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PETITION FOR GRANT OF LETTERS
REGISTER OF WILLS OF CUMBERLAND COUNTY,PENNSYLVANIA
Petitioner(s) named below, who is/are 18 years of age or older, apply(ies) for Letters as specified below, and in
support thereof aver(s) the following and respectfully request(s)the grant of Letters in the appropriate form:
Decedent's Information
Name: Judith A.Ingram File No: o2 `1
a k a: (Assigned by Register)
a/k/a:
a/k/a: Social Security No:
Date of Death: January 24,2014 Age at death: 60
Decedent was domiciled at death in Cumberland County, Pennsylvania (stare)with his/her last
principal residence at 322 Wister Circle, 17055 Mechanicsburg,Upper Allen Township Cumberland
Street address,Post Office and Zip Code City,Township or Borough County
Decedent died at 1701 Lin lestown Road 17110 Harrisburg,Sus uehanna Township Dau hin PA
Street address,Post Office and Zip Code City,Township or Borough County State
Estimate of value of decedent's property at death:
If domiciled in Pennsylvania.. ....... ... ...... .. ........ All personal property $ 50 000.00
/f not domiciled in Pennsy lvania. ....... ......... .. ..... Personal property in Pennsylvania $
/f not domiciled in Pennsy lvania. ....... ........... ..... Personal property in County $
Value of real estate in Pennsyl vania...... ......... .. . .............. . ............. ........ ... $ 200 000.00
TOTAL ESTIMATED VALUE. . . . $ 250.000.00
Real estate in Pennsylvania situated at: 322 Wister Circle 17055 Mechanicsburg,Upper Allen Township Cumberland
(Attach additional sheets,ifnecessary.) Street address,Post Office and Zip Code City,Township or Borough County
A. Petition for Probate and Grant of Letters Testamentary
Petitioner(s)averts)he/she/they is/are the Executor(s)named in the last Will of the Decedent,dated March 13,2013 and Codicil(s)
thereto dated
State relevant circumstances(e.g.renunciation,deaf,of executor,etc)
Except as follows: after the execution of the instrument(s)offered for probate Decedent did not marry,was not divorced,was not a party to a pending
divorce proceeding wherein the grounds for divorce had been established as defined in 23 Pa.C.S.§3323(g),and did not have a child born or
adopted;and Decedent was neither the victim of a killing nor ever adjudicated an incapacitated person.
®NO EXCEPTIONS ®EXCEPTIONS
® B. Petition for Grant of Letters of Administration (if applicable)
c.i.a.,d.b.n.,d.b.n.c.t.a.,pendente lite,durante absentia,durante minoritate
If Administration,c.ta. or d.b.n.c.t.a.,enter date of Will in Section A above and complete list of heirs.
Except as follows: Decedent was not a party to a pending divorce proceeding wherein the grounds for divorce had been established as defined
in 23 Pa.C.S.§3323(g)and was neither the victim of a killing nor ever adjudicated an incapacitated person.
®NO EXCEPTIONS ®EXCEPTIONS
Peritioner(s),after a proper search has/have ascertained that Decedent left no Will and was survived by the following spouse(ifany)and heirs(attach
additional sheets, ifnecessary):
Name Relationship .Sdd ss '" M m
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FormRw-o2 rev. 1011112011 Page 1 .of 2
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Oath of Personal Representative Otreial Use Only
' COMMONWEALTH OF PENNSYLVANIA }
} SS: RECORDED OFFICE OF
COUNTY OF Cumberland }
• 9F PILLS
Petitioner(s)Printed Name Petitioner(s)Printed Address ,... nn
.I 3 12
Elizabeth Ann Crouse 657 Harmony Brass Castle Road Phillipsburg.NJ 08865-9348
CLERK 01'
ORPHANS' CC URT
0., PA
The Petitioner(s)above-named swcar(s)or affirm(s)the statements in the foregoing Petition arc We and correct to the best of the knowledge and belief
of Petitioners)and that,as Personal Represenmtive(s)of the Decedent,theyp Peti��tiio�oner(s)will well and truly administer the estate according to law.
