HomeMy WebLinkAbout09-10-15 m
peARrs411.,vaniaIX(03-14) 15056184113
DEP .� �,�
REV-1500 OFFICIAL USE ONLY
Bureau of Individual Taxes INHERITANCE TAX RETURN County Code Year File Number
PO BOX 280601
Harrisburg, PA 17128-0601 RESIDENT DECEDENT 21 15 0081
ENTER DECEDENT INFORMATION BELOW
Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY
01 08 2015 06 12 1941
Decedent's Last Name Suffix Decedent's First Name MI
MCBRIDE STEPHEN i
(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 Retum 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)
RX 7. Decedent Died Testate 8� Decedent Maintained a Living Trust 0 9. Total Number of Safe Deposit Boxes
(Attach copy of will) R (Attach copy of trust.)
R10. Litigation Proceeds Received 11. Non-Probate Transferee Return El 12. Deferral/Election of Spousal Trusts
(Schedule F and G Assets Only)
F] 13. Business Assets 14, Spouse is Sole Beneficiary
(No trust involved)
CORRESPONDENT-THIS SECTION MUST BE COMPLETED,ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO:
Name Daytime Telephone Number
R DOUGLAS GOOD 717 354 4456
First Line of Address
132 WEST MAIN STREET
Second Line of Address
City or Post Office State ZIP Code
NEW HOLLAND PA 17557
Correspondent's email address: douq(ci_)qoodharris.conn
REGISTER OF WILLS LlS(v,ONLY
REGISTER OF WILLS USE ONLY
C_T11 rri
DATE FILED MMDDYYYY cD C/*) G-> CD
rrI
DATE',FILEDSTAMR-r,
r M
CD
Side I
1505618403 1505618403
1505618411
REV-1500 EX
Decedent's Social Security Number
Decedents Name: McBride, Stephen J.
RECAPITULATION
1. Real Estate(Schedule A)........................................
............... 1 140 ,000.00..I...............
2. Stocks and Bonds(Schedule B)............................................................................ 2. 22,246-95
3. Closely Held Corporation,Partnership or Sole-Proprietorship(Schedule C)......._ 3.
4. Mortgages and Notes Receivable(Schedule D).............................................. 4.
5. Cash,Bank Deposits and Miscellaneous Personal Property(Schedule E).......... 5. 65A75-83
6. Jointly Owned Property,(Schedule F) M Separate Billing Requested............ 6.
7. Inter-VIvos Transfers&Miscellaneous Non-Probate Property
(Schedule G) E] Separate Billing Requested............ 7. 872,494-15
8. Total Gross Assets(total Lines 1 through 7)........................................................ 8. 1 ,099,816-93
9. Funeral Expenses and Administrative Costs(Schedule H).................................... 9. 27,249- 45
10. Debts of Decedent,Mortgage Liabilities and Liens(Schedule 1)............................ 10. 51521-13
11. Total Deductions(total Lines 9 and 10)........................................................... 32-1770-58
12. Net Value of Estate(Line 8 minus Line 11).......................................................... 12. 1 -.067,046- 35
13. Charitable and Governmental Bequests/Sec 9113 Trusts for which
an election to tax has not been made(Schedule J)............................................... 13.
14. Not Value Subject to Tax(Line 12 minus Line 13)............................................... 14. 1,067,046-35
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.
16._1 Amount of Line 14 taxable
at lineal rate X .046 1,067,046. 35 16, 48A17 .139
17. Amount of Line 14 taxable
at sibling rate X.12 0 -00 17, 0.00
18. Amount of Line 14 taxable
at collateral rate X.15 0.00 18. 0-_00
19. TAX DUE.............................................................................................I................. 19. 4 8-v 017- 0 4
20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT ❑
Under penalties of pequry,I declare I have examined this return,inrJuding accompanying schedules and statements,and to the best of my knowledge and belief,
it is true,correct and complete.Declaration of preparer other than the person responsible for Ming the return is based on all information of which preparer has
any knowledge.
SIGN!� OF PERSON R�ESPONSlBLEFOR�FILING RETURN Jennifer L.Miranda alkla McBride DATE
ADDR9" Q9 15
215 N.Lirne,,S
j.,Aaritaster, PA 17602
SIGNATURE 0 R R 0, ER N REPRESENTATIVE R.Douglas Good Esq.
ADDRESS
132 IWAVies_t4aln Street,New Holland, PA
� 11111111111{
Side 2
11111
1505618411
REV-1500 EX Page 3 File Number 21-15-0081
Decedent's Complete Address:
DECEDENT'S NAME
McBride, Stephen J.
STREET ADDRESS
945 Humer St
CITY STATE ZIP
Enola PA 17025
Tax Payments and Credits:
1. Tax Due(Page 2, Line 19) (1) 48,017.09
2. Credits/Payments
A. Prior Payments 42,750.00
B. Discount 2,250.00
Total Credits(A +B) (2) 45,000.00
3. Interest (3)
4, If Line 2 is greater than Line 1 +Line 3,enter the difference. This is the OVERPAYMENT. (4)
Check box on Page 2,Line 20 to request a refund
5, If Line 1 +Line 3 is greater than Line 2,enter the difference. This is the TAX DUE. (5) 3,017,09
Make Check Payable to: REGISTER OF WILLS AGENT
v
PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS
1. Did decedent make a transfer and: Yes No
a. retain the use or income of the property transferred;,.............................................................................. ❑
lxl
b. retain the right to designate who shall use the property transferred or its income;.................................. ❑ ❑x
c. retain a reversionary interest;or............................................................................................................... ❑ ❑x
d. receive the promise for life of either payments,benefits or care?............................................................ ❑ ❑x
2. If death occurred after Dec. 12, 1982, did decedent transfer property within one year of death without
receiving adequate consideration?.................................................................................................................... ❑
3. Did decedent own an"in trust for" or payable upon death bank account or security at his or her death?....... ❑
4. Did decedent own an individual retirement account,annuity,or other non-probate property which ❑ ❑
containsa beneficiary designation?...............................................................................:.................................. x
IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES,YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN.
For dates of death on or after July 1,1994 and before Jan.1, 1995,the tax rate imposed on the net value of transfers to or for the use of the surviving spouse
is 3 percent[72 P.S.§9116(a)(1.1)(i)].
For dates of death on or after January 1,1995,the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0 percent
[72 P.S.§9116(a)(1.1)(ii)]. The statute does not exempt a transfer to a surviving spouse from tax,and the statutory requirements for disclosure of assets and
filing a tax return are still applicable even if the surviving spouse is the only beneficiary.
For dates of death on or after July 1,2000:
. The tax rate imposed on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use of a natural parent,an
— adoptive parent,or astep-parent of the child is 0 percent[72 P.S.§9116(a)(1.2)].
• The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is 4.5 percent,except as noted in(72 P.S.§9116(a)(1)].
. The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is 12 percent 172 P.S.§9116(a)(1.3)]. A sibling is defined,
under Section 9102,as an individual who has at least one parent in common with the decedent,whether by blood or adoption.
Rev-1502 EX+(12-12)
SCHEDULE A
pennsylvania REAL ESTATE
DEPARTMENT OF REVENUE
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
McBride, Stephen J. 21-15-0081
All real property owned solely or as a tenant in common must be reported at fair market value.Fair market value is defined as the price at which property would be
exchanged between a willing buyer and a willing seller,neither being compelled to buy or sell,both having reasonable knowledge of the relevant facts.
Real property that is jointly-owned with right of survivorship must be disclosed on schedule F.
Attach a copy of the settlement sheet if the property has been sold
Include a copy of the deed showing decedent's interest if owned as tenant in common.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1 945 S. Humer Street-valued at appraisal 140,000.00
TOTAL(Also enter on Line 1, Recapitulation) 140,000.00
(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 A(Rev. 12-12)
Rev-1503 EX+(08-12)
SCHEDULE 0
pennsylvania STOCKS & BONDS
DEPARTMENT OF REVENUE
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
McBride, Stephen J. 21-15-0081
All property jointly-owned with right of survivorship must be disclosed on Schedule F.
ITEM CUSIP VALUE AT DATE
NUMBER NUMBER DESCRIPTION UNIT VALUE OF DEATH
Cambridge Investment Research Inc.-Account#5CR 22,246.95
-583971 titled in decedent's name alone
TOTAL(Also enter on Line 2, Recapitulation) 22,246.95
(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 B(Rev.08-12)
Rev-1508 EX+(08-12)
SCHEDULE E
pennsylvania CASH, BANK DEPOSITS, & MISC.
DEPARTMENT OF REVENUE
INHERITANCE TAX RETURN PERSONAL PROPERTY
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
McBride, Stephen J. 21-15-0081
Include the proceeds of litigation and the date the proceeds were received by the estate.
All property jointly-owned with the right of survivorship must be disclosed on schedule F.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
I Jackson National -pension benefit 2,513.43
2 Santander-Checking#0921718195 titled Stephen J. McBride or Donna L. McBride. Donna 8,630.00
predeceases Stephen. Opened 10/3/1990
3 Santander-money market#0924089199 titled Stephen J. McBride or Donna L. McBride; 49,144.44
Donna predeceased Stephen; opened 12/2109
Accrued interest on Item 3 through date of death 5.05
Accrued interest on Item 3 through date of death 0.05
4 Social Security 1,057.62
5 2001 Chevrolet S10 -valued at sale price 1,000.00
6 2001 GMC Jimmy-valued per Kelley Blue Book 803.00
7 Miscellaneous deposit 10.00
8 Miscellaneous Deposit-refund 320.13
9 Pennsylvania Department of Revenue-2014 income tax refund 1,040.00
10 Santander-refund of monthly maintenance fee 30.00
11 State Farm -refund of auto insurance premium 295.11
12 State Farm -home owners policy refund 227.00
TOTAL(Also enter on Line 5, Recapitulation) 65,075.83
(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)
Rev-1510 EX+(08-09)
SCHEDULE G
pennsylvania INTER-VIVOS TRANSFERS AND
DEPARTMENT OF
AX EVENUE
RETURN
INHERITANCE TAX RETMISC. NON-PROBATE PROPERTY
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
McBride, Stephen J. 21-15-0081
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 re OF DEWS EXCLUSION TAXABLE
NUMBER THE DATE DE OF TROANSFERSATTACiiTA COPHEIR RELATIONSHIP
OF THE DEED FOR REAL ESENTTATE.E. VALUE OF ASSET INTEREST (IF APPLICABLE) VALUE
1 Cambridge Investment Research, Inc. -IRA#NGX 461,102.47 100.000% 0.00 461,102.47
-006225 titled IRA fbo Stephen McBride Pershing LLC
as custodian, beneficiaries Laura K.Saurs and
Jennifer L. Miranda
2 Jackson National Life Insruance Company-Annuity# 407,391.68 100.000% 0.00 407,391.68
1004775151 in dxecedent's name alone;opened
1!512009
3 Jennifer L. Miranda-gift given within one year of date 5,000.00 3,000.00 2,000.00
of death
4 Laura K.Saurs-gift given within one year of date of 5,000.00 3,000.00 2,000.00
death
TOTAL(Also enter on Line 7, Recapitulation) 872,494.15
(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)
REVw511o*(08-13)
DEPARTMENT OF REVENUE FUNERAL EXPENSES AND
INHERITANCE TAX RETURN
RESIDENT DECEDENT ADMINISTRATIVE COSTS
ESTATE OF FILE NUMBER
McBride, Stephen J. 21-15-0081
Decedent's debts must bereported ooSchedule i
ITEM DESCRIPTION AMOUNT
NUMBER
A. FUNERAL EXPENSES:
See continuation schedule(s) attached 8,405.00
B. ADMINISTRATIVE COSTS:
1Personal Representative's Commissions
Name of Personal Representative(s)
Street Address
City State Zio
Year(s)Commission Paid
2. Attorney's Fees Good & Harris, LLP 14,600.00
3. Family Exemption: (If decedent's address is not the same as claimant's,attach explanation)
Claimant
Street Address
City State zio
Relationshio of Claimant to Decedent
4. Probate Fees 475.50
5. Accountant's Fees
6. Tax Return Preparer's Fees 350.00
7. Other Administrative Costs 3,518.95
See continuation schedule(s)attached
TOTAL(Also enter on line 9, Recapitulation) 27,249.45
Copyright(c)uu13form software only The Lackner Group, Inc. Form px-1mmSchedule n(Rev.mmu)
SCHEDULE H
FUNERAL EXPENSES AND ADMINISTRATIVE COSTS
continued
ESTATE OF FILE NUMBER
McBride, Stephen J. 21-15-0081
ITEM
NUMBER DESCRIPTION AMOUNT
Funeral Expenses
1 Enola First Church of God -funeral luncheon 200.00
2 Sullivan Funeral Home-funeral expense 8,205.00
H-A 8,405.00
Other Administrative Costs
3 Advance Disposal -trash removal 314.01
4 Advanced Disposal -fee for disposal of personal property 47.49
5 Advanced Disposal -fee for trash disposal 79.65
6 Appraisal Associates -payment for appraisal of real estate 425.00
7 Conrad Abstracting Company-title search 175.00
8 Cumberland Law Journal -estate advertising 75.00
9 Deb Lupold -per capita tax 4.90
10 East Pennsboro Township-payment of sewer/sanitation 46.50
11 Home Depot-estate expense(trash bags, boxes,tape) 83.06
12 Keystone Oil -payment for heating oil 276.11
13 Pennsylvania Department of Transportation -registration for the GMC 36.00
14 PPL-payment of electric service 206.15
Copyright(c)2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H(Rev.6-98)
SCHEDULEH
FUNERAL EXPENSES AND ADMINISTRATIVE COSTS
continued
ESTATE OF FILE NUMBER
Mil;Bride, Stephen J. 21-15-0081
ITEM
NUMBER DESCRIPTION AMOUNT
15 Register ofWills'filing fee Receipt Release and Refunding Bond 5.00
16 Santander'fee for date of death balance information 20.00
17 Santander'monthly maintenance fee 30'00
18 Santander'monthly maintenance fee 30.80
is Social Security'reimburse payment paid after date ofdeath 1.087.62
20 State Farm 'pneimumfor auto insurance 340.38
21 State Farm 'payment ofpremium 70.26
33 The Patriot News'estate advertising 196.82
H-B7 3.518.95
Copyright(c)2O02form software only The Lackner Group,Inc. Form PA450NSchedule H(RevO-98)
Rev-1512 EX+(12-12)
SCHEDULE
pennsylvania DEBTS OF DECEDENT,
DEPARTMENT OF REVENUE
INHERITANCE TAX RETURN MORTGAGE LIABILITIES AND LIENS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
L
I_1 _00i
McBride, Stephen J. fW21-15-0081
Report debts incurred by the decedent prior to death that remained unpaid at the date of death,including unreimbursed medical expenses.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
I Amazon.com -payment of credit card balance 960.55
2 Comcast-payment for cable 308.18
3 Holy Spirit Hospital -payment of medical service provided 225.00
4 Shell Credit Card -payment of credit card balance 31.40
5 United States Treasury-2014 federal,income tax due 3,996.00
TOTAL(Also enter on Line 110, Recapitulation) 5,521.13
(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-1613 EX+(01-10)
pennsylvania SCHEDULE J
DEPARTMENT OF REVENUE
INHERITANCE TAX RETURN BENEFICIARIES
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
McBride, Stephen J. 21-15-0081
NAME AND ADDRESS OF RELATIONSHIP TO DECEDENT SHARE OF ESTATE AMOUNT OF ESTATE
NUMBER
PERSON(S)RECEIVING PROPERTY
Do of List rustee (Wards) ($$$)
I TAXABLE DISTRIBUTIONS [include outright spousal
distributions,and transfers
under Sec.9116(a)(1.2)]
Jennifer McBride a/k/a Miranda Daughter 50%residue
215 North Lime Street
Lancaster,PA 17602
Laura K.Saurs Daughter 50%residue
651-felmetta Road
Monroe Township, NJ 08831
Total
Enter dollar amounts for distributions shown above on lines 15 through 18 on Rev 1500 cover sheet,as appropriate.
NON-TAXABLE DISTRIBUTIONS:
II. A.SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN
B.CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS
TOTAL OF PART II-ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET
Copyright(c)2010 form software only The Lackner Group, Inc. Form PA-1500 Schedule J(Rev.01-10)
-I -r
LAST WILL AND TESTAMENT
OF
STEPHEN J.McBRIDE
I, STEPHEN J. McBRIDE of the Township of East Pennsboro, Cumberland County,
Pennsylvania, declare this to be my Last Will and revoke any Will and Codicil previously made
by me.
ITEM 1: I direct that my body be interred in the Mausoleum in Rolling Green
Cemetery, 1811 Carlisle Road,Camp Hill,Pennsylvania in a burial plot which I own.
ITEM 2: I direct that all my just debts and funeral expenses be paid as soon as practical
after my death.
ITEM 3: I devise and bequeath all of my estate of every nature and wheresoever situate,
together with insurance thereon, to my wife,DONNA L.McBRIDE, providing she survives me
by thirty(30)days.
ITEM 4: Should my wife, DONNA L. McBRIDE, predecease me or die on or before
the thirty-first (31 St) day following my death, I devise and bequeath all of my estate of every
nature and wheresoever situate, together with insurance thereon, in equal shares, to my
daughters, LAURA K. SAURS of 65 Helmetta Road, Jamesburg, NJ 08831 and JENNIFER L.
u}
MIRANDA of 215 North time Street,Lancaster,PA 17602,per stirpes.
ITEM 5: Should any beneficiary entitled to a share of my estate not have attained the
age of twenty-five(25)years at the time of distribution to him or her, I devise and bequeath the
share of such beneficiary to Harris Savings Bank of Enola,Cumberland County,Pennsylvania,in
separate trusts, to hold, manage, invest and reinvest the share so received, in accumulation of
income thereon, and to use and apply the income and principal, or so much thereof as, in
Trustee's discretion, may be necessary or appropriate for such beneficiary's maintenance,
support, and education (including college education, both graduate and undergraduate) without
regard to his or her parents' ability to provide for such maintenance, support or education, or to
make payment for these purposes,without further responsibility,to such beneficiary's parents or
to any person taking care of such beneficiary. Any principal or income not so applied shall be
distributed to such beneficiary absolutely when he or she attains the age of twenty-five (25)
years. If he or she dies before attaining the age twenty-five (25), the Trust shall terminate and
such share shall be distributed to his or her personal representative..
ITEM 6: I direct that all taxes that may be assessed in consequence of my death, of
whatever nature and by whatever jurisdiction imposed,shall'be paid from my residuary estate as
a part of the expense of the administration of my Estate.
ITEM 7: I appoint my wife, DONNA L. McBRIDE, Executrix of this my Last Will.
Should my wife,DONNA L.McBRIDE,fail to qualify or cease to act as my Executrix,I appoint
h
my daughters, LAURA K. SAURS of 65 Helmetta Road, Jamesburg, NJ 08831 and JENNIFER
L. 14IiRANDA of 215 North Lime Street, Lancaster, PA 17602, Co-Executors of this, my Last
Will.
ITEM 8: I direct that my personal representatives or their successors shall not be
required to give bond for the faithful performance of their duties in any jurisdiction.
IN WITNESS WHEREOF, I have hereunto set my hand and seal to this, my Last Will
and Testament,this 2Co day of -i to N r= 1998.
ell
S P J.Mc
Signed, sealed,published and declared by the above-named Testator as and for his Last
Will and Testament in our presence, who, at his request, in his presence and in the presence of
each other,have hereunto subscribed our names as attesting witnesses.
----- residing at "a, 7.dSS
residing at 0;el 11 Iye-
COMMONWEALTH OF PENNSYLVANIA
ss:
COUNTY OF CUMBERLAND
We, STEPHEN J. McBRIDE, d /.5.4 M64elam" eoyA—�r: , and
/V /5,7 611e, the Testator and the witnesses respectively, whose
names are signed to the attached or foregoing instrument, being first duly sworn, do hereby
declare to the undersigned authority that the Testator signed and executed the instrument as his
Last Will and that he had signed willingly, and that he executed it as his free and voluntary act
for the purpose therein expressed, and that each of the witnesses, in the presence and hearing of
the Testator, signed the will as witness and that to the best of his or her knowledge, the Testator
was at the time eighteen (18) years of older, of sound mind and under no constraint or undue
influence.
;N J. RIDE
N A1, MDE
ess
Witness V
Subscribed, sworn and acknowledged before me &,II-X &�,&e by
STEPHEN J. McBRIDE, the Testator, and subscribed and s4orn to before me by
1—(>.4 I#Ast 16 C-DvAl e and s lee
4^1 z-- the witnesses,
this 71 day of V-vwg- ) 1998.
