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11-04-13 (2)
J 1505610105 REV-1500 EX�°�_��>�F�, ��� PA Department of Revenue Pennsylvania OFFICIAL USE ONLY Bureau of Individual Taxes oE��p'�E�T�F INHERITANCE TAX RETURN Counry Code Year File Number PO BOX 28o6oi \ Harrisbur ,PA 1�128-06oi RESIDENT DECEDENT Z� � � (,��i �'7 ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY 166-14-5587 08/07/2013 07/15/1919 DecedenYs Last Name Suffix DecedenYs First Name MI Richwine Francis K (IfApplicable)Enter Surviving Spouse's Information Below Spouse's Last Name Su�x Spouse's First Name MI Spouse's Social Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW � 1. Original Return O 2. Supplemental Return O 3. Remainder Return(Date of Death O 4. Limited Estate Prior to 12-13-82) O 4a. Future Interest Compromise(date of O 5. Federal Estate Tax Return Required death after 12-12-g2) O 6. Decedent Died Testate Q 7. Decedent Maintained a Livin Trust (Attach Copy of Will) 9 _ 8. Total Number of Safe Deposit Boxes (Attach Copy of Trust.) O 9. Litigation Proceeds Received O 10.Spousal Povert Credit Date of Death y � O 11. Election to Tax under Sec.9113(A) Between 12-31-91 and 1-1-95) (Attach Schedule O) CORRESPONDENT- TH�S SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTiAL TAX INFORMATION SHOULD BE DIRECTED T0: Name Daytime Telephone Number George Michael Richwine (302)657-8437 �GISTER OF WIL�'S US� NL�q � �� —T C;� First Line of Address � -� �_ , :''�� �='� C7T ' C"� c-:" , :�s 2224 W.17th Street 'w�' =z� ; r-- r..., ,._ _ , ,;� Second Line of Address � L y - "` ' - .._ . ,.,:� �., q_., -' _� . f- - : _� � ��� ' City or Post Office r � ` °.� State ZIP Code '� ' DATE�JyED ,;; Wlmington DE 19806 �� `:.�� .. ' �`'' cr� '�`� Correspondent°s e-ma�i aadress: mrichwine@covad.net Under penalties of pery'ury,I declare that I have examined this return,including accompanying schedules and statements,and to the best of my knowledge and belief, i 's true,correct and complete.Declaration of preparer other than the personal representative is based on all information of which preparer has any knowledge. IGNATURE OF ERSOPL RESP SI OR FILING RETURN '� � DATE Z 2,�- U /. , / I� �"/ ZU� � ��i Z�} S7K t1Dr7' [�✓��w�i iV Uy Dw p�, SIGNATURE OF PREPARER OTHER THAN REPRESENTATIVE � /�o U 6 DATE ADDRESS PLEASE USE ORIGINAL FORM ONLY L Side 1 1505610105 15D5610105 � J 1505610205 REV-1500 EX(FI) DecedenYs Social Security Number oecedent•s tvame: F�BnCis K. RlChwlne 166-14-5587 RECAPITULATION 1. Real Estate(Schedule A). . ... ... .... ...... ... . .. . ............. . ... . .. 1. 220,000.00 2. Stocksand Bonds(Schedule B) ... . .. .... ... .. ..... . ... ... ...... . ... . . 2� 0.00 3. Closely Held Corporation,Partnership or Sole-Proprietorship(Schedule C) ... . . 3. 0.00 4. Mortgages and Notes Receivable(Schedule D).... .. . ... ... ...... . ... .... 4� 38,000.00 5. Cash,Bank Deposits and Miscellaneous Personal Property(Schedule E). .. . ... 5. 15,686.85 6. Jointly Owned Property(Schedule F) O Separate Billing Requested . ..... . 6. 7. Inter-Vivos Transfers&Miscellaneous Non-Probate Property 0.00 (Schedule G) O Separate Billing Requested.... .... 7. 3,273,127.35 8. Total Gross Assets(total Lines 1 through 7). .......... ... . . � � �� ������ ��� 8� 3,546,814.20 9. Funeral Expenses and Administrative Costs(Schedule H). .. ... '�� ��� ��� �� � 9� 16,686.05 10. Debts of Decedent, Mortgage Liabilities and Liens(Schedule I). . ... ... ... . .. . 10. 8,024.49 11. Total Deductions(total Lines 9 and 10).. ... . .. ... ... ..... . ... .......... 11. 24,710.54 12. Net Value of Estate(Line 8 minus Line 11) ............. . ... .. .. .... ... 12. 3,522,103.66 13. Charitable and Governmental Bequests/Sec 9113 Trusts for which an election to tax has not been made(Schedule J) ... .... ... . .......... . .. �3 0.00 14. Net Value Subject to Tax(Line 12 minus Line 13) .. ... ..... . • ��� � •�...... 14. 3,522,103.66 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_ 16. Amount of Line 14 taxable 15' 0.00 at lineal rate X.0 45 3,522,103.66 16. 17. Amount of Line 14 taxable 158,494.66 at sibling rate X.12 18. Amount of Line 14 taxable ��' �.�� at collateral rate X.15 �$• 0.00 19. TAX DUE.. ...... ... ... ... . ... ........ . ... ... ... .......... ... ... . . 19. 158,494.66 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT O � Side 2 1505610205 1505610205 J REV-1500 EX(FI) Page 3 File Number Decedent's Complete Address: DECEDENT'S NAME Francis K. Richwine — STREETADDRESS .. _ _ . __ _ _ _ _ _ _ _ _ _ _ _ _ 1213 Stratford Drive . _ _ . _ . _ _ CITY _ CBPIISI@ , STATE _ ' ZIP_ _ __ � PA , 17013 Tax Payments and Credits: 1. Tax Due(Page 2,Line 19) 2. CreditslPayments ��� 158,494.66 A.Prior Payments _ 0.00 B.Discount 8,341.57 3. Interest Total Credits(A+g� �p� 8,341.57 4. If Line 2 is greater than Line 1 +Line 3,enter the difference. This is the OVERPAYMENT. �3� 0.00 Fill in oval on Page 2,Line 20 to request a refund. �4� 0.00 5. If Line 1 +Line 3 is greater than Line 2,enter the difference.This is the TAX DUE. (5) 150,153.09 Make check payable to: REGISTER OF WILLS, AGENT. PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: Yes No a. retain the use or income of the property transferred.......................................................................................... ■ � b. retain the right to designate who shall use the property transferred or its income ............................................ � � c. retain a reversionary interest.............................................................................................................................. ❑ � d. receive the promise for life of either payments,benefits or care?...................................................................... � ■ 2. If death occurred after Dec. 12, 1982,did decedent transfer property within one year of death without receiving adequate consideration?.............................................................................................................. � . 3. Did decedent own an"in trust for"or payable-upon-death bank account or security at his or her death?.............. ❑ � 4. Did decedent own an individual retirement account,annuity or other non-probate property,which contains a beneficiary designation? ........................................................................................................................ � ❑ IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES,YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. For dates of death on or after July 1, 1994,and before Jan. 1, 1995,the tax rate imposed on the�net value of transfers to or for the use of the surviving spouse� is 3 percent[72 P.S.§9116(a)(1.1)(i)]. For dates of death on or after Jan. 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0 percent [72 P.S.§9116(a)(1.1)(ii)).The statute does not exempt a transfer to a surviving spouse from tax,and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1,2000: . The tax rate imposed on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use of a natural parent, an adoptive parent or a stepparent of the child is 0 percent[72 P.S.§9116(a)(1.2)]. • The tax rate imposed on the net value of transfers to or for the use of the decedenYs lineal beneficiaries is 4.5 percent,except as noted in[72 P.S.§9116(a)(1)]. • The tax rate imposed on the net value of transfers to or for the use of the decedenYs siblings is 12 percent[72 P.S. §9116(a)(1.3)].A sibling is defined, under Section 9102,as an individual who has at least one parent in common with the decedent,whether by blood or adoption. Rev-zsoz�x+ �1z-lz; � pennsylvania SCHEDULE A DEPARTMENT OFREVENUE INHERITANCE TAX REfURN REAL ESTATE RESIDENT DECEDENT ESTATE OF: Francis K. Richwine FILE NUMBER: 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 willing seller,neither being compelled to buy or sell,both having reasonable knowledge of the relevant facts. Real property that is jaintly-owned with right of survivorship must be disclosed on Schedule F. Attach a copy of the settlement sheet if the property has been sold. NUM ER Include a copy of the deed showing decedenYs interest if owned as tenant in common. VALUE AT DATE DESCRIPTION OF DEATH 1' 1213 Stratford Drive,Carlisle,PA 17013 220,000.00 TOTAL(Aiso enter on Line 1, Recapitulation,) $ 220,000.00 If more space is needed,use additional sheets of paper of the same size. REV-i5o3 EX+(8-�z) � pennsylvania SCNEDI�ILE B DEPARTMENT OF REVENUE INHERITANCE TAX REfURN STOCKS & BONDS RESIDENT DECEDENT ESTATE OF Francis K. Richwine FILE NUMBER All property jointly owned with right of survivorship must be disclosed on Schedule F. ITEM NUMBER DESCRIPTION VALUE AT DATE 1. OF DEATH None 0.00 TOTAL(Also enter on Line 2, Recapitulation) $ 0.00 If more space is needed,insert additional sheets of the same size REV-15oq EX+(g-u) � pennsylvania SCNEDULE C DEPAqTMENTOFREVENUE CLOSELY HELD CORPORATION� INHERITANCE TAX RETURN PARTNERSHIP OR RESIDENT DECEDENT SOLE-PROPRIETORSHIP ESTATE OF Francis K. Richwine FILE NUMBER Schedule C-1 or C-2(including all supporting information)must be attached for each closely-held corporetion/partnership interest of the decedent, other than a sole-proprietorship. See instructions for the supporting information to be submitted for sole-proprietorships. ITEM NUMBER NUMBER DESCRIPTION VALUE AT DATE 1. None OF DEATH 0.00 TOTAL(Also enter on line 3, Recapitulation) $ 0.00 (If more space is needed,insert additional sheets of the same size) REV-lso�Ex+�Q�-i3; � pennsylvania SCI�IEDt1LE D DEPARTMENT OF REVENUE MORTGAGES pt NOTES INHERIiANCE TAX RETURN RECEIVABLE RESIDENT DECEDENT ESTATE OF Francis K. Richwine FILE NUMBER All property jointly owned with right of survivorship must be disclosed on Schedule F. ITEM NUMBER DESCRIPTION VALUE AT DATE OF DEATH 1 Unpaid Balance of Promissory Note dated 04/10/2000,as amended 01/10/2006, I 38,000.00 of John Christopher Richwine @ 3% I I I I I I I I I I I I I I I I I I I I I I I I TOTAL(Also enter on Line 4,Recapitulation) $ 38,000.00 (If more space is needed,insert additional sheets of the same size.) REV-15o8 EX+(o8-iz) � pennsylvania SCNEDULE E DEPARTMENTOFREVENUE CASH, BANK DEPOSITS & MISC. INHERITANCE TAX RETURN PERSONAL PROPERTY RESIDENT DECEDENT ESTATE OF: Francis K. Richwine FILE NUMBER: 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 NUMBER DESCRIPTION VALUE AT DATE 1. Appraised Value(as of 8/7/2013 by Rowe's Auction Service)of Tangible Personal Property(including OF DEATH Jewelry)&Household Effects located at 1213 Stratford Drive,Carlisle,PA 17013 9,210.00 2 2003 Lincoln Town Car(Signature Sedan 4D)in fair condition(Blue book value) 4,977.00 3 Cash money in safe at 1213 Stratford Drive,Carlisle,PA 17013 1,181.00 4 Unpublished copyrighted(2011,2012)manuscript entitled"True Lies"(Witness to an Era)of Francis K. Richwine 1.00 5 Miscellaneous subscription and premium refunds 317.85 TOTAL(Also enter on Line 5, Recapitulation) $ 15,686.85 If more space is needed,use additional sheets of paper of the same size. REV-15o9 EX+(oi-1o) � �� r pennsylvania SCNEDULE F DEPAR7MENT OF REVENUE INHERITqNCE TAX RETURN ]OINTLY-OWNED PROPERTY RESIDENT DECEDENT ESTATE OF: Francis K. Richwine FILE NUMBER: 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 A•N/A B. C. ]OINTLY OWNED PROPERTY: LE7TER DATE DESCRIPTION OF PROPERTY ITEM FOR]OINT MADE INCLUDE NAME OF FINANCIAL INSTiTUT/ON AND BqNK ACCOUNT NUMBER OR SIMILAR NUMBER TENANT JOINT IDENTIFYING NUMBER.ATTqCH DEED FOR JOINTLY HELD REAL ESTqTE. ��F DATE OF DEATH DATE OF DEATH DECEDENT'S VALUE OF 1• A. VALUE OF ASSET INTEREST DECEDENT'SINTEREST None 0.00 TOTAL(Also enter on Line 6, Recapitulation) $ 0.00 If more space is needed,use additional sheets of paper of the same size. REV-�510 EX+ (�8-09) �t���� ��pennsylvania SCHEDULE G ���� DEPARTMENT OF REVENUE INTER-VIVOS TRANSFERS AND INHERITANCE TAX REfURN MISC. NON-PROBATE PROPERTY RESIDENT DECEDENT ESTATE OF Francis K. Richwine FILE NUMBER This schedule must be completed and filed if the answer to any of questions 1 through 4 on page three of the REV-1500 is yes. ITEM DESCRIPTION OF PROPERTY NUMBER �NCLUDE THE NAME OF TNE TRANSFEREE,THEIR RELATIONSHIP TO DECEDENT AND DATE OF DEATH %OF DECD�S EXCLUSION TAXABLE THE DA7E OF TRANSFER. ATTACH A COPY OF THE DEED FOR REAL ESTATE. VALUE OF ASSET INTEREST (IFAPPLICABLE) VALUE 1• Francis K.Richwine&Dorothy J.Richwine Trustees U/A dtd.June 13,2000, as amended: 2 123,154.42 shares GE Mutual Fund 064/2100669957 Elfun Money Market Fund 123,154.42 100 123,154.42 3 GE Capital Invest Direct GE Interest Plus 93509243557060 155,602.26 100 155,602.26 q 200.426 shares Highland Premier Growth Equity Fund A Ac No 8000149420 6,165.10 100 6,165.10 5 PNC Bank Premium Money Market Account 50-0326-5787 74,657.23 100 74,657.23 6 PNC Bank Perforrnance Checking Account 50-0546-8617 337,889.30 100 337,889.30 � The following securities held in USSA Financial Advisors,Inc brokerage ac 13905070 11,064.895 shares USAA S&P 500 Index Reward Shares(USPRX) 267,438.51 100 267,438.51 9,369.889 shares USAA Extended Markets Index(USMIX) 153,759.88 100 153,759.88 5,685.353 shares USAA Tax Exempt Intermediate Term(USATX) 74,762.35 100 74,762.35 6,686.328 shares USAA Tax Exempt Long Term(USTEX) 87,055.99 100 87,055.99 2,148.039 shares USAA Tax Exempt Short Term(USSTX) 23,048.46 100 23,048.46 19,655.00 shares General Electric Company shares(GE) 475,945.83 100 475,945.83 1,698.00 shares PNC Bank Corp(PNC) 128,912.16 100 128,912.16 100 shares Prudential Financial Inc.(PRU) 7,961.50 100 7,961.50 296 shares Verizon Communications(VZ) 14,813.32 100 14,813.32 97 shares Wells Fargo(WFC) 4,208.83 100 4,208.83 71.051 shares Frontier Communications(FTR) 324.35 100 324.35 5 shares Fairpoint Communications Inc(FRP) 46.50 100 46.50 TOTAL(Also enter on Line 7, Recapitulation) $ 1,935,745.99 If more space is needed,use additional sheets of paper of the same size. Estate of Francis K. Richwine Inheritance Tax Return File Number: Schedule G Inter-Vivos Transfers and Misc. Non-Probate Pro ert Continuation Schedule Balance brought forward from Schedule G 1,935,745.99 8. The following securities held in Fidelity Account X39-560472: 294 Spartan Total Market Index Fid Advantage Class (FSTVX) 100% 14,588.28 389.915 Spartan InYI Index Fid Adv Class(FSIVX) 100% 14,754.38 307.358 Spartan Extended Mkt Index Fid Adv Class(FSEVX) 100/ ° 15,069.76 9. 21,19.27 Elfun Income Fund (EINFX) 100% 243,167.75 10. 6,327.973 Elfun International Equity Fund (EGLBX) 100� 128,014.89 11. 908.485 Elfun Diversified Fund (ELDFX) 100% 18,215.12 12• 2,224.385 Elfun Trusts Fund (ELFNX) 100% 118,559.72 13. 24,172.985 Elfun Tax Exempt Income Fund (ELFTX) 100% 276,055.49 14. GE S&S U.S. Equity Fund (GESSX) 100% 508,955.97 TOTAL(To line 7, Recapitulation) 3,273,127.35 REV-isl� Ex� �a�-1�; � pennsylvania SCHEDULE H DEPARTMENTOFREVENUE FUNERAL EXPENSES AND INHERITANCE TAX RETURN ADMINISTRATIVE COSTS RESIDENT DECEDENT ESTATE OF Francis K. Richwine FILE NUMBER Decedent's debts must be reported on Schedule I. ITEM NUMBER DESCRIPTION A• FUNERAL EXPENSES: AMOUNT 1� Ewing Bros. Funeral Home 10,525.42 Cumberland County Honor Guard(Military Honors) 500.00 Refreshments at Wake 1,073.42 e. ADMINISTRATIVE COSTS: 1• Personal Representative Commissions; Name(s)of Personal Representative(s) Street Address City State ZIp Year(s)Commission Paid: z� Attorney Fees: 3� Family Exemption: (If decedent's address is not the same as claimant's,attach explanation.) Claimant Street Address City State ZIP Relationship of Claimant to Decedent 4• Probate Fees: 488.50 5� Accountant Fees: 6• Tax Return Preparer Fees: �• United States Postal Service(stamps) 46.01 $� The Sentinel(Publication of Executor's Notice) 147.06 9� Cumberland Law Journal(Publication of Executor's Notice) 75.00 �o� Armed Forces Insurance(Pro rata homeowners'&tan ible ersonal ro e 9 P p p rty insurance) 69.26 ��� Doloras Steigleman(Maid service for residence) 50.00 12� Staples(Shredding of decedenPs medical records/back income tax returns) 74.26 TOTAL(Also enter on Line 9, Recapitulation) $ 13,048.93 If more space is needed, use additional sheets of paper of the same size. Estate of Francis K. Richwine Inheritance Tax Return File Number: Schedule H. Funeral Expenses and Administrative Costs Continuation Schedule Balance brought forward from Schedule H 13,048.93 12. Walsh's Lawn & Landscaping(upkeep of residence) 146.28 13. CenturyLink(maintenance of telephone at residence) 42.26 14. S.W. Barrett Real Estate &Appraisal Services Date of Death Appraisal of 1213 Stratford Drive, Carlisle, PA 17013 375.00 15. Rowe's Auction Service Date of Death Appraisal of Tangible Personal Property & Household Effects at 1213 Stratford Drive, Carlisle, PA 17013 115.00 16. Doloras Steigleman Maid Service for Residence 50.00 17. Walsh's Lawn & Landscaping Mowing for residence 146.28 18. Armed Forces Insurance (Pro rata homeowners' &tangible personal property insurance) 69.26 19. PPL Electric Utilities Electricity for residence 198.25 20. United States Postal Service Stamps for Estate Administration 47.32 21. Walsh's Lawn & Landscaping Mowing for residence per bill dated 10/03/13 97.52 22. Centurylink Telephone service at residence Per bill dated 09/25/13 33.02 23. Reimburse G. Michael Richwine Home Depot—Moving supplies, tangible personalty 72.30 K Mart—Jumper cables,start Town Car to take To dealer for sale 21.19 24. Armed Forces Insurance (Pro rata homeowners' &tangible personal property insurance) 69.26 25. Reimburse G. Michael Richwine Nells—Trash bags to clean out residence 104.58 Home Depot—Moving supplies,tangible personalty 25 �8 26. Doloras Steigleman Maid service for residence 50.00 27. PPL Electric Utilities Electricity for residence 164.82 28. 1-800-GOT-J U N K Hauling away 1 truckload discarded Household furnishings&effects 553.00 29. 1-800-GOT-JUNK Hauling away 2 additional truck�oads Discarded household furnishings&effects 1,256.00 TOTAL: 16,686.05 RE�r-lsiz ex+ tlz-iz} � pennsylvania SCHEDULE I DEPARTMENTOFREVENUE DEBTS OF DECEDENT, INHERITANCE TAX REiURN MORTGAGE LIABILITIES & LIENS RESIDENT DECEDENT ESTATE OF FILE NUMBER Francis K. Richwine Repart debts incurred by the decedent prior to death that remained unpaid at the date of death,including unreimbursed medical expenses. ITEM NUMBER DESCRIPTION VALUE AT DATE OF DEATH 1� J.Christopher Richwine,personal services rendered to Francis K.Richwine,ck cleared after death 1,000.00 2. Walsh Lawn&Landscaping,mowing for residence(check cleared after date of death) 146.28 3. USAA Credit Card Check cleared after date of death 566.94 4. Century Link Telephone for residence 41.31 Walsh Lawn&Landscaping Spring clean-up for residence per bill dated 08/01/13 1,846.00 5. G.Michael Richwine reimburse advance pay maid Doloras Steigleman,July,2012 50.00 6. J.Christopher Richwine Katie Trip Expenses 481.80 7. Daikon Lutheran Social Ministries Cumberland Crossings Personal Care Expenses bill dated 07131/13 1,099.00 Daikon Lutheran Social Ministries Cumberland Crossings Retirement Community Nursing home 8. expenses per bill dated 07/31/13 847.36 9. Borough of Carlisle Water-Sewer for residence Per bill dated 08/09/13 89 28 10. Planet Fitness Carlisle 10.00 11. Comcast per bill dated 08/07/13 74.12 Cumberland Goodwill Fire Rescue EMS ambulance service on 08/04/13(from nursing home to 12. to Carlisle Hospital)per bill dated 08/12/13 84.03 Omnicare King of Prussia medications per bill dated 07/31/13 67.03 13. PPL Electric Utilities-electricity for residence per bill dated 08/16/13 162.94 14. PNC Bank-credit card expenses per bill dated 08/19/13 63.04 USAA Savings Bank-credit card payment per per bill dated 08/23/13 (net of wake expenses under funeral expenses) 91.11 Community Life Team Inc-Wheelchair Van Transportation from Harrisburg Hospital to Cumberland Crossings Nursing Home per bill dated 09/02/13 92.60 Comcast per bill dtd 09/07/13 84.07 Daikon Lutheran Social Ministries,nursing home expenses per bill dtd.08/31/13 1,127.58 TOTAL(Also enter on Line 10, Recapitulation) $ 8,024.49 If more space is needed,insert additional sheets of the same size. REV-1513 EX+ (01-10) '�i �'pennsylvania SCHEDULE � DEPARTMENT OF REVENUE INHERITANCE TAX RETURN B E N E FICIARI ES RESIDENT DECEDENT ESTATE OF: FILE NUMBER: Francis K. Richwine NUMBER RELATIONSHIP TO DECEDENT AMOUNT OR SHARE 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).] 