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Home My WebLink About10-05-10~,, 1505610140 REV-1500 EX `°'.'°' OFFICIAL USE ONLY PA Department of Revenue County Code Year File Number Bureau of individual Taxes INHERITANCE TAX RETURN Po Box 2sa6o1 2 1 1 0 ;~ ~ ~~ Harrisbur PA 1712&0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Soaal Security Number Date of Death MMDOYYYY Date of Birth MMDDYYYY 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 Decedent's Last Name Suffix Decedent's First Name MI S T E P H E N S B A R B A R A S (If Applicable) Enter Surviving Spouse's information Below Spouse's Last Name Suffix Spouse's First Name MI Spouse's Social Security Number THIS RETURN MUST BE FILED iN DUPLICATE WITH THE REGf STER OF WILLS FILL IN APPROPRIATE OVALS BELOW ® 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 Boxes (Attach Copy of Will) (Attach Copy of Trust) 9. Litigation Proceeds Received ~ 10. Spousal Poverty Credit (date of death ~ 11. Election to tax under Sec. 9113(A) between 12-31-91 and 1-1-95) (Attach Sch. O) CORRESPONDENT - THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: Name Daytime Telephone Number J A C Q U E L I N E A K E L L Y 7 1 7 Sc-~I 1 5 5 0 ._ ~ F ~ REGISTERe QF tr~ LS USE tY ~ k ' - 7 . , -. First tine of address ~; ~ s-~-~ t ~ l `'~ t.1"t ` - -=~ ,~ 8 4 5 S I R T H O M A S C O U R T c _~`'~ '"~ --_ __~~ ~ 1 Second line of address ~ r _ City or Post Office State ZtP Code DATE FILED ~~' : ~ H A R R I S B U R G P A 171 0 9 Correspondent's e-mail address: JACKIEJLBCcD_VERIZON.NET Under pertakies of perjury, l declare that I have examined this return, including accompanying schedules and statements, and to the hest of my krawledge and belief, ft is true, oomect and Dorn . DeGaration of p arer other than~tlhe personal representative is based on allinformation of which preparer has any knowl^edg~e. SI U~ /LI ~ S RESPQNgIBLE O ~tLJI~~-Rt'1'U\t ~ ~, ( ~~SC°"'.~"_l ~` ~L.~~' /'~ DA'Tg ~.j --_.J/ '~ f 2$,19 W• 4~'H STREET SHAWNEE KS 66226 SIGhIA~1R~0~ R~ P~J-~tER OTt j~f~,Tj+i~ t~,F~PRE5ENTATNE ~ f ~DAT~ ` ~ ~ ' `,1 845 SII~ THOMAS COURT, STE 12 HARRISBURG PA 17109 PLEASE USE ORIGINAL FORM ONLY Side 1 1505610140 1505610140 ~6 J REV-1500 EX Decedent's Name: BARBARA S • STEPHENS Decedent's Social Security Number 0 1 4 2 8 3 8 4 1 RECAPITULATION 1. Real Estate (Schedule A) ........................................... 1 2 2 4 7 8 8. 0 8 2. Stocks and Bonds (Schedule B) ...................................... • 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) ..... 3. • 4. Mortgages and Notes Receivable (Schedule D) .......................... 4. • 8 7 2 L . 9 1 5. Cash, Bank Deposits and Miscellaneous Personal Property (Schedule E)....... 5. 6. Jointly Owned Property (Schedule F) ^ Separate Billing Requested ....... 6. 5 2 1 0 6. 1 6 7. Inter-Vivos Transfers 8~ Miscellaneous N~Probate Property Billin Re uested arat S l S G 7 2 0 Q 8 2 1. 7 8 ....... g q ep e ( chedu e ) . 8. Total Gross Assets (total Lines 1 through 7) ........................... 8. 2 8 6 4 3 ? . 9 3 9. Funeral Expenses and Administrative Costs (Schedule H) ........... ....... 9. 4 0 6 2 5. 1 5 10. Debts of Decedent, Mortgage Liabilities, and Liens (Schedule I) ...... ....... 10. 1 2 4 0 . 8 5 11. Total Deductions (total Lines 9 and 10) ........................ ....... 11. 4 1 8 6 6 . 0 0 12. Net Value of Estate (Line 8 minus Line 11) ..................... ....... 12. 2 4 4 5 7 1 . 9 3 13. Charitable and Governmental Bequests/Sec 9113 Trusts for which 5 0 0 0 0 an election to tax has not been made (Schedule J) ............... ....... 13. . 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. 9116 (a)(1.2) X .0 0 . 0 0 15. 16. Amount of Line 14 taxable at lineal rate X .045 2 2 8 1 8 2. 6 4 1s. 17. Amount of Line 14 taxable 1 2 8 8 9 2 9 17 at sibling rate X .12 . . 18. Amount of Line 14 taxable at collateral rate X .15 3 0 0 0 0 ~ 18. 19. TAX DUE .................. ................ ... ... ..... .. ..... ..19. 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT 1505610240 1,50561,0240 Side 2 0. 0 0 1, 0 2 6 8. 2 2 1 5 4 6. ? 1 4 5 0. 0 0 1 2 2 6 4. 9 3 15U5610240 J .~ RE~~1500 EX Page 3 Decedent's Complete Address: File Number 21 10 0 DECEDENT'S NAME ~ BARBARA S. STEPHENS STREET ADDRESS 117 Market Street CITY New Cumberland STATE ~ ZIP PA j 17070 Tax Payments and Credits: ~. Tax Due (Page 2, Line 19) 2. Credits/Payments A. Prior Payments 11, 500.00 B. Discount 605.25 3. Interest 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. 5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (1) 12,264.93 Total Credits (A + B) (2) 12,105.25 (3) (4) 0.00 (5) 159.68 Make check payable to; REGISTER OF WILLS, AGENT PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: Yes No a. retain the use or income of the property transferred : ...................................................................... ^ b. retain the right to designate who shall use the property transferred or its income; ............................... ^ 0 c. retain a reversionary interest; or ................................................................................................ ^ 0 d. receive the promise for life of either payments, benefits or care? ....................................................... ^ 2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without receiving adequate consideration? ....................................................................................... ^ 0 3. Did decedent own an "in trust for" orpayable-upon-death bank account or security at his or her death? ......... ^ 4. Did decedent own an individual retirement account, annuity or other non-probate property, which contains a beneficiary designation? .................................................................................................. 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 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)]. 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) (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 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)]. • The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is 4.5 percent, except as noted in 72 P.S. §9116(1.2) [72 P.S. §9116(a)(1)J. • 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)]. A sibling is defined, under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. Y. REVS-1503 EX + (6-98) SCHEDULE B COMMONWEALTH OF PENNSYLVANIA STOCKS & BONDS INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER BARBARA S. STEPHENS 21 10 0 All property jointly-owned with right of survivorship must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. U.S. Savings Bonds (153 total) 24,788.08 see attached inventory report TOTAL (Also enter on line 2, Recapitulation) ~ $ 24,788.08 (If more space is needed, insert additional sheets of the same size) 1 RED'/-1508 EX + (6-98) SCHEDULE E COMMONWEALTH OF PENNSYLVANIA CASH, BANK DEPOSITS, & MISC. INHERITANCE TAX RETURN PERSONAL PROPERTY RESIDENT DECEDENT ESTATE OF FILE NUMBER BARBARA S. STEPHENS 21 10 0 Include the proceeds of litigation and the date the proceeds were received by the estate. All property iointlyowned with right of survivorship must be disclosed on Schedule 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 2,506.91 3. Household goods and furnishings ~ 2,000.00 TOTAL (Also enter on line 5, Recapitulation) I $ 8, 721.91 (If more space is needed, insert additional sheets of the same size) L REi/-1509 EX+ (01-10) pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN SCHEDULE F JOINTLY-OWNED PROPERTY ESTATE OF: FILE NUMBER: BARBARA S. STEPHENS 21 10 0 If an asset was made jointly owned within one year of the decedent's date of death, it must be reported on Schedule G. SURVIVING JOINT TENANT(S) NAME(S) ADDRESS RELATIONSHIP TO DECEDENT A. ~ennlrer H c;aln e. Andrew E. Stephens c. Patricia lacobucci JOINTLY-OWNED