIVE CASTS: 1. Personal Repreaentatrre's Commissions Noma d Pereorral RepreseM~ve(s) Social Seaasy Number(s11EIN Nwrter d Peroorrel Repreaenta9ve(s) S6eetMdiass City .State Year(sl Commission Paid: 2. AtOOrtrey Fees 3. Fardy Fxempdar: (lf deeedam's address is nd the sense a6 de6nant's, adach expWadion) geimant Strad Address Rdetlorahip d (XaNnard to Decedent 4. Probde Fees 5. Aocoradad's Fees 6. Tax Reharr Preparer's Fees ~. TRUSTEE FEES - PATRICIA SHAVER, TRUSTEE ZD ZD TOTAL (Also ender on Byre 9, Recapflltlatloni ~ S (M more space is needed, trwert addfionaf ataelt d the earns size) 1,000.00 6,000.00 7,000.00 REV-1598 EX* (8-98) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT JAMES J. FALEY SCNEDIILE E CASH, BANK DEPOSITS, & MISC. PERSCINAL PROPERTY (N more ewoe ie rKeded, :Nero m6UOnel sheers d the same sim) REV•1610 EXF (9-98) COMMONWEALTH OF PENNSYLVANIA INHERRANCE TA% RETURN RESIDENT DECEDENT SCHEpULE 6 RATER-vrvos TRANSFERS & MISC. NON-PROBATE PROPERTY ESTATE OF FKE NUMBER JAMES J. FALEY This sdled1le must tb conpbbd end tied N tle Brewer b 91pJ dquepion t dY0tgl14 qi Ole ilWM9e 9idB d the f~V-5500 CCNER SLEET ie yBS. fTEM NU DES(:PoPTION OF PROPERTY alCllpE 11E NNEOF tNESRNef~.lIENN3filpllilOOH~LNiI ND neo~amµsa ,vual~mrraneo®weecaasme DALE OF DEATH WILUE OF ASSET ;6 OF DETA'S ItiTEREST EXtAUSIpI TAXABLE VALUE 5- JAMES J. FALEY REVOCABLE LNING TRUST; INCLUDES CHECKING 86,782.03 100 86,782.03 ACCT. N0.32184806; M3T MONEY MARKEt ACCT. NO 950928670; AND MISCELLANEOUS REFUNDS. TOTAL (Abo eRffir 011 Ihie i RecapiWlelion) i ~ 86,782.03 (Ir mere apace ~ reeled, msxt eddl6olwt aMds dtrb same sire) REV-1513 EX+ (17-08J r enn lvarria "'~ p sY SCHEDULE DEPANTMENT OF aEVENNE rwNErtirAro:E raz aEnmN BENEFICIARIES R61DENr DECEDENr ESTATE OF FILE NUMBER JAMES J. FALEY RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY Do Not List Trustee(s) OF ESFATE I TAXABLE DISTRIBUTIONS [Indude outright spousal dstribudons and transfers under Sec. 9116 (a) (Idj.] 1. PATRICIA SHAVER, 5008 COLORADO AYE, HARRISBURG, PA 17108 DAUGHTER 33.334% 2 J. MICHAEL FALEY, WELLSVILLE, PA SON 33.333% 3 JOSEPH P. FALEY, 3220 CLOVERFIELD RD., HARRISBURG, PA 17109 SON 33.333% ENTER DOLLAR AMOUNTS FOR DISTRIBlRI0N5 SHOWN ABOVE ON LINES 15 THROUGH IB OF REV-1500 COVER SHEET, A S APPROPRIATE. II NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN 1. B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS 1. T07AL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBURONS OH LINE 13 OF REV-1500 COVER SHEET. ; If more space is needed, insert addRknal sheets of the same size. ' REV-1512 EX+ (12-08) ~ Pennsylvania DEPAflTMENT OE REVENUE INHERITANCE TAX RETVRN RESIDENT DECEDENT SCHEDULEI DEBTS OF DECEDENT, MORTGAGE LIABILITIES & LIENS ESTATE OF rate nunnetc -srscs 5. Fr~~.y Report debts incurred by the deadeM prhx to d~th that ranained unpaid at the date of death, indudie0 wNeimhursad medkat espensea. 1• OR. HUFF, DENTIST BILL OF DECEDENT 35.00 2. ALERT RX -MEDICAL BILL OF DECEDENT 73.56 3. ALERT RX -MEDICAL BILL OF DECEDENT 62.64 4. MESSIAH VILLAGE -NURSING HOME BILL OF DECEDENT 6,920.17 5. MESSWi VILLAGE -NURSING HOME BILL OF DECEDENT 394.02 6. ACCOUNT ASSOCIATES -TAX LIABILITY OF DECEDENT 50.00 7. MESSIAH VILLAGE -NURSING HOME BILL OF DECEDENT 394.02 8. DEPARTMENT OF TREASURY -2007 FEDERAL INCOME TAX LIABILITY 2,090.00 TOTAL (Also enter on line 10, RecapRuladon)' # 10,019.41 If more space is needed, Insert addRional sheets o(the same sim. LAST WILL AND TESTAMENT (Poor-Over Will) OF JAMES J. FALEY IDENTITY I, 3AMES 3. FALEY, residing in the County of Dauphin, Corrunonwealth of Pennsylvania, being of sound mind and memory, and not acting under duress or undue influence of any person whomsoever, hereby declare this to be my Last Will and Testament, and I do hereby revoke all other former Wills and Codicils to Wills heretofore made by me. My Social Security Number is 195-07-3567. I have the following children: Patricia Shaver, born September 19, 1943 and currently residing in Harrisburg, PA; J. Michael Faley, bom August 26, 1948 and currently residing in Wellsville, PA; and Joseph P. Fa[ey, born July 1, 1952 and currently residing in Harrisburg, PA. DEBTS, TAXES AND ADMINISTRATION EXPENSES I have provided for the payment of all my debts, expenses of administration of property wherever situated passing under this Will or otherwise, and estate, inheritance, transfer, and succession taxes, other than any tax on ageneration-skipping transfer that is not a liability of my Estate (including interest and penalties, if any) that become due by reason of my death, under THE JAMES J. FALEY REVOCABLE LIVING TRUST executed on even date herewith (the "Revocable Trust'. If the Revocable Trust assets should be insufficient for these purposes, my Executor shall pay any unpaid items from the residue of my Estate passing under this Will, without any apportionment or reimbursement. In the alternative, my Executor may demand in a writing addressed to the Trustee of the Trust an amount necessary to pay all or part of these items, plus claims, pecuniary legacies, and family allowances by court order. PERSONAL AND HOUSEHOLD EFFECTS It is my intent that all my personal and household effects were transferred to the Revocable Trust as a result of the Declazation of Intent signed this date. If there are any questions regazding the ownership or disposition of these assets, it is my desire that such assets pour into the Revocable Trust, signed by me this date in accordance with the provisions of the section titled "Residue of Estate." RESIDUE OF ESTATE I give, devise and bequeath all the rest, residue and remainder of my property of every kind and description (including lapsed legacies and devices), wherever situated and whether acquired before or after the execution of this Will, to the Trustee under that certain Trust executed by me on the same date of the execution of this Will. The Trustee shall add the property bequeathed and devised by this item to the corpus of the above described Trust and shall hold, administer and distribute said property in accordance with the provisions of the said Trust, including any amendments thereto made before my death. If for any reason the said Trust shall not be in existence at the time of death, or if for any reason a court of competent jurisdiction shall declare the foregoing testamentary disposition to the Trustee under said Trust as it exists at the time of my death to be invalid, then I give all of my Estate includmg the POUR-OVER WILL ~~ Page 1 t ~C/ke:rtai.°- residue and remainder thereof to that person who would have been the Trustee under the Trust, as Trustee, and to their substitutes and successors under the Trust, described herein above, to be held, managed, invested, reinvested and distributed by the Trustee upon the terms and conditions pertaining to the period beginning with the date of my death as are constituted in the Trust as at present constituted giving effect to amendments, if any, hereafter made and for that purpose I do hereby incorporate such Trust by reference into this my Will. EXECUTOR I hereby nominate and appoint Patricia Shaver to serve without bond as my htdependent Executor of this my Last Will and Testament. In the event the £ust named Executor shall predecease me or is unable or unwilling to act as my Executor for any reasons whatsoever, then and in that event, I hereby nominate and appoint J. Michael Foley to serve without bond as my Independent Executor. in the event the second named Executor shall predecease me or is unable or unwilling to act as my Executor for any reasons whatsoever, then and in that event, I hereby nominate and appoint Joseph P. Foley to serve without bond as my Independent Executor. Whenever the word "Executor" or any modifying or substituted pronoun therefore is used in this my Will, such words and respective pronouns shall be held and taken to include both tbe singular and the plural, the masculine, feminine and neuter gender thereof, and shall apply equally to the Executor named herein and to any successor to substitute Executor acting hereunder, and such successor or substitute Executor shall possess all the rights, powers, duties, authority, and responsibility conferred upon the Executor originally named herein. EXECUTOR POWERS By way of Illustration and not of limitation and in addition to any inherent, implied or statutory powers granted to executors generally, my Executor is specifically authorized and empowered with respect to any property, real or personal, at any time held under any provision of this my Will: to allot, allocate between principal and income, assign, borrow, buy, care for, collect, compromise claims, contract with respect to, continue any business of mine, convert, deal with, dispose of, enter into, exchange, hold, improve, incorporate any business of mine, invest, tease, manage, mortgage, grant and exercise options with respect to, take possession of, pledge, receive, release, repair, sell, sue for, make distributions in cash or in kind of partly in each without regard to the income tax basis of such asset and in general, exercise all of the powers in the management of my Estate which any individual could exercise in the management of similaz property owned in its own right upon