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HomeMy WebLinkAbout01-03-11' 1505610145 REV-1500 ~` `°'"'°' Pennsylvania OFFICIAL USE ONLY PA Department of Revenue DEPARTMENT OF REVENUE County Code Year File Number Bureau of Individual Taxes INHERITANCE TAX RETURN PO BOX 28060, ~ ~ ~ I Harrisbur PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY 519-12-2189 07182010 07041921 Decedent's Last Name Suffix Decedent's First Name MI Zizzi Refugio T (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 REGISTER OF WILLS FILL IN APPROPRIATE BOXES BELOW 0 1.Originat Return 0 2. Supplemental Return ~ 3. Remainder Return (date of death prior to 12-13-82,1 4. Limited Estate 0 4a. Future Interest Compromise (date of ~ 5. Federal Estate Tax Return Required death after 12-12-82) © 6. Decedent Died Testate 0 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 0 10. Spousal Poverty Credit (date of death 0 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 T0: Name Daytime Telephone Number Robert G. Frey 7172435838 First line of address 5 South Hanover Street Second line of address City or Post Office State ZIP Code Carlisle PA 17013 Correspondents a-mail address: r f reyc~f reyt i 1 ey . corn REGISTER 1~LS USE ONtY ~~ ~-n ~.;a r ~.U~~ c~ ~: ~~ ~ ~~ ~~ B~TE FILED „~„ `r? , r~ ..~ ~_~_~ ~~_'-, :~.a -.~~ ;~ -- nderpenalties of perjury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct and complete. Dedaration of preparer other than the personal representative is based on all information of which preparer has any knowledge SIC~ATURE OF PERSON RESPONSIBLE FOR FILING RETURN DATE ADDRE55 1448 Holl Pike, Carlisle, PA 17013 SIGNATUf~PRE RE ®THER T AN RE ESENTATIVE DATE ADDRESS 5 South Hanover Street, Car sle, PA 17013 PL E USE ORIGINAL FORM ONLY Side 1 L 1505610145 1505610145 J J 1505610245 REV-1500 EX Decedent's Social Security Number _ Decedents Name: Re f u g i o T Z i z z i 519 -12 - 218 9 RECAPITULATION 1. Real Estate (Schedule A) ........................................... 1. NONE 2. Stocks and Bonds (Schedule B) ...................................... 2. 3 3 7 6 2 8. 5 0 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) ..... 3. NONE 4. 9 9 ( ) .......................... Mort a es and Notes Receivable Schedule D 4. NONE 5. Cash, Bank Deposits and Miscellaneous Personal Property (Schedule E) ...... 5. NONE 6. Jointly Owned Property (Schedule F) Separate Billing Requested ........ 6. 2 2 8 6 3 3 . 0 0 7. Inter-Vvos Transfers 8~ Miscellaneous Non-Probate Property (Schedule G) Separate Billing Requested ........ 7. NONE 8. 9 ) ........................... Total Gross Assets (total Lines 1 throw h 7 8. 5 6 62 61.5 0 9. Funeral Expenses and Administrative Costs (Schedule H) .................. 9. 14 5 2 7 . 5 4 9 9 ( ) ............. 10. Debts of Decedent, Mort a e Liabilities, and Liens Schedule I 10. NONE 11. Total Deductions (total Lines 9 and 10) ............................... 11. 14 5 2 7 . 5 4 12. Net Value of Estate (Line 8 minus Line 11) ............................. 12. 5 517 3 3 . 9 6 13. Charitable and Governmental Bequests/Sec 9113 Trusts for which an election to tax has not been made (Schedule J) ....................... 1 g. 0 . 0 0 14. Net Value Subject to Tax (Line 12 minus Line 13) ....................... 14. 5 517 3 3 . 9 6 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 15. 0. 0 0 16. Amount of Line 14 taxable at linealratex.o 45 551733.96 16. 24828.03 17. Amount of Line 14 taxable at sibling rate X • 12 17. 0 . 0 0 18. Amount of Line 14 taxable at collateral rate x , 15 18. 0 . 0 0 19. TAX DUE .......................................................19. 20. FILL IN THE BOX IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT Side 2 L 1505610245 1505610245 24828.03 J REV-1500 EX Page 3 File Number 519-12-2189 Decedent's Complete Address: 21-10-0812 DECEDENT'S NAME Refu io T Zizzi STREET ADDRESS 1448 Holl Pike CITY Carlisle STATE PA ZIP 17013 Tax Payments and Credits: 1. Tax Due (Page 2, Line 19) 2. Credits/Payments A. Prior Payments 25000.00 B. Discount 1241.40 3. Interest (1) 24828.03 Total Credits (A + B) (2) 26241.40 (3) 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. Fill in box on Page 2, Line 20 to request a refund. (4) 1413.37 5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (5) 0.00 Make check payable to: REGISTER OF WILLS, AGENT PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: Yes No a. retain the use or income of the property transferred : ............................................................................. ^ b. retain the right to designate who shall use the property transferred or its income : ................................ ^ c. retain a reversionary interest; or ............................................................................................................ ^ d. receive the promise for life of either payments, benefits or care? .......................................................... ^ 2. If death occun'ed after Dec. 12, 1982, did decedent transfer property within one year of death ~~(( without receiving adequate consideration? ................................................................................................. ^ l~ 3. Did decedent own an "in trust for" or payable-upon-death bank account or security at his or her death? .... ^~ ~, 4. Did decedent own an individual retirement account, annuity or other non-probate property, which ((QQ''''~~ contains a beneficiary designation? ............................................................................................................ LLB ^ 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)]. • 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(x)(1.3)]. Asibling is defined, under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. REV-1503 EX+ (6-98) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE B STOCKS & BONDS ESTATE OF FILE NUMBER Refugio T Zizzi 21-10-0812 All property jointly-owned with right of survivorship must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. Shares held in Wells Fargo Brokerage account itemized below (statement attached): 2. Baidu, Inc., 1500 shares, 73.195 ave price 109,793 3. Belden, Inc., 150 shares, 23.215 ave. price 3,482 4. Chesapeake Energy, 3500 shares, 20.915 ave. price 73,203 5. First Solar, Inc., 200 shares, 129.405 ave. price 25,881 6. Google, 50 shares, 463.825 ave. price 23,191 7. Research in Motion, 400 shares, 53.54 ave. price 21,416 8. Ameren Corp., 1,000 shares, 24.91 ave. price, Morgan Stanley Smith Bamey 24,910 9. Bristol Myers Squibb, 600 shares, 25.16 ave. price, Morgan Stanley Smith Bamey 15,096 10. HJ Heinz Co., 500 shares, 44.90 ave. price, Morgan Stanley Smith Bamey 22,450 11. PPL Corp., 700 shares, 26.01 ave. price, Morgan Stanley Smith Bamey 18,207 TOTAL (Also enter on line 2, Recapitulation)I$ 337,629 (If more space is needed, insert additional sheets of the same size) REV-1509 EX+ (01-10) Pennsylvania SCHEDULE F DEPARTMENT OF REVENUE JOINTLY-OWNED PROPERTY INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF: FILE NUMBER: Refugio T Zizzi 21-10-0812 If an asset became 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. Cosmo J. Zizzi 1448 Holly Pike, Carlisle, PA 17013 Spouse B. C. JOINTLY OWNED PROPERTY: 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 INTEREST DATE OF DEATH VALUE OF DECEDENTS INTEREST Land, 3430 Chambersburg Road, see Appraisal attached 1. A. 268,650 50.00% 134,325 Land, Route 15, Chambersburg, Franklin County. 2 A 188,616 50.00% 94,308 (Assessed Value: 23,200, Common Level Ratio Factor: 8.13) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 TOTAL (Also enter on Line 6, Recapitulation) I ~ 228,633 00 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 Refugio T Zizzi 21-10-0812 Decedent's debts must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL EXPENSES: 1. Mayapple Bar 8~ Grill, funeral luncheon 1,500 2. Ewing Brothers Funeral Home 8,319 3. Saint Patrick Cemetery 500 4. Post Chapel, Service 50 5. Eby Granite Works, engraving headstone 113 6. Cherry casket 630 B. 1. ADMINISTRATIVE COSTS: Personal Representative Commissions: Name(s) of Personal Representative(s) Street Address City Year(s) Commission Paid: 2. 3. 4. 5. 6. 7. State ZIP Attorney Fees: 2,500 Family Exemption: (If decedent's address is not the same as claimant's, attach explanation.) Claimant Street Address City State ZIP Relationship of Claimant to Decedent Probate Fees: 381 Accountant Fees: Tax Return Preparer Fees: Advertising in the Sentinel and Cumberland Law Journal 263 8. Bank fee for checks 22 9. Bell Real Estate -Appraisal fee 250 TOTAL (Also enter on Line 9, Recapitulation) ~ a 1 If more space is needed, use additional sheets of paper of the same size. REV-1513 EX+ (01-10) pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF: SCHEDULE) BENEFICIARIES FILE NUMBER: Refu io T Zizzi 21-10-0812 RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE TAXABLE DISTRIBUTIONS [Include outright spousal distributions and transfers under Sec. 9116 (a) (1.2).] 1 Cosmo J. Zizzi, Jr., Trust remainder beneficiary 1448 HOlly Pike, Carlisle, PA 17013 son 1l6 of trust remainder 2 Bill Zizzi, Trust remainder beneficiary 373 North Middlesex Road, Carlisle, PA 17013 son 116 of trust remainder. 3 Anthony Zizzi, Trust remainder beneficiary 177 Richland Road, Carlisle, PA 17015 son 1l6 of trust remainder 4. Theresa Zizzi Trust remainder beneficiary 389 Mooredale Road, Carlisle, PA 17015 daughter 116 of trust remainder 5 Elizabeth Zizzi, Trust remainder beneficiary 117 Spring Farm Circle, Carlisle, PA 17015 daughter 1l6 of trust remainder 6 Marianne Zizzi Basile, Trust remainder beneficiary 383 Mooredale Road, Carlisle, PA 17015 daughter 1/6 of trust remainder ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUG H 18 OF REV-1500 COVER SH EET, AS APPROPRIATE. II NON-TAXABLE DISTRIBUTIONS A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN: 1. Cosmo J. Zizzi, Sr., Trust income beneficiary. Valuation based on life expectancy B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS: 1. TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. $ 