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HomeMy WebLinkAbout05-18-111505610143 REV-1500 Ex(°'-'°' OFFICIAL USE ONLY PA Department of Revenue pennsylvania County Code Year File Number Bureau of Individual Taxes DEPARTMENT OF REVENUE Po Box.2aoso~ INHERITANCE TAX RETURN 21 11 0110 Harrisburg, PA 17128-OS01 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death Date of Birth 211 22 6594 O1 15 2011 06 15 1929 Decedent's Last Name Suffix Decedent's First Name MI WIENCZKOWSKI JOAN W (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 OVALS BELOW 1. Original Return ~ 2. Supplemental Return 4. Limited Estate ~ qa. Future Interest Compromise (dale of death after 12-12-82) 8 Decedent Died Testate (Attach Copy of Will) ~ ~~ (gttacheCo a~of Tn sd a Living Trust PY ) 9. Litigation Proceeds Received ~ 10. between P2 31 ~J1 audit (dat0es~f death 3. Remainder Return (date of death prior to 12-13-82) 5. Federal Estate Tax Return Required 8. Total Number of Safe Deposit Boxes 11.Election to tax under Sec. 9113(A) (Attach Sch. O) CORRESPONDENT -THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: Name Daytime Telephone Number JEFFREY R BOSWELL ESQUIRE 717 236 9377 First line of address 315 N FRONT STREET Second line of address City or Post Office HARRISBURG Correspondent's a-mail address: Under oenalties.of Deriurv. I declare that I State ZIP Code PA 17101 L. =-r~^ examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, preparer other than the personal representative is based on all information of which preparer has any knowledge. Richard A. Breach _ 1704 Cornell Road, Camp Hill, PA 17011 SIGNATURE OF PREPARER OTH THAN REPRESENTATIVE DATE Jeffrey R. Boswell, Esquire O5~lo~2olf ADDRESS ~- /~ 315 N. Front Street, Harrisburg, PA 17101 Side 1 1505610143 REGISTER~Af WILLS USA ONLY - ~ 4~ -,-, _. ,~ ___ ~~ _ ;r7 ^- ._ _.., - c . ~.,-_ _.~ _ ~ , -., , , C T-FILED - '-~ ~,-~ - 1505610143 J `~ 1505610243 REV-1500 EX Decedent's Social Security Number oe~ede~~'SName: Wienczkowski, Joan W. 211 22 6594 RECAPITULATION 1. Real Estate (Schedule A) ...................................................................................... . 1. 2. Stocks and Bonds (Schedule B) ........................................................................... .. 2. 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C)........ . 3. 4. Mortgages & Notes Receivable (Schedule D) ...................................................... .. 4. 5• Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E) ............. .. 5. 3 , 640.0 6 6. Jointly Owned Property (Schedule F) ^ Separate Billing Requested........... . 6. 7. Inter-Vivos Transfers & Miscellaneous fin,-Probate Property (Schedule G) U Separate Billing Requested........... . 7. 8. Total Gross Assets (total Lines 1-7) ................................................................... .. 8. 3 , 640.0 6 9. Funeral Expenses & Administrative Costs (Schedule H) ............................... ........ 9. 12 , 434 .22 10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I) ...................... ........ 10. 11 , 053.12 11. Total Deductions (total Lines 9 & 10) ........................................................... ........ 11. 23 , 487.34 12• Net Value of Estate (Line 8 minus Line 11) .................................................. ........ 12. -19 , 8 4 7 . 2 8 13. Charitable and Governmental Bequests/Sec 9113 Trusts for which an election to tax has not been made (Schedule J) ....................................... ........ 13. 14. Net Value Subject to Tax (Line 12 minus Line 13) ...................................... ......... 14. -19 , 8 4 7 . 2 8 TAX COMPUTATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 15 (a)(1.2) X .00 . 16. Amount of Line 14 taxable 0 . 0 0 16. at lineal rate X .045 17. Amount of Line 14 taxable 0 . 0 0 17. at sibling rate X .12 18. Amount of Line 14 taxable 0 . 0 0 18. at collateral rate X .15 19. Tax Due ................................................................................................................. . 19. 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT. Side 2 1505610243 1505610243 0.00 0.00 0.00 0.00 0.00 J REV-1500 EX Page 3 Decedent's Complete Address: File Number 21-11-0110 DECEDENT'S NAME Wienczkowski, Joan W. STREET ADDRESS 2100 Cedar Run Drive, Apt. 205 CITY Camp Hill STATE PA ZIP 17011 Tax Payments and Credits: 1. Tax Due (Page 2, Line 19) 2. Credits/Payments A. Prior Payments B. Discount 0.00 3. Interest 4, If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. Check box 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. Make Check Payable to: REGISTER OF WILLS, AGENT. (1) 0.00 0.00 ~.