Notary
Rarity C
"vm0d"Y*p.,Om*�q*uWj'PA
PAY C-WMWM1XPk"j"*itwo
GRU Appraisal Associates LLC
Appraisal Report McBride
Uniform Residential Appraisal Report File#R00088
The purpose of this summary appraisal report is to provide the lender/client with an accurate,and adequately supported, opinion of the market value of the subject
Property Address:945 S Humer St— CRY Enola State PA L Code 17025
Borrower Client:Stephen J McBride Estate Go R Dougi Owner of Public Record Stephen J McBride Estate County Cumberland
1Legal Description Referenced in Record Book 30C Page 484
Assessor's Parcel# 09-16-1052-028A Tax Year 2015 R.E.Taxes S 3,791
Neighborhood Name East Pennsboro/Enola Map Reference 09-16-1052-028A Census Tract 0102.04
Occu t 0 Owner Tenant Z Vacant Special Assessments$ 0 PUD HOA S 0 0 perear 0 per month
" Pro Rights Appraised 0 Fee Sim lo D Leasehold 0 Other describe
AssIgnmentType 0 Purchase Transaction Refinance Transaction Z Other describe Establish Market value of the subject"AS IS".
Lender/Client Client:Ste henJMcBddeEstatec/oRDou Ir Address 132 West Main Street New Holland PA 17602
Is the subject property currently offered for sale or has It been offered for safe In the twelve months prior to the effective date of thisappraisal? 0 Yes 0 No
Report data source(s)used offering rices and date(s). Cumberland County Public Records and CPML MLS.Verified 02/03/2015.Subject has not been
offered for sale in the last 12 months.
1 ❑did ❑did not analyze the contract for sale for the subject purchase transaction.Explain the results of the analysis of the contract for sale or why the analysis was not
performed.
Contract Price$ Date of Contract Is the property seller the owner of public record? EJ Yes No Data Source(s)
Is there any financial assistance(loan charges,sale concessions,gift or downpayment assistance,etc.)to be paid by any party on behalf of the borrower? ❑Yes ❑No
If Yes report the total dofiar amount and describe the items to be paid.-
Note:Race and the racial composition of the net hborhood are not appraisal factors.
'•',^'''"�Nal'ftio`�tdod�C ar�ctenstics"�x���4,�w?;,��dt:,'�.dpii�,�'r„�Te�Unit �.i"iTjer�ils"�;T�"af �:1�k�;.,;�Oiie�,llnitFbusin`k�`,�P.,reseritl'an_d;U�e `?�
Location 0 Urban N Suburban Rural Pre Values El Increasing Stable El Declining PRICE AGE One-Unn 65%
Buift-U 'Over 75% El 25.75% Under 25% Demand/Su Shortage R in Balance Over Su $(000) 2-4 Unit 10%
Growth 0 Rapid Z Stable El Slow Marketing Time 0 Under 3 mths Z 3.6 mths Over 6 mths 75 Low 0 Mu10-Famil %
Neighborhood Boundades North is Route 944 South is Condo unlet Creek East is S Enola Drive West is 350 High 125 Commercial 10%
East Penn Drive. 150 Pred. 50 Other 15%
Neighborhood Description See Supplemental Addendum with comments. The Predominant single family housing value is better reported in a range of
$76,000 to$200,000.Predominant age is better reported as 30 years to 70 years.Other represents vacant ground.
Market Conditions Oncluding support for the above conclusions See attached Supplemental Addendum wah comments.
Dimensions 173.4'x75.52'x279.77'x75.04'xl6l'x276.29' Area'1.6 acres Shape Mostly Rectangular View Suburban
Specific Zoning Classification Residential Zoning Description Allowing single family units
Zoning Compliance 0 Legal Legal Nonconforming Grandfathered Use No Zoning F1 Illegal describe
Is the highest and best use o1 subject property as Improved or as proposed per plans andspecifications)the present use? N Yes El No It No describe
utilities Public Other describe Public Other describe Off-site Improvements-Ta Public Private
Electricity 10o amp Water 0 S Well Street Paved Asphalt
Gas None Sanitary Sewer Septic Alley None El L1
FEMA Special Flood Hazard Area n Yes Z No FEMA Flood Zone X FEMAMap# 42041 C0118E FEMA.Map Date 03/16/2009
Are the utilities and off-site im roveinents typical for the market area? 0 Yes LJ No If No describe
Are there any adverse site conditions or mdemal factors easements encroachments environmental conditions land uses,etc.)? Yes No If Yes describe
There are no apparent adverse easement encroachments enviromental conditions external factors or other adverse conditions on this site.Land
records were not checked for recorded easments reporting on only apparent easments external factors encroachments and other apparent
adverse conditions.
Gene'ral,Descrl!)o y1Mr k f iF Fbu ti t[o'' �o�rt' GEftefTo�Descri"tLo`rl i4;ete�ials/coridit)drl �rttelia:!:: al cQio-
Units R One M One with Accessory Unit Concrete Slab Crawl Space Foundation Wags ConcreteSIk/Avera a Floors Wd C t Vn Aver
#of Stories 1 Poll Basement Partial Basement Exterior Walls FrameBAlum/Avera Wags D IVAvera e
Type Z Det n Aft D S-Det/End Unit Basement Area 1,358 s.ft.Roof Surface Com Shin/Avera a Tdm/Finish Wood/Average
Usting D Proposed n Under Const.Basement Finish 90 %Gutters 8 Downspouts Aluminum/Average Bath Floor Vin Avera e
Design S Bi-Level Outside En &t JZ Sump Pump Window Type DoubleHung/Averag Bath Wainscot Fiber lass/Avera e
Year Built 1975 Evidence of 171 Infestation StormSasfVlnsulated StormUnits/Avera a Car Stora a Ll None
Effective Age(Yrs) — ❑Dam ness ❑Settlement Screens Yes/Avara a Driveway #of Cars 2
25
Attic None Heatin FWA HWBB Radiant Amenities Woodstove s # 1Dd veway Surface Paved Asphalt
Drop Stair Stairs 0 Other IFuel oil Z Floe lacy s # 1 Fence Area Garage #of Cars 2
' Floor R Scuttle. Coolina n Central Air Conditioning Patio/Deck 1.1 Porch 1 1 Cnrnni #of Cars 0
Rnished Heated individual IZ Other None 0 Pod None [E:)Other None Ad. Det ❑Built-In
Appliances ElRefrigerator ®Range/Oven ®Dishwasher E:1Disposal ®Microwave 0 Washer/Dryer ®Other descdbe Fan/Hood
Rnished area above rade contains: 6 Rooms 3 Bedrooms 1.0 Baths 1,358 Square Feet of Gross Wing Area Above Grade
. Additional features(special energy efficient hems etc.. Front porch,rear patio,rear deck enclosed porch,single pane windows with storm units 2 car
arae finished basement area.Note:Central AIr system is not working.Considered as no central air.
Describe the condition of the property(Includingneeded repairs,deterioration renovations mo
redefm etc.. The sub ect exterior is in average condition with
ical improvements.The interior of the sub'ect is in overall average conditionalthough dated in decor and amenities.Floor plan and amenities are
typical of this style home and should receive normal acceptance within the market area.The basement of the sub'ect is 100%of the 1st floor GLA
and at present,90%finishedwith recreation room .1 bath and additional fnished area.Basement is a osed to the rear with exterior access.There
is a wood stove In the garage that is to be connected in the enclosed porch.
Are there any physical deficiencies or adverse conditions that affect the fivablIty,soundness or structural integrity of the ? El Yes 0 No ft Yes describe
Does the property generallyconform to the neighborhood functional utfity,Ne,condition use construction etc.)? Yes No If No describe
Freddie Mac Form 70 March 2005 Page 1 of 6 Fannie Mae Form 1004 March 2005
Form 1004—WnTOTAV appraisal software by a la mode,Inc.—1-800-ALAMODE
�t
McBride
Uniform Residential Appraisal Report File#R00088
There are 1 comparable properties currently offered for sale In the subject neighborhood ranging in price from$ 119,900 to$ 119,900
There are 9 com arable sales in the sub ect nei hborhood within the past twelve months ranafnq In sale price from$ 125,000 to$ 174,900
FEATURE SUBJECT COMPARABLE SALE#1 COMPARABLE SALE#2 COMPARABLE SALE#3
Address 945 S Humer St 353 Raymond Rd 10 Pennsboro Dr 5 Laurel Dr
Enols PA 17025 Enols PA 17025 Enols PA 17025 Enols PA 17025
Proximity to Sub ect �Mj i ". }4!'1.98 miles N 2.05 miles NW 2.09 miles NW
Sale Price $ M -t, ;,, $ 125 000 �. ar . ?$ 174 500 w. $ 126.00
Sale Pdce/Gross Liv.Area $ 103.09 s.ft.$ 96.15 s.ft ".,.--!n .�' I _$ 124.64 121.62 s ft ;:
Data Sourcesi"sn'°"1i ;;jig ; CPML#10251038•DOM 64 CPML#102478930DOM 12 CPML#10261348 DOM 4
lVedfication Sources t ae %il k,:}?a" r;CmbrindCntvpubRec CPML MLS PubRec AnorFiles CmbrindCntvPubRec.CPML
VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION +- $Adjustment DESCRIPTION I +(-)$Ad ustment DESCRIPTION +- $Adjustment
Sales or Financia "" ?=1+': ':?ii's '=s+r
g { ArmLth ArmLth Arml-th
Concessions nON 4d ?
McBride
Uniform Residential Appraisal Report File#R00088
The subject age Is estimated as 40 years.The subject use has been single family residential which appears to be the Highest best use for the
Property.
Unless otherwise noted within the appraisal report,ALL provided photos are original and were obtained by the appraiser during the development
of the appraisal.All of the sales Indicated have been externally and or interiortV view by the appraiser as required by the appraisers guidelines for
performing appraisals.
When applicable within the appraisal report, it is assumed unless noted in the report,that the roof,plumbing,heating,electrical and air
conditioning system,wells septic tanks or cesspool are in satisfactory operating condition that the building is structurally sound and free of termite
infestation and free of termite damage.The appraiser suggests that buVers,lenders and other interested parties obtain certifications from property
qualified professionals for their protection.
There has not been a title search or survey completed on the subject property that would confirm or deny any encroachments easements deed
restrictions on oragainst the subject property.In addition Information developed from available reported public record is believed accurate unless
otherwise noted.Please be advised that public record reportInq is at times slow or incorrectly reported. At the time of the appraisal viewing of the
subject property,unless otherwise noted in the appraisal report,none of the items mentioned in this paragraph were visibly noticed or apparent.
The appraisal is made considering the items not present or having no effect on the overall typical use of the sub ect as valued In this report. If an
of these items are present,the Market Value as determined by this report may be adversely affected.
Sub ect Photos are original photos taken at the time of the subject property vieWnq and have not been altered.
The digital signature used on the appraisal report is the true signature of the appraiser and used on all appraisals.Digital signatures facilitate the
transfer of the appraisal report by EDI EFT or e-mail.The software utilized by the appraiser to generate the appraisal report protects signature
•
security by means of a pin number that is In the sole control of the appraiser.
The appraiser researched a group of sales listings and under contract properties in the sub ect area for coon arison to the sub'ect.Sales
analysis is based on the proArnity to the subject,location effective age,market age,size appraiser verifiable information of the sales appraisers
resonel knowledge of the sales and most similar amenities to the sub ect.The sales under contracts and or listings provided in the Market
Comparison Approach to Value are the best verifiable sales under contract and or listings,similar to the subject from the group of sales reviewed.
This appraisal is a Summary aporalsal."The Intended User of this appraisal report is the Client.The Intended Use is to establish the market
value of the sub ect in AS IS condition sub'ect to the stated Scope of Work purpose of the appraisal,reporting requirements of this appraisal reort
form and Definition of Market Value. No additional Intended Users or Unintended Users are identified by thea raiser."
The line ad'ustment when in place,on the Sates Comparison Approach to Value room count area is for the bathrooms in the GLA area of the
subject.Overall room count is considered In the GLA ad'ustment for the sub ect.It is improper to increase or reduce value for both room count and
GLA.This practice,U used would create a situation of Increasing value or reducing value for the same situation.
Personal property was not included in the final value of the sub ect.
Value adjustments within the appraisal are based not on onespecific market derived adjustment or paired sales analysis.Most are based on
several thousand over a period of 20 ars with strong influence for a cost to cure for their differences.
The appraiser is nota professional home inspector and does not warrant the absence or presence of defects in the subject property.
The Indicated sales and listings shown at the top of form 1004 page#2 is a reference to the listings and sales in the defined neighbortmd shown
in page#1 neighborhood section.Listings,sales and data indicated on form 1004MC included this Information but shows all information in the
sub ect market area in addition to this information.
Basement size and finished area for the comparables;Is estimated from public record reporting when available MLS information when available
and the appraisers general knowledge of the subject design.Actual verifiable information is not available through credible named sources.
_ _____ ' 'w'c`s•^„"•r-"'T--'_r-...__.,,,,• ..�k:v::Y.'•�.Y�-.,- .::[a5,.. _ ,_.,.yrs
rwCOSTwAPPA0ACH1�0�YA6UEa ogre.ulred:bFarinleMaek "* �,. �:.,,.:r !•?. Vit..:' ._u
Provide adequate information for the lender/client to re ticate the below cost figures and calculations.
Support for the opinion of site value(summary of comparable land sales or other methods for estimatina site value
ESTIMATED REPRODUCTION OR REPLACEMENT COST NEW OPINION OF SITE VALUE...................................................................... =E
Source of cost data DWELLING S .FL @$ ............. =b
Oual' rating from cost service Effective date of cost data Sq-Fl-0$ =$
Comments on Cost Approach(gross living area calculations,depreciation,etc. =E
See attached building sketch with dimensions and subject drawing.See Garage/Carporl S .Ft.0$ ............ =E
• attached supplemental addendum with comments on the subject prope Total Estimate of Cost-New ............. =$
Cost Approach to Value. less Physical IFunctional I External.
Depreciation 1 1 =5
Depreciated Cost of Improvements ....................................................=S
"As-is"Value of Site Improvements ....................................................=E
Estimated Remaining Economic Life UD and VA only) 35 Years INDICATED VALUE BY COST APPROACH.............................................=f 0
� • r N �e s 'w IACOME/dt?P 0, .TO'MI of r'u ie 0 1F n Ie,Mae : Z f
• Estimated Monthly Market Rent$ 0 X Gross Rent Multiplier 0 =$ 0 Indicated Value by Income Approach
Summary of Income Approach encluding support for market rent and GRM See attached supplemental addendum for comments on the Income Approach
to Value.
_:'W�"-•�_-,�r° .�__�, t:�_,s�'s_i�'°��-'?jay_� �!.;'L�,,���PR�EO:T�!!N. AIPiUir?H{e
Is the developer/builder in control of the Homeowners'Association(HOA)? 0 Yes No Unit type(s) Detached Attached
Provide the following Information for PUDs ONLY 8 the developer/builder Is In control of the HOA and the subject property Is an attached dwelling unit.
Leal Name of Pro ect
• Total number of phases Total number of units Total number of units sold
Total number of units rented Told number of units for sale Data source(s)
Was the project created by the conversion of existing bulldin s Into a PUD? El Yes No If Yes,date of conversion.
Does the project contain any multi-dwelling units? 0 Yes F1 No Data Source
Are the units,common elements and recreation faclGties complete? Yes M No If No describe the status of completion.
Are the common elements leased to or by the Homeowners'Association? Yes El No If Yes describe the rental terms and options.
Describe common elements and recreational facilities.
Freddie Mac Form 70 March 2005 Page 3 of 6 Fannie Mae Form 1004 March 2005
Foran 1004—'WinTOTAL"appraisal software by a la mode,Inc.—1.800-ALAMODE
McBride
Uniform Residential Appraisal Report File#R00088
This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit;
including a unit in a planned unit development (PUD). This report form is not designed to report an appraisal of a
manufactured home or a unit in a condominium or cooperative project.
This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value,
statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended
use, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may
expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal
assignment. Modifications or deletions to the certifications are also not permitted. However, additional certifications that do
not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser's
continuing education or membership in an appraisal organization, are permitted.
SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the
reporting requirements of this appraisal report form, including the following definition of market value, statement of
assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) perform a complete visual
inspection of the interior and exterior areas of the subject property, (2) inspect the neighborhood, (3) inspect each of the
comparable sales from at least the street, (4) research, verify, and analyze data from reliable public and/or private sources,
and (5) report his or her analysis, opinions, and conclusions in this appraisal report.
INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the
subject of this appraisal for a mortgage finance transaction.
INTENDED USER: The intended user of this appraisal report is the lender/client.
DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open
market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming
the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and
the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both
parties are well informed or well advised, and each acting in what he or she considers his or her own best interest; (3) a
reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in terms
of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold
unaffected by special or creative financing or sales concessions* granted by anyone associated with the sale.
*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are
necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are
readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing
adjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional
lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical
dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's
reaction to the financing or concessions based on the appraiser's judgment.
STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this report is
subject to the following assumptions and limiting conditions:
1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title
to it, except for information that he or she became aware of during the research involved in performing this appraisal. The
appraiser assumes that the title is good and marketable and will not render any opinions about the title.
2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements.
The sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination
of its size.
3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency
(or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an
identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or
implied, regarding this determination.
4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question,
unless specific arrangements to do so have been made beforehand, or as otherwise required by law.
5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the
presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or
she became aware of during the research involved in performing the appraisal. Unless otherwise stated in this appraisal
report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the
property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances,
adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such
conditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any such
conditions that do exist or for any engineering or'testing that might be required to discover whether such conditions exist.
Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered as
an environmental assessment of the property.
6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory
completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property will
be performed in a professional manner.
Freddie Mac Form 70 March 2005 Page 4 of 6 Fannie Mae Form 1004 March 2005
Form 1004—"1MnTOTAL'appraisal software by a la mode,Inc.—1.800-ALAMODE
McBride
Uniform Residential Appraisal Report File#R00088
APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that:
1. 1 have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in
this appraisal report.
2. 1 performed a complete visual inspection of the interior and exterior areas of the subject property. I reported the condition
of the improvements In factual, specific terms. I identified and reported the physical deficiencies that could affect the
livability, soundness, or structural integrity of the property.
3. 1 performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal
Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in
place at the time this appraisal report was prepared.
4. 1 developed my opinion of the market value of the real property that is the subject of this report based on the sales
comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach
for this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop
them, unless otherwise indicated in this report.
5. 1 researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for
sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject
property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report.
6. 1 researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior
to the date of sale of the comparable sale, unless otherwise indicated in this report.
7. 1 selected and used comparable sales that are locationally,physically,and functionally the most similar to the subject property.
8. 1 have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that
has been built or will be built on the land.
9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject
property and the comparable sales.
10. 1 verified,from a disinterested source,all information in this report that was provided by parties who have a financial interest in
the sale or financing of the subject property.
11. 1 have knowledge and experience in appraising this type of property in this market area.
12. 1 am aware of,and have access to,the necessary and appropriate public and private data sources, such as multiple listing
services, tax assessment records, public land records and other such data sources for the area in which the property is located.
13. 1 obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from
reliable sources that I believe to be true and correct.
14. 1 have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject
property, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I
have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration,the
presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the
subject property or that I became aware of during the research involved in performing this appraisal. I have considered these
adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and
marketability of the subject property.
15. 1 have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all
statements and information in this appraisal report are true and correct.
16. 1 stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which
are subject only to the assumptions and limiting conditions in this appraisal report.
17. 1 have no present or prospective interest in the property that is the subject of this report, and I have no present or
prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or
completely, my analysis and/or opinion of market value in this appraisal report on the race, color, religion, sex, age, marital
status, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the
present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law.
18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not
conditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting) a
predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of
any party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending
mortgage loan application).
19. 1 personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I
relied on significant real property appraisal assistance from any individual or individuals in the performance of this appraisal
or the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in this
appraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make
a change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no
responsibility for it.
20. 1 identified the tender/client in this appraisal report who is the individual, organization, or agent for the organization that
ordered and will receive this appraisal report.
Freddie Mac Form 70 March 2005 Page 5 of 6 Fannie Mae Form 1004 March 2005
Form 1004—"WinTOTAL"appraisal software by a la mode,Inc.—1-800-ALAMODE
McBride
Uniform Residential Appraisal Report File#R00088
21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the
borrower; the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other
secondary market participants; data collection or reporting services; professional appraisal organizations; any department,
agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to
obtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisal
report may be disclosed or distributed to any other party(including, but not limited to, the public through advertising, public
relations, news, sales, or other media).
22. 1 am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain
laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice
that pertain to disclosure or distribution by me.
23. The borrower, another lender at the request of the borrower,the mortgagee or its successors and assigns, mortgage
insurers, government sponsored enterprises, and other secondary market participants may rely on this appraisal report as part
of any mortgage finance transaction that involves any one or more of these parties.
24. If this appraisal report was transmitted as an "electronic record" containing my"electronic signature," as those terms are
defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this
appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and
valid as if a paper version of this appraisal report were delivered containing my original hand written signature.
25. Any intentional or negligent misrepresentations) contained in this appraisal report may result in civil liability and/or
criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States
Code, Section 1001, et seq., or similar state laws.
SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that:
1. 1 directly supervised the appraiser for this appraisal assignment,have read the appraisal report,and agree with the appraiser's
analysis, opinions, statements, conclusions, and the appraiser's certification.
2. 1 accept full responsibility for the contents of this appraisal report including,but not limited to,the appraiser's analysis,opinions,
statements, conclusions, and the appraiser's certification.
3. The appraiser identified in this appraisal report is either a sub-contractor or an employee of the supervisory appraiser(or the
appraisal firm), is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable state law.
4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and
promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal
report was prepared.