0 It more space is needed, use additional sheets of paper of the same size. LAST WILL AND TESTAMENT OF REFUGIO T. ZIZZI I, REFUGIO T. ZIZZI married woman, of 1448 Holly Pike, Carlisle, Cumberland County, Pennsylvania, being of sound and disposing mind, memory and understanding, do hereby make, publish and declare this as and for my Last Will and Testament hereby revoking and making void any and all Wills by me at any time heretofore made. 1. I direct my hereinafter named Executor or Executrices to pay all of my just debts and funeral expenses as soon after my death as may be found convenient to do so. I further direct that all inheritance, transfer, succession, estate and death taxes, including interest and penalties thereon, which may be payable on account of my death shall be payable from the residue of my estate regardless of whether the assets upon which such taxes are based are included in my probate estate. 2. I declare that I am married to COSMO J. ZIZZI, SR., and that I have six (6) adult children, THERESA ZIZZI, ANTHONY ZIZZI, COSMO J. ZIZZI, JR., ELIZABETH ZIZZI, BILL ZIZZI, and MARIANNE ZIZZI BEASILE. 3. All of the rest, residue and remainder of my estate, real, personal and mixed, and wheresoever the same may be situate, I give, devise and bequeath to my husband COSMO J. ZIZZI, SR., his heirs and assigns, per stirpes. Should my husband or my husband's personal representative, guardian, or agent acting under a power of attorney, elect to disclaim any portion of the bequest made herein, such disclaimed portion or my estate shall pass to the Disclaimer Trust hereinafter created. 4. Should my husband fail to survive me, then in such event, all the rest residue and remainder of my estate real, personal and mixed, and wheresoever the same may be situate I give, devise and bequeath to such of my children as shall survive me by a period of ninety (90) days, the share any deceased child would have received to pass to his or her issue, per stirpes, and if there be no such issue, said share shall lapse and be added to the remaining share or shares. 5. Disclaimer Trust: Any amounts disclaimed by my husband (or my husbands personal representative, guardian or agent acting under a Power of Attorney) pursuant to the terms of paragraph four hereof shall be held by the Trustee hereinafter named, and the Trustee shall pay to my husband, COSMO J. ZIZZI, SR., for life, the following from such Trust: a. The net income quarterly or more frequently. b. In addition, so much of the principal as the Trustee, in the Trustee's sole discretion, deems proper for the support, health and education of my wife. In the exercise of this power, the Trustee may, but shall not be required to, consider the other resources of my wife. c. In addition, so much of the principal as my wife, from time to time during my wife's lifetime, requests in writing delivered to the Trustee, not to exceed in any calendar year the greater of Five Thousand Dollazs ($5,000) or five percent (5%) of the value of the principal at the end of such year. Such right shall be non- cumulative, and may be exercised only during the month of December of each calendar year. d. Upon the death of my husband, the Trustee shall distribute the balance of principal of the Disclaimer Trust to those persons who would then be entitled to the residue of my estate, as provided for under paragraph three of this Will, as if my husband, COSMO J. ZIZZI, SR., had failed to survive me and I had died immediately prior to the time such distribution was directed. ``~ j ~ e. I hereby nominate constitute and appoint my son, ANTHONY ZIZZI, as trustee, but should he predecease me or at anytime be unable or unwilling to serve as such, then in such event, I . nominate, constitute and appoint my daughter, ELIZABETH ZIZZI, as alternate or successor trustee. 6. I hereby nominate, constitute and appoint my husband, COSMO J. ZIZZI, SR., as Executor of this my Last Will and Testament, but should he predecease me or fail to qualify or cease serving as such, then in such event I nominate, constitute and appoint my son, ANTHONY ZIZZI, as Executor, but should he predecease me or fail to qualify or cease serving as such, then in such event I nominate, constitute and appoint my daughter ELIZABETH ZIZZI, as Executix, and I further direct that none of them shall be required to post any bond to secure the faithful performance of his duties in the Commonwealth of Pennsylvania or in any other jurisdiction. 