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HomeMy WebLinkAbout08-19-15 i 1 Pennsylvania 1505618627 3M464710,000 J OEP/Ji1MENT OP REVENUE Ix(03.14)ITP) REV-1500 OFFICIAL USE ONLY Bureau of Individual Taxes County Code Year File Number PO BOX 280601 INHERITANCE TAX RETURN 21 14 0206 Harrisburg,PA 1712M601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY 02052014 . 10181943 Decedent's Last Name Suffix Decedent's First Name MI MCLAREN JANICE L (If Applicable) Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name MI THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW E1. Original Return F7 2. Supplemental Return 3. Remainder Return(date of death prior to 12-13-82) El4.Agriculture Exemption(date of F� 5. Future Interest Compromise(date of 6. Federal Estate Tax Return Required death on or after 7-1-2012) death after 12-12-82) 7. Decedent Died Testate 8. Decedent Maintained a Living Trust 0 9. Total Number of Safe Deposit Boxes (Attach copy of will.) (Attach copy of trust.) El 10. Litigation Proceeds Received E� 11. Non-Probate Transferee Return F-1 12. Deferral/Election of Spousal Trusts (Schedule F and G Assets Only) 17 13.Business Assets 14. Spouse is Sole Beneficiary (No trust involved) CORRESPONDENT-THIS SECTION MUSTBE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: Name Daytime Telephone Number ELIZABETH P• MULLAUGH 717-237-5243 First Line of Address 100 PINE STREET Second Line of Address PO BOX 1166 City or Post Office State ZIP Code HARRISBURG PA 171081166 Correspondent's email address: E M U L L A U G H a M W N - C 0 M r.7 C= REGISTER OF WILLCS-USEJONLY J 171 n ('[J REGISTER OF WILLS USE ONLY <., DATE FILED MMDDYYYY �. C.0 :n7 ti '7 C: ­0 DATEFILED+STAMP `.t "� 71 -ti PLEASE USE ORIGINAL FORM ONLY Side 1 VIII VIII VIII VIII I III VIII Iilll VIII IIID ILII III IIII 1505618627 1505618627 1505618635 REV-1500 EX(TP) Decedent's Social Security Number Decedent's Name:MCLAREN JANICE L RECAPITULATION 1. Real Estate(Schedule A) . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1. 18 7,0 0 0. 0 0 2. Stocks and Bonds(Schedule B), , , , , , , , , , , , , , , , , , , , , , , , 2. 0 .00 3. Closely Held Corporation,Partnership or Sole-Proprietorship(Schedule C), , , , , 3, 0.00 4. Mortgages and Notes Receivable(Schedule D). . . . . . . . . . . . . . . . . . 4, 0.00 5. Cash, Bank Deposits and Miscellaneous Personal Property(Schedule E), , , , , , 5. 8,561-26 6. Jointly Owned Property(Schedule F) ❑ Separate Billing Requested. . . . . 6. 10-29 7. Inter-Vivos Transfers&Miscellaneous Non-Probate Property (Schedule G) ❑ Separate Billing Requested, . . . . 7. 3 6 5,7 4 3-9 4 8. Total Gross Assets(total Lines 1 through 7) , , , , , , , , , , , , , , , , , , 8. 561,315- 49 9. Funeral Expenses and Administrative Costs(Schedule H). . . . . . . . . . . . . 9. 2?,16 4 - 50 10. Debts of Decedent, Mortgage Liabilities and Liens(Schedule 1). . . . . . . . . . 10. 16?1553.2 5 11. Total Deductions(total Lines 9 and 10). . . . . . . . . . . . . . . . . . . . . 11. 194-,?l?-?5 12. Net Value of Estate(Line 8 minus Line 11) , , , . . , , , , , , , , , , , . 12. 366-,59?- ?4 13. Charitable and Governmental Bequests/Sec.9113 Trusts for which an election to tax has not been made(Schedule J), , , , , , , , , , , , , , , , 13, 0.00 14. Net Value Subject to Tax(Line 12 minus Line 13). . . . . . . . . . . . . . . . 14. 3 6 6,5 9 7.7 4 TAX CALCULATION-SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate,or transfers ur4er Sec.9116 (a)(1.2)X.pU 0 .00 15. 0.00 16. Amount of Line4?xable at lineal rate X 366,59?-?5 16. 161496. 90 17. Amount of Line 14 taxable at sibling rate X.12 0.00 17. 0.00 18. Amount of Line 14 taxable at collateral rate X.15 0.00 18. 0.00 19. TAX DUE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19. 16-,496- 90 20. FILL IN THE BOX IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT ❑ Under penalties of perju ,! clave that I have examined this return,including accompanying schedules and statements,and to the best of my knowledge and belief, it is true, correct and ate. Declaration of prepare, ther the he person responsible for filling the return is based on all information of which preparer has any knowledg SIGNA N RES IBLE OR FI NG ETU N D T AlffE SEE-"ATTACHED SIGNATU OTHER THAN PERSON RESPONSIBLE FOR FILING THE RETURN lv AD PO BOX 1166 HARRISBURG, PA 17108-1166 Side 2 15� 6 1505618635 3M464810.000 Estate of Janice L. McLaren Executors (Page 1) Name Chris Chwastyk Address 1244 Jackson Street, NE Washington, DC 20017- Tax ID - - Name Devin Chwastyk Address 911 N. Front Street, #201 Harrisburg, PA 17102- Tax ID - - REV-1500 EX(TP) Page 3 File Number Decedent's Complete Address: 21 14 0206 DECEDENTS NAME MCLAREN JANICE L STREET ADDRESS CUMBERLAND Y CITY STATE ZIP MECHANICSBURG PA Tax Payments and Credits: 1. Tax Due(Page 2,Line 19) (1) 16,496 - 90 2. Credits/Payments A. Prior Payments 0 . 00 B.Discount 0 . 00 (See instructions.) Total Credits(A+B) (2) 0.00 3. Interest (3) 362 - 54 4. If Line 2 is greater than Line 1 +Line 3,enter the difference.This is the OVERPAYMENT. Fill in oval on Page 2,Line 20 to request a refund. (4) 0 .00 5. If Line 1 + Line 3 is greater than Line 2,enter the difference.This is the TAX DUE. (5) 16,8 5 9• 4 4 Make check payable to: REGISTER OF WILLS, AGENT. PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: Yes No a. retain the use or income of the property transferred . . . . . . . . . . . . . . . . . . . . . . . . . . . b. retain the right to designate who shall use the property transferred or its income . . . . . . . . . . . . . . ❑ c. retain a reversionary interest . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ❑❑ d. receive the promise for life of either payments,benefits or care? . . . . . . . . . . . . . . . . . . . . . 2. If death occurred after Dec. 12, 1982,did decedent transfer property within one year of death without receiving adequate consideration? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . © O 3. Did decedent own an"in trust for"or payable-upon-death bank account or security at his or her death? . . . . 4. Did decedent own an individual retirement account,annuity,or other non-probate property,which contains a beneficiary designation? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 ❑ 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 decedent's lineal beneficiaries is 4.5 percent,except as noted in[72 P.S.§9116(a)(1)]. • The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is 12 percent [72 P.S.§9116(a)(1.3)].A sibling is defined, under Section 9102,as an individual who has at least one parent in common with the decedent,whether by blood or adoption. 3M4671 4.000 REV-1502 EX+1,2.,2, SCHEDULE A pennsylvania OEPARTMENf OF REVENUE INHERITANCE TAX RETURN REAL ESTATE RESIDEW DECEDENT ESTATE OF: FILE NUMBER: Janice McLaren 21 140206 All real property owned solely or as a tenant In common must be reported at fair market value.Fair market value Is defined as the price at which property would be exchanged between a willing buyer and a willing seller,neither being compelled to buy or sell,both having reasonable knowledge of the relevant facts. Real property that Is)olntlyowned with right of survivorship must be disclosed on Schedule F. Attach a copy of the settlement sheet if the property has been sold. ITEM Include a copy of the deed showing decedent's interest if awned as tenant In common. VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. Real Estate located at 6 Keswick Drive, Mechanicsburg, Silver Spring Township, Cumberland County, Pennsylvania 187,000.00 Valued per sale; See attached copy of settlement statement TOTAL (Also enter on Line 1,Recapitulation.) $ 187,000.00 2w48e5 2.000 If more space is needed,use additional sheets of paper of the same size. REV-1508 EX+(0812) pennsylvania SCHEDULE E DEPARTMENTOF REVENUE CASH, BANK DEPOSITS & MISC. INHSEDENTDECEDENTTURN RITANCE TAX RE R PERSONAL PROPERTY ESTATE OF: FILE NUMBER: Janice McLaren 21 140206 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointlyowned with right of survivorship must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. January 2014 Social Securty Check; Check was directly deposited after decedent's death and returned, however the decedent was entitled to the payment since she lived until February 1, 2014. 1,455.00 2 Integrity Bank Savings Account No. 401020590 2,293.87 See bank letter attached Interest accrued to 2/5/2014 0.46 3 Wells Fargo Checking Account No. 6357 311.64 See bank letter attached 4 2002 Honda Civic 1,500.00 Value estimated by Administrators 5 Personal Property; Sale Proceeds 2,637.36 6 Cash at decedent's home 362.93 TOTAL(Also enter on line 5,Recapitulation) $ 8,561.26 2w46AD 2.000 If more space is needed,use additional sheets of paper of the same size. REV-1509 IX+(01-10) pennsylvania SCHEDULE F DEPARTMENT OF REVENUE INHERITANCE TAX RETURN JOINTLY-OWNED PROPERTY RESIDENT DECEDENT ESTATE OF: FILE NUMBER: Janice McLaren 21 140206 If an asset became Jointly owned within one year of the decedent's date of death,It must be reported on Schedule a SURVIVING JOINT TENANT(S)NAILS) ADDRESS RELATIONSHIP TO DECEDENT A Chwastyk, Chris 1244 Jackson Street, NE, Washington, DC 20017 Son JOINTLY OWNED PROPERTY: LETTER DATE DESCRIPTION OF PROPERTY %OF DATE OF DEATH ITEM FOR JOINT MADE INCLUDE HALE OFFINANCALINSTITUTICNAND BANKACCOUNT NUAeERORSIMVR DATE OF DEATH DECEDENTS VALUEOF NUDJBER TENANT JOINT IDENTIFYING NUMER.ATTACH DEED FOR JOINTLY NELD REAL ESTATE. VALUE OF ASSET INTEREST DECEDENT S INTEREST 1 A 2/16/2010 Integrity Bank Checking Account No. 201041538 20.57 50.0243 10.29 See bank letter attached TOTAL (Also enter on Line 6, Recapitulation) $ 10.29 9W46AE 2.000 If more space is needed,use additional sheets of paper of the same size. REV-1510 EX+(08-09) SCHEDULE G pennsylvania DEPARTMENT OF REVENUE INTER-VIVOS TRANSFERS AND INHERITANCE TAX RETURN MISC.NON-PROBATE PROPERTY RESIDENT DECE DEM ESTATE OF FILE NUMBER Janice McLaren 21 140206 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 EXCLUSION ITEM INCLUXTH_WAMEOFTH_TRASFEREE,THEIRRELATIONSHPTODECEDENTM,D DATE OF DEATH %OFDECD'$ TAXABLE NUMBER THE DATEOFTRANSFER,ATTACH AOOPYOFTW_DEEDFOR REAL ESTATE VALUE OF ASSET INTEREST IF APPLICABLE VALUE 1- Commonwealth Financial Network, Account No. HDQ-548081 2,207.01 100.0000 0.00 2,207.01 Account payable to decedent's sons, Chris Chwastyk and Devin Chwastyk; See attached copy of February 2014 statement The following assets were held in Commonwealth Financial Network, Account No. B3S- 278360; The beneficiaries of the account were the decedent's sons, Chris Chwastyk and Devin Chwastyk; See attached copy of February 2014 account statement: 2 132.546 Shares Nuveen Invt Fds Inc R1 Asst Incm I Mutual Fund Values Reported To Nasdaq CUSIP: NRIIX 2,939.87 100.0000 0.00 2,939.87 3 90.584 Shares Prudential Sector Fds Inc Jns Hlth Sci Z Mutual Fund (As Quoted By Nasdaq) CUSIP: PHSZX 4,070.84 100.0000 0.00 4,070.84 4 207.777 Shares Sterling Cap Fds Sc Eq Inc Instnl Mutual Fund (As Quoted By Nasdaq) CUSIP: BEGIX 3,638.18 100,0000 0.00 3,638.18 5 1,199.995 Shares Pioneer Strategic Income Fd Cl Y Mutual Fund (As Quoted By Nasdaq) CUSIP: 723884409 13,031.95 100.0000 0.00 13,031,95 Dividend accrued on 2/5/2014 7.53 100.0000 7.53 Total from continuation ached les . . . . . . . 339,848.56 TOTAL(Also enter on line 7,Recapitulation)$ 365 743.94 If more space is needed,use additional sheets of paper of the same size. OW46AF 2.000 Estate of: Janice McLaren 21 14 0206 Schedule G (Page 2) Item DOD Value Taxable Ko. Description of Asset % Interest Exclusion Value 6 Cash 890.32 100.0000 0.00 890.32 The following assets were held in Commonwealth Financial Network, Individual Retirement Account No. B36-991988; Beneficiaries of IRA were decedent's sons, Chris Chwastyk and Devin Chwastyk; See attached copy of February 2014 statement: 7 2,099.472 Shares Deutsche Global / Intl Fd Inc Global Infr S Mutual Fund (As Quoted By Nasdaq) CUSIP: TOLSX 27,608.06 100.0000 0.00 27,608.06 8 528.646 Shares First Eagle Fds Inc Global Fd Cl I Mutual Fund (As Quoted By Nasdaq) CUSIP: 3200BF606 27,642.90 100.0000 0.00 27,642.90 9 447.172 Shares Ivy Fds Inc Sci & Techno I Mutual Fund (As Quoted By Nasdaq) CUSIP: ISTIX 24,473.72 100.0000 0.00 24,473.72 10 1,080.625 Shares Matthews Asian Fds Asia Dv Fd Invst Mutual Fund (As Quoted By Nasdaq) CUSIP: 577125107 15,701.48 100.0000 0.00 15,701.48 11 1,090.348 Shares Principal Fds Inc Midcap Fund Cl P Mutual Fund Values Reported To Nasdaq CUSIP: PMCPX 21,218.17 100.0000 0.00 21,218.17 12 430.264 Shares Prudential Sector Fds Inc Jns Hlth Sci Z Mutual Fund (As Quoted By Nasdaq) CUSIP: PHSZX 19,336.06 100.0000 0.00 19,336.06 Total (Carry forward to main schedule) 136,870.71 Estate of: Janice McLaren 21 14 0206 Schedule G (Page 3) Item DOD Value Taxable Ko. Description of Asset % Interest Exclusion Value 13 1,992.162 Shares Sterling Cap Fds Sc Eq Inc Instnl Mutual Fund (As Quoted By Nasdaq) CUSIP: BEGIX 34,882.76 100.0000 0.00 34,882.76 14 2,147.525 Shares Sunamerica Focused Ser Inc Focus Div Str A Mutual Fund (As Quoted By Nasdaq) CUSIP: FDSAX 34,274.50 100.0000 0.00 34,274.50 15 2,649.342 Shares Unified Ser Tr Iron Strat Inc Mutual Fund (As Quoted By Nasdaq) CUSIP: IFUNX 30,944.31 100.0000 0.00 30,944.31 16 3,576.586 Shares Ivy Fds Inc Hi Inc Fd Cl I Mutual Fund (As Quoted By Nasdaq) CUSIP: 466000122 30,937.47 100.0000 0.00 30,937.47 Dividend accrued on 2/5/2014 47.35 100.0000 47.35 17 2,497.1 Shares Pimco Fds Income Fd C1 A Mutual Fund (As Quoted By Nasdaq) CUSIP: 7220IF474 30,939.07 100.0000 0.00 30,939.07 Dividend accrued on 2/5/2014 20.21 100.0000 20.21 18 3,602.272 Shares Touchstone Fds Group Tr Ul Shrtdur Fix Mutual Fund (As Quoted By Nasdaq) CUSIP: 89155H678 34,005.45 100.0000 0.00 34,005.45 Dividend accrued on 2/5/2014 6.65 100.0000 6.65 19 Cash 6,920.08 100.0000 0.00 6,920.08 Total (Carry forward to main schedule) 202,977.85 REV-1511 EX,(08-13) SCHEDULE H pennsylvania DEPARTMENT OF REVENUE FUNERAL EXPENSES AND INHERITANCE TAX RETURN ADMINISTRATIVE COSTS RESIDENT DECEDENT ESTATE OF FILE NUMBER Janice McLaren 21 14 0206 Decedent's debts must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL EXPENSES: 1. Blooms by Vickrey Funeral Flowers 272.37 Total from continuation schedules . . . . . . . . . 3,295.57 B. ADMINISTRATIVE COSTS: 1. Personal Representative Commissions: Name(s)of Personal Representative(s) Street Address City State ZIP Year(s)Commission Paid: 2. Attorney Fees: McNees Wallace & Nurick LLC (estimated) 4,000.00 3. Family Exemption:(If decedent's address is not the same as claimant's,attach explanation.) Claimant Street Address City State ZIP Relationship of Claimant to Decedent 4. Probate Fees: 363.50 5. Accountant Fees: 6. Tax Return Preparer Fees: 333.25 7. 1 Journal Multimedia Legal Advertising 171.00 2 Cumberland Law Journal Legal Advertising 75.00 Total from continuation schedules . . . . . . . . . 