~0 Total Credits (A + B) (2) (3) (4) (5) 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 :.................................. ^ ^x x c. retain a reversionary interest; or .............................................................................................................. d. receive the promise for life of either payments, benefits or care? ............................................................ ^ ^x 2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without receiving adequate consideration? .................................................................................................................... ^ ^x 3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death?....... ^ ^x 4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which ^ ^ contains a beneficiary designation? .................................................................................................................. x 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 January 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 (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. Rev-1508 EX+(6-98) SCHEDULE E CASH, BANK DEPOSITS, & MISC. PERSONAL PROPERTY COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Wienczkowski, Joan W. 21-11-0110 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly-owned with the right of survivorship must be disclosed on schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 Cash on hand 91.91 2 PSECU -Savings Account No. S1 249.45 3 PSECU -Checking Account No. S4 1,184.77 4 Durable Medical Equipment -donation to St. Stephen's Episcopal Cathedral 100.00 5 Goodwill -clothing, personal items 628.00 6 Goodwill -clothing 455.00 7 New Digs Ministry -household goods, furniture 834.00 8 Comcast Financial Agency -refund 2.12 9 Motorist Mutual Insurance Co. -refund 81.77 10 MX Energy -refund 6.64 11 Verizon 6.40 TOTAL (Also enter on Line 5, Recapitulation) I 3,640.06 (If more space is needed, additional pages of the same size) Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule E (Rev. 6-98) REV-1151 EX+(10-06) COMMNHERETAN~ T~ERETUYRN ANIA RE IDEN DE EDENT SCHEDULE H FUNERAL EXPENSES & ADMINISTRATIVE COSTS ESTATE OF FILE NUMBER Wienczkowski, Joan W. 21-11-0110 Debts of decedent must be reported on Schedule I. ITEM DESCRIPTION AMOUNT N MBER A, FUNERAL EXPENSES: See continuation schedule(s) attached B. 1 ADMINISTRATIVE COSTS: Personal Representative's Commissions Name of Personal Representative(s) Richard A. Breach Street Address 1704 Cornell Road City Camp Hill State PA ZiD 17011 Year(sl Commission paid 2. Attorney's Fees Boswell, Tintner 8- Piccola 3, Family Exemption: (If decedent's address is not the same as claimant's, attach explanation) Claimant Street Address City State Ziq Relationship of Claimant to Decedent 9,867.35 Waived 1,500.00 4. Probate Fees Cumberland County Register of Wills 89.50 5. Accountant's Fees 6. Tax Return Preparer's Fees 7. Other Administrative Costs 977.37 See continuation schedule(s) attached TOTAL (Also enter on line 9, Recapitulation) 12,434.22 Copyright (c) 2009 form software only The Lackner Group, Inc. Form PA-1500 Schedule H (Rev. 10-06) SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS continued ESTATE OF FILE NUMBER Wienczkowski, Joan W. 21-11-0110 ITEM NUMBER DESCRIPTION AMOUNT 1 Funeral Ex en nses Brackendorf Memorials - gravemarker 195.00 2 Myers Harner Funeral Home -funeral 8,197.00 3 Rolling Green Cemetery -Interment 1,395.00 4 St. Theresa's Parish -funeral meal 80.35 H-A 9,867.35 5 Other Administrative Costs Boswell, Tintner &Piccola -disbursements 25.00 6 Boswell, Tintner &Piccola -closing costs 100.00 7 Cumberland County Law Journal -legal advertising 75.00 8 Richard Breach -Moving expense, photocopies, supplies, etc. 526.83 9 The Sentinel -legal advertising 250.54 H-B7 977.37 Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H (Rev. 6-98) Rev-1512 EX+ (12-08) SCHEDULE 1 DEBTS OF DECEDENT, MORTGAGE LIABILITIES, & LIENS COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Wienczkowski, Joan W. 21-11-0110 