7. In addition to the powers conferred by law, my hereinbefore named Trustees and Executors and their respective successors, are empowered: a. To invest any part of the trust corpus in such securities, investments, or other property as may be deemed advisable and proper, irrespective of whether the same are authorized for the investment of trust funds under the laws of any governing jurisdiction. b. With respect to any corporation, the stocks, bonds, or other securities of which may be held, to vote in person or by proxy on any shares of stock; to consent to the merger, consolidation or reorganization of such corporations; to consent to the leasing, mortgaging or sale of the property of any such corporations; to make any surrender, exchange or substitution of such stocks, bonds or other securities as an incident to the merger, consolidation or reorganization of such corporations; to pay all assessments, subscriptions and other sums of money which may be deemed wise and expedient for the protection and maintenance of the proportionate interest of the investment in such corporations; to exercise any option or privilege which may be conferred upon the holders of such stocks, bonds, or other- securities of such corporations either for the conversion of the same into other securities or for the purchase of additional securities, and to make any and all necessary payments which may be required in connection therewith; and generally to have and exercise as to all such stocks, bonds and other securities, the powers of an individual owner who is not under trust obligation. c. To hold the trust corpus in one or more consolidated funds in which separate shares shall have undivided interests. d. To sell at public or private sale for cash or upon credit, or partly for cash and partly on credit, and upon such terms and conditions as shall be deemed proper, any part or parts of the estate, and no purchaser at any such sale shall be bound to inquire into the expediency or propriety of any such sale or to see to the application of the purchase moneys arising therefrom. e. To keep on hand and uninvested such money as may be deemed proper and for such period as may be found expedient. f. To compromise, settle or arbitrate any claim or demand in favor of or against the trust estate. g. And authorized in the discharge of fiduciary duties, to employ counsel and to determine and to pay such counsel reasonable compensation which shall be charged against the principal or income of the trust fund, and shall further be entitled to charge against the principal or income such other reasonable expenses and charges as may be necessary and proper to incur for the proper discharge of fiduciary duties and for the proper management and administration of the trust estate. h. In making any division of property into shares for the purpose pf any distribution thereof directed by the provisions of the trust, to make such division or distribution, either in cash or in kind, or partly in cash and partly in kind, as shall be deemed most expedient, and in making any division or distribution in kind may allot any specific security or property or any undivided interest therein to any one or more of such shares, and to that end may appraise any or all of the property so to be allotted and the judgment as to the propriety of such allotment and as to the relative value for purposes of distribution of the securities or property so allotted ~z shall be final and conclusive upon all persons interested in the trust or in the division or distribution thereof. i. And authorized to register any shares of stock or other assets of any trust in their own names or in the name of a nominee. j. To retain and invest in shares of stock of my Trustee k. To retain any investments including mutual funds which I may own at the time of my death and in addition to invest any part of the Trust corpus in such mutual fund or mutual funds as may be deemed advisable or proper, irrespective of whether the same are authorized for the investment of trust funds under the laws of any governing jurisdiction. 1. To determine from time to time whether all or some portion of realized capital gains shall be treated as ordinary income for distribution to a beneficiary or treated as principal to be retained as part of the corpus, and such designation need not be consistent from one year to another. IN WITNESS WHEREOF, I have hereunto set my hand and seal to this my Last Will and Testament written on three (3) pages, this2~ day of October, 2008. ' <~ (SEAL) RE I T. ZIZZI Signed, sealed, published, and declared by REFUGIO T. ZIZZI the Testatrix above named, as and for her Last Will and Testament, in our presence, who, in her presence, at her request, and in the presence of each other, have hereunto subscribed our names as attesting witnesses. r__ 1 Buehler Wealth Management Group of Wells Fargo Advisors WeAs Fargo Advisors, LLC 3 Lemoyne Drive Lemoyne, PA 17043 Member FINRA/SIPC Frey & Tiley 5 South Hanover Street Carlisle, PA 17013 Fax: 717-243-6441 Te1717-761-7344 Fax 717-975-8426 !.-` 800-468-8685 , ~' ~ ~~ .~.~r~;• August 11, 2010 ~ ~ C-{n U a. L ~ ~ ~dc~ ~Q ~~~r ~ ~~ ~' RE: Date of Death Value Refugio Zizzi Dear Robert: Listed below are the mean values for July 16 and July 19, 2010. July 16, 2010 Shares Company Mean 1500 Baidu Inc $74.17 150 Belden Inc $23.41 3500 Chesapeake Energy $20.97 200 First Solar Inc. $128.18 50 Google $463.23 400 ~ Research in Motion $53.43 July 19, 2010 1500 Baidu Inc $72:22 150 Belden Inc $23.02 3500 Chesapeake Energy $20.86 200 First Solar Inc. $130.63 50 Google $464.45 400 Research in Motion $53.65 Money market fund for both days $1,342.59 If I can be of further assistance, please give me a call. Sincere , ,, ,. - i .