HomeMy WebLinkAbout08-27-14 J 15�561�105
E%(oz-u ;FI)�
REV-1500 ' � `�
OfFIC1AL USE ONLY
PA Departrnent of Revenue i���Y��� �n Code Year Fde Number
Bureau of individual Ta�s """"�' •' ` �'
ao sox zso6o3 w INHERITANCE TAX RETURN n
Harrisbura,PA i77.28-0fi01 REStDENT DECEDEMT '4� (� ����
ENTER DECfdENT MFORMATION BEIOW
Social Security Number Date af Oeath t,�iDDYYYY Date of Birth MMDDYYYY
i210112013 _.__����ll923
OecedenPs Last Name SuRGc O�cedenYs First Name M�
Vogel Reba , M
(If ApplicaWa)Enter Surviving Spause's Ir►formation Below
Spouse's last Name Sutfa Spouse's Fire!Name MI
Spouse's Social Security Number
THIS RETilIiN MUST BE;�LED tN DUPLICATE WITtI THE
REGlSTER �F WILLS
FIIL IN APPROPRtATE OVALS BELOYV
� 7.Original Retum p 2,gupplemenfel ReWm p 3.ftamainder Retum(�ata of Death
Pr'wrto 12-13-82)
O 4.Limited Estate p 4a,future Intareat Comprumise{date ot p 5. Fed8tal Estada Tax Retum Requlred
death after 12-12-82)
O $.Decedent Died Teatate � 7.Decedeni Maintained e Living Trust , 8. Total Number of Safe Deposit Boxes
(naacn Copy ot wi�r> (AU�h Covr oi Tn,sc.)
O 9.litigation Proceeds Received O 10.Spousal Pavetiy Credit(Da6a o#Death �p '11. Eiaction to Tax undar Sec.9713(A)
Behveen 12-31-91 arb 1-1•95� (Attach Schedule O)
CORRESPONOENT-THIS SECTION MUST BE CWAPLETED.ALI,CdRRESPONOENCE ANO Cfk�iDEMTIAI TAX WFORMATIOM$HOULp B�DIRECTED T0: y
Name Daytime Telephone Number rv
R.Scott Cramer (717)834-57� --`�� � .�t'�
� � � �
REGISTER�Vfi�.B USE O — �
�rt � C'� �j t'�,
r�1 y,. F"' � � �
First Line oiAddress � � � � � �g
P.O.BOX 159 � �: ;�: � �
�:� `� -*y "►'�
Second Line of Address �..� �-�j � � '�1�,
: � �7 � f"� �
...� i`"'
City or Post Office State ZIP Code D�PI��D �j �
Duncannon
PA 17020 �
CorrespondenYs e-maB addnss:
Under pertaNies of peryury, dedere fhet(have e�ca tl�s return,indudinp atxompanyinp sch�edWeB aM statements,and to fhe best d my krawledge and bel+ei.
ii is true.oo and .Declara' of prepar other tlfan Aersonal ropreaentsHve Is based on all fnbrmetion o#which preparor has emy icnowlsdge.
SIGNATURE F PERSO RE9PON F DATE �
ADDRESS p — �
2 S�f c� ti+ C , � C.S u. f+4. U
SIGNA EP R REPRES TATIVE pATE
ADDRE
G �CS'S �c�� ca.art vr► /3� 1 7�'Zo 8`-0�-/�
P�EJISE U8E OR161NAL FORM ONLY
Side 7
� 15�5610105 15�5610105 �
REV-1500 EX(FI) Page 3 File Number
Decedent's Complete Address:
DECEDENT'S NAME
Reba M. Vogel
STREETADDRESS
814 Riverview Road
��T�' STATE ZIP
Lemoyne PA 17043
Tax Payments and Credits:
1. Tax Due(Page 2,Line 19) (1) 30,490.83
2. CreditslPayments
A.Prior Payments 30,000.00
B.Discount 1,500.00
Total Credits(A+g) (2) 31,500.00
3. Interest
(3)
4. If Line 2 is greater than Line 1 +Line 3,enter the difference. This is the OVERPAYMENT.
Fill in oval on Page 2,Line 20 to request a refund. (4) 1,009.17
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.......................................................................................... ❑ �
b. retain the right to designate who shall use the propeRy transferred or its income ............................................ ❑ �
c. retain a reversionary interest.............................................................................................................................. ❑ �
d. receive the promise for life of either payments,benefits or care?...................................................................... ❑ �
2. If tleath 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? ........................................................................................................................ ❑ �
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 tlates 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 tleath 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 decedenYs 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 decedenYs siblings is 12 percent[72 P.S. §9116(a)(1.3)].A sibling is tlefined,
untler Section 9102,as an individual who has at least one parent in common with the decedent,whether by blood or adoption.
� 1505610205
REV-1500 EX(FI)
DecedenYs Sociai Security Number
oecedenes Name: Reba M.Vogel
RECAPITULATION
1. Real Estate(Schedule A). ... .. ... .................................... 1. ' ZJ'I,208.69
2. Stocks and Bonds(Schedule B) ............. ....... .... ....... ........ 2. 366,518.78 '
3. Closely Heid Corporation, Partnership or Sole-Proprietorship(Schedule C) .. . .. 3. '
4. Mortgages and Notes Receivable(Schedule D)............... ............ 4.
5. Cash, Bank Deposits and Misceilaneous Personal Property(Schedule E)....... 5. 35,857.04
6. Jointly Owned Property(Schedule F) O Separate Billing Requested ....... 6.
7. Inter-Vivos Transfers&Miscellaneous Non-Probate Property
(Schedule G) O Separate Biliing kequested........ 7. ,
8. Total Gross Assets(total Lines 1 through 7)............................. 8. 693,584.51 '
9. Funeral Expenses and Administrative Costs(Schedule H)................... 9. 16,010.50
10. Debts of Decedent, Mortgage Liabilities and Liens(Schedule I). ............ .. 1Q '
11. Total Deductions(total Lines 9 and 10).... ........... ....... ........... 11. , 16,010.50 '
12. Net Value of Estate(Line 8 minus Line 11) .... .................... ...... 12. 677,574.01
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. 677,574.01 '
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.
16. Amount of Line 14 taxable
at lineal rate x.045 677,574.01 16. ' 30,490.83
17. Amount of Line 14 taxable
at sibling rate X.12 ' 17. ',
18. Amount of Line 14 taxable
at collateral rate X.15 ' 18. ' ',
19. TAX DUE ......... ....... ...... ....... .......................... .. 19. ', 30,490.83
20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT p
Side 2
� 1505610205 1505610205 J
SCHEDULE A
REAL ESTATE
Estate of Reba M. Vogel No. 2013-01300
(Property jointly-owned with Right of Survivorship must be disclosed on Schedule F)All real estate should be
reported at fair market value which 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.
ITEM DESCRIPTIO"? VALUE AT DATE
OF DEATH
1. Real Estate
814 Riverview Road
Lemoyne,PA 17043
(see attached HUD Settlement Statement)
$ 291,208.69
TOTAL(Also enter on line 1,Recapitulationl � 291 20g.69
(If more space is needed,inseR additional sheers of same size.)
