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Home My WebLink About07-30-15 (2) 1505614134 EX(03-14)(FI) REV-15 oo OFFICIAL USE ONLY Bureau of Individual Taxes INHERITANCE TAX RETURN County Code Year File Number PO BOX 280601 2 1 1 5 0 2 3 9 Harrisburg,PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY 0 2 2 4 2 0 1 5 0 6 0 7 1 9 1 4 Decedent's Last Name Suffix Decedent's First Name MI B R E T Z E L I R E N E S (if Applicable)Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name Ml THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW 1.Original Return ❑ 2.Supplemental Return ❑ 3.Remainder Return(date of death Prior to 12-13-82) ❑ 4.Agriculture Exemption 0 5.Future interest Compromise(date of ❑ 6. Federal Estate Tax Return Required (date of death on or after 7-1-2012) death after 12-12-82) 7. Decedent Died Testate Q 8.Decedent Maintained a Living Trust _0 9.Total Number of Safe Deposit Boxes (Attach copy of will.) (Attach copy of trust) ❑ 10.Litigation Proceeds Received ❑ 11.Non-Probate Transferee Return ❑ 12.Deferral/Election of Spousal Trusts (Schedule F and G Assets only) ❑ 13.Business Assets ❑ 14.Spouse is Sole Beneficiary (No trust involved) CORRESPONDENT-THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: Name Daytime Telephone Number G E R A L D J S H E K L E T S K I E S Q 7 1 7 7 7 4 7 4 3 5 First Line of Address 4 1 4 B R I D 6 E S T Second Line of Address P - 0 - B 0 X E City or Post Office State ZIP Code N E W C U M B E RL A N D P A 17 0 7 0 4" Correspondent's e-mail address: GSHEKLETSKI@STONELAW- NET , .M; C-) rn, n REGIST FONILLS Usrmy C=) REGISTER OF WILLS USE ONLY DATE FILED MMODYYYY rn ri C::) C�, FT�T_ -n C> 11 t7 I DAT61Lg@j:STAMP C=T— U�o PLEASE USE ORIGINAL FORM ONLY Side I 1111111 IIIA VIII VIII VIII VIII VIII VIII VIII VIII IIII IHl � 1505614134 1505614134 1505614234 REV-1500 EX(FI) Decedents Social Security Number Decedent's Name: I R E N E S• B R E T Z E L RECAPITULATION 1. Real Estate(Schedule A) ....... .. ... ........ .. ... . . . . .. ... .. I 2. Stocks and Bonds(Schedule B) ... .. . . ........ ....__ . .... . ...... 2. 3 1 8 6 . 1 8 3. Closely Held Corporation,Partnership or Sole-Proprietorship(Schedule C) . . . . . 3. 4. Mortgages and Notes Receivable(Schedule D) . .. .. . . . . . . . . . .. . . . . . . . . . . 4. & Cash,Bank Deposits and Miscellaneous Personal Property(Schedule E). .. . . . . 5. 2 8 0 4 6 2 • 8 1 6. Jointly Owned Property(Schedule F) ❑ Separate Billing Requested ... & 7. Inter-Vivos Transfers&Miscellaneous N Probate Property (Schedule G) Separate Billing Requested . . . . . .. 7. 2 4 7 5 1 0 9 . 2 2 8. Total Gross Assets(total Lines 1 through 7) . .. . . . . . . . . . . . . . . . . . . . . .. . . 8. 2 7 5 8 7 5 8 . 2 1 9. Funeral Expenses and Administrative Costs(Schedule H) . . . .. . . .. . . . .. .. . . 9. 4 6 3 7 8 . 3 8 10. Debts of Decedent,Mortgage Liabilities,and Liens(Schedule 1) .... . . . ... ... 10. 11, Total Deductions(total Lines 9 and 10) . .. .... .. ....... .. . ... . .. .... .. 11. 4 6 3 7 8 . 3 8 12. Not Value of Estate(Line 8 minus Line 11) . . . . . . . . . . . . . . . . .. . . . . . . . . . 12. 2 7 1 2 3 7 9 8 3 13. Charitable and Governmental Bequests/See 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. 2 7 1 2 3 7 9 . 8 3 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 0 . a a 15. 11 . 0 a 16. Amount of Line 14 taxable at lineal rate X.015_ 2 7 1 2 3 7 9 . 8 3 16, 1 2 2 0 5 7 . 0 9 17. Amount of Line 14 taxable at sibling rate X.12 0 . 0 0 17. 0 . 0 0 18. Amount of Line 14 taxable at collateral rate X.15 0 . 11 0 18. 0 . 0 0 19. TAX DUE . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . .. . . . ... . . . . . . . .. . . . . 19. 1 2 2 0 5 7 . 0 9 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT 0 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 true,correct and complete.Declaration of preparer other than the person responsible for filing the return is based on all information of which preparer has any knowledge. SIGNATURE OF P RE Z'M�R� ADDRESS GERALD J . SHEKLETSKI 414 BRIDGE ST. NEW CUMBERLAND PA 17070 P SIGNATURE ARER HER T ERSCtto��POIB FOR FILING THE RETURN _71�4'AT 0 ADDRESS ,GERALD J . SHEKLETSKI ESQ 414 BRIDGE ST - , NEW CUMBERLAND PA 17070 111111111111111111111111111111111111111111111111111111111111 Side 2 L. 1505614234 1505614234 REV-1500 EX (FI) Page 3 File Number Decedent's Complete Address: 21 15 0239 DECEDENT'S NAME IRENE S - BRETZEL STREET ADDRESS 5225 WILSON LANE, APARTMENT 315 CITY STATE ZIP MECHANICSBURG IPA 711�7055 Tax Payments and Credits: 1. Tax Due(Page 2,Line 19} 122,057-09 2. Credits/Payments A.Prior Payments 1161000 -00 B.Discount 6,102-85 (See instructions.) Total Credits(A+B) (2) 1221102-85 3. Interest (3) 4. If Line 2 is greater than Line I +Line 3,enter the difference.This is the OVERPAYMENT. Fill in oval on Page 2,Line 20 to request a refund. (4) 45.?6 5. If Line I +Line 3 is greater than Line 2,enter the difference.This is the TAX DUE. (5) 0.00 Make check payable to: REGISTER OF WILLS, AGENT. PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: Yes No a. retain the use or income of the property transferred ...................................................................... 1:1 b. retain the right to designate who shall use the property transferred or its income ... ........................... 13 c. retain a reversionary interest ...................................................................... ....................... ... F1 d. receive the promise for life of either payments,benefits or care? ....................................................... 171 0 2. If death occurred after Dec.12,1982,did decedent transfer property within one year of death without receiving adequate consideration? ......................................... ............................................. 171 3. Did decedent own an"in trust for'or payable-upon-death bank account or security at his or her death? ......... 191 ❑ 4. Did decedent own an individual retirement account,annuity or other non-probate property,which contains a beneficiary designation?.................................................................................................. 0 El 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 return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1,2000: * The tax rate imposed on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use of a natural parent,an adoptive parent or a step-parent 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 decedents lineal beneficiaries is 4.5 percent,except as noted in[72 P.S.§9116(a)(1 * The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is 12 percent(72 P.S.§9116(a)(1.3)].A sibling is defined, under Section 9102,as an individual who has at least one parent in common with the decedent,whether by blood or adoption. REV-1503 EX+(8-12) Pennsylvania SCHEDULE B DEPARTMENT OF REVENUE INHERITANCE TAX RETURN STOCKS & BONDS RESIDENT DECEDENT I ESTATE OF FILE NUMBER IRENE S • BRETZEL 21 15 0239 All property jointly owned with right of survivorship must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 62 SHARES METLIFE, INC . COMMON STOCK 3,186.18 *511390 PER SHARE X 62 SHARES = 3,186.18 TOTAL(Also enter on Line 2,Recapitulation) $ 31l86-18 If more space is needed,insert additional sheets of the same size REV-1508 EX+(08-12) pennsylvania SCHEDULE E DEPARTMENT OF REVENUE CASH, BANK DEPOSITS & MISC. INHERITANCE TAX RETURN RESIDENT DECEDENT PERSONAL PROPERTY ESTATE OF: FILE NUMBER: IRENE S • BRETZEL 21 15 0239 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly owned with right of survivorship must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 SANTANDER CHECKING ACCOUNT #0931082773 171499. 33 MARYANN B. MOOREFIELD DIED JUNE 241 20121 WHEREBY TITLE"-VESTED-IN--THE--DECEDENT-BY OPERATION- OF LAWF 2 . CLIENT 1ST FINANCIAL ACCOUNT NUMBER JH1-741990 262,458 .04 3 • CLIENT MEDIA/PATRIOT NEWS REFUND 121 . 24 4 • 2015 IRS PERSONAL INCOME TAX REFUND 384 .20 TOTAL(Also enter on Line 5,Recapitulation) $ 280,462 - 81 If more space is needed, use additional sheets of paper of the same size. REV-1510 EX+(08-09) pennsylvania SCHEDULE G DEPARTMENT OF REVENUE INTER-VIVOS TRANSFERS AND INHERITANCE TAX RETURN MISC. NON-PROBATE PROPERTY RESIDENT DECEDENT ESTATE OF FILE NUMBER IRENE S - BRETZEL 21 15 0239 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. DESCRIPTION OF PROPERTY DATE OF DEATH %OF DECUS EXCLUSION TAXABLE ITEM INCLUDE THE NAME OF THE TRANSFEREE,THEIR RELATIONSHIP TO DECEDENTAND NUMBER THE DATE OF TRANSFER,ATTACH A COPY OF THE DEED FOR REAL ESTATE. VALUE OF ASSET INTEREST (IFAMICneLE) VALUE 1. PRINCIPAL LIFE INSURANCE COMPANY 340,428. 53 100.00 40,428.53 ANNUITY- CON-TR-A-C-T-- NO 87024-74---- TRANSFEREE 702474---TRANSFEREE - KENNETH A - BRETZEL, SON 2- EDWARD JONES INVESTMENT ACCOUNT 630,628 .70 100.00 301628 .70 NUMBER 851-13043 TRANSFEREE - KENNETH A . BRETZEL, SON 3- CLIENT 1ST FINANCIAL ACCOUNT NUMBER 569,932. 84 100.00 69,932.84 JH1-744212 ALBERT W• BRETZEL CREDIT SHELTER TRUST - TRANSFEREES- KENNETH A. BRETZEL, SON (1/2) 1 MELISSA A- SAULSBURY, GRANDCHILD (1/4) 1 MIRANDA REYNOLDS, GRANDCHILD (1/4) ALBERT W- BRETZEL DIED JULY 26, 2006 • CUMBERLAND COUNTY, PENNSYLVANIA REGISTER OF WILLS FILE NO. 21-06-1075 4 . MORGAN STANLEY ACCOUNT NUMBER 757,932 . 45 100.00 571932 . 45 476-085430. IRENE S. BRETZEL, TRUSTEE UNDER IRENE S . BRETZEL REVOCABLE LIVING TRUST - TRANSFEREES - KENNETH A . BRETZEL, SON (1/2) , MELISSA A - SAULSBURY, GRANDCHILD (1/4) , MIRANDA REYNOLDS, GRANDCHILD (1/4) 5. ALLIANZ ANNUITY 5552705 TRANSFEREES- 176,186 . 70 100.00 76,186 .70 KENNETH A. BRETZEL, SON (1/2) ELAINE BRETZEL, DAUGHTER-IN-LAW (1/2) SEE SCHEDULE K PROVIDED HEREWITH NOTE= MARYANN MOOREFIELD, DAUGHTER OF THE DECEDENT, IRENE S . BRETZEL, DIED JUNE 24, 2012- MELISSA A. SAULSBURY AND MIRANDA REYNOLDS ARE SURVIVING CHILDREN OF MARYANN MOOREFIELD AND GRANDCHILDREN OF THE DECEDENT, IRENE S- BRETZEL- TOTAL Also enter on tine 7,Recapitulation $ 2,475,109-22- If ,475,109-22-If more space is needed,use additional sheets of paper of the same size. REV-1511 EX+ (08-13) pennsylvania SCHEDULE H DEPARTMENT OF REVENUE FUNERAL EXPENSES AND INHERITANCE TAX RETURN RESIDENT DECEDENT ADMINISTRATIVE COSTS ESTATE OF FILE NUMBER IRENE S . BRETZEL 21 15 0234 Decedents debts must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL EXPENSES: -.M,ALP-E.Z-Z.T-F-UNERA-L-H-0-M-E- B, ADMINISTRATIVE COSTS: 1 Personal Representative Commissions: Name(s)of Personal Representative(s) Street Address City state ZIP Yeaqs)Commission Paid: 2. AftomeyFees: STONE LAFAVER & SHEKLETSKI 25,000.00 3, Family Exemption:(If decedents address is not the same as claimants,attach explanation.) Claimant Street Address CRY State ZIP Relationship of Claimant to Decedent 4. Probate Fees: LETTERS TESTAMENTARY 370.50 5. Accountant Fees: 6. Tax Return Preparer Fees: ' H & R B L 0 C K 308-00 2015 FEDERAL AND STATE INCOME TAX RETURNS 7. LEGAL ADVERTISING — THE SENTINEL 158 .68 8 . LEGAL ADVERTISING CUMBERLAND LAW JOURNAL 75.00 9. HOSS 'S RESTAURANT — FUNERAL LUNCHEON 213.49 in. SANTANDER BANK — DATE OF DEATH BALANCE INFORMATION 20.00 11. ALERT PHARMACY 86.94 12. MESSIAH LIFEWAYS AT MESSIAH VILLAGE 51844 .75 13. PA DEPARTMENT OF REVENUE 2015 PERSONAL INCOME TAX 64 .00 14. GINGRICH MEMORIALS 50.00 15- BETHANY VILLAGE 665.00 16- GATE OF HEAVEN CEMETERY GRAVE OPENING 11090.00 17. CERTIFIED MAIL 7.12 18. METRO BANK — SERVICE CHARGE 15.00 TOTAL(Also enter on Line 9,Recapitulation $ 46,378 -38 If more space is needed,use additional sheets of paper of the same size. Continuation of REV-1500 Inheritance Tax Return Resident Decedent IRENE S. BRETZEL 21 15 0239 Decedents Name Page 1 File Number Schedule H -Funeral Expenses&Administrative Costs -B7. ITEM NUMBER DESCRIPTION AMOUNT 19 - ADDITIONAL PROBATE FEE 50.00 20- _ RESERVE FOR CLOSING .,EXPENSES_- ----__----.,,---.._----------.___ ___._._. ..-_— 500 .00 SUBTOTAL SCHEDULE H-Bl 550-00 REV-1513 EX+(01-10) pennsylvania SCHEDULE DEPARTMENT OF REVENUE BENEFICIARIES INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF: FILE NUMBER: IRENE S - BRETZEL 21 15 0239 RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S)RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE TAXABLE DISTRIBUTIONS [Include o ' ht spousal distributions and transfers under Sec.9116(a)(1.2).) Sdiedule G, Item 1 KENNETH A- BRETZEL Lineal 30/2), 4(1/2) & 5W2) 1620 FOX HOLLOW- ROAD- MECHANICSBURG, PA 17055 Sdvdile G, Item 3(1/4) 2- MELISSA A . SAULSBURY Lineal & 4(1/4) & 1/4 cf 440. CONWAY POINT DR. Pasidue ATLANTA, GA 30327 3. MIRANDA REYNOLDS Lineal Sdidile G, Item 3(1/4) 9800 LAKE MEADOW PLACE & 4(1/4) & 1/4 Of HENRICOi VA 23238 Sdvdule IS, ItErn 4 . ELAINE BRETZEL Lineal 5(1/2) 1620 FOX HOLLOW ROAD MECHANICSBURG, PA 17055 I ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18 OF REV-1500 COVER SHEET,AS APPROPRIATE. 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 SHEET. $ If more space is needed,use additional sheets of paper of the same size. REV-1514 EX+(1.15) SCHEDULE K pennsylvania DEPARTMENT OF REVENUE LIFE ESTATE,ANNUITY BUREAU OF INDIVIDUAL TAXES &TERM CERTAIN PO BOX 280601 HARRISBURG PA 17128-601 ESTATE OF FILE NUMBER IRENE S. BRETZEL 21 15 0239 This schedule should be used for all single-life,joint or successive life estate and term-certain calculations.For dates of death prior to 5-1-89, actuarial factors for single-life calculations can be obtained from the Department of Revenue. Actuarial factors can be found in IRS Publication 1457,Actuarial Values,Alpha Volume for dates of death from 5-1-89 to 4-30-99, and in Aleph Volume for dates of death from 5-1-99 and thereafter. Indicate below the type of instrument that created the future interest and attach a copy of it to the tax return. ❑ Will ❑ Intervivos Deed of Trust ❑ Other LIFE ESTATE INTEREST CALCULATION NAME OF LIFE TENANT DATE OF BIRTH NEAREST AGE AT TERM OF YEARS DATE OF DEATH LIFE ESTATE IS PAYABLE` ' ❑Life or ❑Term of Years ❑Life or ❑Term of Years ❑Life or ❑Term of Years ❑Life or ❑Term of Years ❑Life or El Term of Years 1. Value of fund from which life estate is payable .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$ 2. Actuarial factor per appropriate table . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Interest table rate— ❑3.5% ❑6% ❑10% ❑Variable Rate 3. Value of life estate(Line I multiplied by Line 2) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$ ANNUITY INTEREST CALCULATION NAME OF LIFE ANNUITANT DATE OF BIRTH NEAREST AGE AT TERM OF YEARS DATE OF DEATH ANNUITY IS PAYABLE IRENE BRETZEL 6/7/1914 100 ❑Life or ®Term of Years 19 ❑Life or ❑Tema of Years ❑Life or ❑Term of Years ❑Life or ❑Term of Years 1. Value of fund from which annuity is payable . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$ 2. Check appropriate block below and enter corresponding number . . . . . . . . . . . . . . . . . . . . . . . . . . . Frequency of payout— ❑ Weekly(52) ❑ Bi-weekly(26) ❑ Monthly(12) ® Quarterly(4) ❑ Semi-annually(2) ❑ Annually(1) ❑ Other( ) 3. Amount of payout per period. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$ 2-1745-01 4, Aggregate annual payment,Line 2 multiplied by Line 3 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . 10,980-04 5. Annuity Factor(see instructions) ��II Interest table rate— ❑3.5% ❑6% ❑10% Et Variable Rate 2 •_0 % 15-6785 6. Adjustment Factor(See instructions). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 .0075 7. Value of annuity—If using 3.5%,6%,10%,or if variable rate and period payout is at end of period,calculation is:Line 4 x Line 5 x Line 6 . . . . . . . . . . . . . . . . . . . . . . . . . . .$ If using variable rate and period payout is at beginning of period,calculation is (Line 4 x Line 5 x Line 6)+Line 3. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$ 17 6,18 6 .7 0 NOTE:The values of the funds that create the above future interests must be reported as part of the estate assets on Schedules A through G of the tax return.The resulting life or annuity interest should be reported at the appropriate tax rate on Lines 13 and 15 through 18 of the return. If more space is needed,use additional sheets of the same size. COMMONWEALTH OF PENNSYLVANIA REV-1162 EX(l 1-96) DEPARTMENT OF REVENUE BUREAU OF INDIVIDUAL TAXES DEPT.280601 HARRISBURG,PA 17128-0601 PENNSYLVANIA RECEIVED FROM: INHERITANCE AND ESTATE TAX OFFICIAL RECEIPT NO. CD 020690 SHEKLETSKI GERALD J STONE LAFAVER & SHEKLETSKI 414 BRIDGE ST PO BOX E -NEW C-UMBERLAND-i-PA--l-7070- ACN ASSESSMENT AMOUNT CONTROL NUMBER -------- fold ---------- -------- 101 $116,000.00 ESTATE INFORMATION: SSN: FILE NUMBER: 2115-0239 DECEDENT NAME: BRETZEL IRENE S DATE OF PAYMENT: 05/20/2015 POSTMARK DATE: 05/18/2015 COUNTY: CUMBERLAND DATE OF DEATH: 02/24/2015 TOTAL AMOUNT PAID: $116,000.00 REMARKS: CHECK# 108 INITIALS: DMB SEAL RECEIVED BY: LISA M. GRAYSON, ESQ. REGISTER OF WILLS TAXPAYER STONE, LAFAVER & SHEKLETSKII ATTORNEYS AT LAW 414 BRIDGE STREET NEW CUMBERLAND PA 17070 tin 3 cD =0 U-3 ka (7) LAST WILL AND TESTAMENT I ) -;j rn OF Co C) IRENE S-.