HomeMy WebLinkAbout95-06808
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DANIEL P. WILSON and SHARON M,
WILSON, Individually and as Parenls and
Natural Guardians of AMANDA WILSON,
A Minor.
· IN THE COURT OF COMMON PLEAS
· CUMBERLAND COUNTY, PENNSYLVANIA
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· NO,: Q5.l4ffOg cwJ~
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· CIVIL ACTION - LAW
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PlaintiffslPetitioners
v.
DAVID 1. GANTT,
Defendant/Respondent
PETITION TO SETILE THE CLAIM OF A MINOR
The Petitioners, Daniel p, Wilson and Sharon M, Wilson, husband and wife, individually and
as parents and natural guardians of Amanda Wilson, a minor, respectfully represent:
I, The Petitioners, Daniel p, Wilson and Sharon M, Wilson, husband and wife, are the
parents and natural guardians of Amanda Wilson, a minor, The minor Plaintiff, Amanda Wilson.
resides wilh her parents, They have a mailing address of RD#2, Box 116, Milroy, Pennsylvania,
17063,
2, The minor Plaintiff, Amanda Wilson, is currently 12 years old, having been born on
June 15. 1983,
3, The circumstances giving rise to the instant action occurred on January 21, 1995, on
Route 114 West in Silver Spring Township, Cumberland County, Pennsylvania,
4, At that time and place, lhe minor Plaintiff was a back seat passenger in a vehicle
operated by her falher, when the vehicle driven by Defendant, David 1. Gantt lost control on lhe
slipperylicy roadway and crossed into the lane of travel of the Wilson vehicle, A copy of the police
accident report is attached hereto as Exhibit U AU,
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S. On the date of the accidenl, the vehicle driven by Defendant, David J, Gantt, was
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owned by David J. Gantt and David E, Gantt. This vehicle was insured through an automobile policy
issued by the Allstate Insurance Company.
6, As a result of lhe accident. the minor Plaintiff, Amanda Wilson, sustained a head
trauma which included a left maxillary fraclure, fractures of the fronlal sinus area, and some facial
lacerations. She was hospilalized overnight at the Hershey Medical Center. She was intubated
overnight due 10 an episode of vomiting with ailWay compromise. Attached hereto as Exhibit "B"
are copies oflhe pertinent medical records,
7. To settle this claim, the Petitioners, the Respondent and Allstate Insurance Company
have agreed upon the sum of Nine Thousand Five Hundred and 00/100 Dollars ($9.500,OO) for the
settlement oflhe claims of Amanda Wilson, a minor,
8, The Pelitioners believe thaI the settlement enumerated in lhis Petition is fair and
equitable under lhe circumstances and in the best interest of the minor Plainliff. The Pelitioners are
unrepresented. They understand and waive their right 10 obtain counsel to advise lhem regarding the
appropriateness of lhe selllement.
9. The Defendants have offered 10 pay the sum of Nine Thousand Five Hundred and
00/100 Dollars ($9.500,OO) 10ward an amicable solution oflhe claim, and in exchange for Court
approval, a Release of all claims. and a discontinuance of the above-captioned matter, AlIached
hereto as Exhibit "C" is a copy oflhe proposed Release.
10. The Petitioners request thaI the selllement sum of$9.500 be deposited in an account
with lhe Pennsylvania Tuition Account Program which had previously been set up naming the minor
Plaintiff, Amanda Wilson, as the beneliciary, The account number is 0000027979. Attached hereto
as Exhibit "D" are copies of the Statement of Account for Amanda Wilson with lhe Pennsylvania
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Tuition Accounl Program, a brochure describing lhe program, and the minor Plaintilrs most recenl
report card for her first marking period of sevenlh grade,
WHEREFORE, it is respectfully requested lhat this Court enter an Order approving the
foregoing compromise selllement, directing lhe dislribution of proceeds lhereof as set fOrlh above,
authorizing the Pelitioners, upon payment oflhe aforesaid sums, to discontinue the action broughl
and to execute a good and sufficient Release of any and all claims arising from or as a result of the
incident referred to above,
Res ectfully submilled,
By:
Dated: November 30, 1995
606<<
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VERIFICATION
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I, Daniel P. Wilson, individually and as parent and nalural guardian of Amanda Wilson, a
minor, verifY that the averments made in the foregoing document are lrue and correct. I understand
that false statements herein are made subject 10 the penalties of 18 Pa, C,S.A. 4904 relating to
unsworn falsification to authorities.
e P. Wilson
Individually and as parent and
natural guardian of Amanda Wilson,
A Minor
00"'+/15
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60617
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VERIFICATION
I, Sharon M. Wilson, individually and as parent and nalura! guardian of Amanda Wilson. a
minor. veritY that the averments made in lhe foregoing document are true and correct. I undersland
lhat false statements herein are made subjecl to the penalties of 18 Pa, C.S,A, 4904 relating to
unswom falsification to authorities,
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Sharon M, Wilson
Individually and as parent and
natural guardian of Amanda Wilson,
A Minor
Dated: \\- \~-o.,,~
10657
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THIS ACCIDENT OCCURRED ON SROll4 WEST IN THE AREA OF THE INTER
'-- 81 OVERPASS. THIS DAY ROAD CONDITIONS wEREtlET-FROn A W4V... ""un
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CONDITION. THE OVERPASS BRIDGE WAS ICE COVERED. SROU4 IS POSTED
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RAMP. UNIT 1 WAS STOPPED IN THE LEFT LANE. THEY PULLED FROH TH~
TRAFFIC SIGNAL WHEN IT TURNED GREEN. WIT 1 STATED HE FELT THE ICEY
BRIDGE AND SLOWED, LOOKING BACK IN THE MIRROR HE OBSERVED UNIT .I,
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AS WIT 1, UNIT I'S BACK END STAIfTEU TO GO oU'r UN ,\'HK lC~ cuIIERE.. UVDn
INSURANCE COMPANY ULSTArI IHSUIW<<:E COIM'AHY nUl rAIl
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SIDr ("RONT OF UNIT I WITH tKUIiT uFlm 1 'I' ~,
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A~CEtl:RI\TEu 'IU APPRull. ":J I1PJt:-flE:--rRSR-t;OS,.-coNTROC-OF.ll'h I ~ uN"""TI1E-
ICE COVERED OVERPASS, HI> WEN'I' AND CROSSED OVER THE TRAFFIC
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1 STATED HE WAS IN THE LEFT LANE OF SROII. E:AST,
UNIT 2 STATED HE WAS TRAVELING WEST ON SROll., HE WAS IN THE RIGHT
LANE: STOPPED FOR THE TRAFFIC SIGNAL AT SROl14 AND 1-81 NORTH OFF.RAMP.
THB SIGNAL TURNED GREEN & HE PROCEEDBD THROUGH THE INTERSECTION. HC
THEN HADE A LANE CHANGE TO THE LEFT LANE SO HE COULD;ENTER 1-81 SOUTH.
-
HE HAD ACCELERATED TO APPROX. JS HPH, SUDDENLY. UNIT 1 APPEARED
CROSSING THE TRAFFIC BARRIER DIRECTLY INTO HIS PATH. HE STATED UNIT 1
WAS IIROADSIDE. UNIT 2 COULD NOT REACT & STRUCK UNIT I IN TilE
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PASSENGER SIDE FRONT WITH THE FRONT OF UNIT 2,
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INVESTIGATION REVEALED THAT THE BRIDGE WAS ICE COVERED. THE ONLY
SKID HARKS LOCATED WERE FROH UNIT 1 CROSSING OVER THE MEDIAN TRAFF~
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BARRIER. THE SKID HARKS WOULD INDICATE THAT UNIT I WAS SIDEWAYS WHCN
IT CROSSED THE MEDIAN. THE POINT OF IMPACT WAS IN THE LEFT LANE OF
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SROl14 WEST APPROX. 25' PRIOR TO THE BEGINNING OF TH! OVERPASS BRIDGE.
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THE BRIDGE BEFORE CROSSING THE MEDIAN BARRIER, UNIT ;2 CAME Tq REST IN
THE RIGHT WEST BOUND LANE. UNIT 1 CAME TO REST ON THE WEST BOUND
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BOTH UNITS TOWED FROM SCENE BY MILLER r. si\H'i'TOH'iLLER&"SAH"'S'--
SERVICE STATION. BOTH OCCUPANTS OF UNIT I WERE TREATED' RELEASED
FROH 1I0LY SPIRIT HOSPITAL FOR MINOR INJURIES. AMANDA WILSON WAS
TREATED AT POLYCLINIC THEN TRANSFERRED TO HERSHEY HEDICAL CENTER. SHE
WAS REPORTED IN CRITICAL CONDITION. ON 1/22/95 AMANDA'S CONDITION WAS
STABLE. ALLISA LINTHURST WAS TREATED AT POLYCLINIC' IS IN STABLE
CONDITION. SHARON WILSON WAS TREATED' RELEASED FROM POLYCLINIC.
WHILE UNIT I (DRIVER) WAS AT THE HOSPITAL CONSENT WAS GIVEN FOR
BLOOD TO BE DRAWN. I DID DETECT AN ODOR OF ALCOHOLIC BEVERAGES ON
DRIVER'S B~EATH AT THE ACCIDENT SCENE. HE STATED HE .WAS DRINKING BEER
EARLIER; HE STATED HE HAD APPROXIMATELY 3 BEERS AT A BAR IN PERRY
COUNTY,
BLOOD WAS TAKEN TO BE TESTED BY PSP LAB HARRISBURG. ONCE THE
RESULTS ARE KNOWN A SUPPLEMENTAL REPORT WILL BE FILED.
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Th~ Millon S. Her\hey Medical Cenler
p.o. 80X ISO HERSHEY, PENNSYLVANIA 11033
RE: WILSON, Amand.
NARRATIVE SUMMARY
PATIENT NUMBER: 1335280
DATE OF ADMISSION: J.nu.ry 22, 1995 DATE OF DISCHARGE: J.nu.ry 23, 1995
ADMISSION DIAGNOSIS:
1. ~ultiple tr.~.
DISCHARGE DIAGNOSIS:
1. Left maxill.ry fr.cture.
2. Fr.cture of the anterior table of the frontal sinus on the ri9ht.
3. qight eyelid superficfal laceration.
OPERATIONS OR PROCEDURES:
1. CT scan of the head.
2. CT sCln wfth f.cf.l cuts.
8RIEF HISTORY: The patfent fs an ll-year-old white female who w.s fnvolved
fn a motor vehfcle .ccfdent. The patfent was. backseat passenger wfth a lap
belt only when her car T-boned another car which had crossed fnto thefr
lane. The p.tfent was fnftfal'y awake and .lert on arrfv.' at Polyclfnfc
Medical Center. Apparently, the patient ~fted sever.l tfNts at Polyclfnfc
and becaMe apnefc, requfring fntub.tfon there. The patfent received v.rious
radfologfc studfes and was transferred to Hershey Medfcal Center for further
evaluatfon and care.
PHYSICAL EXAMINATION ON ADMISSION: Vftal sfgns: He.rt r.te 119, blood
pressure 139/86, oxygen satur.tfon 1001 on ..chanfcal ventflator. HEENT
examfnatfon: There was a laceration of the left eyelfd approxfllltelY
3-4 01, whfch was sterf-stripped on arrival f~ Polyclinfc Medfc.l Center.
