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04-15-14 (2)
1505611185 REV-1500 EX(02-11)(FI) OFFICIAL USE ONLY PA Department of Revenue County Code Year File Number Bureau of Indhiduel Taxes PO BOX 280601 INHERITANCE TAX RETURN 21 13 01099 Harrisburg,PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY 09222013 07241926 Decedent's Last Name Suffix Decedent's First Name M I LUCKMAN ROSALYN (If Applicable) Enter Surviving Spouse's Information Below Spouse's Last Name Suffix 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 BOXES BELOW ® 1. Original Return ❑ 2. Supplemental Return ❑ 3. Remainder Return(Date of Death Prior to 12-13-82) ❑ 4. Limited Estate ❑ 4a. Future Interest Compromise(date of ❑ S. Federal Estate Tax Return Required death after 12-12-82) ® 6. Decedent Died Testate ❑ 7. Decedent Maintained a Living Trust 8. Total Number of Safe Deposit Boxes (Attach Copy of Will) (Attach Copy of Trust.) ❑ 9. Litigation Proceeds Received ❑ 10.Spousal Poverty Credit(Date of Death ❑ 11. Election to Tax under Sec.9113(A) Between 12-31-91 and 1-1-95) (Attach Schedule O) CORRESPONDENT- THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: Name Daytime Telephone Number ry SCOTT A MITCHELL, ESQUIRE 717-233-37<31 a m rn ° REGISTEIII-&1SL�USE Y M Z+ X. LM f n First Line of Address ° RHOADS & SINON LLP o C> ° =3 _� ! Second Line of Address r✓ — c7 � m P. O . BOX 1146 n ° City or Post Office State ZIP Code DATE FILED cNn C f HARRISBURG PA 171081146 Correspondent's e-mall address: Under penalties of perjury.I declare that I have examined this return,including accompanying schedules and statements,and to the best of my knowledge and belief, it is true,correct and complete.Declaration of preparer other than the personal representative is based on all information of which preparer has any knowledge. SIGNATURE OF PERSON RESPONSIBLE FOR FILING RETURN DATE ADDRESS C/O RHOADS & SINON LLP, PO BOX 1146 HARRISBURG, PA 17108-1146 SIGNATURE OF PREPARER OTHER THAN REPRESEN1 DATE SCOTT A . MITCHELL � _ "j COr's-/ktrGNeZ4._ y "Ify ADDRESS RHOADS & SINON LLP, P. O. BOX 1146 HARRISBURG, PA 17108-1146 PLEASE USE ORIGINAL FORM ONLY Side 7 1505611185 OM46473.000 1505611185 j 1505611285 REV-1500 EX(FI) Decedent's Social Security Number Decedent's Name I UCKMAN ROCAI YN RECAPITULATION 1. Real Estate(Schedule A) . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 0.00 2. Stocks and Bonds(Schedule B). . . . . . . . . . . . . . . . . . . . . . . . . 2 11-00 3. Closely Held Corporation,Partnership or Sole-Proprietorship(Schedule C), , , , , 3 0- 00 4. Mortgages and Notes Receivable(Schedule D) , , , . . . . . . . , q 0 •00 5. Cash, Bank Deposits and Miscellaneous Personal Property(Schedule E) , , , , , 5. 8351253. 0 0 6. Jointly Owned Property(Schedule F) ❑ Separate Billing Requested , , , , 6. 70;577 .00 7. Inter-Vivos Transfers&Miscellaneous Non-Probate Property (Schedule G) ❑ Separate Billing Requested . . . . 7. 131,515. 0 0 8. Total Gross Assets(total Lines 1 through 7) , , , , , , , , , , , , , , , , , , 8 11037,345 •00 9. Funeral Expenses and Administrative Costs(Schedule H). . . . . . . . . . . . . 9, 351379 - 00 10. Debts of Decedent, Mortgage Liabilities,and Liens(Schedule 1) , , , , , , , . . 10. 0• 00 11. Total Deductions(total Lines 9 and 10), , , , , , , , , , , , , , , , , , , , , 11 35,379 - 00 12. Net Value of Estate(Line 8 minus Line 11) , , , , , , , , , , , , , , , , , , , 12 1,001,966 . 00 13. Charitable and Governmental Bequests/Sec 9113 Trusts for which _ an election to tax has not been made(Schedule J), , , , , , , , , , , , , , , , 13. 0 • 00 14. Net Value Subject to Tax(Line 12 minus Line 13) . 14. 1,001,966 • 00 TAX CALCULATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate,or transfers unt(er Sec.9116 (a)(1.2)x.o- 0 . 00 15. 0 . 00 16. Amount of Line 14 xable at lineal rate x- 4� 1,0011966 . 00 16. 451088 -00 17. Amount of Line 14 taxable at sibling rate X.12 0 .00 17. 0 . 00 18. Amount of Line 14 taxable at collateral rate X.16 0. 00 18. 0 . 00 19. TAX DUE . . . . 19. 45,088 . 00 20. FILL IN THE BOX IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT ❑ Side 2 1505611285 1505611285 J OM4648 3.000 REV-1500 EX(FO Page 3 File Number Decedent's Complete Address: 21 13 01109 DECEDENT'S NAME STREET ADDRESS CUMBERLAND CITY STATE ZIP ICAMP HILL PA 7 Tax Payments and Credits: 1. Tax Due(Page 2.Line 19) (1) 45,088. 00 2. Credits/Payments A. Prior Payments 351Q00 - 0 0 B. Discount 1,842 - nn Total Credits(A+B) (2) 36,842 . 00 3. Interest (3) 0.00 4. If Line 2 Is greater than Line 1 +Line 3,enter the difference.This is the OVERPAYMENT. Fill in box 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) 8,2 4 6 .0 0 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 172 P.S.§9116(a)(1.1)(1)]. 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)(li)).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 Jury 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 decedent's lineal bene8daries is 4.5 percent,except as noted in 172 P.S.§9116(a)(1)]. • The tax rate Imposed on the net value of transfers to or for the use of the decedent's 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. OM4571 2.000 REV-1508 EXI(0612) pennsylvania SCHEDULE E DEFARWENTOF REVENUE CASH, BANK DEPOSITS & MISC. INHERITANCE T� RESIDEWDECE ENTTURN PERSONAL PROPERTY ESTATE OF: FILE NUMBER: Rosalyn Luckman 2113 01109 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly owned with right of sumivorship must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH I. Citibank - checking account #62786408. 2,020 2 New York Coop 819,449 See attached settlement sheet. 3 Jewish Home of Harrisburg - refund for nursing home care 13,082 4 Marsh Insurance - refund of catastrophic insurance premium 702 TOTAL(Also enter on line 5,Recapitulation) $ 835,253 2w46AD 2.000 If more space is needed,use additional sheets of paper of the same size. REV-1509 IX-(01-10) pennsylvania SCHEDULE F eEVMTNEM OF RE4ENVE INHERITANCE TAX RETURN JOINTLY-OWNED PROPERTY RESIDENT DECEDENT ESTATE OF: FILE NUMBER: Rosalyn Luckman 21 13 01109 H an asset became Jointly owned within one year of the decedent's date of death,It must be reported on Schedule G SUiNNING JOT TE NANT(S)NANIE�S) ADDRESS Rf3ATION5HPTO DECEDENT A Hiller, Elizabeth 3 Hriarwood Court, Camp Hill, PA 17011 Daughter JOINTLY OWNED PROPERTY: uTrER GATE DESCFVRON OF per. %OF DATE OF DEATH ITEM FWJONT MADE .w L WTfT... NYEOLR QiNUU 047E OF DEATH DECEDENT'S VALIEOF PALMER TT JOINT MENEN9mN ER ATTAe v Ea wn,uxnT NEW RUE ErT�E. VALIEOFASSET INTEREST DECEDENT'S MEREST 1 A 11/22/19 6M&T Joint Checking Account #1066 - checking account owned jointly with Elizabeth, Hiller 10,174 50.0000 5,087 2 A 10/13/2009 MET Joint Savings Account #5096 - savings account jointly owned with Elizabeth Hiller 124,787 50.0000 62,393 Interest accrued to 9/22/2013 8 4 3 A Chase 941, - checking account account jointly owned with Elizabeth Hiller. 2,801 50.0000 1,401 4 A Chase 867 - checking account jointly owned with Elizabeth Hiller. 472 50.0000 236 5 A Chase 8607 savings account jointly owned with Elizabeth Hiller. 2,911 50.0000 1,456 TOTAL (Also enter on Line 6,Recapitulation) $ 70,577 OMEAE 2.000 If more space is needed, use additional sheets of paper of the same size. REV-1510 EX+(0a-09) SCHEDULE G pennsylvania DEPARTMENT OF REVENUE INTER-VIVOS TRANSFERS AND INHERITANCE TAX RETURN MISC.NON-PROBATE PROPERTY RESIDENT DECEDENT ESTATE OF FILE NUMBER Rosalyn Luckman 21 13 01109 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. DESCRIPTION OF PROPERTY ITEM NLbETE NW W ETIWEPEREE n{BRREIAn()E PTODECECOff N DATE OF DEATH %OF DECD'S EXCLUSION TAXABLE NUMBEF n QAMCFnUISFAATI�AC OFI1EOEro FORREI ESWE VALUE OF ASSET INTEREST OFAPPUCABLEJ VALUE 1. M&T IRA 1,471 100.0000 0 1,471 Beneficiary - Elizabeth Hiller Interest accrued to 9/22/2013 2 100.0000 2 2 Wells Fargo Retirement CO - Beneficiary Elizabeth Hiller 114,095 100.0000 0 114,095 Interest accrued to 9/22/2013 141 100.0000 141 3 Wells Fargo Retirement Brokerage Account - Beneficiary Elizabeth Hiller 15,779 100.0000 0 15,779 Interest accrued to 9/22/2013 27 100.0000 27 TOTAL(Also enter on line 7,RecaDltulatlon)$ 131,515 If more space is needed,use additional sheets of paper of the same size. 6W46AF 2.000 REV-1511 EX.(10.09) -pennsylvania SCHEDULE H DEPARTMENT OF REVENUE FUNERAL EXPENSES AND INHERITANCE TAX RETURN ADMINISTRATIVE COSTS RESIDENTDECEDENT ESTATE OF FILE NUMBER Rosalyn Luckman 21 13 01109 Decedent's debts must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERALEXPENSES: 1. Beth Moses Cemetery — payment for cemetery 4,557 Total from continuation schedules . . . . . . . . . 10,104 B. ADMINISTRATIVE COSTS: 1. Personal Representative Commissions: Name(s)of Personal Representative(s) Street Address City State ZIP Year(s)Commission Paid: 2. Attorney Fees: 12,000 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: 759 5. Accountant Fees: 6. Talc Return Preparer Fees: 7. 1 Cumberland Law Journal - payment for estate advertisement. 75 2 Rhoads 6 Sinon LLP- expenses 138 Total from continuation schedules . . . . . . . . . 7,746 TOTAL(Also enter on Line 9,Recapitulation) $ 35,379 9w46AG 2.000 If more space Is needed,use additional sheets of paper of the same size. Estate of: Rosalyn Luckman 21 13 01109 Schedule H Part 1 (Page 2) Item No. Description Amount 2 Shalom Memorial Chapels - payment of funeral expenses 5,923 3 Rabbi Charles Klein - payment for services provided ' for funeral 600 4 Van rental for travel to Long Island for funeral 722 5 Travel expenses for Executrix to New York for funeral - gas and tolls 200 6 Marriott Hotels - payment for hotel for funeral 1,356 7 Michaels/USPS - payment for items used in memorial project for funeral. 103 8 Wellwood Memorials - estimated payment for memorial stone and foundation. 1,200 Total (Carry forward to main schedule) 10,104 Estate of: Rosalyn Luckman 21 13 01109 Schedule H Part 7 (Page 2) 3 Capitol Copy Service - payment for courier service 68 4 Register of Wills of Cumberland County - payment for exemplified record 98 5 The Patriot News - payment for estate advertising. 172 6 Craig Diehl - preparation of decedent's final income tax return. 