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Home My WebLink About05-21-14 J � 1505610105 REV-1500 EX(03-""Fit OFFICIAL USE ONLY PA Department of Revenue Pennsylvania Bureau of Individual Taxes County Code Year File Number PO BOX 28o6o1 INHERITANCE TAX RETURN i q Harrisburg,PA 17128-0601 RESIDENT DECEDENT 1 3 3-7 1 ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death MMODYYYY Date of Birth MMDDYYYY 08/06/2012 11/08/1928 Decedent's Last Name Suffix Decedent's First Name MI Zimmerman Thelma J (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 OVALS BELOW C@D 1.Original Return O 2.Supplemental Return O 3. Remainder Return(Date of Death Prior to 12-13-82) C= 4.Limited Estate O 4a.Future Interest Compromise(date of C=:) 5. Federal Estate Tax Return Required death after 12-12-82) 4J 6.Decedent Died Testate O 7.Decedent Maintained a Living Trust U 8. Total Number of Safe Deposit Boxes (Attach Copy of Will) (Attach Copy of Trust.) O 9.Litigation Proceeds Received O 10.Spousal Poverty Credit(Date of Death C= 11. Election to Tax under Sec.9113(A) Between 12-31-91 and 1-1-95) (Attach Schedule 0) CORRESPONDENT- THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: Name Daytime Telephone Number N Katherine L. McDonald Esq (717) 887-764 s c m REGISTER 5F Wji�LS USE QID co Fri r ° First Line of Address D Z M Cr) N rn O Dethlefs-Pykosh Law Gro = - ; a o O n o _� l n -n Second Line of Address C-> C= -n 3 ` : O C= — C> 2132 Market Street ;;0 W m City or Post Office Stale ZIP Code 'D1uEFLED _ O Cn -T7 Camp Hill PA 17011 Correspondent's e-mail address:kmcdonald @dplglaw.com Under penalties of pequry,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. SIGNATIyRE OF RSON RE$ptON LE FOR FILING RETURN AT ADDRESS Z// /V. A13 116-f, ejcm PA ) 701/ SIGNAT F !T RE ENT TIVE DATE ADDRE ai3a ►� f s+- (omp fh 11 f-A-- nog I PLEASE USE ORIGINAL FORM ONLY Side 1 1505610105 1505610105 J J 1505610205 REV-1500 EX(Fl) Decedent's Social Security Number Decedenrs Name: Thelma J Zimmerman RECAPITULATION 1. Real Estate(Schedule A). ............................................ 1. 0.00 2. Stocks and Bonds(Schedule B) ....................................... 2. 30,277.79 3. Closely Held Corporation,Partnership or Sole-Proprietorship(Schedule C) ..... 3. 0.00 4. Mortgages and Notes Receivable(Schedule D)........................... 4. 0.00 5. Cash,Bank Deposits and Miscellaneous Personal Property(Schedule E)....... 5. 22,588.40 6. Jointly Owned Property(Schedule F) O Separate Billing Requested ....... 6. 6,400.41 7. Inter-V vos Transfers&Miscellaneous Non-Probate Property (Schedule G) O Separate Billing Requested........ 7. 37,902.79 8. Total Gross Assets(total Unes 1 through 7)............................. 8. 97,169.39 9. Funeral Expenses and Administrative Costs(Schedule H)................... 9. 14,379.28 10. Debts of Decedent,Mortgage Liabilities and Liens(Schedule 1)............... 10. 22,772.11 11. Total Deductions(total Lines 9 and 10)................................. 11. 37,151.39 12. Net Value of Estate(Line 8 minus Line 11) .............................. 12. 60,018.00 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. 60,018.00 TAX CALCULATION-SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate,or transfers under Sec.9116 (a)(1.2)X.0 00 0.00 15. 0.00 16. Amount of Line 14 taxable at lineal rate X.0 45 60,018.00 16. 2,700.81 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.15 0.00 18 0.00 19. TAX DUE ......................................................... 19. 2,700.81 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT OW Side 2 1505610205 1505610205 REV-1500 EX(FI) Page 3 File Number Decedent's Complete Address: DECEDENTS NAME Thelma J Zimmerman STREETADDRESS 100 Mt Allen Dr CITY STATE ZIP Mechanicsburg PA 17055 Tax Payments and Credits: 1. Tax Due(Page 2,Line 19) (i) 2,700.81 2. Credits/Payments A.Prior Payments 3,100.00 B.Discount 0.00 3. Interest Total Credits(A+B) (2) 3,100.00 4. If Line 2 is greater than Line i +Line 3,enter the difference. This is the OVERPAYMENT. 3) 84.15 Fill in oval on Page 2,Line 20 to request a refund. (4) 315.04 5. If Line 1 +Line 3 is greater than Line 2,enter the difference.This is the TAX DUE. (5) 0.00 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.............................................................................................................................. ❑ E 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 dales of death on or after July 1,1994,and before Jan. 1, 1995,the tax rate imposed on the net value of transfers to or for the use of the surviving spouse Is 3 percent[72 P.S.§9116(a)(1.1)(i)]. For dates of death on or after Jan. 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0 percent [72 P.S.§9116(a)(1.1)(ii)].The statute does not exempt a transfer to a surviving spouse from tax,and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1,2000: • The tax rate imposed on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use of a natural parent, an adoptive parent or a stepparent of the child is 0 percent[72 P.S.§9116(a)(1.2)]. e The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is 4.5 percent,except as noted in[72 P.S.§9116(a)(1)]. • The tax rate imposed on the net value of transfers to or for the use of the decedents 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. I REV-iso3 EX.(8-u) j i pennsytvania SCNEDIILE B OB MTOFREVENUE INHERITANCE TAX RETURN STOCKS &,BONDS RESIDENT DECEDENT ESTATE OF I FILE NUMBER Thelma J Zimmerman 2013-379 All property jointly owned with right of survivorship must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION i OF DEATH t' PPL Corporation Common Stock Account Number 30990.57028 30,277.79 I TOTAL(Also enter on Une 2, Recapitulation) $ 30,277.79 If more space is needed,insert additional sheets of the same size REV-1508 IX+(o&12) 0 pennsylvania SCMEDIILE E DEPARTMENTOF REVENUE CASH, BANK DEPOSITS & MISC. INHERITANCE DE DECEDENT URn PERSONAL PROPERTY RESIDENT DE�DEM ESTATE OF: FILE NUMBER: Thelma J. Zimmerman 2013-379 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly owned with right of survivorship must be disclosed on Schedule F. ITEM i VALUE AT DATE NUMBER DESCRIMON OF DEATH 1. PA Treasury Bureau of Unclaimed Property,Sovereign Bank Cert of Deposit Prop.ID 11066298 2,009.40 2. Janney Montgomery Scott Individual Account Number 4333-0480 14,505.00 3. Janney Montgomery Scott Retirement Distribution Account Number 5448-4183-1 4,000.00 4. PPL Corporation Dividend Check Account Number 3099057028 1,123.60 5. Prudential PIA Payment A2008024 70.35 6. Prudential Reimbursement Check 380.05 7. Personal and Household Effects 500.00 TOTALI(Also enter on Une 5, Recapitulation) $ 22,588.40 If more space is needed,use additional sheets of paper of the same size. REV-i5og EX+(DA-io) pennsytvania SCHEDULE F DEPARTMCETAX RE RETURN NS INHERITANCE TAX JOINTLY—OWNED PROPERTY RESIDENT DECEDENT ESTATE OF: FILE NUMBER: Thelma J Zimmerman 2013-379 If an asset became jointly owned within one year of the decedent's dale of death,it must be reported on Schedule G. SURVIVING JOINT TENANT(S)NAME(S) ADDRESS RELATIONSHIP TO DECEDENT A.Barbara A.Zimmerman 211 N. 19th St Daughter Camp Hill,PA 17011 B. C. JOINTLY OWNED PROPERTY: LEM DATE DESaUPTION OF PROPERTY 11 OF DATE OF DEATH ITEM FOR JOINT MADE INSANE NAME OF FURNM INSTRUTION AND BANK AOODLMT"UNDEA OR SIMILAR DATE OF DEATH DECEDENTS VALUE OF NUMBER 'TENANT JOINT NENnFYING NUMBEL ATTACK DEED FORDOIRMY HELD REAL ESTATE, VALUE OF ASSET INTEREST DECEDENTS INTEREST J. A. 01/19106 Sovereign Bank Premier Checking Account#1681715597 10,261.40 50 5,130.70 2. A. 01119@6 Sovereign Bank Statement Savings Amount#1684007139 2539.41 50 1,269.71 TOTAL(Also enter on tine 6, Recapitulation) # 6,400.41 If more space is needed,use additional sheets of paper of the same size. REV-1510 EX+(08-09) A 9 pennsylvania SCHEDULE G DEPARIMENr OF REWNUE INTER-VIVOS TRANSFERS AND RESID INMEJUTANCE DEMENT RENRR MISC. NON-PROBATE PROPERTY RESIDEM DEC®ENr ESTATE OF FILE NUMBER Thelma J Zimmerman 2013-379 This schedule must be completed and filed if the answer to any of questions I through 4 on page three of the REV-1500 is yes. ITEM DESCRIPTION OF PROPERTY NUMBER 01M DEREorMETR""&Hqf'TIM Am"ProoE®errxm DATE OF DEATH % DECDS EXCLUSION TAXABLE TWDMff VALUE OF ASSET INTEREST pr"nv VALUE 1. Janney Montgomery Scott IRA Account Number 5448-0183 37,902.79 100 37,902.79 TOTAL(Also enter on Line 7, Recapitulation) $ 37,902.79 If more space is needed,use additional sheets of paper of the same size. REV-1511 EX+(08-13) I pennsylvania SCHEDULE H DEPARTMENT OF REVENUE FUNERAL EXPENSES AND RESIDENT ADMINISTRATIVE COSTS RESIDEM DECEDENT ESTATE OF FILE NUMBER Thelma J Zimmerman 2013-379 Decedent's debts must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL EXPENSES: 1' Rolling Green Cemetery Company-Burial Plot 1,445.00 2. Parthemore Funeral Home-Funeral 11,518.72 3. Gingrich Memorials-Grave Marker 225.00 B. ADMINISTRATIVE COSTS: 1. Personal Representative Commissions: 0.00 Name(s)of Personal Representative(s) Barbara A. Zimmerman Street Address 211 N. 19th St city Camp Hill State PA ZIP 17011 Year(s)Commission Paid: 0 Z. Attorney Fees: 500.00 3. Family Exemption:(If decedents address is not the same as claimant's,attach explanation.) 0.00 Claimant Street Address city State ZIP Relationship of Claimant to Decedent 4. Probate Fees: 268.50 5. Accountant Fees: 200.00 6. Tax Return Preparer Fees: 0.00 7. Cumberland Law Journal-Advertisement 75.00 8. TheSentinel-Advertisement 147.06 TOTAL(Also enter on Line 9, Recapitulation) $ 14,379.28 If more space is needed,use additional sheets of paper of the same size. REV-1512 EX+(12-12) 0 pennsylvania SCHEDULE I DEPARTMENT OF REVENUE DEBTS OF DECEDENT, RESIDENT DE EDENTTURN MORTGAGE LIABILITIES &LIENS RESIDENT DECEDENT ESTATE OF FILE NUMBER Thelma J Zimmerman 2013-379 Report debts incurred by the decedent prior to death that remained unpaid at the date of death,including unreimbursed medical expenses. ITEM NUMBER DESCRIPTION VALUE AT DATE OF DEATH 1• rD Lifeways at Messiah Village-Medical bill 3,000.00 2. harmacy-Medical bill 193.89 3. r-Credit card bill 249.47 4. Moving&Storage of Mechanicsburg-Storage unit 155.65 5. 9/10112 Alert Pharmacy-Medical bill 76.11 6. 9122/12 Messiah L ifeways at Messiah Village-Medical bill 13,296.85 7. 10/12112 U-Haul Moving&Storage of Mechanicsburg-Storage unit 155.65 8. 11/8112 Messiah Lifeways at Messiah Village-Medical bill 3,540.00 9. 11114/12 U-Haul Moving&Storage of Mechanicsburg-Storage unit 155.65 10. 12!7/12 Nationwide Auto Insurance 251.20 11. 12/10/12 U-Haul Moving&Storage of Mechanicsburg-Storage unit 155.65 12. 1/9/13 U-Haul Moving&Storage of Mechanicsburg-Storage unit 155.65 13. 2112113 U-Haul Moving&Storage of Mechanicsburg-Storage unit 155.65 14. 3112113 U-Haul Moving&Storage of Mechanicsburg-Storage unit 155.65 15. 4/10/13 U-Haul Moving&Storage of Mechanicsburg-Storage unit 155.65 16. 4/30/13 Valvoline Instant Oil Change-Auto maintenance 117.12 17. 5/3/13 Dads Auto West-Auto maintenance 23.27 18. 6/1/13 Nationwide Auto Insurance 253.00 19. 7/5/13 AAA-Auto maintenance 7.00 20. 719/13 Commonwealth of Pennsylvania-Auto Registration Tags 58.50 21. 1215113 Nationwide Auto Insurance 460.50 TOTAL(Also enter on Line 10,Recapitulation) $ 22,772.11 If more space is needed,insert additional sheets of the same size. REV-1513 EX+(01.10) "I pennsytvania SCHEDULE DEPARTMENT OF REVENUE INHERITANCE TAX RETURN BENEFICIARIES RESIDENT DECEDENT ESTATE OF: - _ FILE NUMBER: Thelma J Zimmerman 2013.379 RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S)RECEIVING PROPERTY Do Not Ust Trustee(s) OF ESTATE I TAXABLE DISTRIBUTIONS[Include outright spousal distributions and transfers under Sec.9116(a)(1.2).) 1. Barbara A.Zimmerman,211 N.19th St,Camp Hill,PA 17011 Daughter 19,077.68 2. Gail E.Osterling,359 Bahama Or,Indialantic,FL 32903 Daughter 19,077.68 3, Thomas E.Zimmerman,Jr.,46 N.8th St,Lemoyne,PA 17043 Son 19,077.68 ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH IS OF REV-1500 COVER SHEET AS APPROPRIATE. II NON-TAXABLE DISTRIBUTIONS A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN: 1. B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS: 1. TOTAL OF PART a-ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. $ 0 If more space is needed,use additional sheets of paper of the same size. c�^u LAST WILL AND TESTAMENT OF THELMA J. ZIMMERMAN I, THELMA J. ZIMMERP;AN of the Borough of Shiremanstown, Cumberland County, Pennsylvania, declare this to be my Last Will and Testament, hereby revoking any will previously made by me. I - I direct the payment of all my just debts and funeral expenses out of my estate as soon as may be practical after my death. II - I devise and bequeath all of my estate of what- ever nature and wherever situate unto my husband, Thomas E. Zimmerman . III - Should my said husband predecease me, then I devise and bequeath all of my estate of whatever nature and wheresoever situate :.unto .my children, Gail E. Osterling, Thomas E. Zimmerman, Jr, and Barbara A. Reynolds, in equal shares per stirpes . IV - I appoint my husband, Thomas E. Zimmerman, Execu- tor of this, my Last will and Testament. Should my said husband fail to qualify or cease to act as such, then I appoint my son, RNEYS AT LAz' ._.�.,,.,, ,.,.o„ `J`l-,L.l� i2il. h� ��✓z4Li`r](ib^.9s.li-a-v G Page 1 Thomas E. Zimmerman, Jr. , to act in this capacity. Neither of my personal representatives shall be required to post bond in this or any jurisdiction. IN WITNESS WHEREOF, I have hereunto set my hand and seal on this, the gV day of V11AAA `' 1983. Gt19 (SEAL) Thelma J. Z man Signed, sealed, published and declared by TIIEL14A J. ZItWERMAN, Testatrix therein named, on this and one '(1) other sheet of Paper as and for her Last Will and Testament in our presence, who, in her presence, at her request and in the presence of each other, have hereunto subscribed our names as attesting witnesses . Camp Hill, Pa. Name Address Camp Hill, Pa. Name Address NEl'S AT lA p' P[wusv ivnnu nail Page 2 COb2MONWEALTH OF PENNSYLVANIA) SS . COUNTY OF CUMBERLAND) WE, the undersigned, the testatrix and the witnesses , respectively, whose names are. signed to the foregoing instrument, being first duly sworn, do hereby declare to the undersigned authority that the testatrix signed and executed the instrument as her Last Will and Testament and that she signed willingly (or willingly directed another to sign for her) , and that she execute it as her free will and voluntary act for the purposes therein expressed., and that each of the witnesses , in the presence and. hearing of the testatrix signed the will as witnesses and that to the best of their knowledge the testatrix was at that time eighteen years of age or older, of sound mind, and under no constraint or undue influence. _ Testatrix / Witness Witness ' Subscribed, sworn to and acknowledged before me by the testatrix, and subscbed and sworn before me by both witnesses , this h day of c 19 83 . ' Notary Public ,sP &sar,rx n s nt um Thchna S. McCauslin, Hoary Public My Commission Expire: July I, 1984 Camp Hill, PA Cumberland County CODICIL TO LAST WILL AND TESTAMENT OF THELMA J . ZIMMERMAN I , THELMA J. ZIMMERMAN, a resident of Cumberland County, Commonwealth of Pennsylvania, do make, publish, and declare this to be the first rnriiirtil +n my Will dated June 7 , 1983 . ITEM I : The second sentence of Paragraph IV, pages 1-2 , of the aforesaid Will is hereby revoked and the following is substituted in its place: Should my said husband fail to qualify or cease to act as such, then I appoint my son, Thomas E . Zimmerman, Jr. , and my daughters , Gail E. Osterling and Barbara A. Reynolds , to act in this capacity. ITEM II : In every other respect , I hereby confirm and republish my Will dated June 7 , 1983 . I HEREBY SET my hand and seal to this first Codicil to my Will dated June 7 , 1983 , on this day of 1989 . ;.<ir.,_ �. ( SEAL ) THELMA J. ZIMMERMAN The foregoing instrument , consisting of one page, was on the date hereof signed, sealed, published and declared by the Testator , Thelma J. Zimmerman, as the Fir Testament dated st Codicil to her Last Will and June 7, 1983 , in our presence, and we at her request , and in t in her presence he presence of each other, at the same time, signed our names as witnesses thereto , and we certify that at the time of the execution thereof, the said Testator was of Sound and disposing mind and memory. residing at residing at STATE OF COUNTY OF SS and We, the Testator, THELMA J . ZIMMERMAN, and whose names are signed to the foregoingwinstrums , respectively, duly sworn, do hereby declare to the undersigned authority that the Testator signed and .executed the instrument as the First Codicil to her Last Will and that she had signed willingly, and that executed it as her free and voluntary act for the purpos she es therein expressed, and that each of the witnesses , in the presence and hearing of the Testator, signed the First Codicil as witnesses and that to the best of his/her knowledge the Testator was at that time eighteen years of age or older, of sound mind and under no constraint or undue influence. THELMA J. ZIMMERMAN Witness Witness Subscribed, sworn to and acknowledged before me by the Testator, THELMA J. ZIMMERMAN, and subscribed and sworn to before me by this - a3d ''- day of /,_< 1989 witnesses , Notary Public ' COMMONWEALTH OF PENNSYLVANIA REV-1162 EX(11-96) DEPARTMENT OF REVENUE BUREAU OF INDIVIDUAL TAXES DEPT.280601 HARRISBURG,PA 17128 0601 PENNSYLVANIA RECEIVED FROM: INHERITANCE AND ESTATE TAX OFFICIAL RECEIPT N0. CD 017395 ZIMMERMAN BARBARA A 211 N 19TH STREET CAMP HILL, PA 17011-3926 ACN ASSESSMENT AMOUNT CONTROL NUMBER me 101 $3,100.00 ESTATE INFORMATION: SSN: FILE NUMBER: 2113-0379 DECEDENT NAME: ZIMMERMAN THELMA J DATE OF PAYMENT: 04/03/2013 POSTMARK DATE: 04/03/2013 COUNTY: CUMBERLAND DATE OF DEATH: 08/06/2012 TOTAL AMOUNT PAID: $3,100.00 REMARKS: CHECK# 5383 INITIALS: CJ SEAL RECEIVED BY: - GLENDA FARNER STRASBAUGH REGISTER OF WILLS TAXPAYER Commonwealth of Pennsylvania of Remittance Advice 000311 57 16697006 Pennsylvania Treasury - Bureau of Unclaimed Property Payment CLAIM # 77373014 ________________________________________________________________________________ Property ID Holder Name Description Amount 11066298 SOVEREIGN BANK CERT. OF DEPOSIT (NON- 2,009.40 Total: 2,009.40 PAYEE INFORMATION: NOTE: Direct payment inquiries to: ZIMMERMAN THELMA S PA Unclaimed Property 1.800.222.2046 CIO BARBARA A ZIMMERMAN POA P.O. Box 1837 211 N 19TH STREET Harrisburg, PA 17105-1837 .. 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U) - a n co u mvo § LU N; Ld as v N W' E na Z U' m ti ° Q, ;a Q W Z, m N K Q a. a 0 f-- 3 W c Z v ysn 6 2' o .Q c Z', °m Q } OZQ''. a :' Z W J Z c w Z M�-01 N < w=o L a� JANNEY MONTGOMERY SCOTT LLC PLEASE DETACH BEFORE DEPOSITING DEBIT ACCOUNT PURPOSE: 4333-0480-1 A 08/03/12 000347792 THELMA J ZIMMERMAN ACCOUNT BALANCE 14, 505 .00 TOTAL 14, 505 . 00 JANNEY MONTGOMERY SCOTT'LLC PURPOSE: PLEASE DETACH BEFORE DEPOSITING JANNEY MONTGOMERY SC RETIREMENT DISTRIBUTION ACCOUNT NUM \\ 5448-4183-1 A ACT#5448-4183-1 CHECK #0397321 PAYEE:THELMA J ZIMMERMAN ACCOUNT NUM--5448-4183-1 AMOUNT--*****4000 . 00 08/07/12 REQUESTED BY--BJ* DISPOSITION:MAIL THELMA J ZIMMERMAN 211 N 19TH ST CAMP HILL PA 17011-3926 PPL Corporation Two North Ninth Street Allentown, PA 18101-1179 Dividend Check Account Number: 3099057028 Payment Date: AUGUST 10,2012 Check Number: 03149200 Amount: $1,123.60 Print Number: 79880000009 Number of Dividend Dividend Class of Stock Shares Rate Amount DIVIDEND REPLACEMENT 1,123.60 REPLACEMENT CHECK TO AVOID ANY DELAY in receiving your PPL dividend we encourage you to sign up for direct deposit. 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Please feel free to contact us if you have any questions in regard to this statement. The following New Cumberland,PA 17070 is an itemized statement of the services,facilities,automotive equipment and merchandise that you selected (717) 774-7721 when making the funeral arrangements. (Fax) 774-5546 Terms Due Date Account# www.parthemore.com Net 30 9/7/2012- 2012064.0 Description Amount SERVICES&MERCHANDISE Traditional Funeral Service 6,395.00 Shepherd Stationery Set 135.00 Gilbert W. Parthemore, 18 Gauge Steel Casket,White 2,650.00 Founder 12 Gauge Standard Steel Vault 1,345.00 Total Services and Merchandise 10,525.00 Gilbert 1. Parthemore, Supervisor CASH ADVANCE ITEMS - Stephen K. Parthemore, CFSP Death Notice,Harrisburg Patriot 183.72 20 Certified Copies of Death Certificate 120.00 Hairdresser 40.00 Bruce R. Parthemore, (2)Clergy Honoraria 300.00 Pre-Need Coordinator,CPC Organist Honorarium 125.00 Flowers,Casket Spray 225.00 Total Cash Advances � 993.72 Professional Memberships: PFDA CCF f" DCFDA• CCFDA G o E L ALE n The Rule You Know. l The People You Tnim X IIIYYY Total $11,518.72 Payments/Credits $-11,518.72 ll Balance Due $0.00 ingric MEMORIALS Since 1921 5243 Simpson Ferry Road. Mechanicsburg. PA 17050 (717) 766-5622 • Fax (717) 766-8007 • www.gingrichmemorials.com Barbara Zimmerman 211 N. 191h Street Camp Hill, PA 17011 August 30, 2012 Dear Barbara, As per my conversation with Gail, I am sending you the order form for the bronze date scroll for Thelma Zimmerman. Please verify that the date is correct. If everything is right, please sign the order form at the bottom where I have the "X". The pink copy is for your records. Please mail the signed order form and a check in the amount of$225.00 made payable to "Gingrich Memorials" as payment. I have enclosed a stamped return envelope for your convenience. Thank you very much for placing this order with us, I appreciate your trust in our services. Once it is installed, we will mail you a notice that the scroll has been placed onto the marker. If you have any questions, please feel free to call me anytime. Sincerely,Q 1 Ov ` v ^r Ron Colvin Mechanicsburg Office Manager • • ingric 2-01740 1 MEMORIALS Since 1921 Drawing _ Drawing Sent to Cust. Approved _ - 524 -- impson-Ferry Road, Mechahicsburgt'PA 17050 Found. By Found. Ordered (7,171,7,C6=5622 •Fax(717) 766-8007 Vendor !'Ack:N F Aww.gingrichmemorials.com t, Grave Position Verified Cremation SOLD TO: QQ� arc 7IW1Atrma1n Date of Order . AUG ZQIZ aIj N ..' ppique Sf. V,(( ,Ca.+1p t((, PA Cemetery �OrN� Glff-4 Cemetery Location ��ItHC V1" Phone Cell Center Over Graves Sec./Lot #t Email Pvr Ga 'Wtvi;n� 301 -639. 1(,04 Approx. Date of Completion N6- ? Wtt'GS Lettering - ' ^�or : I kelvYo llmmerTAAA brov+ZC VE�e(QNIS S�Y1e �a'�e Scro� � Type Mokif 1eWs Material#103801D StrOtgyA EdAe Scrod Additional Lettering: Size X X Finish ❑ Back ❑ Base Size X X Finish Description .r Location on Cemete Mi t1C tC 9 oL ❑ Vase ❑ Photo ❑ Other Agreement:A 50%deposit is required to commencement of work. I COSTS- ,S OD Agree to pay stated balance upon erection regardless of labor troubles or shipments or any other good reasons.This order or Memorial $ Alas contract cannot be cancelled by customer unless agreed by both parties.The article herein mentioned shall remain the property of James R.Gingrich Memorials until paid in full and they reserve the right to remove the same is not paid as stated. Foundation $ 1 agree to carefully proofread all names and dates for accuracy and accept full responsibility for any errors or omissions.THERE Cemetery Fees $ WILL BE AN ADDITIONAL CHARGE FOR ANY LETTERING ADDED TO THIS MEMORIAL AFTER ERECTED ON THE . . CEMETERY 1 further agree to $ g pay the balance stated for the work performed under this contract within thirty(30)days of receipt of the final Invoice and further agree that interest shall accrue at the rate of one and one-hall percent(114%)per month on the unpaid balance $ owed to James R.Gingrich Memorials not paid within thirty(30)days of the invoice date.In addition thereto,I agree it it becomes $ necessary for James R'.Gingrich to institute legal proceeding to collect any funds due from me for my account being past due thirty (30)days,to pay all oourt� and are e�ys/fee!incurred by James R.Gingrich Memorials to collect the same. TOTAL $ Dealer DEPOSIT $ Customer Balance Due $ (I further agree that the above names,spelling,and dates are correct) Upon Completion Gingrich Memorials 5243 Simpson Ferry Road Mechanicsbura, PA 17050 (717) 766-5622 Barbara Zimmerman 7/9/2013 211 N. 19th St Camp Hill, PA 17011 Contract# Contract Date Name Salesman 2-01740 9/1-9//2-1012 Thelma Zimmerman T Ron,Colvin 1 1 kOA- �- �- •BO h1,u.CYI.�OL IArTtV�. P�rt2� . •1.• {,tx2 U 0 1 Bronze tab L*tee Do )0'mg- (/ 4 Zfiank you, your memorial or cemetery Order Total: $225.00 inscription is finished. Payments: $225.00 Balance Due: $0.00 �i4 t) Dethlefs-Pykosh Law Group 2132 Market Street Camp Hill,Pennsylvania 17011 (717) 975-9446 May 6, 2014 LAWYER-CLIENT FEE AGREEMENT Katherine L. McDonald, Esquire ("Lawyer"), of the Dethlefs-Pykosh Law Group, will provide legal services to Barbara Zimmerman ("Client") on the terms set forth below. 1. CONDITIONS. This Agreement will not take effect, and Lawyer will have no obligation to provide legal services, until Client returns a signed copy of this Agreement. 2. SCOPE OF SERVICES. Client hires Lawyer to provide legal services relative to the administration of an estate. Lawyer will provide those legal services reasonably required to respond to Client's inquiries. This Agreement covers litigation services of any kind related to this estate administration. 3. CLIENT. The lawyer is representing the Client, Barbara Zimmerman, only in this matter. It is understood by Client and any third party who may be assisting Client financially, emotionally or otherwise, in this matter that the lawyer's duty is to act in the best interest of the Client and lawyer cannot share information about Client's case with anyone other than Client without express permission. 4. CLIENT'S DUTIES. Client agrees to be truthful with Lawyer, to cooperate, to keep Lawyer informed of any information or developments which may come to Client's attention, to abide by this agreement, to pay Lawyer's bills on time and to keep Lawyer advised of Client's address, telephone number and whereabouts. Client will assist Lawyer in providing information and documents necessary for the representation in the described matter. 5. DEPOSIT (RETAINER). Client agrees to pay Lawyer an initial deposit (Retainer) of $.1-66b'6�in the form of cash, check, or money order. The hourly charges will be credited �Vµ against the deposit (Retainer). Client authorizes Lawyer to use that fund to pay the fees and other charges as they are incurred. Billing statements detailing the charges credited against the deposit (Retainer) will be sent periodically to the client. Client acknowledges that the deposit (Retainer) is not an estimate of total fees and costs, but merely an advance for security. Whenever the deposit (Retainer) is exhausted, Lawyer reserves the right to demand further reasonable deposits (Retainers). Once a trial date is set, Client shall pay all sums then owing and pay the lawyers' fees estimated to be incurred in preparing for and completing the trial, as well as the jury fees and court costs, expert witness fees, and other costs likely to be assessed. 6. LEGAL FEES AND BILLING PRACTICES. Client agrees to pay by the hour at Lawyer's prevailing rate of$200.00/hour for all time spent on Client's matter. 7. COSTS AND EXPENSES. In general, Lawyer will incur various costs and expenses in performing legal services under this Agreement. Client agrees to pay for all costs, disbursements and expenses in performing legal services under this Agreement. Client agrees to pay for all costs, disbursements, and expenses in addition to the hourly fees. The costs and expenses commonly include service of process charges, filing fees, court and Page 1 of 3 deposition reporters' fees, jury fees, notary fees, deposition costs, long distance telephone charges, messenger and other delivery fees, postage, photocopying and other reproduction costs, travel costs including parking, mileage, transportation, meals and hotel costs, investigation expenses, consultants' fees, expert witness, professional and other similar items. Additionally, Client understands that if the matter proceeds to court action, Client may be required to pay fees and/or costs to other parties in the action. Any such payment will be entirely the responsibility of Client. 8. BILLING STATEMENTS. Lawyer will send Client periodic statements for fees and costs incurred, upon request by client. If Client so requests, Lawyer will provide one within ten (10) days. The statements shall include the amount, rate, basis of calculation or other method of determination of the fees and costs, which costs will be clearly identified by item and amount. If any statement carries a balance due, it shall be paid in full within 10 days after the date of such statement. 