Sworn to or affirmed and subscribed before U4-1 etht9� anw Date 1 a9I t
me this a, 9V `4 day of Dare
By: j Date
r the Register /p ,-.y /y-z- Date
BOND Required: (D YES (9 NO To the Register of Hills:
FEES: Please enter my appearance by my signature below:
Letters. . . . . . . . . . . . . . . . . . . . . . S 310.00 Alto p cy Signature:
( 5 ) Short Certificate(s). . . . . . 25.00 \
( ) Renunciation(s).. . .. . . . .
( )Codicil(s). . . . . . . . . ... .
( ) Affidavit(s).. . . . . . . . . . .
Bond.. . . . . . . . . . . . . . . . . . . . . . . Printed Name: David M.Watts,Jr.,Esquire
Commission. . . . . . . . . . . . . . . . . . Supreme Court
Other . . . . .. . . ID Number: 42232
Will . . . . . . . . 15.00
File Inh Tax Return . . . . . . . . 15.00 Firm Name: McNees Wallace&Nurick LLC
File Inventory . . . ... . . 15.00 Address: 100 Pine Strect
. . . . . . . . PO Box 1166
. . . . . . . . Harrisburg.PA 17108:1166
. . . . . . Phone: 717.237.5344
Automation Fee. . . . . . . . . . . . . . . 5.00 Fax: 717.260.1754
JCS Fee. . . . . . . . . . . . . . . . . . . . . 23.50 Email: DWattcQmwn nom
TOTALL. . . . . . . . . . . . . . . . . . . . . S 408.50
DECREE OF THE REGISTER
Estate of Judith A.Ingram File No: I L4 -009 y
a/k/a:
AND NOW, _,in consideration of the foregoing Petition,
satisfactory proof having been presen� I bc0—e mc,IT IS DECREED that Letters Testamentary
are reby granted to Elizabeth Ann Crouse
in the above estate and (if applicable) that
the instrumcm(s) dated March 13.2013
described in the Petition be admitted to probate and filed of record as the last Will (and Codicil(s))of Decedent.
egistcr of Wills jA f QctU,•QA�
Form RIV-O7 rev. 10111/2011 i age 2 of•L
LAST WILL AND TESTAMENT
OF
C
JUDITH A. INGRAM /
I, JUDITH A. INGRAM, of Mechanicsburg, Cumberland County, Pennsylvania, make
C'3 -
this Will, hereby revoking all my former Wills and Codicils. o �", m
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ARTICLE ONE rr ;� n rn
TANGIBLE PERSONAL PROPERTY r� U' C)17) n ri
§ 1.1 1 bequeath all my tangible personal property, including by way of illustr @tin fiutm
not by way of limitation, my household furniture and furnishings, paintings,"books, automobi�es�
jewelry and personal effects, exclusive of any such property used in a trade or business, in _LL
accordance with the terms of a signed and dated memorandum I may prepare. If no such
memorandum is received or located by my Executor within sixty (60) days after being appointed
as such, after a reasonable search for such memorandum, my Executor shall be held harmless
for distributing such assets as hereafter provided. I bequeath any such property not disposed of
by such memorandum, or all of such property if no such memorandum is so received or located,
P-,- to Darnell James Foster ("Darnell"), Maxwell James Foster("Maxwell") and Madison
Elizabeth Foster("Madison"), living at my death, to be divided among them in as nearly equal
shares as possible. Such assets shall be held by Darnell in my residence which I am
bequeathing to him, for him to divide at such time as he deems appropriate. In the event of
irreconcilable disagreement among them, they shall take alternate turns selecting individual
items with the oldest making the first selection. To the extent practicable in the Executor's sole
discretion, I bequeath any policies of insurance on such property to the beneficiary entitled to
such property. I direct that the expenses of storing, packing, shipping, insuring and delivering
any such property to the beneficiary entitled thereto shall be paid by the Executor as an
administrative expense of my estate.
