HomeMy WebLinkAbout02-5110
Godfrey & Courtney, P.c.
BY: Steven C. Courtney, Esquire
Attorney I.D. No. 74669
P.O. Box 6280
Harrisburg, PAl 71 1 2
(717) 540-3900
D
Attorney for Plaintiff
PENNSYL VANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
IN THE COURT OF COMMON
PLEAS, CUMBERLAND COUNTY,
PENNSYL VANIA
vs.
NICHOLAS J. GRAYBILL,
Defendant
NO. O~- 5(10
CIVIL ACTION -LAW
NOTICE
You have been sued in Court, If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after this Complaint and Notice is
served, by entering a written appearance, personally or by attorney, and filing in writing with the
Court your defenses or objections to the claims set forth against you, You are warned that if you
fail to do so, the case may proceed without you and a judgment may be entered against you by the
Court without further notice for any money claimed in the Complaint, or document, or for any other
claim or relief requested by the Plaintiff, You may lose money or property or other rights important
to you,
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT HA VB
ALA WYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH
BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP,
NOTICIA
Le han demandado a used en la corte, Si used qui ere defenderse de estas demandas
expuestas en las paginas siguientes, used tiene viente (20) dias de plazo al partir de la fecha de
lademanda y la notificacion, Used debe presentar una apariencia escrita 0 en persona 0 por abogado
y archivar en la corte en forma escrita sus defensas 0 sus objeciones alas dernandas en contra de su
persona, Sea avisado que si used no se defienda, la corte tomara medidas y puede entrar una orden
contra used sin previo aviso 0 notificacion y por cualquier queja 0 alivio que es pedido en la peticion
de demanda, Used puede perder dinero 0 sus propiedades 0 otros derechos importantes para used,
LLEVB ESTA DEMANDA A UN ABODAGO INMEDIATAMENTE, SI NO TIENE ABOGADO
o SI NO TIENE EL DINERO SUFICIENTE DE P AGAR TAL SERVICIO, VA Y A EN PERSONA
o LLAME POR TELEFONO A LA OFICINA COY A DIRECCION SE ENCUENTRA ESCRITA
ABAJO PARA A VERIGUAR DONDE SE PUEDE CONSEGUIR ASSISTENCIA LEGAL.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, P A 17013
717,249,3166
Document #: 180057.1
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
IN THE COURT OF COMMON
PLEAS, CUMBERLAND COUNTY,
PENNSYL VANIA
NO. OJ-- 5/1 =
vs.
NICHOLAS J. GRAYBILL,
Defendant
CIVIL ACTION -LAW
COMPLAINT
AND NOW, comes Plaintiff, Pennsylvania State Employees Credit Union, by and through
its attorneys, Steven C, Courtney, Esquire, and states the following cause of action and in support
thereof, avers as follows:
1. Plaintiff, Pennsylvania State Employees Credit Union, is a financial institution
qualified to conduct business in the Commonwealth of Pennsylvania with offices and/or a place of
business situate at 1 Credit Union Place, Harrisburg, Dauphin County, Pennsylvania,
2, Defendant, Nicholas J, Graybill, is an adult individual with a last known address of
6133 Haymarket Way, Mechanicsburg, Cumberland County, Pennsylvania 17050,
3. Defendant is, and at all relevant times material hereto was, the primary applicant for
a loan with Plaintiff,
4, Defendant applied to Plaintiff for two (2) loans for the purpose of purchasing a motor
vehicle,
5, The loan applications submitted by Defendant was approved by Plaintiff and
Defendant signed a Loanliner Advance Proceeds Check for the purchase of the vehicles, A true and
Document #: 180057.1
correct copy of said Loanliner Advance Proceeds Checks is attached hereto, incorporated herein and
marked as Exhibit "A",
6, Pursuant to the Loanliner Advance Proceeds Checks marked as Exhibit "A",
Defendant agreed to the terms and conditions of the extension of credit as set forth in the Loanliner
Credit and Security Agreement (hereinafter referred to as "Contract"), A true and correct copy of
the Loanliner Credit and Security Agreement is attached hereto, incorporated herein and marked as
Exhibit "B",
7, Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms and
conditions of the Contract marked as Exhibit "B",
8. Various payments were made by Defendant as repayment of the monies borrowed
from Plaintiff,
9, On or about October 29,2001, Plaintiff provided a letter to Defendant stating that the
vehicle purchased by Defendant, a 2000 Kawasaki ZX600R, is being considered as a repossession
and unless payment in full was made on the outstanding loan balance, the said vehicle would be sold
at a public sale on account of the Defendant and Defendant would be still responsible for any
resulting deficiency, A true and correct copy of this letter is attached hereto, incorporated herein
and marked as Exhibit "C",
10, As a result of Defendant's failure to cure the default in payment, Plaintiff sold for
and on account of Defendant said 2000 Kawasaki ZX600R.
11, On or about January 17, 2002, Plaintiff provided a letter to Defendant indicating that
there was a resulting deficiency after the sale of said vehicle, A true and correct copy of this letter
is attached hereto, incorporated herein and marked as Exhibit "D",
Document #; 180057.1
12, On or about October 29,2001, Plaintiff provided a letter to Defendant stating that the
vehicle purchased by Defendant, a 2000 Ford Mustang, is being considered as a repossession and
unless payment in full was made on the outstanding loan balance, the said vehicle would be sold at
a public sale on account of the Defendant and Defendant would be still responsible for any resulting
deficiency, A true and correct copy of this letter is attached hereto, incorporated herein and marked
as Exhibit "E",
13, As a result of Defendant's failure to cure the default in payment, Plaintiff sold for
and on account of Defendant said 2000 Ford Mustang,
14, On or about January 17, 2002, Plaintiff provided a letter to Defendant indicating that
there was a resulting deficiency after the sale of said vehicle, A true and correct copy of this letter
is attached hereto, incorporated herein and marked as Exhibit "F",
15, Plaintiff has maintained a statement of account keeping an accurate and running
amount of debits and credits made on Defendant's account.
16, Plaintiff has submitted to Defendant a copy of the statement of account accurately
showing all debits and credits for transactions with Defendant.
17, Defendant has not objected to any of the monthly statements of account submitted
by Plaintiff to Defendant.
18, Despite Plaintiffs reasonable and repeated demands for payment, Defendant has
failed, refused and continues to refuse to pay all sums due and owing on Defendant's loan account
balance, all to the damage of Plaintiff,
19, As of September 20, 2002, the total balance due, owing and unpaid on Defendant's
loan account with Plaintiff is the sum of$15,028,86 Dollars,
Document#: 180057./
20, Pursuant to the terms and conditions of the extension of credit contained in
the Contract, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest charge
on the principal loan balance,
21, Pursuant to the terms and conditions of the extension of credit as set forth in Exhibit
"B", Defendant agreed to pay reasonable attorney's fees and all court and collection costs,
22, Plaintiff has retained the services of the law firm of Godfrey & Courtney, P,C, in the
collection of the amounts due and owing by Defendant.
23, As of the filing of this Complaint, Plaintiff has incurred reasonable attorney's fees
from the law office of Godfrey & Courtney, p,c. in the collection of the amounts due from
Defendant incident to the within action, and Plaintiff shall continue to incur such attorney's fees
throughout the conclusion of the proceedings,
24, The amount of attorney's fees incurred in this matter is the sum of $3,030, 78 Dollars,
25, Any and all conditions precedent to the bringing of this action have been performed
by Plaintiff.
26, The amount in controversy is within the jurisdictional amount requiring compulsory
arbitration,
Document #: 180057./
WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, respectfully
requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant,
Nicholas J, Graybill, in the amount of$15,028,86 Dollars, plus interest, reasonable attorney's fees
in the amount of$3,030,78 Dollars, the costs ofthis action, and such other relief as the Court deems
just and proper.
Respectfully submitted,
GODFREY & COURTNEY, P,C,
'A' f\
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Steven C, Courtney, Esquire
P,O, Box 6280
Harrisburg, PA 17112
(717) 540-3900
LD, # 74669
Attorney for Plaintiff
Document #; /80057.1
VERIFICATION
I, Bonnie 1. Berkoski. hereby certify that the following is correct:
The facts set forth in the foregoing Complaint are based upon information which I have
furnished to counsel, as well as Upon information which has been gathered by counsel and/or others
acting On my behalf in this matter. The language of the Complaint is that of counsel and not my
own, I have read the Complaint, and to the extent that it is based upon information which I have
given to counsel, it is true and correct to tile best of my knowledge, information, and belief, To the
extent that the content of the Complaint is that of counsel, I have relied upon such cOlll1sel in
making this Verification, I hereby acknowledge that the facts set forth in the aforesaid Complaint
are made subject to the penalties of 18 Pa, C.S,A. 94904 relating to unsWOrn falsification to
authorities,
, ')\)\~~
~;2_~,
Bonnie 1. Berkoski '
Date:
Docw,J.m t/: M0122_1
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ADVANCE PROCEEDS VOUCHER
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Pel'ln.sylvaniaState
:mi=l:lyeesCrecitUnion
P.O. Box 670i3
Karris;;'urg, PA 17106-7013
(800)237-7326 (Nali::lrWJida)
(717) 234.a484 (itl Harrisbur;)
MEM5c:r:rNAME '",., ':"
NICHOLAS] m,.^,. YBILL
DATE
M::M3::R ACCOUNT NUM3=R
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NOTE NUM3ER
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Exhibit B
r~n...,
Po. Box 67013 . Harrisburg, ~ 17106.7013 . (717)234-8484 Hatrisburg, (BOO) 237-7328 NatioowidB
f((ft}I
,
Loan Disclosures
ThIs lOANuNER" Credit and Security Agreement, which Includes Ihe Truth In
l.endIng Ilisdosu<es, will be referred to as the Plan. The Plan documents Include
this Agreement and an Addendum, You. your and bom>wer IOO8Il any pen;on who
signs Ihe Plan. C<edlt UnIon, we. our and uo mean PSECU 0< _10 whom Ihe
Credit Union _its righls underlhe Plan, This is a mutti-state document wl1Ich
may be used to lend to borroweflil in all states.
1. HOW THIS PlAN WORKS - This is an open-end, multi-featured aedtt plan. We
anltcipate that. from time to time, you win borrow money (called -advances-) under
the Plan. We are not required to make advances to you under the Plan and can
- 0 Jequest for on odvanee ot any Itrne, The Addendum describes Ihe
clifferant 1ypeS 01 aad'rt (called "subaccounts1 avallable under the Plan, Ihe ament
interest rate for each subaccount expressed as a daily periodic rate and
corresponding annual percentage rate and other charges. It may also have other
terms and a schedule lor determining the payment amounts.
2. CReOIT UMrr - We may. but do not have to, establish a credit limit on certain
subacoounts, " a credrt Iimrt Is set for a subaccount you promIsa not to exceed the
-- Cl8drt limit. " )'OU excaed the Cl8drt limit. you ~ise 10 "'pay
immedIately Ihe amount wnich exceeds the CIlldillirnlt.
3, REPAYMENT - You promIsa to _ all amounts you owe under Ihe Plan plus
-, Payments are due on Ihe last clay d Ihe month unless we set a dilferant
date at Ihe time 01 an advance, " Ihe Addendurn has no payment sdleduIe lor a
SIJbaCI:ount, your payment will be <Ielennined at lha time d each advance,
Payments must Include any amount past due and any amount by which you have
exceeded any aad'rt limit )'OU halle been gillen for a subaocount. ~ may _ an
0< part 01 what you owe at any time wiIhoul any prepayment penally, Ellen. you
prepay, you will still be required to make !he "'IIularty scheduled payments unless
we agree In writing to a d1ange In the payment schedule, . )'OU have a joint sha",
draft aocount, ~ will be responsible for paying all OYefdraft advancas _ed by
a joint hokSer 0I1he share draft account Payments w11l be appl'led In Ihe order Ihe
0_ Unlon chooses.
4. PlAN ACCESS - You can obtain credit advances in any manner authorized by
us. If we allow )'OU 10 use your ATMIOebit card to access the Plan, you may be nable
lor the unauthorized use of your ATMIOebit card. You will not be liable for
unauthorized use that occurs after you notify us, orally or in writing, of the loss. theft,
or possible unauthorized use. If you believe your ATMIOebit card has been 50st or
stolen, immediately inform the Credit Union by calling or writing us at the telephone
number or address- that appears elsewhere in the Plan. tt the card is used to obtain
advances directly from the Plan. your liability wl1l not exceed $50. If the unauthorized
withdrawal is from a share draft account. your liability is goyeri1ed by th8 Regulation
e cflSdosures you received at the time you received your ATMlDebft card,. even if the
withdrawal reSults in an advance being made from your overdraft subaccount.
5, ANANCE CHARGE - The dollar amount you pay for money borrowed is caned
a "fonance chaIge" and begins on the dale of each advance, A finance charge will be
computed saparately lor aacll saparate balance under lha Plan, To compula Ihe
finance chaIge, lha unpaid baIanca lor aacll clay since your last p&ym<<1t (0< since
an advance. you have not)'8l made a paymentj Is multiplled by lha "PP"eabIe <IaIly
- rate, The sum 01 these amounts Is Ihe finance charge owed, The baJanoo
_to compute Ihe finance charge Is Ihe unpaid baJanoo each clay _ payments
, and credits 10 that baJanoo have been __ and any _ 10 lha baJanoo
have been made, In addition to inteIllSt, we may chaIge -finance cIlluges wI1IcIl
are - on Ihe Addendum, . Ihe interast rate Is a _ iotal9Sl rata, lha
Addendum O>Cplains how the variable Inte_ rata __
6, SECURITY INTEREST - The Plan Is 08CURl<f by lha shares and deposits In all
joint and individuaJ accounts ~ have with the C<edit UnIon now and In Ihe lulu""
Shares and deposlls In an IncflVidual Reti"'ment Account and any other account
which would lose specla/ tax lreatment under state or _rallaw. gillen as sacurity
are not subject to the sacurity interest you halle gillen In your shares and deposits.
Additional sacurity may be required depending on the subaccount under which an
advance Is requested, For example, a oubaocount called "New Car Advances"
means the sacurily will be a new car. A subaccount called "Other Secured
Advances" means ~ must offer sacurity acceptable to Ihe Cnldit Union lor the
advance. Property given as security for any advance under the Plan will secure all
other. amounts you owe under the P!an or under any other Agreement with us now
or in the future. Property securing other loans with us may also secure the Plan.
