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HomeMy WebLinkAbout04-0822CERTIFICATION OF NOTICE UNDER RULE 5.6(a) Name of Decedent: Richard J. Pasco, Sr. Date of Death: 8/30/2004 Will No. 2004-00822 Admin. No. To the Register: I certify that notice of (beneficial interest) estate administration required by Rule 5.6(a) of the Orphan's Court Rules was served on or mailed to the following beneficiaries of the above-captioned estate on 12/13/2004 Name Address Christine E. Reed, individually and as Trustee Richard J, Pasco, Jr, Lisa El~oru 215 South 16th Street Camp Hill, PA 17011 Lot 163, 7073 Cadisle Pike Carlisle, PA 17013 1306 Chatham Road Camp Hill, PA 17011 Notice has now been given to all persons entitled thereto under Rule 5.6(a) except: Date: 1~ 3f2004:~- Name: E. Ralph Godfrey, Esquire Address: 17 W, South Street Carlisle PA 17013 Telephone(717). 2435100 Capacity: Personal Representative Counsel for Personal Representative PETITION FOR PROBATE and GRANT OF LETTERS No. Social Security No./~'7 ~,~' /~q&,%_eceaged.D The petition of thc undersigned respectfully represents that: Your petitioner(s), who is/are 18 years of age or older an the execnt~'g~E in the last will of thc above decedent, dated and codicil(s) dated 7,//~/'o3~ Register of AWiIIs for the County of ~[2&L~2~z~,~ in the Commonwealth of Pennsylvania named ,190b Decendent was domiciled at death in _{~n~_JO~:],~ County, Pennsylvania, with h/5 last family or principal residence at. o~/,<F 5 /&'al ,5'P (list street, number and muncipality) Decendent. then '7¢ years ofagei died f~ 30 , 19 t~¢ , at Except as follows, decedent did not marry, was not divorced and did not have a child born or adopted after execution of the will offered for probate; was not the victim of a killing and was never adjudicated incompetent: Decendent at death owned property with estimated values as follows: (If domiciled in Pa.) AIl personal property $ /o~0' OO& O0 (If not domiciled in Pa.) Personal property in Pennsylvania $ (If not domiciled in Pa.) Personal property in County $ Value of real estate in Pennsylvallja ~ $ situated as follows: ri,q/ ,FSo~g~]e~ ~ WHEREFORE, petitioner(s) respectfully rgqugst(s) the probate of the last will and codicil(s) presented herewith and the grant of letters (testamenfa~; administration c.t.a4 administration d.b.n.c.t.a.) theron. OATH OF PERSONAL REPRESENTATIVE COMMONWEAL,~TH OF PEI~INSYLVANIA COUNTY OF ( .O-~tl~e-lO,,eX-~ J The petitioner(s) above-named swear(s) or affirm(s) that the stat~aents in the foregoing petition are true and correct to the best of the knowledge and belief of petitioner(s) and that as personal represen- tative(s) of the above decedent petitioner(s) will well and truly administer the estate according to law. Sworn to or affir~alg_d,_ and subscribed c bef~e m.e this _ t~3~x- . day of ~ '~v- ~. ~RegLOer I Estateof~ ~'~¢~qa~c~ ~' ~,~ , Deceased DECREF~ OF PROBATE AND GRANT OF LETTERS the reverse side hereof, satisfactory proof having been presented before me, IT IS DECREED that the instrument(s) dated. described therein be admitted to probate and ~ed of record ns the lazt will of and Letters are hereby granted t° FEES Probate, Letters, Ere .......... $~_~_ Short Certificates( ) .......... $ -- TOTAL .ed .q: ATTORNEY (Sup. Ct. I.D. No.) ADDRF~S PHONE O0 ',l:3 55 ,.1 his is to certify that the information here given is correctly copied tYom an original certificate of death duly filed with me as Local Registrar. The original certificate will be forwarded to the State Vital Records Office for perlnanent filing. WARNING: It is illegal to duplicate this copy by photostat or photograph. ~ 3 ,  eglstr P 10729500 No. COMMONWEALTH OF PENNSYLVANIA · DEPARTMENT OF HEALTH * VITAL RECORDS CERTIFICATE OF DEATH 691 Barnstable P,d. PA 17013 Pasco Road · 200~ PA 17011 Grantville PA LAST WILL AND TESTAMENT (Pour-Over Will) OF RICHARD J. PASCO, SR. Recor, of II)ENTITY I, RICHARD J. PASCO, SR., residing in the County of ~,}t~mberland, Commonwealth of Pennsylvania, being of sound mind and memory, and not acting under duregS or undue influence of any person whomsoever, hereby declare this to be my Last Will and Testament, and I do hereby revoke all other former Wills and Codicils to Wills heretofore made by me. My Social Security Number is 167-24- 0965. Ihave the following children: ChristineE. Reed, bom February 15, 1957, and Richard J. Pasco, Jr., born June 21, 1958, and Elizabeth N. Eimore, born December 3, 1959 DEBTS, TAXES AND ADMINISTRATION EXPENSES I have provided for the payment of all my debts, expenses of administration of property wherever situated passing under this Will or otherwise, and estate, inheritance, transfer, and succession taxes, other than any tax on a generation-skipping transfer that is not a liability of my Estate (including interest and penalties, if any) that become due by reason of my death, under THE RICHARD J. PASCO, SR. REVOCABLE LIVING TRUST executed on even date herewith (the "Revocable Trust"). If the Revocable Trust assets should be insufficient for these purposes, my Executor shall pay any unpaid items from the residue of my Estate passing under this Will, without any apportionment or reimbursement. In the alternative, my Executor may demand in a writing addressed to the Trustee of the Trust an amount necessary to pay all or part of these items, plus claims, pecuniary legacies, and family allowances by court order. PERSONAL AND HOUSEHOLD EFFECTS It is my intent that all my personal and household effects were transferred to the Revocable Trust as a result of the Declaration of Intent signed this date. If there are any questions regarding the ownership or disposition of these assets, it is my desire that such assets pour into the Revocable Trust, signed by me this date in accordance with the provisions of the section titled "Residue of Estate." RESIDUE OF ESTATE I give, devise and bequeath all the rest, residue and remainder of my property of every kind and description (including lapsed legacies and devices), wherever situated and whether acquired before or after the execution of this Will, to the Trustee under that certain Trust executed by me on the same date of the execution of this Will. The Trustee shall add the property bequeathed and devised by this item to the corpus of the above described Trust and shall hold, administer and distribute said property in accordance with the provisions of the said Trust, including any amendments thereto made before my death. If for any reason the said Trust shall not be in existence at the time of death, or if for any reason a court of competent jurisdiction shall declare the foregoing testamentary disposition to the Trustee under said Trust as it exists at the time of my death to be invalid, then I give all of my Estate including the POUR-OVER WILL Page 1 Testator residue and remainder thereof to that person who would have been the Trustee under the Trust, as Trustee, and to their substitutes and successors under the Trust, described herein above, to be held, managed, invested, reinvested and distributed by the Trustee upon the terms and conditions pertaining to the period beginning with the date of my death as are constituted in the Trust as at present constituted giving effect to amendments, if any, hereafter made and for that purpose I do hereby incorporate such Trust by reference into this my Will. EXECUTOR I hereby nominate and appoint Christine E. Reed to serve without bond as my Independent Executor of this my Last Will and Testament. In the event the first named Executor shall predecease me or is unable or unwilling to act as my Executor for any reasons whatsoever, then and in that event, I hereby nominate and appoint Elizabeth iV. Eimore to serve without bond as my Independent Executor. In the event the second named Executor shall predecease me or is unable or unwilling to act as my Executor for any reasons whatsoever, then and in that event, I hereby nominate and appoint Richard J. Pasco, Jr. to serve without bond as my Independent Executor. Whenever the word "Executor" or any modifying or substituted pronoun therefore is used in this my Will, such words and respective pronouns shall be held and taken to include both the singular and the plural, the masculine, feminine and neuter gender thereof, and shall apply equally to the Executor named herein and to any successor to substitute Executor acting hereunder, and such successor or substitute Executor shall possess all the rights, powers, duties, authority, and responsibility conferred upon the Executor originally named herein. EXECUTOR POWERS By way of Illustration and not of limitation and in addition to any inherent, implied or statutory powers granted to executors generally, my Executor is specifically authorized and empowered with respect to any property, real or personal, at any time held under any provision of this my Will: to allot, allocate between principal and income, assign, borrow, buy, care for, collect, compromise claims, contract with respect to, continue any business of mine, convert, deal with, dispose of, enter into, exchange, hold, improve, incorporate any business of mine, invest, lease, manage, mortgage, grant and exercise options with respect to, take possession of, pledge, receive, release, repair, sell, sue for, make distributions in cash or in kind of partly in each without regard to the income tax basis of such asset and in general, exercise all of the powers in the management of my Estate which any individual could exercise in the management of similar property owned in its own fight upon such terms and conditions as to my Executor may seem best, and execute and deliver any and all instruments and do all acts which my Executor may deem proper or necessary to carry out the purpose of this my Will, without being limited in any way by the specific grants or power made, and without the necessity of a court order. My Executor shall have absolute discretion, but shall not be required, to make adjustments in the fights of any Beneficiaries, or among the principal and income accounts to compensate for the consequences of any tax decision or election, or of any investment or administrative decision, that my executor believes has had the effect, directly or indirectly, of preferring one Beneficiary or group of Beneficiaries over others. In determining the Federal Estate and Income Tax liabilities of my Estate, my POUR-OVER WILL Page 2 Testator Executor shall have discretion to select the valuation date and to determine whether any or all of the allowable administration expenses in my Estate shall be used as Federal Estate Tax deductions or as Federal Income Tax deductions. CONTESTS AND SPECIFIC OMISSIONS If any beneficiary under this will, singly or in conjunction with any other person or persons, directly or indirectly: 1. contests in any court the validity of this will or, in any manner, attacks or seeks to impair or invalidate any of its provisions; 2. contests in any court the validity of the Testator's/Testatrix's Will or, in any manner, attacks or seeks to impair or invalidate any of its provisions; 3. seeks to obtain an adjudication in any proceeding in any court that this trust or any of its provisions or that Testator's/Testatrix's Will or any of its provisions is void; 4. claims entitlement by way of any written or oral contract to any portion of the Testator's/Testatrix's estate, whether in probate or under this instrument; 5. unsuccessfully challenges the appointment of any person named as Executor or successor Executor of the Testator's/Testatrix's Will; 6. objects in any manner to any action taken or proposed to be taken in good faith by the Executor of the Testator's/Testatrix's Will; 7. objects to any construction or interpretation of this Will, or any provision of it, that is adopted or is proposed in good faith by the Executor; 8. unsuccessfully seeks the removal of any person acting as the Executor of the Testator 's/Testatrix's Will; 9. files any creditor's claim in Testator's/Testatrix's estate (without regard to its validity), whether the claim arose before or after the date of this instnnnent, but excepting claims for cash advanced or paid for expenses of the Testator's/Testatrix's last illness or funeral paid by said claimant; 10. attacks or seeks to invalidate any designation of beneficiaries for any life insurance policy on Testator's/Testatrix's life; 11. attacks or seeks to invalidate any designation of beneficiaries for any pension or IRA or other form of qualified or non-qualified asset or deferred compensation account, agreement or arrangement; 12. attacks or seeks to invalidate any will which Testator/Testatrix has created or may create during Testator's/Testatrix's lifetime, or any provision thereof, as well as any gift which Testator/Testatrix has made or will made during Testator's/Testatrix's lifetime, whether before or after the date of this instrument; 13. attacks or seeks to invalidate any transaction by which Testator/Testatrix sold any assets (whether to a relative of Testator's/Testatrix's or otherwise); or 14. refuses a request of Testator's/Testatrix's, Executor or other fiduciary to assist in the defense against any of the foregoing acts or proceedings, then that person's right to take any interest given to him or her by this trust shall be determined as it would have been determined if the person had predeceased the execution of this will instrument without issue surviving. The provisions of the foregoing paragraph shall not apply to any disclaimer by any person of any benefit POUR-OVER WILL Page 3 Testator under this will. In the event that any of this provision is held to be invalid, void or illegal, the same shall be deemed severable from the remainder of this provision and shall in no way affect, impair or invalidate any other provision in this will; and if such provision shall be deemed invalid due to its scope or breadth, such provision shall be deemed to exist to the extent of the scope or breadth permitted by law. SIMULTANEOUS DEATH If any other Beneficiary should not survive me for sixty (60) days, then it shall be conclusively presumed for the purpose of this my Will that said Beneficiary predeceased me. RICHARD J. PASCO, SR. Testator This instrument consists of 6 typewritten pages, including the Attestation Clause, Self-Proving Clause, signature of Witnesses, and acknowledgment of officer. I have signed my name at the botto/~of each of the prect~di,n~g~ages.,~;n.stmment is being signed by me on this /]~..