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Home My WebLink About95-02782~-g5-DZ7E fj10a.1,3 Rar. 1/r7 TYPENRa,t w PERYANEIIT aLAgt arc Q ~1 1 n ti J ~i z W U W i This is to certify that the certificate hereunto attached is a tine and accurate copy of the original death record on file with the Division of Vital Records, and that Frank Yeropoli, whose name is subscribed thereto, was at the time of subscribing the same and now is Director, Division of Vital Records of the Department of Health, for the Commonwealth of Pennsylvania, duly appointed and commissioned as directed by Act 66 of the General Assembly, approved 29 June 1953, P.L. 304. AUG 16 2001 ? Date Fran eropoli, ct Division of Vital Records P.O. Box 1528 New Castle, PA 16103 COMMONWEALTH OF PENNSYLININIA • DEPARTMENT OF NEALTN • VITAL RECORDS CERTIFICATE OF DEATH X25814 swE RtE M1Ma®, NAME OF DECEDENTIFNt Miadf•, ual SE% SOCIAL SECURRY NUMSER ORE OF DF.10'N warM.UM.Nr, _ _ +• Ral h S. Richards Jr. ~- Male a. 19 - 1 - ~• ar[l-- Z~ /4~ AOEILar aYa.w,) uwe„rw, ugDER,~ DREOSarAN ewrNPtACi FMaAd PLACEOY DERNIpuq.aryw-arNbuu,onaunaNrawl M•nar Days Hwaa l YNraa lMaan, OaK,Nr, 9.r«F«•i0~~+~•N 81 `'" 11-3-13 ,Lansford, PA NPrrnl^ ERIQIp06ara0 °°"^ N"a;'0~ Rwiwlp^ 1°tl"~,^ oawnacDERN an,EDRO.,vrracoERN NAME(IIArNrarm.yrararana«an0«) NRSDECEOEMOFNISRVrCOWSa1T RACE-A^wrrlNaww.>w.wlw. ac N• ~] wa ^ a,a., Io•aNQ~.A 1-9o•a» Cumberland Carlisle .. Cumberland Crossin s ~"""'°"'°""°~ ,~ De~rausuALOCCwrvla, woacaumNESSIwYSmr WAaDECEDENttvEww oEDEaemswDl:lagN MAR/aLSCCw-MrdN IGA+IInd .W«aar m•r Y.S. ARMED FtiRCES7 as mw a-«wrcw~,.l °~1.",~.eaOff cer w^ ram Er~rya«°Iwn ca.a. "~o~«a~e~ dministrative „ I aura c , ala 1"«s., ,ti u MM~w<+A°°REaals~`c~,."'aa..a°c~" ,~.~Ir. Pennsylvania o„ ,,..^,~,~wwwr.,,•.N 1 Longsdorf Way e.a..a _,,,,. ~ Carlisle, PA 17013 •/~aw ~~ Cumberland M~4 ,,.gl ~ ,;, ~°~ Carlisle Ri1161'SNAME IR+. AEar., tap cM«.. wAAIEAti,t LEdd•. Lr'maI•na•w , Ral h S. Richards wFORwIMra RYP~d'b MA4116AOD/ESal9lar,Ca/pN.I, Srr. LpOadM ~^70O DREaFDISPOrRIa, rtACrasoa>rceala~.rr..aa,rt«,tcw.wo,,, .cclrb.wsr..nr s.r^ cra.am® Rawwalra^Slra^ °""" pO1"iP1e~C i ^ remat on Society ~^ ~~ ~ r.March 281995 ,,., of PA Cremator a, Ha r' sbu A 1 ~~ NAMEArDAm,taeasrNxmCrem tt1 n Spc'et off PA 010 94-L 4100 Jonestown ~d ~arris~ur PA 17109 ~ .I~rI~al.awrnr M~a„~r'°"a°o'.wwaavwardrumwwrrrnrwrr.a~ t~E,aENUMeEr oRESaNty ra mrrddw~ TUi ~~" PI«w w,l w.1 . ~ .~il• p~«ara,PO.d~nd,. °r of oEADprnR, wlc cA7E REFERRED W MEOIGLL E71AAaNEATgRpNp-, ® FD ( ~~ 3 195 w >~ O ~r M. arc. a.rARrc E+rwat...w,Ni+r.«canwue«..wuwwwm. oom«wm.aoe.a W rapalrwlrmarAana. d1~N1. mal wsrdre« amr.abcaaM«I rpaa. IMMe•rrr RYA a: OlwrMalRwrwallraaw~WYgrd•r4 re rrrr7lR,E CMM[(F.w i}~~~~ ^°I ^rv^7ra•r1ia11tiDuaayiwaNlRR~1. _ «ur W Anll~ _ ~~~ T~ DIlE /D ACOtSEOYENLE OF,; T % aaAA radNOr rrrrar a OUEWI0/1 ASACp15E~_GtIE? NLER'^OFk ~~ 1 eaw.E+YYIp1lYNp ~ ' Rr NiN110 MO« ~r OllE,O(OR AS A CONSEQUENCE OFk I~aapindwn WT i WAa ANAUIOPSV WERE AU/OPBY RNOari9 MANNEA OF DERV DRE OFIILIIIRY TIME OF aL111RY wNN+YRNRMD(7 DE9CRISE NOW wAl1iY OCCURRED.. PERFOIMIED'! MltIMlE P11101,W P+«+n Ca%w«l . COYPLHTION OFCAl15E ,o( OF OERN4 Nrvr L? Ibmiow ^ A«]d«a ^ p«qp9 ^ M• ^ No ^ ,J N• ^ Ne ~I 1M ^ N• ^ SukY• ^ Caadnawwa~N.a ^ M RACE Of wA1R~-NMnr Irm fYw 4rJ0l aap LO I . , . y, CR ON ISbw.CAy/k..., Saay 'by, a0 dYldrlp, •IC (SP•GIY1 701. C6Aa~161lCn,cA Qtly aW 'C~fMYNa M SIGNRIMIE 1TlICW11~7'aeNn~9cawaasal wlNnaroYl«yryapan nas parwmcaa asea. an0 ,vI AND *•t~ TaaMlwa••/rI••a•OaR dMNe•erad dwrdH~•+r•fM«rwrwrrwre .................~.......