Loading...
HomeMy WebLinkAbout09-08-09PA Cte~ttmect# 4# Reverxte ~ (Q8•Q3} OFFiCiAL USE ONLY t3ureoa of individual Ta~aes co~r+coa. gear trarounvticr too Box.2sosof ft~fif=Rf~`ANCE SAX f~ETUFti+l Harrisburg, PA (7928-06Qf RE~I~ENT ~ECEf~EWT ~ 1 ~ ~ 4 {) 5 ~ {3 ENTER Ot=GEt)EN~' iNi=t)!tlNA'~ftDN ~1©V11 Soctai S~x~n1~+ Number t)ate of Death t?ate of 9rrlir 1'112B5337 Q{U72t?09 I2111930 i~cedent's iast Na'aii~Z St-~u[ t~Geder~t's Eirsf Name ~{ MI~I~E~t I+lARY ~, fi1fi A~llitetbte) Eater Susv#vtng Sg~tlse"s tn~xmnaiion Blow Spcrcrscs's ~as# h#arne Suiftx Spaase's i-icst N~i~~ Nli SEwuse's ~ciai Searriiy t+itrmi~r TKiS RETURi~ Ni[tST $~ Ft[..EC3 (~ QI~PL~CATE WfTH THE ~2~GiS~'~~ t3F 1~VILLS t=iLL itV APPft(3Pf#lATE ~~At_S t3Etfl~ ~ t. 4)rigi~r~i tt6tttr¢i Q' 2. 5ctpp~xticr~tat iteicus~ } ~ 3. i~maindei ii~eiucn ~dat+3 of iie~li'~ 1I pnrn t~ 12-~s-82) Q d_ Cimitad Esdaic da. ~Febare En(~:resC Ccitzyi:Q:ttiia ! ~ (aae a~at, at~.r 12-f~-a2! ~ S- tederai E,stat~e Tax Rcabum €ubquired 6 {IftFsd~ ~,af+y at~Wgt1 ~ ~_ tA~ctc~ ) l.dwt~ Ttu11 ~ 8_ Tobi NumEter' of Sete i3~e~osit Eicnags [] S: t+iigatiwi PrgCaefls Re+Oeirted ^ 10,x. a 12 3S- t.~ ` ~ 3f,A) #~.~tection to twt under 5e~. 9t'! (Attach Sah. U) ?C~Dt~SPp7@DE111T • 7NlS S>±C7IL)?i AAU3T BE COM~~T~D. Ate ~iRRESi~tANDE~+tC~ ANiy Ci7iri~iDrrNTlAt. ?A1t INF01iiNA'170N S}tp(Jl,U CTEO TO: r me t3aytii~i~e Tai 1e Numbe ,.~_.~. ~ S ~i E ~ I~ Y +~7 . K U t+~ t[ E I~ 717 2 3 I _.r ' _.:`.-- firm Name ~ff ApAtltabla7 ~ ~ ~~ REGt5'CE USE dNi_~f, ° '~ WION, ZULU & SEIBERT ~ ~~ ;"trek iMa of address ~ 2Q9 Irt?CUST ST~tEEfi £~ ' ,.,tM~ ~ ~;~ S~cattd tttte af,~ddress ~ ~ ~,~ ~" ~r .. t Sty or Past aflice DATE t`it_ED ~ ZiP trade AARRS SBURG ~,~ 1 ? ~. p ~ Correspattderit"s a-nta[[ ~ddross; S~ k tt R k e ~ . itStZS ~ m i rt tt ty p CI tt g , C Ct t3't under ~ren8!lies of perjwy, ! dedere Drat ! t examined M!S return. inc aocaa~~e~,inp schedules and sEatemerdc, and to the best at Nay 1a~ and beteef, it ~i ttue. ca4ceet and rompt3La, tleetaraCeon etprepaccr otficu iF~asti tEta pecsa~3s represes ve is based on ail iniorrnaUney of wiiroh P«Aa-cr has a~yr kntir~ietlge_ S)G2~1LT1l3~ ~~SLt:+I PL]N518L~DRFl~IN JtrTT)R.`~l ..___ nooR~ss Sebastian _~_D a~., ,5ait Lake City, tJT S4yt1~ CME,~t art+f_ct Ttitu+t REPR~9E#~ATMC itt9 Locust S#reeE, HarNsnurg, P'a '~T7t~9 /,d Q (/~j~ i~A1E L SItIE ~ 1505607120 'l5fl5607120 J J 1505607220 REV-1500 EX Decedent's Social Security Number Decedents tvame: MILLER , MARY L. 1712 8 5 3 3 7 RECAPITULATION 1. Real Estate (Schedule A) ........................................................................................ .. 1. 1 0 7, 0 0 0 0 0 2. Stocks and Bonds (Schedule B) .............................................................................. . 2. 1, 0 2 9 1 2 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C).......... 3. 4. Mortgages & Notes Receivable (Schedule D) ......................................................... . 4. 5• Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E) ................ 5. 9 8 6 . 6 7 6. Jointly Owned Property (Schedule F) ^ Separate Billing Requested ............. 6. 7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (Schedule G) ^ Separate Billing Requested ............. 7. 7 5 , 3 4 3.16 8. Total Gross Assets (total Lines 1-7) ...................................................................... . g. 1 8 4, 3 5 8 9 5 9. Funeral Expenses & Administrative Costs (Schedule H) ......................................... 9. 21 , 7 8 6 . 8 8 10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I) ................................ 10. 2 9 5 2 3 11. Total Deductions (total Lines 9& 10) ..................................................................... .11 • 2 2, 0 8 2 1 1 12• Net Value of Estate (Line 8 minus Line 11) ............................................................ .12. 1 6 2 , 2 7 6 . 8 4 13. Charitable and Governmental Bequests/Sec 9113 Trusts for which an election to tax has not been made (Schedule J) ................................................. 13. 14. Net Value Subject to Tax (Line 12 minus Line 13) ................................................. 14. 1 6 2 , 2 7 6 . 8 4 TAX COMPUTATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 (a)(1.2) X .00 15. 16. Amount of Line 14 taxable at lineal rate X .045 16 2, 2 7 6. 8 4 16. 7, 3 0 2 4 6 17. Amount of Line 14 taxable at sibling rate X .12 17. 18. Amount of Line 14 taxable at collateral rate X .15 18. 19. Tax Due ................................................................................................................... 19. 