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 Critical Signal Technology -monthly life monitor 236.40 2 Cumberland County Aging & Community Services 28.40 3 Cumberland County Department of Aging 45.44 4 Lower Allen Township - 2010 per capita tax 10.00 5 ManorCare -beauty/barber/TSI - Transworld System, Inc. 30.00 6 Medco -prescriptions 102.00 7 PP&L 249.02 8 PSECU -Signature Loan No. L20 2,326.58 9 PSECU -Visa Loan No. L9 7,627.13 10 PSERS -retirement overpayment reimbursement 200.13 11 West Shore EMS -transport 133.83 12 West Shore EMS -transport 64.19 TOTAL (Also enter on Line 10, Recapitulation) I 11,053.12 (If more space is needed, additional pages of the same size) Copyright (c) 2009 form software only The Lackner Group, Inc. Form PA-1500 Schedule I (Rev. 12-08) REV-1513 EX+111-OS) SCHEDULE J COM INORESTDENTEDECEDEN~RLNANIA BENEFICIARIES ESTATE OF FILE NUMBER Wienczkowski, Joan W. ~ 21-11-01 10 NAME AND ADDRESS OF RELATIONSHIP TO SHARE OF ESTATE AMOUNT OF ESTATE NUMBER PERSON(S) RECEIVING PROPERTY DECEDENT (Words) ($$$) I TAXABLE DISTRIBUTIONS [include outright spousal ~ distributions, and transfers under Sec. 9116 a 1.2 Kim P. Breach Daughter-in-Law 1704 Cornell Road Camp Hill, PA 17011 Nathan R. Breach Grandson 121 Mountain Road Shermans Dale, PA 17090 Richard A. Breach Son 100% of 1704 Cornell Road residuary estate Camp Hill, PA 17011 Total Enter dollar amounts for distributions shown above on lines 15 throw h 18 on Rev 15 00 cover sheet, as a ro riate. NON-TAXABLE DISTRIBUTIONS: II. A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEETI Copyright (c) 2009 form software only The Lackner Group, Inc. Form PA-1500 Schedule J (Rev. 11-08) LAST WILL OF JOAN W. WIENCZKOWSKI Jeffrey R. Boswell, Esquire Boswell, Tintner, Piccola & Alford 315 N. Front St. P.O. Box 741 Harrisburg, Pennsylvania 17108-0741 (717) 236-9377 ~~.~ " ~-, ;t. - ~.,, ,~ r: fr LAST WILL AND TESTAMENTC ~ ~'rf +,''~ , ;~ ~~ OF ~ , {,r r JOAN W. WIENCZKOWSKI Introductory Clause. I, JOAN W. WIENCZKOWSKI, a resident of and domiciled in the Township of Lower Allen, County of Cumberland and Commonwealth of Pennsylvania, do hereby make, publish and declare this to be my Last Will and Testament, hereby revoking all Wills and Codicils at any time heretofore made by me. I have one living child: RICHARD A. BREACH. ITEM I Direction to Pay Debts. I direct that all my legally enforceable debts, secured and unsecured, be paid as soon as practicable after my death. ITEM II Direction to Pay All Taxes from Residuary Estate. I direct that all estate, inheritance, succession, death or similar taxes assessed with respect to my estate herein disposed of, or any part thereof, or on any bequest or devise contained in this my Last Will (which term wherever used herein shall include any Codicil hereto), or on any insurance upon my life or on any property held jointly by me with another or on any transfer made by me during my lifetime or on any other property or interests in property included in my estate for such tax purposes be paid out of my residuary estate and shall not be charged to or against any recipient, beneficiary, transferee or owner of any such property or interests in property included in my estate for such tax purposes. ITEM III Bequest of Specific Items of Personal Effects. I give and bequeath to RICHARD A. BREACH, KIM P. BREACH, AND NATHAN R. BREACH, equally, if they shall survive me, my wall-hung pendulum clock, the encased United States flag, the hand-painted china, including, but not limited to the sandwich plate, serving tray, and vase, and the Hummel figurines. If any of them shall not survive me, then I give and bequeath these personal effects to the survivor of them, equally. Last Will and Testament of JOAN W. WIENCZKOWSKI Page 1 ITEM IV General Bequest of Personal and Household Effects With a Precatory Memorandum. I give and bequeath all my personal and household effects of every kind including but not limited to furniture, appliances, furnishings, pictures, silverware, china, glass, books, jewelry, wearing apparel, automobiles, and other vehicles, and all policies of fire, burglary, property damage, and other insurance on or in connection with the use of this property, to my son if he shall survive me. If my son shall not survive me, the issue of my son surviving me, shall take per stirpes the share my son would have taken had he