HomeMy WebLinkAbout03-0903
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNSYL VANIA
(/
PENNSYL VANIA STATE EMPLOYEES
CREDIT UNION,
NO. 03 - 903
C'U'\C~€tut
Plaintiff
vs.
MARTIN L. COOK and KAREN J. COOK,
Defendants
CIVIL ACTION -LAW
NOTICE
You have been sued in Court. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after this Complaint and Notice is
served, by entering a written appearance, personally or by attorney, and filing in writing with the
Court your defenses or objections to the claims set forth against you. You are warned that if you
fail to do so, the case may proceed without you and a judgment may be entered against you by the
Court without further notice for any money claimed in the Complaint, or document, or for any
other claim or relief requested by the Plaintiff. You may lose money or property or other rights
important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HA VE A LA WYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE
SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
NOTICIA
Le han demandado a used en la corte. Si used qui ere defenderse de estas demandas
expuestas en las paginas siguientes, used tiene viente (20) dias de plazo al partir de la fecha de
lademanda y la notificacion. Used debe presentar una apariencia escrita 0 en persona 0 por
abogado y archivar en la corte en forma escrita sus defensas 0 sus objeciones alas demandas en
contra de su persona. Sea avisado que si used no se defienda, la corte tomara medidas y puede
entrar una orden contra used sin previo aviso 0 notificacion y por cualquier queja 0 alivio que es
pedido en la peticion de demanda. Used puede perder dinero 0 sus propiedades 0 otros derechos
importantes para used.
LLEVE EST A DEMANDA A UN ABODAGO INMEDIA T AMENTE. SI NO TIENE
ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE P AGAR TAL SER VICIO, VA Y A
EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUY A DlRECCION SE
ENCUENTRA ESCRITA ABAJO PARA A VERIGUAR DONDE SE PUEDE CONSEGUIR
ASSISTENCIA LEGAL.
Cumberland County Lawyer Referral Service
Cumberland County Bar Association
Two Liberty Avenue
Carlisle, Pennsylvania 17013
717-249-3166
, .
Exhibit A
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$ot;.al SecLiflry ~.o I cr l - Lf <.. - 0 <. ~ y Dare 0' 6.rtn . (-~-: S- ,
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"tEASE PRINT IN INK "PPlICAno-;
P.ETEl Y INCOUPlETE APPuCA TlOi
INSfRT "No'''' , "OR ITEl.CS THAT DO
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PLEASE READ AND SIGN THE RACK OF THE APPLlCA nON!
V"O oCt USE 0"<l'
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APPUCATION ANO "OfE
PERSONal SERVICE LOAN AGREEMENT
1. ~........................ ~~ 10.., 10... "'-~.liI .. ~ c... UIlior,. or order. III MIOUnI 1ClUI/1O;",,,,,, ~
.....OMI CM ~! ,,'-...........111I CftcIl UniIoft. _......., _'......11I.... """"110 not .... ~ lIIen~, willi.......
0fI ... ........ ...,.. .... ... - __ .... .... 10 .... .. .-~loecI ~ IN Ioerd '" o..ceor.. .
, ""................ lie -. ... ..... " . ~ l01I! -... UI'IllI ---.s ~ CIMII.MIon or 1IIldIrIIg.... .. ""'" pIIMded.
a "" --- ... II .........10 lie........... ....10.....10 ... Ul_.....4, or" -..lIIIft 0ftI. 10 an, 0IIt '" IN t.'" 1IlMllIer. upllft lllI or flar IIlcIIwIduaI
..... ..........,.., lUll! Ill."......... In... A,lpuull ,"""'11I...". OO'.....JIldIoIO 10 ~ ....,.. 01"""" _..lei..............
....... ... ...... IUIIl ..... lit "'--"-u"'v IIMoerM ..,....~...~.
C. A..... If ..-.... .......4 ...... M... .........1UIllorIly1o c... UniIoft II........ ........10 hI' .. !hi............... .,.,..... ___
...-.. ... - ~ ... ....II! ... .... _10 III -"1IlIIl... ....... -. ..... . ... PIItr... f If" IIJ ... --, Md ... 11I=..4 ..... _- f'lll
III ...., .... -..... .... . C>IlIt UnIoIl III' .. - .. ......... _ .......- 0IIt . _ " .. Ul......... ...., _he ftO ~
L TIle -- " .....II~A ..... III .... OIl I." ,.,..... IeMoe ~...... ~.L ~ r "11 .... IIllI ..... ~ ... ...... aI\d _ 01 ~ III ....... '"
............ --- - -......., -"........ .... .. ... _II ., .........: ~, ,,-,-, _ _It __ _ llC>'"IOIr _ .. -..... IIlIt ............
......... .. OMI UnIoIl.
a TIle..., In MIIoII..... .t......_4 - .... ~ .. c- UniIoft upon !hi ...... ....... ..... lie bincIIftg upon 'he u~
7. ... 0I..1alIoMng -- -. .. _ Ill'" WIlo", uncIet .. .....11. ..".."., willi --... eftCI tIftee, IIIeII __ ~y Clue Md -... In
... c...lJlIIon'e ............. ".,.....lndude IIuI NIl lie ........10 -..y......1Ild ~ COIllI ~ 10 '"""~) ~ cllha CIUIalMdIng IDIIl baIeftca.
.. · Ul*ol.......... .... 10 .., .. ......._. .. .... '---' ..... LNII ...... clue;
.. · Ul.....44 ...... 10 ..... Mid ........ 8enolca ~ -...;
Co . Ill....... ... ~ or ... furIlllJIlenr 11I100.....,. or ~ lNl _ .....;
d. "..........11I ~ lallacf IIy or ..... 1Ie~. or ...,.., 01........ Of " ..., '-oa' Of equlIable ptOeMdl"O . ~ ia enterwd. or . WI1l 01 ~
- ........ ...... .. "'- ....-4. or ...,.., 01 "-:
., "uncMl.....4 Ot Illy 01__ ...;
, If llIlCleo-9oed Ot Illy 01__ ....1Ily...... cNnoa In a.-1IIlMcIIflO Md..... ~ III NllIfy Cr.dit Union "*-d in wrIIIng;
.. If..., ~ IoenM IIII!le ...-...*' Ul"'IDr" ....._.. Ie UMCl ~ __ 1Dt..., IlUfP08I '** INn ..., In Itte ~ 1Dt~.
a The .---.. II' r I J . 0..01 c.... UIlIOIt'a dIedIII ........ III .....~..4. Ot eny _ 01__, II' .,.. ~ by CtMIl.Union oIloM 0fIIIl ........
~ .... "'~oed II' eny ",..... Of .. - oIallafter -- en (MAC) or .... _1Dt eleCl._1iC8IIy -...no Itte ......... s..,,;c. Loan. 11I8II lie ~
proof 01. ~r_I"'., III _....oce ... .... ......... c- Urtlon ...., .... .11II .. apIlon. 8dcl1D tNe 10M lI8I8nee: Itte _ oIeny ClIedlI'8OeiWd
"- .... ............., II' .., - 01 --. in - in __ 0I1tte aII8tw ~ ...... alanclIng In Itte _ .. __ by .ny .mounc 0111I8_ pIedgecI ..
--- -.rIIy on .., 10M; .... _ oIeny _ -.. III .,.. c- Urtlon.
.. "Ie 8Il'Wd IIllI lie UlICI8rIigrled ~ joInlIy Md -.IIy __ ..... .. 1lCM_ UIldet .... ~ _ ~ .ncl wilt lie iIMCl ~ IDt provident
II' ~ putp08M.
10. The rigIlt fill" ....,....u 10 ful1Iw ~ UIldet.... 110'-......, lie..........., ...,"",- by Cradil Union If in tIte .,.. opinion 01 C~ Union Itte
ClIlftllnuaIiOt 01 ~ '*-'- Ia NIl III .. b8Il ....... 01 CIWdll Urtlon Ot . ---... T,,", t1g/tIlD """- _.ne.. ....y a!eo lie Ie""'_ by wr1IIM notice
10 CfWdoI Unlon "- Itte \IflCIeraIol*'. llul--=" --~, -'1llII -'*' eny ..... ..- '*-' 10 Itte Cradil U_ III _ .ny "'Olley _ III _ llflCIer Itte
""-01......-- '.'~:" J'
" The ........*' ~ ~ .. .......-...pllAA 1ItaMa."1lIICl ~....,... wfIoc:fll/Wa _'...... 01 .......... may It_, ......... ....., inclMclUlllly' .,
or jDonIIy - Itte ..._...*' lit Olflefs In Illy - ~ _ _.., lor ... _ T.... ~ .. eo- 10 MCU,.1tte payment 0I1tte loan ."".......... ti....
or .. c:ftatvaa. COIllI Of ~ ..... ...." - "*-t. and INiIIa ~ ....... .",. C_ U"..... 10 apply .we" paocl .".'" and IMY_ 011 11I8_ III Itte
~ 01 Mid Ioaft _ --. __ ..... CfllItgaa. ~ II' ........
11 ,..,. C/Mll Union can accepl IN peymenca Of 1M.... peymenca ........ ... ...., 0111II ..... llflCIer ..... 80'.........
13 IItItte alleOlulD ~ 0I1he ~'actol~. tNelDan ....,......nc.cJ III _ any IOMM onc:...._ by ,... C'.c~ Un_ In co""tIct_."" any __ 01 wtMc:It
I am ." -- Of jDInl -. lit Ilor_ lit co-flOr.... or ..., -.c...IC_ wfICft ~ ... .. ...., ~ accounlf.' Of IOeftcIl Tile _c_ oIltt,. ."''" by Itte C'adf!
UniOn 11I8II NIl, '-"et. ~;'''' ~ aiII'! ~ c~ ........ .... 10 .... 10M _...,.
14. ,..,. CrwdIl U- ~ .... ,... 11I11I .... ....., 10 ......... .... '-"WIO IlaIIIlo:lt 011.... ._ . ."., ,._
II TIle l01I! .. Macle III Hatnabwrg. ~.... by .... c- u.-,'. ......... .., "'-...... T.... _'ad _ lie peo...., by Itte .... 01 .... c-.......... 01
P._. MIa. . . . . .
14 '.... .-_.. --... lite .... ....... ---. .,.. ..."... ~ ...... lie -'*' ....., ... ..otoftg ...... by .. Itte 1>8,,_......., Neot_.......-
-........".. "*-'del - -~'.,...,.. ~.... ......._-4
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.~.... -+t'f SIGN
/ ,. . . . HERE
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@
REOOEST FOR """1Al AO'taHCE
... "'l.'1UR ~ .. A~O .u.o 10V ~ ooor ''''~(:> 0..,- '- 1'('>lIr000 -oua '~'='" ._. _, Ilf F""""" ~t'.... . .......' wtt t "'''IT AfCFI\'f A1\j\'
'uocs V'Il'. A 8It'~ST IS ~Tf:O" a l~. "_
~ ~ 01'" ~ ~.. ~ ...", ..... ~ ....... _ .. ~ _ ... ~"J""'# .." f
......- tJI ___
'-- - - - tJI_,_... ~ "r~... ~-<. - ____ ~ ..__ .-..: _ '.,' =--- _~ I>> ~ :r ~ 1ot-!fIe_
~ .. ~ ........ br ..... .........,..
'WO_. ._.___.___ ____.___0______.
-_._------~ ---.-___...w_._
REOUEST TO ,., IIOII! Tl4A.Ie THE IhfIlUUIf PSt. p.n'f~T
1# .... ..... . ...... . .........,.. ~... ....... ,.,...... ..... .... ... __............. "...,~ ........ ~~..... ...... .
.. .~"""'. P'''l''' po,'
Exhibit B
Loan IJISC!osures
"'Il_ · 'f.'f;"1r~~'
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'n,', LOAh'l.fNER' ~ and Socurfty ^crooment. wtllct1 h::Iudes ttJ.e Truth In
L~:o0i:"Q Olsdosu<O$. w!ll be refernx:l to as the P1an. Tho Plan docun->OOts h::lOOJ
th,s Aor00<,\(',o( and an Adoendum. You, )'O(Jr and ~ mean llIl)' pofSlOCl "mo
~"'S tho PlarL Credit Union, we, our and U$ mean PSECU ex e.nyooo So whom tho
C<<xJ:, Union trnnsfCfS It:s rignts under the Plan. This is a mu!ti-stafe documeot vlhld I
may tx. u$.'xilo \.sod 10 borr-owef'S in an states.
