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The following is an excerpt from a 10-K SEC Filing, filed by READING CO on 4/1/1996.

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Item 3. Legal Proceedings

Reading Railroad Employee Health Claims

The Company is a defendant in actions instituted in the United States District Court for the Eastern District of Pennsylvania or the [Pennsylvania State] Court of Common Pleas by or on behalf of persons who had been employed by the Reading Railroad prior to its reorganization under the federal bankruptcy laws in 1980. In general, these actions also name Conrail, which acquired substantially all of Reading's railroad assets in connection with the Company's reorganization, as a defendant. Approximately 115 plaintiffs seek damages under the Federal Employers Liability Act ("FELA") in varying amounts for illnesses or death allegedly caused by exposure to asbestos fibers while employed by the Reading Railroad and, in some cases, by Conrail. Approximately 122 plaintiffs in pending actions seek damages in varying amounts for alleged impaired hearing suffered while employed by the Reading Railroad prior to its reorganization and, in some cases, by Conrail. The underlying actions are proceeding to trial.

The eventual outcome of the above-described litigation cannot be predicted at this time, and the Company's liability, if any, cannot be accurately determined. However, during 1990, the Company and its insurance carriers entered into an agreement (the "Settlement Agreement") which provided the Company with reimbursement for prior payments made to claimants in certain personal injury actions and which provides for the Company to receive reimbursement of amounts expended in conjunction with the matters described above or, if the Company elects, to receive reimbursement from the parties to the Settlement Agreement prior to expenditures. Three participants in the insurance settlement are insolvent. Unreimbursed claims by these three carriers have totaled $61,000. The Company believes that it may be entitled to reimbursement of such amounts from the other parties to the Settlement Agreement and may file for an arbitration hearing on such matters. The Company believes that the amounts available under the Settlement Agreement are sufficient to prevent the above-described litigation from having a materially adverse effect on the financial position, results of operations, or liquidity of the Company.

Cine Vista

A landlord of Cine Vista has alleged that Cine Vista underpaid rent by approximately $480,000 for the thirty month period ended December 31, 1995. The Company is contesting the landlord's claim and believes the claim to be without merit. If the landlord were to prevail in its assertion, the Company is indemnified by TALP for the amount due at June 30, 1994 ($180,000) and the Company believes it would be entitled to a reduction in the purchase price of TAPR relating not only to the 18 months ended December 31, 1995 but also relating to the 17 1/2 future years under the lease. Such purchase price reduction would be funded, in part, from the proceeds of the TAPR purchase escrow.

Environmental Litigation

McAdoo Site

The Company is one of approximately 63 private parties (the "Settlors") which in 1988 signed a consent decree (the "1988 Consent Decree") to perform a remedial action (the "RA") on a Superfund site located on land owned largely by the Company in McAdoo, Pennsylvania ("McAdoo"). Apart from future operation and maintenance ("O&M") expenses, the entire RA is complete. Under the 1988 Consent Decree, a portion of the costs the Settlors incurred to perform the RA before O&M is reimbursable from the Hazardous Substance Superfund (the "Fund"). In 1992, the Settlors submitted to the Fund a claim for reimbursement of such pre-O&M expenses (the "Claim").

To protect their right to seek contribution towards O&M from certain potentially responsible parties ("PRPs") who had refused to join in the 1988 Consent Decree (the "Non-Settlors"), the Settlors in 1992 attempted to intervene in the attempted settlement of the federal civil action which the United States had instituted against the Non-Settlors (the "Non-Settlors Litigation"). An agreement in principle to settle the Non-Settlors Litigation (the "Tentative Settlement") has now been reached and is being documented by the United States. The Company anticipates that the Settlors will approve the Tentative Settlement.

Under the Tentative Settlement, the Settlors would withdraw the Claim and instead recover most of the reimbursement sought thereby from funds which the Non-Settlors had deposited, before the Settlors attempted intervention, into a court registry to settle the Non-Settlors Litigation. The amount recovered by the Settlors from the court registry, along with an additional amount newly contributed by the Non-Settlors, would be dedicated to performing the remaining O&M at McAdoo and would also be used to perform certain additional ground water

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monitoring sought by the United States. The Company has been advised that, in the likely event that the Tentative Settlement is finalized, it is unlikely that any additional amounts will be required to meet any of the Settlors' obligations under either the 1988 Consent Decree or the Tentative Settlement. Any amounts which might be so required would not be material.