1� John Christopher Richwine 11390 Greenridge Drive Waynesboro,PA 17268 Son 1/4 2. Joan Elizabeth Richwine 40 Center Street Westport,CT 06880 Daughter 1/4 3. Donald Karl Richwine 447 West Arlington Road Erie,PA 16509 Son 1/4 4. George Michael Richwine,2224 W.17th Street,Wilmington,DE 19806 Son 1/4 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 II—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. R����IJf:J 1J�i��Vi V� ��t'!ri'�:7 Q� �tSi L�J Job e..� .'i+►3 ��� �`i ���BWILL & TESTANiENT O�' r��_=�-;;� ,,M FRANC'I KO T T+�]C��VINE � VCat'`7!^t�t�r C�U[l� GElMB�RLA�iD C4., C'A I,Francis Kost Ridtwlne,domiciled in ihe Bor.ough of Carlisle,Cumberiand County, Pennsylvania,do herehy make,publish aad declaze this as and for my Last Will and Testaznent, hereby revoking all other wiils and c;odicils heretofore made by mc. My spouse is Dorot�y Johnson Ricliwine, My children are George Michael Richwine, John Christopher Richwine,Joan Elizabeth Richwine,and Donald Karl Richwine. I uttentionally make no gift to my cbildr�n in this Wili if my spouse survives me. . �I. �N�PFRSON�PROP�RTY I giv�my personal effects,jewelry,collec�ions,honsehald fun�ishings and equipment, automobiles and other aonbusiness taagible personal property described witi�reasonabte certainty in a separase,dated writing iun existence at the time of my death and signed by me,to those persons designated in such separate writing wflo suxvive mo. Ta the extent such property is not effectively dis}wsed of hy such segarate writing,or in the event my Personat Representatives determine that no such separate writing e�cists,I giva such prflperty to my spouse. If my spouse does not swvive rae,I give svch property io xny children who survive me and to my lineal desoendauts,per stirpes,of anp af my children who do not survive me,divided among them as they agre�or,if they are unabie to agree far any reason,including disab�ity,divided among them by my Personal Representatives in as nearIy equal shares as practical,even if anc of them is serving as a Personal Rapresentative hereunder. Aay determiaadon or division of property made or other activn taken by my Personal Representarives em.der this I'i'EM shall be eonclusiv�upon all persons interested in my estate. If neither my spouse nvr aay cbild of mine survives me,such praperty shall pass with tbe residue of mq estate. I request(bnt do not require)that the persons reoeiving this property redistribute it in accordancc with any separate writing I may address ta them rcgazding this matter. j�M j�, RFCIDE11j � Y give to my spouse my entire interest ia any reai property,c;ondominium,cooperative apartment,or simiIar housing unit,used by us as a permaacnt or seasonai reside�ce,subject ta any mortgage or other lien. If my spouse does not survive me,surh interests shall pass with the residue of my estate. � � ti �n � ru. _,�.:_:.. �. .. �... ` �- ;�c��+x�ii:�n�r��k:�'�;�.�����!K.-i,cus,ek.a$�+.� __ , ,< � - . - . f _;�t . ...i�.r�ss2 Y.a.(r� � `� �a Fv. .F � LTEM.III�. � ID� •oF�F�?� 1. I give my spause my entire interest in any ELFUN Funds and any t�.E.S&S Pmgram Funds which I possess. If my spouse does not survive me,I direct that such funds be iiquidated and the proceeds thcreof be added to tha residue of my estate. 2. I give all the residue of my estate to the Trustees then acting under my existing revocablt Trust Agreement dated today,which T.rustees shall serve without bond. The residue shalt be added to and become a part of tha Tru$t assets and shall be held under the pravisions of my Trust Agreement in effect at my death,or if this is not permitted by applicable law,under the provisions of my Trust Agxesment now in effcct. If ne�essary to give effect to this gift,but not otherwisc,the provisians of my Trust Agreement naw in effc•ct are incorporated herein by reference. I do not by ti�is Item exercise any powars of appt►intment. � PE�dN�RFP$j;,�,TI ES 1• A�i�t11�1�,�ntl�nd� I nominate my spouse Domthy Johnson Richwine,my son Jol�n Curistopher Richwine,r.�y daughter Joan Elizabeth Rie�bwine,my son Donald Kazl Richwine,and my son Gearge Michael Richwine,singly and sucx,essively in that order,as my Personal Representatives. These nominees,acting successively in the order named,may nominate substitute,successor,additionai,or ancillary personal representatives to serve with them or in their place and I reqaest that the court having}urisdidion avsr my estate(or aay part thereo fl appoint such nomanets. Each Petsanal Representative named above ar so nominated shall serve without bond and shall have all of the powers,privileges and immunities granted to my Personal Representatives by this Will or by law. 2. CoJp�s$don. I request that my Personial Representatives shall serve withaut compeasation,but shatl be entided ta reimbursement for any oxpenses. 3. Powers of Pena_nn81 Represent�±ti_ves� In addition to all powers a�tharized by law,my Personal Representatives shall have the following powers: a. Inves�enents. To sell or exchange at public or private sale and on credit or atherwise,and ta iease for any teru�or perpctually,any property at any tune held hereunder,to grant and exercise options to buy ar sell;to invest and reinvest in real or personal property of every kind and description,includiag common,mutual,pooled or other commingied trust fwnds maintai.ned by a Personal Representative or a trustca;and to retain as a proper investment any such property whether originally a part of my estate ar subsequandy acquired,includiag securities of a Porsoual Representative or a Wstee,its pazent or othcr affiliates of its pareat issued in their corporate capacity; all without lim.itation by any statutes or judicial decisions,whenever enacted or announced, -2- - , , +r�:� _.., . .. .._ ._ .. . _ . ,._..L.. ...a�_:�'- q--�r*�� ay iE��;�s.'�.L..L _ t^�.�r�c.� _„.�.:�4�...'�7w.'�-ti��� � J'+... � ..,�r�v,4�:��''� ... . , . . .. . .. regulating investrneuts or requiring diversification of investments. b• vo� To vote or to give proxies,with power of substitution,to vote stock,bonds or other securities. � IBStL�. To make loans,with or withaut interest,to my Tn�stees uader my Trust�greement,or to or for any current income i�eneficiary of any Trust thereunder;to borrqw moaey,with or without in#enst,from tbemscives or others for the benefit of my estate and to give mortgages or affier security or margia account interests in ihe property of my estate. d• �1SiIDg. To arbitrate, defend,enforce,release,campromise or�ttte aay claim of or against my estate. e. DIvl�ions n�Dicaibntions To make divisions or distributions in cash or in kind;to marshal assets among and distribute dissimi�ar assets to different tru�sts or shares(without rcgazd to tax basisj,to preserve any generation-skipping transfer tax exemption,to abtain any other tax benefit or for any other purpos��auy personal � Reprasentatives deem proper;and to make any disiribu�ion to any beneficiary who is under 21 or who is disabled dinctly to such beneficiary.,to his or her legal repr�sentative, t0�Y Pe���pansible for or assumiag bis or her caze,or ta an adutt person or an eligible bank�inciuding my Persaaal Representatives)selected by my Personal Representatives as custodiaa for such beneficisry under any applicable gifts or transfers act. Property divided or distributed in kind shali be vaIued at then net fair markei value. My Personal Repres�ntatives may pay from my estate as an expense of administrdtion any packing,storage,shipping an@ insurance costs incurred in connection with any distributions pravided hercunder,and shall not be responsible for lass of,damage ta,or depreciation in value of,an.y property so stored or shipped, f. ' ' ' To distr�'bute direc.tiy to any beneficiary w�o is then eatitled to distribution under my Trust Agreemeat. g• El�s�is� To filc joint incbme tax returas and split gifts far gif't tax purposes with my spouse,to select the valuation datc for death tax purposes and to use administration and medical e7cpenses as ineame tax deductions or estate tax deductions,tv eleet the mariita!deductiaa for property as qualified tem�inabte interest properiy ("QTIP°),to allocate the "G$T exemption"{as defined for purposes af tl�e federal generation-skipping transfer tax)to different trusts,direct transfers,ar parts thereo� to make a"raversc QTIp"election undcr Intemai Revenue Code §z652(a)(3)or its carrent counterPart, to c�sclaim powers hereunder and any power,int�rest,right or Fruperty to tia'hich I may be entitied,snd to make other elections and allocations,all at their discretion -3- � 4 _ r , ; , . ...��. . . .. . . ,... ,�s ,}.'-�:? .._ _s . . � .. �. �.. i`. . .r.;�#'��i�fi'ave:.rs�`�„k�tes_..._,., .._.. ., ,.. . . and withoar adjustment of incomc and principai acxounts or other intcrests in mp estate; provided in making such electiaas,allocations and disclaimers,my Personal Representatives shall act primariiy in the best int�rest of my spouse. �• Aggut�.. To employ and pay reasonable compensation to agents, accountants,investment counsel and attorneys. My Personal Representatives a�ay follow the advice of such experts without liability if my Personal Represencatives used reasonsble care in seleccting such experts. i. Cust«li n Acrnnnti To em�toy and pay reasonablt oampeasation to a bank,trust company or brokcrage firm as custodian;to glace any property in its custady, and in its na�ne or the name of its nominee;antt ta appoint such custadian as agent to receive,receipt for and disburse batl3 incame aud principal. Such c�st�dian shall not be liabie for any action takon or not taken at the d"uection of wy Personal Representatives. My Persona�Reprosentatives shall not be liable far any wrongful aet of sueh custodian if my Persanat itepresentatives used reasonabie care i�selectimg such custodian. j. �?p4�F� To rercive all reats or a�r amnunts due firom any rental nz any other real estate in#erest owned by me at my deatti or tliereafter acquired,including any personal praperiy used in oanjuaction therewith;to enter into,maintain,repair, impro�a,manage snd operate all such praperty; to effect and maintain insurance thereon; ta pay all taxes and assessments thereon;to extend,renew,repIace,increase or pay off aay martgage or mortgages affect,iing suc&groperty;to abandon such praperty=to adjust baundaries;to grant easements;to paztition;to enEer into garty-wall coatrads;to insure or perfed.tifle;to demolisi�or erect buildings therean;tu make,extend,renew or modify any lease,for aay#erm or perpetually;and to do all ottter ttungs necessaay ar proper in the management and c>peration of such pmperty. k. �,�� To rcceive all gayments af interest,FrinciPal,�natties or fees duo from aay�rtgages ar other serured�bts owed to me at the time of my death; to release,settle,extend,renew,modifiy or sell any such secwed debt,ta prepare,exccute and recard appragriate dacumentati�n pertaining to sueh debt,aad to da ail other thi�gs n�cessary or proper in t�e management of such debt. i. To conduct e�vironmental assessmants,audits, and sito monitoring(bath as to Fstate property and prospectivo Fstate grapezty)to detemune compliance with any environmeatal law or regulation thereunder,to take all appropriate rcmcdiat actian to cantain,clean up ar removc any enviranmeatal�azard incinding a spill,r�lease,discl�argt or contamination,either on its own accord or in response#a an actuai or threatened violation of any envimumental law or reguladon theneunder;to institutc legal pmceedings oanccrnin.g environmental�►azards or contcst or � � , ,, .. >_ � . ;� : , h , : . .. �.� � . _ ,,� . �. �.�`, . �__ �..t� . ..� _. w. ,..� �� . ' . . � k�, _ . ' _. .��_. �.�.�. w`��_ . . ., .,_ . � . , £ settle legal prae�eedings brought by snp loc�l,state,or fiederal agency conarned with environmental compliaace,or by a private litigant;and ta comply with anp local,state or federal agency arder or oourt ordcr directiag an assessment,abatement ar cleanup of aay envimnmental bazards, Aay expenses incaz�rr.�by the Pers�nal Rcpresentatives u�ader this subparagraph may be cl�arrged against incomo or principa] as the Persor�al. Representatives shall determine, My Persanai Representatives may exercise their powers and maks disela.imers without caurt authorizatiun or approval. Na ona dealing with my Persana�Regres�ntarives need inquire inta their autharity or their appiic�tian af property. 4. IZesth�osfs. My Personai Represenia#ives shali pay from tt�e residuc of my estate(a}my debts which ara allowed as claims agai�st�ny estate,fb}mY funexal exgenses without regard to legal rimitatia�s,(c)the ezpenses of at3ministering rny estate,an.d(d)the estate, inheritaACe arRd other tfeath taates(��cept generation-s�igping transfer taxes},including all iut�rest and poaa�ties thereon,du�because of my death witt�respect to P�PenY Passing under this Will and any codicil. All such death tagcs on properiy not passing undor tlus Will or any cadieil shalj be eqaiiabiY aPPo�onec�and paid from or zecovered fram tl�e pragcr�y to which such t�applies,as pravided by applicable law,allowing the disposition to which a deduetian, exemption,exclusioa,or credit applios the full bsaefit thercof. My Pexs�nal Representatives shall be reimbursed from the assets�Id under my TrusE A,greenaent fcu snch part ar atI of the death casts payable by my Personal Representarives as my Persanai Representatives dir�c�a�td they shall direct sncb reimbursernent at least to the extent necessary to avoid reduction by suc� death oosts of any pre-residuary gifts made in this Wr12 and ia aay codicil. My Pezsanal Representative also sha11 be reimbursed from property over which T have a power of appoiniment far the increase in sttch death iaxes causec}thereby�and to that extent oaly I�xercise such�wer and appaiat to my est�te from such property the amaun#of such inEc'rease. 5. Def ni� A benef Giary is not dee�d ta surv�ve me unttess sttch beneficiaFy survive5�ue by five days. The temt"dis�abled"shall be sqnonymous wiih"ineapacitatec3"an� . includes not only the degtce of disabiliry wbich thes law requires for the appc�intment of a guardian,but a15O the inability fo give promgt aad iatelligent t�nsideraiian ta fiaaaaiai mait+ers. My Personat Regresentataves shall determine whether�bensficiary is disabled,provided,the determination triat an adult beneficiary�s disabled aball be sugported by the written eertification of two physi�ans. My Personal Representatives are the Executors,Achni�aist.ratars,Ancillary Administrators,or the Persflnal ltepresentatives of my estate, however#ided. 6. I2�aa�inS�'�tILF:..�...a� Each Personal Representative may act uader this�V'�i 1 even if interested in my estate in an individual capacity,as a fiduciary of another estate or trust (including any trust identificd in this Will)or in any other ca{�acity. Each Personal Representative may in good faith buy frout,sell to,icnd funds to or otherwise deal with my _�_ .�� ,:. _. ; .: . . . . . . . � _ _. �.. ..,.:_,:,� .., _. . ; , �. . . . .. .._. , .1.. . .... . ... .. x 9...� J:�.Y d...w.._..._ .� ... .....s ...,._ � . .. . . _ .� .. , estate. TN WITNESS WHEREOF,I have hereunto set my hand aad seal to this,my L�a t Will and Testament,consisting of six pages,each of which laears my initials,this /.�?,.--- �y of_,._„�--�e..�'.+..�" ,._,20f)0. a�vccc�i� cs�.� r�nci�Kost Richwine,Testator SiBned,sealed,published,and declared by the above-named Testator,Fraacis Kast Richwine,as and for his Last Wiil aud Testament,in the presence af us,who,at his request,in his sight and presence,and in the sight and preseace of each other,have hereunta subscn'bed our namcs as witttesses. �� . n . �ll ACKNOWL.FIH�MF.�v�r CQMMONVV�ALTH tJF PENNSYLVANIA ) SS. ClJUNTY OF CUMF3ERLAND ) I,Francis Kost Richwine, Testator,w�ose name is signed to the attached or foregoin,g instrumeat,ha��ing laeen duly qualified according to law,do bereby acknowledgc that I signed and executed the ins�n�menE as my Last Will;that I signed it willingly;and that I signed it as my fc�e and vo.iuntary act for the purposes therein expressed. Sworn or ai�irrned to attd acknowleciged before me by Francis Kost Richwine,the -b- �� . _ ,, __ . . �- . . _ ,. . . ,;. . . : _ , . . ,�...._.. .. ' �� . : ;� __ . . _. . .„_ , `4 , „�.c . e.,_. .; . ....,aP:: .�awa:.a.i.Y.�� 7._ _._ ' 7 .'�� '. . . �. .t .�, .,,,iY ... .....,Y...., ,.. .... .. . .... . .. .. .. TestaEor,this /��day of cTv.v�" ,��}. � Testator,Francis Kost Richwine Nota�y Pul�lic .....�� AEFiDAVIT ��aeu �urMO i�C�o�r�.Mor�a�r��c CARLWi M�l10,q�■rILAI�p COUNTY,PA COMMONWEALTH OF PENNSYZ�7ANiA ) °"fOO�'"°0"��",'b0' . sS. COUNTY UF CUMBERLAND ) We e7`.�.�ic�.c ,F�ir�° , c.7"7�.0,�'��'�'� , andt��,�'�,n-i�uE V.6"./�•Ce� ,the wimcsses wb:ose names are signed to the attached or foregoing inshvment,being duly qualified according to law,do depose a�d say that we were present and saw Testator sign and execute the instrument as his Last Wili;that Francis Kost Richwine signed willingly and that he eacecuted it as his free and voluntary act for the purpose thereia expressed;that each of us in the hearing and sight af the Testator signed the Wil2 as witnesses;and thst to the best of our knowlodge the Testator was at that time eighteen or more years of agc,of sounti mind,and under na constraint or undue influence. Sworn or affirmed and subscri'bed tfl before me by..�',�t/�'��i�t�4�f3PO , S.r�'c��/r%�'�..''�" aud ,��.�Ps+�E'ss�.�"i� eQ/.�'+�i�' , witnesses,this /3.�...day of G?"vi+s� , 2000. (SEAL) w �g ti. {sEa�,� w� $ . . • (SEAL) Witness {SEAL) Notary Public wat'rwN.l�. ',;�� .. �. qIwN10 i.1C1l01�'�.NOTA�►�� -, . . �OOIMM�MIOIt D�'KNi 11•#OQ� � , �' - •, � � ; F" . - - ,, � ' . '. , . ,. .;. ,� . ' :• � ,,. : - . . ...f ,�3 : r , �.; _� :..n...�,.r35 i:.r_�i. � :st ' ` ' +� e K . �� � ..a.s:_,m,..7...�i�.�`�,ri�'.�i3�i�'�-�`.�x�4�f�..s._�.. .,. .>r�,. ... ,.,-. , . . . ,..- .. _.. �����;-;�{-; �r�.-�,,, �F C4DICIL T4 THE ���:r�: .-.;: a� �:;}�,�►.ST'VVII.L & TE5TAl1�N'T' UF :`_:� i�v v �� �a n i 4 �',� ' , CIS i�OST RICI�WINE I,F '$,�;�i��KflST RICHWIZ�1�,of the Borough of Carlisle,Camberland County, Pewnsy�yq�Q�h�t1;��iake,publish and declare ttiis to be the one(1)Codicil to my Wiil date�g��L�•��.. 3�a ITEM I. I hereby revoke Paragraph�. af Item III of my Last Will 8�Testamen#dated dune 13, 2000. ITEM II. I hereby amead Paragxag�I,Iiem I�of my Last Will 8�Testament�ated June 13,2UU0 o pmvide in its entirety as fol�ows: l. naiq,tmeut and Bond. I nominate my snn,Gearge Michael Richwine,my sfln,John Christopher Richwine,my daughter,Joan Eli�abeth Richwine,and my son Donald Karl Riehvvine,singly and successively in tbat ord�r,as my Pcrsonal Regi�es�ntafives. These naminees,a�ting successively in the ord�r named,may nominate substitute,successor,additianat,or ancillazy, personal representatives to serve with them or in their place and I request traat the court having jurisdictitm over my estate(or sny part therea�}appcainE s�h aominees. Fach Personal Representative na�med above or so nominated sb.atl serve without bond and shall have all of the powers,privileges and immunities granted to my Po.rsonal Representatives by this Will or by law. ITEM TQ. Tn all other respects,I do hereby ratify and confirm my Last WiII&T$stament dated 3une 13,2Q0t?. IN WITNESS WHEREOF,I herevnto set my haad and seal to this my ane Codicil ta my ast�4'ill&Testament this 30�'of 7une,ZOU9. . ` SEAL) Franeis Kost R.ichwine igned,sealed,pnblished aad declared by FR.ANCIS K4ST RICHWiNE,the Testator abave ed as and for his ane Codicil to hi.s Last Will&Tes�tament dated June 13,2000,in our zesence,who,in his preseace,at his request,and in the presence af esch ather,bave hereunto ubscribcd our names as attestittg witnesses. I _ : � . , ; � . ,. - . — , s � , . � ��._. , ��;.__. ... ... _. .__.._.�.�...�:._ �.��.,���.*�;������?atiN.