1. HOWTHlS PLAN WORKS - This is an open-end, muhi-featur&d creart plan. We
ankip"te th.at. lrom time to time, you win borrow money (calted "advancesl undBr
Ill<) Plan. We fire not require<:! to make advaO<:e1: to )'O(J undet' the f>tan and can
refl.tt-C: II request for Iln Ildvanoe at eny time. The Addendum describes the
efit'rtlrenl ty)}(ts 01 cnxHt (called '"suba=untsl availablB undBr the Plan. thB current
interest r3tc lor each subaccount expressw as a daily periOOIC rale and
conespor;jin9 annual percentage rate and other charges, It may also have otftBr
terl11S and a sd1e-dule lor determining the pay;nent amounts.
2. CRFOfT UMn' -- Wc may, but do not have 10. estabIisIl a cre<frt Iimrt on certain
sutJ.aCCOunts. tI a credrt limrt is set lor a subaCCOUnt. you promise not to exceed the
establishOO croort limit It you exCOOd the Cfoort limit, )'OU ~ to repay
i<nme<J<ately Ill<) amount which ex~ 1tle credit lifnit
3. AEPAYMEtIT - You promise to repay aD amouffis you owe lIflder"the Plan plU$
Interest Payrnoots are due 0<1 the last clay 0< tho month lX1les.s we lKlt a different
date at the time 01 an advance. If the Addendum has no paymoot sc:he<1ule for a
subaccount, your paymoot will be deterrnln€-d at the tiroo 01 ead1 actvaflC(!.
P',Jyr:I(:;n~'_:: (i)cr:".:! k~--iudc r.rrj en)()un~ r<lr.t d.}.,:_~ ,~~'>j:::J ~.'(,/ t'rn~>l.Jrli l.i/ \',~lkh y()c hG.',"';
ncxe\.kd fcflY (Xedct ~mi( )'00 have txwn given lor a suOao:ourrt. You may repay an
ex part of wnat you owe al any time without any prepayment pe11aJty. Even It you
prepay, you WIll still be required to make thB regularly scheduled payments unless
we agrC€ in writing to a change in the payment sd1e<lule. 1t)'OO have a Jolnt share
draft account. you will be responsible fO( paying an O'v'erdraft advances otrta1nOO by
a joint hoIOer of the share draft accounl Payments will be app[ied in thB O1'dBr the
Credit UniorT chooses.
4. PLAN ACCESS - You can obtain cre<frt advances in any manner authom:ed by
us. It we allow you to use your ATMlDebrt card to access the Plan, )'OU may be Rabie
lor the Uflauthorized use o( your ATMlDebit card. You will not be liable lor
unauthorized u~ that OCC1Jrs alter you notify us. orally or in writing, of the loss. theft,
or possible unauthorized u~. If you believe your ATMlDebit card has been lost or
stolen, Immediately inform the Credrt Union by calfing or writing US at the telephooB
number 0( address that appears etsewhere in the Plan. If the card is used to oblain
advances directly from the Plan, your liability w111 not exceed $50. If the unauthorized
withdrawal is lrom a share d~ft account.)'OUr liability is ~riled by me Regulatioo
E cfesdosures you received at the time you r€C€lved ):'OUr ATMlDebit card,. even If the
withdrawal r~ iO an adva.r.ce being made from your OYerdraft subaccount. .
5. FINANCE CHARGE - The dollar amount you pay lor mooey borrowed Is caned
a "fnance ~" and begins on the date of each adYanoe. A finanoe ~ w1U be
computed separately for each ~lllte ba1anoo under the Plan. To compute the
fuanoe d'large, the unpak! balance for each clay sloce )'OUt' last paymem (OC" slnce
an advance Ii )'OU haw not rat made a pa:yrr.e.nQ Is muftiprled by the ~ dally
pOOodic rate. Tho $Urn 0( these amounts Is the Iioance ~ OWed. The baIanoe
l..l$ed to compu\e the finanoe charge Is the ~ baJanoe eadl day afier payrneots
, and cre6ts 10 It\at ba!anc.3 haw booo ~ and any adGtloos to the baI.ance
have beoo made. In additJoo 10 1nt6f'eSt. we may ~ other Iioance cha.rg;es wflld1
are cftsdosed 0<1 the Addendum. If !tle nterest lllte Is II varlable intereSt rate, the
Addendum explains how tho variable Interest lllte Wi:X1<s.
6. SeCURITY INTEReST - The Plan is COCUnxl by the ~ and deposits' In all
joint and io<flViduaJ aCCOoots you have with the Crear! Unlon now and in 1tle future.
Shares end deposits in an lnd'fYidual Retirement Account and llIl)' other account
wnich wou !diose $pOCia1 tax treatment unOe r state 0( Ie-de ra/ law It given as &eO.Jrity
are not wbfect 10 the security interest you have given In your shares and deposits.
Additiooal security may be require<! d€pending 0<1 tho subaccount under which 8J1
advance is requ-ested. For example, a subaccoum called "New Car Advances"
means the security will be a new car. A ~ccounl called "Other Secured
Advances" means )'OU must offer security acceptable to the Credit UrWoo lex the
adval1Ce. Property given as security I<x any advance under the Plan WIll secure all
oth€r. amounts you owe under the Plan 0( under any other AgrC€ment with US now
or in the future. Property securing otrJer loans with US may also secure the Plan.
However, it you have given your dwerfing as security lor a loan with us, ttJat dwelHng
will not secure an advanc:e made ur.d€r the Plan.
7. PROPERTY INSURANCE., TAXES AND FEES - You will be l"eQu<red 10 purcna~
property insurance 0<1 certain types of sea.xity thai you give lor advances. You may
P<xchase the property insuraf'oal from anyone you ctxJose who is8CC&ptable to tho
Credt l.Inio<1. The amount and CO'Vera~ 01 the prope<ty Insurance must be accepta.ble
~ us. 'I'bu may ~ the property insurarce l:hrouo;;t1 a policy you already have, or
ttY<x '>it] tl oof.C)' )'OU Qel and pay br.lbu promise 10 make the ~
paya '.>10 to cJS llJ"od to deliver the policy 0( proof 01 COYemge to US it ~ ~ dopoljcy
GO.
II Y)(I ce.ncJl )0'.11' hsurance and oat a refuxl. ~'6 have a rigfu to the .
pro,:)<lfiy Is kxt or damaged, we can use the Insurance lKltllement refUlld,.1t the
lVo:><:rly or apply It lowards what you OWe. You authoriz:e US 10 ~ Ie l'epair tho
ched; wnidl may be payable to you in omer 101' us to ~ any refund 8rrf draft 0(
dUB under yow insurance pof>ey. You promise to pay an ta.xes and Q( benefIts
re-giS1fdtion lees) due on tho property and \0 keep the property ~red a ""-:es (lIke
and damag.l. . gall'1S1loss
Ii you do not pay the taxes or fees 011 the ;s..operty when dU{) or keep" .
. '....~ . "InSured we
may pay th{'S<) oblcgab<X\S, vu, we are not requIred 10 do so. Any ~, '
lor taxcs, 10..,s or insuranc:e will be added to the unpaid balance of ~ .~~ spend
)":XI ....ill IMY interest on those amounts at tho saroo rate \K"oo, a"r~A to nce and
. . . J~" VV"oJ pay O<l tho
ad'v<1nx. VI 8 may roc:erve payments In 0X1!1ecti0n with the lnsurar.ce I
company v.fJCh provldes tho Insurance. We may rnonitor our loans for the rom a
0< determining \'.tlethor you and othor borrowers have c:omplie::l with the ~
roqu;ruroon(,; 01 Its loan a9'eements ex may eoga~ others to do GO. The lns.urance
ctKlrg;:<1 add~ to your advance may include (1) the Insurance CCOlpany's payments
10 us and (2) the cosi 01 determlning compliance with tho insurance requirements It
we add amounts kx' taxes, ioos ex Insurnnce toO the unpaid balance of )'our a~
we may Joanase )'OUt' payments to pay the amount added Within the teM 01 ~
lnsurl1nC<J Of appro:dmato Iem1 01 tho advance.
f. !:')":T~[ -- :: y;u ek, nJll"-Jr(;KL~e U.e requirc'CI property lns.urdIlCe, tho insurance
we may purchase and chaiV€ Y'?U for wOl COYer only our interest in the JXOperty.lhe
Insurance wlll not be llabllfty (nsun!lnoe.
9. CREO'rr INSURANCE - Cre<frt life andlQ( credit disabllity Insurance Is optional
under the Plan. Ii you quafrfy for and P\1rc:t.ase the insurance from us, )'ou authorize
us to add the insurance premIums monthly to your loan balance and dlarge you
interest 0<1 the entire ba~. It you elect cre<frt insurance. )'OUr payments may
Increase or the period. of time necessary to repay )'OUr advance may be extended
beyond the approximate term stated 0<1 the Addendum. 1he cre<frt insurance rates
may change during the Plan. If the rates change, we will provide any notices
required by appficable law.
10. PERIODIC STATEMENT - On a regular basis you will receive a statement
showing af! transactions uncler the Plan during the period covered by the statement
Statements and notices will be sent to you at the most recerrt address you have
. given us In writing, Unless appflCable law requires notice to each joint bo~~r,
notice \0 any one of )'OU will be notice to aIL
11. JOII-IT ACCOUNTS -If this is a}<Xnt aroxml. each of)'OU is incfMduaJ!y and
jointly responsible for p.aying an amounts owOO. That means we can enforce our
rights under the Plan against any one of you lodividually or against an of you
together. If )'OU give us inconsistent Instructioo.s, we can refuse toO 1ollow )'OUr
Instructions. Unless our..)'oTitten pof>ey reqUires aa 01 you to slgn fo;:x an advance, each
01 )'OU authorizes the 01tler{ s) to obta In advances Individually and a.\1fees 10 re pay
advances made toO the other{ s).
12. FEES AND CHARGES -If)'OU give us a s.ocurtty Interest In ~rtaln types 0{
~, we may c:na.rg.e )'OU a firing ~ 10 perlea O\J( lnteres1ln the prop;lrty. If so.
tho 8lTIOUOt 0( tho fee will be c:!isdosOO 10 you at the time you obtalo an advanoo. We
may also t.'h.arge you other fees In COOOOctioo wfth the P1an. Those tees are
disdose<l 0<1 the Addoodum and wilt be adOOd to your Ioari balance unless you pay
them In cash.
13. UPOATlNG CREDIT INFORMATION -You promlse that you wilt prompdY, give
US written notice' If you move, dlaflQe your nam.:l or empIoymer1t. OC",it arry other
information you provided to US d1.anges. Upoo our request yOu also agree to proo.1de
us updated financial Information.
14: DEFAULT - Th<! followfng p4ragf71ph .pp(/e-s .to borrowers In Jds~~
KaflS.4S, M4/~ .nd South Carol/rut: You wilt be In default J{ you .do...~;alt
payment 01 the 8fT1OOf1t requiced when It is due. You will also be In "" . we
believe the prospect of paymern. performance, 0( realizatioo 00 at'rf property gNeO
as securfty is signlftCantJy Impaired..
In Wl=nsln: You VliU be in
The following p.8ragraph llpplks only to borrowers . . 12-monrh.
de(auh it you tail to make a payment ...men due two Urnes dunng ~ lerially
pc rio<1. You will be in de lault if h<e.a king at'rf promise made uOOe r the . m<; a
impairs yo<Jr ability 10 repay ...mat you owe. You will a!s<J be in ~fa~ t>r~rd
promise made under a Socurity AQreement made in ~. an ~
materially impairs !tie con<frtJO(1, vatU{), Of protection 01 ex our nghllr1 the property
ca Ye as secu rity, . .
' ,... '. wit be i1 defaull
The followfng {MnJgrsph ~les only to ~ In /owtJ:You t>e in delault it
If you are more than 10 days late In ma~ a payment. You wilt als? '
PSCCU f'()I'W 13 1 -<<5
ocu.u, /o..!I.fTU.A.L 0 A(X)P. 1~. 8:2. ~. &6. 89. f17. AU.. RIGHTS RESERVED
. . , ~
.J6XX0601.1 (l37.~.f C'Jo'<<IJ
J/Z;
R~
I ;;:,:n~: ~raph -.ppl~ to ~ In .11 othM &Ut.6:~ 'MI be ..
c>e~au:t'tI)'O<J dO 00( mak.a'IJ payment o(!he amount required when It Is due. Yoo wlll
b<ll k1 de1al..tt 'I',)'IXI bf&at any promlse )'OU made under the Plan ()(' It 8tl)'OOe Is ..
