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HomeMy WebLinkAbout01-1026 H105.112 REV. 8188 (FEE FOR THIS CERTIFICATE 52.001 WARNING: IT IS IllEGAL TO ALTER THIS COpy OR TO DUPLICATE BY PHOTOSTAT OR PHOTOGRAPH. . COMMONWEALTH OF PENNSYLVANIA . DEPARTMENT OF HEALTH VITAL RECORDS LOCAL REGISTRAR'S CERTIFICATION OF DEATH CERT. NO. T 4 8 0 6 3 4 0 ..-,;tfi!i'llll'" /""~"" lll"~~\.\\\ OF Pf,l-----_ \\\~7~;Pcf);--- ~l~~? .. ..~~ ... \~\ !~! .', ~~ \~i ~ B(~ -~~f1-" l~~ l*~ .~. )/*~, \. ~\ c/".... / ~// ~ ~" . .~f ~~~~~~~Moo~;",l\ "'''''//1'11111# 2-27-01 Date 01 Issue 01 This Certification Name of Decedent HELEN First LONG Middle SMITH Last Sex FEMALE Social Security No. 158-20-3384 Date of Death 2-26-01 Date of Birth 5-14-13 Birthplace PENNSYLVANIA Place of Death MESSIAH VILLAGE CUMBERLAND MT. ALLEN TWP. Pennsylvania Facility Name County City, Borough or Township Race WHITE Occupation LIBRARIAN Armed Forces? (Yes or No) Decedent's WIDOWED Mailing Address 100 MT. ALLEN DR. MECHANICSBURG Number Street City or Town NO Marital Status PA State Informant KAREN BOYER Name and Address of Funeral Establishment BOYER FUNERAL HOME Funeral Director KRISTINE M. BOSTIAN Part I: I mmediate Cause 144 E. HIGH STREET ELIZABETHTOWN, PA Interval Between Onset and Death (a) SEPSIS (b) PNEUMONIA (c) (d) Part II: Other Significant Conditions NIDDM, PVD, SDAT, DYSPHAGIA Manner of Death Natural B Accident D Suicide D Describe how injury occurred: Homicide Pending Investigation Could not be Determined o D D Name and Title of Certfier JAMES ALAN TYNDALL, M.D. (M.D., D.O., Coroner, M.E.) Address 10 B LOWTHER LEMOYNE This is to certify that the information here given is correctly copied from an original certificate of death duly filed with me as Local Registrar. The original certificate will be forwarded to the State Vital Records Office for permanent filing. 36-338 District No. 2-27-01 [)8tP Rer.ei\ied by' Local Registrar 25 IRIS CIRCLE Street Address ELIZABETHTOWN City, Borough , Township l, \ E- -- IN RE: HELEN L. SMITH DECLARATION OF TRUST dated December 27, 1991. ' : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : ORPHANS' COURT DIVISION . ; FILE NO. A& () \ - t D2lp It. ~ AND NOW, thi~ day of . , 2001, upon consideration of the foregoing Petition for Appointment of Successor Trustee, and pursuant to 20 Pa.C.S. ~7101, it is hereby ordered that the relief requested in the Petition is granted, and that the Petitioner, Karen L. Boyer, is authorized to serve as Successor Trustee, without the necessity of posting bond. BY THE COURT, ,1. " ... NOV 0 8 Z001 E:. fL )' IN RE: HELEN L. SMITH DECLARATION OF TRUST dated December 27, 1991. : IN THE COURT OF COMM:ON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : ORPHANS' COURT DMSION ; FILENO. 21 -- Dl- ) D2~ PETITION FOR APPOINTMENT OF SUCCESSOR TRUSTEE AND NOW, comes Karen L. Boyer (hereinafter "Petitioner"), by and through her attorneys, Gates & Associates, P.C., and respectfully makes the following petition: 1. Petitioner is an adult individual residing at 1459 Mt. Gretna Road, Elizabethtown, Lancaster County, Pennsylvania 17022. 2. Prior to her passing, Helen L. Smith was a resident of Messiah Village located at 100 Mt. Allen Drive, Mechanicsburg, Cumberland County, Pennsylvania 17055. 3. Helen L. Smith died on February 26,2001. 4. During her lifetime, Helen L. Smith established the Helen L. Smith Declaration of Trust dated December 27, 1991 (hereinafter "the Trust"), by and between herself as Grantor and Trustee. A copy of the Trust is attached hereto as Exhibit "A" and is incorporated herein by reference. 5. Upon the death of the Grantor, the Trust is to be distributed in equal shares, per stirpes, to the Grantor's cousin, Isabelle B. Bole, niece, Karen Boyer, niece, Sally Long, nephew, Bruce Long, nephew, Robert Long, nephew, Gary Long, nephew, Bany Long, nephew, Dennis Long, nephew, Peter Long, nephew, Walter Long. 2 't 6. Article Eleventh of the Trust entitled "Appointment of Trustee", appoints Apollo Trust Company, a Pennsylvania state-chartered trust company, having its principal offices at 201 North Warren Avenue and 308 North Second Street, Apollo, Armstrong County, Pennsylvania 15613. 7. Apollo Trust Company has declined to act as successor trustee of the Trust and has executed a Resignation of Trustee, a copy of which is attached hereto as Exhibit "B"; 8. Upon the death of the Grantor, the Trust does not name a trustee to act in the event of the resignation of the named successor trustee and does not give the successor trustee the power to appoint a second successor trustee; 9. There is currently no individual or corporation acting as trustee of the Trust; 10. Petitioner acted as attorney-in-fact for Helen L. Smith prior to Helen's passing; 11. Petitioner desires to be and hereby accepts her appointment as Successor Trustee of the Trust pursuant to the Acceptance of Appointment as Successor Trustee attached hereto as Exhibit "C"; 12. The beneficiaries of the Trust have been notified of this Petition by a copy of the same, and have executed a Consent to the Petitioner being appointed as Successor Trustee of the Trust and a copy of all Consents are attached hereto as Exhibit "D". 13. All parties to the Consents are sui juris. 14. This Court may approve the Agreement and authorize the appointment of Petitioner as Successor Trustee of the Trust pursuant to 20 P.S. Sections 711(3) and 7101. 3 .... 15. The third paragraph of Article Eleventh of the Trust, entitled '"Appointment of Trustee", provides that no bond or other security shall be required of any Trustee. 16. Petitioner is not aware of any other parties who would be prejudiced by the relief requested herein. WHEREFORE, Karen L. Boyer, the Petitioner herein, respectfully requests that the Court enter an order authorizing her to act as Successor Trustee of the Trust. Dated: N tJVefN1/~//V t, , 2001 4 -. VERIFICATION The undersigned hereby verifies that the facts averred in the foregoing petition are true and correct to the best of her knowledge, information and belief. This verification is made subject to the penalties of 18 Pa.C.S. 94904 relating to unsworn falsification to authorities. Dated: Ie) I~.ol ~~ . ar L. Boy~, Petition 5 It DECLARATION OF TRUST made as of December 27, 1991 by HELEN L SMITH GRANTOR and HELEN L SMITH TRUSTEE . ARTICLE FIRST SECOND THIRD FOURTH FIFTH SIXTH SEVENTH EIGHTH NINTH TENTH ELEVENTH TWELFTH THIRTEENTH FOURTEENTH FIFTEENTH SIXTEENTH TABLE OF CONTENTS TITLE Directions Of Grantor Disability Of Grantor Successor Beneficiaries Minors Or Incompetents Payment Of Debts Life Insurance and Death Benefits Right To Revoke Or Amend Termination Of Trusts Powers Of Trustee Third Parties Appointment Of Trustee Simultaneous Death Trustee Decisions Conclusive Rights Not Assignable Construction Binding Effect . DECLARATION OF TRUST DECLARATION OF TRUST, made as of December 27, 1991, between Helen L. Smith, having an address at 119 North Paint Boulevard, Shippenville, Pennsylvania 16254, as grantor (herein- after referred to as the "Grantor"), Helen L. Smith, having an address as aforesaid, as trustee (hereinafter referred to as the "Trustee"). WIT N E SSE T H: WHEREAS, the Grantor desires to create a revocable trust of the property described in Exhibit A hereto, together with such monies, securities and other assets as the Trustee hereafter at any time may hold or acquire hereunder (said property, monies, secu- rities and other assets, together with any additions thereto re- ceived pursuant to the Grantor's Last will and Testament or as the proceeds of insurance on the Grantor's life, or as death benefits or otherwise, being hereinafter referred to as the "trust fund"), for the purposes and upon the terms and conditions hereinafter set forth. NOW, THEREFORE, in consideration of the covenants herein contained, and other valuable consideration, the receipt and suffi- ciency of which hereby is ackno~lledged, the Grantor hereby trans- fers, conveys, assigns and delivers to the Trustee as and for the trust fund the property more particularly described in Exhibit A hereto, to hold the same, and any other property which the Trustee hereafter may acquire, IN TRUST, for the purposes and upon the terms and conditions hereinafter set forth: ARTICLE FIRST Directions Of Grantor The Trustee shall hold, manage, invest and reinvest the trust fund, shall collect the income therefrom, and shall pay the net income and any part or all of the principal thereof to whomever the Grantor from time to time may direct in writing. Any income not so paid or applied shall be accumulated and added to the prin- cipal of this trust at least quarter-annually and thereafter shall be held, administered and disposed of as part thereof. 1 eo ARTICLE SBCOm> Disabilitv Of Grantor If at any time the Grantor, in the judgment of the suc- cessor Trustee, shall be under any legal disability or shall be unable to manage properly her affairs by reason of illness or mental or physical disability, the successor Trustee may payor ap- ply so much or all of the net income and the principal of the trust fund as the successor Trustee deems necessary or advisable for the health, education, maintenance or support of the Grantor, or for the payment of insurance premiums on life of the Grantor. Any in- come not so paid or applied shall be accumulated and added to the principal of this trust at least quarter-annually and thereafter shall be held, administered and disposed of as- part thereof. In making any payment hereunder, the successor Trustee may consider, but shall not be required to consider, the income and other resour- ces of the Grantor. No such payment shall be charged upon a subse- quent division of the trust fund against the principal of any share which may be set apart for any beneficiary hereunder. ARTICLE THIRD Successor Beneficiaries Upon the death of the Grantor, the Trustee shall pay and distribute the trust fund at that time remaining to The Grantor's cousin, Isabelle B. Bole, niece, Kar~n Boyer, niece, Sa~ly Long, nephew, Bruce Long, nephew, Robert L~ng, nephew, Gary~Long, nephew, Barry Long, nephew, Oennis......Long, nephew, pete.r Long, nephew, Walter Long, if then living, in equal shares, per stiroes, discharged of trust. ARTICLE FOORTH Distributions To Minors Or Incomoetents In any case in which the Trustee is authorized or dir- ected by any provision of this Agreement to payor distribute in- come or principal to any person who shall be a minor or incompe- tent, the Trustee, in its sole discretion and without authorization of any court, may payor distribute the whole or any part of such income or principal to such minor or incompetent personally, or may apply the whole or any part thereof directly to the health, educa- tion, maintenance or support of such minor or incompetent, or may payor distribute the whole or any part thereof to the guardian, committee, conservator or other legal representative, wherever ap- pointed, of such minor or incompetent or to the person with whom such minor or incompetent may from time to time reside, or in the 2 . case of a minor, may payor distribute the whole or any part there- of to a custodian for such minor under any gifts to minors or transfers to minors act. The receipt of the person to whom any such payment or distribution is so made shall be a sufficient dis- charge therefor, even though the Trustee may be such person. The Trustee, in its sole discretion, may defer payment or distribution of any or all income or principal to which a minor may be entitled until such minor shall attain the age of twenty-one (21) years, or to make such payment or distribution at any time and from time to time, during the minority of such minor, holding the whole or the undistributed portion thereof as a separate fund vested in such minor but subject to the power in trust hereby given to the Trustee to administer and invest such fund and to use the income or principal thereof for the benefit of such minor as if such fund were held in trust hereunder. The Trustee shall pay and distribute any balance of such fund to such minor when such minor shall attain the age of twenty-one (21) years. Except as is here- inabove provided, if such minor shall die before attaining the age of twenty-one (21) years, the Trustee shall pay and distribute such balance to the executors, administrators or legal representatives of the estate of such minor, or if there shall be no such legal re- presentative, to such persons as would have inherited the same and in the same proportions as they would have taken if such minor had died intestate, unmarried, the absolute. owner thereof and a resident of the state in which such minor shall die domiciled. The word "minor", wherever used in this Article FOURTH, shall mean any person who has not attained the age of twenty-one (21) years. ARTICLE FIFTH PaYment Of Debts Upon the death of the Grantor, the Trustee may pay from the principal of the trust fund the amount of any estate or death taxes, by whatever name called, imposed under the laws of any jur- isdiction by reason of the Grantor's death, whether in respect of property passing under this Agreement or the Grantor's Last will and Testament or otherwise, and the amount of all of the debts which the Grantor's estate must pay, the expenses of her last illnesses and funeral, and the expenses of administering her estate. The Trustee may rely upon the written certification of the executors, administrators or legal representatives of the Grantor IS estate as to the amount of any such tax, debt or expense, without any duty to inquire as to the correctness thereof, and, in its dis- cretion, may make payment thereof either to said executors, admin- istrators or legal representatives or to the taxing authority or person to whom such amount is owed. 3 ARTICLE SIXTH Life Insurance and Death Benefits with respect to any insurance policies or employee death benefits payable to the Trustee, the Trustee, upon being advised that any sum is so payable by reason of the death of-the Grantor, shall endeavor to collect the same, and may bring a suit or action therefor, or may compromise, adjust, settle or submit to arbitra- tion any claims therefor. The Trustee shall be entitled to reim- bursement from the trust fund for all expenses incurred by the Trustee in collecting or attempting to collect any such sum by sui t, action or otherwise. The Trustee, however, shall be under no duty to bring a suit or action unless the expenses of the Trustee, including attorneys' fees, shall have been advanced or guaranteed to the satisfaction of the Trustee. The Trustee may, out of the trust fund, repay any advances made by the Trustee or reimburse the Trustee for any expenses incurred in collecting or attempting to collect any sum as aforesaid. The Trustee in no case shall be under any duty or obliga- tion to make any claim against the Grantor's estate, or take any action against the executors, administrators or legal representa- tives of the Grantor's estate, for reimbursement for any reduction of the sums payable upon the death of the Grantor by reason of un- paid premiums or for any other cause, including any loans and in- terest thereto secured by any insurance policies. During the life of the Grantor, the Trustee may, in its discretion, apply the net income or principal of the trust fund to the payment of premiums on any life insurance policy of which the Trustee or any trust hereunder is beneficiary. If the net income and principal is insufficient to pay such premiums, the Trustee may notify the Grantor and the beneficiaries of the trust of such insufficiency and give them the opportunity to furnish the neces- sary funds. If neither the Grantor nor any of the beneficiaries furnishes the funds necessary to pay the premiums, the Trustee may, but shall not be obligated to, obtain the funds required to pay such premiums by selling a portion of the principal of the trust fund, by borrowing on the security of such principal, by borrowing against the cash surrender value of the policy or by surrendering some policies and using the proceedS to pay the premiums on other policies. The Trustee also is authorized to convert such policies to paid-Up or extended term insurance if the trust fund does not have the necessary funds to pay the premiums. If no funds are available for the payment of the premiums of any insurance policy, the Trustee may assign ownership of such policy to any or all of the then living income beneficiaries of the trust. The Grantor retains, during her life, all of the rights, options and privileges reserved to or conferred upon her by the terms of said insurance policies or employee death benefit plans, 4 eluding without limitation the right to borrow upon and pledge .le same, to change the beneficiary thereof, to convert the same ~nto other forms of insurance, to collect the cash value thereof, to permit or direct the same to lapse, and to receive dividends and other lifetime benefits of any kind payable to her by the terms thereof. The Grantor may exercise the foregoing rights without the consent of the Trustee or any beneficiary hereunder. ARTICLB SEVENTH Riqht To Revoke Or Amend The Grantor reserves the right, at any time and from time to time, and without the consent of any per$on or notice to any person other than the Trustee, to amend or revoke in whole or in part this Agreement or any trust created hereunder, or to change the terms or beneficiaries thereof, by delivering to the Trustee written notice of such revocation or change signed by the Grantor. Any such change, however, shall not increase the obligations, or reduce the commissions,. of the Trustee without the consent of the Trustee. Upon any such revocation, the Trustee shall deliver to the Grantor all property in the possession or control of the Trust- ee with respect to any trust which has been revoked and shall exe- cute and deliver any instruments necessary to release any interest of the Trustee in such property. The sale or other disposition by the Grantor of the whole or any part of the trust fund held