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BLUE CHIP FEDERAL CREDIT UNION,
formerly known as CENPENNRAIL FEDERAL
CREDIT UNION
Plaintiff
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
v.
: NO. c;r-'2J-/97 e~~
DENISE M. STEFANON
Defendant
: CIVIL DIVISION - LAW
NOTICE
YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIM 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
AN ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE
CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY
PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT
WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER
CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER
RIGHTS IMPORTANT TO YOU.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT 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.
CUMBERLAND COUNTY BAR ASSOCIATION
TWO LIBERTY A VENUE
CARLISLE PA 17013
(717) 249-3166
BLUE CHIP FEDERAL CREDIT UNION,
formerly known as CENPENNRAIL FEDERAL
CREDIT UNION
Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
v.
NO. 'l j - 3'1? 'I Cu;~P 'hv._
DENISE M. STEFANON
Defendant
CIVIL DIVISION - LAW
COMPLAINT
The Plaintiff, BLUE CHIP FEDERAL CREDIT UNION, formerly known as CENPENNRAIL FEDERAL
CREDIT UNION by its attorneys, KNUPP & KODAK, P.C., brings this action of Assumpsit against the
Defendant to recover the sum of EIGHT THOUSAND, EIGHT HUNDRED NINETY DOLLARS AND TWENTY-
FOUR CENTS ($8,890.24), along with costs of this suit and interest thereon at the rate of 14.5% annum from
June 4, 1998, upon a cause of action of which the following is a statement:
I. The Plaintiff, BLUE CHIP FEDERAL CREDIT UNION, formerly known as CENPENNRAIL
FEDERAL CREDIT UNION, is a federal credit union organized and existing under federal laws, having its
principal office and place of business at 5050 Derry Street, Harrisburg, Dauphin County, Pennsylvania 17111.
2. The Defendant, DENISE M. STEFANON, is an adult individual residing at 1855 Lambsgap Road,
Mechanicsburg, Cumberland County, Pennsylvania 17055.
3. On or about May 18, 1993, Defendant did complete and execute Plaintiff's Loanliner Application
requesting credit. Same was approved at Plaintiff's place of business. A true and correct copy of said
Application is hereto attached, made a part hereof, and marked as Exhibit "A".
f. IUSERlKATHYICHPLAINTl24049, BLC
4. As further evidence of the terms of the loan is the Credit Agreement and Truth in Lending
Disclosure as well as the Loanliner Interest Rates, both hereto attached, made a part hereof, and marked as
Exhibit "B".
5. Defendant is indebted to Plaintiff in the principal amount of SEVEN THOUSAND, FOUR
HUNDRED AND EIGHT DOLLARS AND FIFTY-THREE CENTS ($7,408.53). A copy of Plaintiff's Statement of
Account is hereto attached, made a part hereof, and marked as Exhibit "C".
6. Defendant has defaulted in the payment terms as agreed upon with Plaintiff.
7. Due to Defendant's default in payment of said amount due and owing as aforesaid, and under
the terms and conditions of the said Loanliner Credit Application and Agreement completed and executed by
Defendant, attorney's fees have been added to said account in the total amount of ONE THOUSAND, FOUR
HUNDRED EIGHTY-ONE DOLLARS AND SEVENTY-ONE CENTS ($1,481.71). A true and correct copyofsaid
Credit Application and Agreement are attached hereto, made a part hereof, and marked as Exhibit "A" and "B".
8. The balance due and owing by Defendant to Plaintiff is the sum of EIGHT THOUSAND, EIGHT
HUNDRED NINETY DOLLARS AND TWENTY-FOUR CENTS ($8,890.24).
9. Plaintiff has frequently demanded payment from Defendant of said amount due and owing as
aforesaid, but Defendant has refused and neglected and still refuses and neglects to pay said amount of any
part thereof.
F:IUSERlKATHYICHPlAINTI24049,OlC
2
WHEREFORE, Plaintiff brings this suit to recover from Defendant the sum of EIGHT THOUSAND,
EIGHT HUNDRED NINETY DOLLARS AND TWENTY-FOUR CENTS ($8,890.24), along with costs of this suit
and interest thereon at the rate of 14.5% annum from June 4, 1998.
