HomeMy WebLinkAbout09-08-15 (2) J J:�( pennsylvania 1505618403
��s DEPARTMENT OF REVEN
�X(03-14)
REV-1500 OFFICIAL USE ONLY
Bureau of Individual Taxes Counry Code Year Fiie Number
PO eox 2sosoi INHERITANCE TAX RETURN
Harrisbur4, PA 17128-0601 RESIDENT DECEDENT 21 14 ❑8 5❑
ENTER DECEDENT INFORMATION BELOW
Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY
a� 31 2014 03 08 1916
DecedenYs Last Name Suffix DecedenYs First Name M�
WIDDER J • H
(If Applicable)Enter Surviving Spouse's Information Below
Spouse's Last Name Suffix Spouse's First Name MI
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
REGISTER OF WILLS
FILL IN APPROPRIATE OVALS BELOW
� 1. Original Return � 2. Supplemental Return � 3. Remainder Return(date of death
prior to 12-13-82)
� 4. Agricultural Exemption(date of � 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 � 9. Total Number of Safe Deposit Boxes
(Attach copy of will) (Attach copy of trust.)
� 10. Litigation Proceeds Received � 11. Non-Probate Transferee Return � 12. Deferrai/Election of Spousal Trusts
(Schedule F and G Assets Only)
� 13. Business Assets � 14. Spouse is Sole Beneficiary
(No trust involved)
CORRESPONDENT-THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED T0:
Name Daytime Telephone Number
SUSAN E LEDERER 717 652 7323
First Line of Address
5011 LOCUST LANE
Second Line of Address
City or Post Office State ZIP Code
HARRISBURG PA 17109
CorrespondenYs email address: Susan@ledererlaw.com
REGISTER OF WILLS US�F ONLY
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REGISTER OF WILLS USE ONLY � c1't �� �Tj
DATE FILED MMDDYYYY _� � �-� t�� �
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Side 1
� I IIIIII IIIII II I IIIII(I I I I II I III II II I I II�
15056184�3 15�5618403 �
�
� 1505618411
REV-1500 EX
DecedenYs Social Security Number
oecede�rs Name: Widde�, J. Ha�old
RECAPITULATION
1. Real Estate(Schedule A)....................................................................................... 1.
2. Stocks and Bonds(Schedule B)............................................................................. 2. 17 7,8 51 • 7 3
3. Closely Held Corporation,Partnership or Sole-Proprielorship(Schedule C)......... 3.
4. Mortgages and Notes Receivable(Schedule D).................................................... 4.
5. Cash,Bank Deposits and Miscellaneous Personal Property(Schedule E).......... 5. 10 6,319 � 3 7
�
6. Jointly Owned Property(Schedule F) ;� Separate Billing Requested............ 6.
7. Inter-Vivos Transfers&Miscellaneous Non-Probate Property
(Schedule G) � Separate Biiling Requested............ 7. 2 3 8 ,5 3 0 • 4 3
8. Total Gross Assets(total Lines 1 through 7)........................................................ 8. 5 2 2,7 01 • 5 3
9. Funeral Expenses and Administrative Costs(Schedule H).................................... 9. 3 5,8 6 4 • 4 7
10. Debts of Decedent,Mortgage Liabilities and Liens(Schedule I)............................ 10 19 0 - 4 7
11. Total Deductions(total Lines 9 and 10)................................................................ 11. 3 6,D 5 4 • 9 4
12. Net Value of Estate(Line 8 minus Line 11).......................................................... 12. 4 8 6,6 4 6 • 5 9
13. Charitable and Governmental Bequests/Sec 9113 Trusts for which
an election to tax has not been made(Schedule J)............................................... 13. 19 4 ,6 5 8 - 6 4
14. Net Value Subject to Tax(Line 12 minus line 13)............................................... 14. 2 91,9 8 7 • 9 5
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.00 15. 0 • 0 0
16. Amount of Line 14 taxable
at lineai rate X .045 0 • �0 �6. ❑ • 0 0
1i. Amount of Line 14 taxable
at sibling rate X.12 0 - 0 0 �7• 0 • 0 0
18. Amount of Line 14 taxabie
at co��atera�rate x.�5 2 91 ,9 8 7 . 9 5 �$. 4 3,7 9 8 • 19
19. TAXDUE................................................................................................................ 19. 43,798 - 19
20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT �
U�der penalties of perjury,i declare I have examined this return,inGuding accompanying schedules and statements,and to the best of my knowledge and belief,
it is true,correct and complete.DeGaration of preparer othar than the person responsible for filing the retum is based on all information of which preparer has
any k dge.
SIG A U E OF ERS RE ON OR LiNG RETURN pamela F.Van Kirk DATE
L.��, ( a c�l�
ADDRESS
412 Darla Road, Mechanicsburg, PA 17055
SIG TURE OF PREP R THER THAN REPRESENTATIVE Susan E. Lederer DATE
� ��/� �� � � �� � � 1� � �
AODRESS
5011 Locust Lane, Harrisburg, PA 17109
I I'llll III�I'llll I�III�III'(IIII III�I I'lll'I�'I(I�'I II�I(I'I Side 2
� 1505618411 1505618411 �
Rev1503 EX+�OB-12)
SCHEDULE B
pennsylvania STOCKS & BONDS
DEPARTMENT OFREVENUE
INHERITANCE TAX RETURN continued
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Widder, J. Harold 21-14-0850
ITEM CUSIP VALUE AT DATE
NUMBER NUMBER DESCRIPTION UNIT VALUE OF DEATH
9 74441J829 3,565.4050 shares of Prudential Absolute Return Bond CI Z, 9.88 35,226.20
held in AXA Advisors Account No. 8500-3578,titled to John
H.Widder($9.88/NAV)
10 47803M168 1,758.5540 shares of John Hancock Absolute Return 9.81 17,251.41
Currency CI I, held in AXA Advisors Account No. 8500-3578,
titled to John H.Widder($9.81/NAV)
11 74676P219 247.3080 shares of Putnam Equity Spectrum CI Y, held in 42.81 10,587.26
AXA Advisors Account No. 8500-3578,titled to John H.
Widder($42.811NAV)
12 01878T202 1,403.1590 shares of Alliance Bernstein Select US Long 12.10 16,978.22
Short Advisor CI, held in AXA Advisors Account No. 8500
-3578,titled to John H.Widder($12.10/NAV)
I
TOTAL (Also enter on Line 2, Recapitulation) 177,851.73
Copyright(c)2012 form software only The Lackner Group, Inc. Form PA-1500 Schedule B(Rev. 08-12)
Rev-1506 EX+�08-12)
SCHEDULE E
pennsylvania CASH, BANK DEPOSITS, & MISC.
DEPARTMENT OFREVENUE p E RS O NA L P RO P E RTY
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Widder, J. Harold 21-14-0850
Include the proceeds of litigation and the date the proceeds were received by the estate.
All property Jolntly-owned with the right of survivorship must be disclosed on schedule F.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1 10,102.1800 units held in AXA Advisors Insured Cash Account No.8500-3578,titled to John 10,102.18
H.Widder($1.00/NAV)
2 Cash, held in AXA Advisors Account No. 8500-3578,titled to John H.Widder 157.47
3 Checking Account No.6210990286, held at Citizens Bank,titled to J. Harold Widder($0.15 28,035.67
accruedinterest)
4 Checking Account No.6218731107, held at Citizens Bank,titled to J. Harold Widder($0.08 11,305.09
accruedinterest)
5 Checking Account No. 6235806640, held at Citizens Bank,titled to J. Harold Widder($0.78 34,041.16
accrued interest)
6 Check from Bowmansdale Lodge(Odd Fellows death benefit) 500.00
7 Check from Church of God Home(refund of patient account) 8,353.30
8 Check from Genworth Financial(refund of long term care benefit) 1,100.00
9 Check from Dale L. Rishel (sale of coins) 11,890.00
10 The Gold Mine (sale of coins, copy of check not available) 24.50
11 Mumma Jewelers (sale of gold jewelry, copy of check not available) 560.00
12 Miscellaneous personal property 250.00
TOTAL(Also enter on Line 5, Recapituiation) 106,319.37
(If more space is needed,additional pages of the same size)
Copyright(c)2012 form software only The Lackner Group, Inc. Form PA-1500 Schedule E(Rev. 08-12)
Rev7610 EX+�08•09)
SCHEDULE G
pennsylvania lNTER-VIVOS TRANSFERS AND
DEPARTMENT OF REVENUE MISC. NON-PROBATE PROPERTY
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Widder, J. Harold 21-14-0850
This schedule must be completed and filed if the answer to any of questions 1 through 4 on page three of the REV-1500 is yes.
ITEM DESCRIPTION OF PROPERTY DATE OF DEATH �o OF DECD'S EXCLUSION TAXABLE
NUMBER THE DA�TE OF�R�NSFERSATTACIiTA CO Y OF TI�E DEIED�OR REAL ESTATE VALUE OF ASSET INTEREST (IF APPLICAB�E) VALUE
1 Savings Account No.361801-00, held at Members 1st 5.00 100.000% 5.00
Federal Credit Union,titled to the J. Harold Widder
and Thelma I.Widder Marital Trust
2 Certificate of Deposit No.361801-41, held at Members 27,368.71 100.000% 27,368.71
1st Federal Credit Union,titled to the J. Harold Widder
and Thelma I.Widder Marital Trust($27.87 accrued
interest)
3 140 shares of MetLife stock,titled to the J. Harold 7,449.40 100.000% 7,449.40
Widder and Thelma I.Widder Living Trust
($53.21/share),CUSIP#59156R108
4 Certificate No.699, held at Home Missions Council, 38,176.75 100.000% 38,176.75
titled to the J. Harold Widder and Thelma I.Widder
Living Trust
5 957.0320 shares of Optimum Large Cap Growth Instl 16,039.86 100.000% 16,039.86
CI, held in AXA Advisors Account No. 8500-3593,titled
to J. Harold Widder and Thelma I.Widder,Trustees of
the Harold and Thelma Widder Revocable Living Trust
($16.76/NAV),CUSIP#246118871
6 1,011.2830 shares of Optimum Large Cap Value Instl 15,685.00 100.000% 15,685.00
CI, held in AXA Advisors Account No. 8500-3593,titled
to J. Harold Widder and Thelma I.Widder,Trustees of
the Harold and Thelma Widder Revocable Living Trust
($15.51/NAV), CUSIP#246118830
7 510.2870 shares of Optimum Small Mid Cap Growth 7,776.77 100.000% 7,776.77
Instl CI, held in AXA Advisors Account No. 8500-3593,
titled to J. Harold Widder and Thelma I.Widder,
Trustees of the Harold and Thelma Widder Revocable
Living Trust($15.24/NAV), CUSIP#246118780
Total of Continuation Schedules See attached
a es
TOTAL(Also enter on Line 7, Recapitulation) 238,530.43
(If more space is needed,additional pages of the same size)
Copyright(c)2009 form software only The Lackner Group, Inc. Form PA-1500 Schedule G (Rev. 08-09)
Rev-7610 EX+(08-09)
SCHEDULE G
pennsylvania lNTER-VIVOS TRANSFERS AND
DEPARTMENT OFREVENUE
INHERITANCETAXRETURN MISC. NON-PROBATE PROPERTY
RESIDENT DECEDENT
continued
ESTATE OF FILE NUMBER
Widder, J. Harold 21-14-0850
ITEM DESCRIPTION OF PROPERTY DATE OF DEATH %OF DECD'S EXCLUSION TAXABLE
NUMBER THELDATE OF TRANSFERSATTAChi A COPYEOF T�E DEED�OR REA�L ESTAT�E. VALUE OF ASSET INTEREST (IF APPLICABLE) VA�UE
8 562.1780 shares of Optimum Small Mid Cap Value 8,213.42 100.000% 8,213.42
instl CI, hefd in AXA Advisors Account No. 8500-3593,
titled to J. Harold Widder and Thelma I.Widder,
Trustees of the Harold and Thelma Widder Revocable
Living Trust($14.61/NAV),CUSIP#246118749
9 635.8070 shares of Optimum Intl Instl Ci, held in AXA 7,953.95 100.000% 7,953.95
Advisors Account No. 8500-3593,titled to J. Harold
Widder and Thelma I.Widder,Trustees of the Harold
and Thelma Widder Revocable Living Trust
($12.51/NAV), CUSIP#246118699
10 5,941.2910 shares of Optimum Fixed Income Instl CI, 57,274.05 100.000% 57,274.05
held in AXA Advisors Account No. 8500-3593,titled to
J. Harold Widder and Thelma I.Widder,Trustees of
the Harold and Thelma Widder Revocable Living Trust
($9.64/NAV), CUSIP#246118657
11 776.4300 units held in AXA Advisors Insured Cash 776.43 100.000% 776.43
Account No. 8500-3593,titled to J. Harold Widder and
Thelma I.Widder,Trustees of the Harold and Thelma
Widder Revocable Living Trust($1.00/NAV)
12 American National Annuity Contract No. LAR0015998, 41,850.19 100.000% 41,850.19
Harold and Thelma Widder Living Trust, owner, Harold
and Thelma Widder Revocable Living Trust,
beneficiary
13 Sagicor(prepaid funeral contract) 9,960.90 100.000% 9,960.90
Copyright(c)2009 form software only The Lackner Group, Inc. Form PA-1500 Schedule G(Rev. 08-09)
Rev1510 EX+�OB-09)
SCHEDULE G
pennsylvania lNTER-VIVOS TRANSFERS AND
DEPARTMENT OFREVENUE
INHERITANCETAXRETURN MISC. NON-PROBATE PROPERTY
RESIDENT DECEDENT
continued
ESTATE OF FILE NUMBER
Widder, J. Harold 21-14-0850
ITEM DESCRIPTION OF PROPERTY DATE OF DEATH %OF DECD'S exc�usioN TAXABLE
NUMBER THELDATE OF RANSFERSATRACH A COPYEOF TI�HE DEIED�OR REA�L EST T�E VALUE OF ASSET INTEREST (IF APPLICABLE) VALUE
14 Promissory Note -Harold and Thelma Widder Living 0.00 0.00
Trust Harold and Thelma Widder, Trustees, Payees,
Glen W. Hebert and Jennifer G. Hebert, husband and
wife, Makers. Note dated August 26, 1998. The
principal amount was$40,911.00. Payments were
interest only in six-month installments beginning
February 26, 1999 in the amount of$2,045.00 with a
10%interest rate. The note was due August 26, 2001.
No records of payment exist on this Note. Mr. Hebert
was Harold and Thelma Widder's financial advisor.
The Note was renewed on August 29,2001 and was
titled Personal Loan. The Horse Stuff Company was
substituted as Maker in place of Glen W. Hebert.
Jennifer G. Hebert remained a Maker of the Note/Loan.
The principal amount was$40,911.00. Payments were
the same term as the previous Note with the
remaining principal and interest being due August 26,
2002. At some point the interest rate for the loan was
adjusted to 4%and late payment charges were never
applied. The only records the Trust has regarding the
loan begins with a much lower amount of principal
due. It is unknown if payments were made or if the
parties agreed to decrease the principal amount due.
In April of 2008,the principal due was $22,941.00.
The current Trustees of the Trust contacted the
Heberts in June of 2012 via letter and requested their
records regarding the loan as well as payment of the
loan. The attached listing of payments was received,
but no additional payments were made. There were
15 payments made since the Note became due on
August 26, 2002. These payments were made
between April 4, 2008 and May 17, 2011. The
outstanding balance as of date of death was
$25,828.74(per calculations by Steven W. Fahnestock,
CPA applying the pattern of payments made over the
years which do not necessarily follow the terms of the
original Promissory Note or Personal Loan).
Copyright(c)2009 form software only The Lackner Group, Inc. Form PA-1500 Schedule G(Rev. OS-09)
Rev-1510 EX+�OB-09)
SCHEDULE G
pennsylvania lNTER-VIVOS TRANSFERS AND
DEPARTMENT OFREVENUE
INHERITANCE TAX RETURN MISC. NON-PROBATE PROPERTY
RESIDENT DECEDENT
continued
ESTATE OF FILE NUMBER
Widder, J. Harold 21-14-0850
ITEM DESCRIPTION OF PROPERTY DATE OF DEATH %OF DECD'S EXCLUSION TAXABLE
NUMBER THELDATE OF TRANSFERSATRACH A COPY OF TI�E DEED�OR REA�L ESTA E. VALUE OF ASSET INTEREST �IF APPLICABLE) VALUE
Few payments were made over the years, the last one
of which was in May of 2011. Glenn and Jennifer
Hebert have moved many times and to many states
since the original note was signed. It is believed that
they have many other creditors. They were notified of
J. Harold Widder's death on August 4, 2014 and have
not made a payment or provided any additiona�
information regarding the debt. The Trust contends
that this debt is uncollectible and there is no
reasonable hope of repayment given the lack of
payments,the age of the debt,and the fact that the
Makers reside out of state, rendering this asset
worthless. The Trust provides information regarding
this Note for informational purposes only.
Copyright(c)2009 form software only The Lackner Group, Inc. Form PA-1500 Schedule G(Rev.08-09)
REV•7571 EX+�08-13)
pennsylvania SCHEDULE H
DEPARTMENTOFREVENUE FUNERAL EXPENSES AND
INHERITANCETAXRETURN ADMINISTRATIVE COSTS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Widder, J. Harold 21-14-0850
DecedenYs debts must be reported on Schedule I.
ITEM
N MBER DESCRIPTION AMOUNT
A. FUNERAL EXPENSES:
See continuation schedule(s) attached 11,577.35
B. ADMINISTRATIVE COSTS:
1. Personal Representative's Commissions
Name of Personal Representative(s)
Pamela F. Van Kirk Patricia F. Taylor Jim Van Kirk
Street Address 412 Darla Road
city Mechanicsburg state PA zio 17055
Year(s)Commission Paid 2015 10,908.00
2. Attorney's Fees Law Offices of Susan E. Lederer(estimate) 12,000.00
3. Family Exemption: (If decedenYs address is not the same as claimanYs,attach expianation)
Claimant
Street Address
City State Zio
Relationshiq of Claimant to Decedent
4. Probate Fees Cumberland County Register of Wills 410.50
5. AccountanYs Fees Stephen Fahnestock, CPA 375.00
6. Tax Return Preparer's Fees
7. Other Administrative Costs 593.62
See continuation schedule(s) attached
TOTAL(Also enter on line 9, Recapitulation) 35,864.47
Copyright(c)2013 form software only The Lackner Group, Inc. Form PA-1500 Schedule H(Rev. OS-13)
SCHEDULE H
FUNERAL EXPENSES AND ADMINISTRATIVE COSTS
continued
ESTATE OF FILE NUMBER
Widder, J. Harold 21-14-0850
ITEM
NUMBER DESCRIPTION AMOUNT
Funeral Ex enses
1 Malpezzi Funeral Home 11,459.37
2 Giant Food Stores (supplies for funeral luncheon) 117.98
H-A 11,577.35
Other Administrative Costs
3 Cumberland Law Journal (legal advertising) 75.00
4 Cariisle Sentinel (legal advertising) 243.64
5 Cumberland County Register of Wills (additional short certificates) 10.00
6 Pennsylvania Department of Revenue(state income tax owed) 120.00
7 Citizens Bank(additional checks-estate) 9.99
8 Citizens Bank(additional checks-trust) 9.99
9 Steven W. Fahnestock, CPA(accounting services) 125.00
H-67 593.62
Copyright(c)2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H(Rev.6-98)
Revtb12 EX+�12.12)
SCHEDULE 1
pennsylvania DEBTS OF DECEDENT,
DEPARTMENTOFREVENUE MORTGAGE LIABILITIES AND LIENS
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Widder, J. Harold 21-14-0850
Report debts incurred by the decedent prior to death that remained unpaid at the date oi death,Including unrelmbursed medical expenses.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1 Watershed Urology(medical bill) 15.00
2 Brockie Pharmatech(prescription bill) 10.00
3 Cumberland Goodwill Emergency Services of Carlisle (ambulance service) 100.00
4 Brockie Pharmacare (pharmacy bill) 50.47
5 Church of God Home(service fee) 15.00
TOTAL(Also enter on Line 10, Recapitulation) 190.47
(If more space is needed,additional pages of the same size)
Copyright(c)2012 form software only The Lackner Group, Inc. Form PA-1500 Schedule I(Rev. 12-12)
REV-157J EX+(01-70)
pennsylvania SCHEDULE J
DEPARTMENT OFREVENUE
INHERITANCE TAX RETURN BENEFICIARIES
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Widder, J. Harold 21-14-0850
NAME AND ADDRESS OF RELATIONSHIP TO SHARE OF ESTATE AMOUNT OF ESTATE
NUMBER PERSON(S)RECEIVING PROPERTY DECEDENT �Words) ($$$)
Is Tr stee
I� TAXABLE DISTRIBUTIONS [include outright spousal
distributions,and transfers
under Sec.9116 a 1.2
1 Betty Thumma Special Needs Trust Niece 6%of residuary 29,198.80
c/o John B.Thumma,Trustee estate
P.O. Box 176
Vanderwagen,NM 87326
2 James Harney Nephew 6%of residuary 29,198.80
2735 St. Charles Circle estate
Union, KY 41091
3 John Harney Nephew 6%of residuary 29,198.80
10762 Marshall Road estate
Covington, KY 41015
4 Richard Harney Nephew 6%of residuary 29,198.80
10368 Marshall Road estate
Covington, KY 41015
5 Gregory Proudfoot Nephew 6%of residuary 29,198.80
31 North 26th Street estate
Camp Hill, PA 17011
See continuation schedule attached Continuation 145,993.95
Total 291,987.95
Enter dollar amounts for distributions shown above on lines 15 throu h 18 on Rev 1500 cover sheet,as a ro riate.
NON-TAXABLE DISTRIBUTIONS:
II. A.SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN
B.CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS
1 Church of God Home 97,329.32
2 Doubling Gap Center 72,996.99
3 First Church of God 24,332.33
TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET 194,658.64
Copyright(c)2010 form software only The Lackner Group, Inc. Form PA-1500 Schedule J(Rev. 01-10)
SCHEDULE J
BENEFICIARIES
(Part I, Taxable Distributions)
ESTATE OF:
J. Harold Widder 07/31/2014 204-03-9773
Item Name and Address of Person(s) Share of Estate Amount of Estate
Number Receiving Property Relationship (Words) ($$$)
6 Patricia F.Taylor Niece 6%of residuary estate 29,198.79
715 Alberta Avenue
Mechanicsburg, PA 17050
7 John Thumma Nephew 6%of residuary estate 29,198.79
P.O. Box 176
Vanderwagen, NM 87326
8 Milford Thumma Nephew 6%of residuary estate 29,198.79
3841 W. Chippewa River Rd.
Shepherd, MI 48883
9 Tom Thumma Nephew 6%of residuary estate 29,198.79
233 North Middlesex Rd.
Carlisle, PA 17013
10 Pamela F. Van Kirk Niece 6%of residuary estate 29,198.79
412 Darla Road
Mechanicsburg, PA 17055
Total 145.993.95
1
. ;. • � `
� � ��.�
Last Will and Testament
of
J. Haroid Widder
I, J. Harold Widder, a resident of Carlisle, Cumberland County, Pennsylvania,
revoke any prior wills and codicils rxiade by me and declare this ta be my Last Will and
Testament.
