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REV-1 ~O Q Ex (06-05) OFFICIAL USE ONLY
PA Departrnent of Revenue
Bureau of Individual Taxes County Code Year File Number
PO BOX 280601 INHERITANCE TAX RETURN 2 1 D 9 D 9 4 6
Harrisburg, PA 17128-0601 RES[DENT DECEDENT
ENTER DECEDENT INFORMATION BELOW
Social Security Number Date of Death Date of Birth
1, 3-7 1 8 2 0 7 5 1 0 0 5 2 0 D 9 1 0 0 4 1 9 2 0
Decedent's Last Name Suffix Decedent's First Name MI
K R O N H E I M E L E A N O R S
(If Applicable) Enter Surviving Spouas'a Information Below
Spouse's Last Name Suffix Spouse's First Name MI
I 1505607121
Spouse's Socal Security Number
THIS RETURN MUST BE FILED !N DUPLICATE WITH THE
REGISTER OF 1N1LLS
FILL IN APPROPRIATE OVALS BELOW
Q 1. Original Return ^ 2. Supplemental Return ^ 3. Remainder Return (date of death
prior to 12-13-82}
^ 4. Limited Estate ^ 4a. Future Interest Compromise (date of ^ 5. Federal Estate Tax Return Required
death after 12-12-82}
® 6. Decedent Died Testate ^ 7. Decedent Maintained a Living Trust 8. Total Number of Safe Deposit Baxes
(Attach Copy of Will} (Attach Copy of Trust}
^ 9. Litigation Proceeds Received ^ 10. Spousal Poverty Credit (date of death ^ 11. Electlon to tax under Sec. 8113(A}
between 12-31-91 and 1-1-95) {Attach Sch. O)
Firm Name (If Applicable)
CORRESPONDENT -THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFUKMA I IUN 5i1UUW tit UIKEG I tU I U:
Name Daytime Telephone Number
M A R C U S A M c K N I G H T I I I 7 1 7 2 4 9 2 3.x.5 3
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REGISTER O -.-W ~ - USE ON~Y
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I R W I N 8~ M c K N I G H T, P C
First line of address
6 0 W E S T P O M F R E T S T R E E T
Second line of address
City or Post Office
C A R L I S L E
State Z1P Code ~
PA 1,7013
Correspondent's e-mail address:
Under penalties of perjury, ! declare that t have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief,
it is true, correct and complete. Dedaratbn of preparer other than tine personal cepresentaUve is based on all information of which preparer has any knowledge.
SIGNATURE OF P RESP~ 0~ SLE R ILIN~G ~ RN 1 ~ U ( DATE ~I ,.~ r~
ADDRESS
123 BLACKB~IRN ROAD ~ BASKING RIDGE ~ NJ 0792D
SIGNATURE OF ARI~R'dTAE }~ RE.+LME nDATE
WEST POMFRET
1505607121
CARLISLE
PLEASE USE ORIGINAL FORM ONLY
Side 1
17D13
1505607121
~-/ V
a
1505607221
REV-1500 EX Decedent's Social Security Number
~ecedent's{Vame: ELEANOR S• KRONHEIM 1 3 7 1 8 2 0 7 5
RECAPITULATION
1 0 ' 0 0
1. Real estate (Schedule A) ........................................ •
2 7 7 3 5 8 8. 2 0
2. Stocks and Bonds (Schedule B) .................................. .
3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) ..... 3. 0 • 0 0
4. Mortgages 8 Notes Receivable (Schedule D) ........................ 4. •
5 4 1 5 3. 5 4
5. Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E) ....... 5.
6. Jointly Owned Property (Schedule F) ^ Separate Billing Requested ....... 6•
7. Inter-Vivos Transfers & Miscellaneous Nan-Probate Property
(Schedule G) ^ Separate Billing Requested ....... 7. •
8. Total Gross Assets (total Lines 1-7) ........................... 8. 8 2 7 7 4 1. 7 4
9. Funeral Expenses & Administrative Costs (Schedule H) .......... ...... 9• 4 5 4 1 8 . 7 9
9 9 ( ) ......
10. Debts of Decedent, Mort a e Liabilities, & Liens Schedule I
...... 10. 2 9 6 1. 1 5
11. Total Deductions (total Lines 9 8 10) ..................... ...... 11. 4 8 3 7 9. 9 4
12. Net Value of Estate (Line 8 minus Line 11) ................... ...... 12• 7 ? 9 3 6 1. 8 0
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. 7 7 9 3 6 1. 8 0
TAX COMPUTATION -SEE INSTRUCTIONS FOR APPLICABLE RATES
15. Amount of Line 14 taxable
at the spousal tax rate, or
transfers under Sec. 9116
0
0
0
15
0.
0
0
.
(a)(1.2) x .0 .
16. Amount of Line 14 taxable 7 7 9 3 6 1
8 D 3 5 D 7 1. 2 8
.
at lineal rate X .045 16.
17. Amount of Line 14 taxable
0 0
0
17 0
• 0 0
at sibling rate X .12 .
18. Amount of Line 14 taxable 0 0 0 18 ~ • ~ 0
at collateral rate X .15
19 3 5 0 7 1. 2 8
19. Tax Due ......................................... ...... .
.
20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT Q
Side 2
1,505607221, 1505607221,
REV-1500 EX Page 3
Csecedent's Complete Address:
File Number
21 09 0946
DECEDENT'S NAME
ELEANOR S. KRONHEIM
STREET ADDRESS --
1 LONGSDORF WAY
CITY
CARLISLE STATE
PA ZIP
17013
Tax Payments and Credits:
~• Tax Due (Page 2 Line 19) (1) 35,071.28
2. Credits/Payments
A. Spousal Poverty Credit
B. Prior Payments _ 45,000.00
C. Discount 1,753.56
Total Credits (A + B + C) (2) 46, 753.56
3. Interest/Penalty if applicable
D. Interest
E. Penalty
Total Interest/Penalty (D + E) (3) 0.00
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) 11,682.28
5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (5) 0.00
A. Enter the interest on the tax due. (5A)
B. Enter the total of Line 5 + 5A. This is the BALANCE DUE. (5B) 0.00
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 : ...................................................................... ^ Q
b. retain the right to designate who shall use the property transferred or its income; ............................... ^ Q
c. retain a reversionary interest; or ................................................................................................ ^ 0
d. receive the promise for life of either payments, benefits or care? ....................................................... ^ Q
2. If death occurred after December 12, 1982, did decedent transfer property within one year of death
without receiving adequate consideration? ....................................................................................... ^ Q
3. Did decedent own an "intrust for" or payable upon death bank account or security at his or her death? ......... ^ Q
4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which
contains a beneficiary designation? .................................................................................................. ^ 0
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)
ti
SCHEDULE A
COMMONWEALTH OF PENNSYLVANIA REAL ESTATE
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
ELEANOR S. KRONHEIM 21 09 0946
All real 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 buy or sell, both having reasonable knowledge of the relevant facts.
