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HomeMy WebLinkAbout07-25-1115D561D143 REV-1500 Ex (01_,0, OFFICIAL USE ONLY PA Department of Revenue pennsylvania County Code Year File Number Bureau of Individual Taxes DEPARTMENT OF REVENUE PO 60X.280601 INHERITANCE TAX RETURN 21 11 466 Harrisburg, PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death Date of Birth 205 07 0468 04 08 2011 06 13 1919 Decedent's Last Name Suffix Decedent's First Name MI LURES MARY 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 'L~ 1, Original Return ~ 2, Supplemental Return C~ 3. Remainder Return (date of death prior to 12-13-82) ~ ~ 4. Limited Estate ~ ~ 4a Future Interest Compromise (date of death after 12-12-82) ~~ 5. Federal Estate Tax Return Required rX~ 6 Decedent Died Testate l (Attach Copy of Will) ~ ~ Decedent Maintained a Living Trust (Attach Copy of Trust) g• Total Number of Safe De osit Boxes p r ~ j g. Litigation Proceeds Received ~ Spousal Poverty Credit date of death 1 ~• between 12-3191 and 1(-1-95) ~ ~ 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 MICHAEL L BANGS 717 730 7310 First line of address 429 SOUTH 18TH STREET Second line of address State ZIP Code PA 17011 a.'7 _,-i ~~ ~. _. City or Post Office CAMP HILL REGISTER OF WILLS USE ONLY C7 r ,~~ ::=' ~,. Q _ -_ t i :a ~ . 4..:~ ..rte ~~~~ U7 ~r _ DAT~E:BICED c~°~ --~, Correspondent's a-mail address: Under penalties 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. Declaration of preparer other than the personal representative Is based on all information of which preparer has any knowledge. SIGNATURE OF PErR50N RESPONSIBLE FOR FILING RETURN DATE ~_ . [.~- Joseph C. Ludes ~,~,~' ~ % ! ~ ADDRES~ 10375 Church Street it 17 Rancho Cucamon a CA 91730 SI TURE OF PREPAR R~THEf~ AN REPRESENTATIVE DATE f//~ Michael L. Bangs ~~ '~ ADDRESS 429 South 18th Street, Camp Hill, PA 17011 Side 1 1505610143 1505610143 J J 150561D243 REV-1500 EX Decedent's Social Security Number Decedent's Name: LUdeS, Mary W. 2 0 5 0 7 0 4 68 RECAPITULATION 1. Real Estate (Schedule A) ....................................................................................... 1. 52,822.00 2. Stocks and Bonds (Schedule B) ............................................................................. 2. 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C)......... 3. 4. Mortgages 8 Notes Receivable (Schedule D) ........................................................ 4. 5~ Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E) ............... 5. 15,010.07 6. Jointly Owned Property (Schedule F) ^ Separate Billing Requested............ 6. 7. Inter-Vivos Transfers & Miscellaneous lyQn; Probate Property arate Billin Se Re ested S h d l G 6 0 9 019.2 8 ~ p g qu ............ ( c e u e ) X 7. g. Total Gross Assets (total Lines 1-7) ..................................................................... g. 6 7 6 , 8 51.3 5 ---- - 13,345.83 9. Funeral Expenses ~ Administrative Costs (Schedule H) ....................................... 9. 285.32 10. Debts of Decedent, Mortgage Liabilities, 8~ Liens (Schedule I) .............................. 10. 11. Total Deductions (total Lines 9 8~ 10) ................................................................... 11. 13,631.15 12. Net Value of Estate (Line 8 minus Line 11) .......................................................... 12. 663,220.20 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. 663 , 220 - 20 TAX COMPUTATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 15 0 00 (a)(1.2) X .00 . . 