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06-26-13 (2)
J 1505610105 REV-1500 Ex 103-11)(FI) PA Department of Revenue pennsylvania OFFICIAL USE ONLY Bureau of Individual.Taxes INHERITANCE Code Year File Number HERITANCE TAX RETURN I I-' PO BOX 280601 /f ( ,I Harrisburg,PA 17128-0601 RESIDENT DECEDENT �(jl ENTER DECEDENT INFORMATION BELOW 10102/2012 03/18/1924 Decedent's Last Name Suffix Decedent's First Name MI Dederer Susan K (If Applicable)Enter Surviving Spouse's Information Below Spouses Last Name __ Suffix Spouse's First Name — MI ff I 1 Spouses Social Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW 40 1.Original Return O 2.Supplemental Return O 3. Remainder Return(Date of Death Prior to 12-13-82) O 4. Limited Estate O 4a. Future Interest Compromise(date of O 5. Federal Estate Tax Return Required death after 12-12-82) 6. Decedent Died Testate O 7. Decedent Maintained a Living Trust 1 8. Total Number of Safe Deposit Boxes (Attach Copy of Will) (Attach Copy of Trust.) O 9. Litigation Proceeds Received O 10.Spousal Poverty Credit(Date of Death O 11. Election to Tax under Sec.9113(A) Between 12-31-91 and 1-1-95) (Attach Schedule 0) CORRESPONDENT- THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: Name Daytime Telephone Number Stephen D Dederer P (717)448-2821 � 1r �RE'I.TER OF l�.S US�A�JL} CO 'O :2n First Line of Address � y fV Pr1 C5 rn C75 85 Hoover Road j cr n Second Line of Address ._.. _-.. .. _. .... ..... .. I DATE N City or Post Office State ZIP Code — co Carlisle PA 117015 ................._ Correspondent's e-mail address: Steveded @comcast.net Under penalties of perjury,I declare that I have examined this return,including accompanying schedules and statements,and to the best of my knowledge and belief, it is true,correct and complete.Sqrlaraton of preparer other than the personal representative is based on all information of which preparer has any knowledge. SIGN RESPO SI E FOR FILING RETURN DATE -46-13 / ' S/s<^w l.7 I�cQ« X14 IMi �i S�r�r1 tai y� ADDRESS �� loo✓cam QrA G.,- ��1�c �< /`7ofSt- SIGNATURE OF P P RER OTHER THAN FnESE14TATIUN DATE ADDRESS 100 Sterling Kri ite 200 Mechanicsburg, PA 17050 PLEASE USE ORIGINAL FORM ONLY Side 1 L 1505610105 1505610105 � � � � �� �r \b �� REV-1500 EX(Fl) ftife 3 Ftle Number Decedent's Complete Address. DE DENT'S NAME Susan K Declarer siii- --------- - 20 Keswick Drive Mechanicsburg sTtirE PA 17060 Tax Payments and Credits: 1, Tax Due(Page 2,Line 19) (1) 23,76&05 2. Creftmayments A.Prior Payments 2.0,000,00 B.Discount 3, Interest Total Credits(A+8) (2) 21,000.00 4. N Lim 2 is Water than Une I+Line 3,enter the difference, This is the OVERPAYMNT.E (3) RD to oval on Page 2,Une 20 to request a refund. (4) S. 9 lkfe i+Line 3 is grestor than Una 2,enter ft difference.This is the TAX DUE, (5) 2,768-05 Make check payable to: REGISTER OF WILLS,AGENT. 41" PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN"X"IN THE APPROPRIATE BLOCKS 1, Did decedent make a transfer and: yes NO a. retain the use or income at the property transferred......--...... ......... ❑ N b. retain the fight to designate who shag use the property transferred or its income ... ............... ❑ 0 c retain a interest ............ ...... [:) 8 d. receive the promise for life brother payments,benefits Of Cale? ❑ ■ Z If death occurred after Dec.12,I982,cfid decedent transfer property within one year of death winctut receiving adequate consirforaten?..—.........................................................-......--...... ....... ■ ❑ 3- Did deroodera own an'in trust W Or PSY36fo-oWn-deat h bank account o(seowify at his of her death?..,,.,...„... ❑ N 4. Did decedent own an individual relftement acownt,annuity or other non-probate property,which contains a beneficiary designation? —.--........... ......... ❑ IF THE ANSWER MANYOF THE ABOVE QUESTIONS IS YES,YOU MUST COMPLETE SCHEDULE GAND FILE IT AS PART OF THE RETURN. W , For dates of death on or after Juty 1.IM,and before Jan, 1,IM,the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is3pffoeM[72 PS.§9116(a)(1.1)(i)I For dates of death on or after Jan, 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the suprhfing spouse is 0 percent [72 IxS,§9116(a)(1.1)(it)].The statute does not exempt a transfer to a surviving spouse from tax,and the statutory requirements for disdosure of assets and fifing a tax return are still applicable even f the surviving spouse is the only beneficiary. For dates of death on or gill 1,2000: • The tax rate Imposed on the net value of transfers from a clecased child 21 years of age or younger at death to or for the use of a natural parent,an adoptive Parent Or a stepparent of the child is 0 percent[72 P.S.§9116(a)(1,2)], • Tha tax cafe imposed onthe netvagoa of transfers toorforifs use of the decederd's dal beneficanesis4.5 percent,except as noted in r72 P.B. • The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is 12 percent V2 P.S.§9116(a)(1,3)1+A sibling is defined, under Section 9102,as an individual who has at least we parent in common with the decedent,whether by blood or adoption. J 1505610205 REV-1500 EX(FI) RECAPITULATION 1. Real Estate(Schedule A). . ....... ..... ... .......... ... ... ...... .... .. 1. 2. Stocks and Bonds(Schedule B) .. ........ ..... ... . ..... .... ...... .... . 2. 69,461.18 3. Closely Held Corporation, Partnership or Sole-Proprietorship(Schedule C) ..... 3. ! 4. Mortgages and Notes Receivable(Schedule D). .... .......... .. . ... ...... 4. j 5. Cash,Bank Deposits and Miscellaneous Personal Property(Schedule E). .... .. 5. 200,670.00 6. Jointly Owned Property(Schedule F) O Separate Billing Requested ... ... . 6. : 107,500.00 7. Inter-Vivos Transfers&Miscellaneous Non-Probate Property (Schedule G) O Separate Billin g Requested 7 3 8. Total Gross Assets(total Lines 1 through 7). .. ._. ...... .... ..... . ... . .. 8. ! 540,854.21 9. Funeral Expenses and Administrative Costs(Schedule H). . .. ... .... ... ... .. 9. 8,062.55 10. Debts of Decedent, Mortgage Liabilities and Liens(Schedule 1).. ... . ..... . ... 10. 4,612.69 i 11. Total Deductions(total Lines 9 and 10).. .. . .. ... .. . .. . ... ... . 11. 12,675.24 1 12. Net Value of Estate(Line 8 minus Line 11) ... ... .. .... ... ... .... .. . ... .. 