HomeMy WebLinkAbout11-14-11 (2) 1505611185
REV-1500 Ex (°2-"' (Fi,
OFFICIAL U3E ONLY
PA Department of Revenue County Code Year
Fil
u
e
Bureau or Individual Taxes
Po Box 2eosof 1
~
~
~
INHERITANCE TAX RETURN 21 11
Harrisburg, PA 17128-0601 RESIDENT DECEDENT
ENTER DECEDENT INFORMATION BELOW
Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY
204-26-7949 02122011 01D61934
Decedent's Last Name Suffix Decedent's First Name M I
KOCHENOUR COLLEEN M
(if Applicable) Enter Surviving Spous e'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 APPROPRUITE BOXES BELOW
® 1. Original Return ^ 2. Supplemental Return ^ 3. Remainder Return (Date of Death
Prior to 12-13-82)
^ 4. Limited Estate ^ 4a. Future Interest Compromise (date of ^ 5. Federal Estate Tax Return Required
death after 12-12-82)
® 6. Decedent Died Testate ^ 7. Decedent Maintained a Living Trust ~ 8. Total Number of Safe Deposit Boxes
(Attach Copy of Will) (Attach Copy of Trust.)
^ 9 ^ 11
El
S
9113
A
^ 10
f
i
T
d
. Litigation Proceeds Received .
ax un
er
)
Death
ect
on to
ec.
(
. Spousal Poverty Credit (Date o
Between 12-31-91 and 1-1-95) (Attach Schedule O)
CORRESPONDENT - THIS SECTION MUST 8E COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO:
Name Daytime Telephone Number
CRAIG A. HATCH, ESQ• 717-731-960D
r..~
First Line of Address
1013 MUMMA ROAD
Second Line of Address
SUITE 100
City or Post Office
LEMOYNE
State ZIP Code
PA 17043
Correspondent's e-mail address: C• H A T C H a G A T E S L A W F I R M• C O M
REGISTER ~ ~L8 USE ONLY
ilia ~
'~ ~ -n;y
*~ -...'~ r--
i`-- -~ t~ ~ ~-a
,~ G ~ ~s
~~~ `_`
'~ ~ r".~
C1~TE FILED
Under penalties of perjury, 1 declare that I have examined this return, inGuding accompanying schedules and statements, and to the best of my knawledge and belief,
it is true, correct and complete. Declaration of preparer other than the personal roproaentative is based on ell information of which preparor has any knowledge.
SIGNATURE OF PERSON RE NSIBLE FOR FI RETURN DATE
SHERRY L • KERSTETTER _sL~~~a~- //'/~-1~
nnnoccc
P•0• BOX 133 FRANKLINTO PA 17323
SIGNATURE OF PREPARER OTHER THAN REPRESENTATIVE DATE
CRAIG A • HATCH, ESQ - _...,-~ ~, /,, /~~
1013 MUMMA ROAD, SUITE 100
1505611185
/ LEMOYNE, PA 17043
~R~I~AL F NLYF NLY
Side 1
OM4847 3.°00 15 0 5 61118 5 J
~ ..
,~
17 --
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r':
C-~
C'
r-rl
1505611285
REV-1500 EX (FI)
l)ecedent'siVame~ KOCHENOLIR COLL
EN
Decedent's Socia! Security Number
204-26-7949
M
RECAPITULATION
1. Real Estate (Schedule A) 1 0 • 0 0
2. Stocks and Bonds (Schedule B) . 2. 0 . Q 0
3. Closely field Corporation, Partnership or Sole-Proprietorship (Schedule C) , 3, 0 . 0 0
4. Mortgages and Notes Receivable {Schedule D) 4, 0 • 00
5. Cash, Bank Deposits and Miscellaneous Personal Property (Schedule E} 5. 9 , 0 9 0.0 0
6. Jointly Owned Property (Schedule F) ~ Separate Billing Requested g, 4 , 2 0 2.16
7. Inter-Vivos Transfers ~ Miscellaneous Non-Probate Property
(Schedule G) ~ Separate Billing Requested 7. 2 0 6 , 9 9 0.3 8
8. Total Grosa Aasets (total Lines 1 through 7) g. 2 2 0 , 2 8 2.5 4
9. Funeral Expenses and Administrative Costs (Schedule ti). s. 2 3 ,10 6.2 9
10. Debts of Decedent, Mortgage Liabilities, and Liens (Schedule I) 1 p, 1 , 0 4 0 • 0 0
11. Total Deductions (total Lines 9 and 10) , . 11. 2 4 ,14 6.2 9
12. Net Value of Estate (Line 8 minus Line 11) 12, 19 6 ,13 6.2 5
13. Charitable and Governmental Bequests/Sec 9113 Trusts for which
an election to tax has not been made (Schedule J) , , 13, 0 • 0 0
14. Net Value Subject to Tax (Line 12 minus Line 13) . 1a. 196,136.25
TAX CALCULATION -SEE INSTRUCTIONS FOR APPLICABLE RATES
15. Amount of Line 14 taxable
at the spousal tax rate, or
transfers unfler Sec. 9116
(a)(1.2)x.o_ 0.00 t5. 0.0D
16. Amount of Line 14 xable
4~
at ~inealratex.o
196,136.25 1s. 8,826.13
17. Amount of Line 14 taxable
at sibling rate X .12 0, 0 0 17 0. 0 0
18. Amount of Line 14 taxable
at collateral rate X .15 0.O D 1 a. 0.0 0
19. TAX DUE 19.
20. FILL IN THE BOX fF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT
Side 2
1505611285 1505611285
OM4848 3.000
8,826.13
REV-1500 EX (FI) Page 3
tlerer~ent'a [_mm~la4o OrlelrnA4•
File Number
~ 1. 1.1.
DECEDENTS NAME
K H N M
STREET ADDRESS
CITY
OY STATE
A ZiP
7 4
Tax Payments and Credits:
1. Tax Due (Page 2, Line 19)
2. Credits/Payments
A. Prior Payments 0 • 0 0
B. Discount 0 •0 0
3. Interest
{1) 8,826.13
Total Credits (A + B) (2} 0 • Q Q
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.
5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE.
(3> 0.00
(a> 0.0 0
(5) 8, 826.13
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 properly transferred or its income .... .
c. retain a reversionary interest .... .
d. receive the promise for life of either payments, benefits or care? .. .. .. .. .. . .
2. If death occurred after Dec. 12, 1982, did decedent transfer property within one year of death
without receiving adequate consideration? .
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
contains a beneficiary designation? .. .. .. .. .. .. .... ..... .. ® ^
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)j. 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 Juy 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. §9118{a)(1.2)J.
• 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(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. §9118(a)(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.