Arfiicle One
Family Information
I have no children.
I have provided for the following individuals in zny Will':
Name Relationship
James Harney nephew
John Harney nephew
Richard Harn.ey nephew
Greggory Proudfoot ����e�,�,
Pamela F. VanKirk niece
Patricia F. Taylor niece
Milford Thum.rrza nephew
Tom Thumma nephew .
Betty Thumma niece
John Thumma nephew
Article Two
Exercise. of Power of Appointmenfi
In Article III, Section B of the J. Harold Widder and Thelma I. Widder Marital Tzust, I
was granted a testame�tary power af appointment. I hereby exercise that power of
appointment and appoint the property subject to the power to the xesiduary beneficiaries
under my wilI, in accordance with the provisions of Articles Four, Five and Six
hereunder.
Page 1
Article Three
My Residuary Estate
Section 3.01 Definition of My Residuary Estate
All the remainder of zny estate will be referred to in my Wzll as my"residuary estate."
Section 3.02 Disposition of My Residuary Estate
My residuary estate wi11 be administered as provided in Article Fouz entitled "Division
into Charitable and Non-Charitable Shares."
Article Four
Division into Charitable and Non-Charitable Shar�s
My Executor sha11 divide zny residuary estate into the Charitable Share and the Non-
Charitab�e Share as provided in this Article.
Section 4,01 Creation of the Charitable Share
My Executor shall allocate 40% of zny residuary estate to the Charitable Shaze. The
Charitable Share nnust carry with it a pro rata share of the income.
My Executor has complete authority and discretion to satisfy distributions to the
Charitable Share and Non-Charitable Shaxe in cash or in kind, or partly in cash and partly
in kind, or in undivided interests in property. My Executor shall administer the
Charitable Shaxe as provided in Article Five entitled "Distribution of the Chaxitable
Share."
Section 4.02 Creatian of the Non-Charitable Share
My Executor shall allocate the baiance of my residuary esta.te to the Non-Charitable
Share. The Non-Charitable Share shall be adminzstered as provided in Article Six
entitled Distribution of the Non-Charitable Share."
Articte Five
Disfiribufiion of the Charitable Share
My Executor shall administer and distribute the Charitable Shaxe tu�der the terms of this �
Article.
Section 5.01 Division of the Charitable Share
My Executor sha11 divide the Charitable Share into the following shares:
Page 2 ,
Beneficiary Share
Church of God Home 200�0
801 N. Hanover Street, Carlisle, PA 17013
Doubling Gap Center 15%
1550 Doubling Gap Road,Newville, PA 17241
First Church of God S%
28 East Main Street, Mechanicsburg, PA 17055
Section 5.02 Distribution to Church of God Home
My Executor shall d'zstribute Church of God Home's share outright, and free o�trust, to
Church of God Home or its successor in interest, to be used exclusively for its genezal
chaxitable purposes.
If Church of God Home is not in existence at the time of distribution and theze is no
successor in interest or its successors in interest cannot be identified with reasonable
certainty, then my Executor shall designate one or more charitable oxganizations having
the same or si.milar charitable purposes as Church of God Home to receive Church of
God Home's share. Each charitable organization must be a charity of a type described in
Section 2055(a) of the Intemal Revenue Code. My Executor shall determine the
arnounts, shares and interests of the distributions.
Section 5.03 Distribution to Doubling Gap Center
My Executor shall distribute Doublzng Gap Center's share outright, and free of trust, to
Doubling Gap Cez�ter or its successor in interest, to be used exclusively for its general
charitable puzposes.
If Doubling Gap Center is not in existence at the time of distribution and there is no
successor in interest or its successors in intexest cannot be identified with zeasonable
certainty, then my Executox shall designate one or more charitable organizations having
the same or similar charitable purposes as Doubling Gap Center to receive Doubling Gap
Center's share. Each charitable organization must be a charity of a type described in
Section 2055(a) of the Internal Revenue Code. My Executor shall determine the
amounts, shares and interests of the distributions.
Section 5.04 Distribution to First Church of God
My Executor shali distribute First Church of God's share outriglit, and free of trust, to
First Church of God or its successor in interest, to be used exclusively for its genezal
chaxitable purposes.
If First Church of God is not in existence at the time of distribution and there is no
successor in interest or its successors in interest cannot be identified with reasonable
certainty, then my Executor shall designate one or more charitable organizations having
the saxne or similar charitable purposes as First Ck�urch of God to receive First Chuxch of
God's share. Each charitable orgazzization znust be a charity of a type descrzbed in
Section 2055(a) of the Internal Revenue Code. My Executor shall determine the
amounts, shares and znterests of the distributions.
Page 3
Articie Six
Distribution of the Non-Charitable Share
The Non-Charitable Share will be administered urzder the terzn.s of this Article.
Section 6.01 Division of Remaining Trust Property
My Executor sha11 divide the Non-Charitable Share into shares as follows:
Name Relationship Share
James Harney nephew 6%
Richaxd Harney nephew 6%
John Harney nephew 6%
Greggory Proudfoot nephew 6% •
Pamela F. VanKirk niece 6%
Patzicia F. Taylor niece 6%
Milford Thumnna nephew 6%
Tozn T'humma nephew 6%
John: Thumma nephew 6%
Betty Thumrna niece 6%
Each beneficiary's share will be adrnin�stered as provided in the Sections that follow.
Section 6.02 Distribution of the Share for James Harney
The share set aside for Jannes Harney is to be distributed to him outright.
If Jannes Harney is deceased, Jannes Harney's share shall be distributed to his lzving
descendants,per stirpes, If James Harney has no living desceindants, his share is to be
distributed pro rata to his surviving siblings. If there are no surviving siblings, his share
will be administered as provided in Article Seven entitled "Reznote Contingent
Distribution."
Section 6.03 Distribution of the Share for Richard Harney
The share set aside�or Richard Harney is to be distributed to him outright.
If Richard Harney is deceased, Richard Harney's share shall be distributed to his living
descendants,per stirpes. If Richaxd �-iar�ey �.as no�living descendants, his share is to be
distributed pro rata to his surviving siblings. If there are no surviving siblings, his share
will be administered as provided in Article Seven entitled "Remote Contingent
Distribution."
Page 4
Section 6.04 Distribution of the Share for John Harney
The shaze set aside for John Harney is to be distributed to him outright.
If John harney is deceased, John Harney's share shall be distributed to his living
descendants, per stirpes. If John Harney has no living descendants, hzs shaxe is to be
distributed pro rata to his surviving siblings. If there axe no surviving siblings, his share
will be adminzstered as provided in Artzcle Seven entitled "Remote Contingent
Distribution."
Section 6.05 Distribution of the Share for Greggory Proudfoot
The share set aside for Greggory Proudfoot is to be distributed to him outright.
If Greggory Proudfoot is deceased, Greggoxy Pzoudfaot's share shall be distributed to his
living descendants, per stirpes. If Greggory Proudfoot has no living descendants, his
share is to be distributed pro rata to his suxviving siblings. Zf there are no suzviving
sibiings, his share will be administered as provided in A,z�ticle Seven entztled "Remote
Contingent Distzibution."
Section 6.06 Distribution of the Share for Pamela F. VanKirk
The share set aside for Pamela F. VanKirk is to be distributed to her outright.
If Pamela F. VanKirk is deceased, Pamela F. 'VanKirk's shaz�e shall be distributed to her
living descendants, per stirpes. Tf Pamela F. VanKirk has no living descendants, her
share zs to be distributed pro rata to the other beneficiaries named in this Article. If there
az�e no other named beneficiaries her share will be adzninistered as provided in Article
Seven entitled"Remote Contingent Distribution."
Section 6.07 Distribution of the Share for Patricia F. Taylor
The share set aside for Patricia F. Taylor is to be distributed to her outright.
If Patricia �'. Taylor is deceased, �'atricia F. Taylor's share shall be distributed to her
living descez�dan.ts,per stirpes. If Patricia r. Taylor has no living descendants, her share
is to be distributed pro rata to her surviving siblings. If there are no surviving siblings,
her share wzll be administered as provided in Article Seven entitled "Remote Contingent
Distribution."
Section 6.08 Distribution of the Share for Milford Thumma
The share set aside for Milford Thumma is to be distributed to him outright.
If Milford Thumma is deceased, Milford Thumm.a's share shail be distributed to his
living descendants,per stirpes. If Milford Thumma has no living descendants, his share
is to be dzstributed pro rata to his surviving siblings. If there are no surviving siblings, his
share wzll be administered as provided in Article Seven entitled "Remote Continge�t
D'zstribution."
Section 6.09 Distribution of the Share for Tom Thumma
The share set aside for Tom Thuinma is to be distributed to him outright.
Page S
If Tom Thumma is deceased, Tom Thumma's share shall be distributed to his living
descendants, per- stirpes. If Tonn Thumma has no living descendants, his share is to be
distributed pro rata his suzviving siblings. If there are no surviving siblings, his share will
be admirustexed as provided in Article Seven entitled"Remote Contingent Distribution."
Section 6.10 Distribution of the Share for John Thumma
The share set aside for John Thumma is to be distributed to him outright.
If John Thumma is deceased, Jokaia Thumma's share shall be distributed to his living
descendants,per stirpes. Zf John Thumma has no living descendants, his shaz�e is to be
distributed pro rata to his surviving siblings. If there are no suz-viving siblin.gs, hzs shaxe
wiil be administered as provided in Article Seven entitled "Remote Contingent
Distribution."
Section 6.11 Distribution of the Share for Betty Thumma
My Trustee shall administer the share set aside for Betty Thumma in trust as provided in
this Section.
(a) Dis#ributions for Special Needs
My Trustee, in its sole, absolute, and unreviewable discretio�, znay
distribute discretionary amounts of net income ar�.d principal for special
needs of Betty Thumma not otherwise provided by govarnmental fznancial
assistan.ce and benefits or other service providers.
Special needs refers to the basic requirements for maintaining the good
health, safety, and welfare, when, in the discretion of my Trustee, those
basic requirements are not being provided by any public agency, off ce, or
department of any state or the Un.ited States.
Special needs also includes medical and dental expenses; annual
independent checkups; ciothing and equipment; programs of training,
education, treatment, and rehabilitation; private residential care;
transportation, includin.g vehicle purchases; maintenance; insurance; and
essential dietary needs. Special needs may include spending money;
additional food; clothing; electronic equiprnent such as rad'zo, recording
axzd playback devices, television, and computer equipment; camping;
vacations; athletic contests; movies; trips; and money to purchase
appropriate gifts for relatives and frie�ds.
My Trustee has no obligation to expend trust assets for those aeeds, but i�
my Trustee, in its sole, absolute and unreviewable discretion, decides to
expend trust assets, under no circumstances znay any amounts be paid or
reimbwrsed to tl�e federal governrnent, any state, or any governmental
ageney for any purpose, including for the care, support, and maintenance
of Betty Thumma.
Page 6
(b) Objective ta Promote Independence of Betty Thumma
While actions are in zny Trustee's sole, absolute and unxeviewable
discretion, alI parties to this trust are to be znindfitl that my wish is that
Betty Thumma lives as independer�tly, productively, and happily as
passible.
(c) Trust Assets not to be Considered Available Resource
to Betty Thumma
The purpose of tkus trust is to supplement any benefits received or for
which the beneficiaxy may be eligible through vazious governmental
assistanee pzogrann.s, and not to supplant those benefits. All actions of my
Trustee must be directed toward cazxying out this puzpose and the
discretion granted my Trustee under this trust to carry out this purpose is
absolute.
For purposes of determining Betty Thuznma's eligibility for any
governmental assistance program bene�ts, no part of the principal or
undistributed income of the trust estate is to be considered available to her
for public benefit purposes. Betty Thu.m.ma does not have access to
principai or income of tY�e txust, and she has r�o ownership,right, authority,
or power to convert any asset into cash for hex own use.
My Trustee shall hold, administex, and distribute all property allocated to
thzs trust for the exclusive benefit of Betty Thumma during her lifetime.
All distributions from this trust share are in the sole and absolute
discretion of my Trustee, and Betty Thumma is legally restricted from
derrzanding trust assets for her support and maintenance.
Zn t.�.e event nny Trustee is requested to release principal or income of the
trust to or on behalf of Betty Thumma to pay for equipment, znedication,
or services that any governrnent agency is authoxized to provide, or in the
event my Trustee is requested to petitio.n a court oz any other
administxative agency for the release of trust principal or income for this
purpose, my Trustee is authorized to deny the request and take whatever
administrative or judicial steps may be necessary to continue Betty
Thumzna's eligibility £oz benefits. This may include obtaining legal
advice about Betty Thumma's specific entitlement to public benefits and
obtaining instructions from a court of competent jurisdiction ruling that
neither the trust corpus nor the trust inconne is available to Betty Thumma
for eligibility purposes. Any expenses of my Trustee in this regard,
including reasonable attorneys' fees, are a propex charge to the trust estate.
(d) Distribution Guidelines
My Trustee is responsible for determining what discretionary distributions
are to be made frozn this trust. My Trustee may distribute discretionary
amounts of incoxne and principal to or for the benefit of Betty Thumma for
those special needs not otherwise provided by governmental financial
Page 7
assistance and benefits or by a service provider. My Trustee shall add any
undistrzbuted inconne to principal. In making distxibutions, my Trustee:
sha11 consider any other known incozne or resouxces of the
beneficiary that are reasonably available;
shall consider all entitlement bene�ts from any government
agezacy, such as Social Security disability payrnents,
Medicare, Medicaid (or any state Medicaid program
equivalent), Supplemental Security Income (SSI), In-Home
Support Service (IHSS), and any other special-purpose
benefits for which Betty Thumma is eligible;
shall consider zesource and incorne lzmitations of any
assistance progxam;
shall make expenditures so that Betty Thumma's standard
of living will be comfortable and enjoyable;
is not obligated or compelled to znake specific payments;
may not pay or xeimburse any amounts to any
govez�mental agency or department, unless proper deznand
is made by this governrnental agency and reimbursement is
required by the state; and
will not be liable for any loss of benefits.
(e) No Seeking of Order to Distribute
For purposes o#' detenmining Betty Tkzumma's state Medicaid program
equivalent eligibility, no part of the principal or undistributed income of
the trust estate may be considered available to Betty Thumma. My
Trustee shall deny any request by Betty Thumma to: �
xelease principal or income of the trust to or on behalf of
her to pay for equipment, medication, ox services that the
state Medicaid prograrn equzvalent would provide if the
trust did not exist; or
petition a court or any other adnninistrative agency for the
zelease of trust principal or income for this purpose.
My Trustee may, in its sole, absolute and unreviewable discrction, take
necessary administrative or legal steps to protect Betty Thumma's
eligibility for a sta.te equivalent of the Medicaid program. This nrzay
include obtaining a ruling from a court of competent jurisdiction that the
trust principal is not available to Betty Thumma for purposes of
determining eligibility :for a state equivalent of the Medicaid program.
Expenses for this purpose, including reasonable attoz�neys' fees, are a
pzoper charge to the trust estate.
Page 8
(fl Indemnification of Trustee When Acting in Good Faith
My Trustee will be indemnified from the trust property for any Ioss or
reduction of public benefits sustained by Betty Thunnma as a result of my
Trustee exerciszng, in good faith, the authozity granted to my Trustee
under this Section.
(g) Termination and Distribution of the Special Needs Trust
Tf my Trustee, in its sole, absolute, and unxeviewab�e discretion,
detern�.ines that Betty Thumma is no longer dependent on others and is
able to independently support herself, my Trustee shall adrninister the
remaining property in accordance with the provisions that�'ollow.
The independently support requirement is satisfied when Betty Thumma
has bee� gainfully ezn.ployed for 33 znonths of a 36 month period.
The terms gainful employment and gainfully employed mean full-time
employment that produces su�cient net income to enable Betty Thumma
to contxibute not less than 100% of the funds (exclusive of other sources
of revenue) that are necessary to provide for the independent care, support,
maintenance, and education of Betty Thumma. My Trustee, in its sole and
absolute discretion, determines whether or not Betty Thumma has satisfied
the condition of gainful ennployment.
(1) Distributions of Income and Principal
My Trustee shall distribute as much of the income and
principal of her trust to Betty Thtunrn�a as my Trustee
determines necessary or advisable for her health, education,
maintenance and support.
My Trustee shall add any undistributed net income to
principal.
(2) Guidelines for Discretionary Distributions
In making discretionary distributions to Betty Thumma, I
desire to provide for her well-being and happiness.
Although I request that my Trustee consider the other
l:cz�own resources available to Betty Thumrna before making
distributions, I also request that my Trustee be liberal in
znaking distributions to or for her bene�t. I ack.nowledge
that the principal o�thc tzust established for Betty Thunnma
may be exhausted in making these distributions.
(h) Distribution upon the Death of Betty Thumma
If Betty Thumma dies after the establishxnent of her. trust but before the
complete distzibution of her trust, my Trustee shall distribute the
remaining trust property, in eaual shares, to Milford Thumzrxa, John
Thumma and Tom Thumma. If a named individual is deceased, that
individual's share will pass to that bene�ciary's descendants,per stirpes.
Page 9
If that beneficiary has no descendants, that beneficiary's share will be
divided pro rata among th.e remaining beneficiaries. If no other named
beneficiaries exist, my Trustee shall distribute the balance of the trust
property as provided zn Article Seven.
(i) Distribution if Betty Thumma Is Deceased
If Betty Thumma dies before the establishment o� her trust, my Trustee
shall distribute Betty Thumma's share, in equal shares, to Milford
Thumma, John Thumma and Tom Thumma. If a named individual is
deceased, that individual's share will pass to that bene�ciary's
descendants, per stirpes. If that beneficiary has no descendants, that
beneficiary's sk�are wili be d'zvided pro rata among the remaining
beneficiaries. If no other nanned beneficiaries exist, my Trustee shall
distribute Betty Thumma's share as provided in Article Seven.
Article Seven
Remote Contingent Distribution
If, at any time after my death, there is no person or entity then qualified to receive final
distxibution of my probate or trust estate or any part of it under the foregoing provisiox�s
of my Will, then the portion of my probate or trust estate with respect to which the failure
of qualified recipients has occurred shall be distributed as follows:
Beneficiary Share
Church of God Home 20%
Doubling Gap Center 15%
First Church of God 5%
James Harney 6%
Richard Harney 6%
Johzi Harney 6%
Greggory Proudfoot 6%
Pamela F. VanKirk 6% �
Patricia F. Taylar 6%
Milford Thumma (%
Tom Thumma 6%
Betty Thumma (%
John Thumma 6%
If an organization described above is no longer in existence, the share of that organization
shall be delivered to that organization's successor in interest. If such organization has no
Page 10
successor in interest, or its successor in intexest cannot be identified witth reasanable
certainty, the share of the organization sha11 be paid in equal shares to the reznaining
organization or organizations,
If a person named as a beneficiary under this Article is not living at the date of
distribution, that person's share shall pass to his or her descendants,per stirpes. But if a
beneficiary does not have any descendants or cannot take a s�.are for any other reason,
thcn that beneficiary's sk�are shall pass to the other beneficiaries pro rata. I�there are no
beneficiaries undez this Article, then the property shall be distributed to those persons
who would inherit it had I then died zntestate owziing the property, as determined and in
the proportions provided by the laws of Pexu�.sylvania then in effect.
Arfiicle Eight
Designation of Fiduciaries
Section 8.01 Executor
I name Pamela F. VanKirk and Patricia F. Taylox as my Executor.
Section 8.02 Trustee
I appoint the following as Trustee of the trusts created undex my Will:
(a) Trustee of the Betty Thumma Special Needs Trust
Upon creation of the Betty Thumma Special Needs Tnzst, John B.
Thumma will serve as Trustee.
Article Nine
Trust ;Administration Provisions
The provisions of this Article pertain to any trust created under my Will.
Section 9.01 No Court Proceedings
Any trust created under my Will is to be administered exped'ztiously, consistent witk� the
provisiozzs of my Will, free of judicial intervention, and without order, approval or action
of any court. A trust will be subject to the jurisdiction of a court only if my Trustee or
another interested party institutes a legal proceeding. A pxoceeding to seek instructions
or a court determination must be initiated in the court having original jurisdiction over
matters relating to the construction and administration of trusts. Seeking instructioris or a
court determination will not subject a trust to the continuing jurisdiction of the court.
Page 11
Section 9.02 Resignation of a Trustee
A Trustee may reszgn by giving written notice to the Income Beneficiaxies of the trust
an.d ta any other Trustee then serving.
�.Jpon the resignation of John B. Thumma as Trustee, the resigning Trustee may,
concuzxent with the written natice described above, appoint the xesigning Trustee's
successoz as Trustee in the manner set forth in. Section 9.05. If the resigning Trustee fails
to make the appointment, the otYzer provisions of th.is Article regarding Trustee
succession shall govern, and tk�e next z�amed successor or successozs to the resigning
Trustee will serve in the ordez listed. Likewise, if no narned successors to the resigning
Trustees are available to sexve and the resigning Trustee fails to designate a successor,
the other provisions of this Article regarding the �lling of a vacant Trustee office shall
govern.
Section 9.03 Removal of a Trustee
No Trustee can be removed by any beneficiary, except for cause, which removal rnust be
approved by a court of com.petent jurisdiction.upon the petition of any beneficiary.
In no event will the court petitioned to appxove the removal of a Trustee acquire any
jurisdiction over the trust except to the extent necessaxy to approve or disapprove
removal of a Tzustee.
If a beneficiary is a minor or is zncapacitated, the parent or legal representative of the
be�eficiary may act on behalf of the beneficiary.
Section 9.04 Default of Designation
I:F the office of Trustee of a txust created under rn.y Will is vacant and no designated
successor Trustee is able and willing to act as Trustee, a majority of the Income
Beneficiaries of the tzust may appoint az� individual or corporate fiduciary as successor
Trustee.
Any beneficiary nnay petition a couxt of coznpetent jurisdiction to appoint a successor
Trustee to fill any vacancy remaining unfilled after a period of 30 days. By making such
appointment, the court wi�ll not thereby acquire any jurisdiction over the tntst, except to
the extent necessary for making the appointment.
If a beneficiary is a minoz or is incapacitated, the parent or legal representative of the
beneficiary may act on behalf of the beneficiary.
In the event of a Trustee vacancy due to resignation, however, and where the Trustee is
one of the Trustees identified in Section 9.02, the :Foregoing provisions apply only if'the
resi�;ning Trustee fails to appoint a successox Trustee in the manner more fully set forth
in Section 9.02.
Section 9.05 Notice of Removal and Appointment
Notice of removal must be in writing and de�ivered to the Trustee being removed and to
any other Trustees then serving. The notice of removal will be effective in accordance
with its provisions.