7, 3 0 2 4 6 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT, a Side 2 L 1505607220 1505607220 REV-1500 EX Page 3 File Number 21 - 0 9 - 0 0 5 6 0 Decedent's Complete Address: N A Miller, Mary L. REET ADDRESS 123 Brian Drive --_ _ ___ - _ _ - --- _ __-----__ - --- --------------- CITY - -------- ~--- _ _ _ _ - --___ ~TATE ~ ZIP Enola PA 17025 Tax Payments and Credits: 1. Tax Due (Page 1 Line 19) 2. Credits/Payments A. Spousal Poverty Credit B. Prior Payments C. Discount 7,200.00 365.12 Total Credits (A + B + C) 3. Interest/Penalty if applicable p. Interest E. Penalty Total Interest/Penalty (D + E) 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. Check box on Page 2 Line 20 to request a refund 5, If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. A. Enter the interest on the tax due. B. Enter the total of Line 5 + 5A. This is the BALANCE DUE. Make Check Payable to: REGISTER OF WILLS, AGENT (1) 7,302.46 (2) 7,565.12 (3) 0.00 (4) 262.66 (5) (5A) (56) 0 . ~ 0 -_ _ PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: Yes No a. retain the use or income of the property transferred :.................................................................................[. j fix] - _- ,-_ b. retain the right to designate who shall use the property transferred or its income :....................................~ ~ Lx_I --; ~-- c. retain a reversionary interest; or ............................................................................................................... __ ~ x ~ d. receive the romise for life of either a ments, benefits or care....... i P ~ P Y .......................................................t . ,' '~xJ 2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without receiving adequate consideration? ........................................................................................... ;---, .........................L.__~ XJ 3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death?......... x [. -~' ~ -. 4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which contains a beneficiary designation? ...................................................................................................................{.x_i ' __i IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETUR For dates of death on or after July 1, 1994 and before January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is three (3) percent [72 P.S. §9116 (a) (1.1) (i)J. For dates of death on or after January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is zero (0) percent [72 P.S. §9116 (a) (1.1) (ii)]. The statute does not exempt a transfer to a surviving spouse from tax, and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1, 2000: The tax rate imposed on the net value of transfers from a deceased child twenty-one years of age or younger at death to or for the use of a natural parent, an adoptive parent, or a stepparent of the child is zero (0) percent [72 P.S. §9116 (a) (1.2)]. The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is four and one-half (4.5) percent, except as noted in 72 P.S. §9116 1.2) [72 P.S. §9116 (a) (1)]. The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is twelve (12) percent [72 P.S. §9116 (a) (1.3)]. A sibling is defined under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. SCHEDULE A COMMONWEALTH OF PENNSYLVANIA ' REAL ESTATE INHERITANCE TAX RETURN RESIDENT DECEDENT ~I FILE NUMBER ESTATE OF Miller, Mary L. 21 - 09 - 00560 All real property owned sole)y or as a tenant in common must be reported at fair market valueFair market value is defined as the price at which property would be exchanged between a willing buyer and a willing seller, neither bein compelled to buy or sell, both having reasonable knowledge of the relevant facts.Real property which is jointly-owned with right o~ survivorship must be disclosed on schedule F. _ ITEM DESCRIPTION VALUE AT DATE OF NUMBER DEATH 1 Condominium Unit within Westwood Village Condominiums known and numbered as 125 Brian 107,000.00 Drive, Enola, PA 17025; Transferred to decedent by HNC Mortgage and Realty Investors, a Massachusetts business trust, by deed dated October 1, 1977 and recorded November 30, 1977 in the Office of the Recorder of Deeds of Cumberland County at Deed Book "N," Volume 27, Page 892. Vaulation per sale price. See HUD-1 settlement sheet attached hereto as Exhibit A. TOTAL (Also enter on Line 1, Recapitulation) 107,000.00 i SCHEDULE B COMMONWEALTH OF PENNSYLVANIA ; STOCKS & BONDS INHERITANCE TAX RETURN RESIDENT DECEDENT l_-- - - - -- __ FILE NUMBER ESTATE OF Miller, Mary L. ~ 21 - 09 - 00560 All property jointly-owned with right of survivorship must be disclosed on Schedule F. ITEM VALUE AT DATE OF NUMBER DESCRIPTION UNIT VALUE ~ DEATH 1 +- _ _ - - --- - - ---- ---- -- --- - ------- ------- 32 Shares of Met Life, Inc. (MET) common stock; Valuation calculated as 32.16 ~ 1,029.12 ~I average of high/low trading prices from Friday 6/5/09 ($32.05/share) and Monday 6/8/09 ($32.27/share) because death occurred over a weekend. I TOTAL (Also enter on line 2, Recapitula ,. COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF Miller, Mary L. '~~ SCHEDULE E CASH, BANK DEPOSITS, & MISC. PERSONAL PROPERTY FILE NUMBER 21 - 09 - 00560 Include the proceeds of litigation and the date the proceeds were received by the estatet111 property jointly-owned with the right of survivorship must be disclosed on schedule F. ITEM DESCRIPTION VALUE AT DATE OF NUMBER DEATH 1 BELCO Community Credit Union ~~n a~ 2 3 4 5 449 Eisenhower Boulevard Harrisburg, PA 17111 Individual Savings Account # 613930 Valuation at date of death per BELCO correspondence attached hereto as Exhibit E. BELCO Community Credit