5. If this appraisal report was transmitted as an "electronic record" containing my"electronic signature," as those terms are
defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this
appraisal report containing a copy or representation of my signature,the appraisal report shall be as effective, enforceable and
valid as if a paper version of this appraisal report were delivered containing my original hand written signature.
APPRAISER rge R.Ulsh/� SUPERVISORY APPRAISER(ONLY IF REQUIRED)
SignaturSignature
Name eor e R Ulsh State Cert Res Real Estate Appraiser Name
Company Name GR Appraisal Associates,LLC Company Name
Company Address 845 Sir Thomas CourtSuite 9,Harrisburg,PA Company Address
17109
Telephone Number (717)412-4211 Telephone Number
Email Address rulshCcDcomcast.net Email Address
Date of Signature and Report 02/07/2015 Date of Signature
Effective Date of Appraisal 02/03/2015 State Certification#
State Certification# RL000409L or State License#
or State License# State
or Other(describe) State# Expiration Date of Certification or License
State PA
Expiration Date of Certification or License 06/30/2015 SUBJECT PROPERTY
ADDRESS OF PROPERTY APPRAISED ❑ Did not inspect subject property
945 S Humer St ❑ Did inspect exterior of subject property from street
Enola,PA 17025 Date of Inspection
APPRAISED VALUE OF SUBJECT PROPERTY$ 140.000 ❑ Did inspect interior and exterior of subject property
LENDER/CLIENT Date of Inspection
Name COMPARABLE SALES
Company Name Client:StephenJMcBrideEstatec/oRDouglas Good
Company Address 132 West Main Street,New Holland,PA 17602 ❑ Did not inspect exterior of comparable sales from street
❑ Did inspect exterior of comparable sales from street
Email Address Date of Inspection
Freddie Mac Form 70 March 2005 Page 6 of 6 Fannie Mae Form 1004 March 2005
Farm 1004—"WinTOTAL'appraisal software by a la mode,inc.—1.800•ALAMODE
Supplemental Addendum file NO.R00088
Borrower Client Client:Stephen J McBride Estate Go R Douglas Good
Property Address 945 S Humer St
CRY Enola County Cumberland State PA Zip Code 17025
Lender Client:Ste henJMCBddeEstatec/oRDou las Good
COST AND INCOME APPROACH COMMENTS
The Cost Approach to Value for homes with an age greater then a maximum of 5 years,the lack of available verifiable land
sales or having good available closed sales for comparison to the subject creates a condition that causes the Cost Approach to
Value to be considered inappropriate for use in this appraisal report.This is based on the fact that a cost analysis for a subject
property is generally subjective,based on the appraiser estimate of depreciation,cost manuals general analysis for an area,
subjective statements from area contractors.The general analysis of all supports the statement that this generally leads to the
Inaccuracy of the Cost Approach to Values and leads the client to improper conclusions.For this reason,although considered,
The Cost Approach to Value is inappropriate for use in this appraisal report.
The Income Approach to Value is considered inappropriate for use in this appraisal report.This is based on the fact that a
typical purchaser for the subject property has an interest in the purchase for their primary residence opposed to the concern of
the value generated,through investment,from the possible income produced value.In addition,the verifable information
available is not a matter of public record and accuracy is at best considered limited in nature.For this reason,although
considered,the Income Approach to Value is considered inappropriate for use in this appraisal report.
Neighborhood-Description
The subject is located in a residential neighborhood.Major routes of travel are located within a reasonable distance of the
subject. Employment for the area is rated as good.Major employers in the area include large manufacturing companies,local
government facilities and many smaller service companies.The subject neighborhood is in a primarily stable phase of its'life
cycle with properties in the neighborhood having good appeal with proof of regular maintenance.Supply and demand appears
in balance.Property values are primarily stable with minor seasonal increase/decease.Buyer demand appears typical for this
time of year in the neighborhood and is supported by continued low interest rates.Multi-use and commercial service properties
are typical of the neighborhood and support residential use.Buffer areas appear adequate and no adverse affects on value or
marketability of the subject are indicated from their presence.Vacant ground exist primarily for residential development.
Information is supported through Cumberland County Public Record and Central Penn Multi-list system.
Neighborhood-Market Conditions
There are no foreseeable economic trends which might significantly influence market conditions in this area. The current
mortgage market offers a wide variety of conventional loans with competitive rates. As a result, the terms of financing have
little,if any,impact on sales prices. If Interest rates remain reasonable,property values and marketablility,should be good.
Current supply and demand are in balance, Marketing time is typically 90-180 days for reasonably priced properties. Interest
rates are ranging from 3%to 6%with 0-6 points typically being paid for origination or discount.Seller concessions,although
evident,are not typical of all transactions.
APPRAISAL COMMENTS
The appraiser has NO current or prospective interest in the subject property or parties involved;and has NOT completed any
services regarding the subject property within the three year period immediately preceding acceptance of the assignment,as an
appraiser or in any other capacity.
It is noted that the subject property has a private water and sewage system.This is common in the subject area and no adverse
conditions are Indicated on the subject value or marketability for this condition.Pubic water and sewage are not available in the
subject immediate market area.
Public record GLA is reported as 2688 square feet.Appraisers hand measurement of the subject revealed 1358 square feet..
Appraiser considers the hand measurement as the most accurate information available.The appraiser is not responsible for
public record reporting technique or content.The information is not developed for the tender/client use and has no obligation for
their accuracy.
Form TADD—WnTOTAL°appraisal software by a la mode,Inc.—1.800-ALAMODE
Borrower Cfient Client:Stephen J McBride Estate c/o R Douglas Good Poe No.R00088
Property Address 945 S Humer St
city Enola County Cumberland State PA Zp Code 17025
Lender Client:Ste henJMcBddeEstatec/oRDou las Good
APPRAISAL AND REPORT IDENTIFICATION
This Report is om of the following types:
®Appraisal Report (A written report prepared under Standards Rule 2.2(a) ,pursuant to the Scope of Work,as disclosed elsewhere in this report.)
❑Restricted (A written report prepared under Standards Rule 2-2(b) ,pursuant to the Scope of Work,as disclosed elsewhere In this report,
Appraisal Report restricted to the stated Intended use by the specified client or Intended user.)
Comments on Standards Rule 2-3
1 certify that,to the best of my knowledge and belief:
—The statements of fact contained in this report are true and correct.
—The reported analyses,opinions,and conclusions are limited only by the reported assumptions and limiting conditions and are my personal,impartial,and unbiased professional
analyses,opinions,and conclusions.
—Unless otherwise indicated,I have no present or prospective interest in the property that Is the subject of this report and no personal interest with respect to the parties involved.
—Unless otherwise indicated,I have performed no services,as an appraiser or in any other capacity,regarding the property that is the subject of this report within the three-year
period immediately preceding acceptance of this assignment.
—I have no blas wit)respect to the property that is the subject of this report or the parties Involved with this assignment.
—My engagement in this assignment was not contingent upon developing or reporting predetermined results.
—My compensation for completing this assignment is not contingent upon the development or reporting of a predetermined value or direction in value that favors the cause of the
client,the amount of the value opinion,the attainment of a stipulated result,or the occurrence of a subsequent event directly related to the intended use of this appraisal.
—My analyses,opinions,and conclusions were developed,and this report has been prepared,in conformity with the Uniform Standards of Professional Appraisal Practice that were
in effect at the time this report was prepared.
—Unless otherwise indicated,I have made a personal inspection of the property that is the subject of this report.
—Unless otherwise Indicated,no one provided significant real property appraisal assistance to the person(s)signing this certification(d there are exceptions,the name of each
individual providing significant real property appraisal assistance is stated elsewhere in this report).
Reasonable Exposure Time (USPAP defines Exposure Time as the estimated length of time that the property interest being
appraised would have been offered on the market prior to the hypothetical consummation of a sale at market value on the effective date of the appraisal.)
My Opinion of Reasonable Exposure Time for the subject property at the market value stated in this report is: 90 to 180 days
This figure may vary depending how aggressively the subject is marketed.The reasonable exposure time is for a moderate level of marketing.
Comments on Appraisal and Report Identification
Note any USPAP-related Issues requiring disclosure and any state mandated requirements:
APPRAISER: SUPERVISORY or CO-APPRAISER(if applicable):
;4Signature: I Signature:
Name: GeorAe R Ulsh tate Cert Res Real Estate Appraiser Name:
State Certification#: RL000409L State Certification#:
or State Ucense#: or State License#:
State: PA Expiration Date of Certification or Ucense: 06/30/2015 State: _ Expiration Date of Certification or Ucense:
Date of Signature and Report: 02/07/2015 Date of Signature:
Effective Dale of Appraisal: 02/03/2015
Inspection of Subject: ❑ None Intedor and Exterior bderlw-Only inspection of Subject: ❑ None ❑ Interior and Exterior ❑ Exledor-Only
Date of Inspection(ff applicable): 02/03/2015 Date of Inspection(if applicable):
Form IDI 4E—"MnTOTAI'appraisal software by a la mode,Inc.—1.800-ALAMODE
Appraisers 2013-2015 Certification
Borrower/Client Client:Stephen J McBride Estate c/o R Douglas Good
Properly Address 945 S Humer St
City Enola COUnty Cumberland State PA Zip Code 17025
Lender Client:Ste henJMcBddeEstatec/oRDou las Good
Commonwealth 6t.PennsVl-vana: 12 0119 80
L)Ppr�ptieot,gUS ate
Burehu of PrgPes I la plc rtu atibnai Affairs:
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Initial Certirkattpnl�ate
10]1'!11891
GEORGE RANDALL OLSH CerttfiCote
MP19TH01WASCOURT SUITES Numib&
HARRISBURG 0A MOO
RL000409L Expiration DSfe rl;
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Form MARPLAT—VinTOTAL'appraisal software by a la mode,Inc.—1-800-ALAMODE
Subject Photo Page
Boamver/Client Client:Stephen J McBride Estate c/o R Douglas Good
Property Address 945 S Humer St
City Enola County Cumberland State PA Ap Code 17025
Lender Client:StephenJMcBrideEstatec/oRDouglas Good
Subject Front
945 S Humer St
Sales Price
Gross Living Area 1,358
Total Rooms 6
Total Bedrooms 3
Total Bathrooms 1.0
Location Suburban
Yew Suburban
Site 1.6 acres
Quality Average
Age 40 Yrs Est
c
Subject Rear
INV
a
Subject Street
Form PICPD(.SR—WnTOTAL'appraisal software by a la mode,Inc.—1-800-ALAMODE
Subject Photo Page
Borrower Client Client:Stephen J McBride Estate c/o R Douglas Good
ProAddress 945 S Humer St
city Enola County Cumberland State PA Zip Code 17025
Lender ClientSte henJMCBrideEstatec/ORDou las Good
Subject Front
945 S Humer St
Sales Price
Gross Living Area 1,358
Total Rooms 6
Total Bedrooms 3
< _ r° Total Bathrooms 1.0
Location Suburban
r ` View Suburban
Site 1.6 acres
Ouality Average
Age 40 Yrs Est
fi Subject Rear
x �
777 ^
y� l'r' Subject Street
I
Form PICPD(.SR—VInTGTAL'appraisal software by a la mode,Inc.—1-800-ALAMODE
Subject Photo Page
Borrower Tient Client:Stephen J McBride Estate C/o R Do las Good
Property Address 945 S Humer St
city Enola County Cumberland State PA ZiCode 17025
Lender Client:StephenJMcBddeEstatec/oRDouglas Good
2 Car Garage
945 S Humer St
Sales Price
Gross Living Area 1,358
Total Rooms 6
f Total Bedrooms 3
Total Bathrooms 1.0
Location Suburban
h' View Suburban
Site 1.6 acres
Quality Average
Age 40 Yrs Est
iEnclosed Porch
. I
Interior
J
Form PICPIX.SR—VInTOTAL"appraisal software by a la mode,Inc.—1-800•ALAMODE
Subject Photo Page
Borrower Client Client:Stephen J McBride Estate c/o R Douglas Good
Property Address 945 S Hunner St
City Enola County Cumberland State PA Ir Cade 17025
Lender Client:Ste henJMcBddeEstatec/oRDou las Good
Kitchen
945 S Hunner St
Sales Price
Gross living Area 1,358
Total Rooms 6
Total Bedroorns 3
Total Bathrooms 1.0
Location Suburban
View Suburban
Site 1.6 acres
Quality Average
Age 40 Yrs Est
I
Bath
Interior
Form PICPD(.SR—"ftTOTAV appraisal software by a la mode,Inc.—1-800-ALAMODE
Subject Photo Page
Borrower lied Client:Stephen J McBride Estate Go R Douglas Good
Pfopeq Address 945 S Humer St
City Enola County Cumberland State PA Ap Code 17025
Lender Client:StaphenJMcBhdeEstatecJoRDouglas Good
Basement Finish
945 S Humer St
Sales Price
Gross Living Area 1,358
Total Rooms 6
Total Bedrooms 3
Total Bathrooms 1.0
Location Suburban
View Suburban
Site 1.6 acres
Duality Average
Age 40 Yrs Est
Basement .1 Bath
Interior
'r
a
Form PICPD(.SR—'W6tTOTAV aWalsal software by a to mode,Inc.—1.800-At AMODE
Subject Photo Page
Borrower/Crient Client:Stephen J McBride Estate Go R Douglas Good
ProperlyAddress 945 S Humer St
City Enola County Cumberland State PA ZiCode 17025
Lender Client:Ste henJMcBrideEstatec/oRDou las Good
Interior
945 S Humer St
Sales Price
Gross Living Area 1,358
Total Rooms 6
' Total Bedrooms 3
Total Bathrooms 1.0
Location Suburban
View Suburban
Site 1.6 acres
Quality Average
Age 40 Yrs Est
form PICPD(.SR-'WinTOTAL°appralsal software by a la mode,Inc.—1-800-ALAMODE
Comparable Photo Page
Borrower llent Client:Stephen J McBride Estate c/o R.Douglas Good
Property Address 945 S Humer St
city Enola Coun Cumberland State PA ZI Code 17025
Lender Client:StephenJMcBddeEstatectoRDouglas Good
Comparable i
353 Raymond Rd
K
'. Prox.toSubject 1.98miles N
Sales Price 125,000
{ •
Gross Mg Area 1,300
t�
Total Rooms 6
• - 3 ICS z Total Bedrooms 3
Total Bathrooms 1.0
Location Suburban
View Suburban
Site 21 ac
"+
Duality Average
Age 41 Yrs Est
Comparable 2
10 Pennsboro Dr
Prox.to Subject 2.05 miles NW
� Sales Price 174,500
Gross LMng Area 1,400
Total Rooms 6
?_ Total Bedrooms 3
Total Bathrooms
li f Location Suburban
VIeW Suburban
Site .23 ac
-� •.
Quality Average
" Age 47 Yrs Est
Comparable 3
5 Laurel Dr
y Prat,to Subject 2.09 miles NW
Sales Price 126,000
r Gross Luting Area 1,036
Total Rooms 6
Total Bedrooms 3
q Total Bathrooms 2.0
{7Kf Ir; 7 Location Suburban
U its e w, View Suburban
° Site .27 ac
Duality Average
Age 41 Yrs Est
Form PiCPD(.CR—'1MnTOTA1 appraLsai software by a fa moria,ksc.—1.804-ALAMODE
Building Sketch
Borrower/Client Client:Stephen J McBride Estate Go R Douglas Good
Properly Address 945 S Humer St
City Enola County Cumberland State PA ZiCode 17025
Lender Client:Ste henJMCBddeEStatec/ORDou las Good
4e.s' 4e.s'
peck 24' Paeo
48.5' 48.5'
Bat
Bedroom Kitchen DI.Area
2 CAr Garage wit Smrape -
End Porch= 8—Ana
UOrg Room b
Bedroom Bedroom
tr 24' -
48.5' Porch
48.5'
TOM Sk-h Ma h moa..Inc. Area Calculations Summary
-,� C! s�''�r...': � :�iik �. w: n '�'r: :. ad12-"P�a.,w.'I" ,n.�:d.alcu a�gn Cgta Is,'i.. . . may`.,.«,`s"•.;mr:F,s,.,
first Floor 1358 Sq ft 28 x 48.5= 1358
Total Living Area(Rounded) 1358 Sq ft
on-v n lea; `'� Y..- I. �uvy: ..�'�.7.eL__.�.nr,,,'i,` r* .....:'fir -�'x
Basement 1358 Sq ft 28 x 48.5 1358
Porch 242.5 Sq it 48.5 x 5 =242.5
Deck 582 Sq it 48.5 x 12= 582
End Porch 240 Sq it 20 x 12 = 240
Pati 582 Sq ft 48.5 x 12= 582
2 Car Garage w/Storage 696 Sq ft 29 x 24 = 696
Form SKT.BIdSkl—'WinTOTAL"appraisal software by a la mode,Inc.—1.800-ALAMODE
Building Sketch
Borrower/Client Client:Stephen J McBride Estate c/o R Douglas Good
Propeo Address 945 S Hunner St
CIIy Enola County Cumberland State PA L Code 17025
Lender Client:Ste henJMcBddeEstateGoRDou las Good
��._,..� '�"..��=E�;�.�� s ".:.:sa.,.�„�..,_ •,,..4, ., .�;.�:., :u..�:r�.l-:.,,,,.'=1:.�..s,,�:_a., w max_. .,..a ',�..-ix .:��".;+a
First Floor - 1358 54 It
Total Living Area(Rounded): 1358 Sq R
Non- ng Area,-"". 71.
Basement 1358 Sq ft
Porch 242.5 Sq it
Deck 582 Sq k
Enc[Porch 240 Sq k
Patio 582 Sq k
2 Car Garage w/Storage 696 Sq k
Form SKT.BldSkl—'WInTOTAV appralsal software by a la mode,Inc.—1-800-ALAMODE
R
329A South Main Street
Doylestown,PA 18901 Group
215-340-2360 Reiner Financial
t .
Mell[ W
To: R.Douglas Good
From: Karen Bernard
CC: William Reiner, CFP, ChFC
Date: February 19, 2015 �,.
Re: Estate of Stephen McBride
Please find enclosed statements reflecting date of death values for Mr. McBride's accounts.
Further I have included year end statements for all accounts reflecting dividends and income.
No loans exist nor were there loans at anytime.
Should you require any additional information, please contact us.
Registered Representative,Securities offered through Cambridge Investment Research.,A broker/Dealer,Member FINRA/S1PC and Investment Advisor
Representative,Cambridge Investment Research Advisors,Inc.,a registered Investment Advisor.Reiner Financial Group,LLC and Cambridge are not
affiliated. The information in this email is confidential and is intended solely for the addressee. It may contain information that is privileged,confid,-ntial,
and exempt from disclosure under applicable law. Further,any dissemination,distribution,or copying of this email communication is strictly prohibited. If
you are not the intended addressee and have received this email in error,please reply to the sender to inform them and delete the original without making a
copy.
1
1776 PtPlain Raid �roke g
CAM B R I D E Fairfield,,IA 5 IA 52556
! INVESTMENT RESEARCH, INC. 641-472-5100
dea04 Me,f statement
Account Number:5CR-583971
Statement Period: 12/01/2014-12/31/2014
Valuation at a Glance Tis Period
STEPHEN J MC$RIDE Beginning Account Value $21,985.58
945 S HUMER ST Adjusted Previous Account Value 21,985.58
ENOLA PA 17025-2926 Dividends,Interest and Other Income 62.97
Net Other Activity -1.50
Net Chane in Portfolio 107.54
Account Value $22,154.59�
Your Financial Advisor Is:
WILLIAM REINER
(215)340-2350
Asset Allocation last Period This Period %Allocation
Mutual Funds 21,988.58 22,159.09 100% Please review your allocation
Cash,Money Funds,and Bank Deposits -3.00 -4.50 0% Your Account is 100%invested in Mutual Funds.
Account Total $21,985.58 $22,154.59 100% pie Chart allocation only includes products that are of positive value.
Page 1 of 9
Rntad Ext.Mlerrt Glwwrq mr«gn R.Mxp I.tC.-rn.blH a-+.�e..v...rawr
PAR-02-ROLL 80108900CSF30046 Go paperless Eery veer Since 2007 or'Trw e.n+e ar we.+row wb..onmw+eat�w+r+.+„)
ASK ABOUTE-OELIVE0.V .w--,-,. DALBAR RATED COMMUNICATIONS P.—,4.C,mmc�rFNitA.en'SE.u^mG
EXCELLENCE
Additional Information
Description This Period
Securities Bought and Sold -$62.97
Client Service Information
Your Financial Advisor Is: PLK Contact Information
WILLIAM REINER Telephone Number: (215)340-2360
REINER FINANCIAL GROUP Fax Number: (215)340-2361
329A S MAIN ST
DOYLESTOWN PA 18901-1031
Your Account Information
Tax Lot Default Disposition Method
Default Method for Mutual Funds:FIRST IN FIRST OUT
Default Method for Stocks in a Dividend Reinvestment Plan:FIRST IN FIRST OUT
Default Method for all Other Securities:FIRST IN FIRST OUT
Bond Amortization Elections:
Treat all interest as original issue discount(OID):No
Amortize premium on taxable bonds based on Constant Yield Method:Yes
Accrual market discount method for all other bond types:Ratable Method
Include market discount in income annually:No
Electronic Delivery
You have not selected any account communications for electronic delivery.To register and tum off paper communications,log in to your account or contact your Financial Advisor for more information.