Real property which is jointlyowned with right of survivorship must be disclosed on Schedule F.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1. 51 WEST CAMPBELL AVENUE, WEST LONG BRANCH, NEW JERSEY
APPRAISAL ATTACHED -PROPERTY VALUED AT $340,000.00
EXEMPT FROM PENNSYLVANIA INHERITANCE TAX
2. VACANT LAND - S.D.C.R. UNIT L-2 BLK 234 LOT 4951 - 5.02 ACRES
VALUED AT $10,500.00
EXEMPT FROM PENNSYLVANIA INHERITANCE TAX
TOTAL (Also enter on line 1, Recapitulation) ~ $ 0 00
(If more space is needed, insert additional sheets of the same size)
REV-1503 EX + (6-98)
SCHEDULE B
COMMONWEALTH OF PENNSYLVANIA STOCKS & BONDS
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
ELEANOR S. KRONHEIM 21 09 0946
All property jointly-owned with right of survivorship must be disclosed on Schedule F.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1. VANGUARD -ACCOUNT VALUE SUMMARY ATTACHED 712,275.06
2. CHEVRON - 492.7132 SHARES @ $68.78 PER SHARE _ $33,888.81 33,888.81
3. NEW JERSEY RESOURCES CORPORATION - 126.342875 X $35.05 PER SHARE = 4,466.55
$4,428.32
4. USAA INCOME FUND (USAIX) 7,732.70
$12.23 X 632.273 = $7,732.70
5. USAA TAX EXEMPT LONG-TERM FUND (USTEX) 15,225.08
$13.12 X 1,160.448 = $15, 225.08
TOTAL (Also enter on line 2, Recapitulation) I $ 773,588.20
(If more space is needed, insert additional sheets of the same size)
REV-1508 EX + (6-98)
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
SCHEDULE E
CASH, BANK DEPOSITS, & MISC.
PERSONAL PROPERTY
ESTATE OF FILE NUMBER
ELEANOR S. KRONHEIM 21 09 0946
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 VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1. FIRST FINANCIAL FEDERAL CREDIT UNION -CHECKING ACCOUNT 3,739.35
2. FIRST FINANCIAL FEDERAL CREDIT UNION -SAVINGS ACCOUNT 2,774.52
3. WACHOVIA BANK -CHECKING ACCOUNT 16,948.14
4. ARMED FORCES BANK, N.A. -CLASSIC ACCOUNT 24,958.59
5. USAA MONEY MARKET FUND 5,732.94
TOTAL (Also enter on line 5, Recapitulation) I $ 54,153.54
(If more space is needed, insert additional sheets of the same size)
REV-1511 EX + (10-06)
SCHEDULE H
COMMONWEALTH OF PENNSYLVANIA FUNERAL EXPENSES &
INHERITANCE TAX RETURN ADMINISTRATIVE COSTS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
ELEANOR S. KRONHEIM 21 09 0946
Debts of decedent must be reported on Schedule I.
ITEM
NUMBER DESCRIPTION AMOUNT
A. FUNERAL EXPENSES:
1. HOFFMAN-ROTH FUNERAL HOME 11,327.47
2. AMERICAN MONUMENT SERVICES -INSCRIPTION 320.00
3. FUNERAL LUNCHEON 268.43
B.
2
3
4
ADMINISTRATIVE COSTS:
Personal Representative's Commissions
Name of Personal Representative (s)
Street Address
City State
Year(s) Commission Paid:
Attorney Fees IRWIN & McKNIGHT, P.C.
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
Probate Fees REGISTER OF WILLS 452.00
5 Accountant's Fees
6. Tax Return Preparer's Fees PATRICIA A. ROSENDALE, CPA 300.00
7. REGISTER OF WILLS -FILING FEE 30.00
8. CUMBERLAND LAW JOURNAL -ESTATE NOTICE 75.00
9. THE SENTINEL -ESTATE NOTICE 198.16
10. NOTARY FEES 25.00
11. REGISTER OF WILLS -SHORT CERTIFICATES 24.00
12. STEVEN KRONHEIM -REIMBURSEMENT OF OUTSTANDING CHECK 89.95
13. 1-800 GOT JUNK -TRASH REMOVAL 3,728.40
14. REGISTER OF WILLS -EXEMPLIFIED RECORD OF WILL 40.00
15. OVERNIGHT MAIL 23.38
16. M&T BANK -WIRE TRANSFER FEE 17.00
TOTAL (Also enter on line 9, Recapitulation) $ 45.418.79
Zip
28, 500.00
(If more space is needed, insert additional sheets of the same size)
REV-1512 EX + (12-03)
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
SCHEDULE I
DEBTS OF DECEDENT,
MORTGAGE LIABILITIES, & LIENS
ESTATE OF FILE NUMBER
ELEANOR S. KRONHEIM 21 09 0946
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
1. CUMBERLAND CROSSINGS -NURSING 1,600.19
2. CONTINUING CARE RX -MEDICAL 72.49
3. INEW JSERSEY AMERICAN WATER -WATER UTILITY
4. ITWO RIVERS WATER -SEWER
5. ILORRAINE C. MEDINA, COSTILLA COUNTY TREASURER -REAL ESTATE TAXES
COLORADO PROPERTY
6. IPA DEPARTMENT OF REVENUE -INCOME TAX
TOTAL (Also enter on line 10, Recapitulation) I $
(If more space is needed, insert additional sheets of the same size)
446.81
180.00
205.66
456.00
2.961.15
REV-1513 EX + (9-00)
SCHEDULE J
COMMONWEALTH OF PENNSYLVANIA BENEFICIARIES
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
FILE NUMBER
ELEANO R S. KRONHEIM 21 09 0946
RELATIONSHIP TO DECEDENT AMOUNT OR SHARE
NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE
I TAXABLE DISTRIBUTIONS [include outright spousal distributions, and transfers under
Sec, 9116 (a) (1.2)]
1. STEVEN R. KRONHEIM Lineal 259,787.27
123 BLACKBURN ROAD 1/3 REMAINDER
BASKING RIDGE, NJ 07920
2. JUDITH C. BLACKMAN Lineal 259,787.27
51 WEST CAMPBELL AVENUE 1/3 REMAINDER
WEST LONG BRANCH, NJ 07764
3. P. BRUCE KRONHEIM Lineal 259,787.26
109 SUSAN LANE 1/3 REMAINDER
CARLISLE, PA 17013
ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18, AS APPROPRIATE, ON REV-1500 COVER SHEET
II. NON-TAXABLE DISTRIBUTIONS:
1. A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAXIS NOT BEING MADE
1. 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
OF
ELEANOR S. KRONHEIM
DATED 1'~_, 2002
PITNEY, HARDIN, KIPP & SZUCH LLP
125 Half Mile Road, Suite 203
Red Bank, NJ 07701
ORIGINAL HELD AT
PITNEY, HARDIN, KIPP &SZUCH LLP
WILL VAULT - FLORHAM PARK OFFICE
LAST WILL AND TESTAMENT
OF
ELEANOR S. KRONHEIM
I, ELEANOR S. KRONHEIM, of West Long Branch, Monmouth
County, New Jersey, do make, publish, and declare this to be my
Last Will and Testament, hereby revoking all prior Wills and
Codicils.
ARTICLE FIRST
Debts and Expenses
I direct that all of my legally-enforceable debts
(other than debts, if any, secured by mortgages of real estate
or any loans against life insurance policies), my funeral
expenses, expenses of my last illness, and c:osts of
administering my estate be paid as soon as practicable after my
death.
ARTICLE SECOND
Disposition of Certain Properties
I may give certain items of my tangible personal
property in the manner set forth in a separate writing, either
in my handwriting or signed by me. To the extent not disposed
of by such a writing, I give all of my tangible personal
property, including but not limited to articles of household or
personal use or adornment, household furniture and furnishings,
and motor vehicles, to my children, JUDITH K. BLACKMAN, P. BRUCE
KRONHEIM and STEVEN R. KRONHEIM, who survive me in as nearly
equal shares as my executor, in his or her di.scretion-
determines to be practicable. All expenses of safekeeping,
insurance, and distribution of my tangible personal property
shall be proper administration expenses of my estate.