12. j 528,178.97 13. Charitable and Governmental Bequests/Sec 9113 Trusts for which an election to tax has not been made(Schedule J) . .......... ... . ..... .... 13. 14. Net Value Subject to Tax(Line 12 minus Line 13) .... ...... ... ...... ..... 14. 528,178.97 TAX CALCULATION-SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate,or transfers under Sec.9116 ----------- (a)(1.2)X.0_ 15. f 16. Amount of Line 14 taxable at lineal rate x.0 45 528,178.97 16. ! 23,768.05 17. Amount of Line 14 taxable � �at sibling rate X.12 ! 17. 18. Amount of Line 14 taxable at collateral rate X.15 ig_ 19. TAX DUE ... ..... ......... ... . .. ... ... ... ... . ... .. .. ..... .. .... ... 19. i 23,768.05 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT O Side 2 1505610205 1505610205 ni REV-1502 EX+ (12-12) IV. pennsylvania SCHEDULE A DEPARTMENT OF REVENUE INHERITANCE TAX RETURN REAL ESTATE RESIDENT DECEDENT ESTATE OF: FILE NUMBER: Dederer, Susan K All real property owned solely or as a tenant in common must be reported at fair market value.Fair market value is defined as the price at which property would be exchanged between a willing buyer and a wilting seller,neither being compelled to buy or sell,both haying reasonable knowledge of the relevant facts. Real property that is jointly-owned with right of survivorship must be disclosed on Schedule F. Attach a copy of the settlement sheet if the property has been sold. REM Include a copy of the deed showing decedents Interest if owned as tenant In common. VALUE AT DATE NUMBER OF DEATH DESCRIPTION 1. TOTAL(Also enter on Line 1,Recapitulation.) $ 0.00 If more space is needed,use additional sheets of paper of the same size. i REV-1503 EX-(8-12) s pennsy[vania SCHEDULE 8 INHERMEMOF TAXAE STOCKS & BONDS INHERITANCE TA%RETURN RESIDENT DECEDENT ESTATE OF - FILE NUMBER Dederer, Susan K All property Jointly owned with right of survivorship must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1' IBM,112.219 Shares,International Business Mahcines Corporation,CUSIP 4459200-10-1 po 23,564.87) on Stock E' XC,839.475 Shares,Exelon Corporation Common Stock,CUSIP#30161N101 �. 29J25,81$1 f 1 3 VRTS,8 Shares,Virlus Investment Partners,Inc.,Common Stock,CUSIP 492828Q109 694.08 Imo– P"�4 PNX,8 Shares,The Phoenix Companies,Inc.,Common Stock,CUSIP#71902E604 ^235.44 5 Ul S Savingrts Bonds-EE 15,240.98 r 4 I r i s. TOTAL{Also enter on tine 2, Recapitulation} g L-69,461.18 If more space is needed,Insert additional sheets of the same size REV-1508 EX+(o&z) Pennsylvania SCHEDULE E DEPARTMENT OF REVENUE CASH, BANK DEPOSITS & MISC. RESIDENT DE DECEDENT URN PERSONAL PROPERTY RESIDENT DECEDENT ESTATE OF: FILE NUMBER: Declarer, Susan K Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly owned with right of survivorship must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1.i iHousehold Goods r 7,014.00 L�2 IFumishings f 2,265.00 Furnishings 540.00 4, AmeriChoice Federal Credit Union#28790-Checking 2175 Bumble Bee Hollow Road,Mechanicsburg, PA' S71.g -'� - - 1 4 5 AmeriChoice Federal Credit Union#28790-CD 2175 Bumble Bee Hollow Road,Mechancisburg, PA 12,751.03 3 AmeriChoice Federal Credit Union#17938-Savings 2175 Bumble Bee Hollow Road,Mechanicsburg, PA k 48,064.22 71 AmeriCho' ice Federal Credit Union#17938-Checking 2175 Bumble Bee Hollow Road,Mechanicsburg, PA �71103,414.12 8i American General Life Services Co., LLC PO Box 15403 Amarillo,TX 79105 ` 14,778.86 g 2012 US Income Tax Refund Due r 3,247.00 10 2012 NJ Income Tax Refund Due r 6,966.00 11 �SHAP Credits(Special Health Assistance Provision) �- 360.48 12' Golden Living Discretionary Expense Refund ~ J 38.00 13 iEstate Dividends&Income f ri 658.45 I !: • TOTAL(Also enter on Line 5, Recapitulation) $ — 200,670.00 If more space is needed,use additional sheets of paper of the same size. REV-L5o9 EX+(03-io) pennsytvania SCHEDULE F DEPARTMENT OAR 30INTLY-OWNED PROPERTY INHERITANCE TAX RETURN FRIRN RESIDENT DECEDENT ESTATE OF: FILE NUMBER: Declarer, Susan K. If an asset became jointly owned within one year of the decedent's date of death,It must be reported on Schedule G. SURVIVING JOINT TENANT(S)NAME(S) ADDRESS RELATIONSHIP TO DECEDENT ArSuzanne Declarer 20 Keswick Drive Daughter Mechanicsburg,PA 17050 } JOINTLY OWNED PROPERTY: LETTER DATE DESCRIPTION OF PROPERTY % DATE OF DEATH ITEM FOR MINT MADE INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT NUMBER OR SIMILAR DATE OF DEATH DECEDENTS VALLE OF NUMBER TENANT JOINT IOEN IFYRNG NUMBER ATTACH DEED FOR XNNTI.Y NEW REAL ESTATE. VALUE OF ASSET INTEREST DECEDENTS INTEREST 1. A.� 01/06/97 AmeriChoice federal Credit Union�Savings 828790 14,587.68 I 50%1 7,290.64 i� t 2175 Bumble Bee Hollow Road,Mechanicsburg,PA 17055 1 t j 1 Tax of$328.08 previously paid byjoint account owner I F �2, A. j 11117109' 20 Keswick Drive,Mechanicsburg,PA 17050 215,000.00 107,500.00 F-1 L L �.. 5 F-1 _� .� El F TOTAL(Also enter on tine 6, Recapitulation) $ 571 '-_�00' I L1 If more space is needed,use additional sheets of paper of the same size. i REV-1510 EX+(08.09) pennsylvania SCHEDULE G DEPARTMENT OF REVENUE INTER-VIVOS TRANSFERS AND RESIDENT ED RETURN MISC. NON-PROBATE PROPERTY RESIDENT DECEDEM ESTATE OF FILE NUMBER Dederer, Susan K. This schedule must he completed and filed if the answer to any of questions 1 through 4 on page three of the REV-1500 is yes. ITEM DESCRIPTION OF PROPERTY NUMBER 1N°D°E THE NAME OF THE TPA REE,THEIR REUnaNS IP m DECEDENF um DATE OF DEATH %OF DECDS EXCLUSION TAXABLE TNEDATEOF TRMSFOR nTrRa�ETprrnTNE DEED FDRRUEESmtE. VALUE OF ASSET INTEREST IFn Ckml VALUE 1. Suzanne Dederer, Daughter,Cash, 1011/2012 50.000.00 100 3.000.00 47,000.00 2 Morgan Stanley IRA, Liquidation of Account was in progress at time of death, funds deposited to estate after date of death. 19.223.03 100 0.00 19,223.03 3 303 West 141h Street,Ship Bottom Boro,NJ 08004 Transfer/Sale of real estate to Steve Dederer,Son 9/19/12. Sale Price=$350,000 Appraised Value=$450,000 100,000.00 100 3,000.00 97,000.00 TOTAL(Also enter on Line 7, Recapitulation) $ 163,223.03 If more space is needed,use additional sheets of paper of the same size. REV-1511 Ex+ (10.09) pennsylvania SCHEDULE H �7 DEPARTMENT OF REVENUE FUNERAL EXPENSES AND INHERITANCE TAX RETURN ADMINISTRATIVE COSTS RESIDENT DECEDENT ESTATE OF - FILE NUMBER Dederer, Susan K. Decedent's debts must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL EXPENSES: rs-"----yam.._� {t..,.