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Home My WebLink About96-02689 ~ .. WEST SHORE TEACHERS FEDERAL IN THE COURT OF COMMON PLEAS CREDIT UNION Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA v. 1"'''- NO. it 6 _. .1 6 FJC) t.(..{~I"(' ,,('1..'1.~/ PAUL L. CAWTHERN, JR and KATHY L. CAWTHERN Defendants CIVIL DIVISION - LAW JURY TRIAL DEMANDED COMPLAINT The Plaintiff, WEST SHORE TEACHERS FEDERAL CREDIT UNION, by its attorneys, KNUPP & KODAK, P,C" brings this action of Assumpsit against the Defendants to recover the sum of EIGHT THOUSAND, FOUR HUNDRED FIFTY-SEVEN DOLLARS AND NINETEEN CENTS ($8.457,19), along with Interest thereon at the rates agreed upon between the parties on the documents set forth as Exhibits herein from May 1, 1996, upon a cause of action of which the following Is a statement: 1, The Plaintiff, WEST SHORE TEACHERS FEDERAL CREDIT UNION, Is a Federal credit union organized and existing under Federal laws, having Its principal office and place of business at 1213 Slate Hili Road, Camp Hili, Cumberland County, Pennsylvania 17011. 2. The Defendant, PAUL L. CAWTHERN, JR, is an adult Individual residing at RR. #1, Box 108G, Tower City, Pennsylvania 17980-9604, 3. The Defendant, KATHY L. CAWTHERN, is an adult Individual residing at RR. #1, Box 108G, Tower City, Pennsylvania 17980-9604. BJH:COMPIWORKICAWTHERN. W5T:05.07.96 9. Defendants did mllke payments to Plaintiff on said loan and, subsequently, did request further monies, as evidenced by Plaintiffs Loanliner Advance Request Voucher and Security Agreement executed by Defendant, Paul L. Cawthern, Jr., on or about September 8, 1994. A true and correct copy of said Voucher and Security Agreement is marked as Exhibit "C", attached hereto and made a part hereof. 10. The principal balance due and owing by Defendants to Plaintiff on this account Is THREE THOUSAND, SIX HUNDRED FORTY-NINE DOLLARS AND ONE CENT ($3,649.01). See Plaintiffs Statement of Account marked as Exhibit "0", attached hereto and made a part hereof. 11. Due to Defendants' default In payment of the aforesaid amount, Interest has been added to said account In the amount of ONE HUNDRED FIFTY-SIX DOLLARS AND NINETY-SEVEN CENTS ($156.97), See attached Exhibit "0". 12, Due to Defendants' default In payment of the aforesaid amount, attorney's fees have been added to said account in the amount of SEVEN HUNDRED FIFTY-TWO DOLLARS AND TWENTY-TWO CENTS ($752.22). See attached Exhibit "0". 13. The balance due and owing on Loan No. 3365-015 Is FOUR THOUSAND, FIVE HUNDRED FIFTY-EIGHT DOLLARS AND TWENTY CENTS ($4,558.20), See attached Exhibit "0", BJH:COMP\I(IVRKICA WTHERN. WST:05.07.96 14. Plaintiff has frequently demanded payment from Defendants of said amount due and owing as aforesaid, but Defendants have refused and neglected and still refuse and neglect to pay said amount of any part thereof. WHEREFORE, Plaintiff brings this suit to recover from Defendants the sum of FOUR THOUSAND, FIVE HUNDRED FIFTY-EIGHT DOLLARS AND TWENTY CENTS ($4,558.20), together with interest thereon at the rate agreed upon between the Parties from May 1, 1996. COUNT II WEST SHORE TEACHERS FEDERAL CREDIT UNION v, PAUL L, CAWTHERN. JR. and KATHY L. CAWTHERN LOAN NO. 5096-023 15. Paragraphs 1 through 14 are Incorporated herein as If fully and at length set forth. 16. On or about September 23, 1991, Defendant, Paul L. Cawthern, Jr. did complete and execute Plaintiffs Loanliner Application, thereby requesting Plaintiff to extend credit to him. A true and correct copy of said Application Is marked Exhibit "A", allached hereto and made a part hereof. 17. On or about September 23, 1991, Defendant, Kathy L. Cawthern, did complete and execute Plaintiffs Loanliner Application as a Co-Maker, thereby requesting Plaintiff to extend credit to Defendant, Paul L. Cawlhern, Jr. and herself. A true and correct copy of said Application Is attached hereto at Exhibit "A". BJH:COMP~ORK\CA WTHERN. WS T:05.07,98 ,1 , 18. On or about September 23, 1991, both Defendants did execute Plaintiffs Loanllner Credit Agreement, thereby agreeing to all terms and conditions of Plaintiff. A true and correct copy of said Credit Agreement Is marked as Exhibit "B", attached hereto and made a part hereof. 19. Defendants did make payments to Plaintiff on said loan and, subsequently, did request further monies, as evidenced by Plaintiffs Loanliner Advance Request Voucher and Security Agreement executed by Defendant, Paul L. Cawthern, Jr., on or about February 6, 1995. A true and correct copy of said Voucher and Security Agreement Is marked as Exhibit "E", attached hereto and made a part hereof. 20. The principal balance due and owing by Defendants to Plaintiff on this account Is FIVE HUNDRED SIXTY-NINE DOLLARS AND FORTY-NINE CENTS ($569.49). See Plaintiffs Statement of Account marked as Exhibit "F", attached hereto and made a part hereof. 21. Due to Defendants' defaullln payment of the aforesaid amount, Interest has been added to said account In the amount of TWENTY-FIVE DOLLARS AND THIRTY-FOUR CENTS ($25.34), See attached Exhibit "F". 22. Due to Defendants' defaullln payment of the aforesaid amount, attorney's fees have been added to said account in the amount of ONE HUNDRED SEVENTEEN DOLLARS AND FORTY- SEVEN CENTS ($117.47), See attached Exhibit "F". BJH:COMPIIfJIRKICAWTHERN.WST:05.07.96 " . Defendant, Kathy L. Cawthern, and himself. A true and correct copy of said Application is attached hereto at Exhibit "G". 28. On or about July 24, 1994, both Defendants did execute Plaintiffs Loanliner Credit Agreement, thereby agreeing to all terms and conditions of Plaintiff. A true and correct copy of said Credit Agreement is marked as Exhibit "H", attached hereto and made & part hereof. 29. On or about July 26, 1994, Defendants did execute Plaintiffs Loanllner Advance Request Voucher and Security Agreement. A true and correct copy 01 said Voucher and Security Agreement Is marked as Exhibit "I", attached hereto and made a part hereof. 30. The principal balance due and owing by Defendants to Plaintiff on this account is TWO THOUSAND, SIX HUNDRED NINE DOLLARS AND FIFTY.FOUR CENTS ($2,609.54), See Plaintiffs Statement of Account marked as Exhibit "J", attached hereto and made a part hereof, 31. Due to Defendants' default in payment of the aforesaid amount, interest has been added to said account In the amount of FIFTY DOLLARS AND FIFTY-SEVEN CENTS ($50.57), See attached Exhibit "J". 32. Due to Defendants' default in payment of the aforesaid amount, attorney's fees have been added to said account In the amount of FIVE HUNDRED TWENTY-SIX DOLLARS AND FIFTY. EIGHT CENTS (4526.58). See attached Exhibit "J". BJH:COMPI\fORKICAWTHERN.WST:05.07.98 '/ -,' --- .. , ... .-..-... .s~~. Application HOW TO APPLY 1 NOTE AND COMPLETE STATEMENT OF INTENT 2 APPLICANT INFORMATION 3 EMPLOYMENT INFORMATION MlllTAflY 4 REFERENCES PIO'Sd me/udo SIr'"lt, City, 51JIt) sndZlfl. 1~! \J ~il"te I till Ho.IlJ C"IIIP 11,11. I'A 17011 (717) 737.4152 . Plea~e complelo ,ed ~ecllons 1 IIllQUgtl8 00 SUIO to check all appl,l.:able bu,.cs . Slyn section 9 . notum this applicotlon to II\(! Credit Union Check Ihe approprlala boxe. 10 Indicalelhe Iypo 0laccounl15) and type 01 crodlllor "hlch you alo applying. Marrlad Appllcanls may epply lor e separate accounl. o LOANLINERe AccounllLoan o Credit Card Account o Individual Credit: Complele Applicant soction. Complolo Co-Appllcent, Spouae, Guamnto, (relorrod 10 as "Olho''') 5001lon: (II about youropou50 II you livo In a communily propOlly .1010 (AZ. CA. 10. LA, NM, NV. lX, WA. WI). or (2111 your&pou.e Will u.e tho Account, or (3) ,t there is a guarantor on thiS accounl. PIUBSO check box 10 Indicate whom l,hO inlormatlon is about. o Joint Crodlt: Provide Inlormallon aboul bolh 01 you by complellng Applicant and Othe, 50cllon, You REQUEST AN ADVANCE OF S pu'po.a: Collate rei: /' Repayment: Q'Payroll Deduclion 0 Cash 0 Aulomalic Peymenl 0 Mllllary Allolmonl 0 cY'Credll Olsab1hly Insuranco Ctlllck co...cragcli) c1e~lrcd The credll union "'111 015'1050 1110 cosl ollhlS ~~tunlaf'llnsulanco 10 )OU A liepillBIO I/1SU,ance election MIlch du~ctosos tho lelms Bnd comllllons mUit be Signed 10' ca~cratJe 10 beCome l!lleclI~C APPLICANT Plasse ptinl In mk or typo. NAUI lLul - ,.. _InitIAl' P ~AWT1+fJ)l:r1?. A-UL L DRIVER'S UCEN6E NU...8EfVIitAIE 19' -,,09 -S~(; ACCOUNT HUMOER IGOCIAl. neuroN HUMBER 3'3105 ' 17.1- 'YS' -7~ yO BunH DAlE ttONE PtiOHE BU6lhEU PHONf /01 ;l,hA;u 1111 I "1-IJ-+,~(l9 17171 69/-33.2.0 PRU~NT ADOREU t5Ir",. CI, - Slala .lIpl ti ONN 0 nOH ~cI "L &11 I()'j t:- lOw(J;o C,'f)' xr'::~ j. 7'A /7 9 'i?O ADDR'" PREVfOus ADORW IBb''' - CiCy .. Ita.. - llpl RS OWN 0 RENT .3Jf P,'ff st. ENoIA?a mr.~ 6 .; 7 0 / i- ADDRESS cowPUTE FOR JOINT CREOtT. SECURED CREDlI OR If ~ UVE IN A COMl.lUNII" PROPERTY &TAlE: 18 MARRIEO 0 SEPoU\AnD 0 UNM...RRIED IS~~~~~~ LIIJT ~ES OF n[PU,DEHT. Nor USTED BY otHER APPUCAlH IEJdwcM a.II') NAME AND ADDRESS OF EMPlOYER .sOl(O 01-- mt!'ct-l.'1N IC.rSIII'lG- .:2 W, :;.