9. DISCHARGE AND WITHRAWAL. Client may discharge Lawyer at any time. Lawyer may withdraw with Client's consent or for good cause. Good cause includes Client's breach of this agreement, refusal to cooperate or to follow Lawyer's advice on a material matter or any fact or circumstance that would render Lawyer's continuing representation unlawful or unethical. When Lawyer's services conclude, all unpaid charges will immediately become due and payable. After services conclude, Lawyer will, upon Client's request, deliver Client's file, and property in Lawyer's possession whether or not Client has paid for all services. Client understands that to the limited extent lawyer has paid out of pocket expenses for items, which have not yet been reimbursed by client, but has not been reimbursed by client, lawyer may be reimbursed for that particular expense before releasing the item. 10. DISCLAIMER OF GUARANTEE AND ESTIMATES. Nothing in this Agreement and nothing in Lawyer's statements to Client will be construed as a promise or guarantee about the outcome of the matter. Lawyer makes no such promises or guarantees. Lawyer's comments about the outcome of the matter are expressions of opinion only. Any estimate of fees given by Lawyer shall not be a guarantee. Actual fees may vary from estimates given. 11. ENTIRE AGREMENT. This Agreement contains the entire Agreement of the parties. No other agreement, statement, or promise made on or before the effective date of the Agreement will be binding on the parties. 12. SEVERABILITY IN EVENT OF PARTIAL INVALITY. If any provision of this Agreement is held in whole or in part to be unenforceable for any reason, the remainder of that provision and the entire Agreement will be severable and remain in effect. 13. MODIFICATION BY SUBSEQUENT AGREEMENT. This Agreement may be modified by subsequent Agreement of the parties only by an instrument in writing signed by both of them or an oral agreement only to the extent that the parties carry it out. 14. EFFECTIVE DATE. This Agreement will govern all legal services performed by Lawyer on behalf of Client commencing with the date Lawyer first performed services. The date at the beginning of this Agreement is for reference only. Even if this agreement does not take effect, Client will be obligated to pay Lawyer the reasonable value of any services Lawyer may have performed for Client. Page 2 of 3 THE PARTIES HAVE READ AND UNDERSTOOD THE FOREGOING TERMS AND AGREE TO THEM AS OF THE DATE LAWYER FIRST PROVIDED SERVICES. IF MORE THAN ONE CLIENT SIGNS BELOW, EACH AGREES TO BE LIABLE, JOINTLY AND SEVERALLY, FOR ALL OBLIGATIONS UNDER THIS AGREEMENT. CLIENT SHALL RECEIVE A FULLY EXECUTED DUPLICATE OF THIS AGREEMENT. DATED: arbara Zimmerman DATED: s i o? I Dethlefs-Pykosh Law Group Katherine L. Donald, Esquire Page 3 of 3 RECEIPT FOR PAYMENT GLENDA FARNER STRASBAUGH Receipt Date : 5/03/2013 Cumberland County - Register Of Wills Receipt Time : 11 : 02 : 02 One Courthouse Square Receipt No. : 1074058 Carlisle, PA 17013 ZIMMERMAN THELMA JANE Estate File No. : 2013-00379 Paid By Remarks : BARBARA A ZIMMERMAN DMB - -------- ------ --------- Receipt Distribution ---- ------------------- - Fee/Tax Description Payment Amount Payee Name PETITION LTRS TEST 135 . 00 CUMBERLAND COUNTY GENERAL FUN RENUNCIATION 10 . 00 CUMBERLAND COUNTY GENERAL FUN CODICIL 15 . 00 CUMBERLAND COUNTY GENERAL FUN WILL 15 . 00 CUMBERLAND COUNTY GENERAL FUN SHORT CERTIFICATE 35 . 00 CUMBERLAND COUNTY GENERAL FUN INVENTORY 15 . 00 CUMBERLAND COUNTY GENERAL FUN INH TAX RETURN 15 . 00 CUMBERLAND COUNTY GENERAL FUN JCS FEE 23 . 50 BUREAU OF RECEIPTS & CNTR M.D AUTOMATION FEE 5 . 00 CUMBERLAND COUNTY GENERAL FUN Check# 5419 $268 . 50 Total Received. . . . . . . . . $268 . 50 PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA : ss. COUNTY OF CUMBERLAND Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: May 24, May 31, and June 7, 2013 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. isa Marie Coyne Editor SWORN TO AND SUBSCRIBED before me this 7 day of June, 2013 Notary Zimmerman,Thelma Jane,deed. Late of Cumberland County. Executrix:Barbara A.Zimmerman, P.O.Box 116,Camp Hill,PA 17001- NOTARIAL SEAL 0116. DEBORAH A COLLINS Attorney:None. Notary Public CARLISLE BOROUGH,CUMBERLAND COUNTY My Commission Expires Apr 26, 2014 coG2� �R�ssocv�t`O� CUMBERLAND LAW JOURNAL 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 Tele: (717)249.3166 Fax:(717)249.2663 June 7, 2013 Cumberland Law Journal is published every Friday by the Cumberland County Bar Association and is designated by the Court of Common Pleas as the official legal publication for Cumberland County and the legal newspaper for publication of legal notices. T0: Barbara Zimmerman, Esquire RE: Thelma Jane Zimmerman Estate Legal advertisements must be received by Friday Noon. All legal advertising must be paid in advance. Make all checks payable to: Cumberland Law Journal. ------------------------------------------------------------------ ------------------------------------------------------------------ Advertisement inserted on following dates: May 24, May 31, and June 7, 2013 Advertising Cost $ 75.00 Proof of Publication $ 0.00 Second Proof Request $ 0.00 Payment received $ 75.00 Total Amount Due $ 0.00 Becky H. Morgenthal, Executive Director LAW OFFICES BARBARA A. ZIMMERMAN, P.C. P.O. BOX 116, CAMP HILL, PA 17001-0116 (717)731-1484 FAX-(717)731-1498 ba rbzimmermana,oaonline.com BARBARA A.ZIM1vtERMAN* "ako admitted to MD Bar May 11, 2013 Cumberland Law Journal 32 South Bedford Street Carlisle, PA 17013 RE: Estate of Thelma Jane Zimmerman To Whom It May Concern: I am enclosing a copy of an Estate Notice for publication. I am also enclosing a check in the amount of$75.00. Very truly yours, Barbara A. Zim rman BAZ/baz enclosures Cc: Gail Osterling Tom Zimmerman PROOF OF PUBLICATION State of Pennsylvania, County of Cumberland Iackie Cox,Director of Sales,of The Sentinel, of the County and State aforesaid,being duly sworn,deposes and says that THE SENTINEL, a newspaper of general circulation in the Borough of Carlisle,County and State aforesaid,was established December 13ffi, 1881, since which date THE SENTINEL has been regularly issued in said County, and that the printed notice or publication attached hereto is exactly the same as was printed and published in the regular editions and issues of THE SENTINEL on the following day(s): Tune 22,29, Tuly 6,2013 COPY OF NOTICE OF PUBLICATION Affiant further deposes that he/she is not EXETRIX O IC P / interested in the subject matter of the '.CepamT,est nthe Este ofTHECMA" qNE L,�M late q8. th$EToVinshl�'ofUpperYVtlan CLmherSand�Co��.i� e't2Y,sq cTased,., aforesaid notice or advertisement,and that - have @q. ranted to'Iha unde'ipgned 9 a ' Mq 6 all allegations in the foregoing statement as All pera6gi knmyijn0 d�remseNes to pe nide'ted db Said E� ill'mekea payment immediately and these ev�ng dalmSwmrpr 3atram"wm`r x - to time,place and character of publication setbement: - .. #`;,k - r �arbs}aA e x cuhix e e' 'n t ° a OdBox lAe= ` i�'�:tCe p �jy1F�A�7101,0115' Sworn to and subscribed before me this r �lehGtrllf �1 . M&4 Notary Public My commission expires: C0MM0NWElkJH OF PENNSYLVANIA Notarial Seal Bethany M.H01try,No Public Carlisle Born,Cumberland County MY COmmisslon Expires Sept 26,2015 MEMBER,PENNSYLVANIq AS50—aATION OF NOTARIES The Sentinel BARBARA ZIMMERMAN AD NUMBER PAGE NO. ww w.cu m b a r l i n k,c a m P.O.BOX 116 422276 1of1 /jam CAMP HILL,PA 17001-0116 BILL DATE SALESPERSON (1� 717-731-1484 07/08113 wolfc CnPo�YF $FrPPENi&:PG fE£T'CWNry START DATE STOP DATE 06122113 07106113 AD NUMBER AD DESCRIPTION CLASS LINES 422276 EXECUTRIX NOTICE LETTERS TESTAMENT 10 PUBLIC NOTICES 126 ' 2 cols Publication Insertions Rate Net Amount Gross Amount 3 THE SENTINEL-LEGAL 3 LGL $138.06 TOTAL AD CHARGE $138.06 3 PROOF OF PUBLICATION 01 PRF $7.00 3 MOBILE SITE MOB2 $2.00 Purchase Order Est.T.Zimmerman PAY THIS AMOUNT $147.06 $176.47• 'AFTER 08102/13 THE SENTINEL Thank you for advertising with The Sentinel! Deadline for clo LEE NEWSPAPERS in-column legal ads is 4:00 p.m,two business days prior to PO BOX 540 date of insertion. For questions,call(717)240-7130. WATERLOO IA 50704-0540 Retum thlspordon with yourpayntent Legal THE SENTINEL ❑ Check# ❑Credit Card Ad Number 422276 c/o LEE NEWSPAPERS ❑ ❑ ❑ ® ❑ Billing Date 07108/13 PO BOX 540 WATERLOO IA 50704-0540 Acct#: Amount Due $ 147.06 Ems.Date:m m Name on credit card -$ Signature Please make checks Payable to: THE SENTINEL � `. M49 THE SENTINEL BARBARA ZIMMERMAN c/o LEE NEWSPAPERS P.O. BOX 116 - PO BOX 742548 CAMP HILL,PA 17001-0116 CINCINNATI OH 45274-2548 IrIrt6IILtr611rrrIIIIIIIIIILIll rt6 till r its 6rllttlrlrrrll 21540200000004222760000000000000001764700000147069 XAMESSIAH � � r,._ ,- - ,,_ � . Ufeway& Po.mP6o, w at MESSIAH VILLAGE 100 MT.ALLEN DRIVE, MECHANICSBURG,PA 17055 RESIDENT# UNIT I STMT. DATE 100813 067 D 09/30/2012 RESIDENT S BARBARA ZIMMERMAN Mrs. THELMA J. ZIMMERMAN 211 NORTH 19TH STREET CAMP HILL, PA 17011 TOTAL AMOUNT DUE $3 540.00 DATE DUE 10/31/2012 DATE DESCRIPTION RATE Days/ CHARGES CREDITS BALANCE Units Balance Forward 16,836.85 9/30/2012 PAYMENT RECEIVED - THANK YOU!!! 13,296.85 3,540.00 RESIDENT# CURRENT OVER 30 OVER 60 OVER 90 OVER 120 TOTAL AMOUNT DUE 100813 0.00 1,507.20 E2 032:80 0.00 0.00 $3,540.00 -SIDENT NAME Mrs. THELMA J. ZIMMERMAN Fo,m PB-01 ease make check payable to Messiah Lifeways at Messiah Village. NIA 1% finance charge may be assessed on accounts for which payment has not been received by the due date. Thank you! If you have any questions or concerns about your bill,please address them directly to Fiscal Services at 790-8220. Thank You! fi MESSIAH Form PB-01 L fewa s. _1t Vr �l� �t h/it�rwtrs.?{ VILLAGE 100 MT.ALLEN DRIVE,MECHANICSBURG, PA 17055 RESIDENT# UNIT STMT. DATE 100813 067 D 08/31/2012 RESIDENT(S) BARBARA ZIMMERMAN Mrs. THELMA J. ZIMMERMAN 211 NORTH 19TH STREET CAMP HILL, PA 17011 TOTAL AMOUNT DUE $16,836.85 DATE DUE 09/30/2012 $ DATE DESCRIPTION RATE Days/ CHARGES CREDITS BALANCE Units Balance Forward 15,329.65 "* Nursing Care nxr 08/05/2012 RM/BRD -NURSING - SEMI-PVT 08/01-08/0 295.00 5.00 1,475.00 16,804.65 08/05/2012 PREVAIL BRIEF 1.40 23.00 32.20 16,836.85 i i i i i RESIDENT# CURRENT OVER 30 OVER 60 OVER 90 OVER 120 TOTAL AMOUNT DUE 100813 1,507.20 9,493.70 5,835.95 0.00 0.00 $16,836.85 RESIDENT NAME Mrs. THELMA J. ZIMMERMAN Form PB-D1 NIA 'lease make check payable to Messiah Lifeways at Messiah Village. I% finance charge may be assessed on accounts for which payment has not been received by the due date. Thank you! If you have any questions or concerns about your bill,please address them directly to Fiscal Services at 790-8220. Thank You! v4 MESSIAH .. W„ �. � rifeways" Form PB-01 �I at MESSIAH VILLAGE 100 MT.ALLEN DRIVE,MECHANICSBURG,PA 17055 RESIDENT# UNIT STMT. DATE 100813 067 D 07/31/2012 RESIDENT(S) BARBARA ZIMMERMAN Mrs. THELMA J. ZIMMERMAN 211 NORTH 19TH STREET CAMP HILL, PA 17011 TOTAL AMOUNT DUE $15,329.65 DATE DUE 08/31/2012 DATE DESCRIPTION RATE Days/ CHARGES CREDITS BALANCE Units Balance Forward 8,835.95 7/31/2012 PAYMENT RECEIVED - THANK YOU!!! 3,000.00 5,835.95 *** Nursing Care *** 7/05/2012 BARBER/BEAUTY SHOP 16.00 1.00 16.00 5,851.95 SHAMPOO/SET 7/12/2012 BARBER/BEAUTY SHOP 16.00 1.00 16.00 5,867.95 SHAMPOO/SET 7/19/2012 BARBER/BEAUTY SHOP 16.00 1.00 16.00 5,883.95 SHAMPOO/SET 7/31/2012 RM/BRD-NURSING - SEMI-PVT 07/01-07/3 295.00 31.00 9,145.00 15,028.95 7/31/2012 2CAL PER OZ. 0.20 44.0 28.80 15,057.75 ,7/31/2012 PREVAIL BRIEF 1.40 58.0 221.20 15,278.95 !7/31/2012 FRUIT BEVERAGE 1.95 26.00 50.70 15,329.65 RESIDENT# CURRENT OVER 30 OVER 60 OVER 90 OVER 120 TOTAL AMOUNT DUE 100813 9,493.70 5,835.95 0.00 0.00 0.00 $15,329.65 :ESIDENT NAME Mrs. THELMA J. ZIMMERMAN Form PB-01 ease make check payable to Messiah Lifeways at Messiah Village. I'% finance charge may be assessed on accounts for which payment has not been received by the due date. Thank you! If you have any questions or concerns about your bill,please address them directly to Fiscal Services at 790-8220. Thank You! • J S I/-�'� Form PB-01 ewa f s W at MESSIAH VILLAGE Y 100 MT.ALLEN DRIVE,MECHANICSBURG,PA 17055 RESIDENT# UNIT STMT. DATE 100813 067 D 06/30/2012 RESIDENT(S) BARBARA ZIMMERMAN Mrs. THELMA J. ZIMMERMAN 211 NORTH 19TH STREET CAMP HILL, PA 17011 TOTAL AMOUNT DUE $8,835.95 DATE DUE 07/31/2012 I DATE DESCRIPTION RATE Days/ CHARGES CREDITS BALANCE Units Balance Forward 17,807.15 i i 06/22/2012 PAYMENT RECEIVED-THANK YOU!!! 8,597.70 9,209.45 06/30/2012 PAYMENT RECEIVED-THANK YOU!!! 9,209.45 0.00 *** Nursing Care *** 106/0712012 BARBER/BEAUTY SHOP 15.00 1.00 15.00 15.00 ' SET/STYLE 106 /14/2012 BARBER/BEAUTY SHOP 15.00 1.00 15.00 30.00 SET/STYLE 06/21/2012 BARBER/BEAUTY SHOP 15.00 1.00 15.00 45.00 SET/STYLE 06/28/2012 BARBERBEAUTY SHOP 15.00 1.00 15.00 60.00 SET/STYLE 06/30/2012 RM/BRD -NURSING -SEMI-PVT 06/01-06/3 282.00 30.00 8,460.00 8,520.00 06/30/2012 2CAL PER OZ. 0.20 56.0 31.20 8,551.20 06/30/2012 PREVAIL BRIEF 1.40 63.0 228.20 8,779.40 06/30/2012 FRUIT BEVERAGE 1.95 29.00 56.55 8,835.95 RESIDENT# CURRENT OVER 30 OVER 60 OVER 90 OVER 120 TOTAL AMOUNT DUE 100813 8,835.95 0.00 0.00 0.00 0.00 $8,835.95 RESIDENT NAME Mrs. THELMA J. ZIMMERMAN NIA PB-Ot Please make check payable to Messiah Lifeways at Messiah Village. A I%finance charge may be assessed on accounts for which payment has not been received by the due date. Thank you! If you have any questions or concerns about your bill,please address them directly to Fiscal Services at 790-8220. Thank You! BARBARA ZIMMERMAN 211 N 19TH ST CAMP HILL, PA 17011 216 INVOICE Date of Invoice: 12/29/2012 Invoice Number:811055-00002834 i of 2 1/5/2013 9:08 AM N VO1CI NG http://webnmi1.paoiiline.com/Pages/Mai Ibox.aspx?dispIayMessageO... Dear BARBARA ZIMMERMAN, Did you know, you can now pay your rent on-line, obtain copies of your invoices;update your account information, and add or change those who you allow to access your room, absolutely FREE at littps://www.webse Ifstorage.conVuhaulpcc login.aspx. The rent for your storage room(s) is as follows: Room Pavment Current Next Total # Due Date Balance Due Due 216 1/12/2013 $2.00 $153.65 $155.65 Balance Due: $155.65 Please mail your check or go to https://www.webselfstorage.com/uhaulpeclogjn.aspx to avoid fees late charges. Payments received 3 days after the due date are considered late and subject to a late fee of $15.00. Thank you for your business. Clarence Reazer U-Haul Moving& Storage of Mechanicsburgscott_reazer @uhaul.com (717)763-7677 811055 Account Summary Item Amount Room(s) # 216 Rent $144.95 Date Of Last Payment 12/6/2012 Other $0.00 Amount Of Last Payment $155.65 Late Fees $15.00 Monthly Rent $144.95 Fees $-13.00 Services $0.00 Insurance $0.00 Taxes $8.70 Balance Due $155.65 Seam Not span Forget previous vote oP2 1/5/2013 9:08 AM _U-Haul Moving&Storage of Mechanicsburg 4725 Gettysburg Rd Mechanicsburg,PA 17055 BARBARA ZIMMERMAN 211 N 19TH ST CAMP HILL, PA 17011 216 INVOICE Date of Invoice: 1]/28/2012 Invoice Number:811055-00002834 Dear BARBARA ZIMMERMAN, Did you know, you can now pay your rent on-line, obtain copies of your invoices, update your account information, and add or change those who you allow to access your room, absolutely FREE at https://www.webselfstorage.com/uhaulpeclogin.aspx. The rent for your storage room(s) is as follows: Room # Payment Due Date Current Balance Next Due Total Due 216 12/12/2012 $2.00 $153.65 $155.65 Balance Due: $155.65 Please mail your check or go to his://www.websel fstorage.com/uhaulpcclogin.aspx to avoid fees late charges. Payments received 3 days after the due date are considered late and subject to a late fee of$15.00. Thank you for your business. Clarence Reazer U-Haul Moving& Storage of Mechanicsburgscott_reazer @uhaul.com (717)763-7677 811055 Account Summary Item Amount Room(s) # 2 t b Kent a i 44.7 Date Of Last Payment 11/9/2012 Other $0.00 Amount Of Last Payment $155.65 Late Fees $15.00 Monthly Rent $144.95 Fees 5-13.00 Services $0.00 Insurance $0.00 Taxes $8.70 Balance Due $155.65 11/28/2012 06:13:45 AM(30-55545940-811055) �us'mmers Retelp f to Friday- 11+9x2012 -3 3927 PM 811055-00002234-00042126 EAPoA::A 7INf.IER1,1411 U-Haul tdovin0 8 Storage of f:lechanicsburg 611045 'I 11 19TH ST 4725 Gettysburg Rd 04t.IP HIL'_ PA 170', Mechanicsburg. PA 170`6 (717)7&3-7777 DESc-,IFTFDfl THRU PAID AMOUNT ki-,1ITHLI' 61111111IG FEE S200 0X20.'.9 DRIVE UP ". OUTSIDE 11O11-CLIMATE 1211 V2012 '7 5144 9F- Paid Total 514&9.5 Unpaid Total S0 00 Ta%P.A 3% 53.70 Fee Total: 5155.65 56161 PCHK 5155 65 Payment Total: 5155.65 Account Balance: S0.00 x x C:usm[ner's�innamre Employee's Sionature (CLAREPICE) Thank you for being a Premier Customer Club member! Ilezt lime make your payment online at 1Nd^NUhaulstorage corn N0 DRIVING NO MAILING. HO HASSLE —U-Haul Moving&Storage or M xhtuucsbmg 4725 Gettysburg Rd Mechar icsbutg,PA 17055 BARBARA ZIMMERMAN 211 N 19TH ST CAMP HILL, PA 17011 216 INVOICE Date of Invoice: 8/29/2012 Invoice Number:811055-00002834 Dear BARBARA ZIMMERMAN, Did you know, you can now pay your rent on-line, obtain copies of your invoices, update your account information, and add or change those who you allow to access your room, absolutely FREE at https://www.webselfstora,ile.com/uhaulpcclogin.aspx. The rent for your storage room(s) is as follows: Room # Payment Due Date Current Balance Next Due Total Due 216 9/12/2012 $2.00 $153.65 $155.65 Balance Due: $155.65 Please mail your check or go to https://www.webselfstorage.com/uhaulpcelogin.aspx to avoid fees late charges. Payments received 3 days after the due date are considered late and subject to a late fee of$15.00. Thank you for your business. Clarence Reazer U-Haul Moving& Storage of Mechanicsburgscott_reazer @uhaul.com (717)763-7677 811055 Account Summary Item Amount Room(s) # LiV nci w=��.•� Date Of Last Payment 8/12/2012 Other $0.00 Amount Of Last Payment $153.65 Late Fees $15.00 Monthly Rent $144.95 Fees $-13.00 Services $0.00 Insurance $0.00 Taxes $8.70 Balance Due $155.65 08/29/2012 06:31:52 AM(112-53199459-811055) ® Nationwide YOUR AUTO BILL On Your Side T Edwards Thelma Zimmerman Page 1 of 2 Date prepared November 14,2013 Billing account 5801621152 Questions? Contact James R Kiser at 717-7610190 T Edward&Thelma Zimmerman Visit us online Go to nanonwideeom to view and C/O Barbara Zimmerman pay your bill,report claims and more. 211 N 19th St Camp Hill PA 17011-3926 Please make your Amount due payment by December DESCRIPTION AMOUNT O8, 2013 Minimuiii mobthly p4yment'inEltldes a$5iD0",mstalimknt fee* 't ,�T ' - :-.c .$8175 Tft[ea inoittiyips umt tnclud9ssa$5.00sfd'st imenC,f @"ba+ s ''. ' °,$23&25 payrti'entrmfiut4-�ih '§=iio Your last payment of$128.70 was received on July 22,2013. C) Your premium has changed a As of December 8,2013,the following changes have been made to your policy: u", oLearn more about Easy pay Home and Car discount removed Ci • Multi-car discount removed Talk to your agent or visit C7 You should have already received a new Policy Declaration explaining this change. ul Nationwide,com/account. a Premium details 0 N POLICY AND POLICY NUMBER FOR COVERAGE PERIOD BALANCE PAYMENT Auto 2008 CHEV IMPALA 12/08/13-06/08/14 $460.50 $76.75 58378 972607 Account information Insuring company for account 5 9 016 2115 2 is as follows: POLICY NUMBER POLICY TYPE _ INSURING COMPANY 58378 972607 Auto Nationwide Mutual Insurance Company See reverse side for additional information T Edward&Thelma Zimmerman Page 2 of 2 Additional information • To keep you protected,we're always on the lookout for insurance fraud.If you know or suspect someone is committing insurance fraud. please notify us.You can contact our anonymous Fraud Hotline at 1.800.474.7633 anytime,or email rptfraud@Nationwide.com. Keep these terms and conditions in mind • You may be charged a return item fee if your payment is returned by your bank; if this fee isn't paid,your policy may be cancelled • You may be charged a late payment fee if your payment isn't received by its due date: if you're charged this fee and it isn't paid,your policy may be cancelled • Your payments are applied to prior policy period balances and fees first,then to current policy period balances in this order:auto, property,commercial and life • If you pay by check,you authorize us to either make a one-time electronic funds transfer (EFT) from your account or to process your payment as a check;an EFT may be withdrawn from your account the same day we process your payment and your check will not be returned to you Nationwide YOUR AUTO BILL On Your Side T Edward&Thelma Page 1 of 16 Date prepared November 14.2012 Billing account 5801621152 Questions? Contact JAMES R KISER at 717-761-0190 T Edward &Thelma Visit us online Go to nationwide com to view and Zimmerman pay your bill. report claims, and more. 211 N 19th St Camp Hill. PA 17011-3926 Please make your payment Amount due rn by December 08,2012 DESCRIPTION AMOUNT Minimum monthly payment induces cludes a$S.00 installment fee $46.87 T - Three month payment includes a $5 00 installment fee $130.60 10 Payment in full has no installment fee $251.20 O O Your last payment of$241.90 was received on June 6.2012. O a Premium details ,N POLICY AND POLICY NUMBER FOR COVERAGE PERIOD BALANCE PAYMENT Ways to Save: Becoming a Auto 2008 CHEV IMPALA 12/08/12-06/08/13 $251.20 $41.87 Farm Bureau member may 58378 972607 lower the cost of your insurance by as much as Account information $25.10 this renewal. Insuring company for account 5801621152 is as follows: POLICY NUMBER POLICY TYPE INSURING COMPANY 5837B 972607 Auto Nationwide Mutual Insurance Company Additional information ,."`•• To keep you protected,we're always on the lookout for insurance fraud. If you know or suspect someone is committing insurance fraud, please notify us.You can contact our anonymous Fraud Hotline at 1.800.474.7633 anytime,or email rptfraud@Nationwide.com. See reverse side for additional information _. T Edward&Thelma Page 2 of 16 Keep these terms and conditions in mind • You may be charged a return item fee if your payment is returned by your bank: if this fee isn't paid your policy may be cancelled • You may be charged a late payment fee if your payment isn't received by its due date: if you're charged this fee and it isn't paid.your policy may be cancelled • Your payments are applied to prior policy period balances and fees first. then to current policy period balances in this order:auto. property.commercial.and life • If you pay by check.you authorize us to either make a one-time electronic funds transfer(EFT)from your account or to process your payment as a check,an EFT may be withdrawn from your account the same day we process your payment and your check will not be returned to you Statement Period 03/22/14 TO 04121114 SANTANDER PREMIER CHECKING For your convenience our Customer Contact Center is available from 7 am-8 pm EST,7 days a week Call us at 1-877-768-1143 ms9c11AF010422063323M002411 W2-11 Do Hearing impaired may call 1-800-428-9121(TTY/1TD). www santandetbank corn THELMA 1 ZIMMERMAN BARBARA A ZIMMERMAN 1000 211 N19TH ST 7021 CAMP HILL PA 17011-3926 Period Financial Summary ement 1 11 THELMA J ZIMMERMAN BARBARA A ZIMMERMAN Deposit Accounts Account Number Average Daily Balance Current Balance 5ANTAND£B PRE3viIY1 CHECKING 1fiB3715597 S20,742.07 $20>742.24' STATEMENT SAVINGS 1684007139 $2,541.45 $2.541.47 Total Deposits $23,283.71 SANTANDER / rr ' THELMA J ZIMMERMAN Account 0 1681715597 BARBARA A ZIMMERMAN Balances Be Inningl3alance $20,742;06 {urrent Balance $20�74z 24 ;{ Deposits/Credits +$0.18 Average Daily Balance $20,742.07 With ra>ivalsNebits $0-00 Interest Paid thu-.Penta $0:'18 Annual Percerttage.Yield Earned 901% r Earned this Period $0 18 Paid Last Year $225 Paid Year4c,-Date $0:70 'The interest earned and the interest paid may differ depending on when interest is credited to your account Account Activity Date Description Additions Subtractions Balance 03-22 Beginning Balance $20,742.06 04-21 INTEREST;CREDff FROM.93RO)d6i476 1912014: 1 $ 18 $ZD;94224': 04-21 Ending Balance $20.742 24 STATEMENT SAVINGS Statement Period r 1 ltiar THELMA J ZIMMERMAN Account 7F 7684007139 - BARBARA A ZIMMERMAN Balances Reglmmn g Balance :0,54 1'41 Curieot Balance $2;541 47 Deposits/Credits +$0.06 Average Daily Balance $2,541 45 Wifhdrawals/Debits CinlarxNr Pdn4,rlAr .i AMnYn,rlll�.rN aWlxdN rr nJ wLrrlraryrrl llnnm$ar Mer SA OJlrli f.n rrxlnr MrrL.lln IS.,r rrinr nl rlt lr,lra rnrpal mel lr.,rlr.r i,r4,rd llam,r Onl.,nrlrr,�n rx rlr.ill4vr l'ngel af3 � �,i.,u.,�...r.n,^n,m.ri a.nx,.xxi��m�r r�rrr�m., r.rr` 1681775597 Interest thiSTM Earned this Period $006 Paid Last Year $1 06 The interest earned and the interest paid may differ depending on when interest is credited to your account Account Activity Date Description x6dio^n+ S"iumcti^o/ n»|aoc* 03-22 uei } Balance Orr go 04-21 Ending Balance S2,541 47 What You Need tn Know about Overdrafts and Overdraft Fees Overview x^overdraft occurs when you oonot have enough money in your account to cover a transaction,but we pay it anyway.We can cover your overdrafts.^two different ways l wo have standard overdraft practices that come with your account 2 ma also offer an overdraft protection plan which allows you to link other accounts such as a savings account o,ao Easy Access Line o/Credit to cover overdrafts in your checking account This plan may be less expensive than our standard overdraft practices.To learn more,ask us about this plan This notice explains our standard overdraft practices. What are the standard overdraft practices that come with mvaccount? Santander currently authorizes and pays overdrafts for the following types o/transactions: ~ Checks and other transactions made using your checking 0000^Lnumber ^ Automatic bill payments ^ Online Banking payments and transfers , Recurring debit card transactions Santander will not authorize and pay overdrafts o^the following types v/transactions,UNLESS you authorize"s todosv� , ATM withdrawals and t,00*cn ° one-time debit card transactions vve pay overdrafts ot our discretion,which means we do not guarantee that we will always authorize and pay any type of transaction If we do not authorize and pay a^overdraft,your transaction will he declined. What fees will|b*charged if Santander pays on overdraft caused bvmy ATM",one-time debit transaction? Under our standard overdraft practices ^ We will charge you a fee of up to $35 each time we pay an overdraft.There is a limit of 6 fees per day we can charge you for weocmwi"o your account ^ An additional one-time fee o/$3r will he charged on the*h consecutive business day your account is overdrawn.This charge applies m checking accounts(other than any Premier Checking and Santander Select Checking xov""u),savings and money market savings accounts(other than any Santander Select Money Market Savings Accounts), What if I want Santander to authorize and pay overdrafts on my A1M and one-time debit card transactions? n you want us to authorize and pay overdrafts oo ATM and one-time debit card transactions,the easiest way todo`ois tu enroll Online., Santander Account Protector hy visiting vwvwonmooerbonk commn000trro/am/ ,00moahoca|"Satl-o//-/oo-*/2l,vb.tyoo/neo,est branch o,opt-ioot any Santander ATM Can|change my mind later? /f you tell os that we are permitted m pay any overdrafts caused hv ATM o'one-time debit transactions,you can always change your mind and te| osyo""o|onne,wa^to`toau*i` ,0000x.,i,ao'b,a^cho'w| "sotl-o77-7^^472lood tell",you"o longer want"`to pay these types o/overdrafts. Page 2&f3 7681715597 Santande IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS CALL YOUR CUSTOMER SERVICE CENTER AT THE NUMBER SHOWN ON THE TOP OF YOUR STATEMENT OR WRITE TO THE BANK FOR DEBIT CARD ISSUES FOR All OTHER ELECTRONIC TRANSFER ISSUES: Santander Bank Santander Bank Attn.Card Disputes Team Add Client Relations MAI MB3 02 05 10-421-CR1 P O Box 831002 P O.Box 12646 Boston,MA 02283-1002 Reading,PA 19612-2646 Please contact us if you think information about an electronic transfer on your statement or receipt is wrong or if you need additional information about an electronic transfer on the statement or receipt.We trust hear from you no later than 60 days after we sent you the FIRST statement on which the error appeared. •Tell us your name and account number. •Describe the electronic transfer error or the electronic transfer that •Tell us the dollar amount of the suspected error you are unsure about and explain as clearly as you can why you believe there is an error or why you need further information. If you tell us;orally,we may require you to send your complaint or question in writing within 10 business days. wWe will promptly investigate the matter and call or write to you with an answer within 10 business days.If we need more time,we may take up t? to 45 days to investigate your complaint or question.If we do,we will credit your account within this 10-day period for the amount you think is in p error,so you will have the use of the money during the time it takes us to complete our investigation If we ask you to put your complaint or question in writing and we do not receive it within 10 business days,we may choose not to credit your account. 