16. Amount of Line 14 taxable 663 220.20 16 29 844.91 at lineal rate X .045 ~ . ~ 17. Amount of Line 14 taxable 17 0 0 0 at sibling rate X .12 . . 18. Amount of Line 14 taxable 0 0 0 18 0 0 0 . at collateral rate X .1 5 . . 19. Tax Due ........................................................................................................... 19. 2 9 , 8 4 4.91 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT. ^ Side 2 1505610243 1505610243 REV-1500 EX Page 3 Decedent's Complete Address: File Number 21-11-466 DECEDENT'S NAME Ludes, Mary W. STREET ADDRESS 4905 E. Trindle Road CITY Mechanicsburg STATE PA ZIP 17050 Tax Payments and Credits: 1. Tax Due (Page 2, Line 19) (1) 29,844.91 2. Credits/Payments A. Prior Payments 28,352.66 B. Discount 1,492.25 Total Credits (A + B) (2) 29,844.91 3. Interest (3) 4, If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. (4) 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. (5) ~.~~ 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 occurred after December 12, 1982, did decedent transfer property within one year of death without __ receiving adequate consideration? .................................................................................................................... [~ I x I 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 II _.~ contains a beneficiary designation? .................................................................................................................. L~ ^ 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-1503 EX+ (6-98) SCHEDULE B w STOCKS & BONDS COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Ludes, Mary W. 21-11-466 All property jointly-owned with right of survivorship must be disclosed on Schedule F. ITEM NUMBER CUSIP NUMBER DESCRIPTION UNIT VALUE VALUE AT DATE OF DEATH 1 1,400 shares of Verizon Communications -1400 shares 37.73 52,822.00 (mean value) TOTAL (Also enter on Line 2, Recapitulation) 52,822.00 (It more space is needed, additional pages of the same size) Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule B (Rev. 6-98) Rev-1508 EX+ (6-98) SCHEDULE E L CASH, BANK DEPOSITS, & MISC. PERSONAL PROPERTY COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Ludes, Mary W. 21-11-466 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 NUMBER DESCRIPTION VALUE AT DATE OF DEATH 1 BELCO Community Credit Union -Savings Account 7,899.37 2 BELCO Community Credit Union -Savings Account 1,429.80 3 BELCO Community Credit Union -Money Market 2,257.62 4 Refund -Refund of unearned premium from AFS<L Insurance Company 27.60 5 Refund from Country Meadows Associates 3,377.52 6 Refund from The Patriot News 13.75 7 I Verizon benefit 4.41 TOTAL (Also enter on Line 5, Recapitulation) I 15,010.07 (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-1510 EX+ (6-98) SCHEDULE G INTER-VIVOS TRANSFERS & MISC. NON-PROBATE PROPERTY COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF W. FILE NUMBER 21-11-466 Ludes This schedule must be completed and filed if the answer to any of questions 1 through 4 on the reverse side of the REV-1500 COVER SHEET is yes. ITEM NUMBER DESCRIPTION OF PROPERTY THE ATE OFnTRANSFERSATTACii A COPY OF TORE DEED FOOREREAL ESTATE. DATE OF DEATH VALUE OF ASSET °i° OF DECD'S INTEREST EXCLUSION (IF APPLICABLE) TAXABLE VALUE 1 BELCO Community Credit Union -IRA Account 9,423.80 9,423.80 2 Franklin Templeton - FT Hard Currency - A (TOD 31,828.61 31,828.61 account to son, Joseph C. Ludes) 3 Franklin Templeton -Franklin Gold 8~ Precious Metals 82,534.75 82,534.75 - B (TOD