~~...................... K1 a,s. •rlwrotlNCSaANOCeASrwGr11ra1nANlvnyacN•cana«~+c+war,a•ennry.gr<auaaawn '7 oRES1oNEO1M1«m.DaKw/.rl Pr•., aM da. N tlN m,n.awaagl•I•altla•.aarn•e•«.wrarraa,ar.,and pu..,•1.n..unn«a•.W1 ......................... ^ a, o3BT~~~ 7,C a-ig•9J NAMEANDADORESSOFPERSON WMOCGMPIfIED CMI~GF OERII 'MlOIDAL EXAYaIER/CORONEp fa«n Pl T,pa«Pdr ~'/iJ- l71iP1/1iL~.~ Wh~M a~arnYlNlon andlor MeslipaNOn.Nmy opNbn. waM OCCUnW rlM tlme. dap.aM plaea. anAdwfotM uuaa(al and ~O-T N. ~•+L-TiN+a!'721L ~fYt ......... a,,. ................................. ................. ^ f~, 1 ? oL ~ a:. H'"/ FhLLY fw REGISTRAR'S 51CNRURE AND NUMSER DRE FLLED(Mpiln. Da,,'berl REV•I500 EX+ (i 1.911 ~ H Z W f' W u W W QH W 0_ L! v~0 ~m a Q I W Z ---moo O OZ ~', ~1 ~` ~ t! -',~ COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE DEPT. 280601 HARRISBURG, 'A 1 71 28-060 1 FOR DATES OF DEATH AFTER 1 ZI31/91 CHECK HE INHERITANCE TAX RETURN PoveR°UCREDIT IS CLAIMED ^ RESIDENT DECEDENT FILE NUMBER (TO BE FILED IN DUPLICATE WITH REGISTER OF WILLS) 2195-0278 -- COUNT Richards, Ralph S. (Jr_) 198-16-8517 1. Original Return ^ 4. Limited Estate 6. Decedent Died Testate (Attach copy of Will) ALL CORRESPONDENCE AND Y CODE YEAR NUMB 1 EDENT'S COMPLETE ADDRESS timberland Crossings 1 Longsdorf Way 3/23/95 11/3/13 Carlisle, PA 17013 - ceunry Cumberland ^ 2. Supplemental Return ^ 3. Remainder Return (for dates of death prior to 12-13-E ^ 4a. Future Interest Compromise ^ 5. federal Estate Tax (for dates of death after 12-12-82) Return Required ^ 7. Decedent Maintained a Living Trust ._, 8. Total Number of Safe Deposit Boa (Attach copy of Trust) HDENTfAL TAX iNPORMATION SHOULD BE:DIRECTED-TO: COMPLETE MAILING ADDRESS Wendy Fein Cooper, Esquire 1234 Market Street TELEPHONE NUMBER SUlte 2 0 Q Q Philadelphia, PA 19107 ( 215) 665-8000 Z O t- Q a u W os Z O Q r n. u Q r- 1. Real Estate (Schedule A) ( 1) - T~' ': 2. Stocks and Bonds (Schedule B) (2) - 3. Closely Held Stock/Partnership Interest (Schedule C) (3) - 4. Mortgages and Notes Receivable (Schedule D) (4) - 5. Cash, Bank Deposits 8 Miscellaneous Personal Propert y( 5) 3 8 5, 4 0 7. 3 8 (Schedule E) 6. Jointly Owned Property (Schedule F) (6) 7. Transfers (Schedule G) (Schedule L) (7) - - 8. Total Gross Assets (total lines 1-7) 9. Funeral Expenses, Administrative Costs, Miscellaneous (9) 16 , 8 21 ' 4 5 Expenses (Schedule H) 10. Debts, Mortgage Liabilities, Liens {Schedule I) (lp) 5 • 40 1 1. Total Deductions (total lines 9 8~ 10) (1 1) 16 , 8 2 6 . 8 5 12. Net Value of Estate (line 8 minus line 1 1) ~~~a"~'''Vr'i~/ (12) 3 68,, 5 $ 0 . 5 3 13. Charitable and Governmental Bequests (Schedule J) (13) 14. Net Value Subject to Tax (line 12 minus line 13) ~ I~ t s~~ 1 R 3 ~ . ( 4) _ i , 0 8 0 _ 5 15. Amount of line 14 taxable at 69b rate (15) x (Include values From Schedule K or Sch d l M .06 0 e u e .) 16. Amount of line 14 taxable at 15% rate (16) 3~='S3 x (Include values from Schedule K or Schedule M.) ~ ~ ~r~3 .15 = 5 3 , 7 8 7 . 0 8 ®/ 17. Principal tax due (Add tax from line 15 and from line 16.) ® (1 ~ 18. Credits Spousal Poverty Credit Prior Payments Discount Interest + 39,000.00 +~,0 .6~ _ {ts) - dl ns~ ~~ 19. If line 18 is greater than line 17, enter the difference on line 19. This is the OVERPAYMENT. (19) , ~^ t0. If line 17 is greater than line 18, enter the difference on line 20. This is the TAX DUE. (20) 12 , 7 3 4.4 5 A. Enter the interest on the balance due on line 20A . (20A) B. Enter the total of line 20 and 20A on line 208. This is the BALANCE DUE 2 12 , 7 3 4 . 