Respectfully submitted,
Robert D. Kodak
407 North Front Street
Post Office Box #11848
Harri::burg, P A 17108-1848
(717) 238-7151
Attorney ID No. 18041
Attorney for Plaintiff
"
F: IUSERlKATHYICMPlA I NTI24049, OlC
~-1998 11 :44AM FROM BLUE CHIP FCU 717 564 1469 P,5
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ICATlON "flU!AUl'!llHTC'NINI<lOArtPri,' ". p. .'.. . 'H~""ti"'4;PIi'"f"" (7'M"-300f">':,':" em
ou" Of "y~," """" ml mtmblf and &111 )01,., NUtld (If Ipplleal)lI). montl'llnCl LftdtttrlllCll U\II: In"",. Vl(~ awut on theu oargel V\t ume n It lCCrun Cllt
Ctldit Inwrll'l(f II W11t1tWy _lOt tlCultM II Mlr.. ootIIn "","u. You may If*, IfmI'U ~ 1l1tWlC" ~ WllCIGOC!to )'OlI'lOM h11l'C1. DOIIOT SIGIt lIISAl'Pl.lCA11OH
OlrIlnsurlfOlyour_. V.. ''''tSllIIOIhod..'l*Hnd lDMPIIn.,,'"'IO,_' 1>0", IP II C01ITAlNl AKt IUIlIIPAI:Q. TII~.,,_ ~ VII~ ..~........ ....,..
Your L~ Plan m(i conSiSt 0' one ot men Low. You 111 aDOMna to the 5oci.ty'Ot ('ecIIl CWnt' aU .11I11 .... ~M ftII .... ~. U tilt III"" "" .. "'1ItO lid
wutlnC'l. You lutnonre me ell fS lor lnsuranUIO be ,~dtlf 10.' ur loan e&l.w:t.ad! 1111'" lilt AItIlcatJM, .. " ... A,plktdoa ... MIII"'I ..........
MDfliI' DATI 01' III'\TH At; Huu "IIIoUI Ti,
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t FO W STATiM S MJJ)fi BY YOU An R ATlONI AND B TO T OUR kN B eJ'.
Clll!DIT LIFE INSURANCIi CIlI!DIT DISABILITY INSURANCIi
va COV!JlI.G'I CTm YII N ae aau:
....LlCllIOtT.- COCTPlAll00MYOUA 7.517 '-/ CfIIlQrrDlIAllJTV
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65 UAlOUUU AG. NONE
UNOCA AO ~ !NC\JIWlCCl
UJ..AMClI NIl LOI.H"CCOUNT
30.000
IIl.Ii 0 BE IHSUFlED
-
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1 .~ IN~O ~,1AT:ON
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FROM BLUE CHIP FCU 717 564 1469
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CENPENNRAIL FEDERAl.
5050 DERRY STREET
HARRlSBURG, FA 17111
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'/'OU "[OUUT hiE O~~ NO
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t~"iLl~:~llT~O~'T Ag~'L~~; $
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SA=2~'J SIGNATURE
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l..IST ALL D[BTS: II.... AII'l\, "'*11.... "'0110. 0.". Cw.. CfWl UrIl..., ,1I~, 'IC.) AnAC.. AOOIfIOHA~ PUT II" Hf.CUC4lI'"
PRESENT IALANca
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NiW POSITION
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Projected Loan Term: 61 MONTHS
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~1~NATII~r:~ ~lnN ~;I.~'1
BY SlGNINQ allo\ll OR UNDER THE ENDORS~EHT ON '!'HI ADYANeII' PROCI!DS CHIIlCk YOU AGIlU:
. to M"~E AND DE SOUND BY THE TERMs OF THE SECURITY AGREeMENT.
. THAT I!V!ftVTHI~G IN SECTION 2 Ie A'COU"-!T'! LISTING OF ALL YOUR D!8TS AND ODUaATfONS.
. THAT THi CREDIT UNION WIUo RELY ON THe IHFORMA'I1ON JH SUCTION a TO MAKE A DEetSlON ON THIS ADVANe!.
. TO MAItE PAYIIENTS AS gJSCl.OSEO IN SECTION 4.
.. TO THE TVlU(lo) DlSet.08ED 8ElOw JF'ANV 0H6 on MOAa ITEM(CJ AR:Sl: CH.I!:CICED.
YOu ARE: MCEIVlNQ 't'tIU AM: PlEOGlNCi SMA.!!! 1'0'1 ~ AMOUNT
. CASHlC"ECI; ADVANCE. ~ ~ TtlE SECURITY OFrERStl Sl!CTION.