survived me. If my issue do not agree to the division of the property among themselves, my Personal Representative shall make such division among them, the decision of my Personal Representative to be in all respects binding upon my issue. I request that my Personal Representative, my son and my issue abide by any memorandum by me directing the disposition of this property or any part thereof. This request is Precatory and not mandatory. If ar~y beneficiary hereunder is a miner, my Personal Representative may distribute such minor's share to such minor or for such minor's use to any person with whom such minor is residing or who has the care or control of such minor without further responsibility and the receipt of the person to whom it is distributed shall be a complete discharge of my Personal Representative. The cost of packing and shipping such property shall be charged against my estate as an expense of administration. ITEM V Outright Gift of Residuary. I give, devise and bequeath all the rest, residue and remainder of my property of every kind and description (including lapsed legacies and devises) wherever situate and whether acquired before or after the execution of this Will to RICHARD A. BREACH, per stirpes. ITEM VI Naming the Personal Representative, Personal Representative Succession, Personal Representative's Fees and Other Matters. The provisions for naming the Personal Representative, Personal Representative succession, Personal Representative's fees and other matters are set forth below: (1) Naming an Individual Personal Representative. I hereby nominate, constitute and appoint as Personal Representative of this my Last Will and Testament RICHARD A. BREACH and direct that he shall serve without bond. (2) Naming Individual Successor or Substitute Personal Representative. If my individual Personal Representative should fail to qualify as Personal Representative hereunder, or for any reason should cease to act in such capacity, the successor or substitute Personal Representative who shall also serve without bond shall be NATHAN R. BREACH. Last Will and Testament of JOAN W. WIENCZKOWSKI Page 2 (3) Fee Schedule for Individual Personal Representative. For its services as Personal Representative, the individual Personal Representative shall receive reasonable compensation for the services rendered and reimbursement for reasonable expenses. ITEM VII Definition of Personal Representative. Whenever the word "Personal Representative" or any modifying or substituted pronoun therefor is used in this my Will, such words and respective pronouns shall include both the singular and the plural, the masculine, feminine and neuter gender thereof, and shall apply equally to the Personal Representative named herein and to any successor or substitute Personal Representative acting hereunder, and such successor or substitute Personal Representative shall possess all the rights, powers and duties, authority and responsibility conferred upon the Personal Representative originally named herein. ITEM VIII Powers for Personal Representative. By way of illustration and not of limitation and in addition to any inherent, implied or statutory powers granted to Personal Representatives generally, my Personal Representative is specifically authorized and empowered with respect to any property, real or personal, at any time held under any provision of this my Will: to allot, allocate between principal and income, assign, borrow, buy, care for, collect, compromise claims, contract with respect to, continue any business of mine, convey, convert, deal with, dispose of, enter into, exchange, hold, improve, incorporate any business of mine, invest, lease, manage, mortgage, grant and exercise options with respect to, take possession of, pledge, receive, release, repair, sell, sue for, to make distributions or divisions in cash or in kind or partly in each without regard to the income tax basis of such asset, and in general, to exercise all the powers in the management of my Estate which any individual could exercise in the management of similar property owned in his or her own right, upon such terms and conditions as to my Personal Representative may seem best, and to execute and deliver any and all instruments and to do all acts which my Personal Representative may deem proper or necessary to carry out the purposes of this my