~ day of POUR-OVER WILL Page 4 ATTESTATION CLAUSE The Testator whose name appears above declared to us, the undersigned, that the foregoing instrument was his/her Last Will and Testament, and he or she requested us to act as witnesses to such instrument and to his/her signature thereon. The Testator thereupon signed such instrument in our presence. At the Testator's request, the undersigned then subscribed our names to the instrument in our own handwriting in the presence of the Testator. The undersigned hereby declare, in the presence of each of us, that we believe the Testator to be of sound and disposing mind and memory. Signed by us on the same day and year as this Last Will and Testament was signed by the Testator. WITNESSES: ADDRESSES: City, State, Zip {Printed Name of Witness) (Printed Name of Witness) POUR-OVER WILL Page 5 lestator COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND SELF-PROVING CLAUSE ~F~,~qEi/~he undersigned authority, on this ~. pe~s~gt~all3~/ppqared RICHARD J. PASCO, SR., //[~l/l~Pt/,. /~,l~ and r~'"~rg~- /]~/'~q~ known to ~ne to'~be the Testatto~ and the witnesses, respectively,' whose namds'are subscribed to the' foregoing instrument in their respective capacities, and all of them being by me duly sworn, RICHARD J. PASCO, SR., Testator, declared to me and to the witnesses, in my presence, that the inslnnnent is his/her Will and that he or she had willingly made and executed it as his/her free act and deed for the purposes therein expressed; and the Witnesses, each on his or her oath, stated to me in the presence and hearing of the Testator, that the Testator had declared to them that the instrument is his Will and that he or she executed the same as such and wanted each of them to sign it as a witness; and upon their oaths, each witness stated further that he or she did the same as a witness in the presence of the Testator, and at his request and that he or she was at that time eighteen (18) years of age or over and was of sonnd mind, and that each of the witnesses was then at least fourteen (14) years of age. RICHARD J. PA~L~O, SR. Testator (Printed Name of Witness) WitneSs (Printed Name of Witness) SUBSCRIBED AND ACKNOWLEDGED bef~ ~.RI~AR,D and ,t . fore me by /I ~ ~ ~' -- //'R-~ , witnesses, tl~s the ~ota~y Public. C~mmonw;alth J. PASCO, SR., Testator, and day of of Pennsylvania POUR-OVER WILL Page 6 COMMONWEALTH OF PENNSYLVANLA DEPARTMENTOFREVENUE BUREAU OFINDIVIDUAL TAXES DEPT280601 HARRISBURG, PA 17128 0601 RECEIVED FROM: PENNSYLVANIA INHERITANCE AND ESTATE TAX OFFICIAL RECEIPT REV-1162 EX( 1 1 96) NO. CD 004680 REED CHRISTINE E 215 S 16TH ST CAMP HILL, PA 17011 f01d ESTATE INFORMATION: SSN: 167-24-0965 FILE NUMBER: 2104-0822 DECEDENT NAME: PASCO RICHARD J DATE OF PAYMENT: 11/30/2004 POSTMARK DATE: 1 1/30/2004 COUNTY: CUMBERLAND DATE OF DEATH: 08/30/2004 ACN ASSESSMENT CONTROL NUMBER AMOUNT 101 $3,000.00 TOTAL AMOUNT PAID: $3,000.00 REMARKS: SEAL CHECK//218 INITIALS: JA RECEIVED BY: GLENDA FARNER STRASBAUGH REGISTER OF WILLS REGISTER OF WILLS Cumberland County - Register Of wills One Courthouse Square Carlisle, PA 17013 Phone: (717)240-6345 Date: 12/06/2004 REED CHRISTINE E 215 S 16TH ST CAMP HILL, PA 17011 RE: Estate of PASCO RICHARD J File Number: 2004-00822 Dear Sir/Madam: It has come to my attention that you have not filed the Certification of Notice Under Rule 5.7 (a) in the above captioned estate. As per the AMENDMENTS TO SUPREME COURT ORPHANS' COURT RULES, NO. 103 SUPREME COURT RULES DOCKET NO. 1, for decedents dying on or after July 1, 1992, the personal representative or his counsel, within ten (10) days after giving proper notice to the beneficiaries and intestate heirs as required by subdivision (a) of Rule 5.7, shall file with the Register of Wills or Clerk of the Orphans' Court his/her Certification of Notice. This filing will become delinquent on 12/18/2004 Your prompt attention to this matter will be appreciated. Thank You. cc: File Counsel Judge GLENDA FARNER STRASBAUGH Clerk of the Orphans' Court COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE BUREAU OF INDIVIDUAL TAXES DEPT. 280601 HARRISBURG, PA 17128-0601 REV-1162 EX(11-961 RECEIVED FROM: PENNSYLVANIA INHERITANCE AND ESTATE TAX OFFICIAL RECEIPT REED CHRISTINE E 21 5 S 16TH ST CAMP Hill, PA 17011 _____n_ fold ESTATE INFORMATION: SSN: 167-24-0965 FILE NUMBER: 2104-0822 DECEDENT NAME: PASCO RICHARD J DATE OF PAYMENT: 08/08/2005 POSTMARK DATE: 08/08/2005 COUNTY: CUMBERLAND DATE OF DEATH: 08/30/2004 NO. CD 005665 ACN ASSESSMENT CONTROL NUMBER AMOUNT 101 I $2,120.00 I I I I I I I I TOTAL AMOUNT PAID: $2,120.00 REMARKS: C E REED CHECK# 93 SEAL INITIALS: VZ RECEIVED BY: TAXPAYER GLENDA FARNER STRASBAUGH REGISTER OF WillS Inventory of the real and personal estate of RICHARD J. PASCO SR. ,1. PP&L, 2 shares stock 2. Sprint Corporation, 52 shares stock 3. Sprint PCS, 38 shares stock 4. Members First Federal Credit Union, savings 5. Members First Federal Credit Union, checking deceased n '--=0 - ~_,-.l -!~? $95. 0 $1,015.00 $359. 0 $8,281 00 $5,173 00 r:? o U1 " - C. COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND l j 55: Christine E. Reed according to law, deposes and says that she ; s::. rhA Rv~,t-riy of the Estate of Richard J. Pas= Sr. late of ___..____We~!-_~toro'l'cJWnship ,Cumberland County, Pa., deceased and that the within is an inventory made by her _, the said liYPr"llt-riv of the entire estate of said decedent, consisting of all the personal property and real estate, except real estate outside the Commonwealth of Pennsylvania, and that the figures opposite each item of the Inventory represent it's fair value as of the date of decedent's death. being duly sv,urn SWorn and subscribed before me, ~CMJ Executor - Administrator 215 South 16th Street COM~ NWEALTH OF PENNS Notarial Seal Jacqueline L. Drawbaugh, Notary Public South Midct!eton Twp., ~umberland COUnty My Commission Ex sAug. 14, 2007 Date of Death Member, Fennsylvan;a Association of Notaries Day Carrp Hill, PA 17011 Address August 2004 Month Y..r INSTRUCTIONS I. An inventory must be filed within three months after appointment of personal representative. 2. A supplement inventory must be filed within thirty days of discovery of additional assets. 3. Additional sheets may be attached as to personalty or realty 4. See Article IV, Fiduciaries Act of 1949. p, ..... .g ~ N >- ~ ! ." .~ .. N .... W ~ 00 ~ '" .... (J) .. ~ 0 w -< " rLI I <>. .... 8 ~ u .. 0 on .. "" 0 w w a '" ~ I~ 0 J: '" ~ .. I I- <>. LL <>. M .... ....I Ul .. ~ N Z LL ....I -< 0 ~ <>. I W 0 -< w ,;.. 'i > z '" ., - c Ii Z 0 a ~ " -a I on z 0 0 '" :;: U z I w -< .... & <>. ." t;j c ~ I .. - -.: I 0 . I " rLI .., .... .. E ." - ~ 0 .. " 0 I ....I U u: CD REV-1500 EX (6-00) OFFCW.. USE ONLY T ;: _' . ~, COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE DEPT. 280601 HARRISBURG, PA 17128-0601 REV-1500 INHERITANCE TAX RETURN RESIDENT DECEDENT FILE NJMBER ~L COUNTY CODE ~L 0822 ___ YEAR NUMBER W I- ::.:::!cn V"'''' w"'v :I:~ V..... ... .. I- Z W C w U w C DECEDENT'S NAME (LAST, FIRST, AND MIDDLE INITIAL) Pasco Sr. Richard DATE OF DEATH (MM-OD-YEAR) DATE OF BIRTH (MM-DD-YEAR) 8/30/2004 8/28/1930 (IF APPLICABLE) SURVIVING SPOUSE'S NAME (LAST, FIRST, AND MIDDLE INITIAL) REGISTER OF WILLS SOCIAL SEClRIlY NUMBER J SOC~LS8CURnYNUM8ER 167-24-0965 lHlSRETURN MUST BE II'ILED IN DUPLICATE WITH THE [X] 1. Original Return D 4. Limited Estate [X] 6. Decedent Died Testate (Attach copy of Wilt) D 9. Litigation Proceeds Received D 2. Supplemental Retum D 3. Remainder Retum (date of death prior to 12-13-82) D 4a. Future Interest Compromise (date 01 death after 12-12-62) D 5. Federal Estate Tax Retum Required D 7. Deeedent Maintained a Living Trust (AttachcopyofTrusl) L 6. Total Number of Safe Deposit Boxes D 10. Spousal Poverf.yCredit (dale 01 dealhbelween 12-31-91.001-1-95) D 11. Election to tax under Sec. 9113(A)(AttachSc~O) ... z w o z o .. en w '" '" o V THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: NAME COMPLETE MAILING ADDRESS E. Ral h Godfre ,Es ire 95 Alexander Spring Road, Suite 3 FIRM NAME (If Applicable) SALZMANN HUGHES PC TELEPHONE NUMBER Carlisle, PA 17013 717-249-6333 1. Real Estate (Schedule A) o 1,469 o o 13,454 o <"~:J -~USEON["fl . J ,:"'" , -:J 'J :? (1) (= G, I 0:> 2. Stocks and Bonds (Schedule B) (2) -:.--:2 ~-" 1 . ~-j 3. Closely Held Corporation, Partnership or Sole-Proprietorship (3) 4. Mortgages & Notes Receivable (Schedule D) (4) 5. Cash, Bmk Deposits & Miscellaneous Personal Property (Schedule E) (5) Z 6. Jointly O...."ed Property (Schedule F) (6) 0 D Separate Billing Requested ~ :s 7. Inter-Vivos Trmsfers & Miscellaneous Non-Probate Property (7) ::;) (Schedule G or L) l- ii: 8. Total Gross Asse1s (total Lines 1-7) 00( U W 9. Funeral Expenses & Administrative Costs (Schedule H) (9) It: 10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I) (10) 11. Total Deductions (total Lines 9 & 10) ~~-l -=j -a N <::> 1'-1 <J\ 172,582 187,505 70.666 116,839 o 12. Net Value of Estate (Line 6 minus Line 11) 13. Charitable and Governmental Bequests/See 9113 Trusts forYAlich an election to tax has not been made (Schedule J) 14. Net Value Subject to Tax (Line 12 minus Line 13) 116,839 SEE INSTRUCTIONS ON REVERSE SlOE FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax z rate, or transfers under Sec. 9116 (a)(12) o j: .. I- ::> ... ::E o V )( .. I- o x.O L(15) 45 (16) o 5,258 o o 1.. Amount of Line 14 taxable at lineal rate 116 , 839 x .0 17. Amount of Line 14 taxable at sibling rate 0 x .12 18. Amount of Line 14 taxable at collateral rate 0 x .15 19. Tax Due (17) (18) (19) 5,258 20 0 CHECK HERE IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT > > BE SURE TO ANSWER ALL QUESTIONS ON REVERSE SIDE AND RECHECK MATH < < 3W46451.ooo Decedent's Complete Address: STHEET ADDRESS . ~_..... 1 691 Barnstable Road Cumberland CITY I STAlE I ZIP Carlisle PA 17013- Tax Payments and Credits: 1. Tax Due (Page 1 Line 19) 2. Credits/Payments A. Spousal Poverty Credit 8. Prior Payments C. Discount (1) 5,258 o 3.000 158 Total Credits (A + 8 + C) (2) 3.158 3. Interest/Penalty if applicable D. Interest E. Penalty o o Total Interest/Penalty (0 + E) (3) o 4. If Line 2 is 9reater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. Check box on Page 1 Line 20 to request a refund (4) o 5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (5) 2.100 A. Enter the interest on the tax due. (SA) 20 B. Enter the total of Line 5 + SA. This is Make (58) 2.120 PLEASE ANSWER THE FOLLOWING QUESTIONS 8Y PLACING AN "X" IN THE APPROPRIATE BLOCKS Yes D D D D without receiving adequate consideration? . ". . . . . . . . . . . . . . . . . . . . . . . . . .. D 3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death? D 4. Did decedent own an Individual Retirement Account. annuity, or other non-probate property which contains a beneficiary designation? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. fXJ D IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. Under penalties of perjury, I declare Il'lat I haweJC8mined this retum, ...duding accompanying schedules and slatements, and to the best of my knowledge and belief, it is true. correct and axnplete. Declaration of preparer other than the personal representatiw is based on all InformatiOn 01 which preparer has any knowledge. SIGNA 1lFE OF PERSON RESPONSIBlE FOR A N 1. Did decedent make a transfer and: 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.retainareversionaryinterest;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 No 0!1 0!1 0!1 U!1 09 09 DA1E Christine E. Reed AOORE 215 South 16th Street SlGNAlURE OF PREPARER OTI-ER lHAN REPRESENTATIVE 8/2/2005 Camp Hill, PA 17011 DA1E ire B/2/2005 Spring Road, Suite 3 CarliSle, PA 17013 itj\J';;~;;;ii;'j;::iUtk/i2;"'@!!k\jgL'T!u!j&}0t;i1'\k";M<.Q;H~~0Jm!fJ.;'0fiL:diiiDt):TiftSdIili;ri:f';2!J;i!lE'5.YikiG?'}iti:;;JUr:.::UiX .">if'iiiii?,il;;ii2.;~/!$'l;j1N'~:i:$:1*_lg~~llifu~-1f11.'itddif:;;0,1:,'<<1J;W0i!!f0f?Lltri!8j0isl;0L:;-e,~!;i5: For dates of death on or after July 1, 1994 and before January 1, 1995, the tax rate imposed on the net value dtransfers to or for the use of the surviving spouse is 3% [72 P.S. ~ 99'6 (0)(1.1) (ill. For dates of death on or after January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0% [72 P.$. ~ 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 ewn 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 twenty-one years of age or younger at death to or for the use d a natural parent an adoptive parent, or a stepparent of the child is 0% [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%, except as noted in 72 P.S. ~ 9116{1.2) [72 P.S. €i9116(a)(1)]. The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is 12% (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. 3W46461.ooo REV-1503 EX + (6-98) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF SCHEDULE B STOCKS & BONDS FILE NUMBER Richard J. Pasco Sr. 21 04 0822 All property jointly-owned with right of survivorship must be disclosed on Schedule F. I"!EM NlJII1BER CESCRlPTlON VALLE AT DATE OF DEATH 1. 2 Shares Pennsylvania Power & Light Copmany CUSIP: 709051106 95 2 52 Shares Sprint Corporation, Fon Group CUSIP: 852061100 1,015 3 38 Shares Sprint PCS CUSIP: 852061506 359 3W46961_000 TOTAL (Also enter on line 2, Recapitulation) $ (If more space is needed, insert additional sheets of the same size) 1,469 REV-15OB EX + '6-98} COMMONVVEAL TH OF PENNSYLVANIA INt-ERlTANCE TAX RETURN RESIDENT DECEDENT SCHEDULE E CASH, BANK DEPOSITS, & MISC. PERSONAL PROPERTY ESTATE OF Richard J. Pasco Sr. FILE NUMBER 21 04 0822 Include the proceeds of litigation and the date the proceeds were receiwd by the estate. AI property jointty-owned with the rlght of survivorship must be d*losed on Schedule F. ITEM NUMBER DESCRIPTION VALUE AT DATE OF DEATH 1 Members First Federal Credit Union, regular savings account 8,281 2 Members First Federal Credit Union 5,173 3W46AD 1_000 TOTAL 'Also enter on line 5 Recaoitulatioo\ $ (If more space is needed, insert addition.. sheets cI the same size) 13,454 REV-1510 EX + (6-96) CQMMONI/IJEAL"TH OF PENNSYLVANiA INt-ERlTANCE TAX RETURN RESIDENT DECEDENT ESTATEOF Richard J. Pasco Sr. SCHEDULE G INTER-VIVOS TRANSFERS & MISC. NON-PROBATE PROPERTY FILE NUMBER 21 04 0822 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. DESCRIPTION OF PROPERlY ITEM IN:L.L.I;E Tl-E l'.w.E OF Tl-E TJWIISFEREE, Tl-ElR RB.ATlONSHP TO DECEDENT ND DATE OF DEATH % OF DECD'S EXCLUSION TAXABLE NtNBE' n-EOI'.1EOF~ ATTJIQo\AttP'f OF Tl-E OEED FOR REAl.. eSTATE VALUE OF ASSET INTEREST IF I>PPUCABLEl VALUE 1. 691 Barnstable Road Carlisle, PA 17013 105,000 100.0000 0 105,000 2 Brown Co. IRA 67,582 100.0000 0 67,582 TOTAL (Also enter on line 7, Recapitulation) $ 172 582 (If more space is needed, Insert additional sheets of the same size) 3W46AF 1.000 REV_1511 EX+ (12_99) SCHEDULE H FUNERAL EXPENSES & ADMINISTRATIVE COSTS COMMONWEALTH OF PENNSYLVANIA If'l-ERITANCE TAX REllJRN RESIDENT DECEDENT ESTATE OF Richard J. Pasco Sr. FILE NUIIIlER 21 04 0822 Debts of decedent must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL EXPENSES: 1. Cremation Society 1,126 B. ADMINISTRATIVE COSTS: 1. Personal Representative's Commssions 2,500 Name of Personal Representatille{s) Christine E. Reed Social Security Number(s) I EIN Number of Personal Representative(s) 189-50-6203 Street Address 215 South 10th Street City Camp Hill State PA Zip 17011 Year(s) Commission Paid: 2005 2. Attorney Fees 2,300 3. Family Exemption: (If decedent's address is not the same as daimant's. attaCh 9)lJJIanation) Claimant Street Address Cdy State Zip Relationship of Claimant to Decedent 4. Probate Fees 266 5. Accountanfs Fees 6. Tax Retum Preparer's Fees 7. 1 Cumberland Law Journal 75 2 Diller Disposal 100 3 Register of Wills 30 Tota~ from continuation schedules . 4,431 TOTAL (Also enter on line 9, Recapitulation) $ 10 828 3W46AG 1.000 (If more space is needed, insert additional sheets of the same size) Estate of: Richard J. Pasco Sr. 167-24-0965 Schedule H Part 7 (Page 2) 4 5 Settlement charges The Sentinel - Legal 4,316 115 Total (Carry forward to main schedule) 4,431 REV-1512EX+'12-03) " COMMor-.NIIEALTH OF PENNSYLVANIA INl-ERrrANCE TAX RETURN RESIDENT DECEDENT ESTATE OF Richard J. Pasco Sr SCHEDULE I DEBTS OF DECEDENT, MORTGAGE LIABILITIES, & LIENS FILE NUMBER 21 04 0822 Report debts incurred by the decedent prior to death which remained unpaid as of the date of death. including unrelmbursed medical expenses. ITEM NlMBER 1. DESCRIPTION VAlUE AT DATE OF DEATH National City Mortgage 58,274 2 Thomas Thomas & Hafer 200 3 US Treasury 1,364 . . 