� . . , __ . � Ct�MIVIONWEALTH OF PENN�YT.,VANIA) : SS. C4UNTY OF CUhfgEgl,�ND ) We,FRANCIS KO�T RICHVVINE,KEITH 0.BRENNEM,4N,ESQLTIRE and SANDRA K. SHCIVVERS,the Testator and ttze witne�ses,respe�tivelp,whose names are signed to the attaahed or foregoing instrument, being first duly swatn,do heteby declaz�e ta the undersigne+d authority that the Testator sign�d and executed ihe instrument as his one Codicil to l�is Last Wi�I&T�ent d�ted June 13,2000 and that he had si�ed willinglY,ar�d t�at he executed it as his free and votuntary act for the putposes therein e�pressec�,a�c�that each of the witnesses,in the presence and hearing of the Tasta,tar,signed the Cod.icil as witness and that to the best af his or her knowledge the Testator was at that#ime eighteen yeazs of age c�r older,of s��nd mind and under no constraiYCt ar�mdue influenc�. � G'�'u�o ���'��v�..: I i Testaior } � , � �� � Wifuess � � I �c�.KJ��� ' ,' w��� ! � Subset�ibecT,swom to and aclmowledged before mc by FRANCIS KOST RICHWIlVE,Testator, � and subscn'bed aad sworn to before me by KETTH O.BRENNEMAN,ESQUIRE aud SANDItA K. SHOWERS,witnesses,this 3U�'day of June,2009. � i r � Notaiv Pu lic .. , ,. , ;; . _ .. . . .. L.,. . f.,.�.�_.��k v...r�. . :1'�. t�_ .. Yo . .,. ,.. .. ,i .. . _ . . ... . . ,� .3. . _. .. ..,v.. . .. .. ... . . . . .... .. .. . . . . ... . . . .. . .. . . .. .. G..... . ..... . .. . . .. .. , S.W.Barrett Real Estate&Appraisal Services File No.13-0218 """*******INVOICE********* File Number:13-0218 09/03/2013 G.Michael Richwine 2224 West 1Tth Street Wilmington,DE 19806 Invoice#: 13-0218 Order Date: 08/14J2013 Reference/Case#: PO Number: 7213 Stratford Orive Carlisle,PA 17013-3569 Appraisal Services $ 375.00 $ -------------- Invoice Total $ 375.00 State Sales Tax @ $ 0.00 Deposit �$ � Deposit �g � -------------- Amount Due $ 375.00 Terms: Payable Upon Receipt-Please,reference the file number Please Make Check Payable To: S.W.Barrett Real Estate 8 Appraisal Services 505 South Hanover Street Carlisle,PA 17013 Fed.I.D.#:236646-804 YOUR SINGLE SOURCE...Professional,Efficient Service THANK YOU S.W.Barrett Real Estate S Appraisal Services File No.13-0218 APPRAISAL OF LOCATED AT: 1273 StratFord Drive Carlisle,PA 17013-3569 CLIENT: G.Michael Richwine 2224 West 17th Street �Imington,DE 19806 AS OF: August 7,2013 BY: Cassandra J.Crockett PA Certified Resldential Reat Estate Appraiser S.W.Barrett Real Estate&Appraisal Services File No.13-0218 09/03/2013 G.Michael Richwine 2224 West 17th Street �Imington,DE 19806 File Number: 13-0218 In accordance with your request, I have appraised the real property at: 1213 Stratford Drive Carlisle,PA 17013-3569 The purpose of this appraisai is to tlevelop an opinion of the defined value of the subject property,as improved. The property rights appraised are the fee simple interest in the site and improvements. In my opinion, the defined value of the property as of August7,2013 is: 5220,000 Two Hundred Twenty Thousand Dollars The attached report contains the description, analysis and supportive data tor the conclusions, final opinion of value, descriptive photographs,assignment conditions and appropriate certifications. Respectfully submitted, f�� � ,/ � � o (l i2��.r.z�c...r`�'C..-✓.'_..- �. i,i.e^�'�.�,`'�u..� Cassandra J.Crockett �` PA Certified Residential Real Estate Appraiser Summary Residential Appraisal Report File No. 13-0218 The purpose of ihis appraisal report is ro provide the client with a credible opinion of the defined value of the subject properry,given the intended use of the appraisal. ClientName/IntendedUser G.Michael Richwine E-mail ClientAddress 2224 West 17th Street Ci Wilmin ton State DE Zi 19806 nddiuonal Intended user s The intended user of this re ort is the Client.No additional Intended Users are rmitted without the ermission of the a raiser s. . mtended use The Intended Use is to evaluate the ro rt that is the sub'ect of this a raisal to rovide the Client with an accurate and ade uatel su orted o inion of value. aro e ,address 1213 Stratford Drive Ci Carlisle sta�e PA Zi 17013-3569 owner of aubiic Record Richwine Frencis K 8 Doroth J Coun Cumberland � ai oescri uon Deed Book 31•Pa e 128•Borou h " /+ssessor's Parcel n 0420-0479-041 Tau Year 2012 R.E.Taxes$ 4 511.00 Nei hborhoodName NOttirl h8m Ma Reference 0422-0479-041 CensusTraM 0124.00 Pro e Ri hts A raised X Fee Sim le Leasehold Other descri6e M research did X did not reveal an rior sales or transfers of the sub ect ro e fir the three ars rior to the eHecuve date of this a raisal. PriorSaleRranster: Date OM18H985 Price S27 000 Source s Courthouse records Analysis of prior sale or transfer history of the subject properry(and comparable sales,if applicable) No further recent recorded transfers were found. Offerings,opdons and contracts as of the effecUVe date of the appraisal NOn6 kIIOWO _ "�?�f�ifs ,.. ... .: .,. Locapon Urban X Suburban Rural� Pro Values increasin X Stable Declinin PRICE AGE � One-Unit � 80 4L Built-U X Over 754b 25-754fi Under 2545 DemandlSu Shorta e X In Balance Over Su $000 rs 2-4 Unit 0 4b Growth R id X Stable Slow Markefin Time Under 3 mths X 3-6 mths Over 6 mths 150 Low NeW Multi-Famil 0 45 � Neighborhood Boundaries Sub ect is bounded on the north b Rt.11/641•on the east b Rt.34• 600+Hi h 100+ Commercial 10 96 � on the south b I-81 corridor•and on the west b Rt.465. 240 Pred. 30 od,er VGlnd 10� ; Neighborhood oescrip6on Sub'ect ro ert is located in an ex a�din area of sin le famil homes within the Borou h of Carlisle •' with a mix of residential and commercial/industrial usa e.Sho in and other amenities are within walkin or short drivin distance.School s tem is Carlisle District and local elementa school is within.75 mile. MarketCondi6ons(includingsupportfortheaboveconclusions) Pro ert values are currentl stabie in the sub'ect ro rt 's market area.Local multi-list data indicates an avera e marketin time of 90-180 da .Lendin rates have remained favorable althou h sales concessions are occurin more fre uentl .There are new homes under construction in surroundin develo ments as well as re-sales available in the nei hborhood. Dimensions 100 x 150 Area 0.34 acre M/L Sha e Rectan ular view Residential S ecific Zonin Classifica6on R1 Zonin Descri 6on Low Densit Residential Zonin Com liance X Le al Le al Nonconformin GrandNathered Use No Zonin Ille al describe Is Ihe highest and best use of the subject property as improved(or as proposed per plans and specificalions)the present use? X Yes No If No,descrihe. U[ilities Public Other tlescribe Public Other destri6e Off-sitelm rovements-7 e Public Private Electrici X 200 am water X Sneet As halt X Gas Sanita Sewer X qlle NOn6 sice commems There are no a arent adverse easements encroachments or other adverse conditions. - � .�It�t". p,� ��" '�fis Units One Onew/ACC.urrit Concrete Slab X Crawl S ace Foundation Walls � Block/Av Floors HWlCr Nin/Av� #otSrories TWO X Full Basement Pareal Basement EMerior Walls Vi11 I/AV Walls D alllAv T X Det. Att. S-Det./End Unit Basement Area 11 SO s.ft. Roof Surface Shi11 IE/GOOd TrimlFinish WOOd/AV X Exis6n Pro osed Under Cons[. Basement Finish 0 4b cuners&�owns oua Aluminum/Av Bath Floor Vin I/AV oesi n S le Traditional Outside Ent IExit Sum Pum Window T e DbIHn /Av eath Wainscot DWIFbr Is/Av vear Buiit 1985 Storm Sash/insulared InSUlatedlAv Car Stora e None Effecove n e vrs 15-20 Screens Yes/Av X Drivewa tt of Cars 2 Aroc None Heaun X FWA HW Radiant Ameni6es WoodStove s#0 Dtivewa Surface AS h81t X Dro Stair Stairs Omer Fuel HBat um X Fire lace s#1 Fence X Gara e k of Cars 2 X Floor " Scuttle Coolin X Cemral Air Condidonin X PatiolDeck P8ti0 X Porch 3 X 7 Car rt #ot Cars 0 Fnished Heated Individual Other Pool NOne Other NOnE X Att. Det. Built-in A liances Rehi era[or X Ran elOven X Dishwasher X Dis sal X Microwave WasherlD er Other describe � Finished area above rade contains: 7 Rooms 3 Bedrooms 3 Bath s 2 005 S uare Feet of Gross Livin Area Above Grade � ndditlona�Fea�ures *access to eave stora e throu h walk-in closets.Par uet floorin in fo er•s li hts in 2nd floor baths•o en IofUstud area on 2nd floor front orch rear atio•heat um /AC roofin dishwasher and ovens recentl re laced. commencs on me improvemencs Im rovements are in avera e condition with no h ical or functional inade uacies a arent. ��na .-, . . Producetl usng HCI soflwaze.l Of 4 4.8]2)xwx.aciwe0 cam Tins lorm Caq4lgMt�20115.ID10 FCI D'MSOn M I50 Qelms Servtr6.In<..WI Righls Re58NeC. � (gPAR"')General Pupog!Apqais�R¢pofi 052010 GPAR1004_1005262010 Summary Residential Appraisal Report File N0. 1$-021$ FEATURE SUBJECT COMPARABLE SALE N0.1 COMPARABLE SALE NO.2 COMPARABLE SALE NO.3 1213 Stratford Drive 719 Sherwood Drive 1200 Sadler Drive 22 Stewart Drive address Carlisle Pa 17013 Carlisle Pa 17013 Carlisle Pa 17013 Carlisle Pa 17013 Proximi taSu6"ect 0.25 miles E 0.67 miles SE 1.17 miles NNW sale Price S S 239 500 S 240 000 S 247 000 Sale PricdGross Liv.Area $ 0.00 s.h. $ 98.58 s.ft $ 103.09 s.h. $ 105.38 .ft oaq source s Multi-list Multi-list MuIt1-list verificauon source s ' Broker's Records/CHR Courthouse Records Courthouse Records VALUEADJUSTMENTS DESCRIPTION DESCRIPTION .-)Enqimmen DESCRIPTION �(-)Sndjimment DESCRIPTION +.yq���� sa�e or Financing None,Conv None,Conv None,Conv Concessions DOM 101 DOM 45 DOM 34 Date of Sale/rime 8/2013 4/2013 4/2013 �ocaeon Suburban Suburban Suburban Suburban LeaseholNFee Sim le Fee Sim le Fee Sim le Fee Sim le Fee Sim le sice Lot1.34 ac LoU.48 ac LoU.33 ac LoU.36 ac ��eW Residential Residential Residential Residential oesi n S e Traditional Traditional Traditional Traditional uali of Construclion Avera e Avere e Avera e Avera e � Acwal A e 28 Yrs 41 Yrs 47 Yrs 24 Yrs : condinon Avera e Av Good -10 000 Av /Good -10 000 Av Good -10 000 Above Grade 7qal Bdrms Balhs 7aal etrm Ba1hs 7otal 8a1hs 7ael BAms Bazls � Room Caunt 7 3 3 8 4 2.1 2 000 8 4 2.1 2 000 8 4 2.1 2 000 _ GrossLici Area30.00 2 005 .ft. 2 430 s.h. -12 750 2 328 s.n. -9 690 2 344 s.h. -10 170 � Basement&Finished Full BsmU Full BsmU Full BsmU Full Bsmt/ � RoomsBelowGrade Unflnished Unfinished Unflnished Unfinished Func6onai uuii Avera e Avera e Avera e Avera e - Heaon ICoolin HP/CA HP/CA HP/CA GFHA/CA ener e�ficient�tems T ical T Ical T ical T ical cara e�ca on 2 Car Gara e 2 Car Gara e 2 Car Gara e 2 Car Gara e Porch/PaGO/Deck Ent /Patio/FP Scrnd.Porch/ -2 000 Porch/Deck! -2 000 PorCh/Deck/ -1 000 Ent /FP 2 FP's Patio/FP Netnd'ustment otal + X- S 22,750 + X - S 19 690 + X- $ 19 170 Adjusted Sale Price �;��Net Adj. -9.545 Net Adj. -8.245 Net Adj. -7.84U of Com arables `_,:`_ Grossn . 11.23b S 216 750 Grossnd. 9.9� S 220 310 GrossAd'. 9.4gb $ 227 830 summa of sates Com arisonn�roach All com arables are similar in s e utilit and location to the sub'ect ro ert are verifled closed sales and are the best currentl available.Limited sales of homes in sub'ecYs value ran e have recentt occurred re uirin an ex anded search.Each of the com arable sales had some recent remodelin u -datin com leted. Ad'usted ran e of value is$216 000 to$228 000. , . �. � ..,: Sitevawecommena Site value from current assessment data and recent local land sales. ESTIMATED REPRODUCTION OR REPLACEMENT COST NEW OPINION OF SITE VALUE........................................_$ 65 OOO .. Sourceofcostdata Dwellin S .Ft. $ ,.,,,.,,,,,,=g ua�i rapn fmm cost service EflecUve date of cos[data S.Fc $ =g ' ............ . Comments on Cost A roach ross livin area calculaoons,de reciatlon,etc. Cost A roach from Marshall/Swift Valuation Service Gara elCar on S .Fc @ S =g � handbook and local cost anal is was considered but Total Estimate of Cost-New =g deemed not credible due to the a e of the im rovements. Less Ph sical Func6onal External Site value from Market Data.De reciation based on a e/life oe reciaoon =g observed condition and Market Data Anal sis.Estimated oe reciated costot�m rovements................................=g remainin Economic Life is 40-45 Cafs. "AS-is"ValueofSitelm rovemena................................_$ -� ,.. _,,, . . INDICATED VALUE BY COST APPROACH........... . .... .. _$ Q � $QN . . . . . .. . . . . .. .. . . . .. .. .. . . , _, EsOma[ed Monthl Market Rent S 0.00 X Gross Rent Multi lier 0.00 =$ 0 Indicated Value b Income A roach ' Summary ot Income Approach(including support for market rent and GRM) N/A IndicatedValueb: SalesCom arisonA� roach$ZZO OOO CostA roach iftlevelo ed S 0 IncomeA roach itUevelo ed S� Market Anal is consistentl su orts the o inion of market value.Cost A roach and GRM were found ina ro riate for this anal is.Greatest wei ht is a lied to the Market Data Anal is.Su ortin file information substantiates these � estimates. This appraisal is made X 'as is;' subject to compleeon per plans and specificaUOns on the basis of a hypotheecal conditlon that the improvements have been comp�eted, ❑suhject ro the following repairs or a�terauons on�he basis of a hypotheucal condiuon that the repairs or alterauons have been completed ❑subject ro the lollowing: � A raisal is for client onl nontransferable. Based on the scope of work,assumptions,limiting conditions and appraiser's certHication,my(our)opinion of the defined value of the real properiy that is the subject of this report is S 220,000 as of OS/07/2013 D.O.D ,which is the effective date of this appraisal. ,�n.� . .. ProGUCedumngAClsoM1ware.�023ae]1lvmwaciw2b.com TMS�ormCO%ngM"�2W5�20t0AqOM9ona1150CJtimsSemces.Inc..AllFig�6ReservM. Page 2 of a (gPAR"')Gerceral Purpose Apprais�Reprnt 05'2010 GPAqUqC 1005262010 S.W.Barrett Real Estate&Appraisal Services Summary Residential Appraisal Report File No. 13-0218 Scope of Work,Assumptions and Limiting Conditions Scope of wo�k is defined in the Uniform Standazds of Professional Appraisal Practice as"the rype and extent ot research and analyses in an assignmen4"Inshort,scopeofworkissimpty whattheappraiserdidanddidnotdoduringthecourseoftheassignment.ttincfudes,butisnot limited to:the extent to which the property is identified and inspected,the type and extent of data researched,the type and extent of analyses applied to arrive at opinions or conclusions. The scope of this appraisal and ensuing discussion in this report are specific tothe needs of the client,other identified intended users and to the intended use of the report.This reportwas prepared for the sole and exclusive use of the client and other identified intended users for the identified intended use and its use by any other parties is prohibked.The appraiser is not responsible for unauthorized use of the report. The appraiser's cert'rfication appearing in this appraisal report is subject to the following conditions and m such other speciflc conditions as are set forth by the appraiser in the report.All extraordinary assumptions and hypothetical conditions are stated in the report and might have affected the assignment results. 1.The appraiser assumes no responsibiliry for matters of a legal nature alfec6ng tl�e properry appraised or title thereto,nor does the appraiser render any opinion as to the 6tle,which is assumed to be good and marketable.The property is appraised as though under responsi6le ownership. 2.Any sketch in this report may show approximate dimensions and is included only to assist the reader in visualizing the properry.The appraiser has made no survey of the properry. 3.The appraiser is not required ro give tesdmony or appear in court hecause of having made the appraisal with reference ro the properry in quesuon,unless arrangements have been previously made thereto. 4.Neither all,nor any part of the content of this repon,copy or other media thereof(including conclusions as ro the pwperry value,the idenory of the appraiser,protessional designauons, or the firm with which the appraiser is connected),shall be used for any purposes by anyone but the client and other intended users as idenUfied in this repon,nar shall it 6e conveyed by anyone ro the public through advertising,public relauons,news,sales,or other media,without the wntten consent of the appraiser. 5.7he appraiser will not disciose the contents of this appraisal report unless required by applicable law or as specified in the Uniform Standards of Professional Appraisal Practice. 6.Information,estlmates,and opinions turnished ro the appraiser,and contained in the report,were obtained 6om sources considered reliable and believed ro be true and correct. However,no responsibiliry for accuracy of such items fumished ro the appraiser is assumed by the appraiser. 7.The appraiser assumes that there are no hidden or unapparent conditions of the properry,subsoil,or structures,which would render it more or less valuable.The appraiser assumes no responsibiliry for such condiuons,or for engineering or tesfing,which might be required to discover such factors.This appraisal is not an environmental assessment of the properry and should not be considered as such. 8.The appraiser specializes in the valuation of real properry and is not a home inspecror,building contracror,stmcmral engineer,or similar e�en,unless otherwise noted.The appraiser did not conduct the intensive rype of field observaGOns of the kind intended ro seek and discover properry defects.The viewing of the properry and arry improvements is for purposes ot developing an opinion of the defined value of the properry,given the intended use of this assignment.Statements reparding r.nnditinn are haseA nn surface ohserva6ons�nly The appraiser claims no special exper6se regarding issues including,but not limited to:foundation settlement,basement moisture problems,wood destroying(or other)insects,pest infestation, radon gas,lead based paint,mold or environmental issues.Unless otherwise indicated,mechanical systems were not acUvated or tested. This appraisal report should not be used to disclose the condiUOn of the properry as it relates to the presence/absence of defects.The client is invited and encouraged to employ qualified experts to inspect and address areas of concern.If negative conditions are discovered,ihe opinion of value may be af(ected. Unless otherwise noted,the appraiser assumes the components that constitute the subject property improvement(s)are fundamentalty sound and in working order. Any viewing of the properry by the appraiser was limited ro readily o6servable areas.Unless othenvise noted,atacs and crawl space areas were not accessed.The appraiser did not move fumiture,floor coverings or other items that may restrict the viewing of the properry. 9.Appraisals involving hypotheocal condieons related ro completion of new construction,repairs or alteration are based on the assumption that such completion,altera6on or repairs wili be competentty performed. 10.Unless the intended use of this appraisal specifically includes issues of properry insurance coverage,this appraisal should not be used for such purposes.Reproducuon or Replacement cost figures used in the cost approach are for valuaGOn purposes only,given the intended use of the assignment.The Definitlon of Value used in ihis assignment is unlikely to be consistent with the definiUOn of Insurable Value for properry insurance coverageluse. 11.The ACI General Purpose Appraisal Report(GPARTM)is not intended for use in transactions that require aFannie Mae 1004/Freddie Mac 70 form, also known as the UnKorm Residential Appraisal Report(URAR). Additional Comments Related To Scope Of work,Assumptions and limiting Conditions `��... ,. .. PraEUceEUCngAClsoM1ware.eW23a,8121wwxaaweb.cam ThiStamCO4YM9ht�ZW5�2010ACI01N5iono�I50G01m55mke5.Inc..AlIR5�6AeServeO. Pa¢3 0l 4 (gPAR^')GenLVal PIYpoSe Appra6al R¢pm(05�2010 GPAR100d iaosz�mio Summary Residential Appraisai Report Fi1eNO. 13-0218 Appraiser's Certification 7he appraiser(s)certfies that,to the best of the appraiser's knowledge and belief: 1.The statements of fact contained in this report are true and correct. 2.The reported analyses,opinions,and conclusions are limited only by the reported assump6ons and limiting condi6ons and are the appraiser's personal,imparaal,and unbiased professional analyses,opinions,and conclusions. 3.Unless othenvise stated,the appraiser has no present or prospecove interest in the properry that is the suhject o(this report and has no personal interest with respect ro the parues involved. 4.7he appraiser has no bias with respect ro the properry ihat is the subject of this report or ro the paroes involved with this assignment. 5.The appraiser's engagement in this assignment was not contingent upon developing or reporung predetermined resul4s. 6.The appraiser's compensauon for compleung this assignment is not conUngent upon the development or reporBng of a predetermined value or directan in value that havors the cause of the client,ihe amount of Ihe value opinion,the attainmem of a sapulated result,or ihe occurrence of a subsequent event direcdy related to the inrended use of this appraisal. 7.The appraiser's analyses,opinions,and conclusions were developed,and this report has been prepared,in conformiry with the Uniform Slandards of Professional Appraisal Pracuce. 