HomeMy WebLinkAbout12-29-14 (2) � �-�:�pennsylvania 15 0 5 61410 5
�M��`�NOE EX(03-14)(FI)
REV-1500 OFFICIAL USE ONLY
Bureau of Individual Tdxes County Code Year File Number
PO BOX 280601 INHERITANCE TAX RETURN �/ � ���
Harrisburg, PA 17128-0601 RESIDENT DECEDENT
ENTER DECEDENT INFORMATION BELOW
Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY
03292014 07201922
DecedenYs Last Name Suffix DecedenYs First Name MI
Gang Marie T
(If Applicable)Enter Surviving Spouse's Information Below
Spouse's Last Name Suffix Spouse's First Name MI
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
REGISTER OF WILLS
FILL IN APPROPRIATE OVALS BELOW
� 1.Original Return p 2.Supplemental Return p 3. Remainder Return(date of death
prior to 12-13-82)
p 4.Agriculture Exemption(date of 0 5. Future Interest Compromise(date of 0 6. Federal Estate Tax Return Required
death on or after 7-1-2012) death after 12-12-82)
� 7. Decedent Died Testate � 8.Decedent Maintained a Living Trust _ 9. Total Number of Safe Deposit Boxes
(Attach copy of will.) (Attach copy of trust.)
p 10.Litigation Proceeds Received p 11.Non-Probate Transferee Return p 12. Deferral/Election of 5pousal Trusts
(Schedule F and G Assets Only)
O 13. Business Assets O 14.Spouse is Sole Beneficiary
(No trust involved)
CORRESPONDENT- THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED T0:
Name Daytime Telephone Number
Paula J. McDermott, Esq. (717)612-6012
First Line of Address
17 North Second Street
Second Line of Address
12th Floor
City or Post Office State ZIP Code
fV
Harrisburg PA 17101 �, ;=: �
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c o ,-'`� c-�
Correspondent's email address: � � � � �
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REGISTER OF WILLS USE ONLY � " f�;�> �-- , � ��
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"Tf`ATE FILED ST/(M9 �
PLEASE USE ORIGINAL FORM ONLY
Side 1
I I��I'I II��I�IIII�'I�I�III'�II�I II�II'I��I II�II I'I�I�III I�'I
� � 1505614105 1505614105 J
� 1505614205
REV-1500 EX(FI)
DecedenYs Social Security Number
Marie T. Gang
DecedenYs Name:
RECAPITULATION
1. Real Estate(Schedule A). . . . . . .. . . . .. . . . .. . . . .. . .. . . . . . .. . . . . . .. . . . . . 1. 1 �0��.�0
2. Stocks and Bonds(Schedule B) .. . . .. . . . . . ... . .. . .... .. . . . . .. . . . .. . . . . 2.
3. 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. 2$3�502.43
6. Jointly Owned Property(Schedule F) O Separate Billing Requested . ... .. . 6.
7. Inter-Vivos Transfers&Miscellaneous Non-Probate Property
(Schedule G) O Separate Billing Requested.. . . . .. . 7. � ,312,325.09
8. Total Gross Assets(total Lines 1 through 7). . . . .. . . . . . . .. . . . .. . . . . . . .. . . 8. � 596 827 52
9. Funeral Expenses and Administrative Costs(Schedule H). . . . .. . . . .. . . . .. . .. 9. 3�365.29
10. Debts of Decedent, Mortgage Liabilities and Liens(Schedule I). . .. . . . .. . . . . . . 10. 24�696.8�
11. Total Deductions(total Lines 9 and 10). .. . . . .. . . ... . .. . . . .. . . . .. .. . .. . . 11. 2$�062.��
12. Net Value of Estate(Line 8 minus Line 11) .. . .. .. . ... . . .. . . ... . . . .. ... . . 12. 1 �56H�765.42
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. � ,568,765.42
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�inea�rate x.0 45 1 �568�765.42 �6 70�594.44
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. 7O�594.44
20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT p
Under penalties of perjury,I declare I have examined this return,including accompanying schedules and statements,and to the best of my knowledge and belief,
it is t ue, correct and complete.Declaration of preparer other than the person responsible for filing the return is based on all information of which preparer has
a�y n wledge. ,.
SIG U OF RSO S IB ��FI G RETURN DATE q
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,ao�R�ss� !�. ( � �C� � L �
4'
SIG�TU E O EP4 ER ER THAN ERSON RESPONSIBLE OR FILING THE RETURN DATE
/Zz9r�
ADDRESS "
1� I�; ���� Z:nc� �`��P�' � 2��'�lo�r I�r-►'�iS_�, �� 1�/a/
I I�'I'I II��I�II�I��I��'lll�I�I�I I�'�I�I'II II�II�'I�I'lll I'�I Side 2
� 1505614205 1505614205 J
REV-1500 EX (FI) Page 3 File Number
Decedent's Complete Address:
DECEDENT'S NAME
Marie T. Gang
_ __ _ __ _ _ _ _ _
STREETADDRESS
325 Wesley Drive
CITY STATE ZIP
Mechanicsburg PA 17050
Tax Payments and Credits:
1. Tax Due(Page 2,Line 19) (1) 70,594.44
2. CreditslPayments
A.Prior Payments _____ 65,000.00
___ _ —_
B.Discount 3,421.05
___ __-- _ __ _
(See instructions.) Total Credits(A+B) (2) 68,421.05
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�
5. If Line 1 +Line 3 is greater than Line 2,enter the difference.This is the TAX DUE. (5) 2,173.39
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 inwme ............................................ ❑ �
c. retain a reversionary interest .............................................................................................................................. ❑ �
d. receive the promise for life of either payments,benefits or care?...................................................................... ❑ �
2. If death occurred after Dec.12, 1982,did decedent transfer property within one year of death
without receiving adequate consideration?.............................................................................................................. ❑ �
3. Did decedent own an"in trust for"or payable-upon-death bank account or security at his or her death?.............. ❑ �
4. Did decedent own an individual retirement account,annuity or other non-probate property,which
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 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
[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 retum 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 step-parent of the child is 0 percent p2 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 defined,
under Section 9102,as an individual who has at least one parent in common with the decedent,whether by blood or adoption.
Rev-isoz ex+�i2-rz}
��. `pennsylvania SCHEDULE A
DEPARTMENT OF HEVENUE
INHERITANCE TAX REfURN REAL ESTATE
RESIDENT DECEDENT
,� ESTATE OF: FILE NUMBER:
��j Marie T. Gang 21-14-0475
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 facks.
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
1' Time Share-Unit 14A,Outer Banks Beach Club, Inc.,North Caroline(see attached) 1,000.00
TOTAL(Also enter on Line 1, Recapitulation.) ; 1,000.00
------ -- .__ ---__
Iw "lilll°° p�p°�� If more space is needed use additional sheets of aper of the same size.
- °. - = • �et ': pttOtO a :" I ■ � 11 ■
REV-15o8 EX+(o8-iz)
��� � ��� pennsylvania SCHEDULE E
DEPARTMENTOFREVENUE �SH� BANK DEPOSITS 8� MISC.
INHERIfANCE TAX RETURN PERSONAL PROPERTY
RESIDENT DECEDENT
ESTATE OF: FILE NUMBER:
Marie T. Gang 21-14-0475
Indude the proceeds of litigation and the date the proceeds were received by the estate.
All property jointty owned with right of survivorship must be disclosed on Schedule F.
ITEM VALUE AT DATE
NUMBER DESCRIPIION OF DEATH
�. Members 1 st Federal Credit Union,5000 Louise Dr,P.O. Box 40, Mechanicsburg,PA 17055
Savings Account#273804-00 (see attachetl) 46.59
2 Members 1st Federal Cretlit Union,5000 Louise Dr,P.O.Box 40, Mechanicsburg,PA 17055
Certificate of Deposit#273804-46(see attached) 36,955.96
3 Members 1st Fetleral Credit Union,5000 Louise Dr,P.O.Box 40, Mechanicsburg,PA 17055
Certificate of Deposit#273804-47(see attached) 66,027.02
4 Bank of America, P.O.Box 25118,Tampa, FL 33622-5118
Checking Account#0000 7391 5615(see attached) 417.92
5 Wells Fargo,MAC P6102-031A,P.O.Box 6995,Portland,OR 97228-6995
Checking Account#1330241181 (see attached) 179,337.52
g Wells Fargo,MAC P6102-031A,P.O. Box 6995,Portland,OR 97228-6995
Savings Account#5335333489(see attached) 202.72
7 Miscellaneous Personal Property 200.00
g Medicare Part B Premium Refund(Board of Education-Uniondale Union Free S.D.) 314.70
TOTAL(Also enter on Line 5, Recapitulation) $ 283,502.43
If more space is needed,use additional sheets of paper of the same size.
REV-1510 EX+(OS-09)
�4r� .�F�'pennsylvania SCHEDULE G
DEPARTMENTOFREVENUE INTER-VIVOS TRANSFERS AND
INHERITANCETAXRETURN MISC. NON-PROBATE PROPERTY
RESTDENT DECEDENT
ESTATE OF FILE NUMBER
Marie T. Gang 21-14-0475
This schedule must be completed and filed if the answer to any of questions 1 through 4 on page three of the REV-1500 is yes.
ITEM DESCRIPTION OF PROPERTY
INCLUOE 1HE NAME OF 7}1E TRANSFEREE,iHE1R RELATIONSHIP TO DECEDENT AND DATE OF DEATH %OF DECD�S EXCLUSION TAXABLE
NUMBER THE DATE OF T1tANSFER.ATfACH A COPY OF iHE DEED FOR REAL ESTATE. VALUE OF ASSET INTEREST (IF APPLICABLE) VALUE
i. PNC Bank Money Market Account#50-0441-4465(see attached)
Transferee-Gang Revocable Trust 75,275.98 100 75,275.98
2.
Schwab Checking Account#440021189699(see attached)
Tranferee-Gang Revocable Trust 584.24 100 584.24
3.
Schwab Investment Account#42773245(see attached)
Transferee-Gang Revocable Trust 247,222.06 100 247,222.06
4.
Wells Fargo Advantage Funds Account#667-8800362490(see attached)
Transferee-Gang Reovocable Trust 12,943.62 100 12,943 62
5.
T.Rowe Price Traditional IRA Account#4040210877-7(see attached)
Transferee-Patricia A.Gang,Joseph A.Gang,and Michael W.Gang
Relationship-Children 36,123.14 100 36.123 14
6.
T.Rowe Price Mutual Fund Investor#442027870(see attached)
Transferee-Gang Revocable Trust 396,263.42 100 396,2s3.a2
7.
Putnam Investments Account#5806-54213716(see attached)
Transferee-Gang Revocable Trust 58,572.92 100 58,572.92
8.
Vanguard Mutual Fund Account#5022-09886417850(see attached)
Transferee-Gang Revocable Trust, 97,354.36 100 97,354 36
TOTAL FROM PAGE 2
387,985.35
TOTAL(Also enter on Line 7, Recapitulation) ; 1,312,325.09
If more space is needed,use additional sheets of paper of the same size.