450 7 N. Pjetrovic - payment to clean out NY property for sale. 2,700 8 50 Sutton Place South Owners - payment of seller's fee. 250 9 50 Sutton Place South - payment of AKAM Property management fee from date of death until settlement on property. 4,008 Total (Carry forward to main schedule) 7,746 REV-1573EX+{ SCHEDULE J penns nsylvania DEPARTMENT OF REVENUE BENEFICIARIES t INHERITANCE TAX RETURN I RESIDENT DECEDENT ESTATE OF: FILE NUMBER: Rosalvn Luckman 21 1301109 RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S)RECEIVING PROPERTY Do Not List Trustees) OF ESTATE 1 TAXABLE DISTRIBUTIONS[Include outright spousal distributions and transfers under Sea 9116(a)(1.2).] 1. Natasha Lightner 205 Ennerdale Lane Pittsburgh, PA 15237 25% of Residue: 199,969 Granddaughter 199,969 2 Miriam Willoughby 5060 Tejon Street Denver, CO 80221 25% of Residue: 199,969 Granddaughter 199,969 I ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18 OF RE W 1500 COVER SHEET,AS APPROPRIATE. ti NONTAXABLE 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 11-ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. S 0 9W46AI 2.000 If more space is needed,use additional sheets of paper of the some size. Estate of: Rosalyn Luckman 21 13 01109 Schedule J Part 1 (Page 2) Item No. Description Relation Amount 3 Elizabeth Hiller 3 Briarwood Court Camp Hill, PA 17011 Chase 860- savings account jointly owned with Elizabeth Hiller. Inventory Value: 1,456 Chase 867 - checking account jointly owned with Elizabeth Hiller. Inventory Value: 236 Chase 941 - checking account account jointly owned with Elizabeth Hiller. Inventory Value: 1,401 MST IRA Inventory Value: 1,471 Accrued: 2 MST Joint Checking Account #1066 - checking account owned jointly with Elizabeth Hiller Inventory Value: 5,087 MST Joint Savings Account #5096 - savings account jointly owned with Elizabeth Hiller Inventory Value: 62,393 Accrued: 4 Wells Fargo Retirement Brokerage Account - Beneficiary Elizabeth Hiller Inventory Value: 15,779 Accrued: 27 Wells Fargo Retirement CD - Beneficiary Elizabeth Hiller Inventory Value: 114,095 Accrued: 141 509 of Residue: 399,937 Daughter 602,028 ESTATE OF ROSALYN LUCKMAN PA 1500-Pennsylvania Inheritance Tax Return SSN: 076-20-7337 1. Last Will and Testament Page 1, Number 6 2. Citibank Schedule E, Item 1 3. New York Coop Schedule E, Item 2 4. M&T Schedule F, Items 1 & 2 Schedule G, Item 1 5. Chase Schedule F, Items 3-5 6. Wells Fargo Schedule G, Item 2, 3 940241.1 RHO,A]DO SIN ON c�v ATTORNEYS AT 'LAW LAST WILL AND TESTAMENT OF ROSALYN LUCKMAN I, ROSALYN LUCKMAN, of the City of New York, State of New York, being of sound and disposing mind and memory, do make, publish and declare this to be my Last Will and Testament, hereby revoking all Wills and Codicils by me at any time previously made . 1 . TANGIBLE PERSONALTY. (a) I expect to leave a memorandum with my Will directing the disposition of certain of my articles of jewelry to my granddaughters, NATASHA and MIRIAM HOUDE. I ask my Executor and the beneficiaries of my estate to honor my directions as specified in such memorandum, as it may he in effect at my death. (b) I give and bequeath all of my household furniture and furnishings, automobiles, other motor vehicles, books, pictures, jewelry (not disposed of under paragraph (a) ) , china, crystal, appliances, silverware, wearing apparel , articles of household or personal use or adornment, collections and artworks, together with all policies of insurance thereon, to my husband, STANLEY LUCKMAN ( "My Spouse" ) , if My Spouse survives me . If My Spouse does not survive me, I give such articles to my daughter, ELIZABETH HILLER, if she survives me. 2 . UNIFIED CREDIT TRUST. I give, devise and bequeath to my Trustee hereinafter named, IN TRUST NEVERTHELESS, to be held, administered and disposed of in accordance with this ITEM for the benefit of My Spouse and my issue (herein referred to as the "Unified Credit Trust" ) an amount equal to the sum of (i) the balance of the dollar amount not taxed in my estate due to the application to my estate of the unified credit against federal Page 1 of 14 pages estate tax (the "Unified Credit") , after deducting therefrom the value, for federal estate tax purposes, of (a) assets included in my federal gross estate which pass or have passed other than under the terms of this Will and which will utilize a portion of the Unified Credit, (b) any bequests under the preceding ITEMS of this Will which will utilize a portion of the Unified Credit and (c) adjusted taxable gifts not included in my federal gross estate but included in the computation of the tentative federal estate tax in my estate; and (ii) the state death tax credit allowed for federal estate tax purposes (but only to the extent its use will not increase any Death Taxes owing by my estate) . My Trustee shall have, hold, manage, invest and reinvest the assets of the Unified Credit Trust, collect the income and (a) If My Spouse survives me, beginning at my death, my Trustee shall pay over the net income of the Unified Credit Trust to My Spouse during My Spouse' s lifetime, in installments not less frequently than quarterly. In addition, my Trustee shall pay to My Spouse such amounts of the principal of such trust as, in the sole discretion of my Trustee, shall be necessary for the maintenance, support and medical and nursing care of My Spouse, taking into consideration any other means readily available for such purposes . (b) During the life of My Spouse, My Spouse shall have the right in each calendar year to withdraw from trust principal for any purpose and from time to time (i) the aggregate sum of $5, 000 and, in. addition thereto, (ii) at any time after December 1 and prior to the expiration of the calendar year, an amount equal to five percent of the value of the trust principal as of December 1, less the aggregate amount of all prior withdrawals made by My Spouse during said calendar year. Any withdrawal rights not exercised by My Spouse in any calendar year 'shall lapse. Page 2 of 14 pages (c) Upon the death of the survivor of My Spouse and me, my Trustee shall divide the principal and any undistributed income of the Unified Credit Trust as follows : (i) FIFTY PERCENT (506) of such remaining assets in the Unified Credit Trust to my daughter, ELIZABETH HILLER, if she is living at the death of the survivor of My Spouse and me; provided, however, that if Elizabeth has not then attained the age of fifty years, her share shall be retained by my Trustee, IN TRUST NEVERTHELESS, to be held, administered and disposed of as a separate trust estate in accordance with ITEM 4 for the benefit of my daughter, ELIZABETH HILLER (the "Child' s Trust") . If my daughter, Elizabeth Hiller, predeceases the survivor of My Spouse and me, her share shall be distributed in accordance with ITEM 2 (c) (ii) of this Will . (ii) My Trustee shall distribute the balance of such remaining Trust assets to the then living issue of my daughter, Elizabeth Hiller, per stirpes; provided, however, if any such beneficiary shall not then have attained the age of thirty-five years, each such beneficiary' s share shall be retained by my Trustee, IN TRUST NEVERTHELESS, each to be held, administered and disposed of as a separate trust estate in accordance with ITEM 5 for the benefit of each such beneficiary (the "Grandchild' s Trust" ) . (d) If, upon the death of the survivor of My Spouse and me,. I have no issue then living, my Trustee shall distribute the principal and any accumulated income of the Unified Credit Trust in accordance with the provisions of ITEM 6 of this Will . 3 . RESIDUE . I give, devise and bequeath all of the rest, residue and remainder of my property, real, personal and mixed, not disposed of in the preceding portions of this Will, including all property over which I hold a power of appointment (which powers of appointment I hereby exercise in favor of my Page 3 of 14 pages estate) , to My Spouse, if My Spouse survives me . If My Spouse does not survive me, I give and bequeath said residue to my issue living at my death, per stirpes; provided, however, that (i) if my daughter, Elizabeth Hiller, survives me and has not then attained the age of fifty years, my said residuary estate shall be retained by my Trustee, IN TRUST NEVERTHELESS, to be held, administered and disposed of as a separate trust estate in accordance with ITEM 4 for the benefit of Elizabeth (the "Child' s Trust,, ) ; or (ii) if Elizabeth Hiller does not survive me, and. should any of. her issue not then have attained the age of thirty-five years, each such issue' s share shall be retained by my Trustee, IN TRUST NEVERTHELESS, each to be held, administered and disposed of as a separate trust estate in accordance with ITEM 5 for the benefit of each such issue (the "Grandchild' s Trust" ) . If My Spouse and all of my issue predecease me, my said residuary estate shall be distributed in accordance with ITEM 6 of this Will . 