account to son, Joseph C. Ludes) 4 Franklin Templeton -Franklin Money - A (TOD accoun 1.00 1.00 to son, Joseph C. Ludes) 5 Franklin Templeton -Franklin Natural Resources - A 26,799.89 26,799.89 (TOD account to son, Joseph C. Ludes) 6 Franklin Templeton -Templeton China World - B (TOD 10,517.77 10,517.77 account to son, Joseph C. Ludes) 7 Franklin Templeton -Templeton Global Bond - A (TOD 40,840.42 40,840.42 account to son, Joseph C. Ludes) 8 Security Benefit Life -Security Benefit Life 407,073.04 407,073.04 Advisordesigns Variable Annuity -Joseph Ludes (son) is the beneficiary of 59% of this annuity (total date of death value $689,954.31) TOTAL (Also enter on Line 7, Recapitulation) I 609,019.28 (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 G (Rev. 6-98) Rev-1510 EX+ (6-98) ~. SCHEDULE G sy INTER-VIVOS TRANSFERS & MISC. NON-PROBATE PROPERTY COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Ludes, Mari W. 21-11-466 This schedule must be completed and filed if the answer to any of questions 1 through 4 on the reverse side of the REV-1500 COVER SHEET is yes. ITEM NUMBER DESCRIPTION OF PROPERTY THE DATE OF TRANSFERSATRAC A COPYEOF TIOHE DEIED FOOR REAL ESTATDE. DATE OF DEATH VALUE OF ASSET °r° OF DECD'S INTEREST EXCLUSION (IF APPLICABLE) TAXABLE VALUE 1 Security Benefit Life Advisordesigns Variable Annuity 62,095.89 100.000% 0.00 62,095.89 - Elizabeth Sariano Berdel (niece of decedent) is the beneficiary of 9°./° of this annuity (total date of death value $689,954.31). Please bill Elizabeth Sariano Berdel directly for this asset as the estate is not responsible to collect the to due. Elizabeth Sariano Berdel 20 Kohler Lane Etters, PA 17319 2 Security Benefit Life Advisordesigns Variable Annuity 41,397.26 100.000% 0.00 41,397.26 -Jackie Grzywacz (niece of decedent) is the beneficiary of 6% of this annuity (total date of death value $689,954.31). Please bill Jackie Grzywacz directly for this asset as the estate is not responsible to collect the tax due. Jackie Grzywacz 120 Astor Drive Harleysville, PA 19438-2028 3 Security Benefit Life Advisordesigns Variable Annuity 41,397.26 100.000% 0.00 41,397.26 - Valerie Kline (niece of decedent) is the beneficiary of 6% of this annuity (total date of death value $689,954.31). Please bill Valerie Kline directly for this asset as the estate is not responsible to collect the tax due. Valerie Kline 9 Winthrop Drive Darby, PA 19203 Total of Continuation Schedules See attached a es TOTAL (Also enter on Line 7, Recapitulation) I (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 G (Rev. 6-98) Rev-1510 EX+ (6-98) SCHEDULE G ,` INTER-VIVOS TRANSFERS & MISC. NON-PROBATE PROPERTY COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN continued RESIDENT DECEDENT ESTATE OF FILE NUMBER Ludes, Mary W. 21-11-466 ITEM NUMBER DESCRIPTION OF PROPERTY THE DATE OF TRANSFERSATTACH A CO Y OF TI HOE DEIED OR REAL ESTATE. DATE OF DEATH VALUE OF ASSET °i° OF DECD'S INTEREST EXCLUSION (IF APPLICABLE) TAXABLE VALUE 4 Security Benefit Life Advisordesigns Variable Annuity 48,296.80 100.000% 0.00 48,296.80 -Michael Todd Sariano (nephew of decedent) is the beneficiary of 7% of this annuity (total date of death value $689,954.31). Please bill Michael Todd Sariano directly for this asset as the estate is not responsible to collect the tax due. Michael Todd Sariano c/o Elizabeth Sariano Berdel 20 Kohler Lane Etters, PA 17319 5 Security Benefit Life Advisordesigns Variable Annuity 41,397.26 100.000% 0.00 41,397.26 -Joan Strouse (niece of decedent) is the beneficiary