- BRETZEL CIO I, IRENE S. BRETZEL, of Lower Allen Township, Cumberland County, Pennsylvania, declare this to be my last will and revoke any will previously made by me. I'm I : I devise and bequeath all of my estate of ' every nature and wherever situate, as follows : A. One-half (1-i) thereof to my son, KENNETH A. BRETZEL, if he survives me. B. One-half (1-2) thereof to my granddaughters, MELISSA A. SAULSBURY and MIRANDA REYNOLDS . Should my son or a granddaughter predecease me, I devise and bequeath the share of such deceased son or granddaughter to his or her issue, per stirpes, provided however, that step-children shall not be considered issue for purposes of this my Last Will and Testament . ITEM II : I appoint my Executor and his successors guardian of any property which passes, either under this will or otherwise, to a minor and with respect to which I am authorized to appoint a �' guardian and have not otherwise specifically done so, provided that this appointment of a guardian shall not supersede the right of any fiduciary in its discretion to distribute a share where Page 1 of 4 possible to the minor or to another for the minor' s benefit. Such guardian shall have the power to use principal as well as income from time to time for the minor ' s support and education (including college education, both graduate and undergraduate) without regard to his or her parent ' s ability to provide for such support and education, or to make payment for these purposes, without further responsibility, to the minor or to the minor' s parent or to any person taking care of the minor. ITEM III : I appoint GERALD J. SHEKLETSKI, Executor of this my last will . Should GERALD J. SHEKLETSKI, fail to qualify or cease to act as Executor, I appoint my son, KENNETH A. BRETZEL, and my son-in-law, MICHAEL MOOREFIELD, Co-Executors of this my last will . ITEM IV: No fiduciary acting hereunder shall be required to post bond or enter security for the faithful performance of his or her duties in any jurisdiction. IN WITNESS WHEREOF, I, IRENE S . BRETZEL, have hereunto set my hand and seal this -)44' day of n 2012 . IRENE S. BRETZEL Page 2 of 4 SIGNED, SEALED, PUBLISHED and DECLARED by IRENE S . BRETZEL, the Testatrix above named, as and for her Last Will and Testament, and in the presence of us, who at her request, in her presence and in the presence of each other, have subscribed our names as wit- nesses . Wit s Address ��y/lod �7��/�/•. ryr, Yi7 Wili5ess I Address 17019 COMMONWEALTH OF PENNSYLVANIA: SS : COUNTY OF CUMBERLAND I, IRENE S . BRETZEL, the Testatrix whose name is signed to the attached or foregoing instrument, having been duly qualified according to law do hereby acknowledge that I signed and executed this instrument as my last will; that I signed it willingly and that I signed it as my free and voluntary act for the purposes therein contained. IRENE S . BRETZEL Sworn to or affirmed to and acknowledged before me by IRENE S. BRETZEL, the Testatrix, this -36& day of tT , 2012 . COMMONWEALTH OF PENNSYLVANIA ' NOTARIAL SEAL GERALD J. SHEKLETSKI, Notary Public Notary Public New Cumberland Boro.,Cumberland Co. My Commisslon Expires Nov. 9, 2014 age 3 of 4 .� T 77- COMMONWEALTH OF PENNSYLVANIA . SS : COUNTY OF CUMBERLAND We, �./ 'S S/jC� �, l'U// andt� �7r1 �ciG�lL`� � , the witnesses whose names are signed to the attached or foregoing instrument, being duly qualified according to law, depose and say that we were present and saw Testatrix sign and execute the instrument as her last will; that Testatrix signed willingly, and that she executed it as her free and voluntary act for the purposes therein expressed; that each of us in the hearing and sight of the Testatrix signed the will as witnesses; that to the best of our knowledge, the Testatrix was at that time eighteen or more years of age, of sound mind and under no constraint or undue influence. 12 �. tness fitness Sworn to or affirmed to and acknowledged before me by and �tlo-e A , witnesses, this day of 2012 . COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL GERALD J. SHEKLETSKI, Notary Public Notary Public New Cumberland Boro.,Cumberland Co. My Commission Expires Nov. 9, 2014 Page 4 of 4 II �t"` nw:eczrot.l.7Ce\1-v4 IRENE S. BRETZEL REVOCABLE LIVING TRUST AGREEMENT THIS AGREEMENT OF TRUST, is executed in duplicate this 30th day of January, 1996, by and between IRENE S. BRETZEL, of the Borough of Mechanicsburg, County of Cumberland and Commonwealth of Pennsylvania, (hereinafter called the "Settlor") and IRENE S. BRETZEL and ALBERT W. BRETZEL, of the Borough of Mechanicsburg, C6unty of Cumberland and Commonwealth of Pennsylvania, (hereinafter called the "Trustees" ) and is to be called the Irene S. Bretzel Revocable Liv.i_ng Trust Agreement. W I T N E S S E T H: WHEREAS, Settlor has transferred to the Trustees all the property described in Schedule A annexed hereto. NOW, THEREFORE, Settlor hereby establishes with Trustees a trust consisting of the property described in the aforesaid Schedule A, together with all other property, real or personal, that may be added to the trust (such property, additions and proceeds being hereinafter called principal) to be held by the Trustees, IN TRUST, for the following uses and purposes: FIRST: During the lifetime of the Settlor: A. The Trustees shall pay the net income to the Settlor in such periodic installments as the Trustees shall find convenient, but at least as often as quarter-annually. -1- B . The Trustees may apply the net income of this trust for the support of the Settlor should she by reason of age, illness or any other cause, in the opinion of the Trustees, be incapable of disburs- ing—i-t-and--t he--Trust-e es--are- further-authorized--to -expend-or -apply from the principal of this trust such sums as they, in their sole discre- tion, may from time to time deem advisable for the support of Settlor to maintain her in the station of life to which she is accustomed at the creation of this trust or during illness or emergency. C. The Trustees shall pay so much of the principal of the trust up to the entire amount of principal to the Settlor as the Settlor shall request in writing. D. If the Settlor is, it the opinion of the Trustees, disabled by reason of age, illness or any other cause, the Trustees may, but are not required to, apply for Settlor' s husband' s benefit as much of the net income and principal of this trust as the Trustees may deem advisable for Settlor' s husband' s support to maintain him in the standard of living to which he is accustomed at the creation of this trust, after taking into account his other readily available assets and sources of income . SECOND: If Settlor' s husband, ALBERT W. BRETZEL, survives her, Trustee shall hold in separate trust without deduction for estate or inheritance taxes the minimum amount which must be added to the value of all other property in Settlor' s gross taxable estate for which the marital deduction is allowed in order to give Settlor' s estate a marital deduction that will reduce federal estate tax on Settlor' s -2- estate to the lowest possible amount . Such minimum amount shall be determined after first taking into account all other deductions and credits except : ______ A. the state death tax credit" to- the extent that its use would require an increase in the amount of state death taxes paid; and B. The credit for tax on prior transfers to the extent that credit arises from transfers to Settlor from individuals who die after Settlor. The size of this trust shall be determined as though Settlor' s executor elected to qualify it for the marital deduction in accordance with Section 2056 (b) (7) of the Internal revenue Code or its successors, regardless of whether Settlor' s executor, in fact, so elects. Settlor recognizes that, depending on the amount of other bequests, the amount of Settlor' s non-testamentary dispositions, the amount of state death taxes, and other factors, the marital trust ( "trust All ) may be non-existent, or may amount to the entire balance of Settlor' s testamentary estate so that the residuary trust is non- existent . No property not qualified for the marital deduction shall be allocated to this marital trust A. Trustee shall select and distribute to the marital trust the cash, securities, and other property that shall constitute the marital trust, employing for the purpose of valuation the adjusted basis of the asset for federal estate tax purposes, provided that the assets distributed shall be selected in such manner that they shall have an aggregate fair market value fairly representative of the appreciation -3- or depreciation in the value to the date or dates of distribution of all assets then available for distribution. THIRD: If Settlor's husband, ALBERT W. BRETZEL, survives her, --the--T-r--ustee-- s-hall--ho-ld-the-residue he-l-(:I---UiIT6r---this-'t'tti-6t- agreement of - every nature and wherever situate, IN FURTHER SEPARATE TRUST, for the following uses and purposes : A. To pay- the net income therefrom to Settlor' s husband, ALBERT W. BRETZEL, for and during his lifetime in such periodic installments as Trustee shall find convenient, but at least as often as quarter-annually. B. As much of the principal of this Trust as Trustee may from time to time think advisable for the support of Settlor' s husband to maintain him in the station of life to which he is accustomed at Settlor' s death, shall be either paid to her or else applied directly for his benefit by Trustee after taking into account his other readily available assets and sources of income. C. Trustee may apply the net income of this Trust for the support of Settlor' s husband, ALBERT W. BRETZEL, should he by reason of age, illness or any other cause, in the opinion of Trustee, be incapable of disbursing it . D. In addition to the above provisions, Settlor' s husband shall have the power to direct Trustee to pay to his or to apply out of principal in each year, including the year of Settlor' s death, an amount not in excess of the greater of Five Thousand ($5, 000 . 00) Dollars or five (50-o) percent of the then aggregate value of the Trust -4- principal . This power is non-cumulative and can be exercised only by an instrument in writing signed by Settlor' s husband, and delivered to Trustee. E-.- Upon the- death. of Settlor I s- husband, ALBERT-W—. BRETZEL or upon Settlor' s death should her husband predecease her, the Trustee shall distribute the balance of the principal and any accumulated and undistributed income of the Trust in equal shares to such of Settlor' s children, MARYANN MOOREFIELD and KENNETH A. BRETZEL, as survive Settlor. Should any of the above named children of Settlor fail to survive her, the share of such child shall be distributed to such child' s issue, per stirpes . If such child should leave no issue surviving at the time of distribution, then the share of such child shall be distributed to the issue of Settlor, per stirpes . Any share allotted to a child of Maryann Moorefield or Kenneth A. Bretzel, or to a beneficiary not then twenty-five- (25) years of age, shall be held IN FURTHER TRUST for the following uses and purposes : (a) to expend and apply so much of the net income and the principal as the Trustee, in the Trustee' s sole discretion, deems advisable during illness or emergency or for college education shall be either paid directly to the beneficiary or else be applied directly for the beneficiary' s benefit by the Trustee after taking into account the beneficiary' s other readily available assets and sources of income, and (b) when the beneficiary reaches the age of twenty-five (25) , the beneficiary may, upon written demand to the Trustee, withdraw the entire remaining balance of the trust principal and accumulated or -5- undistributed income . Notwithstanding anything to the contrary set forth herein, illegitimate issue, stepchildren, adopted children, step-grandchildren, adopted grandchildren and their issue shall not be .-- .in.cluded-as- issue- of -the--Sett-l-or-,or--the Settlor' s children for purposes of this trust agreement . F. Should any person entitled to distribution from the Trust be, in the opinion of the Trustee, incapable of disbursing it because of age, illness or other cause, and should it be impossible or inadvisable, in the opinion of the Trustee, for such share to be awarded to such person or distributed to another for such person' s benefit, the share of such person shall be held, IN FURTHER TRUST, and Trustee shall accumulate the income and shall apply from time to time such portions of income, accumulated income, and principal as it deems proper for that person' s support and education, including education in college) taking into consideration his or her parent' s ability to provide for such support and education, or to make payment for these purposes without further responsibility to the beneficiary or to the beneficiary' s parent, or to any person taking care of the beneficiary. Any principal or income not so applied shall be distributed to the beneficiary when he or she become of age or competent, or to the personal representative of the beneficiary' s estate in case of death during minority or before becoming competent . FOUR The interest of the beneficiaries hereunder shall not be subject to anticipation or to voluntary or involuntary alienation. -5- FIFTH: The Trustees shall have the power, but not the duty, to make such expenditures out of the principal of this Trust, as the Trustees, in their discretion, may consider desirable in order to facilitate-the settlement of the Settlor-'s- estate. In exercising such power, the Trustees may pay, in whole or in part, any or all of the following items : the expenses of Settlor' s last illness and burial, including cost of any gravemarker; her debts; her income taxes; the death taxes on any or all property in her gross estate for tax purposes; and all other items in connection with the settlement of her estate . Any such items may be paid directly by the Trustees or the funds for their payment may be transferred by the Trustees to Settlor' s executors or administrators; and neither such executor nor administrator, nor any beneficiary of Settlor' s estate shall be required to reimburse the surviving Trustees for any funds so paid or transferred. All such death taxes on present or future interests shall be paid at such time or times as the surviving Trustees may think proper, regardless of whether such taxes are then due, provided that any postponed taxes on future interests shall be charged against the principal of the particular share with respect to which the taxes are imposed. SIXTH: The Trustees shall have the following powers in addition to those vested in them by law and by other provisions set forth herein, applicable to all property, whether principal or income, including property held for minors, exercisable without court approv- al, and effective until actual distribution of all property. -7- A. To invest in all forms of property, including stock, common trust funds and mortgage investment funds backed by the United States Government, whether operated by Trustee or by others, without restriction to investments- authorized' fox--Penrf8ylvaflia--f-Educi-dries,- as they deem proper, without regard to any principle of diversification. B. To sell at public or private sale, to exchange or to lease for any period of time, any real or personal property, and to give options for sales, exchanges or leases, for such price and upon such terms and conditions as it deems proper. C. To allocate receipts and expenses to principal on income or partly to each as the Trustee from time to time thinks proper in its sole discretion. D. To compromise any claim or controversy. E. To distribute in cash or kind or partly each. F. To hold property in its name without designation of any fiduciary capacity or in the name of a nominee or unregistered. G. If there is no corporate trustee, to employ one or more agents including but not limited to accountants, investment counsel, brokers, bank or trust company, to perform services for and at the expense of my estate and to carry or register investments in the name of the nominee of such agent . The expenses and charges for such services shall be charged against principal or income or partly against each as my trustee may determine . My trustee is expressly relieved of any liability or responsibility whatsoever for any act or failure to act by, or for following the advice of, such agents, so -8- long as my trustee exercises due care in their selection. The fact that a trustee may be a member, shareholder or employee of any agent so employed shall not be deemed a conflict of interest . Any compensa- t ion- paid-pursuant--to- this--subparagraph" shall-nbIf--df f_6&E_'i in --any manner the amount of or the right of my trustee to receive commissions as a trustee. H. Whenever my trustee determines that the size of any trust does not warrant the cost of continuing it, or that its adminis- tration would be impractical for any other reason, to pay the princi- pal without further responsibility to the income beneficiary, provid- ed, however, that no trustee shall participate in any decision to terminate any trust of which he or she is a current income beneficiary hereunder. I . To do all other acts and things necessary and appropri- ate in the management, administration and distribution of this trust . SEVENTH: Settlor reserves to herself the following right (which may be exercised by Settlor alone whenever and as. often as Settlor may wish) by an instrument in writing, intended to take effect during Settlor' s lifetime, signed by Settlor and delivered to the Trustees, to revoke or amend this agreement in whole or in part, provided that the duties, powers and liabilities of the Trustees shall not be substantially changed without their written consent . EIGHTH: Anyone may add property, real or personal; to the , principal of this Trust by deed, will or otherwise . -9- NINTH: The Trustee may receive compensation for the performance of its functions hereunder in accordance with its standard schedule of fees in effect from time to time during the period over which its services--- are- pe-rf ormed. TENTH: The situs of the trust herein created, for administrative and accounting purposes, shall be in the County of Cumberland and Commonwealth of Pennsylvania, and all questions pertaining to- the construction or validity of the provisions of this instrument shall be governed by the laws of the Commonwealth of Pennsylvania. ELEVENTH: When the context so requires, the masculine gender may be substituted for the feminine, the feminine for the masculine and the neuter for either, and vice versa. The singular shall be substituted for the plural and vice versa. TWELFTH: If Settlor' s spouse and Settlor should die under circumstances that render the order of their deaths uncertain, for the purposes of this gift it shall be conclusively presumed that Settlor' s spouse survived Settlor. In such event, however, (in lieu of the amount above specified) , this gift shall consist of the amount but no more of the principal held under this agreement without deduction for estate or inheritance taxes that must be added to the value of all other property for which the marital deduction is allowed, in order to give Settlor' s estate a marital deduction that would result in the lowest total of federal estate tax on Settlor' s estate and Settlor' s spouse' s estate. Such amount shall be determined on the assumption that Settlor' s spouse died after Settlor on the date of Settlor' s -10- death and that the spouse' s estate was valued as of the date on, and in the manner in, which Settlor' s estate is valued for federal estate tax purposes. -IN--WITNESS- WHEREOF j- Settlor- and--Trustees have their hands and seals the day and year first above written. Witness IRENE S. tRETZEL, Setillor/Trustee Witness ALBERT W. BRETZEL,&Trustee COMMONWEALTH OF PENNSYLVANIA) SS . COUNTY OF CUMBERLAND 4 1 On this the day of Qhjii� 1996 , before me, d' the undesigned officer, a Notary Public, personally appeared IRENE S . BRETZEL and ALBERT W. BRETZEL, known to me (or satisfactorily proven) to be the persons whose names are subscribed to the within instrument and acknowledged that they executed the same for the purposes therein contained. IN WITNESS WHEREOF, I have hereunto set my hand and notarial seal . t,10TARIAL SE�AL PuIN!"o Notary Public ALBERT W. BRETZEL REVOCABLE LIVING TRUST AGREEMENT THIS AGREEMENT OF TRUST, is executed in duplicate this 30th day of January, 1996, by and between ALBERT W. BRETZEL, of the Borough of Mechanicsburg, County of Cumberland and Commonwealth of Pennsylvania, (hereinafter called the "Settlor") and IRENE S. BRETZEL and ALBERT W. BRETZEL, of the Borough of Mechanicsburg, County of Cumberland and Commonwealth of Pennsylvania, (hereinafter called the "Trustees" ) and is to be called the Albert W. Bretzel Revocable Living Trust Agree- ment. W I T N E S S E T H: WHEREAS, Settlor has transferred to the Trustees all the property described in Schedule A annexed here-to. NOW, THEREFORE, Settlor hereby establishes with Trustees a trust consisting of the property described in the aforesaid Schedule A, together with all other property, real or personal, that may be added to the trust (such property, additions and proceeds being hereinafter called principal) to be held by the Trustees, IN TRUST, for the following uses and purposes: FIRST: During the lifetime of the Settlor: A. The Trustees shall pay the net income to the Settlor in such periodic installments as the Trustees shall find convenient, but at least as often as quarter-annually. -1- B The Trustees may apply the net income of this trust for the support of the Settlor should he by reason of age, illness or any other cause, in the opinion of the Trustees, be incapable of disburs- ing_i__tand___the_.Trustees are- further- a-uthor-i-z-ed--ta-exprenci--ot-apply from the principal of this trust such sums as they, in their sole discre- tion, may from time to time deem advisable for the support of Settlor to maintain him in the station of life to which he is accustomed at the creation of this trust or during illness or emergency. C. The Trustees shall pay so much of the principal of the trust up to the entire amount of principal to the Settlor as the Settlor shall request in writing. D. If the Settlor is, in the opinion of the Trustees, disabled by reason of age, illness or any other cause, the Trustees may, but are not required to, apply for Settlor' s wife' s benefit as much of the net income and principal of this trust as the Trustees may deem advisable for Settlor' s wife' s support to maintain her in the standard of living to which she is accustomed at the creation of this trust, after taking into account her other readily available assets and sources of income . . SECOND: If Settlor' s wife, IRENE S . BRETZEL, survives him, Trustee shall hold in separate trust without deduction for estate or inheritance taxes the minimum amount which must be added to the value of all other property in Settlor' s gross taxable estate for which the marital deduction is allowed in order to give Settlor' s estate a marital deduction that will reduce federal estate tax on Settlor' s -2- estate to the lowest possible amount . Such minimum amount shall be determined after first taking into account all other deductions and credits except : A. the- state- death--tax--credit- to the -extent that -its use would require an increase in the amount of state death taxes paid; and B. The credit for tax on prior transfers to the extent that credit arises from transfers to Settlor from individuals who die after Settlor. The size of this trust shall be determined as though Settlor' s executrix elected to qualify it for the marital deduction in accordance with Section 2056 (b} (7) of the Internal revenue Code or its successors, regardless of whether Settlor' s executrix, in fact, so elects. Settlor recognizes that, depending on the amount of other bequests, the amount of Settlor' s non-testamentary dispositions, the amount of state death taxes, and other factors, the marital trust ( "trust All ) may be non-existent, or may amount to the entire balance of Settlor' s testamentary estate so that the residuary trust is non- existent . No property not qualified for the marital deduction shall be allocated to this marital trust A. Trustee shall select and distribute to the marital trust the cash, securities, and other property that shall constitute the marital trust, employing for the purpose of valuation the adjusted basis of the asset for federal estate tax purposes, provided that the assets distributed shall be selected in such manner that they shall have an aggregate fair market value fairly representative of the appreciation -3- or depreciation in the value to the date or dates of distribution of all assets then available for distribution. THIRD: If Settlor' s wife, IRENE S . BRETZEL, survives him, the Trust-e.e. shall--hold- the- residue held- under- this trust agreement't' of every nature and wherever situate, IN FURTHER SEPARATE TRUST, for the following uses and purposes : A. To pay the net income therefrom to Settlor' s wife, IRENE S . BRETZEL, for and during her lifetime in such periodic installments as Trustee shall find convenient, but at least as often as quarter- annually. B. As much of the principal of this Trust as Trustee may from time to time think advisable for the support of Settlor' s wife to maintain her in the station of life to which she is accustomed at Settlor' s death, shall be either paid to him or else applied directly for her benefit by Trustee after taking into account her other readily available assets and sources of income. C. Trustee may apply the net income of this Trust for the support of Settlor' s wife, IRENE S. BRETZEL, should she by reason of age, illness or any other cause, in the opinion of Trustee, be incapable of disbursing it . .D. In addition to the above provisions, Settlor' s wife shall have the power to direct Trustee to pay to her or to apply out of principal in each year, including the year of Settlor' s death, an amount not in excess of the greater of Five Thousand ($5 , 000 . 00 ) Dollars or five (5*-. ) percent of the then aggregate value of the Trust -4- principal . This power is non-cumulative and can be exercised only by an instrument in writing signed by Settlor' s wife, and delivered to Trustee. E_--Upon- the--death-of-- Settlor"' Wife; IREN979-.-tRft ZEL, o- r upon Settlor' s death should his wife predecease him, the Trustee shall distribute the balance of the principal and any accumulated and undistributed income of the Trust in equal shares to such of Settlor' s children, MARYANN MOOREFIELD and KENNETH A. BRETZEL, as survive Settlor. Should any of the above named children of Settlor fail to survive him, the share of such child shall be distributed to such child' s issue, per stirpes. If such .child should leave no issue surviving at the time of distribution, then the share of such child shall be distributed to the issue of Settlor, per stirpes . Any share allotted to a child of Maryann Moorefield or Kenneth A. 13retzel, or to a beneficiary not then twenty-five (25) years of age, shall be held IN FURTHER TRUST for the following uses and purposes : (a) to expend and apply so much of the net income and the principal as the Trustee, in the Trustee' s sole discretion, deems advisable during illness or emergency or for college education shall be either paid directly to the beneficiary or else be applied directly for the beneficiary' s benefit by the 'Trustee after taking into account the beneficiary' s other readily available assets and sources of income, and (b) when the beneficiary reaches the age of twenty-five (25) , the beneficiary may, upon written demand to the Trustee, withdraw the entire remaining balance of the trust principal and accumulated or -5- undistributed income . Notwithstanding anything to the contrary set forth herein, illegitimate issue, stepchildren, adopted children step-grandchildren, adopted grandchildren and their issue shall not be included-as--issue- of- the-Settlor or` thia-Settlori_s_ chzldren far purposes of this trust agreement . F. Should any person entitled to distribution from the Trust be, in the opinion of the Trustee, incapable of disbursing it because of age, illness or other cause, and should it be impossible or inadvisable, in the opinion of the Trustee, for such share to be awarded to such person or distributed to another for such person' s benefit, the share of such person shall be held, IN FURTHER TRUST, and Trustee shall accumulate the income and shall apply from time to time such portions of income, accumulated income, and principal as it deems proper for that person' s support and education including college -with regard to his or her parent' s ability to provide for such support and education, or to make payment for these purposes without further responsibility to the beneficiary or to the beneficiary' s parent , or to any person taking care of the beneficiary. Any principal or income not so applied shall be distributed to the beneficiary when he or she become of age or competent, or to the personal representative of the beneficiary' s estate in case of death during minority or before becoming competent . FOURTH: The interest of the beneficiaries hereunder shall not be subject to anticipation or to voluntary or involuntary alienation. -6- FIFTH: The Trustees shall have the power, but not the duty, to make such expenditures out of the principal of this Trust, as the Trustees, in their discretion, may consider desirable in order to facilitate the settlement- of the- Settlor-1-s-- estate .-- In L exercising such power, the Trustees may pay, in whole or in part, any or all of the following items : the expenses of Settlor' s last illness and burial, including cost of any gravemarker; his debts; his income taxes; the death taxes on any or all property in his gross estate for tax purposes; and all other items in connection with the settlement of his estate . Any such items may be paid directly by the Trustees or the funds for their payment maybe transferred by the Trustees to Settlor' s executors or administrators; and neither such executor nor administrator, nor any beneficiary of Settlor' s estate shall be required to reimburse the surviving Trustees for any funds so paid or transferred. All such death taxes on present or future interests shall be paid at such time or times as the surviving Trustees may think proper, regardless of whether such taxes are then due, provided that any postponed taxes on future interests shall be charged against the principal of the particular share with respect to which the taxes are imposed. SIXTH: The Trustees shall have the following powers in addition i to those vested in them by law and by other provisions set forth herein, applicable to all property, whether principal or income, including property held for minors, exercisable without court approv- al , and effective until actual distribution of all property. -7- A. To invest in all forms of property, including stock, common trust funds and mortgage investment funds backed by the United States Government, whether operated by Trustee or by others, without restriction to investments author---l-zed-for- Pe-nnsylvaffiY-f'idiic--i�'-a-*ri-es, as they deem proper, without regard to any principle of diversification. B. To sell at public or private sale, to exchange or to lease for any period of time, any real or personal property, and to give options for sales, exchanges or leases, for such price and upon such terms and conditions as it deems proper. C. To allocate receipts and expenses to principal on income or partly to each as the Trustee from time to time thinks proper in its sole discretion. D. To compromise any claim or controversy. E. To distribute in cash or kind or partly each. F. To hold property in its name without designation of any fiduciary capacity or in the name of a nominee or unregistered. G. If there is no corporate trustee, to employ one or more agents including but not limited to accountants, investment counsel, brokers, bank or trust company, to perform services for and at the expense of my estate and to carry or register investments in the name of the nominee of such agent . The expenses and charges for such services shall be charged against principal or income or partly against each as my trustee may determine. My trustee is expressly relieved of any liability or responsibility whatsoever for any act Or failure to act by, or for following the advice of, such agents, so -8- long as my trustee exercises due care in their selection. The fact that a trustee may be a member, shareholder or employee of any agent so employed shall not be deemed a conflict of interest. Any compensa- ti-on-paid.