such temss and conditions as to my Executor may seem best, and execute and deliver any and, all instruments and do all acts which my Executor may deem proper or necessary to carry out the purpose of this my Will, without being limited in any way by the specific grants or power made, and without the necessity of a court order. My Executor shall have absolute discretion, but shall not be required, to make adjustments in the rights of any Beneficiaries, or among the principal and income accounts to compensate for the consequences of any tax decision or election, or of any investrnent or administrative decision, that my executor believes has had the effect, directly or indirectly, of preferring one Beneficiary or group of Beneficiaries over others. in detemrining the Federal Estate and Income Tax liabilities of my Estate, my Executor shall have discretion to select the valuation date and to determine whether any or all of the POUR-OVER WILL ~ A~ Page 2 ~ J` Testator allowable administration expenses in my Estate shall be used as Federal Estate Tax deductions or as Federal Income Tax deductions. SPECIFIC OMISSIONS I have intentionally omitted any and all persons and entities from this, my Last Will and Testament, except those persons and entities specifically named herein. If any person or entity shalt challenge any term or condition of this Will, or of the Living Trust to which I have made reference in the sections "Household and Personal Effects" and "Residue of Estate," then, to that person or entity, I give and bequeath the sum of only one. dollaz ($1.00) only in lieu and in place of any other benefit, grant, bequest or interest which that person or interest may have in my Estate or the Living Trust and its Estate. SIMULTANEOUS DEATH L` any other Beneficiary should not survive me for sixty (60) days, then it shall be conclusively presumed for the purpose of this my Will that saidBeneficiary predeceased me. J S J. stator This instrument consists of 5 typewritten pages, including the Attestation Clause, Self-Provin Clause, signature of Witnesses, and acimowledgment of officer. I have signed my name at the bof each of the pre~~ ing 4ages. .~'tljs ~ instrument is being signed by me on this ~~ . day of POUR-OVER WILL Page 3 ATTESTATION CLAUSE The Testator whose name appears above declared to us, the undersigned, that the foregoing instrument was his/her Last Will and Testament, and he or she requested us to act as witnesses to such instrument and to his/her signatwe thereon. The Testator thereupon signed such instrument in ow presence. At the Testator's request, the undersigned then subscribed ow names to the instrument in ow own handwriting in the presence of the Testator. The undersigned hereby declare, in the presence of each of us, that we believe the Testator to be of sound and disposing mind and memory. Signed by us on the same day and yeaz as this Last Will and Testament was signed by the Testator. WITNESSES: ~~ _~~. v (Printed Name of Witness) ADDRESSES: ~ 6 / // city, s ,zip ~ r',ai~r=-- ~jUED~~ (Printed Name of Witness) City, State, Zip POUR-OVER WILL Page 4 fator COMMONWEALTFI OF PENNSYLVANIA COUNTY OF DAUPHIN SELF-PROVING CLAUSE B O ,the undersigned authonty o this d~y~ all appe JAMES J. FALEY, ~~i//~/ ., ~.~/i'Ti ancySj~/~~' .~t/~~ l/ , laown to me to be the Testator and the witnesses, respectively, whose names aze subscribed to the foregoing instrument in their respective capacities, and all of them being by me duly sworn, JAMES J. FALEY, Testator, declared to me and to the witnesses, in my presence, that the instrument is hislher Will and that he or she had willingiy made and executed it as his/her free act and deed for the purposes therein expressed; and the Witnesses, each on his or her oath, stated to me in the presence and hearing of the Testator, that the Testator had declazed to them that the instnunent is his Will and that be or she executed the same as such and wanted each of them to sign it as a wifiess; and upon their oaths, each witness stated further that he or she did the same as a witness in the presence of the Testator, and at his request and that he or she was at that time eighteen (18) years of age or over and was of sound mind, and that each of the witnesses was then at least fourteen (14) yeazs of age. SUBSCRIBED AND ACKNOWLEDG: bscribed and worn ,to ore me by s~ i 4~ D fib'" A~.~ ~ ~~ , `JWi ess (Printed Name of Witness) /rgefore J. FALEY Testator, and /.!/r~.~~~~~.-_ r7 and witnesses, this the day of Notary ~o, Commonwealth of Pennsylvania NOTAf21AL SERI TODD & l3ARRY, Nomry Pubtlc C Y~,~ POUR-OVER WILL Page 5 REVOCABLE LIVING TRUST AGREEMENT T~ AGREEMENT AND DECLARATION OF TRUST, made effective the _1 day of ~~~~t , 20 r , by JAMES J. FALEY, Grantor, Settlor and Trustee, who resides at l I S. 43rd Street, Harrisburg, County of Dauphin, Commonwealth of Pennsylvania, does hereby establish a Trust upon the conditions and for the purposes hereafter set forth. WITNESSETH: WHEREAS, in order to provide the future comfort and security to himself and the other beneficiaries hereafter mentioned, Grantor desires to create a revocable trust for the purposes hereinafter set forth; ARTICLE ONE Terms of the Trust Section 1.01 -Trost Estate Defined NOW, THEREFORE, in consideration of the premises and of the Covenants herein contained this Revocable Trust is formed to hold title to real and personal property for the benefit of the Settlor of this Trust and to provide for the orderly use and transfer of these assets upon the death of the 5ettlor. The "Trust Estate" is defined as all property transferred or conveyed to and received by the Trustee held pursuant to the terms of this instrument. The Trustee is required to hold, admirdster, and distribute this property as provided in this Trust Agreement. The name of this Trust Agreement shall be: THE JAMES J. FALE~VOCABLE LNING TRUST AGREEMENT DATED ~// 20 "`~~ Section 1.02 -Definitions of Terms As used in this Trust Agreement: 1. The term "Settlor" shall mean JAMES J. FALEY. 2. The term "Descendant" shall mean the lawful issue of a deceased pazent in the line of descent, but does not include the issue of any parent who is a descendant of the deceased person in question and who is living at the time in question. 3. The terms "Child" and "Descendant" include any issue bom to decedent, a child legally adopted by the decedent, and a posthumous child of a decedent. A posthumous child is to be considered as living at the time of his or her pazent's death. 4. The term "Survives" or "Surviving", unless otherwise indicated herein, shall be construed to mean surviving the decedent for at least sixty (60) days. If the person referred to dies REVOCABLE LIVING TRUST AGREEMENT Page 1 within sixty (60) days of the death of the decedent, the reference to him or her will be construed as if he or she had failed to survive the decedent; provided, however, that any such person will have, during such period, the right to the use and enjoyment as a life tenant of a31 property in which his or her interest will fail by reason of death during such period. 5. The term "Issue" will include all natural and adopted children, if applicable, and descendants and those legally adopted into the line of descent. 6. .The term "Per 5tirpes" means strict per stirpes and does not mean per capita with representation. Beneficiaries entitled to take under a "per stirpes" clause will include both natural and adopted children and their descendants. 7. The terms "Trust Assets" and `"frost Estate" include all assets of any trust created hereunder and income derived from such assets and all proceeds of any description derived from the sale, exchange, or other disposition of such assets. S. When required to give reasonable effect to the context in which used, pronouns in the masculine, feminine, or neuter gender include each other, and nouns and pronouns in the plural or singular number include each other. Section 1.03 -Trustee Designation Settlor is hereby designated as Trustee. The term "Trustee" as used in this Trust Agreement shall refer to Settlor so long as he or she serves as Trustee, and/or to any successor Trustee who assumes the role of Trustee. These Trustees shall serve in the order as provided in Section S.Oi of this Trust Agreement. Section 1.04 -Additions to Trust Properties The Trustee, at any time during the continuance of this Trust in his or her sole discretion after consideration of the possible tax consequences to all concerned, is authorized to receive into the Trust additions of cash and other properties from any source whatsoever, whether by gift, will, or otherwise. However, the Trustee shall accept all assets which any person or persons may give, devise, or bequeath by Last Will and Testament to this Trust, and shall accept all assets transferred to this Trust pursuant to the provisions of any other Trust document or documents. 