However, if you have given)'OUr dwelling as security for a loan with us, Ulat dwelling
win not secure an advance made under the Plan.
7, PROPERTY INSURANCE, TAXES AND FEES - ~ will be IllQlJired to pun:/lase
- insurance on certain Iypes 0/ security thet you give tor advances, You may
P<M<l1ase the property Insurance from _ you cIloose who 1s8Cll8ptable to Ihe
Cnldit Union, The "'"""'" and coverage 0/ Ihe _ insurance must be 8CIl8ptable
10 us, ~ may provide Ihe property insurance tIuougf1 a poIlcy you o!ready have, 0<'
OCUHA MIJT1.JH. GROUP. 1880.82. &to 86, eg, W1. AU. fUGHTS RESeAvEo
1hrough a poIlcy you get and pay Ior,~ promise 10 make Ihe Insuranoe
payable to us and to deliYorlhe policy 0< proof 01 coverage to us . asked to do ~
· you canoeI your Insurance and get a "'lund, we have a right to Ihe refund. K the
- Is lost 0< damaged, we can use 1he Insurance settlement 10 _ Ihe
property or apply rt towar<ts what )'OU owe, ~ authorize us 10 enctorsa any draft or
cIleck which may be payable to you In order tor us to ooIlect any refund or benefits
due under your insurance policy. You promise to pay an taxes and iees (like
registratton fees) due on the property and to keep the property insured against loss
and demage,
If you do not pay the taxes or fees on the jIiroperty when due or keep it insured we
may pay these obligations. but we are not required to do so. Any money we sPend
tor taxes, fees or insurance will be added to the unpaid balance of the advance and
you will pay interest on those amounts at the same rate you agreed to pay on the
advance. We may receive payments in connection with the insurance from a
company which provides the insurance. We may monitor OUr loans tor the purpose
01 detennining - you and other borrowers halle oomplied with Ihe Insurance
requirements of its loan a_ or may engage _ to do so. The Insurance
chatged added to your advanca may include (1) the Insurance <:ompany's payments
to us and (2) lha cost 01 determining compliance with Ihe insurance requ/raments. .
we add amounts lor taxas, lees 0< Insurance to Ihe unpaid baIanca 01 your advance,
we may IncIllase your payments 10 pay the amount added wfthIn Ihe tenn of lha
insurance or approxlmate tenn d the advanca,
8, NOTICE -.)'OU do not pun:/lase Ihe required property Insurance,lhe Insurance
we may plJfd1ase and charge you lor will cover only our inte_1n Ihe property, The
Insurance will not be nablllty Insurance.
g, CREDIT INSURANCE - Cred'rt Ine andlo< credit disability Insurance Is optional
under the Plan, " )'OU qualify lor and pun::hase !he insurance from us, you authorize
us to add the Insurance PIllfIliums monthly to your loan baIanca and charge you
Interest on the enlire balance. " ~ elect aad'rt Insurance, your payments may
Increase or lha period, of time necessary to "'pay your advance may be extended
beyond the approximate term stated on the Addendum. The Cfecftt insufGOCe rates
may change during the Plan. If the rates change, we will provide any notices
required by applicable law.
10. PERIODIC STATEMENT - On a regular basis you will receive a statement
showing all transactions under the Plan during the period covered by the statement.
Statements and notices wi" be sent to you at the most recent address you have
. given us in writing. Unless appUcable law requires notice to each joint bo~~r.
notice to any one of you will be notice to an.
11. JOINT ACCOUNTS - " this is a joint aCOOlH1t, each of you is individually and
joinUy responsibk! tor paying an amounts owed. That means we can enforce our
rights under the Plan against any one of you individually or against all of you
together. If )'OU give us inconsistent instructions, we can refuse to follow )'OUr
1ns1ructions, Unless our,lYritten policy requires aU of)'OU to sign tor an advance, aacll
of you authorizes Ihe oIhet(s) to ol>taIn advancas IncflVidually and agrees to "'pay
advancas made 10 the other(s),
12. FEES AND CHARGES - " you give us a sacurity iota_ In certain 1ypeS 01
_. we may chaIge you a filing ... 10 peffecl our inlerast In Ihe property. It so.
the amount d lha... wit be dlscIosed 10 you at lha time you obtain an advance. We
may also chaIge you _ lees In comection with lha Plan. Those lees are
dlscIosed on lha Addendum and will be added to your loan balance unless ~ pay
Ihem In cash,
13. UPDATING CREDIT INFORMATION _ ~ promIsa that you will JMOl11IlIIy'::
us written notioe . you _. d1ange your name or ernpIoyment, 0< . any r
Infonnation you provided to us changes, Upon our request yOu also agree to provide
us updated financial intonnation,
14: DEFAULT - The foIlowtng parogroph oppIles to botrowers In Idaho.
KIInus, Maine and South Carolina: You will be In defautt if you .dodefanot ~ :
payment 0I1he amount requIro<I wilen It is due, ~ will also be III W
believe the prospect of payment, performance. 0< realization on any property given
as sacurity is slgnlficanUy Impaired.
The following paragraph applies only to borrowers In Wisconsin: You w111 be ir:l
default if you fail to make a payment when due two times during any 12~1~'
period. You will be in defautt if breaking any promise made under 1he Pian ~Iena y
impajrs your ability 10 repay what you owe. You wilt also be in ~tau~ if breaking any
promise made under a Securily Agreement made in ~. wiIh an advance.
materially impairs the condition. value. or protection of or our right Il'1 the property you
gave as securily.
",., '. .v. dbelndefaUII
The following paragraph"""Ie$ only 10 bon'oW'IHS/n 1owa..OO be in detaun if
"you a", mo", than 10 days late In matdnga payment. ~ will also
PSECU FORM ~146
.JBXX0601'; 037.20(1:2.1 (3fOO)
Rr
,..,... ~ '- .......I~ wnn me 1ef'mS of 1he Plan and' )'OUr 1aBure 10 comply matenaIy
ImpaJra ,lII1Y property you gayo as security of your abllity 10 mpay what )00 owe
"'--1f!e Plan. ,
no. following ~taph ~~ 10 _...In a/l other _..:'\bu ... be In
-.. you dO not make' a payment of the 8I11OUI1t required when I Is due. '\bu wiI
be In _uIt . ~ - any promisa you made _ the Plan or. _Is In
- - any I8CUflty - made In 00l.1edIun with an adYanco uncIer
the Plan. 'obu wi! be In default. you die, file Ill< bankruptcy. become -.. you
make any false or misleading _ements In any cmdlt appI'lC8tion or update of cmdlt
Inlo<mation, or · something happens we _ may substanIiaIly AIduoo your
ability 10 repay what you owe, 'obu will also be In default under the Plan .)'OIl....1n
--any-loan_with us.
15. ACTlONS AFTER DEFAULT - The following paragraph app/~ to
bonowe,.. In CoIotado, District of CDlumbla. low.. KIln.... Maine.
Massschuset.ts, Mluourl. HeMskll. West Virginia and South Csro/1na: When
you 8f8 in defaul and after expiration 01 any right you halle under appI'lC8bIe Slate
law 10 cum your -uti, we can demand Immadiate payment 01 the entire unpaid
balance under the Plan wiIhout giving you edvance notice,
The following paragraph applies to bonowen In al/ other states ex~pt,
WIsconsin and Lou/slsnlt: When you are in defaun, we can require Immediate
payment (acceleration) 01 the entim unpaJd balance under the Plan. You waive any
right ~ haIIe to demand lor payl11enL notice of Intent 10 accelerate and notice of
aooeleration.
The following paragtapha apply to bom,..."" rn a" stat.. eJU:ept. WIsconsIn
and 1..DuI$/a..: H Immediate payment Is demanded. ~ will continue to pay_
until what )'OIl owe has been repaid, at the applicable Interest rates In eIfect unless
a default rate Is .0;_ on the Addendum. H a demand Ill< Immediate payment
has been made, the shares and deposits given as security Ill< the Plan can be
applied towaRIs what )'OIl owe, We can also _rcIse any Olher rights given by law
when ~ 8f8 In default.
'\bu agree the ~ Union has the right 10 lake p: s ,'ssion 01 any _rty given
as oecurity Ill< an advanoe under the Plan wiIhout judicial process . this can be done
wiIhout breach 01 the peace, H we ask, )'OIl promisa to derMlr the _rty at a time
and place we choose. We wlU not be I'8SjlOnSibte for any Olher _rty, not <xM1red
by this Agreemant, _ ~ leave inslde the _rty or that Is attached to the
-rty. We will try to return _ property to)'Oll or make I evallable to)'Oll 10 claim,
.A1fer we have Jl I -;! slc.n of 1he property. we can sea It and appIy...the money to any
llR1OtOU you owe us. We wla give )00 notice of any publ'1C sale. or the date eler which
a private sale will be held, Our expenses lor taking possession 01 and self'ong the
property will be dedUded from the money received from the sale, Those COS1s may
include the cost of storing the property, preparing U for sale and attorney's fees 10 the
extent permltted under Slate law or awan:led under~) of the Bankruptcy Code.
The rest 01 the sale money will be appried to what)'Oll owe under the Plan.
16, ACTIONS AFTER DEFAULT - WISCONSIN _ The following pet'Bg",ph
applies only to WIsconsin bonowera: When)OU are in delaul and after expiration
01 any right)'Oll halle under applicable state law 10 cure your defautl,we may require
~ payment 01 your outstanding loan balance under the Plan and _
P I SSSIOfl of the pmperty.You may\'Ofuntarify give the property to us Hyouchoose,
or we may seek to lake _ 01 the property by judiclel process, H we
"'fl : 5 ass the~,)'OIl ag.... to pay _ expenses incumld indisposing
01 the _rty,Hthe _rtyls a motor-,,,-,,, home. trailer, __.
boat or a/1Q'8ft, ~ will also be required 10 pay any costs pennlttad by Section
422.413 01 the WISCOnSin Statutes.
"17. ACTIONs AFTER DEFAULT - LOUISIANA - n. ~f1"ll*w PII4....,Ih
appIJaa only '" ~ bomlllon: When ~ .... In -. ... can require
"""- payment (..,c.lsndlo..,) 01 the -.. unpaid beJanoe U1der... Plan. '\bu
waive any right)'Oll haIIe 10 demand Ill< payment, notice of Intent 10 ~ ,'e,,,,, and
noCioe of ~!lalBtio... . Immeciate ~ Is demanded. you wII contbJe to pay
"- unliI whet ~ owe has -. AIpeid a1the """"""'''''' _ rates In etlec:l
unless a delaUt _Is dsc:losed on the Addendlm. H a demand forlmmeciate__
has -. -. ... _ and dopoolts given as securtty Ill<... Plan can be applied
- what)'Oll owe. We can also """"'"'" any_rights given by law when)OO.... '
In delaUt and our rights U1der any securtty __ you haIIe with us.
18. CANCEWNG OR CHANGING THE PLAN _ The ""'owing ~
applies only 10 _M.", In ."noIa: We haIIe the right to change the Ienns 01
the Plan from time 10 time alter gMng )'OIl any advance notice required by taw./ony
change 10 the Interest rate or Olher charges will apply to futum advances,
The following paragtapha apply only to bonowera In WI_n: We can
change the terms 01 the Plan from time to time In acc:ordance with Section 422.415
01 the Wssoonsln Statutes. 'obu will be notified 01 any change In lerms, An lncnlase
In the dally periodic rate under a varlable rate Interest rate Is not ""'_od a
change In terms under the Plan,
We can cancel the entim Plan or any pert 01 the Plan at any time, '\bu may canoe/
the Plan a1 any time by giving us pOor written notice. 'lbur ob/''lI''tion to pay the
- balances under the terms of the Plan continues whether )'OIl 'or the cmdlt
union cancel the Plan, _ 10 the extent that ~r liabIfity Is lWnIted by Sectlon
422.4155 01 the WISCOnSin Statutes" ,
-"'" -- - --- ------ _. ---. "" ...auClIIlnga Ole
Ienns 01 the Pt8n lniin ilme ;0 time alter lIMnll' you any advance notice I1lQIked by
Jew, " change that __ the rate 01 Iinance chatge or _ d1erve, lhat
-- the amount 01 your payments, or that oIt1eIwtse ~ -.. ~
balances will apply 10 existing balances only K you agme to the change or ~ use,
the Plan alter reooMng .-.. that your use 01 the Plan means )'OIl _ the
change applIas 10 existing belances.
1be following ~ ~ to bom:I!._..ln all other --:.We have 1h&
right to change the terms 01 the Plan from time to time alter gMng)OO any adYanc:&
notice requlmd by law,/ony change In the Interest rate wi apply 10 Iulure advanoes..
and at our dIsavCIon, and subject to any requl......- 01 ''''''''''bIe law, will ~
apply 10 unpeId belances.
The foIIowtng ~ app/Iaa to an _M"", other than ~,..
_M.",: An Incnlese In the dallypetlodic _ U1der a_ ~ _Is not
considered . change In tenns under the Plan, We can canoe/ the entire Plan or any
pert 01 the Plan at any time, You can canoe/the Plan et any time, Your obI'lgation b
pay the unpeId balances U1der the tenns 01 the Plan continues whether)'Oll or the
~ Union canoe! the Plan,
Secttons 21-25 apply H you give securlty In connection with an advance under
the Plen, They apply to borrow.... In all atat.. except louisiana. louisiana,
borrowers will execute a Mparate HCUr1ty agreement. Bonowers In other
mtes may .'so be ..ked to execute. separate securtty agreement.
19, DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN _ We C8B
delay enIoft:Ing any 01 our rlghts under this Plan any number 01 times without losing
the ablUty 10 axerclse our rights later, We can enIon:e this Plan against your helm or-
IegaJ - H we change the terms 01 the Plan, )'OIl ag...._ \his PIaro
will continue to protect us.
20, CONTlNUEO EFFECTIVENESS - H any part of this Plan Is detannined by lL
court to be unentoR:eabIe. the rest will remain In effect.