SCHEDULE B
STOCKS AND BONDS
Estate of Reba M. Vogel No. 2013-01300
1. Investments
Morgan Stanley
Wealth Management
214 Senate Ave.,7th Fl.
Camp Hill,PA 17011
Account#341-911185-557 AAA $ 348,063.47
Account#341-906286-557 IRA $ 11,231.31
2. U S Savings Bonds $ 7,224.00
58 Series EE Savings Bonds
(see attached inventory)
TOTAL(Also enter on line 2 Recapitulation� $ 366.51g.7g
(I(more saace is needed.inseR additional sheers of same sizeJ
SCHEDULE E
CASH, BANK DEPOSITS AND MISCELLANEOUS
PERSONAL PROPERTY
Estate of Reba M. Vogel No. 2013-01300
(All propertv jointiv-owned with Rieht of Survivorship must be disclosed on Schedule F.l
ITEM DESCRIPTION VALUE AT DATE
NUMBER OF DEATH
1. Bank Accounts
Members First Federal Credit Union
P.O.40
Mechanicsburg, PA 17055
Savings Acct#310700-00 $ 25.74
DOD accrued interest 0.00 $ 8.58
(Joint account with Lisa Engle&William Vogel)
Savings Acct#310700-OS $ 20,787.06
DOD accrued interest 0.00 $ 6,929.02
(Joint account with Lisa Engle&William Vogel)
C D Account#310700-50 $ 11,108.91
DOD accrued interest 0.00 $ 3,702.97
(Joint account with Lisa Engle&William Vogel)
C D Account#370700-48 $ 6,047.49
DOD accrued interest 0.00 $ 2,015.83
(Joint account with Lisa Engle&William Vogel)
C D Account#310700-46 $ 6,018.32
DOD accrued interest 0.00 $ 2,006.11
(Joint account with Lisa Engle&William Vogel)
C D Account#310700-49 $ 6,065.05
DOD accrued interest 0.00 $ 2,021.68
(Joint account with Lisa Engle&William Vogel)
Savings Acct#80976-00 $ 542.00
DOD accrued interest 0.00 $ 542.00
Savings Acct#80976-04 $ 4,000.00
DOD accrued interest 0.00 $ 1,333.33
(Joint account with Lisa Engle&William Vogel)
PNC Bank
500 First Ave
Pittsburgh,PA 15219
Checking Acct#5140130264 $ 11,185.41
DOD accrued interest 0.00 $ 11,185.41
Checking Acct#5140207049 $ 2,800.00
DOD accrued interest 0.00 $ 2,800.00
M&TBank
499 Mitchell Road
Millsboro,DE 19966
Savings Acct# 15004205314856 $ 2,784.30
DOD accrued interest 0.02 $ 928.11
(Joint account with Lisa Engle&William Vogel)
2. Automobile
2001 Cadillac $ 2,384.00
(see attached Blue Book Value)
TOTAL $35,857.04
SCHEDULE H
FUNERAL EXPENSES &
ADMINISTRATIVE COSTS
Estate Reba M. Vogel No. 2013-01300
Debts of decedent must be reported on Schedule I
ITEM
NUMBER DESCRIPTION AMOUNT
A. FUNERAL EXPENSES:
Malpezzi Funeral Home $ 8,732.00
B. ADMINISTRATIVE COSTS:
1. Personal Representative's Commission -
Name of Personal Representative(s� -
Social Security Number(s)/EIN Number of Personal Representative(s)
Address:
2. ATTORNEY FEES - R. Scott Cramer $ 5,995.00
3. FAMILY EXEMPTION:(If decedenYs address is not the same as claimanYs,attach explanation)
Claimant -
Street Address -
City - State Zip-
Relationship of Claimant to Decedent -SOri
4. Appraisal Works $ 275.00
5. Ryan Fortenbaugh Accounting $ 375.00
6. Cumberland County Register of Wills—probate fee paid on 12/11/13 $ 433.50
7. Cumberland County Register of Wills—additional probate fee $ 200.00
TOTAL(Also enter on line 9,Recapitulation) $ 16.�10.5�
SCHEDULE J
BENEFICIARIES
Estate of Reba M. Vogel No. 2013-01300
ITEM NAME AND ADDRESS OF BENEFICIARY RELATIONSHIP AMOUNT
NUMBER SHARE OF ESTATE
A.Ta�cable Bequests:
1. William Vogel Son 50%
2. Lisa Engle Daughter 50%
ITEM NAME AND ADDRESS OF BENEFICIARY AMOUNT OR
NUMBER SHARE OF ESTATE
B.Chazitable and Governmental Bequest
NONE
CHARITABLE AND GOVERNMENTAL BEQUESTS(Also enter on line 13,Recapitulation)
$0�.��_
8/13/2014 2:28:44 PM
F
A. Settiement Statement U.S.Department of Housing OMB Approvai No.2502-0265
and Urban Development
B.Type of Loan
6.File Number. 7.Loan Number: 8.Mortgage Insurance Case Number:
7.❑FHA 2.�FmHA 3.�Conv.Unins. 20�40926
4.�VA 5.�Conv.Ins. ❑Other
C.Note: Triis form is fumished to give you a statement of actual settiement costs.Amounts paid to and by the settiement agent are shown.
items marked"(POC)"were paid outside the Gosing;they are shown here for informationai purposes and are not inGuded
in the totals.
D.Name 8 Address Ride Save,LLC,809 Riverview Road,Lemoyne,PA 17043
of Bortower:
E.Name 8 Address Roben A.Vogel Living Trust,814 Riverview Rd.,Lemoyne,PA 17043
of Seller: Reba M.Vogei Living Trust,814 Riverview Rd.,Lemoyne,PA 77043
F.Name 8 Address
of Lender:
G.Property Location: Property Address
814 Riverview Rd.Lemoyne,Pe�nsylvania 17043
PIN
2-21-0267-032
H.Settlement Agent: Great Road Settleme�t Services.LLC,6 S.17th Street,Camp Hill,PA 77011,(717)�31-1040
Place of Settlement: 6 S.17th Street,Camp Hi�i,PA t7011
1.Settlement Date: 8/15/2014 Proretion Date: 8/15/2014 Disbursement Date: 8/1 512 0/4
: J.3ummary of Borrowe�'s Transaction K.Summary ofSeilei"s Transactfon
1a0. Gross AmounYDue from Borrower' 400. Gross Amount Due#o Seiler
101. Contract sales price $305,000.00 401. ConVact sales price $305,000.00
102. Personal property 402. Personal property
103. Settlement charges to borrower(line 1400) $5,144.00 403.
104. 404.
105. 405.
Adjustments for items paid by seiler in advance- Adjustments for items paid by seller in advance
106. City/town taxes 406. City/town taxes
107. County taxes B/15/2014 to 12/31/2014 $630.85 407. County taxes 8/15/2014 to 12/31/2014 $630.85
108. Assessments 408. Assessments
109. School Tax 8/15/2014 to 6l30/2015 $2.973.35 409. School Tax 8/15/2014 to 6/30I2015 $2,973.35
110. Trash 8/15/2014 to 9/30/2014 $21.93 410. Trash 8l15/2014 to 9/30/2014 $21.93
���. 411.
��2. a�a.
720. Gross Amount Due from Borrower �313,770.13 420. Gross Amount Due to Seiler 3308,626.13
200. Amounts'Pafd by or in Behalf of Borrowe� 500. Reductions in Amount Due to Seller
201. Deposit or eamest money $20,000.00 501. Excess deposit(see instructians)
202. Prinapal amount of new Ioan(s) 502. Settiement charges to selier(line 1400) $17,402.48
203. Existing loan(s)taken subject to 503. Existing loan(s)taken subject to
Zpq, 504. Payoff of first mortgage loan
205. 505. Payoff of second mortgage loan
206. `�.
207. 507.
208. 508.
Z�g. 508.
