HomeMy WebLinkAbout08-31-15 pennsylvania EX(03-14) 1505618148
DEPARTMENT OF REVENUE
REV-1500 OFFICIAL USE ONLY
Bureau of Individual Taxes County Code Year File Number
PO BOX 280601 INHERITANCE TAX RETURN
Harrisburg,PA 17128-0601 RESIDENT DECEDENT W
ENTER DECEDENT INFORMATION BELOW
Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY
I
09302014 10201921
Decedent's Last Name Suffix Decedent's First Name MI
SNYDER LOUETTA W
(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 BOXES BELOW
QX 1. Original Return Q 2. Supplemental Return Q 3. Remainder Return(date of death
prior to 12-13-82)
Q 4. Agriculture Exemption(date of Q 5. Future Interest Compromise(date of Q 6. Federal Estate Tax Return Required
death on or after 7-1-2012) death after 12-12-82)
XQ 7. Decedent Died Testate Q 8. Decedent Maintained a Living Trust 9. Total Number of Safe Deposit Boxes
(Attach copy of will) (Attach copy of trust.)
Q 10. Litigation Proceeds Received Q 11. Non-Probate Transferee Return Q 12. Deferral/Election of Spousal Trusts
(Schedule F and G Assets Only)
Q 13. Business Assets Q 14. Spouse is Sole Beneficiary
(No trust involved)
CORRESPONDENT-THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO:
Name Daytime Telephone Number
STEPHEN D . TILEY 717-243-5838
First Line of Address
5 SOUTH HANOVER STREET
Second Line of Address
City or Post Office State ZIP Code
CARLISLE PA 17013
ry
Correspondent's email address: S T I L E Y a F R E Y T I L E Y. COM n
�. c, r� c'
REGISTIgOgVILLS USRNLY
REGISTER OF WILLS USE ONLY CTl
r— W M f"ri
DATE FILED MMDDWW r f.'1 t --* ;XI G7
C.0 J d
7, O
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►-� r- M
DATE,FILED STAMPCD I
PLEASE USE ORIGINAL FORM ONLY
Side 1
L 1505618148 1505618148 J \
1505618155
REV-1500 EX
Decedent's Social Security Number
Decedent's Name: LOUETTA W SNYDER
RECAPITULATION
1. Real Estate(Schedule A). . . . . . . . . . . . .. .. .. .. . . .. . . ... . . .. . . .. .. .. .. .. . 1. 0.00
2. Stocks and Bonds(Schedule B).. . .. . .. . . .. . . . . . ... . ... . . .. . . .. ... ... . .. 2. 40030.76
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. 10881.67
6. Jointly Owned Property(Schedule F) =Separate Billing Requested. . . ... .. 6 0 .'00
7. Inter-Vivos Transfers&Miscellaneous Non-Probate Property
(Schedule G) =Separate Billing Requested. . .. . . .. 7, 65538. 96
8. Total Gross Assets(total Lines 1 through 7).. . . .. .. .. .. .. . . . .. . . .. . . .. . .. 8. 116451. 39
9. Funeral Expenses and Administrative Costs(Schedule H). .. ... .... . ... . ... .. 9, 13199. 18
10. Debts of Decedent,Mortgage Liabilities and Liens(Schedule 1). .. ... .. .. .. . . .. 10. 2356.65
11. Total Deductions(total Lines 9 and 10). . ... .. .. . . .. . . .. . . .. .. .. .. .. .. .. .11. 15555. 83
12. Net Value of Estate(Line 8 minus Line 11). .. . . . . . . .. . . . .. . . ... . .. . . .. . . . 12. 10 0 8 9 5 . 5 6
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. 100895 . 56
TAX CALCULATION-SEE INSTRUCTIONS FOR APPLICABLE RATES
15. Amount of Line 14 taxable
at the spousal tax rate,or
transfers under Sec.9116
(a)(1.2)X.0 0
15. 11. 00
16.Amount of Line 14 taxable
at lineal rate X 45 100895 . 56 16. 4540.30
17. Amount of Line 14
taxable at sibling rate X . 12 17. 0.00
18. Amount of Line 14 taxable
at collateral rate X . 15 18. 0 . 00
19. TAX DUE. .... .. . . ... .. . ... .. . ... ... .. . .. .. .. . . .. . . ..... .... .. . . .. . 19. 4540. 30
20. FILL IN THE BOX IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT F57
Under penalties of perjury,I declare I have examined this return,including accompanying schedules and statements,and to the best of my knowledge and belief,
it is true,correct and complete.Declaration of pre arer other than the person responsible for filing the return is based on all information of which preparer has
an knowledge.
I N U 1;1
E PERSON RESP SIBLtpFO FILING R TURN SATE
r
ADDRES
18 EAST MAPLEWOOD A MECHANICSBURG PA 17055
SIGNATU =OFOTHER THAN PERSON RESPONSIBLE FOR FILING THE RETURN DATE
ADDRES
STEPHEN D. TILEY, 5 SOUTH HANOVER STREET, CARLISLE, PA 17013
11111111111111111111111111111 Jill Side 2
L 1505618155 1505618155
REV-1500 EX Page 3 File Number 193-12-9431
Decedent's Complete Address: 21-14-1001
DECEDENT'S NAME
LOUETTA W SNYDER
STREET ADDRESS
4831 EAST TRINDLE ROAD
CITY STATE ZIP
MECHANICSBURG PA 17050
Tax Payments and Credits:
1. Tax Due(Page 2,Line 19) (1) 4540.30
2. Credits/Payments
A. Prior Payments 4345.00
B. Discount 227.02
(See instructions.) Total Credits(A+B) (2) 4572.02
3. Interest
(3)
4. If Line 2 is greater than Line 1 +Line 3,enter the difference.This is the OVERPAYMENT.
Fill in box on Page 2,Line 20 to request a refund. (4) 31.72
5. If Line 1 +Line 3 is greater than Line 2,enter the difference.This is the TAX DUE. (5) 0.00
Make check payable to: REGISTER OF WILLS, AGENT.
PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS
1. Did decedent make a transfer and: Yes No
a. retain the use or income of the property transferred............................................................................... ❑ 0
b. retain the right to designate who shall use the property transferred or its income................................. ❑ Q
c. retain a reversionary interest.................................................................................................................. ❑ ❑X
d. receive the promise for life of either payments,benefits or care?.......................................................... ❑ X❑
2. If death occurred after Dec. 12, 1982,did decedent transfer property within one year of death
without receiving adequate consideration?.................................................................................................. ❑ X❑
3. Did decedent own an"in trust for"or payable-upon-death bank account or security at his or her death?................................ ❑ X❑
4. Did decedent own an individual retirement account,annuity or other non-probate property,which
contains a beneficiary designation?...............................................................................................
..............
IF THE ANSWER TO ANY OF THE ABOVE 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.
REV-1503 EX+(02-15)
pennsylvania SCHEDULE B
DEPARTMENT OF REVENUE
INHERITANCE TAX RETURN STOCKS & BONDS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Louetta W Snyder 21-14-1001
All property jointly owned with right of survivorship must be disclosed on Schedule F.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1. 451 Shares Prudential Financial, Inc.
DOD Value$88.76 per share-See Exhibit"A" 40,030.76
TOTAL(Also enter on Line 2, Recapitulation) $ 40,030.76
If more space is needed,insert additional sheets of the same size
REV-1508 EX+(02-15) SCHEDULE E
pennsylvania CASH, BANK DEPOSITS, & MISC.
DEPARTMENT TOF AX RET PERSONAL PROPERTY
INHERITANCE TAX RETURNRN
RESIDENT DECEDENT
ESTATE OF: FILE NUMBER:
Louetta W Snyder 21-14-1001
Include the proceeds of litigation and the date the proceeds were received by the estate.
All property jointly owned with right of survivorship must be disclosed on Schedule F.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1. Household Personal Property&Specific Bequest Items
All Specific Bequest Items from paragraphs 3(a)-(d)of Will dated March 5, 2009 given more
than one year prior to death. House sold in year 2012 and most household personal property
distributed at that time. Most of remaining household personal property distributed when
apartment vacated more than one year prior to death and the decedent moved into a
room at Country Meadows of West Shore. Minimal personal property in room at Country
Meadows was gifted to Country Meadows. 0.00
2. Safe Deposit Box at Wells Fargo Bank,604 E. High Street, Carlisle, PA 17013
Documents only-No monetary value 0.00
3. Additional burial lots at Cumberland Valley Memorial Gardens.
No monetary value-unable to sell 0.00
4. Prudential Alliance Account No.: 87901002716007
Balance at Death-See Exhibit"B" 1,243.10
Accrued Interest to DOD 0.00
5. Wells Fargo Personal Checking Acct. No.4861-009025
Balance at Death-See Exhibit"C" 9,638.50
Accrued Interest to DOD(Actually to 10/7/14) 0.07
TOTAL(Also enter on Line 5, Recapitulation) $ 10,881.67
If more space is needed,use additional sheets of paper of the same size.
REV-1510 EX+(02-15) SCHEDULE G
pennsylvania INTER-VIVOS TRANSFERS AND
DEPARTMENT OF REVENUE
INHERRESIDENT
DECEDENT
MISC. NON-PROBATE PROPERTY
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Louetta W Snyder 21-14-1001
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
ITEM INCLUDE THE NAME OF THE TRANSFEREE,THEIR RELATIONSHIP TO DECEDENT AND DATE OF DEATH %OFDECD'S EXCLUSION TAXABLE
NUMBER THE DATE OF TRANSFER.ATTACH A COPY OF THE DEED FOR REAL ESTATE. VALUE OF ASSET INTEREST OFAPPUCABLE) VALUE
1. Cetera Financial Specialists, LLC
Brokerage Account No.: QJR-003915
(Through Financial Advisor Bradley A. Mentzer)
See Letter and 9/30/14 Statement Attached as Exhibit"D"
Account jointly owned with threeResiduary heirs
Total Value of Brokerage Account on DOD: $154,155.84
Portion Transfered into account within one year of death from
separate funds: $48,000.00
1/4 Decedent's Interest 12,000.00 100.00% 12,000.00
1/4 Robert W. Snyder 12,000.00 100.00% 3,000.00 9,000.00
1/4 William R. Snyder 12,000.00 100.00% 3,000.00 9,000.00
1/4 Pamela J. Dressler 12,000.00 100.00% 3,000.00 9,000.00
Portion Joint in excess of one year: $106,155.84 106,155.84 25.00% 26,538.96
TOTAL Also enter on Line 7 Recapitulation)$ 65,538.96
If more space is needed, use additional sheets of paper of the same size.
REV-1511 EX+(02-15)
pennsylvania SCHEDULE H
DEPARTMENT OF REVENUE FUNERAL EXPENSES AND
INHERITANCE TAX
RESIDENT DECEDENT RETURN ADMINISTRATIVE COSTS
ESTATE OF FILE NUMBER
Louetta W Snyder 21-14-1001
Decedent's debts must be reported on Schedule I.
ITEM
NUMBER DESCRIPTION AMOUNT
A. FUNERAL EXPENSES:
1. Hollinger Funeral Home 7,739.68
2. Osiris Holding of Pennsylvania, Inc.-Plaque for grave marker 499.00
3. Funeral Luncheon 300.00
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: 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: 190.50
5. Accountant Fees: Incl.with Atty. Fees
6. Tax Return Preparer Fees: 325.00
7. Register of Wills-Short Certificate 5.00
8. Register of Wills-Additional Probate Fee 120.00
9. Register of Wills- Filing Fee for Family Settlement Agreement 20.00
TOTAL(Also enter on Line 9, Recapitulation) $ 13 199.18
If more space is needed,use additional sheets of paper of the same size.
REV-1512 EX+(02-15)
pennsylvania SCHEDULE I
DEPARTMENT OF REVENUE DEBTS OF DECEDENT,
INHERITANCE TAX RETURN
RESIDENT DECEDENT MORTGAGE LIABILITIES & LIENS
ESTATE OF FILE NUMBER
Louetta W Snyder 21-14-1001
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.
Checks Cleard After Death-Wells Fargo Checking Acct. No.4861-009025-See Exhibit"C"
Care Plus 206.00
United Security Insurance Premium 144.60
Diamond Pharmacy 521.09
2. Holy Spirit EMS-ALS 1,043.81
3. Diamond Pharmacy 11.04
4. Quantum Imaging&Therapeutic Associates 65.11
5. PA Dept. of Revenue-Year 2014 Personal Income Tax 365.00
6.