~ ;,,~~~ Ly~i a . Neff S.~ni r Client Assoc Value $111,255.00 $ 3,511.50 $ 73,395.00 $ 25,904.00 $ 23,161.50.. $ 21,372.00 $108,330.00 $ 3,453.00 $ 73,010.00 $ 26,126.00 $ 23,222.50 $ 21,460.00 ~.sS,6~~•so ._.~_s~.~...w. ,.A. _._..,. _ ~,.. r _- ~ennifer L. Buehler, MBA E. Thomas McKee, MBA, CRPC• enior Vice President -Investments Financial Consultant Financial Advisor tom.mckee@wellsfargoadvisors.com Jennifer.buehler@wellsfargoadvisors.com Lyada K. 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'til 11. ~ Rj ~ ~O ~-~,, :~ - ;:ors S'+-: i : w-.- t = - s:: h L. ~::i'C ... ~ f' :i .. 1 i k.x ~~ _ ~- ' v ! 1:~ ~ 4 j~~, ~ 3 . i't_ t " ..-~ i ~ .Y E '~ ~'1 t i~ "~ f I i~.,• ~• ~ i' r ~ 33} _ ~ i - i '~ ~ t tG ST7 ~ iii ~ j.: -- tr^~9 x a' I n ~ i ' ~ Ri s} -: ~ r SN ;.' - T I Ac ~ i\I E 'a _ ~ G ae : 3 y G~ v ~ ~ _ 111 ~' j ~ ' ~ 4 ~ 1, ~ ro ~ ~n ;. o cp o alp a ~ ~ _ J is ... ~::. ~, SS ~. ~ ~ ~ •: ~ ~ } gat , ~ o `~ ~ ~ ~ M ~ i ~n i r ~~~ ~, f y v i ~ ~ '.~ V ~ r"'i ' !i3 Y. ill i '4 i 1 ~Q ~ ~ i ' i ` c ~ I ~' ~ ~ : ~ rte, ~ n: ~ ; ~, c,' ~ a ~ ~ o --. ~ ~: ~ ~ ~ ~ ~ ~' ~ ~ 1 1 ! a E?! ! ._~. ~ 't7 p ~~ :j i ' ~ ~ >~,I~i~~ ~ ~ ~ o ,~ a =-, ~ ~ „' t i r; i i~ 5a: _ ~ ( ~. ~ } I ~ i 1! _ ~ ~ ~;. ~ ~ r: i ! + C. ~-=~ y' ~ 1 i~2 + tat ~~-', E ~ r ~~ ~ 1 ` ! + I .°"i, (•;, P ~ 3. bTr . ~. i i S E i :' •.". yg .: s-i Sc:+ 'ti +, PPL Historical Prices ~ PP&L Corporation Common Stock Stock -Yahoo! Finance 12/10/10 5:24 PM New User? Register ;Sign In Help Trending: Bea Arthur photos Yahoo! Mail ~~~~~ F~~~~~.~ Search Web Search Dow '~' 0.35% Nasdaq '~ 0.80% HOME iN"JIS~'ii~C NEWS 8~ OPINION PERSONAL FINANCE MY PORTFOLIOS TECH TICKER GET QUOTE$ f~,£~~1~r..:' .~E. ,i l-I. rl i`^`r'I.. Z_.'L C; 2!). ~I^ -` .~f~(,jj t_`.'yi ~~? J ~iiE:. ~"k,~.t.; 4~?`,;~. ~_i PPL Corporation (PPL) At 4:01PM EST: 25.25 10,06 (0.24%j ~ i~ ~ ~~ r~ ~.p~d~ :Historical Prices Set Date Range start Date: I`< tub 1 i i ~ Daly ~ 2010 ; Eg. Jan 1, 2010 Weekly End Date: #:ui ; a 19 '' ~ . <2010 (Mouthy ................:x i......... ...........:. Dividends Only Cet Ari~ces , Prices Date Jul 19, 2010 Jul 16, 2010 !1Download to Spreadsheet Currency in USD. Open High Low Close 25.75 26.34 25.75 26.21 26.10 26.25 25.69 25.72 Close price adjusted for dividends and splits. Get Historical Prkes fa: ~~ C0 =' AdChoices First ~ Previous ~ Next ~ Last Volume Adj Close* 3,919,300 25.52 6,580,400 25.05 First ~ Previous ~ Next ~ Last Copyright ®2010 Yahoo! Inc. All rights reserved. Privacy Fblicy -About Our Ads -Terms of Service - Copyright/IP Policy -Send Feedback - Yah00! NeWS Network Quotes delayed, except where indicated otherwise. Delay times are 15 mins for NASDAQ, NYSE and Amex. See also delay times for other exchanges. Quotes and other information supplied by independent providers identified on the Yahoo! Finance partner page.Quotes are updated automatically, but will be turned off after 25 minutes of inactivity. Quotes are delayed at least 15 minutes. All information provided "as is" for informational purposes only, not intended for trading purposes or advice. Neither Yahoo! nor any of independent providers is liable for any informational errors, incompleteness, or delays, or for any actions taken in reliance on information contained herein. By accessing the Yahoo! site, you agree not to redistribute the information found therein. Fundamental company data provided by Capital IQ. Hisbxical chart data and daily updates provided by Commodity Systems, Inc. (CSI}. International historical chart data, daily updates, fund summary, fund performance, dividend data and Morningstar Index data provided by Momingstar, Inc. http://finance.yahoo.com/q/hp?s=PPL&a=06&b=16&c=2010&d=06&e=19&f=2010drg=d Page 1 of 1 AEE Historical Prices ~ Ameren Corporation Common Stock Stock -Yahoo! Finance 12/10/10 5:21 PM New User? Register Sign In _ Help Make Y! Your Homepage Yahoo! Mail ,,I-,~tJC~~~ ~ ~ ~A ~ ~ Search Web Search ~,@ Dow '~' 0.35% Nasdaq '~' 0.80°~ HOME 1N"~ES'T!NO NEWS & OPINION PERSONAL FINANCE MY PORTFOLIOS TECH TICKER __~ GETQU~TES i'I(lan1~' ` .~tiC!i i ri, f.~t,r~ ~if1 ~'~ r' _1L'I':i r_'~;T - ~? ` (1x?I"API i::)-tit~i ::Ameren Corporation (AEE) At 4:OOPM EST: 28.rJ~ ">fi'0.20 (0.79°I°} ~•. ~~~~ ~~ ~~ ~~~ ~ .r `:Historical Prices Get Historical Prices tor:~~~ GO`'` Set Date Range ~, Daily Start Cate: lul '+ { 16 ~ >2010 ~ Eg. Jan 1, 2010 ..: _ , ~ ...... ~-Weekly End Date: '#u( v i ~ 19 ; 2010 ~ Monthly Dividends Only GeE'P~ices ~~~~~i First ~ Previous ~ Next ~ Last !- ~~~'~ Prices t1 Date Open High Low Close Volume Adj Close' ~~ '~~ Jul 19, 2010 24.71 25.27 24.71 25.14 1,597,900 24.48 Jul 16, 2010 24.90 25.07 24.57 24.60 1,580,800 23.95 ~~~ ~~~~. Close price adjusted for dividends and splits. First ~ Previous ~ Next ~ Last ("Download to Spreadsheet :Currency in USD. ~ ' ~ G 1- ~ ~• ~ Y t]~y a L ~ Q .SAY )p. ~$» 1 • •~ ~ j^I X31'4 y J~~~V axe ~ b ..S'..