PROPERTY: 23119 W. 46th Stret daughter Shawnee, KS 66226 9 Prospect Avenue {son Randolph, VT 05060 I 29 Lane Avenue (sister Clinton, MA 01510 ITEM NUMBER LETTER FOR JOINT TENANT DATE MADE JOINT DESCRIPTION OF PROPERTY INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT NUMBER OR SIMILAR IDENTIFYING NUMBER. ATTACH DEED FOR JOINTLY-HELD REAL ESTATE. DATE OF DEATH VALUE OF ASSET % OF DECEDENT'S INTEREST DATE OF DEATH VALUE OF 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 1NG 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, Recapitulations I $ 52,106.16 {f more space is needed, use additional sheets of paper of the same size. RE't/-1510 EX+ (08-09) Pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE G INTER-VIVOS TRANSFERS AND MISC. NON-PROBATE PROPERTY ESTATE OF FILE NUMBER RARRARA S_ STEPHENS 21 _10 0 This schedule must be completed and filed if the answer to any of questions 1 through 4 on page three of the REV-1500 is yes. ITEM NUMBER DESCRIPTION OF PROPERTY INCLUDE THE NAME OF THE TRANSFEREE, THEIR RELATIONSHIP TO DECEDENT AND THE DATE OF TRANSFER. ATTACH A COPY OF THE DEED FOR REAL ESTATE. DATE OF DEATH VALUE OF ASSET % OF DECD'S INTEREST EXCLUSION (IF APPLICABLE) 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 9/26106 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 Line 7, Recapitulation) I $ 200,821.78 If more space is needed, use additional sheets of paper of the same size. REV-1511 EX+ (10-09) pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS ESTATE OF FILE NUMBER BARBARA S. STEPHENS 21 10 0 Decedent's debts must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL EXPENSES; 1. Parthemore Funeral Home & 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 1. ADMINISTRATIVE COSTS: Personal Representative Commissions: Name(s) of Personal Representative(s) Jennifer A. Cain Street Address 23119 W. 46th Street City Shawnee State KS Year(s) Commission Paid: 2010 2. Attorney Fees: Jan L Brown & Associates 3, Family Exemption: (If decedent's address is not the same as claimant's, attach explanation.) Claimant Street Address City State ZIP Relationship of Claimant to Decedent 4. I Probate Fees: 5 , Accountant Fees: 6. I Tax Return Preparer Fees: 8,500.00 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 15,064.16 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 Indemnity & Affiliates 594.00 TOTAL (Also enter on Line 9, Recapitulation) $ 40.625.15 3,500.00 ZIP 66226 If more space is needed, use additional sheets of paper of the same size. Continuation of REV-1500 Inheritance Tax Return Resident Decedent BARBARA S. STEPHENS 21 Decedent's Name Page 1 10 File Number Schedule H -Funeral Expenses & Administrative Costs - B7. ITEM NUMBER DESCRIPTION AMOUNT 19. PPL; 117 Market St, New Cumberland, PA 195.72 SUBTOTAL SCHEDULE H-67 ~ 195.72 RE'~l-1512 EX+ (12-08) pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE I DEBTS OF DECEDENT, MORTGAGE LIABILITIES, & LIENS ESTATE OF FILE NUMBER BARBARA S. STEPHENS __ __ _ _ __ _._________.21__10 0 Report debts incurred by the decedent prior to death that remained unpaid at the date of death, including unreimbursed medical expenses. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. FIA Card Services; outstanding balance 699.88 2. Check 6841 Sovereign Bank; cleared after death 28.85 3. Check 6859 Sovereign Bank; cleared after death 80.00 4. Check 6854 Sovereign Bank; cleared after death 100.00 5. Check 6836 Sovereign Bank; cleared after death 60.00 6. 5Star Bank; outstanding balance on credit card 272.12 TOTAL (Also enter on Line 10, Recapitulation) I $ 1,240.85 If more space is needed, insert additional sheets of the same size. REV+1513 EX+ (01-10) pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT L ESTATE OF: FILE NUMBER: BARBARA S. STEPHENS 21 10 0 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 S 9116 (a) (12) j 1. 2. 3. 4. 5. 