-rKAwBE""'V AVr:.. mrc#. PA. 170S~- TITLEIGRAOE sUPEn...,son vTlLlr'f ....,r,trl' ~~ st...mlNG DAlE IF SELF EJ.lPLOYED. rrPE OF BU6IhE!iS ;f~1'o ," CUnn,"' P051T'0" lES. It"'" fiVE YUR5. CCMPlEtE PREVIOUS EJ.lPlO'fCR NAME AND ADUI\ESS 51,AI1IINO D"TE [NQING O"IE IS DUf)' Sl...TIOPi H\ANSHn OPf.CT[O OUIIIN] NEXT 'f(}on TI 'f'f.S ti NO - wuU\E EhOINOISEPM\ATIOtl D"'E NAME "''''0'''0011[55 OF cnWlmr\lSI~F U[OTll PAIODrF l(l[J>'ICNE (1 U c. 0 r= INJ,~NI';L f' t;>. /'1 i,) __.f~~ 5___ ,'i~/!!.!,.2~'" F/-.""I( Y l!oI "'f(/' , ""f: tj.....l[ ,AhU AUOlI[SSor til.}.I\[ST Ilt~llYf. _..- ii[LAii{jij-si-lIi'. Ill)I ll~l'fG Wll11 'fOU ) 16 ""F.r'i /' ....llyn., ~~d"I..,.c::.'t .._"'!'_r.!.~_"___ II(I,I[ f'11G!;[ "'~1'1. J nlv ..,....~~ t~~.I.i-ij,"ll .I;p.lj ~,:.:':f I~~ ~t~':Ai~f-I\;l"t ~J - DCa-APPLICANT 154 SPOUSE 0 GUARANTOR Usa "SAA" ,llnlormatlon ,s "Sdmo As Appllc,ml': NAME lLa.. FIrIt - IntUI) .) ~Aw11l f W -KPrI11 '-I L. DRIVE?' ~CEN5E Nu...slfVStlIE 7' -{ ,/] -hJ-{ ACCOUNT HUMSER I &OCtAl. SECURITY NUloIBER ~/n 160-..j-~- c)..2-1.Z..- 8lmH DATE 110...[ PHOHE BUSlNEU PHONE'UT. I 11111 i: Y7- ""'''S';l PRESENT ADDRESS lactNl- City. S'-" - Zip' B OWN 0 RENT R.I"'~ 6'.':1< /€J!l<f- T.",..r C'7 xr'::~ ..t.. PH /? y I?O """",.. PREVIOUS ADDRESS t6utet. City .. 6".. .. ZiCll Ial OWN 0 RENT J3.r P/I-r .5t C/v",i .,v.;- xr,::.\ to / ,)()./J- AOOnUa COUPlE'lE FOR JOINT cnEon, SECURED CREDIT on lfI ~uvE IN ACQl,IUUNITY PROPERTY STATE; "" t.lAFlmEO 0 SEPARATED 0 Uht.lAnRI[O ISInO.... orwrtld.. ~ 1I5T AGEl OF DEPENDENTS hCl USTElJ BY APPUCMT 1[J.c.IWtS.11I NAt.lE AHo ADDRESS OF EMPlOYER oJ. ~ _ I"CK (ii'll! t<-' 2C 1 .-"..u err 17 Nt' /i</1l", /',"/1" r/ ~r ;10' ,,,,,,,u' (n~ TlTLEIGf\AO~ _ SUPERVISOR jJ..lSt!vt. s.l....nt;r v.,IA'IV:;.'" ~A.5""//A' a:'l~NI"/f" ST'"~IN (lATE I I IF SElf Et.lPlO'l'fD, JYPE OP BUSINESI , :1.//., _) ..., I ,-/ IF EMPlO"r[O It4 CURRWT NSl1l0N lESS THAU 'IVE YEARS. COMPLETE ""[VIOUS [MPlO'l'En NAUI; Mm ...00A[S5 mAnN DATE I<i:-Y r,-Jd .s~II~/C.!'~ J.'::~I G~c,~ t Il...... Of' (N OD-' --1..tii.:. ,-'," /7.iL.> ~/ IS OuTY 51...IION IlWHirE" I:xl'[(.:T[D OUllIt.O NeXT 'rEAR 'rES NO WII[flE ENDINOIUPAIWlOHDAII nLEPHOHE 7~/' 7C'oVt' NAME "1m "OOlllSS OF CIlEOlTOn,fil OF orBIS r"ID or' /tJ.~".' ~.'~- S I / //1.11.1"-/"'( 1'i'L. l...,/(Jcl/tlE .PJh~N .3"/ _... {.fLU ~_1-"t'Y"i-__n_r/'1 U,.M[ "f;O,AUI'Hl::!;!l or 11[,.I\LUT I\E~'I~E. UUTlIVlltUVlIIIIHJU7//J) ;1).!'T,~1 "''- ,..''''''''''t.'r- UI-'t.. EXHIBIT A ~.fJ~2Y:J' .. . RELAJl0H6HIP /1/fI iil J- ~ HOt.l(PHOkE JP - 'itJ'.5 II PHONE 5 INCOME INFORMATION 6 ASSETS Cll~c:" bw: 101 AppucantlOmClI. (n.d.Us,. .nd .ccOtJnl numbel(J}- A.llolcfJolhot 'hlto",t neeeu4/)' DEBTS In IJUIJltlOn 10 ndnUMo,rQ1UtJ hll .11 olhol oebll IIOf fUlmpJe, luto Io.ns, cred.' clms, .econd monQeQCf, home .uoc. du... ",many, chIld ilJppOn, chIld c..tO, mudlC,." uMbOI, 'ulo InSulance, etc.} Pleasl1 u,., ,.pill.,ehnelot each erN.' clld ,na 01"'0 Io4Jn. An.ch olhftl -"wI, ,I nKlJlloIf)'. 8 FINANCIAL INFORMATION Th.1I qUII'lOfI' 'PP'r 10 boIh Appltelnr IIJcJ Other. APPLICANT OTltl:H 1'.tIAI'I'lICMtl ',1',),,',1 1,1,A1IAtlrulll hOIlCI """"',lIlt .1"ld lLI'I~rll" '''P,III,'',m','lIhln:'"..,nCl)lll' ",...,1 nel b'j",Ollct, ,A,llln\"ln~ tt..11! '1IIIIllJII IH "'Vol""","'II1'.nIllO"" It\(um, fI.ed nu4 b. __ 1!,_.."1"'1 '! ~I'\l!h, I~~ l!!1ll~' '\l.JI'~'I.\' ~\.fl~'11.'1'!1 ____ ___ _ _ . ,__.. _'!~"1I1!1!~k,}V.!1<:~1J:LltJ<..!1!..!~..N}f!jS~t~.!!~ I UI'll1'lUI'" .,..(Ol.l[ 0111111 1,..(0"'[ ''''f'lO,'''l U!INC()t,l[ OIH[n ttiCO"'[ $ b'17.t1f'UI 1....",'S $ ..~;';) I'(ll "".' , YI"'.~'I" ~.-..J~,j' $/4.s:'Op(n w,,< (INI' I YiUIO:i!i 6ouncr. .: ~ if".~IJ "(1. .J lNlt {,rGlI055 saunCE ;lIC/~/e (,IIAII( ORA' , on, N""'I A,Nll At1t,llll5!i 01 ,D,II'O!.I,lOln I !'II"Ill,IlI.'" l on NAU[ AM) ",ODn[ss or O[POSlTony CIllCtlINO......O\JN' _'JI'Pt')IIIA"Jrf' fjlll"" I''''''~ t:l1(Ollt,UAtr.lOUNI $ '. 1..: . '$ ,',,'J,'.-.; SiNiLt:.iiAoUNr~----f;:ti.~u\1tl,iL~r~..~f..~.iu7l;' 'f -' ---- i.A...i';lI~-'\MliuNi NAl.It,:,;O AOoiiiSs-or D(POSilOHY $_________, c..:I~~I'L,_,...._____,$___ ___~'rm;:; APPliCANT lilt HOW[ AtoID ALL otHlA IlUIS 'fUU OWN AtoID LOCATION 0' PROP[An WARAIT VAWI PUDaIO AI COLL.AlIRAL _ ~~-----= _.-..!~~~~_~~"t:'."_~~~__c..~~~~~i.u.'~~I~~_~~.~__.__ _____._______ 'OR AHOlHIR LOAN UO"'[ ,('./ .'/ .tOri 1....tJ.... )",...~,.. ~'" 0"" I:'r"~' J'';,'''''' $ .------.--- $ $ $ ,1;,,1'..' ,-. -" ;-,--::-:;;;-7, (J :I~i:-- /., II.:..... IT r. I/Y, "".' j.d I ""C~D ,,'t1N6~K :/ -~ 'N T~L(i< Lf/"-___ r' 1!J:U~.J{'L_~OJL6 /iL . ,- - -- API'!I_~NT--.-- CRIDI'OR ACCOUNT OAlOIHAL PfllllNf MOHTHLY I""" ___ OTHIR NAWE AtoID ADOAUI HUYSEn ""LANCI ....lAHCI PA'fWIHT our.... m____,_'___----------------- " _ , _ tllU.N' l "'"" Itf 1.1""" lJ,,~.... A"",,,~~ _ .-w"J -- -" )s "I, ,.,,' $ .,'"',,,,'oIe. $ '-"Yti .;." y V III L10n1UAOE .J5'utMbrr~ ,"I..'-r.~J." /""/'I)lU llnti ,.. ''"&1 ~~J'.JI ---N'J. J;)~'I ~'~".J"- --,- ~W'J.' .; -.I r...,^IJ ::>r.I"~' II S/'- ""l' S "'':' ..... i4 I)J.~J }t,P' 1,/ "I""'I~I ,t.- IN ,;JI~ i'/"'~_-',."-I ,,',A' f r~-)'I-:J:J-r- S }f.,'''' $ i~:~ $ ~-.;4i ,J." J1 .'1' J--/i.~{!U-L1i_UL.J'(,4-,.!.i.I"~)' 01 II '-f...K .. ~~f!' 11.' iJ'ii ~ I/y Nr.\--" "'n.",," /J ,'/ ) ..1"3' $ I.~ ",,, $ ""I"'..... $ .....Is: ,-.,. I ~l Nt l'r ,'r I~J..!.-~,,'.!:h .' ~J~,,' ...,.-, " II c~ 01.11 (!. ..,:.a-,rlA.'.j" cf ...~II~.I i-- ... (h\l" '~(I..h/~J,--( r;1J8. $ ..I, ,~~...' 'I" . c,..-~ .u'.U~~.L?-i4. . $ ... ". ,. $ V (.... "'.1 J.tI(AJ.l ~ Co 'i1'':~.?I'N & # S ~.1..17,,,, S~II'f" $ ,2. ..: . c.- -J ,:." ,~'!"i ,,1;1 61>1 (f.."'t~. '/'"" .,.......1 r)~ /~~~",:;r n~"~.~~:',"~.I.~,.~~:,";~. " a7." S/,~?..., $ I~ 't. ,t., $ ,,'.f'! !- P'.'~ ,/ W ., Ire. i/ ,St'. ,- r~v..S $ $ $ ....r: !.. ./ .OJ 'S ,Fe L' . r-c Yt. "l":'rlZ ., $ $ $ no' V- LIST ANY NAMU UNO(R MilCH 'I'OURCR[Ot' REfERENCU ANOCR(lJII ttlS10flT CAN BE CI1ECKED $ $ $ .1-:+"1... s:- ..,\.."".1 . ".._,,~,. [.,..".1.,,,1..- TOTA..S I' A ""U" AHIWER II GlVIN TO A OUUflON. U.PLAIN ON AN Aft ACHED SHUT APPLICANT O'HI" ". "0 "EI NO '" '" "" ..- .. IlAVE 'fOU ANY OUlSlNlOINQ ~UoaMEN'St HAVE 'fOU ['vER FILEO'OR BANIIRUPlCY on HAD A O[B' ADJUSTMENI f>UNCONflR...[O UNOEn CHAPl[R 131 HAVE YOU HAD pROf'ERn FOR[CLOSEOUPONOR AEPOSSESSED IN niE LASI , 'fEAnS' ARE 'rau APARn IN ALAWSUlTf ...FlE 'fOU OltiER TH...H A U 5 CmZEN OR P[AUAN(Nl RUIO""'T ALl[N' IS 'fOUR IHCOlolI LIJI\ElY TO O[Cllt-lE IN litE NElT 1WO 'fEARS' --_._- ARE YOU ACO""'KER, CO-IIQt-lER on GUAnANTQAON "'NY LOAN NOl L1lnO AOOVE' rORWttOIol tHatMofOtheo10tl1lU111dCll'llOlIlI 'OWIlOU \Hlm.otC/_1or1 9 You understand thai ~h.n applicable. 8 Personal Identl'lcallon SIGNATURES Number (PIN) maybe tlsued. ThiS PIN, when vahdaled will allow you, the co.appheanl and any authOrized uurl, 10 access your credit "'hluo a~e ~ny umon', CREDIT CARD/ATM accounts through pBl1lclpallllg Auto- IInpMiJn a: "'ng'l. mated Tell'f Machine (ATMI notworks, lub'OCIIO tho lorms and you wIn nolll)' u~ dl"losurOI ollhe C,MII Card Ayruemunt and Ihe EleellanlC FuMs In wfllmg Itrlmu I' haRile, Du,elOliuro 10f CnEOIT CARD/ATM Aceen C.\fd You dtll/Y. rou t11~ undc,sland thai use 01 ~uur Clodll card Will conslllula o"lo.nowt. _YIDe o;tJt/'r uS edgmonl ollticolpl and RlJrUOmuntto the terms olltla CREDIT o any c snglt In CAnO/ATM ACC851 Card dllelosurlll. youl nemQ .c1aIUU Of IImp/ormon' - . -' I.< i ~/'hmil"M'ullabl x2/ ;:::.,...--..... r;7 I 'II IJms,hOIDa/tOl -----' --"","~__",~CI';_~'-___2.~_ --- - "A,..T.S!:.llj,....TUIl[ ""lll L. (I I( 10 CREDIT UNION INFORMATION Do not """'8 In 'hlJ seel/on- 10/ cloeM union usoonl)'. Ch9Clf applicable tJOi(OS) You also promise Ihal 8vory1hmg ~ou have slaled In lhll appliclUon IS COrTecllo the bOlt 01 )'Our knowledge and thatlhe abovelnlormalion IS 11 complolo hSlIng DI alt your dobls and obligation I, You authorize tho credit union 10 obtain crodll lopotte in connection With Ihls appheatlon lor C1edll and 101 any updale, lenowll 01 eltensionol the crodlt recolvod. II vou roques!, the credIt union WIll tell you the nlme and add'lIs1 01 any Cfedll buroau 110m whICh il received a c,adll r.port on you You undullland thai illS 8 federat Clime to wlllfullv and dtthho,.lll1ly provldo incomplote or incollecl information on loan applications made to Fedoral Crodlt Unions or Slale Challerod Credit iJllS 105urul1 by NCUA_ \ ~."-\....\;} (i.~,::Q.,-,-\..,- :T,l,h/ , - ~iut;;:r-u,ir t, ;'-1-fj ,,/ OATt A""nO....lU $ $ VAtI: ------ liMits !>IGItATUnf lll.l Uf CI~l()11 ("IIO..NO'FIC(A AIlViIK[ A"I"hJ.lli 1],(5: ;'lO ( ]CAltllf cot.nlllHl UH OIlIIR I .'OUlblUlldLlU,lAlIOl LotlSILlIllll IUllllhIOfu.hIAttmtj:'I'L,1I1111Ihll.iL $ $ --,- -~---- oUlm OlllEn .-- DfBTRATKJ I :t:!)\)/tlUllJHI II Will ur MA[J[, II ACCEPIlO. ADVAt-lCE APpnoV[O , ;.l!> : 11i0 I' 'IS AllACIIADU1TiOUAL SIlUI AhUOESCRIIIE Ult.t!llllEl-O\ljllllfjl'lll !,PH,.r Ie: Il( At.