4 5 -~~ ~ Make Cheek Payable to: Register of Wills, Agent (OB) ~ ~-F*8E=3T~~"TO=' ` CRESTt~E'ON<; . Under penalties of perjury, I dedars that 1 hove sxa th return, inducting acwmpanying schedules and ita it is true, correct and mplete. I dedars that all r s has been reported at true market value. Dedaration based on all infor ti of which oreeerwr 6.,. .....il~__ sots, and to the best of my knowlsdg~ and bslN preparer other than the personal ropressntativs DATE 12A4~ Market St. , Ste. 2000, Phila. , PA 19107 ? ~ c ~ ~ n ~j~ 1234 Market St. , Ste. 2000, Phila. , PA 19107 DA ~"ct--~ j' ., z PLEASE AlWSWER THE FOLLOWING QUESTIONS BY PLACING A CHECK MARK (,~) IN THE APPROPRIATE BLOCKS. 1. Did decedent make a transfer and: a. retoin the use or income of the property transferred, ............... ........................ b. retoin the right to designate who shall use the property transferred or its income, c. retoin a reversionary interest or ................. ................................................... d. receive the promise for life of either payments, benefits or care? ................ 2. If depth occurred on or before December 12, 1982, did decedent within two years preceding death transfer property without receiving adequate consideration? If death occurred after December i 2, 1982, did decedent transfer property within one year of death without receiving adequate consideration? .......................................... ....... 3. Did decedent own an 'in trust for' bank account at his or her death?........... IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. REV.1508 EX+ (2-871 COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT CCT~Tr n SCHEDULE E CASH, BANK DEPOSITS AND MISCELLANEOUS PERSONAL PROPERTY r~~r\IL VI Ralph S. Richards (All property jointly-owned with the Right of Survivorship must be disclosed on Schedule F) ITEM NUMBER DESCRIPTION See attachment TOTAL (Also enter on line 5, (Attach additional 8%x" x I1" sheets ii more space is needed.) Pleose Print or T~ DER -0278 VALUE AT DATE OF DEATH g 362,907.38 Attachment to Pennsylvania Inheritance Tax Return SCHEDULE E - Cash, Bank Deposits ~ Miscellaneous Personal Property Estate of Ralph S. Richards, Decd. Date of Death: March 23, 1995 Social Security Number: 198-16-8517 Value at Description .Date of Death Meridian Bank a) Checking Account #4054-1276 $29,840.26 less $122.22 uncleared check $ 29,718.04 Accrued Interest $ 30.82 b) Certificate of Deposit #4000912289 $ 15,000.00 Accrued Interest $ 6.43 c) Certificate of Deposit #3065966163 $ 35,000.00 Accrued Interest $ 76.45 d) Certificate of Deposit #4000912107 $ 20,000.00 Accrued Interest $ 111.69 Farmers Trust Company a) Checking Account #0011-63639 $ 2,469.05 Accrued Interest $ 1.54 b) Certificate of Deposit #109669 $ 20,000.00 Accrued Interest $ 20.05 c) Certificate of Deposit #107375 $ 65,000.00 Accrued Interest $ 178.07 PNC B ank a) Checking Account #50-8047-0581 (includes $11.11 interest posted on date of death) $ 6,890.04 b) Certificate of Deposit #176324018003 $ 25,000.00 Accrued Interest $ 96.17 c) Certificate of Deposit #186158 $ 5,000.00 Accrued Interest $ 14.18 d) Certificate of Deposit #181335 $ 25,122.47 Accrued Interest $ 92.51 e) Certificate of Deposit #180088 $ 7,500.00 Accrued Interest $ 8.88 f) Certificate of Deposit #180020 $ 5,000.00 Accrued Interest $ 1.47 g) Certificate of Deposit #178867 $ 15,016.03 Accrued Interest $ 50.23 h) Certificate of Deposit #178866 $ 5,000.00 Accrued Interest $ 10.65 Harri s Savings a) Certificate of Deposit #19-63-23326 $ 50,000.00 Accrued Interest $ 170.88 b) Certificate of Deposit #19-61-233288 $ 50,000.00 Accrued Interest $ 119.34 Personal Effects $ 1,000.00 Cumberland Crossing refund $ 1,702.39 Total: $3 85,407.38 alKUf1 e+[+ p.q r COhtFAONwlA1TM O~ PENNSYLVANIA INHERITANCE TAX RETURN RESIQENT QECEOENT ~~ SCHEDULE H FUNERAL EXPENSES, ADMINISTRATIVE COSTS AND MiSGEL1ANE0US EXPENSES B. Ralph S. Richards ITEM NUMBER DESCRIPTION A• Funeral Expenws; ~• Cremation Society of PA 2. Sunset Memorial Park 3. Thomas G. Souders, Pastor 4• St. Mark's United Church of Christ 1 2. 