Union 449 Eisenhower Boulevard Harrisburg, PA 17111 Individual Savings Account # 613930 Accrued interest through date of death. County/Township real estate tax pro-ration per line 407 of HUD-1 settlement sheet attached ~I hereto as Exhibit A School real estate tax pro-ration per line 408 of HUD-1 settlement sheet attached hereto as Exhibit A Pro-rated credit for 3rd quarter prepaid sewer bill per line 409 of HUD-1 settlement sheet attached hereto as Exhibit A 1.34 98.57 620.39 45.41 TOTAL (Also enter on Line 5, Recapitulation) 986.67 i ~ ~ ~+ ~+ u C ('~ COMMONWEALTH OF PENNSYLVANIA SCHEDULE `r INHERITANCE TAX RETURN INTER-VIVOS TRANSFERS & RESIDENT DECEDENT ~ MISC. NON-PROBATE PROPERTY __- - ---- ---- - - -------L-------- __ ------ - __ - --____ ESTATE OF Miller, Mary L. FILE NUMBER 21 - 09 - 00560 This schedule must be completed and filed if the answer to any of questions 1 through 4 on page 2 is yes. --- -- -- - ITEM DESCRIPTION OF PROPERTY ~ DATE OF DEATH °~0 OF EXCLUSION Include the name of the transferee, their relationship to decedent DECD'S TAXABLE VALUE NUMBER I~ and the date of transfer. Attach a copy of the deed for real estate. VALUE OF ASSET ! INTEREST (IF APPLICABLE) 1 - - _ ___-- ---- -- -- _ ------- -- _ ~_ __ -_---_ 1 Sovereign Bank ~ 1,303.57 100% I ~ 1,303.57 P.O. Box 841005 '~ Boston, MA 02284 '~ Savings Account # 0924302748 ~ ~ II Transferee: Burial Trust Account f/b/o Sullivan Funeral Home ~~ 51 N. Enola Drive ~, Enola, PA 17025 I, ~, See Sovereign Bank correspondence attached hereto as Exhibit G. j ~' Accrued interest of .30 included. 2 'Sovereign Bank P.O. Box 841005 ~,, Boston, MA 02284 Checking Account # 0921716338 Valuation at date of death per Sovereign Bank correspondence attached hereto as Exhibit G. ~, Accrued interest of .06 included. Transferee: Teresa Sebastian, daughter of decedent Date of Transfer: 9/16/2008 3 I Lincoln Financial Group !~ P.O. Box 2340 !; Fort Wayne, I N 46801-2340 Pinnacle Health System 403 (b) Retirement Plan Transferees: Equally to Teresa A. Sebastian, Steven J. Sebastian, and Paul M. Sebastian, decedent's children Valuation at date of death. See June 30, 2009 Lincoln Financial Group i retirement account statement attached hereto as Exhibit G. 8,008.77 69,030.82 100% 3,000.00 5,008.77 i 69,030.82 I ~ ~I _ _ _ I ~ __ _. TOTAL (Also enter on line 7, Recapitulation) ~', 75,343.16 CHEDULE H FUNERAL & COMMONWEALTH OF PENNSYLVANIA ~ INHERITANCE TAX RETURN I Ar'~/~~~~C7'~/~TI~ /C /V'\@'fC RESIDENT DECEDENT ~1v~~u N ~ ~ Y1 ~ ~ Y G V~~7 ~ ~7 ESTATE OF Miller, Mary L. Debts of decedent must be reported on Schedule I. _-ITEM i DESCRIPTION NUMBERiFUNERALEXPENSES: A. 1 ~ Sullivan Funeral Home -Funeral Expenses 2 ~ Funeral Flowers i 3 ' Funeral Luncheon and Reception 4 I~ Photos and enlargements for Funeral Display 5 !Sullivan Funeral Home -Additional death certificates B. ADMINISTRATIVE COSTS: 1. Personal Representative's Commissions Teresa Sebastian FILE NUMBER 21 - 09 - 00560 AMOUNT 4,401.43 150.00 450.00 32.00 60.00 5,530.00 Social Security Number(s) / EIN Number of Personal Representative(s): Street Address 1340 S. 500 E. II City Salt Lake City State UT Zip 84105 Year(s) Commission paid 2009 2. Attorney's Fees Wlon Zulli & Seibert 3, I Family Exemption: (If decedent's address is not the same as claimant's, attach explanation) Claimant Street Address ' City State Zip Relationship of Claimant to Decedent 4. Probate Fees Cumberland County Register of Wills 5. Accountant's Fees i 6. 'I Tax Return Preparer's Fees 7. Other Administrative Costs 1 ~ The Patriot News -Estate Advertisement TOTAL (Also enter on line 9, Recapitulation) 1,000.00 252.00 181.00 21,786.88 Scheduvete H COMMONWEALTH OF PENNSYLVANIA i Fune~ INHERITANCE TAX RETURN ~ ~~~ ~A{7 ~~~~ RESIDENT DECEDENT - --- ___ _ - - L---- ESTATE OF Miller, Mary L. 2 'The Carlisle Sentinel -Estate Advertisement FILE NUMBER 21 - 09 - 00560 3 '~, The Cumberland Law Journal -Estate Advertisement 4 ', Sovereign Bank -Fee for providing date of death balances i 5 Teresa Sebastian -Reimbursement for airfare and gasoline costs for Executrix to '~ attend funeral and probate estate via BWI Airport 6 !Teresa Sebastian -Gasoline, and travel expenses for Executrix to collect estate property from Albuquerque, NM (Executor met family member to collect personal !, property rather than traveling to PA again) 7 'UPS -Shipping costs for paperwork and personal effects to be shipped from decedent's residence to Executrix 8 ', Copies and Faxes -Fees to fax settlement materials to Prudential Thompson Wood Real Estate offices, tax and banking related materials Wion Zulli & Seibert, and short i certificates, settlement sheets, and loan information to Lakeside Abstract in preparation for real estate settlement 9 Certified Mail fee to send executed Executor's Deed to realtor for closing 10 ~I Real Estate Commission per line 702 of HUD-1 settlement sheet for sale of 125 Brian j Drive, Enola, PA See HUD-1 attached hereto as Exhibit A 11 Prudential Thompson Wood Real Estate -Transaction Fee per line 704 of HUD-1, attached hereto as Exhibit A 12 I~ Westwood Villa e Condominium Associa