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HomeMy WebLinkAbout10-05-10 (2)1505610140 -a REV-1500 ~"°'-'°' PA DapaMasnt d Revenue OFFICIAL USE ONLY ~0 °~ ~'~~ T°7Q°a INHERITANCE TAX RETURN ~ code vex ~ Numbx PO BpX 290801 ILarrMbaYp. PA 1712&0801 RE8lDENT DECEDENT 2 1 1 0 ©gj~ ENTER DECEDENT INFORMATION BELOYIf Sodsl t3seur9y Number Date of Death MMDDYYYY Dde d Birth AaNDDYYYY 0 1 4 2 8 3 8 4 1 0 5 1 6 2 0 1 0 0 6 1 7 1 9 3 6 Dsosdsrd's Last Name 3u1Tpc DsoedenTs Fhst Name MI S T E P H E N S BAR B A R A S ro App1Io~M) Erllsr awvwlne t?<poaaWS tnfonmaora Below Spoaaads Last Name Suffix Spouse's First Name MI Spouse's Social SsclarYy Number THIS RETURN MUST BE FILED IN DUPLK:ATE YYITH THE REGISTER OF WILLS Fi<.L qat APPROPRUITE ovALS eFJ.pw [~ 1. t7rlpMsl Retum - _ __- ------- _^ ._ 2. Suppk!maMel R~ur_ n_-----__ - _ ^_ _3.-Ra~Ods~cB~um-(M9e d dsetll- priorto 72-13-82) ^ 4. Lhraifed Estate ^ 4a. Future Interest Compromise (dated ^ 5. Federal Estate Tax Bataan Required ^ 8 DeosdeM Died Testate ® death attar 12-12-82) 7 D d k t M i d Li T . . soe sn e lla ne a ving nast 8. Total Number d Safe Dapwk Bwaes U~d+ CoPY d ~ (Attadl Copy d Tnrst) ^ 8. t.itipatlon Proceeds Reeehrod ^ 10. Spousal Poverty Credit (date d deslh ^ 11. LileCtldra to taps under Ssa 9113(A) taetween 12-31-91 and 1-1-95) - (Attach Sch. O) CORREaPONDtL7iT - TIRB SECTION MUST BE t~IPLETED. ALL COtONDHICE AND COI~BTf1AL TAX SIFDILYATION SHOULD BE DSIEC7ED TO: Nuaa s Daythne Telephone Number J A C Q U E L I N E A K ELL Y 7 1 7 ~+ 1 5 ~5 0 o _ Fbat Ihae d addre~ C O U R T reEtNSTEIt~1a)Il}LetuE n ~~r- CJ n C'~ C7~n n _~ I 1 U'1 r- =x 8 4 5 S I R T H 017 A S Ssoond Ihas d addross S U I T E 1 2 CYy or Post orrice H A R R I S B U R G ConwpondanCs e-rtaail addrep: tNadar penaYtw d parJary, l decWa Past 1 h K N hue. CaaHd and . OaaCaaraYOra V• OFI L 1505610140 State ZIP Code L-_ ---- i>/1Tt: F9.ED P A 1 7 1 0 9 aomeiparyhap edaedWas and staurrwats, and b Yee tarot d ~Pr'MenlYave k taaaed pn aY Matorraaaspra dwlYch oresrx i U8E ORNiglAL FORM ONLY Sills 7 1505610140 taaNN. J ~. r~.Yy: c~ ~ ,.: ~~ n ,~ J 1505610240 REV-1500 EX Decedents Social SecurRy Number Osoedenrs Pbrrie: BARBARA S• S T E P H E N S 0 1 4 2 8 3 8 4 1 RECAPITULATION 1. Real Estate (Schedule A) ........................................ ... 1. 2. Stadca and Bonds (Schedub B) ................................... ... 2. 2 4 7 8 8. 0 8 3. Closet' Held Corporation, Partnership or Sob-Proprbtorship (Schedule C) .. ... 3. 4. Mortgages and Notes Receivabb (Schedub D) ....................... ... 4. 5. Cash, Bank Deposits and Miscellaneous Personal Property (Schedub E).... ... 5. 8 7 2 1 . 9 1 8. Jantly Owned Property (Schedub F) ^ Separate Billing Requested .... ... 8. 5 2 1 0 6 . 1 6 7. Inter-Vivos Transfers 8 Miscellaneous h (S d b G -Probate Property ~ S l 2 0 0 8 2 1 7 8 c e u ) eparate Bil ing Requested .... ... 7. . 8. Taal Gross Assets (total Lines 1 through 7) ........................ ... 8. 2 8 6 4 3 7. 9 3 9. Funeral Expenses and Administrative Costs (Schedub H) ............... ... 9. 4 0 6 2 5. 1 5 10. Debts of Decedent, Mortgage Liabilftbs, and Liens (Schedule I) .......... ... 10. 1 2 4 0 . 8 5 t 1. Taal Deductions (total Linea 9 and 10) ............................ ... 11. 4 1 8 6 6. 0 0 12. Nst Vaiw of Estate (Line 8 minus Line 11) ......................... ... 12. 2 4 4 5 7 1. 9 3 13. Charitabb and Governmental Bequests/Sec 9113 Trusts for which an ebdion to tax has not been made (Schedule J) ................... ... 13. 5 D 0 . 0 0 14. Net Value Subject to Tax (Line 12 minus Line 13) ................... ... 14. 2 4 4 0 7 1. 9 3 TAX CALCULATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9118 (a)(1.2>x.o _ O. D 0 15. 0. 0 0 16. Amount of Line 14 taxabb at lineal rate x .oae 2 2 8 1 8 2. 6 4 ts. 1 0 2 6 8. 2 2 17. Amount of Line 14 taxable at sibling rate X .12 1 2 8 8 9. 2 9 17. 1 5 4 6. 7 1 18. Amount of Line 14 taxabb at collateral rate x .15 3 0 0 0. 0 0 1g, 4 5 0. 0 0 19. TAX DUE ......................................................19. 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT 1 2 2 6 4. 9 3 Side 2 1505610240 1505610240 J REV-1500 EX Pape 3 Decedent's Complete Address: Pile Number 21 10 0 DECEDE S NAME BARBARA S. STEPHENS _ STREET ADDRESS -- -- ---.. -- - 117 Market Street _ __ CITY rSTATE ~ ZIP New Cumberland PA 17070 Tax Payments and Credits: 1• Tax Due (Page 2, Line 19) 2 Credits/Payments 11,500.00 A. Prior Payments B. Discount 605.25 3. Interest l1) 12,264.93 Total Credits (A + B) (2) 12.105.25 4. ff Line 2 is greater than Una 1 + Line 3, enter the difference. This is the OVERPAYMENT. Flg In oval on Pegs 2, Une 20 to request a refund. 5. N Line 1 + L1ne 3 Is greater than Line 2, enter the difference. This is the TAX DUE. (3) (4) 0.00 (5) 159.68 Make check payable to: REGISTER OF WILLS, AGENT k^ Y r~ 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. H death oocerred after December 12,1982, did decedent transfer property within one year of death without receiving adequate consideralicn? ............................................................ ...................... ^ 3. Did decedent own an 'in trust fol' or payable-upon~death bank account a security at his or her death? ......... ^ 4. Did decedent own an individual retirement account, annuity or athernon-probate properly, which contains a beneficiary desgnation? .................................................................................................. ® ^ IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT A3 PART OF THE RETURN. ' ^ For dates of death on or after July 1,1994, and before Jan.1,1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 3 percent (72 P.S. §9116 (a) (1.1) (i)J. For dates of death on or after Jan.1,1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0 percent [72 P.S. §9116 (a) (1.1) (ri)J. 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 'rf the surviving spouse is the only beneficiary. For dabs of death on or after July 1,2000: • The tax rob imposed on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use of a natural parent, an adoptive parent or a stepparent of the child is 0 percent (72 P.S. §9116(a)(1.2)J. • The tax rob imposed on the net value of transfers to or for the use of the decedents lineal beneficiaries is 4.5 percent, except as noted in 72 P.S. §9116(1.2) p2 P.S. §9116(a)(1)]. • The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is 12 percent [72 P.S. §9116(a)(1.3)J. 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-1608 EX + (6.99) SCHEDULE B CONMONWFALTH OF PENNSYLVANIA STOCKS 8 BONDS INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER BARBARA S. STEPHENS 21 10 0 All properly Joirrtlyowrred vdtlr right of survivorship must be discbssd on ScheduN F. ITEM VALUE AT DATE NUMBER DESCRIPTION ru nceTu U.S. Savings Bonds (153 total) see attached inventory report TOTAL (Also enter on line 2, Recapitulation) ~ ; (If more space b needed, insert addimonal sheets of the same size) REV-1508 EX + (8-98) SCHEDULE E COMdONWEALTNOFPENNSVWANIA CASH, BANK DEPOSITS, & MISC. IN RES DENT DECEDENTRN PERSONAL PROPERTY ESTATE OF FILE NUMBER BARBARA S. STEPHENS 21 10 0 Include the of hlyatan and the date the proceeds were receNed by the asfate. _ _ All propeRy -owned with right of survNorship must be dhcload on tichedeN f. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. 