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Home My WebLink About98-06138 . \, ~ \,. <::J ~ u ~ ..... ~ ~ <:l '1 .< .. ~ .tJ - ,q ,./ Q. ~ ~ ::- ~ :;) ... <::.J 0.. "1 - .J ~ C)' ~ ~ IJWKINSON COIIHiL. J>lailllill L'>;IIIL('OI'I(f'OI' COMMON J>IL,\S · ('( "lIl1,RLt\NIJ ('( HINTY. J>LNNsYIVANIA " ('IVIL ACTIlJN - IAII' IUCI IARIJ T. Cl JRTLR. StJZANNE CORTLR alld CAMLRON S, CORTER. lJe fell d:lllts NO, 1'5 ~136> (I { (r ( e NOTICE TO DEFEND You have oeen slIed ill cOllrt. Jt'yotl wish 10 ddl.-nd against the claims set forth in the following pngcs, you must tHkc nctioll \\'irhinlHclIly (2UJ da)s alter this ('lll11plaint and Notice arc served. hyentering a \vrittcn appearance personally or hy attornc)' and filing in \\-Tiling with the Court your defenses or objec- tions 10 the claims set forth against yotl. Y Oll <Ire warned that if YOll fail to do so, the case mil)' proceed without yotl and ajudgment lIlay be l'ntcn.:d against YOLl by the COllrt \vithout further notice for any money claimed in the Complaint or for ,lilY othl'f claim or n:licfrcqucsh,:d by the Plaintiff. YOlll1lay lose money or property or other rights important to you. YOU SI 10Ul.D TAKE TillS "A"ER TO YOUR LA WYER AT ONCE, IF YOIl DO NOT IIA VE A LAWYER OR CANNOT AFFORD ONE. (iO TO OR TEI.EPIIONE '1'1113 OFFICE SET FORTH BELOW TO FIND OUT WIIERE YOU ('AN (jET lEGAL I lEU', COllrt Admillistrator Cllmher/allil COUIl(J' Courthouse OlIe CourtllOll.\"e Square, 41h Floor Cllrllsle, I'A /7/113 Te/el'llIJlle: (7/7) 24/1-62/1/1 A V I S (J LISTED HA SIDO DEMANDADO/A CIl eorte, Si usted descn delenderse de las demaudas que sc prcscntan mas adclantc en Ins siglliclltes pagill:Js. dcbe tomHr ace ion dentro de 105 proximos veinte (20) dias dcspucs de la notilicacion de csta Dl:l1landa y Aviso mdicando persDnalmcntc 0 por media de un abogado una comparccencia escrita y rmlicando en la Corte por escrito SlIS defensas dc, y objcccioncs a, las dcmandas prcscntadas aqui cn contra slIya. Se Ie advicrte de que si listed nllla de tomar ace ion como sc describe antcriormcntc, cl caSQ pucde proecucr sin LIsted y un Iililo por cualquicr suma de dincro rcclnmada en In demanda 0 cualquicr Dim rcclamm.:ion 0 rCllledio solicilado por cl dClllandanle pllcdc ser dictado en contra suya por In Corte sin mas avisll adil.:ional. Ustcd plIl.:de perdcr dillcro 0 propiedad u otros dereehos importan(es para listed. IISII'IlIJlIlL 111-.\,,\1( I,SIL IlI)C1'\1I :\1(1 A st' '\IUIII,\(,(1 1\I\lUlIAI'\\lLNIL SI \{Sn,l> 1"(1 IIINI' 1':\ ..\Il(lIi..\llIl () :\() 1'1 1'1)1' 1',\(i,\I(II..\ 1':\('.11 ,\\11 () \,,\y,\ A 1.'\ SI(illll.NIL(II'ICIN,\ 1',\1(,\ '\\'IIU(ill,\1( IlIl:\IlI'1'1111l1 1:\l'(INIIC\I( ,\SISII:\('I,\ l1.li,\L, C'ollrl.,1t1mi"i.\/ralor ('lImbalaml ('OII11~l' ('ollflllOlI.\(' (Jill' COllrlllOlI.\'(.' ,\'iJIIIITL', ..fh /'100r ('",iiI"', 1'..1 J 70/.l ,{i''''/'/w/II',' (7/7) 2411-611111 I \ I I' McNEES, W,\LLM'L &. NIIIUl'K /~ By / ~ ,\'\.::-'~ I" . ,tephell:;oll Mauhes ^Uorney LIJ, No,6 7~08 100 I'ille Street 1',0, Box 1166 lIarrisburg. P^ 17108-1166 (717) 232-8000 Attorneys I'or I'laintil'l' I)il,;kinsoll College IJIO\lNSO:--J ('olf ,U;!. I'binlill 1:\ I I II (( It 'I{ I (>I' ('( ),\I\I( 1'-: I'll AS ,(,I \1111 HL""J> ('Otl:--J I y, I'LNNSYIVANIA " (1\'11 ,\( I ION. I ,\ \\ IU('IIAJ{/) T. ('()f{ I ue SIIi'ANNE ('( >In ER an" CAMERON S, ('oRII':f{, IkfL'/Jdallh ~() I ' [,O\lPL\l,lf I. Plaintiff Dil.:kinSll/l ('tlllL't~1..' ("I )iL'~jll\tll1") i, a PCIlIl'iyJ\'<Inia educational institution with its principal of\iees localcd in ("arlisle,l'nmherland ("ollnty. Pennsylvania 1701.1, 2. Dcli:ndanl Rkh:ml T. Corter ("";lIl'III") is ;111 adult individual whose last klHmn address is 1475 Washingtonl.;lIIc. \Vest ChL'SIt...'f. Chcslt.:r COllllty. J\:nnsyl\'ania I <JJX.:!. 3. Dl:ll:/ldalll Stlzanne Corter ("Parellt") is an adult individual whose last kllO\....n addrcss is 204 Mcadow Conrt. Glen Mills. Delaware ('ollllty. Pennsyl,ania 19342, 4. Defendant Cameron S. Corter ("Stlldent") is an adult inuividunl whose last known address is 1475 Washington Lane, Wcst Chcstcr. CheSler ("au Illy, Pcnnsylvania 19352, COUNT I DICKINSON COLLEGE V. IHCIJAIW T. CORTER AND SUZANNE CORTER IlI~EACIJ OF CONTRACT 5. Paragraphs I Ihrough 4 arc incorporated herein hy reference as if sel forth in 1'1111 below. 6, On orabout Scptcmber 24, 1990,I'arel1ls cntered into an Edllcational Goods and Scrviccs Retaillnstalimenl Contract ("first Contract") 1i1r cxpenses incurred for goods and scrvices to be provided and rendercd tothcir son Cameron $, Corter by Dickinson during thc 1990-9 I acadcmie year. A true and correct copy of the contract is incorporated by reference and attached as Exhibit "^". 7, On or abollt October 3 I. 1991. Parents entered into an Educational Goods and SCl'\ il.:l'''i Rl'laillll"it;lIll1lelll ( 'olllral..:t ("Sl'l'Olld ('01111 ad") Illr l"Pl'IIW' illl'lIrred Illr t:\lod"i and "iervil.:l'''i hi he provided and rl'lldered to tlwir SOli ('i1l1ll'roll S. ('PIIl'I h) I >il.:h IIhlllJ durillt: 11ll.: 11)1' l.t)2 ill.:;Uk'IlIit: ycar, A Ifill' <Il1d corre(;t ~opy tlflhl'l'ol1lral'f i"i il1ctllpnr;lll'd h: 1i.:I...'I""lIl'C ~lIid "tladled;1'\ Lxhihil "U" H, ()/1 or ahout ^pril I fl, Il)l)~, Parl'III"i ClIll'fl'd illll) all I'.du(;ational (illod"i and Services Retaillnslallmcnt Contract ("Third ('ulltral.:l") li)r n:pl'/IWS incurred for goods and sl'rvices to he provided and rendercd to their ~O/l ('al1ll'nlJl S.l'orll'r hy l>il.:hlnSOIl during till' 19t)I_9.:! acadcmic year. ^ true and correct copy ofthc contract is ilJl.:orporafl:d hy refercllcc and atl<u.:hl'd as Exhibit "C", 9, 011 or ahout Fc,..hruary J 9, 19t)J, Pan.'lll:.; cIIlcn.:u iflto tin Educational Goous and Services RettliJ Installmcnt Contract (lIFollrth CUlltr:Jl:t") li)r cxpenscs incurred for goods and scrvices to be providcd and rcndered to their SOil Cameron S.l'orter by Dkhinsoll during the 1992-93 acadcmic year. ^ trllc and correct copy of the contract is incorporated by refercnce: and attached as Exhihit "DtI, 10, Under thc terms ofthc First Contract. Parcnts, as "Buyer" agrecd to pay Dickinson Seven Thousand Dollars ($7.000,00) with interest at the initiai rate often point eight one two percent (10,812%) per annum, in one hundred filiy two (152) equal monthly installments of Eighty Four Dollars and Seventy-Fivc Ccnts ($84,75) eommcneing on October 28. 1990 and ending on May 28,2003, II, Under thc terms ofthc Second COlllraet, Parcnts, as "Buyer" agreed to pay Dickinson Seven Thousand Dollars ($7,000,00) with interest at the initial rate of nine point live perecnt (9.5%) per 'lIlnum, in one hundrcd thirty nine (139) cquallllonthly installments of Eighty Three Dollars and Twenty- Three Cents ($83,23) commencing on November 28,1991 and ending May 28, 2003. 12, Under the terms ofthc Third Contract, Parents. as "Buyer" agreed to pay Dickinson Two 'J 11011'..:111<1 I:pur IIIIIIdn.'d I \'l'lIl~ I ),./I.th (~~,I~IIIlIl) "1111 IIIll'fe'>l ;11 IhL' inilial rale of l'lL'\L'1l 'lt.'rn'lll ( 11,0%) per amlllll1, ill 1\"'111,' Ii, \' I~') l''I II a I ",,,,"1,11 1I",,,III1Il'1I1'; "I I ''''Illy hI" /)"lIar, all" Lighle"1I Celll'; ($22,IX) c"""l1crl\'illg "" "I'"' ~X, II)'/e "'"' \'rllhll~ "" ,\pril 2X. 1')1).1, alld sevcllty III" (7e) eqllal rnol1lhly inslalllllellh of l'Orl~ Sf' l)oILII'> and Si\ ("l'lll'.. (~.I().O(I) \:1 I III ll1elH.: ing on f\.lay 2X, P)I),1. 1.1. lInder Ihe Il'fIIh of I Ill' hl\lrlh (\llllral.:l. P;lrl'/Ih. as "Bu)'l'r" agreed 10 pay I>il.:kinsoll Three Thollsand Six Ilulldll'd f)oll<lh C"il,I,fIOO.OO) "ith illll'rc'>l alllw initial raiL' ofsl'Vl.'lI POilillive percent (7.5%) pef anllUlIl, ill Olle hUlldrL'd h\L'lIly f(Hlr (12.') equallllOl1lhly inslalhnel1ls of Forty On~ DoJl:lr.\ alld Eig/lcy-Olle Cellls ($.) I ,x I) wmmelleill~ "" Febrllary 2X. 11)1).1 alld clldillg 011 May 2X, 2003, 14, Seeliollll ofthc COllllael(s) pro, ides that "If a p"ymellt is more than 15 days laic, a snm equivalelltlo 5% of the late paymell' (but "" m"re than $2,50 alld II0tleSS thall $1,(0) may be ehargcd," I 5, Section VI. Paragraph .1(al ofllll' COlltraet(s) provides that "Bllyer shall be deem cd to havc committed an . Event of Delillilt' of the COlltracts upollthe occurrellee of allY of the following: (a) failure to make any payment on or before thl: dale il is duc...." 16, Scctioll VI. Paragraph 4 of the ('olltract(s) pro,idcs that ifall Evellt of Dc t:,U It ofthc contract occurs. and is not eured by the Buyer pursuant 10 the Noliel: of Default, Dickinson has Uthe right to dcclarc all sums duc on the coulraet to be immcdiately duc and payable," 17, Parents delaulted on the Contraet(s) by lailing to make the required monthly payments on the Contract(s) duc and owing to Dickinson sincc Allgust 22, 1994 on the first and fourth Contracts May 4, 1995 onthc second and third Contracts, 18. Notices were forwarded to Parents informing them of Iheir default and right to Cllre slIch default, signer, thereby agn:t:ing 10 rl.'pa) all alllllunh dill.' 11111111.' I\lall ill';lrl.'lIh dt.:I;IlIlII.'d ill ai.:COrdalll.'l' with Ihe Il.'rllls of IIH.' ('olltracl. SI.'t.' I'.