3. 4. C. 1. 2. , 3. 4. S. 6. ;; 7. t . _. 8. Adntinistrativ~ Costs: Personal Representative Commissions Social Security Number of Personal Representative: Year Commissions paid Attorney fees Family Exemption Claimant Relationship Address of Claimant at decedent's death Street Addnm ~ Stars Zip Code Probate Fees . Miscellaneous Expenses: William J. Mansfield - legal advertising Accounting fees Register of Wills - Inventory filing fee Register of Wills - Inheritance tax filing fee Philadelphia Newspapers - obituary Miscellaneous TOTAL (Also enter on line 9, Recapitulation} Please Print or E NUMBE 2195-0278 AMOUNT $ 152.00 $ 335.00 $ 25.00 $ 75.00 Waived x$12,000.00 N/A $ 326.00 $ 174y83 $ 1,000.00 $ 13.00 $ 15.00 $ 205.62 $ 2,500.00 ~ _. ,~ ~., ;821.45 (If more space is needed, insert additional sheets of same si:e.} REV-1512 ER+ (1-9J) SCHEDULE 1 COMMONWEAITN OF PENNfiYLWNVI# DEBTS OF DECEDENT, IN RESIDENTEDECEU TRN i MORTGAGE LIABILITIES AND LlE~+1S CJIAIt OF Ralph S. Richards fTEM NUMBER 1. The Patriot News Co. DESCRIPTION TOTAL (Also enter on line 10, Recapitulation) $ 5 (If more space a needed, insert additional sheets of sorrw size,) Please Print or T LE NUMBER 2195-0278 AMOUNT $5.40 .ti REV-1513 EI(+ (Y.B7) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF Ralph S. Richards FILE NUMBER ITEM NUMBER NAME AND ADDRESS OF BENEFICIARY AMOUNT OR SHARE OF ESTATE B. Charitable and Governmental Bequests: ~• Philadelphia Protestant Home 700 Gilham Street $5,000.00 Philadelphia, PA 19111 2• St. Mark's United Church of Christ 525 Welsh Road $5,000.00 Philadelphia, PA 19115 TOTAL CHARITABLE AND GOVERNMENTAL BEQUESTS {Also enter on line 13, Recapitulation) $ , 10 000.00 (If more space is needed, insert additional sheets of same size) SCHEDULE J BENEFICIARIES Attachment to Pennsylvania inheritance Tax Return SCHEDIILE J - Beneficiaries Estate of Ralph 8. Richards, Decd. Date of Death: March 23, 1995 Social Security Number: 198-16-8517 Item Name and Address Number of Beneficiary Relationship Amount 1. Rev. Thomas G. Souders $3,000.00 per Item 3A) 525 Welsh Road Philadelphia, PA 19115 2• Edna Herberg (per Item 3D) $2,500.00 88 Juniper Circle New Hope, PA 18938 3• Bertha Carlson (per Item 3E) $2,500.00 88 Juniper Circle New Hope, PA 18938 4. Thomas M. Richards, Sr. 1100 North Pitt Street Carlisle, PA 17013-1428 1/2 personal effects (per Item 2A) $ 500.00 2/5 of residue (per Item 4A) 2/5 of residue 5. William N. Richards 10 Fargreen Road Camp Hill, PA 17011 1/2 personal effects (per Item 2A) $ 500.00- 2/5 of residue (per Item 4B) 2/5 of residue 6• Thomas M. Richards, Jr. 51 East Elm Street Chicago, IL 60611 1/15 of residue (per Item 4C) 1/15 of residue 7• Ann Struele 123 Brentwood Circle North Andover, MA 01945 1/15 of residue (per Item 4D) 1/15 of residue SCHEDULE J - Beneficiaries (continued) Estate of Ralph 8. Richards, Decd. Date of Death: March 23, 1995 Social Security Number: 198-16-8517 Item Name and Address Number of Beneficiary Relationship 8• Nancy Planers: 1102 Harbour Place Stafford, VA 22504 1/15 of residue (per Item 4Ej Amount 1/15 of residue SCHEDOLE J - Beneficiaries (continued) Estate of Ralph S. Richards, Decd. Date of Death: March 23, 1995 Social Security Number: 198-16-8517 Item Number Name and Address of