4 . CHILD' S TRUST. My Trustee shall have, hold, manage, invest and reinvest the assets of each Child' s Trust , collect the income and (a) My Trustee shall pay to my daughter, ELIZABETH HILLER, the net income derived from the- Child' s Trust in installments not less frequently than quarterly and such amounts of the principal as, in the sole discretion of my Trustee, shall be necessary for Elizabeth Hiller' s maintenance, support and medical and nursing care, taking into consideration any other means readily available for such purposes . (b) If at the time of the creation of the Child' s Trust, Elizabeth Hiller shall have then attained the age Page 4 of 14 pages set forth-below or if she shall thereafter attain that age, my Trustee -shall distribute outright to Elizabeth Hiller the fractional portion of the then remaining principal of the Child' s Trust set forth below; Aae Fractional Share Forty-five years One-half Fifty years Balance then remaining (c) If Elizabeth Hiller shall die before final distribution of the assets of the Trust is made, the then remaining principal and any undistributed income of the Child' s Trust shall be distributed to Elizabeth Hi.11er's issue then living, per stirpes; provided, however; that if any such issue shall not then have attained the-_.age of thirty-five-1_ye rs;;,;e_ac,h:::su.ch issue' s share shall be retained by my Trustee as a separate trust estate, IN TRUST NEVERTHELESS;. each to be held, administered and disposed of in accordance with the provisions of ITEM 5 for the benefit of each such issue (the "Grandchild' s Trust") . If I have no issue living at the termination of the Child' s Trust, all such assets shall be distributed in accordance with ITEM 6 of this Will . S . GRANDCHILD' S TRUST. My Trustee shall have, hold, manage, invest and reinvest the assets of each Grandchild' s Trust, collect the income and (a) Until the beneficiary of the Grandchild' s Trust (the "Grandchild" ) shall have attained the age of twenty-one years, my Trustee shall from time to time pay to or for the benefit of the Grandchild such amounts of the net income and principal of the Grandchild' s Trust as, in the sole discretion of my .Trustee, may be necessary- for the Grandchild' s maintenance, support, medical and nursing care and education, including college and graduate education, taking into consideration any other means readily available for such purposes . At the end of each year any unexpended income shall be added to the principal of the Grandchild' s trust . (b) After the Grandchild shall have attained the age of twenty-one years, my Trustee shall thereafter pay to the Grandchild the net income derived from the Page 5 of 14 pages Grandchild 4s. Trust in installments not less .frequently than quarterly and such amounts- of the principal, as in the sole discretion of my trustee, may be necessary for the Grandchild' s maintenance, support, medical and nursing care and education, including college and graduate education, taking into consideration any other means readily available for such purposes. (c) If at the time of the creation of the Grandchild' s Trust, the Grandchild shall have attained the age set forth below or if the Grandchild shall thereafter attain that age, my Trustee shall distribute outright to the Grandchild the fractional portion of the then remaining principal of the Grandchild' s Trust as set forth below: Acre Fractional Share Twenty-five years One-third Thirty years One-half Thirty-five years Balance then remaining (d) If a Grandchild shall die before a final distribution of the assets of the Grandchild' s trust is made, the then remaining principal and any undistributed income of the Grandchild' s Trust shall be distributed to the Grandchild' s issue then living, per stirpes; or if a Grandchild shall have no issue then living, said principal and undistributed income shall be distributed to my then living issue, per stirpes; provided, however, that if any such beneficiary is then a beneficiary of a Child' s Trust or a Grandchild' s Trust hereunder, the share of such beneficiary shall be added to the principal of such Child' s Trust or Grandchild' s Trust as if an integral part thereof, to be held, administered and disposed of in accordance with the terms thereof . Should I have no issue living at the termination of the Grandchild' s Trust, said principal and undistributed income shall be distributed in accordance with the provisions of ITEM 6 of . this Will . 6 . CONTINGENT DISTRIBUTION. I give, devise and bequeath any assets to be distributed in accordance with this ITEM as follows: Page 6 of 14 pages . (a) One-third thereof to BIDE-A-WEE HOME ASSOCIATION, 410 East 38th Street, New York, New York 10116 . (b) The balance thereof to JEWISH NATIONAL FUND, 42 East 69th Street, New York, New York 10021 . 7 . PERPETUITIES PROVISIONS . Nothing herein is intended to, nor shall it be construed to, postpone the vesting of any part of the assets of any separate trust estate hereunder for more than twenty-one years after the death of the survivor of me, My Spouse and my .issue living at the time of 'my death. At the expiration of such period the assets of all the separate trust estates hereunder shall immediately vest in fee simple absolute in and be distributed outright to the person or persons then entitled to receive the income therefrom, whether in my Trustee' s discretion or otherwise . B . SPENDTHRIFT PROVISION. No interest in income or principal of my estate or any trust created hereunder shall be subject to attachment, levy or seizure by any creditor, spouse, assignee or trustee or receiver in bankruptcy of any beneficiary of my estate or of any trust created hereunder prior to the beneficiary' s actual receipt thereof . My Executor or Trustee shall _pay over the net income and the principal to the beneficiaries herein designated, as their interests may appear, without regard to any attempted anticipation (except as may be specifically provided herein) , pledging or assignment by any beneficiary of my estate or of any trust created hereunder and Page 7 of 14 pages . without regard to any claim thereto or attempted levy, attachment, seizure or other process against said beneficiary. 9 . SURVIVAL PRESUMPTIONS. Any person who shall have died at the same time as I or under such circumstances that it is difficult or impossible to determine who shall have died first, shall be deemed to have predeceased me . Any person other than me who shall have died at the same time as any then beneficiary of income of my estate or a .trust created hereunder-or':under such circumstances that it is difficult or� i•mpossible tb'.'determine who shall have died first, shall be deemed to have predeceased such beneficiary. 10 . FIDUCIARY POWERS. In the settlement of my estate and during the continuance of any trust created hereunder, my Executor and my Trustee shall possess, among others, the following powers., exercisable without prior court approval, but in all cases to be exercised for the best interests of the beneficiaries: (a) To retain any investments I may have at my death so long as my Executor or Trustee may deem it advisable to my estate or trust so to do. (b) To vary investments, when deemed desirable by my Executor or Trustee, and to invest in such bonds, stocks, notes, real estate mortgages or other securities or in such other real or personal property, as my Executor or Trustee shall deem wise, without being restricted to so called "legal investments" . (c) In order to effect a division of the principal of my estate or trust or for any other purpose, including any final distribution of my estate or trust, my Executor or Trustee is authorized to make said divisions or distributions of the personalty and realty partly or wholly in kind. If such division or Page 8 of 14 pages distribution is made in kind, •saidiassets; shall be divided: or'distributed:,at�- their respective .values on the date . or dates of their division- or. distribution. In making any division or distribution in kind, my Executor or Trustee shall divide or distribute said assets in a manner which will fairly allocate any unrealized appreciation among the beneficiaries . (d) To sell either at public or private sale and upon such terms and conditions as my Executor or Trustee may deem advantageous to my estate or trust, any or all real or personal estate or interest. therein owned by my estate or trust severally or in conjunction with other persons.4or--acquixed after my--.death by my!;Executor,..,or= Trustee-;_;and to .,consummate said7.saLe or,-!sales by Suff ici6nt=d4bds- or,, other in I ee� 's' or::.purc-hasers�,'.�� con'Veying-.ra f,- - imp- tee and clear• of.,all trust and without obligation or liability of the purchaser or purchasers to see to the application of the purchase: money or to make inquiry into the validity of said sale or sales; also, to make, execute, acknowledge and deliver any and all deeds, assignments , options or other writings which may be necessary or desirable in carrying out any of the powers conferred upon my Executor or Trustee in this paragraph or elsewhere in this Will . (e) To mortgage real estate and to make leases of real estate for any term. (f) To borrow money from any party, including my Executor or Trustee, to pay indebtedness of mine or of my estate or trust, expenses of administration, Death Taxes or other taxes. (g) To pay all costs, expenses , legally enforceable debts, funeral expenses and charges in connection with the administration of -my estate or trust-.. .'M '. socko. which�-form-- a- part (h) To vote any: shares..o.f t of my estate. or trust and to otherwise exercise all the powers incident to the ownership of such stock and to actively manage and operate any incorporated or unincorporated business, including any joint ventures and partnerships, and to incorporate any such unincorporated business, with all the rights and powers of any owner thereof . Page 9 of 14 pages (i) In the discretion of my Executor or Trustee, to unite with other owners of similar property in carrying out any plans for the reorganization of any corporation or company whose securities form a part of my estate or trust. (j ) To assign to and hold in my estate or trust an undivided portion of any asset. (k) To hold investments in the name of a nominee. (1) To compromise controversies. (m) To disclaim, in whole or in part, any and all interests in property owned by me at the time of my death, including those passing to me by Will, intestacy, contract, joint ownership, operatibn" cif-°law 'or otherwise . (n) To employ and compensate from income or principal, in the discretion of my Executor or Trustee, investment and legal counsel, accountants, brokers and other specialists, and, whenever there shall be no corporate Executor or Trustee in office, a corporate custodian, and to delegate to investment counsel discretion with respect to the investment and reinvestment of any or all of the assets held hereunder. 