OM4671 2.000
REV-1508 EX+ (11-10)
Pennsylvania
DEPARTTAENTOF REVENUE
INI#RITANCE TAX RETURN
RESIDENiDECEDENT
SCHEDULE E
CASH, BANK DEPOSITS, 8 MISC.
PERSONAL PROPERTY
ESTATE ~: FILE NUMBER:
Colleen M. Kochenour 21 11
OW48AD 2.000 If more space is needed, use addkional sheets d paper of the same size.
REV-1509 EX+ (01-10)
Pennsylvania SCHEDULE F
DEPARTMENT OF REVENUE
INHERITANCE TAX RETURN JOINTLY OWNED PROPERTY
RESIDENT DECEDENT
ESTATE OF: FILE NUMBER:
Colleen M. Kochenour 21 11
tf an asset t/ecame joNrtly awned within one year of the decedent's date of death, h must be reported on Schedule G.
SLRVNtUG JONf TBJANr(S1 tWNgS) AI~RESS Re:AT10FSFPTO OECEI7BYT
A Straub, Melanie A 11108 Oyster Mill Road, Camp
Hill, PA 17011 Daughter
JOINTLY OWNED PROPERTY:
R73~11
-~J~ LETTER
FOR JOINT
7QrpHT Dore
hA4l~
,~M Ol'~SCRIF'IION OF FRO~'TY
INOLUDE NAME OF FlNANGAL INETITViIDN AND BANK ACCOUNT NULlER OR SNAUR
IDEMIFVINDNUGBER.ATTACHDEEDraRJOINTLVHELDREALESTATE.
~~ ~ t~TF'1
VALLEOFASSET % OF
S
INT@iE;ST DOTE OF OEAT}i
VALIr£ D~
SMS~ST
1 A 11/10/201 MST Bank, Savings
Account
#15004208613784 494.59 50.0000 247.30
2 A 11/10/20 M&T Hank, Checking
Account #52188221 7,909.71 50.0000 3,954.86
TOTAL (Also enter on Line e, Recapitulation) S 4 , 202.16
aweeaE z.ooo H more space is needed, use additional sheets of paper of the same size.
REV-1510 EX + (08-09) SCHEDULE G
Pennsylvania
DEPARTMENT OF REVENUE INTER-VIVOS TRANSFERS AND
INHERITANCE TAX RETURN MISC. NON-PROBATE PROPERTY
RESIDENT DECEDENT
...,-.-...... cu
Colleen M. Kochenour 21 11
This schedule must be completed and filed if the answer to any of questions 1 through 4 on page three of the REV-1500 is yes.
ITEM
NUM9E DESCRIPTION F PROPERTY
N10.lAETFENM~EOF7}E7RAl~AFEREE,TI#IRREUTION6MP70DECEDENTAND
~++E DA7EOF7RM6FER. ATfAOHA00PV OF THE DEED FOR REAL ESTATE.
DATE OF DEATH
VALUE OF ASSET
%OFDECD~S
INTEREST EXCLUSION
IF APPLICABLE TAXABLE
VALUE
1~ Ameriprise Financial,
Mutual Fund Account
#0215391474-1-002,
Transfer on Death to
Melanie A. Straub,
Sherry L. Kerstetter,
Robin E. Johnson, Tracy
L. Forrester. 17,557.58 100.0000 0.00 17,557.58
2 Ameriprise Financial
Annuity Account
#93006613461-8-004,
Beneficiaries: Melanie
A. Straub, Sherry L.
Kerstetter, Robin E.
Johnson, Tracy L.
Forrester 22,010.51 100.0000 0.00 22,010.51
3 Ameriprise Financial
Annuity Account
#93006613474-1-004,
Beneficiaries: Melanie
A. Straub, Sherry L.
Kerstetter, Robin E.
Johnson, Tracy L.
Forrester 46,457.19 100.0000 0.00 46,457.19
4 Ameriprise Financial
Annuity Account
#93008099998-8-004,
Beneficiaries: Melanie
A. Straub, Sherry L.
Kerstetter, Robin E.
Johnson, Tracy L.
Forrester 65,389.77 100.0000 0.00 65,389.77
5 Ameriprise Financial
Annuity Account
#93008102539-5-004,
Beneficiaries: Melanie
S. Straub, Sherry L.
Kerstetter, Robin E.
Johnson, Tracy L.
Forrester 55,575.33 100.0000 0.00 55,575.33
TOTAL {Also enter on line 7, Recapitulation) $
206,990.38
If more space is needed, use additional sheets ai paper of the same size.
9W48AF 2.000
REV-1511 EX+(10-09)
Pennsylvania
DEPARTNENTOF REVENUE
INHERITANCE TAX RETURN
RES~ENrDECEDENT
SCHEDULE H
FUNERAL EXPENSES AND
ADMINISTRATIVE COSTS
ESTATE OF FILE NUMBER
Co]:le~n M Kochenour 21 11
Decedent's debts must be reported on Schedule I.
ITEM
NUMBER DESCRIPTION AMOUNT
A. FUNERAL EXPENSES:
~, Parthemore Funeral Home ~ Cremation
Services, Znc. 12,431.87
Total from continuation schedules .
B. ADMINISTRATNE COSTS:
t. Personal Representative Commissions:
Name(s) of Personal Representative(s)
Street Address
City State ZIP _
Year(s) Commission Paid:
2. Attorney Fees:
3. Family Exemption: (If decedent's address is not the same as claimant's, attach explanation.)
Claimant
Street Address
City State ZIP
Relationship of Claimant to Decedent
4. Probate Fees:
5. Accountant Fees:
6. Tax Return Preparer Fees:
7.
1 PP&L, electric
TOTAL (Also enter on Line 9, Recapkulation) ~ 3 2
9Wd6AG 2.000 If more space is needed, use addkional sheets of paper of the same size.
4,523.29
6,000.00
151.13
2
Estate of: Colleen M. Kochenour
Schedule H Part 1 (Page 2)
Item
No. Description
2 Gingrich Memorials, headstone
3 Harrisburg Cemetery Association, care
charge
4 Harrisburg Cemetery Association,
interment cost
5 Harrisburg Cemetery Association, grave
opening and arrears
6 Trinity Lutheran, luncheon following
funeral service
Total (Carry forward to main schedule)
21 11
Amount
1,064.00
110.94
850.00
2,260.94
237.41
4,523.29
REV-1512EXt(12-OB) SCHEDULE
Pennsylvania
oEPPRTMENrOF REVENUE DEBTS OF DECEDENT,
INHERITANCE TAX RETURN MORTGAGE LIABILITIES 8~ LIENS
RESIOENroECEOENT
ESTATE OF FILE NUMBER
Colleen M. Kochenour 21 11
Report debts Incurred by the decedent prior to death that remained unpaid at the date of death, including unreimburaed medical expenses.
8W48AH 2.000 If more space is needed, insert additional sheets of the same size.
