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Home My WebLink About06-13-13 Reset PETITION FOR GRANT OF LETTERS REGISTER OF WILLS OF CUMBERLAND COUNTY,F'ENNSYLVANIA Petitioner(s) named below, who is/are 18 years of age or older, apply(ies) for Letters as specified below, and in support thereof aver(s) the following and respectfully request(s)the grant of Letters in the appropriate form: DecedenNs Information /�-/ �3 Name: Ruth C. Kessler File No: �p a/k/a: Ruth Kessler (Assigned by Register) a/k/a: Ruth Clemson a/k/a: Ruth A.Clemson Social Security No: Date of Death: Mav 13,2013 Age at death: 89 Decedent was domiciled at death in Cumbedand Counry, pennyylvania (srare) with his/her last principal residence at 42 Tunbridee Laue_Cadisle.PA 17015 South Middleton Two Cumbedand SMeet address,Post Office and Zip Code City,Township or Borough County Decedent died at 2100 Bent Creek Boulevard.Mechanicsbure PA 17050 Silver Sorine Twn Cumbedand PA S[reet address,Post Office and Zip Code City,Townahip or Boroagh Couoty State Estimate of value of decedenPs property at death: /jdamiciled itt Pennsy[vqnia.. .... . . .. . ... .... . .. . . .. . .. AII personal property $ 5,000.00 /jnot domici[ed in Pennsylvania. . . .. . . ... .. .. . .. . .. . . .. Personal property in Pennsylvania $ p p� lJnot domici[ed!n Pennsylvania. .. .... ... . . ... . .. .... .. Personal property in County $ �� Valueafrealestatein Pennsylvania... . .... .. . . .. . . .. . ... ...... ... . .... .. . . ... .. . . ... . ..... . $ p pp TOTAL ESTIMATED VALUE. .. . $ 5.000 00 Real estate in Pennsylvania situa[ed at: (Anach additiona(sheets,i(neressary.) Sheet addresa,Post O(fice and Zip Code City,Towoehip or Borough County � A. Petition for Probate and Grant of Letters Testamentary Petitioner(s)aver(s)he/she/they is/are the Executor(s)named in the last WiII of the Deeedent,dated Ma[ch 20, 1996 and Codicil(s) thereto dated Febmarv 5.2001 — State relevaot circumstanees(e.g.renunciotioq deuth of erecuJar,etc) Except as follows: after the exewtio�of the instrument(s)offered for probate Decedent did not marry,was not divorced,was not a patty to a pending divoroe proceeding wherein the grounds for divorce had beeu es[ablished as defined in 23 Pa.C.S. § 3323(g),and did no[have a child bom or adopted;and Decedent was neither the victim of a killing nor ever adjudicated an incapacita[ed person. Q NO EXCEPTIONS Q EXCEPTIONS � B. Petition for Grant of Letters of Administration pf applicable) c.e.a.,d.b.n.,d.b.n.c.t.a.,pendente lite�,dur¢nte absentia,durante minontate If Administration,c.t.a. or db.n.c.t.a.,enter date of Will in Section A above and complete list of heirs. Excep[as follows: Decedent was not a paRy ro a pending divorce proceeding wherein the grounds for divorce had been established as defined in 23 Pa.C.S. § 3323(g)and was neither[he victim of a killing nor ever adjudieated an incapacita[ed person. O NO EXCEPTIONS Q EXCEPTIONS Petitioner(s),after a proper seamh has/have ascertained that Decedent leR no W ill and was survived by the following spouse(if aky�and heirs-f,gtmch additinnal sheetv, ifnecessary): n w � � c o m c> Name Relationshi p��d v � �:� � � a � - - :'.�r � zm w �� '- z . � e � � � -n -i A ', � G ±'.: n N � n 9 � � O S Form RW-01 re¢ 10/I7/10I1 P,dge 1 Of 2 Oath of Personal Representative oe��ai useo�iy COMMONWEALTH OP PENNSYLVANIA } } SS: COUNTY OF } G �„ �` m A �- ca Petitioner(s)Printed Name Petitioner(s)Printe s ,� � � � A r - Edward F. Kessler 42 Tunbrid e Lane Carlisle PA 17015 r z m <_ . x �, , d C) G -' � ",'� ._a � • � f:'S ii ' ui "'� The Petitioner(s)above-named swear(s)or aflirm(s)the statementa in the foregoing Petifion are true and correct m the best ofthe knowledge and belief of Petitioner(s)and that,as Personal Representative(s)of the Decedent,the Petitioner(s)will well and wly aiiminister the estaCe according to law. Sworn to or ffi med an ubscribed before �.c��-a�..��jC�w�a, Da[e ci .