ARTICLE THIRD
Taxes
All estate, transfer, inheritance (both direct and
compromise), and other taxes or charges, including any interest
and penalties, assessed by reason of my death with respect to
any property, whether or not passing under this Will
(hereinafter referred to as "death taxes") , shall be paid by my
executor from my residuary estate, without allocation or
apportionment against any share or interest therein, and without
reimbursement for, recovery of, or contribution toward such
payment by the recipient of such property.
ARTICLE FOURTH
Disposition of Residuary Estate
I give my residuary estate (which in this Will shall
exclude any property over which I may possess a power of
appointment) to my children, JUDITH K. BLACKMAN, P. BRUCE
KR.ONHEIM and STEVEN R KRONHEIM, in equal shares. If any child
of mine predeceases me, child's share shall be distributed to
his or her descendants who survive me, per stirpes, subject to
ARTICLE FIFTH, or, if there are no such descendants, such
- 2 -
deceased person's share shall lapse so as to increase
proportionately the other shares.
ARTICLE FIFTH
Distribution to Persons Disabled or Under Age Twenty-One
A. If any assets are distributable to any person who
is under the age of twenty-one (21) years or to any person who
is disabled (as defined in this Article), then, although
ownership of such assets shall vest immediately and inc~efeasibly
in such person, (i) the executor or trustee, in his or her
discretion, may make such distribution directly to such person
or to a parent, guardian, conservator, custodian under a
transfers-to-minors act, legal representative, or any other
entity or individual on behalf of such person, or (ii) the
executor may distribute such assets to the trustee, or the
trustee may retain such assets, and the trustee shall administer
the assets distributed to or retained by him or her in
accordance with the provisions of Paragraph B of this Article.
The executor or trustee shall have no further duty with respect
to any funds so paid, provided that due care was exercised in
the selection of the person to whom such funds were paid..
B. The trustee may distribute from time to time to
such person such amounts of the net income and/or principal as
the trustee, in his or her discretion, deem advisable for the
health, education, support, and maintenance of such person. The
trustee shall distribute any balance remaining to such person
when such person reaches the age of twenty-one (2~1) years and is
no longer disabled. If such person dies before complete
- 3 -
distribution of the property held in trust f or such~~ person' s
benefit, the balance shall be distributed to the executor or
administrator of such person's estate.
C. Receipt by the distributee of any distribution
authorized by this Article shall constitute a complete discharge
and release of the executor with respect to such distribution.
D. For purposes of this Article, "disabled" means
that such person, by reason of physical or mental impairment, is
unable to attend properly to the normal duties and
responsibilities required in the prudent management and
protection of property. The executor may, but sha]_1 not be
required to, rely on the written opinion of a licensed physician
to determine whether a person is disabled.
ARTICLE SIXTH
Fiduciaries
A. Executor and Trustee. I appoint my son, STEVEN R.
KRONHEIM, executor of this Will and trustee of any trust created
hereunder. If for any reason he fails to qualify or ceases to
act as executor and/or trustee, I appoint my daughter, ~TUDITH K.
BLACKNIAN, as executor and trustee. If for any reason she fails
to quality or ceases to act as executor and/or trustee, I
appoint my son, P. BRUCE KRONHEIM, to act as executor and
trustee.
B. Resignation. Any individual fiduciary acting
hereunder may resign from office without leave of court at any
time and f or any reason by f i 1 ing a written instrument of
- 4 -
resignation in the office or court where this Will has been
admitted to probate, provided that adequate arrangements exist
for the continuance of the resigning fiduciary's dutiE~s, either
by the continuing administration of a co-fiduciary or by the
appointment of a successor or substitute fiduciary.
C. Disability. Any fiduciary who becomes disabled
shall be deemed to have resigned as fiduciary. For purposes of
this Paragraph, "disabled" means that, in the written opinion of
a licensed physician, the fiduciary, by reason of physical or
mental impairment, is unable to carry out the duties of his or
her office.
D. No Inventory; No Bond or Surety Thereon.. I direct
that no fiduciaries acting hereunder, however appointed, shall
be required to file an inventory of my estate, or to post or
file any bond for the faithful performance of their duties. If,
notwithstanding the foregoing direction, any bond is rE~quired by
law, statute, or rule of court, no sureties shall be required
thereon.
ARTICLE SEVENTH
Powers
The fiduciaries hereunder shall have all t:he powers
hereinafter set forth, which are intended to be in addition to
and not in limitation of the powers above provided and those
conferred by law and which may be exercised in the fiduciaries'
reasonable discretion without the permission or order of any
court: (A) to retain, invest, and reinvest without duty to
diversify and without being limited to investments authorized by
- 5 -
law; (B) to sell, lease, exchange, abandon, or otherwise deal
with and dispose of both real and personal property in such
manner and upon such terms and conditions as they may deem
advisable, including public or private sale; (C) to hold
property in bearer or nominee form; (D) to borrow, and to pledge
or mortgage property as security; (E) to employ and compensate
agents and advisors; (F) to determine which assets shall be sold
and which shall be distributed in kind, without notice to or
consent by any beneficiary, and to make distributions in cash or
in kind or partly in each, pro rata or non pro rata, in divided
or undivided interests, without adjustments for diffez:•ences in
tax bases; (G) to exercise, without adjustments among
beneficiaries, any election available under the provisions of
the Internal Revenue Code or of any other tax law; acid (H) to
deal generally with property in the same unrestricted manner as
I might do as the outright owner thereof.
ARTICLE EIGHTH
Miscellaneous
A. Perpetuities Savings Provision. At the time of
the execution of this Will, there is no common law rulE~ against
perpetuities in force in the State of New Jersey. Nevertheless,
and anything herein to the contrary notwithstanding, if any
trust established hereunder should become subject to a common
law rule against perpetuities or any statutory rule against
perpetuities or other statutory provision that limits the
duration of trusts, then unless sooner terminated puz•suant to
the terms of this Will, such trust shall terminate on the last
day necessary to avoid violation of such rule against
perpetuities or such statutory provision. If such rule or
statutory provision is required to terminate within a period of
time determined by reference to a class of persons, such period
shall be the maximum period permitted by referencE= to my
descendants living at the date of my death. Upon such
- 6 -
termination, the entire balance remaining in such trust shall be
distributed to the current income beneficiary of such trust or,
if more than one person is a permissible current income
beneficiary, in equal shares to all such income beneficiaries
(whether or not then receiving income in equal shares).
B. Family Relationships.
(1) Adopted Persons. A person adopted while a
minor (but not while an adult) and his or her descendants shall
have the same rights and interests under this Will as if the
adopted person were the natural child of the person by whom
adopted.
(2) Persons Born Out of Wedlock In construin
this instrument, an individual bor
parent is not to be considered the
the individual lived while a mino
household of that natural parent
parent, brother, sister, spouse, or
g
n out of wedlock to a natural
child of that parent unless
r as a regular member of the
or of that natural. parent' s
surviving spouse.
C. Survivorship. If any beneficiary does not survive
by ninety (90) days either me or any other person upon whose
death the rights of such beneficiary depend, then foz: purposes
of administering my estate other than disposing of my tangible
personal property, such beneficiary shall be deemed to have
predeceased me or such other person.
D. Discretionary Payments of Income or Distributions
of Principal. In exercising the discretion conferred upon them
to pay the income or principal of any trust hereunder, the
trustee may, but shall not be required to, take into
consideration any other resources the beneficiary may have. Any
individual serving as a co-trustee shall not participate in any
decision by the trustee, acting in his or her discretion, to
distribute income or principal to or for his or her benefit. In
no event may an individual serving as a trustee exercise
discretion in order to discharge his or her legal oblig<~tions.