\hihit B, 25. ()ulIr :dllJul April I (" I(}l)~, ('allll.'llIlI S. l'(llkr C\I.'clIlcd Ihl.' I hint ('onlract as a co.signcr. therchy agrecing 10 repay all alllollllls dill.' (llIlhe loall if Parents dcl:lIllll'd ill ;u,:col'dalli.:e with the terms oflhe Contract. See I':xhihil (', 26. On or ahouI Fehruary 1 <J, I t)t)J. (';tllll.'rllll S, ('oriel' l',\eclItcd Ihe hHlrth ('Olltritcl as II co-signer. tln:rehy agreeing to repay all amounts due olIthl.' loan if Parents de!:lUlted in accordance with thc tcrms ofthc Contract. See Exhibit J), 27. Cameron S.Corter signed the Contract(s) as "Student Cosigner" and ill doing so agreed to "rcpay all amollnts dlle on this loan if the 1l0rnl\ler(s)llluyer(s) "Iii to do so in accordance with thc terms of the Note", 28. Because Parents have railed to make payments due causing the Contract(s) to be in default, Cameron S. Corter is obligated to repaY:l1l amollnts due under these Contracts. 29. Dickinson has demanded payment of till.' obligations owed to it by Cameron S. Corter under the above Contracts, 30, Cameron S, Corter bas (;Iiied to make such paymcnt. 3 I, The total amollnt wbieh has become immediately due an payablc to Dickinson by Cameron S, Corter pursuant to the Contracts as of September 14, 1998, is Twenty Four Thousand Nine Hundred Forty-Four Dollars and Sixteen Cents ($24.944,16). which inelndes principal in the amount of Eightecn Thousand Six Hundred Eight-One Doliars and Eighty-Six Ccnts ($18,681,86), interest in the amount of Five Thousand N inc Hundred Five Dollars and Seventy-Six Cents ($5,905.76), late fees in the f " :~ . , and rcfusl.'d to do so. \VIIERI.:n >10':, Plainlilll )il'~ilhUII ('plll'!!\.' dl'llldlld'. 1 II d)_' II 11.'111 .11',1111',1 I kklldillll ( 'illllcroll S. l I ('orll'r illlhc Stllll 01'1'\\l.'1I1)' rour Thousand r\illl.' IIl1l1dll'd I-ll"~-I our 1>01LH'. allll Si'll'Cll (\'lIh " I , ($~4.944,16). plus illlerest from Scplember 1.1. II)I)X allhe "'I" illdICat,'d ollll1e ,,"li, idllal COlllract(s). until Cameron S. t'orler's ()hligalioll is paid ill full, plU"l'osb of"uil, ;lIloflley,' fcl" and l'OIlc..'l.:lioll costs. McNFFS, WAI.I.ACE & NIIRICK Il),. \ \ \,\,,-~ -F:~te;1ilel~sZlI1 ~~~ Anome)' 1.1), No,6740X IOIJ Pille Street !" (), Box i 166 Harrisburg.!'A 17108-1166 (717)23~-8000 ^ttorncys fix Plaintiff Dickinson College f I ';::UUUC 't\ I )( ) N SUbjl'i.:t 10 tht.' pt.'l1aIt it..... uf I X I'i!. (' .S. s.Jl)lJ., rl.'latillg Itl IIJh\\llrll lahilil.:;llillll hi ;I111hlllil il..... J IH..'rd)y 4,,;crtify that I al1l 'I hOIll"'" It :\kycr. A~sistallt Trl'aslln:r or I>jl.:~il1"'OIl ('olh..'gc. :Jlld alii :Il1lhori/Cd 10 vcril).' Ihis Complaint 011 ih 11\:l1alf. and further. that the l;u:ts Sl't forth ill Ihl: fon:going ('olllplaint arc true Hlld corrc:4,,;t to th~ best ~lrmy infllrmalion and helief. " Thomas B. !vJe)'cr Datcd: II) .1'< \ " ;l> -r" " r . , , " ,', '1'. 't. " '" \-: , ~, , I', f; I \ . ! " i ~. , \ ~ , . .'?~ t! , . ,r " . f r DIO<INOON all.lJXJE F1EXIBLE FINANCW3 SYsrD1 - 7000 PLAN EDUCATIONAL GCO[X3 AND SERVICES RETAIL INSfALLMENT COtWACT Date September 24, 1990 I. Seller: Dickinson College, Carlisle. PennsylvanJa 17013 Richard T. and Suzanne Corter I I " ! B..1yer(s) : 1475 Washin9ton Lane West Chester, PA 19382 If there is more than one Buyer. each of you will be obligated. jointly and severally. for all sums due and for the performance of all agreements as provided in this Contr,'1ct, Under the terms of this Educational Goods and Services Retail Installment O)ntract, you have agreed to pay the expenses incurred for goods and services to re provided and rendered. as the case may be. to Cameron Corter (hereinafter "Student") during his/her enrollment at Dickinson College durirg the 1990 111 academic year. including tuition. room and board. books and supplies as herein stated (hereinafter the "Goods and Services") . The Goods and Services shall include only tuition. room and board, II. TERMS OF PAYMENI' AND PAYMENI' SCHEDULE Disclosures Required by Federal Law ANNUAL PERCENTAGE RATE: * Cost of credi t as yearly rate FINANCE CHARGE: Dollar amount credit will cost Buyer AMOUNI' FINANCED: Amount of credi t provided by Dickinson College TOTAL OF PAYMENTS: Amount paid by Buyer as total of all scheduled payments TOTAL SALE PRICE: Total cost of purchase on credi t . in- cludirg down payment of $ 11,630.00 10.812 % $ 5,882.00 $ 7 ,000.00 $ 12.882.00 $ 18,630.00 Rev 9/89 f f [;UYf.:'l"'t; [).),1rj<}nt ~~('h,,,,,llll,, wIll }'..:: d~1 i()11()w~-;: Number of Payments Am0unt of PuYI1i"nt::; 152 'Variable Rate: Late Charge: Prepayment: Wt1cn p,)ym':nt~3 <3r': [~je $84,75 Monthly commencHig unt i I 5/28/03 10/28/90 The ANNUAL PERCENTAGE r<ATE disclosed above JS a vanable rute and may change, The ANNUAL PERCENTAGE RATE may increase during the term of this transaction if the prime rate of interest announced in the Wall Street Journal as of the close of l:usiness on June 30 of each calendar year increases, and wi 11 be increased to the prime rate plus 1%. The ANNUAL PERCENTAGE RATE wi 11 not increase more than once a year. and the new interest rate wi 11 become effective on July 1 f0110win9 the increase. if any, in the prime rate of interest, Any increase will be in the form of higher payment amounts, If your cost of the Goods and Services sold hereurder were $ 7.000.00 at 11.00 % per annum for lli- months, and the prime rate plus 1% were increased to 1?00 %. your regular monthly payments would increase to $S8.8g Further. the ANNUAL PERCENTAGE RATE wi 11 not increase. to more than 18% or such other rate as may be permitted under the Pennsylvania Goods and Services Installment Sales Act. If a payment is more than 15 days late, a sum equivalent to 5% of' the late payment (but no more than $2,50 and not less than $1,00) may be charged, B..1yer may prepay the unpaid balance of the Amount Financed and any FINANCE GlARGE due through the date of early payment, in full or in p"1rt, without penalty, SEE SECTION VI OF TIlE CONTRACT BELDW FOR ANY ADDITIONAL INFORMATION AE'OtJ]' NON-PAYMENT. DEFAULT AND RmUIRED REPAYMENT BEFORE TIlE SCHEDULED DATE FOR REPAYMENI' OF TIlE AMOUNT FINANCED . III. ITEMIZATION OF AMOUNI' FINANCED 1. Cash price of (~ and Services: $ 18,630.00 2. Tota 1 down payment: 11,630.00 3. Unpaid balance of cash price (1 - 2): 7,000.00 4, Amount paid to others on Buyer's behal f: 0 5. Amount Financed (3 + 4): $ 7,000.00 2 f f 1 V ' ' :i-:i 1 ,IT It C\Jl<AlI(:l: ('r,:-dlt. lIfe 1l'\S\)!',lnr", fr'l' Uv, V'l'1!I (of t.hl'l <:cJf!t,l':,,-t, I':; nr,t l"~'rj)r{:ct, V, II) W1\f.;f.:ANTIE3 TI{EHE lIRE fO WARRANTIES, EITIlrn EXPf<ESSED OH IMPLIill, '31'181 BY SELLER Itl COllNalION 111111 SALE Of TIlE GOODS AND SERVICES COVERED BY TInS cwmACT UllLE3S BUYER HAS bFJ}l GIVEN A SEPARATE WRI11Ul \IlIRP,Moffl, VI, ADDITIONAL POOVISlONS 1. Buyer agrees to pay Seller the Total Sale Price by making the total down payment and paying Seller the Total of Payments in the number and amount of monthly payments shown in the Payment Schedule. Payments are due on or before the same date of each month as the first payment date, Payments must be made to first Wachovia, Inc, at the followif'g address: First Wachovia, Inc, P.O, B::lx 70095 O1arlotte, NC 28272-{)095 2. Buyer's legal rights include the right to pay all or part of the amounts due on this Contract in advance of their due dates. to obtain a refund or credit of unearned Finance Charge whenever the amount is paid in full in advance, and (with Seller's consent) to reinstate the Contract if Buyer timely cures any default, 3, Buyer shall be deemed to have committed an "Event of Default" of the Contract upon the occurrence of any of the following: (a) failure to make any payment on or before the date it is due, (bl failure to make a payment on any other Contract outstanding with Seller. (c) failure to perform any other provision of the Contract, (dl providing Seller with false information or signatures, (el death, incompetence. or conviction of any Buyer of crime involving fraud or dishonesty. (fl insolvency or bankruptcy of any B..1yer. 4. Upon or after the occurrence of any Event of Default, Seller will provide Buyer with notice. by certified mail as required by law, addressed to Buyer's last known address as shown on Seller's records, advising Buyer of the default and of Buyer's right to cure the default, The notice will provide the time, amount and performance necessary to cure the default, If Buyer does not cure the default as provided in the notice, Seller's rights shall include the right to declare all sums due on the Contract to be immediately due and payable, The B..1yer agrees to pay all attorney's fees and other reasonable collection costs and charges necessary for the collection of any amount not paid when due, 5, Waiver by Seller of any Event of Default shall not be binding upon Seller if Seller should thereafter choose to exercise that or any other right or a simi ler Event of Default occurs later. All Seller's rights and remedies shall be cumulative, Seller'S e:~ercise of one or more rights shall not cause Seller to lose any other rights. 6, This Contract is freely assignable by Seller, El..lyer agrees that upon receivirg notice of the assignment Buyer shall be obl igated to the Assignee ,)f this Contract. which Assignee shall have all of Seller's right and remedies, , ';1 i , I I 3 f r 7. If any part of this Contract IS held to I>, lll',pl. vOid ('I llnc:nforce~le, th~t provJsion shall be deem~ not to h"ve )',"n ,\ 1,"'1 "f 1 Ill:; ':"!t1tr,lCt, which shCll1 otherwise remain fully effectlve, e, APPLICABLE LAW: This Agreement, when"v0r C,) 11 .,d "ly;n to b., corlStrued, shill I b~ governed by the domestJc internal laws of th., Comrnconwe,11 th of Pennsylvanla except to the extent supplemented, superseded or pr',empt('d by f,.