HomeMy WebLinkAbout08-29-11'7 -_-,
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IRREVOCABLE LIFE IN THE COURT OF COMMA PLEAS _ r
INSURANCE TRUST AGREEMENT OF CUMBERLAND COUN'~~;~' .° ~. c;
OF W. STEPHEN FORREST AND PENNSYLVANIA ~~ - ' '
CAROLE A. FORREST DATED
APRIL 26,1998 ORPHAN'S COURT DIVISION
PETITION FOR LEAVE OF TRUSTEE TO RESIGN
AND NOW, this ~ day of , 2011, comes the Petitioners, W. Stephen
Forrest and Carole A. Forrest, by and through their counsel Salzmann Hughes, P.C., and file the
within Petition for leave of Trustee to Resign and aver as follows:
1. Petitioners are W. Stephen Forrest and Carole A. Forrest, adult individuals residing at
2251 Longs Gap Road, Carlisle, Cumberland County, Pennsylvania.
2. Petitioners are the Settlors of an Irrevocable Life Insurance Trust Agreement dated April
26, 1998, hereinafter referred to as the "Trust" and attached hereto as Exhibit A.
3. The Trustee of the aforementioned Trust is Wells Fargo Bank, N.A., successor to Core-
State Bank, N.A., a financial institution with Wealth Management offices located at One
West Fourth Street, Winston-Salem, North Carolina. (Hereinafter referred to as Wells
Fargo Bank, N.A.)
4. Petitioners desire Wells Fargo Bank, N.A., to resign as Trustee pursuant to Paragraph
FOUR C. of the Trust since Petitioners are consolidating all of their business and
personal accounts with one financial institution.
5. Wells Fargo Bank, N.A., is willing to resign as seen on the resignation attached hereto
and incorporated herein as Exhibit B.
6. Petitioners nominate Orrstown Bank, with offices at 77 West King Street, Shippensburg,
PA, 17257, for appointment as successor Trustee of the Trust.
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IRR~Vt3~AB~~ I~YFE YNS[JR~AN~'E TRUST AGREEMENT
This irrevocable trust agreement is made in duplicate this ~?G`~'~day of April,
198, between W. Stephen Forrest and Car~ale A,. Forrest, of 2251 l:,ongs Gap
.Road, Cazlisle, Ctunborland County, Pennsylvania, hereinafter called "Settlors;"
artd CoreSrates Bank, N.A., of 30 North Third Street, ~~arrisburg, L7a~tphin
County, I'ennsylva.n;a, hereinafter called "Trustee."
~~ The Settlors have caused or will cause the Trustee to be
designated as the owner of and the benef ciary ofthe proceeds ofthe policies of
insurance listed in Schedule "aA" attached hereto, and hereby transfer to the said
Trustee alI their incidents of ownership in said policies and in any policies issued in
replacement thereof. The Trustee shall hold said policies and the proceeds thereof
or the cash received from th,e surrender thereof, together with any additions th+~reta
as hereinafter provided, as a Trust Fstate, shall invest and reiztvest any assets other
than unmatured insurance policies and shall distribute the net income (hereinafter
called "Income") and principal as set forth in the following provisions.
A. Auring the Settlors' lifetimes, the Trustee may pay any lncame
to the Settlars' children, I-~eather N. Housel and Jillian M. Forrest, in such shares as
it deems advisable, ar may add pt~rtions or all afthe Income to principal and invest
EXHIBIT
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it as such. During each year in which transfers, including the initial funding, are
made directly ar indirectly to the trust, each living child afthe Settlors shall have
the right to withdraw from principal such sums as shall not exceed a per capita
share of such excess transfers, the amount specified in Section 25a3(b) of the
Internal Revenue Code, or the maximum amount specified in Section 2S 1 ~(e),
whichever amount is the smaller. Sack rights ofwithdrawal shall not be cumulative
and shall terminate if not exercised within xhirty (30) clays a#~er the Trustee notifies
the child of the ttansfex. The beneficiaries shall be notified of their powers of
withdrawal in sufficient time to exercise them. Notwithstanding the foregoing, the
Settlors may direct at the time of making the transfer that not all such persons shall
have a right of withdrawal, that such right shall lapse a't a different time, or the
amount ar share which each may withdraw, The Trustee may satisfy any demand
under this Article for a distribution by distributing cash, other assets or fractional
interests in other assets, as the Trustee in its sale discretion deems appropriate,
Without limiting the Trustee's power to select assets to satisfy a demand, the
Settlors prefer that cash or tangible assets be distributed before life insurance
policies ar other intangible assets, unless the Trustee decides that another selection
is warranted. The Trustee's selection as to farm and source of payment shall be
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final and binding an any beneficiary.