2003 Hyundai Elantra 4,215.00 see attached Kelley Blue Book value 2. Sovereign Bank; deposit after death 3. ~Househofd goods and furnishings TOTAL (Also meter on line 5, Recapitulation) ~ _ 2,506.91 2,000.00 (It mae speoe is needed, insert adeilional afwbb of the same sine) REV-1508 EX+ (Ot-10) Pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE F JOINTLY•OWNED PROPERTY EsrATE oF: FILE NUMBER: BARBARA S. STEPHENS 21 10 0 k an asset was made JolMly owned wifhln one year of the decedent's date of death, k must be reported on Schadu~ G. SURVMNG JOINT TENANT(S) NAME(S) ADDRESS RELA A. Jennifer A Cain 23119 W. 46th Stret dau Shawnee, KS 66226 B. Andrew E. Stephens 8 Prospect Avenue son Randolph, VT 05060 TO DECEDENT C. Patricia lacobucci 29 Lane Avenue sister Clinton. MA 01510 JOINTLY-OWNED PROPERTY: REM NUMBER LETTER FOR JgNT TaNANT DATE MADE JgNT DESCRIPTION OF PROPERTY INCLUDE'NAME OF FINANCIAL INSTRUTION AND BANK ACCOUNT NUMBER q2 SIMILAR IDENTIFYING NUMBER ATTACH DEED FOR JgNTLY-HELD REAL ESTATE. DATE OF DEATH VALUE ~ ASSET % OF DECEDENT'S INTEREST DATE q= DEATH VALUE q= DECEDENT'S INTEREST 1. A,B 2005 Sovereign Bank 76,884.18 33.33333 25,628.06 Checking Account 63600018392 2. B 2005 PNC Bank 3,833.60 50. 1,916.80 Savings Account5130049649 3. B 2005 ING Funds 23,344.02 50. 11,672.01 ING Money Market Class A Fund 0115/2300075119 4. C 2005 Fidelity Investments 25,778.58 50. 12,889.29 Fidelity Equity Income II mutual fund 1,536.268 shs ~ $$16.78 TOTAL (Also enter On Line 6, Recapitulation) I s r,~ i AR i R ff More SP8C8 IS neBded, U98 additional 9heels Of PBPar Of the Sable Size. REV-161 o Ex+ (08-OB) pennsylvania DEPARTMENT OF REVENUE INHERRANCE TAX RETURN f~SIDENT DECEDENT SCHEDULE G INTER-VIVOS TRANSFERS AND MISC. NON-PROBATE PROPERTY BARBARA S. STEPHENS 21 10 0 This scfiedule must be completed and flied ff the answrer to any of questions 1 through 4 on page three of the REV•1500 is yes. ~M NUN~R DESCRIPTION OF PROPERTY INCwDEnrEwu~EaFniETR~NSFeREE,TN~REUrwNSwPTOOECEDENrnnD TFE DATE aF TRANSFER. ATTACN A CDPY of TIIE DEED FDR REAL ESTATE. DATE OF DEATH VALUE OF ASSET %OFDECD'S INTEREST EXCLUSION DF q TAXABLE VALUE 1. Clinton Savings Bank 50,592.85 100.00 50,592.85 IRA 9014283841 Jennifer A Cain, Andrew E Stephens, children, beneficiaries 2. Thrift Savings Plan 44,445.55 100.00 44,445.55 death benefits Jennifer A Cain, Andrew E Stephens, children, beneficiaries 3. Federal Employees' Retirement System 1,990.00 100.00 1,990.00 death benefits; 16 days Jennifer A Cain, Andrew E Stephens, children, beneficiaries 4. The Barbara S Stephens Living Trust dated 8/26106 comprised of the following assets: Real estate:117 Market St, New Cumberland, PA 103,793.38 100.00 103,793.38 see attached settlement statement sales price: $103,000 reimbursement county taxes: $151.66 reimbursement school taxes: $635.06 reimbursement refuse: $6.66 TOTAL (Also enter on une 7, Recapitulation) ~ S 200821 78 If more space is needed, use ~dltional sheeb of paper of the same size. Rl3V-1b11 F.X* (10.09) pennsylvania DEPARTMENT OF REVENUE INHERRANCE TAX RETURN RESrDENr DECEOENr SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS ESTATE OF BARBARA S. STEPHENS 21 10 0 Decedent's debts must be reporbd on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL EXPENSES: 1. Parthemore Funeral Home 8 Cremation Services; cremation 3,368.27 2. St. John's Cemetery, Lancaster, MA; funeral mass 300.00 3. headstone 387.00 4. funeral mass/luncheon in Massachusetts 949.82 B. I ADMINISTRATIVE COSTS: Personal Representative Cammissiats: Name(s) of Personal RepreseMadve(s) Jennifer A. Cain Sheet Address 23119 W. 46th Street cny Shawnee sme KS ZIP 66226 Year(s) Conx-lissbn Paid: 2010 2, AtOortrey Fees: Jan L Brown & Associates 3. Family Exemptlon: (H decedents address b not the same as daunaM's, attach explanation.) Claimant S6eetAddreas Cny State ZIP Reletionshlp M Claimant le Decedent 3,500.00 8,500.00 4• Probele Fees: 5. AoccuMant Fees: 6. Tax Rehrm Preparer Fees: 7. John's Carpet Cleaning; 117 Market St, New Cumberland, PA 143.10 8. PA American Water; 117 Market St, New Cumberland, PA 69.91 9. Verizon; 117 Market St, New Cumberland, PA 45.96 10. Gary Fenstermacher; painting of 117 Market St, New Cumberland, PA 950.00 11. Settlement costs; 117 Market St, New Cumberland, PA 15,064,18 12. Cumberland County Register of Wills; inheritance tax return filing fee 15.00 13. Harrisburg Storage Company; packing/shipping of household goods, furniture to KS 1,895.04 14. Harrisburg Transfer Company; shipping of household goods, furniture 1,600.39 15. North American Van Lines; shipping of household goods, furniture 1,530.45 16. York Waste Disposal 395.33 17. Travelers Flood 1,121.00 18. Travelers Indemni & Affiliates 594.00 TOTAL (Also enter on Line 9, Recapitulation) S 40 625.15 Ii more space is needed, use additlonal sheets of paper of the same sins. Continuation of REV-15001nheritance'~ax Return Resident Decedent BARBARA S. STEPHENS 21 10 ^re ~^~ Pe9e ~ Fib Number Schedule H -Funeral Expenses ~ Administrative Costs - B7. ITEM DESCRIPTION 19. ~ PPL; 117 Market St, New Cumberland, PA ~ 195.72 SUBTOTAL SCHEDULE H-87 I 195.72 REV-1512 EX+ (12-0B) Pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULEI DEBTS OF DECEDENT, MORTGAGE LIABILITIES, & LIENS BARBARA S. STEPHENS 21 10 0 Report debt Incurred by tlu decedent prbr to death That remained unpaid at the date of death, including unreimbureed medical ezpenees, ITEM NUMBER DESCRIPTION VALUE AT DATE OF DEATH 1. ~FIA Card Services; outstanding balance 2. Check 6841 Sovereign Bank; cleared after death 3. Check 6859 Sovereign Bank; cleared after death 4. Check 6854 Sovereign Bank; cleared after death 5. Check 6836 Sovereign Bank; cleared after death 6. ~5Star Bank; outstanding balance on credit card TOTAL (Also enter on Line 10, Recapitulatiwr) I ~ nave space a rte, Insert additlalal sheets of the same size. 699.88 28.85 80.00 100.00 60.00 272.12 REV-1513 EXt (Ot-10) Pennsylvania ~ SCHEDULE J DEPARTMENT Of REVENUE BENEFICIARIES INHERITANCE TAX RETURN RESIDENT DECEDENT oeoowoec oronuou~ Y/'\I\Y!\I V\ V. V 1 Lr I ILI\V G I I V V RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY DD Not Llat Trutte~(s) OF ESTATE I TAXABLE DISTRIBUTIONS pndude q~ipM s I dbtrtlutlons and transfers under Sec. 91 i6 (a (1.2).j 1. Jennifer A Cain Lineal 107,296.91 23119 W. 46th Street Sch F property & Shawnee, KS 66226 50% residue 2. Andrew E Stephens Lineal 120,885.73 9 Prospect Avenue Sch F property & Randolph, VT 05060 50°k residue 3. Patricia lacobucci Sibling 12,889.29 29 Lane Avenue Sch F property Clinton, MA 01510 4. Kathleen Branoff Collateral 1,000.00 803 N. 17th St specific bequest under Harrisburg, PA 17103 Trust 5. Mary Ann Bouey Collateral 1,000.00 300 Lake Street specific bequest under San Francisco, CA 94118 Trust 6. Dianne Bink Collateral 1,000.00 250913th Avenue specific bequest under S. Milwaukee, WI 53172 Trust ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 T HROUGH 18 OF REV-1500 COVER S HEET, AS APPROPRIATE. II. NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN: 1. 6. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS: 1. National Center for Homeopathy 500.00 101 S. Whiting Street, Ste 16 Alexandra, VA 22304 TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. S 500.00 N more space is needed, use additional sheets Of paper of the same size. ~ FILE THE BARBARA S. STEPHENS LIVING TRUST PREPARED FOR: BARBARA S. STEPHENS Prepared by: Law Office of Jan L. Brown & Associates ~~.