18,653.81 TOTAL(Also enter on Line 9,Recapitulation) $ 27 164.50 3W46Ac 2.000 If more space is needed,.use additional sheets of paper of the same size. Estate of: Janice McLaren 21 14 0206 Schedule H Part 1 (Page 2) Item No. Description Amount 2 Dockside Willies Funeral Luncheon 212.72 3 Myers-Harner Funeral Home Funeral Service 3,067.00 4 Miscellaneous funeral expenses 15.85 Total (Carry forward to main schedule) 3,295.57 Estate of: Janice McLaren 21 14 0206 Schedule H Part 7 (Page 2) 3 Cumberland County Register of Wills Short Certificates 50.00 4 Comcast Cable Balance Due 187.50 5 EstateSales.net Online posting of estate sale 49.95 6 Chris Chwastyk Reimbursement for hotel charges to administer the decedent's estate and residence (co-executor is a resident of Washington DC) 1,118.84 7 US Postal Service Postage Charges 115.14 8 The Patriot News Ad for estate sale 36.80 9 Staples Materials for estate sale 14.48 10 McNees Wallace & Nurick LLC Costs Advanced as follows: Duplicating $ 5.20 Courier Svs. 8.57 13.77 11 McNees Wallace & Nurick LLC Reserve for closing costs re duplicating, postage, etc. 100.00 THE FOLLOWING EXPENSES ARE RELATED TO MAINTAINING THE DECEDENT'S RESIDENCE, MAKING NECESSARY REPAIRS TO SELL THE RESIDENCE, AND ULTIMATELY SELLING THE RESIDENCE: 12 ADT Security Services Security System 406.24 13 Settlement Expenses re sale of 6 Keswick Drive: Commissions $ 9,350.00 Misc. Fees 210.00 Transfer Tax 1,870.00 Seller Assist 540.00 11,970.00 Total (Carry forward to main schedule) 14,062.72 Estate of: Janice McLaren 21 14 0206 Schedule H Part 7 (Page 3) 14 Aftermath Services Services provided to decedent's residence 500.00 15 Brandon Merritt Landscaping Snow removal and lawncare services 2,135.00 16 Penn Waste Trash Charges 152.06 17 PPL Electric Service 404.77 18 Silver Spring Township Sewer Charges 483.85 19 UGI Gas Service 674.09 20 United Water Water Service 135.42 21 Peterson Building Services Co. Repairs paid at real estate settlement 65.00 22 Evergreen II Homeowners Association Yearly Association Fee (paid at real estate settlement) 40.90 Total (Carry forward to main schedule) 4,591.09 REV-1512 EX-(12.12) pennsylvania SCHEDULE I DEPARTMENTOF REVENUE DEBTS OF DECEDENT, INHERITANCE TAX RETURN MORTGAGE LIABILITIES & LIENS RESIDENT DECEDENT ESTATE OF FILE NUMBER Janice McLaren 21 14 0206 Report debts incurred by the decedent prior to death that remained unpaid at the date of death,including unreimbursed medical expenses. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 Bank of America Outstanding Mortgage; See attached February 2014 statement for balance at decedent's death 155,300.06 2 Bank of America (FIA Card Services) Credit Card Credit Card Balance per claim filed against estate 6,157.99 3 Citibank Credit Card Outstanding Credit Card Balance 5,691.68 4 Comcast Cable Balance Due 403.52 TOTAL(Also enter on Line 10,Recapitulation) $ 167,553.25 2W46AH 2.000 If more space is needed,insert additional sheets of the same size. REV-1513 EX+(01-10) SCHEDULE J pennsylvania DEPARTMENT OF REVENUE BENEFICIARIES INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF: FILE NUMBER: Janice McLaren 2114 0206 RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBER NAMEANDADDRESS OF PERSON(S)RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE I TAXABLE DISTRIBUTIONS(Include outright spousal distributions and transfers under Sec.9116(a)(1.2).) 1. Devin Chwastyk 911 N. Front Street #201 Harrisburg, PA 17102 50% of IRA - $169,479.12 50% of Investment Accounts (POD) - $13,392.85 50% of estate residue - $421.76 Son 183,293.74 ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18 OF REV-1500 COVER SHEET,AS APPROPRIATE. 11 NON-TAXABLE DISTRIBUTIONS A.SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN: 1. B.CHARITABLE ANDGOVERNMENTAL DISTRIBUTIONS: 1. TOTAL OF PART II-ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. $ 0.00 9W46Ai 2.000 If more space is needed,use additional sheets of paper of the same size. Estate of: Janice McLaren 21 14 0206 Schedule J Part 1 (Page 2) Item No. Description Relation Amount 2 Chris Chwastyk 1244 Jackson Street, NE Washington, DC 20017 50% of IRA - $169,479.12 50% of Investment Accounts (POD) - $13,392.85 Joint Account - $10.28 50% of estate residue - $421.76 Son 183,304.01 ESTATE OF JANICE MCLAREN NO . 21 - 14-0206 COPY - LETTERS OF ADMINISTRATION ISSUED TO CHRIS CHWASTYK AND DEVIN CHWASTYK i. I• d REGISTER OF WILLS CERTIFICATE OF CUMBERLAND COUNTY GRANT OF LETTERS PENNSYLVANIA ADMINISTRATION No. 2014 00206 PA No. 21- 14- 0206 Estate Of: JANICE MCLAREN (First,Middle,Lastl alk/a: JANICE L MCLAREN Late Of: SILVER SPRING TOWNSHIP CUMBERLAND COUNTY Deceased Social Security No: WHEREAS, JANICE MCLAREN /First,Middle,Lasil a/k/a JANICE L MCLAREN late of SILVER SPRING TOWNSHIP CUMBERLAND COUNTY died on the 5th day of February 2014 and, WHEREAS, the grant of Letters of Administration is required for the administration of the estate. THEREFORE, I, LISA M. GRAYSON, ESQ. Register of Wills in and for CUMBERLAND County, in the Commonwealth of Pennsylvania, have this day granted Letters of Administration to: CHRIS CHWASTYK and DEVIN CHWASTYK who have duly qualified as ADMINISTRATOR (RIX) of the estate of the above named decedent and have agreed to administer the estate according to law, all of which fully appears of record in my office at CUMBERLAND COUNTY COURTHOUSE, CARLISLE, PENNSYLVANIA. IN TESTIMONY WHEREOF, I have hereunto set my hand and affixed the seal of my office on the 6th day of March 2014. Reglster Wills Dep **NOTE** ALL NAMES ABOVE APPEAR (FIRST, MIDDLE, LAST) ESTATE OF JANICE MCLAREN NO . 21 - 14-0206 COPY - SETTLEMENT STATEMENT FOR 6 KESWICK DRIVE .` A. Settlement Statement (HUD-1) OMB Approval No.2542.4265 1.❑FHA 2,❑RHS 3.❑Conv.Unins. 6.File Number. 7.Loan Number: 8.Mortgage Insurance Case Number: 14-2684 4.❑VA 5,❑Conv.ins. C.Note:This form is furnished to give you a statement of actual settlement Costs.Amounts paid to and by the settlement agents are shown.Items marked o.Cy were paid outside the Dosing;they are shown here for infomationsl purposes and are not Included in the totals. D.Name&Address of Borrower; E.Name&Address of Seller: F.Name&Address of Lender: Yong Mitchel Chris Chwastyk Co-Executor of the Estate of Janice L. Members 1st Federal Credit Union McLaren,Devin Chwastyk Co-Executor of the Estate of 5000 Louise Drive,Mechanicsburg,PA 17055 Janice L.McLaren G.Property Location: H.Settlement Agent 1.Settlement Date:10/3112014 6 Keswick Drive Hershey Abstract LLC Disbursement Date:10/31/2014 Mechanicsburg,PA 17050 218 East Main Street Hummelstown,PA 17036 Silver Spring Township Phone:717.566.7600 Fax:717.566.4800 Place of Settlement: TitleExprnss 218 East Main Street Humneistown.PA 17036 Printed 10/29=14 at 12:17 pm by HAR J.Summary of Borrowers Transaction K�Surnmarlir of Seller's TransaCtion 160. Gross Amount Due from Borrower 40D. Gross Amount Due to Seller 101, Contract sales price 187,000.00 401. Contract sales price 187,000.00 102. Personal property 402 Personal Property 103 Settlement charges to bortower(line 1400) 4,559.14 4D3. 104. 404. 105. 405. Adjustments for items paid by seller in advance Acqvirtments for items paid by seller in advance 106. Citynown taxes to 406. Cltyhown taxes to 107. County taxes 10/31/2014 to 12/3112014 108.84 407. County taxes 1013112014teI213172014 108.84 108, SchodlTax 10/31f2014to0613012015 1,159.80 408. SchooiTax 1013112014 to06130QD15 1,189.80 109, Homeowners Association 10131.12131/14 9.10 409. Homeowners Association 10/31.12/31114 9.10 110. 410. Ill. 411. 112. 412. 120. Gross Amount Due from Borrower 192,646.$6 420. Gross Amount Due to Seller 1ss,287.74 200. Amounts Paid by or in Behalf of Borrower 500. Reductions In Amount Due to Seller 201. Deposit or earnest money 2,500.00 501. Excess deposit(see Instructions) 202. Principal amount of new loan(s) 148,000.00 502. Settlement charges to seller(line 1400) 11,810.57 203. Existing bans taken sub'ectio W. Existing loari taken subject to 204. 504. Payoff of first mortgage loan to Bank of America, 153,909.22 N.A. 205. 565. Payoff of second mongage ban 206. Seller Assist 54000 506. Seller Assist 540D0 201- 507, 208, 508, 209. 509. Adjustments for items unpaid by setter Adjustments for items unpaid by seller 210. CityAown taxes to 510. City/towntaxes to 211. County taxes to 511. County taxes to 212 School Tax to 512. School Tax to 213. 513, 214. 514. 215, 515. 216. 516. 217. 517. 218, 518. 219, 519. 220. Total Paid b Mor Borrower 151,040.00 520. Total Redu coon Amount Due Seller 166,259.79 300. Cash at Settlement froml a Borrower 600. Cash at settlement talfrom Seller 301. Cross amount due from borrower(line 1201 192$46 S$I I 601, Gross amount due to seller(line 420) 188,287.74 302, Less amounts paid byhr borrower Qine 220) 151,040.00 602. Less reductions in amount due seller(line 520) 166,259.79 303. Cash t-3 From �To Borrow 41,605.E6 603. Cash ❑X Ta From Sager 22,027.95 �n.,s mowam,v.,....,ro.,n Rwr,,,a r.wu.rn„a«w ,nmmMo,na,m+^Nrw,2mrca,ncmmnpe,e e-eaep+r,�.bun,^pr vµpCNewnmi wneMtlueeMe.nutry Nae.vaa�aMe<u,s i,m.mnory inn sany„nn,eyw.ee ne wnieraenEsw,p,Meaurixcunr.an,rw,meinnanrq w,eniem Previous editions are obsolete Page i of 4 MUD-1 L.Settlement Charges 700. Total Real Estate Broker Fees $9,350.00 Paid From Paid From Division ofcomnissicn fine700 as follows Borrower's Seller's 701. $4,675,00 to RSR Funds at Funds at 702. $4,675,00 to Keller Williams Settlement Settlement 703. Commission paid atsettiemenl 9.350.0 704. Broker Fee an Keller Williams 23500 800. Items Payable In Connection with Loan 801. Our origination charge (Includes Origination Point %or$0.00) $ (from GFE 91) 802. Your creditor charge(points)for the specific inprest rate chosen (from GFE A) 803. Your adjusted origination charges (from GFE A) 804. Appraisal fee 10 from GFE#3 805. Credit report o ffrom GFE 03 806. Tax service m from GFE 0 807. Flood certification to from GFE 03 808. to 900. Items Required by Lender to be Paid in Advance 901. Daily interest charges from from 123112014 to 1 110112 0 1 4 $0.00/day (from GFE 010) 902. Mortgage insurance premium for months to (from GFE W) 903. Homeowners Insurance for ears to (from GFE 911) 904. months to (from GFE#11 1000. Reserves Deposited with Lender 1001. Initial deposit for your escrow account (from GFE#9) 399.64 1002. Homeowners insurance 2 months S 0,00/mordh $ 1003. Mortgage insurance 2 months S 0,00/month S 1004. Property taxes 2mrdhs S 0.001month 3 1005. County taxes 2 months @ S 53.401month $106.79 1006. Schad Tax 2months @$ 146.43hnomh $292.85 1007. Aggregate Adjustment $ 1100. Title Charges 1101. Title services and lender's title insurance from GFE#41 451.00 1102. Settlement or closing lee to $ 1103, Owners Glle insurance-Fidelity National Title Insurance Campany from GFE#5 1.468.50 1104. Lenders title insurance-Fidelity National Title Insurance Company 5275.00 1105. Lenders tide policy limit$148,000.00 Lenders Policy 1106. Owner's He policy limit$187,000.00 Owners Policy 1107. Agent's portion of the otal title insurance premium $1,375.72 to Ht4shey AbstractLLC 1108. Underwriters portion of the total file insurance premium 5367.78 to Fidelity Nasional Tstle Insurance Company 1109. Tax Ced to Piershey Abstract.LLC $ 20.00 1110. Overnight for seMrs payoff to ftshey Abstract LLC S 15.00 1111. Deed Prep to Ganeft Rothman 3 t 50.00 1200. Government Recording and Trarater Charges 1201. Government recording charges $ (from GFE 07) 135.00 1202. peed 544.50 Monflage 590.50 Release S 1203. Transfer taxes S (from GFE 48) 1.870.00 1204. CityfCounty taxlstamps Deed$1,870.00 Mortotage S 1205. StateTaxlstamps Deed$1.870.00 Mortgage S 1,870.00 1206. Deed S Mortgage S 1207. $ 1300. Additional Settlement Char es 1301. Required services that you can shop for (from GFE 96) 1302. Survey to $ 1303. to 1304, Repairs to Peterson Building Services Co. S 65. OC 1305. Resale Cert to Evergreen II Homeowners Associa 3 25' 1306. YcaRy Assaciaton Fee to Ever reen II Homeowners Associa $ 50. 1307. Final Sewer to Silver Spring Township Authodty 265.5 4,559.14 11,810.57 'Paid outside of dosing by(8)orroww.(S)eller,(L)ender,(I)nvestor,Bro(K)er."Credit by lender shown on page 1.-Credit by seller shown on page 1. Previous editions are obsolete Page 2 of 4 HUD-1 Comparison of Good Faith Estimate(GFE)and HUD-1 Charges Good Faith Estimate_ HUD-1 Charges That Cannot Increase HUD-1 Line Number Our origination charge #801 0.00 0.00 Your credit or charge(points)for the specific interest rate chosen #802 0.00 0.00 Your adjusted origination charges # 803 0.00 0.00 Transfer taxes # 1203 0.00 1,810.00 Ch arges That in Total Cannot In crease More Than 10% Good Faith Estimate HUD-1 Government recording charges #1201 0.00 135.00 Title services and lender's title insurance #1101 0.00 451.00 Owners title insurance #1103 0.00 1,468.50 Repairs #1304 0.00 0.00 Resale Cert #1305 0.00 0.00 Yearly Association Fee #1306 0.00 0.00 0.00 2,054.50 Increase between GFE and r $2,054.50 or 999.9999% Charges That Can Chan a Good Faith Estimate HUDA Initial deposit foryour escrow account #1001 0.00 399.64 Daily interest charges from #901 $ (day 0.00 0.00 Homeowner's insurance #903 0.00 0.00 # Loan Terms Your initial loan amount is $ Your ban term is years Your initial interest rate is % Your initial monthly amount owed for principal,interest,and any mortgage S includes insurance is ❑Principal ❑Interest Mortgage Insurance Can your interest rate rise? ENO. ❑Yes,it can rise to a maximum of %The first change will be on I I and can change again every years after ( I .Every change date,your interest rate can increase or decrease by %Over the life of the loan,your interest rate is guaranteed to never be lower than %or higher than %. Even if you make payments on time,can your ban balance rise? X❑No. ❑Yes,it can rise to a maximum of S Even if you make payments on time,can your monthly amount owed for QX No. ❑Yes,the first increase can be on I I and the monthly principal,Interest,and mortgage insurance rise? amount owed can rise to S The maximum it can ever rise to is S Does your ban have a prepayment penalty? ❑X No. ❑Yes,your maximum prepayment penalty is S Does your loan have a balloon payment? IDNo. []Yes,you have a balloon payment of S due in years on I I . Total monthly amount owed including escrow account payments ❑X You do not have a monthly escrow payment for items,such as property taxes and homeowners insurance,You must pay these items directly yourself. ❑You have an additional monthly escrow payment of S that results in a total initial monthly amount owed of S .This includes principal,interest. any mortgage insurance and any items checked below: ❑Property taxes ❑Homeowners insurance U Flood insurance ❑ Note: If you have any questions about the Settlement Charges and Loan Terms listed on this form,please contact your lender Previous editions are obsolete Page 3 of 4 HUD-1 Signature Page HUD CERTIFICATION OF BUYER AND SELLER I have carefully reviewed the HUD-1 Settlement Statement and to the best of my knowledge and belief,it is a true and accurate statement of all receipts and disbursements made on my account or try me in this transaction.I further certify that I have received a copy of the HUD-1 Settlement Statement. Yong Mitchel Chris Chwastyk Co-Executor of the Estate of Janice L McLaren Devin Chwastyk Co-Executor of the Estate of Janice L.McLaren The HUD-1 Settlement Statement which I have prepared is a true and accurate account of this transaction.I have caused or will cause the funds to be disbursed in accordance with this statement. SETTLEMENT AGENT DATE WARNING.IT IS A CRIME TO KNOWINGLY MAKE FALSE STATEMENTS TO THE UNITED STATES ON THIS OR ANY SIMILAR FORM.PENALTIES UPON CONVICTION CAN INCLUDE A FINE AND IMPRISONMENT,FOR DETAILS SEE TITLE 18:U S.CODE SECTION 1001 AND SECTION 1010. Previous editions are obsolete Page 4 of 4 HUD-1 Itemization of Line t Name of Borrower: Name of Seller. File Number: Yong Mitchel Chris Chwastyk Co-Executor of the Estate of Janice L. 14-2684 McLaren Devin Chwastyk Co-Executor of the Estate of Janice L. McLaren Prepared 10129/2014 at 1217 pm Note:This page displays an Itemization of the charges shown on line 1101 of the HUD-1 Settlement Statement.This page accompanies but is not a part of the HUD-1 Settlement Statement.If a discrepancy exists,the Information on the HUD-1 Settlement Statement applies. 