i - g ton Resale certificate per line 1116 of HUD-1 attached hereto as Exhibit A 13 1 % Real Estate Transfer Taxes per line 1202 of HUD-1 attached hereto as Exhibit A 14 Debbi Lupold - 2009-2010 School real estate taxes for 125 Brian Drive per line 1303 of HUD-1 attached hereto as Exhibit A ~, 145.00 75.00 20.00 408.00 300.00 92.00 113.00 3.00 6,420.00 200.00 100.00 1,070.00 675.95 Page 2 of Schedule H ,. ~' Sd~edule H COMMONWEALTH OF PENNSYLVANIA ~ A Fuel ~ """'' INHERITANCE TAX RETURN /~1~n~r^~C7Y~ ~AI~ RESIDENT DECEDENT -L ----- --- ___-i-__-_. ____-___-- FILE NUMBER ESTATE OF Miller, Mary L. 21 - 09 - 00560 - - _ __ _ _ -._ -- -- -- --- -- _- --------- - ------1-- ---_--- --__ --- 15 I Debbi Lupold -Tax Certification for real estate settlement per line 1304 of HUD-1 ~ 10.00 attached hereto as Exhibit A 16 i; East Pennsboro Township - 3rd Quarter water/refuse bill per line 1305 of HUD-1 ~ 68.50 attached hereto as Exhibit A ~ 17 Cumberland County Register of Wills -Filing Fee for PA 1500 inheritance tax return I, 15.00 18 'Cumberland County Register of Wills -Filing Fee for Inventory ! 15.00 i Page 3 of Schedule H ,. COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF Miller, Mary L. SCHEDULE ~'~, DEBTS OF DECEDENT, MORTGAGE LIABILITIES, & LIENS Include unreimbursed medical expenses. __ _ ___ ITEM - _ _ - __ -- NUMBER DESCRIPTION __ 1 PP&L -Final electric utility bill for 125 Brian Drive 2 Pennsylvania American Water -Final utility bill for 125 Brian Drive FILE NUMBER 21 - 09 - 00560 AMOUNT 181.24 113.99 TOTAL (Also enter on Line 10, Recapitulation) 295.23 REV-1513 EX+ (9-00) '~ SCHEDULE J COM NCHERITANCEDTAX RETURNANIA ! BENEFICIARIES R v7 RESIDENT DECEDENT __ __ i_-- .. _- -- _ . _ - -- _------ -~ ESTATE OF Miller, Mary L. - - - --- FILE NUMBER __ __ _ - ____--------_- ------- ~ 21 - 09 - 00560 i --- ---- NUMBER ' NAME AND ADDRESS OF PERSON(S) ---- -------- ---- RELATIONSHIP TO DECEDENT - ------___-- -- SHARE OF ESTATE (Words) _ _. AMOUNT OF ESTATE ($$$) 1 RECEIVING PROPERTY Do Not List Trustee(s) I .TAXABLE DISTRIBUTIONS[include outright spousal _-. ~ distributions, and transfers under Sec. 9116 (a) (1.2)] 1 I, Teresa Sebastian Daughter 1/3 Residuary Estate 1340 S. 500 E. plus Joint Checking Salt Lake City, UT 84105 Account 2 i Steven J. Sebastian ~ Son ~'~ 1 /3 Residuary Estate 755 Lanza Drive Mechanicsburg, PA 17050 ~' 3 Paul M. Sebastian ~ II Son i 1/3 Residuary Estatel 22 Hellam Drive ~ 'I ' ' Mechanicsburg, PA 17055 i, ;Enter dollar amounts for distributions shown above on lines 15 through 18, as appropriate, on Rev 1500 cover sheet I 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 II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHE T 0.00 07/13/2009 09:05 15083051300 HR LAST ~AI,L ~~D ~5~~~ ~~ ~' L..1V~ILL]E~ a a a H ~~ PAG 1, M,~X L. MILLED of the Towinship of East Pcnnsboro, County of Cumberland, Commonwealth of Pennsylvania, decl.arc 1:1115 to be my ,Last Will axed xcvolce any will or codicil ~ p?'eVi.ously made by me. TT`E_M 1,:_ Upon my demise, J direct a funeral .1.V1ass of the Christian Burial be eciebrated andrx~y body be laid to .rest in the Mausoleum in Tri-County Memorial Gardens, Lewisbcny, Pennsylvania. ITEM 2: I direct that all my funeral cxpEnses be paid as soon as practical aflex my death. ITE 3: I di,xECt that all taxes and interest and per-ai.tics thereon that may be assessed i,n consequence of nay death, of whatever nature and by whatever jurisdiction imposed, shall be paid from my residuary estate as a part of the expense of the administration of my Estate. ITEM 4: i ~ivc, devise and bPqu~ath 3~.1, of my jewelry to my daug1lt~r, TEr~ESA .1~.. SBBASTI~IN. T'.I'ENI 5: I give, devise and bequeath ail the rest, residue and xEmainder of my estate of every nature and wheresoever sih~ate, together with insurance thereon, rn ¢qual. shares, to my children, as /follows: A, One tlvrd (1/3) to my dau~;htcr, 'f.ERES~ A. SEBAS~'JAN of 1340 S. 500 F, Salt Lake City, Utah X4105, per sti~I~es; Page I of G 07/13/2009 09:05 15083051300 HR PAG B. One third (1/3) to my son, STBVEN J. SEHAS'~~AN of 755 Aan,za Drive, Mechanicsburg, Pennsylvania 17050. Should my son, Steven J, Sebastian predecease rr~e, ~ direct his share be distributed in equal shares to zx~y then remaining living children, per stirpes; and C. On.e third (t/3) to my son, PAUL 1V1. SEBASTIAN of 22 I3ellarr~ >)t,7ve, Mechanicsburg, Pcnnsy).vania 17055, per slirpes. IT_ Should any be»,of,ciary entitled to a share of my estate not have attained the age a w a H_ ~'' ~ ~I of twenty-five (25) years at t1~c time of distribution to him or 1~ex, I devise and bequeath the st~.are of such beneficiary to roy daughter, 'Z'$~SA A, SEBASTIAN, as Trustee (I appoint son, STEVEN J. SEBAS~'i,4i\T, as alternate ~'r, ustoc), to be held in separate trusts, to hold, manage, invest and reinvest the share so received, in Accumulation o;f, ineo~n~e thereon, and to use and apply the income and principal, or so much tbcxeo;f as, ir. '1'rustec discretion, may be necessary or, appropriate fox such beneficiary's maintenance, support, and education (including college education, both graduate