3W46AH 2.000 TOTAL (Also enter on line 10. Recapitulation) $ (If more space is needed. insert additional sheets of the same size) 59 838 REV-1513 EX+(9-QO) SCHEDULE J BENEFICIARIES COMMONWEAL 1H OF PENNSYLVANIA INHERITANCE TAX RETURN RESlDENTDECEOENT ESTATE OF Richard J Pasco Sr FILE NUMBER 21 04 0822 . RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE I TAXABLE DISTRIBUTIONS [indude outright spousal distributions, and transfers under Sec. 9116 (a) (1.2)J 1 Elizabeth A. Elmore 1306 Chatham Road Camp Hill, PA 17011 Daughter one-third 2 Richard V. Pasco Jr. 7073 Carlisle Pike 11163 Carlisle, PA 17013 Son one-third 3 Christine E. Reed 215 South 16th Street Camp Hill, PA 17011 Daughter one-third ENTER OOlLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 1 B. AS APPROPRIATE. ON REV-1500 COVER SHEET II NON- TAXABLE DISTRIBUTIONS: A SPOUSAL DISTRIBUTlONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT BEING MADE B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS TOTAL OF PART II . ENTER TOTAL NON-TAXABLE DlSTRlBUTlONS ON LINE 13 OF REV-1500 COVER SHEET $ 0 .. 3W46AI1.000 (If more space IS needed, insert additional sheets of the same SIZe) LAST WILL AND TESTAMENT (pour-Over WiD) OF RICHARD J. PASCO, SR. ~I.O~ -.e~ IDENTITY T:6. -' q "'-' ~:P -:; :' > :19 I. RICHARD J. PASCO, SR., residing in the County of Cumberland, Commonwealth of Pennsylvania, being of sound mind and memory, and not acting under d~ess or undue influence of any person whomsoever, hereby declare this to be my Last Will and Testament, and I do hereby revoke all other former Wills and Codicils to Wills heretofore made by me. My Social Security Number is 167-24- 0965. I have the following children: Christine E. Reed, born February 15, 1957, and Richard J. Pasco, Jr., born June 21, 1958, and Elizabeth N. Elmore, born December 3, 1959 DEBTS, TAXES AND ADMINISTRATION EXPENSES I have provided for the payment of all my debts, expenses of administration of property wherever situated passing under this Will or otherwise, and estate, inheritance, transfer, and succession taxes, other. than any tax on a generation-skipping transfer that is not a liability of my Estate (including interest and penalties, if any) that become due by reason of my death, under TIlE RICHARD J. PASCO, SR. REVOCABLE LIVING TRUST executed on even date herewith (the "Revocable Trust"). If the Revocable Trust assets should be insufficient for these purposes, my Executor shall pay any unpaid items from the residue of my Estate passing under this Will, without any apportionment or reimbursement. In the alternative, my Executor may demand in a writing addressed to the Trustee of the Trust an amount necessary to pay all or part of these items, plus claims, pecuniary legacies, and family allowances by court order. PERSONAL AND HOUSEHOLD EFFECTS It is my intent that all my personal and household effects were transferred to the Revocable Trust as a result of the Declaration of Intent signed this date. If there are any questions regarding the ownership or disposition of these assets, it is my desire that such assets pour into the Revocable Trust, signed by me this date in accordance with the provisions of the section titled "Residue of Estate." RESIDUE OF ESTATE I give, devise and bequeath all the rest, residue and remainder of my property of every kind and description (including lapsed legacies and devices), wherever situated and whether acquired before or after the execution of this Will, to the Trustee under that certain Trust executed by me on the same date of the execution of this Will. The Trustee shall add the property bequeathed and devised by this item to the corpus of the above described Trust and shall hold, administer and distribute said property in accordance with the provisions of the said Trust, including any amendments thereto made before my death. If for any reason the said Trust shall not be in existence at the time of death, or if for any reason a court of competent jurisdiction shall declare the foregoing testamentary disposition to the Trustee under said Trust as it exists at the time of my death to be invalid, then I give all of my Estate including the POUR-OVER WILL Page I C!V Testator residue and remainder thereof to that person who would have been the Trustee under the Trust, as Trustee, and to their substitutes and successors under the Trust, described herein above, to be held, managed, invested, reinvested and distributed by the Trustee upon the terms and conditions pertaining to the period beginning with the date of my death as are constituted in the Trust as at present constituted giving effect to amendments, if any, hereafter made and for that purpose I do hereby incorporate such Trust by reference into this my Will. EXECUTOR I hereby nominate and appoint Christine E. Reed to serve without bond as my Independent Executor of this my Last Will and Testament. In the event the first named Executor shall predecease me or is unable or unwilling to act as my Executor for any reasons whatsoever, then and in that event, I hereby nominate and appoint Elizabeth N. Elmore to serve without bond as my Independent Executor. In the event the second named Executor shall predecease me or is unable or unwilling to act as my Executor for any reasons whatsoever, then and in that event, I hereby nominate and appoint Richard J. Pasco, Jr. to serve without bond as my Independent Executor. Whenever the word "Executor" or any modifYing or substituted pronoun therefore is used in this my Will, such words and respective pronouns shall be held and taken to include both the singular and the plural, the masculine, feminine and neuter gender thereof, and shall apply equally to the Executor named herein and to any successor to substitute Executor acting hereunder, and such successor or substitute Executor shall possess all the rights, powers, duties, authority, and responsibility conferred upon the Executor originally named herein. EXECUTOR POWERS By way of H1ustration and not of limitation and in addition to any inherent, implied or statutory powers granted to executors generally, my Executor is specifically authorized and empowered with respect to any property, real or personal, at any time held under any provision of this my Will: to allot, allocate between principal and income, assign, borrow, buy, care for, collect, compromise claims, contract with respect to, continue any business of mine, convert, deal with, dispose of, enter into, exchange, hold, improve, incorporate any business of mine, invest, lease, manage, mortgage, grant and exercise options with respect to, take possession of, pledge, receive, release, repair, sell, sue for, make distributions in cash or in kind of partly in each without regard to the income tax basis of such asset and in general, exercise all of the powers in the management of my Estate which any individual could exercise in the management of similar property owned in its own right upon such terms and conditions as to my Executor may seem best, and execute and deliver any and all instruments and do all acts which my Executor may deem proper or necessary to carry out the purpose of this my Will, without being limited in any way by the specific grants or power made, and without the necessity of a court order. My Executor shall have absolute discretion, but shall not be required, to make adjustments in the rights of any Beneficiaries, or among the principal and income accounts to compensate for the consequences of any tax decision or election, or of any investment or administrative decision, that my executor believes has had the effect, directly or indirectly, of preferring one Beneficiary or group of Beneficiaries over others. In determining the Federal Estate and Income Tax liabilities of my Estate, my POUR-OVER WILL Page 2 :~~ 2 n:) , -JC~ ~:>:;rb ' Testator Executor shall have discretion to select the valuation date and to determine whether any or all of the allowable administration expenses in my Estate shall be used as Federal Estate Tax deductions or as Federal Income Tax deductions. CONTESTS AND SPECIFIC OMISSIONS If any beneficiary under this will, singly or in conjunction with any other person or persons, directly or indirectly: 1. contests in any court the validity of this will or, in any manner, attacks or seeks to impair or invalidate any of its provisions; 2. contests in any court the validity of the Testator'srrestatrix's Will or, in any manner, attacks or seeks to impair or invalidate any of its provisions; 3. seeks to obtain an adjudication in any proceeding in any court that this trust or any of its provisions or that Testator'srrestatrix's Will or any of its provisions is void; 4. claims entitlement by way of any written or oral contract to any portion of the Testator'sfTestatrix's estate, whether in probate or under this instrument; 5. unsuccessfully challenges the appointment of any person named as Executor or successor .Executor of the Testator'sfTestatrix's Will; 6. objects in any manner to any action taken or proposed to be taken in good faith by the Executor of the Testator'srrestatrix's Will; 7. objects to any construction or interpretation of this Will, or any provision of it, that is adopted or is proposed in good faith by the Executor; 8. unsuccessfully seeks the removal of any person acting as the Executor of the Testator'sfTestatrix's Will; 9. files any creditor's claim in Testator'sfTestatrix's estate (without regard to its validity), whether the claim arose before or after the date of this instrument, but excepting claims for cash advanced or paid for expenses of the Testator'sfTestatrix's last illness or funeral paid by said claimant; 10. attacks or seeks to invalidate any designation of beneficiaries for any life insurance policy on Testator' sfT estatrix' slife; II. attacks or seeks to invalidate any designation of beneficiaries for any pension or IRA or other form of qualified or non-qualified asset or deferred compensation account, agreement or arrangement; 12. attacks or seeks to invalidate any will which Testatorrrestatrix has created or may create during Testator'srrestatrix's lifetime, or any provision thereof, as well as any gift which Testator/Testatrix has made or will made during Testator'sfTestatrix's lifetime, whether before or after the date of this instrument; 13. attacks or seeks to invalidate any transaction by which Testatorrrestatrix sold any assets (whether to a relative of Testator'sfTestatrix's or otherwise); or 14. refuses a request of Testator'sfTestatrix's, Executor or other fiduciary to assist in the defense against any of the foregoing acts or proceedings, then that person's right to take any interest given to him or her by this trust shall be determined as it would have been determined if the person had predeceased the execution of this will instrument without issue surviving. The provisions of the foregoing paragraph shall not apply to any disclaimer by any person of any benefit POUR-OVER WILL Page 3 ~--~..----- (~- I " , I . Testator under this will. In the event that any of this provision is held to be invalid, void or illegal, the same shall be deemed severable from the remainder of this provision and shall in no way affect, impair or invalidate any other provision in this will; and if such provision shall be deemed invalid due to its scope or breadth, such provision shall be deemed to exist to the extent of the scope or breadth permitted by law. S~TANEOUSDEATH If any other Beneficiary should not survive me for sixty (60) days, then it shall be conclusively presumed for the purpose of this my Will that said Beneficiary predeceased me. O~~ RICHARD J. PAS ,SR. Testator This instrument consists of 6 typewritten pages, including the Attestation Clause, Self-Proving Clause, signature of Witnesses, and acknowledgment of officer. I have signed my name at the botto$of each of the prec ding ages. This instrument is being signed by me on this ! t _ day of ,p,3. . POUR-OVER WILL Page 4 ATTESTATION CLAUSE The Testator whose name appears above declared to us, the undersigned, that the foregoing instrument was hislher Last Will and Testament, and he or she requested us to act as witnesses to such instrument and to his/her signature thereon. The Testator thereupon signed such instrument in our presence. At the Testator's request, the undersigned then subscribed our names to the instrument in our own handwriting in the presence of the Testator. The undersigned hereby declare, in the presence of each of us, that we believe the Testator to be of sound and disposing mind and memory. Signed by us on the same day and year as this Last Will and Testament was signed by the Testator. WITNESSES: ~~W~ 14-fh. W. &\y- ADDRESSES: b f 3 ~rnskJ)~ Pol PA (Printed Name of Witness) C1.rfis/e, City, State, Zip . 170 i 3 ~ ~ 1', ~-t~/ c;C;3 iVll?N<:;TflBl E RD. FRED [;, HAIR (Printed Name of Witness) CIlRLJSL~) P./!-. 170/1 City, State, Zip POUR-OVER WILL Page 5 (/;(;'-) ,--,/)~ ~ COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND SELF-PROVING CLAUSE e undersigned authority, on this P fs~all PP'lared RICHARD J. PASCO, SR., and I:t- , known to me to be the Testa or and the witnesses, respectively, whose nam s are subscribed to the foregoing instrument in their respective capacities, and all of them being by me duly sworn, RICHARD J. PASCO, SR., Testator, declared to me and to the witnesses, in my presence, that the instrument is hislher Will and that he or she had willingly made and executed it as his/her free act and deed for the purposes therein expressed; and the Witnesses, each on his or her oath, stated to me in the presence and hearing of the Testator, that the Testator had declared to them that the instrument is his Will and that he or she executed the same as such and wanted each of them to sign it as a witness; and upon their oaths, each witness stated further that he or she did the same as a witness in the presence of the Testator, and at his request and that he or she was at that time eighteen (I 8) years of age or over and was of sound mind, and that each of the witnesses was then at least fourteen (14) years of age. ~~~ RICHARD J. PAsEo, SR. Testator ~~W-~ Witne~f1". W. Hcuv- (printed Name of Witness) ~ i C!. ~~-' Witness FRED t=" !/;1-i R (Printed Name of Witness) SUBSCRIBED AND ACKNOWLEDGED be~~UgIAR.D J. PASCO, SR., Testator, and s bscribe d m t before me by #-. _ ._j ~ Pi and . witnesses, s the ~ day of , J.A?3 . ., Public, ommonwealth of Pennsylvania TARlAl SEAL IERO T.lEWIS, NOTARVPUBLlC TREOYFfRIN TWP., CHESlER COUNTY MY COMMISSION EXPIRES SEPT. 25 200 POUR-OVER WILL Page 6 CERTIFICATE OF TRUST THE RICHARD J. PASCO, SR. REVOCABLE LIVING TRUST AGREEMENT DATED ?;0~ ,206.7 The undersigned hereby certifies that I created a Revocable Living Trust. This Trust is kn~ as THE RIC J PASCO, SR. REVOCABLE LIVING TRUST AGREEMENT, dated the 1"_ day of - ~ . RICHARD J. PASCO, SR., Grantor, Settlor and Trustee, resides at 691 tabl oad, Carlisle, County of Cumberland, and Commonwealth of Pennsylvania. IT IS AGREED BETWEEN THE PARTIES HERETO AS FOLLOWS: Description of Trust The party hereto desires to confirm the establishment of a Revocable Trust on this date for the benefit of the Settlor and containing herein the following provisions: TERMS OF THE TRUST L The Settlor is designated as the Trustee to serve until his death, resignation, or incompetence. 