Page 12
Notice of appointment must be zn w�iting and delivered to the successor Trustee a�d any
other Trustees then serving. The appointment will become effectzve at the time of
acceptance by the successor Trustee.
Section 9.06 Appointment of a Cotrustee
Any individual Trustee may appoint an individual or a corporate fiduciary as a Cotrustee.
� Cotrustee so named will sezve on.ly as long as the Trustee who appointed the Cotrustee
(or, if the Cotrustee was named by znore tha.n one Trustee acting together, by the last to
serve o£those Tzustees) serves, and that Cotrustee will not become a successor Trustee
upon the death, resignation, or incapacity of the Trustee who appointed the Cotrustee,
unless so appointed under th.e terms of my Will. The Trustee appointing a Cotrustee'may
revoke the appointment at any tim.e with or without cause.
SeGtion 9.07 Corporate Fiduciaries
Any corporate fiduciary serving as a fiduciary under my Will must be a bank, trust
company, or public charity that is quali�ed to act as a fiduciary under applicable federal
and state law and that is not related or subordinate to any beneficiary within the meaning
o�Section 672(c) of the Iz�ternal Revenue Code,
Section 9.08 Incapacity of a Trustee
If any individual Trustee becomes incapacitated, it will not be necessazy for the
incapacitated Trustee to resign as Trustee. A written declaration of incapacity by the
Cotrustee, if any, or, if none, by the party designated to su.cceed the incapacitated
Trustee, if made in good faith, will terminate the trusteeship.
Section 9.09 Appointment of lndependent Special Trustee
If for any reason the Trustee of any trust created under nny Will is unwilling or unable to
act with respect to any trust property or any pzovision of my Will, the Trustee shall
appoint, in writing, a coxporate fiduciary or an individual to serve as arx Independent
Special Trustee as to such property ar with respect to such provision. The Independent
Special Trustee appointed may not be related or subordinate to any beneficiary of the
trust within the meaning o#' Section 672(c) af the Interna] Revenue Code. The Trustee
may revoke the appointment at will.
An Independent Special Trustee may exercise all fzduciary powers granted by my Will
unless expressly limited elsewhere in my Will or by the Trustee in the instrument
appointing the Independent Special Trustee. An Independent S�ecial Trustee may resign
at any time by delivering written notice of resignation to the Trustee. Notice of
resignation will be effective in accordance with the tenms of the notice.
Section 9.10 Majority Action of Trustees
If two Trustees are eligible to act with respect to a given matter, the concuxrence of both
are required for action to be taken; if more than two Trustees are eligible to act with
respect to a given matter, the concurrence of a majority of my Trustees az�e required for
action to be taken.
Page 13
A nonconcurrzng Trustee may dissent or abstain frorxi a deciszon of the majority. A
Trustee is abso�ved from personal liability by xegistering its dissent or abstention in the
records of the trust, After doing so, the dissenting Trustee must then act with my other
Trustees in; any way necessary or appro�xiate to effectuate the decision of tkze majozity.
Notwithstanding any provision of my Will to the contrary, a Trustee may disclaim or
release, in whole or in part, by an instrument in writing, any power it holds as Trustee,
inevocably or for any period of time that the Trustee znay specz�y. The Tzustee may
make the relinquishment of a �ower personal to the Trustee ox may relinquish the power
for all subsec�uent Tzustees.
Section 9.11 Disclaimer by Beneficiary Serving as Trustee
Notwithstandzng any provision of my Will to the contrary, any bene�ciary serving as a
Trustee may disclaim or release, in whole or in part, by an instrument ir� writing, any
power such bene�ciary holds as Trustee, irrevocably or for such period of tinne as such
Trustee may speci�y, without affecting the continuance of the power in any other Tru.stee.
Section 9.12 Exoneration of My Trustee
My Trustee is not obligated to examine the accounts, records or actions of any previous
fiduciary. My Trustee is in no way or nnanner to be held responsible for any act or
omisszon to act oiz the part of any previous fiduciary.
Unless my Trustee has received notice of removal, my Trustee may not be held Iiable to
any beneficiary for the consequences o�any action taken by zny Trustee that would have
been, but for the prior removal of nny Trustee, a proper exercise by.my Trustee of the
authority granted to my Trustee under my Will.
My Trustee may xequest and obtain from the beneficiaries or from their legal
representatives, agreements in writing releasing my Trustee from any liability that may
have arisen from my Trustee's acts or oznissions to act an.d indemnifying my Trustee
from liability for the acts or omissions. An agreement described in thxs paragraph, if
acquired from. aIl the living bene�ciaries of my Will ox £rom their legal representatives,
will be conclusive and bznding upon all parties, bvrn or unborn, who may have, or may in
the future acquire, an interest in my Will.
My Trustee may requixe a refunding agreennent before making any distribution or
allocation of the income or principal of a trust created under my Will and may withhold
distribution or allocation pending determination ox release of a tax lien oz other lien. This
refunding agxeement provision will not apply to any distribution that qualifies for the
federal estate tax charitable deduction.
Section 9.13 Benefits Payable to My Trustee
My Trustee may exercise any xight to detezmine the maruier and timing of payment (by
lump suzn or otherwise) of any benefits or assets �ayable by reason of my death to my
Trustee or to any trust created under my Will. This includes, but is not limited to, such
benefits under life insurance policies, einployee benefit plans, retirement plans or other
cantracts, plans or arrangements providing for payment or transfer at death to such trust.
Page 14
My Txustee may not be held liable to ar�y beneficiary for the death benefit election
selected.
My Trustee is not obligated to un.dertake litigation for collection of ar�y benefits or assets
payable to such trust unless it is indemnified to its satisfaction against any liability and
expense of such litigation.
Persons or entities dealing in good faith with z�ny Trustee are not required to see to the
proper application. of proceeds delivered to nny Trustee, or to inquixe into any provision
of my Wzll. Payment to my Trustee and the receipt of or release by my Trustee will fully
discharge the person or entity znaking such payment.
Notwithstanding anything in my Will to the contrary, no benefits ox assets payable by
reason of my death to my Trustee or to any trust created under my Will are subject to the
c�aizns against my estate, nor axe such benefits to be subject to the control of my Executor
nor be included in the property administered as a part of my probate estate.
Sec#ion 9.14 Certificate by Trustee
A written statement of the Trustee of any trust established undex my Wi�l at any tim,e as
to any facts relative to the trust znay always be relied upon and will always be conclusive
evidence in favor of any transfer agent and any other person dealing in good faith with
the Trustee in zeliance upon such statement.
Section 9.15 Funeral and Other Expenses of Beneficiary
Upon the death of an Income Beneficia.ry of a trust created urzder my Will, nny Trustee
may pay the funeral expenses, burial ox cremation expenses, enforceable debts and other
expenses incuzxed due to the death of the benef ciary fzom trust property. This Section
only applies to the extent the Income Beneficiaxy has not exercised any testamentary
power of appointment granted to hinn under my Will.
My Trustee may rely upon any request by the personal repxesentative or znembers of the
faznily of the deceased beneficiary for payment without verifying the validity or the
amounts and without being reqnired to see to the application of thc amounts so paid. My
Trustee may xnake decisions under this Section without xegard to any limitation on
payment of expenses imposed by statute or rule of court and nnay be made without
obtaining the approval of any court having jurisdiction over the administration o� the
deceased beneficiary's estate.
Section 9.16 Trust Accounting
Except to the extent required by law, my Trustee is not required to file accountings in any
jurisdiction. Upon the written request af an Incom:e Beneficiary of a trust created undex
my Will, my Tzustee znust render an accounting to the Income Beneficiaries of that trust
durin� the accounting period that includes the date af the written request.
The accounting must include the zeceipts, expenditures, and distributions from the trust
for which the accounting is prepared occurrin� during the accounting period. If a tax
return is prepared for a tzust during a pexiod for whick� a trust accounting is made, the
Trustee's accounting must include a copy of that tax return. If there is no tax return
Page 15
prepared foz the accounting period,the Tz-ustee's accounting must include a balance sheet
itemizing the trust property and m.y Trustee's reasonable estiznation of the value of the
assets held in the trust as of the date the accounting is connpleted.
In the absence of fraud or manifest enrox, the assent by all Income Beneficiaries to a
Trustee's accounting will make the matters disclosed in the accounting binding and
conclusive upon all persoz�s, including those living on the date of my WiII and those to be
born in the futuxe who have, or will in the future l�ave, a vested or contingent interest in
the trust property. In the case of an Income Beneficiaxy who is a minor or who is
incapacitated, that beneficiary's natural guardian or legal representative may give the
assent required under this Section.
�1, beneficiary may object to an accounting rendered by my Tzustee only if the bene�ciary
gives written notice to my Trustee within 60 days after nny Trustee renders the
accounting. Any beneficiary who does not subznit a written objection to the accounting is
deemed to assent to the accounting.
My Trustee shall make the trust's financial records and documentation available to
beneficiaries at reasonable times and upon reasonable notice for inspection by the
beneficiaries. My Trustee is not requixed to furnish any in.foz�rnation regardxng my trust to
anyone other than a beneficiary. My Tru.stee may exclude any information that my
, Trustee determines is not directly applicable to the beneficiary recezving the inform.ation.
Section 9.17 Authority to Merge or Sever Trusts
My Trustee may xnerge and consolidate a trust created under m.y Will with any other
trust, if the two trusts contain substantially the same terzns for the same beneficiaries and
at least one Trustee in common.
My Trustee may administer the m.erged and consolidated trust as a single trust or unit. If,
however, a nnerger or consolidation does not appear feasible, my Trustee may consolidate
the assets of the trusts for purposes of znvestment and trust administration while retazning
separate records and accounts £or each respectzve trust.
My Trustee may sever any trust on a fractional basis into two or more separate and
identical trusts or may segregate a specific amount or asset from the trust property by
allocation to a separate account or trust. The separate trusts may be fiznded on a non pro
rata basis provided that fu.nding is based on the total fair rnarket value of the assets on the
date of fi.�nding. Income earned on a segregated amount or specific asset after the
segregation passes with the amount or asset segregated. My Trustee shall hold and
administer each separate trust upan texms and conditions substantially identical to those
of the trust from which it was severed.
Subject to the terms of the trust, my Trustee may consider differences in federal tax
attributes and other pertinent factors in administering the trust property of any separate
account or trust, in making applicable tax elections, and in making distributions. A
separate trust created by severance must be treated as a separate trust #'or all purposes
from the date on which the severance is effective; hawever, the effective date of
severance may be retroactive to a date before the date on whick�.my Trustee exercises the
power.
Page 16
Section 9.18 Authority to Terminate Trusts
If, at any tinne, my Independent Trustee, zn its sole and absolute discretion, determines
that a trust created under my Will is no longer economzcal or is otherwise inadvisable to
administer as a trust, or if my Xndependent Trustee deenns it to be in the best interest of
my beneficzarzes, my Independent Trustee, without furthex responsibility, may terminate
the trust and distribute the trust property, xncluding any undistributed net income, in the
following order of priority:
To the beneficiaries then entitled to mandatory distributions of net income
of the trust and in the same proportions; and
If none of the beneficiaries are entitled to mandatory distributions of net
income, to the beneficiaries then eligible to receive discretionary
distributions of net incozne of the tzust, in such arnounts and shares as my
Independent Trustee may determine.
Section 9.19 Changing the Governing Law and Situs of Administration
My Trustee znay, at any tixne, change the governing law of any trust created under my
Will, reznove all or any part of the property oz the situs of adm.inistration of the trust from
one jurisdiction to another, or both. My Trustee may elect, by filing an instrument with
the trust records, that the trust wi�l thereafter be construed, regulated and governed as to
adtninistration by the laws of the new jurisdiction. My Trustee may take action under
this Section for any purpose my Trustee deems appropriate, including the minimization
of any taxes in respect of the trust or any beneficiary of such trust, and may do so with or
without providing notice to any beneficiary.
If necessary, or if deemed advisable by zny Trustee, my Trustee shall appoint an
Independent Trustee to sezve as trustee in the new situs.
If necessary, and if my Trustee does not appoint an Independent Trustee within 30 days
of zny Trustee's action to change the governing law or situs of the tzust, the beneficiaries
entitled to receive distxibution.s of net income under the trust may, by majority consent,
appoint a corporate fiduciary in the new situs. If a beneficiary is a minor or is
incapacitated, the parent or legal zepresentative of the beneficiary may act on behalf of
the beneficiary.
Article Ten
General Administrative Provisions
The provisions of this Article apply to my probate estate and to any trust created under
my WiII.
Section 10.01 No Bond
No Piduciary is required to furlush any bond for the faithful performance of the
Fiduciary's duties, unless required by a court of competent jurisdiction and only if the
Page 17
court finds that a bond is needed to protect the interests of the beneficzaries. No surety is
required on any bond requized by any law or rule of court, unless the court specifies that a
surety is necessary.
Section 10.02 Fiduciary Compensation
An individual serving as my Fiduciary is entztled to faiz and reasonable compe�sation £or
the sezvices rendered as a £'iduciary. A cozporate Fiduciazy is to be compensated by
agreement with an individual Piduciazy or, in the absence of an individual Fiduciary or in
the absence of an agreement, in accordance with the corporate Fiduciary's published
schedule of fees in effect at the time the sezvzces are rendered.
My Fiduciary may charge additional fees for services it provides that are not comprised
within its duties as my Fiduciary such as fees for legal services, tax return preparation
and corporate finance or investment banking services.
In addition to receiving compensation, my Fiduciazy may be reimbursed for reasonable
costs and expenses incurred in carrying out its duties under my Will.
Section 10.03 Employment of Professionals
My Fiduciary may appoint, employ and reznove, at any time and from time to time,
znvestment advisors, accountants, auditors, depositories, custodians, brokers, consultants,
attorneys, expert advisers, agez�ts, and employees to advise or assist the Fiduciary in the
pezfornnance of its duties. My Fiduciary may act upan the recommendations of the
persons or entities employed with or without independent investigation.
My Fiduciary may reasonably compensate an individual or entity employed to assist or
advise zny Fiduciary regardless of whether the person or entity is a fiduciary under my
Will or a corporate affiliate of a fiduciary and regardless of whether the entity is one in
which a fiduciary is a partner, member, stockholder, o£�'icer, director or eorporate af�liate
or has any other interest.
My Fiduciary may pay the usual compensation for services contracted for under this
Section out of principal or income of the trust as my Fiduciaxy may deem advisable. My
Fiduciary znay pay compen.sation� to ar� izZdividual or entity employed to assist or advise
my Fiduciary without diminution of or charging the same against the compensation to
which the fiduciary is entitled under m.y Will. Any fiduciary who is a partner,
stockholder, officer, director or corporate affilzate in any cntity employed to assist or
advise my Fiduciary may nonetheless receive the �duciary's shaze of the compensation
pazd to the entity.
Section 10.04 Exercise of Testamentary Power of Appointment
A testamentary power of appointment granted under my Will may be e�ezcised by a valid
will or revocable living trust that specifically refers to the power of appointment. The
holder of a testamentary power of appointment may exercise the power to appoint
property among the permissible appointees in equal or unequal proportions, and on such
terms and conditions, whether outright or in tz-ust, as the holder of the power designates.
The holder of a testamentaxy power of appointment may grant further powers of
Page 18
appointment to any person to whorzi principal znay be appointed, including a presently
exercisab�e limited or general power of appointment.
My Tzustee may conclusively �xesume th.at any power of appoix�tznent gxanted to any
beneficiary of a trust created under my Will has not been exercised by the beneficiary if
my Trustee has no kziowledge of the existence of a valid will oz revocable living trust
exercising the power within 3 months after the beneficiary's death.
Section 10.05 Determination of Principal and incame
The Pennsylvania Uniform Principal and Incozne �1ct will govern beneficiaries' rights
among thernselves in matters concerning principal and income. If the Penz�.sylvania
Uniform Principal and Income Act contains no provision concerz�ing a particuIar item�,
xny Fiduciary shall determine in a fair, equitable and pxacticai manz�.er what will be
credited, charged, and apportioned between p�incipal and income.
Section 10.06 Spendthrift Provision
This wi11, and all Trusts created hereunder, are zntended to qualify as Spendthrift Trusts.
In addition, all interests in this will, or in any Tzust hereunder, are intended for the
personal protection and welfa.re of Grantor's nar�ed beneficiaries, and no beneficiary
shall be allowed to voluntarily ox involuntarily assign or anticipate his or her interest in
the income or principal of this will or any Tz�ust hereur�der, and no beneficiary's creditors,
nor a spouse or former spouse of any beneficiary, shall be allowed to attach or otherwise
reach any such interest before actual payment to tl-�e beneficiary.
Zf any beneficiary shall become the subject of a judgment or court order, then during the
period in which such judgment or court order zemains in effect, such beneficiary shall
only be permitted to receive distributions from any Trust created for the benefit of such
beneficiary at the discretion of the Trustees, This limitation as to the right of a
beneficiary to zeceive a distribution shall apply notwithstanding any provisions within the
trust for such beneficiary which authorize distributions �or the health, education, support
or maintenance of such beneficiary. In addition, if any heneficiary shall become the
subject of a judgment or court order, and such beneficiazy is only entitled to discretionary
distxi.butions from a Trust created �or their benert, it shall not be an abuse of discretion
by the Trustees to withhold distributions to such beneficiary while such judgnnent or
court ordez xs in effect.
If the Trustees determine that a beneficiary would not benefit as greatly from any outright
distribution of Trust income or principal because of the availability of the distribution to
the beneficiary's creditors, the Trustees shall instead expend thase amounts for the
benefzt of the beneficiary. This direction is intended to enable the Trustees to give the
beneficiary the maximum possible henefit and enjoyznent of all of the Trust income and
principal to which the beneficiary is entitled.
Nothing contained in this Section shall restrict in any way the exercise oP any power of
appointment granted in this agreement.
Pagc 19
Section 10.07 Distributions to incapacitafied Persons and Persons Under
Twenty-Five Years of Age
If my Fiduciary is directed to distribute any share o£zny probate estate or tzust principal
to a beneficiary who is under the age of 25 years or is zn the opinion of my Fiduciary,
under any form of incapacity that xenders the bex�eficiary unable to adzninister
distributions properly when the distribution is to be made, and if no other trust is then to
be held under my Will for the beneficiary's �rimary benefit, my Fiduciary may, as
Trustee, in my Fiduciazy's disczetion, continue to hold the benefzciary's share as a
separate trust until the beneficiar� reacY�es the age of 25 or avercomes the incapacity.
When the beneficiary reaches the age of 25 ox ovezcomes the incapacity, my Fiduciary
shall distribute tl�ze beneficiazy's trust to him or her, outright free of trust.
While any trust is being held under this Section, nny Trustee shall pay to the beneficiaxy
for whom the trust is held such amoun.ts of tk�e net income and principal as the fiduciaxy
deternnines to be necessary or advisable for the beneficiary's health, education,
maintenance and support.
Upon the death of the beneficiary, my Trustee shall distribute any remaining property in
the trust, including any accrued and undistributed income, to the beneficiary's then living
descendants,per stirpes, or, if none, to zny then living descendants,per stirpes. I#'I have
no then living descendants the property is to be distributed under the provisions of A.z�ticle
Seven entitled"Remote Conti.ngent Distributzon."
Notwzthstanding any other provision of my Will if any part of trust property becomes
distributable outright, or zf a distzibution is zequired to be made, to a person when that
person is receiving or applying for needs-based government benefits, my Trustee shall
distribute or zetain the trust property as described in Section 10.08.
Section 10.08 Special Needs Trust
If under any provision of this trust my Trustee is directed to distribute to or for the benefit
of any beneficiary wlaen that person is recezving or applying for needs-based government
benefits, my Trustee shall retain and administer the trust property as follows:
(a) Distributions for Special Needs
In its sole, absolute, and unreviewable discretion, my Trustee may
distribute discretionary arnounts of net income and pri.n.cipal for special
needs of the beneficiary not otherwise provided by governmental financial
assistance an.d benefits, ox by the providers of services.
Special needs refers to the basic requizezrxents for maintaining the good
health, safety, and welfare when, in the discretion of my Trustee, these
basic requirements axe not being provided by any public agency, office, or
department of any state or of the United States.
Special needs will also include zn.edical and dental expenses; annual
independent checkups; clothing and equipment; programs of training,
education, treatinent, and rehabilital:iou; private residential care;
transportation, including vehicle purchases; rnaintenance; insurance; and
Page 20
essential dietary needs. Special needs may include spending money;
additional food; clothing; electronic equipment such as zadio, recording
and playbaek, television and computer equipment; camping; vacations;
athletic contests; znovies; trips; and money to purchase appropriate gifts
for zelatives and friez�ds.
My Trustee will have no obligation to expend trust assets for these needs.
But if my Trustee, in its sole, absolute and unreviewable discretion,
decides to expend txust assets, uzzder no circumstances should any amounts
be paid to or zeimbursed to the federal government, any state, or any
governmental agency for any purpose, including for the care, support, and
maintenance of the bene�ciary.
(b) Objective to Promote independence of the Beneficiary
While actions are in my Trustee's sole, absalute, and unreviewable
discretion, all parties to this trust should be mindful that my wish is that
the beneficiary live as independently, productively, and happily as
possible.
(c) Trust Assets Not to be Considered Available Resource
to the Beneficiary
The purpose of the provisions of this Section 10.08 is to supplement any
benefits received, or for which the beneficiary may be eligible, from
various governmental assistance prograzx�s, and not to supplant any
benefits of this kind. Ail actions of zny Tnzstee shall be dixected toward
carrying out this intent, and m.y Trustee's discretion granted under this
instn�ment to carry out this intent is sole, absolute, and unreviewable.
For puxposes of determining the beneficiary's eligibility for any of these
benefits, no part of the trust estate's principal or undistributed income will
be considered available to the ber�efzciary for public benefit puzposes. The
beneficiary must not be considered to have access to the trust's principal
or income, or to have ownership, right, authority, ox power to convert any
asset into cash for his or her awn.use.
My Trustee s�,all hold, administer, and distribute all property allocated to
this trust for the excluszve benefit of tk�e beneficiary during his or her
lifetime. All distributions £rom this trust share are in the sole, absolute,
and unreviewable discretion o.f my Trustee, and the beneficiary is legally
xestricted from demanding trust assets for his or her support and
maintenance.
In the event my Trustee is requested to release principal ox incame of the
trust to or on behalf of the beneficiary to pay for equipment, medication,
or services that any government agency is authorized to provide, or to
petition a court or any other administrative agency for the release of trust
principal or incozne for this purpose, my Trustee is authorized to deny this
request and to take whatever administrative or judicial steps aze necessary
to continue the beneficiary's eligibility for benefits. This includes
Page 21
obtaining legal advice about the beneficiary's s�ecific entitlernent to
public benefits and obtaining instru.ctions from a court of competent
jurisdiction ruling that neither the trust corpus nor tk�e trust income is
available to the beneficiaz�y for eligibility purposes. Any expenses
incunred by my Trustee in this regard, including reasonable attorney fees,
will be a proper charge to the trust estate.