TOTAL(Also enter on Line 10, Recapitulation) $ 2,356.65
If more space is needed,insert additional sheets of the same size.
REV-1513 EX+(02-15)
Pennsylvania SCHEDULE J
DEPARTMENT OF REVENUE
BENEFICIARIES
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF: FILE NUMBER:
Louetta W Snyder 21-14-1001
RELATIONSHIP TO DECEDENT AMOUNT OR SHARE
NUMBER NAME AND ADDRESS OF PERSON(S)RECEIVING PROPERTY Do Not List Trustees) OF ESTATE
1 TAXABLE DISTRIBUTIONS(Include outright spousal distributions and transfers under
Sec.9116(a)(1.2).]
1 Robert W. Snyder, 18 East Maplewood Ave., Mechanicsburg, PA 17055
(Specific Bequest lapsed-see Schedule"E," Item 1.) Son 1/3 Residuary-1/4 Sch"G"
2 William Russell Snyder, 43 Half Mile Drive, Gardners, PA 17324
(Specific Bequest lapsed-see Schedule"E," Item 1.) Son 1/3 Residuary-1/4 Sch"G"
3 Pamela J. Dressler, 215 Pleasant Hill Road, Lewisberry, PA 17339
(Specific Bequest lapsed-see Schedule"E," Item 1.) Daughter 1/3 Residuary-1/4 Sch"G"
4 Hannah M. Dressler, 249 Pleasant Hill Road, Lewisberry, PA 17339
(Specific Bequest lapsed-see Schedule"E," Item 1.) Grand-daughter None
ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18 OF REV-1500 COVER SHEET,AS APPROPRIATE.
II NON-TAXABLE DISTRIBUTIONS
A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN:
1.
B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS:
1.
TOTAL OF PART II—ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. $
0.00
If more space is needed,use additional sheets of paper of the same size.
. `. r h �z 6 , � 'wr t?1r ex• ,�. 3 ryv'' #''a
LAST WILL AND TESTAMENT
OF
LOUETTA W. SNYDER
I, LOUETTA W. SNYDER, of South Middleton Township, (18 Annendale Drive,
Carlisle), Cumberland County, Pennsylvania, being of sound and disposing mind, memory and
understanding,do hereby make,publish and declare this as and for my Last Will and Testament,
hereby revoking and making void any and all Wills and Codicils heretofore made.
FIRST
I direct the payment of my just debts and funeral expenses as soon after my death as may
be convenient.'
SECOND
I declare that I am the widow of Charles W. Snyder and that we had three(3)children,to
wit: Robert Wesley Snyder, of 18 East Maplewood Avenue, Mechanicsburg, PA 17055;
William Russell Snyder of 3 Half Mile Drive, Gardners, PA 17234; and Pamela J. Dressler of
215 Pleasant Hill Road, Lewisberry, PA 17339. I have no deceased children nor any other
children living by my husband or otherwise.
THIRD
All the rest, 'residue and remainder of my estate, real, personal and mixed, and
wheresoever the same may be situate,I give,devise and bequeath as follows:
(a) I give and bequeath to my two sons, Robert Wesley Snyder and William Russell
Snyder,any and all firearms or weapons which I may own at the time of my death, in two equal
shares, one each to each son, to be agreed upon-by both sons or all of the said weapons or
firearms which I may own at the time of my death shall be sold and the proceeds distributed as
part of the residuary of my estate.
(b) I give and bequeath to my daughter, Pamela J. Dressler, the grandfather clock
which was given to me by a neighbor.
0
(c) I give and bequeath to my daughter, Pamela J. Dressler, my diamond ring, if the
s same has not been given to her prior to my husband's and my death.
(d) I give and bequeath to my granddaughter, Hannah M. Dressler, my Opal ring and .
Opal earrings,if the same has not been given to her prior to my husband's and my death.
(e) All the rest, residue and remainder of my estate, real, personal and mixed, and
wheresoever the same may be situate, I give, devise and bequeath, in three equal shares, per
stirpes and not per capita,unto such of my children as shall survive me by ninety(90)days.
FOURTH
I hereby nominate, constitute and appoint my three children, Robert Wesley Snyder,
William Russell Snyder, and Pamela J. Dressler, or the successor or survivor of them, as Co-
Executors of this my Last Will and Testament. I further direct that no bond or other security
shall be required of any Executor or Executrix appointed in this Will for the performance of his,
her or its duties in any jurisdiction in which he,she or it may be called upon to act.
FIFTH
In addition to, and not in limitation of, the powers conferred by law or by other
provisions of this Will, my Executor shall have the following powers, each of which may be
exercised from time to time by my Executor in his sole discretion:
(a) To retain in the form received,and to sell either avpPblic or private sale, or to
distribute in kind,any real or personal property.
(b) To manage both real and personal property.
(c) To invest.and reinvest in all forms of property, notwithstanding the fact that
any or all of the investments made are of a character or size which but for this
-expressed authority would not be considered proper for an Executor.
(d) To exercise any option or rights arising from the ownership of investments.
(e) To compromise claims without court approval and without the consent of any
beneficiary.
IN WITNESS WHEREOF,I have hereunto set my hand and sea] to this my Last Will
and Testament,written on three(3)pages,this 5th day of March,2009.,
(SEAL)
LOUETTA W.SNYDER
Signed,sealed,published,and declared by LOUETTA W.SNYDER,the Testatrix above
named, as and for her Last Will and Testament, in our presence, who, in her presence, at her
request, and in the presence of each-other, have hereunto subscribed our names as attesting
witnesses.
COMMONWEALTH OF PENNSYLVANIA ) i
SS:
COUNTY OF CUMBERLAND )
We,Louetta W. Snyder,the Testatrix in,and Stephen D.Tiley
1;
and Robert G.Frey the witnesses,to the Last Will and Testament,the
attached or foregoing instrument,who have signed the instrument,having been duly qualified
according to law do depose and say:
a. that I,the Testatrix,do hereby acknowledge that I signed and executed the
instrument as my Last Will and Testament,that I signed it willingly and as my free and voluntary
act for the purposes therein expressed;and
f
b. that we,the witnesses,were present and saw the Testatrix sign and execute the (,
instrument as her Last Will and Testament,that she signed it willingly and executed it as her free 'a
and voluntary act for the purposes therein expressed;that each of us in the hearing and sight of
the Testatrix signed the Last Will and Testament as a witness and that to the best of our
knowledge the Testatrix was at that time eighteen(18)or more years of age,of sound mind and
under no constraint or undue influence.
