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HomeMy WebLinkAbout03-17-10r~ '-"~ REV-1500 EX (06-05) PA Department of Revenue Bureau of Individual Taxes PO BOX 280601 Harrtsburg, PA 17128-0601 15056051058 INHERITANCE TAX RETURN RESIDENT DECEDENT OFFICIAL USE ONLY County Code Year File Number 20 09 ,00599 THIS RETURN MUST BE FILED IN DUPLICATE WITH THE _- -,, - _ _ -_ ___'' REGISTER OF WILLS Spouse's Social Security Number FILL IN APPROPRIATE OVALS BELOW {.~." 1. Original Return ~ 2. Supplemental Retum > 3. Remainder Return (date of death prior to 12-13-82) a 4. Limited Estate C.:. 4a. Future Interest Compromise (date of B 5. Federal Estate Tax Return Required death after 12-12-82) Cis 6. Decedent Died Testate O 7. Decedent Maintained a Living Trust 1 8. Total Number of Safe Deposit Boxes (Attach Copy of Will) (Attach Copy of Trust) 9. Litigation Proceeds Received .'3 10. Spousal Poverty Credit (date of death 11. Election to tax under Sec. 9113(A) between 12-31-91 and 1-1-95) (Attach Sch. O) CORRESPONDENT - THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION Name SHOULD BE DIRECTED TO: -- ,,,- Daytime Telephone Number Stuart S. Sacks _... (717) 234 24Qq~ ^~ Firm Name (IfApphcable) _ .._a_.. ~_.... _e. _ __ _. _.. ~~ ~_ _ _` ., REGISTER lO~ LS USE D$t Y ` Smigel, Anderson &Sacks j . . ry- - j ~ ~~n ~- ~-, , ,, .... First line of address __. __. _ ~~ ~ - ~ - ~~~ ~~~ r- .~' rr~ .,,,, ~-'- ~- ~7 4431 North Front Street ~ ' ~~ E-~, ,' _ __ _ _._. Second line of address ... ....._ __,.. ..- _ ~__. ~ ~' ~...~ -,7 sue. .~ r- -~ ~- ~ --~- ~ _ Thir d Floor _. ~ __ _ ~ -'' City or Post Office State ZIP Code _ DATE FILED 170 _.. Harrisburg PA 17110 _ __ Correspondent's a-mail address: sacks@saSIIp.COm Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is e, correct and complete. Declaration of preparer other than the personal representative is based on all information of which preparer has any knowledge. SI TURE OF PERSON R SP NSIBLE FOR FILING RETURN ~.w~ /~ ~ ~ DATE o«~ ow//~r rfccrr~rc i htrc I AN KtPRESENTATIVE D TE , AD S */(/~ ~1 ~~~/v USE ORIGINAL FORM 15056051058 Side 1 15056051058 ~, J 15056052059 REV-1500 EX Decedent's Name: Nancy W BUbel Decedent's Social Security Number 040-26-5143 RECAPITULATION 1. Real estate (Schedule A) . ............................................ 1. 2. Stocks and Bonds (Schedule B) ....................................... 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. 6. Jointly Owned Property (Schedule F) C" Separate Billing Requested ....... 6. 7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (Schedule G) C Separate Billing Requested........ 7. 8. Total Gross Assets (total Lines 1-7) .................................... 8. 9. Funeral Expenses 8 Administrative Costs (Schedule H) ..................... 9. 10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I) ................ 10. 11. Total Deductions (total Lines 9 & 10) ................................... 11. 12. Net Value of Estate (Line 8 minus Line 11) .............................. 12. 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. 198,167.95 '. 2,013,479.01 TAX COMPUTATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 _....... - __... _ _ __. _, 16. ....mti rz. ...w m. v._.... Amount of Line 14 taxable .~ ..._ ..:.~~ ~.a~ . ,~. ..... a ~ m n ~. -_ at lineal rate X .0 45 2,013,479.01 ' 16. 90,606.56 17. .~ ~.uu........~~, w.m. Amount of Line 14 taxable _W. ~vmm~ro~ at sibling rate X .12 17. 18. .._ ......~m,....,. , Amount of Line 14 taxable b..~ ~ ~...... ~.... ....... . at collateral rate X .15 1 g, j 19. TAX DUE ....................................................... ..19. '', 90,606.56 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT 15056052059 Side 2 15056052059 REV-1500 EX Page 3 Decedent's Complete Address: File Number ~ 20 0~. rv~ .............. .^~ 9'00599 ~___ -~___.w..__ ,. DE.....w~ M........ , DECEDENTS NAME CEDENTS SOCIAL SECURITY NUMBER Nancy W Bubel 040-26-5143 STREET ADDRESS 3514 Margo Road CITY Camp Hill STATE PA ZIP 17011 Tax Payments and Credits: 1. Tax Due (Page 2 Line 19) (1) 90,606.56 2. Credits/Payments A. Spousal Poverty Credit B. Prior Payments 88,000.00 C. Discount 4,631.44 Total Credits (A + B + C) (2) 92,631.44 3. InteresUPenalty if applicable D. Interest E. Penalty Total InteresUPenalty (D + E) (3) 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. Fill in oval on Page 2, Line 20 to request a refund. (4) 2 024.88 5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (5) A. Enter the interest on the tax due. (5A) B. Enter the total of Line 5 + 5A. This is the BALANCE DUE. (5g) Make Check Payable to: REGISTER OF WILLS, AGENT PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: Yes No a. retain the use or income of the property transferred :......................................................................................... . ^ b. retain the right to designate who shall use the property transferred or its income : ........................................... . ^ c. retain a reversionary interest; or ......................................................................................................................... . ^ d. receive the promise for life of either payments, benefits or care? ..................................................................... . ^ 2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without receiving adequate consideration? ............................................................................................................. . ^ 3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death? ............. . © ^ 4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which contains a beneficiary designation? ........................................................................................................................ ^rc ^ IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN For dates of death on or after July 1, 1994 and before January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is three (3) percent [72 P.S. §9116 (a) (1.1) (i)]. 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)]. Asibling is defined, under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. REV-1502 EX+ (6-98) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF Nancy Bubel All SCNED~ILE A REAL ESTATE FILE NUMBER 2009-00599 property owned solely or as a tenant in common must be reported at fair market value. Fair market value is defined as the price at which property would be exchanged between a willing buyer and a willing seller, neither being compelled to n~~~ ~~ you ti,.+ti ~.,,,,..,. _______~,_ . - -~--- ~-..__° ,~~~• a~~~~~~~~a~ anaew ui uie same srze) REV-1508 EX+ (6-95) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE E CASH, BANK DEPOSITS, & MISC. PERSONAL PROPERTY is ~A I t ur FILE NUMBER Nancy Bubel 2009-00599 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly-owned with right of survivorship must be disclosed on Schedule F. ITEM NUMBER DESCRIPTION VALUE AT DATE OF DEATH 1. Personalty sold at Auction by Haar's, Inc. on 10/2/09 1,209.20 2. Members 1st Federal Credit Union Savings Account #264012-00 5.96 3. Metro Bank Checking Account #513089862 799.35 4. Integrity Bank Checking Account #0201018415 260.05 5. Integrity Bank Money Market Account #0201034415 w/accrued interest of $164 82 . 117,023.35 6. Sovereign Bank Checking Account #0571135382 10,818.83 7. Royalty payment from Storey Publishing for period 1-1-09 to 6-30-09 7,322.26 8. Royalty payment from Rodale Book Royalties for period 1-1-09 to 6-30-09 3,532.59 9. Janus Individual Non-Retirement Account #38/202317449 8,532.37 10. Discover Bank CD Account #303-531766-5 51,935.17 TOTAL (Also enter on line 5, Recapitulation) = 201,439.13 (If more space is needed, insert additional sheets of the same size) REV-1510 EX+ (6-98) SCHEDULE G COMMONWEALTH OF PENNSYLVANIA INTER-VIVOS TRANSFERS & INHERITANCE TAX RETURN MISC. NON-PROBATE PROPERTY RESIDENT DECEDENT ESTAT Nanc E OF y Bubel FILE N 2009 UMBER This schedule must be completed and filed if the answer to any of questions 1 through 4 on the reverse side of the REV-1500 C OVER SHEET i -00599 s yes. ITEM DESCRIPTION OF PROPERTY NUMBS INCLUDE THE NAME OF THE TRANSFEREE, THEIR RELATIONSHIP TO DECEDENTAND THE DATE OF TRANSFER. ATTACH A COPY OF THE DEED FDR REAL ESTATE. DATE OF DEATH % OF DECD'S VALUE OF ASSET EXCLUSION TAXABLE ~ ~ T. Rowe Price Traditional IRA Brokerage Acct #300108109-Gregory Mark INTEREST (IFAPPLICABLE) VALUE Bubel & Nancy Grace Boerio, Beneficiaries 98,250.51 100 98 250 51 O , . 2. T. Rowe Price Transfer on Death Brokerage Acct #30A237285-Gregory Mark Bubel & Nancy Grace Boerio, Beneficiaries 1,064,297.05 100 1 064 297 05 D , , . 3. Janus Inherited Individual Beneficiary Acct #43/306072846 (reg as a Profit Sharing Plan)-Gregory Mark Bubel & Nancy Grace Boerio © Beneficiarie 136,992.96 100 136 992 96 , s , . 4. Sovereign Bank CD ITF Mary Grace Boerio BENEF & Gregory Bubel BENEF #2335545238 w/interest to d/d 100,623.34 ' 100 100 623 34 D , . 5. Members 1st Federal Credit Union #264012-46 wrnterest to d/d-Gre gory Mark Bubel & Mary Grace Boerio, Beneficiaries 126,522.06 ' 100 126 522 06 , . 6. Capital One Money Market Account POD #3285076050-Gregory Mark Bubel & Mary Grace Boerio, Beneficiaries 4,986.45 100 4 986 45 O ; , . 7. Capital One Online Savings Account POD #8305529525-Gregory Mark Bubel & Mary Grace Boerio, Beneficiaries 102,457.56 100 102 457 56 , . 8. Gifts to Gregory Mark Bubel on 6/12/09 & 6/16/09 13,000.00 100 3,000.00 10,000.00 9. Gifts to Mary Grace Boerio on 3/27109, 6/1/09 & 6/12/09 15,000.00 100 3,000.00 12,000.00 10. Gift to Letitia Sandrock on 6/12/09 & 6/16/09 13,000.00 100 3,000.00 10,000.00 TOTAL (Also enter on line 7 Recapitulation) S 1,666,129.93 (If more space is needed, insert additional sheets of the same size) REV-1511 EX+ (12-99) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCNEDt~LE H FUNERAL EXPENSES 8~ ADMINISTRATIVE COSTS E5TATE OF FILE NUMBER Nancy Bubel 2009-00599 Debts of decedent must be reported on Schedule I. ITEM NUMBER DESCRIPTION A. FUNERAL EXPENSES: AMOUNT 1 ~ Neill Funeral Home 4,112.72 2. Funeral Chaplain, Church, Musicians, & Custodial Burial gratuity 380.00 3. Memorial Service Guestbook 27.82 a. Funeral Service Thank You Cards 20.33 5. Funeral Service Luncheon 1,153.08 s. Music for Funeral 250.00 B. ADMINISTRATIVE COSTS: 1. Personal Representative's Commissions Name of Personal Representative(s) Social Security Number(s)/EIN Number of Personal Representative(s) Street Address City State Zip Year(s) Commission Paid: 2. Attorney Fees 25,000.00 3. 