REV-1513 EX+(01-10) SCHEDULE J
Pennsylvania
DEPaRTMENTOF REVENUE BENEFICIARIES
INFERRANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF:
FILE NUMBER:
Colleen M. Kochenour 21 11
RELATIONSHIP TO DECEDENT AMOUNT OR SHARE
NUMBER NAME AND ADDRESS OF PERSON(S) RECENING PROPERTY Do Not List Trustee(s) OF ESTATE
I TAXABLE DISTRIBUTIONS [Indude outNght spousal distributions and transfers under
Sec. 9116 (a) (1.2).]
1. Sherry L. Kerstetter
P.O. Box 133
Franklintown, PA 17323 Daughter 47,983.52
2 Robin B. Johnson
13 Stephen Road
Camp Hill, PA 17011 Daughter 47,983.52
3 Tracy L. Townsend
146 Regency Woods North
Carlisle, PA 17015 Daughter 47,983.52
4 Melanie A. Straub
1108 Oyster Mill Road
Camp Hill, PA 17011 Daughter 52,185.69
ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 1 8 OF REV-1500 COVER SHEET, AS APP ROPRIATE.
[) NON-TAXABLE DISTRIBUTIONS
A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN:
1.
B. CHARRABLEANDGOVERNMENTAL DISTRIBUTIONS:
1.
TOTAL OF PART U -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET, S 0.00
awaeal z.ooo Ir more space Is neeaea, use aaarclonal sneers or paper oT the same size.
Estate of: Colleen M. Kochenour
Schedule J Part 1 (Page 2)
Item
No. Description
5 Debra K. Fasnacht
4816 Orchard Street
Harrisburg, PA 17109
6 Denise L. Heil
P.O. Box 109
Highspire, PA 17034
Relation
Step daughter
Step daughter
21 11
Amount
0.00
0.00
SCHEDULE E
EXHIBITS
.,-2011 TUE 08;26 RM RE
2005 Pontiac Trade In Values, ews -Kelley Biue Book
~ I 7NE7Ar~E05EfO11t~E~
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t~+~eege:~tl,ce00
Kelley Blue Book' Private Party Values
~a
L . .. .__ . .. - .._..
~ Vehicle Highlw~ghts
~ MPG: City25MMy31 Max Seating: 5
l)aors: 4 Engine' 4-CyL f-B t.iter
~ priveeratn: FWD •7ransmisslon: Autontat3c '
1 EPA Class: Cdnpaet bars ~ 9odY Style: Sport Wagon
~ Country of Origln: UiMted Slues I Country of Assemby: uMtad States I
Your Configured Options
' our pre~arAeam aoaon<, bated m avK,l etpttwwe~ to nue ~.
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SCHEDULE F
EXHIBITS
Page 1 of 1
Stacey Nace
From: "Cavanaugh, Torrin" <tavanaugh@mtb.com>
To: <s.nace@gateslawfirm.com>
Sent: Thursday, November 10, 2011 2:04 PM
Subject: Colleen M Kochenour
Hey Stacey,
Here is your info.
1. The checking was opened 9-28-1968.
2. Robin and Sherry were both added in Feb of 2011.
3. Melaine has been on both accounts for at least four years.
4. Interest earned is 0.00.
5. The date of death balance was $7,909.71.
6. The savings was opened on 2-18-1993
7. Robin and Sherry were both added in Feb of 2011.
8. Interest earned was 2 cents.
9. The date of death balance was $494.59.
10. Account was closed on 8/15/2011.
This email may contain privileged and/or confidential information
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************************************
11/10/2011
SCHEDU TSG
EXHIBI
APR/Ol/2011/FRI 11:36 AM Doris E. Brytz FAX No, 717 432 2424 P, 003
To Doris E Bryt7JFeIdIAMPF~AMPF
bcc
Sutgea 13788318 COLLEEN M KOCHENQUR DATE OF DEATH
VALUES PLEASE DQ NOT DELETE
Rivw~3aurce Life dtsurance Company
Amorfprlss Financial Comparry
7010p MleiipMo Financhl Gnbr
IIAInneUpolis, MN 3+S4T4
Match 28, 2011
bORTS E BRYTZ
.J STE 101
11 T RIPIJET'T C'1'
D~BURG, ~A 17019-9490
Dear D(?~S E BRYTZ:
Tbaz~k you for your recent inquiry regarding COZ,I.EEN M KOCBENOUR's accounts. Thesc are the values of the
accoimta as of 02/1,?J2011.
Acco>a~nt In#olrmat~on
Mntuul Farads
Q
l
AfCCAllnt 1
llm
mr
02153951474 1002
IQdivic3wl- x'O]7
Anusaltia -post 1985
N
b
A
"
ccount
um
cr
93006613461 8004 w s
Individual
930066134741004 Individual
93008099998 8004 Individual
93008102539 5004 lndividual
Muta~uX Funds
Ac~ountNumber ~'otal Value ~ Asset Valve Per Share
021539514741002 $17,557.58 4,372.083 $ 4,01
Awtnitfes ~ Post 1<985
Account Number ~'otal'Valuc
9300b6134618 004 52,2,010.51
930066134741004 $46,457.19
93008099998 8004 $65,389.77
AFR/01/2011/FRI 11:37 AM Doris E. Brytz
FAX No, 717 432 2424 P. 004
93608102539 5 004 $55,575.33
The date of death values pxovided are for estate tax purposes sad are not a value m be paid. Accoatrts. tray be
subject to ~aaarbet flactuation as governed by each product Please note that the values indicated for any Life
Iasura>1ce pmduct(s) wi#It We inszued deceased xeflect the gross death benefit at date of death and aot the cash value,
Values indicated for Life Insazance Products wxtlx oWdy the owner daxasod reflect the cash value as of the date of
death. Values for any proprietary mutual funds include accrued dividends as applicable. 'V'alues pmavided for
brokerage products are maa~ually calculated, and should be used as esGimuttea only. 'I'ha prices used to provide values
are eatlnnaoes obtained from outside sources believed to be reliable. A~iprise 1~iz~avcial pt,vvidea these vsalues as a
service to its clients. Actual va1-tea used in preparation of tai[ returns or for pL'mniuatg purposes should be verified by
your leYal aad accoutuirlg adviseas.
'~'e appreeiau the oppordmiry to be of service to you. Please contact us if you have any questions.
Sincemly,
Kat+Gn Fabros
Heath Settte~nts Pmcessiteg ream
Ameriprise Finaacia}. Center
MianeapoIis, MN 554'14
1-800-862-7919, Option 2, ask for Estate Settlements
Please do not reply to this email. This database does not support incoming mail. Please Call the phone #
witttirt the letter it you require assistance. Thank you.