§ 1.2 1 devise my residence at 322 Wister Circle, Mechanicsburg, Pennsylvania 17055
to my son, Darnell James Foster, if he survives me.
§ 1.3 1 give and bequeath the sum of One Hundred Thousand Dollars ($100,000.00) to
John Pankowski, currently of Pittsburgh, Pennsylvania, if he survives me.
§ 1.4 1 give and bequeath the sum of One Hundred Thousand Dollars ($100,000.00) to
Georgia Martin and Brian Martin, currently of Camp Hill, Pennsylvania, or the survivor of them, if
either or both survive me.
§ 1.5 [ give and bequeath the sum of One Hundred Thousand Dollars ($100,000.00) to
Noah Shetler and Jessica Shetler, currently of Union City, Pennsylvania, or the survivor of them,
if either or both survive me.
§ 1.6 1 give and bequeath the sum of One Hundred Thousand Dollars ($100,000.00) to
Michelle Huth and Eric Huth, currently of Mechanicsburg, Pennsylvania, or the survivor of them,
if either or both survive me.
§ 1.7 1 give and bequeath the sum of One Hundred Twenty Thousand Dollars
($120,000.00) to Madison Elizabeth Foster, to be held in a Section 529 account for her benefit.
ARTICLE TWO
RESIDUE
§ 2.1 1 am the mother of three (3) children, Charles Judson Foster, Darnell James
Foster and Maxwell James Foster. I am also the legal guardian of Madison Elizabeth Foster,
who is the biological daughter of Charles. Because of Charles' illness and his refusal to deal
with it through appropriate medical treatment, I am not including Charles as a beneficiary under
this Will. It is my desire that the primary use of the residue of my estate shall be to take care of
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Maxwell and Madison. Madison is well taken care of by the Milton Hershey School, but Maxwell
relies on me for his care, so he should be the beneficiary hereunder while this trust continues in
existence until he reaches the age of twenty-five (25). It is my expectation that Maxwell will be
cared for by Michelle Huth and Eric Huth, so I am directing that moneys paid for his care should
be paid to them for their use in his care until he reaches the age of majority, at which time he
shall receive any income distributions outright. In addition, I intend for funds held in trust
hereunder to be used to assure the comfort of my Aunt Phyllis Martin who is located at Messiah
Village, but such funds shall not be used for her routine maintenance except as required to
assure her continued residency at Messiah Village. Accordingly, I devise and bequeath all the
rest, residue and remainder of my estate as follows:
§ 2.1.1 The Trustee shall hold, manage, invest and re-invest the trust
property, shall collect the income thereof and shall apply to or for the benefit of
Maxwell, so much of the net income, and if the net income is insufficient, so
much of the principal of the trust property as the trustee shall from time to time
deem necessary or proper for any such beneficiary's health, maintenance,
support and complete education, including preparatory, college and graduate
education, and professional, vocational and technical training, with no duty of
equalization, taking into account other available funds, including such
beneficiary's assets. The primary focus of distributions hereunder shall be for
Maxwell, and then Madison if she is not under the care of Milton Hershey School,
subject to the provisions of§ 4.9 hereof. The trustee shall annually distribute any
net income not so distributed to Darnell up to a maximum total amount of Fifty
Thousand Dollars ($50,000.00) per year. Any distributions for Madison's care
shall under no circumstances be paid directly to Charles Foster or her mother,
Loren Shumaker.
§ 2.1.2 1 direct the trustee to distribute out of principal such amounts as
are necessary to assure the comfort of my Aunt Phyllis Martin at Messiah Village.
Such distributions should not be used to pay for her normal room and board at
Messiah Village, except to the extent that any failure to make distributions to
Messiah Village hereunder could result in a legal eviction of Aunt Phyllis from
Messiah Village.