Extraocular 8Otfons were fntact. The pupfls were 4 _. equ.' .nd reacthe to
lfght bflatel'llly. . ThI... WIS perforbftal swell fng of the len Qe. The
tynlpanfc 1IIIIbI'ln..... tile right WIS clear. The tyIIpanfc IIIIlIbl'lne on the left
was not visualfzed due to ceruM8n. The Mfd f.ce w.s stable. The IIIndfble
WIS stable as well. TtIe patfent had .n endotracheal tube fn place. Neck:
There WIS no obvfous step-off 01' fracture. Chest: Clear to ,uscultatfon
bflaterally without evidence of wheezes. I'.les. or rhonchf. There WIS no
. evfdence of external tl'.... to the chest. B.ck: No obvious frectures 01'
step-offs. Heart: RegulaI' rate and rl1Yt. with no "nIUl'S. AbcIOII8n:
Nondistended with ne.-l bowel sounds. Rectal: Nonul tone .nd
hetIe-neg.the stool. Pelvis: Bflateral eccl1Y8Oses of the .nterior superior
flfac spine consistent wfth seatbelt fnjury. Otherwfse. the pelviS was
stable. Extrellftfes: Good distal pulses fn the uppel' and 10.1' extrellftfes
bflaterally. Neurologfc ex..: The p.tfent was fntubated; howevel'. she was
.wake and alert .nd responsfve to various questfons. Hel' 8Otor exufnation
WIS wfthfn nol'llll If.1ts and there were no sensory deffcfts noted.
LABS ON ADMISSION: Whfte blood cell count 16. hetIoglobfn 13.2. helIatocrit
38, platelet count 308. Sodfu. 140. pot.ssfu. 2.8. chloride lOS, bic.rbonate
23, BUN 7 .nd creatinfne 0.5. glucose 217. ~1ase 37. total bflfrubfn 0.7. ~..
alkalfne phosphatase 199. AST 52. ~~.
tQU.IA.~'''''''''TMAC'nQIIlIUII'\O'rU ~ V
PENNSTATE
., CullCLlC ul' Mcdidnc
Uniwr\ily Hospilal.ChihJrlln:, Hmpilal
Thc Millon S. Hershey Medical Cc:nler
P.O. lOX ISO HERSHEY. PENNSYLVANIA 17033
'I
II
'1
II
~ARRATIVE SUMMARY
PATIENT NUMlER:
1335280
RE: WILSON, Amanda
Page 2
Plain filM chest x-ray revealed no evfdence of obvfous trluma. Thlre was no
pneumothorax noted. The C-spfne had no evfdence of dislocation or fracture.
The pelvis had no evfdence of dfslocatlon or fracture. CT scan of the head
revealed no brain Injury; however, there was a left Mlxlllary fracture noted
and a fracture of the anterior table of the frontal sinus on the right. CT
scan of the abdomen revealed no fntra-abdOMlnal Injury.
HOSPITAL COURSE: The patient was evaluated fn the trlunl bay fnftlally.
After receiving the above .entioned studies, she was transferred up to the
Pedfatrfc Intensive Care Unit for further care. The patient had a relatively
unremarkable hospital course. The patient resafned fntubated and ventflated
overnfght secondar,y to vomftlng and questfon of aspfratlon and not befng able
to protect hiI' afrway. The patfent was extubated the following MOrning
wfthout dlfffculty and Mafntafned her saturatfons well on roOM afro T~e
patient was then started on a clear Hquld dfet later that day. By the
second hospital day the patfent was toleratfng a regular dfet and was
ambUlatory wfthout dffficulty. There is no further therapy requfred for the
patfent's facfal fractures. The patfent was stlble for dfscharge on the
second hospftal day, 1/23/95.
DISCHARGE MEDICATIONS: Tylenol as needed for pafn.
The patfent will follow up fn the Plastfc Surger,y Clfnfc wfth Dr. Banduccf fn
two weeks. The patient wf11 also follow up wfth her local pedfatricfan later
this week. She will follow up with Pedfatric Surgery IS needed only.
DICTATED BY: ATTENDING PHYSICIAN:
.
(
.
Steven Zgl.szewskf, M.D.
SZ:sdu D: 1/23/95 T: cn/23/95 ID: 843(20-21)
cc: Patrick Allende,., M.D.. Getsfnger Medfcal Group of Lewistown. 300
HI ghland Ave.. Lewf stown, PA 17044
ICIUA4~""""'TPw'I&C""'~O't'U1
,.A(;.., i
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PENNSTATE'
., ..._.I...II.,'....I\I.-.J~".., --.
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-
TRAUMA HISTORY AND PHYSICAL EXAMINATION
'" 'I \? ZU
I . ~ : J
'" ., ,n I
-
Amnesll' 0 Yes 0 No O?
Prlmlry SUrYI,
AlIWIy: 0 PSlent 0 Obstructed
Bru'h,"O .:1 A 6
CorcullllOn BP ""'" P ':b Oz 511 lOb
U'SoIbil'ly 0 VClC.II 0 PJIRlul 0 UnresponslVf
(_potur. J.;.<.
PrOUdults 0 NG. Tullt "":~IJt 1v1,
o A.hllt:
Chesllullt: 0 nohl 0 left
OOPl.
Secondlry SUrYe, VilJls: Temp:
HEENT Head ~ C"~' ,.
Eyes Pupils L (!OIOI(
Eal1 TM's "-;.:a Sante's
Face MlllillaIMandible ~
Nose
Time 01 Arnvallo E.R.:
Trlle 01 Trluml
pl.MVA Sealbell?lil' Yes 0 No 0 Pedestrian
o Airbag 0 Slab 0 Assaull
o Fall 0 Burn 0 Eleclrical
o GSW 0 Dlher:
Fllld Rllulclllllon
Airway:
Field Vilals: BP:
loss 01 Consciousness' 0 Yes 0 No Immobilizalion:
Trluml Hlatory
Intu~led, [70T 0 NT 0 Trsch AlItrO," fJ~o"
MedS
.(
" III' t; , '1..
o ~"I '7~
IV'S:
P:
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PMH
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last MUl: tli..' (
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MA HISTORY AND PHYSICAL EXAMINAnON
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TRAUMA HISTORY AND PHYSICAL EXAMINA1ION
Slcondl'" SUIYIV IlIlII.1
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SlIOulda, A I L
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TRAUMA HISTORY AND PHYSICAL EXAMINATlON
GII.gow Coma Selll
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t 'Nona
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X Localllt. Pain
C)DbIyI _
TOIIl: Is
Trauml Score
All', IIatI .IP
0.0 0.0
1.1.9 1'~9
2 . .36 2 . 50-69
3 .25-35 3-711-90
4 . 10.24 4 ' .90
oca
1.3-4
2.5-7
3-1'10
4.11-13
5.14.15
TOIIl:
~
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lOP .. 00 C')
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REASON FOR REOUEST
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REaUESTING PHYSICAN'S SIGNATURE
PLACE OF CONSULTATION
o BEOSIOE 0 OTHER
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o EMERGENCY
,
I
(
CONSULTATION REPORT l I
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CONS LTATION REPORT
SIGNATURE OF NsULTANT
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ICONSU~ '"N''' SIGN"'UA. ,",un ""I"A AT INO 0' A.'OATI
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.- (.'"II..t III' Mt~'.''''
L'nl\t"'ly HII\pll~I' Ch.I~~n" Hu\pilal
The M.lllln S H.,\hty Mt~I.~1 Ctnltr
33~2~8 ~a22 335280
',..L:;', &"'~
. . : . . ". .. . 7: .
CONSULTATION REPORT
~ ~ :..
.
.
~I1.S
FROM
fC.fJr.
DATE OF REOUEST TIME OF REOUEST
TO
.lo'
p'
REASON FOR REQUEST
PROVISIONAL DIAGNOSIS
ACE OF CONSULTATION
o BEDSIDE 0 OTHER
o ROUTINE
o EMERGENCY
PAGE J
(
CONSULTATION REPORT
l' 1/ '1.() w~ jJ f4,f/'4 '" ff"":'
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1
.
I{
P.ENN5.w.E
., College of Medicine
Unlvenily Hospil31.Children's Hospital
The Mihon S. Hershey Medical Cenler
P.O. lOX ISO HERSHEY, PENNSYLVANIA 17033
.rt J..~O
_ 1/21/95 ~ ~ '5
PEDIATRIC SURGERY ADMISSION NOTE
~
PATIENT NAME: WILSON, Amanda PATIENT NUMBER: '330248
This ll-year-old f..ale was the rear seat belted passenger fn a car Involved
in a IOtor vehicle accfdent. She was Inftfal'y evaluated at Polyclinic
Medfcal Center and had evfdence of head trau.a and had an episode of vOlltlng
wfth af rway compl"Olllse requi 1'1 ng f ntubltion. She was transferred to The
Milton S. Hershey Medical Center for treatment. On arrival, she was intubated
with obvfous signs of head and facfal trau.. on the left. She CI.. with a
heed CT scan which deIonstrated sinus fractures wfthout slgnlffcant
Intracranial fnjury.
Her catalog of Injuries Includes:
1. Closed head fnjul')'. She has been seen by Neurosurgery. She is behaving
approprfately whfle intubated and is able to write notes to her parents.
2. Sfnus fractures. She has been seen by Plastfc Surge!')' and no operative
treatllent for this is requf red.
She is acllllftted intubated ovemfght to, the Pedfatrfc Intensive Care Unit. Our
plan is for extubatfon tOlOrrow. Thfs plan has been dfscussed with her
'lIIfly,
~'BY:
R~Cf11~, M.D.
RC:eep D: 01/24/95 T: 01/24/95 10: 2204(4)
..
. ,..~
.
I
.
IOUM. ~IAIftIlIII""" ACTIOII QIIIlLO......
J~N ~ '1 1995
\'
Jrt:1t!5'~
PENNSTATE
., Collelle of Medi~lIle
Univenily Hospilal' Children', HOlpilal
The Millon S. Henho:y :\Iedkal Cenler
00335280
19B-012295
WILSON,AMANDA R
15-Jun-83
EMER
2
RoItJllIlll~~ '"",\1\,'''''
I'll II", ,,~t1
"~hhl.'~. "to'nn,~h.I"I" 1'lIt.1
Date of Exam: 22-Jan-95
KYM A SALNESS MO
EMERGENCY
liMe, .. .....
Exam: CT ORB/SELLA PIF UNENH-PED
CT FACIAL BONES
CLINICAL HISTORY: MVA.
TECHNIQUE: 3/3 mm axial sections through the facial bones.
DISCUSSION: There are several fractures of the frontal sinuses, on
both sides, with at least one depressed fragment. The posterior
wall of the right frontal sinus is fractured, i.e. the fracture
extends into the anterior cranial fossa. The fractures extend into
the roof of both orbits, greater on the left.
There is a fracture of the left lamina papyracea.
There is a fracture of the right nasal bone, without significant
displacement. An additional lucency is present in the right
superior alveolar process, which may represent an additional but
undisplaced fracture.
Material of soft tissue density is present in the frontal sinuses,
both maxillary sinuses, greater on the right, and in the right
sphenoid sinus. A skull base fracture is not identified.
IMPRESSION:
1. Comminuted fractures of the frontal sinuses, extending into
both orbits and into the anterior cranial fossa on the right.
2. Fracture of the left lamina papyracea.
Reviewed & Signed: SIMON WESTAOOTT,M.D.
SW/rv
I
.
(
.
DICTATED: 22-Jan-95 TRANSCRIBED: 23-Jan-95 SIGNED: 27-Jan-95
An Equal Opponunlly U...cnlly
I
PENNSTATE
., CoUele or Medicine
Uni\C:r1il~ Hospital' Children', Hospilal
The \lilhlll S. Henhey Melli,:al Ccnltr
0033S:280
19A-01:2:29S
WILSON, AMANDA R
lS-Jun-83
EMER
:2
R.h.h"ht.~ '\.:r\ h,'-:'
P II n", ~~n
H\'hhto'\. P.."nn,\I'.lnIJ 17f1.'.'