8.Unless othenvise noted,the appraiser has made a personal inspecuon of the properry that is the subject of this report. 9.Unless noted below,no one provided significant real property appraisal assistance to the appraiser signing this certifica6on.Significant real properry appraisal assistance provided by: Addkional Cert'rfications: DefinitionofValue: �MarkMValue ❑OtherValue: Source of Defini6on: ADDRESS OFTHE PROPERTY APPRAISED: 1213 Stratford Drive Carlisle PA 17013-3569 EFFECTIVE DATE OF THE APPRAISAL:O8/07/2013 D.O.D APPRAISED VALUE OF THE SUBJECT PROPERTY$220.000 APPRAISER SUPERVISORY APPRAISER . % � � _ � � `�� � � a.�'� '� SignaNre: a�,,�„z !Yi'.f�% � * ''e r� '-/( Signawre: Name: Cassandra J Crockett �T— Name: Steven W.Barrett SRPA.SRA State Certificaeon# RL001348L '` state Cerefication a GA000298L or License# or License# or Other(describe): S[a[e#: Sqte: PA State: PA Expiration Date of Cerofica6on or�icense: 0 6/301201 5 Expiraaon Date of Ceruficanon or License: 06/30/2015 Date of Signawre: 09/03/2013 Da[e of Signature and Report: 09/03/2013 Date of Properry viewing: Date of Properry Viewing: 08/77/2013 Degree ot properry viewing: Degree of properry viewing: ❑Interior and E�aerior ❑Exrerior Only QX Did not personalty view XQ Interiar and Exterior ❑EMerior Only ❑Did not personally view - PratluceduvngAClmllwaze,800234.8127�w.w.acM'eb.com ThlslortnCap)nght6Hp5�2030ACipviSianotlSOGeImsS8Mtt5,InC..PIIRgh15Re5erveU Page 6 0l 4 (9PAR^')Gereral Purpo52 Appr3i531 Repwt 05201 �TM .,.. . GPPAS006_1005M2010 S.W.Barrett Real Estate 8 Appraisal Services • Summary USPAP ADDENDUM FiieNO. 13-0218 Borrower: Francis K RICHWINE Estate Property Address:1213 StratFord Drive City: Carlisle County: Cumberland State: PA Zip Code: 17013-3569 Lender: G.Michael Richwine Reasonable Exposure Time My opinion of a reasonable exposure time for the subject property at the market value stated in this report is:90-180 days. Additional Certifications Q I have performed NO services,as an appraiser or in any other capaciry,regarding the property that is the subject of this report within the three-year period immediatety preceding acceptance of this assignment. �I HAVE performed services,as an appraiser or in another capacity,regarding the properry that is the subject of this report within the three-year period immediately preceding acceptance of this assignment.Those services are described in the commenu below. Additional Comments APPRAISER: ^ SUPERVISORYAPP ISE�oA�j� C.�._—. > , .�" -�-�-- Signature: ,�.l1�r�"� �' � � �' Signature. Name: Cassandra J Crockett Name: Steven W.Barrett SRPA SRA Date Signed: 09/03/2013 Date Signed: 0910312013 State Certification#: RL001348L State Certification#: GA000298L or State License#: or State License#: or Other(describe): State#: S�te� PA 06/3012015 State: PA Expiration Date of Cer6ficalion or License: Expiration Date of Certification or License: 06/30/2015 Supervisory Appraiser inspection of Subject Properry: Effective Date of Appraisal:Auaust 7 2013 ❑Did Not ❑Exterior-only from sVeet ❑Interior and Exterior Prodirnl uvng ACI sOfRVare.�134.eT2]xwrv.aaueb.�m USP�12NT 05112L':2 ` FLOORPLAN SKETCH Clierlt: G.Michael Richwine File No.: 13-0278 Property Address 1213 Stratford Drive Case No.: ___ _ Ci :Carlisle State. PA Zi . 17013-3569 I--- - — --_-- - i --- ' , Eave storage ii W.t. � Bath ' BaM , W.I. o ���� �— Bedroom 0edroom �� Open Iaft �. 36' 2nd Fioor v 4' ��� �ov ' � Y v� '� �j,yy a3� f < ��jyv�%>Y U �^i a ` - ,Garage � � '� Kitchen � - '._ ' Dining Room � I — I � � � � ���7,-" W.I. �'. Bath � ' 24' �— ; Living Room Den/ gdrm Foyer Clst. -a 16' �, p' _ 16' �'�.G""' 6' Skelch byApm�MeAine"" Camments: AR�A C�4tCUl:ATt4)NS 9UMMARY LtVI1YG AREA BREAIEDOWIV � p,g��ptl�, Nee-sixa Netrotals sreakdown su►rtot�s GLSl Pirst lloor 1285.0 1285.0 11ret lloor GL71] Sacond Floor 720.0 720.0 43.0 x 15.0 645.0 p� p�aQe 576.0 596.0 2.0 x 16.0 32.0 p�p p�� 21.0 2.0 x 16.0 32.0 Batio 196.0 16.0 x 36.0 576.0 stoop 26.0 8ecom8 Floor etopy Zi,O 267.0 36.0 x 20.0 720.0 I Net LIVABLE Area (rounded) 2005 5 Items (rounded) 2005 SUBJECT PROPERTYPHOTO ADDENDUM Client: G Michael Richwine FiIB No.: 13-0218 PfopertV Address'1213 Stratford Drive Case No.: Ci :Carlisle State: PA Zi :17013-3569 FRONT VIEW OF SUBJECT PROPERTY Appraised Date:August�,2013 Appraised Value:$220,000 - --�_ ='- - - £ � - �� .�� �� .�� «�3� �f � � .�<���. � •,s,- „�„� -� c REAR VIEW OF `' SUBJECT PROPERTY 4 �i. � � � �. � i,��� STREETSCENE ��. __;.: �, � ,<. .�,`����.� � � � �,�.;'r� £�'";� ; �';�r�: � > - ��- �z ° �� � � ��� ��".� �°u! `��^ � � .��a€��:; �� � � - � �L.'. ��fi������ � � � � ����� �.�-`"�,.,R� �;��-��''✓.w -:'z2 .s,`, .�swrc ,'� ��«;�-,:. �, fi'`� �`�' �:�a� �;; _ '''�r�,� 5a �:;>K' u � �s �.f+a .�,,,�a��a � � ,a��"��'�^� � �,a-�����„ ,. � �'*`- �����.� - ����'a'�'. �- -� =��r� rr� Client: G.Michael Richwine File No.: 13-0218 Pro e Address:1213 Stratford Drive Case No.: CI :Carlisle State: PA Zi :17013-3569 _ t� _ � � __._ _ - left,garage �.., '_— --_"_ " eA y�. __ _........ }� C ��j�-_'_ 'i - �" _ .� � .� :��� •i � �� ..� ^ .� �� � `�� right _ '����,� :� g '- II P�aEUced�4ng AG SoRwa�e.8W.234.872]wxx.aaweb.Cam PHi3 05212J33 Client: G.Michael Richwine File No.: 13-0218 Property Address�1213 Stratford Drive Case No.: Ci :Carlisle State: PA Zi :17013-3569 '� opposite street view ,µ� '< � #� t * �Y ��&"-"s � ....,_,g.='=.. rear,garage s ; PraOUCeG u4ng PG solMare.800.23d.eR]wmr.aciwe0.[om PHi3 p5212017 ' COMPARABLE PROPERTYPHOTO ADDENDUM Client: G.Michael Rlchwine File No.: 13-0218 PropertV Address�1293 Stretford Drive Case No.: Ci :Carlisle State: PA Zi :77013-3569 - � ,� I �� � = �' ;� ` � � ��s �.� COMPARABLE SALE#1 �.. �:-�. p l.,� .' 719 Shervvood Drive Carlisle,Pa 17013 Sale Date:8I2013 Sale Price:$239,500 � �i r � <, `�� - � ��a^', �, .w COMPARABLE SALE#2 4��. � � � ; �.� k �;��� . 1200 Sadler Drive Carlisle,Pa 17013 -"`��'��' ; - Sale Date:412013 Sale Price:$240,000 COMPARABLE SALE#3 r.>�� ° �� ,�,y� _ b, „;z �� �,�� `' -� - 22 Stewart Drive � ��� ���� °� � ' Cariisle,Pa 17013 �� � � �—� Sale Date:4I2013 <. i;� -�;_ �, �� Sale Price:$247,000 _,n � �..,. r � ."� .E� ;�h, ;_.; , a ,� �'� ,rt F s �? � "".�: �,.s,r �,z „# s��' � a� _ ',m.- �-='_..__ � _. �. _ ,. � n � R;� � N y OO � m '� � � n ,r � � _ � o � � � ��� ; �����=N'� ; � � " " ��� , i � � ��� � > £<<�� ���'�� � D � � ��'�� � ��� ' � � N ? � �..���,��� ,i'' III o "� �` �� �'�p��"'I � � w ' `��� 1�� ° � � � { �� E � F�, . , � ���� ���7���� � � °�, z+ � A 3�� ' L, .�� �. �y������ _ �*^'� . b �^ �Fwk= � �'� ' �h'� ar ` ,�r�y ' ��„�^��s.�,:. a,z:� : A�"g !.v <�y ����'i. �;��c � .0 '4°� � � _�a��5�' j, �S : � � _ � �¢ l� ✓ .���I.. . •s � x� #���: I I � �` � � �� �� �' � . ��� � � - ..,� . � `5 � � t ��/ / 4 � �� rv!�i`� ! L� ��� 1 ��"� ay� �r N'. a�/'`� s�[QS�. , - . . ��* �Yd" �-§ f t� 0 # r � ���� � f ��, �l?�, ,, r E �.���` '�� r �`$: r',�` .�,'"a�, - ,�_"�y� _ '�'�a��.+�,"r��tt-m ;`�` C .(' '"� µ � �.�,.�s .. �G � � �� 5` �� } � � �, �iz= � � .�.3 _ `� �'a'�' ` y � �� �� a J.a,`:�� � �4 `�� �� � �' � � . \ �` LOCATION MAP Client: G.Michael Richwine File No.: 13-0218 Property Address�1213 Stratford Drive Case No.: Ci :Carlisle State: PA Zi :17013-3569 `1�°�" E Sc ....,, � R3: �° m s � � - s ,a C 5{ ` ¢ Sus,uX E7r � x ; i v : 4 N p M c v� PnnCetc:n�� .. A ..kie'G! �c G ^ � �74�� � ��t�., a' � �- �'� i = ..� Shanr�rn�.r� �` ° �, ,;�e d Comparahie Sale 3 � � °� 22 Stewart Dr ''� � Carlisle,PA 17013 ^ � [1.17 miles NNW) �'�� fr PPnnSC � � �' � 'N'N<rth 5; 'N PlOr;h Sc -� c C7 `,,,� ,- �, �^ '�r ,� "- � G� ��L'i � ,°, ,� `%: � t"' VU McxLFr St O Y O � r�G�pRq ? u N�;ou[herSC z � 4 u u �Nestrrtir-t:�r=�n-.ae=,-y . � ro z a W�autttrr St _.. . sst' _ _ Newville Rd W.High St sa� C+�c&;nuM,�c�ile�3e PS'�''e��� � � > � a � r � � ° v cn Z 9 i7 � 1^JSVUtFt$t � �n y > y m' Q C � `� O q � �4�� O (ltL � .� � i �$.t���,. �� � Walnui St `f.-5 � ���yt, �3A��� � �� T ,b; C��PJe � �'� =' ,�`,. �`�`� �e "� � �� a � P- �C ,�°'�,u " . �;c�� �' � 'z' 41i1!SS+=�z P* : a' � �a p�� r � .. .�e� � � � w Q �� ��'`-: a �zt7t f hiO ,� �'¢ i"" ,�. �� c �.��~' e Comparable Sale 1 � � � � _�" � c 719 Sherwood Dr � � �^��� �;" ;�" � pc �� Garfisle,PA 17013 m �a, �a� r '" �r � � 5ubject ,� '4 (0.25 miles E) ^ ��.. �v CarlsletrPAord013 ��°`4�4 �' �� � � Y c � ? �� � �u4� ;" �- .,r-�1tfA--'�- � � r�;w: 45..e - �-e. . ...k., ... �.�.,�.,,�,�_..�----;---^'°""'_. ��, _.,._..�_,�.�,.-.:. �T!*_...,�.� �,� .,�..' R - °:�—^ .�.�..,._1�'��-�v� ..,��q�xlW'�=� � ,�„�. ..t��b.z�^,,,..., > � 9[ � .N.. � �a��5� 4 � �'JS ;rt P Rd 0.�`.r.a � a '? ,S�s11,�3 �' -� .Y , � `,v � p 2 c: � �:� r: � ,� N�::?<<�a� ; � �.a� , AcreDr 5 � _ _ �b 60`�`�`{, �� Comparabie Sale 2 Sprtr„•i>; ��' �`�g`'�� �-� � 1200 Sadler Dr ����� ' - Carlisle,PA 17013 �:,y u�� {0.67 miles SE) F• '= .. N�t�'� qP. � �. '- ._ � � - ��.i�'t . ._ .� . . _ . � �� G.ES,mtle �" '�:iri ^�;. ' - I r\ . . '=x-,• '- . .-.. File No.13-0218 *********QUALIFICATIONS***"***** The following checked items are SPECIFIC SPECIAL CONDITIONS that were identified by this appraise�during the inspection of the subject property,the comparables sales,a�d their neighborhoods and locations. Unless othervvise noted,the conditions that apply to the subject property or the comparable sales used DO NOT AFFECT THE MARKET VALUE OR THE FUTURE MARKETABILITY OF THE SUBJECT PROPERTY BEING APPRAISED. This is not a home inspection service. This is an appraisal to estimate market value. _7. The subject is Iocated in a rural area and is less than 25%built-up. x 2. Commercial/industrial uses are located within the subjecYs neighborhood. These uses are typical of similar neighborhoods. x 3. Vacant and undeveloped land uses are located within the subjecYs neighborhood. These uses are typical for the area. 4. The predominant value in the neighborhood is less than that of the market value of the subject property. This is due to the very wide range of value of properties i�the area and superior quality of the subject property. _5. The subject property is Iocated in a F.E.M.A.Identifled Flood Zone. Flood insurance coverage is required and suggested. 6. Dampness is noted in the basement of the subject. Standing or running water was not present on basement floor. This condition is considered typical in dwellings of this style. _7. The subject property is serviced by private well and/or septic systems which is common for the area. x 8. The subject is older than five(5)years. AII mechanicai systems including the heating,electrical and plumbing systems appear upon a visual exterior inspectlon to be in working order. No warranties are implied in this statement. 9. Repair items were noted in the comments section of the report. These comments on repair items are for descriptive purposes only and are not required repairs. The items listed are cosmetic in nature. 10. The basement floor is a dirt floor. This condition is common and typicai for the area.and does not pose a health or safety hazard. 11. The subject property does contain functional obsolescence as noted in the report. This condition is considered typical and common for the area and this style dwelling. 12. The land value exceeds 30%of totai value due to the high demand for vacant land in this neighborhood. This conditio�is considered common and typical for the neighborhood. 13. The land value exceeds 30%of total value. This is due to the large size of the site. This condition is considered to be typical and common. 14. Individual adjustments were required that exceed 75%. These adjustments were required due to lack of more similar comparables on that individual rating. All comparables used are the best available. 15. Total adjustments exceed 25%. This is due to the lack of comparable sales that were more similar in the subjecYs market area. Aii comparables used are the best available. 76. One or more comparable sales are older than six(6)months. Although there are comparable properties in the subject's area,none have sold recently; therefore,sales in excess of six(6)months have to be used. All comparables used are the best available. x 17. One or more comparables used were in excess of one(1)mile from the subject property. Although there are comparable properties in the immediate area,none have sold recently. Therefore,it was necessary to use comparable sales outside of the immediate area. All comparables used are located in similar neighborhoods and within the same marketing area. Ail comparables used are the best available. 18. The electricai system was not connected during inspection. 19. The water service was not connected during inspection. _20. The heating system was shut down during inspection. _21. Roofing_Plumbing_Electrical_Heating_ce�tification(s)is/are suggested. 22. Inground swimming pool_,out buildings are included ,not included_according to lender's guidelines. _23. According to lender's guidelines a maximum of acres were considered for this valuation. Remaining acreage was given no value. File No.13-0218 *""******QUALIFICATIONS***'"***** _24. The subject property is located on a private road. _25. Wood infestation inspection is suggested. x 26. Last recorded deed transfer: Date 4/18/1985 ,Consideration:$27,000 _27. Proposed construction/renovation in accordance to plans and specifications to be compieted in a workma�-like manner. _28. Seller is paying part or all of closing costs. _x_29. All comparable sales are verified closed sales. x 30. There are no special conditions or other requirements that would affect market value or future marketability in the Appraisal Report. _37. AMC fee was required in order to accept this appraisal request. File No.13-0218 *�*******QUALIFICATIONS****"*�"* Confidentiality and Security Policy We consider privacy to be fundamental to our relationship with clients. We are committed to maintaining the confldentiality,integrity and security of clients'personal information. Intemal policies have been developed to protect this confidentiality,while allowing client needs to be served. We restrict access to personal information to authorized individuals who need to know this information to comply with federal standards to protect your nonpublic personal information. We do not disclose this information about you or any former consumers or customers to anyone,except as permitted by law. The law permits us to share this information with our affiliates. The law also permits us to share this information with companies that perform marketing. When we share nonpublic information referred to above,the information is made available for limited purposes and under controlled circumstances. We require third parties to comply with our standards for security and confientiality. We do not permit use of consumer/customer information for any other purpose nor do we permit third parties to rent, sell,trade or otherwise release or disclose information to any other party. Education As of the date of this report,I and/or Steven W.Barrett,SRPA,SRA,ASA have completed the requirements under the co�tinuing education program of the Appraisal Institute and the American Society of Appraisers. ... , ROWE'S AUCTION SERVICE 2505 RITNER HIGHWAY CARLISLE,PA 17015 717-249-1978 To: G. Michael Richwine 2224 West 17th Street Wilmington, Delaware 19806 From: William G. Rowe Rowe's Auction Service 2505 Ritner Highway Carlisle, PA 17015 Re: Personal Property Appraisal Estate of Fracis K. Richwine 1213 Stratford Street Carlisle, PA 17013 Date: September 5,2013 DINING ROOM $650.00 Dining room set $50.00 Wall hangings $45.00 Glassware $450.00 Silverware-m+scellaneous sterling flatware $60.00 China $120.00 Costume jewelry Miscellaneous household $20.00 Set of plank chairs throughout house $80.00 Military medals-family value only $0.00 Closet-miscellaneous household $35.00 KITCHEN $500.00 Dry sink $30.00 Kitchen wares Pots/pans $75.00 Antique dishes $30.00 Miscellaneous household �20.00 FOYER Washstand $165.00 Lamp $50.00 Rug $30.00 Milk can $20.00 LIVING ROOM $350.00 Dry sink $150.00 Desk Pair of chairs/foot stool $160.00 Coffee table $125.00 Sofa $200.00 Clock $75.00 Mirror $100.00 Stands{3)/lamps $145.00 Recliner-wom, no value $0.00 Richwine Appraisal 1 09/05/2013 , T.V. $65.00 Books/shelf $45.00 DEN Computer/old desk --no value $0.00 Chest of drawers-Hepplewhite $500.00 Clock $50.00 Mirror $175.00 Sofa $85.00 Wali hangings $50.00 Office chair $50.00 Tool box $100.00 Closet-linens,etc. $65.00 Stands(2)/lamps $100.00 Rocker $50.00 Copper boiler $20.00 T.V. $40.00 Miscellaneous household $20.00 STAIRWAY/LOFT AREA Quilts(2) $150.00 Books $140.00 Wall hangings $45.00 Desk $85.00 Computer $30.00 Safe $65.00 File cabinet $30.00 BEDROOM Bed $100.00 Small table $50.00 Drop-leaf table $60.00 Lamps $40.00 Candle stand $15.00 Wall hangings $40.00 Bookshelf/books $65.00 Chairs-upholstered(2) $25.00 Table $15.00 Chest of drawers $300.00 Mirror $30.00 Screen $10.00 Washstand $85.00 Closet-linens $15.00 BEDROOM Bedroom set $400.00 Wall hangings $20.00 Lamps $10.00 Sofa $40.00 Table $100.00 Rocker $85.00 Blanket box $150.00 Storage area-household $20.00 Richwine Appraisal 2 09/05/2013 • , BASEMENT $85.00 Pew $50.00 Kitchen cabinet $35.00 Trunk $40.00 Cedar chest $50.00 Trunks $40.00 Wine bottle-large $0.00 Chair-upholstered,no value $35.00 Chair-upholstered $15.00 Desk $80.00 Miscellaneous household $40.00 Bicycles $35.00 Double ladder $40.00 Sewing machine-antique $120.00 Tool cabinet/tools $40.00 Lawn mower $100.00 Snow blower $25.00 Cabinet $35.00 Ladders OUTSIDE $25.00 Grills(2) $85.00 Patio fumiture $20.00 Miscellaneous garage tools-garden tools GUNS $160.00 Remington 12 ga pump mode1870 $115.00 Stevens 12 ga dbl mode1235 $65.00 Stevens Springfield 22 model 56 $150.00 US Springfietd 45/70 model 1884 $75.00 Mauser GEW 98 1916 bolt $25.00 French bayo�et $25.00 German bayonet $25.00 German bayonet $20.00 US bayonet-rusty $35.00 US saber $85.00 German saber $65.00 German dagger TOTAL $9,210.00 William G. Rowe � � Richwine Appraisal 3 09/05/2013 Kelley Blue Book Page 1 of 2 Ketley Blue Book The Trusted Resource . � '�`-�� Frrro+Yt�wRa�os .. adverUSement ... ........ . why ads? .��,�,,,. Your Blue Bookm Value ��� � 2003 Lincoln Town Car f ' Style:Signature Sedan 4D � Mileage:40000 Trade-In Value ? Excellent � � $5,977 '� Vehicle Highlights ;�, ,�--_----------- ___ _.__._------- ------_�.._ ____.__---_�_________--- -- � fGood MPG:Ciry 16/Hwy 23 Max Seating:6 ` �5,6�2 Doors:4 Engine:V8,4.6 Liter Drivetrain:RWD Transmission:Automatic 4 ; EPA Class:Large Cars Body Style:Sedan YOUP COIIfIgUI'@d OptIdl7SCountry of Origin:United States Country of Assembly:United States ': _� __.__. -----_-- -- --____..v___.�_J Our pre-selected options,based on typical equipment for this car. ✓Opdons that you added while configuring this car. Engine Comfort and Convenience Seats V8,4.6 Liber Air Conditioning Dual Power Seats Tronsmission Power Wir�ows Leather AutomatiC �We���� Wheds and Tires Drivetrain Cruise Control Alby Wheels RWD S�� Braki�g and Traction Power Steering Traction Control Tilt Wheel ABS(4-Wheel) EnEertainment and Instrumentation AM/FM Stereo Cassette CD(Single Disc) Premium Sound Safety and Security Dual Air Bags Side Air Bags httn://www.kbb.com/lincoln/town-cax/2003-lincoln-town-car/si�nature-sedan-4d/?pricetyp... 8/15/2013 � h Ewing Brothers Funeral Home, Inc. 630 South Hanover Street Carlisle, PA 17013 (717)243-2421 August 13, 2013 G. Michael Richwine 2224 W. 17th Street Wilmington, DE 19806 The Funeral Service for Francis K. Richwine We sincerely appreciate the confidence you have placed in us and will continue to assist you in every way we can. Please feei free to contact us if you have any questions in regard to this statement. THE FOLLOWING IS AN ITEMIZED STATEMENT OF THE SERVICES,FACILITIES,AUTOMOTIVE EQUIPMENT, AND MERCHANDISE THAT YOU SELECTED WHEN MAKING THE FUNERAL ARRANGEMENTS. Professional Services Basic Sarvices of PA L.F.D. 1,300.00 Bathing and Embalming 895.00 Other Preparation of Deceased 295.00 Basic Use of Facility 250.00 Documentation Prep/Recording 325.00 FD/Staff Supervision View/VisiUService 375.00 Facility/Equip View/Visit/Service 375.00 FD/Staff for Interment Service 125.00 ----------------- - ---- Total Professional Services �'����� Equipment 295.00 Transfer Deceased to Funeral Home Hearse Usage 295.00 Safety/Lead Vehicle 135.00 Utility Vehicle 135.00 -------------------�b��0---- Total Equipment Merchandise 20G Spartan Silver Casket 1,400.00 #12 Guardian OBC w/Setup 1,395.00 Register Book 40.00 Memorial Folders 85.00 10.00 Thank You Notes -----------------2,S3��a---- Total Merchandise Selected AT THE TIME FUNERAL ARRANGEMENTS WERE MADE,WE ADVANCED CERTAIN PAYMENTS TO OTHERS AS AN ACCOMMODATION. THE FOLLOWING IS AN ACCOUNTING FOR THOSE CHARGES. Cash Advances Cemetery Grave Open&Close 600.00 The Sentinel Obituary w.Photo 679.48 The Patriot Obituary w.Photo 1,146.88 Clergy Honorarium 250.00 Death Certificates 60.00 Flowers 159.00 ��7 �� ZC i� --------- ------�;�g���---- � �, 3 i Total Cash Advances ��j SALES TAX 0.00 _ /� � �u,�►.