here- under shall constitute as to such whole or part a revocation of this Agreement and the trust or trusts affected thereby. The Grantor reserves the power and right during the life of the Grantor to collect any rent, interest or other income which may accrue from the trust fund and, in her sole discretion, to ac- cumulate such income as a trust asset or to pay such income to the Grantor individually and not in any fiduciary capacity. The Grant- or further reserves the power and right during life of the Grantor to mortgage or pledge all or any part of the trust fund as colla- teral for any loan. ARTICLE EIGHTH Termination Of Trusts Notwithstanding anything to the contrary contained here- in, if the principal of any trust created under this Agreement is less than $1,000.00 at any time, the Trustee, in its sole discre- tion, may pay and distribute the entire principal of such trust and all accrued and undistributed income to the beneficiaries of such trust, discharged of trust, and such trust thereupon shall termi- nate. 5 ARTICLE NINTH Powers Of Trustee In the administration of any property, real or personal, at any time forming a part of the trust fund, including accumulated income, and in the administration of any trust created hereunder, the Trustee, in addition to and without limitation of the powers provided by law, shall have the following powers to be' 'exercised in the absolute discretion of the Trustee, except as otherwise ex- pressly provided in this Agreement: (a) To retain such property for any period, whether or not the same is of the character permissible for invest- ments by fiduciaries under any applicable law, and with- out regard to the effect any such retention may have upon the diversity of investments. (b) To sell, transfer, exchange, convert or otherwise dispose of, or grant options with respect to, such prop- erty, at public, or private sale, with or without security, in such manner, at such times, for such prices, and upon such terms and conditions as the Trustee may deem advisable. (c) To invest and reinvest in common or preferred stocks, securities, investment trusts, bonds and other property, real or personal, foreign or domestic, including any undivided interest in anyone or more common trust funds, whether or not such investments be of the character permissible for investments by fiduciaries under any applicable law, and without regard to the ef- fect any such investment may have upon the diversity of investments. (d) To render liquid the trust fund or any trust created hereunder in whole or in part, at any time and from time to time, and to hold cash or readily marketable securi- ties of little or no yield for such period as the Trustee may deem advisable. (e) To lease any such property beyond the period fixed by statute for leases made by fiduciaries and beyond the duration of any trust created hereunder. (f) To join or become a party to, or to oppose, any re- organization, readjustment, recapitalization, foreclo- sure, merger, voting trust, dissolution, consolidation or exchange, and to deposit any securities with any committee, depository or trustee, and to pay any fees, expenses and assessments incurred in connection there- with, and to charge the same to principal, and to exer- 6 . -' (1) To make distribution of the trust fund or of the principal of any trust created hereunder in kind, and to cause any distribution to be composed of cash, property or undivided fractional shares in property different in kind from any other distribution, without regard to the income tax basis of the property distributed to a.ny bene- ficiary of any trust. (m) To allocate receipts and disbursements of the trust fund between income and principal as the Trustee in its discretion may determine. (n) To execute and deliver any and all instruments or writings which it may deem advisable to carry 'out any of the foregoing powers. No party to any such instruments or writings shall be obligated to inquire into its validity. (0) To exercise 'all such rights and powers and to do all such acts and enter into all such agreements as persons owning similar property in their own right might lawfully exercise, do.or enter into. No person who deals with any Trustee hereunder shall be bound to see to the application of any asset delivered to such Trustee or to inquire into the authority for, or propriety of, any action taken or not taken by such Trustee. Notwithstanding anything to the contrary contained here- in, during such time as any beneficiary of any trust created here- under (other than the Grantor) may be acting as a Trustee here- under, such person shall be disqualified from exercising any power to make any discretionary distributions of income or principal to himself or to make discretionary allocations in his own favor of receipts or disbursements as between income and principal. No Trustee shall be liable for acts or omissions in ad- ministering the trust fund or any trust created by this Agreement, except for that Trustee's own actual fraud, gross negligence or willful misconduct. If any Trustee becomes liable as Trustee to any pther person who is not a beneficiary in connection with any matter not within the Trustee's control and not due to the Trust- ee's actual fraud, gross negligence or willful misconduct, such Trustee shall be fully indemnified and held harmless by the trust fund and any trust created hereunder giving rise to such liability, as the case may be, against and in respect of any damages that such Trustee may sustain, including without limitation attorneys' fees. No successor Trustee shall incur any liability as a result of qualifying as a Trustee hereunder before receiving an account of the previous administration of the trust fund and the trusts creat- ed hereunder. 8 cise conversion, subscription or other rights, and to make any necessary payments in connection therewith, or to sell any such privileges. (g) To vote in person at meetings of stock or security holders and adjournments thereof, and to vote by general or limited proxy with respect to any stock or securities. (h) To hold stock and securities in the name of a nominee without indicating the trust character of such holding, or unregistered or in such form as will pass by delivery, or to use a central depository and to permit registration in the name of a nominee. (i) To pay, compromise, compound, adjust, submit to arbitration, sell or release any claims or demands of the trust fund or any trust created hereunder against others or of others against the same as the Trustee may deem advisable, including the acceptance of deeds of real property in satisfaction of notes, bonds and mortgages, and to make any p~yments in connection therewith which the Trustee may deem advisable. (j) To borrow money for any purpose from any source, in- cluding any trustee at any time acting hereunder, and to secure the repayment of any and all amounts so borrowed by mortgage or pledge of any property. (k) To possess, manage, insure against loss by fire or other casualties, develop, subdivide, control, partition, mortgage, lease ,or otherwise deal with any and all real property; to satisfy and discharge or extend the term of any mortgage thereof; to execute the necessary instru- ments and covenants to effectuate the foregoing powers, including the giving or granting of options in connection therewith; to make repairs, replacements and improve- ments, structural or otherwi.se, or abandon the same if deemed to be worthless or not of sufficient value to warrant keeping or protecting; to abstain from the pay- ment of real estate taxes, assessments, water charges and se~"'er rents, repairs, maintenance and upkeep of the same; to permit to be lost by tax s'ale or other proceeding or to convey the same for a nominal consideration or without consideration; to set up appropriate reserves out of in- come for repairs, modernization and upkeep of buildings, incl uding reserves for depreciation and obsolescence, and to add such reserves to principal and, if the income from the property itself should not suffice for such purposes, to advance out of other income any sums needed therefor, and advance any income of the trust for the amortization of any mortgage on property held in the trust. 1 (1) To make distribution of the trust fund or of the principal of any trust created hereunder in kind, and to cause any distribution to be composed of cash, property or undivided fractional shares in property different in kind from any other distribution, without regard to the income tax basis of the property distributed to any bene- ficiary of any trust. (m) To allocate receipts and disbursements of the trust fund between income and principal as the Trustee in its discretion may determine. (n) To execute and deliver any and all instruments or writings which it may deem advisable to carry 'out any of the foregoing powers. No party to any such instruments or writings shall be obligated to inquire into its validity. (0) To exercise all such rights and powers and to do all such acts and enter into all such agreements as persons owning similar property in their own right might lawfully exercise, do or enter into. No person who deals with any Trustee hereunder shall be bound to see to the application of any asset delivered to such Trustee or to inquire into the authority for, or propriety of, any action taken or not taken by such Trustee. Notwithstanding anything to the contrary contained here- in, during such time as any beneficiary of any trust created here- under (other than the Grantor) may be acting as a Trustee here- under, such person shall be disqualified from exercising any power to make any discretionary distributions of income or principal to himself or to make discretionary allocations in his own favor of receipts or disbursements as between income and principal. No Trustee shall be liable for acts or omissions in ad- ministering the trust fund or any trust created by this Agreement, except for that Trustee's own actual fraud, gross negligence or willful misconduct. If any Trustee becomes liable as Trustee to any other person who is not a beneficiary in connection with any matter not within the Trustee's control and not due to the Trust- ee's actual fraud, gross negligence or willful misconduct, such Trustee shall be fully indemnified and held harmless by the trust fund and any trust created hereunder giving rise to such liability, as the case may be, against and in respect of any damages that such Trustee may sustain, including without limitation attorneys' fees. No successor Trustee shall incur any liability as a result of qualifying as a Trustee hereunder before receiving an account of the previous administration of the trust fund and the trusts creat- ed hereunder. 8 The Trustee is authorized, but not required, to accept ny property transferred to the Trustee by any person during such ~erson' s lifetime or by such person's Last will and Testament. Any property so transferred by any person shall become a part of such trust or trusts created by this Agreement as such person shall direct and may be commingled with the other property in the trust or trusts to which such property has been added and shall be held, administered and disposed of as a part of such trust or trusts. The Trustee, at any time and from time to time, may render to the Grantor an account of its acts and transactions as Trustee with respect to the income and principal of any trust created hereunder, from the date of creation of such trust or from the date of the last previous account of the Trustee. Such account shall be rendered in any form acceptable to ,the Grantor and the Trustee. The Grantor shall have full power and authority on behalf of all persons interested in such trust, whether such interest relates to income or principal, to settle and adjust such account. Such settlement shall be final and conclusive upon all persons so interested in such trust and the Trustee shall not be required to obtain jUdicial approval of the account or accounts so settled. Upon such settlement, 'the Trustee shall be fully and completely discharged and released from all further liability, responsibility and accountability for or with respect to their acts and trans- actions as set forth in the account or accounts so settled. Nothing herein, however, shall be construed as a limitation upon the right of the Trustee to seek judicial settlement of their ac- count or accounts whether or not such account or accounts are so settled. ARTICLB TENTH Third Parties Not ResDoDsible For Administration This trust is created with the express understanding that each bank at which an account is maintained shall have no responsi- bility or liability whatsoever to see to the proper administration of this trust. Upon the transfer of the right, title and interest in and to any account by any Trustee hereunder, the bank shall conclusively treat the transferee as the sole owner of such account. Until the bank shall receive from some person interested in this trust written notice of any death or other event upon which a right to receive income or principal may depend, the bank shall incur no liability for payment made in good faith to persons whose interests shall have been affected by such event. The bank shall be protected in acting upon any notice or other instrument or docu- ment believed by it to be genuine and to have been signed or pre- sented by the proper party or parties. This trust is created with the express understanding that each issuer, transfer agent or custodian of any securities held 9 hereunder shall have no responsibility or liability to see to the proper administration of this trust. Upon the transfer of the right, title and interest in and to such account by any trustee hereunder, said issuer, transfer agent or custodian shall con- clusively treat the transferee as the sole owner of such securities. until the issuer, transfer agent or custodian shall receive from some person interested in this trust written notice of any death or other event upon which a right to receive income or principal may depend, the issuer, transfer agent or custodian shall incur no liability for payment made in good faith to persons whose interests shall have been affected by such event. The issuer, transfer agent or custodian shall be protected in acting upon any notice or other instrument or document believed by it to be genuine and to have been signed or presented by the proper party or parties. ARTICLE ELEVENTH ADDointment Of Trustee The Grantor appoints herself as Trustee hereunder. The Grantor hereby appoints Isabelle B. Bole, having an address at RD 3, Box 261, Valencia, Pennsylvania 16059-9123, as successor Trustee hereunder, to serve in the event of the Grantor's physical or mental incapacity. In the event that Isabelle B. Bole shall be unwilling or unable to serve in this capacity, then the Grantor appoints Karen Boyer, having an address at 1459 Mount Gretna Road, Elizabeth Town, Pennsylvania 16022, to serve in her stead in the event of the Grantor's physical or mental incapacity. The Grantor appoints Apollo Trust Company, having an address at Box 247, 1(- Apollo, Pennsylvania 15613-0247, to serve as Successor Trustee upon the death of the Grantor. The term "Trustee" wherever used herein shall mean the trustee in office from time to time. Any such trustee shall have the same rights, powers, duties, authority and privileges, whether or not discretionary, as if originally appointed hereunder. No bond or other security shall be required of any Trustee acting hereunder for the faithful performance of the duties of Trustee, notwithstandinq any law of any State or jurisdiction to the contrary. ARTICLE TWELFTH simultaneous Death If any beneficiary under this Agreement shall die simultaneously with any other person upon whose death such benefi- ciary shall become entitled to receive either income or principal 10 under this Agreement, or in such circumstances as to render it dif- ficult or impracticable to determine who predeceased the other; then for purposes of this Agreement such beneficiary shall be deem- ed to have predeceased such other person. The death of a benefi- ciary during the lifetime of the Grantor, or in a common accident or disaster with the Grantor, shall revoke the designation of such beneficiary as a beneficiary hereunder. The provisions of this Agreement shall be construed as aforesaid, notwithstanding the pro- visions of any applicable law establishing a different' presumption of order of death or providing for survivorship for a fixed period as a condition of inheritance of property. ARTICLE ~IRTEENTH Decisions Of Trus~ee Are Conclusive The determination of the Trustee in respect of the amount of any discretionary payment of income or principal from any trust established hereunder, and of the advisability thereof, shall be final and conclusive on, all persons, whether or not then in being, having or claiming any interest in such trust, and upon making any such payment, the Trustee shall be released fully from all further liability or accountability therefor. The right of any beneficiary to any payment of income or principal shall in every case be subject to any charge or deduction which the Trustee may make against the same under the authority granted to the Trustee by any law or by this Agreement. ARTICLE POURTEENTH Riqhts Of Beneficiaries Are Not Assiqnable No disposition, charge or encumbrance on the income or principal of any trust established hereunder, or any part thereof, by any beneficiary thereof by way of anticipation shall be valid or in any way binding upon the Trustee. No beneficiary shall have the right to assign, transfer, encumber or otherwise dispose of such income or principal or any part thereof until the same shall be paid to such beneficiary by the Trustee. No income or principal or any part thereof shall in any manner be liable to any claim of any creditor of any beneficiary. ARTICLE FIFTEENTH Construction This Agreement and all trusts created hereunder shall be construed and enforced in accordance with the laws of the Common- 11 ,ealth of Pennsylvania, and the validity and effect of this Agree- ment shall be determined in accordance with the laws of the Common- wealth of Pennsylvania. Wherever use in this Agreement and the context so requires, the masculine shall include the feminine and the singular shall include the plural, and vice versa. The captions in this Agreement are for convenience of reference, and they shall not be considered when construing this Agreement. If under any of the provisions of this Agreement any portion of the trust fund would be held in trust for longer than a date twenty-one years after the death of the ~ast survivor of the Grantor and the beneficiaries hereunder, in being when this Agree- ment becomes irrevocable; then upon such date the trust of such portion shall terminate and the principal, together with any accru- ed and unpaid income thereon, shall be paid and distributed to the person or persons then living who would have been entitled to re- ceive the income therefrom had the trust continued, in the propor- tion in which they wouid have been so entitled. ARTICLE SIXTEENTH Bindina Effect This Agreement shall extend to and be binding upon the heirs, executors, administrators, successors and assigns of the undersigned Grantor and upon the Trustee acting hereunder. IN WITNESS WHEREOF, this Agreement has been duly executed as of the date first above written. Jt:.L ~ kl-IJ Helen L. Smith Grantor 12 COMMONWEALTH OF PENNSYLVANIA) ) SS.: COUNTY OF CLARION ) On this 27th day of December, 1991, before me, , the undersigned officer, personally appeared Helen L. smith, known to me to be the person whose name is subscribed to the within instrument, and acknowledged that she executed ,the same for the uses and purposes therein contained. IN WITNESS WHEREOF I hereunto set my hand and official . ,\s~C\.'l'~;, . i[ 'I I" I r\. ., l'"/l "J. .' ':':1. \ 0....0. {.