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Home My WebLink About09-14-06 Keefer Wood & Allen Rahal, UP TO: :1' !II II 1111111111111111111111 -~~~ ~lbO 0002 3093 2173 014H15206195 0::: ~ $9 . 2SQ <{ I 09/12/2006 Mailed From 17011 First Class Mail .-oJcu 415 Fallowfield Road Suite 301 Camp Hill, PA 17011-4906 CUMBERLAND COUNTY REGISTER:OF IHLLS CUMBERLAND COUNTY COURTHOUSE 1 COURTHOUSE SQUARE CARLISLE PA 17013 c.,~'\:) . 1 C;,y/y ,:;.. ,,'" c,... /Ii' -:>- \ 1 . C\. \>- c.-<l ,\') . J s,y; e-,- -/ c~V) /', . \>-~ /'isr . c\.. cil O~ <bYI ~'\:) . .1s& '" '" t.y /' 00 /lYsr. C'...\>- w C) ~ UJ o a. UJ :J o ~O "'.326 ,...0 - j 'J.> ,h; "'. 4 ::IJ ":(/)7' C) C") 0 rJ 0 .or, be: ~:::::: "$ ~'\~ . J ."if ",0 Yt.y ">.0 IYsr . C\..\>-'-:J ./" ~~ .1It ~~2~ -u " ~ 2~ > .....-;~ -i ~~ ~ ~ Via: Certified Mail Cumberland County Register of Wills Cumberland County Courthouse 1 Courthouse Square Carlisle, P A 17013 CHARLES W. RUBENDALL II ROBERT L. WELDON EUGENE E. PEPINSKY. .JR. .JOHN H. ENOS m GARY E. FRENCH DONNA S. WELDON BRADFORD DORRANCE .JEFFREY S. STOKES ROBERT R. CHURCH STEPHEN L. GROSE R. SCOTT SHEARER ELYSE E. ROGERS CRAIG A. LONG YEAR .JOHN A. FEICHTEL DONALD M. LEWIS m STEPHANIE KLEINFELTER ERIC R. AUGUSTINE TODD F. TRUNTZ CAROL L. VERISH KEEFER WOOD ALLEN & RAHAL, LLP ATTORNEYS AT LAW 415 FALLOWFIELD ROAD, SUITE 301 CAMP HILL, PA 17011-4906 ESTABLISHED IN 1878 OF COUNSEL: HEATH L. ALLEN N. DAVID RAHAL SAMUEL C. HARRY PHONE 717-612-5800 FAX 717-612-5805 EIN No. 23-0716135 www.keeferwood.com HARRISBURG OFFICE: 210 WALNUT STREET HARRISBURG. PA 17101 September 12, 2006 PHONE 717-255-8000 717-612-5808 cswindler@keeferwood.com c-, c::;o i)!j~ _",'.}r-' (j':.T'1 c >>\ ~~:~ ~ c::;) c::r" (/> Cci :X:J ::;::::Jfll ;-nO ',;;")0 (t") ::9) ._ -~ C. fTi r"T1 .0 \:.::> ,~) (J ~i~ C) '-r' Re: Estate of Myrtle Louise Richards File #21-06-0041 Dear SirIMadam: +" """ :::It Enclosed herewith for filing please find the following: ~ o ..... 1. Pennsylvania Inheritance Tax Return (filed in duplicate;) 2. Inventory; 3. Check in the amount of $802.55 in payment of tax due; 4. Check in the amount of $30.00 in payment of your filing fee. Kindly acknowledge receipt of these documents by time-stamping the enclosed copy of this letter and returning it to our office. Thank you. /cds 91423 Enclosure Sincerely yours, ~~~~ ~~ Assistant to Elyse E. Rogers COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE DEPT. 280601 HARRISBURG. PA 17128-0601 . OFFICIAl. USE ONLY REV-1500 EX (6-00) w ~ ~ ii2~ ~~ 051 , REV-1500 INHERITANCE TAX RETURN RESIDENT DECEDENT FILE NUMBER 21 20Q&.. -904L__ YEAR I'UWBER COUNTY CODE I- Z W C W o w c DECEDENTS NAME (LAST, FIRST, AND MIDDLE INITIAL) Richards, Myrtle L. DATE OF DEATH (MM-DD-YEAR) DATE OF BIRTH (MM-DD-YEAR) 12/16/20~ 11/~4/1925 (IF APPLICABLE) SURVIVING SPOUSE'S NAME (LAST, FIRST. AND MIDDLE INITIAL) REGISTER OF WILLS SOC~SECURITYNUMBER SOC~SECURITYNUMBER 200-14-8270 TtIS RETURN MUST BE FILED IN DUPUCATE wrTH llfE [X] 1. Original Retum D 4. Limited Estate 00 6. Decedent Died TestlUe (Attach ccpyofWill) o 9. litigation Proceeds Received D 2. Supplemental Retum D 3. Remainder Retum (dale of death prior 10 12.13-82) D 4a. Future Interest Compromise (dale of death after 12-12-82) D 5. Federal Estate Tax Retum Required D 7. Decedent Maintained a Living Trust (Allach ccpyofTrust) ~ 8, Total Number of Safe Deposit Boxes D 10, Spousal POIIIlrty Credit (date of death l>elwaen 12.31.91 ai'll 1.1-95) D 11. Election to tax under Sec. 9113(A) (AlIach Sch 0) ~ Z W C Z o A. III ~ ~ 8 nus. SECTION MUST. BE COMPLETED. ALL 'CORRESPONDENCE ANO'CONFIDENTIALTAXJNFORMATION SHOULD BE DIRECTED TO: NAME COt.f>LETE MAILING ADDRESS Elyse E. Rogers, Esquire FIRM NAME (If Applicable) Keefer Wood Allen & Rahal, LLP TELEPHONE NUMBER 717-612-5801 415 Fallowfield Road, Suite 301 Camp Hill, PA 17011 z o i= :5 ~ ii: ~ W IX 1. Real Estate (Schedule A) 70,000.00 923,081.57 0.00 0.00 80,628.92 18,534.82 (1 ) f~ ~1ClAL USE cf!j.l . '~:-0 (/) , 'u rrt :T(2 -0 - r,+W I "" fT1 . JJ .::- A 2. Stocks and Bonds (Schedule B) (2) 3. Closely Held Corporation. Partnership or SoIe-Proprietorship (3) 4. Mortgages & Notes Receivable (Schedule D) (4) 5. Cash, Bank Deposits & Misce'laneous Personal Property (Schedule E) (5) 6. Jointly Owned Property (Schedule F) (6) o Separate BOling Requested 7. Inter-Yivos Transfers & Miscellaneous Non-Probate Property (7) (Schedule G or L) ...; (,_:\ (~ .:C)-II " '..r""- j~r3 . =-1 U )::>>- -0 ::It N N ."1 68,397.84 8. Total Gross Auets (total Lines 1-7) (8) 29,122.88 2,574.73 1,160,643.15 9. Funeral Expenses & Administrative Costs (Schedule H) (9) 1 O. Debts of Decedent. Mortgage LiabRities. & Liens (Schedule I) (10) 11. Total Deductions (total Lines 9 & 10) 31,697.61 (11 ) (12) 12. Net Value of Estate (Line 8 minus Line 11) 13. Charitable and Governmental Bequests/See 9113 Trusts for which an election to tax has not been made (Schedule J) 1,128,945.54 0.00 (13) 14, Net Value Subject to Tax (Li"e 12 minus Line 13) SEE INSTRUCTIONS ON REVERSE SIDE FOR APPLICABLE RATES (14) 1 , 128 , 945 . 54 15. Amount of Line 14 taxable at.the spousal tax ~ rate. or transfers under Sec. 9116 (a)(1.2) 8 16, Amount of Line 14 taxable atllnesl rate ::l ~ 17. Amount of Line 14 taxable at sibling rate o U 18. Amount of Line 14 taxable at collateral rate X ~ 19. Tax Due 20. 0 0.00 x .00_ (15) 0.00 50,802.55 0.00 0.00 50,802.55 1,128,945.54 0.00 0.00 x .045-- (16) x .12 (17) x .15 (18) (19) CHECK HERE IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT 2W46451.oo0 >> BE SURE TO ANsWER ALL QUESTIONS ON REVERSE SJDEAND RECHECK MATH < < Decedent's Com lete Address: SlREET ADDRESS 506 Allenview Drive CITY Mechanicsbur STATE PA ZIP 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 ) 50,802.55 0.00 47,500.00 2,500.00 3. Interest/Penalty if applicable D. Interest E. Penalty Total Credits (A + 8 + C) (2) 50,000.00 0.00 0.00 TotallnterestlPenalty (0 + E) (3) 0.00 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 (4) 5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (5) 802.55 A. Enter the interest on the tax due. (5A) 0.00 8. Enter the total of Line 5 + 5A. This is the BALANCE DUE. (58) 802 . 55 PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS Yes D D D D without receiving adequate consideration? . . . . . . . . . . . . . . . . . . . . . . . . . . .. D 3. Did decedert own an "in trust for" or payable upon death bank account or security at his or her death? D 4. Did deceder.t own an Individual Retirement Account, annuity, or other non-probate property which contains a beneficiary designation? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..!Xl 0 IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. 1. 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 No 00 00 (XJ (XJ !Xl !Xl EXlE~/L DATE .'1-/1-0 b , DATE -II-~ lriiU 'lIll- t;.. R.i1llUI \l I In~l1ri For dates of death on or after July 1, 1994 and before January 1, 1995. the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 3% [72 P.S. 13 9916 (a) (1.1)(i)J. For dates of death on or after January 1, 1995, the tax rate impOSed on the net value of transfers to or for the use of the surviving spouse is 0% [72 P.S. 13 9116 (a) (1.1) (ii)J The statute does not exempt a transfer to a surviving spouse from tax, and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only benefiCiary. For dates of death on or after July 1, 2000: The tax rate imposed on the net value of transfers from a deceased child 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.13 9116(a)(1.2}J. 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.13 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 .5. 13 9116(a)(1 .3)]. A sibling is defined, under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. 2W4646 1.000 EXHIBIT A REV-l502EX + (1-97) . SCHEDULE A REAL ESTATE . COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF RiChards, Myrtle L. FILE NUMBER 2~-2006-004l All real property owned solely or as a tenant in common must be reported at fair market value. Fair market value is defined as the price at which property would be exchanged between a willing buyer and a willing seller, neither being compelled to buy or sell, both having reasonable knowledge of the relevant facts. Real property which Is jolntly-owned with right of survivorship must be disclosed on Schedule F. ITEM NUMBER 1. DESCRIPTION VALUE AT DATE OF DEATH 70,000.00 506 Allenview Drive, Mechanicsburg, PA 17055 (Survivorship interest disclaimed by Estate of Wayne E. Richards) Total value per appraisal = $140,000 2W4695 2.000 TOTAL (Also enter on line 1, Recapitulation) (If more space Is needed, insert additional sheets of the same size) $ 70,000.00 . . Mark E. Hilbert & Associates APPRAISAL OF Summery Appraisal LOCATED AT: 506 A1lenview Drive Mechanicsburg, PA 17055 FOR: Elyse E. Rogers Esq. 415 Fallowlield Road. Suite 301 Camp Hill, PA 17011 BORROWER: Myrtle Richards AS OF: December 16, 2005 BY: Mark E. Hilbert MARK E. HILBERT & ASSOCIATES 3607 Rosemount Avenue, PA 17011, Phone 717-901-8224, Fax 717-901-4n9 06-018 Fie No. 06-018 The purpoae of thia summary appraisal reporlla to provide the lender/client wllh an accurate. and adequetely supported, opinion of the market value of the aubjed property. Ad<<ess 506 A1lenvlew Drive CItv Mechanicsburo State P A Zio Code 17055 !lorrower Mvrtle Richards Owner of Public Record Estste Countv Cumberland L Attached Alnssa's PlIl:eIlI 405 Tax Year 05-06 R.E. Texes $ 1 158.00 ~hboIhood Name A1lenview Mea Reference 42-28-2423 Census Tract 116.8 Ilkl:uln I X I Owner IT anent I I V8ClI1t Soeda' Assessments $ I Ipuo HOAS I ) per VB I I per monlh Is Aooraised Ix I Fee SimoIe I ILeasehokl I IOthw fdeealbe) ...... -' TVIlIl I IPlrchase Transaction I I Refinance Tranuctlon r lOthw Idesaibal Estate LenderA:llent Elyse E. Roaers Esa. Ad<<ess 415 Fallowtield Raad Camo Hill PA.17011 lathe curenlty oIfered fllr sate at has k been ofIered fllr sate in the twelve months Drier to the etIecllve date of thIa _aIsaI? r I Yes I X I No Report data sot.rce(s) used, otIemg price(s), and date(s). N/A I 0 did U did not analyze the cmtract fllr sale fer the subject purchase lransaclion. Explain the results of the analysis of the conlract fllr sale or why the analysis was not perfllrmed. N/A Conlract FIice $ Estate Dale of Conlract Is the property saller the owner of IIUiIIe raoord? jYes I INo Dala Scnrcels) is there any llnancIllessislalce (loan charges, sale concessloos. gilt or downpeyment assislalce. etc.) to be paid by any party on behaWof the boITo_? UYes UNo · WYes, report~iotal dollar amount and desaibe thakems to be paid, S N/A N/A ,~=~,=\~ ,.. r~.~lll~ of I'- na~hoocl'" not .1..1 fact..... .' '!Wi . ,. :t.li'f.'~- _~c- , "::~:;);~,;; ;,'''''. ";'-., :'ii.i;"",,~,,,'.k'E '..,.' . ." - Location lkban r X Sutuban RtnI I Praooriv Values I X Ilncraaslm I J StsbIa I I Declinno PRICE AGE Qne.Unk 100 % BulIt-Uo Over 75% r X 25-75% lnler 25" [ J ShorIaae r X IIn Balance r lOver Supply $(000) Ivrs\ 2-4 Unit " . ReDId I X I SlabIe I Markalna line [ I Under 3 mths Ix 1 J.6 mlhs I lOver 6 mlhs 100 Low 15 MuIti.FamiJy : Growth Slow " Neighborhood Boundaries The Development of A1lenwood. 150 Hiah 25 CommercIal % ~ 135 Pred. 20 other " Neighborhood Oeaaiplion Subiect Drooertv is located alona Allenvlew in the develooment of A1lenview In UDDer Allen Townshio. Cumberland Countv. Pennsvlvania. Maricet Condltlons{1ncIud1ng support fllr the above conclusloos) With the imorovina markets the seller are not reauired to offer sales or financina concesslons.Financina Is readlv available from a varletv of sorces. Dimensions 24 x 48 hea 0.026 Acres. Shaoe Rectanaular View Residential . Soacific Zonino CIesstlication Residential . lion Slnole Familv nee IX ILIIlIlII I ILIIlIlII Nonconformlno IGrandlathered Use) I INo Zonino I Illeoalldesalbel is the highest and best use of the subject property IS ImprOYlld (at as proposed per plans and apeclftcations) the preaent use? lXJ Yea UNo II No, desaibe. Ulllllle. Public Ottw-(_Ibel Public OIhor 1.......lbe) OII-.Ile Improvements-Type Public PriV8t. Electricfty Ixl r I 200 AMP Water [Xl I J SIr..t Macadam Ixl r I Gas r J I I None Sanllarv Sewer lxJ I Aky Macadam Ixl r J FEMA Soec:IaI Flood Hazn hea r I Yes I X I No FEMA Flood Zone " C " FEMA MaD II 421016 FEMA MaD Date 09-30-77 h. the utHIties and oll-ak. imIlrovements lYDic8l fer !he market area? Ix I Yes I INo W No desaibe. he lh<<e any adverse site condkloos Dr external fadDrs (easements, enaoachments, envi'onmental condIlIons, land uses. etc.)? U Yes lXJ No "Yes, desaibe. N/A ;k~::'\1~2!~~""" :,.",.",~~ ~1~~~~~:~~t1.~~; ._" ',' '" '.""~~~J ""_. ..,,- ,~''''.~F .",.", .. UnlIs r X 10le r lOne wIlh Accessarv Unk I Conaele Slab I I Crawl So8ce FoundaliDn WaIa Block I Averaae Floors CDt-C/T -Good , of StorIes Two xl Full Basement r 1 Partial Basement Exterior Wafts Brick /Averaae Walls Drvwall I Good TVDIl I IDeL IxlAl!. I I S-DatlEnd UnIt Basement hea 680 10. II. Roof Slriace Comoosltion TrlmlFinish Wood / Avg [XJ Exislina r l PrODOSed I I Under Cansl Basement FlIliah Unfinished % Gutters & 00Mm>0uts Aluminum/Aversa Bath Floor CeramicTileI/ Av Deaian ISlYle) T ownhse xlOutslde Enlrvl&lt I 1 SuIl1ll Pt.nn W1ndowTYIl8 Obi. Huna/ Averaa Bath Walnscol Flberolass I Ava Year Bull! 1986 Evfdence of I IlnIeatation Storm SaahllnsUated Yes Car Stor808 I I None ElI'ective ADe IYrsl 6-8 l nan.."",;;,~ .. r 1 SaWemant Screens Yes X I Driveway II of Cars 1 AIIlc None Heatm f IFWA II IHWBB II I Radiant AmanIlIes WoodStovela) II Drivewey Slriace Macadam I Droll Sla~ Sta~s I Other I Fuel XlF~aoIace(s)II 1 Fence xT Garaoe II of Cars 1 J Floor X SctJIIIe Cooling r -1 Cannl A; Condkianlno I Palbtleck Porch II I Carport II of Cars IFlnIshed Heated I I 1 individual lrlOthw II IPool x other Sun Rm. II IAlt. I I Del Ix I BuIlt-in I X I Retioerator Ix IR_KlInon rxlOlshwasher IXIOlePOlII IXIM!aowave IXIW8IherlOrwr I 1000..Cdesa1be) Flrished area above orad. contains: 6 Rooms 3 Bedrooms 2.5 Balh(a) 1 360 Sou.e. Feet of Gross UvIno hea Above Grade hidltional feallres (special energy etlIcIent llams. etc.). Heated Sun Room. . Dasaibe the condition of the property (including needed repairs, deterioration. renovations, remodeling. etc.). No malor reoairs noted. No evidence oa functional or external obsolescence Subiect orooertv is in oood condition. Ne there .ny phyalca/ detldancles Dr 8dverse condltlona that affect the livability. soundness, Dr slructurallnt'9ItY of the prDpOf\y7 UYes [glNo If Yes, desalbe. Does the property generally confllrm to the neighborhood (functional utility, style, condltion. use, oonsIruclion, etc.)