1100.TiitleCharges Borrower Seller 1101. Title services and lender's He insurance to 451.00 0.00 Settlement Fee to Hershey Abstract LLC $ 100.00 Borrower Overnight Fee to Hershey Abstract LLC $ 36.00 Borrower Notary Fee to Hershey Abstract LLC $ 25.00 Borrower Wire Fee to Hershey Abstract LLC $ 15.00 Borrower Subtotal $176.00 1102. Settlement or closing fee to $ 0.00 1104 Lender's title insurance-Fidelity National Title In to Hershey Abstract LLC $ 275.00 1109. Tax Can to Hershey Abstract,LLC 3 0.00 1110. Overnight for sellers payoff to Hershey Abstract,LLC $ 0.00 1111. Deed Prep to Garen Rothman $ 0.00 SeneriLender credits shown on page 1 POC•Paid Outside Closing Previous editions are obsolete Page 1 of 1 MUD-1 ESTATE OF JANICE MCLAREN NO . 21 - 14-0206 COPY - INTEGRITY BANK LETTER Integrity B A N K April 7, 2014 McNees Wallace &Nurick LLC 100 Pine Street P.O. Box 1166 Harrisburg, PA 17108-1166 Re: Janice L. McLaren Social Security#: 387-44-2999 Date of Death: 02/05/2014 Dear: Linda M. Eshelman, 1 am writing in regards to the letter in which you sent inquiring about accounts in the name of Janice L. McLaren held at Integrity Bank. Janice L. McLaren had the following accounts: Account Number Status Type Date of Death Balance Accrued Interest 201041538 Closed CK $20.57 0 401020590 Closed SV $ 2293.87 $0.46 Interest earned Joint owner $0.00 Christopher Chwastyk–February 16, 2010- 201041538 $0.46 If you have any further questions please feel free to call 717-920-4900. Sincerely, Brooke L. White —-� &tA-8� Integrity Bank–Camp .Hill Customer Service Representative 3345 Market Street, Camp Hill,PA 17011 •Phone:717-920-4900•877-I-HAVEIT•Fax.717-920-4904•wwwinlegrieybankonlineXOn? ESTATE OF JANICE MCLAREN NO . 21 - 14-0206 COPY - WELLS FARGO BANK LETTER Customer Correspondence M MAC P61o2-03A P.O.Box 6995 Portland,OR 97228-6995 Date of Death Balance Request Response Form Decedent: Janice L.McLaren Case number: 79763300 Date of death: Wednesday,February 05,2014 Completed by: Cindy Metheny Requested by: Linda M.Eshelman Contact number: 54o-562-9041 Mail: McNees Wallace&Nurick,LLC Date: March 27,2014 PO Box 1166 Harrisburg,PA 17108 Account title ? Agihation Account type '�; `� + k�rincipal balance Interest p td ` Accrued Date otdeath ;••t Accotint number a year`to date of i. nr, as of date of death- . interest balance death Janice L McLaren Sole Owner Checldng -6357 3311.64 $0.00 $0.00 $311.64 Note:Money Market Checking and Money Market Access accounts pay dividends only. Comments: There was no Safe Deposit Box found for the decedent. ESTATE OF JANICE MCLAREN NO . 21 - 14-0206 COPY - COMMONWEALTH FINANCIAL , ACCOUNT NO.- HDQ-548081 - FEBRUARY 2014 STATEMENT ENV# CEBBGHTNBBBPFBB BBBBF COMMONWEALTH FINANCIAL NETWORK 29 SAWYER ROAD WALTHAM,MA 02453-3483 A COMMONWEALTH financial network JANICE L MCLAREN TOD BENES ON FILE 6 KESWICK DR MECHANICSBURG PA 17050 STATEMENT FOR THE PERIOD FEBRUARY 1,2014 TO FEBRUARY 28,2014 JANICE L MCLAREN-Individual TOD Account Number:HDQ-548081 YOUR ACCOUNT REPRESENTATIVE For questions about your accounts: TOTAL VALUE OF YOUR PORTFOLIO $2,207.02 IS Local: 703 425 9330 RICHARD CERNOHORSKY RR#:NI-3 FOR YOUR INFORMATION CHANGE IN VALUE OF YOUR PORTFOLIO SECURITIES OFFERED THROUGH COMMONWEALTH FINANCIAL NETWORK Sthousands MEMBER FINRA,SIPC.YOU CAN CONTACT COMMONWEALTH AT 781-736-0700. 80.000 60.000 40.000 20.000 0.000 2010 2011 2012 2013 CURRENT Change In Value Of Your Portfolio information can he found in Miscellaneous Foomntes at rhe end of(his statement. COMMONWEALTH FINANCIAL NETWORK Account tamed with National Financial Services LLC,Member NYSE,SIPC MN _CEBBGHTNBBBPFBB_BBBBF 20140228 Page 1 of 8 Statement for the Period February 1,2014 to February 28,2014 JANICE L MCLAREN-Individual TOD COMMONWEALTH Account Number: HDQ-548081 '4 4 4® financial network Account Overview CHANGE IN ACCOUNT VALUE Current Period Year-to-Date ACCOUNT ALLOCATION ..� BEGINNING VALUE $2,207.01 $4,207,00 Additions and Withdrawals $0.00 ($2,000.00) Income $0.01 $0.02r�..�= �'.. Taxes,Fees and Expenses $0.00 $0.00 Change in Investment Value $0.00 $0.00 -` - ENDING VALUE(AS OF 02128114) $2,207.02 $2,207,02 Refer to Miscellaneous Footnotes for more information on Change in Investment Value. Bank Deposits 100.0% INCOME�.�..,..�.�,�.,,�. �,�,�.�,......�.�.�..�; • - Percent Prior Period Current Period TAXABLE Current Period Year-to-Date Bank Deposits 100.0% $2,207.01 $2,207.02 Taxable Interest $0.01 $0.02 TOTAL 100.0% $2,207.01 $2,207.02 TOTAL TAXABLE $0.01 $0.02 TOTAL INCOME $0.01 $0 02 Account Allocation shoes the percentage that eat),asset cuss represents of your total account value. Account Alincatinn for equities,fixed income,and other categories may include mutnal funds and may Taxable income is determined based on information available to NFS at the time the statement was be net of shun positions.NFS has made assumptions concerning how certain mutual fiords are Prepared,and is subject to change.Finwl information on taxation of interest and dividends is available allocated Closed-end mutuul funds and Exchange Traded Funds(ETFs)listed on an exchange may on Form 1099-Div,which is mailed in February of the subsequent rear. be included in the equipallocation.The chart may not reflect your actual portfolio allocation.Cmt"'It your brokerldeater prior to muking investment decisions. MESSAGESAND ALERTS�au.. �„®, ,..�,.�...a�,�.....�,.�,-,�..�. ,�.,�:�,���,� _m,,,�..���,�.s.,,�...�,x�-�--- In lieu of scparate and immediate trade confirmations relating to your participation in periodic investment plans or in transactions involving the core money market fund,or with respect to systematic withdrawal plans,dividend reinvestments,or transfers and journals of assets between accounts,a written account statement will be delivered to you,no less frequently than quarterly, disclosing each such transaction the date of such transaction,the identity,number,and price or amount ofsuch transaction,any remuneration received in connection therewith and that any other information required by SEC Rule 10b-I0a will be furnished upon your written request. COMMONWEALTH FINANCIAL NETWORK Account carried with National Financial Services LLC,Member NYSE,SIPC MN CEBBGHTNBBBPFBB BBBBF 20140228 Page 2 of 8 Statement for the Period February 1,2014 to February 26,2014 JANICE L MCLAREN-Individual TOD COMMONWEALTH Account Number: HDQ-548081 ASA '40 financial network 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- 100.00%of Total Account Value Fay. Symbol/Cusip Price on Current Estimated Description Account Type Quantity 02/26/14 Market Value Annual Income Bank Deposits Bank deposits are not securities and are not covered by the Securities Investor Protection Corporation(SIPC). Funds used to purchase or sweep to a hank deposit are SIPC protected until deposited to a Program Bank at which time funds may be eligible for FDIC insurance. Customers are responsible for monitoring their total deposits at each Program Bank to determine the extent of available FDIC insurance.Refer to the Bank Deposit Detail section which appears later in this statement for information on the banks holding your deposits.If your account was established on the last business day cf this month,your statement will not include a Bank Deposit Detail section. BANK DEPOSIT SWEEP PROGRAM QPRMQ 2,207.02 $1.00 $2,207.02 Estimated Annual Yield 0.01% CASH Total Cash and Cash Equivalents $2,207.02 TOTAL PORTFOLIO VALUE $2,207.02 Activity CORE FUND ACTIVITY �."'�,.&°�...�75C�.YS 3:.�.._-�a^. 's^`.e,-L✓:Fkt ".'�53:�E ..v�:i61&.'a �Y --""�-�.'-xv. P-°. '�.,kT".C::TB� C�d�,...."_.:3�ir�a73z'�i.C:3xas"'" `_�'S' Settlement Account Dale Type Transaction Description Quantity Amount 02128/14 CASH REINVESTMENT BANK DEPOSIT SWEEP PROGRAM NET 0.01 ($0:01) INT REINVEST TOTAL.CORE FUND ACTIVITY ($0.01) COMMONWEALTH FINANCIAL NETWORK Account carried with National Financial Services LLC,Member NYSE,SI PC MN _CEBBGHTNBBBPFBB BBBBF 20140228 Page 3 of 8 Statement for the Period February 1,2014 to February 28,2014 JANICE L MCLAREN-Individual TOD Account Number: HDQ-548081 A COMMONWEALTH .4 4 .400 financial network ACTIVITY>INCOME>TAXABLE INCOME Settlement Account Date Type Transaction Description Quantity Amount Taxable Interest 02128/14 CASH BANK DEPDSIT SWEEP PRDGRAM $0.01 INTEREST RECEIVED Total Taxable Interest $0.01 Total Taxable Income $0.01 TOTAL INCOME $0.01 ACTIVITY>BANK DEPOSIT DETAIL Bank deposits are not securities and are not covered by the Securities Investor Protection Corporation(SIPC).Customers are responsible for monitoring their total deposits at each Program Bank to determine the extent of available FDIC insurance. Your Ending Balance at each Program Bank as of the end of this statement period is shown below. Funds pending settlement reflect deposits to(credit)or withdrawals from(debit)a Program Bank. Subject to the terms of the applicable bank deposit disclosure,customers are reminded that funds are deposited to a Program Bank on the business day following the date that funds are credited to your account and until swept to a Program Bank,funds are covered by SIPC. Beginning Ending Bank Balance Balance Goldman Sachs Bank $2,206.96 S2,206.97 Wells Fargo Bank NA $1,000.05 SD.05 Prior Month's Pending Settlement (S1,000.00) Total Bank Deposits $2,207.01 52,207.02 COMMONWEALTH FINANCIAL NETWORK Account carried with National Financial Services LLC,Member NYSE,SIPC MN _CEBBGHTNBBBPFBB_BBBBF 20140228 Page 4 of 8 Statement for the Period February 1,2014 to February 28,2014 JANICEAccount L MCLAumber: N-Individual TOD COMMONWEALTH Account Number: HDQ-548081 4 A -4® financial network Footnotes and Cost Basis Information -.-.4s,AM?n,N:tFW1'.x�fAx;rsWetYl2R? ?r4a}�ecgis.>:aM<`,,;.8�'=g'..4"u�w�» :Y.•;.,r..»-�T::�^r..�a"-f_'.-��!'kr .aG-�.>v^.t&tws4T:6n¢e4s...�..J�+s?cb4 `:T:_._--%tF.tts��w_.,n asrLeu_•.„ a��u,'- :4�.:.^sc:+Fv :..: 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 are 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-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-B 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 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 1099-B 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-1 issued by April 15th 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 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 dale 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. COMMONWEALTH FINANCIAL NETWORK Account carried with National Financial Services LLC,Member NYSE,SIPC MN _CEBBGHTNBBBPFBB_BBBBF 20140228 Page 5 of 8 Statement for the Period February 1,2014 to February 28,2014 JANICE L MCLAREN-Individual TOO Account Number: HDQ-548081 COMMONWEALTH 4144® financial network Miscellaneous Footnotes continued 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,!nc-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-B. 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-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. COMMONWEALTH FINANCIAL NETWORK Account carried with National Financial Services LLC,Member NYSE,SIPC MN _CEBBGHTNBBBPFBB BBBBF 20140228 Page 6 of 8 GLOSSARY Short Account Balances-If 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. 