Adjustments for kems unpaid by seller Ad)ustments for items unpaid by seiler
210. Cityttown taxes 510. City/town taxes
211. County taxes 511. County taxes
212. Assessments 512. AssessmenGs
213. Sewer 8/8/2014 to 8/15/2014 $14.96 513. Sewer 8l8/2014 to 8/15/2014 $14.96
214. 514.
215. 515.
216. 516.
217. 517.
218. 518.
219. 519.
220. Total Paid byffor Borrower 520,014.96 520. Total ReducUon Amount Due Seller 517,417.44
300. Cash at Settlement fromlto Borrower 600. Cash at Settlement to/from Seiler
301. Gross amount due from borrower(line 120) $313,770.13 601. Gross amount due to seller(line 420) $308,626.13
302. Less amounts paid by/for borrower(Ifne 220) ($20,014.96)602. Less reductions in amount due seller(line 520 ($17,417.44)
303. Cash�From pTo Borrower $293,755.17 603. Cash�Top From Selier 5291,208.69
8/13l2014 228:44 PM File Number:20140926
� L.Settlement Charges
700. Total Sales/Broker's Commission based on rice$305,OOd.00 3.000000%_$9,150.00 Paid From Paid From
Division of commission line 700 as follows: Borrower's Seller's
701. $9,150.00 to Cordier Auctions 8 A raisals Funds at Funds at
702. Settlement Settlement
703. Commission aid at settlement$9,150.00 $9,150.00
704.
705. Advertising to Cordier Auc6ons 8 Appraisals $7,645.37
_
800. ltems Payable in Connection with Loan
801. Loan origination fee
802. Loan discount
803. Appraisal fee
804. Credit report
805. Lender's inspection fee
806. Mortgage insurance application fee
807. Assumption fee -
808.
809.
810.
811.
812.
813.
900. Items Requtred by,Lender'to Be Paid in Advance
901. Interest from
902. Mortgage insurance premium for
903. Hazard insurance premium for
904.
905.
1000�Reserves Deposited with Lender
1007. Hazard insurance
1002. Mortgage insurance
1003. City property taxes
1004. County property taxes
1005. Annual assessments
1006. .
1007.
1008.
1009.
1100.Title Charges : -
1101. Settiement or closing fee .
1102. Abstract or title search
1103. Titie examination
1104. Title insurance binder
1105. Document preparation
1106. Notary fees
1107. Attorney's fees to Scott Cramer
InGudes above item numbers:Estate
1108. Title Insurance to Great Road Settlement Services,LLC $1,925.00
Inciudes above item numbers:
t 109. lender's coverage
1110. Owner's coverage $305,000.00 $7,925.00
1111. Tax Certification to Great Road Settlement Services,LLC $25.00
1112. Erecording and recording Services Fee to Great Road Settlement Services,lLC $25.00
1113.
12p0.Govemment Recording and Transfer Charges
1201. Recording fees:Deed$79.00 $79.00
1202. City/county tax/stamps:Deed$3,050.00 $3,050.00
1203. State tax/stamps:Deed$3,050.00 $3,050.00
1204.
1205.
1206.
1300.Additional SettlementCharges _
1301. Survey
1302. Pest inspection
1303. 2014-15 Schooi Taxes to Faith Nicola $3,402.11
1304. 2014-15 Countyltownship tax on 3/11l2014 to Faith Nicola POCS 3t.s68.5
13U5. 2014 3rd quarter trash to PENN WASTE POCS$43.5
1306. Sewer 6/5-7l5($65),7/5-8/8($65)to Lemoyne Borough $130.00
1307. Sewer estimated 8/8 to 918 to lemoyne Borough $65.00
1400.Total Settlement Charges(enter on Ifnes 703,Section J and 502,Section K) ;5,144.00 517,402.48
if>�..a...�.�.��onr•...e.s...,:.+.............�__�__.__......,___...__..,....... ._... ......... .. . _ . .----.. _. .
�� � ��.���,.� �� ,�, ..
8/13/2014 228:44 PM File Number:2014092i
CERTIFICATI'JN:
i have carefully reviewed the HUD-1 Settlement Statement and to the best of my knowledge a�d belief,it is a true and accurate statement of ail receipts and disbursements
made on my account or by me in this transaction.i further certify that I have received a copy of HUD-1 Settlement Statement.The Settlement Agent does not warrant or
represent the accuracy of infotmation provided by any party,inGuding information conceming POC items and information supplied by the lender,if any,in ihis transacNon
appearing on this HUQ-1 Settlement Statement and the parties hold hartnless the Settlement Agent as to any inaccurecies in such matters.
RIDE SAVE,�, � RO .RT A. OGEL LI ING TRU T >�
/ �
Donna Srry"d �e�
Merimber Succassor Trustee
it. . +-,. l.�C` -�C.r' �
�sa A ngle
Succ ' Trust
RE A M.VOG LIVIN UST
i liam Vogel
SuccessorTrustee
_�--t -�Z
Li A ngle
�/ Successor Trustee
To the best of my knowiedge,the -�1 Settlement Statement which i have prepared is a true and accurate account of the funds whi were received and have been or will be
disbursed by the undersi ��,t of the settiement of this Vansaction.
� L.,�-- (i� l�
0 � �
James A i ler,Esq. Date
WA NG: It is a crime o knowingiy make faise statements to the United States on this or any other similar form.Pe�alties upon conviction can inciude a fine and
i risonment.For de 's see:TiUe 18:U.S.Code Section 1001 and Section 1010.
8l1312014 2:28:44 PM File Number:20140926
SUBSTITUTE'rORM 1099 SELLER STATEMENT- The infortnation contained in Blocks E,G,H and I and on line 401 (or, if line 401 is asterisked,lines 403 and A04),406,407
and 408-412(applicabie part of buyer's real estate tax reportable to the IRS)is important tax information and is being fumished to the Intemal Revenue Service.If you are
required to file a retum,a negligence pe�aity or other sanction wilt be imposed on you if this item is required to be repoRed and the fRS determines that it has not been reported.
SELLER INSTRUCTION- If this real estate was your principal residence,81e form 2118,Sale or Exchange of Principai Residence,for any gain,with your income tax return;
for other transactions,complete the appiicable parts of form 4797,Form 6252 andtor Schedule D(Form 1040).
You are required to provide the SetHement Agent with your wrrect taxpayer identification number.
If you do not provide the Settlement Agent with your correct taxpayer identification number,you may be subject to civil or criminal penaities.
RO RT A. OGEL LI I TRUST
�J` _.J
� i Vogel
SuccessorTrustee )
-i-c C...� �'
Lisa ngle
Successor Trustee
RE M.VOG L LIVI ST
' � el
SuccessorT tee � .
c:.�.-'G �-.0 •
Lisa-A' gle
5uccessorTrustee "
Weaith Management
'�-i �.�.a�:e A��r
�tl,Floor
Canip Hi1_l, P�1 1�(iil
tel "t' �ill 1�Q0
t:ts �'1--31i 1S`}-+
Morgan Stanley ��;������� ��-��- �-��°
January 16, 2014
law Office of R. Scott Cramer
5 South Market Street
PO Box 159
Duncannon, PA 17020
Per your requ2st regarding the accounts of Reba Vogel, please find the entiosed valuation of her
accounts as of 12/01/2013. As you know the IRA wouid not need to be part of the return but I've
�rcluded it f�r your records.
If you have any additional questions, please call me at(717) 730-1816.
Thank�u;
;:
r,� �'�
�� ?9 ''� 1 '�
! z
; / "t�,��` J`,.