Date of Exam: :2:2-Jan-9S
KYM A SALNESS MD
EMERGENCY
IIMC, .. .....
Exam: CT HEAD UNENHANCED-PED
CT HEAD
CLINICAL HISTORY: MVA.
PROCEDURE: Standard unenhanced head.
DISCUSSION: The brain and ventricles are normal. No extra-axial
hematoma is present.
No vault fracture is identified on bony settings. There is
evidence of facial trauma, however (see separate report).
IMPRESSION:
There is no significant brain injury.
Reviewed & Signed: SIMON WESTAOOTT,M.D.
SW/dmd
,
I
(
.
DICTATED: 22-Jan-9S TRANSCRIBED: 23-Jan-95 SIGNED: 27-Jan-95
An Equal OppoIluollY lIoi..nory
II
PENNSTATE
., ColICIIC of Mcdklne
UnI'Cr\ll) Hll\pil3l' Chlldrcn'\ HOlpilal
Thc \lilllln S. Htrlhty Medk31 Ccnlcr
00335280
158-012295
WILSON,AMANDA R
15-Jun-B3
EMER
M...JII.I.,~~ -;""\I~""
I'n R,I\l(CII
",,'r,hl:~ 1\,"1U'~ h .UII.. 1"1111
Date of Exam: 22-Jan-95
KYM A SALNESS MD
EMERGENCY
HMC, .. .....
Exam: OX C-SPINE 2-3 VIEWS - XTAB, AP ,
Exam: OX PELVIS 1-2 VIEWS - AP , SUPINE,
Exam: OX CHEST 1 VIEW - AP , SUPINE,
Exam: OX SKULL 1-3 VIEWS - AP , XTAB,
MULTIPLE FILMS
DISCUSSION - CERVICAL SPINE: C1 to the C7-T1 region have been
shown on the lateral view. No fracture or dislocation is
identified. Vertebral alignment is normal. An endotracheal tube
and nasogatric tube are present.
CHEST AP: Minor linear atelectasis is present in the right mid
zone. The left lung is clear. No pneumothorax is identified. An
endotracheal tube is present, with the tip at the level of the
medial ends of the clavicles. A nasogastric tube is present, with
the tip projected over the stomach.
PELVIS: The film is underpenetrated and a fracture cannot be ruled
out. Contrast is present in the bowel and bladder, presumably from
a recent CT.
!
!
SKULL: Facial fractures are identified (see separate CT report).
Air fluid levels are present in the maxillary sinuses and one of
the sphenoid sinuses on the lateral view.
IMPRESSION:
1. Evidence of facial fractures. A skull base fracture cannot be
ruled out on the available skull films.
2. Normal cervical spine, unremarkable chest.
3. Non-diagnostic pelvic film.
sfl/rv
Reviewed & Signed: SIMON WESTACOTT,M.D.
DICTATED:
TRANSCRIBED: 23-Jan-95 SIGNED: 27-Jan-95
An Equal Opponuniry Un.,"c",ry
v
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DISPOSITION OF BELONGINGS: 0 Transferred with p.lient 0 GIven ta Family
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Transler Nurse:
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CONSENT TO ADMINISTRATION OF BLOOD AND BLOOD COMPONENTS
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lulhOriZed representllive Icllng on blhlll of
hlreby Icllnowledgl thlt Dr.
hu Informed ml Ihll I blood or blood compenlntlren.fullon II or mlY bl medically Indicated In my CUI. Thl phYllciln hu dncrlbld 10
mlthl pellnllllly dlngeroul rilkllnd COnHqulnCH oflcelpllng thl blood or blood compenlnttrenlfullon. u will U Ihl rilkJ Ind
conllClUlllClS of refullng 10 acelPlthl blood or blood componlnt Idmlnlllretlon.
I acknowlldge thai I ha.e authorized and consented 10 receipl 01 I bloocllrlnsluslon or blood compenentadmlnistlltlon II medically
Indicated.
PaUenrl 61gNllure
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Plllentll a Minor:
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oblalnlng Informed consenL
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~ DEPARTMENT OF RADIOLOGY
~~lInlc alOIN Tl<IRDST
I~~.........u.. HARRISBURQ PA 11110
SOCIAL SECURITY NO, DATE
~f3j33367M 01/23/9S cIVI510NOFC.T. IMAGING
WILSON. AMANDA
, STREET
RD 2 BOX 116
CITY STATE ZIP
MILROV PA 17063
AGE LOCATION
11 V ER
PHYSICIAN
~~~g~~bD~r:SOCIATES
704S0-0/74160-0/70001-5/7000e-3
TERMINOLOGY.
CT SCAN OF BRAIN / CERVIAL SPINE 1 ABDOMEN
DATE OF SERVICE:
01/21/95
HISTORVI l1-VEAR-OLD FEMALE IN MOTOR VEHICLE ACCIDENT.
CT BRAIN
DIAONOSISI
FRACTURE THROUGH THE FRONTAL SINUS WITH SMALL COLLECTIONS OF AIR
WITHIN THE BRAIN. INCLUDING THE INTERHEMISPHERIC FISSURE, BOTH
SVLVIAN FISSURES. AND WITHIN THE SULCI OVER THE CONVEXITY. LOW
ATTENUATION RIGHT FRONTAL LOBE. POSSIBLY FRONTAL LOBE CONTUSION,
BUT INFARCT NOT EXCLUDED. PROBABLE FRACTURES THROUGH THE ETHMOID
AND MAXILLARV SINUSES.
COMMENT!
5 MM TRANSAXIAL SECTIONS WERE TAKEN THROUGH THE POSTERIOR FOSSA WITH
10 MM TRANSAXIAL SECTIONS THROUGH THE BRAIN ABOVE THE TENTORIUM.
THERE IS A COLLECTION OF AIR OVER THE LEFT FRONTAL BONE JUST ABOVE
THE ORBIT AND OVER THE LEFT FRONTAL SINUS. THERE IS ALSO AIR
ANTERIOR TO THE LEFT GLOBE. WHICH IS EXTRACONAL. THERE IS A SMALL
AMOUNT OF AIR ANTERIOR TO ,THE RIGHT GLOBE UNDER THE EVELID. WHICH IS
NOT NECESSARILV ABNORMAL\ A FRACTURE OF THE FRONTAL BONE IS PRESENT
WHICH INVOLVES THE LEFT FRONTAL SINUS. THERE IS ALSO AIR WITHI~ THE
BRAIN WITH SMALL COLLECTIONS WITHIN THE INTERHEMISPHERIC FISSURE.
SYLVIAN FISSURES.\AND WITHIN THE SULCI OVER THE CONVEXITIES. THIS
INDICATES A FRACTURE INVOLVING BOTH THE INNER AND OUTER TABLES
THROUGH THE FRONTAL SINUS. IN ADDITION. THERE IS MUCOPERIOSTEAL
THICKENING WITHIN BOTH ETHMOID SINUSES AND THERE ARE AIR-FLUID LEVELS
WITHIN BOTH MAXILLARY SINUSES. GREATER ON THE RIGHT THAN THE LEFT.
CONTINUED NEXT PAGE
DIVISION OF C.T. IMAGING
IR-?77~""1 .IAN ?~. 199!,,; \11\\
l(
r.nN~ll1 TATlnN I=lFPnPT nFPAI=lT:l.'F~IT OF RAD'nu)(W
~1~ipN. AMANDA
~Hv 2 BOX 116
MILROV
~(JIO LOCATION
11 V ER
PHYSICIAN
EMERGENCY ASSOCIATES
?flOCEDURE CODES,
70450-0/74160-0/70001-5/7000a-3
TERMINOLOGY:
CT SCAN OF BRAIN 1 CERVIAL SPINE 1 ABDOMEN
DATE OF SERVICE:
(
~ DEPARTMENT OF RADIOLOGY
~rllnlc HOI~ THIAoar
I~~_.,......' HARRISBURQ.,. '7'10
SOCIAL SECURITY NO DATE
a00233367M Ol/23/9S OIVISIONOFC. T. IMAGING
NAME
STATE ZIP
PA 17063
01121/95
CONTINUED - CT BRAIN - PAGE 2 OF 3
I DO NOT DEFINITELV IDENTIFV FRACTURES THROUGH THE ETHMOID OR
MAXILLARV SINUSES. BUT I SUSPECT THAT THEV ARE PRESENT. I WOULD NOTE
THAT SCANNING WAS NOT PERFORMED TO EVALUATE THESE REGIONS BUT WAS
DONE TO EVALUATE THE BRAIN. THERE IS A LARGE AREA OF LOW ATTENUATION
SEEN WITHIN THE RIGHT FRONTAL LOBE. I DO NOT DEFINITELV IDENTIFV ANV
HEMORRHAGE IN THIS REGION. THIS MAV REPRESENT A PARENCHVMAL
CONTUSION. BUT THE POSSIBILITY OF INFARCT WOULD NOT BE ENTIRELV
EXCLUDED I HOWEVER. GIVEN THE HISTORY. CONTUSION WOULD BE MORE LIKELV.
THE VENTRICLES. SULCI. AND CISTERNS ARE WITHIN THE RANGE OF NORMAL IN
SIZE AND THERE IS NO SHIFT OF THE MIDLINE OR HERNIATION. NO OTHER
ABNORMALITV OF THE BRAIN IS SEEN.
CT SCAN OF UPPER CERVICAL SPINE
DIAGNOSISI
NO FRACTURE AT THE Cl-2 LEVEL.
COMMENTI
AN ORAL AIRWAY AS WELL AS A NASOGASTRIC TUBE AND ENDOTRACHEAL TUBE
ARE PRESENT. THIN SECTIONS ARE TAKEN THROUGH C1 AND C2. THE '
ODONTOID PROCESS IS UNREMARKABLE. THE RING OF C1 IS INTACT. AS IS
THE RING OF C2.' NO FRACTURES ARE IDENTIFIED. NO DEFINITE SOFT
TISSUE SWELLING IS SEEN. BUT THE AIRWAV DOES NOT CONTAIN AIR AND MAV
BE COMPRESSED BV EDEMA OR FILLED WITH MUCUS OR OTHER MATERIAL.
CONTINUED NEXT PAGE
DIVISION OF C.T. IMAGING
~-~77'36 t ) 'nN 2'. 1'~9~ 11 . 11 ~
(':aNSUL TATlON REPORT DEPARTMENT OF R.6.DIOLOGY
.
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I~ .1!:....., ....... HARRISBURG PA 17110
SOCIAL SECURITY NO DArE
~29t3336711 01/23/95 DIVISIONOFC. T. II1AOING
~lk~.pN. AMANDA
RD 2 BOX 116
::ITY STATE ZIP
MILROY PA 17063
AGE LOCATION
DEPARTMENT OF RADIOLOGY
11 Y ER
PHYSICIAN
~~~gj~~bDf~SOCIATES
?fRt~~L8{14160-0/70001-5/7000a-3
~ITE%~~~RV9~;BRAIN 1 CERVIAL SPINE I ABDOI1EN
01/21/95
CONTINUED - CT ABDOMEN - PAGE 3 OF 3
CT ABDOMEN
DIAGNOSISI
SPLENOMEGALY.
COMMENT!
10 MM TRANSAXIAL SECTIONS WERE TAKEN THROUGH THE ABDOMEN AT 10 MM
INCREMENTS TO THE BOTTOM OF THE KIDNEYS AND THEN SCANNING IS
CONTINUED THROUGH THE LOWER ABDOMEN AND PELVIS AT 13 MM INCREMENTS.