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")-When available,the coupon rate of some fixed income securities is 10 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 and/or 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 EAI 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 "NIA"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 of positions in certain mutual fund shares and other investment products in your brokerage account.This or concerns regarding your brokerage account or the activity therein should be directed to your broker-dealer at additional compensation may be paid by the mutual fund or other investment product,its investment advisor or the telephone number and address reflected on the front of this statement.National Financial Services LLC one of its affiliates.Additional information about the source(s)and amount(s)of compensation as well as other ("NFS"),who carries your brokerage account and acts as your custodian for funds and securities that are remuneration received by NFS or your broker-dealer will be furnished to you upon written request.At time of deposited with NFS by you or your broker-dealer,or as a result of transactions NFS processes for your account, purchase,fund shares may be assigned a transaction fee or no transaction fee status.Al time of sale, may also be contacted for statement discrepancies.NFS may be called at(800)801-9942.Any oral applicable fees will be based on that status. communications regarding inaccuracies or discrepancies should be reconfirmed in writing to protect your Margin.If you have applied for margin privileges and been approved,you may borrow money from NFS in rights,including those under the Securities Investor Protection Act("SIPA").When contacting either NFS or exchange for pledging the assets in your account as collateral for any outstanding margin loan.The amount your broker-dealer,remember to include your entire brokerage account number to ensure a prompt reply. you may borrow is based on the value of securities in your margin account,which is identified on your Please notify your broker-dealer promptly in writing of any change of address. statement.If you have a margin account,this is a combined statement of your margin account and special ADDITIONAL INFORMATION Customer free credit balances are not segregated and may be used in NFS memorandum account other than your non-purpose margin accounts maintained for you under Section 220.5 business,subject to the limitations of 17CFR Section 240.15c3-2 under the Securities and Exchange Act of of Regulation T issued by the Board of Governors of the Federal Reserve Board.The permanent record of the 1934.You have the right to receive from NFS in the course of normal business operations,subject to open separate account,as required by Regulation T,is available for your inspection upon request. commitments in any of your brokerage accounts,any free credit balances to which you are entitled or any fully NYSE and FINRA.All transactions are subject to the constitution,rules,regulations,customs,usages,rulings paid securities to which you are entitled and any securities purchased on margin upon full payment of any and interpretations of the exchange market and its clearing house,if any,where the transactions are executed, indebtedness to NFS.Interest on free credit balances awaiting reinvestment may be paid out at rates that may and of the New York Stock Exchange(NYSE)and of the Financial Industry Regulatory Authority("FINRA").The vary with current short-term money market rates and/or your brokerage account balances,set at the discretion FINRA requires that we notify you in writing of the availability of an investor brochure that includes information of your broker-dealer and/or NFS. describing FINRA Regulation's BrokerCheck Program("Program").To obtain a brochure or more information Credit Adjustment Program.Accountholders receiving payments in lieu of qualified dividends may not be about the Program or FINRA Regulation,contact the FINRA Regulation BrokerCheck Program Hotline at(800) eligible to receive credit adjustments intended to help cover additional associated federal tax burdens. NFS 289-9999 or access the FINRA's web site at www.finra.org- reserves the right to deny the adjustment to any accountholder and to amend or terminate the credit adjustment FINRA Rule 4311 requires that your broker-dealer and NFS allocate between them certain functions regarding program. the administration of your brokerage account.The following is a summary of the allocation services performed Options Customers.Each transaction confirmation previously delivered to you contains full information about by your broker-dealer and NFS.A more complete description is available upon request. commissions and other charges.If you require further information,please contact your broker-dealer. Your broker-dealer is responsible for:(1)obtaining and verifying brokerage account information and Assignments of American and European-style options are allocated among customer short positions pursuant documentation,(2)opening,approving and monitoring your brokerage account,(3)transmitting timely and to a random allocation procedure,a description of which is available upon request. Short positions in accurate orders and other instructions to NFS with respect to your brokerage account,(4)determining the American-style options are liable for assignment at any time. The writer of a European-style option is subject to suitability of investment recommendations and advice,(5)operating,and supervising your brokerage account exercise assignment only during the exercise period.You should advise your broker-dealer promptly of any and its own activities in compliance with applicable laws and regulations including compliance with margin material change in your investment objectives or financial situation.Spllts,Dividends,and Interest. rules pertaining to your margin account,if applicable,and(6)maintaining required books and records for the Expected stock split,next dividend payable,and next interest payable information has been provided by third services that it performs. parties and may be subject to change.Information for certain securities may be missing if not received from NFS shall,at the direction of your broker-dealer:(1)execute,clear and settle transactions processed third parties in time for printing.NFS is not responsible for inaccurate,incomplete,or missing information. through NFS by your broker-dealer,(2)prepare and send transaction confirmations and periodic statements of Please consult your broker-dealer for more information about expected stock split,next dividend payable,and your brokerage account(unless your broker-dealer has undertaken to do so).Certain securities pricing and next interest payable for certain securities. descriptive information may be provided by your broker-dealer or obtained from third parties deemed to be Equity Dividend Reinvestment Customers.Shares credited to your brokerage account resulted from reliable,however,this information has not been verified by NFS,(3)act as custodian for funds and securities transactions effected as agent by either:1)Your broker-dealer for your investment account,or 2)through the received by NFS on your behalf,(4)follow the instructions of your broker-dealer with respect to transactions Depository Trust Company(DTC)dividend reinvestment program.For broker-dealer effected transactions,the and the receipt and delivery of funds and securities for your brokerage account,and(5)extend margin credit for time of the transactions,the exchange upon which these transactions occurred and the name of the person purchasing or carrying securities on margin.Your broker-dealer is responsible for ensuring that your brokerage from whom the security was purchased will be furnished upon written request.NFS may have acted as market account is in compliance with federal,industry and NFS margin rules,and for advising you of margin maker in effecting trades in'over-the-counter'securities. requirements.NFS shall maintain the required books and records for the services it performs. Retirement Contributions/Distributions.A summary of retirement contributions/distributions is displayed for Securities in accounts carried by NFS are protected in accordance with the Securities Investor Protection you in the activity summary section of your state ment.lincome Reporting.NFS reports earnings from Corporation("SIPC")up to$500,000. For claims filed on or after July 22,2010,the$500,000 total amount of investments in Traditional IRAs,Rollover IRAs.SEP-IRAs and,Keoghs as tax-deferred income.Earnings from SIPC protection is inclusive of up to$250,000 protection for claims for cash,subject to periodic adjustments Roth IRAs are reported as tax-free income,since distributions may be tax-free after meeting the 5 year aging for inflation in accordance with terms of the SIPC statute and approval by SIPC's Board of Directors. NFS also requirement and certain other conditions.A financial statement of NFS is available for your personal has arranged for coverage above these limits.Neither coverage protects against a decline in the market value inspection at its office or a copy of it will be mailed to you upon your written request, of securities,nor does either coverage extend to certain securities that are considered ineligible for coverage. Statement Mailing.NFS will deliver statements by mail or,if applicable,notify you by e-mail of your For more details on SIPC,or to request a SIPC brochure,visit www.sipc.org or call 1-202-371-8300.Funds statement's availability,if you had transactions that affected your cash balances or security positions held in used to purchase or sweep to a bank deposit are SIPC protected until deposited to a Program Bank at which your account(s)during the last monthly reporting period.At a minimum,all brokerage customers will receive time funds may be eligible for FDIC insurance.Assets Held Away,commodities,unregistered investment quarterly statements(at least four times per calendar year)as long as their accounts contain a cash or contracts,futures accounts,loaned securities and other investments may not be covered.Mutual funds andlor securities balance. other securities are not backed or guaranteed by any bank,nor are they insured by the FDIC and involve Loads and Fees.In addition to sales loads and 12b-1 fees described in the prospectus,NFS or your investment risk including possible loss of principal. broker-dealer receives other compensation in connection with the purchase and/or the on-going maintenance End of Statement 100924 COMMONWEALTH FINANCIAL NETWORK Account carried with National Financial Services LLC,Member NYSE,SIPC MN _CEBBGHTNBBBPFBB_BBBBF 20140228 Page 7 of 8 ESTATE OF JANICE MCLAREN NO . 21 - 14-0206 COPY - COMMONWEALTH FINANCIAL , ACCOUNT NO . 133S-278360 - VALUATION INFORMATION & FEBRUARY 2014 STATEMENT Estate Valuation Date of Death: 02/05/2014 Estate of: Estate of Janice L. McLaren (34297-0001) Valuation Date: 02/05/2014 Account: Commonwealth Account No. B3S-278360 Processing Date: 10/23/2014 Report Type: Date of Death Number of Securities: 4 File ID: Mclaren - Commonwealth Shares Security Mean and/or Div and Int Security or Par Description High/Ask Low/Bid Adjustments Accruals Value 1) 132,546 NUVEEN INVT FDS INC (NRIIX) RL ASST INCM I Mutual Fund values reported to NASDAQ 02/05/2014 22.18000 Mkt 22,180000 2,939.87 2) 90.564 PRUDENTIAL SECTOR FDS INC (PHSZX) JNS HLTH SCI Z Mutual Fund (as quoted by NASDAQ) 02/05/2014 44.94000 Mkt 44.940000 4,070.84 3) 207.777 STERLING CAP FDS (BEGIX) SC EQ INC INSTNL Mutual Fund (as quoted by NASDAQ) 02/05/2014 17.51000 Mkt 17.510000 3,636.18 4) 1199.995 PIONEER STRATEGIC INCOME FD (723864409; S7RYX) CL Y Mutual Fund (as quoted by NASDAQ) 02/05/2014 10.86000 Mkt 10,860000 13,031.95 Daily Div. Accrual as of 02/05/2014 7.53 Total Value: $23,680.84 Total Accrual: $7,53 Total: $23,688.37 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 7.4.0) ENV# CEBBGHTNBBBPFBB BBBBC COMMONWEALTH FINANCIAL NETWORK 29 SAWYER ROAD WALTHAM,MA 02453 A COMMONWEALTH '4 4 -40 financial network JANICE L MCLAREN TOD BENES ON FILE 6 KESWICK OR MECHANICSBURG PA 17050 STATEMENT FOR THE PERIOD FEBRUARY 1,2014 TO FEBRUARY 28,2014 JANICE L MCLAREN-Individual TOD Account Number:B3S-278360 YOUR ACCOUNT REPRESENTATIVE For questions about your accounts: TOTAL VALUE OF YOUR PORTFOLIO $25,429.74 IS Local: 703 425 9330 RICHARD CERNOHORSKY RR#:NI-3 FOR YOUR INFORMATION CHANGE IN VALUE OF YOUR PORTFOLIO SECURITIES OFFERED TIIROUGH COMMONWEALTH FINANCIAL NETWORK $thousands MEMBER FINRA,Sl PC.YOU CAN CONTACT COMMON W EALTH AT 781-736-0700. 60.000 45.000 30.000 , 15.000 0.000 06/11 09/11 12/11 03112 06/12 09112 12/12 03/13 06113 09113 12113CURRENT Change In Value Of Your Portfolio information can he%ound in Miscellaneous Footnotes at the end of this statement. COMMONWEALTH FINANCIAL NETWORK Account carried with National Financial Services LLC,Member NYSE,SIPC MN _CEBBGHTNBBRPFRR_BRBRC 20140228 Page 1 of 10 Statement for the Period February 1,2014 to February 28,2014 JANICE L MCLAREN-Individual TOD Account Number: B3S-278360 COMMONWEALTH financial network Account Overview CHANGE IN ACCOUNT VALUE Current Period Year-to-Date ACCOUNT ALLOCATION BEGINNING VALUE $24,702.91 $24,471.62 Bank Deposits 3.5% Additions and Withdrawals $0.00 $0.00 Income $59.47 $115.48 Taxes,Fees and Expenses $41.73 ($34.92) Change in Investment Value $625.63 $877.56 Equities 44.7% Fixed Income 51.8 ENDING VALUE(AS OF 02/28/14) $25,429.74 $25,429.74 Refer to A4isceflaneous Footnotes fur more information on Change in Investment Value. � Percent Prior Period Current Period TAXABLE Current Period Year-to-Dateo Bank Deposits 3.5 /o $848.59 $890.32 Taxable Dividends $59.47 $11548 Equities 44.7 $10,856.88 $11,375.47 TOTAL TAXABLE $59.47 $115.48 Fixed Income 51.8 $12,997.44 $13,163.95 TOTAL INCOME $59.47 $115.48 TOTAL 100.0% $24,702.91 $25,429.74 Taxable income is determined based on information available to NFS at the time the statement was prepared,and is subject to change.Final information on taxation of interest and dividends is available Aecount Allocation shows the percentage that each asset class represents of Your fatal accoimt value. on Form 1099-Div,which is mailed in February of the subsequent rear. Account Allocation fur equities,fixed incame,and other categories mar include mutual fimds and mai, he net ojshort positions.NFS has made assumptions concerning how certain mutual funds are allocated Closed-end mutual funds and Exchange Traded Funds(ETFs)listed on an exchange may be included in the equity allocation.The chart may not reflect your actual portfolio allocation.Consult your broker/dealer prior to making investment decisions. TAXES,FEES AND EXPENSES Current PeriodF Year-to-Date Account Fees $41.73 ($34.92) TOTAL TAXES,FEES AND EXPENSES $41.73 ($34.92) COMMONWEALTH FINANCIAL NETWORK Account carried with National Financial Services LLC,Member NYSE,SIPC MN _CEBBGHTNBBBPFBB BBBBC 20140228 Page 2 of 10 Statement for the Period February 1,2014 to February 28,2014 JANICE L MCLAREN-Individual TOD Account Number: B3S-278360 A COMMONWEALTH finantud network Account Overview continued MESSAGES AND ALERTS Commonwealth Financial Network advisory clients may request our Form ADV Part 11 by writing to Commonwealth Financial Network Mail Stop ADV Offer 29 Sawyer Road Waltham,MA 02453.Please include your name,address,and account number in your request. COMMONWEALTH FINANCIAL NETWORK Account carried with National Financial Services LLC,Member NYSE,SIPC MN _CEBBGHTNBBBPFBB_BBBBC 20140228 Page 3 of 10 Statement for the Period February 1,2014 to February 28,2014 JANICE L MCLAREN-Individual TOD COMMONWEALTH Account Number: B3S-278360 Financial network 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-3.50%of Total Account Value symbol/Cusip Price on Current Estimated Description Account Type Quantity 02/28/14 Market Value Annual Income Bank Deposits Bank deposits are not securities and are not covered by the Securities Investor Protection Corporation(SIPC). Funds used to purchase or sweep to a bank deposit are SIPC protected until deposited to a Program Bank at which time funds may be eligible for FDIC insurance. Customers are responsible for monitoring their total deposits at each Program Bank to determine the extent of available FDIC insurance.Refer to the Bank Deposit Detail section which appears later in this statement for information on the banks holding your deposits.If your account was established on the last business day of this month,your statement will not include a Bank Deposit Detail section. BANK DEPOSIT SWEEP PROGRAM OPRMO 890.32 $1.00 $890.32 CASH Total Cash and Cash Equivalents $890.32 HOLDINGS>MUTUAL FUNDS -96.50%of Total Account Value aa.s-r,;,r;..,..:k:>..:-�_.,..m...0 :G."-' 3.m,:,'�. - `�:�K'm_:«-�,rrsses�btr:.Esz�ua:2fi�!' ?