0 For errors involving new accounts,point of sale purchases or foreign transactions,we may take up to 90 days to investigate your complaint or question. For new accounts,we may take up to 20 business days to credit your account for the amount you think is in error. We w it tell you the results of our investigation within 3 business days after completing our investigation.If we decide there was no error,we will send you a written explanation.You may ask for copses of the documents we used in our investigation. S IN CASE OF ERRORS OR QUESTIONS ABOUT OTHER TRANSACTIONS ON YOUR STATEMENT You must contact us within thirty(30)days after you receive yourstatement if you think a transaction,other than an electronic transfer,shown ci on your statement is wrong or if you need more information about the transaction. P You may contact your nearest branch or our Customer Contact Center at 877-768-2265.Customers with hearing impairments may call 800-428-9121(TTYfrDD).We will investigate your dispute and tell you the results of that investgation. Pnge 3 nf3 rxx nr ccoe II Statement Period 02/22/14 TO 03/21/14 SANTANDER PREMIER CHECKING For your convenience our Customer Contact Center is available from 7 am-8 pm EST,7 days a week Call us at 1-877-768-1143. M88GrtAF020324082941. 00010e8-oo2-}}m Hearing impaired may cal[1-800-428-9121(TTYM D). www santandeiliank com THELMA 1 ZIMMERMAN BARBARA A ZIMMERMAN 1000 211N19TH ST 7021 CAMP"ILL PA 17011-3926 Rollover and fund an IRA today. Thank yourself tomorrow. 4 Defer taxes. Simplify retirement savings. Start now. s s Simplify your retirement investing by consolidating your assets into a single tax-advantaged account-Our Financial Consultants will design a custom financial strategy that meets your 0 specific goals. a g *Nklre.SartaraLr Serurioeuli.Cl txx,i:pxen4 s�54eres ordNSms prcwide+aeo!h'n.±.'lhweicrrJt i�.Urgn�ry mrrmmenAn7 that Mu Aiscu¢thau.matcerr.vd,h ytror mmrnry nr perunalartcnsWtanl MSVa invgStlM :x,.inanMi}Ly .vi<+5 teof erfpr.rt}Ke. b�xk 1.reslmmi. . Ps aAn4dan f>a nde Sx ult e.❑ 5anlaml..SE rre,M LIC ^plzte,eA lrrnk¢v ePaler.e:,rmb: fNPA and 51>f zmareg,teredin,rM1tlentadr::w V.nlar ,•siertvlthra gh,,antateMr Sc-ixl:,tzCOr.tSaRUa.es Santander" _ l _ r IrDI':N F u t II PA.I<i fE A t' ll*t ✓Yl 1 T✓JC a bark for YDur Ideas ' I/ R1h5111I a5,(l;li�I T .Jl NCY I J 51AIx UrPi I Lock in a Competitive Rate with a Santander IRA CD • Save for retirement • Guaranteed rate of return y • FDIC insured* Don't forget to open an IRA CD by April is to make your 2013 contribution and take advantage of a guaranteed rate of return and tax-deferred growth. Visit your local branch L 1.877-768.2265 santanderbank.com/cd -Member{'UlCVlcwri+sdwiwv.}drz Env}a'dnalz N4849 3B4 uao318AP k,NA Nnt4 M1i,l er 1, aNawh,Jty,rv+6,suMtliay Mffanrn SantaMer.SA P]Ot3 tanlarp'er 7�t &mk.N A 6an1ar9et aM tla IMn fre•mnlam,I ntrL.rud.4 LSay goodbye to ATM fees in Puerto Rico and Mexico J Whether you're traveling for business nr pleasure,you can now use Santander ATMs in Mexico and Puerto Rica at no lost to you'Asa Santander ATM or debit card customer.you have access to more than 5,mo Santander affiliated ATMs across Mexico,and i3o affiliated ATMs in Puerto Rico,' That's financial freedom on the move. I ATAif wthin ill,T iknel 91c Rxoeoe.to WIV,,'}lnar aze 1 Irl5antandat Bask N txu 0 Bt dMIen'aria lot INV,'Re.vnt.nder may Santander cha:xCa(M For thevse ofanm-iantmMn ATM ra wi0,,v.;l e,taiance inquiry ATM w,loaf alst,durge a v agate fee, a bank for your ideas zPo h,v,t,rtbnnlnansartiuru complete wjt jethe So ljnitmi Stater.the Dittrin M CWunrMaadh+ehoRk9rrclug yrnr Debit Cwda4'+el mm iull In US Iitah"01 he aq'Ihm 14u3PRW N4891 3114 Period Financial Summary Statement + THELMA J ZLMMERMAN BARBARA A ZLMMERMAN Deposit Accounts Account Number Average Daily Balance Current Balance YN7 f-0C3�RPR MIfB Ctf�SJCIi#Ct 96$777 5 7 0,7ft 1 STATEMENT SAVINGS 1684007139 $2,54139 $2,541.41 Total Deposits $21283.47 SANTANDER PREMIER CHECKING Statement Period t s THELMA J ZIMMERMAN Account# 1681715597 BARBARA A ZLMMERMAN Balances $ Ettrmtg 8nlarst'e $'6�4i 96 y.. urrent�.rilarjce rt 2O74266>9. Deposits/Credits +$0.16 Average Daily Balance $20,741.91 11Vi#FitltaWals -.:;M � °,$000 Interest �ald:tNs,trel'3odt'�9' ': x0.'161, 9AnnU�il)fetc�rtta e-YseEBTsfiletl , _ .. 661%_�i Earned this Period 50.16 Paid East Year t $2 25 NBC NOY ejotoDbi$. "50,52 "The interest earned and the interest paid may differ depending on when interest is credited to your account, Account Activity Date Description Additions subtractions Balance 02-22 Heminning Balance $20.741.90 03-21 • 1NTEBt51'CREDIT?:ROM 47!207.0§4 Ttl 0371.9f2 t4 77 $ J.,t $120,742 0 03-21 Ending Balance S20,74206 Period STATEMENT SAVINGS Statement 1 f THELMA J ZLMMERMAN Account# 7684007139 BARBARA A ZLMMERMAN Balances Begrnnmg Balarite ....x'254735 9CurTenY9.'atanre Deposits/Credits +$0.06 Average Daily Balance $2,541 39 YV1;§ itraWaCtlD'C�%il8 ? $006_ -- 3 - Santander Interest ho Earned this Period $006 Paid Last Year $1 06 The interest earned and the interest paid may differ depending on when interest is credited to your account, Account Activity Date me*xixti*w Additions Sokmucmuws nx|n**o o222 Beginning o | *r $2541,35 _dNTEREST CREDIT 03-21 Ending Balance $2,541,41 What You Need tw Know about Overdrafts and Overdraft Fees Overview An overdraft occurs when you do not have enough money in your account to cover a transaction,but we pay it anyway.We can cover your overdrafts mtwo different ways I W~have standard overdraft practices that come with your account 2 vve also offer aooverdraft protection plan which allows you to link other accounts such as a savings account or an Easy Access Line of Credit to cover overdrafts in your checking account,This plan may be less expensive than our standard overdraft practices.To learn more.ask mabout this plan 7h.sovt/c,expb~svu,'xwwdar*owexd,uftp,xmi/es. What are the standard overdraft practices that come with mvaccount? Santander currently authorizes and pays overdrafts for the following types of transactions� ~ Checks and other transactions made using your checking account number ~ Automatic bill payments ° Online Banking payments and transfers ^ Becoming debit card transactions Santander will not authorize and pay overdrafts o^the following types of transactions,UNLESS you authorize osmdh,o� " ATM withdrawals and transfers 8 ° One-time debit card transactions w^pay overdrafts»t our discretion,which means x*dvnot guarantee that we will always authorize and pay any type v{transaction./f we do not authorize and pay an overdraft,your transaction will ve declined. What fees will nbe charged if Santander pays a*overdraft m`m,wd&vw^y ATM o/one-time debit transaction? Under our standard overdraft practices. ^ We will charge you a fee x/opioS35 each time ve pay 000verdraft There.so limit o,o fees per day we.can charge you for ove'm*°.o0 your account, ° An additional one-time fee of$35 will be charged on the 6th consecutive business day your account is overdrawn This charge o^p|,s tv checking accounts(other than any Premier Checking xcoouou),savings and money market savings accounts What if I want Santander to authorize and pay overdrafts on my ATM and one-time debit card transactions? if you want us to authorize and pay overdrafts on ATM and one-time debit card transactions.the easiest way\odosois to enroll online in Santander Account Protector by visiting www.santanderbank comlaccQuintprotector.You can also call us at 1�877768-4721,visit your nearest branch o,opt-."m any Santander ATM Can I change wmy mind later? //you tell os that we are permitted to pay any overdrafts caused by ATM or one-time debit transactions,you can always change your mind and tell`o you ou longer want"smdv this,You can visit any branch o,call us at/-ur/'7o^-u7z1aod tell u`you ou longer want"sm pay these types v/overdrafts � n^.""^/^ IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS CALL YOUR CUSTOMER SERVICE CENTER AT THE NUMBER SHOWN ON THE TOP OF YOUR STATEMENT OR WRITE TO THE BANK FOR DEBIT CARD ISSUES: FOR ALL OTHER ELECTRONIC TRANSFER ISSUES. Santander Bank Santander Bank Attn:Card Disputes Team Attn.Client Relations MAI MB3 02 05 10421-CRI P.O.Box 831002 P.O.Box 12646 Boston,MA 02283-1002 Reading,PA 19612-2646 Please contact us if you think information about an electronic transfer on your statement or receipt is wrong or if you need additional information about an electronic transfer on the statement or receipt.We must hear from you n r later than 60 days after we sent you the FIRST statement on which the error appeared. •Tell us your name and account number.- +Describe the electronic transfer error or the electronic transfer that •Tell us the dollar amount of the suspected error, you are unsure about and explain as clearly as you can why you befieve there is an error or why you need further information. It you tell us orally,we may require you to send your complaint or question in writing within 10 business days. We will promptly investigate the matter and call or write to you with an answer within 10 business days.If we need more time,we may take up to 45 days to investigate your complaint or question.If we do,we will credit your account within this 10-day period for the amowst you think is in error,so you will have the use of the money during the time it takes us to complete our investigation.If we ask you to put your complaint or question in writing and we do not receive it within 10 business days,we may choose not to credit your account. For emors involving new accounts,point of sale purchases or foreign transactions,we may take up to 90 days to investigate your complaint or question.For new accounts,we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results of our investigation within 3 business days after completing our investigation.If we decide there was no error,we will send you a written explanation.You may ask for copies of the documents we used in our investigation. IN CASE OF ERRORS OR QUESTIONS ABOUT OTHER TRANSACTIONS ON YOUR STATEMENT You must contact us within thirty(30)days after you receive your statement if you think a transaction,Other than an electronic transfer,shown on your statement is wrong or if you need more information about the transaction. You may contact your nearest branch or our Customer Contact Center at 877.768-2265.Customers with hearing impairments may call 800.428-9121(TTY/rDD).We will investigate your dispute and tell you the results of that investigation. Page 4of4 1681715597 Statement Period 01/22/14 TO 02/21114 SANTANDER PREMIER CHECKING For your convenience our Customer Contact Center is available from 7 am-8 pm EST,7 days a week Call us at 1-877-768-1143. Msoc11AF01022408o93t-o0000l24003-11 00 Hearing impaired may call 1-800-428-9121 (TTY/ITD). www santanderbank core THELMA I ZIMMERMAN BARBARA A ZIMMERMAN 211 N 19TH ST 1000 CAMP HILL PA 17011-3926 70 21 a so to BRAVO- Tripe Points, APPLY TODAY. Bravo. 4o Santander L J :- r�; WORLD TRIPLE POINTS ON GAS,GROCERIES AND RESTAURANTS, 0 Up to 15,ocro points per quarter. 0 OC3111-877-768-=65 ® Visit a local branch O Go to http://santanderbank.com/cards/bravo Three points per dollar spent on gas.groceries and restaurants up to,bow points per Warier.After that.still earns point forevery dollar spend-always eligible,with poird,,t doda expire. Santander Bank,N.A.Is a Member FDIC and a wholly owned subsidiary of Banco Santander,S A.'Santander and its logo are regstered trademarks,and'a bank foryow ideal Is a service mark,of Banco Santander.S.A.or Its afiliate,or sub0dhries in the United States and other countries.02013 Santander Badr,NA,MasterCard Is a registered trademark of MaII<rated International Arm, rated.Bravo is a ww<e mark of gantander Bank. 1,.BRV0 N42n 2/14 Day LIt's President's Da all , month long. IN `us put you behind the wheel. With President's Day corning down the pike,what better time to own the car you really want?Take advantage of our low auto loan rates fora new or used car or to refinance your existing auto loan. Act fast.Apply today. nCall s 877476 8562 r1 visit santanderbank corn/auto Q sop by your local Santander Bank branch Sint PrIllk M1 A t I rs, h )If' cl la. d ' ii : 5_I-_I.Sa Calulwl P 1`:A.I"r ru:LY.- d Id 1,1,,g,rd 'e^.. k c(.ln•: .1t I' d 1:,25 , d rr0.n lh It r,.q: r r< 'I'..-es 111''Aljrll N.lIrxr de Sar' Bier Bank,NA na LWM1rIMC Intlawh*—ecel Irbulun d Banm Sanlmder,S A 02013 Sera.,, Page 1 of 5 INnk,fl A ISanl InIrr Ind:b lain am r,.,1rrrd tra]enmrks M Banm Sa.A rder,SA m iB allNales or R j iu,inn 1umldumn e,the lewnd ulml lml nlMrrarnlms 1681715597 Beginning on April IS,2014,funds from checks you deposit at Santander ATMs that do not require the use of deposit envelopes will be made available as follows: •First Poo.The first Sroo of these checks will continue to be available during a business day if withdrawn at an ATM during the same business day the check deposit was made. •Next Day Availability.Funds from U.S.Treasury checks and checks drawn on Santander Bank will continue to be available the first business day after the day of deposit. In addition,Federal Home Loan Bank and Federal Reserve Checks and postal money orders will be available the first business day after the day of deposit. •Other Check Deposits.Funds from all other checks deposited at a Santander ATM will made available under our standard availability policy for other check deposits. •First Stop.The first$200 of all checks you deposit on a business day will be available on the first business day after the day of deposit. o Remaining funds.The remaining funds will be available no later than the second business day after the day of your deposit.For example,if you deposit a check for sT,000 on a Monday and deposit no other checks,s2oo of the deposit is available on Tuesday.No later than Wednesday,the remaining$Boo is available. All cash deposits you make without using an envelope will continue to be immediately available.Also,funds from ' checks you deposit at Santander ATMs that require the use of deposit envelopes on a business day will continue to be available the next business day. The complete Santander Bank Funds Availability Policy is available in our Personal Deposit Account Agreement.You can obtain a copy of our Personal Deposit Account Agreement at any Santander branch. µtaATMF N;n$ J„y Financial Summary Statement x •t r r THELMA J ZIMMERMAN BARBARA A ZIMMERMAN Deposit Accounts Account Number Average Daily Balance Current Balance STATEMENT SAVINGS 1684007139 12,541.33 $2,541.35 Total Deposits $23,283.25 SANTANDER PREMIER CHECKING Statement Period r r THELMA J ZIMMERMAN Account 1111681715597 BARBARA A ZIMMERMAN Balances MM i ni""§'alaix F:N Deposits/Credits +$0.18 Average Daily Balance I20,741.73 -- f . Interest aid,iTisP2nt5"� Earned this Period $0.18 Paid last Year $2.25 •The interest earned and the interest paid may differ depending on when interest is credited to your account. Page 2 of 1681715397 4o Santander Account Activity Date Description Additions Subtractions Balance 0142 Be innin Balance 520,741.72 02„29€:: �.' ��:IMfREST CRFDII�E OM 02ROR07;4*T002J59R054 uty,� c��a4 .z^.:a� a�SO 02-21 Ending Balance 520.741 90 STATEMENT SAVINGS Statement Period t r MELMA J ZIMMERMAN Account N 1684007139 BARBARA A ZIMMERMAN Balances 28e 5n11ih Bslaric` `e�.rza rr,. ms'i..$ „ m . , . �« :x b..: ^. ”' '."=+u~4.",z'• `9 - �. De osits/Credits +$0.06 Average Daily Balance $2.541.33 p.W tMiltaW34sNebtLst�'. a�xa&.i ` &' ;5 'k r'e tJ 00 A a :,Y�;=.i " "St -°'s,'Yy ✓`° ".zz 1Y `a_, .�" "M- -# y a ai>,,. Interest Earned this Period 50.06 Paid last Year $1.06 4Feid ayear Tb,�ate,; >*"zAx .+ ..ri z£ ,:>i•:� r> F 50 t2 r✓ •The interest earned and the interest paid may differ depending on when interest is credited to your account. Account Activity Date Description Additions 'Subtractions Balance 01 22 -Beginning Balance $2.541.29 `.�02 03;:i w ri M}Ti<REST CREDIT FROM 01y01R01'4T6 01J37ROS4L 4rt'? �Ss3 b' -X 31� s0 6 '< `+' Y 02-21 Ending Balance $2,541.35 Tn9e3 of 5', 1691715597 What You Need to Know about Overdrafts and Overdraft Fees Overview An overdraft occurs when you do not have enough money in your account to cover a transaction,but we pay it anyway.We can cover your overdrafts in two different ways. 1. We have standard overdraft practices that come with your account 2. We also offer an overdraft protection plan which allows you to link other accounts such as a savings account or an Easy Access Line of Credit to cover overdrafts in your checking account.This plan may be less expensive than our standard overdraft practices.To learn more,ask us about this plan This notice explains our standard overdraft practices. What are the standard overdraft practices that come with my account? Santander currently authorizes and pays overdrafts for the following types of transactions. • Checks and other transactions made using your checking account number • Automatic bill payments • Online Banking payments and transfers • Recurring debit card transactions Santander will not authorize and pay overdrafts on the following types of transactions,UNLESS you authorize us to do so: • ATM withdrawals and transfers • One-time debit card transactions We pay overdrafts at our discretion,which means we do not guarantee that we will always authorize and pay any type of transaction If we do not authorize and pay an overdraft,your transaction will be declined. What fees will I be charged if Santander pays an overdraft caused by my ATM or one-time debit transaction? Under our standard overdraft practices. • We will charge you a fee of up to$35 each time we pay an overdraft.There is a limit of 6 fees per day we can charge you for overdrawing your account. • An additional one-time fee of$35 will be charged on the 6th consecutive business day your account 6 overdrawn.This charge applies to checking accounts(other than any Premier Checking Accounts),savings and money market savings accounts. What if I want Santander to authorize and pay overdrafts on my ATM and one-time debit card transactions? if you want us to authorize and pay overdrafts on ATM and one-time debit card transactions,the easiest way to do so is to enroll online in Santander Account Protector by visiting www.sant anderbank.com/accountprotector.You can also call us at 1-877-768-4721,visit your nearest branch or opt-in at any Santander ATM. Can I change my mind later? If you tell us that we are permitted to pay any overdrafts caused by ATM or one-time debit transactions,you can always change your mind and tell us you no longer want us to do this You can visit any branch or call us at 1-877-768-4721 and tell us you no longer want us to pay these types of overdrafts Page 4 of 5 1681715597 4o Santander IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS CALL YOUR CUSTOMER SERVICE CENTER AT THE NUMBER SHOWN ON THE TOP OF YOUR STATEMENT OR WRITE TO THE BANK FOR DEBIT CARD ISSUES: FOR ALL OTHER ELECTRONIC TRANSFER ISSUES: Santander Bank Santander Bank Attn Card Disputes learn Atm Client Relations MAI MB3 02 05 10-421-C R t P O.Box 831002 P.O.Box 12646 Boston,MA 02283-1002 Reading,PA 19612-2646 Please contact us if you think information about an electronic transfer on your statement or receipt is wrong or if you need additional mformatinn about an electronic transfer on the statement or receipt.We.must hear from you no later than 60 days after we sent you the FIRST statement on which the error appeared. •Tell us your name and account number. +Describe the electronic transfer error or the electronic transfer that •Tell us the dollar amount of the suspected error, you are unsure about and explain as clearly as you can why you believe there is an error or why you need further information. If you tell us orally,we may reauire you to send your complaint or question in writing within 10 business days. mWe will promptly investigate the matter and caller write to you with an answer within 10 business days.if we need more time,we may take up s? to 45 days to investigate your cornplaint or question.if we do,we will credit your account within this 10-day period for the amount you think is in m error,so you will have the use of the money during the time it takes us to complete our investigation If we ask you to put your complaint or 3 question m writing and we do not receive it within 10 business days,we may choose not to credit your account, For errors involving new accounts,point of sale purchases of foreign transactions,we may take up to 90 days to investigate your complaint or w question.For new accounts,we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results of our investigation within 3 business days after completing our investigation,if we decide there was no error,we will send you a written explanation.You may ask for copies of the documents we used in our investigation. 8 IN CASE OF ERRORS OR QUESTIONS ABOUT OTHER TRANSACTIONS ON YOUR STATEMENT You must contact us within thirty(30)days after you receive your statement if you think a transaction,other than an electronic transfer,shown on your statement is wrong or if you need more information about the transaction. You may contact your nearest branch or our Customer Contact Center at 877-768-2265.Customers with hearing impairments may call 800-428-9121 (TTY(fDD).We will investigate your dispute and tell you the results of that investigaten. Page 5 of 5 1681775597 �i Statement Period 12/22113 TO 01/21/14 SANTANDER PREMIER CHECKING For your convenience our Customer Contact Center Is available from 7 am-8 pm EST,7 days a week Call us at 1-877-768-1143. MseGHAF010122055712 0000te20uo2-1000 Hearing impaired may call 1-800-428-9121 (TTV/rTD). www santanderbank com THELMA 1 ZIMMERMAN BARBARA A ZIMMERMAN 211 N 19TH ST 0000 CAMP HILL PA 17011-3926 7 0 21 It's time your ideas ra r came to life. 0 with a Home Equity Line of Credit. 0 on 0 cas It's time your ideas came to life with a Flexi Home Fquity Line of Credit.Whether sa it's for home improvements or repairs,tuition,or to have on reserve for unexpected ca expenses —unlock the potential equity in your home and make it happen. 0 on Along with great rates,you'll enjoy: 0 Convenient Access:Withdraw the money you need up to your available credit limit, whenever you need it. And only pay interest on the amount you withdraw.' Smart Option: Choose your payment type of principal and interest, interest only, or take advantage of our Fixed Rate Lock opition' It's smart. It's doable. It's time. Act now. Santander" i a bank for your ideas, 2 santanderbank.com/lines 9Cal 11.877,476.8562 11 Visit your local branch, [_]Equal Housing,Lender. 1 Subject b approval,H-Aock account use is subject to the terms of the Santander Horne Equity Line or Crmfil Aggreemenq Including teinls that permit lines to be suyeMM,reducM m lenninated in [eHam a¢umslan¢s.And.Maximum line amount is 575o,mo I(your Mrre icon the markN far sale at the bme nI appli<alion,gnu are not eligible for this oRer.If yourprrpedy is held in Vu61,thts oRer n net apphcable.asanmrefundablef e=ofh7 5sN llb echargMforconsideralinnnftrosl gopertia.etc iao,HELO N4005 1114 SanlarNCr llank,lie iu11s`u&:ffl-1 awhelhr,—d suMdury nllfanm5andMe¢5A W011 SanlanMr Page 1 o(1 Nank.u A I"re"'er and.m llm—m.urt bam nuns nl nanm�amainl.r.5 A ni m aumam,�. unwe Or'odar.,�n iro ulm.n vlam,am mlrl.nnrl'", 1681715597 Financial S6mmary Statement Period THELMA J ZIMMERMAN BARBARA A ZIMMERMAN Deposit Accounts Account Number , Average Daily Balance Current Balance r. STATEMENT SAVINGS 1684007139 $2,541.27 $2,541,29 Total Deposits $23.283.01 SANTANDER PREMIER CHECKING Statement Period 12/22/13- 1 THELMA J ZIMMERMAN- Account# 168171SS97 BARBARA A ZIMMERMAN Balances rz�`e`�`,a.kg,,,.c „o-�.,::,.t>u,'.�.,,..., 'Y,x.207d�`.,37>s �LBaianC.t''.... '' "??r sEbz,& �:`:,,:✓� z Rc1.:. �1�.i Da osits/Credits +50.35 Avera eDai Balance $20,741,54 WilfldfSwa. ItS.'^.'`"" , ri,.F:*.�.�'.. :F itr';yta rS'3i ,.i Di00 r 3. �::<.'::? ;=',§,.>w:v.-. ., es":'�.i� �, t n x+,,: hu, " .: •.i -: Interest Earned this Period $0.18 Paid Last Year S2.25 Rak! The interest earned and the interest paid may differ dep ending on when interest is credited to your account Account Activity Date Description Additions- Subtractions Balance 12.22 Be innin Balance $20,741.37 121,23 l STCREDIT EROP.t712 201870.12/ 9201 DI-21 INTEREST CREDIT FROM 122612013 70 01/192014 $0.18 520,741.72 . STATEMENT SAVINGS Statement Period 12/22/13- s THELMA J ZIMMERMAN Account It 1684007139 BARBARA A ZIMMERMAN Balances (11[I : aI�hCB H,�. �:mcT",a� .:.:.��a...�:�<..R r3�,�541';�2�r»f:n` nCnMt�aranCk'�y:'•c5 X '.r'.x1,,�� .,y. ,n,:,;..rt,FU...:52i541^�.9 .. De osits/Credits +W06 Average Daily Balance k 52,541.27 Interest Earned this Period $0.05 Paid last Year S 1.06 P eSrTO Date f h T S e 2� z . 5Pt06 d> x , Pn r z T # a t ' • The interest earned and the interest paid may differ depending on when interest is credited to your account. Account Activity Date Description Additions Subtractions Balance 12-22 8 innin Balance 52,541.23 l flt,02 .bay-..z ItTEREST GREfl ;f,ROMit.2/0120b3,70�1s'f3320t3 x,. .e..«:-,�NY M4}•29') 01-21 Ending Balance $2.541.29 Pagr 2 af4 - 1681715397 4o Santander What You Need to Know about Overdrafts and Overdraft Fees Overview An overdraft occurs when you do not have enough money in your account to cover a transaction,but we pay it anyway.We can cover your overdrafts in two different ways: 1 We have standard overdraft practices that come with your account 2. We also offer an overdraft protection plan which allows you to link other accounts such as a savings account or an Easy Access Lim of Credit to cover overdrafts in your checking account This plan may be less expensive than our standard overdraft practices.To learn more,ask us about this plan. This notice explains our standard overdraft practices. What are the standard overdraft practices that come with my account? Santander currently authorizes and pays overdrafts lot the following types of transactions: • Checks and other transactions made using your checking account number Automatic bill payments • Online Banking payments and transfers • Recurring debit card transactions Santander will not authorize and pay overdrafts on the following types of transactions,UNLESS you authorize us to do so: ATM withdrawals and transfers ° One-time debit card transactions 0 We pay overdrafts at our discretion,which means we do not guarantee that we will always authorize and pay any type of transaction,If we do not authorize and pay an overdraft,your transaction will be declined. What fees will 1 be charged if Santander pays an overdraft caused by my ATM or one-time debit transaction? Under our standard overdraft practices: • -We will charge you a fee of up to$35 each time we pay an overdraft.There is a limit of 6 fees per day we can charge you for • overdrawing your account, An additional one-time tee of S35 will be charged on the 6th consecutive business day your account is overdrawn.This charge applies to checking accounts(other than any Premier Checking Accounts),savings and money market savings accounts. m What if I want Santander to authorize and pay overdrafts on my ATM and one-time debit card transactions? It you want us to authorize and pay overdrafts on ATM and one-time debit card transactions,the easiest way to do so is to enroll online in Santander Account Protector by visiting www.santanderbank.comtaccountprotector,You can also call us at 1.877-768.4721,visit your nearest branch or opt-in at any Santander ATM Can 1 change my mind later? if you tell us that we are permitted to pay any overdrafts caused by ATM or one-time debit transactions,you can always change your mind and tell us you no longer want us to do this.You can visit any branch or call us at 1-877768-4721 and tell us you no longer want us to pay these types of overdrafts 4 I'n);r3 af4 1681715597 IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS CALL YOUR CUSTOMER SERVICE CENTER AT THE NUMBER SHOWN ON THE TOP OF YOUR STATEMENT OR WRIT E TO THE BANK FOR DEBIT CARD ISSUES: FOR ALL OTHER ELECTRONIC TRANSFER ISSUES: Santander Bank Santander Bank Attn:Card Disputes Team Attn:Client Relations MAI MB3 02 05 10-421-CRI P.O. Box 831002 P.O.Box 12646 Boston,MA 02283-1002 Reading,PA 19612-2646 Please contact us if you think information about an electronic transfer on your statement or receipt is wrong or if you need additional information about an electronic transfer on the statement or receipt.We must hear from you no later than 60 days after we sent you the FIRST statement on which the error appeared. •Tell us your name and account number. •Describe the electronic transfer error or the electronic transfer that •Tell us the dollar amount of the suspected error, you are unsure about and explain as clearly as you can why you believe there is an error or why you need further information. if you tell us orally,we may require you to send your complaint or question in writing within 10 business days. We will promptly investigate the matter and call or write to you with an answer within 10 business days.If we need more time,we may take up to 45 days to Investigate your complaint or question.If we do,we will credit your account within this 10-day period for the amount you think is in error,so you will have the use of the money during the time it takes us to complete our investigation.If we ask you to put your compla int or question in writing and we do not receive it within 10 business days,we may choose not to credit your account. For errors involving new accounts,point of sate purchases or foreign transactions,we may take up to 90 days to investigate your complaint or question.For new accounts,we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results of our investigation within 3 business days after completing our investigation.If we decide there was no error,we will send you a written explanation.You may ask for copies of the documents we used in our investigation. IN CASE OF ERRORS OR QUESTIONS ABOUT OTHER TRANSACTIONS ON YOUR STATEMENT You must contact us within thirty(30)days after you receive your statement if you think a transaction;other than an electronic transfer,shown on your statement is wrong or if you need more information about the transaction. You may contact your nearest branch or our Customer Contact Center at 877-768-2265.Customers with hearing impairments may call 800.428-9121(1T/FDD).We will investigate your dispute and tell you the results of that investigation. Page 4 of0 1481715597 4o Santander Statement Period 11/22/13 TO 12/21113 SANTANDER PREMIER CHECKING For your convenience our Customer Contact Center is available from 7 am-8 pm EST.7 days a week Call us at 1-877.768-1143. MSBG110021223095109U0001179002-1000 Hearing impaired may call 1-800.428.9121(TY/ITD). www.san landerba n k.com THELMA 1 ZIMMERMAN BARBARA A ZIMMERMAN 0000 211 N 19TH ST CAMP HILL PA 17011-3926 7021 • During this holiday season, all of us at Santander thank you for your business. Wishing you holiday joy, and a new year that brings a bank for your all your ideas to life. ideas" i^.