HomeMy WebLinkAbout06-05-14 (2) a, 4
J 1505610105
REV-1500 Ex(o2-ii)(F)
OFFICIAL USE ONLY
PA Department of Revenue Pennsytvanaa
Bureau of Individual Taxes "�— County Code Year File Number
PO BOX 28o6o1 INHERITANCE TAX RETURN
_
Harrisburg,PA 37128-o6Oi RESIDENT DECEDENT
ENTER DECEDENT INFORMATION BELOW
Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY
02/23/2013 03/23/1929
Decedent's Last Name Suffix Decedent's First Name MI
Fisher Lucille B
{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
M 1. Original Return p 2.Supplemental Return O 3. Remainder Return(Date of Death
Prior to 12-13-62)
O 4. Limited Estate O 4a.Future Interest Compromise(date of C=) 5. Federal Estate Tax Return Required
death after 12-12-82)
M 6.Decedent Died Testate C=) 7,Decedent Maintained a Living Trust 8. Total Number of Safe Deposit Boxes
(Attach Copy of Will) (Attach Copy of Trust.)
CS 9.Litigation Proceeds Received O 10,Spousal Poverty Credit(Date of Death O 11. Election to Tax under Sec.9113(A)
Between 12-31-91 and 1.1.95) (Attach Schedule 0)
CORRESPONDENT- THIS SECTION MUST BE COMPLETED,ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO:
Name Daytime Telephone Number ry
Gregory R. Reed (717)238-0494 m M
o C>
REGISTEFMF WILLS USE�V :;o
M G7 C7
Z n Cn i C:)
First Line of Address :X3
z O
3120 Parkview Lane . DTs
Second Line of Address f?
ITT
f O C1
City or Post Office State ZIP Code FILED -r3 -TI
Harrisburg PA 17111
Correspondent's a-mall address:lawoffice@reedpalaw.com
Under penalties of perjury,I declare that I have examined this retum,including accompanying schedules and statements,and to the best of my knowledge and belief,
i recS a d complete.Declaration of prepare,other than the personal representative is based on alt information of which prepare,has any knowledge.
S N U E ERSON RESPOrIEILE F R FILIN?1ji DATE
6 t
ADDRES
SIGNATURE OF PREPARER OTHER THAN REPRESENTATIVE DATE
ADDRESS
PLEASE USE ORIGINAL FORM ONLY
Side 1
(_, 1505610105 7505610105
1505610205
REV-1500 EX(FI)
Decedent's Social Security Number
Decedent's Name: Lucille B. Fisher
RECAPITULATION
1. Real Estate(Schedule A). .................. .......................... 1, 154,204.66
2, Stocks and Bonds(Schedule B) ....................................... 2, •
1 Closely Held Corporation,Partnership or Sole-Proprietorship(Schedule C) ,,,,. 3.
4. Mortgages and Notes Receivable(Schedule D)............... . ..... ...... 4,
5. Cash,Bank Deposits and Miscellaneous Personal Property(Schedule E)....... 5. 16,679.60
.......,_...___.._._,.....q_,_.____..._.._.._, _...,...�+
6. Jointly Owned Property(Schedule F) G7 Separate Billing Requested ....... 6. ` 36,077,95 -
7, Inter-Vivos Transfers&Miscellaneous Non-Probate Property
(Schedule G) O Separate nte Billin 9 Requested.. r•___....__.._,_ ,_...__... �.____.__..___.._._.-,
7. 3$3,124.06
8, Total Gross Assets(total Lines 1 through 7)................. .... .. .. B. 590,086.27
9. Funeral Expenses and Administrative Costs(Schedule H)...... .. ... . ....... 9. 19,948.48
10. Debts of Decedent,Mortgage Liabilities and Liens(Schedule 1).... ........... 10.
11. Total Deductions(total Lines 9 and 10)................ ..... . ........... ti. 19,948.48
11 Net Value of Estate(Line 8 minus Line 11) ............. ...... ........... 12. _ 570,137.79
13. Charitable and Governmental Bequests/Sec 9113 Trusts for which
an election to tax has not been made(Schedule J) ........................ 13.
14, Net Value Subject to Tax(Line 12 minus Line 13) ...... ....... ........... 14. 570,137,79
TAX CALCULATION-SEE INSTRUCTIONS FOR APPLICABLE RATES
15. Amount of Line 14 taxable
at the spousal tax rate,or
transfers under Sec.9116 ;_.._. ........... ....___. ... .... .__.. ..._... ... . .... . _ _ .._ ._.�__. .. .
(a)(1,2)X.0— 15.1
16. Amount of Line 14 taxable
at lineal rate X.0!15 570,137.79 16.'w 25,656.20
17. Amount of Line 14 taxable
at sibling rata X.12 17.
18. Amount of Line 14 taxable
at collateral rate X,15 18.
19. TAX DUE ..... . ................................................... 19: 25,656.20
20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT O
Side 2
1505610205 1505610205
y
REV-1500 EX(FI) Page 3 Fite Number
Decedent's Complete Address:
DECEDENTS NAME
Lucille B. Fisher
STREET ADDRESS
2294 Gleim Court
CITY ZIP
Enola PA' 17025
Tax Payments and Credits:
1. Tax Due(Page 2,Line 19) (1) 25,656.20
2. Credits/Payments
A.Prior Payments 22,000.00
B.Discount
Total Credits(A+B} (2) 23,100.00
3. Interest
(3)
4. If Line 2 is greater than Line i +Line 3,enter the difference. This is the OVERPAYMENT.
Fill in oval on Page 2,Line 26 to request a refund. (4)
5. If Line 1 +Line 3 is greater than Line 2,enter the difference.This is the TAX DUE. (5) 2,556.20
Make check payable to: REGISTER OF WILLS, AGENT.
PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS
1. Did decedent make a transfer and: Yes No
a. retain the use or income of the property transferred......................................................................................... ❑
b, retain the right to designate who shall use the property transferred or its income............................................ ❑
c. retain a reversionary interest.............................................................................................................................. ❑ ■
d. receive the promise for life of either payments,benefits or care?...................................................................... Cl ■
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
containsa beneficiary designation? ........................................................................................................................ 111 ❑
IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES,YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN.
For dates of death on or after July 1, 1994,and before Jan.1,1995,the tax rate imposed on the net value of transfers to or for the use of the surviving spouse
is 3 percent[72 P.S.§9116(a)(1.1)(i)].
For dates of death on or after Jan. 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0 percent
172 P.S.§9116(a)(1.1)(ii)].The statute does not exempt a transfer to a surviving spouse from tax,and the statutory requirements for disclosure of assets and
filing a tax return are still applicable even if the surviving spouse is the only beneficiary.
For dates of death on or after July 1,2000:
• The tax rate imposed on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use of a natural parent,an
adoptive parent or a stepparent of the child is 0 percent[72 P.S.§9116(a)(1.2)].