? ~Yes UNo W No, desaibe. Fr.... u.c Form 10 w.rch 2005 ~UllngACI.......IICIO.234.I121__,......._ .we..... Fcml1QCW w.c:h 2OD5 · Uniform Residential Appraisal R.! 06-018 File No. 06-018 P.1af6 tOOlll_O!I033l105 There ..e ~...eble prope1les ClI!:."uy otIwed fer .. In the .ubiecl neighborhood ranging In Price hm $ to$ There ..e COIlIlII'8bIe ..... In the sub wtlhln the__ twelve months rlllllinllln I8Ie price tom $ ID$ FEATURE I SUBJECT COMPARABLE SALE NO.1 COMPARABLE SALE NO. 2 COMPARABLE SIII..E NO. 3 506 Allenview Drive 758 Allenvlew Drive 906 Allenview Drolve 918 Allenbview Drive Addrees Mechanlcsbll[g,PA Mechanicsburg,PA Mechanicsburg,PA MechanlcsbulII,PA PrlLxtmlty to SUblect l~f~~~~J~1ltt~~t~L~ 2 Blocks 5 Blocks 5 Blocks ~~.~ ,'~~~~=~ ,;,;',10 135000 $ 99.26 SQ. ft. ,....'.X C.P.M.L.fTax Report I Acent VAlUEAOJUSTMENTS DESCRIPTION DESCRIPTION <(.)l~ DESCRIPTION <(.ll~ DESCRIPTION <(.)l~ SeIe or FInancIng DaM 51 Dam 37 DaM 137 ConceseIons Conventional Sales Agreemen Sales Agreement Dele of S8IeIrme:f1i 07-26-05 07-21-05 10-13-05 . LocaIion Suburban Suburban Suburban Suburban Le8S8holdIFeeSilYlDle Fee Simple Fee Simple Fee Simple Fee Simple Site 0.026 Acres. 0.026 Acres. 0.026 Acres. 0.026 Acres. VIew Residential Residential Residential Residential Townhse IGood Townhse IGood T ownhse IGood Townhse IGood ~Ily of Conalruction Brick Brick I Alumin Brick Brick ActuIII'Ge 20+1- Years 22 Years +1- 26 Years +1- 26 Years +1- CondItion Good Good Average +4 500 Good Above Grede TaIII ~il4rm!J .... TaIII I-..J ..... TaIIIllIlhI!J - TaIIIJ_J - Room Count 6 13 I 2.5 6j 31 2.5 6J 3 I 2.5 6 I 3 I 2.5 Qoss IM1g hea 1 360 sq. tl. 1 360sq. tl. 1 360 sq. tl. 1,360 SQ. ft. Basement & Finished Full Full Full Full Rlloms Below Grade Unfinished Family Rm -2 000 Unfinished Unfinished FIn:lionaI Utility Average Average Average Average Hot Air-ClAir Hot AIr-ClAIr Hot Air-ClAir Hot Air-ClAir ~ Energy Efllcient kerns Average Average Averaae Averaoe G..1IIIIIiCarDort 1 Car Garage Off SI. Parking +2 500 Off St. Parkll}fl +Z,SOO Off St. Parking +2,500 PorchlPetiolDeck None Patio -1 000 None None . Fi~lace 1 FIP Fireplace Fireplace FITEl!llace . Sun Room Sun Room None +12000 Screened Porch +10000 Screened Porch +10000 · Net Adjustment (T olaf) r '<i\!':~ ~. '-ltY." .~ LXJ. LJ- 1$ 11500 IX]. J. 1$ 17000 IXI. I I- 1$ 12500 .' Adjusted Sale PrIce NelAdj. 8.2~ I NelAd). 14.4~1 NelAd]. 9.3~1. of Compa-ebles G-oIllM 12.6% $ 150 900 Qoss Idt 14.4% $ 135,000 Qoss MI 9.3% $ 147500 I lKJ did U did not research the sllle or lransfer history of the subject property and comparable sales. If not, explain -My research L J did ~ X did not reveal eny Jlrior sales or lransfers of the s lor the three Years Jlrior to the e<<ectlve dele of this 8Iloraisal. Data SOIJ"ce(s) Mvresearch LxJdid L did not rewal allUJrior sales or lransfers of the ~abIe sales lor the ve. orIor to the date of sale of the comparable sale. Deta SOII"ce(s) Tax Report fleport the resulls of the research and analysis of the Jlrior sale or lransfer h1~tory of the s and ~ l!Ifable sales ~addlllonalprlor ..Ies on page 3). ITEM SUBJECT COMPARABLE SALE NO.1 COMPARABLE SALE NO.2 COMPARABLE SALE NO. 3 Dele of PrIor SaleJTransIer 12-22-2004 10-18-2003 11-1-1982 11-07-1980 Price of PrIor SaleJTransfer $1.00 116,500 59 000 53,200 Deta SoIwce(s) Tax Report Tax Report Tax Report Tax ReDort EIfective Dete of Data SoIrce(s) 02-14-06 02-14-06 02-14-06 02-14-06 Analysis of prior sale or transfer history of the subject property and comp.able sales CO"1Q.# 2 was sold on a sales agreement (Normaly less than F.M.M.) Summary of Sales Comparison Approach. Sales com..Qarison is a good indicator of fair market value. indicated Value bv Sales S 140 000 IndI.- v..... by: SlI.. Com_l.on "-oech S 140 000 Cost "-....h IIf dllvel_dl S 0 h_ "-oechjlf _'_d) S . . ThIs appraisal Is made lKJ "a. Is; U subject to completion per plans end .pedlIcalIons on the basis of a hypothetical condlllon that the Improyements haye been completed. Dsmject to the following repan or ekerallons on the basis of a hypothetical condition that the rapHs or alterations have been ~Ieted, or D.ubject to the following requi-ed . Inspection based on the extreordinsry asstmplion thelthe condlllon or deliclency does nol requre .ker.lion or repair: B...d on. comple.. vlsuallnap.dlon of the Interior and .xt.rlor _.a. of the subject property, defined .cop. of work, statement of ...umptlons and limiting conditions, and appral..,.. certification, my (ow) opinion of the mark.t value. .. defined, ofthe r..' property that I. the subject of this raport I. S 140.000 ..of December 16 2005 . which 1.lhe - of inspectlon.nd the .ffectly. _ of lhi. _.1.... "'-...._IO_21X15 ProcIIalI....1lCI.......lOCInUll1 www.....aIlII F........ Fornt lW4 Mm:h 2005 . . Uniform Residential Appraisal Report 06-018 FUe No. 06-018 P.2ofB 101M_OS 0330D5 Mark E. Hilbert and Assoc. · Uniform Residential Appraisal Rep!! 06-018 File No. 06-018 : .~.f;tiii":~'~.tf:.""'" ~[t .,--." '''''~ . ".~j , > Provide adeauate infmnatlon for the lencIerldienllo rllllcate the below COIl leuH and caIcljellons. Support for the opinion of site value (slInIna'y of compareble land seJes or other methods fi:lr estime1lng sMe value) . n ~;!j:l~ ESTIMATED I I REPRODUCTION OR . Sotree of COIl data Q,a1lly ralina tom cosl.ervice Conmen1ll on Cosl I I REfUCEMOO COST NEW OPlNIONOFSlTEVAlUE.... .......... .......................... = $ DweIIno 1360 Sa. Fl." $ ............= $ Bsmt: 680 5a.Ft. Sa. Fl."$ ............ $ o o BJective dete of cost data 011 livlno erea calaJlallons, deoraclation, etc.\ Sa. Fl. C $ ............ = $ ............ = $ o Total Esllmale of Cosl-New less Phvslcal I FLIlClionaI I External Denredation I I = $ ( Deoreclatad CosIOflmlrovements................................ = $ "As-is'Value of SIte imDrovemants. . . . . .. .... .. .. .. .. .. . .. .. .. .... = $ o o ~.;tw~iiljtlln~~~~; LIe(tM) ~~~~ .. . Estimated MonthIv Merkel Rent $ X Gross Rent MuItloIIer Summary of Income Approach (Including support fi:lr market rent and GRM) -6 Yeers INDICATED VAlUE BY COST APPROACH...................... ;~~~ii'iy..:'j;~1H"i.;c,: = $ Indicated Value by Income AnIlmach = $ o ';::>~),f:~:(>i :;:~~;~:t;-)- .""" .P'.4!f;!:c!ij.'Ji1i't;~!.r~"". N -. i~: ..... >..i';'L'c,:: Is the develooer.wlcler In control of the HoI'fl8OWl18nl' AssocIation (HOA\? I 1 YH I X I No UnM lype(.) L J Detached [ JAtlached Provide the IolIowino Informaflon fi:lr PUOs ONLY n the develoooributlder Is In control of the HOA and the . Is an ettached dweIIino unit. ~ name of oroiect Allenview T 0181 number of PhHH 6 T 0181 number of lIllls 68 T olal number of unMs sold 68 . Tolalnumberofunltsrented 10 Total number ofunMs lor sale None DalaSOlrce(.\ Owner Was the llI'oiect aeated by the conversion of an exlstlna bulldin!l(s\lnlo a PUD? [ I Yes Ix No WYll$, date of conversion. ~ Does the orol8cl contain anv mulIklW'8lllna unMs? l JYH Ix INo Data slllI'ClI'sl Owner Ive the lIllls, common elements, and reaeallon facIIIlles complete? lKJYll$ UNo "No, desa1be the slatus of completion. he the common elements leased to or by the Homeowners' AssocIation? UYes lKJNo WYes. desaibe the renlallerms and options. Desatbe almmon elements and reaealiona/lacllitill$. Pool,Park,Tennls Court, Basketball, And Green Area -....Fam711_2005 Produced~N:.l""'.IDO.2)U:rZ7_~ p. hfl Fanm., Mall Fmn 1004 MIrch 2OD5 1004_115 OJ3D05 . . Uniform Residential Appraisal Report 06-018 File No. 06-018 This report fonn is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit; including a unit in a planned unit development (PUD). This report fonn is not designed to report an appraisal of a manufactured home or a unit in a condominium or COOperative project. This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended use, intended user, definition of market value, or assumptions and limiting conditions are not pennitted. The appraiser may expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal assignment. Modifications or deletions to the certifications are also not pennltted. However, additional certifications that do not conslltute material alterations to this appraisal report, such as those required by law or those related to the appraiser's continuing education or membership in an appraisal organization, are pennitled. SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the reporting requirements of this appraisal report form, including the following definition of market value, statement of assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) partonn a complete visual Inspection of the interior and exter/or areas of the subject property, (2) inspect the neighborhood, (3) inspect each of the comparable saies from at least the-street, (4) research, verify, and analyze data from reliable public and/or private sources, and (5) report his or her analysis, opinions, and conclusions in this appraisal report. INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the subject of this appraisal for a mortgage finance transaction. INTENDED USER: The intended user of this appraisal report is the lender/client. DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knOwledgeably and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well infonned or well advised, and each acting In what he or she considers his or her own best Interest; (3) a reasonable time is allOWed for exposure in the open market; (4) payment is made in tenns of cash in U. S. dollars or In tenns of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions' granted by anyone associated with the sale. 'Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for those costs which are nonnally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be ' . made to the comparable property by comparisons to financing terms offered by a third party Institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the appraiser's judgment. STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this report is subject to the following assumptions and limiting conditions: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraiSed or the title to it, except for information that he or she became aware of during the research involved in perfonning this appraisal. The appraiser assumes that the title is good and marketable and will not render any opinions about the title. 2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements. The sketch is Included only to assist the reader in visualizing the property and understanding the appraiser's determination of Its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this detennlnation. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand, or as otherwise required by law. 5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or she became aware of during the research involved in perfonning this appraisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered as an environmental assessment of the property. 6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property will be perfonned In a profeSSional manner. Freddie M.:I Ftnn 'i'O ~ 20DS PfOGucecI ~1rV AClaoltware. lJOO.2.U.1127 www.aciweb.com P'II'4016 F Intie .... Fam f(lOll MIrdl zm:: 1004_05 033005 . . Uniform Residential Appraisal Report 06-018 File No. 06-018 APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that: 1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal report. 2. I performed a complete visual inspection of the interior and exterior areas of the subject property. I reported the condition of the improvements in factual, specific terms. I identified and reported the physical deficiencies that could affect the livability, soundness, or structural integrity of the property. 3. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the lime this appraisal report was prepared. 4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach for this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop them, unless otherwise indicateqjn this report. 5. I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal, unless otherwise Indicated in this report. 6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior to the date of sale of the comparable sale, unless otherwise indicated In this report. 7. I selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property. 8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been built or will be built on the land. 9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject property and the comparable sales. 10. I verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest in the sale or financing of the subject property. 11. I have knowledge and experience in appraising this type of property in this market area. 12. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing services, tax assessment records, public land records and other such data sources for the area in which the property is located. 13. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources that f believe to be true and correct. 14. I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject property, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the subject property or that I became aware of during the research involved in performing this appraisal. I have considered these adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and marketability of the subject property . 15. I have not knowingly withheld any significant Information from this appraisal report and, to the best of my knowledge, all statements and information in this appraisal report are true and correct. 16. I stated in this appraisal report my own personal, unbiased, and prOfessional analysis, opinions, and conclusions, which are subject only to the assumptions and limiting conditions In this appraisal report. 