&IONA.Tl,/Al: OW1'II';;A all COl.I.ATe:~ (0\N0t ''''Ill . Iorr_J o,.,Ti SlGMT'UAl!
". YOU ARe NOT It
aORROWlflIUT AN
OWNIROfI'TJ4'
COLUTIJtA1., DkdN
ELOW ANU CHECK TN&:
AHLtC.I.IIU aox.
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OWH1ItOl'COU,ATE'IW.(OD\tIdIIn.~ DATIE
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DATE
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8 FOR CREOIT UNION USE ONLY
REOUiaT.EO: TAANIACTIQl'I;
'III!I'T D m.5UfUNC!
ACWAHCE I;'AANOt
8tJUEOU'NT
ADVANCE
Ct"lI'OSfTAoCCT. NVWlUl
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P'I".Ul.I8U8.\CCOUHTNO. 015
1
BRANCH Nl./tIIIBER
AUTOMATIc:
"AYMl!tiT
MILlTARV
AUQ'rI"!NT
21533
REF.e~ENCE NUMBER
105
PCIOC1:SSEI1 UY
cc.u"", KlTU.&&. t~:1 SOCIE1Y, 111"'~, a.l, II. 89.~."U. flOO'S IUSlIlVED
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6-09-1998 1 2 , 53pr~
FRor~ BLUE CHIP Feu 717 564 1469
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CREDIT AGREEMENT AND TRUTH IN LENDING DISCLOSURE ,
TIlls LOANUNER> Cledit AgrHmtllt and TMh In L.ndlng OIScl~Unl WIll be referred 11l DEFAULT - You wil be In default II yocj do no1 rom a paymcot of Ule amount required
as "this Plan", "You" and "you~' mean GoIeh person who slgnsmb Plan. The "crld~ wllen it is duo. You 'NiI1 be In dolJull n you brllle any Plllmbe you mad. undtr this Plan
union" means 1/Ie credit union ",ho$e n.1M appealS aDOW or anyono 10 v.tlom 1/Ie credrt or n anyone Is in def~ under any secllritf 1Il1llOmont made in connoctlon v.ith an a<lvanee
union transfers Its riQhts under this Plan. ' under this PWl, You wig be In default If you dil.liIe lor banJcnJ~y, bocome Insolv.nt.
HDW THIS PlAN WORKS _ TIle credit union anticip.tll that you ",II borrow money , "you malul any laIae or mlsleadoo slltemenlS In any crudlt apjIicallon Of updll4 01
Cc~l.d advanC4s) under 1/IIs Plan Irom rtme l1ltime. The crld1llllllan. hcwmr, I. nOl ' mdlllnlorrNllon: or n lOmett<<lg happce v.tkIIltle credit union bWvlS <NY SUhsWnbIIy
I1qulred 10 mite admcu 10 YOII uAder I!lls Plan IOd CID mIlS. I raqaed lor.. ' redu" yocu ablilY 10 ItP3Y WhaI you owt. ,
Idunce II lilY Uml. The Addendum deacnDes Ule clinerent lYIIllS of credit (called ' Wh<n you arl In dafaull thl credit union can dtmand Immedialllllyment 011111 InUre
subaccounll) .vall.bla ulld" 1/111 Plan. If you ha" bun approved for credil under a unpaid balance Wllltr lhIs Plan without gMng you adv3llce nOllel. ~ Immldlall payment
.ubic;ount m.~d with a ,,,r Co}, you "'"I be glVlln a speclf~ credn limn lor 1/111 ,Is dtmanded. you wil conunUI 10 pay Inwest, allha IppIi~ble IntareS! rale$ In ertm
Illba~nt, For 01/lar lubar;counts you may nel be givan a Illednc dollar hmlt. ' , . un<ler this Plan, un~ whit you OWl hu bttn nlpaJd. ~ a ilemand lor Immediate payment
PROMIS! TO PAY _ You promisel1l repay to 1/Ie 'cridlt union III .dv.nce~ mode to /I&S been made, tile shires and deposits given as $OeuMly lor 1/I1s Plan can bl IPpild
you under tNs Plan and any ~lcabll charges described In ~h' Add~ndum 10go1/lerwilh towards wNt you ewe. The c,nldi! .unJ~n ,can ~ ~!fbe any other Mghts gtvon by law
Interesl on what you OWl until 1/Ie tow amount has been repaid. The Interest rale cltpends ,wflon you ara In delault. " ",,',;, ;'.':," :.'. p": i,', , , '
on the subaccount undot wflJch the .dvanC4 is made. T11e Addendum shows the current , ,PROPEl\1Y INSlJRAH~ - YOl,-..l bellqulrud to,~rChase property Insurance on certain