2. Upon the end of the terms of the original Trustee, Christine E. Reed is designated as First Successor Trustee. Elizabeth No Elmore is designated as Second Successor Trustee. Richard J. Pasco, Jr. is designated as Third Successor Trustee. TRUSTEE POWERS 3. Any Trustee/Settlor has the power and authority to manage and control, buy, sell, mortgage, and transfer the Trust property in such manner as the Trustee may deem advisable, and shall have, enjoy and exercise all powers and rights over the concerning said property and the proceeds thereof as fully and amply as though said Trustee were the absolute and qualified owner of same, including the power to grant, bargain, sell and convey, encumber and hypothecate, real and personal property, and the power to invest in corporate obligations of every kind, stocks, preferred or common, and to buy stocks, bonds and similar investments on margin or other leveraged accounts, except to the extent that such management would cause includability of an irrevocable trust in the Estate of a Trustee. TRUST ADMINISTRATION 4. Following the death of Trustee, the Trust will continue or be distributed in whole or in part for the benefit of other named Beneficiaries according to the terms of the Trust. CERTIFICATE OF TRUST Page 1 5. While Settlor is living and competent, except when there shall be a Corporate Trustee, Trustee may add money to or withdraw money from any bank or savings and loan or checking account owned by the Trust. 6. Unless otherwise indicated to a prospective transferee, the Trustee has full power to transfer assets held in the name of the Trust. Subsequent transferees are entitled to rely upon such transfers provided that the chain oftitle is not otherwise deficient. 7. The Trust Agreement also states that any bank, corporation, brokerage firm, or other entity or individual, may conclusively presume that the Trustee has full power and authority over the Trust Assets and such person or institution shall be held harmless and shall incur no liability by reason of so presuming. 8. The situs of the Trust is the COMMONWEALTH OF PENNSYLVANIA. 9. Any conflict between this abstract and the Trust shall be decided in Favor of the Trust. IN WITNESS WHEREOF, the party has hereto executed this Summary of Trust this date. SETTLORffRUSTEE Q?~@- ,C, RICHARDJ.PA O,SR. COMMONWEALTH OF PENNSYL V ANlA} COUNTY OF CUMBERLAND} ss. d On this, the I J, -day of appeared RICHARD J. PASCO, on this instrument, and acknowle ,J 1:>3 , before me, a Notary Public, personally er lly known to me to be the person whose name is subscribed that he/she executed it for the purposes herein expressed. onwealth of Pennsylvania NOTARIAL SEAL JEROME t lEWIS, NOTARY PUBLIC TREOYFFRIN TWP., CHESTER COUNlY MY COMMISSION EXPIRES SEPT. 25 2006 CERTIFICATE OF TRUST Page 2 REVOCABLE LIVING TRUST AGREEMENT T S AGREEMENT AND DECLARATION OF TRUST, made effective the It. tj day of ~ ,20 ~ ,by RICHARD J. PASCO, SR., Grantor, Settlor and Trustee, who resides at able Road, Carlisle, County of Cumberland, Commonwealth of Pennsylvania, does hereby e Iish a Trust upon the conditions and for the purposes hereafter set forth. WITNESSETH: WHEREAS, in order to provide the future comfort and security to himself and the other beneficiaries hereafter mentioned, Grantor desires to create a revocable trust for the purposes hereinafter set forth; ARTICLE ONE Terms of the Trust Section 1.01 - Trust Estate Defined NOW, THEREFORE, in consideration of the premises and of the Covenants herein contained this Revocable Trust is formed to hold title to real and personal property for the benefit of the Settlor of this Trust and to provide for the orderly use and transfer of these assets upon the death of the Settlor. The "Trust Estate" is defined as all property transferred or conveyed to and received by the Trustee held pursuant to the terms of this instrument. The Trustee is required to hold, administer, and distribute this property as provided in this Trust Agreement. The name of this Trust Agreement shall be: THE RICHARD J. PASCO, SR. REVOCABLE LIVING TRUST AGREEMENT DATED ,?)6, 20 t>J Section 1.02 - Definitions of Terms As used in this Trust Agreement: I. The term "Settlor" shall mean RICHARD J. PASCO, SR.. 2. The term "Descendant" shall mean the lawful issue of a deceased parent in the line of descent, but does not include the issue of any parent who is a descendant of the deceased person in question and who is living at the time in question. 3. The terms "Child" and "Descendant" include any issue born to decedent, a child legally adopted by the decedent, and a posthumous child of a decedent. A posthumous child is to be considered as living at the time of his or her parent's death. 4. The term "Survives" or "Surviving", unless otherwise indicated herein, shall be construed to mean surviving the decedent for at least sixty (60) days. If the person referred to dies REVOCABLE LIVING TRUST AGREEMENT Page 1 within sixty (60) days of the death of the decedent, the reference to him or her will be construed as if he or she had failed to survive the decedent; provided, however, that any such person will have, during such period, the right to the use and enjoyment as a life tenant of all property in which his or her interest will fail by reason of death during such period. 5. The term "Issue" will include all natural and adopted children, if applicable, and descendants and those legally adopted into the line of descent. 6. The term "Per Stirpes" means strict per stirpes and does not mean per capita with representation. Beneficiaries entitled to take under a "per stirpes" clause will include both natural and adopted children and their descendants. 7. The terms "Trust Assets" and "Trust Estate" include all assets of any trust created hereunder and income derived from such assets and all proceeds of any description derived from the sale, exchange, or other disposition of such assets. 8. When required to give reasonable effect to the context in which used, pronouns in the masculine, feminine, or neuter gender include each other, and nouns and pronouns in the plural or singular number include each other. Section 1.03 - Trustee Designation Settlor is hereby designated as Trustee. The term "Trustee" as used in this Trust Agreement shall refer to Settlor so long as he or she serves as Trustee, and/or to any successor Trustee who assumes the role of Trustee. These Trustees shall serve in the order as provided in Section 8.0 I of this Trust Agreement. Section 1.04 - Additions to Trust Properties I. The Trustee, at any time during the continuance of this Trust in his or her sole discretion after consideration of the possible tax consequences to all concerned, is authorized to receive into the Trust additions of cash and other properties from any source whatsoever, whether by gift, will, or otherwise. However, the Trustee shall accept all assets which any person or persons may give, devise, or bequeath by Last Will and Testament to this Trust, and shall accept all assets transferred to this Trust pursuant to the provisions of any other Trust document or documents. 2. In addition. any person or persons may designate this Trust as the Beneficiary, Primary or Contingent, of any death benefits to include insurance benefits, pension benefits, or other benefits. Until such benefits mature, the Trustee shall have no responsibility with respect to those benefits. Section 1.05 - Apportionment The Trustee of the Trust is directed to apportion receipts and expenditures of the types described below between principal and income as follows: I. Whenever the principal, or any part thereof, of the Trust property is invested in securities purchased at a premium or at a discount, any premium will be charged against principal and any discount will be credited to principal; REVOCABLE LIVING TRUST AGREEMENT Page 2 2. Any stock dividends and rights to purchase additional stock issued on securities held in trust will be treated as principal. All other dividends, except liquidating distributions, will be treated as income; and 3. The amount of any applicable depletion allowance for federal income tax purposes will be treated as income. Section 1.06 - Discretionary Termination The Trustee may terminate any Trust when, in the opinion of the Trustee, the principal is reduced to such an extent that it is not in the best interest of the Beneficiary or Beneficiaries to continue the Trust. The judgment of the Trustee with respect to this decision to terminate will be final and not subject to judicial review. If the Trustee terminates a Trust according to this Section, the date the Trust terminates will be deemed the date fixed for termination of the Trust, and the Trustee will distribute the assets of the terminating Trust to the Beneficiary or Beneficiaries pursuant to this Agreement. Section 1.07 - Amendment and Revocation At any time during the life of the Settlor, the Settlor may, by a duly executed instrument filed with the Trustee: 1. Amend this Trust Agreement in any manne'r; and/or 2. Revoke this Trust Agreement in part or in whole. If the Trust Agreement is revoked in whole, the Trustee shall transfer title to all Trust property of every kind and description back into the individual name of the Settlor. The instrument of amendment or revocation shall be effective immediately upon its proper execution by the Settlor, but until a copy has been received by a Trustee, that Trustee shall not incur any liability or responsibility either (i) for failing to act in accordance with such instrument or (ii) for acting in accordance with the provisions of this Trust Agreement without regard to such instrument. 3. Withdraw from the Trust Estate all or any part of the principal and accumulated income of the Trust to satisfY liabilities lawfully incurred in the administration of this Trust. Section 1.08 - Revocation or Alteration by Settlor Alone The rights of revocation, withdrawal, alteration, and amendment reserved in this Article may only be exercised by the Settlor and may not be exercised by any other person, including an agent, a guardian, or a conservator. Section 1.09 - Irrevocability Except as otherwise provided, on the death of Settlor, the designation of Beneficiaries of specific gifts in this Trust shall become irrevocable and not subject to amendment or modification. Section 1.10 - Settlor Powers The Settlor shall be the Trustee unless and until he or she resigns in writing or is determined incompetent under the terms provided herein. The Settlor shall retain all absolute rights to discharge or replace any Successor Trustee so long as the Settlor is competent. REVOCABLE LIVING TRUST AGREEMENT Page 3 ARTICLE TWO Trust Administration Section 2.01 - Trust Income During the life of the Settlor. the Trustee shall at least annually, unless otherwise directed by Settlor in writing, pay to or apply for the benefit of Settlor, all of the net income from the Trust Estate. Section 2.02 - Protection of Settlor in Event of Incapacity During the life of the Settlor, should Settlor become incapacitated as defined in Section 2.03 below, the Trustee may, in the Trustee's absolute discretion, pay income and principal for the benefit of the incapacitated Settlor, and may pay to or apply for the benefit of that Settlor such sums from the net income and from the principal of the Estate of the Trustee, in the Trustee's absolute discretion, believes is necessary or advisable for the medical care, comfortable maintenance, and welfare of the Settlor. Section 2.03 - Incapacity In the event that any Trustee or any Beneficiary hereunder comes into possession of any of the following: \. Ajurisdictionally applicable court order holding the party to be legally incapacitated to act on his or her behalf and appointing a guardian or conservator to act for him or her; Or 2. Written certificates which are duly executed, witnessed, and acknowledged of two licensed physicians, each certifYing that the physician has examined the person and has concluded that, by reason of accident, mental deterioration, or other cause, such person has become incapacitated and can no longer act rationally and prudently in his or her own financial best interest; or 3. Evidence which such Trustee or Beneficiary deems to be credible and currently applicable that a person has disappeared, is unaccountably absent, or is being detained under duress, and that he or she is unable to effectively and prudently look after his or her own best interests, then in that event and under those drcumstances: a. Such person is deemed to have become incapacitated, as that term is used in this Trust agreement; and b. Such incapacity is deemed to continue until such court order, certificates, and I or circumstances are inapplicable or have been revoked. A physician's certificate to the effect that the person is no longer incapacitated shall revoke a certificate declaring the person incapacitated. The certificate which revokes the earlier certificate may be executed by either the original certifying physician or by two other licensed, board certified physicians. No Trustee shall be under any duty to institute any inquiry into a person's possible incapacity. The reasonable expense of any such inquiry shall be paid from the Trust Assets. Section 2.04 - Principal Invasion During the life of the Settlor, should the net income of assets contained in this Trust at the time of the Settlor's death be insufficient to provide for the care, maintenance, or support of the Settlor as herein defined, the Trustee may, in the Trustee's sole and absolute discretion, pay to or apply for the benefit of the Settlor or any of their dependents, such amounts from the principal of the Trust Estate as the Trustee deems necessary or advisable for the care, maintenance, or support of the Settlor. REVOCABLE LIVING TRUST AGREEMENT Page 4 Section 2.05 - Residence If the Settlor's residence property is a part of the Trust, the Settlor shal! have possession of and full management of the residence and shall have the right to occupy it free of rent. Any expenses arising from the maintenance of the property and from al! taxes, liens, assessments, and insurance premiums, are to be paid from the Trust to the extent that assets are available for payment. It is the intent of the Grantor to retain all homestead rights available to him or her under the applicable state law. ARTICLE THREE Administration/Distribution of Trust Section 3.01 - Death On the death of the Settlor, the Trustee shal! distribute the principal of the Trust and any accrued or undistributed income from the principal of the Trust in such a manner and to such persons, including the Estate of the Credi tors, as directed in this Trust Agreement. Section 3.02 - Payment of Death Expenses On the death of the Settlor, the Trustee shal! pay from the Trust Estate constituting the Settlor's last illness, funeral, burial and any inheritance, estate, or death taxes that may be due by reason of the Settlor's death, unless the Trustee in his or her absolute discretion determines that other adequate provisions have been made for the payment of such expenses and taxes. Section 3.03 - Trust Income and Principal Distribution I. The Trustee shal! apply and distribute the net income and principal of each of the shares of the resulting Trust Estate, after giving effect to the section of this Trust Agreement entitled "Special Directives" to the following Beneficiaries in the indicated fractional shares: Christine E. Reed Richard J. Pasco, Jr. Elizabeth N. Elmore 1/3 1/3 1/3 2. If any of the above Beneficiaries, or any other Beneficiary, is under the age of21 years when the distribution is to be made, the Trustee shall have authority to distribute the same, in whole or in part, to a custodian for the minor appointed under a Uniform Gifts or Transfers to Minors Act, or the Trustee may retain any such property and administer and distribute the same for the benefit of the minor, paying to or for the benefit of such minor so much of the income and principal of the retained property from time to time as the Trustee deems advisable for the health, education, support, and maintenance of the minor. When the person for whom the property is held attains the age of 21 years, the property shall thereupon be distributed to him or her free of trust unless otherwise stated in this Agreement. If the minor should die before attaining the age of majority, the property shall then be paid and distributed to the estate of the minor. 