17. I have no present or prospective Interest in the property that is the subject of this report, and I have no present or prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or completely, my analysis and/or opinion of market value in this appraisal report on the race, color, religion, sex, age, marital status, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law. 18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting) a predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or Occurrence of a specific subsequent event (such as approval of a pending mortgage loan application). 19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I relied on significant real property appraisal assistance from any individual or individuals In the performance of this appraisal or the preparation of this appraisal report, I have named such Indivldual(s) and disclosed the specific tasks performed in this appraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a change to any item!n this appraisal report; therefore. any change made to this appraisal Is unauthorized and I will take no responsibility for it. 20. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will recelve this appraisal report. Fr_....Fam10 Mln:h2lll6 PnMU:tcI UItrW ACI ~. 800.234.1727 _.Ktweb.com P0g05af6 F.... Mot Fam 1004 Mad12l105 1 O(W _ 05 033005 . . Uniform Residential Appraisal Report 06-018 File No. 06-018 21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to obtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisal report may be disclosed or distributed to any other party (including, but not limited to, the publiC through advertising, public relations, news, sales, or other media). 22. I am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that pertain to disclosure or distribution by me. 23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, government sponsored enterprises, and other secondary market participants may rely on this appraisal report as part of any mortgage finance transaction that involves anyone or more of these parties. 24. If this' appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. 25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability andlor criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar state laws. SUPERVISORY APPRAISER'S CERTIACATION: The Supervisory Appraiser certifies and agrees that: 1. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 2. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 3. The appraiser identified in this appraisal report is either a sub-contractor or an employee of the supervisory appraiser (or the appraisal firm), is qualified to perform this appraisal, and Is acceptable to perform this appraisal under the applicable state law. 4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 5. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. APPRAISER Signature ?~k&(~ Name Mark E. Hilbert ;' Company Name Mark E. Hilbert And Associates Company Address 3607 Rosemont Avenue. Suite 405 Camp Hill, PA 17011 Telephone Number 717-901-8224 Email Addressmhilbertliilpa.net Date of Signature and Report February 25, 2006 Effective Date of Appraisal December 16. 2005 State Certification # RL-000388-L or State License # RB029755A or Other (describe) State # State PA Expiration Dale of Certification or License June 30, 2007 SUPERVISORY APPRAISER (ONLY IF REQUIRED) Signature Name Company Name Company Address Telephone Number Email Address Date of Signature State Certification # or State License # State Expiration Date of Certification or License ADDRESS OF PROPERTY APPRAISED 506 Allenview Drive MechanicsburQ, PA 17055 SUBJECT PROPERTY B Did not inspect subject property Did inspect exterior of subject property from street Date of Inspection o Old inspect Interior and exterior of subject property Date of Inspection APPRAISED VALUE OF SUBJECT PROPERTY $ 140.000 LENDER/CLIENT Name Company Name Elvse E. Roaers ESQ. Company Address 415 Fallowfield Road Camp Hill. PA. 17011 Email Address COMPARABLE SALES 8 Old not inspect exterior of comparable sales from street Old Inspect exterior of comparable sales from street Date of Inspection F_1Ioc Form 70 Mordl2l105 _"ivAC1_.1OO.23U727_.-.com PIIgt 6 cll6 Mark E. Hilbert and Assoc. F.... MIl Form 1001_ 2IlO5 1OCW_OS 033005 Borrower: MvrUe Richards Property Address: 506 Allenview Drive City: Mechanicsbul'!l Lender: Elyse E. Rogers Esq. ADDENDUM . Slate: PA Ale No.: 06-018 Case No.: 06-018 Zip: 17055 Comments on Sales Comparison The property's heating, plumbing and electrical systems appear to be functioning properly to the best of the appraiser's knowledge and expertise. I am unable to verify the insulation OR" factor. The presence of UREA-FORMALDEHYDE FOAM INSULATION could not be determined. If UFFI is present, the appraised market value may be adversely affected or voided. Any information about insulation stated on the appraisal was provided by inspection, owner or agent and is assumed to be accurate. The appraiser in not aware of the existence of Radon Gas and/or Radon Daughters and does not have the necessary equipment to test for presence of same. If a Mure test shows unacceptable levels of Radon present, the appraised market value may be adversely effected or voided. Please be advised that in the market data analysis grid, bathrooms are adjusted for on the first line and gross living area/room count are adjusted together as a single adjustment on the second line. All comparable sales are seWed to the best of the appraiser's knowledge. Verification of settlement is with County and/or Realtor. " Addendum Page 1 or 1 SUBJECT PROPERTY PHOTO ADDENDUM F' . 06-018 Case No.: 06-018 State: PA Zip: 17055 FRONT VIEW OF SUBJECT PROPERTY Appraised Date: December 16, 2005 Appraised Value: $ 140,000 REAR VIEW OF SUBJECT PROPERTY STREET SCENE COMPARABLE PROPERTY PHOTO ADDENDUM Fi Ca Slate: PA ,... ..... ._,-,>-_.. _..:~~~~ ~ I ...... 1"1 lG ': ,'il 0.: - ,., - .,' m: - --~ COMPARABLE SALE .1 758 Allenview Drive Mechanicsburg,PA Sale Date: 07-28-05 Sale Price: $ 139,400 COMPARABLE SALE.2 906 Allenview Droive Mechanicsburg,PA Sale Date: 07-21-05 Sale Price: $ 118,000 COMPARABLE SALE lJ3 916 Allenbview Drive Mechanicsburg,PA Sale Date: 10-13-05 Sale Price: $ 135,000 Borrower/Client Property Address City Lender County State BUILDING SKETCH 5 b rlJ t~oc.lY1 .Of,J. 1 -I i/1N&. -" R (p'H 3 <II l~\/~h~J rhfJ V' ~H ~(, iicJ/ll~ {cft1- tL{_f " ~~J( [3 p,f". A b g~1f t i> ~ f3(Apolv .:Jet rv /[(DOI'f File# Zip Code -. ( /035 . . A /JJ ~; 78"59"15' H] l: Joins Map 19 f 76'5nlr {~ ~~ '" .IJ~"tOWfj 'i,~~s.,~L,rE '\ I~ LJ ":.1 J 7~100" " /lll,,' ,v, ~ It\ 76'S,.15' .....!'~;;;~~~ :::"~!:F =-=' :~:~~~:-;> .' ',- \,.1" /"" Ii Ii ~ GIlD 2.220,000" 76'''''5" To R..... fi -----1--- If/:' d.;' e -3D' r ~ i#, \.'< I.; o R: f 76-S7W 1 CALt!XANDRIA O""'TIN J R{ See ADC's .YORK COUNTY, PA STREET MAp. For Conlinuotion ~'M EXHIBIT B . . Form 706(Rev. 8-2005) Estate of: Mvrtle L. Richards Item Description inCIUdj~ face amount of bonds or Unit A1temate A1temate value Value at date of death number number of shares an par value for identification. value valuation date Give CUSIP number. If closely held entit' give EIN. CUSIP number See schedule attached -- .- Total from continuation schedules (or additional sheets) attached to this schedule 923,081.57 TOTAL (Also enter on Part 5, Recapitulation, page 3, at item 2.) 923,081.57 SCHEDULE B - Stocks and Bonds (For jointly owned property that must be disclosed on Schedule E, see the instructions for Schedule E.) 200-14-8270 (If more space is needed, attach the continuation schedule from the end of this package or additional sheets of the same size.) (The instructions to Schedule 8 are in the separate instructions.) Schedule B _ Page 12 VEA 706-'2 (9/24/05) . Estate of: Myrtle L. Richards Schedule B - Stocks and Bonds Item number . Description Unit value Alternate CUSIP valuation date PPL 30.17 69351T106 Dividend on above stock declared prior to decedent's death 2 Emerson Elec Co (Fulton Fin) 75.825 291011104 3 General Electric Co (Fulton Fin) 36.14 369604103 4 L-3 Communications Hldgs Inc. (Fulton Fin) 72.845 502424104 5 Verizon Communications (Fulton Fin) 30.49 92343V104 6 Disney Walt Co (Fulton Fin) 24.72504 254687106 Dividend on above stock declared prior to decedent's death 7 Home Depot Inc. (Fulton Fin) 42.59 437076102 8 Lowes Cos Inc (Fulton Fin) 69.305 548661107 9 Time Warner Inc. (Fulton Fin) 18.085 10 Coca Cola Co (Fulton Fin) 41 .335067 191216100 11 Colgate Palmolive Co (Fulton Fin) 56.51 194162103 12 Pepsico Inc (Fulton Fin) 60 713448108 Dividend on above stock declared prior to decedent's death 13 BP PLC (Fulton Fin) 66.06 055622104 14 Chevron Corp (Fulton Fin) 58.32 166764100 TOTAL. (Carry forward to main schedule) . . . . . . Page 2 200-14-8270 Alternate value Value at date of death 158,935.56 1,317.00 4,549.50 5,421.00 2,913.80 1,829.40 3,090.63 J; ^ 33.75 4,259.00 3,465.25 4,521.25 3,100.13 4,520.80 5,100.00 22.10 4,954.50 4,374.00 212,407.67 . Estate of: Myrtle L. Richards Schedule B - Stocks and Bonds Item number Description 15 ConocoPhillips (Fulton Fin) 16 Schlumberger Ltd (Fulton Fin) Bividend on above stock declared prior to decedent's death 17 BB&T Corp (Fulton Fin) 18 Citigroup Inc (Fulton Fin) 19 First Horizon Natl Corp Dividend on above stock declared prior to decedent's death 20 Greater Bay Bancorp (Fulton Fin) 21 Astoria Finl Corp (Fulton Fin) 22 Bank of America Corporation (Fulton Fin) Dividend on above stock declared prior to decedent's death 23 JP Morgan Chase & Co (Fulton Fin) 24 New York Cmnty Bancorp Inc. (Fulton Fin) 25 North Fork Bancorporation NY (Fulton Fin) 26 PNC Financial Services Group Inc. (Fulton Fin) 27 Provident Bankshares Corp (Fulton Fin) TOTAL. (Carry forward to main schedule) . . . . . . . Unit value Alternate CUSIP valuation date 58.02 20825C104 100.75 806857108 43.315 054937107 49.38 172967101 39.57 320517105 26.91 391648102 29.34 391648102 47.045 060505104 39.76 46625H100 17.14504 649445103 27.705029 659424105 64.115 693475105 35.21 743859100 Alternate value Page 3 200-14-8270 Value at date of death 2,901 .00 5,037.50 10.50 4,331.50 6,172.50 3,957.00 45.00 , . 2,691.00 4,401.00 6,115.85 65.00 5,964.00 2,143.13 4,848.38 3,205.75 3,521.00 55,410.11 . . Estate of: Myrtle L. Richards Schedule B - Stocks and Bonds Item Unit value Alternate number Description CUSIP valuation date 28 Sovereign Bancorp Inc. (Fulton Fin) 21.645029 845905108 29 US Bancorp Del (Fulton Fin) 30.905 929903102 30 Wachovia Corp 2nd~New (Fulton Fin) 53.955 929903102 31 Webster Finl Corp (Fulton Fin) 47.885 947890109 32 Wells Fargo & Co New (Fulton Fin) 64.095059 949746101 33 Washington Mutual Inc. (Fulton Fin) 43.935 939322103 34 Abbott Labs (Fulton Fin) 39.865 002824100 35 Amgen Inc. (Fulton Fin) 79.35 031162100 36 Glaxosmithkline PLC (Fulton Fin) 51.765111 37733W105 Dividend on above stock declared prior to decedent's death 37 Lilly Eli & Co (Fulton Fin) 56.75 532457108 38 Pfizer (Fulton Fin) 22.735 717081103 39 Teva Pharmaceuticallnds Ltd (Fulton Fin) 45.43 881624209 40 Wyeth (Fulton Fin) 44.74 983024100 41 Medtronic Inc. (Fulton Fin) 57.385 585055106 42 Genentech Inc. (Fulton Fin) 93.285 368710406 TOTAL. (Carry forward to main schedule) . . . . . . Alternate value Page 4 200-14-8270 Value at date of death 3,787.88 6,181.00 5,395.50 3,830.80 5,448.08 4,393.50 1,993.25 4,761.00 2,329.43 15.98 4,256.25 5,683.75 4,543.00 4,026.60 4,303.87 7,462.80 68,412.69 . Estate of: Myrtle L. Richards Schedule B - Stocks and Bonds Item number Description 43 Corning Inc. (Fulton Fin) 44 Motorola Inc (Fulton Fin) Dividend on above stock declared prior to decedent's death 45 Nokia Corp (Fulton Fin) 46 Qualcomm Inc. (Fulton Fin) Dividend on above stock declared prior to decedent's death 47 Microsoft Corp (Fulton Fin) 48 Cisco Sys Inc. (Fulton Fin) 49 Intel Corp (Fulton Fin) 50 Merrill Lynch Pfd Cap Tr II (Wachovia Securities Account) 51 Dryden Muni-Florida Series (Wachovia Securities Account) 52 Vanguard Fixed Income Secs Fund 53 Vanguard/Wellington Fund Inc. 54 Nuveen PA Investment Quality Municipal Fund Dividend on above stock declared prior to decedent's death 55 Oppenheimer Balanced A (Fulton Financial _ Primevest) . 56 Federal Home Ln Bks matures 08/18/06 (Fulton Fin.) TOTAL. (Carry forward to main schedule) . . . . . . . Unit value Alternate CUSIP valuation date 21.14 219350105 22.61 620076109 18.56 654902204 45.52 747525103 26.945 594918104 17.64 17275R102 26.53 458140100 26.5 59021 C203 10.04 262468101 9.76 922031855 31.750002 921935102 13.46 13.54 68380A104 0.992344 3133XAJ81 Alternate value Page 5 200-14-8270 Value at date of death 4,228.00 8,478.75 15.00 6,960.00 5,917.60 11.70 4,041.75 , . 