6. ec. Jennifer A Cain 23119 W. 46th Street Shawnee, KS 66226 Andrew E Stephens 9 Prospect Avenue Randolph, VT 05060 Patricia lacobucci 29 Lane Avenue Clinton, MA 01510 Kathleen Branoff 803 N. 17th St Harrisburg, PA 17103 Mary Ann Bouey 300 Lake Street San Francisco, CA 94118 Dianne Bink 2509 13th Avenue S. Milwaukee, WI 53172 Lineal Lineal Sibling 'Collateral Collateral Collateral 107,296.91 Sch F property & 50% residue 120,885.73 Sch F property & 50% residue 12,889.29 j Sch F property 1,000.00 specific bequest under Trust 1,000.00 specific bequest under Trust 1, 000.00 specific bequest under Trust ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18 OF REV-1500 COVER SHEET, AS APPROPRIATE. NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAXIS NOT TAKEN: B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS: 1. National Center for Homeopathy 101 S. Whiting Street, Ste 16 Alexandra, VA 22304 500.00 TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. $ 500.00 II. 1 SCHEDULE J BENEFICIARIES If more space is needed, use additional sheets of paper of the same size. ~ FILE THE BARBARA S. STEPHENS LIVING TRUST PREPARED FOR: BARBA.R.A 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 ~ - ~(,P ~- ~ 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 ~ ~ (~ , 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 - o~ ~Q , 2006. Property 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 ~ - a(~ d jp 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 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. Trustor'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. Discharge of Insurance Company ARTICLE SIX: ADMINISTRATION OF THE TRUST UPON THE DEATH OF THE TRUSTOR Section 1. 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. Share of a Descendant of a Deceased Beneficiary Section 3. Distribution to Disabled Beneficiaries ARTICLE ELEVEN: DISTRIBUTION IF NO DESIGNATED BENEFICIARIES THE BARBARA S. STEPHENS LIVING TRUST DATED: ~ - a L~ ~ r,~ 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. 46th 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 Property. 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 TRUST'OR Section 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 u.se 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. 1. 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 insi:itution 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 terminate twenty-one years after the death of the last life in being at the time of the death of the Surviving Trustor. Section 1 S. 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 instrurrients 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. SAFEKEEPING 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 MAKE 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 charged 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 regard 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 Beneficiary 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 share 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. 5~ 1~~ ~u~\~l- ~}-tc4~~~~3~,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 LIKING 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 Upon 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 Representative 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. 4~ WITNESS WHEREOF, the Trustor has hereunto subscribed her name, this ~~ day of 2006. .--~. Witness BARBARA S. STEPHENS, TRUSTUR ~ ~ `~ Witness STATE OF PENNSYLVANIA COUNTY OF DAUPHIN BARBARA S. STEP ENS, `TRUSTEE SS: ,~ On this ~_day of , 2006, before me, the undersigned Notary Public, personally appeared 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. ~•. ota Public COMMONWEALTH Of PENNSYLYANlA NOTARIAL SEAL JACOUEUNE A. KELLY, NOTARY PUBLIC LOWER PAXTON TWP., DAUPHIN COUNTY MY COMMISSION EXPIRES DEC. 17, 200) 28 9/15/2010 3:30:04 PM rq. OMB Approval No. 2502-0265 A ttl S t St t nt HUD 1 * ~ . e emen eme a ( - ~ B. Type of Loan 1.®FHA 2.^ RHS 3.^Conv. Unins. 