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§ 2.1.3 1 authorize the trustee, in its complete discretion, to make
emergency distributions of principal to Darnell for his health, maintenance and
welfare, but only if Maxwell and Madison are being adequately provided for
hereunder.
§ 2.1.4 When Maxwell has reached the age of twenty-five (25) years, or
at his prior demise, this trust shall first distribute the sum of Two Hundred Fifty
Thousand Dollars ($250,000.00) to Madison, to be held in trust for her pursuant
to the terms of Article Three, and the remainder shall be divided into equal
shares for each of Maxwell and Darnell, per stirpes, and held in trust for each of
them pursuant to the terms of Article Three below, subject to the proviso that
there shall be no distributions of principal until the beneficiary in question has had
no arrest record during the previous ten (10) years.
ARTICLE THREE
TRUST FOR BENEFICIARY UNDER 35 YEARS OF AGE
§ 3.1 Except as otherwise may be provided in this Will, if any beneficiary is entitled to
receive a mandatory distribution of property from my estate or from any trust created by this Will
and is under thirty-five (35) years of age, I devise and bequeath such property to my Trustee,
herein named, or I direct that such property be held by my Trustee in continued trust, as the
case may be, for the benefit of such beneficiary, in trust, in accordance with the following
provisions of this Article Four:
§ 3.1.1 While each such beneficiary is under twenty-five (25) years of
age, the Trustee shall hold, manage, invest and reinvest the trust property, shall
collect the income thereof and shall apply to or for the benefit of such beneficiary
so much of the net income and, if the net income is insufficient, so much of the
principal of the trust property as the Trustee shall from time to time deem
necessary or proper for such beneficiary's health, maintenance, support and
complete education, including preparatory, college and graduate education, and
professional, vocational or technical training. The Trustee shall annually
accumulate any net income not so distributed and add the same to the principal
of the trust property.
§ 3.1.2 After such beneficiary attains twenty-five (25) years of age, the
Trustee shall continue to hold, manage, invest and reinvest the trust property,
shall collect the income thereof and shall distribute the net income in quarter-
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annual installments, or more frequently if the Trustee deems it advisable, to or for
the benefit of such beneficiary.
§ 3.1.3 In addition to the foregoing, after such beneficiary attains
twenty-five (25) years of age, the Trustee may distribute to or for the benefit of
such beneficiary so much of the principal of the trust property as the Trustee
shall from time to time deem necessary or proper for such beneficiary's health,
maintenance, support and complete education, including preparatory, college
and graduate education, and professional, vocational or technical training, and to
assist such beneficiary with his or her reasonable wedding expenses, in the
purchase of a principal residence and in the establishment of a profession or of a
business considered a good risk by the Trustee, taking into account other
available funds, including such beneficiary's assets.
§ 3.1.4 At any time after such beneficiary attains twenty-five (25) years
of age and prior to attaining thirty (30) years of age, such beneficiary may
withdraw such sums as do not exceed one-third (1/3) of the market value of the
principal of his or her trust as constituted on his or her twenty-fifth (25th) birthday,
or if his or her trust is established on or after his or her twenty-fifth (25th)
birthday, such sums as do not exceed one-third (1/3) of the market value of the
principal of his or her trust as constituted on the establishment thereof.
§ 3.1.5 At any time after such beneficiary attains thirty (30) years of age
and prior to attaining thirty-five (35) years of age, such beneficiary may withdraw
such sums as do not exceed one-half (1/2) of the market value of the principal of
his or her trust as constituted on his or her thirtieth (30th) birthday, or if his or her
trust is established on or after his or her thirtieth (30th) birthday, such sums as do
not exceed one-half (1/2) of the market value of the principal of his or her trust as
constituted on the establishment thereof.
§ 3.1.6 At any time after such beneficiary attains thirty-five (35) years of
age, such beneficiary may withdraw any or all of the principal of his or her trust.