-12L S ml FWrAJn narmnh.rMNa..lrtl,..me0,wm�.rd llaiKO$mmkr,5n n)OIJSmadv eln < / 1n 0+ .nnR+n�>•.1.,.amw,m.m,�u,.ao.e,,,.rnn„.n1mm.,.sn�..,nn,rc � R 1681715597 Financial Summary Statement Period 11/22/13- 12121/13 THELMAI ZIMMERMAN BARBARA A ZIMMERMAN Deposit Accounts Account Number Average Daily Balance Current Balance :v v. •�•• W J EJH�.M L `{ ,�}' fgH.m'::FY' F 2 STATEMENT SAVINGS 1684007139 $2,541.21 $2,541.23 Total Deposits $23.282.60 .SANTANDER PREMIER.CHECKING. Statement Period 11/22/13- 12/21/13 THELMAI ZIMMERMAN Account# 1681715597 BARBARA A ZIMMERMAN Balances De osits/Credits +$0.00 Avera a Da i Balance $20.940.92 - thtlrawalslDdBlli€tro F, .rr£+>�`�a>&^,.�: }x :`3'-mr.3",.E46050 " c.:... ...,.if '' z,�n ;t,`'.F$> ; ^rM n`.�st;3;., s. '•�..;.s.n," i':S Interest IN7*111RPentla-:r f"`�"�+,--^rrrr xmmn ,"� 'c ,.f0.00 r<:, �".y nr •mc^: < Earned this Period SD.17 - Paid Fast Year 12.02 -. AW}�Td-DaiR 1e$ ",,I:r' .x` s r: 'f" t x 7 7y� nµ""` r ,:._.: .;1 .F*x" f<s`:s . .' -s,. 8^f`. _ : >1.:, . .�.,., :�` r•F.. 3''t; The interest earned and the interest paid may differ depending on when interest h credited to your account. Checks Posted Check If Date Paid Amount Reference - I Check(s)Posted=S460.50 An(E)indicates check was converted to an electronic item. Account Activity Date Description Additions Subtractions Balance 11-22 Beginning Balance $21.201.87 ?a12=05 ,£ts"NXi?{QNWIDE-3iAC31'd1A Ck1ECKPfaYMt73220455001h '.F: z"'e 450650.>a „:?' $207A 11$7,;; 1221 Ending Balance 520.741.37 STATEMENT SAVINGS Statement Period 11/22/13- 12121113 THELMA/ZIMMERMAN Account# 1684007139 BARBARA A ZIMMERMAN Balances t 8e'ifi•15f :BaWnt�'��.. �„:,�;:..�r:5"';'�as;.>°"F' �25A719s?;.aGunent;6?Iance.v u''a°,.n, � ,a,x�i:rr<�, . ��:T..«. ;r$�;Sdis23' Deposits/Credits +50.06 Average Daily Balance $2,541.21 .. .< .„a:�o-. .. �?. f >rsexS $O OOt�,: mr Y� � ♦ 2.f” ' ?i"1aE <b;ix3�, , .s:,..a`,r r c is°. Interest �:Patd¢hts�entid' ¢r. 5s. � � :��" , :X00 .: ,.,Annua`lPeicenla�eS'Tr~Td�amcrmi�"3`:s .a>d >�:as,:f ,.,,13.03%> Earned this Period $0.07 Paid last Year S 13.67 •The interest earned and the interest paid may differ depending on when interest is credited to your account. Pnee 2 ofd 1681715597 Santander i Account Activity Date Description Additions Subtractions Balance 11-22 Be inning Balance S2,541 A 7 12-2 1 Ending Balance $2,541�23 What You Need to Know about Overdrafts and Overdraft Fees Overview An overdraft occurs when you do not have enough money in your account to cover a transaction,but we pay it anyway We can cover your overdrafts in two different ways I We have standard overdraft practices that come with your account 2 We also offer an overdraft protection plan which allows you to link other accounts such as a savings account or an Easy Access Line of Credit to cover overdrafts in your checking account This plan may be less expenstive than our standard overdraft practices To learn more,ask us about this plan This notice explains our standard overdraft practices. What are the standard overdraft practices that come with my account? Santander currently authorizes and pays overdrafts for the following types of transactions: Checks and other transactions made using your checking account number Automatic bill payments Online Banking payments and transfers Recurring debit card hansactorns Santander will not authorize and pay overdrafts on the following types of transactions,UNLESS you authorize us to do so ATM withdrawals and transters One-time debit card transactions We pay overdrafts at our discretion,which means we do not guarantee that we will always authorize and pay any type of transaction.If we do not authorize and pay an overdraft,your transaction will be declirsed� What fees will I be charged if Santander pays an overdraft caused by my ATM or one-time debit transaction? Under our standard overdraft pra(tices: We will charge you a fee of up to$35 each time we pay an overdraft.There is a limit of 6 fees per day we can charge you for overdrawing your account. An additional one-time fee of$35 will be charged on the 6th consecutive business day your account is overdrawn This charge applies to checking accounts(other than any Premier Checking Accounts),savings and money market savings accounts. What if I want Santander to authorize and pay overdrafts on my ATM and one-time debit card transactions? If you want us to authorize and pay overdrafts on ATM and one-time debit card transactions,the easiest way to do so is to enroll online in Santander Account Protector by visiting www santanderbank.com/accour)tprotector You can also call US at 1-877-768-4721,visit your nearest branch or opt-in at any Santander ATM Can I change my mind later? If you tell us that we are permitted to pay any overdrafts caused by ATM or one-time debit transactions,you can always change your mind and tell us you no longer want us to do this You can visit any branch or call us at 1-877-768-4721 and tell us you no longer want us to pay these types of overdrafts, Pagz 3 of 4 1681715597 IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS CALL YOUR CUSTOMER SERVICE CENTER AT THE NUMBER SHOWN ON THE TOP OF YOUR STATEMENT OR WRITE TO THE BANK FOR DEBIT CARD ISSUES FOR ALL OTHER ELECTRONIC TRANSFER ISSUES: Santander Bank Santander Bank Alm Card Disputes Team AI Client Relations MAI M83 02 05 10-421-CR1 P.O.Box 831002 P.O.Box 12646 Boston,MA 02283-1002 Reading,PA 1 961 2-2 64 6 Please contact us if you think information about an electronic transfer on your statement or receipt is wrong or if you need additional information about an electronic transfer on the statement or receipt We must hear from you no later than 60 days after we sent you the FIRST statement on which the error appeared •Tell us your name and account number. •Describe the electronic transfer error or the electronic transfer that •Tell us the dollar amount of the suspected error. you are unsure about and explain as clearly as you can why you believe there is an error or why you need further information. If you tell us orally,we may require you to send your complaint or question in writing within 10 business days. We will promptly investigate the matter and call or write to you with an answer within 10 business days.If we need more time,we may take up to 45 days to investigate your complaint or question If we do,we will credit your account within this 10-day period for the amount you think is in error,so you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days,we may choose not to credit your account. For errors involving new accounts,point of sale purchases or foreign transactions,we may take up to 90 days to investigate your complaint or question. For new accounts,we may take up to 20 business days to credit your account for the amount you think a In error. We will tell you the results of our investigation within 3 business days after completing our investigation. If we decide there was no error,we will send you a written explanation.You may ask for copies of the documents we used in our investigation. IN CASE OF ERRORS OR QUESTIONS ABOUT OTHER TRANSACTIONS ON YOUR STATEMENT You must contact us within thirty(30)days after you receive your statement if you think a transaction,other than an electronic transfer,shown on your statement is wrong or it you need more information about the transaction. You may contact your nearest branch or our Customer Contact Center at 877-768-2265.Customers with hearing impairments may call 800-428-9121 (TTY/TDD) We will investigate your dispute and tell you the results of that investigation Page of 1681715597 4o Santander Statement Period 10/22/13 TO 11/21/13 SANTANDER PREMIER CHECKING For your convenience our Customer Contact Center is available from 7 am-8 pm EST.7 days a week Call us at 1-877-768-1143. MSBGI IAF011122072004-00002452-003-1100 Hearing impaired may call 1-800-428-9121(TTY/fFD). w .santanderbank.com THELMA I ZIMMERMAN BARBARA A ZIMMERMAN 1000 211 N19TH ST 7021 CAMP HILL PA 17011-3926 r Not every idea needs a bank. We're here for the ones that do. Let's talk today. 4 Santander L a bank for your ideas' IIIOY.M NY.M IM1 $-r, O .11A h WF l fW....i I M-fOr wx 1, H, dBarko S+m>a.r,S A =13 S.e Pn eIo 5 ewa.11A P.nanM ad a.bloc m71Y urlM a B.sa+amn.sn�wawwo. '� f u`Fw`w oMi4'.n..o IM UmM Sear m4„Iw mnln 1681715597 r -I Simplify Your IRA Investment Strategy Rollover Consolidate your assets into a single IRA account and receive up to$125'as a thank L you.You'll also get: • Personal guidance-from start to finish we're with you. • Investment options-a broad range of products provides Flexible options. • Ease of monitoring-one statement that helps you stay on track. It's simply brilliant.Call your Santander branch office and ask to speak to a Financial Consultant. .u,.«..-r..a,.n...m+e;«a<L.r..-fw r .e...:....:.•.I-�.a..rt.zer a.....e v-••v...e�-..e......,. �,�e!tlF'..-m -.h^1Pnc•:.W.e.N..e••Y-,.,-a 1.•..i..i.a Nri v'1:':<n..•i�.,.ilnn-r.:e-IF.-.tf. _4 v.Ig15+/Ass"..w.!'gy.r:e..m�....:a.w+:J�•..'•1.W11., .+ .•nn�....r lYM• Santander .l.l::•:Ilgn VI. h+1:1:MIHiL pill.:eNHJYJ,:I:II(r F/,ra •Il . nn.n4:y ulvw a+mlmn.x:.r _i _IrJwa_mnm „_ INVESTMENT SERVICES •pµf MMrvaF 4•rr14.1:( r ae; 1000 L CASH BACK J APPLY TODAY. SPEND$1000 AND GET$100 CASH BACK a it rrn.inm•wrnlw.r i�m�{.plolmrMMlf `C81I1-877-768-2265 V Visita local branch L:lGotohttp://apply.santanderbank.com/promotions/spherewi.asp Period Financial Summary Statement 1 rHELMA J ZIMMERMAN BARBARA A ZIMMERMAN Deposit Accounts Account Number Average Daily Balance Current Balance SANT�R P.Rkfi ti:CH CKING"�"�" °'""` """°"�16 7955977 7 `-` ". V21:20i 70'4 ' 421 STATEMENT SAVINGS 1684007139 S2,541.14 52,541.17 Total Deposits $23,743.04 Poge 2 of 5 1581715597 5AWANDER PREMIER CHECKING Statement Period 10/22/13- 11/21/13 THELMA JZtMMERMAN Account#1681715397 BARBARA A ZIMMERMAN Balances Deposits/Credits +$0.18 Average Dail Balance $21,20170 Wlkdta9va&iDe itz�r 3$0,04• ` Interest �+arc$2h �`end5'? 0'Y %x;'. Earned this Period $0.18 Paid Last Year $202 The interest earned and the interest paid may differ depending on when interest is credited to your account. Account Activity N Date Description Additions subtractions Balance 10-22 Be innin Balance $21,201.69 7. 14 ER S�CI .p3TER'k7 02 u;13tD1119l2013 •> $Q.$8-i! ;1 2t,20187.! 0 11-21 Ending Balance $21.201.87 STATEMENT SAVINGS Statement 0 Period , 7NELMAJ2IMMERMAN Account# 1684007139 - BARBARA A ZIMMERMAN 8 Balances De osits/Credits +S0.06 Average Daily Balance $2,541 14 RgN ° Interest l'faid"ath Petrol'1 ., s: 006 1`rtnual percedUge,Yre(d Famed Earned this Period $006 Paid Last Year $13.67 ,-Pa[tf:Y - 'The Interest earned and the interest paid may differ depending on when interest is credited to your account. Account Activity Date Description Additions subtractions Balance 10-2 2 Beginning Balance $2,541.11 11-0'4^. ;INTt=Et�STCRED3TsF'RCiM10/03f24S3T01(1%3112013�'�'�� $006:: i 2,541.17'rf 11-21 Ending Balance $2.541 17 Pue¢3 of5 ,6RJ715S07 What You Need to Know about Overdrafts and Overdraft Fees Overview An overdraft occurs when you do not have enough money in your account to cover a transaction,but we pay it anyway.We can cover your overdrafts in two different ways I. We have standard overdraft practices that come with your account 2. We also offer an overdraft protection plan which allows you to link other accounts such as a savings account or an Easy Access Line of Credit to cover overdrafts in your checking account.This plan may be less expensive than our standard overdraft practices.To learn more,ask us about this plan. This notice explains our standard overdraft practices. What are the standard overdraft practices that come with my account? Santander currently authorizes and pays overdrafts for the following types of transactions: • Checks and other transactions made using your checking account number • Automatic bill payments • Online Banking payments and transfers • Recurring debit card transactions Santander will not authorize and pay overdrafts on the following types of transactions,UNLESS you authorize us to do so: • ATM withdrawals and transfers • One-time debit card transactions We pay overdrafts at our discretion,which means we do not-guarantee that we will always authorize and pay any type of transaction.If we do not authorize and pay an overdraft,your transaction will be declined. What fees will I be charged if Santander pays an overdraft caused by my ATM or one-time debit transaction? Under our standard overdraft practices. • We will charge you a fee of up to$35 each time we pay an overdraft.There is a limit of 6 fees per day we can charge you for overdrawing your account. • An additional one-time fee of 435 will be charged on the 6th consecutive business day your account is overdrawn.This charge applies to checking accounts(other than any Premier Checking Accounts),savings and money market savings accounts. What if I want Santander to authorize and pay overdrafts on my ATM and one-time debit card transactions? If you want us to authorize and pay overdrafts on ATM and one-time debit card transactions,the easiest way to do so is to enroll online in Santander Account Protector by visiting www.santanderbank.c-om/accountprotector.You can also call us at 1-877-768-4721,visit your nearest branch or opt-in at any Santander ATM. Can I change my mind later? If you tell us that we are permitted to pay any overdrafts caused by ATM or one-time debit transactions,you can always change your mind and tell us you no longer want us to do thus.You can visit any branch or call us at 1-877-768-4721 and tell us you no longer want us to pay these types of overdrafts. Page 4 of 5 1681715597 IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS CALL YOUR CUSTOMER SERVICE CENTER AT THE NUMBER SHOWN ON THE TOP OF YOUR STATEMENT OR WRITE TO THE BANK FOR DEBIT CARD ISSUES: FOR ALL OTHER ELECTRONIC TRANSFER ISSUES: Santander Bank Santander Bank Attn:Card Disputes Team Attn:Client Relations MAI M B3 02 05 10-421-CR 1 P.O.Box 831002 P.O.Box 12646 Boston,MA 02283-1002 Reading,PA 19612-2646 Please contact us if you think information about an electronic transfer on your statement or receipt is wrong or if you need additional information about an electronic transfer on the statement or receipt.We must hear from you no later than 60 days after we sent you the FIRST statement on which the error appeared. •Tell us your name and account number.- •Describe the electronic transfer error or the electronic transfer that •Tell us the dollar amount of the suspected error. you are unsure about and explain as clearly as you can why you believe there is an error or why you need further information. If you tell us orally,we may require you to send your complaint or question in writing within 10 business days. It We will promptly investigate the matter and call or write to you with an answer within 10 business days.If we need more time,we may take up 2 to 45 days to investigate your complaint or question.If we do,we will credit your account within this 10-day period for the amount you think is in cerror,so you will have the use of the money during the time it takes us to complete our investigation.If we ask you to put your complaint or question in writing and we do not receive it within 10 business days,we may choose not to credit your account. oFor errors involving new accounts,point of sale purchases or foreign transactions,we may take up to 90 days to investigate your complaint or g$ question.For new accounts,we may take up to 20 business days to credit your account for the amount you think is in error. 8 We will tell you the results of our investigation within 3 business days after completing our investigation.If we decide there was no error,we will send you a written explanation.You may ask for copies of the documents we used in our investigation. 8 IN CASE OF ERRORS OR QUESTIONS ABOUT OTHER TRANSACTIONS ON YOUR STATEMENT You must contact us within thirty(30)days after you receive your statement if you think a transaction,other than an electronic transfer,shown on your statement K wrong or if you need more information about the transaction. You may contact your nearest branch or our Customer Contact Center at 877-768-2265.Customers with hearing impairments may call $R 800-428-9121 (TTY/TDO).We will investigate your dispute and tell you the results of that investigation. Page 5 n/5 1691715597 I Statement Period 09/22/13 TO 10/21/13 SANTANDER PREMIER CHECKING For your convenience our Customer Contact Center is available from 7 am-8 pm EST,7 days a week Call us at 1-877-768-1143. MSBGIIAF01102207089MWO1755o 2-11 W Hearing impaired may call 1-800-428-9121 (TTYMD). www.santanderbank com THELMA J ZIMMERMAN BARBARA A ZIMMERMAN 1000 211 N19TH ST 7021 CAMP HILL PA 17011-3926 r Not every idea needs a bank. 3 We're here for the ones that do. L J Let's talk today. Santander a bank for yourideas —7 nlw.en rvu>a tall _ Sanlatvler NmF,NA,, MemSerrlNC aMawbMlrtwmtl a.b,diary.1 Nnai Lnlaid¢S A 020115-1lmrr Pant NA AnlaMm AM115lMla m9ra and irMemaAa 1#ItanmSmuinle[SA 1.11 alWa PnQel nfJ -' tnn.tiaM,a,�IM U M 11a111 arvd,ih,m„ro„a - m.+ 1681715597 Financial Summary Statement Period 1 • 1 THELMA J ZLMMERMAN BARBARA A ZLMMERMAN Deposit Accounts Account Number Average Daily Balance Current Balance '"sAN7ANDF,R,PREM{ER(CHEGKINti'. '.� r "FF M tf' .`F <a 16 1+)75597 2 r' - "'N^?;f2:1.2U 52 f STATEMENT SAVINGS 1684007139 $2,541.08 12,541.11 Total Deposits $23,742.00 SANTANDER r• 1 THELMAI ZLMMERMAN Account k 1681715597 BARBARA A ZLMMERMAN Balances �;$eglnniriq,�alanc_r,"e::::.°'%,� x�."��".`.�^�`M.�;',`.::s"�.��Z7��'�4 ��CunemBaGnce:T H; s � ..r .sum r•-�r".�'�:.='x .`�511;20t;69>.; De�its/Credils +50.3$ Average Dailx Balance $21,201.52 F :�. Interest rPSa;ih5;�eriddx"; " x..' ',' x'>.; ' ?s,2 ''i`"`.�?3033 Earned this Period $0.17 Paid last Year 52.02 - IP+Tft3':YWY Tb,Da18,_.:._:s..ra-. C��F:: .....,.4`x.�:,"�`..,tt`..Xa[::5:5"0'f:.: • The interest earned and the interest paid may differ depending on when interest is credited to your account. Account Activity Date Description Additions Subtractions Balance 09-22 Be Ft b923 i n O M 521,201.34 5- E 20152a, 10-21 INTEREST CREDIT FROM 0920/2013 TO 10/192013 50.17 521,201.69 STATEMENT SAVINGS Statement Period r• 1 THELMAI ZLMMERMAN -Account 0 1684007139 BARBARA A ZLMMERMAN Balances Deposits/Credits +10.09 Average Daily Balance 52,541.08 3 VVf hdr&Wals/Debits-,' g+fi;,ss:z a:L.aiM n nl`.:'Y::.,. r. S ?rx.,,.•SO 00*k;X� ,Y . l�. ."&:.. ,� .os Interest Earned this Period 50.06 Paid Last Year 573.67 y:P2'idl'2GY Td DailwY„* s":, r:.saa p vnN --:t-- S.rc -r-;4105 F LL ri • The,interest earned and the interest paid may differ depending on when interest is credited to your account. Account Activity Date- Description Additions Subtractions Balance 09-22 Be innin Balance $2,541.02 10-21 Ending Balance - 52.541.11 Page 2 of 4 - 1481715597 Santander What You Need to Know about Overdrafts and Overdraft Fees overview An overdraft occurs when you do not have enough money in your account to cover a transaction,but we pay it anyway.We can cover your overdrafts in two different ways: I We have standard overdraft practices that come with your account 2. We also offer an overdraft protection plan which allows you to link other accounts such as a savings account or an Easy Access Line of Credit to cover overdrafts in your checking account.This plan may be less expensive than our standard overdraft practices.To learn more,ask us about this plan. This notice explains our standard overdraft practices. What are the standard overdraft practices that come with my account? Santander currently authorizes and pays overdrafts for the following types of transactions: • Checks and other transactions made using your checking account number • Automatic bill payments • Online Banking payments and transfers • Recurring debit card transactions m Santander will not authorize and pay overdrafts on the following types of transactions, UNLESS you authorize us to do so: T • ATM withdrawals and transfers • One-time debit card transactions We pay overdrafts at our discretion,which means we do not guarantee that we will always authorize and pay any type of transaction.If we do S not authorize and pay an overdraft,your transaction will be declined. What fees will 1 be charged if Santander pays an overdraft caused by my ATM or one-time debit transaction? Under our standard overdraft practices: 8 $ We will charge you a fee of up to$35 each time we pay an overdraft.There is a limit of 6 fees per day we can charge you for overdrawing your account. $ • An additional one-time fee of$35 will be charged on the 6th consecutive business day your account is overdrawn.This charge $ applies to checking accounts(other than any Premier Checking Accounts),savings and money market savings accounts. What if I want Santander to authorize and pay overdrafts on my ATM and one-time debit card transactions? Q If you want us to authorize and pay overdrafts on ATM and one-time debit card transactions,the easiest way to do so is to enroll online in 8 Santander Account Protector by visiting www.santanderbank.com/accountprotector.You can also call us at 1-877-768-4721,visit your nearest branch or opt-in at any Santander ATM. Can I change my mind later? If you tell us that we are permitted to pay any overdrafts caused by ATM or one-time debit transactions,you can always change your mind and tell us you no longer want us to do this You can visit any branch or call us at 1-877-768-4721 and tell us you no longer want us to pay these types of overdrafts Page3 nf 1681715597 IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS CALL YOUR CUSTOMER SERVICE CENTER AT THE NUMBER SHOWN ON THE TOP OF YOUR STATEMENT OR WRITE TO THE BANK FOR DEBIT CARD ISSUES FOR ALL OTHER ELECTRONIC TRANSFER ISSUES: Santander Bank Santander Bank Aim Card Disputes Team Atln:Client Relations MAI MB3 02 05 10-421-CR1 P.O.Box 831002 PO Box 12646 Boston,MA 02283-1002 Reading,PA 19612-2646 Please contact us if you think information about an electronic transfer on your statement or receipt is wrong or if you need additional information about an electronic transfer on the statement or receipt.We must hear from you no later than 60 days after we sent you the FIRST statement on which the error appeared. •Tell us your name and account number •Describe the electronic transfer error or the electronic transfer that •Tell us the dollar amount of the suspected error you are unsure about and explain as clearly as you can why you believe there is an error or why you need further information If you tell us orally,we may require you to send your complaint or question in writing within 10 business days. We will promptly investigate the matter and call or write to you with an answer within 10 business days.If we need more time,we may take up to 45 days to investigate your complaint or question. If we do,we will credit your account within this 10-day period for the amount you think is in error,so you will have the use of the money during the time it takes us to complete our investigation.If we ask you to put your complaint or question in writing and we do not receive it within 10 business days,we may choose not to credit your account. For errors involving new accounts,point of sale purchases or foreign transactions,we may take up to 90 days to investigate your complaint or question For new accounts,we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results of our investigation within 3 business days after completing our investigation.If we decide there was no error,we will send you a written explanation.You may ask for copies of the documents we used in our investigation. IN CASE OF ERRORS OR QUESTIONS ABOUT OTHER TRANSACTIONS ON YOUR STATEMENT You must contact us within thirty(30)days after you receive your statement if you think a transaction,other than an electronic transfer,shown on your statement is wrong or if you need more information about the transaction You may contact your nearest branch or our Customer Contact Center at 877-768-2265.Customers with hearing impairments may call 800-428-9121 (TTY/FDD).We will investigate your dispute and tell you the results of that investigation. Page 4 of 4 1681775597 Sovereign 4&P Santa nder Statement Period 08/22/13 TO 09121/13 PREMIER CHECKING For your convenience our Customer Contact Center is available from 7 am-8 pm EST,7 days a week. Call us at 1-877-768-1143. Hearing impaired may call 1-800428-9121 (TTY/TDD). www.Bove re ignban k.com 00000190 MSBR3778092 01 1000 1000 THELMA J ZIMMERMAN 70210 BARBARA A ZIMMERMAN 211 N 19TH ST 1800007866 CAMP HILL PA 17011-3926 AN EARLY START, 529 A BRIGHTER FUTURE. COLLEGE 0 SAVINGS PLAN A 529 College Savings Plan is designed to help you --- "--_—--- - -- invest for higher education expenses. 0 0 0 oTake a moment to review the combination of features this state sponsored plan has to offer. 0 ? •Professionally managed investments •Earnings grow tax-deferred• •Anyone can invert on a child's behalf 3 m co A w I ASK HOW SANTANDER INVESTMENTS SERVICES CAN HELP YOU REACH YOUR GOALS. Cal 0 v n santanderinvestments.com 19 Visit a Sovereign branch o_ v 'Earnings arelmdree JUSetl for qualilled eduealion expense. SIPCald andadvisory servrtesmeoffered lhmarie, amm l,hmOgh Sntandes,edivision of Santander SeSes LLC.Santanderdesreat LtCisalegrmi berate Taler.MembaratNAAand SIPC ands Aegislered lnvestmem AMlsor.Inswameis ollered lhroogh Santander Si LlC Or its affiliates,l ' anlifnl,cet Se, itiedceas funds or tagxor legaladvia.lhe lax and esla @planning inlormatidn iso'f_ untended to be lepa> ax addec antl is metal inwwre.Intlividuals sbould.eeV mlessional advice belorebanslenin e.1a/akin disbibu. Bone Mduuam[le mxv.,el 1 PERSON f PERSON TRANSFERS One of many Online Banking features X10L Transfer funds from your Sovereign personal checking account to another Sovereign customer's personal checking account One of many enhancements now available to help you bank better. F-1 Visit sovemignbank.com/login.Log into Online Banking to access this feature 17935 f3p9PPEA Swncgr Bank,N A is a fai I nIL antl a wfiolry—ed wLV day of Basco Sadmdrv,5 A ran D115wmmr, BaM,NA ISoverelg l and Smdadi*aid its logo ae regslemd hied aAS Of Swnngn Bark.N A and page/of4 fy.R� B.'mrn lalama.SA rezce%h.elv.anw.,nuhanz m zehzidzenzin the tanned Steles as ena ewmnez 1681715597 Financial Summary Statement Period 1' 19 THELMA J ZIMMERMAN BARBARA A ZIMMERMAN , Deposit Accounts Account Number Average Daily Balance Current Balance STATEMENT SAVINGS 1684007139 $2,540.98 $2,541.02 Total Deposits $23,742.36 PREMIER CHECKING Statement Period 1: 19 THELMA J ZIMMERMAN Account If 1681715597 BARBARA A ZIMMERMAN Balances Be osits/Credits +$0.00 Average Dail Balance $21,201.34 a o Interest 0 0 0 o Earned this Period $0.18 Paid Last Year $2.02 b ��.. 