REV-iS10 EX+{08-09)
'�:� �pennsylvania SCHEDULE G
DEPARTMENTOFREVENUE INTER-VIVOS TRANSFERS AND
INHERTTANCETAXRETURN MISC. NON-PROBATE PROPERTY
RESiDENT DECEDENT
ESTATE OF FILE NUMBER
Marie T. Gang 21-14-0475
This schedule must be completed and filed if the answer to any of questions 1 through 4 on page three of the REV-1500 is yes,
IfEM DESCRIPTION OF PROPERTY
INCLUDE iHE NAME OF iNE iRANSFEREE,THEIR RELATIONSHIP TO�ECEDENT AND DATE OF DEATH �/o OF DECD�S EXCLUSION TAXABLE
NUMBER THE DATE Of 1RANSFER.ATfALH A COPY Of THE DEED fOR ftFAL ESTpiE. VALUE OF ASSET INTEREST (IF APPLiCABLE VALUE
�, Protective Life Insurance Annuity Contract#PX0358123(see attached)
Tranferee-Patricia A. Gang,Joseph A.Gang, Michael W.Gang,
Relationship-Children 121,061.09 100 121,061 09
10. ING Life Ins.and Annuity Co.,Contract#1021827640023FN(see attached)
Transferee-Patricia A. Gang,Joseph A.Gang, Michael W.Gang(Children) �48,080.14 100 148,080.14
11.
Allianz Life Ins.Co.,Annuity Contract#3462586(see attached)
Transferee-Gang Revocable Trust 18,315.42 100 18,315.42
12 Allianz Life Ins.Co.,Annuity Contract#1771314(see attached)
Transferee-Gang Revocable Trust 23,926.98 100 23,926.98
13. Allianz Life Ins.Co.,Annuity Contract#715040(see attached)
Transferee-Gang Revocable Trust 22,067.30 100 22,067.30
14.
Allianze Life Ins.Co.,Annuity Contract#3462553(see attached)
Transferee-Gang Revocable Trust i8,315.42 100 is,315.42
15.
The Hartford,Annuity Contract#14628(see attached)
Tranferee-Patricia A.Gang,Joseph A.Gang, Michael W.Gang,
Relationship-Children
36,219.00 100 36,219.00
TOTAL(Also enter on Line 7, Recapitulation) � 387,985.35
If more space is needed,use additional sheets of paper of the same size.
REV-1511 EX+{08-13}
�. �i�pennsylvania SCHEDULE H
DEPARTMENTOFREVENUE FUNERAL EXPENSES AND
INHERITANCE TAX REfURN ADMINISTRATIVE COSTS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Marie T. Gang 21-14-0475
Decedent's debts must be reported on Schedule I.
ITEM
NUMBER DESCRIPTION
AMOUNT
A• FUNERAL EXPENSES;
1' Wiedeman Fackler-Wiedeman Funeral Homes 893.57
B. ADMINISTRATIVE COSTS:
1. Personai Representative Commissions;
Name(s)of Personal Representative(s)
Street Address
City _ --__ ____ _-- __ State ZIP
__ _ _
Year(s)Commission Paid:
2. Attorney Fees:
3. Family Exemption: (If decedent's address is not the same as claimanYs,attach explanation.)
Claimant
Street Address
��ty State ZIP
Relationship of Claimant to Decedent
4. Probate Fees: 433.50
�5• Accountant Fees: 1,500.00
6. Tax Return Preparer Fees:
�• Additional Death Certificates 90.00
$� Cumberland Law Journal(publication) 75.00
9� The Sentinel(publication) 233.02
�o. Travelers Casualty and Surety Company of America-Putnam Lost Certificate Premium 82.20
��. Postage 22.00
12� VA Dept.of Health(deceased spouse death certificates 36.00
TOTAL(Also enter on Line 9, Recapitulation) $ 3,365.29
If more space is needed,use additional sheets of paper of the same size.
REV-1512 EX+(12-12}
�� � p�'pennsylvania SCHEDULE I
DEPARTMENTOFREVENUE DEBTS OF DECEDENT,
1NHERITANCE TAX RETURN MORTGAGE LIABILITIES & LIENS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Marie T. Gang 21-14-0475
Report debts incurred by the decedent prior to death that remained unpaid at the date of death,including unreimbursed medical expenses.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1' Bethany Village-Nursing Home 12,166.46
2. PA Dept.of Revenue-Income Tax 2013 661.00
3. Bethany Village-Nursing Home Final Health Care 11,630.72
4. Omnicore-prescriptions 28.36
5. Med Option-Health Care 135.63
6. Lower Allen EMS-DOS 10/1/2013 74.64
TOTAL(Also enter on Line 10, Recapitulation) $ 24,696.81
If more space is needed,insert additional sheets of the same size.
REV-1513 EX+(01-10)
� pennsylvania SCHEDULE �
OEPARTMENT OP REVENUE
INHERITANCE TAX RERIRN BENEFICIARIES
RESIDENT DECEDENT
ESTATE OF: FILE NUMBER:
Marie T. Gang 21-14-0475
RELATIONSHIP TO DECEDENT AMOUNT OR SHARE
NUMBER NAME AND ADDRESS OF PERSON(S)RECENING PROPERTY Do Not List Trustee(s) OF ESTATE
I TAXABLE DISTRIBUTIONS[Include outright spousal distributions and transfers under
Sec.9116(a)(1.2).]
1� Michael W.Gang,603 Country Club Road, Camp Hill, PA 17011 Son 33 1/3
2 Patricia A.Gang,914-B Ashlantl Avenue, Betlford,VA 24523 Daughter 33 1/3
3. Joseph A. Gang, P.O.Box 372,Mead,CO 80542 Son 33 1/3
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 IS 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 SHEEf. $
If more space is needed,use additional sheets of paper of the same size.
LAST WILL AND TESTAMENT
OF
MARIE T. GANG
I, MARIE T. GANG, of Williamsburg, Virginia, revoke all my
prior wills and codicils and make this my Will .
I am married to AUGUSTUS J. GANG ("my husband") and we now
. have three children, PATRICIA A. GANG, MICHAEL W. GANG and JOSEPH
A. GANG.
ARTICLE I
DISTRISUTION OF ESTATE
I am a Grantor under a Revocable Living Trust dated April 2,
1993 . The name of the Trust is THE GANG REVOCABLE LIVING TRUST.
I give the residue of my real and personal estate, not already in
trust, to the Trustee of the Revocable Living Trust, to be held in
trust under the terms in effect at my death. The Revocable Living
Trust was signed before this Will . �
Ax�cr�a �
DEBTS,TA.XES AND OTHER CHARGES
A. Debts and Funeral Expenses. My Executor shall pay or
provide for the payment of my legally enforceable debts, my
charitable pledges and the expenses of my funeral and burial
(including the cost of a monument or marker) . My Executor shall
not seek contribvtion from my hL��aar_c� on our ��int debts .
B. Taxes. My Executor shall pay or provide for the payment
of all estate, inheritance and similar taxes payable by reason of
my death, including taxes on assets not passing under this Will and
interest on taxes. These taxes and any interest and penalties
thereon shall be paid as a cost of administering my estate and
without apportionment.
iOBERT M.PFEIFER
ATTORNEY AT LAW
NEWPORT NEWS,VA �
VIRGINIA BEACH,VA
1
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� ARTICLE III !
EXECUTOR 1
, i I
' A. Appointment. I name my husband to be my Executor and if
he should not serve for any reason, MICHAEL W. GANG shall serve as
Executor.
B. Compensation. My Executor shall be entitled to receive_..
� a reasonable compensation for its services, which in the case of a �
. corporate fiduciary shall be the compensation specified in its �
� � published schedule of fees in effect at the time the services are i
� rendered. If an attorney or certified public accountant practicing '
in Virginia shall serve as a fiduciary hereunder, he or she shall
; be entitled to compensation for services based upon his or her
� standard hourly rate at the time the services are performed.
C. Fiduciary Powers. In addition to the powers granted by I
� law, I grant my Executor the powers set forth in Section 64 . 1-57 of
the Code of Virginia, and I incorporate that Code Section in my
Will by this reference. If any asset held by me at my death does �
not meet the requirements of the prudent man standard set forth in ;
� Section 26-45 . 1 of such Code, my Executor may nevertheless retain
� the asset for so long as it may deem appropriate. My Executor may
borrow money for any purpose deemed in the best interests of my
� estate and may secure such borrowings with any assets of my estate.
� D. Bond. No Executor at any time serving under this Will
� shall be required to provide surety on its bond and I direct that
appraisement of my estate be waived.
I I
� �
I ARTICLE IV
� E MISCRi7.ANFOUS PROVISIONS
I (
fA. Survivorship. I shall be deemed to have survived my ;
� husband if we die �imul�ar_eou.slyo ur tif, in t�e opinion of my I
Executor, there is not sufficient evidence we have died otherwise �
, than simultaneously.
� B. Adoption. A person related by or through adoption shall
� take under my Will as if the per�on were related by or throughi
I birth. �
� C. Construction. Where appropriate to the context, the �
isingular includes the plural and the masculine includes the
� ! f eminine. �
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� I IN WITNESS WHEREOF, I sign, seal and declare this instrument
� to be my Last Will and Testament this 2nd day of April, 1993, in
� � Newport News, Virgin�ia. � � � � - -�- � - � ���- -- - -- "
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i Marie T. Gang, Te tator
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�� � INSTRUMENT consistin of four (4) t ewritten ages, was
� THIS , g YP P
� on this date signed, sealed and declared by MARIE T. GANG as and
� � fo-r ner Last Will and Testament. At her request, and believing her
i, � to be of sound and disposing mind and memory, we have signed our
� jnames as witnesses . All of this occurred at the same time and we ;
� � and the testator were present together throughout . �
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STATE OF VIRGINIA !
� AT LARGE: �
f � Before me, the undersigned Notary Public, on this day �
� personally appeared MARIE T. GANG, and Michele A. D. Schneider , l
A. Demir Binqol and Br�an L Saunders .
known to me to be the testator and the witnesses respectively,
whose names are signed to the attached instrument; and, all of �
these .persons.. being. by me _ first . duly. _sworn, MARIE T. GANG, the
testator, declared to me and to the witnesses in my presence that �
k said instrument is her Last Will and Testament, and that she had �
� willingly signed and executed it in the presence of said witnesses �
, as her free and voluntary act for the purposes therein expressed, �
� and that said witnesses stated before me that the foregoing Will �
. was executed and acknowledged by the testator as her Last Will and �
� � Testament in the presence of said witnesses, who in her presen�e
and at her request, and in the presence of each other did subscribe �
� their names thereto as attesting witnesses on the day of the date
' of said Wil1, and that the testator at the time of the execution of �
said Will was over the age of eighteen (18) years and of sound and !
disposing mind and memory. �
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RESIGNATION OF TRUSTEE AND APPOINTMENT OF
SUCCESSOR TRUSTEE FOR
THE GANG REVOCABLE LIVING TRUST
WHEREAS Augustus J. Gang and Marie T. Gang created The Gang Revocable Living
Trust on August 3, 2004, (the"Trust") as the Grantors and original Trustees;
WHEREAS Augustus J. Gang has predeceased Marie T. Gang, making Marie T. Gang
the sole Trustee of the Trust; and
WHEREAS Marie T. Gang wishes to resign as Trustee of the Trust and thereby transfer
to the First Successor Trustee, Michael W. Gang, the responsibility to act as Trustee under the
Trust.