2. In addition, any person or persons may designate this Trust as the Beneficiary, Primary or Contingent, of any death benefits to include insurance benefits, pension benefits, or other benefits. Until such benefits mature, the Trustee shall have no responsibility with respect to those benefits. SeMion 1.05 -Apportionment The Trustee of the Trust is directed to apportion receipts and expenditures of the types described below between principal and income as follows: I. Whenever the principal, or any part thereof, of the Trust property is invested in securities purchased at a premium or at a discount, any premium will be charged against principal and any discount will be credited to principal; REVOCABLE LIVING TRUST AGREEMENT Page 2 2. Any stock dividends and rights to purchase additional stock issued on securities held in trust will be treated as principal. All other dividends, except liquidating distributions, will be treated as income; and 3. The amount of any applicable depletion allowance for federal income tax purposes will be treated as income. Section 1.06 -Discretionary Termination The Trustee may terminate any Trust when, in the opinion of the Trustee, the principal is reduced to such an extent that it is not in the best interest of the Beneficiary or Beneficiaries to continue the Trust. The judgment of the Trustee with respect to this decision to terminate will be final and not subject to judicial review. If the Trustee terminates a Trust according to this Section, the date the Trust terminates will be deemed the date fixed for termination of the Tnrst, and the Trustee will distribute the assets of the terminating Trust to the Beneficiary or Beneficiaries pursuant to this Agreement. Section 1.07 -Amendment and Revocation At any time during the life of the Settlor, the Settlor may, by a duty executed instrument filed with the Trustee: Amend this Trust Agreement in any manner; andfor 2. Revoke this Trust Agreement in part or in whole. If the Trust Agreement is revoked in whole, the Trustee shall transfer title to all Trust property of every kind and description back into the individual name of the Settlor. The instnrment of amendment or revocation shall be effective immediately upon its proper execution by the Settlor, but until a copy has been received by a Trustee, that Trustee shall not incur any liability or responsibility either (i) for failing to act in accordance with such instrument or (ii) for acting in accordance with the provisions of this Trust Ageement without regard to such instrument. 3. Withdraw from the Trust Estate all or any part of the principal and accumulated income of the Trust to satisfy liabilities lawfully incurred in the administration of this Trust. Section 1.08 -Revocation or Alteration by Settlor Alone The rights of revocation, withdrawal, alteration, and amendment reserved in this Article may only be exercised by the Settlor and may not be exercised by any other person, including an agent, a guardian, or a conservator. Section 1.119 -Irrevocability Except as otherwise provided, on the death of Settlor, the designation of Beneficiaries. of specific gifts in this Trust shall become irrevocable and not subject to amendment or modification. Section 1.10 -Settlor Powers The Settlor shall be the Trustee unless and until he or she resigns in writing or is detemrined incompetent under the terms provided herein. The Settlor shall retain all absolute rights to discharge or replace any Successor Trustee so long as the Settlor is competent. REVOCABLE LIVING TRi1ST AGREEMENT Page 3 ARTICLE TWO Trust Administration Section Z.01 - Trnst Income During the life of the Settlor, the Trustee shall at least annually, unless otherwise directed by Settlor in writing, pay to or apply for the benefit of Settlor, all of the net income from the Trust Estate. Section 2.02 -Protection of Settlor in Event of Incapacity During the life of the Settlor, should Settlor become incapacitated as defined in Section 2.03 below, the Trustee may, in the Trustee's absolute discretion, pay income and principal for. the benefit of the incapacitated Settlor, and may pay to or apply for the benefit of that Settlor such sums from the net income and from the principal of the Estate of the Trustee, in the Trustee's absolute discretion, believes is necessary or advisable for the medical caze, comfortable maintenance, and welfaze of the Settlor. Section 2.03 -Incapacity In the event that any Trustee or any Beneficiary hereunder comes into possession of any of the following: A jurisdictionally applicable court order holding the party to be legally incapacitated to act on his or her behalf and appointing a guardian or conservator to act for him or her; or 2. Written certificates which are duly executed, witnessed, and acknowledged of two licensed physicians, each certifying that the physician has examined the person and has concluded that, by reason of accident, mental deterioration, or other cause, such person has become incapacitated and can no longer act rationally and prudently in his or her own financial best interest; or 3. Evidence which such Trustee or Beneficiary deems to be credible and currently applicable that a person has disappeazed, is unaccountably absent, or is being detained under duress, and that he or she is unable to effectively and prudently look after his or her own best interests, then in that event and under those circumstances: a. Such person is deemed to have become incapacitated, as that term is used in this Trust agreement; and b. Such incapacity is deemed to continue until such court order, certificates, and / or circumstances are inapplicable or have been revoked. A physician's certificate to the effect that the person is no longer incapacitated shalt revoke a certificate deciaring the person incapacitated- The certificate which revokes the earlier certificate may be executed by either the original certifying physician or by two other licensed, board certified physicians. No Trustee shall be under any duty to institute any inquiry into a person's possible incapacity. The reasonable expense of any such inquiry shall be paid from the Trust Assets. Section 2.04 -Principal Invasion During the life of the Settlor, should the net income of assets contained in this Trust at the tune of the Settlor's death be insufficient to provide for the care, maintenance, or support of the Settlor as herein defined, the Trustee may, in the Trustee's sole and absblute discretion, pay to or apply for the benefit of the Settlor or any of their dependents, such amounts from the principal of the Trust Estate as the Trustee deems necessary or advisable for the care, maintenance, or support of the Settlor. REVOCABLE LIVING TRUST AGREEMENT Page 4 Section 2.05 -Residence If the Settlor's residence property is a part of the Trust, the Settlor shall have possession of and full management of the residence and shall have the right to occupy it free of rent. Any expenses arising from the maintenance of the property and from all taxes, liens, assessments, and insurance premiums, aze to be paid from the Trust to the extent that assets aze available for payment. It is the intent of the Grantor to retain all homestead rights available to him or her under the applicable state law. ARTICLE THREE Adminlstration/Dlstribution of Trust Section 3.O1 -Death (hr the death of the Settlor, the Trustee shall distribute the prigcipal of the Trust and any accrued or undistributed income from tbe principal of the Trust in such a manner and to such persons, including the Estate of the Creditors, as directed in this Trust Agreement. Section 3.02 -Payment of Death Expenses On the death of the Settlor, the Trustee shall pay from the Trust Estate constituting the Settlor's last illness, funeral, burial and any inheritance, estate, or death taxes that maybe due by reason of the Settlor's death, unless the Trustee in his or her absolute discretion determines that other adequate provisions have been made for the payment of such expenses and taxes. Section 3.03 - Trust Income and Principal Distribution The Trustee shall apply and distribute the net income and principal of each of the shares of the resulting Trust Estate, after giving effect to the section of this Trust Agreement entitled "Special Directives" to the following Beneficiaries in the indicated ftactional shares: Patricia Shaver 1/3 J. Michael Faley 1/3 Joseph P. Faley 1/3 2. If any of the above Beneficiaries, or any other Beneficiary, is under the age of 21 years when the distribution is to be made, the Trustee shall have authority to distribute the same, in whole or in part, to a custodian for the minor appointed under a Uniform Gifts or Transfers to Minors Act, or the Trustee may retain any such property and administer and distribute the same for the benefit of the minor, paying to or for the benefit of such minor so much of the income and principal of the retained property from time to time as the Trustee deems advisable for the health, education, support, and maintenance of the minor. When the. person for whom the property is held attains the age of 21 years, the property shall thereupon be distributed to him or her free of tr1sK unless otherwise stated in this Agreement. If the minor should die before attaining the age of majority, the properly shall then be paid and distributed to the estate of the minor. 