�.r_.._+.�_y.._ -c'_.�.--_-T-'t.••.:-'- . .__-_.++..� •�--. -, "__ _ "'-.""..::u'�....� —'---,cam _ s_ .=i 1�=-ssac'�n' -�-z:�,•�—�=?sss eter-�e`2:.s�z�.:-s.c:-..�... 1r� B. ADMINISTRATIVE COSTS: 1. Personal Representative Commissions: Name(s)of Personal Representatives) Street Address City State ZIP Year(s)Commission Paid: ± + 2. Attorney Fees: * . �• 3. Family Exemption:(If decedent's address is not the same as dafmam's,attach explanation.) 3,500A0 Claimant Suzanne Dederer street Address 20 Keswick Drive City Mechanicsburg state PA zip 17050 Relationship of Claimant to Decedent Daughter 4. Probate Fees: 327.50 S. Accountant Fees: 1,800. { - r b. Tax Return Preparer Fees: ., 485.00 z- Appraisal Fee 1,753.51 8.. legal�Expensses I Estate Administration X196.5.4+; TOTAL(Also enter on Line 9,Recapitulation) $# 8,08255 i If more space is needed,use additional sheets of paper of the same size. -,•J « . y V I REV-1512 EX+ (12-12) pennsylvania SCHEDULE I DEPARTMENT OF REVENUE DEBTS OF DECEDENT, INHERITANCE TAX RETURN MORTGAGE LIABILITIES & LIENS RESIDENT DECEDENr ESTATE OF FILE NUMBER Dederer, Susan K. Report debts Incurred by the decedent prior to death that remained unpaid at the date of death,Including unreimbursed medical expenses. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1• Medical 4,360.29 2. PA Individual income Taxes 199.00 3, AC Electric 39.18 4. Insurance 14.22 TOTAL(Also enter on Line 10,Recapitulation) $ 4,612.69 If more space is needed,Insert additional sheets of the same size. C r 1 e p.. a REV-1513 EX+(01-10) [ ]pennsytvania SCHEDULE ] DEPARTMENT OF REVENUE INHERRANCE TAX RETURN BENEFICIARIES RESIDENT DECEDENT ESTATE OF: FILE NUMBER: Declarer, Susan K 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[Include outright spousal distributions and transfers under Sec.9116(a)(1.2).[ I. Ross Dederer 1/8 Share Grandson 66,022.37 2. Greg Declarer 1/8 Share Grandson 66,022.37 3. Stuart Dederer 114 Share Grandson 132,044.74 4. Suzanne Dederer 114 Share Daughter 132,044.74 5. Steve Declarer 1/4 Share Son 132,044.74 ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18 OF REV-1500 COVER SHEET,AS APPROPRIATE. II NON-TAXABLE DISTRIBUTIONS A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN: 1. B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS: 1. TOTAL OF PART n - ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. $ If more space is needed,use additional sheets of paper of the same size. E Statement of Accounts AmeriChoice , 175 Rai„bit Isce li,now Road Oct 01, 2012 thru Oct 31, 2012 FEDERAL CREDIT UNION mcommic,bm”, VA 17055 Building Relationships For Life ""iclx+iccnr Account Number: XXXXXXX790 AddreSs Service Requcacd Account Balances at a Glance Share Drafts: 571.84 Savings: 14,584.16 Certificates: 12,751.03 SUSAN K DEDERER 20 KESWICK DR - - MECHANICSBURG PA 17050 New Relationship Reward Level is: General Page 1 of 2 if you have a Smarlphone or web-enabled cell phone,you can bank right in the palm of your hand anytime,anywhere with AmeriChoice's Mobile Banking! As an AmeriChoice member, Mobile Banking is a free service that is available on the go,wherever you are! For more information,visit www.americhoice.org. Did you know AmeriChoice offers Electronic Bill Payment? Paying bills has never been easier! Using Electronic Bill Payment,you can conveniently pay bills, review payment history,and much more! Log on to www.americhoice.org to learn more! REGULAR SHARE - 0001 Joint Owner:SUZANNE DEDERER Date Transaction Description Additions Subtractions Balance 10-01 Balance Forward 15,356.72 10-01 Withdrawal ACH MIDWEST LOAN SER -775.04 14,581.68 TYPE:MTG PMT CO:MIDWEST LOAN SER 10-03 SURRENDER SAFE DEPOSIT BOX 10-31 Deposit Dividend 0.200% 2.48 14,584.16 Annual Percentage Yield Earned 0.200%from 10/01/2012 through 1 013112 0 1 2 10-31 Ending Balance 14,584.16 Dividends Paid Year to Date 11.76 SHARE DRAFT- 0013 Date Transaction Description Additions Subtractions Balance 10-01 Balance Forward 571.84 10.31 Ending Balance 571.84 Dividends Paid Year to Date 0.00 Total for Total This Period Year-to-Date Total Overdraft Fees 0.00 30.00 Total Returned Item Fees 0.00 30.00 6 MONTH CERTIFICATE - 0060 Date Transaction Description Additions Subtractions Balance 1001 Balance Forward 12,751.03 10-31 Ending Ba lance 12,751.03 6 MONTH CERTIFICATE will mature on 11/10/2012 Dividends Paid Year to Date 28.56 Phone: (717) 697-3474 • Tall Free: (800) 240-4364 Fax Number: (717) 697-3713 i ri[ F e Choice Oct 01, 2012 thru Oct 31;,2012 j haniiIIIIIIIII r E D E R A L C R E D I T U N I O N Building Relationships For Life Page 2of2 Account Number: xxxxxxx790 VISA PAYMENT ACCOUNT - 0098 Date Transaction Description Additions Subtractions Balance 10-01 Balance Forward 0.00 10-31 Ending Balance 0.00 Dividends Paid Year to Date 0.00 YTD SUMMARIES TOTAL DIVIDENDS PAID REGULAR SHARE 11.76 SHARE DRAFT 0.00 6 MONTH CERTIFICATE 28.56 VISA PAYMENT ACCOUNT 0.00 Total Dividends Paid Year to Date 40.32 Statement of Accounts J AmeriChoice 2175 Bumble Bee Hollow Road Oct 01, 2012 thru Oct 31, 2012 F E D E R A L C R E D I T UNION Mcchanicsburg,PA 17055 Building Relationships For Life N%�%iv.arocrichoiec.org Account Number: xxxxxxx938 Address Sen•icc Rcqucslcd Account Balances at a Glance Share Drafts: 21,291.86 Savings: 48,073.62 SUSAN K DEDERER C/O STEPHEN D DEDERER 85 HOOVER ROAD CARLISLE PA 17015 New Relationship Reward Level is: General Page 1 of 2 If you have a Smartphone or web-enabled cell phone, you can bank right in the palm of your hand anytime,anywhere with Amerchoice's Mobile Banking! As an AmeriChoice member,Mobile Banking is a free service that is available on the go,wherever you are! For more information,visit www.americhoice.org. Did you know AmeriChoice offers Electronic Bill Payment? Paying bills has never been easierl Using Electronic Bill Payment,you can conveniently pay bills, review payment history,and much more! Log on to www.ameHchoice.org to learn more! REGULAR SHARE - 0001 Date Transaction Description Additions Subtractions Balance 10-01 