of 6% of this annuity (total date of death value $689,954.31). Please bill Joan Strouse directly for this asset as the estate is not responsible to collect the tax due. Joan Strouse 1048 West Mt. Vernon Street Lansdale, PA 19946 Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule G (Rev. 6-98) Rev-1510 EX+ (6-98) SCHEDULE G sL INTER-VIVOS TRANSFERS & MISC. NON-PROBATE PROPERTY COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN continued RESIDENT DECEDENT ESTATE OF FILE NUMBER Ludes, Mary W. 21-11-466 ITEM NUMBER DESCRIPTION OF PROPERTY THE DATE OF TRANSFERSATTACNTA CO Y OF TI HOE DEIED FOOREREAL ESTATE. DATE OF DEATH VALUE OF ASSET °i° OF DECD'S INTEREST EXCLUSION (IF APPLICABLE) TAXABLE VALUE 6 Security Benefit Life Advisordesigns Variable Annuity 48,296.80 100.000% 0.00 48,296.80 - Robert Emmett Waldron (brother of decedent) is the beneficiary of 7% of this annuity (total date of death value $689,954.31). Please bill Robert Emmett Waldron directly for this asset as the estate is not responsible to collect theta due. Robert Emmett Waldron 1710 Howe Lane Maple Glen, PA 19002 TOTAL (Also enter on Line 7, Recapitulation) I 282,881.27 Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule G (Rev. 6-98) REV-1151 EX+ (10-06) COMMONWEALTH OF PENNSYLVANIA INHERITAN E T RETURN RESIDENT DE EDENT SCHEDULE H FUNERAL EXPENSES & ADMINISTRATIVE COSTS ESTATE OF FILE NUMBER Ludes, Mary W. 21-11-466 Debts of decedent must be reported on Schedule I. ITEM DESCRIPTION AMOUNT N MB R A. FUNERAL EXPENSES: See continuation schedule(s) attached ~ 5,748.45 B. ADMINISTRATIVE COSTS: 1. Personal Representative's Commissions Name of Personal Representative(s) Street Address City State Zio Yearlsl Commission paid 2. Attorney's Fees Michael L. Bangs 5,500.00 3. Family Exemption:. (If decedent's address is not the same as claimant's, attach explanation) Claimant Street Address City State Zio Relationship of Claimant to Decedent 4. Probate Fees 473.50 5. Accountant's Fees 6. Tax Return Preparer's Fees 7. Other Administrative Costs 1,623.88 See continuation schedule(s) attached TOTAL (Also enter on line 9, Recapitulation) 13,345.83 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 Ludes, Mary W. 21-11-466 ITEM NUMBER DESCRIPTION AMOUNT Funeral Ex ep nses 1 Good Shepherd Church -funeral luncheon 300.00 2 Musselman Funeral Home 5,448.45 H-A 5,748.45 Other Administrative Costs 3 Cumberland Law Journal -estate advertising 75.00 4 Joseph Ludes -reimbursement for travel expenses (executor lives in California) 1,403.82 5 The Sentinel -estate advertisement 145.06 H-B7 1,623.88 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 Ludes, Mary W. 21-11-466 Report debts incurred by the decedent prior to death that remained unpaid at the date of death, including unreimbursed medical expenses. (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+ (11-08) SCHEDULE J COM IN~ ERITANCE~E PP RET~jRNANIA BENEFICIARIES RESIDENT DECEDENT ESTATE OF Ludes, Mary W. FILE NUMBER 21-11-466 NAME AND ADDRESS OF RELATIONSHIP TO SHARE OF ESTATE AMOUNT OF ESTATE NUMBER PERSON(S) RECEIVING PROPERTY DECEDENT (Words) ($$$) I TAXABLE DISTRIBUTIONS [include outright spousal • distributions, and transfers under Sec. 9116 a 1.2 1 Elizabeth Sariano Berdel Niece 20 Kohler Lane Etters, PA 17319 2 Jackie Grzywacz Niece 120 Astor Drive Harleysville, PA 19438-2028 3 Valerie Kline Niece 9 Winthrop Drive Darby, PA 19203 4 Joseph Ludes Son 663,220.20 10375 Church Street Unit 17 Rancho Cucamonga, CA 91730 5 Michael Todd Sariano Nephew c/o Beth