11 . EXCULPATORY CLAUSES . in the settlement of my estate : (a) My Executor shall not be personally liable for any loss to my estate or to any beneficiary of my estate resulting from an election made in good faith to claim a deduction as an income tax deduction or as an estate tax deduction. (b) In valuing property in my gross estate for the purposes of any Death Tax, my Executor shall not be personally liable for any loss to my estate or to any beneficiary of my estate resulting from my Executor' s decision made in good faith to use a particular valua- tion date. 12 . TAX CLAUSE. All inheritance, estate and similar taxes becoming due by reason of my death, except any taxes relating to generation skipping transfers imposed under Chapter 13 Page 10 of 14 pages of Subtitle B of the Internal Revenue Code, as amended ("Death Taxes") , whether such Death Taxes shall be payable by my estate or by any recipient of any property, shall be paid by my Executor out of the property passing under ITEM 2 of this Will as an expense and cost of administration of my estate; provided, however, that if any property held in any testamentary or inter vivos trust created by My Spouse is includable in my estate for purposes of any Death Tax, then any Death Tax .attributable' to the inclusion of any such property in my estate for the. purpoaea . of . that .Death Tax shall be paid out of such property or by the recipients of such property; and, if such Death Taxes are nevertheless paid by my Executor, I direct my Executor to obtain reimbursement or contribution for any such taxes paid by my Executor. Except to the extent above provided, my Executor shall have no duty or obligation to obtain reimbursement for any Death Taxes paid by my Executor, even though paid with respect to proceeds of insurance or other property not passing under this Will . 13 . CUSTODIAN OF ESTATES . If at any time any individual under the age of twenty-one shall be entitled to receive any assets free of trust by reason of my death, whether payable hereunder, by operation of law, contract or otherwise, I appoint my Executor as Custodian for such individual under the Pennsylvania Uniform Transfers to Minors Act . Page 11 of 14 pages 14 . TRUST MERGERS AND TERMINATIONS. (a) If there should be established by My Spouse, either by Last. Will and Testament or by inter vivos Deed or Agreement, trusts similar to the trusts herein established for the benefit of my issue, my Trustee herein shall have the right and power to merge trusts herein established with similar trusts for the same beneficiaries established by My Spouse and to operate each of the merged trusts as a single trust . (b) If, in the opinion of my Trustee, at any time any trust hereunder is or becomes too small to justify its maintenance as a separate trust , my Trustee, in my Trustee's, sole discretion an&-without the` necessity<.o€` court approval, shall terminate such trust by distributing-all the, income' and pPinbipal'"oft"tl e 'tYUst ^" to the then income beneficiary of said trust . If any additions to any such trust are received after its termination under this ITEM, such trust shall be revived and this provision shall continue to apply to it . 15 . EXECUTOR APPOINTMENT. I hereby appoint My Spouse, STANLEY LOCKMAN, as Executor of this Will . If for any reason My Spouse should fail or cease to act, I appoint my daughter, ELIZABETH HILLER, as Executrix. If for any reason My Spouse and my daughter should .fail or cease to act, I appoint my sister-in- law, LOUISE LEVINE, now of Merrick, New York and my granddaughter, NATASHA L. HOUDE, as Co-Executors . All references in this Will to my "Executor" shall refer to my originally named Executor or to my successor Executor or Co-Executors, as the case may be . 16 . TRUSTEE APPOINTMENT. I hereby appoint My Spouse, STANLEY LUCKMAN, and my daughter, ELIZABETH HILLER, as Co-Trustees of any trust created hereunder. if My Spouse or daughter shall for any reason fail or cease to act, My Spouse shall have the right to designate .in writing the successor Trustee to act in his Page 12 of 14 pages }x14' . .7..::.i—.tY..GV:c:—..'�a.^•.c[. ••::...T--- �:w:' '.v :av'.Y.••...ai"Rt S.^..3F.T .. ...'v',:.: . '..FZ:-�-.'u. _ . -.sue•s':r."..x°.i...'x 4,w 't F'.iC I....it14 ..TfSi'dN.11v': or my daughter' s stead. If My Spouse should for any reason fail or cease to act and My Spouse does not designate a successor, I appoint my granddaughter, NATASHA L. HOUDE, as Co-Trustee with my daughter. If Natasha Houde should ever become sole Trustee, I appoint my granddaughter, MIRIAM HOUDE, as Co-Trustee with Natasha. My Spouse shall not participate in any discretionary determination of the Trustee to distribute principal or income of the Unified Credit Trust . All references in ;thisr_Will; to;.my`- "Trustee" shall refer to my Trustees or .my,,successor,"Trustees or Trustee, as the case may be. So long as a Trustee or the issue of such Trustee is a beneficiary of any trust hereunder, such Trustee shall not (i) participate in any discretionary determination of the Trustee to distribute principal or income of such trust to or for the benefit of such beneficiary or to his or her issue; or (ii) participate in any discretionary determination of the Trustee to terminate said trust under the ITEM hereof entitled "TRUST MERGERS AND TERMINATIONS" . Any Trustee serving hereunder shall have the right to resign from such office at any time, with or without cause and without court approval . No successor Trustee shall be liable for the actions of the resigning Trustee occurring prior to the successor Trustee taking office . All references in this Will to my "Trustee" shall refer to my originally named Co- Trustees or to my sole successor Trustee, as the case may be . 17 . WAIVER OF BOND. My Custodian, Executor and Trustee shall qualify and serve without the duty or obligation of filing Page 13 of 14 pages irz-rnx cvs.s:r.T::srnt�:m..fss+ars'r':n^"5i artF z,^�r••':w m.s:ruw�'.m—•--r�2 ,+.. .,min—'-c,ac -:-.tS.GS�T"—Ti^.-{; ..'S' ,v-."iv:u'F'.r.:.2,'^"xr.r"Y^<:a'-"" R any bond or other security. IN WITNESS WHEREOF, I have set my hand and seal to this, my Last Will and Testament, consisting of this and the preceding thirteen (13) pages, this Aa day of / /Qs(_�c: •., 1995 . eL z( (SEAL) Rosal Luckman Signed, sealed, published and declared by the above- - named Testatrix, as and for her Last Will and Testament .-this I,2n day of 1995, in the presence of. us, the.-undersigned, : who were t1l together with her at such time and: thereuponi.,.we, at her request and in her presence and in the presence of .each::other did sign our names as attesting witnesses thereto, and we do . severally hereby certify that, at the time of the occurrences aforesaid we, and each of us, were acquainted with the said Testatrix, and knew of our own knowledge that she was of sound and disposing mind, memory, and understanding, that she was under no coercion or restraint, and that she was in all respects fully com etent to a a Will . Residing at c/ Y' & z� (� C--,7` ��14•`%nu-�-�4 ern 11`�^�7, Residing at 9 . Residing at C f a �ti l ] Pty 1-7 (C 7 .wr ik 'A -a 6' COMMONWEALTH OF PENNSYLVANIA SS : COUNTY OF DAUPHIN >'In .the..Courit of .Dauphin.,.' C995;nthe 1-th of Pennsylvania, flie thet.• �- : -thirty naia " t,t: . ��>";`<';,x•: on t eared,wi h the ,, who, being r , „ix p rsonaTl a P s ,, a n d';s ` that t: > <3tn�.ssed'¢t w y�5s�.'4t t`6,� •" k4r1 � } duly,r-sworn depose ' <o .n the'`�wlfthin,.,aauckmail^; ,th�'at'�say d',., ,estatr w execution T\ her T ast 44 t ...... t Roeal�ynnL the+�eatnd Ito be , r ri �n r d ;a �j' Pl, and Testa�e??t and'.deelat iat✓theyathereaftex `y `� ' I.R e;' r" Shc p.- �„ . \ wth ir4s1?r'es'. r rq j' 'txr r /- hz e6t$tZ`ix 8", "s ament In ,q Fr-:, t '7 in £]ie zesence o ,said d1 �� 'F )�< sub`s Sibdtnthe; sameswifneeAe' i? an�dpatptherequest ,6f4�y r§al}dyA }r{{er y '>9 '•.�'t. -0 X�7 + -r' each OtReT + - F 4th fi ^r1�3� r � fael?resen'cA,'of , ter,:,.;:.r: as the ,;isle,ofktheFrxeo�atioof r and �es,tatrlx wrr n t fuxilx ageyt hcl , Lss r}¢ n?1X� tJhat they e<a>d rz toxnthem zof t x :;r n''s ^ rTestatr�w: \ e"r:t' mentta#? e �d g rfrr� y1etYalnt'ior, Ti inii d}�me.... J an`de n'dess aa`del?as'wiol'lr de Yt�2 YEa }Wn4Ot ae @Ct r * ` R\ , ou]d, MQCtJ-;lnOOmpe'.tent L—vr 1,a 'rfYdm F ';r• -,f v \r. x��rt?any7j x I' dish lahguage rand ,was .`cuff ?hs1Ca1 orz mehtalr G ofnsight,lhearingnoz- peech,F �r from any' otherpk a valid will ,` acrty> to ;x ,.-�^ d affect her cap _1mpairment�whz�h; wpu ', aits ;.'tlia't : that sa :.Za's,tr Will'_'arid Testatnent:.was ex$cuted;:as and orig quest of 'said Teatatxractice in final instrument and was not eice.cuted` iri counterp they make this affidavitt aattorney-at-law admitted to p that Stanley A. Smith, su ervised the execution of said the Commonwealth of Pennsy lvania, P requirements of the instrument in accordance with the statutory Estates, Powers and Trusts Law: Witne �e a U' 'a S Ar.,. i' g:. :1n• --OW a:._ ... . . . ,_.p.... ..r.a , ...• i.. . Y. C ,'v yy-r "• �'> .)"'�`ih.T S':1'�y: ".'e!'P _ .t .,,.1 ..... r' ��:•!%. rv,..; .....>. . .. ........ .... -1'i, ''ll.]%'; : Y`,. :-t' >rl,.t•::lij,..;:..:'..- i9�:,:�: v r l +Or q 4�•' O NOtARIAL SEAL YVONNE R.DURHAM,Notary Public Harrisbur{I.Dauphin county, /J ...i...i..., Fvnirn,,.hdv 7.1997 STANLEY LUCKMAN Account 62786408 Page 2 of 6 001/R1f201`000 ROSALYN LUCKMAN Statement Period - Nov 5 - Dec 4, 2013 CITIBANO EZ CHECKING RATES AND CHARGES Continued Please'refer to your Citibank Account Terms and Conditions for details on-how we determine your monthly fees and charges. All fees assessed in a statement period, including non-Citibank ATM fees;will appear as charges on your next Citibank statement (to the account that is currently debited for your monthly service charge). t CHECKING ACTIVITY Regular Checking 4757174 Beginning Balance: $2.020 11 Ending Balance: $0.00 Date Description Amount Subtracted Amount Added Balance 11/05 Fee- Service Charge 15.00 '''2,005.11 11/21 Check#3233 2,005.11 0.00 Total Subtracted/Added 2,020.11 0.00 This is your final Checking Account statement. Your Checking Account is now closed. Overdraft Protection As of Source of Coverage I Amount. 12/04 Checking Plus I $0 T. a - r, SAVINGS ACTIVITY' Preferred Money.Market , 62786408 + x fa. :I, • Beginning Balance:. $0.00 Ending Balance: : . . . . $0.00" The balance in your Money Market Acco'urit-is zero.'Plea se note that if you 'maintain a zero balance for 90 consecutive days, we will consider the account inactive and will close it. We appreciate your business and we hope you will keep your account open. To do so, simply make a deposit. CUSTOMER.SERVICE INFORMATION;_ ........