- "'( '.. ... , "-' ,- ... ... . " ....- 0 ~";j' 00 .A;' , ~r 0 .\ 'I:'. '" - J ,_ .0 0 ... u '_" . \ J'- ..:: : ...~~., ~1Ch;.."'~ 0.".... ~ ..: 0 ~':' . .~>~".i.1 ~. ~ : : - :'."?!'~...... 1: - .... OF-'. · ~ ~ ~ ..' ~, ...;.:., i g ~ ""'oo~ ..x,$1 ;; .. '\ #o'..:!,/r'SY\."~ .".,C:i ! '... ),.. o. ... ". ... "'.. ~~ ......... ~ -...., ...~ "'" I? 'Y P \l \\\,,, """"'11" I ,., "~I' ~~at:~cf~ My commission expires on NotaIiaI Seal Mary K WerJ.ej, Notary Publ'1C Salem TY4J., Westmoreland County My COmmission Expires Jan. 31, 1994- Member, Pe/1l'Jt1ylvot'llD ~itlCit1 of ~ 15 . . . . EXlllBI'T "1\" ---- IN RE: HELEN L. SMITH DECLARATION OF TRUST Dated December 27, 1991 : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : ORPHANS' COURT DIVISION : FILE NO. RENUNCIATION OF TRUSTEE . THIS RENUNCIATION OF TRUSTEE isexecuted on this 31 st day of October in the year TW0 Thousand One (2001), by APOIJ....O TRUST COMPA.:.~, aPennsy!vania trust company with its principal offices at 201 North Warren Avenue, PO Box 247, Apollo, Armstrong County, Pennsylvania 15613-0247. WHEREAS., the Declaration of Trust (hereinafter referred to as the "'Trust") was signed and executed on December 27, 1991, by and between Helen L. Smith as Settlor and Helen L. Smith as Trustee; WHEREAS, Helen L. Smith died on February 26,2001; WHEREAS, pursuant to Article Eleventh of the Trust, entitled "Appointment of Trustee," Grantor appointed Apollo Trust Company to serve as successor trustee upon the death of the Grantor, Helen L. Smith; WHEREAS, Apollo Trust Company does not wish to serve as the successor trustee of the Trust; NOW, THEREFORE, KNOW ALL MEN BY THESE PRESENTS, that Apollo Trust Company, Trustee, hereby resigns as successor trustee of the Trust. IN WITNESS WHEREOF, the Apollo Trust Company has hereunto set its hand and seal the day and year first written above. '\ 4J . j ATTEST: ........ , .. Ii i'" <::> \. ",\ ' ..... " . - - /.. 4C:' I \At'JJ~' ~ . ...~~~;b, ~~3~Q ~~~ BY: COMMONWEALTH OF PENNSYL VANIA SS: COUNTY OF Armstrong On this the 31st day of October 2001 before me a Not~Public the , , , M l' , , undersigned officer, personally .pPR~fed James R. Drenning & ,e,' ~sWhcr4c& fldged himself to be the President & Offieer of APOLLO TRUST COMPANY, a Pennsylvania trust company, and that he as such officer, being authorized to do so, executed the foregoing instrument for the purposes therein contained by signing the name of the corporation by himself as such officer. . ~ ' ., , . IN WITNESS WHEREOF, I have set my hand and official seal. Il"""'. t. .,' ~ ,. ,,^, . ...... ~",~ ...J.... i \.1 . .... :h_ It. . ,c ~._ ... t ...); ........ ~ '" (.) ..- " ~..' otary Public y Commission Expires: " Notarial Seal Rita T. Pencak, Notary Public Apollo Boro, Armstrong County My Commission Expires Nov. 8, 2003 Member, pennsylli anlJ Association of Notaries IN RE: HELEN L. SMITH DECLARATION OF TRUST dated December 27,1991. : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : ORPHANS' COURT DIVISION : FILE NO. ACCEPTANCE OF APPOINTMENT AS SUCCESSOR TRUSTEE TillS ACCEPTANCE OF APPOINTMENT AS SUCCESSOR TRUSTEE is executed on this I Y day of October, 2001, by KAREN L. BOYER, an adult individual, now of 1459 Mt. Gretna Road, Elizabethtown, Lancaster County, Pennsylvania 17022. WHEREAS, the Helen L. Smith Declaration of Trust (hereinafter referred to as the "Trust") was signed and executed on December 27, 1991, by and between Helen L. Smith as Grantor and Helen L. Smith as Trustee; WHEREAS, Helen L. Smith died on February 26, 2001; WHEREAS, pursuant to Article Eleventh of the Trust, entitled "Appointment of Trustee," Grantor appointed Apollo Trust Company to serve as successor trustee upon the death of the Grantor, Helen L. Smith; WHEREAS, Apollo Trust Company does not wish to serve as the successor trustee of the Trust; WHEREAS, Karen L. Boyer desires to be appointed as Successor Trustee with all the duties and powers, including discretionary powers, granted under the Trust or by law; WHEREAS, Karen L. Boyer has petitioned the Cumberland County Orphans' Court Division for approval of her appointment as Successor Trustee; WHEREAS, upon the Court's approval of Karen L. Boyer as Successor Trustee of the Trust, Karen L. Boyer desires to accept such appointment; NOW, THEREFORE, KNOW ALL MEN BY THESE PRESENTS that Karen L. Boyer hereby accepts the irrevocable transfer, assignment and delivery to her and her successors and assigns of the Trust assets, and undertakes to hold, manage, invest and reinvest such assets, and to distribute the income and principal of the Trust, in accordance with the provisions of the Trust. IN WITNESS WHEREOF, the party hereto has hereunto set her hand and seal the day and year frrst written above. ss: COUNTY OF On this, the K day of October, 2001, before me, a Notary Public, the undersigned officer, personally appeared KAREN L. BOYER, known to me (or satisfactorily proven) to be the person whose name is subscribed to the within instrument, and acknowledged that she executed the same for the purposes therein contained. IN WITNESS WHEREOF, I have set my hand and official seal. $'~ My Commission Expires: Notarial Seal Karen Y. Boyer. ~ Public MI..Jat Twp.,.~ County My ComniJsSfOn Exptres July 11, 2002 IN RE: HELEN L. SMITH DECLARATION OF TRUST dated December 27, 1991. : IN THE COURT OF COMM:ON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : ORPHANS' COURT DIVISION : FILE NO. CONSENT TO APPOINTMENT OF SUCCESSOR TRUSTEE 1. I am an adult and I am not under any legal disability. 2. I have received a copy of the Declaration of Trust (hereinafter referred to as the "Trust") which was signed and executed on December 27,1991, by and between Helen L. Smith as Grantor and Helen L. Smith as Trustee; 3. I have been notified that Helen L. Smith died on February 26,2001; 4. I have reviewed Article Eleventh of the Trust entitled "Appointment of Trustee," and am aware that the Grantor appointed Apollo Trust Company to serve as successor trustee upon the death of the Grantor, Helen L. Smith; 5. I have been notified that Apollo Trust Company does not wish to serve as the successor trustee of the Trust and that the Trust does not appoint an alternate successor trustee to act in the event of Apollo Trust Company's resignation; 6. I am a remainder beneficiary of the Helen L. Smith Declaration of Trust dated December 27, 1991, under Article Third entitled "Successor Beneficiaries." 7. My interest as a remainder beneficiary in the trust and the need for the appointment of a successor trustee have been explained to my satisfaction. 8. I have been provided with a copy of the Petition for Appointment of Successor Trustee and have read and understand the request of the Petitioner, Karen L. Boyer. 9. Upon reviewing the Petition for Appointment of Successor Trustee, I hereby consent to the appointment of Karen L. Boyer as successor trustee of the Trust, and in doing so, I also hereby waive any right which I may have to being appointed as successor trustee of the Trust as a remainder beneficiary. .7 ~~4 d:Li~~ Dated: October .l.!J-, 2001 .~.-1'-4?/4(/ ~~%.aL v Isabelle B. Bole, by and through her Attorney-in-Fact, Lorraine Gestrich ) I IN RE: HELEN L. SMITH DECLARATION OF TRUST dated December 27, 1991. : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : ORPHANS' COURT DIVISION : FILE NO. CONSENT TO APPOINTMENT OF SUCCESSOR TRUSTEE 1. I am an adult and I am not under any legal disability. 2. I have received a copy of the Declaration of Trust (hereinafter referred to as the "Trust") which was signed and executed on December 27, 1991, by and between Helen L. Smith as Grantor and Helen L. Smith as Trustee; 3. I have been notified that Helen L. Smith died on February 26, 2001; 4. I have reviewed Article Eleventh of the Trust entitled "Appointment of Trustee," and am aware that the Grantor appointed Apollo Trust Company to serve as successor trustee upon the death of the Grantor, Helen L. Smith; 5. I have been notified that Apollo Trust Company does not wish to serve as the successor trustee of the Trust and that the Trust does not appoint an alternate successor trustee to act in the event of Apollo Trust Company's resignation; 6. I am a remainder beneficiary of the Helen L. Smith Declaration of Trust dated December 27, 1991, under Article Third entitled "Successor Beneficiaries." 7. My interest as a remainder beneficiary in the trust and the need for the appointment of a successor trustee have been explained to my satisfaction. 8. I have been provided with a copy of the Petition for Appointment of Successor Trustee and have read and understand the request of the Petitioner, Karen L. Boyer. 9. Upon reviewing the Petition for Appointment of Successor Trustee, I hereby consent to the appointment of Karen L. Boyer as successor trustee of the Trust, and in doing so, I also hereby waive any right which I may have to being appointed as successor trustee of the Trust as a remainder beneficiary. Dated: October ~, 2001 ~~~~ IN RE: HELEN L. SMITH DECLARATION OF TRUST dated December 27, 1991. : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : ORPHANS' COURT DIVISION : FILE NO. CONSENT TO APPOINTMENT OF SUCCESSOR TRUSTEE 1. I am an adult and I am not under any legal disability. 2. I have received a copy of the Declaration of Trust (hereinafter referred to as the "Trust") which was signed and executed on December 27, 1991, by and between Helen L. Smith as Grantor and Helen L. Smith as Trustee; 3. I have been notified that Helen L. Smith died on February 26, 2001; 4. I have reviewed Article Eleventh of the Trust entitled "Appointment of Trustee," and am aware that the Grantor appointed Apollo Trust Company to serve as successor trustee upon the death of the Grantor, Helen L. Smith; 5. I have been notified that Apollo Trust Company does not wish to serve as the successor trustee of the Trust and that the Trust does not appoint an alternate successor trustee to act in the event of Apollo Trust Company's resignation; 6. I am a remainder beneficiary of the Helen L. Smith Declaration of Trust dated December 27, 1991, under Article Third entitled "Successor Beneficiaries." 7. My interest as a remainder beneficiary in the trust and the need for the appointment of a successor trustee have been explained to my satisfaction. 8. I have been provided with a copy of the Petition for Appointment of Successor Trustee and have read and understand the request of the Petitioner, Karen L. Boyer. 9. Upon reviewing the Petition for Appointment of Successor Trustee, I hereby consent to the appointment of Karen L. Boyer as successor trustee of the Trust, and in doing so, I also hereby waive any right which I may have to being appointed as successor trustee of the Trust as a remainder beneficiary. Dated: October ft 2001 /3~ /)11 4 Bruce Long , , . ) . IN RE: HELEN L. SMITH DECLARATION OF TRUST dated December 27, 1991. : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : ORPHANS' COURT DIVISION : FILE NO. CONSENT TO APPOINTMENT OF SUCCESSOR TRUSTEE 1. I am an adult and I am not under any legal disability. 2. I have received a copy of the Declaration of Trust (hereinafter referred to as the "Trust") which was signed and executed on December 27, 1991, by and between Helen L. Smith as Grantor and Helen L. Smith as Trustee; 3. I have been notified that Helen L. Smith died on February 26,2001; 4. I have reviewed Article Eleventh of the Trust entitled "Appointment of Trustee," and am aware that the Grantor appointed Apollo Trust Company to serve as successor trustee upon the death of the Grantor, Helen L. Smith; 5. I have been notified that Apollo Trust Company does not wish to serve as the successor trustee of the Trust and that the Trust does not appoint an alternate successor trustee to act in the event of Apollo Trust Company's resignation; 6. I am a remainder beneficiary of the Helen L. Smith Declaration of Trust dated December 27, 1991, under Article Third entitled "Successor Beneficiaries." 7. My interest as a remainder beneficiary in the trust and the need for the appointment of a successor trustee have been explained to my satisfaction. 8. I have been provided with a copy of the Petition for Appointment of Successor Trustee and have read and understand the request of the Petitioner, Karen L. Boyer. 9. Upon reviewing the Petition for Appointment of Successor Trustee, I hereby consent to the appointment of Karen L. Boyer as successor trustee of the Trust, and in doing so, I also hereby waive any right which I may have to being appointed as successor trustee of the Trust as a remainder beneficiaty. Dated: October ~ 2001 /'ntU. <7- Robert Long I .. , . . j . HELEN L. SMITH DECLARATION OF TRUST dated December 27, 1991. : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : ORPHANS' COURT DMSION IN RE: : FILE NO. CONSENT TO APPOINTMENT OF SUCCESSOR TRUSTEE 1. I am an adult and I am not under any legal disability. 2. I have received a copy of the Declaration of Trust (hereinafter referred to as the '''Trust'') which was signed and executed on December 27, 1991, by and between Helen L. Smith as Grantor and Helen L. Smith as Trustee; 3. I have been notified that Helen L. Smith died on February 26,2001; 4. I have reviewed Article Eleventh of the Trust entitled "Appointment of Trustee," and am aware that the Grantor appointed Apollo Trust Company to serve as successor trustee upon the death of the Grantor, Helen L. Smith; 5. I have been notified that Apollo Trust Company does not wish to serve as the successor trustee of the Trust and that the Trust does not appoint an alternate successor trustee to act in the event of Apollo Trust Company's resignation; 6. I am a remainder beneficiary of the Helen L. Smith Declaration of Trust dated December 27, 1991, under Article Third entitled "Successor Beneficiaries." 7. My interest as a remainder beneficiary in the trust and the need for the appointment of a successor trustee have been explained to my satisfaction. 8. I have been provided with a copy of the Petition for Appointment of Successor Trustee and have read and understand the request of the Petitioner, Karen L. Boyer. . .. I 9. Upon reviewing the Petition for Appointment of Successor Trustee, I hereby consent to the appointment of Karen L. Boyer as successor trustee of the Trust, and in doing so, I also hereby waive any right which I may have to being appointed as, suc7r trustee of the Trust as a remainder beneficiary. '/ Dated: October 7, ~, 2001 . '. . i " ~ HELEN L. SMITH DECLARATION OF TRUST dated December 27, 1991. : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : ORPHANS' COURT DMSION IN RE: : FILE NO. CONSENT TO APPOINTMENT OF SUCCESSOR TRUSTEE 1. I am an adult and I am not under any legal disability. 2. I have received a copy of the Declaration of Trust (hereinafter referred to as the '"Trust") which was signed and executed on December 27, 1991, by and between Helen L. Smith as Grantor and Helen L. Smith as Trustee; 3. I have been notified that Helen L. Smith died on February 26,2001; 4. I have reviewed Article Eleventh of the Trust entitled "Appointment of Trustee," and am aware that the Grantor appointed Apollo Trust Company to serve as successor trustee upon the death of the Grantor, Helen L. Smith; 5. I have been notified that Apollo Trust Company does not wish to serve as the successor trustee of the Trust and that the Trust does not appoint an alternate successor trustee to act in the event of Apollo Trust Company's resignation; 6. I am a remainder beneficiary of the Helen L. Smith Declaration of Trust dated December 27, 1991, under Article Third entitled "Successor Beneficiaries." 7. My interest as a remainder beneficiary in the trust and the need for the appointment of a successor trustee have been explained to my satisfaction. 8. I have been provided with a copy of the Petition for Appointment of Successor Trustee and have read and understand the request of the Petitioner, Karen L. Boyer. t I, . . " .. 