Louetta W.Snyder i
AX
4�f'� •1
Stephen D.Tiley
Robert G. Frey '
Subscribed,sworn to and acknowledged before me by the Testatrix and the witnesses
above-named,this Sth day of March,2009.
Notary Public
i -
i:
NOTAML SEAL
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Prudential Financial
Inc.
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09/29/2014# to !10/01/2014 GO SPREADSHEET
DATE OPEN HIGH LOW CLOSE VOLUME
10/01/14 87.6600 87.8900 85.6300 85.6900 3.29 M
09/30/14 89.1500 89.5800 ' 87.9400 I 87.9400 2.41 M
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Prudential Alliance Account Services
The Prudential Insurance Company of America
P.O.Box 535486 � Prudential
Pittsburgh,.PA 15253-5486
ADDRESS SERVICE REQUESTED
24402. SH BPR18001 ALLIANCE ACCOUNT
LOVETTA W SNYDER Statement Closing Date: 9/30/2014
18 E MAPLEWOOD AVE
MECHANICSBURG, PA 17055 Account Number: 87901002716007
ACCOUNT INFORMATION CUSTOMER SERVICE
Balance Last Statement $1,233.73 Contact Information:
Balance This Statement $1,243.10 Prudential Alliance Account Services
The Prudential Insurance Company of America =_
P.O. Box 535486 .�.
SUMMARY Pittsburgh, PA 15253-5486 —
+ CREDITS $9.37 Internet: www.prudential.cor41/alliancelogin
CHECKS and DEBITS $0.00
ENDING BALANCE $1,243.10 Phone: 1-877-2554262
RATE HISTORY 8:00 AM to 7:00 PM, Eastern Time, M-F
Access to your account information is also available
CURRENT INTEREST RATE 3.000% 24 hours a day 7 days a week. Please have your —_
INTEREST CREDITED YEAR-TO-DATE $27.58 account number(located above)available when
calling toll-free.
ACCOUNT TRANSACTIONS
DATE DESCRIPTION AMOUNT BALANCE
07/31 MTD INT POSTED TRANS 07/31/2014 $3.15 $1,236.88
08/29 MTD INT POSTED TRANS 08/29/2014 $3.16 $1,240.04
09/30 MTD INT POSTED TRANS 09/30/2014 $3.06 .$1,243.10
�p
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See reverse side for important reminders and updated terms and conditions. Page 1
Wells Fargo StOreVisiooPlatform Page lOf7
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Crown Classic Banking 1010118891394
Bank PENNSYLVANIA(o4o | Statements I StooPmuoeuts i Holds/Pledges |
Ch ck0rders I Transfe I Customer Event History I Documents
Checking/Savings Account History
Tax Responsible Customer LOUETTA W SNYDER Sole Owner
Additional Customers Nona
Ledger Balance $8.766.91
Available Balance ' $0.00
-
Check
Date Description Number Amount Balance
10/22/14 Buy Official Check. 5660 8766.91
(pending)
10/22/14 Outstanding Items Close, Int W/o Fee 8786.81
10/22y14 Interest Payment +0.03 8706.81
10/08/14 Monthly Service Fee Reversal +20.00 8768.88
10/09/14 Monthly Service Fee � ,/ 20.00 8748.88
10/09/14 Interest Payment +0.07 8766.88
10/07/14 Check View 6157 521.09 8766.81
SocSec Admin [uhAlert XxxmxS431aSoaDate Of
10/06/14 Oaath°093014°nueb)marSan°193128431°ernoun 9287.90
R00000091004255094528
VVDbNor Reclaims 14278DO295UeTreasury Reclaim
10/06K14 Pymts Firm 1O/03/14nororedom1S8128431aSsm 143Z00 8287.90
1o00000091004452274791
18/03/14 United Security |' ~''~ ' 58826Lo ettaVGn dor
1448O 1O�1880
123222724659826Or00008091003855098829
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SsoTnaao31OXxeocSec 1OU314XxxxxS431aSoa
10/03/14 LouettaVVSnyder 9031738039183123431oSeo +1432.00 10884.60
R00000891003855098828
10/01/14 Check view 6158 20&00 9432.50
09/25/14 -ffe-posit Made In A Branch/store View Deposit bb'1262952 +239.0 9fj36.bU
09/16/14 Pershing Brokerage 140915 Qjr-003915-1pcd Snyder +4510.00 9399.47 1/
09/10/14 Monthly Service Fee Reversal +20.00 4888.47
09/10/14 Monthly Service Fee 20.00 4809A7
09/10/14 Interest Payment +D.OG 4889.47
09/08/14 Check view 6154 38.00 4889.41
09/08/14 Check View 6155 5800.00 4925.41
09/08/14 Pershing Brokerage 14 O 51 odGn d +22OOOO O�2541
113274172QC�pUO3915-1pudROOOOOU01OO4452BO218Y � |' �
09/05/14 Check View 6152 212.71 8525.41
08/05/14 Check view 8153 1046.73 8738.12
69/05/14 Deposit Made |nABranch/store View Deposit 801041561 +85.00 9784.85
09VO4/14 Deposit Made \n/\Branch/store View Deposit 850882515 +180.00 8690�85
United Security |nopnam �S828Loue��VV�Snyder O8/O3/14 ^ � ''� 14488 ��3Q85
133222724659026OrUO000091004553445965 � �
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httpS://ne-site}.8alesandService.we{lsfargo. ountHistorylnit.do 10/22/2014
Bradley A. Mentzer,, CPA/PFS
1�� 325 South Hanover Street • Carlisle, PA 17013
� �� �� I Phone: 717-249-6327 • Fax: 717-249-6329
Adviserbrad@bradmentzer.com • www.bradmentzer.com
October 23, 2014
Mr. Stephen D. Tiley,Esq.
Frey& Tiley
5 S. Hanover Street
Carlisle,PA 17013
Re: Estate of Louetta W. Snyder
Dear Steve:
Per our recent phone conversation, I am providing information regarding the joint account that
Louetta had with her three children. This is the only account she had with me as an Adviser at
the time of her death.