Balance Forward 302,709.15 10-01 Withdrawal Transfer To Share 0014 -50,000.00 252,709.15 10-02 Withdrawal by Check -104,644.93 14 064.22 10-02 Withdrawal Home Banking Transfer To Share 0014 -100,000.00 48,064.2 Internet Home Banking Transfer 10-03 Deposit ACH US TREASURY 303 1,244.00 49,308.22 TYPE:XXSOC SEC AMT: 1,244.00 CO: US TREASURY 303 10-19 Withdrawal -1,244.00 48,064.22 RTRN ACH-10/3112-SOC SEC 10-31 Deposit Dividend 0.200% 9.40 48,073.62 , Annual Percentage Yield Earned 0.200%from 10/01/2012 through 10/31/2012 10-31 Ending Balance 48,073.62 Dividends Paid Year to Date 81.84 SHARE DRAFT - 0014 Date Transaction Description Additions Subtractions Balance 10-01 Balance Forward 2,457.68 / 10-01 Deposit ACH FIDELITY INVESTM 1,206.44 3,664.12 TYPE: PENSION AMT: 1,206.44 { CO: FIDELITY INVESTM 10-01 Deposit Transfer From Share 0001 50,000.00 53,664.12 10-01 Draft 002495 -50,000.00 3,664.12 10-02 Draft 002496 -250.00 3 4 10-02 Deposit Home Banking Transfer From Share 0001 100,000.00 103,414.1 I Internet Home Banking Transfer 10-04 Draft 002492 50,000.00 53,414.12 l 10-04 Draft 002493 -25,000.00 28,414.12 10-04 Draft 002494 -25,000.00 3,414.12 1 10.09 Withdrawal ACH LIBERTY MUTUAL -10.50 3,403.62 TYPE: PAYMENT CO: LIBERTY MUTUAL 10-09 Withdrawal ACH LIBERTY MUTUAL -50.00 3,353.62 TYPE: PAYMENT CO: LIBERTY MUTUAL 10-11 Withdrawal ACH ATLANTIC CITY EL -78.35 3,275.27 TYPE: DIRECT PAY CO:ATLANTIC CITY EL Phone: (717) 697-3474 • Toll Free: (800) 240_4364 Fax Number.: (717) 697-3713 AmeriChoite Oct 01, 2012 thru Oct 31,7012 , F E D E R A L C R E D I T U N I O N Building Relationships For Life Page 2of2 Account Number: xxxxxxx938 SHARE DRAFT - 0014 (Continued) Date Transaction Description Additions Subtractions Balance 10-18 Deposit ACH MORG STAN IRA 19,223.03 22,498.30 TYPE: IRA PYMT CO: MORG STAN IRA 10-22 Withdrawal ACH FIDELITY INVESTM -1,206A4 21,291.86 TYPE: REVERSAL CO: FIDELITY INVESTM 10.31 Ending Balance 21,291.86 Dividends Paid Year to Date 0.00 Cleared Check Summary Number Date Amount Number Date Amoun Numbe Date Amoun t 002492 10.04 50,000.00 002493 10.04 25,000.00 002494 10-04 25,000.00 002495 10-01 50,000.00 002496 10.02 250.00 (•indicates skip in check number sequence.) 5 Drafts Cleared for 150,250.00 Withdrawals and Other Charges Date Arnoun t Description Date Amount Description 10-09 10.50 Withdrawal ACH 10-11 78.35 Withdrawal ACH 10-09 50.00 Withdrawal ACH 10-22 1,206.44 Withdrawal ACH 4 Withdrawals and Other Charges for 1,345.29 Deposits and Other Credits Date Amount Description Date Amount Description 10-01 1,206.44 Deposit ACH 10-18 19,22103 Deposit ACH 10-01 50,000.00 Deposit Transfer 10-02 100,000.0 Deposit Home Banking Transfer 0 4 Deposits and Other Credits for 170,429.47 20 KESWICK DR PAYMENT ACCOUNT - 0057 Date Transaction Description Additions Subtractions Balance 10-01 Balance Forward 0.00 10115 0057.20 KESWICK DR PAYMENT ACCOUNT Closed This is the final statement you will receive for this account'" •"Please retain this final statement for tax reporting purposes Dividends Paid Year to Date 0.00 YTD SUMMARIES TOTAL DIVIDENDS PAID REGULAR SHARE 81.84 SHARE DRAFT 0.00 20 KESWICK DR PAYMENT 0.00 !E ACCOUNT t Total Dividends Paid Year to Date 81.84 Total Interest Paid Year to Date 0.00 t t k f Statement of Accounts AmeriChoiee 2175 Bumble Bee Hollow Road Nov 01, 2012 thru Nov 30, 2012 Itt� FEDERAL CREDIT UNION Mechanicsburg,PA 17055 Building Relationships For Life www.ameichoice.org Account Number: xxxxxxx938 Address Service Requested Account Balances at a Glance DOD04 SUSAN K DEDERER C/O STEPHEN D DEDERER 65 HOOVER ROAD New Relationship Reward Level is: General CARLISLE PA 17015512 P Page 1 of 2 Need a little extra cash this holiday season? 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REGULAR SHARE - 0001 Date Transaction Description Additions Subtractions Balance 11-01 Balance Forward 48,073.62 11-01 Deposit Transfer From Share 0014 21,291.86 69,365.48 11-01 Withdrawal by Check -09,360.00 5.48 11-21 Deposit Transfer From Share 0014 1,145.94 1,151.42 11-21 Withdrawal by Check -1,151.42 0.00 11/21 0001-REGULAR SHARE Closed " This is the final statement you will receive for this account"' " Please retain this final statement for tax reporting purposes Dividends Paid Year to Date 81.84 SHARE DRAFT - 0014 Date Transaction Description Additions Subtractions Balance 11-01 Balance Forward 21,291 86 11-01 Withdrawal Transfer To Share 0001 -21,291.86 0.00 11-05 Deposit ACH FIDELITY INVESTM 1,206.44 1,206.44 TYPE: PENSION CO: FIDELITY INVESTM 11-05 DEP PRENOTIFICATION FROM FIDELITY INVESTM 11-07 Withdrawal ACH LIBERTY MUTUAL q-1,145.94 1,195.94 TYPE: PAYMENT CO: LIBERTY MUTUAL 11-07 Withdrawal ACH LIBERTY MUTUAL 1,145.94 TYRE: PAYMENT CO: LIBERTY MUTUAL 11-21 W thdrawal Transfer To Share 0001 0.00 11121 0014-SHARE DRAFT Closed " This is the final statement you will receive for this account"' wfo I <era r 'Please retain this final statement for tax reporting purposes"' �e /_-^ - Dividends Paid Year to Date 0.00 161•ov cr i'i Withdrawals and Other Charges Date Amount pascription Date Amoun Description 11-01 21,291.86 Withdrawal Transfer 11-07 50.00 Withdrawal ACH 11-07 10.50 Withdrawal ACH 11-21 1,145.94 \Mthdrawal Transfer 4 Withdrawals and Other Charges for 22,498.30 t Phone: (717) 697-3474 • Toll Free: (800) 240-4364 • Fax Number: (717) 697-3713 SHARE DRAFT RECONCILEMENT . . • THIS FORM IS PROVIDED TO ASSIST YOU IN BALANCING YOUR DRAFT ACCOUNT PERIOD ENDING DRAFT NUMBER AMOUNT DF6 F7 NUMBER I. SUBTRACT FROM YOUR DRAFT REGISTER ANY CHARGES LISTED ON THIS DRAFT STATEMENT WHICH YOU HAVE NOT PREVIOUSLY DEDUCTED FROM YOUR BALANCE.ALSO AM ANY DIVIDEND, 2. EIRESDRA17SAI.ANCE Sim"ON THIS $TNTWEN"IERE 7- QJ + 3, ENTER rEPCGr MADE LATCR THAN 4 TOTAL $ CZ PLUS 3Y 4, W ALL T'itaMPPIDANOVAREA N, 'MS 1W.QVNTRHOULD EO.W-YOUI GRAFT- TOTAL f IF YOU DO NOT BALANCE VERIFY ADDITIONS AND SUBTRACTIONS—ABOVE A'.40 IN YOUR DRAFT REGISTER COMPARE THE DOLLAR AMOUNTS OF DRAFTS LISTED ON THIS STATEMENT NTH THE DRAFT AMOUNTS LISTED IN YOUR DRAFT REGISTER COMPARE THE DOLLAR AMOUNTS OF DEPOSITS LISTED ON THIS STATEMENT WITH THE DEPOSIT AMOUNTS RECORDED IN YOUR DRAFT REGISTER YOUR BILLING RIGHTS-KEEP THIS NOTICE FOR FUTURE USE CrC Me FAR Crack Wft