NOW THEREFORE,Witnesseth that:
1. Marie T. Gang, the surviving original Trustee, pursuant to Article IX Section C of
the Trust, having provided written notice to the adult beneficiaries of the Trust,
hereby resigns as Trustee of the Trust, thereby vestirig status of Trustee of the
Trust in First Successor Trustee, Michael W. Gang as named in Article IX Section
D of the Trust. .
2. Michael W. Gang, the First Successor Trustee designated under Article IX
Section D of the Trust, hereby accepts appoinhnent as Trustee of the Trust
effective on the date hereof.
WITNESS the following signatures and seals: �
� ��
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Marie T. Gang (SEAL) Michael . Gang ' (SEA
Surviving Original Trustee First Successor Trustee ,
Sworn to or affirmed,�d acknowledged
be .r e this��`� day of February, 2012
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GANG
REVOCABLE LIVING TRUST
THIS AMENDED AND RESTATED DECLARATION OF TRUST i s made
and signed this 3rd day of August, 1994, by AUGUSTUS J. GANG and
MARIE T. GANG, of Williamsburg, Virginia, the Grantors and original
Trustees. The name of this trust is THE GANG REVOCASLE LIVING
TRU�T. The original Trust was signed April 2, 1993 . This AmPnded
and Restated Trust completely amends and restates in its entirety
the provisions of the original Trust.
� ARTICLE I
CREATION AND LIFETIlIZE DISPOSITION OF TRUST
A. Family. The Grantors are married and now have three
children, PATRICIA A. GANG, MICHAEL W. GANG and JOSEPH A. GANG.
B. Creation of Trust. The Grantors have transferred, or will
transfer, to the Trustee all their interest in the assets listed on
the attached Schedule A (List of Assets) to be held under the terms
of this Trust. The Trustee acknowledges receipt of the assets and
agrees to hold in trust, manage, invest and distribute the assets
as provided in this Trust .
C. Equal Contributed Shares. The Grantors declare that,
regardless of how the assets were acquired and titled, for purposes
of this Trust the assets (and all reinvestments; refunds and
replacement of such assets) shall be divided equally into two
separate shares, one for each Grantor. 'I'o the extent that either
Grantor' s si�are exceeds his or her actual contribution to the
Trust, the amount of the difference shall constitute an irrevocably
completed gift from the other Grantor. Any assets received by the
Trustee on account of a Grantor' s death shall be added to that
Grantor' s Separate Trust . The Trustee shall hold and retain each
Grantor' s share in a Separate Trust to be administered and
distributed in accordance with the terms of this Trust. The
Trustee may segregate assets for accounting purposes, but need not
separate them physically.
D. Revocation and Amendment. Each Grantor reserves the right,
during his or her lifetime, to revoke or amend this Trust with
respect to such Grantor' s Separate Trust, by a signed writing
tOBERTM.PFEIFER delivered to the Trustee. Upon the revocation of a Grantor' s
ATTORNEYATLAW {...
NEWPORTNEWS,VA Separate Trust, the Trustee shall deliver the assets �� l. e
VIRGINIA BEACH,VA
Separate Trust to the Grantor as he or she directs in the
instrument of revocation.
E. Additional Contributions. The Grantors reserve the right
during their lifetimes to transfer additional assets to the Trust,
or to substitute or remove any assets . The Grantors also reserve
the right to transfer additional assets to the Trust at death, by
Will or otherwise. Assets received by the Trustee on account of a
� Grantor' s death shall be added to such Grantor' s Separate Trust .
F. Trust During Each Grantors' Lifetime. During each Grantor' s
lifetime, the Trustee shall pay to or for the benefit of each
Grantor all of the net income of his or her Separate Trust in
quarterly or more frequent installments and may pay to or for the
benefit of each Grantor as much of the principal af his or her
Separate Trust as the Trustee may deem appropriate for that
Grantor' s support, health and comfort. Each Grantor may direct the
Trustee in writing at any time to distribute all or any portion of
the principal of his or her Separate Trust to any one or more
individuals. Any payment may be made outright, to a custodian or
to a trustee to be held in further lawful trust.
G. Trust During a Grantor's Incapacity. In the event of a Grantor' s
incapacity, the Trustee may pay or apply for the Grantor' s benefit
so much of the income or principal of such Grantor' s Separate Trust
as the Trustee may deem necessary to provide for the Grantor' s
support, health (including medical, dental, hospital and nursing
expenses and expenses of invalidisml and to pay such Grantor' s
obligations.
H. Disposition at Grantor's Death. Upon the death of the f irst
Grantor to die, the Trustee shall administer the assets of� such
Grantor' s Separate Trust as directed in Article II .
ARTICLE II
DISPOSI?ION UPON FIRST GRANrOR'S DEATH
A. Tangible Personal Property. The Grantors, or either of them,
may leave a signed memorandum attached to this Trust making gifts
of certain items of tangible personal property (such as furniture,
furnishings, jewelry or personal effects) . Upon a Grantor' s
death, the Trustee shall_ distribute such property pursuant to the
terms of the memorandum. All tangible personal property not
distributed pursuant to any such memorandum shall be added to the
residue of the Trust assets to be disposed of as provided below.
B. Residue of Trust. The Trustee shall divide the balance of
the assets held in the Grantor's Separate Trust into the Marital
Trust and the Family Trust as directed in Article VI. The Trustee
shall administer the Marital Trust and the Family Trust as directed
. 2
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in Articles III and IV, respectively.
ARTiCLE III
MAR�rAL TRUST
A. During Surviving Grantor's Lifetime. The Trustee shall pay the
net income of the MariL-al Trust to or for the benefit of the
surviving Grantor ("Surviving Grantor") in quarterly or more
frequent installments, and may pay to or for the benefit of the
Surviving Grantor as much of the principal of the Marital Trust as
the Trustee may deem appropriate for his or her support and health
(including medical, dental, hospital and nursing expenses and
expenses of invalidism) . . �
B. Disposition at Surviving Grantor's Death. Upon the death of the
Surviving Grantor, the Trustee shall distribute the principal and
any accrued or undistributed income of the Marital Trust as he or
she may appoint by specific reference to this power in his or her
Will. The Surviving Grantor may appoint to any persons, including
his or her estate, and he or she may appoint outright, to a
custodian or to a trustee to be held in further lawful trust . The
Trustee shall add the unappointed principal and income to the
Family Trust .
� ARTICLE IV
FAMIIY TRUST
A. During Surviving Grantor's Lifetime. The Trustee shall
administer the Family Trust as directed in the following
paragraphs.
(1� Income. The Trustee shall pay the net income of the
Family Trust to or for the benefit of the Surviving Grantor in
quarterly or more frequent installments .
�2� Principal. The Trustee may pay to or for the
benefit of the Surviving Grantor or any of the Grantors'
descendants as much of the principal of the Family Trust as the
Trustee may deem necessary for their health (including medical,
dental, hospital and nursing expenses and expenses of invalidism) ,
support (consistent with the standard of living enjoyed by him or
her at the time of the first Grantor' s death) , maintenance and
education; provided, th�at no such payment shall be made from the
principal of the Family Trust so long as there shall remain in the
Marital Trust cash or other readily available assets .
B. Advancements. During the Surviving Grantor' s lifetime,
the Trustee may also make advancements to any of the Grantors'
. 3
- children for such purposes, in such amounts and upon such terms as
the Trustee may deem appropriate, including funds to make a down
payment on a residence, to enter a business or profession, to get
married, or for such other reasons . The decision of the Trustee
whether a discretionary distribution of principal to a child
constitutes an advancement shall be final and binding on all
beneficiaries.
C. Distribution at Surviving Grantor's Death. At the Surviving
Grantor' s death, the Trustee shall distribute the remaining
undistributed assets of the Family Trust (including any assets
received from the Marital Trust or other sources) to the Grantors'
children in equal shares, per stirpes, the descendants of a
deceased child to take the share their parent would have taken had
the parent survived the Grantors. �
ARTICLE V
IlVTERFSTS VESTIlVG IN CIIZTAIN BENEI�TCIARIES
A. Beneficiaries Under Certain Age. Whenever any trust interest
vests in a grandchild or other beneficiary under age twenty-five
(25) , the Trustee may hold the interest in trust . The Trustee may
pay to or for the benefit of the beneficiary as much of the net
income or principal of the trust as the Trustee may deem
appropriate for the beneficiary' s support, health and education.
When the beneficiary reaches age twenty-five (25) , the Trustee .
shall distribute the trust assets to the beneficiary. If the
beneficiary dies before reaching that age, the Trustee shall
distribute the trust assets to the beneficiary' s estate.
B. Distribution to Custodian. The Trustee may also
distribute any interest vesting in a beneficiary under age twenty-
one (21) to a custodian under the Virginia Uniform Transfers to
Minors Act (21) .
C. Education. The term "education" as used in this Trust
shall include vocational school, college, graduate school, and
study in music or art if, in the Trustee' s discretion, the study is
pursued to advantage by the beneficiary at or with a legitimate and
reputable institution or individual. In determining discretionary
payments, the Trustee shall consider the beneficiary' s reasonably
related living and travel expenses .
ARTICLE VI
DIVISION INTO FAMILY TRUST AND MARTTAI-TRUST
A. Assets Subject to Division. Upon the death of the first
Grantor to die, the Trustee shall divide the principal of the
assets held in such Grantor' s Separate Trust and any other assets
4
received by the Trustee that are included in such Grantor' s gross
estate for federal estate tax purposes, after payment of any
charges under Article VIII (collectively the "Trust Assets") , into
the Family Trust and the Marital Trust in the manner described in
this Article.
B. Family Trust. The Family Trust shall consist of a
fractional share of the Trust Assets . The numerator of the
fraction shall equal the largest value, if any, of the Trust Assets
that can pass free of fed�ral estate tax by reason of the unified
credit and the credit for state death taxes (to the extent the use
of such credit does not increase state death taxes) allowable to
the Grantor' s estate, after reduction by reason of (1) adjusted
taxable gifts, (2) other dispositions of property included in the
Grantor' s gross estate for which no marital, charitable or other
deduction is allowed in computing federal estate tax, and (3)
administration expenses and other charges to principal that are not
claimed and allowed as federal estate tax deductions . The
denominator of the fraction shall equal the value of the Trust
Assets based upon values as finally determined for federal estate
tax purposes .
_ C. Marital Trust. The Marital Trust shall consist of the
remaining fractional share of the Trust Assets.
D. Allocation of Assets. The Trustee shall not allocate to the
Marital Trust any property or proceeds of property that cannot
qualify for the marital deduction. The Trustee shall segregate and
add to the Family Trust all assets that are not included in the
Grantor' s gross estate, and such assets shall not be subject to the
division described in this Article. In other respects, the Trustee
may allocate assets as the Trustee may deem to be in the best
interests of the beneficiaries, valuing each asset on the date of
allocation. Assets allocated to one trust or share may be of
different character or have different income tax bases than assets
allocated to another trust or share.