�-
-_..__,.
L�a .Washb r
Senior Registered Associate to:
Wayd W.Wolgemuth
First Vice President
Financial Advisor
Lrw
enclosure
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�
MEMBERS 1St
FEDERALCREDTT UNION
REGULAR SAVINGS ACCOUNT:
Account Number/Suffix 310700-00
Date Account Established 07/27/2007
Principai Balance at Date of Death $25.74
Accrued Interest to Date of Death $0.00
Total Principal and Accrued Interest $25.74
Name of Joint Owner Lisa EnglelWilliam Vogel
INVESTMENT SAVlNGS ACCOUNT:
Account Number/Su�x 310700-05
Date Account Established 07/27/2007
Principal Balance at Date of Death $20,787.06
Accrued Interest to Date of Death $0.00
Total Principal and Accrued interest $20,787.06
Name of Joint Owner Lisa Engle/William Vogel
Date Joint Ownership Established 08/06/2007
CERTIFICATE OF DEPOSIT:
Account Number/Su�x 310700-50* 310700-46'"`
Date Account Established 07/10/2013 6/20/2012
Principal Balance at Date of Death $11,108.91 $6,018.32
Accrued Interest to Date of Death $0.00 $0.00
Total Principal and Accrued Interest $11,108.91 $6,018.32
Name of Joint Owner Lisa Engle/William Vogel Lisa Engle/William Vogel
'Rollover from certificate 310700-47,originally established 09/29/2012.
""'Rollover from certificate 310700-43,originally established 07/22/2011.
CERTIFICATE OF DEPOSIT:
Account NumbeNSuffix 310700-48' 310700-49'"
Date Account Established 10/24/2012 03/23/2013
Principal Balance at Date of Death $6,047.49 $6,065.05
Accrued Interest to Date of Death $0.00 $0.00
Total Principal and Accrued Interest $6047.49 $6,065.05
Name of Joint Owner �isa EngleiVliiliiam Vogel �isa crigier"vJiifian��Vuyei
*Rollover from certificate 310700-61, originally established 11/23/2011.
*''Rollover from certificate 310700-45,originally established 04/23/2012.
MEM E S 1ST FEDERAL CREDIT UNION
�
r A rson
ending Insurance Support Specialist
< January 10,2014
Estate of: Reba M.Vogel
Date of Death: 12/01/13
Social Security Number:478-20-1677
5000 Louise Drive • P.O. Box 40 ° ��echanicsburg,Pennsylvania 17055 • (800) 283-232$ • ���-�vmemberslst.org
St
�
MEMBERS lst
FEDERAL CREDIT UFIION
REGULAR SAVINGS ACCOUNT:
� Account Number/Suffix 80976-00
Date Account Established 05/05/1986
Principai Balance at Date of Death $542.00
Accrued Interest to Date of Death $0.00
Total Principal and Accrued Interest $542.00
Name of Joint Owner None
LIFE SAVINGS ACCOUNT:
Account Number/Suffix 80976-04
Date Account Established 02/01/2001
Principal Balance at Date of Death $4000.00
Accrued Interest to Date of Death $0.00
Accrued Interest p�us Principal Balance $4000.00
Name of Beneficiaries Lisa Engle/William Vogel
MEMBERS 1ST FEDERAL CREDIT UNION
���_-___—_______--_
. /� -- .
Gere Anderson
Lending Insurance Support Specialist
January 10, 2014
Estate of: Reba M.Vogel
Date of Death: 12/01/2013
Social Security Number: 478-20-1677
5000 Louise Drive • P.O.Box 40 • Mechanicsburg,Pennsylvania 17055 • (800) 283-2328 • i�vu:memberslst.org
Jan. 14. 2014 8: 12AM PNC Bank No. 3431 P. 1
���.�
����k�
J'anuary 14, 2014
�2.$cOtt Cramer
A.ttor�ey at La�v
5 S Mazket St
P O Box 159
Duncannon,pA 17020
RE: Reba M'Vogel
SSN: 478-20-1677
DOD: 1.2-01-2013
Dear Mr. Cramer:
In response to your request for Date of Death(DOD)balances for the customer noted above, our
records show the follQwing:
Check�ing Accoant
Account#5140130264 Established: O8-01-1982
ROBERT&REBA VOGEL LVG TRT
�tOBERT A VOGEL AECD TTEE
REBA M VOGEL TTEE
UI2.TAD O l/0�/2001
D077 balance: $ 11,185.41 z�on interest bearing
Account# 5140207049 �stablished: 02-23-1990
ROB�RT&REBA VOGEL LVG TRT
� ROB�I2T A VOGEL DECD TTEE
REBA M VOGET,TTEE
URTAD O1/Q5/2001
DOD balance: � 2,800.00+U.00 accrued azaterest
Intexest paid O1-41-2013 thn� 12-01-2013 $ 0.00 YTD
Safe Deposit Box
The decedent mainta.ined sa�e deposit box#00547
REBA M VOGEL
Located ai:
Cedar Clzff
Mall Branch
11 Q4 Carlisle
Cacnp Hill, pA 17011
(�17) 761-3180
Page 1 of 2
� ��zs��
499 Mitchell Road,Millsboro,DE 19966 Adjustment Services
Phone SS8-502-4349
F ax (302)934-2955
January 6,2014
Law Office of
R. Scott Cramer
5 South Market Street
P.O. Bog 159
Duncannon,PA 17020
Re: Estate of Reba M.Vo�el
Social Security: 478-20-1677
Date of Death: December O1.2013
Dear Sir or Madam:
Per your inquiry on December 20,2013,please be advise�i that at the time of death,the above-named decedent
had on deposit with this bank the following:
l. TypeofAccount SavingsAccount
Account Number 15004205314856
Ownership(Names of} William A. Vogel
Lisa Anne Engle
Reba M. Yogel
Opening Date 12/1 S/2003 '
Balance on Date ofDeath $2,784.30
Accrued Interest $ .02
------__------___--------------___------------------------
Total $2,784.32
For any additional informaHon on the above accounts,including ownership and any changes,closures and/or reimbursement of funds,
please txll the West Shore Pls�a at 717-731-1730.
We were nnable to I�ate any safe deposit box for t6e above-mentioned decedent
This ktter does not Indude any accounts in whic6 the deceased may have been listed as Power of Attoraey,C�stodisn of Uniform Transfers,
Representative Payee,or Trustee under s Written Agreement
Sincerely,
Valarie Mercer
Adjustment Services
�*�j �ZIP CODE:17020 � Sign in(or Sign up)
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LIVING TRUST
made as of ' '
�cac�..t � �, �,7C�t� � 1:c�1:� ,
��� ;f �
by '
Robert A. Vogel
and
Reba M. Vogel
Grantors
and
Robert A. Vogel
�' and
Reba M. Vogel
Trustee
Name Of Trust: Robert A. Vogel and Reba M. Vogel Living Trust
MARTIN I. KLEINMAN,P.C.