6. File Number: 7. Loan Number: 8. Mortgage Insurance Case Number. 4.^ VA 5.^Conv. Ins. Q Other 20100493 0073895740 d46-0385246-703 C. Note: This orm is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown. Items marked "(POC)" were paid outside the closing; they are shown here for informational purposes and are not included in the totals. 0. Name 8 Address Allen J. NoRon , 117 Market Street, New Cumberland, PA 17070 of Borrower: E. Name & Address Barbara Stephens L iving Trust, 117 Market Street, New Cumbartand, PA 17070 of Seller. F. Name & Address Metlife Home Loans, A Division of Metiife Bank, N.A., ISAOA, ATIMA, 201 Granite Run Drive, Lancaster, PA 17601, Loan: of Lender: 0073895740 G. Property Location: Property Address 117 Market St. New Cumberland, Pennsylvania 17070 PIN 25-25-0006-335A H. Settlement Agent: James A. Miller, Esq., 1-Great Road Settlement Services, LLC, 765 Poplar Church Road, Camp Hill, PA 17011, (717)731-1040 Place of Settlement: 765 Poplar Church Road. Camp Hill; PA 17011 1. Settlement Date: 9/15/201p Proration Date: 9/15/2010 Disbursement Date: 9/15/2010 ~, :_ . e: ~ ~ . ~_ ~ .,. A . , _. .., .. . ~ r ,. .., .: s .. .. 101. Contrail sales price .. ~ - ,. -. , ., _' ~ ,. a 5103,000.00 401. Contract sales price 5103,000.00 102. Personal property 402. Personal property 103. Settlement charges to borrower (line 1400) 57,623.03 403. 104. 404. 105. 405. - a ,~ ~ o . . ~. t o ~ d I. ~.: j .A . 106. City/town taxes 406. CityRown taxes 107. County taxes 9/15/2010 to 111/2011 1151.ti6 407. County taxes 9/1 512 0 1 0 to 1/1!2011 5151.68 108. Assessments 408. Assessments 109. School Taxes 9!1512010 to 7/1/2011 1635.06 409. School Taxes 8!1512010 to 7/112011 5635.06 110. 3rd Qtr Refuse 9/15/2010 to 9/30/2010 16.68 410. 3rd Qtr Refuse 9/15/2010 to 9!30!2010 ~,~ 111. 411. t 12. 412. 120, Gross Amount Oue trom Borrower ,: _ • 1111,418.41 . 420. Gross Amount Oue to Seller 1103,783.38 :. C . s .: ,. ~ _, _ 201. Deposit or earnest money 11,000.00 501. Excess de posft (see instructions) 202. Prirxtipal amount of new loan(s) 1101,631.00 502. Settlement Charges to seller (line 1400) 18,835.06 203. F_xisting loan(s) taken sut~jeil to 503. Existing loan(s) taken subject to 204. 504. Pa yoft of first mortgage loan 205. 505. Payoff of second mortgage ban 206. 506. 207. 507. 208. 508. 209. Salters Assistance 18,180.00 509. Sellers ASSistanCe 56,180.00 I .. . .,,~.. ,.. _. >: ~ s ~~ 210. Cityrtown taxes 510. City/town taxes 211. County faxes 51 t. County taxes 212. Assessments 512. Assessments 213. 3rd Qtr Sewer (billed 10/1) 7/1/2010 to 9/15/2010 149.10 513. 3rd Qtr Sewer (billed 1011) 7/1/2010 to 9/15/2010 148.10 214. 514. 215. 515. 216. 516. 217. 517. 218. 518. 219. 519. 220. Total Pald by/for Borrower _ .. w- 1108,860.10 520. Total Reduction Amount Due Setter 115 064.16 ~ ,, r - .! ~ , 'i r , n 301. Gross amount due from borrower (line 120) 1111,416.d1 601. Gross amount due to seller (line 420) , 1103 793.38 302. Less amounts paid by/for borrower (line 220) (5108,860.10) 802. Less reductions in amount due seller (line 520) (115,064.16) 303. Cash ®From D To Borrower 12,556.31 603. Cash ®To D From Seller 188,729 22 The Public Reporting Burden for this collection of information is estimated at 35 minutes per response for collecting, reviewing, and reporting the data. This agency may not Co41eil this Iniomtatbn, and you are not required to complete this form, unless it displays a Currently valid OMB control number. No confidentiality is assured: this disclosure is mandatory. This is designers to provide the parties to a RESPA covered transaction with information during the settlement process. Prevbus editions are obsolete Page 1 of 3 HUD-1 9/15/2010 3:30:04 PM File Numt~er: 20100493 SUBSTITUTE FORM 1099 SELLER STATEMENT - The information contained in Blocks E, G, H and I and on line 401 (or, if line 401 is asterisked, lines 403 and 404), 406, 407 and 40812 (applicable part of