Since her date of death was September 30,2014, I am providing a copy of her Brokerage
Account Statement for the month ended on that date. As you will see,that account was titled in
four names, including her three children as joint owners.
This account has been a part of our Advisory Program for several years. However, we required a
change in custodian from Charles Schwab to Pershing in January 2014. Therefore,the existing
account was just established in January 2014. However,the assets in the Schwab account were
transferred in kind to the Pershing Account and both accounts were titled identically.
The only additional investment into the account during the one year ended September 30, 2014
was$48,000 on February 25,2014. A copy of that check is enclosed. Approximately$29,600
of that amount was from an individual brokerage account that Louetta had,that was liquidated
and paid to her in January 2014. The difference may have come from closing an investment
account elsewhere, but I am not sure whether that is the case and, if so,whether that account was
a joint account with her children.
I've enclosed a copy of a Letter of Instruction regarding the distribution of this Brokerage
Account. As you will see, Louetta's children have authorized the distribution of$48,000 to the
Estate and the remainder is to be distributed equally among them. I am in the process of
implementing these instructions.
E*N8T
Securities offered through Cetera Financial Specialists LLC,member FINRA/SIPC.Advisory services offered through
Cetera Investment Advisers LLC.Cetera entities are under separate ownership from any other entity.
Mr. Stephen D. Tiley,Esq.
Frey&Tiley
October 23,2014
Page Two
Louetta was withdrawing from this Brokerage Account each month. Withdrawals since
February 27,2014 total $36,130. 1 have included an excel worksheet with the details of the
withdrawals. I'm providing this info in the event that any of this can be used to offset the
inheritance tax on the$48,000 contributed to the account in the last year.
Please let me know if you need anything further from me as you finalize Louetta's Estate.
Sincerely,
Bradley . P C
,entzer
'r'
Financial viser
Enclosures
Cc: Robert W. Snyder(without Enclosures)
IV
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FINANCIAL
i
Cetera- SPECIALISTS LLC Arolreinge
Member fINRA/SIPC
20o N.Martingale Rd Schaumburg,IL 60173 '$$$5282987
Accourft Stateme04f
Account Number: QJR-003915
LOUETTA W SNYDER Statement Period: 09/01/2014-09/30/2014
ROBERT W SNYDER&
WILLIAM R SNYDER& Valuation at a Glance This Period
PAMELA J DRESSLER JT TEN Beginning Account Value $162,853.09
18 EAST MAPLEWOOD AVENUE Cash Withdrawals -6,710.00
MECHANICSBURG PA 17055-4253 Dividends/Interest 336.08
Chane in Account Value -2,317.33
fnding Account8'
Estimated Annual Income $3,793.46
Your Registered Representative:
BRADLEY A MENTZER
(717)249-6327
Asset Allocation Last Period This Period %Allocation
Cash,Money Funds,and Bank Deposits 5,015.81 4,899.11 3% ;'==F;>=* Please review your allocation
Mutual Funds 151,118.65 143,294.77 93% 0 ��
Exchange-Traded Products 6,718.63 5,961.96 4%
Account Total(Pie Chart) $162,853.09 $154,155.84 100%
Page 1 of 31
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EXCELLENCE
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Client Service Information
Your Registered Representative:A7H Contact Information
BRADLEY A MENTZER Telephone Number: (717)249-6327
325 S HANOVER ST Fax Number: (717)249-6329
CARLISLE PA 17013-8780
Your Account Information
Tax Lot Default Disposition Method
Default Method for Mutual Funds: HIGH COST LONG TERM
Default Method for Stocks in a Dividend Reinvestment Plan: HIGH COST LONG TERM
Default Method for all Other Securities: HIGH COST LONG TERM
Electronic Delivery
You have not selected any account communications for electronic delivery.To register and turn off paper communications,log in to your account or contact your Registered Representative for more information.
Messages
Pursuant to the Securities Exchange Act of 1934, Pershing LLC(Pershing),a BNY Mellon company,provides individual investors with certain financial information on a semi-annual basis.
Pershing's June Statement of Financial Condition is now available.On June 30,2014,Pershing's net capital
of$1.848 billion was 12.4%of aggregate debit balances and exceeded the minimum requirements by$1.55 billion.
Pershing is also required to provide the most recent financial information as of this statement mailing.In accordance with thi's requirement,note that on July 31,2014,Pershing's net capital of$1.88 billion was
12.74%of aggregate debit balances and exceeded the minimum requirement by$1.59 billion.
A copy of the June 30,2014,Statement of Financial Condition is available at pershing.com/statement_of_financial_condition.html.You may also request a free,printed copy by calling(888)860-8510 or(201)
413-4200,option#5.
Although a money market mutual fund seeks to preserve the value of your investment at$1 per share,it is possible to lose money by investing in a money market mutual fund.Shares of a money
market mutual fund or the balance of a bank deposit product held in your brokerage account may be liquidated upon request with the proceeds credited to your brokerage account.Please see the
money market mutual fund's prospectus or the bank deposit product's disclosure document or contact your advisor for additional information.
IMPORTANT NOTICE REGARDING FEES:Three transfer agents(Computershare,Wells Fargo and Registrar and Transfer Company)have implemented a$15 transfer fee when moving directly held book entry
shares of a security into your brokerage accounts.Please be advised that this new fee will take effect beginning January 1,2015.
The U.S.Tax Court and the IRS recently changed rules regarding the frequency of indirect rollover contributions.Beginning on January 1,2015,you may make only one indirect rollover IRA contribution in any
12-month period,regardless of the number of IRAs you own.However,you may continue to process multiple trustee-to-trustee transfers between IRAs or make direct rollovers from your employer sponsored
plan. Please speak with your tax advisor on the effect of these rules changes.