Portfolio Holdings
Account Activity Opening Closing Accrued Income 30-Day Current
Opening Date Quantity Number Ending Balance Balance Income This Year Yield Yield
Cash, Money Funds,and Bank Deposits o.00%of Portfolio
Cash Balance -3.00 -4.50
Total Cash, Money Funds,and Bank Deposits -$3.00 -$4.50 $0.00 $0.00
Page 2 of 9
Account Number:5CR-583971 /� J``M�� R�tnA ExcellnM C mri q m e qn amnina.• a n euy ow as a me eby
B0106900CSF30046 pqR-02-ROLL W. a IQ55 -Every Ycar Sirice2007 as.,w.otww vo,.uww..ce.aoaee„Iwwv w.neo�
STEPHEN IMCBRIDE ASK Y DALBARRATEDCOMMUNICATIONS ftR W
EXCELLENCE
I7a7 n ReadCAVBRIDGE Fifidd.1A 52556 Affix ejoge
INVESTMENT RESEARCH, INC. 641472-5100
Accorrrl� �►�a1ement
Statement Period:12/01/2014-12/31/2014
Portfolio Holdings (conr/naed>
Unrealized Estimated Estimated
Date Acquired Quantity Unit Cost Cost Basis Market Price Market Value Gain/loss Annual Income Yield
Mutual Funds 100.00%of Portfolio
DELAWARE TAX FREE PENNSYLVANIA FD CL A Security Identifier:DELIX
Open End Fund CUSIP:233216100
Dividend Option:Reinvest;Capital Gains Option:Reinvest
02116/12 2,421.308 8.2620 20,004.25 8.2300 19,927.36 -76.89 700.19 3.51%
Reinvestments to 271.170 8.1020 2,196.96 8.2300 2,231.73 34.77 78.42 3.51%
Date
Total Covered 2,692.478 22 201.21 22,159.09 -42.12 778.61
..................................................................
a..... ..........................................................— -.........................-:.........--------....,.................---....,....•-----....................................----
Total-----��-����-�---���-���� 2,692.478 $22,201.21 $22,159.09 -542.12 5778.61
Total Mutual Funds $22,201.21 $22,159.09 -$42.12 $778.61
Unrealized Accrued Estimated
Cost Basis Market Value Gain/Loss Interest Annual Income
Total Portfolio Holdings $22,196.71 $22,154.59 442.12 $0.00 $778.61
Securities acquired before 2011 are generally not subject to the new cost basis reporting rules set forth in the Internal Revenue Code of 1986,as amended("IRC' (incorporating amendments enacted by
P.L.110-343,the Emergency Economic Stabilization Act of 2008)and are,therefore,considered"noncovered,"under the new cost basis reporting rules,and marked or denoted as such. All other securities in
this section are securities which are"covered"under the new cost basis reporting rules.Securities which are"covered"under the new cost basis reporting rules are defined as securities which have been acquired
on or after their"applicable date(s)"at which they are subject to the cost basis reporting rules and the adjusted basis will be reported to the IRS on form 1099-B for the applicable tax year in which the security is
disposed.
Reporting requirements generally will be phased in over a three-year period,as follows:
• Stock in a corporation acquired on or after January 1,2011
• Mutual funds and dividend reinvestment plan(DRP)shares acquired on or after January 1,2012
• Other securities,principally debt securities and options,acquired on or after January 1,2014,or later,as determined by the Secretary of the Treasury.
Portfolio Holdings Disclosures
Pricing
This section includes the net market value of the securities in your account on a settlement date basis,including short positions,at the close of the statement period.The market prices,unless otherwise noted,
have been obtained from independent vendor services,which we believe to be reliable. Market prices do not constitute a bid or an offer,and may differ from the actual sale price.Securities for which a price is
not available are marked"N/A"and are omitted from the Total.
THE AS OF PRICE DATE ONLY APPEARS WHEN THE PRICE DATE DOES NOT EQUAL THE STATEMENT DATE.
Page 3 of 9
Account Number.5CR-583971R1e4dE C..Mlartt ,„.«,^�.a.,,�-.�,°,—..�--
B0109900CSF30046
PAR-02-ROLL Go paperless EV-ry Year Si-2007 +**-a-.+ca.+«va+M.am o,.t • Mawr Mw^"7
STEPHEN 1 MCBRIDE ASK ABOUT f-DELIVERY .. DALB ERA EO COMMUNICATIONS ft—r ^g" '+" '^s
Portfolio Holdings Disclosures (continued)
Estimated Annual Figures
The estimated annual income(EAI)and estimated annual yield(EAY)figures are estimates and for informational purposes only.These figures are not considered to be a forecast or guarantee of future results.
These figures are computed using information from providers believed to be reliable;however,no assurance can be made as to the accuracy.Since interest and dividend rates are subject to change at any time,
and may be affected by current and future economic,political,and business conditions,they should not be relied on for making investment,trading,or tax decisions.These figures assume that the position
quantities,interest and dividend rates,and prices remaimconstant.A capital gain or return of principal may be included in the figures for certain securities,thereby overstating them.Refer to -
www.pershing.com/business_continui y.html for specific details as to formulas used to calculate the figures.Accrued interest represents interest earned but not yet received.
Reinvestment
The dollar amount of Mutual Fund distributions,Money Market Fund dividend income,Bank Deposit interest income,or dividends for other securities shown on your statement may have been reinvested.You will
not receive confirmation of these reinvestments.Upon written request to your financial institution,information pertaining to these transactions,including the time of execution and the name of the person from
whom your security was purchased,may be obtained.In dividend reinvestment transactions,Pershing acts as your agent and receives payment for order flow.
Option Disclosure
Information with respect to commissions and other charges incurred in connection with the execution of option transactions has been included in confirmations previously furnished to you. A summary of this
information is available to you promptly upon your written request directed to your introducing firm. In order to assist your introducing firm in maintaining current background and financial information concerning
your option accounts,please promptly advise them in writing of any material change in your investment objectives or financial situation. Expiring options which are valuable are exercised automatically pursuant
to the exercise by exception procedure of the Options Clearing Corporation.Additional information regarding this procedure is available upon written request to your introducing firm.
Foreign Currency Transactions
Pershing may execute foreign currency transactions as principal for your account. Pershing may automatically convert foreign currency to or from U.S.dollars for dividends and similar corporate action
transactions unless you instruct your financial organization otherwise. Pershing's currency conversion rate will not exceed the highest interbank conversion rate identified from customary banking sources on the
conversion date or the prior business day,increased by up to 1%,unless a particular rate is required by applicable law. Your financial organization may also increase the currency conversion rate. This
conversion rate may differ from rates in effect on the date you executed a transaction,incurred a charge,or received a credit. Transactions converted by agents(such as depositories)will be billed at the rates
such agents use.
Proxy Vote
Securities not fully paid for in your margin account may be lent by Pershing to itself or others in accordance with the terms outlined in the Margin Agreement.The right to vote your shares held on margin may be
reduced by the amount of shares on loan.The Proxy Voting Instruction Form sent to you may reflect a smaller number of shares entitled to vote than the number of shares in your margin account.
Income and Expense Summary Current Period Year-to-Date
Taxable Non Taxable Taxable Non Taxable
Dividend Income
Other Dividends 0.00 62.97 0.00 763.80
Total Dividends,Interest,Income and Expenses $0.00 $62.97 $0.00 $763.80
I
Page 4 of 9
Account Number.5CR-583971 /-� Rnt6N'F cwllrni C«*vth.wpe.ve,.nma .,,,,,,ya, d,,es ,ry
B0108900CSF30046 PAR-02-ROLL Vo paperless Every Yv—SI cs2007
STEPHEN J MCBRIDE ASKABODALSAR
RATEDCOMMUNICATIONSPee-wU4 ,nsnWrFlR/NY$[,SPC ;
CAMBRIDGE Fai,fiPleasant Plain
INVESTMENT,RESEARCH, INC. 641472-5100 Brolrepag►e
ACC0I1/1t State eat
Statement Period:12/01/2014-12/31/2014
Activity Summary(All amounts shown are in base currency)
Credits This Period Year-to-Date Debits This Period Year-to-Date
Securities Securities
Securities Bought 0.00 0.00 Securities Bought -62.97 -763.80
Total Securities $0.00 $0.00 Total Securities -$62.97 -$763.80
Dividends and Interest $62.97 $763.80 Dividends and Interest $0.00 $0.00
Fees $0.00 $0.00 Fees -$1.50 -$23.50
Cash Cash
Deposits 0.00 23.50 Deposits 0.00 0.00
Total Cash $0.00 $23.50 Total Cash $0.00 $0.00
Total Credits $62.97 $787.30 Total Debits -$64.47 -$787.30
Transactions in Date Sequence
Process/
Settlement
Date Activity Type Description Quantity Price "Accrued Interest Amount Currency
12/10/14 PAPER SURCHARGE- Statement Paper Surcharge IBD:5CR OFF:5CR IP:PLK -0.75 USD
STATEMENTS SEPT 2014 STMT FEE
USD999997
12/10/14 PAPER SURCHARGE- Statement Paper Surcharge IBD:5CR OFF:5CR IP:PLK -0.75 USD
STATEMENTS NOV 2014 STMT FEE
USD999997 ,
12/23/14 NON-TAXABLE DISTRIBUTION DELAWARE TAX FREE PENNSYLVANIA FD CL A FOR 62.97 USD
RECEIVED ACCRUAL PERIOD ENDING 12/22/14
DELIX
12/23/14 REINVEST CASH INCOME DELAWARE TAX FREE PENNSYLVANIA FD CL A SHRS 7.670 -62.97 USD
DELIX PURCH.AT$8.21000 FOR ACCRUAL PERIOD ENDING
12/22/14
Total Value of Transactions $0.00 -$1.50 USD.
j The price and quantky displayc.1 9 my have been rounded..
Messages
Although a money market mutual fund seeks to preserve the value of your investment at$1 per share,it is possible to lose money by investing in a money market mutual fund.Shares of a money
market mutual fund or the balance of a bank deposit product held in your brokerage account may be liquidated upon request with the proceeds credited to your brokerage account.Please see the
Page 5 of 9
Account Number:5CR-583971 Ra}adEacn11-,& ca- pen. nPcsm.,p
PAR-02-ROLL ctC..eo.re ee.m.w.,
B0108900CSF30046 Go paperless Eery Year Si-2007 wtna e.,rwrr+.vu...rne..e-ww+fw+<ewr r++W
STEPHEN 1 MCBRIDE ASK ABOUT e-oCLavoiY _ OALBARRATED COMMUNICATIONS ft-pLLe as a E�sac
IXCELLENCE
Messages (continued)
money market mutual fund's prospectus or the bank deposit product's disclosure document or contact your advisor for additional information.
Please note the following information for Pershing's 1014 IRS Forms 1099(8,DIV,INT,OID and MISC): Your form 1099 will be delivered as early as possible,beginning January 31,2015.By February 17,you
will receive either your 1099 form ora special Pending 1099 Notice.The Pending 1099 Notice will be sent if issuers of securities you hold have not yet provided their final tax information.It will inform you of the
securities1hat are pending-final reporting,.and•w'ill provide the anticipated mail date of your 1099 form.Your 1099 will be mailed no!ater than March 16,2015.
Pershing's Impartial Lottery Process:Partial Calls
Information about Pershing's impartial lottery process can be found on pershing.com/business_continuity.You may also request a printed copy of this information by calling(888)367-2563,option 3 then option 5.
When a security is subject to a partial redemption,pursuant to FINRA Rule 4340,Pershing must have procedures in place that are designed to treat clients fairly in accordance with an impartial lottery process.
When an issuer initiates a partial call of securities,the depository holding such securities(typically,the Depository Trust Clearing and Corporation,or DTCC)conducts an impartial,computerized lottery using an
incremental random number technique to determine the allocation of called securities to participants for which it holds securities on deposit(including Pershing).Because DTC's lottery is random and impartial,
participants may or may not receive an allocation of securities selected for redemption.
When Pershing is notified that it received an allocation of called securities,Pershing conducts a similar,computer-generated random lottery.The lottery determines the accounts that will be selected and the
number of securities in the account that will be redeemed. Allocations are based on the number of trading units held in the account.The probability of any trading unit held by an account being selected as called
in a partial call is proportional to the total number of trading units held through Pershing.
Once the lottery is complete,Pershing notes introducing broker-dealers whose introduced accounts have received an allocation. Securities registered in the client's name,either in transit or held in custody,are
excluded from the Pershing lottery process.
Pershing initiates the lottery process by identifying the accounts holding the called security,the total par value of the called securities held,and the trading unit of the security.
Example(unit of trade=$25,000):
Client Account Par Value Number of Trading Units
ABC-123234 $100,000 4
DEF-325465 $75,000 3
EDR-567433 $150,000 6
EGT-876574 $50,000 2
EGT-888345 $25,000 1
FRT-435234 $25,000 1
FRT-658797 $75,000 3
In brief,the allocation process involves the following steps:
Page 6 of 9
Account Number:5CR-583971 ���, RatbdEec fI.M C
i`AR-02•ROLL minp}MppICpNHnprawn4yaweUWbbbry
B0108900CSF30046 Paa per - Eve Ye ,:Siri-2007 ama...l,erwrvo.w■w,en eerPe.+ua:iarn r.ne.p
STEPHENIMCBRIDE - oAL&Ak RALTeo COMMUNICATIONS �P-Ift LLC. —Se,SMC
ASK ASOIIT E-DELIVERY '�.._.--- EXCELLENCE
.-mft�CAMBRIDGE 1716 Pleasant Pion Road Brol serape
ti Fairfield,IA 52556
INVESTMENT RESEARCH, INC. 64172-5100
Accozat Statement
Statement Period:12/01/2014-12/31/2014
Messages (continued)
'The number of trading units held in each account is identified.
'A sequential number is assigned to each trading unit(e.g.,account EDR-567433 would be assigned six numbers).
'A random number is generated that will result in one of these trading units being the first unit in the selection process.
'Thereafter,the trading units participating in the allocation are based on an incremental random number technique until the number of trading units allocated to Pershing is exhausted.
Additional Information
The allocation of called securities is not made on a pro-rata basis.Therefore,it is possible that a client may receive a full or partial redemption of shares held.Conversely,it is also possible that a client may not.
have any securities selected for redemption at all.
'When a partial call is deemed favorable to the holders of the called security,Pershing will exclude certain accounts from the lottery.Excluded accounts will include Pershing's proprietary and employee
accounts,as well as proprietary and employee accounts of introducing broker-dealers(if Pershing carries and clears those accounts).No allocation will be made to these proprietary and employee accounts until
all other client positions at Pershing in such securities have been called.When a partial call is deemed unfavorable to holders of the called security,Pershing will not exclude any accounts from the lottery.
If the partial call is made at a price above the current market price as captured in Pershing Js price reporting system,Pershing will generally categorize the partial call as one that is favorable to the holders of
such security.If the partial call is made at a price that is equal to or below the current market price of the security as captured in Pershing's price reporting system,Pershing will generally categorize that call as
one that is unfavorable to holders of the security.
`Clients have the right to withdraw uncalled,fully paid securities from Pershing at any time prior to the cutoff date and time established by the issuer,transfer agent and/or depository with respect to the partial
call. Clients also have the right to withdraw excess margin securities,provided that the client account is not subject to restriction under Regulation T or that such withdrawal will not cause an under-margined
condition.
Important Information and Disclosures
The Role of Pershing
• Pershing carries your account as clearing broker pursuant to a clearing agreement with your financial institution.Pershing may accept from your financial institution without inquiry or investigation(i)orders
for the purchase and sale of securities and other property and(ii)any other instructions concerning your account.Pershing is not responsible or liable for any acts or omissions of your financial institution or
its employees and it does not supervise them..Pershing.provides no investment advice nor does it assess the suitability of any transaction or order.Pershing acts as the agent of your financial institution and
you agree that you will not hold'Pe shine;r any person conG ;,
oiiMg of under .-;i ;.!iih:;ilaJa: :L"', 17df 'u'r3Ltilt loss es In ca., by ycu.
• Pershing performs several key functions at the direction of your financial institution.It acts as custodian for funds and securities you may deposit with it directly or through your financial institution or thai it
receives as the result of securities transactions it processes.
• Your financial institution is responsible for adherence to the securities laws,regulations and rules which apply to it regarding its own operations and the supervision of your account,its sales representatives
and other personnel.Your financial institution is also responsible for approving the opening of accounts and obtaining account documents;the acceptance and,in certain instances,execution of securities
orders;the assessment of the suitability of those transactions,where applicable;the rendering of investment advice;if any,to you and in general,for the ongoing relationship that it has with you.
Page 7 of 9
Account Number:5CR-583971 Rntnd Fscnllnrtt cl--.eo m.e.,ae ce r"LLQ a wloey-r
B0108900CSF30046 Go paperless Every Year Since 2007 �TMw-nt-rn-�ror<r.ea..cnma•�< wn l
PAR-02-ROLL DALBAR RATED COMMUNICATIONS ^-R^^a we.e.v+,ee.mKxw,orcr,�sx
STEPHEN J MCBRIDE ASKnsovr e-DELIVERY +».. EXCEI.I.ENCE
TERMS AND CONDITIONS
TRANSACTIONS PERSHING SENDS CERTAIN EQUITY ORDERS TO EXCHANGES,ELECTRONIC COMMUNICATION NETWORKS,OR BROKER.
• ALL ORDERS AND TRANSACTIONS SHALL BE SOLELY FOR YOUR ACCOUNT AND RISK SHALL BE SUBJECT TO THE DEALERS DURING NORMAL BUSINESS HOURS AND DURING EXTENDED TRADING SESSIONS,CERTAIN OF THESE VENUES
PROVIDE PAYMENTS TO PERSHING
CONSTITUTION,RULES,REGULATIONS,CUSTOMS,USAGES,RULINGS AND INTERPRETATIONS OF THE EXCHANGE OR PERSHING DEPENDING UPON THE CHARACTERISTICS
MARKETAND THE CLEARING FACILITY,IF ANY,WHERE THE TRANSACTIONS ARE EXECUTED AND/OR SETTLED,OR IF W THE ORDER AND ANY SUBSEQUENT EXECUTION.THE DETAILS CHARGE ACCESS FEES TOTHESE PAYMENTS AND FEES ARE AVAILABLE UPON
HES
APPLICABLE,OF THE FINANCIAL INDUSTRY REGULATORY AUTHORITY AND TO ALL APPLICABLE LAWS AND WRITTEN REQUEST.PERSHING RECEIVES PAYMENTS FOR DIRECTING
NG LISTED OPTIONS ORDER FLOW TO CERTAIN
REGULATIONS, OPTION EXCHANGES.IN ADDITION,PERSHING ROUTES CERTAIN EQUITY AND OPTION ORDERS TO ITS AFFILIATE,SNY
MELLON CAPITAL MARKETS,LLC,FOR EXECUTION AS PRINCIPAL.COMPENSATION IS GENERALLY IN THE FORM OF A PER
• TITLE TO SECURITIES SOLD TO YOU,WHERE PERSHING HAS ACTED AS PRINCIPAL,SHALL REMAIN WITH PERSHING OPTION CONTRACT CASH PAYMENT.
UNTIL THE ENTIRE PURCHASE PRICE IS RECEIVED OR UNTIL THE SETTLEMENT DATE,WHICHEVER IS LATER. BEST EXECUTION-NOTWITHSTANDING THE PREVIOUS PARAGRAPH REGARDING PAYMENT FOR ORDER FLOW,PERSHING
• YOU MAY HAVE RECEIVED CONFIRMATIONS FOR TRANSACTIONS WHICH DO NOT APPEAR ON YOUR STATEMENT.IF SELECTS CERTAIN MARKET CENTERS TO PROVIDE EXECUTION OF OVER-THE-COUNTER AND EXCHANGE-LISTED
SO,THE TRANSACTIONS WILL APPEAR ON YOUR NEXT PERIODIC STATEMENT.SUCH TRANSACTIONS MUST BE SECURITIES TRANSACTIONS WHICH AGREE TO ACCEPT ORDERS,TRANSMITTED ELECTRONICALLY UP TO A SPECIFIED
CONSIDERED BY YOU WHEN COMPUTING THE VALUE OF YOUR ACCOUNT.THIS IS ESPECIALLY TRUE IF YOU HAVE SIZE,AND TO EXECUTE THEM AT OR BETTER THAN THE NATIONAL BEST BID OR OFFER(NBSO).ON CERTAIN LARGER
WRITTEN OPTIONS WHICH HAVE BEEN EXERCISED. ORDERS,OR IF THE DESIGNATED MARKET CENTERS DO NOT MAKE A MARKET IN THE SUBJECT SECURITY,PERSHING
FREE CREDIT BALANCES:ANY FREE CREDIT BALANCE CARRIED FOR YOUR ACCOUNT REPRESENTS FUNDS PAYABLE DIRECTLY CONTACTS MARKET CENTERS TO OBTAIN AN EXECUTION.THE DESIGNATED MARKET CENTERS TO WHICH
UPON DEMAND WHICH,ALTHOUGH PROPERLY ACCOUNTED FOR ON PERSHING'S BOOKS OF RECORD,ARE NOT ORDERS ARE AUTOMATICALLY ROUTED ARE SELECTED BASED ON THE CONSISTENT HIGH QUALITY OF THEIR
SEGREGATED AND MAY BE USED IN THE CONDUCT OF ITS BUSINESS. EXECUTIONS IN ONE OR MORE MARKET SEGMENTS AND THEIR ABILITY TO PROVIDE OPPORTUNITIES FOR EXECUTIONS
AT PRICES SUPERIOR TO THE NBSO.PERSHING ALSO REGULARLY REVIEWS REPORTS FOR QUALITY OF EXECUTION
DEBIT BALANCES:INTERESTCHARGED ON DEBIT BALANCES IN YOUR ACCOUNT APPEARS ON THE STATEMENT.THE PURPOSES.
