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Home My WebLink About98-02249 i I , ~ I ':"0, ,I , 'I . I ( J {I ~1 i ; {1 ~ J ~ :::: (j ~ () ..., ~ .. ~ tJ ".. '~ t'; ~ ~ - .1 '~", ' -.. . '-J " l \1""1 ~I Ii" <'(I j I . I Q.,.' ~I I '1 ~I , E;IIEH I FF 's HETlIHN U,S, CEHTIFIED "AlL GASE NOI 1~9a~02249 p COMNONWEALTII OF PENNSYLVANIA I COUNTY OF CUMBERLAND DICKINSOIICOLLEGE ----...... -"---~-------~-'._'.~~~~~'~---~..,....~---......_. V~3 . GRIMM ROBERT W ET AL _.~-----..~-'_._~-----_.__.._,---------...... L.ThQ.!!E!!o!..JiliI1(,',____,_,~,_,_ , SherIff or Deputy Stl\H.iff of CUMBERLAND County, P..,r,n"'y,lvClnia, who being duly E.Jwornaccol'c1irig t.o la~, F.lerv",d till" Iii thi n namgd Dr;[E:NrIANT, ORI MM ~;LI~:;MI B .' by Unit.gel St"t.e8 Ce>rtlfie>eI Mail post.agE' pr<;>pajd, on the 2~lrd day of ~..iL...___" _!..9~I!L, at ~.l~ flOURS. at. 76 M~E;DN__~.Y.EIj.b!..J.::._______________ !'!A~Y L..Q!:!L...!.iL.Ll!/!J;<; '___~____~___---"_____,_____.._"__,' a true and "ttf'St.",rj copy of the attach0d ,-Nl;J:j:..1+.;.4i;,-A,N-\;I-{:;Q14,j:!.b,A.nl'l~_~_~,' The> returned rE'ceipt minI was sign8'd by ~#-,B~_ -----;---, on --4-,L~~' Shedf.f' '" Cost81 Pockl2ting Serv,ice Affidavit SU1'charg,,' CERT MAIL 6.0121 , 0(~ .121121 E.;. ~10 3.(;,9 '1~.59-"CNEES, WALLAGE 0c1/18/lGJ9E1 Be> aflflWE'f' . /':/) ~~'/ ~R' ~~.;;:L'~ Ic""as \. i nt". ~f' rt - I. tWrnCI\ Sworn an~sLJbscribed to bf;'l:forOf? me i ~ i1' -~A;-D~a Y (J f '7~~,_~~,_ ~' Jb gP.. . 'r.fttoncdary I~-'--' ~i 111 IJ~ I \ tU H . ~oo 1 IIJOOI ~ t I ! ,i,"N8!~! !~r !i , v II I ~lll j i Ii il. $N*ODO,.:.; I i II I i '1 J a I. I ! 8 f ~ i Ib ! : ~. ~I ~~18 i li 9 i ~l~ J I' I, "'..",1 II ' I : 11111 i '\ nhll;U ~ .; I &11II- -- aIR P~\dWOO 81ilJlIQQY NlIlWIlI.moA_1 " \ , \ ~ '. ,., i 1 I I l I , .~ ld~ wnteW lIuttll IOj noA ~'*IJ. ,..' 'I I I I ~ ~ i ii' I b j i I ~ .. i 1 1>< l Ie \ 'I 'i , , !- ~ I "'''''...'"'''''' \ !'o- .""'.-......,., '. \ ,1.1 t L ~ . ',,' lo , -, " C'~"'" .. ,'~ '. '" ~.~- ' ., I ..;. It. '\ " ,/~\ \';~p' ,Hr. "';', ,,,;I ; . f ~ ,9 , t , . . '. " !..J;'i''''~/.;;.,''!t_,C' j I 1 .' ,. i v I I I \ ~ '~. ,". ...' ; $ " '" ~ It. 1 I . ~~' ..tl"" .' 'fl. t .,,;', " I, ,." .6 ", ",,' . T . . ", . , ,. " . 4'\ ~~,; I' , , ',,*,... '\'1 '~. : . , .~ ~ n, ',( It/( " ,. ~"'''-' ,h. , ':' , \ /" ' -'lij,' , n.~ I I 1 .".,,' -iT:' ~ , i.'., ',,:: .~.... , , t', ,fl, \.,' I '" "., l '('l . -. i (t:.,;(;- .~"Ji, ,. " , \ I ':~ .~ , ~\ ". , "'i . " '. ""'i DICKINSON COLLEGE, PlalntilT : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYL VANtA : CIVIL ACTION - LAW v, ROBERT W. GRIMM, SUSAN B. GRIMM, h/wand SHANNON GRIMM C/l d--) 4 cr ('.~ Defendants : NO, NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth i\1 the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the Comi your defenses or objec- tions to the claims set forth against you, You are warned that if you fall to do so, the case may proceed without you and aJudgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for auy other claim or relief requested by the Plaintiff, You may lose money or propeny or other rights important to you. YOU SHOULD TAKE nus PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. <LGaN" ~tdll,ilfi6l~r . FDIIH1t 1llD4r Cumberland County CD "v\. _..~ .()HII Cflll~'U}1M1I S'l"are Carlisle, PA 17013-3387 Telephone: (717)-24IJ-6J(J() .,). (3(l.( A$J{IC.Ui fUrl ,). ~-; htd. t ;l-cl-C..o t q 1I~? A VISO USTED HA SIDO DEMANDADO/A en corte. Si usted desea defenderse de las demand as que se presentan mas adelollte en las siguientes paglnas, debe tomar accinn dentro de los proximos velnte (20) dias despues de la notilieacion de esla Demanda y Avlso radicando personal mente 0 por medio de un abogado una comparecencia eserita y radicando en la Corte por eserlto sus defensos de, y obJecciones a, las demandas presentadas aqui en contra auya. So Ie advierte de que si usted falla de tomar accion como se describe anteriormente, el caso puede proceder sin usted y un fallo por cualquier sum a de dinero reclamada en la demando 0 cualquler otra reclamacion 0 remedio solicitado por el demandante puede ser dlctado en contra TAUE fXPI PROM REOOAD In TWIll.."" wllerIof, I '*' unto -lIlY hRI and .... of sa It Ca_, Plq.5( rh '. 1* ~ ~ GV\l ( (' '. " 'Contract, whioh Auiq".. ahall have all of II.Uu'. rillht and r.madi... 7. It any part at thl. Contract i. h.ld to b. ill&lIal, void or un.ntorc.abl., that provi.ion .hall b. d.emed not to hav. b..n a part ot thi. Contract, whioh .hall otherwia. r...in fUlly .tt.otiy.. S. Appr.Illur.. LAW, Thi. "lIu_nt, wh.n.v.r oalled upon to b. oon.tru.d, .hall be 90v.rn.d by th. dome.tio int.rnal law. at the Commonw.alth of P.nn.ylyania .~oapt to the .xt.nt .upplament.d, .upar..dad or pr..mpt.d by f.d.r.l law. t. tlON.I.N'l' 'l'O .rU1USDIIlTIDN. VIlNUlll ANn .ll!RVIIl.. Tha parti.. to thia AlIr._nt oon..nt and a9rll& that dl 1.9al proc.4Idinll. r.latinll to th. .lIbj.ot _ttar h.rllOt .hall be uintainad in the Court ot C~n Pl... ot Cumb.rland County, P.nn.ylvania, or, if applicabl., th. Unit.d st&t.. Dhtdot Court ot 'th. Middl. Diatriot ot P.nnaylyania, and all part i.. h.rato con..nt alld Allr.. that: juri.diction and v.nu. tor .uoh prooe.dinll. .hall li. .~olu.iv.ly within .aid oourt. S.rvie. of proo... in any .uoh proo..dinll may b. mad. by c.rtiti4ld mail, r.t:urn reo.ipt: requ..t:4Id, dir.ot:.d to the r..pactiv. party at the addr... .at tonh abov.. 10. Thi. Contraot .hall be bindin9 upon the part i.. h.r.to, th.ir h.ir., .uoo...or., a..i9n. and 189al r.pr..entat:i~... 11. TIKI 18 or TKI 1881NCB or THIS CONTRACT. IfOTICI. ANY HOLDER or THIS CONSIlMBR CRIIlDIT CONTRACT IS SUBJBCT TO ALL CLAIMS AND DlflNaBS WHICH TBI DIBTOR COULD ASSBRT AGAINST THE SILLIR or GOODS OR SIRVIC.S OSTAINlD PUJlSUAHT IIII:RlTO OR WITH THE PROCIIDS II1IiREor. RBCOVlIIr HERIlUNllER Br TII1Ii DIBTOR SHALL NOT IIXCIID AHOUNTS PAID Br TII1Ii DIBTOR HERIlUNnIR, NOTICI TO BUYER' (1) DO NO'1' SIGN THIS AGRIlIHIIIl'1' BUORl: rou Rl:AD IT OR If IT CONTAINS ANY BLANJt 8PACI. (2) YOU ARB INTITLED TO A COMPLITlLY rILLED-IN con or THIS AGRllHl:N'1'. (3) UNDIR TII1Ii LAW, YOU HAW TII1Ii RIGHT TO PAr 01'1' IN ADVANCI TH1: FULL AHOUNT DUB AND lJN1lIR ClRTAIN CONDITIONS TO OBTAIN A PARTIAL Rl:1'UND or TIIB rINANCB CIWIGI. BUYIR (8) ACKNOWL TO lUI LEOALLr ~NG A COMPLI'1'BD copy or THIS CONTRACT AND INTIND(I) BUYIR(I) I MRSI TO RIlPAr ALL AMOUNTS DUB ON THIS LOAN IF TII1Ii BORROWllR (I) /BUYER (S) rAILS ~ ~ ~ ,. M"","",,,,, m,. ~ q:- ' STUDIlNT COSIGNER ':t A/!;y'\/VY\- ICRIPT or A 1'l'UDBJn1' 8 RlCORD ifILL lICIT U ......... II' LOJUf PAYlllNTs TO !rill COLLlOI IUUI I. ".'URS Oil DIPAlILT. .3-?-j{, Dr ~J~ (!'if) IiVll fW cES . fiU;l DATI, DICKINSON COLLlGI .. , , .( ( . v. CRlDIT INSURANCE Oredit lite ineurance tor the term of thie oontract ie not required. V. NO WARRANTIES Tlll:RI AlII NO WA1UWITI&I, IITHJ:R IXPIIIIIID OR IMPLIID, OIVlN BY SILLIR IN CONlllCTION WITH SALI or TIll: OOODS l\ND SIRVICIi.. OOVIIIID BY THIS CONTRACT UNLISS BUYlR IlAI 811N OIVlN A III'ARAT. WRITTliN WAIU\l\NTY. VI. l.oDITIONAL PROVISIONS 1. Buyer .gr_. to p.y leU.r the Tct.l lal. price by making the total down paV-nt .nd p.ying B.ll.r the Tot.l at P.yment. in the numb.r .nd amount ot monthly p.yment. .hewn in the Payment Bchedule. p.yment. .re due on or b.tore the alae d.t. ot ..oh _nth .. the tir.t. payment date. p.yment.. lIIu.t b. IlllId. to tldu..n T.ohnolo;i.., Inc. .~ the tollowing addr..el Idu..rv or.chnologie., Inc. P.O. Bo.. Ug74 st. '.ul, MN 55164-0g74 2. Buy.r'. 1.g.1 right. inolud. the right to p.y .11 or p.rt ot the &mOunt.. due On thi. contr.ct in .dv.no. at their due dat.., to obt.in . r.fund or credit ot une.rn.d rin.nce Ch.rg. wh.never the amount i. paid in full in edvanc., .nd (with S.ll.r'. ccne.nt) to r.in.tat. the Contract it Buy.r tlmftly cur.. .ny d.t.ult. 3. Buyer ahall be deemed to have oommitted an "Event of Detault" of the Contrllot upon the oocurrenc. ot any at the tollowing' (al t.ilur. to III&k. any p.yment on or b.tor. the d.t. it 18 due, (b) t.ilur. to m.k. . p.yment on any oth.r contraot out.tanding wit.h Ball.r, (c) t.ilur. to pertorm .ny other pravi.ion cf the Contract, (d) providing Saller with fal.. inform.tion or .ignatur.., (.) d.ath, incompet.nc., or conviction of .ny Buyer of crime involving fraud or di.hon..ty, (f) in.olv.ncy or bankruptcy of any Buy.r. 4. Upon or .ft.r the occurreno. at any Iv.nt at Default, Sell.r will provide Buy.r with notic., by o.rtified m.il a. r.quired by l.w, .ddr....d to Buy.r'. laut known addr... .. .hewn on Seller'. record., dvi.ing Buy.r of the def.ult. and of Buy.r'. right to cura t.h. d.fault. Th. not.ice will provide th.tlma, amount and pGrfor=anc. nece..ary to curG ~h. d.f.ult. If Buy.r d081& not. our. ~he d.fault .. provided in t.h. not.ic., S.ller'. right. .h.ll inolude the right. to declare .11 .um. due on the Oont.raot to b. ~d1at.ly due .nd p.yabl.. Th. Buy.r .gr... to. p.y .11 .ttorn.y'. f... and oth.r r...onabl. ooll.otion co.t. .nd ch.rg.. n.c....ry tor the ooll.ction of any amount not paid wh.n due. 5. Waiver by S.Uer of any Event of Default .hull not be binding upon S.ll.r if Sell.r .hould th.r..ft.r choo.. to ....roLe. th.t or any oth.r right or .. .lJallar .vent of D.f.ult oocur. l.ter. All S.ll.r'. right. and reaMdi.. .h.ll be cumulative. Sell.r'. ....rci.. of on. or more right. .h.ll not cau.. S.ll.r to lo.e .ny ot.h.r right... 6. Thl. cont.r.ct. i. fr..ly ...iqnabl. by S.ll.r. Buy.r .gr... th.t upon r.c.iving notic. of t.h. ...ignment Buy.r .h.ll be oblig.ted to t.h. A..ign.. of t.hi. 3 f" ',. r ~r.e~ " ~ ~'Vw ' DXClCIN80N COLLEGII1 FLEXXBLI' rXNANCING IYITIlH - 'LAN 8 IDUCA'-'IONAL GOODS AND 81lRVXCIl8 RIlTAIL XNSTALIMENT CON'.l'IW:T Muoh 7, 1996 X. ..U.r, Diokin.on Coll.q., culi.l., p.nn.ylvania 17013-2.9. luy.r(.,, Reb.rt I Su.an Grima 76 M..on Av.. s&bylon, NY 11702 xt thezoe i. mol" than on. Suy.r, lach ot you will b. obliqated, jointly and .ev.rally, ~ all luml dUI and tor the pertormano. ot all aqr.amantl al,provid.d in thil Contract. l1IIcII&' tbe t.rma ot thll Iducational 0cccI. and 81&'Vic.. IIItaU Xnltall_nt contraot, JOII he' IfI'tIId to pay thll IXpInHI incunld tor qoocl. and II&'Vic.. to b. provided and r'ndeJ:ed, .. the ca, ..y be, to Shannon GrLa. (her.inatt.r "Stud.nt", durinq hil/h.r .nrollment at Dickin.on Coll.< dudnq the 1991-1196 aca~c )'tIar, includinq tuition, rOCllll and baud, boolul and IUPPU", .. h.r. .tated (h.r.inatt.r the "Goodl and S.rvic..",. 1h. 0cccI1 .and S.&'Vic.. .hall includ. only tuition, room and board. II. TIIlRMS or PAYMENT AND PAYMENT SCHEDULE Dilelo.ur.. Required hy r.deral Law AHN1I~ PIRClN'l'AOI FINANCI ClWlGII AMOUNT rINANCEDI TOTAL or TOTAL SALII IUl.TIl,* DoUar amount Amount ot crldit PAYMENTS, l'RIClI CO.t ot credit a. cr.dit wJ,ll providld by Amount paid by Total cOlt of y.uly ut. COlt bUYlr Dickinlon Colllql Buy.r al total ot puroha.. on aU Ichldulld credit inc1udin, paym.nt. down payallnt. of . 1.,370.00 10.00 , $2,124.80 $ 4,000.00 $ 6,124.80 . 24,870.00 R.v 2/92 , . ~.. ",,:, 1". ".';: IV. CRBDIT IN'URANCI or_dit life in.ur.nc. tor the t.rm ot this contr.ct i. not required. V. NO WARRANTII. TaM IUUI MO WAIIRAIl'tII', lITaR IX.D.IID OR IMPLIID, GIVIlII IY 'IL%.BIt III c:le*Ill!IC'UOII WITH .ALII 0' TIIII GOOD, lIHD .IRVIC.I COV1IMD IY THI' CONTRACT UIlIJI.I IUY." IIAlI 1..11 GIVIlII A .1.AlUl.TII llRI'l'TII1I WAlUWfTY. .. .6. VI. ADDI'l'IONAL .ROVIIIONI 1. luy.r .gr... to p.y ..ll.r the Tot.l lal. 'ric. by .aking the total down pav--nt. and paying ..ll.r the Total of .ayment. in the numb.r .nd amount of ~nthly payment. .hown in the '.yment Ichadula. ..yment. are due on or before the ._ data of ..ola IIOnth .. the Urat p.yment dat.. 'av-nta IIU.t be IUd. to .du..n T.chnologi.., Ino. .t the tollowing addr...1 .du..rY T.ohnologi.., Inc. ".0. lox 64974 It. '.ul, MN 55164-097. lur.r'. ll9Al right. inolud. the right to pay .11 or p.rt of the amounta due on th . Contract in .dv.no. ot their due d.t.., to obt.in . r.fund or oredit of un..rned 'inanc. Ch.rg. wh.n.v.r the amount i. p.id in full in .dv.nc., .nd (with I.ll.r'. oon..nt) to rain.tat. the Contraot it Buyar timely our.. any default. 2. 3. Buy.r .hall be d_d to h.va cOlNllitt.d .n "Iv.nt ot D.fault" ot the Contraot upon the occurr.no. ot .ny ot the tollowingl (a) (b) (0) (d) (.) (t) tailura to m.ka .ny p.yment on or bator. th. data it i. du., tailur. to m.k. a p.yment on .ny othar Contr.ct out.tanding with S.ll.r, tailur. to pertorm .ny oth.r provi.ion ot the Contract, providing I.llar with t.l.. inform.tion or .ign.tur.., d.ath, incompet.nc., or conviotion ot .ny Buy.r ot orime involving fraud or dLahon..ty, in.olvancy or b.nkruptey ot .ny Buy.r. Upon or aft.r the occurr.nc. ot .ny .v.nt ot Def.ult, S.ll.r will provide Buy.r with notic., by c.rtiti.d mail.. r.quir.d by law, .ddr....d to Buy.r" la.t known .ddr... .. .hown on S.ll.r'. r.oord., advi.ing Buy.r of the d.fault .nd of Buy.r'. right to cun the d.fault. Th. notic. will provide the tl.me, 8mOunt .nd pertormano. n.c....ry to our. the d.tault. It Buy.r do.. not cur. the d.tault a. provid.d in the notic., S.ll.r'. righte .hall includa the right to d.ol.r. .11 .um. du. on the Contract to b. imm.diat.ly due and payabl.. Th. Buy.r Agr... to pay all attorn.y'. t... .nd oth.r r.a.onabl. coll.ction coet. .nd oharg.. n.c....ry tor the coll.ction ot any amount not paid wh.n du.. Waiv.r by S.ll.r ot any Iv.nt ot D.tault .hall not b. binding upon S.ll.r if I.ll.r .hould th.re.tt.r choo.. to .x.rci.. that or any oth.r right or . .~ilar Bv.nt ot Dafault occur. lat.r. All S.ll.r'. right. and remedi.. .h.ll b. cumulativ.. I.ll.r'. .x.roi.. ot on. or mora right. .hall not cau.. I.ll.r to 10.. any othar right.. Thi. Contract i. tr..ly ...ignabl. by S.llar. Buyar agr... th.t upon r.c.iving notica ot the a..ignment Buy.r .hall ba obligat.d to the A..ign.. of this Contract, which A..ign.. ahall have .11 ot S.ll.r'. right And remedi... 7. It any part ot this Contract is h.ld to b. ill.gal, vo!.d or un.nforo.abl., that provi.ion .hall b. d.emed not to h.v. b..n a p.rt ot this Contr.ct, which .h.ll oth.rwi.. remain tully .tf.ctiv.. 5. 8. AP'LICABLR ~I Thi. Agr_nt, wh.n.v.r call.d upon to b. con.trued, .h.ll be gov.rned by the dom..tic int.rnal l.w. ot the Commonw.alth of ..nn.ylv.nia .xc.pt to the .xt.nt .upplement.d, .uper..d.d or pr.amptud by t.d.r.l law. 3 .. ,.. .. "1, r DIOIIII'OIl OOLL.aD WLIXIBLI ~IMAHCIIIG '~'T" - .LaX I IDVclATIOPL CJOOD' AND 'DVICI' .HAIL 11I1'rALLJIIUI'r OOI'l'RAC'l' r.b.tuary 17, 1995 I. lell.rl IlIy.a:(a) I Diokin.on coll.g., caa:li.l., 'enn.ylvania 17013-2896 Robert If. and lu.an B. Gr_ 76 Ha.on Avenue labylon, NY 11102 If thea:. i. moa:a than on. luy.a:, .ach of you will b. Obligated, jOintlr and ..v.a:ally, for: all .\11II. due and for the pedormano. of all agn_nta a. provided in th . Col'lta:ac1:. Und.r the t.ra. of thi. Iduoational Oood. and Sea:vio.. Retail In.tal~nt Contract, you have agr..d to pay the expen... inoua:red for good. and .ervic.. to be provid.d and r:.ndea:ed,'a the ca.e .ay be, to Shannon oa:_ (h.r.inaft.r "student") dlla:ing hi./her .nrellment at Diokin.on college dua:ing the 1994-1995 academic year, including tuition, roOD and bo.a:d, booka and aupp1ie. a. her.in .tat.d (h.rGinaftea: the "Oooda and Selvice."). . The Oood. and Servioe. .hall include only tuition, room alld board. II. TERMS OJ' nYMBNT AND 'AYMENT SCHBDULI Di.clo.ure. Required by rederal Law ANNUJ\L PIRCBNTAGI rINANCI CHARG!:I AMOUNT rINANclDI TOTAL or TOTJ\L SALI It lUIT1t * Dollar amount Amount ot oredit PAYHBNTS I PRIOII Co.t: of credit a. crftdit will prov ided by Amount paid by Total co.t o1! yearly r,at. oo.t buyer Dickin.on College Buy.r a. total of puroha.e on ! all .oheduled credit, inoludln' paymenta down payMnt of . $ 21,700.00 8.25 , $ 960.94 $ 2,000.00 $ 2,960.94 $ 23,700.00 11.." 2/92 ( (' IV. CRlDI~ INSURANCI Credlt 11f. In.ur.nc. for the t.rm of thi. Contract i. not ~~ired. V. NO WARRANTIES THJIU ANI 110 "ARRANTII', IITHlR IXPRI..ID OR IHPLIID, OIVJ:N BY I.LLI1t III CDIQOlCTIOII "ITH I~ 0' TRI 0000. AND SIRVICIS COVJ:RlD BY THIS COIITRACT UWLISI BUYla HAl 11111 OIV8M A .IPARAT. IlRITftIl WARRANTY. 1. VI. ADDITIONAL PROVIlJION' 2. Buy.r .Vr... to pay s.ll.r the Tot.l ..1. Pric. by maklng the tot.l down p.v-ent and pay1nV ..ll.r the Tot.l of P.~nt. in the number .nd amount of monthly pav-ent. .hOwn ln the p.yment 'ch.dul.. p.yment. .r. due on or b.for. the .... dat:. of eaoh IMlnth .. the fint payment d.ta. P.ymanta w.t: be lIad. t:o Idu.e1:9 Technol091e., Inc. .t: the followlng addr.." Idu.erv T.ohno1091.., Inc. P.O. lox 64974 It:. P.ul, NN 55164-0974 Burer'. l';Ql rlght. inelud. the right: to p.y all or p.rt of the amount:. due t:h . COnt:ract in .dv.nc. of th.ir due d.t.., to obt.in a r.fund or oredlt: of une.rned 'in.nc. Oh.rg. wh.nev.r the amount i. pald in full in .dv.nce, .nd (with Seller'. con..nt) to r.in.t.t. the Contr.ot: lf Buy.r t:imely our.. any d.fault:. on 3. Buy.r .h.ll b. d.emed to h.v. eommitt.d .n "Iv.nt of O.f.ult" of the Contrkot upon the ocourr.nc. of any of the followlng' (.) failure to lI.k. any p.ym.nt on or b.for. the d.t. it i. du., (b) failure to lI.k. . payment on .ny oth.r Oontr.ot out.t.nding wlth '.ll.r, (c) failure to perform any oth.r provi.ien of the Oontr.ot, (d) provlding ..ll.r wlth fal.. lnformatlon or .1gn.tur.., (.) death, lnoompat.ne., or conviotion of .ny Buy.r of crime involvlng fr.ud or dhhon..ty, (f) in.olv.ncy or b.nkruptcy of .ny Buy.r. upon or aft.r the occurr.nc. of .ny Iv.nt of D.f.ult, '.U.r wiU provide Buy.r wlth notic., by c.rtifi.d mall.. requir.d by law, .delr..sed to Buy.r'. l..t known addr... .. .hown on Seller'. r.oord., .dvieing Buy.r of the d.f.ult .nd of Buy.r'. rlght to cur. the d.f.ult. The notio. will provide the tim., amount .nd performance n.c....ry to our. the d.f.ult. It Buy.r do.. not cur. the d.f.ult .. provid.d in the notic., s.ll.r'. right. whall lnolud. the right to d.ol.r. .11 .um. due on the Oontr.ct to b. imm.diately due .nd p.y.bl.. Th. Buyer Agr... to p.y .11 .ttorn.y" f... .nd oth.r re..on.bl. coll.ction oo.~. .nd oharg.. n.c....ry for the coll.ction of .ny amount not p.id wh.n du.. 4. I. W.iv.r by ..ll.r of .ny Iv.nt of D.f.ult .h.ll not b. binding upon .ell.r if ..ll.r .hould th.r..ft.r ohoo.. to .x.rci.. th.t or .ny oth.r right or . .imil.r Iv.nt of D.f.ult occur. l.t.r. All .all...'. right. and r....dl.. .hall b. cUIIlUl.tlve. ..11...'. ....."lw. ,,' ,"'" .,~ m.n'" r1t1"~" ""!Ill 1It1~ ".u.. ".UI" tn 10.. .ny othn rlqhta. \-l'Il.. eOl'lt.t'_(':.~t .\.R f. t.o..l.~'. A.. \9. \\!It.'I t' \'I'. ~"Uil. Illl. \'\H fllt~.U ~tli~ l. i.t./lfii....t7. ij"' /i I /i~ MHo. Of t.1I/! UlllOI\lI\l!I\~ t\1\~I\\. FiI1~i .\'i "b ~9'\At 1.""1' 1,",t'llI""'. HI M Cd1\tra.ct., \y'lU.ch ~""'-~"~A nh,,\ hnvf'!\"\' nf ~"' r-;,'11 t ,tld tltut ;'r:>"i~-1 ,,,,, '6, ,. tfll.ny pInt C>f t.Mn COI\t.ll\l't. In '1,...1,,\ <1.11", 1 \ J.lfl1l\ I , ..\,j..J "1' 'Jrl~..t"'''''''hl,,, ~ri"'" ptdviaion ehlll.l he t1fltMTl'H.'\ l'\ot b:.' h,,\,o hrHlll n li!H. nfl Ihln 'lldd'_""-~,J"l_"r; ,~"'Ii' ot"OlNl "" ....m~ i,n ru 11y .,1 r.,d \,," , I, '6f.!L1CABLJ:..w: T1Iia l\gr....I1\Ilt\t., \.h",\.",er I'd In<l lIpOll t" t>.. ""~"",~'f""", "l',M IJ.IIi' '~".r"ed \Ii' t1l.. <lClIIIoatic inter'nAl. 1..",. <,f the l:nn'l1\oflll...lth "t ,>."''''''f '.", . """".'" 'tc ~He e.1Ct._nt fJut'!p] wmontftd, r!\ip~n~.co~1"'t' ('1: l"-f\'J011\f,t nil hy r,.11" r ~ -.. '..",", ~.r of P.yment. 128 .Vad.bl. Rat., Lata Ch.rge. Pr.p.yment I ,. r Robert N. Ii l\I.an .. ada Buyer'. p.yment .oh.dul. will b. as follow. I Mount of Payment. Wh.n P.ym.nt. ar. CUe Monthly oomm.ncing 10/28/96 until OS/28/05 $ U.18 Th. ANNUAL !?!RCINTAGE RATE <118clo..