Page 2 of 31
B0060463CSF30027 Account Number:QJR-003915t
LXCPIIPf1i CIBOrinp lheou9h P�r�h^O1-LC.owholly avmatl�uMldlmy
PAR-02-ROLL Go paperless �✓ Fvnry Yr.Tr7-
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LOUETTA W SNYDER ASK ARnIIT F.-fELIVFRv vl DALBAR RATED COMMUNICATIONS rershmg LLC,memnnrINRA,r sc,Smc
"a'S EXCELLENCE
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FINANCIAL
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® Cetera- I SPECIALISTS LLC
Rlembe(FINRA/SIPC ,grokemp r,
zoo N.Martingale Rd. • Schaumburg,IL 60173 •888.528.2937
Statement Period:09/01/2014-09/30/2014
Portfolio Holdings
Account Activity Opening Closing Accrued Income 30-Day Current
opering irate Quantit Number Ending Balance Balance Income This Year Yield Yield
Cash, Money Funds,and Bank Deposits 3.00%of Portfolio
Cash Balance 0.00 19.06
Money Market
FEDERATED CAPITAL RESERVES
08/30/14 4,880,050 0002475616 09/30/14 5,015.81 4,880.05 . 0.00 0.02 0.00% 0.0011/0
Total Money Market $5,015.81 $4,880.05 $0.00 $0.02
Total Cash,Money Funds,and Bank Deposits $5,015.81 $4,899.11 $0.00 $0.02
Unrealized Estimated Estimated
Date Acquired Quantity Unit Cost Cost Basis Market Price Market Value Gain/Loss Annual Income Yield
Mutual Funds 93.000%of Portfolio
AMCAP FUND CLASS F-1 Security Identifier:AMPFX
Open End Fund CUSIP:023375405
Dividend Option:Cash;Capital Gains Option:Cash
04/1811212.13 21.023 20.8300 437.91 28.5200 599.58 161.67
06/15/1213 0.253 19.8420 5.02 28.5200 7.22 2.20
12/20/1313 6.994 26.7900 187.37 28.5200 199.47 12.10
02/03/14 244.228 26.2300 6,406.10 28,5200 6,965.38 559.28
02/27/14 102.695 28.3900 2,915.50 28.5200 2,928.85 13.35
Total Covered 375.193 94 g51 90 10,700.50 748.60
Total.............................. 375.193................................... ...$ ,951.9Q...
...........
..............
.........................
.$14,704.50...........
........
.........., *7
...... 48.64.....---..................................---------....."4.00
EUROPACIFIC GROWTH FUND CLASS F-1 Security Identifier:AEGFX
Open End Fund CUSIP:298706409
Dividend Option:Cash;Capital Gains Option:Cash
04/18/1213 21.264 38.6900 822.70 48.3300 1,027.69 204.99 9.28 0.90%
06/21/1312,13 12.654 41.1000 520.08 48.3300 611.57 91.49 5.52 0.90%
12/26/1313 0.866 48.1520 41.70 48.3300 41.85' 0.15 0.38 0.90%
02/03/14 169.447 45.7900 7,758.98 48.3300 8,189.37 430.39 73.98 0.90%
02/27/14 77.541 492800 3,821.24 48.3300 3,747.56 -73.68 33.86 0.90%
Total Covered 281.772 12,964.70 13,618.04 653.34 123.02
............................................................................................................._............................................................,......................................................................................-.......----..............................
Total 281.772 $12,964.70 $13,618.04 5653.34 5123.02
Page 3 of 31
Account Number:QJR-003915 Rated tncellent
BOOPDhG3CSF3002% Go paperless F.YeryYaarslnce700/ NThoBulk11N�YokMallonG�m,lo„teNY"M.dW
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LOUETTA W SNYDER ASK Anne rT a-WI WERYai ,�;:lr DAL.AR RATED COMMUNICATIONS r..h"LLC,m¢mbet FMR&NYSE.SIPC
'11. ;ate` EXCELLENCE
Portfolio Holdings (continued)
Unrealized Estimated Estimated
Date Acquired Quantity Unit Cost Cost Basis Market Price Market Value Gain/Loss Annual Income Yield
Mutual Funds (continued)
FIDELITY ADVISOR HIGH INCOME Security Identifier:FAHCX
ADVANTAGE FUND CL I CUSIP:315807875
Open End Fund
Dividend Option:Cash;Capital Gains Option:Cash
02/03/14 819.010 9.9700 8,165.53 10.0800 8,255.62 90.09 396.52 4.80%
02/27/14 87.516 10.2400 896.16 10.0800 882.16 -14.00 42.37 4.80%
Total Covered 906.526 9,061.69 9,137.78 76.09 438.89
.....
Total 906.526 $9,061.69 $9,137.78 $76.09 $438.89
FUNDAMENTAL INVESTORS CLASS F-1 Security Identifier:AFIFX
Open End Fund CUSIP:360802409
Dividend Option:Cash;Capital Gains Option:Cash
09/12/13 13 0.137 47.8100 6.55 54.0300 7.40 0.85 0.07 0.92%
12/18/1313 1.052 50.7410 53.38 54.0300 56.84 3.46 0.53 0.92%
12/18/1313 0.302 50.7620 15.33 54.0300 16.32 0.99 0.15 0.92%
02/03/14 162.094 48.8600 7,919.93 54.0300 8,757.94 838.01 81.06 0.92%
02/27/14 63.004 52.0100' 3,276.83 54.0300 3,404.10 127.27 31.50 0.92%
Total Covered 226.589 11,272.02 12,242.60 970.58 113.31
-- ............................ li4..------..............................- .............-....--•---...................------.....................-....-..--•--•------•-..........----------------------....................-----•------..........---------........-..-..----
Total 226.589 $11,272.02 $12,242.60 $970.58 $113.31
LORD ABBETT SHORT DURATION INCOME FD Security Identifier:LDLFX
CLASS F CUSIP:543916464
Open End Fund
Dividend Option:Cash;Capital Gains Option:Cash
02/03/14 8,058.090 4.5600 36,744.89 4.5000 36,261.41 -483.48 1,377.93 3.80%
02/27/14 1,265.585 4.5600 5,771.07 4.5000 5,695.13 -75.94 216.42 3.80%
Total Covered 9,323.675 42,515.96 41,956.54 -559.42 1,594.35
._....... ...._................................................... ..............----.... .._.._....._............_............................... ..............----......... -...... -.........-------------- ........----------...............................