ARTICLE VII
DEATH OF SURVIVING GRANTOR
Upon the death of the Surviving Grantor, the Trustee shall
distribute the principal and any accrued or undistributed inCome of
the Surviving Grantor' s Separate Trust as he or she may appoint by
specific reference to this power in his or her Will . The Surviving
Grantor may appoint to any persons, including his or her es�ate,
and he or she may appoint outright, to a custodian or to a trustee
to be held in further lawful trust. The Trustee shall add the
unappointed principal and income to the Family Trust .
5
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AR�C� Y...
DEBTS, TAXFS AND OTHIIIER CHARGES
On a Grantor' s death, the Trustee rnay pay such sums to or
for the benefit of the Grantor' s estate, from the Grantor' s
Separate Trust, as may be necessary to pay his or her legally
enforceable debts, expenses of last illness, charitable pledges,
funeral and burial e�enses, costs of administration, and all
estate, inheritance and similar transfer taxes payable by reason of
the Grantor' s death, including interest on taxes. Except as
otherwise provided with respect to certain disclaimed property, the
Trustee shall pay the debts, taxes and charges before the division
of the assets under Article VI, and the payments shall not be
charged against the Marital Trust or the share of any beneficiary.
�xTTc��
TRUSTEES
A. Definition. The term "Trustee" shall include (1)
successor Trustees, and (2) multiple Trustees acting as Co-
Trustees.
B. Co-Trustee. Where Co-Trustees are appointed and serving,
all Co-Trustees shall act together. Nevertheless, Co-Trustees may
delegate to any one Co-Trustee any nondisCretionary power
including, but not limited to, the power to sign checks, withdrawal
slips, instructions for the receipt or delivery of securities or
other property, and instructions for the payment or receipt of
money; and to execute stock powers, proxies or powers of attorney
to vote any securities or represent the Trustee as the holder or
owner of any securities.
C. Resignation of Trustee. Any Trustee may . resign by giving
written notice to the adult beneficiaries and the parents or
guardians of any minor beneficiaries . The resignation shall be
effective upon the appointment of a successor Trustee .
D. Successor Trustee. If any Trustee resigns or ceases to �
serve by reason of death, disability or incapacity, the acting Co-
Trustee shall continue to serve as sole Trustee. If there is no
acting Co-Trustee, the following persons, in the order appointed,
shall act as successor Trustee :
First Successor Trustee: MICHAEL W. GANG
Second Successor Trustee: PATRICIA A. GANG
Third Successor Trustee: JOSEPH A. GANG
6
i
� � 1
: _ �
A successor Trustee' s appointment shall be effective upon
written acceptance of this Trust by the successor Trustee. If,
after the death of both Grantors, no successor Trustee is
designated to act, a successor Trustee may be appointed by the
majority vote of the adult beneficiaries .
E. Disability of Trustee. The disability or incapacitation of a
Trustee shall be established by the written certification from the
Trustee' s personal physician, or if none, from a licensed medical
doctor chosen by the acting Co-Trustee, or if none, the next
appointed successor Trustee. The certification must state that the
Trustee cannot discharge the duties of Trustee because of inental or
physical impairment or infirmity.
F. Liability of Trustee. No Trustee shall be liable for any act
or omission performed in good faith, or for anything otY�.er than
willful default or gross negligence. No Trustee shall� be liable
for the acts or omissions of a Co-Trustee or any agent appointed
with due care . No Trustee shall be liable for the acts or
omissions of a predecessor Trustee.
G. Compensation. Any individual serving as Trustee who is not
a beneficiary under this Trust shall be entitled to reasonable
compensation for fiduciary services. Any corporate fiduciary shall
be entitled to the compensation specified in its published schedule
of fees in effect at the time the services are rendered. Any
Trustee shall be entitled to reimbursement for reasonable expenses
incurred in acting as Trustee.
H. Fiduciary Powers. In addition to the powers granted by
law, any Trustee acting under this Trust shall have those powers
set forth in Section 64 . 1-57 of the Code of Virginia as in force on
the date this Trust is signed, the provisions of which are
incorporated in this Trust by this reference. If any asset donated
to this Trust does not meet the requirements of the prudent man
standard set forth in Section 26-45 . 1 of such Code as then in
force, the Trustee may nevertheless retain the asset for so long as
the Trustee may deem appropriate, subject to the provisions of
paragraph I of this Article. The Trustee may borrow money for any
purpose deemed in the best interests of the beneficiaries under
this Trust, and secure such borrowings with any assets of the
Trust.
I. Investment Powers. In addition to the fiduciary powers
granted in paragraph H, the Trustee shall have the following
specific investment powers: (1) to invest in or otherwise acquire
any property including, but not limited to, common and preferred
stocks, secured and unsecured obligations, mutual and common funds,
and annuity funds, including short sales, on margin, and options in
any such investments, (2) to place the assets of the Trust in one
or more bank, brokerage, custodian or other accounts with any
7
banks, trust companies or stock brokerage firms, and to pay the
cost of maintaining such accounts, and (3) to employ attorneys,
banks, brokers, custodians, investment counsel and other agents,
and to delegate to them duties, rights and powers of the Trustee,
including the right to vote on shares of stock constituting a part
of the Trust.
J. Administration of Marital Trust. The Surviving Grantor may
direct the Trustee to make any unproductive assets of the Marital
Trust productive or convert them within a reasonable time. In
funding or administering the Marital Trust, the Trustee shall not
exercise any power in a manner that would infringe upon any legal
requirement for the allowance of the marital deduction.
K. Termination or Consolidation of Trusts. If, at any time after
the death of the Surviving Grantor, the size� of any trust under
this Trust is so small that, in the opinion of the Trustee, the
trust is uneconomical to administer, the Trustee may terminate the
trust and distribute the assets to the persons then authorized to
receive trust income in such shares as the Trustee may deem
appropriate. The Trustee may merge or consolidate any trust
created in this Trust with any other trust created by either
Grantor, or any other person, having the same Trustee and
substantially the same dispositive provisions.
L. Amendment of Administrative Provisions. The Trustee may, upon
notice to each beneficiary, amend any administrative provisions of
this Trust that cause unanticipated tax liability, or conform the
administrative provisions of the Trust to the requirements of the
taxing authorities, as well as any state law requirements . The
Trustee is, therefore, authorized to execute any documents and
enter into any agreements with the Internal Revenue Service, or any
other governmental body, in an effort to minimize the taxes
resulting from this Trust .
M. Fiduciary Discretion. The powers and discretion granted to
the Trustee are exercisable only in a fiduciary capacity and may
not be used to enlar�e or shift any beneficial interest except as
an incidental consequence of the discharge of fiduciary duties .
The Trustee may make discretionary payments to beneficiaries in
unequal shares and may consider other sources of income, support or
resources available to any beneficiary of which the Trustee has
knowledge. No individual serving as Trustee shall have a voice in
any discretionary decision to distribute income or principal of any
trust in order to discharge a legal obligation of the individual or
for the individual' s pecuniary benefit unless necessary for the
individual` s support, health or education.
N. Accountings. Following the Surviving Grantor' s death,
the Trustee shall make an annual accounting to the adult
beneficiaries and the parents or guardians of any minor
. 8
beneficiaries. The Trustee shall not be required to file the
accounting with any public official .
O. Bond. Except as required by law, no Trustee shall be
required to give bond or post surety on a bond for the performance
of duties under this Trust .
P. QTIP Elections. The Grantors have authorized their Executors
under their Wills to elect that all or a fractional share of the
Marital Trust qualify for the marital deduction as qualified
terminable interest property (the "QTIP share") . Without limiting
the discretion of their Executors, the Grantors anticipate that the
Executor of the first Grantor to die will elect to qualify the
entire Marital Trust as the QTIP share �inless .other t.ax or
administrative considerations make different elections appropriate
in the opinion of the Executor. Should the Executor elect to
qualify only a portion of the Marital Trust for the marital
deduction, the Trustee shall make all payments to the Surviving
Grantor from the principal of the Marital Trust first from the QTIP
share. At the time of the first prinCipal payment, the Trustee may
establish a separate trust for accounting purposes for the QTIP
share. At the Surviving Grantor' s death, the Trustee shall
distribute to the Surviving Grantor' s estate from the principal of
� the Marital Trust a sum sufficient to pay the estate and
inheritance taxes payable at the Survivin� Grantor' s death and
attributable to the principal of the QTIP share .
ARTICLE X
MISCFT 7_ANEOUS PROVISIONS
A. Insurance. The Trustee shall not be required to pay any
premium or perform any act necessary to continue in force any
insurance policies payable to the Trustee. At a Grantor' s death,
the Trustee shall collect the net proceeds of any policies payable
to the Trustee and may execute a�y necessary receipts and releases .
No insurance company shall be responsibl�e for �Che execution of any
provision of this Trust. �
B. Spendthrift Provisions. To the extent permitted by law, the
principal and income of any trust shall not be liable for the debts
of any beneficiary or subject to alienation or anticipation by a
beneficiary, except as otherwise provided.
C. Survivorship. MARIE T. GANG shall be deemed to have survived
AUGUSTUS J. GANG if the Grantors die simultaneously or if, in the
opinion of the Trustee, there is not sufficient evidence the
Grantors died otherwise than simultaneously.
9
I
D. Adoption. A person related by or through adoption shall
take under this Trust as if the person were related by or through
birth.
E. Disclaimer. Any beneficiary, or the legal representative of
any deceased beneficiary, shall have the right, within the time
prescribed by law, to disclaim any benef it or power under this
Trust . All or any part of the Marital Trust disclaimed by or on
behalf of the Surviving Grantor shall be added to the Family Trust.
The Surviving Grantor shall have the same interest in the Family
Trust (unless he or she also disclaims the interest in the Family
Trust) . Transfer taxes incurred at the death of a Grantor and
attributable to a qualified disclaimer of property included in his
or her gross estate shall be paid from the disclaimed property.
The transfer taxes attributable to a qualified disclaimer shall be
the difference between (1) the actual taxes payable, and �(2.) the
taxes that would be payable if the disclaimer were not made.
F. Perpetuities. If any interest continues to be held in
trust on the date that is twenty (20) years after the death of the
survivor of the Surviving Grantor and the Grantors descendants
living on the date of this Trust, the Trustee shall immediately
distribute the Trust assets to the persons then authorized to
receive trust income, or if more than one is authorized to receive
trust income, to the one or ones whom the Trustee may deem
appropriate and in such shares as the Trustee may deem appropriate.
G. No Contest. If any individual who is a beneficiary under
this Trust shall attempt to attack or contest the validity of this
Trust, or any provision regarding the distribution of any assets in
the Trust, the share or interest otherwise given to such
contesting beneficiary shall be revoked and shall be disposed of' as
though the contesting beneficiary had predeceased the Grantors.
H. Construction of Terms. Where appropriate to the context, the
singular includes the plural and the masculine includes the
feminine. References to transfer taxes shall include gift, estate,
inheritance and similar taxes, as well as generation-skipping
transfer taxes. Tax-related terms shall be construed in the
context of the federal revenue laws in effect at the death of the
Decedent Grantor. The paragraph headings are for convenience only
and shall not be used for interpretation of this Trust . If any
portion of this Trust is held to be void or unenforceable, the
balance shall neverth�less be given effect .