ar.d undergraduate) without regard to his or her. parents' ability to provide for such maintenat~ee, support ox education, or to make payzn.cnt ~'ox I:.l~ese purposes, without further responsibility, to such beneficiary's paxer~tc or to any person taking care of such benef eiary_ A.ny principal or income not so applied shall be distributed to such beneficiary absolutely when he or she attains the age of twenty-;eve (25) years. Zf hE or she dies before attaining the age twenty-five (25), the ~'xust shall terminate and such sharE shall be distributed to his or her personal representative. Should the principal o:f any truck herein pxovi.ded 1'or Ue or become too small in the trustee's discretion so as to make establishment or continuance of the trust inadvisab]e, the trustee or tx~y personal representative ma~~, without court approval, make immediate distribution of the then-remaining principai and any accumulated or undistributed income outright to the person or perso~is and in the proportions they are th.e» exlti#iecl to income, Upon such tcrnaination, the rights of all persons who might otherwise have an interest as succeeding income benc~ciary or in .remainder shall cease. Page 2 of '1 0?/13/2009 09:05 15083051300 HR PAGE 06 I, ~M 7_ My Executrix, trustee or theix successors shall have the following powers in addition to those gi.vcn by .law to be exercised by them in their absolute discretion, which power, s slaal], be applicable to all property held by them, effective without the order of any court and until the lctual distribution of all such pxoperty: a, To retain any investments at discretion including stock of any corporate fiiduciary hereunder or of a holding company contr, o1ling it; b. To invest ar.~d reinvest in, the executrix's or trustee's discretion as permitted under Act 28 of 1999, as aanended, the "Prudent Investor Act," with the speci,i;ae x'aght to i?avcst in stocks, bonds and real estate, including non-income producing residential real estate for the occupancy of any present income beneficiary or beneficiaries, and in such dive~rsif ed, proprietary money market and mutual funds, including `ueh mutual funds of any corporate fiduciary hereunder or those of any successor or affiliated corporation or, a holdizag connpany c~n.h'o],li»g it, as my executt7ix and trustee deem appropriate; c. '~'o sell, to grant optiox~.s for the sale of, or otherwise convey. t ax~y real, or pcrsonaa pxopcrty a a z w ,~ M or interest therein, at public or private sale, for such prices, at such time, in such manner and upon such tcr..ms a`s th.ey may t>aink proper, and to execute and deliver good and sufficient conveyances, assignments and transfers thcrevf without liability of any puXChascr to see to the application of the purchase xn,oney; d, 'fo borrow money and to scc~txe the rcpaymcaat tlaexeo.f by mortgage ,of xcP1 or perso*_aF1 propei~y, pledge of investments or otherwise, without liability on t]ae paxt of the lenders to see to the application thereof; e_ To eotxtpromise claims by or against my estate or any trust created hereunder; .f. To allocate and distribute different kinds or disproporti,otaatc shares of: property or undi~rided interESt~~ in pxopczty among beneficiaries or trusts, in cash or in kind, or paxtly in eac11; g. To rcgiste3r in~cstmcnts i.n the name vf, a nominee or to bold 11iE same unrEgistercd in such form that they will pass by delivery; Pa~c 3 of 7 07/13/2009 09:05 investments; to deposit securities under agreement; to subscribe fiox stock and bond privileges; and HR PAG h. To join in any recapitali~at~ion, merger, reorganization or voting trust plan afl'ectir-,g generally to exercise all rights of security holders; i. To manage, operate, repair, alter or improve real estate or other property, and to lease real estate and other property upon such terms and for such period as my executrix and trustee dcena advisable even for. more than ~rre (S) years and beyond the duration of. any trust; j. To deduct administration expenses upon either the federal estate tax return or, ~dueia~ey income tax return with or without adjustment as between principal and income, as my corporate or disinterested executrix shall d.eteiznine; k. To associate with them in the absence of a corporate fiduciary, an accountant, custodiar„t a • a a ~" a. a and investment advisor, anal otllc;r agents and to conapcnsatc them from principal or income or both, as my executrix ox hllstee shall determine, such compensation to be a reduction of the compensation oi' my executrix or trustee; 15083051300 1. '1'o associate with them at any time, in their absolute discretion and of their choice, a corporrate fiduciary which shall have the same powers as my executrix or trustee, such designation by my executrix or trustee and acceptance by a corporate fiduciary ~to be in writing; rn.. ~'o combine, without prior court approval, any trust herein with ax~y other trust with substantially similar provisions, although such other mast may have been cr. catcd by separate i,~~,st-rvzncnts and by different persons, and, if necessary to protect different future interests, to