9. Upon reviewing the Petition for Appointment of Successor Trustee, I hereby consent to the appointment of Karen L. Boyer as successor trustee of the Trust, and in doing so, I also hereby waive any right which I may have to being appointed as successor trustee of the Trust as a remainder beneficiaty. Dated: October / ~ 2001 p: 7';7~ Barry Long , ., . . I I 4. HELEN L. SMITH DECLARATION OF TRUST dated December 27, 1991. : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : ORPHANS' COURT DMSION IN RE: : FILE NO. CONSENT TO APPOINTMENT OF SUCCESSOR TRUSTEE 1. I am an adult and I am not under any legal disability. 2. I have received a copy of the Declaration of Trust (hereinafter referred to as the "Trust") which was signed and executed on December 27, 1991, by and between Helen L. Smith as Grantor and Helen L. Smith as Trustee; 3. I have been notified that Helen L. Smith died on February 26,2001; 4. I have reviewed Article Eleventh of the Trust entitled "Appointment of Trustee," and am aware that the Grantor appointed Apollo Trust Company to serve as successor trustee upon the death of the Grantor, Helen L. Smith; 5. I have been notified that Apollo Trust Company does not wish to serve as the successor trustee of the Trust and that the Trust does not appoint an alternate successor trustee to act in the event of Apollo Trust Company's resignation; 6. I am a remainder beneficiary of the Helen L. Smith Declaration of Trust dated December 27, 1991, under Article Third entitled "Successor Beneficiaries." 7. My interest as a remainder beneficiary in the trust and the need for the appointment of a successor trustee have been explained to my satisfaction. 8. I have been provided with a copy of the Petition for Appointment of Successor Trustee and have read and understand the request of the Petitioner, Karen L. Boyer. . c.. I . If. 9. Upon reviewing the Petition for Appointment of Successor Trustee, I hereby consent to the appointment of Karen L. Boyer as successor trustee of the Trust, and in doing so, I also hereby waive any right which I may have to being appointed as successor trustee of the Trust as a remainder beneficiaty. Dated: October -1.2.-, 2001 / /2 t /!/D(P~ ,~.e)?? 7 Dennis Long / . (, . , .. ( HELEN L. SMITH DECLARATION OF TRUST dated December 27, 1991. : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : ORPHANS' COURT DIVISION IN RE: : FILE NO. CONSENT TO APPOINTMENT OF SUCCESSOR TRUSTEE 1. I am an adult and I am not under any legal disability. 2. I have received a copy of the Declaration of Trust (hereinafter referred to as the "Trust") which was signed and executed on December 27,1991, by and between Helen L. Smith as Grantor and Helen L. Smith as Trustee; 3. I have been notified that Helen L. Smith died on February 26,2001; 4. I have reviewed Article Eleventh of the Trust entitled "Appointment of Trustee," and am aware that the Grantor appointed Apollo Trust Company to serve as successor trustee upon the death of the Grantor, Helen L. Smith; 5. I have been notified that Apollo Trust Company does not wish to serve as the successor trustee of the Trust and that the Trust does not appoint an alternate successor trustee to act in the event of Apollo Trust Company's resignation; 6. I am a remainder beneficiary of the Helen L. Smith Declaration of Trust dated December 27, 1991, under Article Third entitled "Successor Beneficiaries." 7. My interest as a remainder beneficiary in the trust and the need for the appointment of a successor trustee have been explained to my satisfaction. 8. I have been provided with a copy of the Petition for Appointment of Successor Trustee and have read and understand the request of the Petitioner, Karen L. Boyer. . 0( I . . ., . 9. Upon reviewing the Petition for Appointment of Successor Trustee, I hereby consent to the appointment of Karen L. Boyer as successor trustee of the Trust, and in doing so, I also hereby waive any right which I may have to being appointed as successor trustee of the Trust as a remainder beneficiary. Dated: October~, 2001 p~~h 11 1(' . . l I .. HELEN L. SMITH DECLARATION OF TRUST dated December 27, 1991. : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : ORPHANS' COURT DMSION IN RE: : FILE NO. CONSENT TO APPOINTMENT OF SUCCESSOR TRUSTEE 1. I am an adult and I am not under any legal disability. 2. I have received a copy of the Declaration of Trust (hereinafter referred to as the "Trust") which was signed and executed on December 27, 1991, by and between Helen L. Smith as Grantor and Helen L. Smith as Trustee; 3. I have been notified that Helen L. Smith died on February 26,2001; 4. I have reviewed Article Eleventh of the Trust entitled "Appointment of Trustee," and am aware that the Grantor appointed Apollo Trust Company to serve as successor trustee upon the death of the Grantor, Helen L. Smith; 5. I have been notified that Apollo Trust Company does not wish to serve as the successor trustee of the Trust and that the Trust does not appoint an alternate successor trustee to act in the event of Apollo Trust Company's resignation; 6. I am a remainder beneficial)' of the Helen L. Smith Declaration of Trust dated December 27, 1991, under Article Third entitled "Successor Beneficiaries." 7. My interest as a remainder beneficial)' in the trust and the need for the appointment of a successor trustee have been explained to my satisfaction. 8. I have been provided with a copy of the Petition for Appointment of Successor Trustee and have read and understand the request of the Petitioner, Karen L. Boyer. 11 (. . . (, . 9. Upon reviewing the Petition for Appointment of Successor Trustee, I hereby consent to the appointment of Karen L. Boyer as successor trustee of the Trust, and in doing so, I also hereby waive any right which I may have to being appointed as successor trustee of the Trust as a remainder beneficiary. Dated: October I ')~ 2001 0/J-L-chr-v Walter Long ~ COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE BUREAU OF INDIVIDUAL TAXES DEPT. 280601 HARRISBURG, PA 17128-0601 REV-1162 EX(11-96) RECEIVED FROM: PENNSYLVANIA INHERITANCE AND ESTATE TAX OFFICIAL RECEIPT GATES LOWELL R ESQ 1013 MUMMA RD SUITE 100 LEMOYNE, PA 17043-1144 nn_n_ fold EST A TE INFORMATION: SSN: 158-20-3384 FILE NUMBER: 21 - 2001 - 1 026 DECEDENT NAME: SMITH HELEN L DA TE OF PAYMENT: 12/27/2001 POSTMARK DATE: 00/00/0000 COUNTY: CUMBERLAND DATE OF DEATH: 02/26/2001 NO. CD 000702 ACN ASSESSMENT CONTROL NUMBER AMOUNT I I 101 $42,500.00 I I I I I I I I I TOTAL AMOUNT PAID: $42,500.00 REMARKS: KAREN L BOYER TRUSTEE SEAL INITIALS: CW RECEIVED BY: MARY C. LEWIS REGISTER OF WILLS REGISTER OF WILLS \ /-?-c2-9- K3 BUREAU OF INDIVIDUAL TAXES INHERITANCE TAX DIVISION DEPT. 280601 HARRISBURG, PA 17128-0601 COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE NOTICE OF INHERITANCE TAX APPRAISEHENT1 ALLOWANCE OR DISALLOWANCE OF DEDUCTIONS AND ASSESSHENT OF TAX DATE ESTATE OF DATE OF DEATH FILE NUMBER P 2 :/i 1 COUNTY ACN 05-20-2002 SMITH 02-26-2001 21 01-1026 CUMBERLAND 101 .02 111J~Y 17 LOWELL R GATES ESQ GATES ETAL 1013 MUMMA RD STE 100 'L,C::.. LEMOVNE PA 17B4t$l'n::.. * REV-1547 EX AFP (01-02) HELEN L Allount Rellitted ) CHANGED (1) (2) (3) (4) (5) (6) (7) .00 .00 .00 .00 .00 3.736.82 313.153.75 (8) MAKE CHECK PAYABLE AND REMIT PAYMENT TO: REGISTER OF WILLS CUMBERLAND CO COURT HOUSE CARLISLE1 PA 17013 CUT ALONG THIS LINE .. RETAIN LOWER PORTION FOR YOUR RECORDS ~ RE-v=is4"j-i3f-AFP--coi-:oz'r-No'Tici-oF-'rtiHEifiT;'Nci-y-AX-A-PPRA-isiMENT~--Ail-oWAiicE-oR----------------- DISALLOWANCE OF DEDUCTIONS AND ASSESSMENT OF TAX ESTATE OF SMITH HELEN L FILE NO. 21 01-1026 ACN 101 DATE 05-20-2002 TAX RETURN WAS: (X) ACCEPTED AS FILED RESERVATION CONCERNING FUTURE INTEREST - SEE REVERSE APPRAISED VALUE OF RETURN BASED ON: ORIGINAL RETURN 1. Real Estate (Schedule A) 2. Stocks and Bonds (Schedule B) 3. Closely Held Stock/Partnership Interest (Schedule C) 4. Hortgages/Notes Receivable (Schedule D) 5. Cash/Bank Deposits/Hisc. Personal Property (Schedule E) 6. Jointly Owned Property (Schedule F) 7. Transfers (Schedule G) 8. Total Assets APPROVED DEDUCTIONS AND EXEMPTIONS: 9. Funeral Expenses/Adll. Costs/Hisc. Expenses (Schedule H) 10. Debts/Hortgage Liabilities/Liens (Schedule I) 11. Total Deductions 12. Net Value of Tax Return 13. Charitable/Governmental Bequests; Non-elected 9113 Trusts (Schedule J) 14. Net Value of Estate Subject to Tax I~ an assessment was issued previously, lines 14, 15 and/or 16, 17, 18 and 19 will re~lect ~igures that include the total o~ ALL returns assessed to date. ASSESSMENT OF TAX: 15. Allount of Line 14 at Spousal rate (15) 16. Allount of Line 14 taxable at Lineal/Class A rate (16) 17. Allount of Line 14 at Sibling rate (17) 18. Allount of Line 14 taxable at Collateral/Class B rate (18) 19. Principal Tax Due NOTE: (9) (10) 391287.00 NOTE: To insure proper credit to your accountl subllit the upper portion of this forll with your tax payment. 3161890.57 47.898 48 2681992.09 .00 2681992.09 (19)= .00 .00 .00 401348.81 401348.81 8.611.48 (11) (12) (13) (14) .00 X 00 = .00 X 045= .00 X 12 = 2681992.09 X 15 = TAX CREDITS: . ... ,...... ....-..... . II (+ J AMOUNT PAID DATE NUHBER INTEREST/PEN PAID (-) 12-27-2001 CDOO0702 308.95- 421500.00 TOTAL TAX CREDIT 421191.05 BALANCE OF TAX DUE 11842.24CR INTEREST AND PEN. .00 TOTAL DUE 11842.24CR . IF PAID AFTER DATE INDICATED 1 SEE REVERSE FOR CALCULATION OF ADDITIONAL INTEREST. ( IF TOTAL DUE IS LESS THAN $11 NO PAYHENT IS REQUIRED. IF TOTAL DUE IS REFLECTED AS A "CREDITwW (CR) 1 YOU HAY BE DUE A REFUND. SEE REVERSE SIDE OF THIS FORH FOR INSTRUCTIONS.) \//-d9~ 13 BUREAU OF INDIVIDUAL TAXES INHERITANCE TAX DIVISION DEPT. 280601 HARRISBURG I PA 17128-0601 COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE INHERITANCE TAX STATEMENT OF ACCOUNT *' REV-UOl EX AFP [01-02) '02 JUL-1 :07 DATE ESTATE OF DATE OF DEATH FILE NUMBER COUNTY ACN 06-03-2002 SMITH 02-26-2001 21 01-1026 CUMBERLAND 101 Allount Rulitted HELEN L LOWELL R GATES ESQ GATES ETAL L'~ 1013 MUMMA RD STE 1~~ij(~., LEMOYNE PA 17043 MAKE CHECK PAYABLE AND REMIT PAYMENT TO: REGISTER OF WILLS CUMBERLAND CO COURT HOUSE CARLISLE, PA 17013 NOTE: To insure proper credit to your account, subllit the upper portion of this form with your tax payment. CUT ALONG THIS LINE ~ RETAIN LOWER PORTION FOR YOUR RECORDS ~ R"Ey=i6oj-Ex-AFP--lol-:02:f------...--xNHEiiiTANc'E-iAx-sTATEHE-Ni-OF-Accou'Nf--.-..--------------------- ESTATE OF SMITH HELEN L FILE NO. 21 01-1026 ACN 101 DATE 06-03-2002 THIS STATEMENT IS PROVIDED TO ADVISE OF THE CURRENT STATUS OF THE STATED ACN IN THE NAMED ESTATE. SHOWN BELOW IS A SUMMARY OF THE PRINCIPAL TAX DUE, APPLICATION OF ALL PAYMENTS, THE CURRENT BALANCE, AND, IF APPLICABLE, A PROJECTED INTEREST FIGURE. DATE OF LAST ASSESSMENT OR RECORD ADJUSTMENT: 05-20-2002 P R I NC I PAL TAX DUE: ........................................................................................................................................................................................................................... 40,348.81 PAYMENTS (TAX CREDITS): PAYMENT RECEIPT DISCOUNT (+) AMOUNT PAID DATE NUMBER INTEREST/PEN PAID (-) 12-27-2001 CDOO0702 308.95- 42,500.00 05-15-2002 REFUND .00 1,842.24- TOTAL TAX CREDIT 40,348.81 BALANCE OF TAX DUE .00 INTEREST AND PEN. .00 . IF PAID AFTER THIS DATE, SEE REVERSE TOTAL DUE .00 SIDE FOR CALCULATION OF ADDITIONAL INTEREST. ( IF TOTAL DUE IS LESS THAN $1, NO PAYMENT IS REQUIRED. IF TOTAL DUE IS REFLECTED AS A "CREDIT" (CR), YOU HAY BE DUE A REFUND. SEE REVERSE SIDE OF THIS FOR" FOR INSTRUCTIONS. ) ~ '\ !/ REV-1500 EX + (6-00) OFFICIAL USE ONLY COMMONWEALTH OF PENNSYLVANIA REV-1500 I I -Ze; -/ L DEPARTMENT OF REVENUE DEPT. 280601 INHERITANCE TAX RETURN FILE NUMBER HARRISBURG, PA 17128-0601 RESIDENT DECEDENT 21 - 2001 - 1026 COUNTY CODE YEAR NUMBER DECEDENT'S NAME (LAST, FIRST, AND MIDDLE INITIAL) SOCIAL SECURITY NUMBER Smith Helen L 158-20-3384 DECE- DATE OF DEATH (MM-DD-YEAR) I DATE OF BIRTH (MM-DD-YEAR) THIS RETURN MUST BE FILED IN DUPLICATE DENT 02/26/2001 05/14/1913 WITH THE REGISTER OF WILLS (IF APPLICABLE) SURVIVING SPOUSE'S NAME (LAST, FIRST, AND MIDDLE INITIAL) SOCIAL SECURITY NUMBER - - 3. Remainder Return CHECK ~ 1. Original Return r Supplemental Return B (date of death prior to 12-13-82) APPRO- 4. Limited Estate 4a. Future Interest Compromise 5. Federal Estate Tax Return Required (date of death after 12-12-82) PRIATE 6. Decedent Died Testate 7. Decedent Maintained a Living Trust 8. Total Number of Safe Deposit Boxes (Attach copy of Will) (Attach a copy of Trust) BLOCKS 9. Litigation Proceeds Received 10. Spousal Poverty Credit (date of death between 0 11. Election to tax under Sec. 9113(A) 12-31.91 and 1-1-95) (Attach Sch 0) .....................-..............................................--.......................................................,........................................................................ ................................................................... THissectONM$tBEcOMptETmAtLcORRE~_ElldtONFitlENtiAtfAXtNf"dRMATfONSHdlJtb.aeblRltttSbf<) <\.>. ...>LV. ....... .A}..>:}.\>> .....<..:.. .:'" ::: :0:. .:.... < :.... ':... ::::::::. ..:::.:.{: NAME COMPLETE MAILING ADDRESS COR- Lowell R. Gates, Esquire 1013 Mumma Road, Suite 100 RE- FIRM NAME (If Applicable) Lemoyne, PA 17043 SPON DENT Gates, Halbruner & Hatch, P.C. TELEPHONE NUMBER 717-731-9600 """", .-. '- ~FFICIAL:US61 ONLY 1. Real Estate (Schedule A) (1) 0;00 2. Stocks and Bonds (Schedule B) (2) 0.00 3. Closely Held Corporation. Partnership or Sole-Proprietorship (3) 0.00 4. Mortgages & Notes Receivable (Schedule D) (4) 0.00 , 5. Cash, Bank Deposits & Miscellaneous Personal \.:::' Property (Schedule E) (5) 0.00 6. Jointly Owned Property (Schedule F) 0 Separate Billing Requested (6) 3,736.82 '- ~. '-<"I RECA- PITULA- 7. Inter-Vivos Transfers & Miscellaneous TION Non-Probate Property (Schedule G or L) (7) 313,153.75 8. Total Gross Assets (total Lines 1-7) (8) 316,890.57 9. Funeral Expenses & Administrative Costs (Schedule H) (9) 39,287.00 10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I) (10) 8,611.48 11. Total Deductions (total Lines 9 & 10) (11 ) 47,898.48 12. Net Value of Estate (Line 8 minus Line 11) (12) 268,992.09 13. Charitable and Governmental Bequests/See 9113 Trusts for which an election to tax (13) 0.00 has not been made (Schedule J) 14. Net Value Subject to Tax (Line 12 minus Line 13) (14) 268,992.09 SEE INSTRUCTIONS ON PAGE 2 FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate. or transfers under Sec. 9116 (a)(1.2) 0.00 X .0 00 (15) 0.00 - TAX 16. Amount of Line 14 taxable at lineal rate 0.00 X.O 0.045 (16) 0.00 - COMPU- 17. Amount of Line 14 taxable at sibling rate 0.00 X .12 (17) 0.00 TATION 18. Amount of Line 14 taxable at collateral rate 268,992.09 X .15 (18) 40,348.81 19. Tax Due (19) 40,348.81 20. ~ lb-ledKBe:R~'fyQOAR~R~Ui$jING.i\.8$IDNQQ.fANpVElRMYM~t1tl ~;;:BESUA:f::tQANSWl:;fiALLQUE$tIQN$Oi'-fPAGf::2ANttRECHec.KMAtH<<(:'::>> .. ................................................ .....-........................", ,.............................................................................. o PA 15001 NTF 29755 Copyright 2000 Greatland/Nelco LP - Forms Software Oniy , PA REV-1500 EX (6-00) Decedent's Complete Address: Page 2 STREET ADDRESS 100 Mt. Allen Drive Cumberland CITY I STATE I ZIP Mechanicsburg PA 17055 Tax Payments and Credits: 1. Tax Due (Page 1 Line 19) 2. Credits/Payments A. Spousal Poverty Credit B. Prior Payments C. Discount (1 ) 40,348.81 0.00 42,500.00 0.00 Total Credits (A + B + C) (2) 42,500.00 3. Interest/Penalty if applicable D. Interest E. Penalty 0.00 0.00 Total Interest/Penalty (0 + E) 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. Check box on Page 1 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. A. Enter the interest on the tax due. B. Enter the total of Line 5 + SA. This is the BALANCE DUE. Make Check Payable to: REGISTER OF WILLS. AGENT (3) 0.00 (4) 2,151.19 (5) 0.00 (SA) 0.00 (5B) 0.00 '.'.................................,.,.,.................,............................'.'....................,..'.....'.................................................:...........:................. ......................'.....'.'.'.:...'....,..:....................................,.....,..:.....:.................'..,'.....'..,.....,.....,......................................................... ................................................................................................ .. ....... ........ ... ............. .................. ..... ..... ......................... ..... .......................... ....................................................................... ............................ ... ...... .............................. ...... ........ .......................,..,.................. ................................................,............. ..... .. .-......... . ..,................. .. .....-....................................................... ...... .............. ........................................................ PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN 1. ...................... .... .. . ~ ... ...............,...... . .. ." ................................................................... ................... ...... ................................................,. .,...... . ... ....,... ............................. ....... .... ..-...............................-................... .................. . ..... ........................... .............. ........ .............................................. ..................................................................., ......... . .. ............... . ..... ................. ..... .......................................... -................................................................. .,.......... ......... ............................. ................................... ........................... ... .................. ...................... ....................... ...................... ...................... ...................... ....................... ...................... ...................... ...................... "XII IN THE APPROPRIATE BLOCKS Yes No ~ ~ B ~ Did decedent make a transfer and: a. retain the use or income of the property transferred; . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . b. retain the right to designate who shall use the property transferred or its income; . . . . . . . . . . . . . . . . . c. retain a reversionary interest; or. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . d. receive the promise for life of either payments, benefits or care? .............................. 2. If death occurred after December 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 contains a beneficiary designation? ........................................................ IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. Under penalties of periury, I declare that I have examined this return including accompanying schedules and statements, and to the best of my knowledge and belief, It is true, correct and complete. Declaration of preparer other than the personal representative is based on information of which preparer has any knowledge. SI~:~:~R~ ~F :~~~~N RESPONSIBLE FOR FILING RETURN, ....(-0 C- ~ tY_ID~ L ADDRESS ~ ~ 1459 Mt. Gretna Road t" SIGNATURE OF PREPARER OTHER THAN REPRESENTATIV Lowell R. Gates, Esq. ADDRESS 1013 Mumma Rd., Suite ~ D Elizabethtown, PA 17022 DATEU /'2./ ---1--14--f?~ Lemoyne, PA 17043 on or on use spouse [72 ps. ~ 9116 (a) (1.1) (i)]. For dates of death on or after January 1, 1995. the tax rate is imposed on the et value of transfers to or forthe use of the sUNiving spouse is 0% [72 P.S. ~ 9116 (a) (1.1) (ii)]. The statute does not exemot a transfer to a surviving spouse from tax, an the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficial)'. For dates of death on or after July 1, 2000: The tax rate imposed on the net value of transfers from a deceased child twenty-one years of age or younger at death to or for the use of a natural parent, an adoptive parent, or a stepparent of the child is 0% [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%, except as noted in 72.P.S. ~ 9116(1.2) [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% [72 P.S. ~ 9116(a)(1.3)]. A sibling is defined, under Section 9102, as an individuai who has at least one parent in common with the decedent, whether by blood or adoption. o PA 15002 NTF 29756 Copyright 2000 Greatland/Nelco LP - Forms Software Only \ REV-1509 EX + (1-97) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF Helen L. Smith SCHEDULE F JOINTLY-OWNED PROPERTY FILE NUMBER 21 2001 - 1026 If an asset was made joint within one year of the decedent's date of death, it must be reported on Schedule G. SURVIVING JOINT TENANT(S) NAME A. Karen L. Boyer ADDRESS 1459 Mt. Gretna Road, Elizabethtown, PA 17022 RELATIONSHIP TO DECEDENT Niece B. C. JOINTLY-OWNED PROPERTY: LETTER DATE DESCRIPTION OF PROPERTY %OF DATE OF DEATH Include name of financial institution and bank ITEM FOR MADE account number or similar identifying number. DATE OF DEATH DECO'S VALUE OF JOINT NO. TENANT JOINT Attach deed for jointly-held real estate. VALUE OF ASSET INTEREST DECEDENT'S INTEREST 11. A. 12/30/1899 PNC Bank Checking Account Account No. 50-7007-1886 7,473.64 50.000 3,736.82 TOTAL (Also enter on line 6, Recapitulation) $ 3,736.82 9 PA 15091 NTF 10876 (If more space is needed, insert additional sheets of the same size) Copyright 1999 Greatland/Nelco LP - Forms Software Only REV-1510 EX + (1-97) SCHEDULE G INTER-VIVOS TRANSFERS & MISC. NON-PROBATE PROPERTY COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF Helen L. Smith FILE NUMBER 21 2001 - 1026 This schedule must be completed and filed if the answer to any of questions 1 through 4 on the reverse side of the REV-1500 COVER SHEET is yes. ITEM NO. 11. DESCRIPTION OF PROPERTY INCLUDE NAME OF THE TRANSFEREE, THEIR RELATIONSHIP TO DECD & DATE OF TRANSFER. ATTACH COpy OF THE DEED FOR REAL ESTATE. During her lifetime, Helen L. Smith established the Helen L. Smith Declaration of Trust dated dated December 27, 1991, by and between herself as Grantor and Trustee. Karen L. Boyer was appointed Successor Trustee of the Trust by Order dated November 13, 2001, from the Honorable George E. Hoffer, Cumberland County Orphans' Court Division. The following Merrill Lynch CMA Account No. 823-16762 was the only asset transferred to the Trust. 0.00 DATE OF DEATH VALUE OF ASSET 2 122 Shares 122 shares of Verizon Communications common stock; date of death high $51.10 per share; date of death low $48.88 per share; date of death AVG $49.99 per share. 6,098.78 3 3,040.391 Shares 3,040.3910 shares of Templeton World Fund - Class A; date of death high $17.12 per share; date of death low $16.14 per share; date of death AVG $16.63 per share. 50,561. 70 4 3,158 Shares 3,158 shares of SBC Communications, Inc., common stock; date of death high $50.30 per share; date of death low $49.20 per share; date of death AVG $49.75 per share. 157,110.50 Total from continuation pages %OF DECD'S INTEREST 100.000 100.000 100.000 100.000 EXCLUSION (IF APPLICABLE) 0.00 0.00 0.00 0.00 9 PA 15101 NTF 10877 TOTAL (Also enter on line 7, Recapitulation) $ (If more space is needed, insert additional sheets of the same size) Copyright 1999 Greatland/Nelco LP - Forms Software Only TAXABLE VALUE 0.00 6,098.78 50,561. 70 157,110.50 99,382.77 313,153.75 Schedule G (Page 2) Estate of: Helen L. Smith Item No. Description 5 300 Shares 300 shares of Equity Income Fund First Exchange common stock; date of death high $142.30 per share; date of death low $138.00 per share; date of death AVG $140.15 per share. 6 400 Shares 400 shares of Energy East Corp., common stock; date of death high $19.00 per share; date of death low $18.40 per share; date of death AVG $18.70 per share. 7 600 Shares 600 shares of PPL Corporation; date of death high $46.15 per share; date of death low $44.99 per share; date of death AVG $45.57 per share. 8 668 Shares 668 shares of American New Economy mutual fund; date of death high $23.18 per share; date of death low $21.85 per share; date of death AVG $25.515 per share. 9 850 Shares 850 shares of Mercury Asset Management, Inc. Global Holdings mutual fund; date of death high $9.03 per share; date of death low $8.56 per share; date of death AVG $8.795 per share. Total (Carry forward to main schedule) DOD Value of Asset 42,045.00 7,480.00 27,342.00 15,040.02 7,475.75 % Int. 100.000 100.000 100.000 100.000 100.000 Exclusion 0.00 0.00 0.00 0.00 0.00 Taxable Value 42,045.00 7,480.00 27,342.00 15,040.02 7,475.75 99,382.77 REV-1511EX + (1-97) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF Helen L. Smith SCHEDULE H FUNERAL EXPENSES & ADMINISTRATIVE COSTS FILE NUMBER 21 2001 - 1026 Debts of decedent must be reported on Schedule I. ITEM NO. A. 1. 1 DESCRIPTION AMOUNT FUNERAL EXPENSES: Boyer Funeral Home, LTD. Funeral Goods and Services 9,808.00 B. ADMINISTRATIVE COSTS: 1. Personal Representative's Commissions Name of Personal Representative(s) Social Security Number(s)/EIN No. of Personal Representative(s) Street Address City State Zip Year(s) Commission Paid: 2. 3. Attorney Fees Family Exemption: (If decedent's address is not the same as claimant's, attach explanation) Claimant Street Address City State Zip Relationship of Claimant to Decedent 14,500.00 4. Probate Fees 5. Accountant's Fees 6. Tax Return Preparer's Fees 7. 1 Karen L. Boyer, Trustee 14,500.00 2 McKonly & Asbury, LLP Certified Public Accountants Fee for preparation of Decedent's 2000 Income Tax Returns 435.00 Total from continuation pages 44.00 TOTAL (Also enter on line 9, Recapitulation) $ (If more space is needed, insert additional sheets of the same size) 39,287.00 9 PA15111 NTF10878 Copyright 1999 Greatland/Nelco LP - Forms Software Only Schedule H part 2 (Page 2) Estate of: Helen L. Smith Item No. Description Amount 3 Register of wills Filing Fee for Petition to Orphans' Court for Appointment of Successor Trustee 4 Register of wills Filing Fee for PA Inheritance Tax Return Total (Carry forward to main schedule) 19.00 25.00 44.00 REV-1512 EX + (1-97) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF Helen L. Smith Include unreimbursed medical expenses. ITEM NO. 1. 1 Internal Revenue Service Decedent's 2000 income tax liability SCHEDULE I DEBTS OF DECEDENT, MORTGAGE LIABILITIES, & LIENS FILE NUMBER 21 2001 - 1026 DESCRIPTION AMOUNT 1,994.00 2 Internists of PA Medical Bill 55.96 3 Merrill Lynch CMA Account Account No. 823-16762 Debit Balance on Account at Date of Death 1,186.00 4 Messiah village Final Nursing Home Bill for February 2001 3,750.00 5 PA Department of Revenue Decedent's 2000 income tax liability 582.00 6 Pharmerica Pharmacy Bill 961. 52 7 Pinnacle Health Hospital Bill 82.00 9 PA 15121 NTF 10874 TOTAL (Also enter on line 10, Recapitulation) (If more space is needed, insert additional sheets of the same size) $ 8,611.48 Copyright 1999 Greatland/Nelco LP - Forms Software Only REV-1513 EX + (1-97) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF SCHEDULE J BENEFICIARIES Helen L. Smith No. NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY I. TAXABLE DISTRIBUTIONS (include outright spousal distributions) 1 1. Isabelle B. Bole c/o Lorraine Gestrich 863 Venus Drive Green Bay, WI 54311 2 Karen L. Boyer 1459 Mt. Gretna Road Elizabethtown, PA 17022 3 Barry Long 325 Courtland Avenue Harleysville, PA 19438 4 Bruce Long 1095 Copenhaffer Road York, PA 17404 FILE NUMBER 21 2001 - 1026 AMOUNT OR SHARE OF ESTATE RELATIONSHIP TO DECEDENT Do Not List Trustee(s) Cousin Niece Nephew Nephew 26,525.53 30,262.32 26,525.53 26,525.53 Total from continuation pages 159,153.18 ENTER DOLLAR AMTS. FOR DISTRIBS. SHOWN ABOVE ON LINES 15 THROUGH 17, AS APPROPRIATE, ON REV 1500 COVER SHEET II. NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT BEING MADE 1. B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS 1. 9 PA 15131 NTF 10880 TOTAL OF PART II u ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV 1500 COVER SHEET $ (If more space is needed, insert additional sheets of the same size) Copyright 1999 Greatland/Nelco LP . Forms Software Only 0.00 Schedule J part 1 (page 2) Estate of: Helen L. Smith Item No. Description Relation Amount 5 Dennis Long 19 Beechwood Avenue Frazer, PA 19355 Nephew 26,525.53 6 Gary Long 14451 Columbia Court Adelanto, CA 92031 Nephew 26,525.53 7 Peter Long 4450 Horshoe Pike Honeybrook, PA 19344 Nephew 26,525.53 8 Robert Long 1170 Rhoda Boulevard Mechanicsburg, PA 17055 Nephew 26,525.53 9 Sally Long 211 Myers Lane New Cumberland, PA 17070 Niece 26,525.53 10 Walter Long 327 Lyster Road Oreland, PA 19075 Nephew 26,525.53 Total (Carry forward to main schedule) 0.00 DEATH CERTIFICATE WARNING: IT IS ILLEGAL TO ALTER THIS COPY OR TO DUPLICATE BY PHOTOSTAT OR PHOTOGRAPH. . ':OMAU~WI'~ {1 or f:N"";'.l't..'JI, . DEi>AIHMENfr ":!lL t- VI'i,L ,.,:::1 o 'DO; LO('~\,~ I F;,\.STflAFl :; ::E\~"IF!CAlION OF DEATH CERT. NO. T 4 8 0 6 3 41 Ii ,r; I.'I/f' ''',>.... ,:,0": \,\ H DF ftA;'c., ,;." '!-J.....':. '. "1' ,;2, ".~ ' '. .J"c", $~? ~.'f"~.'.\ i{ ;~. '--'~~~-'~,:11 \~':":'" < _ ,.~t~ ,,'. ': - h'li '" * . ..~ J * 0, ~~, <~/ ie. 4tl{.~'~' "", " (J. c, ~i\ '- ,,' ' ":..,.~,,..:r;,~ ~n \;\"f~I_I' '., !.:::' '! I!..~ "!!.! !! ' 2-27-01 ---- Date of Issue -;;t-l~is Cerlifu;atio~-- Name of Decedent __.____. HELEN, -- -.---.- >-",1 _ _.L.QNG__n_.___~. SMITH. 11(loir Leist Sex ~___F~~____ Social Security No. _____~_:J,;;.?_=~Q.-3_~~_4_._..____.__ Date of Death __~~-:-26-01 Date of Birth...5..-:J..A-13 _____ Birthplace .___________._.._l'ENNSYLVANIA Place of Death . MESS_JAIL VILLA.Q~________C~E~Dn.._~.MT~.ALLEN..- TW~___.__._Pen!:1~lvania 1,1.;,1;1',' ~~il':"k ":(' ,"'/ ell', BO'Ci'.iqt: l'\f\.'l~hif) Race_.__ WHJT~______. Occupation ~__._...1,.lBRl\RI~- ~_'______ Armed Forces? (Yes or No) -..~-~-- Decedent's Mantal Statusn___WW.QjYEIL- Mailing Address _:J,_O Q.MT .__ ALLEN DR. MECHANICSBURG PA 'j':I"'_" :',:;f''': Ci:,; ,p'-:r SLl!.c Informant__J<AREIi..~9YE..R--_~._--~----- Funeral Director ____._ KRISTINE M. BOSTIAN Name and Address of Funeral EstalJlishment _...BOYER FUNERAL HOME 144. E.. HIG_H STREET ELIZABETHTOWN, PA Interval Between Onset and Death Part I: Immediate Cause (a)___________ SEPSIS (b) _____.__ PNEYMONIA ..__.L___~_._.___.._~_. , _...._.~.~_.__._~--_._._.__._-----------"--~_._-_._----_._-~_._+--_._--~-------_._~---- (c). -_..~----_._.._~-~-~--_._--~~-_.._- --.,-..-----. .....,._-~-----_._-------,-----_._--_._-----_._--_.----'--_.._---------------~_.._'~ Part II. (d)____ _______ Other Significant Conditions NIDDM, PVD, SDAT, DYSPHAGIA _______.______._.__._______________~_~_~___~_'___~__.______._.__.__.__________~~.___..___L_._~________~._.~ I .---,---.---.------~..-.. ...-..-"---.---~.~-~.-.--.___r.-~--.--'----.-~-~-.- Manner of Death Describe how injury occurred: Natural Accident }{-! Homicide Pending Investigation Could not be Determined o -,_..._.._-----------_.__._--~---"._-------_.._-~-----~- SUicide Name and Title of Certfier JAMES ALAN TYNDALL, _ M ._p~____________.__________~_._ (M.D., D.O., Coroner, ME) Address ____. ____ _ _. ____ ___l!LB LO.wTHE~__ L~()Yl'!~___ -~------- --~---- - - ------~--- -~-~ This IS to certify that the information here given is correctly copied from an original CE~rtificate of death duly filed with me as Local Registrar. The original certificate will be for'warded to the State Vital Recocds Office for permanent filin~~X~~___. 3~:.~~,8_. 2-27-01- 2.5. I~CIRc.LE_._.__ ELIZABETHTOWN -:-;:-;-~-~-'";"':,:;L:7~n::~~--------- A_-,-;' Tr"A''-c>-',,;-, LAST WILL AND TESTAMENT OF HELEN L. SMITH , , , . LAST WILL AND TESTAMENT OF HELEN L SMITH I, Helen L. smith, of 119 North Paint Boulevard, Shippenville, pennsylvania 16254, make and declare this my last will, revoking any prior will or codicil made by me. SECTION I I direct .that the expenses of my last illness and of my funeral be paid by my executor. SECTION II I give all property that I possess at my death, of any kind and wherever located, to the Trustee of my trust dated December 27, 1991, as amended at any time prior to my death, or if said declaration of trust is no longer in effect, to hold in trust on the terms and conditions specified in said agreement on the date of this will or of its last codicil, with the same force and effect as if they were set forth in this will verbatim. SECTION III I appoint the Trustee of my Trust dated December 27, 1991 as the executor of my will. In the event that he or she fails to qualify by reason of death, resignation, incapacity or otherwise, I then appoint the successor Trustee of the said Trust dated December 27, 1991 to serve as the executor of my will instead. No executor or duly appointed administrator of this will shall be required to give bond or other security for the faithful performance of his or her duties to administer my estate according to 13>;.-/. My executor or administrator shall have all rights and powers invested by law, and in addition, shall have all rights and powers provided to the Trustee in my Trust dated December 27, 1991. IN WITNESS WHEREOF, I affix my signature this December 27, 1991. ~7~ r;7) ~~ I-IJ Helen L. Smith ( SEAL) Signed, sealed, published and declared as the last will and testament of Helen L. Smith, in our presence, and we accordingly affix our signatures as witnesses to this will this December 27, 1991. ~ .' J ;,1 ~Cf--zv./1~ !1a{ ~... /~()s-l (signature) (address) _4--1J.n)J (' C J"J (signature) "13 f' J2f'~CCd j}~/~~ J IJ~/laj A /J'13 (address) (signature) (address) ACKNOWLEDGEMENT AND AFFIDAVIT OF WITNESSES COMMONWEALTH OF PENNSYLVANIA) ) ss: COUNTY OF CLARION ) We, the undersigned witnesses and Helen L. smith, whose names are attached to the foregoing instrument, being first duly sworn according to law, do depose and say that Helen L. smith signed and executed the said instrument as Helen L. Smith's last will willingly and voluntarily, that each of the witnesses were present when Helen L. Smith signed the said instrument, that each of the witnesses then immediately and in the presence of Helen L. Smith affixed his or her signature, and that Helen L. smith was at that time eighteen years of age or older, of sound mind, and under no undue influence or constraint. (Testator) (Witness) (Witness) (Witness) SUBSCRIBED, sworn to and acknowledged before me by Helen L. smith, and by the witnesses whose signatures appear above on December 27, 1991. ... '1/'1. .' " .1"'1 - ,\ " .. ~\.. .:1....... .... '............ , '..J ..- --.. '-' " :J..~ ,,~y\ t>::.. /..> -:.. - - : - .,' '4'.. c) :. : .. ". , .. ;.do .. ~ ~~:.~: It. ~:=-= . .t: (:) ~:a.= ~"', -.)...- c rt.. ..... " .....c" .:.)... :: :;'-"&-".'.) r"'~''''~ / " p. ". \. ..'?- ~ "," ........0' --- " t' ,-' ~'II", .., ..\,-" """111"'" . ~~%li? ~ f~ Notari;:>j Seal Marv K. 