~ ~ any socur1ty ~ made .. COOOoctloo wfth an advance under
It." Plan. 'ib-J ldl be .. defautt 1t)'OO eSe, file for ba.nkruptcy, become ~ 1t)'OU
n~ any fa!$() ()(' mtsieadiog &tat&meots .. any cnxfrt appllcatio" or upda~ 0( credit
hbcmalio<1, '1)( It something happens we belieYe may substantially reduce )'00'(
ab!t1ty 10 repay what you owe. You will a!so be n de fa utt uode r the P1an It )'OU lIl'9 n
OOtautt undef any o<her loan IJgr&emoot wfth us..
15. ACTIONS AFTER DEFAULT - ~ followIng p.ar.g(1Jph ~pOu to
borrowers In CokJr.do, DIstrIct of Columbfll, low., Kan&.!ls, IMIne,
MrlSS8chus.etts, Mfsscur!, Nebrnska, West Vlrglnfa and South ClJrolflU/: When
)'00 we in do fau tt 8J'Id afte r e.xpira tion of any right )'OU have under applicable &tate
law to OJre your defauft, we can demand Imme<iiate payment of the ootire ~
ba1ance under the Plan without giving)'OU a~ notice.
TIM folfowing fUll7Jgraph applfes to borrowers In ,,11 other states except,
WTsoonsfn l!Ind LoulslsfU/: When you are in default, we can roquiro Irnmeotate
payment (acceleration) of the entire UnpaJd ba1ance under the PUn. You waive any
~t)'OO have 10 demand for payment. ~ of Intent to accelerate 8J'Id notice of
accele ra ti<xt.
~ following paf1lgrsphs apply to borrowers In "II states except. m~n
"00 LoulskfUl: tt Immed'Late pa:ymeot Is demandOO, )'OU wll/ continue 10 pay nteres1
until what)'OU owe has boon repaid, at the appflCable Interest rates Ir1 eflect unklss
Zl defautt rate is dlsdos&<1 on the Addeodum. If a demand for Immediate payment
has been made, the shares and deposits given as socurity for the P1an can be
.tl.ppued tCfrr<:Hds "',,,fl.:!t y,;:X1 C'r'/('. \\'0 can nk.{) E:'Y.tJrci~;<~ Urfj othor rJQ-1'lt'S r,if',"ur: hi' k~y,'
_VhetI )'00 are In defau<<.
You aome the Credit Union has the right to take possession of any property given
as SOClJrity for an advance under the Plan without judicial process If this can be done
without breach of the pea~.1f we ask, )'OU promise to derlV\3r the property at a liIrkJ
and plaC(3 we choose. We will not be responsibk'J for any other property, not COYered
by this Agr&ement. that )'OU Ie.ave Inslde the property or that ls attached 10 the
Pl"Operty. We will try 10 retum that property to)'O<J 0( make It avaitable to)'OU to dalm.
A!uJ! we have possession 0( the property, we can sea It and appIy..-the mooey Ie 8l'rf
amounts )'OU owe us. We wi" give )'OU notice of any poblk sale. or the date after whId1
'a private sale will be held. Our expenses for taking possession of 8J'Id selling the
property ....111 be deducted from the mooey received from the sale. Those costs may
irdude the ClOSt of storing the property, preparing It for sale and at1Ol'Tley's fees to tho
extent permitted lK'lder state law ex awarded under~) of the Ballkruptcy Code.
The rest of the sale money will be awrlGd 10 what)'OU owe lIlXler the Plan..
16. ACTIONS AFTER DEFAULT - WiSCONSIN - Th~ folfowing paragraph
~ppntn only to Wisconsin borrowers: When )'O<J are lr1 defautt 8J'Id after expiration
of any right you have under applicable state law to cure )'OUr default,.we may requlfe'
irrlmediate payrl"teflt 0( )'OUI' ootstandlng loan balance under the flaIl 8J'Id $OOl(
possessloo of the property. You may ~vrrtatily give the property to us If )'OU choose,
ex we may sool< to lake possesslon of the property by joOlCiaI prooess. If we
~ the property. )'OU agree 10 pay reasooabIe expenses Incurred Ir1 clisposlng
of the property. If the property ls a motor whlcle, mobile home, tralW. SOOWlTlObIe,
boat ()(' alrcraft. )'00 will a!so be require<:! to pay any rosts permltted by Section
~<( 13 of the WISCOnSln Statutes.
. '17. ACTIONS AFTER DEFAULT - l.Ot.nStANA _ rn" foCowfng ptInt{;Jl'aph
~ on.)' 10 ~ ~ Wheo you are In cSeQUt, we can Nqlke
knmeOOte paymeot (acoeIecatIoo) of lhe entire ~ balanoe l..I1def fle P\an. )bu
waNe any riQri you have k> demand for paymeot, notice 0( i1teot ~ ~ ard
notioa of a.::oelefation. It ~ paymoot Is decnaOOed, )'OU wtIl conOO.Je t:l pay
k1terest lXltil Moat )'OU owe has booo repak1 at the applicable nteres1 rates In e!lect
lOess a detalJt I'aU3 Is <isdosed on 1he Addendtm.1t a demaOO br i11croe<ia:Ie ~
has been made, fle shares and deposits ~ as security for the Ptan can be awliOO
~ v.tlat )'JU owe. VffJ can also 8Xefdse 8nf CXher riglls gr..oo by law whoo )'OU are .
Ir1 detauft Zll1d our rI\;t1ts U1der 8nf security ~ you have wfth us..
18. CANCEWNG OR CHANGING' THE PLAN - 1M folfowfng par.gt'6plJ
.ppl~ only tc Ixxrower. In .lIno16: We have the right k> ~ the Serms of
the Plan from time 10 time after glW-.g )'JU any advance notlce reqolred by law.. AAt
d'\ange 10 the Interest rate or other ~ will apply 10 future advances.
~ folfowing paragnlphs ~ply only to bo~ In Wlsccn8/n: We can
d'\ange the terms of the PIar1 from time tc time In ao:ordance.....-ith Soctioo 0(22.0(15
of the WISCOnSin Statutes. You wlU be notitiOO of any ~ n terms. An Iocrnase
k1 the dally periodic rate lIlXler a varlabl<l rate Inte rest ra te is not CXXl:Slderod 8
chaOQa In terms under the Plall.
We can cat'la31 the entire Plan or any part of the Plan at llflY time. You may ca.t'lC1Jl
the Plan at any time by giving us prio< written notioe. Your ob(~tion to pay It-..;
~ ~ under the ~rms of the Plan continues ~IMr)'OUor the crooit
c.rion ClIJlC<)/ the Plan, except Co the exte<1( lha t )'OUf iabllity Is limIte-d by Soctlon
"-22.0( 155 0( the W tSCOnSoO Sta tutos- " "
Increa.s= !he t'mo<Jn( o')'OUr ~ 0( t'>et O';'>Orw';"~~:': c: ''C''\?':'. thi>t
balances will apply Co e>i>tJoc bal8.f1oCCS My r. )'tXJ 110<00 ~~ the ~-; 6>dstfc"Q
the Plan after reo&MoQ notlco:l that )'OlJr use of the Plan I'n6ans }'Ou or yoo use,
~ applies k> ~ beJanccs. ~ee \tIO
'Th4 folJowfng ~ l!IppIku to bon-owcn, In aJ1 ott,.". ~.W
~ 10 ~ tt1<l1efms eX the Plan from time to tlm6 flJ\o( QI\1og .. e ht,ve ~
llOtlc>3 requfred by law. AAt ~ In 1M kltorest rate wiIf app/y t:l ~ ~
and at ()(X dlsa-etlon. and ~ to tJ.fl'j roquiremeot:s eX ~ law \rill! ~
appy to unpaid ~ ,
'Th4 foIJowfng ~ ~ to aJt ~~ o~ rn.r, ~
~: An Iocrnase In the dally perlOOc rate uoder a var1abIe ~ rat.a Is IT
conslOered a c:hanQe In ~ lnder ~ Plan. We can ~l the entire Plan or not:
part of the Plan at any lime. You can cancot the Plan at any time. Your oOUgatioo ~
~~~~ ~r the terms of the Plan continoos \Io'hether)'Ou or the
Sectlons 21-25 apply If roo give s.ecurtty In connection wtth an ~ under
~ P~n. They apply to borrowCf'& In all atatea except Lools.l.ana. loullOlana
borrowers wIll execute 1!I ~parate c.ecurtty llg~nt. B<>rrowen In other
atalell may also be asked to execute II ~te ~urtty agreement. "
19. OELAY IN ENFORCING RIGHTS AND CHANGES IN THE PlAN _ We canr
delay enforcing any of our rights under U1Is Plan any 1'llJlTbe( 0( times \lw'llnoot Ioslrg
the ablrrty 10 exe~ our rights later. We can ooforce this P1an agalnst)'O<x heirs oc
Ieg.aI represerna lives.. If we cha.r.Qe the te nns of the Plan. )'O<J agroo ~ this Plan
will OXltinuo to protect us.
20. CONllNUED EFFECTTYENESS-If any part 0( this P1an ls deteonloed by e
court to b-c Ur-'C(11tXOJM;Jc(\ th<1 f\):S~ V{t![ renn,;\l In "ffDt::L
21. THE SECURITY FOR THE LOAN -You gNe US ,,-'hat Is knoown as a~
Interest n all" property descrIbOO Ir1 e.ny reoelpt. YO<Jche( ex othef docu:oont ~
recelve f<;x an ~ ("'lhe Mvanoe"). The SOCOOty Interest )'OU glve Inc:IudeS all
acws.slons. Ao:;essloos are things v.t1id1l1l'9 attached lo 0( Insta!led In the property
now or Ir1 the future. The security Interest also Iocludes any ~ b- the
property which )'OU buy within 10 days of the Advance 0( any extensloos, reoewaI$
ex reflMrlC:iog of the Ar:1vaJv::e. tt also Includes any mooey)'OU ~ from &elrU1g
the property or from Insurance you have on the property. If the value of the property"
docllnes, )'O<J promlse to give us more property as socurity If asked Ie do so..
22. WHAT THE SECURITY INTEREST COVERS - The security lnteres1 SOClJres:
the Advance described in the recelpt, VO<.JCher or any other document)'OU receive at
the time of the Advance and any extensions, renewals or reftnandngs of ~
Advance. tt also secures 8l'rf other advances )'OU have row or reoehoe ~ the futur6'
under the P1a11 Md any other 8ITlOUl1ls or loans, Ioduamg anY credit card loan, )'00
. "owe us for any reason nowO(In the future, excEpt any loan secured byyourpriodpaI
residence. ,If the property Is household goods as defined by the FedeiaJ Trade
CommIssion Cre<frt Practices Rule, the property will secure only the Mvarce ZlI1d
npt other amounts you owe. . .
23: OWNERSHIP OFTHE PROPEfITY - You promise that )'OU own the property or
If the Mvarl<:xJ Is to buy the property, )'OU promlse )'OU will use the M:vartce b- that.
purpose. You promise that no one else has any interes11r1 O( clalm a~ ttle-
property that )'OU have no( already loId US about You promise no( to se4 0( lease tOO
property ex to use It as cecurity for a loan w!tI1 another creditor until the Motarrce Is;
repaJd. You pr'OIl'llse you ~ allow no othe< security Ir1terest ex &en 10 attach t:l tOO
property e?the( by )'OUl' actlon:s or by openrtIon 0( law. .
20(. PROTECTING THE s8::uRrTY INTEREsT -If)'OUl' state lSsues. title for the
property, )'CO promise 10 have 001' s<<:ur1ty Intef'est shown on the title. We may have
, to file what ls called a financing mtemoot k> protect 001' securfty Ir1terest from the
claims of ~rs."1f asked Ie do so, you promise to c.Ign a 00anclng statement. fuJ
a!so promlse to do whatq,oe( else we ~ Is neoassary 10 PfOted 00f SOOJfIty
lr1terest In the property. .