value tl,,e assets at t]Ze tune of such combination. and to record the proportionate interest of each separate trust inn the co~,nbined fund; provided h.owevcr, that no such combination shall be permitted if the effect of such cot~~bi.nation would be (1) to violate the applicable rule against perpetLtiities; (2) to disqualify arty interest in on.e or more of such trusts for a deduction for federal estate tax purposes which would othe~r,~;ise be allowable; or page 4 of 7 07/13/2009 09:05 15083051300 HR PAGE 08 (3) to cau.sc the loss of the Exempt status of ono or rnorE of such trusts from the imposition of the gcnerati on-skipping tax; n. To exercise any stock options which they may receive; to borrow such funds :from any source as :my executrix or trustee may deem necessary for the exercise of such options; and to pledge assets as my executrix ox trustee deems appropriate for this purpose; o. No trustee shall be required to qualify before, be appointed by, or, in the absence of a breach of trust, account to any court (and failure to account alone shall not be considered such a bxoael~); nor shall trustee be required to obtain the order or approval of any coLUt in the exercise of any power or decision granted hereunder; p. To allocate axy gcnexation,skipping transfer tax exemption from the federal gcncrafiion- a w a a H ~' ~a x shipping transfer tax to any property to vvlaicb I axn deemed the transferor under the ps'ovisions of Section 2652(a) of the Ir~tcx»al Revenue Codc of 1986 and it`s successors, including any property transfcrrcd under, my will aild a~~y property not in my probate estate axed axy property transferred by m-c durin.g lire ac to which no allocation was made prior to mry death, to the extent necessary to cause the in.c.lusi.on. ratios appl.icabl,c to such transfers to be zero; q. To disclaim any interest in property without court approval; and. r.. To do all other acts and things necessary or appropriate in the management, administration and distribution of my estate or tn~st. i M S: In the event any legatee or devisee named it this will dies under such ciurcu~nstanees that there is not sufficient evidence to determine absolutely whether such legatee or devisee survived ine, I direct such legatee or devisee shall be presumed to have prcdccca.~cd me and dcvi.sc and bequeath the gift in favor of that legatee or devisee to such persons and an such manner and in such proportions 1s set forth in this w-ill for distribution i~'the legatee or devisee predecEased mc. ~ Page 5 of 7 07/13/2009 09:05 15083051300 HR PAG ~'~~~ 9: Until distributed, no gift or beneficial interest stall, be subject to anticipation or vol.ux~taxy ox involuntary alienation. ITEM 10: I appoint my daughter, TERESA A. SEBASTIAN, as Executrix o.f, this zX-.y .Last Will. In the event my daughter, TERESA A. SEB1.~S'1,~AN pxedeceascs mc, fa.ils to qualify or ceases to act• as Executor, Y appoint my son, STEVEN J. SEBAS'fTAN, my al.tcrnatc Executrix of this my Last Will. ~T'EIVX ~~: x direct that my personal representatives, trustee or their succcsso~-s, shall not be required to give bond far the faithful performan.ec of their duties in any jurisdiction. T..N Wl'~'NESS `1JbJEREOF, 1 have hereunto set my hand and seal to this, nay Last. Wi.l.l and I Tcstam,cnt, this ~~ day of dc. ~~~v , 2008, ~,..~ ~° ~rn.~.C~C~ MARY .MILLER Signed, sealed, published and declared by the above-named Testatxix as and. for hex Last~Will and '~'estaxncrt i.r~ oux presence, who, at her request, in her presence alid in the presence of each other, have hereunto subscribed our names as attesting witnesses. ...~ i+ ~ , r ' ' ~ - !~'~-~/ residing at 3 ~ `"'' ~' ,~"tdl ,~ ,a ~~ .~ ~r ~ l ~~- ~ residing at ~ ~~ti. "/jI ~ Page ~ o>F 7 07/13/2009 09:05 15023051300 HR PAG COMMOIVWEA.T,T~I OF PENNSYLVEI,NI,A~. ) ss_ COUNTY OF C:UMJ3ERLAND ) N°~ , We, MARY L. MILLER, ;` ' ~,n.c., 1 `J, ~~ li~C..Ff ~. and r ~~ 0 ~,,.~ j't' • ~ ,the Testatrix and the witnesses respectively, whose names are signed to the attached o~r foregoing instrument, being first duly sworn, doh.cxeby dee)are to the undcxsigned authority that the ~'esL'atrix signed and executed the instxux-~cnt as her .Last Will and that she had signed willingly, and that she executed it a.s her free and voluntary act for the purpose therein expressed, and that cash of the witnesses, in the presence and hoaxing of the Testatrix signed the will as witness and that to the best of his or her lmowledge, t'he ~'estatrix was at the time eighteen (18) years or odder, of sound mind and undcx no constraint or undue influence. 11~ ~.. HEELER ,, fd- Witness 7 ~, ~_ ~z Witness Subscribed, sworn and aclrnowledgcd bc~'ore m,c ~ ~ S t~- /~/~ ~ ~' ~i., ,y~, b MARY ~,. Y MILLER, the 'I'Estatxix, and subscribed and sworn to before me by ~--wv~.A_ lu~ ~~N~.a•,r and G.I, the witnesses, this ~ -- day of~Q~ , 2008. ._ ~ Notary ublic (SFA.~. [QIIAMOIIFW~A~TN Qf oENNSYtVAN1A NOTAA~A~ S~A~ Lise Merio Cvyne, Nolory Pubic Hampden Township, [umberland County My Con+mi~fion Eapina ~w~~ 10. Z01Z Page7of~ onnB fvo_ ss02-o2es A. B. TYPE .,F LOAN: DEPARTMENT OF HOUSING b URBAN DEVELOPMENT U S 1.QFHA 2.