~ J cqu ine A. Kelly, Esquire 45 Sir Thomas Court, Suite 12 Harrisburg, PA 17109 (717)541-5550 SCHEDULE A INITIAL TRUST PROPERTY The following assets will be or have been transferred to The BARBARA S. STEPHENS Living Trust. Assets acquired after q - a(~ - D~0 will need to be transferred to the Trust to avoid Probate. Benefits assigned to this Trust are as follows: Residential Property: Real Property: 117 Market Street New Cumberland, Pennsylvania, 17070 (Parcel No. 25-25-0006-335A) 33 Laurel Street Clinton, Massachusetts 01510 ASSETS THAT ARE NOT CURRENTLY ASSIGNED TO THE TRUST: Thrift Savings Plan (federal pension) Life Insurance IRA held in CD's at Clinton Savings Bank in MA Bank Accounts: (all jointly held) PNC Bank (Savings) Acct. No. 5130049649 Sovereign of New England (Checking) Acct. No. 63600018392 ING (Money Market) Acct. No. 2300075119 Investment Accounts: Fidelity (Mutual Funds) Acct. No. 7006464181 (Patricia Iacobucci is joint owner) 5 Star Fund Inc. (Mutual Funds) Acct. No. 0009000548 (Andrew E. Stephens is joint owner) 2 SCHEDULE B SUPPLEMENTAL TRUST PROPERTY The following property has been added to The BARBARA S. STEPHENS Living Trust since it was signed on l=~ ('~ , 2006. Property Added Date Added SCHEDULE C DELETED TRUST PROPERTY The following property has been deleted from The BARBARA S. STEPHENS Living Trust since it was signed on _ 9' - o~ (p , 2006. Proaerty Deleted Date Deleted SCHEDULE D ASSIGNMENT OF PERSONAL PROPERTY BARBARA S. STEPHENS does hereby transfer and assign, without consideration and in order to change formal title only, all right, title and interest which she now has in that Personal Property listed below to BARBARA S. STEPHENS, Trustee, or her successors in trust, under the BARBARA S. STEPHENS Living Trust dated q - a(26(p and any amendments thereto: Personal Property Assigned: This assignment was executed on , 2006. BARBARA S. STEPHENS STATE OF PENNSYLVANIA COUNTY OF DAUPHIN SS On this the day of , 2006, before me, the undersigned officer, personally appeared BARBARA S. STEPHENS, known to me (or satisfactorily proven) to be the person whose name is subscribed to the within instrument and acknowledged that she executed the same for the purposes therein contained. In witness whereof I hereunto set my hand and official seal. Notary Public 5 TABLE OF CONTENTS ARTICLE ONE: CREATION OF THE TRUST Section 1. Declaration of Living Trust Agreement Section 2. Parties to the Trust Section 3. Name of the Trust Section 4. Definitions Section 5. My Present Family ARTICLE TWO: FUNDING THE TRUST Section 1. Trust Intent and Beneficiary Clause Section 2. The Trust Property ARTICLE THREE: ADMINISTRATION OF TRUST DURING LIFETIME OF TRUSTOR Section 1. Distributions Section 2. Authority, Power and Rights of Trustor Section 3. Disability Section 4. Catastrophic Illness Provision ARTICLE FOUR: ADMINISTRATIVE POWERS Section 1. Powers of Trustee Section 2. Trustor's Authority to Encumber Trust Property Section 3. Authority of Successor Trustee to Administer the Trust Section 4. Termination of Successor Trustee's Authority Section 5. Authority of Successor Trustee to Disburse Funds Section 6. Inalienability of Beneficiary's Interest in Trust Section 7. Beneficiary's Proportionate Liability for Estate Taxes Section 8. Limit on Trustee's Discretion Section 9. Non-Liability of Third Parties Section 10. Extension of Trust Powers Section 11. No Bond Requirements Section 12. Governing Laws of the State Section 13. Savings Clause Section 14. Termination of Trust Section 15. Compensation Section 16. No Court Supervision Section 17. Spendthrift Clause Section 18. No Contest Clause 6 ARTICLE FIVE: LIFE INSURANCE Section 1. Policies Covered Section 2. Additional Policies Section 3. Trustoe's Rights in Policies Section 4. Trustee to Execute Necessary Instruments Section 5. Payment of Premiums Section 6. Safekeeping of Policies Section 7. Proof of Loss and Receipt of Proceeds Section 8. Contested Policy Section 9. Reimbursement for Advances and Expenses Section 10. Dischazge of Insurance Company ARTICLE SIX: ADMINISTRATION OF THE TRUST UPON THE DEATH OF THE TRUSTOR Section I . Discretionary Payments Section 2. Trustee's Authority to Make Tax Elections ARTICLE SEVEN: DISTRIBUTION OF PERSONAL PROPERTY Section 1. Tangible Personal Property ARTICLE EIGHT: SPECIFIC DISTRIBUTION OF TRUST PROPERTY Section 1. Specific Distribution of Trust Property ARTICLE NINE: THE COMMON TRUST Section 1. Creation of the Common Trust Section 2. Separation of Trust Property Section 3. Distribution of Trust ARTICLE TEN: DISTRIBUTIONS TO THE BENEFICIARIES AND THEIR DESCENDANTS Section 1. Distributions of Trust Property Section 2. Shaze of a Descendant of a Deceased Beneficiary Section 3. Distribution to Disabled Beneficiaries ARTICLE ELEVEN: DISTRIBUTION IF NO DESIGNATED BENEFICIARIES 7 THE BARBARA S. STEPHENS LIVING TRUST DATED: '"l ~ ~ ~~ (.i J l~ ARTICLE ONE: CREATION OF THE TRUST Section 1. DECLARATION OF LIVING TRUST AGREEMENT This Agreement is made and entered into by and between BARBARA S. STEPHENS of Cumberland County, Pennsylvania, as Trustor; and BARBARA S. STEPHENS as Trustee. The Trustor wishes to establish a Revocable Living Trust which will receive real and personal property, the proceeds of certain life insurance policies on the Trustor's life, and certain other assets as may from time to time be added. The initial Trustee is willing to carry out the duties enumerated in this Agreement. NOW, THEREFORE, in consideration of the mutual covenants set forth and other good and valuable consideration, the Trustor and Trustees agree as follows: Section 2. PARTIES TO THE TRUST The parties to this Trust are: A. TRUSTOR: B. TRUSTEE: C. SUCCESSOR TRUSTEE: D. SUCCESSOR TRUSTEE: (In the event Jennifer A. Cain is unable to act as Trustee) BARBARA S. STEPHENS 117 Market Street New Cumberland, PA 17070 BARBARA S. STEPHENS 117 Market Street New Cumberland, PA 17070 JENNIFER A. CAIN 23119 W. 46s' Street Shawnee, KS 66226 ANDREW E. STEPHENS 9 Prospect Avenue Randolph, VT 05060 8 ARTICLE TWO: FUNDING THE TRUST Section 1. TRUST INTENT AND BENEFICIARY CLAUSE The Trustor has caused the transfer of all of her right, title and interest in and to the property herein described in Schedule A of this Living Trust Agreement, to the above named Trustee to be held In Trust for the use, benefit and enjoyment of the above named Beneficiaries. Section 2. THE TRUST PROPERTY A. The Trustor declared that she has transferred to and holds in the BARBARA S. STEPHENS Living Trust all of her interest in the property described in Schedule A which is attached hereto and incorporated herein, by reference. This Trust Property will include any real and personal property of every kind and nature which the Trustee may, pursuant to any of the provisions herein, at any time hereafter acquire, hold or cause to be made payable to this Trust, and the investments and reinvestments which are made for the benefit, purposed and used of the Trust. This property will be listed on Schedule B which is attached hereto and incorporated herein by reference. Any property which has been deleted from the Trust will be listed on Schedule C which is attached hereto and incorporated herein by reference. B. Use of Trust Proyerty. The Trust Property shall be used for the benefit of the Trust Beneficiaries and shall be administered and distributed by the Trustee in accordance with this Living Trust Agreement. C. Additional Assets. The Trustor or any other person may be instrument in writing, by Will, or by naming the Trustee as Beneficiary, deliver to the Trustee additional assets acceptable to the Trustee. These additional assets shall be held, administered, and distributed pursuant to this Living Trust Agreement. 