THE SPLEEN IS MILDLY ENLARGED. NO OTHER ABNORMALITY OF THE SPLEEN
IS SEEN. THE LIVER AND PANCREAS ARE UNREMARKABLE. THE KIDNEYS ARE
NORMAL IN APPEARANCE. THERE IS NO FREE FLUID WITHIN THE ABDOMEN
AND NO FREE INTRAPERITONEAL AIR IS IDENTIFIED. NO ABNORMALITY OF
THE BOWEL IS SEEN. A FOLEY CATHETER IS PRESENT WITHIN THE BLADDER
AND THERE IS NO EXTRAVASATION OF CONTRAST FROM THE BLADDER. THERE
IS A SMALL DENSITY IN THE RIGHT LOWER LOBE OF THE LUNG ADJACENT TO
THE DOME OF THE LIVER WHICH COULD REPRESENT A SMALL PARENCHYMAL SCAR.
. OI\rvD'
o. D. M. BROCKMtl'L..E, M.D. (87)
DMS/.JEEr
.
DIVISION OF C.T. IMAGINO
I R-?77':'1AA I ,IAN ?~. Iq9~ 1II11
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GENERAL RELEASE
FOR AND IN CONSIDERA nON OF lhe payment to us of the sum of Nine Thousand Five
Hundred and 00/100 Dollars (59.500.00). and olher good and valuable consideration. we, being of
lawful agc. have released and discharged. and by lhese presenls do for ourselves. our heirs. executors.
adminislrators and assigns. release. acquil and forever discharge DAVID J. GANTT, DAVID E.
GANTT and ALLSTATE INSURANCE COMPANY and any and all olher persons. finns and
corporalions. of and from any and all past. presenl and future aClions. causes of action. claims.
demands, damages. COsls, 1055 of services. expenses. compensalion, third party actions. suils at law
or in equily, including claims or suits for conlribution and/or indemnity. ofwhalever way growing
oul of any and all personal injuries, and property damage resulling or 10 resull from lhe automobile
accidenllhal occurred on oraboul Janulll}' 21, 1995. on Roule 114 West in Silver Spring Township.
Cumberland County. Pennsylvania.
We hereby declare and represenl thallhe injuries sustained may be pennanent and progressive
and that recovery lherefrom is uncertain and indelinite. and in making this Release and agreement.
it is underslood and agreed thaI we rely wholly upon our own judgmenl, belief and knowledge oflhe
nalure. extent and duralion of said injuries.
We understand lhat lhis settlement is thc compromise of a doubtful and dispuled claim, and
that lhe payment is not 10 be construed as an admission of liability on lhe part oflhe persons, linns
and corporations hereby released by whom Iiabilily is expressly denied.
It is underslood and agreed lhal this Release is executed in connection wilh the selllemenl of
the claims of the undersigned as sel forth in a Civil Action enlered 10 No. in lhe
(SEAL)
.
.
Court of Common Pleas of Cumberland counly. Pennsylvania. which action is 10 be marked as
discontinued. setded and withdrawn.
IN WITNESS WHEREOF. we have hereunto set our hands and seals this _ dlY of
. 199-, intending to be legally bound hereby.
WITNESS:
Daniel p, Wilson
Individually and as Pareol and Natural Guardian of
Amanda Wilson. A Minor
(SEAL)
Sharon M. Wilson
Individually and as Parent and NaMal Guardian of
Amanda Wilson. A Minor
(SEAL)
.
.
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF
SS:
On this _ day of . 199_. before me personally appeared Daniel P. Wilson.
known to me to be the person whose name is subscribed to lhe foregoing Release and acknowledged
lhal he execuled the same for lhe purposes lherein contained.
IN WITNESS WHEREOF. I have hereunlo sel my hand and official seal.
NOlary Public
.
.
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF
SS:
On this _ day of . 199-, before me personally appeared Sharon M. Wilson.
known 10 me 10 be lhe person whose name is subscribed 10 the foregoing Release and acknowledged
thaI she executed lhe same for the purposes therein contained.
IN WITNESS WHEREOF. I ha\'e hereunto set my hand and official seal.
NOlary Public
(SEAL)
_2
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PENNS~LVA~IA TUITION ACCOUNT PROoa!.
Commonweolth of Pennsylvania '1,
Catherine Boker Knoll, Treasurer "\1'
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STATEMENT OF ACCOUNT
STATEMENT FROMI 01-01-95
TO. 06-30-95 PAGE
DAN I EL P WI LSON
R D 2 BDX \16
1\1 LRDY PA 17063
BBNEFICIARYI AI\ANDA R WILSDN ,~",
ACCOUNT NOI 0000027979
START DATEI 09-01-2001
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SCHOOLI STATE RELATED UNIVERSITY
CODBI 12999 ':
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STATUS. RESIDENT
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TAP CREDIT RATEI 233.00 UNIT RATEIl1l20lh of I credit) l' .65
~.
DATE ACTnnTY
TOTAL PREVIDUS ACTIVITY,
THIS PERIOD'S ACTIVITYI
01-19-95 PAYI\ENT
TOTAL THIS PERIDDI
AMOUNT
200.00
RATE
CRBDITS
o
200.00
233.00
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COMMONWEALTH OF PENNSVLVANIA
GOVERNOR'S OFFICE
HARRISBURG
Good advice and good
intenlions don'l create an effeclive
college fund. lhough, Sound
inveSlmenls do.
Dear Fellow Pennsylvanians:
One thing lhal worries parents more lhan IOOay'scost of higher education is tomorrow's price lag,
Indeed, lhe handbooks on parenting and personal finance are filled with good advice aboulthe need 10
sel aside regularly for fUlure college and universily expenses,
The Tuilion Accounl
Program offers a way for parenls
and grandparen15, from virtually
all income levels. 10 purchase lu-
ilion credi15 IOOay for use in lhe
fUlUre al a hosl of Pennsylvania
colleges and universilies,
I can think of no more prudent and scnsible investmenlthan higher educalion for our children.
lhe leadcrs of the 21 st century.
And thaI's why I'm pleased
to have signed legislalion supported
by both parlies in the General
Assembly creating the Tuilion
Account Program in the office of
Stale Treasurer Catherine Baker
Knoll.
()~:?
Robert p, Casey
Governor
COMMONWEALTH OF I'ENNSVLVANIA
HARRISBURG
Dear Fellow Pennsylvanians:
Today is not a momenlloo soon 10 stan planning for the educational fulure of our children.
Higher educalion is imponanl in helping our youth acquire the knowledge they need to meet the
challenges of our changing socielY, Wilh lhis in mind. we are delighted 10 announce lhe Tuition Accounl
Program,
We recognize lhat
Pennsylvaoians are very concerned
about lhe cosl of providing lheir
children with the opponunity of a
higher education, The Tuilion
Accounl Program is a pan of the
solulion to Ihe growing problem of
meeting lhis expense in an
affordable manner, This program
provides lhe f1exibilily of
prepaying tuition by purchasing
luition credils now to be used al a
later date, II is designed so people
from all income levels can
panicipate, II is intended 10 help
make lhe hopes and dreams of more
Pennsylvania children an
accessible realilY,
Our youlh are our future. We depend on their success. II is our honor 10 orfer you a realistic plan
10 help them receive the education lhey need to reach their full potenlial.
~L
Roben C, Jubel
Slate Senator
(!~
Catherine Baker Knoll
Slale Treasurer
reparing or colleg
· The Tuition Account Program is designed to provide for the advance
purchase of college tuition credits in order to assist families of all income
levels planning for the future educational expense of their children.
· Tuition rates for colleges in
Pennsylvania and across
America have been rising at a
rate al most Iwice that of national
inflation and will continue to
increase considerably in the
future, To better prepare for this
expense, smart parents and
grandparents need to begin
planning as soon as possible,
Establishing a pre-paid tuition
plan can keep your family one
step ahead,
· The pre-payment of college
tuition is an essential
investment in your child's
future, You can assure that
sufficient Tuition Credits will
be available when your child is
ready for college.
Increasing Tuition Coslln Pennsylvania
11000
11000
17((lO
$6000
"000
$<000
1>000
$>000
IUICIO
10
I"'
19lH
''''
1997
"'"
· This Program guarantees that credits purchased today will retain
their value for the Pennsylvania community college, state college
or university you have selected.
he Progra
. Individuals can purchase 'fuition Credits in any amount, and as often
as they wish, without any further obligation to purchase additional
'fuition Credits. 'fuition Credit prices will be set annually, based on an
actuarial assessment that will include current tuition rates, projected
tuition inflation and the earnings of the Fund.
· The Pennsylvania
Tuition Account Program is
a plan that allows you to
"lock-in" tomorrow's
tuition costs today for
your children. It helps
make a child's continuing
education affordable.
. The Tuition Account
Program provides an edge
against inflation by paying for
future tuition today.
. You can participate in the Program by purchasing Tuition Account Program
Credits, A "'fuition Credit" is equal toone-twenty-fourth (1/24) of the annual
tuition at member colleges and universities for full-time undergraduate
students, For community colleges one credit hour is equal to one Tuition
Credit.
. .. - --. --.. --:-.
· The Tuition Account Program will allow for the partial payment of Tuition
Credits to assist in personal budgeting. These partial payments are called
"Thition Units." Twenty (20) Tuition Units equal one (I) Tuition Credit. For
example, if a college Tuition Credit costs $100, you would be able to purchase
a Tuition Unit for $5. Tuition Units make paying for college easy and
affordable. The minimum payment is one (1) Tuition Unit.
. You may purchase Tuition Credits or Tuition Units as frequently as you
choose. Your payments may be weekly, biweekly, monthly, annually or vary
as you like. This is NOT a mortgage type contract.
· Tuition Credit prices will be set annually based on current tuition prices,
expected tuition inflation and the expected earnings of the Fund. An actuarial
study will be conducted annually to determine the soundness of the Fund.
· Tuition Credits can
be purchased for a
specific school, or at
a standard rate. Tuition
Credits may be
purchased at either the
resident or non-resident
rate, Community
colleges will also have a
third Tuition Credit price
for in-state but out-of-
district students.
· When schools change their tuition, the price of the Tuition Credits will
change. Additional purchases by an individual will be made at the new rates.
· The Program allows you to use your Tuition Credits anytime after they
mature. Tuition Credits mature four (4) years after the date of purchase,
~
he Program's
exibili
. The Tuition Account Program is structured to offer you a wide range of
choices and is flexible enough to work with virtually an budgets. In these
uncertain economic times, it is comforting to know that you have paid for the
tuition expense when your children are ready to continue their education, This
Program allows students to apply to any licensed or accredited school in the
United States,
. You may pre-purchase a
student's entire tuition
requirement in a lump sum, or
purchase Tuition Units or
Tuition Credits over an
extended period through
payroll deduction or periodic
payments.
. Another example of
the Programs flexibility is open
enrollment. You may enroll in
the program at any time,
. This is the only program of
its kind in the country, People
can participate by paying only
a few dollars at a time,
Squirrel away money for their future.
nroll in the Progra
· At the time of application. the Purchaser OR the Beneficiary must be a
resident of Pennsylvania,
· Read the Pennsylvania Thition Account Master Agreement thoroughly
for all terms and conditions.
· Complete the application and return it with the application fee and proof of
residency* in the self-addressed envelope enclosed.
· DO NOT SEND ANY ADDITIONAL MONEY AT THIS TIME.
· Once approved. you will
recei ve an acceptance leller and
then you may begin to make
purchases,
· Beneficiaries will still need
to satisfy the requirements
for admission, continued
attendance and graduation
from the college or university
they select.