_. ....IF_..YOU.HAVE.QUESTIONS ON;..._....._......YOU-CAN CALL-:---...._._......_.._..._.............____._.YOU-CAN..WRITE.:.._.___........................ .._..._.. Checking , . 800-627-3999 'Citibank Client Services Checking Plus (For Speech and Hearing 100 Citibank Drive Preferred Money Market` Impaired Customers Only San Antonio, TX 78245-9966 TDD: 800-945-0258) FOR BILLING INQUIRIES/ For Billing Inquiries calling Citibank CREDIT BUREAU DISPUTES:' or e-mailing will not preserve PO Boz 769004 our ri hts: ' San Antonio, TX 78245-9004 . 4 Please read the paragraphs below for Impohalit inforhietion on your accounts with us.Note that some of these products may not be available In all states or In all packages. . The products reported on this statement have been combined onto one monthly statement at your request.The ownership and title of Individual products reported here may be different from the addressees)on the first page. IV. Additional Checks Issued at Closing Check drawn on Signature Bank payable to "NYC Dept. of Finance" representing City and State Transfer Tax. $ 16,433.75 Check drawn on Signature Bank payable to "NYS Income Tax" representing Estimated Income Tax Payment. $ Check drawn on Signature.Bank payable to "Cohen & Frankel, LLP" v representing Legal Fees. $ 3,250.00 Check drawn on Signature Bank payable to "TitleVest" representing ACRIS Preparation and Filing Fees. $ 110.00 Check drawn on Signature Bank payable to "AKAM Associates" representing Transfer Fee & Estate Document Review. $ 1,038.65 Check drawn on Signature Bank payable to "50 Sutton Place South Owners Inc." representing Transfer Fee &Estate Document Review. $ 2,181.79 Total of Additional Checks Issued at Closing $ 23,014.19 V. Reconciliation of Escrow Account Deposits into Escrow Downpayment $ 89,500.00 Interest $ Payments from Purchaser $ Total Deposits $ 89;500:00 Disbursements from Escrow Checks Issued at Closing $ 23,014.19 Wire Fee $ _ Total Disbursements $ 23,014.19 TOTAL TO BE RETURNED TO THE CLIENT $ 66,485.81 p p :. eD Y a o r > v r -j N 0 0 W CCD 7 y n d n b � CD :4 M 115 o n. o o x N o -on co C an � w = C C �. n� a y ° n o n > < n w [7 o H cn (D pr 77 0 w CL e� CL o ° w ct) H z 5 c� W r 5 v c c w e v o a CD w � w w w m vo 0 �? fD fA " QO �' N o c c 0 0 0 cn cn cn cn Fn to cn ffi sn in 00 00 0 C+ �O 00 00 O. th to �•-` -• O C� CN to to C\ O O Ca n. O W W O Cl W O Cl W l4 p O� CN p O CN O O C� C\ O 00 C00 O cO 00 O O O 00 W 02-Dec 13 02Dec13374 THIS PAGE IS PART OF A STATEMENT REQUEST GROUP ID G02Dec13 374 CHA5 E r Sephxnbw 27.2013 through Ockber 25.2013 JP rgm Chase Bank.N.A. PMmry Accent 000000961924941 P O Box 658754 San Antonio,TX 78265-9754 CUSTOMER SERVICE INFORMATION Web she: Chase.cotn 1,1,III,,.Ill,n..JL..II,,.ILIJ11„IL,dIIL.,.,ll,l,l„I Service Canter. I-SDD435-gM W1a19I5DRE=219Z&13NNNNINNNNNN taWUfr 0180 Deal and Hail of Hearin¢ 1-800-242-7333 ROSALYN WOKMAN Pam Espanol: 1.677-312-4273 OR ELIZABETH HILLER International Calls: 1-713-262-1679 3 BRIARWOOD CT CAMP HILL PA 17011-1511 MMMEEEZ �o ASSETS Checking&Savings AccoMvr BEGINNING BALANCE BNDINGBALANCE TM PERM THIS PERIOD Chase Total Checking 000000931924941 SZ801.36 $2,747.36 Chase Total Checking OODD00961924867 47232 47232 Chase Savings ODD0029893218W 2,911.40 911.42 Total $6,785.08 $4,131.10 TOTAL ASSETS $6,185.08 $4,131.10 All Summary Belances shown are as of October 25,2013 unless otherwise stated. For details of your retirement accounts,credit accounts or securities accounts,you will receive sepamle statements. Balance summary infomretion for annuities is provided by the issuing ksumnce companies and believed to be reliable without guarantee of is completenes or accuracy. un, n f ROSALYN LUCKMAN Account Number.000000961924941 OR ELIZABETH HILLER CHECKING SUMMARY AMOUNT Beginning Balance $2,801.36 Deposits and Additions 2,000.00 Checks Paid -2,042.00 Feas and Other Withdrawals -12.00 Ending Balance $2,747.36 Interest Paid Year-to-Date $0.02 Pepe t a 6 PMA account 3191600337 ■ September 1,2013-September 30, 2013 ■ Page 1 of 13 PMAWells Fargo® PMA Package Questions?Please contact us: Wells Fargo Premier Banking Team"' Available 24 hours a day,7 days a week Phone: 1-800-742-4932, TTY: 1-800-600-4833 Spanish: 1-877-727-2932 Chinese: 1-800-288-2288 Online: wellsfargo.com Write: Wells Fargo Bank,N.A. 004081 3 AV 0.610 1033123 P.O.Box 6995 �IIII'I�II'II'1111'I'Ilrllrllllllllll'IIII�IIIIIII"rrllrllllllll Portland,OR 97228-6995 ROSALYNLUCKMAN DL.L ELIZABETH HILLER POA September 30, 2013 3 BRIARWOOD CT CAMP HILL PA 17011-1511 Total assets: $129,900.74 Last month: $129,408.15 a Change in$: $492.59 Change in%: 0.38% N 0 0 Total liabilities: $0.00 m Last month: $0.00 Change in$: $0.00 z Change in%: 0.00% z z z Qualifying Balance: $129,900.74 z Deposit Balance: $114,095.04 -zz z z Contents Pnye z z Overview. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 $ PMA'Premier Checking Account. . . . . . . . . . . . . . . .4 g Retirement Certificates of Deposit. . . . . . . . . . . . . . .5 0 Retirement Brokerage Account. . . . . . . . . . . . . . . . .6 m gi w V N A 113 PRA account 3191800337 ■ September 1,2013-September 30,2013 ■ Page 2 of 13 � J Overview of your PMA account Assets Percent Balance last Balance this Increase/ Percent Account (Account Number) oftotal month($) month IS) decrease($) change PMA•Premier Checking Account (3191800337) N/A 0.00 0.00 0.00 0.00% Retirement Certificate of Deposit IN 1257020091176834) 88% 113,954.46 114,095.04 140.58 0.12% Individual Retirement Account®* (41485454) 12% 15,453.69 15,805.70 352.01 2.28% Total assets $129,408.15 $129,900.74 $492.59 0.38% * Investment and Insurance Products: ► Are NOT insured by the FDIC or any other federal government agency ►_Are.NOT deposits of or guaranteed by the Bank or-any Bank affiliate ► MAY Lose Value Total asset allocation(by account type) Total asset allocation(by Retirement and Non-Retirement) Investment.12% acRetirement Account- cl account s0 retirement Wells Fargo classifies Q asi retirement account. See Derr sit, zof Revremene 100% below for more details. Deposit,BB% Retirement assets Percent Balance last Balance this Retirement Brokerage: Account f4ccounr Numbed of total month($) month($) 12% Retirement Certificate of Deposit 88Wo 113,954.46 114,095.04 1257020091176834) pwj tD Individual Retirement Account wwe5454) 12% 15,453.69 15,605.70 a Total retirement assets $129,408.15 $129,900.74 Retirement Certificate of Deposit.BS% Interest, dividends and other income The information below should not be used for tax planning purposes. Account This month This year Retirement Certificate of Deposit (257020091176834) 140.58 3,068.48 Individual Retirement Account (414BS4541 102.01 871.09 Total interest,dividends and other income $242.59 $3,939.57 C PMA account 3191800337 ■ September 1,2013-September 30,2013 ■ Page 3 of 13 Iltr� OVERVIEW OF YOUR PMA ACCOUNT (CONTINUED) The"Overview of your PMA Account'section of your statement is provided for informational and convenience purposes.The Overview shows activity and information from(1)deposit,credit,trust and foreign exchange accounts with Wells Fargo Bank, N.A.,and (2)brokerage accounts with Wells Fargo Advisors,LLC,or Wells Fargo Advisors Financial Network, LLC (members SIPC); brokerage accounts are carried and cleared through First Clearing, LLC;(3) Wells Fargo Funds Management, LLC provides investment advisory and administrative services for Wells Fargo Advantage Funds;other affiliates provide subadvisory and other services for the Funds; and(4)insurance products offered through non-bank insurance agency affiliates of Wells Fargo&Company and underwritten by unaffiliated insurance companies. 276554 PMA account 3191800337 ■ September 1,2013-September 30, 2013 ■ Page 4 of 13 PMA® Premier Checking Account Activity summary Account number: 3191800337 Balance on 9/1 0.00 ROSALYN LUCKMAN Deposits/Additions 0.00 ELIZABETH HILLER POA Withdrawals/Subtractions -0.00 Wells Fargo Bank,N.A.(Member FDIC) Balance on 9130 $0.00 Pennsylvania account terms and conditions apply Questions about your account: 1.800-742-4932 Worksheet to balance your account and General Statement Policies can be found towards the end of this statement. Interest you've earned Interest paid on 9130 $0.00 Average collected balance this month $0.00 ..Annual percentage yield earned 0.00% Interest paid this year $0.00 [::::::a Online Banking ine Access Agreement. ed, please visit wellsfargo.com/onlineupdates. 276555 PMA account 3191800337 ■ September 1,2013-September 30,2013 ■ Page 5 of 13 • I Retirement Certificates of Deposit Retirement Certificate of Deposit Account summary Account number: 257020091176834 Original value $1.00 ROSALYN LUCKMAN Current value 5114,095.04 TRADITIONALIRA Original issue date 72/08 Wells Fargo Bank N.A.,Pennsylvania(Member FDIC) Current issue date 7/2113 Questions about your account: 1-800-BEST-IRA Maturity date 72/18 Term 60 months 0 Interest you've earned 2013 account summary M 7) Interest rate 0.50% Interest paid 53,068.48 Annual percentage yield 0.50% Distributions $8,953.75 x N Interest accrued but not paid $1.56 8 Interest paid this year $3,068.48 w z Activity detail z Interest Paid 140.58 z C_ Current balance $114,095.04 z z z z z z z 8 u 0 0 J Y A U yO m N N pJ OI m J N N N O) PMA account 31 91 8003 37 ■ September 1,2013-September 30,2013 ■ Page 7 of 13 • RETIREMENT BROKERAGE ACCOUNT STATEMENT(41485454 CONTINUED) Cash flow summary Progress summary fits PMO This yeo r This period This Year Opening value of cash&sweep $1,118.69 - Opening value $15,453.69 $17,757.27 Income and distributions 102.01 946,09 Cash deposited 0.00 0.00 Securities deposited 0.00 0.00 Net additions to cash _ $102.01 $946.09, Cash withdrawn (40.00) (1,365.16) Withdrawals 0.00 (1,325.16) Securities withdrawn 0.00 0.00 Incomeearned 102.01 946.09 Other subtractions (40.00) (40.00) Change in value 290.00 (1,532.50) Net subtractions from cash $(40.00) $(1,365:16) Closing value $15,805.70 $15,805.70 Closing value of cash&sweep $1,180.70 Income summary This period This yep, Value over time v Money market/sweep funds 0.01 0.09 Dividends and short term capital gains 102.00 871.00 20000 n Total income $102.01 $871.09 g 15,000 0 m 10,000 z z z 5.000 z l/ z p P z 2 z 2 g a 0 0 J N O IV Vo) W w V N 4y,] PMA account 3191800337 ■ September 1,2013-September 30,2013 ■ Page 8 of 13 M 0 RETIREMENT BROKERAGE ACCOUNT STATEMENT(41485454 CONTINUED) Portfolio detail Caslt . ..... ........... anci svlreap I 7. ................ .......... ...... Bank Deposit Sweep-Consists of monies held at Wells Fargo Bank N.A.and(if amounts exceed$250,000)atone or more other Wells Fargo affiliated banks.These assets are not covered by SI PC,but are instead eligible for FDIC insurance of up to$250,000 per depositor,per institution,in accord anice with FDIC rules.For additional information on the Bank Deposit Sweep for your account,please contact Your Financial Advisor. Cash and sweep balances[7.47%] Annualperceruage Market Estimated Estimated Description yieldearned(APYE)• Value(S) onn.almrame(s) current yield(96) Cash N/A 27.00 N/A N/A BANK DEPOSIT SWEEP 0.01% 1,153.70 0 N/A Interest Period 09/01/13-09/30/13 Total Cash and sweep balances $1,180.70 $0 'APYE measures the total amount of the interest paid on an account based on the interest rate and the frequency of the compounding during the interest period.The annual percentage yield earned is expressed as an annualized rate,based on a 365-day year. ................... ............ .............. .... .................. Mutual.funds 192. 1:Z.'. ........ ................. ....... ... ....... ...... ............ Mutual fund shares are priced at net asset value.Estimated Annual Income and Yield refer to Dividends and Interest Income only,and typically do not reflect Total return. Closed end mutual funds[92.53%] Estimated Estimated Current market annual annual iu Quantity De...ipti.n value($) income(S) yield(%) 1,000.00000 ALPINE TOTAL DYNAMIC 4,020.00 324 8.06 DIVIDEND FUND Sal Symbol: ADD Current Market Price:$4.0200 750,00000 WELLS FARGO ADVANTAGE 10,605.00 900 8.49 MULTI-SECTOR INCOME FUND Symbol: ERC Current Market Price:$14.1400 Total Closed end mutual funds $14,625.00 $1,224 8.37 Total Mutual funds $14,625.00 $1,224 8.37 PMA account 3191800337 ■ September 1,2013-September 30, 2013 ■ Page 9 of 13 RETIREMENT BROKERAGE ACCOUNT STATEMENT(41485454 CONTINUED) r '.v'ten n c x n; Preferredsl ixed rate cap securities .,:.,..,:ii. ....< r:.. . .k:. a . E e.,..,...<. Preferreds/Fixed rate cap securities Estimated Estimated Curmnimarket annual annual Quantity Description value(5) income(S) yield(%) 500.00DDO UAL CORP PFD N/A N/A N/A Symbol: UALZQ Current Market Price:N/A' Total Preferreds/Fixed rate cap securities - N/A 0.00 'This unpriced security is not reflected in your total portfolio value. p 0 v ^S Sir r`S Y �6 9l f5:5F Y t,. VY t 6 .). Y1` A _ A+ctwity`detail by date r r N z o 0 c.[ .i ..: un�t,b.a ..,.'S;n,S.,[» � id3. .., d..,mn '['. �aa,.�.c. �. :.e .�a.o n. .. �::.,.o, :..r)n.,i p .. ..:: ..... 04 O _m Account Transaction/ Cash&sweep < Dote Type check number Quontfty Descripflon Price(5) Amount(S) balances IS) < 2 09/01 Beginning balance 1,118.69 z z 09/03 Cash DMDEND WELLS FARGO ADVANTAGE 75.00 1,193.69 ;' z - MULTI-SECTOR INCOME FUND z 090313 750 z z 09/13 Cash FEE 2013 ANNUAL FEE (40.00) 1,153.69 z z D9/30 Cash DIVIDEND ALPINE TOTAL DYNAMIC 27.00 - z DIVIDEND FUND SBI $ 093013 1,000 `n 09/30 Cash INTEREST BANK DEPOSIT SWEEP 0.01 1,180.70 - 093013 1,153 N Ending balance $1,180.70 w m w w ss (�■�� 'i.■.:�s ^r w A,,: n P ,�f s�. n�.. s S" [^'.�YE i...�' Cash sweep activity F S b 1 y ' L d F 6 ss sGhNx .J..! Sr :8 Our Cash Sweep program allows you to earn a return on the idle cash balances in your account by automatically investing such balances into one of our m cash sweep options.These'sweep transactions'may represent a net amount for the day and occur on settlement date.The following section displays transfers into and out of your sweep option.Transactions displayed here are Transfer To,Transfer From and Reinvested Dividends and Interest.These transactions amounts are not included in your cash flow summary. Dote Transaction Description Amount(S) 09/01 Beginning balance 1,091.69 09/03 TRANSFERTO BANK DEPOSIT SWEEP 27.00 09/04 TRANSFER TO BANK DEPOSIT SWEEP 75.00 09/16 TRANSFER FROM BANK DEPOSIT SWEEP (40.00) 09/30 REINVEST INT BANK DEPOSIT SWEEP 0.01 Ending balance $1,153.70 PMA account 3191800337 ■ September 1,2013-September 30, 2013 ■ Page 10 of 13 D RETIREMENT BROKERAGE ACCOUNT STATEMENT(41485454 CONTINUED) Retirement plan account summary Contact us if information requires updates Previous tax year($) Current tax year(S) Customer service: 7-866-261-7436 Contributions summary Wells Fargo Advisors Contributions 0.00 0.00 401 South Tryon Street Rollovers 0.00 0.00 Charlotte,NC 28288-1164 Distribution summary Net distributions (1,325.16) Account information Federal withholding 0.00 IRA Plan Value $15,805.70 State withholding 0.00 Account holder birthdate: 07/24126 Gross distributions (1,325.16) Attained age as of 12/31/13 87.0 A portion of these assets may not be covered by SIPC.Bank products are eligible for FDIC insurance up to$250,000 in accordance with FDIC rules. Required minimum distribution Beneficiary information RMD for tax year 2013 $1,325.16 Name Percentage *If this isyout only retirement account,your Required Minimum ELIZABETH HILLER 100.0095 Distribution for 2013 has been satisfied. This beneficiary information is based upon the most recent data available and is being provided as a service to you.In the event of death, your most recent beneficiary designation on file will govern. Q 0 w a w w N r PMA account 3191800337 ■ September 1,2013-September 30, 2013 ■ Page 11 of 13 ADDITIONAL INSTRUCTIONS REGARDING YOUR BROKERAGE ACCOUNT(S) About your rights and responsibilities IRAvithholding notice Form W-4P/OMB No.1454-0415 The withdrawals you receive from your IRA(except Education IRA)are subject to Federal income tax withholding unless you elect not to have withholding apply.If you have a periodic,or an demand-distribution,your election regarding our withholding of Federal income tax on your behalf stays in effect until you change it.You may change or revoke your election at anytime and as often as you wish by completing anew election form.If you elect check-writing privileges,you will also have previously elected to have no withholding on your withdrawals.If you decide to have taxes withheld you will not be eligible for check writing from your IRA.If you elect not to have taxes withheld you will be liable for payment of all taxes due on the taxable portion of your distribution and you maybe responsible for payment of estimated tax.You maybe subject to tax penalties under the estimated tax payment rules if your payments of estimated tax and withholding,if any,are not adequate. Income on non-reportable accounts Your income summary Is categorized into taxable and tax-exempt income based upon the securities that you hold.Please be aware that,since this is a 1099 non-reportable account,this income wit NOT be reported to the IRS,but is being provided to you for informational purposes only. Option accounts Assignment notices for option contracts are allocated by an automated random selection process pursuant to FINRA Rule 2860 that selects from among all client short option positions those contracts that are subject to exercise,including positions established on the day of assignment.A more detailed description of our random allocation procedures is available upon request.Further information with respect to commissions and other charges related to the execution of option transactions has been included in confirmations of such transactions previously furnished to you.Copies of transaction confirmations are available upon request. Margin accounts Interest charged on debit balances in your margin account appears on this statement.The rate of interest and period covered are indicated.The rate may change from time to time due to interest rate fluctuations or for other reasons.Interest is computed as described in material previously furnished to you. _ This is a combined statement of your general account and the Special Memorandum Account maintained for you under Section 220.5 of Regulation T issued b the Board of Governors of the Federal Reserve Board.The N y permanent record of the separate account,as required by Regulation T,is available $ for your inspection. o Cost basis-To add,update or modify cost basis information or options,contact the individual servicing your account. m This statement resents estimated unrealized gains or losses based on information provided b p 9 p y you or your preceding custodian.The information z displayed is provided for your Information and may or may not be provided to the Internal Revenue Service for tax reporting purpose.If acquisition or Z other Information is not available,the gain/loss information may not be displayed and section and summary totals may not reflect your complete z portfolio.Cost basis information for non-covered securities Is not verified by FCC or Wells Fargo Advisors and should not be relied upon for legal or tax = r purposes.Revisions to this information(due to corporate mergers,tenders and other reorganizations)may be required from time to time. z Cost basis for factored bonds(GNMA,CIVIC,etc.)will be adjusted for paydown of principal.Systematic Investments in mutual funds and reinvested z dividends for mutual funds and stocks have been consolidated for each position.Unit cost data for systematic Investments and dividend reinvestment z securities is provided for Informational purposes only and is anon-weighted average. Z Your account statement should not be used for tax preparation without assistance from your tax consultant.We do not report capital gains or losses for z non-covered securities to the IRS. Z Cost basis options- Unless specific tax lots are selected at trade time,sales of tax lots will occur using the cost basis election reflected in the Account profile section.If you have elected average cost basis accounting for some or all mutual funds and/or for specific shares in a dividend reinvestment plan $ held in your account,then the lots or positions where average cost basis methodology