RATE OF INTERESTAND PERIOD COVERED ARE INDICATED.THE RATE MAY CHANGE FROM TIME TO TIME DUE TO WRAP ACCOUNT CUSTOMERS WHO ELECTED NOT TO RECEIVE IMMEDIATE CONFIRMATION OF TRANSACTIONS
FLUCTUATIONS IN MONEY RATES OR OTHER REASONS.INTEREST IS COMPUTED AS DESCRIBED IN MATERIAL
PREVIOUSLY FURNISHED TO YOU.PLEASE CONTACT YOUR FINANCIAL INSTITUTION IF YOU DESIRE ADDITIONAL COPIES, THE FOLLOWING TERMS AND CONDITIONS ARE APPLICABLE ONLY IF YOUR ACCOUNT IS AN INVESTMENT ADVISORY
MARGIN INFORMATION:IF YOU MAINTAIN A MARGIN ACCOUNT,THIS IS A COMBINED STATEMENT OF YOUR GENERAL ACCOUNT AND THE TRANSACTION CONFIRMATIONS ARE NOT SENT TO YOU(SENT ONLY TO YOUR FIDUCIARY)
ACCOUNT AND A SPECIAL MEMORANDUM ACCOUNT MAINTAINED FOR YOU UNDER REGULATION T OF THE BOARD OF PURSUANT TO YOUR INSTRUCTION:
GOVERNORS OF THE FEDERAL RESERVE SYSTEM.THE PERMANENT RECORD OF THE SEPARATE ACCOUNT AS WRAPACCOUNTTRANSACTIONS
REQUIRED BY REGULATION T IS AVAILABLE FOR YOUR INSPECTION UPON REQUEST. • THE FOLLOWING INFORMATION WILL BE FURNISHED TO YOU UPON REQUEST TO YOUR FINANCIAL INSTITUTION
TAX INFORMATION ('INTRODUCING FIRM•)WITH RESPECT TO ANY TRANSACTION FOR WHICH A CONFIRMATION WAS NOT SENT TO YOU:
• AFTER YEAR END,PERSHING IS REQUIRED TO PROVIDE TAX INFORMATION TO THE INTERNAL REVENUE SERVICE AND THE MARKET UPON WHICH ANY TRANSACTION WAS EXECUTED;THE TIME OF DAY THAT ANY TRANSAC71ON WAS
OTHER GOVERNMENTAL AUTHORITIES.AT THAT TIME PERSHING WILL PROVIDE THAT INFORMATION ON THE ANNUAL EXECUTED;THE NAME OF THE PERSON FROM WHOM ANY SECURITY WAS PURCHASED OR TO WHOM SUCH SECURITY
TAX INFORMATION STATEMENT TO YOU;USE THAT STATEMENT TO PREPARE YOUR TAX FILINGS.THE TAX WAS SOLD;THE SOURCE AND AMOUNT OF OTHER COMMISSIONS RECEIVED IN CONNECTION WITH ANY
STATEMENT ALSO INCLUDES OTHER USEFUL INFORMATION TO ASSIST IN ACCUMULATING THE DATA TO PREPARE TRANSACTION;AND A COPY OF THE TRANSACTION CONFIRMATION.
YOUR TAX RETURNS. • YOUR INTRODUCING FARM EFFECTED EACH TRANSACTION FOR WHICH A CONFIRMATION WAS NOT SENT TO YOU AS
• DIVIDENDS,INTEREST AND OTHER DISTRIBUTIONS SHOWN ON THIS STATEMENT WERE CLASSIFIED AS TAXABLE OR YOUR AGENT.
NONTAXABLE BASED ON CERTAIN INFORMATION KNOWN AS OF THE DISTRIBUTION DATE.THIS CLASSIFICATION LS IN CONNECTION WITH EACH EQUITY SECURITY AND CERTAIN OTHER SECURITIES SOLD,YOUR INTRODUCING FIRM
SUBJECT TO CHANGE AND IS SOLELY INTENDED FOR USE AS GENERAL INFORMATION. CHARGES TO YOU,AND REMITS TO A REGULATORY ORGANIZATION OR NATIONAL SECURITIES EXCHANGE,A-TRANS.
• PERSHING DOES NOT PROVIDE TAX,INVESTMENT OR LEGAL ADVISORY SERVICES AND NO ONE ASSOCIATED WITH FEE'PERSHING CALCULATES THIS FEE BASED ON AMOUNTS PAID BY YOUR INTRODUCING FIRM TO THE APPLICABLE
PERSHING IS AUTHORIZED TO RENDER SUCH ADVICE.DO NOT RELY UPON ANY SUCH ADVICE,IF GIVEN.INVESTORS _ REGULATORY ORGANIZATION OR NATIONAL SECURITIES EXCHANGE.THIS,IN TURN,IS BASED ON THE VALUE OF THE
ARE ENCOURAGED TO CONSULT THEIR TAX ADVISORS TO DETERMINE THE APPROPRIATE TAX TREATMENT OF THEIR APPLICABLE SECURITIES SOLD.TO DETERMINE THE EXACT AMOUNT OF THIS FEE WITH RESPECTTO ANY
BUSINESS. TRANSACTION,PLEASE CONTACT YOUR INTRODUCING FIRM. ,
GENERAL INFORMATION IF ANY TRANSACTION INVOLVES AN ASSET-BACKED SECURITY,INCLUDING A MUNICIPAL COLLATERALIZED MORTGAGE
OBLIGATION,WHICH REPRESENTS AN INTEREST IN OR IS SECURED BY A POOL OF RECEIVABLES OR OTHER
• WHENEVER YOU ARE INDEBTED TO PERSHING LLC('PERSHING-)FOR ANY AMOUNT,ALL SECURITIES HELD BY IT FOR FINANCIAL ASSETS THAT ARE SUBJECT CONTINUOUSLY TO PREPAYMENT,THEN THE ACTUAL YIELD OF SUCH
YOU IN ANY ACCOUNT IN WHICH YOU HAVE ANY INTEREST SHALL SECURE ALL YOUR LIABILITIES TO PERSHING,AND SECURITY MAY VARY ACCORDING TO THE RATE AT WHICH THE UNDERLYING RECEIVABLES OR OTHER FINANCIAL
PERSHING MAY W ITS DISCRETION AT ANY TIME,WITHOUT TENDER,DEMAND OR NOTICE TO YOU,CLOSE OR REDUCE ASSETS ARE PREPAID.INFORMATION CONCERNING THE FACTORS THAT AFFECT YIELD(INCLUDING ATA MINIMUM
ANY OR ALL OF YOUR ACCOUNTS BY PUBLIC OR PRIVATE SALE OR PURCHASE OR BOTH OF ALL OR ANY SECURITIES ESTIMATED YIELD,WEIGHTED AVERAGE LIFE,AND THE PREPAYMENT ASSUMPTIONS OF UNDERLYING YIELD)W ILL BE
CARRIED IN SUCH ACCOUNTS;ANY BALANCE REMAINING DUE PERSHING TO BE PROMPTLY PAID BY YOU. FURNISHED TO YOU UPON REQUEST TO YOUR INTRODUCING FIRM.
• WHENEVER YOU ARE INDEBTED TO PERSHING FOR ANY AMOUNT,ALL SECURITIES CARRIED FOR YOUR ACCOUNT WRAP ACCOUNT ORDER FLOW:YOUR INTRODUCING FIRM DOES NOT RECEIVE ANY PAYMENT FOR ORDER FLOW FOR
ARE OR MAY BE,WITHOUT FURTHER NOTICE TO YOU,LOANED OR PLEDGED BY PERSHING,EITHER SEPARATELY OR ANY TRANSACTION FOR WHICH A CONFIRMATION WAS NOT SENT TO YOU.
UNDER CIRCUMSTANCES WHICH WILL PERMIT THE COMMINGLING THEREOF,WITH OTHER SECURITIES FOR ANY WRAP ACCOUNT CALL FEATURES:CALL FEATURES MAY EXIST FOR SECURITIES.CALL FEATURES FOR FIXED INCOME
AMOUNT LESS THAN,EQUAL TO OR GREATER THAN YOUR LIABILITIES TO PERSHING,BUT NOT UNDER SECURITIES MAY AFFECT YIELD.COMPLETE INFORMATION WILL BE PROVIDED UPON REQUEST.
CIRCUMSTANCES FOR AN AMOUNT PROHIBITED BY LAW.
• PERSHING MAY TRADE FOR ITS OWN ACCOUNT AS AMARKET MAKER,SPECIALIST,ODD LOT DEALER,BLOCK WRAP ACCOUNT RATINGS:THE RATINGS THAT APPEAR IN THE DESCRIPTION OF SOME FIXED INCOME SECURITIES HAVE
POSITIONER,ARBITRAGEUR IOR
TS
INVESTOR.CONSEQUENTLY,AT THE TIME OF ANY TRANSACTION YOU MAY MAKE, BEEN OBTAINED FROM RATINGS SERVICES WHICH PERSHING BELIEVES TO BE RELIABLE;HOWEVER,PERSHING CANNOT
PERSHING MAY HAVE A POSITION IN SUCH SECURITIES,WHICH POSITION MAY BE PARTIALLY OR COMPLETELY GUARANTEE THEIR ACCURACY.SECURITIES FOR WHICH A RATING IS NOTAVAILABLE ARE MARKED'UNRATED'.
HEDGED.
• IF AVERAGE PRICE TRANSACTION IS INDICATED ON THE FRONT OF THIS STATEMENT YOUR FINANCIAL INSTITUTION
OR PERSHING MAY HAVE ACTED AS PRINCIPAL,AGENT OR BOTH.DETAILS AVAILABLE UPON REQUEST.
•'•A FINANCLAL STATEMENT OF PERSHINGIS AVAILABLE FOR YOUR PER.SONA.LiNSPECTION-P.T PERSHING'S.OFFICce a.
COPY OF IT WILL BE MAILED UPON YOUR WRITTEN REQUEST OR YOU CAN VIEW IT ONLINE AT W W W.PERSHING.COM. '
• FOR BUSINESS CONTINUITY AND ADDITIONAL DISCLOSURES:WWW.PERSHING.CONVBUSINESS CONTINUITY.HTML
• THIS STATEMENT SHOULD BE RETAINED FOR YOUR RECORDS.
PAYMENT FOR ORDER FLOW AND ORDER ROUTING POLICIES DISCLOSURES(REGULATION NMS—RULE 60T(A)(1}(2)]
IF ANY OF THE ABOVE TERMS AND CONDITIONS ARE UNACCEPTABLE TO YOU,PLEASE NOTIFY PERSHING IMMEDIATELY IN WRITING BY CERTIFIED MAIL TO ONE PERSHING PLAZA,JERSEY CITY,NJ 07399,ATTN:LEGAL DEPT
Page 9 of 9
B0108900CSF30046 Account Number:SCR-583971 RntodF.Yf.BI1B^* ^B"-«p��-^���• ny - abry
PAR-02-ROLL Go paperless E— Y—Si-2007 er.,,.e•ol.o�w..ro.•a.Bo„ee.p,neen teev•wna.,�
STEPHEN I MCBRIDE ASK ABOUTE-OE lI W X DALBARRATED COMMUNICATIONS FI S + 9pG
EXCELLENCE
Important Information and Disclosures (continued)
The Role of Pershing(continued)
• Inquiries concerning the positions and balances in your account may be directed to the Pershing Customer Service Department at(201)413-3333.All other inquiries regarding your account or activity should
be directed to your financial institution.Your financial organization's contact information can be found on the first page of this statement.
• For a description of other Functions performed by Pershing please consuft-the Disclosure Statement provided to you upon the opening of your account.This notice is not meant as a definitive enumeration of .
every possible circumstance,but as a general disclosure:If you have any questions regarding this notice or if-you would like additional copies of toe Disclosure Statement,please contact your Fnancial -
institution.
• Pershing is a member of the Securities Investor Protection Corporation(SIPC®).Please note that SIPC does not protect against loss due to market fluctuation.In addition to SIPC protection,Pershing
provides coverage in excess of SIPC limits.For more detailed information please visit:www,pershing.com/strength_stability.html.
• This statement will be deemed conclusive.You are advised to report any inaccuracy or discrepancy(including unauthorized trading)promptly,but no later than ten days after receipt of this statement,to
your financial organization and Pershing.Please be advised that any oral communication should be re-confirmed in writing to further protect your rights,including your rights under the Securities Investor
Protection Act.
• Your financial organization's contact information can be found on the first page of this statement.Pershing's contact information is as follows: Pershing LLC,Legal Department,One Pershing Plaza,
Jersey City,New Jersey 07399;(201)413-3330.Errors and Omissions excepted.
Important Arbitration Disclosures
• All parties to this agreement are giving up the right to sue each other in court,including the right to a trial by jury,except as provided by the rules of the arbitration forum in which a claim is filed.
• Arbitration awards are generally final and binding;a party's ability to have a court reverse or modify an arbitration award is very limited.
• The ability of the parties to obtain documents,witness statements and other discovery is generally more limited in arbitration than in court proceedings.
• The arbitrators do not have to explain the reason(s)for their award,unless,in an eligible case,ajoint request for an explained decision has been submitted by all parties to the panel at least 20 days prior to
the Arst scheduled hearing date.
• The panel of arbitrators will typically include a minority of arbitrators who were or are affiliated with the securities industry.
• The rules of some arbitration forums may impose time limits for bringing a claim in arbitration.In some cases,a claim that is ineligible for arbitration may be brought in court.
• The rules of the arbitration forum in which the claim is filed,and any amendments thereto,shall be incorporated into this agreement.
Important Arbitration Agreement
Any controversy between you and Pershing LLC shall be submitted to arbitration before the Financial Industry Regulatory Authority.No person shall bring a putative or certified class action to arbitration,nor seek
to enforce any predispute arbitration agreement against any person who has initiated in court a putative class action,who is a member of a putative class who has not opted out of the class with respect to any
claims encompassed by the putative class action until;(1)the class certification is denied;(II)the class is decertified;or(III)the client is excluded from the class by the court.Such forbearance to enforce an
agreement to arbitrate shall not constitute a waiver of any rights under this agreement except to the extent stated herein.The laws of the State of New York govern.
Pershing's contact information is as follows:Pershing LLC,Legal Department,One Pershing Plaza,Jersey City,New Jersey 07399;(201)413-3330.
Page 8 of 9
Account Number.5CR-583911 ��e� 71106;
B0108900CSF30046 PAR - Go:paperless. 2Wi
_ STEPHEN 1 MCBRIDE ASK ABOUT E-DELNCRV DALBAR RA,MID COMMUNICATIONS 4m"".C.rnaneernl wN lSm
EXCELLENCE
46o Santander"
Court Order Processing\Decedents- MAI-MB3-01-21 - P.O.Box 841005 - Boston,MA 02284
March 12, 2015
Good & Harris, LLP
132 West Main Street
N New Holland, PA 17557-1295
E
E
RE: Estate of Stephen J. McBride
Date of Death: 01/08/2015.
x
Dear Mr. Good:
Per your request, enclosed please find the account information as of the date of death
for the above-named decedent. For your information, accrued interest is not included in
the date of death balance.
E
Please feel free to contact me if I can be of any further assistance.
Very truly yours,
t
n Helen Alboth
Lead Specialist
s 617-514-5189
d
E
Z
s
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3
t
6
9
a
Santander
ESTATE OF: STEPHEN J MCBRIDE
SOCIAL SECURITY#:
DATE OF DEATH:01/08/2015
Account#: 0921718195 Type: CHECKING (INTERESTOpen date: 10/03/1990
BEARING)
In the name of: STEPHEN J MCBRIDE or DONNA L MCBRIDE
Date of death balance:$8,630.00
Int.(YTD)from: 01/01/2015 To: 01/08/2015 $0.00
Accrued interest to date of death: $0.05
Other info:
Account#:0924089199 Type: MONEY MARKET Open date: 12/02/2009
In the name of: STEPHEN J MCBRIDE or DONNA L MCBRIDE
Date of death balance:$49,144.44
Int.(YTD)from: 01/01/2015 To:01/08/2015 $0.00
Accrued interest to date of death: $5.05
Other info:
Page 2/2
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Target SelectDeferred Annuity JACKS �N`
NATIONAL LIFE INSURANCE COMPANY
Statement Date:January 5,2015 ---------- ---- -- --For the period January 5,2014 to January 5,2015 LONG-TERM SMART"
tnrww.iackson.com
Producer Copy
Prepared for: For Service: (800) USE-JNL) (873-5654)
WILLIAM J REINER
329A S MAIN ST Your Client:
DOYLESTOWN, PA 18901 STEPHEN J MC BRIDE
945 HUMER ST
ENOLA PA 17025
Contract Summary Contract Information
Total Contract Activity Since Date of Issue Contract Number: 1004775151
Total Premiums Paid: $500,OD0,00 Annuity Type: Individual Retirement Annuity
Total Interest Earned: $143,912.15* Issue Date: January 5,2009
Withdrawals: $236,520.47 Owner(s): STEPHEN J MC BRIDE
Contract Status as of Statement Date Annuitants: STEPHEN J MC BRIDE
Accumulated Value: $407,391.68 Representative Number: 1716774
Withdrawal Value: $407,391.68**
Summary of Guaranteed Periods
Guaranteed Interest Ending Guaranteed
Guaranteed Rate&(Interest Beginning Guaranteed Period Value
Period Effective Date Expiration Date Rate Bonus) Period Value 01/05/15
6 01/05/09 01/05/15 4.55% $500,000.00 $407,391.68
For ease in making additional premium payments($2000.00 minimum),please cut off this portion and submit with your payment.
MAKE CHECK PAYABLE TO:Jackson National Life Insurance Company.Please Include Contract number on ch.Ick.
Owner Contract Number
STEPHEN J MC BRIDE 1004775151
Guaranteed %or Dollar Guaranteed %or Dollar
Period Amount Period Amount
Amount
Enclosed:
For proper crediting Tax Yeal
of your IRA
Jackson National Life Insurance Company contribution please
PO Box 24068 enter the tax year.
Lansing MI 48909-4068
I�L�II��LI�I��III�II�L�IIrIIII��I�II��I��L��LII ,/ r
04=3810 AO 01 0C ST 1001775151 1716774 01/06A015 TOSLT STMT
Target Select
For the period of January 5,2014 to January 5,2015
Policy No: 1004775151
Owner(s): STEPHEN J MC BRIDE
Transaction Detail
Date Transaction Type Transaction Amount Guaranteed Period
01/15/14 Systematic Withdrawal $2,889.00 6
Tax Withholding $-375.57
Net Systematic Withdrawal $2,513.43
02/15/14 Systematic Withdrawal $2,889.00 6
Tax Withholding $-375.57
Net Systematic Withdrawal $2,513.43
03/15/14 Systematic Withdrawal $2,889.00 6
Tax Withholding $-375.57
Net Systematic Withdrawal $2,513.43
04/15/14 Systematic Withdrawal $2,889.00 6
Tax Withholding $-375.57
Net Systematic Withdrawal $2,513.43
05/15/14 Systematic Withdrawal $2,889.00 6
Tax Withholding $-375.57
Net Systematic Withdrawal $2,513.43
06/15/14 Systematic Withdrawal $2,889.00 6
Tax Withholding $-375.57
Net Systematic Withdrawal $2,513.43
07/15/14 Systematic Withdrawal $2,889.00 6
Tax Withholding $-375.57
Net Systematic Withdrawal $2,513.43
08/15/14 Systematic Withdrawal $2,889.00 6
Tax Withholding $-375.57
Net Systematic Withdrawal $2,513.43
Target Select
For the period of January 5,2014 to January 5,2015
Policy No: 1004775151
Owner(s): STEPHEN J MC BRIDE
Transaction Detail
Date Transaction Type Transaction Amount Guaranteed Period
09/15/14 Systematic Withdrawal $2,889.00 6
Tax Withholding $-375.57
Net Systematic Withdrawal $2,513.43
10/15/14 Systematic Withdrawal $2,889.00 6
Tax Withholding $-375.57
Net Systematic Withdrawal $2,513.43
11/15/14 Systematic Withdrawal $2,889.00 6
Tax Withholding $-375.57
Net Systematic Withdrawal $2,513.43
12/15/14 Systematic Withdrawal $2,889.00 6
Tax Withholding $-375.57
Net Systematic Withdrawal $2,513.43
01/05/15 Renewal Allocation $407,391.68 1
* Indicates interest earned from issue date of Contract,including any interest rate bonus earned during the first year of the
Guaranteed Period(s).