1518 WALNUT STREET 18TH FLOOR
PHILADELPHIA, PA 19102
215 790-0303
TABLE OF CONTENTS
ART`ICLE FIRST -Directions Of Grantors
ARTICLE SECOND - Disability Of Grantors
ARTICLE THIRD - Successor Beneficiaries
ARTICLE FOURTH-Minors Or Incompetents
ARTICLE FIFTH -Payment Of Debts
ARTICLE SIXTH Life Insurance Policies
ARTICLE SEVENTH- Right To Revoke Or Amend
ARTICLE EIGHTH -Powers Of Trustee
ARTICLE NINTH - Appointment Of Trustee
ARTICLE TENTH -Accounts Of Trustee
ARTICLE ELEVENTH -Trustee Decisions Conclusive
" ARTICLE TWELFTH - Simultaneous Death
ARTICLE THIRTEENTH-Rights Not Assignable
ARTICLE FOURTEENTH- Separate Property
ARTICLE FIFTEENTH -Construction
ARTICLE SIXTEENTH -Binding Effect
ARTICLE SEVENTEENTH- Short Name
LIVING TRUST
LIVING TRUST, made as of this s TH day of ��u�.�.►a-,¢-P.J �zoo� ���
among Robert A.Vogel,and Reba M.Vogel,husband and wife,having an address at 814 Riverview
Road,Lemoyne, PA 17043,as grantors(collectively hereinafter referred to as tlle "Grantors"), and
Robert A. Vogel and Reba M. Vogel, having an address as aforesaid, as trustees (collectively
hereinafter referred to as the "Trustee").
WITNESSETH:
WHEREAS,the Grantors ha�e two children, William A. Vogel and Lisa A. Engle;
and
WHEREAS, the Grantors desire to create a revocable trust of the life insurance
policies and other property described in Schedule A hereto,together with such monies,securities and
other assets as the Trustee hereafter may hold or acquire hereunder(said life insurance policies and
other property, monies, securities and other assets, together witl� any additions thereto received
pursuant to the Grantors' last will and testaments or as the proceeds of insurance on the Grantors'
lives,or otherwise,being hereinafter referred to as the"trust estate"), for die purposes and upon the
terms and conditions hereinafter set forth.
NOW,THEREFORE,in consideration of the covenants herein conta.ined and other
valuable consideration,the receipt and sufficiency of which hereby are acknowledged,the Grantors
hereby transfer,convey,assign and deliver to the Trustee as and for the trust estate the properly more
__ particularly described in Schedule A hereto, to hold the same, and any other property which the
Trustee hereafter may acquire, IN TRUST, for the purposes and upon the terms and conditions
hereinafter set forth:
ARTICLE FIRST
Directions Of Grantors
The Trustee shall hold,manage,invest and reinvest the trust estate, shall collect the
income therefrom, and shall pay any part or all of the income and principal to whomever the
Grantors from time to time may direct in writing. Each Grantor, acting alone, may direct the
payment of the income and principal of the separate property contributed by that Grantor.
Until the Grantors hereafter may direct to the contrary,the net income of the separate
property of each Grantor shall be paid quarter-annually to the Grantor who contributed such separate
property.
Any income not so paid or applied shall be acci.unulated and added to the principal
of this trust at least quarter-annually.
ARTICLE SECOND
Disability Of Grantors
If at any time either or both of the Grantors, in the judgment of the then serving
Trustee, shall be under any legal disability or shall be unable to manage properly their affairs by rea-
son of illness or mental or physical disability (whether or not a court of competent jurisdiction has
declared either of the Grantors incompetent or mentally ill or has appointed a legal representative
2
for either of the Grantors), the then serving Trustee may pay or apply so much or all of the net
income and the principal of the trust estate as the then serving Trustee deems necessary or advisable
for the health, education, maintenance or support of the Grantors, or for the payment of insurance
premiutns on the lives of either of the Grantors. Any income not so paid or applied shall be
accumulated and added to the principal of this trust at least quarter-annually.
In making any payment hereunder,the then serving Trustee may consider, but shall
not be required to consider,the income and other resources of the Grantors. No such payment shall
be charged upon a subsequent division of the trust estate against the principal of any share which
may be set apart for any beneficiary hereunder.
ARTICLE THIRD
Successor Beneficiaries
Upon the death of the Grantors, the Trustee shall pay and distribute the trust estate
at that time remaining to the Grantors' then living issue, in equal shares,per stirpes, discharged of
trust. If there are no issue of the Grantors then living,the trust estate shall be paid and distributed
to such persons and in such proportions as the same would be distributed under the laws of the
Commonwealth of Pennsytvania then in force had the Grantors then died intestate, residents of
Pennsylvania and the owner of said property.
� 3
ARTICLE FOURTH
Distributions To Minors Or Incomaetents
In any case in which the Trustee is authorized or directed by any provision of this
Agreement to pay or distribute income or principal to any person who shall be a minor or incompe-
tent, the Trustee, in the absolute discretion of the Trustee and without authorization of any court,
may pay or distribute the whole or any part of such income or principal to such minor or incompetent
personally, or may agply the whole or any part thereof directly to the health, education,maintenance
or support of such minor or incompetent, or may pay or distribute the whole or any part thereof to
the guardian, committee, conservatar or other legal representative, wherever appointed, of such
minor or incompetent or to the person with whom such minor or incompetent may from tiine to time
reside,or in the case of a minor, may pay or distribute the whole or any part thereof to a custodian
for such minor under any gifts to minors or transfers to minors act. Evidence of such payment or
distribution or the receipt therefor by the person to whom any such payment or distribution is made
shall be a full discharge of the Trustee from all liability with respect thereto,even though the Trustee
may be such person.
The Trustee, in the absolute discretion of the Trustee, may defer payment or
distribution of any or all income or principal to which a minor may be entitled until such ininor shall
attain the age of twenty-one(21)years,or to make such payment or distribution at any time and from
time to time, during the minority of such minor, holding the whole or the undistributed portion
thereof as a separate fund vested in such minor but subject to the power in trust hereby given to the
Trustee to administer and invest such fund and to use the income or principal thereof for the benefit
of such minor as if such fund were held in trust hereunder. No bond or other security and no
4
periodic accounts shall be required with respect to such fund, and the same shall be subject to
commission as if it were a separate trust fund. The Trustee shall pay and distribute any balance of
such fund to such minor when such minor shall attain the age of twenty-one (21)years. Except as
is herein above provided, if such minor shall die before attaining the age of twenty-one (21) years,
the Trustee shall pay and distribute such balance to the executors, administrators or legal
representatives of the estate of such minor.
The word "minor", wherever used in this Article FOURTH, shall mean any person
who has not attained the age of twenty-one (21)years.
ARTICLE FIFTH
Payment Of Debts
�` Upon the death of either of the Grantors, the Trustee may pay from the deceased
Grantor's share of the principal of the trust estate the amowlt of any estate or death t�es, by
whatever name called,imposed under the laws of any jurisdiction by reason of either of the Grantors'
deaths, whether in respect of properiy passing under this Agreement or either of the Grantors' last
will and testaments or otherwise, and the amouut of all of the debts which the Grantors' estates must
pay,the expenses of their last illness and funerals, and the expenses of administering their estates.
The Trustee may rely upon the written certification of the executors, administrators or legal
representatives of either of the Grantors' estates as to the amount of any such ta.X, debt or expense,
without any duty to inquire as to the correctness thereof, and, in its discretion, may make payment
thereof either to said executors, administrators or legal representatives or to the taxing authority or
person to whoni such amount is owed.
5
ARTICLE SIXTH
Life Insurance Policies
With respect to any insurance policies payable to the Trustee,the Trustee,upon being
advised that any sum is so payable by reason of the death of either of the Grantors, shall endeavor
to collect the same, and may bring a suit or action therefor, or may compromise, adjust, settle or
submit to arbitration any claims therefor. Tl�e Trustee shall be entitled to reimbursement from the
trust estate for expenses incurred by the Trustee in collecting or attempting to collect any such sum
by suit,action or otherwise. The Trustee, however, shall be under no duty to bring a suit or action
unless the expenses of the Trustee, including attorneys'fees,shall have been advanced or guaranteed
to the satisfaction of the Trustee. The Trustee may repay, out of the trust estate, any advances inade
by the Trustee or reimburse the Trustee for expenses incurred in collecting or attempting to collect
any sum as aforesaid.