.See the application
. Your account is backed by the full faith and credit of the Tuition Account
Program Fund. Your Tuition Credits are guaranteed to be available for your
Beneficiary when he or she is ready to use them. provided they have been in
the Fund a minimum of four (4) years,
. The Tuition Account Program's financial statements are audited annually,
In addition, an actuarial audit is prepared each year by the Fund's actuarial
firm, Investments and balance sheets are reviewed quarterly. Tuition Credit
prices are adjusted annually to ensure the solvency ofthe Fund. These business
practices provide safeguards for the financial stability of the Fund. The Tuition
Account Program is an essential state service; however, the pre-paid Program
is not backed by the full faith and credit of the Commonwealth of Pennsylvania,
. The Tuition Account Program's credits are exempt from Pennsylvania state
and local taxes,
· The Program has been
designed to minimize federal
income tax consequences, The
Treasury Department has requested
a determination from the Internal
Revenue Service regarding the
taxability of the Program, Unless
the Internal Revenue Service rules
otherwise, any increase in the value
of the credits may be subject to
federal income taxation, The
Beneficiary or the Purchaser may
incur a tax liability when the
credits are used, and the Purchaser
may incur a tax liability in the
event of a refund. Every tax
situation is unique. Purchasers and
Beneficiaries are encouraged to
seek guidance from their tax
advisors,
uestions & Answe~ ---
Q: Can the Beneficiary attend any other college 01" university?
A: The Beneficiary can apply the value of the account to any accredited or licensed
post-secondary school in the United States of America,
Q: Is there an advantage to selecting a specific school's tuition rate over the
standard rate for that category of schools?
A: If you know which school the Beneficiary would like to attend. then the answer
is yes! The advantage would be in knowing that you have selected the
appropriate tuition rate,
Q: Can the Beneficiary use Thltlon Credits at a private school?
A: When you purchase Tuition Credits and then decide to attend a private school.
the value of your account will be paid to that school. You will be responsible
for paying any differences between the account value and the school's tuition
expense, Since most private colleges are more expensive than state colleges and
universities. extra credits should be purchased to offset the difference.
Q: How many Thltlon Credits should I purchase for an Associate's Degree
program at my local community college?
A: Most community colleges calculate tuition costs based on the number of total
credit hours for the courses selected, At these schools, one Tuition Credit will
equal one credit hour, Most Associatels Degree programs require a minimum of
sixty (60) academic credits. Therefore. at least sixty (60) Tuition Credits should
be purchased, You must detennine the specific credit requirement for your
Beneficiary by contacting the college he or she plans to attend,
Q: How many ThUlon Credits should I purchase for a Bachelor's Degree program?
A: A Tuition Credit is one-twenty-fourth (1/24) of the annual tuition at a Purticipaling
Institution, Twelve (12) Tuition Credits equal the tuition for one semester and
twenty-four (24) Tuititon Credits equal the tuitio!l for one year, Since most
Bachelorls Degree programs require four academic years, the total purchase should
be at least ninety-silt (96) Thition Credits, However, where a Participating Institution
calculates tuition on the basis of cost per credit hour. a Tuition Credit will equal a
credit for one academic hour. This Program is designed to pre-purchase credits at
the full-time undergraduate rate, If the Beneficiary allends school on a part-time
basis, the tuition cost may be greater per credit hour, The Program will convert the
value of the account to the part-time equivalent.
Q: How often will the price of Thitlon Credits change?
A: Prices for Tuition Credits will be established annually and will be in effect from
September I st through August 31 st. Each year. as colleges announce their tuition
rates for the following academic year, an actuarial study will be completed to
determine the new annual prices, We fully expect college tuiiion prices to increase
annually and that the Tuition Credit prices will also increase,
Q: Can the Beneficiary attend schools other than colleges?
", I.:
A: Tuition Account Program credits can be used for tuition payments at any state
accredited or licensed post-secondary school. This includes trade, business, art.
culinary and professional schools,
Q: Can I change the Beneficiary?
A: Yes, This requires a contract change, Forms to request a Beneficiary change
will be provided, Each contract change will be subject to a $ I 0,00
administrative charge,
Q: What happens if the Beneficiary decides he or she does not want to
continue his or her education and I do not have a substitute Beneficiary?
A: If the Beneficiary decides not to go to college. or any other accredited school. then
ninety (90) percent of the value of the tuition account or ninety (90) percent of the
value of Tuition Credits. whichever is less. will be returned to the purchaser upon
req uest.
Q: Can the applicant also be the Beneficiary?
A: Yes. You can purchase Tuition Credits for your own collegc tuition. but as the
applicant, you must be at least 18 years of age.
Q: How can a business, service club, civic organization or alumni organization
participate In the Program?
A: Any legal entity can establish a Tuition Account. A business can participate by
enabling its employees to purchase Tuition Credits through payroll deduction I
providing an employee benefit through matching funds forTuition Credit purchases.
or establishing a scholarship with Tuition Credits, Service clubs, religious groups
and civic organizations can also purchase Tuition Credits for scholarships,
Q: Is the Program limited to tuition only?
A: This Program is designed to cover the single largest expense,..tuition. There
are many other expenses associated with attending college, You must learn about
these additional expenses directly from the schools, If an account contains
more Tuition Credits than needed to complete a degree program, you may apply to
the Department to use the credits for a Master's Degree or other advanced degree
programs. or for room, board and other educational expenses after application of a
conversion factor determined by the Department.
Q: Can I decide how many Thition Credits can be used In any given semester?
A: You may use the Tuition Credits in any manner you choose as long as the four(4)
year maturity requirement has been fulfilled,
Q: Does the value ofThition Credits affect student aid eligibility?
A: For Pennsylvania state student aid - no, For any Federal student aid. yes, Conlact
your school's Financial Aid Office for specific details,
Q: What If I can't afford to purchase all of the Thition Credits for a four year
degree?
A: Credits may be purchased.at any time in any quantity that is convenient and
affordable, The only requirement is that the minimum purchase is one
Tuilion Unit.
Q: Can I terminate my conlract and receive a refund?
A: You may terminate an account and be entitled to a refund, The amount of the
refund will depend on the reason for the termination of the account. Full details
about the refunds are in Article VI of the Master Agreement.
Q: May two or more people jointly purchase a 'fultlon Account contract?
A: There can be only one Purchaser per contract. However, someone other than the
Purchaser may contribute towards the purchase of Tuition Units orTuition Credits
for the Beneficiary,
Q: Who controls the 'fultion Account?
A: The Purchaser of the Tuition Credits controls the account. The Purchaser can
change Beneficiaries or terminate the account at anytime,
Q: Can a Beneficiary have more than one account?
A: Yes. any number of Purchasers can open an account for a specific Beneficiary. The
Beneficiary has all the same flexibility in the use of the credits. and each individual
Purchaser maintains control of his or her account.
Q: What are the state and federal tax consequences for Purchasers and
Beneficiaries?
A: The Program has been designed to minimize federal income tax consequences, The
Treasury Department has requested a determination from the Internal Revenue
Service regarding the taxability of the Program, Unless the Internal Revenue Service
rules otherwise. any increase in the value of the credits may be subject to federal
income taxation. The Beneficiary or the Purchaser may incur a tax liability when
the credits are used. and the Purchaser may incur a tax liability in the event of a
refund, Every tax situation is unique, Purchasers and Beneficiaries are encouraged
to seek guidance from their tax advisers,
. '
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16
T
tate public
colleges & universities
THE STATE SYSTEM OF HIGHER EDUCATION
D BLOOMSBURG UNIVERSITY OF PENNSYLVANIA III KUTZTOWN UNIVERSITY OF PENNSYLVANIA
o CALIFORNIA UNIVERSITY OF PENNSYLVANIA III LOCK HAVEN UNIVERSITY OF PENNSYLVANIA
o CHEYNEY UNIVERSITY OF PENNSYLVANIA mil CLEARFIELD CAMPUS
D CLARION UNIVERSITY OF PENNSYLVANIA DlI MANSFIELD UNIVERSITY OF PENNSYLVANIA
m VENANGO CAMPUS m MILLERSVILLE UNIVERSITY OF PENNSYLVANIA
o EAST STROUDSBURG UNIVERSITY OF PA m SHIPPENSBURG UNIVERSITY OF PENNSYLVANIA
II EDINBORO UNIVERSITY OF PENNSYLVANIA m SLIPPERY ROCK UNIVERSITY OF PENNSYLVANIA
D INDIANA UNIVERSITY OF PENNSYLVANIA m WEST CHESTER UNIVERSITY OF PENNSYLVANIA
DlI ARMSTRONG CAMPUS
1m PUNXSUTAWNEY CAMPUS
ALINCOLN UNIVERSITY
STATE.RELATED UNIVERSITIES
A NEW KENSINGTON CAMPUS
A OGONTZ CAMPUS
.All. SCHUYLKILL CAMPUS
A SHENANGO CAMPUS
..th. WILKES-BARRE CAMPUS
A WORTHINGTON.SCRANTON CAMPUS
..&. YORK CAMPUS
A PENNSYLVANIA STATE UNIVERSITY
..th. ALLENTOWN CAMPUS
A ALTOONA CAMPUS
A BEAVER CAMPUS
Aa. BERKS CAMPUS
A DELAWARE CAMPUS
A DUBOIS CAMPUS
.All. ERIE BEHREND CAMPUS
A FAY EnE CAMPUS
A GREAT VALLEY CAMPUS
A HARRISBURG CAPITAL CAMPUS
A HAlLETON CAMPUS
A HERSHEY MEDICAL CENTER CAMPUS
.A. McKEESPORT CAMPUS
.A MONT ALTO CAMPUS
A TEMPLE UNIVERSITY
.A AMBLER CAMPUS
A UNIVERSITY OF PlnSBURGH
4l.. BRADFORD CAMPUS
A GREENS BURG CAMPUS
A JOHNSTOWN CAMPUS
A TITUSVILLE CAMPUS
"
ALLEGHENY COUNTY
BEAVER COUNTY
BUCKS COUNTY
BUTLER COUNTY
DELAWARE COUNTY
ERIE COUNTY
HARRISBURG AREA
COMMUNITY COLLEGES
, LEHIGH COUNTY
LUZERNE COUNTY
I MONTGOMERY COUNTY
NORTHAMPTON COUNTY AREA
PHILADELPHIA
READING AREA
. WESTMORELAND COUNTY
17
THE PENNSYLVANIA TUITION ACCOUNT PROGRAM
MASTER AGREEMENT
ARTICLE I . INTRODUCTION
1. This Mssler Agreement Is a contracl lor the prepayment 01 educalional services, and describes the terms and
conditions 01 the Pennsylvania Tuition Account Program es defined by the Tuition Account Progrem and College Savings Bond
Act Dnce you complete an application for a Tuilion Account Paymenl Contract, and your application Is accepted, you will be
ISlued an acceplance package. The application, kepi on file on your behall, this Master Agreemenl, and tha acceptance
package conslitute the Tulllon Account Payment Contract between you and the Treasury Department. Modiflcallons and
additional terms and conditions may be mede to Ihls Masler Agreemenl by Ihe Treasury Department. and will be In~rporated
Into lhe Tuition Account Payment Conlrael.
2. Sec1lons301to 317 of the Act, 24 P.S. ~~6901.301-6901.317 and regulations to be prom~lgated at 22 PA Code
Chapter 551, as amended from time to time, will epply 10 the Tuition Accounl Payment Conlract and are Incorporated herein
by reference. You may receive copies 01 the stalule and regulations Irom the Department upon request.
ARTICLE II . DEFINITIONS
1. The lollowlng words and phrases will have the meanings given to them In this section unless the contexl clearty
Indicates olherwlse:
'Ar;f' The Tuition Account Program and College Savings Bond Act, Act 011992, April 3, P.L. 28, No. 11,24 P.S. ~6901.1 01,
aJ..eg,
'BeneflclarY" A person who meets the eligibility crileria sel forth In Ihe Act, and on whose behall a Purchaser enters Into
a Tulllon AccOunt Payment Contracl.