4,410.00 6,632.50 26,500.00 61,364.12 47,563.35 54,366.45 39,235.90 477.48 122,381.22 24,808.60 417,392.42 . Estate of: Myrtle L. Richards Schedule B - Stocks and Bonds . Item Unit value Alternate Alternate number Description CUSIP valuation date value Interest on above bond accrued as of decedent's death 57 Federal Home Ln Bks matures 01/26/07 (Fulton 0.988438 Fin) 3133XAHU4 Interest on above bond accrued as of decedent's death 58 Federal Home Ln Bks matures 02/25/08 (Fulton 0.984844 Fin) 3133XAP43 Interest on above bond accrued as of decedent's death 59 Federal Home Ln Bks matures 03/24/2010 (Fulton 0.986875 Fin) 3133XA Y92 Interest on above bond accrued as of decedent's death 60 US Savings Bond, Series EE L40883224-EE 25 Interest on above bond accrued as of decedent's death 61 US Savings Bonds Series EE owned jointly with 92.647059 decedent's son, Wayne E. Richards Survivorship interest in these bonds is being disclaimed 238 total bonds worth $38,448.80 Interest on above bonds accrued as of decedent's death TOTAL. (Carry forward to main schedule) . . . . . . Page 6 200-14-8270 Value at date of death 276.56 49,421.90 692.22 49,242.20 601.25 49,343.75 533.00 25.00 98.40 11,025.00 8,199.40 169,458.68 . Vanguard Group . Date of Death: 12/16/2005 Valuation Date: 12/16/2005 Processing Date: 02/14/2006 Estate of: Estate of Myrtle Richards Account: 91423 Report Type: Date of Dea th Number of Securities: 2 File ID: Richards, Myrtle Estate Vanguard Shares or Par Securitv Description High/Ask Low/Bid Mean and/or Div and Int Adjustments Accruals Securi ty Val ue 1) 4873.294 VANGUARD FIXED INCOME SECS FD (922031885) INTRM JNVGRD I Mutual Fund (as quoted by NASDAQ) 12/16/2005 9.76000 Mkt 9.760000 47,563.35 2) 1712.329 VANGUARD/WELLINGTON FD INC (921935102) COM Mutual Fund (as quoted by NASDAQ) 12/16/2005 31.75000 Mkt 31.750000 54,366.45 Total Value: Total Accrual: Total: $101,929.80 $0.00 $101,929.80 , . Page 1 This report was produced with EstateVal, a product of Estate Valuations & Pricing Systems, Inc. If you have questions, please contact EVP Systems at (818) 313-6300 or www.evpsys.com. (Revision 7.0.4) . Fulton Financial 69424817 . Date of Death: 12/16/2005 Valuation Date: 12/16/2005 Processing Date: 02/14/2006 Shares or Par Security Description Estate of: Estate of Myrtle Richards Account: 91423 Report Type: Date of Death Number of Securities: 1 File ID: Richards, Myrtle Estate Fulton Financial 69424817 High/Ask Low/Bid Mean and/or Div and Int Adjustments Accruals Securi ty Value 1) 9038.495 OPPENHEIMER BALANCED FD (68380AI04) CL A Mutual Fund (as quoted by NASDAQ) 12/16/2005 13.54000 Mkt 13 .540000 122,381.22 Total Value: Total Accrual: Total: $122,381~22 $0.00 $122,381.22 Page 1 This report was produced with EstateVal, a product of Estate Valuations & Pricing Systems, Inc. If you have questions, please contact EVP Systems at (818) 313-6300 or www.evpsys.com. (Revision 7.0.4) . Estate Valuation . Date of Death: 12/16/2005 Valuation Date: 12/16/2005 Processing Date: 01/31/2006 Estate of: Estate of Myrtle Richards Account: 91423 Report Type: Date of Death Number of Securities: 1 File ID: Richards, Myrtle Estate PPL Shares or Par Security Description High/Ask Low/Bid Mean and/or Div and Int Adjustments Accruals Security Value 1) 5268 PPL CORP (69351T106) COM New York Stock Exchange 12/16/2005 30.35000 29.99000 H/L Div: 0.25 Ex: 12/07/2005 Rec: 12/09/2005 Pay: 01/01/2006 30.170000 158,935.56 1,317.00 Total Value: Total Accrual: Total: $160,252.56 $1,317.00 $158,935.56 Page 1 This report was produced with EstateVal, a product of Estate Valuations & Pricing Systems, Inc. If you have questions, please contact EVP Systems at (818) 313-6300 or www.evpsys.com. (Revision 7.0.4) . . . I I \ l I I ' ", ". ' I . / , / ~ ...... ~ . . ." ppl .;~~~: ~ ... TM PPL Corporation Two North Ninth Street Allentown, PA 18101-1179 htto:/Iwww.oolweb.com/ Investor Services Toll Free Number 800-345-3085 Date January 27, 2006 Re: PPL Stock Account _. Type of Stock: PPL Corporation Common Stock CUSIP: 69351T-10-6 Account Number: 3097153045 Social Security Number: 200-14-8270 Account Registration: Myrtle L. Richards Date of Death: December 16, 2005 Number of Shares Currently Held: 2.634 2.634 In Certificate Form In Direct Registration In Dividend Reinvestment Plan TOTAL SHARES 5,268 Number of Shares Held as of Date of Death: 2,634 2,634 In Certificate Form In Direct Registration In Dividend Reinvestment Plan TOTAL SHARES 5.268 $30.13 Closing market price of Common Stock on New York Stock Exchange on date of death or last business day prior to date of death. Other Comments: PPL Corporation e INVES10R SERVICL. ~ Q.~~" Cynthia A. Buchman Sr. Investor Services Representative . Date of Death: 12/16/2005 Valuation Date: 12/16/2005 Processing Date: 03/03/2006 Shares or Par Security Description 1) 2) 3) Int: 07/26/2005 to 12/16/2005 50000 FEDERAL HOME LN BKS (3133XAP43) Government/Agency (Dealer Quotations) DTD: 02/25/2005 Mat: 02/25/2008 3.9\ 12/16/2005 Int: 08/25/2005 to 12/16/2005 50000 FEDERAL HOME LN BKS (3133XAY92) Government/Agency (Dealer Quotations) DTD: 03/24/2005 Mat: 03/24/2010 4.68\ 12/16/2005 Int: 09/24/2005 to 12/16/2005 60 EMERSON ELEC CO (291011104) COM New York Stock Exchange 12/16/2005 4) 5) 6) 150 GENERAL ELECTRIC CO (369604103) COM New York Stock Exchange 12/16/2005 7) Fulton Financial High/ASk 98.87500 98.53125 98.78125 76.13000 36.26000 40 L-3 COMMUNICATIONS HLDGS INC (502424104) COM New York Stock Exchange 12/16/2005 73.57000 8) 60 VERIZON COMMUNICATIONS (92343VI04) COM New York Stock Exchange 12/16/2005 9) 125 DISNEY WALT CO (254687106) COM DISNEY New York Stock Exchange 12/16/2005 30.63000 24.91000 . Estate of: Estate of Myrtle L. Richards Account: 91423 Report Type: Date of Death Number of Securities: 52 File ID: Richard, Myrtle Estate Fulton Financial Mean and/or Div and Int Security Adjustments Accruals Value Low/Bid 99.21875 A/B 98.81250 A/B 98.43750 A/B 98.59375 A/B 75.52000 H/L 36.02000 H/L 72 .12000 H/L 30.35000 H/L 24.54000 H/L Div: 0.27 Ex: 12/08/2005 Rec: 12/12/2005 Pay: 01/06/2006 100 HOME DEPOT INC (437076102) COM New York Stock Exchange 12/16/2005 25000 FEDERAL HOME LN BKS (3133XAJ81) Government/Agency (Dealer Quotations) DTD: 02/18/2005 Mat: 08/18/2006 3.375\ 12/16/2005 99.25000 Int: 08/18/2005 to 12/16/2005 50000 FEDERAL HOME LN BKS (3133XAHU4) Government/Agency (Dealer Quotations) DTD: 01/26/2005 Mat: 01/26/2007 3.56\ 12/16"/2005 10) 11) 50 LOWES COS INC (548661107) COM New York Stock Exchange 12/16/2005 42.78000 69.70000 Page 1 42.40000 H/L 68.91000 H/L 99.234375 24,808.59 276.56 98.843750 49,421.88 692.22 98.484375 49,242.19 601.25 98.687500 49,343.75 533.00 75.825000 4,549.50 36.140000 5,421.00 72.845000 2,913.80 30.490000 1,829.40 24.725000 3, 090.63 33.75 42.590000 4,259.00 69.305000 3,465.25 This report was produced with EstateVal, a product of Estate Valuations & Pricing Systems, Inc. If you have questions, please contact EVP Systems at (818) 313-6300 or www.evpsys.com. (Revision 7.0.4) Date of Death: 12/16/2005 Valuation Date: 12/16/2005 Processing Date: 03/03/2006 . Shares or Par Security Description 12) 250 TIME WARNER INC (887317105) COM New York Stock Exchange 12/16/2005 13) 75 COCA COLA CO (191216100) COM New York Stock Exchange 12/16/2005 14") 80 COLGATE PALMOLIVE CO (194162103) COM New York Stock Exchange 12/16/2005 15) 85 PEPSICO INC (713448108) COM New York Stock Exchange 12/16/2005 High/Ask 18.33000 41.51000 57.15000 60.25000 . Estate of: Estate of Myrtle L. RiChards Account: 91423 Report Type: Date of Death Number of Securities: 52 File ID: Richard, Myrtle Estate Fulton Financial LOw/Bid 17.84000 H/L 41.16000 H/L 55.87000 H/L 59.75000 H/L Div: 0.26 Ex: 12/07/2005 Rec: 12/09/2005 Pay: 01/03/2006 75 BP PLC (055622104) SPONSORED ADR New York Stock Exchange 12/16/2005 16) 17) 75 CHEVRON CORP NEW (166764100) COM New York Stock Exchange 12/16/2005 18) 50 CONOCOPHILLIPS (20825C104) COM New York Stock EXChange 12/16/2005 19) 50 SCHLUMBERGER LTD (806857108) COM New York Stock Exchange 12/16/2005 66.68000 59.19000 58.90000 101.70000 65.44000 H/L 57.45000 H/L 57.14000 H/L 99.80000 H/L Div: 0.21 Ex: 12/05/2005 Rec: 12/07/2005 Pay: 01/06/2006 100 BB&T CORP (054937107) COM New York Stock Exchange 12/16/2005 20) 21) 125 CITIGROUP INC (172967101) COM New York Stock Exchange 12/16/2005 22) 100 FIRST HORIZON NATL CORP (320517105) COM New York Stock Exchange 12/16/2005 43.45000 49.51000 39.75000 43.18000 H/L 49.25000 H/L Div: 0.45 Ex: 12/14/2005 Rec: 12/16/2005 Pay: 01/01/2006 39.39000 H/L Mean and/or Div and Int Security Adjustments Accruals Value 18.085000 4,521.25 41. 335000 3,100.13 56.510000 4,520.80 60.000000 5,100.00 22.10 66.060000 4,954.50 58.320000 4,374.00 58.020000 2,901.00 100.750000 5,037.50 10.50 43.315000 4,331.50 49.380000 6,172.50 39.570000 3,957.00 45.00 Page 2 This report was produced with EstateVal, a product of Estate Valuations & Pricing Systems, Inc. If you have questions, please contact EVP Systems at (818) 313-6300 or www.evpsys.com. (Revision 7.0.4) Date of Death: 12/16/2005 Valuation Date: 12/16/2005 Processing Date: 03/03/2006 . Shares or Par Security Description 23) 100 GREATER BAY BANCORP (391648102) COM NASDAQ Bank - Insurance 12/16/2005 24) 150 ASTORIA FINL CORP (046265104) COM New York Stock Exchange 12/16/2005 25' High/ASk 27.09000 29.47000 130 BANK OF AMERICA CORPORATION (060505104) COM New York Stock Exchange 12/16/2005 47.25000 . Estate of: Estate of Myrtle L. Richards Account: 91423 Report Type: Date of Death Number of Securities: 52 File ID: Richard, Myrtle Estate Fulton Financial Low/Bid 26.73000 H/L 29.21000 H/L 46.84000 H/L Div: 0.5 Ex: 11/30/2005 Rec: 12/02/2005 Pay: 12/23/2005 150 JP MORGAN CHASE & CO (46625HI00) COM New York Stock Exchange 12/16/2005 26) 27) 39.88000 125 NEW YORK CMNTY BANCORP INC (649445103) COM New York Stock Exchange 12/16/2005 17.25000 28) 175 NORTH FORK BANCORPORATION NY (659424105) COM New York Stock Exchange 12/16/2005 27.87000 29) 50 PNC FINL SVCS GROUP INC (693475105) COM New York Stock Exchange 12/16/2005 30) 100 PROVIDENT BANKSHARES CORP (743859100) COM NASDAQ Bank - Insurance 12/16/2005 31) 175 SOVEREIGN BANCORP INC (845905108) COM New York Stock Exchange 12/16/2005 32) 200 US BANCORP DEL (902973304) COM NEW New York Stock Exchange 12/16/2005 33) 100 WACHOVIA CORP 2ND NEW (929903102) COM New York Stock Exchange 12/16/2005 34) 80 WEBSTER FINL CORP CONN (947890109) COM New York Stock Exchange 12/16/2005 64.37000 35.50000 21. 79000 31.05000 54.24000 48.11000 39.64000 H/L 17.04000 H/L 27.54000 H/L 63.86000 H/L 34.92000 H/L 21.50000 H/L 30.76000 H/L 53.67000 H/L 47.66000 H/L Mean and/or Div and Int Security Adjustments Accruals Value 26.910000 2,691.00 29.340000 4,401.00 47.045000 6,115.85 65.00 39.760000 5,964.00 17.145000 2,143.13 27.705000 4,848.38 64.115000 3,205.75 35.210000 3,521.00 21.645000 3,787.88 30.905000 6,181.00 53.955000 5,395.50 47.885000 3,830.80 Page 3 This report was produced with EstateVal, a product of Estate Valuations & Pricing Systems, Inc. If you have questions, please contact EVP Systems at (818) 313-6300 or www.evpsys.com. (Revision 7.0.4) Date of Death: 12/16/2005 Valuation Date: 12/16/2005 Processing Date: 03/03/2006 . High/Ask 64.48000 44.36000 40.36000 80.11000 52.00000 56.90000 22.93000 100 TEVA PHARMACEUTICAL INDS LTD (881624209) ADR NASDAQ - Industrial 12/16/2005 45.91000 . Estate of: Estate of Myrtle L. Richards Account: 91423 Report Type: Date of Death Number of Securities: 52 File ID: Richard, Myrtle Estate Fulton Financial Mean and/or Div and Int security Adjustments Accruals Value Low/Bid 63.71000 H/L 43.51000 H/L 39.37000 H/L 78.59000 H/L 51.53000 H/L Div: 0.3552 Ex: 11/02/2005 Rec: 11/04/2005 Pay: 01/05/2006 75 LILLY ELI & CO {532457108} COM New York Stock Exchange 12/16/2005 Shares or Par Security Description 45.12000 57.80000 94.40000 21. 29000 Page 4 56.60000 H/L 22.54000 H/L 44.95000 H/L 44.36000 H/L 56.97000 H/L 92.17000 H/L 20.99000 H/L 64.095000 5,448.08 43.935000 4,393.50 35} 85 WELLS FARGO & CO NEW (949746101) COM New York Stock Exchange 12/16/2005 39.865000 1,993.25 36} 100 WASHINGTON MUT INC (939322103) COM New York Stock Exchange 12/16/2005 79.350000 4,761.00 37) 50 ABBOTT LABS {002824100} COM New York Stock Exchange 12/16/2005 51.765000 2,329.43 38} 60 AMGEN INC {031162100} COM NASDAQ - Industrial 12/16/2005 15.98 56.750000 4,256.25 39) 45 GLAXOSMITHKLlNE PLC {37733W105} SPONSORED ADR New York Stock Exchange 12/16/2005 22.735000 5,683.75 40} 41} 250 PFIZER INC {717081103} COM New York Stock Exchange 12/16/2005 45.430000 4,543.00 42) 43) 90 WYETH {983024100} COM New York Stock Exchange 12/16/2005 44.740000 4,026.60 44} 75 MEDTRONIC INC {585055106} COM New York Stock Exchange 12/16/2005 57.385000 4,303.88 45} 80 GENENTECH INC (368710406) COM NEW New York Stock Exchange 12/16/2005 93.285000 7,462.80 46} 200 CORNING INC {219350105} COM New York Stock Exchange 12/16/2005 21.140000 4,228.00 This report was produced with EstateVal, a product of Estate Valuations & Pricing Systems, Inc. If you have questions, please contact EVP Systems at {a18} 313-6300 or www.evpsys.com. {Revision 7.0.4} Date of Death: 12/16/2005 Valuation Date: 12/16/2005 Processing Date: 03/03/2006 . . Estate of: Estate of Myrtle L. Richards Account: 91423 Report Type: Date of Death Number of Securities: 52 File ID: Richard, Myrtle Estate Fulton Financial Shares or Par Security Description High/Ask Low/Bid Mean and/or Div and Int Security Adjustments Accruals Value 47) 375 MOTOROLA INC (620076109) COM New York Stock Exchange 12/16/2005 22.82000 22.40000 H/L Div: 0.04 Ex: 12/13/2005 Rec: 12/15/2005 Pay: 01/13/2006 22.610000 8,478.75 15.00 48) 375 NOKIA CORP (654902204) SPONSORED ADR New York Stock Exchange 12/16/2005 18.65000 18.47000 H/L 18.560000 6,960.00 49) 130 QUALCOMM INC (747525103) COM NASDAQ - Industrial 12/16/2005 46.15000 44.89000 H/L 45.520000 5,917.60 Div: 0.09 Ex: 12/05/2005 Rec: 12/07/2005 Pay: 01/04/2006 11.70 50) 150 MICROSOFT CORP (594918104) COM NASDAQ - Industrial 12/16/2005 27.08000 26.81000 H/L 26.945000 4,041. 75 51) 250 CISCO SYS INC (l7275Rl02) COM NASDAQ - Industrial 12/16/2005 17.77000 17.51000 H/L 17.640000 4,410.00 52) 250 INTEL CORP (458140100) COM NASDAQ - Industrial 12/16/2005 26.68000 26.38000 H/L 26.530000 6,632.50 Total Value: $389,270.60 Total Accrual: $2,322 . 06 Total: $391,592.66 Page 5 This report was produced with EstateVal, a product of Estate Valuations & Pricing Systems, Inc. If you have questions, please contact EVP Systems at (818) 313-6300 or www.evpsys.com. (Revision 7.0.4) . Estate Valuation . Date of Death: 12/16/200S Valuation Date: 12/16/200S Processing Date: 01/31/2006 Estate of: Estate of Myrtle Richards Account: 91423 Report Type: Date of Death Number of Securities: 2 File ID: Richards, Myrtle Estate Wachovia Shares or Par Security Description High/Ask Low/Bid Mean and/or Div and Int Security Adjustments Accruals Value 1) 1000 MERRILL LYNCH PFD CAP TR II (S9021C203) TOPRS New York Stock Exchange 12/16/200S 26.62000 26.38000 H/L 26.S00000 26,500.00 2) 6111.964 DRYDEN MUN SER FD (262468101) FLA SER CL A Mutual Fund (as quoted by NASDAQ) 12/16/200S 10.04000 Mkt 10.040000 61,364.12 Total Value: Total Accrual: Total: $87,864.12 $87,864.12 $0.00 Page 1 This report was produced with EstateVal, a product of Estate Valuations & Pricing Systems, Inc. If you have questions, please contact EVP Systems at (818) 313-6300 or www.evpsys.com. (Revision 7.0.4) . Nuveen . Date of Death: 12/16/2005 Valuation Date: 12/16/2005 Processing Date: 02/14/2006 Shares or Par Security Description High/Ask Low/Bid Estate of: Estate of Myrtle Richards Account: 91423 Report Type: Date of Death Number of Securities: 1 File ID: Richards, Myrtle Estate Nuveen Mean and/or Div and Int Security Adjustments Accruals Value 1) 2915 NUVEEN PA INVT QUALITY MUN FD (670972108) COM New York Stock Exchange 12/16/2005 13.51000 13.41000 H/L Div: 0.058 Ex: 12/13/2005 Rec: 12/15/2005 Pay: 12/30/2005 Div: 0.1058 Ex: 12/13/2005 Rec: 12/15/2005 Pay: 12/30/2005 13.460000 39,235.90 169.07 308.41 Total Value: Total Accrual: Total: $39,713.38 $477.48 $39,235.90 r' Page 1 This report was produced with EstateVal, a product of Estate Valuations & Pricing Systems, Inc. If you have questions, please contact EVP Systems at (818) 313-6300 or www.evpsys.com. (Revision 7.0.4) Savings Bond Calculator . . Page 1 of 1 Villu€- As Of f1?