2.5. USE OF PROPERTY - Unbl the ~ has beoo paid o(f. you ~ : .
will: (1) Use the property carefully and ~ kin good repalr. (2) 0btak1 our dd en
pe nnlssIon before rnaI<lng major cnar.g.es Ie the property or ctJanglng the a ress
where the property is kept (3) Infoon us In writing before charlQing )'OUl' -=-~)
AJIow us 10 k1spect the property. (5) Promptly no(Jfy us If the property Is .
6'tolen or abos<<!. (6) Not us.e the property for any oolawful purpose.
26. NORTH DAKoTA NOTICE TO flORROWERS PURCHASING ~~g;o;;
VEHICt.E. THE MOTOR VEHlct.E IN THIS TRANSACTlON MAY ElE.5U ELSE.
REPOSSESSION. IF IT IS REPOSSESSED ANO SOLO TO SOMEO~D IN
AND AU AMOUfoITS DUE TO THE SECURED PARTY ARE NOT RE
THAT SALE, YOU MAY HAVE TO PAYTHE DIfFERENCE.
27. VERMONT NOTICE TO CO-SIGNER -' YO~~
SIGNATURE ON THIS NOTE MEANS THAT YOu A E
EQUALLY UABLE FOR REPAYMENT OFTHIS lOAN'~~~L
BORROWER DOES NOT PAY,THE LENDER HAS A
RIGHTTO COLLECT FROM YOU. .
'. .
NOTIFY us IN CASE OF ERRORS OR OOESTIONS ABOUT YOUR STATEMENT-
It )'tl<J t1'l/()j.; )"Xtf ~ Is W1'O<l<J. ex It )'00 nood moro lnfo<matIoo about a
tran.~ on j'\:XK ~ wiiI<:lus on a ~te ~ at the II<ldress isted 00
)'OUf 5talemeol Wr1t6 10 us as $000 as posslJIe. We must hear from )'00 no Ial<<
S'lao ro days a:tte;- we 5<<lt )'00 the ir;t 5ta~ on ~ the emx ex probtem
~-ared. ~ can &eIephooe us. but dolng so w!ll not ~ )'OOr r\gtrts.
1n1!'OU( JettM. QIYe us the Iollowlng Imxmatlon:
. Your name and a.xouot 1lUrT1ber.
. The dollar 8.l11<Xx1l 0( the ~ efTO(.
. 0escr100 the error and ~ 1t)'OU can. M1y )'00 believe lt1ere'is an error.
It )'00 flOOd more Infocmation. descrbe the Item )'OU are not sura aboot.
If you have authoru:oo us 10 pay a credit card aCCOUnt automaticaUy from your share
aCCOUnt or checking 8CX:OUcil )'00 can Slop the payment on any amount )'00 think is
~. To stop the payment your Jette( must readlus ttuw business days before the
automatic payment Is $d}eduledto OCcur.
YOUR RIGHTS AND OUR RESPONSlBllfTlES AFTER WE RECEIVE YOUR
WRITTEN NOTICE. We ITlUS1 ad<now1edge, your letter within 30 days, unless we
have corr&Cted the error by then. Within 90 days, we must either correct the error or
explain W'hy we berHNe the stalement was cOrr&d..
After we r&CeNe )'Our letter, we carlOO( l1y 10 collect any amount )'00 question, or
report you as delinquent.. We can COl1tirxJe 10 send statements 10 )'OU for the amoont
)'00 qoostloo, kldudiog finance charpes, and we can apply any unpajd atTlOU1(
,
~ ., .
In tt\ls AQroem9rlt. tt1<J "-wds )''Co{j M>Ci your n)Oa[\S each and all 0( ttlOS<l ~ lIppIy
for the card ex ...no &lgns ti1Is ~ Card means the VISA Credit Card and at'rf
duplkates and renewals we 1ssu..1. ~nt means )'OUr VISA Oe<frt Card lh3 of
Credit 8aX>Unl wltt1 us. We, u., and <>un; means 1hls Credit UnIon. '
1. AESPONS/BIlITY -If we 1ssue)'OU a card, you agre.e 10 repay all debts and
the FIl1af1Ce Olarpe arisiog from the use 0( the card and the card aCCOunt For
example, you are respoosib/e for chatl1eS made by )'OUrself, )'OUf spouse. and minor
dlildreo. You are also'respooslbIe Ie( charges made by 8l1)'I:loe else lo'wr.orn )'OU
gi....e the card. and !his resPonsibility cootinues until the card Is recovered. You
cannot ~im responsibility by notifying us, but we will ~ the aCCount for new
lransactions It you so request and retum all cards. Your obrigalioo to pay the ao::ount
balar.oe continues even ttJoogh an a~eement, cffVOf"Ce decrlM or other court
judgmem to wtUcIl we are not a party may direct you or one of the other persons
responsible 10 pay the aCCOUnl
2. lOST CARD NOTIFICATION :""If you believe the card has been lost or stolen,
you will immecf13telycall the Crecfct Union at (717) 234-84s4 or (800) 237-7328. Mer
hours call (600) 556-5678.
3. lIABIlITY FOR UNAUTHORIZED USE - You understand that )'OUr Iota!
iabiIity to the Crecfrt Union shaII nOt exceed .$SO for any card lransactions resUlting
from the loss, theft ex una~use of the catd that OO::urs prior 10 the time yoq-
Qive no6ce to the Credit Union. Sudt &a.baity.does not 'WIy when the card Is used
10 make eleclroolc fund transfers. The Cred1t Unloo uses neural networks, whic:f1 by
artiticiaJ Irrte~ can nlCOgnize and alert us 1.0 potential fraudufent transactions.
These a.lert.s may generate hquiries about )'OUr use 0( the card and we apologlze
for ant ~ ttis m/ght cause.
<4_ CREDIT LINE - ,If "-'8 8pproye )'OUr awrlC8tion, we ~ establish e s<<f-
~ U1e 0( Creot for you and notify )'OU 0( b 8ITlOu'l( Yotloo we Issue the
I card. 'rou agre.e not 10 Ie( the &O::lClu'1( balano8 8XOe<<Ilhls ~ ~ lJoe. Ead1
. ~ you make on the acx:>oo.r4 \Irtl restore )'l:XK ~ lJoe by lhe ~ 0( the
~ \f;flich Is applied kllhe ~ ~ may request an h::rease 1n)'l:XK ~
the only by wrttleo 8pplicatjoo 10 us. v.f1lcta mJSt be 8pprOyed by our c:redt committee
0( ban otlicer. By giving y.xI VwTftten noOoe we may feduoe )'OCX Cl'8dit lJoe from time
10 lime, 0( wlth QO<X1 cause. I'llYOke )'OUr card and &em1lnale tI1ls Aor&emeot. Good
cause Indudes )'OUt' ~ kl comply wlth tI1ls AQreemoot.O( any Olher a~ wlth
us. 0( our adYerse r&evaluatloo 0( )':XX ~ 'lbu may also termlnate lt1Is
~ at any lime, but lermInatioo by elltle( 0( us does no( a!fecl )'O<X oWgatlori
10 pay.the 8CCO<.rIt balance. The cards nm\ah our property 8J1d)'OU most I"eCOYe( and
surreode<.lo us all cards l.p:ln our f"eqUes:l and upoo lem\loatioo 0( ti1Is Acreemoot. '
5. CflEDfT INFORMATION - 'rOO authoftuJ us 10 ~te your crecfrt N.ocling
when opening, reoewfng or ~)'OUr ao:ount. and)'OU autnortza us to cf~
Imxrnatioo ~ )'OUr lICCOuot lo credit bureaus and other creditors who inquire
of us about )'OUr credit ~.
6. MONTlilY PAYMENT - We will mail you a statement every month showing
)'Our Previous Ela1ar.ces of PUrchases and cash advances, !tie current transactions
on )'OUr aCCOUnt, the remaining Cf"ecfrt available under )'OUr Crecfrt Uoe, the New
Balances of pu~ and cash advar.ces, the Total New~, the Finance
~ due 10 date, and at'rf olher billed lees, and the Minimum f>aymem requlroo.
Ew<Y month )'OU must pay at least the Minimum Payment wfthln 2S days of )'OUr
statement doslng date. By separate a~El<lmef1t)'OU may authorlz.e us to ~ the
~ payment automatk:ally 10 )'OUr &hare or dleckJng aCCOunt wfth us. Yoo may.
0( COu~, pay more frequently, pay more than the Mirlimwn Payment. ex pay the
Total New Balance In full, and )'OU will redl.Q, the flf'iat1Ce charge by doing GO.
1ne mnIm..m payl'1'leo( ~ be. (8) 2'% 0( )'O\X Total New Balance, r'CX..r1d6d ~ to lh6,
'leX1 eY9n doIar, ex (b) $20.00, ~ Is~. In addition, at at'rf lime )'O(X To<aI
--'~'~'""""P"YllUry~8.rnouot _
~tlog. but)'OU 8llI ~ oOllQatO<:! ~ pay 1t>e ~ 0()'Our ~t......~ 'We I1ry
not 1m QUestIon. ~'-n that 11"
tl we find that we made a mistake 00 )'O\X J;talement., )'ou Wlll not ha-.oe
fioanoo ~ related ~ at'rf questioooo a.rnooot. It We didn't ITlake kl Pay 8tl)
may haYe 10 pay finance ct1aroes. and you ~ ha'.'ll 10 "\llJr.e .:~,)'Oc:
payments 00 the QUestIooed &mcxxlt 10 ellher C8Se, we v.itI ~ ..,. any ~
0( ~ amount)'OU owe and the date that I( Is due. )'Ou. ctateme.r,.
tt )'OU fall 10 pay the atnouo( that we ltllnk )'OU owe. 'We may I'eport )'Ou dAr~.. .'
However, It O\J( 8lqXanatloo does not satisfy you and)'ou Write 10 Us as ;--~~
&elling us that )'00 stllI refuse kl pay, we must tell 8tl)'ooe 'We feporj:-; t.eo day:s
have a QUeStioo about )'O\X mUlmeot. k.d. we most lell )'Qu lhe lhat )'Ov
we repocted you 10. We must lelI8I1yOoe We report)'OO to that 1he::::: ~_~
settled between us when I( finally Is. .' r ....,. be.:! n
If we doo'llollow these rules, We can't colled the first $.So of the Gtiestiooed
even It }'OUr statement was COfT&d.. . amount..
SPECtAL RULE FOR CREDIT CARD OOACHASES -If)'Ov have a Pf'Oblem .
the q uarrty of prope rty or services tha t )'OU PUrdlasea with a c:reQt caro, and WIth
have tried in good faith 10 COfTOCl the Problem with the merchant. )'ou have ~
~ht not to pay the remaining amounl due on the property or services. Th:e ar two
limitations on this ~ht (a) 'lbu must have made the PlJn:hase In)'ou' home sta~ 0<;..
It not wlthin }'OUr home stale, within 100 miles of your OJrreot I'l1a.lr<<-.g address, :00
(b) The puro'lase price must have been more than $.SQ. . '
~ imItatioos do not apply It we own 0( operate the merchant. 0( It we maned
)'OU the advertisement for Ile property or seMoes.
,
New Balaroe exceeds )'O\X Crecit Lhe, you roost ~ pay f-te excess upon our
deman:1. We ~ eppty payments In lhe bIlowlr-.g tT\31lner. first 10 Pfe'vious late foes..
1heo b preo...ious ~ advan::es ~ ~ tl)eo 10 J:lC'9YIous ~ fioance
charQes, theo 10 rorreot late tees, then 10 preo..ious casl1 advaroce balances, tIieo b
Pf\Mous PJl'Cha.sebaJances i1 the order that ltley were posted b )'O<x e.xou-rt. 1tleno
10 curreot cash advanoe ba!ances, and theo kl curreot purd1ase balar.:es.
7. ANANCE CHARGES -You can aYOid Fnanoe Charpe on Pt./n::flases by paying
the tua 8rIlOU1t of the New Balance of Purchases each month Within 2S days of )'OUr
.st.aiemerrt doslng date. .00001Wise, the New Balano3 of Purc:flases. and the
subsequent purchases from the date lheyare posted to )'OUr account, will be ~
to FIl'IaI1Ce Charpe. Cash adVances are always subject to FU'larlCe Olarge from the
elate they are posted to )'OUr aO::OUnL
Purcha~s: We calculate )'OUr finance charge by multiplying the aVllrag.e adjusted
daily balance (see explanation below), including new PUrchases, b- the bllfing cycle
by the monthly periocflC purcf1.ase rate as disclosed 00 tile Zlddendum.