(d) Distribution Guidelines
My Trustee shail be responsxble for detezmining what dzscretionary
distributions will be made froxn. this trust. My Trustee may distribute
discretionary amounts of incozne and principal to or for the benefit of the
beneficiary for those special needs not otherwise pxovided by
govern.mental financial assistance and benefits, or by the providers of
services. Any undistributed income will be added to principal. In making
distributions, my Trustee must:
consider any other known income or resources of the
beneficiary that are reasonably available;
consider all entitlem.ent benefits from any government
agency, including Social Security disability payments,
Medicare, Medicaid (or any state Medicaid program
equivalent), Supplemental Security Income (SSI), In-Home
Support Service (IHSS), and any other special purpose
benefits for which the beneficiary is eligible;
consider resource and income limitations of any assistance
program;
make expenditures so that the beneficiary's standard of
� livin�wi�ll be comfartable and enjoyable;
not be obligated oz compelled to nnake specific paym.ents;
not pay or reimburse any amounts to any governrrzental
agency or department, unless proper demand is made by
thi.s governmental agency or xeimburserz�ent is required by
the state; and
not be liable for any loss af benefits.
(e) No Seeking of Order to Distribute
For purposes of determining the beneficiary's state Medicaid pzogram
equivalent eligibility, no part of the trust estate's principal or undistributed
income xnay be considered available to the beneficiary. My Trustee shall
deny any request by the bsneficiary to:
release trust principal or income to ox on behalf of the
beneficiaxy to pay for equipment, medicati.on, or services
tha� the state Medicaid program equivalent would provide
if the trust did not exist; or
Page 22
petition a court or any other administrative agency for the
release of trust principal ar income for this purpose.
In its sole, absolute, and unreviewable discretion, my Tru.stee znay take
necessary admirustrative or legal ste�s to protect the beneficiary's state
Medicaid program equivalent eligibility. This includes obtaining a ruling
froxn a court of competent jurisdiction that the trust principa.� is not
available to the beneficiary for purposes of determining state Medicaid
program equivalent eligibility. Expenses for this action, including
reasonable attorney fees, will be a proper charge to the trust estate.
(fl Indemnification of Trustee When Acting in Good Faith
My Trustee will be indemrzified from the trust property for any loss or
reduction of public benefits sustained by the beneficiary as a result of my
Trustee exercising the authorit�y granted to my Tru.stee under this Sectioz�
in good faith.
(g) Termination and Distribution of the Speciai Needs Trust
If my Trustee, in its sole, absolute, and unreviewable discretion,
determines that the beneficiary is no .longez dependent on others and is
able to independently support himself or herself, my Trustee shall
distribute or retain the remaining property according to the other
provisions a#'this trust as though the provisions o�this Sectian 10.08 had
not been effective.
Zf the other provisions of this trust do nat provide for the remaining
property's distribution or retention, then my Trustee shall distribute the
remaining property to the beneficiary outright and free of trust.
Independently support is satisfied wk�en the beneficiary has been gainfully
employed for 33 znonths of the 36-month period immediately preceding
the deczsian to terminate the trust share.
The terms gainful employment and gainfully employed mean the full-time
employment that produces suff'icient net income to enable the beneficiary
to contribute not less than 100% of the funds (exclusive of other revenue
sources) that are necessaxy to provide for the beneficiary's independent
care, support, maintenance, and education. In its sole, absolute, and
unreviewable d'zscretion, zny Trustee shali determine whether or not the
beneficiary has satisfied the condii:ion of gairxful em.ployment.
(h) Distribution upon the Death of the Beneficiary
Upon the beneficiary's death, my Trustee sha11 distribute or retain the
remaining property accordir�g to the other provisions of this trust as
though the provisions of this Section 10.08 had not been e£fective. If the
other provisions of this trust provide for the beneficiary's share to be held
in trust, then those provisions will be interpreted as though the beneficiary
died after the establishment of that trust.
Page 23
If the other provisions of this trust do not provide for the distrzbution or
retention of the reznaining property, then the beneficiary will have the
testamentary limited power to appoint all or any portion of the principal
and undistributed income rema�ning in the beneficiary's trust at his or her
death among one or more persons or entities. But the beneficiary may not
exercise this limited power o�appointment to appoint to himself or herself,
his oz her estate,his or her creditars or the creditors of his or her estate.
I intend to cxeate a limited power of appointment and not a general power
of appointment as defined in Internal Reven.ue Code Section 204�.
If any part o� the beneficiary's trust is not effectively appoir�ted, my
Trustee shall distribute the remaining unappointed balance per stirpes to
the beneficiary's descendants. If th.e beneficiary has no then-living
descendants, my Trustee shall distribute the unappointed balance per
stirpes to the then-living descendanfis of the beneficiary's nearest lineal
ancestor who was a descendant of mine ox, if there is no then-living
descendant,per stirpes to my descendants.
If I have no then-living descendants, my Trustee shall distribute the
balance of the trust�roperty as provided in.Article Seven.
Section 10.09 Representative of a Beneficiary
The guardian. of the person of a beneficiary may act for suckz beneficiary for all purposes
under my WiII or may receive znformation on behalf of such beneficiary.
Section 10.10 Distributions to Beneficiaries
Whenever zny Will authorizes or directs my Fiduciary to make a distribution of net
income ox principal to a beneficiary, my Fiduciary may apply for the benefit of the
beneficiary any property that otherwise could be distributed directly to the beneficiary.
My Fiduciary does not have a responsibility to inquire into the beneficiary's ultimate
disposition of the distributed property unless s�ecifically directed otherwise by my Will.
My Fiduciary may make distributions in cash ox in kind, or partly zn eack�, in proportions
and at values deterznined by my Fiduciary. My Fiduciary rnay allocate undivided
interests in specific assets to a beneficiary or trust in any proportion or manner that nny
Fiduciary determines, even tkiough the property allocated to one beneficiary may be
different from that al.located to another beneficiary.
My Fiduciary nnay malce these determinations without regard to the incame tax attributes
of the property and without the cor�sent of any beneficiary.
Section 10.19 Ancillary Administration
In the event ancillary administration is required or desired and my domiciliary Executoz
is unable or unwilling to act as an ancillary fiduciary, my domiciliary Executor will have �
the power to designate, corr�pensate, and remove the ancillary fiduciary. The ancillaxy
�duciary may be either a natural person or a carpQration. My domiciliary Executor may
delegate to such ancillary fiduciary such powers granted to my original Executor as my
Page 24
Executor nnay deem, proper, including the right io serve without bond or surety on bond.
The net proceeds of the an.cillary estate are to be paid over to the domiciliary Executor.
Section 10.12 Delegation of Authority; Power of Attorney
Any Fiduciary may, by an instrument zn writing, delegate to any other Fiduciary the right
to exercise any power, including a discretionary p�wer, granted the Fzduczary in my Will.
Aurin� the time a delegation under this Section is i� effect, the Fiduciary to whom the
delegation was made may exercise the pawer to the sarne extent as if the delegating
Fiduciary had personally jained in the exercise of the power. The delegating Fiduciary
may revoke the delegation at any time by giving written notice to the Fiduciaxy to whom
the power was delegated.
. The Fiduciary may execute and deliver a revocable or irrevocable power of attorney
appointing any individual or cozporation to transact any and a11 business on behalf of the
trust. The power o� attorney may grant to the attorney-in-fact all of the rights, powers,
and discretion that the Fiduciaxy could have exercised.
Section 1Q.13 Merger of Corporate Fiduciary
If any cozporate fiduciary acting as my Fiduciaxy under my Will is merged with or
transfers substantially all of its trust assets to another corporation or if a corporate
fiduciary changes its nam.e, the successoz shall automatzcally succeed to the position of
my Fiduciary as if originally named my Fiduciazy, No document of acceptance of the
position of my Fiduciary shall be required.
Article Eleven
Powers of My Fiduciaries
Section 11.01 Generai Grant of Powers
My Fiduciary may perform every act reasonably necessary to administer my estate and
any trust. My Fiducia.ry may execute and deliver any and all instruments in writing,
which my Fiduciary considers necessary to carry out any of the por�vers granted under my
Will.
Section 11.02 lnvestment Powers in General
My Fiduciary may invest in any type of investment that my Fzduciary determines is
consistent with the investment goals of my estate or any trust, whether inside or outside
the geographic borders of the United States of Aznerica and its possessions or territories,
taking into account the trust's overall investment portfolio.
Without limiting my Fiduciary's investment authority in any way, I request that my
Fiduciary exercise reasonable care and skill in selecting and retaining investments. I also
request that my Fiduciary take in.to account the £ollowing factors in chaosing investments
for my estate or any trust:
Page 25 .
The potential retuzn frorzl the investment, both in the forrn of income and
appreciation;
The potential income tax consequences of ihe investment;
The investznent's potential for volatility; and
The role the investment will play in my estate or the trust's portfolio.
I request that my Trustee, in arra�nging the in;vestment portfolio of any trust, also consider
the possible effects of inflatior� or deflation, changes in global and U.S. economic
conditions, transaction expenses, and the trust's need for liquidity.
My Fiduciaxy may de�egate its discretion to m.anage investments to any registered
investment adviser or corporate fiduczary.
Section 11,03 Banking Powers
My Fiduciary may establish bank accownts of any type in one or more banking
institutions that my Fiduciary may choose. My Fiduciaxy rzzay open accounts zn the nama
of my Fiduciary (with or without disclosing fiduciary capacity) or in the name of my
estate ox the tzust. When an account is in the nam.e of my estate or the trust, checics on
that account and authorized signatures n.eed not disclose the fiduciazy nature of the
account or refer to my estate, any trust or Fiduciary.
An account from which my Fiduciary makes frequent disbursements need not be an
interest bearing account. My Fiduciary znay authorize withdrawals frozn an account by
check, draft or other instrument or in any other m.anner.
Section 11,04 Contract Powers
My Fiduciary may sell at public or private sale, trans�ex, exchange for other property, and
otherwise dispose any property contained in my probate estate or any trust for
consideration and upon terms and conditzons that my Fiduciary deems advisable. My
Fiduciary may grant options of any duration for any such sales, exchanges, or transfers of
trust property.
My Fiduciary may enter into contracts, and may delivez deeds or other instruments, as my
Fiduciary deems appropriate.
Section 11.05 Common Investments
For purposes of convenience with regard to the administration and investment of any
trust, my Tntstee may invest part oz all o�tk�e property jointly with trust property of other
trusts for which my Trustee is alsa serving as a Tzustee. Fox this puxpose, a cozporate
fiduciary acting as my Trustee may use common funds for investment.
When trust property is managed and invested in this manner, my Tzustee shall maintain
records that su#�ficiently identify that portion of the jointly invested assets that constitute
the property of the trust.
Page 26
Section 11.06 Environmental Powers
My Fiduciary may inspect property held directly or indirectly by my probate estate or any
trust to determine compliance with or to respond to any envirorunental law affecting the
property. "Environmental law" means any federal, state, or local law, rule, regulation, or
ordinance relating to protection of the environment ox of human health.
My Fiduciary may refizse to accept addztional property if my Fiduciary determznes that
the property is or may be contaminated by any hazardous substance or is or was used for
any purpose involving hazazdous substances that could create liability to my estate, any
trust or to my Fiduciary.
My Fiduciary may use the incozne and pri�.cipal of my probate estate or a trust to (i)
conduct environmental assessmen.ts, aud'zts or site znonitoring; (ii) take remedial action to
contain, clear� up or remove any hazardous substance including a spill, discharge or
contaminatioz�; (iii) institute, contest or settle legal proceedings brought by a private
litigant or any local, state, or federai agency concerned with environmental compliance;
(iv) coxnply with any order issued by any court or by any local, state, or federal agency
directing an assessment, abatement or clean-up of any hazardous substance; and (v}
employ agents, consultants and]egal counsel to assist my Fiduciazy in these actions.
My Fiduciary may not be held liable for any loss or reduction in value sustained by my
probate estate or a trust as a result of rrxy �iduciary's xetention of property on which
hazardous materials or substances requiring remedial action are discovered unless my
Fiduciary contributed to the resulting loss or reduction in value thxough willful
misconduct or gross negligence.
My T'iduciary may not be held liable to any bene�ciary or to any other party for any
decrease in the vaiue of probate or trust property as a result of my Fiduciary's compliance
with any environ�mental law, including any xeporting requireznent.
My Fiduciary may release, relinquish ox dzsclaim any power held by my Fiduciary that
my Fiduciazy determines may cause my Fiduciary to incur individual liability under any
environmental law.
Section 11.07 Litigafiion and Settlement Powers
My Fiduciary, in its discretion and at tk�e expense of xny probate estate or the trust, may
institute,join, compromise, settle dismiss and defend any probate or trust property in any
judicial or administrative proceeding. This includes specifically, but not limited to
proceedings or class actions brought against any public entity or government agency or
brought by any such entity for attachment, recoupment, levy, invasion, reformation, or
access of any kind to property of my probate estate or a trust. My Fiduciary may retain
such legal counsel and ancillary personnel, as my Fiduczary deems appropriate in the
exercise of its discretion.
Section 11.08 Loans and Borrawing Powers
My Fiduciary may make secured or unsecured loans to any person (including a
beneficiary), entity, trust ox estate, for any tezm or payable on demand, witY� ox without
interest. My Fiduciary may entez into or modify the terms of any mortgage or security
Page 27
agreement gran�ted in connectzon with any loan and may release ox foreclose on the
mortgage or security.
My Fiduciary znay borrow money at interest rates and on other terms that it deerz�.s
advisable from any person, institution or other source including, in the case of a cozporate
fiduciary, its own banking or commercial lending department.
My Fiduciary may encumber estate and trust property by mortgages, pledges and other
hypothecation and sliall have the power to entez izzto any mortgage, whether as a
mortgagee or mortgagor even though the term rnay extend beyond the termination of the
trust and beyond the period that is required for an interest created undez my Will to vest
in order to be valid under the rule against perpetuities.
My Fiduciary may purchase, sell at public or private sa1e, trade, renew, modify, and
extend mortgages. My Fzduciary may accept deeds in lieu of foreclosure.
Section 1'1.09 Nominee Powers
My Fiduciary znay hold real estate, secu.rities and any other estate ox trust property in the
name of a nominee or in any other form without disclosing the exzstence of my estate, the
trust or fzduciary capacity.
Section 11.10 Payment of Taxes and Expenses
Except as otherwise provided in my Wi�l, my Fiduciary may pay all property taxes,
assessments, fees, charges, and other expenses incurred in the administration or
protection of my estate or any trust. All �ayments wi.Il be a charge against estate or the
trust, as the case m.ay be, and axe to be paid out of income and to the exter�t that income is
insufficient, then out of principal. The determinatian of zny Fiduciary with respect to the
payment of expenses will be conclusive upon the beneficiaries.
Section 11,11 Real Estate Powers
My Fiduciary may sell at pubIic or private sale, purchase, exchange, lease for any period,
mortgage, manage, alter, improve and in general deal in and with real property in such
manner and on such terms and conditions as my Fiduciary deezns appropriate.
My Fiduciary may gxant oz release easements in or over, subdivide, partition, develop,
ra.ze improvements, and abandon, any real property.
My Fiduciary may manage real estate in any manner that my Fiduciary deem�s best and
shall have all other real estate powers necessary for this purpose.
My Fzduciary may enter into contracts to sell xeal estate. My Fiduciary may enter into
leases and grant options to lease trust property even though the term of the agreement
extends beyond the termination of a trust and beyond the period that zs requzred for an
interest created under my Will to vest in order to be valid under the rule against
perpetuities. For such pwrposes, my Fiduczary may enter into any contxacts, covenants
and wanranty agreements that my k'iduciary deerr�s appropriate.
Page 28
Section 11.12 Retention and Abandonment of Trust Property
My Fiduciary znay retain, without liability foz depreciation oz loss resulting from
retention, any property contained in my estate or any trust at the time of its creation or as
the result of the exercise of a stock option. My Fiduciary znay reta.in property,
notwithstanding the fact that the property may not be of the character prescribed by law
for the investment of assets held by a fiduciaxy, and notwithstan.ding the fact that
retention may result in inadequate diversificatian undex any applicable Prudent Investor
Act or other applicable law,
My Fiduciary may hold property that is non-income producing or is atherwise
nonproductive if holding the property is, in the sole and absolute discretivn of my
Fiduciary, in the best interests of the beneficiaries. My Fiduciaxy may retain a reasonable
amount in cash or money m.arket accounts in order to pay anticzpated expenses and other
costs and to provide for anticipated dist7ibutions to or for the benefit of a beneficiary.
My Fiduciary may abandoz� any txust property th.at my Fiduciary deems to be of
insignificant va�ue.
Section 11.13 Securities, Brokerage and Margin Powers
My Fiduciary may buy, sell, trade and otherwise deal in stocks, bonds, investnnent
companies, mutual funds, common trust funds, commodities, options and other securities
of any kind and in any amount, including short sales. My Fiduciary may write and
purchase ca11 ox put options, and other derivative secuzities. My Fiduciary may maintain
margin accounts with brokerage firms and may pledge securities to secure loans and
advances made to my Fiduczaxy or to or for the benefit of a beneficiary.
My Fiduciary may place all or any part of the securities held by my estate or a trust in.the
custody of a bank or trust company. My Fiduciary may have all securi.ties registered in
the name of the bank or trust company or in the nanne of its nominee. My Fiduciary may
appoint the bank or trust company as the agent or attorney in fact to collect, receive,
receipt for and disburse az�.y income and generally to perform the duties and services
incident to a custodian of accounts.
My Fiduciary may employ a broker-dealer as a custodian foz securities held by my estate
or the trust and znay register the securzties in the narn:e of the broker-dealer oz in the name
of a nominee wiih or without the addition of words indicating that the securities are held
in a fiducia:ry capacity. My Fiduciary may hold securities in bearer or uncertificated form
and may use a central depository, clearing agency or book-entry system, such as Tl�e
Depository Trust Com.pany, Euroclear or the Federal Reserve Bank of New York.
My Fiduciary may�participate in any xeorganization, recapita�ization, merger or similar
transaction. My Fiduciary may exercise or sell conversion or subscription rights for
securitzes of all kinds and description.
My Fiduciary may give proxies or powers of attorney that may be discretionary and with
or without powers of substitution. My Fiduciary may vote or xefrain from voting as to
any matter.
Page 29
Section 11.14 Tangibie Personal Property and Residences
My Fiduciary may acquire, maintain and invest in articles of tangible personal property,
whether or not the property is income producing, and nnay pay the expenses of the re�air
and maintenance of the property.
My Fiduciary does not have a duty to convert the property re�'erred to in this Section to
productive property except as required by other provisions of my Will:
My Fiduciaz�y may not be held liable for any depreciation or loss as a xesult of the
retention of any property retained or acquired undez the authority vf this Section.
My Trustee may acquire, maintain and invest in any residence for the use and benefit of
the beneficiaries of the trust, whether or not the residence is income producing and
without zegard to the proportion that the value of the residence znay bear to the total value
of the trust property and even if retaining the residence involves financial �isks that
trustees would not ordinarily incur. My Trustee may pay or make arzangements for
others to pay ali carrying costs of the residence, including, but not linnited to, taxes,
assessments, insurance, expenses of maintaining the residence in suitable repair, and
other expenses relating to the operation of the residence for the benefit of the
beneficiaries.
My Trustee may permit any Incozne Beneficiary of the trust to occupy any real property
or use any personai property owned by the trust on terms or arrangeznents that my
Tnzstee may determine, including rent free or in consideration for the payment of taxes,
insurance, maintenance, repairs, or othex charges.
Section 11.15 Digital Assets
My Executor has the authority to access, modify, control, arcl�.ive,transfer, and delete my
digital assets.
Digital assets include zny sent and received emails, email accounts, digital m.usic, digital
photographs, digital videos, gaming accounts, softwaxe licenses, social-network accounts,
file-sharing accounts, financial accounts, domain registrations, Domain Name System
(DNS) service accounts, blogs, listservs, web-hosting accounts, tax-preparation service
accounts, online stores and auction sites, online accounts, and any similar digital asset
that currently exists or may be developed as technology advances .
My digital assets may be stored on the cloud or on my own digital devices. My Executor
znay access, use, and control my digital devices in arder to access, mod'zfy, control,
archive, transfer, and delete my digital assets--this power is essential for access to my
digital assets that are only aecessible through my digital devices. Digital devices include
desktops, laptops, tablets, peripheral.s, storage devices, mobile telephones, smartphones,
and any similar hardware that currently exists or may be developed as technology
advances.
Page 30
Section 11.16 Power af Executor to Disclaim .and to Distribute Directly to
a Beneficiary
If such disclaizner can be treated as a Qualified D'zsclaimer, I give my Executor the power
to disclaim any interest, in whole or in part, which my estate may acquire (including an
in.terest in aany other estate, trust, insurance proceeds, annuity, contract or pensioz� plan)
for any purpose (including overall xeductian in death taxes) and without regard to
whether such disclaimed pxoperty will pass to the same pexsons, at the same time or in
the sazne manner as if there had been no disclairner.
If at my death, the terms of a trust created under my Will provide that pzoperty zs to be
distributed outxight to a beneficiary, my Executor may make the distribution to the
beneficiary without the intervention of my Tz-ustee.
Section 11.17 Fiduciaries' Powers Act
In additioz� to all of the above powezs, my Fiduciaries may, without prior authority from
any court, exercise a11 powers conferred by zny Will or by common law or by
Pennsylvania Probate, Estates and Fzduciaries Act or other statute of the Commonwealth
of Pennsylvania or any other jurisdiction whose law applies to zny Will. My Executor
has absolute discretion in exercising these powers. Except as specifically limited by my
Will, these powers extez�d to all property held by my fiduciaries until the actual
distribution of the property.
Section 11.18 Alternative Distribution Methods
My Fiduciary may make any payment provided for under my Will or under the terms of
any trust established un.der my Will as follows:
Directly to the beneficiary;
In an.y form allowed by applicable state �aw for gifts or transfers to zninors
or persons under a disability;
To the beneficiary's guardian, conservator, agent under a durable power of
attorney or caregiver for the benefit of the beneficiary; or
By dizect payznent of the beneficiary's expenses, made in a rnanner
consistent with the proper exercise of the fiduciary's duties hereunder. A
receipt by the recipient for any such distribution fully discharges my
Fiduciary.
Section 11.19 Limitation on My Trustee's Powers
All powers granted to my Trustee under my Will or by applicable law axe limited as set
forth in this Section,unless explzcitly excepted by reference to this Section.
An Interested Tzustee may not exercise or participate in the exercise of discretion with
respect to the distribution of income or principal, ox the termination of the trust to or for
the benefit of a beneficiaay, to the extent that the exercise of such discretion is other than
for the health, education, maintenance or support of a beneficiary as described under
Sections 2041 and 2514 of the Internal Revenue Code.
Page 31
Article Twelve
Provisions for Payment of Debts, Expenses and Taxes
Section 'I2.01 Payment of Debts and Expenses
I direct that all my legally enfozceable debts, secured and unsecured, be paid as soon as
practicable after my death.