interest I~" as dally periodic milS and 1/I~r cotrlsponlllng annu~ plft8rmge raw. 'types 01 secwitythat you giVe lc.,'advancas. You may pun:llase the prope'li' Insurance
II Ole interest "lie for any oi aiadvances Is a wriable inl1rost ral1. Ule Addtndum expl~ns from anyone you choose thslls 'i.ccePllble to the Credr! union. ',.. ,
how the variab;e Interest rale works. ., ..",.CAHCEUlI/&'OR CHANGiNG TlIis PlAN _' n.B'crerJit uniQnhas'rlle iigl7t to chan~
PAYMENTS - The amount ot payments for 311 advanCllIS determined according to the , the terms of this Plan trom time tn time after giving you any advance nolk:e required
payment schedule In!he Add<ndum. ~lY1!"nts ani due on Ule last day 01 each month , by law. Any chanQt 11IIII apply to rul1Jre advances.~ art119 cliscretion 01 the credit Wlion
unless a ditfellntcW IS set by the cred~ UIlIOl1 at 1/Ie time 01 an advance. lithe AddenclJm , and subject 10 any nIll<Jlnlmems 01 the applicable law; will also apply to unpaid b~ancas,
has no payment schedulo for a subaccount, the amount and due date of payments will An increase !n1/le d~1y periodic rail undU a variable Interesl rale Is not considered a
be determined lithe time 01 each advance. ' ,change ,In ierms under this Plan. " .'" ,,', ;, ,~..""",.., ,,' ,',o',' '.. i.,.. .,'.. ,
PaymenlSlMlll1c1uclaany amounl Pall due and any amount by wlich you have exceeded The crear! union can ancel irni 'e~ur;'Piin' ;);..~y part ~ ~1s PI;;.' at any ti';". Vou
3IIY credit IImll you ha~. bee.n gIVen lor a ",bac.ount. You may prepay all or Par! " , c.n cancel this Plan al any time. Y",r obligation 10 pay the unpaid balances undor tho
what you owe al any tima witllout any prepayment penalty.. tenns of this Plan conllnull$whotharyou or,tl1o,cr~dl1unlon canc<l1hls~ or any pm
CllST DF CREDIT - TIle dollar amount you pay for money borrowed ~ called a finance 'of,thIs Plan., ',' ': ---: ':..,,',.';.\.',,',;,' ',~;, ),.(, , ,i :",::.,.'''t,\r;' ,';' "
challle and begins on the dale 01 each advance, To cOlllJ!ute the finance charga, the ,',; STAinlEHTS AND 'NonCU _::o;,~'i8Q~;;~Yo~ ~i~;;~~~~ s~lng
unpard bal8OC1llor each day slnc.e your last paym,ent (or smce an advance If you hav. :' Jllltransaclions under 1/Ils Plan duringt119 ptriod cevared by 1/1. st.lteinant,.8laIamenlS
not yet made a p.yment) Is multiplied by the applicable dally periodic rate. The sum 01 " ,and notices will, be mailed 10 YOl... II the'most IICOlIt adllr1s$ you have giv8n the CI1lcllt
thes. a!OOunlS IS Ihe finance charge owed..T11e balance used to compute the financa, ,',:.uoJon ,1n,writllg. NOlita la" ..on., of you wll be /lOtlce to ,aU. ",";'" .:, ~:" :.... . ,
cliarge IS the unpaid balance each day alter paym8fl1S and creclllS to llIat balanu have '; ,:;,'. ' .. ' "n, ..', :,'" ~;.., ','" \ "".' , ..,.... :.," , , , ':'... "
been ,Sllblracled and any new advances hav. baan added. A nnanes cha<U8 will t>s colTlll\ll8d .... : JOI!lT.ACCDU.IITS.- ,If this I~ a J?h1t aecounl. ,each of you authorlmsth. oUter(s) to
separately 101 each separate balance under lI1is ,I'lan." ' , , :' , ,'::: -:,: ,:, Qet IdVanceS ,ncllvidually uncler,ll1is Plan. ThaI m.ans In a~ can b., made upon
SECURI1Y IllTEREST' _ You agree that all alIVances under 1/Ils Plan wii be sscured, ' ~:; thereq~e!\ of only"~ 01 )IW and ,that.the.ch~ can be lS1lued to only.one cl .you.