was used are denoted with an'A'in the Portfolio Detail and Realized GA_sections of your statement. u, Direct Participations Program(DPP)/Real Estate Investment Trust(REIT) ° Shares of Direct Participation Program("DPP')and Real Estate Investment Trust('REIT")securities that are not listed on a national exchange are generally illiquid.Because no formal trading market may exist for these investments,their values are estimated.The prices on this statement for direct investments are typically obtained from a third party or from the investments'Issuer(general partners).FCC is not responsible for third party or Issuer information. Third party and issuer values are as of a certain date,which may be as much as 18 months old at statement date.Issuer estimated values may be $ calculated based on different information from that used by third parties to derive their estimated values.These values differ substantially from prices,if v any,at which a unit may be bought or sold and do not necessarily represent the value you would receive from the issuer upon liquidation.In any instance where neither an Issuer nor a third-party estimated value is provided,the value of the security will be different from its purchase price.These securities m may not be covered by SIPC or excess SIPC coverage.You should always request a current valuation for your securities prior to making a financial decision or placing an order. Wells Fargo Advantage money market class A shares as sweep fund The estimated current yield for the money market fund shown on this account statement may reflect the net dividend after deduction of an administrative fee assessed on the sweep option for your account,and assumes the dividend reflected on this statement will continue to be issued at this same yield for the next 12 months.The administrative fee is assessed at a maximum annualized rate of 0.30%of assets invested in that sweep option. Unless the administration fee is temporarily waived,the fee has been directly deducted from the dividends you receive and the account statement reflects such dividends net of this fee. Callable bonds and preferred stock Bonds and preferred stock that are subject to a partial call will be selected by an impartial lottery process pursuant to NYSE Rule 402.30 in which the probability of your securities being selected for redemption is proportional to the holdings of all shareholders of such securities held In street name.If a security Is called prior to maturity it may affect the yield you receive.Additional information is available upon request. Your Wealth Management Relationship Manager Your relationship manager listed is employed by Wells Fargo Bank,N.A. Wells Fargo affiliates may be paid a referral fee in relation to clients referred to Wells Fargo Bank,N.A.(WFB). WFB offers various advisory and fiduciary products and services. Financial Advisors of Wells Fargo Advisors,LLC(member L SIPC),a separate non-bank affiliate,may refer clients to the bank for an ongoing or one-time fee. The role of the Financial Advisor with respect to bank products and services is limited to referral and relationship management services. WFB is responsible for the day-to-day management of any bank products and services and their related accounts. Priority Credit Line Advances made on your Priority Credit Line may be made for any purpose other than purchasing,carrying or trading in securities,or reducing or retiring indebtedness incurred to purchase,carry or trade in securities. PMA account 3141800337 ■ September 1,2013-September 30,2013■ Page 12 of 13 • IMPORTANT INFORMATION ABOUT YOUR BROKERAGE ACCOUNTS AND STATEMENTS Charing services First Dearing,LLC f'FCC"),an indirect wholly owned subsidiary of transactions.All account ztatememnsent toyou shall be deemed complete and Wells Fargo&Company,is a clearing broker-dealer registered with the Securities accurate if not objected to in writing within ten days ofmceipt.We encourage you and Exchange Commission('SEC')and is a member of the New York Stock to review the details in this statement.if you do not understand any of the Exchange('NYSE),the Financial Industry Regulatory Authority('FINRA)and all information in your statement or Hyou believe there are any maccuradeior principal US.exchanges.FCC conies your account and acs as your custodian for discrepandes in your statement,you should promptly report them to both FCC funds and securitiesdepodted with us directly by you,through our affiliated broker and to the manager of the Wells Fargo Advisors office listed on your statement.To dealers,Wells Fargo Advisors,LLC and Wells Fargo Advisors Financial Network LLC further protect your rights,including any rights under the Securities investor ('Wells Fargo Advisors')or as a result of transactions we process for your account. Proteaion Act,any verbal communications with either your Wells Fargo Advisors Wells Fargo Advisors is the trade name used by two separate registered office or with FCC should be reconfirmed in writing.inquiries or complaints about broker-dealers:Wells Fargo Advisors,LLC and Wells Fargo Advisors Financial asr account statement,Including the positions and balances in Network,LLC,Members SIPC,tun-bank affiliates of Wells Fargo&Company.Twice y g P your account,may a year.FCC publishes on its web site www.frdclearinglIccom a statement rofthe be directed to First Clearing Client Services at ATTN:H0006-09P,i N.Jefferson Ave, firm's financial condition.Alternatively,a printed statement is available to you St Louis,MO 63103,(800)727 4304. upon request Unless and until we receive written notice from you to the contrary, Public Disclosure:You may reach FINRA by calling the FINRA BrokerCheck Hodine FCC may,without inquiry or investigation,accept from Wells Fargo Advisors(!) at(800)289.9999 or by visiting the FINRA webslte at wwwfinnsorg.An investor orders far the purchase or safe of securities for your account on margin or broth.,etbatin dudesinformationdesedbing FINRAFrokmCbeckisavallabie 'otherwise,and hO any other instmctionsconceming youraccount fr mFiNRAupon request-Abrochuredescdbirsgthe FiNRAPridng otSecudties—� Trade date statement All activity and positions on this statement are shown as of Regulation Public Disclosure Program is also avzllabie from the FINRA upon the date a trade is entered on the brokerage trading system(i.e.the trade date). request. Proceeds from the sale of securities and costs for the purchase of securities are not $I PC protection Securities and cash in client accounts have two sources of transacted through your account until the actual settlement date of the trade, protection,Wells Fargo Advisors is a,,ember of the Securities investor Protection which may be up to three business days after the trade date(at longer fa certain Corporation tsfrcl.SIPC protects the clients of its member firms against the last of securities with an amended settlement date), - their securities in the event of the member's insolvency and liquidation.Each client Pricing of securities Securities prices reflected on your statement may vary from is insured up to a maximum of$500,000(including$250,000 for claims for cash).For actual liquidation value.Prices shown are provided by outside quotation services more information on SIPC coverage,please we the explanatory brochum at which we believe to be reliable but due to the nature ofmad;et data the accuracy www.sipc.og or contact SIPC at(202)371.8300.In addition,Wells Fargo Advisors ofsuch prices cannot be guaranteed,or in the absence of such pricing,ate a maintainsaprogramofexcessprotwion.Thisadditionalinsumncecoverageis estimated by Wells Fargo Advisors using available information and its Judgment. provided through London Underwriters(led by Lloyd's of London Syndicate) Such estimates may not reflect actual trades and do not reflect a commitment by Ctl(tyd'i).For clients who have received the full SIPC payout limit Wells Fargo the firm to buy or sell at those prices.Securities listed on a national exchange such Advisois'puhcy with Lloyd's provides additional coverage above the SIPC limits for as the NYSE or Nasdaq Stock Market are priced as of the dose of the statement any missing securities and cash in client brokerage accounts up to a firm aggregate period.Unlisted shares may bovalued at the current best published'bfd-price', °limit of$1 billion(including up to$1.9 million forcash per client).SIPC and the and,6none exists,the last reported transaction Ifoccurung within the last 45 days.• sddibomal Pniteaion do not Insure the quality of investments or protect against Prices of securities not actively traded may not be available and are indicated by losses from fluctuating market value. - 'N/A,'Corporate and municipal bonds and other fixed Income securities am priced Investor education Wells Fargo Advisors publishes on its web site by a computerized pricing service or,for less actively traded Issues,by utilizing www.welldargoadvisors.com Information on topics of interest to Investors as well yieki-based matrix system to arrive at an estimated market value.Listed options as market commentary and econtsmic analysis.Wells Fargo Advisors has also are priced based on the dosing'bid-ask'prices and the fast reported trade.Mutual developed numerous investor education guides to provide you with important fund shares are priced at net asset value.Shares of direct participation program Information regarding the products and services we offer.These guides may be ('DPPA)and real estate investment trust securities that are not listed on a found under the'Investor Education tab, national exchange are generally illiquid.Because no formal trading market may Free credit balances Free credit balances are not segregated and may he used by o exist for thew ltwestrmntc,their values are cstimamd.Unlessothetwise indicated, FCC in the operation of Its business in accordance with 17CFR Section 240.1 Sc3-2 bs's the values shown for DPP and PUT securities have been provided by the &-3 under the Securities and Exchange Act of 1934.You have the right to receive rO3i management of each program and represent that management's estimate of the from us in the course of normal business operations.subject to