� me th' � '�y of �/ Date $y:�� c ��/(G„� Date o !he Regis(er Date BOND Required: � YES Q NO TotheRegisterofWi!!s: FEES: Please enter my appearance by my ignature below: Le[ters . . . . . . . . . . . . . . . . . . . . . . $ (/,OD Attomey S��9�re: ( 4) Short Certificate(s). . . . . . �D ( )Renunciation(s).. . ,. . . . . " ( ) Codicil(s). . . . . . . . . . . . . ( )Affidavit(s).. . . . . . . . . . . Bond_ . . . . . . . . .. . . . . . . . . . . . . Printed Name: Andrew H.Shaw Commission. . . . . . . . . . . . . . . . . . Supreme Court . ' O er : . . . . . . . . ID Number: 87371 �0 . . _ . . . �G Firm Name: Law Office of Andrew H. 5haw,P.C. Address: .O�n�ne(:arden Stree[ . . . . . . . . Suite 1 I Cadisle,PA 17013 Phone: 717-243-7135 Automa[ion Fee. . . . . . . . . . . . . . . � Fax: 7]7-243-7872 ICS Fee. . . . . . . . . . . . . . . . . . . . . � Emsil: andrew�hawlaw rnm TOTAL. . . . . . . . . . . . . . . . . . . . . $ /� DECREE OF TAE REGISTER Estate of Ruth C Kessler File No: �� .� a/k/a: Ruth Kessler,Ruth Clemson.Ru[h A Clemson AND NOW, U(,L�f f L, � ,�in consideration of the foxegoing Petition, satisfactory proof h g been presented before me, IT IS DECREED that Letters Testamentarv are hereby gra�ted to Edwazd F.Kessler in the above estate and(if applicable)that the instrument{s)dated March 20, 1996 and Februarv 5,2001 desecibed in the Petition be admitted tA probate and filed of record as the last Wil (and Codicil(s))of Decedent. Reg er of Wills � of 2 Fo,maw-oz te�_ mnuznn L, • FIRST CODICIL TO THE LAST WILL AND TESTAMENT OF RUTH C. KESSLER I,RUTH C. KESSLER A/K/A RUTH KESSLER A/K/A RUTH CLEMSON A/K/A RUTH A. CLEMSON, of Cumberland County, Pennsylvania, declare this to be my First Codicil to my Last Will and Testament dated March 20, 1996. 1. I hereby revoke ARTICLE II, Section(1), of my Last Will and Testament dated Mazch 2Q 1996, and substitute therefor the following: (1) PAYMENT OF DEBTS, EXPENSES, AND TAXES I direct that all of my legally enforceable debts and expenses, including, but not limited to, any expenses of my last illness, any funeral or cremation expenses (including, but not limited to, the costs of inemorials of all types and memorial services), any allowances by court order for those individuals dependent upon me, any expenses • of the administration of my estate (including any expenses of any ancillary proceeding that may be necessary in another state or country), and any estate, inheritance, or other death ta�ces of any nature (together with any interest and penalties) that may be payable upon or with respect to any property, or any interest therein, required to be included in my estate or taxable to any person receiving any such property,be paid as soon as practica] after my death by my Personal Representative, and I hereby authorize and empower my Personal Representative, in the case of any claim made against my estate, to settle and discharge any such claim, in the sole and absolute discretion of my Personal Representative. Moreover, to the extent that the assets of my probate estate, exclusive of any real estate or tangible personal property, are insufficient to pay all, or any part of, the legally enforceable debts and expensas�of my est�, an � C0 w �m estate, inheritance, or other death taxes of any nature, or an��h bequ�ts ua�� this Will, if any, my Personal Representative shall demand�a�ent thereof�o� s> �- m w '�, _. cn =,� �.. ,::., • L' C'� � -'^ �' ^_y r� -r. 'r1 w i p - _J .`rl !�) i� , �, - C� 't:f ' , r�__ r�l �.,. !._� �;. ;J _._ � • the Trustee of The Ruth C. Kessler Revocable Trust dated March 2Q 1996, but subject to the terms, conditions, and limitations of that certain Trust Agreement which aze applicable to the payment of any such sums. 2. I hereby revoke ARTICLE IV of my Last Will and Testament dated March 20, 1996, and substitute therefor the following: (1) RESIDUARY DISTRIBUTION I give the balance of my estate, all of which is herein referred to as my residuary estate, to the Trustee of the Ruth C. Kessler Revocable Trust dated Mazch 20, 1996, to be administered by the terms provided in the said Trust Agreement as it now exists or as it may be amended at the time of my death, notwithstanding that any such amendment or amendments may ha�e been made subsequent to this Will. It is not my intention to exercise any power of appointment. I may have, except as any such power of appoinhnent may be specifically exercised. The receipt of the said Trustee under the said Trust Agreement shall be a full acquittance and dischazge to my Personal Representative for the property so distributed. Upon distribution to the said Trustee, the adminish�ation of my estate shall cease with respect to the assets • passing to the said Trustee, and the said Trustee shall not be subject to the control of any court in which my Will may be probated. In all other respects, I hereby ratify, confirm and republish my Last Will and Testament dated March 20, 1996, together with this First Codicil thereto, as and for my Last Will and Testament. IN WIT'NESS WHEREOF, I have hereunto set my hand and seal this ��g � �� ,..