/?9.qs. ,- 1- CALCU Savine Bond Info Series I~~~o~.~s. iliI Denomination Serial Number Issue Date $I?g.., 1M I . ..... .........., rr;;r: ~ Results # Bonds 1 Total Price $25.00 Total Interest $98.40 Total Value $123.40 YTD In! $4.7 Issue Serial Number Issue Date Series Denom Price Interest Value Interest Next Final Rate Accrual Maturity L40883224EE 01/1981 EE $50 $25.00 $98.40 $123.40 4.00% 01/2006 01/2011 Le(end Note Description NI Not Issued NE Not Eligible for Payment P5 Includes 3-month interest penalty MA Matured and Not Earning Interest Please rate this service. (Please print and/or save this page before submitting your survey) Service Excellent Good Fair Poor Savings Bond Calculator (" c c c http://wwws. publicdebt. treas.gov/BC/SBCPrice 5/3/2006 ,0, !t:i . . '.l.IW:'" _- . w:_ _-, " - : -. ).~., J" " .J " ~ -:ow", "i ~J ell ( , ~ ~,''''~~__ " 1il ISSUE DATE ~ WHICH IS THE FIRST DAY OF ~I !l Ii' JAN 1981 fi! CON t~~~=Itt ;:~~ff@ql 8 ANK/ & TR. ~. ~i I \ -I : tSSUIN~ ,AGENT'S ~ i, \IAN 21 81: II \ DATING STAM,. " ~t \ '~I CH!-c.~GO, ,1LL. ~I ----.. ~ '!i 00[2(08832024 EE Ii I ,..w UB~__.~l AT THE MATURITY HEREOFWIU PAY ~~~ GIfT 185-12-6286 7iJ RICHARDS RICHARD W 316 LAMP POST LANE CAMP HILL PA 17011 OR MYRTLE L RICHARDS '""'.. 1Otm1S1ISlJIDUNDtflAUTe"...... _,.~,..<M;.C'D. _:~=';. 'i\;::'~'\:- WAStakGTOtt . ",\ J<<rrt&tJ'frlMlnwsWJI ltW.IOC"'; Calculated Value of Your Paper Savings Bond(s) . . 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'I " >-I.e, ,. ..a~. ~ !,<.a(ct;, iR127608807EE EE $200 10/199504/2006 10/2025 $100.00 $49.28 3.23% $149.28 !R137480657EE EE $200 10/199604/2006 10/2026 $100.00 $42.00 3.23% $142.00 IC277009923EE EE $100 12/199006/2006 12/2020 $50.00 $64.48 4.00% $114.48 i iC277009922EE EE $100 12/199006/2006 12/2020 $50.00 $64.48 4.00% $114.48 iC277009924EE EE $100 12/199006/2006 12/2020 $50.00 $64.48 4.00% $114.48 !C277049793EE EE $100 01/1991 01/2006 01/2021 $50.00 $62.24 4.00% $112.24 iC277049792EE EE $100 01/1991 01/2006 01/2021 $50.00 $62.24 4.00% $112.24 IC2770926933EE EE $100 01/1991 01/2006 01/2021 $50.00 $62.24 4.00% $112.24 I IC277150014EE EE $100 01/199101/2006 01/2021 $50.00 $62.24 4.00% $112.24 !C277211692EE EE $100 01/199101/2006 01/2021 $50.00 $62.24 4.00% $112.24 iC259503970EE EE $100 02/199102/2006 02/2021 $50.00 $62.24 4.00% $112.24 iC277246183EE EE $100 02/199102/2006 02/2021 $50.00 $62.24 4.00% $112.24 IC277230785EE EE $100 02/1991 02/2006 02/2021 $50.00 $62.24 4.00% $112.24 iC277201111EE EE $100 02/199102/2006 02/2021 $50.00 $62.24 4.00% $112.24 iC277304173EE EE $100 03/199103/2006 03/2021 $50.00 $62.24 4.00% $112.24 j IC308502669EE EE $100 03/1991 03/2006 03/2021 $50.00 $62.24 4.00% $112.24 IC308516432EE EE $100 03/1991 03/2006 03/2021 $50.00 $62.24 4.00% $112.24 iC308545272EE EE $100 03/1991 03/2006 03/2021 $50.00 $62.24 4.00% $112.24 iC308606717EE EE $100 04/1991 04/2006 04/2021 $50.00 $62.24 4.00% $112.24 IC308606716EE EE $100 04/199104/2006 04/2021 $50.00 $62.24 4.00% $112.24 iC308626834EE EE $100 04/1991 04/2006 04/2021 $50.00 $62.24 4.00% $112.24 iC308658454EE EE $100 04/1991 04/2006 04/2021 $50.00 $62.24 4.00% $112.24 IC308719169EE EE $100 05/1991 OS/2006 OS/2021 $50.00 $62.24 4.00% $112.24 !C308719170EE EE $100 05/1991 OS/2006 OS/2021 $50.00 $62.24 4.00% $112.24 iC300732999EE EE $100 05/1991 OS/2006 OS/2021 $50.00 $62.24 4.00% $112.24 IC300752493EE EE $100 05/1991 OS/2006 OS/2021 $50.00 $62.24 4.00% $112.24 IC300778155EE EE $100 05/1991 OS/2006 OS/2021 $50.00 $62.24 4.00% $112.24 jC308746470EE EE $100 06/1991 06/2006 06/2021 $50.00 $62.24 4.00% $112.24 lc3087 464 71 EE EE $100 06/199106/2006 06/2021 $50.00 $62.24 4.00% $112.24 IC308780391EE EE $100 06/199106/2006 06/2021 $50.00 $62.24 4.00% $112.24 IC308807509EE EE $100 06/1991 06/2006 06/2021 $50.00 $62.24 4.00% $112.24 C308845500EE EE $100 07/199101/2006 07/2021 $50.00 $60.04 4.00% $110.04 IC30884550 1 EE EE $100 07/199101/2006 07/2021 $50.00 $60.04 4.00% $110.04 jC308888366EE EE $100 07/199101/2006 07/2021 $50.00 $60.04 4.00% $110.04 IC308961436EE EE $100 07/199101/2006 07/2021 $50.00 $60.04 4.00% $110.04 I IC308974728EE EE $100 07/199101/2006 07/2021 $50.00 $60.04 4.00% $110.04 IC308983443EE EE $100 08/1991 02/2006 08/2021 $50.00 $60.04 4.00% $110.04 http://www . treasurydirect.gov/BC/SBCPrice 8/17/2006 Calculated Value of Your Paper Savings Bond(s) . Page 2 of5 . !R73452683EE EE $200 08/1991 02/2006 08/2021 $100.00 $120.08 4.00% $220.08 !R73457381EE EE $200 08/1991 02/2006 08/2021 $100.00 $120.08 4.00% $220.08 :R73465537EE EE $200 08/1991 02/2006 08/2021 $100.00 $120.08 4.00% $220.08 'R73477586EE EE $200 09/1991 03/2006 09/2021 $100.00 $120.08 4.00% $220.08 !R73477587EE EE $200 09/1991 03/2006 09/2021 $100.00 $120.08 4.00% $220.08 !R73484846EE EE $200 09/1991 03/2006 09/2021 $100.00 $120.08 4.00% $220.08 IR73492018EE EE $200 09/1991 03/2006 09/2021 $100.00 $120.08 4.00% $220.08 IR73504734EE EE $200 10/1991 04/2006 10/2021 $100.00 $120.08 4.00% $220.08 iR73552550EE EE $200 11/199105/2006 11/2021 $100.00 $120.08 4.00% $220.08 iR73569160EE EE $200 12/1991 06/2006 12/2021 $100.00 $120.08 4.00% $220.08 iR73569159EE EE $200 12/1991 06/2006 12/2021 $100.00 $120.08 4.00% $220.08 !R73583043EE EE $200 12/1991 06/2006 12/2021 $100.00 $120.08 4.00% $220.08 iR73588256EE EE $200 12/1991 06/2006 12/2021 $100.00 $120.08 4.00% $220.08 iR73595581EE EE $200 01/199201/2006 01/2022 $100.00 $115.76 4.00% $215.76 !R73601854EE EE $200 01/199201/2006 01/2022 $100.00 $115.76 4.00% $215.76 !R73609344EE EE $200 01/199201/2006 01/2022 $100.00 $115.76 4.00% $215.76 !R80047386EE EE $200 01/199201/2006 01/2022 $100.00 $115.76 4.00% $215.76 iR80061196EE EE $200 02/1992 02/2006 02/2022 $100.00 $115.76 4.00% $215.76 jR80061197EE EE $200 02/199202/2006 02/2022 $100.00 $115.76 4.00% $215.76 !R80067641EE EE $200 02/1992 02/2006 02/2022 $100.00 $115.76 4.00% $215.76 !R80074774EE EE $200 02/199202/2006 02/2022 $100.00 $115.76 4.00% $215.76 iR80210718EE EE $200 06/199206/2006 06/2022 $100.00 $115.76 4.00% $215.76 !R80218066EE EE $200 06/199206/2006 06/2022 $100.00 $115.76 4.00% $215.76 iR80224049EE EE $200 06/199206/2006 06/2022 $100.00 $115.76 4.00% $215.76 iR82452800EE EE $200 08/1992 02/2006 08/2022 $100.00 $111.52 4.00% $211.52 IR82452801EE EE $200 08/199202/2006 08/2022 $100.00 $111.52 4.00% $211.52 IR82464291EE EE $200 08/199202/2006 08/2022 $100.00 $111.52 4.00% $211.52 !R82475612EE EE $200 08/199202/2006 08/2022 $100.00 $111.52 4.00% $211.52 iR85908942EE EE $200 09/199203/2006 09/2022 $100.00 $111.52 4.00% $211.52 !R85908943EE EE $200 09/199203/2006 09/2022 $100.00 $111.52 4.00% $211.52 IR85918833EE EE $200 09/199203/2006 09/2022 $100.00 $111.52 4.00% $211.52 IR85926024EE EE $200 09/199203/2006 09/2022 $100.00 $111.52 4.00% $211.52 iR85939957EE EE $200 09/199203/2006 09/2022 $100.00 $111.52 4.00% $211.52 iR85945963EE EE $200 10/199204/2006 10/2022 $100.00 $111.52 4.00% $211.52 iR85955413EE EE $200 10/1992 04/2006 10/2022 $100.00 $111.52 4.00% $211.52 !R88969694EE EE $200 10/199204/2006 10/2022 $100.00 $111.52 4.00% $211.52 J lR88979761EE EE $200 10/199204/2006 10/2022 $100.00 $111.52 4.00% $211.52 iR89003667EE EE $200 11/1992 OS/2006 11/2022 $100.00 $111.52 4.00% $211.52 lR890036668EE EE $200 11/1992 OS/2006 11/2022 $100.00 $111.52 4.00% $211.52 iR89018378EE EE $200 11/1992 OS/2006 11/2022 $100.00 $111.52 4.00% $211.52 !R89022652EE EE $200 11/1992 OS/2006 11/2022 $100.00 $111.52 4.00% $211.52 IR89043789EE EE $200 12/199206/2006 12/2022 $100.00 $111.52 4.00% $211.52 IR89043790EE EE $200 12/199206/2006 12/2022 $100.00 $111.52 4.00% $211.52 ;R89453505EE EE $200 12/199206/2006 12/2022 $100.00 $111.52 4.00% $211.52 !R93779100EE EE $200 12/199206/2006 12/2022 $100.00 $111.52 4.00% $211.52 iR93785933EE EE $200 12/199206/2006 12/2022 $100.00 $111.52 4.00% $211.52 IR93792190EE EE $200 01/199301/2006 01/2023 $100.00 $107.36 4.00% $207.36 iR93792191EE EE $200 01/199301/2006 01/2023 $100.00 $107.36 4.00% $207.36 !R93800443EE EE $200 01/199301/2006 01/2023 $100.00 $107.36 4.00% $207.36 IR93812417EE EE $200 01/199301/2006 01/2023 $100.00 $107.36 4.00% $207.36 IR93839832EE EE $200 02/199302/2006 02/2023 $100.00 $107.36 4.00% $207.36 I http://www.treasurydirect.gov/BC/SBCPrice 8/17/2006 Calculated Value of Your Paper Savings Bond(s) Page 3 of5 . . iR93839833EE EE $200 02/1993 02/2006 02/2023 $100.00 $107.36 4.00% $207.36 IR93846535EE EE $200 02/1993 02/2006 02/2023 $100.00 $107.36 4.00% $207.36 iR93862397EE EE $200 02/199302/2006 02/2023 $100.00 $107.36 4.00% $207.36 IR93882704EE EE $200 03/199303/2006 03/2023 $100.00 $73.60 3.16% $173.60 IR93882705EE EE $200 03/199303/2006 03/2023 $100.00 $73.60 3.16% $173.60 iR93898639EE EE $200 03/199303/2006 03/2023 $100.00 $73.60 3.16% $173.60 IR93903398EE EE $200 03/199303/2006 03/2023 $100.00 $73.60 3.16% $173.60 lR93908659EE EE $200 03/1993 03/2006 03/2023 $100.00 $73.60 3.16% $173.60 iR93915737EE EE $200 04/199304/2006 04/2023 $100.00 $73.60 3.16% $173.60 iR93919452EE EE $200 04/199304/2006 04/2023 $100.00 $73.60 3.16% $173.60 !R93925644EE EE $200 04/199304/2006 04/2023 $100.00 $73.60 3.16% $173.60 fR93937932EE EE $200 04/199304/2006 04/2023 $100.00 $73.60 3.16% $173.60 iR93950939EE EE $200 05/1993 OS/2006 OS/2023 $100.00 $72.16 3.35% $172.16 !R93950938EE EE $200 05/1993 OS/2006 OS/2023 $100.00 $72.16 3.35% $172.16 IR93956268EE EE $200 05/1993 OS/2006 OS/2023 $100.00 $72.16 3.35% $172.16 IR93961186EE EE $200 05/1993 OS/2006 OS/2023 $100.00 $72.16 3.35% $172.16 IR99636274EE EE $200 06/199306/2006 06/2023 $100.00 $72.16 3.35% $172.16 iR99636275EE EE $200 06/199306/2006 06/2023 $100.00 $72.16 3.35% $172.16 jR104122484EE EE $200 10/1993 04/2006 10/2023 $100.00 $69.44 3.19% $169.44 IR104165982EE EE $200 10/199304/2006 10/2023 $100.00 $69.44 3.19% $169.44 iR104227691EE EE $200 11/1993 OS/2006 11/2023 $100.00 $68.00 3.62% $168.00 iR104227690EE EE $200 11/1993 OS/2006 11/2023 $100.00 $68.00 3.62% $168.00 !R104258893EE EE $200 11/1993 OS/2006 11/2023 $100.00 $68.00 3.62% $168.00 i R1 04289417EE EE $200 11/1993 OS/2006 11/2023 $100.00 $68.00 3.62% $168.00 IR104372352EE EE $200 12/199306/2006 12/2023 $100.00 $68.00 3.62% $168.00 IR104372351EE ~i. . EE $200 12/199306/2006 12/2023 $100.00 $68.00 3.62% $168.00 IR104400869EE EE $200 12/199306/2006 12/2023 $100.00 $68.00 3.62% $168.00 IR107444795EE EE $200 12/199306/2006 12/2023 $100.00 $68.00 3.62% $168.00 iR107444796EE EE $200 12/1993 06/2006 12/2023 $100.00 $68.00 3.62% $168.00 iR107514031EE EE $200 01/199401/2006 01/2024 $100.00 $65.36 3.22% $165.36 iR107514032EE EE $200 01/199401/2006 01/2024 $100.00 $65.36 3.22% $165.36 IR107534575EE EE $200 01/199401/2006 01/2024 $100.00 $65.36 3.22% $165.36 IR107553019EE EE $200 01/199401/2006 01/2024 $100.00 $65.36 3.22% $165.36 !R107636830EE EE $200 02/199402/2006 02/2024 $100.00 $65.36 3.22% $165.36 I !R107636831EE EE $200 02/199402/2006 02/2024 $100.00 $65.36 3.22% $165.36 jR107661812EE EE $200 02/199402/2006 02/2024 $100.00 $65.36 3.22% $165.36 !R107678758EE EE $200 02/1994 02/2006 02/2024 $100.00 $65.36 3.22% $165.36 !R110607204EE EE $200 03/199403/2006 03/2024 $100.00 $65.36 3.22% $165.36 !R110607205EE EE $200 03/1994 03/2006 03/2024 $100.00 $65.36 3.22% $165.36 IR110612157EE EE $200 03/1994 03/2006 03/2024 $100.00 $65.36 3.22% $165.36 !110638062EE EE $200 03/199403/2006 03/2024 $100.00 $65.36 3.22% $165.36 IR110696176EE EE $200 03/199403/2006 03/2024 $100.00 $65.36 3.22% $165.36 jR110743029EE EE $200 04/199404/2006 04/2024 $100.00 $65.36 3.22% $165.36 IR110751913EE EE $200 04/1994 04/2006 04/2024 $100.00 $65.36 3.22% $165.36 IR110783272EE EE $200 04/1994 04/2006 04/2024 $100.00 $65.36 3.22% $165.36 IR110826275EE EE $200 04/199404/2006 04/2024 $100.00 $65.36 3.22% $165.36 IRl11127748EE EE $200 05/1994 OS/2006 OS/2024 $100.00 $64.64 3.42% $164.64 iRll1127749EE EE $200 05/1994 OS/2006 OS/2024 $100.00 $64.64 3.42% $164.64 I JRl11158335EE EE $200 05/1994 OS/2006 OS/2024 $100.00 $64.64 3.42% $164.64 !Rl11187381EE EE $200 05/1994 OS/2006 OS/2024 $100.00 $64.64 3.42% $164.64 !Rl1277350EE EE $200 06/199406/2006 06/2024 $100.00 $64.64 3.42% $164.64 i ! http://www.treasurydirect.gov/BC/SBCPrice 8/1 7/2006 Calculated Value of Your Paper Savings Bond(s) . Page 4 of5 . IR11277351EE EE $200 06/199406/2006 06/2024 $100.00 $64.64 3.42% $164.64 IR111343149EE EE $200 06/1994 06/2006 06/2024 $100.00 $64.64 3.42% $164.64 i R112623335EE EE $200 06/199406/2006 06/2024 $100.00 $64.64 3.42% $164.64 IR112680685EE EE $200 07/199401/2006 07/2024 $100.00 $62.00 3.28% $162.00 i R112680686EE EE $200 07/199401/2006 07/2024 $100.00 $62.00 3.28% $162.00 IR112724880EE EE $200 07/199401/2006 07/2024 $100.00 $62.00 3.28% $162.00 !R112803224EE EE $200 07/199401/2006 07/2024 $100.00 $62.00 3.28% $162.00 !R115510920EE EE $200 08/199402/2006 08/2024 $100.00 $62.00 3.28% $162.00 IR115510921EE EE $200 08/199402/2006 08/2024 $100.00 $62.00 3.28% $162.00 IR118180374EE EE $200 11/1994 OS/2006 11/2024 $100.00 $60.72 3.44% $160.72 I IR120238081EE EE $200 12/199406/2006 12/2024 $100.00 $60.72 3.44% $160.72 IR120297078EE EE $200 12/199406/2006 12/2024 $100.00 $60.72 3.44% $160.72 IR120273305EE EE $200 12/199406/2006 12/2024 $100.00 $60.72 3.44% $160.72 IR120476765EE EE $200 01/199501/2006 01/2025 $100.00 $58.32 3.10% $158.32 !R122624890EE EE $200 03/199503/2006 03/2025 $100.00 $58.32 3.10% $158.32 IR122729045EE EE $200 04/199504/2006 04/2025 $100.00 $58.32 3.10% $158.32 IR122729044EE EE $200 04/199504/2006 04/2025 $100.00 $58.32 3.10% $158.32 jR122767200EE EE $200 04/199504/2006 04/2025 $100.00 $58.32 3.10% $158.32 IR122815193EE EE $200 04/199504/2006 04/2025 $100.00 $58.32 3.10% $158.32 I IR123686886EE EE $200 05/1995 OS/2006 OS/2025 $100.00 $51.68 3.41% $151.68 i R12368688 7EE EE $200 05/1995 OS/2006 OS/2025 $100.00 $51.68 3.41% $151.68 !R123731450EE EE $200 05/1995 OS/2006 OS/2025 $100.00 $51.68 3.41% $151.68 