'N~~CY. Notary Public Salem nvp.. \II<GSl111(ltek'lnd !?OOnty My Commission Exr;ires Jan. .) '. '994 M'lm':!er. Fllnn:;yiVOlT1lG /I,;;.;:;CQDUon 01 NotarieS HELEN L. SMITH DECLARATION OF TRUST dated December 27, 1991 DECLARATION OF TRUST made as of December 27, 1991 by HELEN L SMITH GRANTOR and HELEN L SMITH TRUSTEE IN RE: HELEN L. SMITH DECLARATION OF TRUST dated December 27,1991. : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : ORPHANS' COURT DIVISION . ; FILE NO. ,;) -01 - JO;}t:, ORDER CG(Q)[P'V 'tL AND NOW, this /3 day of 'n{)f) , 2001, upon consideration of the foregoing Petition for Appointment of Successor Trustee, and pursuant to 20 Pa.C.S. ~7101, it is hereby ordered that the relief requested in the Petition is granted, and that the Petitioner, Karen L. Boyer, is authorized to sezve as Successor Trustee, without the necessity of posting bond. BY THE COURT, IS! ~n~ ~. tl1Jh ,0>>. ,J. A TRUE COpy FROM RECORD In Testimony wherot, I hereunto set my hand and the seal of said Court at Carlisle. P A This,-.,-J day of --YIIil ., 20Ql. ARTICLE FIRST SECOND THIRD FOURTH FIFTH SIXTH SEVENTH EIGHTH NINTH TENTH ELEVENTH TWELFTH THIRTEENTH FOURTEENTH FIFTEENTH SIXTEENTH TABLE OF CONTENTS TITLE Directions Of Grantor Disability Of Grantor Successor Beneficiaries Minors Or Incompetents Payment Of Debts Life Insurance and Death Benefits Right To Revoke Or Amend Termination Of Trusts Powers Of Trustee Third Parties Appointment Of Trustee Simultaneous Death Trustee Decisions Conclusive Rights Not Assignable Construction Binding Effect DECLARATION OF TRUST DECLARATION OF TRUST, made as of December 27, 1991, between Helen L. smith, having an address at 119 North Paint Boulevard, Shippenville, Pennsylvania 16254, as grantor (herein- after referred to as the "Grantor"), Helen L. smith, having an address as aforesaid, as trustee (hereinafter referred to as the "Trustee"). WIT N B SSE T H: WHEREAS, the Grantor desires to create a revocable trust of the property described in Exhibit A hereto, together with such monies, securities and other assets as the Trustee hereafter at any time may hold or acquire hereunder (said property, monies, secu- rities and other assets, together with any additions thereto re- ceived pursuant to the Grantor's Last will and Testament or as the proceeds of insurance on the Grantor's life, or as death benefits or otherwise, being hereinafter referred to as the "trust fund"), for the purposes and upon the terms and conditions hereinafter set forth. NOW, THEREFORE, in consideration of the covenants herein contained, and other valuable consideration, the receipt and suffi- ciency of which hereby is acknowledged, the Grantor hereby trans- fers, conveys, assigns and delivers to the Trustee as and for the trust fund the property more particularly described in Exhibit A hereto, to hold the same, and any other property which the Trustee hereafter may acquire, IN TRUST, for the purposes and upon the terms and conditions hereinafter set forth: ARTICLE FIRST Directions Of Grantor The Trustee shall hold, manage, invest and reinvest the trust fund, shall collect the income therefrom, and shall pay the net income and any part or all of the principal thereof to whomever the Grantor from time to time may direct in writing. Any income not so paid or applied shall be accumulated and added to the prin- cipal of this trust at least quarter-annually and thereafter shall be held, administered and disposed of as part thereof. 1 ARTICLE SECOND Disabilitv Of Grantor If at any time the Grantor, in the judgment of the suc- cessor Trustee, shall be under any legal disability or shall be unable to manage properly her affairs by reason of illness or mental or physical disability, the successor Trustee may payor ap- ply so much or all of the net income and the principal of the trust fund as the successor Trustee deems necessary or advisable for the health, education, maintenance or support of the Grantor, or for the paYment of insurance premiums on life of the Grantor. Any in- come not so paid or applied shall be accumulated and added to the principal of this trust at least quarter-annually and thereafter shall be held, administered and disposed of as part thereof. In making any paYment hereunder, the successor Trustee may consider, but shall not be required to consider, the income and other resour- ces of the Grantor. No such payment shall be charged upon a subse- quent division of the trust fund against the principal of any share which may be set apart for any beneficiary hereunder. ARTICLE THIRD Successor Beneficiaries Upon the death of the Grantor, the Trustee shall pay and distribute the trust fund at that time remaining to The Grantor's cousin, Isabelle B. Bole, niece, Karen Boyer, niece, Sa~ly Long, nephew, Bruce Long, nephew, Robert Long, nephew, Gary.Long, nephew, Barry Long, nephew, Dennis,Long, nephew, Peter Long, nephew, Walter Long, if then living, in equal shares, per stirpes, discharged of trust. ARTICLE FOURTH Distributions To Minors Or Incompetents In any case in which the Trustee is authorized or dir- ected by any provision of this Agreement to payor distribute in- come or principal to any person who shall be a minor or incompe- tent, the Trustee, in its sole discretion and without authorization of any court, may payor distribute the whole or any part of such income or principal to such minor or incompetent personally, or may apply the whole or any part thereof directly to the health, educa- tion, maintenance or support of such minor or incompetent, or may payor distribute the whole or any part thereof to the guardian, committee, conservator or other legal representative, wherever ap- pointed, of such minor or incompetent or to the person with whom such minor or incompetent may from time to time reside, or in the 2 case of a minor, may payor distribute the whole or any part there- of to a custodian for such minor under any gifts to minors or transfers to minors act. The receipt of the person to whom any such payment or distribution is so made shall be a sufficient dis- charge therefor, even though the Trustee may be such person. The Trustee, in its sole discretion, may defer payment or distribution of any or all inco~ or principal to which a minor may be entitled until such minor Shall attain the age of twenty-one (21) years, or to make such payment or distribution at any time and from time to time, during the minority of such minor, holding the whole or the undistributed portion thereof as a separate fund vested in such minor but subject to the power in trust hereby given to the Trustee to administer and invest such fund and to use the income or principal thereof for the benefit of such minor as if such fund were held in trust hereunder. The Trustee shall pay and distribute any balance of such fund to such minor when such minor shall attain the age of twenty-one (21) years. Except as is here- inabove provided, if such minor shall die before attaining the age of twenty-one (21) years, the Trustee shall pay and distribute such balance to the executors, administrators or legal representatives of the estate of such minor, or if there shall be no such legal re- presentative, to such persons as would have inherited the same and in the same proportions as they would have taken if such minor had died intestate, unmarried, the absolute' owner thereof and a resident of the State in which such minor shall die domiciled. The word "minor", wherever used in this Article FOURTH, shall mean any person who has not attained the age of twenty-one (21) years. ARTICLB FIFTH Payment Of Debts Upon the death of the Grantor, the Trustee may pay from the principal of the trust fund the amount of any estate or death taxes, by whatever name called, ~osed under the laws of any jur- isdiction by reason of the Grantor's death, whether in respect of property passing under this Agreement or the Grantor's Last Will and Testament or otherwise, and the amount of all of the debts which the Grantor f s estate must pay, the expenses of her last illnesses and funeral, and the expenses of administering her estate. The Trustee may rely upon the written certification of the executors, administrators or legal representatives of the Grantor IS estate as to the amount of any such tax, debt or expense, without any duty to inquire as to the correctness thereof, and, in its dis- cretion, may make payment thereof either to said executors, admin- istrators or legal representatives or to the taxing authority or person to whom such amount is owed. 3 ARTICLE SIXTH Life Insurance and Death Benefits with respect to any insurance policies or employee death benefits payable to the Trustee, the Trustee, upon being advised that any sum is so payable by reason of the death of the Grantor, shall endeavor to collect the same, and may bring a suit or action therefor, or may compromise, adjust, settle or submit to arbitra- tion any claims therefor. The Trustee shall be entitled to reim- bursement from the trust fund for all expenses incurred by the Trustee in collecting or atteJIpting to collect any such sum by sui t, action or otherwise. The Trustee, however, shall be under no duty to bring a suit or action unless the expenses of the Trustee, including attorneys. fees, shall have been advanced or guaranteed to the satisfaction of the Trustee. The Trustee may, out of the trust fund, repay any advances aade by the Trustee or reimburse the Trustee for any expenses incurred in collecting or attempting to collect any sum as aforesaid. The Trustee in no case shall be under any duty or Obliga- tion to make any claim against the Grantor's estate, or take any action against the executors, administrators or legal representa- tives of the Grantor's estate, for reimbursement for any reduction of the sums payable upon the death of the Grantor by reason of un- paid premiums or for any other cause, including any loans and in- terest thereto secured by any insurance policies. During the life of the Grantor, the Trustee may, in its discretion, apply the net income or principal of the trust fund to the payment of premiums on any life insurance policy of which the Trustee or any trust hereunder is beneficiary. If the net income and principal is insufficient to pay such premiums, the Trustee may notify the Grantor and the beneficiaries of the trust of such insufficiency and give them the opportunity to furnish the neces- sary funds. If neither the Grantor nor any of the beneficiaries furnishes the funds necessary to pay the premiums, the Trustee may, but shall not be obligated to, obtain the funds required to pay such premiums by selling a portion of the principal of the trust fund, by borrowing on the security of such principal, by borrowing against the cash surrender value of the policy or by surrendering some policies and using the proceeds to pay the premiums on other policies. The Trustee also is authorized to convert such policies to paid-up or extended term insurance if the trust fund does not have the necessary funds to pay the premiums. If no funds are available for the payment of the premiums of any insurance policy, the Trustee may assign ownership of such policy to any or all of the then living income beneficiaries of the trust. The Grantor retains, during her life, all of the rights, options and privileges reserved to or conferred upon her by the terms of said insurance policies or employee death benefit plans, 4 eluding without limitation the right to borrow upon and pledge .le same, to change the beneficiary thereof, to convert the same ~nto other forms of insurance, to collect the cash value thereof, to permit or direct the same to lapse, and to receive dividends and other lifetime benefits of any kind payable to her by the terms thereof. The Grantor may exercise the foregoing rights without the consent of the Trustee or any beneficiary hereunder. ARTICLE SEVENTH Riqht To Revoke Or Amend The Grantor reserves the right, at any time and from time to time, and without the consent of any person or notice to any person other than the Trustee, to amend or revoke in whole or in part this Agreement or any trust created hereunder, or to change the terms or beneficiaries thereof, by delivering to the Trustee written notice of such revocation or change signed by the Grantor. Any such change, however, shall not increase the obligations, or reduce the commissions, of the Trustee without the consent of the Trustee. Upon any such revocation, the Trustee shall deliver to the Grantor all property in the possession or control of the Trust- ee with respect to any trust which has been revoked and shall exe- cute and deliver any instruments necessary to release any interest of the Trustee in such property. The sale or other disposition by the Grantor of the whole or any part of the trust fund held here- under shall constitute as to such whole or part a revocation of this Agreement and the trust or trusts affected thereby. The Grantor reserves the power and right during the life of the Grantor to collect any rent, interest or other income which may accrue from the trust fund and, in her sole discretion, to ac- cumulate such income as a trust asset or to pay such income to the Grantor individually and not in any fiduciary capacity. The Grant- or further reserves the power and right during life of the Grantor to mortgage or pledge all or any part of the trust fund as colla- teral for any loan. ARTICLE EIGHTH Termination of Trusts Notwithstanding anything to the contrary contained here- in, if the principal of any trust created under this Agreement is less than $1,000.00 at any time, the Trustee, in its sole discre- tion, may pay and distribute the entire principal of such trust and all accrued and undistributed income to the beneficiaries of such trust, discharged of trust, and such trust thereupon shall termi- nate. 5 ARTICLE NINTH Powers Of Trustee In the administration of any property, real or personal, at any time forming a part of the trust fund, including accumulated income, and in the administration of any trust created hereunder, the Trustee, in addition to and without limitation of the powers provided by law, shall have the following powers to be exercised in the absolute discretion of the Trustee, except as otherwise ex- pressly provided in this Agreement: (a) To retain such property for any period, whether or not the same is of the character permissible for invest- ments by fiduciaries under any applicable law, and with- out regard to the effect any such retention may have upon the diversity of investments. (b) To sell, transfer, exchange, convert or otherwise dispose of, or grant options with respect to, such prop- erty, at public. or private sale, with or without security, in such manner, at such times, for such prices, and upon such terms and conditions as the Trustee may deem advisable. (c) To invest and reinvest in common or preferred stocks, securities, investment trusts, bonds and other property, real or personal, foreign or domestic, including any undivided interest in anyone or more common trust funds, whether or not such investments be of the character permissible for investments by fiduciaries under any applicable law, and without regard to the ef- fect any such investment may have upon the diversity of investments. (d) To render liquid the trust fund or any trust created hereunder in whole or in part, at any time and from time to time, and to hold cash or readily marketable securi- ties of little or no yield for such period as the Trustee may deem advisable. (e) To lease any such property beyond the period fixed by statute for leases made by fiduciaries and beyond the duration of any trust created hereunder. (f) To join or become a party to, or to oppose, any re- organization, readjustment, recapitalization, foreclo- sure, merger, voting trust, dissolution, consol ida tion or exchange, and to deposit any securities with any committee, depository or trustee, and to pay any fees, expenses and assessments incurred in connection there- with, and to charge the same to principal, and to exer- 6 , (1) To make distribution of the trust fund or of the principal of any trust created hereunder in kind, and to cause any distribution to be composed of cash, property or undivided fractional shares in property different in kind from any other distribution, without regard to the income tax basis of the property distributed to Ciny bene- ficiary of any trust. (m) To allocate receipts and disbursements of the trust fund between income and principal as the Trustee in its discretion may determine. (n) To execute and deliver any and all instruments or writings which it may deem advisable to carry.out any of the foregoing powers. No party to any such instruments or writings shall be obligated to inquire into its validity. (0) To exercise "all such rights and powers and to do all such acts and enter into all such agreements as persons owning similar property in their own right might lawfully exercise, door enter into. No person who deals with any Trustee hereunder shall be bound to see to the application of any asset delivered to such Trustee or to inquire into the authority for, or propriety of, any action taken or not taken by such Trustee. Notwithstanding anything to the contrary contained here- in, during such time as any beneficiary of any trust created here- under (other than the Grantor) may be acting as a Trustee here- under, such person shall be disqualified from exercising any power to make any discretionary distributions of income or principal to himself or to make discretionary allocations in his own favor of receipts or disbursements as ?etween income and principal. No Trustee shall be liable for acts or omissions in ad- ministering the trust fund or any trust created by this Agreement, except for that Trustee's own actual fraud, gross negligence or willful misconduct. If any Trustee becomes liable as Trustee to any pther person who is not a beneficiary in connection with any matter not within the Trustee's control and not due to the Trust- ee's actual fraud, gross negligence or willful misconduct, such Trustee shall be fully indemnified and held harmless by the trust fund and any trust created hereunder giving rise to such liability, as the case may be, against and in respect of any damages that such Trustee may sustain, including without limitation attorneys' fees. No successor Trustee shall incur any liability as a result of qualifying as a Trustee hereunder before receiving an account of the previous administration of the trust fund and the trusts creat- ed hereunder. 