AXt. NCkTTm` US IN CASE OF ERRORS OR ODE STIONS ABOUT YOUR STATEMENT. Aho,wo nockmake,your"a" Manuel try to artifact any ethernet you,annestion,or if you obuk your nuensom IS wmarm or If you mud more infomottion idenift, a Report you as deltrummid,we park continue to Read instrammas in year for the amount transaction an your Statement.vaut,us One andarstarta Mrsh W.AmeriGhoice ECU. . you Imostlork. Including finance changes, Inal sas can apply arty unpaid amount FCBA,P.O.8.1429,aink"hicaturn,l,PA 17055,Wifto to.as Soon ark vocsRus.We ii,strad,your client limit.Yw do nat.harka,to pay arry,questioned amount rant aid mot orma froun yan houths-flum wdays ww"wm you the IrRict,lifirk Minsillmong.put you She all)[obipaurs,in my the peak Of your Statement mant are nut mxoratpraakm epw�.Y-afent"Nothro'cus,but dome Ne�nXh Mmis. Menstruation. In your later give us the folfterving Information: If you I'Mrs that we outdo a mithatiff an your statemkohn,your will M hame,to say any •Your name and account mantrin, finance,Momes mones to any questioned armand,if"didn't make,a mistake,you •The dollar wainatat of the suspected twor may have to pay finance Charges and you will larric to mesa kip any missed • DariMbe Me Into,one munsilm,11 you San,son,you MrRess mine Is An contaminate on the Intermarried achroum.in fisher casks,sh,will send SIR.,a anderhourf od afw a W. hard! ..a talamiatkin, dookinflose the Rim your . ma MarmarkadokicarskinalmaclammaIRISdo. a.how, If you foil 10 pay Me tamarisk that we think yen Rose."may Ireland YOU 05 d6flamorn. It you hmrs,imthortnedl tip to pay your CREDIT CARD Account apdokrrfm• Haskinkrep,it our es musalork does not wilsh,you end you wife to is vwMM Son days iCalty from your Share account. omit Account, or through payroll telling ra,mort you salumautake liforry,"must cell e,lyaRlp that kanvorl you to that you deduction, you can stop the payment on any amour you mfm,� IS have a andesdon afloarot your Statement And Xn,mind tell your the hirfam of anyone we wrong.TO Stop me,payment, yous,we,most reach in in."Move repeated Sam to.We mot ads ruaXs",that—reach Ins,to MR,me matter no,war data before ITS, milanutfic furryound Is scherairded to ace,. YOUR knotheo behokeirk tras arlson 4 lawkily is RIGHTS AND OUR RESPONSIBILITIES AMR WE RECEIVE YOUR WRITTEN NOTICE.We mot knumandedifir your letter v011ank 30 it.don't folloa,Made wass.. n*t collect Me AM$50 of the inoduromd ahhskam� days, unto,no have Co dated the ants by Man.Within 90 Mass.we inch if your Statement"a con'thu. SPECIAL RULE FOR CREDIT CARDS U you have a johnoicur With the quess,of pmeasny far firskove,that Saw palhasked with a credit card." mar ause,had in thand farm to achavail the Tuatfush with the imentionii,you noy,arkshor the ludd M to M the camuldst;amount due do Me property w serHaft.Trans ars,Win OMiattINla an this light:(a)You mot have minde,the muchooke M your,fireame suro.or,If net McNin your Maine theark irramn HIS,nums of your cumad memo address,and(le,The humpourn,Mass,mot haw been mon,train$50.Them limitations do not apply 0 had com or offmark,the Merchant,us v iiae miland you due aCMikamonl tar the property at sks-irapars., AM ERICHOICE FEDERAL CREDIT UNION ERROR RESOLUTION NOTICE In Ca"of&,mrs a,Durations About Atur Sufachitinic Therart.Tehromana,.to(80)240-4304 OR{117)69-741474 V WrIto use,PA.BOX Mn,Mahar arcing.Jay,I TOSS as fro urn as you cam,0 youtheu,your surnprom.nackilout Is arming w it you ruseek;.milarrandlicut sixtut a transient,hated M the surfamm causcalm.WS,mot him,RIM,yon ma haw man so days mm,are akkm the FIRST sluareashan on which the inamplark,w Raw appeared. (1)Tell ua your mine And accounts number(if any). (2)Orntemm the error or Mot transferyou am unamir Men.and aspirin a,clearly as WN can why you prWiteso it is an Moor or why you mind moral,information. (a)Tell name dolwannorkart of Maskuhmaresso turner. IT you top viscroyWo May muse that you theap oymrwm WAI an consent mrkruskii Wharf,lotacques;dx^Ark,s011 defuramins,vfimher an ameartackmoner"arm,10"In.daystrilan, ,nftComRXft It M need montane,hornersel.ve meaftilt,aralk,45 IT nsomorden,domisk.,,,1110mist' you,account XdmIrk 10 hoacks,days for the emounu That mfr,ISM mar.so that yout stiff foods,ushoofear money duang the time it takes kat to complete our Investigated.if""k W.to out yourcomplaird or questron,in visand;San"do not accurate 4 auhin 10 ansmersaishlys,we may hat events yowfackskurs.For unions i.Ming reavoocarms,okemnelkfale,oriomlOMnitiated Mampectiont.taw may lose up to 90 days to finneffigarn,your cmiketatint Xr,marstion.For new oxame,in,may to"lip to 20 business drys(*Much your accound for the ampurat your think Is Inamor We MR had to.intercalate,autant Mrs borstruser am attar Cemple hV mr,1laonigation,awe Ramada mot Mono tricks no omnx,We mil that you p,Xlom Ymu dory mar,tar Itopun, of the domanems IW an knound In.1 hareshfurchim. Z"'ally inumal ru fee,$V"-ux) and b.1.1 hr ffi,1.11 Ruth and Mail,&Mr,Umhak Stira,R."'arm'. N C' UA National Orkaill thuou Adpiliftnotitur.ft U.S.(mv,nmonat Agtakey Sql (�t(5 Tax Parcel No. 38-08-0567-449 DEED IIIIIillllllllilllllll Ste— III III MADE the day of 0✓C , 2009, OOOYFY BETWEEN MAX D. MARBAIN, an adult individual, record owner; and MARBAIN ASSOCIATES, LTD., a Pennsylvania limited partnership, equitable owner (together "Grantor"), AND SUSAN K. DEDERER, an adult individual, and her daughter SUZANNE M. DEDERER, an adult individual, as joint tenants with rights of survivorship and not as tenants in common ("Grantee"). WITNESSETH That the Grantor, in consideration of ONE DOLLAR ($1.00); paid by the Grantee to the Grantor, the receipt whereof is hereby acknowledged, does hereby grant and convey to the Grantee: ALL THAT CERTAIN Unit in the planned community known as "Evergreen II, A Planned Community" located in Silver Spring Township, Cumberland County, Pennsylvania, which property was submitted to the provisions of the Pennsylvania Uniform Planned Community Act (68 Pa. C.S.A. §5101 et seq., as amended) by the recording of a certain Declaration of Covenants and Restrictions for Evergreen ll, A Planned Community (the "Declaration") dated January 22, 2007 and recorded in the Office of the Cumberland County Recorder of Deeds in