3. If all of the Settlor's Beneficiaries and their children should fail to survive the final distribution of the Trust Estate, all of the Trust Estate not disposed of as hereinabove provided shall be distributed as provided for in this Trust Agreement. REVOCABLE LIVING TRUST AGREEMENT Page 5 Section 3.04 - Principle of Representation If a Beneficiary of the Settlor should fail to survive to collect his or her share, that share shall pass to the surviving issue of that deceased Beneficiary per stirpes and with right of representation. ARTICLE FOUR Trustee Powers & Provisions Section 4.01 - Non-Income Producing Property During the life of the Settlor, the Trustee is authorized to retain in the Trust, for so long as the Trustee may deem advisable, any property received by the Trustee from the Settlor, whether or not such property is of the character permitted by law for the investment of Trust funds. Section 4.02 - Trustee Powers The Trustee shall have all powers conferred upon a Trustee by law for the orderly administration of the Trust Estate. If any property is distributed outright under the provision of this Trust Agreement to a person who is a minor, distribution may be made under the Pennsylvania Uniform Transfer to Minors Act ("P AUTMA"). The Trustee is further authorized tQ sign, deliver, and/or receive any documents necessary to carry out the powers contained within this Section. The Trustee of any trust created under this Trust Agreement (including any substitute or successor Trustee) will have and be subject to all of the powers, duties, and reSponsibilities granted or imposed by the Pennsylvania Consolidated Statutes (20 Pa. e.S. Section 10 I et seq.) as such Statute may provide at the time of administration of the Trust, except to the extent that the same are inconsistent with the provisions of this Agreement. Section 4.03 - Specific Powers of Trustee In addition, the Trustee will have the following specific powers: I. Trust Estate: The Trustee may leave invested any property coming into its hands hereunder in any form ofinvestment even though the investment may not be of the character of investments permitted by law to trustees, without liability for loss or depreciation in value. The Trustee may sell, mortgage, exchange, or otherwise dispose of and reinvest property which may at any time be a part of the Trust Estate upon such terms and conditions as the Trustee may deem advisable. The Trustee may invest and reinvest the Trust Assets from time to time in any property, real, personal, or mixed, including without limitation, securities of domestic and foreign corporations and investment trusts or companies, bonds, debentures, preferred stocks, common stocks, mortgages, mortgage participation, and interests in common trust funds, all with complete discretion to convert realty into personalty or personalty into realty or otherwise change the character of the Trust Estate, even though such investment (by reason of its character, amount, proportion to the total Trust Estate, or otherwise) would not be considered appropriate for a fiduciary apart from this provision and even though such investment caused part or all of the total Trust Estate to be invested in investments of one type or of one business or company. 2. Holding Property: The Trustee may hold property in the Trustee's name, as trustee, or in the name of a nominee without disclosing the Trust. REVOCABLE LIVING TRUST AGREEMENT Page 6 3. Release of Power: If the Trustee deems it to be in the best interest of the Trust and its Beneficiaries, the Trustee, by written instrument signed by such Trustee, will have the power and authority to release, disclaim, or restrict the scope of any power or discretion granted in this Trust Agreement or implied by law. 4. Agents, Employees: The Trustee may employ one or more agents to perform any act of administration, whether or not discretionary, including attorneys, auditors, investment managers, or others, as the Trustee shall deem necessary or advisable. The Trustee may compensate agents and other employees and may delegate to them any and all discretions and powers. 5. Leases: The Trustee may lease any Trust Assets generally or for oil, gas, and mineral development, even though the lease term may extend beyond the term of the Trust of which the property is a part. The Trustee may enter into any covenants and agreements relating to the property so leased or concerning any improvements which may then or thereafter be erected on such property. 6. Common Funds: The Trustee may hold any of the Trust Assets in a common fund with property from other trust estates and may make investments jointly with any other trust, the property of which is included in the common fund. 7. Securities: With respect to securities help in the Trust Estate, the Trustee may exercise all the rights, powers, and privileges of an owner, including but not limited to, the power to vote, give proxies, and to pay assessments and other sums deemed by the Trustee necessary for the protection of the Trust Estate. In addition, the Trustee may participate in voting trusts, foreclosures, reorganizations, consolidations, mergers, and liquidations, and in connection therewith, to deposit securities with and transfer title to any protective or other committee under such terms as the Trustee may deem advisable. In addition, the Trustee may exercise or sell stock subscription or conversion rights and may accept and retain as an investment any securities or other property received through the exercise of any of the foregoing powers, regardless of any limitations elsewhere in this instrument relative to investments by the Trustee. In addition, The Trustee may Buy, sell exchange, assign, convey, settle and exercise commodities future contracts and call and put options on stocks and stock indices traded on a regulated options exchange and collect and receipt for all proceeds of any such transactions. Establish or continue option accounts for the principal with any securities of a futures broker. In general, exercise all powers with respect to commodity and option transactions that the principal could if present. 8. Purchases from Estate: The Trustee may purchase property of any kind from the Executor or Administrator of the Estates. 9. Lending: The Trustee may make loans, secured or unsecured, to the Executor or Administrator of the Estate, to any Beneficiary of the Trust, or to the Trustee. Further, the Trustee may use Trust Assets to guarantee obligations of any income Beneficiary of the Trust (unless such Beneficiary is serving as Trustee). 10. Distributions to or for Beneficiaries: The Trustee may make any distribution contemplated by this Trust Agreement (I) to the Beneficiary; (2) if the Beneficiary is under a legal disability or if the Trustee determines that the Beneficiary is unable to properly manage his or her affairs, to a person furnishing support, maintenance, or education for the Beneficiary or with whom the Beneficiary is residing for expenditures on the Beneficiary's behalf; or (3) if the Beneficiary is a minor, to a trustee of an existing trust established exclusively for the benefit of such minor, whether created by this Trust Agreement or otherwise, or to a custodian for the Beneficiary, as selected by the Trustee, under the Pennsylvania Uniform Transfer to Minors Act. Alternatively, REVOCABLE LIVING TRUST AGREEMENT Page 7 the Trustee may apply all or a part of the distribution for the Beneficiary's benefit. Any distribution under this paragraph will be a full discharge of the Trustee with respect thereto. On any partial or final distribution of the Trust Assets, the Trustee may apportion and allocate the assets of the Trust Estate in cash or in kind, or partly in cash and partly in kind, or in undivided interests in the manner deemed advisable at the discretion of the Trustee and to sell any property deemed necessary by the Trustee to make the distribution. The Trustee may distribute gifts of up to the maximum allowable per year per donee out of principal and/or interest. 11. Insurance: The Trustee may purchase new life insurance, pay the premiums on existing life insurance on the life of any Trust Beneficiary, purchase annuities (either commercial or private) from any corporation, trust, or individual, and may procure and pay the premiums on other insurance of the kinds, forms, and amounts deemed advisable by the Trustee to protect the Trustee and the Trust Estate. 12. Borrowing: The Trustee may borrow money from the Trust Estate and others. To secure the repayment thereof, the Trustee may mortgage, pledge, or otherwise encumber part or all of the Trust Assets, and in connection with the acquisition of any property, the Trustee may assume a liability or may acquire property subject to a liability. 13. Repairs: The Trustee may make ordinary and extraordinary repairs and alterations to buildings or other Trust Assets. 14. Reserves: The Trustee may establish such reserves out of income for taxes, assessments, repair, and maintenance as the Trustee considers appropriate. 15. Continuation of Business: The Trustee may continue any business or businesses in which the Trust has an interest at the time ofthe Settlor's death for so long as the Trustee may, in its sole discretion, consider necessary or desirable, whether or not the business is conducted by the Settlor at the time of hislher death individually, as a partnership, or as a corporation wholly owned or controlled by him, with fuU authority to sell, settle, and discontinue any of them when and upon such terms and conditions as the Trustee may, in its sole discretion, consider necessary or desirable. 16. Retain Property for Personal Use: The Trustee may retain a residence or other property for the personal use of a Beneficiary and to allow a Beneficiary to use or occupy the retained property free of rent and maintenance expenses. 17. Dealings with Third Parties: The Trustee may deal with any person or entity regardless of relationship or identity of any Trustee to or with that person or entity. The Trustee may hold or invest any part of or aU of the Trust Estate in common or undivided interests with that person or entity. 18. Partitions, Divisions, Distributions: The Trustee will have the power to make aU partitions, divisions, and distributions contemplated by this Trust Agreement. Any partitions, divisions, or other distributions may be made in cash, in kind, or partly in cash and partly in kind, in any manner that the Trustee deems appropriate (including composing shares differently). The Trustee may determine the value of any property, which valuation will be binding on aU Beneficiaries. No adjustments are required to compensate for any partitions, divisions, or distributions having unequal consequences to the Beneficiaries. 19. Claims, Controversies: The Trustee may maintain and defend any claim or controversy by or against the Trust without the joinder or consent of any Beneficiary. The Trustee may commence REVOCABLE LIVING TRUST AGREEMENT Page 8 or defend at the expense of the Trust any litigation with respect to the Trust or any property of the Trust Estate as the Trustee may deem advisable. The Trustee may employ, for reasonable compensation, such counsel as the Trustee shall deem advisable for that purpose. 20. Merger of Trusts: If at any time the Trustee of any trust created hereunder shall also be acting as trustee of any other trust created by trust instrument or by trust declaration for the benefit of the same beneficiary or beneficiaries and upon substantially the same terms and conditions, the Trustee is authorized and empowered, if in the Trustee's discretion such action is in the best interest of the Beneficiary or Beneficiaries, to transfer and merge all of the assets then held under such trust created pursuant to this Trust Agreement to and with such other trust and thereupon to terminate the trust created pursuant to this Trust Agreement. The Trustee is further authorized to accept the assets of any other trust which may be transferred to any trust created hereunder and to administer and distribute such assets and properties so transferred in accordance with the provisions of this Agreement. 2 I. Termination of Small Trust: Any corporate Trustee which is serving as the sole Trustee of any Trust or any Share thereof may at any time tenninate such Trust or Share if, in the Trustee's sole judgment, the continued management of such Trust or Share is no longer economical because of the small size of such Trust or Share and if such action will be deemed to be in the best interests of the Beneficiary or Beneficiaries. ill case of such termination, the Trustee will distribute forthwith the share of the Trust Estate so terminated to the income Beneficiary, per stirpes. Upon', such distribution, such Trust or Share will terminate and the Trustee will not be liable or responsible to any person or persons whomsoever for its action. The Trustee will not be liable for failing or refusing at any time to, terminate any Trust or a Share thereof as authorized by this paragraph. 22. Power to Detennine illcome and Principal: Dividends payable in stock of the issuing corporation, stock splits, and capital gains will be treated as principal. Except as herein otherwise specifically provided, the Trustee will have full power and authority to determine the manner in which expenses are to be borne and in which receipts are to be credited as between principal and income. The Trustee has the power to detennine what will constitute principal or income and , may withhold from income such reserves for depreciation or depletion as the Trustee may deem fair and equitable. In detennining such matters, the Trustee may give consideration to the provisions of the Pennsylvania Statutes (or its successor statutes) relating to such matters, but it will not be bound by such provisions. 