Cash Advan<<s; We caJcu!ate )'Our flllallCe charpe 00 cash Zldvances by-
, multiplying the aYerage adjusted claify balance (see eJq>Ianatjon below) for cash
advances doring the bilrlClg C)'de by the monthly periocflC advance rate.
Balance ComputatIon Method .
Aveta,ge Daily ~ br I1xt:hase.s - The AYerage Daily Balanoe for Purchase
Transactions Is calculated by adding lhe Daily Balances cPUrcnase Transaction) for.
eadl day ;j the billing cyde, and then cfrviding bY the /X.Imber 0( days In the biUing :
cycle. To c:aJculate the Dally BalanCe for purt:/lases ead1 day. we taka h b80wIng
$laps; We take the CXJt:3tanding ba1anoe (all 8lllOunls )'O<J owe) at the start 0( the clay.
Then, k1 the sequeooe k1 v.f1lcta amounts are posted Ie }'OUr ao::ouot, "-'8 add the
amounts 0( all debits and sOOtract the lltTlOu1ts 0( all credits 0( paymeots MIlch post
10 )'OUt' 8O::OU1t that day. All<< ~ paytneots end. Ct'e<fts, """ ~ the
amount 0( any urpald Ananoe ~ 0( Late Charges.. Then we abo ~ the
amount 0( any Cash M.-arce IrartsaCtions flat posted Ie )'CXK accooot 00 flat day 0(
k1 any preo.ious day k1 the bllIi1g C)'de.. This giYes Us the Da!y Ba1anoe br ~
AYera,ge Daly BaJanos br Cash Mances. Cash ~ Tra.nsac6ons which are
posted to )'OUr account are no( induded k1 the Average Dally Ba1anoe ~~
Pt./rdlases, aOd are therefore no( ~ Ie the monthly peOod'lC rate br t^"""............
The A\o'eICIge 0a1Iy Balance Is caJculaled separately lx Cash Advaooes and Is
subject 10 the Casta Advanoe Monthly Per10cflC Rate. The Average Dally ~ for
Cash TransactiooS Is calculated by adding the Dally Balances (Cash Transaction) b-
each day In the billillg cyde, and theo ~ng by the number of days i1 the bllr~
cycle. To caJcvlate the Dally Balance br cash each day, we take the k>lIowfng steps.
We lake the outstancflClg balance (all amounts you owe) at the &:tart 0( the day.Then,
In ~ sequence In ~ att'lOoots are posted to )'QUI' account, we add the amounts
of all debits and sdJtrad lhe amounts of all crecfrts or payments wtlId1 post to ~
accooot that day. Mer appfylng payments and credits, we subtract the amount f
any unpaid Fll'Iance Ct\arges 0( late Charges.. Then we also subtract the ~ 0
any Purchase Transactions that posted lo your accqunt on that day or any
previous day.ln the bllfing cycle. This gNeS us the Dally BaJar.ce kx Cash ~
Transactions. Note: Cuh Advance. are always aubfe-ct to flnanoe c:ha~ a
from the day they are pocied.lo your account.
" fees then to
Payments are appliOO i1 the ~ mat1ller. first to previous late , finance
Pi'evious cash advances finance ~, then to Pi'ev!ous purchase then 10
ct\art;les, then to curr6flt late S&es, then 10 pr~s cash a~ ba~ then
Pi'evious PUrchase ~ In the order that lt1eY W61'e posted to ~ CrOOits
10 current cash ac:tvar.ce ~, and then 10 current ~ ~ then
are appflOO' fintlo the p.artlcu!ar type 0( ~ wf)ld11s being crecfrted. It ant,
10 the balanoe 0( your account. .
'. .
~ 1'-"'" ~"<Xl )'O<.K 0<lXl P.lltecnent.
~ ~T - '1t>u will be In defauit It )'O<J faJllo make any MloImun Payment
~ 2S day. afte<)'OO( lTl()(1(hIy 5tatemeot ~ date. "1bu a~ us to transfer
~ aul'lidenl to make It-.e rnInImu-n payment doe It )'OOr VlSA ban Is ., default.
'\obu agree thal - may ~ ~ )'OUr .-JM card aooess r )'OUr VlSA
~ Is due b" 8. perlod exceeding 30 days. 'rtxJ will also be ., defaiAt It )'OUr
ablItty to rep.ay us Is materially re<:looed by 8. c:ha.nQe In )'OUr ~ 8f\
~ In )'Q<Jr OOllaatioos. bankrupky ex ~ ~ IrMlMlg )'OU,
)'OUr d6att1 or )'OUt' falIure to ablde by this ~ or It It-.e value of ex.- secur1ty .
InCerest materlally dedlnes. We ~ Che riaht to demand immediate payment of)'OUf'
fuI accooot ~ It )'OU default. ~ to our gMng )'OU any notloe required by
law. To It-.e extent permltted by law, )'OU will also be required to pay our collection
~, Indu<f.og COUrt costs and reasonable attorney fees.
g. UStNG TliE CARD - To make a purchase or cash advance, there are two
aJtematNoe r:>rooedures to be ~ One is b' )'OU to present It-.e card &0 a
~ VlSA plan merd1ant, to us or &rlOthef financial i1stitution, and slgl the
~ or cash advance draft Y<t1ich will be l-npMted with )'OUr card. The OCher Is to
oomplete the transaction by using )'OUr PersooaJ IdentiflCatioo NIJfTlber (pIN) in
c:oojunc:tioo with the card in 8I1 Automated Teller Machine or O1her type o( eloctrooic
~rmlnal that provides access lc the VlSA system. 'rtxJ agree that you will not use }'QUr
card br any transaction thaI Is IIIega1 ur.def applicable federal, state, or IocaJ law. The
mootlYy sta temern will Ideotify the rTleft:hant. eleCtronic terminal or financiallnstitutIon
at vmIct1 transactions were made, but &akJ, cash advance, c:rtlQt or other slips C3IYlOt
be returned with the sta1ement. 'rou will retain a copy 0( sudllifrps tvrnl'shed lit ltle time
0( It-.e transadioo ., order to wrlty the monthly statement. The Credit UnIon may make
I reasonable d1a.spe be photocopes of sfips )'OU may request.
'0. RETURNS AND ADJuSTldENTS - Merdlants and others who hooor the card
nay give credit be returns and aoJUStmeots. and they wlll do so by seoong us a
::redit sf'tp Ywfllctl we Will post to your ao::xxmt. H your credlt and payments tlXC>OOd
~.at )'ou 0\','0 LIS, wo will hold and r.ppIy thl:s creart balanoe al,lainst future purc:hases
J..Od cash a<fvanoes, or I1IlIs one doUar or more. re(lXld It Of1)'OUr WTitten request or
wtomatically after slx mooths.
. .
. ,
,
IofONEY ACCESS CARD CARDHOLDER AGREEMENT _ The Undersigned (you
)( )'OUrj, In oooslderatioo 0( THE PENNSYlVANIA STATE EMPLOYEES CREDIT
JNION (-. our and us) Issulng to)'OU a MONEY ACCESS CARO,1'iereby agree
o be Iega1Iy bound by !tle bIlowing terms and c:ond'rtions. You agree thatlhe use or
our MAC card(s) constitutes aoceptance o( the terms and COO<fltions of this
IQf&emenl You understand that ~ Is a creorl-related service and you authorize
'SECU to obtain a credit report 0f1 any users of this aCCOUnt
AOC<Xlnts and Uses of MONEY ACCESs CARD
You have the account(s) (induding Checking and Regular Shares), wt1id1 we set
b"th 0f1 )'OUr appI"lCa!ion brm with this Agreement You hereby request that we
Issue to)'OU one ex more MONEY ACCESS CARD(s) to be used In coooectioo
with ~ acoounts as described ., this Agreement.
~ understand )'I:XJ may -use the MONEY ACCESS CARD at a MONEY
ACCESS CEI'fTE~ to (1) withdraw cash from. (2) malo;e or a/'l'"af1Oe br deposits
In. (3) eNact transfers to or from t'OlX'acoount, (4) receiYe "fonna!ion regarOlI'lg
the balance ., )'IXK aocoont(s) ()( (5) make cash advanoes from )'OVI' cre<flt
aroount(s) In the Ill1'lOOrlts )'OU f9qUeSl You may also use automated teller
mact1lnes througtloot the UoIted Sta!es and In oertaJn foreign countries Y<tllc:t1
bear the PlUS SYSTEM'" name and logo (t) to make withdrawals from, (2) effect
transfer5 b or from.. (3) reoeIYe InIormatIoo ~ !tle balanoes ., )'O(Jf'
. Cheddng or Aegu!ar snares. 1f)'OU haw a f'ersonaI SeMQe, Loan approwd and
In p(aoe, )'OU may also make a casf1 advance from )'OUr PSL ~ further
undemand)'OU may use ltle MONEY ACCESS CARD to'porcna.se goods and
s.eMoos ("Purchasej at any retail estabIi:shment C"Merdlantj ~re MONEY
ACCESS CARDs are 8OCep(ed by sud1 Merd1ant. tt )'OU use the MONEY
ACCESS CARD to make a ~ to obtara c:ash, 11 permitted by,!tle
Merctlant, )'OU shall be requestlng us to wfthdraw f1xlds In Che 8lTl<Xrlt of sud1
Purd1.ase (1I1doding any cash reoeiYed from the Merchant) from )'OUr CtIeddog
Shares and directing or ordering us to pay sud1 funds to the Men::t\ant
~ request that we wlll provide to )'OU .wen O(t)e( S<<VIces ()( access 10 other ATM
systems or networks usfng ltle MONEY ACCESS CARD wtlk:t1 we may IBl<< make
av.llable and M'lIdl we advise )'OU are offered In c:onnectloo witl1 )'OUl" llCCOO'l:t(s)
~ brth 0f1 )'OOr application 00n. ~ also understand that from time to time you
may request ., WTtting that we prtMde access to aOditiooaJ a~ 0( yours
tI1rougn !tle MONEY ACCESS CARD we haw lssood to )'OU. You agree that the
uses 0( ltle MONEY ACCESS CARD descrlbed In Ihls Agreement sha1I be sOO/ect
to ltle Mas and reglktions of eadT account Y<t1ich Is accessed by wen Card.
U~ of P-enooaJ ldentH1C8'tloo Number {'"PIN} wfth MONEY ACCESS CARD
You understand that a MONEY ACCESS CENTER or a PLUS SYSTEM ATM Is
&r1 automated teUer. tt can and win perlorm many of 1he same tasks as a human
~r. 'rou a~ that the PersooalldentiflCatioo Number or PIN wnid1 you
use w1ttlltle MONEY ACq~SS CARD Is yovr signature, identifies the bearer o(
<<he Card 10 the MONEY ACa:ss CENTER, PLUS SYSTEM ATM. or od'ler
networ1( nM ~ auttlenticates and validates ltle dlr&Ctlons giYen just as )'OUf
IICtua/ -'cnature and ~ ~ IdentHy )'OU and authentlcate and vaUdale ')'OUf
Ir1Cr'6ased by ooe pel'W<'(, -. r-- - -~ I-"~ dale,
12. P1..AN IAERCHANT 0CSPl1TEs - We are 1'10( respoosI)le br Wle mIusaJ
plan rnen:::l1an( or tlnardaIlnsdwtioo to honor)OUr card. We are ~ to ~ llIly
deianses (O(he( 1han tort dains) arlsIng OUC ol QOOds and seMoes )Ou and
the C8t'd 00:y r you have made . good faIlh atlelrtp(. but haw been ~ W!lh
~ from It-.e plan men::flart., and (8) )OUr purchase was made ., obtain
an adve.1isemeot we sent or pertIcIpated In sending )'OU. or (b) )'OU' ~ to
more Itlan $50 and was made from a plan men:::hant In )OUr stale or ~ =
of )'OUl" home. Mt CXhef cispu(es )'OU must reso/ye c:iredly wllh 1he p(an Illen:nant.