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 1,230.00 5. Accountant's Fees 6. Tax Return Preparer's Fees 2,000.00 ~. The Patriot News -Legal Advertisement 352.29 $~ Cumberland Law Journal -Legal Advertisement 75.00 9. Purchase of paper and photocopy fee for funeral b kl t d oo e s an photos 331.39 10. Mark's Paving (driveway sealing) 200.00 11. Lawn mowing at house 115.00 12. Mileage and tolls incurred by Co-Executor, Gregory Mark Bubel to and from NJ to PA , 1,104.90 TOTAL (Also enter on line 9, Recapitulation) $ 36,352.53 If ( more space is needed, insert additional sheets of the same size) SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS (CONTINUED) Estate of Nancy Bubel File No: 2009-00599 13. Meals/food expense incurred by Co-Executor, Gregory Mark Bubel, when travelling to and from New Jersey to Camp Hill $ 323.99 14. Mileage, lodging and tolls incurred by Co-Executor, Mary Grace Boerio when travelling to and from Pittsburgh to Camp Hill $1,776.04 15. Meals/food expense incurred by Co-Executor, Mary Grace Boerio, when travelling and from Pittsburgh to Camp Hill $ 740.00 16. Gift to neighbor for taking care of property, plants, house, etc. $ 100.00 17. Landscaping of house in preparation of sale $1,415.00 18. Professional cleaning of house in preparation of sale $ 550.00 19. Hauling garbage from house in preparation of sale $ 825.00 20. Verizon -Telephone bill $ 57.04 21. State Farm -Homeowners Insurance $ 139.06 22. PAWC -Water $ 131.13 23. Direct TV -Television $ 44.76 24. UGI -Gas $ 144.53 25. PP&L -Electric $ 390.53 26. Sovereign Bank -Fee to obtain date of death information $ 20.00 27. Michael Langan, Tax Collector - 2009 School Taxes $1,921.15 28. Hampden Township - Sewer/Refuse charges TOTAL: 138.65 $8,716.88 REV-1512 EX+ (t2-03) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE 1 DEBTS OF DECEDENT, MORTGAGE LIABILITIES, & LIENS ESTATE OF FILE NUMBER Nancy Bubel 2009-00599 Report debts incurred by the decedent prior to death which remained unpaid as of the date of death, including unreimbursed medical expenses. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH ~~ Wire transfer fee to wire funds to pay expenses of Estate (incurred by Gregory Mark Bubel) 15.00 2. Urology of Central PA -Medical bill 10.00 3. Members 1st Federal Credit Union VISA 4,665.14 4. Barclays Bank DE - US Airways Credit Card 740.26 5. MSHMC Physician's Group -Medical bill 10.00 '' 6. Smigel, Anderson & Sacks -Estate planning invoice 880.00 7. PA Dept. of Revenue - 2006 Personal Income Tax 868.19 TOTAL (Also enter on line 10, Recapitulation) $ 7,188.59 (If more space is needed, insert additional sheets of the same size) ' REV-15t 3 EX+ (9-00) SCHEDULE J COMMONWEALTH OF PENNSYLVANIA BENEFICIARIES INHERITANCE TAX RETURN RESIDENT DECEDENT Nancy Bubel FILE NUMBER 2009-00599 NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY RELATIONSHIP TO DECEDENT AMOUNT OR SHARE I TAXABLE DISTRIBUTIONS [indude outright spousal distributions, and transfers under D0 Not List Trustee(s) OF ESTATE Sec. 9116 (a) (1.2)] ~ • Gregory Mark Bubel, 9 Hancock Lane, Middletown, NJ 07748 Son 50% 2• Mary Grace Boerio, 100 Laurel Avenue, Pittsburgh, PA 15202 Daughter o 50 % ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18, AS APPROPRIATE, ON REV-1500 COVER SHEET II NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT BEING MADE B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET $ (If more space is needed, insert additional sheets of the same size) LAST WILL AND TESTAMENT i- ,~., ~ ~__ - - Nancy Bubel ~~~'^ ~~ `* ,. I, Nancy Bubel, of Camp Hill, Pennsylvania, revoke all wills and coc~rf re i l ~ ` ~' p v ous y made by me, and declare this to be my last Will. In the administration of~y -~'' t es ate it is my wish that those responsible for managing my estate and resolvin g problems be guided by the principles of harmony, simplicity, and common sense. ARTICLE 1. FAMILY Identification of Spouse 1.01. I am married to Michael Bubel ,referred to in this Will as "my Spouse." Identification of Children 1.02. I have two children who are now living whose names are Gregory Mark Bubel and Mary Grace Boerio. I have no deceased children. All references in this Will to "my Children" include not only the above-named children but also , any child hereafter born to or adopted by me. ARTICLE 2. BEQUESTS AND DEVISES Personal Effects 2.01. All of my personal effects, jewelry, clothing, household furniture and furnishings, books, personal automobiles, boats, and other such tangible personal property owned by me at the time of my death, together with any insurance policies on the property, I give to my beloved Spouse if my spouse survives me. If my spouse does not survive me, I give the property to my beloved children who survive me, to be divided among them in any manner to which they agree. If my Spouse does not survive me and none of my beloved children survive me, this bequest shall fail, and the property shall pass as part of the residue of my estate. ARTICLE 3. RESIDUE--PRIOR DEATH OF SPOUSE Disposition in Trust 3.01. If my Spouse does not survive me, then all of the rest of the assets that I may own at the time of my death (including any property over which I may have a power of -1- ., ~~;~lw appointment, I give to the Trustee named in this Will, to be held as part of the Residuary Trust as provided in Articles 4 through 7 of this Will. ARTICLE 4. RESIDUE--SURVIVAL OF SPOUSE Disposition of Residue 4.01. If my Spouse survives me, all the rest of the assets that I may own at the time of my death (including any property over which I may have a power of appointment) shall be divided between my Spouse and the trust described below and referred to in this Will as the "Residuary Trust." Marital Bequest to Spouse 4.02. I give outright to my Spouse assets from my estate equal in value to an amount which, when added to the final estate tax values of all other property interests includable in my gross estate for federal estate tax purposes which pass or have passed to my Spouse under other provisions of this Will or otherwise and qualify for the marital deduction, will entitle my estate to the minimum federal estate tax marital deduction necessary to reduce my taxable estate to an amount on which no federal estate tax is due and the federal unified credit available to my estate is fully utilized. Selection and Valuation of Assets 4.03. The marital bequest amount shall be satisfied in cash or in kind, or partly in each, with assets selected by my Executor from those that are includable in my gross estate and that qualify for the marital deduction for federal estate tax purposes. The assets so allocated in kind shall be considered to satisfy the marital bequest amount on the basis of their value at the date or dates of distribution to my spouse. Assets Excluded 4.04. My Executor is directed not to allocate to my spouse any assets with respect to which the federal foreign death tax credit is available to my estate or any shares of stock that would otherwise qualify for redemption under Section 303 of the Internal Revenue Code. Conformity With Internal Revenue Code 4.05. It is my intent that the marital bequest shall qualify for the marital deduction for federal estate tax purposes, and that the provisions of this Will relating to the marital deduction shall comply with Section 2056 of the Internal Revenue Code .The provisions of this Will shall be construed to conform to my intent and, to the extent that any provision cannot be so construed, it shall be deemed void. Neither my Executor nor the Trustee shall take any action or have -2- ~~' ~"1 ~, t.~f ,~ 1 `J f ~ any power that will impair the marital deduction, and all provisions of this Will regarding the marital bequest shall be interpreted to conform to that objective. The terms "gross estate," "marital deduction," and "interests in property which pass or have passed," as used in this Will, shall have the same meanings as they have under Section 2056 of the Internal Revenue Code . Election of Valuation 4.06. No provision of this Will shall be construed so as to limit the discretion of the person required to file a federal estate tax return on behalf of my estate to make, where allowable, an election for federal estate tax purposes to value my estate as of the date of my death, or pursuant to the alternate valuation method provided for by the Internal Revenue Code, or any other valuation provision of the Internal Revenue Code, provided that the valuation method or the use of the valuation provision is allowable in determining the marital deduction for federal estate tax purposes. Simultaneous Death 4.07. If my Spouse and I should die simultaneously, or under such circumstances as to render it difficult or impossible to determine who predeceased the other, my Spouse shall be conclusively presumed to have predeceased me for the purposes of the marital deduction. Residuary Trust 4.08. The balance of the assets of my estate I give to the Trustee named in this Will, to be held as the "Residuary Trust." Administration 4.09. The Residuary Trust shall be held, administered, and distributed by the Trustee in accordance with the provisions of Articles 5 through 7 of this Will. ARTICLE 5. RESIDUARY TRUST: PAYMENT AND DISTRIBUTION Payment of Income and Principal to Spouse 5.01. The Trustee shall pay to or apply for the benefit of my Spouse during my Spouse's lifetime all of the net income of the Residuary Trust in monthly or in other convenient installments, but in no event less often than annually. If at any time, in the discretion of the Trustee, my Spouse should be in need of additional funds for my Spouse's proper maintenance and support, then the Trustee, in addition to the income payments provided, shall in the Trustee's discretion pay to or apply for the benefit of my Spouse such amounts from the principal of the -3- i1 '' ' ~r ~ 1•~ .,i ~.