21. THE SECURtTY FOR THE LOAN - '\bu give us what Is _ as a security
InteItlSt In all' property desalbed In any recelpt, 1IOUCher or _ doc:umenl )'0<0
recelvtIlll< an Advance ('the Advance" The security _ )'OIl """ Includes aD
accessions. Acoasslons .... things wI1lch .... attached to or instatled In the _rty
now or In the future, The security _ also Includes any replacements for lh<>
property which you buy _ 10 dey$ 01 the Advance or any 8XIensions, _
or f8financing of the Advance, U also Includes any money)'Oll recelvtI from selrlf1\J
the _rty or from ~)'OIl haIIe on the property, H the value 01 the _rly"
declines, )'OIl promise to glve us more _rty as security H asked to do so.
22. WHAT THE SECURrrY INTEREST COVERS - The security Interest secures
the Advance described in the recelpt, voucher or any other document)'OU receive at
the time of the Advance and any extensions, renewals or refinancings of (he.
Advance. It also secures any other advances you have now or receive in the future
under the Plan and any other amounts or loons. Indud'ong any credit cant loan, you
, owe us for any reason now or In the Mum. except any loan secured by your principal
residence,. the _rty Is household goods as defined by the FedeiaJ Trae>>
Commission Cra<frt Praclices Rule. the property will secum only the Advance an<J
not other amounts you owe.
23; OWNERSHIP OFTHE PROPERTY -You promise that)'Oll own the property or
K the Advance is to buy the _rty. )'OIl promise ~ will use the Advance for thaL
purpose, 'obu promise _ no one else has any Interest In or ctaIm against the-
property that )'OIl haIIe not elteady loId us about. 'obu promisa not to sea or Ieasa the
property or to use k as security Ill< a loan with another cmdltor unIiIthe Advance Is-
repaid, You promisa )OU ... allow no _ securtty Interest or Ion 10 _ 10 the
property allher by your actions or by __ 01 law, '
24.. PROTECllNGTHE SECURtTY INTEREST _ H your _lisues a _ tor the
property, you PfOl11ise 10 ...... our securfty _ shown on the title. We may"""
, 10 file what Is called a financing statement 10 protect our security _from the
claims 01 Olhers, H asked 10 do 10, )'OIl promisa 10 sign a linancIng ~~
also promisa 10 do whatewlr else .... lhInk Is necessary to protect our _..,
Interest In the ,property,
25. USE OF PROPERTY - UntlIthe Advance has been pald off, ~....- wn::: '
will: (1) Use the property careIutIy and Iraep k In good repair. (2) ObtaIn our _
perm/sslon before making major changes 10 the ~ or changtng the
where the _rty Is kept. (3) Inform us In writing before changtng your address. (4)
/oJbN us to Inspect the property, (SJ Promptly notify US . the property Is damaged.
stolen or abused, (6) Not use the property Ill< any unlawIut purpose.
26. NORTH DAKoTA NOTICE TO BORROWERS PURCHASING A MOTOR
VEHICLE. THE MOTOR VEHICLE INTHISTRANSACTION MAY BESUBJECTTO
REPOSSESSION, tF rr IS REPOSSESSEO AND SOLD TO SOMEONE ELSE,
AND ALL AMOUHTS DUE TO THE SECURED PARTY ARE NOT RECEIVED IN
THAT SALE, YOU MAY HAVE TO PAYTHE DIFFERENCE.
27_ VERMONT NOTICE TO CO-SIGNER - YOUR
SIGNATURE ON THIS NOTE MEANS THAT YOU ARE
EQUALLY UABLE FOR REPAYMENT OF THIS LOAN.IFTH~
BORROWER DOES NOT PAY,THE LENDER HAS A LEGA
RIGHT TO COLLECT FROM YOU. '
"'_""'^"-'V Vl..lIINUOS WTlpOrtanIlntol....div.. about your rights and 0Uf ~
-....-CreditBllllngAc<
f.onn US IN CASE OF ERRORS OR OUESTIONS ABOUT YOUR STATEMENT_
ff you 1hlnk your '_ Is """"ll, or ff you need more InIonnation about a
- 00 your............. _usooa _rate "- at1l1e addnoss listed 00
,..... *- Wille I<> us as aoon as poosibIe, Wa must haar from you no lata<
- 60 days - ... sent you 1I1e fiI&t _ 00 wI1Id1111e an-or or problem
_. 'lbu can taIophone us. but doing so will not """""'" your rigtUs,
In your Iatta<. gIw us 1I1e Iol1owIng Inlonnation:
. 'IOu< name and account _,
. The _ amount 0I1I1e sto<pected an-or,
. 0esctI1e 1I1e an-or and expIaln, ff you can, wily you be/ieo..e there is an an-or.
H you need morelnlonnation, _1I1e item you llf8 not sura about.
rt you have authorized us to pay a credit card account automatically from )'OUr share
aCCOUnt or checking account. you can stop the payment on any amount )'OU think is
WlOr1g, To stop 1I1e payment your letter must reach us three business days before 1I1e
automatic payrneot Is SCheduled to occur,
YOUR RIGIITS AND OUR RESPONSlBIUTIes AFTER WE RECEIVE YOUR
WRITTEN NOTICE ~ We must acknowledge your letter within 30 days, unless we
have corrected the error by then. Wrthin 90 days, we must either correct the error or
exptain why we berl8Ye the statement was correct.
After ... """''''' )'OUr letter. ... cannot lry to ooIIact any amount you question, or
~ you as delinquent Wa can continue I<> sand __I<> youlor1l1e amount
you quastion, Including financa chaIves. and ... can apply any unpaid amount
In lhIs AQreernent, 1I1e WORls you and,.,... means each and all 0I1hose who apply
lor 1I1e card or who signs lhIs AQleamaril Card means 1I1e VISA Credit Card and any
dup/'1C8tas and - ... Issua, Account means )'OUr VISA Cnld'rt Card line of
Credff account with us. We, ua, and ouro means lhIs Cnld'rt UnIon.
1. RESPONSIBIUTY - H ... Issua you a card, you agree 10 I8pay all debts and
1I1e Finance Charge arising from 1he use 0I1he card and 1I1e card aocount. For
example, you are responsible lor charges made by )'OUfSelf, your spouse and minor
chlIdren. You llf8 also responsible lor charges made by 8I1yOne else 10 whom you
gIw 1I1e card, and /his _1ity continues until 1I1e card Is recovered, You
cannot disclaim IeSpOoslblIity by notifying us, but ... will dose 1I1e account lor new
transactions ff you so _ and refum all cards. Your obligation to pay 1I1e account
balance continues even though an &greement. OIVOtt:e decree or other court
judgment to which we are not a party may direct you or one of the other persons
responsibfe to pay the aCCOUnt.
2. LOST CARD NOTIACATION - If you believe the card has been lost or stolen,
you will immediately call1he Credn Union at (717) ~ or (800) 237-7328, After
hours calf (800) 556-5678,
3, UABIUTY FOR UNAUTHORIZED USE - You understand that your total
liability 10 the Credn Unlon shall nOt exceed $50 lor any card Inlnsactions restJlting
from 1I1e loss, 1I1eft or unauthorized use of the card that occurs prior to 1I1e time you
glw notice to 1I1e Credit Union. Such liability does not apply when 1I1e cord is used
10 make -.., fund -. The Credit Union uses 08""" networ1<s, which by
artificiaf intelligeoce can recognize and alert us to potential fraudulent transactiooS.
These alerts may generate Inquiries ebout your use 0I1I1e cord and ... epoioglze
lor any Inoonvenieiice 1hIs might couse,
4, CREDIT UNE - H ... __ )'OUr 8PP""otion, ... wtlt __ a self-
replenishlng line 01 Credit lor you and notify you 01 Is amount when ... Issue 1I1e
card. 'lbu _ not 10 1el1he account balance _1hIs _ Credit Uno. Each
' -- you maka 00 lho account... -..,..... Credit..... by 1I1e amount 0I1I1e
-- wI1Id1ls appGed 10 lho pc1rJq>eL'lbu ma)I NqUasl an Increase In,..... Credit
lIneonlybyWriltsn"PP""otionIous.whlchmustbe_byourOlldit_
or loon officer, By giving you written notice we may reduce )'OUr Credit ..... from time
10 time. or with good cause, _ )'OUr cord and terminete 1hIs Aveement. Good
COUSe Includes,..... falfure Ioa>mplywith 1hIs I\greement,or anyOlher _ wIIh
us. or our adwlrse ........- 0I,.....~ 'lbu may also terminete1hls
~ at any time. but IennInation by _ 01 us does not aIIec:t,..... obIlgatiori
10 pay1l1e account balance, The cords _ our ~ and you must """"'" and
OUI11Inder,Io us eI cords """" our request and upon IennInation 0I1hIs Aveement.,
5, CReorr INFORMATION - 'lbu autho<lze us to Inwstlgate )'OUr Olldit standing
when opening, renewing or revIewillg)'OUr account. and you authorize us 10 disclose
InIonna1ion regarding your account to credit bureaus and 01l1er credltors who Inquire
of us about )'OUr credlt standing,
$, MONTHLY PAYMENT - We will mail you a statement _ry month showing
your Previous Batences of PUrchases and cash advances, 1I1e CUrrent transactions
00 your aocount. 1I1e remaining credn available under your Credn line, 1I1e New
Balances of purchases and cash advances, 1I1e Total New BaIence, 1I1e Finence
Cha'lJe due 10 date, and any other billed lees, and 1I1e Minimum Payment required,
ew.y month you must pay at IeasI the Minimum Payment wi1hln 25 days of your
8tatemem ~ng date. 8y S8p8lllte agreement you may authorize us to charge the
~ -- automaticafly 1o)'OUr share or cheddng account with us. 'lbu may,
01 course, pay more trequeouy, pay more than 1I1e Minimum I'ayrnent, or pay 1I1e
~ New Balance In full. and you will reduce the fonanoe -'IJe by doing so,
Tho ........ __ wiI be. (a) 2% 01 )'OUr T_ New BaIence, IOOOded up 10 IhO
, .- -. -, or (b) $20,00, ~ Is _.In addition, at any time ,.....T_
--I
against your Ollditlrnit. '\bu do not haw! 10 pay any <lUestioned llJ1lount _ ... an
~but you are stlIl obligated to pay 1I1e p8r1s of )'OUr stalement that en
H ... find that ... -- a - 00 )'OUr statement, you wtII not he.., 10 pay an,
financa ~ _10 any QUeStioned amount. H... -'make a mlstak8, ,
may haw! 10 pay finanoe chaIves. and you will he.., 10 ....... up any ~
- 00 1I1e QUeStioned amount. In _ case, ... willl<lnd ~ a _.......
0I1I1e amount you owe and 1I1e date that M Is due,
H you laB 10 pay 1I1e -that...1hlnk you owe. ... may IOport you as de/inquena.
However, · our 0lCjllenati0n does not satisfy you and you _10 US -ten days
telling us that you stII refuse 10 pay, ... must ten anyone ... IOport you 10 that you
he.., a question about)Ol>' __ And, ... must tell you 1I1e name 01_
... reported you to. We must teIl8l1yOne we ~ you to that 1I1e matter has been
settled between US when M finally Is, ,
If we don' foI1ow 1I1ese rules, ... con' collect the first $50 of 1I1e <lUestioned &moun(.
even if your statement was correct.
SPECIAL RULE FOR CREDIT CARD RuRCHASES _ H you he.., e problem w;u,
1I1e quality of property or ser.- that you PUrchased with e credit COrd, and you
have 1ried in good faith to correct the problem with 1I1e metchant. you may have the
right not to pay the remaining amount due on the property' or services. There are two
imitations 00 1his right (a) '\bu must have made 1I1e puR:hase 1n)'OUr home state or..
ff nOt wi1hln )'OUr home state. within 100 miles 01 your CUrrent maffing addnoss; and
(b) The puR:hase price must he.., been more than $50,
These imitations do not apply . ... own or operate 1I1e meodlant, or . we maJlocI
you 1I1e a<fve-...Ior 1I1e property or oervIces.
New Balance -)'OUrCredit...... you must """-Ypay1he....... upon our
demand, We will apply payments In the bIIowing manner: fiI&t 10 Pf8'dous late -..
then 10 Pf8'dous cash advances finanoe cherges, 1hen 10 Pf8'dous IlUR:hase '"""-
chaIves. then to cuitent late fOes. then 10 previous cash advance balances, then Ie>
Pf8'dous PUn:hase beIanoes In the order lhalthey were posted 10 )'OUr account, 1IlIn
10 current cash edvanoe beIanoes. and then 10 current pun:hase beIanoes.
7. RNANCE CHARGES - 'lbu can 8YOId Fonanoe Charge 00 _ by paying
1I1e lull amount of 1I1e New Balance of Purchases each mon1l1 within 25 days of your
statement dosing date. Otherwise, the New BaIence of Purchases, and the
SUbsequent purchases from the date they are posted to )'OUr acoount, win be subjecI:
to FIOal'lCe Charge. Cash advances are always subject 10 Rnance Charge from the
date they are posted to )'Our aCCOUnt.
Purchases: We calculate your finance charge by muttiplying the average adjusted
daily balance (see e"Planation below), including new purchases, lor the billing cycle
by 1I1e monthly pariodic PUn:hase rate as disclosed 00 1I1e eddendum,
Cash Advance&: We eak::uIate your- finance charge on cash advances by-
multiplying 1I1e average adjusted daily balance (see explanat,ion below) for cash
advances during 1I1e billing cycle by the monthly pariod'lC edvance rate,
Balance Computation Method
A....rage Daily Balance lor Putr:hases - The Average Oaity Balance lor Purchase
Transactions Is ce/culeled by edding 1I1e Oaity Balances (PUn:hase Transaction) lor,
each day In 1I1e blWng cycle, and then dividing by 1I1e number 01 days In 1I1e billing
cycle. To ce/culete 1I1e Oaity Balance lor _ each day. ...Iake 1I1e IoIIowing i
steps: We lake 1I1e outstanding balance (eI amounts you owe) at 1I1e start 0I1I1e day.
Then, In 1I1e S<IqUenCe In which 0rtl0unIs are posted 10 your account, ... add 1I1e
amounts 01 all deblts and _1I1e amounts 01 all credits or ~ wI1Id1 post
to )'OUr lI<lOC>lJnl that day. After applying payments and avdits, ... _ 1I1e
amount 01 any unpaid Finance ChaIgOa or late ~ Then... aIso_1I1e
amount 01 any Cash Mvenoe fnlnsacfions that postecIlo)'OUr account on that day or
In any previous day In 1I1e bIIing cycle. ThIs gives Us 1I1e Oaity Balance lor pur<:I1tIses,
Average Daily Balance IorCeshAd>ances-Cash Advance Transaclions wI1Id1llf8
posted to )'OUr aooount llf8 not Included In 1I1e Average Oaity BeIance ~~
PUrchases, and....lhereIore not StAJjectlo1l1e manlhfy periodic _lor ....__,
The Average Daly BaIence Is _led separately lor Cash Advanoes and Is
subject 10 1I1e Cosh Mvenoe Monthly Pariod'oc Rate, The Average DeIly Balance) lor lor
Cash Transaclions Is c:aIcuIated by adding 1I1e DeIly BeIanoes (Cash TransacIion ,
each day In 1I1e billing cycle. and then dividing by 1I1e number 01 days In 1I1e bII~
cycle, To cefculate ll\e Oaity Balance for cash each day, ... lake 1I1e following steps,
We lake 1I1e outstanding balance (all amounts you owe) at 1I1e start 0I1I1e day, Then,
In 1I1e sequence In wI1Id1 amounts llf8 posted 10 )'OUr account, ... add 1I1e amounts
of all debits and subtmct the amounts of eI crecfits or payments wI1Id1 post to )'OUr
account that day, After applying paymenls and credits, ... subtmct 1I1e amount of
any unpaid Finance Charges or Lete Charges, Then ... also sublrad 1I1e amount of
any Purchase Transactions that posted to your 8CCQUnt 00 that day or In any
Previous day In 1I1e billing cycle, ThIs gives us the Dally BeIance lor Cash ~
Transactions, NOla: Cash Advanc:ec .... always aubJect to finance chargea a
from the day they al'8 _ to your account.
Permenls are eppIied In 1I1e Iol1owIng manner. first to previous /ate lees. =
previous cash advances Iinence chaIves. 1I1en to preIIious ~ then to
dwges, 1I1en to current late lees, then to P'OVious cosh ~ aooount. then
Previous PUrchase belance's In 1I1e Order that they weie posted 10 ~ Caldits
10 CUrrent cash advance beIanoas. and then 10 cumlnt """""'"" then
llf8 applied first 10 1I1e perlicutar type 01 debt wt)/ch Is being aedited. . any, and
10 1I1e balance of your account. ' ,
NOte aIeo U1at If the 10taI of the paynleots and credits which are posted 10 )'OUr
acx:c:M.... by ~e Payment Due Date shown on a statement is equal to or exoeeds the
New IlaIanco """'" O(l that -ement. _ win not 8pp/y the Monthly PIlriod'oc Rate
1o)'OtM' ~ on )'CK.Ir next statement
.. DERUlLT - 'll>u wlI be In default ft you fall to make any Minimum Payment
....... 25 clays -your monlhIy....tement closing date, '1bu authorize us to transfer
.... - to malo> the minimum payment due I your VISA loan Is In default.
'1bu _ - - may lernpo<8ltIy lItlSpend your ATM card access I your VISA
payment Is due for a period a>o:eadIng 30 clays, '1bu wlI also be In deIauIt I your
ability to _ us Is materially _ by a change In your empIoymenl, an
- In your ollIIgalIons, bankruptcy or InsoMlnc:y proceedings ImIoMng you.
your - or your IaIluno to abide by 1hIs Agrvament, or I the wi... 01 our security
- materiaJtydectlnes, We haw tha right to demand Immediate payment 01 your
fuI -.t balance I you default, subject to our gMng you any notice required by
law. To tha extent permitted by law, you wltI also be nlqulred to pay our colledloo
8lCpenSeS, Including court costs and reasonable attorney fees.
8. USING THE CARD - To make a pwt;hase or cash advance, then> ..... two
aJtemaliw l'fOC8dun>s to be __ On& Is lor you to presant tha card to a
' patticipating VISA plan men:hant, to us or another financial Institution, and sign the
sales or cash advance draft whicIt will be ~ed _ your card, The other Is to
oomplete tha transactioo by using your Personal IdentiflCatioo Numbef (pIN) in
c::oo;unction with the card in an Automated TeUer Machine or other type of electronic
Iem1lnaI that provides aooess to the VISA system. '1bu agree that you wI] not use your
card lor any transaction thai Is Illegal under app/icabIa -raJ, state, or local law. The
mond1ly statement win Ideotlfy tha men:hant, electronic lem1inal or linanciaJ Institution
at which 1ransadions...... made, but sale, cash advance, Cllldit or other slips camot
be retumed wtIh the statement. You will retain atlOp'fof such sf"lpS fumrshed at 1he time
01 tha _In on:Ierto wrfly the monthJy _ The CIedit UnIon may maIol
a __ chlIIge for photocopies 01 sf"", you may__
10. RE1tJRHS AND ADJUS11.IENrS - MeR:hants and others who honor tha card
may gIw CIedit lor mums and adjus1ments, and thay wII do 00 by sending us a
Cllldit slip which _ win post to your account. 1 your CIedit and payments _
wl1iIt you owe us. we win hold and apply 1hIs Cted'n balance agalnst lululll pun:hases
and cash advancas, or Ills one dollar or 1TlOl1l, Illfund ft on}'OUr writtan _ or
automaIicaIIy after six months, ,
MONEY ACCESS CARD CARDHOLDER AGREEMENT _ The Undersigned (you
or yourj, In consldendion of THE PENNSYlVANIA STATE EMPLOYEES CREOIT
UNION (-. our and us) Issuing to you a MONEY ACCESS CARD.'tiereby agree
to be legally bound by the following terms and concrltions, '1bu agree that tha use of
)'OUr MAC card(s) constitutes acceptance of the teons and conditions of this
Agreement You understand that MAc- is a cred'rt-felated service and you authorize
PSECU to obtain a credit report on any users of this account.
1. Accounts and U8e$ of MONEY ACCESS CARD
'1bu llaYo1h&accourrt(s) (mdudlngCllecking and Ragular Shares), whicIt we set
for1l1 on your applicatioo Iorm _ 1I1is Agraemant. You hereby request that we
issue to you one or more MONEY ACCESS CAROls) to be used in oonnectlon
with ouch accounts as described In 1I1is Agraemant,
'1bu understand you may use the MONEY ACCESS CARO at a MONEY
ACCESS CENTER" to (1) wfthdlaW cash from, (2) make or ananga lor deposits
in, (3) effect transters to or from your aOCOUllt, (4) l1lCelva Informatioo regarding
tha balance in your account(s) or (5) make cash advances from your cradn
account(s) In tha amounts you l1lqUeSt. '1bu may also use automated teller
machines 1I1roughout tha Unlted States and In certain lonllgn countrtes which
beartha PLUS SYSTEM- name and logo (1) to maIol wfthdnlW8ls from, (2) effect
, - to 0< Inxn. (3) l1lCelva InIonnatiot1 ragaRIIng tha balances In your
a-.g or RegUarohanls.lyou haw a Personal SanIlce,Loan ~ and
In ~, you may also malo> a cash advance from }'OUr PSL '1bu fur1har
understand you may use tha MONEY ACCESS CARD to purchase goods and
seMcas ("Purchase' at any Illtall astabIishmant ("Me1Chanr) wIlelll MONEY
ACCESS CARDs .... accepted by ouch Men:hant. 1 you use the MONEY
ACCESS CARD to maIol a Pulchasa to _ cash, I penniftad by, the
Mao:hant, you shall be nlq.-ng us to wfthdoawlunds In tha IIIIlOl.Ilt 01 ouch
Pulchasa (including any cash _ from the t.1eR:hant) from your Cheddng
Shares and dil1lCting or orderlng us to pay ouch lunds to the Merchant.
'1bu request that we wlI ptOYide to you ,ouch other seMces or access to other ATM
systems or netwoc1<s using tha MONEY ACCESS CARD which we may later maIol
-- and whlch we - you 818 oIfetad In COI.MICtio., with your account(s)
SOl for1l1 on your application form. '1bu also unde<6land _ from time to time you
may request In writing _ we prOII\de access to addIIionaI 8<XXlUn1s 01 yours
1Ivough the MONEY ACCESS CARD we haw Issued to you, '1bu agree _the
uses 01 tha MONEY ACCESS CARD desaI>ed in 1hIs Agl1lemant shall be subject
to the rules and regulations of eacli aCCOUnt which Is aocessed by ouch Can1
z. Use of Perwonalldantfficatlon Number ("PIN; with MONEY ACCESS CARD
'1bu understand that a MONEY ACCESS CENTER or a PLUS SYSTEM ATM Is
an automated teller. at can and will perform many of the same tasks as a human
lellef. '1bu acknowIedoe that tha Personal ldantificatioo Number or PIN which you
use - the MONEY ACCess CARO Is your oignature, ldantifies the baalllr 01
the Canlto tha MONEY ACCESS CENTER, PLUS SYSTEM ATM, or _r
, - AThl and aUChantlcates and _tes tha dItectlons giwn just as your
-.aJ olgnatulll and other _Idantlfy you and authentlcate and _your
- - ---. - . ----- ----.~..............'fVl~n
oountries and lol1llgn """""""'" wlI be _to yOu in U,S, doIars. The c:onwrslon
moo to dollars wII be (i) the wholesale marlc8t mte Of (H) the OOWmmenI~ed
rate, _ Is _bIe, In eIfect one day prior to the ~ date
- by one pen:ant , '
12. PLAN MERCHANT DISPUTES - We..... not _-lorthe _ of any
plan - orfinanclal_ to honor your card. We..... subject to cIalms
-- (_lhan lortdelms) 8IIsIng OUColgoods and seMces)OU _::;:
tha card only. you IlaYo _ a good Iofth atlempt, but haw ~ _ to_
-"- from the plan """"""'" and (8) yourpun:hase _ -lnlllSponselo
an adwttisemant we sent 0< par1IcIpeted In oandIng you, or (b) your _ ClOSI
ITlOl1llhan $50 and - _ from a plan _In your __ or_l00 miles
of your home,lvrt -disputes you must _ dinlclIy _ tha p1an_
13. SECURITY INTEREST - 10 secure your account, you _ us a _
money security - ..- the Urilorm Commen:laI Code In any goods you
pwt;hase 1Ivough tha aocount.l you default, we wlI haw the right 10 l1lOOIIer any 01
these goods whlclt we IlaYo not bean paid lor through our 'PP'"-"on of your
payments in tha manner desaI>ed in the Monthly Payment saction. With _ to
1hIs account only, we will not assert any -..ory right.... may """'" I you ..... In
default to _ wfthdRlW8l 01 your unpledged Cted'n union ........ (lleposfts)
below tha unpaid balance 01 your aa:ount. Howewr. I you gIw or haw g1wn us a
specific pledge of your ~ union ........ (Deposits) by signing the Pledge of
Shares or otherwise, or any _ security interests lor an your debts, your account
wlll be secured by your pledged _illS (0ep0sIts) and by tha property _In
those other security agreements, except lor your home,
14, EFfECT OF AGREEMENT - This Agraemant Is tha contlacl which applies to
all 1ransadions on your account """'" Ihough the sales, cash 8dvance. aedlt or
other sIlps you slgn or l1lCelva may contaln different terms. We may amend the
Agraemant from time to time by sending you tha advance written notice l1lquired by
law, Your use 01 the card _ wlIlndicate your agreement to the amandmantS.
10 tha extent the law pannIIs, and we Indicate In our notice. amendments will apply
to your axIsting account balance as wea as to future lnInsactions.
IS-LATE PAYMENT CHARGE -I your Minimum Payment Is not paid within 15
clays after tha PaYment Due Date, you will be sutJlect to a slngla chlIIge ol5% 01 the
minimum scheduled payment.
16. COPY RECEIVED - '1bu ad<nowledge ~ 01 a oopy 0I1hIs Agraemant
d'uections to a human teller. You aIsounde<6land that a Men:hant which accepts
tha MONEY ACCESS CARD lor a PuR:hase _ may haw an electronic
terminal (Men:hant operated or SeIf-5ervlce) which requires tha use 01 your PIN
and :when your PIN is used at 8 Merchant's terminal, It win authenticate and
validate the directions given just as your actual signature will authenticate and
validate your directions given to us. You acknowledge that your PIN is an
identifICation code that is personal and confidential and that the use of the PIN
- tha MONEY ACCESS CARD Is a security devise lor your account(s),
, Therefore, 'I'OU AGREE TO TAKE ALL REASONABLE PRECAUTlONS THAT
NO ONE ElSE LEARNS 'I'OUR PIN,
3. UablUty for Unauthorized Transactlons
You agree to contacl us at once H you believe the MONEY ACCESS CARD(s)
Issued to ~ or PIN has bean lost Of stoIan or money Is ri1Issing from your
account(s), You also agree that H your monthJy statement shows transactions
whicIt you did not maIol, and you do not contacl us within 60 clays after tha
-amen! was mailed to YOU. you may not get any money lost after that time.
'I'OU AGREE THATlF'I'OU GIVE'I'OUR MONEY ACCESS CAROls) and PINlO
SOMEONE ElSE 10 USE'I'OU ARE Al1THORIZlNG THEM 10 /lCr ON'I'OUR
BEHAlF AND 'I'OU WILL BE RESPONSIBLe FOR N(Y USE OF THE CARO(s}
BY THEM. '1bu oouId lose aI your money In tha aooount(s)lf JOU _ no 8dIon
to notify PSECU of tha loss 01 your MONEY ACCESS CARD CO' PIN. SaIeguaRl
your PersonaIIdantIlicatIon Number (pIN), Do not tall or -. yourPfN to any
other person. Do not WTfta your PIN on your MONEY ACCESS CARD. Do not
kaep a wrtttan l1lCO<d 01 your PIN near your MONEY ACCESS CARD, Do not
choose a PIN _Is easlIy 1dentffiaIlIe,
A new card may be orderad for you at thai time and a ,.,..,. will be p/aoed on
your old card, After ouch time, I you find your old card, destroy the old card by
aJtt/ng ft In hal, 1 you attempt to use your old card, ft will be c:epCunld and
rataIned by the MONEY ACCESS CENTER. PLUS SYSTEM, or HONOR ATM,
4, Charges
'1bu agree to pay a 50 cant charge lor each deposit or _ ~ 15
a month, '1bu agree to pay the 50 cent pana/ty chlIIge on any cash disbursement
transactioo (loan adVance or shanl wiIhdniwal) that Is less lhan $20. '1bu agree
to pay a 25 cent chlIIge on each balance inqUiry, '1bu agree to pay tha charges
or _ fees whlclt ..... chalged by us for these services or lor services
which may later be offered as ouch fees or charges may be Imposed or changed
from time to time.
5, Depoofta
'1bu agree that when you maka a deposit at a MONEY ACCESS CENTER that
we have tha rtght to varity tha deposit before we maIol tha money _ to you,
I you deliver cash, _ or _ iiams to a MONEY ACCESS CENTER. you
undelOland and acialOWtedge _ the 'foods from your deposit ''''''l' not~~
_Ior_ _ and_,tha ~0I your deposit ~_
depend on 0Uf rUles and l1lglM1Ions NganIIng tha perticuIar -.tin which you
~--._-,
... rIoddng a daposlt, the kerns lhat)OU.... depool..... and _the daposlt
Is mads at a MONEY ACCEss CENTER lhat Is ownad by"" 0< """""" finandaJ
-.cion. _.also _ and aclalOfttadga _ not 81 MONEY ACCEss
CENTERs may 8OCOpl daposits and soma MONEY ACCEss CENTERs maylmlt
... amount 01 funds which may be daposltad and... may not control lhasa Imlls.
.. lIabIUty
· tha MONEY ACCESS CARO Is Issuad for a joint aoooont, you &gAle to be
joInIIy and S8Y8faIly Iiabla undartha lam1s 01 this Agraamaot and tha_
for such 8OCO<Jnl - _ _ . you ...... daposJts 0< paytnen1S to your
accoont(s) wIlhllams - than c:asI1 (_, dnIfts 0< _ iiams) and ...
make funds avaIiabla to you from such daposJts prior to thaIr colIaction, you
&gAlelhat we may daducl tha ~ 01 such funds from your accoont(s) which
ara not cclIaclad 0<, . tha funds In your accoont(s) ara lnsuIIiciant at such tima,
you win prompUy pay to us any amount of such funds which are not collected.
7. Amendment of th18 Agreement
- &gAle - from lima to lima ... may amand 0< changa tha tarms of ,this
agr&amanl including amaodmants 0< changas to add fur1har MONEY ACCESS
CARO S8fvices or to amand 0< changa tha charges for thesa sar.4cas. We may
do so by notifying you In writing of such amandmanls 0< changas and your use
of the MONEY ACCESS CARD after the effecWe date of any such amandmant
or change shall constitute )'OUr acceptance of and agreement to such
amendment 0< changa,
8. Ownership
- &gAle lhat tha MONEY ACCESS CARD Is our ~ and you will
su_ k to us upon our request. _ agraa that tha MONEY ACCEss CARD
Is non-lnlnsfenalJle,
8. Dlsdosweo
- heraby acknowtadge racelpt 01 tha dIsdosura lillltamant InIorming you 01
your rlghts under the EIac:Ironic: FundsTransfer N;t and a copy of this Aoraemant
REGULATION"E" DISCLOSURE
1. Summary of Consumer liability
. MAC. ACH and SST - Ten us at once It you believe your card has been lost or
stolen, Telephoning Is tha best way to keap)'OUr possIbia losses down, _ could
loss all tha money In )'OUr IIOOOUnt plus your maJdmum CMlld"", line 01 crad'1l. "
you bar.....)'OUr card has bean lost or stolen, and you tan us wIlhln two business
days after you loam of the loss 0< theft. you can loss no mora lhan $50 "
somaona used your card without your pennissJon,
If you do not ten us within two business days after you learn of the loss or theft
of your card, and we can prove we could have stopped someone from using your
card without your permission if you had told us, you could lose as mud1 as $SOO.
Also, if your statement shows transfers that you did not make, tell us at once. If
you do not leU us within 60 days after the statement was mailed to you, you may
not get back any money )OU lost after tha 60 days " ... can prove that we could
have stopped somaona from taking the money . you had told "" In tima,
If a good r&lISOn such as. a long trip 0< a hospital stay kspt you from talUng us,
... will axtand tha lima periods,
2. Telephone Number and Address to Notify of Unauthorized Tranafera:
. MAC . Contact PSECU at (600) 237-7328 or Money Access SeNlca (MAC) at
(600) 523-4175 during PSECU norHlusinass hours, then follow up by contacting
PSECu at (600) 237-7328 the .- business day,
ACH and SST - Contact PSECU at (600) 237-7328 (nationwide) or
(717) 234 8181 (In Hanfsbulg),
Or write to ua at:
Pennoytvanla smu ~ CradU Union
P.O,1lox 87013
Hanfsbulg. PA 17106-7013
PSECU Busl_ Hou...
7:00 am, - 5:00 p.m. M - F
8:00 a,m, - Noon Sefurday
TOD (600) 472-1967 NationwIde
(717) 777-2100 In Hanfsbulg
3. RnanclaIInstltUllon'. Busl_ Days
MAc.. ACH and SST - PSECU's BusIness Days are Monday through Frlday,
Holidays not Included.
4. Type. of electronic Transfera: a Consumer May Make
II'AC . Balance inquiries on cheddng, savlngs and PSt.; wlthdmwafs from
_nglsavings; cash advance ,from PSt.; deposlts to c:heckingIsavlngs;
-.. goods and SONicas at any acoepting -_ishment,
ACH - Praautl10rizad debits and credits to cheddng and savings.
SST - Balance inquIrtes and transactlon histories on aM shara. COf1lflCale and
loan ~ transIets from any shara to _r shara 0< loan 8OCOUnt from
,~ PSt. to any shara 0< loan llOCOUnt; __ from any ohara, excapt IRA
_or_,
~---- --. ----..-: -....... ..--..... Of lOr the Right to ....ke-
MAC - Filly cents for each dIsbuI$emant (cash ~ or Withdrawal) less than
$20; fifty cents for each - ""'" 15 per month .~ a 25
charge on each balance inqukjt , -~ <ant
ACH - $20 - charge for Insufficlent funds for each electrontc lnlnsfer,
. SST - none
6. Summary of Consumer'a RIght to - Ooc:umantatton 01 EFra
. II'AC - - ara - to - a pr1ntad ~ at tl1e lima of """"
-- You will - a monIhIy statement showing tha _ 01
aoooont, any lransactIons made during Iha month. and any _ 0<-=
PSECu may Imposa during the monlh.
ACH and SST - - wII_ a monIhIy stalamant showing tl1e _ 01 youc
aocount. any lransactIons made during the month, and any P8na1tias 0< cltarges
PSECU may Impose during tha month,
If)OU have anangad to have a d1ract dOpos;t made to your account at least once
.....ry 60 days from tha same parson 0< """""",,, you can call us at (800) 237-
7328 to find out_ 0< not tha ~n has been made,
7, Stop Payment Rights - Pre-authorlzed transle...
MAC and SST - Not app/'lC8bIe.
ACH - Right to Stop Payment and Pro<:<>du.... for doing ao,lf you have toIdI
US In advance to maIol ragular _ out of your &ocount, you can atop any
of lhasa payments. Hera.. how: Call US at (600) 237-7328 1Nationwide) 0<"
(717) 234 8181 (Hanlsbwg) 0<_"" at Pennsylvania Stata ~ CradIt
Union, P.o.llox 87013, Hanisbu'll. PA 17106-7013, In 1lma lor US to _ you~
- tl1rae business days 0< mora before tha payment Is schaduIed to be
made. "you call, ... may also raquJra you to put your _In wrtting and grt
htous_14days_youcall.
. NotJoe otVal)'fng Amount.. If lhasa raguIar _ may vary In amount, the
person you ara going to pay will tan you, 10 days baIora aach p&yment, when h
will be made and how much h will be, _ may choosa instaad to get tl1Is notIc&
only when the payment would d'tfler by mora than a cartaJn _ from the
pravious paymant, or when the _ would laD outside cartaln Imlts that you
sat
Uablllty for Fallura to stop Payment of P""'uthorlzedTnmatera," you orde~
"" to stop one 01 thesa paymants 111.... business days 0< mora baIora 1he
bansfar Is scheduled. and ... do not do so, ... will be liable lor your losses 0<"
damages, unless !YO _ and do not racelve writtan confinnation of an oral
stop payment within 14 days and tha transfer takes pIaca after 14 days, or you
fall to give us proper instnJctions that woutd enable us to place the stop on the
transfer.
8. Summary of the Rnanelal Institution's Failure to Make or Stop Certain
Transfel"6
MAC - If PSECU fails to compfete a transaction on time or in the correct amount..
when propar1y Instructed by you, PSECU will be liable for damages caused by
ourlaDura unless: (1) thara ara insufflClent funds In your account to complete the
bansfar; (2) tha funds In your aocount ara unooIIected; (3) the funds ara silbject
to IegaJ process; (4) the transactlon you request WOUfd axcaed the funds In your
IIOOOUnt plus any available _raft protaction; (5) the Money Access Center.
PLUS system 0< HONOR AThI has insufficient c:asI1 to completa the transaction;
(6) your card has been raportad lost 0< stolen and you ara using the raported
card; (7) PSECU J1as raason to be_ lhat tha _ requested Is
unauthoftzed; (8) tha faI1ura Is due to an ~ braakdown that youpwmo;
about when you stattad the transactlon at the Money Access Canter.
System 0< HONOR ATM; (9) the faIIura was c:ausad by an act 01 God, lira. or
- catasIrophe. 0< by any _ cause ba)'oncI control; (10) If you atIanl>Ilo
~ a _ that, at a Money Access Canter, PlUS System 0<
HONOR AlM, 0< mO..hant larminaI that Is not a ~ _ listed
aboYe; 0<, (11) the transaction WOUfd axcaed the security IimIta1Ions on the use
of ~ Money _ CareL
. ACH and SST." PSECU _to completa a _ on time 0< In the COfTOCt
lII11OUl1l, when _fly .Instructad by you. PSECu will be Iiabla for damages
c:ausad by our /alura unless: (1) thara ara InsuIficIanl funds In ~(3acoount)the"":
complete the transIar; (2) tha funds In your account ara unooIIected.
ara subjac!to IegaJ process; (4) tha _ you request would _ the
funds 1n)'OUt account plus any available CMlld"", cradit; (5) PSECU has raason
to be_ that the transactlon requested Is unauthorizad; (6) the faIlura was
c:ausad by an act of God, fira. 0< o1her catastropha, or by anothe~~~ ~
control. In any casa, PSECU shall be Iiabla for a<:tuaI _ _._......
laDura to ...... the transactlon rasulled from a bona fide arror daspIte PSEClTs
procaduras to avoid such arron;,
9, DI_... to Third Parties nt to
. MAC, ACH and SST . PSECU will discIosa Inlormation about. W' .:; the
thIld partIas: (1) when h Is nacassary to comp/ata transacIions, of Ihlld party,
existence and standing of your account wtth PSECU upon ~ court orders;
such as a cradit bureau; (3) to comply wIlh government agency mment or
(4) In accordanca wIlh your written permission; (5) to ~~:: raceipt ot
- -ncy summonsas, suIlpoenas, 0< c:ourt, . for Inlormation
"....lficatiu.. from a Federal Agency 0< departmant that a~~ and (7) when h
Is In compIIanca wllh the Right to FInanc:IaJ Prtvacy N;t ~ ,
Is nacassary to _1egaJ action to r&OOIIOl'_,
~,--.....uJ
1G.UONtoY ACCESS CENTER Sen.olceo
MAC Omy - YoU'may use your MONEY ACCESS CARD _ yo..- Personal
_tlon _ (PIN) 81 MONEY ACCESS CENTERs located In DeIaW8l"8.
~, N<iw Jeniey and PonnsyIvania to conduct any <lI the lol1owlng
1nuas:actk).'6brtheaocounts":a adbyyourMONEYACCESSCARo..
a) Detennino the account balanoe(s) <lI yo..- Cheddng your Regular ShaAlS,
and your PeISOnlll_ Loan (PSL),
b) Withdraw cash from yo..- Cheddng and your Regular Shares.
0) Make a cash advance from yo..- PeISOnlll Sarvica Loan (PSL),
d) Depoolt CUIT1lflC)', cI1ecks. Of _ (coins "'" not aoceptabIa) ""lIwlsmlssion
to PSECU "" deposit In yo..- Cheddng and yo..- Regular Shams,
NOTE: There "'" Iimlted locations In Maryland whare deposits may be made.
We wish 10 infom1 you lhat some MONEY ACCESS CENTERs located in these
areas may only pl"OYide access to yo..- Cheddng.your Regular Shares, and your
Pernonal _ Loan, Not all MONEY ACCESS CENTERs may accept
deposits, There may also be limits on the amount of funds wl1ich you may
deposit in certain MONEY ACCESS CENTERS,
11. PLUS SYSTEM" SelVlces
MAC Only - Yoo may use your MONEY ACCESS CARO with yo"' Personal
ldentificatlon Number (pIN) at any PWS SYSTEM automated teUer machine
(PLUS SYSTEM AlM) located tfvoughout the United States, Puerto Rico,
Canada, Great IldtaJn and Japan to conduct any of the following transactions on
the accounts accessed by your MONEY ACCESS CARD.
a) Determine the account balance(s) of your Cheddng. your Regular Shares,
and your PeISOnlll_ Loan (PSL).
b) Withdraw cash from yo..- Cheddng and your Regular Shares.
0) Make a cash advance from your Petsonal Sarvica Loan (PSL),
NOTE: Deposits are not available through PLUS SYSTEM AlMs.
These "'" the MONEY ACCESS CENrER seMoes cun-entIy available through
the PLUS SYSTEM netwcxl<. Other seMces may be offered in the future,
12. HONOR" System ServIces
MAC Only - You may use your MONEY ACCESS CARD with yo..- I'e<sonaJ
Identification Number (PIN) 81 any HONOR automated teller machine (HONOR
1J"M) located tfvoughout Florida and other areas where the\" are HONOR
ATMs, The lol1owlng bansections may be done on the aCCOUhts accessed by
yo..- MONEY ACCESS CARO,
a) Determine the account balance(s} of your Checking, your Regular Shares.
and your Personal Sarvice Loan (PSL),
b) Withdraw cash from your Checking and your Regular Shares.