• The tax rate imposed on the net value of transfers to or for the use of the 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 decedent's siblings is 12 percent[72 P.S. §9116(a)(1.3)].A sibling is defined,
under Section 9102,as an individual who has at least one parent in common with the decedent,whether by blood or adoption.
REV,1502 EX+(12-12)
� pennsytvania SCHEDULE A
r DEPARTMENT of REVENUE
tNNERiANCE TAX RETURN REAL ESTATE
RESIDENT DECEDENT
ESTATE OF: FILE NUMBER:
Lucille B. Fisher
All real property owned solely or as a tenant in common must be reported at fair market value.Fair market value is defined as the price at which property
would be exchanged between a willing buyer and a willing seller,neither being compelled to buy or sell,both having reasonable knowledge of the relevant facts.
Real property that is jointly-owned with right of survivorship must be disclosed on Schedule F.
Attach a copy of the settlement sheet if the property has been sold.
ITEM Include a copy of the deed showing decedent's interest if owned as tenant in common. VALUE AT DATE
NUMBER OF DEATH
DESCRIPTION
I All that certain condominium situate in Hampden Township,Cumberland County,
Pennsylvania,known and numbered as 2924 Gleim Court,Enola,Pennsylvania.
This real estate was sold in an arms length private sale,a copy of the settlement
sheet being attached hereto,marked Exhibit"I"and incorporated 154,204.66
herein by reference.
Net Proceeds$154,204.66
TOTAL(Also enter on Line 1, Recapitulation.) $ 154,204.66
If more space Is needed,use additional sheets of paper of the same size,
REV-isoa Ex+08-u)
Pennsylvania SCHEDULE E
0 DEPARTMENT OF REVENUE CASH, BANK DEPOSITS & MISC.
INHERITANCE TAX RETURN PERSONAL PROPERTY
RESIDENT DECEDENT
ESTATE OF: FILE NUMBER:
Lucille B. Fisher
Include the proceeds of litigation and the date the proceeds were received by the estate.
All property jointly owned with right of survivorship must be disclosed on Schedule F.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1. Riverview Bank Checking Club Account#3400034,See Riverview Bank letter dated 03/2112013 50.00
attached hereto,marked Exhibit"2"and incorporated herein by reference.
2, 205 Shares of Prudential Financial,Inc.with a date of death value of 81.12 per share.See Yahoo Financial 16,629.60
printout attached hereto,marked Exhibit"3"and incorporated herein by reference.
TOTAL(Also enter on Line 5, Recapitulation) $ 16,679.60
If more space is needed,use additional sheets of paper of the same size.
REV-1511 Ex+ (08-13)
2,pennsyLvania SCHEDULE H
DEPARTMENT OF REVENUE FUNERAL EXPENSES AND
INHERITANCE TAX PETURN ADMINISTRATIVE COSTS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Lucille B. Fisher
Decedent's debts must be reported on Schedule I.
ITEM
NUMBER DESCRIPTION AMOUNT
A. FUNERAL EXPENSES:
Reception 457.38
VFW Post(Rental for Reception) 315.00
e, ADMINISTRATIVE COSTS:
1, Personal Representative Commissions: 2,500.00
Name(s)of Personal Representative(s) Stephen M. Nattichia
Street Address
City Mechanicsburg _i State_ PA zip 17050
Year(s)Commission Paid: 2014
Z. Attorney Fees: 7,000.00
3, Family Exemption: (If decedent's address is not the same as claimant's,attach explanation.)
Claimant NIA
Street Address
City_ _ State ZIP
Relationship of Claimant to Decedent
4. Probate Fees: 413.50
S. Accountant Fees: 325.00
6, Tax Return Preparer Fees: 420.00
7, Advertise Estate(The Sentinel and Cumberland Law Journal) 211.44
S. Visiting Angels(Last Illness) 48.00
9. Holy Spirit Hospital(last illness) 982.60
10. West Shore EMS(last illness) 317.28
11. Internist of Central Pa(last illness) 132.31
12. See Attached Continuation Page
TOTAL(Also enter on Line 9, Recapitulation) $ 19,948.48
If more space is needed,use additional sheets of paper of the same size,
REV21513 EX+ (01-10)
pennsylvania SCHEDULE 7
DEPARTMENT OF REVENUE
INHERITANCE TAX RETURN BENEFICIARIES
RESIDENT OECEDENT
ESTATE OF: FILE NUMBER:
Lucille B. Fisher
RELATIONSHIP TO DECEDENT AMOUNT OR SHARE
NUMBER NAME AND ADDRESS OF PERSON(5)RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE
I TAXABLE DISTRIBUTIONS{Include outright spousal distributions and transfers under
Sec.9116(a)(1.2).1
1. Lynn R.Fisher 250 Fairway Drive,Etters,PA 17319 Son nonprobate and 115
2. Michael T,Fisher 403 North 48th Street,Harrisburg,PA 17111 Son nonprobate and 1/5
3. Stephen M.Natcchia 35 Springdale Way, Mechanicsburg,PA 17050 Son nonprobate and 115
4. Nicholas Bruce Natcchia 3000 Locust lane,Harrisburg,PA 17109 Son nonprobate and 1/5
5. Michael Steven Fisher 47 S.East Street,Carlisle,PA 17013 Grandson 1/20th of residue
8. Shane Michael Fisher 47 S.East Street,Carlisle,PA 17013 Grandson 1/20th of residue
7. Austin Rusell Fisher 47 S.East Street,Carlisle,PA 17013 Grandson 1/20th of residue
8. Susan D.Kline,47 S.East Street, Carlisle,PA 17013 Grand daughter 1/20 of residue
ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18 OF REV-1500 COVER SHEET,AS APPROPRIATE.
II NON-TAXABLE DISTRIBUTIONS
A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX 15 NOT TAKEN:
1.
B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS:
1.
TOTAL OF PART II—ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET, $
If more space is needed,use additional sheets of paper of the same size.
OMB Approval No. 2502-0265
v
A. Settlement Statement (HUD-1) HUD-1
Page 1 of 3
B. Type of Loan
1.❑FHA 2.❑RHS 3.❑X Conv. Unins. 6. File Number: 7. Loan Number: 8. Mortgage Insurance Case Number:
4.❑VA 5.❑Conv. Ins. 401400437-SK 7130727238
C.NOTE: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown.
Items marked "(p.o.c.)"were paid outside the closing; they are shown here for informational purposes and are not included in the
totals.