11 ARTICLE THREE: ADMINISTRATION OF TRUST DURING LIFETIME OF TRUSTOR Sectiou 1. DISTRIBUTIONS The Trustee shall pay the net income of the Trust Estate to the Trustor during her lifetime, and such portions of the principal as the Trustor from time to time requests according to the provisions of this Trust. The Trustor shall have absolute control over the distribution of the Trust Estate, including principal and interest, during her lifetime. Upon the request of the Trustor, the Trustee shall pay all mortgage payments, taxes, insurance, repairs, and any other expenses necessary with regard to the residence of the Trustor. Distributions of Trust assets shall be made only to Trustor during Trustor's lifetime. Section 2. AUTHORITY. POWERS AND RIGHTS OF TRUSTOR A. The Trustor reserves unto herself the authority, power and right to amend, modify or revoke the Trust hereby created. No prior notice to or consent of any Beneficiary or the Trustee shall be required. After the death of the surviving Trustor, this Trust or any trust created by this agreement shall be irrevocable and not subject to amendment. B. The Trustor may at any time appoint, substitute or otherwise change the person designated to act as Trustee or Successor Trustee under this Trust hereby created. No prior notice to or consent of any Trustee or Successor Trustee shall be required. The Trustee so removed shall promptly transfer and deliver to Trustor, or Successor Trustee all property of the trust under its possession and control. C. All amendments, modifications, notices, revocations or other instruments affecting or furthering the purposes of this Trust, shall be in writing and delivered to the then Trustee. Section 3. DISABILITY The Trustor shall be deemed disabled during any period when, in the opinion of two licensed physicians, the Trustor is incapacitated or disabled because of illness, age or any other cause which results in the Trustor being unable to manage his property or financial affairs effectively. The Co-Trustor may act alone during that period of disability or with the named Successor Trustee(s). During such time that the Trustor may be disabled, the Trustee shall provide as much of the principal and income of this Trust as, in his/her sole discretion is necessary or advisable for the medical care, support and maintenance in reasonable comfort of the Trustor. The Trustee shall also have sole discretion to use the principal and income of the Trust for the medical care, support and maintenance in reasonable comfort of the Trustor's spouse, if any, and any minor children dependent upon the Trustor for his or her support. The Trustee may make such distributions to the disabled Trustor as her needs may require, based upon the Trustee's discretion as to need. When making such decisions, the Trustee shall consider all other income and assets available. 12 ARTICLE FOUR: ADMINISTRATIVE POWERS Section 1. POWERS OF TRUSTEE A. In the event this Living Trust Agreement provides for more than one Trustee (Co-Trustee), the exercise of any and all authorities, powers and rights accorded to said Trustees under this Trust shall not require the Trustees to act in unison in order to exercise any Trust Power, but that each such Trustee may severally exercise any of the enumerated Trust Powers. In the event of physical or mental incapacity or death of one of the Co-Trustees, the survivor shall continue as the Sole Trustee with full authority to exercise all of the powers accorded to a Trustee under this Trust. B. The Trustee has the power to make distributions of the Trust Property as required, pursuant to the provisions of this Trust and the Trustee shall be fully authorized to pay over or disburse to the Trustor, any amounts requested by said Trustor from the income or principal of the Trust, from time to time. C. The Trustee has the power to retain and to continue to hold any property that becomes a part of the Trust Estate and to sell, dispose of, exchange, partition, convey, divide, repair, manage, control, lease, rent and grant options and rights of refusal on property that becomes a part of the Trust Estate for cash, credit, deferred payments or exchange. D. The Trustee has the power to insure, at the expense of the Trust Estate, the Trust Property, with insurance of any kind and in amounts as the Trustee deems advisable. E. The Trustee has the power to invest all or any part of the Trust Estate in every kind of property, whether real or personal, including securities and to manage same as if he/she were an owner. The Trustee may manage investments in securities; open and close brokerage accounts; buy and sell securities, mutual funds, commodities, put and call options, long short or on margin; assign and deliver security certificates; and deal with any dividend reinvestment, checking or credit card account. F. The Trustee has the power to litigate and compromise claims with respect to the Trust Estate as the Trustee deems advisable. G. The Trustee has the power to allocate to principal or income all monies and properties received on behalf of the Trust Estate. H. The Trustee has the power to employ and pay any custodian, investment advisor, attorney, accountant, consultant, or other professional deemed necessary. I. I. The Trustee may retain, continue, sell, or liquidate any business in which the Trustor has or had an interest as a shareholder, partner, sole proprietor or as a participant in a joint venture, even though that interest may constitute all or a substantial portion of the Trust Property. The Trustee may directly participate in the conduct of any such business or employ others to do so on behalf of the Beneficiaries. 14 2. The Trustee may execute partnership agreements, buy-sell agreements, and any amendments to them. 3. The Trustee may participate in the incorporation of any Trust Property, any corporate reorganization, merger, consolidation, recapitalization, liquidation, dissolution, or any stock redemption or cross purchase buy-sell agreement. 4. The Trustee may hold the stock of any corporation as Trust Property, and may elect or employ directors, officers, employees, and agents, and compensate them for their services. 5. The Trustee may carry out the provisions of any agreement entered into by the Trustor prior to his death for the sale of any business interest or the stock thereof. 6. The Trustee may exercise all of the business powers granted in this Agreement regardless of whether the Trustee is personally interested or an involved party with respect to any business enterprise forming a part of the Trust Property. J. The Trustee has the power to pay with funds from the Trust Estate any tax, charge, or assessment against the Trust Estate which the Trustees is required to pay. K. The Trustee has the power to deposit and withdraw funds in commercial, savings, or savings and loans accounts, subject to the usual restrictions upon withdrawal in effect at that time. L. The Trustee may execute, deliver, and grant to any individual or corporation a revocable or irrevocable power of attorney to transact any and all business on behalf of any trusts created in this Agreement. M. The Trustee may enter into a lease or other agreement which may have a duration that the Trustee deems reasonable, even though extending beyond the duration of any trust created in this Agreement. Section 2. TRUSTOR'S AUTHORITY TO ENCUMBER TRUST PROPERTY The Trustor, in her capacity as Trustee shall be empowered with the discretionary authority to mortgage, pledge, hypothecate or otherwise encumber with a lien any or all of the Trust Property. Said lien(s) may be satisfied, settled or discharged from the income, rents or profits accruing from the Trust Property, or any other non-trust property owned by the Trustor, if she so elects. Section 3. AUTHORITY OF SUCCESSOR TRUSTEE TO ADMINISTER THE TRUST A. The Successor Trustee shall, upon the death of the Trustor; or upon the death of the Surviving Co- Trustor, assume the active administration of this Trust, and forthwith, transfer all right, title and interest in and to the Trust income and/or property unto the Beneficiaries, pursuant to Articles Seven, Eight, Nine, Ten, and Eleven herein regarding distribution. B. The Successor Trustee shall assume the active administration of this Trust during the lifetime of the Trustor when either of the following conditions are present, namely: 15 1. The Trustor is unable to actively and competently exercise any of the authorities, powers or rights so accorded under this Trust by reason of a sustaining disability or catastrophic illness, as certified by two licensed physicians, or 2. The Trustor expresses her desire in writing, for whatever reason, to temporarily relinquish those authorities, powers and rights as Trustee under this Trust to the Successor Trustee. C. If any named Successor Trustee refuses to serve, or fails to continue to service for any