B. Upon the death of either Settlor, if any portion ofthe Trust
Estate is included in his or her gross estate for 1~ederal Estate Tax purposes, the
Trustee shall pay to the personal representative of the Settlors's estate or shall pay
directly the additional Federal Estate Tax, if any, resulting from such inclusion,
provided that fwrtds are available in the TnFSt Estate fox said payment tc~ be'rnade.
C. The rest of the Trust Estate apart the death of Settlars shall be
held ar distributed in accordance with the provisions of AsGicle Twa of this Trust
Agreement.
TjNO. Upon the death afthe second of the Settlars to die, the principal
shall be divided into two equal shares for the Settlors' children, Ueather N.1?Tausel
and JiIlia>x M. Forrest, and each share shall be held as a separate trust or, in the case
of a deceased child, shall be distributed as is hereizaafter set Earth.
A. Durixtg the lifetime of each child, the Trustee shall pay the
Income IY'om his ar her trust to or for the benefit of said child, and if the Trustee
considers the income to be insufficient, in view of other readily available hands of
which it has lfnowledge, to provide for the welfare and corafartable support of said
child and her family, including educational and funeral expenses, the Trustee is
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authorized in its discretion to use such sums from principal as it deems advisable
therefore; ~'R~~TI~~D however, chat immediately upon filuding such separate
share in the mist, said child may withdraw all or any part of the principal.
B. Upon xhe death of egch child, if her trust has riot already
terminated, or upon the division into shares under the aforementioned subparagraph
A in the case of a ehiId who is not then living, the principal of said. child's share
steal! be transferred and delivered to or for the benefit of such one or more persons,
carporatioris or other organizations, in such portions ar amounts and subject to such
trusts, terms and conditions as said child may appoint by specific reference to this
Article in her will. If said child does not exercise this power of appointment in full,
the unappainted principal shall be transferred and delivered to his or her then living
issue per stirpes or, ifshe has none, shall be added to the share oFSettlors's other
child who is living or, if deceased, has issue then living and shall be held or
distributed as if the latter share were being set apart at that time; l?Rf3VTDEA,
hawe~ver, that the share of any grandcluld of Setklors under the age oFtwenty~one
(21) years which is more than the amount which may be paid to the natural guardian
of a minor sha11 be retained in a separate trust, as follows:
(1) Until said grandchild's twenty-first (~ 1st) birthday, the
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Trustee may pay to said ~ndchild or tp the person having custody of him ar her,
without liability an the part of Trustee to see to the application thereof, or may
expend directly such sums £rom Income or principal as it deems advisable for his ar
her welfare, comfortable support and education, in view of other income of which it
has knpwledge, and shall add any excess Incptne to principal and invest it as such.
(2} TJpon said grandchild's twenty-first (21st) birthday, the
trust shall terminate, and the grineipal shall be transferred and delivered to him or
her free of trust. In the event of his or her prior death, the principal, including any
accrued ar undistributed Income, shall be transferred and delivered to ax fnr the
benefit of such one or mare persons, corporations or other organizations, including
his or her estate and creditors, in such portions or aQt.punts an subject to such trusts,
terms and conditions as said grandchild may appoint by specific refereboe to this
Article in his or her r~rill; and any unappoix-ted principal and Income shall be
transferred and delivered to said grandchild's surviving children equally ar, if he or
she has Wane, then to the then living issue per stirpes oflus ar her parent who was
the 5ettlars' child, the share of any other grandchild pf the Seniors under such age
to be added to his ar her separate mist.
C. Tf the Settlars have na issue living at the death of the survivor or
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his spouse, his Children, arty grandchildren and him, any remaiz'~ing principa! shall
be transferred and delivered to those persons who would have been entitled thereto
if the Settlers and his wife had each awned ane~half(%) thereofand they had both
died at that time intestate, unmarried and domiciled in Pennsylvania.