<1 above 18 . va~iabl. rat. end IIlAY' chang.. The ANNUAL PERCENTAGE RATE may inon... during the t.n ot: this tran..ction it. the prim. r.te of. int.r..t announced in the Nall Str..t Journ.l e. of the clc.. ot. bu. in... on Jun. 30 ot: .ach c.lendar y..r inor...... and will b. inc1'....<1 to the prim. r.ta pJ.u. n. Th. ANNUAL PERCINTAGE RATE wnl not incr.... mon than onc. a y..r. an<1 the new int.r..t rate will b.come .t:t:.otiv. on JUly 1 t.ollowing the inor..... if any. in the prima rate of intere.t. Any inor.... will be in the t.om of high.r p.ym.nt AIIlount.. If your oo.t ot: the Go~ and s.rvic.. .old hereund.r w.re $8.000.00 at 8.25' p.r annua for 128 month.. and the prim. rata plUS l' wer. inor....4 to 11.25'. your regular monthly paym.nt. would inona.. to $98,,55. Further, the ANNUAL PERCENTAGE RATE wll1 not inona.. to mol'. than ln or .uoh oth.r rate a. may be p.rmitt.d und.r the P.nn.ylvania Good. and S.rvio.. Inetallment S.l.. Act. It. a paym.nt 10 more than 15 d.y. lat.. a awn .quivalent to 5' of the l,at. payment (but no more than U.50 and Mt 1... than $1.00) MY b. charged . Buy.r may prepay the unpaid balanc. of the Amount P'inanoed and any FINANCE CHARGE due through the data of early payment. in full or in p.rt, without penalty. SEE SECTION VI OF THE CONTRACT BELON FOR ANY ADDITIONAL INFORMA'rION ABOUT NON-PAYIIIlNT, DI!:FAUL'r AND REQUIRED REPAYMENT BEFORE THE SCHEDULED DATE FOR REPAYMINT OP THE AMOUNT FINANCED. 1. Ca.h pric. of Goodo and Service., 2. Total down payment I 3. Unpaid balance of c.eh price 11 - 2) I 4. AIIIount pai<1 to oth.r. on Buyer'. behal t I 5. AIIIount Finance<1 (3 + 4), III. ITEMIZATION OF lIMOUN'l' FINANCED $ 23,700.0C lS.700.0C . 2 r " (: DIClONSON COLLEGE P'LEXIBLB FlNANCINQ SYBTBM _ PLAN 8 BDUCA'l'IONAL GOODS AND SBRVICBS RB'l'AIL IN8'l'AI.LHIN'r COR'l'RAC'r Ootober J, U94 r. ..Uer, Diokinson COlleg., Carlisle, PennsYlvania 17013-~8'6 Robert W. , SUsan B. Grimm 76 Mason Ave. Babylon N.V 11702 llUyerls) , It there i. aore than one BuYer, each at yoU will be obligated. jointly an4 severally tor aU SUlU 4ue and tor the pertormance ot aU agre.ents .. provi4a<1 in tht. Cllntract. . Un4er the tera. ot this E4ueational Good. and Service. Retail In.tall.ent Contrant. you have agreed to pay the expense. incurred tor good. an<1 ..rvice. to be provi<1ed and rendered. .. the ca.e may be, to Shannon Grimm (hereinatter 'Student') during hi./her enro1~ent at Dickinson College 4uring the 1"4-1"5 aca4-.io year. including tuition. roo. an4 board. books and .upplies as herein .tate4 (hereinatter the 'Goo<1s and Service.'). The Goode and Service. .hall include only tuition. room an<1 board. II. TERMS OF PAYMENT AND PAYMENT SCHEDULE Di.elo.ure. Required by Federal Law ANNUAL PERCEN'l'AllE FINANCE CHARGE. AMOUNT FINANCED, 'rOTAL OF TOTAL SALE ~ RATE. · DoUar amount Amount of oredit PAYMENTS, PRICE. Co.t ot credit a. credi twill provided by Amount paid by Total cost ot yearly rat. cost buyer Dickinson College Buyer es total of purcha.. on aU scheduled credit, includin, paYlll8nts down payment or $ 15,700.00 8.25 . $ 4,055.04 $ 8,000.00 $ 12,055.04 $ ~3,700.00 Rev ~"2 r ( IV. CREDIT INSURANCE Cr.dit life in.ur.nce for the t.rm of thi. Contr.ct i. not r.quir.d. V. NO WARRANTIES THERI ARI NO WARRANTIES, EITHER EXPRESSED OR IMPLIED, GIVEN BY SILLER IN CONNECTION WITH SALE or THI OOODS AND SERVICES COVERED BY THIS CONTRACT UNLESS BUYIR HAS IIIN GIVlN A SIPARATE WRITTIN WARRANTY. VI. ADDITIONAL PROVISIONS 1. luy.r agr... to p.y S.ll.r the Tot.l S.l. Pric. by makin9 the tot.l down paymen~ and payin9 S.ller tho Total of P.yment. in the number .nd amount of MOnthly p.yment. .hown in the Parm-nt. Schedule. P.rm-nt. .re due on or b.fore the .&me d.te of ..ch month .. the fir.t paym.nt d.t.. paymant. mu.t be made to Fir.t W.ehovia, Inc. .t t~. fallowing ~ddre..1 Fir.t W.chovi., Inc. P.O. lox 70095 Char.lott., NC 28272-0095 2. IUYl/r'. hgal rightl include the right t,C1 p.y .11 or pert of the amount. due on thb Contract in .dv.llc. of th.ir due date., to obtain a r.fund or credit of unearn.d rinanc. Cherg. wh.nev.r the amount h paid in full in .dvance, .nd (with Sell.r'. con3ent) to rein.t.te the Contract if luy.r timely cure. any d.fault. 3, Buy.r .hall be de.m.d to bav. committed an "Ev.nt of Def.ult" of the Contr.ct upon the occurr.nc. of any of the followingl (.) failure to m.k. .ny paym.nt on or b.for. the d.te it i. du., (b) f.ilur. to m.ke . paym.nt on Any other Contr.ct out.t.nding with Sell.r, (C) f.ilur. to p.rform .ny other provi.ion of the Contr.ct, (d) providing Sell.r with fal.. information or .ign.tur.., (.) d..th, incomp.tence, or cOllviction of .n~' Buy.r of crim. involving fraucl or diahon..ty, (t) in.olv.ncy or b.nkruptcy of any Buy.r. 4. Upon or aft.r the occurrence of .ny Event of D.t.ult, S.ll.r will provide Buyer with notic., by certified m.il .. required by l.w, .ddrel/..d to Buyer'. l..t known .ddr... a. .hown on Seller'. renord., .dvieing Buyer of the def.ult .nd at Buyer'. right to cur. the d.f.ult. The noticB will provide tb. tim., amount .nd perform.nc. n.c....ry to cur. the d.fault. If BUy.t' do.. not cur. the d.f.ult .. provided in the notice, SeUer'e right.e shall include the right to d.cl.re .11 .ume due on the Contract to b. immediately due and payabl.. Th. Buy.r agre.. to p.y .11 attorn.y'. f... and other rea.onable collection coet. .nd ch.r9.. n.c....ry for the collection of .ny amount not paid when due. 5. W.iv.r by S.ller of .ny Event of Default ehall not be binding upon Sell.r if Sell.r .hould th.r..ft.r chao.. to .xerei.. that or .ny other right or . .imilar Ev.nt of Def.ult occur. l.t.r. All Seller'e right. and r.m.diee .h.ll be cumul.tive. Seller'e exerciee of one or more righte .h.ll not C.u.e Seller to 10.. any other right.. 6. Thi. Contr.ct i. freely a..ignable by Seller. Buyer agree. thet upon receiving notice of the ...ignmQnt Buy.r ehall be obligated to the AI.ignee of thi. Contr.ct, which A..ign.. .h.ll have .11 of Sell.r'. right .nd remedie.. 7. If .ny p.rt of thi. Contr.ct i. h.ld to be illeg.l, void or unenforceable, that provilion Ih.ll b. de.med not to h.ve b.en . part of thi. Contr.ct, which Ihall oth.rwi.e rem.in fully .ff.ctive. 8. 6El~ICABLE LAWI Thl. Agreement, when.ver c.lled upon to be conetrued, .hall ba, governed by the dome.tic intern.l lawl of the Commonwealth of penn.ylv.ni. except to the extent .upplementod, .uper.eded or preempted by federal l.w. J ,. " r BUY8r'I p.ym.nt Ich.dul. will b. .1 tollowl' NUNb.r of P.ymentl Amount at P.yment. 136 .V.d.bl. R.t.1 L.t. Oh.r9.1 Wh.n Payment. .re Du. $39,48 Mcnthly commanoin9 until ~/~A/n~ 2/28/94 , , ~ If · p.ym.nt i. mora th.n 15 d.y. lat., . .um equiy.l.nt to 5' of the l.t. p.yment (but no mar. th.n $2.50 and not 1... th.n $1.001 m.y be ch.r98d. Buy.r ma~ prep.y the unp.id b.l.no. at the Amount rin.no.d .nd .ny rINANOI OHAROI due throu9h the d.t. of ..rly p.ym.nt, in tull o~ in p.rt, without pen.lty. III IIOTION. VI or THB CONTRAOT BILOW rOR ANY ADDITIONAL INFORMATION ABOUT NON-PAYKIlHT, DlrAULor AND RBQUIRBD RBPAYKlNT DlrORl THI SOHIDULEO DATE FOR REPAYHtNT or THE AMOUNT rINANCID. Pr.p.ym.nt. The ANNUAL PIRCINTAaB RATI dilclO..d .boy. i. . y.ri.bl. r.t. and ~y ch.n;.. Th. ANNUAL PBRCINTAOI RATH m.r incr.... during the t.rm Of thi. tr.n..otion if the prime r.t. at ntar..t .nnouno.d in the W.ll Itr..t Journ.l .. at the clo.. ot bu.in..1 on Jun. 30 at ..oh o.l.nd.r y..r inor....., .nd will b. incr....d tc the prime r.te pluG 1'. Th. AHNUAL PIRCIICNTAGI RATI will not inor.... mor. th.n onc. . year, .nd the new int.r..t r.t. will b.come sEt.ctiy. on July 1 tollowing the iner...., if .ny, in the priMa r.t. of int.r..t. Any incr.... will b. in the form ot high.r p.ym.nt amount.. If your co.t of the Good. .nd S.rvic.. .old hereund.r war. $kZQO.OO .t 7.00 'per .nnWll for 136.. monthl, .nd the prlma rat. pIiiili war. inen...d to 8.....OIl. _ " your r.gul.r monthly p.yment. would iner.... to $~_ . ~ the ANNUAL ..IRCIHTAGB 1lATJ: will not iner.... to mo~8' or .ueh oth.r rate .. m.y b. permitt.d under the P.nn.yly.ni. Good. .nd S.rviee. In.t.llmant R.l.. Act. III. ITEMIZATION or AMOUNT rINANCED 1. Ca.h price ot Good. and Servic... 2 . Tetal down p.ym.nt I 3. Unp.id b.lane. at o..h pric. (1 _ 2). 4. Amount p.id to oth.r. on Buy.r'. b.h.lfl 5. Amount rin.nc.d (3 + 4). - 2 ( ,.. t: ' DIOJIHION COLLIGI WLIXI8LI WINARCING SYITIK - PLAN I IDUCATIOHAL GOODS AND SlaVIOIS alTAIL INSTALLMINT CONTRACT Date Februar~ ~ 1994 I. f1eUnl Dickineon College, Carliele, Penneylvania 17013-2896 Robert W. and Susan B. Grimm 76 Mason Avenue Babylon, NY 11702 \ Buyn(.) I It there i. more than one Buyer, each ct you will be obligated, jointly and .everally. ; tor all eum. due and fer the performance of all agreement. ae prcvided in thia COntraat. Under the term. cf thi. Educational Goode and Service. Retail Inetallment contract. ycu have a9reed to pay the e.penee. incurrad fer goode alld .ervice. to be provided and rendered, ae the caee may be, to (hereinafter "Student") during hi./her enro men at D c n.on Co ege ur n9 academic year, includin9 tuition, room and board, book. and .upplie. ae herein (hereinafter the "Goode and Service..). The Good. and Service. ehall include only tuition, room and board. II. TERMS OF PAYMENT AND PAYMtNT SCHEDULE Diecloeurea Required by Federal Law ANNU~ PERCENTAGE FINANCE CHARGE. AMOUNT FINANCED. TOTAL or PAYMENTS, TOTAL BALlI RATE'. DoUar amount Amount of cre~it Amount paid by PRICBI Coet of credit a. credit will provided by Buyer ae total ot Total co.t af yearly rate coet Buyer Dickineon College all echeduled purch..e on paymente credit, in- cludin9 down pav-nt of $18,890.00 7.00 , $ 1.669.28 $ 3.700.00 $ 5.369.28 $ 22.590.00 --_.- Rev 2/92 f' r " ~, 9. .CYlNRFtlI' to JU8JSDICI'ION. VENJE AND SERVI~I The parties to this Agreellllnt conMnt ani agree that all legal proceed.il'Y,18 reIatirq to the INbject IIl&tter hereot shall be lDllintllined in the Court ot CoIIlmon Pleas of OJmberlan:!. Cclunty, Pennsylvania, cr, it applicable, the United. States District Coort of the Middle District ot Pemsylvania, llI'Id all parties hereto consent an:!. agree that juriec1iction an:!. ve...... tor euc::h proceedingll.ll 11e exclusively within Illlid court. Service or ptOG8111 in any II\lOh proceeding.y be mode by certitied.,lIlllil. return roceipt requested, directed to the respective party at the address set forth above. 10. This Contract shall be binding upon the parties hereto, their heire, IlUCC!IfS:lUII, usigns ll1'ld legal representatives. 11. TIME IS ce 11iE ~ OF nllS OONlRAcr. tDrICEI ANY taDm OF nilS OONSUMER CREDIT 00NmACl' IS SlI8JEr1' to ALL aAIM8 00 J::&>>&8 WHIOi 'DiE ~ 00JLt) ~1 AGAINST 'DiE !'IF.! I ~ OF ~ m SFRVICEB CSl'AIND) PURSUANI' HEltI:01() m WIni 11iE fA) n]~ HERf.X)F. REXX1JEH'{ ~ B'i 'IHE DD:lIIAC fItALL t<<n' !.N.a:u >>DJNl'S PAID B'i 'l1iE utit:lllAC 1iEmlJNDlm. tm'ICE '10 B.1Ym, (1) 00 tm' SIGN nllS AGREEJoIDa' 1Z1'UHt; 'iW READ IT em IF IT <ntl'AIte AN'{ Ill.N<< SPACE. (2) YOO ARE oom.m to A OO4Pl..EIUY FIum-IN CXPi OF niIS MRaIENr. (3) UNDm 11iE lAW, YOO HAVE 'DiE RIGfi' TO PAY OFF IN ADVANCE 'IHE FUll. AIWNr WE 00 UNID CERI'AIN OONDITIae TO OBTAIN A PARTIAL REF\JNI) OF 'DiE FIN>>lCE ~. A CCKlIEl'ED 00P'i Of' nus C'CIN'mAcr AND INl'!N)(S) TO I AGREE TO REPAY ALL Al<<X.INTs DUE oN nus !.DAN IF nlE ~(S)IBJYER(S) FAIIS to lID '" IN _ WI'Ill,"" '""'" Of' ~~' 8ItIC1EM' a:eI<mm ~ .A AAA ~ / TRANSCRIPT OF A STUDENT'S RECORD WILL NOT BE RELEASED IF LOAN PAYMENTS TO THE COLLEGE ARE IN ARREARS OR DEFAULT. DATE, DIOOts:)N COILmE 8 f-z.l(j , ~ TN ~ 4 ,0 .. r VI, N:OmQNM. PR:mSICJe (" . 1. l.lyer aglltM to pay Seller the Total Sale Pr1c. by lIIk1nsr the total cbn ~ II'd pay1na Seller the Total of PayMnte in the "'-_ and UCUlt of .mhly payMflta IholIn in the Pe)'Ilent Schec:tul.. Pa)'\ll8nt11 llre due en CII" befen the _ date ot MClh IIOnth .. the first. pa~ date. Pa)'lllnte ...t be Mde to F1nt WIlClhovia, Inc. at the tollow1nsr adlh .11. F11"1Jt Wachov1a. Inc. P . O. Bc:.oc '1OO9!S (])arlotte, He 282'12-OO9!S 2. aJyer'lI legal r1ghtll ioolu:!8 the right to pay all or part of the ~ dla en thw Ccntract in lldvence of their due db.t:ee. to obtain a nturd or cncl1t of unIU'IlId. FiDlU'lC8 ~ whenever the lIIlOUnt 111 pa1cl1n full in advance, ancl ("1th SIller'. CONHInt) to re1lWtate the Contract :If llJyer ti..ly CUI"t8 any d8fault. 3. aAyer llhall be deellle"- to have ~1tted an "Event ot Default" of the Contre.ct upon the oc~nce of any of the fOllov1rq. (a) failure to Mke any pa)'llMlnt on or before the date it ill due. (11) failure to Mke a pa)llDeDt on any uther Contract out.lltand.irq with Seller. (0) failure to perfell.. any other prov181on of the Contract. (el) pr'OV1d11YJ Seller with falee inforllllt1on CII" .ignat\A"'88. (e) death. inc-~tence, or conviction of any Jllyer of cr1.. il'1\lOlvirv frlul cr dillhone8ty, (f) 11'l801wncy or baricnJptcy of May D..tyer. 4. Upon or after the OOOlJh.tlC8 ot any Event of Default, Seller "Ul prw1dot ~ with notice, by certified midI lU!II required. by law, addllllJl1 to aLyw'. IMt known edlh 1'1f 118 shown en Seller's recotdll, advie1rv ll.Iyer ot the default Mli ot Jl1yv'. right to cure the default. The notice "U I provide the tiM, uaunt lU'll1 pertCl1llDCe nKTflUY to cure the default. If atyer does not cure the default lU!II prov1d<<lin the notice. Seller's rights 1IM1l include the right to declare all __ due on the Contract to be illllled.iately due Ilnd payable. The D..ayer ag1u. to pay all attamey'. f... and other 1"eUOMble collection coets lU'll1 CMrgee I'leceIJIJary for the collection of any ucunt not paid when due. !5. Waiver by Seller of ftny event of defllu1t 1IM1l not I:le b1nc111'lg' upon Seller :If Seller ehou1d thereafter chooee to ~111M that or any other right or a s111:llar BiIwIt of Default OCCl.lrl!l later. All Seller's rights Ilnd reJDed1_ shllll be C\&\1.t1Wl. Seller'. exercise of one or IDCn rights shall not Cll.U8e Seller to lOlle any other r1~tII. 6. This Contract is 1'nely _:lgnllb1e ~ r.eUer. 8.l)'W' ag1 tiS that upon receiv1rq notice ot the _1~t !layer shall be obi :lg.teet to the A8aignee of this Contract. W\ich ADignee Ilhall ha.... all of 9Iller's rights aro I'....U... 7. It ~ ~'\I1''t of thi. Conb-eot 1. held to be HIegel. void or unenforceebl., that. provision Ilhall be d...-d not to ha.... been a part of thi. Cont.not., liIictl ....11 othenai.. ....1n tully etfective. 8. lJlllU(':UlI~ LAV: Thill ~ n.tnt, whenever called upon to be CIClnItrwd, ...11 .. p~...4 by the <kIIIt1C intemlll law of the C "TA'Mlth of I'.h..-ylllllda n l,...t to b .... aIAlI~. ~ or pt~ted. by t4ldenl llV. 3 " . r- c. '. . -.~ . alyer's payment. 8ch~1ule will be as tOll0\ol81 NlJIllber 01' Payments Amount of Payments 45 $36.67 When Payments are D..Ie IIlOnthlr. cOIIlIIlencirg 9/28/92 ,am contillJing until 4/28/96 or !lUch tillle as Student is no longer enrolled at Dickineon (or in an approved full-tillle otf-campus pt~.QJIl of studies), whichever is earlier. 72 $76.14 month 1 Y cOIllIDencirg 5/28/96 or 8Uch tilll8 as student is no 10rger enrolled at OickillllOn (or in an approved full-time off-campus program of stlXliea), whichever ill earlier. l~t"J C'h,'-Y9'Eo: If a payment is more t.han 15 days latei, a sum equivalent to 5% of the late payment (h.1t no more than $2.50 am not less than $1.00) may be charged. F'.....I~~yment: fuyer may prepay the unpaid balance of the Amount Financed am any FINAQ CHARGE due through the date of early payment. in full or in part, vit'.llo.lt penalty, ' :~m :m:f.((lN VI Or' '!HE O:wrRAcr BELOW fl)R AN'{ l\DDITIONAL INroRMATION Aro.rr OON-PAYMENl'. DE1'AIJLT MID RmUlRED REPAYMENT BEFDRE niE SCHIDJl.ED DATE roR REPA'tMENr OF 'IllE AM)JN1' f'lNANCED. I II. IlDIIZATION OF l\lot)IJNT FINANCED 1. C.:lsh price of Gocds and Services: $ 21,360.00 " Total down P<\yment: 17,360.00 ~. 3. Un~~id balance of cash price (1 - 2): 4,000.00 4, j!.mount pa Id to others on &.lyer' s beha I l' I 0 5. T\lIloUI'lt Pi nanoed (3 + 4): $ 4,000.00 IV. CREDIT INSURANcE Credit life insurance for the term of this Contract is not required. V. 00 WARAAtrrIE9 11iERE ARE 00 WARRmrIEB. EI1Hm EXPRESsED OR IMP!.IED GIVEN BY SELI..FR IN CXlNNEX:TIOH WIlli SALE (IF niE Gc.x:>DS AND SERVICES COvmm BY nus ~CT l..INUSS RI'r'm HAS ~ GIIJm A SJ:}'lARATE WRI'ITEN WAAIWIT'f, 2 . ......, ( ". '" ,.~, lI":.. . . DIQ<INOON lXJ J ~ FLElCIJ3LE FINANCIJ<<) SYS'l'EJt - 2!500 PWf aooATIONAL GOC:m AND smvlcm Rln'AIL ltel'ALI.MENl' <X'M1'RACT Date August 27, 1992 I, Seller I ElIyer (II) I DicldMOl\ College, Carlisle, Pennsylvania 17013 Robert W. and Susan B. Gr111'1Tl 76 Mason Avenue Babylon, NY 11702 It there is IIlOre than one B.lyer, each of you will be Obligated., jointly &rd severally. tor all III.lIllS due and for the pert011DanCe of all agreements as providecl. in thill Contract. Under the ter1llllS of thill EHucational Good8 ard Services Retail IrstallMnt Contract. you have agreed to pay the expel'lllel!l incurred tor good.s and. eervices to be provided. ard rendered, all the cue may be. to Shannon Gr1nm (hereinatter "student") d\.U"iR] h1slher enrolllllent at Dicki/llSOll College during the 1992-93 acadAlmic year, incl\niR] tuition, roaa and. board, book8 am supplies as herein stated (hereinatter the "Gocx!a am Services") . The Good8 am Services Bhall include only tuition. l"OOIIl am boarU. II . TmMS OF PAYMENt' AND PAYMfHl' SOlEDULE DisclO8lJreS Required by Federal Law ANMJAL PmCENI7m: FINANCE ~I l\J<<XlHl' FIIW<<:ED: TOl'AL OF PAYMOO'SI rom. m.E RATE: Dollar Amount Amoont ot credit AIIlount paid by PRICEr Coet ot credit as credi twill provided. by B.1yer as total ot Total coet of yearly rate cost B.1yer DickiMOl\ College all scheduled p.Il"Chue ca payments credit, in- cludiR] dolm Prtor to repay- payment of !DIntl11 nn lIS 17,360.00 . ~i, "rY- !DInt: 1.0 lIS tJ.251.95 S 4,000.00 . 7.251.95 .21.360,00 7. On or about February 9, 1994, Student executed the Second Contract as a co-signer, thereby agreeing to repay all amounts due on the loan If Parents defaulted III accordance with the terms of the Contract, See Exhibit B. 8, On or about October 5, 1994, Parents entered into an Educational Goods and Services RetalllnstallOlent Contract ("Third Contract") for expenses incnrrcd for goods and ~ervices to be provided a,;_ rendered to their daughter Shannon Grimm by Dickinson during the 1994-95 academic year. A true and correct copy of the contract is Incorporated by reference and attached as Exhibit "C". 9, On or about October 5, 1994, Student executed the Third Contract as a co-signer, thereby agreeing to repay all amounts due on the loan if Parents defaulted in accordance with the terms of the Contract. See Exhibit C, 10, On or about February 20, 1995, Defe~dants entered into an Educational Goods and Services Retail Installment Contract ("Fourth Contract") for expenses incurred for goods and services to be provided and rendered to their daughter Shannon Grimm by Dickinson during the 1994-95 academic year, A true and correct copy of the contract is Incorporated by reference and attached as Exhibit "0". 11, On or about February 20, 1995, Student executed the Fourth Contract as a co-signer, thereby agreeing to repay all amounts due on the loan if Parents defaulted in accordance with the terms of the Contract. See Exhibit D, 12. On or lIbout March 7, 1996, Parents entered Into an Educational Goods and Services Retail Installment Contract ("Finh Contract") for expenses incurred for goods and services to be provided and rendered to their daughter Shannon Grimm by Dickinson during the 1995-96 academic year, A true and COlTect copy of'lhe contract is Incorporated by reference and attached as Exhibit !'E". Two Thousand Dollars ($2,000,00) with intcrest at the initial rate of eight Pilint twenty five percent (8.25%) per annum, In Olle hundred twenty two (122) equal monthly installments of Twenty Four Dollars and Twenty-Seven Cents ($24,27) commencing on February 28, 1995, 19, Under the te"ns of the Fifth Contract, Parents, as "Buyer" agreed to pay Dickinson [lour Thousand Dollars ($4,000.00) with interest at the inltialrate of ten percent (10,00%) pel' annum, ill one hundred ten (I to) equal monthly installments of'Fif\y Five Dollars and Sixty-Eight Cents ($55.68) commencing on April 28, 1996 20, Section II of'the Contract(s) provides that "If a payment is more than I 5 days late, a sum equivalent to 5% of the late payment (but no more than $2,50 and not less than $1.00) may be charged." 