~'. v Residuary Trust, up to the whole of the principal, as the Trustee from time to time shall deem advisable. Division of Trust Estate 5.02. On the death of my Spouse or on my death if my Spouse predeceases me, the Trustee shall divide the corpus of the Residuary Trust into as many equal shares as there are children of mine then living and children of mine then deceased but leaving issue then surviving. One equal share shall be given to each of my children who may then be living. One equal share shall be set aside for the benefit of the estate of each of my deceased children who leave issue surviving, and shall constitute the corpus of the trust for each issue. Each share shall constitute and be held, administered, and distributed by the Trustee as a separate trust. Trusts for Issue 5.03. The Trustee shall apply and distribute the net income and principal of each of the shares of the corpus of the trust set aside for the benefit of the issue of a deceased child of mine as follows: (1) Until each issue reaches the age of twenty-one years, the Trustee shall pay to or apply for the benefit of each issue, in monthly or other convenient installments, so much of the net income from his or her share of the trust estate, up to the whole, as the Trustee in the Trustee's discretion deems advisable for the issue's proper care, support, maintenance, and education. The Trustee shall accumulate and add to the principal of each issue's share of the corpus of the trust the balance, if any, of the net income. (2) When each issue reaches the age of twenty-one years, the Trustee shall thereafter.pay to or apply for the benefit of each issue all of the net income from his or her share of the corpus of the trust until the issue attains the age of 27, payable monthly or in other convenient installments but in no event less often than annually. (3) If at any time in the discretion of the Trustee any issue should be in need of funds for his or her proper care, support, maintenance, and education, the Trustee shall in the Trustee's discretion, in addition to the payments provided, pay to or apply for the benefit of such issue such amounts from the principal of his or her share of the corpus of the trust up to the whole, as the Trustee may from time to time deem advisable. (4) When each issue reaches the age of 21 years, then each issue shall have the right to withdraw 1/4 of the then balance of the principal of his or her share of the corpus of the trust. When each issue reaches the age of 25 years, each issue shall have the right to withdraw 112 of the then balance of the principal of his or her share of the corpus of the trust. When each issue reaches the age of 33 years, each issue shall -4- f-. =~ -- a have the right to withdraw all of the balance of his or her share of the corpus of the trust. (5) If any issue for whom a share of the corpus of the trust has been set aside should die prior to attaining the age of 27 years, then on the death of such issue the Trustee shall distribute all of the balance of such deceased issue's share to my child living at that time, or if none of my children are living at that time, then to my issue living at that time . (6) If my children and their issue should all die prior to final distribution of the corpus of the trust, all of the trust corpus not disposed of as provided in this Will shall be distributed to the following person and charities, in equal shares: (a) Oaxaca Street Children, Grassroots, Inc., of 449 Crane Ave. South, Taunton, MA 02780; (b) Food Harvest for Oaxaca Street Children, of P.O. Box 16, Decatur, TX 76234; (c) ECHO, of 17430 Durrance Rd., N. Fort Myers, FL 33917-2239; (d) Domestic Violence Services of Cumberland and Perry Counties, of P.O. Box 1039, Carlisle, PA 17013-6039; (e) New Hope Ministries, of 15 State Rd., Mechanicsburg, PA 17055; (f) Rebecca Francis, of Box 307, Dillsburg, PA 17019. Maximum Duration of Trust 5.04. All of the trusts provided for in this Will shall in any event terminate on the expiration of twenty-one (21) years after the death of the last survivor of all my issue in being at the time of my death. Definitions 5.05. a. The term "children," as used in this Will, includes adopted children and any who may hereafter be born. b. The term "issue," as used in this Will, means lawful issue and includes legally adopted children. c. All references in this Will to the "trust" or to the "corpus of the trust," unless otherwise specifically provided for, refer, respectively, to each of the separate trusts established by this Will, and the corpus of each trust. d. The term "education," as used in this Will, includes both college and postgraduate study at any accredited institution of the beneficiary's choice for any -5- t period of time that, in the judgment of the Trustee, is advantageous to the beneficiary concerned; the Trustee is to provide adequate amounts for all related living and travel expenses of the beneficiary within reasonable limits. Consideration of Beneficiaries' Other Means 5.06. The Trustee, in exercising discretionary authority with respect to the payment of trust income or principal to any beneficiary, shall take into consideration any income or other resources available to the beneficiary from sources outside of this trust that may be known to the Trustee. The Trustee may accept as final and conclusive the written statement of the beneficiary receiving payment as to other available income or resources. The determination of the Trustee with respect to the advisability of making payments out of the principal to any beneficiary shall be conclusive on all persons interested in the trust. Incapacity of Beneficiary 5.07. If at any time any beneficiary entitled to receive income or principal from the trust is a minor or an incompetent or a person whom the Trustee deems unable to handle funds properly or wisely if paid directly to the beneficiary, the Trustee in the Trustee's discretion may make payments in any one or more of the following ways: (1) Directly to the beneficiary. (2) To the natural guardian or legally appointed guardian or conservator of the person or estate of the beneficiary. (3) By making expenditures directly for the care, support, maintenance, or education of the beneficiary. (4) To any person or organization furnishing care, support, maintenance, or education for the beneficiary. The Trustee shall not be required to see to the application of any funds paid or applied in any of the above-mentioned ways, and the receipt of the payee shall be full acquittance to the Trustee. The decision of the Trustee as to which of the methods should be used in making payments shall be conclusive and binding on all parties concerned. Undistributed Payments 5.08. On the termination of any interest in this trust, all undistributed income in the hands of the Trustee shall be paid to the person or persons next entitled to income by the terms of this Will. Alienation or Encumbrance -6- ~~ `'~ ~' . . 5.09. No beneficiary or remainder beneficiary of any Trust shall have any right or power, except as otherwise specified, to sell, transfer, assign, pledge, mortgage, alienate, or hypothecate his or her interest in the principal or income of the trust estate in any manner whatsoever. To the fullest extent of the law, the interest of each and every beneficiary and remainder beneficiary shall not be subject to the claims of any of his or her creditors or liable to attachment, execution, bankruptcy proceedings, or any other legal process. The Trustee shall pay, disburse, and distribute principal and income of the trust estate only in the manner provided for in this Will and not on any attempted transfer or assignment, whether oral or written, of any beneficiary or remainder beneficiary nor by operation of law. Distribution of Trust Assets by Executor 5.10. If on termination of the administration of my probate estate, there has been no distribution in trust to the Trustee and events have occurred that would require the Trustee under the terms of this Will to make immediate distribution of all the property, my Executor shall perform all of the acts necessary to complete the distribution and for that purpose shall have all the powers granted by this Will to the Trustee. ARTICLE 6. GENERAL ADMINISTRATIVE POWERS OF TRUSTEE Grant of Powers 6.01. In order to carry out the purposes of any Trust established by this Will, the Trustee, in addition to all other powers and discretions granted by this Will or by law, shall have the following powers and discretions, subject to any limitations specified elsewhere in this Will: Retain Assets (1) To continue to hold any and all property received by the Trustee or subsequently added to the trust estate or acquired pursuant to proper authority if and as long as the Trustee, in exercising reasonable prudence, discretion, and intelligence, considers that the retention is in the best interests of the trust; provided, however, that nonincome-producing or unproductive property shall not be retained as an asset of the Trust for more than a reasonable time during the lifetime of my Spouse without the written consent of my Spouse. Investments (2) To invest and reinvest in every kind of property, real, personal, or mixed, and every kind of investment, specifically including, but not by way of limitation, corporate obligations of every kind, and stocks, preferred or common, which persons of -7- ,,.r '~,' ~~` J prudence, discretion, and intelligence acquire for their own accounts. Management of Securities (3) To exercise, respecting securities held in the trust estate, 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; to participate in voting trusts, pooling agreements, 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; to exercise or sell stock subscription or conversion rights; and to accept and retain as an investment any securities or other property received through the exercise of any of the foregoing powers, regardless of any limitations elsewhere in this instrument relative to investments by the Trustee. Form of Ownership of Trust Property (4) To hold securities or other trust property in the name of the Trustee as Trustee under each Trust or in the Trustee's own name or in the name of a nominee or in such conditions where ownership will pass by delivery. Business Interests (5) To continue and operate, to sell or to liquidate, as the Trustee deems advisable at the risk of the trust estate, any business or partnership interests received by the trust estate; provided, however, that a nonincome-producing or unproductive business or partnership interest shall not be held as an asset of the Trust for more than a reasonable time during the lifetime of my Spouse without the written consent of my Spouse. Sell and Exchange (6) To sell for cash or on deferred payments at public or private sale, to exchange, and to convey any property of the trust estate. Division of Trust Estate (7) On any division of the trust estate into separate shares or trusts, to 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 manner deemed advisable in the discretion of the Trustee; after any division of the trust estate, the Trustee may make joint