A. If axty remainderman under the foregoing provisions is a
minor anal is entitled to a share in excess of the amount which may be paid' to his or
her natural guardian, such slaaxe shall vest is said rema.inderrnan but shall be
retained by the Trustee in a separate trust until the eighteenth (I8th} birthday of said
retnainderman, at which time the trust shall terminate and the principal shall be
transferred and delivered to him or her free of trust. During; such minority period,
the Trustee may pay to the person having custody of said remainderman, without
liability an the part of the Trustee to see to the application thereof, or may upend
duectly so much of the Incau~e and principal as it deems advisable for the welfare,
comfortable support artd education a~'said remairtderman and shall add any excess
.Yncome to principal and invest it as such. Tn the event of the death of said
remainderman daring minority, the Trustee is authorized in its discretion to ;pay part
of all a~f the funeral expenses, and the remaining principal shall be transferred and
deiiv'ered to said remainderman's estate.
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B. The interest of arty benef ciary hereunder, including a
remaY.nderm,arx, in Income or principal shalt not be subject to assignment, alienation,
pledge, attachment or claims of creditors until aver payment has actually been made
by the Trustee as hereinbefore pravided.
C. Upon the death of any Income beneficiary, any hncorne
accrued ar received by the Trustee subsequent to the last Income payment date shall
be paid to the person or persons far whose benefit tha principal producing such
Income in continued in trust or to whom such principal is distributed under the
terms hereaf:
I). Corporate distributions received in shares of the
distributing corporation shall be allocated to principal, regardless of the number of
shares and however described ar designated by the distributing corporation.
~Q A. The Trustee is vested with alI rights of awnershig in the
life insurance policy or policies deposited and held hereunder, including the right to
exercise any option with respect to any dividends accruing thereon. In the case of
any insurance policies which may be issued by Settlars° employex, and which may
be added to the Trust Estate, ifthe Settlors' said employer changes its master plan
carrier, the Trustee shall automatically bect~me the owner of any policy issued as a
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replacement for any policy transferred to it hereunder, and the Settlors ogres to sign
any papers necessary to effectuate the same. In the event of the termination of a
Ssttlor's active employment prior to his ar her death, the Trustee is authorized in its
discretion to convert any policy ar policies of group team life insurance to
individual policies of term insurance or whole life insurance, ar a similar product
then available, oq the Iife of said Settlor or may decline to convert such policies, as
floe Trustee in its sole discretion shall determine, and the Trustee shall have all
I
rights of ownership in the policies resulting from such conversion. The Trustee
shall have na duty to pay premiums on any policies held hereunder, but may use
a,ny available assets for this puxpose. If at any time payment of the premiums is not
being made from any source or if far any other reason the Trustee deems such
action to be inadvisable, the Trustee may exercise any option available to it under
such policies or may surrender one ar more for the cash value thereof ar may
transfer and deliver one ar mare to the persons who would be Xncome beneficiaries
if the Settlars were not living. Upon the death afa Settlor, or at such other time as
may be specified in the policies, the Trustee shall collect the net proceeds of any `~
policies then payable to it. The receipt of the Trustee for moneys received from the
insurance companies an any policies shall release the 'insurance companies from
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liability with respect thereto, and the insurance carnpanies shall be under na duty to
see to the application of such rnAneys. Ths Trustee may take all steps necessary in
its opinion to enforce payment of any policy and shall be entitled to indemnify itself
out of any property held hereunder against all expenses incurred in taking such
action. The actions of the Trustee with respect to any policy held hereunder shall
not be subject to question by any person. Trustee shall incur na liability with
respect to any policy of life insurance held hereunder at auy time, far any action
taken by it, or for its failure to take any action, ixt the exercise in goad faith of the
rights and powers hereinabove conferred upon it with respect to the selection
process of a policy of life insurance, the evaluation of the underlying assets of any
policy from time to time, or the continued retention of any policy.