Miscellaneous Book 733, Page 3909, as subsequently amended by First Amendment to Declaration dated September 15, 2008 and recorded to Instrument No. 200831449 (together, the "Declaration"), being designated therein as Unit No. 59, i and as depicted and more particularly described on the First Amended Declaration Plats and Plans attached to the First Amendment to Declaration as Exhibit A-1 thereto. ALSO BEING Lot No. 59 on the Final Subdivision Plan Phases Two, Three, Four Evergreen II prepared by Alpha Consulting Engineers, Inc. dated April 12, 2007, as subsequently revised and recorded in the Office of the Cumberland County Recorder of Deeds to Instrument No. 200737889 (the "Plan"). THE SAID LOT CONTAINING 6,519 square feet, more or less. BEING part of the same premises which Barbara J. Enck, single person, by deed dated April 5, 2000 and recorded in Cumberland County Deed Book 218, Page 926, granted and conveyed unto Max D. Marbain, record owner. AND the said Max D. Marbain entered into a certain Agreement of Sale dated June 30, 2006, effective as of July 1, 2006 with Marbain Associates, Ltd., a memorandum of which is recorded in Miscellaneous Book 728, Page 2316. TOGETHER with the Allocated Interest appurtenant to the Lot as more particularly set forth in the Declaration, as amended from time to time. ALSO TOGETHER WITH the right to use a perpetual six-feet wide easement located on Lot 58 and extending along the common boundary between Lot 58 and Lot 59 for purposes of. (1) maintenance of the side wall of the house located on the herein- described Lot; and (2) water runoff from the roof of the house located on the herein-described Lot. UNDER AND SUBJECT to a perpetual six-feet wide easement located on Lot 59 and extending along the common boundary between Lot 59 and Lot 60 (the "Adjoining Lot") for purposes of, (1) maintenance of the side wall of the house located on the Adjoining Lot; and (2) water runoff from the roof of the house located on the Adjoining Lot. Grantee acknowledges and agrees that the said easement area shall be kept clear of structures and vegetation. FURTHER UNDER AND SUBJECT to terms and conditions set forth in the Declaration and to all other covenants, conditions, restrictions, rights-of-way, easements and agreements of record and to matters which a physical inspection and survey of the Lot would disclose. THE GRANTEE, for and on behalf of the Grantee and the Grantee's heirs, personal representatives, successors and assigns, by the acceptance of this deed, covenants and agrees to pay such charges for maintenance, repair, replacement and other expenses in connection with the Common Facilities, as may be assessed against him, her, them, it, or against the said Lot, from time to time by the Executive Board of the Evergreen II Homeowners Association in accordance with the Pennsylvania Uniform Planned Community Act, 68 Pa. C.S. 5101 et seq. (the "Act'), and further covenants and agrees that the Lot conveyed by this deed shall be subject to a lien for all amounts so assessed except insofar as Section 5407(c) of the Act may relieve a subsequent Lot Owner of liability for prior unpaid assessments. This covenant shall run with and bind the Lot hereby conveyed and all subsequent owners thereof. AND the Grantor shall and will SPECIALLY WARRANT the property hereby conveyed. IN WITNESS WHEREOF, the Grantor has caused this Deed to be executed as of the day and year first written above. WITNESS: GRANTOR: Max D. Marbain and MARBAIN ASSOCIATES, LTD., a Pennsylvania limited partnership WITNESS: By: MARBAIN MANAGEMENT, LLC General Partner f By Max D. Marbain, Manager COMMONWEALTH OF PENNSYLVANIA SS: COUNTY OF CUMBERLAND On this, the 1156 day of 2009, before me, a Notary Public, the undersigned officer, personally appeared MAX D. MARBAIN, known to me (or satisfactorily proven) to be the individual who executed the foregoing instrument, and duly acknowledged to me that he executed the same for the purpose therein. IN WITNESS WHEREOF, I have hereunto set my hand and official seaf. COMMONWEALTH OF PENNSYLVANIA Notarial seal Notary Public Anna Marie Mader,Notary Public ry Hampden Twp.,Cumberland County My Commission Expires Aug.16,2012 Member,Pennsylvania Association of Notaries COMMONWEALTH OF PENNSYLVANIA SS: COUNTY OF CUMBERLAND On this, the 1 1 day of'_ , 2009, before me, a Notary Public, the undersigned officer, personally appeared Max D. Marbain, who acknowledged himself to be the Manager of Marbain Management, LLC, a Pennsylvania limited liability company (the "Company"), said Company being the sole General Partner of MARBAIN ASSOCIATES, LTD., a Pennsylvania limited partnership (the "Partnership"), and that he as such Manager, being authorized to do so, executed the foregoing instrument for the purpose therein contained by signing the name of the Company by himself as Manager in the Company's capacity as General Partner and as authorized by the Partnership. IN WITNESS WHEREOF, I have hereunto set my hand and official seal. COMMONWEALTH OF PENNSYLVANIA Notarial Seal Anna Marie Mader,Notary Public — Hampden Twp.,Cumberland County Notary Public My Commission Expires Aug.16,2012 Member,Pennsylvania Association of Notaries I hereby certify that the address of the Grantee is: 20 Keswick Drive Mechanicsburg, PA 17050 AttbrneyAg6ht for Grantee ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY ; 1 COURTHOUSE SQUARE CARLISLE, PA 17013 717-240-6370 Instrument Number-200939827 Recorded On 12/1/2009 At 9:44:05 AM *Total Pages- 6 *Instrument Type-DEED Invoice Number- 56818 User ID-KW *Grantor-MARBAIN,MAX D *Grantee-DEDERER, SUSAN K *Customer-ABSTRACT CO *FEES STATE TRANSFER TAX $2,136.35 Certification Page STATE WRIT TAX $0.50 STATE JCS/ACCESS TO $10.00 DO NOT DETACH JUSTICE RECORDING FEES - $12.50 This page is now part RECORDER OF DEEDS PARCEL CERTIFICATION $10.00 of this legal document. FEES AFFORDABLE HOUSING $11.50 COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 CUMBERLAND VALLEY $1,068 .18 SCHOOL DISTRICT SILVER SPRING $1,068.17 TOWNSHIP TOTAL PAID $4,322.20 I Certify this to be recorded in Cumberland County PA ay ICU RECORDER O D DS tmo "-Information denoted by an asterisk may change during the verification process and may not be reflected on this page. OOOYFY I II II IIII III IIII r _. � _ ` 5 s I SEP-t9-2012 WED 1059 AM AAA CENTRAL, PENN C.H. FAX N0, 7177630507 P, 02 09114/2012 11:53 86939'37669 KEVIN J BARRE5 � PAGE 61163 A.Settlement statement (HUD-1) (ante App7DVat ND.zux R. pC ta*n .s.FIk Numtdr. 