investments with funds from some or all of the several shares or Trusts, but the Trustee shall keep separate accounts for each share or Trust. Abandonment of Trust Assets -8- ;-, ~~ j~ i. (8) To abandon any trust asset or interest therein in the discretion of the Trustee. Options (9) To grant an option involving disposition of a trust asset and to take an option for the acquisition of any asset by the trust estate. Lease (10) To lease any real or personal property of the trust estate for any purpose for terms within or extending beyond the duration of any Trust. Property Management (11) To manage, control, improve, and repair real and personal property belonging to the trust estate. Development of Property (12) To partition, divide, subdivide, assign, develop, and improve any trust property; to make or obtain the vacation of plats and adjust boundaries or to adjust differences in valuation on exchange or partition by giving or receiving consideration; and to dedicate land or easements to public use with or without consideration. Repair, Alter, Demolish, and Erect (13) To make ordinary and extraordinary repairs and alterations in buildings or other trust property, to demolish any improvements, to raze party walls or buildings, and to erect new party walls or buildings as the Trustee deems advisable. Borrowing and Encumbering (14) To borrow money for any trust purpose from any person, firm, or corporation on the terms and conditions deemed appropriate by the Trustee and to obligate the trust estate for repayment; to encumber the trust estate or any of its property by mortgage, deed of trust, pledge, or otherwise, using whatever procedures to consummate the transaction deemed advisable by the Trustee; and to replace, renew, and extend any encumbrance and to pay loans or other obligations of the trust estate deemed advisable by the Trustee. Natural Resources (15) To enter into oil, gas, liquid or gaseous hydrocarbon, sulphur, metal and any and all other natural resource leases on terms deemed advisable by the Trustee, and to enter into any pooling, unitization, repressurization, community, and other types of agreements relating to the exploration, development, operation, and conservation of properties containing minerals or other natural resources; to drill, mine, and otherwise -9- 1 ~^ i~J operate for the development of oil, gas and other minerals; to contract for the installation and operation of absorption and repressuring plants; and to install and maintain pipelines. Insurance (16) To procure and carry at the expense of the trust estate insurance of the kinds, forms, and amounts deemed advisable by the Trustee to protect the trust estate and the Trustee against any hazard. Enforcement of Hypothecations (17) To enforce any deed of trust, mortgage, or pledge held by the trust estate and to purchase at any sale thereunder any property subject to any such hypothecation. Extending Time of Payment of Obligations (18) To extend the time of payment of any note or other obligation held in the trust estate, including accrued or future interests, in the discretion of the Trustee. Adjustment of Claim (19) To compromise, submit to arbitration, release with or without consideration, or otherwise adjust claims in favor of or against the trust estate. Litigation (20) To commence or defend at the expense of the trust estate any litigation affecting each Trust or any property of the trust estate deemed advisable by the Trustee. Administration Expenses (21) To pay all taxes, assessments, compensation of the trustee, and all other expenses incurred in the collection, care, administration, and protection of the trust estate. Employment of Attorneys, Advisers, and Other Agents (22) To employ any attorney, investment adviser, accountant, broker, tax specialist, or any other agent deemed necessary in the discretion of the Trustee; and to pay from the trust estate reasonable compensation for all services performed by any of them. Termination by Trustee of Small Trust (23) To terminate in the discretion of the Trustee any separate Trust held for an income beneficiary and remaindermen if the fair market value of the separate Trust at -10- ~~' ~` j any time becomes less than $2,500.00, and, regardless of the age of the income beneficiary, to distribute the principal and any accrued or undistributed net income to the income beneficiary, or to the income beneficiary's guardian or other fiduciary. Distribution (24) On any partial or final distribution of the trust estate, to 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 manner deemed advisable at the discretion of the Trustee and to sell any property deemed necessary by the Trustee to make the distribution. General (25) To do all the acts, to take all the proceedings, and to exercise all the rights, powers, and privileges which an absolute owner of the property would have, subject always to the discharge of his fiduciary obligations; the enumeration of certain powers in this Will shall not limit the general or implied powers of the Trustee; the Trustee shall have all additional powers that may now or hereafter be conferred on the Trustee by law or that may be necessary to enable the Trustee to administer each Trust in accordance with the provisions of this Will, subject to any limitations specified in this Will. Nonincome-Producing or Unproductive Asset (26) Any asset of the trust estate, regardless of how acquired, that is or has become nonincome-producing or unproductive shall not be held or retained by the Trustee for more than a reasonable time during the lifetime of my Spouse without the written consent of my Spouse. Powers Inconsistent With Marital Deduction (27) None of the powers or discretions granted in any provision in this Will to the Trustee shall be exercised in a manner inconsistent with the allowance of the full federal estate tax marital deduction to which my estate would otherwise be entitled, regardless of any provision in this Will to the contrary. ARTICLE 7. OPERATIONAL PROVISIONS OF TRUSTS Determination of Income and Principal 7.01. The Trustee shall have power to allocate receipts, disbursements, and losses to principal or to income, in accordance with generally accepted accounting practices. -11- ! (t;~ i~ ~ ,~ Appointment of Trustee 7.02. 1 appoint my Spouse, Michael Bubel, to serve as Trustee. If Michael Bubel ceases to serve for any reason, I appoint my children, Gregory Mark Bubel and Mary Grace Boerio, to serve in his place. (1) Each individual Trustee of any trust hereunder then serving may appoint in writing an individual to serve in his or her place; provided that any such appointment shall not supersede any designation made above of a successor Trustee. (2) The individual Trustees of any trust hereunder then serving may unanimously appoint in writing an individual and/or a corporation described in subparagraph (5) below to serve with them as co-Trustee in order to have at least one Trustee who is not a "related or subordinate party" as defined in section 672(c) of the Internal Revenue Code with respect to myself or any beneficiary hereunder. (3) As to each separate trust of which all of the net income is payable to a single income beneficiary, such income beneficiary shall become a co-Trustee of such trust upon attaining age twenty-one (21) and filing a written acceptance with the other Trustees then serving. (4) If any corporate or individual Trustee is located in a State other than the Commonwealth of Pennsylvania, my Trustees acting unanimously, may, but are not required to, direct in writing that the situs of the Trust be transferred to the State in which such Trustee is located. Any such transfer of situs shall be effective only if the court then having jurisdiction over the Trust shall concurrently transfer jurisdiction over the Trust to the appropriate court in said State. In the event of a transfer of situs, all questions subsequently arising pertaining to the construction and administration of the Trust shall be determined in accordance with the laws of the State to which situs and jurisdiction have been transferred. (5) Any power of appointment and removal under this Paragraph shall not be extinguished by a single exercise; provided that the power to remove a corporate trustee shall not be exercised more frequently than once every five years. (6) Any Trustee while serving hereunder may resign without court approval by written notice delivered to the co-Trustee and all sui juris income beneficiaries. If a Trustee ceases to serve, whether by death or resignation, such Trustee shall be relieved of all liability through the delivery of an account (formal or informal) to the sui juris income beneficiaries and by the signature of a release based on said account by such persons. -12- n ~, ~, "^~ (a) No Trustee taking office shall be liable in any way for the acts or omissions of any Trustee prior to such Trustee's assumption of office and shall have no duty to review the performance of a Trustee prior to that time. Trustee's Fees 7.03. The Trustee shall receive reasonable and just fees for any and all ordinary and extraordinary services rendered. Waiver of Trustee's Bond 7.04. No bond shall be required of any person named in this Will as Trustee. Choice of Law 7.06. The validity and administration of any trust established under this Will and all questions relating to the construction or interpretation of any such trust shall be governed by the laws of the Commonwealth of Pennsylvania. ARTICLE 8. PAYMENT OF DEATH TAXES 8.01. All estate, inheritance, and succession taxes, whether domestic or foreign, together with any interest and penalties, payable as a result of my death and imposed with respect to any property, whether or not disposed of by this Will, shall be paid out of the Residuary Trust established pursuant to Article 4 of this Will. ARTICLE 9. EXECUTOR Appointment 9.01. I nominate and appoint my spouse, Michael Bubel, as the Executor of this Will. In the event of my Executor's, resignation, renunciation, or inability to act, I appoint Gregory Mark Bubel and Mary Grace Boerio, as the Co- Executors of this Will in my Executor's place. My Executor, whether original, substitute, or successor, is referred to in this Will as my "Executor." No Bond .Required 9.02. No bond or other security shall be required of any Executor appointed in this Will. -13- ~{ ~ ~ ';'~'~ 1'~ j 1 ~ ~Y~ Powers 9.03. My Executor shall have, in extension and not in limitation of the powers given by law or by other provisions of this Will, the following