�+':-m.L s":-ax2rtc....amrm•„a�z. .r� .'�'Mc-ays.-eAw Symbol/Cusip Price on Current Estimated Total Unrealized Description Account Type Quantity 02128/14 Markel Value Annual Income Cost Basis Gain(Loss) Equity NUVEEN REAL ASSET INCOME FUND 1 SHRS NRIIX 132.546 $22.80 $3,022.05 $331.05 $2,939.88 $82.17 Estimated Yield 10.95% CASH Dividend Option Reinvest Capital Gain Option Reinvest PRUDENTIAL JENNISON HEALTH SCIENCES 2 PHSZX 90.584 $50.15 $4.542.79 $4,070.85 $471.94 Dividend Option Reinvest CASH Capital Gain Option Reinvest COMMONWEALTH FINANCIAL NETWORK Account carried with National Financial Services LLC,Member NYSE,SIPC MN _CEBBGHTNBBBPFBB_BBBBC 20140228 Page 4 of 10 Statement for the Period February 1,2014 to February 28,2014 JANICE L MCLAREN-Individual TOD Account Number: B3S-278360 COMMONWEALTH A 'A *a financial network HOLDINGS>MUTUAL FUNDS continued Symbol/Cusip Price on Current Estimated Total Unrealized Description Account Type Quantity 02/28/14 Market Value Annual Income Cost Basis Gain(Loss) STERLING CAPITAL EQUITY INCOME CL I BEGIX 207.777 $18.34 $3,810.63 $60.72 $3,638.16 $172.47 Estimated Yield 1.59%u CASH Dividend Option Reinvest Capital Gain Option Reinvest Total Equity $11,375.47 $391.77 $10,648.89 $726.58 Fixed Income PIONEER STRATEGIC INCOME FD CL Y STRYX 1,199.995 $10.97 $13,163.95 $607.35 $13,031.96 $131.99 Estimated Yield 4.61% CASH Dividend Option Reinvest Capital Gain Option Reinvest Total Mutual Funds $24,539.42 $999-12 $23,680.85 $858.57 Total Securities $24,539.42 $999.12 $23,680.85 $858.57 TOTAL PORTFOLIO VALUE $25,429.74 $999.12 $23,680.85 $858.57 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 01131/14 CASH REINVESTMENT NUVEEN REAL ASSET INCOME FUND 1 0.583 ($12.97) SHRS REINVEST @$22.260 COMMONWEALTH FINANCIAL NETWORK Account carried with National Financial Services LLC,Member NYSE,SIPC MN _CEBBGHTNBBBPFBB_BBBBC 20140228 Page 5 of 10 Statement for the Period February 1,2014 to February 28,2014 JANICE L MCLAREN-Individual TOD Account Number: 835-278360 COMMONWEALTH .4 4 A® financial network TRADING continued Settlement Account Total Realized Date Type Transaction Description Quantity Amount Cost Basis Gain(Loss) 01/31114 CASH REINVESTMENT PIONEER STRATEGIC INCOME FD CL Y 4.278 (546.50) REINVEST 5 S10.870 Total Securities Purchased ($59.47) ACTIVITY>CORE FUND ACTIVITY Settlement Account Date Type Transaction Description - Quantity Amount 02/14114 CASH YOU BOUGHT BANK DEPOSIT SWEEP PROGRAM @ 1 41.73 ($41.73) TOTAL CORE FUND ACTIVITY ($41.73) ACTIVITY>INCOME>TAXABLE INCOME Settlement Account Date Type Transaction Description Quantity Amount Taxable Dividends 01/31/14 CASH DIVIDEND RECEIVED NUVEEN REAL ASSET INCOME FUND 1 $12.97 SHRS 01/31/14 CASH DIVIDEND RECEIVED PIONEER STRATEGIC INCOME FD CL Y $46.50 Total Taxable Dividends $59.47 Total Taxable Income $59.47 TOTAL INCOME $59.47 COMMONWEALTH FINANCIAL NETWORK Account carried with National Financial Services LLC,Member NYSE,SIPC MN _CEBBGHTNBBBPFBB_BBBBC 20140228 Page 6 of 10 Statement for the Period February 1,2014 to February 28,2014 JANICE L MCLAREN-Individual TOD Account Number: B3S-278360 4 COMMONWEALTH -4 .4 *0 financial network ACTIVITY>TAXES,FEES AND EXPENSES Settlement Account Date Type Transaction Description Quantity Amount Account Fees 02114114 CASH ADJ PORTF SRVCS.FEE Fee Rebate 02112/14-03131114 $41.73 Total Account Fees $41.73 TOTAL TAXES,FEES AND EXPENSES $41.73 ACTIVITY>BANK DEPOSIT DETAIL Bank deposits are not securities and are not covered by the Securities Investor Protection Corporation(SIPC).Customers are responsible for monitoring their total deposits at each Program Bank to determine the extent of available FDIC insurance. Your Ending Balance at each Program Bank as of the end of this statement period is shown below. Funds pending settlement reflect deposits to(credit)or withdrawals from(debit)a Program Bank. Subject to the terms of the applicable bank deposit disclosure,customers are reminded that funds are deposited to a Program Bank on the business day following the date that funds are credited to your account and until swept to a Program Bank,funds are covered by SIPC. Beginning Ending Bank _ Balance Balance Bank of the West $0.00 $41.73 Goldman Sachs Bank $848.59 $848.59 Total Bank Deposits S848.59 $890.32 COMMONWEALTH FINANCIAL NETWORK Account carried with National Financial Services LLC,Member NYSE,SIPC MN _CEBBGHTNBBBPFBB_BBBBC 20140228 Page 7 of 10 Statement for the Period February 1,2014 to February 28,2014 JANICE L MCLAREN-Individual TOD Account Number: B3S-278360 4 COMMONWEALTH 14 44A -4® financial network 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 are 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-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-B 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 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 1099-B 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-1 issued by April 15th of the following year. Consult your tax advisor for further information. Miscellaneous Footnotes u:�wCla'n.. ._. ... .J3.16C.C-m'o`i'LJPi?:KA'a•, L`/2.¢. .. T'^ ,C3.:,".'V�:!Y.hsti8�9E!..f.,F.�.C. �_AP.FAKS w:-�Kd".'...-9..'-.-:'..�. ..S�f1T. P,."ifmY'.. _ 1^^.-'SA 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. COMMONWEALTH FINANCIAL NETWORK Account carried with National Financial Services LLC,Member NYSE,SIPC MN CEBBGHTNBBBPFBB BBBBC 20140228 Page 8 of 10 Statement for the Period February 1,2014 to February 28,2014 Account Number: B3S 2 8360a1 TOD A COMMONWEALTH '44 4® financial network Miscellaneous Footnotes continued 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 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-B. 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-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. COMMONWEALTH FINANCIAL NETWORK Account carried with National Financial Services LLC,Member NYSE,SIPC MN _CEBBGHTNBBBPFBB_BBBBC 20140228 Page 9 of 10 GLOSSARY Short Account Balances-1f 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. 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")-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 and/or 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 EAI 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 of positions in certain mutual fund shares and other investment products in your brokerage account.This or concerns regarding your brokerage account or the activity therein should be directed to your broker-dealer at additional compensation may be paid by the mutual fund or other investment product,its investment advisor or the telephone number and address reflected on the front of this statement.National Financial Services LLC one of its affiliates.Additional information about the source(s)and amount(s)of compensation as well as other ("NFS'),who carries your brokerage account and acts as your custodian for funds and securities that are remuneration received by NFS or your broker-dealer will be furnished to you upon written request.At time of deposited with NFS by you or your broker-dealer,or as a result of transactions NFS processes for your account, purchase,fund shares may be assigned a transaction fee or no transaction fee status.At time of sale, may also be contacted for statement discrepancies.NFS may be called at(800)801-9942.Any oral applicable fees will be based on that status. communications regarding inaccuracies or discrepancies should be reconfirmed in writing to protect your Margin.If you have applied for margin privileges and been approved,you may borrow money from NFS In rights,including those under the Securities investor Protection Act("SIPA").When contacting either NFS or exchange for pledging the assets in your account as collateral for any outstanding margin loan.The amount your broker-dealer,remember to include your entire brokerage account number to ensure a prompt reply. you may borrow is based on the value of securities in your margin account,which is identified on your Please notify your broker-dealer promptly in writing of any change of address. statement.if you have a margin account,this is a combined statement of your margin account and special ADDITIONAL INFORMATION Customer free credit balances are not segregated and may be used in NFS memorandum account other than your non-purpose margin accounts maintained for you under Section 220.5 business,subject to the limitations of 17CFR Section 240.15c3-2 under the Securities and Exchange Act of of Regulation T issued by the Board of Governors of the Federal Reserve Board.The permanent record of the 1934.You have the right to receive from NFS in the course of normal business operations,subject to open separate account.as required by Regulation T.is available for your inspection upon request. commitments in any of your brokerage accounts,any free credit balances to which you are entitled or any fully NYSE and FINRA.All transactions are subject to the constitution,rules,regulations,customs,usages,rulings paid securities to which you are entitled and any securities purchased on margin upon full payment of any and interpretations of the exchange market and its clearing house,if any,where the transactions are executed, indebtedness to NFS.Interest on free credit balances awaiting reinvestment may be paid out at rates that may and of the New York Stock Exchange(NYSE)and of the Financial Industry Regulatory Authority('FINRA").The vary with current short-term money market rates and/or your brokerage account balances,set at the discretion FINRA requires that we notify you in writing of the availability of an investor brochure that includes information of your broker-dealer and/or NFS. describing FINRA Regulation's BrokerCheck Program("Program").To obtain a brochure or more information Credit Adjustment Program.Accountholders receiving payments in lieu of qualified dividends may not be about the Program or FINRA Regulation,contact the FINRA Regulation BrokerCheck Program Hotline at(800) eligible to receive credit adjustments intended to help cover additional associated federal tax burdens. NFS 289-9999 or access the FINRA's web site at www.finra.org. reserves the right to deny the adjustment to any accountholder and to amend or terminale the credit adjustment FINRA Rule 4311 requires that your broker-dealer and NFS allocate between them certain functions regarding program. the administration of your brokerage account.The following is a summary of the allocation services performed Options Customers.Each transaction confirmation previously delivered to you contains full information about by your broker-dealer and NFS.A more complete description is available upon request. commissions and other charges.If you require further information,please contact your broker-dealer. Your broker-dealer is responsible for:(1)obtaining and verifying brokerage account information and Assignments of American and European-style options are allocated among customer short positions pursuant documentation,(2)opening,approving and monitoring your brokerage account,(3)transmitting timely and to a random allocation procedure,a description of which is available upon request. Short positions in accurate orders and other instructions to NFS with respect to your brokerage account,(4)determining the American-style options are liable for assignment at any time. The writer of a European-style option is subject to suitability of investment recommendations and advice,(5)operating,and supervising your brokerage account exercise assignment only during the exercise period.You should advise your broker-dealer promptly of any and its own activities in compliance with applicable laws and regulations including compliance with margin material change in your investment objectives or financial situation.Splits,Dividends,and Interest. rules pertaining to your margin account,if applicable,and(6)maintaining required books and records for the Expected stock split,next dividend payable,and next interest payable information has been provided by third services that it performs. parties and may be subject to change.Information for certain securities may be missing if not received from NFS shall,at the direction of your broker-dealer:(1)execute,clear and settle transactions processed third parties in time for printing.NFS is not responsible for inaccurate,incomplete.or missing information. through NFS by your broker-dealer.(2)prepare and send transaction confirmations and periodic statements of Please consult your broker-dealer for more information about expected stock split,next dividend payable,and your brokerage account(unless your broker-dealer has undertaken to do so).Certain securities pricing and next interest payable for certain securities. descriptive information may be provided by your broker-dealer or obtained from third parties deemed to be Equity Dividend Reinvestment Customers. Shares credited to your brokerage account resulted from reliable,however,this information has not been verified by NFS.(3)act as custodian for funds and securities transactions effected as agent by either:1)Your broker-dealer for your investment account,or 2)through the received by NFS on your behalf,(4)follow the instructions of your broker-dealer with respect to transactions Depository Trust Company(DTC)dividend reinvestment program.For broker-dealer effected transactions.the and the receipt and delivery of funds and securities for your brokerage account,and(5)extend margin credit for time of the transactions,the exchange upon which these transactions occurred and the name of the person purchasing or carrying securities on margin.Your broker-dealer is responsible for ensuring that your brokerage from whom the security was purchased will be furnished upon written request.NFS may have acted as market account is in compliance with federal,industry and NFS margin rules,and for advising you of margin maker in effecting trades in'over-the-counter'securities. requirements.NFS shalt maintain the required books and records for the services it performs. Retirement Contributions/Distributions.A summary of retirement contributions/distributions is displayed for Securities in accounts carried by NFS are protected in accordance with the Securities Investor Protection you in the activity summary section of your statement.lncome Reporting.NFS reports earnings from Corporation("SIPC')up to$500,000. For claims filed on or after July 22,2010,the 5500,000 total amount of investments in Traditional IRAs,Rollover IRAs,SEP-IRAs and,Keoghs as tax-deferred income.Earnings from SIPC protection is inclusive of up to$250.000 protection for claims for cash,subject to periodic adjustments Roth IRAs are reported as tax-free income,since distributions may be tax-free after meeting the 5 year aging for inflation in accordance with terms of the SIPC statute and approval by SIPC's Board of Directors. NFS also requirement and certain other conditions.A financial statement of NFS is available for your personal has arranged for coverage above these limits.Neither coverage protects against a decline in the market value inspection at its office or a copy of it will be mailed to you upon your written request. of securities,nor does either coverage extend to certain securities that are considered ineligible for coverage. Statement Mailing.NFS will deliver statements by mail or,if applicable.notify you by e-mail of your For more details on SIPC,or to request a SIPC brochure,visit www.sipc.org or call 1.202-371-8300.Funds statement's availability,if you had transactions that affected your cash balances or security positions held in used to purchase or sweep to a bank deposit are SIPC protected until deposited to a Program Bank at which your account(s)during the last monthly reporting period.At a minimum,all brokerage customers will receive time funds may be eligible for FDIC insurance.Assets Held Away,commodities,unregistered investment quarterly statements(at least four times per calendar year)as long as their accounts contain a cash or contracts,futures accounts,loaned securities and other investments may not be covered.Mutual funds and/or securities balance. other securities are not backed or guaranteed by any bank,nor are they insured by the FDIC and involve Loads and Fees.In addition to sales loads and 12b-1 fees described in the prospectus,NFS or your investment risk including possible loss of principal. broker-dealer receives other compensation in connection with the purchase and/or the on-going maintenance End of Statement 100924 COMMONWEALTH FINANCIAL NETWORK Account carried with National Financial Services LLC,Member NYSE,SIPC MN CEBBGIiTNBBBPPBB_BBBBC 20140228 Page 10 o1 10 ESTATE OF JANICE MCLAREN NO . 