0) Make a cash advance from your Personal Sarvica Loan (PSL),
NOTE: Oaposits "'" not available through HONOR SYSTEM AlMs,
These are the MONEY ACCESS CENTER se<Vices cun-enUy available through
the HONOR SYSTEM _ Other se<Vices may be offered in th.future,
13. Other ATM Netwol'k Access
MAC Only - From time to time, PSECU may make arrangements with other ATM
08_ to grant access to MONEY ACCESS CARDs, PSECu shall infonn you
when such llll'8ngements "'" made and describe the se<Vices that are avaUable
to you, Nrt charges will also be__
14. Purc:haseTra_
. MAC Only- You may use the MONEY ACCESS CARD to _ goods and
-.tees l"PuR:hase, at any notal oatabIlshment ~ _... MONEY
ACCESS CARDc "'" ""CGpted by such MaIthant. The amount <lI aI such
Pun:hasas wm be deducted from your Cheddng, When you _ a Pun:hase
using the MONEY ACCESS CARD, you will be ~ng PSECU to withdraw
funds from yo..- Cheddng In the amount 01 the Pun::/1ase and dil'8dlng PSECU
to pay these funds to such Men:hant.
15. LImIlatlono on the Use of your MONEY ACCESS CARD
. MAC Only - You may _ up to $500 per day from one Of a combination of
yo..- accounts by using a MONEY ACCESS CARD pnwlded the funds "'"
available at a MONEY ACCESS CENTER, PLUS SYSTEM Of HONOR System
ATM, In addition, you may ~ up to $500 at point 01 sale
locations, PSECU .....""'" the rfght to -.co this dally _ 81 any Ume,ln the
....... that your dally lImlt Is less than $500. PSECU wm _ you <lithe new
limitation, The day "" withdrawallimlts starts 8112 midnight each day and ends
at 12 midnight the next day, For security purposes, there "'" also certeln dally
limitations on the frequency of use 01 the MONEY ACCESS CARD. However,
these imitations are not _led "" Security Al8SOIlS, The Pennsylvanla State
Emp/oyees Creeln Union Is not obliged to maintein such limitations,
You will be denied use of your MONEY ACCESS CARO If you _ the dally
wlthdiawaVpurchase fimlt, If you do not """" adequate funds available In your
account. do not enter the correct Personal ldenlifoca1lon Number (pIN), Of
- the frequency ot usege fimltation. The recelpt prOYlded by the MONEY
ACCESS CENTER, PLUS SYSTEM, Of HONOR System JIJM, Of Meid1anl
letmInel will notlly you of the denial, Thenlls a llmil on the number 01 such
_Is permitted. Attempts 10 _the Iimlt will Alsutt In machine rvtentIon <lI
--- _. - -- ...- .._U__'__. -~..,..."", ....., f8SUf1...1l1achlne
retention Is not............, "" securtly__
16. Error Resolution Procedu....
MAC, ACH and SST - In case 01 8mlfS or questions about your lransactioos:
DIrect Inquirles to PSECU at (800) 237-7328 Nationwtde. TOO (800) 47.2-1967
Natlonwtde, (717) 777-2100 In Hanisburg, Of _ PSECu at ~
State Employe.. CnldIt Union. P.O. Box 67013, Harrisburg, PA 17106-7013, as
soon as you can If you think your _nent Of AlCOlplls wrong, Of If )<lU need
more Inlormatlon about a _listed on the __ Of recelpt, PSECU
must hear from you 00 later than 60 days after ft sent )<lU the first __ on
wl1ich the problem Of error &ppe8Ald. You roost provide the ~ lnIonnatlon:
(a) Your name, account number. and MONEY ACCESS CARD -(It a MAC
1ransadIon), Of _ranee number (If Setf.Service Te\ephone Transaction): (b)
Oescribe the enor Of the - )<lU "'" unsure about, and 8llplaIn as
deatty as you can why you _ lis an error Of why you need the lnIonnatlon
and; (e) The dollar amount of the suspected enor, .
If you tell PSECU orally, you roost send your complaint Of question in writing
within 10 business days. PSECU will tell you the 0lSUtts 01 the ~tlon
within 10 business days "" MONEY ACCESS CENTER, PLUS SYSTEM,
HONOR SYSTEM, SELF-SERVICE TElEPHONE, Of OIRECT OEBfTJCAEOfT
TRANSACllONS, or 20 days "" MONEY ACCESS CENTER I'Un:hase
transactions. If we need more time, however, we may take up to 45 days tor
MONEY ACCESS CENTER, PLUS SYSTEM. HONOR SYSTEM, SELF-
SERVICE TElEPHONE, or OIRECT OEBfTJCAEOfT TRANSACllONs or 90
days "" MONEY ACCESS CENTER puICl\ase transactlons.lf PSECU decIdas
to do IhIs. ftwlllAlCAl<fnyo..- acoountwllhln 10 buslnessdays ""the amount you
think Is In enor If ft Is a MONEY ACCESS CENTER, PLUS SYSTEM, HONoR
SYSTEM. SELF-SERVICE TELEPHONE. or DIRECT DEBfTlCREOfT
1ransaction, Of 20 business days . If Is a MONEY ACCESS CENrER JlUR;hase
bansecllon. You will """" the use 01 the money during the time ft takes to
complate the Inwstigation. If PSECU does not """""" your comp/aJnt Of
question In writing within 10 business days, PSECU may not AlCAl<fn your
aocounL If PSECU decides the... Is 00 error. you will be advised within lIvee
business days after the Investigatlon Is completed, You may ask "" copies of the
documents PSECU used In the InYestigatIon. If PSECU cred'1tS yo..- account
while Investigating, you must ...pay those funds . PSECU concludes 00 error
has occurred,
Notice To Consumers Using ATM'.
Be alert 10 your surroundings, If you doubt the salaty of a par1iculal" location,
choose another ATM,
ff the ATM has an entry door, close the door prior to initiating your transaction.
Put your cash away immediately.
Direct complaints concerning ATM security to 8n appropriate department of
the owner of the ATM. New Jersey residents: you may call the New Jersey
Department of Banking 81 (609) 292,7272.
For those members who purchase a vehicle under the
DRIV Program, please review the fOllowing FTC Notice:
NOTICE
ANY HOLDER OF THiS CONSUMER CREDIT CONTRACT
is SUBJECT TO ALL CLAIMS AND DEFENSES WHICH
THE DEBTOR COULD ASSERT AGAINST THE SELLER
OF GOODS OR SERVICES OBTAINED WITH THE
PROCEEDSHEREO~ RECOVERYHEREUNDERBYTHE
DEBTOR SHALL NOT EXCEED AMOUNTS PAID BYTHE
DEBTOR HEREUNDER.
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Exhibit C
PSECI!P
.
.tha financial link,"
October 29,2001
~0195628983
Nicholas Graybill
122 Cottage Lane
Shermansdale, PA 17090
,'lanCE OF REPOSSESSTO'i A'iD SALE
T!I~ 200 j i(awasaki ZX600R. \'I~T fJK.A~ZXJ.Jl81t-.032.873, \,vhich we are f;ns..ncing for YO'J he.s be~n
-"-1-:'" ""''-::1.0. :;~,~,-",--< ,_ _,.,'" >:1 8'iY 1':1:_', .~ 7:ri~
')
Aue:tiOl1"
Har:-isburg )',1)~O /\..)Jc::i::~n
\.;Q'/~r::l~}er ~I') )rll
] 0 70",;,,,:
: lCiO S 'icek S~:'::~l
:\'le:.taniesb'..:rg. ?,':'. JiGS)
(717~' 697-2222
Date-
The I'ehicie will remain in swrage until November 13, 2001. '( 01..1 na\ e me legai nght to redeern mrs 'ilO~Ol
,-"ehlcIe -~:j~hin fifteen (15) days after the mailing ofrhis NOTiCE OF RSPOSSESSrO:-J AND SALE 0)
qJ)'-ment of the AMOli;-JT NECESSARY TO REDEEM \;'Ef-JICLE.
Amount of Unpaid Balance (L 10)
,An1ount of Interest
S:?O 19.11
] 07.0]
P),-~s Expenses:
Repossess!orL Exp~::s~
Storage E':p~~3e ,:RS 1
() 0/27 -1 j,. 13 )
325.0G
~04.00
,"-'~,,,,;'- "f: C:ll;t
~~""~ ~,' _'_H"
:~a'C.:: r te
:S,Sj
iJth~r
L::~:; Cred;t for Unearned ChaT-2:e~'
Pi:~2.nce C"'isrge
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PENNSYLVAN[A STATE EMPLOYEES CRE:OfT UNION
r\~ai~ ,Ad:h3SS: 1 C~-=j;t Unis'" ,:::>;a '-:-= , ~a"-is:-:J~S. ?,A 'i71;C-29~'J' (717) 234-S';:':L. ,:5:)oJ) 237-7228
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'....' s::: ,':,::::':' ~::; s 3: ':/ .":;.:::::; '" c: ''; , ;::: .-;',
Exhibit D
PSECatP
.
the financial link 'M
January 17. 2002
#0195628983
Nicholas Graybill
122 Cottage Lane
Shermansdale, PA 17090
Dear Mr. Graybill.
\,"0'..1[" t8;J'::;ssessed lJehj~;2 h3S 838;; s8j=!. The tots: 2;-;-,:;'J:i~ ::\\;-3:] the C;-e::l:t
Union after the disposal of your \'/ehic\e is S4,683,77. Listed belovv is the
breakdown of charges and proceeds realized on the sale.
Balance as of last paynlent date
Interest
Charges
Repossession Fee
Auction Fee
Other Fee
Late Fee
Tota! Charges
$7,919.11
107.01
S325 00
S117.00
S 1565
$ 45765
T _~~ ("v~-1:..~.
~G:::>::-> ,--,!~U!L::::>.
insurance (coliision)
Sale of car
D---.",...."",.....,,-."-
I OYlllel1l
Total CI"edits
'33,800 00
3>3;80D.00
,!::.,:,"'ount Dus
3337"7
is c.2iai-ice :3 payable !!T!iT:s;jj2te]-:/ uniess \/'/8 [-S::;:::. ~
'2(:-( ::-i
JailU8i-Y 28,2002, VJ2 illay proceed vv'ith legal actiDii. if i,JU na'/2 any questio:-s
:-egai-ding this nlatter you n~ay contact illC at (8DO~, 237-732,3 rV~IY exte"siOil
[lumber is 6-3116
(F>rRe~ /
~~~Z~
Collection Dept.
p=~.Jr\) \,:..v:...~,'~. s-;-"'-:-:. :::,.;?LCY==.S ;;~=:;:T :":~,:c:~
r.f?i~~,djrsss 1 Cr<2jit U :0~ P'2,C~. !--f?r-'s:<:-:;:, P_A, i7110-299~}. ,'7i7) 23L-8L3..:l' (BeQ, 237-7328
I'./a,i "9 Adjrass: P,G_ 3GX 570 3, Ha"is::c;;'" i-''';., 7: J6-7(;13. (717) 777-21 QJ t i UU) (ci:JiJ) <l/2-Hi67 (Il)U,I
" \'$j~2j..~SS: \\'-.'i,v.pse:;u .Cc::Il
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Exhibit E
Exhibit F
PSE(~
.
the financial link T"
January 17, 2002
#01 95628983-L 11
Nicholas Graybill
122 Cottage Lane
Shermansdale, PA 17090
Dear' Mr. Graybill
YCJur" repossessed vehicle has been sold The total 3!110unt :J\.vsd th9 C:-ed:t
_)ni':J1i after ths cJiSDDS8! or
:- \I'St-,ic:ie:s 310,3:;,:]."13 ! ic:c;:),-f ~:>2iD\'\' ::3 ~;-:3
br-eakdo\^!n of charges and proceeds realized 0;1 ~he sale'
3alance as of last payrnerlL elate
! nterest
S22.40000
404 50
Charges
Repossession Fee
Auction Fee
Other Fee
$325.00
$18200
I _...~ 1__
L-dLt:: rt::e
S 38.68
Totai Charges
S
54568
Less Credits
insurance (coliision)
Sale of car
313.000.00
Payment
Tota! Credits
c: ~ ') ("inn (",n
'-' i ",,;,uuv.uu
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:3 ::)::;!3:-:C8 is ,82';..'2:::3 i:--:i!~i3.ji-s:e!y. l.j,,:S32. -,,',,'S :-,=;CSj'-.,:'3
_!:3n'_!3:-/23 2CY)2, \//2 :-:i8);' P:-OC82:] ;egai act:,:;n. II ,/u'_' :-j:3V2 c.;L2S'!:!'J'-S
"'-3;; a :;:g Inis matle:. you may contact ;lIS at {SOc.) 237-7328 fv1yexteilSf0'1
, '''-' ,-. ~ ~ "'"
nUi-noer is 'J ~,j lib
~i~"'''''''-''''''' /7
(( ~(r ~'r "/
0veLGal:cla cJ
p.ccount Advisor
Collection Deat
P EN!~ S YL VAN!~. STAT=: ::.r,~? c..,) \' ~ ~ s ::: ~:::::! T u,,:.:; r"
lv1ai~ Address j Credit Uniol' :O:?ce, H2.:<sburg, ?t.. 17~ 1 :',-;:>990. (7: 7:.23,1-;:::'.:15.:'.. ::2C;':':: 237-7322
iv~~:I;n';ll-,dJcess: P.':)_ 3::): 67':;,3, Harrisbu:g, f--'A i 71 06-70", 3. (717) 777-2-,0::1 (TDO'i (800:; ':::'72-1967 (TOO)
1.\'8::> A,jc:r3SS: \.vw':/.DS8'="_'.S':;~"
~~ ._.?'IS'_._ -' ~~. ~ ~ '-'. "---.' - . '. ~.__.. .~- "~ ~"."="'~"'"
S?",;ngs rede~;;:I!y ';;su~e::! U:J :~ 5'1 OC;O.JO by :he Ne~ial.al Crec:it Union Administration
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Godfrey & Courtney. P.C.