powers with respect to the settlement of my probate estate: Same Powers as Trustee (1) To exercise with regard to the probate settlement all of the powers and authority conferred by this Will on the Trustee over the trust estate. (2) To employ any attorney, investment adviser, accountant, broker, tax specialist, or any other agent deemed necessary by my Executor; and to pay from my estate reasonable compensation for all services performed by any of them. Where Estate Property Kept (3) To keep any or atl of the property of my estate at any place or places in Cumberland County, Pennsylvania, or elsewhere within the United States or abroad or with a depositary or custodian at such place or places. Income Tax Returns (4) To join with my Spouse or my Spouse's executor or administrator in filing any income tax return of the income of my Spouse and myself for any period for which such a return may be permitted, and to agree with my Spouse or my Spouse's executor or administrator: (a) As to how the burden of the liability for any income tax, or interest on income tax, arising out of the filing of a joint return by my Executor and my Spouse or my Spouse's executor or administrator, shall be borne as between my estate and my Spouse or my Spouse's estate; and (b} As to who, as between my Spouse or my Spouse's estate and my estate, shall be entitled to any refund or credit of any income tax, or interest on income tax, based on the filing of a joint return by my Spouse and myself or by my Executor and my Spouse or my Spouse's executor or administrator; (c) As to who, as between my Spouse or my Spouse's estate and my estate, shall be entitled to any refund or credit of any amount paid on account of any joint declaration of any estimated income tax filed by my Spouse and myself, and of the interest on any such refund; and (d) As to who, as between my Spouse or my Spouse's estate and my estate, shall -14- ~'~ ~`"° ~~ _ ~-; be entitled to the benefit of any payment made by my Spouse and myself on account of any joint or separate declaration of any estimated income tax. Determination of Income and Principal (5) To pay as income the whole of the interest, dividends, rent, or receipts from property, whether wasting or not and although bought or taken at value above par, but if it is deemed advisable when property is bought or taken at a value above par, a portion of the income may be retained to offset such loss to the principal; to treat as income or principal or to apportion between them stock dividends, extra dividends, rights to take stock or securities, and proceeds from the sale of real estate, although such real estate may have been wholly or partly unproductive; to charge to income or principal or to apportion between them custodians' compensation, brokers' commissions, agents' compensations, attorneys' fees, insurance premiums, repairs or improvements, taxes, depreciation charges, and executor's compensation; generally to determine all questions as between income and principal or to apportion between them any receipt or gain and any charge, disbursement, or loss as is deemed advisable in the circumstances of each case as it arises, notwithstanding any statute, rule of law, or determination of any court. Divisions or Distributions of Estate (6) When paying legacies or dividing or distributing my estate, to make such payments, division, or distribution wholly or partly in kind by allotting and transferring specific securities or other personal or real properties or undivided interests therein as apart of the whole of any one or more payments or shares at current values in the manner deemed advisable by my Executor. All of the above powers may be exercised from time to time at the discretion of my Executor without further order or license. Marital Deduction Election 9.04. It is my intention that assets given outright to my Spouse by this Will shall qualify for the federal estate tax marital deduction. It is my intention that any assets in the Residuary Trust shall not qualify for the federal estate tax marital deduction. To this end my Executor shall not elect under Internal Revenue Code Section 2056(b)(7) or any comparable section in effect at my death for the assets in the Residuary Trust to qualify for the federal estate tax marital deduction. ARTICLE 10. GENERAL PROVISIONS -15- ~~~ } t Will Not Contractual 10.01. My Spouse and I are executing Wilts at approximately the same time in which each of us is the primary beneficiary of the Will of the other. These Wills are not being made because of any agreement between us. Either Will may at any time be revoked at the sole discretion of the maker. Survivorship Requirement 10.02. Should any person or persons, except for my spouse, who would take under this Will, but for this provision, fail to survive me by more than ninety days, such person or persons shall be deemed to have predeceased me for the purposes of construing all the terms of this Will. Effect of Inoperative, Invalid, or Illegal Provision 10.03. If any provision of this Will or any Codicil to this Will is held to be inoperative, invalid, or illegal, it is my intention that all of the remaining provisions shall continue to be fully operative and effective so far as is possible and reasonable. Headings 10.04. The headings above the various provisions of this Will have been included only in order to facilitate the location of the subject covered by each provision and are not to be used in construing this Will or in ascertaining my intentions. Number and Gender Defined 10.05. As used in this Will, whenever the context so indicates, the masculine, feminine, or neuter gender, and the singular or plural number, shall each be deemed to include the others. Disposition of All Property 10.06. It is my intention to dispose of all of my property under this Will. However, I do not intend to exercise any power of appointment that I now possess or that may hereafter be conferred on me, unless that power is specifically referred to in this Will or in any Codicil to this Will. IN WITNESS WHEREOF, I, Nancy Bubel, hereunto set my hand and seal this Zl~ day of _~~, 2000, to this my Last Will and Testament which consists of 18 typewritten pages. ~- -16- t Nancy Bubel SIGNED, SEALED, PUBLISHED AND DECLARED, by Nancy Bubel, the Testator above named, as and for the Testator's Last Will and Testament, and in the presence of us, who, at the Testator's request, in the Testator's presence and in the presence of each other have subscribed our names as witnesses. Witness: Address r - COMMONWEALTH OF PENNSYLVANIA ) ss.: COUNTY OF DAUPHIN 1, Nancy Bubel, Testator whose name is signed to the attached or foregoing instrument, having been duly qualified according to law, do hereby acknowledge that I signed and executed this instrument as my Last Will, that I signed it willingly and that I signed it as my free and voluntary act for the purposes therein contained. //, , Nancy Buliel Sworn or affirmed to and acknowledged before me by Nancy Bubel, the Testator, this ~ ~' day of ~ ~ ~y , 2000. 1 Notary Public COMMONWEALTH OF PENNSYLVANIA) r~crnR;AL Si:~~ ~fGDY GOi.DPIidG, Pio;ary Public SS.: t~iarrisburg, Dauphin County PA ~Ay Cammission Expires Pare G3, ~GG1 COUNTY OF DAUPHIN ) -17- if WE . J ~ ~ ~ ~. ~ ~_ . ~ r~...~' and ~/~" ' ~ ~/u-~~: --- the witnesses whose names are signed to the attach going instrument, being duly qualified according to law, do depose and say that we were present and saw the Testator sign and execute the instrument as the Testator's Last Will; that the Testator signed willingly and that the Testator executed it as the Testator's free and voluntary act for the purposes therein expressed; that each of us in the hearing and sight of the Testator signed the Will as witnesses; and that to the best of our knowledge, the Testator was at that time Eighteen or more years of age, of sound mind and under no constraint or undue influence. `~'! _ s~ / i~t~ -. Witness ~~ ~ ~~~ W Hess Sworn or affirmed to and subscribed before me by ~.~ ~~ f'~~F ~v, ~ . .~1~ , and ~ /"ce~l~ %~.~ , witnesses, this ,~. ~ day of -.~ ~- 000. ~ ' r.~rARiAi_ SE:,L ~oo~ cei.o~i~c, notary Pcznlic HarrisL+arn, D2EiHhifi Co~rty F'A ~ ~4y Corr~r+iissir•~ Expicos Poor D3, iG~i Notary Public -18- Previnua etlifbns ara obadela A. Setlleinent Statement B. Type of loan form HUD-1 (3/86) rer Hanobook 4305.2 U.S. Department of Housing and Urban Development f1MR ~n ~l u., eenn n 1. UFHA 2. pFmHA 3. i3lConv. Unins. 6. File Number ~ ---- --~~ `~ °°° "'°""""' rtnAL 7. Loan Number 8. Mortgage Insurance Case Numb er 4. VA 5. Conv.lns. HS09036 8800281703 a orm a 9n'a you a an s an m s. mo C. Note: xama markatl •(p.o.e.r ware pals ouulde tlta doNrp; May ara shown ban for IMOrmitlon se emm spsn ere s own. TltleEx WARNING: N W a orkna to P'u"~Py°i" and ara rot ind+detl In the uvula. press Settlement System ~ '~rt S u ~ ' I M rnnNCtlon tin heexrs • 8na a iM aonmanl For oWN q i: TiO t e USS. CoAS Sedan 1001 ano Sactlo O~tOa"~a upon Printed 10115/2009 at 11 55 SC : D. NAME OF BORROWER: David M. Cassel and Dianna D. Cassel ADDRESS: E. NAME OF SELLER: Estate of Nancy Bubel by her Executor Gregory Mark Bubel and Estate of Nancy Bubel by her Executrix Mary Grace Boerio ADDRESS: F. NAME OF LENDER: Members 1st Federal Credit Union ADDRESS: 5000 Louise Drive P.O. Box 40 Mechanicsbu PA 17055 G. PROPERTY ADDRESS: 3514 Margo Road, Camp Hill, PA 17011 Ham en Tovmahi H. SETTLEMENT AGENT: Heritage Settlement Services, LLC, Phone: 717.975.2117 Fax: 717.730.9665 PLACE OF SETTLEMENT: 4705 E. Trindle Road Mechanicsbur PA 17050 I. SETTLEMENT DATE: 10/1612009 J. SUMMARY OF BORROWER'S TRANSACTION:. K. SUMMARY OF SELLER'S TRANSACTION: 100. GROSS AMOUNT DUE FROM BORROWER 400. GROSS AMOUNT DUE TO SELLER 101. Contract sales 'ce 212500.00 401. Contract sales rice 212 500 00 102. Personal Pro t ; „ - t., ` ~ ~. 402. Personal Pro e . ~. 103. Settlement cha``" S (o ' in~t400 (~'= 7405.09 403. " - ~~ 104. ~ :;,>; 404. _ . 105. 405. !~d i7`stments for items aid b seller in advance ' ,, ~, . , Ad ustments-ibid6ms+ seller m advalice 106. Ci Aown taXe~ ? a ~~ . , v 466" CI ltovin taxes i.'>:€t~-~ ~s , =~ 107. Coun taxes a':" •'GCO 610& '1109 . ` ~ 115.95 407. Coun Taxes ,r '~,10116109to12/3~109'~ t, , ,yam 115 95 108. School taxes . ~~` ,r b110 1357f96 ' 408. Schoohlpaices 10116/09to0613 . 1357 96 109. Sewer 10116Po9 to 12131109 1:16 :04 409. Sew~ra :' 1 OU16 . 110. m .. , 410. `dir;` ~s : ~>-L ~ ~- 116.04 ~~,; 111. `s' 172 '' ~, , 411. q.<: x ~~ ,w ~; ;, . ' 412. ~~ _,': :: as 120. GROSS AMOT DUE FROM BORROWER '"" 221 504 420. GROSSIAMOU .