3. If all of the Settior's Beneficiaries and their children should fail to survive the fmal distribution of the Trust Estate, all of the Trust Estate not disposed of as hereinabove provided shall be distributed as provided for in this Trust Agreement. REVOCABLE LIVING TRUST AGREEMENT Page 5 Section 3.04 -Principle of Representation If a Beneficiary of the Settlor should fail to survive to collect his or her share, that share shall pass to the surviving issue of that deceased Beneficiary per stirpes and with right of representation. ARTICLE FOUR Trustee Powers & Provisions Section 4.01 -Non-Income Producing Property During the life of the Settlor, the Trustee is authorized to retain in the Trust, for so long as the Trustee may deem advisable, any property received by the Trustee from the Settlor, whether or not such property is of the character permitted by law for the investment of Trust funds. Section 4.02 -Trustee Powers The Trustee shall have all powers eonfen•ed upon a Trustee by law for the orderly administration of the Trust Estate. if any property is distributed outright under the provision of this Trust Agreea~rtt to a person who is a minor, distribution may be made under the Pemnsylvania Uniform Transfer to Minors Act ("PAUTMA"). The Trustee is further authorized to sign, deliver, and/or receive any documents necessary to carry out the powers contained within this Section The Trustee of any trust created under this Trust Agreement (including any substitute or successor Trustee) will have and be subject to all of the powers, duties, and responsibilities granted or imposed by the Pennsylvania Consolidated Statutes (20 Pa. C.S. Section 101 et seq.) as such Statute may provide at the time of administration of the Trust, except to the extent that the same are inconsistent with the provisions of this Agreement. Section 4.03 -Specific Powers of Trustee In addition, the Trustce will have the following specific powers: Trust Estate: The Trustce may leave invested any property coming into its hands hereunder in any form of investment even though the investment may not be of the character of investments permitted by law to trustees, without liability for loss or depreciation in value. The Trustce may sell, exchange, or otherwise dispose of and reinvest property which may at any time be a part of the Trust Estate upon such terms and conditions as the Trustee may deem advisable. The Trustee may invest and reinvest the Trust Assets from time to time in any property, real, personal, or mixed, including without limitation, securities of domestic and foreign corporations and investment trusts or companies, bonds, debentures, preferred stocks, common stocks, mortgages, mortgage participation, and interests in common trust funds, all with complete discretion to convert realty into personalty or personalty into realty or otherwise change the character of the Trust Estate, even though such investment (by reason of its character, amount, proportion to the total Trust Estate, or otherwise) would not be considered appropriate for a fiduciary apart float this provision and even though such investment caused part or all of the total Trust Estate to be invested in investments of one type or of one business or company. 2. Holding Property: The Trustee may hold property in the Trustee's name, as trustce, or in the name of a rtomince without disclosing the Trust. REVOCABLE LIVING TRUST AGREEMENT Page 6 3. Release of Power: If the Trustee deems it to be in the best interest of the Trust and its Beneficiaries, the Trustee, by written instrument signed by such Trustee, will have the power and authority to release, disclaim, or restrict the scope of any power or discretion granted in this Trust Agreement or implied by law. 4. Agents, Employees: The Trustee may employ one or more agents to perform any act of administration, whether or not discretionary, including attorneys, auditors, investment managers, or others, as the Trustee shall deem necessary or advisable. The Trustee may compensate agents and other employees and may delegate to them any and all discretions and powers. 5. Leases: The Trustee may lease any Trust Assets generally or for oil, gas, and mineral development, even though the lease term may extend beyond the term of the. Trust of which the property is a part. The Trustee may enter into any covenants and agreements relating to the property so7eased or concerning any improvements which may then or thereafter be erected on such property. 6. Common Funds: The Trustee may hold any of the Trust Assets in a common fiord with property from other trust estates and may make investments jointly with any other trust, the property of which is included in the common fund. 7. Securities: With respect to securities held in the Trust Estate, the Trustee may exercise all the rights, powers, and privileges of an owner, including but not limited to, the power to vote, give proxies, and to pay assessments and other sums deemed by the Trustee necessary for the protection of the Trust Estate. In addition, the Tmstee may participate in voting trusts, foreclosures, reorganizations, consolidations, mergers, and liquidations, and in connection therewith, to deposit securities with and transfer title to any protective or other committee under such terms as the Trustee may deem advisable. In addition, the Trustee may exercise or sell stock subscription or conversion rights and may accept and retain as an investment any securities or other property received through the exercise of any of the foregoing powers, regazdless of any limitations elsewhere in this instrument relative to investments by the Trustee. S. Purchases from Estate: The Trustee may purchase property of any kind from the Executor or Administrator of the Estates. 9. Lending: The Trustee may make loans, secured or unsecured, to the Executor or Administrator of the Estate, to any Beneficiary of the Trust, or to the Trustee. Further, the Trustee may use Trust Assets to guarantee obligations of any income Beneficiary of the Trust (unless such Beneficiary is serving as Trustee). 10. Distributions to or for Beneficiaries: The Trustee may make any distnbution contemplated by this Trust Agreement (1) to the Beneficiary; (2) if the Beneficiary is under a legal disability or if the Trustee determines that the Beneficiary is unable to properly manage his or her affairs, to a person famishing support, maintenance, or education for the Beneficiary or with. whom the Beneficiary is residing for expenditures on the Beneficiary's behalf; or (3) if the Beneficiary is a minor, to a trustee of an existing trust established exclusively for.the benefit of such minor, whether created by this Trust Agreement or otherwise, or to a custodian for the Beneficiary, as selected by the Trustee, under the Pemisylvania Uniform Transfer to Minors Act. Alternatively, the Trustee may apply all or a part of the distribution for the Beneficiary's benefit. Any distribution under this paragraph wilt be a full discharge of the Trustee with respect thereto. On any partial or final distribution of the Trust Assets, the Trustee may apportion and allocate the assets of the Trust Estate in cash or in kind, or partly in cash and partly in kind, or in undivided interests in the mariner deemed advisable at the discretion of the Trustee and to sell any properly REVOCABLE LIVING TRUST AGREEMENT Page 7 deemed necessary by the Trustee to make the distribution. The Trustee may distribute gifts of up to $10,000.00 per yeaz per donee out of principal and/or interest. I1. Insurance: The Trustee may purchase new life insurance, pay the premiums on existing life insurance on the life of any Trust Beneficiary, purchase annuities (either commercial or private) from any corporation, trust, or individual, and may procure and pay the premiums on other insurance of the kinds, forms, and amounts deemed advisable by the Trustee to protect the Trustee and the Trust Estate. 12. Borrowing: The Trustee may borrow money from the Trust Estate and others. To secure the repayment thereof, the Trustee may mortgage, pledge, or otherwise encumber part or all of the Trust Assets, and in connection with the acquisition of any property, the Trustee may assume a liability or may acquire property subject to a liability. 13. Repairs: The Trustee may make ordinary and extraordinary repairs and alterations to buildings or other Trust Assets. 14. Reserves: The Trustee may establish such reserves out of income for taxes, assessments, repair, and maintenance as the Trustee considers appropriate. 15. Continuation of Business: The Trustee may continue any business or businesses in which the Trust has an interest at the time of the Settlor's death for so Song as the Trustee may, in its sole discretion, consider necessary or desirable, whether or not the business is conducted by the Settlor at the time of his/her death individually, as a partnership, or as a corporation wholly owned or controlled by him, with full authority to sell, settle, and discontinue any of them when and upon such terms and conditions as the Trustee may, in its sole discretion, consider necessary or desirable. 16. Retain Property for Persona3 Use: The Trustee may retain a residence or other property for the personal use of a Beneficiary and to allow a Beneficiary to use or occupy the retained property free of rent and maintenance expenses. 17. Dealings with Third Parties: The Trustee may deal with any person or entity regazdless of relationship or identity of any Trustee to or with that person or entity. The Trustee may hold or invest any part of or all of the Trust Estate in common or undivided interests with that person or entity. 