Section 12.02 No Apportionment
Except as otherwise provided in this Article or eisewhere in my will, my Executor sha11
provide for payment of all estate, inheritance and succession ta�ces payable by reason of
xny death ("death taxes") from my residuary estate as an administrative expense without
apportionment and will not seek contribution toward or recovery of any death tax
payments from any individual.
Section 12.03 Protection of the Charitabte Deduction
Death taxes are nat to be allocated to or paid from any assets passing to any oxganization
that qualifies for the federal estate tax charitabie deduction, or from an.y assets passing to
a split-interest charitable trust, unless my Executor has first used all other assets available
to my Executor to pay the taxes.
Section 12.04 Property Passing Outside of My Will
Except as to Qualified Retirement Benefits, death taxes im�osed with respect to property
included in my gross estate for purposes o£coxnputing the tax and passing other than by
my Will are to be apportioned among the persons and entities benefited 'zn the propartion
that the taxable value of the property or interest bears to the total taxable value of the
property and interests received by al� persons benefited. The values to be used for the
apportion.nnent are the values as finally defiermined under federal, state, or local law as the
case may be.
Section 12.05 Tax Elections
In exercising any permitted eiections regardin.g taxes, my fiduciaries may make any
decisions that they deem to be appropriate in any circumstances, and zny fiduciazies are
not requixed to make any compe�.satory adjustnn.ez�t as a consequence of any election. My
Executor may also pay taxes or interest and deal with any tax refiinds, interest, or credits
as my Executox deems to be necessary oz advisable in the interest of my estate.
My Executor may make any elections relative to the "Deceased Spousal Unused
Exclusion Amount" to the extent and am,ount allowable under Sections 2010(c)(4) and
(5) of the Internal Revenue Code, all as my Executor deems appropzi.ate under then
prevailing circunnstances.
Page 32
My Executor, in his or hex sole a.n.d absolute discretion, may make any adjustments to the
basis of my assets authorized by law, in.cluding but not limited to increasing the basis of
any property included in my gross estate, whether or not passing under my Will, by
al�ocating any amount by which the baszs of my assets may be increased. My Executor is
not required to allocate basis increase exclusively, pximarily or at all to assets passing
under my Will as opposed to other property included in my gross estate. My Executor
rnay elect,�in his or her sole and absolute discretion, to allocate basis irzcrease to one or
m.ore assets that my Executor receives or in whi.ch my Executor has a personal interest, to
the partial or total exclusion of other assets with zespeet to which such allocation could be
rnade. My Executox may not be held liable to any person for the exercise of his or hex
discretion under this Section.
Article Thirteen
Definitions and General Provisions
Section 13.01 Definitions
For purposes of nny Will and for the purposes of any trust established under my Will, the
follo�ving definitions apply:
(a) Adopted Persons
A legally adopted person in any genexation and his or her descendan.ts,
including adopted descendants, wzll have the same rights and will be
treated zn the same manner under zny Will as natural children of the
adopting parent, provided the person is legally adopted before attairung
the age of 18 years. A person wi.11 be deemed to be legally adopted if the
adoption was legal in the jurisdiction in which it occuzred at the tizne that
it occuzred.
(b) Charitable Organization
The terms "charitable organ.ization," "qualified chaxitable oxganization,"
or "charity" means any charitable organization of a type described in
Sections 170(c), 2055(a), and 2522(a) of the Internal Revenue Code.
(c) Descendanfis
The term "descendants" means any one or more person who follows in
direct descent (as opposed to collateral descent) from a person, such as a
person's children, grandchildren, or other descended individuals of any
generation.
(d) Educatian
The tezm "education" is intended to bc an ascertainable standard in
accozdance with Section 2041 and Section 2514 of the Internal Revenue
Code. The definition includes, but is not litnzted to:
Page 33
Enxollment at private elennentary, junior, and seniox high
schoal, including boarding school;
Undergxaduate and graduate study in any field at a college
or university;
Specialized, vocational, or �xofessional training or
instruction at any institution, including private instruction;
� and
� .Any other curriculum or activity that my Trustee deems to
I be useful for developing the abilities and interests of a
'I beneficiazy in.cluding, without limitation, athletic training,
�
musical instruction,theatrical training, the arts, and trave�.
j The term "education" also inciudes distributions made by my Trustee for
expenses such as tuition, room and board, fees, books and supplzes,
j tutoring and transportation, and a reasonable allowance for living
' expenses.
�
(e) Fiduciary
, "Fiduciary" ar "Fidtzciaries" refex to zn.y Executor and my Trustee, or if
j they are different persons, either of them. My "Executor" includes any
'� executor, anci�lary executor, administrator, or ancillary administrator,
�, whether local or foreign, and whether of all or part of my estate, multiple
I Executors, and their successors.
IExcept as otherwise provided in this Last Will and Testament, a fiduciary
� has no liability to any party for action(or inaction) takex�in good faith.
� (fi� Good Faith '
; For the purposes of this Last Will and 'Testament, a fiduciary has acted in
� good faith if (i) its action or inaction is not a result af intentional
' wrongdoing, (ii) the fiduciary did not make the decision with reckless
; indifference to the interests of the beneficiaries, and (iii) its action or
; inaction does not result in an zrnproper personal pecuniary benefit to the
i fiduciary.
; (g) incapacity
�i Except as otherwise provided in zny Will, a person is deemed to be
incapacitated in any of the following eircumstances.
(1) The Opinion of Two Licensed Physicians
An individual is deemed to be incapacitated whenever, in
the opinion of two licez�sed physicians, the individual is
unable to effectively manage his or her property oz
financial affairs, whether as a result of age, illness, use of
prescription med'zcations, drugs or other substances, or any
other cause.
Page 34
An ind'zvidual is deemed ta be restored to capacity
whenever the individnal's personal or attending physician
provides a written opinion that the individual is able to
effectively manage his or her property and financial affairs.
{2) Court Determination
An ind.ividual is deemed to be incapacitated if a court of
competent jurisdictiorz has declared the individual to be
dzsabled, incompetent or legally incapac�tated.
(3) Deten#ion, Disappearance ar Absence
An individual is deemed to be incapacitated whenever he or
she cannot effectively manage his or her property or
financial affaixs due to the individual's unexplained
disappearance ox absez�ce for more than 30 days, or
whenever he or she is detained under duress.
A.n individual's disappearance, absence or detention under
duress m.ay be established by an affidavit of any fiduciary.
The affidavit must describe the circumstances of an
individual's detention undex duress, disappearance, or
absence and may be relied upon by any third party dealing
in good faith with my fiduciary in reliance upon the
affidavit.
An individual's disappearance, absence, or detention under
duress may be established by an affidavit of my Executor.
(h) lncome Beneficiary
The texm "Income Beneficiary" means any beneficiary who is then
entitled to receive distributions of the net income o� the trust, whether
mandatory or discretionary.
�
tJnless otherwise provided in my Will, the phrase "majority of the Income
Beneficiaries" m.eans any connbination of Income Beneficiaries who, if all
accrued net income were distributed on the day of a vote by the
beneficiaries, would receive more than SO% of the accrued net income.
For purposes af this calculatiox�, bene�iciaries who are elzgi.ble to receive
discretionary distributions of net income sk�all be deemed to receive the
income in equal shares.
Refezences to a "majority" zefer to a majority of the entire trust
collectively until my Trustee allocates property to separate trusts or trust
shazes. After the allocation of property to separate trusts or trust shares,
references to a"majority" refer to a znajority of each sepaz�ate trust oz trust
share.
Page 35
(i) lndependen#Trustee
The term "Independent Trustee" mear�s any Trustee who is not an
Interested Trustee as defined in subsection (j) and includes aYz Independent
Special Trustee appointed under the provisions o�Section 9.09. Whenever
a power or discretion is granted exclusively to my Independent Tnxstee
then any Interest�d Trustee who is then serving as my Trustee is
prohibited from participating in the exercise of the power or discretion. If
there is no Independent Trustee serving, then an Independent Special
Trustee may be appointed under the provisions of Section 9.09 to exercise
the power oz discretion that is exercisable only by my Independent
Trustee.
(j) Interested Trustee
The term "Interested Trustee" means a Trustee who (1) is a transferor or
beneficiary; (2) is related or subordinate to a tran.sferor or beneficiaxy; (3)
can be removed and replaced by a transferor with either the transferor or a
party who is related or subordinate to the transfezor; or(4) can be removed
and replaced by a beneficzary with either the beneficiary or a party who is
related or subordinate to the beneficiary.
For purposes of this subsection, (1) "transferor" means a pezson who
transferred property to the trust, including a person whose disclaixner
resulted in property passing to the trust; {2) "be�eficiaxy" means a persan
who is or in the future may be eligible to receive income or principal from
the trust pursuant to the terms of the txust, even if such person has only a
remote contingent rem.ainder interest in the trust, but not if the person's
only interest is as a potential appointee under a powez of appointment; and
(3) "related or subordinate" m.eans related or subordinate witb.in the
meaning of Section 672(c) of the Internal Revenue Code.
Whenever this agreement specifically prohibits an Interested Trustee from
exercising discretion or performing an act ar specifically limits discretion
or the perfonmance of an act to an Independen.t Trustee, then any
Interested Trustee serving as my Trustee is prohibited from participating
in the exercise of that discretion or perforznance of that act. If thexe is no
Trustee serving that is not an Inte�rested Trustee, then an Independent
Special Trustee may be appointed undez the provisions of Section 9.09 to
exercise the discretion or perform the act.
(k) Internal Revenue Code
References to the "Internal Revenue Code" or to its provisions are to the
InternaI Revenue Code of 1986, as amended from tinne to time, and the
corresponding Treasury Regulations, if any. References to the "Treasury
Regulafiions," are to the Treasury Regulations under the Internal Revenue
Code in effect from tizne to time. Tf a particular proviszon of the Internal
Revenue Code is renumbered, or thc Interna.l Revenue Code is superseded
by a subsequent federal tax law, any reference will be deemed to be made
'Page 36
to the renuznbered provision. oz to the coxresponding provision of the
subsequent law, uniess to do so would cleazly be contrary to my intent as
expressed in my Will. The saxne rule applies to references to the Treasury
Regulations.
(I) Legal Representative
As used in my Will, the term. "legal representative" means a person's
guardian, conservator, personal representative, executor, adminzstrator,
Trustee, or any other person or er�tity personally representing a person or
the person's estate.
(m) Per Stirpes
Whenever a distribution is to be made to a person's descendants per
stirpes, the distribution will be divided into as nnany equal shares as there -
are then-living children of that person and deceased children of that person
who left then-living descendants. Each then-living child will recezve one
share and the share of each deceased child will be divided among the
deceased child's then-living descendants in the same nnanner.
(n) Primary Beneficiary ,
The Primary Beneficiary of a trust created under this agreement is the
oldest Income Beneficiary of that trust unless some other individual is
specifically designated as the Primary Beneficiary of that sepazate trust.
(o) Shall and May
Unless otherwise specifically provided in my Will or by the context in
which used, I use the word "shall" in my Wzil to command, direct or
requixe, and the word "may" to allow or permit, but not require. In the
context of my Trustee, when I use the word "may" I intend that my
Trustee may act in its sole and absoIute dzscretion unless otherwise stated
in my Will.
(p) Trus#
The term "trust," refers to any trusts created under the terms of my Will.
(q) Trustee
The tezm "zny Trustee" refers to any person or entity that is from time to
time acting as the Trustee and includes each Trustee individually, multiple
Trustees, and their successors.
(r) Trust Property
The term "trust property" means alI property held by a Trustee under my
Will, in.cluding all property that my Trustee may acquire from any sowrce.
Page 37
(s) Other Definitions
Except as otherwise provided in xny Will, terms shall be as defined in
Pennsylvania Probatc, Estates and Fiduciaries Act as amended after the
date of my Will and after nny death.
Section 13.02 Contest Provision
If any person directly or indirectly attempts to contest or oppose the validity of my Will,
(including any codicil to my Will), or commences, continues or prosecutes any legal
proceedings to set my Will aside, then that pezson will forfeit his or her share, cease to
have any right or interest in my estate, and will, for purpases of my Will, be deemed to
have predeceased me.
Section 13.03 Survivorship Presumption
If any beneficiaxy is living at my death, but dies within 30 days thereaftex, then the
beneficiary will be deemed to have predeceased me for all purposes of my Will.
Section 13.04 General Provisions
The following general provisxons and rules of construction apply to my Will:
(a) Singular and Pfural; Gender
Unless the context requires otk�ez-wise, words denoting the singular may be
construed as plurai and words of the plural may be construed as denating
the singular. Words of one gender may be construed as dez�oting another
gender as is appropriate within the context. The word"or" when used in a
list of more than two items znay funetion as both a conjunction and a
disjunction as the context requires oz permits.
(b) Headings of Articles, Sections, and Subsections
The headings of Articles, Sectzons, and subsections used within my Will
are included solely for the convenience and reference of the reader. They
have no significance in the interpretation or construction of my Wil�.
(c) Governing State Law
My Will shall be governed, construed and administered according to the
laws of the Coznmonwealth of Pennsylvania as from time to time
amended. Questions of administration of any trust established under nny
Will are to be determined by the laws of the situs of adnninistration. of that
trust.
(d) Notices
U�less otherwise stated, whenevcr my Will calls for notice, the notice will
be in writing and will be pexsonally delivered with proof of delivery, or
mailed postage prepaid by certified mail, return receipt requested, to the
last kz�own address of the party rcquiring notice. Notice will be effective
on the date personally delivered or on the date of the return receipt. If a
Page 3 8
party giving notice does not receive the return receipt but has proof that he
or she znailed the notice, notice will be effective on the date it would
norznally have been received via certi�ed mail. If notice is required to be
given to a xninor or incapacitated individual, notice will be given to the
parent or legal representativc o£the rninor or incapacitated individual.
(e) Severability
The invalidity or wnenforceabzlity of any provision of my Will does not
affect the validity or enforceability of any other pzovisiozz of my Will. If a
court of competent juxxsdiction determines that any provision is in.valid,
the remaining provisions of my Will are to be interpreted and construed as
if any invalid provision had never been included in my Will.
I, J. Harold Widder, having signed this Will in the presence of
��a� � �. ���.�_ �d CQro/ �. �>-��a�,.r� who attested it at nny
request on this day, �(�-•.�1�Q�, 'Z , 2013 at �,t,�/,is(� ,
Pennsylvania, declare this to be my Last Will and Testament.
4• 1 l �.� t�v�. :�.�.,;�.�
J.�iarold Widder, Testator
The above and foregoing Will of J. Harold Widder was declared by J. Harold Widder in
our view and presence to be his Will and was signed and subsczibed by th.e said J. Harold
Widder in our view and presence and at his request and in the view and presence of J.
Harold Widder and in the view and presence o� each other, we, the undersigned,
witnessed and attested the due execution of the Wi11 of J. Harold Widder on this day,
��`-�(}� `2- , 2013.
� �
� � � residing at � �3�5 ���,.»
.� tiIT
����� ���`-' residing at ;��. �C.� `� � � c�
�.«- ��1-� �,� I�O I._S
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PENNSYLVANIA SELF PROVING AFFIDAVIT
COMMONWEALTH OF PENNSYLVANIA }
COUNTY OF )
Cc�,�ti�;�..��.� >
I, J. Harold Widder, the testator whose name is signed to the attached or foregoing
instxument, having been duly qualified according to law, do hexeby acknowledge that I
signed and executed the instrwment as xn�y Last W�11; and that I signed it willingly and as
my free and voluntary act for the purposes therein expressed.
Swozn to or af�rmed a.n.d acknowledged before zx�e by J. Harold Widder, the testator, this
day, ��-�-�;'���.�, Z , 2013.
� '�d m�+,�t� W,�,,�,Gw
J. arold Widder, Testator �
COMMONWEALTN OF F�NNSYLVANIA
Notarlal Seal
Cassandra T.Rosenbaum,Natary Public
lower PaMon Twp,,Dauphln County
My Commisslon Explres Dec.4,2016 � ,L
MEMBER,PENN$YI.VANjq ASSqCIATIpN OF NOTARIE$
Notary Public
Page 4Q
COMMONWEALTH OF PENNSYLVANIA )
COUNTY OF C�.G��1''LC�i•�. }
)
we�5-���r, G.• 1....�2,...e,�- and C�a�a � /�, ��rc�c.c� ,the witnesses wY�ose
names are signed to th.e attached or foxegoing instrument, being duly quali�ed according
to law, do depose and say that we were �resent and saw the testator sign and execute the
instrument as his Last Will; that the testator signed wi�lingly and executed it as his free
and voluntary act for the purposes therein expxessed; that each subscribing witness in the
hearing and sight of the testator signed the wili as a witness; and that to the best of our
knowledge the testator was at that time 18 or more years of age, of sound mind, and
under no constraint or undue influence.
.�---.-.� � ��--.�-�.
-�- _ --
Wxtness
C�a..2c� Q, �"��',�-
witness
COMMONWEALTH OF FENNSYLVANIA
Notarlai Seal
Cassandra T.Rosenbaum,Notary Public
l.ower Paxton Twp.,Qauphln County �
My Commission Explres Dec.4,ZO36
MEMBER,PENNSYLVANIA ASSOCJAIION OF NOTARIES �
Notary Public
Page 41
�lze .�Faro1�o� cl'c ��elrna ZP�,ido�er .�evoca6le G'i�my �rusf
ARTICLE I
Tna�s�-er� i� Ti�ust
For good and valuable consideration, the Trustors, J. Harold Widder and
Thelma I. Widder, husband and wife, of Mechanicsburg, Pennsylvania, County of
Cumberland, hereby transfer, convey; and del'iver to the Trustees and their successors
the property listed in Schedule "A" or supplernental schedules annexed thereto and
incorporated herein by reference, to have and to hold the same, and any cash,
securities, or other property which the Trustees may,pursuant to any of the provisions
hereof, at any time hereafter hold or acquire, all of such propezty being hereinafter
referred to collectively as the "Trust Estate" for the uses and purposes and upon the
terms and conditions herein set forth.
Q►RTICLE U
"Dispositio� �e.{�one t�.e �De.a-t�. o�- ��e o� tP�e Tnustons
Before the death of one of the Trustors, the Trustees sha11 hold, manage,
invest, and re-invest the Trust Estate, and shall collect the income thereof and shall
dispose of the net income and principal as follows:
A. The Trustees shall pay to the Trustors all of the net incorne of this
Trust, in monthly or other convenient installments,but at least annually. The Trustees
may, in theiz discretion, pay or apply for the benefit of the Trustors, in addition to the
income payments herein provided for, such amounts of the principal of the Trust
Estate, up to the whole thereof, as the Trustees may £rom time to time deem necessary
or advisable for the use and benefit of the Trustoxs.
✓�'nili� �� �J¢ye I �
ARTICLE III
� 1�isposi-tio� .�1�-ten t�.e �e.atP� o{� tP�e �i�cst o{� t�.e Ti�ustons
A. After the death of the_first Trustor, the trust estate shall be divided into
two (2) parts, one part to be denominated as the Marital Trust and the second to be
denominated as the Family Trust, There shall be allocated to the Family Trust, all
of the separate property of the deceased Trustor and the deceased Trustor's joint
property interest in and to property of the trust estate. PROVIDED, HOW EVER,
in the event assets allocated to the Family Trust sha11 exceed in.value the amount of
the Federal Unified Estate and Gift Tax Credit Exemption Equivalent available under
Section 2010 of the Internal Revenue Code, as axnended, and the Regulations
thereunder or any corresponding or substitute provisions applicable to the Trust Estate,
sufficient assets shall be reallocated from the Family Trust to the Marital Trust to
reduce the value of assets allocated to the Family Trust to an amount equal in value
to said Federal Estate and Crift Tax Credit Exemption Equival�nt. All other assets
shall be allocated to the Marital Trust. It is the Trustors' intention to have the
Marital Trust qualify for the marital deduction undex I.R.C. Section 2056 and the
Regulations thereunder or any corresponding or substitute provisions applicable to the
Trust Estate. In no event shall the Trustees take any action or have any power that
will impair the xnarital deduction, and all provisions regarding the Marital Trust sha11
be interpreted to conform to this primary objective.
B. As to the assets allocated to the Marital Trust, the surviving Trustor
hereby reserves and is hereby granted a general power of appointment. Trustees sha11
make such distributions from assets and income of the Marital Trust as the surviving
Trustor sha11 direct. In all events, a11 income of the Marital Trust shall be distributed
to the surviving Trustor, not less frequently than annually. Upon the death of the
survivor of the Trustors, the Trustees sYiall distribute the then-remaining principal and
undisbursed income of the Marital Trust, if any, to such person�r persons, including
the estate of the survivor, as the survivor sha11 appoint. Such appointment shall be
made by the survivor amending this Marital Trust, or by the survivor referring to and
by affirmatively exercising this power of appointment in his or her Last Will and
Testament.
.�/nili�/(: ��aye 2
1. Any principal and income of this Trust not effectively appointed by the
� survivor shall be added at the death of the suzvivor to the Family Trust and
shall be held and administered as a part thereof; provided, however, that the
Trustees may, in their discretion, first pay from the Marital Trust alone, the
last illness and funeral expenses and any death taxes of the survivor of the
Trustors.
2. If the survivor of the Trustors disclaims part or a11 of the fractional
interest in the Marital Trust as referred to in this Article the disclaimed
properry shall be administered immediately according to the terms and
canditions, and to the same beneficiaries, as set forth in Article IV, of this
Trust Agreement, �
C: As to the assets allocated to the Family Trust, the Trustees shall
identify the assets allocated to the Family Trust and shall maintain the identity of
sa.id assets, including any proceeds or replacements, during the life of the surviving
Trustor, allowing that the Trustees may, at their discretion, make Fair Market Va1ue
exchanges of equivalent amounts of assets between the Marital Trust and the
deceased Trustor's joint property interests in property of the Family Trust. From the
assets identified as the Family Trust, and the income therefrom, the Trustees of the
Family Trust shall distribute to said survivor, �rst, all of the net income, and second,
as much of the principal of the Family Trust as necessary or appropriate for the
health, education, and maintenance of said survivor, and to provide for the support of
said survivor in his or her accustomed manner of living,including reasonably adequate
health, medical, dental, hospital, nursing and invalidism expenses.
1. Tt is the Trustors' intention that the surviving Trustor sha11 have only
a limited power of appointment in regards to the priz�cipal of the Family
Trust as defined under I.R.C. Section 2041(b)(1)(A) and the Regulations
thereunder or any corresponding or substitute provisions applicable to the
Trust Estate. In no event shall the Trustees take any action or have any
power that will impair the limited power of appointment, and all provisions
regarding the Family Trust sha11 be interpreted to conform to this primary
obj ective. �
.�ni/ial .(,' ��1 J.`�aye 3
D. Upon the death of the survivor of the Trustors, the Trustees shall
dispose of the then-remairung pzincipal and income of the Family Trust as directed
in Article IV.