~/' r;:~xx Copyright ®2010 Yahoo! Inc. All rights reserved. Privacy Policy -About Our Ads -Terms of Service - Copyright/IP Policy -Send Feedback - Yah00! NeWS NetWOrk 4uotes delayed, except where indicated otherwise. Delay times are 15 rains for NASDAQ, NYSE and Amex. See also delay times for other exchanges. Quotes and other information supplied by independent providers identified on the Yahoo! Finance partner page.Quotes are updated automatically, but will be turned off after 25 minutes of inactivity. Quotes are delayed at least 15 minutes. All information provided "as is" for infomrational purposes only, not intended for trading purposes or advice. Neither Yahoo! nor any of independent providers is liable for any informational errors, incompleteness, or delays, or for any actions taken in reliance on information contained herein. By accessing the Yahoo! site, you agree not to redistribute the information found therein. Fundamental company data provided by Capital IQ. Historical chart data and daily updates provided by Commodity Systems, Inc. (CSI}. International historical chart data, daily updates, fund summary, fund performance, dividend data and Morningstar Index data provided by Morningstar, Inc. http://finance.yahoo.com/q/hp?s=AEE&a=06&b=16&c=2010drd=06&e=19&f=2010&g=d Page 1 of 1 BMY Historical Prices ~ Bristol-Myers Squibb Company Co Stock- Yahoo! Finance 12/10/10 5:22 PM New User? Register Sign In ;Help Make Y! Your Homepage Yahoo! Mail .~a,...,,,, ..., . ~~~~~~ ~~~J4~~ Search Web Search Dow '~' 0.35°~ Nasdaq '"~ 0.80°~ HOME !1'~'~tES~'iNC NEWS & OPINION PERSONAL FINANCE MY PORTFOLIOS TECH TICKER -~ GET QUOTES ~,l"~I .;~J `14.:~.1'Ch --fL ~,_,. 1:V1 ,.~ '" `._''hai t; ,J' ;1 f,lia'ii t,: ;:~;~sfa' .,Bristol-Myers Squibb Company (BMY) At4:00PM EST: 26.04 ta14~o.!54°i°~ i"I;, A i ~' ~~- E~~ ~'.,, . ~+~ Historical Prices Set Date Range ~3 Daily Skirt Hate: I'td ~~ ,16 2010 Eg. Jan 1, 2010 Week _ , _ _;. _ N End Date: ~ I:u,~1. 19 ,~ ~ 2010 Monthly Dividends Only yeti"Prices Get Historigl Prkes for: CC? AdChoices First ~ Previous ~ Next ~ Last Prices Date Open High Low Close Volume Adj Close` Jul 19, 2010 25.27 25.27 24.78 24.84 11,804,800 24.56 Jul 16, 2010 25.44 25.47 25.10 25.17 13,136,300 24.88 "Close price adjusted for dividends and splits. Download to Spreadsheet Currency in USD. a ~ ~ fir; cue.. Z ~• ~ G First ~ Previous ~ Next ~ Last Copyright ~ 2010 Yahoo! Inc. All rights reserved. Privacy Policy -About Our Ads -Terms of Service - CapyrightllP Policy -Send Feedback - Yah00! NeWS NetWOrk Quotes delayed, except where indicated othervvise. Delay times are 15 mins for NASDAQ, NYSE and Amex. See also delay times for other exchanges. Quotes and other information supplied by independent providers identified on the Yahoo! Finance partner page.Quotes are updated automatically, but wilt be turned off after 25 minutes of inactivity. Quotes are delayed at least 15 minutes. All information provided "as is" for informational purposes only, not intended for trading purposes or advice. Neither Yahoo! noc any of independent providers is liable for any informational errors, incompleteness, or delays, or for any actions taken in reliance on information contained herein. By accessing the Yahoo! site, you agree not to redistribute the information found therein. Fundamental company data provided by Capital IQ. Historical chart data and daily updates provided by Commodity Systems, Inc. (CSI). International historical chart data, daily updates, fund summary, fund performance, dividend data and Morningstar Index data provided by Morningstar, Inc. http://finance.yahoo.com/q/hp?s=BMY&a=06&b=16&c=2010&d=06&e=19&f=2010&g=d Page 1 of 1 HNZ Historical Prices ~ H.J. Heinz Company Common Stock Stock -Yahoo! Finance 12/10/10 5:23 PM New User? Register.: Sign In ;Help Make Y! Your Homepage Yahoo! Mail ~„~.,C1~'V ~~, ~ ~ NI J4 C ~. Search ~ Web Search Dow '#' 0.35°~, Nasdaq ''~ 0.80°k HOME iN~i1=S i Ii`~O NEWS 8 OPINION PERSONAL FINANCE MY PORTFOLIOS TECH TICKER ~- GET QUOTES f-~~t~~?'1~.E `iu'~rui? ~~ri .~i:+: 1~'~ ~!~ _.~;i Fit~:;~-!~. ;,' P,r s HJ Heinz Co. (HNZ) At 4:01PM EST: 49.86 "x'0.48 {0.97%} 1 r • _. ~' `.Historical Prices Set Date Range Daiy Start Date: ~ }u, 1 ~ `16 :2010 Eg. Jan 1, 2010 Weekl _......: ~' Y End Date: ~ }u~~; ig~~' ~ Month .20io N ' Dividends Only het' j't•ic~s " First ~ Previous ~ Next ~ Last Get Historical Prices for: ~ Cd `' AdChoicPs Prices Date Jul 19, 2010 Jul 16, 2010 Open High Low Close 45.03 45.05 44.61 44.83 45.15 45.32 44.59 44.80 * Close price adjusted for dividends and splits. Volume Adj Close* 1,498,600 44.41 2,828,900 44.38 First ~ Previous ~ Next ~ Last !""1Download to Spreadsheet Currency in USD. e v e C ~ cs~ c.