18. Partitions, Divisions, Distributions: The Trustee will have the power to make all partitions, divisions, and distributions contemplated by this Trust Agreement. Any partitions, divisions, or other distributions may be made in cash, in kind, or partly in cash and partly in kind, in any manner that the Trustee deems appropriate (including composing shares differently). The Trustee may determine the value of any property, which valuation will be binding on all Beneficiaries. No adjustments are required to compensate for any partitions, divisions, or distnbutons having. unequal consequences to the Beneficiaries. 19. Claims, Controversies:. The Trustee may maintain and defend any claim or controversy by or against the Trust without the joinder or consent of any Beneficiary. The Trustee may commence or defend at the expense of the Trust any litigation with respect to the Trust or any property of the Trust Estate as the Trustee may deem advisable. The Trustee may employ, for reasonable compensation, such counsel as the Trustee shall deem advisable for that purpose. REVOCABLE LIVING TRUST AGREEMENT Page 8 20. Merger of Trusts: If at any time the Trustee of any Wst created hereunder shall also be acting as trustee of any other trust created by trust instrument or by trust declaration for the benefit of the same beneficiary or beneficiaries and upon substantially the same terms and conditions, the Trustee is authorized and empowered, if in the Trustee's discretion such action is in the best interest of the Beneficiary or Beneficiazies, to transfer and merge all of the assets then held under such trust created pursuant to this Trust Agreement to and with such other trust and thereupon to terminate the trust seated pursuant to this Trust Agreement. The Trustee is further authorized to accept the assets of any other trust which may be transferred to any trust created hereunder and to administer and distribute such assets and properties so transferred in accordance with the provisions of this Agreement. 21. Termination of Small Trust: Any corporate Trustee which is serving as the sole Trustee of any Trust or any Share thereof may at any time terminate such Trust or Share if, in the Trustee's sole judgment, the continued management of such Trust or Shaze is no longer economical because of the small size of such Trust or Share and if such action will be deemed to be in the best interests of the Beneficiary or Beneficiazies. In case of such termination, the Trustee will distribute forthwith the share of the Trust Estate so terminated to the income Beneficiary, per stirpes. Upon such distribution, such Trust or Shaze will terminate and the Trustee will not be Liable or responsible to any person or persons whomsoever for its action. The Trustee will not be liable for failing or refusing at any time to terminate any Trust or a Shaze thereof as authorized by this paragraph. 22. Power to Determine Income and Principal: Dividends payable in stock of the issuing corporation, stock splits, and capital gains will be treated as principal. Except as herein otherwise specifically provided, the Trustee will have full power and authority to determine the manner in which expenses aze to be borne and in which receipts aze to be credited as between principal and income. The Trustee has the power to determine what will constitute principal or income and may withhold from income such reserves for depreciation or depletion as the Trustee may deem fair and equitable. In detemrining such matters, the Trustee may give consideration to the provisions of the Pennsylvania Statutes (or its successor statutes) relating to such matters, but it will not be bound by such provisions. 23. Generation-Skipping Taxes and Payment: If the Tmstee considers any distribution or termination of an interest ar power hereunder as a distribution or termination subject to a generation-skipping tax, the Trustee is authorized: a. To augment any taxable distribution by an amount which the Trustee estimates to be sufficient to pay such tax and chazge the same to the particulaz trust to which the tax related without adjustment of the relative interests of the $eneficiaries; b. To pay such tax, in the case of a taxable termination, from the particular trust to which the tax relates without adjustment of the relative interests of the Beneficiaries. If such tax is imposed in part by reason of the Trust Assets, the Trustee will pay only the portion of such tax attributable to the taxable termination hereunder taking into consideration deductions, exemptions, credits, and other factors which the Trustee deems advisable; and c. To postpone final termination of any particulaz trust and to withhold any portion or all of the Trust Estate until the Trustee is satisfied that the Trustee no longer has any liability to pay any generation-skipping tax with reference to such trust or its termination. REVOCABLE LIVING TRUST AGREEMENT Page 9 Section 4.04 -Special Provision for S Corporation Stock Notwithstanding what is otherwise provided in this Trust Agreement, if at any time the Trust contains any stock of a corporation which elects or has elected treatment as an "S Corporation" as defined by Section 1361(a)(1) of the Internal Revenue Code (or any corresponding successor statute), such stock will be segregated from the other assets of such and treated as a separate trust. The Trustee will further divide the sepazate trust irito shazes for each Beneficiary and such shazes will be distributed outright or held in trust as herein provided. Tn addition, all other provisions of this Trust Agreement will apply to each share held in trust (and constituting a separate trust) except that the Trustee will distribute all of the income from each separate trust to its Beneficiary in convenient installments at least annually. It is the Settlor's intent that each separate trust will be recognized as a "Qualified Subchapter S Trust" ("QSST") under Section 1361(d)(2) of the Internal Revenue Code (or any corresponding successor statute). Notwithstanding any provisions of this Trust Agreement to the contrary, the Trustee's powers and discretions with respect to the administration of each separate trust (including methods of accounting, bookkeeping, malong distributions, and characterizing receipts and expenses) will not be exercised or exercisable except in a manner consistent with allowing each separate trust to be treated as a QSST as above described. ARTICLE FIVE Trustee Powers with a Probate Estate Section 5.01 -Coordination with Settlor's Probate Estate At any time during the continuance of this Trust, including subsequent to the death of Settlor, the Trustees may, in their sole and uncontrolled discretion, distribute to the deceased Settlot's Probate Estate cash and/or other property as a Beneficiary of the Trust. 2. All other provisions to the contrary notwithstanding, under no circumstances shall any restricted proceeds, as hereinafter defined, be either directly or indirectly: (i) distributed to or for the benefit of the Settlor's Executors or the Settlor's Probate Estate; or (ii) used to pay any other obligafions of the Settlor's Estate. The term "Restricted Proceeds" means: a. All qualified plans, individual retiremerit accounts, or similaz benefits which are received or receivable by any Trustee hereunder, and which aze paid solely to a Beneficiary other than the Executor of the Settlor's Gross Estate for Federal Estate Tax purposes; and b. All proceeds of insurance on the Settlor's life which, if paid to a Beneficiary other than the Settlor's Estate, would be exempt from inheritance or similaz death taxes under applicable state death laws. Section 5.02 -Direction to Minimize Taxes Tn the administration of the Trust hereunder, its Fiduciaries shall exercise all available tax related elections, options, and choices in such a manner as they, in their sole but reasonable judgment (where appropriate, receiving advice of tax counsel), believe will achieve the overall minimum in total combined present and reasonably anticipated future administrative expenses and taxes of all kinds. This applies not only to said Trust, but also to its Beneficiaries, to the other Trusts hereunder and their Beneficiaries, and to the Settlor's Probate Estate. Without limitation on the generality of the foregoing direction (which shall to that extent supercede the usual fiduciary duty of impartiality), such Fiduciaries shalt not be accountable to any person interested in this Trust or to Settlor's Estate for the manner in which they shall carry out this direction to minimize REVOCABLE LIVING TRUST AGREEMENT Page 10 overall taxes and expenses (including any decision they may make not to incur the expense of a detailed analysis of alternative choices). Even though their decisions in this regazd may result in increased taxes or decreased distributions to the Trust, to the Estate, or to one or more Beneficiaries, the Fiduciaries shall not be obligated for compensation readjustments or reimbursements which azise by reason of the manner in which the Fiduciaries carry out this dvecfion. Section 5.03 -Judgment and Discretion of Trustee