BY: Steven C. Courtney, Esquire
Attorney I.D. No. 74669
P.O. Box 6280
Harrisburg. P A 17112
(717) 540-3900
Attorn.,y for Plaintiff
Plaintiff
IN THE COURT OF COMMON PLEAS,
CUMBERLAND COUNTY,
PENNSYLVANIA
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
vs.
NO. 02-5110
NICHOLAS J. GRAYBILL,
Defendant
CIVIL ACTION -LAW
PRAECIPE TO REINSTATE
TO THE PROTHONOTARY:
Please reinstate the Complaint with regard to Nicholas J. Graybill in the above-captioned
matter.
Respectfully submitted,
By:
GODFREY & COURTNEY, P.C.
\~
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GODFREY IURTNEY, P.C.
P.O. Box 6280
Harrisburg, PA 17112
717-540-3900
I.D. #74669
Attorney for Plaintiff
Dated: November 13, 2002
~2 ;~
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SHERIFF'S RETURN - OUT OF COUNTY
CASE NO: 2002-05110 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
PENNSYLVANIA STATE EMPLOYESS C
VS
GRAYBILL NICHOLAS J
R. Thomas Kline , Sheriff or Deputy Sheriff who being
duly sworn according to law, says, that he made a diligent search and
and inquiry for the within named DEFENDANT
, to wit:
GRAYBILL NICHOLAS J
but was unable to locate Him
in his bailiwick. He therefore
deputized the sheriff of PERRY
County, Pennsylvania, to
serve the within COMPLAINT & NOTICE
On December 11th, 2002 , this office was In receipt of the
attached return from PERRY
Sheriff's Costs:
Docketing
Out of County
Surcharge
Dep Perry County
Mileage
18.00
9.00
10.00
35.90
6.90
79.80
12/11/2002
GODFREY & COURTNEY
So answers:
~.7 /
~.<. ~ ..- -
R. h6~;~Kline #~/
Sheriff of Cumberland
County
Sworn and subscribed to before me
thi s Jre
day of ~~
2;,'0 LA. D .
~~~Q~/.- ~:
Prothonotary'
SHERIFF'S RETURN
In the Court of Common Pleas
Ofthe 41 ,t Judicial District
of Pennsylvania-Perry County Branch
Pa. State Employees Credit Union
Vs
Nicholas J. Graybill
240 Fox Hollow Rd.
Shermansdale, Pa. 17090
NO. 2002 5110
Carl E. Nace, Sheriff, who being duly sworn according to law, says that he made a
diligent search and inquiry for the within named Defendant(s) to wit Nicholas J.
Graybill, but was unable to locate him/her in his bailiwick. He therefore returns the to
the within Complaint to the above named Defendant(s) Nicholas J. Graybill of 240
Fox Hollow Rd. Shermansdale, Pa., NOT FOUND. As per defendants mother who
lives at above address, Nicholas Graybill does not live there anymore and she has no idea
where he is living.
Sworn and subscribed to before me
this _ day of , 2002.
So Answers,
~r~
Sheriff of Perry County
In The Court of Common Pleas of Cumberland County, Pennsylval1lia
Pennsylvania State Employees Credit Union
Vs.
Nicholas J. Graybill
SERVE: same
No.
02
5110 civil
N November 21, 2002
ow,
, I, SHERIFF OF CUMBERLAND COUNTY, P A, do
hereby deputize the Sheriff of
Perry
County to execute this Writ, this
deputation being made at the request and risk of the Plaintiff.
~/?/ .~'
~~...c".~ ../_~~~
Sheriff of Cumberland County, P A
Affidavit of Service
Now,
,20_,at
0' clock
M. served the
within
upon
at
by handing to
a
copy of the original
and made known to
the contents thereof.
So answers,
Sheriff of
County, PA
Sworn and subscribed before
me this _ day of ,20_
COSTS
SERVICE
MILEAGE
AFFIDA VIT
$
$
Godfrey & Courtney, P.c.
BY: Steven C. Courtney, Esquire
Attorney I.D. No. 74669
P.O. Box 6280
Harrisburg, PA 17112
{717) 540-3900
Attorney for Plaintiff
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
IN THE COURT OF COMMON PLEAS,
CUMBERLAND COUNTY,
PENNSYLVANIA
VS.
NO. 02-5110
NICHOLAS J. GRAYBILL,
Defendant
CIVIL ACTION -LAW
PRAECIPE TO REINSTATE
TO THE PROTHONOTARY:
Please reinstate the Complaint with regard to Nicholas 1. Graybill in the above-captioned
matter.
Respectfully submitted,
Dated: January 13, 2003
GO~
By: Steven C. Courtney, Esquire
GODFREY & COURTNEY, P.c.
P.O. Box 6280
Harrisburg, P A 17112
717-540-3900
I.D. #74669
Attorney for Plaintiff
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Godfrey & Courtney, P.e.
BY: Steven e. Courtney, Esquire
Attorney I.D. No. 74669
P.O. Box 6280
Harrisburg, PA 17112
(717) 540-3900
Attorney for Plaintiff
PENNSYL VANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
IN THE COURT OF COMMON PLEAS,
CUMBERLAND COUNTY,
PENNSYL VANIA
VS.
NO. 02-5110
NICHOLAS J. GRAYBILL,
Defendant
CIVIL ACTION -LAW
PRAECIPE TO REINSTATE
TO THE PROTHONOTARY:
Please reinstate the Complaint with regard to Nicholas J. Graybill in the above-captioned
matter.
Respectfully submitted,
Dated: January 13, 2003
By: Steve C.
GO F
P.O. ox 6280
Harrisburg, P A 17112
717-540-3900
J.D. #74669
Attorney for Plaintiff
(") 0 C)
C W -n
s. -r"\
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Qi~i C)
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5iQ _";'0,,"
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SHERIFF'S RETURN - OUT OF COUNTY
CASE NO: 2002-05110 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
PENNSYLVANIA STATE EMPLOYESS C
VS
GRAYBILL NICHOLAS J
R. Thomas Kline , Sheriff or Deputy Sheriff who being
duly sworn according to law, says, that he made a diligent search and
and inquiry for the within named DEFENDANT
, to wit:
GRAYBILL NICHOLAS J
but was unable to locate Him in his bailiwick. He therefore
deputized the sheriff of DAUPHIN County, Pennsylvania, to
serve the within COMPLAINT & NOTICE
On January
31st , 2003 , this office was In receipt of the
attached return from DAUPHIN
Sheriff's Costs:
Docketing
Out of County
Surcharge
Dep Dauphin County
18.00
9.00
10.00
25.50
.00
62.50
01/31/2003
GODFREY & COURTNEY
s~~=
R. Thomas Kline
Sheriff of Cumberland County
Sworn and subscribed to before me
this ..1'''::::- day of .Jd~
:201J3 A.D.
../}
l I. C '\A ' --.
~'fR...--. ' rvd~,.J' ~
Prothonotar
@iiite of tltt ~4c:riff
William T. Tully
Solicitor
J. Daniel Basile
Chief Deputy
Mary Jane Snyder
Real Estate Deputy
Michael W. Rinehart
Assistant Chief Deputy
Dauphin County
Harrisburg, Pennsylvania 17101
ph: (717) 255-2660 fax: (717) 255-2889
Jack Lotwick
Sheriff
Commonwealth of Pennsylvania
PENNSYLVANIA STATE EMPLOYEES CREDIT
vs
County of Dauphin
GRAYBILL NICHOLAS J
Sheriff's Return
No. 0178-T - -2003
OTHER COUNTY NO. 02 5110
I, Jack Lotwick, Sheriff of the County of Dauphin, State of
Pennsylvania, do hereby certify and return, that I made diligent
search and inquiry for GRAYBILL NICHOLAS J
the DEFENDANT named in the within REINSTATED NOTICE & COMPLAINT
and that I am unable to find him/her in the County of Dauphin, and
therefore return same NOT FOUND, January 24, 2003
NEED BETTER ADDRESS. NO LONGER WORKS THERE AS OF JANUARY 10 2001. HIS NEW
ADDRESS IS 266 SLED DRIVE SHERMANSDALE PA
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So Answers,
?f~
Sheriff of Dauphin County, Pa.
Sworn and subscribed to
before me this 27TH day of JANUARY, 2003
.
/1 ')
~ .-
PROTHONOTARY
By
Deputy Sheriff
Sheriff's Costs: $25.50 PD 01/16/2003
RCPT NO 174292
In The Court of Common Pleas of Cumberland County, Pennsylvania
Pennsylvania state Employees Credit Union
VS.
Nicholas J. Graybill
serve sam"
No. 2002
5110 Civi 1
Now, Janu~ry IS. 2003
, I, SHERIFF OF CillvIBERLAND COUNTY, P A, do
hereby deputize the Sheriff of
Dauphin
County to execute this Writ, this
deputation being made at the request and risk of the Plaintiff.
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- - Sheriff of Cumberland County, PA
Affidavit of Service
Now,
,20_, at
0' clock
M. served the
within
upon
at
by handing to
a
copy of the original
and made known to
the contents thereof.
So answers,
Sheriff of
County, PA
Sworn and subscribed before
me this _ day of ,20_
COSTS
SERVICE
MILEAGE
AFFIDAVIT
$
$
Godfrey & Courtney, P.c.
BY: Steven C. Courtney, Esquire
Attorney I.D. No. 74669
P.O. Box 6280
Harrisburg, PA 17112
(717) 540-3900
Attorney for Plaintiff
Plaintiff
IN THE COURT OF COMMON PLEAS,
CUMBERLAND COUNTY,
PENNSYLVANIA
PENNSYL VANIA STATE EMPLOYEES
CREDIT UNION,
VS.
NO. 02..5110
NICHOLAS J. GRAYBILL,
Defendant
CIVIL ACTION -LAW
PRAECIPE TO REINSTATE
TO THE PROTHONOTARY:
Please reinstate the Complaint with regard to Nicholas J. Graybill in the above-captioned
matter.
Respectfully submitted,
Dated: March 1, 2003
B . ourtney, Esquire
GODF & COURTNEY, P.C.
P.O. Box 6280
Harrisburg, P A 17112
717-540-3900
J.D. #74669
Attorney for Plaintiff
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SHERIFF'S RETURN - OUT OF COUNTY
CASE NO: 2002-05110 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
PENNSYLVANIA STATE EMPLOYESS C
VS
GRAYBILL NICHOLAS J
R. Thomas Kline
, Sheriff or Deputy Sheriff who being
duly sworn according to law, says, that he made a diligent search and
and inquiry for the within named DEFENDANT
, to wit:
GRAYBILL NICHOLAS J
but was unable to locate Him
ln his bailiwick. He therefore
deputized the sheriff of PERRY
County, Pennsylvania, to
serve the within COMPLAINT & NOTICE
On February 24th, 2003 , this office was ln receipt of the
attached return from PERRY
Sheriff's Costs:
Docketing
Out of County
Surcharge
Dep Perry County
18.00
9.00
10.00
23.30
.00
60.30
02/24/2003
GODFREY & COURTNEY
~~
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~. Thoma~ ~ne
Sheriff of Cumberland County
Sworn and subscribed to before me
this Pl7~ day of ]..J~
eJ-DV3 A.D.
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. Prothonotary
SHERIFF'S RETURN
In the Court of Common Pleas
Of the 41 st Judicial District
of Pennsylvania-Perry County Branch
PSECU
Vs
Nicholas J. Graybill
266 Sled Dr.
Shermansdale, Pa. 17090
NO. 02-5110
Carl E. Nace, Sheriff, who being duly sworn according to law, says that he made a
diligent search and inquiry for the within named Defendant(s) to wit Nicholas J.
Graybill, but was unable to locate him/her in his bailiwick. He therefore returns the to
the within Complaint to the above named Defendant(s) Nicholas J. Graybill at 266
Sled Drive Shermansdale, Pa. 17090 NOT FOUND. Defendant moved from this
address over 1 year ago. No forwarding address.
Sworn and subscribed to before me
this 02/S+-. day of E.eiJ:;:e, 2003.
:tfI1~ ~ i,~ . 1
NOTARIAL SEAL
MARGARET F. FLICKINGER, NOTARYPUBUC
BLOOMFiElD BORO., PERRY COUNtY
MY COMMISSION EXPIR FEB. 16 2004
So ~/J
Car~ ( flia
Sheriff of Perry County
In The Court of Common Pleas of Cumberland County, Pennsylvania
Pennsylvania State Employees Credit Union
vs.
Nichaols J. Graybill
SERVE: same 02-5110 civil
No.
Now, Febrllary 12, 2003
, I, SHERIFF OF CUMBERLAND COUNTY, P A, do
hereby deputize the Sheriff of Perry
County to execute this Writ, this
deputation being made at the request and risk of the Plaintiff.
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Sheriff of Cumberland County, PA
Affidavit of Service
Now,
,20_, at
o'clock
M. served. the
within
upon
at
by handing to
copy of the original
a
and made known to
the contents thereof.
So answers,
Sheriff of
County, PA
,
Sworn and subscribed before
me this_day of ,20_
COSTS
SERVICE
MILEAGE
AFFIDA VIT
$
$
SHERIFF'S RETURN - OUT OF COUNTY
CASE NO: 2002-05110 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
PENNSYLVANIA STATE EMPLOYESS C
VS
GRAYBILL NICHOLAS J
R. Thomas Kline
, Sheriff or Deputy Sheriff who being
duly sworn according to law, says, that he made a diligent search and
and inquiry for the within named DEFENDANT
, to wit:
GRAYBILL NICHOLAS J
but was unable to locate Him
in his bailiwick. He therefore
deputized the sheriff of PERRY
County, Pennsylvania, to
serve the within COMPLAINT & NOTICE
On March
17th, 2003 , this office was in receipt of the
attached return from PERRY
Sheriff's Costs:
Docketing
Out of County
Surcharge
Dep Perry County
18.00
9.00
10.00
21.30
.00
58.30
03/17/2003
GODFREY & COURTNEY
s~
R. homas Kline
Sheriff of Cumberland County
Sworn and subscribed to before me
this (8' i-fc day of ~
~6(j ~
~.