ARTICLE IV �
�ispositio� o� 1�eat�. o� t�.e. Su�.�ritron o{� t�.e. Tnusto�.s �
A. Upon the death of the survivor of tha Trustors, the property of the
Family Trust, including' any portaon of the Marital Trust added thereto, and
including also any other poxtions added thereto from the estate of the Trustors or other
sources, along with the undistributed income shall be held in, trust and sha11 be �
administered and disposed of as follows:
B. T �l�d��l't�e�n��� 'n +�ti�3',;;t�hi;�;:�1
r ° • �The , Penn vania shall
, ;.
receive �,-� share to be designated to th.e �``" �
..
, Pen vania shali r eive a�
share; James Harney, (nep s al receive a share); Ri hard Harney,
(nephew shall receive a 6 "i�'C[are)�n Harn , (nephew h 1 rece' e a 6%
share); Greggory Pr u , (nep ri� sh 11 ceive a 6% s�e); P mela Van
Kirk, (niece shall rec ve 6% sh�j; Patri Taylor, ( e shall ceive a 6% �
share), Milford Thumma, (n � s$�a] iQTe a 6° §h re), T m Thiimma,
(nephew shall Q��ceiv� a C% ha , John hum a, , f�e sh I receeve a 6%�
�
sh�re), a 6% share shall be distributed to the S ial Needs rovision created
,,
under Article XXII of this decla�raiaon of trust for the beneti of Betty Thumma
(niece).
Individual baneficiaries will receive their portion of the trust estate as
follows: at the age of Twenry-three (23) .
C. And as thusly divided; each said shar� or part shall be held as a
separate trust for the benefit of the person ar persons for whom it was set aside and
shall be held, administered, and distributed as follows:
1. The Trustees may use and expend or apply so much or a11 of, first, the
.�nili� ,�+ '�,�.�i..1.�aqe 4
income, and second, the principal of the trusts hereby created for the benefit
� of a beneficiary hereof, and said amounts sha11 be used as the Trustees
detexmine necessary or advisable and in such reasonable manner as the
Trustees see fit, to provide for the health, reasonable comfort, education,
support, and maintenance of the beneficiary for whom such trust shall have.
been created. Provided, however; tfiat in de'termining said amounts the
Trustees sha11 first fake into account the needs, assets, and other available
sources of income and support of a beneficiary thereof. Provided, further,
however,the said powers of encroachments upon the beneficiary's shaxe shall
be limited to the respective shares held for the respective beneficiary.
2. As and when a beneficiary shall meet the requirements designated in
paragraph B, above, the Trustees sha.11 distribute to said respective
beneficiary the share of the Trust estate for him or her, free and clear of
trust.
3: If any of the individual beneficiaries shall be deceased, then the
Trustees sha11 divide the shares or part for the deceased beneficiary into as
many equal shares as may be necessary to provide one part or share for the
then living descendants of the deceased bene.ficiary; they taking per stirpes;
or, in the event a beneficiary is for any reason unable or unwilling to take
any portion of his share of the Trust Estate pursuant to the above paragraphs
of this Article IV, then such portion shall be distributed to his or her living
descendants equally, they taking per stirpes; and if there be' no such
� descendants, then such funds shall be equa.11y divided between ' such
beneficiary's then-living brothers arad sisters, and if there be no brother or
sister then living, then such funds shall be divided equally between the
descendants of such beneficiary's brothers and sisters,they taking per stirpes,
and if there be no descend.an:ts of such ben,eficiary's brothers or sisters then�
living, then the Trustees shall add that portion af the property of that
beneficiary to the other portions of the other living beneficiaries, and if there
are no other livin� beneficiaries then: One nalf to the iiving heirs at law of
the first of the Trustors to die, and ona-half to the livin.g heirs at law of the
last of the Trustors to die; provided, further, that said heirs at law of each
of the Trustors sha11 take the Trust property, in the samie priority and in the
9n1fi -��� ��''aye S
�
same distributive order as listed in the Pennsylvania law of intestate
• succession, as in force on the date of the signing of this Trust Agreement;
provided, further, if one of the Trustors has no living heirs at law, then his
or her one=half shall pass to the living heirs at law of tha other Trustor. And
as thusly divided, each said share or part sha11 be held as a se�arate trust £or
the benefit of the person or persons for whom it was set aside a.nd shall be
held, administered, and distributed according to subparagraphs 1., 2., and
3., of paragraph C., Article IV. Notwithstanding anything contained to the
contrary in this paragraph, if, under the provisions of this subparagraph 3.,
of paragraph C., Article IV, any person who does not yet meet the
requirements designated in paragrapli B, above, shall become entitled to a
share of the Trust Estate, such share shall not be distributed to such
beneficiary, but shall be retained in trust for saad beneficiary's benefit, and
shall be held, administered, and disposed of according to subparag�^aphs 1.,
2., and 3., of paragraph C., Art.icle IV.
4; If under the terms of this Arti'cle IV, upon the death of any beneficiary;
any other person for whorn a share or portion is being held in trust shall
become entitled to an additional share or portion, such additional share or
portion shall not be delivered free of trust, buf shall be added to the principal
of the share or portion held in trust for such person and shall go as and with
the same,
5. At the death of both of the Trustors, the Truste�s shall distribute all
of the Trustor's personal effects or other assets, including any contents of the
Trustor's residence, to the persons named in one or more letters of
instructions, entitled"Dispositian of Personal Effects" refexring to Article IV.,
.S'ubparagraph C., o£this Trust Agreement, dated and signed by the Trustors
and located among the Trustor's important papers at the time of his or her
death. In the event that either of the Trustprs have inadvertently named two
or more persons to take a particular item, ihen the'most recently dated letter
of instruction shall control.
6. If any beneficia.ry named in paragraph B, above,is an organization; and
such organization does not exist at the time of the death of the Trustors,
.�nifl��i! ' 'V,�{�'T�a9e 6
then, if the organization was a charitable institution, the share designated for
! that charitable organization shall be distributed to another organization,
chosen by the trustees; who has similar purposes and functions as the
chazitable organization that no longer exists. If the organization was not a
charitable institution then the share designated for sucli organization sha11 be
added back to the balance of the trust estate and divided to the other
beneficiaries named in paragraph B, above.
7. A trustee in its discretion may tezminate and distribute any trust
hereunder if the trustee determines that the costs of continuance thereof will
substantially impair acconlplishment of the purposes of the trust. The trustee
shall terminate and forthwith distribute any trust created heieby; or by
exercise of a power of appointment hereunder. Distribution under this
section shall be made to the persons then entitled to receive or have the
benefit of the income from the trust in the proportions in which they are
entitled thereto, or if their interests are indefinite, then in equal shares.
D, Whenever used herein, the term "issue", "chiId'; "childxen", and
"descendan.ts": incTude adopted issue, adopted child; adopted children and adopted
descendants, as well as natural issue, n.atural child, natural children, and natural
descendants, and include descendants of adopted issue, adopted child, adopted
children, and adopted descendants. Provided, however, adopted issue who are also
natural issue shall ta.ke their share of the Trust Estate only in one capacity, such
capacity being the one which grants to such issue the larger share. Where applicable,
the masculine includes the feminine, and vice versa, and the neuter includes th'e
masculine or feminine, and vice versa. Where applicable, the singular includes the
plural and vice versa.
ARTICLE V
Spe�dtP.n.i{�t PnoU'isio�
No beneficia.ry of this trust, other than a Co-Trustor, sha11 have any right to
alienate, encumber or hypothecate his interest in the trust to claims of his creditors,
.9nifial�i7__'"_.C� �Taye 7
or to render such intezest liable to attachment, execution, or other process of law, The
income of this trust shall not be pledged, assigned, transferred, sold or accelerated,
anticipated or encumbered in any manner whatsoever by any bene£iciary,nor shall any
income of the trust be in any manner subject or liable in the hands of the Trustees for
the debts, contracts or encroachments of any beneficiary or be subject to any
assignments or any other voluntary or involuntary alienation or disposition whatsoever.
If the creditor of any beneficiary, other than a Co-Trustor, who is entitled to any
distributions from a trust established under this instrument shall attempt by any means
to subject to the satisfaction of his claim such beneficiary's interest in distribution,
then, notwithstanding any other provision herein; until the release of the writ of
attachment or garnishment or other process, the distribution set aside for such
beneficiary sha11 be disposed of as follows:
l. Distribution to Beneficiary. The Trustees sHall pay to or apply for the
benefit of such beneficiary such sums as the Trustees shall determine to be
necessary for the reasonable health, education (including study at institutions
of higher learning) and support of the bene�ciary according to his or her
� ;
accustomed mode of life.
2, Disposition of Excess. The portion of the distribution that the Trustees
shall determine to be in excess of the amount necessary for such health,
education (including study at institutions of higher learning) and support
shall be added to and become principal of the trust share of such beneficiary
and will be paid to said benefYciary or subsequent heirs in a manner to
maximize the benefit to the beneficiary without comproinise o£the intent of
this trust to provide an inheritance to the heirs.
ARTICLE VI
I�U�a�id PnoU'isiou�s
If any provisions of this trust a,re held to be invalid, none of the other
provisions shall be thereby rendered invalid or inoperative as long as the remaining
.�nrfi����� o�.l��41�J aye B
Trust Agreement does not frustrate the intents of the Trustors, but tends to accomplish
their overall objectives.
ARTICLE Vll
Penpetuities sat�i��s c�ause
In any event, and anything to the contrary herein contained notwithstanding,
the trusts created in this agreement shall"terminate upon the day next preceding the
expiration of Twenty-one(21) years after the death of tlie Trustors and their issue now
living, in the event these trusts shall not haye previously termiriated in accordance
with the terms hereof. In the event of termination of these trusts as provided for in
this paragraph, the Trustees sha.11 distribute the Trust Estate as it shall then be.
constituted, together with any new income, to the betteficiaries then entitled to the
income from the Trust Estate in the same proportions iri which they are entitled to
such income. �
ARTICLE VIII
Tnustees
A. The following people wili act as Trustees in the following order of succession:
]FIRST: J. Harold Widdei• and Thelma I.. Widder
SECOND: At the death of the first Trustor the survivor of the Trustors, as trustee of
the Marital Trust, �nd as 'I'rustee of the Family Trust.
THIRD: At the death of tlte survivor of the Trustors, the following, shall s'erve as
successor Trustee(s), in the order listed: John B. Thumma and Patricia Taylor,
lcting together and then either John S. Thumma or k�ah•icia Ta�lor, acting
alone. The executor for the heirs is Jol�n E. Thumma, who may speak on behalf of
• Jn.'I.al G�__�U�aye 9
ARTICLE 1X
" Poc�e.ns o{� t�.e Ti�ustees
A. The Trustees shall have full power to do everything in administering these trusts
that they deem for the best interests of tlie beneficiaries. (whether or not it be
authorized or appropriate for fiduciaries but for this broad grant of authority); _
including power:
1. To acquire by purchase or otherwise, and to retain so long as they deem
advisable, any kind of realty or personal property, or undivided interests
therein, including common and pre£erred stocks;bonds; or other unsecured
obligations, options, warrants, interests in investment trusts and discretionary
common trust funds, all without diversification as to kind or amount, without
being limited to investments autfiorized by law for tlie.investment o£ tiust
funds; and power to hold or take title to properry iri the name of a nominee.
2. To sell for cash oz on credit, at private or public sale, excharige;
hypothecate, sell short, or othexwise dispose of any real or personal property.
3, To make distributions, including distributions to themselves as Trustees,
in kind or in money or partly in each, even if shares be composed .
differently; for such purposes; the valuation of the Trustees shail be given
effect if reasonably made.
4. 'If, in the Trustee's discretion, any beneficiary (whether a minor or of
legal age) is incapable of making proper disposition af any sum of incom:e
or principal that is p�ayable or appointed to said bene�aGiary under the terms
of this Trust Agreement, the Trustees may apply said sum to or on behalf of
the beneficiary by any one with whom the berieficiary resides; or by
payments in discharg� of the benefici.ary's bills ot elebts, including bills for
premiums on any insurance policies, or by payirig an allowance to a
beneficiary directly. The foregaing payments shall be made without regard
to other resources of the beneficiary, or the duty of any person to support the
beneficiary and without the interventiori of any guardian or like fiduciary;
.9nrfra/� r,�Cc�.�aye 11
provided, however, that the Trustees shall ensure and see to the application
of the funds for the benefit of the bene�ciary, so that the funds will not be
used by any adult person; or any othei person foi a purpose other than the
direct benefit of the beneficiary, and particulazly so that said funds will not
be diverted from the purpose o£ support and education o£ said beneficiary.
5. To determine whether and ta what extent receipts shauld be deemed
income or principal, whether or to what extent expenditures. should be
charged against principal or income, and what other adjusfinents should be
znade between principal and income; provided such adjustments do not
conflict with well-settled rules for the determination'of princ'ipal and income
questions.
6. To delegate powers to agents including accountants, investment
counsel, appraisers, legal' counsel, and other e�erts, remunerate them and
pay their expenses; to employ custodians of the Trust assets, bookkeepers;
clerks; and other assistants and pay them out of income or principal.
7. To renew, assign, alter, extend; compromise, release; with or without
consideration, or submit to arbitration or litigation, obligations or clairns held
by or asserted against the Trustors, the Trustees, or the Trust Assets.
8. To borrovv money from others for the payment of faxes, debts, or
expenses, or for any other purpose which, in the opinion of the Trustees, will
facilitate the administration of these trusts, and pledge or mortgage properry
as security for such loans; and, if money is borrowed from any Trustees,
individually, to pay interest thereon at the then-prevailing rate of interest.
9. To lease, or grant options to lease, for periods to begin presently or in
the future, without regard to statutory restrictions or the probable durat�on
of any trust; to erect or alter buildings or otherwise improve and manage
property; demolish buildings; make ordinary and extraordinary repairs; grant
easements and charges; m.ake partywall contracts; dedicate roads, subdivide;
adjust boundary lines; partition and convey property or give money for
.�nifial�:��"�� �1 �a9e 12
1
equity of partition; to be either a general or limited partner.
i
10. To enter into transactions with any other trust in which the Trustars or
the beneficiaries of the Trust Agreement, or any of them, have beneficial
interests, even though any Trustee of such other trust is also a Trustee under
this Trust Agreement.
11. To exercise all the foregoing powers alone or in conjunction with
others, even though any of the Trustees are personally interested in the
property that is involved, notwithstanding any rulas of law Yelating to
divided loyaliy or self-dealing,
12. The Trustees may engage in the practice of writing options on all
recognized exchanges and buy and sell, on margin or otherwise (including
"short" sales), securities of every nature, limited partnerships, and
commodities.
13, The Trustees may make gift transactions. However, no Trustee, other
than the Trustors acting as Trustees, sha11 have the power to make gifts,
other than to tha spouse of a Trustor,in excess of th'e arriount excluded from
gift tax under section 2503(b) of the Intemal Revernue Code of 1986; as
amended, or any successor thereto. No Trustees, other than the Trustors
acting as Trustees, shall be authorized to make gifts to charities except in
satisfaction of a written pledge of a Trustor: No Trustees, other than the
Trustors acting as Trustees, shall be authorized to make gifts to any person
who is not a descendant of a Trustor or a benefieiary under this Trust or of
the Last Will and Testament of a Trustor; or the 'spouse of such descenc3ant
or beneficiary.
B, Any Trustee may declin.e to act or may resign as Trustes at any time
by delivering a written resignation to the beneficiaries of a trust then subsisting.
C. From the income of the trusts hereby created, or, if that be insufficient,
from the principal thereof, the Trustees shall pay and discharge aIl e�enses incurred
in the administration of the Trusts.
�nifla4`�_�,1�L,(,/ r�c�c [�/�a9e 13
�`r�--
D. No successor Trustees shall be liable for any misfeasance of any prior
' Trustees:
ARTICLE X
..�lddi-tio�s to Tnust
It is understood that the Trustors or any other person may grant; and the
Trustees may receive, as part of this Trust, additional real and personal property, by
assignment, transfer, deed, or other conveyance, or by any other means, testamentary
or inter vivos, for inclusion in the Trust herein created: Any such property so
zeceived by the Trustees sha11 become a part of the Tiust into which it is transferred
and shall become subject to the terms of tfiis'Agreement. If such property' is not
specifically appointed to either the Marital Trust or tlie Family Trust in paxticular,
it shall be divided equally between the two Trusts:
ARTICLE XI
�De�ec�atio� o�- ..�ut�:onity
During physical or mental incapacitatian, each of the Trustors herein appoints.
the other, if he or she is incapacitated, or if both are incapacitated, the next succassor
Trustees, to succeed to his or her place, during sa:id peiiod of incapacitation, as either
Trustees, Guardian, Executor, or in any other legal capacity, whether appointed, orally
or in writing, and to supervise all matters in which eitlier of the Trustors had the right
to act if he or she had not become incapacitated. Incapacitation shall be established
either by a court of competent jurisdiction or by a written statement filed with the
Trustees and signed in good faith by two (2) physiciaris unrelated to either of the
Trustors or the beneficiaries. During any period of incapacity or incompetency of
either Trustor the Trust is irrevocable and unamendable in regards to its operation or
disposition for the affected Trustor. If F�oth Trustors become incapacitated or
incompetent the trust is irrevocable and unainendable during the incompetency. If a
Trustor regains competency, the trust wil] again become amendable and revocable in
.9nih'al����f �/�`�aye !4
rega.rds to the recovered Trustor. If both Trustors regain competency, the trust will .
1 again become fully amendable and revocable.
ARTfCLE XII
Pant�es �Dea�i�� �Jit�. Ti�ustees
No purchaser, and no issuer of any stock, bond or other instrument
evidencing a deposit of money or properry, or other person dealing with the Trustees
hereunder with respect to any property hereunder as puichaser, lessee, party to a
contract or lease, or in any capacity whatsoever, sha11 be under any obligation
whatsoever to see to the disbursing of money paid to the:Trustees or to the d�e
execution of this Trust, in any particular, but such persons shall he absolutely free in
dealing with the Trustees on the same basis as though the Trustee(s) was the absolute
owner of the said properry; without any conditions, restrictioris, or qualifications
whatsoever,
ARTICLE XIII
Sepa�.ate P�coper�t� to f2ew�ai� as Sepan.ate P�.openty
All property coriveyed or transferred to the Trustees or 'now held by the
Trustees pursuant to this Trust Agreement that was community property or separate
property at the time of such conveyance or transfer shall remain, respectively, the
communiry property or the separate property of the Trustor transfemng such property
to the Trustees, unless otherwise designated. Accordingly, while both af tlie Trustors
are alive, the Trustees shall pay to each of the Trustors only the income or principal
fram his or hei sepaxate trust property that each has cantributed to this Trust.
.9nifi�����,,/�.L��r�, . �a9e IS
7�y_�
��
ARTICLE XIV
(2etrocatio� a�d .�lw�.e.�dw�.e.�t
� A. As lorig as either of the Trustors are alive, each of them reserves the
,,� right, without the consent or approval of the otfier, to amend, modify, revoke,: or
remove from this Trust any and all property that was their separate praperty, as
referred to in Article XIII above, that they individually contributed, in whole or in
part, including the principal, and the pzesent or`past undisbursed income from such
principaI. After the fizst of the Trustors has died, the survivoi may amend or ievoke
only the Marital Trust, while tlie Family Trust sliall continue as an irrevocable
Trust and will be administered and distributed as set fortti lierein. On the death of the
survivor of the Trustors, the rernainder of the Trust Estate; and the trusts created
hereinafter, may not be amended, revoked, or terminated, ot�ier than by disposition of
the trust property to the beneficiaries according to the terms stated herein.
B, While both of the Trustors are alzve, they shall have full authority, in
their discretion, to sell, convey, or mortgage property in`their own names, without
disclosing their capaciry as Trustees of this Trust Agreement; any such sale or
conveyance of properiy in accordance with this provision, shall be considered as, and
shall cause, a partial revocation of the Trust with respeet to the properry so conveyed
or sold, and sha11 be suf�cient to remove said property from the Trust.
ARTICLE XV
��t�d r�t���t o� �����-���a���
The interest of the beneficiaries is a present vested interest which shall
continue until this Trust is revoked or terminated other than by death.
,
.�ni}:a1�(J � .�,�7'J a9e 16
ARTICLE XVI
Gotren�i�.� La�r
This Agreement sha1� be construed and regulated by the laws of the State of
Pennsylvania.
ARTICLE XVII
�ow�wt,o� �isas-tet�
In the event the Trustors sha11 die under circumstances in wfiich it is difficult
or impossible to ascertain who died first, for the purposes of this Trust Agreement;
it shall be conclusively presumed that Thelma I. Widder had survived her husband,
J. Harold Widder.
ARTICLE XVIII
�atastnop�.�c I���ess
Should a catastrophic illness affect one of the Trustors while they are both
living, then the Trust Estate shall be divided into separate property of each Trustor,
in a manner that complies with a11 pertinent laws and regulations, and not nullifying
any other piovision requirad for the administration or allocation and distribution of the
Trust, so as to preserve for their benefit the estate of the Trustor not so affected.
Catastrophic illness shall be defined as an illness that renders the affected
Trustor incompetent or not capable of caring for themselves such that full-time care
is required, and it is reasonably anticipated that such care shall be needed for a period
of six months or longer.
The property of the Trust Estate shall be divided groportionally to each
.�nifi��-;�,.XLt.(/�(�a9e I7
L —f-a=—
Trustor one-half of the joint property of each Trustor and their separate property.
' After the division, the share of the Trust Estate allocated to each Trustor sha11 be their
sole and separate properiy for all purposes, and sliall be subj ect to the terms and
conditions hereof if that property remains part of the Trust Estate.
The Trustor affected by the catastrophic illness, 'may elect to divide tlie Trust
Estate in accordance with these provisions. If the affected Trustor is not competent
to manage their affairs, then the co-trustor shall make the division, or the person
designated as the attorney in fact for the Trustor in their DurabTe power of Attorney,
or a court appointed conservator for the affected Trustor, shall make the division.
Upon tlie implementation of the provisions of this article, other provisions
not withstanding; the Trust of the affected Trustor shall become an "income only°
Trust, in which none of the corpus of the Trust shall be distributed to the Trustor
during the time of the catastrophic illness; but.will be held foz the beriefit of the
affected Trustor, in anticipation of their recovery from t�ie catastrophic illness.- -
ARTICLE XIX
T� Te�.no►�ew�
In the event that any beneficiary under this trust shall, singly or in
conjunction with any other person or persons, contest in any court the validity of this
trust or of a deceased Trustor's Last Will or shall seek to obtain an adjudication in any
proceeding in any court that this trust or any of its provisions, or that such Will or
any of its provisions, is void, or seek otherwise to void, nullify, or set aside this trust
or any of its proyisions, then the right of that person to take any interest given to him
by this trust shall be determined as it would have been deterrnined had the person
predecaased the execution of tl�is Trust Agreernent. The Tiustee(s) is/are authorized:
to defend, at the e�ense of the trust estate, any contest or other attack of any nature
on this trust or any of its provisions.