I. Governing Law. This Trust is executed in virginia and
shall be governed by its laws.
10
I
WITNESS the following signatures and seals .
1(SEAL)
Augustus . Gang, G a or a Trustee
� (SEAI,)
Marie T. Gang, Grantor d Trustee
STATE OF VIRGINIA
AT I,AR.GE:
The foregoing instrument was personally acknowledged before me
this 3rd day of August, 1994, by A s J. Ga nd Marie T.
Gang, Grantors and Trustees .
' �u.C�t11J>
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FILED
---�!19�AT ''�-�p,�
DORRIS A. FRY
Register of DEec�s
Dare County, N. C.
Excise Tax $6.00 Recording Time,Book and PaQe
Prepared By and Return to: Leonard G. Logan,Jr.,Attorney, P.O.Box 449, Kitty Hawk, NC 27949
STATE OF NORTH CAROLINA, COUNTY OF DARE
THIS DEED,made this��day of F���y , 19 g4 by and between OUTER BANKS BEACH CLUB,
INC.,a North Carolina corporation hereinafter called Grantor,and Aurnrnistus J. Gana and
Marie T. Ganct, P. O. Box 1057, Williamsburq, VA 23185
hereinafter called Grantee.
WITNESSETH:That the Grantor,for and in consideration of the sum of TEN DOLLARS($10.00)and other good
and valuable considerations to him in hand paid by the Grantee,the receipt whereof is hereby acknowledged,has
given, granted, bargained, sold and conveyed, and by these presents does give, grant, bargain, sell, convey and
con:'irm unto the Grantee, his heirs and/or successors and assigns, premises in Atlantic Township, Dare County,
North Carolina,described as follows.
Unit Week(s)No.(s): 77 an� 49 , Unit �aA
Unit Week(s)No.(s): Unit
OUTER BANKS BEACH CLUB, INC. Condominiums, according to the Declaration of
Condominium thereof recorded in the Dare County Public Registry. Each said Unit Week
consists of an undivided 1/52 interest in fee simple in said Condominium Unit,together with
the right to exclusive use and occupancy of said Unit during the aforesaid Unit Week(s)as
defined in said Declaration o°Condominium,subject to all of the provisions providing for the
use and occupancy o'said Unit by Unit Weeks contained in said Declaration, all of the
provisions of which Declaration are incorporated herein by this reference.
This conveyance is subject to taxes for the currentyear and subsequentyears;conditions,restrictions,limitations,
reservations,easements,and other matters of record in Dare County,North Carolina af°ecting said unit;and,the
aforesaid Declaration of Unit Ownership and amendments thereto of record in the Dare County Public Registry.
The above land was conveyed to Grantor by Deed duly recorded in the Dare County Registry.
TO HA�E AND TO HOLD the above described premises with all the appurtenances thereunto belonging,or in
arry wise appertaining,unto the Grantee, his heirs and/or successors and assigns.'orever.
,;AND the Grantor covenants that it is seized o°said premises in.'ee,and has the right to convey the same in fee
simple;that sa4d..premises are free from encumbrances(with the exceptions above stated,if any);and that it will
warrant,and derend the said title to the same against the lawful claims of all persons whomsoever.
, When re°erence is made to the Grantor or Grantee,the singular shall include the plural and the masculine shall
include the'.`eminine or the neuter;
IN WITNESS WHEREOF,the Grantor has caused this deed to be executed by its duly authorized officers and its
seal to be hereunto affixed, the day and year:irst above written.
ATTEST: OUTER BANKS BEACH CLUB, INC.
� � . � `
f BY:
(Corporate 5eal) _-�tsSecretary Its President
`t`a�ttRH1MrI��AMi' NORTHCAROLINA.._......_- -__. __S.R-�`^�--__.._- _- - Co nty //��
,,�0��',\oa Ei, jjfn?rr, I,allotaryPoblicoftheCountyandStateatoresaid,certitytha[ . .._ ..y[_.,J.�.�i�..-r5.— .� � ��C2�a..l.+—^.-•.._,
� �\,,•°•••••,•��< ,�•• Y y and acknowledSes that.�h /1
. .� ��r z l��nally mme betore me thisda s._. /7tS.Ci-� . __...Secretaryor
__.
, • • � .. ... .... .. _..._ _
ti � •, Y x ,,_ OUTER BANKS BEACH CLUB.INC. ___.a North Carolinacorporation.and thatbyauthorityduly
�. : '. J . . . _ _.. ._ _ . ..... ......_.
. • `�OTAR o <
� • V . � ,� givenandastheactoffhecorporauon,theforegoinginstrumentivassigned n tsnamebyrts
� � � ,r� . . ... . ... ..... ....... ....
� ; p ; . m Pres�dent,sealed w�ith its corporete seal and attested by `t��-t as iLs .,!'/:�Si,$� .. .._ . . . ... .. __...Secretary.
� =. U B L I� ; � � w����s mY na�a a ���si�r� o �ei.�n�s ��`J asy r � .�s� ..
� , • , 1.; . _. _ _
.
'�.�9/F� ••....,�.••' � ,� P cy-_�' dS c��� .�.✓_. �e�
'r \ a M>�commioion ex res _......... .._. �.' .. ._ �C../ ... Zsu__.Notary Public
....._.._ __.
'o C nmTV. �'.�'
�� ��r,n�e�eU e
STATE OF NORTH CAROLINA, COUNTY OF DARE
The foregoing certificate of Linda H. Helm a Notary Public of Dare County, N. C.
is certified to be correct.This instrument and this certi.'icate are duly registered at the date and time and in the Book
and Page shown on the first page hereof.
REGISTER OF DEEDS FOR DARE COUNTY
RY �-8: , `L�, �l.l k ��ASSISTANT REGISTER OF DEEDS
" '''�_-Jlit-� -19$d�.s__,
��
�
MEMBERS lst
FEDERALCREDIT UNION
REGULAR SAVINGS ACCOUNT:
Account Number/Suffix 273804-00
Date Account Established 10/31/2005
Principal Balance at Date of Death $46.59
Accrued Interest to Date of Death $0.00
Total Principal and Accrued lrterest $46.59
Name of Joint Owner None
CERTIFICATE OF DEPOSIT:
Account Number/Suffix 273804-46
Date Account Established 12/13/2011
Principal Balance at Date of Death $36,943.21
Accrued Interest to Date of Death $12.75
Total Principal and Accrued Interest $36,955.96
Name of Joint Owner None
CERTIFICATE OF DEPOSIT:
Account Number/Suffix 273804-47
Date Account Established 11/02/2010
Principal Balance at Date of Death $66,001.70
Accrued Interest to Date of Death $25.32
Total Principal and Accrued Interest $66,027.02
Name of Joint Owner None
MEMBERS 1ST FEDERAL CREDIT UNION
� G
Tessa L Klugh
Lending Insurance Support Specialist
May 23, 2014
Estate of: MARIE T GANG
Date of Death: 0312912014
Social Security Number: 084-12-7496
5000 Louise Drive • P.O.Box 40 • Mechanicsburg,Pennsylvania 17055 • (800) 283-2328 • wwwmemberslst.org
BankofAmer�ca���
M�iy 15, 2014
1'ost & Schcll 1'C
17 North Sccond Strcet 12`�' I�1
I larrisburg Pf1 17101
l�:c�ardiil� the estate oP: MnlZl�l� �1, GANG
Dear Michael W Gan�;:
"I'hanl< you for contacting us regarding the estate o1��MARIE "I' GANG.
Listcd below is the tinancial inPorination you 1-equested on the account(s) held in the ilanze of the
abovc rcicrenced decedent as of the date of death of 3/29/2014:
Ue}x�sit Accotu�ts:
Account'I'ypc Nunll�cr Account Details
C"hcckinb xx��xaxx5C15 Balancc at date of death: $417.92
Accrued interest: $0.00
Status: Open :1 1/O 1/81
'I'itle: MARIL; T GANG
At1(iUS"I'US J GANG �
Nlc�se also b� advised that �10 Sa(�c Dcposit 13ox was found.
I l�y��u need adclitional assistance, sucl� as obtaining statement copies or closinb el�eeking or savings
accounts, pleasc mail your written req�icst to olir legal correspondence center at the address below:
I3ank ol��lmcrica
l�,nterprise Estate Unit
PO Boa 982238
�I Paso, TX 79998-2238
ou-�v-z�?sNsliw vo��l3
BankofAmerica �''�
I1�you havc any qucstions i-egardinb this lettei•, please call us at 1.503.8�2.7770, Optioi� 7, Monday
thi-o�i�h l�i-iday i�r•om � a.n1. to 5 p.m. Fastei•�1.
S i ncei•e 1 y,
/�ccount Validation
98vw
00-�9-272SNSl3W V0913
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Premium Money Market Statement � ��PNCBANK
i��vc ���Yik
��.w°
Primary account number:50-0441-4465
Page 1 of 3
For the period 01/09/2014 to 04/07/2074 Number of enclosures:0
000305 p For 24-hour banking,and transaction or
��� { GAN6 REVOCABLE TRT �interest rate information,sign on to
MARIE T 6ANG TTEE PNC BankOnline Banking at pnc.com.
URTAD 08/03/1994 a Forcustomerservicecall1-888-PNC-BANK
603 COUNTRY CLUB RD Monday-Friday:7 AM-10 PM ET
CAMP H I L L PA 17 O 11-1613 Saturday&Sunday: 8 AM-5 PM ET
Para servicio en espar�ol, 1-866-HOLA-PNC
MovingT Please cont2ct us at 1-888-PNC-BANK
� Write to:Customer Service
PO Box 609
Piµsb�;�yt,�'A 35230-9738
�Visit us at PNC.com
� TDDterminal; 1-800-531-1648
For hearirt�,im1�aired clien�s only
Premium Money Market Account Summary Gang Revocable Trt
Account number: 50-0441-4465 Marie T Gang TTEE
U RTAD 08/03/1994
Overdraft Co�erage-Your account is currently�pted-Out.
You or your joint owner may revoke your opt-in or opt-out choice at any time.
To learn more about PNC Overdraft Solutions visit us online at pnc.com/overdraftsolutions.
Call 1-877-588-3605,visitany branch,or Sign on to PNC Online Banking,and selectthe"Overdraft
Solutions"link under the Account Services section to manage both your Overdraft Coverage and Overdraft
Protection settings.
Balance Summary
Beginning Deposits and Checks and other Ending
balance other additions deductions balance
7ri,?55.74D 20.14) .00 firi,275.9$
Average monthly Charges
balance and fees
'7ri,`?fiE).17 .00
Interest Summary As of 04/07,a total of$27.67 in interest was
�aid this year.
Annuai Percentage Number of days Hverage collected interest Paid
Yield Earned(APYE) in interest period balance for APYE this period
0.71% Sf3 '7�i,`�(i:.f.'74 2U.19
Activity Detail
Deposits and �ther Additions There were 3 Deposits 2nd Other Additions
Date Amount Description tot211ng�2�.78.