IR123817302EE EE $200 05/1995 OS/2006 OS/2025 $100.00 $51.68 3.41% $151.68 R123885137EE EE $200 05/1995 OS/2006 OS/2025 $100.00 $51.68 3.41% $151.68 IR123933778EE EE $200 06/199506/2006 06/2025 $100.00 $51.68 3.41% $151.68 r' jR124002013EE EE $200 06/199506/2006 06/2025 $100.00 $51.68 3.41% $151.68 IR112171860EE EE $200 06/199506/2006 06/2025 $100.00 $51.68 3.41% $151.68 IR125037176EE EE $200 06/1995 06/2006 06/2025 $100.00 $51.68 3.41% $151.68 IR125167590EE EE $200 07/199501/2006 07/2025 $100.00 $49.28 3.23% $149.28 I IR125167591EE EE $200 07/199501/2006 07/2025 $100.00 $49.28 3.23% $149.28 jR125637906EE EE $200 07/199501/2006 07/2025 $100.00 $49.28 3.23% $149.28 IR125678976EE EE $200 07/199501/2006 07/2025 $100.00 $49.28 3.23% $149.28 jR126056577EE EE $200 08/199502/2006 08/2025 $100.00 $49.28 3.23% $149.28 I R126056578EE EE $200 08/199502/2006 08/2025 $100.00 $49.28 3.23% $149.28 IR126118123EE EE $200 08/199502/2006 08/2025 $100.00 $49.28 3.23% $149.28 !R126172337EE EE $200 08/199502/2006 08/2025 $100.00 $49.28 3.23% $149.28 iR126280238EE EE $200 08/199502/2006 08/2025 $100.00 $49.28 3.23% $149.28 jR127094141EE EE $200 09/199503/2006 09/2025 $100.00 $49.28 3.23% $149.28 IR127147079EE EE $200 09/199503/2006 09/2025 $100.00 $49.28 3.23% $149.28 I $100.00 $49.28 IR127672552EE EE $200 10/199504/2006 10/2025 3.23% $149.28 IR128940520EE EE $200 11/1995 OS/2006 11/2025 $100.00 $47.76 3.41% $147.76 R128940521EE EE $200 11/1995 OS/2006 11/2025 $100.00 $47.76 3.41% $147.76 iR129080311EE EE $200 11/1995 OS/2006 11/2025 $100.00 $47.76 3.41% $147.76 IR129124539EE EE $200 11/1995 OS/2006 11/2025 $100.00 $47.76 3.41% $147.76 R129230700EE EE $200 11/1995 OS/2006 11/2025 $100.00 $47.76 3.41% $147.76 jR131725105EE EE $200 03/199603/2006 03/2026 $100.00 $45.44 3.23% $145.44 IR131900216EE EE $200 04/199604/2006 04/2026 $100.00 $45.44 3.23% $145.44 R131900217EE EE $200 04/1996 04/2006 04/2026 $100.00 $45.44 3.23% $145.44 R131996656EE EE $200 04/199604/2006 04/2026 $100.00 $45.44 3.23% $145.44 R132059407EE EE $200 04/199604/2006 04/2026 $100.00 $45.44 3.23% $145.44 R125300875EE EE $200 05/1996 OS/2006 OS/2026 $100.00 $44.32 3.41% $144.32 http://www . treasurydirect.gov/BC/SBCPrice 8/17/2006 Calculated Value of Your Paper Savings Bond(s) . iR1253o.o.876EE EE $20.0. 0.5/19960.5/20.0.6 0.5/20.26 !R132342469EE EE $20.0. 0.5/19960.5/20.0.6 0.5/20.26 iR134128364EE EE $20.0. 0.5/1996 0.5/20.0.6 0.5/20.26 tR134818976EE EE $20.0. 0.6/19960.6/20.0.6 0.6/20.26 IR13486614o.EE EE $20.0. 0.6/19960.6/20.0.6 0.6/20.26 iR135165663EE EE $20.0. 0.7/19960.1/20.0.6 0.7/20.26 !R13597489o.EE EE $20.0. 0.7/19960.1/20.0.6 0.7/20.26 !R136o.2o.338EE EE $20.0. 0.7/19960.1/20.0.6 0.7/20.26 iR136o.67o.21EE EE $20.0. 0.8/19960.2/20.0.6 0.8/20.26 IR136124427EE EE $20.0. 0.8/19960.2/20.0.6 0.8/20.26 lR136173214EE EE $20.0. 0.8/19960.2/20.0.6 0.8/20.26 !R13644853o.EE EE $20.0. 0.8/19960.2/20.0.6 0.8/20.26 IR136448531EE EE $20.0. 0.9/19960.3/20.0.6 0.9/20.26 !R13648268o.EE EE $20.0. 0.9/19960.3/20.0.6 0.9/20.26 IR136482679EE EE $20.0. 0.9/19960.3/20.0.6 0.9/20.26 iR136755186EE EE $20.0. 0.9/19960.3/20.0.6 0.9/20.26 i IR136838o.89EE EE $20.0. 10./19960.4/20.0.6 10./20.26 R136838o.9o.EE EE $20.0. 10./19960.4/20.0.6 10./20.26 IR136896444EE EE $20.0. 10./19960.4/20.0.6 10./20.26 IR136968o.62EE EE $20.0. 10./19960.4/20.0.6 10./20.26 IR13755275o.EE EE $20.0. 11/19960.5/20.0.6 11/20.26 I'R13762416o.EE EE $20.0. 11/19960.5/20.0.6 11/20.26 R137732o.53EE EE $20.0. 11/1996 0.5/20.0.6 11/20.26 IR1378376o.6EE EE $20.0. 11/19960.5/20.0.6 11/20.26 !R138o.o.1342EE EE $20.0. 12/19960.6/20.0.6 12/20.26 I'R138o.o.1343EE EE $20.0. 12/19960.6/20.0.6 12/20.26 R138111679EE EE $20.0. 12/19960.6/20.0.6 12/20.26 IR1391o.1634EE EE $20.0. 12/19960.6/20.0.6 12/20.26 IR139266378EE EE $20.0. 12/19960.6/20.0.6 12/20.26 iR13928o.o.51EE EE $20.0. 0.1/19970.1/20.0.6 0.1/20.27 !R1393698o.5EE EE $20.0. 0.1/19970.1/20.0.6 0.1/20.27 IR139413717EE EE $20.0. 0.1/19970.1/20.0.6 0.1/20.27 IR1395o.5489EE EE $20.0. 0.1/19970.1/20.0.6 0.1/20.27 IR141951464EE EE $20.0. 0.2/19970.2/20.0.6 0.2/20.27 lR142o.16756EE EE $20.0. 0.2/19970.2/20.0.6 0.2/20.27 jR142o.8522o.EE EE $20.0. 0.2/19970.2/20.0.6 0.2/20.27 I'R1423o.93o.7EE EE $20.0. 0.3/19970.3/20.0.6 0.3/20.27 R1423o.93o.8EE EE $20.0. 0.3/1997 0.3/20.0.6 0.3/20.27 IR142358431EE EE $20.0. 0.3/19970.3/20.0.6 0.3/20.27 IR142449763EE EE $20.0. 0.3/19970.3/20.0.6 0.3/20.27 IR142643548EE EE $20.0. 0.4/19970.4/20.0.6 0.4/20.27 IR142696825EE EE $20.0. 0.4/19970.4/20.0.6 0.4/20.27 IR14o.931o.1o.EE EE $20.0. 0.4/19970.4/20.0.6 0.4/20.27 "R141o.o.o.287EE EE $20.0. 0.5/19970.1/20.0.6 0.5/20.27 R141o.73o.91EE EE $20.0. 0.5/19970.1/20.0.6 0.5/20.27 lR141166o.76EE EE $20.0. 0.5/19970.1/20.0.6 0.5/20.27 IR141194123EE EE $20.0. 0.5/19970.1/20.0.6 0.5/20.27 !~~-4~9_?1~?} ~~!=~.__._~~.o.O._...96/ 1997 0. 1/~9o.6 0. 6/? 0..2 7 http://www . treasurydirect.gov/BC/SBCPrice . $10.0..0.0. $44.32 $10.0..0.0. $44.32 $10.0..0.0. $44.32 $10.0..0.0. $44.32 $10.0..0.0. $44.32 $10.0..0.0. $42.0.0. $10.0..0.0. $42.0.0. $10.0..0.0. $42.0.0. $10.0..0.0. $42.0.0. $10.0..0.0. $42.0.0. $10.0..0.0. $42.0.0. $10.0..0.0. $42.0.0. $10.0..0.0. $42.0.0. $10.0..0.0. $42.0.0. $10.0..0.0. $42.0.0. $10.0..0.0. $42.0.0. $10.0..0.0. $42.0.0. $10.0..0.0. $42.0.0. $10.0..0.0. $42.0.0. $10.0..0.0. $42.0.0. $10.0..0.0. $41.12 $10.0..0.0. $41.12 $10.0..0.0. $41.12 $10.0..0.0. $41.12 $10.0..0.0. $41.12 $10.0..0.0. $41.12 $10.0..0.0. $41.12 $10.0..0.0. $41.12 $10.0..0.0. $41.12 $10.0..0.0. $38.88 $10.0..0.0. $38.88 $10.0..0.0. $38.88 $10.0..0.0. $38.88 $10.0..0.0. $38.88 $10.0..0.0. $38.88 $10.0..0.0. $38.88 $10.0..0.0. $38.88 $10.0..0.0. $38.88 $10.0..0.0. $38.88 $10.0..0.0. $38.88 $10.0..0.0. $38.88 $10.0..0.0. $38.88 $10.0..0.0. $38.88 $10.0..0.0. $43.44 $10.0..0.0. $43.44 $10.0..0.0. $43.44 $10.0..0.0. $43.44 $10.0..0.0. $43.0.4 3.41% 3.41% 3.41% 3.41% 3.41% 3.23% 3.23% 3.23% 3.23% 3.23% 3.23% 3.23% 3.23% 3.23% 3.23% 3.23% 3.23% 3.23% 3.23% 3.23% 3.41% 3.41% 3.41% 3.41% 3.41% 3.41% 3.41% 3.41% 3.41% 3.23% 3.23% 3.23% 3.23% 3.23% 3.23% 3.23% 3.23% 3.23% 3.23% 3.23% 3.23% 3.23% 3.23% 3.61% 3.61% 3.61% 3.61% 3.61% Page 5 of5 $144.32 $144.32 $144.32 $144.32 $144.32 $142.00 $142.00 $142.00 $142.00 $142.00 $142.00 $142.00 $142.00 $142.00 $142.00 $142.00 $142.00 $142.00 $142.00 $142.00 $141.12 $141.12 $141.12 $141.12 $141.12 $141.12 $141.12 $141.12 $141.12 $138.88 $138.88 $138.88 $138.88 $138.88 $138.88 $138.88 $138.88 $138.88 $138.88 $138.88 $138.88 $138.88 $138.88 $143.44 $143.44 $143.44 $143.44 .-.!!~3.04 ...J 8/17/2006 EXHIBIT E REV-l508 EX + (1-97) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE E CASH, BANK DEPOSITS, & MISC. PERSONAL PROPERTY ESTATE OF Richards, Myrtle L. FILE NUMBER 2~-2006-004~ Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly-owned with the right of survivorship must be disclosed on Schedule F. ITEM NUMBER DESCRIPTION 1. Cash found at Decedent's residence VALUE AT DATE OF DEATH ~,400.00 2 Wachovia Money Market Account 7057-3406 35,343.6~ 3 Pittsburgh Firefighters Federal Credit Union 5,699.98 4 Fulton Financial Account 694248~7 Money Market Funds ~,042.l5 5 Fulton Financial Money Market Account 72F0350~7 34,100.23 6 Highmark Direct Pay Central Region Premium Refund 205.27 7 Fulton Financial Advisors Dividend Check dated l2/~6/05 2,011.04 8 Firemen'S Relief Pension Refund Check 180.64 9 PA Unclaimed Property - John Hancock demutalization cash 646.00 2W46AD 2.000 TOTAL (Also enter on line 5 RecaoituJation) $ (If more space is needed. insert additional sheets of the same size) 80,628.92 . -,...- """'1....1.,.1 '-t.lc':::lt:t:ll::!:'<:j::' To: 7176125805 P.2/2 GUNA Mutual Group - Cr.1aims Online . Page 20f2 Under1ying Cause #3: Interval Between Onset and Death: Was an Autopsy F>>erformed? Attending Physician: Dates F>>hysician Attended: Date of Injury: N -... 12/16/2005 Life Savings Information: Share balance on Date Last PhYSically Worked 0: Share balance on Loss Date (12/1612005): Share Balance on 55 birthday, 11/13/1980: Share Balance on 60 birthday, 11/1311985: Share Balance on 65 birthday, 11/13/1990: Share Balance on 70 birthday, 11/1311995: . . '. "'--.--- $0.00 $5,699.98 $2.305.39 $3,638.05 $4,777.24 S6,487.95 Claim Comments: .""'_....._----~,...~-------:-:-".~-- Prepared by: Skocz, Sharon A (412) 928-8500 EX!. 204 Tuesday. January 31, 2006 -- Return address: CUNA Mutual Group P.o. Box 1621 Madison, WI 53701-1621 Dept. Bus: 800/621-6323. Dept. Fax: 6081218-1998 · VoicelTTD: 800/937.2544 Tftt: ..0... ro HI.., CIIOfT UNIO'" CO.pnE~ o _ I Site Map I S!1Llndex I Carutl I ~cy I S~~ I Ierros of Use Copyright 2006 CUNAMutual Group EXHIBIT F REV-1509 EX + (1-97) . . COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DE ENT ESTATE OF Richards, Myrtle L. SCHEDULE F JOINTLY -OWNED PROPERTY FILE NUMBER 21-2006-0041 If an as.et 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. Richards, Mark ADDRESS RELATIONSHIP TO DECEDENT Son 1150 Quail Ballow Road Bummelstown, PA 17036 B. c. JOINTLY-OWNED PROPERlY: I.ET1ER DATE DESCRIPTION OF PROPERlY %OF DATE OF DEATH ITEM FOR JOINT MADE Include name of financiallnslilution and bank account numbar or DATE OF DEATH DECD'S VALUE OF NUMBER TENANT JOINT similar idenlitving number. AIlach deed for jointly-held real estate. VALUE OF ASSET INlEREST DECEDENTS INTEREST 1. A 04/06/2000 PNC Bank 5140052622 owned 37,069.64 50.00 18,534.82 jointly with decedent's son, Mark Richards TOTAL (Also enter on line 6 Recapitulation) $ 18,534.82 2W46AE 2.000 (If more space is needed, insert additional sheets of same size) ....L:::: rbt: ~q:>i::i f-'.~1/01 . ~ PNCBAN< . February 13,2006 Cayle D. Swindler 415 FalJowfield Road, Suite 301 Camp Hill, P A 17011-4906 RE: Estate of Myrtle L. Richards, deceased SSN: 200-14-8270 DOD: 12/16/2005 Dear Ms. Swindler: In response to your request for Date of Death balances for the customer noted above, our records show the following: Checking Account Account #5140052622 Established 04/06/2000 MYRTLE L RICHARDS MARK. W RICHARDS nOD balance: $37,066.99 + $2.65 accrued interest Please note that this office only provides date of death balances for deposit accounts (IRAs, CDs, Checking and Savings accounts). We do not process any financial trallsactioD5 or provide statements. If you need assistance with any of these items, please call1-888-PNC-BANK (1-888-762-2265) or stop by your local PNC Bank branch office. Sincerely, ~Wilh- RacbeIle Wells 1-800-762-1775 P7 -PFSC-04-F 500 fim Ave. Pinsburgh PA 15219 Member FDIC TOTRL P.01 EXHIBIT G REV-151O EX + (1-97) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RElURN RESIDENT DECEDENT ESTATE OF Richards, Myrtle L. . SCHEDULE G INTER-VIVOS TRANSFERS & MISC. NON-PROBA TE PROPERTY FILE NUMBER 21-2006-0041 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. ~PllON OF PROPERlY %OF ITEM IIIO..UDE THE NAt.E OF THE "TRANSFEREE. THEIR RELATIONSHIP TO DATE OF DEATH DECO'S EXCLUSION TAXABLE VALUE NUMBEf; CECEOENT A/lDTHE ~"fuO~~~~AWACH A COPY OF THE VALUE OF ASSET INTEREST IIF APPLICABLE) 1. Sovereign Bank CD/~RA 68,397.84 100.00 0.00 68,397.84 0358005395 Beneficiary: Mark Richards - .- TOTAL (Also enter on line 7, Recapitulation) $ 68,397.84 2W46AF 2.000 (If more space is needed, insert additional sheets ofsarne size.) . . Sovereign Bank ESTATE OF SOCIAL SECURITY #: DATE OF DEATH: Myrtle L Richards 200-14-8270 December 16, 2005 Account #: 0358005395 Type: CDIIRA In the name of: Myrtle L Richards Date of Death Balance: $68,332.11 Int.(YTD) from 1/1/2005 to 12/1 0/2005 Accrued interest to date of death: $65.73 Other Info: Beneficiary: Mark Richards primary Open date: 4/1 0/1984 $1,712.22 Page 1 of 1 EXHIBIT H REV-1511 EX + (1-97) . SCHEDULE H FUNERAL EXPENSES & ADMINISTRATIVE COSTS COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF Richards, Myrtle L. Debts of decedent must be reDorted on Schedule I ITEM NUMBER A. B. 9 J.O J.J. 12 2. 3. 4. 5. 6. 7. 8 DESCRIPTION 1. FUNERAL EXPENSES: Mark Richards, reimbursement for payment to Myer's Funeral Home 2 Myer's Funeral Home .3 Pealer I s .-Flowers 4 Rolling Green Cemetery, grave marker 1. ADMINISTRATIVE COSTS: Personal Representative's Commissions Name of Personal Representative(s) Social Security Number(s) I EIN Number of Personal Representative(s) Street Address City State Zip Year(s) Commission Paid: Attorney Fees NNIle: Keefer Wood Allen & Rahal, LLP 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 Probate Fees Accountant's FeaR Tax Return Prepar~r's Fees Fulton Financial Advisors, fees Mark Hilbert, appraisal fee Register of Wills, short certificates cumberland Law Journal, legal advertising The Sentinel, legal advertising Reserve for additional miscellaneous expenses Total. :trom cont.1nuat.1on pages.... 2W46AG 2.000 . FILE NUMBER 21-2006-0041 TOTAL (Also enter on line 9, Recapitulation) $ (If more space IS needed, Insert additional sheets of same size) AMOUNT 3,000.00 6,030.00 511. 88 2,357.00 0.00 12,000.00 0.00 718.00 0.00 0.00 2,548.35 325.00 20.00 75.00 J.37.03 J.50.00 J.,250.62 29, J.2 2.88 Estate of: Richards, . . Myrtle L. Schedule H, Part B -- Administrative Costs Item No. Description 13 Wachovia,fees and commissions 14 Keefer Wood Allen & Rahal, LLP, out of pocket expenses TOTAL. (Carry forward to main schedule) . . . . . . Page 2 21-2006-0041 Amount 879.39 371.23 1,250.62 - EXHIBIT I COMMONWEALTH OF PENNSYlVANIA INHERITANCE TAX RE1URN RESIDENT DECEDENT ESTATE OF Richards, Myrtle L. . . SCHEDULE I DEBTS OF DECEDENT, MORTGAGE LIABILITIES, & LIENS - REV-1512 EX + (1-97) Include unrelmbursecl medical e~ns.s. ITEM NUMBER FILE NUMBER 21-2006-0041 1. Pulton Financial Advisors fee for 11/18/05-12/16/05 for account 72-11'035-01_7 DESCRIPTION AMOUNT 2 Pealer's Flowers, flowers ordered prior to decedent's date of death 315. 