21 - 14-0206 COPY - COMMONWEALTH FINANCIAL , IRA ACCOUNT NO . B36-991988 - VALUATION INFORMATION & FEBRUARY 2014 STATEMENT Estate Valuation Date of Death: 02/05/2014 Estate of: Estate of Janice McLaren 34297-0001 Valuation Date: 02/05/2014 Account: Commonweath IRA Account Processing Date: 10/23/2014 Report Type: Date of Death Number of Securities: 12 File ID: McLaren - Commonwealth IRA Shares Security Mean and/or Div and Int Security or Par Description High/Ask Low/Bid Adjustments Accruals Value 1) 2099.472 DEUTSCHE GLOBAL / INTL FD INC (TOLSX) GLOBAL INFR S Mutual Fund (as quoted by NASDAQ) 02/05/2014 13.15000 Mkt 13.150000 27,608.06 2) 528.646 FIRST EAGLE FDS INC (3200EF606; SGIIX) GLOBAL FD CL I Mutual Fund (as quoted by NASDAQ) 02/05/2014 52.29000 Mkt 52.290000 27,642.90 3) 447.172 IVY FDS INC (ISTIX) SCI 6 TECHNO I Mutual Fund (as quoted by NASDAQ) 02/05/2014 54.73000 Mkt 54.730000 24,473.72 4) 1080.625 MATTHEWS ASIAN FDS (577125107; MAPIX) ASIA DV FD INVST Mutual Fund (as quoted by NASDAQ) 02/05/2014 14.53000 Mkt 19.530000 15,701.48 5) 1090.348 PRINCIPAL FDS INC (PMCPX) MIDCAP FUND CL P Mutual Fund values reported to NASDAQ 02/05/2014 19.46000 Mkt 19.960000 21,218.17 6) 430.264 PRUDENTIAL SECTOR FDS INC (PHSZX) JNS HLTH SCI Z Mutual Fund (as quoted by NASDAQ) 02/05/2014 44.94000 Mkt 44,990000 19,336.06 7) 1992.162 STERLING CAP FDS (BEGIX) SC EQ INC INSTNL Mutual Fund (as quoted by NASDAQ) 02/05/2014 17.51000 Mkt 17.510000 34,8E2.76 8) 2147.525 SUNAMERICA FOCUSED SER INC (FDSAX) FOCUS DIV STR A Mutual Fund (as quoted by NASDAQ) 02/05/2014 15.96000 Mkt 15.960000 34,274.50 9) 2649.342 UNIFIED SER TR (IFUNX) IRON STRAT INC Mutual Fund (as quoted by NASDAQ) 02/05/2014 11.66000 Mkt 11.660000 30,999.31 10) 3576.566 IVY FDS INC (466000122; IVHIX) HI INC FD CL I Mutual Fund (as quoted by NASDAQ) 02/05/2014 8.65000 Mkt 8.650000 30,937,97 Daily Div. Accrual as of 02/05/2014 47.35 11) 2497.1 PIMCO FDS (72201F474; PONAX) INCOME FD CL A Mutual Find (as quoted by NASDAQ) 02/05/2014 12.39000 Mkt 12.390000 30,939.07 Daily Div. Accrual as of 02/05/2014 20.21 Page 1 This report was produced with EstateVal, a product of Estate Valuations s Pricing Systems, Inc. If you have questions, please contact EVP Systems at (8181 313-6300 or www.evpsys.com. (Revision 7.9.0) Date of Death: 02/05/2014 Estate of: Estate of Janice McLaren 34297-0001 Valuation Date: 02/05/2014 Account: Commonweath IRA Account Processing Date: 10/23/2014 Report Type: Date of Death Number of Securities: 12 File ID: McLaren - Commonwealth IRA Shares Security Mean and/or Div and Int Security or Par Description High/Ask Low/Bid Adjustments Accruals Value 12) 3602.272 TOUCHSTONE FDS GROUP TR (89155H678; TSDOX) UL SHRTDUR FIX Mutual Fund (as quoted by NASDAQ) 02/05/2014 9.44000 Mkt 9.440000 34,005.45 Daily Div. Accrual as of 02/05/2014 6.65 Total Value: $331,963.95 Total Accrual: $74.21 Total: $332,039.16 Page 2 This report was produced with EstateVal, a product of Estate Valuations 5 Pricing Systems, Inc. If you have questions, please contact EVP Systems at (818) 313-6300 or www.evpsys.com. (Revision 7.4.0) ENVN CEBBGHTNBBBPFBB BBBBD COMMONWEALTH FINANCIAL NETWORK 29 SAWYER ROAD WALTHAM,MA 02453 COMMONWEALTH A .4 40 financial network NFSIFMTC IRA FBO JANICE L MCLAREN 6 KESWICK DR MECHANICSBURG PA 17050 STATEMENT FOR THE PERIOD FEBRUARY 1,2014 TO FEBRUARY 28,2014 JANICE L MCLAREN-Premiere Select IRA Account Number:B36-991988 YOUR ACCOUNT REPRESENTATIVE For questions about your accounts: TOTAL VALUE OF YOUR PORTFOLIO $353,189.99 IS Local: 703 425 9330 RICHARD CLRNOHORSKY RR#:NL3 FOR YOUR INFORMATION_ CHANGE IN VALUE OF YOUR PORTFOLIO SECURITIES OFFERED THROUGH COMMONWEALTH FINANCIAL NETWORK $thousands MEMBER FINRA,SIPC.YOU CAN CONTACT COMMONWEALTH AT 781-736-0700. 400.000 300.000 200.000 100.000 0.000 2010 2011 2012 2013 CURRENT Change In Value Of Your Portfolio information can be found in Miscellanemit Footnotes at the end aJ Ibis .statement. COMMONWEALTH FINANCIAL NETWORK Account carried with National Financial Services LLC,Member NYSE,SIPC MN _CEBBGHTNBBBPFBB BBBBD 20140228 Page 1 of 12 Statement for the Period February 1,2014 to February 28,2014 JANICE L MCLAREN-Premiere Select IRA Account Number: B36-991988 A COMMONWEALTH financial network Account Overview CHANGE IN ACCOUNT VALUE Current PeriodRm6 Year-to-Date ACCOUNT ALLOCATION BEGINNING VALUE $342,804.23 $347,246.93 Bank Deposits 2.2% Additions and Withdrawals $0.00 $0.00 Income $170.43 $667.12 Fixed Income 36.2% Taxes,Fees and Expenses $709.69 ($593.82) Other Activity $0.00 $30.00 A Change in Investment Value $9,505.64 $5,839.76 Equities 61.6% ENDING VALUE(AS OF 02/28/14) $353,189.99 $353,189.99 Refer to Miscellaneous Faomores for more information on Change in Investment Volue. Percent Prior Period Current Period RETIREMENT CONTRIBUTIONS/DISTRIBUTIONS Bank Deposits 2.2% $6,920.08 $7,629.82 CONTRIBUTIONS Current Period Year-to-Date Equities 61.6 $209.226.70 $217,727.57 For Current Year 2014 $0.00 $0.00 Fixed Income 36.2 $126,657.45 $127,832.60 For Prior Year 2013 $0.00 $0.00 TOTAL 100.0% $342,804.23 $353,189.99 DISTRIBUTIONS Account Allocation shows the percentage that each asset class represents of tour totul accmmt value. Account Allocation jar equities,faced income,and other categuries moy include mutual funds and may For Current Year 2014 $0.00 $0.00 be net of shoripatitions.NFS has made assumptions concerning how certain mutual finds are allocated.Closed-end mutual funds and Exchange Traded Funds(ETFs)listed on an exchange may . ._>-•�.... __ x -,�.-�e. be included in rite equity allocation.The chart may not reflect your actual pmrfolro allocation.Consult INCOME Current Period Year-to-Date }roar broker/dealer prior m making investment decisions. Dividends $170.38 $667.02 Interest $0.05 $0.10 TOTAL INCOME $170.43 $667.12 All income a tax deferred until it is distributed from the account. TAXES,FEES AND EXPENSES Current Period mYear-to-Date Account Fees $709.69 ($593.82) COMMONWEALTH FINANCIAL NETWORK Account tamed with National Financial Services LLC,Member NYSE,SIPC MN _CEBBGHTNBBBPFBB_BBBBD 20140228 Page 2 of 12 Statement for the Period February 1,2014 to February 28,2014 JANICE L MCLAREN-Premiere Select IRA Account Number: B36-991988 A COMMONWEALTH -4 -440 financial network Account Overview continued TAXES,FEES AND EXPENSES cowimed Current Period Year-to-Date TOTAL TAXES,FEES AND EXPENSES $709.69 ($593.82) MESSAGES AND ALERTS�� � � ¢� ��� -��� Commonwealth Financial Network advisory clients may request our Form ADV Part 11 by writing to Commonwealth Financial Network Mail Stop ADV Offer 29 Sawyer Road Waltham,MA 02453.Please include your name,address,and account number in your request. COMMONWEALTH FINANCIAL NETWORK Account carried with National Financial Services LLC,Member NYSE,S{PC MN _CEBBGHTNBBBPFBB_BBBBD 20140228 Page 3 of 12 Statement for the Period February 1,2014 to February 28,2014 JANICE L MCLAREN-Premiere Select IRA Account Number: B36-991988 A4 COMMONWEALTH 14 AAA '40 financial network Holdings The account cost and associated gain(loss)is provided for informational purposes only and should not be used for tax-reporting purposes. Such information is provided to help you estimate and track the change in market value of each position relative to your investment into this security(not including reinvestments). Please refer to Footnotes and Cost Information at the end of this statement for more information. CASH AND CASH EQUIVALENTS-2.16%of Total Account Value ... ... —_ •Gi'd.X�- --_Mkt.a.r'[,.�3.-../-,'.cs:+'dl�T..•sSi':.8'..^M.e�'sY�. SymbollCusip Price on Current Estimated DescriptionAccount Type Quantity 02/28/14 Market Value Annual Income Bank Deposits Bank deposits are not securities and are not covered by the Securities Investor Protection Corporation(SIPC). Funds used to purchase or sweep to a bank deposit are SIPC protected until deposited to a Program Bank at which time funds may be eligible for FDIC insurance. Customers are responsible for monitoring their total deposits at each Program Bank to determine the extent of available FDIC insurance.Refer to the Bank Deposit Detail section which appears later in this statement for information on the banks holding your deposits.If your account was established on the last business day of this month,your statement will not include a Bank Deposit Detail section. BANK DEPOSIT SWEEP PROGRAM OPRMO 7,629.82 $1.00 $7,629.82 Estimated Annual Yield 0.01% CASH Total Cash and Cash Equivalents 57,629.82 HOLDINGS>MUTUAL FUNDS-97.84%of Total Account Value SymbolfCusip Price on Current Estimated Net Description Account Type Quantity 02/28/14 Market Value Annual Income Cost Change Equity DWS RREEF GLOBAL INFRASTRUCTURE FD S TOLSX 2,099.472 $13.87 $29,119.68 $445.98 $27,125.69 $1,993.99 Estimated Yield 1.53% CASH Dividend Option Reinvest Capital Gain Option Reinvest FIRST EAGLE GLOBAL CLASS 1 SGIIX 528.646 $54.86 $29,001.52 $414.46 $25,537.16 $3,464.36 Estimated Yield 1.42% CASH Dividend Option Reinvest Capital Gain Option Reinvest COMMONWEALTH FINANCIAL NETWORK Account carried with National Financial Services LLC,Member NYSE,SIPC MN _CEBBGHTNBBBPFBB_BBBBD 20140228 Page 4 of 12 Statement for the Period February 1,2014 to February 28,2014 JANICE L MCLAREN-Premiere Select IRA Account Number: B36-991988 A COMMONWEALTH A�A�*® financial network HOLDINGS>MUTUAL FUNDS continued Symbol/Cusip Price on Current Estimated Net Description Account Type Quantity 02/28/14 Market Value Annual Income Cost Change IVY SCIENCE 8 TECHNOLOGY FUND CL I ISTIX 447.172 $58.81 $26,298.19 $588.84 $19,193.82 $7,104.37 Estimated Yield 2.23% CASH Dividend Option Reinvest Capital Gain Option Reinvest MATTHEWS ASIA DIVIDEND FUND MAPIX 1,080.625 $15.22 $16,447.11 $652.61 $16,133.00 $314.11 Estimated Yield 3.96% CASH Dividend Option Reinvest Capital Gain Option Reinvest PRINCIPAL MIDCAP FUND CL P PMCPX 1,090.348 $20.81 $22,690.14 $45.90 $19,363.59 53,326.55 Estimated Yield 0.20% CASH Dividend Option Reinvest Capital Gain Option Reinvest PRUDENTIAL JENNISON HEALTH SCIENCES Z PHSZX 430.264 $50.15 $21,577.74 $13,539.39 $8,038.35 Dividend Option Reinvest CASH Capital Gain Option Reinvest STERLING CAPITAL EQUITY INCOME CL I BEGIX 1,992.162 $18.34 536,536.25 5582.17 $32,589.36 $3,946.89 Estimated Yield 1.59% CASH Dividend Option Reinvest Capital Gain Option Reinvest SUNAMERICA FOCUSED DIVIDEND STRAT CL A FDSAX 2,147.525 $16.79 $36,056.94 $813.01 $32,002.04 $4,054.90 Estimated Yield 2.25% CASH Dividend Option Reinvest Capital Gain Option Reinvest Total Equity $217,727.57 $3,543.97 $185,484.05 $32,243.52 Fixed Income IRON STRATEGIC INCOME FD INSTL IFUNX 2,649.342 $11.84 $31,368.21 $1,099.15 $30,535.40 $832.81 Estimated Yield 3.50% CASH Dividend Option Reinvest Capital Gain Option Reinvest IVY HIGH INCOME CLASS I IVHIX 3,576.586 $8.75 $31,295.13 $2,217.80 $28,788.73 $2,506.40 Estimated Yield 7.08% CASH Dividend Option Reinvest Capital Gain Option Reinvest COMMONWEALTH FINANCIAL NETWORK Account carried with National Financial Services LLC,Member NYSE,SIPC MN _CEBBGHTNBBBPFBB_BBBBD 20140228 Page 5 of 12 Statement for the Period February 1,2014 to February 28,2014 JANICE L MCLAREN-Premiere Select IRA COMMONWEALTH Account Number: B36-991988 financial network HOLDINGS>MUTUAL FUNDS continued Symbol/Cusip Price on Current Estimated Net Description Account Type Quantity 02/28/14 Market Value Annual Income Cost Change PIMCO INCOME FUND CL A PONAX 2,497.1 $12.48 $31,163.81 $1,552.16 $30,520.40 $643.41 Estimated Yield 4.98% CASH Dividend Option Reinvest Capital Gain Option Reinvest TOUCHSTONE ULTRA SHR DUR FIX INC CL Z TSDOX 3,602.272 $9.44 $34,005.45 $539.90 $33,907.11 $98.34 Estimated Yield 1.58% CASH Dividend Option Reinvest Capital Gain Option Reinvest Total Fixed Income $127,832.60 $5,409.01 $123,751.64 $4,080.96 Total Mutual Funds $345,560.17 $8,952.98 $309,235.69 $36,324.48 Total Securities $345,560.17 $8,952.98 $309,235.69 $36,324.48 TOTAL PORTFOLIO VALUE $353,189.99 $8,952.98 $309,235.69 $36,324.48 Activity The account cost and associated gain(loss)is provided for informational purposes only and should not be used for tax-reporting purposes. Such information is provided to help you estimate and track the change in market value of each position relative to your investment into this security(not including reinvestments). Please refer to Footnotes and Cost Information at the end of this statement for more information. TRADING Settlement Account V Transaction Date Type Transaction Description Quantity Amount Cost Gain(Loss) Securities Purchased 01/31/14 CASH REINVESTMENT PIMCO INCOME FUND CL A REINVEST 10.412 ($128.90) @$12.380 COMMONWEALTH FINANCIAL NETWORK Account carried with National Financial Services LLC,Member NYSE,SIPC MN _CEBBGHTNBBBPFBB_BBBBD 20140228 Page 6 of 12 Statement for the Period February 1,2014 to February 28,2014 JANICE L MCLAREN-Premiere Select IRA Account Number: B36-991988 COMMONWEALTH -441® financial network TRADING continued Settlement Account Transaction Date Type