E. Spendthrift Provision. To the extent permitted by
law, no interest in any trust created under this Will., whether
in income, in principal, or in both, shall be subject to
anticipation, commutation, hypothecation, pledge, assignment,
sale, transfer, or alienation in any manner; nor shall any
beneficiary have the power to charge or encumber any such
interest; nor shall any such interest be in any manner liable
- 7 -
t
for or subject to the debts, contracts, lia;bilities-
engagements, torts, obligations of any beneficiary, or claims
against any beneficiary. This provision is intended to prevent
both voluntary and involuntary alienation of trust income and
principal.
F. Trustee's Discretionary Termination of: Trust.
Notwithstanding any other provisions hereof, the trustee shall
have the discretion (without the permission or order: of any
court) at any time to terminate any or all trusts created
hereunder if, in the trustees' judgment, the value thereof is
insufficient to warrant the costs and inconveniences of
continued administration or if continued administr<~tion is
otherwise impractical. Upon such termination, the entire
balance remaining shall be distributed: to the current income
beneficiary of such trust; or, if more than one person is a
permissible current income beneficiary, in equal shares to all
such income beneficiaries (whether or not then receiving income
in equal shares) : In making such a j udgment , the tru~~tee need
not consider the interests of other beneficiaries, and such
other beneficiaries' interests. in the trust shall cease upon
such determination by the trustee. This power and discretion
may not be exercised by any trustee who is a current income
beneficiary of such trust or who has been appointed by or has a
legal obligation to support any such beneficiary.
G. Accountings. My fiduciaries shall rE~nder an
accounting of proceedings hereunder upon distribution of the
assets of my estate or the termination of any trust hereunder or
at any other time the fiduciaries deem such accounting
advisable. The written approval or waiver of such accounting by
all persons who are then living and competent and who are
beneficiaries of my estate or any such trust shall be final and
binding upon all beneficiaries (whether or not then living or
then ascertainable) and shall fully discharge the fiduciaries as
to all acts and transactions shown in the account. The
foregoing is not intended to empower any such consenting
beneficiary to enlarge or shift any of the beneficial :interests
in my estate or in such trust assets. Nothing herein shall
preclude the fiduciaries from submitting any account to a court
for judicial settlement.
H. Administrative Situs. The trustee of any trust
hereunder may, at any time and from time to time, by written
instrument, declare that such trust shall from the date of such
declaration, or from a date stated in such declaration, have its
- g -
administrative situs and be administered under the laws of such
other jurisdiction as the trustees, in their discretion,
determine . Thereafter, the laws of such other j uz-isdiction
shall govern the administration, but not the validity or
construction, of such trust. The trustee may initiate judicial
proceedings as they deem necessary or desirable to accomplish
such change.
ARTICLE NINTH
Definitions and Explanations
A. "Pay" or "Distribute." Any direction or
authorization herein to "pay" or "distribute" income or
principal to any beneficiary shall be deemed satisfiE;d by the
application of such income or principal for the benefit of such
beneficiary.
B. "Fiduciaries." Any references to "fiduciaries"
herein shall include executors, administrators C.T.A., trustees,
and successors thereto.
masculine
includes
requires
C. Gender and Number.
gender includes the
Throughout this Will, the
feminine, and the singular
the plural, and vice versa, unless the context clearly
otherwise.
D. "Per Stirpes." For purposes of this Will,
distribution to a designated person's descendants "per stirpes"
means that the property to be distributed shall be divided into
as many equal shares as there are (i) surviving children of such
designated person and (ii) deceased children of such designated
person who have left surviving descendants. Each surviving
child shall be allocated one share. The share of each deceased
child leaving surviving descendants shall be divided in the same
manner, with subdivision repeating at each succeeding generation
until the property is fully allocated among surviving
descendants. For these purposes, an individual who is deceased
and has not left surviving descendants shall be disregarded, and
an individual who leaves a surviving ancestor wlZO is a
descendant of the designated person shall not be entitled to a
share.
- 9 -
E. Headings. Article and paragraph headings in this
Will have been included only to help the reader locate general
subject matter that may be covered in each Article or paragraph.
The headings are not intended to be definitive or substantive or
to affect the meaning of the provisions of this Will.
IN WITNESS WHEREOF,
Testament this f'~'.~~ day of
I have executed this Last. Will and
,~
v f~cu.~/`~ . 2 0 0 2.
ELEANOR S. KRONHEIM
The foregoing instrument was SIGNED, PUBLISHED, and
DECLARED in our presence by and as the Last Will and Testament
of ELEANOR S . KR.ONHEIM, upon whose request and in whosE~ presence
and in the presence of each other we thereupon subscribed our
names as witnesses.
• eliding at
-.
;;.~- residing at
.~-~
- 10 -
STATE OF NEW JERSEY )
COUNTY OF MONMOUTH )
SS..
I, ELEANOR S. KRONHEIM, the testator, sign my name to
this instrument this % ~-~•~i day of ,.~.,~.~ 2002, and,
being first duly sworn, do hereby declar~o the undersigned
authority that I sign and execute this instrument a.s my last
Will and that I sign it willingly (or willingly direct another
to sign for me) , that I execute it as my free and voluntary act
for the purposes therein expressed, and that I am 18 years of
age or older, of sound mind, and under no constraint: or undue
influence.
~ `~
ELEANOR S. KRONHEIM
We , ~`~.o~~, ~ ~ ~-~ c ~ and LUG. ~.,n , ~ 5 the
witnesses, being first duly savor do each hereb declare to the
undersigned authority that the above-named person, ELEANOR S.
KRONHEIM, signs and executes this instrument as such person's
last Will and that such person signs it willingly (or willingly
directs another to sign for such person), and that each of us in
the presence and hearing of such person and each other hereby
signs this Will as witness to such person's signing, and that to
the best of our knowledge such person is 18 years of age or
older, of sound mind, and under no constraint or undue
influence.
/~f
WITNES
WITNESS
Subscribed, sworn to, and acknowledged before me by
ELEANOR S. KR.ONHEIM, and subscribed and sworn to before me by
2002 above-named witnesses, this ~'~-I-ti day of ~c,,,,~;,.`~~ ,
~- ~ ~
,~o~r,~~ j ~ -~~. ~ OF TJE`~l `ERSEY
- 11 -
_.:;v a riY I3Ai~
~~~LIC OF NEB 9,EYtSh'~
~~ ~.:~nmissiot~ Expires AR3y H9, 2005
d -~
Page > 1 of 1
~-
V~nard~
Eleanor S. Kronheim r `e`;~t 0. ~ 0 ~,
~:, uV .r dt~ a s .nG ~ J~ ~ i W v1
109 Susan Ln Flagship Services: 800-345-1344
Carlisle, PA 17013-1066 Ivan Brown extension 15465
Total report value: $712,452.56
(Total report value includes any accrued dividends.)
~_ ~.'~' S ,at :~~i,'. A ~,.ii ^~ ?.~!y ,.+s~, _ 'r +. - :AC'S ~ 1 r '7 ~ t i ~.. ~ r.13 'r7R. r+,^c ";
Eleanor S *1~'ron eim tlndivi ualAoco',riff--' T' `:, 1 ~ . ~>;~ <i , ~ ~ ~ h f ~ +',,;,~, , :~~ f, ;f ~`
~~ n6.- s.. 'aii:i. 7i'...;aec '~3, ~~- ! E:'" 2e~ 's ~J :..'Er~ZA {..e..