buyers real estate tax reportable to the IRS) is important tax infomtation and is being famished to the Intemat Revenue Service. If ypa are required to fib a return, a negligence penalty or other sanction will t>e imposed on you H this item is required to De reported and the IRS determines that k has not been reported. SELLER 1NSTRUCTiON - H this real estate was your principal residence, file form 2119, Sale or Exchange of Prirrdpal Residence, for any gain, with your income tax return; for other transactions, complete the applicable parts of form 4797, Form 8252 and/or Schedule D (Form 1040). You are requited to provide the Settlement Agent with your correct taxpayer identification number. It you do Trot provide the Settlement Agent with your correct taxpayer identification number, you may be subject to civil or criminal penalties. BARBARA STEPHENS LIVING TRUST Jennifer A. Cat Suoceasor Trustee rrewous eaitwnS are ODSOIeIe Page 2 of 3 HU0.1 9/15/2010 3:30:04 PM File Number: 20100493 r :, ,~ ,~ , 700. Total Real Estate Broker Fees based on price 596,820.00 = 56,004.20 Paid From Paid From Division of commission (line 700) as follows: Borrower's :teller's 701. 52,904.60 ~ 5195.00 to Prudential Homesale Service Funds at Funds at 702. 52,904.60 to Keller Williams East Settlement Settlement 703. Commission paid at settlement 56,004.20 56,004.20 704. 705. Broker Fee to Keller Wittiama Easl ~. z - '~ ~-~ r ' ans.oo y. 801. Our origination charge Metlite Home Loans" 5481.95 (from GFE #1) 802. Your creditor charge {points) for the specific interest rata chosen (from GFE #2) 803. Your adjusted origination charges !o Metlffe Home Loans (tram GFE A) 5481.95 804. Appraisal fee to Michael Ent (from GFE #3) 5400.00 ttOb. Credit report to Total Credit Service (hom GFE #3) 520.00 808. Tax service (from GFE #3) 807. Fkwd certification (from GFE #3) 808. ... ~ .. . ,. _ .. ~ .. .. . x f - y Y. 901. Dally interest charges from 9/15110 to 10/1/10 ®512.5300/day (from GFE #10) 5200.48 902. Mortgage insurance premium for 0 month(s) to HUD (from GFE #3) 52,236.39 903. Homeowner's insurance for 1 year(s) to Erie Insurance Exchange (from GFE #11) 5466.00 904. Flood Insurance to American Bankers Ins Co. POCB 51,461. 905. Y . . ~ ~ ~ . ;:. 1001. Initial deposit for your escrow account (from GFE #9) 5810.48 1002. Homeowners insurance 3 mo. ~ 538.8300 per mo. 5116.49 1003. Mortgage insurance 1004. City property taxes 1005. County properly taxes 8 mo. (fS 542.7200 per mo. 5341.78 1006. Food Insurance 3 mo. (~ S121.7500 per mo. 5365.25 1007. Sdwol Taxes 4 mo. (1S 566.8400 per mo. 5267.36 1008. 1009. Aggregate Adjustment (5280.40) ;. 1101. Title servioes and fenders title insurance (from GFE #4) 5550.00 1102. Settlement or dosing fee 1103. Owners title insurance to Great Road Settlement Services, LLC (from GFE #5) 5873.75 1104. Lenders title insurance to Great Road Settlement Services, LLC S 150.00 1105. Lerxlers title policy limit 5101,631.00 1106. Owners title policy limit 5103,000.00 1107. Agent's portion of the total title insurance premium to Great Road Settlement Services, LLC 5892.69 1108. UrWerwriters portion of the total title insurance premium to Stewart Title Guaranty Company 5131.06 1109. '• Includes Ends 100, 300, 900 1110. Doc Prep Fee to Great Road Battlement Services, LLC 5250.00 1111. Ovemight~re to Great Road Settlement Services, LLC 550.00 530.00 1112. Closing Protection Letter to Stewart Tills Guaranty Company 375.00 1113. Tax Certification to Great Road Settlement Services, LLC 510.00 1114. Notary Fee to Cash 525.00 1115. .., , . .. f ~ . ~ .° ... .: -e ~, .. ._ , , 1201. Government recording charges {from GFE #7) 5143.00 1202. Deed 553.50 Mortgage 589.50 Releases 5143.00 1203. Transfer taxes (from GFE 1118) 51,030.00 1204. City/County tax/stamps Deed 51,030.00 51,030.00 1205. State tax/atemps Deed 51,030.00 51,030.00 1206. UPI Certification to Recorder of Deeds a Great Road Settlement Services, LLC 520.00 1207. e-recording fee to Great Road Settlement Services, LLC a .. - ,~. ;. .. ., s k F 550.00 ,, - .. , , 1301. Required services that you can for ~oP (from GFE #8) 5116.00 1302. 