13. SECURfTY INTEREST - To secure )'OUr ac:x:ooot. )'OU gtant us . no ,........_ _ _
money SG<:Ut1ty klterest l.nW the UoHorm ~ Code ., "-"''''-'>e
I"Jl"Chase through the 8O:OU1l1f )'00 default, we will haw the right 10~ ~
these ~ wtIictJ we have not been paid br through our 8pp6cafioo r any
payments in the ~r descri>ed In the MoothIy PlIyrneot section. With o()'Our
this acx::oorrt ooIy, we will 1'10( assert any statutory right we may haw It ~ ~
defautt to prevent withdrawal of )'OUr I.lrlpIedQed crecfrt lJl1lon shares ~)
below the unpaid balance 0( )'OUr account. However, It )'OU give or haw g/wn
spociIic pledge of your ~ Ul1Ioo shares (Deposits) by Elgnlng the ~ ~
Shares or otherwise, or any OCher security inlerests for an }'OUT debts, )'Our account
will be secured by your p/edged shares (Oeposlts) and by the property described In
those oCher security 8gre<<oonts, except for)'OUr home.
1.c. EFFECT OF AGREEMENT - ThIs Agceemeot is the contract wt1lch applies to
all trensactions 0f1 )'OUf ao::ount even thougr the sales, cash ~. a-e&t or
other slips )'OU sIgo or I\leeM) may contaln differoot &arms. We. may &mend the
~ from lime to lime by ~ndiog you the a.dvanoe WTItten notIoe required by
law. Your use of the caro lhefeafter will Indicate }'OUr agreement to 1he ameodrne1lti
To Che extern !tle law permits, and we k'ldicaIe h our notice, ameodments wlIJ apply
to }'OUr extstfng aocoont baIanoe as well as to future transactions..
15. lATE PAYMENT CHARGE -- If your M"nrlXXTl Payment Is not paid wit!o1f1 15
days afl.J3r the PaYment 0uQ Date, you wru be &ubject Ie a slngle c:haroe 0( 5'% of the
minimum sdleduled payment..
16. COpy R~CEIVED - 'tOO ~ reoelpt of a copy of Ihls Agreement.
, .
directions to a human teile(. You also I.lr'Idemand that a Merchant which aooopts
the MONEY ACCESS CARD for a Piirt:hase IransactioO may haw an electronic
terminal (Merchant oper.rted or SeH-servlce) wf1id1 requires the use of )'OUr PIN
and Y<'hen )'OUr PIN Is used at a Merdlant's terminal, II W111 auUleolicate and
vafldate the directions given just as )'OUr actual signature W111 authenticate and
vaIidate your directioos giYen to us. You acknowfedge that )'OUr PIN Is an
identifICatiOn code thaI Is persooar and confidential and that the use of the PIN
witl1 the MONEY ACCESS CARD Is a security devise be )'OUr account(s).
. Therefore, 'I'OU AGREE TO TAKE ALl REASONABLE PRECAlJl10NS THAT
. NO ONE ELSE LEARNS'r'OUR PIN.
3. Uablllty fof Unauthoctze<fTransaetloO$ .
You agree to contact us at ooce ft )'OU bel'leVe'the MONEY ACCEss CARO(s)
lssue<1 to )'00 or PIN has been lost ()( stoleo or money is ri1lsslng from your
account(s). You also agree that It )'OUr moothIy statement ~ transac:Iions
wt1lct1 )'OU old no( make, and )'OU do no( contad us wlthIn 00 days after the
stateme.nt was mailed 1o)'OU, )'OU may no( get any money lost after IIlat time.
'r'OU AGREE THAT IF'(()(J GIVE YOUR MONEY ACCESS CA.RO(s) and PINTO
SOMEONE ELSE TO USE 'IOU ARE Jo.L.1THOAIZJNG THEM TO ACr ON'l'CXJR
Baw...F AND)'OU WIlL BE RESPONSIBlE FOR ANY USE OFlliE CARO(s)
BY TIiEM. You 00t.*11ose .. )'OUr money In Gle ac:oount(c). ~ take no ~
to no(ffy PSECU of Gle loss of )'OUt" MONEY ACCESS CAAO or PSN. Safeguard
)'OUr Pef-sonaJ Identlficstlon Nunbe( (PlN). 00 no( IeII or &si::tose )'001' PIN to any
other person. 00 not WTfte )'OUt" PIN on )'OOfMONEY ACCESs CARD. 00 no(
keep a written record o()'OIK PIN near)OUt' MONSV ACCESs CARD. 00 not
choose a PIN !hat Is eaSI1y Identifiable. ,
A new card may be orOered br )'OU at that tIroo and a "hold'" will be placed on
your old card. Att~ sud11lme, It )'OU find )'OOr old card. destroy the old card by
cuttJng It In hatI. If )'00 att~t to use )'OUr old card. It will be captured and
retaIned by tile MONEY ACCESS CENTER, PLUS SYSTEM, or HONOR.'J'M.
.c. Chargee
You agre<3 to pay a 50 cent c:harg.e br eaen deposit or w1thdrawaJ exceeding 15
a mooth. You agre<3 tq pay the 50 cent penaJty ~ 0f1 8I'I'f cash disOOrsement
transaction (loan adVance or &hare wIthdntwaJ) that Is less than $20. You &gee
to pay a 25 coot ~ ,on eaen balance inquiry. "1bu a\1l'&G to pay the d'1arges
or transaction tees wt1lct1 are ~ by us br Ihe:se ~Mces or be services
wtlld1 may later be offered as wd1 $ees or charges may be Impos&d or changed
from time to time.
5. ~poslta
You agree that wi'lOO )'00 make a deposlt at a MONEY ACCESS CENTER that
we have the right to verity the deposit bekxe we make the money avaIabIe to you.
If )'Xl QeWer ca..sh. d-.ed<s or <<her Items Ie a MONEY ACCESS ~R. ~
understand and ~ ll1a1 the'fIxlds from your deposlt rryay not ~
a:vallable br ~ withdrawal and !hat the ~ 0( your deposll
depeod 0f1 00Jr Me:s and ~.~ the per1icuar acco<.nt In wtllch you
. . ,
_._--._~~--~
- ..oaoo at a MVNt: Y N:X;C,SS CENi"EFllhaf is'~ by us. (lj" ~ linanciaJ
hstftullon. )bu.also lXldeoi:tand and ~ that not all MONEY ACCess
CENTERs may aooep< deposits and some MONEY J.CCESS CENTERs may Im1t
h &.mOun( of ~ Y<hIch may be ~ and we may not oootrollt-.es.e ImIts.
4. l.JabWtY
It the MONEY ACCESS CARD Is Issued lox a joint aooou,(, )'OU agree to be
Ic*lIiy and seYenIJly RabIe IJOde< lhe teons 0( thls AQrooment and.!he agreement
b sud1 -.ccoult. You agree 1tlat r ~ make depos/t:s ()( payments to )'OUr
accourti(s) vrflh Ilems O(he( lhan C8.Stt (ct.edcs. drafts (lj" o<her Items) and we
make f1.xlds ~ to )'OU ffom sud1 deposits prior to 1tlelr ooIlectioo, )'OU
agree that we may deduct !he amounts of sud1 foods from )'OUt aooount(s) 'whIcti
are not ooIIeded (lj", It !he funds In)'OUr account(s) are Insuffk:lent at sud111me,
)'OU WIll promptly pay to us any 8moont of such funds wtJictl are not collected.
7. Amendment of this Agreement
You agree that from time to time we may amend 0( dla.nge the terms of.thIs
agr&ement Including arneoclments (lj" dlanges to add further MONEY ACCESS
CARD S<)f'Iioes or to amend (lj" cha.nge the charges lox ttJese services. We may
do S<l by notifying )'OU in writing of such amendments (lj" char,ges and )'OUr ~
of the MONEY ACCESS CARD after ttJe effective date of any sod1 amendment
()( change shall OOOstitute )'OUr 8ocep~ of and agreement to such
ameodment ()(~.
8. Ownemtlp
)bu agree that lhe MONEY ACCESS CAAo Is our property and )'OU v&1
surrender It to US upon our request You agree that ttJe MONEY ACCESS CARD
Is noo-transferrable.
Q, Disclosures
)bu 00reby ~ reCeipt of tho d<scIosure ttatemerrt Iofoonlng you of
)'OUr rights under the ~ FuodsTl'atlSf43r Act and a copy of th1s Agreement.
REGULATION "'F' OISCl.OSURE
1, Summary of Con$utner Uablllty
. AlAC, ACH and SST - Tell us at oooe It )'OU berleYe )'OUr card has been lost (lj"
stolen. Telephoning Is ttJe best ~ to keep)QUr ~ losses down. You oouId
' lose aJllhe money In )'OUr aCXXlUrlt plus ~r maximum ClYerdraft line of aed'rt.. If
)'OU berleYe )'OUt' card has been lost or stolen, and )'OU ten us wfthln two business
days after )'OU learn of the loss (lj" lheft, )'OU can loss no more than $.50 It
someone used )'OUr card without )'OUr permlsslon.
If )'OU do not ten us within two business days after you learn of the loss or theft
of )'OUr card, and we can prove we could have stopped someone from using your
card without your permission it)'OU had told us, you could lose as much as $500.
Also, It )'OUr statement shows transfelS that )'OU aid not make, tell us at 00<:e. If
)'OU do not tea us within 60 days after lhe statement was mailed to you, )'OU may
not get bad< any money )'OU lost after the 60 days It we can prove that we could
have stopped someone from taldng the money 1t)'OU had loId us In time.
.. It a good ~ SUCh as. a long trip or a hospit:aI stay kept )'OU from telling us',
we ~ elC1eod the time periods. '. .
2. Telephone Numb<< and Address to Notfty of Unauthorized Transfel'8
. AlAC - Contact PSECU at (800) 237-7328 or Money Act::ess Service (MAC) at
(800) 523--4175 during PSECU norHlusroess hour$, then follow up by contacting
PSECU al (800) 237-7328 the next business day.
. ACH .nd SST - Contact PSECU' at (800) 237-7'328 (natlonwlde) or
(717) 234-64a4 (In ~)..
Or WTfte to us at
Penncyfvanla State ~ endlt Union
P.O. Box 67013
Harrisburg, PA 17106-7013
PSECU Buslneu H<xtrs
7;00 am. - 5;00 p.m. M - F
8;00 8.m. - Nooo Saturday
roo (800) 472-1967 Na~
(717) 777-2100 In Harrisburg
3. Flnal'lclal In&tttutfon's Buslneu Days
. UAC, ACH and SST - PSECU's Buslness Days are Monday througil Frlday,
Holidays not Included.
4(. Types of Electronic Tran$fel'8 a Consumer May Make
. UAC - BaJanoe Inquiries 00 d1eddog, savings and PSt.; 'o\o'ithdrawals from
~savlngs; cash advance. from PSt.; deposits to cheddr.g/sevl~;
PJrd\ase goods and set"ti<>>s at any accepting retall esta.bIishme nt.
. ACH - PrealJt1100zad debits and cred"fts to ch&:Xing and ~.
. SST - 6aJanoe inqtMes and transaction hlstories 00 all share, certificale and
loan eo:::ou.ts; transfen; from any chare So ano<ner cI1are ex.1oan account from
:)001' PSlto any share (lj" loan &ecovrlt; wfthdrawals from any c.hare ~ IRA
~ ex oertfficates. .
A<.A(.; - "Ill)' oeOlS 10<" ead1 ~ (cash advance (lj" Wfthd
$:20; fitly oeots ~ 6ad1 Iransactloo O'o'e( 15 per rnnn.... ~ less lhar.
ctlarpe on e.actJ' balanoe 1oqWy. ""- ..... 80d a 2S oem
. ACH - $20 sefvloe ~ lox ~ Iuods ~ eacta electronic
SST - nooe ~r.
6. Summary of CoNumec'a RIght to Reoefv" ~ 0( EFr
. UAC -)bu are entitled to f'llOeNe a prlntoo feOeIp( at the time a
~~~~=~~k:~~~
PSECU may Impose during !he month. ~ -. __ or ~e. ACH and SST - You wlI reoelve a monthly statement ~ the cta!l.I$
aa::ount, any transactions ~ during !tie lnClrJlh, and any P80alties of )'OOc"
PSECU may Impose during the month. (lj"~
- If you have lI1I'a.nged to have a direct ~ made to)'Our 8Ccount ...__
every 60 days from !tie same persoo (lj" ~, )'Ou can cal( at -.:., once
7328 &0 find out whetI1er 0( not ttJe ~ has been made. US at (800) 237-
7. Stop Payment RIghts. Pre-authortzed transfers
. MAC IInd SST - Not app/icable.