reason, the next named Successor Trustee shall serve in the order listed in Article One, Section 2. This section shall not apply to Co-Successor Trustees serving concurrently. D. If at any time there is no Trustee acting under this agreement and there is no person or institution designated and qualified as a successor Trustee, a majority of the beneficiaries then eligible to receive distribution of income or principal under this agreement or their personal representatives shall appoint a successor Trustee. If any trust existing under this agreement lacks a Trustee and no successor is appointed pursuant to this Section, the vacancy shall be filled by a court of competent jurisdiction. Section 4. TERMINATION OF SUCCESSOR TRUSTEE'S AUTHORITY The Successor Trustee's authority and power as provided under Article Four, Sections 3(B)(1) and (2) maybe subsequently terminated by the Trustor without the consent of or prior notice to said Successor Trustee when: A. The Trustor is sufficiently recovered from the disability or catastrophic illness as described under Article Four, Section 3(B)(1) above, as certified by two licensed physicians and thus, fully and competently capable of actively administering this Trust. B. The Trustor desires to reassume those authorities, powers and rights as Trustee in the active administration of this Trust relinquished under Article Four, Section 3(B)(2) above. The termination of the Successor Trustee's authority to actively administer this Trust in accordance with either Article Four, Section 3(B)(1) or (2) shall be effective immediately upon the Successor Trustee's receipt of the Trustor's notice terminating all such authorities and powers previously granted by the Trustor. Section 5. AUTHORITY OF SUCCESSOR TRUSTEE TO DISBURSE FUNDS The Successor Trustee shall be fully authorized to pay or disburse such sums from the income or principal as may be necessary or advisable for the medical care, support and maintenance in reasonable comfort of the Trustor when either of the two conditions described herein in Article Four, Section 3(B) prevails. Section 6. INALIENABILITY OF BENEFICIARY'S INTEREST IN TRUST The interest of the Beneficiaries under this Trust shall be inalienable. Said Beneficiaries can not assign, sell, pledge, encumber or otherwise transfer their interest in and to a third party. Nor can such interest be attached, garnished, levied upon or otherwise subjected to any proceedings whether at law or in equity. 16 Section 7. BENEFICIARY'S PROPORTIONATE LIABILITY FOR ESTATE TAXES Each Beneficiary hereunder shall be liable for their proportionate share of any estate taxes that maybe levied upon the total taxable value of the Trust Property distributed to said Beneficiaries upon the death of either the Trustor or the survivor of the Trustor. Section 8. LIMIT ON TRUSTEE'S DISCRETION Notwithstanding any language purporting to confer absolute, sole or unrestricted discretion on my Trustee in exercising any discretionary power with respect to this trust, my Trustee shall at all times act in accordance with fiduciary principles and shall not act in bad faith or in disregard of the purposes of my trust. Section 9. NON-LIABILITY OF THIRD PARTIES A. This Trust is created with the express intent and understanding that any third parties, including their agents, employees or vendors, who, upon the written request of the Trustor, or under the color of authority granted to the Trustee in this Trust, performs any duties or renders any services in the furtherance of the purposes and intents of this Trust, absent any showing of fraud, shall be under no liability for the application or proper administration of any assets or properties being the subject of the said third party's acts. B. This limitation of liability gives specific protection to any third party who acts, performs, or renders any services pursuant to any notice, instrument or document believed and represented to be genuine, and to have been signed and presented by the proper party(ies). C. It is further the express intent of this Trust that the non-liability of all third parties be given broad and prospective application. In particular, a depository, custodial agent or financial institution, including (but not limited to): banks, brokerage firms, credit unions, savings and loan associations, transfer agents, thrift associations, or any other person or entity acting in a fiduciary capacity with regard to any assets or property comprising the Trust, shall suffer no liability, nor incur any express or implied obligations when acting in the capacity of a transferor, upon proper request, of any assets or property either sought to be, or constructively comprising the Trust. Section 10. EXTENSION OF TRUST POWERS This Trust shall extend to and be binding upon the Heirs, Executors, Administrators and Assigns of the undersigned Trustor and upon the Successor Trustees. Section 11. NO BOND REQUIREMENTS The Trustee under this Trust and any Successor Trustees shall serve without Bond. Section 12. GOVERNING LAWS OF THE STATE The laws of the State of Pennsylvania govern the validity and construction of any administrative or disposition provision of this Trust or any act implementing it or right conferred thereby. 17 Section 13. SAVINGS CLAUSE If a State Court of competent jurisdiction shall at any time invalidate any of the separate provisions of this Trust, such invalidation shall not be construed as invalidating the entire Living Trust Agreement, but only that separate provision in controversy. All of the remaining provisions shall be undisturbed as to their legal force and effect. Section 14. TERMINATION OF TRUST Unless sooner terminated in accordance with other provisions of this Agreement, the Trusts created by this Agreement shall terminatetwenty-one years after the death of the last life in being at the time of the death of the Surviving Trustor. Section 15. COMPENSATION The Successor Trustee shall be entitled to reasonable fees commensurate with his duties and responsibilities taking into account the value and nature of the Trust Estate and the time and work involved. If any licensed attorney or certified public accountant shall provide services to the Successor Trustee, such person shall be compensated for reasonable services rendered on the basis of such person's customary charges for legal or accounting services. The Successor Trustee shall be reimbursed for the reasonable costs and expenses incurred in connection with his fiduciary duties hereunder. Section 16. NO COURT SUPERVISION No Trustee or Successor Trustee shall be required to qualify before, be appointed by, or in the absence of breach of trust, account to any court or obtain the order or approval of any court in the exercise of any power or discretion enumerated within this Trust. Section 17. SPENDTHRIFT CLAUSE All trusts created in this Agreement shall be spendthrift trusts. Section 18. NO CONTEST CLAUSE. If any person or entity other than me singularly or in conjunction with any other person or entity directly or indirectly contests in any court the validity of this Trust, including any amendments thereto, then the right of that person or entity to take any interest in my estate shall cease, and that person or entity shall be deemed to have predeceased me. 18 ARTICLE FIVE: LIFE INSURANCE Section 1. POLICIES COVERED The Trustor has caused or may cause the Trustee to be named as Beneficiary of the insurance policies listed in Schedule A attached hereto and incorporated herein by reference. The Trustee accepts such designation in Trust for the purposes and on the conditions set forth in this Agreement. The Trustee shall not be responsible, however, for making such change of Beneficiary designations. Section 2. ADDITIONAL POLICIES The Trustor or any other person may at any time and from time to time add any additional policies of