Beneficiary Relationship 8. Nancy Planas 1102 Harbour Place Stafford, VA 22504 1/15 of residue (per Item 4E) Amount 1/15 of residue WILL OF RALPH 8. RICHARDS I, RALPH S. RICHARDS, of philadelphia Count make this my Will and hereby revoke all m Codicils, Y prioryWillsnandvania, m ITEM 1. ~ ~ expenses of m Ex enses. I direct the ~ suitable Y last illness, my funeral a Payment of the ~ ~ the buriagravemarker and the perpetual careeandsmaintenanceoofa plot in which I shall be buried ~ ti ,~ for the same not have been conc w-I p A death. luded and should arrangements ~ ~~.. paid for prior to my is c" ITEM 2. .'~ o,~~`"-~ ---. Tan ible Personal Pro ert Insurance. ~~ ~ ~ A• Personal Effects. ~ ~~ _~, personal effects, I give such jewelry, ~~~' as I own at the timeuofhmld goods' works of ~-~7 who survive me Y death to such of the and automobiles ""' brother tO be divided between them as theylmawing persons y r ~ . ~- ~ - THOMAS M. RIC o ~ HARDS, and my brother, WILLIAM N.aRICHARDS. ~~,'~ ~' B • Insurance . (Tan ible Personal Pro ert Each gift under this Item 2 R ~ of insurance on the Insurance s ~ c3 .o property which is thehsubjectlthereofh p°licy ~`~ Specific Bec~ue~t~ give the s ~'~°~~"'' ~ltt to the Phi adel hia Protestant Home. PHILADELP~~~~,-__,~Five Thousand Dollars to the P .~~~T HOME, 700 GilhamSStreet0 I ennsy vania fat tha ` ' , ___,~.~.;,. ~R^,~ ~~µ.'~ t ~ Institution's general„ ~ Lawndale, 1 ~ ,...._._ .._ _... .~~..~....__..~~....~.~ P p ses ~ _. ... give the G ~ t to St . } ~-~~~ Marks Uni ed Chu ch of Chr'st. I UNITED CH~~-F"CVe Thousand Dollars Pennsylvania for HRIST, 525 ,Welsh Road$5'000.00) to ST. MARK'S that institution ~ s .~erler_alinadelphia, the sum of T Glft to Reve nd Thomas G G• SOUDERS ee ThousaDd Dollars Souders. 525 Welsh Road ($3-000.00) to REVERENDITHOMAS survives me, but if y ~ Philadel hia he;.fails to survive mePennsylvania, if he and be divested. this gift shall lapse .~:--.._ _..w~. ~.: D' Glft to Edna Herberv. Thousand;Five Hundred Dollars ($2,500.00 I glue the sum of Two to my wife~s cousin ______ .. .w..~... EDNA HERBERG, 6401 North Fairhill Street, Philadel Pennsylvania, if she survives me, this gift shall lapse and be divested, if she failsptoasurvive me, Two Thousand Five HundredtDollars Carlson. cousin ($2,500.00)Ito1me the sum of PennsylvaniaHA CARLSON, 6320 North 5th Street y wife s this gift shallflapsesandlbesdivestet if she failsltoesurvive me d. , I EM 4• Residuar residue and remainder of m Estate. I give all of the rest, y estate as follows: A• Gift to Thomas M, (2/5) thereof to my brother, THOMAS M. RICHARDS Two fifths me, but if he fails to survive if she survives me fie. to his wife ~ if he survives brother's issue who survivesme fails to survive mAeNNA G' RICHARDS, per stirpes. tO fiY said (2/5) thereof tom Gift to William N. y brother Richards. Two fifths me, but if he fails to survivelmeIAM N. RICHARDS RICHARDS, if she survives me ' to his wife, VIRGINIAsurvives my said brother's ~ but if she fails to survive me, to issue who survive me, per stirpes. fifteenth C' Gift to Thomas M, (1/15) thereof to m P Richards Jr. One if he survives me, but if he failshto~sur~iMvAe me who survive me RICHARDS, JR., per stirpes. to his issue thereof to m D' Gift to An Streule. One fifteenth (1/15) fails to surviveeme~ ANN STREULE to her issue whossurvivelmes me' but if she per stirpes. thereof to m E' Gift to Nancv Planas. fails to surviveeme~ NANCY PLANAS, if she surviveslmeeenth (1./15) to her issue who survive fie ~ but if she per stirpes. entitled to F' In the event there is no beneficiar Paragraph A orsgare of my estate under the