The Trustee in no case shall be under any duty or obligation to make any claim
against the Grantors' estates, or take any action against the executors, administrators or legal
representatives of the Grantors' estates, for reimbursement for any reduction of the sums payable
upon the death of the Grantors by reason of unpaid premiums or for any other cause, including any
loans and interest thereto secured by any insurance policies.
During the lives of the Grantors, the Trustee inay, in its discretion, apply the net
income or principal of the trust estate to the payment of premiums on any life insurance policy of
which the Trustee or any trust hereunder is beneficiary. If the net income and principal is
insufficient to pay such premiums,the Trustee may notify the Grantors and the beneficiaries of the
trust of such insufficiency and give them the opportunity to furnish the necessary funds. If neither
6
the Grantors nor any of the beneficiaries furnishes the funds necessary to pay the premiums, the
Trustee may,but shall not be obligated to,obtain the fimds required to pay such premiums by selling
a portion of the principal of the trust estate, by borrowing on the security of such principal, by
borrowing against the cash surrender value of the policy or by surrendering some policies and using
the proceeds to pay the premiums on other policies. The Trustee also is authorized to convert such
policies to paid-up or extended term insurance if the trust estate does not have the necessary funds
to pay the premiums. If no funds are available for the payment of the premiums of any insurance
policy, the Trustee may assign ownership of such policy to the then living issue of the Grantors.
The Grantors retain, during their lives, all of the rights, options aild privileges
reserved to or conferred upon them by the terms of said insurance policies, iilcluding without limita-
tion the right to borraw upon and pledge such policies,to change the beneficiary thereof, to convert
� � such policies into other forms of insurance,to collect the cash value thereof,to permit or direct the
same to lapse, and to receive dividends and other lifetime benefits of any kind payable to them by
the terms thereof. The Grantors may exercise the foregoing rights without the consent of the Trustee
or any beneficiary hereunder.
ARTICLE SEVENTH
Grantors' Right To Revoke Or Amend
During the lives of both of the Grantors,this Agreement may be revoked in whole
or in part by either Grantor with respect to the separate property contributed by that Grantor. Any
such revocation shall be made by a written notice signed by the revoking Grantor and delivered to
7
the Trustee and the other Grantor. On revocation,the Trustee shall deliver to the revoking Grantor
all or the designated portion of the separate property contributed by that Grantor.
The Grantors, at any time during the lives of both of the Grantors, may amend this
Agreement by a written notice signed by both of the Grantors and delivered to the Trustee. With
regard to the separate property of either Grantor, only the Grantor who contributed such separate
property may amend this Agreement with respect to such separate properiy. No amendment of this
Agreement,however,shall increase the obligations or reduce the commissions of the Trustee without
the consent of the Trustee.
Upon the death of either of the Grantors, this Agreement shall become irrevocable
with respect to the property contributed by the deceased Grantor; however,the surviving Grantor
may revoke this Agreement with respect to the property contributed by the surviving Grantor.
ARTICLE EIGHTH
Powers Of Trustee
In the administration of any property,real or personal, at any time forming a part of
the trust estate, including accumulated income, and in the administration of any trust created here-
under,the Trustee, in addition to and without limitation of the powers confened on trustees under
the Pennsylvania Probate, Estates and Fiduciaries Code, as amended or any successor thereto, or
otherwise provided by law,shall have the following powers to be exercised in the absolute discretion
of the Trustee, except as otherwise expressly provided in this Agreement:
(a) To retain such property for any period, whether or not the same is of the
character permissible for investments by fiduciaries wider any applicable law, and
f 8
without regard to the effect any such retention may have upon the diversity of
investments;
(b) To sell,transfer,exchange, convert or otherwise dispose of,or grant options with
respect to, such property, at public or private sale,with or without security, in such
rnanner, at such times, for such prices, and upon such terms and conditions as the
Trustee may deem advisable;
(c) To invest and reinvest in common or preferred stocks, securities,limited liability
companies,investment trusts,mutual funds,regulated investment companies, bonds
and other property, real or personal, foreign or domestic, including any undivided
interest in any one or more common trust funds,whether or not such investments be
of the character permissible for investments by fiduciaries under any applicable law,
. and without regard to the effect any such investmeiit may have upon the diversity of
investments;
(d) To render liquid the trust estate or any trust created hereunder in whole or in part,
at any time and from time to time,and to hold unproductive property,cash or readily
marketable securities of little or no yield for such period as the Trustee may deem
advisable;
(e) To lease any such property beyond the period fixed by statute for leases made by
fiduciaries and beyond the duration of any trust created hereunder;
(fl To join or become a party to, or to oppose, uny reorganization, readjustment,
recapitalization, foreclosure, merger, voting trust, dissolution, consolidation or
exchange, and to deposit any securities with any committee, depository or tntstee,
' 9
_ and to pay any fees,expenses and assessments incuned in connection therewith, and
to charge the same to principal, and to exercise conversion, subscription ar other
rights, and to make any necessary payments in connection therewith, or to sell any
such privileges;
(g) To form one or more corporations or limited liability companies, alone or with
any person, in any jurisdiction, and to transfer assets to any new or existing
corporation or limited liability company in exchange for stock or membership
interests; to form one or more partnerships with any person in any jurisdiction, to
ha�e any trust or a nominee be a general or limited partner, and to transfer assets to
any new or existing partnership as a capital contribution; to enter into one or more
joint ventures or associations with any person in any jurisdiction, and to commit
— assets to the purposes of those ventures or associations; and to retain as an in-
vestment for any period any securiries,partnership interests or other assets resulting
from any such actions;
(h} To vote in person at meetings of stock or security holders and adjournments
thereof, and to vote by general or limited proxy with respect to any stock or
securities;
(i) To hold stock and securities in the name of a nominee without indicating the trust
character of such holding, or unregistered or in such form as will pass by delivery,
or to use a central depository and to permit registration in the name of a nominee;
(j) To initiate or defend, at the expense of the trust estate, any litigation relating to
this Agreement or any property of the trust estate which the Trustee considers
� 10
_ advisable,and to pay, compromise, compound, adjust, submit to arbitration, sell or
release any claims or demands of the trust estate or any trust created hereunder
against others or of others against the same as the Trustee may deem advisable,
including the acceptance of deeds of real property in satisfaction of notes,bonds and
mortgages, and to make any payments in connection therewith which the Trustee
may deem advisable;
(k) To borrow money for any purpose from any sot�rce, including any trustee at any
time acting hereunder, and to secure the repayment of any and all amounts so
boi-rowed by mortgage or pledge of any property;
(1) To possess, manage, develop, subdivide, control, partition, mortgage, lease or
otherwise deal with any and all real property;to satisfy and discharge or extend the
^ term of any mortgage thereof;to execute the necessary instruments and covenants to
effectuate the foregoing powers, including the giving or granting of options in
connection therewith; to make repairs, replacements and improvements, structural
or otherwise, or abandon the same if deemed to be worthless or not of sufficient
value to warrant keeping or protecting; to abstain froin the payment of real estate
t�es, assessments,water charges and sewer rents, repairs, maintenance and upkeep
of the same;to permit to be lost by ta�c sale or other proceeding or to convey the same
for a nominal consideration or without consideration; to set up appropriate reserves
out of income for repairs,modernization and upkeep of buildings, including reserves
for depreciation and obsolescence, and to add such reserves to principal and, if the