insurance to any Trust established herein by assigning such policies of insurance to the Trust, by assigning such policies to the Trustee or by causing the Trustee to be named as Beneficiary thereunder. Such policies, and the proceeds thereof, shall be subject to the terms and conditions of this Agreement. Section 3. TRUSTOR'S RIGHTS IN POLICIES The Trustor reserves during the Trustor's lifetime, and may receive or exercise without the consent or approval of the Trustee or any Beneficiary hereunder, all benefits, payments, dividends, surrender values, options, rights, powers, and privileges with respect to such polices, including, but not limited to, the following: A. Payments. The right to receive all disability benefits, dividends, payments, loan values, or surrender values. B. Loans. The power to borrow on, surrender, or pledge any of the policies. C. Options. The power to exercise any option, such as the power to convert to a different kind or amount of insurance or the power to select the method of settlement of the proceeds. Section 4. TRUSTEE TO EXECUTE NECESSARY INSTRUMENTS The Trustee agrees to execute, upon request of the Trustor, any releases or any other instruments necessary to assist the Trustor in exercising the reserved powers. Section 5. PAYMENT OF PREMIUMS Neither the Trustee nor the Trustor shall be under any obligation, during the lifetime of the Trustor, to pay any premiums, assessments, or other charges necessary to keep the policies in force, nor shall either be under any obligation to ascertain whether the same have been paid or to notify any Beneficiary of this Trust of the non-payment of such premiums. Section 6. SAFEI~EPING OF POLICIES The Trustee shall keep safely all policies deposited with it at no cost to the Trustor, but shall not be responsible for policies which do not come into its possession. 19 Section 7. PROOF OF LOSS AND RECEIPT OF PROCEEDS Upon the death of the Trustor, the Trustee promptly shall furnish to the insurance companies proof of loss, and shall collect and receive the proceeds of the policies, less so much of said proceeds as shall be required to pay or provide for the payment of any liabilities or obligations to the insurer in respect of said policies. The net amount so received by the Trustee may be referred to herein as the "net proceeds" of the policies. In the collection of such proceeds, the Trustee shall have the power to execute and deliver receipts and other appropriate instruments, and to take such legal action as is appropriate. Section 8. CONTESTED POLICY If the payment of any policy is contested, the Trustee shall be under no obligation to institute legal action for the collection thereof unless it is indemnified to its satisfaction for all costs including attorneys' fees. Section 9. REIMBURSEMENT FOR ADVANCES AND EXPENSES The Trustee may pay to itself out of the funds in its hands the amount of any advances made by the Trustee for expenses incurred in collecting or attempting to collect any sum from any insurance company by suit or otherwise. Section 10. DISCHARGE OF INSURANCE COMPANY No insurance company shall be responsible for the Trustee's application or disposition of the proceeds of any policy payable to the Trustee. The liability of an insurance company shall be discharged upon payment of such proceeds to the Trustee. 20 ARTICLE SIX: ADMINISTRATION OF THE TRUST UPON THE DEATH OF THE TRUSTOR Section 1. DISCRETIONARY PAYMENTS Upon the death of the Trustor, the Trustee is authorized, but not directed, to pay the following: Expenses for medical services, funeral and burial; Legally enforceable claims against the Trustor or her estate; Reasonable expenses of administration of this Trust and probate estate, if any; and Federal and state taxes occasioned by the death of the Trustor. The payments authorized under this Section are discretionary, and no claims or right to payment by third parties may be enforced against the Trust by virtue of such discretionary authority. The Trustee shall be indemnified from the Trust Property for any damages sustained by the Trustee as a result of exercising, in good faith, the authority granted the Trustee under this Section. The payments authorized under this Section shall only be paid to the extent that the property in the Probate Estate, if any, is insufficient to make these payments. Section 2. TRUSTEE'S AUTHORITY TO MAID ELECTIONS The Trustee may exercise any available elections with regard to state or federal income, inheritance, estate, succession, or gift tax law. A. Alternate Valuation Date. The authority granted to Trustee in this Section includes the right to elect any alternate valuation date for federal estate or state estate or inheritance tax purposes. B. Deduction of Administration Expenses. The authority granted to Trustee in this Section shall include the right to elect whether all or any part of the administration expenses of the estate are to be used as estate tax deductions or income tax deductions. Any administration expenses claimed as income tax deductions shall be chazged against the Living Trust. No compensating adjustments need be made between income and principal as a result of such elections unless the Trustee, in his sole discretion, shall determine otherwise, or unless required by law. C. Taxes and Returns. The Trustee shall: Pay any necessary taxes, interest, or penalties with regazd to taxes The Trustee may also: Sign joint tax returns. Apply for and collect tax refunds and interest thereon. 21 ARTICLE SEVEN: DISTRIBUTION OF PERSONAL PROPERTY Section 1. TANGIBLE PERSONAL PROPERTY Upon the death of the Trustor, the Trustee shall distribute tangible personal property held by the Trust in equal shares to my children, JENNIFER A. CAIN and ANDREW E. STEPHENS, per capita, not per stirpes. A. Use of Gift Lists The Trustee shall distribute jewelry, clothing, china, silver, photographs, works of art, books, boats, antiques, artifacts, needlepoint, sporting goods, hobby items, and all other tangible articles of household or personal use in accordance with any written, signed and dated list left by the deceased Trustor and said list shall be incorporated by reference into this Trust, whether or not said list is attached to this Trust or to the deceased Trustor's Last Will and Testament. If multiple written lists exist which conflict as to the distribution of any item of tangible personal property, the list which is last dated shall control as to those items which are in conflict. B. Property Not Disposed of By Gift Lists The tangible personal property not disposed of by gift lists or by the above instructions shall be distributed to the surviving Beneficiaries in substantially equal shares as they shall agree within sixty (60) days after my death. To the extent that the Beneficiaries fail to agree, the Trustee shall, in his sole discretion, either divide the property among the Beneficiaries, use the property for them, or sell the property and divide the proceeds among the Beneficiaries. Any decision made by the Trustee with respect to either the selection or sale of tangible personal property shall be final and binding on all Beneficiaries. The Trustee may select property for any Beneficiary who is under any form of legal disability, considering the desires of a Beneficiary when making a selection. C. Distribution on the Death of a Beneficiarv If a Beneficiary should die before the complete distribution of the Beneficiary's share of tangible personal property, the Trustee shall distribute that Beneficiary's shaze to the remaining named Beneficiary listed in Section 1 of this Article, per capita, not per stirpes. 