§ 3.1.7 If such beneficiary dies before the complete termination of his or her
trust, the Trustee shall distribute the property then held in trust to such persons or
entities (including the beneficiary's estate), in such amounts and upon such trusts,
terms and conditions as the beneficiary by his or her last Will may appoint by specific
reference to this general power of appointment. Any property not so appointed shall
be divided into shares and distributed to the beneficiary's issue then living, per stirpes,
or, if none, to the issue then living of the parent of such beneficiary who was a
descendent of mine, per stirpes, or if none, to my issue then living, per stirpes, or, if
none, pursuant to the provisions of Article Five hereof, and in all circumstances subject
to being held in continued trust in accordance with the provisions of this Article Four.
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ARTICLE FOUR
APPOINTMENT OF FIDUCIARIES
§ 4.1 1 appoint Elizabeth Ann Crouse, as Executor of this Will. If she is unable or
unwilling to serve, then Thrivent Trust Company shall serve as Executor. All references herein
to the "Executor"shall mean my originally appointed Executor or any successor Executor, as
the case may be.
§ 4.2 1 appoint Thrivent Trust Company, as Trustee of any trust created by this Will.
§ 4.3 Any Trustee serving hereunder may resign at any time, for any reason
whatsoever, without court approval. If at any time there is a complete vacancy in the office of
Trustee, then the current income beneficiaries of all trusts hereunder (or their natural or legal
guardians) by majority vote shall immediately appoint a substitute individual and/or corporate
Trustee(s), as the case may be, to succeed to that position.
§ 4.4 The legal guardians of Maxwell by unanimous vote shall have the right to remove
any corporate Trustee for any reason whatsoever; provided that they shall immediately appoint
a substitute corporate Trustee to succeed to that position, and further provided that this may not
occur more than once every two years.
§ 4.5 Any corporate Trustee(s) shall not be related or subordinate to the parties
appointing it within the meaning of§ 672(c) of the Internal Revenue Code.
§ 4.6 Any corporate Trustee shall be a financial institution with fiduciary powers.
§ 4.7 All references herein to the 'Trustee" shall mean the originally appointed Trustee
or the successor Trustee(s), as the case may be.
§4.8 1 appoint the then serving Trustee as guardian of the estates of any minor
beneficiaries under this Will, including the proceeds of any life insurance on my life payable to
such minors and any other property, rights or claims with respect to which I am entitled to
appoint a guardian and have not otherwise specifically done so. The guardian shall have full
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authority to use such assets, both principal and income, in any manner the guardian shall deem
advisable for the best interests of the minor, including preparatory, college and graduate
education, and professional, vocational or technical training, without securing a court order.
§ 4.9 It is my strong preference that Charles Judson Foster not serve as the guardian
of the persons of Maxwell or Madison notwithstanding that he is their biological father. Charles
suffers from severe bipolar disorder and can suffer extreme personality swings and is
occasionally violent, both of which have contributed to his arrest record. Therefore, I appoint
Michelle Huth and Eric Huth as guardians of the persons of Maxwell and Madison. If either one
of them is unable or unwilling to act or continue to act, for any reason whatsoever, the vacancy
shall not be filled and the other then serving guardian of the person of each of my minor children
shall serve as sole guardian. At the time of the execution of this Will, I have legal custody of
Madison. In that capacity, I permanently grant loco parentis status to the Huths to serve as her
continued legal guardian. The Trustee of the trust established under Article Two of my Will shall
expend such portions of net income and principal, as the Trustee deems reasonable and
appropriate, to enable the guardian of the persons of Maxwell and Madison to provide a lifestyle
for them similar to the lifestyle which such minor children enjoyed during my lifetime. Such
expenditures may include, among others, the cost of acquiring or maintaining a home of size
and stature necessary and appropriate to house such minor children and the guardian's family,
and/or the cost of child care and household help, and may also include such sums payable
directly to the guardian for the guardian's services or as may be reasonably necessary to
reimburse the guardian for expenditures incurred on behalf of my minor children or to advance
funds to the guardian for such purposes; provided, however, that to the extent practicable, title
to any property acquired for the benefit of my children hereunder shall be retained by the
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Trustee in the name of such trust, and further provided that there shall be no amounts paid
directly to Charles Foster for the care of Madison.