'Deoertmenr The Treasury Department 01 the Commonwealth 01 Pennsylvania.
'DI...blllly" A medical or physical condition of a Beneficiary which In the judgment 01 the Department makes attendance
by !he Beneficiary et a Participating Institution or Nonparticipating Inslllutlon Impossible or unreasonably burdensome.
'edueatlonal exoenses' Expenses, other than Tuition, necessary for attendance at either a Participating tnslitutlon or
Nonparticipating Institution, Including, bul not limited to, charges for room and board, provided by Ihe Participating
Institution or Nonparticipating Institution laboralory feas, compuler fees, book costs, and studenl activity fees.
'Enrollment Period' Any period deslgnaled by the Department during which applications lor enrollment In the Program
will be accepled by the Department.
'Famllv Member" A family member Is a spouse. child, slepchild or any descendant or stepdescendant 01 either; a sibling.
half sibling, stepsibllng, or any descendant or slepdescendant 01 any of them; and an ancestor or a slepancestor. An
adopled person Is considered Ihe child of the adopling person.
'EunlI" The Tuition Payment Fund established by the Act.
'Materiat Mlsreoresentatlon' A lalse stalement made with the intent to deceive by the Purchaser or Beneficiary, either
In the applicallon or In written correspondence with the Department regarding the Tuilion Account Payment Contract.
relating to a substantial fact, Including but not limited 10. age of the Purchaser. Ihe residency of the Purchaser or
Beneflclary, or the reason lor Termination of the Tuition Account Payment Contract.
'Nel Eamlnos Rale 01 the Fund" The percentage relum of the investment 01 Fund essels after adjusling for any taxes and
oparatlng expanses.
'Nonoerticloatlno Inslltutlon' Any postsecondary educatlonallnstilutlon accredited or licensed by lhe Pennsylvania
Department of Education or similar egency of anolher stale or the U.S. Department 01 Education which Is nol a
Participating Instilution In Ihe Program.
'Partlcloeting Institution' Any accrediled, degree.granllng college or university required by the Act to participate In lhe
Program as selforth below:
(A) Community colleges operaling under Article XIX.A ofthe Ael 01 March 10. 1949, P.L. 30. No. 14. known as the
Public School Code 011949;
(B) Universities comprising the Slale Syslem 01 Higher Education;
(C) The following Stale.related Institullons: (I) Pennsylvania State University; (Ii) University 01 Pittsburgh; (IIi) Temple
University; flY) UncoIn University; (v) any InsIiMion which is designated as "Stale-related" by lhe ColM1onweaIth.
'Prooram' The Tuition Account Program established by Ihe Act.
'Purchaser" A person, Including a natural parson who Is at least eighteen (18) years old. corporation, association,
partnership orolher legal entity, who meets Ihe eligibility requirements as set forth In Ihe Act and who enlers into a Tuillon
Account Payment Conlrael.
'Reslden<;y" Domiciled wilhin Ihe Commonwealth of Pennsylvania for no less than 12 consecutive months prior to and
Including lhe dale of application. For a person under the age of one year. he or she must have been bom In the
Commonwealth 01 Pennsylvania and have been domiciled In the Commonweaith continuously Irom birth Ihrough the date
of application.
'Scholarshlo' Any amount received by a Beneficiary, Including a grant, or fellowship, provided that the amount Is required
to be used for Tuition and Educational Expanses, and does not have to be repaid as a loan.
18
'SIAndArd Tullion Lovol' Th. .pproxlm.l. .v.r.ge Tuition lor an .cad.mlc y.ar al (i)lh. Commonw.alth'. communily
colleges. (Ii) unlv...llle. In the SI.I. Sysl.m 01 Higher Educallon. or (ill) SI.I.,r.l.t.d Inslitullon., In .ach ca.. ..
.slabll.hed by Ih. D.partm.nt.
"T.rmlnation ollho Tulllon Accounl PavmAnI Contract" Tho voluntary or Involuntary disconllnuallon 01 a Purchaser from
th. Program .nd the volunlary or involuntary dlsconllnualion 01 the Ben.,lclary'. righllo roc.lv. benefits under a Tuijion
Accounl Paym.nt Contr.cl.
"IuiIillD" Th. tot.1 (II alt I... and charg.s r.qulred for an.ndance at an Instllutlon 01 hlgh.r educalion lor a lult,tlm..
undergraduate .cad.mlc y.ar, .xcluding charg..lor room and board. F..s and charg.. a. u.ed In thl. d.finltlon do
notlnelude co.ls lor (I) aClivllles or lunellons unr.laled to cou... or program wolll (I.... atud.ntacllvlty f...), and (II)
.peclfic cou... or program fe.. charged by an In.lltulion 01 hlgh.r education, which ar.ln addilion to Ih. olh.r f... and
charg.alor .n.nd.ne. (I.... laboratory f.... comput.r I..., and book COSI'),
"Tullio" Account" Th. account .stabll.hed by a Tullion Account Paym.nt Conlractlor a .peclllc Beneficiary.
"Tullion Account Pavment Conlracr Th. contracl enlered Into by a Purcha.er .nd the Departm.nt to provide for th.
advance purcha.. 01 Tuition Credll.lor a Beneficiary anending a Participating Inslltullon, which contraclcon.I.I. of this
Ma.ler Agreement, application, acceplance packag., annual prlc. schedule lor Tuition Credits as periodically amend.d,
and oth.r relal.d documenls.
"Tuition Credll"Wher. a P.rtlclpating Instilution calculale. Tuition on a semesler basis (as opposed to a credit hour besis),
a Tuition Credit I. defined au one.lwenty.fourth (1/24) 01 the Tuition lor an academic y.ar at that Participating Inslilution.
In such a cas.,lwelve (12) Tullion Credlls will equal one (1) semest.r. and lwenty.four(24) Tuilion Credits will equal one
(1) acad.mlc year of Tullion althat Participating Inslilullon. Where a Partlcipallng Inslllullon calculales Tuition on Ihe
basis 01 cosl per credit hour only (es opposed to a semesler basis). a Tuition Credit Is defined as on. (1) academic credd
hour, For example, II a Partlclpaling Inslilution charges by the credil hour and requires lilteen (15) credit hours. Ihen
Illteen (15) Tuition Credils persemeslerwlll b. needed to pay lor the credit hours. In such a case,thirly (30) Tuition Credits
will equal one (1) academic year of Tuition at thai Participating Institution. This delinillon Is based on Seellon 309(c) of
th. Act (relaling to Tulllon Credits under the Tuition Accounl Program).
"Tuition Rate" Thetype 01 Tulllon charged, on Ihe basis 01 Residency stalus (I.e. Pennsylvania resident. non. Pennsylvania
resldenl. or out.ol-district).
"Tuition Unlr Is live percent (5%) of a Tulllon Credit. Twenty (20) Tuition Units equals one (1) Tuition Credit.
"Value 01 the Accounl" The sum 01 all payments made pursuant to a Tuition Account Payment Conlractlor the purchasa
01 Tulllon Credits or Tuilion Units plus, In the case 01 each payment, a pro rala share olthe Net Earnings Rate 01 the Fund
Irom the dale 01 payment to Ihe time 01 valualion, compounded annually.
ARTICLE III- PARTICIPATION IN THE TUITION ACCOUNT PROGRAM
1. In order 10 participate In Ihe Program, either you ("the Purchaser') OR Ihe person you have deslgnaled to recalve the
benefils of the Program (1he Beneficiary") must be a resldanl 01 the Commonwealth 01 Pennsylvania allhe time 01 appllcalion
lor partlclpallon In the Program. The final delermlnation regarding Residency slatus will be at the sole discretion ollhe
Department.
2, In order to partlclpale In the Program. you must deslgnale. at the time 01 application, the Beneficiary. You may name
yourself as the Beneficiary. The Beneficiary you name on the application will be the designated Beneficiary, unlil such time
that you eleetto nama a subslilute Beneficlary In accordanee with the provisions 01 this Master Agraement. You may designate
a B.neficlary as unnamed. provided thallhe designation Is part 01 a Scholarship award beginning on a staled date of
enrollment, pursuant to a Scholarship program previously approv.d by the Department.
3. In order 10 participate In the Program, you must designate, on the application, the projec1ed dale of enrollment for the
Benellclary who will anend a Partlclpatlng Inslllution or Nonpartlclpallng Instilulion. The projacled date 01 enrollment you
designate on the application will be the proposed dale 01 enrollment, unless you request subslilution of Iha proposed dala of
enrollmenlln accordance with Ihe provisions of Ihls Master Agreement. The Dapartment will have the right to approve. at lis
sola discretion. a substitution of proposed date of enrollment, and reserves the right to limit the number or proposed date of
such .ubstltullons.
4. In order 10 partlclpale In the Program, you must designate, on the application, the Tuition level lor which you wi'l
purchase Tulllon CredltslTultion Unlls. You may purchase Tuition CreditslTultion Units at a Standard Tuillon Level, as listed
on an annual price schadule lor either (I) Pennsylvania community colleges: (II) unlversllies In the Slale System of Higher
Education; or (iii) Slate.related Instilullons. If you choose not to purchase Tuition CredilslTultlon Units at a Slandard Tuition
Level. you may purchase Tulllon CredilsfTultion Unils at the Tuition on the annual price schedule for a specific Participating
Inslllution. The ennual price schedule will specify the cost 01 Tuition CreditslTultion Units at the respeellve Slandard Tuition
Levels. and at specific Participating Institutions. In each case lor resident and non. resident sludents. You lurthor undersland
lhallhe Departmenl may annually change Slandard Tulllon Levels. the Tuition lor a specific Partlclpaling Institullon, and Ihe
purchase prices 01 Tuition CreditsfTultlon Units. The Tulllon level you designate on the application will be the Tullion level al
which your purchase 01 Tuition CredltsfTulllon Units will be calculaled. You may substitule the deslgnaled Tullion level, In
accordance with the provisions 01 this Master Agreement: however. Tuition CreditslTuillon Units purchased up 10 the time the
Department Is notified of your subslitutlon 01 Tuition levels will be converted to Tuition CredilsfTulllon Unlls at the subsliluled
Tuition level. In accordance with the provisions of this Masler Agreement.
19
ARTICLE IV. PAYMENT METHODS
1. You may purchase Tulllon CredilslTullion Unils by (I) a lump sum payment lor an amount 01 Tuilion CreditslTuilion
Unils you specify on Ihe appllcallon; (Ii) personal check accompanied by accounl coupons provided 10 you by the Depa~menl;
(Iii) dlrec1transfer Irom your bank account; or (iv) payroll deduclion. You select your melhod 01 peymenl on the Applicelion;
however. you mey change payment melhods al any lime upon wrlUen request 10 the Depa~menl.
2. You will be charged e $20.00 lee lor any paymenls relurned uncollecled lor insufflcienl lunds.
ARTICLE V . REDEMPTION OF TUITION CREDITS
1, You understand that e period 01 lour years must elapse Irom the dale 01 each purchase 01 e Tulllon Credit to the time
when auch Tulllon Credit mey be redeemed el a Partlcipallng Inslllution or Nonparticipating Inslilullon.