`�l �� i 1 SUB-TOTAL 10,625.36 INITIAL PAYMENT/DISCOUNT/CREDITS 0.00 TOTAL AMOLJNT DUE 10,625.36 The unpaid balance over 30 days is subjected to a 1 %service charge per month- 12%per annum. Page � ' Ewing Brothers Funeral Home, Inc. ,,� �� 630 South Hanover Street 11, Carlisle,PA 17013 �f� ���� (717)243-2421 �� �� August 31, 2013 � G. Michael Richwine 2224 W. 17th Street Wilmington, DE 19806 The Funeral Service for Francis K. Richwine We sincerely appreciate the confidence you have placed in us and will continue to assist you in every way we can. Please feel free to contact us if you have any questions in regard to this statement. THE FOLLOWING IS AN I'TEMIZED STATEMENT OF THE SERVICES,FACILITIES,AUTOMOTIVE EQUIPMENT, AND MERCHANDISE THA'I'YOU SELECTED WHEN MAKING THE FUNERAL ARRANGEMENTS. Professional Services Basic Services of PA L.F.D. 1,300.00 Bathing and Embalming 895.00 Other Preparation of Deceased 295.00 Basic Use of Facility 250.00 Documentation Prep/Recording 325.00 FD/Staff Supervision View/Visit/Service 375.00 Facility/Equip View/Visit/Service 375.00 FD/Staff for Interment Service 125.00 -----------------3;Sdt��a---- Total Professional Services Equipment Transfer Deceased to Funeral Home 295.00 Hearse Usage 295.00 Safety/Lead Vehicle 135.00 Utility Vehicle 135.00 -------------------�bi�6a---- Total Equipment Merchandise 20G Spartan Silver Casket 1,400.00 #12 Guardian OBC w/Setup 1,395.00 Register Book 40.00 Memorial Folders 85.00 Thank You Notes 10.00 Total Merchandise Selected -----------------2;�3i��Sa---- AT THE TIME FUNERAL ARRANGEMENTS WERE MADE,WE ADVANCED CERTAIN PAYMENTS TO OTHERS AS AN ACCOMMODATION. THE FOLLOWING IS AN ACCOUNTING FOR THOSE CHARGES. Cash Advances Cemetery Grave Open&Close 600.00 The Sentinel Obituary w.Photo 679.48 The Patriot Obituary w.Photo 1,146.88 Clergy Honorarium 250.00 Death Certificates 60.00 Flowers 159.00 -----------------2;59���---- Total Cash Advances SALES TAX 0.00 ��e� ���sz-- � . SUB-TOTAL 10,625.36 _ � �ti��� INITIAL PAYMENT/DISCOLJNT/CREDITS 2,895.30 = Y� �� TOTAL AMOUNT DUE 7,730.06 p �� � � (�L� . � ` �v Q�1�`°��^� ' i-!c�''+`�Gc 1Y``j.Cp(L-�� The unpaid balance over 30 days is subjected to a 1 %service charge per month- 12%per annum. v�- Page � � � � � . �j � �O ��p� �L��� _ / � ��� ar--d� A L�-- r-e�'C�r �_ LPti,,Q(- �� 19 � �-e N�� `�S �'t ZG /3e Ct1�.s--� �c e���'a � Department of Veterans Affairs Cumberland County 18 N. Hanover Street, Suite 103 Carlisle, PA 17013-3079 Neal J. Delisanti � °� �UMeF 717-240-6178 Director = � 1-888-697-0371 ' i Fax: 717-240-6570 0 " ' � ° Email: ndelisanti@ccpa.net Sharon L. McLaughlin Assistant i�so October 2, 2013 Michael Richwine 2224 W. 17�' Street Wilmington, DE 19806 Dear Mr. Richwine: On behalf of the Cumberland County Honor Guard please accept our grateful appreciation for your generous donation of$500 for our funeral honors we rendered for your father. The Horior Guard is an all-volunteer organization that conducts military funeral honors for Cumberland County veterans. We provide veterans a dignified and professional final tribute in appreciation for their service at no cost to the veteran's family. We also participate in local Patriotic events and assist veterans with transportation to medical appointments. It is through your generosity that we are able to support our operations. Your contribution will be used to defray the costs of our uniforms, ammunition, maintenance �f our�c�uirment and fuel. Once again,thank you for your support of the Cumberland County Honor Guard. 1 Very Re ect �y, 1 ; �� • , ea J. � i � Directo 1 4 ✓r����' `4. / / Y. �, GE Capital Invest Direct ��``°- GE Interest Plus P.O. Box 534021 Pittsburgh,PA 15253-4021 (800)433-4480 www.GECapital I nvestDi rect.com GEORGE MICHAEL RICHWINE, EXECUTOR ESTATE OF FRANCIS KOST RICHWINE 2224 WEST 17TH STREET WILMINGTON, DE 19806 September 25, 2013 �?P: _r,E �n.*erest PI'_15 �!?�i?Strpary� �.Cl:iin�; in �Q6C Dear Requestor, This letter serves as confirmation of the date of death balance for the above referenced investment. • The balance on 8/7/13 was$155,602.26 . . Interest accrued on the date of death was$990.94 YTD. In order to close the investment,we require the following: ���t: �s�..� � .e_. �-;:• ,� "�:� , ` , .,;,..�„ . Individual Joint Custodian(UGMA/UTMA) Letter of Instruction Letter of Instruction Letter of Instruction Letter of Instruction;signed • Notarized • Notarized by trustee/successor trustee • Notarized . Notarized . Authentication • Authentication • Authentication Documentation* Documentation* Documentation* • Authentication Documentation* Certified Copy of Death Certified Copy of Death Certified copy of Death Certified Copy of Death C�rtifica*e Certificate Certificate Certificate Affidavit of Domicile Affidavit of Domicile Affidavit of Domicile Affidavit of Domicile Preferred: Letter of Testamentary Preferred: letter of Testamentary Letter of Testamentary • Not Required Letter of Testamentary • Not Required i fn iieu oi—we wiii accepc: +r.:.��u c`•—w2:r!!a�ceF«: . Small Estate Affidavit • Small Estate Affidavit . Short Certificate • Short Certificate Completed and Signed W-9 Completed and Signed W-9 Completed and Signed W-9 Completed and Signed W-9 Additional Requirements: Additional Requirements: Additional Requirements: Additional Requirements: Not Applicable Not Applicable If there is an identified • If there is a successor custodian to replace the trustee,we must have a deceased custodian: copy of the trust and . Birth Certificate of Minor any amendments(if . Affidavit designating an applicable). adult family member as the custodian *Authentication Documentation-Valid/Non-Expired State Driver's License,State ID;Passport or Passport Card If you have questions or need assistance, please contact us at our toll-free number(800)433-4480. Representatives are available to assist you on business days from 8:00 AM to 7:00 PM Eastern Time. Sincerely, GE Capital Invest Direct ` � ' Prospectus Supplement GE Capital GE Interest Pius � � INVESTMENT NUMBER:93508243557060 � Invest Direct PAGE 1 OF 2 Under $15,000 to $50,000 to Over $15,000 $49,999.99 $5 Million $5 Million 25203 SH BG218002 Date Rate Rate Rate Rate* FRANCIS RICHWINE,GEORGE RICHWINE TTEES pg/��/2012 1.00 1.05 1 .10 .25 FRANCIS KOST RICHWINE REVOCABLE 06/13/2000 *The portion of your investment that is>$5 Million will eam a rate of GEORGE MICHAEL RICHWINE TTEES .25%. 1213 STRATFORD DR CARLISLE, PA 17013 MANAGE YOUR INVESTMENT ONLINE AT WWW.GECAPITALINVESTDIRECT.COM. LOG IN TO VIEW YOUR BALANCE,ACTIVITY AND CHECK IMAGES,INITIATE TRANSFERS, OPT-IN FOR ESTATEMENTS,AND UPDATE YOUR PROFILE.NOT REGISTERED FOR ESERVICE?SIMPLY CLICK ON"REGISTER NOW"AND FOLLOW THE INSTRUCTIONS PROVIDED. Summary of Investments, Interest, and Redemptions for the period: AUGUST 1,2013 THROUGH AUGUST 31, 2013 Opening Balance Investments interest Redemptions Other Charges Closing Balance $155,602.26 $0.00 $145.43 $0.00 $0.00 $155,747.69 � Date Type of Activity Amount Balance Information � 08/30/2013 REF:0000004429000 MTD INT POSTED TRANS 08/30/2013 $145.43 $155,747.69 Current GE Interest C Plus Rates and = Investment � Information: � 1-800-433-4480 � 24 hours/ 7 days/ � week � � Service - Representatives: � 1-8�-433-4480, � business days, � 8:00 AM to 7:00 PM = ET. � ACH Transfers: ABA#043302493 Wire Transfers: ABA#043000261 � lh v Online Services: c www.GECapitallnvestDire `;' ct.com � c 0 Summary of Year Interest this Period Total Interest Year-to-0ate Tax Withheld Tax Withheld YTD � Interest Invested 20�3 $145.43 $1,136.37 $0.00 $0.00 , z The investments in the GE Interest Plus Notes identified in this statement were made pursuant to a registered public offering. z Cut along this line � z -�----�-----------••---------•-----•--�•-----------------�----------••------------------°--------•----------•-------�-----------------.....-----•---------------------•------�-�-------....----------....------• � Additional Investment Form � � i � GE Capital FRANCIS RICHWINE,GEORGE RICHWINE TTEES Date: / / G � Invest Direct FRANCIS KOST RICHWINE REVOCABLE Check(s)Enclosed � Make checks payable to: $ � GE Interest Plus � a � Mail check�s)and this form to: p�ease note that investments 4 made by check may not be Total GE Capi tal Invest Di r'eCt redeemed for 7 business days. GE Interest Pl us Checks received are subject to P. 0. Box 534020 collection and to the provisions DO NOT SEND CASH Pi ttsburgh, PA 15253-4020 ofthe Uniform Commercial Code. Note:The PO Box and zip is different for deoosits than for corresaondence. 9 3 5�9 2 4 3 5 5 7 0(�0 �... � . � . � . . . PO Box 8656 Boston MA 02266-8656 October 8,2013 GEORGE MICHAEL RICHWINE 2224 W 17TH ST WILMINGTON DE 19806-2424 REFERENCE: 07151357 HIGHLAND FUNDS GEORGE MICHAEL RICHWINE TTEE FRANCIS KOST RICHWINE TRUST U/A DTD 06/13/2000 Dear Mr. Richwine: We are writing at your request in connection with the status of the above referenced account in the Highland Funds. At this time,we wish to offer our condolences for your loss. On August 7,2013,this account held 200.426 shares. The price per share of the Fund on that date was $30.76. Therefore,the value of the account on the specified date was $6,165.10. Please be advised in your future correspondence to sign in your capacity as Trustee. If you have any further questions or require additional assistance,please call a Shareholder Services Representative toll-free at 1-877-665-1287. They are available to help you Monday through Friday, from 8:00 A.M.to 6:00 P.M., Eastern Time. To obtain more information you may also visit our web site at www.highlandfunds.com. Sincerely, Shareholder Services Representative �. ,.,;gr� �dFunds Qua�terly Statement c10 .on Financial Data Services 07/01/1.,...:�ugh 09/30/13 Page 1 of2 • PO Box 8656 Boston,MA 02266-8656 Contacting Us MB 01 007549 52928 B 41 A � INVESTOR SERVICES GEORGE MICNAEL RICHWINE TTEE � 1.877.665.1287 FRANCIS KOST RICHWINE TRUST M-F 8a.m.to 6p.m.�ET* U/A DTD 06/13/2000 ON THE INTERNET � 2224 W 17TH ST L� � WILMINGTON DE 1 9806-2424 �� www.highlandfunds.com N email:info�highlandfunds.com � '�"'IIII'I�II�����I�I�I�III�II'i'IIIII�IIIII'lllll'I�IIIIIII'lll � BYMAIL Highland Funds c!o Boston Financial Data Services PO Box 8656 Boston,MA 02266-8656 f�ortfolio At—a-Glance Thissectionsummarizestheending Market Value as af 09/3Q/13 $fi,257.30 marketvalue and percentage of current assets by investmenttype.A diverse Quarter-to-Date Year-to-Date portfolio may provide less risk and Opening Value $5,706.13 $5,128.90 reliable returns overtime. + Purchases 0.00 0.00 + Reinvested Income 0.00 0.00 - Retlemptions 0.00 0.00 .... - Withholdings 0.00 0.00 +/- Change in Value 551.17 1,128.40 Closing Value $6,257.30 �6.257.30 f�ortfolio Summary Fund Name-Fund/Account# Change Closing Value 8aginning Value Reinvested _ as o{07/�?/93 + Pirrchases + Irtcome - Redemptions - Withholdings +J- in Value - as of 09/30/13 NON-RETIREMENT ACCOUNT(S► Highland Premier Grov+r�h Equity Fund A-4761/8000149420 $5,706.13 $0.00 $0.00 $0.00 $0.00 $551.17 $6,257.30 - $6,257.30 Total Accounts W: � � August 19, 2013 G Michael Richwine 2224 W 17�' St Wilmington DE 19806 RE: Francis K Richwine SSN: 166-14-5587 DOD: 08/07/2013 Dear Sir/Madam: In response to your request for Date of Death (DOD) balances for the customer noted above, our records show the following: Checking Account Account# 5005468617 Established: 07/24/2009 FRANCIS KOST RICHWINE TRT FRANCIS RICHWINE TTEE GEORGE MICHAEL RICHWINE TTEE URTAD 03/13/2000 DOD balance: $337,889.30 + 0.00 accrued interest Savings Account Account# 5003265787 Established: 07!31/2000 FRANCIS KOST RICHWINE TRT FRANCIS RICHVVINE TTEE GF,ORGE MICHAEI, RICHWINE TTEE URTAD 03/13/2000 DOD balance: $74,656.99 + 0.24 accrued interest Please note that this office provides date of death balances for deposit accounts(IRAs, CDs, Checking and Savings). We do not process any financial transactions or provide statements. If you need assistance with any of these items,please call 1-888-PNC-BANK(1-888-762-2265)or stop by your local PNC Bank branch office. Sincerely, National Financial Services Center PNC Bank,N.A. Member FDIC Page 1 of 2 Perfoi'�nance Checking tatement �PNCBANK PNC Bank Primary acxount number:50-0546-8617 Page 1 of 4 For tla p�d 07/08/Z013 to 08/07/2015 Number of enclosures:0 000363 For 24hour banking,and transaction or � FRANCIS KOST RICHWINE TRT �irrterest rate information,sign on to FRANCIS RICHWINE TTEE PNC BankOnline Banking at pnc.00m. GEORGE MICHAEL RICHWINE TTEE 'a Forcustomerservicecaill-888-PNC-BANK Monday-Friday: 7 AM-10 PM ET URTAD 03/13/2000 Saturday&Sunday: BAM-5PMET 1213 STRATFORD DR CARLISLE PA 17013-3569 ParaservicioenespaRol,1-866-HOLA-PNC MorinsT Please contact us at 1-888-PNC-BANK �Write to:Customer Servioe PO Box 609 P'ittsburgh PA 15230-9738 �V isit us at pnc.com � TDDterminal:t-800-531-1648 For hearfr►g impaired clienrs only Francis Kost Richwine Trt pA�OMlance Checldng Francis Richwine f7'EE Interest Checlung Account Summa�y George Michael Richwine TTEE URTAD 03/13/2000 A000uM numb�r: 50-0548-8677 pYOrtlratt protootlon has not been established for this account. Please oontad us if you would like to set up this service• pY��a}t Co��ray�-Your account is currentlyOptod-Out. You or your joint owner may revolae your opt-in or opt-out choice at any time. To learn more about PNC Overdraft Solutions visit us oniine at pnc.com/ovardrsftsolutiona. Cell 1-877-588-3806,viait any branch,or Sign on to PNC Onlins Banking,and aelect tha"Ovsrdreft Solutiona"link under ths Aceount Services section to manage both your Ovsrdraft Coverage and Overdraft Protection settinga. Balancs Summary Beginning Deposfts and Checks and other Endinq balanca other additfons deductfons ��e^� 819,926.18 28,495.58 5,582.41 887,889.80 Avera9e moMhly Chargas balanee and tees 927,279.51 -� Transaction Summa�y Checks peid/ Check Card POS Chack CarcLBankosrd withdrawals si9nad tronsactions POS PIN tronsactfons 10 0 0 Total ATM PNC Bank Other Bank transactfons ATM transactions ATM trensactions 0 � � As of 08/07,a totat of$Z7 AZ in interest was Interest Stlmina� paidthisyear. Annual Percentags Number oi days Avera9e co��actod IMersst Pald Yield Eamed(APYE► In irrterest porlod balance for APYE this period 0.01% 30 927,272.55 �•69 614�kE��ti Performance Checking '�atement `°�' Fo�!hs psriod 07/08/Z01S to 08/07/2013 �For 24hour information,sign on to PNC Bank Online Banking FRANCIS KOST RICHWINE TRT on pnc.com. Primary account number:50-0546-8617 Page 2 of 4 Accouat number:50-0546-8617-continued A�ctivity D•tail There were 9 Deposits and Other Additions Deposib and Olher Additions totalin9�23.4ss�e. Data Amount Descriptlon D7/22 13,082.99 Deposit Reference No. 520769904 �8/Ol 2,816.00 Direct Deposit-Xxva Benef US Treasury 310 XXXXX5587 0010 �S/Ol 2,816.00 Direct Deposit-DFAS-Cleveland �S/Ol 1,724.44 Direct Deposit-Ret Net DFAS-Cleveland XXXXX5587 �8/Ol 1,247.24 Direct Deposit-GE.Pension General Electric XXXXX��CXX0100 )S/Ol 69.00 Direct Deposit-GE.Pension General Electric 1� )8/02 1,428.00 Direct Deposit-Xxsoc Sec SSA Treas 910 XXXXX5587A )S/05 309.82 Deposit Reference No. 520140927 )8/07 2.69 Interest Payment IDh�cks and Substitut� Checks Check Date Referencs ;heck Date Reference Amount paid number �umber Amount pafd numbar number l24 8,081.48 07/24 08536fi969 190 858.24 07/22 084115794 �26* 146.28 07/18 oa57�sos 133 * 146.28 08/07 085636499 t27 388.00 07/17 520519012 134 566.94 08/06 084578109 «S 74.12 07/17 oa�;a5272a 1�5 186.88 OS/06 osas5sa47 t29 100.00 07/23 oatss42ss 196 1$2.53 08/05 oasss75oo 'Gap in checksequence There were 10 checks listed totaling S5.Z30J0. There were 4 Online or Electronic Banking �nline and �s�atronic Banlong Deductions Dedudionstotaling S3o1.71. ��e AmouM Descrlptlon 17/17 10.00 Direct Payment-Member Pay Pla Fit Carlisle XXXXX9866 �7/18 92.73 Payment,E-Check Bill Pyrnt Centurylink 125 �'7�2� 69.39 Direct Paytnent-Ins Bill Armed Forces Ins Ixuan�c9002 ►S/05 189.59 Payment,E-Gheck Checkpaycnt PNC 187 )aily Balanos Dstail ytQ Balsnce Date Balance Date Balance Data Balanee �7 09 319,926.13 07/22 391,929.76 OS/Ol 937,420.96 08/06 998,032.89 �7/17 319,454.01 07/28 381,829.76 OS/02 33$,848.96 08/07 337,889.30 �7/18 319,275.00 07/24 828,74828 OS/05 988,756.66 t'G'+�: � Performance Checkin�, �tatement �PNCBANIC For ths psriod 08/08/2013 to 08/08/2013 �For 24hour information,sign on to PNC Bank Online Banking FRANCIS KOST RICHWINE TRT on pnc.com. Primary account number:50-0546-8677 Account number:50-0546-8617-continued Page 3 of 4 Online and �ectronic Banidng Deductions -continued Date AmouM Descriptioa 09/03 63.04 Payment,E-Check Checkpaymt PNC 156 09/04 2,816.00 Direct Payment-Reversal DFA�Cleveland 09/04 1,724.44 Direct Payment-Reversal DFAS-Cleveland XX��XXfi587 Other Deduclians There was 1 Other Deduction totaling $.83. Date Amount Description 09/09 .83 Interest Wittiholding Daily Balance Detail Date Balance Date Balance Date Batance Date Balance OS/08 �;7,38J.30 08/36 331,118_13 OS/23 327,406.58 09/03 331,579A1 08/09 337,347.99 08/19 331,037.13 08/26 327,339.55 09/04 327,038.57 OS/12 336,347.99 08/21 328,046.53 08/29 327,176.61 09/09 326,966.47 08/15 332,964.13 08/22 327,564.73 OS/30 331,642.05 G�".� � � Reviewing Your Statement Please review this statement carefully and reconcile it with your records. Call the telephone number on the upper right side of the first page of this statement if: ' you have any questions regarding your account(s); • your name or address is incorrect; • you have any questions regarding interest paid to an interest-bearing account. Balancing Your Account Update Your Account Register Compare: The activity detail section of your statement to your account register. Cheek Off: All items in your account register that also appear on your statement. Remember to begin with the ending date of your last statement. (An astensk {*}will appear in the Checks section if there is a gap in the listing of consecutive check numbers.) Add to Your Aeeount Reglster Any deposits or additions including interest payments and ATM or electronic deposits Balance: listed on the statement that are not already entered in your register. Subtraet From Your Aeeount Any account deductions including fees and ATM or electronic deductions listed on the Register Balance: statement that are not already entered in your register. Update Your Statement Information Step 1: Step 2: C��ck Ilf�n�r�r Add together Date of Depoait Amou� Add together oea.cci..nescr;peis■ Amount deposits and checks and other other additions deductions listed listed in your in your account account register register but not on but not on your your statement. statement. Total A Step 3: Enter the ending balance recorded on your statement $ Add deposits and other additions not recorded Total A+ $ Subtotal= $ Subtract checks and other deductions not recorded Total B- $ The result should equal your account register balance = $ r.