Berdel 20 Kohler Lane Etters, PA 17319 See continuation schedule attached Continuation Total 663,220.20 Enter dollar amounts for distributions shown above on lines 15 throu h 18 on Rev 150 0 cover sheet, as a r o riate. NON-TAXABLE DISTRIBUTIONS: II. A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET Copyright (c) 2009 form software only The Lackner Group, Inc. Form PA-1500 Schedule J (Rev. 11-08) SCHEDULE J BENEFICIARIES (Part I, Taxable Distributions) ESTATE OF: Mary W. Ludes 04/08/2011 205-07-0468 Item Name and Address of Person(s) Share of Estate Amount of Estate Number Receiving Property Relationship (Words) ($$$) 6 Joan Strouse Niece 1048 West Mt. Vernon Street Lansdale, PA 19446 7 Robert Emmett Waldron Brother 1710 Howe Lane Maple Glen, PA 19002 Tota I 1 r ~.~~:_~~ ~~~~ `~~ MARY W LUDES Accounts Address: 4833 E TRINDLE RD STE 507 Fr MECNANlCSBIJRG PA 17050-3652 ~N ~ j Totals as af: 03/31/2011 ~' ~ $ Price as of Value Subtotal: $186,168.34 10.03 $31,452.31 03!31 /2011 45.72 $77,675.77 03/31 /2011 Franklin Gold $ Precious Metals - B 11121548013 111 FRANKL{N TEMPLETON MARY W LUDES 1.0000 1.00 $1.00 INVESTMENTS TIO/D ~, `" ` 03/31/2011 Franklin Money - A 20311929263 403 FRANKLIN TEMPLETON MARY W LUDES 597.9450 ~ ' ~ 44.53 $26,626.49 INVESTMENTS T/O/D ~,.,~~~ G . °_ 03131/2011 Franklin Natural Resources - A 26841 388 FRANKLIN TEMPLETON MARY W LUDES 250.3040 40.47 $10,129.80 INVESTMENTS T/O/D ~ ~•`' =~"" 03/31/2011 Templeton China World - B 6978166032 406 FRANKLIN TEMPLETON INVESTMENTS MARY W LUDES T!O/D .~ J ,,~ ~. 2,933.9380 ~ :~- 13.73 03/3112011 $40,282.97 Templeton Global Bond - A , firiday, Apri! 1, 2011 Account # Fund r BIN Code investment Description Registration Shares NON-RETIREMENT 21211684578 412 FRANKL{N TEMPLETON MARY W LUDES 3,135.8240 INVESTMENTS T/O/D ~- FT Hard Currency - A ~, ~ 177358 332 FRANKLIN TEMPLETON MARY W LUDES ,.~~: ;"~ -~ ;,1,698.9450 INVESTMENTS T/OID ;~ t- VARIABLE ANNUITIES Subtotal: $fi89,954.31 2030031620 SECURITY BENEFIT LIFE MARY W LUDES 5689,954.31 ADVISORDESIGNS VARIABLE ANNUITY Total Value: $876,'t22.65 Real estate investment trust (REIT) and direct participation program (DPP) account values displayed are those provided by the issuer of the securities. Contact the Issuer for further information and a description of valuation. Information contained herein is based on sources and data believed reliable, but is not guaranteed by us, and is not to be construed as an offer or a solicitation of an offer to buy or sell securities mentioned herein. This is for information purposes only and is not intended to satisfy any compliance ar regulatory conditions set forth by any governing body of the securities industry. The user is responsible for verifying the accuracy of the data received. These reports are not to be used as a substitute for any reports distribu#ed by your mutual fund or variable insurance companies nor any monthly or annual statements by the broker dealer that maintains custody of your account. Copyright ©2091 DST Systems, Inc. All Rights Reserved. Covered by US Patent No. 7,275,046 F, t Bangs Law Office Michael L. Bangs 429 S 18`" St Camp i--fill, PA 17011 Re: Estate of Mary W. Ludes Date of Death: ~ ;aril 8, 2011 Social Security #207-07-0468 Mr. Bangs: As per your request, here is the information you needed regarding Mary W. Ludes' accounts here at Belco. 1. Type of account: Sole account with no joint owners. Mary maintained an active savings, checking, money market and IRA with us until the time she passed. 