Douglassville Site

Reading Company ("Reading") and a wholly-owned subsidiary, Reading Transportation Company ("RTC"), have each been advised by the Environmental Protection Agency ("EPA") that they are PRPs under environmental laws including Federal Superfund legislation ("Superfund") for a site located in Douglassville, Pennsylvania. The EPA issued an Administrative Order under Superfund against 34 PRPs requiring, among other things, that the named parties be required to incinerate materials at the site pursuant to a June 30, 1989 Record of Decision ("ROD"). The ROD estimated that the incineration would cost approximately $53 million. Thirty-six PRPs were also named in a civil action brought by the United States which seeks to recover alleged costs incurred at the site by the United States of approximately $22 million. Reading and RTC have each been named in a third-party action instituted by the majority of the 36 PRPs sued by the United States. The actions instituted against the Company and approximately 300 PRPs seek to have the parties contribute to reimbursement for past costs and any costs associated with further remediation at the site.

On September 14, 1995, the federal district court judge who presided over Reading's reorganization ruled that all liability asserted against Reading relating to the site was discharged pursuant to the consummation order issued in conjunction with the Company's amended plan of reorganization on December 31, 1980. The United States Department of Justice and a named defendant in the above described Administrative Order have filed appeals of the decision. The judge's decision did not affect the potential liability of RTC for the site. RTC has no assets and therefore cannot fund a settlement or judgement relating to this matter and the Company believes that the potential liability of RTC, if any, is not in excess of $300,000. Based upon the appeal and possible alternate attempts by the PRPs to obtain Reading's participation in funding for the site as well as the existence of the other environmental matters set forth below, the Company has not reduced its provision for these matters, which totals $1.2 million.

Reading Terminal Train Shed Litigation

In 1991, the Company filed a lawsuit in the United States District Court for the Eastern District of Pennsylvania against the Southeastern Pennsylvania Transportation Authority ("SEPTA"), Conrail, the City of Philadelphia and other parties which sought to recover a portion of the approximately $9 million expended by the Company in conjunction with the cleanup of polychlorinated biphenyls ("PCBs") in the Reading Terminal Train Shed and a portion of the viaduct south of Vine Street. The action also sought a declaratory judgement as to future costs which could be incurred in cleaning up the remaining portions of the Viaduct. In January 1995, the parties agreed in principle to settle the claim for approximately $2.35 million which amount the Company anticipates receiving during 1996. The defendants have also agreed to pay an amount ranging from 52% to 55% of costs incurred by the Company, if any, relating to possible PCB contamination on the Viaduct.

Atlantic City Site

During 1995, the Company settled an action seeking the recovery of $3,800,000 of alleged environmental cleanup costs from five defendants under various provisions of New Jersey law for $235,000 which approximates the amount previously accrued by the Company to provide for its share of the liability.

Other Environmental

The Company removed six underground storage tanks at a site owned by the Company in 1991 and in conjunction with such activities submitted an environmental assessment of the site to the Pennsylvania Department of Environmental Protection ("DEP"). DEP has advised the Company that no further action is required at the site. With the advance knowledge and consent of DEP, the Company extinguished a fire at a Company-owned site which

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had been used as a landfill by the Reading Railroad. The Company neither anticipates nor faces any administrative action against it by DEP concerning the site.

The Company believes that the Viaduct may be contaminated by PCBs resulting from former railroad operations on that property conducted by or on behalf of the Reading Railroad, Conrail, the City of Philadelphia or SEPTA. The Company has advised the EPA of the potential contamination. The Company has not determined the scope or extent of any such PCB contamination. However, the Company has been advised by counsel that, given the lack of regulatory attention to the Viaduct in the eleven years which have elapsed since EPA was notified of the likelihood of contamination, it is unlikely that the Company will be required to decontaminate the Viaduct or incur costs related thereto. In the event that the Company was required to incur expenditures to remove PCB contamination on the Viaduct, under terms of the settlement described above, Conrail, the City of Philadelphia and SEPTA would be required to fund 52% to 55% of such costs.

Prior to the Company's reorganization, the Company had extensive railroad and related operations. Such operations may have contributed to environmental contamination of properties now owned by the Company, previously sold or leased by the Company, or to which the Company, prior to its reorganization, sent waste. The ultimate extent of liabilities, if any, with respect to such matters, as well as the timing of cash disbursements, if any, cannot be determined. However, management is of the opinion, based on the information currently available to it, that while the ultimate liability resulting from such matters could have a material effect upon the results of operations in a given year, they will not have a material adverse effect upon the Company's financial position or liquidity.