02�07 6.�30 Inle.t-est Yaj�mcnt
03 j 0'7 (i.36 Inlerest Pay�uent
04j07 7.03 intcresl Payincnt
Daily Balance Detail
Date Balance Date Balance Date Balance Date Balance
0]�U9 7ri,�ri5.79 0`��`07 7�i,?(i�.rit) O�jO'7 7ri,�Fi3.95 04/0'1 7ri,275.93
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Monthly Account Statement
April 1,2014 through April 30,2014
P.O.Box 8266•Boston,MA 02z66
000097 SH WFft2PA01
AUGUSTUS J GANG AND Account Number: 667-8800362490
MARIE T GANG TTEES Investor Services: 1-800-222-8222
. •+•
GANG REVOCABLE LIVING TRUST 24 hours a day,7 days a week
;y�� U/ADTD4/2/93 Automatedline: 1-800-368-7550
�: 603 COUNTRYCLUB RD Web site: www.wellsfargo.com/advantagefunds
CAMP HILL PA 17011-1613
� Wells Fargo Advantage Funds: Trust
Utility and Telecommunications-A
TOTAL ACCOUNT VALUE =
As ofApri130,2014 $0.00 =
CHANGES IN YOUR ACCOUNT VALUE INCOME SUMMARY =
Beginning Balance(4-1-14) $12,943.62 This Period Year-to-Date =
Deposits 0.00 Dividends =
Withdrawals -12,943.62 Taxable $0.00 $37.32 —
Totallncome 0.00 Tax-Exempt/Deferred 0.00 0.00
Change in Value 0.00 Capital Gains(paid by holdings)
Ending 8�lanCe(�3f1�1:4� ;�p pp: Short-Term 0.00 0.00
- - - - Long-Term 0.00 0.00
Totallncome $0.00 $3732
CURRENT HOLDINGS
Account Number Symbol Cost Basis Value on 4-7 74 .....I�alu.e..nn 4 3Q 14
Specialty Funds
Utility and Telecommunications-A 667-8800362490 EVUAX $12,943 62 , ;, ;$0 OQ:
Cost Basis Method(covered): Average Cost-Default $0.00
���
'��7
(cont'd on back)
Page 1 of 3
nn i m nno�nnn i innm 79n7F 17�i9�,SaFi-7-144 37
Wells Fargo Advantage Funds"' HOW TO REDEEM VERIFICATION OF ACCOUNT STATEMENTS
24-hour ACCOUNT INFORMATION: Written redemption Contact Wefls FargoAdvantage Funds in
For automated quotes,balances, writing regarding any errors or discrepancies
and transactions:1-800-368-7550 10 rnake a written redemption,please send W�thin 60 days after the date of the statement
your request to Wells FargoAdvantage Funds confirming a transaction.Wells FargoAdvantage
HOW TO INVEST and indude:
Online Fun�ls may deny your ability to refute a
•Your account number transaction if Wells Fargo Advantage Funds does
Complete and submit an application online
at wellsfargoadvantagefunds.com.Contact •ihe number of shares or dollar amount not hear from you within those 60 days.
Wells FargoAdvantage Funds for details. you want to redeem NOTES ABOUT YIELD INFORMATION FOR
•Each owne�'s name as registered on WELLS FARGO ADVANTAGE FUNDS
By mail the account
To add to our account,send a check a able Yields are annualized.Performance is historical
Y P Y •Your account address and does not guarantee future results.
to Wells Fargo Advr�ntage Funds along with .The si nature of all owners as their
the Investment Form that is induded with g The Fund's adviser has committed to waive all
names appear on the account or a portion of its management fees or assume
this statement to P.O.Box 8266,Boston,
MA 02266.See the minimum additional Please note that a Medallion Guarantee may responsibility for other expenses,which reduces
investment requirements for each fund in be required.Call We1lsFargoAdvantageFunds operating expenses and increases total retum
the appropriate prospectus. to verify whether a Medallion Guarantee is to shareholders.
needed for your situation.
By electronic funds transfer(EFT)or wire SPECIAL NOTES
Af[er an account has been established,you may Redemptions from retirement accounts Stock fund values fiuctuate in response to the
purchase additional shares by wire or EFT via Call Wells FargoAdvantage Funds to receive the activities of individual companies and general
the telephone or oniine.Contact Wefls Fargo appropriate distribution form to redeem your market and economic conditions.Bond fund
Advantage Funds for details. retirement account.Withholding of federal values fluctuate in response to the financial
income tax,at a rate of 10%,is required unless condition of individual issuers,general market
By automatic investment plan you provide us with an alternative withholding and economic conditions,and changes in
You can automatically make investments to election(either no withholding or more than interest rates.In general,when interest rates
your Wells FargoAdvantage Funds account each l0%)at the time of distribution.If you are rise,bond fund values fall and investors may
month from your financial institution.For an taking a systematic distribution and would like lose principal value.Some funds,induding
automatic investment plan application,call to change your withholding election,you must nondiversified funds and funds investing in
Wells FargoAdvantage Funds at the number notify Wells FargoAdvantageFunds in writing.If foreign investments,high-yield bonds,small-and
listed above. your payment of estimated tax and withholding mid-cap stocks,and/or more volatile segments of
B exchan e is insufficient,you may be subject to federal the economy,entail additional risk and may not
y g income tax penalties under the estimated tax be appropriate for all investors.Consult a Fund's
You can add to an existing account or open a payment rules.Wells FargoAdvantage Funds prospectus for additional information on these
new account by exchanging from one Wells Fargo ipay assess a 525 fee for the transfer of assets and other risks.
Advantnge Funds account to an identically to another custodian or the fuil liquidation of a Carefully consider a fund's investment objectives,
registered account.Please see the minimum retirement account. risks,charges,and expenses before investing.For
investment requirements and other requirements a current prospectus and,if available,a summary
for each fund and fund dass in the appropriate Redemption option prospectus,containing this and other information.
prospectus.As with aii account options,ti�e iund lhis privilege must be preauthorized on your visitour websiteat wellsf4rgoadvantagefunds.com.
may modify,suspend,or terminate the exchange account in order for a telephone redemption Re4d it carefully before investing.
privilege at any time. to be made.Piease call Wel/s Fargo Advantage �1Vells Fargo Funds Management,LLC,a wholly
By payroll direct deposit or funds or visit the"Your Account"area of owned subsidiary of Wells Fargo&Company,
government allotment wellsfargoadvantagefunds.com for a provides investment advisory and administrative
Shareholder Account Options form.All account services for Wells FargoAdvantage Funds.Other
Each pay period,you can automaticaliy owners may need to have their signatures affiliates of Wells Fargo&Company provide
transfer all or a portion of your net pay to your Medallion Guaranteed to add this privilege to certain subadvisory and other services for the
Wells FargoAdvantage Funds account.This an account.�all Wells FargoAdvantage Funds Funds.The Funds are distributed by Wells Fargo
eliminates the delay of depositing paychecks for more information.
in your bank and then sending Welis Fargo Funds Distributor,LLC,Member FINRA/SIPC,an
Advantage Funds a check tl�rough the mail. HOW TO CHANGE INFORMATION affiliate of Welis Fargo&Company.
Contact Wells Fargo Advantage Funds for details. ON YOUR ACGOUNT Statements and confirmations
By automatic exchange Name changes Statements sumrnarizing activity in your account
This plan lets you automatically exchange money If your name has changed,call Wells Fargo are mailed quarterly.Confirmations are mailed
from one Welis Fargo Advantage Fund to another AdvanTage Funds to request the form needed foilowing each purchase,sale,exchange,or
Fund in the same share class on a monthly, to update your account information. transfer of Fund shares,except generally for
quarterly,or annual basis.Contact Wells Fargo automatic investment plan and systematic
Advantage Furtds for details. Address or telephone number changes withdrawal plan transactions using electronic
if your address and/or telephone number has funds transfer and purchases of new shares
Front-end load share purchases changed,go to wellsfargoadvantagefunds.com, through the automatic reinvestment
You may be eligible for breakpoint discounts log in to Online Account Access,and dick on of distributions.
based on the size of your purchase,current "Account Services"Or for your convenience,you
holdings,or future purchases.The sales charge can use the Investment Form that is attached to
you paid may differ slightly from the prospectus this statement to update them.A phone call or
disdosed rate due to rounding calculations. letter from you is also acceptable.Signatures of
Please refer to the prospectus or contact all account owners should be induded to make
your financial advisor for further information. the change.
NOT PDIC INSURED■NO BANK GUARANTEE•MAY LOSE VALUE PR2so5
���
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(cont'd on next page)
Page 2 of 3
29076 136965a6-1-14438
. - � ;
Monthly Account Statement
April 1,2014 through April 30,2014
P.O.Box 8266•Boston,MA 02266
AUGUSTUS J GANG AND Account Number: 667-8800362490
MARIE T GANG TTEES Investor Services: 1-800-222-8222
GANG REVOCABLE LIVING TRUST z4 hours a day,7 days a week
U/A DTD 4/2/93 Automated line: 1-800-368-7550
Web site: www.wellsfargo.com/advantagefunds
Wells Fargo Advantage Funds: Trust, cont'd
ACCOUNT ACTNITY
Shares This Share TotalShares
Date Transaction X Price = DollarAmount Owned
Utility and Telecommunications-A EVUAX —
Account Number:667-8800362490 =
Beginning Balance 4-1-14 $17.71 $12,943.62 730.865 —
TRANSFER OUT 4-3-14 730.865 0.00 0.00 0.000 —
Ending Balance 4-30-14 $17.99 $0.00 0.000 =
Ifapplicable,a portion of the front-end sales load on the purchase ofClass A shares is paid to your financial advisor or broker.For this information, —
please send a written request —
ANNOUNCEMENTS —
Twitter.Catch our tweets throughout the day on a variety of topics including investment insights,political news and analysis.Foliow us
and share your thoughts at twitter.com/WFAssetMgmt
i'����
Page 3 of3
nn i on nno�nnn�mnm �9n7F, 1 3F,9F,SaF,-1-74449
T. ROWE PRICE SERVICES, (NC. WWW.TROWEPRICE.COM
.___.w._,_.. ......,...-.�w, �....,..._..� P.O.Box 17302
Baltimore,Maryland
21297-1302
4515 Painters Mil�Road
Owings Mills,Maryland
21117-4903
May 29, 2014
Michael W Gang
603 Country Club Rd
Camp Hill PA 17011-1613
Subject: Requested Information
Dear Mr. Gang:
Thank you for contacting T. Rowe Price regarding the late Marie T. Gang. Please accept our
deepest condolences for your loss.
Please note that Ms. Gang only holds one account with our firm, a Traditional IRA that lists the
following beneficiaries:
Name Allocation
Patricia Gan 33.33%
Michael Gang 33.33%
Joseph Gang 33.33%
Since this account has beneficiaries appointed, they cannot be claimed by the trust. In order to
claim these assets, each of you will need to complete one of the IRA Distribution forms that we
have enclosed. You will each need to provide your information in Section 4A, sign in Section
7A, and obtain a Medallion Signature Guarantee in Section 7C. Instructions for obtaining a
Medallion Signature Guarantee are provided on the form.
Further, we must ask that you please provide us with a�certified copy of the death certificate.
Unfortunately, we received a copy, and although a pho`tocopy is acceptable, it must be certified
in ink by the issuing authority and bear the original certification stamp.