income from the property itself should not suffice for such purposes,to advance out
11
of other income any sums needed therefor, and advance any income of the trust for
the amortization of any mortgage on property held in the trust;
(m) To purchase from the legal representatives of the estate of either of the Grantors
or from the trustees of any trust established by either of the Grantors any property
constituting a part of such estate or trust at its fair market value and to make loans for
adequate consideration to such legal representatives or trustees,upon such terms and
conditions as the Trustee may determine in the absolute discretion of the Trustee;
(n) To carry insurance of the kinds and in the amounts which the Trustee considers
advisable, at the expense of the trust estate,to protect the trust estate and the Trustee
personally against any hazard;
(o) To make distribution of the trust estate or of the principal of any trust created
hereunder in cash or in kind, or partly in kind, and to cause any distribution to be
composed of cash, property ar undivided fractional shares in property different in
kind from any other distribution, and to determine the fair valuation of the property
so allocated,with or without regard to the ta�c basis;to hold the principal of separate
trusts in a consolidated fund and to invest the same as a single fund;to split trusts for
purposes of allocating GST exemptions (witlun the meaning of Section 2642(a) of
the Internal Revenue Code); and to merge any trusts which have substantially
identical terms and beneficiaries, and to hold them as a single trust;
(p) To employ and pay the compensation of accountants, attorneys, experts,
investment counselors, custodians, agents and other persons or firms providing
services or advice, irrespective of whether the Trustee may be associated therewith;
12
- to delegate discretionary powers to such persons or firms; and to rely upon
information or advice furnished thereby or to ignore the same, as the Trustee in its
discretion may determine;
(q) To change the situs and/or governing law of any trust hereunder to any State the
Trustee from time to time may deem desirable, and to take such further actions,
including without limitation the amendment to the terms of the trust, as inay be
necessary or advisable to effectuate such change;
(r) To execute and deliver any and ail instruments or writings which it may deem
advisable to carry out any of the foregoing powers; and
(s) To exercise all such rights and powers and to do all such acts and enter into all
such agreements as persons owning similar property in their own right might
lawfully exercise, do or enter into.
Except as otherwise provided herein, the Trustee may determine, when there is
reasonable doubt or uncertainty as to the applicable law or the relevant facts, which receipts of
money or other assets should be credited to income or principal, and which disbursements,
commissions,assessments,fees and other expenses should be charged to income or principal. Any
distributions or dividends payable in the stock of a corporation, and rights to subscribe to securities
or rights other than cash declared or issued by a corporation, shall be dealt with as principal. The
proceeds from the sale, redemption or other disposition, whether at a profit or loss, and regardless
of the tax treatment thereof, of any property constituting principal, including mortgages and real
estate acquired through foreclosure or otherwise, shall normally be dealt with as principal,but the
Trustee may allocate a portion of any such proceeds to income if the property disposed of produced
13
. no income ar substantially less than the current rate of return on trust investments, or if the Trustee
shall deem such action advisable for any other reason. The preceding provisions of this paragraph
shall not be deemed to authorize any act by the Trustee which may be a violation of any law
prohibiting the accumulation of income.
No person who deals with any Trustee hereunder shall be bound to see to the
application of any asset delivered to such Trustee or to inquire into the authority for, or propriety of,
any action taken or not taken by such Trustee.
Notwithstanding anything to the contrary contained herein, during such time as any
current or possible future beneficiary of any trust created hereunder(other than the Grantors)may
be acting as a Trustee hereunder, such person shall be disqualified from exercising any power to
make any discretionary distributions of income or principal to himself or herself (unless the
discretion to make such distributions is limited by an ascertainable standard within the ineaning of
Section 2041(b)(1)(A)of the Internal Revenue Code),or to satisfy any of his or her legal obligations,
or to make discretionary allocations of receipts or disbursements as between income and principal.
No Trustee who is a current or possible future beneficiary of any trust hereunder (other than the
Grantors) shall participate in the exercise of any powers of the Trustee which would cause such
beneficiary to be treated as the owner of trust assets for tax puiposes.
No Trustee sha11 be liable for acts or omissions in administering the trust estate or any
trust created by this Agreement, except for that Trustee's owil actual fraud, gross negligence or
willful misconduct. If any Trustee becomes liable as Trustee to any other person who is not a
beneficiary in connection with any matter not within the Trustee's control and not due to the Trust-
ee's actual fraud,gross negligence or willful misconduct, such Tiustee sl�all be fully indemnified and
14
_ _ held harmless by the trust estate and any trust created hereunder giving rise to such liability, as the
case may be, against and in respect of any damages that such Trustee may sustain, including without
limitation attorneys' fees. No successor Trustee shall incur any liability, by reason of qualifying as
a Trustee hereunder, for the acts or omissions of any predecessor Trustee.
The Trustee is authorized,but not required,to accept any property transferred to the
Trustee by any person during such person's lifetime or by such person's last will and testament. Any
property so transferred to, and accepted by, the Trustee shall become a part of such trust or trusts
created by this Agreement as such person shall direct and may be commingled with the other prop-
erty in the trust or trusts to which such property has been added and shall be held, administered and
disposed of as a part of such trust or trusts.
ARTICLE NINTH
Appointment Of Trustee
The Grantors appoint themselves as Trustees hereunder. The Grantors hereby appoint
William A. Vogel,having an address at 603 Central Street, Mechanicsburg, PA 17055, and Lisa A.
Engle,having an address at 2416 Bellwood Court,Pittsburgh,PA 15237,to act jointly as successor
co-Trustees hereunder in the event of the death of the Grantors, or their physical or mental
incapacity. If either William A. Vogel or Lisa A. Engle for any reason shall fail or cease to act as
Trustee, the remaining successor Trustee may act alone as successor Trustee.
Where a signature is required in order to exercise any powers conferred on the
Trustees hereunder or by applicable law,the signature of any one Trustee may be relied upon by any
third party as sufficient and binding.
15
The term "Trustee" wherever used herein shall mean the trustee or trustees in office
from time to time. Any such trustee shall have the same rights, powers, duties, authority and privi-
leges, whether or not discretionary, as if originally appointed hereunder.
No bond, surety or other security shall be required of any Trustee acting hereunder
for the faithful performance of the duties of Trustee, notwithstanding any law of any State or other
jurisdiction to the contrary.
ARTICLE TENTH
Accounts Of Trustee
The Trustee,at any time and from time to time,may render to the Grantors an account
of the acts and transactions of the Trustee with respect to the income and principal of any trust
� created hereunder, from the date of the creation of such trust or from the date of the last previous
account of the Trustee. After the death of the Grantors, the Trustee, at any time and from time to
time, may render an account to the living person or persons who are entitled, at the time of such
account,to receive a11 or a portion of the income of the trusts herein created. The approval of any
person of full age,or a guaxdian or parent of a minor or incompetent person,to whom an account is
rendered shall, as to all matters stated therein, be final and binding upon him or such minor or
incompetent person,or any persons claiming through him or such minor or incompetent person, as
the case may be. A person of full age,or a guardian or parent of a minor or incompetent person, to
whom an account is rendered shall be deemed to have approved the account if he assents to the
account in writing or if he does not communicate to the Trustee lus written objections to the account
16
_ within sixty days after the receipt of the account(provided the account was accompanied by a notice
of said sixty day period within which to raise objections).