~ 4. q o Copyright Q 2010 Yahoo! Inc. All rights reserved. Privacy Policy -About Our Ads -Terms of Service - Copyright/IP Policy -Send Feedback - Yah001 News NetWOrk: Quotes delayed, except where indicated otherwise. Delay times are 15 mins for NASDAQ, NYSE and Amex. See also delay times for other exchanges. Quotes and other information supplied by independent providers identified on the Yahoo! Finance partner page.Quotes are updated automatically, but will be turned off after 25 minutes of inactivity. Quotes are delayed at least 15 minutes. All information provided "as is" for informational purposes only, not intended for trading purposes or advice. Neither Yahoo! nor any of independent providers is liable for any informational errors, incompleteness, or delays, or for any actions taken in reliance on information contained herein. By accessing the Yahoo! site, you agree not to redistribute the information found therein. Fundamental company data provided by Capital IQ. Historical chart data and daily updates provided by Commodity Systems, Inc. (CSI}. International historical chart data, daily updates, fund summary, fund performance, dividend data and Morningstar Index data provided by Morningstar, Inc. http://finance.yahoo.com/q/hp?s=HNZ&a=06&b=16&c=2010&d=06&e=19&f=2010&g=d Page 1 of 1 DISCLAIMER I, COSMO J. ZIZZI, SR., the person designated as a legatee as set forth in paragraph 3 in the Last Will and Testament of REFUGIO T. ZIZZI, and as owner of real estate as tenant by the entirety with REFUGIO T. ZIZZI, absolutely disclaim and renounce any right, title, and interest in the following property: 1. All of the assets contained in the brokerage account with Wells Fargo in the name of Refugio Zizzi. 2. All of the assets contained in the brokerage account with Morgan Stanley in the name of Refugio Zizzi. 3. The undivided one half interest of Refugio Zizzi in the real estate located near Chambersburg, Franklin County, Pennsylvania. 4. The undivided one half interest of Refugio Zizzi in the real estate located at 3340 Chambersburg Road, Gettysburg, Pennsylvania. I have not in any way acted to accept the property or any of its benefits. This Disclaimer is irrevocable and unequivocal, and constitutes a complete and unqualified refusal to accept any right, title and interest in the property. INTENDING TO BE LEGALLY BOUND, witness my hand and seal this ~~ day of December, 2010. Wit s: _ (SEAL) COSMO ZI I State of Pennsylvania }ss. County of Cumberland On this, the ~ day of December, 2010 , before me, the undersigned officer, personally appeared COSMO J. ZIZZI, SR., known to me (or satisfactorily proven) to be the persons whose name is subscribed to the within instrument, and acknowledged that he executed the same for the purposes therein contained. IN WITNESS WHEREOF, I hereunto set my hand and official seal. (SE L) ~c m:~"' f~ ~7...~.,,aa~ ~.ct.C'1.~`~~.1,' ~~t.E~lk Dececnl~er ~ 1; ?01 Q Robert G. Frey, esquire Fre~• & "T`ii~r~ Attor~ne`~s-At-Law South Hanciver Street ~`arl~te. P.A I7013 RE: Refugi© T. Ziz~i Es#ate Dear Attoriaey Fre>>. ~C}... ~~~c'~jj~. ~.,i21; ; ~~.~.; ~~h~: appraiser has itispe~;ted floe prc~pzrt~~ fur tl~e purpose af' ~stimatarig tl~e "market value" of the. fee simplir ntere5t:~t real prc~iperties according tc~ t.tt~ G~nifc~ran Standards ©f :Professional Appraisal Practice. Ate appraisal in si~tnmarv fc~nnat was prepared~``As t~f' July 1 ~, 2(} 10. 'lxlae a~praiscr has been :requested to i"urtlter discount the ~•alue conclusion based on partial ownership interest ufthe prvperiies. Because ntil~c~ritti- interests 13a~~e ii-ttiteii appeal due icy tl~e o~Jner's lacl afc~nt:ral, rt is necessar~~ to discount tl~e traetiur~ai interest. tci r~+`flect this dimi~isl~ed market:a6~l~t~ . I~utttc:rous areiGt~s hale been °rfteri ab~~ut apprcapriate d~scuurit rates assc~cialed ~~~^iti~ cai~veya~~ce ol• these pai~tia! interests; rvlticl3 generall~~ range frc~i~ about 1 Q% tc~ ~4°i`a. Ty~picall~~, there is an iri~~erse relationship l~etweeii the size of the parrisl interest ~.nti the retluired cii~~;ouilt, i.e: the larger the partial interest; the smaller the i~iscc~uttt rate: ~}bvic~u:sl}°. ~~ljen tl~e partial share is i.i~ eYCesa of ~Qpr'o, the owner bas more ccantroi aizd the assoc:iate~l discount is lower. ~on~~~rsely~ the. smaller the share and the more parties:invol~°~d; t:l~e higher the.. required dsciviurit rate. I~t this particular case, 10°,/o Ilas been selected as all appropriate dis~~unt rate resultin~ in the foll~a~~•in~ value indicatinrt Th;~ estimated value of t'ee simple interest (I pQt~o~ #'or the property located at 330 Chambersbur~ Road; Adams Cc-untti~k Bgiervilte, PA I'730~ ~?~8,5Up Fractional Interesf x f1,~0 Une-halt c~#: total. estimated market value 5149<2jp Liss discount €~# l{~°~o for diminished ntarketat~iiitti~ ~ 1=t.9? Rounded Tpta1 Value aY3-t,3?5 ~JVar~°ne B. t~~burtt ~~ PA C'eited ~ppriier License ~ I3Afl0~~ 1()L 4{~~°4ti'~E~ritt<;.35 ~"~~~;~ 1~`!"} ;±?'~-''.tit 1°~~i~i l~.c~~tait l~~<t1 ~"'~"i ~~*~~-1~-~" l•~-~l~iii; t>c11~'~e~,~~~x1~<rs,~jr.~.~~~il.c~»tr ~,w~kt.