- Pur-suant to _this-subparagraph---shall aff-dft inanymanner the amount of or the right of my trustee to receive commissions as a trustee. H. Whenever my trustee determines that the size of any trust does not warrant the cost of continuing it, or that its adminis- tration would be impractical for any other reason, to pay the princi- pal without further responsibility to the income beneficiary, provid- ed, however, that no trustee shall participate in any decision to terminate any trust of which he or she is a current income beneficiary hereunder. I . To do all other acts and things necessary and appropri- ate in the management, administration and distribution of this trust . SEVENTH: Settlor reserves to herself the following right (which may be exercised by Settlor alone whenever and as often as Settlor may wish) by an instrument in writing, intended to take effect during Settlor' s lifetime, signed by Settlor and delivered to the Trustees, to revoke or amend this agreement in whole or in part, provided that the duties, powers and liabilities of the Trustees shall not be substantially changed without their written consent . EIGHTH: Anyone may add property, real or personal, to the principal of this Trust by deed, will or otherwise. -9- NINTH: The Trustee may receive compensation for the performance of its functions hereunder in accordance with its standard schedule of ,fees in effect from time to time during the period over which its ,services,- are- performed: TENTH: The situs of the trust herein created, for administrative and accounting purposes, shall be in the County of Cumberland and Commonwealth of Pennsylvania, and all questions pertaining to the construction or validity of the provisions of this instrument shall be governed by the laws of the Commonwealth of Pennsylvania. ELEVENTH: When the context so requires, the masculine gender may be substituted for the feminine, the feminine for the masculine and the neuter for either, and vice versa. The singular shall be substituted for the plural and vice versa. TWELFTH: If Settlor' s spouse and Settlor should die under circumstances that render the order of their deaths uncertain, for the purposes of this gift it shall be conclusively presumed that Settlor' s spouse survived Settlor. In such event, however, (in lieu of the amount above specified) , this gift shall consist of the amount. but no more of the principal held under this agreement without deduction for estate or inheritance taxes that must be added to the value of all other property for which the marital deduction is allowed, in order to give Settlor' s estate a marital deduction that would result in the lowest total of federal estate tax on Settlor' s estate and Settlor' s spouse' s estate. Such amount shall be determined on the assumption that Settlor' s spouse died after Settlor on the date of Settlor' s -10- death and that the spouse' s estate was valued as of the date on, and in the manner in, which Settlor' s estate is valued for federal estate tax purposes . IN- WITNESS-WHEREOF,_-Set t lor--and-Truste5eFs-,hav;e--hdfe-dii-t6--set' their hands and seals the day and year first above written. Witness ALBERT W. BRETZEL(,,tettlor/Trustee Witness (7 y IRENE S. BRETZEL, Trustlee COMMONWEALTH OF PENNSYLVANIA) ) SS. COUNTY OF CUMBERLAND N On this the , 50 day of 1996 , before me, the undesigned officer, a Notary 'blic, personally appeared IRENE S . BRETZEL and ALBERT W. BRETZEL, known to me (or satisfactorily proven) to be the persons whose names are subscribed to the within instrument and acknowledged that they executed the same for the purposes therein contained. IN WITNESS WHEREOF, I have hereunto set my hand and notarial seal. NOTARIAI- S-7-AL CONSV,!�'T-E L. K4,RU%f4ntry Puhlic Notary ublic CA I (y,';, 1. MetLife Stock Account Information System `Q �2 Page 1 of 1 Perform another Search Results for Social Security Number " as of December 31, 2014 Investor 1D Policy SSN Certified? Shares 806199121769 xxxxx3184 Yes 24 806630959403 xxxxx5852 Yes 38 Number of Certified Shares . . . . . . . . . . . . . . . . . . . . . . . . . . . . 62 Number of Uncertified Shares . . . . . . . . . . . . . . . . . . . . . . . . . . 0 Total Shares . . . . . . . . . . . . . . . . . . . . . . . . . . . . 62 Perform another Search /Skye v/ s kms = -3, https:Hproleads.metlife.com/proleads/secure/sharesearch.do?action=run 3/17/2015 MetLife :: Investor Relations :: Historical Price Lookup • Home Investor RelationsCompanv Overview Executive Officers Stock Information Stock. QuoteStock ChartHistorical Price Lookup I nvestment Calculator Financial Information News & Events Conferences & Presentations Analyst Coverage Shareholder Services Information E-mail Alerts 'Information Requests Contact Information Historical Price Lookup Symbol MET(Common Stock) Select Date February v [-24--v]F2-0-1-5-v-] I Look Up Price Results Date Requested 02/24/15 Closing Price $51.390 Volume 5,415,680 Split Adjustment Factor 1:1 Open $50.890 Day's High $51.600 Day's Low $50.770 Copyright®2008 MarketWatch,Inc.All rights reserved.Please see our Terms of t).co. Designed and powered by Dow Jones Client Solutions Intraday data provided by Interactive Data Real Time Services and subject to the Tenn.,of Use. Intraday data is at least 20-minutes delayed.All times are ET. Historical and current end-of-day data provided by Interactive Data Pricing aud,Reference Dain. ® RSS Feeds Financial Tear Sheet http://investor.metlife.com/phoenix.zhtml?c=121171&p=irol-stocklookup&t=HistQuote 5/4/2015 Court Order Processing\Decedents- MA1-MB3-01-21 - P.O. Box 841005 - Boston,MA 02284 April 3, 2015 Gerald J. Shekletski Stone LaFaver& Shekletski a 414 Bridge Street PO Box E New Cumberland, PA 17070 RE: Estate of Irene S Bretzel Date of Death: 02/24/2015 s Dear Gerald J. Shekletski: Per your request, enclosed please find the account information as of the date of death a for the above-named decedent. For your information, accrued interest is not included in ro the date of death balance. Please feel free to contact me if I can be of any further assistance. Q Very truly yours, Donna Penta Lead Specialist 617-514-5189 x t 4 .K .v T r� b 2 x Q Santander ESTATE OF Irene S Bretzel SOCIAL SECURITY#: DATE OF DEATH: February 24, 2015 Account#: 0931082773 Type Checking —Open date: 7/8/2009 In-the-name-of-.--Irene-&Bretzl-or Maryann B-Moorefield-(Kehhetli-KBr-6tz-61-YOA) Date of Death Balance: $17,498.98 Int.(YTD) from 1/1/2015 to 2/9/2015 $0.25 Accrued interest to date of de $0.10 Other Info: Closed 3/6/15 Page 1 of 1 �•N`° l" ` ENV# CEBBJNDDBBFVMWT_BBBBB SIGNATOR INVESTORS.INC. �� 1 ST 197 CLgRET�'DON STREET.C-5 •• CLI�Eil ENT 1 V 1 BOSTON.MA 02116 / FINANCIAL s.onnrn on...a m•xgn sy.ca ti..n.n,tic..nwnb..rMu.sr_.s�we.ti••een.tic-ren.e.a•r a•.rr 04016610 a xm„e...e«.rti..cw nn.,enM� �remix r ,tie•omm.rt mm.rnn.eee»«n . KENNETH BRETZEL 1620 FOX HOLLOW ROAD MECHANCISBURG PA 17055 ti I FOR THEACCOLIM-OF: STATEMENT FOR THE2EBJMJANUARY 1,2015 TO JANUARY 31,2015 IRENE S BRETZEL ----"') BETHAIV}'L'ILLAGE IRENE S RETZEL Individual A19PLEWOODASSISTLDLIVING Account umber:JH-1:7.4.1990-•---� 5225 WILSON LN STE 315 h-�.np,-•� .�.n.<�.-��,�.p,.m�.,,�.>�<,� -�a,.��.•� ,...<...R<•��_�<..�,�•..»�,..,�,�..v� �w.�........,d,.,.A.�...,_.H...Y...,,,..,. �o,,.._.,.a�.,....�,..�,_.,�..,.....u........ ..�,,M.. .,ra,.,�,<,._,�-,,..,.,,,...�.,.� ,.,.._.. .<�,,,.�.,.....�.,,.....,.�.<.�u.�.,.,.. YOUR REGISTERED REP IS: For questions about your accounts: TOTAL VALUE OF YOUR PORTFOLIO $262,458.04 MICHAEL J.FISCHER Local: 610 841 3037 RR#:GQH National: 888 333 308; www.SignatorOne.com CHANGE IN VALUE OF YOUR PORTFOLIO $thousands 300.000 225.000. 150.000 75.000 0.000 2010 2011 2012 2013 2014 CURRENT CAange In Malue OFYour Portfolio info matran can be filtned i?r.ifucefaneaus Fonnzores a rhe nid o.f ihr rtattmrrtt. Signator Investors,Inc. Account carried with National Financial Services LLC.Member NYSE,SIPC MN _CEBBINDDBBF\rM\X'I"_BBBBB 20150130 Page t of 8 Statement for the Period January 1,2015 to January 31,2015 . . IRENE S BRETZEL- Individual t Account Number: JH1-741990 CLIA 1 ST FINANCIAL 4curb..fi.N uwagh l4Rn R..Ra>_nc,nrrtr i.nA vc,sbrRr Yn.va,�.r tM en...aRr R Jefn IIRRON iYYMR 11Rwri dwt iR FMMYRYI Y•n Yq,arMnt Ikrn IIIARM MRn .bMFilneeet i#,aiefY NRRert Account Overview CHANGE IN ACCOUNT VALUE Cunrnt Period Year-to-Date ACCOUNT ALLOCATION BEGINNING VALUE $262,878.86 $262,878.86 Additions and Withdrawals $0.00 $0.00 Income $335.27 $335.27 Taxes, Fees and Expenses ($0.07) ($0.07) Fixed income 43.3% Change in Investment Value ($756.02) ($756.02) ENDING VALUE(AS OF 01/31115) $262,458.04 $262,458.04 Equities 56.7% Refer to Miwellaneow Footnotesfor more information on Change in Investment Value. INCOME Percem Prior Period Current Period NON-TAXABLE Current Period Year-to-Data Cash 0.0% ($16.46) ($16.53) Non-Taxable Dividends $335.27 $335.27 Equities 56.7 $151,237.87 $148.871.84 TOTAL NON-TAXABLE $335.27 $335.27 Fixed Income 43.3 $111,657.45 $113.602.73 TOTAL INCOME $335.27 $335.27 TOTAL 100.0% $262,878.86 $262,458.04 Taxably income is determined based on information avadable to NFS at Me rune the oarement aas prtparr,4 and is.sub ect to change.Final information on taxation of intense and dnrdmd,it aiavdablr RccoantAllocrtionshows r&percentage rlxrt mch asset class rrprrsenn of tour total accouter slue, on Form 1099-Divi,which ii mailed m Februan,of the a bxquenr tear. Account Allocation far equities,fwd income..and otirr caregoriej may inchAde mutual fund and ma_y be net ofsborrposiriom.NFS has made assumfnions concerning how Certain mutual funds are allocated Closed-end mutual fund and ExcEange Traded Fundi(ETFs)&red on an exchange mal- be apbe inclradyd ire rhryguiryallocation. T/r charr may not reflect tnuracrual port{nho allocation.Consult trur bwkerMealer prior to making un rnment dea Toru. TAXES,FEES AND EXPENSES Current Period Year-to-Date Account Fees ($0.07) ($0.07) TOTAL TAXES,FEES AND EXPENSES ($0.07) ($0.07) Signator Investors,Inc. Account carried with National Financial Semites LLC.Member '` c' NYSE.SIPC w c Statement for the Period January 1,2015 to January 31,2015 Account S umber: J- Individual (t) C1 ST Account Number: JH1-741990 FINANCIAL 9«urwwP othrM nr Vh 1119-PtrPFlati.P,[.,owns«F"M BSC.Big—iM N tM brger a�ohr Of John MPnceCP GinvrcM Nriww\.CPM tGt Finbr[IU iF�n MOpenO�rt Mm FTIIFIrE M1� John wPncooP iP,Fncwl INtweA Holdings NFS-provided cost basis, realized gain(loss)and holding period information may not reflect all adjustments necessary for tax purposes Please refer to Footnotes and Cost Basis Information at the end of this statement for more information CASH AND CASH EQUNALENTS-0.00%of Total Account Value :� ^.n^uus•..�+.+•:.tr.::�».�n��e><�n�:rcz�:.-an�r.a�.z,.�,;�mrz'crma re�'ovN�r.+r„.a;�+vxa�w�: xasr::%yesua.,�:�r: -s�eecece�zf ...�.x.:..cn�arzse�:<:s�raza^^..^�:. :>��;,.rz... _._..^.rx«�-..-^r-^r a>r.;� ,.,.._._ ...<..�-. Symbol/Cusip Price on Current Estimated Description Account Type Quantity 01/31/15 Market Value Annual Income Cash NET CASH POSITION 1$16.531 I Total Cash and Cash Equivalents 4116.531 HOLDINGS > MUTUAL FUNDS- 100.00%of Total Account Value Symbol/Cusip Price on Current Estimated Total Unrealized Description Account Type Quantity 01/31/15 Market Value Annual Income Cost Basis Gain (Loss) "`^^ui ty AMERICAN CENTURY INT'L GROWTH INV CL TWIEX 6,552.56 $1207 $79,089.40 $870.84 $62,969.28 C $16.120.12 Estimated Yield 1.10% CASH Dividend Option Reinvest Capital Gain Option Reinvest AMERICAN CENTURY VALUE INV CL TWVLX 8,417.665 $8.29 $69,782.44 $1,113.66 $54,663.62 $15,118.82 Estimated Yield 1.59% CASH Dividend Option Reinvest Capital Gain Option Reinvest Total Equity $148,871.84 $1,984.50 $117,632.90 531,238.94 Fixed Income AMERICAN CEN INTER TERM TAX-FREE BO INV TVVTIX 2,128.254 $1160 $24,687.75 $634.74 Estimated Yield 2.57% CASH Dividend Option Reinvest Capital Gain Option Reinvest Option Reinvest Signator Investors,Inc. Account carried with National Financial Services LLC.Member NYSE,SIPC MN _CEBBJNDDBBFN%4-\%TT_BBBBB 20150130 Page 3 of 8 Statement for the Period January 1,2015 to January 31,2015 CL2iitii1T TIRENE S BRETZEL-individual 1 Account Number: JH1-741990 FINANCIAL u r 1. a,a.,rM+coa ui tw..C"+n vw,sw r W.,M,e.o.na•.n ninnve war: .iw,wem i v`.ercw HOLDINGS> MUTUAL FUNDS rontinurrd Symbol/Cusip Price on Current Estimated Total Unrealized Description Account Type Quantity, 01131/15 Market Value Annual Income Cost Basis Gain(Lass) DREYFUS MUNIBD FO CL Z DMBZX 3,307.368 $13.24 $43,789.55 $1,505.06 Estimated Yield 3.43% CASH Dividend Option Reinvest Capital Gain Option Reinvest EATON MANCE AMT FREE MUNI INCOME CL A EtMEIX 4,750.045 $9.50 $45,125.43 $1,832.66 $46,652.88 ($1,521.45) Estimated Yield 4.06% CASH Dividend Option Reinvest Capital Gain Option Reinvest Total Fixed Income $113,602.73 $3,972.46 $46,652.66 121,527.451 Total Mutual Funds $262,474.57 $5,956.96 $164,285.78 $29.711.49 Total Securities $262,474.57 $5,956.96 $164,285.78 $29,711.49 TOTAL PORTFOLIO VALUE $262.458.04 $5,956.96 $164,285.78 $29,711.49 Activity NFS-provided cost basis, realized gain(loss)and holding period information may not reflect all adjustments necessary for tax purposes Please refer to Footnotes and Cost Basis Information at the end of this statement for more information. TRADING Settlement Account Total Realized Date Type Transaction Description Quantity Amount Cost Basis Gain (Loss) Securities Purchased 12/31/14 CASH REINVESTMENT AMERICAN CEN INTER TERM TAX-FREE 4.928 ($56.48) SD INV REINVESTED 0$11.46 Signator Investors,Inc. Account carried with National Financial Services LLC.Member IN-YSE.STPC ^ -51 Statement for the Period January 1,2015 to January 31,2015 OVI• CLIENT IST IRENE S BRETZEL- Individual Account Number: JHt-741990 / FINANCIAL i.evcftks a1.n6Oawgn SiQnMe......—M..noem.r"Kk WC.www.w...ten.Me M fM ma.w A..trr vl J.Mr Hncec.in.ncM Nr1wwA.GFM t.l FpM'M h N FMrp.rnfrn[Mm.111N.f.G Mtn jo. %_w Wtwo.1. TRADING continued k"`:.c..;e>:.,. m"mats•,'ktw""ua<'s"6T.;.4'mtx"r23�.,.:?..1"S.il :efit3Tw.:,T3,. �T.%s..a7,.:::T 1TI- e....::4: Settlement Account Total Realized Date Type Transaction Description Quantity Amount Cost Basis Gain (Loss) 12/31/14 CASH REINVESTMENT DREYFUS MUMEID FD CL Z 10.086 I$131 A21 — REINVESTED 0$13.03 12/31/14 CASH REINVESTMENT EATON VANCE AMT FREE MUNI INCOME 15.728 IS147.37) CL A REINVEST 0$9.370 Total Securities Purchased {$335.27} ACTIVHY> INCOME>NON-TAXABLE INCOME ,'S.�`S"`Y,',...�»':,,o-'wac�3v,'S€''...,��aav,.t;!:�4::+�s3�"�:u;�Y;Mlm.,.,..2<f;irFS%fi.a`Y5.°R'.2Esi'�?tsS'"q».'SC:'_9fs ixT�,`2Y.°."..;�' ...:.�''a:a T„'�',5<.':iawe,.: ;,...,x_?Y,�3sp.,ex,-,'4,.^""'"_,:...rh.zMt„»£r fi{."'„vwR^ ,..:3'w3�',..✓<.'Y'."aF;_..,'""M;?'r,^,''"tt<..n.,..nom"'».'$.,,,. ..N ,.,r,'.;., .r',"cr..,>: Y:.,a. ,._ "'3.:;;%:, r'-:'..:az,3µ'.., Settlement Account Date Type Transaction Description Quantity Amount Non-Taxable Dividends 1.2/31/14 CASH DIVIDEND RECEIVED AMERICAN CEN INTER TERM TAX-FREE $56.48 BD INV 12/31/14 CASH DIVIDEND RECEIVED DREYFUS MUNIBD FD CL Z 5131.42 12/31/14 CASH DIVIDEND RECEIVED EATON VANCE AMT FREE MUNI INCOME 5147.37 CL A Total Non-Taxable Dividends $335.27 Total Non-Taxable Income $335.27 _ TOTAL INCOME $335.27 Signator Investors,Inc. Account carried witli National Financial Services LLC,Member NrYSE,SIPC MN _CEBBJNTDDBBFN7h4\T T'_BBBBB 20150130 Page 5 of 8 Statement for the Period January 1,2016 to January 31,2015 IRENE S BRETZEL-individual /• CLIWT �J 1 `T Account Number: JH1-741990 /// FINANCIAL ..,...«..�....wwroF KMm wneu.,rK..a.,,�..n,.v,frc.nprr►v.wa.,r,c.w.,.ao...a«. I hxn,bneeef Rnnd.t f+.ewn, CMv tk FMnrcNl M.r,ntl,pn,a«n nrm InrMw wfn xev,,tixee,vnr,er wewen ACTIVITY> TAXES, FEES AND EXPENSES Settlement Account Date Type Transaction Description Quantity Amount Account Fees 01/20/15 CASH FEE PAID CASH DEBiT CHARGE 0 7,750%AVG ($0.07) BAL 160R 12/31 V120 END BAL 160R 21 DAYS Total Account Fees ($0.07) TOTAL.TAXES,FEES AND EXPENSES 1$0.07) Footnotes and Cost Basis Information Amortization,accretion and similar adjustments to cost basis have been provided for many fixed income securities(and some bond-like equities),however,they are not provided for certain types,such as short-term instruments, Unit Investment Trusts,foreign fixed income securities,or those that aft subject to early prepayment of principal(pay downs). Where current year premium or acquisition premium amortization is provided,the prior years'cumulative amortization is reflected in the adjusted cost basis,but we cannot provide a breakdown or the total of such prior amortization amounts NFS is required to report certain cost basis and related information to the iRS on the Form 1099-8. Your official 1099-B forms for certain transactions will reflect which lots have been sold for tax purposes To apply a specific identification cost basis method to 1099-8 reporting,appropriate instructions must be on file with NFS or be received by NFS before the trade has settled. Absent such instructions, NFS determines cost basis at the time of sale based on its default methods of average cost for open-and mutual funds and first-in,first-out(FIFO)for all other securities(including ETFs)unless your broker dealer has elected to use another default method. NFS applies FIFO(or other disposal method,if applicable)based on its records,which may be different from yours. For transactions that are not subject to 100-9-8 cost basis reporting,you should refer to your trade confirmations and other applicable records to determine which lots were considered sold for tax purposes. While NFS must meet iR2S requirements with respect to certain information required to be reported to the IRS,NFS-provided cost basis,realized gain and loss,and holding period information may not reflect all adjustments necessary for your tax reporting purposes.NFS makes no warranties with respect to and specifically disclaims any liability arising out of a customers use of,or any tax position taken in reliance upon, such information. For investments in partnerships,NFS does not make any adjustments to cost basis information as the calculation of basis in such investments requires supplemental information from the partnership on its Income and distributions during the period you held your investment Partnerships usually provide this additional information on a Form K-1 issued try April 15th of the following year Consult your tax advisor for further information C -Cost basis information(or proceeds from short sales)was provided by you We treat it as original cost basis.For equities,we will adjust the cost basis for any corporate actions which our system supports from the date the security was transferred to the account For asset-backed fixed income securities,we will adjust the cost basis for principal paydowns from the date the see unity was transferred to the account We do not apply any wash sale rules to tax tots with customer-provided cost basis In certain cases,when positions are transferred between accounts the cost basis information may be automaticallytransferred and deemed to be customer-provided Signator Investors,Inc. Account tamed with National Financial Services LLC,.Member NYSE,SIPC r7% rt, . Statement for the Period January 1,2015 to January 31,2015 Account t umber:BRETZEL- Individual I ` CLIENT 1 ST Account Number: JH 1-741990 ] 1 JJJ FINANCIAL 8«w11 W eIM1nC tMaq+tura ti••ftws,tic.,.rfkin F►INA wc.