+f~7.o.T T.'.'4:'Z r^~^ ~~: Y~. ~..-w kZ:~ Zi z!-araea}^w~~C ^ww •7ee. ~<-~,...~.v~ ~. .M o m ~ ~ ..rod-.-,e
~ wy.t, ~...r.. ,b .:: °.±WM~€bi.-.Y.';> r ` 7 i ~ A .vi :'fin. ..-,m''.' -~r .5. rw.."#~'.'~,. t.Yl,; :.~i ~ ...t'gs ~~:~~ . ~'~s..Y ,y ., :o-L .. h:IL-~yd ~4e"'~~Y.'~ '4~'r `ff: x -: +si-Xw,TM .n :! a;
-/'1 '"A~ ~ n ~. ~ ^ f, :'t b .- `~t'" r . ~:., ~ ,u.'x :e~~ ¢ j.~~ i ~ 2~f ~ a~,Qi:;. ~.gc~ ~ sX`} -~ . ~ ~ ~.'~'t ~.v" 'iY}~ uYri ri'ia _,~.. ~. ,~1 ~; .t .. ti~ .. ~,:
\iW ~,.~~~ ~ a 4 - x c - 3 .r+. ~ )1, £.. rr ~~4.. r .~ t.. F` ~ ~ £'i ~y. ~ ^ ~.9, ! ~,~~ cC Y ~;1, :e . 7+tr't~ T
~' ~. ~}J~~ ~c i. ~ ~ ,4..! :.~. T;. y. 7 .. :.: ( ~.: ~ ~ ~ +, t c?: ,..u? ~ ~~.~~ ..r.~ ~ i~ S. r .C~F.~Nt.o ~1 ,; . ~ C ~nr .f.. ' .S~ ~.. 'ti~~{:: ~t F .iJ
~.. ~ ,.
..:: ;: U:.~....L~2~t.x{.yY~tl. AvL1....>,. ..etc..d~n:.,...i..~.. ... lu.~.a. ... ai. .~ ...x-.. :5~ aG ;M.t:~<..:.:.w~...e...'J... L.,,.:+slrrk _, _Z,., .... ,.Fe! . ? " ~ ?t
_ ~ K~ .;s~e. _. -i.h~w vF~--.,.,h. K.w:..,^... ~u...... .i'Re:Le+,. s l:Y.R ,.y :i. T~~f.~ )~ G•
Name Fund & Accauat Date Price Per Accrued
.
.
Number
Opened. ~
-Shares
Share
~ .Value'
.
.
Dividends:;:.
Long-Term Bond Index 0522-09951796684 05/09/2007 11,649.660 $12.10 $140,960.89 $95.97
.Total Bond, Mkt Index Inv.:=' ,.
0084 ;09951796684 __ ,:
05/09/2007 ,
0 OQ0
$:10:47
$0 00;
; $0:00.:..
Total Bond Mkt Index Adm 0584-09951796684 05/19/2009 12,957.434 $10.47 $135,664.33 $72.61
500 Intlex Fund Adm 054Q' 09951796684 03/21./2005 1,122.161 ~ $
95.93
' $107,Ei48 90
' -
Prime Money Mkt Fund
- 0030-09951796684 10/26/2001 328,000.940 $1.00 $328,CI00.94 $8.92
,:
..
. ~,.....~. ; ~...,,, .,,,,.~.,,.a a:.,;,.,.,..a..
Totals..,... '$712;775 06',
,.
:. -$177:50
1719311054 '10/14/2009 14:35:40
~ ~
October 20, 2009
ESTATE OF ELEANOR S KRONHEIM
109 SUSAN LN
CARLISLE PA 17013-1066
Dear Executor:
Vanguard'
Vanguard Flagship ServicesT"'
P.O. Box 1103
Valley Forge, PA 19482-1103
www.vanguard.com
We are responding to the letter we received notifying us of the death of
Eleanor S. Kronheim and requesting a valuation of her Vanguard account on
October 5, 2009. First, please accept our condo{ences for your loss. The
information requested is included on the enclosed account value report.
If you have any questions, please call me at 800-345-1344, Ext. 5465, on
business days from 8 a.m. to 10 p.m. or on Saturdays from 9 a.m. to 4 p.m.,
Eastern time. If I'm unavailable, you can speak with another representative, or
you can leave me a voice mail and I'll call you back.
Sincerely,
Ivan R. Brown
Registered Representative
Enclosure(s): ** Eleanor S. Kronheim -Individual Account Value Report
51312469
ter Igo U
F987 122007
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CVX: Historical. Prices for CHEVRON CORD -Yahoo! Finance rage .t U1 ~
Hi, Karen 'Sign Out Help Stay Safe, Get Y! Yahoo! Mail
Toolbar
~~;,~~~~~- ~~~~~s Search Web Search
DOW ~- 1.24% Nasdaq ~• 1.42% Fri, Jan 15, 2010, 2:48PM ET - U.S. Markets close in ihr 12mins
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Chevron Corp. (CVX) At 2:33PM ET: 78.6:1 ~ 0.90 (1.13%)
___ __ . __
r ~ _......-u~. ~.k..,x~..~.~~.
--~ , ': AIYE~~'
a~ '~ - ~ `E*TRARE SE~URITIES,L~,C ~, ,~. _ , ~`
Historical Prices Get Historical Prices for:'. GO
......................... .
SET DATE RANGE ADVERTISEMENT
Q Daily
Start Date: Oct 5 2009 Eg. Jan 1,
2003 ~ Weekly
End Date: Oct : ~~ ~ 5 ! 2009 ~ Monthly
,;
_ _ __ _.... ~~ Dividends Only
Get Prices.
First ~ Prev ~ Next ~ Last
PRICES
Date Open High Low Close Volume Adj
Close*
5-Oct-09 68.27 69.80 67.87 69.39 9,777,800 68.78
* Close price adjusted for dividends and splits.
First ~ Prev ~ Next ~ Last
~~~ Download To Spreadsheet
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Get Historical Prices for Another Symbol: GO Symbol Lookuo
http://finance.yahoo.com/q/hp?s=CVX&a=09&b=5&c=2009&d=09&e=5&2009&g=d 1/15/2010
NJR: Historical Prices for N J RESOURCES CP -Yahoo! Finance
Page 1 or ~
Hi, Karen ;Sign ~?~It ~~ Help Get Yahoo! Toolbar Yahao! ~ Mail
~~.,,,,~~ ~~ ~ ~ N ~ ~ Search ~ Web Search
DOW +~ 0.94% Nasdaq ~ 1.24% Fri, Jan 15, 2010, 4:08PM ET - U.S. Markets closed
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New Jersey Resources Corp. (NJR)
l ` ni±a~l~lnrnlai~.
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Historical Prices
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At 3:53PM ET: 37.~Qi ^~- 0.37 {0.99%)
~~~ ~ . ~
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Get Historical Prices for: ' GO
........................... .
ADVERTISEMENT
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Start Date: Oct 5 ' 2009 Eg. Jan i,
2003 ~ Weekly
............................ ......................................
End Date: Oct ' '' 5 12009 Monthly
Dividends Only
Get Prices
First ~ Prev ~ Next ~ Last
PRICES
Date Open High Low Close Volume Adj
Close*
5-Oct-09 35.59 35.75 35.22 35.37 180,400 35.05
* Close price adjusted for dividends and splits.