2010-11 School Tax to RoWn Gasperetti 5818.43 1303. 2010 County/Township Tax to Robin Gasperetti POCS 5512. 1304. Horne Wartanty to American Home Shield 5435.00 1305. Mold Remedistion to The Mitigator 5405.00 1308. 3rd Qtr Refuse to New Cumberland Borough 540.53 1307. 2nd Qtr Sewer to New Cumberland Borough 561 90 1308. Tax Service Fee to Total Mortgage Solulrorts 590.00 1309. Flood CeNfication to Metlife Home Loans, A Division of Metlife Bank, N.A., ISAOA, ATIM/E26.00 1400. Total Settlement Charges (enter on Ifnes 103, Section J and 502, Section K) 57,623.03 58,835.06 rnauaes ungrneuon rant (54111.95). Hams marked "POC` were paid outside the dosing by: Borrower (POCB), Lender (POCL), Mortgage Broker (POCM), Other (POGO), Real Estate Agent (POCR), or Seller (POCS). Previous editions are obsolete Page 3 of 3 HUD-1 9!15/2010 3:30:04 PM File Number. 20100493 CERTIFICATION: t have carefully reviewed the HU0.t Settlement Statement and to the best of my knowledge and belief, it is a true and accurate statement of all receipts and disbursements made on my account or by me in this transaction. i further certify that I have received a copy of HUD-1 Serifement Statement. The Settlement Agent does not warrant or represent the accuracy of information provided by third parties, including information conceming POC items and information supplied uy the lender in this transaction appears the HU0.1 pertaining to'Com rison of Good Faith Estimate (GFE) and HUD-1 Charges' and 'Loan Terms', and the parties hold harmless the Settlement Agent as to a i aocuredes of s attars. i - BARBARA STEPHENS LIVING TRUST / , AI J. Norton ~~~,~~G~ Jennifer A. Ca '~""'~1 Successor Trustee To the best of my k HUD- Settlement Statement which I have prepared is a true and accurate axount of Me funds which were received and have been or will be disbursed by Ute nn _ f th ttlement o/ this transaction. James it rte Esq~' Date /(fir W ING: tt is crime to knowingly make false statements to the United States on this or any other similar form. Penalties upon conviction can inGude a fine and im sonment. r details see: Title ill: U.S. Code Section 1001 and Section 1010. 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Condition • Value Photo Gallery r _ ExCE;Nent S4,615 Cars For Sale Mu+ G d ~ _ _ - -~ 4 2 Compare Veh~des oo ; , ~ Blue Book Revtev: Fair $3,540 Consumer Ratings 1•+ure Pn~tos Find Your Next Car SpeCifiCatiOnS NEXT 5T E P • SEARCH LOCAL. L VS7iNGS BUT A USED tAR On Blue Book Claulfleds"' Powarr.a o Free CARFAX Record Check y Hyundai VIN: Elanha No Vltl ~ Ho PruUicrnr 75 Miles Ncar ZtP 17111 Average Consumer Rating (585 Reviews) F'ead :~~r::ew•. To View Ads, Click 5~5.'t{~j>t 4.1 Out of S kivr~w this V?hicf.~ a'S Shopping Tools Similar New Vehicles 2010 Hyundai Elantra 2010 Ford focus Free CARFAX Record C:t+eck Autn Loan from 3.R5?~ APR PhO+Oi ® Review PhMns Revier~ Get Your Credit Score Nov: Compare insurance Rates ~ Priuny Pr+c rng with Progressive Payment Calculator ~ More Results E Mended tYarranry lour to _..._. ___.. __ __. _ .. -. Prlrt for Salt Sll~n Vehicle Highlights fiND THE RIGHT (AR Compare Used vs. New Mileage: 81.575 Engine: 4 Cyl, 2.0 Liter Under 55,000 Transmission: Automatic Drivetrain: FWD Both New and Used Sedan Selected Equipment Change Equipment To View list, Click Standard YfEY+! ANQTHER YEHiiIE Air Conditbniny T1N Wheel Side Alr Bags Power Steering AM/FM Stereo Steel Wheels Select Year Power Windows Cassette Power Door Locks Dual Air Bags 8F S~$~ch t~~:~tg~yry Blue Book Private Party Value 9~ Kelley Blue Pook Private Party Value is the amount a buyer ian expect to Save VehiClp Print ~ i Err. c~~l BOOKNWRK ~ ~,,. http://www.kbb.com/kbb/UsedCars/PricingReport.aspx?Yearld=2003&Mileage=82575i&~e... 7/212010