Y who is under such Para rabove, I direct that the sharelorosharesepassin shares g Ph shall be added pro rata to the share or g passing under the other of such Paragraphs. to a share of mG' In the event there is no beneficiar Paragraphs C Y estate under the provisions of an Y entitled under such Paragraph~shalirbet that the share or sharesthe above shares passing under the otheraofesuchoParagraohshe shareaoring P to a share of mH. In the event there is no beneficiary entitled y estate under Paragraphs A and B, I direct that 2 (~~iJ the shares passing under such Paragraphs. shall be ad to the share or shares passing under the provisions C• D and E, ded pro rata of Paragraphs to a share of mI. In the event there is no beneficiar that the sharesy estate under Paragraphs C, D and E y entitled passing under such Paragraphs shall'be direct rata to the share or shares passing under the Paragraphs A and B. added pro provisions of M 5• Incapacity Provision. provided hereunder Except as otherwise distribution of income ory beneficiary who is entitled to a adjudicated an incompetentprorcisal is a minor Executors, disabled b ~ or has been y reason of advanced aue9ment of my cause or is, in the judgment of m g ~ illness or other aPPly such income or Y Executors, otherwise unable and advanta a Principal to his or her own best interest "incapacit g (each such condition bein Y"), the title to such g referred to herein as beneficiary, but durin Property shall vest in such Executors ma 9 the existence of such incapacity m y retain and administer such propert y y as follows: or apply for the~benefitloftsuch beneficcutors rna property and the income thereon as the Y distribute t< iary as much of such discretion, may deem advisable for theyhealthheeduabsolute level), maintenance and su intervention of a PPort of the beneficiar cation (at and without a guardian, committee or other Executorhand the ppiication to, or approval of alternative, in the case of a minor any court. such distribution to the ~ mY Executors main the to a custodian under the UniformnGiftshto Minors Y make any person of such minor or Act. to an incapacit B' Termination. Upon termination of the y, the then remaining balance of such accumulated and undistributed income shall be distribt beneficiary, or P Y and all to his or ~ if such beneficiary dies durin uted to such her estate. g such incapacity, Notwithstanding the foregoin Participate in the exercise ofPanvisions, no Executor shall (I ca c't Provision) who is a beneficiarnder this Item 5 interests any such power may be invoked, Y with respect to whose distribution S endthrift Provision. hereunder shallhnotnbemsubjectltolanticf m Until actual y estate or any trust any beneficiary by assignment or b 1Pation or alienation by be taken, seized or attached becauseaof theedebedns and shall not of any beneficiary. is or obligations 3 , ", I ry ITEM 7. Provisions Res ectin Taxes. which may be due~andDeath Taxes. I direct that all death taxes all property includibleyforesuchapurposesyshallhbeltaideopect to the principal of my residuary estate before its division intof shares. B• Executors Authorit No property forming part of any trust or other gift which is not includible in my estate for federal estate tax purposes shall be used to a death tax or any debt or administration expense in the settlement of my estate. I authorize my Executors to compromise, settle and adjust all such taxes, and, insofar as the law may permit, to a such taxes at such time or times as they, in their absolute p y discretion, may deem advisable. any election orCoptionlavailableuinodeterminineCUtors