~ ~ ELF .r 200. AMOUNTS Y OR ON BEHALF OF BOR .. ~R , 500. RED,W aIONS IN • ~ ~ S '~R 214 089.95 ~ 201. De sit or earnest none 2500.00 501. Excess De osit see instructions 202. Prlnci al amount of new loans ' 152 000.00 502. Settlement cha es to seller line 1400 15 772 00 203. Existin bans taken sub to 503. Existin loan s taken sub~ect to . 204. 504. Pa off of First Mort a e Loan 205. 505. 206. 506. 207. 507. 208. 509. 209. 509. Ad'ustments for items un aid b seller Ad ustments for items un aid b seller 210. Ci Rown taxes 510. Ci !town taxes 211. Count taxes 511. Coun taxes 212. School taxes 512. School taxes 213. 513. 214. Window Re air credit 150.00 514. Window Re air credit 275. 515. 150.00 216. 516. 217. 517. 218. 518. 219. 519. 220. TOTAL PAID BYIFOR BORROWER 154 650.00 520. TOTAL REDUCTION AMOUNT DUE SELLER 300. CASH AT SETTLEMENT FROM OR TO BORR OWER 15 922.00 600. CASH AT SETTLEMENT TO OR FROM SELLER 301. Gross amount due from borrower line 120 221 495.04 601. Gross amount due to seller line 420 214 089 95 302. Less amounts aid b Ifor borrower line 220 154 650.00 . 602. Less reduction amount due seller line 520 15 922.00 303. CASH FROM BORROWER 66 845.04 603. CASH TO SELLER 198.167.95 SUBSTITUTE FORM 1099 SELLER STATEMENT: Ths Inrormatbn Canulnetl herein la Imponanl tax kttonnatlon and la 6elrp Nmiahatl u Me Inumal Revenue Ssrvke. If you an requfrao u file a return, a nsp pensxy or oMer sanctlon will be Imposatl on you If Mla Itsm la requintl u Iw roportetl mtl Ma IRS tletarmines gut x has mt assn roportetl. The Contnd Sales Pnoa tlaaglbetl on tlna 40 stxrva oonstlutaa Ule Gress Procaetla or Mis 0enaaotlon. numaer,'~'flraA by law b prowtla Ma aeelemeM apart (Fsd. Tax ID No: 251751921) wiM your correct u~aysr ItlenfKCatlon number. If u Oa not you may be au~sd u deli or erlmkW penaaisa Mposetl 0Y law. Untler penaltlea d perp,ry, I ceNy tact tna number shown on tlpe suumenpt'IOeVI..tl,. yM..~i.~ ~P~er i~en99tatlon TIN: -- ~ _- SELLER(S)SIGNATURE(S): SELLER(S) NEW MAILING ADDRESS: SELLER(S) PHONE NUMBERS: _ ,,,, PreWOUa etll0one an obsolete U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT Sr*TTLEMENT STATEMENT I ~r~r form HUD-1 (3IS6) ref HanObook !305.2 File Number: HS09038 FINAL PAGE 2 Tit19ExDressSettlementSvstem PrinmH7nnhnru7D.r,,.«r... r VrU1r~VGJ 700. TOTAL SALES/BROKER'S COMMISSION based on rice 5212 500.00 6.000 = 12 750.00 - ---" PAID FROM BORROWE ' PAID FROM Division of commission line 700 as folbws: R S SELLER'S 701• 6 400.00 to Re1Max Real ASSOCiateS inc. FUNDS AT FUNDS AT 702. 6 350.00 to Keller William of Central PA SETTLEMENT SETTLEMENT 703. Commission aid at Settlement 704. Broker Fee to Re1Max Rea Associates tnc. 12 750.00 800. ITEMS PAYABLE IN CONNECTION WITH LOAN 150.00 Sot. Loan Ori ination Fee 1.000 %Members tat Federal Cr dk U i e n on 802. Loan Discount 0.250 %Members 1st Federal C dit U i 1 520.00 re n on 803. A raise! Fee 380.00 804. Credft Re rt 805. Lender's Ins ' n Fee 806. Mort a e A lication Fee 807. Assum lion Fee 808. Document Pre .Fee to Members 1st Federal Cr dit U i e n on 809. Underwritin Fee to Members 1st Federal C dit U i 305.00 re n on 810. 150.00 811. 900. ITEMS REfit)tESE ~' LIEN :'~'BE PAIF3tN~ADVANCE 901. Interest F` rri=~• '6 "605r't~"~i"170112009`~ 'ry` 20 .5833 Ida 1B Da s 902. Mort a e:tii§~rrance Premium for to 329x33 903. Hazard lrisuiance Premium for t o . _ 904. r 905. ~ ~r 1000. RESERVES?DEP®SITE01WRsH LENDER FAR=E . as ; .. ,.,. 1001. Hazardansl~rarilil3 ' " -" ` ' 3 md$ ' : 38 ` , . - .92 Imo , 1002. Mort a "eJn§urance mds< ~"" + w ~ - 118 78, . Imo ~~: r 1003. Cit P `Tax - : ~ ' ' z~ r y ~ ~_ ~~ . r ..: mo Ea bi Imo ; 1004. Count Pro' Tax 9 ?' -ia ; ,~ d , mo 45.81 !mo } _ 1005. School tomes 5 _° ~ '"' ' ~' ; ~ 412'2' K: y m - .160.10 !mo 1009. A "t~?~;na1 sis Ad'ustment to Members 1s~iF" era! Cr." I~Union r -; a °~yr.-r ak -~~"~` 1100. TITLErCfiARGES ~y:~~+• < ~<:` ~-' 572' N e ~ _ a 0.00 1101. Settlement or closin fee 1102. Abstract or title search 1103. Title examination 1104. Title insurance binder 1105. Document Pre aration 1706. Note Fees to Nota Pubtic 1107. Attome s fees 25.00 includes above items No: 1108. Title Insurance to Herita a Settleme t S i n erv ces LLC includes above items No: 1 423.75 1109. Lender's Pol' 152 000 00 - . 1 t 10. Owners Polic 212 500.00 •1 423.75 1111. 100 No Viol 300 Surve 900E to Herita a Settlement S i L erv ces LC 1112. 150.00 11 t3. Closin Svcltr to Old Re ublic National Titl I e nsurance Co. 75.00 1200. GOVERNMENT RECORDING AND TRANSFER CHARGES 1201. Recordin Fees Deed 38.50 • Mort a 66 50 • . Release 1202. Cit /Coun tax/stam s Deed 2125 00 • M 105.00 . ort a e 1203. State Taxlstam s Deed 2125.00 Mort a e 2125.00 1204. Parcel ID Verification to Cumberland Coun Recorder of Deeds 2125.00 1205. 20.00 1300. ADDITIONAL SETTLEMENT CHARGES 1301. Surve 1302. Tax Cert Reimbursment Fee to Michael Lan an Treasurer 1303. Courier Fee to Herita a Settlement Services LLC 5.00 t 304, Electronic Document Fee to Herita a Settlement Services LLC 15.00 1305. Electrical re airs to W.S. Care 25.00 1400. TOTAL'SETTLEMENT CHARGES enter on lines 103 Section J and 502 Section K ~~ ~„ ..~e_,~,..._,,....._ 7 405.09 742,00 ..15.772.00 lonew q nvieweo the HUD•1 SettlemsM Statement arw beet of my knowlaEpe erw beget, It Is • Ws ano eacunta atetemaM o1 ell reeelpla ano tlieburaemants mace on my account r by m n qri trensaetlon, I N r urtl y the rsesiw0 py or bte HUD-t SaObment SlatemaM ~~//J~~~(~ //~~ (//~ a / e ~ tan" _ i'1~ _. I/~ ~/l ~ l /~ ~~ X ~l ~ e 9 x ecu or ie~g,' ~ ~~ sae anq u e y x ea ary ee oeno WARNING: IT IS A LRIME TO KNOWINGLY MAKE FALSE STATEMENTS TO THE Tile HUD•1 Settlement Ste 7N7 I new rW UNITED STATES ON THIS OR ANY SIMILAR FORM. PENALTIES UPON CONVICTION transactlon. I have Sp ~ or wN a the hmOS W beldabunetl~4 ~~ pr°e a seiemanL CAN INCLUDE A FINE AND IMPRISONMENT. FOR DETAILS SEE TnlE te: / t U. S. CODE SECTION 7001 AND SECTION 1010. ~. SETTLEMENTA T: ~ OA7E: v'/G Date : ~~-~ 4-~~~+'3 .~-- www. haar~s. com HAf~R' S AUCTIQ~'+} 717-43L-8E46 Settlement DREG BL1$~L ~'a9e; ;=~ Seller: 3~} `- 9 Ht=t1UCOCK LANE h~ I DDLETiIWN NJ X7748 Ttero Lfescription Farce t~ty Fetal - Gh~ir 1 ~. ~~ - G 1 a.,s s t u`P t o b;l e 1 i. ~~ - gook shelf 1 '~.+~~+ _ Tv 1 17, ~~ - Gak dr.esser~ 1 5~. ~~ _ Recliner ~~. k++Z~ :~ 1~~. ~Qt - RecT iner^ 1 ~. ~~ .-- Desk c(~air 1 ~. ~~ - Hide..-a-bed i 2~, Fl2t:, - Mirror 1 ;'. +B~ Hide-a--t~eci-end i ~. ~~ It em,s : ik~L Ama~int : ~~~. 5~ ~.ommissian at 4+Z~, ~+t7.~~;~ 377. ~~ FUEL SURC#ARGE itZ+. ~+~ Less ad,jicstraents: -,~87. ~~ Nit d~_ce t~ seller,: 5`v~v. 9~~ 9~'- www. haars. com hiAGi~' S i~L1CTION ~ ~-8~4f~n3~3c~ I ~~ ~ ~ 1, `-~' f ~ ~° .~ ,~~ _ ~' ~~ ~=~ 3,.:r _ ~.. , Dated ~9-4?~4-~,=~t1s9 r www. hags. cottt HWf~t2° 5 AUCTIOh~ iS7-4~:=-8~4b Settlement GREG HU$EL Page; ;~ Se31~r-: ~5i4 FIFaNCC3CK LANK }rl'I DDLETQWN N~' X7748 Item Description Price Glty Total `" Nlght stand ~ ~. ~~' - Night stand 1' ~.'Q~~ _ ~. Lights 1 5, ~flj - }{neehale desk 1 i~, 0~rb - File b.a x 1' ~ . Q1 ~+ -- Rack i 4~. ~Sa~ ~, ~ ~. •- FIoor light 1 Qt.`'S@~ - Step stool 1_ 1.0~ Sheep hide 1 Dc. ~~~IQ~ - Deck chair # 1.. ~. - ~i et ur^e s 1 @. ~ :~, - Pc~ak~~se 1 ~ ~ ~~ - Lawn chairs i `.' - - L,~dder 1 ~5. Sand 1 L. @¢~ Sh e I f I 4. ~+~ ~f`tc~11^S # 1~. ~JQ~~ -- l3r^opleaf t'able` 1 5. ~ - Fi 1e cabinet 1' i. f~10 Cabinet 1 17 ~~ ~`~ai~d _ 1 ~~~~ f . Ball bed 1 ~»~?~, , -- Table-chair~s 1' 9.L~tZr Floor i aghts 1 ~. `5~0 Tv s ~ __.. .; ~7,F~~ _ - _. . 4 chair°s 1 3 - Chair 1 1.~f~ - - Chair 1 f.~~' _ Table 1 1 ~. ~$ - W~11 ldir~r~or 1 4:; . - bench 1 ~. ~t'~,: Dresser 1 17. ~'},.oor light 1 Y.. `: - Flaar 1 fight °7. ~~ #~, -- Tab 1 e s 1 t~.. ~pt(~Qt - Oak chair 1 ~:. ~k~ - Kids rocker' 1 ~. ~-~ - Washstand 1 ~?~. Q~g- - Bookcase i 1~.~.~ - Table-chars 1 ~5.0~h - Corner catainet 1 s~Z+.OQ~ ~2t e : ~~-~~'-U~Qy~ {~ww. hraars, cum HAAR' S AUGTID~1 ?'17-~,:,~-846 Sett 1 ement DREG RiIE~EL page : 1 Seller: ~?,,~,1~+ ~ HAI`3G€~CK LANE M I I7DLETDW~t 4~;3 X7748 Item DeSCripti°on ptr^ice qty Total - FlY reel i 4. s~~ - Gl i pper~ 1 ~. ~5~2~ - Hand tools 1 10.~4~ ._ Nix lat f ~.S~Z-i?~ Fishing tackle-lot. 1 ~...#~t~. M~ s k s 1 ~. LS~~ Gar m+_~ffs-1 of 1 ~, ``,~~, Mails 1 i.St~ - Weather stripping--t {Mine 1 ~, ~~h~h~ - Fayvicet 1 4, ~t~ Rex lr~t f ~[. G~~+~ - Etox lot`s 1 Q-. ~5~ - Pox lot 1 q~. ~~r1+~ - Fishing reel 1 ~,`SC~ -- P~Iast is 1 ;2,'a~! - Electrical lot 1 1. ~5 -- P+.~ bs 1 3. ~~ {alai l s 1 ~~. ~5~i~ - laax ltrt 1 ~.5~ - 5htrp~-vac 1 ~. ~5 - Table lot 1 ~.,~~ - Table 1 of 1 1. ~+~ - Table 1 Dt 5 1 ~. ~~~~ Deck chair 8. ~~ ~ 18. ~~ - Luggage 1 1. ~~ L.ct~l9~9e 1 ~1t.:~~EZt~ - Book rack-stool 1,_ i.fd~1 Shop-vac 1 :~~. ~~ _ ~'-r~ i i . u~~ - L~t~,gage 1 8, 4~0` - Luggage 1 k.S~'~4~ - R~tg 1 ,~. ~~ Tape r~a{ck 1 ~. ~~~~ - Fryer` Pit 1 u~. ~~ ~_ Sweeper, 1 ~Q~. ~~ - F1 ower Ppf _1 ~. 5~~~ - FLoor light-shelf i i. ~~ - Stools 1 1. ~k"+ Q+.~ i 1 t rack 1 1. ~~ - ~t ere a ^ gat t a t 1 L~. ~~+ Tui~ seat 1 ~t_:~~2t~Zt - Desk-racks-book 1 1.~~ rack--cabinet - Cabinet 1 f. i~~C f~ L~at e n ~~--~7-~~+~`~ www. haars. cam HAA~t' S AUCTTC7N Settlement GREG PUHEL Sellers 314 M~tNG~IGK LN ~ I D~7LETC-Wi~!' NJ Qt7748 Ttem Bescription - G~.EYde-sa~.v blades - Hack sews - Saw blades - Na i 1 t-ar - Neil bar - Taper Jib - Guide - Stone - Hammer - Hatchet - Wheel dresser - ~1~g, glasses - TQal ]ot - Wrenches - Hammer-l o t - Neat. drivers TUQI lot Feeler g~_~ac~e - F~r^un~rs - :fit - Crimper,s_ Allen. wrenches Flashlight - iYlallet-rule y rt G7rench ~~ GlamPs Takes - Sq{.+ar^e - ~Ixers Solder gran - Socket wrench - Ratchet Sockets ~'l ier5_ - i3r9an i ~. er Locke s'' - ~L7Ql bOX -. ~tgar~~~er - Empire chest -'' Blanket chest Vj. ~+~ Commission at 4~=~~iy~'i: Pages i F~rice t~ty Total 1 i c . Q ~ ~ 1 TT { y ' ~. L~K,1~ 1 7. ~Q- 1 1. 5 i ~-. ;~5~r~_ 1 5 . ~rsTi i ~;. ~~ i ~. ~~ f X71. LS~i~ 1 1:-~~ 1 1 a:~~ 1 ~ ~~ 1 i ~~+ 1 1. Q~~S ~. ~. ~J~~ l ~« ~~~Q~ 1 0,- ~5+~4~ i ~ . ~+~~ 1 ~i S5~!~ 1 ?.5Q- 1 Lam. ~K. 1 1b i 1. 5~ i 1. "+~Q1 1 1, 5~+ 1 3. t~~d i 0~. T ~'~.75~+k~ 1 2. ~~ 1 ~. ~~ 1 J. ~~ Lw' J~ .~. ~.-~~ ~. 1F Q~~ 1 ~~. ~~ Tt em's :, 4I Amoa~in'~ ~ :~~~,~ ~~ £~ ~ . iZ+~ Less` ad,Ju-stm~nts. -t~6. i~~ ~Iet b,a~e to seller°c ~~,+~~ at e' +~9-1.1-~?~~~ www, haars. com HEAR' S AUCTI'CSN 7'17-43~'-8~4~ 5et~ 1 ement SRES BUL~EI_ F~ege a 3 S e 1 ]. e t^ ~+ HAIWCC~CK LANE i~ I DDLET0i~3~ NJ' ~C 77~r8 Iten Description F'r,ice ~?ty To}al: - c~c~x ~ i . ~~ ~_ - STAi~GL ,RLATE i ~. ~v~ - Rf71~L, F'IE ELATE 1 4. Q-~ - CHEESE i~Ctk, BUTTER PADDLE 1 5, ~~ - D~IULTLlhI ~'ITGFfER 1 i.3.4~~ - ~~ I TGHE~2 i .s. ~~ - .RATTER Dt7WL i ~.. ~~ - ~'LATES 1 i , it~+Z~ - C~C3RN I hlG D I SNES 1 ~, ~~~~ C;gFFEE €iQT, CaLfli~ll3ER i 5. ~~ - CHILDS TEA SST 1 i, ~-~ - ,JRCK fl LA[dTFRN i ~. `5~+~ - C:UP A{'+iD SAUCER 1 i, ~~~ - ~1tJWL E~DWL i ~. +Zrt~ CUE' Ai~iD SAUCER i :. ~~ CtJF' AND SFIUCEF? 