�b^M�Yn•ftm,tic.s m bM•+aw. f•ad.+xu,e«e rtnneb wewen Ca•+R ttt ftiMKWbOn tM•pfrt6•rtl tbm dN+�1•d«Rn Jeln MMeM F�1Y r/•hra•• Miscellaneous Footnotes CHANGE IN VALUE OF YOUR PORTFOLIO is the change in market value of your portfolio assets over the time period shown. The portfolio assets include the market value of all the securities in the account, plus insurance and annuity assets if applicable. The time frame of the graph is from account opening or September 2011,whichever is later,to the current period Please note that large increases and/or declines in the change in the value of the portfolio can be due to additions,distribution and/or performance CHANGE iN INVESTMENT VALUE is the difference between the prior period and current period values which includes the difference between securities that were bought, sold and redeemed during this time period as well as any activity that occurred such as additions and withdrawals.securities transferred,income,expenses,and other activity This does not reflect activity related to assets in which National Financial is not the custodian(e.g. Insurance and Annuities,Assets Held Away and Other Assets Held Away) CALLABLE SECURITIES LOTTERY•When street name or bearer securities held for you are subject to a partial call or partial redemption by the issuer,NFS may or may not receive an allocation of called/redeemed securities by the issuer,transfer agent and/or depository. If NFS is allocated a portion of the called/redeemed securities,NFS utilizes an impartial lottery allocation system,in accordance with applicable rules,that randomly selects the securities within customer accounts that will be called/redeemed. NFS'allocations are not made on a pro rata basis and it is possible for you to receive a full or partial allocation,or no allocation. You have the right to withdraw uncalled fully paid securities at any time prior to the cutoff date and time established by the issuer,transfer agent and/or depository with respect to the partial call,and also to withdraw excess margin securities provided your account is not subject to restriction under Regulation T or such withdrawal will not cause an undermargined condition PRICING INFORMATION- Prices displayed are obtained from sources that may include pricing vendors,broker/dealers who clear through NFS and/or other sources.Prices may not reflect current fair market value and/or may not be readily marketable or redeemable at the prices shown FOREIGN EXCHANGE TRANSACTIONS-Some:transaction types necessitate a foreign currency exchange(FX)in order to settle FX transactions may be effected by Fidelity Forex,Inc.on a principal basis. Fidelity Forex, Inc,an affiliate of NFS,may impose a commission or markup on the prevailing interbank market price,which may result in a higher price to you.Fidelity Forex,inc.may share a portion of any FX commission or markup with NFS More favorable rates may be available through third parties not affiliated with NFS The rate applicable to arty transaction involving an FX is available upon request through your broker-dealer. COST BASIS LEGISLATION-New iRS Rules will require National Financial Services to report cost basis and holding period Information for the sale of shares of open end Mutual Fund holdings purchased on or after January 1,2012 on Form 1099-8. National Financial Services determines the cost basis for all shares of open end mutual funds using a default method of average cost. Alternatively,account owners or their brokers and advisors can instruct National Financial Services to determine the cost basis for shares of open end mutual funds by 1)setting up their non-refinement accounts with one of our eleven tax lot disposal methods available to investors or 2)identifying specific tax lots to sell at the time of a transaction. Contact your broker or advisor to learn more about the cost basis tracking of your holdings Signator Investors,Inc. Account carried with rational Financial Sertices LLC.Memlvr Nl'SE.SIPC MN _CEBBJNDDBBFN,--M>:'T_BBBBB 20150130 Page 7 of 8 GLOSSARY Short Account Balances-it you have sold securities under the short sale rule,we have,in closely reflect the value at which the security may be sold or purchased based on various market tactors. accordance with regulations,segregated the proceeds from such transactions in your Short Account.Any investment decisions should be made only after consulting your broker-dealer. Estimated Yield( EY") and market increases or decreases from the original sale price will be marked to the market and will be transferred Estimated Annual Income{ EAI i When available,the coupon rate of some fixed income securities is to your Margin Account on a weekly basis. Market Value-The Total Market Value has been calculated out to divided by the current market value of the fixed income security to create the EY figure andior the current 9 decimal places,however,the individual unit price is displayed in 5 decimal places.The Total Market Value interest rate or most recently declared dividends for certain securities are annualized to create the EAI figure. represents prices obtained from various sources,may be impacted by the frequency in which such prices are EA1 and EY are estimates,and the'income and yield might by lower or higher.Estimates may include return of reported and such prices are not guaranteed.Prices received from pricing vendors are generally based on principal or capital gains.which would render them overstated.In addition.EAI is calculated for positions or current market quotes,but when such quotes are not available the pricing vendors use a variety of techniques accounts where dividends are reinvested and not paid as income.EY reflects only the income generated by an to estimate value.These estimates,particularly for fixed income securities,may be based on certain investment;not changes in prices which fluctuate.These figures are based on mathematical calculations of minimum principal amounts(e.g.$1 million)and may not reflect all of the factors that affect the value of the available data,and have been obtained from information providers believed to be reliable,but no assurance security,including liquidity risk.The prices provided are not firm bids or offers.Certain securities may reflect can be made as to accuracy.Since the interest and dividend rates are subject to change at any time,and may "N/A"or"unavailable"where the price for such security is generally not available from a pricing source.The be affected by current and future economic,political and business conditions,they should not be relied on for Market Value of a security,including those priced at par value,may differ from its purchase price and may not making investment,trading decisions,or tax decisions. CUSTOMER SERVICE:Please review your statement and report any discrepancies immediately.Inquiries or 12b-1 tees described in the prospectus as well as additional compensation,paid by the funds,their investment concerns regarding your brokerage account or the activity therein should be directed to your broker-dealer at the advisors or affiliates.Additional information about the source(s)and amounts)of compensation as well as other telephone number and address reflected on the front of this statement and National Financial Services LLC remuneration received by your introducing broker dealer and/or NFS will be furnished to you upon written request. ("NFS')who carries your brokerage account and acts as your custodian for funds and securities that are At time of purchase fund shares may be assigned a load,transaction fee or no transaction fee status.At time of deposited with NFS by you or your broker-dealer,or as a result of transactions NFS processes for your account, sale,any fees applicable to your transaction will be assessed based on the status assigned to the shares at time may also be contacted for statement discrepancies.NFS may be called at (800)801-9942. Any oral of purchase. Margin. It you have applied for margin privileges and been approved.you may borrow money communications regarding inaccuracies or discrepancies should be reconfirmed in writing to protect your rights. from NFS in exchange for pledging the assets in your account as collateral for any outstanding margin loan.The including those under the Securities investor Protection Act("SIPA').When contacting either NFS or your amount you may borrow is based on the value of securities in your margin account.which is identified on your broker-dealer.remember to include your entire brokerage account number to ensure a prompt reply.Please notify statement.if you have a margin account,this is a combined statement of your margin account and special the service center or your broker-dealer promptly in writing of any change of address. memorandum account other than your non-purpose margin accounts maintained for you under Section 220.5 of ADDITIONAL INFORMATION Customer free credit balances are not segregated and may be used in Regulation T issued by the Board of Governors of the Federal Reserve Board.The permanent record of the NFS'business in accordance with federal securities laws.You have the right to receive.subject to open separate account,as required by Regulation T,is available for your inspection upon request. NYSE and commitments in any of your brokerage accounts,any tree credit balances to which you are entitled.interest on FINRA.All transactions are subject to the constitution,rules.regulations,customs,usages,rulings and free credit balances awaiting reinvestment may be paid out at rates that may vary with current short-term money interpretations of the exchange market and its clearing house,it any,where the transactions are executed.and of market rates and/or your brokerage account balances,set at the discretion of your broker-dealer and/or NFS.It the New York Stock Exchange(NYSE)and of the Financial Industry Regulatory Authority("FINPA').The FINRA your free credit balance is automatically transferred to a money market fund or to an FDIC insured bank account requires that we notify you in writing of the availability of an investor brochure that includes information describing you use as your brokerage accou ft's core position,you can liquidate the shares of the money market fund or bank FINRA Regulation's BrokerCheck Program("Program').To obtain a brochure or more information about the balances at any time and have th,proceeds remitted to you or held in your brokerage account subject to the Program or FINRA Regulation.contact tate FINRA Regulation BrokerCheck Program Hotline at(800)289-9999 or terms and conditions of your account agreement. access the FINRA's web site at www.linTa.org, FINRA Rule 4311 requires that your broker-deafer and NFS Credit Adjustment Program. Accounthotders receiving payments in lieu of qualified dividends may not be allocate between them certain functions regarding the administration of your brokerage account.The following is eligible to receive credit adjustments intended to help cover additional associated federal tax burdens. NFS a summary of the allocation services performed by your broker-dealer and NFS.A more complete description i= reserves the right to deny the adjustment to any accountholder and to amend or terminate the credit adjustment available upon request. Your broker-dealer is responsible for: (1)obtaining and verifying brokerage program. account information and documentation,(2)opening,approving and monitoring your brokerage account,(3) Options Customers.Each transaction confirmation previously delivered to you contains full information about transmitting timely and accurate orders and other instructions to NFS with respect to your brokerage account,(4) commissions and other charges.If you require further information,please contact your broker-dealer. determining the suitability of investment recommendations and advice,(5)operating,and supervising your Assignments of American and European-styie options are allocated among customer short positions pursuant to brokerage account and its own activities in compliance with applicable taws and regulations including compliance a random allocation procedure,a description of which is available upon request. Short positions in with margin rules pertaining to your margin account,it applicable,and(6)maintaining required books and records American-style options are liable for assignment at any time. The writer of a European-style option is subject to for the services that it performs. NFS shalt,at the direction of your broker-dealer: (1)execute,clear and exercise assignment only during the exercise period.You should advise your broker-dealer promptly of any settle transactions processed through NFS by your broker-dealer,(2)prepare and send transaction confirmations material change in your investment objectives or financial situation. Splits,Dividends,and Interest. Expected and periodic statements of your brokerage account(unless your broker-dealer has undertaken to do so).Certain stock split,next dividend payable,and next interest payable information has been provided by third parties and securities pricing and descriptive information may be provided by your broker-dealer or obtained from third partie may be subject to change.Information for certain securities may be missing it not received from third parties in deemed to be reliable,however,this information has not been verified by NFS,(3)act as custodian for funds and time for printing.NFS is not responsible for inaccurate,incomplete,or missing information.Please consult your securities received by NFS on your behalf,(4)follow the instructions of your broker-dealer with respect to broker-dealer for more information about expected stock split,next dividend payable,and next interest payable for transactions and the receipt and delivery of funds and securities for your brokerage account,and(5)extend certain securities. margin credit for purchasing or carrying securities on margin.Your broker-dealer is responsible for ensuring that Equity Dividend Reinvestment Customers. Shares credited to your brokerage account resulted from your brokerage account is in compliance with federal,industry and NFS margin rules,and for advising you of transactions effected as agent by either:1)Your broker-dealer for your investment account,or 2)through the margin requirements.NFS shall maintain the required books and records for the services it performs. Secunitie Depository Trust Company(DTC)dividend reinvestment program.For broker-dealer effected transactions,the in accounts carried by NFS are protected in accordance with the Securities Investor Protection Corporation time of the transactions,the exchange upon which these transactions occurred and the name of the person from ("SIPC')up to$500.000. The$500.000 total amount of SIPC protection is inclusive of up to$250,000 protectior whom the security was purchased will be furnished upon written request.NFS may have acted as market maker tot claims for cash,subject to periodic adjustments for inflation in accordance with terms of the SIPC statute and in affecting trades in'over-the-counter*securities. approval by SIPC's Board of Directors. NFS also has arranged for coverage above these limits.Neither coverac Retirement Contributions/Distributions. A summary of retirement contributions/distributions is displayed for protects against a decline in the market value of securities.nor does either coverage extend to certain securitie! you in the activity summary section of your.statement. Income Reporting.NFS reports earnings from that are considered ineligible for coverage.For more details on SIPC,or to request a SIPC brochure,visit investments in Traditional IRAs.Rollover IRAs.SEP-IRAs and.Keoghs as tax-deterred income.Earnings from www.sipe.org or call 1-202-371-8300.Funds used to purchase or sweep to a bank deposit are SIPC protectet Roth IRAs are reported as tax-free income,since distributions may be tax-tree after meeting the 5 year aging until deposited to a Program Bank at which time funds may be eligible for FDIC insurance.Assets Held Away. requirement and certain other conditions. A financial statement of NFS is available for your personal commodities.unregistered investment contracts.futures accounts.loaned securities and outer investments may inspection at its office or a copy of it will be mailed to you upon your written request. not be covered.Precious metals are not covered by SIPC protection.Mutual funds and!or other securities are nc Statement Mailing. NFS will deliver statements by mail or,0 applicable,notify you by e-mail of your statement's backed or guaranteed by any bank,nor are they insured by the FDIC and involve investment risk including availability,if you had transactions that affected your cash balances or security positions held in your account(s) possible loss of principal, during the last monthly reporting period.At a minimum,all brokerage customers will receive quarterly statements End of Statement 10092, (at least four times per calendar year)as long as their accounts contain a cash or securities balance. Loads and Fees.In connection with access to,purchase of.and/or maintenance of positions in mutual funds and other investment products("funds'),your introducing broker dealer and/or NFS may receive the salesloads and Signator Investors,Inc. Account carried with National Financial Services LLC,Member NYSE.SiPC tc» Page e EEM6-02 Principal Life Insurance Company t • ' 'Des Moines,IA 50392-0001 Financia! � i • Group, 000015 KENNETH A BRETZEL 1620 FOX HOLLOW ROAD MECHANICSBURG PA 17055-6762 Death Claim: IRENE S BRETZEL Date of Death Value: $340,428.53 Taxable Short Term Interest: $1,650.85 Federal Withholding: $25,716.97 State Withholding: $3,$57.55 Net Benefit Payable: $312,504.86 Taxable Gain: $128,584.85 _ ._Tax-Year: 2015- - - — - STDCHK K 17674071 04-23-2015 (Detach and Rein for Your Records) $312,504.86 WVALU Principal Life Insurance Company K 17674071 Des Moines, IA 50392-0001 70-23821719 F;Arinandal Date 04-23-2015 NOT VALID AFTER 180 DAYS CONTRACT NO 8702474 REFERENCE. NO 00119587 Amount $********312,504.86* Pay To KENNETH A BRETZEL 1620 FOX HOLLOW ROAD . MECHANICSBURG PA 17055-6762 ............................................ lrIlIIIlIIM+rN+NrlltlN f/lllJrrl N '-J fJfll+I/III HI/MN�/I fNrr! n - • IN//[l[llrflrlr/ iViM•••..)ll NlrN>; 2 •_ /+rlr+xxlx.i: rrxx}.../rr/u/�H 3� iiii/!//r+r/:rr+rru...rrur/rrlxr//+u! �! -/!I!rNIiYJ/frNlrlllrlNNrlr/lrNlfr THREE HUNDRED TWELVE THOUSAND FIVE HUNDRED FOUR AND 86/100--- TNF MORTHFRN TRI IST romPANY.CHICAGO-IL 0710 n..f►v,.i anit Ccnn�t..rolcl i v n 0 D PREMIUM ESTATE VALUATION REPORT Prepared for: IRENE S. BRETZEL Date: March 12, 2015 Prepared by: Peter B. Arnold Financial Advisor 717-731-1672 3780 Trindle Road Camp Hill, PA 17011 www.edwardjones.com Member SIPC Edward Jones Edward Jones,its employees and financial advisors are not estate planners and cannot provide tax or legal advice. You should consult a qualified attorney for professional advice on your specific situation. MA�ING SENSE OF INVESTING Estate Valuation Date of Death: 02/24/2015 Estate of: IRENE S. BRETZEL Valuation Date: 02/24/2015 Account: 851-13043 Processing Date: 03/12/2015 Report Type: Date of Death Number of Securities: 21 File ID: 851-13043 Shares Security Mean and/or Div and Int Security or Par Description High/Ask Low/Bid Adjustments Accruals Value 1) 53.2 Cash (CASH) 53.20 2) 150 CISCO SYS INC (17275R102) COM The NASDAQ Stock Market LLC .02/24/2015 29.71000 29.43000 H/L 29.570000 4,435.50 3) 392 COCA COLA CO (191216100) Com New York Stock Exchange 02/24/2015 42.33000 41.77000 H/L 42.050000 16,483.60 4) 1116 GENERAL ELECTRIC CO (369604103) - COM - New York Stock Exchange 02/24/2015 25.45000 25.09000 H/L 25.270000 28,201.32 Div: 0.23 Ex: 02/19/2015 Rec: 02/23/2015 Pay: 04/27/2015 256.68 5) 94 HARLEY DAVIDSON INC (412822108) CON New York Stock Exchange 02/24/2015 62.47000 61.87000 H/L 62.170000 5,843.98 Div: 0.31 Ex: 02/13/2015 Rec: 02/18/2015 Pay: 03/06/2015 29.14 Page I Disclaimer: This report was produced by Edward Jones DOD Valuation Service. This report was calculated using EstateVal, a product of Estate Valuations & Pricing Systems Inc. Please review all contents for accuracy and completeness. If you have questions, please contact Edward Jones Valuation Service at 1-888-441-5475 (Revision 8.0.1) . Estate Valuation Date of Death: 02/24/2015 Estate of: IRENE S. BRETZEL Valuation Date: 02/24/2015 Account: 851-13043 Processing Date: 03/12/2015 Report Type: Date of Death Number of Securities: 21 File ID: 851-13043 Shares Security Mean and/or Div and Int Security or Par Description High/Ask Low/Bid Adjustments Accruals Value 6) 75 HOME DEPOT INC (437076102) COM New York Stock Exchange 02/24/2015 117.92000 115.13000 H/L 116.525000 8,739.38 7) 122.86113 HARSCO CORP (415864107) COM New York Stock Exchange 02/24/2015 17.45000 , 17.15000 H/L 17.300000 2,125.50 8) 600 INTEL CORP (458140100) COM The NASDAQ Stock Market LLC 02/24/2015 34.48990 33.51000 H/L 33.999950 20,399.97 Div: 0.24 Ex: 02/04/2015 Rec: 02/07/2015 Pay: 03/01/2015 144.00 9) 10727.259 LORD ABBETT MUNI INCOME FD (543902100) NATL SER CL A Mutual Fund (as quoted by NASDAQ) 02/24/2015 11.42000 Mkt' 11.420000 122,505.30 Daily div. accrual as of 02/24/2015 310.90 Page 2 Disclaimer: This report was produced by Edward Jones DOD Valuation Service. This report was calculated using EstateVal, a product of Estate Valuations & Pricing Systems Inc. Please review all contents for accuracy and completeness. If you have questions, please contact Edward Jones Valuation Service at 1-888-441-5475 (Revision 8.0.1) . • Estate Valuation Date of Death: 02/24/2015 Estate of: IRENE S. BRETZEL Valuation Date: 02/24/2015 Account: 851-13043 Processing Date: 03/12/2015 Report Type: Date of Death Number of Securities: 21 File ID: 851-13043 Shares Security Mean and/or Div and Int Security or Par Description High/Ask Low/Bid Adjustments Accruals Value 10) 200 PPL CORP (69351T106) COM New York Stock Exchange 02/24/2015 35.48000 35.00000 H/L 35.240000 7,048.00 11) 12926.103 OPPENHEIMER MULTI ST MUNICIPAL (683940100) ROCH PA MUN CL A Mutual Fund (as quoted by NASDAQ) 02/24/2015 10.75000 10.750000 138,955.61 Div: 0.050995 Ex: 02/24/2015 Rec: 02/20/2015 Pay: 02/25/2015 659.16 12) .100 PAYCHEX INC (704326107) Com The NASDAQ Stock Market LLC 02/24/2015 49.97000 49.23000 H/L 49.600000 4,960.00 13) 195 PROCTER & GAMBLE CO (742718109) Com New York Stock Exchange 02/24/2015 85.74000 85.01000 H/L 85.375000 16,648.13 Page 3 Disclaimer: This report was produced by Edward Jones DOD Valuation Service. This report was calculated using EstateVal, a product of Estate Valuations & Pricing Systems Inc. Please review all contents for accuracy and completeness. If you have questions, please contact Edward Jones Valuation Service at 1-888-441-5475 (Revision 8.0.1) . Estate Valuation Date of Death: 02/24/2015 Estate of: IRENE S. BRETZEL Valuation Date: 02/24/2015 Account: 851-13043 Processing Date: 03/12/2015 Report Type: Date of Death Number of Securities: 21 File ID: 851-13043 Shares Security Mean and/or Div and Int Security or Par Description High/Ask Low/Bid Adjustments Accruals Value 14) 640 PFIZER INC (717081103) COM New York Stock Exchange 02/24/2015 34.34000 34.08250 H/L 34.211250 21,895.20 Div: 0.28 Ex: 02/04/2015 Rec: 02/06/2015 Pay: 03/03/2015 179.20 15) 488.353 ROWE T PRICE INDEX TR INC (779552108) EQUITY INDEX Mutual Fund (as quoted by NASDAQ) 02/24/2015 57.16000 Mkt 57.160000 27,914.26 16) 116.13685 YUM BRANDS INC (988498101) COM New York Stock Exchange 02/24/2015 78.06000 77.08000 H/L 77.570000 9,008.74 17) 50000 ERIE PA (295407VR8) Interactive Data Corporation DTD: 02/21/2001 Hat: 11/15/2025 0% 02/24/2015 72.45000 Mkt 72.450000 36,225.00 Page 4 Disclaimer: This report was produced by Edward Jones DOD Valuation Service. This report was calculated using EstateVal, a product of Estate Valuations & Pricing Systems Inc. Please review all contents for accuracy and completeness. If you have questions, please contact Edward Jones Valuation Service at 1-888-441-5475 (Revision 8.0.1) . Estate Valuation Date of Death: 02/24/2015 Estate of: IRENE S. BRETZEL Valuation Date: 02/24/2015 Account: 851-13043 Processing Date: 03/12/2015 Report Type: Date of Death Number of Securities: 21 File ID: 851-13043 Shares Security Mean and/or Div and Int Security or Par Description High/Ask Low/Bid Adjustments Accruals Value 18) 1326.282 LORD ABBETT MUNI INCOME TR (543912778) SH/DURA TXFR A Mutual Fund (as quoted by NASDAQ) 02/24/2015 15.81000 Mkt 15.810000 20,968.52 Daily div. accrual as of 02/24/2015 16.88 19) 35000 BUTLER CNTY PA HOSP RUTH HOSP (123592CN5) Interactive Data Corporation DTD: 04/30/2009 Mat: 07/01/2029 7.125% 02/24/2015 125.39200 Mkt 125.392000 43,887.20 Int: 01/01/2015 to 02/24/2015 367.14 20) 7574.85 AIM TAX-EXEMPT FDS INVESCO (001419688) INV HIYLD MUNI A Mutual Fund (as quoted by NASDAQ) 02/24/2015 10.05000 Mkt 10.050000 76,127.24 Daily div. accrual as of 02/24/2015 269.45 21) 200 WALGREENS BOOTS ALLIANCE INC (931427108) COM NASDAQ Stock Market 02/24/2015 80.79000 78.24000 H/L Div: 0.3375 Ex: 02/13/2015 Rec: 02/18/2015 Pay: 03/12/2015 79.515000 67.50 15,903.00 Page 5 Disclaimer: This report was produced by Edward Jones DOD Valuation Service. This report was calculated using EstateVal, a product of Estate Valuations & Pricing Systems Inc. Please review all contents for accuracy and completeness. If you have questions, please contact Edward Jones Valuation Service at 1-888-441-5475 (Revision 8.0.1) . Estate Valuation Date of Death: 02/24/2015 Estate of: IRENE S. BRETZEL Valuation Date: 02/24/2015 Account: 851-13043 Processing Date: 03/12/2015 Report Type: Date of Death Number of Securities: 21 File ID: 851-13043 Total Value: $628,328.65 Total Accrual: $2,300.05 Total: $630,628.70 Page 6 Disclaimer: This report was produced by Edward Jones DOD Valuation Service. This report was calculated using EstateVal, a product of Estate Valuations 6 Pricing Systems Inc. Please review all contents for accuracy and completeness. If you have questions, please contact Edward Jones Valuation Service at 1-888-441-5475 (Revision 8.0.1) . Edward)ones CUS_OMER NAME: BRETZEL, -IRM S DESTINATION: ESTATES ACCOUNT NUMBER: 851-13043 BRANCH ##: 08515 DATE: 08(03/2012 EDWARD JONES BENEFICIARY DESIGNATION FORM An authorized representative for the Account Holder (such as a guardian, conservator, or attorney-in-fact), may not have authority to designate, change or revoke the beneficiaries of this Account without a court order, or documentation specifically granting the authority to do so. If it is determined that said authorized representative did not have the authority to designate, change or revoke the beneficiaries of this Account, then said designation, change or revocation shall be invalid. PRIMARY BENEFICIARY DESIGNATIONS: A 100.00% Name: KENNETH A BRETZEL Relationship: Non-Spouse Tax ID/SSN: On file DOB: 12/27/1948 Address: 1620 FOX HOLLOW ROAD Phone: 717-795-8039 MECHANICSBURG, PA 17055-6762 CONTINGENT BENEFICIARY DESIGNATIONS: No Contingent Beneficiary will be entitled to a distribution unless the Corresponding Primary Beneficiary predeceases the Account Holder or disclaims. A 100.00% Name: ELAINE M BRETZEL Tax ID/SSN: On file DOB: 05/30/1949 Address: 1620 FOX HOLLOW ROAD Phone: 717-795-8039 MECHANICSBURG, PA 17055-6762 END OF BENEFICIARY DESIGNATION {111111 Ililf IIIII Ifill 1111 IIIII IIIII IIIII IIIII IIIII IIIII 11111 Ills 1111111 I�IIII!IIIII IIIII IIIA IIII!Ilill IIII Ill�lll H IIII 2012080308271PI610202US Page 2 of (Rev. Aug 2011) Edwardones CL .TOMER NAME: BRETZEL IRENE S DESTINATION: ESTATES ACCOUNT NUMBER: 851-13043 BRANCH #: 08515 DATE: 081031201,2 EDWARD JONES TRANSFER ON DEATH BENEFICIARY ACKNOWLEDGEMENT FORM The undersigned Holder(s),acknowledge(s) and confirm(s) the following: 1. IlWe have been furnished with and given the opportunity to review, and retained a copy of the Edward Jones Transfer on Death Agreement, (the "Agreement"). 2. I/We have designated beneficiaries on the attached Edward Jones Beneficiary Designation Form ("Beneficiary Form'). 3. The Beneficiary(ies) indicated on the attached Beneficiary Form are eligible to receive assets under the terms of the Agreement. 4. I/We have reviewed the Beneficiary Form for accuracy, confirmed it is attached hereto and incorporate it by reference. 5. THE EDWARD JONES TRANSFER ON DEATH AGREEMENT CONTAINS BINDING ARBITRATION PROVISIONS THAT MAY BE ENFORCED BY THE PARTIES IN SECTION 4 ON PAGE 7, PARAGRAPH 3 TITLED "ARBITRATION DISCLOSURE," OF THE AGREEMENT. IRENE S BRETZEL Signature of Account Holder Account Holder's Name Date BENEFICIARY DESIGNATION FORM IS ATTACHED 2012080308271PI610102US TODAGREE Page 1 of 2 DOC NO:120803-08271 SECTOR. CODE: 001 (Rev. Aug 2011) Statement for the Period January 1,2015 to January 31,2015 ALBERT W BRETZEL CREDIT SHELTER TRUST-Trust:Under Agreemnt Account Number: JH1-744212 CLIENT 1 ST FINANCIAL Account Overview CHANGE IN ACCOUNT VALUE Current Period Year-to-Date ACCOUNT ALLOCATION BEGINNING VALUE $560,123.33 $560,12133 Cash 0.4% Additions and Withdrawals $0.00 $0.00 Income $1,471,62 $1,471.62 Taxes, Fees and Expenses $0.00 $0.00 Change in Investment Value $8,337.89 $8,337.89 ENDING VALUE(AS OF 01/31/15) $569,932.84 $569,932.84 Refer to Miscellaneous Foornoresjor more mformation an Change m Investment l'aLue, Other Fixed income Securities 99.6% INCOME Percent Prior Period Current Period TAXABLE Current Period Year-to-Dae Cash 0.4% $564.74 $2,036.36 Long-Term Capital Gain $5.96 $5.96 Money Markets 0.0 $25.13 $25.13 TOTAL TAXABLE $5.96 $5.96 Other Fixed Income Securities 99.6 $559,533.46 $567.871:35 NON-TAXABLE Cunene Period Year-to-Date TOTAL 100.0% $560,123.33 $569,932.84 Non-Taxable Dividends $1,465.66 $1,465.66 Account Affocadon jbows drperrenrage that each asset class repn-jenry of.your rota!account value. TOTAL NON-TAXABLE $1,465.66 $1,465.66 Arrount Aliocarzon for equities,fixed mrome.and orker categories may-v include mutual fund and ma-1. TOTAL INCOME $1,471.62 $1,471.62 be net ofjhort positions.NFS has made assumptions roncerning how certain mutual funds arr Taxable income is determined baldon information available to ATS at the time thr statement wasallocated. Closed-end mutual fund and Exchange Traded Funds(ETFj)listed on an exchange may p,roarryl and is sub ect to cbangr.Final information an taxation of interest andditieLend,is aradable be included in the equity allocation.Thr chart mov not reflect tour acrualporrioLio allorariom Consult on Form 10,99-Dw.which is mailed in Februar y oftAe subsequent tray your btwkerlalealer prior to making intr-qmenr decisions. Signator Investors,Inc. Account carried with National Financial Services LLC Mernler NYSE-SIPC Statement for the Period January 1,2015 to January 31,2015 ALBERT W BRETZEL CREDIT SHELTER TRUST-Trust:Under Agreemnt / �` Account Number: JH1-744212 CLIENT HJT FINANCIAL BKUNbt MMFQ tNewl/h t�t>MMtlti.M..mFmWr FRRA,♦Ir[.EipRtni�ti•itOR.tM.M tM t1f4Yit fleMF. tlI Jp11I1IMnteb FIn�1iM1 NFtntlrl, CMM tit FM,wY[W N m klrointlFM fbnr tl111hMb.rtn Je1e,F�pi�ihnnclaNFSMh Holdings NFS-provided cost basis, realized gain(loss)and holding period information may not reflect all adjustments necessary for tax purposes Please refer to Footnotes and Cost Basis Information at the end of this statement for more information CASH AND CASH EQUIVALENTS-0.36%of Total Account Value Symbol/Cusip Price on Current Estimated Description Account Type Quantity 01/31/15 Market Value Annual Income Cash NET CASH POSITION $2,036.36 Money Markets PRIME FUND CAPITAL RESERVES CLASS FPRXX 25.13 $1.00 . $25.13 7 DAY YIELD .01% CASH Dividend Option Reinvest Capital Gain Option Reinvest Total Cash and Cash Equivalents $2,061.49 HOLDINGS> MUTUAL FUNDS-99.64%of Total Account Value Symbol/Cusip Price on Current Estimated Total Unrealized Description Account Type Quantity 01/31/15 Market Vallee Annual Income Cost Basis Gain (Loss) Fixed Income FIDELITY INTER MEDIATE MUNI INCOME FLTMX 2.662.355 $10.69 $28.460.57 $76877 Estimated Yield 2.70% CASH Dividend Option Cash Capital Gain Option Cash _ FIDELITY MUNICIPAL INCOME FHIGX 5,291.196 $13.77 $72.859.77 $2,519.26 Estimated Yield 3.45% CASH Dividend Option Cash Ca itat Gain Option Cash Signator Investors,Inc. Account carried with National Financial Services 11C.Member WSE.SIPC MN _CEBBTNDDBBFVM\V\V_BBBBB 20150130 Paoe 3 of 10 Statement for the Period January 1,2015 to January 31,2015 ALBERT W BRETZEL CREDIT SHELTER TRUST-Trust:Under Agreemnt / Account Number: JH1-744212 CLIPiiiIT c S 1' j`' FINANCIAL s«vtgr Mr.rtl rtrsgh aprrw hmlrn.M..mwr8e FMu.art aP°•aY Inrram.MC.M w broArr prMr Ot Jrh11ptC9p Fr1wM:4tl Nelwar�. CMH 1q FkYncbl ql r In0+Om4�nt Am Efkltrtl M[n Jrhn NreNe#FMt�e4.t«twxk HOLDINGS>MU rUAL FUNDS cominu d Symbol/Cusip Price on Current Estimated Total Unrealized Description Account Type Quantity 01/31/15 Market Value Annual Income Cost Basis Gain{Loss} JOHN HANCOCK TAX FREE BOND CL A TAMBX 4,426.63 510.38 $45,948.42 $1,819.68 Estimated Yield 3.96% CASH Dividend Option Cash Capital Gain Option Cash T ROWE PRICE SUMMIT MUNI INTERMED PRSMX 2.159.448 $12.14 $26.215.70 $674.80 Estimated Yield 2.57% CASH Dividend Option Cash Capital Gain Option Cash _ VALUE LINE TAX EXMPF NAT"L BD PORT VLHYX 2.303.758 $10.22 $23,544.41 $620.26 Estimated Yield 2.63% CASH Dividend Option Cash Capital Gain Option Cash VANGUARD INTERMED TERM TAX EXEMPT INV VWITX 3,312.981 514.45 $47,872.58 $1,43726 Estimated Yield 3.00% CASH Dividend Option Cash Capital Gain Option Cash VANGUARD LONG TERM TAX EXEMPT INVESTOR VWLTX 6,972.92 $11.93 $83,186.94 $3,102.71 Estimated Yield 3.73% CASH Dividend Option Cash Capital