2. The Beneficiary must enroll In a Partlclpallng Instllutlon or Nonpa~iclpallng Inslilutlon within a five.year period Irom
the flrsl day 01 Ihe month specified on the appllcallon as the proJecled date 01 enrollment. You may extend this period lor an
additional flve'year period provided you nollfy the Department In wrillng prior 10 the end 01 the Inlllal five'year period. and If
determined by the Departmenlto be necessary, you pay an assessment 10 ensure the actuariallOundness 01 the Tulllon
Account or the Program. The lallure 01 the Beneficiary to enroll wllhln Ihe specified five.year period, plus any epproved five.
year extension, will be deemed a decision by the Beneficiary 001 to allend a Partlclpallng Inslilullon or Nonpartlclpallng
Inslilulion. and will resullln (I) a Termlnallon 01 the Tuilion Account and (II) the Issuance 01 a relund In accordance wllh the
prOvisions 01 the Masler Agreemenl. Any lime spent by a Beneficiary as an aclive duljl member 01 the United Slates Armed
Services will not be Included In Ihe five.year period specified In Ihls Paragraph.
3. The Beneficiary must redeem all Tuillon Credils within a ten.year period beginning on Ihe first day 01 Ihe monlh of
enrollmenl. Failure ot'lhe Beneficiary to redeem all Tullion Credits within the specified len.year period will be deemed a
decision by the Beneficiary not to aUend a Partlclpallng Instilullon or Nonparticipating Inslilullon and will result In (I) a
Termlnalion 01 the Tullion Account. and (Ii) the Issuance of a refund In accordance wllh the provisions 01 the Master Agreement.
Any lime spent by a Beneficiary as an aellve duljl member 01 the Unlled Slales Armed Services will be added to the ten'year
period specified In this Paragraph.
4. To redeem a Beneficiary's Tulllon Credlls at a Participating Instllulion, you or Ihe Beneficiary must request, In wrillng
from the Department, a certified slalement of accumulated Tulllon Credits. Such request must Include (I) Ihe specific
Partlcipallng Inslilution to be aUended by the Beneficiary; (Ii) the amounl, if any, 01 any Scholarship for the academic year
againsl which the Beneliclary seeks 10 apply his or her Tuition Credlls; (Iii) the Tullion Account Payment Contracl number; and
(Iv) the Tulllon Aale Ihalthe Beneliclary will be charged by Ihe specllic Particlpaling Inslilullon. You undersland that Ihe
Depa~menl will conve~ previously purchased Tulllon Credits. In accordance with A~icle V, Paragraph 8 01 this Masler
Agreement, If Ihe specilic Pa~lclpallng Inslilullon and/or the Tullion Aale Indica led on the request lor the ce~ified stalemenl
01 accumulaledTuitlon Credlls Is different Irom that specified In your applicalion. For example, If you purchase Tullion Credits(
Tullion Unlls at a Tuition Aale lor residents. and subsequenUy Ihe Beneficiary auends a Pa~lcipallng Inslilullon as a non.
resident. the Depa~menl will conve~ your Tullion Credits 10 Ihe non.resldent Tuition Aate.
5. You or Ihe Beneficiary must forward the ce~ified stalemenl 01 accumulaled Tulllon Credits 10 the specific Partlclpallng
Inslilution which the Beneficiary will alland. The specific Pa~lclpallng Inslitullon will relurn Ihe certified slatement 01
accumulated Tulllon Credits 10 the Departmenl, logelher wilh a slalemenl, signed by an appropriate official 01 the specific
Partlcipallng Instilullon. ce~ilylng thai the Beneficiary has been accepled for enrollment lor the current academic year. A
Pa~lcipallng Instilullon aUended by a Beneficiary will acceptlhal Beneficiary's Tuition Credits.
6. Upon receipt of alllhe documentallon required by A~lcle V, Paragraph 5. the Depa~ment will pay dlreclly to Ihe
specific Participallng Inslllullon the lesser of (i) the actual Tullion lorthe number of Tuition Credilspurchased for that academic
year, or (II) the purchase price 01 Ihe Tulllon Credits plus a pro rala share 01 Ihe average annual Net Earnings Aale of the Fund
compounded from the year of purchese 10 Ihe year In which such Tulllon Credlls are to be used. "the amount In Paragraph
6(11) Is the lesser amount. the difference between Paragraph 6(1) and 6(11) will be a Tullion Shortfall. The Department will add
from the Fund the amounl 01 the Tullion Shortfall 10 the paymenl made dlrecUy to the specific Partlclpallng fnsliluUon.
7, "the Accounl 01 a Beneficiary conlalns more Tullion Credils than the Beneficiary needs 10 complete the Beneficiary's
baccalaureale degree. the Beneficiary may apply to the Depa~ment to use the Tulllon Credlls lor a Masle(s or other post.
baccalaureale degree program or for Educallonal Expenses alter applicallon of a conversion laclor delermlned by the
Depa~ment; provided however that Tulllon Credlls may be used for Educallonal Expenses only wllh Ihe approval 01 the
Depa~menl.
8. At the requesl of you or Ihe Beneficiary. Ihe Depa~menl will convert Tuition CredilslTultlon Units purchased at a
Standard Tullion Level to the Tulllon at a specific Pa~icipallng Inslilullon by multiplying the number 01 Tullion CredllslTuillon
Unils purchased each year by Ihe ratio 01 that academic yea(s Slandard Tulllon Level divided by the Tuition for Ihe same
academic year althe deslgnaled Pa~lclpallng Inslilullon. Upon Ihe request of you or the Beneficiary, the Department, following
Ihe same procedure. will convert Tullion CredllslTulllon Unlls purchased al the Tullion 01 a specific Pa~lcipallng Instllullon to
the Tullion at another specific Pa~icipallng Inslilution. The sum of Tuition Credils generaled from such conversions will be
the tolal Tuition Credlls applicable 10 a specific Pa~lclpallng Inslllullon.
20
9. In order to apply Tulllon Cradllllor Tuition ala Nonparticipating Institution. you or your BenaflClary muslsend the
Departmenl documentalion (I.e. an Invoice lor Tuition) thaI shows Ihe Benellciary's acceptance lor enrollmenl by Ihe
NonpartlClpaling Institullon. Upon recelpl 01 such cIoCumentation, the Department will pay 10 tha Nonparticipating Instltullon
Ihe lasser 01 (I) Iha actuel Tulllon lor Iha number 01 Tulllon CrecMs purchasod allhe Slandard Tulllon Level. or althe Tullion
level lor a specillc Partlc;pating Inslltutlon, es designated In the Tulllon Accounl Paymenl Conlract; (Ii) the Value olthe Account;
or (ill) the amount 01 the Invoice.
ARTICLE VI. TERMINATION AND REFUND
1. You may terminate tha Tullion Accounl Payment Contract and receive a refund 01 the Value 01 the Accounl only In
Ihe event 01 anyone JI Ihe following circumstances: (I) Ihe dealh 01 Ihe Beneficiary; (II) the Disability 01 lhe BenefICiary; or (Iii)
Ihe lallure 01 the Beneficiary. who has made a good laith anempl, to gain admlaslon to a Participating or Nonpartlcipaling
Inslilutlon wl!hln !he lime limits lit by Ihe Department The Beneficiary may be deemed by Ihe Department to have made a
good lal!h anemplto gain edmlaslon al a Participating or Nonparticipating Institulion upon Ihe submission 01 (I) a Itatement
Irom Ihe Beneficiary lhal flltlthe Partlclpaling andlor Nonpartlcipaling Institutions thatlhe Beneficiary epplied 10 lor the
PUrpoll 01 admlaslon, and iI!he Beneficiary did not maka any luch applications, a delaUed explanation 01 Ihe reason lor not
doing so; or (Ii) lenera or olher wrinen documenlation lrom Partlcipaling and/or Nonparticlpaling Instllulionslhal rejecled Ihe
appliCation for enroliment; or (Iii) olhar documenlatlon as Is salisfactory 10 Ihe Department. Lenera of documentalion which
reject admissIon applicalions as Incomplele, unlimety filed, or other reaSOM not based on the meril or qualiflcalions 01 the
Beneliclary will not qualify as a good fal!h effort to gain admission by the Baneflclary.
2. lithe Beneficiary Is awarded a Scholarship lor anendance at a Participating or Nonparticipating Inslilution, the terms
01 which cover all or part of the benefits Included In the Tullion Account Payment Contract, you may terminate the Tuition
Account Paymenl Contract and/or receive a refund Irom the Department with respect to the benefits covered In Ihe amount
01: (I) !he Tullion lor the number 01 Tulllon CredllslTuition Units purchased at the Standard Tuilion Level, or at the Tuition level
lor a spaclflc Particlpaling tnslltulien. as designated In !he Tullion Account Payment Contract; or (ii) an amount equsllo Ihe
Value 01 !he Account, whIchever Is less. The refund under thIs Paragraph for anyone academic year will not exceed Ihe amounl
01 !he ScholarshIp lor Ihat year. In order to receive a refund whara a Beneficiary Is awarded a Scholarship, you must submll
wrinen nolice 01 !he Scholarship award. the amount of such Scholarship. and a request lor ralund. The wrinen request must
also contain the Purchase(s nama. the Baneflclary's name, Iha Tulllon Accounl Payment Contract number. evidence 01 the
Scholarahlp award and amount 01 the Scholarship.
3. lithe Beneficiary designated by you In the Tuition Account Payment Conlract decides not to anend a Particlpaling
Institution or Nonpartlcipaling Inslitutlon. you may Terminate the Tuition Accounl Payment Contract and racelve a relund, or
you may designate a substitute Beneficiary In accordance wllh Iha provisions ollhls Mastar Agreement. II you elect to
Termlnale the Tuition Account. the Department will pay a relund to you. Ihe lasser 01: (i) Nlnaty parcent (90%) 01 Ihe Tulllen
lor the number 01 Tulllon Credlls purchased allhe Slandard Tuition Level or at !he Tuition leval lor a specific Partlclpaling
Instltulion, as designated In Iha Tulllon Account Paymenl Contract, as periodlcaliy amended; or (II) Ninety parcent (90%) 01
tha Value of the Account. Failure 01 a Benaflclary to enroll or redaem the balance 01 Tullion Credits within the time pariods
providad for In Ihls Masler Agreemenl, will be deemed by the Dapartmant (I) as a decision by Iha Baneflciary not 10 anend a
Partlcipaling Institulion or Nonpartlcipaling Institulion, and (II) an election byyou to Terminate the Tuition Accounl and receive
a refund, as sal forth In lhls Paragraph.
4. At any time, you may terminate at will the TuItion Account Payment Contract and receive a refund 01 monies paid.
II you so elect to termInate the Tuition Account Payment Contract, !he Department will pay a relund to you, Iha lesser of: (I)
NInety parcent (90%) 01 Iha TuItion for the number 01 Tuition Credits purchased at the Slandard Tuition Level or attha Tuition
lavel for a spaclllc Partlclpaling Inslilulion. as designated In the Tullion Account paymenl Conlract. as pariodically amended;
or (II) Ninety parcenl (90%) of the Valua 01 Ihe Accounl; or (III) The sum 01 all payments mada by you. or on your behall. for
the Ihe purchase of Tuition Credits or Tuition Unlls.
5. In order to lermlnale!he Tuilion Account Payment Contract and recelva a refund under this Article. you must provide
a wrinen request 10 Ihe Department specilylng your name, the Beneficiary's name, Iha Tullion Accounl Paymenl Contract
number, !he reason for termlnalion, and supporting cIoCumentallon as may ba required by ,he Department, and paymant of
the lea specified In Article VIII 01 Ihls Master Agraement.
6. lithe Department delermlnes !hal you or !he Beneficiary have made any Material Mlsrapresentation on the
applicalion or In your communications with the Dapartment regarding Iha Tuition Accounl Program. the Tuition Account
Paymenl Conlract may be termlnaled by tha Dapartment IIlhe Tuition Account paymanl Conlract Is SO tarmlnated, you wili
be enlitled to a ralund In accordance with Ihe provisions 01 Paragraph 4 of Article Viol Ihls Masler Agreement
7. All relunds will be made payable 10 the order ollhe Purchaser only.
ARTICLE VII . SUBSTITUTION, ASSIGNMENT AND TRANSFER
1, You may transfer Ihe benefits and rights 01 !ha Tuition Account Program to an eligible substilute Beneficiary, II: (I)
you axecute a statement verifying Ihatthe parson who Is 10 be subsUMed Is your Family Membar or a Family Member of the
original Benaficlary; and (i1) II you ara a nonresident 01 Pennsylllanla,lha subslitule Benerrciary meets Iha applicable Residency
requirements.