First ~ Prev ~ Next ~ Last
?' Download To Spreadsheet
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Get Historical Prices for Another Symbol: G~ Svmbol Lookup
• Stock Screener Splits
http://finance.yahoo.com/q/hp?s=NJR&a=09&b=5&c=2009&d=09&e=5&2009&g=d 1/15/2010
Page 1 of 2
New Jersey
Resources
~ Y
^ -
_.
007740
~~I~II~~~I~~I~~~~~'II'II~I1111~1~~~~~~1~'~~~1~1~11~1~1~~~11~~~~1~
ELEANOR S KRONHEIM
109 SUSAN LANE
CARLISLE PA 17013-1066
~omputershare
Computershare Trust Company, N.A.
PO Box 43078
Providence, RI 02940-3078
Telephone: 800 817 3955
www.computershere.com/investor
New Jersey Resources Corporation is incorporated
under the laws Hof the State of NJ.
Holder Account Number
00000156965
SSNITIN Certified Symbol
Yes NJR
001 CS0006_RPS.DL.N]R.133245_33329/007740/007740/i
It is important to retain this statement for tax reporting purposes, and for use as a reference
when you access your account online at our website or when contacting Computershare.
Save time. Be more secure. Help the environment. Manage your holdings at Investor Centre!
It is easy and free, so get started now at www.computershare.com/investor
Holder Account Number: 00000156965
a
- ACCOUNT SUMMARY As of close of stock market on 04 Jan 2010
Stock Class Certificated Sharesl ~ Direct Registratil5n Investment Plan Total` Closing Price Market
. ,
Description
Units Heid by You
~ Book.SharaslUriits ; ..
Book ShareslUnits
ShareslUnits ;
Per SharelUnit ($)
° VaIGe ($)
DSPP -Common Stock 0.000000 0.000000 128.583605 128.583605 37.890000 4,872.03
Dividend Reinvestment Activity As of record date
This section includes information only for shares/units for which dividends are reinvested.
Record Payment ' Dividend Siock Ciass ' uiviaend Keinve5tmeni ' 3ross ' Taxes ' iJet
Date I Date I Rate ($) ~ Description I ShareslUnits I Dividend ($) I Withheld ($) I Dividend ($)
15 Dec 2009 04 Jan 2010 0.340000 Common 127.433658 43.33 43.33
Transaction History From: 01 Jan 2010 To: 04 Jan 2010
This section pertains only to book-entry shareslunits.
Transaction I Deduction I
Transaction
D
t Deduction ( Net I Price Per ( Transaction ( Total Book
I
e I
a
Description Amount ($) Description Amount ($) Amount ($) SharelUnit ($) ShareslUnits ShareslUnits
Plan Transactions DSPP -Common Stock
Balance Forward 127.433658
04 Jan 2010 Dividend Reinvestment 43.33 43.33 37.680000 1.149947 128.583605
OOTPPA
//
-(` ~ D
USAA®
03477. T6X.JSS21497643.06.01.3066
ELEANOR S KRONHEIM
109 SUSAN LN
CARLISLE PA 17013
On the go? Take USAA with you.
Manage your USAA accounts from your mobile phone with
USAA's mobile access. Now you have access to your
accounts no matter where you are, even if you're not near a
computer. Use the browser on your phone and log on to
mobile.usaa.com today.
Portfolio summary
~a~
Portfolio value S 27 , 052.71
June 30, 2009
Earnings 308.23
Earnings paid in cash -298.63
Change in market value 1 , 670.59
Total portfolio value $28, 732.90
September 30, 2009
~~~ i ~~l ~~. - ~~
~ h 1
Unrealized gain/(loss) $(239.60)
Gain/ (loss) on your current portfolio is only informational
and should not be used for tax reporting.
Investment Statement
July 1 to September 30, 2009
USAA Investment www.usaa.com
Management Company Customer service 800-531-8181
P.O. Box 659453 USAA Touchlines 800-531-8144
San Antonio, TX 78265
ELEANOR S KRONHEIM
Member number 005378789 Member since 1955
Hope is not a strategy!
In recent weeks, the market has shown positive signs of life.
Don't be sitting on the sidelines and miss the turnaround. Get
moving by calling 800.531.0853 to determine how to best
handle today's market.
$32,00
$24,00
$~s,oo
$s,oo
2005 2006 2007 2008 2009
~~s °~ ~~
ha~~ .~ ~- ~=~.~Li~ t~
Annualized total return 10.9396
The total return is the annualized percentage change in the value
of your portfolio.
~' f~ '`t....<`i:~ ~~;:'''„ ~'~~ ::;ti~~ ~; Vii;:.'
Value on 96 of
September 30, 2009 portfolio
Taxable Bonds and CDs S 7 , 751.67 26.98
Tax Exempt Bonds 15 , 248.29 53.07
Cash/Money Market
Funds 5 , 732.94 19.95
Total portfolio value $28, 732.90 100. 0096
Cash/Money Market Fun '~~`
` <<
~r.~
.~
Tax; Exempt Bonds
Taxable Bonds and CDs
Please review this statement carefully and notify us within 10 days of any
errors or omissions. For details on the information in this statement, see
"About Your Account".
D~~
~5~,~ ~
•
` USAA®
ii~ ` yy~
....: ~l'rer%i!~ ..di
........~~~::::~~ ...• ... ~ ... Y:::i:
::":
R4.
..~. .
._;
This period Year to date
Portfolio value 527, 052.71
June 30, 2009
Earnings 308.23 5918.92
Earnings paid in cash -298. 63 -874.48
Change in market value 1 , 670.59
Total portfolio value $28, 732.90
September 30, 2009
Portfolio Summary ~
July 1 to September 30, 2009
Page 2 of 7
~...~
......
. ......:....:....................
... ~Il~'.... ~~rl'~'II~l.. ~:„
....._ ........_.........._~1'_....._.._ .........................._.._~''.~. .
_,..
This period Year to date
Taxable dividends S 1 17.36 S342.86
Tax exempt dividends 190.67 576.06 .-
Total $308.23 $918.92
These earnings are subject to adjustment after year end and
should not be used for tax reporting.
October 2009 November 2009 December 2009 January 2010 February 2010 March 2010
Dividends from mutual
funds 599.23 599.23 599.23 599.23 S99i.23 599.23
Estimates are for planning purposes only and should not be used for any other purpose and are not projections or
guarantees of future payments.
Fund Account Value on Value on Portfolio
Paae code number June 30. 2009 September 30 2009 Percent
USAA Money Market Fund 3 0042 42904606692 5, 723.34 5, 732.94 19.95
USAA Income Fund 4 0040 40901927327 7 , 334.37 7 , 751.67 26.98
USAA Tax Exempt Long-Term
Fund 6 0043 43901 167294 13, 995.00 15, 248.29 53.07
$27,052.71
$28,732.90 100.00
M.OOOT6X.003066.0006.0001.0.8. Z. OOOOJSS21497643.INP.USAA.D091001.T1648.JIN458FS.PB.S053_03477_SB_O1_1.AFP
i
~_ ~ .
US~~
USAA Money Market Fund
Mutual Fund Summary
July 1 to September 30, 2009
Page 3 of 7
Symbol USAXX Account number 42904606692 ELEANOR S KRONHEIM
Fund code 0042
..............
..............
'ii"' ~ii"'i5ei3i;e~ isi ~ ~ ~ ti3~ E;3 ° ~ ~iei
::::.~ :-
~!~~ ,~
~~iC~
~~:. usu. _ .......:.....t'
This period Year to date
Account value S 5.723.34
June 30, 2009
Earnings 9.60 S 44.44
Change in market value 0.00
:::••:.: ~~ :::::::::::::::::^::•e::::.....