Will, without being limited in any way by the specific grants of power made, and without the necessity of a court order. ITEM IX Definitions of Family. The following definitions shall be used to define the family: (1) Definition of Children. For purposes of this Will, "children" means the lawful blood descendants in the first degree of the parent designated; and "issue" and "descendants" mean the lawful blood descendants in any degree of the ancestor designated. The terms "child," "children," "issue," "descendant" and "descendants" or those terms preceded by the terms "living" or "then living" shall include the lawful blood descendant in the first degree of the parent designated even though such descendant is born after the death of such parent. Last Will and Testament of JOAN W. WIENCZKOWSKI Page 3 PROOF OF WILL COMMONWEALTH OF PENNSYLVANIA COUNTY OF DAUPHIN Self-Proving Affidavit We, JOAN W. WIENCZKOWSKI, and Jeffrey R. Boswell and Denise L. Foster ,the Testatrix and the witnesses, respectively, whose names are signed to the attached or foregoing instrument, being first duly sworn, do hereby declare to the undersigned authority that the Testatrix signed and executed the instrument as her Last Will and that she had signed willingly (or willingly directed another to sign for her), and that she executed it as her free and voluntary act for the purposes therein expressed, and that each of the witnesses, in the presence and hearing of the Testatrix, and in the presence of each other, signed the Will as witness and to the best of our knowledge the Testatrix was at that time eighteen years of age or older, of sound mind, and under no constraint or undue influence. JOAN W. WIENCZKO SKI ~~ v Witness Subscribed, sworn to, and acknowledged before me by JOAN W. WIENCZKOWSKI, the Testatrix and subscribed and sworn to before me by Jeffrey R. Boswell and Denise L. Foster ,witnesses, this 6th day of October, 2004. ',~~ ~ Se~,.l) Notary Public for Pennsylvania My Commission Expires: ~ C~ ~u ~ Notarial seal Corriie L Harciy, Notary Public City OF Fisrtisbu~g, Dauphin County My Qomrrassior~ Expires Feb. 10, 2007 Member, Perxisytvania ~ (~ tJotaries Last Will and Testament of JOAN W. WIENCZKOWSKI Page 5 (2) Definition of Per Stirpes. The term "per stirpes" as used herein has the identical meaning as the term "taking by representation" as defined in the Pennsylvania Probate Code. Testimonium Clause. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my seal this ~ day of October, 2004. ~'~~ ~ ,~(~~ l~'~ ~U~ (SEAL) `' JOA:~1 W. V6~IE1~1C ®'~YSI~I Attestation Clause. The foregoing Will was this ~'~ day of October, 2004, signed, sealed, published and declared by the Testatrix as and for her Last Will and Testament in our presence, and we, at her request and in her presence, and in the presence of each other, have hereunto subscribed our names as witnesses on the above date. ~~~~~~'~-- of ~~-.~ ~-~~ , 9-~~~~-r'.'"~,,'4'~' . of _ ~~~ /7~~ ~P~~Jy ~fi~nlc Last Will and Testament of JOAN W. WIENCZKOWSKI Page 4 PSEC~k Boswell, Tintner & Piccola Counselors at Law 315 North Front Street P.O. Box 741 Harrisburg, PA 17108-0741 Re: Joan W 1~'ie:=czke~vski, Deceased. Account# 0211226594 Dear Mr. Boswell February 3, 2011 The account was opened on January 12, 1981. The Share accounts were held solely by Joan W Wienczkowski. The loans were held solely by Joan W Wienczkowski. The following are the Date of Death Balances for Ms. Wienczkowski's account with PSECU: Account Date of Death Balances Interest -January 1-15 Savings (S 1) $ 249.41 $ 0.04 Vacation (S2) $ 0.00 $ 0.00 Checking (S4) $1,184.69 $ 0.08 Loans: Signature Loan (L20) $ 2,326.58 Visa Loan (L9) $ 7,627.13 PSECU hold offset rights, The funds in the Share balances will be offset to the outstanding Signature loan. h ~3 ~~g~~~ If you have any questions, please contact me at (717) 234-8484 or toll-free at (800) 237- 7328, then press 6, extension 3120. Si cerely, s ~J _ Roxann Myers ~ Service Advisor PSECU Z ~ Pennsylvania State Employees Credit Union Main Address: 1 Credit Union Place, Harrisburg, PA 1 71 1 0-2990 • 717.234.8484 • 800.237.7328 Mailing Address: P.O. Box 67013, Harrisburg, PA 171 Ob-7013 • 717.777.2100 (TDD) • 800.472.1967 (TDD) psecu.com This credit union is federally insured by the National Credit Union Administration. Equal Opportunity Lender ~(K~vor~ ~ ~ ~ ~f ~~