{1t,,~'1 r uH IliA. L III 'j iiui;uull(-i.'.--- --- ;!Llli'lOHI(.11l 1<_ 'U1I l,lt ,Cl,ll.l, 11 I I X ""11 DAlE x X noli (lATE I.r\\ A~'LI;U' 1 r I ~:I Credit Agreement . n....""lllAl.~f..u.~1 we.lft .,.., 11_ ~ IW. II ,1..1. Il.v.l~ r'I'>lIl,IO HOW TO APPLY IMPORTANT CREDIT INSURANCE CREDIT INSURANCE APPLICATION \bu must sign whother or nol insursnce il elected, 2 CREDIT AGREEMENT AND TRUTH IN LENDING DISCLOSURE $~~, WEST SHORE TEACHERS FEDERAL CREDIT UNION 1213 Slale 11,11 Road Camp HIli. PA 17011 17171737,~1r,2 '(/11 . Please complele red secllon 1 . Road sDetiLa 2 . Sign red s.ctlon 3 . Relurn Ihls Crodit Agroomonl 10 tho Crodlt Union . An Incomploto or unsignod lOll" may dolay ptOCU55tng . You Will recolvo your copy 01 tho Clodlt Ayroomonl and U\5uronco inlormallon Th.'ollowlng IS pori 01 your lOANlINER' Opon.End Plan. Road 11115 Inlormntlon boloro 810nlng on tho opposllo sldo ollhlS pogll, PIODSt.I 6UO tho occornponlll1g Addondum lor 0 dlsclosuro 01 your \lorious Loan Suboccounts, Prosont Annual Porcontago ROIOS, DOlly PUrlodlC Anlos and Rny additional information. Your crodll union will bo happy 10 ullplain the varlOUS Insurance oplions and covOfage. Tho cosll. reasonable. You con prolocl your "noncialluluro by .'gnll1g up lor volunlory credll Insuranco bolow. Enroll by slmplv indlcatlllg your prolerenco In tho "Crodll Insuranco Appllcallon" secllon bolow. "You" or "You," moan!i tho mamber and the 10101 Inlured tif appllcabla). sarnu "Ill accrUOI on IImounll 01 advances whIch .'0 added 10 you, Loan ClodltlnIUIB'\CO II voluntary and not flqulred In order to obtain your Oalance lo.n. You rnav 1010cI any Inlu,or 01 ~our choiCo. You have ostabllshod 00 NOT 6tGN nus APPLICATION IF IT CONTAINS ANY BLANK an open.tlOd Loan Plan wllh the Cledll Union, Your Loan Plan maV conllsl 6PACES. Thla :appllClllon II void ,nd will nol bl used In I contut of ono or maIo Loanl You pro applVlng 10 tho SOClulV lor crodll insuranco. II ,U blank apac.. have nol been complet.d. If Ihe m.mber hal nol You aulholllO Iho charOes lor lnlUfanCd 10 bel added 10 your LOlln aalanco atgned and dated Ihl Application, and II the Appllcltlon hll not bltn each month iJnd underaland thai 1010'0.1 will accrue on thelo cha'oes tho wlln....d. INSUR~ UEMBER ~ DAlE OF Olmtt ACCOu,",I NUUUEH _ AULh WTl'ff'N -.:ft2. B-3lfl~ JOltH NSUREO UEMOEn ' DAlE Of BIRttt ACCOUNT NUt.lOcn DAlE OF ISSUE OF CERtifICATE SECOtfDARY BENEfiCIARY 111,............-.._1 UNDER CREelT LIFE AND DISABILITY. THE MAXIMUM ElIGIBILITY AGE FOR COVERAGE IS 65 WITH NO TERMINATION AGE REOUIREMENT THE FOLLO"'ING STATEMENTS MADE DY YOU ARE REPRESENTATIONS ANa ARE TRUE TO THE DEST OF YOUR KNOWLEODE AND DELIEF: CREDIT LIFE INSURANCE CREDIT DISABILITY INSURANCE o COVERAGE SELECTED YES NO COVERAGe SELECTED COST PEn 1100 OF youn UONtHL" LOAN BALANCE COST PER 1100 Of youn UOkIllLY LOAN DALANC UA.IUUt.l AGE Fan INSURANCE PREMIUM SCHEDULE SEE SEPAAA TE RATE SCHEOUI.E ON TlUS DATE. ARE 'tOU Ptt'tSIC.AI.I.V WORKINGfOA A SALARYOA WAGES A UINIUUU OF ilS ItOUA! A WEEK' ARE YOU UNDER AGE? 65 M,uIUUM MCNTULY TOTAL DIIABILlTY DENEFIT 600 CflEDlt DISABIUTY MA'UMUM AO' NONE fOR INSURANCE . I\. SIGNAtURE OF .JOINT INSUR ~ X , wlWESS t X . This lOANlINER' Crodll Agroomonl and Trulh In londing DlliClosuro Will be rclorrod to as "thiS Plan", "Vou" nnd "your" mean uach pinson who signs lhls Plan, The "credit union" means Ihe credit union whoso namo appoars above or anyono 10 whom Iho crodit union transfers Its rlghlD under Ihls PiaI"', HOW nlls PLAN WORKS - TIl. crodll umon anllclpalus Ihal you Will bouow monuy (called ncJvnncus) unller Ihl5 PI"" frOIll tilTH} to limo, Tho crodlt union, howovor, Is not requlrorllo make advances to you under this Plan and can rofuse ,I rcqutJst lor on advance 01 any lime. Tho Addendum dcscllbo' tho ulllerenl types 01 credll (callod 5ulJaccounts) aVDllillJlf unuer lhl~ Plan If you havo becn approvud for crudlt under n ..ubitccounllllilrkud Wllh 0 olor (,). you Will bo givon 0 spoci"c credil IImll lor Ihe' subaccount, For olhe, subnccounts you may nol be given a speclllc dollar limit. PROMISE TO PAY - You prom". to ropay 10 the credll union all aiJvances mmJu to you under thla Pion and any applicable charges descnbcd In tho Addendum logother with Inler81t on what you owo unllllho lolnl amount hos boon ropald. The Interest raiD depunlis on tho subaccount unde, which Iho advanco II made. Tho Alllhmclulll shows Iho cur,enllntoro61 rolel as dallv periodic rol~5 ilnd IhOlr corrcspondlflU annual porcentago ralel. IIlhe mlorosl ralu lor any or all udvanccs 15 Q varlablo interesl rale. Iho Addcnllu", ullplalrlS haw tho vOrlablo Intoro&1 rale work.. (Conllnued) BPAln "'L EXHIBIT B 2 . CREDIT AGREEMENT AND TRUTH IN LENDING DISCLOSURE Conllnuod, 3 SIGNATURES 4 CREDIT UNION INFORMATION Do nol wfl/o In Ihls 5Oclion- for credit union u.. only, Chock oppllcoblo box(..). PAYMENTS - Tho amount 01 pavments lor' (\I. nd\lonc,u l!i 'l.JOlurminud nccotdH1g 10 lhu paymont bchodulo III 1110 Addundum P.lymOnl5 aru dut.! on thu IdSl day 01 oach monlh unh'Mi a dlllolunl dalo I, 101 by thu crodll union 01 lIu) IHlIU of on luJ...llnco II thu Addundum hns no paymunt schudulu lor U Bulmccounl, thu amount and duu dato 01 parlllU"!5 will bu dulUrlTllflud 111 tho tUIlU of oach odV8ncu. Payments must Includu nny amount pust duo ill1lj uny amount tJy whIch you hovo olcoudod nllV cfudll limit you hu'fU buon UI'wtln lor 0 subaccount. Vou may propay nil Of I'lIft 01 ~hill you owo at ony tlmo wllhoul ony p'opoymonl ponally COST OF CREDtT - Tho dolla. omounl you pity lor monoy borrowod is collod n hoaneD chargo. and UlJOIf1S 011 tho dato 01 each odovoncu. To compulo Iho fmanco charoo, tho unpilld balancu lor oach day SInCO your last paymont (or 5111CO nn ndovRnco II you havo nol yot modo a paymonl)Is mulilphod by tho IIpphcuulo dUlly poriodlc ralo. Tho sum olthotio ilmounts 15 tho IInnnco charuu owod. Tho balanco usod to compulu tho IlnilncO chargo 15 lflu unpDld balanco oach day nflor paymonts Rnd CIU(1II5 10 that balnnce haovo beon 5ublraclod and nny now advuncus hovo boon odded, A Ilnanco chnrgo will bo compulod soporaloly lor ollcll 5eporato balance undor this Pion. SECURITY INTEREST - You og,eo lhal 011 odvanco. undor 1111. Plan will bo socurod by Ihu shorus and doposita in 011 joinl and Individual accounts you hoyo Wllh Iho crodlt union now and In tho futuro. Additlonolsocuuly Will bo roquuod dopondmg on tho sub. occounl undor whIch on advance Is roquoslod. For oxamplo, a subaccount collud "Nuw Car Adovancos" moanallle sucullly Will bo 0 now cor. Sharos ond do posits In on Indwldual Rolitornont Account and any othor occounllhat would 1050 speclBl tOk truat. mont under stato or lodorallaw II givon 05 socurily oro nol subjecl 10 Iho socuuty interost you hovo glovon In your shoros and deposlls. Prrperty givon os socuuly undor UlIS Plan or for ony othor loan may SOCUUt 011 amounts you owo Iho credll union now and in tho luluro. Howovor, tho crodll union spoclhcally waives any seculIly Inlo,e.t it mey havo In you, dwelling. glvon Ih,ougll ony other mortgages or socullly agreom...l!s. DEFAULT - You will bo in dela"1111 you do not ma~o , paymont 01 Ihe amounl required whon it 15 d~o. Vou Will bo In dolaullll you b,eok ony proml.e you mode undo, Ihi. Plan 0' II enyon" I. In dolaull undor any socurily agreemonl made in connoclion wllh an advonco undo, Ihl. Pion. You Will be In deleult II you dlO. Ille lor bonkruplcy, b.come in.olvonl, II you m.ke ony lal.o or mi.' lo.dlng .talomonls In any cred,l oppllcallon or updole 01 c,od,t inlo,mallon. or II .omolhlng hoppenl which the crod,l un,on be. Ilove. moy lob.lonllally roduce your ability 10 repoy whot you owe. Whon you o,e In dolaulllhe crodlt union can demand Immodlelo peymenl 01 lhe enllre unpeid bolance undor Ih,. Plan Wllhout II I. Impullunl Ihal you re.d elllho p,oVlslun. ollho C,udil Aureo. I ond Alldenaum Ihoroughly bolo,e you .Ign bolow, You havo :? ,,~ /~ f/;;f~L DATE APpnoovEO $ LIMIT'] _____ 6lGNArUnE $ ._,.." --"------ ll"E OF COLOlr Olvlng you ndY4111CO nol:eu. lIunrnud1.110 paymunllll demandod, you Will conlll1uu to pay '"101051. at lhu applicnblo 1"lofeat rololl In olloel undOf Itus Pion. unlit whal you owo has boon ropaid. II o dUl1lllnd lor IIIunudli11U p.1Vlllont h.15 huun modo. Iho !)horu5 and duposlls lJIOVUIl il9 bUCUrlty for this Plan con bu apphod lowards Whdl you owo Tho CIUdl1 union cnn nl50 0..urC15U or.y olhor rights glovun by law whun you alo In dulault. PROPERTY INSURANCE - You Will bo ,oqullod to pu,chaso proporty 1I15urancu on curtilln tvpus 01 Bccurlly thai you glove lor udV4mCU5 Vou InaV pUfChutio tho Pfopurty m5uronco Irom onyono you Ch0050 Ihnlls occuptnble to tho crudtl union. CANCELLING OR CHANGING THIS PLAN - Tho c,od,1 umon hos thu floht to chnngo tho hums of Ihls Plan from limo 10 lImo allm gloving you iJny ntJ\/an(;o notlcu roqulfud by law. Any choogu Will