-derul law, 9, CONSEN!' TO JURISDICTION, VENUE AND SERVIG;: 111(' r>1rt)"S to t.hJS Agreement con.sent and agree that all legal proceedings relating to the subject matter hereof shall be maintained in the Court of Common Pleus of CwnJ:m-lurd County. Pennsylvania. or, if applicable. the United States District Court of the Middle District of Pennsylvllnia. and all parties hereto consent and agree that jurisdiction an:! venue for such proceedings shall lie exclusively within said court, Service of process in any such proceeding may be made by certified mall. return receipt requested, directed to the respective party at the address set forth above, 10. This Contract shall be binding upon the parties hereto, their heirs. ~lccessors. assigns and legal representatives. 11. TIME IS OF 1HE ESSENCE OF nns CON1RACT, OOTICE: ANY OOLDER OF TInS CONSUMER CREDIT CONTRACT IS stJB.JELT TO All.. CLAIMS AND DEFENSES WHIOi 1HE DEBTOR COULD ASSERT AGAINST 1HE SELI..ER OF GCO[X3 OR SERVICES OBTAINED PURSUANT HrnE:ro OR WIlli 1HE PRClCEID'3 HERIDF. REX:.'OVERY HERElJNDER BY TIlE DEBTOR SHALL NOT EXCEED AM:XJtm3 PAID BY 11-lE DEBTOR HERElJNDER, OOTICE TO BUYER: (1) DO OOT SIGN lliIS AGRmIDIT BEFORE YCIJ READ IT OR IF IT roNTAINS AN'{ BLANK SPACE. (2) YCIJ ARE ENTITLED TO A <XiMPLErELY FIUID-IN COPY OF nns AGRE:D!ENr. (3) UNDER 11-lE LAW. YOU HAVE TIlE RIGHI' TO PAY OFF IN ADVANCE 11-lE ruu. AMCIJNT DUE AND UNDER CERThIN CONDITIONS TO OBTAIN A PARTIAL IDllND OF TIlE FINANCE OiARGE, ropy OF lliIS CONTRACT AND INTEND(S) TO BUYER(S) : I AGREE TO REPAY ALL AMOUNTS DUE ON nus LOAN IF TIlE IDRROWER(S)!BUYER(S) FAllS TO IX) so IN ACCORDANCE WIlli TIlE TERMS OF THE ~: SIUDENT COSIGNER ,. fJvmO/JrIXJ /3/LJz.4d DATE: DIO<INOON COlLEl3E - i /1"(( 91) BY ~~ 4 ~ :r 5' ;:+ OJ -' r " If :.~) \:iJ ~i . 'i I,., , r \"' t' .-t ~.~1o~1 \ ',\ Il,\' (),)_ r>rqWD:'~1 CDLLD,:;C F1EXIBLE FINANCIfr. SYm111 - 7000 PLAN rnJCAT!ONM. I:;!))D.; AND SERVICI,)" I<f::l'AIL lIJ3l'fJJJ.1Drr {XW1,N:1' [.It,. October 31, 1991 ---.---------.. --..-----------..- I. ~If:ll'_.r ; fJl':kln.::;on ('011("']8. /:Urll!,}n, r#~'rul.:Ji'lv.l.nl'J 1.,'01-1 Buyer(::;) : Richard T. and Suzanne Corter 1475 Washington Lane West Chester, PA 19382 If there JS mor", than one Buyer, each of you WIll be oblIgated, JOJntlyam severally, for all sums due and for the performance of all agreements as provld~l in thIS Cont~1ct. Under the tenns of thIS Fi:lucatJonaI Goods and Services R.=tall Installment Contnct, you have agreed to p.;y the >expenses incurred for goods and servIces to t", pmvided and I'endered, as the case may be. to Cameron S, Corter (hereinafter "Student") during his/her enrollment at DickulSon College durlng the 1991-92 aCudemic year, includJng tuHion. room and board, books and supplies ,1S herem stated (hereinafter the "Goods ,)m Services"), The Goods and Services shall mclude only tuitJon, room and b:>,rrd, II, TERMS OF PAYMENT AND PAYMENT SCHEDuLE Disclosures Required by Federal Law ANNUAL PERCENTAGE FINANCE CHAOOE: AMaJNT FINANCED: TOfAL OF PAYMENTs: TOTAL SALE RATE: * fullar amount Amount of credi t Amount paid by PRICE: Cost of credi t as credi t wi 11 provided by Buyer as total of Total cost of yearly rate cost fuyer Dickinson College all scheduled purchase on payments credi t . in- cluding down payment of $ 12,980.00 9.500 % $ 4,568.97 $ 7,000.00 :> 11,568.97 $ 19, 980 . 00 Rev 9/89 \ \ ,..l.~..J Number of Puyment~ 139 'Variablc Ratc: Late Charge: Prepayment: ( \. -,,\ ( DJYC1~'~; puyrr..:mt :;,'h'~!lll,' wl11 ~~, ,'~i t(d Illw::. Am0unt of Paymenl:1 Wllf~n P,-'yml'nt:; ,U-'~ Dill' $83,23 Monthly commcnclr'l Jl/rllj'l,l Uflt II ,___~!.?n!Ol Thc ANNUAL pERCEt-rI71GE flAl1: dl""loc;cd "hw" I",' wII1"IJ\,: 1'"1,, ,'1,1 n"y change, The ANNUAL PfRCEJ11'AGE IlATI; IMY lr"T",1:;" d'''lIJI II", t"'l1l oj this transaction if the priul') l't,tn of Int", e:lt iUlIl'llJJlt"...t II. Ul" Wflll Street Journal as of the cl(~H! of hCnr)f'!I:l nil .hu}" lil ..C ,'"ell cl'llcnJI.'\!- year increases. am will b'.: H'cn.'~!Jf..l to It!" 1" Inl" !"., I f.' plll':l )'." 111(~ ANNUAL PERC'E}ITAGE RATE wl11 rv)l 11111 ""!;,, n.. Ill' t 11,\1' (Ifl,'/, ,\ YI"1r. dn.l the new interest rute WIll b'com', "'l,,d IV" "(I ,,,I,. } 1..>1 I ''''1IJ] the increase, if any. in the prlmf~ I,,,,tl~ 01 Irdf'rl'::l ^IIY t1VTf',l:>{~ Will be In the form of higher p.lymfmt ,1me,mt", II ,'..." ,', ,,,I "I II", Gfnl!! 1100 Services sold hercundcr wcnJ $.I,\H)O,I)I) "t ~), ',(II) 'I. I'''' ,'1111"", tor ..J.12... months. and the pt'lm,' t',1t" pIll:! } 'I, w".', 11"..",,,,.,1 ti, JQ.5.ll.O_'t, your regular monthly jJdYllI,,"t:J W"Jld III"'",,,,,, I... ,UL.2L_, flwther. the ANNUAL PERCENTAGE RATE WIll r)fA I"""",'"'' t" Ill' ,n, ttt.,1l IlP, or ~uch other rate as may be pcnnlltf~j llatf't' tli,. 1"'fllCiylv,Hlll' (;oo"tn lilY! Services Installment Sale:! Act, If a payment is more thMI I~J {j"y" 1,'1", " ""m . ''I" IV.,I,,"t to 5% of the late payment (OOt no more U",n $:~, ',0 mvl lint I""" t.IMIl $1. 00) may be charged, Buyer may prepay the unpaid ml/1ncc of th" AmijUflt, FlI'.lnced and any FINANCE QiARGE due through the ddtc of e,wly 1'><1ymcnt. in full or in part, without penalty, SEE SECTION VI OF 1HE CONTRACT BELOW FOR ANY ADDITIONAL INRIRMATJON ADJVT NON-PAYMENJ', DEFAULT AND REOUIRED REPAYMENJ' IlEFCiRE 1HE SCHEIJULED DATE ['Dll ffi1'AYMENT OF' ll1E AWXMI' FINANCED , III, I1'E1>1IZATION OF AMCIJNT F'INANCFD 1. Cash price of Goods and Services: $ .-J.1., 9flO . 00 2, . Tota 1 down payment: -.lc.. 91lD. 00 3, Unpaid balance of cash price (1 - 2): _ J...QQO ,00 4. Amount paid to others on Buyer's behalf: a . 5, Amount Financed (3 + 4): $ 1,000.00 2 ( n ..l-,;! \--",1 ~ ( ( IV , ,:rm Jl T I N3\lIlArn: (y(-o(tJ t lIfe In.s\u''''rl'~'f. fot" tt"J(' tl:'nn oi thlS ('ontx.:Jct, lS n<)t n.:'qtJH'(~i. V, N') WARr<ANTIE'J 'l1lFJiE ARE NO WAHRAlmES, E!TIm, EXPRESSED OR IMPLTF)) , GIVEN BY SEllER IN CUrlIID:tION W!TIi SALE OF TI-!E GCODS AND SElNICU3 COVERED BY nns CONTRA~ UNLESS BIJY/]< Hk; EiOo}/ GIVEN A SEPAllATE WHITTEN WARRAN'lY, VI, ADDITIONAL PROVISIOHS 1. fuyel' agrees to pay Seller the Total Sale Price by making the total down payment and paying Seller the Total of Puyments in the numl:.€r ard amount of monthly payments shown in the Payment Schedule, Payments are due on or before the same date of each m0nth as the first payment date, Payments must be made to FIrst WachovJa, Inc, at the following address: FJrst Wachovia. Inc, 1',0, Box 70095 Charlotte. NC 28272-0095 2. fuyel"s legal rights include the right to pay all or part of the amounts due on this Contract in advance of their due dates, to obtain a refund or credJt of une'''U'TIed Finance Charge whenever the amount is paid in full in advance. and (with Seller's consent) to reinstate the Contract if Buyer timely CL~es any default, 3, Buyer shall be deemed to have committed an "Event of Default" of the Contract upon the occurrence of any of the following: (a) failure to make any payment on or before the date it is due, (b) failure to make a payment on any other Contract outstarding with Seller, (c) failure to perform any other provision of the Contract, (d) ~roviding Seller with false information or signatures, (e) death, incompetence, or conviction of any Buyer of crime involving fraud or dishonesty. (f) insolvency or bankruptcy of any Buyer, 4, Upon or after the occurrence of any Event of Default, Seller will provide Buyer with notice, by certified mail as required by law, addressed to Buyer's last known address as shown on Seller's records, adviSing Buyer of the default ard of Buyer's right to cure the default, The notice will provide the time, amount ard performance necessary to cure the default, If Buyer does not cure the default as provided in the notice. Seller's rights shall include the right to declare all sums due on the Contract to re immediately due and payable, The Buyer agrees to pay all attorney's fees and other reasonable collection costs and charges necessary for the collection of any amount not paid when due, 5, Waiver by Seller of any Event of Default shall not be binding upon Seller if Seller should thereafter choose to exercise that or any other right or a similar Event of Default occurs later, All Seller's rights and remedies shall be cumulative, Seller's exercise of one or more rights shall not cause Seller to lose any other rights, 6, This Contract is freely assignable by Seller, Buyer agrees that upon receiving notice of the assignment Buyer shall be obligated to the Assignee of this Contract, which Assignee shall have all of Seller's right ard remedies, 3 ~jj . ' ( ( \ - .. ~ 7. If t~ny p.:1rt 01 Un:; ('(jntl<lCt. 1:: twl,1 I" j,. lllpid prOVlSlon n-hijJ 1 b~ dfof:ID('d 1.(,' 11"111')'/" t."'11 " 1'" t othcrwwe r(:~lII tully .'11"1'1 IV" i I I 1111"flf"I' "'''''''. '-Ii;" ,f 'I; I" ""fl' t ", 1 . .....h 1,-/1 ~ih,d I 8. APPLICABLE LAW; TI-ll:1 ^(P-f~(trJt'nt. Wllt'fl"'.!"t ',111"., IJlHI t" /.. ""I\:' '11'''1. :,/1.111 hi! governed by the domestIc 111t"r1k11 I"w:; <d tIll' ("'ltJllr'II'W,'.,J"1 ,,{ l'I'IIII':ylv,1/II,l t':.:n'pt to the extent f;Uppll~~:nt..f":L !:u},,'r;:...t"d "I 1'1""1111,1"'1 If, II~~I'I d l"w 9. CDNSDIT TO J\JRI~1lICTI()IJ,,_\il'IiilE._NH' ::DNJ"J: ./1..' ,,"1""1 1..1/,,:, "'II."'n,..nt 'YJ"';""t. ill1c1 agree that all legal procef>(j 1rrJ~i }l' I ,,1 I r~J I. I t II" ~ '1111 "'1 I fa. I' I f'J IIl't "j)1 uh" J I be mo.intoined in the Court of COffiQ')()rl Jil".',:; llf IiUIII.'1 J,."lI 1'1011111 y, fl"IIII:Jylvl:'lnli\, or, if applicable, the United St.