.�nrlia�C��O� �.9,(,��aye IB
ARTICLE XX`
.�ltton,�ey �2epi�ese�tatio�i
The attorney of record for the preparation of this trust is John C. Stambulis;
o£ Hezitage Assurance Group. If asslstance or,instruction concerning this trust is
required, the Trustors request that the Trus,tee(s) ca11 their attorney, John C.
Stambulis, oz another attorney knowledgeable in Estate Planning:
ARTICLE XXI
�xecuted I� 1�up�icate
This Tnzst Agreement has been prepared in duplicate, each copy of which
has been executed as an original, One of these executed copies is:in the possession
of the Trustors, and the other is deposited for safekeeping with the'Trustors' Attorney,
; John C. Stambulis: Either copy may be used `as the original without the other; if
only one copy of this Trust Agreement can be found, then it s}ialT be considered as
the original, and the missing copy will be presumed inadvertently toat. Any
clarifications or instructions concerning this Trust Agreement may be obtained tiy
calling the above-mentioned attoxney, who is requested to do everything necessary to
implement the provisions of this Trust, ,
ARTICLE XXII
�e�e.{�i�ia�.�'s Specia�J1(eeds T�.ust
�
Introduction to Special Needs Trust: The purpose of this trust is to provide
supplemental, not replacement, financial aid to the beneficiary's governrnent benefits:
The trustees sha11 hold, administer, and distribute atl property allocated to the
Beneficiaries Trust as follows:
Beneficiary: The beneficiaries of this trust shall be as follows:
.�nifr�(,,� 1•,�•�i(/ o�.�.GJ,Jaye !9
l�)�_r_.
Income Beneficiary: Beriy Thumma
Principal Beneficiary: Betry Thumma
Income - Trustees' Absolute Discretion: The trustees, in` the trustees' absolute
discretion, shall>pay to or for the income benef�ciary as much of the net incorn.e as is
necessary to supplement the income beneficiary's government benefits. This trust can
not be used for basic maintenance, support,medical care, dental caze,therapeutic care,
or any otfier need that is available from other sources or govemment entitlement
benefits. The trustees shall add to principal any net income not sa distributed.'
Principal-Broad Standard: If the trustees consider the income insufficient; the trustees
shall pay fo or for the principal beneficiary. as much of the principal as the trustees
consider reasonably necessary to suppiement the principal benefic'iary's government
benefits, This trusf can not be used for basic maintenance, support, medical care;
dental care, therapeutic care, or any other need that is available from other sources or
govexnment entitlement benefits. _
Guidelines - Other Sources and Govemment Entitlenzent Benefits: In making
distributions, tlia trustees (1) may consider any other iricome or. resources of the
beneficiary known to the trustees and reasonably available; (2) may take into
consideration all entitlement benefits from any government agency (such as social
security, disability payznents, Medicare, Medicaid; welfare, Supplemen#al Security
Income) and any other special purpose benefits; (3) may make expenditures to make
the beneficiary's lifestyle comfortable and enjoyable (such as spending money, travel
funds, payments for a companion, additional health care, pers;onaT luxuries; radios,
television sets, money for gifts to friends and relatives); (4) shall not be obligated or
compelled to make such payments; and (5) sliall not pa� or rei�lburse any amounts
to any government,
Beneficiary's Deathtime Income and Principal Special Power of Appointment: If the
beneficiary dies before becoming entitled to distribution of the entire trusf,the trustees
shall distribute all or any part of the trust estate, including accrued income and
undistributed income, to such one or more of the beneficiaries specified below, on
such terms and conditions either outright, in trust, or by creating further powers of
appointment as the beneficiary shall direct by a valid will or acknowledged lifetime
9�iral���." J ��W,�'aye zo
document, executed after the beneficiary's death, that specifically refers to this power
' ' of appointment. If the beneficiary does not effectively distribute all the trust; the
trustees shall distribute such omitted property under the cantingent distriliution
provisions below.
Beneficiaries:
Miiford Thumma, (brother shall receive a 1/3 share), Tom Thumma, (brother shall
receive a 1/3 share), John Thumma, (brother shall receive a 1/3 share)
Income and Principal - Trustees' Broad Discretion: The trustee's may, in their absolute '
discrerion, elect to pay income and principal benefits`on a monthly annuity basis, even
to the extent of dissipating the entire principal over a shart time.
,
Guidelines - Trustees' Duty To Evaluate Needs: The trustees, with reasonable
frequency, sha11 visit the income beneficiary to inspect living conditions and medical
treatment. The trustees shall evaluate the beneficiary's rieed for physical and dental
examinations (by an independent physician); education or traaning programs; work
opportunities and earnings; and recreation, leisure time, and social activities. The
trustees shall also evaluate the appropriateness of the beneficiary's existing residential
and aid programs, and a11 legal entitlement heriefits, including free public education
Iand rehabilitation programs. �r�'
Guidelines - Accelerated Distribution Caused by Clairns: If a court or governnierital
agency determines that this trust disqualifies the income beneficiary from any
entitlement benefits or if the trustees determiries that the trust may be subject to
gaxnishment, attachment,execution,or bankruptcy proceedings by a creditor, including
any governmental agency, then the #rustees, in the trustees' absolute discretion, sha11
evaluate the financial loss compared to continuing the trust benefits to determine
whether to maintain the trust or distribute the estate according to the distrlbution
provisions below.
Contingent Distribution at Benefici�ry's Death - Outright to Specified Beneficiaxies:
At the beneficiary's death, the trustees shall distribute the remaining trust estate in
equal shares to the following nam.ed beneficiaries th.en living;provided that any shares
not otherwise effectively disposed of by these gifts shall be added on a prorata basis
,
.�ni�i��.��C�'• �J•,�1•l-C�.�a�e 21
to the shares that are effectively distributed;
Milford Thumma, (brother sha11 receive a 1/3 share), Tom Thumma, (brother shall
receive a 1/3 share), John Thumma, (brother shall receive a 1/3 share)
.�niti� �d,P.t�,,�aye 22
, �
�
In Witness Whereof, tha Trustors have executed tlie foregoing Trust Agreement;
dated the "7 day of �'u r�e , 19 `�'6
Trustors: Trustees: J. Harold Widder and Thelma
I.. Widdei.
�? �d�'�Y�G. (�✓,:Le�c�t. ` � f .
J. Harold Widder � �,}��+� (,���
��.�.�.._ �I c,v.,.�.��.�
Thelma I. Widder �.�w-- �P• �.cJ� �.�?.P_�:, ,
Certificate of Acknowledgement of Notary Public
State of Pennsytvania )
ISS.
County of Cumberland)
On this 7 day of J �wi. , A.D. 19�4�, appeared before me J,
Harold Widder and Thelma I. Widder, as Grantors, and J. Harold Widder and Thelma
I.. Widder, as Trustee(s}, persanally known to me (or proved to me on the basis of
satisfactory evidence) to be the persons whose names are subscribed in this
instrument, and acknowledged that they executed it.
���_�����'t'"y Residing in
Notary Public ��
Notarial Seal
Glenn W.Hebert,Notary Public
NOtth Ne�arton Twp.,Cumberland County
My CornmisslOn Expires May 8,2000 ,
NOTARY SEAL:
� .�nifi���l,L,.., cJ dl CiaJ, .�a9e 23
7-i-'�'„ii`
. . . �'
The Harold & Thelma Widder Revocable Lavang Trust
TRUST AMENDMENT AGRE�MENT
This Amendment Agreement is made concerning The Harold & Thelma Widder Revocable
Living Trust at the city of Mechanicsburg, County of Cumberland, in the Commonwealth of PA,
by J. Harold Widder and Thelma I. Widder, whose address is 18 White Oak Blvd., in the city of
Mechanicsburg, in the Commonwealth of PA, (hereinafter called the "Trustors").
WIT'NES SETH:
The parties hereto are the parties of a certain Trust Agreement dated June 7, 1996. Under the
terms of said Trust Agreement, specifically Article XIV, Trustors reserved 4he right to revoke,
amend, alter or terminate such Trust. Now therefore, in consideration of the premises herein, the
Trustors hereby amend and modify said Trust Agreement as follows:
Please amend Chapter 5, Article 4:
Executors of both wills shall be chan�ed to: Spouse first then John B. Thumma and Patricia Taylor
acting separately or together.
Piease amend Chapter 8, Page 2;
Please change POA's for Healthcare as follows: replace Parnela Vankirk's name with Patricia
Taylors.
A.11 other terms of the Trust are ratified by the Trustors.
IN WITNESS WHEREOF, the parties hereto execute this Amendment of Trust this lOth day of
June, 1997.
,:__ <
r. �� � / j�,,.���, ,/� n � /
\�.. L(,!,.'l„q`X.-('.t�✓' l.��<�..f_;•L(:��^#,�l:J C'��'/2C.,,Yi,,,,.,e,,.st..,,. � L.r(.�.�..s'�-�'e.(�!/I..rr
✓ J. Harold Widder Thelma ��Widder
Certificate of Acknowledgment of Notary Public
Commonwealth of Per�nsylvania)
:ss. n, ,�. f�J, '9:� i�t/
County of ) Ge��IP����� i� � �
����� e
On this � — day of d' ��-��� , 19�� appeared before me J. Harold Widder and
Thelma I. Widder, personally known to me (or proved to me on the basis of satisfactory evidence) to
be the persons whose names are subscribed in this instrument, and acknowledged that they executed
it.
�.�_ �Q.�-�t..-S2.'�.._.t��;�.� .
_ NOTARY SEAL.
Notary Public
Notarial Seal
i�oy Earle Cc�ok,Notary Public
Mecttanicsburq Boro,Cumberla�d Counry
My Commission Expires Aug.22,2000 '
Member,Pennsylvania Association of Notaries
e v
.J • µ*ar—o1� U� �C�Y•t,�v�o�. � (.,.)��c��"
Revocable Living Trust
TRUST AMENDM�NT AGREEMENT
This Amendment Agreement is made concerning The Harold & Thelma Widder Revocable
Living Trust at the City of Mechanicsburg, County of Cumberland, in the Commonwealth of PA,
by J. Harold Widder and Thelma I VJidder, whose address is 18 White Oak Blvd., in the city of
Mechanicsbur�, Commonwealth of PA, (hereinafter called the "Trustors").
WITNES SETH;
The parties hereto are the parties of a certain Trust Agreement dated June 7, 1996. Under the
terms of said Trust A.greement, specifically Article XIV, Trustars reserved the right to revoke,
amend, alter or terminate such Trust. Now therefore, in consideration of the premises herein, the
Trustors hereby amend and modify said Trust Agreement as follows;
Please amend trust as follows: �c�.��e. `-I �—��'����� �� — S�`��°`� �
P 1-e�L� ��.��e- k����.��.� �����e�.�t..-�-,`c 4� �-�-a :,
T 1�.e.. C h.,r rL V� o�' V c� �-Ig,r-2 ��r C'��,�l.3 I�. , �� '" v2 U��o
I�.�G�.1�'l��� �7Ga-•,L1 \ G-�✓l�'e�� 1�Y.'..!-V U 1 �t'� � �{� � r � 6�
r /
L l� !� Ca c�� � Y1n.�c��c��n:c,5�"'"'� i ��4 •- �J' �/0
�� S�,S"S �V'��J�G� V'�
�'( 1 ,v�..C:.��.) i c� U' ��� ( KJ-t'v�.��-i.�_i c...r�5 �"�-�..� 'ai�..s2, 5«:Yv,sZ„
All other terms of the Trust are ratified by the Trustors,
1N WITNESS W.I-�REOF, the parties hereto execute this Amendment of Trust this�b�day
of ���... , 1999.
�a.n.....Qd l.t.).-ci�c�, �j ��.e,,.,.,.�..� �, cJ,...,�e,r�,.y
J. Harold Widder Thelma I. Widder
Certif cate of Aclznowledgment of Notary Public
Commonwealth of Pennsylvania) Notaria�seai ���
Glenn W.Hebert,Notary Public
:SS, North Newton Twp,,Cumberfand County
County of Cumberland) ' Mu��mn,+��+�,n ��pirea n�ta�e,a000
. . ��
On this '`7� day of J u�.s�. , �19�, appeared before me J. Harold Widder and
Thelma I. Widder, pecsonally known to me (or proved to me on the basis of satisfactory
evidence) to be the persons whose names are subscrihed in this instrument, and acknowledged
that they executed it.
NOTARY SEAL:
��"V
--- ----_ __ _
Notary Pub ic
�
`.7�e.�arolo��'c `.7.�zelma �xo�o�er J�evoca6le .��'lU.in,y �rusf
TRUST AMENDMENT AGREEMENT
This Amendment Agreement is made concerning The Harold &Thelma Widder Revocable Living
Trust, by J. Harold Widder and Thelma I. Widder, whose address is
� c,,,y (�w.-ic. � °�• ,in the city of�yn-c�►-�,ti�-�-s�:..� ,in the State of
; (hereinafter calied the"Trustors").
WITNESSETH:
The parties hereto are the parties of a certain Trust Agreement dated June 7'h, 1996.
Under the terms of said Trust Agreement, specifically Article XIV, Trustors reserved the right to revoke,
amend, alter or terminate such Trusf. Now Therefore, in consideration of the premises herein, the Trustors
hereby amend and modify said Trust Agreement as follows:
The foliowing shall replace Article IV, Paragraph B o�said frust:.:
The Church of God Home of Carlisle,Pennsylvania shall receive a 20%share to be designated to the Forever
Caring Fund of the Home; Doubling Gap Center of Newville, Pennsylvania shall receive a 15% share; The
First Church of God of Mechanicsburg,Pennsyivania shall receive a 5%share;James Hamey,(nephew shall
receive a 6%share);Richard Harne�,(nephew shali receive a 6%share);John Harney,(nephew shall receive
a 6%share); Greggb.ry Proudfoot,(nephew shall receive a 6% share); Pamela Van Kirk; (niece shall receive
, a 6% share); Patricia Taylor, (niece shall receive a 6°/a share),Miiford Thumma, (nephew shall receive a 6%
� share),Tom Thumma,(nephew shall receive a 6%share),John Thumma,(nephew shalLreceive a 6%share),
a 6% share shall be distributed to the Special Needs Provision created under Article XXII of this declaration
of trust for the benefit of Betty Thumma (niece).
Individual beneficiaries will receive their portion of the trust estate as follows:at the age of Twenty-three(23).
Ali other terms of the Trust are ratified by the Trustars.
IN WITNESS WHEREOF, the parties hereto execute this Amendment of Trust this �"_ day of
� `�.�LD�
�: �'1�/�.o�-�i�-�,[.�,.sd��S� r��-���7�Yc.a...— b'• �c�,.�...eY��--J
J. Harold Widder Thelma {. Widder
Certificate of Acknowledgment of Notary Public
State of Pennsylvania )
:ss.
County of Cumberland ) ;�eoti
On this�day of Yh�AY ,A.D. 1� , appeared before me J. Harold Widder and Thelma
I. Widder, personally known to me(or proved to me on the basis of satisfactory evidence)to be the persons
whose names are subscribed in this iristrument, and acknowledged that they executed it.
�'-��'�"''�/� Residing in
' Notary Public NotartalSea�
Qlenq W Nebert,t�lO=a Pubtic
NOTARY SEAL: �+��ey+ T�vp,,�������n
y�nmm,��,o�;E,c�,,tes►�4a,,1,:�'
Me►+�r,P'eruasy�yr�yie Asso�yatiora W�e
d ;F;, f'�
The Harold& Thelma �dder Revoc�cble Living Trust
�
TRUST AMENDMENT AGREEMENT
This Amendment Agreement is made concerning The Harold& Thelma �dder Re>>ocable
Lining Trust at the City of Mechanicsburg, County of Cumberiand, in the Commonwealth of
PA, by J. Harold Widder and Thelma I Widder, whose address is 18 White Oak Blvd., in the city
of Mechanicsburg, Commonwealth of PA, (hereinafter called the "Trustors").
WITNESSETH:
The parties hereto are the parties of a certain Trust Agreement dated June 7, 1996. Under the
terms of said Trust Agreement, specifically Article XIV, Trustors reserved the right to revoke,
amend, alter or terminate such Trust, Naw therefore, in consideration of the premises herein, the
Trustors hereby amend and modify said Trust Agreement as follows:
Please amend trust as follows:
Article VIII, shall read as follows:
THIRD: John B. Thumma should be replaced by Jim Van Kirk (Friend}. Everything else stays
the same.
Durable POA and POA for Healthcare should replace John B. Thumma with Jim Van Kirk
(Friend).
Ail other terrns of the Trust are ratified by the Trustors.
IN WITNESS Wf-�REOF, the parties hereto execute this Amendment of Trust this 15 day of
October, 2001.
l,`�� �.� �����.�'.t.��L.�.,rG�' • � _' ;��-..-�_ �6 • c,�J-.�-��,-�
`� J. Harold Widder Thelma I Widder
�
`�.7he.�fccro.lo�c� �helma 7.Q�io�c�er J�'er�oca6le .l�'Ivzn,y `.7rusf
TRUST AMENDMENT AGREEMENT
This Amendment Agreement is made concerning The Harold &Thelma Widder Revocable Living
Trust, by J. Harold Widder and Thelma I. Widder, whose address is
I� t:,�h,�1-c • , ,in the city of�Me�4.�► .�,in the State of
, (hereinafter called the"Trustors").
WITNESSETH:
The parties herefo,are the parties of a certain Trust Agreement dated June 7`h, 1996.
Under the terms of said Trust Agreement, specificaliy Article XIV, Trustors reserved the right to revoke,
amend, alter or terminate such Trust, Now Therefore, in consideration of the premises herein, the Trustors
hereby amend and modify said Trust Agreement as follows:
The following shall replace Vlll, Third of said trust:
At the death of the survivor of the Trustors,the following,shall serve as successor Trustee(s),in the
order listed: Jim Van Kirk and Patricia Taylor, acting together and then either Jim Van Kirk
or Patricia Taylor, acting alone. The executor for the heirs is Jim Van Kxrk,who may speak on
behalf of any minor beneficiaries.
All other terms of the Trust are ratified by the Trustors.
IN WITNESS WHEREOF, the parties hereto execute this Amendment of Trust this �7 day of
4=e_�,�-m...-, 200� .
T �-
�„ ��t a.�7�-� 1.(.�,.(.-cY�[1.nJ �it.�M..,y�/. (.c>.�G�v,v
J. arold Widder Thelma I. Widder
Certifcate of Acknowledgment of Notary Public
State of Pennsylvania }
:ss.
County of Cumberland )
On this�_day of (�= � ,A.D.20 �2. ,appeared before me J. Harold W idder and Thelma
I, Widder, personally known to me (or oved to me on the basis of satisfactory evidence)to be the persons
whose names are subscribed in this instrument, and acknowledged that they executed it.
�� ,�.�� � Residing in
Notary Pubiic
NOTARY SEAL:
�'_.-NoCarialSeal ���'�ry,�
NnrthfVewtonTwp�C phAYlandCuun�y
My�ommission Expires May 17,2G04
Member,Pennsylvz�ia Association ot Noieries
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06 Peb:2013 13 Mar 2013 FRUST IMERES7$ �.p
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Date ppen High Low Close Volume Adj Close• ��������f��
Ju131,2014 53J8 54.02 52.40 52.60 10,021,800 52.24 ����������
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http://finance.yahoo.com/q/hp?s=MET&a=06&b=31&c=2014&d=06&e=31&f--2014&g=d 10/14/2014
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Date Open High Low Closa Volume Adj Close' ! �f����.���
Ju131,2014 53J8 54A2 52.40 52.60 10,021,800 5224 �����{�frOCl'�'
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Account Number 6210990286
Account Title J HAROLD WIDDER
Date Opened 7/28/2005
Account Type Checking
Princi a1 Balance as o£DOD $28035.52.
Interest from Last Posti.n.g to DOD $ .�5
Account Balance as of DOD $28035.67
YTD Intexest to DOD $3.06
Se�e��e �� �� �{
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Account Number 6218731107
Account Title J HAROLD WIDDER
Date Opened 2/24/2007
Account Type Checking
Princi al Balance as of DOD _ . $11305..0.1 _ . . . ._ ._
Interest from Last Posti�n.g to DOD $ .pg
Account Balance as of DOD $11305.09
YTD Interest to DOD $1.33
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Account Number 6235806640
Account Title J HAROLD WIDDER .
Date Opened 7/18/2012
Account Type Checking
Princi al Bala.rice as of DOD _ _ __ _ _ __.$34040_38..____. _
.. _ .
Interest from Last Posting to DOD $ .78
Account Balance as of DOD . $34041.16
YTD Interest to DOD � $5.90
Closed 09/25/2014
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� RICHARD J EBERLY
� PH.717-766-4541 .
37 E USBURN RD - -
MECHANICSBURG,PA 17055 pAT���G�,%�O/i/ 60-8224-2313 ,
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TO THE.. � . . . �— OD
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invoice`Numb2r Description Date Amount Discdunt 'NC!itHheld 'Net=AmounE
08312014 Refund �8/31/2U14 8,353.30 0.00 O.OU 8.,353.30 �
Check Date: 09/12[2014 `Gheck#: 0.00004282Q Totals: 8,353".30 0,09 0.00 8,353.3.0
urch o�Go y_Te l�c Chu�^*of Cod"o�e Isic 6h4rch of Gca+4�Te Irc Ch+.h of Ca Ham n C'^u ch•o�Ga�+Ftome Inc Ch�ra of God 4cme.;nc-Ch�rch d Cod Home Inc-ChurchoS.Ged Nome.I .-.......