Total 9,323.675 $42,515.96 $41,956.54 -$559.42 $1,594.35
STRATTON SMALL-CAP VALUE FUND Security Identifier:STSCX
Open End Fund CUSIP:863137105
Dividend Option:Reinvest;Capital Gains Option:Reinvest
04/18/12 73 7.878 53.3790 420.52 73.9100 582.26 161.74
06/21/1313 26.516 63.8900 1,694.11 73.9100 1,959.80 265.69
06/24/13 73 1.480 62.0680 91.86 73.9100 109.39 17.53
12/20/1313 2.781 72.4560 201.50 73.9100 205.54 4.04
Total Covered 38.655 2,407-992,856.99 449.00
Total 38.655 $2,407.99 $2,856.99 $449.00
TCW TOTAL RETURN BOND FUND Security Identifier:TGMNX
CLASS N CUSIP:87234N641
Open End Fund
Dividend Option:Cash;Capital Gains Option:Cash
04/02/13 3.12 239.985 10.5260 2,526.10 10.5900 2,541.44 15.34 63.72 2.50%
Page 4 of 31
Account Number:QJR-003915 Ra=e d Lxce
FV t±rV YP�Y lr_nt ClasNnp thtouph Panhlnp LLC,s whtllly oxnoQ�Pbaltliary
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LOUETTA W SNYDER ASK Anrn1T F VeRY DALSAR RATED COMMUNICATIONS P.1W.0 LLC,m.m 1IINRn.NYSC.amc
;- EXCELLENCE
FINANCIAL
on Cleterad SPECIALISTS LLC R"
Member FINRA/SIPC Brokerage
zoo N.Martingale Rd. • Schaumburg,IL 60173 • 888.528.2987
Accomof Statement
Statement Period:09/01/2014-09/30/2014
Portfolio Holdings (continued)
Unrealized Estimated Estimated
Date Ac uired Quanti Unfit Cost Cost Basis Market Price Market Value Gain/Loss Annual Income Yield
Mutual Funds (continued)
TCVV TOTAL RETURN BOND FUND (continued)
05/31/1313 3.776 10.5030 39.66 10.5900 39.99 0.33 1.00 2.50%
06/21/1313 823.665 10.3040 8,487.03 10.5900 8,722.61 235.58 218.68 2.50%
06/28/1313 6.874 10.2680 70.58 10.5900 72.80 2.22 1.83 2.500/a
07/31/13 73 6.470 10.2330 66.21 10.5900 68.52 2.31 1.72 2.50%
08/30/1313 6.531 10.1820 66.50 10.5900 69.16 2.66 1.73 2.50%
09/30/13 73 6.490 10.2970 66.83 10.5900 68.73 1.90 1.72 2.50%
11/01/1313 6.436 10.4300 67.13 10.5900 68.16 1.03 1.71 2.50%
11/29,1313 5.547 10.4090 57.74 10.5900 58.74 1.00 1.47 2.50%
12/30/1313 5.594 10.3500 57.90 10.5900 59.24 1.34 1.49 2.50%
02/03/14 1,452.586 10.4900 15,237.63 10.5900 15,382.88 145.25 385.66 2.50%
02/27114 3.713 10.6680 39.61 10.5900 39.32 -0.29 0.99 2.50%
316 day(s)added to your holding period as a result of a wash sale.
02/27/14 77.470 10.5660 818.55 10.5900 820.41 1.86 20.57 2.50%
344 day(s)added to your holding period as a result of a wash sale.
02/27/14 1,175.022 10.4900 12,325.99 10.5900 12,443.48 117.49 311.97 2.50%
Reinvestments to 4.626 10.4600 48.39 10.5900 48.99 0.60 1.22 2.50%
Date
Total Covered 3,824.785 39,975.85 40,504.47 528.62 1,015.48
-- ............... ................................ ............................................................----------.....................-•-----------------------...................
Total 3,824.785 $39,975.85 $40,504.47 $528.62 $1,015.48
TEMPLETON GLOBAL BOND FUND ADVISOR Security Identifier:TGBAX
CLASS CUSIP:880208400
Open End Fund
Dividend Option:Cash;Capital Gains Option:Cash
02/03/14 862.025 12.6300 10,887.38 13.2200 11,395.97 508.59 390.67 3.42%
02/27/14 66.708 12.8900 859.87 13.2200 881.88 22,01 30.23 3.42%
Total Covered 928.73311,747.25 12,277.85 530.60 420.90
........ ..-- ................................... ........................ .
Total 928.733
$11,747.25 $12,277.87.85 $5330.60 $4242 0.99
0
Total Mutual Funds $139,897.36 $143,294.77 $3,397.41 $3,705.95
Page 5 of 31
S0060463CSF3002 Account Number:QIR-003915 Ratad Lx..11-t Claadny tmr h PwshLLC-. n ownoa
p i •a when
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LOUETTAWSNYDER ASXAROL/Tn-DFLIVFRy DALBARRATED COMMUNICATIONS YwmhlnnLLC,nlel-fMNRA.WSE,SnC
'd'!•"•' EXCELLENCE
Portfolio Holdings (continued)
Unrealized Estimated Estimated
Date Acquired Quantity Unit cost Cost Basis Market Price Market Value Gain/Loss Annual Income Yield
Exchange-Traded Products 4.00%of Portfolio
ISHARES TR NORTH AMERN NAT RES ETF Security Identifier:IGE
Dividend Option:Cash;Capital Gains Option:Cash CUSIP:464287374
02/03/14 66.000 40.6050 2,679.93 44.7500 2,953.50 273.57 44.83 1.51%
ISHARES TR RUSSELL MID-CAP ETF Security Identifier:IWR
Dividend Option;Cash;Capital Gains Option:Cash CUSIP:464287499
02/03/14 18.000 143.2600 2,578.68 158.3400 2,850.12 271.44 40.41 1.41%
02/27/14 1.000 155.4900 155.49 158.3400 158.34 2.85 2.25 1.41%
Total Covered 19.000 2,734,17 3,008.46 274.29 42.66
........................................................ . . •........• - -----............................... -------...........................------------...............................