~. The Trustee shall also have the following powers, in
addition to and not in limitation of those granted by law: to accept assets in kind
.y ixorn the Settlors' estate or elsewhere; to purchase assets from the SettIars' estate; to
lend money to the estate; to retain assets in kind or to sell the same and to invest
and reinvest the proceeds and any other cash in any kind of property, real or '~
personal, ar part interest therein, Iocated in the United States or abrpad, including
interest bearing accounts in or certificates issued by the banking department of any
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corporate Trustee serving, and securities underwritten by syndicates of which the
corporate Trustee is a merrlber but not purchased from the Trustee, all statutory and
other limitations as to the investment of funds, now or hereafter enacted or in force,
being waived; to invest in common trust funds anti proprietary mutual funds of the
corporate trustee, and of it affiliates, subsidiaries and successors; to retain or to
purchase policies of life insurance, to pay premiums thereon from income or
prinoipal and to exercise all rights of ownership thereover; to pledge, exchange ar
mortgage real or personal property and to lease the same for terms exceeding five
(S) years; to give options for sales, leases and $xchartges; to borrow money; to
compromise claims; to vote shares of corporate stock, in person ar by proxy, in
favor of or ag$inst management proposals; to carry securities in the name of a
nominee, including that of a clearing corporation ar depositary, or iri book entry
form or unregistered or in such other form as will pass by delivery; to make
dzviaion or distribution hereunder either in cash or in kind; and, in connection
therewith, to allocate to different shares different kinds of or interests in property
and property having different bases far Federal income tax purposes, all as the '~
Trustee deems equitable. The Trustee is specif tally authorized to accept in kind
and to retain any shares of stock of the Trustee, with no duty an the park of the
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~~~~~
Trustee to review the same for investment purposes, but such shares shall only be
voted on as dixected by a competent adult Income beneficiary of the trust in which
said shares are held. The Trustee shall have no liability for any mistake ar error of
judgment made in good faith. ,
C. The Trustee may resign at any tune, without stating cause,
by petitioning a court of competent jurisdiction to designate and appoint a successor
corpot~te Trustee. Tn case of the merger or consolidation of the Trustee, the
resultant company shall become successor Trustee hereunder without notice to any
p~Y•
A. Trustee shall be entitled to receive annual compensation
far its services hereunder in accordance with its schedule of fees in effect when the
services are pexfQrmed, but not in excess of such compensation as would be
approved by a court of competent jurisdiction, or which would exceed that
permitted by the Internal Revenue Service upon audit, and is authorized in its sole
discretion to sell securities to the extent necessary to pay any partran of such
compensation which is chargeable against principa.lr
~.;, A.. The Settlgxs or ethers may add hereto, by Will, inter
vivps transfer or beneficiary designation, cash or such property in kind as is
MAY-17-2011 TUE 12;29 PM 1dHTB FAX N0. 7177664289 ~ P, 20
acceptable to the Trustee.
B.
The Settlars acknowledge that they understand the
rlati~re of a.r~ irrevocable trust and specifically xenottnce all rights of amendment or
revocation with respect hereto.
Should the principal of any trust herein provided for
become too small, in Trustee's discrexion, so as to make continuance of the'irust
inadvisable, trustee may make immediate distrihr~tian of the then-remaining
principal and any accumulated or undistributed income outright to the person or
persons and in the proportions they are then entitled to income. Upon such
termination the rights of all persons who Haight otherwise have an interest as
succeeding income beneficial or in the remainder shall cease. If any person t~
receive distribution is a minor ac legally incapacitated in any way, Trustee may pay
the fund to the parent, guardian, or individual or organization taking care of that
p~ersan ar, with respect to a minor, Trustee may deposit the fund in a savings
aacorxrtt in the minor's name payable to the rni.nar at majority.
SEVEN: A. As us~l in this Agreement, the singular may `+
include the plural and the plural the singular, and the use of any gender shall be
applicable to all genders. References herein to sections of the Internal Revenue
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Code shAll include corresponding pravisians of subsequent revenue laws.
~. This Agreement has been delivered to and accepted
by the Truskae in the CammonwenIth of Pennsylvania find shall be govcmed in a.ll
respects by the laws o'P a~.id Commonwealth,
Witness the due execution hereof on the day and year aforesaid.