7_tggn NuM1w 0.MgO* w inum0e G0a NumOeA t1.0 H2 m$ 3.m Cof.ueim 4.D VA 8.t7 Corti,wo' k-256039 xoaftoal Q#lots:This 2amm is twoMod m OW yon a etat01rgnt of ft WW sahknswrt COM AOw3Mta Palo to and Dy ft UhWv*nt*Wt era stW*M Items Ma*ad O.Cy were pAW dubift iM d"ft;thoy too stiox"hm Aar mfamtegertal Pamp9o*400 we not Maiugad M sre taste. 0.Mama 6 Aggleas.N4tdY0awr. E Nama'73 Aqd oil of nom: F.N*M O AOgl86s of t bng97: SOOpban D. Deftrer $OaaA t(. Denarar "ichorc Pimnelal sarvices TAPbo4y E. DedaL'wr 303 Neat 14th Btmot 215 Littleton 1(044 as Rove Avv=c ship 90ttam, MIT 08008 Morris Pls ac, w 07950 Csrliala, PA 17018 G,Pmpoatr Lorabom H.SatiibrBaOtR9srit "TIN; 703 Neat 14th EL1e*4t Xsvin J. 2sr3ma, ErA3 Lra Ship Hat%cm se%c. W 08005 '80% ApDOYY Avgmo. Mdt4 5o0 PAoow"(b09t 300-7882 O4mn Cityy, 92' D8226 tot: 2 PIW Of sallienlant L60MIO 6111Dates !11912012 801 Aeburt AYS ' MW.GO 109 block, so CAW ,Sty, Ili 08236 Fundsab Dane: 9/19/2012 d.Stm/mry at0crrw+tr'aTre*macgpn lS.&tart _. 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Or Amt mo I " 09.464,2 ,....�F LO artAC 205. 505.P sif ataawrd m 1=4 200, 609.Overnight ra t 28.00 20L - 007. 200, 68s. 204- soft. - Ad}uotmants for items ummW by sonar Aq uas116hu far XW4 unpaid by bebar PtO.C55=tvat8 510.CglrAV,uft 14x89: ro to 211.00Or4 Wa 1, 611,GOOAly tally: 10 to 212.hs*e4sro*MD 842,Atntmtl t*9te: 10 t0 21S.savor Ad3u0rs>wnta 101.20 813,powhr Ad3uatvaa" 201.20 215.- 614, 210. Sib. . 218.Taxce Cvrreyt V"r $4759.9 ats. NO w Cw t Y44z"4400 217,pea Dian 012100513 - bit-par Dies $0.76SO3 215.961L" 0*44 #3531.26 Dis,soilar mid 00 Zia 6*116r OwCa 263 days s19,5611ew bwaa 20 d+Ya . 224.Tema 'so fidr l3orrowaf 200x101.20.820.TOtaE lbduognp Amoa+OtDUO Seser T7,lOD.d 3012.COSn At SOWA MMit FroMlT6 6anewer .+.. .,..._. ...,........�...�_.. .. i . . 1. W SEP-19-2012 WED 11;00 AM AAA CENTRAL PENN C.N. FAX NO. 7177830507 P. 03 99/1912012 11:63 b@93997999 KEVIN J BARES ESQ PAGE 02193 LSetdmaentcharges F31aNum4or.W-250039 tawlfUmO0f,29e9041 00.Tow Put Esiato stoker Fees paid From Paid Prom .n of com wftn Mo 7 as fofow BortOxmxmYS Seam's 701. to - Fins a Fv4s at 704• to SatOament fitltknu0t 707.CgnMaakn a!ataat0emettl �� 704. H40.IGins Ittc to 0.mft-ooqon With Loan 901,our ad inatim Oh 462.50 G1FE'M on YVA aim ot attt w the a Ifi4 intafast rata head 40040 kom GFEtiM 8n4. .TOW adpJa10at 0t�iMtNn aha I�eolOhCet Slnae01a1 eax*rioas OIR6 2.3$2.80 E04. Taal tea to rag0u0e Z, mem 433.00 80&Cmd4 ta0on to= e iii from 1914C an Tat aarwlento rirst Ameriem aaal Lmn GFE 66.30 80?.Flood gxVRnllan xa ti"t r4wicom, Plood GFEaO 3,3,50 00e,wire Trmxarer 74a FIX.so o wells: tinamiAl Moto OFE 03 009,' o t%tat44 cowml FI:e $106-to an217111s 4 2a 0 1 OFE 010. licatum 7ft wis to nnichatt FIri4nSiL a3 811.commitmm+x fte 275 to 14dSahaxt F inl Iko"s 9"41MI ft klmder To Be Md h Advance 804. 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IN TESTIMONY WHEREOF, I have hereunto set my hand and affixed the seal of my office on the 9th day o/Octobet 2012. IndoicInAga ry **NOTE** ALL NAMES ABOVE APPEAR (FIRST, MIDDLE, LAST) r �� I, SUSAN K. DEDERER, of the Township of Upper Allen, Cumberland County, Pennsylvania, being of sound and disposing mind, memory and understanding, do hereby make, publish and declare this as and for my Last Will and Testament, h��ereby e revoking and making void any and all wills by me at times,, r, z WS C- heretofore riade. FIRST. I order and direct that all my debts an(t' unera- a.f� expenses be paid by my Executor or Executrix as the case maybe, ' hereinafter named, as soon as conveniently may be done after my decease. S, ECOND. I give, devise and bequeath all the rest, residue and remainder of my Estate, real, personal and mixed, whatsoever and wheresoever situated, unto my husband, JOHN D. DEDERER, absolutely and in fee simple, if he survives me by as many as sixty (60) days. THIR D. If my husband, JOHN D. DEDERER, should not survive me by as many as sixty (60) days, then and in that event, I give, devise and bequeath three-fourths (3/4) of my Estate in equal shares unto my children, namely, STEPHEN D. DEDERER, PHILIP C. DEDERER and SUZANNE M. DEDERER, share and share alike, absolutely and in fee simple_ Should any of my said children predecease me and leave lawful issue to survive them, I order and direct that the share or part of my Estate which such deceased child or children would have received hereunder had he, she u,. they survived me, be distributed unto the issue of such deceased child or children, per stirpes by representation and ,iot per capita. FOURTH. If my husband, JOHN D. DEDERER, should not survive e by as many as sixty (60) days, then, in that event, I give, (pw OfIMCG sNCZeArccN, devise and bequeath one-fourth (1/4) of my Estate in equal pafrvNYHAN a se.flE i{ I shares unto my grandsons, ROSS WILLIAM DEDERER and GREGORY LEE DEDERER. In the event the surname of ROSS WILLIAM DEDERER or GREGORY LEE DEDERER is changed in any way (including the use of hyphenation) from the surname "Dederer", then his respective share shall lapse, In the event either ROSS WILLIAM DEDERER or GREGORY LEE DEDERER should predecease me, fail to survive me by as many as sixty (60) days or has a change in surname as explained hereinabove, then the share of said grandson shall pass to the survivor of the two. In the event both ROSS WILLIAM DEDERER and GREGORY LEE DEDERER predecease me, fail to survive me r by as many as sixty (60) days, or have a change in surname as explained hereinabove, then the one-fourth (1/4) share of my Estate shall lapse and shall be distributed equally among my surviving children and their issue as set forth hereinabove. FIFTH Should ROSS WILLIAM DEDERER or GREGORY LEE DEDERER be entitled to any portion of my estate prior to reaching thirty (30) years of age, then each of their respective shares shall be placed in a separate trust to be delivered unto STEPHEN D. DEDERER as my testamentary Trustee, IN TRUST, NEVERTHELESS, to hold, manage, invest and reinvest for the use of said beneficiary in a separate trust under the terms and conditions set forth below. A. To use, consume, expend and apply from time to time such amounts of income and principal as the Trustee in his sole discretion, shall determine to be appropriate for the medical and educational needs of the trust beneficiary; B. I designate any trust hereunder to be a spend- lhrift trust. The beneficiary Shull have 00 right to invade, pledge, assign or otherwise dispose of 4.w o e sNer-a.;e�N, the assets (including income) of said trust nor en[NNCMwN as'°"` shall any creditor of any beneficiary have any right to seize, levy or execute upon _2_ said assets; and C. Upon said beneficiary attaining the age of thirty (30) years, I order and direct that the trust shall terminate and the net balance of principal and accumulated income shall be distributed to .