Transaction Description Quantity Amount Cost Gain(Loss) 01131/14 CASH REINVESTMENT TOUCHSTONE ULTRA SHR DUR FIX INC 4.254 ($40.16) CL Z REINVESTED @$9.44 01131/14 CASH ADJ REINVESTMENT TOUCHSTONE ULTRA SHR DUR FIX INC (4.254) $40.16 CL Z REINVESTED @$9.44 REVS RIN PD 01131114 01/31/14 CASH REINVESTMENT TOUCHSTONE ULTRA SHR DUR FIX INC 4.394 ($41.48) CL Z REINVESTED @$9.44 Total Securities Purchased ($170.38) ACTIVITY>CORE FUND ACTIVITY Settlement Account Date Type Transaction Description Quantity Amount 02114/14 CASH YOU BOUGHT BANK DEPOSIT SWEEP PROGRAM @ 1 709.69 ($709.69) 02/28/14 CASH REINVESTMENT BANK DEPOSIT SWEEP PROGRAM NET 0.05 ($0.05) INT REINVEST TOTAL CORE FUND ACTIVITY ($709.74) ACTIVITY>INCOME Settlement Account Date Type Transaction Description Quantity Amount Dividends 01131/14 CASH DIVIDEND RECEIVED PIMCO INCOME FUND CL A $128.90 01131/14 CASH DIVIDEND ADJUSTMENT TOUCHSTONE ULTRA SHR DUR FIX INC ($40.16) CL Z REVS DIV PD 01131/14 COMMONWEALTH FINANCIAL NETWORK Account carried with National Financial Services LLC,Member NYSE,SIPC MN _CEBBGHTNBBBPFBB BBBBD 20140228 Page 7 of 12 A Statement for the Period February 1,2014 to February 28,2014 Account Number:ber: 836-991988 Sere elect IRA A COMMONWEALTH 414 4® financial network ACTIVITY >INCOME continued Settlement Account Date Type Transaction Description Quantity Amount 01131114 CASH DIVIDEND RECEIVED TOUCHSTONE ULTRA SHR OUR FIX INC $40.16 CLZ 01131114 CASH DIVIDEND RECEIVED TOUCHSTONE ULTRA SHR OUR FIX INC $41.48 CL Z Total Dividends $170.38 Interest 02128114 CASH BANK DEPOSIT SWEEP PROGRAM $0.05 INTEREST RECEIVED Total Interest $0.05 TOTAL INCOME $170.43 ACTIVITY>TAXES,FEES AND EXPENSES Settlement Account Date Type Transaction Description Quantity Amount Account Fees 02/14/14 CASH ADJ PORTF SRVCS.FEE Fee Rebate 02/12114-03131114 $709.69 Total Account Fees $709.69 TOTAL TAXES,FEES AND EXPENSES $709.69 COMMONWEALTH FINANCIAL NETWORK Account carried with National Financial Services LLC,Member NYSE,SIPC MN _CEBBGHTNBBBPFBB_BBBBD 20140228 Page 8 of 12 Statement for the Period February 1,2014 to February 28,2014 JANICE L MCLAREN-Premiere Select IRA Account Number: B36-991988 4 COMMONWEALTH ® financial network ACTIVITY>BANK DEPOSIT DETAIL Bank deposits are not securities and are not covered by the Securities Investor Protection Corporation(SIPC).Customers are responsible for monitoring their total deposits at each Program Bank to determine the extent of available FDIC insurance. Your Ending Balance at each Program Bank as of the end of this statement period is shown below. Funds pending settlement reflect deposits to(credit)or withdrawals from(debit)a Program Bank. Subject to the terms of the applicable bank deposit disclosure,customers are reminded that funds are deposited to a Program Bank on the business day following the date that funds are credited to your account and until swept to a Program Bank,funds are covered by SIPC. Beginning Ending Bank Balance Balance Goldman Sachs Bank 56,920.08 $7,629.82 Total Bank Deposits $6,920.08 $7,629.82 Footnotes and Cost Information NFS makes no warranties with respect to,and specifically disclaims any liability arising out of your use of,or any position taken in reliance upon.NFS-provided cost and net change information. NFS determines gain(loss)using the first-in,first-out(FIFO)method on all transactions in a retirement account unless an alternative disposal method has been selected by you,or your broker dealer has elected to use another disposal method in the event you do not elect a method. For retirement accounts,gain/loss information should not be used for tax purposes. Cost information for debt securities has not been adjusted for amortization or accretion. 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). COMMONWEALTH FINANCIAL NETWORK Account carried with National Financial Services LLC,Member NYSE,SIPC MN _CEBBGHTNBBBPFBB_B8BBD 20140228 Page 9 of 12 Statement for the Period February 1,2014 to February 28,2014 JANICE L MCLAREN-Premiere Select IRA Account Number: B36-991988 COMMONWEALTH -4, financial network Miscellaneous Footnotes continued 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 any transaction involving an FX is available upon request through your broker-dealer. COMMONWEALTH FINANCIAL NETWORK Account carried with National Financial Services I.LC,Member NYSE,SIPC MN _CEBBGHTNBBBPFBB_BBBBD 20140228 Page 10 of 12 GLOSSARY Short Account Balances-If 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. 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")-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 and/or 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 EAI 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 he 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 of positions in certain mutual fund shares and other investment products in your brokerage account.This or concerns regarding your brokerage account or the activity therein should be directed to your broker-dealer at additional compensation may be paid by the mutual fund or other investment product,its investment advisor or the telephone number and address reflected on the front of this statement.National Financial Services LLC one of its affiliates.Additional information about the source(s)and amount(s)of compensation as well as other ("NFS"),who carries your brokerage account and acts as your custodian for funds and securities that are remuneration received by NFS or your broker-dealer will be furnished to you upon written request.At time of deposited with NFS by you or your broker-dealer,or as a result of transactions NFS,processes for your account, purchase,fund shares may be assigned a transaction fee or no transaction fee status.Al time of sale, may also be contacted for statement discrepancies.NFS may be called at(800)801-9942.Any oral applicable fees will be based on that status. communications regarding inaccuracies or discrepancies should be reconfirmed in writing to protect your Margin.If you have applied for margin privileges and been approved,you may borrow money from NFS in rights,including those under the Securities Investor Protection Act("SIPA").When contacting either NFS or exchange for pledging the assets in your account as collateral for any outstanding margin loan.The amount your broker-dealer,remember to include your entire brokerage account number to ensure a prompt reply. you may borrow is based on the value of securities in your margin account,which is identified on your Please notify your broker-dealer promptly in writing of any change of address. statement.If you have a margin account,this is a combined statement of your margin account and special ADDITIONAL INFORMATION Customer free credit balances are not segregated and may be used in NFS memorandum account other than your non-purpose margin accounts maintained for you under Section 220.5 business,subject to the limitations of 17CFR Section 240.15x3-2 under the Securities and Exchange Act of of Regulation T issued by the Board of Governors of the Federal Reserve Board.The permanent record of the 1934.You have the right to receive from NFS in the course of normal business operations,subject to open separate account,as required by Regulation T,is available for your inspection upon request. commitments in any of your brokerage accounts,any free credit balances to which you are entitled or any fully NYSE and FINRA.All transactions are subject to the constitution,rules,regulations,customs,usages,rulings paid securities to which you are entitled and any securities purchased on margin upon full payment of any and interpretations of the exchange market and its clearing house,if any,where the transactions are executed, indebtedness to NFS.Interest on free credit balances awaiting reinvestment may be paid out at rates that may and of the New York Stock Exchange(NYSE)and of the Financial Industry Regulatory Authority("FINRA").The vary with current short-term money market rates and/or your brokerage account balances,set at the discretion FINRA requires that we notify you in writing of the availability of an investor brochure that includes information of your broker-dealer and/or NFS. describing FINRA Regulation's BrokerCheck Program("Program").To obtain a brochure or more information Credit Adjustment Program.Accountholders receiving payments in lieu of qualified dividends may not be about the Program or FINRA Regulation,contact the FINRA Regulation BrokerCheck Program Hotline at(800) eligible to receive credit adjustments intended to help cover additional associated federal tax burdens. NFS 289-9999 or access the FINRA's web site at www.finra.org. reserves the right to deny the adjustment to any accountholder and to amend or terminate the credit adjustment FINRA Rule 4311 requires that your broker-dealer and NFS allocate between them certain functions regarding program. the administration of your brokerage account.The following is a summary of the allocation services performed Options Customers.Each transaction confirmation previously delivered to you contains full information about by your broker-dealer and NFS.A more complete description is available upon request. commissions and other charges.If you require further information,please contact your broker-dealer. Your broker-dealer is responsible for:(1)obtaining and verifying brokerage account information and Assignments of American and European-style options are allocated among customer short positions pursuant documentation,(2)opening,approving and monitoring your brokerage account,(3)transmitting timely and to a random allocation procedure,a description of which is available upon request. Short positions in accurate orders and other instructions to NFS with respect to your brokerage account,(4)determining the American-style options are liable for assignment at any time. The writer of a European-style option is subject to suitability of investment recommendations and advice,(5)operating,and supervising your brokerage account exercise assignment only during the exercise period.You should advise your broker-dealer promptly of any and its own activities in compliance with applicable laws and regulations including compliance with margin material change in your investment objectives or financial situation.Splits,Dividends,and Interest- rules pertaining to your margin account,if applicable,and(6)maintaining required books and records for the Expected stock split,next dividend payable,and next interest payable information has been provided by third services that it performs. parties and may be subject to change.Information for certain securities may be missing if not received from NFS shall,at the direction of your broker-dealer:(1)execute,clear and settle transactions processed third parties in time for printing.NFS is not responsible for inaccurate,incomplete,or missing information. through NFS by your broker-dealer,(2)prepare and send transaction confirmations and periodic statements of Please consult your broker-dealer for more information about expected stock split,next dividend payable,and your brokerage account(unless your broker-dealer has undertaken to do so).Certain securities pricing and next interest payable for certain securities. descriptive information may be provided by your broker-dealer or obtained from third parties deemed to be Equity Dividend Reinvestment Customers.Shares credited to your brokerage account resulted from reliable,however,this information has not been verified by NFS,(3)act as custodian for funds and securities transactions effected as agent by either:1)Your broker-dealer for your investment account,or 2)through the received by NFS on your behalf,(4)follow the instructions of your broker-dealer with respect to transactions Depository Trust Company(DTC)dividend reinvestment program.For broker-dealer effected transactions,the and the receipt and delivery of funds and securities for your brokerage account,and(5)extend margin credit for time of the transactions,the exchange upon which these transactions occurred and the name of the person purchasing or carrying securities on margin.Your broker-dealer is responsible for ensuring that your brokerage from whom the security was purchased will be furnished upon written request.NFS may have acted as market account is in compliance with federal,industry and NFS margin rules,and for advising you of margin maker in effecting trades in'over-the-counter'securities. requirements.NFS shall maintain the required books and records for the services it performs. Retirement Contributions/Distributions.A summary of retirement contributions/distributions is displayed for Securities in accounts carried by NFS are protected in accordance with the Securities Investor Protection you in the activity summary section of your statement.income Reporting.NFS reports earnings from Corporation("SIPC")up to$500,000. For claims filed on or after July 22,201D,the 5500,000 total amount of investments in Traditional IRAs,Rollover IRAs,SEP-IRAs and.Keoghs as tax-deferred income_Earnings from SIPC protection is inclusive of up to S250.000 protection for claims for cash,subject to periodic adjustments Roth IRAs are reported as tax-free income,since distributions may be tax-free after meeting the 5 year aging for inflation in accordance with terms of the SIPC statute and approval by SIPC's Board of Directors. NFS also requirement and certain other conditions.A financial statement of NFS is available for your personal has arranged for coverage above these limits.Neither coverage protects against a decline in the market value inspection at its office or a copy of it will be mailed to you upon your written request. of securities,nor does either coverage extend to certain securities that are considered ineligible for coverage. Statement Mailing.NFS will deliver statements by mail or,it applicable,notify you by e-mail of your For more details on SIPC,or to request a SIPC brochure,visit www.sipc.org or call 1-202-371-8300.Funds statement's availability,if you had transactions that affected your cash balances or security positions held in used to purchase or sweep to a bank deposit are SIPC protected until deposited to a Program Bank at which your account(s)during the last monthly reporting period.At a minimum.all brokerage customers will receive time funds may be eligible for FDIC insurance.Assets Held Away,commodities,unregistered investment quarterly statements(at least four times per calendar year)as long as their accounts contain a cash or contracts,futures accounts,loaned securities and other investments may not be covered.Mutual funds and/or securities balance. other securities are not backed or guaranteed by any bank,nor are they insured by the FDIC and involve Loads and Fees.In addition to sales loads and 12b-1 fees described in the prospectus,NFS or your investment risk including possible loss of principal. broker-dealer receives other compensation in connection with the purchase and/or the on-going maintenance End of Statement 100924 COMMONWEALTH FINANCIAL NETWORK Account carried with National Financial Scrviccs LLC,Member NYSE,SIPC MN _CEBBGHTNBBBPFBB_BBBBD 20140228 Page 11 of 12 ESTATE OF JANICE MCLAREN NO . 21 - 14-0206 COPY - BANK OF AMERICA MORTGAGE FEBRUARY 2014 STATEMENT Bank of America 4pil Home Lmns Cuszo-.rnor service information PO Box 5170 p') Customer service: 1.800.669.6607 Simi Valley,CA 93062-5170 TDD/TTY users only:1.800.300.6407 En Espanol: 1.800.295.0025 004271901 AT 0.403"AUTO 80075117050794806 -COB-P42761-I1 Monday-Friday 7a.m.to 7p.m.Local Time MSRA2DO010100000000000000MM24733 -MLENVCRE bankofamerica.com JANICE L MCLAREN 6 KESWICK DR .. ............................ __....... _.__ _ _. -_ ... Account number 220885187 MECHANICSBURG PA 17050-7948 Payment due date March 1,2014 Ilrrlllrlllllllll"I'ill'Irlrlllll'lllllllllllrrlltlllltllll,lllt Total Amount Due $1,136.66 If payment is received ofter 0.3/17/14,543.60 lotefee will be chorged. Your Home Loan Account Statement date:February 3,2014 Account information Explanation of total amount due Principal balance.....................................................................5155,300.06 Principal ..................................................................................$241 2. Escrow balance $1,748.45 Interest 5630.91 ................................................... .._.._.................... ......................... .................................... Interest rate4.875% Escrow(taxes and Insurance) $264.52 ...................................................................................................................... Prepayment penalty No Regular monthly payment $1,136.66 ...................................................................................................................... Current period fees and charges $000 Past payments breakdown Total amount due $1,136.66 f aid since,last.stareme lt. Paid year to date, Please see the'Orher importont informotion'section of this statement .................................................. ........:................................................ Principal 5240.26 5240.26 ......... .........................................................................................I...........,.... Interest $631.88 5631.88 ................I.............................................................._...................................... Escrow(taxes and insurance) 5264.52 5264.52 ... ..................... ........................................................................................-.. Fees,charges,and advances $0.00 50.00 Total $1,136.66 $1,136.66 Bank OfMi@riceHome Loans Amount due on March 1,2014 $1,136.66 543.60 Lote fee will be charged after March 17,2014 Account number: 2.2.0885187 JANICE L MCLAREN Additional $principal Property address: Bank of America, N.A. 6 KESWICK DR PO Box 15222 Additional $ MECHANICSBURG, PA 17050 Wilmington,DE 19886-5222 escrow Total llrlrllllltlltllll'I'lllllllrllltltll'II'll'Illil'llll'Illlllllll enclosed $ 220885187900000113666000118026 1: 58 6 9 900 581: 2 2088 5 113 711' ).MICE i.MCI.AREN I Account 518? 1 February 3,2014 Page 2 of 4 Additional account information Property Address 6 KESWICK DR ...................................................................................................................... Loan type 30 Yr Conventional ................................. .................................................................................. Contractual remaining term 26 Years,05 Months Transaction activity (01/04/14 to 02/03/14) Date Descriptio-i Chuges Payments .................................................................................................................................................................................................................................................. 02/03/14 Payment Posted-Thank you 1,136.66 Additional contact information Housing counselor information: If you would like counseling or assistance, you can contact the U.S. Department of Housing and Urban Development (HUD). For a list of homeownership counselors or counseling organizations in your area,go to hud.gov/offic.es!hsg/sfh/hcc/hcs.cfm or call 1.800.569.4287. General Inquinw, 10 mail a payment Overnight moil Ir'.sruance matters ..........................................................:.............................................................................................................................................................................. ....... PO Box 5170 PO Box 15222 Retail Payment Services, Insurance Dept. Simi Valley,CA 93062-5170 Wilmington,DE 19886-5222 DF5-023-03-04 PO Box 961291 Payments can also be made by phone, Christiana III Fort Worth.TX 76161-0291 onlire,or at any Bank of America 900 Samoset Drive Banking center. Newark,DE 19713-6002 Accepts overnight mail only.In-person paymentsare notacceptedat this address. Notice of Error, Requests for Information and Qualified Written Requests (as defined in RESPA) must be sent to: PO Box 942019,Simi Valley. CA 93094-2019. You have certain rights under federal law to resolve errors and request information related to your account. For more information about these rights,you can go to bankcfamerica.com or contact us. Payment processing information tz The following payment options are available to you: • PayPlan service -With PayPlanyou can have your mortgage payments automatically drafted from your checking or savings account.Call us at 1.866.767 4131 for more details or to enroll. • Online Banking and Mobile Payments -With these options,you can make your monthly mortgage payment around the clock.Visit us at bankofamerica.com for more details. • Mortgage Pay on the Web (MPW)-This service allows you to make your monthly mortgage payment online. With MPW,there is no usage fee when selecting to pay from a Bank of America checking or savings account. If you choose to have your payment drafted from another financial institution account,there is no fee for drafting during the first half of your grace period;however,a$6 usage fee will be charged if the payment is drafted during the second half of the grace period. • Pay By Phone -There is no fee if paying from a Bank of America checking or savings account. There is a 515 fee for using the automated pay-by-phone service,if paying from another financial institution checking or savings account. If you choose to process a payment through a Customer Service Representative,there is a S20 fee for this service, You can make your payment By automatic draft payment using PayPlan For checks or money orders Online at bankofamerica.com Make your check payable to Bank of America,N.A. By phone-call 1.800 669,6607 Please write your loan number on the check or money order At any Bank of America banking center Include this payment coupon with your check(do not staple your cheek to the coupon) By mail using the enclosed envelope Please do not send cash or Include correspondence Bank of America,N.A..Member FDIC Q Equal Housing Lender 0 2014 Bank of America Corporation. Bank ofAmerica 4JP*Home Loans Your Home Loan Account JANICE I..yICLAREN I Account. 5187 1 February 3,2014 Page 3 of 4 Payments are considered received by Bank of America,N.A.when received through the means or at the locations designated above,or at such other locations as may be designated by Bank of America,N.A. If your loan is in default,based on certain conditions,such as bankruptcy or foreclosure,you may be unable to make a payment using one or more of the means or locations listed In the'Additional contact information'section. Payments received pursuant to a PayPlan will be processed in accordance with the PayPlan agreement,Payments received pursuant to a PhonePay will be processed in accordance with the PhonePay agreement.Payments received pursuant to a Bank of America BillPay,Transfer and Mortgage Pay on the Web options,will be processed in accordance with the BillPay,Transfer and Mortgage Pay on the Web agreement For mailed payments,if you do not mail your payment coupon with your payment or do not mail your payment to the designated payment location,it may cause delays in the processing of your payment Payments mailed with the payment coupon to the designated location which are received by 5:00 p.m.in the time zone of the designated payment location will be credited to your account effective on that business day,unless otherwise specified on the remittance coupon provided.All payments mailed to Bank of America,N.A.must be in the form of a check or money order(drawn in United States dollars and payable by a United States financial institution or the United States Postal Service)made payable to Bank of America,N.A.Certified or other forms of payment may be required if previously advised. If you are planning to pay off your loan,please contact us at least 10 days before your scheduled draft date to cancel your service at 1800.669.6607. This will avoid any drafts occurring in conjunction with your payoff transaction.Payment drafts will not occur if your loan is more than 30 days delinquent Any full periodic payment that is received and accepted will be applied to the longest outstanding periodic payment due,unless otherwise expressly prohibited or limited by your loan documents,the owner/insurer/guarantor of your loan or applicable law.Payments will be applied as described in your loan documents,including any modifications to the original documents.If your loan is current,please specify how you want any additional amounts you pay to be applied to your account.If you do not specify,subject to your loan documents,additional amounts will first be applied to fees or other amounts owed on your account and the remainder applied as a principal reduction.If we are unable to apply additional amounts to your account as you specify,we may return the funds to you.Postdated checks will be processed on the date received unless an authorized representative agrees to honor the date written on the check as a condition of a repayment plan. We may charge you a fee of up to$40,00 for any payment returned or rejected by your financial institution according to your loan documents and applicable law.In addition,there may be fees for certain services related to the servicing of your loan-these fees are either listed on our website or will be quoted upon request.All fees are subject to change without prior notice. Partial payment policy:A partial payment is a payment less than your full periodic payment due.Depending on the requirements of your loan documents. the owner/insurer/guarantor of your loan or applicable law,and,depending on the status of your account,partial payments may be promptly returned to you,applied to your account or held in a non-interest bearing account for a period of time until you send us additional funds sufficient to equal a full periodic payment due.If your loan is current and your loan documents permit us to apply partial payments to your account,partial payments will be applied as you specified,and,if not specified,according to your loan documents,they will first be applied to fees or other amounts owed on your account and the remainder applied as a principal reduction.If we are unable to apply partial payments to your loan as you specify,we may return the payment to you.If your loan is not current and your loan documents permit us to hold a partial payment in a non-interest bearing account,we will do so until you send us additional funds sufficient to equal a full periodic payment due.If you don't send us additional funds,subject to your loan documents,we may apply some or all of the partial payment to amounts owed on your account and return the balance of the payment to you.If your loan is in default and declared due and payable or your loan is in foreclosure,we may be unable to accept or apply partial payments and will return them to you. Interest calculation: For all full month payment periods,interest is calculated on a monthly basis.Accordingly,interest for all full months,Including February,is calculated as 30/360 of annual interest,irrespective of the actual number of days in the month.For partial months,interest is calculated daily on the basis of a 36S day year. Other important information Please note: Effective as of January 10,2014,notices of errors and information requests(as defined under RESPA)must be sent to PO Box 942019, Simi Valley,CA 93094-2019. Bank of America, N.A. is required by law to Inform.you that this cammunic itirn is from a debt collector: If you ae currently in a bankrupter p!oc.cod.nr; or have proviously ci.t,nned a discharge of This deb.uriclor baxd<rul-tc I±;r,if•i,>nu k.e I!;for:nrormat!on;tl purpose-, only<a.t 1 is not, an:at n p( to i!Ile:t a debt, a remand'or payr,!cnt or an attempt to unipo e personal I!cib!IILy for a di:_.::`rarr cd dcI?[. Credit reporting notice: We may report information about your account to credit bureaus.Late payments,missed payments or other defaults on your account may be reflected in your credit report. Escrow refunds: Bank of America,N.A.automatically processes escrow refunds 14 business days after payoff in order to ensure all outstanding funds have cleared.and will mail the refund to the address on record. • You can update your mailing address of record by logging on to our web site at bankofamerica.com. • Please review the escrow section to review escrow items currently due and unpaid. • If a bill is received for payment of an escrow item during the pending payoff process,we are responsible for payment of such bill, The bills are typically paid between the due date and delinquency date. If loan payoff occurs prior to disbursement of payment of a bill,your escrow funds will be refunded to you. JANICE,I.MCLAREN I ACCOWIt [i 187 1 February 3,2014 Page 4 of 4 Paid year to date: Balances in the Past Payment Breakdown section should NOT be used for year-end tax reporting. Please use the information on IRS Form 1098 that will be provided during tax season for reporting purposes.Balances for loans that have been service-transferred or have undergone modification,will reflect activity that has occurred since the date of transfer or modification only. Payoff': You can request payoff figures by calling 1.800.669.5833. If Bank of America,N.A.receives funds greater than the amount required to pay off your loan,we will automatically process and refund the overage within 20 business days after the payoff. Statement information: The information contained in this statement is accurate as of the date of this statement but may not contain all information related to your loan.For the most up to date and complete information regarding your loan,please contact customer service.