D. Name and Address of Borrower E.Name and Address of Seiler F. Name and Address of Lender
BONNIE K. BAILEY STEPHEN M. NATICCHIA,EXECUTOR OF ERA HOME LOANS
30 EAST PINE STREET ESTATE OF LUCILLE B. FISHER 1 MORTGAGE WAY,
ENOLA, PA 17025 MOUNT LAUREL,NJ 08054
G. Property Location H.Settlement Agent
SECURED LAND TRANSFERS, LLC
2294 GLEIM COURT, 485 ST.JOHNS CHURCH ROAD ,
ENOIA,PA 17025 SHIREMANSTOWN ,PA 17011
Phone : (717)901-8342
COUNTY: CUMBERLAND -
PARCEL ID: 10-13-0997-037 Place of Settlement I.Settlement Date 04/18/2014
TOWNSHIP: HAMPDEN TOWNSHIP
3915 MARKET ST Disbursement Date 04/18/2014
CAMP HILL, PA 1.7011
J. Summary of Borrower's Transaction K. Summary of Seller's Transaction
100.Gross Amount Due from Borrower 400.Gross Amount Due to Seller
101. Contract Sales Price $17p1000.00 401. Contract Sales Price $170,000.00
102. Personal Property 402. Personal Property
103. Settlement charges to borrower line 1400 $5,558.29 403.
104. 404,
105, 405.
Adjustment for items paid by seller in advance Adjustment for items paid by seller in advance
106. City/Town Taxes 406. City/Town Taxes
107. County Taxes 431.39 r4/18/2014 to 1/1/2015 $304.93 407, County Taxes 431.39) r4 18/2014 to I/i 2015 $304.93
108. Assessments 408. Assessments
109. School Taxes 1 480.511 r4/18/2014 to 7/1/2014 $300.16 409. School Taxes 1,480.51) r4/18/2014 to 7/1/2014 $300.16
110. 2nd Quarter Sewer/Trash Bill 155.05/qtr for $126.06 410. 2nd Quarter Sewer/Trash Bill 155.05/qtr for $126.08
4/18/2014 to 7/112014 4J 18]2014 to 7/1/2014
Ill. April HOA Dues 76.00/mo for 4/18/2014 to $32.93 411. April HOA Dues 76.00/mo for 4/18/2014 to $32.93
5/1/2014 5/1!2014
112. 432.
120.Gross Amount Due from Borrower 176,322.39 412 Gross Amount Due to Seller ;170 764.1(
200.Amounts Paid by or in Behalf of Borrower 500. Reductions In Amount Due to Seller
201. Deposit or earnest money $2,500,00 501. Excess Deposits
202. Principal Loan Amount from ERA Home Loans $130,000.00 502. Settlement Charges to Seller $13,559.41
203. Existing loans taken subject to 503. Existing span(s)taken subject to
204, 504.
205. 505.
206. 506.
207. 507.
208. 508.
209, 509.
Adjustments for items unpaid by seller Adjustments for items unpaid by seller
210. City/Town Taxes 510. City/Town Taxes
211. County Taxes 511. County Taxes
212, Assessments 512. Assessments
213. Seller Paid Closing Costs $3,000.00 513. Seiler Paid Closing Costs $3,000.0
214. 514.
215. 515.
216. 516.
217. 517.
218, 518.
219. 519.
220.Total Paid for Borrower 1$135,500.00 520.Total Reduction Amount Due Seller 16,559.4
300.Cash at Settlement from/to Borrower 600.Cash at Settlement to/from Seller
301 Gross amount due from borrower(line 120 $176,322. 601 Gross amount due to sellef liline 422 $170,764.:
4135500 1602. Less reductions in amount due seller(line 520) $16,119
4014e0437-SK, HUD-1 Page 2 of 3
L. Settlement Charges
700.Total Real Estate Broker Fees$10695.00
Division of Commission line 700 as follows: Paid From Paid From
Borrower's Funds Seller's Funds
701. $5295.00 to ERA-NRT LLC($5,100.00 + $195.00 = $5,295.00 At Settlement At Settlement
702. $5400.00 to ERA-NRT LLC ($5,100.00 + $300.00 = $5,400.00)
703. Commission paid at settlement $300.00 $10,395.00
704.
800.Items Payable in Connection with Loan
801. Our origination charge $603.00 from GFE #1
802. Your credit or charge(points)for the specific interest rate chosen -$1,125.00 from GFE #2
803. Your adjusted origination charges from GFE A -$522.00
804. Appraisal Fee to STARS from GFE #3 515.00
805. Credit report to CBC INNOVIS INC from GFE #3 $8.34
806. Tax Service from GFE #3
807. Flood Cert. Fee from GFE #3
808.
900.Items Required by Lender to Be Paid in Advance
901. Daily interest charges from 04/18/14 to 05/01/14 @ 16.65/day ERA Home (from GFE #10) $216.45
Loans
902. Mortgage Insurance Premium from GFE #3
903. Homeowner's Insurance Nationwide POC B $353.3600 from GFE #11
904.
100o.Reserves Deposited with Lender
1001.Initial deposit for your escrow account from GFE #9 $1,291.00
1002,Hazard Ins. Reserve 3.0000 month(s) @ 29.45/ month(s) to ERA Home $88,35
Loans
1003.City Property Taxes 3.0000 month(s) @ 36.68/ month(s)to ERA Home $110.04
Loans
1004.School Taxes 11.0000 months @ 123.38/ months to EFM Home Loans $1,357.18
1005.Aggregate Accounting Adjustment to ERA Home Loans -$264.57 -
1006.
1007.
"Owner'stitle le Charges -
le services and lender's title insurance to Secured LaMLand from GFE #4 $1,580.00 $10.00
ttlement or closin fee to Secured Land Transfers, LL25.00 -
ner's title insurance to Secured Land Transfers LLC from GFE #S 200.00nder's title insurance to Secured Land Transfers LLC ,250.00 nder's title olic limit 130 000.00 ner'stitle olic limit 170,000.00 ent's portion of the total title insurance premium to S ,305.00 ansfers, LLC
1108.Underwriter's portion of the total title insurance premium 45.00 --
11109.Insured Closing Protection Le tter to TRGC $75.00
120o.Government Recording and Transfer Charges
1201.Government recordin char es from GFE #7 174.00 - _
1202.Deed 67.00 M-,-- 24 PG MTG tl 07.00 Releases from GFE #B $1.700.00 _
1203.Transfer taxes
1204.Cit /Coun tax/stam s Deed $1700.00 Mort a e$ $1 700.m
1205.State tax/stam s Deed tl 700.00 Mort a e
1206.