Gain Option Cash VANGUARD PA LONG-TERM TAX EX INV VPA1X 3.826.812 $11.90 $45,53996 $1.629.51 Estimated Yield 3.57% CASH Dividend Option Cash Capital Gain Option Cash -- VIRTUS TAX EXEMPT 80 FUND CLASS A HXBZX 9,928.042 $11.63 $115.463.13 $3.153.11 Estimated Yield 2.73% CASH Dividend Option Cash Coital Gain Option Cash WELLS FARGO MUNI BOND FUND CL A WMFAX 1453.242 $10.57 $78.780.71 $2,159.75 Estimated Yield 2.74% CASH Dividend Option Cash Capital Gain Option Cash ToW Fixed Income $567,871.35 $17,885.11 Total Mutual Funds 5567.871.35 $17,885.11 ti Signator Investors,Inc. Account carried with National Financial Senices LLC.Member ys. Vii' NYSE.SIPC Statement for the Period January 1,2015 to January 31,2015 ... ALBERT W BRETZEL CREDIT SHELTER TRUST-Trust:Under Agreent Account Number: JH1-744212 CLIENT IST rri FINANCIAL HOLDINGS continued Price on Current Estimated Total Unrealized Quantity 01/31/15 Market Value Annual income Cost Basis Gain (Loss) Total Securities $567,871.35 $17.885.11 TOTAL PORTFOLIO VALUE S569,93Z84 $17,885.11 Activity NFS-provided cost basis,realized gain(loss)and holding period information may not reflect all adjustments necessary for tax purposes Please refer to Footnotes and Cost Basis Information at the end of this statement for mote information. INCOME>TAXABLE INCOME Settlement Account Dale Type Transaction Description Quantity Amount Long-Term Capital Gain 12/31/14 INCOME LONG CAP GAIN VIRTUS TAX EXEMPT BD FUND CLASS 55.96 A Total Long-Term Capital Gain $5.96 Total Taxable Income $516 ACTIVITY> INCOME>NON-TAXABLE INCOME Settlement Account Dale Type Transaction Description Quantity Amount Non-Taxable Dividends 12/31/14 INCOME DIVIDEND RECEIVED JOHN HANCOCK TAX FREE BOND CL A $149,70 12131/14 INCOME DIVIDEND RECEIVED T ROWE PRICE SUMMIT MUNI 557.54 INTERMED Signator Investors,Inc. Account carried witli National FinancialSer%ices LLC.Member NYSE.SIPC MN _CEBBJ\,'DDBBF_\r11 V_BB]BBB 20150130 Page 5 of 10 Statement for the Period January 1,2015 to January 31,2015 SAccoALBERT IN BRETZEL CREDIT SHELTER TRUST-Trust:Under Agreemnt T unt Number. JH1-744212 CLWr � FINANCIAL V .k/�f kYl.ttK4 FF4ftlr MMwpi., ACT[VITY>INCOME>NON-TAXABLE INCOME cowinutd Settlement Account Date Type Transaction Description Quantity Amount 12/31/14 INCOME DIVIDEND RECEIVED VALUE LINE TAX EXMPT NAT'L BD $53.24 PORT 12/31/14 INCOME DIVIDEND RECEIVED VANGUARD PA LONG-TERM TAX EX INV $136.17 12/31/14 INCOME DIVIDEND RECEIVED VANGUARD INTERMED TERM TAX $116.42 EXEMPT INV 12/31/14 INCOME DIVIDEND RECEIVED VANGUARD LONG TERM TAX EXEMPT $255.71 INVESTOR 12/31/14 INCOME DIVIDEND RECEIVED VIRTUS TAX EXEMPT BO FUND CLASS $251.60 A 12/31/14 INCOME DIVIDEND RECEIVED WELLS FARGO MUNI BOND FUND CL A $17212 01/30/15 INCOME DIVIDEND RECEIVED FIDELITY MUNICIPAL INCOME $209.87 DIVIDEND RECEIVED 01/30/15 INCOME DIVIDEND RECEIVED FIDELITY INTER MEDIATE MUNI $61.09 INCOME DIVIDEND RECEIVED Total Non-Taxable Dividends $1.465.66 Total Non-Taxable Income 51,465.66 I TOTAL INCOME 51,471.62 Signator Investors,Inc. Y Account carried nidi National Financial Semites LLC Member ` ( NYSE.SIPC � 4 Statement for the Period January 1,2015 to January 31,2015 ALBERT W BRETZEL CREDIT SHELTER TRUST-Trust:Under Agreemnt IVI CLMqT � Account Number: JH1-744212 FINANCIAL Mai1nH alM1n9ltratRA tgn+R wnRat. f fiMnbrt FMI1A ft e/JOT Nentep 0,�c1W NMwpr.C CMM IOt M�1[i11 M Y,inaewnMm Mm lllMfgrM wM1h Jb'+MaKOtO f k1�cN N�Mr� Footnotes and Cost Basis Information Amortization,accretion and similar adjustments to cost basis have been provided for many fixed income securities(and some bond-like equities), however,they are not provided for certain types, such as short-term instruments,Unit Investment Trusts,foreign fared income securities,or those that am subject to early prepayment of principal(pay downs). Where current year premium or acquisition premium amortization is provided,the prior years'cumulative amortization is reflected in the adjusted cost basis.but we cannot provide a breakdown or the total of such prior amortization amounts NFS is required to report certain cost basis and related information to the IRS on the Form 1099-B Your official 1099.8 forms for certain transactions will reflect which lots have been sold for tax purposes To apply a specific identification cost basis method to 1099.8 reporting,appropriate instructions must be on file with NFS or be received by NFS before the trade has settled. Absent such instructions, NFS determines cost basis at the time of sale based on its default methods of average cost for open-end mutual funds and first-in,first-out(FIFO)for all other securities(including ETFs)unless your broker deater has elected to use another default method. NFS applies FIFO(or other disposal method,if applicable)based on its records,which may be different from yours. For transactions that are not subject to 1099-8 cost basis reporting,you should refer to your trade confirmations and other applicable records to determine which lots were considered sold for tax purposes While NFS must meet IRS requirements with respect to certain information required to be reported to the IRS.NFS-provided cost basis,realized gain and loss,and holding period information may not reflect all adjustments necessary for your tax reporting purposes NFS makes no warranties with respect to and specifically disclaims any liability arising out of a customer's use of,or any tax position taken in reliance upon, such information. For investments in partnerships.NFS does not make any adjustments to cost basis information as the calculation of basis in such investments requires supplemental Information from the partnership on its income and distributions during the period you held your investment Partnerships usually provide this additional information on a Form K-t issued by April 151h of the following year Consult your tax advisor for further information. Miscellaneous Footnotes CHANGE IN VALUE OF YOUR PORTFOLIO is the change in market value of your portfolio assets over the time period shown The portfolio assets include the market value of all the securities in the account,plus insurance and annuity assets if applicable The time frame of the graph is from account opening or September 2011,whichever is later,to the current period Please note that large increases and/or declines in the change in the value of the portfolio can be due to additions.distribution and/or performance CHANGE IN INVESTMENT VALUE is the difference between the prior period and current period values which includes the difference between securities that were bought,sold and redeemed during this time period as well as any activity that occurred such as additions and withdrawals,securities transferred,income,expenses,and other activity. This does not reflect activity related 10 assets in which National Financial is not the custodian(e.g. Insurance and Annuities,Assets Held Away and Other Assets Held Away) CALLABLE SECURITIES LOTTERY-When street name or bearer securities held for you are subject to a partial call or partial redemption by the issuer, NFS may or may not receive an allocation of called/redeemed securities by the issuer,transfer agent and/or depository. If NFS is allocated a portion of the called/redeemed securities. NFS utilizes an impartial lottery allocation system, in accordance with applicable rules.that randomly selects the securities within customer accounts that will be called/redeemed NFS'allocations are not made on a pro rala basis and it is possible for you to receive a full or partial allocation,or no allocation You have the right to withdraw uncalled fully paid securities at any time prior to the cutoff date and time established by the issuer,transfer agent and/or depository with respect to the partial call,and also to withdraw excess margin securities provided your account is not subject to restriction under Regulation T or such withdrawal will not cause an undermargined condition Signator Investors,Inc. Account carried with national Financial Seniccs LLC.Member \l`SE.SI PC MN _CEBBJNDDBBFVMNX7'_BBBBB 20150130 Pape 7 of to Statement for the Period January 1,2015 to January 31,2015 ALBERT W BRETZEL CREDIT SHELTER TRUST-Trust:Under Agreemnt / Account_Number: JH1-744212 CLM�T 1ST ✓ FINANCIAL Miscellaneous Footnotes PRICING INFORMATION-Prices displayed are obtained from sources that may include pricing vendors,broker/dealers who clear through NFS and/or other sources Prices may not reflect current fair market value and/or may not be readily marketable or redeemable at the prices shown FOREIGN D(CMANGE TRANSACTIONS-Some transaction types necessitate a foreign currency exchange(FX)in order to settle.FX transactions may be effected by Fidelity Forex, Inc.on a principal basis Fidelity Forex,Inc.,an affiliate of NFS,may impose a commission or markup on the prevailing interbank market price,which may result in a higher price to you. Fidelity Forex.Inc.may share a portion of any FX commission or markup with NFS. More favorable rates may be available through third parties not affiliated with NFS The rate applicable to any transaction involving an FX is available upon request through your broker-dealer. COST BASIS LEGISLATION-New IRS Rules will require National Financial Services to report cost basis and holding period information for the sale of shares of open end Mutual Fund holdings purchased on or after January 1,2012 on Form 1099.8. National Financial Services determines the cost basis for all shares of open end mutual funds using a default method of average cost, Alternatively,account owners or their brokers and advisors can instruct National Financial Services to determine the cost basis for shares of open end mutual funds by I setting up their non-retirement accounts with one of our eleven tax lot disposal methods available to investors or 2)identifying specific tax lots to sell at the time of a transaction. Contact your broker or advisor to learn more about the cost basis tracking of your holdings. �. Signator Investors,Inc. pzl, Account carried with National Financial Services LLC.Mcmbtr NYSE.SIPC PARD R aLOSSARY Short Account Balances-It you have sold securities under the short sale rule.we have.in closely reflect the value at which the security may be sold or purchased based on various market factors, ccordance with regulations.segregated the proceeds from such transactions in your Short Account.Any Investment decisions should be made only after consulting your broker-dealer. Estimated Yield("EY") and iarket increases or decreases from the original sale price will be marked to the market and will be transferred Estimated Annual Income("EAi"}When available,the coupon rate of some fixed income securities is )your Margin Account on a weekly basis. Market Value-The Total Market Value has been calculated out to divided by the current market value of the fixed income security to create the EY figure andtor the curreni decimal places,however.the individual unit price is displayed in 5 decimal places.The Total Market Value interest rate or most recently declared dividends for certain securities are annualized to create the EAI figure. ?presents prices obtained from various sources,may be impacted by the frequency in which such prices are EAt and EY are estimates,and the income and yield might by lower or higher.Estimates may include return of ?parted and such prices are not guaranteed.Prices received from pricing vendors are generally based on principal or capital gains,which would render them overstated.in addition.EAI is calculated for positions or urrent market quotes,but when such quotes are not available the pricing vendors use a variety of techniques accounts where dividends are reinvested and not paid as income.EY reflects only the income generated by an )estimate value.These estimates,particularly for fixed income securities,may be based on certain investment:not changes in prices which fluctuate.These figures are based on mathematical calculations of iinimum principal amounts(e.g.$1 million)and may not reflect all of the factors that affect the value of the available data,and have been obtained from information providers believed to be reliable.but no assurance acurity,including liquidity risk.The prices provided are not firm bids or offers.Certain securities may reflect can be made as to accuracy.Since the interest and dividend rates are subject to change at any time.and may q/A"or"unavailable"where the price for such security is generally not available from a pricing source.The be affected by current and future economic,political and business conditions.they should not be relied on for larkel Value of a security,including those priced at par value,may differ from its purchase price and may not making investment,trading decisions.or tax decisions. :USTOMER SERVICE:Please review your statement and report any discrepancies immediately.inquiries or 12b-1 fees described in the prospectus as well as additional compensation,paid by the funds.their investment )ncerns regarding your brokerage account or the activity therein should be directed to your broker-dealer at the advisors or affiliates.Additional information about the source(s)and amount(s)of compensation as well as other ilephone number and address reflected on the front of this statement and National Financial Services LLC remuneration received by your introducing broker dealer andtor NFS will be furnished to you upon written request. NFS")who carries your brokerage account and acts as your custodian for funds and securities that are Al time of purchase fund shares may be assigned a load.transaction fee or no transaction tee status.At time of aposited with NFS by you or your broker-deafer.or as a result of transactions NFS processes for your account. sale,any fees applicable to your transaction will be assessed based on the status assigned to the shares at time ay also be contacted tot statement discrepancies.NFS may be called at (800)801.9942. Any oral of purchase. Margin. It you have applied for margin privileges and been approved,you may borrow money 3mmunications regarding inaccuracies or discrepancies should be reconfirmed in writing to protect your rights. from NFS in exchange for pledging the assets in your account as collateral for any outstanding margin loan.The cluding those under the Securities Investor Protection Act("SIPA").When contacting either NFS or your amount you may borrow is based on the value of securities in your margin account,which is identified on your oker-dealer,remember to include your entire brokerage account number to ensure a prompt reply.Please notify statement.If you have a margin account,this is a combined statement of your margin account and special e service center or your broker-dealet promptly in writing of any change of address. memorandum account other than your non-purpose margin accounts maintained for you under Section 220.5 of DDITIONAL INFORMATION Customer free credit balances are not segregated and maybe used in Regulation T issued by the Board of Governors of the Federal Reserve Board.The permanent record of the FS'business in accordance with federal securities laws.You have the right to receive.subject to open separate account.as required by Regulation T,is available lot your inspection upon request. NYSE and )mmitments in any of your brokerage accounts,any free credit balances to which you are entitled.Interest on FINRA.All transactions are subject to the constitution,rules.regulations,customs,usages,rulings and ae credit balances awaiting reinvestment may be paid out at rates that may vary with current short-term money interpretations of the exchange market and its clearing house.if any.where the transactions are executed.and of arket rates and/or your brokerage account balances.set at the discretion of your broker-dealer and/or NFS.it the New York Stock Exchange(NYSE)and of the Financial Industry Regulatory Authority("FINRA").The FINRA )ur tree credit balance is automatically transferred to a money market fund or to an FDIC insured bank account requires that we notify you in writing of the availability of an investor brochure that includes information describing w use as your brokerage account's core position,you can liquidate the shares of the money market fund or bank FiNRA Regulation's BrokerCheck Program("Program-).To obtain a brochure or more information about the ilances at any time and have the proceeds remitted to you or held in your brokerage account subject to the Program or FINRA Regulation,contact the FiNRA Regulation BrokerCheck Program Hotline at(800)299-9999 or rms and conditions of your account agreement. access the FINRA's web site of www.finra,org. FfNRA Rufe 4311 requires that your broker-dealer and NFS redit Adjustment Program. Accountholders receiving payments in lieu of qualified dividends may not be allocate between them certain functions regarding the administration of your brokerage account.The following is igible to receive credit adjustments intended to help cover additional associated federal tax burdens. NFS a summary of the allocation services performed by your broker-dealer and NFS.A more complete description is serves the right to deny the adjustment to any accountholder and to amend or terminate the credit adjustment available upon request. Your broker-deafer is responsible for: (1)obtaining and verifying brokerage ogram, account information and documentation.