8 cise conversion, subscription or other rights, and to make any necessary paYments in connection therewith, or to sell any such privileges. (g) To vote in person at meetings of stock or security holders and adjournments thereof, and to vote by general or limited proxy with respect to any stock or securities. (h) To hold stock and securities in the name of a nominee without indicating the trust character of such holding, or unregistered or in such form as will pass by delivery, or to use a central depository and to permit registration in the name of a nominee. (i) To pay, compromise, compound, adjust, submit to arbitration, sell or release any claims or demands of the trust fund or any trust created hereunder against others or of others against the same as the Trustee may deem advisable, including the acceptance of deeds of real property in satisfaction of notes, bonds and mortgages, and to make any payments in connection therewith which the Trustee may deem advisable. (j) To borrow money for any purpose from any source, in- cluding any trustee at any time acting hereunder, and to secure the repaYment of any and all amounts so borrowed by mortgage or pledge of any property. (k) To possess, manage, insure against loss by fire or other casualties, develop, subdivide, control, partition, mortgage, lease or otherwise deal with any and all real property: to satisfy and discharge or extend the term of any mortgage thereof; to execute the necessary instru- ments and covenants to effectuate the foregoing powers, including the giving or granting of options in connection therewith: to make repairs, replacements and improve- ments, structural or otherwise, or abandon the same if deemed to be worthless or not of sufficient value to warrant keeping or protecting; to abstain from the pay- ment of real estate taxes, assessments, water charges and sewer rents, repairs, maintenance and upkeep of the same; to permit to be lost by tax sale or other proceeding or to convey the same for a noainal consideration or without consideration: to set up appropriate reserves out of in- come for repairs, modernization and upkeep of buildings, including reserves for depreciation and obsolescence, and to add such reserves to principal and, if the income from the property itself should nat suffice for such purposes, to advance out of other income any sums needed therefor, and advance any income of tie trust for the amortization of any mortgage on property held in the trust. 7 (1) To make distribution of the trust fund or of the principal of any trust created hereunder in kind, and to cause any distribution to be composed of cash, property or undivided fractional shares in property different in kind from any other distribution, without regard to the income tax basis of the property distributed to any bene- ficiary of any trust. (m) To allocate receipts and disbursements of the trust fund between income and principal as the Trustee in its discretion may determine. (n) To execute and deliver any and all instruments or writings which it may deem advisable to carry 'out any of the foregoing powers. No party to any such instruments or writings shall be obligated to inquire into its validity. (0) To exercise all such rights and powers anq to do all such acts and enter into all such agreements as persons owning similar property in their own right might lawfully exercise, do or enter into. No person who deals with any Trustee hereunder shall be bound to see to the application of any asset delivered to such Trustee or to inquire into the authority for, or propriety of, any action taken or not taken by such Trustee. Notwithstanding anything to the contrary contained here- in, during such time as any beneficiary of any trust created here- under (other than the Grantor) may be acting as a Trustee here- under, such person shall be disqualified from exercising any power to make any discretionary distributions of income or principal to himself or to make discretionary allocations in his own favor of receipts or disbursements as between income and principal. No Trustee shall be liable for acts or omissions in ad- ministering the trust fund or any trust created by this Agreement, except for that Trustee's own actual fraud, gross negligence or willful misconduct. If any Trustee becomes liable as Trustee to any other person who is not a beneficiary in connection with any matter not within the Trustee's control and not due to the Trust- ee's actual fraud, gross negligence or willful misconduct, such Trustee shall be fully indemnified and held harmless by the trust fund and any trust created hereunder giving rise to such liability, as the case may be, against and in respect of any damages that such Trustee may sustain, including without limitation attorneys' fees. No successor Trustee shall incur any liability as a result of qualifying as a Trustee hereunder before receiving an account of the previous administration of the trust fund and the trusts creat- ed hereunder. 8 The Trustee is authorized, but not required, to accept ny property transferred to the Trustee by any person during such ?erson I s lifetime or by such person's Last Will and Testament. Any property so transferred by any person shall become a part of such trust or trusts created by this Agreement as such person shall direct and may be commingled with the other property in the trust or trusts to which such property has been added and shall be held, administered and disposed of as a part of such trust or trusts. The Trustee, at any time and from time to time, may render to the Grantor an account of its acts and transactions as Trustee with respect to the income and principal of any trust created hereunder, from the date of creation of such trust or from the date of the last previous account of the Trustee. Such account shall be rendered in any form acceptable to the Grantor and the Trustee. The Grantor shall have full power and authority on behalf of all persons interested in such trust, whether such interest relates to income or principal, to settle and adjust such account. Such settlement shall be final and conclusive upon all persons so interested in such trust and the Trustee shall not be required to obtain judicial approval of the account or accounts so settled. Upon such settlement, the Trustee shall be fully and completely discharged and released from all further liability, responsibility and accountability for or with respect to their acts and trans- actions as set forth in the account or accounts so settled. Nothing herein, however, shall be construed as a limitation upon the right of the Trustee to seek judicial settlement of their ac- count or accounts whether or not such account or accounts are so settled. ARTICLE TENTH Third Parties Not Responsible For Administration This trust is created with the express understanding that each bank at which an account is maintained shall have no responsi- bility or liability whatsoever to see to the proper administration of this trust. Upon the transfer of the right, title and interest in and to any account by any Trustee hereunder, the bank shall conclusively treat the transferee as the sole owner of such account. Until the bank shall receive from some person interested in this trust written notice of any death or other event upon wh~ch a right to receive income or principal may depend, the bank shall incur no liability for payment made in good faith to persons whose interests shall have been affected by such event. The bank shall be protected in acting upon any notice or other instrument or docu- ment believed by it to be genuine and to have been signed or pre- sented by the proper party or parties. This trust is created with the express understanding that each issuer, transfer agent or custodian of any securities held 9 , , hereunder shall have no responsibility or liability to see to the proper administration of this trust. Upon the transfer of the right, title and interest in and to such account by any trustee hereunder, said issuer, transfer agent or custodian shall con- clusively treat the transferee as the sole owner of such securities. Until the issuer, transfer agent or custodian shall receive from some person interested in this trust written notice of any death or other event upon which a right to receive income or principal may depend, the issuer, transfer agent or custodian shall incur no liability for payment made in good faith to persons whose interests shall have been affected by such event. The issuer, transfer agent or custodian shall be protected in acting upon any notice or other instrument or document believed by it to be genuine and to have been signed or presented by the proper party or parties. ARTICLE ELEVENTH ADoointment O~ Trustee The Grantor appoints herself as Trustee hereunder. The Grantor hereby appoints Isabelle B. Bole, having an address at RD 3, Box 261, Valencia, Pennsylvania 16059-9123, as successor Trustee hereunder, to serve in the event of the Grantor's physical or mental incapacity. In the event that Isabelle B. Bole shall be unwilling or unable to serve in this capacity, then the Grantor appoints Karen Boyer, having an address at 1459 Mount Gretna Road, Elizabeth Town, Pennsylvania 16022, to serve in her stead in the event of the Grantor's physical or mental incapacity. The Grantor appoints Apollo Trust Company, having an address at Box 247, ~ Apollo, Pennsylvania 15613-0247, to serve as Successor Trustee upon the death of the Grantor. The term "Trustee" wherever used herein shall mean the trustee in office from time to time. Any such trustee shall have the same rights, powers, duties, authority and privileges, whether or not discretionary, as if originally appointed hereunder. No bond or other security shall be required of any Trustee acting hereunder for the faithful performance of the duties of Trustee, notwithstanding any law of any State or jurisdiction to the contrary. ARTICLE TWELFTH simultaneous Death If any beneficiary under this Agreement shall die simultaneously with any other person upon whose death such benefi- ciary shall become entitled to receive either income or principal 10 under this Agreement, or in such circumstances as to render it dif- ficult or impracticable to determine who predeceased the other; then for purposes of this Agreement such beneficiary shall be deem- ed to have predeceased such other person. The death of a benefi- ciary during the lifetime of the Grantor, or in a common accident or disaster with the Grantor, shall revoke the designation of such beneficiary as a beneficiary hereunder. The provisions of this Agreement shall be construed as aforesaid, notwithstanding the pro- visions of any applicable law establishing a different presumption of order of death or providing for survivorship for a fixed period as a condition of inheritance of property. ARTICLE THIRTEENTH Decisions Of Trus~ee Are conclusive The determination of the Trustee in respect of the amount of any discretionary payment of income or principal from any trust established hereunder, and of the advisability thereof, shall be final and conclusive on. all persons, whether or not then in being, having or claiming any interest in such trust, and upon making any such payment, the Trustee shall be released fully from all further liability or accountability therefor. The right of any beneficiary to any payment of income or principal shall in every case be subject to any charge or deduction which the Trustee may make against the same under the authority granted to the Trustee by any law or by this Agreement. ARTICLE fOURTEENTH Riqhts Of Beneficiaries Are Not Assiqnable No disposition, charge or encumbrance on the income or principal of any trust established hereunder, or any part thereof, by any beneficiary thereof by way of anticipation shall be valid or in any way binding upon the Trustee. No beneficiary shall have the right to assign, transfer, encumber or otherwise dispose of such income or principal or any part thereof until the same shall be paid to such beneficiary by the Trustee. No income or principal or any part thereof shall in any manner be liable to any claim of any creditor of any beneficiary. ARTICLE FIFTEENTH Construction This Agreement and all trusts created hereunder shall be construed and enforced in accordance with the laws of the Common- 11 .ealth of pennsylvania, and the validity and effect of this Agree- ment shall be determined in accordance with the laws of the Common- wealth of Pennsylvania. Wherever use in this Agreement and the context so requires, the masculine shall include the feminine and the singular shall include the plural, and vice versa. The captions in this Agreement are for convenience of reference, and they shall not be considered when construing this Agreement. If under any of the provisions of this Agreement any portion of the trust fund would be held in trust for longer than a date twenty-one years after the death of the last survivor of the Grantor and the beneficiaries hereunder, in being when this Agree- ment becomes irrevocable; then upon such date the trust of such portion shall terminate and the principal, together with any accru- ed and unpaid income thereon, shall be paid and distributed to the person or persons then living who would have been entitled to re- ceive the income therefrom had the trust continued, in the propor- tion in which they would have been so entitled. ARTICLE SIXTEENTH Bindinc:r Effect This Agreement shall extend to and be binding upon the heirs, executors, administrators, successors and assigns of the undersigned Grantor and upon the Trustee acting hereunder. IN WITNESS WHEREOF, this Agreement has been duly executed as of the date first above written. ~~~/-l! Helen L. Smith Grantor 12 COMMONWEALTH OF PENNSYLVANIA) ) SS.: COUNTY OF CLARION ) On this 27th day of December, 1991, before me, , the undersigned officer, personally appeared Helen L. Smith, known to me to be the person whose name is subscribed to the within instrument, and acknowledged that she executed the same for the uses and purposes therein contained. IN WITNESS WHEREOF I hereunto set my hand and official . .,'S~~'l'~,. . .' t 'f.., .(('~""" ,,'. ''''''~''''~'.::':,..:,( ~';. .: -)- .,' ,,:''''''~f-/ '. \~~ :: :' ,~:~., .*~..; v ". ~ : :....: .... "ll'~' ~ 1: - .. 0 F - .... ~ - ~...'..- ..'..,..' j ! ~ " <,,:,,~t.'; .A.~! : .., ."f, . +, ......... tl ~ ':::. 0 .... 'I'SY\.~ yo ."" i ~ ).... ... '" ~ " ........,'4 ......... ~ -...., ..v- '" I? 'f P \) ,." "" ,,\' """"'"',, . -/lla::xa~~cf~ My commission expires on Notariaf Seal Mary K Weg.~, Nola'Y Public Salem Twp., Wes1mOreIand County My COmmission Expires Jan. 31, 1994 Member, Pern:yl\lot'llQ ~G1lgn 0/ NQt;ries 15 PA REV-1500 SCHEDULE F JOINTL Y OWNED PROPERTY Pliority 50 Plus Accoun~u~tatement PI"C Bank 0. PNCBAl\K Primary account number: 50-7007-1886 Page 1 of 2 For the period 01/18/2001 to 02113/2001 Number of enclosures: 1 N HELEN L SMITH KAREN LONG BOVER 1459 MT GRETNA RD ELIZABETHTOWN PA 17022-9580 12' For 24-hour customer service or current rates: Call 1-888-PNC-BANK t3I Write to: Customer Service PO Box 609 Pittsburgh PA 15230-9738 B Visit us at www.pncbank.com I TOO terminal: 1-800-531-1648 For hearing impaired clients only Take a Bite Out of Taxes--Consult a PNC Drollerage Corp Investment Consultant Today_ Get a free, no obligation ("onsultation. PNC Brokerage Corp offers a wide range of non-bank investment products and services, su("h as non-FDIC insured stocks, bonds, mutual funds, unit hwestment trusts, and other products which ma)' be able to help you increase your income, reduce ta.xes, prepare for college, or plan for retirement. PNC Brokerage Investment Consultants can be rea("hed through our Customer Senice Center at 1-800-762-6111, our website at www.pncbrokerage.com or at an}' PNC Bank branch office. Priority 50 Plus Interest Checking Account Summary Account number: 50-7007-1886 Account link 1Il number: 0158203384 Helen L Smith Karen Long Boyer Balance Summary 9.83 Ending balance 7,473.64 Please see the Activity Detail section for additional information. Beginning balance 5,340.75 Deposits and other additions 2,142.72 Checks and other deductions Average monthly balance 6,358.95 Charges and fees .00 Transaction Summary Checks paid/ withdrawals Bank card/POS Account Information transactions assistance calls Teller transactions 1 o 0 o Total ATM transactions PNC Bank MAC Other MAC ATM ATM transactions transactions Other ATM transactions o o 0 o Interest Summary As of 02/13, a total of $5A2 in interest was earned this year. Annual Percentage Yield Earned (APYE) 0.45% Number of days in interest periOd Average collected balance for APYE Interest Earned this period 27 6,358.95 2.13 Activity Detail Dep~sits and Other Additions Date Amount Description 01/31 937.59 Direct Deposit - Annuit:mt PA Tno-asury Dept 158203384 02/02 1.203.00 Dit-eet Deposit - Soc See US Treasury 303 159126920D There were 3 Deposits and Other Additions totaling $~ 142.72. Deposits and Other Additions continued on next page Pliority 50 Plus Accoun.l- ~tatement 0,PNCBAN< t,-o the period 01/1812001 to 02113/2001 HELEN L SMITH Primary account number: 50-7007-1886 Page 2 of 2 '!r For 24-hour customer service: Call: 1-888-PNC-BANK Account number: 50-7007-1886 - continued Deposits and Other Additions - continued Date Amount Description 02/13 2.13 Intet"est Payment Checks Check number 950 Amount 7.83 Date paid 02/07 Reference number 022005570 There is 1 check listed totaling $7.83. There was 1 Online or Electronic Banking Deduction totaling $2.00. Online and Electronic Banking Deductions Date Amount Description 0~05 2.00 Di.-ect Payment - Feb Dues Pl-io.-ity 50 Plus 019072100000 Da;;y Balance Detail Date Balance 01/18 5,340.75 01/31 6,278.34 Date 02/02 02/05 Balance 7,481.34 7,479.34 Date 02/07 02/13 Balance 7,471.51 7,473.64 . PA REV-1500 SCHEDULE G INTER-VIVOS TRANSFERS and MISCELLANEOUS NON-PROBATE PROPERTY ~~ :,~ ~! 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":lUll(llWS l' lauuad lI:l.lOl!d q:lu.<., I1!JJaW 'lI.\\ pUll 'lUa!l:) aql nOA aop.ilUoJUllU.~odwl Jaq.O pue Juno:l::lV ~l1JJn33S .IDO,.\ 2u!p.l.:l:lll JU:/W3a.l:lV 33Ll H~IHS , N3'3H ~N!lO~X)V .iIIIII:J ~NtlnJllIlIOllId q9uA..m....a... ~ Historical Prices Page 1 of 1 ~OO!FlNANCE~ Search - Finance Home - Yahoo! - .I:::ieIQ Historical Prices - ATF (Equity Income Fund First Exchange) As of 26-Feb-01 More Info: Quote I Chart I News I Profile I SE:C I Msgs I InSider Month Day Year Start: I Feb~ I?Ei Ip1.. End: tFe~mm I?Ei.IO 1m (i Daily r Weekly (" Monthly r Dividends Ticker Symbol: l~tf Date Open High Low Close Volume Adj. Close* 26-Feb-Ol 138.00 142.30 138.00 142.11 7,200 139.07 .~ \;) &- It{(,/~ y. ,---'1 COsJl ~ = Ii VrA eLl S. ()7j ) DOJvoload Spreadsheet. Eonoat * adjusted for dividends and splits, please see FAQ. Qyest!QI1S _Qf-';Qmmel1~? Copyright @ 2002 Yahoo! Inc. All righ~ reserved. PrivaCY Policv - Terms of Service Historical chart data and daily updates provided by Commodity Systems.Jllc.