~ said beneficiary, absolutely. Should the principal of the Trust herein be or become too small in the Trustee's discretion so as to make establishment or continuance of the Trust inadvisable, the Trustee may make immediate distribution of the remaining net principal and accumulated income outright to the beneficiary and if the beneficiary is a minor, distribution may be made to the appropriate Guardian, at which time the Trust shall terminate. In the event STEPHEN D. DEDERER should predecease me or fail to act as Trustee, I nominate and appoint PHILIP C. DEDERER as alternate Trustee hereunder. In the event PHILIP C. DEDERER should predecease me or fail to act as Trustee, I nominate and appoint SUZANNE M. DEDERER as alternate Trustee hereunder. SIXTH. Should any beneficiary other than ROSS WILLIAM DEDERER or GREGORY LEE DEDERER share in my estate when less then thirty (30) years of age, I order and direct that the distributive portion of my Estate attributable to said individual beneficiary shall be paid over and delivered unto STEPHEN D. DEDERER, as my testamentary Trustee, and placed in a jeparate Trust, IN TRUST, NEVERTHELESS, to hold, manage, invest and reinvest for the use and benefit of said beneficiary upon the following terms and conditions: A. I authorize my said Trustee to pay so much of ((( the income arising thereon together with so -much of the principal thereof as in the 5"a�bnK4rt. I( opinion of said Trustee is necessary or a SvnP¢ -3- r { desirable to be expended for the support, maintenance, health and education of said beneficiary to the proper payee, including any Guardian of said beneficiary, for such purposes. B. During the existence of the said Trust, I order and direct that the beneficiary thereof � shall be prohibited from pledging or assigning any assets in said Trust or from otherwise anticipating any distribution hereunder t_ and that no creditor of said beneficiary shall have the right to levy upon, attach or otherwise obtain any assets in said Trust. C. when said beneficiary attains the age thirty (30) years, I order and direct that the Trust shall terminate and the then remaining net balance of principal and accumulated income shall be distributed to said beneficiary, absolutely. Should the principal of the Trust herein be or become too small in the Trustee's discretion so as to make establishment or continuance of the Trust inadvisable, the Trustee may make immediate distribution of the remaining net principal and accumulated income outright to the beneficiary and if the beneficiary is a minor, distribution may be made to the appropriate Guardian, at which time the Trust shall terminate. SEVENTH. I nominate, constitute and appoint my husband, JOHN D. DEDERER, to be the Executor of this my Last will and Testament, but if for any reason he should fail. to qualify as such Executrix, or cease so to serve, then and in that event., I nominate, constitute STEPHEN D. DEDERER to be the Executor hereof but should he predecease me or fail to qualify, then, in aRENNEN AN $ $PAR£ -4— e i i such event, I nominate, constitute and appoint my son, PHILIP C. DEDERER, as Executor of this my Last Will and Testament. In the event he should predecease me or fail to qualify, then, in such event, I nominate, constitute and appoint my daughter, SUZANNE M. DEDERER, as Executrix of this my Last Will and Testament. I further direct that no person serving as Executor, Executrix or Trustee hereunder be required to post bond to secure the faithful performance of his or her duties in the Commonwealth of Pennsylvania or in any other jurisdiction. IN WITNESS WHEREOF, I have hereunto set my hand and seal to this my bast Will and Testament written on five (5) pages this 28th day of September, 1999. /,�/}'/h��• J/Yf/SEAL) S san K. Dederer Signed, sealed, published and declared by SUSAN K. DEDERER, the Testatrix above named, as and for her Last Will and Testament, in our presence, who, in her presence, at her request, and in the presence of each other, have hereunto subscribed our names as attesting witnesses. (SEAL) 3ls iv" ' (SEAL) w oRnccx SHELOAKER, 8REHNEKON 9 SnAmr -5- COMMONWEALTH OF PENNSYLVANIA) SS. COUNTY OF CUMBERLAND) We, SUSAN K. DEDERER, PHILIP H. SPARE, ESQUIRE and SUSAN L. ZYCH, the Testatrix and the witnesses, respectively, whose names are signed to the attached or foregoing instrument, being first duly sworn, do hereby declare to the undersigned authority that the Testatrix signed and executed the instrument as her Last Will and Testament and that she had signed willingly, and that she executed it as her free and voluntary act for the purposes therein expressed, and that each of the witnesses, in the presence and hearing of the Testatrix, signed the Will as witness and that to the best of his or her knowledge the Testatrix was at that time eighteen years of age or older, of sound mind and under no constraint or undue influence. T Testatrix Kttness' witness /1 Subscribed, sworn to and acknowledged before me by SUSAN K. DEDERER, Testatrix, and subscribed and sworn to before me by PHILIP R. SPARE, ESQUIRE and SUSAN L. ZYCH, witnesses, this 28th day of September, 1999. Nota y Pumlic Sx6�ea6ex. Chri¢Mie MAW N�W2ry PtilNiE McChanrosfurp Born. eaexxsxaw r Mn a$PARE AIY CiOMRl1i61IX1 Erpl Soo.172� M eMW..Nmsy wis A: Iahm Of NOWa ,i