*'*The Withdrawal Value is equal to the Accumulated Value less any applicable Withdrawal Charges and adjusted for any
applicable Excess Interest Adjustment(Market Value Adjustment). Each premium payment is treated separately and has its own
Excess Interest Adjustment(Market Value Adjustment) that may fluctuate and could either increase or decrease the Withdrawal
Value,but not to less than the sum of the Guaranteed Periods Minimum Values. The Withdrawal Charge,Excess Interest
Adjustment(Market.Value Adjustment),Accumulated Value and the Withdrawal Value referenced within Contract Summary
section of this statement are an aggregate for all premium payments and are based upon a Full Withdrawal cif the Accumulated
Value on the statement date. Your cash surrender value at the beginning of the period was$406,651.07 and L.;$407,391.68-at---
the end of the period.
Target Select
For the period of January 5,2014 to January 5,2015
Policy No: 1004775151
Owner(s): STEPHEN J MC BRIDE
Annuities have limitations and restrictions. Withdrawals prior to age 591/2 may be subject to a 10%tax penalty.
For costs and complete details, contact your Representative or the Company.
QUESTIONS? Please call us at 800-644-4565 between 8:00 a.m. and 8:00 p.m. (ET).
Write us at Jackson, P.O.Box 24068, Lansing, MI 48909-4068. Email us at CustomerCare@jackson.com. Visit our Website at
www.jackson.com to view your account information 24 hours a day.
CAMBRIDGE 1776 Pleasant Plain Road
Fairfield,1A 52556 /ndijridua/Aetirement
INVESTMENT RESEARCH, INC. (x41472-5100
Account Statement
Account Number:NGX-006225
Statement Period: 12/01/2014-12/31/2014
IRA FBO STEPHEN MCBRIDE Valuation at a Glance ibis Period
PERSHING LLC AS CUSTODIAN Beginning Account Value $461,958.56
945 HUMER ST Adjusted Previous Account Value 461,958.56
ENOLA PA 17025-2926 Dividends,Interest and Other Income 13,588.73
Net Other Activity -35.00
Net Chane in Portfolio -15,930.12
Ending 1 '
,582.11
Your Financial Advisor Is:
Asset Allocation Last Period This Period %Allocation
Cash,Money Funds,and Bank Deposits'! 8,096.05 9,785.05 2% Please review your allocation
Mutual Funds 453,862.51 449,797.12 98%
Account Total $461,958.56 $459,582.17 100%
I The Bank Deposits in your account are FDIC insured bank deposits.
FDIC insuredbank deposits are not securities and are not covered by the Securities Investor Protection Corporation
(SIPC).These bank deposits are covered by the Federal Deposit Insurance Corporation(FDIC),up to allowable limits.
Page 1 of 18
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PAFZ-02-ROLL B0066773CSF30021 EE y:Y—Since 2007 o1'iN-smrwwn,.w rae wnm.ew.ronaenseRr u.R.np
ASKAEOUT£-DELIVERY .+,..,,� LBARRATED COMMUNICATIONS PORMna LLC,rr,ernoer FINRA.NYSE,$ c
Additional Information
Description This Period
Securities Bought and Sold .$11,864.73
Required Minimum Distribution Summary Calculated Amount
Prior Year-end Fair Market Value("FMV"): $447,481.27
Calculation Factor: 24.7
Participant DOB: 06/1941 Beneficiary DOB: 00/0000
Beneficiary Relationship: MULTIPLE
Amount Required to be Withdrawn for 2014: $18,116.65
Amount Withdrawn Year to Date: $0.00
The Remaining Amount You Are Required to Withdraw for 2014: $18,116.65
Disclaimers and Other Important Information Regarding Your Required Minimum Distribution Summary
According to our records,you are required under federal tax law to take an annual minimum distribution from your retirement account.These required minimum distributions(RMDs)usually begin in the year you
reach the age of 701/2.Failure to take the RMD when required may result in a 50%excise tax imposed on the amount you did not take.
You are allowed to take your RMD in cash or securities.For a distribution to be made,sufficient cash or securities must be available in your retirement account when we receive your distribution request and for
subsequent distributions.If you changed your beneficiary after January 1 of this year and your new or prior beneficiary is your spouse who is more than ten years younger than you,you may need to recalculate
the RMD amount stated above.
If you have more than one traditional individual retirement account(IRA),including SEP and SIMPLE IRAs,the RMD for these accounts can be aggregated and removed from a single traditional IRA.This
exception does not apply to multiple qualified retirement plans(QRPs)such as profit sharing,money purchase pension,401(k),and defined benefit plans.RMDs for QRPs must be removed from each QRP
account.
NOTE:Any outstanding rollovers or recharacterizations that were not in your account on December 31 of the prior year should be added to your year-end fair market value for the previous year to calculate your
RMD for the current year.Also,when taking your RMD,please consider any scheduled distribution amounts you have established which may allow you to automatically meet all or part of your RMD.Please
contact us if you are interested in establishing instructions.
Using the information on our files,your RMD was determined by dividing your fair market value by a calculation factor determined by the Internal Revenue Service(IRS).The factor is based on your age at the
end of the year and the age and relationship of your beneficiary(ies).We Strongly suggest that you verify this calculation with your tax professional,as there may be other pertinent information that could impact
your RMD amount.To withdraw your RMD,contact your investment professional for the appropriate withdrawal form.
Client Service Information
Your Financial Advisor Is: PLK
Your Account Information
Retirement Information
Year-End Fair Market Value (12/31/2014): $459,582.17. Date of Birth:06/12/1941
The year-end fair market value is furnished to the Internal Revenue Service for individual retirement accounts. Your fair market value may change based on transaction or asset valuation adjustments made after
12/31/2014. Please verify your information and notify your Financial Advisor if there are any changes.
Page 2 of 18
Account Number:NGX-006225 Pa�TIQ55 ��tea uont,4cb.�wM«wMoa-tea..ea.e. ,
B0066773CSP30021 Evary Yea Sin. 2007 aTw 4.v,at,w.w VMkMMI,�.Co,po,anui,le,ry rNon)
` PAR-02-ROLL IRA FBO STEPHEN MCBRIDE A5KA80VT£-0HLMRY �.._..� D RR RCATEDCOMMVNICATIONS' w„ o .m.nb..flwu NvaE sic
.�CAMBRIDGE' e'la 1A'S 5 6 R
�- INVESTMENT RESEARCH, INC. 641472-5100 /ndirridua/A�+etirremenjt
A00404!/ft�7t�tEIT�E'n
Statement Period:12/01/2014-12/31/2014
Your Account Information (continued)
Tax Lot Default Disposition Method
Default Method for Mutual Funds:FIRST IN FIRST OUT
Default Method for Stocks in a Dividend Reinvestment Plan:FIRST IN FIRST OUT
Default Method for all Other Securities:FIRST IN FIRST OUT
Bond Amortization Elections:
Treat all interest as original issue discount(OID):No
Amortize premium on taxable bonds based on Constant Yield Method:Yes
Accrual market discount method for all other bond types:Ratable Method
Include market discount in income annually:No
Electronic Delivery
You have not selected any account communications for electronic delivery.To register and tum off paper communications,log in to your account or contact your Financial Advisor for more information.
Portfolio Holdings
Opening Closing Accrued Income 30-Day
Description Quantity Balance Balance Income This Year Yield
Cash, Money Funds,and Bank Deposits 2.00%of Portfolio
FDIC Insured Bank Deposits
LIQUID INSURED DEPOSITS C 9,785.050 8,096.05 9,785.05 0.32 10.36 N/A
Total FDIC Insured Bank Deposits $8,096.05 $9,785.05 $0.32 $10.36
Total Cash, Money'Funds, and Bank Deposits $8,096.05 $9,785.05 $0.32 $10.36
Estimated Estimated
Description Quantity Market Price Market Value Annual Income Yield
Mutual Funds 98.00%of Portfolio
RUSSELL GLOBAL EQUITY FUND CLASS S 1,693.531 11.2100 18,984.48 296.02 1.55%
Security Identifier:RGESX
CUSIP:782478119
Open End Fund
Dividend Option:Reinvest;Capital Gains Option:
Reinvest
Page 3 of 18
B0066773CSF30021 - Account Number:NGX-006225 1141ad E.T..11—*
PAR-02-ROLL Go:papertess Every Ynm5lri-2007 Mt1w'ea.t ee.,d.Ye.Y wnm oa,e:.eo..i wne.,
IRA FBO STEPHEN MCBRIDE ASK ABOUTS-OELIVERY DALBAR RATED COMMUNICATIONS Poeb9LtC:namOerc,NRw,a SG SVC
EXCELLENCE
Portfolio Holdings (continued)
Estimated Estimated
Description Quantity Market Price Market Value Annual Income Yield
Mutual;Funds.(continued) .
RUSSELL U.S.STRATEGIC EQUITY 2,750.736 12.5400 34,494.23 414.53 1.20%
FUND CLASS S
Security Identifier:RSESX
CUSIP:7824911826
Open End Fund
Dividend Option:Reinvest;Capital Gains Option:
Reinvest
RUSSELL MULTI-STRATEGY 995.348 9.7800 9,734.50 277.60 2.85%
ALTERNATIVE.FUND CLASS S
Security Identifier:RMSSX
CUSIP:78249R875
Open End Fund
Dividend Option:Reinvest;Capital Gains Option:
Reinvest
RUSSELL SHORT DURATION BOND FUND 5,152.682 19.1600 98,725.39 1,274.77 1.29%
CLASS S
Security Identifier:RFBSX
CUSIP:782493506
Open End Fund
Dividend Option:Cash;Capital Gains Option:Cash .
RUSSELL STRATEGIC BOND FUND CLASS 1 12,301.419 10.9400 134,577.52 2,366.79 1.75%
Security Identifier.RFCSX
CUSIP:782493738
Open End Fund
Dividend Option:Reinvest;Capital Gains Option:
Reinvest
RUSSELL EMERGING MARKETS FUND CL S 467.751 16.9700 7,937.73 125.02 1.57%
Security Identifier.REMSX
CUSIP:782493746
Open End Fund
Dividend Option:Cash;Capital Gains Option:Cash
RUSSELL GLOBAL REAL ESTATE SECURITIES 257.571 38.3800 9,885.58 297.62 3.01%
FUND CLASS S
Security Identifier:RRESX
CUSIP:782493761
Open End Fund
Dividend Option:Reinvest;Capital Gains Option:
Reinvest
Page 4 of 18
B0066773CSF30021 Account Number:NGX-006225 - :« ,.u. ,�,o«.M�,L�..
PAR-02-ROLL Go.paperless EvesY'Year Slrica2007. .
IRA FBO STEPHEN MCBRIDE ASK ABOUT E-OEUVERY . RNATED.00WWN ICATIO NS Mee'�
XBF_LLE
CAMBRIDGE N,fi.1a�Plain' - -
INVESTMENT RESEARCH. INC. 641472-5100
Accaurst SAVAement
Statement Period:12/01/2014-12/31/2014
Portfolio Holdings (continued)
Estimated Estimated
Desai tion Quantity Market Price Market Value Annual Income Yield
Mutual Funds (continued)
RUSSELL GLOBAL OPPORTUNISTIC 1,874.067 9.4400 17,691.19 1,012.93 5.72%
CREDIT FUND CLASS S
Security Identifier:RGCSX
CUSIP:782494199
Open End Fund
Dividend Option:Reinvest;Capital Gains Option:
Reinvest
RUSSELL GLOBAL INFRASTRUCTURE FUND 1,553.042 11.9100 18,496.73 429.26 2.32%
CLASS S
Security Identifier:RGISX
CUSIP:782494256
Open End Fund
Dividend Option:Reinvest;Capital Gains Option:
Reinvest
RUSSELL COMMODITY STRATEGIES FUND 966.574 6.8100 6,582.37
CLASS S
Security Identifier:RCCSX
CUSIP:782494363
Open End Fund
Dividend Option:Reinvest;Capital Gains Option:
Reinvest
RUSSELL INrL DEVELOPED MARKETS 387.816 34.2700 13,290A5 248.55 1.87%
FUND CLASS S
Security Identifier:RINTX
CUSIP:782494488
Open End Fund
Dividend Option:Reinvest;Capital Gains Option:
Reinvest
RUSSELL U.S.SMALL CAP EQUITY FUND 307.464 29.8800 9,187.02 29.48 0.32%
CiASS S
Security Identifier:RLESX
CUSIP:762494520
Open End Fund
Dividend Option:Cash;Capital Gains Option:Cash
Page 5 of 18
Account Number:NGX-006225
B0066773CSF30021 PAR-02-ROLL � paperless
taeex�ener< n^OW^kV*per oiLC�Mw�yow.a.ew1MT
4Eee 'Y—r Since 2007
IRA FBD STEPHEN MCBRIDE ASK ABOUTS-DELIVERY DALRA RATED COMMUNICATIONS 0—V
Portfolio Holdings (continued)
Estimated Estimated
Description Quantity Market Price Market Value Annual Income Yield
Mutual Funds.(con&,7,vo)
RUSSELL INVESTMENT GRADE BOND FUND 3,166.889 22.1700 70,209.93 931.69 1.32%
CLASS S
Security Identifier:RFATX
CUSIP:782494835
Open End Fund
Dividend Option:Reinvest;Capital Gains Option:
Reinvest
Total Mutual Funds $449,797.12 $7,704.26
Accrued Estimated
Market Value Interest Annual Income
Total Portfolio Holdings $459,582.17 $0.00 $7,714.62
Portfolio Holdings Disclosures
Pricing
This section includes the net market value of the securities in your account on a settlement date basis,including short positions,at the close of the statement period.The market prices,unless otherwise noted,
have been obtained from independent vendor services,which we believe to be reliable. Market prices do not constitute a bid or an offer,and may differ from the actual sale price.Securities for which a price is
not available are marked"N/A"and are omitted from the Total.
THE AS OF PRICE DATE ONLY APPEARS WHEN THE PRICE DATE DOES NOT EQUAL THE STATEMENT DATE.
Estimated Annual Figures
The estimated annual income(EAI)and estimated annual yield(EAY)figures are estimates and for informational purposes only.These figures are not considered to be a forecast or guarantee of future results.
These figures are computed using information from providers believed to be reliable;however,no assurance can be made as to the accuracy.Since interest and dividend rates are subject to change at any time,
and may be affected by current and future economic,political,and business conditions,they should not be relied on for making investment,trading,or tax decisions.These figures assume that the position
quantities,interest and dividend rates,and prices remain constant.A capital gain or return of principal may be included in the figures for certain securities,thereby overstating them.Refer to
www.pershing.com/business_continuity.htmi for specific details as to formulas used to calculate the figures.Accrued interest represents interest earned but not yet received.
Reinvestment
The dollar amount of Mutual Fund distributions,Money Market Fund dividend income,Bank Deposit interest income,or dividends for other securities shown on your statement may have been reinvested.You will
not receive confirmation of these reinvestments.Upon written request to your financial institution,information pertaining to these transactions,including the time of execution and the name of the person from
whom your security was purchased,may be obtained.In dividend reinvestment transactions,Pershing acts as your agent and receives payment for order flow.
Option Disclosure
Information with respect to commissions and other charges incurred in connection with the execution of option transactions has been included in confirmations previously fumished to you. A summary of this
information is available to you promptly upon your written request directed to your introducing firm. In order to assist your introducing firm in maintaining current background and financial information concerning
your option accounts,please promptly advise them in writing of any material change in your investment objectives or financial situation. Expiring options which are valuable are exercised automatically pursuant
to the exercise by exception procedure of the Options Clearing Corporation.Additional information regarding this procedure is available upon written request to your introducing firm.
Foreign Currency Transactions
Pershing may execute foreign currency transactions as principal for your account. Pershing may automatically convert foreign currency to or from U.S.dollars for dividends and similar corporate action
transactions unless you instruct your financial organization otherwise. Pershing's currency conversion rate will not exceed the highest interbank conversion rate identified from customary banking sources on the
conversion date or the prior business day,increased by up to 1%,unless a particular rate is required by applicable law. Your financial organization may also increase the currency conversion rate. This
conversion rate may differ from rates in effect on the date you executed a transaction,incurred a charge,or received a credit. Transactions converted by agents(such as depositories)will be billed at the rates
such agents use.
Page 6 of 18
Account Number:NGX-006225 R t,,Ex=II"M'.2001
80066773CSF30021 C10.Pd(�"'i'�$S E ry;�!e 5 ca
a Tn.ea,�w e}:w".Ywn w4mncem?,"ue,.5�v w."".p
PAR-02-ROLL IRA FBO STEPHEN MCBRIDE paperless
EXCELLENCE
ASK ABOUT E-DEUVERY DALBAR'RATED�COMMUNICATIONS
CAMBRIDGE �fildIA555 Read /ndir�idua/Retirement
INVESTMENT RESEARCH, INC. 641-472-5100
.�4CCa�rst�tate�ent
Statement Period:12/01/2014-12/31/2014
Portfolio Holdings Disclosures (continued)
Proxy Vote
Securities not fully paid for in your margin account may be lent by Pershing to itself or others in accordance with the terms outlined in the Margin Agreement.The right to vote your shares held on margin may be
reduced by the amount of shares on loan.The Proxy Voting Instruction Form sent to you may reflect a smaller number of shares entitled to vote than the number of shares in your margin account.
Current Period Year-to-Date
Income and Expense Summary Tax Deferred Tax Deferred
Dividend Income
Other Dividends 2,385.58 7,343.63
Interest Income
FDIC Insured Bank Deposits 0.50 10.36
Total Dividends,Interest,Income and Expenses $2,386.08 $7,353.99
Distributions
Long-Term Capital Gain Distributions 6,427.43 6,427.43
Short-Term Capital Gain Distributions 4,775.22 4 775 22
Total Distributions $11,202.65 $11,202.65
FDIC Insured Bank Deposits
Date Activity Type Desc iition Amount Balance
Sweep FDIC Insured Bank Deposits
LIQUID INSURED DEPOSITS C
Account Number:NGX006225 Activity Ending:12/31/14
11/29/14 Opening Balance 8,096.05 8,096.05
12/04/14 Deposit DEPOSIT 72.65 8,168.70
12/15/14 Deposit INTEREST CREDITED 0.50 8,169.20
12/16/14 YIELD .05% 8,169.20
CITIBANK,NA
A/012/16 $8,169.20
12/24/14 Withdrawal WITHDRAWAL
-35.00 8,134.20
12/26/14 Deposit DEPOSIT 1650 85 9,785.05
12/3 i/14 Closing Balance
$9,785.05
Total FDIC Insured Bank Deposits $9,785.05
The FDIC Insured Bank Deposits are not securities and are not covered by the Securities Investor Protection Corporation(SIPC).The Bank Deposits at each bank are insured by the Federal Deposit Insurance
Corporation(FDIC)up to$250,000 for each category of legal ownership including individual retirement accounts and certain other self directed retirement accounts.Please review this in connection with other
deposits you may have at each respective bank.