Life Evenis Team
Cliegt ~~vr~r
gd~isorCompasse •
Account Protiie -FIXED RETIREIAEN f ANNUITY - VP ~ ~~~
Aocaunt ProAb J ~Gd>,e ~ ~ ( Amoam~
o add and ttainaa~orn es.
Pnvioua Account ~
nershi ~formatlan
*: 0930 0681 3461 8 004
nt Status: ~
bato; M 1/2000
OLLEEN M KOCHENOUR
T
• ON-QUALIFIED
T1N: 28-7949
s Current c:
~ss+ocfetad Grow IDs - SMlict Grow Account List
iD
393 1474 0 001 USEHOLD
PRIMARY BENEFICIARY
MELANIE A 3TRAUB DAUGHTER
SHERRY L KERSTET'C'ER DAUGHTER
ROBIN E JOHNSON DAUGHTER ~
TRACY L FORRES'('ER DAUGHTER
EQUALLY, THE SURVIVORS EQUALLY, OR THE
s6m se of Aai/AQMA91
Dint Casa Value: 1~-
Be~~; NOT APPLIC
oR81 PtXChasra Pa ~ ~•
rnhase Pa within Last 10 Da
•
nterest Rage: 3•
un+endar value: ~zz 184.
Available w/o Surrender ~• 1 ~•
rr fwRw~w~~itia~ x Af AUf19/9A41
n~rNum Tax Raluna: o•
ail End Tax:
axable Inoome YTD~ •31
axatrle Income TTD: 11858.
TeFi a Contrtbudons:
r~Tefra Eaml SO.0
eira ConMbutlons: 013_
aka Eam s: 148.5
3A 12/31/88 Amount: NOT APPLIGAB
Amount YTD: ~.
Tax Nes:
Client Viewer
Cliorit Viewer
AdvtsorCon~sse
Acaaurrt Profrb - REf ADY V ANN NQ
mount profse ~ ectiadbc I ~
Am~ariprisc
i~weaTnt
~>a~]EGn~a~
o add .nd , use the es.
Previous Ae~nnt i~A~.
ntrshi Inforn~atlon
#. 0830 0861 3474 1 004
t Status: ~
Date: 7p72000
i : U.EEN M KOCHENOUR
T N-GtUAL1FIED
TIN: 04-26-7849 .
s CunBttt e: sad
associated Grow tds Select Grou Accaurtt fiat
T
396 1474 0 001 OUSEHOLD
RY BENEFIGIARY R~L1°Q' Seel~~g "^`°ti°"
IIE A STRAUB DAUGHTER
;Y L KERSTE~ITER DAUGHTER
E JOHNSON DAUGHTER
L FORRESTER DAUGHTER
LY, THE SURVIVORS EQUALLY, OR THE
aiue as of x5/4813011 -
otai Cash Value; 71
p~ gam; NOT APPLICAB
otal Pine Pa manta: 102 537.
with(n Last 1
A ~•
landed Intenast Rate:
vne Fund Blended Interest Rate: 0°
utrender Vdue: 7164
urrender Charge:
Includes a of S3o.oo> 530.
AvaNetb wio Sun~ender Ch 7184
umpnder3ohedub: 10 Y
siimated Death 8ar>eflt: 1'~-
ax lnfarmaSon as of 05J09/2411
axaWe income YTD: 633.
~~ Inoome -Rp; 15930.8
efra CortiMbutions:
re-Tsfra mi
efia Contri ons' $48 358.
efra Eami s: ~'
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Account Profile - RVS RAVA 4 ADYANT N4 Clraa]etmdo~c
aocau~ Pro61e I Ar.~d4e ( I
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Previous A~runt ~.A
•rslei Information
(/: 0930 OB09 9998 8 004
siaa~: Tlv~
oar: moos
erah' : EEN M KOCHENOUR
~ T N-QUALIFlED
TIN: 26-7949
s Current e:
MELAINE A STRAUB ELQEST DAUGHTER
SHERRY L KERSTEfTER MIDDLE CHELD
R0131N E JOHNSON MIDDLE DAUGHTER
TRACY L FOfZRt:STER YOUNGEST DAUGHTER
EQUALLY, THE SURVIVORS EGIUALLY, OR THE
SURVIVOR
slue as of as/o8n011
ofal Cash Value: 0~.7
~n g~~; NOT APPLI
a4el F'a meats: 1 ~•
r+chsae Pa wffttin Last 10 D s:
A: ~-
lended t Rabe: 0
one Fund Blended Interest Rete: 0
der Value: 491.
urrender Charge:
I~edudaa cha o1 30.00 x,807.
Available w/o Surrender Cha e: 489.
Schedule: 7 Y
stimated Death BeneRt: ,690.31
ax information as of 05/09 12011
axable tr-corne YTD: .0
e In~me TTD: ~•
re~T Contr~t~iursa:
Tatra F_amin
efra 'butiaris: ~4
efra s: 812
Ciierrt Vlewer
AdvlsorCompass~
Aooamt Profits - RY8 RAVA 4 ADVANT NQ
Accourrt Profile ~ ,AGtiYlilt ~ ~
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o add and mod tran Cho s.
~ylous Account Last Accquftt
neraftt in#armatian
t #: 0830 0810 2539 5 004
nt Status: CTIVE
ed Date: 8
i : LLEEN M KOCHENOUR
T e: N-GIUALIFIED
tad TIN: 26-7949
sC t
PR{MARY BENEFIGARY Renuest~rwginc Corm O
MELANtE STRAUB ELDEST DAUGHTER
SHERRY l KERS'i'l=LTER MIDDLE CHILD
ROBIN E JOHNSON MIDDLE CHILD
7RAGY FORRES7Eit YOUNGEST DAUGHTER
EQUALLY, THE SURVIVORS EQUALLY, OR THE
SURVIVOR
~tuo es of 03JQ9/201 f
oRal Cash Vahte: 3'~6 799.01
oan Belence: NOT AP'PLICABL
crtal Purchase ts: $66800.