(2)opening,approving and monitoring your brokerage account,(3) ptions Customers.Each transaction confirmation previously delivered to you contains full information about transmitting timely and accurate orders and other instructions to NFS with respect to your brokerage account.(4) ,mmissions and other charges.It you require further information,please contact your broker-dealer. determining the suitability of investment recommendations and advice.(5)operating.and supervising your ;signments of American and European-style options are allocated among customer short positions pursuant to brokerage account and its own activities in compliance with applicable laws and regulations including compliance random allocation procedure,a description of which is available upon request. Short positions in with margin rules pertaining to your margin account,it applicable,and(6)maintaining required books and records nerican-style options are liable for assignment at any time. The writer of a European-style option is subject to for the services that it performs: NFS shall,at the direction of your broker-dealer: (1)execute.clear and ercise assignment only during the exercise period.You should advise your broker-dealer promptly of any settle transactions processed through NFS by your broker-Beater,(2)prepare and send transaction confirmations 3lerial change in your investment objectives or financial situation. Splits,Dividends,and Interest. Expected and periodic statements of your brokerage account(unless your broker-dealer has undertaken to do so).Certain )ck split,next dividend payable.and next interest payable information has been provided by third parties and securities pricing and descriptive information may be provided by your broker-dealer or oblained from third parties ay be subject to change.Information for certain securities may be missing if not received from third parties in deemed to be reliable.however.this information has not been verified by NFS.(3)act as custodian for funds and ie for printing.NFS is not responsible for inaccurate,incomplete,or missing information.Please consult your securities received by NFS on your behalf,(4)follow the instructions of your broker-dealer with respect to aker-dealer for more information about expected stock split,next dividend payable.and next interest payable for transactions and the receipt and delivery of funds and securities for your brokerage accounl.and(5)extend Main securities. margin credit for purchasing or carrying securities on margin.Your broker-dealer is responsible for ensuring that fully Dividend Reinvestment Customers. Shares credited to your brokerage account resulted from your brokerage account is in compliance with federal.industry and NFS margin rules,and for advising you of insactions effected as agent by either:1)Your broker-dealer for your investment account,or 2)through the margin requirements.NFS shall maintain the required books and records for the services it performs. Securities apository Trust Company(DTC)dividend reinvestment program.For broker-dealer effected transactions.the in accounts carried by NFS are protected in accordance with the Securities Investor Protection Corporation )e of the transactions,the exchange upon which these transactions occurred and the name of the person from ("SIPC")up to$500.000. The$500.000 total amount of SIPC protection is inclusive of up to$250.000 protection tom the security was purchased will be furnished upon written request.NFS may have acted as market maker for claims for cash.subject to periodic adjustments for inflation in accordance with terms of the SIPC statute and effecting trades in'over-the-counter'securities. approval by SIPC's Board of Directors. NFS also has arranged tot coverage above these limits.Neither coverage direment Contributions/Distributions. A summary of retirement contributions/distributions is displayed for protects against a decline in the market value of securities,nor does either coverage extend to certain securities u in the activity summary section of your statement. Income Reporting.NFS reports earnings from that are considered ineligible for coverage.For more details on SiPC.or to request a SIPC brochure.visil ,estments in Traditional IRAs,Rollover IRAs.SEP-IRAs and.Keoghs as tax-deferred income.Earnings from www,sipc.org or call 1-202.371-6300.Funds used to purchase or sweep to a bank deposit are SIPC protected )th IRAs are reported as tax-tree income.since distributions may be tax-free after meeting the 5 year aging until deposited to a Program Bank at which time funds may be eligible tot FDIC insurance.Assets Held Away, tuirement and certain other conditions. A financial statement of NFS is available for your personal commodities,unregistered investment contracts.futures accounts,loaned securities and other investments may :pection at its office or a copy of it will be mailed to.you upon your written request. not be covered.Precious metals are not covered by SIPC protection.Mutual funds and/or other securities are not atement Mailing. NFS will deliver statements by mail or.it applicable,notify you by e-mail of your statement's backed or guaranteed by any bank,nor are they insured by the FDIC and involve investment risk including ailabifity.it you had transactions that affected your cash balances or security positions held in your account(s) possible loss of principal. ring the last monthly reporting period.At a minimum.all brokerage customers will receive quarterly statements End of Statement 100924 least four times per calendar year)as long as their accounts contain a cash or securities balance. ads and Fees.in connection with access to.purchase of,andtor maintenance of positions in mutual funds and jet investment products("funds'),your introducing broker dealer and/or NFS may receive the salesloads and Signator investors,Inc. Account carried with National Financial Senices LLC,Member NYSE.SiPC MN _CEBBJNDI)BBFt!M`\T7V_BBBBB 20150130 Paoe 9 of 10 Estate Valuation Date of Death: 02/24/2015 Estate of: Bretzel Valuation Date: 02/24/2015 Account: 476-085430 Processing Date: 03/27/2015 Report Type: Date of Death Number of Securities: 25 File ID: DOD report - Irene Bretzel Shares Security Mean and/or Div and Int Security or Par Description High/Ask Low/Bid Adjustments Accruals Value 1) 20000 ADAMS CNTY PA INDL DEV AUTH RE (006116BJ5) Interactive Data Corporation DTD: 06/23/2010 Mat: 08/15/2027 4.58 02/24/2015 110.26700 Mkt 110.267000 22,053.40 Int: 02/15/2015 to 02/24/2015 22.50 2) 15000 ALLEGHENY CNTY PA SAN AUTH SWR (017357VH4) Interactive Data Corporation DTD: 05/18/2005 Mat: 12/01/2030 5% 02/24/2015 102.91500 Mkt 102.915000 15,437.25 Int: 12/01/2014 to 02/24/2015 172.92 3) 25000 CHESTER CNTY PA HEALTH & ED FA (16557HDD4) Interactive Data Corporation DTD: 07/29/2010 Mat: 05/15/2031 5% 02/24/2015 112.98800 Mkt 112.988000 28,247.00 Int: 11/15/2014 to 02/24/2015 343.75 4) 20000 DAUPHIN CNTY PA GEN AUTH HEALT (23825ECL6) Interactive Data Corporation DTD: 06/24/2009 Mat: 06/01/2036 6% 02/24/2015 117.10500 Mkt 117.105000 23,421.00 Int: 12/01/2014 to 02/24/2015 276.67 5) 25000 EAST STROUDSBURG PA AREA SCH D (275380K85) Interactive Data Corporation DTD: 08/15/2007 Mat: 09/01/2026 5% 02/24/2015 108.80100 Mkt 108.801000 27,200.25 Int: 09/01/2014 to 02/24/2015 600.69 6) 15000 GEISINGER AUTH PA HEALTH SYS R (368497FS7) Interactive Data Corporation DTD: 06/04/2009 Mat: 06/01/2034 5.125% 02/24/2015 112.39600 Mkt 112.396000 16,859.40 Int: 12/01/2014 to 02/24/2015 177.24 7) 10000 MASSACHUSETTS EDL FING AUTH ED (57563RJR1) Interactive Data Corporation DTD: 07/13/2011 Mat: 07/01/2029 5.625% 02/24/2015 112.17300 Mkt 112.173000 11,217.30 Int: 01/01/2015 to 02/24/2015 82.81 8) 50000 METROPOLITAN PIER & EXPOSITION (592247M98) Interactive Data Corporation DTD: 07/02/2002 Mat: 06/15/2019 0% 02/24/2015 109.65300 Mkt 109.653000 54,826.50 9) 10000 MIAMI-DADE CNTY FLA PROFESSION (59333HBU9) Interactive Data Corporation DTD: 07/14/2009 Mat: 10/01/2023 5% 02/24/2015 116.15800 Mkt 116.158000 11,615.80 Int: 10/01/2014 t0 02/24/2015 198.61 10) 10000 MIAMI-DADE CNTY FLA PUB SVC TA (59334CDY9) Interactive Data Corporation DTD: 08/30/2007 Mat: 04/01/2032 4.75$ 02/24/2015 104.66600 Mkt 104.666000 10,466.60 Int: 10/01/2014 to 02/24/2015 188.68 Page 1 This report was produced with EstateVal, a product of Estate Valuations & Pricing Systems, Inc. If you have questions, please contact EVP Systems at (818) 313-6300 or www.evpsys.com. (Revision 7.3.1) Date of Death: 02/24/2015 Estate of: Bretzel Valuation Date: 02/24/2015 Account: 476-085430 Processing Date: 03/27/2015 Report Type: Date of Death Number of Securities: 25 File ID: DOD report - Irene Bretzel Shares Security Mean and/or Div and Int Security or Par Description High/Ask Low/Bid Adjustments Accruals Value 11) 10000 MIAMI-DADE CNTY FLA TRAN SYS S (59334PSY2) Interactive Data Corporation DTD: 06/24/2008 Mat: 07/01/2029 4.75% 02/24/2015 109.90700 Mkt 109.907000 10,990.70 Int: 01/01/2015 to 02/24/2015 69.93 12) 15000 MISSOURI ST ENVIRONMENTAL IMPT (60636PVE7) Interactive Data Corporation DTD: 11/30/2005 Mat: 07/01/2027 4.6& 02/24/2015 103.21700 Mkt 103.217000 15,482.55 Int: 01/01/2015 to 02/24/2015 101.58 13) 30000 NEW JERSEY ST TRANSN TR FD AUT (646136PZ8) Interactive Data Corporation DTD: 09/27/2007 Mat: 12/15/2026 5% 02/24/2015 109.07000 Mkt 109.070000 32,721.00 Int: 12/15/2014 to 02/24/2015 287.50 14) 20000 OREGON ST HSG & CMNTY SVCS DEP (68608EJG8) Interactive Data Corporation DTD: 08/25/2010 Mat: 01/01/2023 4.45% 02/24/2015 107.65800 Mkt 107.658000 21,531.60 Int: 01/01/2015 to 02/24/2015 131.03 15) 20000 PENNSYLVANIA ST (70914PGB2) Interactive Data Corporation DTD: 06/05/2008 Mat: 05/15/2028 4.375 02/24/2015 107.55500 Mkt 107.555000 21,511.00 Int: 11/15/2014 to 02/24/2015 240.63 16) 25000 PA ST HIGHER ED FACS AUTH ST S (709165AT1) Interactive Data Corporation DTD: 07/01/2006 Mat: 06/15/2026 5% 02/24/2015 105.33900 Mkt 105.339000 26,334.75 Int: 12/15/2014 to 02/24/2015 239.58 17) 95000 PENNSYLVANIA ST HIGHER EDL FAC (70917RYX7) Interactive Data Corporation DTD: 03/24/2010 Mat: 05/15/2031 5% 02/24/2015 112.72600 Mkt 112.726000 107,089.70 Int: 11/15/2014 to 02/24/2015 1,306.25 18) 50000 PENNSYLVANIA ST TPK COMMN TPK (709223SB8) Interactive Data Corporation DTD: 04/29/2008 Mat: 06/01/2027 5% 02/24/2015 110.28900 Mkt 110.289000 55,144.50 Int: 12/01/2014 to 02/24/2015 576.39 19) 20000 PENNSYLVANIA ST TPK COMMN TPK (709223SG7) Interactive Data Corporation DTD: 04/29/2008 Mat: 06/01/2033 5t 02/24/2015 109.35600 Mkt 109.356000 21,871.20 Int: 12/01/2014 to 02/24/2015 230.56 20) 25000 PENNSYLVANIA ST UNIV (709235SB2) Interactive Data Corporation DTD: 04/10/2008 Mat: 08/15/2027 5% 02/24/2015 109.96500 Mkt 109.965000 27,491.25 Int: 02/15/2015 to 02/24/2015 31.25 Page 2 This report was produced with EstateVal, a product of Estate Valuations & Pricing Systems, Inc. If you have questions, please contact EVP Systems at (818) 313-6300 or www.evpsys.com. (Revision 7.3.1) Date of Death: 02/24/2015 Estate of: Bretzel Valuation Date: 02/24/2015 Account: 476-085430 Processing Date: 03/27/2015 Report Type: Date of Death Number of Securities: 25 File ID: DOD report - Irene Bretzel Shares Security Mean and/or Div and Int Security or Par Description High/Ask Low/Bid Adjustments Accruals Value 21) 25000 PHILADELPHIA PA AUTH FOR INDL (717818W20) Interactive Data Corporation DTD: 12/14/2006 Mat: 12/01/2031 4.45% 02/24/2015 104.48200 Mkt 104.492000 26,120.50 Int: 12/01/2014 to 02/24/2015 256.49 22) 85000 PHILADELPHIA PA WTR & WASTEWTR (717893ST9) Interactive Data Corporation DTD: 05/09/2007 Mat: 11/01/2031 4.75% 02/24/2015 105.60300 Mkt 105.603000 89,762.55 Int: 11/01/2014 to 02/24/2015 1,267.33 23) 15000 SOUTHCENTRAL PA GEN AUTH REV (84129NJA8) Interactive Data Corporation DTD: 11/12/2008 Mat: 06/01/2029 6% 02/24/2015 115.99600 Mkt 115.996000 17,399.40 Int: 12/01/2014 to 02/24/2015 207.50 24) 25000 STATE PUB SCH BLDG AUTH PA LEA (85732GBN9) Interactive Data Corporation DTD: 01/01/2007 Mat: 04/01/2029 5% 02/24/2015 107.66200 Mkt 107.662000 26,915.50 Int: 10/01/2014 to 02/24/2015 496.53 25) 25000 UNIV PITTSBURGH OF THE COMWLTH (91335VHP4) Interactive Data Corporation DTD: 03/31/2009 Mat: 09/15/2031 5% 02/24/2015 112.65300 Mkt 112.653000 28,163.25 Int: 09/15/2014 to 02/24/2015 552.08 Total Value: $749,873.95 Total Accrual: $8,058.50 Total: $757,932.45 Page 3 This report was produced with EstateVal, a product of Estate Valuations & Pricing Systems, Inc. If you have questions, please contact EVP Systems at (818) 313-6300 or www.evpsys.com. (Revision 7.3.1) J Allianz Life Insurance Company of North America Allianz PO Box 59060 Minneapolis,MN 55459-0060 800.950.1962 ANNUITY OPTION AGREEMENT Policy/Contract Number. 5552705 Today's Date: May 1,2014 Annuitant Name: IRENE BRETZEL Owner Name: IRENE BRETZEL Settlement Effective Date: May 1,2014 Option Chosen: Installments for a Guaranteed Period Original Amount of Proceeds: $170,059.64 Payment Mode: Quarterly Payment Amount: $2,745.01 First Payment Date: May 01,2014 Guaranteed period: 20 YEARS Final Payment Date: February1,2034 Number of payments: 80 Beneficiaries KENNETH BRETZEL CHILD 50.00% ELAINE BRETZEL OTHER 50.00% EQUALLY OR TO THE SURVIVOR Under the provisions of your policy/contract,you have chosen the above-described annuity option. Each installment will consist of part principal and part interest. It is understood that election of this annuity option waives all rights to submit premium or make additional withdrawals. No further adjustment in interest will be made. Except for the Company's obligations with respect to payment pursuant to the annuity option selected by you,all other provisions of the policy/contract terminate once payment begins. The mode of payment is fixed and cannot be changed. With the election of this annuity option,quarterly and/or annual statements will no longer generate. The selection of this annuity option is irreversible and unassignable. Should the annuitant die before the final payment date,any remaining installments will be paid in the same manner as previously elected to the beneficiary(ies) listed or as amended. Gretchen Cepek Walter R.White Secretary President and CEO 81022 Rev.05/27/10 Allianz Life Insurance Company ��ar1Z of North America PO Box 59060 Minneapolis, MN 55459-0060 2014 Annual.Contract Statement 800.950.1962 for your Accumulator Buffet 10 Annuity We are pleased to provide this annual statement #BWBBFYY for your Accumulator Buffet 10 Annuity.Your IRENE BRETZEL contract values as of your contract anniversary 5225 WILSON LN date are shown below.These values are based on APT#315 your prior contract year.You may now access MECHANICSBURG PA 17055-6663 information regarding contract values,withdrawals and available forms at www.allianzlife.com. II'IIIIIIIIIII1111111Jill 11111111111111111111111 Annuitant Contract date Contract number Plan type IRENE BRETZEL 04/20/1998 5552705 Non-Qualified Detail for contract year beginning 04/20/2013 and ending 04/19/2014 Annuitization Value The Annuitization Value is the greater value that is received when a qualifying annuity option is selected. Beginning Annuitization Value $164,957.34 The Annuitization Value is equal to 100%of premium Interest Earned $4,948.77 paid,plus any premium credits and interest earned, Current Interest Rate 3.00% minus any reductions caused by applicable charges or Ending Annuitization Value $169,906.11 withdrawals you take.The Annuitization Value is available only if you wait until the second contract year and then take annuity payments either for a period of at least ten years or for the life of the annuitant. Please refer to your contract for more specific information on how to receive the highest value possible. Cash Value The Cash Value is the amount available to you should you select a lump-sum payment from your contract. Beginning Cash Value $136,451.05 The Cash Value is equal to no less than 80%of premium Ending Cash Value $140,544.63 paid, plus any premium credits, minus any reductions caused by withdrawals you take, all accumulated at no less than 3%interest compounded annually.The Cash Value does not include any of the interest that is credited to the Annuitization Value. Death Benefit If the beneficiary elects to receive the Death Benefit as annuity payments under a qualifying settlement option,the Death Benefit is equal to the Annuitization Value.Otherwise,the Death Benefit is equal to the Cash Value. Are your beneficiaries up-ta-date?You can change them anytime by completing the Request to,Transfer Ownership and/or Change Beneficiaties form.Find the:formonline at:allianzlife.corn or.callus._, The Allianz Service Center can be reached at 800.950.1962 between the hours o17am and 6pm Monday through Thursday, and 7am to 5pm on Friday,Central Time.To better assist you,please have your contract number available when you call. 39561 Page 1 of 1 003016100118/ 00071 1417 UNI10300000Otd7 75704001 70771 OtlRI/1t Pt