22 ARTICLE EIGHT: SPECIFIC DISTRIBUTION OF TRUST PROPERTY Section 1. SPECIFIC DISTRIBUTION OF TRUST PROPERTY Upon the death of the Trustor, the successor Trustees shall make the following specific distribution of trust property: A. My Trustee shall distribute the sum of ONE THOUSAND DOLLARS ($1,000.00) to my friend, KATHLEEN BRANOFF, of 803 N. 17`h Street, Harrisburg, Pennsylvania 17103, Not Per Stirpes. B. My Trustee shall distribute the sum of ONE THOUSAND DOLLARS ($1,000.00) to my friend, MARY ANN BOVEY, of 1327 Lincoln Avenue, #411, San Rafael, California 94901, Not Per Stirpes. C. My Trustee shall distribute the sum of ONE THOUSAND DOLLARS ($1,000.00) to my friend, DIANNE BINK, of 2509 13`}' Avenue, S. Milwaukee, Wisconsin 53172, Not Per Stirpes; and D. My Trustee shall distribute the sum of FIVE HUNDRED DOLLARS ($500.00) to NATIONAL CENTER FOR HOMEOPATHY, or its successor(s), of 801 North Fairfax Street, #306, Alexandria, Virginia 22314, to be used at its discretion. ~(- ~~~ S , ~~ ~ 5, ~I ` S~ l~ , ~- w`U~ 23 ARTICLE NINE: THE COMMON TRUST Section 1. CREATION OF THE COMMON TRUST It is not the Trustor's desire to create a Common Trust for her beneficiaries. All of the Trust Property which has not been distributed under prior provisions of this Trust shall be held, administered, divided and distributed according to the provisions of the Article and the Articles that follow. Section 2: SEPARATION OF THE TRUST PROPERTY Immediately upon the death of the Trustor, the remaining Trust Property shall be distributed IN EQUAL SHARES to: JENNIFER A. CAIN, of Shawnee, Kansas; and ANDREW E. STEPHENS, of Randolph, Vermont. If any of my beneficiaries predecease me or fail to survive me by thirty (30) days, I give, devise and bequeath his or her share to my remaining named beneficiary in this article who survives me by thirty (30) days, per capita, not per stirpes. Section 3: DISTRIBUTION OF THE TRUST PROPERTY Immediately upon the death of the Trustor, the remaining Trust Property shall be distributed in accordance with the Articles that follow. 24 ARTICLE TEN: DISTRIBUTIONS TO THE BENEFICIARIES AND THEIR DESCENDANTS Section 1. DISTRIBUTION TO EACH OF THE LIVING BENEFICIARIES The Trust share of each of my beneficiaries who survive me shall be held, administered and distributed as follows: a. Distribution of Net Income and Principal My Trustee shall promptly distribute free of the trust all accumulated net income and principal of the trust share IN EQUAL SHARES to: JENNIFER A. CAIN, of Shawnee, Kansas; and ANDREW E. STEPHENS, of Randolph, Vermont. If any of my beneficiaries predecease me or fail to survive me by thirty (30) days, I give, devise and bequeath his or her share to my remaining named beneficiary in this article who survives me by thirty (30) days, per capita, not per stirpes. b. Distribution Upon Death of a Beneficiary Who Survives Me If any beneficiary who survives me dies before the complete distribution of his or her trust share, the beneficiary's trust shall terminate and my Trustee shall distribute the balance of the Trust property according to Article Nine, Section 2. Section 2. SHARE OF A DESCENDANT OF A DECEASED BENEFICIARY Each share set aside for the deceased Beneficiaries, if any, who have then living descendants shall be divided, administered, and distributed as follows: A. Retention of an Incapacitated Descendant's Share In Trust If any descendant of a deceased Beneficiary is incapacitated, regardless of age, and the Trustee determines, in his sole discretion, that the descendant is unable to properly manage his or her financial affairs, then the Trustee may retain that descendant's share in trust until his or her disability has ceased. Each share set aside for a descendant of a deceased Beneficiary shall be held in a separate trust for each of such descendants, and shall be administered by the Trustee as follows: 1. Distribution of Trust Income and Principal The Trustee shall apply to or for the benefit of each of the descendants of a deceased Beneficiary, so much of the net income and principal for the descendant's share in trust as the Trustee, in his sole discretion, deems advisable for the descendant's education, medical care, support and maintenance in reasonable comfort. In making any distributions of income and principal under this Article, the trustee shall consider, to the extent she deems necessary, any additional sources of income and principal available to a descendant from any source outside of any trust created under this Agreement. 25 2. Distribution Unon Descendant's Death If a descendant should die before the complete distribution of his/her share, the trust shall terminate and all of the share shall be distributed to my then living child. Section 3. DISTRIBUTIONS TO DISABLED BENEFICIARIES Notwithstanding any other provision in this trust agreement, if any person otherwise entitled to receive a distribution of trust property is mentally disabled or legally incompetent as defined in Article One, my Trustee shall retain and administer that person's trust property for his or her benefit as follows: A. My Trustee's Discretion My Trustee may pay to or apply for the benefit of such beneficiary so much of the net income and principal of the trust as my Trustee in its discretion deems proper considering all other sources of income and resources available to such beneficiary and known to my Trustee. B. Payments Made to Beneficiary or Personal Reresentative My Trustee is authorized to make payments under this Section either directly to the beneficiary, to the beneficiary's personal representative or to any other person my Trustee may deem proper to be used for the benefit of the beneficiary. D. Trustee's Decisions are Final All decisions by my Trustee as to those it makes payments to, the purposes for which these payments are made and the amounts to be paid out of the trust are within my Trustee's sole and absolute discretion. E. Undistributed Net Income All undistributed net income shall be accumulated and added to the principal of the trust. F. Termination and Distribution My Trustee shall distribute the trust property to a beneficiary under this Section when such beneficiary is no longer disabled as determined by a court of competent jurisdiction or upon certification by two licensed physicians that such beneficiary is able to properly care for his or her property and person, or at a later date if other trust provisions in this Article direct. G. Death of Disabled Beneficiary Upon the death of a beneficiary under this Section, my Trustee shall distribute all of such beneficiary's remaining trust share, including the trust principal and accrued and undistributed income, to any person or entity, and upon any trust, terms, and conditions, or in favor of the estate of such deceased 26 beneficiary, as he or she may direct by his or her last will or living trust agreement. No exercise of this general power of appointment shall be effective unless it refers to this trust agreement and expressly indicates an intention to exercise this general power of appointment. ARTICLE ELEVEN: DISTRIBUTION IF NO DESIGNATED BENEFICIARIES NONE 27 I certify that I have read the foregoing Revocable Living Trust Agreement and that it correctly states the terms and conditions under which my trust property is to be held, managed and disposed of by my Trustee(s). I approve this Revocable Living Trust in all particulars and request the Trustee(s) to execute it. WITNESS WHEREOF, the Trustor has hereunto subscribed her name, this ~~~day of J , 2006. Witness BARBARA S. STEPHENS, TRUSTOR ~Rn~.@r~ 1l ~ C~ ~ Witness BARBARA S. STEP ENS, TRUSTEE STATE OF PENNSYLVANIA COUNTY OF DAUPHIN SS: On this day of , 2006, before me, the undersigned Notary Public, personally appeazed BARBARA S. TEPHENS, Trustor/Trustee, known to me to be the individual whose name is subscribed to the within instrument and acknowledged that she executed the same as her free act and deed and for the purposes therein contained. In Testimony Whereof I have subscribed my name and affixed my official seal in the County and State aforesaid, on the day and year above written. otaz Public CoMA1DNwFUix or PENNSnvANu NOTARIAL SEAL lACOUELINE A. NELLK NOTARf PUBLIC iDWER PAX10N TWP., DAUPHIN COUNIt! AIY COMMISSION EXPIRES DEC. 17, 2001 28 9!152010 3:30:04 PM ~ ~ OM8 Approval No. 2502-0285 a S ttl ~ ~ * ; e ement Statem ent (HUD-1) ~~ 8.7ype 1_aen t.