}~+IIt-~.sitl~~;t~i}~.ti~ Fif~.10-149 P~aae #51 LAND APPRAISAL REPORT Gle ~In ~f1_~A~ Borrower NA Census Tract 30a Map Reference o1-12-01o-oos7 PrOpel'iy Address 3430 CHAMBERSBURG ROAD .City BIGLERVILLE COUrIty ADAMS State PA Tip Code 17307 Legal Description ADAM COUNTY DEED BOOK 4939 PAGE 0155 Sale Price $ NA Date of Sale NA Loan Tenn NA yrs. Property Rights Appraised ®Fee ^ Leasehold ^ De Minimis PUD Actual Real fstzte Taxes $ 1,024 (yr} Loan charges to be paid by seller $ NA Other safes concessions NA LetldCr/CIIerR ESTATE OF REFUGIO T. ZIZZI Address 1448 HOLLY PIKE CARLISLE PA 17015 Occupant VACANT AppralSer WAYNE B. OGBURN IQS1n11Cti0nS t0 Apptalser FAIR MARKET VALUE Location Urban Suburban Rural Goad Avg. Fair Poar Built Up ^ Over 75% ^ 25% to 75% ®Under 25% Employment Sta~lity ^ ®^ ^ Growth Rate ^ WI1y Dev. ^ Rapid ^ Steady ®Slow Convenience to Employment ^ ®^ ^ Property Values ^ Increasing ^ Stable ®Decifning Convenience to Shopping ^ ®^ ^ DemancYSuppty ^ Shortage ^ In Balance ®Oversupply Convenience in Sctrools ^ ®^ ^ MarkeUrg Time ®Under 3 Mos. ^ 4-6 Mos. ^ Over 6 Mos. Adequacy of Public Transportation ^ ^ ^ Presets Land Use 20% t Family 2% 2-4 Famiy _,% Apts. % Condo ~o% Commercial Recreational Facilities ^ ®^ ^ Industrial 68% Vacant % Adequacy of Utilities ^ ®^ ^ _ Change in Present Land Use ®Not Likely ^ Likely (*) ^ Taking Place (*) Property Compatiltility ^ ®^ ^ (*) From Ta Protection from Detrimerdal Conditions ^ ®^ ^ Predominant Occupancy ®Owner ^ Tenant % Vacant Police and Rre Protection ^ ®^ ^ Sirgle Family Price Range $ 26,000 to $ s6o,ooo Predominant Value $ 21 s,ooo General Appearance of Properties ^ ®^ ^ Singie Famiy Age NEw yrs. to 250 yrs. Predominant Age 5o yrs. Appeal 1o Market ^ ®^ ^ Comments including those factors, favorable or unfavorable, affecting marketability (e.g. public parks, schools, view, noise): Rte 30 is a bus 2 lane h' rennin east and west. G b is 7.02 miles east and Chambersbu is 17.78 miles west. Dimensions aosxa57x19~c10o9x291x221x82 6x790x398x151xz00x2sa = 26.93 Sq. Ft or Acres Comer Lot Zoning classific~on COMMERCIAL Present Improvements ^ do ^ do not conform m zoning regulations Highest and best use ^ Present use Other commercial site Public Other (Describe) OFF SITE IMPROVEMENTS Tapo FLAT /LEVEL Elec. ® Street Access ^ Public ^ Private Size 26.x3 acres Gas ^ PROPANE Surface Shape IRREGULAR Water ^ wELL Maintenance ^ Puf>lic ^ Private View woods San. Sewer ^ NONE ^ Storm Sewer ^ CurbJGutter Drainage PooR ^ Underground Elect & Tel. Sidewalk Street Li htS Is the property located in a HUD iderltlfled Special Flood Hazard Area? ^ No ®Yes Comments (tavorab~ or ur-fa+rorabb k-cluding any apparem adverse easemems, encroachments, or other adverse conditions): Part of the wooded section is wetlands and the back is in the 100. r food zone. D rivewa is not on this and the broadcast tower has the ' ht to as bn as the church is usin it. The undersigned has recited three recent sales of properties most similar and proximate to subject and has considered these in the market analysis. The description includes a dogar adjustment reflecting market reaction to those items of significant variatiar tretween the subject and comparable properties. ff a significant item in the comparab~ property is superior to or more favorable than the subject property, a minus (-) adjustment is made thus reducing the in~cated value of subject, if a signifcant item in the comparable is inferior to or less favorable than the subject property, a plus (+) adjustm~rt is made tixls increasing the indicated value of the subject ITEM SUBJECT PR PERTY C PARABLE N . f COMPARABLE N0.2 C PARABLE N0.3 Address 3430 CHAMBERSBURG ROAD CASHTOW N ROAD LOT 3 685 CARLISLE ROAD LOT 2 104 OLD HARRISBURG RD BIGLERVILI-E PA BIGLERVILLE PA BIGLERVILLE PA YORK SPRINGS PA Pra>arri tb Sub' t - ~' ,3t 1.4 MILES 92 ACRES 17.13 MILES ~ NA • ~W,,,~ ~ 180 000 ~:z'e ~ `; ~ 361 036 ~ ; ~ _ ~,~'+ ; ~ ~ ~ 270000 P ' 180 000 ~ ~ 361 036 ~ ~ 320 000 Data ice PUBLIC RECORDS PUBLIC RECORDS RAYAC MLS Date of Sale and DESCRIPTION DESCRIPTION + - Ad'ust DESCRIPTION + - Ad'u DESCRIPTION + - Ad'ust Tlrrre Adjustment 09-22-2009 11-07-2008 10-30-20080 all 0 RURAL RURAL RURAL RURAL ' I W 26.93 ACRES 15.7 ACRES +112300 28.88 ACRES -19500 22.44 ACRE5 +44 900 WELL YES NONE +3 000 NONE +3 000 NONE +3 000 RADIO TOWER YES NO -20 000 NO -20 000 NO -20 000 Sales ar Fnancing Concessions t ~`~ ~ `~ ~' r a~' ~'~~ ~ ~ + 95 300 + 36 500 + 27 900 aft Value t "~ `S ~:~~ '' ` ~ ~~ ~# ~ ~ "~ ~.. -.:~?~' - 275,300 x . , ~. ~~ 324,536 .~ ~ h~, ~ ' ~ `= 297.900 Comments on Market Data: All market data is from the st 25 months and within 21 months of the a sisal date of Ju 18 3010. Comments and Conditions of Appraisal: This appraisal is for Fair Market Value and is for the Estate of Refuab T. Z¢zi. The subject is zoned commercial and com s 2 & 3 are also zoned commercial. Com # 1 is within 2 miles of the sub'ect and is zoned O en S ace. Fnal Recanci6ation: Ad'ustments were made for the folbwin :acres well and radio tower. There is a dome structure which we ave no value due to the condition. I ESTIMATE THE ARKET YALUE, AE DEFINED, OF EJECT PROPERTY Ai OP JULY 18. 2~~0 m be $ Z9$,50D '~ti~ WAYNE ^ Did ^ Did Not Physicafly inspect Property 'ser s Review A tsar If a IicaWe ~,~~I Wayne B. Ogbum, 8ef1 Real Estate Fnrm I Nfl - "T(1TAI fnr Winrtnvv~° annraical cnftwara by a la mnriP inr: -1-R~(I(1.AI AMrN1F