<1t"" [)J:lttJ,-1 (',," I ..I III" Mld"l.' {""In..t 0t 1"'nr",ylv'~llI,~. arrl all p.3.rties hereto cons'~nt ,'1"rl ,vp,'" t II.lt llu I:~ll' f ),"11 (l1ld V"nlJ(' f(il~ :'Juch proceedings shall lie e:<cl1J.:11vely wIthIn :\,\1<1 1"llltl ::"fVI('f~ ''If proce:l~) In any such proceeding may be m,lde hi' c~"rt.ltlf'd m"li. /,.tlltll 1""'11" ""f\if'::!"d. d)n~("t:erl to thf:' respective party at tllf~ ,iddn,':t> :.:,.t t,wt II .,t.,1/I' 10, This Contract shall be bJ[YlJ[)]IJ[yln !.tit' 1'"11"" /"'1"1'" 'II"Il- "I'll';, ;JlJccessors, assigns and legal reprC:lentllllVl':l, 11. TIME IS OF 1liE ESSENCE OF nns 011<'1'1<1$,'1', t<lJfICE: ANY HOIDER OF nns roN:Jl!Mrn C1iIJ1IT nlN'IHN'I' I:; :;tfl\J/) 'I' 'In AIJ. CLAIMS AND DEFENSES WHICH 1liE DEBTOR OJUI.D ASSERT AGAINST 'IHE :n-JJJJI (IF ,nllY.; OIl ~;tJNla'::J OrrrAINED PURSUANT HrnErO OR WIlli 1liE PRCX'EE1::6 HEr,EDF, 1<1,)') IVI']<Y III'J<D ItIDm BY '1111: DElflOI? SHALL t<IJf EXCEED l\IoKlUNTS PAID BY 1liE DEBTOR HERillNDFR, NaITCE TO BUYER: (1) DO t<IJf SIGN nns AGHUMHH lU'rUm mJ READ IT OR IF IT roNTAINS ANY BLANK SPACE, (2) YOl ARE ENTITLED 1D A CDMPJJ:m.Y FlIl.J:IHN CDPY OF lliIS AGREEMENT, (3) UNDER 11iE LAW. YOl HAVE 1liE RIGlfr '(1) PAY OFF IN ADVANCE nlE FUU. AMOUNT DUE AND UNDER CERTAIN CONDITIONS TO OBTAIN A PARTIAl.. RE;HJND OF '!rile FINANCE GfAl\GE, ( >>lPU7 'D C$I'Y OF 'IHIS COIffRACT AND INTEND(S) 11) BUYER(S) : I AGREE TO REPAY AlL l\IoKlUNTS DUE ON lliIS WAN IF 11iE OORROWER(Sl!BUYER(S) FAILS 11) DO so IN ACCDRDANCE WIlli 11iE/~ OF ~ ~ If1 ~ 511JDENT COSIGNER.x IIJJ/rtCYlrn t? feL~ 'I j DATE: DIO<INOON CDLLffiE ,/ 0 - .?./. rj I (]jM::J e_ BY 4 I ~ ,/ . I ., , " , , ''; ~ III ^ ::r I g I () ..... " v l~ I' I ; ~ I ( , ~ , i (-::~\ . \ 1,,: ~ .~ ~' ] " j :, \ \ ) ~,!,- ~:~. ; . " \, I; r ( -: ,J DIO<INS:lN O)UIDE n.l-:XIBLE FltW1Clt-l3 S"{STl:l4 - 2500 PLAN IDJCATIONAL G()',)[X3 MID SERVlcrn I~IL INS11Ul..MElIT <X>m'RACT Date Apri 1 16, 1992 B..1yer(s) : Dickinson College, Carlisle, Pennsylvania 17013 Richard T, Corter 1. Seller: 1475 Washington Lane West Chester, PA 19382 If there is more than one fuyer, each of yoo will be obligated, jointly ani severally, for all SI.lIIl5 due and for the performance of all agreements as provided in this Contract, Urder the terms of this Educational Goods ani Services Retail Installment Contract, you have agreed to pay the expenses incurred for goods and services to be provided ani rerdered, as the case may be, to Cameron Corter (hereinafter "Stooent") during his/her enrollment at Dickinson College during the 1991-92 academic year, inclooing tuition, room and board, books and supplies as herein stated (hereinafter the "Goods an:i Services"). The Goods ani Services shall inclooe only tuition, room and board, II. TERMS OF PAYMENr 1IND PAYMEffi' S01IDULE Disclosures Required by Federal lAw ANNUM. PERCENTAGE FINANCE 0iARGE: AJoKXJNr FINANCED: 1UThL OF PAYMENI'S: TOTAL SALE RATE: Dollar Amount Amount of credit Amount paid by PRICE: Cost of credit as credit will provided by fuyer as total of Total cost of yearly rate cost Buyer Dickinson College all scheduled p.m:hase on payments credit. in- clooing down Prior to repay- payment of ment: 11.000 % $ 17 ,560.00 DJrirg repay- ment: 11.000 % $ 2.078,09 $ 2.420.00 $ 4.498.09 $ 19,9RO.00 Rev 9/89 " . " f' J. (' :; 1>' I I ~ ,ynl..J ,f ,~, "),...11111' W I I It.. ,_,:' If.j } ,',,",: .; U\WI~_""l. ,:or I\tY'1'I'1~nt.:'".; A!'.J('lliil 'f 1'.lj'r.I"111:; 'w'h'~rJ r/,lynl"lll:-; ,It',.. r"J~ 25 """ttdy '_'CJlMlenr'tr>:/ _4L28l~L,_, ",yJ ,;ontinuin] II/It II _4l?Jlj?_~___, ",' ""<:11 lIm.) '~'J Student is I,) 10nqcr enrolled M nWKI!'l!i0n (or in an <1pprovcd fu II-lime of f -c<lmpun prcgram of :Jt'Kl1"sl. whIchever I:J e,:u-l ier, $?2,18 72 monthly commencing 5/28/94 or such time as St'Jdent is no longer enrolled at Dickinson (or In an appluved full-time off-campus prcgram of studJes). whichever is earlier, $46.06 l,~t", ch,'rg",: If., Pc']1ll",nt JS more than 15 days latE', a sum equivalent to 5% of the late ~<'ym,'nt (rut no more than $2,50 and not less than $1.00) moy be charged. F1'-"F')I11lcnt: &tyer may prepay the unpaJd balance of the Amount Financed and any FINANCE CHARGE cJ",~ ttll'(,''-lgh the date of early payment, in full or in part, without penalty, ~:,17 :::8:rrr,lt! VI OF '[HE (J,J/ffRAr:r BELOW FOR ANY IIDDrnONAL INFDRMATION AOOUT OON--PAYMENr. DEFAULT l>iiD REl:VIRED RfPAYMElIT BEFORE 1HE SCHEJXILED DATE FOR REPAYMENr OF 1HE AM::XJNI' t'lNANCED, II I. ITD1IZATION OF AI-t.'lUlIT FINANCED 1. r;"sh pI'ice of Goc<:is "nd Services: $ 19,980.00 " Total d-:,wn payment: 17,560.00 ), lJnp" id o'l.l"nce of cash price (1 - 2): 2,420.00 4, F.IDOunt paJd to others on Buyer's behalf: 0 5, Amount Financed (3 + 4): $ 2.420.00 IV, CREDIT INSURANCE Credit life insurance for the term of this Contract is not required. V, NO WARRANTIES 1liERE AHE t.j() WARf.:ANTIE.::, EITIiER EXPRESSED OR IMPLIED, GIVEN BY SELLER IN CONND:TIOO WITH SALE (IF '!HE G<X>[JS AND SERVICES COVERED BY THIS CONTRACT IJNI..ESS BUYER HAS BEEN GIVEN A ::"'EPARATE WRITTEN WARRl>JffY, 2 " . ,.." Vi, AL>DITI(,tlM, H,'i'JJ.:I,"i'~ r .. . 1. fuyer ,~grees to l^'Y Seller tile Tot.,'l ::;.,1" Pnc" by r.l<'!OfrJ 1.11" lot", down p<~yment and paYlr>;l SrJller the Total of Paymcllt!J III th'" nUJ:ll"" .,n1 "1:0.11'\1. '01 monthly payments shown in the p.~yment Schedule, Payment<; .1rC du" 'A) '.,t" 1.,((,1".' th.' <;,""" date of each month as the first payment dllte, Payments mu;,t t..., IT,,1'l... t', Flr!;t \/,;Ch')VI,), lnc, at I.he fol1oWln] Ilddress: FIrst W,)clKNI,', Ir,l;, p ,0, [;):~ '/t)lJ'J:) Charlotte. NC 213272-00<}~) 2. Buyer's legal rights include the right to pay all or part of the amounts due on this Contract in advance of their due dates, to obtain u refund or credit of unearned Finance Charge whenever the amount is p<,id in (ull in advance, and (with Seller's consent) to reinstate the Contrllct Jf fuycr tJmely cures any default, 3. Buyer shall be deemed to have commi tted an "Event of Defaul t" of the Contract upon the occurrence of any of the following: (a) fai lure to make any payment on or before the date it is due. (b) failure to make a payment on any other Contract outstanding with Seller. (c) failure to perform any other provision of the Contract. (d) providing Seller with false information or signatures, (e) death, incompetence. or conviction of any Buyer of crime involving fraud or dishonesty. (f) insolvency or bankruptcy of any Buyer, 4, Upon or after the occurrence of any Event of Default, Seller will provide Buyer with notice. by certified mail as required by law, addressed to Buyer's last known address as shown on Seller's records. advising Buyer of the default and of Buyer's right to cure the default, The notice wi 11 provide the time. amount and performance necessary to cure the default. If Buyer does not cure the default as provided in the notice. Seller's rights shall include the right to declare all sums due on the Contract to be immediately due and payable. The Buyer agrees to pay all attorney's fees and other reasonable collection costs and charges necessary for the collection of any amount not paid when due. 5, Waiver by Seller of any event of default shall not be binding upon Seller if Seller should thereafter choose to exercise that or any other right or a similar Event of Default occurs later, All Seller's rights and remedies shall be cumulative, Seller's exercise of one or more rights shall not cause Seller to lose any other rights. 6. This Contract is freely assignable by Seller, Buyer agrees that upon receiving notice of the assignment Buyer shal! be obligated to the Assignee of this Contract. which Assignee shall have all of Seller's rights and remedies, 7, If any part of this Contract is held to be illegal, void or unenforceable. that provision shall be deemed not to have been a part of this Contract. which shall otherwise remain fully effective, 8. APPLICABLE LAW: This Agreement. whenever called upon to be construed. shall be governed by the domestic internal laws of the Commonwealth of Pennsylvania except to the extent supplemented. superseded or preempted by federal law, 3 , . , . r r , . .~ 9. CXlNSEm' ro JURISDICTION. VENUE AND ~;1-J:NlCE: Tho ~ies to this AgreelDCnt consent and agree that all legal proceedirqs l'elatirl] to the subject matter hereof flhall 00 maintained in the Court of Common Pleas of CUmberland County. Pennsylvanid, or. it applicable. the United states District Court of the Middle District of Pennsylvania. and dll parties hereto consent and agree that jurisdiction and venue for such proceoo.irgs shall lie exclusively within said court. Service of proce39 in any such proceedirq !MY be made by certi hed ,mai 1. return receipt requested. directed to tho respective party at the address set forth above, 10. This Contract shall be binding upon the parties hereto. their heirs, successors. assigns and legal representatives. 