'V4'rTNI~;SS: Settlors:
F
~ ,r
W. Step en Forresk
Carole A. rawest
TR(~'USTEE
Vtca President and Ttust Ofl,iaer
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COMMONALTH OF PENNSYLVANL4 ::
., ss.
CC~CTNTY C3F CERLAND ..
~n this, the,~s~~day of ~. , 1998, before me, the
undersigned oi:~'icer, personalty appeared W. Stephen Forrest and Carole A, Forrest,
husband and vaife, known to me (or satisfactorily proven) to be the persons whose
names are subscribed to the within iristrt.timent as Setfilors, a,rad aclcYtowledged that
they executed it fur the purposes stated in it.
Witness Iny hand and seal.
~p~9t, .., 41~DER, aopry p~updo ~
CarnN~ nbodnnd CouAN, PA r'
~ ~a~• ~ ~p°. a ~ ~ z~ao Notar ublio
CQMMONWE,ALTH QF PENNSYT.VANIA. ..
;; SS.
CC?'~L)1~"'f~" C3F CUMBERLA.NI] ..
do this, the Day of , 199$, before me, the
undersigned afFicer, personally appeared , whop
acl~owledged himself or herself to be of
CoreStates Bank, N.A,, and that he ar she as such corporate officer, being
authorized to do so, executed the foregoing ixYStrurnent for the purposes stated in -it
by signing an behalf of CoreStates Bank, N.A. `,
Witness my hand and sua~l.
Notary' Public
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~ Fo~~tA112~S Rri); pynnua.] Premium
C1VIT.. 6188 199 $400,040.Q0 $1,48,00
MassMutual 11 007 267 $400,000.00 $5,486,00
SCH~UTJL~ cc~'~
MAY-17-2011 TUE•12~29 PM NHTB FRX N0. 7177664289 ~ P. 24
pCKNO ,r++.~
can~arrw~A>1~x a~ ~a~>`rNS~1.vANx~ ,
.. 9S.
covrrrY aF CLr1~~RY.,A1vD ..
On this, the~e~'day of ~,r~'--~-~ , 19Q8, before ma, tl~e~
undersigned officer, personally appeared W. Stephen Forrest &nd Carole A. Forrest,
husband and wife, known to me {or satisfactorily proven to be the persons whose
names are subscribed to the within instrument as Settlors, and acknowledged that
,a l~y,exccuted it for the purposes stated in it.
~~~~~~,,~ y~i~~ss my hand and seal.
~..~Y ~~ p~e rbMno CauMV. PA 7~~
~~~, _ r` ~~n• MFkpl+esFeP.91~2G06 yy0 ubllc
. ~~~ ~. ,;
G oa~r~tarrw~.AlrTx o~ n1J1~11~~3rt.v.41~sA ..
~~ ~ .. ss.
~ Ct.7UNTY t?F CCJIvYBBRC.At~D ..
On this, khe '~' Day of 17`1-C~' , 1998, before me, the
undersigned officer, personally appeared Stt~htrr 1~• 7brrp..nce ,who
acknowledged himself or herself to be ¢~^~c~r of
CoreStsites Bank, I.A., and that he or she as such corporate officer, being
authorized to do so, executed the foregoing instrument for the purposes stated in ~it
by signing on behalf of CoreStakas Bank, N.A.
Witness my hand a»d seal.
.. __ .,~
`."'ti '~ ~~ U~il.
.r ..~ Y ~ ~ ~ ~T
~>,~ ~'j~~'~ N~ Ublrc
Nmetltl Soul
Permnyy !. Smvu, Notary PUdk
Hantetup, neuph~, ~a~eay
MY Comm Winn Eiplra Oac. tt], 1Y89
I4emb~r, Penlray~utlnlA Il6o0Clitlon o+ Nolnrlea
RESIGNATION OF TRUSTEE
Wells Fargo Bank, N.A., is the Trustee of the W. Stephen Forrest and Carole A.
Forrest Irrevocable Life Insurance Trust agreement dated April 26, 1998 (the "Trust").
Pursuant to Paragraph 4(C} of the Trust, Wells Fargo is authorized to resign as trustee of
the Trust. Wells Fargo hereby delivers its written notice of resignation to the grantor as
well as the adult beneficiaries, such resignation to be effective immediately.
WELLS FARGO BANK, N.A.