ARTICLE FIVE
POWERS OF FIDUCIARIES
§ 5.1 No fiduciary under this Will shall be required to give bond or other security for the
faithful performance of the fiduciary's duties.
§ 5.2 Any such fiduciary shall have, without restriction or qualification, all powers given
by law, including without limitation those under the Pennsylvania Probate, Estates and
Fiduciaries Code, in addition to the following powers:
§ 5.2.1 To invest in, accept and retain any real or personal property,
including stock of a corporate fiduciary or its holding company, without restriction
to legal investments.
§ 5.2.2 To sell, exchange, partition or lease for any period of time any
real or personal property and to give options therefor for cash or credit, with or
without security.
§ 5.2.3 To borrow money from any person including any fiduciary acting
hereunder, and to mortgage or pledge any real or personal property.
§ 5.2.4 To hold shares of stock or other securities in nominee
registration form, including that of a clearing corporation or depository, or in book
entry form or unregistered or in such other form as will pass by delivery.
§ 5.2.5 To engage in litigation and compromise, arbitrate or abandon
claims.
§ 5.2.6 To make distributions in cash, or in kind at current values, or
partly in each, allocating specific assets to particular distributees on a non-pro
rata basis, and for such purposes to make reasonable determinations of current
values.
§ 5.2.7 To make elections, decisions, concessions and settlements in
connection with all income, estate, inheritance, gift or other tax returns and the
payment of such taxes, without obligation to adjust the distributive share of
income or principal of any person affected thereby.
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§ 5.2.8 To determine the apportionment of receipts and expenses,
including extraordinary cash dividends, stock dividends, capital-gain dividends of
regulated investment companies and proceeds and expenses of the sale of
unproductive real estate, between income and principal, such apportionment to
be made so as to balance fairly the interests of any income beneficiary and the
remaindermen.
§ 5.2.9 To disclaim any interest I may have in any estate if the Executor
deems such disclaimer to be in the best interests of my estate and the
beneficiaries thereof.
§ 5.2.10 To merge any trust created hereunder with any other trust or
trusts created by me under will or deed, if the terms of any such trust are then
substantially similar and held for the primary benefit of the same person or
persons, and if such merger shall not cause any adverse income, estate or
generation skipping transfer tax consequence.
§ 5.2.11 To terminate any trust created herein, the principal of which is
or becomes too small in the Trustee's discretion to make the establishment or
continuance of the trust advisable, and to make immediate distribution of the then
remaining trust property to the beneficiary then entitled to the income of the trust
property or, if there is more than one beneficiary, to the beneficiaries then entitled
to the income of the trust property, in proportion to their respective interests
therein or, if such interests are not defined, in equal shares to such beneficiaries.
The receipts and releases of the distributees will terminate absolutely the right of
all persons who might otherwise have a future interest in the trust, whether
vested or contingent, without notice to them and without the necessity of filing an
account in any court.
§ 5.2.12 To make any election available under the tax laws, including
the power to make an election to qualify any trust created hereunder as a
Qualified Subchapter S Trust ("QSST") or an Electing Small Business Trust
("ESBT").
§ 5.2.13 With respect to any trust hereunder that holds shares of stock
in any S corporation, as defined by § 1361 of the Internal Revenue Code ("S
Corporation stock"), to segregate such S Corporation stock from the other assets
of any such S Corporation trust, to hold such stock in a separate trust under
similar terms and conditions, and to take such actions and make such elections
as may be reasonable necessary to qualify any such separate trust as a
permitted S Corporation shareholder under§ 1361(c)(2) of the Internal Revenue
Code.