0 $ "The interest earned and the interest paid may differ depending on when interest is credited to your account. b Account Activity Date Description Additions Subtractions Balance b 08-22 Beginning Balance $21,201.34 _ w— ' V t 3 m A Period 1: 19 v v a . THELMA J ZIMMERMAN Account#1684007139 b BARBARA A ZIMMERMAN . Balances m Deposits/Credits +$0.11 Avera a DaB Balance $2,540.98 Interest Earned this Period $0.11 Paid Last Year $13.67 "The interest earned and the interest paid may differ depending on when interest is credited to your account. . Account Activity Date Description Additions Subtractions Balance 08-22 Beginning Balance $2,540.91 - 09-21 Ending Balance $2,541.02 page 2 of 4 1681715597 Sovereign I Santandef What You Need to Know about Overdrafts and Overdraft Fees Overview Aar overdrafl ocaus when you to not have enough mosey in your account to cover a transaction,hat we pay it anyway.We can Cava your ovcdrafts in two diifacut ways: I. We have standard overdraft practices that come with your account 2. We also offer an overdraft protection plan which allows you to link other accounts such as a savings account or an Ferny Access Line of Credit to Cover overdrafts in your checking account.This plan may be lessexpensive than our standard overdraft practices.To learn more,ask its About this plan. This notice explains our standard overdraft practices. What are the standard overdraft practices that come with my account? Sovereign currently authorizes and pays overdrafts for due following types of transactions: • Checks and other transactions made using your checking account number • Automatic bill payments • Online Banking payments and transfers • Recurring debit cod transactions Sovernign will not authorize and pay overdrn0s on the following types of transactions,UNLPSS you authorize its to do an: • ATM withdrawalsmat transfers • One-lime debit card transactions 0 We pay overdrafts at our discretion,which means we do not nnnrnntce First we will always authorize and pay any type of transaction,If we do not o auth m ize and pay an overdraft,your transaction will be declined. 0 ofp What(errs will I be charged it Sovrrcign pays an overdraft caused by my ATM or one-time debit transaction? rj Under out standard overdtan praciecs: • We will charge you a fee of up to$35 each time we pay an ovctdrafl.There is a limit of 6 fees per day we can charge you for overdrawing your ¢ accomd. w,e • An additional onetime fee of$3S will be charged on the 6th consecutive business day your Account is overdrawn.This charge applies to .checking accounts(Other than any premier Checking Accounts),savings and money market savings accounts 0 w What if I want Sovereign to authorize and pay overdrafts on my ATM and one-time debit card transactions? if you want us to authoize and pay overdrafts oil ATM and one-time debit calls bansxditurn fire easiest way to do so is to enroll crime in Sovereign C> Account Projector by visiting www.sovcreigrrbank.comrnecnanipfoetior.You can also call its at 1-877-768-4721,visit your mares branch or opt-in at t any Sovereign ATM. W Can I change my mind later? M If yon tell its that we ate permitted to pay any overdrafts caused by ATM or onetime debit transactions,you can always change your mind and tell its you v eve longer want us to do this.You can visit any branch or callus tit 1.877-768-4721 And ten us you no longer want its to pay these rypcs of ovcrdrafis. N b r n OF) s page.?djd 1691711cn7 IN CASE,OF ERRORS OR QUESTIONS ABOUT YOUR F,LECTRONIC TRANSFERS CALLYOUR CUSTOMER SFRVICE CENTC•R AT Till;NUMBER SHOWN ON THE TOP OF YOUR STATEMENT OR WRITE TO THE BANK FOR DEBIT CARD ISSUES: FOR ALL OTHER ELECTRONIC TRANSFER ISSUES: Sovereign Bank Sovereign Bank Alm:Card Disputes Team Attn:Client Relations MAI MB3 02 05 10-421-CRI P.O.Box 831002 P.O.Box 12646 Boston,MA 02283-1002 Reading,PA 19612-2646 Please contact its if you think information about an electronic transfer on your statement or receipt is wronger if you need additional information about an electronic transfer on the statement or receipt. We must heat from you no later than 60 days after we sent you the FIRST statement on which the error appeared. • Tell its your name and account number. •Describe The electronic transfer error of the electronic transfer that you are unsure about and • Tell us(he dollar amount of the suspected error. explain as clearly as you can why you believe[here is an error or why you need further infomation. If you tell its orally,we may require you to send your complaint or question in writing within 10 business days. We will promptly investigate the matter and call or write to you with an answet within 10 busincsa days.If we need more time,we may take up to 45 days to investigate your complain[or question.if we do,we will cedit your account within(his 10-day period for the amount you think is in error,W you will have a use of the money during The little it takes its to complete our investigation.If we ask you to put your complaint or question in writing and we do not receive it within 10 business days,we may choose not to credit your account. For errors involving new accounts,point of sale purchascs or foreign transactions,we may lake up to 90 days to investigate your complaint or question.For new accounts,we may lake up to 2D business days to credu your account for the amount you think is in error. We will tell you the results of our investigation within 3 business days after completing our investigation.If we decide there was no error,we will o send yon a written explanation.You may ask for copies of the documents we used in our investigation. 0 0 °o IN CASE OF ERRORS OR QUESTIONS ABOUT OTHER TRANSACTIONS ON YOUR STATEMENT ° You must contact its within thirty(30)days alter you receive your statement if you think a transaction,other than an electronic transfer,shown on cyour statement is wrong or if you need more information about The transaction. 0 W You may contact out neatest branch or our Cu aomcr Contact Center at 877-SOV-BANK. Customers with hearing impairments may call V 800-428-9121 (TTY?DD). We will investigate your dispute and tell you the results of Ihol investigation. b 0 0 a b 0 0 a 3 co m p V V O t0 N b n m page 4 of 1691715597 Sovereign �9 Statement Period 07122113 TO 08/21/13 PREMIER CHECKING For your convenience our Customer Contact Center is available from 7 am-8 pm EST,7 days a week. Call us at 1-877-768-1143. Hearing impaired may call 1-80OA28-9121 (TTY/TDD). 00001452 MSBR3778082 Oi 0000 www.sovereignbank.com THELMA J ZIMMERMAN 0000 BARBARA A ZIMMERMAN 70210 211 N 19TH ST CAMP HILL PA 17011-3926 1800007866 0 0 0 A Hello . N We want to tell you that we're w changing our name to Santander. 0 0 0 a 0 N 3 m u a We are preparing to change our name on October 17. But you don't have to do a thing. N On October 17,Sovereign Bank,N.A.will change Its name to Santander Bank,N.A.But nothing about your account will change. o Your account numbers,checks,PINs/passwords,ATM and debit cards,direct deposit,BillPay and automatic transfers will all stay the r- same.You can continue to bank as usual without interruption. n QD w •1. Exciting news. WS official. More reasons to bank Santander is coming. New name,new logo, with Santander. new look, new commitment. New products and services. To stay informed about the name change and upcoming news,please visit www.sovereignbank.com/namechange �N Sovereign ^ lyr Ivry of Nann(a"'.xnMv_Sa OJIIIY�inr sr'.,a l! .....�iyn an;tml.x uM.rrv'mnrlr.x"']nrnd'r,.mrrwl,rA Sn.mrrr Nanl,Iln nrnlnarrrn Gi.ranrM�t ri,n.vv.o rnrxall brnrn whsli.vm.rn llirlln rnl Niiralrvf ollrm cmi an, Srncag 13rk.N A Is a Mem rnlr,ald a Wally owned w09da of 13-vD Saimft.S of J[11)SwrrnT I1mM,Nn SaveeelT and Sanfartlm end Ib l090 ae roTSlnvad IrOprmaAS nlSwoelglOmF,NA aId page]of 5 m.'xID rr�ncnsa,la�ea.sn rMn�lrodr.nr nonr�afnnar:n,olm9nnn,..rn fm unn,.n sfan.am mor..>rlrnl,- rco rorccn+ Financial Summary Statement Period 1 1' THELMA J ZIMMERMAN BARBARA A ZIMMERMAN Deposit Accounts Account Number Average Daily Balance Current Balance STATEMENT SAVINGS 1684007139 $2,540.87 $2,540.91 Total Deposits $23,742.25 PREMIER CHECKING Statement Period 1 1: THELMA J ZIMMERMAN Account If 1681715597 BARBARA A ZIMMERMAN Balances n lIR Deposits/Credits +$0.36 Avera eDail Balance $21,219.55 Itiidr al6/DA _ 275. o Interest 0 0 N Earned this Period $0.18 Paid Last Year $2.02 ° k4 dYearvTo`-D _ 1'55 0 The interest earned and the interest paid may differ depending on when interest is credited to your account. 6 Checks Posted o Check It Date Paid Amount Reference Check It Date Paid Amount Reference 0 b -- - 0 y°r 2 Check(s)Posted=$275.76 An asterisk(')indicates a skip in sequential check numbers. An(E)indicates check was converted to an electronic item. p Account Activity Date Description Additions Subtractions Balance m 07-22 Beginning Balance $21,476.74 b 7-2 - INTERES;C'-C $tl 8 $21;478.3 07-23 NATIONWIDE MUTUACHECKPAYMT130722 $128.70 $21,348.22 C 5499 m {if7-25�CHEC(�OOOa➢OOD§698 5147:06' $21.2QiT18 08-21 IN7 EREST CREDIT FROM 07/20/2013 TO $0.18 $21,201.34 08119/2013 STATEMENT SAVINGS Statement rir�""'$sla $2i�0y�f33� Period 1 1: THELMA J ZIMMERMAN Account It 1684007139 BARBARA A ZIMMERMAN Balances Bela n 1 Deposits/Credits +$0.11 Average Daily Balance $2,540.87 witF7d1ffifvsls715e page 2 of 1681715597 Sovereign Santande Interest Earned this Period $0.11 Paid Last Year $13.67 �V . The interest earned and the interest paid may differ depending on when interest is credited to your account. Account Activity Date Description Additions Subtractions Balance 07-22 Beginning Balance $2,540.80 08-21 Ending Balance $2,540.91 What You Need to Know about Overdrafts and Overdraft Fees Overview An overdraft occurs when you to not have enough money in your account to cover a transaction,but we pay it anyway.We can cover your overdrafts in Iwo different ways: ' 1. We have standard overdraft practices that come with your account 2. We also offer an overdraft protection plan which allows you to link other accounts such as a savings account or an Easy Access Line of Credit to cover overdrafts in your checking account.This plan may be less expensive than our standard overdraft practices.To learn more,ask us about this plan. °o This notice explains our standard overdrafl practices. 0 0 � What are the standard overdraft practices that come with my account? - N Sovereipn currently authorizes and pays overdrafts for the following types of transactions: 0 o • Checks and other transactions made using your checking account number 0 w Automatic bill payments �p • Online Banking payments and transfers o • Recurring debit card transactions 0 Sovereign will not authorim and pay overdmfia on the following types of transactions,UNLESS you authorize its to do so: 0 0 <°n • ATM withdrawals and transfers 3 One-time debit card transactions ,0 We pay overdrafts at our discretion,which means we do nor guarantee that we will always aul horize and pay any type of transaction.If we do not authorize and pry an overdraft,your transaction will be declined. V Go What tees will I he charged if Sovereign pays an overdraft caused by my ATM or one-time debil transaction? , w Under our standard overdraft practices: C? • We will charge you a fee of up to$35 cacti lime we pay an overdrafl.Therc is a limit of fees per(Jay we can charge you for overdrawing your account. (7 An additional one-time fee of$35 will be charged on the 6th consecutive business day your account is overdrawn.'Ihis charge applies to mchecking accounts initial than any Prcmicr Checking Accounts),savings and money market savings accounts. What if I want Sovereign to aulborize,and pay overdrafts on my ATM and one-time debit card transactions? If you want its to authorize and pay overchafls on A'I'M and one-time debit card transactions,the easiest way to do so is to enroll online in Sovereign Account Protector by visiting www.sovereippbank.cot✓accounrerolectot.You can also call its at I-877-768-4721,visit your neatest branch or opt-in at any Sovereign ATM. Co.I change my mind later? If you tell us that we are permitted to pay any overdrafts caused by A M or one-lime debit transactions,you can always change your mind and tell us you no longer want its to do this.You can visit any branch or call its N 1-877-768-4721 and tell its you no longer want us to pay these types of overdrafts. k 1681715597 IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS CALL YOUR CUSTOMER SERVICE CENTER AT THE NUMBER SHOWN ON THE'rOP OF YOUR STATEMENT OR WRITE TO THE BANK FOR DEBIT CARD ISSUES: FOR ALL OTHER ELECTRONIC TRANSFER ISSUES: Sovereign Bank Sovereign Bank Atm:Card Disputes Team Attn:Client Relations MAI M133 02 05 10-421-CRI P.O.Box 831002 P.O.Box 12646 Boston,MA 02283-1002 Reading,PA 19612-2646 Please contact us if you think information about an electronic transfer on your statement or receipt is wrong or if you need additional information about an electronic transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error appeared. • Tell us your name and account number. •Describe the electronic transfer error or the electronic transfer that you arc unsure about and • 'Fell its die dollar amount of the suspected error. explain as clearly as you can why you believe there is an error or why you need further information. If you tell us orally,we may require you to send your complaint or question in writingwithin 10 business days. We will promptly investigate the matter and call or mile to you with an answer within 10 busincss days.If we need more lime,we ma lake up to 45 nt days to investigate your complaint or question.If we do,we will credit your accou within this 10-day period for the annormyou think is in error,so your will have a use of the money during the time d takes us to complete our investigation.If we ask you to put your complaint or question in writing and we do not receive it within 10 business days,we may choose not to credit your account. For errors involving new accounts,point of sale purchases or foreign transactions,we may take up to 90 days to investigate your complaint or question.For new accounts,we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results of our investigation within 3 business days after completing our investigation.If we decide there was no error,we will p send you a written explanation.You may ask for copies of the documents we used in our investigation. 0 ° IN CASE OF ERRORS OR QUESTIONS ABOUT OTHER TRANSACTIONS ON YOUR STATEWENT A N You must contact us within thirty(30)days after you receive your statement if you think a transaction,other than an electronic transfer,shown on 0o your statement Is wrong or if you need more information about the Imnsaction. 0 C' You m contact yyour neaucst branch or our Customer Contact Center at 877-SOV-RANK. Customers with hearing irnpairmcnts may call 800-4279121(TTY/FDD). We will investigate your dispute and tell you the results of that investigation. 0 0 0 a 0 0 0 N on N W A w w 0 m N O r n 3 m page 4 of 5 1691715597 Sovereign 7xalu t au�a�ux 6498 eweuu w awrn�ux cW:iu:nM i�m�� 14-7 9ove7rJgu Bang C2313726941; L9817 115 597e 5498y 000014706! FA 28 cT12�ST-� II111P� 7tD ... . e at L k G �'. : . .. )091 Y - zAc0 6 1681715597 #5498 07/25/13 $147.06 0 0 a 0 A N N O O O W W N O O O O N O O O N 3 m A w V V O O N O_ n } .Yt � Sovereign Statement Period 06122113 TO 07/21/13 PREMIER CHECKING For your convenience our Customer Contact Center is available from 7 am-8 pm EST,7 days a week. Call us at 1-877-768-1143. Hearing impaired may call 1-800-428-9121 (TTYITDD). www.Bove reignbank.com 00001491 MSBR3778072 01 1000 THELMA J ZIMMERMAN 1000 70210 BARBARA A ZIMMERMAN 211 N 19TH ST 1800007866 CAMP HILL PA 17011-3926 Help the Environment and Stay Organized Go Paperless . See how easy it is to: J • View your statements online at anytime from anywhere • Access up to 25 months of personal deposit statements • Download or print your statements Simply go to sovereignbank.com, login to Online Banking and follow these 3 steps: Choose "Statements" from 2 Choose "Paperless" for 3 Click "Continue", the "Accounts" menu then the desired accounts confirm your selection, click on the paperless banner and you're done. Not an Online Banking customer?Sign up today at sovereignbank.com/enroll 1307PAPE LOT; Sovrinrgr Bad.N n rt,M11W,roll;aln a Mrolly nvnmd wevmav m ua 1,5111-011.5 n 9 JU1 J Gnre rry, Bad,NT 1 Sw cra,d Sanl.TMr Andnil�8o rreSlnMlralrmIDkS nl Smm i.Bad NA:nd page/of6 Mir" . r ,rSA �w�ntiNV.nr1.1,idld.alivarmlma—��d,r.w,r,d Slu':ald an.,,—10 % 168171559-1 INFORMATION 1 YOUR 1 Currently, your Premier Checking account's monthly fee of $30 is waived when you have a combined balance of $20,000 or more in checking, savings, money market savings, CDs, IRAs, certain loans and line of credit accounts or if you have an investment account at Santander Investment Services. Beginning September 5, 2013, you must have a combined minimum balance of $20,000 or more to avoid the monthly fee, and the actual balance in any investment held in your brokerage account at Santander Investment Services as of the last business day of the prior calendar month, along with your loan and deposit balances, will be counted as part of the $20,000 minimum balance requirement to waive the monthly fee on your Premier Checking account.` If you have any questions or want help moving your investment account to our brokerage platform, please contact your Financial Consultant today at your local branch. QVisit your local branch Q santanderinvestments.com Oo 'NOltnnlydapmlM the rnrrLimrl Aalaivr are ihr lMbxbq:mnlgagr MOm u,drn bm+:nnMl rnd balamn uinrrcuNly+te+al bam aM Imes nlnnFl nsuNMlln Card Tnri[eS,NA;Ihr 00 Vnu1[d rplgri d aM SMnI'gn nMil IiM,aMl r:vMnl dNOlpam ablamM IMdgh aNm,Mie de8ni. Sn,nilin md aMwy wren arnllmrd W1a rTamaah+Immlmrm 5"adimbn isanlaMn TKndlin ll(.TaaMndtn Tnurilin ll(narlVli{InnN Molrkraln,Mrmhn rlNfl�aM TIP( as .amla Nnp�mM mxnlmem Mvxa.lm,vaxr nnlinrd iMapN SanMMn Snuitn liCaih 111doln Financial Summary Statement Period 06/22/13 - 07/21/13 t0 0 w a, 0 0 0 N O O THELMA J ZIMMERMAN N BARBARA A ZIMMERMAN m A Deposit Accounts Account Number Average Daily Balance Current Balance V O ^� STATEMENT SAVINGS 1684007179 $2,540.77 $2,540.80 0 Total Deposits $24,017.54 PREMIER CHECKING Statement m Period 1. 1 THELMA J ZIMMERMAN Account#1681715597 BARBARA A ZIMMERMAN Balances �Begihhfng -lance 21 24 i 7:'.Nriont IIGe Deposils/Credits +$0.00 Average Daily Balance $21.512.92 Wifhdrawal§7Debitst$- '$6550�'�''''r1a'ii Interest ;Paid this Po . :c,-• Earned this Period $0.18 Paid Last Year $2.02 ,Paid Year-To-Date ,' ,•, c."*.Peals"•7$1119ry, ai-'fir-j'$yt;;'+�='+'r3�.rak w,rn;%1A`$1 ' .'+df, :z�' ,ci�9":°3L3y,f,1'�f 'The interest earned and the interest paid may differ depending on when interest is credited to your account. Page 2 oj6 1687715597 Sovereign I • Checks Posted Check# Date Paid Amount Reference _Check# Date Paid Amount Reference �$q��'•"�"�°- $'�8. 97187 005 t 5422'� —0710 17:611 _ - 910-0811 0-08110 2 Check(s)Posted=$65.50 An asterisk(')indicates a skip in sequential check numbers. An(E)indicates check was converted to an electronic item. Account Activity Date Description Additions Subtractions Balance 06-22 Beginning Balance $21,542.24 107-05-"CHKKOI)0000005422' --- _- $7.00 $21,535.24 0709 CHECK 000000005421 $58.50 $21,476.74 L,OR21-'Ending_B51a"nce- - - I .. - . I I , .. . I . - ` " $21,476.74 STATEMENT SAVINGS Statement Period 1. 1 THELMA J ZIMMERMAN Account#1684007139 BARBARA A ZIMMERMAN Balances egmning Balhnice, _ _ - _ .70 Current galancii 2, F4 1.80 Deposits/Credits +$0.10 Average Daily Balance $2,540.77 $ lWllhdr.1walslDebils - � 40.00 0 0 Interest o a d tMs nod- MID' XrU1UaTr8rC en age eld Eamed 5`�1 u Earned this Period $0.10 Paid Last Year $13.67 ° laid Year4o=Dale -- ' - - $0.74 - I o 'The interest earned and the interest paid may differ depending on when interest is credited to your accounl. 0 $ Account Activity 0 o Dale Description Additions Subtractions Balance m 06-22 Beginning Balance $2,540.70 3 07-02_INTEREST CREDIT FROM 0610112013 TO - - - - $0.10 $2,540.80 - 06/,1012013 w 07-21 Ending Balance $2,540.60 V V O V N O r l7 3 m N IN F page 3 of 6 1(,81715597 What You Need to Know about Overdrafts and Overdraft Dees Overview An ovndmll uccIts when von to not Inve cItough na+ney in yont account to COV(I a Ilansnd inn,hit Nye pav it Invway.We can covet veto ovcldl ills in Two din fn em wsys: I. We have standard overdraft practices Illal come with vnur acconnl 2. We al sn offet an overdrarl protection plan which allows you to link olltcl accaluls such as a savings acconnl oI in fasv Access I.inc.of Credit to cover oveldraITS I your chucking acconnl.'I his plan Time be Iess expensive Thorn oul snmlald ova lL all pl acnces.To kale Inure,a,ek us nhoul this plan. Ibis nolicc explains our sIna rd ovenlrafl practices. What are the standard overdraft practices Ihat come with me acconnl? Sovemilon c ITT'otllp mnlmlucs and lines ovcldm RS foI IhC following types of I nn samelIs: Chccksand olhcl Transactions made using yen,checkingaccounl nunlhcl • Anronmtic bill payments • Online Banking pnvmcnlsand lrnnsfcl's • Reaming dchil cmd nansaclions Sove Telco will not nmholire and pnv ovcldlafts on the following Types of Itansaclions,I INI ISS you nulllnlire its to Jo see A I M .yhlulrawals and I islcls • One-Title dchil cmd 11a11mclions We pay overdrafs it our disnclion,which means we Jo nolguaram cc Iha we will ahvays antholim and pas anv lylw ohransaction.If we do not o°o anlhorizc and pay lrn ovetdMll,void Transaction will he declined. 0 P What fees will I Ac charged if Sovereign Imvs an overdraft caused by my A'IM or one-time debit transaction? `D Undu our standard overdraft practices: °0 We will chatgc von a fee of up to$35 each tittle we pay an oveldla0.'Thee is a lintil of fees pet dye we Carl chalice volt lot o rcrehawing von) O acconnl. w ° It An addilional one-lime fee of$35 will he elmrged on the 6111 eonseculive business day vour account is ovadtawu.This chage applies In checking accounts(other than anv Premier Checking Accounts),savings aul looney market savings reenacts. 0 ° What if I want Sovereign to authorize and pay overdrafts on my AI M and one-lime debil card hernsactions? o If you want us to authof ize and pay ovadra0s on A M and one-linoe dchil call transactions,the casical wav m do so is to enroll online in Sovemign mAccount I'mleelor by visiting www_over_ci�obank.eoutraecoonlprplecla.Yen can also call ns it 1-%77-7611-4721,visit vour nenresl blanch of opt- in m any Sovereign AfM. m m Can 1 change my mind later? A If you fell us that we are PC[u milled to pay any overdralis caused by A'I'M of one-linen dchil transactions,you con always change your noind and tell us you On to longct wall its to do This.You call visit any branch oI call ns it I-877-765-4721 and Ie11 ns Von oo Ingo want its to pay Ihese Ivies of nveltharlls. 0 V N O r 0 W page 4 of 6 1681715 597 Sovereign IN CASE 01'ERRORS 012 QUES[70NS A130UT YOUR FlEGIRONIC TRANSFERS CALL YOUR CUS'F0MFR SERVICE CANTER At 1111;NUMBER SHOWN ON"f1IF TOP OF YOUR STA]FMIIN"I"OR WRI"I'F.10'1111:1 BANK FOR DIIRIT CARD ISSULS: FOR Alf 0'1'IIPR ELFC'I'RUNIC'I RANSFER ISSIJFS: Soveicign Bank Somcig[i Bank Alln:Card Disputes ream Ann'Client Rclntions MAI MB3 0205 10-421-CRI P.O.Box 831002 P.O.Box 12646 Roston,MA 02283-1002 Reading,PA 19612-2646 Please contact its if you think inlot Oration about alt c1ccIronic transfer oil your slatculcul nl receipt Is wrong 111 If You need additional information about 811 electronic transfer oil Ille slalcniel1 or rccClpl. We inust Bear tom you no later iliali 60 days allct we sent you tire FIRS"I"stalemenl on which the Cunt appealed, • [ell us your name and account number. .Describe hhc cleclmnic nnnsfcr error of the cicclronic Imnsfer Thal you arc unsafe above nnA • 'fell its the dollar amount of the stispectul error. explain as clearly as you call why Vol]believe Ihcic is an error or why you[Iced hurhcr ill onnalion. If you tell us orally,we may require you to send ymu complainl or question in writing within 10 busincss days We will promptly investigate Ole mother and call or Write to you with an answer within 10 business days.If we need more line,we nla take up to 45 days to invesllgahe your complaint or question.If we do,we will credit your account within This 10-day pmiod for the amounl you think is in error,so Vol,will have the use of the money during the time d takes its to complete out invcstigahon.If we ask you to put-Your complaint or question in writing and we do nor¢celve it wihin 10 business days,we niay choose 1101 to credil your acconnl.For errors involving new accounts,point of sale 1mrchases or foreign transactions,we may take tip to 90 days to investigate you[complainl or question.For new accounts,we may lake up to 21)business days to ncdit your account for the amount you Ihiuk is in error. We will tell you the results of our iuvcshigalion within J busincss days a0cr completing out investigation.If we decide Ibcre was no error,we will send you a written explanation.You may ask for copies of the documents we used In our iin,cmigzhon. IN CASE,OF F,RRORS OR QIJES'I'IONS AEOU'I-O fl'IER 7RANSAC'I IONS ON YOUR S'I ATEMFNT You nest contact us within thirty(30)days aher you receive your stataneld if you think a transaction,other than an Cleclronic IralISRO,shown on Your statement is wrong of if you need alone infonnahon allow the iriu auction. '- You may contact our nearest branch or our Customer Contact Center al 877-' t 877 -BANK. Customers will homing inipaiunails may call 800-428-7121(7" YlfDD). We will investigate your Alspwe anA let you the results of that investigation. .j a 7 0 n 4 0 pape 5 of 6 1687715597 THEWA J.ZIMMENNAN THFlMI.3 LYYEPYIIH ,�,nu BAHBHPP0.LM4fEFMAN 5421 BIJIBAMA9YMENWN 5422 ••"•�ommont�a�+ --� E J�Qi � p!T i E 7�' m 6overeign llanit m BRDM ,:2313 2694: l6R lit5597o•54 f[IOROOO SR Sd' .:23137269 U: t6R l7l 597M 5422 3 a;asia raati aea Nil mIIIIIaINI1EIIIE1116111 Him 1�11A @ � .13190 0010 001767,39. '8 511, 1681715597 #5421 07/09113 $58.50 T 1681715597 #5422 07105/13 $7.00 0 0 0 o_ A U) O O O W A m 0 0 0 0 m 0 0 0 m 3 W A w V V !P O V N O r n W page 6 of 6 1681715597 Sovereign Statement Period 05122/13 TO 06/21/13 PREMIER CHECKING For your convenience our Customer Contact Center is available from 7 am-8 pm EST,7 days a week. Call us at 1-877-768-1143. Hearing impaired may call 1-800-428-9121 (TTY/TDD). www.sovere ignba nk.com 00000190 MSBR3778062 01 0000 THELMA J ZIMMERMAN 0000 BARBARA A ZIMMERMAN 70210 211 N 19TH ST 1800007866 CAMP HILL PA 17011-3926 Wherever you go. \ 0 We go. o It's that simple. Easy and secure Mobile Banking, ap V DOWNLOAD IT TODAY. g ci- ° A a (n m A w V m 04, Os fA Q 0 n View Account Balances Transfer Funds Pay Bills Anywhere Locate Branches/ATMs 3 m You most be in d1el tl in Sovereign Online Banking and have logged in at least once in omer to use Mobile Banking. WeM1 dttMS k nrerk-01n am MMilr @nVin9 hula nlrs nuy aply.11xik wilM1 ymu urvlo•pander lot delalk nl sptli(lens and cnanrrs. Apple,De AWID ImondiDFOrre are aademarksof Anne Ine,onleneJ to the uS.and oliorennlrml App Son,b a enroll¢marl al Apple Ire.Ali idIsa¢adalkvkal Grrglem(-SpsilI Eank rInes nnl an o lsda,acyNU anli, ury third early earis 1,serve,Ipearnaldn Is p'r,a!apn hwrl alnvn the lhinl panes Wal err rva A li.,n I Wllr 9anmi0n Bank and are solnly rrVorciNs Innhnu p,1I Is amt wiwe, lV971 e•ANID is nn Z REWARD POINTS GETS RIGHT for every dollar you spend on purchases' TO THE POINTS. ❑ Call 1,877.769.2265 Q stop by ^ Visit Sovereign Branch sovereignbank.com ar rLe lrnwumnrM1r A¢n rM1atpu wnleam 1pnr lwrdnllar N2997 I1065CCV Swmngr Dank,N A is a Memnm FDIC aid a Wrnlry earned sibvday of inner,So nlaraer S n n 7012 Soi—an hark,N A l9offeiron-it fSa laid.seld.151ogo ac . reslesed laMmaks of Scenrin Fares.N A ad page/of4 fen—lalenda.Sn m 11 M 11an—danaraa In, 1681715597 * PREMIER MORTGAGE NOTICE As a Premier cistomei, currently you are eligihle.for a 0.125%' interest rate discount with e-Pay,OF certain mortgages.This exclusive offer is only effective on a111'dicatiom received before August 3, 2013.After August 3, 2013,you are eligihle for$500" off your mortgage dosing costs. Talk with a mortgage professional to take advantage of the rate discount while it lasts. 0 Visit your local branch 11 1.877.768.2265 Q sovereignbank.com o ,..........f,.,,i•.,- nlmnmli n.nama. !1., fa,4. t.111i t F111. I I...I,t I.t'IIM1' I,.i 11 n,ou el ,I ii4mb 1,1,1 W.. ,f.,f.1l1 tilt I.. I' iiA51'.I `^ .e I..,n l.i:„•,n .,linlixl rc ,I I ., , .MCI" I.0 ry .. I 'r., I'.,'�/, M�tl ^n .... cni .a I _��.i.'iii- IM .,..,",I,.n 'I.. I nu.i, ,l I...u��. nrar.l •yr., nr l ,t + �A t.,.ln F,.. 1 slv� ."ate. 1 r1n •t, '.I;ne .ill .r. .�I.. N•,5-9n Period 0• 1HELMA J ZIMMERMAN BARBARA A ZIMMERMAN Deposit Accounts Account Number Average Daily Balance Current Balance RM o STATEMENT SAVINGS 1684007139 $2,540.88 $2,540.70 Total Deposits $24,082.94 0 0 0 0 v Period /• A O ° ?li MIA J ZIMMERMAN Account#16817'5597 NO BARBARA A ZIMMERMAN 0 0 z Balances r niin a�d6 "a^ � s ;!-x v t.,�. 2 De sits/Credits +$0.18 " Ave ra aDaily Balance $21,672.65 > m f1 � ar m o Interest - ;laid this perxid,*'„ '�." � ;'Z`7 " 6% s Earned this Period $0.18 Paid Last Year $202 'The interest earned and the interest paid may differ depending on when interest is credited to your account. Checks Posted Check# Date Paid Amount Reference Check# Date Paid Amount Reference �*�492"�< x" X'""a 1'06/0')t%+r4r z.,r$'Z5$'6��s�ti)ATkSMNIDE't31U1DFi 1 Check{s}Posted=$253.00 An asterisk{'}indicates a skip in sequential check numbers. An{E}indicates check was converted to an electronic item. Account Activity Dale Description Additions Subtractions Balance 05-22 Beginning Balance $21.795.06 08-07 NAfiKNWIDEk#C47tfA�H CPA?M1130G0'S '< ' r $263 NS $2114225 Lsa 549 ..` x -'1- .. Xg r,,:e4;�} , - x: r . c,� . s ;✓ 3s e„ ° ,fi r, ,..v:.: . e Y ( r'4 06 121 INTEREST CREDIT FROM 05/20/2013 10 $0.18 $21,542.24 0611912013 _ page 2 of 1681715597 Sovereign IN STATEMENT SAVINGS Statement .. 0. THELMA J ZIMMERMAN Account#1684007139 BARBARA A ZIMMERMAN Balances De sits/Credits +$0.11 Averarie Dail Balance $2,540.66 _. �:'' `y� ,^?s :v� v t ;;Y i,?,N3Ss i °y -?3.,1 .,u'a.""in'. .k MR, Interest Earned this Period $0.11 Paid Last Yeary $13.67 'The interest earned and the interest paid may differ depending on when interest is credited to your account Account Activity Date Description Additions Subtractions Balance 05-22 Beginning Balance $2,540.59 _ " s �2N, i � ", ` � w a�ce` �R�D 0 06-21 Ending Balance $2,540.70 b O o What You Need to Know about Overdrafts and Overdraft Fees 6 0 0o Overview - °",� An overdraft occurs when you to nor have enough money in you[account to cover a transaction,but we pay it anyway.We can cover your overdrafts in Y, lwodiffetcrdways: 0 °w I. We have standard overdraft practices that come with your account 0 2. We also offer an overdraft protection plan which allows you to link other accounts such as a savings account or an Easy Access Line of 0b Credit to cover overdrafts in your checking account.This plan may be less cxpcnsivc than our standard overdraft practices.To]earn more,ask us about this plan. ro This notice explains our standard overdraft practices. 77 What are the standard overdraft practices that come with my aveount? o Sovereign currently authorizes and pays overdrafts for the following types oftransaetions: m 6 • Checks and other transactions made using your checking account number • Automatic bill payments I n Ordinc Banking payments and tramfcrs $ • Recurring debit card transactions m Sovereign will not authorize and pay overdrafts on the following types of transactions,IJNLI;SS ywn anthorizc us to do so: ACM withdrawals and transfers • One-time debit card transactions We pay overdrafts al our discretion,which means we do not nuamntec that we will always authorize and pay any lype of transaction.if we do and authorize and pay an overdraft,your transaction will he declined. What fees will I be charged if Sovereign pays an overdraft earned by my AT or onetime debit transaction? Under our standard overdraft practices: • We will charge you a fee of up to$35 each line we pay an overdraft.There isa limit of fees per day we can charge you for overdrawing your account. • Air additional onctinx fee of$.35 will be charged on the Nit consecutive business day your account isoverchawn.This charge applios to checking accounts(other than any Premict Checking Accounts),savings and money market savings accounts. What it 1 want Sovereign to authorize and pay overdrafts on my ATM and one-lime debit card transactions? If you want us to authorize and pay overdrafts on AT and one-time debit cant hansadions,the easiest way to do so is to enroll nature in Sovereign Account Protector by visiting www.sovereienbank.wn>.'accountrrofedoc You can also sett us at I-877-768-4723,visit your neotest branch of opt-in at any Sovereign AIM. Can 1 change my mind later? If you tell us that we are permilted to pay any overdrals caused by ATM or one time debit transactions,you can always change your mind and tell us you no]anger warn us to do this.You can visit any husnah or call us at 1-877-768-4721 and tell us you no longer want us to pay these types of overdrafts. page$of 7681715597 IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS CALL YOUR CUSTOMER SE•RVICEE CFNTER AT Ti IE NUMBER SI[OWN ON]HE I OP OF YOUR STATEMENT OR W RITE 1'O THE RANK FOR DFBIT CARD ISSUES: FOR ALL OTFIER ELECTRONIC;TRANSFER ISSUES: Sovereign Batik Sovcrcusn Rank Attn:Card Oisptucs Team Attn:Client Relations MAI MB3 0205 10-421-CRI P.O.Box 831002 P.O.Box 12646 Roston,MA 02283-1002 Reading,PA 196122646 Please carrier its if yet,drink information about an electronic transfer on your sancmnR or receipt is wrong orif you need additional information about an electronic transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the cnor appeared. • Dell us your mmne and account number. •Describe the electronic transfer error or the electronic transfer that you arc unsure about and • Tell its the dollar amount of the suspected caul. explain as clearly as you can why you believe there man error or why you need further mtormation. If you sell its orally,we may require you to send your complaint or question in writing within 10 business days. We will promptly investigate the matter and call or write to you with an answet within 10 business days.If we need more time,we map take up le 45 days to investr to your complaint or question,If we do,we will credit your account within this 10-day period for the amouniyou think is in error,so You will have the use of the mmrry during the now it takes us to complete our investigation.If we ask you to put your complaint or question in writing and we do not Iceme it within 10 business days,we may choose not to credit your account. For errors involving new accounts,point of sale ppurchases or foreign transactions,we may take up to 90 days to investigate your complaint or question.For new accounts,we may take tut to 20 business days to credit your account for the amount you think is in error. We will felt you the results of out investigation within 3 business days aficr completing our investigation If we decide there was no error,we will p� send you a written explanation.You may ask for copies of the documents we used in our investigation, 0 o IN CASE OF ERRORS OR QUESTIONS AI301JT OTHER TRANSACTIONS ON YOUR STATEMENT rb ° You must contact as within thirty(30)days after you receive your statement if you think a hansaction,other than an electronic transfer,shown on b your statement is wrong or if you need more information about he transaction. s7 °w You may contact your neatest branch or our Customer Contact Center at 87'7-SOV-RANK. Customers with hearing impairments may call �i 800-428-9121(T'I YffDD). We will investigate your dispute and tell you the lestdisof that investigation. b 0 0 A O 9 O F� to m W V V O N b C= W page Aojd 1681775597 Sovereign Interest lPald thrs P.e ' .10 Annua orcanlaQO�(ied EameJt�t{a^sr Ys#00 '+i� Earned(his Period $0.10 Paid Last Year $13.67 �Pa3d.Yo3r-7a0elo' sf�5ia{^�tlilC"ItR'1ifa1p�S053R��g44St`(}� .r�.�sres'y.�•c;�s�,�= r = •ram r`7` `The interest earned and the interest paid may differ depending on when interest is credited to your accouni. Account Activity Dale Description Additions Subtractions Balance 04-22 Beginning Balance $2.540.49 05A2 INTEREST CREDIT 5 3 70 - 04/3012013 `» "^9f• :I,I 1 f5'R ti7M' i -.i., rY+ ieti: ;, r$2540.5($ i y 05.21 Ending Balance $2540.59 What Ynu Need to Know abuul Overdrafl5 unit Overdraft Feet; Overview An overdtan wmts warn ymr to not have crmugir itwncy in yorn Accmurt io cover a transaction,bill we Pay it anyway.We call cover ymu nvculralls ill two diffcicol rvnvs: I. We lmwc standard overdraft June IIces Thal collie wish your account 2. We atso offct no overdraft protection plan which allows yon to link other socmats vxh asa savinp_taccolmt man Busy Access ianc or. Credit to cover ovetdiAlis in ynnt checking accoinll,This plan may he less exponsivc Phan con xlandaid ovetdl nn porlices.To Inm more,ask I s about this plan. 0 o This nntirc explains one standard overdraft practices. 0 0 1Vtraf are Ihr standard avrrdrari practices that come with my account? SOVacign cnrrmtly nnlh0rizes and pays ovQdl A AS for the following lypcs of 11 nn5aeliolm b 00 C.hecksand other transactions muds nsingyout ehockingaccomo nonuber w Antontatic bill paynxnts 0 ro Online Banking payntcnts and transici5 bo • Rccnn ing dehit card Mantas!ions 0 W Savareige will riot aullrol ize mid pny overdrafts oa tits following tykes of Itansaetims,UNIdiSS Vol,nuihotin:its to da so: 0 a m ATM wiifidmwals and nanslms W • One-link debit card itiomtclions A We Illy 0vnihaps nt out discictioo,which nicaas we ikt not pnntAnice chat we will always anthoeile and pay any lypc of naiigciinn.Itwc do Itai I natimrim nod pay an overdraft,your unnsacfion will he dccliacd. m N R'hal fees will t be Charged if sovereign pays an ovrrtlrnfl rnusrA by my A'I'M or one-lime debtl transaction? bUudcr nut slnndaid ovothail pmoices: • We will shape yim a fee 6174111 to$15 each time we pay All aveidmtt.There is A tioni of 6 I'm per day we call charge you far overdrawing yet,, ncconitl. • An addilional one-time fee of S.15 will tic eimrged on the hill conscanive huvilwss day your Account is ovmdrawn.'ISlis charge applies 10 to checking acconnls tolhct than any Ptemicl Checking Accounlst,savings and money rim kel savings acraunls. What if I want Sovereign to auihar?ac god flay overdrafts on my ATM and one-time debit card n iransartinns? If volt want Its in x111110,ivc mid Iray ovadtaffs on At still cerdirrte dchii emd hanxtctinrw,flic easiest way to der so is to email ouboc its SovcicirJ, Acemun 14oteclol h visitio 6 www.v.somc_i dinn cmccoul ti ech .You ci any$0vel cigl ATM. ___.- _. — p n also,nil us a I-977-7fi%4721,visit yarn ncmrsl Munch m os- in nl ('an I change my mind Later? Irvin,fell us drat we ate ixunined so pay any avcufrahscaitsed by A"]M or 011c-tints dchii unnsactimis,yrou can aiwnys rhnngr ymn mind and it'll in vnu 110 linger wAnl vs m do this,Yon ran visit any bench or-all ns at 1.977-769.4721 and tell is m.,no longm Waal ux In Inv These Max of.vndrafts. rh IN (:ASI;01:1:RROIZSOI?Q(jl:S-1'1()NSA13()I.I-I-YOI.11t ('.Al.I.YoUlt(:t)S'I'OMI:RSI:ItVl('.I;(:I:N'11;1I AT I; 10111C BANK FOR DEBUCARD 1,SSUES: FOR Al,l,(,Yl HER 1:1 I;CJ*R0NI('TRANSIzI:R ISSUES: So"Cleign Hank Sawteip,Bank Am,:Clitl Disjmw,I'mil Attn:Climl Itchlions MA NII13 02 0 10.4214 AU 11,0.Ilex%11002 P.Q.Pox 12646 Rosh...,MA 02283-1002 RrMlillr-PA 19612.7646 Pkasl,contact us if von think mfollmilinn aboloall vkclionic Ilau'rel an voin stair......if or Icccipi is wrong of if von whom In elcot I'll it Imnsr6 oil I Ile smicincol of tccci)A, We it In q lient final vmioo 1,11ri I Ivitt604hysarici we sell[you'l lie FIRST sifticinctil on wl I id I I Ile cool • )VII Its Von,mine mutaccouto lull"Itcl- •Dmi the Ike cicrfwoic trallsfia mot 01 111c Circtlonic Imnsfe,Illat you ate nusille'hoto and • 101 os ibcdoll.11 mnomo offlic susivel"i Clint. X1,41in 350,.Illv ns v.1.call-.01y You helim Illew is an root of Qw you m"I findles in 'Tillaflon, IfY,mlell ns orally,we Any mplitcyou lo send-vow Col"I•l.1411 In'Imcstioll ill writing within 10busillemsdays. We will jumoply invvuigatc the amumand call ot waitc to vemi with anansWrl within 10 business daps.Ifllc,lcc,l olow linn',wr may take till to 45 dws in inv"q, It,"Inn Complaint of glue 11"Vedo llc'vvill cmdil voin accooto within this 10-djy lwti,-1 rot the anumunyou think is ill 6soi,st, Von will have 11y"Ir.osv of(tic Inplicl,illitillg1hr little it mics Its u,c"Juploc on,investil"llion.if we ask Von In Inn yam,Coulpholl or.1nmion ill Wilfiiip, and we it)1101 irccivc it wilbill Itibminess'I"Y's,wr 111,1Y cholisl:not to clutfil yolu.1motoll. Fm ellmA involving new Accounts,Jwinlofsale�Itnclmscs of foleiriv 11.111sictions,W,-may lake uplo 90 days to inv"lipitc vnin complaint in ,liestioll Fm oewaccololN,wc,may lake nplo 2)hos4w.,e;dn"to ciedii yom account rot iltemonoto yon illink is ill cliol.* We will tell Yon the iCqtIt%,ofnil it vvvigifinn within 3 b1lsnjm4bvs.1ACj C011114clingoill investigation.If we ticcide,Iliele was nn ram,we will :cod you a W611c"explanation.Y02 nay ask too copies of iliv do.nimos wr used it,oin inve.mirnoo. IN CASF OF E'RHORS Olt QUESTIONS ABOUT 0`1'1 IER TRANSACTIONS ON YOUR q'ATE1MI-',N-I- You mmm contact i's within 111ifli,130)days.10cl Yon icccivc yon,mmellicul if you thick 11.161saction,0111CI than.111 clecliollic flonsicr,shown on )"I'm mmul I lclkl is mong 01 if vou neo I ninu:Aden 111.1tion abal It I I 1C It 11micilo;C W You may coloul ont mateg branch of our Costotacr Contact Crater:u 877.';()V-RANK. Ossiolacts wish herring impitillents tnav call In Ilia Kill)421.9 121(IlYrf VD), We will iumqiple VI disfinc and tell V�t,file lesulls Orden itweviplioll. C, as to rn O page 4 r,(5 1687715597 , Sovereign 4 antander THELNA A.mum.AN N8aA+'RflR996WARPfTAl4f.0.1GV"gPR T+f.n.'n2ot-n •¢, u /M+J''/ M94ANKd4ORAMfA-PRkM"MnETflMnAvN 1/0:.1u�r emu � 5419 21MMEN JZMMAMAN —111,147 d•11h1i o.n_l Yi=�. Plf ic.l_ M.��_.3.__. .rroAn T—j- (y --j saL. 3— +a�n 6i�ttwt (mt�t J GL _ _ i pn�50.14�=oAU.aa fi t=: Sovereign Dunk *ovemign Banle ei 23 Y 3'72S 914 i58015597-5385 00230001 N,2;L 372691: 168173559 g .*i C:s I 3 sA)x1J'aA36< ��g4-- Ozzrtkan a.nF ggg�'•E 172sT ^.i':'-s Poone: 1X'f•D33-611t \ � o Ao.om/ + 506/2!36 3/A6n013 03J m53:32 1681715597 #5385 05102/13 $200.00 1681715597 #5419 05107/13 $268.50 TMELMA J.2IMMERMAM1z THFLMA J, MERXMN HRMA PMMERMAM $41.7 RMRAMAZMMFJIMAR ZIM $420 O -n/+»ay.rn 2XN.11]�'�' vnmv laaGi U)r✓zt�FUf r �$I I °o o #�Sowzeigu BanK- - *Mwmgn SBnK w w _. o C23337 2691r 168 L7 i5597r54i7 :23337269 L4 L6B 47 i5 97!•54 t0 0 0 N 7, g 1p 3 n .. X. >=3a�5.903bt R�-'pz} ^gyp �' � "� wm:Trfpllrti OUOAfAt3.5 S_ - - Ae3n3lz0u OA:AA:za p 1681715597 #5417 04/30/13 $117,12 1681715597 #5420 05/17/13 $75.00 s -- w ��A J MERMM BRMR 4 A.7JMMERMA {}4 S 9 'r+a:FSTn2"++1')n.»:nm 1/tN•Mf:S/mrt•y•J PP<.,�.n1.�Rmmua. ,xm' � an. 34f3 Sosmzelgn f3anK r77 423L37269h: 168 0 1 5 59 7x5438(/ 99 Xi >031,01046G j9 to i,z00ii=0.fls-'$z xm Xav :1 h•� +0013)66D02 66�11666Az : he 1C M 1661715597 #5418 05103/13 $2327 Sovereign Statement Period 03/22113 TO 04/21/13 PREMIER CHECKING For your convenience our Customer Contact Center is available from 7 am-8 pm EST, 7 days a week. Call us at 1-877-768-1143. Hearing impaired may call 1-800-428-9121 (TTY/TDD). 00001581 MSBR3778042 01 0000 www.cove reignba nk.co m THELMA J ZIMMERMAN 0000 BARBARA A ZIMMERMAN 7 0 21 0 211 N 19TH ST CAMP HILL PA 17011-3926 1800007866 START ` HELPING YOU ACHIEVE YOUR GOALS AT EVERY TURN. o BUILD 0 o i PLAN YOUR FINANCIAL FUTURE 6 N SANTANDER WITH PERSONALIZED GUIDANCE. INVESTMENT SERVICES % Stop by your local branch to talk to one of our Financial Consultants and start m planning today. m S PLAN AND PROTECT m �] Visit vvww.santanderinvestments.com 0 n ti o RETIRE � (7 m IN VF.9 M[N15FFVICFS II `.Mb 1 IIC...mi I 11 M I.W,IA nM INM I I n xl Pmimm�uqn m nMp _ � ° I I nsv nl I I n xln n i mlLt, •.y I1 J.n4, Iv , .,n uv n u,rai. Consolidating bills or completing needed home improvements— Two smart ways to use your home's equity.A Flext-ock° Home Equity Line of Credit offers a choice of repayment options.Plus,the interest you pay may be tax deductible' r For details on how we can het p you save,call us today at 1-877-4-SOV-LOAN. tiovr Nqi l3.Tk,N/,i'.M."'.Ftlll:.t:,lawl,oll^uvn i,IJ.:,1n:Llyallla r, mJr: \A�%01% I1.k A TSov '..i:tl SanldnJp gntl its ingon icgilr:r:I lidJrm.n Na nlSrva mnw1 � �page 1() S I:mrn Ga:, :In'.S ttPnc,vA :r:vn llaii.N/,at:1.V' :°t'4Rri v.w lFni alGl reme M1cuia::rvn:Ibr lln:rvL�I,M n.rvnl nlAn nm,nra� 1181715597 Financial Summary Statement Period ! ! THELMA J ZIMMERMAN BARBARA A ZIMMERMAN Deposit Accounts Account Number Average Daily Balance Current Balance PITMIEP H STATEMENT SAVINGS 1684007139 $2,540.45 $2.540.49 Total Deposits $25,019.06 PREMIER CHECKING Statement Period ! i+ THELMAJ ZIMMERMAN Account M 1681715597 BARBARA A ZIMMERMAN Balances 'Begi-nni a-Balance $2$.35+1.77T CCuneni Ba ance $ 2.478.5 Deposits/Credits +$410.05 Average Daily Balance $23.763.62 ithdrawaki'Debits } -S3,285.65,' .I o Interest gIPP7adh'*��wF' - O00 Annual Fereenta9a feM E�"a nt ed O.t}1T3'a'� Earned this Period $0.21 Paid Last Year $2.02 c IPaid Year-To-Date - $0.63 - 'Z The interest earned and the interest paid may differ depending on when inleresl is credited to your account. w w b Checks Posted ° Check# Date Paid Amount Reference Check It pate Paid Amount Reference 0 0 can 2 Cheek(s)Posted=$3,255.65 3 An asterisk(')indicates a skip in sequential check numbers. An(E)indicates check was converted to an electronic item. p Account Activity w � Date Description Additions Subtractions Balance c 03-22 Beginning Balance $25.354.17 N i 03-26 -MONTHLY MAINTENANCE FEE FOR PRIOR PERIOD - - - - '$30.00 - - $25,324.17 ° 03-28 REFUND-MONTHLY MAINTENANCE FEE FOR $30.00 $25.354.17 PRIOR PERIOD 2013.43-28 3 104-05"CHECK 000000065383 -. . - - - $3:100.00 $22,254.17 m 04-08 DEPOSIT $380.05 $22,634.22 '.04- 00 VHAUL$110S55'PURCHASE 1304095384 ... - - .r ., V55.65; $22,478.57 04-21 Ending Balance $22,478.57 STATEMENT SAVIN6S Statement a• 1 1 THELMA J ZIMMERMAN Account It 1684007139 BARBARA A ZIMMERMAN Balances " 'Begr�nneinq Balance- � .$2,54D'�8�.'�'Currer;F$a'(anee Deposils/Credits +$0.11 Average Daily Balance $2,540.45 `VithdrawalslDebils $0.00 Page 7 of 5 1681715597 Sovereigzi �� Interest ��?� a S .11 a.•... Annual 8rrsn aue Yfo"Td Eame i. c•0 05%Y Earned This Period $0,1 I Paid Last Year $13.67 !PaidYear=To=Oates''t',' A'aJ' ;S. R:$0:43?1'ad:','!: ,ii#Ya-iulNi +3i;k�4* i .9l6C�f!'*�i=<k?rt! �'- `�T 'tiaT ' •:.1 `The interest earned and the interest paid may cities depending on when interest is credited to your accotmi. Account Activity Dale Description Additions Subtractions Balance 03-22 Beginning Balance $2,540,38 X04-0 2,$.iNTEi2t;8TCREDffFR(kT0310t/20i3T0�"+,f ,{ F� - t .�t $2540.49 0 313 172 0 1 3 WAM r i 04.21 Ending Balance $2,54049 What You Need hi Know about Overdrafls and Overdraft Fees Overview An ovardra0 occ nswhat yon to not have ermugh.nncy in ymn accotmi in covet a nansaction.hilt we pay it anyway.We call covet yairovm4tatls in two d4fTelent ways: I. We bout slnnrlanl ovrrdrn0 praetirrs Ilml rnn¢wish yon acenun 2. We also offer an overdraft proireiion Ilia.which allows year to link alit aecnunts ssh as a savings accooni to an Nisy Aloes Lill of Credit to covet nvctdialls in yom cheekingact.nnt.Thisptmr may he IM"XIxnsivc than an simtdaid overdraft practices.To leant mote.ask us afimn This plan. 'Phis nolitc explains one stance rvl overdraft pearl secs. 0 � {Vleai are the standard overdraft prattlers that came with my octanes? ea Snvctnip,etgrendy auihorizcsanA pays nvad,a05 fo,the fnllosvingtytxs nfunnsodions: • Cheeks and other nnnsidinns made using yon ch�kingnttoum nnmhct • AWrimasic bill lmymcnis On w • Qatnx Banking paynwms and 2mns(crs p • Recurring debit card nansan ions 0 w Sovereign will trot authmivc and my overthfison the following types ornausociions.U otzt nto o so„ yoau d : 0 coo • ATM withdrawals and itansfers Qnt-linx debit card nansamials We pay ovndrn0s at ow diu,mtion,which means we do!!2 iato.Nm that we will always aidhmizc acrd pay any type or bmisi lion.Irwe do not w I anthn ar and pity an ovcrdra0-yon rtansnGinn will be dc<iitmit. What fees will i be charged if Sovereign pays an overdraft rmrsnl by my ATM or onr•nmr debh transaction? Ilnder bill slandatd ove,dm0 practices: • We will charge ynu a fee of up to S35 cites,time we pay an ovcuha0.-fleece is Innis of 6 fees pct day we eau charge you tot overdrawinf.,yell atcami. O An additional au-time fee of S35 will tx charged on the fill,conxcutive business day P applies R y Yom nrenuni is ovcrdmwn.'I'his char e a r dies to ou chocking accounts lothet than any premix Checking Ancmunsl,savings and ninny market savings aecouuts- wbat if I want Sovereign to anthorbe and Iray overdrafts on my ATM and one-time debit card iransaciinns? if YOU want its In andnnine and tray oveidrafrs on A'TNl aced arMin r debit cold tmnsactiars,the easicsi way to to so is to nnolt online in Sovercipr Account I micemr by visiting www.tovCltlCl,bank.wr-it/acenun1lKnt-cctm.Yon emr also cell us at 1-977.768-4721,visit Vol,,nenrcat branch or op,,ill at any Sovncipi ATM. Can I change my mind flier? irvat tell its that we are ixt ioncd to pay any ovtiilaft$caused by ATM or one-tinx debit itau4Kiiobs,Vol,can always change goat mind am(ir0 irx Von on inngct want us to do d,is.Yon call visit any branch in call us a, 1-977-769-+1721 and roll os yet,nn longer wan,ns In pay Ihcse,Vlxa ofovn dm Os. Page.;df•5 168171 S 5 Q7 IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECfRONIC'IRANSFERS CAI.1.YOUR CUS'rOMI:R Sl:RVICI:Cr:NFER A'F TITE NUMBER SIIOWN ON TNE'rOP OF YOUR STATEMFN"f OR WRITE"FO TBF BANK FOR DF131I CARD ISSUES: FOR Al,l,OT13ER liLFCTRONIC TRANSHR ISSUES: Sovereign Bank Sovereign Bank Ann:Card Disputes'I earn Attn:Client Relations MAI MI33 02 05 10-421 CRI P.O.Box 831002 P-O.Box 12646 Boston,MA 02283-1002 Reading,PA)4612-2646 Pkna. Coolaci us if you think information about an clecirunic Transfer on your stntcnrent or receipt is wrongor if you need additional informntion about an cleclionic transfer on the statement or receipt. We must hear from you no later than 60(lays a0er we sent you the FIRST statement on which the front appeared_ • 'fell us vour name 310 account number- +Deset the the electronic transfer error or tine electronic transfer that yon ate tmsurc short and • I cil toe the dollar amount of the suspected errm expplain as clearly as yon can why yon believe there is an error or why yon need father it)onnation. If you tell us orally,we nay require yen to send your complaint or qucsimn in writing within 10 business days. We will gvompf ly investigate the nHmcr and call of write to you with air answer within 10 business days.If we need more ii w,we map take up to 45 days to invcsng$sic your complaint or question,if we do,we will credit your account within this 10-day period for the amount you Ibink is in error,so you will have 1lfc use of the monev dktfsng the was it takes us io complete our investigation.if we ask you to put your complaint of question to witting and we do not receive it wilhin Ilf Iosioccs days,we may choose not to credit your account. Fill errors involving new accoums,point of sale purchases of foreign transactions,we nifty take up to 90 days to investigate your complaint or question.For new accounts,we may take up to 20 brsness days,to credit your account for rite amount you think is in error. We will left you the resullsof our investigation within 3 busincssdays a0er completingour investigation.If we decide them was no error,we will p scud von it written explanation.You may ask for copies of the documents we aced in our investigation. a 0 ° TN CASE OF ERRORS OR QUESTIONS ABOUT'OTHER TRANSACTIONS ON YOUR S'T'ATEMENT w m You most contact its within thirty(30)days a0cr you receive your statement if you think a transaction,other than an electronic transfer,shown of �-j yore statement is wrong,of if you need more inf lrmalion about the transaction. m Yor may contact pour lici t branch of on Customer Contact Center at 877-SOV-BANK, Ctcsiomers with hearing impairments rimy call w 8010-42&9121 T YJDD). We will invcgignic your dispule nm4 cell you the resnlis ofthat mvevtgatioa. b 0 0 n b 0 0 :n K W m w v m n A N O r C5 W page 4 nf5 1681775597 Sovereigg m¢an a E.ER a ,7�5 ova AwZIWE .un [...y.m._vu/F,4�t m_ ... ell L 1 Mw� TYBY 4 6g��../1 :?3L372691r 168171559905383 • i , �Z3 LOF� �: •� 1*ji L � - _ 3 ' 1681715597 #5383 04/05/13 $3.100.00 0 0 0 o_ N N O O O W m N a c o ' 0 N O O O N 3 N W A w V V (fl O a N O n page s aJs 16817155 97 Sovereign I cm Statement Period 02122113 TO 03/21/13 PREMIER CHECKING For your convenience our Customer Contact Center is available from 7 am-8 pm EST,7 days a week, Call us at 1-877-768-1143, Hearing impaired may call 1-800-428-9121(TTYtTDD). www sovereignbank.com 00000182 MSBR3778032 01 0000 THELMA J ZIMMERMAN 0000 BARBARA A ZIMMERMAN 70210 211 N 19TH ST 1000007866 CAMP HILL PA 17011-3926 ITS TAX TIME. • • , SMART TO SAVE 9 April OPEN AN IRA TODAY 00 o SAVE ON TAXES I SAVE FOR RETIREMENT I ROLLOVER 401k INTO AN IRA Our Financial Consultants will guide you every stet of the way, g Visit your local branch santalidorinvdstm nts.cdm o T 7717777 t - � 146.5 1. S 'IISLLC q 11 F IMap MnM IIfINn JSIVC J N II r0 —NOI IIK IIy$UptU 67;M 6UAAµ1ff0 MAY IUSfVNU( live �. Ativ 4 an[c is uYf 1 F xplaSnLUnW Ye II_nicrint In ]iR I[IF NUI YASL41tNfl4.iNYI(l%IVifAA4AW$ki NhLKT Np1n NNC RMAit V O W N LOCK IN A COMPETITIVE RATE WITH A SOVEREIGN CD • Save for short- or long-term goals • Guaranteed Rate of Return • FDIC insured' Don't forget to open an IRA CD by April 15 to make your 2012 contribution and take advantage of a guaranteed rate of return and tax-deferred growth,", T Visit your local branch ❑ 1.877-768.2265 n sovereignbank.cdmtcd (mm.m++..a.la:ory 4x hw4 rvfcrx>!f� T `�+ 13039 sor- .fyr dart Nn Mm!xx FOIL 2awM8ynmrza v,bv�k�ryd P� s avv sn.S Jptltimmclm llni.NA�M 3 dYlinlxlM, a lµ.%n,rpsl.dlmNn aXSOIS gn 13a�1,NA-a Pagel ofd �ABn a $911b1 S .n0-1, In nlasM•ne It',u.n nSlk.--d.1h, ,V, 1681775597 INFORMATION r ' t YOUR ATMIDEBIT CARD We notified you in December 2012 that beginning February 1, Ways to help you manage this fee 2013,a$2 fee would be charged if you check the balance of •Check your balance at one of Sovereign's 2,200 ATMs your checking, savings or money market savings account at a •Check your balance 24/7 with Sovereign's Online Banking non-Sovereign ATM.Please note that we will not begin charging •Check your balance by calling us at 877.SOVBANK(1.877.768.2265) this fee until June 5,2013- or visit any one of our 723 branches throughout the Northeast If you have any questions on the above changes,please contact our Customer Contact Center at 1-877-SOV-BANK(768-2265),or visit your local Sovereign Branch. At Sovereign,we appreciate your business and look forward to meeting your future financial needs. 1303BIrM N2633 3113 Financial Summary Statement Period i THELMA J ZIMMERMAN 13ARBARA A ZIMMERMAN Deposit Accounts Account Number Average Daily Balance Current Balance 0 STATEMENT SAVINGS 1684007139 $2,541134 $2,540.38 0 m Total Deposits $27,894.55 ro 0 0 0 0 W I PREMIER CHECKING Statement Period i v 0 THELMA J ZIMMERMAN Account#1681715597 o BARBARA A ZIMMERMAN 0 a Balances Z' De ositstCredits +$020 Averace ag Balance $25.454.04 ' Q" 6 � ,:. . F',m*,�.*' ,t�yr�4.a: w •' "�.�� rt � r' � ;. - 2J 0 w o Interest Earned this Period $0 20 " Paid Last Year � $2.02 m P-,`$`idalr :A,I rro The interest earned and the interest paid may differ depending on when interest is credited to your account- Checks Posted Check# Date Paid Amount Reference Check# Date Paid Amount Reference 1 Check(s)Posted=$155.65 An asterisk(')indicates a skip in sequential check numbers. An(E)indicates check was convected to an electronic item, Account Activity Date Description Additions subtractions Balance 02-22 Beginning Balance $25,509.62 Fb Y2 v ik(!:' t 03-21 INTEREST CREDIT FROM 02/20/2013 TO $0.20 $25,354-17 0371912013 page.2q(4 1687715597 Sovereign I STATEMENT SAVINGS Statement Period 02/22/13 - 03/21/13 THELMA J ZIMMERMAN Account#1684007139 BARBARA A ZIMMERMAN Balances De tsits/Credits +$010 Average Daily Balance $2,540.34 XUR BMW Interest qr VPiffiRW1r1U Earned this Pc-:-,(1 $0.10 Paid Last Year $13.67 *The interest earned and the interest paid may differ depending an when interest is credited to your account Account Activity Date Description Additions Subtractions Balance 02-22 Beginning Balance $2,540.28 0 03-21 Ending Balance $2,540,38 What You Need to Know about Overdrafts and Overdraft Fees Overview An overdraft occurs when you to not have enough most in your account it,cover a transaction,but we pay it anyway,We can cover your ovenhalls in to two djffcrcm Ways: o L We have standard overdraft practices that collie will Your account 2. We also offer at,overdraft protection plan which allows vet to fink other accounts larch as a savings account oraliflasy Aac&;[,me of p {,:redi[nz cover ovardraitR In your checking aseoenl.This plan map be toss expensive than ran standard overdraft praGinon.1'0 learn nom,ask us about this plan. 1p 'this notice explains ou[st:nndard gverdraCl practical. What are the standard overdraft practices that come with my account, to5VCrCi?Aa 01110111y i111111to 17CS and pays overdrafts ter the following iv PC to softranstioni; o Checks and ohcr natmactions made using your clicclitagaccourd number hilloavisisdA Oul ,Banklopvsads And transfers 9: • Itccurruir debit Card ftal)SA011011S Sovereign will 1101 minim i?.cand pay ova drat s on the following lvpcsof transactions,UNLESS yon Authorize its to do so: • A I IAWilloftaal,and I itaqslers • Ou.