05 3 US Treasury, 2005 estimated taxes 61.43 4 US Treasury, 2D05 income tax 986.25 5 PA Department of Revenue, 2005 income tax 240.00 972.00 2W46AH 2.000 TOTAL (Also enter on line 10, RecapitUlation) $ (If more space is needed, insert additional sheets of the same size) 2,574.73 EXHIBIT J REV-1513 EX+ (9'{)O) . SCHEDULE J BENEFICIARIES COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF Richards 'Mvrt1e L. NUMBER J. 1. NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY TAXABLE DISTRIBUTIONS [include outright spousal distributions, and transfers under Sec. 9116 (a) (1.2)] Richards, James 15322 Quail Run Drive Darnestown, MD 20878 . FILE NUMBER 21-2006-0041 RELATIONSHIP TO DECEDENT Do Not List TrustH(.) Son Son Son Daughter AMOUNT OR SHARE OF ESTATE 260,503.22 347,435.88 260,503.22 260,503.22 ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18, 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 2 Richards, Mark 1150 Qua~l Hollow Road Humme1stown, PA 17036 2W46A11.000 TOTAL OF PART 11- ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV.1500 COVER SHEET 3 Richards, Kenneth 316 Lamp Post Lane Camp Hill, PA 17011 4 Conner, patricia 5253 Deerfield Avenue Mechanicsburg, PA 17050 1. B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS 1. (If more space IS needed. Insert additional sheets of the same size) $ 0.00 "- . .---- . Last Win and T esta:meJl1t OF l\fYRTLE L. RICILt\.RDS I,.l\fYRTLE L. RICHARDS, of Upper Allen Township, Cumberland County, Pennsylvania, do make, publish and declare this to be my Last Will and Testament, hereby revoking all \Vills and Codicils by me heretofore made. ITEM I: Familv Information. I am widow, having been married to RICHARD W. RICHARDS. I have five children: WAYNE RICHARDS, JAMES RICHARDS, MARK RICHARDS, KENNETH RICHARDS and PATRICIA CONNER. These are described in this Will as "my children," or as "a child of mine." Any person born to or adopted by issue of mine is to be included as issue of mine. Provided, however, no adopted person shall benefit under this Will unless the order or decree of adoption is entered before the adopted person attains the age of twenty-one (21) years. ITEM II: Death Taxes. I direct that all inheritance and estate taxes becoming due by reason of my dea.th and attributable to my probate assets, shall be paid by the Executor out of the residue of my esta~e) as an expense and cost of administration of my estate, except that no taxes shall be charged against any gift qualifying fOl" the marital or charitable deduction in my estate. Inheritance and estate taxes attributable to non-probate property shall be paid the recipient of that property. I Page 1 ~/~ . . ITEM III: Debts and Final Exoenses. I direct the Executor to pay the expenses of my last illness, m:r legally enforceable debts, and my funeral expenses from the residue of my estate as an expense and cost of administration of my estate. ITEM: IV: Taneible Personal ProDertv. (a) vVritten List. I may leave a written list in my safe depgsit box or elsewhere disposing of certain items of my tangible personal property. The Executor shall dispose of items of my personal property as specified in the written list. If no written list is found in my safe deposit box or elsewhere and properly identified by the Executor within thirty (30) days after the probate of my Will, it shall be presumed that there is no other statement or list. Any subsequently discovered list shall be ignored. (b) IfViTavne Survives. limy son, WAYNE RICHARDS, survives me, I give to him all of my household furniture and furnishings not set forth in the written list referenced in paragraph (a). If he does not survive me, this gift shall lapse. I give all my other tangible personal property, including but not limited to books, pictures, jewelry, silverware, automobiles, wearing apparel and all other articles of personal use or adornment and all policies of insurance there on to my children, to be divided among them as they shall agree. Should there be no agreement, the Executor shall divide this property among them in as nearly equal portions as the Executor, in the discretion of the Executor, deems appropriate, having due regard to the personal preferences of the beneficiaries. I I I i I Page 2 ')<-;7;e :I( . . ITEM V: Residue. I give the residue of my estate, not disposed of in the preceding portions of this V\iill, to my children, in equal shares. If any of my children is not living at my death, the share of my deceased child shall be paid to his or her then living issue, per stirpes. ITEM VI: Administrative Powers. In addition to the powers grant~p. at law, the Executor shall possess the following powers, each of which shall be construed broadly and may be exercised without court approval, but in a fiduciary capacity only: (a) To retain any investments I have at my death, including specifically those consisting of stock of any bank even if I have named tha t bank as the Executor. (b) To vary investments and to invest in bonds, stocks, notes, real estate mortgages or other securities or in other property, real or personal, without being restricted to so-called "legal investments", and without being limited by any statute or rule of law regarding investments by fiduciaries. (c) In order to divide the principal of my estate or make distributions, the Executor is authorized to distribute personal property and real property partly or wholly in kind, and to allocate specific assets among beneficiaries so long as the total market value of each share is not affected by the division, distribution or allocation in kind. The Executor is authorized to make, join in and consummate partitions of lands, voluntal'ily or involuntarily, including giving of mutual deeds, or other obligations, with as wide powers as an individual owner in fee simple. Page 3 7J1?( 7f . . Cd) To sell either at public or private sale any or all real or personal property severally or in conjunction with other persons, and to consummate sale(s) by deed(s) or other instrument(s) to the purchaser(s), conveying a fee simple title. No purchaser shall be obligated to see to the application of the purchase money or to make inquiry into the validity of any sale. The Executor is authorized to make, execute, acknowledge and deliver deeds, assignments, options or other writings as necessary or convenient to carry out the powers conferred upon the Executor. (e) To mortgage real estate, and to make leases of real estate. (f) To borrow money from any person, including the Executor, to pay indebtedness of mine or of my estate, expenses of administration or inheritance, legacy, estate and other taxes, and to assign and pledge assets of my estate. (g) To pay all costs, taxes, expenses and charges in connection with the administration of my estate. (h) To make distributions of income and of principal to the proper beneficiaries, during the administration of my estate, with or without court order, in such manner and in such amounts as my Executor deems prudent and appropriate. (i) To exercise voting rights with respect to securities which form a part of my estate, and to exel'cise all the powers incident to fh.e ownership of securities. Page 4 thAf I . . 0) To unite with other owners of propert:y similar to property in my estate to carry out any plans for the reorganization of any company whose securities form a part of my estate. (k) To disclaim any interest in property which would devolve to me or my estate by whatever means, including but not limited to the following means: as beneficiary undel" a will, as an appointee under the exercise of a power of appointm~nt, as a person entitled to take by intestacy, as a donee of an inter vivos transfer, and as a donee under a third-party beneficiary contract. 0) To prepare, execute and file tax returns of any type required by applicable law, and to make all tax elections authorized by law. (m) To allocate administrative expenses to income or to principal, as the Executor deems appropriate. However, no allocation to income shall be made if the effect of the allocation is to cause a reduction in the amount of any estate tax marital deduction or estate tax charitable deduction. (n) To employ custodians of property, investment or business advisors, accountants and attorneys as the Executor deems appropriate, and to compensate these persons from assets of my estate, without affecting the compensation to which the Executor is entitled. (0) To make any adjustment to basis authorized by law, including, but not limited to increasing the basis of any property included in my estate, whether or not passing under this Will, by Page 5 >71K'7f . . allocating any amount by which the bases of assets may be increased. The Executor shall be under no duty and shall not be required to allocate basis increase exclusively, primarily, or at all to assets which pass as part of my probate estate as opposed to other property for which a basis adjustment is allowable. The Executor shall allocate basis increase equitably among those beneficiaries receiving property as a result of my death, but shall notbe liable to any person, nor subject to removal or surcharge, for any reasonable allocation of basis increase. (P) To compromise claims. (q) To do all other acts in the Executor's judgment deemed necessary or desirable for the proper and advantageous management, investment and distribution of the estate. ITEM VII: Beneficiaries Under Ae-e 25. If a beneficiary under the age of twenty-five (25) years is entitled to receive assets under this Will, the surviving parent of the Beneficiary shall receive those assets as Custodian for the beneficiary under the Pennsylvania Uniform Transfers to Minors Act. However, if the Beneficiary is a child of my son, JAMES RICHARDS, then the person who served as Executor of my estate shall retain those assets as Custodian for the beneficiary under the Pennsylvania Uniform Transfers to Minors Act. The Custodian may receive and administer all assets authorized by law, and shall have full authority as provided in the Pennsylvania Uniform Transfers to Minors Act to use assets in the manner the Custodian deems advisable for the best interests of the beneficiary. I also designate the person who served as Executor of my estate as SUccessor Custodian of any property for which I am custodian under any Uniform Gifts to Minors Act or Uniform Transfers to Minors Act. . Page 6 711- r1 . . ITEM 'VIII: Survival. Any person who has died within thirty (30) days of my death, or under such circumstances that the order of Our deaths cannot be established by proof, shall be deemed to have predeceased me. ITEM IX: Executors. I make the fOllowing provisions with respect to Executors: (a) I appoint my son, MARK RI CHARDS, to be the Executor. (b) In the event that my son, MARK RICHARDS, is unable or refuses to serve as Executor, my son, KENNETH RICHARDS, shall serve as Executor. (c) The Executor shall have the right to receive reasonable compensation for services rendered and reimbursement for reasonable expenses. (d) No Executor shall be liable or accountable for any loss that may result from the good faith exercise of the authority granted in this Will. (e) The Executor is specifically relieved from the duty of filing bond or entering security. IN WITNESS WHEREOF, I have set my hand and seal to this, my Last Will and Testament, consisting ofthis and the preceding six (6) pages, at the end of each page of which I have also set my initials for greater security and better identification this l Cl day of ~~~r, , 200~ . ~.~ '/. /~~ lv' RTLE L. RI.. DS (SEAL) . . We, the undersigned, hereby certify that the foregoing vVill was signed, sealed, published and declared by the above-named Testatrix as and for her Last Will and Testament, in the presence of us, who, at her request and in her presence and in the presence of each other, have hereunto set our hands and seals the day and year first above written, and we certify that at the time of the execution thereof, the said Testatrix was of sound and disposing mind and memory. /.) /f I /-/~ .;;-./' 1".,:. ." ." .. '.!,I (;., .../ "',' /. \ _/ (SEAL) Residing at i .i':, "; ,. , , !/:/:' /j.:>.-',-< f..A . Iv/! /r, ~l:.,/:;; l~/.I ,/ -/"/..)? I (SEAL) Residing at ;)<:;<1 ( ~/ ( p," ./lbillJd'7 ~ rY7""cL-9~(s6~ fA I/O~~ ~ C)I . . ACKNO\^lLEDGMENT COMMON~TEALTH OF PENNSYL"VANIA ) () ) 58: COUNTY OF ~~ ) - I, MYRTLE L. RICHARDS, Testatrix, whose name is signed to the attached or foregoing instrument, having been duly qualified according to law, do hereby acknowledge that I signed and executed the instrument as my Last Will and Testament; that I signed it willingly; and that I signed it as my free and voluntary act for the purposes therein expressed. ~L, / TLE L. G RDS (SEAL) Sworn to and subscrib~~ ~e:~r~ l me this I(JH-Lday of ~ , 20D.f. ~u Notary Publi My Commission Expires: (SEAL) COMMONWEALTH OFPENNSVLVANJA NOTARIAL SEAL" " " CYNTHIA J. RULE, NOlary Public Camp ~i11 ~oro.. Cumberland County My CommIssion Expires F~bruary 3, 2008 . . AFFIDA ''I;lIT COMMONWEALTH OF PENNSYLVANIA ) ) SS: COUNTY OF ) We, j.!~ ! i I, rf, I, ,,' ! i and [( \'-. I ..- ! --the Witnesses whose names-are signed to the attached or for.: being duly qualified according to law, do depose and say that we were present and saw Testatrix, MYRTLE L. RICHARDS sign and execute the instrument as her Last Will and Testament; that Testatrix signed willingly and that she executed said Will as her free and voluntary act for the purposes therein expressed; that each of us in the hearing and sight of the Testatrix signed the Will as Witnesses; and that to the best of our knowledge the Testatrix was at that time eighteen (18) or more years of age, of sound mind and under no constraint or undue influence. ..-". i., ii' ' '. i I~ j, -- " / -.... ' - I' j /1 ',,' l /711(1' ,...( . ~it~ess ...;' Sworn to and subscrib~ ~~fore Ii me this tbhdayof ~ ,20hf ~9:U My Commission Expires: (SEAL) COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL . CYNTHIA J, RULE. Notary Public Camp Hill ~ro,. ~umbertandCou~ M CommiSSion Expires February 3. ,-------- . . INRE: ESTATE OF WAYNE E. RICHARDS, Deceased IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA I} NO. 2006-00293 ORPHAN'S COURT DIVISION ORDER AND NOW, this L~tL. day of A "'\),,,.s.