to exercise death or other taxes in my estate as the g and paying any discretion, may deem advisable includin y' in their absolute g, without limitation: estate tax return orlon anycincomeetaxtreturnn either my federal 2• To select the date for valuing property includible in my gross estate for federal estate tax purposes. D• Insurance and Other Benefits. may, in their absolute discretion, select the method andctimin of payments of the proceeds of any insurance on my life and ofg any pension, profit sharing or other retirement extent payable to them and to exercise any otherpoptions which may be available to them with respect to the payment of any such benefits. E. Discretion of E ecutors. authority or power granted to them by the provisionscof1thisnItem ~ (~wisions Restiectin Taxes absolute discretion, make or not makexadjustments~orn their apportionments between or among the beneficiaries or between principal and income. All determinations b this Item 7 (pr°visions Resoectina TaxR+c y my Executors under in their absolute discretion. ) shall be made by them $• Powers of Fiduciaries. powers conferred upon them b In addition to the my fiduciaries shall have the followinther provisions of my Will, exercise as often as they may deem advgsablerandwwithoutey may application to, or approval by, any court or beneficiary: 4 1~ (~~ .~, A. Retention of Property. To retain any or ali property as long as they may deem advisable. B. Sale of Property. To sell, lease without limit of time, exchan a or to pledge, mortgage, the purchase, lease or exchange of any asset ofamy estates onr such terms and conditions as they may determine. C. Real Estate. To hold, manage,. operate, repair, alter or improve any real estate. D. Loans. To borrow money and to mortgage or pledge assets of my estate to secure the repayment thereof. estate or any trustChereunder~ asmtheylmaycdeemsadvior against my sable. F• Employment. To employ and agents, brokers, accountants, bookkeepers, attorneyssandians, investment counsel. G• Delecxation. To delegate between or among themselves and to others any power granted by law or under my Will, provided, however, that this fiduciary to participate in a decisionvfromnwhichlsuch fiduciary is expressly excluded under any provision of my Will. No person dealing with my fidu~ariesrorethe~r successors shall the application of an be bound to see to y purchase money or other consideration, or to inquire into the validity, necessit or transaction to which any such fiduciary maypbepaiety of any party. I 10• Executors. I appoint my brother, THOMAS M. RICHARDS, my brother, WILLIAM N. RICHARDS and JOEL W. TODD, Executors of my Will. I 11. Waiver of Bond. No fiduciary hereunder shall be required to file bond or enter security in an any rule or law to the contrary notwithstanding.y jurisdiction, ITEM 12. Fiduciary L~abil~ty. A• Absolute Discretio . by my fiduciaries which is stated herein tocbedinetheirtabsolute discretion shall be conclusive and binding upon all parties and shall not subject my fiduciaries to any liability whatsoever, at law or in equity. 5 ~~. 