i:lpply to lululo adovaneus, and nl tl10 dl9Cftltlan ollho credit Ul1l0n, and sublect 10 ilny fequuol11oll15 01 tho applicable law. Will also apply 10 unpaid be.1lancus. An IIlcroa5U In tho dally pOrlodlc filla undor a vnriablu intufosl folo 15 nol conSldOted B chongo in IOt01S undor 11115 Plan. Tho crodlt union cnn cuncol thu onlllO Pion or any part 01 thiS Plan 01 any limo. You con concol thiS Plan 01 any limo. Your obligation 10 poy Iho unpmd balances undor Iho lorms 01 this Pion continuos whethor you or Ihu crudll Ulllon caneul thiS Plan or ony pall 01 Ihlo Pion, STATEMENTS AND NOTICES - On a ,egule, bos.. you Will rocoiovo 0 slatomont shOWing all transactions under this Pion during tho pOllod covered by Iho sl.Uoment. Slalomenls and nolicos Will bo mailed 10 you Ollho mosl roconl addloss VOU hove givon tho credtl ul1lon in wntlng. NOllce 10 anyone 01 )'Ou WIll bo nollco 10 all. JOINT ACCOUNTS - II thIS IS 0 jOlnl occount, each 01 you aulhorllo. tho Olho,(., 10 got advanco. IndIVidually under IIIis Plan. Thai moan. an advanco can bo mado upon Iho ,.quo'l 0' only ono 01 yoo and thai the chock can uo lo.ued to only one 01 you. II you give Inconsistent 10511UCIIOOS, tho crodll union can fofuso 10 lollow your In.llucllon., Each ollho.o who Ilgn Ihl. Plan will bo indiVidually and jOintly responslblo lor paying the onlire amount owod undor Ihl. Pion. That means IIIe cred'l union con enlorca II. ,1 gilt. unaor Ihls Plan agaln.l any ono 01 you IndlViduelly or agalnol all 01 you logolhor. UPDATING INFORMATION - .Vou p,oml.elhel you Will promptly glovo the erodll union wntlon noltce I' you movo, chango your name 0' omploymont, or II any Olho, Inlo,mollon you provided to Ihe credit ul1lon chong05. You 0150 ogroo to provldo Ihe crodlt union ordolod financlallnlormallon oboot you'lell upon reque'l, Tile c,edil union con do lay .nforclng ony 01 tis rlghl. any number 01 limo. wllhoullo.,ng II. rlghl.. II the law mOkol eny lerm(l) 01 Ihls Plan unonlo,cooblo. tha Ollie, lorml will ,.meln in ell.ct, load tho LOAN LINER' Credit Ag,o"m"nt and by ,Ignlng below, og,eo to bo bound,l>y 1~I.e l~d: 01 Ine ag,eemonl. -Gl. ......JI' ( \ '- - " X '''~"\~'+_\({'':\''ll''....i ?.4:>~ SIUNAlunE I tJ';.;';"I'T~ $ --.-----.-..--.- 1\1'...... _______ .0'1411II DEBT RAno OLOAN OfFICER AOOVMiCE APPAOVEO DH5 Dt~O lJeoUNT[n orren WILL Dr MACE. IF ACC(PTtD. ADVANCE APPROYED DCAEOIT COt.lt.ltTTU OR OTHER OUTSIDE IhfOIlUATlOtf COt,SIO[f;[O l~'([s C'40 IF '(( 5. AnACtt ADDITIONAL SlllET AND OESCRIOl flEFEnfl[Q TOIHEASO'l\SI reA RHEARAL: orsenlDE COUNTER OFfEn 6PECIFIC n(ASQtl(SI FaA REJECTION BlaHA TURU: DLOAt40ffiCEI1 OCHrOlr COMUtlUE OAT[ DAlE lL- X___,.___ UAlf X_______,__, ,,_________..1(,____ U tCllA tlOlll.:f M,O fl[A5Otf fOil Il[Jlell(1tl ~;r'jT on Ulllwt:IlIIJ l)tl 1ll;;~--;;~----. ",. llMIIAlSI 1',lCil ~ .-- t'l I'II~ il\l'rrr1\Pl: iI" frll"( 'Itt'~ Il" prlt,: U'\,[,,, 'fill r I'll rrf(~'! Uf. "'1 y,h:'~,. ~',\llll (If'l:r~ l~' P~\"I:)' O' pIOOI(\1 (I,,",.r;tor 10 1~lr nIdi: 'JIlI[1'II' M\rr1lo dJ!>(I Ildnll' Iljll1l'~r!l ()!ll~l'" a'HI~llllf'nl aile iH11(':11 10 ~t\l1f1: I~,l crrdl: l'I}IOI1 i1~~lun~ It )'(1.. ra'lerl V('U' Ifl~Ular\(l' ind pl'l a 'rlped. tfle fICIN 1101)0 IIJ! . tlll'l: 10 1"1" I (lM,'i IrIIl" (,lit.):! "~"I'rrrll'!ll /., rrlI'I(nrr: h' "Iht :'J~'a"~l ' rTltolf: lh(. lh( 'r',Jn~ Illtlf 11:('rr'1)' i~ lo~t fl' d3mJ~"d Ihr rrr~11 u.,:c" (zn us, l~c jllll<JIJf\l I' Ihl 11(,1 Lltll'll'r "'.'flit Ih.l.rhl" AL u~ft"t'nrr\ III ,Ou' m~a'l Cae!l I:l~ura'$r !(lIlfllll'tl: llllt;Ji!I' t'll C"Clllf'lr or appl) Illu....~rtl~ y,tla: )'U~ 0\'" " "I V.!l1I t.11.l!1~ 11m ilUft'flllrnl ~'(lU ilUl'I{IIlf HIC rrl'1'1 Ulllnrll(ll,.dt)~ arw dlatl 01 rf1rc~ wh"lch mar be p'Yi'l1Ir Illi ';;1 cURIa ron lit( lOAN - II-. bl\;fl nc Ihl~ flfrufl!} i1;'ftMlr1! I.. thf lu VOl' III pdt' 101lhl [II'IM uruon lu colier I an)' 1l:lund 0/ Lrncllu, t:ut undCl f,IIJrlolllHI aIr.. (ll UIlOfr II" Molltrrfll~ ,rl{'llrlD II, Itlt~ aC'rrllW\! V..fl,rtl I~ ()II ~(1"r 1'1~U'li1rt' fl(ll:c), , Ult LilCI, 01111\ llll'C,_ )'IJU II'Ct!\( hJ' 1I1( I'll iP1Ct, ~Ol' Q'\ I I'lr ertd,l U11:n II \'OL' dil nrt j)iI\ 1111' lale!, Ollrr!l (1fI Ihl' r'opt'rtv ~"rf1 dut' or ~erp I: lmult'~, ~h..ll!. ~n{)"'1l OI~ l: !.l'CUIlI,llllrrnl H; lllr f'rilt1rfh dBtlltllC inltlt' "!It'ClHII)' I~)t erf d,~ U'ht~ Illa) lj~~ I~[sr ot!hQ~II(ln!. bll! I!. nol ft'Qullrd Ie d':. t.v An~ Otlmd' url+on Ulr firrl.JlIlr lnh.tr~ I )'0.1 $I_r lnrlJdl!. ;Ill attU\I{'lrl!. m:1at'~ Irll (lrM unl01 tN'nd~ for laiC!. Icu (\1 In!>ulancr WIlli be ItJdt'C 10 A((CU10Ut. art tfllng~ ~Iuch iIIt Ilt.Htll'd II' {I! ln~lallrd tlllhl I}lLprrl~ no", Ihl U'lll;:d hat,111rt fl! Ihl ad.'ilnt\' and )'(lU will pa~' Inlnfs' on lho\t Irnoullls 01 itll!l!' lulUlt tht !,t1ulIl\ Inltrl'~1 ilsl1l'H'ludl'~ ,n) It'U',l(l'lllrnl! lu' tIll ill Ihr 5;1tll( lall ~'Ui.J 'CIrri! 10 p~~ on till.: illh'ilr'll(, UI'I( (r't!.: Ur'l.{'!\ adds fl'O;'f!lj' ~hd ~vu bll)' ",'tlll'l 10dJi~ 11llhl ad..a'Ke 0' a'l, r.lrnWlfl!. ftflrl\Jh a"'\~I'nl~ I('r 1.11('!l IH!l, (It m~lIWlC( 10 Ihe u1palC bala..c," Dr YOU' a!:t'anc!. (lr If'mil'lClnC 0' 1hf 111.'311:1 II al~~11nrluclrt an, fIIC1"'I'~ ~'OU It WIt t'(lITl yo.:' 1ll!,'lI1r'lt! 1I1J~' br I!ICII'a!>t(! tl~ Ihr amounl nrcrs~alv 101 lhl ildl'ance !>cjI,n~ Itll' IltlJpe'tr (H 1'11"1 m!.\Hillrt ~'{lL1ll,hl (Ill I'll 11t(lPr-rl~ 11111' \;:tlur .. I h I h I {II lIlt rft1llrrt~ dt'cl,nf'!" YI'I; ll'MII!>l It' Ctl'l' l~r [t('tlol Lilian I1lOfI ll'l'lltf1y 10 Ll ll3ld oil 111.lhc Samt ntlm~'t'~ (J monl ~ Drlglll~ 11 ,r.c edu ee . a~ !.t'curlll il U~tl! 1(' du !Ill DEFAULT - "01' ",.11 lit ir) C1rlauh If VOU l.lrt'lr. any prorru!.e ~o~ ma~(! under WHAT TIIr SlCURlH INHREST COVERS -lh( t.l'curll\ Inlr:c~t s.r(utr~ Ihe .. 1""\ IO't'i'l1lpnl ,,"nil ~Illtko It, in delaullll vou are In del.Jull unuf'I the lnt.'~ll'l(n' r.lrrtrt ^O'I'rnli'nl II )'OlJ 1'1. plf"dgl10 ploptrt)', bill have not '1~l')ed .{h'inCI: anC .ttl~ rlltn~'nn~, rfl1l't."'~ 01 lrll'lilntll)g~ ollhl art"~"'ce II alst, Ihl l Or.thlt..E R' r:lt'dll AQrermrnl you WIl, bl In drl.Jullll anyont I! In (1!laull Hturn an\ olnt'r ad~'al)cr! ~o., tlil~'(: no~ III le[(~I~'{ In IlIr ""Ult under IhL ~ho hi' 'lontd Ihl' lOM~LlNmt Credll Agrerment lOANt INE H' Clrilt! Agtl'ClIll'l1t 1M III,' otrU'1 emounl! )'OU OWC the Cf(~j'l UrllOn Inr In~' r('l!lon nCi..., or In th( lullJI.. IIlht IJ10l1111y dr!.cnpliOlllt rn31\1'~ \101111 WHAl ttAfPlHS IF YOU ARE IN DEfAULT - When you Ifr In dtlault, the IW(l '1II!. ("1 01 Ult' fl'oprl1~' I!. hOLt!leholl1 gooth a~ drlll1l!l1 by thf Clt'dlt crrdll Union un .....IIhoul al1~'antt noll(' 10 you, '('Quirt Immedlal[ p:l)'menl rfil:IICf RJI(.I~l plofle~I~' ,",'If! HeUl1 onl)' I'll ad~antl' itrl{' no: (l'hr' t1l1lounl~ 01 Vltlal )'(;U 0....1 unIll"lhr l OMlUNrR' Credll ~glttmtnl i1n~ U~t ptrsse!lsion )'OU OM ollht ploperlr VOJ agrte the credit ul'lIon ha~ the IIghl tr t.kr flossenlon (lllhf f1lopert)' v,llhOul pOlflg 10 courl ana Y,1lhOul glVlng ~'ou Id\'antt nohce OWNERSHIP Of nn PROPERlY - Ynu proml!.f Ihal ~'ou ol'l-n tht P10l'lrrty, II VOl-Iff ukf!ct It) do t.ll b,'lhl' cfedll unIon, you pfomlse to dt'hvellht J\:ope1y Of 111I1I~ aova'lct' I~ lu lJU)' lh{ prOprr1)', you pro till!!!' you Will usP Iht sovallet ala Ilml Illll plan tflr tlcd!l umon choose~ The cfedl: union .....ill not be lor lhat 11urpOU Vou prO/TlI~f Ihal nr, 001 tl~t ha!! any Intereslm or tlalln .uponslblt I(\r '"l' at 'rOiH t1lhr' p'opelly nol e....ve'co b)'lhl~ Igrrrmtnt, th.l i1golllJ!llthc JHOjlrrt) Ilia! ~'tlU h'~'f nol IlIead~ luld Iht' rled.: unior. about Vou )'0:.1 Ifa','e InSldf lh[' fllilprrl) The cllj~t unllJn Wll; tr)' 10 reMn Iha~ p1ope1)' llfOml5t nOllo !it'll orlenf Hie proprrlr or 10 Us,(' II a! !ifCUIlI~ l~r Ii lOin wilt! .noUier tledftol unll: 1he aOl'ance IS rrpa'd You ptOrTllSI' you ~il' .UlJ'o\ no !irCUIlT}' HI ~ou or rnakr It a\'illatllt. 10; ~(lU to cI"O! InltfUl 01 lito 10 Inach 10 Ihe pIOPl'/lt' fll'II" b)' )'our aellOn! or b) oprrallOr, Attef the rrrdlt Union hu possession 011~P. property, " eal') sell tt and apply 01 law Ihe monc~' lecelVcd 10 Iny amounts you O~[ Itle credit union TM cled.t union PROTECTING TH! SECURITY INTER[ST _ II IOU' .Ial, I""" a ~II' tor Ih, ",I! gi" YOU nol'" 01 a" pubh, "I' 01 Ihe dale .htr which a P""I. "I, pfoprrt)', )'ou t1fOAl:t.e to hallt Ihe C1eOII UlllOIl'~ !.ecufi!) !Otrrn: !ltlo...n on y,,1I bf' held lhe e.-prnses olltlt crtdn UOl()l1'or taking po5'S!SsiorI ol.nd "'limo ttlt title Thl! [fedl: union ma,. havf 10 111(: whal I!II lalleel" !manClng 5talemcnl ttlt pIOpe1)' ~11! lit' dedLlrlrd flom Iht money receiveD Irom the ule ThOSI to protect lIs seeunl)' l'1ttftSt hotT1lhe claims. 01 (l\her. II ISkellltl do so cosIL mal' mttudt Ihe c051 of storing 1ht properly, plepannC n lo~ $ilt' Itld ~01J prom:se to S'igrj a Iln.nemg !it~l['ment You also promSf 10 do \IohiltPvfl .;tMornt"j",lru Iv t''If fllen! permlt1ed urtdel ,late I.1w or ......alded ut)der,~{bj else Ihe rledll uI'UO:'1lhl/)~S l!l necesurlj 10 prolect It!