1300.Additional Settlement Charges 19.50
1301.Re uired services that ou can sho for from GFE #6 $
1302.Flood Certification To: STARS 19.50 -
$520.0(
1303.Home Warran to American Home Shield $20,0r
1304.Tax Cert Reimbursement to Ma norie Berkheimer $431.3'
1305.2014 Count /Tw Taxes to Michael Langan,Tax Collector $155.0_
1306.2nd uarter Sewer/Trash Bill to Ham den To.-Kip Sewer Authorit $100.0-
1307.Deed Pre Fee to ERA-NRT, LLC $100.0
1308.Resale Cert Fee to Sowers Realt Services $50.0
1309.Deli uent April HOA fees to Quigley Cove Homeowners Association Inc. $76.00
1310.May HOA Month! Fee to ui le Cove Homeowners Association Inc. $3.0
1311.Du licate Bill Fee to Michael Langan,Tax Collector $75.0
1312.Roof Repair to Yin st Homes Inc. ;5,558.29 $13,559.4
1400.TOtal Settlement Charges (enter on lines 103,Section 7 and 502,Section K)
It you have any questions about the settlement charges and loan terms listed on this form,please contact your lentler.Settlement agent is not responsible for content of
lenders assessments on HUD.
The seller's and borrowers signatures hereon acknowledge their approval:md signify their understanding that tax and insurance prorations and reserves are base on
Flgures for the preceding year or supplied by others or estimated for the current year,and in the event of any change for the cunent year,all necessary adjustments will b:
made between borrower and seller directly.Any defidt delinquent:axe^o;momg pn nw zdae an'ld bet eri,itPSl true and accu ate statement of all re e�pt and10 sDUrsement*
Qtt1N0043,2-9K' HUD-1 Page 3 of 3
Comparison of Good Faith Estimate (GFE) and HUD-1 Charges
Charges That Cannot Increase HUD-1 Line Good Faith HUD-1
Number Estimate
Our origination charge # 801 $603.00 $603.00
Your credit or charge(points)for the specific interest rate chosen #802 $1,125.00 ($1,125001
Your adjusted on ination charges # 803 522.00 01.
Transfer taxes # 1203 $3,410,00 1 700.00
Charges That in Total Cannot Increase More Than 10% MUD-1 Line Good Faith HUD-1
Number Estimate
Government recording charges # 1201 $299.00 $174,00
Appraisal Fee # 804 $515.00 $515.00
Credit Report Fee # 805 $8.34 $8.34
Title Services- tender's Insurance # 1101 $515.00 $1,580.00
Owner's Title Insurance # 1103 $1,250.00 $200,00
Flood Certification # 1302 $19.50 19.50
Total ;2,606.84 $2,496.64
Increase between GFE and HUD-1 cha es {$ilo.00) or -4.22°l0
Charges That Can Change Good Faith HUD-1
Estimate
Initial deposit for your escrow account # 1001 $1,291.00 $Ir291.00
Daily interest charges #901 16.65/da $216.45 $216.45
Homeowner's Insurance # 903 0.00 353.36
Loan Terms Loan Number: 7130727238
Your initial loan amount is $130,000.00
Your loan term is 30 years
Your initial interest rate is 4.61 °f°
_$6.67._2.2 includes
Your initial monthly amount owed for principal, interest Il^I Principal
and any mortgage insurance is I n I Interest
Mortgage Insurance
ONo. ❑Yes, it can rise to a maximum of %.The first
change will be on _• and can change again
Can your interest rate rise? every _„__.• _______r__•_._ after •__^_, . Every change date,
your interest rate can increase or decrease by %. Over
the life of the loan,your interest rate is guaranteed to never be lower
than %or higher than °lo.
Even if you make payments on time,can your loan balance
rise? No.❑Yes, it can rise to a maximum of$
_._....__........ .......
Even if you make payments on time, can your monthly Q No. ❑ Yes,the first increase can be on and the
amount owed monthly amount owed can rise to $ .The maximum it can
for principal,interest and mortgage insurance rise? ever rise to is$
Does your loan have a prepayment penalty? No. ❑Yes, your maximum prepayment penalty is$ _�,,,„•,________
0 No. ❑Yes, you have a balloon payment of$ due in
Dods your loan have a balloon payment? years on
You do not have a monthly escrow payment for items,such as property
taxes and homeowner's insurance. You must pay these items directly yourself.
0 You have an additional monthly escrow payment of 169.51
that results in a total initial monthly amount owed of$ _ _ 856._73 .
Total monthly amount owed including escrow account This includes principal, Interest, any mortgage insurance and any items
payments checked below:
Property taxes �Homeowner's insurance
Flood insurance ❑ ,......._. .__-... .................
RIVERVIEW BANK
AND 17 QPE RATING (�I v I SI0315
200 Front Street,PO Box B,Marysville,PA 17053
www.riverviewbankpa.com -
March 21, 2013
Gregory R Reed RE: Lucille B Fisher
Attorney At Law DOD:2/23/2013
3120 Parkview Lane
Harrisburg, PA 17111
Account Numlier(s) 100105211 3400034
Type of Account Checking Christmas Club
Date Opened September 21, 2009 September 2$, "
Principal Balance at date of death $72,155.90 $50.00
Interest Rate 1.0000% 0.2500%
Accrued Interest not
disbursed as of date of death $27.83 $0.03
Manfrity Date N/A N/A
Primary Owner of Account Lucille B Fisher Lucille B Fisher
Name of Joint-0wnet'(s),if any Stephen M'Naticchia N/A
Beneficiary,if any N/A N/A
Date Joint Ownership was .
Established September 21.2009 N/A
If within I year of death of
Decedent could,prior Account -
Be traced into a prior Joint
Account in existence over
1 year prior to death of
Decedent NIA N/A
N/A
Safe Deposit Box(s)and Location
By: _�� ��
Leslie Miller, Operations Support Specialist
Halifax Bank Marysville Bank
300 Market Street "arysville 200 Front Street
PO Box A PO Box B
�,f BQ Halifax,PA 77032 Marysville,PA 17053
www.halifaxbankpa.com www.marysvillebankpa.com
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I I !
,> BANKERS For the life of
LIFE AND CASUALTY COMPANY Your retirement
Branch Sales Office
Kevin R.Lachance
Insurance Agent '
March 22, 2013
Law Office of Gregory R. Reed
3120 Parkview Lane
Harrisburg, PA 17111
Dear Greg-
I am providing the following information as per your request regarding the estate of Lucille B. Fisher.
Contract Type Policy# Owner Beneficiary Date of Death Value
Fixed Annuity 7913045 Lucille B. fisher Stephen M. Naticchia (Son) $ 45,180.41•
Fixed Annuity 7923356 Lucille B. fisher Stephen M. Naticchia (Son) $112,974.59
Please contact me directly if you need any additional information.
I appreciate very much your help with this case.
Belsst{Regards,
Kevin Lachance
Insurance Agent, PHC, MDRT, CLTC
Bankers Life &Casualty Company
1215 Manor Drive Suite 300
Mechanicsburg, PA 17055
Office: (717)-791-2100
Direct: (717)-329-5129
C PRESIDENT'S
J IR CIRCLE
2.013
1215 Manor Drive Suite 300+Mechanicsburg,PA 17055 •t 717.791.2100
Fax Server 3/18/2013 9: 19.46 AM PAGE 2/002 Fax Server
Prudennat Annuities
�rudent°p de6$l A Business of Prudential Financial,Inc,
.�1.
P.O.Snx
Philadelphia-.P PA 191 76
(888)778-2888 TTY:(800)654-7637
www,pmdential.com
ATTN GREGORY REED Re:Lucille B Fisher
FAX 717-238-8469 Contract Number:E0124915
March 18, 2013
Dear Mr.Reed:
We have received Robert D Farabaugh's inquiry on the above contract.
The date of death value as of February 23, 2013 was$77,700.34
If you have any questions,please call the Prudential Annuity Service Center at(888)778-2888. The
Service Center is open Monday through Thursday between 8:00 a.m. and 7:00 p.m. and Friday between
8:00 a.m. and 6:00 a.m.Eastern time. If you are using a telecommunications device for the hearing
impaired,you may call(800)654-7637,Monday through Friday between 8:00 a.m. and 8:00 p.m.Eastern
time.
Sincerely,
Annuity Service Center
Prudential Financial
Variable annuities are issued by Pmeo Life insurance Company(in New York by Ponca Life Insurance Company of New Jersey`).Both companies are
located in Newark NJ.Variable annuities are distributed by Prudential Annuities Distributors,Inc.,Shelton,CT.Fixed annuities are issued by The
Prudential Insurance Company of America. All are Prudential Financial companies and each is solely responsible for its own financial condition and
contractual Obligations.
(Page 1 of I]
Fag Server 3/18/2013 10:32:54 AM PAGE 2/002 Fax Server
Prudential Annuities Life Assurance Corporation
Annuity Service Center
P.O.Box 7966 Prudential Annuities
Philadelphia,PA 19176
Fax:(800)207-7806
Fm
TO: Attn:Gregory Reed From CONTRACT MAINTENANCE DEPT .
Fa:C 717-238-8489 Pages: 1
Phone: Date: 03118/2013
Re: Contract No E0124915 CC:
d+ Urgent 4 For Review 4 Please Comment 4,Please RePly 41 Please Fill
a Comments:As requested,please find enclosed the beneficiary endorsement for the above contract.
25% Primary Beneficiary—Lynn Fisher,Son
25% Primary Beneficiary—Michael T Fisher,Son
25%Primary Beneficiary—Bruce Naticchia,Son
25%Primary Beneficiary—Stephen Naticchia,Son
Fax Server 3/15/2013 4 :02:35 PM PAGE 1/001 Fax Server
Prudential Amities*
A Ausme ss of Pmdeotial Financial,Inc.
P.O. 50
/j Prudential Phitddpma,P
A 19175
(888)778-2888
March 15,2013
GREGORY REED Contract Owner:Lucille B.Fisher
FAX: (717)238-8469 Contract Number: F0124915
Re:Cost Basis
Dear Mr.Reed:
Thank you for doing business with Prudential Annuities.We are writing with regard to your inquiry concerning the cost basis for the
above referenced contract.Below is a breakdown of the cost basis and earnings as of 3113/2013:
Death Benefit Pro-TEFRA Post-TEFRA Pre-TEFRA Post-TEFRA
Value Cost Basis Cost Basis Earnings Earnin c
$82,954.70 $N/A $63,434.07 $N/A $ 19,520.63
We have presented this information based on our understanding of tax law.You may wish to consult with your tax advisor if you have
any tax questions.Because each situation is unique,neither Prudential nor its representatives can provide tax advice.
Your satisfaction is our top priority.If you have questions,please contact your financial professional or our Annuities Service Center
at(888)778-2888. Representatives are available to assist you Monday through Thursday,between 8:00 a.m.and 7:00 p.m.,and
Friday between 8:00 a.m.and 6:00 p.m.ET.
Sincerely,
Nick Narisi
Annuity Tax Support
Annuities am issued by The Prudential Insurance Company of America and Pmco Life Insurance Company(in Nov York by Pruco We Insurance
Company of Neav Jersey),all located in Newark,NJ,or by Pndentiai Annuities We Assurance Corporation,Shelton,Cr.Annuities are distributed by
Prudential Annuities Distributors, Inc., Shelton,CT.All arc Pmdentiai Financial, Inc. companies,and each is solely responsible for its own financial
condition and contractual obligations
CostRuis tncomingReques tF'romClimt-CI,2012
Fax Server 3/18/2013 9:30:58 AM PAGE 2/002 Fax Server
Prudential Annulda
r A Business of Prudential Financial,Inc.
Prudential P.O.Boa 7960
Philadelphia,PA 19176
(888)778.2888 TTY:(800)654-7637
w v pmdcmial.com
ATTN GREGORY REED Re: Lucille B Fisher
FAX 717-238-8469 Contract Number: F0781032
March 18,2013
Dear Mr. Reed:
We have received Robert D Farabaugh's inquiry on the above contract.
The date of death value as of February 23,2013 was 523,059.07
If you have any questions,please call the Prudential Annuity Service Center at(888)778-2888. The
Service Center is open Monday through Thursday between 8:00 a.m. and 7:00 p.m. and Friday between
8:00 a.m. and 6:00 a.m.Eastern time. If you are using a telecommunications device for the hearing
impaired,you may call(800)654-7637,Monday through Friday between 8:00 a.m. and 8:00 p.m. Eastern
time.
Sincerely,
Annuity Service Center
Prudential Financial
variable twines are issued by Pmco Life Insurance Company(in Nrn York by Pmco we Insurance Company of New Jersey).Both companies are
located in Nt vmt NJ, variable annuities are distributed by Prudential Anmritics Distributors,Inc.,8heaon,CT.Fixed amatilits are issued by The
Prudential InSaInnee Cnmpany of America. All are Prudential Financial companies and each is solely responsible for its oun financial condition and
contractual obligations.
(Page I of II
Fax Server 3/18/2013 10:2§:55 AM PAGE 2/002 Fax Server
Prudential Annuities Life Assurance Corporation
Annuity Sewn center
P.O.Box 7960 -
Philadelphia.PA 19176
Fax:(800)207.7806
Fm
TO: Attn:Gregory Reed FM"c CONTRACT MAINTENANCE DEPT
Faic 717-238-8469 Pages: 1
Phone: Date: 03118/2013
Re: Contract No E0781032 cc
• Urgent 4 For Review 4 Please Coo matt 4 Please Reply 4 Please Recycle
•Comments:As requested,please find enclosed the beneficiary endorsement for the above contract.
25%Primary Beneficiary-Lynn Fisher,Son
250/6 Primary Beneficiary-Michael T Fisher,Son
25%Primary Beneficiary-Bruce Naticchia,Son
25%Primary Beneficiary—Stephen Naticchia,Son
Fax Server 3/18/2013 9: 27:44 AM PAGE 2/002 Fax Server
Prudential Annuities
Prudential A Business of Prudential Financial,Inc.JE.fl 8R P.O.Box 7960
Naw Philadelphia,PA 19176
(888)778-2888 TTY:(800)654-7637
www.pmdenliaLcom
ATTN GREGORY REED Re: Lucille B Fisher
FAX 717-238-8469 Contract Number:E0759608
March 18,2013
Dear Mr. Rced:
We have received Robert D Farabaugh's inquiry on the above contract.
The date of death value as of February 23, 2013 was $123,209.65
If you have any questions, please call the Prudential Annuity Service Center at(888) 778-2888. The
Service Center is open Monday through Thursday between 8:00 a.m. and 7:00 p.m. and Friday between
8:00 a.m. and 6:00 a.m. Eastern time. If you are using a telecommunications device for the hearing
impaired,you may call (800)654-7637,Monday through Friday between 8:00 a.m. and 8:00 p.m. Eastern
time.
Sincerely,
Annuity Service Center
Prudential Financial
Variable annuities arc issued by Pmco Life Insurance Company(in New York,by Pmco Life Insurance Company of New Jersey).Both companies are
located in Newark,NJ.Variable anmiitics are distributed by Prudential Annuities Distributors,Inc.,Shelton,CT.Fixed annuities are issued by The
Prudential Insurance Company of America. All are Prudential Financial companies and each is solely responsible for its own financial condition and
contractual obligations,
tpage l of 11
Fax Server 3/18/2013 10:29:29 AM PAGE 2/002 Fax Server
Prudential Annuities Life Assurance Corporation
Annuity Service Center
P.O.Box 7960
Philadelphia,PA 79776 1 Prudential Annuities
Fax:(800)207-7806
Fax
To: Attn:Gregory Reed From CONTRACT MAINTENANCE DEPT
Farc 717-238-8469 Pages: 1
Phone: Date: 0 311 8/2 01 3
Re: Contract No E0759608 ee
* Urgent R For Review Ar Please Comment R Please Reply 4 Please Recycle
•Comments:As requested,please find enclosed the beneficiary endorsement for the above contract.
25%Primary Beneficiary—Lynn Fisher, Son
25%Primary Beneficiary—Michael T Fisher,Son
25% Primary Beneficiary—Bruce Naticchia,Son
25% Primary Beneficiary—Stephen Naticchia, Son
LAST WILL AND TESTAMENT
OF
LUCILLE B.FISHER
1,LUCILLE B.FISHER,now of 539 Springhouse Road,Mechanicsburg, Cumberland
County,Pennsylvania, 17050,do publish and declare this to be my Last Will and Testament,
hereby revoking all other prior wills and codicils made by me.
FIRST: Family Background and Appointment of Executor.
(A) Family and Background Information. I am married. ROBERT G.FISHER is
my Husband. I have made a knowing and deliberate choice not to have my husband as a
beneficiary, due to his health. I have two (2) children from my marriage to Robert G. Fisher, my
daughter,LYNN R.FISHER and my son,MICHAEL""ISHER. I have two(2)children,
from a previous marriage, STEPHEN M.NATICCHIA and NICHOLAS BRUCE
NATICCHIA. I have three (3) grandchildren, MICHAEL STEVEN FISHER, SHANE
MICHAEL FISHER and AUSTIN RUSSELL FISHER. Throughout this Will, ROBERT G.
FISHER shall be referred to as my Husband,LYNN R. FISHER,MICHAELT.FISHER,
STEPHEN M.NATICCHIA and NICHOLAS BRUCE NATICCHIA shall be referred to as
"my children" and MICHAEL STEVEN FISHER,SHANE MICHAEL FISHER and
AUSTIN RUSSELL FISHER shall be referred to as my grandchildren. I am close to my ex-
daughter-in-law, SUSAN D. KLINE. Throughout this will SUSAN D. KLINE, shall be
referred to as my close friend. The word "issue"will include any children as well as my other
descendants.
(B) Appointment of Executor. I appoint as my Executor and Successor Executor,
the following named persons or corporations to serve without bond and without
being required to account to any Court:
(C)
Executor: My son, STEPHEN M.NATICCHIA.
Successor Executor: My son, NICHOLAS BRUCE NATICCHIA.
SECOND: Funeral and Last Illness Expenses: Taxes.
(A) Illness. Notwithstanding that my spouse survives me,I direct my Executor to pay
my funeral expenses and the expenses of my last illness from my estate.
(B) Taxes. I direct my Executor to pay any and all estate,inheritance, succession,
legacy,transfer and other death taxes or duties, by whatever name called, including any and all
interest and penalties thereon, imposed under the laws of any jurisdiction by reason of my death
n
LAST WILL AND TESTAMENT
OF
LUCILLE B. FISHER
PAGE 2
upon or with respect to any and all property included in my gross estate for the purpose of such
taxes, whether such property passes under or outside of this Will. Without any apportionment
otherwise required by law and without being prorated or apportioned among or charged against
the respective devises, legatees, beneficiaries,transferees,or other recipients of any such
property or charged against any property passing or which may have passed to any of them,I
direct that any taxes so paid shall be charged against my residuary estate. My Executor shall not
be entitled to reimbursement for any portion of any such taxes from any such person.
THIRD: Tangible Personal Property. Except for my jewelry and any items enumerated in the
Letter of Instruction,I bequeath all my tangible personal property,including but not limited to
clothing,heirlooms, furniture, household furnishings, personal effects, motor vehicles, and all
other similar articles,which I own, and the insurance thereon,to my Children, LYNN R.
FISHER,MICHAEL S. FISHER,STEPHEN M.NATICCHIA and NICHOLAS BRUCE
NATICCHIA. My Children may choose items of my tangible personal property, including but
not limited to clothing,heirlooms, furniture, household furnishings,personal effects, motor
vehicles,and all other similar articles,which I own,and the insurance thereon. My Children shall
make their choices in accordance with their ages, with the eldest choosing first, and so on.
Should my Children not choose all the items of my tangible personal property, I direct my
Grandchildren,MICHAEL STEVEN FISHER,SHANE MICHAEL FISHER and AUSTIN
RUSSELL FISHER and my close friend, SUSAN D. KLINE shall have the option to choose
items of my tangible personal property,including but not limited to clothing, heirlooms,
furniture,household furnishings,personal effects,motor vehicles, and all other similar articles,
which I own, and the insurance thereon. My Grandchildren shall make their choices in
accordance with their ages,with the eldest choosing first, and so on. My Close Friend shall have
her choice after each of my Grandchildren has chosen. All items of tangible personal property
not chosen shall be sold and the proceeds therefrom shall be deposited into my residuary estate.
I bequeath all my jewelry which I own at the time of my death to be divided among my
Sisters, MARION PALM,JOYCE GREENINGER and ROSE CASTLEBERRY. My
Sisters shall make their choices in accordance with their ages with the eldest choosing first and
soon. Should my sisters not choose all pieces of my jewelry,I direct my Close Friends, SUSAN
D.KLINE,JUDY FISHER,JANET LECHTHALER,PAT DRAWBAUGH and SALLEY
ICEMAN, shall have the option to choose pieces of my jewelry in the order in which they are
stated in my Will. All pieces of jewelry not chosen shall be sold and the proceeds therefrom
shall be deposited into my residuary estate.
LAST WILL AND TESTAMENT
OF
LUCILLE B.FISHER
PAGE
Tangible personal property shall not include: (1)any and all property used by me in any
business, (Z)cash on hand or on deposit in banks, (3)stock or securities, (4)any type of evidence
of indebtedness, and(5) any life, health or accident insurance policies.
Notwithstanding any other provisions in this Article THIRD, I may leave a separate,
dated and unsigned Letter of Instruction,which I shall place with my Will, containing directions
as to the ultimate disposition of certain of the property bequeathed under this Article THIRD,
and such Letter of Instruction shall determine the distribution of such items.
FOURTH: Family home I direct that my family home,at 534 Springhouse Road,
Mechanicsburg, Cumberland County,Pennsylvania, 17054,be offered for sale at its appraised
value to my children,LYNN R. FISHER,MICHAEL S. FISHER, STEPHEN M.
NATICCHIA and NICHOLAS BRUCE NATICCHIA and Grandchildren, MICHAEL
STEVEN FISHER,SHANE MICHAEL FISHER and AUSTIN RUSSELL FISHER. If my
Children or Grandchildren do not choose to purchase my family home, I direct my family home
be sold in the sole discretion of my Executor. Whether my family home is sold to my Children,
Grandchildren or to a third party, the net proceeds there from shall be added to the residue of my
estate.
FIFTH: Residuary Estate. I devise and bequeath all of the rest,residue and remainder of my
estate, real,personal and mixed,of whatever nature and wherever situated to which I am legally
or equitably entitled, into five(5)equal portions. Each of my Children,LYNN R.FISHER,
MICHAEL S.FISHER,STEPHEN M. NATICCHIA and NICHOLAS BRUCE
NATICCHIA shall receive one(l)portion. My Grandchildren and Close Friend,MICHAEL
STEVEN FISHER,SHANE MICHAEL FISHER AUSTIN RUSSELL FISHER and
SUSAN D.KLINE,shall equally divide the fifth (5 )portion of my residuary estate.
Should any of my Children predecease me OR upon their death prior to receiving their
full share of my residuary estate, I direct that Child's share of my residuary estate to be equally
divided among my remaining surviving Children. Should any of my Grandchildren and Close
Friend predecease me OR upon their death prior to receiving their full share of my residuary
estate, I direct that Grandchild or Close Friend's share of my residuary estate to be equally
divided among my remaining surviving Grandchildren and Close Friend.
SIXTH: Power's of Executor. In addition to the powers and duties as may have been granted
elsewhere in this Will, but subject to any Iimitations stated elsewhere in this Will,the
LAST WILL AND TESTAMENT
OF
LUCILLE B. FISHER
PAGE
Executor shall have and exercise exclusive management and control of the Estate and shall be
vested with the following specific powers and discretion, in addition to the powers as may be
generally conferred from time to time upon the Executor by law:
(A) In the management, care and disposition of the Estate,the Executor shall have the
power to do all things and to execute such instruments, deeds, or other documents as may be
deemed necessary or proper, including the following powers, all of which may be exercised
without order of or report to any Court:
(1) To sell, exchange or otherwise dispose of any property at any time held or
acquired hereunder, at public or private sale, for cash or on terms, without advertisement,
including the right to lease for any term notwithstanding the period of the Estate, and to
grant options, including any option for a period beyond the duration of the Estate.
(2) To invest all monies in such stocks,bonds, securities,mortgages, notes,
choses in action,real estate or improvements thereon, and any other property as the
Executor may deem best, without regard to any law now or hereafter enforced limiting
investments of fiduciaries or issued by a parent or affiliate company of such Executor.
(3) To retain for investment any property deposited with the Executor hereunder.
(4) To vote in person or by proxy any corporate stock or other security and to
agree to or take any other action in regard to any reorganization,merger, consolidation,
liquidation, bankruptcy or other procedure or proceedings affecting any stock, bond, note
or other security.
(5) To use attorneys, real estate brokers, accountants and other agents, if such
employment is deemed necessary or desirable, and to pay reasonable compensation for
their services.
(6) To compromise, settle or adjust any claim or demand by or against the Estate
and to agree to any rescission or modification of any contract or agreement affecting the
Estate.
(7) To renew any indebtedness, as well as to borrow money, and to secure the
same by mortgaging, pledging or conveying any property of the Estate.
Ij LAST WILL AND TESTAMENT
I OF
LUCILLE B. FISHER
PAGE 5
(8) To retain and carry on any business in which the Estate may acquire an
interest, to acquire additional interest in any such business,to agree to the liquidation in
kind of any corporation in which the Estate may have an'interest and to carry on the
business thereof,to join with other owners in adopting any form of management for any
business or property in which the Estate may have an interest,to become or remain a
partner, general or limited, in regard to any such business or property and to hold the
stock or other securities as an investment,and to employ agents and confer on them
authority to manage and operate the business,property or corporation, without liability
for the acts of such agent or for any loss, liability or indebtedness of such business if the
management is selected or retained with reasonable care.
(9) To register any stock,bond or other security in the name of a nominee,
without the addition of words indicating that such security is held in a fiduciary capacity,
but accurate records shall be maintained showing that such security is an Estate asset and
the Executor shall be responsible for the acts of such nominee.
(B) . 'Whenever the Executors are directed to distribute any Estate assets in fee simple
to a person who is then under twenty-one(2 1) years of age,the Executor shall be authorized to
hold such property in Trust for such person until he/she becomes twenty-one(2 1)years of age,
and in the meantime shall use such part of the income and the principal of the Estate as the
Executor may deem necessary to provide for the proper support and education of such person. If
such person should die before becoming twenty-one(2 1)years of age,the property then
remaining in trust shall be distributed to the personal representative of such person's estate.
(C) In making distributions from the Estate to or for the benefit of any minor or other
person under,a legal disability,the Executor need not require the appointment of a guardian, but
shall be authorized to pay or deliver the same to the custodian of such person, to pay or deliver
the same to such person without the intervention of a guardian,to pay or deliver the same to a
legal,guardian of such person if one has already been appointed, or to use the same for the
benefit of such person.
(D) In the disbursement of the Estate and any division into separate trusts or shares,
the Executor shall be authorized to make the distribution and division in money or in kind,or
both, regardless of the basis for income tax purposes of any property distributed or divided in
kind, and the distribution and division made and the values established by the Executor shall be
binding and conclusive on all persons taking hereunder. The Executor may in making such
distributiono r ivision allot undivided interests in the same property to severalares.
LAST WILL AND TESTAMENT
OF
LUCILLE B. FISHER
PAGE 7
(I) Except as otherwise provided in this Will,when the authority and power under
this Will is vested in two(2)or more Executors or Trustees,the authority and powers are to be
held jointly by the Executors or Trustees, respectively. A majority of the Executors or Trustees
may exercise any authority or power granted under this Will or granted by law, and may act
under this Will. Any attempt by one such Executor or Trustee to act under this Will on other
than ministerial acts shall be void. The action of one such Executor or Trustee under this Will
may be validated by a subsequent ratification of the act by a majority of the Executors or
Trustees.
SEVENTH: Rights and Liabilities of Executor.
(A) No bond or other security shall be required of any Executor.
(13) This instrument always shall be construed in favor of the validity of any act or
omission by any Executor and any Executor shall not be liable for any act or omission except in
the case of gross negligence,bad faith or fraud. Specifically, in assessing the propriety of any
investment, the overall performance of the entire Estate shall be taken into account.
(C) If they incur additional reasonable expenses,they shall be entitled to reasonable
compensation for these additional services actually
rendered to my estate,in an amount the Executor normally and customarily charges for
performing similar services during the time which he/she performs the services.
EIGHTH: Spendthrift Provision. No beneficiary shall have the power to anticipate,
encumber or transfer his or her interest in the estate in any manner other than by the valid
exercise of a power of appointment. No part of the estate shall be Iiable for or charged with any
debts,contracts,liabilities or torts of a beneficiary or subject to seizure or other process by any
creditor of a beneficiary.
(A) In determining the estate, inheritance and income tax liability relating to my
Estate, the Executor's decision as to all available tax elections shall be conclusive on all
concerned. If the Executor joins with my spouse in filing income tax returns, or consenting for
gift tax purposes to having gifts made by either of us during my life considered as having been
made one-half by each of us,any resulting liability shall be bome by my Estate and my spouse in
such proportions as they may agree. In accordance with IRC Section 2632(a) and without regard
to whether aaFFe�d�eerral estate tax return is actually filed,my Executor shall allocate so much of the
LAST WILL AND TESTAMENT
OF
LUCILLE B. FISHER
PAGE 8
NINETH: Tax Elections.
Federal Generation Skipping Transfer(GST)exemption amount as will fully exempt any
generation skipping transfer which may occur under this Will. The Executors may, in their
discretion,determine the date as of which my gross estate shall be valued for the purpose of
determining the applicable tax payable by reason of my death.
(B) The Executors may, in their discretion,decide whether all or any part of certain
deductions shall be taken as income tax deductions (even though they may equal or exceed the
taxable income of my estate and whether or not claimed or of benefit on my estate's income tax
return)or as estate tax deductions when a choice is available; and in the event that all or any part
of such deductions are taken as income tax deductions, no adjustment of income and principal
accounts in my estate shall be made as a result of such decisions.
TENTH: Definitions and General Provisions.
(A) Survival. Any beneficiary who dies within sixty(64)days after my death shall
be considered not to have survived me.
(B) Captions. The captions set forth in this Will at the beginning of the various
articles hereof are for convenience of reference only and shall not be deemed to define or limit
the provisions hereof or to affect in any way their construction and application.
(C) Children. As used in this Will, the words "child" and "children" shall include
persons who are legally adopted and the issue of said persons, whether born in or out of
wedlock, so long as any person bom out of wedlock is acknowledged in a written instrument
executed by the one of their natural parents who is a descendant of mine to be the child of said
descendant. The word "issue" shall include descendants of all generations including adopted
persons. A posthumous child shall be considered as living at the death of his parent. The birth
to me or the
(E) Other terms. The use of any gender includes the other genders, and the use of
either the singular or the plural includes the other.
adoption by me of a child or children subsequent to the execution of this Will shall not operate to
revoke this Will. Except for discretionary distributions which may be made unequally among a
group of persons and distributions pursuant to a valid exercise of a power of appointment, in
r �
4P
LAST WILL AND TESTAMENT
OF
LUCILLE B.FISHER
PAGE 9
making a distribution to the children of any person,the property to be distributed shall be divided
into as many shares as there are living children of the person and deceased children of the person
who left children who are then living. Each living child shall take one share and the share of
each deceased child shall be divided among his then-living descendants in the same manner.
(D) Code. Unless otherwise stated, all references in my Will to section and chapter
numbers are to those of the Internal Revenue Code of 1986, as amended, or the corresponding
provisions of any subsequent federal tax laws applicable to my estate.
(F) Powers of Appointment are Exercised. By this Will I exercise any and all
Powers of Appointment which I possess at the time of my death.
IN WITNESS WHEREOF,I,LUCILLE B.FISHER,the Testatrix,have to this my
Last Will and Testament, typewritten on ten(10)pages, including the Acknowledgment and
Affidavit, set my hand and seal this /// day of November,2008.
LUCILLE B.FISHER
Signed,sealed,published and declared by the above-named Testatrix,as and for her Last Will
and Testament, in the presence of us,who have hereunto subscribed our names at her request,as
witnesses hereto, in the presence of the said Testatrix,and in the presence of each other. Each of
us further declares that he or she believes the Testatrix to be of sound mind and memory. The
preceding instrument consists of this and ten(10)other consecutively numbered typewritten
pages including the Acknowledgment and Affidavit.
residing at
S tud tC(HO
(print name)
residing at
4V l �nCVrT�
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ACKNOWLEDGMENT AND AFFIDAVIT
COMMONWEALTH OF PENNSYLVANIA
SS:
COUNTY OF CUMBERLAND
The Testatrix and the witnesses whose names are signed and subscribed to the attached or
foregoing instrument, being first duly sworn and qualified according to law, do hereby
acknowledge, depose and say to the undersigned authority,that the Testatrix signed and executed
the instrument as her Last Will in the presence of the witnesses; that she signed it willingly or
willingly directed another to sign it for her; that she executed it as her free and voluntary act for
the purposes therein expressed;that each of the witnesses were present and saw the Testatrix
sign and execute the instrument as her Last Will;that each subscribing witness in the hearing and
sight 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. f
Testatrix
' ess
Sworn to or affirmed,subscribed to, and acknowledged, before me by the above-named
Testatrix and witnesses,this jq:!l day of November, 2008.
Now LAL SEAT.
uNO+A A ClO1FEUER
Notary hAft N t rry Public
HAmpmNr&,,cumuffiANDON M Commission Expires: ,(
my commmion E¢pkei Am 21,2010