Page 7 of 18
B0066773CSF30021 Account Number:NGX-006225 Ratrtd E.crtllrsnt cm;l.a„nro,gn,b.r,,,,p Lt.0 s.eee,.e.o.ce..n-d;.a
PAR-02-ROLL Go paperlessEvery Year Since 2007 wTIM Ba,dc of»..yo,e w±en o�.vo..ea.tlwr wn-.o
IRA FBO STEPHEN MCBRIDE ASK ABOUT E-0EUVERY DALBAR RATED COMMUNICATIONS v—a
ti v x.r�w ens soc
EXCELLENCE ,, f
Activity Summary(Allamounts shown are inbase currency)
Credits This Period Year-to-Date Debits This Period Year-to-Date
Securities Securities
Securities Bought 0.00 0.00 Securities Bought -11,864.73 -187,097.14
Securities Sold ..• 0.00 174,944,80 Securities Sold 0.00 0.00
Total Securities $0.00 $174,944.80 Total Securities -$11,864.73 -$187,097.14
Dividends and Interest $2,386.08. $7,353.99 Dividends and Interest $0.00 $0.00
Distributions $11,202.65 $11,202.65 Distributions $0.00 $0.00
Fees $0.00 $0.00 Fees -$35.00 -$5,490.11
FDIC Insured Bank Deposits $35.00 $96,043.53 FDIC Insured Bank Deposits -$1,724.00 -$96,957.72
Total Credits $13,623.73 $289,544.97 Total Debits -$13,623.73 -$289,544.91
Transactions in Date Sequence
Process/ Trade/
Settlement Transaction
Date Date Activity Type Description Quantity Price Accrued Interest Amount Currency
12/03/14 CASH DIVIDEND RECEIVED RUSSELL SHORT DURATION BOND FUND CLASS S 72.65 USD
RFBSX 5152.6820 SHRS RD 12/01 PD 12/03/14
12/03/14 CASH DIVIDEND RECEIVED RUSSELL STRATEGIC BOND FUND CLASS 1 122.43 USD
RFCSX 12003.3270 SHRS RD 12/01 PD 12/03/14
12/03/14 REINVEST CASH INCOME RUSSELL STRATEGIC,BOND FUND CLASS 1 10.980 -122.43 USD
RFCSX 12003.3270 SHRS SHRS PURCH.AT$11.15000 RD
12/01 PD 12/03/14
12/03/14 CASH DIVIDEND RECEIVED RUSSELL GLOBAL OPPORTUNISTIC CREDIT FUND 60.43 . USD
RGCSX CLASS S 1831.2630 SHRS RD 12/01 PD 12/03/14
12/03/14 REINVEST CASH INCOME RUSSELL GLOBAL OPPORTUNISTIC CREDIT FUND 6.173 -60.43 USD
RGCSX CLASS S 1831.2630 SHRS SHRS PURCH.AT$9.79000
RD 12/01 PD 12/03/14
12/03/14 CASH DIVIDEND RECEIVED RUSSELL INVESTMENT GRADE BOND FUND CLASS S 61.12 USD
RFATX 3102.6520 SHRS RD 12/01 PD 12/03/14
12/03/14 REINVEST CASH INCOME RUSSELL INVESTMENT GRADE BOND FUND CLASS S 2.719 -61.12 USD
RFATX 3102.6520 SHRS SHRS PURCH.AT$22.48000 RD
12/01 PD 12/03/14
12/04/14 FDIC INSURED BANK DEPOSIT LIQUID INSURED DEPOSITS C -72.65 USD
USD999997
12/16/14 FDIC INSURED BANK LIQUID INSURED INTEREST REINVESTED -0.50 USD
DEPOSITS INTEREST
REINVESTED
002992964
Page 8 of 18
B0066773CSF30021 Account Number.NGX-006225 Rated �M.n� -^^� ^:^^�^"ro •:aw^^"+•=rd
PAR-02-ROLL Go:paperless E ery';Year Since 2007wwnnttla levrMMlon)
IRA FBO STEPHEN MCBRIDE ASKA90tlSE-c nrcav .. _... ,��TE COMMUNICATIONS'
1776 Pleasant Plain Road
CAMBRIDGE
^�• )A 52556
641472 /ndi�dua/Aetiren�ent
INVESTMENT RESEARCH, INC. 641-472-5100
Accowit Statement
Statement Period:12/01/2014-12/31/2014
Transactions in Date Sequence (continued)
Process/ Trade/
Settlement Transaction
Date Date ActiWty Type Description Quantity Price Accrued Interest Amount Currency
12/16/14 FDIC INSURED BANK LIQUID INSURED INTEREST CREDITED 0.50 USD
DEPOSITS INTEREST
RECEIVED
002992964
12/23/14 12/22/14 MAINTENANCE FEE MAINTENANCE FEE CHARGED -35.00 USD
USD999997
12/24/14 FDIC INSURED BANK LIQUID INSURED DEPOSITS C 35.00 USD
WITHDRAWAL
USD999997
12/24/14 LONG TERM CAPITAL GAIN RUSSELL GLOBAL EQUITY FUND CLASS S 1587.1910 691.70 USD
DISTRIBUTION SHRS RD 12/19 PD 12/23/14
RGESX
12/24/14 CASH DIVIDEND RECEIVED RUSSELL GLOBAL EQUITY FUND CLASS S 1587.1910 277.44 USD
RGESX SHRS RD 12/19 PD 12/23/14
12/24/14 SHORT TERM CAPITAL GAIN RUSSELL GLOBAL EQUITY FUND CLASS S 1587.1910 235.70 USD
DISTRIBUTION SHRS RD 12/19 PD 12/23/14
RGESX
12/24/14 REINVEST CASH INCOME RUSSELL GLOBAL EQUITY FUND CLASS S 1587.1910 24.487 -277.44 USD
RGESX SHRS SHRS PURCH.AT$11.33000 RD 12/19 PD
12/23/14
12/24/14 REINVEST CASH INCOME RUSSELL GLOBAL EQUITY FUND CLASS S 1587.1910 20.803 -235.70 USD
RGESX SHRS SHRS PURCH.AT$11.33000 RD 12/19 PD
12/23/14
12/24/14 REINVEST CASH INCOME RUSSELL GLOBAL EQUITY FUND CLASS S 1587.1910 61.050 -691.70 USD
RGESX SHRS SHRS PURCH.AT$11.33000 RD 12/19 PD
12/23/14
12/24/14 LONG TERM CAPITAL GAIN RUSSELL U.S.STRATEGIC EQUITY FUND CLASS S 1,957.57 USD
DISTRIBUTION 2508.7340 SHRS RD 12/19 PD 12/23/14
RSESX
12/24/14 CASH-DIVIDEND RECEIVED . RUSSELL U.S.STRATEGIC EQUITY FUND CLASS S 89.31 USD
RSESI; 2508.7340 SHRs RD W19 PD 12/25/14
12/24/14 SHORT TERM CAPITAL GAIN RUSSELL U.S.STRATEGIC EQUITY FUND CLASS S 1,012.02 USD
DISTRIBUTION 2508.7340 SHRS RD 12/19 PD 12/23/14
RSESX
i
,J�
Page 9 of 18
B0066773CSF30021 Account Numoer:NGX-006225 Ratad•ExennerN, cm.iaq en.awa va..aaq ua..rrway.c..,ce.uewmr.
rnR-02-RorL I �I� Go paperless EverY`Yaar5inu2007 arn»e.akar.. vo«. ,ea
IRAFBOSTEPl4ENMCBRIDE ASK ABOUTE-DELIVERY DnLBARRATED COMMUNICATIONS tiM mwaarriaew aysE.swc
1 I EScCELLENCE
i
It
i
Transactions in Date Sequence (continued)
Process/ Trade/ t
Settlement Transaction
Date Date Act' ' Type Description Quantity Price Accrued Interest Amount Current
12/24/14 REINVEST CASH INCOME RUSSELL U.S:STRATEGIC EQUITY FUND CLASS S 80.065 -1.,012.02 USD
RSESX 2508.7340 SHRS SWS PURCH:AT$12.64000 RD
12/19 PD 12/23/14
12/24/14 REINVEST CASH INCOME RUSSELL U.S.STRATEGIC EQUITY FUND CLASS S 154.871 -1,957.57 USD
RSESX 2508:7340 SHRS SHRS PURCH.AT$12.64000 RD
12/19 PD 12/23/14
12/24/14 REINVEST CASH INCOME RUSSELL U.S.STRATEGIC EQUITY FUND CLASS S 7:066 -89.31 USD
RSESX 2508.7340 SHRS SHRS PURCH.AT$12.64000 RD
12/19 PD 12/23/14
12/24/14 CASH DIVIDEND RECEIVED RUSSELL MULTI-STRATEGY ALTERNATIVE FUND 269.88 USD
RMSSX CLASS S 967.6680 SHRS RD 12/19 PD 12/23/14
12/24/14 REINVEST CASH INCOME RUSSELL MULTI-STRATEGY ALTERNATIVE FUND 27.680 -269.88 USD
RMSSX CLASS S 967.6680 SHRS SHRS PURCH.AT$9.75000
RD 12/19 PD 12/23/14
12/24/14 LONG TERM CAPITAL GAIN RUSSELL SHORT DURATION BOND FUND CLASS S 276.70 USD
DISTRIBUTION 5152.6820 SHRS RD 12/19 PD 12/23/14
RFBSX
12/24/14 CASH DIVIDEND RECEIVED RUSSELL SHORT DURATION BOND FUND CLASS S 89.66 USD
RFBSX 5152.6820 SHRS RD 12/19 PD 12/23/14
12/24/.14 SHORT TERM CAPITAL GAIN RUSSELL SHORT DURATION BOND FUND CLASS S 348.84 USD
DISTRIBUTION 5152.6820 SHRS RD 12/19 PD 12/23/14
RFBSX
12/24/14 LONG TERM CAPITAL GAIN RUSSELL STRATEGIC BOND FUND CLASS 1 992.38 USD
DISTRIBUTION 12014.3070 SHRS RD 12/19 PD 12/23/14
RFCSX s
12/24/14 CASH DIVIDEND RECEIVED RUSSELL STRATEGIC BOND FUND CLASS 1 458,95 USD
RFCSX 12014.3070 SHRS RD 12/19 PD 12/23/14
12/24/14 SHORT TERM CAPITAL GAIN RUSSELL STRATEGIC BOND FUND CLASS 1 1,686.81 USD
DISTRIBUTION 12014.3070 SHRS RD 12/_19 PD 12/23/14
RFCSX
12/24/14 REINVEST CASH INCOME RUSSELL STRATEGIC BOND FUND CLASS 1 41.990 -458.95 USD
RFCSX 12014,3070 SHRS SHRS PURCH.AT$10.93000 RD
12/19 PD 12/23/14
12/24/14 REINVEST CASH INCOME RUSSELL STRATEGIC BOND FUND CLASS 1 154.328 -1,686.81 USD
RFCSX 12014.3070 SHRS SHRS PURCH.AT$10.93000 RD
12/19 PD 12/23/14
.s
12/24/14 REINVEST CASH INCOME RUSSELL STRATEGIC BOND FUND CLASS 1 90.794 -992.38 USD
RFCSX 12014.3070 SHRS SHRS PURCH.AT$10.93000 RD �.
12/19 PD 12/23/14 I
12/24/14 LONG TERM CAPITAL GAIN RUSSELL EMERGING MARKETS FUND CL S 467.7510 102.11 USD
DISTRIBUTION SHRS RD 12/19 PD 12/23/14 '
REMSX
Page 10 of 18
Account Number.NGX-006225 RntedE..All .: c%esnroawoa� M*w4cp.wnha.�eewe.w.�
80066793CSP30021 paperless- Evc.y`Vea Snce 2007'
PAR-02-ROIL .ar,.a.Z err Z"t ralb::co.00.aaa:t ':rewl
IRA FBO STEPHEN MCBRIDE ASK A9ovr E-OELNEAY DALBAR RATE OCOMMUNICATIONS PeR^eo ie. a ee'Fl.sta jrrsE sic"
EXCELLENCE
CAM BRIDGE 17',6 Plasant Plain Road
6414 >A 52556 /nd/�rdua/Retirement
INVESTMENT RESEARCH, INC. 641-4722-5100
Accournt Statement
Statement Period: 12/01/2014-12/31/2014
Transactions in Date Sequence (continued)
Process/ Trade/
Settlement Transaction
Date Date Activity Type Description Quantity Price Accrued Interest Amount Currency
12/24/14 CASH DIVIDEND RECEIVED RUSSELL EMERGING MARKETS FUND CL S 467.7510 125.03 USD
REMSX SHRS RD 12/19 PD 12/23/14
12/24/14 SHORT TERM CAPITAL GAIN RUSSELL EMERGING MARKETS FUND CL S 467.7510 21.66 USD
DISTRIBUTION SHRS RD 12/19 PD 12/23/14 -
REMSX
12/24/14 LONG TERM CAPITAL GAIN RUSSELL GLOBAL REAL ESTATE SECURITIES FUND 480.97 USD
DISTRIBUTION CLASS S 241.0740 SHRS RD 12/19 PD 12/23/14
RRESX
12/24/14 CASH DIVIDEND RECEIVED RUSSELL GLOBAL REAL ESTATE SECURITIES FUND 101.59 USD
RRESX CLASS S 241.0740 SHRS RD 12/19 PD 12/23/14
12/24/14 SHORT TERM CAPITAL GAIN RUSSELL GLOBAL REAL ESTATE SECURITIES FUND 57.83 USD
DISTRIBUTION CLASS S 241.0740 SHRS RD 12/19 PD 12/23/14
RRESX
12/24/14 REINVEST CASH INCOME RUSSELL GLOBAL REAL ESTATE SECURITIES FUND 12.390 480.97 USD
RRESX CLASS S 241.0740 SHRS SHRS PURCH.AT$38.82000
RD 12/19 PD 12/23/14
12/24/14 REINVEST CASH INCOME RUSSELL GLOBAL REAL ESTATE SECURITIES FUND 1.490 -57.83 USD
RRESX CLASS S 241.0740 SHRS SHRS PURCH.AT$38.82000
RD 12/19 PD 12/23/14
12/24/14 REINVEST CASH INCOME RUSSELL GLOBAL REAL ESTATE SECURITIES FUND 2.617 -101.59 USD
RRESX CLASS S 241.0740 SHRS SHRS PURCH.AT$38.82000
RD 12/19 PD 12/23/14
12/24/14 LONG TERM CAPITAL GAIN RUSSELL GLOBAL OPPORTUNISTIC CREDIT FUND 104.55 USD
DISTRIBUTION CLASS S 1837.4360 SHRS RD 12/19 PD 12/23/14
RGCSX
12/24/14 CASH DIVIDEND RECEIVED RUSSELL GLOBAL OPPORTUNISTIC CREDIT FUND 234.27 USD
RGCSX CLASS S 1837.4360 SHRS RD 12/19 PD 12/23/14
12/24/14 SHORT TERM CAPITAL GAIN RUSSELL GLOBAL OPPORTUNISTIC CREDIT FUND 6.98 USD_
DISTRIBUTION CLASS S 1837.4360 SHRS RD 12/19 PD 12/23/14
RGCSX
12/24/14 REINVEST CASH INCOME RUSSELL GLOBAL OPPORTUNISTIC CREDIT FUND 0.739 =6.98 USD
RGCSX CLASS S 1837.4360 SHRS SHRS PURCH.AT$9.44000
RD 12/19 PD 12/23/14
Page 11 of 18
B0066773CSF30021 AAR-02-ROLL Account Number:NGX-006225 paperless RatedExcallcM: clUon.gOuaa+'va.ox,oa.c..+,oe,a.,,.a,e.,, .
C10 a m,r.e.sly«200
IRA FBO STEPHEN MCBRIDE ASK ABOUTE-OELIVERYDA LOAF�EEDCOMMUNICATIONS wrtNp •� �« � B�C
Transactions in Date Sequence (continued)
Process/ Trade/
Settlement Transaction
Date Date Type Description Quantity Price Accrued Interest Amount Curren
12/24/14 REINVEST CASH INCOME RUSSELL.GLOBAL OPPORTUNISTIC CREDIT FUND. 11.075. -104.55 USD
R6CSX CLASS S 1837.4360'SHRS SHRS PURCH.AT$9.44000
RD 12/19 PD 12/23/14
12/24/14 REINVEST CASH INCOME RUSSELL GLOBAL OPPORTUNISTIC CREDIT FUND 24.817 -234.27 USD
RGCSX CLASS S 1837.4360 SHRS SHRS PURCH.AT$9.44000
RD 12/19 PD 12/23/14
12/24/14 LONG TERM CAPITAL GAIN RUSSELL GLOBAL INFRASTRUCTURE FUND CLASS S 739.45' USD
DISTRIBUTION 1439.4650 SHRS RD 12/19 PD 12/23/14
RGISX
12/24/14 CASH DIVIDEND RECEIVED RUSSELL GLOBAL INFRASTRUCTURE FUND CLASS S 97.74 USD
RGISX 1439.4650 SHRS RD 12/19 PD 12/23/14
12/24/14 SHORT TERM CAPITAL GAIN RUSSELL GLOBAL INFRASTRUCTURE FUND CLASS S 518.93 USD
DISTRIBUTION 1439.4650 SHRS RD 12/19 PD 12/23/14
RGISX
12/24/14 REINVEST CASH INCOME RUSSELL GLOBAL INFRASTRUCTURE FUND CLASS S 43.461 -518.93 USD
RGISX 1439.4650 SHRS SHRS PURCH.AT$11.94000 RD
12/19 PD 12/23/14
12/24/14 REINVEST CASH INCOME RUSSELL GLOBAL INFRASTRUCTURE FUND CLASS S 61.930 -739.45 USD
RGISX 1439.4650 SHRS SHRS PURCH,AT$11.94000 RD
12/19 PD 12/23/14
12/24/14 REINVEST CASH INCOME RUSSELL GLOBAL INFRASTRUCTURE FUND CLASS S 8.186 -97.74 USD
RGISX 1439.4650 SHRS SHRS PURCH.AT$11.94000 RD
12/19 PD 12/23/14
12/24/14 CASH DIVIDEND RECEIVED RUSSELL INT'L DEVELOPED MARKETS FUND CLASS S 244.04 USD
RINTX 380.7750 SHRS RD 12/19 PD 12/23/14
12/24/14 REINVEST CASH INCOME RUSSELL INT'L DEVELOPED MARKETS FUND CLASS S 7.041 -244.04 USD
RINTX 380.7750 SHRS SHRS PURCH.AT$34.66000 RD
12/19 PD 12/23/14
12/24/14 LONG TERM CAPITAL GAIN RUSSELL U.S.SMALL CAP EQUITY FUND CLASS S 590.73 USD
DISTRIBUTION 307.4640 SHRS RD 12/19 PD 12/23/14
RLESX
12/24/14 CASH DIVIDEND RECEIVED RUSSELL U.S.SMALL CAP EQUITY FUND CLASS S 29.49 USD
RLESX . 307.4640 SHRS RD 12/19 PD 12/23/14
12/24/14 SHORT TERM CAPITAL GAIN RUSSELL U.S.SMALL CAP EQUITY FUND CLASS S 66.63 USD
DISTRIBUTION 307.4640 SHRS RD 12/19 PD 12/23/14
RLESX
12/24/14 LONG TERM CAPITAL GAIN' RUSSELL INVESTMENT GRADE BOND FUND CLASS S 491.27 USD
DISTRIBUTION 3105.3710 SHRS RD 12/19 PD 12/23/14
RFATX
12/24/14 CASH DIVIDEND RECEIVED . RUSSELL INVESTMENT GRADE BOND FUND CLASS S 51.55 USD
RFATX 3105.3710 SHRS RD 12/19 PD 12/23/14
Page 12 of 18
eoosE��scsr3oozi Account.Number:NGX-006225 /r^ t e elfin; .«,a«toti; xw.ac:,,n+npr <a'.�.wLry
PAR-02-ROLL 00 Pape-less- Eery is Sirc 2007 .a Trr eeNel w.. an►+raneaw�ea.i(ervn�.ronl
IRA FBO STEPHEN MCBRIDE ASK ABOUT E9EuvcaYg2 R. 7 DCONfMUNICATIONS'
EXCELI'F.NCE
CAMBRIDGE Fa;�e;a IAS 556'
INVESTMENT RESEARCH, INC. 641-472-5100 /ndMdua/Igetirement
Accomnt Statement
Statement Period:12/01/2014-12/31/2014
Transactions in Date Sequence (continued)
Process/ Trade/
Settlement Transaction
Date Date Activity Type Description Quantity Price Accrued Interest Amount Cwency
12/24/14 SHORT TERM CAPITAL GAIN RUSSELL INVESTMENT GRADE BOND FUND CLASS S 819.82 USD
DISTRIBUTION 3105.3710 SHRS RD 12/19 PD 12/23/14
RFATX
12/24/14 REINVEST CASH INCOME RUSSELL INVESTMENT GRADE BOND FUND CLASS S 2.327 -51.55 USD
RFATX 3105.3710 SHRS SHRS PURCH.AT$22.15000 RD
12/19 PD 12/23/14
12/24/14 REINVEST CASH INCOME RUSSELL INVESTMENT GRADE BOND FUND CLASS S 37.012 -819.82 USD
RFATX 3105.3710 SHRS SHRS PURCH.AT$22.15000 RD
12/19 PD 12/23/14
12/24/14 REINVEST CASH INCOME RUSSELL INVESTMENT GRADE BOND FUND CLASS S 22.179 -491.27 USD
RFATX 3105.3710 SHRS SHRS PURCH.AT$22.15000 RD
12/19 PD 12/23/14
12/26/14 FDIC INSURED BANK DEPOSIT LIQUID INSURED DEPOSITS C -1,650.85 USD
USD999997
Total Value of Transactions $0.00 $0.00 USD
The price and quantity displayed may have been rounded.
Messages
FEDERAL DEPOSIT INSURANCE CORPORATION(FDIC)-INSURED BANK DEPOSITS ARE NOT PROTECTED BY SECURITIES INVESTOR PROTECTION CORPORATION(SIPC).YOU MAY VIEW
CURRENT MONEY MARKET FUND RATES BY VISITING WWW.PERSHING.COM AND SELECTING THE LINK AT THE BOTTOM OF THE PAGE TITLED"MONEY MARKET MUTUAL FUND&
FDIC-INSURED DEPOSITS PROGRAM RATES&BANK LISTS." PLEASE NOTE THAT WE MAY NOT OFFER ALL OF THE MONEY MARKET FUNDS LISTED ON THE PERSHING WEBSITE.
Although a money market mutual fund seeks to preserve the value of your investment at$1 per share,it is possible to lose money by investing in a money market mutual fund.Shares of a money
market mutual fund or the balance of a bank deposit product held in your brokerage account may be liquidated upon request with the proceeds credited to your brokerage account.Please see the
money market mutual fund's prospectus or the bank deposit product's disclosure document or contact your advisor for additional information.
In accordance with federal regulations,an Individual Retirement Account(IRA)owner,with.the exception of Roth IRAs,must take his or her required minimum distribution(RMD)for the year in which he or she
turns 70 16 and each calendar year thereafter.