[]FmHA 3. ~X CONV. UNINS. 4. QVA 5. ~CONV. INS. . . SETTLEMENT STATEMENT 6. FILE NUMBER: 2oo9os441,PFD 7. LOAN NUMBER: 09oso7417 8. MORTGAGE INS CASE NUMBER: C. NOTE: This form is furnished to give you a stat@nxint Of actual settlement cx~sts Amounts paid to and by the settlement agent ara shown. Items marked 7POCJ' rverb paid outside the dosing; they arB ShON7} hen4 fOr Informational pllr~OS@s and a!8 ROt 1RdUd@d IR tt1@ tOt81S 1.0 318E (20090E1~7.pId200E064~1.PF022 D. NAME AND ADDRESS OF BORROWER: SyMia A Powky 31 Humer Street Enola, PA 17025 E. NAME AND ADDRESS OF SELLER: Mary L. Miller Estate 125 Bnan Drive Encla, PA 17425 TIN: 30.6207839 F. NAME AND ADDRESS OF LENDER: Bank of Ann Arbor, ISAOA 515 E. Eleven Mite Road Madison Heights, MI 48071 G. PROPERTY LOCATION: 125 Brian Drive Enola, PA 17025 H. SETTLEMENT AGENT: 24-1747090 Lakeside Abstract 8 Settlements, LLC 1. SETTLEMENT DATE: Jul 31 2009 Cumberland County, Pennsylvania 09-12-2992-001A U5125-3 PLACE OF SETTLEMENT 101 Front Street, PO Box 428 Boiling Springs, PA 17007 y , J. SUMMARY OF BORROWER'S TRANSACTION K. SUMMARY OF SELLER'S TRANSACTION 104. GROSS AMOUNT DUE FROM BORROWER: 400. GROSS AMOUNT DUE TO SELLER: 101. Contract Sales Price 107 000.00 401.' Contract Sales Price 107 000,00 102. Personal Pro 402. Personal Pro 103• Settlement Cha to Borrower Line 1400 5 957.38 403, 104. 404. 105. Ad'ustments For /lams Paid B Seller in advance 405. Ad'ustments For Items Paid 8 Seller in advance 108. Ci !town Ta:oes to 406. Ci !Town Taxes to 107• Coun Taxes 07/31/09 to 01/01!14 98.57 407. Coun Taxes 07131!09 to 01/01/10 98.57 108. School Taxes 07/31/09 to 07!01/10 620.39 408. Schoo! Taxes 07/31/09 to 07/01/10 620.39 109. Credit for Sewer Pd 3rd Qtr 45.41 409. Credit for Sewer Pd 3rd Qtr 45.41 110. , 410. 1.11. 411. 112. 412. 120. GROSS AMOUNT DUE FROM BORROWER 113,721.75 420. GROSS AMOUNT OUE TO SELLER 107,784,37 200. AMOUNTS PAID• BY OR IN BEHALF OF BORROWER: 500. REDUCTIONS tN AMOUNT DUE TO SELLER: 201, osit or earnest mon 202. Princi al Amount of New Loans 5 OOOAO 80,000.00 501. Exoesa De it See Instructions 502. Settlement Cha es to Seller Line 1400 16,$39.45 203. Existi loan s taken sub'ect to 503. Facistin loan s taken su 'sct to 2~• 504, Payoff of first Mortgage 205. 505. off of second a e 206. 506. 207• 507. De it disb. as roceeds 208. 508. 209. 509. Ad'ustments For Items UR id 8 Seller Ad'usfinents For Items Un aid B Seller 210. Ci /Toown Taxes to 510. Ci !Town Taxes to 211. Coun Taxes to 511. Coun Taxes to 212. School Taxes to 512. School Taxes to 213. 513. 214. 514. 215• 515. 218. 518. 217 • 517. 218. 518. 219• 519. 220. TOTAL PAID BY/FOR BORROWER 65,000.00 520. TOTAL REDUCTION AMOUNT DUE SELLER 16,839.45 200. CASH AT SETTLEMENT FROMRO BORROWER: 600. CASH AT SETTLEMENT TOlFROM SELLER: 301. Gross Amount Due From Borrower Line 120 113,721.75 801. Gross Amount Due To Seller Line 420 107,764.37 302. Less Amount Paid /For Borrower Line 220 ( 85,000,00 802. Less Reductions Due Seiler Line 520 ( 16,839.45 303. CASH (X FROM) ( TO) BORROWER 46,721.75 803. CASH (X TO) ( FROM) SELLER 90,924,92 The undersigned hereby acknowledge receipt of a completed copy of pages 18.2 of this statement & any attachments refe~d to herein. Borrower ~ Seller Mary i E e Syl a owley /~ U BY: ~~~~n~~ r l~~ L. SETTLEMENT CHARGES 700. TOTAL COMMISSION Bassd on Prico S % 8 420.00 PAID FROM P~uo FROM DiviSiOn oI Commission ine 700 as OIIOwS: BORROWER'S SELLERS 701. S 35.00 to Prudential Thompson Wood FUNDS AT FUNDS AT 702. 3,185.00 ro entral enn eel Estate sET1lEMENr setT~En1:Nr 703. Commission Paid at SetOement 6,420.00 704. Transaction Fee to entral enn Real Estate 175.00 800. ITEMS PAYABLE IN CONNECTION WITH LOAN 601. Loan Ori ination Fee 3,0000 % to Cod Financial Mort a e Services Inc 1 800.00 802. Loan Discount % to 803. Appraisal Fee to Solidifi 379.25 604. Credit e rt to redit Plus 50.00 0 rocessin Fee to Cody Financial Mo a Services, Inc 160. 0 06. Underwritln Fee to Bank of Ann Arbor ISAOA 650.00 807. ment Pre ee to The Pa Trail 135,00 808. 809. 810. 811. 800. ITEMMS REQUIRED BY LENDER TO BE PAID IN ADVANCE 901. Interest From 07!31109 to 08/01/09 Q. S 8.630100/da ( 1 days %) 6.63 902. a Insurance remiumfor months to 903. Hazard Insurance Premium for 1.0 ears to Accord Insurance POC 5238,00 904. 905. 1000. RESERVES DEPOSITED WITH LENDER 1001. Hazard Insurance months S r month 1002. Mort a e Insurance months S r month 1003. Ci /Town Taxes months S r month 1004. Coun Taxes 8.000 months $ 19.47 r month 155.76 1005. School Taxes 3.000 months (~ S 56.33 per month 168.99 1006• months r month 1007• nwnths r month 1008. A ate Ad'ustment months $ r month -173.13 1100. TITLE CHARGES 1101. Settlement or Closin Fee to 1102. Abstract or Title Search to 1103. Title Examination to 1104. Title Insurance Binder to 1105. PA Inheritance Tax to R ister of Wills 7 200 00 1106. Note Fees to Jeanette Pennin ton 25,00 1107. Attome s Fees to Wion Zulli 8 Seibert 1,095.00 includes above item numbers: 1108. Title Insurance to Lakeside Abstract b Settlements L C Re-issue 804.38 includes above item numbers: 1109. Lender's Coverage S 60,000.00 1110. Owner's Coverage 1 7, .00 804.38 1111. ALA ndoreements to Lakeside Abstract S ettlements, LL 100, 300, 8.1, CONDO 200.00 111. osin Protection Letter to First American Title Insurance Company 35.00 1113, Electronic Document Retrieval to Lakeside Abstract 8 Settlements, LLC 20,00 1114. Wire Fee to Lakeside Abstract 8 Settlements, LLC 15.00 1115. smight Delivery to akeside Abstract & Settlements, LL 14 50 1116. esale ert to Westwood Yllage Condominium Assoc. . 