William C. and Elaine Gaskins - Page 32

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            showed no unusual increases in the Quinns' assets, just a steady                               
            accumulation of savings.                                                                       
                  Mr. Ouinn's Income                                                                       
                  Mr. Quinn has not been employed since 1982, with the                                     
            exception of a short period of time during 1984 when he worked                                 
            for Sharp Mountain Coal Company. Mr. Quinn incurred a work-                                    
            related injury on August 9, 1984. On December 31, 1985, State                                  
            Workmen's Insurance Fund sent him a check in the amount of                                     
            $13,046.97, representing compensation for August 9, 1984 through                               
            January 16, 1986, less attorney fees. Thereafter, Mr. Quinn                                    
            received a disability check of $323.32 every two weeks. In 1982,                               
            Mr. Quinn was already 62 years old and eligible to collect                                     
            Social Security Retirement benefits. As of March 30, 1993, Mr.                                 
            Quinn's monthly income from Worker's Compensation was $746 and                                 
            from Social Security $423.                                                                     
                  In 1982, Mr. Quinn opened and made two contributions                                     
            totaling $9,996.42 to his annuity account with Prudential                                      
            Insurance. Mr. Quinn received a partial withdrawal dated April                                 
            7, 1983, of $1,117 from his Prudential Insurance annuity account                               
            which, with his permission, was deposited into a joint bank                                    
            account belonging to Mrs. Quinn and Linda. In 1985, Mr. Quinn                                  
            received $1,564.98 in retirement income from the cash surrender                                
            of a Metropolitan Life Insurance Company policy. As of April 14,                               
            1987, the Prudential Insurance annuity contract was worth                                      
            $15,588.08. On April 6, 1988, Mr. Quinn requested that this                                    
            contract be distributed as a life annuity, paying 120 monthly                                  



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