> r.1'Wtll~' mlerulln lhe 01 thr Ban~luplC\' Code Tht rest 01 tile. salt monl'~' WII: be I,pl,ed to "hll f,llopel1y you 0....[' undo the lOAf~lINERI Credll Aoreemenl USE DF PROPERTY _ Untl~ the ldl.ncf flas bt'er PiI,..' otl you nln'l'l'~1 )'(1. II )'(I~ hnr agft't'd to (1)' thE adv.nce, you wi!: also t!2V[ 1(, pal' In)' .mount wlli tl) USt Ule fJlOl)frl)' cl'elul') Ino "UP II m ClOD, tlll:r,;j,: {I, Obtai" ~Imen. Ih.trfm:.''1! U1Pilld Ihe' the ",If monl') has been .pp~ed 1('1 tnt unp,IO bal.Jnce permlSSl{ln troml'lf [rU'tl umO:1 tlrlofr making ma,('l' r"""OI'5 !(ll~e f'rO;Jt'rl~ (ltlhe aj":I.1Cf and to whal )'ou O~t' under th15 ao'ecme~t VOII agree 10 P.J, (31lnlotm tht crejl: UnIO" III wnlinO bt'lo'f (hal1g11' ~'OJ, IMrf~ (If ltl[ '::Idre~~ Inlt:r\t on thallmouf'l1 a: Ihr um[ latl; as the ad~arlce unll, t~d! amOun' hu 'l'l'hele Itle P'Opt"I' U ~ep~ 14; AI.o..., ltlr Cledlt UIlIO,i 10 tnt.NCI th(- prOPf'l1y tlrrr, palO 151 PIOIl1IJII, no~~ lnL creo:! u",unll UK p:w,np' oamg'U:o!er, 01 ,:"..e OElJ.V IIi [NFoRCING RIGHTS AND CHANG[S IN THCAGR!!M[IIT - Th' 161 flOI m.e t~, JlI'{lPf"1)' lor 11'1) ulJiay.'tu! pllfpO!e crej~ un:on Cd1 d~lar enlorong a.'y 011l!= nw~ts under 1M a~leen\('nll"')' nu'T\bt~ PRDPERTY INSURANCE, TAXES AND FEES _ 'fOl' promise to p.)' Illlile~ (I! IImfl wllhou'lOSlng HIt- sblhl)' tt) raelCISt liS Ilghl! Itlel lhr creCI' union and len (Ir~e Ifo'slrallor, IffU due on the P'OPl'rt~' and Ie ketp IlIe ptopert~ can W1J'~( HI~' agretmenl apainSI )'our he,!!, 01 legal replese~t'lh'n 'UII'\( Insulfd IQI11S' InH a" damage Thc Imoul'll ana eN'r'agr 0' II1[ p'ol"r~y Clrdl' U'lljr, cha'l;tu the le'lllS ollhrlOMlllNER' Crtdll AQ'tf"ffle'lt. )'Ou ag'ft Insut.nCt mU~l be UCf_plat11f' ler Ille rlt'dll unl(J~1 'You ma~ p'o\olde ttlf' p'Opr1)' that tlJ~~ ap'nmenl ~W conltnut Ie plottct ttlt cledlt U~lon lnsurlnU' Ihrough I poller rou IlfUj~' h3\'f or 1fHOIIOt-, a polle\' yOll ON ane! COlmNUED EffECTIVENESS - Illn~' Plrt ol1hlS lorfemen: i$ cle1ermned par 101 V(I~ r'om~1 Ie ma~[ lht InSular ,I' pollc)" pa)'i~tt It!.Itlf crfdi: UtIlO, lI~ I co.,;n te br ul'lt'nlr,lCublf 1hi ItS: woli lemal~ 1ft ffte~1 FOR-TENNESSEE-C'R'EOTT-UNlot.ni'ONLV-=------- --"em NORTH DAKOTA CREDIT UNIONS ONLY - APPLIES USE WHEN AUTOMOBILE IS PURCHASED ONLY WHEN A MOTOR VEHICLE IS PURCHASED NoTIC[: Ill'OU or no: pll.t1"" Ihf ,,,,urane'IfQUI"C P" I'" aclO'"P~,I, tlJliCl Till I.IJTOR \'!IilCLl Ih THIS TRM~S~CTIO~ MIl' Br SU~, ."e th, '''0: U"M, P"'h"" III[ 1n!1I'"'' t~, ,","""" pJ',',mJ JfCllD RfPJSSrSSIJI/ If IT IS REPOSS[SSED A'ID SOLD TO SOI,1I0'1[ h t~t Cffjl: urU~1 WI!: CNff o!.l, fill c!rjl~ Uf,lJr-,!: tr.tf~H! If, l'lIlJ'Gjlf't1~ Cl Sf. "'J~ I.U I.r.~O~I!,T5 OJf TO TtiC SfCUREO PART~' "'FIr 'lOT 1", ,"suranct 0111 nol b, 1,.b,lllt ,"'urane. JUCflVf[II'/ TIlA1 SAlE YOU MA\ HAVE TO PAY THE OIFFEREIICr \'ou ha~'f lfad Ih( atl{l\'r' S1ilh'nI(1'I1 arjd an,'1P,^lrdoe lhatllle rred,' unlO' ha~ e)plahrd I: Ie )'(11 . i.i1"'''Ulo'-----. -~ - - _......-., --.- -.--- X f"t;',;iTUi<C.------ .- _______u .-- .------[;;:11----. X IJONoT WRiTE 'fiECow -'::':FCllfCRE[JIT'UtIIONUSEilNL Y Co.;:'-'" 'f .,;-,~;--- AI'I'IHh'IO 5 $ S $ " Il.l.t[ lll,lllli (.I(i.;r.1UIII Iltjl OF {nUl,' (JIIIIII OllnH - --~,- --- 5(01"'-'10-_._- r ILOA" OHICUI '-'(1\,1.1,'1 ....'1'1..)\ 1;'1 'I!:: '.,', (-Olll,1[f. 01'( 1\ Will Il( ......[\1 If "'CC(J'I[() AO.........C( APpnOV[D [ :CRUJIl rOUl,lIT1(1 OR U'1l1 A 0,"5'.\1 11.1 i.\lil.l.l.11I1h In'4~.'{'IIl[ (I ,'" i - '.1' II" Eo "llAnl "'O{'l1110'jA( (ilirn ...NO orf:.Cl\lm IlEltllAlO 'OJlUA!:oO~Sj fOil III I I Ill\A1. -..--.-(#1",---- THE PROPERTY DESCRIPTION ON THE REVERSE SIDE IS PART OF THIS AOREEMENT. NOTICE: SIGN THIS AGREEMENT ON THE REVERSE SIDE. ()[SCII,I'I, (0.1',11 n lIllll. r,I'(CIII( 1I1.~':l'j l I OJ. IIf JI (11(\1; 'I(iN""URU 1:10"'" (lHIUP '(Jilll" C!lUI.1'11I( ~ _u_ )( II"q )(,. X OA'[ 1'.11 OAt[ f. leOA I.OT!.:1 .u.:',.,,,r,(II, '1.)1; 1IIIIr 11:11, !,l',l [III (,Ill'llltt {)', 11''''1 III 111~~I.l.1 51 ....'1''',1 I" l" '_, " '... I I, J 1.'0 1 I ,\:e\\Cbers Federal ...e ft CJ'fl ",,0" ~. ~v 'l' t? ~q"I'.J" ->~. ~ o~ STATEMENl' OF ACCOUNI' DATEI May 1,1996 MAKERl Paul L.Cawthern,Jr. WlAKERl HGlE ADDRESSl RR 1 Box 108 G Tower City,PA. 17980-9604 OUR Accr/l 3365-015 MAKER SOCIAL SECURITY H 173-48-7690 WlAKER SOCIAL SECtlRITY H Principal Amount OWedl $3649.01 Interest 0Wed1 $ 156.97 Penalty (20% of Principal & Interest)1 $ 752.22 Total Amount ClaiJ1'ccll $4558.20 HAS DISABILITY INSURANCE ON TIllS LOAN PRDUUM POST MONTHLY 'lU PRINCIPAL BALANCE. EXHIBIT D 1213 SLATE HILL ROAD. CAMP HILL, PA 17011.8012. TEL: (717) 737.4152. FAX: (717) 737.0589 '. . '. ,...-..- ....... .-..---.....-..., " " I, .,," 'I NPIICI I' \' r' ""' ; ., '" f"-",'" r t.l"-.,'f.1',';','. lht UI!lulant.f IIh' nu; ;t ",;01";' ,fi!.\JIj;lh;t Yo, r,~.f IP;'r1''1f iltl~ . hJ~ I'l;::anrj It 10 )'C. (,-,(,;.;,":-;:-~----'-' X i;,.-i;~~\":iJi--' ----.-- X ilO-f/-OT WRITE -iiE'LOi~;-' -"Oi1'CREOi'r UN',ON U5E-i:"Niv-i;:,~;o;;,:~,;:;-,,, ,C',-;-;--- '.' . . I.,' . '," 11' I' ~P" .. rr. l' . I' t...t': ( (' 1 t. ~ I . ',.!t. ; ( .,', r "'"' ," t' i.' ., . " " . . . \\' ~ " I~ I." t 't : .' ',"'," , ' (., . (, :' ..," \'. "'" Tht H( ukT\ I' 'P Lt.' r~. ~ ;,~ -; ,t., '~'I!. It ~t~.' 'i"" In "Ir. . . (Ii" '!I v': . " , 'I" ('.' t.. '.l i.: .' ~ ~. l ~. " !' ," ri ~ ~', . '. ~. '.. ... }OJ [.,',f O\q,(~.~H:r (lr THe n:qrn , \ .. !\ I', I' \, I' v"', t '-0, t r,.. .,t., I' \, .f r' 20"!;~' lOt 1'1" V' ;.'.. ~'( b ; ','r' .. I I" Ii , '. .' ~t ',' I'.' I I, I ;; 1; eM ,'.'11 ~'::t!'H .' "~. r....'I'}.\'I."i.' 'l'~~':,,") .!'_;...t....t\\: <Ii! 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I' I! l pll -I' 1~ ,/,. . ,,+-' .,' :' r'r~e:l ~'.e r't. : lJ"'" ~ rrl,WJ\lrO [fnrll\'p.:r~F - I ~ r~" r-I t..~ .!"'l,~.t~: I~ ('flf'.......:t t, .. r" ~ II Of . , : \ J'. :r 'l' \'. 't" -;., .. r' I" , .. 'rC'r\ ,.'r-r.T" tlLI:C"'r:' rnrPIT ur:lb"r:f tiht ,. ''': -i.rPLICf O'.l \' \. "P. /, '.';'TCr. \'!I':nr If r.II'iCHAHl' -- '\~~iU '1< f.\.liW \Phd ::11l~~ l~~',~L~'tI~I" ,::\ E'~ S~j! J:,': 1; h';',-:~~;~( ", tt t'l~ p.~p=,~';!5S(:'L..~-~,o.ri( ~.".':O\L fi~! i.I,: '-.. l.',','.":t 1'.:1 lCl1hl SECtJF.rlJ r;'"il A~t ,..~Y Pfl'fI\'IP "i "I" f'll VOU T."V HAVE TO PAV THf O"FERE'ICE THE PROPERTY OESCRIPTlON ON TIlE REVERSE SlOE IS PARt or TIllS AGREEMENT. NOTlCL SIGI; THIS AGREEMENt ON THE REVERSE SIDE, s S (\:1>111 or-pTJ1"iCl---- ('lillI', ( 0.;',111, fill I Ii \\..1 111 l.4~l'l 11 ,t,( CI 1>110 ,t,ll"""Cl .JOPROV[D H~' 1,(' If \f!: ~lUP' A{lO.ttO"'''l S'IErl ""D NSCRIl!1: 0"" OAT( x X 1l41t: 1,,1.11 ,.,..11'" /''''I&.f. Application ~ ~, (7';'7)1737':';~; " ~,. HOW 10 APPLY 1 NOTE AND COMPLETE STATEMENT OF INTENT 2 APPLICANT INFORMATION 3 EMPLOYMENT INFORMATION MILITARY 4 REFERENCES PIUBSO IIIc/udo Sltuul, CIty, Staid and ZIP. . " . Please completo reO ~l!CIIOI\!i lltlloulJll 8 80 bUrl! to duj('1I nil uppl,calJlu UO"Ua . S.un 5uchan U . Relurn nil!! nppl.cul1on 10 lho Crl'l.llt Union Chock Iho approprlalo boxoa 10 Indlcale Iha Iype 01 accounl(.) and Iype 01 crodlllor which you aro applying. Marrlod Appllcanl. may apply lor 0 .eparale accounl. a LOANLINERI Account/Loan a Credit C."d Account a Individual Credll: Campi ole Appllcftnl.ocllon. Complole Co.Appllcant, Spouaa, Quanmlor (relerred 10 as "Olher") .ectlon: (I) aboul your .pou.e II you live In a communllY property .Iale (Al, CA.IO,lJ\. NM, NV. TX, WA. WI). or (2) II your.pouB8 will u.e Ihe Account, or (3) IIlhera I. a guaranlor on Ihls accounl. Plea.e chock box 10 Indlcalo whom Ihe Inlormallon Is aboul. a Joint Credit: Provide Inlormallon aboul bolh 01 you by complollng Appllc.nt and Oth.r .ocllon. Vau REOUEST AN ADVANCE OF S Purpol.: ColIlll",l: Rlp.ymlnl: a Payroll Deducllon 0 Ca.h 0 Aulomallc paymenl n Mllllary Allolmenl n G Crl'l.M O.~utJlhly InsurdllCtJ ClIl!O, COWfilIjC(SjllL':>,'CJ Tht.! cled,lun,on ,^,llIuISCIO!iO 1110 cast 01 ttllS "'QlulltJ'V Insuranco to )OU A slma1al" 1t\!,ur.II\Ce clecl,on I..hlch ulsclor.es tt1U lerms ,Ulll comMlons must tJo Signed k;r CU~L't<lCJl' \0 LJel:oll\c 1'1Icl.:I,\oe APPLICANT Ploase pI/nf In Ink Of typo. HAWE IlMl. FnI .. 1M"" C\Av~..,..~' ll..\,l ~ _ DRlVUU UCEHSE NUtr,l8Ef\ts\,.TE . 'lp,. 16OC1AL SECURITY NUMBER /(,d !..-"'/ Ci)-;V) BUSINESS PHONE/EXT. L H:COUNT NUMOEA SOC/V BIRTH DATE HOME PHONE '-{.")....t:J.. 17L1'(, '{,)-,-{6f', I PRtSEN'I' "coroiU t51..... Cl}'.. 6-. -11Il1 ~ 0 ROfT 'R'I:l \ '(3..>'f." /<> 'Ii .. ~ ,....". I'll"-C_ (',\-,. ~j+n, >,0 ~'lsa 't PREVIOUS ADORESS (6ltMe - City.. aWl .. ~J ~ 0 RENT :ns- 'jl',\-T ST ",....,""'1'1" ,...."" Lf ...--,b-....- ATTHIS , f'~ ADDRESS COMPlETE fOR .IOtHT eREDtT, 6ECURED CREDIT OR if 'IOU UVE 5H A COMMUNITY PROPtJIPt 8tA,~....:... J:J1URRlED 0 SEPARATED 0 UHUARRlEO ISinGl... Ot\oorted.. W\dOddI Ull AQEI Of DEPENDENTS NOT LISTED 8'1' OJHER APPUCANT 1.......Ul1 T"~~,o.l \-'1'.,,\ "2...".. ("...,I-h", tw.lWD AOORE5S OF EMPLOVE" t'r'~\~ ~s,~."'