11. TIME IS OF 1liE ESSENCE OF nus o)NTRACT, NOTICE: ANY OOLDER OF nus CONSUMER CREDIT CONTRACT IS SUBJEX:T TO ALL CLAIMS AND DEFmSES WHIOi 1liE DEBrOR COULD l\SSERT AGAINST 1liE SEI.L:rn OF GOOOO OR SERVICES OBTAINED PURSUANr HEREI'O OR WIlli 1liE PROCEEIX3 HEREOF. REmVER'f HERRJNDER BY 1liE DEBrOR SIW.L NOT EXCEED MlCXM1'S PAID BY 1liE DEEITOR HERElJN1)ER, NOTICE TO~: (1) 00 NOT SIGN nus AGREEMENf BEroRE YOU READ IT OR IF IT CONTAINS AN'{ BLANK SPACE, (2) YOU ARE Em'ITLED TO A ro-lPLEI'ELY FIILID-IN ccrsY OF nus AGRlIDIDIT. (3) UNDER TIlE I.1o.W. YOU HAVE 1liE RIGHI" TO PAY OFF IN ADVANCE 1liE FUlL AI-OMr IXJE AND UNDER CERTAIN CONDITIONS TO OJrrAIN A PARTIAL REf1JND OF 1liE FINANCE CHARGE. W'iER(S) ~,a<NOWLEDGE(S) BE LEl3ALLY rouND I BJ'iER(S) : ccrsY OF lliIS COl-ITRACT AND Itm}ll)(S) TO I AGREE TO REPAY ALL AMOJNTS DUE ON TIUS LOAN IF 1liE OORROWER(S)~(S) FAnS TO 00 00 IN ACO)RDANCE WI1H TIlE TERMS OF S'IUDEm' COOIGNER .. ~RANSCRIPT A DENT'S RECORD WILL NOT BE RELEASED IF LOAN PAYMEN TO THE COLLEGE ARE IN ARREARS OR DEFAULT. DATE: DICKINSON OOI..LEl3E Lf-II..,-C)i- BY ~~ 4 ~ .'~ " , ' , ~ ' I' Ii '~ , l' '. ~ \ \ :~ ... ~.'~ ~ ::T 5' ;:;: o. \0' \~ ~, 1 ~ \ ' ~ " , @ o g , ! i ~ I 1 \,' ; : I , I ~ " \ {" (" 1-:t,R - C '''''3 I.,:~ DIC~INDON COLLEGE FLEXIDLE FINANCING DYSTEM - PLAN D EDUCATIONAL GOODS AND SERVICES RETAIL INDTALLMENT CONTRACT Data February 19, 1993 1. Sellar: Oickinoon College, Carliolc, Ponnoylvania 17013-2896 Richard T. and Suzanne Corter 1475 Washington Lane West Chester, PA 19382 Buyer(o) : If there is more than one Buyer, each of you will be obligated, jointly and severally, for all Duma due and for the performance of all agreements as provided in this Contract. Under the terms of this Educational Goods and Services Retail Installment Contract, you have agreed to pay the expenses incurred for goode and services to be provided and rendered, as the case may be, to f'" (hereinafter "Student") during his/her enrollment at Dickinson College dur~ng the academic year, including tuition, room and board, books and supplies as herein state (hereinafter the "Goods and Services"). The Goods and Services shall include only tuition, room and board. II. TERMS OF PAYMENT AND PAYMENT SCHEDULE Disclosures Required by Federal Law ANNUAL PERCENTAGE FINANCE CHARGE: AMOUNT FINANCED: TOTAL OF PAYMENTS: TOTAL SALE RATE: * Dollar amount Amount of credit Amount paid by PRICE: Cost of credit ao credit '..lill provided by Buyer as total of Total coot of yearly rate cost Buyer Dickinson College all ocheduled purchase on payments credit, in- cluding down payment of S 17.760.00 7.50 s 1,584.44 3,600.00 s 5,184.44 21,360.00 '" s s Rev 2/92 .' . , , " Numbor of Payments 124 .Variable Rate' Late Charge: Prepayment: ( r Buyer's payment Dchcdulo will bo ao foltowa: Amount of PaymentD Whon paymonto are Due $41.81 Monthly commencln~ until 5/28/03' 2/28/93 The ANNUAL PERCENTAGE RATE dioclosed above io a variable rate and may change. The ANNUAL PERCENTAGE RATE may increase during the term of this transAction if the prime rate of intereat announced in the Wall Street Journal as of the cloDe of business on June 30 of each calendar year increases, and will be increaaed to the prime rate plus 1\. The ANNUAL PERCENTAGE RATE will not increase more than once a year, And the new interest rate will become effective on July 1 following the increase, if any, in the prime rate of interest. Any increase wilL be in the form of higher payment amounts. If your cost of the Goods and Services sold hereunder were $ 3.600,00 at 7 50 'per annum for ~ months, and the prime rate plus 1\ were Increased to 8,50 '. your regular monthly payments would increase to $ 4~ 7~ ,Further, the ANNUAL PERCENTAGE RATE will not increase to more t an 18' or such other rate as may be permitted under the Pennsylvania Goods and Services Installment Sales Act. If a payment is more than 15 days late, a Bum equivalent to 5\ of the late payment (but no more than $2.50 and not less than $1.00) may be charged. Buyer may prepay the unpaid balance of the Amount Financed and any FINANCE CHARGE due through the date of early payment, in full or in part, without penalty. SEE SECTION VI OF THE CONTRACT BELOW FOR ANY ADDITIONAL INFORMATION ABOUT NON-PAYMENT, AND REQUIRED REPAYMENT BEFORE THE SCHEDULED DATE FOR REPAYMENT OF THE AMOUNT FINANCED. 1. 2, 3, 4. III. ITEMIZATION OF AMOUNT FINANCED Cash price of Goode and Services: $ 21.360.00 17,760.00 3,600.00 o 3,600.00 Total down payment: Unpaid balance of cash price (1 - 2): 5. Amount paid to others on Buyer's behalf: $ Amount Financed (3 + 4): ., . , f r 1'/. nll;UIT IH~.IJHAljCr: Credit liff! innUrnrlCl! t'lr ttll~ t.~rm of thin Cant.r-act i9 not required. 'I. HO WAHH1\r.T I .:5 TIIERE liRE NO WARRl\llTIES. EITIIER EXI'P~:$SED 011 IKPI,a:D, GIVEN BY SELLER IN COllNECTION WITII SIILE OF TilE GOODS AIlD Sf.HVICf.S COVERED IIY THIS COllTHIICT UNLESS BUYER HilS BEEN GIVEN II SEPlIRATE WRITTEN WARRlIllTY. VI. IIDDITlotl/\L PIIOVISIOI1S 1. Buyer agrees to pay Soller tho Total Salo Price by making the total down payment and paying Sellor the Total of paymonto in tho number and amount of monthly payments Dhown in the Payment Schedule. paymcnto arc due on or before the samB date of each month aD the firot payment date. Paymento muat be made to Firat Wachovia, Inc. at the following addrcon: Firat Wachovia, Inc. P.O. Box 70095 Charlotte, llC 28272-0095 2. Buyer's legal rights include the right to pay all or part of the amounts due on this Contract in advance of their duo dates, to obtain a refund or credit of unearned Finance Charge whenever the amount is paid in full in advance, and (with Seller's consent) to rcinotate the contract if Buyer timely cures any default. 3, Buyer shall be deemed to have committed an "Event of Default" of the Contract upon the occurrence of any of the following: (a) (b) (e) (d) (e) (f) failure to make any payment on or before the date it is due, failure to make a payment on any other contract outstanding with Seller, failure to perform any other provision of the contract, providing Seller with faloe information or signatures, death, incompetence, or conviction of any Buyer of crime involving fraud or dishonesty, insolvency or bankruptcy of any Buyer. 4a Upon or after the occurrence of any Event of Default, Seller will provids Buyer with notice, by certified mail as required by law, addressed to Buyer's last known address as shown on Seller's records, advising Buyer of the default and of Buyer's right to cure the default. The notice will provide the time, amount and performance necessary to cure the defaulta If Buyer does not cure the default as provided in the notice, Seller's rights shall include the right to declare all sums due on the Contract to be immediately due and payablea The Buyer agrees to pay all attorney1s fees and other reasonable collection costs and charges necessary for the collection of any amount not paid when duea 5, Waiver by Seller of any Event of Default shall not be binding upon Seller if Seller should thereafter choose to exercise that or any other right or a similar Event of Default occurs later. All Seller's rights and remedies shall be cumulative. Seller's exercise of one or more rights shall not cause Seller to lose any other rights. 6. This Contract is freely assignable by Seller. Buyer agrees that upon receiving notice of the assignment Buyer shall be obligated to the Assignee of this Contract, which Assignee shall have all of Seller's right and remedies a 7. If any part of this Contract is held to be illegal, void or unenforceable, that provision shall be deemed not to have been a part of this contract, which shalL otherwise remain fully effectivea Ba APPLICABLE LAW: This Agreement, whenever called upon to be construed, shall be governed by the domestic internal laws of the Commonwealth of Pennsylvania except to the extent supplemented, superseded or preempted by federal lawa r ~ " I , . ! . '. 3 .' , , , .' f , - r 9. CONSENT TO .7UIU50ICTIOtL VENUE 1\ltJL1i.F.P.VJi;E.: Tho p,nll(ln t.o thio I\qrocmcnt consent and agroo that all legal proccndingo relating to ~ho oubjoct matter hereof shall be maintained in tho Court of Common Ploan of Cumberland County, Pennsylvania, or, if applicable, the Unitod StatoD Diotrict Court of tho Middle oistrict of Ponnsylvania, and atl partioD horeto conocnt and agroo that juriodiction and venue for such proceedings shall lio oxcluolvoly within sald court. Service of process in any ouch proceeding may be made by cortified mall, return receipt roqueoted, directed to the reopoctivQ party at tho addroe8 Bot forth above, 10, This contract ahall be binding upon tho partieD heroto, thoir holco, DUccooBoro, Assigns and lugal reprcaentativoo. 11, TIME IS OF THE ESSENCE OF THIS CONTRACT, NOTICE. ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY TilE DEBTOR SIIALL NOT EXCEED AMOUNTS PAID BY TilE DEBTOR IIEREUNOER. NOTICE TO BUYER' (1) DO NOT SIGN TillS AGREEMENT BEFORE YOU READ IT OR IF IT CONTAINS ANY BLANK SPACE, (2) YOU ARE ENTITLED TO A COHPLETELY FILLED-IN COPY OF TillS AGREEMENT. (3) UNDER TilE LAW, YOU HAVE TilE RIGHT TO PAY OFF IN ADVANCE THE FULL AMOUNT DUE AND UNDER CERTAIN CONDITIONS TO OBTAIN A PARTIAL REFUND OF THE FINANCE CHARGE, BUYER(S). TillS CONTRACT AND INTEND(S) BUYER(S) ACKNOWLEDGE( TO BE LEGALLY BOUND I AGREE TO REPAY ALL AMOUNTS DUE ON THIS LOAN IF THE BORROWER(S)/BUYER(S) FAILS TO DO SO IN ACCORDANCE WITH THE TERMS OF HE NOTE: STUDEllT COSIGNER TRANSCRIPT 0 A STUDENT'S RECORD WILL NOT BE RELEASED IF LOAN PAYMENTS TO THE COLLEGE ARE IN ARREARS OR DEFAULT, DATE: DICKINSON COLLEGE '2 - (Q-'1;, ~ .