P menu within Last 10 Da
MVA: ~.
lntenest Rate:
Fund Blended tnteest Rate: OY
txren ale: $63 691.8
un+endor Charge:
tndtld+~ Contract cha of .00 $3,107.1
unt Awallabie w/o Surrender Cha e: 51 9
~ gee; 7 Y
ay p~ Ber>efit: $b7 089.2
ax lstformaHan as of Q5l09 01 f
e income YTD: $4 553.01
inc~orne TTD: 563. 1
T t;,Orllfibutions: ~•
re-Tetra Eami s:
g~ COntrtbudon3: 354 7 .1
efra Earni `~•8
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,4ccourrt PrvFb -TAX-EXEMPT NI IN - A
Account PeoNk ( (chedrs Isswd
Aroearipxis+e
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o fieelrfi tritnackions. ua the Y6.
hi Infonnalion
nt #: 0021 a39S 1474 9002
Status: NACTIVE
cd Date: 8!2000
naCtivo bate: 1!2011
LLEEN M KOCHENOUR TOD
T ; ON-QUALtFiED
TIN: 6-7!949
s Cum3nt
~aaociated (iron iDSt - SQiwt Grou Account List
~+ou 1D
1385 1474 0 009 USE t-D
:Y BENEFIGIARY
LAWFUL CHILDREN IN EQUAL BRAKES
etas as of 11/OSPZ011
Date n$rloov
Furl Amount .00
Rlek Amount .00
nt ava~bls for ~
Idatlon Inlormatlon as of 11l09/2~11
herea: .000
NAV: 0
Value: 00
Plus Accrued Dividends: .00
rose Value: .00
i_ess CDSC Amount: .DO
datlon value; .00
vestment information
idcor S NHYX
IJSfP Number. 88919807
Vahw:
ml~ed ROA Value: .00
seer Of Intent mitment Amount: of Available
rohases widfin 90 NOt Av~lable
rchaee Cnsdib: Nat AvaUable
OI Eacrow Shares: •~
SCHEDULE H
EXHIBITS
Parthemore Funeral Home & Cremation Services, Inc.
P.O. Box 431
1303 Bridge Street
New Cumberland, PA 17070-0431
(717) 774-7721.
Mrs. Sherry L. Kerstetter
P.O. Box 133
Franklintown, PA 17323
Statement
For the Service of Colleen M. Kochenour
DATE
3/31!2011
AMOUNT DUE AMOUNT ENC.
$0.00
DATE TRANSACTION AMOUNT BALANCE
01/31/2011 Balance forward 0.00
02!14/2011 INV #2310. 12,43].87 12,431.87
02/1b12011 PMT #8439, tec from Colleen M. Kochenonr -1,000.00 11,431.87
03/28!2011 PMT #9002. nec from Sherry Kerstetter -1 l ,431, 87 0.00
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CURRENT 1-30 DAYS PAST 31-60 DAYS PAST 81-80 DAYS PAST OVER 90 DAYS
AMOUNT DUE
DUE DUE DUE PAST DUE
0.00 0.00 0,00 0.00 0,00 $0.00
Please don't hesitate to call our office if we may be of assistance. Thank you.
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lyj~yjf~~(S $>tnCe I921 Drawing -' Drawing Sent to Cust. Approved
.5243 Simpson Fe»y Road, Mechanicsburg, PA 17tJ50 Found: By -Found: Ordered
(717) 766-5b22 • Fax (717) 766-8007: Vendor At;k. #
www.gingrichmetnorials.com _ • _ ?Grave Position Verffied `' ' Cremation ~ "'
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. SOLD TO: ~ ~ F;, ~ ~~ ~ ~ ~ - _ Date of Order. )`~~ ~~* ,:: i `~ , ^~: ~~ ! t -
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Cemetery Location "< ~' ~
-Phone , ~-~ ~ , '.; 7 ~ `. ~ a ~ Ce0 - • ~ Center Over ~ Graves .Sec. !Lot #
Email - : _ ,; • Approx. Date of, Completion ;~. .~ ~~~
Lettering - -
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Type ~ ~r~~ ~~ ~s~:i"~#~ Mat®rlal r~>f~;~~~t'~ ~~:zrr~,~~ ` '~~`~t.=~,~ ~(~~ ±'t?~z i e.. Additional Lettering
Size .~ X ,': ` i _ X Finish _ ^ Back ^ Base
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Description - _
Location on Cemetery ;~,:; ~" :~ ,~ :,, ,° i. ,~ f~;s , ~~, ~ r. (:
d .Vase ^ Photo ^ Other _
Agreemer>t: A SO% deposit Is requlredto commencement of work.- ~ - COSTSZ
Agree to pay stated balance upon ereotlon regardless of labor troubles or shipments or any. other good reasons. Thin orcJer or Memorial . $
~ ` ~. ~ `~"'
ooMreot oanrwt be cancelled by ouetomer unless agreed by both parties. The article herein mentionedshall remain the property of
` -
s ~.:
Jantee R. Q1ngNOh Memartals until paid In full end tfiey reserve the-right to remove the same is no# paid ea stated.
FOUndation ~
$ ~ ~ ~ .. "
spree to carefully proofread all names and dates for accuracy end accept toll resportsibiiityfcr any errore or omissions: THERE .Cemetery F8@8 $
Wq.L dE AN ADD1770NAL CHARQE FOR ANY LETTERlNQ ADDED TO THIS MEMORIAL AFTER ERECTED ON THE _
- _. -
{R'Y -
$
~ further agree to pay the batar>ce stated-for the work perfom-ed under this contract within thirty (30) days of receipt of the tlnal
nvoce and further agree that interest shah accrue at the rate of one-and one-half percent (116%) per month on the unpaid balance $
~rYad to James R. OingrichMemodals not paid within thirty (30) days of the invoice data. In addition thereto, (agree H h becomes ,
_
$
teWeaery for James R. Oingrtch to lnetitute legal proceeding to collect any funds due from me for my account being past due thirty
90) days, to pay as court caste and atlomeya fees Mcurred by James R. dingrich Memortel8 to collect the same. TOTAL -
, •: $ F ~•'
:.
~ _ - =-
sealer
DEPOSIT $
..
'
;uatomer ~.
Balance Due $ . ~ •=_~ (
- .
,, -
(l further agree that the above names, spelling, and dates are correct) Upon Completion .
HARRISBURG CEMETERY ASSOCIATION
110 Bergner Street
Harrisburg, PA 171 10
June 30, 2011
Ms. Sherry Kerstetter
PO Box 133
Franlclirrtown, PA 17323
Please return this invoice or indicate lot number when sending payment.
Make checks payable to Harrisburg Cemetery Association.
Lot number: SZ 22 & 3l
EXPENSES:
Mairrtenarrce ~ 110.94,
Trees, Slu-ubbery, Ivy, etc.
Clearurrg Markers, Monuments, etc.
Flowers for Special Occasions
Miscellaneous
TOTAL EXPENSES ~; 110.94
LESS CREDITS:
Income li-om Trusts, Endowments, etc. $ 0.00
BALANCE $ 11().94
PAST DL1E
Accumulated past due amount $ ~~a( c~ ~~_
BALANCE DI1E :6 110.94. ~/aa/~f
Gt* 900 9
We hope you would consider providing for these expenses by adding to dre funds already set aside for dus
purpose. While we ar-e unable to predict the extent of future irrflalion, we believe dle endowment should be
large enough so drat die income (at 4. percent) will cover current TOTAL EXPENSES (see above.} From
dris recommended endowment figure, you would, of course, subtract arry endowment we already established
(see amount under LESS CREDITS above.)
This does not have to be paid at one tune. You may make payments over future years but we urge you to
make a start.
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TELEPHONE (717 737-7231
HARRISBURG CEMETERY ASSOCIATION
13T"AND LIBERTY STREETS
HARRISBURG, PENNSYLVANIA 17103
REPLY MAIL: 110 BERGNER STREET, HARRISBURG, PA 17110
February 18, 2011
Ms. Melanie A. Straub
1100 Columbia Ave.; Apt. 3
Lemoyne, PA 17043
Re: Colleen M. Kochenour
Lot SZ 22 & 32
Dear Ms. Straub:
Please accept our sympathy in the loss of Colleen Kochenour.
We have been advised by the Cemetery Manager that payment was received for the prior annual
care charges due, but not the actual interment costs. Therefore, we must contact you
concerning payment of the outstanding interment cost of $ 850.00.
Please make the payment payable to Harrisburg Cemetery Association, and mail to:
Harrisburg Cemetery Association
110 Bergner Street
Harrisburg, PA 17110
If you have any questions at all, please contact our office.
Very truly yours,
For
Harrisburg Cemetery Association
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COLLEEN w1 KOCHENOUR ~'u 8438
~ MELANIE A STRAUB
110D COLUAABIA AVE APT 7
- LFMCYNE, PA 170iJ OMIN
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DEATH
CERTIFICATE
__
15.805 REV !01107}
LOCAL REGISTRAR'S CERTIFICATION OF DEATH
WARNING: It is illegal to duplicate this copy by photostat or photograph.
e for this certificate, $6.00 t ms is to certtry mat me tntormatton Here given is
correctly copied from an original Certificate of Death
l duly filed with me as Local Registrar. The original
certificate will be forwarded to the State Vital
Records Office for permanent filing.
P 17047723 ~~~-~~ FE~.1e~o11
Certification Number Local Registrar `'` Date Issued
REV w2oad COMMONWEALTH OF PENNSYLVANIA • DEPARTMENT OF HEALTH • VITAI. RECORDS
wAN~arr" CERTIFICATE OF DEATH
use PR (Sos InsVUCtlons end sXNnpIM on TWM!!t)
STATE FILE NUMBER
1.IMmddoederl(Fiel nadd,, Wleuahd 2.8r 3.8afel S•ca0! Nnba t. Wb a Dsdr IAfaeh~ mY~ yal
Colleen M. Kochenour Female 204 - 26, - 7949 February 12, 2011
S AaY ~ BMideJj IAtaa f UM~r t 8. Ode d Bkm Manor 7. feldeYee a as Prp d Orai ar
Yarw 0•M Nan Alper FbepNd: Qarr:
77 y,~ January 6, 1434 Harrisburg, PA „~,„ ^~/ ^~„ ^rr~,,,,,,,e ^Rearnr ^omaso.dy
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Cumberland. E. Pennsboro Twp. Holy Spirit Hospital (i FrroPo~an,.b.) ( White
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Sherr L. Kerstetter P.O. Box 133, Franklintown, PA 17323
2taAINbOdOrpaMon a ^(y,restbn ^Darbn 210.0erdDYprabr(Maah,ay~yrr) 21t:RaaaDtepaltlat(NardrmeMy~arrayai~arrPros) 2ldlatetlon(Caylban,dM,tJpaoae) -
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LAST WILL AND
TESTAMENT
LAST WILL AND TESTAMENT
C E O
I, COLLEEN M. KOCHENOUR, now of 425 Hummel Avenue, Lemoyne, Cumberland
County, Pennsylvania, 17043, do publish and declare this to be my Last Will and Testament,
hereby revoking all other prior wills and codicils made by me.
FIRST: Fa i y Baclground and ARpointment of Executor.
(A) Fami y and Background Information. I am not currently married. My children are
MELANIE A. STRAUB, SHERRY L. KERSTETTER, ROBIN B. JOHNSON and TRACY
L. FORRESTER. My stepchildren are DEBRA K. FASNACHT, DENISE L. HEIL, DIANE
KOCHENOUR and ROBERT H. KOCHENOUR. Throughout this Will, MELANIE A.
STRAUB, SHERRY L. KERSTETTER, ROBIN B. JOHNSON and TRACY L.
FORRESTER will be referred to as "my children" or "my daughters"and DEBRA K.
FASNACHT and DENISE L. HEIL will be referred to as "my stepchildren" or "my
stepdaughters." I decline to make distribution to DIANNE KOCHENOUR and ROBERT H.
KOCHENOUR.
(B) ARgointment of Executor. I appoint as my Executrix and Successor Executors
(all hereinafter referred to as Executor) under this Will, the following named persons to serve
without bond and without being required to account to any Court:
Executrix: My daughter, SHERRY L. KERSTETTER.
Successor Executors: My daughters, MELANIE A. STRAUB or ROBIN B.
JOHNSON, to act jointly or individually.
SECOND: Funeral and Last Illness Exggnses: Taxes.
(A) Exeenses of Funeral and Last Illness. I direct my Executor to pay my funeral
expenses and the expenses of my last illness from my estate.
(B) Taxes. I direct my Executor to pay any and all estate, inheritance, succession,
legacy, transfer and other death taxes or duties, by whatever name called, including any and all
interest and penalties thereon, imposed under the laws of any jurisdiction by reason of my death,
upon or with respect to any and all property included in my gross estate for the purpose of such
taxes, whether such property passes under or outside of this Will, out of my residuary estate,
without being prorated or apportioned among or charged against the respective devises, legatees,
beneficiaries, transferees, or other recipients of any such property or charged against any property
passing or which may have passed to any of them. The Executor shall not be entitled to
reimbursement for any portion of any such taxes from any such person.
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LAST WILL AND TESTAMENT
COLLEEN M. KOCHENOUR
PAGE 2
THIRD: Tangible Personal Pro,,~t~v. Except for those items enumerated in the Letter
of Instruction, I direct that all tangible personal property, including but not .limited to clothing,
jewelry, heirlooms, furniture, personal effects, motor vehicles, and all other similar articles,
which I own, and the insurance thereon, be sold in the sole discretion of my executor and, when
sold, the net proceeds therefrom shall be added to the residue of my estate. Tangible personal
property shall not include: (1) any and all property used by me in any business, (2} cash on hand
or on deposit in banks, (3) stock or securities, (4) any type of evidence of indebtedness, and (5}
any life, health or accident insurance policies.
Notwithstanding any other provisions in this Article THIRD, I may leave a separate,
dated and unsigned Letter of Instruction, which I shall place with my Will, containing directions
as to the ultimate disposition of certain of the property bequeathed under this Article THIRD, and
such Letter of Instruction shall determine the distribution of such items.
FOURTH: esiduarv Gifts.
(A) I give, devise and bequeath all the rest, residue and remainder of my estate, of
every kind and chazacter, real, personal and mixed, tangible and intangible, and wherever
situated, including any lapsed or renounced legacies or devises (and including any property over
which I may have a power of appointment), in the following amounts to.the respective named
and designated beneficiary:
(1) EIGHTY PERCENT (80%) of the residue of my estate shall be distributed in
equal shares to my daughters, MELANIE A. STRAUB, SHERRY L.
KERSTETTER, ROBIN B. JOHNSON and TRACY L. FORRESTER, per
stirpes.
(2) TEN PERCENT (10%} of the residue of my estate shall be distributed to my
stepdaughter, DEBRA K. FASNACHT, per stirpes.
(3) TEN PERCENT (10%) of the residue of my estate shall be distributed to my
stepdaughter, DENISE L. NEIL, per stirpes.
(B) Distributions During Administration. Prior to final distribution of my estate, the
Executor, in his discretion, may make partial distributions to one or more beneficiaries or Trusts.
As a wnsequence, the Executorship and any Trusts created under this Will may exist
contemporaneously. A distribution may be made subject to any indebtedness or liability of my
estate.
FIFTH: Powers of Executor. In addition to the powers and duties as may have been
granted elsewhere in this Will, but subject to any limitations stated elsewhere in this Will, the
Executor shall have and exercise exclusive management and control of the Estate and shall be
vested with the following specific powers and discretion, in addition to the powers as maybe
generally conferred from time to time upon the Executor bylaw:
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LAST WILL AND TESTAMENT
COLLEEN M. KOCHENOUR
PA 3
(A) In the management, care and disposition of the Estate, the Executor shall have the
power to do all things and to execute such instruments, deeds, or other documents as maybe
deemed necessary or proper, including the following powers, all of which maybe exercised
without order of or report to any Court:
(1) To sell, exchange or otherwise dispose of any property at any time held or
acquired hereunder, at public or private sale, for cash or on terms, without advertisement,
including the right to lease for any term notwithstanding the period of the Estate, and to
grant options, including any option for a period beyond the duration of the Estate.
(2) To invest all monies in such stocks, bonds, securities, mortgages, notes,
choses in action, real estate or improvements thereon, and any other property as the
Executor may deem best, without regard to any law now or hereafter enforced limiting
investments of fiduciaries.
(3) To retain for investment any property deposited with the Executor hereunder.
(4) To vote in person or by proxy any corporate stock or other security and to
agree to or take any other action in regard to any reorganization, merger, consolidation,
liquidation, bankruptcy or other procedure or proceedings affecting any stock, bond, note
or other security.
(5) To use attorneys, real estate brokers, accountants and other agents, if such
employment is deemed necessary or desirable, and to pay reasonable compensation for
their services.
(6) To compromise, settle or adjust any claim or demand by or against the Estate
and to agree to any rescission or modification of any contract or agreement affecting the
Estate.
(7) To renew any indebtedness, as well as to borrow money, and to secure the
same by mortgaging, pledging or conveying any property of the Estate.
(8) To retain and carryon any business in which the Estate may acquire an
interest, to acquire additional interest in any such business, to agree to the liquidation in
kind of any corporation in which the Estate may have an interest and to carry on the
business thereof, to join with other owners in adopting any form of management for any
business or property in which the Estate may have an interest, to become or remain a
partner, general or limited, in regazd to any such business or property and to hold the
stock or other securities as an investment, and to employ agents and confer on them
authority to manage and operate the business, property or corporation, without liability
for the acts of such agent or for any loss, liability or indebtedness of such business if the
management is selected or retained with reasonable care.
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LAST WILL AND TESTAMENT
COLLEEN M. KOCHENOUR
PAGE 4
(9) To register any stock, bond or other security in the name of a nominee,
without the addition of words indicating that such security is held in a fiduciary capacity,
but accurate records shall be maintained showing that.such security is a Estate asset and
the Executor shall be responsible for the acts of such nominee.
(B) Whenever the Executor is directed to distribute any Estate assets in fee simple to a
person who is then under twenty-one (21) years of age, the Executor shall be authorized to hold
such property in Trust for such person until he/she becomes twenty-one (21) years of age, and in
the meantime shall use such part of the income and the principal of the Estate as the Executor
may deem necessary to provide for the proper support and education of such person. If such
person should die before becomingtwenty-one (21) years of age, the property then remaining in
trust shall be distributed to the personal representative of such person's estate.
(C) In making distributions from the Estate to or for the benefit of any minor or other
person under a legal disability, the Executor need not require the appointment of a guardian, but
shall be authorized to pay or deliver the same to the custodian of such person, to pay ar deliver
the same to such person without the intervention of a guardian, to pay or deliver the same to a
legal guardian of such person if one has already been appointed, or to use the same for the benefit
of such person.
(D) In the disbursement of the Estate and any division into separate trusts or shares,
the Executor shall be authorized to make the distribution and division in money or in kind, or
bath, regardless of the basis for income tax purposes of any property distributed or divided in
kind, and the distribution and division made and the values established by the Executor shall be
binding and conclusive on all persons taking hereunder. The Executor may in making such
distribution or division allot undivided interests in the same property to several trusts or shares.
(E) The Executor shall be authorized to lend or borrow, including the right to lend to
or borrow from any trusts which I or my husband may have established during life or by will at
an adequate rate of interest and with adequate security, and upon such teens and conditions as
the Executor shall deem fair and equitable.
()~ The Executor shall be authorized to sell or purchase at the fair market value as
determined by the Executor, any property to or from any trust created by me or my husband
during life or by Will, even though the same person or corporation maybe acting as Executor of
my estate or as Trustee of any of my other trusts.
(G) The Executor shall have discretion to determine whether items should be charged
or credited to income or principal or allocated between income and principal as the Executor may
deem equitable and fair under all the circumstances, including the power to amortize or fail to
amortize any part or all of any premium or discount, to treat any part or all of the profit resulting
from the maturity or sale of any asset, whether purchased at a premium or at a discount, as
income or principal or apportion the same between income and principal, to apportion the sales
price of any asset between income and principal, to treat any dividend or other distribution of an
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~A~T WILL AND TESTAMENT
COLLEEN M KOCHENOUR
PAGE 5
investment as income or principal, or apportion the same between income and principal, to
charge any expense against income or principal or apportion the same, and to provide or fail to
provide a reasonable reserve against depreciation or obsolescence on any assets subject to
depreciation or obsolescence, all as the Executor may reasonably deem equitable and just under
all the circumstances. If the Executor does not exercise the above discretionary power, the cash
or accrual allocation shall be in accordance with Chapter 81 of Title 20 of the Pennsylvania
Consolidated Statutes, or the corresponding provisions of subsequent state law.
(H) If at any time the total fair mazket value of the assets of any trust established or to
be established hereunder is so small that the corporate Trustee's annual fee for administering the
trust would be the minimum annual fee set forth in the Trustee's regularly published fee schedule
then, in effect, the Trustee in its discretion shall be authorized to terminate such trust or to decide
not to establish such trust, and in such event the property then held in or to be distributed to such
trust shall be distributed to the persons who are then or would be entitled to the income of such
trust. If the amount of income to be received by such persons is to be determined in the
discretion of the Trustee, then the Trustee shall distribute the property among such of the persons
to whom the Trustee is authorized to distribute income, and in such proportions, as the Trustee in
its discretion shall determine.
(I) Except as otherwise provided in this Will, when the authority and power under
this Will is vested in two (2} or more Executors or Trustees, the authority and powers are to be
held jointly by the Executors or Trustees, respectively. A majority of the Executors or Trustees
may exercise any authority or power granted under this Will or granted by law, and may act
under this Will. Any attempt by one such Executor or Trustee to act under this Will on other
than ministerial acts shall be void. The action of one such Executor or Trustee under this Will
maybe validated by a subsequent ratification of the act by a majority of the Executors or
Trustees.
SIXTH: Rig#}ts and Liabilities of Executor.
(A) No bond or other security shall be required of any Executor.
(B) This instrument always shall be construed in favor of the validity of any act or
omission by any Executor, and any Executor shall not be liable for any act or omission except in
the case of gross negligence, bad faith or fraud. Specifically, in assessing the propriety of any
investment, the overall performance of the entire Estate shall be taken into account.
(C) Each Executor shall be entitled to receive reasonable compensation for services
actually rendered to my estate, in an amount the Executor normally and customarily charges for
performing similaz services during the time which he/she performs the services.
SEVENTH: SQQndthrift Provision. No beneficiary shall have the power to anticipate,
encumber or transfer his or her interest in the estate in any manner other than by the valid
exercise of a power of appointment. No part of the estate shall be liable for or charged with any
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i.AST WILL AND TESTAMENT
COLLEEN M. KOCHENOUR
PAGE 6
debts, contracts, liabilities or torts of a beneficiary or subject to seizure or other process by any
creditor of a beneficiary.
EIGHTH: Tax Elections.
(A) In determining the estate, inheritance and income tax liability relating to my
Estate, the Executor's decision as to all available tax elections shall be conclusive on all
concerned. In accordance with IRC Section 2632(a) and without regard to whether a Federal
estate tax return is actually filed, my Executor shall allocate so much of the Federal Generation
Skipping Transfer (GST) exemption amount as will fully exempt any generation skipping
transfer which may occur under this Will.
(B) The Executor may, in its discretion, determine the date as of which my gross
estate shall be valued for the purpose of determining the applicable tax payable by reason of my
death.
(C) The Executor may, in its discretion, decide whether all or any part of certain
deductions shall be taken as income tax deductions (even though they may equal or exceed the
taxable income of my estate and whether or not claimed or of benefit on my estate's income tax
return) or as estate tax deductions when a choice is available; and in the event that all or any part
of such deductions are taken as income tax deductions, no adjustment of income and principal
accounts in my estate shall be made as a result of such decisions.
NINTH: Definitions and General Provisions.
(A) Survival. Any beneficiary who dies within sixty (b0) days after my death shall be
considered not to have survived me.
(B) Captions. The captions set forth in this Will at the beginning of the various
articles hereof are for convenience of reference only and shall not be deemed to define or limit
the provisions hereof or to affect in any way their construction and application.
(C) Cltild~~gg. As used in this Will, the words "child" and "children" shall include
persons who are legally adopted and the issue of said persons, whether born in or out of wedlock,
so long as any person born out of wedlock is acknowledged in a written instrument executed by
the one of their natural parents who is a descendant of mine to be the child of said descendant.
The word "issue" shall include descendants of all generations including adopted persons. A
posthumous child shall be considered as living at the death of his parent. The birth to me or the
adoption by me of a child or children subsequent to the execution of this Will shall not operate to
revoke this Will. Except for discretionary distributions which may be made unequally among a
group of persons and distributions pursuant to a valid exercise of a power of appointment, in
making a distribution to the children of any person, the property to be distributed shall be divided
into as many shares as there are living children of the person and deceased children of the person
who left children who are then living. Each living child shall take one share and the share of
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LA4T WiI.i. AND TESTAMENT
['(~i ~ F.FN M KOCHENOUR
PAG 7
each deceased child shall be divided among his then-living descendants in the same manner.
(D) Code. Unless otherwise stated, all references in my Will to section and chapter
numbers are to those of the Internal Revenue Code of 1986, as amended, or the corresponding
provisions of any subsequent federal tax laws applicable to my estate.
(E) Other terms. The use of any gender includes the other genders, and the use of
either the singular or the plural includes the other.
(F) Powers of Appointment are Exercised. By this Will I exercise any and all
Powers of Appointment which I possess at the time of my death.
IN WITNESS WHEREOF, I, COLLEEN M. KOCHENOUR, the Testatrix, have to
this my Last Will and Testament, typewritten on eight (8) pages, including the Acknowledgment
and Affidavit, set my hand and seal this~~ day of March, 2007.
COLLEEN M. KOCHENOUR
Signed, sealed, published and declared by the above-named Testatrix, as and for her Last Will
and Testament, in the presence of us, who have hereunto subscribed our names at her request, as
witnesses hereto, in the presence of the said Testatrix, and in the presence of each other. Each of
us further declares that he or she believes the Testatrix to be of sound mind and memory. The
preceding instrument consists of this and seven (7) other consecutively numbered typewritten
pages including the Acknowledgment and Affidavit.
(print name)
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ACKNOWLEDGMENT AND AFFIDAVIT
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
SS:
The Testatrix and the witnesses whose names are signed and subscribed to the attached or
foregoing instrument, being first duly sworn and qualified according to law, do hereby
acknowledge, depose and say to the undersigned authority, that the Testatrix signed and executed
the instrument as her Last Will in the presence of the witnesses; that she signed it willingly or
willingly directed another to sign it for her; that she executed it as her free and voluntary act for
the purposes therein expressed; that each of the witnesses were present and saw the Testatrix sign
and execute the instrument as her Last Will; that each subscribing witness in the hearing and
sight of the Testatrix signed the will as witnesses; and that to the best of their knowledge the
Testatrix was at that time eighteen years of age or older, of sound mind and under no constraint
or undue influence.
Testatrix
Witness
Witness
Sworn to or affirmed, subscribed to, and acknowledged, before me by the above-named
y __ .... .
Testatrix and witnesses, this ~y'`'~ da of March, 2007. -
COMM ~NWEALTH OF PENNSYLVANIA
Nofaflel Seal
Ted L Waloer, Notary PubYc
Lemoyne Boro, Dunberland OantY
AAyCorrrr~ieeion ~ Jan. 20; X011
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