Total 19.000----------------------------------------$2,734.17-.....-------...................------.......... $3,00$.46 $274.29 ;42.66
Total Exchange-Traded Products $5,414.10 $5,961.96 $547.86 $87.49
Unrealized Accrued Estimated
Cost Basis Market Value Gain/Loss Interest Annual Income
Total Portfolio Holdings $150,210.57 $154,155.84 $3,945.27 $0.00 $3,793.46
Securities acquired before 2011 are generally not subject to the new cost basis reporting rules set forth in the Internal Revenue Code of 1986,as amended("IRC' (incorporating amendments enacted by
P.L.110-343,the Emergency Economic Stabilization Act of 2008)and are,therefore,considered"noncovered,"under the new cost basis reporting rules,and marked or denoted as such. All other securities in
this section are securities which are"covered"under the new cost basis reporting rules.Securities which are"covered"under the new cost basis reporting rules are defined as securities which have been acquired
on or after their"applicable date(s)"at which they are subject to the cost basis reporting rules and the adjusted basis will be reported to the IRS on form 1099-6 for the applicable tax year in which the security is
disposed.
Reporting requirements generally will be phased in over a three-year period,as follows:
• Stock in a corporation acquired on or after January 1,2011
• Mutual funds and dividend reinvestment plan(DRP)shares acquired on or after January 1,2012
• Other securities,principally debt securities and options,acquired on or after January 1,2014,or later,as determined by the Secretary of the Treasury.
3 The cost basis of this security has been provided to us by you or your introducing firm and Pershing makes no representation as to the accuracy of this information.
12 Pershing has received updated cost basis information,therefore cost basis provided on previous client brokerage statements may differ from the new cost basis reported in this section.
13 The cost basis of this security has been provided to us by the delivering firm or transferring agent and Pershing makes no representation as to the accuracy of this information.
Portfolio Holdings Disclosures
Pricing
This section includes the net market value of the securities in your account on a settlement date basis,including short positions,at the close of the statement period.The market prices have been obtained from
sources which we believe to be reliable. Pershing may not use the closing price of the particular exchange or marketplace where your position was purchased as the"Market Price." Securities for which a price is
not available are marked""N/A""and are omitted from the Total.
THE AS OF PRICE DATE ONLY APPEARS WHEN THE PRICE DATE DOES NOT EQUAL THE STATEMENT DATE.
Estimated Annual Figures
The estimated annual income(EAI)and estimated annual yield(EAY)figures are estimates and for informational purposes only.These figures are not considered to be a forecast or guarantee of future results.
These figures are computed using information from providers believed to be reliable;however,no assurance can be made as to the accuracy.Since interest and dividend rates are subject to change at any time,
and may be affected by current and future economic,political,and business conditions,they should not be relied on for making investment,trading,or tax decisions.These figures assume that the position
Page 6 of 31
B0060463CSF30027 Account Number:QJR-003915 Rated E,II n C11111.9 th gh R-rthblp LLC,a wh"Ny o dcabaldiary
A.I.-t,2-I:t, �, F.vRry YrRr Sinca 2007I'
LOUETTAW SNYDER ASK ABOUT F-DF.I.IVFRY - D RATED COMMUNICATIONS Aenhing LLC,m-mWrflNA.NY C,EI C
"';�^`" EXCELLENCECELLSCELLENCE
FINANCIAL
Cetera- SPECIALISTS LLC
MemberFINRA/SIPC Brokelege M
zoo N.Martingale Rd. - Schaumburg,IL 60173 -888.528.2987
Account Statement ,
Statement Period:09/01/2014-09/30/2014
Portfolio Holdings Disclosures (continued)
Estimated Annual Figures(continued)
quantities,interest and dividend rates,and prices remain constant.A capital gain or return of principal may be included in the figures for certain securities,thereby overstating them.Refer to
www.pershing.com/business_continuity.htmi for specific details as to formulas used to calculate the figures.Accrued interest represents interest earned but not yet received.
Reinvestment
The dollar amount of Mutual Fund distributions,Money Market Fund dividend income,Bank Deposit interest income,or dividends for other securities shown on your statement may have been reinvested.You will
not receive confirmation of these reinvestments.Upon written request to your financial institution,information pertaining to these transactions,including the time of execution and the name of the person from
whom your security was purchased,may be obtained. In dividend reinvestment transactions,Pershing acts as your agent and receives payment for order flow.
Option Disclosure
Information with respect to commissions and other charges incurred in connection with the execution of option transactions has been included in confirmations previously furnished to you. A summary of this
information is available to you promptly upon your written request directed to your introducing firm. In order to assist your introducing firm in maintaining current background and financial information concerning
your option accounts,please promptly advise them in writing of any material change in your investment objectives or financial situation. Expiring options which are valuable are exercised automatically pursuant
to the exercise by exception procedure of the Options Clearing Corporation.Additional information regarding this procedure is available upon written request to your introducing firm.
Foreign Currency Transactions
Pershing may execute foreign currency transactions as principal for your account. Pershing may automatically convert foreign currency to or from U.S.dollars for dividends and similar corporate action
transactions unless you instruct your financial organization otherwise. Pershing's currency conversion rate will not exceed the highest interbank conversion rate identified from customary banking sources on the
conversion date or the prior business day,increased by up to 1%,unless a particular rate is required by applicable law. Your financial organization may also increase the currency conversion rate. This
conversion rate may differ from rates in effect on the date you executed a transaction,incurred a charge,or received a credit. Transactions converted by agents(such as depositories)will be billed at the rates
such agents use.
Proxy Vote
Securities not fully paid for in your margin account may be lent by Pershing to itself or others in accordance with the terms outlined in the Margin Agreement.The right to vote your shares held on margin may be
reduced by the amount of shares on loan.The Proxy Voting Instruction Form sent to you may reflect a smaller number of shares entitled to vote than the number of shares in your margin account.
Money Market Fund Detail
Date Activity Type Description Amount Balance
Sweep Money Market Fund
FEDERATED CAPITAL RESERVES
Account Number:0002475616 Current Yield: 0.00% Activity Ending:09/30/14
08/30/14 Opening Balance 5,015.81 5,015.81
09/03/14 Deposit MONEY FUND PURCHASE 249.51 5,265.32
09/05/14 Withdrawal MONEY FUND REDEMPTION -2,200.00 3,065.32
09/11/14 Deposit MONEY FUND PURCHASE 5,572.24 8,637.56
09/15/14 Withdrawal MONEY FUND REDEMPTION -3,819.02 4,818.54
09/18/14 Deposit MONEY FUND PURCHASE 30.65 4,849.19
09/19/14 Deposit MONEY FUND PURCHASE 30.86 4,880.05
09/30/14 Closing Balance $4,880.05
Total All Money Market Funds $4,880.05
Page 7 of 31
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