in the absence of proof of bad faith, all questions of construction or interpretation of any trusts created by this Trust Agreement will be finally and conclusively determined solely by the Trustee, according to the Trustee's best judgment and without recourse to any court. Each determination by the Trustee is binding on the Beneficiaries and prospective Beneficiaries hereunder, both in being and unborn, as well as all other persons, firms, or corporations. The Trustee, when exercising any discretionary power relating to the distribution or accumulation of principal or income or to tbe termination of any trust, will be responsible only for lack of good faith in the exercise of such power. Each determination may be relied upon to the same extent as if it were a final and binding judicial determination. Tn the event of a conflict between the provisions of this Trust Agreement and those of the Pennsylvania Statutes, the provisions of this Agreement will control. ARTICLE SIX Resolution ojConJlict Section 6.01 -Resolution of Conflict Any controversy between the Trustee or Trustees and any other Trustee or Trustees, or between any other parties to this Trust, including Beneficiaries, involving the construction or application of any of the terms, provisions, or conditions of this Trust shall, on the written request of either or any disageeing party served on the other or others, shall be submitted to azbitration. The parties to such azbitration shall each appoint one person to heaz and determine the dispute and, if they are unable to agree, then the two persons so chosen shall select a third impartial azbitrator whose decision shall be final and conclusive upon both parties. The cost of arbitration shall be home by the losing party or in such proportion as the arbitrator(s) shall decide. Such azbitrat4on shall comply with the commercial azbitration rules of the American Arbitration Association, 140 West Slst Street, New York, NY 10200. Section 6.02 -Incontestability The beneficial provisions of this Trust Agreement aze intended to be in lieu of any other rights, claims, or interests of whatsoever nature, whether statutory or otherwise, except bona fide predeath debts, which any Beneficiary hereunder may have in Settlor's Estate or in the properties in trust hereunder. Accordingly, if any Beneficiary hereunder asserts any claim (except a legally enforceable debt), statutory election, or other right or interest against or in Settlor's Estate, or any properties of this Trust, other than pursuant to the express terms hereof,. or directly or indirectly contests, disputes, or calls into question, before any court, the validity of this Trust Agreement, then: i. Such Beneficiary shall thereby absolutely forfeit any and. all beneficial interests of whatsoever kind and nature which such Beneficiary or his or her heirs might otherwise have under this-Trust Agreement and the interests of the other Beneficiaries hereunder shall thereupon be appropriately and proportionately increased; and 2. AI] of the provisions of this Trust Agreement, to the extent that they confer any benefits, powers, or rights whatsoever upon such claiming, electing, or contesting Beneficiary, shall thereupon become absolutely void; and REVOCABLE LIVING TRUST AGREEMENT Page 11 3. Such claiming, electing, or contesting Beneftciary, if then acting as a trustee hereunder, shall autornatically cease to be a Trustee and shall thereafter be ineligible either to select, remove, or become a Trustee hereunder. Section 6.03 -Specific Omissions. Any and all persons and entities, except those persons and entities specifically named herein, have been intentionally omitted from this Trust Ageement. If any person or entity shall successfully challenge any term or condition of this Trust Ageement, then, to that person or entity shall be given the sum of one dollaz ($1.0(1) in lieu and in place of any other benefit, gant, or interest which that person or interest may have in the Trust Estate. Section 6.04 -Benefits Confidential The Settlor fitrther declaze that it is hislher desire and intent that the provisions of this Trust Ageement are to remain confidential as to all parties. The Settlor directs that only the information concerning the benefits paid to any particulaz Beneficiary shall be revealed to such individual and that no individual shall have a right to information concerning the benefits being paid to any other Beneficiary. ARTICLE SEVEN General Provisions Section 7.01- Distribution in Kind or in Cash On any division of the assets of the Trust Estate in to shares or partial shazes, and on any final or partial distribution of the assets of the Trust Estate, the Trustee, at his or her absolute discretion, may divide and distribute undivided interests of such assets on a pro rata or non-pro rata basis, or may sell any part of or all of such assets and may make divisions or distributions in cash or partly in cash and partly in kind. The decision of the Trustee, either prior to or on any division or distribution of such assets, as to what constitutes a proper division of such assets of the Trust Estate, shall be binding on all persons interested in any trust provided for in this Trust Ageement. SeMion 7.02 -Spendthrift Provision Neither the principal nor the income of the trust shall be liable for the debts of a Beneficiary. Except as otherwise expressly provided in this Ageement, no Beneficiary of any trust shall have any right, power, or authority to alienate, encumber, or hypothecate his or her interest in the principal or income of this Trust in any manner, nor shall the interests of any Beneficiary be subject to the ciaitns of his or her creditors- or liable to attachment, execution, or other process of law. The limitations herein s}iall not restrict the exercise of any power of appointment or the right to disclaim. Section 7.03 - Definition of Children The terms "Child" and "Children" as used in this Ageement mean the lawful issue of a Settlor. This definition also includes children legatiy adopted by a Settlor. REVOCABLE LIVING TRUST AGREEMENT Page 12 Section 7.04 -Handicapped Beneficiaries Any Beneficiary who is determined by a court of competent jurisdiction to be incompetent shall not have any discretionary rights of a Beneficiary with respect to this Trust, or to their shaze or portion thereof. The Trustee shall hold and maintain such incompetent Beneficiary's-shaze of the Trust estate and shall, in the Trustee's sole discretion, provide for such Beneficiary as that Trustee would provide for a minor. Notwithstanding the foregoing, any Beneficiary who is diagnosed for the purposes of governmental benefits (as hereinafter delineated) as being not competent or as being disabled, and who shall be entitled to governmental support and benefits by reason of such incompetency or disability, shalt cease to be a Beneficiary of this Trust. Likewise, they shall cease to be a Beneficiary if any shaze or portion of the principal or income of the Trust shall become subject to the claims of any governmental agency for costs or benefits, fees, or charges. The portion of the Trust Estate which, absent the provisions of this section, would have been the shaze of such incompetent or handicapped person shall be retained in bust for as long as that individual lives. The Trustee, at his or her sole discretion, shall utilize such funds for the maintenance of that individual. If such individual recovers finm his or her incompetency of disability and is no longer eligible for aid from any governmental agency, including costs or benefits, fees, or chazges, such individual shall be reinstated as a Beneficiary after 60 days from such recovery and the allocation and distribution provisions as stated herein shall apply to that portion of the Trust Estate which is held by the Trustee subject to the foregoing provisions of this section. )f said handicapped Beneficiary is no longer living and shall leave children then living, the deceased child's shaze shall pass to those children per stirpes. If there are no children, the shaze shall be allocated proportionately among the remaining Beneficiaries. ARTICLE EIGHT Successor Trustee Appointments Section 8.01-Trustees All Trustees aze to serve without bond. The following will act as Trustees of any Trusts created by this Trust Agreement, in the following order of succession: First: The undersigned, James J. Foley Second: At the death or incapacity of James J. Foley, Patricia Shaver shall serve as First Successor Trustee. Third: J. Michael Foley shall serve as Second Successor Trustee. Fourth: Joseph P. Foley shall serve as-Third Successor Trustee. Last: A Trustee chosen by the majority of Beneficiaries, with a parent or legal guardian voting for minor Beneficiaries; provided, however, that the children of any deceased Beneficiary shall collectively have only one vote. Section 8.02 -Allocation and Distn"bution of The Trost Assets The Trustees shall allocate, hold, administer, and distribute the Trust Assets as hereinafter provided: REVOCABLE LIVING TRUST AGREEMENT Page 13 1. Upon the death of the Settlor, the Trustee shall make any sepazate distributions the Trust Assets in the manner hereinafter prescribed. Section 8.03 -Personal Property Distribution Notwithstanding