®t-F1A 2^RHS 7.^Com. Unba. 8' ~o°r' .loan Numbr: 8. ortgspe Imuance se Number: .^VA 5.^Carn. M. ^OMer 201 00/93 0073895740 3218-703 C. Nob: is k iehed ' p e you a 711alemerrt ae 1 eosu. Anbarta Paid to rid by t17s aetlNnrenl aperd are a Ilerns merMed (POC)' wen 17e1d Ouhide the dosMrp; Uby an shown Mn (or Iniormatlonal paposea and are not included n [he bbls. D, Addraa Men .Norton , 117 MerkM fret, New mberlsntl. PA 17070 d Borrower. & Narrre Mfdrees Osrbero a LH owl, 717 Madtat beet. Naw um Mod, A 17070 of Seesr: F• Address M loer7s, A ONkbn of Matli 8a , N.A., ISAOA, A IMA, 207 rooks Run Ddve, l.ariraslr, PA 17801, loan: O7 Lender: 0073895740 O. ropeNy LoosDOn: 117 Mnkel SL New GmbMend, PennayNar7ia 77070 PIN 23.25.0008-335A N. t M: mq A. e0., 1 reel Plsp W Sietflerr7ent: 785 Poplar Church Rwd, Gmp Hs; PA 17011 , lL , 785 Poplar Church Roed, H91, PA 1 011, (7171731-1 1.8eWenrerR 9/152010 Prerstbn 9/162010 blafernsr7tDab; 9/752010 101. CrreeG aaMe pbe 1103,000. 101. Correct salsa prlw 102. Peppy ~ Parogfel 1103,000. ProPed7 103. $eter7yd tlraryea b borrower Ou7e 140D) f7,123.03 103. 7a. 4d1. 1os. IOS. tae. ClgApw7lerea ~ ~~ to7. cer^ry/msalsnotob7n2a11 1781.88 107. Courlq Waa a182010b 1/12011 700. IWenrrrer7V 408. AaNwrrnla i751.e6 109. BrJOp Toes a152o10 b 7/72011 (635.08 108. Stlnp Tpe x/5/2010 b 7/V2017 170. 3rd no- le.ea. atsr2d7o b a3drtoto fe.ee 170. 3n Ob 11eMe a75201o b 9lJO/201o se35.ae n t. 417. fs.e6 11z. n2. 720. Oroes Moored Due IrOre BWrorrer i/11,171A1 420. OreN MeerrM Due b BNMr f103,7f3.3e 201. OepoNt a emreN mpray i1,000.00 507. F.7uaaa depoel(fee 7roV7rGlom) 202. Prlra5p.1 emaae o1 new bells) f 70/.637.00 502. Srllenrre rJlr0ee b aaaer (kv 1400) 203. E7dplrq ban(s)lewn eutrysd b 303. lJtwlirq ban(s) taken aut7pct b 56,836.08 ~. 205. 5O/. Psyolldlkstnbnpape ben 208. 505. SOD Peyoll of Medld llgrtpaye ben 207. . 20e. 507. 209. 8elra Aairrroe 16 180 600. . . b08. SWraASeielenoe S6,te0.00 210. Ceylloan tors 211. County tasa 810. C1yAOrrlrlee 212 AeMerlwrb 517. Crony Wee . 213. 3ro OM Sewair (a9letl 1x1) 7/12010 b W15/20f 0 K9.10 512. 519. Aserarnema 3rd W Bawer (tNled 10/1) 7/12010 b x152070 211. 511. 1/1.10 216. 216. 575. 516. 217. sn z1e. . 219. sta. s7e. 220. Tool Neld x 9onowr S10e 11p 1 , . 0 620. Total Rad7retlen Araount Due aNNr ~ sts,ae4.t 907. tt1eN amour dire froe7 torowar (AM 120) 302 f1 t 1,118.17 6 01. (hoes amount due b sMr Obe 120) . 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SELLER NISTRl1CTpN • M Sib reel eeWe aw Your pircJPM meWerles, IYs brm 2119, Seas a ExNleripe of PriaJpW Rasbenca, br aM Oabl. aiSl your booms iAe rebm; fa oONraaneac0oro, mrnpleb the eppioebb aro of lam 1757, Form 0252 aMla SUedlae D (FOmI 1010). You en nepMee b peMea M SeYNrwa Apsm v4b yax coned tupeyr lesrrtifi[ellen nanbsr. N You Oo n01 On1vNe tlM SeabnlNa Apwe vrlM Yoa WrreCl Wpeyer bentlfica0on number. you may bs euDlad b dvX a aininel peneabs. SARSARA STEPHENSLIyV.ING TRUST ~k~[ /A~~ /w,J . ~.e~{ItsAr, ,~iWi~q ~(/~ I~tCK,f . Pravdoue etlitlona aro ObsOble Pape 2 0l3 NUO-1 -- ' - - - rpa Numbsr. 20100499 Eadts raker Fan Wae0 m price 98,620.00 ~ 68.004.20 - ~ ) as Paid Flom ilorrowera Paid From B ' 1 S. b I Fund3 al aler s F .60 b unds st at mant ,004.2 SeKbrtlent SeONmaM 7a. s6,9a.zo 706. Brakat FM b Ka2pr W6fenr Eaq , 6225.0 0 W 1. ~ ~~~ ~~ ~~ Ft0^w ~~° .,. {/61.95 (NOIn OFE Ni) 602. tour neat «charps ) h tM a spad6e tntarat rah onaian (from GFE 22) 603. 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W 11 W, Ownefa Ilpe aOlrran0e bGnal Road Sa16Mrlem 6ervi0as LLC , (Nom GFE i6) 1101. Ler9N/e title kuaerlea b Gnat Road Selpsmsnl 6erviroe LLC tx7.7b . 1106. l.erldafa tltle pnlry petit 3101,891.00 5150.00 1 t06. 0wn6la Wa paliq trr41 f103,000.00 1107. Apar9's parporr d tlM IoW Otle 9qurerlOe premhan b Growl Racy BelOnnera 6enieae LLC 6692 89 . . 1106. IAW6nvr21h poMon d tM bW ak imursge prwrklen b SNvrarl Title GuweMlr COm 6131 8 pary .0 11 W. " Nlalydae Endo 1 W, 300. 800 1110. Ooe Prap Fw b Greet RoaO SetpermM farvlOes LlC e , 72 A.00 1111. 0aerrep1a19e1a b Grant RaW iel2erriere SierNOaa LLC , 1112. CbWtp PrOlerllOn La0r b &evraR T2M Gurr3y Comperly 350.00 ~. W 275.00 1113. Tu GerO6nporr b GreN ROW 8altlemerrl 6ervi0el, LLC 1114. NOgry Fr b Gbh S/0.OD s26.6o n 16. 1201. G6MNrylyn( rJr y ` , ~ ~ . g b0 Releaeel (~ OFE 27) 1202. DMd 263.60 MOrtpaps f6B {143,00 . 5113.00 12W. TrrsNrygp (Nato GFE 28) 1201. ClgdCaaty IuhWrpa Deed {1 030.00 {1.030.00 . 11.090.00 1206. Stale Dead 11.030.00 1206. UPI Cer82p6pt b RecordM d Dee0e a Graal Road 3etllernant Sen4 11,030. W cu, LLC 7207. Ne b OrNt ROW BMIIwlr2 Servbn, LLC 120.00 160. 1301. Ra0tlred een4rti tlW you do plpp br .. ~ (Ran GFE a6) 1302. 2010.11 9tlba Tu b Rabin GMperolf f116.00 1303. 2010 COIrNy/yowrMdp Tu b Robin Daepare6l 3616.13 1301. 1lanle b Ameyean Fbnn SMeld P0C9 6512. 1306. May RerrMdiWm b TM MIIIpMOr 1436. 7906. 3b Gtr Rehr b flaw CrenDarWq 8«ayN 1406. 1307. 2r1013N Sonar bllew Curnberlan0 Borarptl 610. 13W. Tax SMVl9e FN b TaW Malpaps S0h6krr 161. 1909. Fbod C2M80MIOn b Meals theta Laan1, A Dirieian d hlsate 590.00 flank N A 1&A0 , . , A, ATIMA728.00 1100. TaW 6eLlppraerrt CM enar m llrr 102, Baetlon J any 602 Seatlon K) , "Ifarw+on9en6on Pam (3461.961. x.223.03 66A36.as ~..~ ......w rw wwa PQ amge M goWq ty: BOrrOWef (POCK). Lends/ (POLL), Mor0pe9e Broker (POGM), t39gr (POGO). RMI Eefale Aqm (PGCR), a Seller (FOGS). Pravbu6 WNOna are aMolete Page 3 d 3 HUD-t 9/15/2010 7:30:OA PM Pile Numper; 20/0M93 CERTlICI1TgN: 1 Mw Y raYNwad Yr HUD-t Satlarem SNNnterA and b tln esa d my kigwlatlpe ate txlW, A b • bus and aeetaaN sbNmsnt d W'aaipls as dNlkasarwtb ~ my aoooum «Oy Irle kl tlpb traruaGfon. 1 kNpNr prMly Vtat I Oaw raoNwd a Dopy d H110.1 Satpernenl SbWnant Tlr Sattlsment A9a11 dsw MI _ atx«eq a Nbmrtlon pprklad M tltMd pertles, ~In9 Nppmlati0n arcemkq POC iwra oral bl«malbn swppsd W pte Matdsr b tltN uamadkn a b tetlss dP~W b • a aOOd Fspk EstinNb (OFE) and HU0.7 Cnar9as' and'LOan Terms', and pis pertlea h01d kanrpns plp Sapp A9ant J. Ilprlon ~~' ~ BARBARA STEPHENS LI1N1G TRUST ~itA1,~~1, ,d lit ~.~r.,(e_.~Fisrmp~~,(,~,,,, AmpaA G ;~/~] ro pn heu a my SMMNfp B"~ T~« disetassa M tib Slabnlsnl .AtkL I lawn prsvarad b a kue and awxsls aosounl d tlta AawN wtAai wen tawlved and Mw Bean «w8 M d tlae Ironeatlori. - g' /~~D b krgaMiply make Iaw ataNmada b pu Udbd States m ble a arty pbar ekriar lawn. vaMitlaa won oonWgbn an k+chida ^ 5na and aN: TAN 1p: U.S. Cotls Bad10r1 7007 and Sadbn 1070. 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t0 Cf7 lO C17 CO Gf ~O G7 ~O (17 U7 C17 N C17 N 6/7 N 1C ° a a a a a ~ o 0 0 0 0 0 0 a° a~ a ~ o o a° ~ o a° aP a° ae a~ a° a° o a° ' Z m ~ e $ -r ~~ »Z ~_~ O O ~ Q ~D Q C11 Q (]i i i i i i i ~ O A Q Q i i O 0 <O 0 fO 0 N O W O i Q ~ O ~p C] pl [7 Cn ~ O Q i i i i N i V Q W 0 W pp pp i i i i _ i i i i i i i i i i i i i i i i i i i i i i i i i i i i i ` i i i i i i i i J V V OD OD CO Q7 CD OD m O OD CD DD 00 DD OD CD W OD CD OJ ~ 00 CO QD CD CD V r V OD 00 OD CO V V V V 1 Q D ~ D ~ D D D D D D D D D D D D D D D D D D D D D D D D D D ~ D D D D ~ D ~ D ~ O W N ~. r. v LI N Q 4\ Y N 0 O n ~ N ~ 7 C A fD m m y N d N A O Ln i f./ ~ i C J i i i V t 1 A t 1 A J A V i A 0 i A 0 i $ i A W i A N i A i i A O i W tO J W OD i W V i W 0 i W 0 J W A J W W i W N i W ~ i W O ~i N ~O i N W i N V i N O i N CT i N A i N W i N N i N ~ i N O i i ~O i i OD i ~ CI i i O i ~ CT 2 ~ N O 0 00 . . ~ ~ ~ ~ ~ ~ ~ ~ z ~ z m m m m m m m m m m N z ~ z m m m m m m m m m m m m z z z ~ z m rn m m m z z z ~ 0 7 N N N N N ~ 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