23. Generation-Skipping Taxes and Payment: If the Trustee considers any distribution or termination of an interest or power hereunder as a distribution or termination subject to a generation-skipping tax, the Trustee is authorized: a. To augment any taxable distribution by an amount which the Trustee estimates to be sufficient to pay such tax and charge the same to the particular trust to which the tax related without adjustment of the relative interests of the Beneficiaries; b. To pay such tax, in the case of a taxable termination, from the particular trust to which the tax relates without adjustment of the relative interests of the Beneficiaries. If such tax is imposed in part by reason of the Trust Assets, the Trustee will pay only the portion of such tax attributable to the taxable termination hereunder taking into consideration deductions, exemptions, credits, and other factors which the Trustee deems advisable; and REVOCABLE LIVING TRUST AGREEMENT Page 9 c. To postpone final termination of any particular trust and to withhold any portion or all of the Trust Estate until the Trustee is satisfied that the Trustee no longer has any liability to pay any generation-skipping tax with reference to such trust or its terntination. Section 4.04 - Special Provision for S Corporation Stock Notwithstanding what is otherwise provided in this Trust Agreement, if at any time the Trust contains any stock of a corporation which elects or has elected treatment as an "s Corporation" as defined by Section 1361(a)(I) of the Internal Revenue Code (or any corresponding successor statute), such stock will be segregated from the other assets of such and treated as a separate trust. The Trustee will further divide the separate trust into shares for each Beneficiary and such shares will be distributed outright or held in trust as herein provided. In addition, all other provisions of this Trust Agreement will apply to each share held in trust (and constituting a separate trust) except that the Trustee will distribute all of the income from each separate trust to its Beneficiary in convenient installments at least annually. It is the Settlor's intent that each separate trust will be recognized as a "Qualified Subchapter S Trust" ("QSST") under Section 1361(d)(2) of the Internal Revenue Code (or any corresponding successor statute). Notwithstanding any provisions of this Trust Agreement to the contrary, the Trustee's powers and discretions with respect to the administration of each separate trust (including methods of accounting, bookkeeping, making distributions, and characterizing receipts and expenses) will not be exercised or exercisable except in a manner consistent with allowing each separate trust to be treated as a QSST as above described. ARTICLE FIVE Trustee Powers with a Probate Estate Section 5.01 - Coordination with Settlor's Probate Estate 1. At any time during the continuance of this Trust, including subsequent to the death of Settlor, the Trustees may, in their sole and uncontrolled discretion, distribute to the deceased Settlor's Probate Estate cash and/or other property as a Beneficiary of the Trust. 2. All other provisions to the contrary notwithstanding, under no circumstances shall any restricted proceeds, as hereinafter defmed, be either directly or indirectly: (i) distributed to or for the benefit of the Settlor's Executors or the Settlor's Probate Estate; or (ii) used to pay any other obligations of the Settlor's Estate. The term "Restricted Proceeds" means: a. All qualified plans, individual retirement accounts, or similar benefits which are received or receivable by any Trustee hereunder, and which are paid solely to a Beneficiary other than the Executor of the Settlor's Gross Estate for Federal Estate Tax purposes; and b. All proceeds of insurance on the Settlor's life which, if paid to a Beneficiary other than the Settlor's Estate, would be exempt from inheritance or similar death taxes under applicable state death laws. Section 5.02 - Direction to Minimize Taxes In the administration of the Trust hereunder, its Fiduciaries shall exercise all available tax related elections, options, and choices in such a manner as they, in their sole but reasonable judgment (where appropriate, receiving advice of tax counsel), believe will achieve the overall minimum in total combined present and reasonably anticipated future administrative expenses and taxes of all kinds. This applies not only to said Trust, but also to its Beneficiaries, to the other Trusts hereunder and their Beneficiaries, and to the Settlor's Probate Estate. REVOCABLE LIVING TRUST AGREEMENT Page 10 Without limitation on the generality of the foregoing direction (which shall to that extent supercede the usual fiduciary duty of impartiality), such Fiduciaries shall not be accountable to any person interested in this Trust or to Settlor's Estate for the manner in which they shall carry out this direction to minimize overall taxes and expenses (including any decision they may make not to incur the expense of a detailed analysis of alternative choices). Even though their decisions in this regard may result in increased taxes or decreased distributions to the Trust, to the Estate, or to one or more Beneficiaries, the Fiduciaries shall not be obligated for compensation readjustments or reimbursements which arise by reason of the roarmer in which the Fiduciaries carry out this direction. Section 5.03 - Judgment and Discretion of Trustee In the absence of proof of bad faith, all questions of construction or interpretation of any trusts created by this Trust Agreement will be finally and conclusively determined solely by the Trustee, according to the Trustee's best judgment and without recourse to any court. Each determination by the Trustee is binding on the Beneficiaries and prospective Beneficiaries hereunder, both in being and unborn, as well as all other persons, firms, or corporations. The Trustee, when exercising any discretionary power relating to the distribution or accumulation of principal or income or to the termination of any trust, will be responsible only for lack of good faith in the exercise of such power. Each determination may be relied upon to the same extent as if it were a [mal and binding judicial determination. In the event of a conflict between the provisions of this Trust Agreement and those of the Pennsylvania Statutes; "the provisions of this Agreement will control. ARTICLE SIX Resolution of Conflict Section 6.01 - Resolution of Conflict Any controversy between the Trustee or Trustees and any other Trustee or Trustees, or between any other parties to this Trust, including Beneficiaries, involving the construction or application of any of the terms, provisions, or conditions of this Trust shall, on the written request of either or any disagreeing party served on the other or others, shall be submitted to arbitration. The parties to such arbitration shall each appoint one person to hear and determine the dispute and, if they are unable to agree, then the two persons so chosen shall select a third impartial arbitrator whose decision shall be final and conclusive upon both parties. The cost of arbitration shall be borne by the losing party or in such proportion as the arbitrator(s) shall decide. Such arbitration shall comply with the commercial arbitration rules of the American Arbitration Association, 140 West 51st Street, New York, NY 10200. Section 6.02 - Incontestability The beneficial provisions of this Trust Agreement are intended to be in lieu of any other rights, claims, or interests of whatsoever nature, whether statutory or otherwise, except bona fide pre-death debts, which any Beneficiary hereunder may have in Settlor's Estate or in the properties in trust hereunder. Accordingly, if any Beneficiary hereunder asserts any claim (except a legally enforceable debt), statutory election, or other right or interest against or in Settlor's Estate, or any properties of this Trust, other than pursuant to the express terms hereof, or directly or indirectly contests, disputes, or calls into question, before any court, the validity of this Trust Agreement, then: \. Such Beneficiary shall thereby absolutely forfeit any and all beneficial interests of whatsoever kind and nature which such Beneficiary or his or her heirs might otherwise have under this Trust Agreement and the interests of the other Beneficiaries hereunder shall thereupon be appropriately and proportionately increased; and REVOCABLE LIVING TRUST AGREEMENT Page 1 1 2. All of the provisions of this Trust Agreement, to the extent that they confer any benefits, powers, or rights whatsoever upon such claiming, electing, or contesting Beneficiary, shall thereupon become absolutely void; and 3. Such claiming, electing, or contesting Beneficiary, if then acting as a trustee hereunder, shall automatically cease to be a Trustee and shall thereafter be ineligible either to select, remove, or become a Trustee hereunder. Section 6.03 - Trust Contests and Specific Omissions If any beneficiary under this trust, singly or in conjunction with any other person or persons, directly or indirectly: 1. contests in any court the validity of this trust or, in any manner, attacks or seeks to impair or invalidate any of its provisions; 2. contests in any court the validity of the Settlor's Trust or, in any manner, attacks or seeks to impair or invalidate any of its provisions; 3. seeks to obtain an adjudication in any proceeding in any court that this trust or any of its provisions or that Settlor's Trust or any of jts provisions is void; 4. claims entitlement by way of any written or oral contract to any portion of the Settlor's estate, whether in probate or under this instrument; 5. unsuccessfully challenges the appointment of any person named as Trustee or successor Trustee of this Trust, 6. objects in any manner to any action taken or proposed to be taken in good faith by the Trustee Settlor's Trust; 7. objects to any construction or interpretation of this Trust, or any provision of it, that is adopted or is proposed in good faith by the Trustee; 8. unsuccessfully seeks the removal of any person acting as Trustee of any Trust created under this instrument; 9. files any creditor's claim in Settlor's estate (without regard to its validity), whether the claim arose before or after the date of this instrument, but excepting claims for cash advanced or paid for expenses of the Settlor's last illness or funeral paid by said claimant; 10. attacks or seeks to invalidate any designation of beneficiaries for any life insurance policy on Settlor's life; II. attacks or seeks to invalidate any designation of beneficiaries for any pension or IRA or other form of qualified or non-qualified asset or deferred compensation account, agreement or arrangement; 12. attacks or seeks to invalidate any trust which Settlor has created or may create during Settlor's lifetime, or any provision thereof, as well as any gift which Settlor has made or will made during Settlor's lifetime, whether before or after the date of this instrument; 13. attacks or seeks to invalidate any transaction by which Settlor sold any assets (whether to a relative of Settlor's or otherwise); or 14. refuses a request of Settlor's Trustee, Executor or other fiduciary to assist in the defense against any of the foregoing acts or proceedings, then that person's right to take any interest given to him or her by this trust shall be determined as it would have been determined if the person had predeceased the execution of this trust instrument without issue surviving. REVOCABLE LIVING TRUST AGREEMENT Page I2 The provisions of the foregoing paragraph shall not apply to any disclaimer by any person of any benefit under this trust or under the Settlor's Trust. In the event that any provision of this Article is held to be invalid, void or illegal, the same shall be deemed severable from the remainder of the provisions of this Article and shall in no way affect, impair or invalidate any other provision in this Article; and if such provision shall be deemed invalid due to its scope or breadth, such provision shall be deemed to exist to the extent of the scope or breadth permitted by law. Section 6.04 - Benefits Confidential The Settlor further declare that it is hislher desire and intent that the provisions of this Trust Agreement are to remain confidential as to all parties. The Settlor directs that only the information concerning the benefits paid to any particular Beneficiary shall be revealed to such individual and that no individual shall have a right to information concerning the benefits being paid to any other Beneficiary. ARTICLE SEVEN General Provisions Section 7.01- Distribution in Kind or in Cash On any division of the assets of the Trust Estate in to shares or partial shares; and on any final or partial distribution of the assets of the Trust Estate, the Trustee, at his or her absolute discretion, may divide and distribute undivided interests of such assets on a pro rata or non-pro rata basis, or may sell any part of or all of such assets and may make divisions or distributions in cash or partly in cash and partly in kind. The decision of the Trustee, either prior to or on any division or distribution of such assets, as to what constitutes a proper division of such assets of the Trust Estate, shall be binding on all persons interested in any trust provided for in this Trust Agreement. Section 7.02 - Spendthrift Provision Neither the principal nor the income of the trust shall be liable for the debts of a Beneficiary. Except as otherwise expressly provided in this Agreement, no Beneficiary of any trust shall have any right, power, or authority to alienate, encumber, or hypothecate his or her interest in the principal or income of this Trust in any manner, nor shall the interests of any Beneficiary be subject to the claims of his or her creditors or liable to attachment, execution, or other process of law. The limitations herein shall not restrict the exercise of any power of appointment or the right to disclaim. Section 7.03 - Definition of Children The terms "Child" and "Children" as used in this Agreement mean the lawful issue of a Settlor. This definition also includes children legally adopted by a Settlor. Section 7.04 - Handicapped Beneficiaries Any Beneficiary who is determined by a court of competent jurisdiction to be incompetent shall not have any discretionary rights of a Beneficiary with respect to this Trust, or to their share or portion thereof. The Trustee shall hold and maintain such incompetent Beneficiary's share of the Trust estate and shall, in the Trustee's sole discretion, provide for such Beneficiary as that Trustee would provide for a minor. Notwithstanding the foregoing, any Beneficiary who is diagnosed for the purposes of governmental benefits (as hereinafter delineated) as being not competent or as being disabled, and who shall be entitled to governmental support and benefits by reason of such incompetency or disability, shall cease to be a REVOCABLE LIVING TRUST AGREEMENT Page 13 Beneficiary of this Trust. Likewise, they shall cease to be a Beneficiary if any share or portion of the principal or income of the Trust shall become subject to the claims of any governmental agency for costs or benefits, fees, or charges. The portion ofthe Trust Estate which, absent the provisions of this section, would have been the share of such incompetent or handicapped person shall be retained in trust for as long as that individual lives. The Trustee, at his or her sole discretion, shan utilize such funds for the maintenance of that individual. If such individual recovers from his or her incompetency or disability and is no longer eligible for aid from any governmental agency, including costs or benefits, fees, or charges, such individual shan be reinstated as a Beneficiary after 60 days from such recovery and the allocation and distribution provisions as stated herein shall apply to that portion of the Trust Estate which is held by the Trustee subject to the foregoing provisions of this section. If said handicapped Beneficiary is no longer living and shall leave children then living, the deceased child's share shan pass to those children per stirpes. If there are no children, the share shan be allocated proportionately among the remaining Beneficiaries. ARTICLE EIGHT Successor Trustee Appointments Section 8.01 - Trustees An Trustees are to serve without bond. The fonowing win act as Trustees of any Trusts created by this Trust Agreement, in the following order of succession: First: The undersigned, Richard J. Pasco, Sr. Second: At the death or incapacity of Richard J. Pasco, Sr., Christine E. Reed shall serve . as First Successor Trustee. Third: Elizabeth N. Elmore shall serve as Second Successor Trustee. Fourth: Richard J. Pasco, Jr. shan serve as Third Successor Trustee. Last: A Trustee chosen by the majority of Beneficiaries, with a parent or legal guardian voting for minor Beneficiaries; provided, however, that the children of any deceased Beneficiary shan conectively have only