T.Row�ePlrice
INVEST WITH CONFIDENCE
Finally, since March 29, 2014, was not a valid business day, please find below the balance of
Ms. Gang's Traditional IRA, which had no accrued dividends, as of March 28, 2014:
Fund: Growth Stock
Account Number: 4040210877-7
Shares: 701.284
Share Price: $51.51
Balance: $36,123.14 ,
Once we receive the necessary documentation, we will process your request and send
confirmation.
If you have any questions regarding this correspondence, please call a telephone services
representative at 1-800-225-5132. Representatives are available Monday through Friday from 8
a.m. to 10 p.m. ET and Saturday from 8:30 a.m. to 5 p.m. ET.
Sincerely,
V�✓t/`"' �w�"'1.
Justin Swiger
Senior Account Services Representative
Correspondence Number: 02600167
Enclosure(s): IRA Distribution Form (3)
IRA Inheritance Facts Form (3)
Envelope (PPD-RAS) (3)
T.RowePlrice
INVEST WITH CONFIDENCE
Janua�y-March 2014 T���'��
Mutua( Fund Statement �
INVEST WITH COHFIDENCE
Investor Number 442027870
If you have any questions, please visit troweprice.com
or call T.Rowe Price's Personat Services Team at
1039817 02 AB 0.403 "AUTO T6 0 2863 17011-161303 C01-M1 12 -P39856 1-800-225-3222.
�iiri�l�ii��l�liillilli���lil�i�il�l�n�l����lrll�in��l���i�ll
Michael W Gang Tr Could your old 401(k)do better at T.Rowe Price?Take
The Gang Revocable Living Trust ��� � advantage of our investment expertise by calling
U/A Dtd 04/02/1993 ��:�F 1-800-638-5660 to speak with an Investment Guidance
603 Country Club Rd Specialist today.
Camp Hill PA 17011-1613
Portfo(io Value: 5396,263.42
. -
This Quarter Year-to-Date' This Quarter Year-to-Date'
Beginning Value 5397,269.17 S397,269.17 Taxab(e $84131 $841.31
Additions 0.00 0.00
�Year-to-date income may include closed accounts no fongershown on this
Deductions 0.00 0.00 statement.
Income 841.31 841.31 Z The term"Market Fluctuation'reflects any increase or decrease in Fund share prices
since your last statement.It does not reflect a fund's payment oF dividends and
MarketFluctuationz -1,847.06 -1,847.06 interestoranyreinvestmentofdividendsandinterestintoyouraccount.IFallofyour
holdings are money market funds,there should be no change in account value or
Ending Value $396,263.42 $396,263.42 principal due to market fluctuation.For otherterms,please see"AboutYourAccount
and Statement.'
Net Change -$1,005.75 -$1,005.75
•• • •ii�WiY��� _._._.__
12/31/13 3/31/14 Change %of
Non�etirement Value Value in Value Assets
T. Rowe Price Mutual Funds
Equity Income $138,143.07 $140,341.28 $2,198.21 35.4%
Growth Stock 259,126.10 255,922.14 -3>?_03.96 64.6
Total Market Value 5397,269.17 $396,263.42 -$1,005.75 100.0%
Page 1 of 4
January-March 2014 �
Mutual Fund Statement T.IZOw+�I�iCe
1NVE5T WITH CONFIDENCE
Investor Number 442027870
The Portfolio Overview section of your accounT statement now provides more detail for various types of retirement accounts, inc(uding
separate summaries for each type of retirement account to help you manage your accounts even better.
T. Rowe Price Equity Income
Account Number:5001472381-5 Tele*Access Code: 37 Ticker Symbol: PRFDX Covered Shares Cost Basis Method:
Average Cost
Michael W Gang Tr �
The Gang Revocable Living Trust �
UJA Dtd 04/02/1993 ��
�
�
Date Activity This Quarter Shares Share Price Net Amount
1/1 Beginning Balance 4,206.549 $32.84 $138,143.07 �
3/27 Dividend Reinv 0.20 +25.697 32.74 841.31 �
3/31 Ending Balance 4,232.246 $33.16 $140,341.28
Covered Shares: 493.135 �
Noncovered Shares: 3,739.111 �
Covered Shares-Average Cost Per Share: $28.78 Year-to-Date Information
Noncovered Shares-Average Cost Per Share: not on file Taxable Dividends $841.31
�
T.Rowe Price Growth Stock
Account Number:5001472380-2 Tele*Access Code:31 Ticker Symbol: PRGFX Covered Shares Cost Basis Method:
Average Cost
Michael W Gang Tr
The Gang Revocable Living Trust
U/A Dtd 04/02/1993
Date Activity This Quarter Shares Share Price Net Amount
1/1 Beginning Balance 4,929.163 $52.57 $259,126.10
3/31 Ending Balance 4,929.163 $51.92 $255,92214
Covered Shares: 11.222
Noncovered Shares: 4,917.941
Covered Shares-Average Cost Per Share: $39.46 �
a
�
Noncovered Shares-Average Cost Per Share: not on file N
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T.Ra�vwePlri�e�
AboutYourAccount and Statement INVEST WITH CONFIDENCE
Servicing Your Account
CONTACT T.ROWE PRICE To view and update your account,select the Log In button to our secure website at www.troweprice.com.Update your
Website personal information,including enrollment in e-delivery programs and other services,in"Profile&Preferences."To
www.troweprice.com activate yourT.Rowe Price mutual fund and brokerage accounts online,visitwww.troweprice.com/activate.For
additional assistance,call 1-800-225-5132.
Facebook p��y�ty Summary
www.facebook.com/TRowePrice This section summarizes the activity across all of your accounts for the statement period and year-to-date.
Twitter "Additions"and"Deductions"comprise any transactions to move money into or out ofyour account(s),including
www.twitter.com/TRowePrice purchases or redemptions,exchanges into or from a fund,transfers to or from other accounts,or checkwriting activity.
Any applicable redemption fees also are inciuded in the deduction amount.Proceeds from any income not reinvested
E-mail in the same account(cash dividends paid to you and dividends invested into another account)also are reflected as a
info n�troweprice.com deduction.
Telephone Numbers "Income"comprises any proceeds(cash or reinvested dividends and short-and long-term capital gains distributions)
Mutuol Funds eamed from your accounts.Income that is not reinvested in the same account(cash dividends paid to you and
1-800-225-5132 dividends invested into another account)also is reflected as a deduction.
Tete*Access° "Market Fluctuation"reflects any increase or decrease in fund share prices since your last statement.It does not
reflect a fund's payment of dividends and interest or any reinvestment of dividends and interest into your account.If
1-800-638-2587 all ofyour holdings are money market funds,generally there should be no change in accountvalue or principaf due to
FortheHearinglmpaired marketfluctuation.
1-800-367-0763 Income Summary:Taxable,Taz-Free,and Tax-Deferred
Mailing Address Summary amounts are estimates provided as a convenience for tax-planning purposes.To report taxable and tax-free
T.Rowe Price income on yourtax retum,atways wait to receive IRS Form 1099-DIV,fortaxable income(dividends and capital gain
P.O.Box 17302 distributions)and exempt-interest dividends,and Form 1099-B,for reporting the sale of securities and mutual fund
Baltimore,MD 21297-1302 shares,before completing your tax retum.These forms are mailed in late January with some exceptions.A fund's
taxable income occasionalfy is reclassified,so amounts shown on your statement summaries may not match those
VISITT.ROWE PRICE on the official tax document.
Investor Centers Cost Basis Information
For directions and hours,visit our Recent IRS tax reporting regulations separate securities into covered shares and noncovered shares.When redeeming
website or call 1-800-225-5132 shares that are subject to reporting on Form 1099-B,T.Rowe Price generally will dispose of all noncovered shares first
and then the covered shares,in each case in accordance with the cost basis method on your account to the extent
Colorado possibfe.For example,ifyour account method is Average Cost or Frst In First Out,T.Rowe Price will dispose of alf
2220 Briargate Parkway noncovered shares before disposing of covered shares;in each case,noncovered shares will be disposed in a first In
Colorado Springs,CO 80920 Frst Out order.If you choose to specify individual lots at the time of redemption,we will deplete the shares in
1-866-728-9925 accordance with yourspecification to the extent possible.The described depletion orderwill be used to reportthe tax
District of Columbia information for the sale of covered and noncovered shares on Form 1099-B.For more information on tax lots
1000 Connecticut Ave,N.W. disposed,cost basis method,covered and noncovered shares,or the regulation applicable to cost basis reporting,
Suite A-100 please visit www.troweprice.com/costbasis or contact a T.Rowe Price Associate oryourfinanciaf ortax advisor.
Washington,DC 20036 Average Cost Per Share
1-888-801-0316 We use the average cost method as the default cost basis method for covered mutual fund shares.We also provide
Ftorida average cost information for noncovered muYual fund shares if the information is available.The average costs for
4211 W.Boy Scout Boulevard �overed shares and noncovered shares are calculated separately because IRS regulations require that covered and
8th floor noncovered shares are treated as held in separate accounts.To calculate the a�erage cost of your T.Rowe Price
Tampa, FL 33607 mutuaf fund shares,we include reinvested dividends(except for the month just cfosed)and capital gains
distributions,purchases by exchange from another fund,and all other purchases and prior safes.We also adjust for
1-877-453-6447 any wash sales,retums of capital,and stock splits.
Maryland We may not show your average cost for the following reasons:
105 E.Lombard Street 1.We may lack cost basis if:the account was opened prior to 1/1/93;noncovered shares were inherited orgiven to
Baltimore,MD 21202 you;or shares were received via transfer from anotherT.Rowe Price account or another investment manager
1-888-453-7326 without the cost basis information.If you provide your cost basis for noncovered shares on our Cost Basis Change
Three Financial Center Form,we can report average cost pershare to you in the future and also cafcufate yourgains/losses on share
4515 Painters Mill Road redemptions foryourconvenience.
Owings Mills,MD 21117 Z.Average cost is provided only where applicable;it's not provided for money market ortax-deferred retirement
accounts.
1-877-374-5245
�rginia
About Your Mutual Fund Account
1600 Tysons Boulevard T.Rowe Price Fund accounts are maintained and serviced by T.Rowe Price Services,Inc.The net assetvalue orshare
Suite 150 price of each T.Rowe Price mutuaf fund is calculated by T.Rowe Price Associates,Inc.,the funds'investment adviser.
McLean,VA 22102 For more information,consult yourT.Rowe Price Fund prospectus.The time of the transactions listed on this
1-866-864-9847 statement will be fumished to you upon written request.The principal underwriterfor T.Rowe Price mutual funds is
T.Rowe Price Investment Services,Inc.
Request a prospectus or summary prospectus; each includes investment objectives, risks, fees,
expenses, and other information that you should read and consider carefully before investing.
�ew Your Tax Forms and Statements Online—Available Up to Seven Years
Did you know you may view your T. Rowe Price tax forms and account statements online in the
secure area of our Web site?The archive holds up to seven years ofyour tax forms and statements.
To access, log in to your account at www.troweprice.com/access and visit the"Statements
&Records"section.To manage your accounts quickly and easily,sign up for e-delivery at
www.trowep ri ce.co m/pa perless.