-rinicdclur rn,j liansnctions We pay ovelthaps at our discretion,which metals we&not jolqf�qllnc that we will always millauize and plyarr,type of nallsactiou,Jfwc do not authorize And pay an overdraft,vast itausai,tion will he declined, What fees will I be charged if Sovereign pays an overdraft caused by my ATM or one-lime debit transaction? Undel out idandardoverdr;dfil Inacticeq: • We will charge you a fee of up $35 each time We pay Art Gve"fraft, flual,is him[of 6 fees per day in car charge you foroviadmWing your aecount • An Additional w.c-ijus,fee of$35 will be chatfacd on themil consicctowc busincssday your Account isoveithrawn. this charge Applies to chocking accounts(ollier than Any premier Clacking Accounisfanvings and 111011CV Tlladtcl savingsacclujus. What ill want Sovereign to authorize and pay overdrafts on my ATM And one-time debit card transactions? If vial want-is to authorize and pay overdrafts on AI'M nd one-tine dcicii cind transactions,the easiest Way in dos. to catch online in Sovereign Account I'llocclor by Visiting w ,mv tico You can also call us at 1-877-7b8-4721,visit your neatest branch or opt-in at anv Sovcrcijm AI-M. Can I vicauge my mind later? If you tell I's that we Art pertained to pay any overdrafts caused by AIM or unc,linic dchil transactions,voll can alwayschange your mind And tell its you no longer Want uslodo fla, You con visit Any blanch or call nsal 1-877-766-4721 Arid tell us you no longer Want its in pay these ty;x.,of.veldtlys napP3 of 4 JARJ71Sql)7 IN CASH OE ERRORS OR QUESTIONS ABOUC YOUR ELECI'RONIC TRANSFERS CAI L YOUR CUS'FOMFR SCRVICI?CI',NI FR A TBB NUMBER SHOWN ON THE TOP OP YOUR STATRMFNI OR WRIfF 10 THE HANK FOR DP.HIT CAR])ISSUES: FOR ALLOI'1117 i FLEC I RONIC TRANSFER 1SSUP.S: Sovereign Bank Sovcrcip i Hank Alln:Cmd Dispmcs loam Nn[Client Relations MAI MRS 02 05 10-421-CRI P.O.Box 831002 ROQ Box 12646 Boston,MA 02283-1002 Reading,PA 19612-2646 Please contact its if you think information abo ll all electronic trans'fet on vour statanmtl or receipt is wrong or if you need addilional information about all electronic Iransfcr on the statement or receipl. We most hear front you no later Than 60 days anet we sent Von the FIRST statement on which the error apfieated. • '1-ell ns your name and account nnntber. •Describe the elccrollic nansfcr anon or the electronic transfer than you are unsure aboul and • fell us the dollar anofuV of the suspected crot. ex!Maill as cleat h as con can why you believe there is an enot of why you need hul her ntlonnalion. If yet Iell its orally,we may require you to send your complaint or questiot in writing within 10 husiness drys. We will promptly investigate the matter and call or write to you with an answer within 10 business days.If we need more lime,we nay lake up to 45 days to invests to your complaint of question.If we do,we will credit your account within this 10-day period for the amount you think is in error,so von will liavc Illc rise of the moncv dorm,the lime it Iak"its to complete nor investigation.If we.osk'yon Io put Veto contplafnl of gocGion in wining and we do not received within 10 business days,we nmv choose nol to crcdil vour account. 17or cuors involving new accounts,point of sale purchasesor foreign Iransiclions,we ntav lake up to 90 Jays Io investigate your complaint or question.hor new accounts,we rmy lake up to 20 busumss days to crcdil vour accannl for the anonnl Von think is ut ctror. We will tell,you[lie tesullsof our investigation within 3 business days after completiugour invesligadion.If we decide there was no error,we will 0o said,von a wrillen explanalion.You noy ask for copies of the docunonts we used in our iuveurgation. 0 °o IN CASE OF ERRORS OR QUESTIONS ABOUT UTHER'fRANSACTIONS ON YOUR STATEMENT m N You nnrs"t contact its within thiitv(30)days after you receive vour statement if you think a transact ion,other Ilion an electronic transfer,shown on your statement is wro Igor if yon need nWrc information nboul the Imnsacoon. 0 You may conlacl yyour nearest branch or our Crrston N ier Contact CrCr at 877-SOV-BANK. (:uslrnncrs with hearing impainnenls nmy call 800-428-9121('fTY'I'DD). We will invesligelc vour dispoe and tell you the results of lhal invcsligidon. 0 0 0 A O O O CZ W J J O W N O r n W page 4 of 4 1681775597 Sovereign Statement Period 01122/13 TO 02121113 PREMIER CHECKING For your convenience our Customer Contact Center is available from 7 am-8 pm EST,7 days a week. Call us al 1-877.768-1143. Hearing impaired may call 1-800 428-9121 (TTY/TDO). www.sovereignbank.com 00000530 MSSR3778022 01 0000 0000 THELMA J ZIMMERMAN 70210 BARBARA A ZIMMERMAN 211 N 19TH ST 1800007866 CAMP HILL PA 17011-3926 Firfetricial Summary 'ni n.! •d 1 1 THELMA J ZIMMERMAN BARBARA A ZIMMERMAN Deposit Accounts Account Number Average Daily Balance Current Balance 0 STATEMENT SAYINGS 4 1684007139 $2.54023 $2,540.28 o Total Deposits $28,049.93 PREMIER CHECK!�q, Statement b 0 O O N b Period 1 1 0 0 b THELMA J ZIMMERMAN Account#1681715597 BARBARA A ZIMMERMAN le cn v, Balances w � eg nn ng anca $15—,6& ursent onto 2 De sits/Credits -$0.43 Avera a Daily Balance $25,61d.85 N Withdrawals/Debits -- . ._ . . ._.. _.. ... .. . . N b Interest ICU W Earned this Period $0.21 Paid Last Year $2.02 Pald Vaer+7d-Dale •_ - .�+f . .,r,..�;�_.`r-:,b'$ff:A3�.�.t� '. � ;%, I--.--... �. .;-.--.,,,.. ;. _. 1 'The interest earned and the interest paid may differ depending on when interest is credited to your account. Checks Posted y�Check If Dale Paid Amount Reference Check# Date Paid Amount Reference 1 Check(s)Posted=$155.65 An asterisk(')indicates a skip in sequential check numbers. An(E)indicates check was converted to an electronic item. Account Activity }'< Date Description Additions Subtractions Balance 01-22 Beginning Balance $25,664,84 01-22-. NTEREST CREDIT FROM'1 212 0120 1 2 TO „ -$021 r , -- $25,665.05 0111912013 - t 02-12 UHAUL 811055S PURCHASE 130211 5382 $155.65 $25.509.40 02.21 INTEREST CREDIT FROM Ot120I2013 TO - 7 $0.22 -- - $25,509.62 02/19/2013 _ '� "' 1 02-21 Ending Balance $25,509-62 Sancp.a.N:,Nn na Mmda riXf mtlaat,tlirmx<ttMWaY IXnarn SWrAtt.sn Oaif)6wnrxr. NsI.NA t�*�'^rnb%�a�a�Mie{pue,MStnrtlMrvt+rt,845d SIX,xnp,6W.NA MI page.1 of rr„en 'w c.u„w�,..r,.w.r,m.nn,.,�Mw+..�.om.n�,..,��.�r..�esun o,d..m,<ax�m. I687711597 STATEMENT SAVINGS Statement Period 1 1 THELMA J ZIMMERMAN Account If 1684007139 BARBARA A ZIMMERMAN Balances De osils/Credits +$0.11 Average Dail Balance $254023 ,A„eA. _i x":7, 07g7�3 m,, Interest "03 �R Si"$d � c $b°� ua"�i PAt k�e a�iri� t r 21YfS o ¢W $1367 Earned this Period $0.11 Paid Last Year Idt ..;'r..:>ik3 mot."a .:J: �xv�ii s The Interest earned and the interest paid may differ depending on when interest is credited to your account. Account Activity Date Description Additions Subtractions Balance 01-22 Beginning Balance $2,540.17 004� pr�IF r? Mbr ,7 xi,02-`0`4-' t ") �{ s 26Atl EH HM 02-21 Ending Balance $2,540.28 0 0 N o What You Need to Know about Overdrafts and Overdraft Fees 0 0 ° Overview 0 N An overdraft occurs when you to nor have enough money in your account ID cover a transaction,bill we pay it anyway.We can cover your overdrafts in ^' two different ways: 0 0 i° L We have standard overdraff practices that come with your account 0 2. We also offer an overdraft InNi rclion plan which allows von to link other accounts such as a savings accouN or an 8asy Access Line of o Credit to cover over ilalis in your checking account This plan may be less expensive 111,111 out standard Overdraft practices.To learn more,ask its about this pint. in A1 his notice explains our standard overdraft practices. u v What are the standard overdraft practices that come with my accoun l? V 0 SOVfICIg11 CI1rrCI111V a11a1D11%CS and pays UVC(d[afls for tire following IV)MS of II'aI15aChOns; N o • Checks and other transactions nmdc using your checking account number • Aulumalic bill payments r gP�Y Online 13ankin a inents and transfers n W • Recurring debit card nnlsaclions Sovercign will nor aulhorize and pay overdrafts on the following types of transactions,UNLESS.voa,1utholize ns to do so: • A'fM withdrawals and transfers • One-I ina debit end Ilansclions We pay overdrafts it our Aiscrction,which nlcnns we Jo noiguazamw that we will always urn horivu and pay my type of hansaclion.If we do not author ize and pay an ovadrati,year transaction will be declined. What frrs will 1 be charged if Sovereign pays an overdraft caused by my ATM or one-time debit transaction? Linder our standard ovadra8 practices: • We will charge year a fee of up to$35 each lime we ply an overdraft.'I here is a limil of6 fees per day we can charge yen for overdrawing your accrnun. • Ali additional one-little fee of 535 will he charged nn the 61h consecutive business day Voi t account is overdrawn.Phis charge applies to checking accounts(other than any Pi curter Checking Accounts),savings and money market savings acconnis. What if want Sovereign to authorize and pay overdrafts on my ATM and one-time debit card transactions? If you want us by authori'rc and pay overdrafts on Al'M and one-time dcbil card transactions,the easiest way to do so is to enroll online in Sovereign Acconnl Proncmr by visiting www.sovercienbank.conilaccounlnrolecbr.Year can also call its at 1-877-768-4721,visit your nearest branch of old-in at any Sovereign ATM. Can 1 change my mind later? If Val tell its that we are permitted 10 paw any overdrafts caused by A IM or one-tine debit Ira11llc110TIS,yon can always change your mind and cell its you an longer wanl us m Ao this Yon can visit nnv branch or call us at 1-877-769-4721 and tell us von no longer want us to pay these rvpcs of ovcrdra8 s. page Z of 3 1681715597 i Sovereigri Santander IN CASE OF'ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS CALL YOUR CUSTOMI:R SERVICE CENTER AI"rill:NUMBER SI TOWN ON]'ITT,TOP OF YOUR STA'rrMPNT OR WRIT E'r0 TNF BANK FOR DEBT F CARD ISSUES: FOR AIJ,OTTIRR ELF c T-RONIt TRANSFER ISSUES: Sovereign Sank Sovereign Bank A lue Card Disputes earn Ann:Client Relations MAI MB3 02 05 10-421-CRI P.O.Box 831002 P.O.Sox 12646 Boston,MA 02283-1002 Reading,PA 19612-2646 Plcase contact its if you think information about an electronic transfer on you$o1ancnt or tcccipt is wrong or if you need additional information about an electronic transfer on the statcntcot or teceipt. We must heat front you nn later than 60 days after we sere You the FIRST statcoma on which tine m mr appeared. • 'fell us your name and accounl number_ •Describe the electronic transfer error or the electronic transfer first you are Inane about and • Tell ms the dollar amamn of tile;mtspecied error, ox plain as cicazly as you can why you Micvc there is all error or wiry you need further inforntafimn. If you tell us orally,we may require you to send your complaint or question in writing within 10 business days. We will pcompily investigate the matte/and call or write to you will,an answer within 10 business days,If we need more time,we map take up io 45 days io invesl,gatc your complains or qu"ion.Trite do,we will credit yotn account wilbin this 10-day period for the amountyou think is in error,so you will have the rise of the money during the line it takes us to complete our investigation.If we ask you to put you compimnt or question in writing and we tie not receive it within 10 business days,we may choose not to credit your account. For errors invoivingnew accounts,point of salt ppurolnases or foreig2n transactions,we may take up to 90 days to investigatc your complaint of question.For new accounts,we may lake up to 20 business days to credit your account for file amount your dunk is in error. We will tell you the resells of our investigation within 3 business days after completing our investigation.If we decide Ihcre was no error,we will o send you a written cxplanalion.You may ask for copies of the documents we used in our investigahon. 0 O o°o IN CASE OF ERRORS OR QUESTIONS ABOUT OTHER TRANSACTIONS ON YOUR STAI'EMEN'E w Yon must contact us within thirty(30)days after you receive your stalcmem if you think a transaction,other than an electronic transfer,shown on p your statement is wrong or if you need more information about due transaction. 0 mmt You maytwr, fact Four nearest branch or our Customer Contact Centel at 877SOV-SANK. Customers with hearing impairmcuis may call w 800-428-)121 IT I"Y/TDI)1. We will investigate your disp le and fell you the results of that invcsfigatiou. tJ O 47 w e> ea w m ro 7J w V V or O N N O t- 0 m page 3 of.? 168]715597 Sovereign Statement Period 12122112 TO 01121113 PREMIER CHECKING For your convenience our Customer Contact Center is available from 7 am-8 pm EST,7 days a week. Call us at 1-877-768-1143. Hearing impaired may call 1-800-428-9121 (TTVtTDD). www.sovereignbank.com 00000561 MSSR3778012 01 0000 THELMA J ZIMMERMAN 0 0 0 0 BARBARA A ZIMMERMAN 70210 211 N 19TH ST 1800007866 CAMP HILL PA 17011.3926 x5"'Ryr,rr^.ar t :inr - - - 7 r� 777 - r n `.y. .`x': 777-7F, CRI Y � i r LIMITED-TIME ; w y l r. �:'xv yM1 J�ti4,i i F HOME EQUITY PECIAL January 1 - March 31, 2013 W Xy s For a limited time, you can get a special rate on our FlexLock°Home : Equity Line of Credit- Whether you want to make home improvements, _ k"S a major purchase or consolidate your debt, now is the time to take r advantage of this great limited-time offer! A FlexLock line gives you the I Y flexibility to access funds when you need them, as you need them. •. ,-� To find out more, visit any Sovereign Branch, > x call 1.877.4.SOV.LOAN (1.877.476.8562), or visit sovereignbank.cam/lines today. IN' sip' N4 1--� `EqualHousingLender 1301HESR N2477 1/13 rMp `s.,. .�,>,y"'^gq o ,:., m�-r? ,7+^aav *.veg; „'.. �. k !SC^ t EwR3g Oad.,N A rsa AGrn.Yree r{kf stla vAta�gpnM gibstrayd Ftmco:,avan�r,S A p]Ota Suvnmm Ha&,N A�SovrvRpr�tl SaN.ndn eigtl3 Mga,'.R�g4ncdha+rrtr Msd SovctriOn psM.NA aM page I of3 M" flacn Salarchir,vn.rspr[hvnN,m lM1m�-111- 1 nitMSUfwrry In mr WO SO---Ohl-,I Oh- J 1687775397 Financial Summary Statement Period 1 THELMA J ZIMMERMAN BARBARA A ZIMMERMAN Deposit Accounts Account Number Average Daily Balance Current Balance h 1-M,Z STATEMENT SAVINGS 1684007139 $2.540.13 $254017 Total Deposits $28,205.01 PREMIER CHECKING Statement Period i THELMA J ZIMMERMAN Account#1681715597 BARBARA A ZIMMERMAN Balances De s"'Credits +$0.00 Aver a Daily Balance $25.755.22 f}Nithdrawalst0ebtts '.:.. . t,,;'- x$155.65{:,+'?`$k'�.. ..-_.. __— a„� ._. ° Interest 0 nU rCen a 19 ld 5=d' - w °f Earned this Period ” $0.21 Paid Last Year $2.02 ° PSidYear-7d'-Dato' +-. +rtr; --.,", .:+,.. $021''. . .-- . ._.._ - --- -:— .. 6 The interest earned and the interest paid may differ depending on when interest is credited to your account- 0 o Checks Posted ° Check# Date Paid Amount Reference Check If Date Paid Amount Reference 0 N — ,tll O O 1 Checks)Posted=$155.65 m An asterisk(')indicates a skip in sequential check numbers. An(E)indicates check was converted to an electronic item. A Account Activity w Date Description Additions Subtractions Balance c 12-22 Beginning Balance $25,870.49 N) (0.1.09:"UHAUL 811065S-PURCHASE 13'01083415 'a $25,664 Sd 01-21 Ending Balance -- - -- $25,664.84 STATEMENT SAVINGS Statement r O 3 m Period THELMA J ZIMMERMAN Account#1684007139 BARBARA A ZIMMERMAN Balances nna a of aance- :r d Da sitslCredits +$0.11 Ave ra eDail Balance $2,540.13 (WithdrawalslDabits v" , "',1'<+>• , '",", ,$0.00'5.1'.., "+-.`` -- . . _ <,xa.'*'t-.".5:., . Interest Paid s o n ementage ie and Earned this Period $0.11 Paid Last Year $13.67 f - 3 }Paid Year-T&Date The interest earned and the interest paid may differ depending on when interest is credited to your arcounl. page 1 ol3 1681715597 Sovereign 4o Santander Account Activity Date Description Additions Subtractions Balance 12-22 Beginning Balance $2,540.06 01-21 Ending Balance $2,540.17 IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS CAL,YOUR CUSTOMER SERVICF.CENTER AT'fHE NUMBER SHOWN ON THE TOPOF YOUR STAfFMI"r,N'f OR Witt ri;TO THE BANK FOR DEBIT CARD ISSUES: FOR ALL OTHER ELECTRONIC TRANSFER ISSUE& Sovercigm Bank Sovereign Bank Alin:Card Disputes Tram Ann:Cliom Relations MAI MB30205 10-421 CRI P.O.Box 831002 P.O.Box 12646 Boston,MA 02283-1002 Reading,PA 19612-2646 Please contact as if you think information about an electronic 4ransfer on yarn statement oz receipt is wrong or if yon need additional information about an ch:cirmuc transfet on dic sfatemcni or receipt. We mast hear, from you no later than 60 days aRcr we win you the FIRST statement on which tile, or appeared. • '1"ell its your nanm and account member. •Describe de electronic transfer error or the electronic transfer that you are unsure about and • Fell its the dollar amount of the suspected crrot. expplain as clearly as you can wiry you believe there is an error or wiry yon need hnthcr inicountmn. If you tell us orally,we may require you to send your complaint in question in writing within 10 business days. We will promptly investigate the matter and call or write to you with an answer within 10 business days.If we need more lime,we map take tip to 45 days m inveshggale your complaint or qucstiom If we do,we will credit your account within this 10-day period for the amount yon think is in error,sa you nwll have the use of lite money during the time it lakes us to comptGe our investigation.[(we ask you to put your comptaurz or qurshon in wntuig + and we do not receive it within 10 business days,we may choose not to credit your account. For errors involving new accounts,point of sale purchases or foreign bansactions,we may lake up to 90 days to investigate your complaint or question.For new accounts,we may lake up to 20 business days to credit your account for lite amount you think is in creme. We will tell you the rc&llts of our investigation within 3 business days after completing our investigation.If we decide there was no error,we will send you a wnttem explanation.You may ask for copies of die documents we used In our investigation. IN CASE OF ERRORS OR QUESTIONS A13OUT O'MER TRANSACTIONS ON YOUR STATEMENT You mast contact us within thirty(30)days after you receive your statement if you think a luumIciion,other than an electronic transfer,shown on your statenwntis wrong or if you need more information about the itansaction. You may coumct yyour nearest branch or our Custoer Contact Ccrocr at 877-SOV-BANK. Customers with heating impairments may call 800-428 9121(T"( m Y/FDD). We will investigate your dispute and tell you the results of drat investigation. i nnoo 4 of? - rror+...... Sovereign Statement Period 11/22/12 TO 12121112 PREMIER CHECKING For your convenience our Customer Contact Center is available from 7 am-8 pm EST,7 days a week. Call us at 1-877-768-1143. Hearing impaired may call 1-80OA28-9121 (TTYITDD). www.sovereignbank.com 00000289 MSBR3778122 01 1000 THELMA J ZIMMERMAN 1000 BARBARA A ZIMMERMAN 70210 211 N 19TH ST 1800007866 CAMP HILL PA 17011-3926 0 0 o 0 0 a 0 00 N O O O_ O O m p We wish yo`peace and prosperity V \ ) y N { this holiday season. m Sovereign I/r/rral la,,.d r„r, Looking to give an easy and convenient gift this holiday season? Look no more. The American Express Gift Card makes the perfect gift for the holidays.It can be used at millions N of places—wherever American Express Cards are accepted.`This gift card is backed by world-class customer service and can be replaced if lost or stolen.' Stop by your local Sovereign Branch to purchase this great gift todayl 'fief an"'re” alkow a' maJOmr"at bnJp Card'wol ad,de-11 5mno umr .pI ...el leem nr c e,,ed.mmor ,am„l et,rm he rrre FO c lameemm-alt ,qr, road othe cm cPoar rrrr_N"melee,marml uY�e u�rNMrary r. rtf 6Jr ar rr.v rrN b/nme F eryrM Cartl rn na9..n Co rim Xlrnrm�armmanJ � o rrr rr Swmngr Hark,N A is a Mnnpn F AC and a Molry wmr suEyJary of Osro Sedearddr,S A U fill Snvn,e,q, Dark,N A I r peerergr a rtl Seelalder and ils I.,der reyslrered lredMrake of Sider De'nF N A amd page/of4 �,8,yr nary, c�rlard.r.S,rIllIrall,e,m.rr alnuald--eanaea.rn nm urrnrm Sla..and Hers r-neie+ 1691715597 IMPORTANT • ' •N REGARDING CHANGES TO YOUR PERSONAL DEPOSIT ACCOUNT • Branch Transaction Cut-Off Time: In our Funds Availability Policy,we stated that the earliest cut-off time for branch transactions was 2:00 p.m.Now,there is no longer a cut-off time for branch transactions.This means that all transactions performed in the branch on a bank business day will be posted the same bank business day. Service Fee Period: The service fee period now begins on the day any monthly service fee is posted to your account and ends on the day before the next monthly service fee is posted.This change primarily impacts the timing of when your fees are calculated but not the amount of fees you may be charged.It also impacts how we count the number of certain withdrawals from your savings and money market savings accounts.This change affects section 7("Withdrawals")and 24("Fees and Charges")of your Personal Deposit Account Agreement. 0 criming for Calculating Combined Balance: 0 N When we calculate the combined balance for your Premier Checking Account to determine if the monthly fee applies, bo we will now use the balance of your certificate of deposit accounts,your outstanding loans and Individual Retirement °o Accounts as of the last day of your statement period rather than two days before the last day of your statement period, as previously disclosed in section 11 of the Personal Deposit Account Agreement.There is no change to how we calculate 4' the average daily balances to your other checking and savings accounts. b 0 0 N b 0 0 A 3 If you have any questions on the above changes,please contact our Customer Contact Center at a) 1-800-762-5895,or visit your local Sovereign Branch. � At Sovereign,we appreciate your business and look forward to meeting your future financial needs. 'N N _O t- 0 K vM OTm page 2 of 4 1681715597 Sovereign l «� Period Financial Summary Statement THELMA J ZIMMERMAN BARBARA A ZIMMERMAN Deposit Accounts Account Number Average Daily Balance Current Balance STATEMENT SAVINGS 1684007139 $254001 $254006 Total Deposits $28,360,55 PREMIER CHECK!�G, a G -11/22/12 12/21/12 merlt.,Period, THELMA J ZIMMERMAN Account#1681715597 BARBARA A ZIMMERMAN Balances b0 nng n r uman nce A 9 t}e osiistCledits 1-$0.21 Average Dail Balance $26,03928 {WlthdrnwalstD6bfs. r. = 44685; - ..- ° Interest °o 0 Hilo arcantae0 amtl ' Earned this Period $0.21 Paid Last Year $3.59 ° Paid Y erTo-Data --'�� $2 02 - u°or 'The interest earned and the interest paid may differ depending on when interest is credited to your account. b Checks Posted ° Check# Date Paid Amount Reference Check# Date Paid Amount Reference 0 o t - __ 2�'i"�S�'R17t1'll5'Ciy�ttSE714fDr. 1=�, ;a a 2 Check(s)Posted=$406.85 3 An asterisk(')indicates a skip in sequential check numbers. An(E)indicates check was converted to an electronic item. in A Account Activity v Date Description Additions Subtractions Balance Si 11-22 Beginning Balance $26,227.13 N 112 OT, NA{�OIWiDE ABU A GHEC1(PAM112120 :! Nt 3281'2 y 525,975. b 1a7 5413 .1} .w4. iti'.r - ''I"k. -.x,.,4, ;`r ,Q �`.yk7 -•� 12-10 UHAUL 8110555 PURCHASE 121207 5414 °tT ;k a t $p.2t y $15 5.6u 5 r $25,820.28 '25.820.49 21120tl . t 12-21 Ending Balance $25,820.49 STATEMENT SAVIN GS Statbirlent Period 11122/12- 12/21/12 THELMA J ZIMMERMAN Account If 1684007139 BARBARA A ZIMMERMAN Balances De ositslCredits �$0 14 .,.. ,Avera a ante r ma a nce � u n -; a Dail Balance $2,540.01 Iwith`d (reiaroei Lk - c30.00. - Interest aid fflief MOW WT4 AnnW Perceni3gd,702 Eame Earned this Period $0.10 Paid Last Year $91.44 Paid Year=To-Data ,-_ $13.67 : -,5'•. . -_ .- . _ -. ,- - .. , The interest earned and the interest paid may differ depending on when interest is credited to your account. nnpn inld' Account Activity Date Description Additions Subtractions Balance 11-22 Beginning Balance $2,539.92 12-21 Ending Balance $2.540.b6 IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS CALL YOUR CUSTOMER SERVICE.CENTER AT THE NUMBER SHOWN ON THE TOP OF YOUR STATEMENT OR WRITE TO THE BANK FOR DEBIT CARD ISSUES: FOR ALL OTHER ELECTRONIC TRANSFER ISSUES: Sovereign Bank Sovereign Bank Arm:Card Disputes Team Attn:Client Relations MAI MB3 02 05 10-421-CRI P.O.Box 831002 P.O.Box 12646 Boston,MA 02283-1002 Reading,PA 19612-2646 Please contact us if you think information shaman electronic transfer on your statement or receipt is wrong or if you need additional information about an electronic transfer on the stalement or receipt. We must heat from you no later than 60 days after we senl you the FIRST'statement on which the error appeared. • fell us your name and account number. •Describe the electronic transfer error or lire electronic transfer that you are unsure about and • Tell us the dollar amount of the suspected error. explain as clearly as you can why you believe than is an error or why you need further Information. If you tell us orally,we may require you to send your complaint or question in writing within 10 business days. 0o We will promptly investigate the matter and call or write to you with an answer within 10 business days.If we need more time,we may take up to 45 00 days to investigate your complaint or question.If we do,we will credit your account within this 10-day period for the amountyou think is in error,so 0 you will have the use of die money during the time it takes us to complete our investigation.If we ask you to put your complaint or question in writing No and we do not receive it within 10 business days,we may choose not to credit your account. 0 b For errors involving new accounts,point of sale purchawsor foreign transactions,we may take up to 90 days to investigate your complaint or o question.For new accounts,we may take up to 2 business days to credit your account for the amount you think is in error. 0 We will tell you the results of our investigation within 3 business days a0er completing our investigation.If we decide there was no error,we will send You a written explanation.You may ask for conics of the documents we used in our investigation. 0 0 p IN CASE OF ERRORS OR QUESTIONS ABOUT 01 HER-1 RANSACTIONS ON YOUR STATEMENT b C3 You must contact its within thirty(30)days after you receive your statement ifyou think a transaction,edict than an electronic transfer,shown on your statement is wrong or if you need more infomtation about the transaction. AZ mYou ma contact yyour nearest branch or our Customer Contact Center at 877-SOV-BANK. Customers with hearing impairments may call p 800-42vi 121(T'1"YlfDDL We will investigate your dispute and tell you the results of that investigation. w V N N _b r- 0 m page 4 oj4 1681715597 Sovereign Statement Period 10120112 TO 11/21/12 PREMIER CHECKING For your convenience our Customer Contact Center is available from 7 am-8 pm EST, 7 days a week. Call us at 1-877-768-1143. Hearing impaired may call 1-800-02&9121 (TTY/TDD). w .sovemgnbank.com 00001157 MSSR3778112 01 1000 1000 THELMA J ZIMMERMAN 70210 BARBARA A ZIMMERMAN 211 N 19TH ST 1800007866 CAMP HILL PA 17011-3926 ® A 0 6 Q O For a limited time,you can get a special introductory rate on our FlexLockO Home Equity Line of Credit. Whether Tr _ N you want to make home improvements, a major °g purchase or consolidate your debt, now is the time g to take advantage of this great limited-time offer! A FlexLock line givesyou theflexibilityto accessfundswhen I A you need them, as you need them. j N b To find out more, visit any Sovereign Branch, call 1.877A.SOV LOAN(1.877A76.8562), or visit sovereignbank.comllines today. 121 Equal Housing Lender 1211 HESR EXCLUSIVE DEPOSIT RATES ARE JUST THE START. Premier Banking . customers get rem er premier banking •r rates and rewards. Premier tlanklnq mans hionty access to ded"dated repre>enYaiives,both in-branch Hence the name. and on the phone.as welt as great iatm and Other ealuslve rewards. Visit your neighborhood blanch or call 1-97 7.476 to enjoy tlwel tm}rourse+t. 409W I 1 ^fl W yll 5 + Ir d .TM +r ✓v na rvryar a v" -�� . r..dr....mn arn� ) ,, �,.A,.n n I ,�.� imMl x. „ nnl �r �»n wlry n r le u;.Am n m^�t eJu Smnnyl oan,Nn isahtnmbcr KOlG mllaxtiolly mr>,rtlslbuYxy of nom.•^e_."-.".� - nnnrc I Financial Summary Statement Period 1 f THELMA J ZIMMERMAN BARBARA A ZIMMERMAN Deposit Accounts Account Number Average Daily Balance Current Balance STATEMENT SAVINGS 1684007139 $2,539.85 $2,53992 Total Deposits $28,767.05 PREMIER CHECKING Statement Period 10120112 THELMA J ZIMMERMAN Account#1681715597 BARBARA A ZIMMERMAN Balances an e De sits/Credits +$0.54 Aver a Dail Balance $28.382.98 i ra De 3 0� 5 S Interest 0 v Earned this Period $0.26 Paid Last Year $3.59 mvmr-ffit - I 3t. 1 not `The interest earned and the interest paid may differ depending on when interest is credited to your account. $ b Checks Posted $ Check# Date Paid Amount Reference Check It Date Paid Amount Reference N b O 2 Check(s)Posted=$3,695.65 NAn asterisk(')indicates a skip in sequential check numbers. An(E)indicates check was converted to an electronic item, A Account Activity Date Description Additions Subtractions Balance m 10-20 Beginning Balance $29,922,24 '�N EREST i;R I LE FED' t ��D $ .30 $29,922.5+1 r- 11108 CHECK 000000005412 $3,540.00 $26,382,54 3 i4 11HAll 6 s; Ct _ Eii 1J 10'5381 5755: $26;226.8 m 11-21 INTEREST CREDIT FROM 10/2012012 TO $0.24 $26,227.13 11119!2012 µ $363„7f inndB STATEMENT SAVINGS Statement Period 10120112 THELMA J ZIMMERMAN Account#1684007139 BARBARA A ZIMMERMAN Balances n De sits/Credits +$0.17 Average Daily Balance _ $2,539.85 po E d $tt 00 . Sovereign Santander Interest Earned this Period $0.17 Paid Last Year $91.44 'The interest earned and the interest paid may differ depending on when interest is credited to your account. Account Activity Dale Description Additions Subtractions Balance 10-20 Beginning Balance $2,539.75 11-21 Ending Balance $2,539.92 IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS CALL YOUR CUSTOMER SERVICE CENTER AT THE.NUMBER SHOWN ON THE TOP OF YOUR STATEMENT OR WRITE TO THE BANK FOR DEBIT CARD ISSUES: FOR ALL OTHER ELECTRONIC TRANSFER ISSUES: Sovereign Bank. Sovereign Bank Attn:Card Disputes Team Attn:Client Relations MAI MB3 02 05 10-421-CRI P.O.Box 831002 P.O.Box 12646 Boston,MA 02283-1002 Reading,PA 19612-2646 o Please contact us if you think information about an electronic transfer on your statement or receipt is wrong or if you need additional information about 0o an electronic transfer on the statement or receipt. We must hear from you no later than 60 days after we will you the FIRST statement on which the o error appeared. N • Tell us your name and account number. •Describe the electronic transfer error or the electronic transfer that you are unsure about and • Tell us the dollar amount of the suspected error. explain as clearly as you can why you believe there is an error or why you need further CD information. 