. ACH - Right to Stop Payment and P/"OCedure.1o(- doing ao. 1t)'Ou have told
us In advance to make regular payments out of )'our ~ )'Ou can Stop
of. these payments. Here's how: Caa US at (800) 237-7328 ~tz
(717) 234-a484 (HarrIsburg) or wr1te us at Pe~ State ~ Credic
Union. P.O. Box 67013, HarristxJrg, PA. 17106-70':13," time b- Us to ~)'OUr-
I'eqUest he6 busloess dayS ()( more belore the payment Is Cdledufed to be
made. If )'OU call, we may also requlre )'OU &0 put )'our I'8q\Jest In Wlfllog and pet
It to US Yitthln 14 days after)'OU call ,
. No&;., ofVuyfng Am(x.Jnf$.. tf these regular payments may\'alyln Illnount, th&
peo;on ~ are going lo pay will ten you, 10 days before eadl P<I1'ment. \Or'hen It
WIll be made and how rnud11t will be. You may dloose Inslead to Qet ltlIs notic&
oNy v.tleo the payment would differ by more than a Clertalo 8rtlCXa'1t from that
pnl\o'Ious payrMnt, or when the amount WOUld tall outside certain Im/ts that)'OU
sel'
. UlIbIIJty for nllure to Stop P.~t of Prea~TrarJ$(e~ tt)'Ou order
us to stop one of these payments tI1ree business days ()( more beb'e the
.' .transfer Is scheduled, and we do not do so, we will be &able b-)'OUr losses ex-
dama~ unless tye request and do not recelve written cordinnation of an oral
stop payment within 14 days and ttJe transfe r takes pIaoe after 14( days., or )'OU
tail to giYe us proper Instructions that would enable us to ptace the stop on the
transfer. .
8. Summary of the FlnanclallnsUtlltlon's Failure to Make 01' Stop CertaIn
Transfer. '
. MAC. If PSECU fails to complete a transaction on time or In the correct arnoun~
when Properly lnstnJcted by )'OU, PSECU will be iabIe br damapes caused by
our fallure unless: (1) !tIere are insuffICient funds 1n)'OUr account to c:orTl>lete tile-
transfer; (2) the funds In ~r account are uncoIIeded; (3) the funds ere sUbJect
to IegaIprooess; (4) !tie transaafon ~ request would exceecI the ftms ln)'OUr
a<xount plus any available overdraft protection; (5) the Money Io.t:t;e$s Genfer.
PLUS cystem 0( HONOR .4JM has InsufIiclent cash to complete the transaction;
(6) )'OUr C8Id has been reported lost 0( stolen and)'OU are using 1he reported'
card: (7) PSECU.J1as reason 10 beliew Ulat the ht1sac:tIon requested. Is:
~ (8) lhe failure Is ~ to an equIpmeot tx'eakd9wn that )'O<.l knOw
about when )'O<J started the transaction at the Money N:.cess Center, PlUS
System 0( HONOR .cJM; (9) the taKure was caused ,by 811 act of God, tire, ()('
OCher C8tastrtlphe or by any other c:euse ~ ~ (10) 1f)'OU ~ 10
~ · ~ that, at << Money Aor:1It$s Center. PlUS S)$tem 0(
HONOR ArM, 0( nlercnant tennlnal that Is no( . pennls:slble ~ Isted
&bow; ()(, (11) lhe transaction would exo&ed the securfty ImIta1locls on the use
of )001' Money h:03$$ Card
. ACH and SST - ff PSECU faJIs to complete a transadlon on tlcM or In 1he correct
8ITlOU1t, when properly ,Instructed by )'OU, PSECU ~ be iable b- damaO:
caused by our failure lK1less: (1) there are Insuffident funds In ~(3ac:count) 1he funds
compIe(e the transfer, (2) the funds In )'OUl' aocounl are uncollected, the
are sotJiect to legal process; (4) the transactlon )'O<.l request would exoeed
funds In )'OUl' accoorrt plus any ava/table overdraft cred(t; (5) PSe;:;: ~~
to beliew that the transactlon nl<jI.Iested Is U'llIuthortzed; (6) be)'ood
caused by an act of God, fire, 0( other catastrophe, or by another ~~ If the
control. In arry case, PSECU shaIJ be iabIe b- actual proYen ~"" PSEWs
tlJJure to make the lran:saction resulted from a bona fide II rror wv.>y'.e
procedures to avoid sud111 rrors..
11. Disclosure to thIrd PartIes . aO::OUnt to
MAC, ACH and SST . PSECU wl1l disdose lnIormaoon ~. ~to ~rlfy the
third pa.rtles; (1) v.fleIllt is necessary to complete transactIonS, of ttJlrd party,
existeooe and standing of)'OUr ao::oont wItt1 PSECU upoo request coort orden;;
wd1 as a credit bureau; (3) to comply wftt1 oovernment 8QElncy or rrvnent or
(4) In 8CCOn:1anoe wftt1)'OUr writtoo permlssloo; (5) to oom~~::, receipt of
8<lminlstra.tiw aQElncy 5U~, SU:lpoenas, (lj" court. IS, fa( inklo'natloo
certfficatloo from a Federal ~ (lj" ~ tI1a:l aof~ ilnd (7) when It
Is In comp4ance wfth the RJght to FhardaI Privacy Act ,
,Is necessary to take ~ actlcx1to I'9COYer cMres.
. MAC Only - ~ -may use )'OUf' MONEY ACCESS CARD wlth )'OUl" Personal
Idencllicatlon Number ~N) at MONEY ACCESS CENTERS located In Delaware,
~ NiJw ~ and ~ 10 conduct any 0( !he tolSowYlg
hnsa<:tIons t;lc'the acQ:l(Xlts aroessed by ~ MONEY ACCESs CARD.
a) Oetennine lhe aoc:oun( balanoe(s) 0( )'OIX Cheddng your Regu<ar Shares,
and )'OUf Personal Sen.ioe Loan (PSl.).
tl) Withdraw cash from )'OOf et.eddog and )'00( Regular Shares.
c) Make a cash advanoe from your Personal SeMoa loan (?SL).
d) Deposltc:urrency. chedcs, ocdrafts (coins are no( ac:cepta.b/6) blransmissioo
to PSECU b deposlt In )'OUr Cheddng and your Regular Shares.
NOTE: There are imlted locations In Ma.rytand where deposits may be made.
We wish to inform )'OU that some MONEY ACCESS CENTERs located in these
. areas may only provide acx:ess to)'OUr Cheddng,)'OUr Regular Shares, and your
PecsonaJ &lMce loan. Not aD MONEY ACCESS CENTERs may a<X:ept
deposlts. There may also be limits 00 the amount of funds wtIict1 )'OU may
deposit in certain MONEY ACCESS CENTERS.
11. PLUS SYSTEM" Services ,
. MAC Only - You may use )'CXJr MONEY ACCESS CARD with your Personal
Ideotification Number (pIN) at any PWS SYSTEM automated teUer machine
(PlUS SYSTEM ArM) located throcJghout the United States, Puerto Rico,
Canada, Great BntaIn and Japan to oooduct any of lhe toI1owing transactioos 00
lhe aOClOYnts a~ by )'OUf' MONEY ACCESS CARD.
a) Determine the aocount balance(s) of your Cheddng, )'O<Jr Regular Shares,
and )'OUr Personal SeMoe Loan (PSl.).
b) Withdraw cash from )'OUf Cheddng and )'OUf Regular Shares.
c) Make II cash acfvance rrom)'OUr Pers<xIaJ Service loan (PSL).
NOTE: Oeposlts are no( available through PlUS SYSTEM ATMs..
These are 1M MONEY ACCESS CENTER sei-vloes currently avalIable througl
lhe PLUS SYSTEM networ1t. Other seMces may be offered In the future.
12. HONO~ System SerVices
. AlAC Only - You may use )'OUr MONEY ACCESS CARD with )'OUr Personal
Identiticatioo Number (PiN) at any HONOR automated !eUer machine (HONOR
AlM) located throughout Florida and other areas wflere 1he.r.e are HONOR
ATMs. The t>lIowfng transactions may be done 00 the ao:::oufrts accessed by
)'OlX MONEY ACCESS CARD.
a) Detennine the account baJanoe(s) or )'OUr Ctleddng, your Regular Shares.
and your Personal Service loan (PSL).
b) Withdraw cash from )'OUr Checking and)'OUf Regular Shares.
c) Make a cash advance from )'Our Personal Servloe loan (PSL).
NOTE: Deposits are not available through HONOR SYSTEM ATMs.
These are the MONEY ACCESS CENTER services currently ava1IabIe 1tvough
lhe HONOR SYSTEM netwof1c. Other services may. be offered In ~ future.
13. Othec' ATM Network Acces.s
. MAC Only. From time to time, PSECU may make a~ments with other.a:rM
networlcs to grant 11008$$ 10 MONEY ACCESS CARDs. PSECU shall Inform )'OU
when such arrangemeots are made and describe 1he C6Mces that are available
to )00. My charges will also be de$crbed.
14. Pun:flue Transa<:UoM
. AlAC Only.. ~ may use the MONEY ACCESS CARD 10 putdlase goods ~
uMoes ("Pun:hasej at any retaI establistvnen( ("Men::hanr') wheAl MONEY
ACCESS CA.ROC are acciepled by such ~ The atnOU1t of .. sudl.
Purct\ases Yr1ll. be deducted from )'OlX Cheddng. When )00 inak.e a FVchase
using 1he MONEY ACCESS CARD, )00 will be requesf1ng PSECU to wfthd:aw
fu'lds from your Cheddng In the amount 0( ltle Purc:hase and directing PSECU
to pay these h.nds 10 IUdl Merchant.
15. UmttatIon.I on tM Use of your MONEY ACCESS CARD
. UAC Only - You may withdraw up 10 $500 per day from one Of a c:omblnation 0(
)'QUI" accounts by using a MONEY ACCESS CARD provided ltle funds are
avalIable at a MONEY ACCESS CENTER, PlUS SYSTEM Of HONOR System
A11.1. In adcitJon, )'OU may ~ up to $500 at point of 5ale
b:atioos. PSECU reserws the right 10 reduoe this dally limit at any time. In ltle
event that )'OUr dally ImIt Is less than $500, PSECU wtll advtse )'OU of the new
limitation. The day b' withdrawal imits starts at 12 midnlgtrt eadl day and ends
at 12 midnight the next day. For security pu~, there are also certaIn dally
limitations 00 the frequency or use of the MONEY ACCESS CARD. Howewr.
~ imitatioos are not reveakld lor Security reasons. The Pennsytvarua State
Employees Cre<ftl Union Is not obliged to malntain sudllimltations..
You will be denied use of your MONEY ACCESS CARD If you exceed the daily
withdrawaVpurcha.sa 1imJt. If )'OU do not ha...e adequate funds available In your
&ecoonl. do not enter the COCTect Personal IdentiflC8tJoo Number (PIN), 0(
excee<:l the frequeocy 01 usage limitation. The receipt provided by the MONEY
ACCESS CENTER, ,PLUS SYSTEM. 0( HONOR System nM, Of Mei1:::hanl
\emWl41 win nOO1y )'OU of the deolaJ. The1-e Is a limit 00 the ~ 0( sud1
deolals permitted. Attempts to exceed the limit will resutt In machine retentSoo 0(
. AlAe, ACH and SST -10 c.ase 0( em)(S 0( QUestions about)'ouc lnln...~
Dlrect InquItIes lo PSECDat (800) 237-7328 Natloowlde. Too .:..~~
Nalloowlde, (717) 177-.2100 In Harr1:sburg. Of wrfte PSEcu ,goo) 472-1967
State ~ ~ UoIoo. P.O. Box 67013, Hao1stx.-g. ~ 17~
soon as )'OU can It )00 think )'O(K statement Of receipt Is WTong Of It 7013, as
more Infonnallon abou( . trBnsaaion bled 00 lhe sta1ement Of ' )'Cu need
must hear from )'OU no later lhan 00 days atter It cent you the ~......~
~ the problem Of errOf appeared. 'rou IroSt PfO'vIde the ~:--.taIl( 00
(8) Y()(J( name. account oomber, and MONEY ACCess CARD number 1ntonn8(1f lion:
tran:sacllon), 0( reference number (If Sen-SeMoe T~ 1i . MAc
~ the error 0( the tr8nsac:tb1 )'OU are UO$Ure abOut. ~); (b)
d6ar1y as you can why )'OU belieYe k Is an elT\)(' Of why yOu need !he~. as
and; (c) The dollar amount of the suspected elT\)('. lion,
If you tell PSECU orally, )'OU IroSt send )'OUl" complaint 0( QUestion .