any open ° investors interest In the net asse ts of the program.See statement sections for commitments in any of your accounts,any free credit balances to which you are additional pricing information.Prices for hedge funds and certain managed futures entitled. funds are provided on a month delay basis.Other managed futures funds may be investment objectives/Risk tolerances Pleas a inform us promptly of any material priced mote frequently.tong-urmcertificates of deposit immunity beyond one charge that might affect your investment objectives,risk tolerances or firsandal year from date of issue)are priced using a market value pricing model.Generally, situation.re H you wish to impose a,change any reasonable restrictions on the the sale or redemption price of your securities may be higher or lower than the management of your account.A copy of the Investment Advisory Services prices shown on your statement.For an actual quote,contact the individual Disclosure document is available without charge upon request.Please contact the servicing your account individual denoted on the front of your statement to update your information and Estimated annual incometyield Estimated Annual Income(EAQ,when available, to receive a copy of this document. reflects the estimated amount you would earn on a security if your current position Tax reporting We ate required by federal law to report annually to you and to the and its(elated income remained constant for a year.Estimated Annual Yield(EAY), Internal Revenue Service('IRS')on Form(s)1099 interest income,dividend when available,reflects the current estimated annual income divided by the payments and sales proceeds Including cost basis information for applicable current value of the security as of the statement dosing date CAI and EAY are transactions credited to your account. estimates and the actual income and yield might be lower or higher than the Non US resident additional client disclosure This section of the Account estimated amounts.EAY reflects only the Income generated by an investment.it Statement Disclosures applies to non United States residents and non US does not reflect changes in its price,which may fluctuate. domiciled entities who maintain accounts with Wells Fargo Advisors.Your account The information used to derive these estimates is obtained from various outside Is based in the United States of America.and not in your country of residence.Wells vendors;FCC and our Finn are not responsible for incorrect or missing estimated Fargo Advisors accounts,products and wNhes may not have been mgluered, annual Income and yields.Past performance is not a guarantee of future scrolls. reviewed or approved by any governmental,banking as securities regulator in your Income summary The Income summary displays all Income airecorded in the tax country of residence or domicle.Not all of out accounts,produas,services or system as of period end date.The totals in the Cash Bow snapshot may not match Investments are available to residents ofall countries.Many countries have various the totals in the Income snapshot due to reclassifications or other corrections made laws,rules and regulations that may apply to your opening and maintaining in the tax system.Remember,you may have certain products that are not included accounts.products or services outside your country of residence or domicile, In thew figures and whose income is only available on the tax forms sent to you at Including repotting and filing requirements and laws,lees and regulations year-end.Reciassificatbns and other taxmporing requirements may alter these regarding taxes,foreign exchange in capital controh.You should understand that numbers both during and after year end.You should rely only on tax reporirg Wells Fargo Advisors and its affiliates cannot advise you as to the existence or documents.Contact your tax advisor if you have any questions about the tax applicability of any such laws,etc,and that you are responsible for knowledge of consequences of you,brokerage activity. and adherence to any such laws,rules and regulations and reporting or fling About your rights and responsibilities requirements to your country or domicile of residence that might apply as a result ofyour maintaining an account itch Wells Fargo Advisors In the United States of Questions and complaints about Your Account This account statement contains America. Important information about your brokerage account,Including recent PMA account 3191600337 ■ September 1,2013-September 30,2013 ■ Page 13 of 13 Worksheet to balance your checking account 1. Go through your check register and mark each check(this includes 2. Using the chart below,list any outstanding,converted of substitute cancelled,converted and substitute checks that may appear on your checks,as well as any ATM withdrawals,payments or any other statement),withdrawal,ATM transaction,payment,deposit or other credit withdrawals(including any from previous months)which are listed In your J listed in the"Transaction history'section of your statement. Be sure your register but are not shown on your statement. register shows any interest or dividends paid into your account and any service charges,automatic payments or transfers withdrawn from your 3. Balance your account by filling in the spaces below. account during this statement period. teo ENTER g]The"ending balance" shown on your statement $ Items outstanding ADD $ Check number Amount ®Any deposits listed in o your register or transfers into $ v your account which are not $ 9 shown on your statement $ N $ i$ $ m CALCULATE SUBTOTAL (Add parts®and©) $ _ t z (.SUBTRACT z ]Total olicutstanding _ a checks and withdrawals from - z the chart at right $ 1 z Z %DCALCULATE z ENDING BALANCE 8 (Part ]+Part©-Part©) This amount should be the a same as the current balance '^ 0 shown in your check register. 5 Total S m General statement policies for Wells Fargo Bank N 0 To dispute or report M Checking account information. After 1.Tell us your name and account number(if any). m Inaccuracies in Information we balancing your checking account,please report have furnished to a consumer any differences to us as soon as possible but no 2. Describe the error or the transfer you are Reporting Agency about your later than within 30 days. Special provisions, unsure about,and explain as clearly as you can accounts. You have the right to including a reporting period of up to 60 days, why you believe it is an error or why you need dispute the accuracy of apply if the difference involves an electronic funds more information. Information that Wells Fargo Bank transfer. These provisions are explained below. N.A.has furnished to a consumer 3. Tell us the dollar amount of the suspected reporting agency by writing to us ■ In case of errors or questions about your error. at wells Fargo Servicing,P.O.Box electronic transfers,telephone us at the number 14415,Des Moines,iA printed on the front of this statement or write us at We will investigate your complaint and will 50306.3415. Please describe the Wells Fargo Bank P.O.Box 6995,Portland,OR correct any error promptly. If we take more than specific information that is 97228-6995 as soon as you can,if you think your 10 business days to do this,we will credit your Inaccurate or in dispute and the statement or receipt is wrong or if you need more account for the amount you think is in error,so basis for the dispute along with information about a transfer on the statement or that you will have the use of the money during the supporting documentation. If you receipt. We must hear from you no later than 60 time it takes us to complete our investigation. believe the information furnished days after we sent you the FIRST statement on is the result of identity theft, which the error or problem appeared. 0 Deposit and credit products offered by Wells please provide us with an identity Fargo Bank N.A.,Member FDIC theft report. 412012 Wells Fargo Bank N.A.All rights reserved.NMLSR ID 399801 121 a»t 12-18-' 13 12:13 FROM- T-409 P0001/0002 F-97B © M&T'Bank 499 Mitchell Street, Millsboro, DE 19966 December 18, 2013 Rhoads &Sinon LLP One South Market Square 120,Floor P.O. Box 1146 Harrisburg, PA 17108-1146 RE: Estate of Rosalyn Luckman Date of Death: September 22, 2013 Social Security Number: 076-20-7337 Dear Ms. Durham: . In response to your request, please be advised that at the time of death, the above- named decedent had on deposit with this bank the following accounts. 1. Account 7ljpe........................... Individual Retirement Account Account lTumber....................... 35004109093704 Oumerslup(Names of).............. Rosalyn Luclonan Opening Date...........................12/24/96 Balance on Date of Deatk.........$1,471.01 Accnied Interest $ 2.01 7btal.......................................$1,473.02 2. Account Type........................... Checking Account Account Number....................... 16761066 O mership(Names of).............. Rosalyn Luclonan(deleted IQ/18/2013) Elizabeth Miller Opening Date.-.........................11/22/1196 Balance on Date of Death..........$10,174.02 Accrued Interest $ .00 7btcd......................................$10,174.02 12-18-' 13 12; 13 FRO 11- T-409 P0002/0002 F-978 0 Page 2 December 18,2013 3. Account 71ype........................... Savings Account Account Number....................... 15004221635096 Ownership(Names of)............. Rosalyn Luckman(deleted 10/18/2013) Elizabeth Hiller Opening Date...........................10/13/2009 Balanoe on Date of Death.........$124,786.64 Accrued Interest $ 8.29 Mat......................................$124,794.93 The above named decedent did not have a safe deposit box. * If upon reviewing the information above, you believe there are additional accounts not referenced, please provide us with an account number and./or the name of any possible joint account holder. For any additional information on the above accounts, including ownership and any changes, closures and/or reimbursement of funds, please contact our Sutton Place Branch at 401 East 550' Street, New York, NY 10022 or #212-888- 9660. Sincerely, Charlene Warrington, Adjustment Services 1-888-502-4349 InQc)\CP it