21
2. You m.y .Iso tr.nsl.r own.rshlp 01. Tuition Account P.ym.nt Contr.cllo .noth.r .lIglbl. Purch....r provld~ such
Purchas.r Is your F.mlly M.mber, th.lr.nsf.r Is .ccompllsh.d wllhout consld.ration, .nd 1I1h. B.n.,icl.ry Is. nonr.sld.nt
of P.nnsylv.nl., such Purch.s.r meetsth. .ppllc.bl. R.sld.ncy r.quir.m.nts. All r.qu..tslor substitution of . Purch.s.r
mustlnclud.: (I) the Tuition Account P.ym.nl Contr.ct numb.r; (II) Ih. n.m., .ddr..., soclalsacurity number, and talaphon.
number ollha Purchasar 10 whom you will b.transferring ownerlhlp of tha Tuition Accounl Paymant Contract; (Iii) tha raason
for tha Iransfar 01 ownarshlp; and (Iv) Ih. signaturas of yoursell and tha Purchasar to whom ownarship of Iha contract IS 10 ba
Iransferrad.
3. Elc.pt as apeciflcally provided In Ihla Mastar Agreemenl. you may not assign or Iranller Ih. Tuition Account paymant
Conlr.ct, nor of any Interast, rights, or benefits In It.
ARTICLE VIII . FEES
1. You will be chargad a tan dollar ($ 1 0.00) lea under anyof th.following clrcumltances: (a) where you or th. Beneficiary
se.k to chang.lh. Standard Tuition level or sp.ciflc Participating tnstitutlon. as deslgnaled In Ihe Tulllon Account Paym.nt
Contract; (b) wh.r. you or th. Benallclary seek to t.rmlnal. a Tuillon Account Paymenl Conlract; (c) whera you seek to
substlM. the Ben.flclary; (d) where you seek to Iransferth. Tuition Account Payment Contract to a subslllule Purchaser; and
(.) whar. you or the B.neflciary seak to convert previously purchased Tuition CreditslTultlon Units 10 a Standard Tuition l,v.I.
speciflc Partlclpatlng fnstltutlon olher Ihan as spe.:ified In Ihe Tuition Accounl Paymenl Contracl.
2, You will be charged a one dollar ($ 1.00) lee undar any of tha following circumslances: (a) whara you sa.k 10 change
Inlormatlon r.gardlng Ihe Purchaser, othar than a transfar of tha Tulllon Accounl Payment Contract 10 a substllul. Purchaser;
(b) where you saek to change Information regerdlng Ihe Beneficiary. olher than deslgnallon of a substituta Banaflclary; (c)
where you laak to changa the payment melhod by which you will purchase Tuition CreditslTuitlon Units; and (d) where you
seek 10 receive a certilied statement of eccumuleted Tuition Credils. olher than the certified statamanl of accumulated Tulllon
Cradits provided to you by tha Department on an annual basis.
3. You will pay all lees Imposed undar this Artlcla VIII by check or money order made payable to the 'Tultlon Account
Program."
ARTICLE IX . MISCELLANEOUS PROVISIONS
1. All notices, changas, options and elactlons made under the contrect must be In writing, signed by you, and racelved
by tha Dapartment at the address listed In the acceptance packaga. Tha Dapartmantls nol rasponsible lor lhe accuracy 01
such documentation. If acceptabla to the Department, notlcas, changes, options and elections ralatlng to Iha Beneficiary will
lake effec1 as 01 the dale the notice Is received by the Department, unless the Department agrees olherwlse.
2, NOlhlng In Ihe Contrac1 will be construed as a promise or guaranlee by Ihe Departmenl or the Commonwealth of
Pennsylvania that a Beneficiary (I) will be admilled 10 an Inslilulion 01 higher educalion, (Ii) will be allowed to continue to allend
a Participating Inslilutlon or Nonpartlclpallng Institution aher having been admllled, (Iii) will graduate from a Participating
Inslilullon or Nonparticipating Institution.
3. Alllactual datermlnatlons regarding a Purchase~s or Beneficiary's Residency. a Beneficiary's good lalth allemplto
gain admission Into a Participating Inslilutlon or Nonparticipating Inslilutlon, Disability, and any olher lactual determinations
regarding Ihe Tuition Account Payment Contract will be allhe sole discration ollhe Department.
4, The Department has requesled a detarmlnatlon of the tax status 01 the Fund. paymenls, and benems oflhe Program
under the Internal Revenua Coda, Until such time as a final determination Is racalved, you understand that tha Internal
Revenue Servica may determlna earnings or benems from the Program are talable to you or to tha qualilled Benaflclary, You
understand that all tal situations ara differanl and that you may contacl your tal advisor or olhar tal counsalor, In addition,
the Intamal Ravanua Sarvice may datermlne Ihatlhe Fund Is lalable.
5. Tha Tuition Accounl Payment Contract will be construed In accordance wllh Iha laws ollha Commonwealth 01
Pannsylvanla.
6. In tha avantlhat any clausa or portion olthe Tuition Accounl Paymant Contract Is lound 10 ba Invalid orunenforcaabla
by a court 01 competent Jurisdlc:ion, that clausa or portion will ba savared Irom tha Tuition Account Payment Contract and tha
remalndarollha Tuition Account Paymenl Contract will continue In full force and affact as If such clausa or portion had nevar
bean Included.
7. You undarstand thai any claim by you or a Beneficiary agalnsltha Department pursuanlto tha Tulllon Account
Paymant Contract will ba mada solely against tha assets 01 the Fund.
22
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POPS - Posltive Student Award
November.. 1994 Team 6-1
(Q[jj]G)wc!lw [3g ~fJ U (SJCDlil
Has exemplified the five
ott i tudes ot focus:
Belief in Self
Sel f Conti dence
Hi gh Expectot ions
Goal Setting
Self Esteem
"
, "\....
DANIEL P. WILSON and SHARON M.
WILSON. Individually and as Parents and
Natural Guardians of AMANDA WILSON
A Minor.
· IN THE COURT OF COMMON PLEAS
.CUMBERLAND COUNTY. PENNSYLVANIA
: No.: C;j-~ lJ~o~ OLtK.-(-:J~
.
Plaintilfs/Petitioners
v,
· CIVIL ACTION - LAW
.
.
.
DAVIDJ. GANTT,
DefendanllRespondent
PRAECIPE FOR WRIT OF SUMMONS
TO THE PROTHONOTARY:
Please issue a Writ of Summons in the above-caplioned action. DO NOT FORWARD THE
WRIT. ATfACHED IS AN ACCEPTANCE OF SERVICE FORM SIGNED BY
DEFENDANT'S ATfORNEY.
~~
Danie P. Wilson
Individually and as Parenl and Natural
Guardian of Amanda Wilson. A Minor
~~,G~
Sharon M. Wilson
Individually and as Parent and Nalural
Guardian of Amanda Wilson. A Minor
Dated:
/1 //1/ C,5
I /
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Commonwealth of Pennsylvania
County of Cumberland
Daniel P. Wilson and Sharon
M. Wilson, individually and
as Parents and Natural
Guardians of Amanda Wilson,
a minor
Court of Conunoll Pleas
VI.
95-6808 Civil
No. _____________________________________ 19____
In ________~_~ y!! __~p_t:~~!:l__:__~~_I!___________
David J. Gantt
David J. Gantt:
1:0 _____________________________________________
You are hereby notified that Daniel P. wilson & Sharon M. Wilson ita as
~~E.~!l_t:!l__~__~~~!_!.~~!__~~_l!:!!!~t1!'__~_~__~!!1.!1_'1~_l.!_~g!:l~t1_'__~__!!!.!!I_C!:___ _________________
. , ., Summons - Civil Action - Law
the PlallltiffS ha veommenced an acuon III ___________________________u______________u___________
&pinn you which you are required to defend or a default judgment may be entered againat you.
(SEAL)
I)ate ______!t~~_~~_q~_~__tL________ 19__~5
Lawrence E. Welker
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DANIEL p, WILSON and SHARON M.
WILSON. Individually and as Parenls and
Nalural Guardians of AMANDA WILSON
A Minor.
PlainlilrslPelitioners
v.
DA VJD J. GANTT.
DefendantlRespondent
AND NOW, this 11:~ day of
hearing be held on D Umtttl/.). 9
,
....;-,..;: '1iI._..
· IN THE COURT OF COMMON PLEAS
.CUMBERLAND COUNTY. PENNSYLVANIA
.
: No.: yJ-- {;(tr6 (}.-WL1' L J~
· CIVIL ACTION. LAW
.
.
.
ORDER
() <'/'111 ttv,./ . 19~ it is hereby ordered that a
19 95 al
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for the Court to consider the Pelilion to Seule the Claim of a Minor.
Distribulion:
1)
Mr. and Mrs. Daniel P. Wilson
RD#2, Box 116
Milroy. PA 17063
2)
Deborah A. Cavacini. Esquire
CALDWELL & KEARNS
3631 North Front Street
Harrisburg, P A 17110
l50m
BY THE COURT:
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DANIEL p, WILSON and SHARON M.
WILSON, Individually and as Parents and
Natural Guardians of AMANDA WILSON
A Minor,
· IN THE COURT OF COMMON PLEAS
.CUMBERLAND COUNTY, PENNSYLVANIA
.
· No.: q 5 -~508
.
PlainlitTslPelitioners
v.
· CIVIL ACTION. LAW
.
.
.
DAVID J. GANTT,
DefendantlRespoodent
ORDER
AND NOW, this 'L' - day of "':)~
. 199 ~il is hereby Ordered and
Decreed lhat the Pelilion 10 SeIde lhe Claim of a Minor is approved. The A1ls1ate Insurance
Company is direcled to make paymenl of Nine Thousand Five Hundred and 00/100 Dollars
($9,500.00) \0 the parenls. Daniel P. Wilson and Sharon M. Wilson, on behalf of Amanda Wilson,
,.their minor daughler. This sum shall be deposited on behalf of Amanda Wilson, a minor, as
beneficiary, in an accounl previously opened with lhe Penosylvania Tuition Accounl Program.
Accounl No. 0??oo27979. The Pelilioners are direcled to sign a Release in favor of David J. Ganu,
David E. GanU and lhe Allstate Insurance Company. Upon payment oflhe seUlemenl sums, lhe
Pelilioners are direcled 10 disconlinue lhe aclion filed in Cumberland Counly.
BY THE COURT:
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PRAECIPE TO DISCONTINUE
Please mark the above-captioned lawsuit settled and discontinued.
BY:~('\~~ ~ ")~
on M. Wilson
Individually and as Parent and Natural
Guardian of Amanda Wilson, A Minor
DANIEL p, WILSON and SHARON M,
WILSON, Individually and as Parents and
Natural Guardians of AMANDA WILSON,
A Minor,
PlaintiirslPetitioners
v.
DAVID 1, GANTT,
DefendanllRespondent
By:
, .
Dated:
60661
· IN THE COURT OF COMMON PLEAS
· CUMBERLAND COUNTY, PENNSYLVANIA
.
· No.: Q'5"'BoB
.
· CIVIL ACTION - LAW
.
.
~
D 'el . Wilson
Indivi ally and as Parent and Natural
Guardian of Amanda Wilson, A Minor
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