any provision of this Trust Agreement to the contrary, the Trustee must abide by any memorandum by the 5ettlor, particulazly that contained in the section entitled "Special Directives" incorporated into this Trust Instrument, directing the disposition of Trust Assets of every kind including, but not limited to, furniture, appliances, furnishings, pictures, china, silverware, glass, books, jewelry, wearing apparel, and all policies of fire, burglary, properly damage, and other insurance on or in connection with the use of property. Otherwise, any personal and household effects of the Settlor shall be distributed with the remaining assets of the Trust Estate. Section 8.04 -Liability of Trustee The Trustee will not be responsible or liable for any loss which may occur by reason of depreciation in value of the properties at any tirr~ belonging to the Trust Estate nor for any other loss which may occur, except that the Trustee will be liable for each Trustee's own negligence, neglect, default, or willful wrong. The Trustee will not be liable or responsible for the acts, omissions, or defaults of any agent or other person to whom duties may be properly delegated hereunder (except officers or regulaz employees of the Trustee) if such agent or person was appointed with due care. The Trustee may receive reimbursement from the Trust Estate for any liability, whether in contract or in tort, incurred in the administration of the Trust Estate in accordance with the provisions hereof, and the Trustee may contract in such form that such Trustee will be exempt from such personal liability and that such liability will be limited to the Trust Assets. Section 8.05 -Successor Trustees Any Successor Trustee shall have all the power, rights, discretion, and obligations conferred on a Trustee by this Trust Agreement. All rights, titles, and interest in the property of the Trust shall immediately vest in the successor Trustee at the time of appointment. The prior Trustee shall, without warranty, transfer to the Successor Trustee the existing Trust property. No Successor Trustee shall be under any duty to examine, verify, question, or audit the books, records, accounts, or transaction of any preceding Trustee; and no Successor Trustee shall be liable for any loss or expense from or occasioned by anything done or neglected to be done by any predecessor Trustee. A Successor Trustee shall be liable only for his or her own acts and defaults. ARTICLE NINE Rule Against Perpetuities Section 9.01 -Perpetuities Savings Claase Notwithstanding any other provision of this instrument, the Trusts created hereunder shall terminate not later than twenty-0ne (21) years after the death of the last survivor of the Settlor and any other Beneficiary or Beneficiaries named or defined in this Trust living on the date of the death of the Settlor. The Trustee shall distribute remaining Trust principal and all accrued or undistributed net income hereunder to the Beneficiary or Beneficiaries. If there is more than one Beneficiary, the distribution shall be in the proportion in which they aze Beneficiaries; if no proportion is designated, then the distribution shall be in equal shazes to such Beneficiaries. REVOCABLE LIVING TRUST AGREEMENT Page 14 ARTICLE TEN Genera! Provisions Section 10.01-Governing Law It is not intended that the laws of only one particulaz state shall necessarily govern all questions pertaining to all of the Trust hereunder. The validity of the Trust hereunder, as well as the validity of the particulaz provisions of that Ttvst, shall be governed by the laws of the state which has sufficient connection with the Trust to support such validity. 2. The meaning and effect of the terms of this Trust Agreement shall be governed by the laws of the Commonwealth of Permsylvania. 3. The administration of this Trust shall be governed by the laws of the state in which the principle office of the Trustee then having custody of the Trust's principal assets and records is located. The foregoing shall apply even though the situs of some Trust Assets or the home of the Settlor, a Trustee, or a Beneficiary may at some time or times be elsewhere. Section 10.02 -Invalidity of Any Provision If a court fmds that any provision of this Trust Agreement is void, invalid, or unenforceable, the remaining provisions of this Agreement will continue to be fully effective. Section 10.03 -Headings The use of headings in conmection with the various articles and sections of this Trust Agreement is solely for convenience and the headings aze to be given no meaning or significance whatsoever in construing the terms and provisions of this Agreement. SeMion 10.04 -Internal Revenue Code Terminology As used herein; the words "Gross Estate," "Adjusted Gross Estate," "Taxable Estate," "Unified Credit," "State Death Tax Credit," "Maximum Marital Deduction," "Marital Deduction," and any other word or words which from the context in which it or they aze used refer to the Internal Revenue Code shall be assigned the same meaning as such words have for the purposes of applying the Internal Revenue Code to a deceased Settlor's Estate. Reference to sections of the Internal Revenue Code and to the Internal Revenue Code shall refer to the Internal Revenue Code amended to the date of such Settlor's death. REVOCABLE LIVIATG TRUST AGREEMENT Page I S SPECIAL DIItECTIVE5 OF JAMES J. FALEY I, JAMES J. FALEY, a resident of the County of DAUPHIN, Commonwealth of Pennsylvania, being of lawful age, and of sound and disposing mind and memory, and not acting under duress, fraud, or undue influence, hereby make, publish and declare this to be my Special Directive, and I incorporate THE JAMES J. FALEY REVOCABLE LIVING TRUST AGREEMENT. FIRST The natural objects of my affection are: My Children - Patricia Shaver J. Michael Foley Joseph P. Foley SECOND I duect that all estate and inheritance taxes payable as a result of my death, not limited to taxes assessed on property, shall be paid out of the residue of my Estate, and shall not be deducted or collected from any League, Devisee, or Beneficiary hereunder. In the event any of my named Beneficiaries should predecease me, all of that person's share of the Trust Estate is to be divided equally among the remaining primary Beneficaries. FOURTH Tn the event all of my named Beneficiaries and their children and issue predecease me, all of the Trust Estate is to be distnbuted to my heirs at law. FIFTH I direct that all outstanding debts and/or loans owed by any Beneficiary shall be forgiven and deemed as having not existed. SLYTH I direct that, before any distribution of the assets of the Trust Estate to the named Beneficiaries, certain specific distributions, if any, shall be made from the assets as set forth on the list attached hereto and marked "Exhibit A." REVOCABLE LIVING TRUST AGREEMENT Page 16 THE JAMES J. FALEY REVOCABLE LNING TRUST AGREEMENT Declaration of Intent The undersigned hereby declares that, as Trustee of THE JAMES J. FAI,EY REVOCABLE LNING TRUST, he or she is acquiring and will hold in the name JAMES J. FALEY, but without further reference to his/her fiduciary capacity, all items listed on the attached schedule(s) hereto and incorporated herein as amended, from time to time, as well as household furnishings, automobiles, jewelry, bank accounts, securities, bonds, clothing and other personal property of any kind in his~her name and henceforth such assets shall and will belong to said Trust and not to him or her individually; and he or she further declazes that, except to the extent of interest provided to him or her under the terms and provisions of said Trust, he or she has no personal interest in any of the above itemized personal properties, it being intended and this Declazation constitutes an affirmation of Trust ownership and an assignment to this Trust and shall be binding on his/her heirs, administrators, executors and assigns. IN S WIIE F the undersigned has executed this instrument this ~v" day of ~~~ ~ dES . FAL Settlor/Trust COMMONWEALTH OF PENNSYLVANIA COUNTY OF DAUPHIN BEFORE ME, the undersigned authority, on this day personally JAMES J. FALEY, known to me to be the person whose name is subscribed to the foregoing instrument, and acknowledged to me that he or she executed the same for the purposes and consideration therein expressed and in the capacity therein stated. ~! ~~ SUBSCRIBED AND SWORN this day of/,y//,~~/ H, ~'~ Notary PuJi onwealth of Pennsylvania TODD B GARR~1', N m WhWc Twp., Buttq couNy 9,2004 DATED to be effective this -~,~"_ day `-" -'f~'^"' " ~~y SETTLOR: J. F ACCEPTED BY TRUSTEE: _ s ~ ` S . ' COMMONWEALTH OF PENNSYLVANIA COUNTY OF DAUPHIN This instrument was aclmowledged before me on the date herein set forth by JAMES J. FALEY as Settlor and Trustee to certify which witness my hand and seal of office. r ~~ ~ Notary Pu ~ > ommonwealth of Pecrosylvania NQTARIALSEAL T0~ B. CARRY, Ndety PubYc Lower Soudtempbn Twp., Buda COUIdy Lion E~ irea ~ 2004 REVOCABLE LIVING TRUST AGREEMENT Page 18 CERTIFICATE OF TRUST THE JAMES J. FALEY REVOCABLE LIVING TRUST AGREEMENT DATED __~ ~ 20'r/ The undersigned hereby certifies that I created a Revocable Living Trust. This T t ~ own as J S J. FAZE REVOCABLE LIVING TRUST AGREEMENT, dated the day of ~ '"/ JAMES J. FALEY, Grantor, Settlor and Trustee, resides at 11 S. 43 Street, Harrisburg, County of Dauphin, Commonwealth of Pennsylvania. IT IS AGREED BETWEEN THE PARTIES HERETO AS FOLLOWS: Description of Trust The party hereto desires to confirm the establishment of a Revocable Trust on this date for the benefit of the Settlor and containing herein the following provisions: TERM5 OF THE TRUST The Settlor is designated as the Trustee to serve until his death, resignation, or incompetence. 