21, Section VI, Paragraph 3(a) of the Contract(s) provides that "Buyer shall be deemed to have committed an 'Event of Default' of the Contracts upon the occurrence of any of the following: (a) failure to make any payment on or before the date it is due,.,," 22. Section VI, Paragraph 4 of the Contract(s) provides that ifan Event of Defilult of the contract occurs, and is not cured by the Buyer pursuant to the Notice of Default, Dickinson has "the right to declare all sums due on the contract to be immediately due and payable," 23, Parents defaulted on the Contruct(s) by failing to make the required monthly payments on the Contract(s) due and owing to Dickinson since July 31, 1996, 24, Notices were forwarded to Parents informing them of their default and right to cure such default, 25. Parents have failed to cure such defaults. .sr"'tr" ". "...r,~ 0"""" b.. _..,... '" ,\,bI " "".. ,1\ ""'. ,,,,,.. e".....)" ". 'lb. ,,,,, ,.."" """b "" """'. ,....,.." ,,, ", ",.hI. .' 0"""" by be Immediately due and payable. ,...". ....- "... CoolftOl\" ,. T-"'- T",,"t' ,,,' H'..... S1' ",,1\., ... B''''''' "'~, """ ($2W',"" wb<b ,,,"'" ~,,,,,,, ,. lho ..."" ,n-'" ThO"'" H'" H"""" B'''''' HI.. ",,1\.. ... ,,,,,.r,,, e". ($21\.,,,,44). ,.,_ ,. ,''' .."" ,f '[w' 'lb~'" ,\,., 51' 0,1\.. .., 'lbi<ty e,," ($2.066.'" I'"~ f~' I. ,''' ..".tof'lb'" H'"'''' "In, Do' 0.1\." and Nille Cents ($351 ,09), plus reasooable attorney's fees and collection costs, WHBiUl,{JI"" ".'.I\ff o.".~. e,\Io" ,...." }"'.'" ",.,,", ,..... .""rt W. o.,~. ... ,,,.. D. 0"... W. ,. ,''' ". ,fT'"'' 'lb'" '11w"'''' ,,,' H""" ,\,0,1\.' "" B'....,."'''' e,," ($23.406."). ,\" ''''''. I. .. ,."" ,r "" Dol\... ... 'lb\rt, e,," (55 .3') '" day from July 24, 1997, late fees, costs of suit. attorneys' fees and collection costs. COUNT n DICKINSON COLLEGE V. SHANNON GRIMM DRF.AClLQ1l CONTRACt ". ,........ \ .."..." '" ""."...., _" by ~r,",'" .lflO' fortb ,. .,1\ ". ,,,,,,, .,.... lb. "",..,,1\,) . .St...,,1 e"\..... ..' I. do", ~ .,"" " · ",,, .1\ .._"''' .hI. ,.. ,,,.. ...-".)Ifl""") f.iI " do "' ,. """,.... w"b lho to".. ,r ",. Note". ". _'" ,..... "''' f.llo' " 0'" ",..".. '"' "",.. ili. e"''''(')'' oo I. \ \ , \ 1 i \ default, Student is obligated to repay all amounts due under these Contracts, 3\. 010'\'''' "" _.... ",.."to"'" 001\,.'''' oW""" by 51..... "do<.... ..I t..~ \ \;(\\' i ;\{\\\ ~\ ,I\\.r 1\1 Iv ,\'\ t\\\ ~ I I I'" ,",' I,. :'j 1\ \\ \ 1\ ~ ,,\. \ I\H\\ ".\\ II; ,.' \',,1,\\\\ \_\,,\_\\-,1\-' \\\'\\\:<\\\\ _ \i'\,\;\" \\' (.1 1'\' " \\1 ,\\\\,: ,1\ ,,\. ',',\\1':' \ 1.\. \ \.1' \.',1"" \l','f") \. 'I l ~\ '\ \\t) i_,I ',j" , r:_:,\,\\?\ \ 1 i e,\ . 1,\\\ \'/ ',-'(I \.I t \\ ;1\\'" \)1"-\ \\i..} , Y j ".,\11 .., ' ,\ \,(." ' , . ... ,.\' p\l\ ,;\\.1\1\.\1".' ,.,..111,..1 \,\.\'-1:,\\\.'.'\\\.1",-".\'---. ',,\ ,i\\ \:-\\~,-' _"o<~' V I I,' v:J,' \ . 1\,". \ I".'.' I.>')" ' ....':1\ ,:\,,1,\' ,1"..11 ",' I{\c., j. }\I."',. \ (~l;\ ,Ie'l\" \\i__\\ \ \<':,', i ,';-'C. :-.....'.".-,..>~ 1,\',"- \\\\ \',1 1\\\' \~\ \,\ \<,\ .' \~ d i ,,\ \..' \ \ I ' I \I.\~ '. \',\ \ ',I I ",\,i'.\\\ ,\\.\,-\\.']'. \>'" 'j" ,.1 I \, \ ~ \ ~ \ I 1\'" " " ..' .'1111\'1. , . 1\'.." "IF': I..U\.\.I .'. I,.. .- \\~,\,.'!""\'>'.'- '.\0\\1"':; :,\ II: \1\\\\\'- \':\,:Y' " \ (',\" . \''- \}I\... ~\')V)\_...... .\ 'II ...,~ \,I,..lc. .1\ i"'\ ,II' , "I 1\ 1,:,:,\"1 \ _,I \_,1,';-' ,,-,q \ \ \1" ,1\iC' .. ~ I \ \ ,)\1.') \ 1,1':, . \.,,<\1.-'\ \\'-,'\ I I .\\..\\\.,d .\-- ~-,--,-" \ \11' \\\>:' ,\\ .\ ~-,- .,' ,- ,..,~ .-' < i'; ,\.(.\\Ii ,1..\ bY VI\:.' ;,It) ~,r\ II ."1" j \ i.. 'l' \ ~\ \ \ '_.' \\\l \\\!l \-. '~l t \ \ ,;1 ;.\- (1\\ .,\\\:.1':11"1'" ,:' \,1",\"1', (II 'nil, Ij'\ \;ry\~" / v;~q~~'l.~' ,. ,;.". ---,~.......~- ,_ ., \- ('.i.\\\\\i\t,n t ~\ hi_\d 1._-\ \ u\\~ . " 1"','I:'C.F"\ \'F,~\ ""\'1'\; ~II\.' \, ' . 1\\\\ 1\' \"I\F.\.I \.F.' ". 11'11. " \"..\,,\1 "U\\\.\,l\l~ ' tl.,,}q\ \'\h ,\\.,' 2//" /$/ "--r-'''\~-''~_7'[~.\ rr .,d" -' "III \'.1.." h\\\,1 \\\\L\ \..h IC'" ,.\;.1\\ I. e., (f\i/~ ~\ , '.'''' I . if_iU (" \.,\1(\ \'1 h\,\_h\ b i'\\ n\",\ ..', . 1._'1 ; (Ii' ,I ! \. "',i .' ,., " \\. '\. t , ".'; r.,C'" . .\\c\ ' .... \-1 ~,.\. \ \\0 Vl,ll. ,.:'- '.-\ \ ,\;' \ \ 1\ ',It-'-, i\ l \ \ _\,l'.': ,-" ~'>\ \ ,.\\,l\ \,\'-', [",".:.':'" 'q\,.,\,,'\.'l\; -,,:,.''-'' ' ,LI . ~......'>.' n\I:' ',-,'t! (, \ \ \ \.\\1\ \ '-:1 (\ . '\ \ \ ~) '<;~ \ . \ :d\ -- tt,.V \ \" /0'" \.'! '1l~-,\'.(\' /', 0 ',~ J..~f"'~~ """'r1v--y,"\'C \1,,1 "I I , .-~ , (; i , \ ~l'j \ . ' - ~ . , .,. On or about February 9, 1994, Student executed the Second Contract as a co-algner, thereby agreeing to repay all amounts due on the loan If Parents defaulted In aocordance with the terms of the Contract, See Exhibit B. 8. On or about October 5, 1994, Parents entered into an Educational Goods and Services Retail Installment Contract ("Third Contract") for expenses incurred for goods and services to be provided and rendered to their daughter Shannon Grimm by Dickinson during the 1994-95 academic year, A true and correct copy of the contract is incorporated by reference and attached as Exhibit "C", 9. On or about October 5, 1994, Student executed the Third Contract as a co-signer, thereby agreeing to repay all amounts due on the loan if Par(;nts defaulted in accordance with the terms of the Contract. See Exhibit C. 10, On or about February 20,1995, Defendants entered into an Educational Goods and Services Retail Installment Contract ("Fourth Contract") for expenses incurred for goods and services to be provided and rendered to their daughter Shannon Grimm by ~ickinson during the 1994-95 academic year, A true and correct copy of the contraot is incorporated by reference and attached as Exhibit "0", II. On or about February 20, 1995, Student executed the Fourth Contract as a co-signer. thereby agreeing to repay all amounts due on the loan ifparents defaulted in accordance with the terms of the Contract. See Exhibit D. 12. On or about March 7, 1996, Parents entered into an Educatlonai Go~ds and Services Retail Installment Contract ("Fifth Contract") for expenses incurr~d for goods and services to be provided and rendered to their daughter Shannon Grimm by ~ickinson during the 1995-96 academic year. A true and correct copy of the contract is incorporated by reference and attached as Exhibit "E". ..... ~ . . Two Thousand Dollars ($2,000,00) with Interest at the Initial rate of eight point twenty five percent (8.25%) per annum, In one hundred twenty two (I 2/.) equal monthly Installments uf Twenty Four Dollal'll and Twenty.Seven Cents ($24.27) commencing on February 28,1995, 19. Under the terms of the Fifth Contract, Parents, as "Buyer" agreed to pay Dickinson Four Thousand Dollars ($4,000.00) with Interest at the initial rate often percent (10,00%) per annum, in one hundred ten (110) equal monthly installments of Fifty Five Dollars Bnd Sixty-Eight Cents ($55.68) commencing on April 28, 1996 20, Section II of the Contract(s) provides that "If a payment is more than 15 days late, a sum equivalent to 5% of tile late payment (but no more than $2.50 and not less than $1.00) may be charged." 21, Section VI, Paragraph 3(a) of the Contract(s) provides that "Buyer shall be deemed to have committed an 'Event of Default' of the Contracts upon the occurrence of any of the following: (a) failure to make any payment on or before the date It is due,,,.' 22. Section VI, Paragraph 4 of the Contract(s) provides that ifan Event of Default of the contract occurs, and is not cured by the Buyer pursuant to the Notice of Default, Dickinson has "the right to declare all sums due on the contract to be immediately due and payable." 23, Parents defaulted on the Contract(s) by failing to make the required monthly payments on the Contract(s) due and owing to Dickinson since July 31.1996, 24, Notices were forwarded to Parents informing them of their default and right to cure such default. 25. Parents have failed to cure such defaults. 36. Stlldelll has bee", h' I lI'vllst)l enrlchl'd by aCCeptltlg said --'10 ""_"" '''.Ib,. """., .""", ,.'.. Oloi.... A 37. ,., '.., ...,... by "'0' ~"". . . I r _ _._.....~ s Wenty Three Thollsand FOllr Hllnd d SI COllllt of the 1II0lley loaned re I( DOllllrs alld EJ hty h " · ., ..c... ($23 ,....) . Okki".. ... do.""", . . . · do '0. """. of.. '''" .... '" ~""', ... 10,"-, "d n. "'" -, l'Cl,used " MCNEES, WALLACE ~ NVRlCl( WHEREFORE, PlalllllffDiCklllSOTl Coil., . ege (,emallds )Udg , Grlm.. '0" ". 'fT m." ""'" o"f.",,,. Sh""'" Wellty Three Thou d " Sail "OUr HUndred Six D 11 1$23.,....., pi.. ."..... . , 'm'IId .....,.,,'" C". n e alllolllll of Five DOllars and Th/ C ''''. ."" ~"""" """""', . .,. ". ($5.30) '" d., .... J.~ 2<. PaId In mil. pills COsts of Suit attorneyS' Ii ' Ces alld cOllection COsts. B,_ /)_~ ~~-- Attorney /,D. NO.67408 100 Pine Streel p. O. Box 1J 66 HarriSburg, P A 171 08-1J 66 (717) 232-8000 Al/orneyS for P1alllliff DicklTlson COllege "'.' . Jt.t:h.... I, .....', ' , . - r .,.,. '..' I- I" .,........ ~: . . . DIQ(I}8)N en 1. F'LElCIBLE: FItWCIJ<<) 8iou:" _ 2!SOO PLAN mx::ATIQQL 00X6 AN> BmVIcm Rln'AIL INB'I'Ar..Utfm <nmw.'T Date August 27, 1992 I. Seller, Dicldneon College, Carli81e, Pel'Vlllylvania 17013 B.1yer(II): Robert W. and Susan B. Grimm 76 Mason Avenue Babylon. NY 11702 It there i8 IDOre than one D.1yer. each or you will be obligated. jointly am lMVenllIy. tor 411 SUIIl8 due and tor the pert01'1llance ot all &g1"eelllentll as provided in thill Ca\tract. Urx!er the tOl"lll8 ot this EHucational Goods am Servicell Retail Installllent Ccnt:nact. you have agreed to pay the expenses incurred tor goods arv:l 1lerV1c811 to be provided. am rendered. all the cue may 1le. to Shannon Gr1nm (hereiootter "student") during his/her enrolllllent at Dickinson College during the 1992-93 acadelllic yea\", includiR] tuition. l"OOrI and board, book8 arv:l supplies Il.8 herein stated. (hereinatter the "Goods ard Services") . The Goods am Services shall include only tUition, room am board. II. 'I.'m4S OF PA'x'MENr AND PAYMENr SOimJLE Disclosures Required by Federal 14w ANtW. ~ FIJW.ICE awm:, AM:XJNr FINAtaD I Ta1'AL OF PAYMnn'S: 10m. fWB RATE: Dollar Amount Amount ot credit Amount paid by PRIce, Coet ot credit all credi twill provided by ~r all total ot Total cost ot yearly rate cost EUyt,r Dickinson College all scheduled pt,D"Chue ca payments c:recl1 t. in- cluding down Prior to repay- pa)'ll8nt of -milt no , 17,360.00 \ . D.lri~ "rl"- . 21.360,00 ID8nt: 1.0 , tJ.251.95 '_4.000.0lL $ 7.251.95 '-€ ....,... .. {{-. "~ .. a'yel'" fJ ~ymEtnt '!Ichf.\dule will be as follow: NlJIlIber of PaYlllents Amount of P"yments 45 $36.67 When Payments are lXle IIlOnthly: COIIlIII.~noirq 9/28/92 . am CClntiooiR] until 4/28/96 or such tillle all Student 18 no lorqllr enrolled at Dickil'lllOn (or in an approved full-time otf-campue pI'<lg1u of studies). whichever is earlier, 72 $76.14 IIlOnthly cOllllllencirq 5/28/96 or ISUch tilD8 all Student is no longer enrolled. at Dickirwon (or in an approved full-ti!DI off'"1:lIlIlpL\lS program of st\XI.ies). whichever is earlier. ~te charge: If ~ pII}'lIIElnt is more t,han 15 dAys late., a sum equivalent to ~ of the late pa}'1llent (wt no more than $2.50 and not less than :tI1.00) may be c:harged.. F"'''(>~yment: aAyer may prepay the unpaid balance of the Amoont Financed. am any FItaN::E c:Hl\OOE due thr.ough the date ot e;,rly payment, in tull or in part, without penalty, . ::;p,r; :JECT.(ON VI OF '1liE commcr BElOW FUR AN'{ ADDITIONAL INFtRolATION AaX1l' OON-PAYMEm'. DEI'l\IJLT 1I.ND REOUlRED m:'l\'iMENT BEroRE 'I1iE SCHEVJLED Dl\TE roR REPAYMENl' OF nm AM:XJNr WIANCED, III. ITE)lIZATION OF l\MJlOO' FlNANCI:D I. C<lsh price of' Gocds ard Services: $ 21.360.00 "l Total down payment: .JZ... 360.00 w, 3, Unpaid l>>lance or cash price (1 - 2): 4,000.00 4, ~.mo\lnt pa ld to others on fuyer' s beha 1 f : 0 5. "mount Fi Mnoed (3 + 4) : $ 4.000.00 IV, CREDIT INSURANcE Credit Ute insurance for the term of this Contract is not required. V. NO Wl\RRANTIES 11iERE ARE 00 WARRl\tITIES. ElnIDl EXP~I:V OR IMPLIED, GI\JE}I BY BEllm IN ~QI WIn-! SALE OF 1HE GCX)DS MID SERVICES <'XJIImED BY nlIs COtn'RACT UNIE:a aIYER HAS BED GIVEN A :iEPMATE WRITTEN WARRANTY. 2 . ' , '" ~., . . - - r r VI. AOOITlOOL PlVVISIae 1, 8.IyeI' agll'" to pay SeUer the Total Sale Price by lIlIkirv the total ckIwn payMI'It lU1ll payirv s.Uer the Total of Pa)'IMnta in the rwber Md MOUnt of IIOnthly ~ IIhcMl in the Pa)'Mnt Schec1ule. Pa)'llltnta are u on or before the _ catoe of Mdt UIth .. the tint paYMl\t date, PaymentA _t ):Q .. to Firat v.chovia, me, at the followiR] addl..1 Pint. Wac:hovia. Ino, P .0, Bole 7OO9!S O\arlotte, He 282''n-009tI 2, 1\lyer'. legal rightll inol\MSe the right to pay all or part. of the ~ duI on tIWI Contract in advance of their due dates. to obtain a refund Clr" are41t. of unearned. Finance ~ M\enever the uount i. paid in full in llId.vanoe. lIlld (with Seller'. coneentl to reirwtate the Contract it 81yer ti..ly curee any default. 3, 8.IyeI' Ilhall be dln.,d to have ec.1tted an ''Event ot Detault" ot the <:ont:nDt. upon tha occurrence of any ot the tollowil'llll (a) tallure to Mke any paYlDlnt on or beton the date it i. due. (b) tallure to llake II pa)'lDlnt on any other Contract out.8tard1nr;r with Seller. (0) tallure to pertona any other provlllion of the Cont.rac.,'t. (d) providiR] Seller with tal... intor'lllltton or .ignatune, (e) death. illOOllpetence. or CCII'IViction ot any 1b)'V of cri.. il'l\lOlvirv trad or diehone8ty. (f) irwolvency or bllnIcn1ptcy ot any 81yer. 4. Upon or after the occurrence of any Event. of Default. Seller w11l prw1~ ~ with notice. by certified. lIIllil all required by law. addIllul to &ay.r'. IMt known eddJ: .n all shown on Seller'. AC(lltdlS. aclvillirv 8.1yer of the default ard of ~'. right to cure the detault. The notice will provide the tiM. uount. ard pertci1Jance necllTlry to cure the default. It 8Jyer does not cure the default all provic1ecl in the notice, Seller's rights shall include the right to declare all 11I_ due on the Contract to !:Ie illllll8diately due am payable, The Jl.1yer ago tiS to pay all attQr'ney'. f... and other reuonable collection costs ard charges nGCllIIIlIlrY tor the collection ot any IIICUnt not. paid when due. !5. Waiver by Seller of any event of default shall not be b1nd11'lll upon Seller it Sell.. should thereafter chooee to exercise that or any other right or a 81ailar Euwnt .of Detault occurs later. All Seller'8 rightll andllall:lies shall be aaalaUve. Sell..'. exercise of one or IIlCIr"e rightll shall not cause Seller to lo.e any other ri~. 6. 1hill Contract i. 1'reely UI!Iignable by ~ller. ElIyer agl a.. that upon nceivirv notice ot the UIIigJWnt 8.lyer shall be obligated to the _ignee ot thi8 Contract. which _ignee shall have all ot Seller'lI rights am remedies. " If any part of this Contract is held to be 111egal. void or UI'leI'ltOl"'CMble. that provi8ion shall be d.eeJMd not to have bien a part ot thi8 Cont:nct, which llhall othervi. reIIIllin tully ettective, a, lPl'r.Tt'lMR LAWl 'Thill Aglulrnt. whenever called. upon to be corwtrued, llhallbe governed. by the ~a..atio internal law ot the c: ~.......lth of Pelrwylven1a trXICIpt t9 the extent supplelDltnted, supeulvded. or pt.npted. by tec1eral law, 3 \il~\ \\\\ \'l ~t \\~\\, . llIi ~%1\\3 ..i%! 11o \\; liii\:;\" ~ ~ \~~\ ~~~~ ~ i\ ,1 niii ~;.: i~~,.. 'il~'i \ ~t ":or'l\;i ~~~ - 3\~" i1 ~ \1 i >1.i~;";.~ '0 'Q tA ,'t.... i4" ~ ~ yH ~ j ~~ .~~ ~~ 'fA%. i. . \ \ ~\ \~~\~~~ . ~ ~a ~. ~ ~,~ ...~... ~'\1atA l~ n i ~~~ \~a . i'l ll>"~ \~ll>!:\ . ~\'iht:\. ~ ~\\\ \i~ ~ \,\\~~-4 ll> \%\~ i~~ \ \ ~ ~r-1I~ ~ . ~.~ ~ 't: . po... v. ~ ... . ~~ l~ \ ~!1\\'ft~ \ \.~ \\\ . i\ {, i: ,.J ~?t '\ o ...~ oD_ 8.... ~ ~\ l! ~'3 ~ ~\ \ ~~ 35-- ~~ r-:~ -. ~%;a ~ r;~~ \~ ......'" 0 ~... oz. ~~~ ~~ 00 ~ ~...'" ~(J) ~...,,, .,;1 i ~C;;~ ,-a: "'~c:; Q . ~..,~ - k\ ?t~ ~ ~~.;; ,;1 ~~~ \ ;..j-,o . o~ o , -'" l ~... ~ ~ s \ 'U1 ..... \ a '_. II' " ~:" , T Buy.r'. p.ym.nt .chedul. will be .. tallow.. NlII1b.r ot P'yMnt.. Amount ot Paym.nt. Wh.n P'ymltnt. .r. Du. I Monthly oOlMllncing V~~.94 until r.;nA/nr; \ 136 $39,48 The ANNUAL PIRCINTAOB RATB dilelo'ld abovl i. a vari.ble r.t.. .nd aaV chan;.. Th. ANNUAL PIRCINTAOI RATI m'r incr.... durin; th. t.~ ot thi, tran.action it th. ~rim. r.t. ot ntlr...t .nnounc.d in the Wall Str..t Journ.l a. of the clo.. at bU. in... on Jun. 30 of .aoh oal.nd.~ y..r ino~....., and will b. incr....d to the prim. r.t. plu. 1'. Th. ANNUAL PBRCENTAGI RATI will not iner.... more th.n ana. . y..r, .nd th. new int..r..t r.t. will b.come .tt.otiv. on July 1 following the incr...., if .n~, in the prime r.t. of int.r..t. Any incr.... will b. in t.h. fo~ ot high.r p.yment amount... If your co.t: of t.h. Good. .nd S.rv ic.. .old h.r.und.r w.r. . 3.700. 00 .t 7.00 'par annwa for 1'1/\ month., .nd the prime r.t. p"lu."l, _r. incr..Il.d t.o ~ '. your raqular monthly P'ymltnt.. would incr.... to .~ . ~ the ANNUAL PIRClNTA08 kAT8 will not incr.... t.o mo~8' or .uch oth.r r.t.. a. m.y b. parmitt:.d und.r th. P.nn.ylvania Oood. and 'er.ic.. In.t.llmant S.ll. Act. If · paym.nt i. mora th.n 15 d.y. l.t., . .um .quiv.l.nt to ., of the l.t. payment (but no mora th.n.$2.50 .nd not 1.0. th.n '1.00) ..y be chargld. Buy.r may pr.p.y the unpaid balanc. ot thl Amount rinlnc.d and .nr rINANC. CHARGS due throvgh the date ot e.rly p'ymltnt, in tull or n part, without penalty. S8. IBCTION VI or THB CONTRACT BILOW FOR ANY ADDITIONAL INrORMATION ABOUT NON-PAYHlIft', AllD UQUIJUlD UPAYMBNT BBrou THI SCHEDULED DATE rOR RBPAYKlNT or THE AMOUNT J'INANC2D. *V.dabl. R.te. tate Chargll pr,p.yaMlnt. III. ITEMIZATION or AMOUNT rINANCED 1. C'.II pric. ot oood. and Slrvic... 2. Total down p.ym.nt. 3, Unpaid b.lana. ot cuh priCI (1 _ 2) I 4, Amount paid to other. on Buy.r'. b.half. 5, Amount rinanc.d (3 of- 4). - , ' , , - r '-- c IV. CREDIT INSURANCI cr.dit lit. in.ur.noe tor the t.rm of thi. Contract i. not requirad. V. NO WARRANTIIS THIIIIl jUg NO WAMANTIIS, IITHJ:P. IXPRESSED OR IMPLIID, OIVlN BY SILLER IN CONNliCTrOIf NITH IALI or THI OOOOS AND SIRVICES COVERED BY THIS CONTRACT UNLISS BUYIR HAl BIIN arYl>> A S.'ARAT' WRITTIN WARRANTY. VI. ADDITIONAL PROVISIONS Buy.r agraa. to p.y S.llar the Tot.l S.la Prio. by M.king the tot.l down par-ene . and pay1n9 Sallar the Total ot '.:rment. in tha number and UIIOunt of monthly paYMent. .hown in the P.yment Soh.dule. p.ym.nt. .ra due on or bafore the .... data of .aoh month a. the tiret payment dat.. Payment. mu.t be made to rlr.t W.chovia, Ino. .t the fcllowing .ddr..., rir.t Wachovi., Ino. P.O. Box 70096 Ch.rlott.. NC 28272-0095 2. Buy.r'. l.g.l right. inolud. the right to p.y all or part at the ~unte due an thi. Contr.ot in adV4no. of th.ir due dat.., to obt.in a r.tund or oredit of un..rned rin.nce ch.rga wh.nev.r the amount i. paid in full in advano., and (with Sell.r'. oon.ent) to rein.t.te the Contraot it Buyer ttmely oure. auy d.fault. 1. 