By: ~ -
Deana F. Robinson, CTI~A
Its: Assistant Vice President
State of North Carolina) ss.
County of Rowan)
This instrument was acknowledged before me on rt ~} r~C~, 2011, by
~e~ ~ nSor~ ,the i f Wells Fargo
Bank, N.A.
- OFFlCiAt 5[Al ~t
8 -. CHR15~`IiVA J. FORTUNE `
~ t80TA ~ ~ DRTH CF~#DLiMa
`~ AAy Can>rrssi~ ~x[+ire
..- ;,,.
Notary Public ~ ~~ ~ ~ ~
My commission expires: _~r3 ]'~l.`-t)
a EXHIBIT
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JUN-0$-2011(~IEGi' '':57 GREENCASTLE
4"FAX~il7 597 $251 P. 002/002
~RRSTOWN
FnvAlv~u. ~nvisoRs
A Tradition of ExceUsnce
June 7, 2011
WeI1s Fargo
Wealth Management
One West 1~ourth St.
D 4000 ~- 023
Winston Salem, NC 27101
RL: W. Stcphar Forrest and Carole A. Forrest
Irrevocable Life insurance Trust dated 41261199$
"Co W'f~am it May Concern:
This is your notification that Orrstown Bank, 77 E. King St,, Shippensbuxg, PA 17257 will
accept the appointment ofTr~tee far the above referenced trust.
We are requesting an accounting of the trust since its inception and a copy of the T1ZS SS4
form received for tax identification information.
Please forward this information to my atteation. If you need clarification of these rcgncsts,
please feel free to contact me at 717-593-6781.
Thank you for your prompt attention.
Sincerely,
cam,. ~~
Diane M. Cardel [
TrllSt ~fT1C~r ~ 1<"'1dIIC7$1'y T.Tr71t
EXHIBIT
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77 Bast King Street
R0. Box 250
Shippcnsburc~, PA 17257
7.888.ORR$TOWN
06/30/2011 THU 14:50 FAX 7172497334 IQJ003/008
ACKNOWLEDGMENT AND AFFIDAVIT
WE, HEATHER N. HOUSEL and JILLIAN M. McGEEHAN, the residual beneficiaries,
and W. STEPHEN FORREST and CAROLS A. FORREST, the Settlors, of the W. Stephen Forrest
and Carole A. Forrest Irrevocable Life Insurance Trust, being eighteen years of age or older, of sound
mind and under no constraint or undue influence do hereby declare and affirm to the undersigned
authority our consent to the proposed resignation of Wells Fargo Bank, N.A., successor to CoreState
Bank, N.A., and the proposed appointment of Orrstown Bank as Ttvstee of the W. Stephen Forrest and
A. Forrest Irrevocabl Life Insu ce Tru~+
~~~~~ ~
HEATHER
W.
COMMONWEALTH OF PENNSYLVANIA
. SS:
COUNTY OF CUMBERLANll
On this, the $~ day of;~, 201 1, befo-•e me, the undersigned officer, personally appeared HEATHER
N. HOUSEL and JILLIAN M. McGEEHAN known to me (or satisfactorily proven) to be the persons whose
names are subscribed to the within instrument, and acknowledged that they executed same for the purposes
therein contained.
IN WiTNI~SS WHEREOF, 1 hereunto set my hand and official seal.
otary Publ
COMMONWEALTH OF PENNSYLVANIA
. SS:
COUNTY OF CUMBERLAND
Wanly L. Metzger, Notary Publlc
Dickinson Twp., Cumberland County
Ny Commission Expires June 2, 2013
ber, Pennsylvania Association of Notaries
On this, the ~ day ofv~'1, 20t 1, before me, the undersigned officer, personally appeared W.
STEPHEN FORREST and CAROLS A. FORREST known to me (or satisfactorily proven) to be the persons
whose names are subscribed to the within vish•utnent, and acknowledged that they executed same for the purposes
therein contained.
1N W1'TNESS WHEREOF, l hereul~to set my hand and official seal.
~/ Notarial Sea- 1 ~"-
Wendy L. Metzger, Notary Publlc
Dickinson Twp., Cumberland County
otary Public .._ My Commission Expires June 2, 2013
~ EXHIBIT
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