(CSll. Data and information is provided for informational purposes only, and is not intended for trading purposes. Neither Yahoo nor any of its data or content providers (such as CSI) shall be liable for any errors or delays in the content, or for any actions taken in reliance thereon. http://chart.yahoo.com/d?a=2&b=26&c=0 1 &d=2&e=26&f=0 1 &g=d&s=A TF 3/14/2002 Historical Prices Page 1 of 1 ~oO!FlNANCE~ Search - Finance Home - Yahoo! - Help Historical Prices - EAS (Energy East Corp) As of 26-Feb-01 More Info: Quote I Chart I News I profile I Research I SEe I Msgs I Insider Month Day Year Start: I ~ebJjf 12fS.. .101... End: IFeb..::{ 126m 101. (i. Daily (' Weekly (' Monthly (' Dividends Ticker Symbol: leas Date Open High Low Close Volume Adj. Close* 26-Feb-0 1 18.50 19.00 18 .40 18.84 243,000 18.00 ~ I g, (OX "-[00 s h ':- - ..po, ~7,lfZ( DownJoadSpreadsbeelFormat * adjusted for dividends and splits, please see FAQ. OvestiQI1S 9LCQmmel1lS3 Copyright @ 2002 Yahoo! Inc. All rights reserved. Privacy Policv - Terms of Service Historical chart data and daily updates provided by Commodity Systems, Inc..(CSIl. Data and information is provided for informational purposes only, and is not intended for trading purposes. Neither Yahoo nor any of its data or content providers (such as CSI) shall be liable for any errors or delays in the content, or for any actions taken in reliance thereon. http://chart.yahoo .com/d?a=2&b=26&c=0 1 &d=2&e=26&f=0 1 &g=d&s= EAS 3/1412002 Historical Prices Page 1 of 1 ~oO!FlNANCEIJff1 Search - Finance Home - Yahoo! -1:::!.eJQ Historical Prices - PPL (PPL Corp) As of 26-Feb-01 More Info: Quote I Chart I News I profile I Research I SEC I Msgs I Insider Month Day Year Start: I Fe~H 126 ....101... . End: IFeblll26 101... Ci' Daily r Weekly r Monthly r Dividends Ticker Symbol: Ippl Date Open High Low Close Volume Adj. Close* 26-Feb-0 1 45.00 46.15 44.99 45.58 418,900 44.05 /1 V b --- (I ~ .~ 7 Dowuload..SpreadsbmeetEormat ...r Il'or~ adjus!;d for divid~nds and splits, please see FAQ. 'I U \.;.:,0 ~ -a J 11 ~:) L1 }... Q\Je.~1iQ.m,_.Qt_CQmlJLen~3 Copyright @ 2002 Yahoo! Inc. All righls reserved. Privacy Policy - Terms of Service Historical chart data and daily updates provided by Commodity Systems. Inc. (CSI). Data and information is provided for informational purposes only. and is not intended for trading purposes. Neither Yahoo nor any of ils data or content providers (such as CSI) shall be liable for any errors or delays in the content. or for any actions taken in reliance thereon. http://chart.yahoo.com/d?a=2&b=26&c=0 1 &d=2&e=26&f=0 1 &g=d&s=PPL 3/14/2002 I-{istorical Prices Page 1 of 1 ~oO!FlNANCEJJlfl Search - Finance Home - Yahoo! - Help Historical Prices - SSC (SSC Communications Inc) As of 26-Feb-01 More Info: Ovate I Chart I News I Profile I Research ISEC I Msgs I Insider Month Day Year Start: IFeb.!1f 1?E5m 191..... End: IFebm.~ 126.......191.....1 (i. Daily (' Weekly (' Monthly r Dividends Ticker Symbol: h~c. Date Open High Low Close Volume Adj. Close* 26-Feb-Ol 49.72 50.30 49.20 50.30 5,063,500 49.10 J Vb :..---- Download.Spread.sheetE(trmat * a~usted for dividends and splits, please see FAQ. '/. 31 Il; t .sf;~ -/ f? I 671 I (0 ; ~o -- iil i: I 1 ~ Q\Je$!j<;m$OLQ.QmmerL~1 Copyright @ 2002 Yahoo! Inc. All rights reserved. Privacy Policy - Terms of Service Historical chart data and daily updates provided by Commodity Systems. Joe. (CSIJ. Data and information is provided for informational purposes only. and is not intended for trading purposes. Neither Yahoo nor any of its data or content providers (such as CSI) shall be liable for any errors or delays in the content, or for any aCtions taken in reliance thereon. http://chart.yahoo.com/d?a==2&b==26&c=0 1 &d==2&e=26&f-=0 1 &g=d&s=SBC 3/14/2002 Historical Prices Page 1 of 1 b;Elo01FlNANCE JJf!l Search - Finance Home - Yahoo! - tfsilll Historical Prices - VZ (Verizon Communications) As of 26-Feb-01 More Info: Quote I Chart I News I profile I Research I SEC I MS9S/ Insider Month Day Year Start: IFebill26 .101 End: IFeb . zl'126 ..... 101 . (i Daily r Weekly r Monthly r Dividends Ticker Symbol: Ivz Date Open High Low Close Volume Adj. Close* 26-Feb-Ol 50.1 0 51.10 48.88 50.95 4,238,000 49.46 Download Spreadsheet Fonnat * adjusted for dividends and splits, please see FAQ. ~\ Vb / ...:--:-- C( q' JI c; 'I l ?11s h '> ~ ~ li, Uq 2, 7 Z Oue.s!JOUS..OLCOffi.ments..? Copyright @ 2002 Yahoo! Inc. All rights reserved. Privacy PoliCY . Terms of Service Historical chart data and daily updates provided by Cornmoditv SYstems. Inc. ICSIl. Data and information is provided for informational purposes only. and is not intended for trading purposes. Neither Yahoo nor any of its data or content providers (such as CSI) shall be liable for any errors or delays in the content, or for any actions taken in reliance thereon. hrtp:11 chart. yahoo .coml d?a==2&b==26&c==0 1 &d==2&e=26&f=0 1 &g=d&s=VZ 3/14/2002 Historical Prices Page 1 of 1 . ' ~(FlNANCE ~ Search - Finance Home - Yahoo! - tieJQ Historical Prices - ANEFX (New Economy Fund) As of 26-Feb-01 More Info: Quote I Chart I Profile I Insicjer Month Day Year Start: IF~b.. i.l126 ..Iql... ..... End: IFeb2:J I?Ei.lq~. (e. Daily r Weeldy (" Monthly r Dividends Ticker Symbol: l~.~~f~u Date Open ffigh Low Close Volume Adj. Close* 26-Feb-0 1 21.85 23.18 21.85 21.85 0 21.85 JUb ~V)Jl>lC; i {j&t&h~ J)ownload_Spr~adsbeelF_Ql:mat * adjusted for dividends and splits, please see FAQ. ~ / !::>-; U <( tJ, [),).. Qu.e~!iQffiJ)IJ:&.T'!lm!ill..l!>..1 Copyright @ 2002 Yahoo! Inc. All rights reserved. Privacy PoliCY . Terms of Service Historical chart data and daily updates provided by Commodity Systems.Jnc,(CSI), Data and information is provided for informational purposes only, and is not intended for trading purposes. Neither Yahoo nor any of its data or content providers (such as CSI) shall be liable for any errors or delays in the content, or for any actions taken in reliance thereon. http://chart.yahoo.com/d?a=2&b=26&c=0 1 &d=2&e=26&f=0 1 &g=d&s=ANEFX 3/1412002 Historical Prices Page 1 of 1 . ' "'hHOO!FlNANCE tlfl Search - Finance Home - Yahoo! - Help Historical Prices - MHDIX (Mercury Asset Management Inc Global Holdings Fund) As of 26- Feb-01 More Info: Quote I Chart I Profile I Insider Month Day Year Start: t~e~.if 126m: 101 End: I~ebif 126m 101m: (e Daily r Weekly r Monthly r Dividends Ticker Symbol: Irnhdixm Date Open High Low Close Volume Adj. Close* 26-Feb-0 1 8.56 9.03 8.56 8.56 0 8.56 fLUb ~g, 7QS 'I- ?sC s h~ -=- Download Spreadsheet Format * adjusted for dividends and splits, pleaseseeFAQ. q 1, '--I 7 S-. 7 ~- . . Questions or Comments? Co~right @ 2002 Yahoo! Inc. All rights reserved. Privacy Policy - Terms of Service Historical chart data and daily updates provided by Commodity Systems, Inc. (CSI). Data and information is provided for informational purposes only, and is not intended for trading purposes. Neither Yahoo nor any of its data or content providers (such as CSI) shall be liable for any errors or delays in the content, or for any actions taken in reliance thereon. http://chart.yahoo.com/d?a=2&b=26&c=0 1 &d=2&e=26&f=0 1 &g=d&s=MHDIX 3/14/2002 Historical Prices Page 1 of 1 ~oO!FlNANCE~ Search - Finance Home - Yahoo! - Help Historical Prices - TEMWX (Templeton Funds Inc World Fund) As of 26-Feb-01 More Info: Quote I Chart I Profile /Insider Month Day Year Start: IFe~ It:1126 101. End: IFeb..1:1f 126Ig1...... (i Daily r Weekly r Monthly r Dividends Ticker Symbol: Itel11viXm. Date Open High Low Close Volume Adj. Close* 26-Feb-Ol 16.14 17.12 16.14 16.14 0 16.14 DownloadSpreadsbeet..Fmormat * adjusted for dividends and splits, please see FAQ. 11\)6 --- i/&, u3 X ((/t[t3 X /{;.&3 '( JJ c; /';s h~ c:: ~I ell t J. ii, [/::;- \. / - 5JS .sj,~-;:;- ~ 730, 7 ~ ----t3q I D ~h ':; --- (p ,50 ) IJ 3-0/ h-~ /, 70 QI,l~stiOI1S QrCQmm~I1~? Copyright @ 2002 Yahoo! Inc. All righls reserved. Privacy Policy - Terms of Service Historical chart data and daily updates provided by Commodity Systems, Inc. (CSIl. Data and information is provided for informational purposes only. and is not intended for trading purposes. Neither Yahoo nor any of ils data or content providers (such as CSI) shall be liable for any errors or delays in the content. or for any actions taken in reliance thereon. http://chart.yahoo.com/d?a=2&b=26&c=0 1 &d=2&e=26&f=0 1 &g=d&s=TEMWX 3/14/2002 Quicken.com - Ticker Search . " Page 1 of 1 Save your spot on the Web! 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Enter a full or partial name: lTernPletonm vyorlciFu(Jd Name TEMPLETON CHINA WORLD FUND INC COM TEMPLETON FUNDS INC WORLD FUND CL B TEMPLETON WORLD A TEMPLETON WORLD C Symbol links TCH Quote I Chart I Add toPortfollo TWDBX Quote I Chart I Add to Portfolio TEMWX Quote I Chart I l\ddtoPorttolLo TEWTX Quote I Chart I Add to Portfolio Page 1 (Records 1 - 4 of 4) 11 site stuff Sign Up . Help Center. Free Newsletters quicken Qt,Jir;l<en WePEntry . !3t,Jy $of'tWiiJre Qnlim; . IQpTeDQu)r=.KenEAQs . prPcJt,Jc:tTiP$ fyi Privacy Statement. Information for Advertisers . Careers@Intuit . Beta Testing search GOI Site Index. Site Mao . Help' Glossarv ~lntult' @ 1997,2002 Intuit Inc Trademark Notices By accessing and uSing this page you agree to the Terms of Service http://www.quicken.com/investmen ts/tickersearchl 3/14/2002 , ,\ . PA REV-1500 SCHEDULE H FUNERAL EXPENSES and ADMINISTRATIVE COSTS 717-653-6357 PHILHAVEN 478 P02 MAR 21 '02 13:21 " . / " BOYER FUNERAL HOME, LTD. MRS Karen Boyer 1459 Mt. Gretna Road Elizabethtown, P A 17022 FOR THE FUNERAL SERVICE OF: HELEN LONG SMITH, February 26, 2001 PROFESSIONAL SERVICE CHARGE: OTHER STAFF & RELATED FACILITIES CHARGE: TRANSPORTATION CHARGE: 2085.00 650.00 966.00 MERCHANDISE: BalesviHe. Sutler Bronze/Sutter. 18 Gauge, Monoseal. Steel Casket. Evans/Clark 12Ga Steel Memoria) Group 3 195.00 I 595.00 165.00 Total Funeral Charges 8 656.00 CASH DISBURSEMENTS: Cemetery Certified Copies Church Engraving Musician Oil City Shannondale Cemetery Assoc. Tent 250.00 40.00 400.00 100.00 200.00 52.00 20.00 90.00 Total Cash Disbursements 1 152.00 -~. 808.00 8 606.78 I 201.22 Balance Prepaid Funds Deposit / Payments Balance Due ******* PAID IN FULL ***... THANK YOU *"'*** $ 0.00 144 East High Street. Elizabethtown. PA 17022 717-367.1380 · FAX 717-367-3040 Kristine M. Bostian, SlIpervisor . .. . McKoNLY ~AsBURY LLP Cl-\RE,,"CE E. -\SBL.:RY. CP-\, C\'.-\ TERRY L. H-\RRIS, CP-\ ROBERT-\. RO,\\AKO. CP-\ GARY I. DUB-\S, CP-\ SCOTT -\. HEIi';TZEL.\1A:-.i. CP-\, C'"I.-\. CFE TRACEY L. RASH. CP-\ CERTIFIED PUBLIC ACCOUNTANTS .',,\E',,\BERS .-\,\\ERIC-\:-.i -\.';0 PE'\JNSYLVA:-.iIA INSTITUTES OF CERTIFIED PUBLIC ACCOU NT-\NTS I t INTERNATIOr'';AL GROUP OF ... ACCOUNTING FIRMS MRS KAREN BOYER 1459 MT GRETNA RD ELlZABETHTOWN PA 17022-9580 Invoice No. Date Client No. 9413 02/28/2001 S1 000. 0024 RE: HELEN L. SMITH Preparation of individual income tax returns for the year ended December 31 , 2000 $ 435.00 DUE UPON PRESENTATION A FINANCE CHARGE OF ONE AND ONE-HALF (l'h) PERCENT per month (ANNUAL RATE OF 180'0) will be added to any account balance which remains outstanding for more than THIRTY (30) DAYS from the date such balance is rlrst invoiced. N I .'v1AILlNG ADDRESS: P.O. BOX 1331 HARRISBL:RG. P-\ 17105 WEB SITE: W\\\\.m,lCp.Js.com , .., . PA REV-1500 SCHEDULE I DEBTS OF DECEDENT, MORTGAGE LIABILITIES and LIENS "'1 d ,. ,~. 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Vd NMOJ.Hl:lBVZI1:1 au YNJ3H9 J.NnOW 6S"a. H:lAOB N:lUV>I 0/0 H.LIWS' N:ll:1H AS a.6/.L~/n ala 'fin 3311 H.LIWS , N:l13H ... 1"11""11'1"1'1'1"'1'11'1"1'1'" "111"'111"'1 ("L9rUZ.U8.a.)A1.IUOIUd~.U8." 1.065 a. Vd NMOl.SNHOr 01." 3.1.105 1.5 NI1>1NYH.:I LZl; :8:aUJO ,,:auA, 1I1JJ8W Jno", :sNous:lnb 30lAU3S U3Wo~snO UO:l I.ast-sts ("1.8) WO::l'IW@8JloM-lge'l::lIW 3:110M S 13YH:lIW :.LNYl. ,nSNOO 'VIONYNI:I I:IOOA Zr[90'ZO[$ lOOZ/8Z/Z0 dO SYIDllV A J.NllO:>:>Y1V.LOJ, J.N!lo:>:>v.iIIV:J mall:) A.LlllOllId Q3uA'IIIIUaw ~ ,~, PLEASE MAKE CHECK PAYABLE TO: 03/07/01 ,.r ~ , INTERNISTS of Central Pa. LTD Peter ~!. Brier. ~I.D. ~lichael L. Gluck. ~!.D. James A. Tyndall. ~I.D. Ira J. Packman, M.D. Richard Schreiber. ~!.D.. F.A.CP. L. Lynne Britton. ~!.D. La'\Tence B. Zimmerman. ~!.D. ~Iichae1 .-\.. De~lichele, ~!.D. Carla J. Dente. ~I.D. R. George Azizkhan. D.O. Dean L. Lehman, PA.C IRS# 23-2146427 HARRISVlEW PROFESSIO~.-\.L CE~TER . :08 LOWTHER ST. . PO BOX 107. LE~IOY"'E. P.-\.I7043.0I07' ,717) 774-1366 F.-\.X '717177404232 ~:.~"~7~"::'::;1-J.T;ll_ HELEN L SMITH C/OKAREN BOYER 1459 MT. GRETNA ROAD PLEASE DETACH AND RE- TURN THIS PORTION WITH YOUR PAYMENT. PLACE IN ENVELOPE PROVIDED. WE WILL GLADLY BILL YOUR CREDIT CARD. SEE OTHER SIDE. ELIZABETHTOWN PA 17022 L J .. .-..:~ '" . I 8350 . to . 345.00 . . 55.96 CHARGES OR PAYMENTS MADE AFTER CLOSING DATE WILL APPEAR ON NEXT STATEMENT. ~ o PLEASE CHANGE ADDRESS IF INCORRECT DETACH THIS STUB AND RETURN WITH PAYMENT ATE DR# DESCRIPTION CHARGE ADJUSTMENT RECEIPTS BALANCE 01/23/01 16 NURSING HOME VISIT LEVEL 2 65.00 20.96 .00 44.04 99312 250.00 331.0 02/07/01 16 NURSING HOME VISIT LEVEL 2 65.00 20.96 32.12 11.92 99312 599.0 02/09/01 10 NURSING HOME VISIT LEVEL 2 65.00 20.96 .00 44.04 99312 331.0 707.10 02/15/01 7 NURSING HOME VISIT LEVEL 2 65.00 .00 .00 65.00 99312 250.00 02/19/01 7 NURSING HOME VISIT LEVEL 2 65.00 .00 .00 65.00 99312 250.00 02/20/01 16 NURSING HOME VISIT LEVEL 2 65.00 .00 .00 65.00 99312 786.2 780.6 02/22/01 7 NURSING HOME VISIT LEVEL 1 50.00 .00 .00 50.00 99311 599.0 ** STATEMENT DUE UPON RECEIPT * THANK YOU ** * Insurance Pending CURRENT OVER 30 DAYS TOTAL ACCOUNT BALANCE OVER 60 DAYS OVER 90 DAYS OVER 120 DAYS .00 345.00 CLOSING DATE: 03/07/01 ACCOLNT NUMBER 8350 ,--' :"'Jl '. I .. INSURANCE PENDING 289.04 55.96 MESSIAH VILLAGE lob Mt."Allen Drive P.O. Box 2015 Mechanicsburg, PA 170552015 (717) 697-4666 Resident: HELEN L SMITH B I KAREN BOYER L 1459 MT. GRETNA ROAD L ELlZABETHTOWN, PA 17022 T o Date Description 02/01/2001 Beginning Balance ROOM & BOARD - SEMI-PVT 25 DAYS AT 150.00 PER DAY PAYMENT RECEIVED - THANK YOU! PAYMENT RECEIVED - THANK YOU! PAYMENT RECEIVED - THANK YOU! PAYMENT RECEIVED - THANK YOU! 02/16/2001 02/16/2001 02/22/2001 02/22/2001 Current Past Due 91-120 Days 31-60 Days 61-90 Days 1% FIN 0.00 0.00 STATEMENT Resident Number Date 000039201 02/28/2001 Page Amount Due 1 3,750.00 Discharge Date 02126/2001 CharQes Credits Total 10,024.22 3,750.00 13,774.22 -3,022.00 10,752.22 -2,000.00 8,752.22 -3,002.22 5,750.00 -2,000.00 3,750.00 Over 120 ELEN L SMITH Total Due 3,750.00 Statement End Date: 0212812001 PHAAMERICA ClIIP , , . ~ \J:> t - '11.'1 \p v~.h... \ , For Comments and lor Concerns: 111 RUTHAR DRIVE NEWARK. DE 19711 CUSTOMER NAME SMITH HELEN For Payment: PO Box 6176 Carol Stream, IL 60197-6176 IF YOU HAVE ANY QUESTIONS CONCERNING THIS STATEMENT OR WISH TO PAY WITH YOUR VISA OR MASTERCARD, PLEASE CALL A BILLING REPRESENTATIVE AT 717-795-9606 J> girJ. . STATEMENT DATE ACCT. NO. 02/28/01 5711-01 00151 PHYSICIAN NAME ZIMMERMAN LAWRENCE B - FROM THRU DATE! DOLLAR DATE RXNO. DESCRIPTION QTY. CODE AMOUNT 01/31/01 BALANCE FORWARD 87.39 02/02/01 (Y'OA.Y 0025618.02 NYbIUt"' 100 OOOU/GM P 25.25 02/05/01 COPAY 0030969.00 MACROBID 100MG CAPSU 16.26 02/05/01 ~ COPAY0030974.0n CIPHU 250MG TARI FT -', .25..48 02/05/01 30989 T ROCEPHIN 1 GM VIAL t'o.. ,\.;, h~ RX 5 D ( 273.90)--- - 02/05/01 30990 XYLOCAIl\lF 1 0/\"1 VlAL RX 20 0 8.40 02/06/01 ./ ...... PAYMENT - THANK YOU - 7.83 CR / 02107/01 31139') ROCEPHIN 1GM VIAL RX 10 I D ( 543.75') 02/08/01 27660- DOCUSATE SODIUM 100MG CAP OTC 60 ~ 5'.40 02115101 CO PAY 0031383.00 NOVOLlN R 100U/ML VI 22.97 02/15/01 26482 THERA-M TABLET OTC 30 5.25 02116/01 COPAY 0025618.04 NYSTOP 100 OOOU/GM P 25.25 02/16/01 COPAY 0031457.00 NOVOLlN N 100U/ML VI 22.97 02119/01 COPAY 0031562.00 SULFATRIM SUSPENSION 5.95 02/19/01 31548 HYDROCOL THIN 4X4" DRESSING OTC 10 37.70 02/23/01 COPAY 0031562.01 SULFATRIM SUSPENSION 5.95 02/26/01 PAYMENT - THANK YOU 79.56 CR 02126/01 COPAY 0031793.00 LORAZEPAM 1MG TABLET 19.65 DISCOUNT 82.61 CR AMOUNT DUE $961.52 CV=CONVERT TR=TRANSFER CR=CREDIT RX T=TAXABLE D=DISCOUNTED N=NON-COVERED ('O\...~~\N f'Jl\~~ ~L(6<; ..\ \. - + tA..}-N.,- dJ ~.D c.... N'v'\r...'-'-'. ~ PLEASE RETURN BOTTOM PORTION WITH PAYMENT - Retain top portion for your records 400 PHARMERICA <ll~ PLEASE DO NOT STAPLE CHECK TO STUB OIC 328 AMOUNT 30 60 90+ STMT. ACCOUNT DUE UPON AMOUNT CURRENT DAYS DAYS DAYS DATE NUMBER RECEIPT ENCLOSED $961.52 $15.99 $0.00 $15.99CR 02128/01 5711-01-00151 $961.52 Based on Date of Service CUSTOMER NAME SMITH, HELEN FACILITY NAME MESSIAH VILLAGE TO: HELEN SMITH PO BOX 2015 MECHANICSBURG, PA 17055-2015 111.11\.1111111..1.1..1.1.111.11\'1111.11.1.1'11.11.1.1.1..1,1 PHARMEAICA PO Box 6176 Carol Stream, IL 60197 OIC 328 5711010015100096152000005 J i.- . .. PINNACLE HEALTH HOSPITALS BOX 2353 HARRISBURG, PA 17105 I 82.00 : 03/16/01 AMOUNT PAID ~ I $ I WE ACCEPT VISA,M/C DISCOVER & AMER.EXP ACCOUNT NUMBER AND NAME SEND PAYMENT TO PINNACLE HEALTH HOSP P.O. BOX 2353 HARRISBURG, PA 17105 429376633 SMITH ,HELEN FOR INFORMATION ON ACCOUNT, PLEASE CALL (717) 230-3717 FADM DT: ~DSH DT: , H SB: : oHOSP SVC: s p 020301 *NONE* NOOOO REF 1...111...111....1.1..1.1..11.....111...1...111.1..1.1..1.1..1 429376633 HELEN SMITH 100 MT ALLEN DR MECHANICSBURG PA 17055-6171 u ~DX CD: 780.6 PINNACLE HEALTH HOSPITALS P.O. BOX 2353 HARRISBURG, PA 17105 Account Number: S M 4I T2 H9 3 7 H6 E6 3L E3 N Panent Name: , Service Start: 0 2/0 3/0 1 Service Ene: Statement Date: 0 3/0 2/ 0 1 Last Statement Date: Page No. 1 02/10/01 QUESTIONS? Please Call: (717) 230-3717 Contact: ACCOUNT BALANCE ESTIMATED INSURANCE DUE TOTAL PATIENT CREDITS I ~i_CJ I \\J ,'~,; 82.00 .00 82.00 TRANS DATE DESCRIPTION AMOUNT . 02/03/01 02/03/01 02/03/01 02/03/01 PREVIOUS BALANCE 1 URINE CULTURE 1 GRAM SMEAR 1 SENSITVITY 1 URINALYSIS W/MICRO 87086 87205 87184 81001 .00 25.00 9.00 42.00 6.00 R 0 R PO MB 1 000047019 ACCOUNT BALANCE 82.00 C99 COMMERCIAL OT .00 FC=S PT TYPE=R CUSTOMER SERVICE HOURS MON-WED-FRI 7:00AM TO 4:00PM TUES-THUR 7:00AM TO 6:00PM CALL 717-230-3717 LOCAL OR 1-800-603-6064 OUT OF AREA . I.... . Until your insurance has paid, the PLEASE PAY THIS AMOUNT represents the balance we estimate you owe. Any balance unpaid b our insurance will be due from QU... Thank QU.