2. Upon the end of the +~+~ ^f thr n*ioinal Trustee, Patricia Shaver is designated as First Successor Trustee. 1 ,__ - :. Joseph P. Faley is designated as Thiru successor trustee. TRUSTEE POWERS 3. Any Trustee/Settlor has the power and authority to manage and control, buy, sell, and transfer the Trust property in such manner as the Trustee may deem advisable, and shall have, enjoy and exercise all powers and rights over the concerning said property and the proceeds thereof as fully and amply as though said Trustee were the absolute and qualified owner of same, including the power to grant, bargain, sell and convey, encumber and hypothecate, real and personal property, and the power to invest in corporate obligations of every kind, stocks, preferred or common, and to buy stocks, bonds and similaz investments on margin or other leveraged accounts, except to the extent that such management would cause includability of an irrevocable trust in the Estate of a Trustee. TRUST ADMINISTRATION 4. Following the death of Trustee, the Trust will continue or be distributed in whole or in part for the benefit of other named Beneficiaries according to the terms of the Trust. 5. While Settlor is living and competent, except when there shall be a Corporate Trustee, Trustee may add money to or withdraw money from any bank or savings and loan or checking account owned by the Trust. 'ATE OF TRUST Page 1 6. Unless otherwise indicated to a prospective transferee, the Trustee has full power to transfer assets held in the name of the Trust. Subsequent transferees are entitled to rely upon such transfers provided that the chain of title is not otherwise deficient. 7. The Trust Agreement also states that any bank, corporation, brokerage firm, or other entity or individual, may conclusively presume that the Trustee has full power and authority over the Trust Assets and such person or institution shall be held harmless and shall incur no liability by reason of so presuming. 8. The sites of the Trust is the COMMONWEALTH OF PENNSYLVANIA. 9. The use of this Certificate of Trust is for convenience only and the Trust solely controls as to provisions and interpretations. Any conflict between this abstract and the Trust sha13 be decided in Favor of the Trust. IN WITNESS W HEREOF, the party has hereto executed this Summary of Trust this date. SETfLORlTRUSTEE r '~ J J. F E COMMONWEALTH OF PENNSYLVANIA} COUNTY OF DAUPHIN} ss. On this, the ` day of~l~L~ ~~d ,before me, a Notary Public, personally appeared JAMES J. FALEY, personally known to me to be the person whose name is subscnbed on this instnttnent, and acknowledged that heJshe executed it for the purposes herein expressed. ;G Notary Publ ~ , onwealth of Pennsylvania WOTARIAL SEAL TODD 8, CJUiRY Ndsy Public Lower SaAharrplon Twp., Oud~sCouaq Comdstian 9.2004 CERTIFICATE OF TRUST Page 2 Affidavit On the 29'" day of June, 2007, before me, a Notary Public for the Commonwealth of Pennsylvania, personally appeared PATRICIA ANN SHAVER, who, being duly sworn according to kaw, and intending to be legally bound deposes and says that the answers and statements are true. (1) She is the First Successor Trustee under the James J. Faley Revocable Living Trust Agreement, dated August 20, 2002. (2) James J. Faley is suffering from dementia and no bnger has the capacity fo discharge his duties as Trustee under the James J. Faley Revocable Living Trust Agreement, dated August 20, 2002. (3) She is Agent pursuant to Power of Attorney for the said James J. Faley and she has effected the resignation of James J. Faley as Trustee under the James J. Faley Revocable Living Trust Agreement, dated August 20, 2002. .5~ PATRICIAANN SHAVER Sworn tg~nd subsc~bed before me thi~~,~dayof dJl,~-n[= 2007. `~S~u ~~~~~ c~ Notary Public COMMONWEALTH OF PENNSYLVANIA Notarial Seal Lori A. Ridtard. Notary Pubr~c Lemoyne Bao, CumF>ar~ Comb pRy Conernssbn E7~ires Nov. 72, 2010 Memhe4 PennsyWamF ,gssmietion of Notaries :302842 AV1VA February 19, 2009 James J. Faley Revocable Living Trust Go Patricia A. Shaver, Trustee 5008 Colorado Avenue Harrisburg, PA 17109 Re: American Investors L'rfe Insurance Company Policy Number - 415563AAI Annuitant -James Faley (Deceased) Beneficiary -the James J. Faley Revocable Living Trust Dear Ms. Shaver: Please accept our condolences on the death of James Faley. The processing of your claim on the above referenced policy has been completed and the settlement approved. Encbsed please find our check in the amount of $92,951-03. This check represents the portion of the death benefd proceeds payable to the referenced beneficiary. The total death benefd is equal to the premium(s) plus interest credited less withdrawals, bans and surrender charges (if applicable). Please see the enclosed check for tax withholding information. The total amount payable inGudes interest on the death proceeds from the date of death to the date of settlement at a rate of 3.25 percent. We are required to report the distribution of the death benefit on IRS form 1099R. Generally, for qualified annuities, the faxable amount is the entire distribwtion including contributions and earnings. For non- qual~ed annuities, only the earnings are taxable (including earnings that have been transferred to our cempany}. Policy number 415563AAI was issued as aNon-Qualified annuity. A form 1099R wiN be sent to the beneficiary by January 31~` of next year. American Investors Life and its representatives continue to welcome any opportunity to be of service. Should you have additional questions, please do not hesitate to contact our Customer Service Department at 1-888-ANNUITY. Sincerely, ~~ Jodie Shipley Claims Administration Specialist Enclosure Aviva Ufe imd Aaauiq Company 555 Soutb Kansas Avenue Topeka KS 66603-3444 Tel 800 255 2405 wwtv.avrvausamm American Y,Yeitas tik AGY1iMP Ca,pany. T[. ANea file aW A~uaNy COmpa,y A,+n the antl Amnry Cd,q.yd New Vwk Aqw UTA CupaMbn ~ ,,dFICAN INVESTORS LIFE ,,i~. Kansas Avenue ,€.t~0 Box 2039 ,+' TOPEKA, KS 66601-2039 pqy Nincry two thousand nine hundred fifty one and 03/100 Dollars TO THE JAMES I FALEY REV LIV TRUST ORDER `~ PATRICIA A SHAVER TRUSTEE OF 5008 COLORADO AVENUE HARRISBURG PA 17109 ~.:, 'GEIRii ::f'fIk'EiS.i3h'PE # 922276 02/0/2009 JPMorgan Chase Bank N.A. Columbus, OH 43271 ;s ~~~„ **592,951.03 Void Af[er 180 Days Policy Holder Benefit Account AUTHORIZED SIGNATU 11.92227611• 3:044L154433: 7 7 10 60 4 151i• DATE ACCOUNT NO. DESCRIPTION AMOUNT. 02/20/2009 40151 415563 PRINCIPAL 85,000.00 02!20/2009 40152 415563 INTEREST 12,699.21 02/20/2009 40153 415563 SURRENDER CHARGE -4,748.18 AMERICAN INVESTORS LIFE SSS S. ICas~as Avemx PO 13°3 2039 922276 **E92,953.03 701'EKA, ICS 66601-2039 ACCDUNT-NO. - ACCOUNT TYPE 950928670 _ MST PREMIUM INTEREST . ~.r: STATEMENT PERIOD ~-PA6E _ ~ NOV.22-DEC.22,2008 I 1 pp ~ ~ OD 0 06306M NM 017 ___ 16970 DAME. J FALEY REVOCABLE LIVING TRUST .5008 COLORADO AVE - HARRISBURG PA 17109 INTEREST EARNED FOR STATEMENT PERIOD 2,72 INTEREST .PAID YEAR TD DATE 41.78 BES ACCOUNT SUMMARY D S = BALANCE'- ' 07NER AUDITIONS tNECKS PATD J. --c EAST PARK 2. ~w~,~.. - nATE TRAN6ACTitoN 11-22-08 BEDI/NIN6 BALANCE 12-09-00 CNECK NUMBER 0115 12-09- CNECK NUMBER 0112 12-10- CNEC1( NUMBER 0114 12-22-OB INTEREST PAYMENT 1000UNT ACTIV !< s~:ntuei 2.73 le,ooo.00 6,000.00 36,000.00 cnuanr '01111M ~... +~wau- BALANCE: 082,56x.17 5x,568.17 40,568.17 40,570.90 _ E40,570.90 CNFCYCS PAID SUMMARY -.-: 112 12-09-06 6,000.00 114^ 12-10-06 18,000.00 ~~ 115 12-09-08 18,000.80 ANIMAL PERCENTAGE YIELD EARNED = O.p4 y`D, .~ ~~~ ~v ~ ~ ~ ~D -. l ~ ~5~ ~ ,. /GGQN4T Na-. ACCDUJIT~TYPE:> 32184808 REIATIONSNIP CNECKIIIG MITH INTEREST sTATE11EM7 PERIOD PAGE NOV,06-DEC.05,2008 1 OF 1 00 0 06106M IRI 017 48420 '-" + JAME J FALEY REVOCABLE LIVING TRUST 5008 COLORADO AYE HARRISBURG PA 11109 INTEREST EARNED FOR STATEMENT PERIOD 0.16 INiEREST~PAID YEAR TO DATE 3.58 AC_Cf1UNT SUMMARY EAST PARK ~.. BA ~OTHEk 1it~tlYIIUNS ~ ~~CNECKS MID ~:~ ~ T ONS . -:INTERN fB :: E N0. AMOIRIT N0. ANDUNT M0. AMOUNf 4,768.46 2, 6. 6 1, 6 1 ,66 .03 0.17 3,961.60 ACCOUNT ACTIVITY 7 T £ i= k? ::GH K8 R:: SUd i.Y:r: 11-06- 6EGLNING BALANCE ~ 04,700.46 11-17-06 CHECK NUM6ER 29% 472.20 4,316.26 11-19-0 CHECK NUM6ER 2997 594.00 11-19- CHECK NU!!ER 2999 131.96 11-19-0 CHECK NUMBER 3000 50.D0 3,540.30 12-01-0 US TREASURY 303 RR REi 1,662.03 12-01- BENEFIT PAYMENTS PENSIONS 456.13 5,656.46 12-03- REVERSE DIRECT pEP03IT 1,662.03 3,496.43 12-05-06 INTEREST PAYMENT 0.17 12-05- CHECK NUMBER 3001 35.00 3,961.60 i ENDING BALANCE 13,961.60 2997 11-19-06 -594.00 29% 11-17-08 472.20 2999 11-19-00 131.96 3000 11-19-06 50.00 3001 12-05-08 35.00 ANNUAL PERCENTAGE YIELD EARNED 0.04 ~: °'_ a~.a ? i~,'s .~, :cam..... .. ._ s oex, - ~ a eh ~. ~` s:t h Vii'""~,' .• . „- - . i.wen (amj . - zi y 4,..n tx... t?^rz ~i.-a?aT' .,.•s. `;} s~- a