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SHERIFF'S RETURN
In the Court of Common Pleas
Of the 41 st Judicial District
of Pennsylvania-Perry County Branch
Pennsylvania State Employees Credit Union
Vs
Nicholas J. Graybill
Shermans Creek Inn # 7
Shermansdale, Pa. 17090
NO. 02-5110
Carl E. Nace, Sheriff, who being duly sworn according to law, says that he made a
diligent search and inquiry for the within named Defendant(s) to wit Nicholas J.
Graybill, but was unable to locate him/her in his bailiwick. He therefore returns the to
the within Complaint to the above named Defendant(s) Nicholas J. Graybill, at
Shermans Creek Inn #7 Shermansdale, Pa. 17090 NOT FOUND. Manager at
Shermans Creek Inn let Sheriffs Deputies into room #7. Mr. Gray bill had lived there,
however he moved out without telling the management. There was mail piled up on the
floor from February. There is no forwarding address at Shermansdale, P A Post Office.
d2r /Ik
Sworn and subscribed to before me
this 14M day of IJ1ttrch ,2003.
'-mal <d 'i- 'I- ~ -
I NOTARIAL SEAL
MARGARET F. FLICKINGER, NOTARY PUBLIC
BLOOMFIELD BORO., PERRY COUNTY
MYCOMMISSION EXPIRES FEB. 16 2004
Sheriff of Perry County
In The Court of Common Pleas of Cumberland County, Pennsylvania
Pennsylvania State Employees Credit Union
VS.
Nicholas J. Graybill
SERVE: Nicholas J. Graybill
No.
02-5110 civil
N March 12, 2003
ow,
, I, SHERIFF OF CUMBERLAND COUNTY, P A, do
hereby deputize the Sheriff of
Perry
County to execute this Writ, this
deputation being made at the request and risk of the Plaintiff.
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Sheriff of Cum berland County, P A
Affidavit of Service
Now,
,20_, at
0' clock
M. served the
within
upon
at
by handing to
copy of the original
a
and made known to
the contents thereof.
So answers,
Sheriff of
County, PA
Sworn and subscribed before
me this_day of ,20_
COSTS
SERVICE
MILEAGE
AFFIDA VIT
$
$
GodCrey & Courtney, P.C.
BY: Steven C. Courtney, Esquire
Attorney I.D. No. 74669
P.O. Box 6280
Harrisburg,PA17112
(717) 540-3900
Attorney Cor Plaintiff
Plaintiff
IN THE COURT OF COMMON PLEAS,
CUMBERLAND COUNTY,
PENNSYL VANIA
PENNSYL VANIA STATE EMPLOYEES
CREDIT UNION,
VS.
NO. 02-5110
NICHOLAS J. GRAYBILL,
Defendant
CIVIL ACTION -LAW
PRAECIPE TO REINSTATE
TO THE PROTHONOTARY:
Please reinstate the Complaint with regard to Nicholas J. Graybill in the above-captioned
matter.
Respectfully submitted,
GODFREY & COURTNEY, P.C.
Dated: 7/17/03
By: Steven.
G & COURTNEY,
P.O. Box 6280
Harrisburg, PA 17112
717-540-3900
I.D. #74669
Attorney for Plaintiff
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SHERIFF'S RETURN - OUT OF COUNTY
CASE NO: 2002-05110 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
PENNSYLVANIA STATE EMPLOYESS C
VS
GRAYBILL NICHOLAS J
R. Thomas Kline
, Sheriff or Deputy Sheriff who being
duly sworn according to law, says, that he made a diligent search and
and inquiry for the within named DEFENDANT
, to wit:
GRAYBILL NICHOLAS J
but was unable to locate Him
in his bailiwick. He therefore
deputized the sheriff of PERRY
County, Pennsylvania, to
serve the within COMPLAINT & NOTICE
On July
30th , 2003 , this office was in receipt of the
attached return from PERRY
Sheriff's Costs:
Docketing
Out of County
Surcharge
Dep Perry County
So
18.00
9.00
10.00
38.00
.00
75.00
07/30/2003
GODFREY & COURTNEY
R. homas Kline
Sheriff of Cumberland County
Sworn and subscribed to before me
this f'!'- day of C;L~
.2.",,3 A.D.
() D )y"RP,,, n&~_
'----t1'-'- Prothonotary .
In The Court of Common Pleas of Cumberland County, Pennsylvania
Pennsylvania State Elnployees Credit Union
VS.
Nicholas J. Graybill
SERVE: Sffile
Now,
July 25, 2003
hereby deputize tlie Sheriff of
Perry
No. 02-5110 civil
, I, SHERIFF OF CUMBERLAND COUNTY, P A, do
County to execute this Writ, this
deputation being made at the request and risk of the Plaintiff.
r~~~
Sheriff of Cum berland County, P A
Now,
July 29,
within
Notice & Complaint
Affidavit of Service
,20------.Qd,at 08:300'clock A M.servedthe
upon
Nicholas J. Graybill
at
POE: Fersters Meats
by handing to
Butchershop Rd. Penn Township
Duncannon, PA 17020
Nicholas J. Graybill
a
True & Attested
and made known to
Him
Sworn and subscribed before
me this~ day of.,JU If ,20 03
. '!nctf/lMif i -1 kLr
u NOTARIAl~...A 'j
MARGARETf. FlICKINGER.NirlARY puUlc
BlOOMRElO BORO., PERRY COUNTY
MYCOMMISSION EXPIRES fEB.16, 2004
copy of the original Notice & Complaint
the contents thereof.
So answers,
James C. Wilson
~~
Perry
County, PA
COSTS
SERVICE
MILEAGE
AFFIDA VIT
$
$
Godfrey & Courtney, P.c.
BY: Stenn C. Courtney, Esquire
Attorney I.D. No. 74669
P.O. Box 6280
Harrisburg, PA 17112
(717) 54().3900
Attorney for Plaintiff
l'\
~
Plaintiff
IN THE COURT OF COMMON
PLEAS, CUMBERLAND COUNTY,
PENNSYL VANIA
PENNSYL VANIA STATE EMPLOYEES
CREDIT UNION,
VB.
NO. 02-5110
NICHOLAS J. GRAYBILL,
Defendant
CIVIL ACTION -LAW
TO: Nicholas Graybill, Defendant
You are hereby notified that on 3rc{ , the following (~) (Degree) (Judgment)
has been entered against you in the above captioned case for your failure to file an answer to the
complaint in the total amount of$18,059.64 plus costs and interest.
DATE:
tj.3 -oi
ISf ~/.~
Prothonotary //.2 L.-
I hereby certify that the name and address of the proper person(s) to receive this notice is:
Nicholas Graybill
1925 State Road #5
Duncannon, P A 17020
To: Nicholas Graybill, Defendido/a (Defendidos/as)
Por este medio se Ie esta notificando que EI de
Del , EVla siguiente (Gffieft) (Deeret8)
(Fallo) ha sido anotado en contra suya en el caso mencionado en el epigrafe.
FECHA:
Prothonotario
Certifico que la siguiente direccion es la del defendido/a segun indicada en el certificado
de residencia:
Nicholas Graybill
1925 State Road #5
Duncannon, P A 17020
Godfrey & Courtney, P.c.
BY: Steven C. Courtney, Esquire
Attorney I.D. No. 74669
P.O. Box 6280
Harrisburg,PA17112
(717) 54().3900
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Attorney for Plaintiff
Plaintiff
IN THE COURT OF COMMON
PLEAS, CUMBERLAND COUNTY,
PENNSYL VANIA
VS. .
NO. 02-5110
NICHOLAS J. GRAYBILL,
Defendant
CIVIL ACTION -LAW
PRAECIPE FOR JUDGMENT
Enter Judgment in favor of Plaintiff and against Defendant, Nicholas Graybill, for want of
ANSWER TO COMPLAINT.
(X) Assess damages as follows:
Debt _________________n__________n____n__n__nn____n_____n__---$ 15,028.86
Attorney's Commission--n-------------n----------------------- $ 3,030.78
Interest n____n______n_______n____n____________________n_________ $ to be determined
Filing costs--m------------------------------------n-----n------- $ to be determined
TOT AL------------------------------------------------------------- $ 18.059,64 plus costs
It is also entered that Possession of the 1995 Nissan Maxima bearing Vehicle Identification
Number INICA21D7ST056352 is awarded to Plaintiff.
(X) I certify that the foregoing assessment of damages is for specified amounts alleged
to be due in the complaint and is calculable as a sum certain from the complaint.
(X) Pursuant to Pa.R.C.P. 237 (Notice of Praecipe for final judgment or decree), I
certify that a copy of this praecipe has been mailed to each other party who has appeared in the
action or to his/her Attorney of Record.
(X) Pursuant to Pa.R.C.P. 237.1, I certify that written notice of the intention to file this
praecipe was mailed or delivered to the party against whom judgment is to be entered and to
his/her Attorney of Record, if any, after the default occurred and a, least ten days prior to the date
of the filing ~fthis praecipe and a copy ofthe notice i ttached
DATE: y ~ &
Signature:
Steve C. Courtn Esquire
Att ey for Plaintiff
P.O. Box 6280, Harrisburg, PA
(717) 540-3900 ID#: 74669
17] 12
NOW, 4F. .3
, 2003, JUDGMENT]S ENTERED AS ABOVE.
tSi ?-4-k r. ~
Prothonotary/Clerk, Civil '6ivision /.R--e:'-
Godfrey & Courtney, P.C.
BY: Steven C. Courtney, Esquire
Attorney I.D. No. 74669
P.O. Box 6280
Harrisburg. PA 17112
(717) 540-3900
Attorney for Plaintiff
Plaintiff
IN THE COURT OF COMMON
PLEAS, CUMBERLAND COUNTY,
PENNSYLVANIA
PENNSYL VANIA STATE EMPLOYEES
CREDIT UNION,
vs.
NO. 02-5110
NICHOLAS J. GRAYBILL,
Defendant
CIVIL ACTION -LAW
TO: Nicholas Graybill
1925 State Road #5
Duncannon, P A 17020.
DATE OF NOTICE: August 20,2003
IMPORTANT NOTICE
YOU ARE IN DEF AUL T BECAUSE YOU FAILED TO TAKE THE ACTION REQUIRED
OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN (1 0) DAYS FROM THE DAlE OF
THIS NOTICE, A JUDGMENT MAYBE ENTERED AGAINST YOU WITHOUT A HEARING
AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS.
YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR lELEPHONE THE FOLLOWING
OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP:
Cumberland County Bar Assoc.
2 Liberty Avenue
CarlisI PA 17013
717.2 .3166
/"/
By:
-~-''''"
Steven C. Cou suire
GODFREY & COURTNEY
P.O. Box 6280
Harrisburg, Pennsylvania 17110
Telephone: 717.540.3900
I.D. # 74669
Attorney tor Plaintiff
OFFICE OF THE PROTHONOTARY
OF CUMBERLAND COUNTY
Curt Long
Prothonotary
Telephone:
(71 7) 240-61 00
Cumberland County Courthouse
I Courthouse Square
Carlisle, P A 17013
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff:
PENNSYLVANIA STATE EMPLOYEES CREDIT UNION
versus
Defendant: Nicholas GraybiJI
Judgment No. 2002-05 II 0
CERTIFICATE OF RESIDENCE
PA. R. C. P. 236
I, hereby certify that the precise residence of Plaintiff is:
Pennsylvania State Employees Credit Union
I Credit Union Place
Harrisburg, PA 17110
and certify that the last known address of the within defendant is:
Nicholas GraybiJI
1925 State Road #5
Duncannon, PA 17020.
....-'
Steven. ney, ~
GODFREY & COURTNEY
P.O. BOX 6280
Harrisburg, P A 17112
717.540.3900
Attorney for the Plaintiff
Attorney ID# 74669
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PENNSYL VANIA ST ATE EMPLOYEES : IN THE COURT OF COMMON PLEAS
CREDIT UNION, : C.u.mberhrd COUNTY, P A
Plaintiff
vs.
NO. D'd.-5IiD
.
l) lch 0\ Ct6 cJ . C~'1 b ~Il )
Defendant
CIVIL ACTION -LAW
PRAECIPE TO WImDRA W /ENTER APPEARANCE
TO THE PROTHONOTARY:
Please withdraw Steven C. Courtney, Esquire of the Law Offices of Steven C. Courtney,
P.C. as counsel of record for Plaintiff in the above-referenced matter.
Please enter the appearance of Melissa L. Van Eck, Esquire of Van Eck & Van Eck, P.c.
as counsel of record for the Plaintiff in the above-referenced matter.
By:
Respectfully submitted,
By:
Steven C. Courtney
Attorney ID #74669
P.O. Box 6280
Harrisburg, PA 17112
717-540-3900
, . . 'Y'
L/W)M) YJ VcLtlfl
Melissa L. VanEck, Esquire
Attorney ID #85869
P.O. Box 6662
Harrisburg, PA 17112
717-540-5406
Attorney for Plaintiff
Date:
Document #: 2/8597. J
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2010 MAR ~ A~ 11 ~ 35
BARLEY SNYDER LLC
Shawn M. Long, Esquire
Court I.D. No. 83774
126 East King Street
Lancaster, PA 17602
(717) 299-5201
~~i~JP~SYI.V~„~lcl~
Attorneys for Plaintiff
Pennsylvania State Employees Credit Union
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
v.
NICHOLAS J. GRAYBILL,
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION -LAW
No. 02-5110
PRAECIPE TO WITHDRAW/ENTER APPEARANCE
Kindly withdraw the appearance of Melissa L. Van Eck, Esquire as counsel for
Pennsylvania State Employees Credit Union and enter the appearance of Shawn M. Long,
Esquire as counsel for Pennsylvania State Employees Credit Union, regarding the above-
captioned matter.
Papers may be served at the address set forth below.
BARLEY SNYDER LLC
By:
Sha~Gn M. Long, Esquir
Court I.D. 83774
126 East King Street
Lancaster, PA 1760 -2893
717.299.5201
Date: 3 C~
VAN ECK & VAN ECK, P.C.
By:
Melissa L. Van Eck, Esquire
Court I.D. 85869
7810 Allentown Blvd., Suite B
P.O. Box 6662
Harrisburg, PA 17112
717.540.5406
Date:
28534]4-l