one vote. Section 8.02 - Allocation and Distribution of The Trust Assets The Trustees shan allocate, hold, administer, and distribute the Trust Assets as hereinafter provided: 1. Upon the death of the Settlor, the Trustee shan make any separate distributions the Trust Assets in the manner hereinafter prescribed. Section 8.03 - Personal Property Distribution Notwithstanding any provision of this Trust Agreement to the contrary, the Trustee must abide by any memorandum by the Settlor, particularly that contained in the section entitled "Special Directives" incorporated into this Trust Instrument, directing the disposition of Trust Assets of every kind including, but not limited to, furniture, appliances, furnishings, pictures, china, silverware, glass, books, jewelry, wearing apparel, and all policies of fire, burglary, property damage, and other insurance on or in REVOCABLE LIVING TRUST AGREEMENT Page 14 connection with the use of property. Otherwise, any personal and household effects of the Settlor shall be distributed with the remaining assets of the Trust Estate. Section 8.04 - Liability of Trustee The Trustee will not be responsible or liable for any loss which may occur by reason of depreciation in value of the properties at any time belonging to the Trust Estate nor for any other loss which may occur, except that the Trustee will be liable for each Trustee's own negligence, neglect, default, or willful wrong. The Trustee will not be liable or responsible for the acts, omissions, or defaults of any agent or other person to whom duties may be properly delegated hereunder (except officers or regular employees of the Trustee) if such agent or person was appointed with due care. The Trustee may receive reimbursement from the Trust Estate for any liability, whether in contract or in tort, incurred in the administration of the Trust Estate in accordance with the provisions hereof, and the Trustee may contract in such form that such Trustee will be exempt from such personal liability and that such liability will be limited to the Trust Assets. Section 8.05 - Successor Trustees Any Successor Trustee shall have all the power, rights, discretion, and obligations conferred on a Trustee by this Trust Agreement. All rights, titles, and interest in the property of the Trust shall immediately vest in the successor Trustee at the time of appointment-: "The prior Trustee shall, without warranty, transfer to the Successor Trustee the existing Trust property. No Successor Trustee shall be under any duty to examine, verity, question, or audit the books, records, accounts, or transaction of any preceding Trustee; and no Successor Trustee shall be liable for any loss or expense from or occasioned by anything done or neglected to be done by any predecessor Trustee. A Successor Trustee shall be liable only for his or her own acts and defaults. ARTICLE NINE Rule Against Perpetuities Section 9.01 - Perpetuities Savings Clause Notwithstanding any other provision of this instrument, the Trusts created hereunder shall terminate not later than twenty-one (2 I) years after the death of the last survivor of the Settlor and any other Beneficiary or Beneficiaries named or defined in this Trust living on the date of the death of the Settlor. The Trustee shall distribute remaining Trust principal and all accrued or undistributed net income hereunder to the Beneficiary or Beneficiaries. If there is more than one Beneficiary, the distribution shall be in the proportion in which they are Beneficiaries; if no proportion is designated, then the distribution shall be in equal shares to such Beneficiaries. ARTICLE TEN General Provisions Section 10.01 - Governing Law It is not intended that the laws of only one particular state shall necessarily govern all questions pertaining to all of the Trust hereunder. I. The validity of the Trust hereunder, as well as the validity of the particular provisions of that Trust, shall be governed by the laws of the state which has sufficient connection with the Trust to support such validity. REVOCABLE LIVING TRUST AGREEMENT Page 15 2. The meaning and effect of the terms of this Trust Agreement shall be governed by the laws of the Commonwealth of Pennsylvania. 3. The administration of this Trust shall be governed by the laws of the state in which the principle office of the Trustee then having custody of the Trust's principal assets and records is located. The foregoing shall apply even though the situs of some Trust Assets or the home of the Settlor, a Trustee, or a Beneficiary may at some time or times be elsewhere. Section 10:02 - Invalidity of Any Provision If a court finds that any provision of this Trust Agreement is void, invalid, or unenforceable, the remaining provisions of this Agreement will continue to be fully effective. Section 10.03 - Headings The use of headings in connection with the various articles and sections of this Trust Agreement is solely for convenience and the headings are to be given no meaning or significance whatsoever in construing the terms and provisions of this Agreement. Section 10.04 - Internal Revenue Code Terminoiogy As used herein, the words "Gross Estate," "Adjusted Gross Estate," "Taxable Estate," "Unified Credit," "State Death Tax Credit," "Maximum Marital Deduction," "Marital Deduction," and any other word or words which from the context in which it or they are used refer to the Internal Revenue Code shall be assigned the same meaning as such words have for the purposes of applying the Internal Revenue Code to a deceased Settlor's Estate. Reference to sections of the Internal Revenue Code and to the Internal Revenue Code shall refer to the Internal Revenue Code amended to the date of such Settlor's death. REVOCABLE LIVING TRUST AGREEMENT Page 16 SPECIAL DIRECTIVES OF RICHARD J. PASCO, SR. I, RICHARD J. PASCO, SR., a resident of the County of CUMBERLAND, Commonwealth of Pennsylvania, being of lawful age, and of sound and disposing mind and memory, and not acting under duress, fraud, or undue influence, hereby make, publish and declare this to be my Special Directive, and I incorporate THE RICHARD J. PASCO, SR. REVOCABLE LIVING TRUST AGREEMENT. FIRST The natural objects of my affection are: My Children - Christine E. Reed Richard J. Pasco, Jr. Elizabeth N. Elmore SECOND I direct that all estate and inheritance taxes payable as a result of my death, not limited to taxes assessed on property, shall be paid out of the residue of my Estate, and shall not be deducted or collected from any League, Devisee, or Beneficiary hereunder. THIRD In the event any of my named Beneficiaries should predecease me, all of that person's share of the Trust Estate is to be divided equally among the remaining primary beneficiaries. FOURTH In the event all of my named beneficiaries predecease me, all of the trust estate is to be distributed to my heirs at law. FIFTH I direct that all outstanding debts and/or loans owed by any beneficiary shall be forgiven and deemed as having not existed. SIXTH I direct that, before any distribution of the assets of the Trust Estate to the named Beneficiaries, certain specific distributions, if any, shall be made from the assets as set forth on the list attached hereto and marked "Exhibit A." REVOCABLE LIVING TRUST AGREEMENT Page 1 7 DATED to be effective this /6!! day o,-JI; SETTLOR: .;?:.(k7 j . (/~-JF2 ~ RIC' ARD J. P ,SR. ACCEPTED BY TRUSTEE: / /.----' 'J " /?d~....p7 a~ >4 RICHARD J. PA , SR. COMMONWEALTH OF PENNSYL V ANlA COUNTY OF CUMBERLAND This instrument was acknowledged before me on the date herein set forth by RICHARD J. PASCO, SR. as Settlor and Trustee to certify which witness my hand and seal of office. Public, Commonwealth of Pennsylvania NOTARIAL SEAL JEROME 1 lEWIS, NOTARY PUBLIC TREOYFFRIN TWP.. CHESTER COUNTY MY COMMISSION EXPIRES SEPT. 25 2006 REVOCABLE LIVING TRUST AGREEMENT Page 18 THE RICHARD J. PASCO, SR. REVOCABLE LIVING TRUST AGREEMENT Declaration oflntent The undersigned hereby declares that, as Trustee of THE RICHARD J. PASCO, SR. REVOCABLE LIVlNG TRUST, he or she is acquiring and will hold in the name RICHARD J. PASCO, SR., but without further reference to hislher fiduciary capacity, all items listed on the attached schedule(s) hereto and incorporated herein as amended, from time to time, as well as household furnishings, automobiles, jewelry, bank accounts, securities, bonds, clothing and other personal property of any kind in hislher name and henceforth such assets shall and will belong to said Trust and not to him or her individually; and he or she further declares that, except to the extent of interest provided to him or her under the terms and provisions of said Trust, he or she has no personal interest in any of the above itemized personal properties, it being intended and this Declaration constitutes an affirmation of Trust ownership and an assignment to this Trust and shall be binding on hislher heirs, administrators, executors and assigns. ~~~ W>d=igo<d b".=",'" <hi. i.._" "" ~/~ ~ '" d~ ~~ RICH J. PA ,SR. Settlorffrustee Ii /~./ day of COMMONWEALTH OF PENNSYL V ANlA COUNTY OF CUMBERLAND BEFORE ME, the undersigned authority, on this day personally RICHARD J. PASCO, SR., known to me to be the person whose name is subscribed to the foregoing instrument, and acknowledged to me that he or she executed the same for the purposes and consideration therein expressed and in the capacity therein stated. SUBSCRIBED AND SWORN this I"A .3 '-' NOTARIAL SEAL JEROME T LEWIS. NOTARY puaL~~ lREOYffRINOTWN !:"P~RHi~~\~~Of5 2006 MY COMMISSI <^ . SPECIAL INSTRUCTIONS FOR PREPARING AND ATTACmNG AN "EXIDBIT A" TO YOUR REVOCABLE LIVING TRUST AGREEMENT If you have special instructions for bequests of property that were not included in the original trust planning documents, it is important that they be prepared correctly in order to accomplish your wishes. "Exhibit A" is not an amendment; it is a part of your original trust document. 1. The page(s) entitled "SPECIAL DIRECTNES OF RICHARD J. PASCO, SR." found near the end of the trust document entitled TIIE RICHARD J. PASCO, SR. REVOCABLE LNING TRUST AGREEMENT needs to have a paragraph that basically says the following: I direct that my trust estate (or personal property or whatever the items in question are) be distributed according to the list attached hereto and marked "EXHmIT A". 2. . Make as many copies of your blank "EXHmIT A" as it takes to distribute your personal items, listing the individual property, the beneficiary of the property, and, if applicable, the dollar or percentage amount of trust property you wish to bequeath. 3. When you finish, number and initial each page, and sign the last page. Be sure to sign your signature and initials in front of your witnesses and a notary public. Date your "Exhibit A" the same date you signed your original trust agreement. (All gift pages must be entitled "EXHmIT A." All pages must be numbered. Each page must have a place at the bottom for your initials; the last page must have a line for your full signature. Your signature must have two witnesses and a notary.) 4. Attach the original signed and witnessed copy to your original REVOCABLE LNING TRUST AGREEMENT. Put a copy of your "EXHmIT A" with any trust copies you have stored, i.e., safe deposit box. 5. See attached sample for further help. If you have any questions, please call the law finn. LOOK FOR YOUR PERSONALIZED "EXHmIT A" PAGES BEHIND THE RICHARD J. PASCO, SR. REVOCABLE LIVING TRUST AGREEMENT. SAMPLE ONLY "EXHIBIT A" ADDITIONAL SPECIAL DIRECTIVES OF JOHN S. DOE, TRUSTEE AND SETTLOR OF THE JOHN S DOE REVOCABLE LIVING TRUST I direct that JAMES DOE get my railroad pocket watch. I direct that JANE DOE get the money in the FIRST NATIONAL BANK of Altuna, Texas, Account #111-111-111. I direct that JAMES DOE and JANE DOE each receive a Yz ownership in the house at 23 Lexington Avenue, Philadelphia, Pennsylvania. I direct that my railroad stock be divided equally among the children of JAMES DOE. I direct that my telephone stock be divided equally among the children of JANE DOE. I direct that each of my grandchildren receive $5,000 from my trust estate. It is my intent that this money be used for their college education. I direct that my car go to my granddaughter, MELISSA DOE, and my truck go to my grandson, JAMES DOE, JR. "EXHIBIT A" ADDITIONAL SPECIAL DIRECTIVES OF JOHN S. DOE Page of "EXIllBIT A" ADDITIONAL SPECIAL DIRECTIVES OF RICHARD J. PASCO, SR. TRUSTEE AND SETTLOR OF THE RICHARD J. PASCO, SR. REVOCABLE LIVING TRUST "EXIllBIT A" ADDITIONAL SPECIAL DIRECTIVES OF RICHARD J. PASCO, SR. Page of "EXHIBIT A" ADDITIONAL SPECIAL DIRECTIVES OF RICHARD J. PASCO, SR. TRUSTEE AND SETTLOR OF THE RICHARD J. PASCO, SR. REVOCABLE LIVING TRUST "EXHIBIT An ADDITIONAL SPECIAL DIRECTIVES OF RICHARD J. PASCO, SR. Page of "EXHIBIT A" ADDITIONAL SPECIAL DIRECTIVES OF RICHARD J. PASCO, SR. TRUSTEE AND SETTLOR OF THE RICHARD J. PASCO, SR. REVOCABLE LIVING TRUST "EXHIBIT A" ADDITIONAL SPECIAL DIRECTIVES OF RICHARD J. PASCO, SR. Page of "EXHIBIT AU ADDITIONAL SPECIAL DIRECTIVES OF RICHARD J. PASCO, SR. TRUSTEE AND SETTLOR OF THE RICHARD J. PASCO, SR. REVOCABLE LIVING TRUST "EXIllBIT A" ADDITIONAL SPECIAL DIRECTIVES OF RICHARD J. PASCO, SR. Page of The foregoing instrument consists of signature of Witnesses, and acknowledgment of officer. the preceding pages. , typewritten/handwritten pages including the I have signed my name at the bottom of each of DATED this day of RICHARD J. PASCO, SR. Witness Address Witness Address COMMONWEALTH OF PENNSYL VANIA COUNTY OF CUMBERLAND This instrument was acknowledged before me on the day of , by RICHARD J. PASCO, SR. as Settlor and Trustee to certify which witness my hand and seal of office. Notary Public, Commonwealth of Pennsylvania REVOCABLE LIVING TRUST AGREEMENT - .., A. TYPE OF LOAN: U,S. DEPARTMENT OF HOUSING & URBAN DEVELOPMENT 1DFHA 2.0FmHA :J.~CONV. UNINS. 4.0VA 5.1 ICONV. INS. 6 ~I~~ NUMBER: I 7. LOAN NUMBER: SETTLEMENT STATEMENT 47 8. MORTGAGE INS CASE NUMBER: C. NOTE: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown. Items marked "[POCr were paid outside the closing; they are shown here for informational purposes and are not included in the totals. 1.Q ".. {4-SOJARDINE.?FDI....50J28) D. NAME AND ADDRESS OF BORROWER: E. NAME AND ADDRESS OF SELLER: F. NAME AND ADDRESS OF LENDER: Dawn Jardine ChristineEReedTrusteeofThe American Home Mortgage 687 Barnstable Road Revocable TrustofRichardJPasco 5 East High Street Carlisle, PA 17013 691 Barnstable Road Carlisle, PA 17013 Canisle, PA 17013 G. PROPERTY LOCATION: H. SETTLEMENT AGENT: i. SETTLEMENT DATE: 691 Barnstable Road Godfrey & Associates, P .C. Canisle, PA 17013 November 5. 2004 Cumber1and County, Pennsylvania PLACE OF SETTLEMENT 17 W. South Street Canisle, PA 17013 J. SUMMARY OF BORROWER'S TRANSACTION K. SUMMARY OF ELLER'S TRANSACTI N 101. Contract Sales Price 105,000.00 401. Contract Sales Price -=- 105,000.00 102. Personal Pronert\l 402. P~rsonal Property I 103, Settlement Charnes to BorroweifUne 1400) , 5,103.77 403. , 104. i 404. I. 105. 405. i n r m rm m n rf I vn 106. County Taxes 11/06/04 to 01/01105 i 36.03 406. Countv Taxes 11/06/04 to 01/01/05 i 36.03 107. School Taxes 11/06/04 to 07/01/05 724.85 407. School Taxes 11/06/04 to 07/01/05 , 724.85 108. Assessments to ! 408. Assessments to , 109. I 409. : 110. I 410. 111. i 411. I , 112. 412. ! 120. GROSS AMOUNT DUE FROM BORROWER 110,864.65 .420. GROSS AMOUNT DUE TO SELLER i 105,760.88 200, AMOUNTS PAID BY OR IN BEHALF OF BORROWER: 500, REDUCTIONS IN AMOUNT DUE TO SELLER: 201. Deoosit or earnest monev 100.00 501. Excess Deoosit (See InstructionsY- r 202. Princioal Amount of New Loanfs) 105,000.00 502. Settlement Charaes to Seller lLine 140m T 4,316.00 203. Existina loanls\ taken subiect to , 503. Existina loan(s taken subject to I I 204. ; 504. Payoff of first Mortgage to National City Mortgage I 57,118.94 , 205. I 505. Pavoff of second Mortoaae 206. 