Nancy Silverman and Estate of Sheldon Silverman, Deceased, Nancy Silverman, Executrix - Page 6

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          their home; he did not do any "paperwork" at home.  Sheldon took                   
          his mail, which Nancy separated from her mail, and which Nancy                     
          did not open, into his office.  While he was a part owner in Dawn                  
          Joy, Sheldon kept his books and records at Dawn Joy's office                       
          rather than at his home.  Sheldon insisted upon this; this was                     
          Sheldon's longstanding policy as to how he managed his                             
          activities.                                                                        
                Nancy was in charge of the household; for example, she                       
          bought furniture, food, and other household items, and she paid                    
          for nursery school, utilities, the mortgage on their New Jersey                    
          home, gardening, and clothing.  She paid for these items out of                    
          her and Sheldon's joint checking account in the United Jersey                      
          Bank (hereinafter sometimes referred to as the Joint Account).                     
          See infra table 7. The money that Nancy needed to handle the                       
          household finances came from Sheldon.  The amounts she received                    
          fluctuated, depending on what Nancy told Sheldon she needed in                     
          order to replenish the Joint Account.  Much of the time she                        
          received about $3,000 to $3,500 per month.  Nancy did not work                     
          outside the home during her marriage to Sheldon.                                   
                During 1981 Nancy and Sheldon had two vehicles, a 1978 Jeep                  
          Wagoneer and a 1978 Stutz Blackhawke Coupe.  Both of these                         
          vehicles were left at home for Nancy to use.  Sheldon also had a                   
          leased car.  The Stutz had been leased by Sheldon for 3 years                      
          and, in 1981, he exercised his "buyback" privilege and bought the                  





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