�a�s Verification of Direct Deposits Co verify whether a direct deposit or other transfer to your account has oecurred,call us Monday-Friday:7 AM- 10 PM ET and Saturday 4c Sunday: 8 AM -5 PM ET at the customer service number listed on the upper right side of the first page of this statement. In Case of Errors or Questions About Your Electronic Transfers Celephone us at the customer service number listed on the upper right side of the first page of this statement or write us at PNC Bank Check �ard Services,500 First Avenue,4th Floor,Mailstop P7-PFSC-04-M,Pittsburgh,PA 1�219 as soon as you can,if you think your statement �r receipt is wrong or if you need more information about a transfer on the statement or receipt.We must hear from you no later than 60 iays after we sent you the FIRST statement on which the error or problem appeared. (1}Tell us your name and account number(if any). (2)Describe the error or the transfer you are unsure about,and explain as clearly as you can why you believe it is an error or why you need more information. (�)Tell us the dollar amount of the suspected error. �Ve will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this,we will �rovisionally credit your account for the amount you think is in error,so that you will have use of the money during the time it akes us to complete our investigation. �lember FDIC LJ Equal Housing Lender � � Premium Money Mar�, _� Statement , �PNCBANK PNC Bank Primary acxount number:50-0326-5787 Page 1 of 3 For the period 07/06/2013 to 09/06/Z013 Number of enclosures:0 000417 For 24hour banking,and transaction or � FRANCIS KOST RICHWI NE TRT �interest rate information,sign on to GEORGE MICHAEL RICHWINE TTEE PNC BankOnline Banking at pnc.com. URTAD 03/13/2000 'a Forcustomerserviceca111-888-PNC-BANK 1213 STRATFORD DR Monday-F�iday:7 AM-10 PM ET Saturday&Sunday: 8 AM-5 PM ET CARLISLE PA 17013-3569 Para servicio en espa�fol, 7-866-HOLA-PNC �Ilorin�t Please contaat us at 1-888-PNC-BANK �Write to:Customer Service PO Box 609 Pittsburgh PA'i 5230-9738 �Visit us at PNC.com � TDDterminal:1-800-537-1648 Eor hearing unpaired clients only IMPORTANT ACCOUNT INFORMATION The information below amends the Account Agreement for Personal Checking,Savings and Money Market Accounts.Please read this information and retain it with your records. Disputing Information Reported to ChexSystems We may report information about you and your account(s)to ChexSystems.If you believe that the information that PNC Bank is fumishing to ChexSystems is inaccurate or incomplete,you have the right to file a dispute with ChexSystems by writing to:Chex Systerns,Inc.,7805 Hudson Road,Suite 100,Woodbury,MN SS125,or faxing it to:602-659-2197. Your correspondence should include the following information: >Your name,address and Social Security Number >Your account number >The information being reported that you believe is inaccurate or incomplete >Any supporting documentation,such as account statements,letters,etc. >A copy of tt►e ChexSystems report,if available You may also dispute the iafotmation that PNC Bank is fumishing to ChexSystems by submitting your dispute with the above information to: PNC Bank Attn:DRU P.O.Box 464,Louisville KY 40201-0464. � Francis Kost Richwine Trt ��1I��� ��1llp!�� ��I�'��9,� �A������ ����!�'� i;eorge Michaa9 Richwirae 1'��E AccouM numqor: 50-032Fr5787 URTAd 03/13/2000 pyordratt Covongo-Your account is currentlyOptod-Out. You or your joint owner may revoke your opt-in or opt-out choice at any time. To learn more about PNC Overdraft Solutiona visit us onli�e at pnc.com/o�erdraftsolutions. Call t-877-588-3605,visit any branch,or Sign on to PNC Online Banking,and select the"Overdraft Solutions"link under the Account Services section to manage both your Overdraft Coverage and Overdraft Protection settinga. Balance Summary Beginning Deposits and Checks and other Ending balance other additions deductions balance 74,649.13 15.47 2.13 74,662.47 Average moMhly Charges balance and fees 74,657.16 •� �� Premium Money Market��tatement �' For the period 07/06/2013 to 08/06J2013 �For 24-hour information,sign on to PNC BankOnline Banking FRANCIS KOST RICHWINE TRT Primary account num6er:50-0326-5787 on pnc.com. Page 2 of 3 ��ount number:50-0326-5787-continued As of 09/06,a total of$74.26 in interest was Interest Summary paid this year. Annual Percentage Number of days Averege collected Interest Paid Yield Earned(APYE) in interest period balance for APYE this period 0.12% 63 74,653.20 15.4fi Withholding Interest earned Withholding this period year-to-date year-to-date 2.13 74.26 2.13 /�Ct1V1� ��1� Deposits and Olher Additions There were 2 Deposits and Other Additions totaling$15A7. Date Amount Description 08/OFi 7.86 Interest Payment py�06 i.r�i Interest Payment Othe� Deductions There was 1 Other Deduction totaling $Z.13. Date Amount Description 09/d6 2.13 Interest Withholding Daily Balance Detail Date Balance Date Balance Date Balance 07;'06 74,6491� 08/06 74,656.99 09/06 74,662.�7 �� �� Investment Sta.�ment US�� August 1 to August 31, 2013 USAA Financial www.usaacom Advisors, Inc 7—800-531-8722 (USAA) 02994.1292R.JSS698088868.05.01.4059 P.O. BOX 659453 San Antonio, TX 78265 FRANCIS K RICHWINE AND GEORGE MICHAEL RICHWINE TTEES Brokerage account t3905070 FRANCIS KOST RICHWINE TRUST U/A DTD 06/13/00 EST OF FRANCIS K RICHWINE 1213 STRATFORD DRIVE Member number 000406632 Member since 1957 CARLISLE PA 17013-3569 A duplicate of this statement has been sent to GEORGE MICHAEL RICHWINE Portfolio Summary ::.;:;::.:.::.:.>:.;::.:.:.:::;;::;.::::.:.:::.;�::;:.: ;:.::;: 'T,���l;::partf�l�a� �vaEu,� :: ��,�ia �rf���n��e � Portfolio value S 1,609,079. 15 g�,800,00 July 31, 2013 Change in portfolio value —45,56Q.31 5�,350,00 $900,00 Total portfolio value $1,563,518.84 August 31, 2013 $aso,00 S 2009 2010 2011 2012 2013 ......_................. ................................................. _.......................................___.. ::�±c��t�tio:::;a�loicat�ar�::;;: .............. ... ..... . ... .. .... .. ... . Value on % of August 31, 2013 portfolio Mid cap stockslfun Large cap StoCks/funds 5867,725.64 55. 12 7ax exempt bondslfunds ''�;'� ` Mid cap stocks/funds 149,663.68 9.57 �"��"�� � � Tax exempt bonds/funds 182,478.58 1 1.67 Large �aP stockslfunds Cash/money market fundS 369,650.94 23.64 Cashlmoney market fun Total portfolio value $1,563,518.84 100.00% USAA Brokerage Services is a division of USAA Financial Advisors,Inc., P�ease review this statsment and noGfy us of a�y inaccuracies within 10 days. member FINRAISIPC. USAA Financial Advisors,Inc.accounts are carried by Oral communications should be re-confirmed in writing to protect your rights, an affiliate,USAA Investment Management Company,membe�FINRAISIPC. including righb under the Securities Investor Protection Act�SIPA). For details on the information in this statement,see"About Your Account". � � � Portfolio Summar � uS�A August 1 to August 31, 2013 � Page 2 of 7 � � � . � ::. Port�+�!�Ia ��ti�i�r.s�r�t��� P+t��+t�ie� ���i�� su�i r��r�y� : � > .. ;.: _ _... .... .... ....... .. :.. . � _. ........ � This period Year to date This period Year to date � � "'� Portfoli0 value S 1,609,079. 15 Taxable dividends 0.00 2,342.07 �.. Tax exempt dividends 584.39 4,414.87 � July 31, 2013 Qualified dividends 899.56 13,981.68 Other aGt�vity -581.05 -S6,732.58 Earnings 1,483.95 20,738.62 Change �� market value -46,463.21 Total $1,483.95 $20,738.62 Totai ortfolio value $1,563,518.84 These earnings are subject to adjustment after year end and p should not be used for tax reporting. August 37, 2013 Qualified dividends - see "About your account" located at the end of this document l�vu asked, �re IESten�ci� ; : V�e'r� ��r�n��n� �r�l�s , :. -_.... _.. ....._.. .... : . . ........... ... . We now offer Deposit@Home and Deposit�Mobile for We offer complimentary advice and make available a investments. Eligible non-retirement investment account types comprehensive range of banking, insurance, investment and include brokerage, mutual funds, and managed money health-care products designed to help you plan for portfolias. You must quatity for this service; for eligibility retiremert. Talk to a USAA retirement specialist today at requirements visit usaa.corn. 800-472-8722. Better planning begins now. M.01292R.004059.00OS.00OI.O.S.Z.00OJSS698U88868.BRP.USAA.0130901.T0035.JBR458WC.POI.S001_02994_kC 11 1.AFP � Brokerage Accou.._ 13905070 US A w m August 1 to August 31, 2013 /,w Page 3 of 7 Asset Management Account ��m����� ��e� : Current commission level is: Piatinum FRANCIS K RICHWINE AND You have executed 0 trades GEORGE MICHAEL RICHWINE TTEES Please visit usaa.com to see the current commission FRANC�S KOST RICHWINE TRUST U/A DTD 06/13/00 schedule. Brokerage Summary ;: : ����,rt�a�t ; This aeriod Year to date Unrealized gain/lloss) 5575,520.57 LT Not applicable 2,208.60 ST Not appiica6le The gain/ (loss) on your current portfolio is only informational and should not be used for tax reporting. LT—long term: assets held for more than 1 year. ST—short term: assets held for 1 year or less. Balances and Holdings Please contact USAA at 800-531—USAA if your ControllAffiliated status has changed. Control/Aftiliated person includes directors, officers, owners of more than 10% of the firm's outstanding stock, and family members of these groups. For your detai�ed cost basis information on realized and unrealized gains (losses) see page 06 . C — Cash account, S — Short account, M — Margin account, MM — Money market account, O — Other accounts. Please go to usaa.com to see the current dividend data. �5�1 �lr�t����'� Current rate 7—da ield Balance USAA TAX EXEMPT MONEY MARKET — 0.0109'o S369,650.94 ��x� m�rtr�al f�n� -- f�n�d r�raii�l�e�tpt��: Large cap stocks/funds Acct S mbol/Descri tion T e Quantit Price Market value USPRX C 11,064.895 S23.3800 5258,697.24 USAA S&P 500 INDEX REWARD SHARES � Brokerage Accoun 3905070 � uc�° August 1 to August 31, 2013 ----- '� Page 4 of 7 ,� � � � � —.--- � s--- Mid cap Stocks/funds � Acct Svmbol/Description Type Quantity Price Market value �� USMIX C 9,369.889 515.9400 S149,356.03 � USAA EXTENDED MARKETS INDEX Tax exempt bonds/funds Acct Svmbol/Description Type Quantity Price Market value USATX C 5,685.353 S13.0000 573,909.58 USAA TAX EXEMPT INTERMEDIATE TERM USTEX C 6,686.328 12.8000 85,584.99 USAA TAX EXEMPT LONG TERM USSTX C 2,148.039 10.7000 22,984.01 USAA TAX EXEMPT SHORT TERM Total tax exempt bonds/funds 182,478.58 Total USAA mutual funds – fund marketplace $590,531.85 _ ___ _.__ __. ._ ._.. - _. .... ._...... _.......__.._. _ . _ ____ ... _. . __..... . . . . ....... .. .._..__ ._. _..._.. ...._... Equ�tieslother e�tct�ange tracfec� ;halc�'ing� Large cap stockslfunds Acct Symbol/Description Type Quantity Price Market value GE C 19,655.000 S23.1400 S454,816.70 GENERAL ELEC CO PNC C 1,698.000 72.2700 122,714.46 PNC BK CORP PRU C 100.000 74.8800 7,488.00 PRUDENTIAL FINL INC VZ C 296.000 47.3800 14,024.48 VERIZON COMMUNICATIONS WFC C 97.000 41.0800 3,984.76 WELLS FARGO & COMPANY Total large cap stocks/funds 603,028.40 Mid cap stocks/funds Acct Symbol/Description Type Quantity Price Market value FTR C 71.051 $4.3300 S307.65 FRONTIER COMMUNICATfONS CORP Small cap stocks/funds Acct Symbol/Description Type Quantity Price Market vafue FRCMQ� C 5.000 N/A 50.00 FAIRPOINT COMMUNICATIONS INC Total equities/other exchange traded holdings $6U3,336.05 �1CtIVlt�/ _ _____ _ ..__ . __. __ .____ _. ._. . . _ _. . ___.. __ ____ . __ .. . . f�Con .:ir�d� :activii� I.01292R.004059.0005.0002.O.S.L.00OJSS698088868.BRP.USAA.U130901.T0035.JBR458WC.PO1.S001 02994 MC 11 1.AFP �� Brokerage Accour .3905070 uc�� August 1 to August 31, 20 7 3 '� Page 5 of 7 Reinvestments Acct �mbol/Description Type Date Quantitv Price Amount USATX C 08/01/13 17.725 S 13.1900 - 5233.79 USAA TAX EXEMPT INTERMEDIATE TERM USTEX C 08/01/13 23.875 13.0800 -3�2.2g USAA TAX EXEMPT LONG TERM USSTX C 08/01/13 3.259 10.7300 -34.97 ��SAA TAX EXEMPT SHORT TERM Total reinvestments - $581.05 Total non trade activity - $581.05 �8Ef1lf1�S,.:<:::.:;::::,...;...::...:.:;.: Tax exempt dividends Acct Svmbol/Description TXRe Date Quantity Amount USATX C OS/O 1/13 - 5233.79 USAA TAX EXEMPT INTERMEDIATE TERM USTEX C 08/01/13 - 3�2•Z9 USAA TAX EXEMPT LONG TERM USSTX C 08/01/13 - 34.97 USAA TAX EXEMPT SHORT TERM USEXX MM 08/30/13 - 3.34 USAA TAX EXEMPT MONEY MARKET .009009'008/01-09/02 Averaae dailv balance S369529 Total tax exempt dividends $584.39 Qualified dividends Acct Symboi/Description Type Date Quantity Amount VZ C OS/01!13 296.000 S 152.44 VERIZON COMMUNICATIONS PNC C 08/05/13 1,698.000 747.1 Z PNG BK CORP Total qualified dividends $899.56 Total earnings $1,483.95 �`;'� Brokerage Acco� 13905070 � w��o August 1 to August �1, 2013 � U�t�/�► Page 6 of 7 � r �— � � � � COSt BaSIS � � Please v�sit www.usaa.com for specific lot information. � See "Abaut your accounY' page for detailed information. +�General Wash Sale Rule: A loss from the sale or disposition of stock or securities is not immediate�y deductible if, within a period beginnin9 30 days before the date of the sale and ending 30 days after the date of the sale, the taxpayer acquires substantially identical stock or securities. See 'About your accounY page for more information. Covered securities represent shares acquired after certain effective dates mandated by new IRS regulations. USAA is required to report basis related information to the IRS on Form 1099—B, along with gross proceeds, on the sale of these securities. On your statement, USAA denotes covered securities with a "c." Noncovered securities represent shares acquired before certain effective dates mandated by new IRS regulations. For shares that were acquired before the new law, USAA will not report to the IRS any basis related information on the sale of these securities but witl continue to provide basis informat�on to assist mambers in compiling tax information. On your staternent, USAA denotes noncovered securities with an "n." '.�r1��lIZ�::.g�lAf��d3S� USAA mutual funds-fund marketplace Date Unreali z ed Svmbol acquired Quantity Cost basis_ Market value 9ain/(loss)* USAA S&P 500 INDEX REWARD USPRX Various c 10 326 419 $186 118•49 $241,431.67 lT $55,313.10 SHARES Various c 738 476 15 299 76 17.285.58 ST 1.965.79 11,064.895 $201,418.25 $258,697.24 $57,278.88 USAA EXTENDED MARKETS INDEX USMIX Various c 9 174 209 $115 063.24 5148,236.89 LT �31,173.58_ Various c 195 B80 2 537 03 3.7 79.13 ST 582.10 9,369.889 $717,600.27 $149,356.03 $37,756.68 USAA TAX EXEMPT INTERMEDIATE USATX Various c 5 505 337 S69 879.28 $71 569.38 LT �1,689.82_ TERM Various c 180 016 2 453 33 2.340.20 ST (113.18) 5.685.353 $72,332.59 $73.909.b8 $1,576.64 USAA TAX EXEMPT LONG TERM USTEX Various c 6 455 629 $85 390.40 $82.632.05 LT $(2,758.61i Various c 230 699 3 174 21 2.952.945T (221.31) 8,686.328 $88.564.61 �85.584.99 �(2,979.82) USAA TAX EXEMPT SHORT TERM USSTX Various c 2 110 195 $22 282 74 $22 579.08 LT $298.11 — Various c 37 844 409 68 404.93 ST (4.801 2.148.039 $22.692.42 $22.984.01 $291.31 Total USAA mutual fu�ds-fund marketplace $502,608.14 $590,531.85 $87,922.80 Equities/other exchange traded holdings Date Unreali z ed Svmbol acquired Quantitv Cost basis_ Market value aain/lloss)* GENERAL ELEC CO GE 05106/00 n 78,000.000 546,536.32 5416,520.00 LT $389,983 68 04/25I07 � 1 655 000 16 985 84 38 296 70 LT 21 310 86 19,666.000 $63,522.16 $454,816.70 $391,294.54 PNC BK CORP PNC 11f23192 n 622.000 $2,989.25 $44,951.941T $41,962.69 07/24109 n 1 076 000 26 913 02 77.762.52 LT 50.649.50 1,698.000 $29,902.27 $122,714.46 $92,812.19 I.01292R.004059.0005.0003.O.S.2.00OJS5698088868.BRP.USAA.D130901.T0035.JBR458WC.PO1.S001 02994 NC 11 1.AFP � Brokerage Acco4. 13905070 us�m August 1 to August 3 7, 2013 Page 7 of 7 Date Unreali z ed SYmbol acquired Quantity Cost basis Market value aain/(loss)+� PRUDENTIAL FINL INC PRU 11/25f02 n 100.000 $545.18 $7,488.00 LT $6,942.82 VERIZON COMMUNICATIONS VZ 08l01/09 n 296.000 $8,090.40 $14,024.48 LT $5,934.08 WELLS FARGO & COMPANY WFC 09I25109 n 97.000 $10,986.93 $3,984.761T $(7,002.17) FRONTIER COMMUNICATIONS CORP FTR 08/01/09 n 71.051 $440.21 $307.651T $(132.56) FAIRPOINT COMMUNICATIONS INC FRCMQ• O7/16/09 n 5.000 $42.33 $0.00�T �(42.33) Total equitieslother exchange traded holdings $113,529.48 $603,336.05 $489,606.57 ,, ��� About your acco�. ` August 1 to August 31, 2013 V$�° About your account Customer free credit bafances are not segregated and may be USAA Brokerage Services Cost Basis Information:USAA used in the business of this firm subject to regulatory Brokerage Services maintains member's investment tax—basis limitations. The customer has the right to receive, during information. "Basis" for income tax purposes, is used to normal business hours, the following: determine any realized gain or loss on the sale or exchange a) any free credit balances to which he or she is entitled; of investment property. To determine tax—basis of a b) any fully—paid securities to which he or she is entitled; particular security, begin with the original acquisition cost and and adjust for additional purchases, reinvested dividends, stock c) any securities purchased on margin upon full payment by splits, liquidations and other related transactions. the customer of any indebtedness to this firm. When selling securities other than mutual funds, USAA will If this is a Margin Account, this is a combined statement of use First—In, First—Out (FIFO) unless you specified another your general account and of a special miscellaneous account permissible lot relief inethod (LRM). LRM is used to maintained for you by regulation. The permanent record of determine the order in which shares wi�l be sold first when the separate account as required by regulation is available you own mulitple lots and you are selling less than your upon request. entire position. This ordering of which shares should sell first can have a substantial impact on the amount of your If you have sold securities which you do not own under the gain or loss. Permissible lot relief inethods are: short sale rule, we have, in accordance with regulations, segregated the proceeds from such transactions into your First—In, First—Out (FIFO) — This method will result in those Short Sale Account. Any market increases and/or decreases lots which you purchased first to be sold first. will be transferred to your Margin Account weekly. The daily closing price is used in determining any appreciation or Last—In, First—Out (LIFO) — This method will result in those depreciation of the securities sold short. lots which you purchased last to be sold first. If options are traded in this account, it is the customer's Highest—fn, First—Out (HIFO) — This method will result in responsibility to inform the brokerage firm of any change in those lots with the highest cost to be sold first. investment objectives or financial situation. Also, exercise notices for option contracts are allocated among customer Minimize Taxable Gains (MinTax) — This method will allow the short positions pursuant to a manua� procedure which system to determine the best lot(s) to sell to minimize your randomly selects those contracts from among customer short after tax gains, thus lowering your tax burden. option positions established on the day of assignment Maximum Gains (MaxGain) — This method will sell lot(s) first All short option positions are liable for assignment at any that would realize the largest gain. This strategy should be time. Commissions and other charges incurred in connection used with care since its ultimate effect may increase taxable with the execution of option transactions have been included income. in confirmations of those transactions. A summary of this information will be made available upon request. Versus Purchase — This method allows specific lot selection against available lots. Lost Certificates: If certificates are lost by USAA IMCO, we will replace them at no charge if reported to us within six To determine which LRM is best suited for your specific months of the mailing date. If the certificates are held by situation, please consult with your tax advisor. you and are lost, you will need to contact the issuing Transfer Agent directly. For open—ended mutual fund, USAA Brokerage Services uses � the Single Category Average Cost Basis method as our In any transaction marked as 'Dividend Reinvestment, USAA default LRM. Average Cost (Avg Cost), averages the total cost IMCO acted as agent / of your mutual fund position across all of your tax lots for that same fund. For tax reporting purposes, careful Portfolio Summary: Summary Information from all of the consideration is necessary before using this method. individual accounts held in the registration. Beginning in 2012, investors will be able to establish different LRMs for mutual fund shares. Average cost basis is USAA Mutual Fund assets held outside of your brokerage not applicable to money market funds. account (that may be reported on your statement) are not For securities considered covered by new IRS regulations, covered by SIPC. USAA is required to report basis related information along aualified Dividends: Refers to dividends that may be W�th gross proceeds on the sale of these securities to the eligible for the 15% or 59'o capital gains rates. See IRS IRS on Form 1099—B. publication 550 for more information. For securities considered noncovered under new IRS regulations, USAA is required to report gross proceeds on N/A: Not Applicable; The accurate valuation information is Form 1099-8• Your cost basis information will not be not available. reported to the IRS but is provided to you for informational purposes only. Basis has been calculated using information � About your acca � '� ` August 1 to Aug�. . 