0 0 If you tell us orally,we may require you to send your complaint or question in writing within 10 business days. Co N We will promptly investigate the matter and call or write to you with an answer within 10 business days.If we need more time,we may lake up to 45 o days to invesuggaato your complaint or question.If we do,we will credit your account within this 10-day period for the amount you think is in error,so ° yon will have the use of the money during the time it takes us to complete out investigation.If we ask you to put your complaint or question in writing and we do not receive it within 10 business days,we may choose not to credit your account. 0 0 °y For errors involving new accounts,point of sale purchases or foreign transactions,we may take up to 90 days to investigate your complaint or 3 question.For new accounts,we may take up to 20 business days to credit your account for the amount you think is in error. n We will tell you the n explanation.of out investigation within 3 business days ally completing our investigation.If we decide there was no error,we will � send you a written explanation.You may ask for copies of the documents we used in our investigation. IN CASE OF ERRORS OR QUESTIONS ABOUT OTHER TRANSACTIONS ON YOUR STATEMENT N ° You must contact us within shiny days after you receive your statement if you Think a transaction,other than an electronic transfer,shown on your statement is wrong o[if you need more information about the transaction. r- 0 You may contact yyour nearest branch or our Customer Contact Center at 877-SOV-BANK. Customers with hearing impairments may call 800-428-9121 (T'1'Y/TDD). We will investigate your dispute and tell you the results of that investigation. ,H¢w r.agxu,wn BYi°l.Maauiax� 64 .o.sv V7.es5,ah ly�wu/jS _..:s3 5`1,0°~-<0 �SovemIgn Bmk �:233342693,: {601415597~5412 1681715597 #5412 11/08/12 $3,540.00 0 0 0 o_ N V O O O N_ W (T O O O A O O O A W W A w V V N _O r n W page 4 o(4 1681715597 Sovereign Santander Statement Period 09122/12 TO 10119112 PREMIER CHECKING For your convenience our Customer Contact Center is available from 7 am-8 pm EST,7 days a week. Call us at 1-877-768.1143. Hearing impaired may call 1-800A 28-9121 (TTY/TDD). www.Sovereig nbank.com 00002040 MSBR3778102 01 1000 THELMA J ZIMMERMAN 1 0 0 0 BARBARA A ZIMMERMAN 70 190 211 N 19TH ST 1800007866 CAMP HILL PA 17011-3926 o Make yours todayi. 0 0 0 0 P O O fJ rD I� w L tp O •• C 01 SIGNATURE rs O 6 e 0 0 A a N _ Rewards made 'Introductory. AA . 3 - 00 No No annual fee - m OOne reward point for every dollar spent on balance tr`ansfe'rs 7-I0 muds depend'q m aedytardieg xhm tahrl M daig . Ee firi 60 dA'S riti yw NEI the aaarE.• OUnlimited earnings X Q CALL wzm 1-877-SOV-BANK YOUR LOCAL BRANCH 'Eased on mdE appmvat 0%MB on WI>rde 4sisfers taYen during the nnl6o days alter you open yow aamn�Im up to 10 moruhs depeMl Mradmt troeummy rata period mry.a rna an aed onMmss.feara,ft Aker my rtta pedpq Ealarta trend"nta goes uDt o19.99%depeMirq mlrMitwerth4yss.Rita aeerA ryaM art WSed on the Ddme Este Nmbse rate PMupto19.99%d ,I. on .Subj to Liss.llalaam va W and asd offer. Nt MMYmimnnarde purge IImres.an,t of11.90per Mgt,at any eet tempadleesapply. See 4edd(tad Agreement em litaMe.Sublet I the YmltaBOns YnpmW M this oiler,aE tenon.Im4dby the•DES and lees,ae wblelt to lirange at arry rime M aumdame whh the OMh Ord Agreemem OM apppudt Vv..Membd NIC 10109pCC Swnepr a'.N e n e 1 1010 a d ertvir Cued Meadaq d Bolen Sa1aM+.S A 020%7 Smnn, DN.NA IS O,,n ad Ann .and as Napa vertpMeOYadmvked san,oneaa.NA erd Pace of4 na CO,...SA raO!UNMV.anw.adYdmaaeada..�lm tw+eeada ad ema aa.Yna 16R1715597 Financial Summary Statement Period 1• 1 THELMA J ZIMMERMAN BARBARA A ZIMMERMAN Deposit Accounts Account Number Average Daily Balance Current Balance W-WILTI"t 9W= STATEMENT SAVINGS 1684007139 $2,539.69 $2,539.75 Total Deposits $32,461.99 PREMIER CHECKING Statement Period 1• 1 THELMA J ZIMMERMAN Account It 1681715597 BARBARA A ZIMMERMAN Balances hTj I n9 a I A n ,• ?: J:: .-.0 . - RBA a De sits/Credits +$0.00 _Avera a Dail Balance $36,223.03 rt6dta++ralslC)e I ' ' .e . 3 �H•.$13, )1',50. 1;,. o Interest ° 0 ro P,155 l d IF S e mw! ..t, i.:'?.'A': &sS 5 U.OD It Atinual Perughfixge"TZEd Earned iJn;^ " 0 o Earned this Period $0.27 Paid Last Year $3.59 �- r°wo 'The interest earned and the interest paid may differ depending on when interest is credited to your account. w o Checks Posted ° Check P Date Paid Amount Reference Check If Date Paid Amount Reference ^' 540$ . '� 1 11 c, 5409 10105 $13.296.65 971651590 0 A 9: 3 Check(s)Posted=$13,677.50 m An asterisk(')indicates a skip in sequential check numbers. An(E)indicates check was converted to an electronic item. A Account Activity V r? Date Description Additions Subtractions Balance N 09-22 Beginning Balance $43,599.74 b JOT241 CHECK 00000DWS4081W.9: 71 $4 3.314.74 10-05 CHECK 000000005409 $13,296.85 $30,077.89 3 440-12'1J}fAUL811D55S"MRCHASITi2101154iD `:-1 r":v 4':'. ' .7$t%.6674 r ;29f9221 2d U) 10-19 Ending Balance - $29,922,24 STATEMENT SAVINGS Statement Period 1• 1 THELMA J ZIMMERMAN Account#1684007139 BARBARA A ZIMMERMAN Balances e01nn g MaRo • -_ _ _, $2,339.38 MOW a ante - ' De ositsICredits 1$0.17 Avera a Dail Balance $2,539.69 thdravralslUeWte S" v: '�is•rt... =50.00 — Interest h �t. a .B -: _ a yek -a e; - ;_ ;<,: .;_e..:;. ., tU,17F. - •Aiiiigal Earned this Period $0.16 Paid Last Year $91.44 . I The interest earned and the interest paid may differ depending on when interest is credited to your account. page 2 of 16817155/7 Sovereign Account Activity Date Description Additions Subtractions Balance 09-22 Beginning Balance $2,539.58 I Will 10-19 Ending Balance $2,539.75 IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS CALL YOUR CUSTOMER SERVICE CENTER AT*1 HE NUMBER SHOWN ON THE TOP OF YOUR STATEMENT OR WRITE TO THE BANK FOR DEBIT CARD ISSUES: FOR ALL OTHER ELECTRONIC TRANSFER ISSUES: Sovereign Bank Sovereign Bank Attn:Card Disputes Tcam Attn:Client Relations MAI MB3 02 05 10-421-CRI P.O.Box 831002 P.O.Box 12646 Boston,MA 02283-1002 Reading,PA 19612-2646 ' Please contact us if von think information about an electronic transfer on your statement or receipt is wrong or if you need additional information about an electronic transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error appeared. • Tell us your name and account number. •Describe the electronic transfer error or the electronic transfer that you are unsure about and • Tell us your amount of the suspected en or. explain as clearly as you can why you believe there is an error or why you need further information. If you tell us orally,we may require you to send your complaint or question in writingwithin 10 business days. °o We will promptly investigate the matter and call or write to you with an answer within 10 business days.If we need more lime,we may lake up to 45 o days to investigate your complaint or question.If we do,we will credit your account within this 10-day period for the amount you think is in error,so N you will have a use of•ht money during the lime it lakes as to complete our mvesligaliou.ICwc ask you to put your complaint or question in writing a and we do not receive it within 10 business days,we may choose not to credit your account. 0 b For erors involving new accounts,point of tip to purchases or foreign transactions,we may lake up to 90 days to investigate your complaint or 0o question.For new accounts,we may lake up to 20 business days to credit your account for the amount you think is in error. w We will tell you tine results of our investigation within 3 business days aller completing our investigation.If we decide there was no error,we will o send you a written explanation.You may ask for copies of the documents we used in our investigation. o 0 $ IN CASE OF ERRORS OR QUESTIONS ABOUT OTHER TRANSACTIONS ON YOUR STATEMENT 0 0 CDp You must contact us within thing days after you receive your statement iCyou think a transaction,other than an electronic transfer,shown on your statement iswrong or if you need more information about the transaction. Go mYou may contact your nearest branch or our Customer Contact Center at 877-SOV-BANK. Customers with hearing impairments may call A 800-428-9121(T yY/TDD). We will investigate your dispute and tell yon the results of that investigation. v m 0 N O_ r n K m TIELLN I VMNEA4 BMeuuA LNNFANAM '"" 5408 THELM.4 J.9MMENMAN LIIAIf/'SJ-. r BnP9aw.A LMMFAMUI 5409 _ - n... .m,. -91--7112-- t T(kb�U�trc(�7v�.�calaf�oct-ep.,... g �._ � Th/2tFea7haasq..clr4wl.«A�/s�vnJ�s4r�.!_uj.'`o,. m _. 0 Sovereign BRIIX �9over�elgn 13enK M.n, p - ac 4'23 H7Q694: 166 L4 L5597✓5408 /:23L372691{ 1681915599• X09 1681715597 #5408 09/24/12 $225.00 1681715597 #5409 10/05/12 $13,296.85 0 0 0 0 N 0 A O b 0 0 c./ 0 0 b 0 0 A O O O d Q 7J o u J V O_ O N b n 3 m page 4 of - 1687775597 Sovereign Santander Statement Period 08122/12 TO 09/21/12 PREMIER CHECKING For your convenience our Customer Contact Center is available from 7 am-8 pm EST,7 days a week. Callus at 1-877-768-1143. Hearing impaired may call 1-800428-9121 (TTY7TDD). www.sove re ignba nk.com 00000539 MSBR3778092 01 0000 0000 THELMA J ZIMMERMAN 70210 BARBARA A ZIMMERMAN 211 N 19TH ST 1800007866 CAMP HILL PA 17011-3926 EXCLUSIVE DEPOSIT RATES ARE JUST THE START. 0 Premier Banking IF N customers get • • • . N premier banking rates and rewards. - - o Premier Banking means priority access to a dedicated representatives, both in-branch and Hence the name. on the phone,as well as great rates and other p exclusive rewards. v m Visit your neighborhood branch N or call 1-877-476-8562 to enjoy them for yourself. o_ r O SamegnBank NBhaMrrhWI.,`AawlwllymmMSUBtMraryolBarcoSamanAn,$ —11*'w 0qSV if &1.1 rMrf 16- I%WW QSlr-pMrmaM1 '01 Thf f.Ban4,N PmABanto$anUMe{SA,ege[IMIy.I .im-rarnntrf t Sm..n,, UQ 1'f, MaMr[wnlsirs.YWmA Am u.,4 "di a<ewn[ hiMmfmarlClO l0of&1.1111,m111ma ,m SfnIZ M. o!{E,1 ,mre,mrteeW,WnCOannnalryreenlam YieldIfrPYSI tM1ovn abae I[nlnimum A N 190 nl{SUBro RCD a(�aml,tt[n[IB[kPYt 3Mmm abavf.l.ymallywiX MimlmeAla!aelY NrlAArmJlrmmaCO/rPYy&1.1111,anQ AlrtIMa50191W1j and mry,Fary[IMr[allr,bnwx[mrnn NIPIIfi ri09PPC� Drive away with a great rate. Now is the time to get a new or used auto loan from Sovereign! Count on us for convenient ways to apply,up to 100%financing and F / flexible payment options. Or, refinance your current auto loan and we'll get you the rate and term to fit your needs. Apply today at any Sovereign Branch, call 1.877.4.SOV.LOAN (1.877.476.8562),or visit sovereignbank.com/auto. 5—f,,8-1,N n Is a M—W r IDic.ra,W,11,arced suesiaav of 13 s 0 sarla,M1.s a 9] 11 swneign Omk,Nn IsaNC,ergs and Sanlandn andd,1,ae,.Ws ,d La2maks-[S_m WNark,Nn Md page I of 8ry Nan..o s.-Aand,.sn,eer u.nv.a11—.e14r.M wesin...Irs n lnc 11W,n Slae.and nhn.m,ma- 1681715597 Period 1: 1' Financial Summary Statement THELMA J ZIMMERMAN BARBARA A ZIMMERMAN Deposit Accounts Account Number Average Daily Balance - Current Balance STATEMENT SAVINGS 1684007139 $2,539.51 $2,539.58 Total Deposits $46.139.32 PREMIER CHECKING Statement Period 1: 19 THELMA J ZIMMERMAN Account p 1681715597 BARBARA A ZIMMERMAN Balances Deposits/Credits +$0.36 Average Daily Balance $43,830+99' tVJltFidr'awalslDeMts- � 1 *:$481 7.3 - - -. Interest �tsgla i s a v v a Annua ercenta a re me _ _ Earned this Period $0.37 Paid Last Year $3.59 'id Year•T61Date :`-`.177,T7,3k, . S1.2J The interest earned and the interest paid may differ depending on when interest is credited to your account. Checks Posted Check If Date Paid Amount Reference Check 4 Date Paid Amount Reference _7C>a UM f`346Y'!""" ° �^r0�19b ''""S7a'fi^"�"°? 'D7i0f1»; 2 Checks)Posted=$231.76 An asterisk(•)indicates a skip in sequential check numbers. An(E)indicates check was converted to an electronic item. Account Activity Date Description Additions Subtractions Balance 08-22 Beginning Balance $44,080.61 1!09=04 -DISCOVER PHONE PAY 12083V0-1,Z14:-T-7 - ' $249.47 :",; $43,83-1ii4 09.07 UHAUL 811055S PURCHASE 120906 5380 $155.65 $43,675.49 09.10' CHECK 000000005407 11 ^"'--^' -1- "r- — - -116.11-7 -' 7 ','$43599:31 09-21 INTEREST CREDIT LESS FED TAX WITHHELD $0.36 $43,599.74 0.00 09-21 Ending Balance $43,599.74 STATEMENT SAVINGS�: Statement Period 1: 19 THELMA J ZIMMERMAN Account p 1684007139 BARBARA A ZIMMERMAN Balances jOe'vjrnjFM Ralande rren Balaricul r.. _,:..:. Deposits/Credits +$0.17 Average Daily Balance $2,539.51 lWflh'drawaldlDebflst "stn:+ .7 '-Ir7k Interest Fald Ifiis KRdd nua Percergage Tiela raMed 7 _ Earned this Period $0.17 Paid Last Year $91.44 iPa13YSeru�o•baTe - t .:. (•r- ; ' $t�19' : _.__ ,., ,. The interest earned and the interest paid may differ depending on when interest is credited to your account. page 2 of 4 1681715597 Sovereign Account Activity Date Description Additions Subtractions Balance 08-22 Beginning Balance $2,539.41 [6 NTEREST0REDT LESS fEC)`TAX WITHHEL'6 $0?iY $2,539.58 09-21 Ending Balance $2,539.58 IN CASE OF ERRORS OR QUESTIONS ABOUF YOUR F..LECTRONIC TRANSFERS CALL YOUR CUSTOMER SERVICE CENTER AT 1111:NUMBER SHOWN ON TIIE TOP OF YOUR STATEMENT OR WRITE TO THE BANK FOR DEBIT CARD ISSUES: FOR ALL OTHER ELECTRONIC TILANSFF-R ISSUES: Sovereign Bank Sovcicigrn Bank Alm:Card Disputes Team Ann:Client Relations MAI MB3 02 05 10-421-CRI P.O.Box 831002 P.O.Box 12646 Boslon,MA 02283-1002 Rcadmg,PA 19612-2646 Please contact us if you think information about an electronic transfer on your statement or mccipt is wrong or if you need additional information about an electronic transfer on the statement or receipt. We must hear from yon no later than 60 days after we sent you The FIRST statement on which the error appeared. • Tell us your name and account number. •Describe Ore electronic Transfer error or the electronic transfer that you arc unsure about and • Tell us the dollar amount of the suspected error. explain as clearly as you can why you believe there is an error or why you need further inrnnnation. If you tell morally,we may require you to;end your complain(or question in uniting within 10 business days. We will promptly investigate the matter and call or write to you with an answer within 10 business days If we need more time,we may lake up to 45 o days to investigate your complaint or question.If we do,we will credit your account within this 10-day period for(he amount you think is in error,so OO you will have the use of the money during the time it takes us to complete our investigation.If we ask you to Fad your complaint or question in writing u and we do not receive it within 10 business days,we may choose not to credit your account. b For errors involving new accounts,point of sale wptbusi es or foreign edit your account we may rake tip m 90 days to investigate your complaint or c question.For new amounts,we may lake tip to 2U business days to credit your account for the amount you Think is in error. We will tell you the results of our investigation within 3 business days after completing out investigation.Ifwe decide there was no error,we will bsend you a written explanation.You may ask for copies of the documents we used in our investigation. 0 °wb IN CASE OF ERRORS OR QUESTIONS ABOUT OITIER TRANSAC IONSbN YOUR STATI?MENT °on You must contact us within thirty(30)days after you receive your statement if you think a transaction,other than an electronic transfer,shown on your smterrteru is wrong or if your heed more Information about The turinsiunion. You may contact yyour nearest branch or our Customer Contact Center at 877-SOV-BANK. Customers with hearing impairments may call co co 600-42V9121(TTY/fDD). We will investigate your dispute and tell you the resultsofthnt investigation. Cow V V O V) N b_ r 0 co ionize nj4 1681715597 TIE1114 J.LM.Ex� 5407 BMIB6M,A...ERY L/IN.I7/d'Pn n /t(p� �° ^mod- /- 1.r^n1g�.�! $�v �9oveLrlgn danit R rn.��+v/-1?in��`l :21 L 7269 LG 16817151'597.'5407✓ 1681715597 #5407 09/10/12 $76.11 Page 4 of 1681715597 Sovereign 4 Santander Statement Period 07/21112 TO 08/21/12 PREMIER CHECKING For your convenience our Customer Contact Center is available from 7 am-8 pm EST,7 days a week. Call us at 1-877-768-1143. Hearing impaired may call 1-800428-9121 (TTY/TDD). www.sovereignbank.com 00000528 MSBR3778082 01 0000 THELMA J ZIMMERMAN 0 0 0 0 BARBARA A ZIMMERMAN 70210 211 N 19TH ST 1800007866 CAMP HILL PA 17011-3926 t'the Money You Need at Rates and More Flexibility v "rte i Ylv Get greater financial flexibility and control over your N Yn •, ,. Ir borrowing needs with a Sovereign Personal Line of r '41 j v Credit or Loan! C? £ 7x,J i Features & Benefits: • Interest rates are competitive and lower than many �t credit cards Y A Y° ru's� j�t • No collateral required p n ` '. `� • Use your line or loan for just about anything: travel, debt consolidation, medical expenses, major purchases like appliances or furniture, and more! o d ytr , Ey'ri 6 To apply, stop by any Sovereign Branch, call 1.877.4.SOV.LOAN,or visit sovereignbank.conn. 1 _ I]OPIX IS Try Sovereign IdentityProtectorsm for 30 days for just $1 This powerful suite of services works to detect, intercept, resolve,and help prevent identity E theft. Get the identity fraud protection you need with Sovereign IdentityPmtector . A monthly fee of $14.99 will begin after your 30-day trial is complete, unless you call , to cancel at 1.866.999.0427. Peace of mind in 4 easy steps!To find out more,stop by a Sovereign Branch,visit us at Ar sovereignbank.com/identityprotector or call 1.866.999.0634. moo Swe'ei Bad,N A Is a Member 1eICm 1,v,IN.—dwbsM1ay Mflm,m SmluntleL 51..6r IDI]Swerelgl Bad.N A I Surmmgr wd S-1-.r and ds logo ae Ieg9erebhaGemaMS ol5werci9e Hark.N A and nn vaI rd ,�„ flmco sanarder.5n,r•sperdroelv.arnelr,mlramsm srmsremr—me uened Slaee am giber ewmees 1691715W7 Financial Summary Statement Period / /' THELMA J ZIMMERMAN BARBARA A ZIMMERMAN Deposit Accounts Account Number Average Daily Balance Current Balance ��tE =4*• . 1. . 17-11W "TgE4-i ':67 STATEMENT SAVINGS 1684007139 $3,476.77 $2,539,41 Total Deposits $46,620.02 PREMIER CHECKING Statement Period 1 /: THELMA J ZIMMERMAN Account#1681715597 BARBARA A ZIMMERMAN Balances Betii6nil4de irxe-. ;.... 84�169:6d Cuirentf3alanrs .. - « ----" - _°° .'$44.1180.61 DeposiistCfedits +$56,47112 Average Daily Balance $12,419.74 Withdrawals/Debits -$16,562.15 a Interest u°o Paid this Perini' 'rt - - .$0.08 . Annual PeraeRig Yield Eamed _.... - 0.61% ^' Earned this Period $0.10 Paid Last Year $3.59 m 0 Paid Year-To-Date : $0.91 ° `The interest earned and the interest paid may differ depending on when interest is credited to your account- 0 b Checks Posted $ Check# Date Paid Amount Reference Check# Date Paid _ Amount Reference ^' =3-- "` 080$' ' $3.000:00:- 97a261635 5205 --- 08115 $1 f:$i8:72"°" '� 974624440 °0 5204 08109 $1,445.00 981407175 5206 08/15 $193.89 992579660 0 A 3 4 Check(s)Posted=$16,157.61 m An asterisk(')indicates a skip in sequential check numbers. An(E)indicates check was converted to an electronic item. V Account Activity V c Date Description Additions Subtractions Balance iu 07.21 Beginning Balance $4,169.64 b 0731 ACCOUNT TRANSFER - $3,000.00 - $7,169.64 08-01 CAPITALBLUECROSS INS,PREM 120727 $208.69 $6,960.95 0 800352358 M m 0"1 DISCOVER CARD ONLINE PMT120801 _+ - $153.65 . ... $6,807.30 CKF473987131POS 08.01 PRUDENTIAL LIFE ONLINE PMT120801 $42,20 $6,765.10 CKF473987131POS 08-03 US TREASURY 303 XXSOC SEC 080312 $1,486.90 - $8,252:00 .....,...D SSA' 08-06 DEPOSIT $2.009.40 $10,261.40 OUT DEPOSIT - - $14,505.00 i $24,766.40 08-08 CHECK 000000005203 $3,000.00 $21,766.40 08-09 CHECK 000000005204000000005204 $1,445.00 $20,321.40 08.15 PRUDENTIAL PIA PAYMENT AUG 12 $70.35 $20,391.75 A2008024 0815 CHECK 000000005205 000000005205 r $11,518.72 $8,873.03 0815 CHECK 000000005206000000005206 $193.89 $8,679.14 08.20 DEPOSIT $35,401.39 - $44,080.53 08.20 INTEREST CREDIT LESS FED TAX WITHHELD $0.08 $44,080.61 0.00 08-21 Ending Balance $44,080.61 Sovereign Period STATEMENT SAVINGS Statement 0 0: THELMA J ZIMMERMAN Account#1684007179 BARBARA A ZIMMERMAN Balances Beginning Balance $5,539.03 Current Balance . $2,539.41 Deposits/Credits +$0.38 Average Daily Balance $3,476.77 Withdrawals/Debits - -$3,000.00 Interest Paid this`Pefiod• - - - $0.38'.' Annual Percentage Yield Earned 0.08% _ Earned this Period $0.25 Paid Last Year $91.44 Paid Year,To-Date .$13.02 The interest earned and the interest paid may differ depending on when interest is credited to your account. Account Activity Date Description Additions Subtractions Balance 07-21 Beginning Balance $5,539.03 0731 ACCOUNT-TRANSFER - .$3,000.00 $2,539.03 08-02 INTEREST CREDIT LESS FED TAX WITHHELD $0.38 $2,539.41 °0 0.00 °0 08-21 Ending Balance $2,539.41 0 N N W O IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS E CALL YOUR CUSTOMER SERVICE CENTER AT THE NUMBER SHOWN ON THE TOP OF YOUR STATEMENT OR WRITE TO THE BANK m °o FOR DEBIT CARD ISSUES: FOR ALL OTHER ELECTRONIC TRANSFER ISSUES: Sovereign Bank Sovereign Bank CD Ann:Card Disputes Team Attn:Client Relations 0o MAI MB3 02 05 10-421-CRI a P.O.Box 831002 P.O.Box 12646 m Boston,MA 02283-1002 Reading,PA 19612-2646 w 27 Please contact us if o think information about an electronic Transfer on your statement or days a receipt is wrong or if you need additional information about � an elecuonic transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error appeared. co M • Tell us your name and account number. •Describe the elecuonic transfer error or duc electronic transfer that you are unsum about and • Tell us the dollar amount of the suspected error. explain as clearly as you can why you believe there is an error or why you need further o_ information. O If you tell us orally,we may require you to send your complaint or question in writing within 10 business days. mWe will promptly investigate the matter and call or write to you with an answer within I0 business days.lfwc need more lime,we may take up to 45 days to investigate your complaint or question.If we do,we will credit your account within this 10-day period for the amountyou think is in error,so you will have the use of the money during the time it lakes us to complete our investigation.If we ask you to put your complain(or question in writing and we do not receive it within 10 business days,we may choose not to credit your account. For errors involving new accounts,point of sale purchases or foreign bansactions,we may take up to 90 days to investigate your complaint or question.For new accounts,we may take up to 20 business days to credit your account for the amount you think is in crmr. We will tell you the results of our investigation within 3 business days after completing our investigation.If we decide there was no error,we will send you a written explanation.You may ask for topics of the documents we used in our investigation. IN CASE OF ERRORS OR QUESTIONS ABOUT OTHER TRANSACTIONS ON YOUR STATEMENT You must contact us within thirty(30)days after you receive your statement if you think a transaction,other than an electronic transfer,shown on your statement is wrong or if yon need more information about the transaction. N You ma contact yyour nearest branch or our Customer Contact Center at the results BANK. Customers with visual impairments may call 800-428Y9121 (TTYlIDll). We will investigate your dispute and tell you the¢subs of that investigation. ., 7Ao171ccr7 w wnrun 5203 .a�iYLYe�wMµx a+�... 5205 OZ tPi� ��AaTerelKaBaa>t 523 i3T 2593Y: L6B17i 5R7M5203 LN 523{37269 H: L68 tT i5597r5205 -� 1681715597 #5203 08/08/12 $3,000.00 1681715597 #5205 08/15112 $11,518.72 J.arxmpJlJ .. 5204 5206 a A ��L2N/o3,Q�� _ awwxswaw+wxuY j/j pp P @WP$I AYE M.Tf MMl4l!) MR�-e t� LT ap '1j Y YR U'7�.7G7+f.Z NfRblY61CMM.f4 a/f�`5a7 M�TMS�//7j�lrtal,.Plll,�I+Yyw _ J an aJ43 5 2 3 337 269 H:$ L&61Ti5 97r520�? / Y:23L372B9L�rt �KAOL 59�7os0 a 1881715597 #5204 08109112 $1,445.00 18817/5597 #5206 08/15/12 $193.89 _.. 0 0 0 N N b 0 0 a m O 0 0 a b 0 O A 3 rn m v v m 0 m N O r C) 3 m Sovereign Period STATEMENT SAVINGS Statement 0. THELMA J ZIMMERMAN Account#1684007139 BARBARA A ZIMMERMAN Balances De osits/Credits +$3.74 �Avera eDail Balance $7,261.88 Interest Earned this Period $0.45 Paid Last Year $91.44 4a s. The interest earned and the interest paid may differ depending on when interest is credited to your account. Account Activity Date Description Additions Subtractions Balance 06-22 Beginning Balance $10,535.29 t a , ..... Es�.:r w?=54 irr, ,. ». ��s..: :h, ti�M �e: '� � -' ° 07-02 ACCOUNT-TRANSFER $5,000.00 $5,539.03 0 °0 07-20 Ending Balance $5,539.03 N N N O g IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS °m CALL YOUR CUSTOMER SERVICE CENTER AT THE NUMBER SHOWN ON THE TOP OF YOUR STATEMENT OR WRITE TO THE BANK m °o FOR DEBIT CARD ISSUES: FOR ALL OTHER ELECTRONIC TRANSFER ISSUES: °w Sovereign Bank Sovereign Bank CD Arm:Card Disputes Team Attn:Client Relations o - MAI MB3 02 05 10-421-CRI ° P.O.Box 831002 P.O.Box 12646 3 Boston,MA 02283-1002 Reading,PA 19612-2646 to W A Please contact us if you think information about an u transfer on your statement or receipt is wronger if you FIRS additional information about � an electronic transfer on the statement or receipt. We e muss st hear from you no later than 60 days after we sent you the FIRST statement on which the Ca error appeared. ° • Tell us your name and account number. •Describe the ckctronic transfer error or the electronic transfer that you arc unsure about and N • Tell us the dollar amount of the suspected error. expplain as clearly as you can why you believe there is an error or why you need further C? in1'm n nWri. r- If you tell us oral( we may require you to send our complaint or question in writin within 10 business der s. Y Y. Y 9 Y Y P 9 g Y We will promptly investigate the matter and call or write to you with an answer within 10 business days.If we need more lime,we ma lake up to 45 days to invcshggatc your complaint or question.If we do,we will credit your account within this 10-day permit for the amount you Ihink is in error,so you will have the use of the money during the time It lakes its to complete our investigation.If we ask you to put your complaint or question in writing and we do not receive it within 10 business days,we may choose not to credit your account. For errors involving new accounts,point of sale Purchases or foreign transactions,we may take up to 90 days to investigate your complaint or question.For new accounts,we may take tip to 20 business days to credit your account for the amount you think is in error. We will tell you the results of our investigation within 3 business days after completing our investigation.If we decide there was no error,we will send you a written explanation.You may ask for copies of the documents we used in our investigation. IN CASE OF ERRORS OR QUESTIONS ABOUT OTHER TRANSACTIONS ON YOUR S-FAT17MENT You must contact us within thirty(30)days after you receive your statement if you think a transaction,other than an electronic transfer,shown on 4+'1rf" your statement is wrong or if you need more information about the transaction. You may contact yyour nearest branch or our Customer Contact Center at 877-SOV-BANK. Customers with visual impairments may call 800-428-9121 (TTYlfDD). We will investigate your dispute and tell you the resultsof that investigation. page of 1681775597 T EQUn J.IIMMEMUM a 5202 M"A J.LYMMA sue. 6377 MX9 n A MMMMM M �XA EAYMEAM M Ph, s3a esow mign Bank #Bow ign BauW 2313726910 {68171 597ir!i 2p2 ppp0n 3L0n' ,:231172691. 1601715597/53 7 1681715597 #5202 06/22/12 $36.00 1681715597 #5377 07/03/12 $320.80 aM�eitl�i :ra', 5189 iro�fi�sn�XMinMmn °.",°°n,' 5376 f?y/�7J�xr�.z[Filch['1•d9�t/iint��y„c.,,�J�a..^. e ,: :. Mw1ha{v<+.If�wo��tu.:.mr�ks�av=.sa.., © 2-.- 9oxe{r.1gnBank Bove3elgn Danx 1:23137269{x 16817 5597x5{99' ,:231372691,: 1681715597053 1681715597 #5199 06/25112 $8,597.70^ 1681715597 #5376 07/05/12 $9,209.45Y TX mJ.21MMF.XINX A MMMEXMGM M4MVN.rpyi� 6405 TXEI AJ.NWEPMAX MXXNN A IIMMFAMIM y' 5404 �..vex..o. Nd7S ro„ -Tv4� vT t A,,,u._ce � •,�.�-t�fine�J_7�a.+f�r^a 2�„.,..G..-. � s3p,� #BoNTmlgn Bat& #Bwemign BanX - Iar) 67-16 r1— f , 472,- 023 117269 U: 1681715597x 54D 5 O0 0080307 ,:23137269U: 3681715597x5404 1681715597 #5405 06/26/12 $80.30 _ 1681715597 #5404 07/13/12 $30.00 ' page 4 of 4 1681715597