<>-- BY J .. I" .1 , \' " C . " ) h .~ , , ~ ~; :~ t, .( '0 )0 ~ ~ / ., r, -<, /t:" ~ , "(-;::-' ,-,'.l' , -r-. )v ..., ~ (JJ ........'\ ...N \V rv , ~ . . i: i .~. nt, : o~" : 7' I "..f, : ~ >'2:' . ~ ' : ;r' :w ~ : :;:() "'0: ~_: ;o~-j; 0: ", :\..." '_ l,.iJ .(',.- -j :.........rn :t-I" I;f':::::( O:",L:'^' Z :1:::.'V>: 0:( -I: , >' ....,: -l ',. > i';::;m :j ;OK 0' '-<::" l ~ ,. -; 9v :; .~ \ , l~ I t, y J'f , \' I I" !~ ' --- \-..)' "" r-- ~i , l" ,; CI . J ",:"t C. .:":J n -1'1 '\ . ", .. ~ .':") , l : " c-) ....... 1:D r...) ,- -:.11 (:t:. 1('1 '( '-, :1:) , ; -q , ~..;.' . '..' - JIl"l ) .. < :"''"1 , '_J :'~J , -, . I : l' >:~ , -.(- " z: ' ;0: -l: o :tf),; Ii( j! , . , ; -If\ .; .> ':3 m :;; ;o~ 0' ,-<~ ~ ~ ".() I , \ ~. c:4 ~I' ~ 01 CJ~ "'" ' \ <V.. ~ f-f In The Court of Common Pleas of ClIlllhcrl:lIld County, Pennsylvania j)ll'h.IIl~>l)11 ('/1/ 11',/1' \'S, Serve: SuzanrJC C(}rler , ;I //1 hi', J ,I (t; ; 'I ' iJ(jl 1/1".(..' ,/ (I , No\\', " I.' ~!</.?~~__~____ I I ~ll. 1/. ,,(' \ " (( ')d JJt.iH CI\'J...1 / / .<< _, I,) /' , . (' . /",/ ~/. ." /',,\~ ~/ I l?ic'lJdnl T. ('fll'!"!" - --"-- -'-----..--'--- .19 t /'l/, -; (~!! ....,~ {" , 1'/ II I, ,"f , I. SI IIRII'F (IF l'I'\!BERL\~1l ('()U:\TY. P^. do I-)"J hereby deputize the Shel'ifrofuUd'.:,^'~.L." ('nllnt\, 10 execulc this \Vrit. this -.- _.__._"--~--~~_._--.._- ~ deputation being made at the request and risk uflhe l'bintif'f: ,/('"?,./ ~/A' /;;-:::,;-;....,...;,.L'</' ~.(-4 -.,.__L....,.....___ _ Sh::nfrofCUlllberland County, PA Affidavit of Service ;)5 tJo/ , , -i- within ' .. {~/'C.-/, 0~\..."-- '", - % (I """-'b.' L) " '" .,- upon ;:;:::;u...~n-r<-< adC<--L PC/ V{) atOU\ 7uu:vt I,"l.-C'7J -;~ Ivf(';.()l'vo-. eA Now. ....' 19 98'. at2."SS"_ 0 'clock -,) M, sCI'\'ed the -~- I 9 v&:3 by handing to a copy of the origin~lI and made known to . the contents t~, So answers, 4~ 1;26 DEC11 1998 Sheriff of Sworn and subscribed before me this2L day off t". I.... , 19 J:L COSTS SERVICE MILEAGE AFFIDA VIT s,DEC1 1 ma " l SEAL .;.)HEAI Zuppo. Norary PUblic M MedIa Born, Dolawnro Cour)~ ._~ommI.5slon E)(.e!!!:.::.~. :'" ~. s ,\\' \,:\:\ ,~ ~ ol \C 1I/lIb"I' '1.1/ ~o / ( "-'.. - r _l.,_ fl r~tor.t~\~~ ";:"'1,',[ 2/1l:~I1t ~ :'.: (,'1" ".:,' -" ':,; ~ . ..... . ,". ;" r,'.. f, "I,'J:;: :<:;},'j " ( ~ .p' (', ~.l,:. EDWARD L SCl~ORFP S0:IC!cr i',~ ~;, (, ;,\ ," ;:,,.......: ,) OFFICE OF THE SHERIFF ;"',1 ;- .'.1', r>:, .~,' .dl ,- .) Ork: C,~_'urnIUU~)t.: Square Carlls:e. Pennsyl'/iJllkl 17013 i~" " , ~ " ' , ;l" f ,//:. ,.I.v /f<J ,,' " /-{;'/:..J Q: ':J // ..,.., , /1' l~-;: <'. ", 't', //(: ",('" " " , ' " -I _.' .- t*/-i'r,~' p' , [ .1 C(l~)J TO: lion. Robert Erlinq Sheriff of Chester Co. 17 North Church St Suite 126, P.O, Box 2748 West Chester, P^ 19380 Dear SIr: " RE: D_icki rlS(Hl CU J J eqe vs Richard 'I'. C()rlcr, at aJ. Serve: Ri('hilrd T. Corter CiHlleron S. Cortcl- 98-6138 Civil/ Noti~e ~nd Complaint 01 ty /(0 Enclosed please find Notice and Compl~int to be served UPo(J)RiChard T .!corter rand Cameron S, Corter, bo t hat: 1475 Washington Lane, West Chester, P^ 19382 r ) 1I/r3he, ~ 11'2,0 (l(>'1 ,,/'il\s Q. \2"" p'^ in your County, l'lo A(\,W2C / 111" hb ('.' /o'!,1Y'l TllrCc ,4...rCIV)(">ol.t_ ~-ncJ I"" N,' A(),~",,:, NC' (lost....',,-' r J~' (t" ';j,~....c.: - J " " (' .( [,I\...J '4 - (.. ,-- Kindly make service thereof and send us your return of service, nqf;l '\(. r I ! Enclosed is the advance payment which you requested, . i Swam & Subscribod Ta Mo This.M./J 01 ?~. jZt'r /}d4n,P4~ Very truly yours, -, // vAt ~~~??\,.........< ;'/.~? /. J R, Thomas Kline, Sherin' Cumberland County, Pennsylvania NOTARIAL SEAL '!JlAN p, SOMMEl YN, NOlA'Y Public eSI Ch~ster Bore, Che:HOr Coun M Comrrllsslon Ex ires A ril 14, ~1 In The Court of COIllIllOII Picas of CUl11ht'rland COUllty, Pennsylv:lnia f) I<'K "";011 Co II "'1~, Hic'hdr<1 T. Crlf"l l'r, pI. d I. Serve: CillllerOfl s. C()rt('r- Nil, 'JB-/'I Ill. ('IVI I No\\'. II/.' ('Ht ,llJ , I, SIIUml 01, l'l ''vIlIJ':Rl..'\'JD COUNTY, I'A, do hereby deputize the SheriITof_(~0_'C'~.!.'~_________H,_C()unIY to excculc this Writ, this deputation being made at the request and risk of the I'I~.~,~~(,~~,-o,-~ '//~l " I SI1~rirf of Cumberland County, PA Affidavit of Service ~._) ~ i , , r , Now, . at 0 'c1ock : 1 , M, served the ,19 within I l ~ r .- " upon .'''"" '-'1 at by handing to II h , I ! a copy of the original and made known to the contents thereof, So answers. Sheriff of County, PA SW0111 and subscribed before me this day of ,19_ COSTS SERVICE MILEAGE AFFIDA VIT $ $ In The Court of Common PIt'as of Cumberland Count;\', Pennsylvania /) I ('" I tl:;lill {'II11 ('i/l' \'S, I~ ](' lid f d T. (' () f" I (' r, (' I. ,il. BPI"VP: HI('l1dld T. ('{jllt.'I' ..... , "), lIB II 1 ~B (' I \' I I .Il) No\\', I I / ! / 'IB , I') ,/. SIII'IW'l' ()I- ('1 '\!BERLt\ND COUNTY, I'A, do hereby depuljz~ th~ Sheri IT or~.'.(:,::.':.'" Cnunt\' to ~xecute this Writ, this - , deputation b~ing made at the request and risk of the I'lainti n: ~,/:: ,."" ~~,. -.".. ..... - # "/ .--:'<:.......""'"'~~.; _ :..<.....-er! ------:--~_._..___ n_._______ . Sllt:riff of CUl1lb~rland Count):, PA _ , " , ) Affidavit of Service ,;/ Now. .19 . at o'clock ,J] M, served the within upon at by handing to a copy of the original and made known to the contents thereof. So answers, Sheriff of County, PA Sworn and subscribed before me this day of ,19_ COSTS SERVICE MILEAGE AFFIDA VIT s $ DICKINSON COLLI'(;E, Plainlil!' IN IIII'. couln or C()~IMON PLEAS : ClI~II1ERLANIJ COUNTY, PI,l\NSYLV ANI A v, ('IVII. ACTION - LA \V RICIIARD T, CORTER. SUZANNE CORTER and CAMERON S, CORTER, Defendanls !\O C; J ' ~./JY (Ii l'-L L_ IWlTICf TO IlEFfNIl You have been sued in court, If you wish to defend against Ihe claims set forth in the following pages, you most take aclion within twenty (20) days afler this Complaint and Nolice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objec- tions to the claims set forth against you, You arc warned that if you fail to do so, the case may proceed without you and ajudgment may be entered against you by the Court without further notice for any money claimed in the Complaiut or for any olher ~Iaim or relief requested by the Plaintiff, You may lose money or property or other rights important to YOll, YOU SHOULD TAKE TillS PAPER TO YOUR LAWYER AT ONCE, IF YOU pO NQT-.HA VE A LAWYER OR CANNOT AFFORD ONE. GO TO OR TELEPHONE TilE OFFICE SET I'ORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP, " , - COll,t Admillistrillor Cumberland County Courthouse One Courthouse Square, 4th Floor Ctlrlisle, PA 17013 Telepllotle: (717) 240-6200 \. -' " >-' ~,1 A V I SO USTED HA SIDO DEMANDADO/A en corte, Si usted desea defenderse de las demandas que se presentan mas adelante en las siguientes paginas, de be tomar accion dentro de los proximos veinte (20) dias despoes de la notificacion de esta Demanda y Aviso radicando personalmente 0 par media de un abogado una comparecencia escrita y radicando en la Corte por escrito SllS defensas de, y objecciones a, las demandas presentadas aqui en conlra sllya, Se Ie advierte de que si listed falla de tomar ace ion como se describe anteriormente, el caso puede proceder sin lIsled y lIn fallo por cllalqllier suma de dinero reclamada en la demanda 0 cualqllier otra reclamacion 0 remedio solicitado par el demandanle puede ser dictado en contra suya par la Corte sin mas aviso adicional. Ustcd puede perder dinero 0 propiedad u otros dereehos importantes para usted, T~ COPy In TlISt1mony Wh FRoM REOoRo and cI ~' , hero unto Set my I\and T" _ ..fC,- C at Car1/3Ie, Pa, '''; tLIL-C, L-l 19-4t ,~~-y~ . 'i rr I \JSTED DEllE I.I.EVAR ISlE IlOl'lIMI'NTO A SlI AIlODMiO IMMEDlATAMENTE, SI lISTl'1l NO 'IlENE tiN AIlO(iAI}() () NO I'llI'llI' l',\(jAIU,E A lINO, I.LAME 0 VAYA A LA SIGlIlENTE OFICINA I'ARA A VEIW it JAR Il( lNIlE I'llI'llI' I'NCONTRAR ASISTENCIA LEGAL. ~I : I :l f, COllrl Atlmi"i.\"rlllor e'l/tlberlwltl COIIIII)' Court/lOll.\"(! Ollt! COllrlllOlI,\'C Square, 4,h Floor CllrJi.