::........ :
i
This period Year to date
Taxable dividends S 9.60 S 44.44
These earnings are subject to adjustment after year end and
should not be used for tax reporting.
Account value $5,732.94
September 30, 2009
:;
:~:;
P~r~~rt~~ f~~nn~r~e
7-Day Yield As Of 09/30/2009: 0.42%
Annualized return
Quarter Year
to date to date 1 near 3 vear 5 vear
0.17% 0.789'° 1.489'° 3.23°!° 3.25%
This is the annualized percent change in the value of your
account over the given time periods. Your specific
performance is affected by your transactions and may differ
from the performance of the fund.
Description Trade Date Quantity Price Value Cumulative shares
Opening position 06/30/09 S 1.00 S5, 723.34 5, 723.340
Reinvested dividend 07/31/09 4.580 1.00 4.58 5, 727.920
Reinvested dividend 08!31/09 2.990 1.00 2.99 5, 730.910
Reinvested dividend 09/30/09 2.030 1 .00 2.03 5, 732.940
Closing position 09/30/09 S 1.00 S5, 732.94 5, 732.940__
ssr
;~1~
USAA°
USAA Income Fund
Mutual Fund Summary
July 1 to September 30, 2009
Page 4 of 7
i
~~
.~.~
~~
~~
~..~.
~~
Symbol USAIX Account number 40901927327 ELEANOR S KRONHEIM
Fund code 0040
::,~4 .. . ~ .:::::::~
This period Year to date This period Year to date
Account value S 7 , 334.37 Taxable dividends S 107.76 S 298.42
June 30, 2009
Earnings 107.76 S 298 , 42 These earnings are subject to adjustment after year end and
Earnings paid in cash -107.76 _2gg. 42 should not be used for tax reporting.
Change in market value 417.30
Account value $7,751.67
September 30, 2009
....
................
:::...
96 o f
As of August 31, 2009 Svmbol fund
TSY INFL IX N/B 912810FR4 2.35
TSY INFL IX N/B 912810PV4 1.50
HOUSEHOLD FINANCE 441812JW5 1.17
REGION OF LOMBARDY NOTES 541624AA0 1.16
CONOCOPHILLIPS 718507BQ8 0.99
LANDESBANK BADEN-WURTT NY 51488YAA7 0.97
FNMA POOL 969989 5.5% 05/01 /38 31414MC20 0.95
FNMA POOL #254766 5% 6/ 1 /33 31371 K6B2 0.93
FNMA POOL #948585 6% 8/ 1 /37 31413LJ67 0.86
NEW JERSEY TURNPIKE AUTH SERB 646139D85 0.86
Annualized return
Unrealized gain/floss!
Quarter Year Average Total Current Unrealized Market
to date to date 1 vear 3 year 5 near basis basis price gain/(loss) value
7. 16% 17.24% 12.70% 5.70% 4.80% S 12.22 $7,728.08 S 12.26 S23.59 57,751.67
This is the annualized percent change in the value of your Unrealized gain/(loss) is calculated using the single category
account over the given time periods. Your specific average cost basis method.
performance is affected by your transactions and may differ
from the performance of the fund.
Average 30-Day S.E.C. Yield As Of 09/29009: 4.74%
I.OOOT6X.003066.0006.0002.0.8.Z.OOOOJSS21497643.INP.USAA.D091001.T1648.JIN458FS.PB.S053_03477_SB_O1_1.AFP
r
~ ~'~ Mutual Fund Summary
US~ ~ July 1 to September 30, 2009
Page 5 of 7
Description Trade Date Quantity Price Value Cumulative shares
Opening position 06/30/09 S 1 1.60 S7, 334.37 632.273
Dividend by EFT @ S0.062270/shr 07/29/09 0.000 0.00 39.37 632.273
Dividend by EFT @ 50.054060/shr 08/27/09 0.000 0.00 34. 18 632.273
Dividend by EFT @ 50.054110/shr 09/28/09 0.000 0.00 34.21 632.273
Closing position 09/30/09 S 12.26 S 7 , 751.67 632.273
~ ~® Mutual Fund Summary
~5~ July 1 to September 30, 2009 ~~
' Page 6 of 7 ~
~~
~~
~_
~~
~~
~~
~..
AA Tax Exempt Long-Term Fund ._
Symbol USTEX Account number 43901167294 ELEANOR S KRONHEIM -= ~'
Fund code 0043
;:.;; ..:.:::::t...: ~~ :::::::::::::.:::: ~~::::::::,:: ~::: ~::::::::::::::: ;; ..
..::.:... .
.............,._:.:.., .~:: ~.:.......................................... ::::......................_.......::~~ :....::r:..~~~.
...r... .~~..~'.c.~.~a~+ ij~'.~i
{,~
This period Year to date This eriod Year to date
Account value S 13 , 995.00 Tax exempt dividends S 190.87 S 576.06
June 30, 2009
Earnings 190.87 S 576.06 These earnings are subject to adjustment after year end and
Earnings paid in cash -190.87 -576.06 should not be used for tax reporting.
Change in market value 1 , 253.29
Account value $15,248.29
September 30, 2009
96 o f
As of August 31, 2009 Symbol fund
IL REGIONAL TRANS AUTH SER 200 75991 1 PX2 2.12
DISTRICT OF COLUMBIA SERA 25476AW96 1.71
MASHANTUCKET WEST PEQUOT SR 97 574757AM2 1.41
MAINE TURNPIKE AUTH REV SER 20 560551 EB5 1.32
REGIONAL TRANS AUTH GO SER 99 75991 1 NE6 1.29
HARRIS CNTY TEX 414004U41 1.14
UNIV MED CTR TUCSON HOSP 914446AV 1 1.12
FARMINGTON PCR SERB 311450ET3 1.11
BELL CNTY HLTH FAC SER 89 078027621 1.10
NYS DORM AUTH MNTL HLTH SER 96 64983MWD6 1.07
Annualized return
Unrealized gain/(Ioss1
Quarter Year Average Total Current Unrealized Market
to date to date 1 near 3 near 5 near basis basis price Cain/tlossl value
10.32% 23. 18% 13.80% 3. 12% 3.64% S 13.37 S 15,51 1.48 S 13.14 ($263.19) S 15,248.29
This is the annualized percent change in the value of your Unrealized gain/(loss) is calculated using the single category
account over the given time periods. Your specific average cost basis method.
performance is affected by your transactions and may differ
from the performance of the fund.
Average 30-Day S.E.C. Yield As Of 09/29/09: 4.15%
I.000T6X.003066.0006.0003.0.8.Z.0000JSS21497643.INP.USAA.0091001.T1648.JIN458FS.P8.S053_03477_SB_O1_1.AFP
us~®
~1
Mutual Fund Summary
July 1 to September 30 , 2009
Page 7 of 7
Description Trade Date Quantity Price Value Cumulative shares
Opening position 06/30/09 S 12.06 S 13 , 995.00 1, 160.448
Dividend by EFT 07/31 /09 0.000 0.00 68.33 1, 160.448
Dividend by EFT 08/31 /09 0.000 0.00 59.55 1 , 160.448
Dividend by EFT 09/30/09 0.000 0.00 62.99 1, 160.448
Closing position 09/30/09 S 13. 14 S 15.248.29 1,160.448
a
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~~'DRR~b ~RE'p1T ~1'NIQN
.~r~~><en~ f a~r ~tl~f"}~Orte.