31, 2013 � us�0 � � r� � � prov�ded by you and/or from transactions occurring in your The USAA Investment Management Company Statement of � acco�ht. We have not independently verified this information Financial Condition for the time pe�iad covered by the most �: and its accuracy cannot be guaranteed. Contact your tax recent audit report is available for examination at our � advi5a� concerning your specific situation. principal offices located at 9800 F�edericksburg Road, San .� Antonio. Texas, 78288, and at the Fort Worth Regional .r�. If "P�ease provide" appears in the Cost Basis column under Office of the Securities and Exchange Commission located at � the Gost Basis Realized gain/(loss) or Unrealized gain/(loss) Burnett Plaza, Suite 1900, 801 Cherry Street, Unit 18, Fort section of your statement, our system does not have the Worth, Texas 76102. information needed to calculate cost basis. If you would like to provide your cost basis information to us, please do so by accessing usaacom. Due to processing timing differences, for certain transactions, the realized and unrealized gains/(losses) may not reflect current information. Securities acquired by reason of divorce, separation, gitt or inheritance involve special cost basis determination rules. Because of the complexity of rules related to these and other forms of transfers, contact your tax advisor concerning your specific siivation and/or IRS Fubl�cation 551, Basis of Assets, to determine the tax—basis of property received. General Wash Sale Rule : A loss from the sale or disposition of stock or securities is not immediately deductible it, within a period beginning 30 days before the date of the sale and ending 30 days after the date of the sale, the taxpayer acquires substantially identical stock or securities. The disallowed loss is added to the basis ot the replacement shares deferring utilization of the loss until those shares are sold in a non—wash sale transaction. The wash sale rules apply only for losses; gains resulting from wash sales are taxable in the year of sale. Any deferred loss resulting from a wash sale transaction must be reported to the IRS when involving covered securities bought and sold in the same account and involving identical securities. For Original Issue Discount (O1D1 Securities: USAA Brokerage Services will not adjust cost basis for any securities that require the amortization such as discount or premium, which include OIDs. USAA will provide you with a 1099—OID at year—end, which may be used to assist you in tracking the cost basis for these types of securities. Contact your tax advisor concerning your sPecitic situation. Non—deposit investment products are not insured by the Federa6 Deposit fnsurance Corporation ("FDIC"), are not deposits or other obligations of, or gwaranteed by USAA � Federal Savings Bank or USAA Savings Bank, are subject to investment risk, and may lose value. The USAA Federal Savings Bank Money Market Account is a deposit of, is provided by, and held by USAA Federal Savings Bank, Member FDIC, and is not held as a position in your brokerage account.USAA Investment Manageme�t Company, USAA Financial Advisors, Inc. and USAA Federal Savings Bank are separate but affiliated companies. �� �'e kno� what� i� rr�eans �o s�rve:� �„�5ry'\ {HSURAtfC@ • BANKING + 1NYE9tMENYS + R#XfRElAEHY � AOYICE L.01292R.004059.0005.0005.1.8.Z.00OJSS698088868.BRP.USAA.D130901.T0035.JBR458WC.PO1.S001 02994 MC 11_1.AFP i i m.� a oo c� V tn tn >R O �rj � �'�� b� r' M f�D ��� ~ � � � -6 I.n LC) � � �o� � f!3 �� � Z � � O M <p �_ �� A N O� '_ , � C .J '� F.t') r- (p � O c0 � Q N Q" � � + tA It1) O �- a `'' m � ~ ' r r � 3 � u� F- ['li '� v3 � � f� � � m � �+ Q S u� F �, b C � o.g tu � r � � � ~ • � v o � N �� Z ° N raoi �n T �m Q �' r r in a>�: � o � � �a m Z � � = � = a o`�a � � w Uz � — o N �' M O p� r-vr O O O .. . .. � � . . � � N CO . r � �.R. ..tA SD f� . . .� U � � � � � ^ �'� �t M � V � S ds .�3 c� ZY d = a � U � Ze� M [t $ °o, °o, o c'�'o, � :�'^ rn ►� u�i `� �' a° O O O O O �� O � M �O p ° � � °`" m o°io 0 ° � ; c� c� ch � I.� a' F11 � � o � � °o � m m� co � _ .$ ... 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'� �� . , � � � �� M ut u a I Fu n�J July O1,2013 to September 30,2013 I��vestment Statement Pagelof S � AccountAccess www.geam.com � CustomerServiceCenter 800-242-0134 8:30 a.m.to 8:00 p.m.ET SH-000566-GEQ-GEQ4PA01 GE Mutual Funds FRANCIS K RICHWINE & P.O.Box9838 G MICHAEL RICHWINE TTEES Providence,R102940 FRANCIS KOST RICHWINE TRUST � Deolerinformation U/A DTD 06/13/2000 GEINVESTMENTDISTRIBUTORSINC 1213 STRATFORD DR 1600SUMMERST CARLISLE PA 1 701 3-3569 STAMFORDCT06905-5125 News from GE Mutual Funds looking for year-end capital gains distribution estimates?Estimate information will be posted to our website at www.geam.com on or about Novemberl5,2013.This information wiil represent year-to-date income as of October 31,2013.Please be aware that this information is for informational purposes only and that the actual amounts,which will include the distnbutionsto be made in December 2013,may be different from these esti mates. Investment Allocation Asset Class Fund Name fund% Value(S) � Domestic Growth ElfunTrusts fund 896 $120,628.40 Damestic Growth GE S&S U.S.Equity Fund 3696 $510,816.53 Domestic Growth 4496 5631,444.93 ...a. Dom�.rt;,;..��nwtt:«i�icome — Eli�m[?i�!�rsified Fund 1% E18,aza.os Domestic Growth&Income 196 518,424.08 — � Domestic Income Elfun Income fund 1896 Ez44,05539 Domestic Income ElfunTax Exempt Income Fund 19% $278,256.49 Domestic Income 37% 5522,311.88 . Money Market Elfun Money Market fund 496 E123,154.42 Money Market 996 5123,154.42 ■ International/Global Elfun International Equity Fund 9% $131,938.24 International/Global 996 5131,938.24 Totat Portfofio 100%0 $1,427�273.55 Investment Summary Account Value as of Value as of Fund Name _ _ __ fund# Account# Tupe 07/01/2013 09/30/2013 Elfun Money Market Fund 064 2100669957 TRUST $123,154.42 E1Z3,154.42 ElfunlncomeFund 092 2100669957 TRUST $241,673.17 SZaa,05539 Elfun International Equity Fund 093 2100669957 TRUST $119,535.41 $131,438.24 Elfun Diversified fund 094 2100664957 TRUST $17,524.68 $18,424.08 ElfunTrustsFund 095 2100669957 TRUST $110,796.62 $120,628.40 ElfunTaxExemptlncomeFund 096 2100669957 TRUST $281,088.86 $278,256.49 GE S&S U.S.Equity Fund 097 2100669957 TRUST $478,256.74 $510,816.53 / � r,� GEMutual Funds �u1y01,2013toSeptember30,2013 Investment Statement Page2of S Earnings Summary Long Term Short Term Dividends/ Fund Fund Name Account# Ca ital Gains Ca ital Gains Interest Yield Total Earnin s Elfun Money Market Fund 2100669957 $0.00 $0.00 $0.00 N/A $0.�0 Elfun Income Fund 2100669957 $0.00 $0.00 $4,397.87 3.310% $4,397.87 Elfun International Equity Fund 2100669957 $0.00 $0.00 $0.00 N/A b0.00 Elfun Diversified Fund 2100669957 50.00 $0.00 $0.00 N/A $0.00 ElfunTrustsFund 2100669957 $0.00 $0.00 $0.00 N/A $0.00 ElfunTaxExemptlncomeFund 2100669957 $0.00 �0.00 $8,860.68 4.217% $8,860.68 GES&SU.S.E uit Fund 2100669957 $0.00 0.00 $0.00 N!A $0.00 Year to Date Earnings Total as of 09/30/2013 $0.00 $0.00 513,258.55 $13,258.55 Investment Performance* fund Name Asset Class 1 Year 5 Year 10 Year Max Sales Charge Fund Expense Elfun Money Market Fund Money Market 0096 22% 1.7696 NIA 32% ElfunlncomeFund Domesticlncome -1.1096 5.67% 438°� N/A 2796 Elfun International Equity Fund International/Global 21.43% 3.80% 8.50;6 N/A 50% Elfun Diversified Fund Domestic Growth&Income 12.21% 6.38% 5.68°� N/A 52% ElfunTrustsFund DomesticGrowth 21.72% 11.31% 7.74% N/A 1996 ElfunTaxExemptlncomeFund Domesticlncome -3.63°,6 5.73% 4.26% N/A 18°� GE S&S U.S.E uit Fund Domestic Growth 23.59% 9.6696 7.64°� NIA 17% *The performance information contained in this statement represents past performonce and does not guarantee future results. Current performance may be higher or lowerthan the performance data shown. The investment return and principal value of an investment in the GE Mutual Funds will fluctuate,and the value of uour shares,�Uhen redeemed,cou!d be more or I�s;thar�their onginai ccst.PerQrmance information updated to the most recent month end is available at our website www.geam.com or by calling 800-24Z-0134. *The Fund Expense figures shown above represent the total operating expenses of the Fund share class,priorto any fee waivers or expense reimbursement,as provided in the respective Funds'most recent prospectus(or in the Supplemental Information for the S&S Program Fundsl. Investment Detail Registration: FRANCIS K RICHWINE& G MICHAEL RICHWINETTEES FRANCIS KOST RICHWINETRUST _ __.. _ __ _ U/A OTD 06/13/2000 Elfun Money Market Fund Fund/Account Number: 064/2100669957 Dividend Option: Reinvest Capital Gain Option: Reinvest Confirm Trade Date Date Transoction Descri tion Shares x Share Price = Dollar Amount 07/01/13 07/Ol/13 8eginning Balance 123,154.420 $1.00 b123,154.42 No Activity For This Reporting Period 09/30/13 09/30/13 Endinq Balance 123 154 420 $1.00 $123.154.42 � G E� M u tu a l F u n d� �uly 01,2013 to September 30,2013 I n�e5t�"n ent Statement Page3 of 5 �nvestm ent Deta i I cont. Registratior�� FRANCIS K RICHWINE& G MICHAEL RICHWINETTEES FRANCIS KOST RICHWINETRUST U/A DTD 06/13/2000 Elfun Income Fund Fund/Account Number: 092/2300669957 Dividend Option: Reinvest Capital Gain Option: Reinvest Current Cost Basis Method: Average Cost Single Category Confirm Trade Date Date Transaction Description _�hg[€s x Share Price = Dollar Amount 07/Ol(13 07/01/13 Beginning Balance ✓ 21,462.981 $11.26 E241,673.17 f�'� 2 � / 56.286 $11.31 $636.60 07/31/13 07/31/13 Dividend-Reinvest `�-� � :' � � I OS/30/13 08/30/13 Dividend-Reinvest 58.142 S11.Z0 5651.19 09/30(13 09/30/13 Dividend-Reinvest 58.707 $11.28 5662.21 09/30/13 09/30/13 Endinq Balance 21636.116 �11.28 5244.055.39 Registration: FRANCIS K RICHWINE& G MICHAEL RICHWINETfEES FRANCIS KOST RICHWINETRUST U/A DTD 06/13/2Q00 Elfun International Equity Fund Fund/Account Number: 093/2100669957 Dividend Option: Reinvest Capital Gain Option: Reinvest Current Cost Basis Method: Average Cost Single Category Canfiirm Trade Date Date Transaction Descri tion s x Share Price = Dollar Amount 07/Ol/13 07/01/13 8eginning Balance 6,327.973 $18.89 bi19,535.41 No Activity ForThis Reporting Penod ""'—F�� " 09/30/13 09/30/13 Endinq Bolance 6 327.973 S�•85 _ S131.938.24 Registration: fRANCIS K RICHWINE& G MICHAEI RICHWINETTEES FRANCIS KOSTRICHWINETRUST U/A DTD 06/13/2000 Elfun Oivel'si�ed Fund Fund/Account Number: 094/2100669957 Dividend Option: Reinvest Capital Gai�Option: Reinvest __ . _ _ _ . _ __ _ _ _ ._ _..._. . . _ --- - Current Cost Basis Method: Average Cost Single Category Confirm Trade Date Date Transaction Descri ion S es x Share Price = Dollar Amount 07/01113 07/Ol/13 Beginning Balance 908.485 E19.29 $17,524.68 NoActivity ForThis Reporting Period ��°`� 09/30/13 09/30/13 Endinq Balance 908.485 520.28 _ ___ 18 424.08 :� GEMutual Funds ���y01,2013toSeptember30,2013 Inve�tment Statement Page4of 5 Investment Detail cont. Registration; FRANCIS K RICHWINE& G M�CHAELRICHWINETTEES FRANCIS KOST RICHWINETRUST U/A DTD 06/1312000 Fund/Account Number: 095/2100669957 Elfun Trusts Fund Dividend Option: Reinvest Capital Gain Option: Reinvest Current Cost Basis Method: Average Cost Single Category Confirm Trade _,��5 x Share Price = Dollar Amount Date Date Transaction Descri tion Z,224385 ', �49.81 $110,746.62 07/O1/13 07/Ol/13 Beginning Balance � ___� No Activity ForThis Reporting Period 2 Z24.385 35�+.23 5120 628.40 09/30/13 09/30/13 Endin Balance As a reminderta our letter sent in early September,to those shareholders currently holding certificates in Elfun Trusts,Elfun Tax-Exempt Income and S&5 U.S. Equity Funds,please be aware that,in an effort to modernize and standardize our shareholder servicing processes,GE Mutual Funds is no lon9 errted and'theP harle awi I be depofsitedentolyour ac ou tlin eleclt otn cbb ok entry foam afterthe cl se of busin ss onrNo�v m�lber 8,201i3 ally be con Registration: FRANCIS K RICHWINE& G MICHAEL RICHWINETiEES FRANCIS KOST RICHWINETRUST U/A DTD 06/13/2000 Elfun Tax Exempt Income Fund fund/Account Number: 096/2300669957 Dividend Option: Reinvest Capital Gain Option: Reinvest Current Cost Basis Method: Average Cost Single Category Confirm Trade �.Shaces x Share Price = Dollar Amount Date Date Transaction Descri tion ,'"�Z4,08�.4�41''�, $11.67 $281,088.86 07/Ol/13 07/01/13 Beginning Balance ,..�,� �i�. �m j � o6.536 511.47 $942.57 07/31/13 �7131/13 Dividend-Reinvest ? 1 � �""`�`� $982.34 87319 $11.25 08/30/13 08/30/13 Dividend-Reinvest 84.096 $11.43 5961.22 09/30/13 09/30/13 Dividend-Reinvest Zq 3yy,400 511.43 $278 256.49 09/30/13 09/30/13 Endin Balonce As a reminderto our letter sent in early September,to those shareholders currently holding certiflcates in Elfun Trusts,€Ifun Tax-Exempt Income and S&5 U.S.Equity Funds,please be aware that,in an effort to modernize and standardize our shareholder servicing processes,GE Mutual Funds is no I on�verted a�d�theP hares will be dep sited intolyour accountlin elect otnicbbook entry fo8m afterthe clase of business onrNovemllber 8,2013�IIy be c . —. GEMutual FunGJ July01.2013toSeptember30,2013 Investment Statement PageSof 5 Investment Detail cont. Registration: FRANCIS K RICHWINE& G MICHAEL RICHWINETTEES FRANCIS KOST RICHWINETRUST U/A DTD 06/13/2000 GE S&S U.S.Equity Fufld Fund/Account Number: 097/2100669957 Dividend Option: Reinvest Capital Gain Option: Reinvest Current Cost Basis Method: Average Cost Single Category Confirm Trade Dute Date Transaction Description _Shacas--, x Share Price = Dollar Amount 07/01l13 07/Ol/13 BeginningBalance (�r'� 30�� 2.796e.,-1 $51.41 $478,256.74 No Activity ForThis Reporting Period �,,,,�„_,_.,.�.. 09/30/13 09/30/13 Endina Balance 9,302.796 554.91 5510.816.53 As a reminderto our letter sent in early September,to those shareholders currently holding certificates in Elfun Trusts,Elfun Tax-Exempt Income and 5&S U.S.Equity Funds,please be aware that,in an effo�t to modernize and standardize our shareholder servicing processes,GE Mutual Funds is no longer supporting physical shore certificates.Please return all certificates by November 8,2013.Any certificates not returned will automatically be converted and the shares will be deposited into your account in electronic,book entry form after the close of business on November 8,2013. *The FINRA Public Disclosure Program hotline numberis(8001289-9999. 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HOME iNVESTING 4EWS PERSONRL FiNANCE I MY PORTFOLIOS I EXCWSIVES Enter Symbol _ Sun,Oct 20,20'13,10-41A�1 EDT-U S MaMets closed Dow 0.78%Nasdaq 1.32'/ F•� Vanguand' p���. Elfun Income(EINFX) Add to Portfolio 11.36 0.0��o.os�io� o��,e Historical Prices Get HistoAcal Prices for. �ull GO Set Date Range �i Daily � Start Date: Aug 7 2013 Eg.Jan t,2010 ,yy�k�y ` Monthl ; End Date: Aug 7 2013 Y `: Dividends Only � • Get Prices . . First�Previous�Next�Last __ _ . _ __ _ _ _ _.. , � Prices + Date Open High Low Close Volume Adj Close* � � � Aug 7,2013 11.30 11.30 11.30 11.30 0 1124 'Close price adjusted for dividends and splits. First�Previous�NeM�Last '�Download to Spreadsheet Currency in USD. �? t ..:�-; Ad Topics That Might Interest You... 1.Stock Trading Lessons 5.High Interest Savings 2.Best Stocks to Buy 6.Hot Penny Stock Picks 3.Dividend Income Funds 7.Fixed Income Funds 4.Preferred Stocks for 2013 8.Top 5 Income Funds Feedback ads http://finance.yahoo.com/q/hp?s=EINFX&a=07&b=7&c=2013&d=07&e=7&f=2013&g=d 10/20/2013 , EG�.BX Historical Prices � Elfun International Equity Fund Stock- Yahoo! Finance Page 1 of 1 '��me Maii iVews Sports Finance ��feaiher Games Groups Answers Screen Flickr U1obile I Ulore _ Sign In �lail HOME � 1NVESTING NEWS PEf2SONAL PINANCE MY PORTPOLIOS EXCLUSIVES Enter Symbol _ Sun,Oct 20,20?3,10�42AM EDT-U S Markets closed DoW Q.18%Nasdaq 1.32q Elfun International Equity(EGLBX) Add to Portfolio 21.49 0.���o.so�ia� 0�,8 Historical Prices GM Historical Prices for: rlull GO Set Date Range i Daity StaR Date: Aug � 7 2013 Eg.Jan 1,2010 �'..:Weekly End Date: Aug 7 2013 Monthly Dividends ONy � Get Prices First�Previous�Next�Last _ ' Prices _ _ _ _ _._ _. Date Open High Low Close Volume Adj Close' Aug 7,2013 2023 20.23 20.23 20.23 0 20.23 'Close price adjusted for dividends and splits. First�Previous�Next�Last '�Download to Spreadsheet Currency in USD. Ad Topics That Might interest You... 1.High Dividend ETFs 5.Hot Penny Stock Picks 2.Stock Trading Lessons 6.Dividend Income Punds 3.Top 5 Income Funds 7,Top 10 Stock Picks 4.Prefened Stocks for 2013 8.High Interest Savings Feedback ads Copyright©2009 Yahoo!All rights reserved Quotes are real-time for NASDAQ,NVSE,and NYSE MKT See also delay times for other exchanges All mformation provitled"as is°for informationai purposes onry,�o+.intended for trading ourposes or advice Neither Yahoo!nor any of mdepeedert providers!s iiab!e for any��nformationaf errors.incompieteness.or delays.or for any actions taken ir reliance on��nformation contained herein By accessmg the Yahoo!site..you agree not',o redistribute^he�mformation found therem Real-T�me con!inuous streaming quotes are available through our premium service You may turn sVeaming quotes on or off Funtlamentel company data provided by Caprtal IQ �istorical chart aata and datly�pdates oro�ndeq oy Commodity Systems,ina(CSI} Intemational historical chart data.daily updates,fund summary,Fund pe;formance,�7iv�aend data anc�Uorningstar�ndex data prowdecJ by Mommgstar_Inc http://finance.yahoo.com/q/hp?s=EGLBX&a=07&b=7&c=2013&d=07&e=7&f=2013&g... 10/20/2013 . EL�FX Historical Prices � Elfun Diversified Fund Stock- Yahoo! Finance Page 1 of 2 Home Mail News Sports Finance �Neather Games Grouos Ans�Ners Scr°en Flickr Mobile I iVior° __ Sign In Mail i HaME � 1NVESTING ( NEWS PERSONA�F!NANCE MY PORTFOL30S EXCiUSIVES I I I — ERter yymbol � Sun,Oct 20,2013 10�43AM EDT-U S Markets closed DoW 0,1g/Nasdaq 1.32% i� AwNritrade la�. �F�e�/� � � Elfun DiversiFed(ELDFX) Add to Portfolio 2�.7.9 0.10(0.48%) o�,s Historical Prices ce�H�:cor�ca�rnces ror: nun GO Set Date Range a+Daily � $tart Date: Aug 7 2013 Eg.Jan 1,2010 �y1/�k�y End Date: Aug 7 2013 Monthly � '_ Dividends Onty � : Get Prices � . First�Previous�Next�Last _._ ._. . _ __ ._ . _ _- _.__ ! Prices � Date Open High Low Close Volume Adj Close* Aug 7,2013 20.05 20.05 20.05 20.05 0 20.05 `Close price adjusted for dividends and splits. First�Previous�Ne��Last ?�Downioad to Spreadsheet Currency in USD. 'y� ,,, ���``„ Ad Topics That Might Interest You... 1.Dividend Income Funds 5.High Interest Savings 2.Penny Stocks to Watch 6.High Dividend ETFs 3.Stock Trading Lessons 7.Fixed Income Funds 4.Preferred Stocks for 2013 8.Best Stocks to Buy Feedback ads http://finance.yahoo.com/q/hp?s=ELDFX&a=07&b=7&c=2013&d=07&e=7&f=2013&g=d 10/20/2013 . ELFNX Historical Prices � Elfun Trusts Stock- Yahoo! Finance Page 1 of 2 Home Ulail News Sports Firance 1il/eather Games Groups Answers Screen Flickr iViobile I Mor� �� ��9��n Mai( HOME INVESTING NEWS PEl2SONAL F!NANCE MV PORTFOIiOS EXCLllSIVES � Enter Symbol �_ Sun,Oct 2Q 2013,10�44APA EDT-U S Markets closed Dow D.18%Nasdaq 7.32% ip"".e.�"''° ���,► v��,�a� ,. � . F.p[tlTV MOREl�n4[iEfJ;!�:ES;.I.i Elfun Trusts(ELFNX) Add to Portfolio 55.82 0.53(0.96%) oa,s Historical Prices Get Hiatoricai Prices(or: tlull GO Set Date Range � �Daily Shrt Date: Aug 7 2013 Eg.Jan 1,2010 yy�k�y End Date: Aug 7 2013 '-MoMhiy Dividends Only � Get Prices * - First�Previo�s�Ne#�Last .._ __ . _ _. _ __ _ _.__ ' Prices � Date Open High Low Close Volume Adj Close' Aug 7,2013 53.30 53.30 53.30 53.30 0 53.30 `Close price adjusted for dividends and splits. First�Previous�Ne��Last +'�Download to Spreadsheet Currency in USD. .