b th hates dd '. II" and'rfrvidIW IS have 'ththecrllen ' )f\'OUl)lV8lnconllstantinS1l1Jclions;Ole'credltuaJolrcanlllusetofolowyoll'lnsb\H:tions.
u~on ~end::' 1I1a=:s~~~_lWIbe~~=~gon~es.maccou~ ~ ,;;,~:'oUhoSG wf10 sigrrthls P1an.wIYli<ilnc!ivldually and lolnlly raspOnsitla fo"payi~g
under which an advance:1s rcqueSlld. For',example, a subaccount called ..~ Car' ',::,ttle entlre,amo!,", owed ~nder.tlIlS,Plan., That me.ans the ereell.l union can enforce ,ts
, Advances" means the security will be a new car. ShareS and depo.1ts in an'lndlvldual ,';'. MQllts u~r, ti1is plan aQaUlSt.~ ~;ot~9'! 1~,d~dualIY, or,..~,I!! p!;Y~'!l tlN!'her.,
:.' Retirement Account and anyo1f1er account that would Iose'sp'edal tax treatment under ';:: UPDAnNlIINFORMAnOH'.,.. )'ou promise lhat yoci'wlU promplly glva llIe credtt W1lon
. 'state or federal law II given as security are ncit stllliect 10 the securilY Interest.you havl "'" 'c.wri.!1errnolk:o ffyou move. change your nemaor'!l"PlllylTI<nt. 'orWany omit Informatlon
given in your shares and deposits. ' ,',' ' " o':: ,.,',' ,;' you'proVlded 11l,me'credlt u~lon,cllanges. You aISo,agm to proyide tha crecf~ union
, ".., ".".,..,. " ..',... ,'....u....tad'financiallnrormatlonabout' rseh oii' U8S1 : '~'-',."'o',"'""".. .
, ,Property, given as ..cumy under, this Plan or for any other loan wil secure all amounts' ..: ,,' .~ " '. " ' ' ,q,. , .... ,... ~'" ..~ ,~ .' ,,,.'" . ,,,, ,<' , ',' "
. 'you owe the,mcIIl unlon new and in the lutUro. 'Howev";'the credit union specillcally' ,..';;;;T!1e,credilUJIion,can clelay,enfon:iligany of its r1a/itS ~ innnber OI:~mas,ivl1iioui'1osing
'. waives any securitY IniereSl tt may have In yourctNelinQs gMln ~ugIt ~ other mol!03,ges" " ;::JIs,righis:Jf the laiN makcs'any ien,i($) ~! 1l1l~ P1ai\ unen.fon;~~,th~'01lier-lelJns will
. .: . or 5eturity agre&m&ntS~_ . . .: ' ,. . ~.,~, '/:;.'>:::.. :..':; . '~.:: .. f' ':.:' '..t:':~.::';..-~':.~n..ln. 8~~:.: ': :;~.:~;!i~;r.,~;:~~.::;~~(.:;,:r:.'~:'.,:'~~~:.~:J:.::;':':~,~~:.:~tr:. ~:(;:. :..~.:.',
:';' PLEASE SEE THE ACCOMPANYING ADDENDUM FOR A DISCLOSURE OF THE VARIOUS LOAN SUBACCOUNTS.
',:, PRESE~ ANNUAL PERCE~AGe RATES, DAilY PERIODIC RATES AND ANY ADDITIONAL II/FORMAnON,
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YOUR BIWNG RIGHTS-IlfEP THIS NOTICE FOR FUTURE USE
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T11ls notice contall1$ Important Informatlon about your rights and our reSjlonsibllilles
under tho Fair Credit Billing Act. '
NOTIFY US 'N,CASE Of ERRORS OR QUESnONS ABOUT YOUR STATEMENT. II you
think your statemanl is wrong. or if y'" need more inlormation about a tran.ac1ion
on your statement, write us on e separate sheill at tho adcIrvss listed on your statement.
Wrlle tn' u. as $OOn as possible. We must hear from you no later than 60 days after
WI sem you the first slotemcot on wflich tho error or problem appe.ara~. You can
telephone us. but doing so will not preseMl your rights,
In your letter, g~e us the following information:
. Your name and accounl number.
. TIle dollar amount 0I1/Ie stlSpacled arror.