100,00 1117. Au ust Common Expense to Westwood Village Condominium Assoc. 102.00 1118. ransaction ee to Prudential Thompson Wood 200.00 1200. GOVERNMENT RECORDING AND TRANSFER CHARGES 1201. Reoordin Fees: Deed $ 38.50; Mortg e $ 72.50; Releases $ 111,00 1202. Ci /Coun Tax/Stam s: 1 070.00 Mort a e 1 070.00 1203. State Tax/Stam s: Deed 1,070.00: Mo a e 1,070.00 1204. Parcel Identification Check to Cumberland Coun R rder of eds 20,00 1205. 1300. ADDITIONAL SETTLEMENT CHARGES 1301. Surve to 1302. Pest Ins tion to 1303. 2009!10 School Tax to Debbie Lu Id 675.95 1304. Tax Cert to Debbie Lu Id 10.00 1305. Water/Refuse tv East Pennsboro Township 3rd qtr wtr aug/sept trash 31.00 68.50 1400. TOTAL SETTLEMENT CHARGES Enter on Lines 10~, Section J and 602 Section K 5,957.38 16,839.45 Abstrct 3 Settlem ts, LL Setttement Agent Certified to be a true copy. (200806141,PFDl200908~11.PF0l23} AUG-27-09 THU 0132 PM BELCO CU FAX N0, 717 720 6296 BELCO COMMUNITY CREDIT UNION DECEDENT ESTATE INFORMATION 1. Name(s) in which fire account was held: MARY L P, 02 2. Account number: 613930 3. L'tal~nce as of date of death: $220.96 Balance Regular Savings: $ 8220,96 Christmas Club: $ Whatever Club: $ Checking: $ ` Money Market: $ IRA $ Accrued Dividends YTD Dividends For $ $1.34 $ $7.44 $ ~ $ ~ $ $ $ ~ $ $ C~:rtifics~tes: Balance Accrued Dividends For YTD Dividends Certificate Number $ $ $ $ $ $ $ $ $ ~~ $ ~ $ $ 4, Date the account wa, initiated; 6/21/2008 ~• Name(s) fn which Sate Deposit Box was held; NONE 6, Data the box was initially ranted: 7. E~ranch address at wl~ich the box is (orated: 8. Loan Information: Balance Accrued Interest Per Diem Int Unsecured Loans: L14 Line of Credit R. Secured Loans; C. Mortgag© Loans: $ $ $ $ $ $ Miscellaneous: T S 1 SAVINGS ACCOUNT CLOSED ON 7/3/09 CFIECK #00402413 ISSUED FOR $395.08 Sovereign Bank ESTATE OF Mary L. Miller SOCIAL SECURITY #: 171-28-5337 DATE OF DEATH: June 7, 2009 Account #: 0921716338 Type: Checking Open date: 8/2/1999 In the name of: Mary L Miller or Teresa A Sebastian Date of Death Balance: $8,008.71 Int.(YTD) from 1/1/2009 to 5/14/2009 $0.87 Accrued interest to date of death: $0.06 Other Info: Teresa A Sebastian was added onto account on 09/16/08. Account #: 0924302748 Type: Savings Open date: 9/30/2008 In the name of: Sullivan Funeral Home TRUSTEE Mary L Miller BENEF Date of Death Balance: $1,303.27 Int.(YTD) from 1 /1 /2009 to Accrued interest to date of death: 4/21 /2009 $0.30 $2.82 Other Info: Account closed on 06/11/09. Account #: 4527109030 Type: Loan Open date: 1 /3/2006 In the name of: Mary L Miller Date of Death Balance: Account closed prior to death Other Info: Account closed on 12/18/08. Page 1 of 1 2009-07-28 11:48 Wells Fargo Bank ~Li~ ~~ ~~ PO Boot 2340 port Wayne, tn14G901 2340 Financial Group® AT 01 206741 59275H733 A""'3DGT ~~~~r~ll1lr~lr'til.I~i~^l~I~'~~llll~rl~+ril~rl~rl~t~l~~~ll^~ri^11 MARY L MILLER 125 BRIAN DRIVE ENOLA PA 1702x7565 801-236-3267 » 717+236+6100 P 2/2 Pinnacle Nea(th System Retirement Plan I~ud 7-zo-89 Your Retirement Account OM01/2009 - 06130/2009 Account Information Name: Miner Mary L Account Numiber: 97-5612073 Plan Type: 403(b) Tax beferred Eiive [)ate : 01/29/1992 Information for You! Effective April 1, 2009, your paycheck shows lower income tax withholding, but you will still owe taxes on your full income by April 15, 2010. Your retirement plan may be able to help you address this issue. Call your advisor to discuss. Contact Information Customer Sorvice: Our customer service representatives are available from 8 to 8 EST at 1-800-4Lincoln (1-80a~4-6265) Online Service; For your updated account values and to make address than ges, go to www_UncolnFinancial.com 2osra~ ,rs .Account Summary, .~.. , ~ . ~, ~,..,.., ~:,,~. ~ •~.,,,,. . .`.Total: ~-ccou~t:;1%alu~~:`as~~ofk:©610%2009 :.~~ Curret1t Period Beginning Balance (as of 04/01/2009) $70 x13.31 Contributions ~ ' $0.00 Investment Earnings $602.60 Withdrawals -$1.785.09 Ending Balance (as of 06!30/2009) Sfi9,030.82 Total contributions to date $66,914.73 Total withdrawals to date (excluding sales charges ~ annual fees) $53.972.39 Taxes withheld on withdrawals this period $178.51 Quoted Performance data represents past perform~ce. Past perfonriance doAS not guarantee nor data f~re peAlxmance. Curr~arit perfpmrano® may be bwer or higher than the ~ •.•• • • , ~„ wv~ na u ro n wviuy~ pew OT ~/OIN d000Ur1t. The Cal(`,uletiq~ Inc~udes acCniigr m Y~ a~nR (Such as awriributions. withdrawals, •tc.). Bec~us0 the of your o~ntriDutJons and withdrawals vvdl vary, y~ p ~Ve~ment results win generagy not be tha same as the returns quoted. _~ ~~ ~~~ a,~.~ A~ i~ So . uv 2t~3N