__�; Ad Topics That Might Interest You... 1.Dividend Income Funds 5.Hot Penny Stack Picks 2.Fixed Income Funds 6.Top 5 Income Funds 3.BestStocks to Buy 7.Top 10 Stock Picks for 2013 4.Best CD Rates 8.Online Stock Trading Feedback ads httn://finance.vahoo.com/a/hn?s=ELFNX&a=07&b=7&c=2013&d=07&e=7&f=2013&g=d 10/20/2013 . �UFTX Historical Prices � Elfun Tax Exempt Income Fund Stock- Yahoo! Finance Page 1 of 2 Nome Maii News Sports Finance Weather Gamss Groups 4nswers Screen Flic;<r Utobile I More _■- Sign In Mail NOME INVESTING NEVi/S PERSONAL FINANCE� MY PORT�OLIOS EXCLUSIVES Enter Symbol _ Sun,Oct 20,2013,10�.45AM EDT-U.S Markets closed Dov�+ U.18q Nasdaq 1.32% •• 7 Amarkrada I � . �� �� �� Elfun Tax-Exempt Income(ELFTX) Add to Portfolio 11.37 0.00�o.00�io� 0�,8 Historical Prices cec niato�cai P�ces ror: nun GO Set Date Range w Daily f - 54rt Date: Aug - 7� 2013 Eg.Jan 1,2010 ..`.,yy�g�y ' ._.... . .._. . . . End Date: Aug 7 2013 Monthty Dividends Only Get Prices � � • - First�Previous�Next�Last ____ __ _._. _. _-- _ ___ ___ .__ __ __ Prices � Date Open High Low Close Volume Adj Close' Aug 7,2013 11.42 11.42 11.42 11.42 0 11.34 'Close price adjusted for dividends and splits. 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' F� . �l�iii�lldtd� GE S8S US Equity(GESSX) Add to Portfolio 56.89 o.3a�o.so�io� 0�,8 Historical Prices Gat Hiatorical Pdcea for: f1Uil GO Set Date Range ,Daily Sart Date: Aug 7 2013 Eg.Jan 1,2010 W�kly End Date: Aug 7 2013 �Monthly '_?Dividends Only Get Prices First�Previous�Next�Last ' _. _ _ _ _ __ __ _.. ___. Prices i • � a Date Open High Low Close Volume Adj Close' Aug 7,2013 54.71 54.71 54.71 54.71 0 54.71 'Close price adjusted for dividends and splits. First�Pre�iious�Next��ast �!Download to Spreadsheet Currency in USD. , �;z; :i Ad Topics That Might Interest You... 1.GE Stock to Buy 5.GE Stock Analysis 2.General Electric Stocks 6.Ge Stock Predictions 3.Tech Stocks to Buy 7.Top 10 Tech Stocks 4.GE Stock History 8.Top 5 Income Punds Feedback ads httn•//financP vahnn rnm/n/hr��c=C'rF�SXRta=n7Xih=7X�c=2O13&d=07&e=7&f=2013&�=d 10/20/2013 H��AX Historical Prices � Pyxis Premier Growth Equity Fun Stock- Yahoo! Finance Page 1 of 2 Home Matl News Sports Finance Weather Games Groups Answers Scr�en Flickr � More �_ Sign In Mail rI HOME INVESTINCa T NEWS PERSONAL FINANCE MY PORTFOLIOS EXCLUSIVES I --�---1---= -�-' - Enter gymbol _ Mon,Oct 14,2013;10�44AM EDT-U S Markets close in 5 hrs 16 mins Dov� 0.49%Nasdaq 0.38% __ � � Q Aa�eritrada Fit/B/it�' ydll�lid(�� . ,aE�„�aRdwE�:�aE;F��n�,s�.�.: Highfand Premier Growth Equity A(HPEAX) Add to Portfolio 31.38 o.z9�o.93°io� o�„ Historical Prices Get Historical Prkea for: null GO �,� _ Set Date Range ,� .� i Daily � ShR Date: Aug - 7.. ... 2013.. .. Eg.Jan 1,2010 .-��..W�kly �- � '����£' End Date: Aug 7 2013 '-Monthly � ':Dividends Only Get Prices First�Previous�Next�Last _.__ __ _ _._ __. __.._ _. _. __- -_. ! Prices Date Open High Low Close Volume Adj Close* Aug 7,2013 30.50 30.50 30.50 30.50 0 30.50 'Close pncs adjusted for dividends and splits. �.� First�Previous�Ne��Last � '�Download to Spreadsheet � Currency in USD. k � . � �� k i 3 Ad Topics That Might interest You... 1.Fixed income Funds 5.Stock Trading Lessons 2.Hot Penny Stock Picks 6.Top 10 Stock Picks 3.Top 5 Income Funds 7.Penny Stocks to Watch 4.Best Stocks to Buy 8.High interest Savings Feedback ads http://finance.yahoo.com/q/hp?s=HPEAX&a=07&b=7&c=2013&d=07&e=7&f=2013&g... 10/14/2013 USPRX Historical Prices � AA Mutual Fds Tr S&P 500 Index Stock- Yahoo! Finance Page 1 of 2 Nome Maii News Sports Finance Weather Games Groups Answers Screen Flickr I More _ Sign In Mail NOME INVESTING NEWS PERSONAL FINANCE MY PORTFOLlOS EXCIUSiVES E��er Symbol _ Mon,Sep 23,2013,1 43PM EDT-U S.Markets close in 2 hrs 17 mins Do� 0.29%Nasdaq 0.32% •- �AsaAtrade ��s�t O1Lf" .: ` � �i��7{5��1lE�': �'� •' �`C!l�at'_, USAA S&P 500 Index Reward(USPRX) Add to Portfolio 24.51 0.���o.ss�io� SeP2o Historical Prices Get Hiatorical Pdcea for. null GO Set Date Range is Daily = Start Date: Aug 7 . 2013 Eg.Jan 1,2010 " W�kly ' ` 1 End Date: Aug 7 2013 .+Monthly ; °:=Dividends Only Get Prices t � . First�Previous�Next�Last ' Prices Date Open High Low Close Volume Adj Close' � a Aug 7,2013 24.17 24.17 24.1� 24.17 0 24.17 'Close price adjusted for dividends and splits. i i • First�Previous�Ne���ast � ?r`!Download to Spreadsheet i Currency in USD. € I f � 1 i s i i E � Ad Topics That Might Interest You... 1.Online Stock Trading 5.Penny Stocks to Watch 2.Dividend Income Funds 6.Best CO Rates 3.Fixed Income Funds 7.Top 5 Income Funds 4.Hot Penny Stock Picks 8.Preferred Stocks for 2013 Feedback ads http://finance.yahoo.com/q/hp?s=USPRX&a=07&b=7&c=2013&d=07&e=7&f=2013&g=d 9/23/2013 U�11�IIX Historical Prices � AA Mutual Fds Tr Extended Marke Stock- Yahoo! Finance Page 1 of 2 Nome Nlad News Sports Finance Weather Games Groups Answers Screen Flickr ( Mcre - Sign In Mail HOME INVESTING NEWS PERSONAL FINANCE MY PORTFOLIOS EXCLUSIVES gnterSymbol _ Mon,Sep 23,2013.,t-.44PM EDT-U S.Markets dose in 2 hrs 16 mins DoW 0.30%Nasdaq 0.32% , , �A�aarltrada �isi1'O!t! } r�F,ld6/!tfr � �utua(Fu�a� .• � �;* USAA Extended Market Index(USMIX) aaa to�ortroiio 7 s.86 0.10(0.59%) sePZo Historical Prices Get HlatoAcal Prices for. null GO Set Date Range ' _a�Daily ' Sqrt Date: Aug 7 2013 Eg.Jan 1,2010 `;N/�g�y � End Date: Aug 7 201.3 ?Monthly € ' Dividends Onry Get Prices E « t . First�Previous�Next�Last t ' Prices , i Date Open High Low Close Volume Adj Close' ; � + Aug 7,2013 16.41 16.41 16.41 16.41 0 16.41 ? 'Close pnce adjusted for dividends and splits. i � First�Previous�Ne�R�Last � { �`!Download to Spreadsheet � i Currency in USD. i € i 0 1 { 1 t 1 k 4 Ad Topics That Might Interest You... 1.High Interest Savings 5.Penny Stocks to Watch 2.Best CD Rates 6.Top 10 Stock Picks for 2013 3.Dividend Income Funds 7.Top 5 Income Funds 4.High-Yield Dividend ETFs 8.Online Stock Trading Feedback ads http://finance.yahoo.com/q/hp?s=USMIX&a=07&b=7&c=2013&d=07&e=7&f=2013&g=d 9/23/2013 USATX Historical Prices � AA Mutual Fds Tr Tax Exempt Int Stock- Yahoo! Finance Page 1 of 2 Home Niail �lews Sports Finance Weather Games Groups Ans+rvers Screen Flickr � More _-- Sign In Mail I HOME INVESTING NEWS PERSONAL FINANCE MY PORTPO�IOS EXCLUSIVES - � E�te�Symbol _ Sat.Sep 28,2013,11 56AM EDT-U S Markets closed DrnN 0.46%Nasdaq 0.15% �� FUND PK:KS �!S!�'Oiit' ,� "�� ° ,�ttx���.0 s• . � �Ct1tRI' ' , F�Pftlt'f BR9NF4 6E SEkU�C£5 LLC USAA Tax Exempt Intermediate-Term(USATX) Add to Portfoiio 13. 1 v �.���0.�0%� Sep 27 Historical P�ices Get Hiatorical Prices for: null GO _ _. Set Date Range �Daily C�'• Start Date: Aug 7 2013 Eg.Jan 1,2010 yy�k�y End Date: Aug 7 2013 Monthly . ` Dividends Only � Get Price� ��a J_ '���0 First�Previous�Next�Last __ __.. _ __- -- _._ ___ ___ _ __ Prices ' Ewrn�P To Date Open High Low Close Volume Adj Close' ! ������ Aug 7,2013 13.15 13.15 13.15 13.15 0 �g�� THAHKY4U6 POINTS 'Close pnce adjusted for dividends and splita � First�Previous�Ne��Last ?�Download to SpreadsheeY Currency in USD. 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Finance Page 1 of 2 Home Mail News Sports Finance Weather Games Groups Answers Screen Flickr I More -■ Sign In Maii HOME INVESTING NEWS PERSONAL FINANCE MY PORTFOIIOS EXCLUSIVES Enter Symbol.. - Mon,Sep 23:2013,1�46PM EDT-US.Markets dose in 2 hrs 14 mins DoW 0.28%Nasdaq 0.28% 1 � 0�'�'�'�° ` � ' �`i�'ts�n�a' ;.�;., �,�_ rc����� � � =�� �u� USAA Tax Exempt Long-Term(USTEX) Add to Portfoiio 13.05 0.02�o.�s�io� SeP2o Historical Prices — - - Get Historical Prices for: flull GO Set Date Range ��s — c i Daily ; f Start Data: Aug 7 2013 Eg.Jan 1,2010 'r V1/eekly � ' End Date: Aug - 7 2a�3 °:�Monthly � '�Dividends Only � t ' Get Prices � � . __.- ---_ _... ___ ____ __.__.. First�Previous�Ne#�Last � � _ ___ _. _-- -- .. j Prices _..... ( Date Open High Low Close Volume Adj Close' � Aug 7,2013 13.02 13.02 13.02 13.02 0 12.97 j 'Close price adjusted for dividends and splits. �'�. i First�Previous�Next�Last i ?�iDownload to Spr+eadsheet ' " � Currency in USD. � I ( � i � � [ i i s � } I Ad Topics That Might Interest You... 1.High Interest Savings 5.High-Yield Dividend ETFs 2.Top 10 Stock Picks for 2013 6.Preferred Stocks for 2013 3.Fixed Income Funds 7.Top 5 Income Funds 4.Online Stock Trading 8.Best CD Rates Feedback atls http://finance.yahoo.com/q/hp?s=USTEX&a=07&b=7&c=2013&d=07&e=7&f=2013&g=d 9/23/2013 USSTX Historical Prices � AA Mutual Fds Tr Tax Exempt Sho Stock- Yahoo! Finance Page 1 of 2 Home Mail News Sports Finance Weather Games Groups Answers Screen Flickr I More _ Sign In Mail IHOME INVESTINCa NEWS PERSONAL fINANCE MY PORTFOLIOS EXCLUSNES � EnterSymbol, _ Mon,Sep 23,2013,1.48PM EDT-U S.Markets close m 2 hrs 12 mins Dow 0.28%Nasdaq 0.27% "� �'�4t�'t►itf' � � �w�erltraie ���a�� �� ' � a, �en�ker :,F: ���� USAA Tax Exempt Short-Term(USSTX) Add to Portfolio 1 O.� 1 0.���0.��%� Sep20 _ Historical Prices Get Hiatodcal Prices for: null G� Set Date Range : t i+Daity j Start Date: Aug - 7 2013 Eg.Jan 1,2010 .:'.�y��kly ; �� -�Monthl t ' End Date: Aug 7 2013 Y j ; 10ividends Only Get Prices ! I First�Previous�Ne�R�Last � __._ _-----. ._. _._._. _..- --._ __._ .. ___--- . ---- - • s Prices � Date Open High Low Close Volume Adj Close• ( Aug 7,2013 10.73 10.73 10.73 10.73 0 10.71 � � [ � - • 'Close price adjusted for dividends and splits. @ t f First�Previous�Next�Last € 3 ?�Downbad to Spreadshe� � F Currency in USD. t � 3 i � ; � 1 i t � � I � i i i Ad Topics That Might Interest You... 1.Dividend Income Funds 5.Top 10 Stock Picks for 2013 2.Fixed Income Funds 6.Best CD Rates 3.Hot Penny Stack Picks 7.High-Yield Dividend ETFs 4.Online Stock Trading 8.High Interest Savings Feedback ads http://finance.yahoo.com/q/hp?s=USSTX&a=07&b=7&c=2013&d=07&e=7&f=2013&g=d 9/23/2013 �E Historical Prices � General Electric Company Common Stock- Yahoo! Finance Page 1 of 2 4ome Nlail News 3ports Finance �Neather Games Groups Answers Screen Fiickr I iUlore _, Sign In �Vlail HOME INVESTING NEWS PERSONAi.FINANCE MY PORTFOlIOS EXCLUSIVES i Enter Symbol � _ Mon,Sep 23,2013,2�OOPM EDT-U S Markets close m 2 hrs Daw 0.14%Nasdaq 0.06%, E�ETRAQ�" (�rj r��s�'' GE �a�w�ccouHr [MTRXOF SECVRITRS llC General Electric Company(GE)-N�sE Add to PoRfolio ZY.�� 0.28(1.16%� 2:OOPM EDT-Nasdaq Real Time Price Historical Prices Get Historical Pdcea for: null GO Set Date Range C�,. i-Daity Start oate: Aug 7 2013 Eg.Jan t,20�0 ': Weekly , End Date: Aug 7 2013 Monthty Dividends Only Get Prices � First�Previous�Ne��Last �� , Pri�es ' MANAGE : oate open High �ow C�ose vo�ume AdjC�ose• ' W�-�H ��T�'S Aug 7,2013 24.21 24.34 24.09 24.34 27,971,600 24.15 p1GiTAL SERVICES 'Close pnce atljusted tor dividends antl splits. �. First�Previous�Ne�R�Last �Download to Spreadsheet Currency in USD. r r i Ad Topics That Might Interest You... 1.Top 10 Tech Stocks 5.10 Stocks to Own 2.Tech Stocks to Buy 6.Penny Stock Alerts 3.General Electric Stock 7.Stock Market Investing 101 4.Top 10 Stock Picks for 2013 8.GE Stock to Buy Feedback ads http://finance.yahoo.com/q/hp?s=GE&a=07&b=7&c=2013&d=07&e=7&f=2013&g=d 9/23/2013 PNC Historical Prices � PNC Financial Services Group, I Stock- Yahoo! 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Feedback ads http://finance.yahoo.com/q/hp?s=PNC&a=07&b=7&c=2013&d=07&e=7&�2013&g=d 9/23/2013 PRU Historical Prices � Prudential Financial, Inc. Comm Stock- Yahoo! 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Com Stock- Yahoo! Finance Page 1 of 2 Home Mail News Sports Finance �Neather Games Groups Answers Screen Flickr I More __ Sign In Mail HOME INVESTING NEINS PERSONAL FINANCf MY PORTFOIiOS EXCLUSIVES Enter Symbol . _ Mon,Sep 23,2013,1�40PM EDT-U S.Maricets dose in 2 hrs 20 mins Dow 0.27°/a Nasd2q 0.29% � ___.. .__..._._..� SDAY TREND �VZ ORE ON � � +�t'�L� V Z � �ar ..� �. � �� ,.�.. .' AT EiFTRADE s . .t �. .;�� -__., � Verizon Communications Inc.(V2)- NvsE Add to Portfoiio 4�.V O 0.�8��.3$%� 1:39PM EDT-Nasdaq Real Time Price Historical Prices Get Hiatodcal Pdces for: null GO Set Date Range i Daily Start Date: Aug 7 2013 Eg.Jan 1,2010 P-;:Weekly End Date: Aug 7 2013 %Monthly �Dividends Only Get Prices First�Previous�Next�last . _.. _. _ __._ _ . ___ __ __. .� � . Prices ' � �� Date Open High Low Close Volume Adj Close" °.,,„,a ''�tl� ._.:. Aug 7,2013 49.93 50.25 49.84 49.93 5,366,300 49.93 ,� 'ir-+.�, Y 1�.�` �Close pnce adjusted for dividends and splits. V (QF � �"'"'� ' '°^*�-�., First�Previous�Ne��Last '�-..� —:'�«. " �:,�^,�M �,^. '�w. �..^»..,.�^ . '�Dowoload to Spreadsheet *��� �`�N'"� `�-.. �: .'���`.. Currency in USD. �.���,� ;:.°� "-'" » «. ��� ^;�. y4�.`•:. ��, ^+.,;;: �'r+i.y�- ""�� r i a l;dik.AU� �.� ' s . ,-�++. .. �r' '^' Ad Topics That Might Interest You... 1.Top 10 Stock Picks for 2013 5.Pe�ny Stocka W Watch 2.High-Yield Dividend ETFs 6.Top 5 Income Funds 3.Best CD Rates 7.Fixed income Funds 4.Best Stocks to Buy 8.Hot Penny Stock Picks Feedback ads http://finance.yahoo.com/q/hp?s=VZ&a=07&b=7&c=2013&d=07&e=7&f=2013&g=d 9/23/2013 WFC Historical Prices � Wells Fargo & Company Common St Stock- Yahoo! Finance Page 1 of 2 Home Mail News Sports Finance VUeather �ames Groups Aiiswers Screen Flid<r I Ntor= _ Sign In Mail HOME iNVESTING NEWS PERSONA�FINANCE MY PORTFOLIOS EJ(CIUSIVES Enter Symbol _ Mon,Sep 23.2013,1�.40PM EDT-U S Markets close in 2 hrs 20 mins Dow 0.25%Nasdaq 0.27% . E� �wE' _ WFC ,. . . � Wells Fargo�Company(WFC)-rvvse Add to PoRfolio 42.22 0.63(1.48%� 1:40PM EDT-Nasdaq Real Time Price Historical Prices Get Hlstorical Pricea for: null GO Set Date Range o Daily Start Date: Aug � �. 7 2013 � Eg.Jan 1,2010 `��-W�kly End Date: Aug 7 2013 3 Monthly I_:+Dividends Only Get Prices First�Previous�Next�Last Prices Date Open High Low Close Volume Adj Close' Aug 7,2013 43.34 43.51 43.27 43.27 18,578,700 43.27 Aug 7,2013 0.30 Dividend �'Close price adjusted for dividends and splits. First�Previous�Next�Last '�Downioad to Spreadsheet Currency in USD. Ad Topics That Might Interest You... 1.WFC Stock History 5.High Dividend ETFs 2.Buy WFC Stock 6.Penny Stocks to Watch 3.WFC Stock Predictions 7.Best Stocks to Buy 4.Top 10 Stock Picks 8.Dividend Income Funds Feedback atls http://finance.yahoo.com/q/hp?s=WFC&a=07&b=7&c=2013&d=07&e=7&f=2013&g=d 9/23/2013 �'TR Historical Prices � Frontier Communications Corpora Stock- Yahoo! Finance Page 1 of 2 Home Mail News Sports Finance YVeather Games Groups Answers Screen Flickr ( More _ Sign In Mail HOME WVESTING NEWS PERSONALPWANCE MYPORTPOl10S EXCLUSIVES Enter Symboi _ Mon.Sep 23,2013,1 4�PM EDT-U S Markets close in 2 hrs 19 mins Dow 0.27°/,Nasdaq 0.28% s5cammission• �,.t.R��. ���s ��� c�rano[sccunm[s uc Frontier Communications Corporation(FTR)-rvasdaq�s Add to Aortfolio 4.�/ 0.�9�2.13%� 1:41 PM EDT-Nasdaq Real Time Price Historical Prices Get Histodcal Prices for: �UII GO Set Date Range +:Daity Swrt Date: Aug 7 2013 Eg.Jan 1,20�0 °=W�kly . End Date: Aug 7 2013 Monthly °Dividends Only Get Prices First�Previous�Next�Last Prices Date Open High Low Close Volume Adj Close" Aug 7,2013 4.52 4.65 4.48 4.61 20,877,300 4.51 'Close price adjusted for dividends and splits. First�Previous�Ne��Last *Download W Spreadsheet Currency in USD. ..��� .w: w ;c;+'", �; Ad Topics That Might Interest You... 1.Penoy Stocks to Watch 5.High Yield Investments 2.10 Best Mutual Punds 6.Online Stock Trading 3.Hot Penny Stocks 7.FTR Stock History 4.Best Growth Stocks 8.FTR Stock Report Feedback ads http://finance.yahoo.com/q/hp?s=FTR&a=07&b=7&c=2013&d=07&e=7&f=2013&g=d 9/23/2013 �RP Historical Prices � FairPoint Communications, Inc. Stock - Yahoo! Finance Page 1 of 2 Home Mail News Sports Finance Weather Games Groups Answers Screen Flickr � More _, Sign in Mail I HOME INVESTING NEWS PERSONAL FINANCE MY PORTFOLIOS EXCLUSIVES Enter Symboi '_ Mon,Sep 23,2013,1�42PM EDT-U.S.Markets close m 2 hrs 18 mins Dow 0.29%Nasdaq 0.29% E TRAGE .. FRP • � Fairpoint Communications,I11C.(FRP�- NasdaqCM Add to Portfolio 9.�O 0.���0.11%� t:40PM EDT-Nasdaq Real Time Price Historical Prices Get Hiatodcal PAces(or: �ull GO Set Date Range rr Daily Start Date: Aug �� 7 2013 � Eg.Jan 1,2010 ��;.�:W�k�y End Date: Aug 7 2013 Monthly "'r Dividends Only Get Prices First�Previous�Next��ast ' Prices Date Open High Low Close Volume Adj Close' Aug 7,2013 9.27 9.50 9.10 9.37 54,800 9.37 'Close price adjusted for dividends and splits. First�Previous�Ne��Last �Download to Spreadsheet Currency in USD. Ad Topics That Might Interest You... 1.Top 10 Stock Picks 5.Stock Trading Lessons 2.Hot Penny Stock Picks 6.Dividend Income Funds 3.Top 5 Income Funds 7.Best CD Rates 4.Preferred Stocks for 2013 8.Fixed Income Funds Feedback ads http://finance.yahoo.com/q/hp?s=FRP&a=07&b=7&c=2013&d=07&e=7&�2013&g=d 9/23/2013 �STVX Historical Prices � artan Total Market Index Fund: Stock- Yahoo! Finance Page 1 of 2 Home Mail News Sports Finance Weather Games Groups Answers Screen Flickr I More _ Sign In B�ail IHOME INVESTING NEWS PERSONAL FINANCE MY PORTPOLIOS EXCLUSIVES Enter Symbol ��_ Mon,Sep 23,2013,1 59PM EDT-U 5 Markets close in 2 hrs 1 mms Dow 0.17%NaSdaq 0.10% �� ��Stf t'lJi�""' ' �Aa�arltrada � ' !J'�`'"�� �`it��FirnrE.: ��I � ., � �.Cft!'� `'�;.N�'�-. •• , Fidelity Spartan Total Mkt Idx Advtg(FSNX) add co Portto�io �J�.47 0.35(0.69%� Sep 20 HistoriCal Prices c�H�s�o�cai ances ror: nun GO Set Date Range s_ Daily Start Date: Aug . 7... 2013 Eg.Jan 1,2010 ._�,:W�kly •�� � End Date: Aug 7 2013 Monthly � Dividends Only Get Prices First�Previous�Ne�R�Last Prices Date Open High Low Close Volume Adj Close* Aug 7,2013 49.62 49.62 49.62 49.62 0 49.62 'Close price adjusted for dividends and splits. First�Previous�Ne�R�Last *Downioad to Spreadsheet Currency in USD. � � � • ♦ s Ad Topics That Might Interest You... 1.Best Stocks to Buy 5.High Interest Savings 2.Online Stock Trading 6.Preferred Stocks for 2013 3.Top 10 Stock Picks for 2013 7.Fixed Income Funds 4.Dividend Income Funds 8.Top 5 Income Funds Feedback ads http://finance.yahoo.com/q/hp?s=FSTVX&a=07&b=7&c=2013&d=07&e=7&�2013&g=d 9/23/2013 �SIVX Histarical Prices � artan International Index Fund: Stock- Yahoo! Finance Page 1 of 2 Home Mad News Sports Finance Weather Games Groups Answers Screen Flickr I More _ Sign Ir Mail HOME INVESTtNG ( NEWS PERSONAI FINANCE MY PORTFOLIOS EXCLUSIVES Enter Symbol _ Mon,Sep 23,2013.1 57PM EDT-U S Nlarkets close in 2 hrs 3 mins Dow 0.77%Nasdaq 0.11% __ � _. � �Ae�arNr�da �..��'13��Otflt � Fide��ly �u#uat Fi� a . , �' ` 1 � 10.i._. ..._.. :i.,,,; .: EtTYiRYNEk�ESEp91C£SILC - <�� � Fidelity Spartan Intl Idx Advtg(FSIVX) A'�tO P���� 39.�� 0.�6��.4���9� Sep20 Historical Prices Get HistoACal Pdces tor: null GO Set Date Range i Daily Start oate: Aug 7 2013 Eg.Jan t,2010 °.W�kly End Date: Aug 7 2013 Monthly '';Dividends Only Get Prices First�Previous�Ne��Last c� Prices Date Open High Low Close Volume Adj Close' Aug 7,2013 37.84 37.84 37.84 37.84 0 37.84 'Close price adjusted for dividends and splits. ��`°}•�$`#�;�� First�Previous�Ne�R�Last t . �Download to Spreadsheet Currenq in USD. �-; ,�+��: � ��: .� Ad Topics That Might Interest You... 1.Top 5 Income Funds 5.Penny Stocks to Watch 2.High Dividend ETFs 6.Hot Penny Stock Picks 3.Stock Trading Lessons 7.Dividend Income Funds 4.Best Stocks to Buy 8.High interest Savings Feedback ads http://finance.yahoo.com/q/hp?s=FSIVX&a=07&b=7&c=2013&d=07&e=7&�2013&g=d 9/23/2013 �'SEVX Historical Prices � artan Extended Market Index Fun Stock- Yahoo! Finance Page 1 of 2 liome Mail News Sports Finance VVeather Games Groups Answers Screen Flickr I More _ Sign In Mail HOME INVESTING NEWS PERSONAL FINANCE MY PORTFOLIOS EXCLUSIVES Enter Symbol _ Mon,Sep 23,2013,1 58PM EDT-U S Markets close in 2 hrs 2 mins Dow 0.17%Nasdaq 0.11% •- • �t3tt Ptlf " . il A�werMrada ' ;��tutuat Furr� Hd�jt �enter ° .. . . Fidelity Spartan Extnd Mkt Idx Advtg(FSEVX) Add to Portfolio 50.�F� �.29��.rJ7%� Sep20 Historical Prices Get HlstoAcal Pdcea ror: null GO Set Date Range C�t• _ i;Daily StaR Date: Aug 7 2013 Eg.Jan 1,2010 _';W�kly End Date: Aug 7 2013 ; Monthly ':.Dividends Only Get Prices �� First�Previous�Next�Last a� P���es MANAt ��e o�� High �oW cia� Volume Ad]C�ose• ��TH CIT Aug 7,2013 49.03 49.03 49.03 49.03 0 49.03 DIGITAL SERY) 'Close price adjusted for dividends and splits. ' First�Previous�Ne��Last *Download to Spreadsheet Currency in USD. Ad Topics That Might interest You... 1.Top 5 Income Funds 5.Stock Trading Lessons 2.High iMerest Savings 6.Fixed Income Funds 3.Top 10 Stock Picks 7.Penny Stocks to Watch 4.High Dividend ETFs 8.Best Stocks to Buy Feedback ads httn�//finance_vah��_c�m/a/hn?s=FSF.VX&a=07&b=7&c=2013&d=07&e=7&f=2013&�=d 9/23/2013