1800 Route 34 North • Suite 302 • Wall, NJ 07719 • 732-312-1500 • Fax 732-312-1529 • firytffcu.com
October 21, 2009
RfCEIVE~
®C`~ 2 3 2009
Irwin & McKnight, P.C.
West Pomfret Professional Building
60 West Pomfret Street
Carlisle, Pennsylvania 17013-3222
6(Ii6~& Mc~tNiGHT
~A1N OFFlCES~
RE: Estate of Eleanor S. Kronheim
SS# 137-18-2075
Gentlemen:
This is in response to your request regarding the above captioned deceased member. The account information is
a follows:
Account Title Account Tyke '
Eleanor Kronheim Checking
Eleanor Kronheim Savings
Date of Death Accrued
Balance Interest Date O ep ned
$3,739.35 $00.00 Feb. 27, 1996
$2,774.52 $ 5.26 July 30, 2970
There was no change in ownership or any accounts closed that were registered in the name oi° the decedent over
the past 12 months.
If we can be of any further assistance, please feel free to contact us at 732-312-1500.
Sincerely,
~ ~ ~ -~---
~ ~
Doreen L. Cutrona
Operations Dept.
r
~i~~Itl~'~I~
Wacho~ha Bank N.A.
Balance ConErrnation Services
P O Box 40028
Roanoks, VA 7A022-7313
October 12, 2oa9
IR~Il~T ~ MCKNICHT PC
**
Reference ID: 2822012
SUBJECT: Veaification / Confirmation of Account and Balance Information provided for:
Customer: ELEANOR S KRONHEIIVI (SSN# III~II~C XX ?A7~
Date of Death; October 5, 2009
Deuo~t Account Information
Acac»mt Aooowtit T?-ste ofTkath Average Tate Maturity Tnterc~ Awed Y'i'f) Tate
Type Number Halaaae Balaaoe* Opened Date Rate In2errat IrJterzd Paid Closed
CHF.CKTNC, )tX7{)CXXXXXIRGS $Il9A8.14 Si'S/198.3 $0.55 $S.R2
T F.CiAT. TTTf F: F.T FANnR g KRnNHRTM
No Safe llepoait liox found for customer.
* Date of death balance does not include accrued interest
* if date of death oocurrs on a weekend or a holiday, date of deatt- balance does not include any transactions that were
made during that time period.
~ ~~~
Amy Graybill
Servioenter Associate
Phcme~ (54p)563-7323
ag; ag
t
ARMED FORCES BANK N.A.
320 KANSAS AVE
FT LEAVENWORTH KS 66027
TELEPHONE:888-929-2265
000 00050 01 PAGE: 1 OF 2
ACCOUNT: 3882950 DATE: 10/2112009
DOCUMENTS: 2
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ELEANOR S KRONHEIM
109 SUSAN LN
CARLISLE PA 17013-1066
<M> 44-0
0
2
Access your account information anytime, anywhere.
Online Banking: www.afbank.com
Customer Service/Telebanc: 1-888-929-2265
*
*
Effective July 2, 2009, regulations that control the number and type of
withdrawals allowed on your Money Market account changed. The new reg-
ulation allows 6 pre-authorized transfers or withdrawals in any calendar
month. This includes all types of withdrawals including int:ernet
banking, check, telephone transfers, ACH debits or debit card purchases.
Transfers to another account made in the bank, checks cashed by our
tellers, any tr.~ansfer to pay your Armed Forces Bank (Academy Bank or
Armed Forces Bank of California) loan payment and ATM withdrawals remain
unlimited.
* *
--~_=
CLASSIC ACCOUNT 3882950
DESCRIPTION .-- .IIEB.LTS_-----~--- ----CREDITS DATE BALANCE
BALANCE LAST STATEMENT ................ ..
• .......... 09/21/09 29,014.43
CUMBERLAND CROSS DBT#3X 0922 7,640..00 09l24/09 21,374.43
SNJ, DOP - TPAF NJ-MONT 110043163045465 ~
1,345.36 10101109 22,719.79
DFAS-CLEVELAND AR ANN PAY XXXXX2075 1,488.38 x0/O1/09 24,208.17
NJ-AMER WTR PAYMENT 085 2966 227.58 ~0/O1/09 23 Q
. 59
US TREASURY 303 SOC SEC XXXXX2075A SSA
! 978.00 10/02/09 .
24,958.59,r
CHECK # 2261 .
417.30 10/06/09 24,541.29
CHECK # 2262 1,861.96~~ /10/07/09 22,679.33
INTEREST 1.91 10/21/09 22,681.24
BALANCE THIS STATEMENT ..................... .......... 10/21/09 22,6$1.24
TOTAL CREDITS (4) 3,813.65 MIN IMUM BALANCE 21,374.43
TOTAL DEBITS (4) 10,146.84 AVG AVAILABLE BALANCE 23,206.53
AVE RAGE BALANCE 23,206.53
*** C O N T I N U E D
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..,,~t°1E WOf~LD'S LARGEST JUNK REMOVAL SERVICE .k~ `
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590 Park Avenue Moving: ^
• Freehold NJ 07728 °'•'
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• ~? TEHf~iylS;,~ll~aceq(intc~a~~;duA~upo~:cecefp~t"unless cred'R ties been established, then accoums are, due withln.30 days. Overdue aocaunts are
°: ~J'subj~ctta.~9~jnfa~e5t'pe)'lnoritti (2494~ec t•nnuml:~As owij@~:egent, o~ tenant otthe atiove•tocation; I hereby eirthorize the above:work and agree
''-..•.tu;make;pegmeiil;:speei~.sd arid~~ei:knpwledge the.work has'•.heen sadsiectgriiy completed: if this account is assigned to. an outside agency for.
~•~:•oolle4tion,•Uwe agrae;Mpay.all assoc'ietediees, which willbe added to the'outstanding.baiance of th@;~cc6unC
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FUNERAL HOME Sr CREMATORY, INC.
x
Steve Kronheim
123 Blackburn Road
Basking Ridge, NJ 07920
Statement of Funeral Expenses for: Eleanor S. Kronheim
219 North Hanover Street
Carlisle, Pennsylvania 17013
717.243.451 l~
toll free 1.866.451.4511
fax 717.243.3723
www.hoffmanroth.com
infoC~?hoffmanroth.com
November 13, 2009
Date of Death: October 5, 2009 Account Id: 15746-226
PACKAGE:
Traditional Funeral Service
TRADITIONAL FUNERAL SERVICE PACKAGE $ 4,350.00
Sub Total: $ 4,350.00
MERCHANDISE:
Casket: Whitmire II $ 2,270.00
Outer Container: Monticello $ 1,320.00
Additional Vault Charge ~ $ 150.00
Sub Total: $ 3,740.00
AUTOMOTIVE EQUIPMENT:
Mileage To NJ $ 350.00
Sub Total: $ 350.00
TOTAL FUNERAL HOME CHARGES: $ 8,440.00
CASH ADVANCES:
Woodbine Cemetery $ 1,700.00
30 Certified Death Certificates at $ 6.00 each $ 180.00
Newspaper Notice -Sentinel $ 102.90
Newspaper Notice -Patriot $ 215.57
Clergy $ 100.00
Flowers $ 159.00
Newspaper Notice - Ashbury Park Press ~ $ 330.00
NJ Funeral Director $ 100.00
Sub Total: $ 2,887.47
Total Funeral Expense: $ 1'1,327.47
Payments made:
Total Balance Due: ~ 11.327.47
Please return this portion with your Remittance
Amount Enclosed
Eleanor S. Kronheim
Service ID #: 15746-226
SERVING OUR COMMUNITY SINCE 1 907