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ARTICLE SIX
PROVISION FOR TAXES
§ 6.1 All estate taxes, inheritance taxes, transfer taxes and other taxes of a similar
nature payable by reason of my death to any government or subdivision thereof upon or with
respect to any property subject to any such tax, and any penalties thereon, shall be paid by the
Executor out of the principal of that portion of my estate disposed of by Article Two of this Will,
and all interest with respect to any such taxes shall be paid by the Executor out of the income or
principal or partly out of the income and partly out of the principal of such portion of my estate,
in the absolute discretion of the Executor. My Executor shall not make apportionment among or
seek reimbursement from the beneficiaries, recipients or owners of such property for any such
taxes, penalties or interest. Notwithstanding any provision of this Article Six to the contrary, the
Executor shall not pay any such taxes, penalties or interest attributable to any property included
in my estate solely because of a power of appointment thereover that I possess but have not
exercised or any qualified terminable interest property.
ARTICLE SEVEN
PROVISION FOR DEBTS AND EXPENSES
§ 7.1 1 direct that any of my legally enforceable debts, any expenses of my last illness,
funeral and burial, and any of the administrative expenses of my estate shall be paid from the
principal of that portion of my estate disposed of by Article Two of this Will.
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ARTICLE EIGHT
MISCELLANEOUS PROVISIONS
§ 8.1 As used in this Will, the term "Internal Revenue Code" shall mean the Internal
Revenue Code of 1986, as amended from time to time, or the corresponding provision of
subsequent law.
§ 8.2 If any person and I die under such circumstances that it is impossible to
determine which of us survived, it shall be conclusively presumed and this Will shall be
construed as if such person had predeceased me.
§ 8.3 Whenever a discretionary distribution of net income or principal is permitted
pursuant to any trust created by this Will, if such distribution may be made in whole or in part to
a person who is then a trustee of such trust, such person may not participate in any way in the
decision whether to make such distribution. No trustee who is under a legal obligation to
support a beneficiary of a trust created hereunder shall participate in the exercise of any
discretion granted to the trustees of that trust to distribute net income or principal in discharge of
that legal obligation. Furthermore, no trustee shall enter into any reciprocal arrangement with
any other trustee for the purpose of indirectly exercising a power prohibited hereunder.
§ 8.4 Whenever a fiduciary is directed to distribute property to or for the benefit of any
beneficiary who is under (a) twenty-five (25) years of age, or(b) a legal disability or otherwise
suffers from an illness or mental or physical disability that would make distribution directly to
such beneficiary inappropriate (as determined in such fiduciary's sole discretion exercised in
good faith), the fiduciary may distribute such property to the person who has custody of such
beneficiary, may apply such property for the benefit of such beneficiary, may distribute such
property to a custodian for such beneficiary, whether then serving or selected and appointed by
the fiduciary (including the fiduciary), under any applicable Uniform Transfers to Minors Act or
Uniform Gifts to Minors Act to be held until such beneficiary reaches twenty-five (25) years of
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age, may distribute such property to the guardian of such beneficiary's estate, may distribute
such property directly to such beneficiary's estate, or may distribute such property directly to
such beneficiary (except if any of the conditions hereinbefore described in (b) apply), without
liability on the part of the fiduciary to see to the application of such property. This provision shall
not in any way operate to suspend such beneficiary's absolute ownership of such property or to
prevent the absolute vesting thereof in such beneficiary.
§ 8.5 Except as otherwise may be provided in this Will, during the continuance of any
of the trusts created under the provisions of this Will, and thereafter until the property is
distributed to and received by any beneficiary hereunder, the principal sums thus held in trust
for any beneficiary, respectively, and the income thereof shall not be subject to or liable for any
contracts, debts, engagements, liabilities or torts of such beneficiary now or hereafter made,
contracted, incurred or committed, but shall be absolutely free from the same, and such
beneficiary shall have no power to sell, assign or encumber all or any part of the principal sums
or such beneficiary's interest therein, respectively, or the income thereof, or to anticipate the
income.