\ \\"~"- \\.1'\\1"'\ ~.... N. !>4'rrcl ~ r "'"'l;"-J~ \}1'1,,,.. 1:'''1>':;\ c. \,\"",l,H..... T1TLEIGRADE SUPE:rM50n "/."/9</ ~tkE IF SELf eMPlOYED. nPE Of BUSINESS IF EMPLOY[O IN CURnENT POSlTlOU LESS T1tA" FIVE YEAR!. COMPLETE PREVIOUS EMPLOYER NAUE AND ADDRESS 5lAmltiQ DATE K. '\ \'l~b ,-<,,--1...,.> --'.;;!.;::.J:;C. ~ I .......'-^lv,.c..... "-"'- ENDINODATE \1lB;.f/l 17 II.).. /.:> -" ~ 15 DUTY StAIION TRAkSf [),PEelED OURI",a Nut ,"un U 'f'(S 0 NO WtlE~E ENOINQ/S(P,lf\ATION DAlE HAUE AND ADDRESS OF C"tOIIOI\i5) Of OtDTS PAID on UlEPllml[ ,.AUE MiD ADOIll5S or hEAllUiT nU-^lIV[ NOIlIYINIlWlltt'fUU ' ~02 \'1'\ Jl n,,^,\.cU). ,,', f), ~l..J_Kilil~~r...Jt,~"",,-dt>~!!lJ..I,LL hAUL "'''0 AOO/lrS5 Of f'UlSOUAL rlllLllO -NOl A nu.....'...C IlfC\tio-,jsiIIP- iloM't f'1I0~ ~ . _. ___. C_-,1_J:1 1I0U[ PHONE o CO.APPLICANT 0 SPOUSE 0 GUARANTOR Use "SAA" /I/nlolma/lon Is "Same As Applicant': HAUl ILatI. 'wit - INllaI) 'f ~..l L L-. <. '" vJ \-k..,.., DRIVER'S LICENSE NUMBER/STArE ~A ACCOUNT HUMBER .3~ 81mtt DATE HOME PHONE l60ClAL SECURITY NUMBER /"1':1 l/!r' 769'D UU61NEBS Pt~E' En 1__ ;:t'7-Gtl I PRUEHT o\ODRUS I, I " C lij........CIfy~6111.-ZIClI L I l!l-tlWH 0 RENT ~~ L; ADOREU ., !il11i<H a ""HT v...... y NTH" AOORUI COMPLETE r-on ~NT CREDIT, SECURED CREDfT OAIF~ LIVE Ui ACCUI.IUNITY ~OP3DJY &lATE: B"tlARRIED 0 SEPARATED 0 UHUARAIED ISingM.DM:wced-W\dl:IwIld) LIST AOE.B or OEPENOENT8 NOT USTtO BY APPUCANT (EacNd. s.11) I .. I ' I . PREVIOUS ADORESS ISllMl- City - SIISI- ZIp) .( \ ,\ L,~J,u.... TlnE/GRADE ffl,')/r,'1 SlARTlNG OrA E ;1 w ..r,..,q,..............t .......J... f'" ~,.. i'lJf\M'I. 6UPERVl60R NAME AND ADDREU Of tMPlOYER "3...'&.1 Q ~ 'fV,...-h. IF SELF EMPlDYE~ TYPE OF BUSINESS IF EMPLOY[D IN CURR[NT POSITION LESS THAN fiVE YEARS. COMPLETE PREVIOUS [MPlOYER NAMt AND ADDRESS IWITlHCI DATE lNDlHO DAlE IS DUTY STATION T1\AN6fEn [).PECTED DuRING NUT YEAR a VEl 0 NO WltE.nE ENDiNQIstlW\AUOH OME H""'E AND AoonESS Of CntDltoRtSI OF DEoTS PAID OFF TELEPHONE ---" - '."Ml AI.o .-.UDJI[Sfi Of NLAIlES' 1\[l,ATIVE '.OT LI"INOWIIII 'IOU AELAJIONSHIP HOtoIE PItCH! 'RXHTRTrr G ~liHii;jD INCOME INFORMATION 6 ASSETS Chock box lor ilppJICI/IIIO/h1U. (j,r all...",. and account numbetf.)- Anach o,ha, shaol. ,1 naclssaf)'. 7 DEBTS In aaalllOn 10 RanVMOIIgaga li.1 a" o,ha, dobll (lor ..amp/a. aulo Io.ns. crea" cards. "eand mortgag.. horna ,..,oe. due., alimony, child auppOll. child "1Il, medical, utllltJol, auto in,urance, etc.) Pie... use. "plI.te/me lot each eltdi, card and .ufO loan. Anach O/hor shael.1I nacas.ary. 8 FINANCIAL INFORMATION Th... quft.,Ion. =~both nt and Olha, ["i;""",["-i;;.oo",0. ~oi;IPOiit[l1 iNcOM"- ----- $ ,.. rw C -- $ r,n o NET iU-<IT1Oss 0 f? 0 . SOUIIC[ SHAne URA" 011 CUEC"'''''O AJ.tQUHl $ IAliINOSMlOUNT NAUE AND AODfl[SS Of DEPOSlrony C\l""""__'~", ~IL",. NAME AND ADORESS OF DEPOSITORY IN ~T ~ c:..U SilAnE OllAn on CflECKING 1J,tOUNT S \ ~ &.oWINGS AMOUNT ,. NALlE AND AoonESSOf OEPOSllCnY " HAUE AND ADDRESS OF DEPOSITORY . \ $ "'"-ICAHT ""'Ill ulr HOWl AHD ALL OTHER In.., YOU OWN AND LOCATION Of PROPlmy for l..."....... Doel. au........,.. eN't I.......huld~., nMl [.ule.1ilC. M"RKET VAWI PU::OOED AI COLLATERAL 'OR ANatHut \.DAN ,""'. 33:> "l'i tt!o c;:,,...~\. (l. ..)...:l $ ES NO .\u~ ")..1> \ ~.:::. l- (<.:>~ -G- Tc.M-I'-l.. .ldJ'il $ ns NO - '\ fV'\ u , G.... (. S ns NO .> "'\1>cLI\ Y'I-'-I ~ lI.l 1l1",c:I/t ~.I,.U' $ YES NO J ...,'UCANT OTHER ~. line!. Tu & In. CREDITOR NAUE AND ADDRUI ACCOUNT NUMBER ORIGINAL BALANCE PRUEHT IALANCE UDNTltL't' ,AYUENT IPPAIT DUE'; s ~ WST~c...u $ $ LIST AAY NAlIES UNDER WHICH 'lOUR CRltHY HifEAENCES AND CRUXl HllltDRY CAN BE CHECKED $ TOTALS $ $ JF A "YII" ANIWlA ~ QlYlH TO A QUESTION, DPL,AjH ON AN ""ACHED SHEET HAVE YOU AHV OUTSTANDINQ JUDQUENTS? HAIJE YOU EVEn fiLED fOR BANKRUPTCY OR HAD It. DEBT ADJUSTMENT PUN CONfIRMED UNDER CHAPTER 131 HAVE YOU.lAD PROPERTY FORECLOSED UPON OR REPOSSE6SED IN TliE LAST 7 YEARS? ARE YOU A PARTY IN A LAW5UIT1 ARE YOU OTHER THAN AU,S. elllUN OR PERMANENT RESIDENT AUEN? II YOUR INCOME LIKELY TO DECLINE IN tHE NEXT TWO VEAAS' ARE YOU It CQ.j"tMER. co.SIQNER OR GUARANTOR ON ANY LOAN NOT USTED "BOVEl fOR WHOM INMMI 01 Olhlrt Ob)lgaltd on LoMI: TO WlIDY INalN 01 ClMhlorl: APPLICANT YES NO OTHER VEB NO 9 You undarstand Ihat whon applicobla, 0 Pa"onol Idonlillcollon You 01.0 proml.olhalOyorything you havo .Ialod In Ihl. appllcallon Numbor(PINJ may bolSluad. Thl. PIN, whan yalldaled w,lIallow you. i. corroello tho baslol your knowladgaand Ihallha above Inlorrnallon SIGNATURES Iho c",appllcant and any aulhorlzod u.ara, 10 accos. your crod'l i. a complololl.llng 01 all your dobla and obllgallon.. You aulhorlzo :mpor"ha'~a~;a ~~~go. union'. CREDIT CARDIA TM accounl.lhrough partlclpallng Aulo- lho crodil union 10 oblaln cradil roports In connocllon wllh Ihl. c . malad Tollor Machlno (A TM) nOlwor~.. sublocl 10 Iho torm. and opplicalion lor c,od'l and lor any updala. ranawal 01 o.lonalon ollha Yno~~~gn~~%~~1 disclosures oltha Credit Card Agroemenl and the Electronic Funda crodil recolved.1I you raquasl.lhe credit union wllltellyou the name . Translor Disclosuro lor CREDIT CARDIA TM Accoss Card. You and add,os. 01 anycrod,l buroau Iromwhlch II rocolved a cradll/sport :~~~ r:~:::: UJ understand that use of your c,edlt card Will conslllute ocknowl. on you. You undorsland thalli Is 0 IOde,al crime 10 wllllully and 01 an ch '8 In edgmont 01 receipt and agreemenl 10 Iho terms ot the CREDIT dollberalely provide Incomplolo or IncorroctlnforrnaUon on loan yo , ~am~ng dd,o.. CARD/ATM Acco.. Card dlsclosu,os, applic!!li<>ll.s mado la Fodaral Crodlt Unl or Slalo Chartored Cradll o'~mp'oym~n' .. ~' .'- Unl 5 ins~1O by'!!> WllIunsfouona d X ... J ~6"",~x r.,..:J}QLJ tlmo fhoreaftor. URE ~r / OH1EA ION....'UI1E - ~ 10 CREDIT UNION INFORMATION Do nor Wf/'e In thl. .ac/lon- tOt ClfK11f union u.aonly. Chock app/iCab/a box(a.}. APflnal/ED $ $ DAle LIMITS 6lUNAlUIIE W41:oFCRl:Oir- LlLOAfi O'fIC[R "aI/MiCE APPROVED C] YES nNO [JeRrOIl COUYln[t on OTlllR {JOUI&IOE INfOHUArION COIfSIUEIlW nHERnED lOJl\LA50tl151 ron n[f(.llflAL. $ $ OTum OTHEH DEBT flATKJ [JCOWinn orren Will oe:: MADE, IF ACrcPTED.AOVANCEAPPROVEO Lly[s (JNO IF YCS. A""CIlAOOITION"L Sliftr AND DUCRlBE Ul&ClllU[ COUNTUI OHlIl SPlCI!.!.:.~A50U(DI fan 'Ir J[ellOPf 6IGHATURlI: CllOAN01 flcUl L~ u.c!~~!.!_r:~)..._~~!~~~_~~~)( . -------oAir-- X --+--'lATr--- ~--~__~,~" . ~__~,___, '... X,....'u DATE DAlE ICANltN!lap -Credit Agreement HOW TO APPLY IMPORTANT CREDIT INSURANCE CREDIT INSURANCE APPLICATION "'U must sIgn who/hor or no/ Insuranco ;s o/oCIod. 2 CREDIT AGREEMENT AND TRUTH IN LENDING DISCLOSURE . ~~~. WEST6HORETEACHERS FEDERAL CREDIT UNION 1;>13 Slalo H,li Rood CUlIlp IHI. PA 17011 1717) 7J7-4152 '. Ploaso complolo rod soctlon 1 , Rood sacllon 2 , Sign rod soclion 3 ---..... I ') \ Af)~ ' Rolu," Ihls Crodll Agroomonllo Iho Crodll UOIon - ........... U V '-- , An IOcomplolo or unsignod lorm may dolay procosslng . You will roceivo your copy 01 the Crodlt Agreomont and insuranco mlOlmalla" Tho following Is pall 01 your LOANLINERo Opon.End Plan. Road Ihis Inlormatlon boloro signing on Iho opposlla .Ido ollhls pago. You can prolocl your linanclalluluro by .'gn'ng up lor yoluntory crodilln.uranco bolow. Enroll by .'mply Indlcaling your proloronco In Iho "Crodillnsuranca Application" .octlon bolow. PI.aso .00 Iho accompanying Addandum lor a disclosura 01 your varIous Lonn SubaccQunts, Pro Bent Annual PolConlage Rales. Oally Porlodlc Ralo. and any addllional Inlormalion. Your crodll union Will ba hoppy 10 a.plaln Iho va"ou. Insuronco oplions ond covorago, Tho cosllo roasonabla. "You" or "Your" mean. Iha membor and the JOint Insured (II applicable). same 8111 accrues on amounta 01 advances which .r. added to )'Our Loan Credit InlUlancel. voluntary and nol required In order 10 obtlln your Dalance. lOin. You moy lollel ony In.uror 01 your chO<<., You havo .Il.bh.hed DO NOT SIGN THIS APPLICATION IF IT CONTAINS ANY BLANK an open.end Loan rIa" wilh tho Credll Union. Your loan Plan mav consial SPACES. This IppUcIUon I, void and will nol b. u'ld In I conl..1 DIone or male Loans. You lIe applymg 10 the Society for Cfedit Insurance II III blink IPIC" hay. nol bltn camplll.d,ll th. m.mb.r hll nol VOu aulhorizelhe charge"of Insuranco 10 be added 10 vour loan Oaleneo .Igned and d.l.d 'hi Appllc.llon, Ind IIlh. Application ha. no' bltn 'Ich month and understand Ihat Inlor8l1 wlUlcerue on these charges the wlln....d. INSURED UUoIOER DATE OF OIATH ACCOUNT NUUOER CATE Of' ISSUE OF CtnllflCAfE JOINT lN5URtD IrolEUOER CATE OF PlAUt ACCOUNT NUUOEn SECONDARY PENtFlClAAY I.,....... Ie -....1 UNDER CREDIT LIFE AND DISABILITY. THE MAXIMUM ELIGIBiLITY AGE FOR COVERAGE IS 65 WITH NO TERMINATION AGE REQUIREMENT THE fOLLOWING STATEIlENTS IlAOE BY YOU ARE REPRESENTATIONS AND ARE TRUE TO THE BEST OF YOUR KNOWLEDGE AND