\"~, PA /70/3 T"'~I'/III11~: (7/7) 240-62(J(} f .' ~ . " McNEES. WALLACE & NURICK Oy F, tcphcnson Maahes Attorney I.D, No,67408 100 Pine Street p, 0, OOX 1166 Harrisburg. P A 17108-1166 (717) 232-8000 \ I; Attorl1eys for Plaintiff Dickinson College Services RelaillnstalJmenl ('onlrael ("Second ('onlrael") for ",spenses inellrred f(" good, ;md services to be provided and rendered to their son ('ameron S, Corter hy /liekinson dllring the I ')C) 1,1}2 academic year, A Irlle and eorreel copy of the eonlraet is incorporated hy reference alld allaehed as E"hihil "B", 8, On or aholll April 16, 1992, Parents entered into an Edllcational Goods and Services RelaillnslalJmenl Conlract ("Third Contrael") for expenses incurred for goods and services to be provided and rendered 10 Iheir son Cameron S, CorleI' hy Dickinson dllring the 1991-92 academic year, A Irue and eorreel copy oflhe conlrael is incorporated by reference and allached as Exhibil "C", 9, On or ahonl February J 9, 199J, Parents enlered into an Eduealional Goods and Services RelaillnslalJment Contracl ("Fourth Contracl") for expenses incurred for goods and services 10 be provided and rendered to their son Cameron S, Corter by Dickinson during the 1 992-9J academic year, A Irue and correel copy oflhe contract is incorporated by reference and allached as Exhibil "0", 10, Under Ihe terms of the First Conlract, Parents, as "Buyer" agreed to pay Dickinson Seven Thousand Dollars ($7,000,00) wilh interesl at the initial rate often poinl eight One two percent (10,812%) per annum, in one hundred fifty two (152) equal monthly installments of Eighty Four Dollars and Seventy-Five Cents ($84,75) commencing on October 28, 1990 and ending on May 28, 200J, II, Under the terms of the Second Contrael, Parents, as "Buyer" agreed to pay Dickinson Seven Thousand Dollars ($7,000,00) wilh interest atlhe inilial rate of nine point five percent (9,5%) per annum, in one hundred thirty nine (I J9) equal monthly installmenls of Eighly Three Dollars and Twenty- Three Cenls ($8J,23) commencing on November 28, 1991 and ending May 28, 2003, 12, Under Ihe terms ofllle Third Contract, Parenls, as "BUyer" agreed 10 pay Dickinson Two Thousnnd Four Hundred Twenty Dollars ($2,420,00) with interesl al the initial rale of cleven percent (11.0%) per annum. in Iwerlly live (25) equal mOnlldy inslallmenls ofT\\enly '1'\\0 !Jollars and Eighleen Cents ($22,18) commencing on April 28, 1992 and ending on April 28, 19'),1. and seventy Iwo (72) equal monthly installments of Farly Six Dollars and Six Cenls ($46,0(,) commencing on May 28, 1994, I), Under Ihe lerms of the Fourth ('onlracl, Parenls, as "BUyer" agreed to pay Dickinson Three Thousand Six lIundred Dollars ($3,600,00) with interest allhe initial rale of seven point five percent (7,5%) per annum, in one hundred twenty four (124) equal monthly installments of Forty One Dollars and Eighty-One Cents ($41.8 J) commencing Oil Fehwary 28, 1993 alld ending on May 28. 2003, 14, Section II oflhe Contrael(s) provides Ihat "If a payment is more than 15 days late, a sum equivalenl to 5% of the late paymellt (bUlllo more Ihan $2,50 alld nOlless than $1.00) may be charged." 15, Section VI. Paragraph 3(a) of the Contract(s) provides that "Buyer shall be deemed to have committed an 'Event or Derault. oflhe Conlracts upon the occurrence orany or the following: (a) railure to make any payment on or berore the dale il is due...," 16, Section VI. Paragraph 4 of the Contracl(s) provides Ihat ir an Event or Default or the contract occurs, and is not cured by Ihe Buyer pursuant 10 the Notice or Derault, Dickinson has "the right to declare all sums due on the contract to be immediately due and payable," 17, Parents defaulted on the Contract(s) by railing to make the required monthly payments on the COnlract(s) due and owing to Dickinson since Augusl22, 1994 on the first and rourth Contracts May 4, 1995 on the second and third Contracls, 18, Noticcs were rorwarded to Parenls inrorming them ortheir derault and right to cure such derault. signer, thereby agreeing 10 repay all :1I11011111s dl1e ol1lhe loal1 if Parel1" de"lIIlted ill a<:cordallce with Ihe terms of the COlllmc!. See Exhibit IJ, 25, 011 or abol11 Aprillc" I ~~2, Call1erol1 S, Corler e.\celllcd the Third ('olllracl 'I' a co-signer, thereby agreeing to repay all amollllls dlle Olllhe loall if Parellls dct'"dled ill accordal1ce with thc lerms of the Contmc!. See Exhibit C. 26, On or aboul February 19, 1993, Camerol1 S, Corter excelllcd Ihe FOllrth ('onlract as a co-signer, thereby agreeillg 10 repay all omollllls dlle ol1lhe loall if Parellts defalllted ill accordance with the terms of the COlllrac!. See Exhibil D, 27, Cameron S, Corler signed Ihe Contract(s) as "SllIdellt Cosigller" alld ill doing so agreed to "repay all amollllls dlle on this loall iflhe !3orrower(s)lI3l1yer(s) fail to do so ill accordallee with the terms of the NOle", 28, Because Parellts have failed to make paymcllls due causing the COlltmet(s) 10 be in default, Cameron S, Corter is obligated to repay all amoullts due ul1der these Contracts, 29, Dickinson has demanded payment Oflhe obligalions owed to il by Cameron S, Corter under the above Contracts, 30, Cameron S, Corter has failed to make such payment. 31, The total amount which has become immediately due all payable to Dickinson by Cameron S, Corter pursuallt 10 the Contracts as ofSeplember 14,1998, is Twellly Four Thousand Nine Hundred Forty-Four Dollars and Sixteen Cellts ($24,944,16), which includes principal in the amount of Eighteen Thousand Six Hundred Eighl-One Dollars and Eighty-Six Cenls ($18,681,86), interest in the amount of Five Thousand Nine Hundred Five Dollars and Sevellly-Six Cents ($5,905,76), lale fees in !be amounl of Three Iluudred Fifiy,Si,\ Dollars 'Iud !'iliy,!'our Ceuls ($356.5-1), plus reasonahle alloflley's fees and collection CO\ts. WIIERE!'ORE, Plai,"ill Dickinson College demauds judgmenl againsl Sludent Cameron S, Corter in the sum ofTwenly Four Thousand Nine Hundred Forty-Four Dollars and Sixleen Cenls ($24,944,16), plus inlerest from September 14, 1998 at the rale indicated on the individual Conlract(s). latc fees, costs of suit, attorneys' fees and collection costs. COUNT 1Il I>ICKINSON COLLEGE V, CAMERON S. CORTER IN OUANTllM MERUIT In the alternative, if this Honorable Court should determine thaI an express conlracl bclween Dickinson and Cameron S, Corter docs not exist, which is denicd. Dickinson pleads the following Court In Oua11lum Aleruil 32, Paragraphs I through 31 arc incorporated hercin by rcference as if set forth in full. 33, Having requesled Dickinson to loan money. and doing so to Ihc benetil ofCamcron S, Corter. became liable to Dickinson for said money, 34, Cameron S, Corter has been unjustly enriched by accepting said money wilhout paying Dickinson reasonable compensation therefor. 35, The total amount by which Cameron S, Corter has become enriched on account of the money loaned is Twenty Four Thousand Ninc Hundred Forty-Four Dollars and Sixteen Cents ($24.944,16), 36, Dickinson has demanded payment of the above sums but Cameron S, Corter has failed ,\. , . f r " . D!CKINooN CDlJ.Fr.E Fl.F.XIRLf. fWAllCnr, SYSJU.l - 7000 PI..J\N IDJCATIONAL (j())[G AND STI1VICl::; l\l~rAIL lIJ3TAIlJ.\lJfr OAlITffiCf [).~te September 24, 1990 I. Seller: DickJ~on College, Carll"lc, Pennsylvuniu 17013 Richard T. and Suzanne Corter B..1yerCs) : 1475 Washington Lane West Chester, PA 19382 If there is more than one Buyer. each of you will be obligated. jointly and severally. for all sums due and for the perfonnance of all agreements as provided in this Contract. Under the terms of this Educational Goods and Services Retail Installment Contract. you have agreed to pay the expenses incurred for goods and services to be provided and. reo:iered. as the case may be, to Cameron Corter (hereinafter "Student") during his/her enrollment at Dickinson College durirq the 1990 ~ academic year, including tuition. room and board. books and supplies as herein stated. (hereinafter the "Goods and Services"), The Goods and Services shall include only tuition. room and board. II. TERMS OF PAYMrnr AND PAYMENI' SCHEDULE Disclosures Required by Federal Law ANNUAL PERCENTAGE RATE: . Cost of credi t as yearly rate FINANCE CHARGE: Dollar amount credit will cost Buyer AMOUNT FINANCED: Amount of credi t provided by Dickinson College TOTAL OF PAYMENTS: Amount paid by &.tyer as total of all scheduled payments TOTAL SALE PRICE: Total cost of purchase on credit. in- cluding down payment of $ 11,630.00 10.812 $ 5,882.00 $ 7 ,000.00 % $ 12.882.00 :5 18,630.00 Rev 9/89 " f f Bl.lyel~ls p.'3l'1TJ'::-nt :~(.tl''''.lllll~ wi 11 br.~ ,)S iollows: Number of Payments Amount of Paym~nt:~ 152 'Variable Rate: Late Charge: Prepayment: w'hen Poym~nts ure DJ': $84.75 M0nthly commcncJng unt 11 5/28/03 10/28/90 The ANNUAL PERCENrAGE RATE disclosed arove is a variable rate and Illay change, The ANNIJAL PERCENTAGE RATE may increase during the term of this transaction if the prime rate of interest announced in the Wall Street Journal as of the close of l:usiness on June 30 of each ~lerrldr year increases. and wi}l be increased to the prime rate plus 1%. The ANNUAL PERCENTAGE RATE wi 11 not increase more than onco a year. arrl the new interest r/1te WJll become eftecti'/e on July 1 following the increase, if any, in the prime rate of interest, Any increase will be in the form of higher payment amounts. If your cost of the Goods ani Services sold hereunder were $ 7.000.00 at 11.00 % per annum for ~ months. and the prime rate plus 1% were increased to 1?nO %. your regular monthly payments would increase to $88.8Q F\1rther. the ANNUAL PERCENrAGE RATE will not increase'to more than 1al> or such other rate as may be permitted under the Pennsylvania Goods and. Services Installment Sales Act, If a payment is more than 15 days late. a sum equivalent to 5% of' the late payment (but no more than $2,50 and not less than $1.00) may be charged , B..1yer may prepay the unpaid oolance of the Amount Financed and any FINANCE OIARGE due through the date of early payment, in full or in p:..rt. without penalty, SEE SECTION VI OF TIlE CONTRACT BELOw FOR ANY ADDITIONAL INFDRMATION AroJT NON-PAYMENr. DEFAULT AND REQUIRED REPAYlIDrI' BEFORE TIlE SCHEDIJLED DATE FOR REPAYlIDrI' OF lHE AMOUNT FINANCED . III. ITEMIZATION OF AM:JUNT FINANCED 1. Cash price of Goods and Scrvi ces : $ 18,630.00 2. Total down payment: 11,630.00 3. Unpaid oolance of cash price (1 - 2): 7,000.00 4. Amount paid to others on Buyer's behalf: 0 5. Amount Financed (3 + 4): $ 7,000.00 z " , f f I IV, CPillIT INSURANCE Cro:dit, 1 ife J[)[;\.ll','n'~() fot' tl1(~ t"rm o:,f ttns Contr;,ct. IS mt n'1\lln.o., V , I~) WAHf.:ANTIE3 ntERE ARE l;\) WARlWITIES. ErnlER EXPRESSED OR IMPLIED. GIVEN BY SELLER It1 COtlND..