T.Rowe Price Investment Services,Inc.,Distributor.
osioz-i�.�� i/i4 Page 3 of 4
141791
T.RQwePlrice��
Additional Information (NVEST WITH CONFIDENCE
tONTAtTT.ROWE PRICE Fund your IRA for 2013 by April 15,2014
Website Forthe 2013 taxyear:
www.troweprice.com .Under age 50 investors can contribute up to$5,500 of eligible earned income.
Facebook
www.facebook.com/TRowePrice •Age 50 and older investors can contribute up to$6,500 of eligible earned income.
Twitter Ifyou've already fully funded your IRA fortaxyear 2013,consider getting a jump-start on makingyour 2014 IRA
www.twitter.com/TRowePrice contribution.Did you know?
E-mait
info@troweprice.com •Under age SO investors in 2014 can contribute up to$5,500 �
Tetephone Numbers •Investors age 50 and older can contribute up to$6,500 �
Mutuat Funds —
1-800-225-5132 Have questions?Contact us at 1-800-225-5132. �
�
Tete*Access�
1-800-638-2587 Try our Social Security Benefits Evaluator �
For the Hearing Impaired �
Choosing when to claim your Social Security benefit is one ofthe most important decisions you will make about
1-800-367-0763 0
your retirement.Do you want to claim your benefit as soon as possib(e or get the maximum benefit?If married, �
Mailing Address what is your plan forthe surviving spouse?Your choices will affect how much you receive from Social Security �
T.Rowe Price throughoutyour retirement.The T.Rowe Price Social Security Benefits Evaluator lets you compare some ofyour �
P.O.Box 17302 �
Baltimore,MD 21297-1302 options and gives you a step-by-step strategy fortaking your benefit.IYs easy to use—and completely Free.
Explore your options at www.troweprice.com/socialsecurity. �
VISITT.ROWEPRlCE �
Investor Centers Retirement savings options for small business owners �
Fordirections and hours,visitour
website or call 1-500-225-5132 Setting up a small business retirement plan with T.Rowe Price is easy.Our plans are easy to set up and maintain, �
Cotorado with no setup fees,loads,or sales commissions. �
2220 Briargate Parkway
Colorado Springs,CO 80920 To learn more:
1-866-728-9925 •BY PHONE:Just call 1-800-638-3804 to speakwith a knowledgeable small business retirement specialist
District of Columbia who can provide objective guidance and send you a kit with everythingyou need to get started.
1000ConnecticutAve, N.W.
Suite A-100 •ONLINE:Visit us atwww.troweprice.com/smallbusiness to leam more about small business retirement p(an
Washington, DC 20036 benefits and investment choices and to download forms you will need to establish your plan.
1-888-801-0316
Florida
4211 W.Boy Scout Boulevard
8th Ffoor
Tampa,FL 33607
1-877-453-6447
Maryland
105 E.Lombard Street
Baltimore,MD 21202
1-888-453-7326
Three Financial Center
4515 Painters Mill Road `�
�
Owings Mills,MD 21117 �
1-877-374-5245 `V
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Suite 150 0
Mclean,VA 22102 �
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Page 4 of 4
Putnam Investor Services
Putnam Post Office Box 8383
` � Boston,MA 02266-8383
I N V E S T M E N T S www.putnam.com
May 28, 2014
MICHAEL GANG
603 COUNTRY CLUB RD
CAMP HILL PA i�oil-i6i3
Account No.: 5806-542i3716
Reference No.: oo�ooi97
Registration: A J Gang&M T Gang TTEES
The Gang Revocable Living Trust
U/A DTD 4/2/93
Dear Mr. Gang:
Thank you for notifying us of the missing certificate issued from the above-referenced
closed-end fund account in the Putnam Premier Income Trust. For the trust's
protection, a Stop Transfer Restriction was placed against the lost security on May 2�,
2oi4.
We were previously notified of the death of Augustus Gang and we appreciate you
informing of the death of Marie Gang. We would like to offer our sympathy to you for
your loss.
This letter confirms that no beneficiary information is on file for this trust account.
Please note that the stock markets were closed on Saturday, March 29, 2oi4. Therefore;
the table below provides the value of the account as of the preceding business day,
Friday, March 28, 2oi4:
Futnam Fund Account Share Share Market
Name AccountNumber Balance Price Value
Premier Income Trust/ lo,6ii.o36 $5-52 $5g,572•92
5806-542ig�i6
The next step is to recover the missing certificate shares. As this requires a surety bond,
we have enclosed an�davit of Loss and Indemnity Agreement issued through
Travelers Casualty and Surety Company of America. The cost of this bond is equal to
1.5% of the market value on the day that the stop was placed on the certificate.
You do have the option of obtaining a bond through your own insurance broker. We will
accept a bond of the open penalty type from any standard surety company licensed to do
business in Massachusetts. The bond should indemnify both the fund and Putnam
Fiduciary Trust Company.
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306A 000000950 5 7 2 849 C 1-3-4073-1 Ei292-3
From: Needham, Nancy [mailto:Nancy.NeedhamCa�protective.com]
Sent: Thursday, May 22, 2014 9:33 AM
To: Gang, Michael
Subject: Gang
Mr. Gang,
This is in response to your recent inquiry for information regarding contract PX0358123 Marie Gang. The claimant
statement and beneficiary information is coming under a separate email. The date of death value, as of March 29, 2014
was$121,061.09.
If you have any additional questions, please contact us at 1-800-456-6330.
Sincerely,
"Please DO NOT email forms back to the sender as it will delay the processing of the request. Also, if you have additional
questions, please contact Customer Service at 800-456-6330."
Nancy Needham
1
�f`t3�£'C�1 V�'.
Life and Annuity Division
2801 Highway 280 South
Birmingham, AI. 35223
1-800-456-6330, extension 6102
205-265-6479 fax
_ _ . _ _ _ _ __ __
Confidentiality Notice: This e-mail communication and any attachments may contain confidential and
privileged information for the use of the designated recipients named above. If you are not the intended
recipient, you are hereby notified that you have received this communication in error and that any
review, disclosure, dissemination, distribution or copying of it or its contents is prohibited. If you have
received this communication in error, please notify me immediately by replying to this message and
deleting it from your computer. Thank you.
z
I NG ����
June 2, 2014
Estate of Marie T. Gang
c/o Michael Gang, Executor
� 603 Country Club Rd
Camp Hill, PA 17011
ING Life Insurance and Annuity Company
Decedent: Marie T. Gang
�urYiraci ivTUITt'DCf: 11�G'laG�JO��V[.Jri1
Claim Code: 03010
Dear Mr. Gang,
Thank you for your recent inquiry regarding the annuity contract listed above. Please find
the contract information below.
�
�
P Death Benefit Value $148,080.14 as of 03/29/14
J
� If you have questions regarding this information, please contact our Customer Contact
�
� Center, available Monday—Thursday, 8:30 a.m. to 6:30 p.m., Eastern Time, and Friday,
�
� 8:30 a.m. to 5:30 p.m., Eastern Time. Call 800-366-0066 and press 3 to identify yourself
� as a beneficiary. When prompted, enter the five digit Claim Code above and press #.
Your call will be addressed by a claims specialist.
Sincerely,
Customer Service
ING
Annuities ure issued and/or urin:inistered hy/NG Life Insurance and Annuity Company(One Orunge Wuy Windsor,CT)and
distributed by ING Financiu!Advisers,LLC(member SIPC)or other broker-dealers thut muintuin a selling ugreement.
IOOl.rlu
Allianz Life Insurance Company �
of North America All�anz �li
PO Box 59060
Minneapolis, MN 55459-0060
800.950.1962
April 7, 2014
THE GANG REVOCABLE LIVING TRUST 08/03/1994
C/0 603 COUNTRY CLUB ROAD
CAMP HILL PA 17011
Re: Annuity Contract Number(s) 3462586, 1771314, 715040 and 3462553.
Dear Trustee(s):
We sent you this letter because you are the named beneficiary of Marie Gang. Please accept our sincere
sympathy on your loss. Listed below is information needed to file a claim for benefits on the fixed annuity contract
number(s).
Payment Options
Choose one of the options on the ciaim form.
IMPORTANT NOTICE: In accordance with the Internal Revenue Code and contract provisions, if annuitization is
selected, the first annuity payment must be received within one year from the date of death for non-qualified funds
and by December 315t following the year of death for qualified funds. After these dates, this option is no longer
available.
Contract Information
Contract Number Annuitization Minimum Payout Cash Tax Status
Value Period Value
3462586 $26,546.31 5 years $18,315.42 Non-Tax-Qualified
1771314 $32,328.72 5 years $23,926.98 Non-Tax-Qualified
715040 $31,234.43 5 years $22,067.30 Non-Tax-Qualified
3462553 $26,546.31 5 years $18,315.42 Non-Tax-Qualified
Contract values are affected by withdrawa/s, partial surrenders, loans, and market value adjustments;as a resu/t,
values quoted in this letter may increase or decrease and are not guaranteed.
Claim Requirements
• Copy of the certified death certificate (only one copy is required for the deceased)
• Fixed Annuity Claim Form completed for the trust and signed by the appropriate trustee(s)
• Employer ldentification Number(EIN)for the Trust-please visit the IRS website at www.irs.qov or call
1-800-829-4933 for instructions and/or forms to obtain the EIN
• Copy of the First/Title and Signature pages of the Trust Agreement for the trustee/successor trustee
designation, and any other pages that may list trustee/successor trustee information
• Trust Affidavit signed by the appropriate trustee(s)
Trust as Beneficiary form is attached
Trust Affidavit form is attached
LCL-1005 r 8.31.2012
Once we receive your claim requirements, allow 15 business days for processing. For more information or
assistance: please contact me at 800.950.1962, Monday through Friday, 8 a.m. to 5 p.m. Central time or the
agent of record. Thank you, in advance, for your prompt response. We look forward to serving you.
Sincerely,
Vikki Carik(ext 46184)
Claims Case Manager
Dec 29 2814 89:39:86 Via Fax -> The Hartford Fax Page BB2 Of B82
December 26, 2014 ���
�������
Michael Ga�ig
603 Country CIuU Rd
Camp Hill PA 17011
,:
: :: .
. . _.......
EFERENCE: Accaunt# 14628 � - - - ~
Decedent: Marie Gang
Dear Mr. Gang
As you requested,the date of death value as of 03/29/2014 wa��3��19,0(� ;.
Please be advised this figure is for the date of date value purpose oiil�r, it do..��_.1i�t;,;; ;�
represei�t the death benefit amount. Markat uid surrender values chang� dail�r ' '
If you have any other questions or coiicerns, please feel free to contact y�aur;i:�i�y��ti�erit;:;: ::=.;:;
professional; or an Annuity Service Specialist by calling 1-800-862,�668;...�c�ii;ela� . .;::;
through Thursday from 8 a.m.to 7 p.m.; ancl Friday 9:15 a.m.to 6 p.m. E�S��ix�,tu�I�, �e -
will be happy to assist you.
-
Sincerely, :� ; : '
���-y ���.ts�v�- -
'The Hartford -
;. 3"hr.M�tlprd WNaIiN M:�nagemant
- :. 41q��I Annli{FtoS
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