1~~3J- ;. fiduciaries from~anRelief from L'ab'1't . decisions Y and all liability which resultsrfromvtheir faith, and theyoshall beyabsolved o° act arrived at in approval for an f any liabilit g°od beneficiaries affectedotherebre action from a majoritytofythetain Y who are then sui ~uris. amon Y 9 m fiduciariesiorathemfailurentohe event of Executor, the act of a disagreement anY specific instance shallrcontrol act on the part of an y of fiduciaries entitled to act in binding when evidenced in writin and the same shall be without the joinder of or g signed b or non-actin liabilit Y such majority, g fiduciary. Y on the part of the dissenting IT-- EM-13• Definitions• Headin s. the singular shall bead ed toenever a ppropriate in this Will, versa; the masculine to include thelfeminine and vice ~ each of them to include the neuter Plural, and vice and vice versa, versa and B• Pro ert For a,ll tangible oandtintangiblee deemed to includeorealhereunder, the kind therein. Personal property and anProperty and y interest of any "give" shall becdeemedeto include the -~ purposes hereunder, the term "bequeath".wherever appro riate terms devise" and testamentary transfer of P ~n order to effectuate the property. term '~ D• Death Taxes. death taxes" shall mean a1lFestate Purposes hereunder and succession taxes , the however ~ federal, state and~fo e1ritance, transfer generation-skipping transfer taxes gn (excepting, and penalties thereon. ), and all interest E• Issue. "issue" or any other t re m denotinl purposes hereunder adopted person, whether adopted g relationship shall~includerany my death, or~vifeadoptedsaftereminn shall haverbeenoadof ted member of the °ritY, that such P during minority minority. adopting parents householdpdurin shall have been a g such personas shall mean anyone who o s' All references herein to a minor age. has not attained twenty-one (21) years of clauses of thisGWillea-- r "nas. The headin s or provided onl g titles of the Y for convenience of 6 .. ~ .. ..•- i reference and shall meaning, purpose or refer. not be used to restrict or explain effect of any of the provisions to the which they to any provision~ofltherInternalnRevende. Internal Revenue Code of 1986 All-references herein provision thereto in effect at ms amendedCoandsanll mean the Y death. ~ Y successor seal to this iWITNESS WHEREOF Y Will composed inhall ofr7unto set my hand and attestation clause this ; ?;; day of ~3;,,, Pages inclusive of 19 G,_ ~:. h{ - -'I ~ / } RALPH S. RICHARDS ~ (SEAL) Testator SIGNED, SEALED, PUBLISHED and DECLARED b RALPH S. RICHARDS, the Testator presence of us - as and for histWilllinltheamed presence of eachwothert his request, in his witnesses. have hereunto subscrpbedeour namesnashe i ,/ W1t ss ,~ ,~ , Wlt essy': , , ~~~ .n .G i ~ ~~ Witne t ~ %! ~~ ~~~ , - -v- Address q~ W ~4~ Address `~~' ' Address ~~-f -~ ~`~ `~`-~,~'-' 7 SELF-pROVING AFFIDAVIT COMMONWEALTH OF PENNSYLVANIA : COUNTY OF SS ..-~ ~ ~' ~Ji-i ~ RALP~i S . ~ .~. -ic, ,(~.-~r.~,~~ ,. fRICHARDS, the Testator ~ , -~ witne ses hose sl '- ~ and ~-~_ , ; . _ . !~ ~% C - / i L~/: ~~.., signed to the foregoatures appear<below "t the hereb g ing instrument and whose names are Y declare to the undersi ned ~ being first duly sworn signed and executed the g authority that the do of witnesses instrument as his Will Testator his free that he signed willin 1 ~ in the that eachaof theuwitnesses,fin thug y' that he Presence purposes thereincexed it as Testator, and in the the Presence and hearinPressed, the Will as witness andesence and hearin g °f the witness, the Testator washat to the best knowledheother, signed older, of sound mind and underhat time ei g of each no constra~nteor years of age or undue influence. ~-, _ ~ Sri S • RICFiARpS Testator ,_ ~~.. i ~-. i ne ~rr/ Witn s , . 'r ~~f~ 4 ~ ~ '~~ tnes~ ~ ~` ~ Subscribed, sworn to RICHARpS~ the Testator and acknowledge before me b ~ii~< -~ , and subscribed and sworn to befoRrePmesb above; this ,~~e witnesses whose ~ and y day °f ~~~~ signatures a ___, 1990. PPear NCTARIAI SEAL ~ ~,• _~ ~y ~ V6nSCChb. Nomry Publlc %G ~ ' ~ / / ~ ~, ~"H~ ~ A~kiv ou t~~ ar' Public MY Commission expires: