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HomeMy WebLinkAbout09-02-14 (2) 1505610143 REV-1500 EX(02-11) PA Department of Revenue OFFICIAL USE ONLY Pennsylvania County Code Year File Number Bureau of Individual Taxes W^^n^m ^ *er�aue PO 60X.280601 INHERITANCE TAX RETURN 21 13 1314 Harrisburg, PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW 12 06 2013 06 26 1929 Decedent's Last Name Suffix Decedent's First Name MI JOHNSON JACK E (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 1. Original Return ❑ 2. Supplemental Return 3. Remainder Return(Date of Death Prior to 12-13-82) ❑ 4. Limited Estate 4a. Future Interest Compromise ❑ (date of death after 12-12-82) ❑ 5. Federal Estate Tax Return Required g Decedent pytl Tesmte 7 pec ger�l Maintained a Living Trust O 8. Total Number of Safe De Attach CO of N411 Attac o of Trust posit Boxes ❑ 9. Litigation Proceeds Received ❑ 10.bblwean 12-31-�J1 and-11-95)r Death 11.Election to tax under Sec.9113(' (Attach Sched4so) s CORRESPONDENT-THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATIO$S LD BE L CTE CP Name Daytime TelephorS8NOA1b —o rn CHRISTOPHER E RICE (717) 243a A rn m M fV „a c3 .� O REGISTER OF WILILS-USC ONL]� First Line of Address r— rrt r 10 EAST HIGH STREET ' Co Second Line of Address City or Post Office DATE FILED State ZIP Code CARLISLE PA 17013 Correspondent's e-mail address: criceRDmartsonlaw.com Under penalties of perjury,I declare that I have examined this return,including accompanying schedules and statements,and to the best of my knowledge and belief, it is true,correct and complete.Declaration of preparer other than the personal representative Is based on all information of which preparer has any knowledge SIGNATU F PERSON RESPONSIBLE FOR FILING RETURN GATE df_a"1A��..e� Judith J. Fickel as X11 ADDR 10 Bentley Place Carlisle PA 17013 SIGN R OF EPARER OTHERTH EPRESENTATIVE DATE �• Christopher E. Rice ADDRESS 10 East High Street, Carlisle, PA 17013 Side 1 1505610143 1505610143 1505610243 REV-1500 EX RECAPITULATION 1. Real Estate(Schedule A)....................................................................................... 1. 0 . 00 2. Stocks and Bonds(Schedule B)............................................................................. 2. 3. Closely Held Corporation,Partnership or Sole-Proprietorship(Schedule C)......... 3. 4. Mortgages&Notes Receivable(Schedule D)........................................................ 4. 5. Cash,Bank Deposits&Miscellaneous Personal Property(Schedule E)............... 5. 120 , 115 .24 6. Jointly Owned Property(Schedule F) ❑ Separate Billing Requested............ 6. 7. Inter-Vivos Transfers&Miscellaneous Non-Probate Property (Schedule G) a Separate Billing Requested............ 7. 8. Total Gross Assets(total Lines 1 through 7)........................................................ 8. 120 , 115 . 24 9. Funeral Expenses and Administrative Costs(Schedule H).................................... 9. 26,222 . 12 10. Debts of Decedent,Mortgage Liabilities and Liens(Schedule 1)............................ 10. 12 , 069 . 87 11. Total Deductions(total Lines 9 and 10)................................................................ 11. 38 ,291 . 99 12. Net Value of Estate(Line 8 minus Line 11).......................................................... 12, 81 , 823 . 25 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. 81, 823 . 25 TAX COMPUTATION-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.00 15. 0 . 00 16. Amount of Line 14 taxable 81 823 . 25 16. 3 682 . 05 at lineal rate X .045 r r 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. 3, 682 . 05 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT. El Side 2 L 1505610243 1505610243 J REV-1500 EX Page 3 File Number 21-13-1314 Decedent's Complete Address: DECEDENT'S NAME Johnson,Jack E. STREETADDRESS 8 Broad Street CITY STATE ZIP Shippensburg PA 17257 Tax Payments and Credits: 1, Tax Due(Page 2,Line 19) (1) 3,682.05 2. Credits/Payments A. Prior Payments 7,000.00 B. Discount 184.10 Total Credits(A +B) (2) 7,184.10 3. Interest (3) 4. If Line 2 is greater than Line 1 +Line 3,enter the difference, This is the OVERPAYMENT. (4) 3,502.05 Check box on Page 2,Line 20 to request a refund 5. if Line 1 +Line 3 is greater than Line 2,enter the difference. This is the TAX DUE. (5) 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;......_....................................:................................- ❑ ❑x b. retain the right to designate who shall use the property transferred or its income;.................................. ❑ ❑ c. retain a reversionary interest;or..................._..........-...................................................................... ....... . ❑ x d. receive the promise for life of either payments,benefits or care?..................................................... ....... ❑ x 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?....... ❑ ❑x 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 QUESTIONSIS YES,YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. For dates of death on or after July 1,1994 and before Jan.1,1995,the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 3 percent 172 P.S.§9116(a)(1.1)(i)]. For dates of death on or after January 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 lax 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)1. • 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 172 P.S.§9116(a)(1)]. • The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is 12 percent[72 P.S.§9116(a)(1.3)]. A sibling is defined, under Section 9102,as an individual who has at least one parent in common with the decedent,whether by blood or adoption. Rev-1502 EX-(01-10) SCHEDULE A pennsylvania REAL ESTATE DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Johnson, Jack E. 21-13-1314 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 Include a copy of the deed showing decedent's Interest if owned as tenant in common. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 Residence-Real Estate located at 8 Broad Street,Southampton Township, Cumberland 0.00 County,PA,known as Tax Parcel No. 39-37-2092-016, being described in that certain Deed dated 11115/1994 and recorded on 11/17/1994 in Cumberland County,PA Deed Book 114, Page 1119 and being conveyed to Jack E.Johnson and Betty J.Johnson, his wife. Betty J. Johnson died on 06105/2007, leaving title solely vested in Jack E.Johnson, Decedent herein. ASSET SUSPENDED PENDING SALE OF REAL ESTATE. TOTAL(Also enter on Line 1, Recapitulation) 0.00 (If more space is needed,additional pages of the same size) Copyright(c)2010 form software only The Lackner Group, Inc. Form PA-1500 Schedule A(Rev.01-10) Rev-0508 EX.(1140) SCHEDULE E Pennsylvania CASH, BANK DEPOSITS, Sr MISC. DEPARTMENT OF REVENUE INHERITANCE TAX RETURN PERSONAL PROPERTY RESIDENT DECEDENT ESTATE OF FILE NUMBER Johnson,Jack E. 21-13-1314 Inciude Me proceeds of litigation and the date the proceeds were received by the estate, All property Is n0ya nedw litigation the right of survivorship must be disclosed on schedule F. ITEM VALUE AT DATE j NUMBER DESCRIPTION OF DEATH 1 Cash found in home 380.00 2 Jones&Martin Auctions, LLC-Proceeds from the sale of vehicles,household Items and 10,316.39 miscellaneous personal property 3 Members First Savings Account 28174-00-Date of death value 205.13 4 Members First Savings Account 281744.05-Date of death value 207.22 6 Miscellaneous Cash Deposit-Patriot FCU Prime Share 350140-00 10.31 6 Orrstown Bank Checking Account 513458-Date of death value 57,200.86 Accrued interest on item 6 through date of death 1.96 7 Patriot FCU Money Market 350140-20-Date of death value 51,178.75 Accrued interest on Item 7 through date of death 1.47 8 Patriot FCU Prime Share 350140-00-Date of death value 187.00 Accrued interest on Item 8 through date of death 0.05 9 Social Security Check-Check for November 2013,deposited after date of death 212.00 10 Adams Electric-Patronage refund 40.68 11 Nationwide Insurance-Auto Insurance, refund of overpayment 117.60 12 Sears-Money refunded to the decedent as a result of a corrected billing error on the credit 55.82 card account TOTAL(Also enter on Line 5. Recapitulation) 120,115.24 (If more space is needed,additional pages of the same size) Copyright(c)2010 form software only The Lackner Group,Inc. Form PA-1500 Schedule E(Rev.11-10) REVA611 EX.(1049) pennsylvania SCHEDULE H j DEPARWENT OF REVENUE FUNERAL EXPENSES AND RESIDENT OEC ENTTURN ADMINISTRATIVE COSTS ESTATE OF FILE NUMBER Johnson,Jack E. 21-13-1314 Decedent's debts must be reported on Schedule 1. NUMBER ITEM DESCRIPTION AMOUNT A. FUNERAL EXPENSES: See continuation schedule(s)attached 12,726.62 B. ADMINISTRATIVE COSTS: 1. Personal Representative's Commissions Name of Personal Representative(s) Judith J. Fickel Street Address 10 Bentley Place city Carlisle State PA zio 17013 Year(s)Commission Paid 5.804.61 2, Attorney's Fees Martson Law Offices 6,554.61 3. Family Exemption: (If decedent's address is not the same as claimant's,attach explanation) Claimant Street Address City State Zio Relationship of Claimant to Decedent 4, Probate Fees 413.50 5, Accountant's Fees 6. Tax Return Preparer's Fees 60.00 7, Other Administrative Costs 662.76 See continuation schedule(s) attached TOTAL(Also enter on line 9,Recapitulation) 26,222.12 Copyright(c)2009 form software only The Lackner Group,Inc. Form PA-1500 Schedule H(Rev. 10.09) SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS continued ESTATE OF FILE NUMBER Johnson,Jack E. 21-13-1314 ITEM NUMBER DESCRIPTION AMOUNT Funeral Expenses 1 Eby Granite Works -Grave marker 424.00 2 Fogeisanger-Bricker Funeral Home,Inc.-Funeral expenses 11,664.02 3 Penny Howland -Reimbursement for Community Center rental 290.00 4 South Mountain Chapel-Meal following funeral service 348.60 H-A 12,726.62 Other Administrative Costs 5 Legal Advertising-The Sentinel 201.16 6 Legal Advertising-Cumberland Law Journal 75.00 7 Nationwide Insurance-Automobile Insurance,pending sale of vehicles 321.26 8 Orrstown Bank,Deluxe Checks-Order of checks for the Estate checking account(qty=25) 16.25 9 Orrstown Bank, Deluxe Checks-Order of checks for the Estate checking account(qty=25) 16.25 10 Penny Howland-Reimbursement for paying D&L Gulf to service,maintain and prepare 32.86 decedent's vehicle for sate H-B7 66178 Copyright(c)2002 form software only The Lackner Group,Inc. Form PA-1500 Schedule H(Rev.6-98) Rev-0512 EX.(12 48) SCHEDULE i Pennsylvania DEBTS OF DECEDENT, DEPARTMENT OF REVENUE INHERITANCE TAX RETURN MORTGAGE LIABILITIES AND LIENS RESIDENT DECEDENT ESTATE OF FILE NUMBER Johnson,Jack E. 21-13-1314 Report debts Incurred by the decedent prior to death that remained unpaid at the data of death,including unreimbursed medical expenses. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 Adams Electric-Electricity,account payable 33.67 2 Borough of Shippensburg-Water,account payable(for service from 10/l/13 to 12/31/13) 38.20 3 Chapel Pointe of Carlisle-Account payable 9,753.67 4 Chapel Pointe of Carlisle-Account payable 20.23 5 Cumberland Franklin Joint Municipal Authority-Sewer,account payable 36.75 6 Cumberland Goodwill Fire Rescue EMS-Account payable(date of service 10/27113) 52.03 7 Cumberland Goodwill Fire Rescue EMS-Account payable(date of service 12103113) 731.46 8 Cumberland Goodwill Fire Rescue EMS-Account payable(date of service 10127113) 727.44 9 Millenium Pharmacy-Account payable 36.38 10 Millenium Pharmacy-Account payable 21.04 11 United States Treasury-1040A for 2013 619.00 TOTAL(Also enter on Line 10, Recapitulation) 12,069.87 (If more space Is needed,additional pages of the same size) Copyright(c)2008 form software only The Lackner Group,Inc. Form PA-1600 Schedule 1(Rev. 12-08) REV-1510 EX.(01-10) pennsylvania SCHEDULE J DEPARTMENT OF REVENUE INHERITANCE TAX RETURN BENEFICIARIES RESIDENT DECEDENT ESTATE OF FILE NUMBER Johnson,Jack E. 21-13-1314 RELATIONSHIP TO NUMBER NAME AND ADDRESS OF DECEDENT SHARE OF ESTATE MOUNT O ESTATE PERSONS}RECEIVING PROPERTY (Words) ($$$$) Do Not Ustlrnarf�.l I. TAXABLE DISTRIBUTIONS [include outright spousal distributions,and transfers under Sec.9116(a)(1.2)] Judith J.Fickel Daughter One-quarter 20,455.81 10 Bentley Place share of residue Carlisle, PA 17013 Penny Howland Daughter One-quarter 20,455.81 101 Rustic Drive share of residue Shippensburg, PA 17257 Scott Moose Grandson One-eighth share 10,227.91 11098 Hurley Drive of residue Shippensburg, PA 17257 Todd Moose Grandson One-eighth share 10,227.91 3537 Couchtown Road of residue Loysville,PA 17047 Darlene Stevenson Daughter One-quarter 20,455.81 1466 Woods Road, Lot 27 share of residue Shippensburg,PA 17257 Total 81,823.25 Enter dollar amounts for distributions shown above on lines 15 through 18 on Rev 1500 cover sheet,as appropriate, NON-TAXABLE DISTRIBUTIONS: II. A.SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN B,CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS TOTAL OF PART II-ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET Copyright(c)2010 form software only The Lackner Group,Inc. Form PA-1500 Schedule J(Rev.01-10) f TILE$$t.1,1126511 luh.,.n 12651 1 wi11 wpd LAST WILL AND TESTAMENT I, JACK E. JOHNSON, of Southampton Township, Cumberland County, Pennsylvania, being of sound and disposing mind and memory,do hereby make,publish and declare this to be my Last Will and Testament, hereby revoking any and all former Wills or Codicils made by me. 1. I direct that all my legally enforceable debts, funeral expenses, testamentary expenses and all death taxes(whether such taxes may be payable by my estate or by any recipient of any property) shall be paid from my residuary estate as soon as practicable after my decease and as part of the administration of my estate. My Executrix shall have no duty or obligation to obtain reimbursement for any such tax so paid,even though on proceeds of insurance or other property not passing under this Will. 2. I give, devise and bequeath all the rest, residue and remainder of my estate, both real and personal property, in the following manner: a. One share unto my daughter, JUDITH J. FICKEL; b. One share unto my daughter, DARLENE STEVENSON; C. One share unto my daughter, PENNY HOWLAND; and d. One share equally unto my two grandsons, SCOTT" MOOSE and TODD MOOSE. In the event any beneficiary named in Items 2(a),(b),or(c)shall predecease or fail to survive me by more than thirty(30)days,then her share shall be distributed to her issue, per stirpes,and in default of any such living issue, such share shall be distributed to the surviving beneficiaries named in this Item 2. In the event any beneficiary named in Item 2(d) shall predecease or fail to survive me by more than thirty(34)days,then his share shall be distributed to his issue,per stirpes,and in default of any such living issue, such share shall be distributed to the surviving beneficiary named in Item 2(d). If there is no living beneficiaries under Item 2(d),then the share allocated to Item 2(d) shall be distributed to the surviving beneficiaries in Items 2(a), (b), and (c). 7niti " ] Page 1 of 3 i 3. I nominate, constitute and appoint my daughter, JUDITH J. FICKEL, as Executrix of my estate. In the event she shall be unable or unwilling to so serve, then I appoint my daughters, DARLENE STEVENSON and PENNY HOWLAND, as co-Executors of my estate. 4. I direct that all fiduciaries acting under this Will, whether or not named herein, shall not be required to give bond for the faithful performance of their duties in any jurisdiction. 5. I authorize and empower my Executrix,or her successor,in her sole and absolute discretion, to purchase or otherwise acquire and retain any investments of which I die seized or any real or personal property of any nature; to sell, lease, pledge, mortgage, transfer, exchange, dispose of or grant options in regard to any or all property of any kind forming a part of my estate for such terms and such prices as they may deem advisable;to borrow money for any purposes connected with the protection and preservation of my estate;to mortgage or pledge any real or personal property forming a part of my estate or to join in or secure the partition of same; to compromise any claims or demands of my estate against others or of others against my estate;to make distribution in kind and to cause any share to be composed of cash, property or undivided fractional shares in property different in kind from any other share; to employ agents, attorneys and proxies and to delegate to them such powers as my Executrix, or her successor, considers desirable and to pay reasonable compensation for such services as may be rendered by such agents, attorneys and proxies; and to execute and deliver such instruments as may be necessary to carry out any of these powers. In addition, I direct that my Executrix, or her successor,shall have the power to conduct an inventory of any safe deposit box necessary to the administration of my estate. IN WITNESS WHEREOF I have hereunto set my hand and seal this 24`h day of September, 2013. -.` {SEAL} ack E. Johnson SIGNED,SEALED,PUBLISHED AND DECLARED by the above-named Testator,as and for his Last Will and Testament,in the presence of us,who at his request,have hereunto subscribed our names as witnesses thereto, in the presence of the said Testator and of each other. Page 2 of 3 COMMONWEALTH OF PENNSYLVANIA } SS. COUNTY OF CUMBERLAND ) We,Jack E. Johnson,Christopher E. Rice and the Testator 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 Testator signed and executed the instrument as his last Will and that the Testator has signed willingly, and that the Testator executed it as his free and voluntary act for the purposes therein expressed, and that each of the witnesses, in the presence and hearing of the Testator, signed the Will as a witness 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. Jkk E. Johnson, estta�tor Witness � Witness �`��� Subscribed, sworn to and acknowledged before me by Jack`E. Johnson, the Testator, and subscribed and sworn to bef re me by Christopher E.Rice and the witnesses, this day of September, 2013. = �f/ .tad Notary Public COhtMiONWEA LTH OF PENNSYLVANIA N<YrARlf;L SEAL Victoria L.C!to,Notary Public Carlisle Boro,Cumberland County My commission expires December 20,2014 Page 3 of 3 fV1t MEMBERS Vt FEDERAL CREDrr UNION REGULAR SAVINGS ACCOUNT: Account Number/Suffix 281744-00 Date Account Established 03/17/2006 Principal Balance at Date of Death $205.13 SEC— SG'7&0 u Ce7 Accrued Interest to Date of Death $0.00 Total Principal and Accrued Interest $205.13 = #3 Name of Joint Owner None INVESTMENT SAVINGS ACCOUNT: Account Number/Suffix 281744-05 Date Account Established 03/17/2006 Principal Balance at Date of Death $207.22 l E Accrued Interest to Date of Death $0.00 sC��z,cF) Total Principal and Accrued Interest $207.22 -:r1-J�m # Ll Name of Joint Owner None SAFE DEPOSIT BOX: NONE MEMBERS 1ST FEDERAL CREDIT UNION Tessa L Klugh Lending Insurance Support Specialist January 9, 2014 Estate of: JACK E JOHNSON Date of Death: 12/06/2013 Social Security Number: 202-20-4688 5000 Louise Drive • P.O. Box 40 • Mechanicsburg, Pennsylvania 17055 • (800) 283-2328 • www.memberslst.org ORRSTOWN BANK A Tradition of Excellence December 30, 2013 Martson Law Offices 10 E High St Carlisle, Pa 17013 Fax: 243-1850 Re: Estate of Jack E Johnson Social Security Number 202-20-4688 Date of death 12/6/I3 IT IS HEREBY CERTIFIED THAT THE ABOVE NAMED DECEDENT HAD THE FOLLOWING ACCOUNT WITH ORRSTOWNBANK: CHECKING ACCDUNT Account No.- 513458 Account Type- 50+Interest Checking SGr SC h&V Ln(E Account Title- Jack E, Johnson Date Opened- 10/1/82 S'I El Y1 6 Joint Account(name/date)- No Balance- $57,200.86 Account Interest- $1.96 Beards, Kim over Deposit Processing Clerk 2695 Philadelphia Avenue •Chambersburg, PA 17201 atriot FEDERAL CREDIT UNION_ Catch rite Spirit of Financial Freedom - - - - — -- — - .-- --- - -- -- - -- - - January 10, 2014 Martson Law Offices Attn: Dena S Brumbaugh 10 East High Street Carlisle, PA 17013 RE: Jack E Johnson Estate To Whom It May Concern: I am writing in regards to your request for date of death values on the above referenced member. This account was in the sole name of the deceased. Account Date of Interest Accrued Open Date XXXXXXO140 Death Principal Rate Interest to DOD Prime Share (00) $187.00 0.150% $0.05 02/01/1971 Money Market (20) $51,178.75 0.349% $1.47 07/05/1990 If you have any questions with regard to the above balances, or need additional information, please contact a Membership Officer at 717-263-4444. Sincerely, Patriot Federal Credit Union rnohe� M; iU;F-'7- _ SIFG SCIIEI?it IE rz,mF s+i6-fE — sE�E sc. IE rPV L = �,