BEUEF, CREDIT LIFE INSURANCE CREDIT DISABILITY INSURANCE NO COVERAGE SELECTED YES NO COVERAGE SELECTED & This LOANLINERo Crodll Agroemenl and Trulh In Londing Disclosure Will bo roforrod to as "lhls Plan". "Vou" nnd "you," mean oach porson who signs this PIon. Tho "crodlt union" means the crodil union whoso namo appears abovo or anyono to whom tho crodit union tronslors ils TIghts under thiS Plan. HOW THIS PLAN WORKS - The cred,1 union anliclpales lhal you will borrow money (called advances) undor this Plnn horn limo 10 limo. The credll union, however. Is nol required 10 mako advances 10 you under Ihls Plnn nnd con rclusD 0 requesllor an advancD al any Ume. Tho Addendum doscrlbos lho dlfferenl tvpes 01 credll (called subaccounts) avaIlable undor lhls Plan. II you have bllOIl upprovtld lor crodlt undor 0 subaccount marked PREIlIUIl SCHEDULE SEE SEPARATE RATE SCHEDULE ON THIS DATE, AnE YOU PHYSICALLY WORKIHO FORA 6ALARYOR WAGES A UINIMUIrol Of IS HOURS A WfEt<' ARE YOU 65 UAl<IUUM AaE NONE UNDER AGE? FOR INSURANCE MAXIMUW MONTHLY TOTA ellAlnun e'NE'IT S 600 II you ore lolally disabled lor moro Ihan . ebllily bonolil will bogln wllh Ihe 15 610 TunE 0 ORftOWER [tIGtlllE BE IN U X'I. 101M X CREon DISABILITY wilh 0 .Iar ('), you will be given a speclllc crodil IImll lor Ihal .ubaccounr. For olhor .ubaccounl. you may nol be glvon a spacilic dollar limil. PROMISE TO PAY - You proml.e 10 repay 10 Ihe credil union all advances made 10 you under Ihl. Plan and any applicable charges descubed In 1/1e Addondum lO{Jolher wilh Inlor051 on whal you owo unllllhe lolel amounl ha. beon repaid. Tho Inlero.t rale depends on tho subaccount undor which tho advance Is made. The Addondum .hows Iho currenl inlere.1 rolos as dolly pariedic rates and thoir corresponding annual porconloge rolos. If Iho Inlurost roll! lor nny or all advancos is a vorloblo Interest raiD, Iho Addendum Dxplains how tho variablo Intorost raiD works. (Cenllnuod) H . ...tutU YU1UAI. Io\lluf\.lJttl !.a;iln 1110. n. U M n ioU I\llJIU 1l1~....llJ EXHIBIT DPAef4 6I1tlL NOTICE: II vou d('l r.ol purchase t~f 1~~Ulaf1Ce rPQl.:ued olllhe automobile and the crECH unl(ln purthaus ltlf' I'ISU'anCf t~le In!lwlanCe purcf,ased b)' the ClEd!l un:on will tover only the tied'l unm.f '"tr~eSlln lhe JHOIJertr The Insurance WII, nol be hisbdl1V IMuliHlce You have read the above E1alemfl11 and ac~nov,led'J{llhallhf' C'..Olt union h.1S erplalned It to you i';..itjA'U"l X ~'l:.ld'IJPf X DO-Not-WRITE -seioVl - fOR-CnEoW-ur"iloN-usE ONLY (~[(-;A;;f'-'C:.,;" "O~I ,;-- "'''1'1\0\1[0 ! $ S $ LIVIT!> ,,~ '. ., I _ .,' . H.'''I! ,'{'1t j'~ I" ,. , e~.{t !l't"': ol~\' ~~It. t I'. ..!~"1' I' t't't C IVI':'1 O!~~ ,;,. IllllLlANlI~lR CH~~ll A~'[f'ltr! A" r{'l',{rns II' P'C ~JI4'lfl' m~J' I'll . 11'1l1.lu"I"llhf bel la~elh1 f..r,', (bldnCl' ^l.lclt~'rl1\,.rs 10 .'jCU "'nea" I.Kh pf'FJf1 ....t1c 5'~"~ 1",':1 aYIHnlfn: Tttl SlCURITY FOR nn lOAN - B. ~'~""? 1"I! ~lfl.lll:1 i~'tr'nr"I In :'If' 5'C':.1!.J:e i!CJ 0' u":r' l'lf' UiH'''lltilllftl Hlr,; lP ~'l \ aC'h"nfnl",~'l~ t~ 0" lhe ta:" u! l1.e c~e;;., )t.;l.I rlCPl,l hH tilE JJ"J"".l,C': C',t It.t! crrCll U'i.l,." ",t.ll'; k.nu.,1' i:.. ~Hl.I'I:, Inh'!Ull'lI~~ Pl()~trt, CI'!.::.tlrj In Ihr Sn"u:ll) m'lIPd' SHIoO,l The Ilt'CU!lI)' .n!r'I'~1 )'ou \1''''(' IOCtuCf'! .~ '{:l'~\1r\'l5 Arce~slon5 ale lhl~Q5 v,h'ch .lIe i1tUc~fd 10 (', ul!Ultrl1 In ttU! p'o~e"J no..... or In Ihe hJlu'r He lecu'll~ lnlrrr~1 alSlJ In[l~cn an)' fI~r,l.crmr'lls 10' Ihe pIOp':rt, v.tuct you 0.:'( V,ll'llfl 10 d.,':l llllht' .1(j.i1tllf lI' .111~ erten~"ls.lellf....a~, Of Ullni'lCI'lg ollhr adltanCf II al~(llncruun in)' mO'lt'r you feeel\r lrom Ullt'g thE p1oP{n) 0' Irom Insuri'llt )'(lV ha,e on Itlt prOPI'I1~ 1I1he ~a:ue 011ht plopeft}' crlh'1tS, )'ou fIlUI"I~r 10 y,.e It'r Clr~l! un.un mo,e 'lIupefly a~ ~fCUflIV II '!l"e~ 10 do so WHAT THE SECURITY INTEREST COVERS -to< mUll'; "Ill'''' ""Ir' tn. '11.'inee and an~' e,tenStons lent'l\,);S OIlr'l:1anClng~ ulltle a~\;IO(e 1I.I!:Io uCvles Jnr olifl ad~i1'lcr~ yOl.. hhC nOl', ('I rrce,\t' !lIthe Iwlvre undu tht' lOArlLltl[ H' Clfdlt A~lef'lle'll and .1'~' Olllel amounlS you 0\"(' the cledlt unrtln fUI a'~ IU!:Icn nt',,, cr In the Ivlulf lithe ploprn~ Cf~Ct1pl'On I! milk~d Voll~ fYoo slm ('" 01 Ihe plCrefl) l!l h(l~~et<tlJ'll QOl'as i~ dtl:nt!! bv tht CleC11 PraCIIU Aolle It,e popen,' '1'>11' ~eCult 0'1') tt'r aC.i'l~e .1nJ nol ol'lel amJunls )'OU o\\e OWNERStHP OF THE PROPlRlY - You plOfl\l\t InolI ~'ou o.,.n Ille lHOlletty 01 II It. \ alhl"CI' I! 10 bur lilt 1"CPftl) ,Uj ~'C"ll~f' )llU '0\,1' uU :he alhar,ee 101 Ih.l! PU'IJO~t Y('.I pl['IllI~I' !fulnu Dill' tl~f n.l~ 311i lnltle~1 In 01 C~.I,ITl acal'l~lllle plt:(ICll, I~JI )'O~ hine nulalrl'jCV W:!.: lilt (It'd,1 unlu:l abol..l You plomlS! nolle !.ell Dt lea\e lhp prOp!,.I)' 0' Ie CSl' II .IS \l'Lurlly 101 ,a loan t.lIh another Clf{,Ml.l/ unN the ad~.1flce IS lepJI(l You plonll~e ~'ou "".U "Po". lID !ltCUlit)' Inlelut 01 hen lu '"act'! 10 the p'oprrlt ellhef b, )CU' al!iOns or b~ ope'allur'l olla\\ PR01EClItIO THE SECURITY INTEREST - II yOU! ,,,Ie ,''''" '1,11. IUllhe p,oprrt), you promise 10 hhe Ihe ele!:11 unIon Ii secuflly IIIlmU shl.l."n on !tIe hIll' Tht cred,t union m.y h....e to Ilie v.hallS ca'le!: a !lnolnc,"g slilemenl 10 ~roll;(llt~ secOlrlly lntl'rfSt hom Itle claims 01 olhels II a!~ed 10 do so you IlIOmIS! Ie 'IC" a hnantlnc SUlel1ltnl You ,)150 plomlS! to de v.hale'vt'. el~e Ihe CIl?d'llin,cn Ihlll"~ IS nfcessa.) 10 pIClfCII15 secullly Inlell'st In the plOp.nl USE OF PROPERTY - UntJIlhe ad...olnce 1'1015 been paid 011, VOll prom'~. yOI; Will 111 Use Ihe p.optf1V carelv!J)'lnd ~eep It In good lepalr III Olllatn Vollnen perrrM51lin 110m lnt ClelNunlon b1:lole mol'I"e ma:lI' changes 10 Ihe P'l,pcrty 131 Ir.lo'm It'le cIed t unIon In V.fiMg belore cnanglng )'ou' address or me aO(flt~S Vltlrrf I~,e propt!n)' IS kePI 141 AlIa....lne crro'! unIon 10 m~petl tn! pfoperty {51 Prormll;V naill, the credll union if !tIe plofitn, I~ damaged, Sloren 01 a~lIsed (51 NOI use Ihe p:oper1, 101 any unlawful Pl..IPO!E PROPERTY IHSURANCE. TAXIS ANO FEES - You plOm,,, 10 P'I' In la'" Ir.d leu (I111e legl5:rillon lersl due en Ihp plocel1~ ana 10 ~tfP Iht plopeny mtUle~ tgaloslloS5 and damage The amounl,fld coverage ollhe p'(lpeflV InSurance musl be acceplable 10 Ihe c:el:lil un'on You ,"a~' P'CVI~C the pfOpel1/ InSUlance thloug'" a pOhcV yeu ahud.- "a\'e, Of 1tl:ou~n a policy you grlln~ p2)'101 You promise 10 ma~,e lhE mSu1lnce pohe,' paya~jf 10 lhr lIedlt union FOR TENNESSEE CREDIT UIlIONS OIlLY USE WHEN AUTOMOBILE IS PURCHASED ----'-'----'-------(,"1(----- --'--'---~---------~'r!.'I'I--- LJI5CII'IH COL'''''llf1 01' I H toP[CII1( I1r.-,<;Ot..!;I J on 111 JI C 110'1 iioNA"UntS l~ll0,t.'1 OIIICIII X I ellHul ua,Uun[( X ; I ell" t,Plll( ,"',ll 'II "~r-"II \,p /.f.'1 I,u', ',I 'I' ( 1,1_'11 '..I 11111 11Ij (, '.1 ":', I, ,". '.", _! !. ~ I I' 1'0' ., I_ I' ~ ;0,'" ~ I, _. ",I " .<, ." , , ":,,.. L l..'" II }l~ LJ",I it'U' I"~~'d ,.1 J'\~ Itl:'~ all:jlU !Ill' [11'1,1 U"1(I L flU i! riO'll II' lIlt It:', 'IJ \: '.,c prG~~~', ,~I(1!1 01 d~~~J~r~ '''r, CIf~., ,unr," C.1 us~ l'lr 1I1LfJ":,r ~t:'l;t 'llrnlIII 1l';J .'1 Iflr Il'llpln; C'ON!l} Illu.' ,,'ll! v/,il ~':u ai,e "0.. .J\:~~h;Il;I' lie [II ~., U"I"I\ hllndOf~ an, d'.'lllf ell., ~ rhCh ,",r, be p.3y.tlle It' ,(. r, tl':l{' , ICI !llf (Fflll \11l('I, tJ C(l:',,1 ,)'1)' 'tlun~ o. If'lrfl~\ dllr under )'l'U' 1'1' ,IJ"ll ~~h~, If )'J~: d;< nr! pJilflr U~n [lllrn ("I Itll' IHtJf\t'rl,' "..III,rl(Lt 0' ~I'l'p Illll!oUled It:t cn1,! IJn" '1 IIlJI IJJ, I'\t ~t {It.l,~a~')n\ butl~ 11.:llf~~I'e,1ItJ d,l 50 /,n,/ 11l0'lt, Ilil lfttll Ul1lllfl !oN:\(l~ lUI I.'t'~ let ~ Dr ln~ura"a Vo,t1 te addtd IIJ Itlr u':~~'\l bl1il'H 01 Uu .{hall[r alld )'(I~' v-I'illl'l m!rltH on Iho~e amounh al lhl ~J'l,{ lall' ,lJU ilQIC{\llu pJ) o'll'lt' Jd.'.1n(c II tIle [11"101 ulllon idl1s al1i~'u"!) IOltJlr~ 11:f~ (II msul,)tlee lu l~r UI'rlll) ballnrl' 01 yJU' 1~,aI1C~. yol.l' p'lnll'il~ molt' be ulrrla~r~ b)' IIll all1iJunt nl'tu~arl lor lht ad,inre Iv bE' roi';: ol~ In IIlf ~~ll\C nunltirl 01 nwnl'IS Ofl!f"IJI'~ $rhel1u'fJ DEfAULT _ Yell '10111 hr In dd.ullll \\\U bff.:ak any POlTl'!.t' ~ou 1l101~f under tM ilYftrml'nl '(ou WIll also br III delJult II you lIe lfl nel.ul1 undrl the lOA.jlllj{ R' r'C~ll AQ'el'rtl('~1 II )'Ou a'r pll'd~ ng ptOPfrtV but have f'lot 'll;ntJ Ihe lOMtll~;!n- (fUn AglCl'll\t"lt ~O>l ~\Itllor In Cl'lJuH II an,one IS In Ot'!Ju'l 'IotlG ~l~~ sIGned lht I Ol.l~i l.j(II' Clra.t ACltl'nlt'nl WItATItAPPENS II YOU ARE III OEFAULT - II'h.n 10, I" In del.ul!. III' CII':JI~ un,u'l call v.1!Mul "d~anCl' 1l{\11(t In you, fl'QJUt unrntd'ilr pa)mrnl [II ",t..)1 )0:1 O.',l' W1l1tllr,f lOAM 1'.j[A' C'f(1II AQrt't'l1lrnllnd ti;.f pOHe~slllll 01 Iht' p'Ojl"l,' YO;! a~ret Ihl! tiNt! lIOIun hilS lhe rlghl to la"e PO~StS~lOn 011111' PIO;ll'Il\' \'olltlOul COIng 10 court Ind '^tlhoul QI\'lng you advance nohre II you a'e as.d lu tlJ ~o b,' the (lrdll \.nltm. )Ol..pll~mIU 10 drhr' Itlt property 011 a I'fllt' ilflO pllce Ifll' fll'O,l ...1'lun (MO~f\ thl' c'rd:I Unlr-~ VoIII nul bt IUPll'\~,t/lIGr dnl 01 ~OWI 0111'1 II:oprr1l, '1(11 [lm'll'd b~ Ih.