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' P.O.Box 40007
iLYNGHBURG VA24506-9939
"� 000 000035�.00000000 001 00'I 001761NS:1 0
� '� L�.III�.�IIL���I�I��LLIL..II���II��;iI���It,,,IL��H�„I
S TME ESTATE OF J WIDDER
y 412 DARLA RD
� MECHANJCSBURG PA 1.7055
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� Payment far Jul 20 2014 through Jul 30 2014: $1,100.00
4
� Section A - Policy Details
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� Daily Benefit: $100-.00
Elimination Period: 2C Days
j Elimination Period Met: Jun '0 20i2
� Lifetime Max: 1,460 Days
� Benefits Paid to. Date: 784 Days
Remaining Balance: 676 Days
Section B• - E�lanation of Benefits Paid
Nursing Home Facility
' Paid: 11 days @ $ 1C0.00 = $ 1,100.00
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>LYNCHBURG WA 2450$-9939 _. . :'. > • �8�2���'4 `
PAY.EXACTLY"""""ONE THOUSAND ONE NUNDRED DOLL'ARS AND NO CEN'fS �
PAYTO THE ORDER;OF THE ESTATE OF J W.IDDER VOIDAFTER 180 DAYS '� "" ,
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MEMBERS 1St
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FEAERALCREDIT iJNION
J HAROLD WIDDER AND THELMA I WIDDER MARITAL TRUST
REGULAR SAVINGS ACCOUNT:
Account Number/Suffix 361801-00
Date Account Established 07/13/2009
Principal Balance at Date of Death $5.00
�cc;-��o�, �n+oro�t+� r�a±o of�,eath �0.40
Total Principal and Accrued Interest $5.00
Name of Successor Trustees Jim Van Kirk
Patricia Taylor
CERTIFICATE OF DEPOSIT:
Account Number/Suffix 361801-41
Date Account Established 10/17/2013
Principal Balance at Date of Death $27,340.84
Accrued Interest to Date of Death $27.87
Total Principal and Accrued Interest $27,368.71
�lame of Successor Trustees Jim Van Kirk
Patricia Taylor
MEMBERS 1ST FEDERAL CREDIT UNION
�
Tessa L Klugh
Lending Insurance Support Specialist
October 3, 2014
. � .�..� ., ....�..,-
CjidiC Ci: .i�riru"C."v�v tir�'vv�� �
Date of Death: 07/31/2014
Social Security Number; 204-03-9773
5000 Louise Drive • P.O.Box 40 • Mechanicsburg,Pennsylvania 17055 • (800) 283-2328 • wwwmemberslst.ozg
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-- PO Box 30170
Coilege Station,TX 77842-3170
== Within USA,US territories�Canada 800 649 3593�
_� Outside USA,US territories 8 Canada 201 680 6578
a "'""*""'*AUTO"'3-DIGIT 170 000035I0074857 0 7 4$5 7 Hearing Impaired(T�D� 201 680 6611
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_= J HAROLD WIDDER
== &THELMA I WIDpER TR UA 07-JUN-96 THE HAROLD WIDDER&
— THELMA WIDpER LIVING TRUST Holder Accounf Number
� 412 DARLA RD COOZZZ97$Z'I F � �
-- MECHANICSBURG PA 17055
_�
� Record Date 08 Aug 2014
_... .:.. .... _ .. ..._.. .... . Check Number 0019329481
�'`T� �' � UfI1CS0005.DomMETL_PG1.M6TLJR295R_70763/074R57�074357/i12
I�etLife Policyholder Trust-::Dividend Distribution See Over for Direct Deposit Form
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Attached is your third quarter Dividend Summary and check.You can elect to have your dividends deposited directfy into your bank account.
7�participate,please complete the enrollment form on the back of this statement and retum it in the enclosed postage-paid envelope.You may
a[so enroll by calling 1•800-649-3593,and at the main menu say"Direct De,�osit"or Press 5.Please refer to the enclosed instructions befo�e enrolling.
C�ividend Summary � �
Holder Account Number C0022297821
Record Payable I Security I Total Trust Dividend Curre�t Tax Net Total Stock Price as of
Date Date Description Interests I Rate( Distribution I Amount�($) I Dividend($)I Market Value I Record Date
OE Feb 2014 13 Mar 2014 TRUST INTERESTS 140 $0.27500 38.50 0.00. 38.50 6,802.60 48.59000
QP May 2014 13 Jun•2014 7RUST INTERESTS 140 $0.35000 49.00 0.00 49.00 7,182.00 51.30000
OE Aug 2014 12 Sep 2014 TRUST INTERESTS 140 $0.35000 49.00 0.00 49.00 7,238.00 51.70000
Year•To-Date Paid 136,50 0.00
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Bank of America �a-�z7R
ABanta,Dekalb County,Georgia 611 GA
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order of &�THELMA I..WIDDER TR;UA 07-J
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Ju131,2014 53.78 54.02 52.40 52.60 10,021,800 5224 ��������fr�E�T�
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http://finance.yahoo.coxn/q/hp?s=MET&a=06&b=31&c=2014&d=06&e=31&f-2014&g=d 10/14/2014
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11UUal9ace � Nurick LLc
Timothy R. Deckert
Direct Dial:717.237.5413
100 Pirte StreB�g PO Box 1166 � Ha�risbur�,PA 17108-i 166 Direct Fax:717.260.1680
Tel, T17.232,$Q00 + F�,�,: 717,237.530+J tdeckert@mwn.com
October 24, 2014
Amy M. Moya, Esquire
5011 Locust Lane
Harrisburg, PA 17109
RE: Home Mission Council of the Easfern Regional
. _ . . _.. ...
Conference of the Churches of Gocl�— General Conference
Dear Ms. Moya:
Our firm represents Home Mission Council of the Eastern Regional Conference of the
Churches of God, General Conference. They have,forwarded me your letter dated October 3,
2014, in which you request certain information regarding the investment held by the Trust Estate
of J. Harold Widder.
In response to your request for information:
1. The investment is referred to as a Certificate of Investment, represented by
Ce�tificate No. 699. It is essentially an unsecured promissory note bearing interest
at the rate of 2.25%.
2. The Certificate was originally issued on July 31, 1996. Mr. Widder has elected to
roll over the investment on multiple occasions. The Certificate now matures on
July 31, 2016.
3. There is no beneficiary designation on file.
4. As of July 31, 2014, the value of the Certificate was $38,176.75.
5. Accrued interest was paid on July 31, 2014. Therefore, as of July 31, 2014, there
was no accrued interest on the Certificate.
If you have any questions about the above information, please contact me.
Very truly yours, •
McNEES WA ACE & NURICK LLC
�y
' imoth . B�cicert
TRD/kac �
cc: James Brandt I
11l11A�VVo�1 V9/�1.C0111
HARRISBURG, �A � LANCASTER, PA � SCRANTON, Pd$ � STATE COLLEGE, P�, � GOLUMBUS,OI� ° WASHINGTON, DC
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,�Vkli�i�iCRM NATIONAL INSURANCE COMPANY
i.IFE INSURANCE 8�A�dNUITY CLAIMS DEPARTMENT
PO�OX 10466�?RINGFIELD, MO 6580&0466 TEL:(800)615-7372 FAX:(231)538-6757
Qf�OEJ<::' �3� 2�Z�
,AlViY M�YA
��'T'ORPJ�Y AT LAW
5011 LC}CUS�' LAfUE
�6ARRISBURG P�1 �7109
��: Clairr�—C91�760--John Harol� V+Jiddei•—Pol6cy- LA�00159��
t�ear iVdrs. �/loya:
'+h�s ietter is in response to your October 3, 2014 letter.
!�olicy LAR0015998 is a non-qualified anr�u�ty policy issu�d 7/1�4/1995 with J. Harold 1Mdder as the annuitant
and the i-iarofd &Thelma Widder Revocable Living Trust dated 6/7j1.996 is awner.
Arnerican National Insurance Com�any is an insurance cor�lpa�y and nat a �inancial institution. Policy
E_AROo15998 does not have stock, ch��king, savings, mt�nQy �narke'�, or mutual �und values.
�he value of policy LAR0015998 as of the date af deata�7/33/2�1� is as folfaws:
Ueath Benefit $41,$50.19
Ccst Basis $40,000.00
��xa�le Amo�mt $ 1,850.19
The be��ficiary of record under this nor�qualified ani;uity contract 's the Harold &Thelma Widder Revocable
Living Trust dated 6/7/1996.
This trustee under this Trust should complete ti�e enc9osed Re�uest for Payment of Annuity Benefits form (the
"Relationship to Deceased" should be shnvvn as "Trustee") and re�urn it wth a certified death certificate and
the poiicy.
We will also need a copy of the portionof the Trust a�reement that show its creation and names the Trustee or
sGccessor T�ustee. If the Trust has an IRS Tax ID number that numb�r should be shown on the t�ttom of the
ciaim form where the "Claimant's Social Security#" is reguested.
!f�the Trust is requesting only a lurrzp s�� distributiore then only question {a) on page 2 needs to be answered.
5��� C�, I-� �3
l�c�l�e�.�� ��n��ccl �o��
, ��=��
'�y ' �r�.r .
. .i. V.��'. .� �.. � �`�.
8 Market Plaza Way ." ` ' ' -�
:.. Y .,,.:, . .. .�: ,. ., . .: (717)697-4696
Mechanicsbur ,PA 17055 � www.Malpezzik'uneralHom�.com
Jeremy J.Shartzer,FD Michael J.A�Ialpezzi,Owner,FU Kyle C.Kaipe,FD
August Z0,2014
;
� Pamela Van Kirk
� 412 Darla Street
� Mechaniesburg,PA 17055
� This is the final statement for the funeral services of John Harold Widder
� We sincerely appreciate the confidence you have placed in us and will continue to assist you in every way.
� PROFESSIONAL SERVICES:
�E � . .. . .. � . . : ., .. . ....
Services of Funeral Director/Staff $5,475.00
� k'UNERA.L HOME SERVICE CHARGES $5,475.00
; SELECTED MERCHANDISE:
� 32 oz.Copper Casket $b,325.d0
� 12 Ga.Regular $1,535.00
,
Natures Tranqnility Register Package $95.00
g THE COST OF OUR SEIiVICES,EQUIPMENT,AND 1VIERCT3ANDISE
; THAT YOU AA'VE SELECTED $13,430.00
s` �
� CASFI A.DVANCES:
� At the timefuneral arrangements were made,we advanced certain payments to others as an accomodation.
The following is an accounting of those charges.
E Opening Grave $1.,250.00
� Cemetery Equipment $200.00
� Certified Death Certificates $90.00
iNewspaper Notices-Patriot $275.17
� Clergy/Mass Offering $250.00
i Organist . $125.00
I Flowers • $159.00
; E���g $150.00
� TOTAL CASH ADVAl�?CES AND SPECIAL CHARGES $2,499.17
` CONTRACT PRTCE ' -
� �IISTORY: $15,929.17
�
' 07/31/2014 Discount Pre-Need Guazantee $4,469.80
� 08/18/201.4 Payment Sagicor $9,960.90 ✓
� TOTAL AMOUNT AUE BY August 30,2014 $1,498.47 .
j
If you have any quesrions or concerns regazding this bill,please call our office at(717)697-4696.
I
--' ����..�,c� C� C�.. ��
' � ' �
I � ' .
� Promissoiry Note � . �
� Amount: $40,911.00
,
i �
x Date: August�26, 1998 _
� Enola,PA 17013
� .
� For value received,the vndersigned, Glenn W. Hebert and 7envifer G:Hebert,husband
� and wi.fe,promise to pay to The Hazold and Thelma Widder Living Trust,Harold and
� Thelzna Widder,.Trustees, and theiz.successozs�the_XearTy in�terest on the pri.ncipal sum of
� Forty Thousa�ad Nine Hundred Eleven($40,911.00)DoLars as listed below. Interest only
� sha:ll be payable at sueh pla.ce as the holder may designate in writing delivered or mailed
to the debtor in successive six month irzsta�lments, the.first-such payment to be due and
� owing February 26, 1999. The remaznipg insrtallments shaI1 be paid as indieated
hereafrer:
�
S
fA,NZOUNT DATE DUE �! INTEREST DATE PAID '
� I RAT� '
° 2,045.00 February 26, 1999 10%
� I
� 2,045.00 I Aueust 26, 1999 10°/a
� �
� 2,250.00 Februaty?6,2000 11%
;
�
2,250.00 August 26,Z000 I 11%
I
2,450.00 February 26,2001 12%
2,4�0.00 August 26,2001 12%
� The entire remaining balance of principle and interest shall be payable and.due on August
'"" 26, 2001. Upon the end of the above listed term if both parties are in a�reement then this
. note may be renewed for a period of three additional years at 12% interest pez year.
Payments shall be deemed made on the date of maiiing as judged by the postmark. In the
event the debtozs shall fail to make any paymen�t required herein on or before their due
date, debtors agree to pay a late payment char�e of five (5%) percent of the total amount
of the required payment for each successive thirty (30) days or portion thereof for which
said payment is past due.
The privilege is reserved to pzepay at anytime, without preznium oz fee, the entire
indebtedness or any part thereof. ,
The debtors hereby a�ree to designate the holders as benefciary for the said debt amount
- so that if one of the holders should die before the time of this note has e:tpized then�
i
_ ,
"'� PAGE 2 , "
! �
holders.obligation shall be satisfied. At fhe time the note is satisfi'ed the afozementioned
� bene:ficiary designation s�iall.be removed. � .
'�'his note sha.11 continue unencumbered with the above named person or entity for the full
� term.regardless of persons,trustees oz heus. �
i -
The undersigned waive presentment,pratest and notice and the benefit of any home�tead
! � exemption��a.srto-t�te-c�ebt, and further agree to pay reasonable attorney fees should zt �
; become necessary to place this no�te in the hands of any attorney for collection or to
' protect tlie interest of the holder hereof as provided in this note. If any payrnent required
; by thzs Note is not made within 90 days ofits due date, the obligation sliall be in default.
In the event of default,to secure payment of the amount set forth hezein, the undersigned
do authorize irrevocably any attorney o:f any.court of record to appeaz for them in such
court, tezm, time or locatzo� at anytime hezeinaftez and confess judgement wi.thout
process in favor of the holder of this note for amount as may be unpaid thereon together
with interest, late payment charges, costs and ten (10%) percent aitorney fees. The
,
following parties are of sound'mi.nd and understand all that is set forth and previously
; written:
; �-'
k � 1 ����
3 Glenn W, Hebert 3ei er Hebert
� 8 �.�— `�8� .
� Date - '
. � ��.L'��.�1�2�!�,�� ��.—e,�..�.:. �. c,��:..�. �
n� der's Si�nn.ature Lender's Signature �
1 - , # '
� ..
� , . . • �
; .
� _ ,
- ..-,,._.
,
� � � � - Personal Loan
� . �ount: $ao,9a.�.00
Date.: August.29,ZU01" '
Mechanicsbuzg,PA 17013 ,
� For value received,the unders�gned,'The Horse Stu�Company and Jennifer G.Hebezt,
promise to pay to The Harold and Thel�na�dder Living Tnist,Harold and Thelma
� � � �Wxddez�;Tz�ustees, and thea suceessors,the yearly interest on the principal sum of Foriy
j Thousand Nine Hundred Eleven($40,9:11.00)DoIlaxs as listed below. Interest only shaIl
� be payable at such�lace as the hold�r may designate in writing delivered or mailed to tkze,.
� • debtor in successive six xnonth installments, the first such paymen#to be due and owi�g
� as shown below. The remai.niug installments sl�a.11 be paid as indicated hereafter:
�
� ANIOUNT AATE DYTE INTEREST DATE PA.ID
I
x�
� 2,045.00 February 26,2002 10% •d 'LS
� —;�:�.r.�Z_
� 2,045.04 August 26,2002 10°�a
� The entire remaming balance of principle and intezest shall be payable and.due on August
26, 2002. U�on the end of the above listed terzn if both parties aze in agreement then this
note may be renewed for a period of one additional year at 10% interest per year.
� �'ayments shall be deemed made csn the date of mailuig as judged by the postmark. Tn the
� event the debtors sha11 fail to riiake any payrnent required herein on or before their due
� date,, debtors agree to pay a late payment charge of five (5%)percent of the total amount
� of the required payment for each successive thirty (30} days or portion thereof for which
� sazd payment is past due.
,_ The privilege is, reserved to prepay at anytinae, without premium or fee, the entire
indebtedness oz any part thereof.
� The debtors hereb e
y agr e to designate the holdezs as beneficiary for the satd debt amount
so that if one of fhe holders should die before the tune of this note has expired then
holders obligation sb.a11 be sa.tisfied. At the time the note is satis�.ed the aforementioned
beneficiary desionatibn shall be removed.
Tbis note shall continue unencumbered with the above natned person or entity for the fiill
term regardless of persons,triistees oz heirs.
.. ¢ . ,
. • Page2 � � ' � �
The undersigned waive presentment, protest aud notice and the benefit of any homestead
- exemption as to the debt, and further agree to pay reasonable attomey fees should it �
become necessary to place this note in the hands of any attorney for collection or to
. " protect the ivaterest,of the holder hereof as provided in tbis inote. If any payment required �
`by this Note is not made withm 90 days of its dae date, the obligation sha]I be in default.
-In the event of default, to secure payanent of the amouut set forth herein,the uudezsigned
do authorize irrevocably any attorney of any court of reco.rd to appeaz for them in such
court, term, time or location at anytime hereina$er and con#'ess judgement without
process in favor of the holder of this note for amount as ma.y be unpaid-thereo�r-�oget�er
wzkh interest, late payment charges, costs and ten (10%) percent attorney fees. The
followixxg part:tes aze of sound mind and iindezstand all tbat is set forth and previously
written:
�✓� � -� � ��h�,�" � ��U) Ul
Je vfer G. H�rt � Date
` �Y'��_ �-,��-�D�l
- arold Widder Date
»
�\l4Gt i ��^�.I�w:...m..._.._ .� [M„'�p4. ti*� l'"^ . ��1� :.5+r+�„-�
*���1�1'i�� "�i4���r�F•'
Payment History for$arold Widder
Date Paid For Month Check# �nterest Paid Princi al Paid Princi al Left
=�-�-2008 Jan-Apr 2008 Interest 1305 30�.60 $22,g41
�-10-2008 May 2008 Interest � 1315 76.-�7 , 223.�3 22,717.�7
Princi al �
6-13-2008 June 2008 Interest 1463 76.47 223_�3 22,493.29
Pzin ' al �
7-20-2008 July 2008 Interest 1468 .. 76.47 223.53 22,269.76
Principal �
8-22-2008 Aug 2008 Interest 1483 74.23 125.77 22,143.99
Prin ' al
10-12-2008 Sept. &Oct Iuterest 1488 148 152 22.991
Princi al .
11-14-2008 Nov. Interest 1�L97 74.00 76 22,915
Principal �
1-29-2009 Dec—Jan bnterest 2022 148.00 152.00 22,7b3
Princi al
4-20-2009 Feb—Mar-Apr Int 2038 222.00 78.00 22,685
Principal
8-20-2009 May—June—July— 2077 296.00 0 22,685
Au Tnterest
7-20-ZO10 Sept.t.tuU Dec. 2009 2242 ;b2.50 0 22,685
Interest
8-25-2010 Jan,thru Apz 2U IO 2246 302.�0 0 22,685
Interest
9-30-2010 May thru Aug 2010 2255 302.50 0 22685
Interest
11-25-2010 SeptthruDec. 2010 226=� 302.�0 � 226��
Interest
5-17-2011 Jan—May2011 2305 378.00 0 22685
Imterest
, �
GI.ENN W NEBERT 12-os . W'�
JENNIFER G HEBERT 2305
109 WHITE OAK TRCE /
IIXINGTON,KY40511 � Z����
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Steven W Fahnestocl< & Associates
Certi fted Publfc Accountant
1513 Cedar Clif£Drive • Camp Hill, PA 17011 • 717-737-5466 • Fax: 717-737-5780
July 14,2015
Jacky Mindeck
Law Offices of Susan Lederer -
5011 Locust Lane
Harrisburg, PA 17109
Dear Ms. Mindeck,
Attached is the calculation of the balance of the Ioan from The Harold and Thelma Widder Living
Trust to Glen W. and Jennifer G. Hebert.
This calculation is based on a promissory note signed in 1998,a personal loan signed in 2001 and a
record of payments received by J. Harold Widder. According to the promissory note and personal
loan,the interest rate varied between ten and twelve percent; but according to the record of
payments,the interest rate had been reduced to four percent prior to 2008.
The last payment received was in May,2011 and at that time the outstanding balance was recorded
as$22,685. Applying an interest rate of 4% until the date of death results in a balance of$25,828.74.
Very sin erely,
en . ahnestock, CPA "
Member
American Institute o f Ceni fied Public Accountants
Pennsylvania Cnstirute o f Ceni fied Public Accountants
Loan from The Harold and Thelma Widder Living Trust to Glen W.and Jennifer G. Hebert
4%Interest(Lowered from original rate)
Balance at beginning of month Interest due Principal paid Interest paid Ending Balance
6/1/2011 $22,685.00 $75.62 $0.00 $0.00 $22,760.62
�/i/zoii 522,�so.6z S�s.s� So.00 So.00 $zz,836.49
8/1/2011 $22,836.49 $76.12 $0.00 $0.00 $22,912.61
9/1/2011 $22,912.61 $76.38 $0.00 $0.00 $22,9gg.9g
10/1/2011 $22,988.98 $76.63 $0.00 $0.00 $23,065.61
11/1/2011 $23,065.61 $76.89 $0.00 $0.00 $23,142.50
12/1/2011 $23,142.50 $77.1A $0.00 $0.00 $23,219.64
1/1/2012 $23,219.64 $77.40
$0.00 $0.00 $23,297.p4
2/1/2012 $23,297.04 $77.66 $0.00 $0.00 $23,374.69
3/1/2012 $23,374.69 $77.92 $0.00 $0.00 $23,452.61
4/1/2012 $23,452.61 $78.18 $0.00 $0.00 $23,530.79
5/1/2012 $23,530.79 $78.44 $0.00 $0.00
6/1/2012 $23,609.22 $23,609Z2
$78•�0 $0.00 $0.00 $23,687.92
7/1/2012 $23,687,92 $78.96 � 50.00 $0.00 $23,766.88
8/1/2012 $23,766.88 $79Z2 $0.00 $0.00 $23,846.10
9/1/2012 $23,846.10 $79.49 $0.00 $0.00 $23,925.59
10/1/2012 $23,925.59 $79.75 $0.00 $0.00 $24,005.34
11/1/2012 $24,005.34 $80.02 $0.00 $0.00 $24,085.36
12/1/2012 $24,085.36 $80.28
$0.00 $0.00 $24,165.64
1/1/2013 $24,165,64 $80.55 $0.00 $0.00 $24,246.20
2/1/2013 $24,246.20 $80.82 $0.00 $0.00 $24,327.02
3/1/2013 $24,327.02 $81,09 $0.00 $0.00 $24,408.11
4/1/2013 $24,408.11 $81.36 $0.00 $0,00 $24,489.47
5/1/2013 $24,489.47 $81.63 $0.00 $0.00 $24,571.10
6/1/2013 $24,571.10 $$1.90
$0.00 $0.00 $24,653.00
7/1/2013 $24,653.00 $82.18 $0.00 $0.00 $24,735.1$
8/1/2013 $24,735.18 $82,45 $0.00 $0.00 $24,817.63
9/1/2013 $24,817.63 $8Z.73 $0.00 $0.00 $24,900.35
10/1/2013 $24,900.35 $83.00 $0.00 $0.00 $24,983.36
11/1/2013 $24,983.36 $83.28 $0.00 $0.00 $25,066.63
12/1/2013 $25,066.63 $83.56 $0.00 $0.00 $25,150.19
1/1/2014 $25,150.19 $83.83 $0.00 $0.00 $25,234.02
2/1/Z014 $25,234.02 $84.11 $0.00 $0.00 $25,318.14
3/1/2014 $25,318.14 $84.39 $0.00 $p.00 $25,402.53
4/1/2014 $25,402.53 $84.68 $0.00 $0.00 $25,487.21
5/1/2014 $2�;487.21 $84.96 $0.00 $0:00
6/1/Z014 $25,572.16
$Z5,572.16 $85.24 $0.00 $0.00 $25,657.40
7/1/2014 $25,657.40 $85.52 $0.00 $0.00 $25,742.93
7/31/2014 $25,742.93 $85.81 $0.00
$0.00 $25,828.74