. Describe the error end axplain. if you can, wfly YO(J beNeve there is an .rror.
,;,' , If yo,u n88d more In'ormadon. describe Ule item you era not sure about,
;.: :~:: If you have authorized us to pay a credit card .?etOunt automatically from your share
,,' eccount or share draft account, you can stIlP the payment on any amounl Y'" think
I. wrong. To stOP the paymant your letter must rsach us throo business days before
the autom.luc payment.ls scheduled to occur.
)'OUR RIGHTS AND QUR RESPONSIBIUTIES AFTER WE RECEIVE YOUR WRtTTEN
NOTICE. We must aCknowledge your lener within 30 days, unless we hava correc1ed
:-,;;, the error by then. Within 90 days, we musl either cerract till error or explain WIly
we believe the .tatement was correct
;,
After we receive your letter. we cannoltlY 10 collect any amount you question. or rapOrt
. you as delinquent. We C2n continue to ~nd statements to you fOf'the amoun1 you
questiOn, Incfuclino finance charges. and W'B can apply any unpaid amount against our
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Dut you ara .tiU Obligated 10 m the paris of your .ratsmenl that ... not In qullSllon.
II we find that we mad. a mistaJce on your S1at.m8flt. you will not have to pay any
finance charges ral~ to any QueSliOned amount. If we dldn't, maJce a mIstaks, you
may have to pay finance charges, and YOlJ wii have to mice u~ any missed PllYllleDlS
on the questioned amount. In eitIler we. we will send ybu a statement 01 the amount
you owe and tho date that it Is duo. .
~ you fall 10 pay 1/Ie amoum thai we think you owe, we }nay r:eport yoU as delinquent,
However, II our axplana1ion doss not .Ilisfy you and you wm.,to us within ten days
telling us thaI you stili raluse 10 pay. we must tell anyone we rejlort you 10 lI1at you
have a question about your sta1ement. And. we must tell you the name 01 anyone WI
reported you to, We must tell3llYO"" we report you to that lI1e Inaner has been sll\1led
between us when II finally Is. '
If we don't follow !hes. rules. we can't cal~c1lhe first 550 of the qUllStioned amount
even if your statement was correct. . . ,
SPECIAL RULE fOR CREDIT CARD PURCHASES. II you have a problem with the Quaily
01 plllpetly or services that you purchased with I CI1lc1lt card. and you havo lried In
good fatlh 10 correot the problem with the mercham. you may have the rfght nOlIO
pay the rem.llnlng amount due on the prDP&tly or services.TIlere are two Umltations,
on this righl: Ca) You must have made the purcl1ase In your home statll or.llnOlwilhln
your home stale, within 100 milos of your current m~llng address; and (b)TlI8 pU~
price must have been mora th311 S50. ' ,
These limitations do nol apply il we own or op.rate the merchant, or If we mailed you,
a . e the propsltY or sel'Vices. t'. ."
6-09-1998 12:51PM FROM BLUE CHIP FCU 717 564
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6-09-1998 12,51PM
FROM BLUE CHIP FCU 717 564 1469
P.6
II
BLUE CHIP FEDERAL CREDIT UNION
II
LOANLINER INTEREST RATES
ADDENDUM TO LOANLINER CREDIT AGREEMENT AND TROTH-IN-LENDING DISCLOSURE
EFFECTIVE APRIL l,199B. This ADDENDUM is incorporated into and becomes part
of your LOANLINER Credit Agreement. Please k:eeo this attacljed to vour
LOANLINER Credit A~reement and retain for futur~ reco~g~. .
The ANNUAL PERCENTAGE RATES and corresponding daily periodic rates for each
loan sub-accounts are shown in Section A. The amount: and due date of
payments are disclosed in Section B. If Section B has no payment schedule,
the amount and due date of payments are determined at the time of the advance
on the Advance Request Voucher. Other charges that may be imposed are shown
~l~. . . ,
A. Loan
Sub-Account
Descr:i.ption
---------._--~-----------------------------------------------------------.----------
Daily
pedodic
Rate
ANNUAL
PERCs:NTAGE
RATE
B. Your minimum payment
is calculated after each
advance as shown below
. I:
------------------------------------------------------------------------------------
Share Secured 0,016438 6.00%'.- The amount and due date of
Signature 0.043808 15.~9% your payment will be
New Vehicle 3Gmo 0.019178 7.00~ 'eseablished at the time of
48mo 0.019963 7.25% each advance and will be
GOmo 0.020547 7.S0%' disclosed on the voucher
72mo 0.021~17 9.00% accompanyin~ the advance.