2. Account number: 012220 3. Name(s) in which the account was maintained: Mary W. Ludes 4. Date accounl: was opened: 05/15/1956 5. Value, including any ac~~rued and unpaid interest as of the date of death: a) Savings: $7,899.37 b) Checking: $1,429.8~~~ c) Money Market: $2,257.62 d) IRA: $9,423.80 The 2011 YTD taxable dividends on the account are $31.01 and the YTD IRA dividends are $42.85. _~. . ; ., "r ~,.t~, ;,;; . .> .,, ; let me know if I can be of any mere assistance. Thank you, ~ ~ ^) __~ ~ ~ , ,~ ~~~ .. -- __ __ - Lauren !1/I. Nale MSR II Camp Hill Branch Belco Community Credit Union X717) 232-3526 ext 5750 ~' ~°~T. .-~. ~ . - ~ .. ~~~ F -.. - f ~ F' ~~' 3,,. a I, MARY W. LUDES, of Hampden Township, Cumberland County, Penn >ylva:c~i~i, declare this to be my last will and revoke any will previously made by me. ITEM I. I direct that all my just debts and funeral expenses, including niy gravy:°rr~arke~r and all expenses of my last illness shall be paid from my residuary estate as soon ~ s pr-a~~;~ticable~ after my death as a part of the expense of the administration of my estate. ITEM II» All estate, inheritance and other death taxes (including interest ~ end p~~~nalties) payable by reason of my death shall be apportioned among, charged to and paid bar the recipients and beneficiaries of the property or interests included in the measure of the tax in ~ he proportion that the net amount of such property or interest bears to the amount of my net esta1i'e. In determining the <~llocation of the tax, the property or interest included in the measure of a particular tax shall be reduced. by any deduction specifically attributable to that property or interest with respect to that tax. The term "net estate" shall mean my gross estate ~~1s d.ef:inf:d for purposes of a particular tax less any deductions (other than the unified credit) allo~~avable for the purposes of that tax. ITEM III. I give and bequeath all of my household goods, automobiles, j~~~welry, and all other articles of household and personal use, equipment and ornament, together with all insurance thereon and relating thereto, to my son JOSEPH C. LUDi~S provided hE~~ survives my death by thirty (30) days. Should my son predecease me or be deceased on the thirty-first day k~ r~/~//,/yJ_ ~ V~ ~t 1 after my death, I give and bequeath all such items and insurance thereon to my niece ELIZABETH ANN SARIANO BERDEL. ITEM IV'. I give, devise, and bequeath all the rest, residue, and remainder of my possessions and estate of every nature and wherever situate to to my son JOSEPH C. LUDES provided he survives my death by thirty (30) days. Should my son predecease me or be deceased on the thirty-first day after my death, I give and bequeath all such items and insura~ice thereon in equal shares to my niece ELIZABETH ANN SARIANO BERDEL. ITEM V. All of the interests of the beneficiaries hereunder shall not be subject. to anticipation or to voluntary or involuntary alienation nor shall they be subject to any execution or attachment. ITEM VI. I appoint my son JOSEPH C. LUDES executor of this my last will. Should my son predecease me or otherwise fail to qualify or cease to serve as executor of this my last will, I appoint my niece ELIZABETH ANN SARIANO BERDEL executrix of this my last will. ITEM VII. In addition to the other powers and authorities granted to my personal representatives by Pennsylvania law and by the other terms and provisions of this will, I hereby give to my personal representatives the following powers and authorities effective without court