1 ,~. ~~ SST QF Bi~XES i +~.:~5~~ - CUR AND SAUCER.:.. 1 _ i . i - BCft~L i i, ~~ - CIJ~~ AND SAUGE~t i 3 ~dt~ SUNFLQWER BUS i 1.~~ ^ HANDLED PCIWL :1 ~. LS~~+ CUB' AND '~AlJGER 1 1. ~~Z- - CL.~F' AND SAk}CER 1 1. ~~ L'LI~' AND SA.lGEi~ i 1. ~Q+ - ClJ~' AND S~1UC~R=END 1 ,j Y`~~, _ .. www. h~~r5. com I~emso 1~~9 Asnoun~: 5~~.~+ ~~;~. ~4~ Less acf.j~.~stmen~s; -~.+Z~c. `~ Ne~k die {;t~ 5eiier . 3~~.:~~~ HAAft' S AUCTION 717-4,~~-J~:~+b .Date: +~9-i1-~~~~ www. hags. co m HAr'1Ft' ~ ~1UCT I C~hJ 717-4~~-8;~4~, Settlement Gf2E~ BUPEL F'age: ;~ Sellers 351~- J H~ItVCt7CK L~tNE ~+1IDDLET~WIV NS ~7~48 Stem Description Price G~ty' Total CQO}t~C1pl 1 4Zs. LS~hQ+ -- Miero. ~. ~. ~~~~- - Pox Iot - ca5se-~tes -- water 1 4. Q~f T,)~c'35sB9 - G~3.S~'i$5 - CUF' ANI? SF~I.iGE R5, FtS I S 1 lt.. ~LJt -~ Pax lt~t --- CI3 - knckll~nacks 1 1. ~!~ -- BOWL i ~, ~+ib >~~ack~ pict~.~r^e.s ~ ~h~dbw boat _ ~„ ~ .,~.; .-:~~~= t~1..iILT L~t~l~t', 1 1. ~~ - REDiJARE ~'LATES 1 1. ~!Ch - Hax 30~ - dishes - pins -~ i B.~d 1 i f~ht ~S~3WL 1 ~. Qt$ - Rax lot ~ sewing items 1 7. k1~ S~'~GHEN Ff:15T~R BDC1Fi 1 ~. Qt+D - Box Tot - party .items - 1 ~,. tZyl~ bird hc~+_tse - mirror - k~LL}E WTLLt~W LUT i ~.25~~ -- Box ~p't -- tied - casters - i 5.+~~ hardware -- E~ox' lot -~ materi,~l - Erax 1 ;_,~~ tat _ kids nets -- ~'LATE5~Et11VG A~VD SFtIJ~lL~EL 1 ~. ~+~ - ptax lot - phc~~o alb+~me •- i ~. ~~+ past ~ar~d~ -- F'LAT~S 1 ~: ~~ - F'LAT~S 1 ~+'. ~u~ -- Case_ blackberry syrup 1 it~.~~1 - S~UF~ Ht3WLS 1 ~. `SQL a t t l a map p e r~ E ~ 1 4,~Z t ~ (n '~ ~ ~ + ~ y (t] } y ~ 7~ - SEFtV IhIG =-SF'C~~~ 1 ~. ~~~~ `i~ox lot - leggas - ,jackets 1 1;~+~~ - mist i.~ems - NOLi~ES i ~. ~~~~ -- Pox lcrt - blankets - board 1 ~.;~5+~~ ~ar~es -'cr,ittors-set dishes - F'L~1TE5 1 U. ~~ - pFALTZ Rt]WL5, PLATES 1 5. ¢~~ - Pax lot -- al!.i~ - knives - 1 ~. ~~ m i sc it em;s - Erox lot `- frames -- toys - 1 ~. ~Qt kni~kfkn_acks - Lox lot _ i ght s - end i 4. ~~t -.. 'GERAMI;C BASKET _i ~. ~~ Lsat e ; ~~-i 1-L ~+Q9 www, hags. cgm HAAR' S AUGT1t7N 717-•4u;~-E~~~~ Settlement GREG BUBEL ~'~ge: ~ Seller: 3~1 ~? F#Rfi1~OGK Lfl~tE ~iTDD~ETC?t~dN i~1,7 ~+77~t8 Item Resc~^i~ti-an F'r°ce G?ty Tatal - RC~~ 5CC}TCH TA~~E 2 3. ~+~ - BUX FLATWARE 1 , ~~ - MOLT i CUTLET 1 1, ~~ - GROCK, 1 85. ~~ wA~r~~r~c c~~v i ~. - DOLL DRIB 1 ~.L~~~ - G#20GK, AS I S i I ~. Q~~h - DULL HtiUSE i 4. +~+~ - GflIVES 1 ~. ~~ - I}dLL CRAL}LE 1 i . ~ Flt3LL REIVCH, PEAR 1 3. ~fQ -- GDS 1 1. ~L+ - c~.c~c~ i i ~ ~~ - Tc rc 1 ~. ~+ - ~'FRI`TZ CUSTr~RDS i ~. ~5~G~ - F' I ~TURES i ~,. ~~ - CRCIGI~S i 3. ~t&~ GRQUH5- 1 ;~, ~~~, - L~O~ 3EWEL.RY' i ~: k3~ - ~~-IL~' 1 17. ~+~ - I~II~I MUG i i. ~t~ I•~iAi~I3FUL. F I ~1-1I N~ {~UI?S i ~7, ~~ - i~UTLT, 1 1~. ~~ - ROUE BQIJL i -i . ~?~ y E~ax Iat photo ~1-b~.tms = fi ~.~2~ <; misc items _ _. GLfEBEE. SHAKERS 1 `'~': Ply-. . __ Or~ganizors -~ cassettes 1 ~'~, ~5~~ - L~DUK~h1U5 1 ~. - L~askets - glasses - CL}' s i ~. ~~ - NDWLS i 1. ~~ - Basket - VCR movies - 1 i~.~~ 4rC~dni~Dr~5 - .RUGS ETG l 1+~. ~~ -- Lt3T i' :~. ~~ -- E~askets - ~a5settea - i 13. ~+'~ #~askets - box. 1Qt -- al~_im. - ~FAL i >CiR~iS 1 3. ~Q~ - R,ad~intan set •- radio i ~. ~4~ - L I ~tE3US i 5. ~~ -- G T TCHE ~ 1 1. ~~ - fox lob -- GD ! 1~. Qi~t WC)RLDS FAT R 'LATE 1 7. ~~ - k~ax lot ~,. e~rphcrttes - 1 ~. ~ ~Qf dishes -~ light - radio • e : i ~-~~-~@tZs'3 -_---- www. t~~ar^s. yam HAAR' S AiJC7'IC31`I 71 ~-~r~;~;--~;~~~~, Settlement GREG HUBEL ~'aqe: L SelZera ~~i~ _, d--~~' 9 FIf~N~I_l~lt L~h}~ 1+7II7L3LETf~WI'd h1:T >~~7~t8' Item Description F~ri.ce Dty Total - Tl~.~st masks i i. ~ - older gun_sq~.iar~es 1 11. ~+~ - G~.itt~ris °i ].,~. _ - Tool Iot i . _i. S~1 Ghzsel--~iot I ~. ~~ - Head light-lat i 4.51 - I'~~ilet-lot i 1. ~~+- -- i'a l~ l e I r~ t 1 k. ~~ - Tr^aile>~ card i r.~~, - Cl~mPc i t, ~1@~ - fir' ~nmtaressor 1 i~.~f~ _' V 15e ~ .SQL. ~~; -- Tool lot-end 1 ~'. ~~ Items: 1iZ~7 t~ma~~nt; ~i~,~+~ Commssiarr ~~ ~~. ~QEQ~% 1~,7. S~ Less ad.j~.tstm~»~s : -1E,7. ~ luet dt~e to seller^II ~~1. ~+@ Wi±ViN. I'1r3c1r5. ~DQi HEAR' S AUGTISI~i ! :~!" 4a"~C`.~~] Uat ex 10--~~-~~~ www, hears. cnm HAAR' S Ft~1CTIC+iV 717-~;:,~-~3',~~~ Settkeatent GREG 811~1EL ~~ge. ~e'I1er: 3514 ~i HAIVCQCN. LADE ~*1IDDLETOhJN h~J X7748 I'~~m Description F}r^ice Qty Tot~I - F'~_t 17. er-casters f 8. rZtt~ - T~a1 lot 1 ~.75~~ Pipe-.wrhnches 1 ,~_* - ~O X 1 4t 1 Q~..~a~F '. - Trai I er cord i Qt,.~ - Trailer cord 1 1;~ Dart , . 1 1. ~~ , . ,.. ~ ~ n Tsr.e p~~mP 1 ~ ,~'~ Rapp 1 ~~ ,, -`~"a b 1 l a t 1 ~-~ '~' , - H~ttery charger 1 y 1~34~'' - Hlade--lot I 1,5~' -^ Pench grinder 3 i7, ~0 Jig saw i 1.~~ `- Drili 1 i, K~ - Tov l set i ~'~. @Q~ - Gt^inding wheel-saw lalades i r~, ~0 Screw drivers I` ~. 5~ -- F~1ane 1 i~+. ~~ - Hax ltit 1 11. ~~~ - Sander 1 +C. L~~~ Drill °•.} i g = =iw 1 ~. 7~4-~+ - F'aper cutter 1 7.~~ `Screw dr'~ivers 1 $k - Ignite 1 .:,.~~. '' - Doping saws 1 '. 1. 54~ - Taol lot 1 ~?,..+Z+~+ - Tool lot 1 ~r,~~ - L~.ibe ~ Q~.5kl0t~ F}encz 1 set 1 ~, ~56d~ Br^am 1 1.5~ 7r^i~orner 1 i~f,: Ax ~ 1 ~t-'r=~~~~ - F a r-k 1 7. ~@~ Plant .hanger, 1 E5. @~ - Tri~a~er-r~7kes i L.SQ- - Snow shovels-tool ~~50~~ - Square ' 1 1. S~Zt - Gl~.~e 9~+n i ~, ~~ - Viewer 1 +Z+. - 8tdpler 7'~ _ Vibrator' i +Zi. ~5~4~ - Nand vise. i ,~. ~IJ$ Mate: 1~-~~-L~~~ www. ~raars. cam !-~Hfi1RT~ FIUGTION 7174 ~-8'4~', Settlement SREG PLi~EL Page: 1 Seller,a 314 S HAl~CCGiCK LAME M I DDLE1`CWAI IUJ ~+7?~+8 Item Descr~iptQn F*ric~ Qty Tat~l }-1cre 1 4, ~~ - T o a i 1 1. ~~'~ - To't~l set 1 `. ~~ ~{'Ii5Q~.5 :~ 4. ~~ - ~'iies ~ ~"+.; -- Files 1 4.5~ - F'i 1 e s # 3. ~~ - Keys-n~i 1 bar 1 1. ~~ - Es i t s f ~ . +~~ -~ Hsi 1 set 1 ~. ~~ Tool set 1 i. ~+Zi' - LJheeis i ~. ~4~ -- E~lades--stone 1 I,~~ Ghis~]:s 1 i;~, ~~ - File:=_ 1 ~;. ~~ ..Levee}::. i s. ~~ - Toal 1 7. ~~~ - Chuck-bolt c#_~tter~s 1 ~. ~~ - GaI i~er 1 1. S~c'~ - Getters # ~,~~~~ _ F' i pe var-en~h 1 ~Y ~~t _ f~eact~er^ ~ ~A ~~ Ch~.S'els 1 1 r . ~~ LLHaa~mers # - ~` ~ - 5c~r~ew clri v era:. i 1, ~~, - 4='ads-Framio~r 1 ~.. ~~ - Metal ~.~ox I ,?,. ~qs ~i ies i 4. ~~+ - Ha~r~cr~-l at 1 ,~. ~~ al i ~~, wrenches 1 u~. ~~~~. - Pliers 1 ~.~ ~+~ - l'ap let i ~. ~~ - Fi it er wr!~nche~ 1 # . ~C~ - Too I 1 _;. ~0 - Handles 1 ~. 5~~~ - !Vail bar-lat 1 E.k~~' - Knife a u. ~1Z+ L~inocctiars 1 1 i. ~'~ - L~s,~ct 'type 1 3, ~~ _ Spr'inga 1 f~. ra~~ MEMBERS 1St FEDERAL CREDIT UNION SAVINGS ACCOUNT: Account Number/Suffix Date Account Established Principal Balance at Date of Death Accrued Interest to Date of Death Total Principal and Accrued Interest Name of Joint Owner CERTIFICATE OF DEPOSIT: Account Number/Suffix Date Account Established Principal Balance at Date of Death Accrued Interest to Date of Death Total Principal and Accrued Interest Name of Beneficiaries VISA ACCOUNT: Account Number/Suffix Date Account Established Balance at Date of Death Name of Joint Cardholder 264012-00 04/29/2005 $5.96 $.00 $5.96 None 264012-46 01 /05/2009 $126,359.59 $162.47 $126,522.06 Gregory Bubel Mary Grace Boerio 4833660000081T3* 04/26/2006 $4,665.14 Michael Bubel (deceased 2006) *Contractual Pledge of Shares. Estate of: NANCY BUBEL Date of Death: 06/20/2009 Social Security Number: 040-26-5143 9 ~ ~~~ U"7-13{~ ~i9~-~~ EMBERS 1sT FEDERAL CREDIT UN N ~~ fie, ~v~---- ie a A. ine Insurance Services Specialist July 9, 2009 5000 Louise Drive P.O. Box 40 Mechanicsburg, Pennsylvania 17055 (800) 283-2328 wwwmemberslst.org 'METRO BANK 3801 Paxton Street Harrisburg • PA • 17111 mymetrobank.com 888.937.0004 October 8, 2009 Smigel, Anderson & Sacks, LLP. Attn: Joanne A. Bradley 4431 N. Front St. Harrisburg PA 17110 RE: Estate of: Nancy W. Bubel Tax Identification Number: 040-26-5143 Date of Death: June 20, 2009 To Whom It May Concern: s ~ ~-d~ This letter is in reference to decedent account information you requested for the individual listed above. We are able to provide the following: Account Type: Checking Account Number: 513089862 Date Opened: 08/05/1999 Primary Owner: Nancy W. Bubel Date of Death Balance: $799.35 Please feel free to contact me at (717) 412-6127 if I may be of further assistance. Sincer ly, l rte'`. ~: ._. Diana Reynolds -~ Metro Bank Research Associate/Deposit Services CICDIAV ~ CR DISPLAY AVAILABLE BANK 1678 ( FWD ) ACCOUNT NUMBER 02 15 BRANCH 0001 TYPE 0001 FREE CHECKING TITLE ANCY W B L STATUS FROZEN DATE OPENED ----r_" 06/00/06 ST DEPOSIT DATE/AMOONT 11/07/08 5,000.00 ENTER Y FOR L CURRENT BALANCE 260.05 ( N ) TOTAL HOLDS .00 ( N ) TOTAL FLOAT ,00 ( N ) CHECK CARD AUTHORIZATIONS .00 ( N ) TODAY'S ACTIVITY .00 UNAVAILABLE CREDITS TODAY .QO ACCRUED INTEREST .00 ( N ) NSF/OVERDRAFT ITEMS TODAY .00 ( N ) UNPOSTED ITEMS TODAY .00 OVERDRAFT LIMIT ,00 OD TRANSFER PROTECTION .00 MAINTAIN MIN BAL TRF PROTECTION 0 AVAILABLE BALANCE FOR: CHECK PAYMENT DECISIONS 260.05 CHECK CARD AUTHOR22ATIONS 260.05 ( N ) ADD SPECIAL INSTRDCTIONS OR MEMO POST TRANSACTIONS ~r VIEW SPECIAL INSTRUCTIONS-REQUEST HOLDS DETAIL. USE CRCHAC AND CRSAIN TO VIEW STANDARDS FOR CALCULATING AVAILABLE BALANCE. 6/Z ti06ti0Z6LZL ~ue8 R~~a6a~.uI W1~ LO~60 LI-LnC-6002 CIDYAP CI DISPLAY APPLICATION RELATIONSHIPS BANK 1678 ~ LST ) APPLICATION CHECAING ACCOUNT NUMBER 000000O2D1039915 NANCY W BUBEL SSN/TAx ID 090265193 S 3519 MARGO RD HOME PHONE 717-303^0461 CAMP HILL PA 17011-1543 DAY PHONE 71?-3D3-0961 ~- 1. PRIMARY OWNER NANCX W *BUBEL 2. SIGNATURE IMAGE 0001000003520500 f ) ENTER THE NUMBER OF THE CUSTOMER OR APPLICATION TO ACCESS 6/£ ti06bOZ6LIL ~uee ~C~i.~6a~.uI Wt~ L0~60 Lt-LnC-600Z . . Page: 1 Enclosures: 0 Statement Date: 07j10/2009 Account Number: 201018415 CYCLE-010 *************AUTO**5-DIGIT 17011 ifi7 0.5360 AV 0.335 1 1 167 ~llltll~~'II~III~~ililll[I"'~t1111''It~l~t~l'I'I[~~~t~'II"~I'II NANCY W BUBEL 3514 MARGO RD CAMP HILL PA 17011-1543 Checking FREE CHECKING ACCOUNT NUMBER 0201016415 PRSV=ovs sT~x~x~r a~xc$ as os oslioloe .. ...................... 2so.os PLUS 0 DEPOSITS AND OTHER CREDITS ................... .00 LESS 0 CHECKS AND OTHER D .. ................. .00 CURRENT STATEMENT BALANCE AS OF 0?/10/~ 0~ ....................... 2b0.05 NUMBER OF DAYS N THIS STATEMENT PERIO 30 • Balance By Di~te 0 6/ 1o z 60 . os ~~ Gt~C C -K-~-{--~-~ ,c~. -~.-e~~ ~Q_c~e.c.e~ cG~ ~l ~ ~~ ~/LdlO 6~b ti06bOZ6LIL ~ue8 ~C~.~.