Used VehiCle 36mo 0.021890 7.99~
48mo 0.022603 8.25%'
60mo 0.023288 8.50%
Older, Vehicle 0.024658 9. oo~
Holiday Shopping 0.029863 10.90%'
New Recreational
Vehicle '(90%) 0.027123 ~.~o%'
Used Recreational
Vehicle (80%) 0.028767 10.SO%'
Share Certificate Secured- ~ 2~ above Index rounded up to .25 of,. one percent (it) .
Line of Credit
0.039726
14.50%
For Line of Credit Advances your minimum monthly payment will be,
If OUtstandino Balance is,
----- Up to $ 1,000.00
5 1,000.01 to $ 2,000.00
$ 2,000.01 to 5 3,000.00
$ 3,000.01 to $ 4,000.00
$ 4,000.01 to $ 5,000.00
$ 5,000.01 to $ 6,000.00
$ G,OOO.Ol to $ 7,000.00
$ 7,000.01 to $ 8,~00.00
$,8,000.01 to $ 9,000.00
$ 9,000.01 to 510,000.00
S10,QOO.Ol to $11.000.00
$11.000.01 to S12,OOO.00
$12;000.01 to $13,000.00
513,000.01 to 514,000.00
S14,000.01 to 515,000.00
Your minimum oavment will be:
5 50.00
$ 70.00
$ 95.00
5100.00
5125.00
5150.00'
$175.00
5187.50
$200.00
$250:00
$275.00
$300.00
$325.00
S350.00
$375.00
C:OIoLJ::C"r!ON cosrs: 't'ou promise to pay all costs of collectin~' the amOunt you owe, under' this
A~reement inclUding but not limited to court costs and reason~ble attorney fees. "
"The Annual Percentage Rate (APR) fOr share certificate advanc~s will be the share ,certificate'
rate (index) plus the OlpplicOlble percentage shown above (21: above index). Thll APR willneve:-:>,
,be lower than 6% or more than the maximum rata allowed by the Federal Credit Union Act. If there
is an existin~ balance on the date of another advance, the existing balance will be added to the
new advance and the entire amount will be at the new APR. Any increases in theAPR will result,
in more payments of t.he sa'me amount:.' .
.
FH r. r.:nrnr
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BLUE CHIP FEDERAL CREDIT UNION,
formerly known as CENPENNRAIL FEDERAL
CREDIT UNION
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff
v.
NO. 98-3497 CIVIL TERM
DENISE M. STEFANON
Defendant
CIVIL DIVISION - LAW
IMPORTANT NOTICE
TO: DENISE M. STEFANON, Defendant(s)
DATE OF NOTICE: AUGUST 13. 1998
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED
OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE
OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING,
AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU 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.
CUMBERLAND COUNTY BAR ASSOCIATION
2 LIBERTY AVENUE
CARLISLE. PENNSYLVANIA 17013
(717)249.3166
NOTICIA IMPORTANTE
A: DENISE M. STEFANON. Demandado(s),
FECHA DE NOTICIA: AUGUST 13. 1998
USTED NO HA COMPLIDO CON EL AVISO ENTERIOR PORQUE HA FALTADO EN
TOMAR MEDIDAS REQUERIDS RESPECTO A ESTE CASE. SI USTED NO ACTUA DENTRO
DE DIEZ (10) DIAS DESDE LA FECHA DE ESTA NOTICIA, ES POSIBLE QUE UN FALLO
SEIA REGISTRADO CONTRA USTED SIN UNA AUDIENCIA Y USTED PODRIA PERDER SU
PROPIEDAD 0 OSTROS DERECHOS IMPORTANTES. USTED DEBE LLEVAR ESTA NOTICIA
A SU ABOGADO EN SEGUIDA. SI US TED NO TIENE ABOGADO 0 NO TIENE CON QUE
PAGAR LOS SERVICIOS DE UN ABOGADO, VAYA 0 LLAME A LA OFICINA ESCRITA
ABAJO PARA AVERIGUAR A DONDE US TED PUEDE OBTENER LA AYUDA LEGAL.
CUM8ERLAND COUNTY BAR ASSOCIATION
2 LIBERTY AVENUE
CARLISLE. PENNSYLVANIA 17013
(717)249.3166
EX1-IIBIT B
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