~ a~'teme'll, Iflal )'ou lehc Imide lhe p.t perlr 1hr ,rellll UIlI()1l 'loll! "y 10 reluln 1hal propel1) 10 )':l... 01 1ni!H' II alilt.)tJ't: 101 ~ou 10 (Iaml /olltt I~e ned.1 UmQrl has pC5~e~!olon 01 the p'opt:rl~. II can StilI! and appl)' lht ITlO~e,,'rcfl.l'O 10 .a',) amounls yOu OM! the credll unIon The cfedll union ....10 Q' oe ~l'U nollre CI all,' publiC saIl' 01 lhe dale .tlf' v.hlch a C)livalll $alr WIll be I1p1d P,e e'p'!''l~PS of l'lp credll un'on lot laklnO possrSSl1J'l at l'ld !t1hnc Ihe pfopr"t)' '101'1 tr deducted IrO'll ttle momy fecti\'ed !rom Ihe Silt ThOSe c(lsH m.3~ ,n(luCe Ii'll' cosl 01 itormg Ihe proprn)', p'rpallng II lor ule and anO:l1l, [ Itf!llC lhe elltnl prlrTil"eJ UIl\][! sUle law Of ''Ioi.ded undtf I~hl ollht Ba~~rv~lq Coaf the rtsl 01 the salt ",ont~ VIlli be appltrd 10 what )'OiJ 0\'.[ u,1df.r lnt lOM,lIMA' Clfd,l Agrermfnt II \'::u ha.e agreeD 10 pa.. ltoe aJ...inCe, you Veil! ilso have to pat anv amount lnal rtm,]!nS unpa10 all'.!' ,tle saie money has beer. aprhe~ 10 the unpaId balance O'lht, atJ...ance ~..,~ 1f1 MI,II yo\. 0'1\1" under IhlS igrt'emenl You agref 10 pay mlelest lI" H,~tlmounl ,,;: Ihe tlmt 'alt .as Iht Idvantf until ItJil .mcunl hn tee'ra'D DELAY IN ENFORCIIIG RIGHTS AND CHANGES IN THE AGREEMEIIT - The cred,l umon can dela)' enlOf'tnl,j Ani 01115 nohlllo u:lder 'h1~ Ig'eerr.ent.n~ number 01 llmr!: WI'hO:ut IO!llng Iril! 3tlllll)' 10 e_l'f[lff lis IIchts la~el The cfedlt union Cjn en:GICe 1hl\ ag'urr.eol .aglln~1 )'01;1 hell' [IllEgal fEPIUtnUllvn, IIlhe Ute,: linlon ct-ra1iJU lht IEI'll~ (lltt'lllOAr~ur1(R' Crcdll Ag.remenl. \,00 Iglee 1hi! Ifll!! aQlfEfrer.t ",ill ('O'llt~Ut to prllleCI 'he credll union. CONTINUED EFFECTIVENESS - 11 ,", p.n 01 It." Iglrlm.nlls dllfflnmld bv I ccur1to be uht:\lC'fCutle_ 11'11.' rut "'II! lema," In ellrcl FOR NORTH DAKOTA CREDIT UNIONS ONLY - APPLIES ONLY WHEN A MOTOR VEHICLE IS PURCHASED NOTICE THE MOTOR vElum IN THIS TRM45ACTION MAY BE SUB, JEC110 RErOssEsSIOt; IF 1115 REPOSSESSED AND SOLO TO sOMEOf4E [L~E M,~ l.lL At.lOUt;Ts OUE 10 IIiE SECURED PARn ARE NOT RECEMO IN lltAt SALE YOU MAY HAI'l 10 PAY THE DIFFERENCE, TIlE PROPERTY DESCRIPTION ON TIlE REVERSE SlOE IS PART OF THIS AOREEMENT. NOTICE: SIGN TillS AGREEMENT 011 THE REVERSE SIDE, all'llt iJ-,it[n--+--' . +-- Dic,iliiio-++-- {.C.O\Jtollli UII(II .....ILL H MAOl Ir .&CClPlru "OVAlIC[ .&rpnOV[D t '[5 \ 140 Ir 'I" ,t.ll,Anl"lJOI1tOt,Al!iIIILTAtlO0E6cnIOt ()ATl OAI[ ~ x 0101[ (IAIl 11'.".1<' 11'ltllAlfil . I'I+! 137 '96 101 26PI'1 "IU"P & KODAK PC ., . P,ll " , YEBIFIQATIOtj I, MARILYN S. MILLER, Operetlons Menager of WEST SHORE TEACHERS FEDERAL CREDIT UNION. verify thai the statements made In the aforegolng document are true and correct. I underotand that false statements herein are made subject to the penalties of 1 B Pa, C. S. 64904, relating to unsworn falsification to authorities, WEST SHORE TEACHERS FEDERAL CREDIT UNION 'rJhnf-' j )JJat::it. Marilyn S, Mill r, Operations Manager Daled: )Jk21 9, /9 9t BJH:COMPIWORK\CAWTHERN.WS T:05.07,88 R ~ .He,.' 'loG "11 C"C"t'rJ., ,(1"/1' ..(1,:_. J '/1','1 (h,u(c(,J, f, I ' ( -Ht' ",1(,., (.1 '(J' ~. ~J~_ P II ~d~~'~(J'" ''1 l '~~~~ ~ .. ..... . -S ~ ~ '\:S ~ ,~. ~ ,:,) , ..;, ~~ ~ ~ J /. "d- JIll'1Uj ll,- I( Ii ,..j' J 1\'Jl~ .Ill/lIr IIJ/4~ it/I ""1 "(,,.-1. ,..C ),1 _VJtli) - ' () ~ VI L;, :::f ~ , Knrl.y (l~H\(t'I" ~f" ~(V"I ~ '.9- ::J-~ "'6M !.i\ ~~ - = ~ u ~ 0: ~ ..:10< , III , I;; I ~; Ik< ~ t ," s ~ 5 '; ! t: Ik< .( I. .. 0< J'. I. t- .. H . ~ ~ iIol Q 0( ... .. ~ 1Ill!l~ ~OIC~~ ~~ :113 E:.: 1 ~ i .: Cllijo< ~m~ 0< ... c _ . rii ~I B li: ..:I ;Iilqn l> 11< ~c.lc~~ 0< Eo< ~Cl:l E -C.~l = ~a ~~ 0 : ;J i ~ tJ ~tJ I!lC ~ " 7. - ~~ H..:I ral5 :.: t~ ~ ' , ., i' , ..:1..:1 ,. ~ o<~ ~a ~~ Gl dE~ .. 13 0< I _ . . 4.... ~ I -\" UIlIe I.. ". KNI'I'" & KOIlAK, 1',('. . _,,1\011110', """,,,,...tlt", "1I1"'1I1~lIll1url "'IIHII I',tt, IIn" IIII4K 1I..\IIIU"'1I1'IUi, I'" I1Il1K........ ,........ . ,. , SHERIFF'S RETURN - OUT OF COUNTY CASE NOI 1996-026B9 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND WEST SHORE TEACHERS FED CR UN VS. CAWTHERN PAUL L JR ET AL R. Thomas Kline . Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named defendant, to witl CAWTHERN KATHY L but was unable to locate Him in his bailiwick. He thnrefore deputized the sheriff of SCHUYLKILL to serve the within COMPLAINT County, Pennsylvania. the attached return from SCHUYLKILL County, receipt of Pennsy 1 vania, On June 26th, 1996 . this office was in Sheriff's Costs I Docketing Out of County Surcharge Schuylkill County So answers I 6.00 9.00 2.00 53.50 ;,...;:;. -..-v,...- (' '. u H. ' Ihomas Kline, Sher111 e70.~0 KNUPP AND KODAK 06/26/1996 this 19 '1(, and subscribed ~o q!!>- day of <'j~17 A. D. before me Sworn ~t/, (,' ~11-<.ff'- lJ'!!.j7 , prot ono ary' COM~10NWI,'\I.'I'1I OF 1'1':1'\1'\'\: ClllIl'\'I'Y OF 1l'\111'1I11'\: :-ill\-:IIIIT':-i 1I1.:'I'l!ltt\ 1'\Il, %-2689 I'Alil: 459 ,\1'\11 NOW: June 21, 1\1 96 ,;11 1:50 l' .11. :-iEII\' \-:11 'I'll\-: 111'01'\ WITHIN . ,Notice & Complaint 11,\1'\1111'\1; 'I'll Steven Rolph (person in charge of resident at time of service), ,\ 'I'll Ill': '\T'I'E:;'I'EII COI'\' OF '1'111': Ollllill'\/\1. Notice & Complaint '\1'11 i\l,\I\INli I\NlJ\\'l'o: TO Tower City I Po him TilE l'Ol'\'I'\-::\'I':-i 'I'1I1.:ln:1l1 XI' 270 Azalea Rd. JW/DM :-ill ,\l'\:-i\\'I':I~P Y-'/ ,I (/jl.d1'1~~ SHERIFF OF DAUPHIN COUNTY, peNNA 1\\' ~~ f~" 11I':I'\!T\' :-i11t:IIIFF ~iW{)111 dlld :HIl':iI'1 ihl'd t Ii IOj 9[, hl'fnn,~ IIH-' t hi:, ?4th{'\Y l11 June ~. -(-)0fWtw) I'IU lTIIIll'\IlT ,\ II \' :-iIlI'.1I111 ':-i ,'ll:-il' ,45.50 I'd. 5-22-96 !lee. 080551 S I" . LAST DAY FOR SERVICE I JUNE 14.19,:16 I l~ T'n'" Court CT" C-m.........~\ ::1-==-" -r j".... "-,:,U\-n...l,",,,,-,,,,, at I;i _.l"~' I __~w '--.J..._.....:._,.........._"-....,' Psnr:sy I '1cr.l::: Wcsl Shorc TCiJch'll'H Fed"J',11 Cn'clit. !Jni"n 'is. !'dlll I.. CilWlll<'rn ~c. ')11-2/,11<) Civi 1 ~ :?_-- ;:';ow, MilY 16 :9..2.i. !. S~~"F 0:::' C~G:::?.1.)_'fD COt.~.:..,!. ?A... co , , ==---=1 . . , .. .- .. c-::ut:: :.:::: ..:.:-..:t or Diluphin C-:u:q ::J ::':::"..:.:: =:s '.V:-i:. .L.:. ..:-u-..:..- \"~:"fr _""..:. 'I' .:... -.....- ..._..; ...:.t. i"I: _ -:- --... ..~ -~ - .-"'t---~ -.... ..- "'.. :.:: ':1..:_"':':: ....---. \#,. , ~, :r'~GI4f<"f~"" Si:e-..:! ct C~er..u:d C~u.:rr, ?~ . A.5d2.vit Or Sem~ ;:';ow, ~~ .. o\:!cc ,,[. 1~.-= :.:: ~th!n "JpoQ n b:t ::u:C!:q :0 J. c::py ci ::: :ri~-..I .. :md -!I":. CC'Wll :c :h: -:::t:::s :.&:::=i. 50 :L:.SW~, !l='..5 .1 COUrT. 11:.. 5wcr:: :t:lC r.:bc:-:h:d l:c:'cr:: == :.:.:s _ e"y ci !~- CCSTI SLl.'Y1CZ ~ GI-:::....G c: ,>.::IDA'i.7 _ s __Jo---___o 5 r_'~ '--:--'tllC-uur I WEST SHORF. TEACHERS FEDERAL CREDIT UNION Plaint if f IN TilE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v, NO, 1996-2689-CIVIL CIVIL DIVISION - LAW PAUL L, CAWTHERN, JR, and KATHY L, CAWTHERN Defendants JURY TRIAL DEMANDED IMPORTANT NOTICE TO: PAUL L. CAWTHERN, JR" Defendant(s) DATE OF NOTICE: JULY 14. 1996 YOU ARE IN DEFAULT BECAUSE YOU /lAVE FAILED TO TAKE ACTION REQUIRED OF YOU IN THIS CASE, UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING, AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOlTLD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT /lAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP, COURT ADMINISTRATOR - FOURTH FLOOR CUMBERLAND COUNTY COURTHOUSE ONE COURTHOUSE SQUARE CARLISLE, PENNSYLVANIA 17103 (717)240-6200 NOTICIA IMPORTANTE A: PAUL L, CAWTHERN, JR,. Demandado(s), FECHA DE NOTICIA: JULY 14. 1996 USTED NO /IA COMPLIDO CON EL AVISO ENTER lOR PORQUE HA FALTADO EN TOMAR MEDIDAS REQUERIDS RESPECTO A ESTE CASE. SI US TED NO ACTUA DENTRO DE DIEZ (10) DIAS DESDE LA FEC/IA DE ESTA NOTICIA, ES POSIBLE QUE UN FALLO SEIA REGISTRADO CONTRA USTED SIN UNA AUDIENCIA '{ USTED PODRIA PERDER SU PROPIEDAD 0 OSTROS DERECHOS IMPORTANTES, USTED DEBE LLEVAR ESTA NOTICIA A SU ABOGADO EN SEGUIDA. SI US TED NO TIENE ABOGADO 0 NO TIENE CON QliE PAGAR LOS SERVICIOS DE UN ABOGADO, VAYA 0 LLAME A LA OFICINA ESCRITA ABAJO PARA AVERIGUAR A DONDE USTED PUEDE OBTENER LA AYUDA LEGAL, COURT ADMINISTRATOR - FOURTH FLOOR CUMBERLAND COUNTY COURTHOUSE ONE COURTHOUSE SQUARE CARLISLE, PENNSYLVANIA 17103 (~17) 240-6200 __-7"'1 -- , I.'''':~ T.; '. ".J J. .1. ~.:.J. ....... -.'" .D " . " .... [r,; - ...:I f:.: I' r:: ~~l ~ .~ ~, ! .,- """ 7- ;:= .'::~ Lr' ~) ;~ 9, ruL '" '," I'" rr" ! ..;,: !-~ 'i~ . i~. N:i ~ ! h, ~, U .n ,.:I fJl U ~ I N ...... , <-.. -..i ... '" .-..J " "" --' "---..: ;:: '-.l '--:l IY"\ ,~j ,r--.. ':? I ,~,\-' \.t~ ;::. _ .... "1< :.___ "-- r::" "" . ~ ~ ' ~ 0\V\s~ 1'[ ;,11 f i! 1" :1 II! 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