506. 207. I 507. (Denosit disb. as oraceeds) I 208. , 508. I 209. I 509. ! flstments or terns n al e er ustments For Items Un 81 e er 210. County Taxes to 510. CauntvTaxes to , 211. School Taxes to I 511. School Taxes to 212. Assessments to 512. Assessments to i 213. 513. 214. , 514. I 215. , 515. I , 216. I 516. I I 217. 517. I 218. , 518. I 219. . 519. I 220. TOTAL PA/D BY/FOR BORROWER , 105,100.00 520. TOTAL REDUCTION AMOUNT DUE SELLER I 61,434.94 300. CASH AT SETTLEMENT fROM/TO BORROWER: 600, CASH AT SETTLEMENT TO/FROM SELLER: 301. Gross Amount Due From BorrowerlLine 120) 110,864.65 601. Gross Amount Due To Seller (Line 420) I 105,760.88 302. Less Amount Paid By/For Borrower (line 220) i( 105,100.00 602. Less Reductions Due Seller (Une 520) i( 61,434.94 303. CASH ( X FROM)/ TO) BORROWER ! 5,764.65 603. CASH ( X TO) ( FROM) SELLER I 44,325.94 OMS NO 2502 0265 --=-- The undersigned hereby acknowledge receipt of a completed copy of pages 1&2 of thiS statement & any attachments referred to herein. Borrower Seller Dawn Jardine Christine E. Reed. Trustee of the Re'locable Trust of Richard J. Pasco, Sr., P!lOe2 L. SETTLEMENT CHARGES 700. TOTAL COMMISSION Based on Prlc . (ci) 0/. PAID FROM PAID FROM Division of Commission (Jine 7001 as FolJows: BORROWER'S SELLER'S 701. $ to FUNDS AT FUNDS AT 702. $ to SETTLEMENT SETTLEMENT 703. Commission Paid at Settlement 704. to 800. tTEMS PAYABL E IN "ONNECTI N WITH L AN 801. Loan OriQination Fee 1.0000 % to American Home Mortqaoe 1,050.00 802. Loan Discount % to 803. Appraisal Fee to American Home Mortgage 275.00 804. Credit Report to American Home Mortgage 7.75 805. DU/LP Fee to American Home Mortgage 21.70 806. FundinalReview Fee to American Home Mortoaoe 430.00 807. Tax Service to American Home Mortgage 74.00 808. Flood Hazard Fee to American Home Mortgage 15.00 809. I 810. 811. 9no. ITEMS REoUIREn BY I ENDER BE PAl N ADVANCE 901. Interest From 11/05/04 to 12/01/04 @ $ /day ( 26 days %) 436.04 902. Mortaaae Insurance Premium for months to 903. Hazard Insurance Premium for 1.0 vears to Erie Insurance Group $385.00 POC 904. 905. 1000. RESERVES DEPO ITED WITH LEND 1001. Hazard Insurance 3.000 monthss $ 32.08 oer months 96.24 1002. Mort aae Insurance monthss $ oer months 1003. Countv Taxes . 10.000 monthss $ 16.70 er months 167.00 1004. School Taxes 6.000 monthss $ 94.93 er months 569.58 1005. Assessments monthss @ $ per months 1006. monthss Ci) $ per months 1007. Citv Taxes 11.000 monthss 1il $ 1.71 oer months 18.81 1008. Aooreaaate Adiustment monthss 1il $ aer months -364.10 110 . TITLE HARGES 1101. SetUement or Closino Fee to 1102. Abstract or Title Search ta . 1103. Title Examination ta 1104. Title Insurance Binder ta 1105. Document Preoaration ta Gadfrev & Associates, P.C. 50.00 1106. Natarv Fees ta Godfrev & Associates, P.C. 6.00 1107. Attorney's Fees to GOdfrey & Associates, P.C. 250.00 (includes above item numbers: ) 1108. Title Insurance ta First American Title Insurance Comnanv 883.75 fincludes above item numbers: ) 1109. Lender's Coverage $ 105,000.00 1110. Owner's Coverage $ 105,000.00 1111. Endarsements (100,300, 8.1) ta Godfrey & Associates, P.C. 150.00 1112. Closing Protection Letter ta First American Title Insurance Company 35.00 1113. 1200, GOVERNMENT RE ORDING ANn TRANSF~" "HARGES 1201. Recording Fees: Deed $ 38.50; Mortgage $ 72.50; Releases $ 111.00 1202. Citv/Caunlv Tax/Stamos: Deed . Mortoaae 1,050.00 1203. State Tax/Stamas: Deed 1,050.00; Martaaoe 1,050.00 1204. 1205. 1300. AnDlTlnNAL S~TTI ~MENT CHAR ES 1301. Survey to 1302. Pest Insoection ta 1303. Overniaht Mail Fees ta Commonwealth Realtv Settlement Services, Inc. Pka/Pavoff 1 16.00 16.00 1304. Wire In Fee ta Godfrev & Associates, P.C. 5.00 1305. Escrow For Inheritance Taxes to Godfrey & Associates, P.C. 3,000.00 1400. TOTAL SETTLEMENT CHARGES 'Enter on Lines 103, Section J and 502, Section K} 5,103.77 4,316.00 By signing page 1 of this statement, the signatories acknowledge receipt of a completed copy of page 2 of this two page statement. Certified to be a true copy. Godfrey & Associates, P .C. Settlement Agent THIS DEED Dated this /~ r! day of ,2003. BETWEEN Richard J. Pasco ( a Richard J. Pasco Sr.), whose address is 691 Barnstable Road, Carlisle, Cumberland County, Pennsylvania 17013 AND Richard J. Pasco Sr., Trustee 0 THE RICHARD J. PASCO, SR. REVOCABLE LIVING TRUST, u/d1t 7, II. ,2003, whose address is 691 Barnstable Road, Carlisle, Cumberland County, Pennsylvania 17013 FOR GOOD AND SUFFICIENT CONSIDERATION, the above-named Grantor does hereby GRANT and CONVEY unto the above-named Grantee, the real property below described, together with appurtenances. This deed is given for estate planning purposes, without valuable consideration in cash or property, to vest title to the property in a living trust established by Grantor: See legal description attached hereto as EXHIBIT "A". Grantor WARRANTS that Grantor has good right and authority to execute and deliver this deed to the Grantee, and that Grantor is the owner in fee simple of said premises, subject only to those encumbrances of record, if any, which were made, suffered, or assumed by the Grantor. When the context requires, singular nouns and pronouns include the plural. Page I of 3 Signed by: ---2...... ~---) / "'//~A '.......-. ~~ :7""/ ~ RICHARD J. P~O ~'~2 Q f\./ .~" ~S'9-_ aIkIa RIC ' J. PASCO, SR. STATE OF PENNSYLVANIA} COUNTY OF CUMBERLAND} ss. Onthi,,,,, :1. day 0' ~/ ,io"""",~J , before me, ,jPJ),tHS r ~~ , a Notary Public in and for said state, personally appear~ Richard J. Pasco (alkfa Richard J. Pasco Sr.), known to me to be the person who executed the within conveyance and acknowledged to me that he/she executed the same for the purposes therein stated. '- NOTARIAL SEAL JEROME 1 lEWIS, NOTARY PUBLIC TREDYFFRIN TWP., CHESTER COUNTY MY COMMISSION EXPIRES SEPT. 25 2006 I hereby certify the address of the within grantee is 691 Barnstable Road, Carlisle, County of Cumberland, State of Pennsylvania 17013. NOh\RIAl SEAL JEROME T.lEW!S. NGTA"Y PlI8LlC TREOYFFRIN TWP, CHES1ER COUNTY MY COMMISSION EXPIRES SEPf. 25 2006 Page 2 of 3 EXHmIT "A" Parcel No. ALL THAT CERTAIN lot of ground situate in West Pennsboro Township, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at a point in the center of the Public Road leading from the Governor Ritner Highway to the Greason Road at line ofland now or formerly of J. Dale Jardine; thence by the center of said Public road South 74-3/4 degrees West 100 feet to a point; thence through an iron pin 20 feet from the center line of said Public Road along land now or formerly of Clarence H. Line et ux, North 4-3/4 degrees West 250 feet to an iron pin; thence by same North 69-3/4 degrees East 200 feet to an iron pin on the line of/and now or formerly of J. Dale Jardine; thence by same and through an iron pin 25 feet from the center line of said Public road South 13-1/4 degrees West 300 feet to a point in the center line of said Public Road, the place of BEGINNING, CONTAINING 0.88 acres, more or less. THE above description is in accordance with a survey prepared by Earl D. Palm, Surveyor, dated March 23,1963. SUBJECT to the building and use restrictions of record in Deed recorded in Deed Book "U," Vol. 20, page 1155. UNDER AND SUBJECT to and together with the rights, privileges, agreements, rights-of- way, easements, conditions, exceptions, restrictions and reservations as exist by virtue of prior recorded instruments, deeds or conveyances. AND WHEREAS, Jeri A. Pasco departed this life on the day of AND WHEREAS, Jeri A. Pasco owned said property as joint tenant with the right of survivorship with Richard J. Pasco (aIkIa Richard 1. Pasco Sr.), Grantor, her interest, now destroyed, is vested in fee in said Grantor. For chain of title see Deed recorded in the aforesaid County in Deed Book K, Volume 33, page 735. This is a transfer from Grantor to himself and to his Revocable Living Trust and is not therefore subject to transfer tax. Page 3 of 3 6~ti;'~ ~1 ~:;,9. tJ -:; '" Q n ~.~ ~ l~ iQ '" ::; G \\);1'VC: 2~'5 ~ '~~,l~ ~~85 Q':::~Cl.. "j ..:.. ::: ~ o - ~ ::: '-tl (\) ::: C0 ~....... '1;"lJ -0 -0::::0. ~. ;L g~ CI) "'U \ cO 3= 32- 0-' ...0 '< c; s . 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'" 0 ~ t5 !<l 0 '" " ; ~ g .. 0 0 c ') ? .. 0- a -< "!) % \ \ -< ,., lR MEMBERS 1st FEDERAL CREDIT lJNION REGULAR SAVINGS ACCOUNT: Account Number/Suffix Date Account Established Principal Balance at Date of Death Accrued Interest to Date of Death Total Principal and Accrued Interest Name of Joint Owner 198326 -00 11/01/2000 $8,276.22 $4.36 $8,280.58 None CHECKING ACCOUNT: Account Number/Suffix Date Account Established I='rincipal Balance at Dale of Death Accrued Interest to Date of Death Total Principal and Accrued Interest Name of Joint Owner 1.98326 -11 08/02/2002 $5,171.84 $1.27 $5,173.11 None Mr~BERS 1~ FEDERAL CREDIT UNION AU;1t'a(d/~Z:' Denise A. Wolfe Insurance Servic ~ Supervisor February 1, 2005 Estate of: RICHARD J. PASCO, SR. Date of Death: 08/30/2004 Social Security Number: 167-24-0965 5000 Louise Drive. Po. Box 40 . Mechanicsburg, Pennsylvania 17055 . (717) 697-1161 . wwwmembers1st.org ~ n < ~ ~ Ii! 7' <) m 0 > " Z > 0 ZCD ~ii~ gm~ ;<!~~ <"0 > ~?.. 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"""..'.. ....~v () .~~ ;li }L ~ . $",~" .~. \"'~ 'I ~;~ ..:~~~. ~''!)~~~ 10-18-2005 PASCO 08-30-2004 21 04-0822 CUMBERLAND 101 APPEAL DATE: 12-17-2005 ( See reverse side under Objections) Amount Remitted I I MAKE CHECK PAYABLE AND REMIT PAYMENT TO: REGISTER OF WILLS CUMBERLAND CO COURT HOUSE CARLISLE, PA 17013 ~~!_~~9~~_!~!~_~!~~______~___~~!~!~_~Q~~~_~Q~!!Q~_EQ~_YQ~~_~~~Q~~~__~____________________ REV-1547 EX AFP (03-05) NOTICE OF INHERITANCE TAX APPRAISEMENT, ALLOWANCE OR DISALLOWANCE OF DEDUCTIONS AND ASSESSMENT OF TAX RICHARD J FILE NO. 21 04-0822 ACN 101 DATE 10-18-2005 TAX RETURN WAS: ( ) ACCEPTED AS FILED ( X) CHANGED SEE ATTACHED NOTICE ... COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE ~. ,,~~, ~r\ (\,-r,r.,- ,"\[ ::-::1.1;>, > .) \NOTiI,tE :Of' INHERITANCE TAX ";:APPRAISEMENT, ALLOWANCE OR DISALLOWANCE OF DEDUCTIONS AND ASSESSMENT OF TAX BUREAU OF INDIVIDUAL TAXES INHERITANCE TAX DIVISION PO BOX 280601 HARRISBURG PA 17128-0601 10 ~ t. ' ~'~~. ? 8. ;, .1-';. 1_ DATE ESTATE OF DATE OF DEATH FILE NUMBER COUNTY ACN , ...; ...." E RALPH GODFREY ESQ SALZMANN HUGHES 95 ALEXANDER SPRG RD CARLISLE PA 17013 ESTATE OF PASCO REV-1547 EX AFP (06-05) RICHARD J RESERVATION CONCERNING FUTURE INTEREST - SEE REVERSE APPRAISED VALUE OF RETURN BASED ON: ORIGINAL RETURN 1. Real Estate (Schedule A) 2. Stocks and Bonds (Schedule B) 3. Closely Held Stock/Partnership Interest (Schedule C) 4. Mortgages/Notes Receivable (Schedule D) 5. Cash/Bank Deposits/Misc. Personal Property (Schedule E) 6. Jointly Owned Property (Schedule F) 7. Transfers (Schedule G) 8. Total Assets (1) (2) (3) (4) (5) (6) (7) .00 1.469.00 .00 .00 13.454.00 .00 172,582.00 (8) APPROVED DEDUCTIONS AND EXEMPTIONS: 9. Funeral Expenses/Adm. Costs/Misc. Expenses (Schedule H) 10. Debts/Mortgage Liabilities/Liens (Schedule I) 11. Total Deductions 12. Net Value of Tax Return 13. Charitable/Governmental Bequests; Non-elected 9113 Trusts (Schedule J) 14. Net Value of Estate Subject to Tax (9) (10) 7,828.00 59.838.00 (11) (12) (13) (14) NOTE: I~ an assessment was issued previously, lines re~lect ~igures that include the total o~ ALL ASSESSMENT OF TAX: 15. Amount of Line 14 at Spousal rate (15) 16. Amount of Line 14 taxable at Lineal/Class A rate (16) 17. Amount of Line 14 at Sibling rate (17) 18. Amount of Line 14 taxable at Collateral/Class B rate (18) 19. Principal Tax Due TAX CREDITS: NOTE: To insure proper credit to your account, submit the upper portion of this form with your tax payment. 187,505.00 67.666 00 119,839.00 .00 119,839.00 14, 15 and/or 16, 17, 18 and 19 will returns assessed to date. .00 X 00 = 119,839.00 X 045= .00 X 12 = .00 X 15 = (19)= .00 5,392.76 .00 .00 5,392.76 ""'..",..r. l+J AMOUNT PAID DATE NUMBER INTEREST/PEN PAID (-) 11-30-2004 CD004680 157.89 3,000.00 08-08-2005 CD005665 .00 2,120.00 INTEREST IS CHARGED THROUGH 11-02-2005 TOTAL TAX CREDIT 5,277.89 AT THE RATES APPLICABLE AS OUTLINED ON THE BALANCE OF TAX DUE 114.87 REVERSE SIDE OF THIS FORM INTEREST AND PEN. 22.78 TOTAL DUE 137.65 · IF PAID AFTER DATE INDICATED, SEE REVERSE FOR CALCULATION OF ADDITIONAL INTEREST. ( IF TOTAL DUE IS LESS THAN $1, NO PAYMENT IS REQUIRED. ,~ IF TOTAL DUE IS REFLECTED AS A "CREDIT" (CR), YOU MAY BE DUI'\l- A REFUND. SEE REVERSE SIDE OF THIS FORM FOR INSTRUCTIONS.) ~ ~ REV-1470 EX (6-88) INHERITANCE TAX EXPLANATION OF CHANGES COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE BUREAU OF INDIVIDUAL TAXES PO Box 280601 HARRISBURG PA 17128-0601 DECEDENT'S NAME Richard J. Pasco, Sr. FILE NUMBER REVIEWED BY ANITA MCCULLY ACN 2104-0822 101 ITEM SCHEDULE NO. EXPLANATION OF CHANGES H 8(6) #4 The deduction for real estate settlement costs is reduced from $4,316.00 to $1,316.00 as escrow for inheritance tax is not an allowable administrative expense. ROW Page 1 < 1'01 Z <III >;:) ...Z >-11I (I)> ZIII j51:11: Dol&. 11.0 0... :z:Z ...11I ...z: <... 11I1:1I: ;3:< ZDo 011I z:A :E o U W U zx << 3:1- o ...J u.. X...JO << I-IIlI- ....Z WQW U s: ZO=IIl <Olll I- W ....wlIl ffi t;u.~ :c ' z (~. .... Be:' ~~~: wI-;;.-!' ~ ~l=!.. I- e:u, i~w6 (Ul'IW ~,Q: Slllt'~ '...Q.)O LQ.J.! c~ III W X < I- ...Jz .... <0 .. ::;)... '" QIn .. ....... 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OQ Z O=:<CW W..J..J 1-000CIl CIlW~ ~=..J CO 2:0=: W:::I<C O=:UU - BUREAU OF INDIVIDUAlPcm~,:-:r-"1 '~:r::;::I('\C INHERITANCE TAX DIYISION'-'J>" ,.... ,..1 I ,)_. PO BOX 280601 HARRISBURG PA 17128-0601 COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE INHERITANCE TAX STATEMENT OF ACCOUNT REY-1607 EX AFP (03-05) ?V~ ,... G r:: ,.. : I Li - !.:. r. ,-L2 -' I 1 , DATE ESTATE OF DATE OF DEATH FILE NUMBER COUNTY ACN 11-28-2005 PASCO 08-30-2004 21 04-0822 CUMBERLAND 101 RICHARD J i' E RALPH sttOFREY ESQ SALZMANN"HUGHES 95 ALEXANDER SPRG RD CARLISLE PA 17013 Amount Remitted MAKE CHECK PAYABLE AND REMIT PAYMENT TO: REGISTER OF WILLS CUMBERLAND CO COURT HOUSE CARLISLE, PA 17013 NOTE: To insure proper credit to your account, submit the upper portion of this form with your tax payment. CUT ALONG THIS lINE --------------------------------------------------------------------------- -+ RETAIN LOWER PORTION FOR YOUR RECORDS +- REV-1607 EX AFP (03-05) *** INHERITANCE TAX STATEMENT OF ACCOUNT *-* ESTATE OF PASCO RICHARD J FILE NO.21 04-0822 ACN 101 DATE 11-28-2005 THIS STATEMENT IS PROVIDED TO ADVISE OF THE CURRENT STATUS OF THE STATED ACN IN THE NAMED ESTATE. SHOWN BELOW IS A SUMMARY OF THE PRINCIPAL TAX DUE, APPLICATION OF ALL PAYMENTS, THE CURRENT BALANCE, AND, IF APPLICABLE, A PROJECTED INTEREST FIGURE. DATE OF LAST ASSESSMENT OR RECORD ADJUSTMENT: 10-18-2005 PRINCIPAL TAX DUE: 5,392.76 PAYMENTS (TAX CREDITS): PAYMENT RECEIPT DISCOUNT (+) AMOUNT PAID DATE NUMBER INTEREST/PEN PAID (-) 11-30-2004 CD004680 157.89 3,000.00 08-08-2005 CD005665 .00 2,120.00 10-31-2005 CD005947 22.75- 137.65 TOTAL TAX CREDIT 5,392.79 BALANCE OF TAX DUE .03CR INTEREST AND PEN. .00 !Ii IF PAID AFTER THIS DATE, SEE REVERSE TOTAL DUE .03CR SIDE FOR CALCULATION OF ADDITIONAL INTEREST. ( IF TOTAL DUE IS LESS THAN $1, NO PAYMENT IS REQUIRED. IF TOTAL DUE IS REFLECTED AS A "CREDIT" (CR), YOU MAY BE DUE A REFUND. SEE REVERSE SIDE OF THIS FORM FOR INSTRUCTIONS. ) Pi