~6a~uI WV L0~60 LI-LnC-600Z 'CKREST ( LST ACCOUNT NUMBER 0201039415 CK REQUEST STATEMENT TITLE NANCY W HUBEL PREVIOUS STATEMENT BALANCE PLUS DEPOSITS AND CREDITS LESS CHECSS AND DEBITS CURRENT STATEMENT BALANCE NO TRANSACTIONS FOUND 116,858.53 DATE LAST .00 STATEMENT .00 126,858.53 BANK 1878 3TATEME T 06/20/09 PROCESS C 6/5 tr06trOZ6LIL ~ue8 ~f~~a6a~uI Wb L0~6O LZ-LnC-6O0Z 'CKbIAV CK DISPLAY AVAILABLE HANK 1878 ( FND ) ACCOUNT NUMBER 0201 BRANCH 0001 TYPE D005 MONEY MARKET TITLE CY N BU L STATUS FROZEN DATE OPENED 03/26/09 L 3T DEPOSIT DATE/AMOUNT 09/01/09 117,146.fi0 ENTER Y FOR -E ENT BALANCE ( N ) TOTAL HOLDS ( N } TOTAL FLOAT ( N ) CHECA CARD AUTHORIZATIONS ( N ) TODAY'S ACTIVITY UNAVAILABLE CREDITS TODAY ACCRDED INTEREST ( N ) NSF/OVERDRAFT ITEMS TODAY ( N ) UNPOSSED ITEMS TODAY OVERDRAFT LIMIT OD TRANSFER PROTECTION HAINTAIN MIN BAL TRF PROTECTION AVAILABLE BALANCE FOR: CHECK PAYMENT DECISIONS CHECK CARD AUTHORIZATIONS ( N ) ADD SP ECIAL ZNSTRUCTION3 OR HEMO POST TRANSACTIONS VIEFT SPECIAL INSTRUCTIONS-REQUBST HOLDS DETAIL. USE CKCHAC AND CKSAIN TO VIEQ1 STANDARDS FOR CALCULATING 116,658.53 .00 .00 .00 .00 164.82 ~,~ v 7 1 7/4 ~ .00 t ~ . 0 0 ~`J .00 .00 116,858.53 116,858.53 AVAILABLE BALANCE. 6/9 ti06trOZ6LIL ~ue8 ~C~ ~a6a~uI Wed L0 ~ 60 LI - LnC-600Z Sovereign Bank ESTATE OF Nancy W. Bubel SOCIAL SECURITY #: 040-26-5143 DATE OF DEATH: June 20, 2009 Account #: 0571135382 Type: Checking Open date: 5/3/1999 In the name of: Nancy Bubel Date of Death Balance: $10,818.83 Int.(YTD) from 1/1/2009 to 6/19/2009 $0.00 Accrued interest to date of death: $0.00 Other Info: Account #: 2335545238 Type: CD Open date: 1/13/2009 In the name of: Nancy Bubel ITF Mary Grace Boerio BENEF Gregory Bubel BENEF Date of Death Balance: $100,000.00 Int.(YTD) from 1/1/2009 to 3/31/2009 $574.84 Accrued interest to date of death: $623.34 Other Info: 1'~1WTI,t~L.iTcl fl~ 1 ~• i~13~, ~~i~ ~. ~ ~`~~. Page 1 of 1 (• JANUS ~{--0 July 16, 2009 SMIGEL ANDERSON & SACKS ATTN: JOANNE A BRADLEY 4431 N FRONT ST FL 3 HARRISBURG PA 17110-1778 REFERENCE: 01940023 Dear Ms. Bradley: This letter is in response to your enclosed request for information regarding Janus accounts registered to Nancy Bubel. The information provided below is unaudited. Date Fund/Account Number Transaction Share Price Shares Dollar Amount 06/20/09 38/202317449 Balance $1.00 8,532.370 $8,532.37 06/20/09 43/306072846 Balance $51.51 2,659.541 $136,992.96 Account 202317449 is registered as an individual non-retirement account in Nancy Bubel's name, and was established on November 8,1996. Account 30b072846 is registered as a Profit Sharing Plan for the benefit of Nancy Bubel, and was established on June 5, 2000. Additionally, no safety deposit boxes are held with our company, as we are a mutual fund company. Account 202317449 had no designated beneficiaries. Therefore, in order to re-register this account, Janus requires the following: 1. A completed Account Application from each individual who will receive proceeds from the account. If the account will be re-registered or redeemed to the estate, the enclosed Trust/Estate Account Application should be completed. 2. A certified copy of the Short Certificate or letters Testamentary, which name Gregory Mark Bubel and Mary Grace Boerio as the estate representatives. This document must bear original certification from the issuing court and be certified within the last 12 months. 3. A letter of instruction signed by Gregory Bubel and Mary Boerio. The letter must be signature guaranteed unless the account will be reregistered to the estate or the estate representatives' names alone. For account 306072846, the beneficiaries are Mary G. Boerio and Gregory M. Bubel, with 5045 each. Because Nancy Bubel was the Employer or Plan Administrator of the Nancy Bubel Profit Sharing Plan, we require the following to reregister accourrt 306072846: Funds distributed by Janus Distributors LLC, 151 Detroit St., Denver CO, 80206 ZAU1AN5011 1. A letter of instruction signed by the new Employer or Plan Administrator. This letter will also need to be signed by each beneficiary. 2. A copy of the corporate resolution, or other acceptable proof of the new Employer or Plan Administrator's authority to act on behalf of the plan. 3. Either, a Participant Information and Beneficiary Designation Form completed by each beneficiary if they would like to establish a decedent beneficiary Profit Sharing Plan. Or, a Janus Inherited IRA Individual Beneficiary Account Application completed by each beneficiary if they would like to establish a decedent beneficiary IRA. 4. A completed Janus Qualified Retirement Accounts Distribution From signed by the new Employer or Plan Administrator. This document must be signature guaranteed. A signature guarantee assists Janus in protecting its shareholders by financially guaranteeing the validity of the signature(s), and is a standard requirement for many financial transactions. A notarized signature does not offer the same warranties as a guaranteed signature and therefore cannot be accepted for this transaction. Janus encourages the beneficiaries and the Employer or Plan Administrator to contact a financial institution, such as a bank or broker-dealer, to have their signatures guaranteed for these requests. Please return the requested documents, along with a copy of this letter for our reference, in the envelope provided. Upon receipt, we'll proceed accordingly. If you have additional questions, please contact Janus at 800-5.25-3713. We're available Monday through Friday from 9:00 a.m. to 6:00 p.m. Eastern Time. Sincerely, .. ~: °s' .~ Anjuli Daniel Investor Services Enclosure(s): Copy of Original Letter of Instruction (Pg 7) Account Applications (2) Trust/Estate Account Application QP Participant Information Forms (2) Individual Beneficiary Acct Applications (2) Qualified Retirement Accts Dist Forms (2) Mar 02 10 07:20a p.2 ..v,, DISCAVER' March 2, 2010 Smigel Anderson & Sacks LLP Attorneys at Law Joanne A Bradley 717-234-3611 RE: Nancy Bubel Dear SirlMadam: Thank you for your recent inquiry. The following is the information you requested concerning the above referenced estate: Account Number ending in Account Type: Account Status: Account Title: Balance as of Date of Death: Current Balance: Current Rate: Maturity Date: Safe Deposit Box: 7665 Certificate of Deposit Open Nancy Bubel -Sale Owner No Payable on Death $51,935.17 $53,590.69 4.15% 06/24/2010 No Note: Interest is accrued daily and paid monthly. Due to interest being paid monthly, interest reporting for income tax purposes is based on interest paid. if you would tike to obtain additional information or have questions concerning your account, you may contact us by calling 1-800-347-7000 (TDD 1-800-347-7454). Our automated voice response system is available 24 hours a day 7 days a week or you may visit our Wets site at www.discoverbank.com. Account Managers are also available to personally assist you 24 hours a day, seven days a week. Sincerely, Deposit Products Customer Service Death Balance Letter PO Box 30416, Salt Lake City UT 84130-0416 FDIC .' T. ROWE PRICE INVESTMENT SERVICES, INC. July 16, 2009 Joanne A. Bradley Smigel, Anderson & Sacks LLP. Attorneys at Law 4431 North Front Street Harrisburg, PA 17110-1709 Subject: Estate of Nancy Bubel Dear Ms. Bradley: N^FI~N.TROW EPRICE.COM P.O Box '17435 Baltimore, haryland 21^<97-1435 4515 Painters h:1ill Road Qwin~s Miils, Maryland 21117-4903 Toll-free 300-225-7720. Fax 410-531 X129 Thank you for contacting T. Rowe Price Brokerage. This correspondence is intended to provide the information that you requested. The late Nancy Bubel owned two accounts at a T. Rowe Price, a Traditional IRA, and a transfer on death account. The Traditional IRA Brokerage account, COQ 108'109, was opened on November 21, 2006. The transfer on death Brokerage account, 30A237285, was opened on June 6, 2000. We are providing the values as of June 19, 2009, and June 22, 2009, because June 20, 2009, was not a business day. As of June 19, 2009, the value of Brokerage account 30A237285 was $1,064,297.05. As of June 22, 2009, the value of Brokerage account 30A237285 was $1,044, 571.42. As of June 19, 2009, the value of Brokerage account 30Q108109 was $98,250.51. As of June 22, 2009, the value of Brokerage account 30Q108109 was $95,282.14. I have enclosed spreadsheets that show how the balances were calculated. If you have any questions, please call a Brokerage representative at 1-800-225-7720. Representatives are available Monday through Friday from 8 a.m. to 8 p.m. ET. Sincerely, BROKERAGE T.Ro~wePlrice INVEST WITH CONFIDENCE iL 9N, July 14, 2009 Depository Institution: Capital One Bank (USA), N.A. Stuart S Sacks, Esquire Smigel, Anderson & Sacks 4431 North Front Street, Third Floor Harrisburg, PA 17110 Re: The Accounts of Nancy Bubel Dear Mr. Sacks, Thank you for your recent inquiry regarding Nancy Bubel's accounts. The information that you have requested is listed below. Account Type Account Number Accrued Interest Balance 6[20/2009 5~~6~5Q $3.66 $4,986.45 e Market 318 $97.1 ~ $ 102,457.56 Mon y 8305519515 Online Savings d 7/26/2005 01605Q_Individuai: Opened 4/21/2008 online at ation additional infor are available to 3285 dividua a obtain tatives Eastern 9yz5-fin pU m Y rese $ a m to 2 p.m•, S3~y52 7 eed assistanCe1 S88.g~ 0.4013'Satupday~ UeStjpll or n Or by ~alling0 to S p•m'' and oU have a q ed~re~t,co h Friday, $ a' If Y talon hroug I ~ r~p~ ~ i :I~ IIIN.i ~~ l~i'S G~ ESL, 80£0-S~ Z-60£Lb0 •panaasaa s;y6u pd •~~ew a~in~as papa;si6a~ ~(pe~apa; a si aup ~e;ides aup ~e;ides 6002®'~IUd ~agway~ 6u!~ue8;sand aup le~!de~ ~uap!sa~d a~!n an!~n~ax3 ~0l113 ~IaeW •aup le~!de~ 6u!sooy~ ao} no~(~ueyl •aua!1 u~a}se3 '•ua•d Z o~ 'ua•e g '~(epan~eS pue ''ua•d g o~ •ua'e g `~(epu~ yf noay} r(epuoW nog( ~s!sse o~ algel!ene a.ae sani~e~uasa~dad •F~O~-Ogg-ggg-~ 6u!Ile~ ~(q ao uao~•~~a~!pauole~! erMMM ~e auyuo uo!~euaao}u! {euo!~ippe u!e~go ,teua nog( 'aaue~s!sse paau ao uo!~sanb a aney not }~ 8002/lZ/b Pauadp -lenp!n!pul-SZ56Z550~8 SOOZ/9Z/L pauad0 -lenp!n!pu1-0509L058ZF 95'LSti"Z06 $ Ll•L6$ SZ56Z550£8 s6u!neS awlup 5ti'986'b$ 99•£$ 0509L058Z£ }a~ae~y I(auoW 6002 OZ 9 aauple9 ~saaalu~ pan~~~y aaquanN ~uno»d a~uno»y ~MO~aq pa~sg s! pa~sanba~ aney nog! ~ey~ uo!~ew~o}u! ayl 's}uno»e s,lagn8 ~(~ueN 6u!pae6aa iG!nbu! }ua~aa ~no~(ao} no~(~ueyl •s~aeS •aW aeaa _ p lagn9 ~(~ueN }o s~uno»d ayl :aa ']' ~I P ~,, ~~ ~~,,..-. 06 LL6 b'd '6angs!aaeH ~,~,~ aool~ p~!yl'~aaa~S ~uoad y~oN l£tib s~~eS ~ uosaapud 'la6!uaS aa!nbs3 `~I~eS S ~en~S 'b''N '(dSfl) ~ue9 aup le~!de~ :uo!~n~!;sul iGo~!sodaa 6002 "bl ~Inf ~~~d~, ,1~6- ~- ~-c~_ 7J Q ~~~~~ ~. 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