The Grantors shall have full power and authority on behalf of all persons interested
in any trust hereunder,whether such interest relates to income or principal,to settle any account of
the Trustee. Such settlement shall be final and binding upon all persons so interested in such trust.
Upon such settlement, the Trustee shall be fully and completely discharged and released from all
further liability with respect to acts and transactions set forth in the account so settled.
The Trustee shall not be required at any time to file any account in any court, nor
shall the Trustee be required to have any account judicially settled. Nothing herein, however, shall
be construed as limiting the right of the Trustee to seek a judicial settlement of any account.
ARTICLE ELEVENTH
Decisions Of Trustee Are Conclusive
The determination of the Trustee in respect of the amount of any discretionary
payment of income or principal from any trust established hereunder,and of the advisability thereof,
shall be final and conclusive on all persons, whether or not then in being, having or claiming any
interest in such trust, and upon making any such payment,the Trustee shall be released fully from
all further liability or accountability therefor.
The right of any beneficiary to any payment of income or principal shall in every case
be subject to any charge ar deduction which the Trustee may make against the same under the
authority granted to the Trustee by any law or by this Agreement.
17
- ARTICLE TWELFTH
Simultaneous Death
If any beneficiary under this Agreement shall die simultaneously with any other
person upon whose death such beneficiary shall become entitled to receive either income or principal
under this Agreement,or in such circumstances as to render it difficult or impracticable to determine
who predeceased the other, then for purposes of this Agreement such beneficiary shall be deemed
to have predeceased such other person. The provisions of this Agreement shall be construed as
aforesaid,notwithstanding the provisions of any applicable law establishing a different presumption
of order of death or providing for survivorship for a fixed period as a condition of inheritance of
property.
ARTICLE THIRTEENTH
Rights Of Beneficiaries Are Not Assignable
No disposition, charge or encumbrance on the income or principal of any trust
established hereunder shall be valid or binding upon the Trustee. No beneficiary shall have any
right, power or authority to assign, transfer, encumber or otherwise dispose of such income or
principal or any part thereof until the same shall be paid to such beneficiary by the Trustee. No
income or principal shall be subject in any manner to any claiin of any creditor of any beneficiary
or liable to attachment,execution or other process of law prior to its actual receipt by the beneficiary.
18
_- ARTICLE FOURTEENTH
Separate Propertv
The separate property of each Grantor,the income therefor and the proceeds from the
sale thereof sha11 retain its character as separate property,notwithstanding the transfer to the Trustee.
The separate property of each Grantor shall be accounted for separately by the Trustee.
ARTICLE FIFTEENTH
Construction
The validity and construction of this Agreement aiid the trusts created hereunder shall
be governed by the laws of the Commonwealth of Pennsylvania.
Any provision herein which refers to a statute,rule,regulation or other specific legal
reference which is no longer in effect at the time said provision is to be applied shall be deemed to
refer to the successor, replacement or amendment to such statute,rule,regulation or other reference,
if any, and shall be interpreted in such a manner so as to carry out the original intent of said
provision.
For purposes of this Agreement, the disability or incapacity of an individual
(including either of the Grantors or any Trustee) shall be conclusively established by a written state-
ment signed by such individual's then attending physician and filed with the records of any trust
established hereunder attesting that, in such physician's opinion, such individual is unable to manage
his or her affairs. Such written statement shall be conclusive evidence of such fact, and any third
pariy may rely on same in dealing with any trust established hereunder and shall not be obliged to
19
_ inquire whether such individual is no longer under such disability or incapacity at the time of such
dealings.
Wherever used in this Agreement and the context so requires, the masculine shall
include the feminine and the singular shall include the plural, and vice versa.
The captions in this Agreement are for convenience of reference, and they shall not
be considered when construing this Agreement.
If under any of the provisions of this Agreement any portion of the trust estate would
be held in trust beyond a date twenty-one years after the death of the last survivor of the Grantors
and the issue of the Grantors and other beneficiaries hereunder in being when this Agreement
becomes irrevocable;then,upon such date,the trust of such portion shall terminate and the principal,
and any unpaid income thereof, shall be paid and distributed to the person or persons then living who
would have been entitled to receive the income therefrom had the trust continued, in the proportions
to which they would have been so entitled.
ARTICLE SIXTEENTH
Binding Effect
This Agreement shall extend to and be binding upon the heirs, executors,
administrators, successors and assigns of the undersigned Grantors and upon the Trustee acting
hereunder.
20
_ ARTICLE SEVENTEENTH
Short Name
This Agreement and the trusts created hereunder may be referred to, in any other
instrument,by the name: "Robert A.Vogel and Reba M. Vogel Living Trust". Any transfers to this
Agreement or any trust hereunder may refer to the aforesaid name or to "Robert A. Vogel and Reba
M. Vogel as Trustees under Robert A. Vogel and Reba M. Vogel Living Trust", with or without
specifying any change in Trustee or any amendment to this Agreement.
IN WITNESS WHEREOF,this Agreement has been duly executed as of the date
first above written.
�,s-�-Q-+�C �"�. "Z�,�.�
Robert A. Vogel �
Grantor/Trustee
� ' �- f�'. 1�� �..--
�
Reba M. Vogel
Grantor/Trustee
21
COMMONWEALTH OF PENNSYLVANIA, COUNTY OF CUMBERLAND, ss.
On this sTM day of �a-N u.a,� , -�-ooi,
before me, the undersigned officer, personally appeared Robert A. Vogel, known to me (or
satisfactorily proven) to be the person whose name is subscribed to the within instrument, and
acknowledged that he executed the same for the uses and purposes therein contained.
IN WITNESS WHEREOF I hereunto set my hand and official seal.
Notaria{Seal
Terry Smith: Notary Public
Lower Paxtan Twp., Dauphin County
My Commission Exp,res J�ly 26, 2004
Nota Public
My commission expires on
COMMONWEALTH OF PENNSYLVANIA, COUNTY OF CUMBERLAND, ss.
On this -S�� day of �'`3'*hA� � �'pOj �
before me, the undersigned officer, personally appeared Reba M. Vogel, known to me (or satis-
factorily proven) to be the person whose name is subscribed to the within instrument, and
acknowledged that she executed the same for the uses and purposes therein contained.
IN WITNESS WHEREOF I hereunto set my hand and official seal.
fVotaria!Sea! d��" �"'�L
Terry Sr,�ith, �i�tary Pub�ic Not Public
Lower Paxton Twp.; Dauphin County
My Commission �xCli�es Jui;�zs, 2004 My commission expires on
22
LAW OFFICE OF
R. SCOTT CRAMER
5 South Market Street, P.O. Box 159
Duncannon, Pennsylvania 17020
(717)834-5700
Fa�c(717)834-7700
R.Scott Cramer,Esquire
scott@attorneycramer,co m
R. Benjamin Cramer, Esquire AUgust 2�, 2014
ben@attorneycramer.com
Register of Wills
Cumberland County Courthouse
One Courthouse Square
Carlisle, PA 17013
Re: Estate of Reba M. Vogel
Dear Sir/Madam:
Please find enclosed herewith an original and one (1) copy of the Pennsylvania
Inheritance Tax Return with regard to the above-referenced estate, along with a check in
the amount of$200.00, which represents payment for the additional probate fee due.
Should you have any questions regarding same, please do not hesitate to contact
my office.
V� ly yours,
/
�
R. Scott Cramer
�V
� � � �
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Enclosures w � � � �
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cc: William A. Vogel °.�a�. � � -� � �
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