§ 8.6 An individual fiduciary shall receive compensation in accordance with the law of
Pennsylvania in effect at the time of payment, unless the fiduciary waives compensation. A
corporate fiduciary shall be compensated by agreement with the individual fiduciary, or, in the
absence of such agreement, in accordance with its fee schedule as in effect at the time of
payment. I authorize a corporate fiduciary to charge additional fees for services it provides to
my estate or a trust hereunder that are not comprised within its duties as a fiduciary, for
example, a fee charged by a mutual fund it administers in which my estate or a trust hereunder
invests, or a fee for providing an appraisal, or a fee for providing corporate finance or
investment banking services. I also recognize that a corporate fiduciary may charge separately
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for some services comprised within its duties as a fiduciary, for example a separate fee for
investing cash balances or preparing tax returns. Such separate charges shall not be treated as
improper or excessive merely because they are added on to a basic fee in calculating total
compensation for service as a fiduciary.
§ 8.7 The Trustee is specifically authorized to invest and reinvest trust assets in the
shares of registered investment companies ("mutual funds") for which affiliates or related of the
Trustee act as investment adviser or manager and Trustee and/or its affiliates or related
persons act directly or indirectly in other capacities in which they provide services to such
mutual funds or shareholders thereof and directly or indirectly receive reasonable remuneration
for those services from such mutual funds or shareholders thereof and/or share such
compensation among themselves. Any such mutual fund is hereinafter referred to as a
"proprietary mutual fund". The Trustee is specifically authorized to invest and reinvest any
portion, up to and including all, of the trust property in proprietary mutual funds when it
considers such investment appropriate for the trust.
§ 8.8 Notwithstanding any other provision of this Will, but only to the extent that any
trust hereunder is subject to the Rule Against Perpetuities under applicable law, upon the
expiration of twenty-one (21) years after the death of the last survivor of my issue living at my
death, the trusts created hereunder shall forthwith terminate and the trust property shall be
distributed to the beneficiary then entitled to the income of the trust property or, if there is more
than one beneficiary, to the beneficiaries then entitled to the income of the trust property in
proportion to their respective interests therein or, if such interests are not defined, in equal
shares to such beneficiaries.
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IN WITNESS WHEREOF, I have hereunto set my hand and seal this /ark day of
March, 2013.
7-7Gc eC` c • `�, — (SEAL)
g DITH A. INGRAM
Signed, sealed, published and declared by the above named JUDITH A. INGRAM, as
and for her Last Will, in the presence of us and each of us, who, at her request and in her
presence and in the presence of each other, have hereunto subscribed our names as witnesses
thereto the day and year last above written.
\� Residing at G` L1
k,30 ) Aa , , Residing at �-ru eioL&fpuu 1, Ptq
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COMMONWEALTH OF PENNSYLVANIA
ss.
COUNTY OF DAUPHIN
We, JUDITH A. INGRAM, the testatrix, a';,iL �� <$s.Sc. and
Sm�o r9�. d me r , the witnesses, whose names are signed to the attached or
foregoing instrument, being first duly sworn, do hereby declare to the undersigned authority that
the testatrix signed and executed the instrument as her Last Will; that the testatrix signed
willingly and executed it as her free and voluntary act for the purposes therein expressed; that
each subscribing witness in the hearing and sight of the testatrix signed the Will as a witness
and that to the best of his or her knowledge the testatrix was at that time eighteen (18) years of
age or older, of sound mind and under no constraint or undue influence.
G-�4. e—� L�
DITH A. INGRAM s
�5o�`r�caq. L�kix�h.
Hess
Subscribed, sworn to and acknowledged before me by JUDITH A. INGRAM, the
testatrix, and subscribed and sworn to before me by a� and
Sa�Ar.T ar �r the witnesses, this t°��` day of March, 2013.
Notary Pu i
(SEAL)
CcimmoNWEALTH OF PENNSYLVANIA
Notarial Seal
Karen D.Rafferty,Notary Public
qty of Harrisburg,Dauphin county
My Commission Expires Feb.13,2014
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