wfthin 10 buslness days. PSECU will tell )'OU the results 0( the ~~
witI1ln 10 business days b MONEY ACCESS CeITER, PluS""'""\Fiilion
HONOR SYSTEM, SB..F-SERVlCE TELEPHONE, Of DIRECT OEBrr=
TAANSACTlONS, or 2Q days for MONEY ACCESS CENTeR IlUr'chase
transactions. If we ooed more time, howtr.oer. we may take up 10 o(S .b._
MONEY ACCESS CENTER, PlUS SYSTEM, HONOR SYSTEM, -P for
SERVICE TaEPHONE, or DIRECT DEBrrlCREDrr TRANSACnoNs S~
days b' MONEY ACCESS CENTER ~ transadioos.lf PSECU decides
10 do tills, It will recred'a )'OUr account wIU1ln 10 buslness days b the amoUnt )'OU
tI1Ink Is h error If It Is a MONEY 1.CCESS CENTER, PUJS ~ HONOR
. SYSTEM, SELF-SERVICE TELEPHONE, or DIRECT OEBrrlCREDIT
tlansaction, 0( 20 business days It It ~ a MONEY ACCESS CENTER P\lfdlese
transaction 'rbu wUI have the use 0( the money during the 1Ime k takes 10
complete the ~ It PSECU does not recelve )'OUr ~ Of'
que.stioo 1<1 writing withJn 10 business days, PSECU may not. recredit your
accounL It PSECU decides there Is no error, )'OU will be a<:Msed within three
business days alter the InYestigatIoo ~ completed. You may ask b' copies 0( the
~ PSECU used In the In...estlgation. 11 PSECU credits )'OUr lIO:Oufrt
while nvestigaOng, )'OU IOOSt repay ~ funds If PSECU ooocludes no elTOC'"
has oc::Curred.
NoUoe To Consumera UsIng ATM's
., Be alert to )'OUr 6urroundinos. It )'00 doubt the sarety of a particular location,'
c:t1oose another ATM. .
. If the ATM has an entry door, c:los.e 1he door prior to Initiating )'OUr transaction.
. Put your cash away 1mme<flCltely.
. Direct complaints conoeming ATM security 10 an appropriate department ot
the owner of the ATM. New ~rs.ey residents: you may calIlhe New Jersey
Department of Banking at (609) 2S2,.7Z72.
For those members who purchase a vehl~le u~der ~e
DRIV Program, please revIew the following FTC Notice:
NOTICE
ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT
IS SUBJECT TO All CLAJMS AND DEFENSES WHICH
ruE DEBTOR COULD ASSERT AGAINST THE SELLER
OF GOODS. OR SERVICES OBTAINED WITH THE
PROCEEDS HEREOF. . RECOVERY HEREUNDER BYTHE
DEBTOR SHALL NOT EXCEED AMOUNTS PAID BYTHE
DeBTOR HEREUNDER.
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IN RE:
ROBERT FLOYD BRZOSTOWICZ,
PETITIONER
IN THE COURT OF COMMON PLEAS
OF CUMBERLI\ND COUNTY,
PENNSYLVANIA
.
.
: NO.03-q~ CIVILTERM
ORDER
AND NOW, this ~/1;Lday of l.<< (jUJv
, 2003, upon consideration of the
attached petition, it is hereby Ordered and Directed that a hearing shall be scheduled at
~ ~~ (!'!udMTJ# 3 , on the /9 ~y of
,2003, at r: ~'clockKm., for a hearing on the petition.
. J.
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CASE NO: 2003-00903 P
SHERIFF'S RETURN - REGULAR
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
PENNSYLVANIA STATE EMPLOYEES
VS
COOK MARTIN L ET AL
RONALD HOOVER
, Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
was served upon
COOK MARTIN L
the
DEFENDANT
, at 1832:00 HOURS, on the 7th day of March
, 2003
at 3803 CHIPPENHAM ROAD
MECHANICSBURG, PA 17055
by handing to
MARTIN L COOK
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
18.00
9.66
.00
10.00
.00
37.66
~~;~,;",;_'d-
J'<~
"^,/-..~,,,;-::.,-~
R. Thomas Kline
03/10/2003
GODFREY & COURTNEY
Sworn and Subscribed to before
me this
day of
By: ~. ~_ -;/ /?
~-~/
Deputy Sheriff
A.D.
'~~
CASE NO: 2003-00903 P
SHERIFF'S RETURN - REGULAR
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
RENNSYLVANIA STATE EMPLOYEES
vs
COOK MARTIN L ET AL
RONALD HOOVER
, Sheriff or Deputy Sheriff of
CUmberland County, PennsYlvania, who being duly sworn acCording to law,
says, the within COMPLAINT & NOTICE was served uPon
COOK KAREN J the
;FENDANT , at 1832:00 HOURS, on the 7th day of March , 2003
- - ---c.:: ----.c..
at 3803 CHIPPENHAM ROAD
~ECHANICSBURG, PA 17055
MARTIN L. COOK, HUSBAND
by handing to
a true and attested copy of COMPLAINT & NOTICE
=
together with
and at the same time directing His attention to the Contents thereof.
-
=
Sheriff's Costs:
Docketing
Service
Affidavit
SurCharge
6.00
.00
.00
10.00
.00
16.00
Sworn and Subscribed to before
me this
day of
So AnSWers:
r-~~"
R. Thomas Kline/ .
03/10/2003
GODFREY & COURTNEY
By, a .:--?~
- .~~~....
Deputy Sher f
(J
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNSYLVANIA
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
NO. 2003-00903
Plaintiff
vs.
MARTIN L. COOK and KAREN J. COOK,
Defendants
CIVIL ACTION -LAW
TO: Martin and Karen Cook. Defendant
You are hereby notified that on ~?~tja 1. the following (9ffief) (Degree) (Judgment)
has been entered against you in the above captioned case for your failure to file an answer to the
complaint in the total amount of $16.296.46 plus costs and interest is hereby entered.
DATE:
~, I! x=;
Prothonotary 7' ~
I hereby certify that the name and address of the proper person(s) to receive this notice is:
Jy -;). "1- D ::!.
Martin and Karen Cook
3803 Chippenham Road
Mechanicsburg. P A 17055
To Martin and Karen Cook. Defendido/a (Defendidos/as)
Por este medio se Ie esta notificando que EI de
Del . El/la siguiente (Qffiefl) (Decreto)
(Fallo) ha sido anotado en contra suya en el caso mencionado en el epigrafe.
FECHA:
Prothonotario
Certifico que la siguiente direccion es la del defendido/a segun indicada en el certificado
de residencia:
Martin and Karen Cook
3803 Chippenham Road
Mechanicsburg. P A 17055
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNSYLVANIA
PENNSYL VANIA STATE EMPLOYEES
CREDIT UNION,
NO. 2003-00903
Plaintiff
vs.
MARTIN L. COOK and KAREN J. COOK,
Defendants
CIVIL ACTION -LAW
PRAECIPE FOR JUDGMENT
Enter Judgment in favor of Plaintiff and against Defendant, Martin L. and Karen Cook,
for want of ANSWER TO COMPLAINT.
(X) Assess damages as follows:
Debt ______________________________________________________-----------$ 13,559.56
Attorney' s Commission------------------------------------------ $ 2,736.90
Interest-------------------------------------------------------------- $ to be determined
Filing costs--------------------------------------------------------- $ to be determined
TOT AL------------------------------------------------------------- $ 16.296.46 plus costs
(X) I certify that the foregoing assessment of damages is for specified amounts alleged
to be due in the complaint and is calculable as a sum certain from the complaint.
(X) Pursuant to Pa.R.C.P. 237 (Notice of Praecipe for final judgment or decree), I
certify that a copy of this praecipe has been mailed to each other party who has appeared in the
action or to hislher Attorney of Record.
(X) Pursuant to Pa.R.C.P. 237.1, I certify that written notice f the intention to file this
praecipe was mailed or delivered to the party against whom judgment' to be entered and to
hislher Attorney of Record, if any, after the default occurred and at ast ten days prior to the date
ofthe fi~ling of this praecipe and a copy of the no' is attache
DATE: ! I) Signature:
S tev: Ulre
A or Plaintiff
P.O. Box 6280, Harrisburg, PA 17112
(717) 540-3900 ID#: 74669
NOW,
~ /;)...,
, 2003, JUDGMENT IS ENTERED AS ABOVE.
~~ Il. ~
Prothonotary/Clerk, Ci~ivision
By: ~.L. 0.-. ~
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNSYLVANIA
PENNSYL VANIA STATE EMPLOYEES
CREDIT UNION,
NO. 2003-00
Plaintiff
vs.
MARTIN L. COOK and KAREN J. COOK,
Defendants
CIVIL ACTION -LAW
TO: Martin and Karen Cook
3803 Chippenham Road
Mechanicsburg, P A 17055
DATE OF NOTICE: 28 March 2003
IMPORT ANT NOTICE
YOU ARE IN DEF AUL T BECAUSE YOU FAILED TO TAKE THE ACTION REQUIRED
OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN (1 0) DAYS FROM THE 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 NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING
OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP:
Cumberland County Bar Assoc.
2 Liberty Avenue
Carlisle, P A 17013
717.249.3166
By:
Stev. n sire
GODFREY & COURTN Y
P.O. Box 6280
Harrisburg, Pennsylvania 17110
Telephone: 717.540.3900
J.D. # 74669
Attorney for Plaintiff
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNSYLVANIA
PENNSYL VANIA STATE EMPLOYEES
CREDIT UNION,
NO. 2003-00
Plaintiff
vs.
MARTIN L. COOK and KAREN J. COOK,
Defendants
CIVIL ACTION -LAW
TO: Martin and Karen Cook
3803 Chippenham Road
Mechanicsburg, PA 17055
DATE OF NOTICE: 28 March 2003
IMPORT ANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU FAILED TO TAKE THE ACTION REQUIRED
OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN (1 0) 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 NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING
OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP:
Cumberland County Bar Assoc.
2 Liberty Avenue
Carlisle, P A 17013
717.249.3166
By:
Steven C. Co ne Esquire
GODFREY & C TNEY
P.O. Box 6280
Harrisburg, Pennsylvania 17110
Telephone: 717.540.3900
I.D. # 74669
Attorney for Plaintiff
OF~CEOFTHEPROTHONOTARY
OF CUMBERLAND COUNTY
Curt Long
Prothonotary
Telephone:
(717) 240-6100
Cumberland County Courthouse
1 Courthouse Square
Carlisle, P A 17013
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff:
PENNSYLVANIA STATE EMPLOYEES CREDIT UNION
versus
Defendant: Martin and Karen Cook
Judgment No. 2003-903
CERTI~CATE OF RESIDENCE
PA. R. C. P. 236
I, hereby certify that the precise residence of Plaintiff is:
Pennsylvania State Employees Credit Union
1 Credit Union Place
Harrisburg, P A 17110
and certify that the last known address ofthe within defendant is:
Martin and Karen Cook
3803 Chippenham Road
Mechanicsburg, P A 17055
'''-,
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PENNSYL VANIA ST ATE EMPLOYEES : IN THE COURT 9F COMMON PLEAS
CREDIT UNION, : c.. ~Jaf)(j. COUNTY, P A
Plaintiff :
vs.
~ NO. d tb3 - LJ:A 03
m~(\ l- C.e:.uL +
ct<q..Rf{) d. Ct:d<j Defendant
PRAECIPE TO WImDRA W/ENTER APPEARANCE
CIVIL ACTION -LAW
TO THE PROTHONOTARY:
Please withdraw Steven C. Courtney, Esquire of the Law Offices of Steven C. Courtney,
P,C. as counsel of record for Plaintiff in the above-referenced matter.
Please enter the appearance of Melissa L. Van Eck, Esquire of Van Eck & Van Eck, P.C.
as counsel of record for the Plaintiff in the above-referenced matter.
Respectfully submitted, /
~,~-
By:
Steven C. Courtney
Attorney ID #74669
P.O. Box 6280
Harrisburg, PA 17\12
717-540-3900
By:
Melissa L. VanEck, Esquire
Attorney ID #85869
P,O, Box 6662
Harrisburg, PA 17\12
717-540-5406
Attorney for Plaintiff
Date:
lJocument#: 2/8597./
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