�,, � 1'�.�.�.A�.,, v�",...a,� 1 Lx�.o,(..., �_ � RUTH C. KESSLER A/K/A f'�� RUTH KESSLER A/K/A �a� RUTH CLEMSON A/K/A � RUTH A. CLEMSON • _ • SIGNED, sealed,published and declazed on the date thereof by the above named RUTH C. KESSLER A/K/A RUTH KESSLER A/K/A RUTH CLEMSON A/K/A RUTH A. CLEMSON and for the First Codicil to her Last Will and Testament dated Mazch 20, 1996, in the presence of us, who at her request, in the presence of each other, have subscribed our names as witnesses. 9 ��.�a�� _�yj'i('G-l'D Residence ��/� �� Q� � ,E _ '�' �-- �� Residence � � j) �,L / ��, �� (�� 7 � � • • • ACKNOWLEDGEMENT COMMONWEALTH OF PENNSYLVANIA . : SS COUNTY OF DAUPHIN , We,RUTH C. KESSLER A/K/A RUTH KESSLER A/K/A RUTH CLEMSON A/K/A RUTH A. CLEMSON,�1�,�1pi�1'�. (��l�ii ��_and � ('l�` ��/�,�� . �_�,( �(;'� , the Testatrix and the witnesses respectively, whose names are signed to the attached or foregoing instrument, being first duly swom, do hereby declare to the undersigned authority that the Testatrix signed and executed the instrument as her First Codicil to her Last Will and Testament, that she signed willingly (or willingly directed another to sign for her), and that she executed it as her free and voluntary act far the purposes therein expressed, and that each of the witnesses, in the presence and hearing of the Testatrix, signed the Codicil as witness and that to the best of their knowledge the Testatrix was at that time eighteen years of age or older, of sound mind and under no constraints or undue influence. • �'��.n,a, c 1 ta,...�x.� �'�a�. �a,o-..1... ►�.�.t. N.[wr..._,,, �;,� � � TESTATRIX ��✓�'. l.C� WITNE— SS �� „ / l�t.,-�� '�� wi�s �/ ` Subscribed, sworn to and aclrnowledged before me by RUTH C. KESSLER A/K/A RUTH KESSLER A/K/A RUTH CLEMSON A/K/A RUTH A. CLEMSOI�I, the Testatrix, and subscribed and sworn to before me by U CL (,� and � d'1 � �� ` � �,1 � , witnesses, this �B 5 2(101 � ��L�CCa$c, ,� � :2 NOTARY PUBLIC (SEAL) i � t� . � �y°uhlir. +�o, +y i�,�; �., '003 � ��r .. .. . �� LAST WILL AND TESTAMENT � • OF RUTH C. KESSLER • I, Ruth C. Kessler (a.k.a. Ruth Kessler) (a.k.a. Ruth Clemson), a resident of, and domiciled in, Cumberland County, Pennsylvania, do make, publish, and declare this to be my Last Will and Testament, in the manner following, hereby revoking all of my previous Wills and Codicils (but not that certain Trust Agreement referred to in Articles II�nd IV he�n, �, same be determined to be testamentary in nature). � o � �� _ o ao '9 z rn � ARTICLE I � D � �,� ° GENERAL PROVISIONS a N � �`' �� `�' z . ;� �, c � � � -T� �V-{ �:� (1) STATEMENT OF CITIZENSHIP �;, c� -- - °, .,_, c: 4:ro _ - �; ;� �� I declaxe that I am a citizen of the United States of Amexica, and the`t my Socf� Sec�rt�€'y Number is — (2) FAMILY MEMBERS At the time of the execution of this Will, my spouse is Edwarc' F'. Kessler (hereinafter referred to as "my spouse"), and my children are Wendy Louise Henry and Penny L,ee � Costopoulos. My step-children are Kathy Jo Kessler, Mary Ann Kessler, Connie Jean Kessler and John Edward Kessler (hereinafter collectively and individually, as the case may be, referred to as "my children" or "my child"). For purposes of this instrument and f'or all other purposes, the terms "child" and "children" shall NOT include adopted persons; step-children and their issue are specifically included; the terms "grandchild" and "grandchildren" sha11 iuclude aJopted grandchildren, step-grandchildren and [heir issue; the term "issue" shall include iiae "li;statrix's lineal descendants of whatever degree and the lineal descendants of step-childreii, adopted grandchildren and step-grandchildren. Furthermore, for purposes of this instrument and for all other purposes, persons in gestation, later bom alive, shall be considered a person in being. ARTICLE II DEBTSAND TAXES (1) PAYMENT OF DEBTS, EXPENSES, AND TAXES ��i1 Set�'°�' �e�°�ed. fee �YrrCo��;� I direct that all of my legally enforceable debts and expenses, including, but not limited to, any expenses of my last illness, any funeral or cremation expenses (including, but not limited to, the costs of inemarials of all types and memorial services), any allowances by court order for those individuals dependent upon me, any expenses of the administration of my estate (including any expenses of any ancillary proceeding that may be necessary in ar.other state or country), and any estate, inheritance, or other death taxes of any nature (tagether with any interest and penalties) that may be payable upon or with respect to any property, or any interest • therein, required to be included in my estate or taxable to any person receiving any such property, be paid as soon as practical after my dea[h by my Personal Representative, and I hereby authorize and empower my Personal Representative, in the case of any claim made against my estate, to settle and discharge any such claim, in the sole and absolute discretion of _ my Personal Representative. Moreover, to the extent that the assets of my probate estate, • • exclusive of any real estate or tangible personal property, are insufficient to pay all, or any part of, the legally enforceable debts and expenses of my estate, any es[ate, inheritance, ar other death taxes of any nature, or any cash bequests under this Will, if any, my Personal Representative shall demand payment thereof from the Trustee of �-�wa�d F� arnt-Ruth C. s,: : Kessler Revocable Trust dated /y�,� ,20 , 1996, but subject to the terms, conditions, and limitations of that certain Trust Agreement which are applicable to the payment of any such sums. (2) DISCHARGE OF LIENS In the event that any property, or interest in any property, passing under this Will, or otherwise, by reason of my death, shall be encumbered by a mortgage or lien, or shall be pledged to secure any obligation (whether or not the property, or the interest in any such property, so encumbered or pledged shall be owned by me individually or jointly), then it is my intention that any such indebtedness shall not be charged to, or paid by, my estate. ARTICLE III SPECIFIC BEQUESTS (1) PERSONAL EFFECTS � All of my clothing, jewelry, personal effects, boats, automobiles, and all other tangible personal property, not otherwise specifically disposed of herein or otherwise, which are owned by me at the time of my death (except any cash on hand or on deposit, any property used in a trade or business, and any other property held for the production of income), I bequeath to my spouse. If my spouse shall not survive me, this bequest shall lapse and shall pass to my residuary estate. (2) PROPERTY INSURANCE POLICIES All of my insurance policies which provide indemnity for the loss of any of my personal or real property by fire, windstorm, or any other casualty, including any claim for any such loss of any such property which I might have at the time of my death against any insurance company, I bequeath any such policies or claims respectively to those persons who shall become owners of the applicable properties by reason of my death, whether or not any such ownership be acquired under this Will or otherwise. (3) COST OF DELIVERY If, with respect to the aforementioned bequests, it is necessary to effect the delivery of my tangible personal property or any insurance policies to a beneficiary who is to respectively receive the said bequests, my Personal Representative shall arrange for, and pay the costs of, any shipments incurred in making any such deliveries. � 2 • ARTICLE IV RESIDUARY ESTATE ��'�J �"7'�L< (lr �o k'ed Se e Fry� �a r,�r�c/�. (1) RESIDUARY DISTRIBUTION I give the balance of my estate, all of which is herein referred to as my residuary estate, ' ` ` to the Trustee of The Edward F. and Ruth C. Kessler Revocable Trust dated = � �• � � � �.0 , 1996, to be administered by the terms prcrvided in the said Trust Agreement as it now exists or as it may be amended at the time of my death, notwithstanding that any such amendment or amendments may have been made subsequent to this Will. It is not my intention to exercise any power of appointment I may have, except as any such power of appointment may be specifically exercised. The receipt