According to our records.your 2015 RMD,.amount must be distributed by.December 31,2015..Beginnina.in January 2015;your 2015 RMD.informationwsll be included in,your IRA ac4punt statement:.Shouldgou '
.need to have your 2015 RMD amount calculated prior to receiving this information,please contact your investment professional or financial organisation for assistance with your calculation request.With the
exceptiori of inherited IRAs,we will inform the Internal Revenue Service.(IRS)of all IRA participants who are required to take an RMD from their IRA.
i
Pershing's Impartial Lottery Process:Partial Calls
Page 13 of 18 i
B0066773CSF30021 Account Number:NGX-006225 RbtndF tlent
PAR-02-ROLL Go paperless 6;-y YSince 2007
IRA FBO STEPHEN MCBRIDE ASIC Anovr E-oELIVERY DALBAR RATED COMMUNICATIONS ft."LLC.aea a.liN .—SE.9GC
�"-`-"' - EXCELLENCE
'i
is
j
Messages (continued) G
Information about Pershing's impartial lottery process can be found on pershing.com/business_continuiry.You may also request a printed copy of this information by calling(888)367-2563,option 3 then option 5.
When a security is subject to a partial redemption,pursuant to FINRA Rule 4340,Pershing must have procedures in place that are designed to treat clients fairly in accordance with an impartial lottery process.
When an issuerrinitiates a partial call of securities,the depositoryhoiding such securities(typically,the'Depository Trust Clearing and Carporatiovor DTCC)conducts an impartial,computerized lotteys4sinc,/^an...... ^'
incremental random number technique to determine the allocation of called securities to participants for which it holds securities on deposit(including Pershing).Because DTC's lottery is random and impartial,
participants may or may not receive an allocation of securities selected for redemption.
When Pershing is notified that it received an allocation of called securities,Pershing conducts a similar,computer-generated random lottery.The lottery determines the accounts that will be selected and the
number of securities in the account that will be redeemed. Allocations are based on the number of trading units held in the account.The probability of any trading unit held by an account being selected as called
in a partial call is proportional to the total number of trading units held through Pershing.
Once the lottery is complete,Pershing notifies introducing broker-dealers whose introduced accounts have received an allocation. Securities registered in the client's name,either in transit or held in custody,are
excluded from the Pershing lottery process.
Pershing initiates the lottery process by identifying the accounts holding the called security,the total par value of the called securities held,and the trading unit of the security.
Example(unit of trade=$25,000):
}
Client Account Par Value Number of Trading Units
ABC-123234 $100,000 4 !
DEF-325465 $75,000 3
EDR-567433 $150,000 6
EGT-876574 $50,000 2
EGT-888345 $25,000 1
FRT-435234 $25,000 1
FRT-658797 $75,000 3 t
i
In brief,the allocation process involves the following steps:
`The number of trading units held in each account is identified.
'A sequential number is assigned to each trading unit(e.g.,account EDR-567433 would be assigned six numbers).
`A random number is generated that will result in one of these trading units being the first unit in the selection process.
i
Thereafter,the trading units participating in the allocation are based on an incremental random number technique until the number of trading-units allocated to Pershing is exhausted.
Page 14 of 18
Account Number:NGX-006225 ��^^ R r a
H0066773CSF30021
PAR-02-ROLL 'W:paperless E -y_Yj S,'—_2002 an+.e.,a.at w...reniw�ee,ro.+ao+(Auv.rwb..l i
ASK ABOUT IRA FBO STEPHEN MCBRIDE _ Dzc Kce OCOMMUNICATIONS: �^^0�^^^^^FiPRANrSESPC
.�CAMBRIDGE Faun Pleasant 556 R°�
�' INVESTMENT RESEARCH, INC. 641472-5100 /ndi�idua/�9etirement
Account Statement
Statement Period: 12/01/2014-12/31/2014
Messages (continued)
Additional Information
The allocation of called securities is not made on a pro-rata basis.Therefore,it is possible that a client may receive a full or partial redemption of shares held.Conversely,it is also possible that a client may not
have any securities selected for redemption at all.
When a partial call is deemed favorable to the holders of the called security,Pershing will exclude certain accounts from the lottery.Excluded accounts will include Pershing's proprietary and employee
accounts,as well as proprietary and employee accounts of introducing broker-dealers(if Pershing carries and clears those accounts).No allocation will be made to these proprietary and employee accounts until
all other client positions at Pershing in such securities have been called.When a partial call is deemed unfavorable to holders of the called security,Pershing will not exclude any accounts from the lottery.
"If the partial call is made at a price above the current market price as captured in Pershing is price reporting system,Pershing will generally categorize the partial call as one that is favorable to the holders of
such security.If the partial call is made at a price that is equal to or below the current market price of the security as captured in Pershing's price reporting system,Pershing will generally categorize that call as
one that is unfavorable to holders of the security.
Clients have the right to withdraw uncalled,fully paid securities from Pershing at any time prior to the cutoff date and time established by the issuer,transfer agent and/or depository with respect to the partial
call. Clients also have the right to withdraw excess margin securities,provided that the client account is not subject to restriction under Regulation T or that such withdrawal will not cause an under-margined
condition.
WRAP ACCOUNT CUSTOMERS WHO ELECTED NOT TO RECEIVE IMMEDIATE CONFIRMATION OF TRANSACTIONS
The following terms and conditions are applicable only if your account is an investment advisory account and the transaction confirmations are not sent to you(sent only to your fiduciary)pursuant to your
instruction:
1.The following information will be furnished to you upon request to your financial institution("introducing firm")with respect to any transaction for which a confirmation was not sent to you:the market upon which
any transaction was executed;the time of day that any transaction was executed;the name of the person from whom any security was purchased or to whom such security was sold;the source and amount of
other commissions received in connection with any transaction;and a copy of the transaction confirmation.
2.Your introducing firm effected each transaction for which a confirmation was not sent to you as your agent.
3.In connection with each equity security and certain other securities sold,your introducing firm charges to you,and remits to a regulatory organization or national securities exchange,a"Trans.Fee." Pershing
calculates this fee based on amounts paid by your introducing firm to the applicable regulatory organization or national securities exchange. This,in turn,is based on the value of the applicable securities sold.
:To deiet mine the exact amount of this fee;rvifh respect to any transaction;please contact your introducing firm.
4.Your introducing firm does not receive any payment for order flow for any transaction for which a confirmation was not sent to you.
5.Call features may exist for securities. Call features for fixed income securities may effect yield. Complete information will be provided upon request.
Page 15 of 18
B0066773CSF30021 Account Number:NGX-006225. RaI,d E-11111
PAR-02-ROLL Go paperless Every Y—Since 2007 atne m,r<ot Re+v vork t�et�"n oo.,nneton<Iw.w.am7
IRAFBOSTEPHENMCBRIDE ASK ABOUTE-DEUVERY DALHARRAI EDCOMMUNICATIONS F-M—rLLc.„-
O EXCEt.LENfE
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Messages (continued)
6.If any transaction involves an asset-backed security,including a municipal collateralized mortgage obligation,which represents an interest in or is secured by a pool of receivables or other financial assets that
are subject continuously to prepayment,then the actual yield of such security may vary according to the rate at which the underlying receivables or other financial assets are prepaid. Information concerning the
factors that affect yield(including at a minimum estimated yield,weighted average life,and the prepayment assumptions of underlying yield)will be furnished to you upon request to your introducing firm.
> 7.The ratings that appear in the description of some fixed-income securities have been obtained from-ratings services which Pershing beiievevto be'reliable,however,Pershing�cannrivguarantee their accuracy.
Securities for which a rating is not available are marked"unrated."
Important Information and Disclosures
The Role of Pershing
• Pershing carries your account as clearing broker pursuant to a clearing agreement with your financial institution.Pershing may accept from your financial institution without inquiry or investigation(i)orders
for the purchase and sale of securities and other property and(ii)any other instructions concerning your account.Pershing is not responsible or liable for any acts or omissions of your financial institution or
its employees and it does not supervise them.Pershing provides no investment advice nor does it assess the suitability of any transaction or order.Pershing acts as the agent of your financial institution and
you agree that you will not hold Pershing or any person controlling or under common control with it liable for any investment losses incurred by you.
• Pershing performs several key functions at the direction of your financial institution.It acts as custodian for funds and securities you may deposit with it directly or through your financial institution or that it
receives as the result of securities transactions it processes.
• Your financial institution is responsible for adherence to the securities laws,regulations and rules which apply to it regarding its own operations and the supervision of your account,its sales representatives
and other personnel.Your financial institution is also responsible for approving the opening of accounts and obtaining account documents;the acceptance and,in certain instances,execution of securities i
orders;the assessment of the suitability of those transactions,where applicable;the rendering of investment advice,if any,to you and in general,for the ongoing relationship that it has with you.
• Inquiries concerning the positions and balances in your account may be directed to the Pershing Customer Service Department at(201)413-3333.All other inquiries regarding your account or activity should
be directed to your financial institution.Your financial organization's contact information can be found on the first page of this statement.
• For a description of other functions performed by Pershing please consult the Disclosure Statement provided to you upon the opening of your account.This notice is not meant as a definitive enumeration of
every possible circumstance,but as a general disclosure.If you have any questions regarding this notice or if you would like additional copies of the Disclosure Statement,please contact your financial
institution.
• Pershing is a member of the Securities Investor Protection Corporation(SIPC').Please note that SIPC does not protect against loss due to market fluctuation.In addition to SIPC protection,Pershing
provides coverage in excess of SIPC limits.For more detailed information please visit:www.pershing.com/strength_stability.html. ;
• This statement will be deemed conclusive.You are advised to report any inaccuracy or discrepancy(including unauthorized trading)promptly,but no later than ten days after receipt of this statement,to
your financial organization and Pershing.Please be advised that any oral communication should be re-confirmed in writing to further protect your rights,including your rights under the Securities Investor
Protection Act.
• Your financial organization's contact information can be found on the first page of this statement.Pershing's contact information is as follows: Pershing LLC,Legal Department,One Pershing Plaza,
Jersey City,New Jersey 07399;(201)413-3330.Errors and Omissions excepted.
Important Arbitration Disclosures
• All parties to this agreement are giving up the right to sue each other in court,including the right to a trial byjury,except as provided by the rules of the arbitration forum in which a claim is filed.
• Arbitration awards are generally final and binding;a party's ability to have a court reverse or modify an arbitration award is very limited.
• The ability of the parties to obtain documents,witness statements and other discovery is generally more limited in arbitration than in court proceedings.
• The arbitrators do not have to explain the reason(s)for their award,unless,in an eligible case,a joint request for an explained decision has been submitted by all parties to the panel at least 20 days prior to
the first scheduled hearing date.
• The panel of arbitrators will typically include a minority of arbitrators who were or are affiliated with the securities industry.
• The rules of some arbitration forums may impose time limits for bringing a claim in arbitration.In some cases,a claim that is ineligible for arbitration may be brought in court.
• The rules of the arbitration forum in which the claim is filed,and any amendments thereto,shall be inc&porated into this agreement.
important Arbitration Agreement
Any controversy between you and Pershing LLC shall be submitted to arbitration before the Financial Industry Regulatory Authority.No person shall bring a putative or certified class action to arbitration,nor seek
to enforce any predispute arbitration agreement against any person who has initiated in court a putative class action,who is a member of a putative class who has not opted out of the class with respect to any
Page 16 of 18
B0066773CSF30021 Account Number.NGX-006225 RntbdExc IMM - dw" ft*,'ah °""'"Q-UO-DwnotlY.""'^°a"m W6,T
PAR-o2-ROLL Goy paperless f",y Y.111.Since.2007 anr;a...ko/r..�'�.wlen Ceep"-ilC
IRA 1`130 STEPHEN MCBRIDE ASK ABOUTEOEUV[RY DAUiAR:RATEDCOMMUNICATIONS n.a+n0 1e.nwna.Fl��ar9E;Sx
'EXCELLENCE
- 7T16 Plnsanr Plain Road I
..--CAMBRIDGE Fairfield,IA 52556 /ndi�rdua/Retirement
INVESTMENT RESEARCH, INC. 647-472-5100 /�/�/� q
Accoillit Stc3ARM4�l7t
Statement Period:12/01/2014-12/31/2014
Important Information and Disclosures (continued)
Important Arbitration Agreement(continued)
claims encompassed by the putative class action until;(1)the class certification is denied;(II)the class is decertified;or(III)the client is excluded from the class by the court.Such forbearance to enforce an
agreement to arbitrate shall not constitute a waiver of any rights under this agreement except to the extent stated herein.The laws of the State of New York govern.
Pershing's contact information is as follows: Pershing LLC,Legal Department,One Pershing Plaza,Jersey City,New Jersey 07399;(201)413-3330.
I
Page 11 of 18
,I
Account Number:NGX-006225 RatRQ'£xtallent gro ,ry
B0066773CSF30021 PAR-02-ROLL GO paperless Every Year Sl-2007
IRA FBO STEPHEN MCBRIDE ASKAeotrt E-DELIVERY DALOAR RATED COMMUNICATIONS Poa++ro tic naaee.E xRw:«rs.svc
'�'-•"" EXCELLENCE
TERMS AND CONDITIONS
TRANSACTIONS PAYMENT FOR ORDER FLOW AND ORDER ROUTING POLICIES DISCLOSURES[REGULATION NMS-RULE 807(A)(i)-(2)]
• ALL ORDERS AND TRANSACTIONS SHALL BE SOLELY FOR YOUR ACCOUNT AND RISK SHALL BE SUBJECT TO THE PERSHING SENDS CERTAIN EQUITY ORDERS TO EXCHANGES,ELECTRONIC COMMUNICATION NETWORKS,OR BROKER-
CONSTITUTION,RULE$,REGULATIONS,CUSTOMS,USAGES,RULINGS AND INTERPRETATIONS OF THE EXCHANGE OR I DEALERS DURING NORMAL BUSINESS HOURS AND DURING EXTENDED TRADING SESSIONS.CERTAIN OF THESE VENUES
MARKETAND THE GL'EARING FACILITY,IF_ANY,WHERE THE TRANSACTIONS ARE EXECUTED AND/OR ST(_
ETED,OR IF PRC'✓i!'.'.E PAYMENTS TO PERSHING OR CHARGE ACCESS FEES TO PERSHING DEPENPINO'UPON THE CHARACTERISTICS
BL
APPLICAE,OF THE FINANCIAL INDUSTRY REGULA TOR_Y AUTHORITY AND TO ALL APPLICABLE LAWS AND � �- OF THE ORDER AND ANY SUBSEQUENT EXECUTION.THE DETAILS OF THESE PAYMENTS AND FEES ARE AVAILABLE UPON
REGULATIONS. WRITTEN REQUEST.PERSHING RECEIVES PAYMENTS FOR DIRECTING LISTED OPTIONS ORDER FLOW TO CERTAIN
• TITLE TO SECURITIES SOLD TO YOU,WHERE PERSHING HAS ACTED AS PRINCIPAL,SHALL REMAIN WITH PERSHING OPTION EXCHANGES.IN ADDITION,PERSHING ROUTES CERTAIN EQUrTYAND OPTION ORDERS TO ITS AFFILIATE,SNY
UNTIL THE ENTIRE PURCHASE PRICE IS RECEIVED OR UNTIL THE SETTLEMENT DATE,WHICHEVER IS LATER. MELLON CAPITAL MARKETS,LLC,FOR EXECUTION AS PRINCIPAL.COMPENSATION IS GENERALLY IN THE FORM OF A PER
OPTION CONTRACT CASH PAYMENT.
• YOU MAY HAVE RECEIVED CONFIRMATIONS FOR TRANSACTIONS WHICH DO NOT APPEAR ON YOUR STATEMENT.IF BEST EXECUTION:NOTWITHSTANDING THE PREVIOUS PARAGRAPH REGARDING PAYMENT FOR ORDER FLOW,PERSHING
SO,THE TRANSACTIONS WILL APPEAR ON YOUR NEXTPERIODIC STATEMENT.SUCH TRANSACTIONS MUST BE SELECTS CERTAIN MARKET CENTERS TO PROVIDE EXECUTION OF OVER-THE-COUNTER AND EXCHANGE-LISTED
CONSIDERED BY YOU WHEN COMPUTING THE VALUE OF YOUR ACCOUNT.THIS IS ESPECIALLY TRUE IF YOU HAVE SECURITIES TRANSACTIONS WHICH AGREE TO ACCEPT ORDERS,TRANSMITTED ELECTRONICALLY UP TO A SPECIFIED
WRITTEN OPTIONS WHICH HAVE BEEN EXERCISED. SIZE,AND TO EXECUTE THEM AT OR BETTER THAN THE NATIONAL BEST BID OR OFFER(NBBO).ON CERTAIN LARGER
FREE CREDIT BALANCES:ANY FREE CREDIT BALANCE CARRIED FOR YOUR ACCOUNT REPRESENTS FUNDS PAYABLE ORDERS,OR IF THE DESIGNATED MARKET CENTERS DO NOT MAKE A MARKET IN THE SUBJECT SECURITY,PERSHING �I
UPON DEMAND WHICH,ALTHOUGH PROPERLY ACCOUNTED FOR ON PERSHING'S BOOKS OF RECORD,ARE NOT DIRECTLY CONTACTS MARKET CENTERS TO OBTAIN AN EXECUTION.THE DESIGNATED MARKET CENTERS TO WHICH
SEGREGATED AND MAY BE USED IN THE CONDUCT OF ITS BUSINESS. ORDERS ARE AUTOMATICALLY ROUTED ARE SELECTED BASED ON THE CONSISTENT HIGH QUALITY OF THEIR
DEBIT BALANCES:INTERESTCHARGED ON DEBIT BALANCES IN YOUR ACCOUNT APPEARS ON THE STATEMENT.THE EXECUTIONS IN ONE OR MORE MARKET SEGMENTS AND THEIR ABILITY TO PROVIDE OPPORTUNITIES FOR EXECUTIONS
RATE OF INTERESTAND PERIOD COVERED ARE INDICATED.THE RATE MAY CHANGE FROM TIME TO TIME DUE TO AT PRICES SUPERIOR TO THE NBSO.PERSHING ALSO REGULARLY REVIEWS REPORTS FOR QUALITY OF EXECUTION
FLUCTUATIONS IN MONEY RATES OR OTHER REASONS.INTEREST IS COMPUTED AS DESCRIBED IN MATERIAL PURPOSES.
PREVIOUSLY FURNISHED TO YOU.PLEASE CONTACT YOUR FINANCIAL INSTITUTION IF YOU DESIRE ADDITIONAL COPIES. WRAP ACCOUNT CUSTOMERS WHO ELECTED NOT TO RECEIVE IMMEDIATE CONFIRMATION OF TRANSACTIONS
MARGIN INFORMATION:IF YOU MAINTAIN A MARGIN ACCOUNT,THIS IS A COMBINED STATEMENT OF YOUR GENERAL THE FOLLOWING TERMS AND CONDITIONS ARE APPLICABLE ONLY IF YOUR ACCOUNT IS AN INVESTMENT ADVISORY
ACCOUNT AND A SPECIAL MEMORANDUM ACCOUNT MAINTAINED FOR YOU UNDER REGULATION T OF THE BOARD OF ACCOUNT AND THE TRANSACTION CONFIRMATIONS ARE NOT SENT TO YOU(SENT ONLY TO YOUR FIDUCIARY)
GOVERNORS OF THE FEDERAL RESERVE SYSTEM.THE PERMANENT RECORD OF THE SEPARATE ACCOUNTAS PURSUANT TO YOUR INSTRUCTION:
REQUIRED BY REGULATION T IS AVAILABLE FOR YOUR INSPECTION UPON REQUEST. WRAP ACCOUNT TRANSACTIONS
TAX INFORMATION
• THE FOLLOWING INFORMATION WILL BE FURNISHED TOYOUUPON REQUEST TO YOUR FINANCIAL INSTITUTION
• AFTER YEAR END,PERSHING IS REQUIRED TO PROVIDE TAX INFORMATION TO THE INTERNAL REVENUE SERVICE AND (-INTRODUCING FIRM-)WITH RESPECT TO ANY TRANSACTION FOR WHICH A CONFIRMATION WAS NOT SENT TO YOU:
OTHER GOVERNMENTAL AUTHORITIES.AT THAT TIME PERSHING WILL PROVIDE THAT INFORMATION ON THE ANNUAL THE MARKET UPON WHICH ANY TRANSACTION WAS EXECUTED;THE TIME OF DAY THAT ANY TRANSACTION WAS
TAX INFORMATION STATEMENT TO YOU;USE THAT STATEMENT TO PREPARE YOUR TAX FILINGS.THE TAX EXECUTED;THE NAME OF THE PERSON FROM WHOM ANY SECURITY WAS PURCHASED OR TO WHOM SUCH SECURITY
STATEMENT ALSO INCLUDES OTHER USEFUL INFORMATION TO ASSIST IN ACCUMULATING THE DATA TO PREPARE WAS SOLD;THE SOURCE AND AMOUNT OF OTHER COMMISSIONS RECEIVED IN CONNECTION WITH ANY
YOUR TAX RETURNS. TRANSACTION;AND A COPY OF THE TRANSACTION CONFIRMATION.
• DIVIDENDS,INTERESTAND OTHER DISTRIBUTIONS SHOWN ON THIS STATEMENT WERE CLASSIFIED AS TAXABLE OR • YOUR INTRODUCING FIRM EFFECTED EACH TRANSACTION FOR WHICH A CONFIRMATION WAS NOT SENT TO YOU AS
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