-f ,2006, upon consideration of the Motion to Make Rule Absolute submitted by Kenneth W. Richards, personal representative of the Estate of Wayne E. Richards, deceased, and the June 28, 2006 letter from the Pennsylvania Department of Revenue indicating that the Department has no objection to the Petition for Leave to Disclaim of Kenneth W. Richards, or the relief requested therein, IT IS HEREBY ORDERED that the Rule issued upon the Pennsylvania Department of Revenue on June 16, 2006, is hereby made ABSOLUTE and the relief requested in said Petition is GRANTED as follows: A. The Estate of Wayne E. Richards may disclaim all rights in the property of Myrtle L. Richards, more fully described in the Petition For Leave To Disclaim and To Determine The Pennsylvania Inheritance Tax Consequences Thereof (the "Petition") filed by Petitioner, Kenneth W. Richards with this Honorable Court on June 15, 2006. '-', . ~ ~. B. The Estate of Wayne E. Richards may disclaim all .-.-, . . ) interests in the Trust created by the Will of Richard W. Richards, with the distribution thereof to be-- treated as a transfer of property from the Richard W. _- _ '. Richards Trust to the residuary beneficiaries there9.t~s if Wayne E. Richards predeceased Myrtle L. Richards. < _;:~I :-., l :- ~.:;.q ~..:J -- ~~.3 :. ,'- -.. . .' _.~~ . . ::~;; '::::' c C. The effect of the Disclaimer, once properly executed and filed, is such that there shall be no Pennsylvania c . . Inheritance Tax due with respect to the distribution of any property from the trust created under the Will of Richard W. Richards to the residuary beneficiaries thereof (determined as if Wayne E. Richards predeceased Myrtle L. Richards). D. All of the property described in the Petition in which Myrtle L. Richards held an interest shall, after the proper execution and filing of the Disclaimer, be distributed as if Wayne E. Richards predeceased Myrtle L. Richards. E. In furtherance thereof, the Disclaimer and Renunciation constituting Exhibit "I" of the Petition is hereby specifically approved. BY THE COURT: A TR~::..,fE (:~'J:;'.v f' In I V";"",:" ',' .," ,,'c >\'"' ,:;i~:-"t ,.' ~>':"', / ~,~~ r :',' .;' ~,. ~ .~_ ','51~Y)L.~;;}~~? C , !_"t,,!,: ,)i ,.i',.", ' ,~. 1 ":;.Jr.",;-"~":", : '.:.... \l-!O ' p)A- ~ .~,.Dl'(,y r II'.J -':\ .., -. (~J -:. t. ~.\ :'"; '7' .. : '.L~l..: . . ~ !. .'. .. I -. .~ . ,.' .." .... :<'~~:;j3C; c;:<~ ~.'~'~~::..' ~}=, . . Elyse E. Rogers, Esquire Identification No. 41274 Todd F. Truntz, Esquire Identification No. 83302 KEEFER WOOD ALLEN & RAHAL, LLP 415 Fallowfie!d Road, Suite 301 Camp Hill, PA 17011 (717)-612-5800 .. IN RE: ESTATE OF WAYNE E. RICHARDS, Deceased IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 2006-0293 ORPHAN'S COURT DIVISION DISCLAIMER AND RENUNCIATION I, Kenneth W. Richards, Executor of the Estate of Wayne E. Richards, deceased, hereby exercise the rights granted to me in Chapter 62 of the Probate, Estates and Fiduciaries Code, 20 Pa. C.S. SS 6201-6207, and hereby disclaim and renounce the following assets and interests on behalf of the Estate of Wayne E. Richards: A. The interest in tangible personal property, including but not limited to books, pictures, jewelry, silverware, automobiles, wearing apparel and all other articles of personal use or adornment and all policies of insurance thereon pursuant to or as described in - Item IV, Section (b) of the Will of Myrtle L. Richards which would, but for the disclaimer, pass to the Estate of Wayne E. Richards, deceased; B. The one-fifth residuary interest in the residue of the Estate of Myrtle L. Richards, deceased, pursuant to Item V of the Will of Myrtle L. Richards, deceased, which would, but for the disclaimer, pass to the Estate of Wayne E. Richards, deceased; . . C. The 50% survivorship interest of Wayne E. Richards in the real property known as 506 Allenview Drive, Mechanicsburg, Cumberland County, Pennsylvania, Parcel No. 42-28-2423-405, recorded by Deed on December 22, 2004 at Book 266, Page 4268 in the Office of the Recorder of Deeds of Cumberland County which would, but for the disclaimer, pass to the Estate of Wayne E. Richards, deceased; D. The 50% survivorship interest of Wayne E. Richards in the United States Savings Bonds jointly owned with MYrtle L. Richards; and E. The one-fifth remainder interest in the trust established by Item IV, Section (c) of the Will of Richard W. Richards, deceased, which would, but for the disclaimer, pass to the Estate of Wayne E. Richards, deceased. IN WITNESS WHEREOF, and intending to be legally bound hereby, and intending that this Disclaimer and Renunciation shall be filed of record in the Office of the Clerk of the Orphan's Court of the Court of Common Pleas of Cumberland County, Pennsylvania as provided in 20 Pa.C.S. 6204(a), I have hereunto set my hand this l..,n day of ~ ' 2006. ESTATE OF WAYNE E. RICHARDS Byf~-d0 ~ - enneth W. Richards, Executor - 2- . . COMMONWEALTH OF PENNSYLVANIA COUNTY OF . ~ SS On this, the ~ t.tday of ~(2006, before me, a Notary Public, the undersigned officer, personally appeared KENNETH W. RICHARDS, known to me -. (or satisfactorily proven) to be the person whose name is subscribed to the within instrument, and acknowledged that he executed same for the purposes therein contained. IN WITNESS WHEREOF, I hereunto set my hand and notarial seal. ~~ Notary ublic My Commission Expires: (SEAL) COMMONWEA.L TH OF PENNSYLVANIA NOT ARIAL SEAL . CYNTHIA J. RULE, Notary Public Camp Hill 8oro., ~umberland Cou~ I My Commission EXpires February 3, COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE BUREAU OF INDIVIDUAL TAXES DEPT. 2B0601 HARRISBURG. PA 17128-0601 . . RECEIVED FROM: PENNSYLVANIA INHERITANCE AND ESTATE TAX OFFICIAL RECEIPT RICHARDS MARK 1150 QUAIL HOLLOW ROAD HUMMELSTOWN, PA 17036 ACN ASSESSMENT CONTROL NUMBER -------- fold 101 ESTATE INFORMATION: SSN: 200-14-8270 FILE NUMBER: 2106-0041 DECEDENT NAME: RICHARDS MYRTLE L DATE OF PAYMENT: 03/15/2006 POSTMARK DATE: 03/15/2006 COUNTY: CUMBERLAND DATE OF DEATH: 12/16/2005 TOTAL AMOUNT PAID: REMARKS: CHECK#102 SEAL INITIALS: MG RECEIVED BY: REV-1162 EX( 11-96) NO. CD 006434 AMOUNT I I I I I I I I I $47,500.00 $47,500.00 GLENDA FARNER STRASBAUGH REGISTER OF WILLS TAXPAYER COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE BUREAU OF INDIVIDUAL TAXES DEPT. 280601 HARRISBURG, PA 17128-0601 RECEIVED FROM: PENNSYLVANIA INHERITANCE AND ESTATE TAX OFFICIAL RECEIPT ROGERS ELYSE EVELYN ESQUIRE KEEFER WOOD ALLEN & RAHAL 415 FALLOWFILED RD STE 301 CAMP HILL, PA 17011 -------- fold ESTATE INFORMATION: SSN: 200-14-8270 FILE NUMBER: 2106-0041 DECEDENT NAME: RICHARDS MYRTLE L DATE OF PAYMENT: 09/14/2006 POSTMARK DATE: 09/12/2006 COUNTY: CUMBERLAND DATE OF DEATH: 12/16/2005 ACN ASSESSMENT CONTROL NUMBER 101 TOTAL AMOUNT PAID: REMARKS: CHECK#108 SEAL INITIALS: JA RECEIVED BY: REGISTER OF WILLS - REV-1162 EX(11-96) NO. CD 007204 I I I I I I I I I AMOUNT $802.55 $802.55 GLENDA FARNER STRASBAUGH REGISTER OF WILLS Personal Repr~;a;!ve:.o~./J / _ MarkRichard/v(a.vr~ "'8~ Register of Wills of Cumberland County, Pennsylvania INVENTORY Estate of Myrtle L. Richards No. 21-2006-0041 also known as Myrtle Louise Richards Date of Death 12/16/05 Deceased Social Security No. 200-14-8270 Mark Richards Personal Representative(s) of the above Estate, deceased, verify that the items appearing in the following inventory include all of the personal assets wherever situate and all of the real estate in the Commonwealth of Pennsylvania of said Decedent, that the valuation placed opposite each item of said Inventory represents its fair value as of the date of the Decedent's death, and that Decedent owned no real estate outside of the Commonwealth of Pennsylvania except that which appears in a memorandum at the end of this inventory. l!We verify that the statements made in this Inventory are true and correct. l!We understand that false statements herein are made subject to the penalties of 18 Pa, C.S. Section 4904 relating to unswom falsification to authorities. Name of Attorney: Elyse E. Rogers 8.; iJ;: ~\ 41274 415 Fallowfield Road, Suite 301, Camp Hill, PA 17011 Dated: 9 -11-0 ~ I.D. No.: Address Telephone 717-612-5801 DESCRIPTION VALUE See attached sheets. ~ c::;:) = CT\ (/.) rrt -u c=? ('J ~~tJ ~ r 1 ::Co l~ __r-- . - r"o") :0 :..-~, -&:"'" (J 'n -0 ::!:; - )-.:j '> ~ . . o -..I TOTAL $1,074,913.87 (Attach Additional Sheets If Necessary) NOTE: The Memorandum of real estete outside the Commonwealth of Pennsylvania may, at the election of the personal representetive, include the value of each item. but such figures should not be extended into the totel of the Inventory. Form RW-7 (Dauphin County)- Rev. 9/92 \r> ::rJ :::D irI iT1C) C-)C) C):;p ---I CJ : '1 fn :,J.'] 0 ,-) ""',0 , ""T1 ,,,.- -n ::::;;0 ;=: rn (/)0 -f, . ;j RECEIPTS OF PRINCIPAL Estate of Myrtle L. Richards As of 12/16/2005 Assets Listed in Inventory - (Valued as of date of death) Cash on Hand Cash found at Decedent's residence Money Market Accounts Wachovia Money Market Account 7057-3406 $38.68 Accrued Interest Pittsburgh Firefighters Federal Credit Union Fulton Financial 69424817 Money Market Funds Fulton Financial Money Market Account 72F035017 Common Stocks PPL 5,268 Units $1,317.00 Accrued Dividend Emerson Elec Co (Fulton Fin) 60 Units General Electric Co (Fulton Fin) 150 Units L-3 Communications Hldgs Inc. (Fulton Fin) 40 Units Verizon Communications (Fulton Fin) 60 Units Disney Walt Co (Fulton Fin) 125 Units $33.75 Accrued Dividend $ 35,343.61 $ 5,699.98 $ 1,042.15 $ 34,100.23 $ 160,252.56 $ 4,549.50 $ 5,421.00 $ 2,913.80 $ 1,829.40 $ 3,124.38 Page 1 Fiduciary Acquisition Value $ 1,400.00 $ 76,185.97 RECEIPTS OF PRINCIPAL Estate of Myrtle L. Richards As of 12/16/2005 Page 2 Fiduciary Assets Listed in Inventory Acquisition (Valued as of date of death) Value Home Depot Inc. (Fulton Fin) $ 4,259.00 100 Units Lowes Cos Inc (Fulton Fin) $ 3,465.25 50 Units Time Warner Inc. (Fulton Fin) $ 4,521.25 250 Units Coca Cola Co (Fulton Fin) $ 3,100.13 75 Units Colgate Palmolive Co (Fulton Fin) $ 4,520.80 80 Units Pepsico Inc (Fulton Fin) $ 5,122.10 85 Units $22.10 Accrued Dividend BP PLC (Fulton Fin) $ 4,954.50 75 Units Chevron Corp (Fulton Fin) $ 4,374.00 75 Units ConocoPhillips (Fulton Fin) $ 2,901.00 50 Units Schlumberger Ltd (Fulton Fin) $ 5,048.00 50 Units $10.50 Accrued Dividend BB&T Corp (Fulton Fin) $ 4,331.50 100 Units Citigroup Inc (Fulton Fin) $ 6,172.50 125 Units First Horizon Natl Corp $ 4,002.00 100 Units $45.00 Accrued Dividend Greater Bay Bancorp (Fulton Fin) $ 2.691.00 100 Units Astoria Finl Corp (Fulton Fin) $ 4,401.00 150 Units RECEIPTS OF PRINCIPAL Estate of Myrtle L. Richards As of 12/16/2005 Page 3 Fiduciary Assets Listed in Inventory Acquisition (Valued as of date of death) Value Bank of America Corporation (Fulton Fin) $ 6,180.85 130 Units $65.00 Accrued Dividend JP Morgan Chase & Co (Fulton Fin) $ 5,964.00 150 Units New York Cmnty Bancorp Inc. (Fulton Fin) $ 2,143.13 125 Units North Fork Bancorporation NY (Fulton Fin) $ 4,848.38 175 Units PNC Financial Services Group Inc. (Fulton Fin) $ 3,205.75 50 Units Provident Bankshares Corp (Fulton Fin) $ 3,521.00 100 Units Sovereign Bancorp Inc. (Fulton Fin) $ 3,787.88 175 Units US Bancorp Del (Fulton Fin) $ 6,181.00 200 Units Wachovia Corp 2nd New (Fulton Fin) $ 5,395.50 100 Units Webster Finl Corp (Fulton Fin) $ 3,830.80 80 Units Wells Fargo & Co New (Fulton Fin) $ 5,448.08 85 Units Washington Mutual Inc. (Fulton Fin) $ 4,393.50 100 Units Abbott Labs (Fulton Fin) $ 1,993.25 50 Units Amgen Inc. (Fulton Fin) $ 4,761.00 60 Units Glaxosmithkline PLC (Fulton Fin) $ 2,345.41 45 Units $15.98 Accrued Dividend RECEIPTS OF PRINCIPAL Estate of Myrtle L. Richards As of 12/16/2005 Page 4 Fiduciary Assets Listed in Inventory Acquisition (Valued as of date of death) Value Lilly Eli & Co (Fulton Fin) $ 4,256.25 75 Units Pfizer (Fulton Fin) $ 5,683.75 250 Units Teva Pharmaceuticallnds Ltd (Fulton Fin) $ 4,543.00 100 Units Wyeth (Fulton Fin) $ 4,026.60 90 Units Medtronic Inc. (Fulton Fin) $ 4,303.87 75 Units Genentech Inc. (Fulton Fin) $ 7,462.80 80 Units Corning Inc. (Fulton Fin) $ 4,228.00 200 Units Motorola Inc (Fulton Fin) $ 8,493.75 375 Units $15.00 Accrued Dividend Nokia Corp (Fulton Fin) $ 6,960.00 375 Units Qualcomm Inc. (Fulton Fin) $ 5,929.30 130 Units $11.70 Accrued Dividend Microsoft Corp (Fulton Fin) $ 4,041.75 150 Units Cisco Sys Inc. (Fulton Fin) $ 4,410.00 250 Units Intel Corp (Fulton Fin) $ 6,632.50 250 Units $ 376,925.77 Mutual Funds Merrill Lynch Pfd Cap Tr II (Wachovia Securities Account) 1,000 Units $ 26,500.00 . RECEIPTS OF PRINCIPAL Estate of Myrtle L. Richards As of 12/16/2005 Assets Listed in Inventory (Valued as of date of death) Dryden Muni-Florida Series (Wachovia Securities Account) 6,111.964 Units $ 61,364.12 Vanguard Fixed Income Secs Fund 4,873.294 Units $ 47,563.35 VanguardlWellington Fund Inc. 1,712.329 Units $ 54,366.45 Nuveen PA Investment Quality Municipal Fund 2,915 Units $477.48 Accrued Dividend $ 39,713.38 Oppenheimer Balanced A (Fulton Financial - Primevest) 9,038.495 Units $ 122,381.22 Federal Notes and Bonds Federal Home Ln Bks matures 08/18/06 (Fulton Fin.) $ 25,085.16 25,000 Units $276.56 Accrued Interest Federal Home Ln Bks matures 01/26/07 (Fulton Fin) $ 50,114.12 50,000 Units $692.22 Accrued Interest Federal Home Ln Bks matures 02/25/08 (Fulton Fin) $ 49,843.45 50,000 Units $601.25 Accrued Interest Federal Home Ln Bks matures 03/24/2010 (Fulton Fin) $ 49,876.75 50,000 Units $533.00 Accrued Interest US Savings Bond, Series EE L40883224-EE $ 123.40 1 Units $98.40 Accrued Interest US Savings Bonds Series EE owned jointly with decedent's son, Wayne E. Richards Survivorship interest in these bonds are being disclaimed 238 total bonds worth $38,448.80 119 Units $8,199.40 Accrued Interest $ 19,224.40 Page 5 Fiduciary Acquisition Value $ 351,888.52 194,267.28 . RECEIPTS OF PRINCIPAL Estate of Myrtle L. Richards As of 12/16/2005 Assets Listed in Inventory (Valued as of date of death) Residences 506 Allenview Drive, Mechanicsburg, PA 17055 Total value per appraisal $140,000 Survivorship interest disclaimed by Estate of Wayne E. Richards Refunds Highmark Direct Pay Central Region Premium Refund Miscellaneous Property Fulton Financial Advisors Div Check dated 12/16/05 Firemen's Relief Pension Fund Check PA Unclaimed Property - John Hancock demutalization cash Life Insurance John Hancock Policy 35792365 Beneficiary: Estate of Myrtle Richards John Hancock Policy 35792364 Beneficiary: Estate of Myrtle Richards $ $ 2,011.04 180.64 $ 646.00 $ 601.69 $ 601.69 TOTAL INVENTORY Page 6 Fiduciary Acquisition Value $ 70,000.00 $ 205.27 $ 2,837.68 $ 1,203.38 $ 1,074,913.87