of the said Trustee under the said Trust Agreement shall be a full acquittance and discharge to my Personal Kepresentative for the property so distributed. Upon distribution to the said Trustee, the administration of my estate shall cease with respect to the assets passing to [he said Trustee, and the said Trustee shall not be subject to the control of any court in which my Will may be probated. (2) SAVINGS PROVISION If, for any reason, the aforementioned Trust Agreement shall not be in existence at the time of my death, or, if for any reason, a court of proper jurisdiction shall declare this transfer to the said Tmstee of the said Trust Agreement to be invalid, then I �lirect that the residuary � estate shall be held, managed, invested, and reinvested in exactly the sazne manner described in the said Trust Agreement, giving full effect to all of the then existing amendments to the said Trust Agreement, and the residuary estate shall be ma�aged by the same Trustee (or, as appropriate, the successor or successors therein named, as defined in that certain Trust Agreement). Thus, for those purposes, I do hereby incorporate that certain Trust Agreement by reference, into this, my Will. Notwithstanding the foregoing, if my Personal Representative has presumptive evidence that the reason the said Trust Agreement is not in existence at the time of my death is due to my intention and act to revoke the said Trust Agreement (by physical destruction ar otherwise), then it is my intention that my Personal Representative and any court of proper jurisdiction shall, in good faith, ignore the dispositive scheme called for under the said Trust Agreement, and instead, my estate shall be distributed in accordance with the controlling intestacy laws then in effect. ARTICLE V THE PERSONAL REPRESENTATIVE (1) NOMINATION I hereby nominate Edward F. Kessler as my Personal Representative. In the event that my Personal Representative is unable or unwilling to serve or to continue to serve in such capacity for any reason, then I nominate Wendy Louise Henry as the First Successor Personal Representative. In the event that Wendy Louise Henry is unable or unwilling to serve or to • continue to serve in such capacity for any reason, then I nominate Mary Ann Kessler as the Second Successor Personal Representative. 3 � (2) COMPENSATION Any Personal Representative shall be entitled to compensation which is allowed to Personal Representatives by the laws of the Commonwealth of Pennsylvania. Any Personal Representative shall also be entitled to reimbursement for any expenses necessarily incurred by any such Personal Representative in the administration of my estate. (3) BOND To the extent allowed by law, no Personal Representative shall ever be required to give bond or other security, to qualify, to make an accounting to any court under the provisions of any present or future laws of any state or territory, or to obtain the approval or order of any court in the exercise of any power or discretion herein given (unless otherwise provided in this instrument). ARTICLE VI THE POWERS AND DUTIES OF THE PERSONAL REPRESENTATIVE (1) GENERAL POWERS AND DUTIES My Personal Representative, or any successor, shall be governed by the appropriate provisions of the Pennsylvania Statutes, as amended, that are not in conflict with this instrument, � and shall have all of the additional powers and protection granted by statute to Personal Representatives. In addition to, but not in limitation of, any common-law or statutory authority, and without application to any court, the Personal Representative, or any successor, shall follow the directions hereinafter given and shall exercise, in the Personal Representative's sole and absolute discretion(unless otherwise provided in this instrument), the powers and responsibilities hereinafter given. The aforementioned shall also apply to any Trustee, at the time of application, with respect to any Trust Agreement created under this instrument. (2) INVESTMENT AND OTHER POWERS AND DUTIES With respect to both real and personal property, and for the purwses of obtaining funds for the payment of any debts, expenses of administration, taxes, payment of devises, and for making distributions, conversion into cash, management of property, and for every other