approval and until actual distribution of all property: to compromise any claim or controversy; to make distribution in cash or in kind, or partly in cash and partly in kind, and in such manner as my personal representatives may determine and at valuations finall~~ to be fixed by them; to invest in all forms of property, including any stock or other securities in any corporate Fduciary or its successor without restriction to investments authorized for Pe~lnsylvania fiduciaries, as my personal representatives deem proper, without regard to any principle of risk or diversification; Z ~, ~; X to retain any or all assets of my estate, real or personal, without regard to any principle of risk or diversification; to sell at public or private sale, to exchange, or to lease for any period of time, any real or personal property and to give options for sales, exchanges, or leases, for such prices and upon such terms or conditions as my personal representatives deem proper; and to allocate receipts and expenses to principal or income or partly to each as my personal representatives deem proper in their sole discretion. ITEM VIII. I direct that my personal representatives and fiduciaries shall not be required to give bond for the faithful performance of their duties in any jurisdiction. ~~~ IN WITNESS WHEREOF, I have hereunto set my hand this - _ day of ~'~- ~ , 2011. ~,~ ~ P ~ 4 7 ~ _ MARY W. L ES 3 The preceding instrument, consisting of this and THREE oti~cr typewritten pages, each identified by the signature of the testatrix was on the date thereof sif ,pled, published, and declared by MARY W. Lt1DES, the testatrix therein named, as and for her last will, in the presence of us, who at her request, in her presence, and in the presence of each other, have subscribed our names as witnesses hereto. ~i~_ 4 COMMONWEALTH OF PENNSYLVANIA ) ( SS: COUNTY OF CUMBERLAND ) The undersigned, being the testatrix whose name is signed to the attached or foregoing instrument, having been duly qualified according to law, does hereby acknowledge that I signed and executed the foregoing instrument as my last will, that I signed it willingly; and that I signed it as my free and voluntary act for the purposes therein expressed. ~~ MARY W. LUD Swo~-:r or affirmed to and. acknowledged h~ -bre ~;~e by to t trix named above COMMONWEALTH OF PENNSYLV~`+l`1~'~ ti~is day o ~; ~ 2011. Noerial seal vVendy K. Staub, P.bEary PutUic Lower Allen Twp., Curr~r~rxi C;a.it',fv ~ My CdnrNssion E~ga+res May 10, 2011 otary Public P8tU18~1Y8t11~ AtiSAGi~tir~n ~f rVal~ties COMMONWEALTH OF PENNSYLVANIA SS: COUNTY OF CUMBERLAND W E, ,l "t ~ ~~~,~ ~. ~ ~.- ,~~~ ~ ,,i~ and ~ ~ 'l/v ~ ~"' ~ the ~ d, witnesses whose names are signed to the attached or foregoing instr ent, being duly qualified according to law, do depose and say that we were present and saw the testatrix sign aid execute the instrument as her last will; that she signed it willingly and that she executed it as her free and voluntary act for the purposes therein expressed; that each of us in the hearing and sight of the I ~statrix signed the will as witnesses; and that to the best of our knowledge, the testatrix was at that ti 7e 18 or more years of age, of sound mind, and under no constraint or undue influence. r %',,. Sworn or uff rmed to n acknowledged befo this y~ _ day of " , 2011. A n~ Notary Public COMMONWEAL ~ OF PENNSY'LVArr~f~ Notarial Seal Wendy K Sb auto Notary F'ukdlc Lower Aden h+~p., Curr~rland County. My C~ E~ires May 10, 2011 P~nn5~lvanlp As~aciatiQn of NAtarie$