3. Buy.r .hall be de.med to h.ve oommitted an "Iv.nt of D.t.ult" of the ContrAct upon the ocourr.nc. at ~ny of the fOllowingl (.) (b) (C) (d) (.) (t) failur. to m.k. .ny paym.nt on or b.fore the d.t. it i. due, tailur. to m.ke . p.yment on any other Contr.ct out.t.nding with S.ller, failure to perform any oth.r provi.ion of the Contr.ct, providing Sell.r with fal.. information or .ignatur.., de.th, inoompet.no., or oonviction ot .ny Buy.r of crime involvinq fraud or dLahon..ty, in.olv.ncy or b.nkruptcy of .ny Buy.r. 4. Upon or .ft.r the oocurrence ot any Event at D.f.ult, S.ller will provide Buyer with notioe, by certified meil a. r.quir.d by l.w, .ddr....d to Buyer'l la.t known addre.. a. .hown on Seller'. r.cord., .dvi.ing Buyer of the default and ot Buyer'. right to cur. the def.ult. Th. notic. will provide the ti~. amount and perform.nce n.c....ry to oure the d.fault. If Buy.r do.. not cur. the d.f.ult aa provid.d in the notio., Seller'. right. .hall inolude the right to declare .11 aum. due on the Contraot to be immediately due and p.y.ble. The Buyer .gr... to p.y .11 .ttorn.y'. f... .nd other r..aonable oolleotion co.t. and charg.. n.o....ry for the ooll.otion of .ny amount not p.id wh.n due. S. Waiv.r by S.ll.r of .ny Iv.nt ot D.t.ult .h.ll not ba binding upon Sell.r it Sall.r .hould th.re.ft.r ohooaa to .x.rciae th.t or .ny othar right or . .i.il~ Iv.nt of Def.ult occur. latar. All S.ll.r'. riqht. .nd r.medie. .hall be oumulativ.. S.ller'. ax.roia. ot ona or more righta .h.ll not c.u.. S.ller to 10.. .ny oth.r r1qht.. 6. Thie Contraot La fn.ly ueign.blll by SaUer. Buy.r .gr.e. th.t upon r.ceivLnq notic. ot the ...iqnment Buy.r Ih.ll b. oblig.t.d to the A..ign.. of thil Contract, which AI.igna. .h.ll have .11 ot Sellar'. right .nd r"'die.. 7, If .ny p.rt ot thi. Contr.ct i. held to b. ill.g.l. void or unenforoeabl., that provi.ion Ihall be d....d not to h.v. b..n . p.rt at thi. contract, which .hall otherwi.. ramain fully ett.otiv.. 8, APPLICABLE LAW, Thi. Agre.ment, wh.n.v.r o.ll.d upon to b. oon.~ru.~, .~all b.. govern.d by the dome.tic int.rnel law. of the Commonw..lth ot P.nn.ylvani. .xc.p~ to the .xt.nt .uppl.m.nted, .uper.od.d or pr..mpted by tad~r.l law. s - i-. . ~.. € , ., . '. DICKINSON COLLBOB lI'LlXIBLB rINANCING SYS'l'1II - PLAN B IlDlJCATIONAL GOODS 1IND SBRV!(."BS lUI:'l'AJ:L INS'.l'~T.T~ C01Il'1'IlAC'r Ootobex; 3, 1994 1. '.UU' lI\Iyer(a' , Diokinaon College, Carliale, Pann.ylvania 17013-3816 Robert. "'. fa lIlaan I, 01'1_ ., 6 ....on Ave. Babylon I+.V 11703 It thero ia aor. t.han ono Buyer, oaoh ot you will b~ obligata4, jointly and aav.rally. tor all aUIUI clue and tor the P8rtormanClo ot all agreeant.. .. provida4 in thia Contract.. Under tho term. ot thi. IduClational Oooda and sorvice. Rata11 Inatallaant Contraat. YOU have agrea4 to pay the axpanae. inClurra4 tor gooda aneS .erviCl.. to be provida4 and raneSerad, .. tho -.. ....y be, t.o Shannon Grim (haroinatter . St.udant., dudng hia/her ezu:olllllent. at DiaJdn.C\n Collage during t.ho UI4-1995 aoad_1,o year, iDClluding tuitioll, 1'0_ an4 board, booka and auppli.. aa herein .tated 'heroinatter the 'Oood. and Sorvicea.'. Tho Good. and S.rviaea .hall inolude only tuition, room and board. II . TIRMS or PAYMEN'1' AND PAYHENT SCHEDULE DiaClloaurea Required ~ Fedaral Law ANNUAL PERCENTAGE RATE,. Cost ot cra4it .. yearly rate FINANCE CHARGE, Dollar lIlIlount Clredit will coat buyer AMOllN'l' FINANCED. Amount ot credit provided by Dickinaon College 'l'OTAL OF PAYMENTS. Amount paid by Buyer aa total ot aU acha<1ulad paymanta 8.25 . $ 4,055.04 $ 8,000.00 $ 12,055.04 TOTAL SALE P PRICE. Tot.1ll coat: of!. P\lrcha.e on . cradit. inC1Ud1~... . down payaant Ot . 15, 700.00 [~ $ 23,700.00 I. 11 R*V 3/12 " , - r ~ I!"'. . "<-', .. , IV. ORSDIT INSURANCI Cradit lif. in.u~ano. fo~ the t.~ at thi. Oontraot i. not requi~edo V. NO WARRANTI.S 'l'IIIIRI AJIJI 110 WAJUWlTIa., aUHIIR IXPRSISID OR IKPLIID, GIvaN BY ISLUR IN CltlIfDC'l'rOIl' NITH I~ 01' THI GOODS AND SIRVICas COVllI\BD BY THIS CON1'l\AC:T lJNLI:SS BUYl:l\ HU Bin GIV1lJil A '''ARAB llRITTIIN WAJUWft'Y. VI. ADDITIONAL PROVIIIONS 1. BUYG~ ayraa. to pay S.llar the Total Sale P~ic. by making tha total down faymen~ and pay ng 'eller the Total of Payment. in tha nlllllbllr anel _unt at .onth y par-nt. .hown in the Payment lohedule. '.~n~. ar. due on or betora tha ._ elate of each IIOnth a. the Ur.t payment dat.. .aymenta _.t be mIld. to Bdu.ecy T.ohnologia., Ino. .t tha following .ddra... .du.a~v Teohnoloqia., Ino. ',0. Box 64974 It. PauL, IIJI 55154-0974 BUra~'. leg.l ~ightl inolud. the right to pay all O~ part of th. Mount. due Oil th · Contr.ct in advanc. ot th.i~ due dato., to obt.in a r.f.und or credit of un..~ned I'inanc. Ch.rga wh.n.ver the amount i. paid in full in adv.no., and (with Sella~'. oon..nt) to r.in.tat. the Oont~.ot it Buyar timely cur.. any d.fault. Duy.r .hall be deem.d to hava oommitt.d an oEv.nt at Dafault" of the Contrac~ upon the ooourr.nc. of any of the tOllowingl a. 3. (a) (b) (0) (d) (.) (f) failure to m.k. .ny p.ym.nt on or b.to~. the d.t. it: i. du., tailu~. to ..ak. a payment: on any ot:h.~ Contr.ot out.tanding with S.ll.r, tailu~. to pe~form any othQr p~ovi.ion ot the Contraot, prOViding S.ll.r with tal.. intormation or dgnatur." d."th, inoompetenc., or oonviotion at .ny Buy.~ at orime involving traud or d1lhon..ty, in.olv.noy or bankruptcy of .ny Buy.~. 4. Upon or aft.r the Occur~.nce of .ny Ev.nt ot D.fault, S.ll.r will p~ovid. Buy.r with notio.,by o.rtified maU. a. required by law, .ddr....d to Buy.&,'. l..t known a4d&'... a. .hown on S.ll.r'. r.cord., .dvL.ing Buy.r ot the d.fault .nd of Buy.r'. right to cur. the detault. The notic. will provide the tim., amount .nd perto~ano. n.c....ry to cur. the d.fault. It Buy.~ doe. not our. the d.tault a. provid.d in the notic., S.ll.r'. right. .h.ll includ. the right to d.clar. .11 .um. due on the Contraot to b. imm.diat.ly due and pay.bl.. The Buyer agr... ~ pay .11 atto~n.y'. te.. .nd oth.r ~.a.onabl. coll.ction co.t. and cha~g.. n.c....~y tn~ the coll.ction of any amount not paid wh.n du.. I. Waiv.~ by ..ll.r ot any Iv.nt of D.tault Ih.ll not be binding upon Sell.r if lell.r .hould th.r.att.r choo.e to .x.rcll. th.t or any other right or a .im.llar avent of D.t.ult OCcur. lat.r. All ..ll.r'. right. and ~emedi.. .h.ll be cumul.tive. ..11er'. .x.rci.e of on. or mora right. .hall not oau.. I.ll.r to 10.. any other right.. 6, Thi. Oontr.ct i. tr..ly ...ignabl. by ..ll.r. Buy.r .gr.e. that upon r.c.iving notic. of the ...ignment Buy.r ehall b. obligat.d to the A..ign.. at thi. Contr.ot, which A..i9n.. ehall have all at S.ll.r'. ~ioht and r...edi... 7. If any part cf thi. Oontract i. h.ld to b. illa9al, void or un.nfo~c.able, that proV1lion .hall be d._d not to h.v. b..1I a part of thia Oontract, whioh .hall oth.rwi.. r...in fully .ff.otive. 8. APPLIl!..r.. LIl~. Th1l A9r._nt, when.ver call.d upon to be oon.trued, .hall be governed by the dome.tio int.rnal law. of the Commonwe.lth of penn.ylyania ..c~ to the extent .uppl....nt.d, .uper..d.d or pr.empted by f.deral law. 3 t. ,... T :~:::: :1:~:~I~~~N~lr~~ar~r~~:~~~~~. ~~~a~~~:l.:: :~. t~~:~:~~.=~:r h.r.of .hall b. maintain.d in the Court of Common Pl.a. of Cwab.rland County, p.nnlrlYAnia, or, if applicabl., the Unit.d Itatel Diltrlot Court of the Klddle Diltr at of I.nnlylyania, and all partl.. h.l:'.to oon..nt and agr.. that ~u~ildlotlon and yenue for .uoh pI:'00..din9. .hall li. e.olu.iyely wlthln .aid oourt, .ervloa of proo..1 ln any .uoh proo..din9 may be ..d. by o.rtifl.d ..11, return reo.ipt req4le.ted, direot.d to the re.paot1v. party at the addre.. ..t fORh abo9a, Thi. Contraot .hall be bindln9 upon the part i.. her.to, their heir., .uooe..or., ...i9n. and legal repr...ntatlye., TIKI II 01 '1.'1III ..IIINCII or THII CONTIUICT. 10. 11, ltOTICD. AllY ROLlIIIl 01' THIS COIf.uHlla CUDIT CONTIIACT 18 IUIIJIlCT TO ALL CLAI'" lUlD D.n.... llHIOB '1.'1III D'BTOR COULD A...aT AGAIN.T TIll "LLaIl or GOODI OR .laVXCDll OITAInD IllUUAIlT auTO OR WITH '1'11I PIIOCUD. 11I:11I01'. IllCOVIIlty lIIR1lJ1fDJIl IY TIll DJ.TOIl IHALL NOT .XCIIID AHOlIN'rl PAID BY TIll D'BTOR H11l11lJ1fD.lI. NOrICD TO Iuy.a. (1) DO NOT lION THIS AOIIIIlMlNT llroU YOU UAD IT OR Ir XT CONTAIN. AllY BLANK IPACD. (2) YOU ARI INTI'1'LlD 'l'O A COKPIoITlt.y f%LLlD-IIf COPY 01' TRIa AaIlWIJIINT. (3) llIlDlR TIll LAW, YOU HAW Till RIOHT '1'0 lAY orr IN lIDVlUICJI TIll ruu. UIOUIlT 001 AND UllDla CDRTAIIf COIl1)I'1'IO"1 '1'0 OBTAIN A PARTIAL UIrUND 01' TRII I'IIfAIICJI CIIARG. . 'UYIIl(.) ACIJIOWLaDoB(I) TO I. !.&OALLY IOUND BUYD(I) I NO A COHPIoITl!ID COIl' or THIS CONTRACT AND IN'l'IIrD(.) 1 AaUI TO UPAY ALL AMOUNT. DUll ON THIS LOAN II' Till: 10RROWIR(.) IIUYIR(I) I'AILS ... '" so .. --... .,.. ... ..... or ... ~ .TtlDIlNT COIIONIR /It A AI ..rl A:rYf . ~.CIlIPT or A ITIlD81CT'. RlCOIID WILL NO'Jl U ......,..110 Ir LOAN PAYMBlr.r1 TO TIIII COIoLIo. AU IN A~'IAJt. oa DIPAUL!r , OAT'. DICkINSONCOIoLIOIl It). S'~ '9 t{ BY ~'1""" .- oJ 4 '.' " ~ , "~-":' .j. ft', DIO_IN.ON COLLBGI 'L_ZIBL_ .IHaHOING 8Y"IM _ .~ 8 IDVCA'JIIOIIAL GOOD' AND 8I1RVIO.. alTAIL I"'T~T.urln COII'J:IAC'J! rebruary 17, 1995 I. .eUnr Dickin,on Colllgl, Clrli.le, Pennlylvania 17013-289' Robert W. and IUlan I, Or_ 76 "I.on AvenuI labylon, NY 11702 luyea:(.) I It thea:. i. ~re than ona Buyer, elch ot you will bl obligltld, jOintly and "..rally. tor all IUlD. du. and toa: thl pea:tormancl ot IU agl:l_nt. a. provldld In thb Contract. Under the tlnl ot thh Iducational Oood. Ind Servica. Retail In.tallment COntract, :rou have egr..d tc pay the expen... incurrld tor goodl Ind .ervice. to be provided and rendered,. thl ca.e may be, to Shannon Or~ (herlinlttla: "Student") durlng hl./her ena:ollment at Dickinlon COllege during the 1994-1995 Icademlc year, lncludlng tuitlon, rOQQ and board, book and 'upplil' I. harain .tated (heralnattlr tha "Oood. and Slrvlcl."). ' . Thl Ooode Ind Servicle Ihall lnclude only tuition, room and baird. II, TBRMS or PAlCMIINT AND PAlCHlNT SCHJ:DULII Dleclo.urle Rlquired by rldlral Law ANNuAL PIIRClIlNTAOI PIMANCB CHAJl.OB, AMOUNT PINANCI!D I 'l'OTAL or TO'1'AL SAU lO RATII* DoUar amount Amount at crldlt PAlCHlNTSI lORICB, Cc.t 'ot crldit a. credit will providad by Amount Paid by Total. coet o~ yearly rate coat bUYlr Dickin.on COlllgu Buyer a. total at puroha.e on all .chldulld orldlt, lnoludil paymenta clown paymant 0:, . 21.700.00 8.25 , $ 960.94 $ 2,000.00 $ 2,960.94 . RIV 2/'2 7":. 'f - T .uY'~'1 p.yment loh.dul. will b. al fQllawl. Nw.b.~ of 'ayaentl Amount Of 'aymentl Wh.n .ayment. a~. Du. 122 , 24.27 Monthly oommenoing 02/28/91 untl1 01/28/01 Th. AKNUAL PIRClNTAGI RA~ dilolaled above il . vari.bll ~.t. and "r o~ange Th. ANNUAL'PIRalNTAOI RAT. may ino~.... du~lng the t.~ of thi. t~an.aotlon If the prlma ~at. at int.r..t announo.d ln the .all .tr..t 30urn~ a. at the 010.. at bu. in... on Jun. 30 at .aoh oat.nd.r y.ar inor....., an~will b. inor....d to the prL.. rat. plu. 11. Th. ANNUAL PIRalNTAG. lATa will noe lno~'..a mora th.n ono. a y.a~, .nd the naw intara.t ~at. will baa~ att.atlv. on July 1 following the ino~.a.., it any, in the p~t.e ~.tl of inte~'lt, Any lnorla.. wlll bl ln the tOrtl ot hlghlr par-~t UIOIIIlt.. If you~ aOlt at the Goad. .nd ..nla.. .olel h.rlunel.r werl U,OOO,OO at ..2" pa~ .nnum tor 122 month. .nd thl prlma ratl plu. l' WtI~1 lnor'llId to ..211, YOllr rl9Ull&' IlOnth1y payment. wolllel lna~.a'l to UI.n. rurther, the ARIIUU. 'IRalNTAGI RAft wlll not lno~a"l to mon than 181 Or .uah othl~ rlt. a. My be pal:lllltt.d Undlr thl P.nnly1vanla Goad. and .1&'Viol' In.t.l1Mnt .al.. &at: Xt a p.yment 1. more th.n 11 d.y. lata, a .om ~lv.l.nt to ., at the latl payment (but no mora than $2.10 and not 1... th.n '1.00) ..y be oharged. IlIy.r may propay the unpald b.lanc. of the Amount rlnanaed and any rINANCE OHARQa dua through tha dati of a.~ly payment, in full Or ln art, wlthoue P41nalty. .aa .aCTION VX or THlI CONTRACT llLOW rOR ANY ADDITXONAL INroRMATION ABOUT MOM-PAYMINT, AIlD RlQUIRID U'AYIQIM'l' .arou THI SCHlDULl:D DATa roR RlPAYMlM'l' or THlI AMOUNT rIMAIlCID. *Variabl. Rat.. Lat. ehug.. h.paynllntl XII. ITIlMUATION or AMOUNT rINANeBD 1. ea'h p~lo. Of Oood. .nd S.~vio'" , 2, Total down paynllntl 3. Unp.ld balanca of o..h pric. (1 - 2). 4, Amount paid to oth.r. on Buy.r'. bahal f I - 0 . I. Amount PinaRaad (3 + 4) I , 2 8. ".' 't., '.' , ", .. , .~ .'~~. IV. dklDIT INIURANCI O~~it lit. in.u~anc. to~ the t.rm ot thi. dont~aot i. not ~~ire4. V, NO WAJUWrrnl '11III11I ua 110 "AMlUITII', IITHIl. IXPMI.ID OR IMPLIID, GIVIIW IY IJILLla ZW OOII".CTIOIt wIft IALlI or 'I'HI GOODS MIl I.RVIOI. COVIRlD IY THI. CONTRACT UIfLJ'1 luna IIU IIIIt GIVD A .1'AJlA'l'I W1tIT'l'IIf "JUIUWn'Y. 1, VI, ADDU'IONAL PROVIlIOlfl luy.r agr... to pay I.ll.~ the Total lal. .rio. by making the total down pa~nt and paying I.U.r the Total of ..,..nt. in the n\llllb.~ .nd lIlIOunt of IIOnthly paYMnt. .lIown in the 'a,.lnt 'oh.ctlll.. .ayment. lI'a dll. on or before the .... date of each IIOnth a. the Ur.l: pav-nt d.te. .a","I:. .1I.t be IUd. to lIdIleen oreahnologl.., Ino. at the tallowin; addr.'1I1 141l..rv T.ohnolovi.., Inc. ..0. lox 64974 .t. .aul, NH 55164-0974 lurer" legal right. inolud. th. right to PlY all or p.rt of the _nt. dlle th . Contr.ct in advlnol ot th.ir due dat.., to obtain a r.fund or. c~.ctit of IIn'.rned Winano. Cha~gl whln.v.~ the amollnt i. paid in fllll in advanc., and (with I.ll.~', oon..nt) to r.in.tat. the Contr.ot it Buy.r tim.ly 0111'1' any dot.ult. 2. 3, luyer .haU b. d_d to hlv. oCll1lllithd .n ".v.nt ot Dlt.ult" of thl Contr.ct: upon the ooollrr.no. of .ny of thl tollowingl (.) (b) (0) (d) (.) (t) taLlur. to makl any paynMlnt on or b.torl thl dati it. iI dll., failll~. to mak. . pa,..nt on .ny oth.r Contraot ollt.t.ndin... with ..11.1', faill1~. to pa~torm any oth.r p~ovi.ion of the Corltract, providing S.lll~ with tal.. information or .ign.tll~.', d.ath, inoClillpllt.no., or conviction of Iny Buy.r of orime involving f~allcl or dhhon..ty, inaob.noy or bankruptoy of any Buy.~. 4. Upon or att.r the ooou~~.nc. of '.ny .vunt ot D.falllt, l.l1.~ will p~ovid. llIyer with notic., by o.rtifi.d .ai1 .. r.quir.d by law, add~a..ad to luy.~" l..t lenown add~... .. .hown on S.11.~,. r.oo~d., advi.ing Buy.r of the d.f.1l1t .nd of Buyer'a right to oun the d.falllt. Th. notio. wUl provide the time, AIlIOIlnt and ..~form.no. n.c....ry to ou~. the d.f.1l1t. If Buy.~ do.. not Oll~. the d.f.1l1t .. provided in the notio., 1.11.1'" ~ight. .hall inolud. the right to d.c1ar. all '1IllI. dlle on the Contraot to b. irIIlIadi.t.ly due .nd payable. Th. Buy.~ '91'''' to p.y .11 atto~n.y" f... and oth.~ rl..on.bl. oolllotion oo.t. .nd oh.~..... n.c....ry to~ the oOll.ction at any amount not paid wh.n dUI. waivlr by S.ller of .ny Ev.nt at Default 'hall not b. binding upon I.ller if I.ll.r .hould th.r..tt.r ohoo.. to .x.~oi.. that o~ any oth.~ ri...ht o~ a '~il'r .v'nt ot D.f.u1t oocu~. lat.~. All l.lle~l. ri...ht. and ~...di.. .h.ll b. clIllIulativ.. S.ll.r'. .xlroi.. ot on. or mol" right. .ha11 not cau.. S.ll.~ to 10.. any oth.r right.. orhi. Cont~.ot i. fr..ly ...ignabl. by 1.1111'. Buy.r a9r... that upon r.c.iving notic. of the a..ignment Buy.r .ha11 b. oblig.t.d to the A..ign.. of thi. Contraot, whioh A..ign.. .ha11 have all of S.ll.r'. right and remedi.., It any p.rt of thi. COnt~act i. h.ld to b. ill.....l, void 01.' un.nforo.abl., that provilion 'haU be d~ not to h.v. b..n a part at thia Contraot, whioh .hall oth.rwi.. ~...in fll1ly .ff.otiv.. APPLIQJ\,BU LAWI 'l'hh Aqr_nt, wh.n.v.~ o,Uad llpon to be oon.tn.ct, .hall be gov.mad by the dome.tic int.rnal 1.101. of the Coanonwtlalth of P.nn.y1vania .xo.~ to the ext.nt .lIpp1...nt.d, .uper..ded or preempted by f.der.l law. 5, 6, 7. all 3 '. ,. ~~~ ~ .,... .,..4,!..... . ...~ii.,.. ,~t'+;;y ~. ~~......,o'\.O;;: ~~. .."&~...,,, . 10 Z~ ~.... O"~~ -eo -,.,"'-1(, . 'Ci~. ,f> 'Ci~~~...r.. ....... 10 'Ci~ "i!P:.......' +~ Jt....~ ... .' . .01,; -c; 10"" ...~'\ ....":d _G~ . q~...~~.."~of,"'O .~b ."......A ~ .fY ,...- ...'t' .". ~....~.... {:o~ O..<$- t,.. .....~ ."'JofS " of.~~. "...... ,.~ ' ~".,..,.....'" "<-' .,., , .. .,.. ....' " ~ . ~ ... ...' ,I' <- ,.r.;'" '" ,..", ~ V"'" ~.. 0 <Ji>.. . .. ':1>' '" ' ..<r~ .... · "" .r...,....,iy// ...p' ." "/7 /" . " "..' ~... $> . ... "" V...;' · . .. .' ...ot,,~ ... ~, . " ..... ~.p!., " ''''..:d> .t';....~ '$-,/~Y ... </' · ""do/ .&~'" ,,~' . . ,.-. ".." ,;? '" ~ ~ or . ,,' "....../,p';. ~.... ;~. '#",~?s~ .... ... ........<'; .0" .A" # ,,-.,/ ~.y. ~A>' ~ V ......,. ......" .....". . ...-P" ~ <'~, ~. '$"'~~ . ."'-, ~., ~;~~;/' ~ "*~...;. . ". ........~. ........ ...-:." ~ do ,/..;#'/ /h ""o~ ~ '....",,. /."" .., ~........,. oP"", . ....~ · ,(> do {.<' ,," A# e"~" ~~~ "..... 6' .' ~ . ... . AA <I' .. ."<0'" "" .", "".r .' "'.......... .4'<f. .'; r O' . . .,.. ....:... ~.I> ~$' 6' .... .....~ A ot! ""o"'~'" <f'..A'>. ~...\_49 ~...- 'fTA.,...C'".II!' A" ",eTA + or ".... ,,'" ~". ..~~:,r,q \,..~, ~...'" ~~ ~'''~ ..... ..' ~,. '" ~,?",,"4~~' A~~' ~ ~..~~ ~ 6f:f'- ~b~':; ~,.-;~ ~ " ...,.~ ...sop..... .....'t' ~ ....s" "",.:' .....' ,....#' ......' ~'t' ~~ ~ .."A" ~ +(j~ . ........ ~ * ...... 0" .....o~ 9~P~ .oP~~~ ~. ....~ ~~ ~......tP~ ..0 ~...'"# ........ ~ ..._....+ ~6~' ..~ .p A 6>~ ~~ V" .,#'V ~o"" 6>~<'; ~o+ ~..'+' 9"'C; 'fI'" ~...~" - - , , , r~ ( ;ee\ ~ t ~vw DICKINSON COLLEam FLEXIBLI FINANCINa IY_TEN - PLAN 8 IDUCATIONAL GOODS AN\) SIRVICIlS UTAIL INSTALLMENT COH'l'IW:'l' Muoh 7, 1996 :to 'llll&' 1 DLokLnlon dollage, Cal'lLale, Pennaylvanla 17013-2.9. luyer(l) 1 IIoblrt a llIlan 01'1_ '7' Malon Ave. labylon, NY 11702 If thlre 11 1101" than one Buyer, eaoh of YOIl will be obUqllted, jolntly and e.veralllt'. ;' all IIlIIla du. and for tM perfomanoe of all agra_nta aa, provlded Ln thLa Contract.. UncI8r the tlt_ of t!lb .suoational Gooda and .ervLoaa btaU Inatll11ment C:Ontract:, fOIl b A9Z'1Id to pay tlla lIXpIInHI lnoul'racl for gooda and .enlcea to H provided ancl rendered, aa the 0 "1" H, to Ih.nnon Grtm. (hereinatter .Studant") dllrLng hl./har anrollment at DlokLnaon Coll durLng th4t 1991-199. aoad-.t.o rear, lnollld1ng tultion, room and boud, boob ancl allppU.a .. ur atated (h4tr'inaftar the "Gooda and larvloea"). The Gooda.and .ervioaa ahall inolude only tultion, room and bo&rd. II. TERMS or PArKlNT AND PAYMlNT SCHlDULIl Diaolo.ura. Required by r.darat Law ANHUAL PIRcaNTAQI FINANCE CHARGE. AMOUNT rINANCED. TOTAL OJ' 'l'O'1'AL IALI RATSII * Dollar IIlIOlInt Amollnt of oradit PAYHJ:NTS . PRIClfa ii' Coet ot oredlt .. credit will providad by Amount paid by Total oo.t otV 1"e"l1" rat. ooat bllyer Dlokin.on Collage Buyer .. total of PIlrohaae OIl , all .aheduled oraclLt, Lnoll1dLI paYlllnta down plJMnt. 0, , 1.,310.00 10.00 . '2,124.80 $ 4,000.00 , 8,124.80 . 24,870.00 i by 2/iZ ~~ of '.~nt. 110 .V.dabl. lI.t.. L.t. Chaq.. 'I'epay.ent. 't, ,1" . . .1' ~I , I I, l~ ~ BUYII". p.~nt .oh.dul. will b. aa followa. . AIIlount of '.ymenh Ilh.n '.yment. U" 011. , al.68 Monthly oommenoing 04/28/9' until 01/21/01 Th. ANNUAL .IIIOINTAOI RATI di.olo..d above i. . ~i.bl. ~.t. and ..r oh.nq. . The ANNUAL '''ClNT~aJ RAT. m.y inor.... dUl'ing the t.1'M of thi. tl'an..otion J the ,d_ ....t. of intlrllt announoed in the Ifan ."r..., ",",urnal .1 of the 0101 of bUlin'.1 on Junl 30 of 'aoh o.l.nd.~ y..1' inol'....., and will be inol'.... to the pzoJ,1II rat. ,111I U. Th. IUlMlJAL 'JIIOIIC'tAGt RAft will not inol'll'" 1101 th.n one. . Y'.r, .nd the new int'I'..t I'.t. will beooee .ffeati.. on JUly following the inol'...., if .ny, in the pl'~ I'.t. of int'I'..t. Any J.nOl'&a' w111 be in tM fol'M of 'high.1' p.YJIlIlnt uount.. If youI' ao.t of the Good. .r J.&'Vio'l .old h'l'.und.1' w.r. $4,000.00 .t 10.00_ pel' .nn~ fol' 110 IIOnth. ar the prJ..e I'lt. plul 1_ Wlr. inol'....d to 11.00_, YOUI' I'l9Ul.r .aRthly pa,..nt _ld !non... to , 17,88. I'II&'t:Mr, the ANIltIAl, I'IIICINTAGI RATII 1f111 not inol'&" to IIlOI'& than 1" 01' .uClh oth.r rata .. may be plImittld und.~ the Penuylvui Oood. .nd ..rvio.. In.t.llm.nt ..1.. Act, :U · p.y.ent 11 IDOl" than 15 d.y. l.t., . .UlII equiv.l.nt to It of the l.t payment (but no IDOl" th.n $2,50 and not 1... th.n '1.00) ..y be oharqad. luy.r may pr.pay the unpaid bal.na. of the AIIIount rin.nald and .rty ,:tlIAN( CRAIIOt due through thl d.ta ot early p.yment, in full 01' in an, withou penalty. sa 'acTION vt O. TItII CONTIIAC'l' alLOW POR ANY ADDITIONAL INrORMATION ABOUT NON-'AYMIII'r, RI(IUIIIID IlI.AlCMI:lC't IIPOQ TIlJl SC:HmDULXD DA'l'II FOR RBPAYMJ:NT or TIlJl AMOUNT rINANClD. III. ITialIZATION or AMOUNT rINANC~D 1, C..h prio. of Good. .nd S.ry io... . 2, Tot.l down p.yment. 3. Unp.id b.lano. of c'.h ,ria. (1 - 2). 4. ~unt paid to ather. an auy.~'. blh.lf. -Q, I, ~unt .in.nald (3 + 4)1 . . , .... ,... ., t I I 8. Ot dt v. CRIlnzr l~au~C~ · t 1tt. tll.~teIlO. ~ tOt the tllt/ll at tht · COlltteot t V . 1I0t t.Qtlttllcf. .... ..~..... ........... . .. ""'-... '- 0,. r". GooD ., al2'''-1I .J( . ......... ""'" ..:.~ ........ ,...... .. ....... -......,.,. . .. .... -..;.. .:"" 'r -. .. ""'- rtz.."" 8111'1:/t HJuJ 8.~ ......a:z.lOlf .... OlVllJr V.r. .\DDl2'lO ..... """ r. . .... ........... e/ld ~yt/l ey ".11.~ th. 21 ........ : """ '" ..... .. . .... "'. "'" . ::::.:,...'::.~~ :: .~""':::':-:'~'. ~:::.:.~?:! :;:"'':':i ~::_. .. . """"" .....:.:. .............:: :;:... tho .... ' ..... ......,..... . to..._ .0. 80_ '.'74 , 1110. "t. "elll .... , ..... 59J'4_017. 8~y..t'.. 1.ge.1 ~t tht. Co/ltteot 9ht. t/lOlllde the l',( , ........ '''''~ ....... .. '"'' .~. to ... '" or .... tor.. ..".... ......"" "_. tho .::.... .. ...... . . .: tho ....... ... "'''''. ...., " ......... th. '" ,. .... to ro,,' ;0< or ...... or .. cOlltl'eot tt "".t 11 edV4llloe, '1Ie1 ..... ..... .. ..- · ....,.......... ...... .......... ..~:~: ;.......... ........ I.) .... .. """'''' .....,.. .. ... c (bJ '" " _ .. ....... t.t111l'e t .r P'~lIt 0 I., ........: _ . ........ .. : or ...... ... .... '" .....lO. ....... '''' .... " ..... Coo..... ".. ..... I., ......::.:::;... .... ..... ',:::::.~~.. or th. c..:::::::..,.. ".. """ I., or ........... ..... " ....,..,.. ..~ .. .'......... . . ....,..... or. ... " "Yo. or ..... , u....1I . .. ...,...... "Yo. ........ ..... ~ Ot ettet th . "'tth /lOtto. b · OOO~tl'e/loe Ot e ...... .....;. :. ...."... .... .. ': ..... or .....,. . :::::::':.':" " ~,: :::::'" :::::::. ':.t:,~ ....:.r::: '':'i.::::-.." ...... ::::r::: " ::'--::''::..''.::.,: ~'...:::,~,:: ."~! ::..'7.:..:::,:..... ::: or ~::.';.;~:* ::-.~...': :f.... :':::":.,:..,:'i.~ ';:,'::-:.~;- :::'.,,: i::'2:~:.. ...... " .." · .."...... .. .... :.::::::~... i.'..::,:, .:;.. ~ ':.'::;.. -. to. .........., ....... ..... .. " .... ..... .. .... ............ ...... .....,....".... ,.....,...... ':;.~:-:"'<o ...... ::. ':.'::'~ .... or :":':i" 'Po. "".. " ... '" ..... ...:. · .....,.. .. 'Oo. .. · ...... .... ...::. ..... or . .'-'t... .. . .... ...... .. . .. ...., .. "". ........ " . . ... ..... ""'.. to /lOtto. Ot the. ;l'..ly e..tg/l<<ble b ..~glUrJe/lt all :y S.ll.to s Yo. -.." .. ....;...:r:: ;:.... .... .... ......, e A..tgll.. Ot tilt. 1117 ..... ,. 1, , 2. J. .c. f. I T ~ ~,,;, . '. , . Cont~act, whlch A..lgnwa .hall have all or. Sallar'. rlght and ramedla~. 7. It any p.rt of thl. Cont~act 1. h.Ld ..0 ba 111lgal, vold O~ un.nfo~caabL., chat provhlon .haU b. da_d not to hava baan I pa~t of thl. Cont~act, whlch .haLL oth.rwl.a r...ln fully aff.otlv.. eo APPLIr.aatl ~I Thl. Ag~.emant, whanavar oaL~ upon to b. con.t~uad, .hall b. 'JOvarnad by tha dOllla.tlc lnt,arnal Law. of the COII'I1lOlIwaaLth of Pann.ylvanla .xcapt to the axtent .uppLamantad, .upa~..dad or p~.amptad by fada~aL l.w. I. lY\"tlllNlf'M .nmr!lDtt!'t'ION. VltNUIl ANn IIRRVICJB. Th. partl.. to thl. AQr._nt: con..nt and agra. that alL lagal p~oc.adlnga ralatino to the .ubj.ct mattaI' h.~aof .halL bta .alntalned ln tha Cou~t of COlmlOn Pla.. of CwIIb.~Land Count:r, Pann.ylyania, or, if applioabla, tha United' statal Di.trlot Court of tha KlddL. Dl.trlct of Pann.ylvanla, and all partial harato ocnaant and agra. that jurl.dlotion and vanua for .uch proo.adln9. .haU l1a axclu.lvaly wlthln aald aourt. Sarvlaa of proca.. ln any .uch proca.dln9 may ba .ad. by certlflad .al1, r.turn raollpt raqu..tad, dlractad to tha ra.puctiva party at tha addr... ..t fonh lIbove. 10. Thla Contract .hall ba blndlng upon the p&rtl.. harato, thalr halr., .uaca..or., a..19n. and 119a1 r.pra.antatlya.. 11, TIB IS or TB J:SSlNCJ: or THIS CONTRACT. ROTICIlI ANY IlOLDJ:R or THIS CONSUMER CU:DIT CONTRAC'l' IS SUBJJ:CT TO ALL CLAIIUI AND DJ:nNSJ:8 1!H:ECH TIlII DIB'X'OR COULD ASSERT AOAINST THJ: SJ:tLER or OOODS OR SlaVICJ:S OBTAINIlD PUR'UANT DUora OR WITH THJ: PROCIiBD8 IIIRBOr. RBCOVJ:RY HlIRZUNDBR BY 'I'D DBBTOR S!tALL NOT BXCIlED AMOUNTS PAID BY THJ: DBB'l'OR HBlUI:llNDBR. IiOTICIl TO BUYIRI (1) DO NOT SION THIS AORBEMlNT BBlrOIUl YOU RBAD IT OR XI' IT CONTAXNS MY BLANIt "Act. (2) YOU AU BNTITLID TO A COMPLBTlLY rILLED-IN COPY 01' THIS AGUJ:MJ:NT. 13) UNDER 'I'D LAW, YOU HAVE THB RIOH'l' TO PAY 01'1' IN ADVANCI Till I'ULL AHOUN'l' DUll AIlD UNDJ:R CIlR'l'AIN CONDITIONS TO OBTAIN A PARTIAL RBI'UND 01' 'l'HB rINARCIl CHAJIOI. BUYER ( S) ACJt.llOWLB Oil ( S ) RIlCB TO U LlOALLY SY ITS COMPI,ITID COpy or THIS CONTRACT AIlD IHTIlIlD(S) BUYIR(S) I n; C!Ir'DO so IN ACCORDANCI WITH T~ TBRMS or THB nB: _ ~ _ A _ i . ~ .TUDINT COSIONllM ~ ~ l ~~ ~_ ~ ~1Cl:In 01' A ITlIDBIlT'I BCORD ifILL NOT 811 "''''BD~ I [fV~l.nJ II' LOAIf PA1rIIIDl'r' TO ftI: COLI.108 lUUI XII lUIIl8AU 0.. :r., D8I'AULT. 0 . DAft I \~li:'1i"I.: ,J,HI .] DICJtINSON COLLBOB U O~.Q)-"tl\l BY OJ",. ::r J#4 t i ;' ,. ~., ..'., .., ,'-1 JC ~,}lllJO ,~.;I '4;,.. ~l ~. " << , . 7, On or about February 9, 1994, Studunt executed the Second Contract as R co-signer, thereby agreeing to repay all amounts due on the loan if Parents del/lUlted in accordllnce with the terms of the Contract, See Exhibit 13, 8, On or IIbout October 5, 1994, PlIrents cntered into IIn E(lucational Goods llnd Services Retail Installment Contract ("Third Contract") for expenses incurred for goods and services to be provided IInd rendered to their daughter Shannon Oril11l11 by Dickinson during the 1994.95 aClldemlc year. A true and correct copy of the contract Is incorpol'llted by reference and IItlllchcd as Exhibit "C", 9. On 01' about October 5, 1994, Studcnt executed the Third Contl'llct as a co-signer, thereby agreeing to repay all amounts due on the loan if Parents defaulted in accordance with the terms of the Contrllct. See Exhibit C, 10, On or about February 20,1995, Defendants entered into an Educational Goods and Services Retail Installment Contract ("Fourth Contract") for expenses incurred for goods and services to .be provided IInd rendered to their daughter Shannon Grimm by Dickinson during the 1994.95 academ ic yellr, A true IInd correct copy of the contract is incorporatod by reference and attachcd as Exhibit "D", II. On 01' about February 20, 1995, Student executed the Fourth Contract as II co-signer, thereby agreeing to repay all amounts due on the loan if Parents defllulted in accordance with the terms of the Contract, See Exhibit D, 12, On or IIbout March 7, 1996, Parents entered into an Educational Goods and Services Retaillnstallmcnt Contract ("Fifth Contract") for expenses incurred for goods and services to be provided and rendered to their daughter Shannon Grimm by Dickinson during the 1995-1)6 academic yellr, A true and correct copy of the contract is Incorporatcd by reference and attached as Exhibit "E". TW(1 Thousund Dollars ($2,000,00) with Intcrcslul the Inlt!ul rute of clght point twcnty fivc pcrcent (8,25%) pCI' IlI1nUm, In one hundrcd lwcuty two (122) cquul monthly inslulhncnts of'l\vcnty Four Dollars and Twenly"Seven Ccnts ($24,27) commencing un Februury 28, 1995, 19, Und<H' the terms uflhc Flllh Conlrucl, I'arcnts, us "Buyer" ngreed to pay Dickinson Four Thousand Dollars ($4,000,00) with IntercsI at the Initial rntc oftcn perccnt (10,00%) per lIIlnum, In one hundred ten (110) equal monthly installmcnts of Fifty Five Dollars and Sixty-Eight Cents ($55,68) commencing on April 28, 1996 20, Section /I of the Conlract(s) provides that "lfa payment is more than 15 days late, a sum equivalent to 5% ofthc late puyment (but no more than $2,50 and not less than $1,00) may be charged," 21. Section VI, Parngraph 3(a) of the Contract(s) provides thaI "Buyer shall be deemed to have committed an 'Event of Defuult' of the Contracts uponlhe occurrence of any of the following: (a) failure to make any payment on or before the dule it is due,.,," 22, Section VI, Paragraph 4 of the Contract(s) provides thai ifan Event of Default of the contract occnrs, and Is not cured by the Buyer pursuant to the Notice of Default, Dickinson has "the right to declarc all sums due on the contracllo be immediately due and payable." 23, Parents defaulted on the Contract(s) by failing to make the required monthly payments on the Contract(s) due and owing to Dickinson since July 31, 1996, 24, Notices were forwarded to Parents informing them of their default and right to cure such default, 25, Parents have failed to cure such defaults. ,~- - ( (' ., . DIQ<I~ rn J ~ FtEXIBLE FINANClMi Sil:IU:JI - ~ PLAN m.K:ATIONM. OOOOS AND SERVlCEB Rln'AIL INS'l'ALIJ4'.OO' ~ Date August 27, 1992 I. Seller: Dickinson College, Carlillle. Pennsylvania 17013 ~er(8) I Robert W. and Susan B. Grirrm 76 Mason Avenue Babylon. NY 11702 If there is JDOre than one aJyer, each of yoo will be obligated. jointly ard severally, for all eI\.lIIll!l due am for the perfol1llanCe of all agreements as provided in thi8 Contract. lJrder the terms of this ahIcational Goods ard Services Retail lnetalllllent c'-atract, you have agreed to pay the expenees incurred tor goods ani services to be provided am rerdered, as the case may be. to _ Shannon Grimm (hereinafter "Student") dur1ng hilil/her enrollment at Dickinson College durin] the 1992-93 academic yeal', includirg tuition. r'OOl!l am board, books ard suppliOll as herein stated (hereinafter the "Goods and Services"). The Goods am. Services shall incll.K1e only tuition, room am hoard. II. 'IEM3 OF PAYMFm' AND PAYMEm' SOIIDJLE Disclosures Required by Federal law ANWAL PmCEN:l'AGE FINANCE ~I AKXJNT FIIW<<:EDI TOTAL OF PAYMENI'SI TOTAL SM.E RATE: Dollar Amount Amount of credit Amount paid by PRICE: ~ of credit all creeli twill provided. by I1lyer as total of Total cost of yearly rate cost I1lyer Dickinson College all scheduled purchue ca payments credit, in- cludil'YJ down Prtor to repay- pIlyment ot IDIntl11 nn lIS 17,360,00 . bJri~ rery- .21.360,00 mentl 1.0 lIS tJ,251.95 . 4,000.00 $ 7.251.95 ~ . ( r ., '" . . l).Iy....r's payment F.lChMUle will be as follow I NUllIber 01' Payments Amolll'lt of Payments Wh"n Payments are lXIe lIIOnthlx commenoing 9/28/92 ,aM contiB.lirq until 4/28/96 or suoh tilDe as Student i8 no longer enrolled at Diokinson (or il'1 an approved full-tilDe ot't-campus pr<lgl &4 of studios), whichever is earlier, 45 $36.67 72 $76.14 lIIOnthly cOIIlIIlenoing 5/28/96 or such time as Student is no 10r'qer enrolled at Dickinson (or in an approved full-tilDl oft--caJDpUS program of studies). whichever i8 earlier. l.>lt-.. ch,,,rge: If,~ pdyment is lIIOre t.han 15 d4ya lat~:. a 8UID equivalent to 5% of' the late payment (tot no lIIOr'e t.han $2,50 ard not less than $1.00) may be oharg'ed.. Fl'~I,>'yment: fuyer may prepdy the unpold balanoe of the 1\mount Financed am any FINANCE CHARGE dua through the date of early pt\yrnent. in full or in part, without penalty. :::F;F; :)'EI:r.[i)N VI OF THE O)N'l'R1Ier BELOW FUR ANY ADDITIONAL INFORM1\TION AIU1I' t()N-pA'iMEN'l', DEf'AI/LT ANJ) RmUIREIJ REPAYMENT' BErom; TIre SCHEIlULED DATE FUR REPA'x'MENr OF nIE AIOJNJ.' I-' lNANCED. I I I . ITEMIZATION OF A/otJUN'r FINANCIID I. C.:.sh price of IJo<xIs arxi Sel"'dces: $ .11.360.00 17,360.00 4.000.00 - "", Total down pt\yment: 3. (Jnp.~id oo.lance 01' cash price (1 - 2) : 4 . ~.mount pa Id to others on aWer' s beha If : o 4.000.00 5. AInount Fin/meed (3 + 4): $ - IV. CREDIT INSURANcE Credit life insurance for the term of this Contraot is not required, V, 00 WARRAtrrIES lliERE ARE NO WARRANTIES, EI'IliER EXPRESSED OR IMPLIl:D. 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'tfI4(\ 'fP -0- t. te'.-. ~\e ~ ~\~ ~-ce _~~o'l. t'l.O ~o,je \~tJI'l'I:\~ ~ \a'" 6. ot ~..-e ~ ~e \P'..:JJ. tP ..-ce- ;c ~\ t~ ,..vr ot I(X\ 'gfl ~ ettfP" ~~o;~~ "ftl _.M ~,J^&\\ t\).\\i ~t\'C.' \&~ t Ilo'" cf;\ ..:..a\t\ ~-1-~'t.~\ dC 1. t~;~\.. 1"""" \ ~~\.c \~"" o~'e~'(.~' ~ 'rtI..... \~f'I, e. ~e'f\:'et\'l. ~ ~ , r (' . '. . . 9. 00NmIT '10 JURISDlcrION. VEHJE AND SERVICE I The parties to this AgreelD8nt consent ard IlJY" tMt all legal proceediJ'V,Jl!l relating to the IlUbject utter hereof shall be uintllined in the CGort ot CaDman Pleas of OJIDberlam County. Penrwylvania, or, it applicable. the United states Dist.rict Coort ot the Middle District of PelTlllYlvania. al'd all parti_ hereto cOlWtnt &rd agree that juril!ld.iction am verue for IUch ~oc,""ings shall lie exclusively within lIaid con. Service of ~0C88fJ in any euch proceeding may be lDllde by certitied ,ilia! 1. return receipt requested. directed to the respectiw party at the addren set forth /lbove. 10. nlis Contract shall be bin:1irq upon the parties hereto. their heirs. SUCCe8llOl"ll, a.seigns am legal representativol!j. 11, TIME IS ce 11iE EBSm::E OF nus OOtlI'RACT. tmICEI mt It:.'Il>m OF nns CONSUMER CREDIT <XlN'mACT IS SUBJEX:I' TO AIL CLAIM3 AND D!HNSEB WHICH 11iE ~ COOlJ) kl;:J.t.I(1 MAINSI' 'lliE SEl.I..m OF GOCt6 CoR SERV1CE3 OBl'AINm PURSUANl' tm:l'O CR III'llf 11iE ~ HEmX>F, Rm:lVm{ HEm1JNOm JJi '1lfE DEBl'OR EIWL oor EXCEED N<<xJNrs PAID 'fN 11iE UJ:a:lllA< HEm1JNDER. tmICE TO BriERI (1) 00 OOT SIGN THIS AGREEJoID(I' !:Itl'\JIo(t; YCJJ READ IT OR IF IT OONl'AItS AN'{ B.ANK SPACE. (2) YCJJ ARE ENI'I1UD TO A CX>>4PLEI'ELY FIU.ED-IN 0P'i OF 'llfIS MRm4EN1'. (3) UNDm ntE lAW, YOO HAVE THE RIGtfi'TO PAY OFF IN ADVANCE '1lfE FUlL l\M:mIT WE AND UNDm camIN roNDITIONS TO OBrAIN A PARTIAL REruND OF '1lfE FINANCE CHARGE. B.JYm(S) AO<OOWLEroE(S) RErEIVI A CCfoIPLEI'ED CJ:PI. OF 'llfIS comRACT AND ItmW(S) TO BE T ~AILY ITS I AGREE TO REFAY AIL AMJtJtm3 DUE ON nilS !.DAN IF '1lIE: ~(S)/OOYER(S) FAIlS TO 00 '" IN """""'" wrm. nIB ",.., '" ~ ~, SI\lDENl' <nJIGNm )A ot2. - ..... .......... .... ........ -"""'-' .I TRANSCRIPT OF A STUDENT'S RECORD WILL NOT BE RELEASED IF LOAN PAYMENTS TO THE COLLEGE ARE IN ARREARS OR DEFAULT. DAm I Dla<INOON 00u.mE g~L 'fN ~ 4 (, r DXCIXM.OM COLL.GI rLEXXBLI rXNANCING 8Y8TIN _ PLAN I IDOCA'l'XOMAL GOOD. AND 81RVXCI8 RETAIL XN8TALLHINT CONTRlOT Date _ Febru~, 1994 I. .eller, Dickinlon COlli'll, Clrlhll, Pennlylvania 17013-2895 Robert W. and Susan B. Grimm - 76 Mason Avenue BabYlon, NY 11702 \ , luyer(I' , If there i. more than one Buyer, each at you will be obliqated, jointly and .everally, tor all eume due and tor the pnformance at all l'lreementa a.. provided in thi. Contract. Under the term. at thi. Educational Good. and Service. Retail Inltallment Contract, you ~ave agr.ed to PlY the expenlel incurred for 'loode and .ervice. to be provid.d and renderld, a. the caae mal' b., to Sban",," r."imm (heninatter "StUdent") durinq hi./her enrollmont It liTiikinloncoUe9it during ~ academic Ylar, includin'l tUition, room Ind board, booke and .uppUe. II herein .ta~ (hereinafter the "Gooda end SerVice."). The Goodl and Servioe. Ihall include only tUition, room and board. - II. TERMS OF PAYMENT ANU PAYMENT SCHEDULE DilCloDurl1 Requirld by Federal Law ANNUAL P!RCENTAGE FINANCE CIlARGE. AMOUNT FINANCED I TOTAL OF PAYMENTS, TOTAL SALII: RATE'. Dollar amount Amount ot credit Amount paid by PRICE I COlt at credit a. credit will provided by Duyer al total at Total OOlt ot yearly rate COlt Buyer Dickinlon Colle'le all Icheduled purch..e on payment. credit, in- clUding down payment at $18.890,00 7.00 , $.1.669.28 $ 3.700.00 $ 5.369.28 $ 22.590.90 -- Rev 2/92 ( ( IV. CREDIT INSURANCE Credit lit.e in.uranc. tor the t.rm ot thl. Contract i. not required. V. NO WARRANTIES THIRI Ani NO WARRANTIES, EITHER EXPRESSED OR IMPLIED, OIVEN BY SILLXR IN CONNECTION WITH SALE or THE OOODS AND SERVICES COVERED BY THIS CONTRACT UNLESS BUYER HAS BEEN OIVlN A SIPARATE WRITTEN WARRANTY. VI. ADDITIONAL PROVISIONS Buy.r agre.. to pay S.ll.r the Total Sale Pric. by making the total down payment and paying S.ll.r the Total of paym.nt. in the numb.r and amount of monthly payment. .hown in the Payment Sch.dule. Payment. are due on or before the .ame date of each month a. the fir.t payment dat.. paym.nt. mu.t be made to rir.t Wachovia, Inc. at the following .ddr..., Fir.t Wachovia, Inc. P.O. Box 70095 Charlott., NC 28272-0095 2. Buy.r'. legal right. includ. the right to p.y .11 or p.rt of the amount. due on thi. Contr.ct in .dv.nce of th.ir due d.t.., to obt.in a r.fund or credit of un..rn.d rinance Ch.rg. wh.n.ver the amount i. p.id in full in .dv.nce, and (with S.ll.r'. con..nt) to r.in.t.t. the Contract if Buy.r timely cur.. any d.fault. 1. 3. Buyer .hall b. d..m.d to hue committ.d .n "Event of Default" of the Contract upon the occurrence of .ny of the following, I.) f.ilur. to m.k. .ny p.ym.nt on or b.for. the d.te it i. due, (b) failure to m.k. . payment on .ny oth.r Contract outstanding with S.ller, (c) failure to perform .ny other provi.ion of the Contr.ct, (d) providing Sell.r with f.l.. inform.tion or .ignatur.., (.) d.ath, incomp.tence, or conviction of .ny Buy.r of crime involving fraud or diahone.ty, (f) in.olvency or bankruptcy of any Buyer. 4. Upon or .ft.r the occurr.nc. of any Ev.nt of D.fault, S.ll.r will provide Buyer with notic., by c.rtifi.d m.il .. r.quir.d by l.w, .ddr....d to Buyer'. la.t known addre.. ae ehown on Sell.r'. r.cords, .dvising Buy.r of the def.ult and of Buy.r'. right to cure the d.fault. Th. notic. will provide the time, amount and performance n.c....ry to cur. the d.f.ult. If Buy.r doe. not cur. the d.fault e. provid.d in the notice, S.ll.r'. right. .h.ll include the dght to declare all .um. due on the Contr.ct to be imm.di.tely due .nd pay.bl.. Th. Buyer .gr... to p.y .11 attorney'e f... .nd other r.a.on.ble collection co.t. .nd ch.rg.. n.c....ry for the collection of .ny .mount not p.id when du.. 5. Waiver by S.ll.r of .ny Event of Default sh.ll not be binding upon Sell.r if Sell.r .hould thereaft.r choos. to .xerciRe th.t or .ny oth.r right or . .imilar Ev.nt of D.f.ult occur. l.t.r. All Seller'. right. .nd r.m.die. .hall b. cumulativ.. S.ll.I". .xerci.e of one or more right. .h.ll not c.u.. S.ll.r to lo.e .ny oth.r right.. 6. Thi. Cont~.ct ie fre.ly .e.ign.blo by Sell.r. Buy.r .gr... th.t upon r.c.iving notice of the ...ignment Buyer .hall be oblig.ted to the A..ign.. of thi. Contract, which A..ign.e .h.ll h.v. .11 of S.ller'. right and r.m.die.. 7. If any p.rt of thi. Contr.ct i. held to be ill.gal, void or unenforceabl., that provi.ion .hall be d..m.d not to I.av. been a p.rt of thi. Contract, which .hall oth.rwi.e r.main fully eff.ctiv.. 8. APPLICABLE LAW, ~hi. Agr..m.nt, wh.n.v.r called upon to b. con.t~ued, ahall be' govern.d by the dom..tic int.rnal law. of .th. Commonw.alth of P.nn.ylvania exc.pt to the extent .uppl.m.nted, .upers.d.d or pr.empt.d by t.d.ral law. 3 ( ( DICKINSON COLLEGE FLEXIBLE PINANCING SYSTEM - PLAN B IIDIJCATIONAL GOODS AND SERVICES RETAIL INST.a'.'.MIl!ti'l' CONTRACT October 3, H94 I, Seller, BUyer (a) , DiOkinaon College, Carlisle, Pennaylvania 17013-2816 Robert W. , Susan B. Grimm 76 Muon Ave, Babylon ~y 11702 It there ia more than one Buyer, each ot you will be obligated, jointly and aeverally, tor all aum. due and tor the pertormance ot all agreements a. provided in thi. Contract. Under the terma ot thi. Educational Gooda and Services Retail Installment Contract, you have agreed to pay the expense. incurred tor goods and .ervice. to be provided and rendered, u the caae may be, to Shannon Grimm (hereinatter 'Student") during hia/her enrollment at Dickinaon College during the 1994-1995 academic year, inclUding tuition, room and board, book. and .upplies aa herein stated (hereinatter the 'Goods and Servicea'). The Gooda uld aervicss shall include only tuition, room and board. II. TERMS OF PAYMENT AND PAYMENT SCHEDULE Disclolures Required by Federal Law ANNUAL PERCENTAGE FINANCE CHARGE I AMOUNT FINANCED. TOTAL OF TOTAL SALE P RATE:' · Dollar lUIIount Amount ot credit PAYMENTS, PRICE, Cost ot credit as credit will provided by Amount paid by Total coat ot yearly rate COlt buyer Dickinson College Buyer as total ot purchaae on all scheduled credit, inclUding payments down payment ot $ 15,700.00 8.25 " $ 4,055.04 $ 8,000.00 $ 12,055.04 $ 23,700.00 Rev 2/92 NUmb.r ot P.ym.nt. 128 .V.riabl. Rat., Late Charge, Pr.p.ym.nt, ,. ,.. . ( Rob.rt W, , su.an B. Buy.r'. payment schedule will b. a. tollow.. Amount ot Payments Wh.n P.yment. .r. Du. Monthly commencing 10/28/94 until OS/28/05 $ 94.18 Th. ANNUAL PERCENTAGE RATE disclo.ed above i. a variable r.t. and may chang.. Th. ANNUAL PERCENTAGE RATE Ill.y incr.... during the t.n1 ot this tran.action it the prime rate ~t inter.st announced in the W.ll Str..t Journ.l .. ot the clo.e ot bu. in... on Jun. 30 ot ..ch cal.nd.r y..r incr...... and will be increa..d to the prim. rat. plus 1', Th. ANNUAL PERCENTAGE RATE will not incr.a.. more than once a year. and the new inter..t r.t. will b.come .ttectiv. on July 1 tollowing the incr..... it any. in the prima r.t. ot int.r..t. Any incr.... will b. in the torm ot higher payment amounts, It your co.t ot the Good. and Servic.. sold her.under were $8.000.00 at 8.25' per annum tor 129 month.. and the prime rate plus 1. were increased to 9.25'. your regular monthly payments would increase to $98.55. Further, the ANNUAL PERCENTAGE RATE will not increa.e to more than 18' ~r .uch other ret. as may be permitted under tho Pennsylvania Good. and Servic.. In.tallment Sale. Act. It a payment is more than 15 days late. a sum equivalent to 5. ot the late payment (but no more than $2.50 and not less than $1.00) may be charged. Buyer may prepllY the unpaId balance ot the Amount Financed and any FINANCE CHARGE due through the date ot early payment, in tull or ill part, without penalty. SEE SECTION VI OF THE CONTRACT BELOW FOR ANY ADDITIONAl. INFORMATION ABOUT NON-PAYMENT. DE}'AOLT AND REQUIRED REPAYMENT BEFORE THE SCHEDULED DATE FOR REPAYMENT OF THE AMOUNT FINANCED. III. ITEMIZATION OF AMOUNT FINANCED 1. Cash price ot Goods and Servi ces , $ 23.700,00 2. Total down payment, 15,700.00 3, Unpaid balance ot cash pricQ (1 - 2), 8,000.00 4, llmount p.id to others on Buyer'S behalt. - 0 - 5, Amount Financ.d (3 + 4), $ 8,000.00 2 (. r IV. CREDIT INSURANCE Cr.dit lif. in.uranc. for eh. t.rm cf thi. Contr.ot i. not r.quir.d. V. NO NAaRANTIES THIU MIl NO NARRANTIBS, BITHER EXPRESSED OR IMPLIED, OIWN BY SILUR IN CONJflCTION WITH SALII or THI GOODS AND SERVICES COWRlD BY THIS CONTlUI.CT UNLBSS 8UYIR HU 811N aIWN A SIPARA'l'I WRI'1"l'IN WARRANTY. VI. ADDITIONAL PROVISIONS 1. Buy.r .;r... to p.y S.ll.r the Tot.l S.l. Prio. by m.king the tot.l down p.yment and p.yin; sell.r the Tot.l of P.~nent. in the number .nd amount of monthly p.ymente .hown in the P.yment Schedul.. p.yment. .r. due on or before the .... d.t. of .aoh month a. the tir.t p.yment dat.. P.yment. mu.t be mad. to Idu..rv Technolo;i.., Ino. .t the following Mddre..1 Bdu..rv Teohnologie., Ino. P.O. Box 64974 St. P.ul, MN 55164-0974 BUrer'. l.g.l ri;hta inolud. the ~i;ht to p.y .11 or part of the amount. due on th . Contraot in adv.noe of their due d.taa, to obtain . retund or or.dit of un..rn.d rin.nc. Ch.rg. when.ver the amount io p.id in tull in adv.no., .nd (with Sell.r'. oon.ent) to r.in.t.te the Contr.ct if Buy.r timely our.. any def.ult. 2. 3. Buy.r .h.ll be de.mad to h.v. oommitted .n "Event of Default" of the Contr.ot upon the ooourreno. of .ny of the tollowingl (.) f.ilure to make .ny p.ym.nt on or betore the d.te it i. du., (b) f.ilur. to m.k. . p.yment on .ny oth.r Contr.ct outet.ndin; with Sell.r, (c) f.ilur. to pertorm any other proviaion of the Contr.ct, (d) providing s.ller with f.l.. intormation or .i;nature., (.) de.th, inoompetenc., or oonviotion of any Buy.r of crime involving fraud or dbhone.ty, (t) in.olvenoy or b.nkruptoy at .ny Buy.r. 4. Upon or .tter the oocurr.nc. ot .ny Ev.nt of Default, Sell.r will provide Buy.r with notio., by o.rtifi.d m.il a. required by l.w, addr....d to Buy.r'. l..t known addr... .. .hown on S.ll.r'. r.cord., advi.ing Buy.r ot the d.tault .nd of Buy.r'. ri;ht to cur. the default. The notic. will provide th.time, amount .nd perform.no. n.c....ry to Cur. the detault. It Buyer do.. not cure the d.t.ult .. provid.d in the notio., S.ll.r'. right. .hall includ. the right to d.ol.r. .11 .um. due on the Contraot to be imm.diately due .nd payabl.. The Buy.r agre.. to p.y .11 .ttorn.y'a fe.. and other re.aonable collection co.ta .nd ch.rg.. n.c....ry tor the collection ot .ny amount not paid when due. 5. N.iv.r by S.ller of .ny Event of Dat.ult ahall not be binding upon S.ll.r if seller .hould th.re.tt.r choo.. to ex.rci.e th.t or .ny oth.r right or . .Lmil.r Ev.nt of Def.ult oocur. l.ter. All S.ll.r'. righta and r.m.di.. .hall b. cumul.tiv.. S.ll.r'. .x.rci.. of one or mora right. .hall not o.u.e S.ller to 10.. any other ri;ht.. 6. Thi. Contr.ot i. tre.ly a..ignabl. by Sell.r. Buyer a;r... th.t upon r.c.iving notio. ot the ...ignm.nt Buy.r .hall be obligated to the A..i;n.. of thi. Contr.ct, which A..i;ne. .h.ll h.v. allot Seller'. right and remedi... 7. It .ny p.rt of thi. Contract i. h.ld to be illeg.l, void or unenforoe.bl., that proviaion .h.ll bB d.emad not to h.ve be.n . part ot thi. Contr.ct, whioh .h.ll othe~i.. rem.in tully effective. 8. APPLICABLE LAW I Thi. A;r.ement, whenever called upon to be oon.trued, .hall be governed by the dome.tic intern.l l.w. of the Commonwe.lth of Pennaylv.ni. exoept to the ext.nt luppl.m.nted, .uper..ded or preempted by ted.r.l law. 3 ( ( 9, poNS.NT TO JURISDICTION, VENPE AND SERVICE, The partie. to thi. Agreement aan.ent .nd .gree that all legal proce.ding. relating to the .ubject matt.r h.r.ot .hall be maintain.d in the Court at Common Pl.a. at Cumberland County, penn.ylvania, or, it applicable, the United State. Di.triat Court ot the Middl. Di.triat at penn.ylvania, and all partie. hereto con.ent and agr.. th.t juri.diction and venue tor .uoh proceeding. .hall lie exclu.ively within .aid court, serviae at proa... in any .uch proc.eding may b. made by oertitied mail, raturn reoeipt requ..tad, direated to the re.peative party at the addre.. .at forth above. Thia Contraot .hall be binding upon the partia. hereto, their heir., .ucce..or., a..i9n. and legal repr..entat.ive.. TIId IS or TIIK ISSENeB or THIS CONTRACT. 10. 11. NOTICIII AHY HOLDER 0' THIS CONSUHIlR CREDIT CONTRACT IS sUIlJEC'r TO ALL CLAIMS AIfl) DEPlNS.. WHICH THE DIBTOR COULD ASSERT AGAINST THE SELLER or GOODS OR SERVICES OBTAINED PURSUANT DUW OR WITH THE PROCEEDS HERlOr. RIIlCOVERY HEREUNDER BY THE DIBTOR SHALL NOT 1XC'I8D AMOUNTS PAID BY THE DEBTOR HEREUNDER. NOTICI TO BllYER. (11 00 NOT SIGN THIS AGREEMENT BErORE YOU REAJ) IT OR IF IT CONTAINS AHY BLl\NIt SPACB. (2) YOU ARB ENTITLED TO A COMPLETELY FILLED-IN COPY or THIS MREIIdNT. (31 UNDER 't1lB: LAW, YOU HAVE THE RIGHT TO PAY orr IN l\OVAMCE THlll rULI. AMOUNT DUE A1III UNDER CERTAIN CONDITIONS TO OBTAIN A PARTIAL RnUND or THE I'INANCB CHARGE. BUUR (S) ACIlNOWLEOOE (S 1 TO BB LEGALLY BOUND BUYER(SI I copy or THIS CONTRACT AND INTEND(SI "YJIVrYV I MUE TO REPAY ALL AMOUNTS DUB ON THIS LOAN II' TilE BORROWER(SI/BUYER(S) rAILS .TO 00 SO IN ACCORDANCE WITH. THE TERMS or THE N~ . STUDENT COSIGN1iR .}MAI. A'L4n1 ~.- ~ICRIPT 01' A S'J!UI)INT'I RECORD WILL NOT .. Itm.BAIIID II' LOAN PAYIIBIlTB !OO 'I'IIE COLLBGB ARB IN IUUID.JlI OR DBI'AULT. DATE I DICKINSON COLLBGE lo-s-e;<( ~~ BY 4 'i \ t I I . :) ~; I !~ r . \f: i \,. '. .,~;i' '!'fi~,!, I o @ I i I I t ~ I I I j ~.' r j I \ I I ~ I I ( ( "t .. DloaI.IO. OOLLBGI 'LIXIBLI rIKlKOIIG IVITIM _ .~ . IDUCATtODL GOODI AND llUtVIOII ItITAIL IIIITALLIIDIT OOIl'1'llAC'l' Fabruary 17, 1995 I, SaUn I Dickin.on Co11aga, Carli.la, pann.ylvania 17013-2896 Robart W. and Su.an B. Grimm 76 Ma.on Avanua Babylon, NY 11702 IlIyar(a), It thara i. mora than ona Suyar, aach of you will ba ob1igatad, jointly and .avara11y, tor all .uma dua and tor tha p'rtormanca ot all agra~nt. aa providad in thia Contract. Undar tho t.rma ot thi. Iduoational Good. and Sarvic.. Ratai1 Inata11ment Contract, you hava agraad to pay tha aXp'n.a. incurrad tor goode and aarvica. to ba providad and randarad,'a. tha eaaa may ba, to Shannon Grimm (harainattar "Studant") during hi./her anro11ment at Dickin.on Col1aga during tha 1994-1995 acadamic year, including tuition, room and board, booka and .upp1iaa a. harain atatad (harainattar tha "Good. and sarvicaa"). ' , Tha Qooda and Sltrvieaa .hall incl.uda only tuit.ton, room and board. I I . TIRMS OF PAYMJl:NT ANDPAYHlINT SCMJl:DULI Diaclo.urea Raquirad by Fadara1 Law ANNUAL PIRClNTAGI FINANCI CHARGII AMOUNT FINANCED I TOTAL OF TOTAL SALI: P RATI'. Dollar amount Amount of cradit PAYMJl:NTS, PRICI, Coat ot cradit a. eradit will providad by Amount paid by Total coat of yaarly rata co.t buyar Dickin.on Co11aga Buyer aa total of purcha.a on all .ch.du1ed cradit, including payment a down payment of . $ 21,700.00 8.25 , $ 960.94 $ 2,000.00 $ 2,960.94 $ 23,700.00 Rav 2/92 ( Th. ANNUAL PIRCINTAGI RATE di.clo.ed above i. a v.ri.b1. r.t. and may ohanv-. Th. ANNUAL PlI:RCINTAGI RATJI m.y inore... dudn9 the t.rm of thil tr.n..otion if the prtm. rat. of int.r..t .nnouno.d in the W.11 str..t JQurDl1 a. of tha 010.. of bu.in... on Jun. 30 of ..oh o.l.nd.r y..r inor....., .nd-will be inor....d to the prima rat. plu. 1'. The ANNUAL PIRClNTAGI RAT! will not inor.a.. mora than onoe a y..r, .nd the new int.r..t rat. will beo~ .ff.otiv. on July 1 followin9 the inor...., if any, in the pr1ma rat. of intar..t. Any inor.... will b. in the form of hi9h.r p.yment amount.. If your oo.t of the Good. .nd S.rvio.. .old har.und.r w.r. '2,000,00 at 8.25' per annum for 122 month. and the prime r.t. plu. l' w.r. inor...ed to 9.25', your rl9Ular monthly p.yment. would inor.... to '25.35. rurth.~, the ANNUAL PIRClNTAGI RAT! will not inor.... to more th.n 18' or .uch oth.r r.t. a. may b. permitt.d und.r the p.nn.ylv.nia Good. .nd S.rvio.. In.tallment S.l.. Act. If . paym.nt i. more than 15 d.ye lat., . .um .quiv.l.nt to 5' of the l.t. p.yment (but no mora th.n $2.50 .nd not 1... than '1.00) may b. ohar9.d. Buy.r m.y pr.pay the unpaid b.lano. ot the Amount rin.noed and any rINANC& CHARGE due through the data of .arly paym.nt, in full or in .rt, without penalty. SIB SIOTION VI or THI CONTRACT BILOW FOR ANr ADDITIONAL INFORMATION ABOUT NON-PAYKlNT, DIFAULT AND R!QUIIUiD RlPAYKlN'l' BEFOR! THE SCHEDULED DATE FOR REPAYKlNT OF THB AMOUNT rINANCID. Numb.rof Payment. 122 *V.dabl. Ratilll Lat. Char911 Pr.p.ymentl ., (" 'r Buy.r" payment lohedul. will b. .. follow., Amount of Payment I "h.n Payment. are Du. , 24.27 Monthly 0lmnenoin9 02/28/95 until OS/28/05 III. ITEMIZATION OF AMOUNT FINANCID 1. Ca.h pdoe of Good. and S.rvio'll $ 23,700.00 2. Total down p.ym.ntl 21,700.00 3. Unpaid bal.noa of ouh prio. (1 - 2) I 2,000.00 4. Amount paid to oth.rl on Buy.r'l b.half I - 0 - S. Amount rin.nc.d (3 + 4)1 , 2,000,00 2 '.' .':, ' (' IV. CREDIT INSURANCI C~.dit life in.ur.nc. for the t.rm of thi. Cont~.ot i. not r.quir.d. V. NO IfARlWfTll1 THlIRI ARI If() lfARlUUlTIII, IITHKR IXPlUISRID OR IULIID, OlVlIII BY IIUIR III OOIllfllCTlOII WITH IAIdI OJ' THI GOODI lUlD IIRVlCl1 COVlRllD BY THIll CONTRACT UNLII8 IUYIR HAl IIIN OIVIIN A IIPAIU\TI IIRITTlN lflUUWfTY. 1. VI. ADDITIONAL PROVIIIONI luy.r agr... to pay I.ll.r the Tot.l 1.1. P~ic. by m.king the tot.l down p.yment .nd p.ying I.ll.~ the Tot.l of P.yment. in the numb.r .nd amount of ~nthly p.yment. .hown in the P.yment Sch.dul.. P.yment. .~. due on or b.fo~. the .... d.t. of ..ch IllOlIth .. the tint p.ym.nt d.t.. P.ymenta Illu.t be IlIAd. \:0 Idu..rv T.ohnologi.., Ino. .t the following .ddr..., Idu..rv T.ohnologi.., Inc. P.O. lox 64974 St. P.ul, NN 55164-0974 luy.r'. leg.l right. includ. thl right to p.y all or p.rt of the amount. due on thi. Contr.ct in .dvanc. of th.ir due d.t.., to abt.in . r.fund or cr.dit of un.arn.d rin.no. Ch.rg. wh.n.ve... the amount 11 p.id in full in .dvanc., .nd (with Sell.r'. con..nt) to r~in.t.te the Contr.ct if luyer timely cur.. .ny d'fault. 2. 3. Buy.r .hall b. deem.d to h.vI cOlll1litted .n "Ivent of Def.ult" of the Contr.ct upon the ooourr.no. of .ny of th. following 1 (.) f.ilur. to m.k. any p.yment on or before the date it i. du., (b) f.ilure to make a p.yment on .ny oth.r Contr.ct out.t.nding with S.ll.r, (c) f.ilure to perform any other provi.ion of the Contr.ct, (d) provi~ing S.ll.r with f.l.. inform.tion or eign.tur.., (.) d..th, incompet.no., or oonviction of any Buy.r of crime involving fr.Ud or dilhon..ty, (f) in.olv.ncy or b.nkruptoy cf any Buy.r. 4. Upon or aft.r the ooourr.no. of any IVlnt of D.f.ult, S.ll.r will provide Buy.r with notio., by c.rtiti.d lllAil .. r.quir'd by 1.101, .ddr....d to Buy.r'. l..t known .ddr... .. .hown on S.l,ler'. r.cord., .dvi.ing luy.r at the d.t.ult .nd ot Buyer" right to oure the d.f.ult. Th. notio. will providl the time, amount and pertorm.no. n.c....ry to our. tha d.tault. If Buy.r do.. not cur. the d.t.ult a. provid.d in the notic., S.ll.r'. right. .hall includ. the right to dlclar. .11 .um. due on the Contr.ct to bl illl1l.di.t.ly dUI .nd p.yabl.. Th. Suy.r .gr... to p.y all .ttorn.y'. f... and oth.r r...on.bl. ooll.ction co.t. and charg.. n.c....~y for the coll.ction at any amount not paid wh.n du.. 5. W.iv.r by S.lllr of .ny Event of D.f.ult .h.ll not ba binding upon S.ll.r it S.ll.r .hould th.r.att.r ohoo.. to .x.rci.. th.t or any oth.r right or . .imil.r Ev.nt ot D.t.ult occun l.t.r, All Slllar'. right. .nd rllnldi.. .hall b. cumul.tiv.. s.ll.r'. ax.rci.. of an. or mol." right. .h.ll not c.u.. S.ll.r to lo.e any oth.r right~. 6. Thi. Contract 1. tr..ly ...ign.ble by S.ll.r. Buy.r .gr... that upon r.c.iving notio. of the ...ignment Buy.r .h.ll b. obligat.d to the A..igne. of thia Contract, whioh A.aign.. .h.ll have .11 of R.ller'. right .nd r.medi... 7. 8. If .ny part ot thi. Contract i. h.ld to be ill.g.l, void or un.ntoro.abl., th.t provi.ion ah.ll b. d.amad not to h.ve b.en . p.rt ot thi. Contr.ct, which .h.ll oth.rwi.e ~em.in tully effeotive. APPLlCABLI LAW, Thi. Agr'llnInt, when.ver o.ll.d upon to be oon.trued, .h.11 b. gov.~n.d by the dam..tic int.rn.l 1.101. ot the Commonw..lth Of p.nn.ylv.ni. .xc.pt to the .xt.nt .upplem.nt.d, .uper.eded or pr..mpt'd by f.der.l 1.101. 3 f': ( :tCI." \ '1lI'JW DICKINSON COLLEGE FLEXIBLIl FINANCING SYSTEM - PLAN B . EDUCATIONAL GOODS AND SERVICES RETAIL INSTALLMENT CONTRACT Maroh 7, 1996 I. leller. Diokin.on ~ollege, Carliele, pann.ylvania 17013-2896 Buyer(el' Robert , Su..n Grimm 76 Ma.on Ave. Babylon, NX 11702 It there i. more than one Buyer, each at you will be obligated, jointly and .everally, tor all .um. dua and tor the pertormance ot all agr.ement. a.provided in thi. Contract. Under the te&'llll ot thb Bducational Good. and Service. Retail In.tal1l1l8nt Contract, you have agreed to pay the expanH' incurred tor good. and .ervioe. to be provided and renderld, a. the cue may be, to Ihannon Grimm (hereinatter "Student") during hi./her enrollment at Dickin.on college during the 1995-1996 acad_io yeu, inoludin; tuition, room and board, book. and .uppUe. aa herein .tated (her.inatter the .Good. and Service."). The Good. and Service. .hall include only tuition, room and board. II. TERMS OF PAXMENT AND PAXMENT SCHEDULE Di.clo.ure. Required by Federal Law ANNUAL PBRCBNTAGB FINANCE CHARGE. AMOUNT FINANCED. TOTAL or TOTAL SALK RATEI. Dollar amount Amount at credit PAYMENTS. PRICS. COlt ot credit a. credit will provided by lImount paid by Total oo.t ot yearly rate co.t buyer Dickin.on Collegl Buyer a. total ot 5'\lrClha.e on III 'Clheduled cradit, inoluding paymentl down payment at , 16,370.00 10.00 , $2,124.80 $ 4,000.00 $ 6,124.80 $ 24,870.00 Rev 2/92 r r Buy.r'. payment achadul. will b. .. follow.. IC\lAlber of ..yment. Amount of Paymant. Wh.n ..yment. .r. Du. 110 S 55.60 Monthly cc_ncing 04/28/96 until OS/28/05 -V.dabl. R.t.. Th. ANNUAL .IROINTAOI RATE di.clo.ad above i. . variable rat. and ..y ch.ng.. The ANNUAL .IRCINTACI RATI m.y incr.... during the t.ra of thi. tr.n.action if the prima r.ta ot intar..t announced in the Wall Str.et Journal.. of the elo.. of bu. in... on Juna 30 of .ach c.l.ndar y.ar incr....., .nd will be incr...ad to the prime rat. pluM 1'. Th. ANNUAL PERClNTAOE RATS will not incr.... mora th.n ono. . y.ar, .nd the n.w int.r..t r.t. will b.come .tf.ctiv. on July 1 following the incr...., if any, in the prim. r.t. of int.r..t. Any incr.... will b. in the torm of high.r p.yment amount.. If your co.t of the Good. .nd S.rvic.. .old h.r.und.r w.r. $4,000.00 at 10.00' per .nnum fer 110 month. .nd the prima r.t. pluM l' w.r. incr....d to 11.00', your r.gul.r ~nthly PAyment. would incr.... to $ 57.88. Furth.r, the ANNUAL PlRClNTAOI RAT! will not incr.... to more than IB' or .uch oth.r r.t. a. may b. permitted und.r the P.nn.ylvania Good. and S.rvic.. Inatallmant S.l.. Act. Lat. Ch.rg.. If . payment is more than 15 day. lat., a .UlII .quiv.l.nt to n of the lat. payment (but no more th.n $2.S0 .nd not 1... th.n $1.00) m.y b. ch.rg.d. Prepayment. Buy.r m.y pr.pay the unpaid b.lanCl. of the Amount Financ.d .nd .ny FIIfANCI CHAROI due through the data of .arly p.yment, in full or in .rt, without penalty. In alCTION VIOl' '1'IlK CONTRACT BILCM 1'01' ANY ADDITIONAL INFORMATION ABOUT NON-PAYMIIlNT, DEFAULT AND RlQUIRlD RlPAYMlNT BEFORE THB SCHEDULED DATE FOR REPAYMENT OJ' THE AMOUNT FINANCED. Ill. IT~IIZATION OF AMOUNT FINANC~D 1. C..h pric. of Good. and S.rvicul S 24,870.00 2. Tot.l down p.yment. 20,870,00 3, Unp.id b.lanc. of cuh pdc. II - 2) I 4,000.00 .. Amount p.id to oth.r. on Buy.r'. b.h.U I - 0 - 5. l\ltK.unt Financed (3 + 4)1 S 4,000,00 -- r' ( . V. CREDIT INSURANCE Credit lit. in.ur.nc. for the term of thie Contract ie not required. V. NO WARRANTIES TlIJ:RB AU NO WARRANTlIS, EITHER EXPRESSE.D OR IMPLlID, OIVEN BY SELLER IN CONNIICTION WITH SALE or THE GOODS AND SERVICES COVERED BY THIS CONTRACT UNLESS BUYER HAS BIIN OIVEN A SEPARATE URITTIN WARRANTY. VI. ADDITIONAL PROVISIONS 1. Buyer agr.e. to pay Seller the Total Sal. Pric. by making the tot.l down payment and paying Seller the Total of Payment I in the number and amount ot monthly payment. .hewn in the Payment Schedule. paym.nts are dus on or betore the aame date ot .ach month a. the tir.t payment date. Payments mUlt b. ~ad. to Bdu.erv T.chnologi.., Inc. at the following addre... IduI.rv Technologie., Inc. P.O. Box 64974 st. PaUl, KN S5l64-0974 2. Buy.r'. lsgal rightl include the right to pay all or pact of the amount. due on thi. Contract in advance of their due date., to nbtain a r.fund or cr.dit of un.arn.d Financ. Charge when.v.r the amount i. paid in full in advanc., and (with S.ll.r'. con.ent) to rein.tat. the Contract if Buyer tim.ly cur.. any d.fault. 3. Buyer ahall b. dsemed to have committed an "Event of Default" of the Contract upon the ocourrenc. of any of the following. (a) failure to make any payment on or before the date it i. du., (b) failure to make a payment on any other Contract out.tanding with S.ller, (C) failure to perform any other prcvi.ion of the Contract, (d) providing Seller with fals. information or .ignatur.., (e) d.ath, incompetence, or conviction of any Buy.r of crime involving fraud or diehone.ty, (f) in.olvency or bankruptcy of any Buy.r. 4. Upon or aft.r the occurrence of any Ev.nt of D.fault, S.ller will provide Buyer with notic., by certified mall a. required by law, addr....d to Buyer'e laet known addr... a. .hown on S.ller'e r.cord., dvi.ing Buyer of the d.fault and of Buy.r'. right to cur. the d.fault. Th. notic. will provide th.time, amount and perform4nc8 n.c.easry to cur~ ~h. d.fault. If Buy.r doeu not cur. ~h& default a. provid.d in the notic., S.ll.r'. right. .hall includ. the right to d.clare all eume due on the contract to be UnMediat.ly due and payable. The Buy.r agree. to . pay all attorn.y'e fe.. and othar realonable collection COlt. and charge. n.ce..ary for the collection of any amount not paid when du.. S. Waiv.r by S.ller of any Event of Default .hall not be binding upon S.ller if S.ller .hould thereaft.r choole to ex.rci.e that or any other right or a .iroilar Bvent of D.fault occur. later. All S.ller'. right. and cemedi.. .hall be cumulative. S.ller'l exerci.. of one or more right. .hall not cau.o S.ller to lo.e any oth.r rights. 6. Thia contract i. fraely a..ignable by S.ller. Buyer agree8 that U~n receiving notioe of the a..igoment Buy.r Ihall be obligated to the A..ign.. of thi. 3 ( 'r , . Contraot, whioh A..igllee ahal! hay. all ot Seller'. I:'i\lM: and remedi... 7. It any part ot thia Contraot ia held to be illa\lal, voLd or unentoroeable, t~at provieion ahall be deem.d not to have b.an a part of thia Contract, whioh ahall otherwiae r..ain tully .teeotive, 8. AI'Pl.TC!AIU... l.AWI Thia A\lreement, whenevar oalled upon to be eonatrued, ahall be Qoverned by the domeatio internal lawa ot the Commonw.alth of Penn.ylvania ex~ept to the extent aupplemented, aupereeded or preempted by tederal law. 9. ODNg.N~ TO JUAt~DtCTION. VRNU. AND SRRVICR. The parti.. to thl. A9r..m.nt oonaent and aQree that all lft\lal prooeedin\la ralatin\l to the .ubjeot mattar hereot ahall be maintained in the Court ot Common Pleaa of Cumberland County, Pennaylvania, or, if applioable, tha United Statea Diatriot Court of the Kiddle Diatrict of Pannaylvania, and all partie. herato eonaent and a\lree that juriadiotion and venue for auoh prooeedin\la ahall lie axoluaiV.ly within aaid oourt. Servioe of prooaaa in any auoh prooeedin\l may be made by certified mail, return reoeipt requaated, diraoted to tha reapeetive party at the ad~raaa aet torth above. 10. Thi. Contraot .hall be bindin\l upon the partie. hereto, their hair., auoeaaaora, aa&iQna and leQal repreaentativea. ~ ~ 11. TIKB IS or THE ISSENCE OF THIS CONTRACT.:\ R 'P MOTIClI lIMY HOLDER OF THIS CONSIIHBR CREDIT CONTRACT IS SUB~JBT CLAIMS AND DlnNSES WHICH TIll DUTOR COULD ASSlI:RT AGAINST TIlB SELLER 0 . OR SBRVICES OBTUNJ:D PURSUANT NJ:RBTO OR WITH TIlE PROCEEDS HEREOF. REC~RY HERE E TIlE DEBTOR SHALL MOT IXCIID AMOUNTS PAID BY THB DEBTOR HIllREUNDERt ~ ~ HOTICI TO SUYBRI (I) DO NOT SIaN THIS AGREBME~~FO~'\y RE~OR IF IT CONTAINS lIMY BLANK SPACB. (2) YOU ARB ENTITLED TO A CO~TELY FI ~~-~OPY OF THIS MlREIMIlNT. (3) UNDER TII1!: LAW, YOU HlIVE TIlE RIOHT TO PAY 0 F,., ~~ANCJ: THE FULL AMOUNT DUI AND UNDER CBRTAIN CONDITIONS TO OBTAIN A Pl\R~ RlFUND~ THE FINANCB CHlIRGE. '0i I ' BtlYBR(S) ACItNOWL OE(S) RlCBI.INO A COMPLETED COpy OF THIS CONTRACT ~D INTEND(S) TO BB UOALI,y UN ay ITS ' , 1 BUYIR(S) .,.. '.' :;1 '-11 J .r. , ) , " 'I Sr ~i ,,1 >; ~j ~ ~i ~~l i e'~ -< : 4 . ) I MRBB TO REPAY ALL AMOUNTS DUE ON THIS LOAN IF THE...BORROWJ:R(S)/BUY!lIlS) rtAI~ TO DO SO 1M ACCORDANCB WITH T TERMS OF TIlE EI .. (J. :: STUDENT COSIONJ:R '\/VY'\- SCRIPT OF A 8'rtJDBJI'l" S UCORB ifILL 110\1.' .. RIILIAIBD IF LOAJf PAY1aItl'rI 2:0 TIIII COLLIIGB ARB 1M ARRBAU OR DBFAUI.'1' . DATIl DICKINSON COLLEnl ~-?-":I(:~ BY ~'J~ ( , I i\ , , .':-\ ,~., ,".--\ \ "I '" . ' \'.\ , .' -;"1. ~,J ~~y I. I I' , ~~ .'-1 /~' .,' , . DICKINSON COLLEGE, PJalr,tlff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : CIVIL ACTION. LAW v. ROBERT W. GRIMM, SUSAN 8. GRIMM, h/wand SHANNON GRIMM 'lJ" cJ)41 (l~~~, Defendants : NO, &!lICE TO DEFEND 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 are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objec- tions to the claims set forth against you, You are warned that if you fall to do so, the case mllY proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the COlllplaint or for any other claim or relief requested by the Plaintiff. You may lose money or propert)' or o!her rights important to you, YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFfiCE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP, , , ,'I .1 " I ".~ ~_ ' 'J " (J, A Vll1Q USTED HA SIDO DEMANDADO/A en corte, Sl usted desca defenderse de las demandas que se presentan mas adelante en las siguientes paglnas, debe tomar accion dentro de los proximos vcinte (20) diu despues de la notlficacion de esta Demanda y Aviso radicando personal mente 0 pOI' medio de un abogado una comparecencia escrita y I'IIdicando en 18 Corte pOI' escrito sus defensas de, y objecciones a, las demandas presentadas aqul en contra suya, Se Ie advierte de que si usted falla de tomar accion como se describe anterlonnente, eJ Ca30 puede proceder sin usted y un fallo pOI' cualquier suma de dinero reclamada en la demanda 0 cualquler otra reclamacion 0 remedlo sollcltado pOI' el delllandante puede ser dictado en contra , ~ >~~ "'j I , ~ ") '() 'II .( I ., , "\) '4e" I~ e6 Ol'~ "'q81'j! 01} eO eli, 01' 01}1" ~ 10 q60ll'f qc 1'(1 A_ r. & 1O~ ''74'" /) eeA 4'1; c~? ~(>k... 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"1; '" .j", '>","~ . ..., ... ."", "" ". , .... ", '. '.. > " .... . '> '" ... . C 4, .." · ... ". "^ .. ..., . (. '. " '" ~ .. ' ' .", '~.' (I, · 'r .., '.., " i .~, ..... "'.. · (.; .... ... ., . '. .", .. .. .. "I. ", '" 0 ' . , " "". ... ""0 'l, .. p. '., ... q"" '.. 1><> "<> · el} ~ll ~ 'I'tf "6 IJ} 4'1 el'. ~ e9; U. 4." "'. "'. C.. .. "" ". ... .. >. "" "'. '''., '..... 4,... "" p "<1, "''''' "" """ I,,,, " 0" "1; ... ., .. .... "', '" ... .... · " ~ ~ ~ ~. % . ~ ~ ~ o ~ "I I.. ' ol! '" 0 ol'e c,f.' "'tq lJ}e (1<. "It 1 '9 ~ '1'); "el} 11},f. 0/1, ~C/~ ~e "ll'ql. ~ q~ /Je" 01} "", c'" Q -"". "r., ...... .... """ Ol}t. cI06. 0l}t4 ~4t e"q' bo/, 'I'4'CI 01'<. :(y I /Joh to A 7.?t:r 'A ~ I)ol't. ~t, ~ 4'l'el}t 199? "I;IJ} "'ellt btC.{oJ 'f, . ell. ~ ^ 'IJ. 4'09 . '$ 'I", '90 'Ii or 0 A 'IJ ".J1 -t~ Ol'c el'. 00- Ollt q81'e po,. oq' "I' to /J~ btC<f "',f. 01/ I //',d r--, Exh\b\t A. ......., " , ( (" " ..... . ' DlOOt8lN ('l'f J J:m:; ft.ElCIlU: FItWlCltG SICUuC - 2llOO lUN mx:ATIOOL oore 00 SERVlcm RErAIL It6'I'A1J.MEJn' <nn:1W:T Date _ August 27, 1992 I. Seller I Dickineon College. CarUsle. Pennsylvania 17013 !uyer(s): Robert W. and Susan B. Grimm 76 Mason Avenue Babylon, NY 11702 - It there is IDOI.\"e than one atyer. each ot you will be obU!Jllted. jointly ani MVmllly. tor all SUM due ani tor the pertOl"llal'lC:e ot all agreements as provided in this Contract. Urder the tllnlll ot this &h.lcatiOl'llll Good8 ani Services Retail InstallMnt Contract. you have agleed to pay the exp81l8el!1 incurred tor goods ani services to be trOVided. ani reR1ered. lIS the case MY be. to _ Shannon Grimm (hereil'lllfter "student") durirq his/her enrollment at Dickineon College durirq the 1992-93 academic year. incllJ1irq tuition. room ani board. books ani suppUes as herein stated (hereil'lllfter the "Goods ani Services"). ,The Gooda ani Services shall incllJ1e only tuition. room ani board. II. TER4S OF PA'iMENl' AND PAYMENl' SOiWJLE Disclosures Required by Federal lAw ANlmL ~ FINANCE CHAR3E1 AM>>IT FINANCED: TOrAL OF PAYMENl'S: rom. ~ RATE: Dollar Amwnt Amount of credit Amount paid by PRICE: Cost of credit lIS credi twill provided. by aJ.yer lIS total ot Total cost of yearly rate cost aJ.yer Dickinson College all scheduled purchue on payments credit. in- cllJ1irq down Prior to repay- payment of ..ntlll nn , 17,360.00 . D.lri~ "'rY- ..nt, 1.0 , ~,251.95 S 4.000.00 . 7.251.95 .21,360.00 (. '. .... . aty~r'e ~yment F.lch~dul~ will be ae follows: NI~r Qr Payment" Amount of Po!lyments 45 $36.67 Whon Payments are Due monthly' COIIlIIIencil"9 9/28/92 . ard contir&.lirq until 4/28/96 or Nch tillle as Student ill no lorqflr enrolled at Dickil'lBOn (or in an approvod tull-time off-campue plClg1ll1l of studies). whichever is earlier. 72 $76.14 month 1 Y cOOIDencil"9 5/28/96 or Noh tilDe lllI Student is no lOl"l;1er enrolled at Dickinson (or in an approved tull-tilDe otf.-ClllDpu8 program of "tlM:lies). whichever is eerU.... lJ3ta C'h,'rge, If a pdyment is IIlOre t.han 15 daYI' late,. a sum equivalent to ~ ot the late pGYIllt'nt (b..lt no IIIOre than $2.50 lll'd not less than $1.00) may be c:hllrged. Buyer may pnpay the unpaid balance of the Amount Financed and any FINAQ CHARGE due through the date of early pdyment. in full or in part. withoot penalty. . ::Jp,r; :)'B:nON VI OF 'lllE o:ffi'RAC'r BELOW FUR Wi JlDDITIONAL INFt'0I1ITION AOCil.Tl' tDl-PAYMEm'. DEl'~l.Il.:r AND RmUIREIl REIWiMFJIT BEroRE 11iE SOIE!X.JLED D~TE FOR REPA'iMmI' OF '!liE AKXJNl' {-,J.NANCED. F'""'I.h~yment : III. 11DlIZATION OF M<<:lUN1' FINANCED 1. 1:'Mh price of Goods and Services: $ 21,360.00 .., Tota I d~)wn pdyment: 17,360.00 w. 3. l)np.~id balance 01' cash price (1 - 21: 4,000.00 4, Amount. pa ld to others on Buyer's beha 1 f : 0 5. Amount Fifldnced (3 + 4): $ 4,000.00 - IV. CREDIT IN5VRANCE Credit life insurance for the te11ll of this Contract is not required.. V. 00 WARRANTIES TIiEm: ARE 00 WARRANTIES. E.'I1Hm EXPRESSED OR IMPLIED. GIV~ BY SEl.LER IN OONNEX:TI<>>f WIlli SALE (IF 11iE G((J[JJ AND SE!lVlCES covmm BY lliIS com'.RAcr lJNLE5S SJ':'ER HAS BEEN GI'/m A ~'EPMATE WRITIEN WARRANTY. 2 /'" .' .. (' r VI. MCmaw. PllmSICHJ . . ' 1. ..a.&yer ~ ... to pay Sell.. the Total Sale Price by IIlIJdlV the t:ot.l down payMrlt anlI poay1rv Seller tho Total of Pa)'Mntll in the I"fJIIbIr anillllOUftt. of U\thly ~ Iholln 1n the Pa)'Mnt 8dledule. Pa)'lllnts are due on cr bite.-. the _ cat:. of eIClh U\th .. the tint paytlll'lt date. Pa)'Mnu _t be ~ to Pint _c:hovia, Inc. at the followilV 1ddII..., First Weohovia, Inc. P.O. Bcoc '10095 Chlrlotte. tk: 28272-OO9!S 2. Jllyer's legal rights inoh.de the right to pay all or part of the ~ u on thi. Contract in advance of their due datel!, to obtain a returd or cnd1t of \Il8Ir1lId Finance a.rg. whenever the llIlOUIlt 1s paid in full in edvanoe, ani (with Seller'. consentl to reinstate the Contract it llJyer ti_ly cunt8 MY defllUlt. 3. D.lyw nn be c1eeaetl to ha.... ~ittecl an ''Event of Default" of the Ccntn.ct upon the occurrence of any of the followirvl (a) tallure to lIIlke any pa)'ll8nt on or before the date it 1. due, (b) failure to Mke a paYMnt on any other Contract Q1tstaM1rg with Seller, (el failure to per1'ora any other prov181on of the Ccntract. (d) provldirq Seller with fa1.. intorw.tion cr .ignaturell. ee) death, il'lCOllpetence, or ClOI'lViction of any &1yw of cri.. involv1rq tnull cr dillhoneety, (f) il'l801vency or bankn.lptcy of any a.ry.r. 4. Upon or after the OCCUlUilCe of any Event. of Default. Seller will provide IkJyw with notice, by certified .11 ftII required. by law, addllllltl. to Illyw'. 1ut knolIn IddIIIII as shown on Seller's re<:QlM. advieirq a.ry.r of the defllUlt and of 8Jywr'. right to cure the default. The notice will provide the tille, uount and perfcnance ,*lIury to cure the cIAltault. It IlJyer does not cure the default u provideclin the notice, Seller's rights shall ino11J1e the right to declare all ... due on the Contract to l:le illlllediately due ani payable. The a.tyer agl us to pay all attcrney'. tees end other reasonable collection coets and chargee necer:Ul'Y for the collection of any ucunt not. paid when due. 5. Waiver by Seller of any event of default shall not be bind11'llJ upon Seller it Seller should. thereafter choose to exercise that or any other right or a .1ai 1ar J.\'entof Default OCCUl"ll later. All Seller's rights ancI. llaetU88 shall be CULllative. Seller'. exercise of one or IIClre righUi shall not CI1UIIG Seller to Ieee any other r1~ts. 6. This Contract is freely assignable by ~ller. 8Jyer agl u. that upon nceiv1rq notice of the ueignDent a.&yer shall be obl1!Jllted to the Assignee of this Contract, M\ich Assignee all have all of Seller's rights ani 1'..:11... 7. It any part of this Contract is held to be i llegel, 'VOid. or Ul'llntorceable, that provision shall be c1e'lD8d. not to have been a part ot this Contract, .lch lhall otherwi.. remain fully effective. S. lA'r,TrlRU~ ~KI This 10 IOl-nt, ll'henever called upon to l:le OCIIWtnJed, all l:le govemed by the dn...t1o interne1 laws of the C'< ~nvealth of Pelmylvenia toapt. to the extent euppl...nted. Sl.lperlleded or plMllPted by fecWal lev. 3 (" "~ 9. crHmlI' ro JUBIWtCITON. VEWE AND smvI~1 The partie. to this ~lDInt COIWnt and egne that 111 legal proceodil'YJ8 relating to the DUbjeot .tter hereof 1lha11 be M1ntaiMd. in the Court. of ~ Pleas ot a.anberlancl County, Penrwylvanil, or, it appUcable, the United stat.. District CQ.Irt ot the Middl' District of Pel"llllylvania, w all parti.. hereto C<lrWent ani agree tMt jurillCUction ancl 'len.llt for IUCh poc....cU. lhall 11, exclusively within said court. Service ot plO"'.. in any MJCh pl OC\Iedirv MY be IIlaC1e by oert if ied ,11&11. return receipt requested. directed to the .....pecti.... party at the addrea set forth above. 10. Thi. Contract 1lha11 be biB1irq upon the parties hereto. their heire, 8\lOC'.Oh. U8igIW ani legal representatives. 11. TIM! IS CI 'I1i! mama: OF 'I1US c:x:lNI'RAcr. torICEI AN'i t<<:UfR OF nus CXlfIlMER CREDIT OONJ'RACT IS fllIElnrr ro AU.. CUIJe 00 lB'&ISm WHIOi nIB ran.. CXXIlD b.cKl MAlleT 'I1iE ~ J ~ OF GOl:Q3 ~ SFlMcm <B1'AINm FtlRlUNr tBa:ilU ~ WInf nIB .POO :.:>Ol 6 HEJ:ll:uo'. REXX:Nm'i HERElJIIDm Bl( 1HE DD;1\.tl SWJ. tOr EXCEED NDJNrs PAID Bl( nIB lJIII:lIIA( HEmllNDER. torICE 'lO 1l1v.m: (1) DO tm' SlGN nilS AGRE>>IENr tll:OI.'lA(t; 'iOO READ IT OR IF IT CX)NTAJ:M9 ANY !UN< SlACE. (2) YOO ARE EM'ITLED 1'0 A CCMPI..El'ELY FILUD-IN cx:P.i OF 'I1fIS AGRmIOO'. (3) l.lNDEa niB LAW, YOO HAVE nIE RIGrl' 1'0 PAY OFF IN ADVANcE nIE FUlL >>WNr WE 00 .UNID cmrAIN a:mmae 10 OBl'AIN A PARTIAL Rm!ND OF 1liE FINANCE ~. aJYm(S) AaOOWLEooE(s) REX'::E:IVI A <X>>IPLEI'ED (XF{ OF nus CONlRAcr AND INInID(S) 1'0 BE 'JrWLY ITS . , ! I AGRm'lO REPAY ALL AM::XJNrs DUE ON 'I1iIS LOAN IF 1liE ~(S)/'B.J\'m(S) FAII.S '10. ~ " 00 9) IN ACXXR>ANcE WI'lli nIB 'mlMS OF 'I1iE ImEI .1 snma am..... /~~,:; "r'~;N;'RECORD WIll I NOT BE RELEASED IF LOAN PAYMENTS TO THE ~ COLL'" "" IN "'RE"" OR DEFADL T . \ ~TEI DlOOt6?N mn~ 8(vtl'z. Bl( ~ 4 p" r~ "\ Exhibit B DIOKINION OOLLIGI rLIXIBLI WINANOING IY.TIM - .LlN 8 IDUOATIONAL GOODI AND II.VIOI. alTAIL IN8TALLHINT OONTRAOT Date February 9, 1994 I. leUerl luyet(I'1 Dleklnlon Celle~e, Clrll.ll, Plnn.ylvanll 17013-2896 Robert W. and Susan B. Grimm 76 Mason Avenue 8abylon, NY 11702 \ If there 1. more than enl Buyer, each of you will b. obli~at.d, jOlntlr and .everally. for all 'Um' due and for the performance of all agr..mlntl a. provided in th . contract. Under the term. of thi. Educational Goodl and Service. netall In.tallment contract. you hlVI agreed to pay the Ixpen.e. incur rid for good. and .erviel' to be provided and rlndlred, a. the ea.e .ay be, to (herlinafter "Student"' during hi./her enro ment at e n.on Co Ige ur ng acadlmlc year, including tuition, ream and board, beok. and .uppli.. a. herlin (herllnafter the "Good. and servicI'"). The Good. and slrvicII .hall include only tuition, room and board. II. TERMS OF PAYKENT A110 PAYMENT SCHEPULIIl Dilclolur.. Rlquired by rlderal La~1 ANNUAL PERCENTAGE FINANCE CHARGE. AMOUNT FINANCED I TOTAL OF PAYMENTS. TOTAL IALE RATE:" Dollar 1M0unt Amount ef crldit Amount paid by PRIClI co.t ef erldit a. credit will provldld by Buyer .. total of Total eo.t of y.arly ratl COlt Buyer Dickinlon Collagl all .chldulld purcha.e on paymlnt. credit, in- Cluding down payment of $18,890.00 7.00 , $ 1.669.~ $ 3.700.00 $ 5.369.28 $22.590.00 Rav 2/92 ....'. , . \ .. .' (' '. Buy.r'. paym.nt .oh.dul. will b. .. tOllow.. Number ot ,ayment. Amount ot 'aym.nt. Wh.n 'aYlHlnh ar. Du. I Monthly o_noin\l 2/28~.~ until ~ l'AJn~ , \ 136 $39.48 .Vadabl. Rat.. Lat. Chug.: Th. ANNUAL 'ERCINTAOI RATI di.olo..d above i. a variable rat. and May ohang.. Th. ANNUAL 'ERCINTAOI RAft may inor.... dudng thl t.m ell' thi. tran.aotion it the prima rat. ot int.r..t announo.d in the Wall Str..t Journ.l .. ot the 010.. ot bu. in... on Jun. 30 ot ..eh e.l.nd.r y..r iner....., .nd will b. inor....d to the prima r.t. plu. 1'. Th. ANNUAL 'IRCINTAOI RATE will not iner.... mer. th.n one. a y..r, .nd the naw int.r..t rat. will b.eome .tt.ctiv. on July 1 following the iner...., it any, in the prim. rat. ot int.r..t. Any iner.... will b. in the torm of high.r payman~ amount.. It your co.t of the Good. and S.rvic.. .old her.under w.n $ 3.700,]0 at 7 .00 'per '"nlUll tor -1.1li. month., and the prim. r.t. plu. l' w.n iner..'.d to 8...11It " your r.gul.r monthly p.yment. would inor.... to $Jll-~.. ~ the ANNUAL PIRCBNTAOB RATE will not incr...~ to mO~8' or .uoh other r.t. .. m.y b. permitt.d under the P.nn.ylvania Oood. and Servic.. In.tallment Sal.. Act. It . paym.nt i. mora than 15 day. lat., a .um .quival.nt to 5' ot the lat. paym.nt (but no mora than'$2.50 and not 1... than $1.00) l'Hly b. char\lud. Buy.r may pr.pay the unpaid balanc. ot the An~unt rinanc.d .nd any rINANcB OHAROB due through the data of .arly payment, in tull or in part, without penalty. sn IIICTION VI or THB CONTRACT BILOW rOR ANY ADDITIONAL INrOIUlATION ABOUT NON-PAYMlH'l', DlrAULT AND RlQUIRlD RlPAYMBNT BlrORB THE SCHEDULED DATE rOR REPAYMBNT or THE AMOUNT FINANCID. 'r.payment. III. ITEMIZATION or AMOUNT rINANCED 1. aa.h pric. of Oood. and S.rvic..: $ 22,590.00 2. Total down payment. 18,890.00 3. Unpdd balanc. ot ca.h pdc. (1 - 2) I 3,700.00 t. Amount paid to oth.r. on Buy.r" b.half: 0 S. Amount Financ.d (3 + 4). $ 3.700.00 - -, ~---- r r IV. OREDIT INSURANCE Oredit life ineur.nca for the term of thi. Oontr.ct ie not requirad. V. NO WARRANTIES TRIg ARIl NO WAIUlANTIIS, EITHER EXPRIlS8ID OR IMPLIED, GIVEN BY SELLI" IN CONNIlCTIOIf WITH IALI or THI OOODI AND SERVICES COVERED BY THIS CONTRACT UNLESS BUYER IlAI aUN OIvall A SIPARATI KRITTIN WAIUlANTY. VI. ADDITIONAL PROVISIONS 1. auyar egraa. to p.y Sellar the Tot.l S.le .rica by making tha total down p.ymen~ .nd p.ying Sallar the Tot.l of p.yment. in tha numbar .nd amount ot ~nthly p.ymente .hown in the P.yment Schadule. p.ym.nt. .r. due on or b.tora the eam. d.ta ot e.ch month .e the fir.t p.ym.nt d.ta. P.ymente mu.t b. m.de to 'iret Weohovi., Ino. .t the following addr.e., rir.t W.chovi., Inc. P.O. Box 70095 Ch.rlott., NC 28272-009S 2. Buy.r'e leg.l right. includ. the right to p.y .11 or p.rt of the amounte due on thie Contr.ot in .dv.nc. of thair due dat.e. to obt.in . r.fund or oredit ot une.rned Fin.nc. Ch.rge when.v.r tha amount ie p.id in full in .dv.nce, .nd (with Sell.r'. con..nt) to r.in.t.t. the Contract if Buy.r timely our.. .ny default. 3. Buy.r .hall ba d..m.d to hav. committ.d an "Ev.nt of Def.ult" ot the Contr.ot upon the occurr.nc. of .ny of the following' (a) f.ilur. to m.k. .ny p.ym.nt on or b.for. the date it ie du., (b) failure to make a paym.nt on .ny oth.r Contr.ct out.t.nding with S.ll'r, (c) f.ilur. to perform any other provi.ion of the contract, (d) providing S.ll.r with f.l., information or .ignatur.., (.) death, incompat.nc., or conviction of .ny Buy.r ot crime involving tr.ud or di.hon..ty, (f) in.olv.ncy or bankruptcy of .ny Buyer. 4. Upon or aft.r the occurrence of any Event of Default, S.ller will provide Buy.r with notic., by c.rtified mail ae requir.d by l.w. .ddr....d to Buy.r" l..t known .ddr... .. .hown on S.ller'. record., .dvi.ing Buyer of the det.ult .nd Of Buy.r'. right to cur. the def.ult. Th. notic. will provide the tiMe, amount .nd performance n.c....ry to our. the def.ult. If Buy.r do.. not our. the d.f.ult .. provided in the notic.. S.ller'. right. .hall include the right to d.cl.r. .11 .um. due on the Contract to b. imm.di.t.ly due and payabl.. Th. Buy.r .gr... to p.y .11 .ttorn.y'. f... .nd other r...onable coll.ction co.t. and oh.rg.. n.c....ry for the oolleotion of .ny amount not paid wh.n du.. 5. W.iv.r by Seller of .ny Event of D.fault .h.ll not b. binding upon S.ll.r if S.ll.r .hould th.r..ft.r ohoo.. to .xerci.. th.t or .ny oth.r right or . .imilar Event of Default occur. lat.r. All Sell.r'. right. and r.m.dia. .hall ba oumulativ.. Sellar'. exarci.e of on. or more right. .h.ll not Cau.a Sellar to lo.a .ny othar right.. 6. Thi. Contr.ct i. fr.aly ...ignable by Saller. Buyar agr... th.t upon raoaiving notice of tha ...ignm.nt Buy.r ahall b. obligat.d to the A..ignae ot thi. Contraot, whioh A..ignea .hall hava all of Sall.r'. right and remedia.. 7. It any part of thi. contract i. h.ld to b. ill.gal, void or unanforo.able, that proviaion .hall ba daem.d not to h.v. b..n . part of thi. Oontract, which .hall otharwi.. remain fully aff.otive. 8. APPLICABLE LAW, Thi. Agr..ment, whan.ver call.d upon to b. con.tru.d, .hall ba' govarn.d by tha dome.tic int.rnal law. of the Commonwa.lth of pann.ylvani. .xoapt to the axtant .upplamanted, .uper.ed.d or preampt.d by f.d.ral l.w. J r ,. (: DICKINSON COltLBGB PLBlIBLB FINANCIHQ SY8'l'BII - PLAN B BDUCA'1'IOHAL GOODS AND SBRVICBS RB'l'AIL IN8'l'~r.r.lllllNT COIl'1'RAC:r Octobar 3. lit4 x. SallaX' I lIIyaX' I.) . Dickin.on Collaga, carli.la. Pannlylvania 17013-28" Robert w. " aulan B. GldlllDl 76 Ma.~n Ava. Babylon M.V 11702 If theX'a i. lora than one Buyar, each ot yoU will be obligated, jointly an4 ..verally. fnr aU '\11III dua and for tha perf01'lllanca of all agrelll\antl u provided in thb Contract. Under the tal'llll of thb Educational Gooda and Servic.a Rel:aU In.taUllant Contract. YOIl hava agraed to pay tha Ixp..ulaa incurred for goodJI and .arvioa. to ba provided and randared. u tha ca.e NY be. to shannon Gr11M1 (hereinafter 'Student') during hb/har anrollmant at Dickln.on Collage during the 1"4-1"5 acad..ic year, including tuition. rOGa and board, book. and .upplie. a. herein Itatad (harainaftar tha 'Good. and Sarvica.'). The Goode and S.rvioe. .hall include only tuition. rooll and board. II . TEIUIS or PAYMENT AND PAYMENT SCHEDULE Dilclo.ure. Required by F.daral Law ANNUAL PERCII:NTAGE FINANCE CHARGE, AMOUNT FINANCED, TOTAL or TOTAL SALE P RATE. * Dollar amount Amount of cradit PAYMII:NTS, PRICI. Co.t of cradit al cradi twill provided by Alnount pdd by Total coat of yearly rata coat buyar Dickin.on COllage Buyer .. total of purcha.e on aU .ch_duled credit. includ1n, paymant. down paYl\ant of $ 15,700.00 8.25 . $ 4.055.04 $ 8.000.00 $ 1~.055.04 $ 33.700.00 Rev 2/U '1 ( c .< IV. CREDIT INSURANOE o~edit life in.ur.nc. for the t.rm of thi. Contr.ct i. not r.quired. V. NO WA'lUWfTIIS .U AU IfO WAlUWlTIBI, EITIlIlII UPRII.UD 011 INI'LIED, aIvaN BY ..LLIII IN COlIIlIC'l.'IOIf WITH SAUl OJ' THJI GOODS MIl IBlIVIOI8 COvaRIID BY THIS CONTRACT IJICU.I .UY.II HAl .... GIva. ,. ...ARATII nITTIIN WAlUWlTY. VI. ADDITIONAL PROVIIIONS 1. IUy.~ ag~'" to pay I.ll.~ the Total S.l. Pdc. by INking the total down par-nt and paying S.ll.~ the Total of Payment. in the numbe~ and amount of DOnthly payment. .hawn in the Pa~nt Ichedule. ,.yment. a~e due on o~ befo~. the .... date of each IIOnth II the tLnt paytMnt date. p.yment. llI\I.t be ....d. to Idu.e" TechnolQ9ie., Inc. .t the following add~e..: .du.erv Technologie., Ino. P.O. lox '4"4 St. P.ul, KN 55164-0974 BUle~" 189al right. inolude the ~ight to pay .11 o~ pa~t of the amount. due on th . OOnt~act in adv.nce of th.i~ due d.te., to obtain a r.fund or credit of un.arned rin.nce Charg. wh.nev.r the amount ie paid in full in adv.nc., and (with S.11e~" oon.ent) to rein.tat. the Oontract if Buy.r timely cure. any default. 2. 3. Buyer .hall be d....d to h6ve oommitted an "Ev.nt of Default" of the Contract upon the occurrence of any of the following' (.) f.ilure to make any p.yment on or before the d.te it i. due, (b) f.ilure to make . payment on .ny other contr..ct out.t.nding with Seller, (c) f.ilure to perform any other provieion of the Contr.ct, (d) providing Seller with f.l.. information or .ignature., (e) d.ath, incompet.nc., or conviction of any Buyer of crimi involving fr.ud or dhhon..ty, (f) in.olv.ncy or b.nkruptcy of .ny Buyer. 4. Upon or aft.r the occurr.nce of any Event of D.f.ult, Sell.~ will provide Buye~ with notic., by c.rtifi.d m.il a. r.quir.d by l.w, addro..ed to Buy.r'. la.t known .ddr... a. .hown on S.ll.r'. r.cord., .dvi.ing Buy.r of the default and of Buy.~'. right to cure the def.ult. Th. notic. will provide tha tim., amount and perform.nc. n.c....ry to oure the def.ult. If Buyer doe. not cure the default .. p~ovid.d in the notice, Sell.r'. right. .h.ll include the right to d.clar. .11 eum. due on the Ccntract to b. immedi.tely dll. .nd p.y.ble. The Buyer agr.e. to pay all .ttorn.y'e fee. and other re..on.ble collection co.ta .nd ch.rg.. n.c....ry for the coll.ction of .ny amount not p.id when du.. 5. W.iv.r by S.ller of .ny Event of Default .h.ll not be binding upon Seller if 'ell.~ .hould there.ft.r choc.e to .xerci.. that or .ny other right or a .imiler Ivent of Default occur. later. All Seller'. right. and remediee eh.ll be cumulativ.. S.ller'. .xerci.. of on. or more right. .h.ll not cau.e Seller to 10.. .ny oth.r right.. 6. Thi. Oontract i. fre.ly a..ign.bl. by Seller. Buyer agr.e. that upon reo.iving notice of the ...ignment Buyer .hall be obligat.d to the A..igne. of thi. Cont~.ct, which ,...ign.. .h.ll h.ve .11 of Seller'. right .nd remedie.. 7. If any part of thi. Contract i. h.ld tc be illeg.l, void or unenforceable, that p~ovi.ion .hall b. deemad not to have be.n a part of thi. Cont.~act, which .hall otherwi.. r~.in fully .ff.ctiv.. APPLIOABLE LA!. Thi. Agreement, wh.never c.ll.d upon to be con.trued, .hall be governed by the doma.tic internal law. of the Commonwe.lth of penn.ylvania ~c~ to the .xt.nt .upplemented, .uper..ded or preempted by fed.r.l law. B. 3 ", DICII.,OM COLLIQI rLIXIBLI rIKlICIKQ IYITIN - >>LAK B IDUCI.'l'IODL CJOODI UD IDVlCII .HAIL IKITALLIIBII'f COIlTUC'J! rebru.ry 17, 1995 x. lellee. Diokin.on Colleg., C.rli.lw, penn.ylv.ni. 17013-2896 Robert W. .nd lu..n a. OrLan 76 M..on Avenue labylon, NY 11702 IlIy.r(.). If there i. ~re than one luyer, e.oh of you will be oblig.ted, jointly and .ever.lly, foe .11 .1Im. due .nd foe the peefocmanoe of .11 .9r....nt. .e provided in th1. Conte.ot. Und.e the t.m. of thh 8duo.tional OOod. .nd I.rvioe. Rat.U In.t.llalent Contract, you have agreed to pay the .xpanle. inourred for good. .nd lervioe. to be provid.d and rendered, ". the ca.e ..y be, to Ihannon OrLan (her.inafter "student") during hi./her .neollalent .t Dickin.on coll.;e durill9 the 1994-1995 ac.demio ye.e, inoluding tuition, eoam .nd bo.rd, booka .nd .uppliel .. heeein It.ted (h.eeinaft.r the "Ooodl .nd servi~.."I. . . The Oood. and leevic.. .hall inolude only tuiticn, room and boar.d. - II. TIRMI 01' PAYMENT AND PAYMENT SCHBDULB Dilololue.1 R.quieed by red.r.l L.w ANNUAL PBRCBNTAOI FINANCI CHAROI. AMOUNT FINANCED I TOTAL OF TOTAL IALII P RATI." Dollar: amount Amount of ce.dit PAYIIINTS: PRIeBl COlt of ondit al credit will provided by Amount paid by Total ooat of yearly rate COlt buyer Dickinlon colllg. Buy.r a. total of puecha.e on .11 Ichadul.d credit, inClludin. p.yment. down payment of $ 21,70D.00 8.25 , $ 960.94 $ 2,000.00 $ 2,960.94 $ 23,700.00 Re" 2/92 'r 8uy.~I. payment 'ch.dul. will b. e. fallow.. Iflllllb.~ of! PIYlNnt. Amount at Peymenh "".n PeYlMnte ...... Du. 122 , 24.27 Monthly commenoing 02/28/9S until OS/21/0S *VeriLbl. Ret., Th. .ANNuAL PIRClII'1'AGI RAn dhclo'84 Ibov. h e V'riebl, ~et. III\d ..y ohanv-. Th. ANNuAL'PIRClII'1'AQI RATa may ino~'I'. during the t.ra of thi. trlne.otion it the prime ~.t. at int.~..t ennounoed in the Well Str..t Jqurn~ .. of the CIa.. at bu.in... on Jun. 30 of '.oh c.l.nde~ ye.r inor....., ln~wil1 be ino~....d to the P~ime ~et. plu. 1t. Th. ANMuAL PIRClIfTAQI RATW will no~ inor.... mo~. th.n anal. Y'.r, .nd the new int.~..t rete will beOQaD 'U.otiv. on July 1 fOllOWing the inc~.Il''', it InY,in the Pd.. ~.t. ot int.~..t. Any inc~.e.. Will b. in the tom of high.r PlYlMnt IlIOIInte. It you~ co.t ot the Oood. Ind S.rvic.. .old h.~eund'r were '2,000.00 et 8.2St pe~ annum tor 122 month. and the prime rete plu. 1t wa~. inor.e'ed to 9.2St, your ~lt9Uh~ monthly peymant. would 1ncr.... to US. 3ll. hrth.r, the ANMuAr. 'IRClNTAQI RATW will not ino~'a.. to DOr. then 18t o~ luoh other ~et. e. ..y be pef1llitted unde~ th. Penn.ylvanie Good. .nd S'&'Yio.. In.telllMnt Illl.. Aat. If e payment 1. mo~. than IS day. late, e .um equivel.nt to St of the let. peyment (but no mo~. than $2.50 and net: 1... then $1.00) ..y ba ch.....g.d. 8uy.~ mey p~.pay the unpaid belanc. at th. Amount rinanc'd and .ny rIIfANCI OHAROI due th~oU9h the data at 'a~ly payment, in tull o~ in art, without penalty. III SIC'l'ION VI or THI CONTRAC'l' BIlLOW J'OR ANY ADDITIONAL INrORMATION ABOUT HON-PAYMlNT, DlrAlItT AND RlQUIRlD RlPAYHJl:1I'1' BIJ'ORI THI SClBDULID DATI rOR UPAYMlNT or THI AHOlIIlT rIIfANClD. Let. Oharg.: P~'paym'nt. III. ITEMIZATION or AMOUNT P:rNAHCID 1. Oa.h pric. of Oood. and S.rvic.., . 2. Total down payment, 3. Unpaid balanc. at cllh p:do. (1 - 2) I 2,000.00 4. Aalount paid to oth.~. on Buy.~'. b'half, - 0 - 5. Aalount rinanc.d (3 + 4), . 2,000.00 a ,,, '. ,. ~,,:., ".''': ~.::.. IV. CREDIT INSURANCI Cr,di~ lit. in.uranc. tor the t.rm ot thi. Contract i. no~ r.quired. V. NO WARRANTIIS TlIIRI AM NO lfURA1I'1'IIS, IUTHlR IltPUSSID OR IHPLIID, GIVlIl IY S.LLlill. IR COInQIC'l'IOK WITH SALI or TIm GOODS AND SIRVICIlS COVlUD BY THII COIl'l'llAC'l' UIlLIIS IUYIR II.U 1111I GIVIII A S.PQR.'1'JI IIRIT'l'JIIl WARRANTf. 1. VI. ADDITIONAL 'ROVISIORS luyer .gr... to p.y S.ll.r the To~.l S.l. Pric. by ..king the total down p.ymen~ and paying S.ll.r ~h. Tot.l of P.ymen~. in the numb.r .nd amouft~ ot ~nthly pliyMn~. .hown in ~h. P.Y1MIn~ SchRul.. P.ytMnta are due on or b.tor. ~h. ._ d.~. ot ..011 ~n~h a. ~II. tint p.yment d.~.. P.v-n~. IIU.~ be mad. ~o Idu..n Teollnologi.., Ino. .t the tollowing .ddr.... Idu..tv T.ohnolog1.., Ino. P.O. lox 64974 St. P.ul, HN 55164-0974 IUler'. l&9al righ~. includ. the right to pay all or part of the amount. due on th . Contrac~ in .dvanc. ot th.ir due dat.e, to obtain . retund or orRit ot un..rned 'inano. Ch.rg. when.v.r the amount i. p.id 1n tull in .dv.noe, .nd (wi~1I S.ll.r'. con..nt) to r.inetat. the Contr.ot it Buy.r timely our.. .ny d.t.ul~. Buyer eh.ll b. deemed to have oommitt.d an "Iv.nt ot Det.ult" ot the Contraot upon tll. oocurr.no. ot any ot t.h. tollowing: 2. 3. (.) (b) (C) (d) (.) (t) t.ilur. to m.k. any p.ym.nt on or b.tore the d.t. 1t i. du., t.ilur. to m.k. . paYlMlnt on any oth.r Contr.ac~ outatand1ng wi~h s.ll.r, t.ilur. to pertorm .ny cth.r provieion ot the Contr.ct, providing S.ll.r with t.l.. intorm.tion or .ignatur.., d..~II, inoompet.nc., or conviction ot .ny Buy.r ot crime involving tr.ud or diahon.ety, in.olv.noy or b.nkruptcy ot .ny Buy.r. 4. Upon or .t~.r the OCcurr.no. ot any Bv.n~ ot D.tault, S.ll.r will provide Buy.r with notic., by c.rt1ti.d mail ae r.quir.d by l.w, .ddr....d to Buy.r'. la.t known .ddr.a. .e .hoWD on S.ll.r'. reoord., .dvi.ing Buy.r of the d.taul~ and ot Buy.r'. right to cur. the d.f.ult. Th. notic. will provide the time, amount .nd pertorm.nc. n.o....ry to cur. the d.tault. It Buy.r do.. not cur. the d.fault .. provid.d in the notic., Seller'. right. eh.ll include the right to deol.r. .11 .um. due on the Contract to be immedi.t.ly due .nd pay.bl.. Th. BUy.r. .gr..e to pay all .ttorn.y'. t... and oth.r roaaonable coll.ction co.ta and ch.rg.e n.o....ry tor the coll.otion ot any amount not p.id when du.. 5. Waiv.r by Sell.r of .ny Ev.nt of D.t.ault ah.ll not be binding upon S.ll.r if S.ller .hould th.r..tter ohoo.. to .xerei.. that or any oth.r right or . .imil.r Iv.nt ot Detault occur. lat.r. All S.ll.r'e right. .nd remedi.e .hall b. oumul.tive. S.ll.r'. .x.rci.. of on. or more right. eh.ll not c.u.~ S.ll.r to 10.. any oth.r right.. 6. Thi. Contr.ct ie tre.ly a..ignable by S.ll.r. Buy.r agr... that upon reo.iving notic. of the a..ignmant Buy.r .hall be obligat.d to the A..igne. ot thie Con~r.ot, which Ae.ign.. .h.ll h.v. all of S.ll.r'. right and r.madi... 7. It any p.r~ of tlli. Con~r.ct i. held to b. ill.g.l, void or un.ntorc.abl., ~1I.t provi.ion .hall b. d.emed not to have b..n a p.rt ot thiw Contr.ot, whioll .h.ll otll.rwi.. remain tully .tt.ctiv.. 8. APPLlCA8I~ LAW, Thi. Agreem.nt, wh.n.v.r c.ll.d upon to be con.trued, .lIall be gov.rned by tile doee.tio internal l.we of the Commonw..lth ot P.nneylv.ni. .xoept to tll. .xt.n~ .upplement.d, .uper..d.d or pr.empt.d by feder.l l.w. I. I I i 3 (""""-.-'\ . . '." ~., r ~~C:l Q I ~\fW .,..L;, DICKINSON COLU:GE B'LI:XIBU: FINANCING SYS'l'B:M _ PLAN . IlDOCA'l'IONAL GOODS AND SERVICES lUl'l'A:tL INS'l'ALLNEN'l' CON'1'IW:'l' Marob 7, 1996 x. '.U.rl Diokinaon Coll.ga, Cnlial., l'.nnaYlvania 17013-2896 BUy.r(a)I Rob.rt, Sua.n Orimm 76 Maaon AVll. Babylon, NY 11702 Xt there ia .or. than on. Buyar, eaoh ot you will be Obligatad, jointly and .everally, ~ all auma due and tor tbe partoJ:mance ot all agreement. aa,provided in tbi. contraot. Uftlluo tile te1'llll at thia .duoational Good. and .e"icea Retail Xn.taU...nt ContJ:a~, you ha' A91'Hd to pay tile expen... incurred tor good. and .e&'Vioe. to be provided and renclenld, a. tbe oa, ..y be, to Shannon Orim. (her.inatter ".tudent") during hia/ber enrollment at Diokinaon Colle, dudng the 1995-19911 aoacs.J.o y.ar, including tUition, rocm and board, boob and auppU.. a. here .tated (hereinatter tbe "Good. and Service."). Tbe Oood. and .e"ioea aball inolud. only tUition, room and board. IX. 'l.'IJU(S OF PAYMENT AND PAYHliNT SCHBDULIl Di.clo.ur.. Required by 'ederal Law ANNUAL PIIRCIlNTAOI FINANCIl CHAROII AMOUNT FINANCBDI TOTAL OF '1'O'1'AL SALI: RATII. Dollar amount Amount ot credit PAYHlNTS I 'RIClI Coat ot credit a. oredit will provided by Amount Paid by Total coat at yaarly rate ooat buyer Diokinaon Coll.ge Buyer aa total at purobaae on i all ach.duled credit, inoludin i , paymenta down P&y:aent ot , , 11,370.00 ,I i I 10.00 , $2,124.S0 $ 4,000.00 , 6,124.S0 , 24,870.00 Rev 2/92 (... (' 8uy.~I. payment .ch.dul. will b. a. tallow.. llullbu at 'ayMnta Amount at .ayment. Wh.n .aymenta an Du. 110 , 55.68 Monthly commencinq 04/28/96 until OS/28/0S .Vuiabl. Rata. ,L.t. Charq.. 'npayment. Tha ANNUAL .aRC&NTAOI RATI di.clo..d abova i. a variable ~ata and ..y chanva. The ANNUAL .IRClNTAGI RATa may ino~.a.. durinq tha ta~ of thi. tran.action il the p~tma ~at. at int.~..t announced in tha Wall .~re.~ Journal aa at tha ala.. at bu.ina.. on Jun. 30 at aach o.landa~ yaar inc~.a.a., and will be inoraa.~ to the p~lma rat. plu. 1'. Th. ANNUAL .BRClNTAOI RATI will not ino~..ae ~~I than cnc. a yaar, and tha naw int.~..t r.ta will baa~ att.otive on July : tollowinq the ina~aa.., it any, in the p~ima ~ata at int.~..t. Any iRonawl will b. in tha tcm of hiqhar payment lIIlIOunt.. It your co.t at the CJood. anc Sarvic.. .old har.und.~ wa~a '4,000.00 at 10.00' par .nnu. tor 110 month. anc the prlJDa rat. plu. 1\ _~. incr....d to 11.00', your ~equlu eanthly payMntl would inc~aa.. to $ 57.88. rurth.~, the ANNUAL PlRCENTAGI RATa will not ino~.a.1 to IllOr. than 18\ or .uoh oth..r rat. .. may b-. pamittad undar tha ..nn.ylvanil Good. and I.~vio.. In.tallmant lala. Act. It . payMnt i. mora than 15 day. lat., . .um aquival.nt to 5' of the payment (but no mora than '2.50 Dnd not la.. than $1.00) may ba oharqad. Buyar may pnpay the unpaid balanc. of the AIllount rinanoed and any .IJrANCI CHARGI dua thruul1h the data ot early paymant, in full or in art, without penalty. la llOTION VI or TIll CONTRAC'1' BILOW FOR ANY ADDITIONAL INI'ORMATION ABOUT NON-'AYMJ:H'1', UQUIIIID RB'AYMlN'l' BIrOU THB SCm:DUL!D DATI POR R!I'AYMIINT or TIll AMOUNT rINANClD. III. ITtilIZATION 01" AMOUNT FINANCIo1D 1. Ca.b p~ica at Good. and Sorvio... . 24,870.00 2. Total down P<lyMnt, 3. Unpaid balanoa at ca.h pdc. (1 - ~)1 4. Amount paid to oth.r. on Buy.r'. bllhalf. S. Amount r.tnanoad (3 + 4), $ , . ~. "" o~ " o. .~ ~~ ~.. ~ ". ....~ 'r"" .b C~ '..... ,.. '!>. ... C). b' Contragt, which Allign.. .hall have allot Selllr'l rioht and r.m.di.l. 7. It any part ot thil Contract i. h.ld to b. illloal, void or un.ntorc.abl., that provi.ian .hall bl d.emed not to havI ba.n I part at thi. Contract, which .hall oth.rwil. r..ain tully Itt.ctivI. e. APPt.tClARt.1I! LAW, Thh Agr.....nt, whln.ver cal~d Upc;ln to b. con.tru.d, .h.ll b. ;oV.rned by the dOltllltic J,nternal lawl at the Commonw.alth at Penn.ylvania eXCept to the extent .upplement.d, IUper.edld or pre.mpt.d by tad.ral law. 9. ~"Cl!_ 'l'O JIlRTIIDtC'l'tON. VIlNllI! ANn IJII!RVtCll1 Thl Pltl:ti.. to thh Aor.ement con.ent and aor.e that all l.oal proceedino. rllatino to the .ubj.ct matter hereot .hall be uintainl<\ in the COurt of Common Plea. ot OulIIberland County, Penn.ylvania, or, it applicabl., tho United' Statl. Di.trict Court ot the Middle Diltrict ot Penn.ylvlnia, and III part i.. hereto con.ant Ind lor.. that juri.diotion and venue tor euch proce.dino. .hall Ue IJCclu.ively within .aid court. S.rvica ot proca.. in any .uch procoadino may ba mad. by c.rtiti.d mail, return r.caipt r.que.ted, dir.cted t.o the r..peotive party at the addre.. eet torth abov.. 10. Thi. Contract Ihall be bindino upon tha partias hereto, their heir., .ucce..or., a.. ion. Ind laoal repr..antativa.. 11. TIKI II or TlIJl IISINCIl or THIS CONTRACT. lIOTIClh AN!' HOLDKR or THXS CONlillHll:R CRll:DI'l' CONTRACT IS DUBJBCT TO ALL CLAIMS AND DIQ11fSI8 WHICIf TIIIi DIBTOR COULD ASSIRT AOAINST TO SELLER or OOOD8 OR SIlRVIeES OBTAINIID PlIR8UANT HlKlTO OR WITH THlr PROCIIlDS HERll:or. RECOVERY HERll:UNDER Dr '1'11I DEBTOR SHALL NOT EXCIlID AMOUNTs PAID Br TIm l)EBTOR HEREUNDER. IIOTIClIl TO BUYIR: (1) DO NOT S ION THIS AGRJ:IHBNT BEPORJ: YOU QAD IT OR Ir IT CONTAIN8 Mlr BLAInt SPACE. (2) rou ARII IlNTITLID TO A COMPLBTEL11 PrLLED~IN COpr or THIS AOIIIIJmtn'. (3) UNDER TIIlI: LAW, rou IlAVE Till!: RICHT TO PAr OFF IN ADVANCE THI ruu. NIOI1N'r DUI AND UNDIR CERTAIN CONDITIONS '1'0 OBTAIN A PARTIAL RJ:I'UND or Till rINANCIl CllAROI, COMPLIlTID COpy or THIS COIITRACT AND INTIND(S) BUYIR(S) ;r AGKlI TO RIlPAr ALL AMOUNTS DUE ON THIS LOAN IF Till!: IKJRROWlR (S) 'BUYER IS) rAn.s TO DO so IN ACCORDAN." .,,. z;;::: ~., ' . STUD.NT COIICNlR ~ A~ SCRIPT or A S1'UDIDIT'. RlCORD ifILL ~ .. "Y'1IU1l) ;rp LOAN PAYllBlr.r8 TO TBII COLLlOI lUUI Iar UItD'UI Oil D.rAULI' . DATIl DICXINSON COLLlOS .;3~?-~f{.. Dr ~. :Y 4-.. .. . . " .. I hereby certify that the name and address of the proper person(s) to reoeive this notioe under Pa. R. Civ. P. 236 is: Susan B. Grimm 76 Mason A venUlJ Babylon. NY 11702 Robert W. Grimm 76 Mason Avenue Babylon, NY 11702 MCNE~rr1tL~~ & NURICK By It[.~L.t t Charles T. Young, Jr. Attorney I.D. No.8 100 Pine Street P. O. Box 1166 Harrisburg, P A 17108.1166 (717) 232.8000 Attorneys for Plaintiff Dickinson College 30 MJr( ~~ . Ii ~ Q 0 ~~ ~- f1 ,~.: :;J:. 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