purpose, my Personal Representative may acquire, retain, invest, reinvest, exchange, lease, sell, borrow, mortgage, pledge, transfer, and convey in any such manner, on any such terms, and at any such times, all without limit, as my Personal Representative may deem advisable (unless otherwise provided in this instrument), even if any such terms may extend beyond the expected administration of my estate. No person dealing with my Personal Representative shall be required to inquire into, or shall be held liable with regard to, the necessity or propriety of any transaction, nor as to the application of any money ar property paid or delivered in connection with any such transaction. • 4 • (3) POWER TO DISPOSE OF ESTATE ASSETS I hereby give to my Personal Representative the full power and ;�uthority, at any tnne, to sell, mortgage, pledge, exchange, dispose of, or otherwise deal with any property comprising my estate, upon any such terms as my Personal Representative shall deem advisable; to settle and compromise any and all claims in favor of, or against, my estate as my Personal Representative shall deem advisable; and for any of the foregoing purposes, to make, execute, and deliver any and all deeds, contracts, mortgages, bills of sale, or any other instruments necessary or desirable therefor. My Personal Representative is expressly authorized to postpone the final distribution of my estate pending the final determination of any tax liabilities in connection therewith. (4) PAYMENTS OR DISTRIBUTIONS TO MINORS In the event that there is to be a payment or distribution from my estate to a donee who is a minor at such time, then at such time, as my Personal Representative deems advisable, any such payment or distribution shall be made by my Personal Representative (i) to any such minor directly, (ii) to any such parent of the minor, (iii) to any such other person having custody of the minor, (iv) to [he legally appointed guardian, conservator, or committee of any such minor, or (v) to a custodian selected for any such minor under a Uniform Transfers to Minors Act (or similar or successor statute), whether or not the applicable custodian is selected by my Personal Representative or has already been serving as the said custodian. Ifthere is no such custodian, • the applicable custodian may be appointed by my Personal Representative, and any person or entity serving as my Personal Representative may be appointed as th�: said custodian (unless otherwise provided in this instrument). (5) CHARITABLE PLEDGES My Personal Representative may pay any pledges made by me in writing, if, in the discretion of my Personal Representative, I would have wanted such pledges paid. (6) TAX MATTERS (a) Tax Returns: I specifically authorize and empower my Personal Representative to execute and file any applicable income tax returns for the year in which my death occurs, and for any years prior thereto. I also authorize and empower my Personal Representative to execute and file any gift tax returns, if any such gift tax returns aze required for the year in which my death occurs, and for any years priar thereta My Personal Representative shall incur no personal liability far any action talcen in good faith in accordance with either of the foregoing authorizations. If I leave a spouse, my Personal Representative may file any joint income or gift tax returns with my surviving spouse. (b) Elections In GeneraL• My Personal Representative shall have the power to allocate to the income or the principal of my estate, in whole or in part, any of the receipts and the • disbursements of my estate, in my Trustee's reasonable discretion (unless otherwise provided 5 • in this instrument). It is my direction that any applicable property interests, which may be determined as a result of my Personal Representative's reasonable discretion, shall, in fact, be the interests that any such beneficiaries shall receive under this instrument. ARTICLE VII SIMULTANEOUS DEATH PROVISIONS (1) SPOUSE If my spouse and I shall die under such circumstances that there is not sufficient evidence to presumptively determine the order of our deaths, then it shall be presumed that my spouse shall have survived me, and my estate shall be administered and distributed in all respects in accordance with such a presumption (unless otherwise provided in this instrument). (2) OTHER BENEFICIARIES If any beneficiary, other than my spouse, and I shall die under such circumstances that there is not sufficient evidence to presumptively determine the order of our deaths, then it shall be presumed that I shall have survived any such beneficiary, and my estate shall be administered and distributed in all respects in accordance with such a presumption (unless otherwise provided in this instrui�nent). � ARTICLE VIII JOINTLY-OWNED PROPERTY If, at ttae time of my death, I am a joint owner, co-owner, or individual owner of any real estate, bank account, or savings account in any commercial bank or savings institution, bond, or any other security or instrument of indebtedness which is re�istered or issued in my name and that of another person or persons, or any other property held as i:enants by the entirety or as joint tenants with right of survivorship, or which is payable to either a co-owner or to the survivor of them, then I give, devise, and bequeath all of my right, title, and interest in any such property to the surviving joint owner thereof. It is my understanding that all of my right, title, and interest in and to any such property will gass to any such surviving joint owner or owners upon my death by operation of law, but I do, nevertheless, make these provisions in order to eliminate any question as to the right of any such surviving joint owner or owners to succeed to the ownership of any such property upon my death. ARTICLE IX RULES OF INTERPRETATION (1) HEADINGS The headings used in this instrument are for convenience only and shall not be resorted to for any interpretation of this Will. � 6 • (2) MISCELLANEOUS Whenever the context so requires, the masculine shall include the feminine and the neuter, the feminine shall include the masculine and the neuter, the singular shall include the plural, and the plural shall include the singular. If any portion of this Will is held to be void or unenforceable, the balance of this Will shall, nevertheless, be carried into effect. Alsq the provisions of this Will shall be interpreted pursuant to the laws of the Commonwealth of Pennsylvania, in which state I have made my domicile. IN WITNESS WHEREOF, I have affixed my signature to this, my Last Will and Testament, consisting of eight (8) typewritten pages, including the next page, on this ��day of ��:a rc 6i , 1996. ��...�.�. � �� Ruth C. Kessler, Testatrix SIGNED, SEALED, PUBLISHED, AND DECLARED by the said Ruth C. Kessler, as the Testatrix's Last Will and Testament, in the presence of the undersigned who, at the Testatrix's request and in the Testatrix's presence and in tt�presence of each other, have hereunto subscribed our names as witnesses thereto, this 7 day of_�/,y,cc,5� 1996. ' • Witnesses: Residence: � �.� � � _ /ro/� --�- � -- �� ` �� /to%� � � • AFFIDAVIT OF PROOF OF WILL COMMONWEALTH OF PENNSXLVANIA ) ) SS. COUNTY OF CUMBERLAND ) We, RuthC. Kessler, __�AmFS � .�,v>2 , (Witness) and ��i ��,�/� , the Testatrix and the (Witness) witnesses, respectively, whose names are signed to the foregoing Lasi. Will and Testament, being first duly sworn, do hereby declare to the undersigned officer that on the 2�' '�day of /'7,�. Y�! , 1996, the Testatrix signed, sealed, published, and declared the foregoing instrument as the Testatrix's Last Will and Testament; that the Testatrix signed the instrument as the Testatrix's free and voluntary act for the purposes therein expressed; that each of the witnesses, in the presence and hearing of the Testatrix, at the Testatrix's request, and in the presence and hearing of each other, signed the Last Will and Testament as a witness; and that to the best of the knowledge of each of the witnesses, the Testatrix was at that time eighteen (18) or more years of age, of sound mind, and under no constraint or undue influence. �, e �'-.�.�.�,- � Ruth C. Kessler, Testatrix `�. � W' ne � W itness SWORN TO AND ACKNOWLEDGED BEFORE ME by the Testatrix, Ruth C, Kessler, and sworn and acknowledged before me by _ L. . 7dz�w and -_��—, the witnesses, this �-G day of ,/ 1 � , 1996. G� T Notar Public My Commission Expires: Notarial Seal Pautine i Si.-�tass,NotarY PuhAc � Mif!urd Tw{�.,Bucks Counly A4y Cmrtnission Exp'v�Jan.27.7997 , �aiiaACSOdaVOn $