-rIOI'l WIn! SALE OF TI1E GOODS 11110 SERVICES roVERED BY TIns CONTRACT \.JNLE3S BUYER HAS BEEN GIVEN A. SEPARATE WRITTEN WARRAlm, r. VI. ADDITIONAL PROVISIONS 1. B..1yer agrees to pay Seller the Total Sale Price by making the total down payment /100 paying Seller the Total of Payments in the number ani amount of monthly payments shown in the Payment Schedule. Payments are due on or before the same date of each month as the first payment date. Payments must be made to First Wachovia, Inc, at the following address: " ,i :\ First Wachovia. Inc, P,O, Box 70095 O1arlotte, NC 28272-{)095 2. BJyer's legal rights include the right to pay all or part of the amounts due on this Contract in advance of their due dates. to obtain a refund or credit of unearned Finance Charge whenever the amount is paid in full in advance. arrl (with Seller's consent) to reinstate the Contract if BJyer timely cures any default. 3, Buyer shall be deemed to have committed a:1 "Event of Default" of the Contract upon the occurrence of any of the following: (a) failure to make any payment on or before the date it is due, (b) failure to make a payment on any other Contract outstanding with Seller, (c) failure to perform any other provision of the Contract, (d) providing Seller with false information or signatures, (e) death. incompetence, or conviction of any B..1yer of crime involving fraud or dishonesty. (f) insolvency or bankruptcy of any BJyer, 4. Upon or after the occu=ence of any Event of Default, Seller will provide B..1yer with notice, by certified mail as required by law, addressed to Buyer's last known address as shown on Seller's records. advisirg Buyer of the default and of B..1yer's right to cure the default. The notice wi II provide the time. amount and performance necessa%Y to cure the default. If B..1yer does not cure the default as provided in the notice. Seller's rights shall include the right to declare all sums due on the Contract to be immediately due and payable, The fuyer agrees to pay all attorney's fees arrl other reasonable collection costs and charges necessary for the collection of any amount not paid when due, 5, Waiver by Seller of any Event of Default shall not be binding upon Seller if Seller should thereafter choose to exercise that or any other right or a similar Event of Default occurs later. All Seller's rights and remedies shall be cumulative. Seller's i exercise of one or more rights shall not cause Seller to lose any other rights. 6, This Contract is freely assignable by Seller, B..1yer agrees that upon receivirg notice of the assignment Buyer shall be obligated to the Assignee of this Contract. which Assignee shall have all of Seller's right and remedies. 3 ',' f r 7. It any part of this Contract is held to be illeg.)1. VOId .or lU'lenf0rceable. that provIsion shall be deemed not. to huve been a plrt of thl'J C.)ntr,)ct.. which ~hall otl1crwi!le relll.)ln fully effectlV'J, .I ~. e, 1\PPLICABLE U\W: This Agreement. whenew,r call'".j u~n to rf.! con::; trued , shall be governed by the domestic internal laws of the Comoonwealth of Pe~~lvanla except to the extent supplemented. superseded or preempted by federal law, 9. <XlNSDrr TO JURISDICTION. VENUE AND SERVICE: The partIes to thi", k.P-eement consent and. agree that all legal proceedings relating to the subject m.)tter hereof shall be maintained in the Court of Common Pleas of Cumberland County, Pennsylvania, or, if applicable, the United States Di~trict Court of the Middle District of Pennsylvania. and all parties hereto consent and agree that jurisdiction and venue for such proceedings shall lie exclusively within said court, Service of process in any such proceeding may be made by certified mai 1. return receipt rP.qUested. directed to the respective party at the address set forth above. 10. This Contract shall be binding upon the parties hereto. their heirs. successors. assigns and legal representatives, , " . , i 11. TIME IS OF '!liE ESSE}lCE OF nus roNTRACT, OOTICE: T\N'lOOWER OF nus <X>NSUMER CREDIT CONTRACT IS SUB.JECf TO ALL CUIMS AND DEFENSES WHIOi '!liE DEBTOR roJIl) ASSrnT AGAINsr '!liE SELLER OF GCO[X3 OR SERVICES OBTAINED PlJRSU7>.lrr HEm:I'O OR WIlli '!liE PROCEEI:s HE!ID)F. IID.X)VERY HEmllNDER BY 1l-lE DEBTOR SHALL I'm EXCEED AlOJNTS PAID BY '!liE DEBTOR HF1IDJNDER. OOTICE TO BUYER: (1) ro I'm SIGN lliIS AGREEMENf BEFORE YOU READ IT OR IF IT COm7>.INS T\N'l BU>.NK SPACE. (2) YOU ARE mrITI..ED TO A CXlMPLEIELY FIllED-IN ropy OF lliIS AGREEMENI'. (3) UNDER TIlE UW. YOU HAVE '!liE RIGHI' TO PAY OFF IN ADVANCE 1l-lE F1JIL l\M:lUNT WE AND UNDER CERTAIN CONDITIONS TO OBTAIN A PARITAL REHJND OF TIlE FINANCE mARGE, BUYEJHSl AOO(l BE LIDALLY rouND BUYER(S) : roPY OF lliIS CONTRACT AND nrrrno(S) TO , \ . i , I AGREE TO REPAY ALL AMOUNTS WE ON lliIS LOAN IF TIlE fDRROWER(S)/BUYER(S) FAIIB TO IX) so IN ACCORDANCE WIlli '!liE TERMS OF TIlE ~ STUDENT COSIGNER /fJvmCllrY.() \qj~ I i . . ~ .' DATE: DIO<INSON COllll3E .. ( I '1.t(11() BY ~~. .e.-. 4 1 ~ * I , k ' 1 ' \~ . I 1/ ,.. ';! t, Exhibit B ,I ()lll,\-a~ .f .\--... , f ~ \'-f~ . "';:,,::. ..0;.;..,;.::" ~ , \ .----- , . DV1<IN,X'N OJI.LEJ:;E F1EXIDU, !'!tJANCW; SYS1U1 - 7000 PIAN FJJJC,\TWtJ"L GO)IX3 AND StRVIr:r:3 m:rAIL I1bTMJ11nrr CYWlllACT " r~.t t I~ October 31, 1991 -------------..-.....--... I, Scllcr: [JJcklr15on Coli""),,, ':drll,;I..', Penrulylv,~nJ" POD ,'., , il \ fuyer(s) : Richard 1. and Suzanne Corter 1475 Washington Lane I . West Chester, PA 19382 If there is more tpan one Buyer, each of you WJ11 be obi Jgated , Jointly and severally. for all sums due and for the performance of all agreements .1S provided in this Contr,3ct. Under the tenns of thJS B:lucational Goods and Services R~tai I Installment Contract. YOll have agreed to v>Y the ~xpenses incurred for goods and servIces to t", provided ,1nd rendered. as the case may be. to Cameron S. Corter (hereinafter "Student") durin;) his/her enrollment at Dickinson College during the 1991-92 academic year. including tuition, room and toard, books and supplies as herein stated (hereinafter the "Goods and Services"), The Goods and Services shall Jnclude only tuition, room and board, II, TERMS OF PAYMENT AND PAYMENT SCliElXJLE Disclosures Required by Federal Law ANNUAL PERCENTAGE FINANCE CHARGE: AMCONI' FINANCED: TOTAL OF PAYMENI'S: TOTAL SALE RATE: . Dollar amount Amount of credi t Amount paid by PRICE: Cost of credi t as credit wi 11 provided by Buyer as total of Total cost of yearly rate cost B..1yer Dickinson College all scheduled purchase on payments credit, in- cludil'q down payment of $ 12,980.00 9.500 % $ 4,568.97 $ 7,000.00 $ 11,568,97 $ 19,980.00 Rev 9/89 l.l.J ( ( \Si;. ,.,'. '1. .' ,'. " .'. ~.:. ., !)IYCI"':J p.lym'~nt :;ctl'.'<hlle 14111 h.. i1:J (ollows: When Payments are ~e Number o( P~yment:J Am0unt of Payment:J 139 'Variable Rate: Late Charge: Prepayment: 11/28/91 $83,23 !-bnthly commencirq unti I 5/28/03 The ANNUAL PERCElITAGE RATE di,;c!=oo above is a variable rute and may change, The ANNUAL PERCENfAGE RATE Il>3Y increase durin) the term of this transaction if the prime rate of interest announced in the Wall Street J0LU"T101 as of the close of tusiness on June 30 of each calendar year increases, and wi 11 be increased to the prime rate plus 1%, The MlNUAL PERCElITAGE RATE wi 11 not increase more than once a year. and the new interest rate will become effective on July 1 following the increase, if any. in the prime rate of interest, Any increase wi 11 be in the form of higher payment amounts, If your cost of the Goods and. Services sold hereunder were $ 7.000.00 at 9.500 % per annum for .Jl2.... months. and the prime rate plus 1% were increased to 10,500 %. your regular monthly payments would increase to $ 87.23 further. the ANNUAL PERCElITAGE RATE wi 11 not increase to more than 18% or such other rate as may be permitted under the Pennsylvania Goods and. Services Installment Sales Act, If a payment is more than 15 days late, a sum equivalent to 5% of the late payment (rut no more than $2,50 and not less than $1.00) may be charged. fuyer may prepay the unpaid balance of the Amount Financed and any FINANCE QiARGE due through the date of early payment. in full or in part, without penalty, SEE SEcrION VI OF 1HE roNTRACT BELOW FOR ANY ADDITIONAL INFORMATION AOOUT NQN-PAYMENr. DEFAULT AND RIDJIRED REPAYMENr BEFORE 1HE SCHEDUI..ill PATE FOR REPAYMENI' OF 1HE AJ.O.JNT FINANCED, III, ITEMIZATION OF AMYJNT FINANCED 1. Cash price of Goods and Services: $ 19,980.00 2, ,Total down payment: 12,980.00 , 3, Unpaid balance of cash price (1 - 2): 7,000.00 l ~ 4, Amount paid to others on Buyer's behalf: 0 ;~ . 5. Amount Financed (3 + 4): $ 7,000,00 z \.l-,-J ( ( \..i4l TV. {K~1.I!T I~!;_~1f\r'\:;cr ('y(.o(llt life Insun:\f1('(' fOI" th,: t"lln '.If thIS ('ontY,-jt...t. IS n()t n~qtJ1t-(.d. V, tn WAr,rvWl'l8"; 1liERE ARE NO WAE'RANTIES. EI1HER EXPHESSFD Of~ IMPLIED, GIVDI flY SElLER ItI a:>t1ND::TION WIlli SALE OF TIiE GCX>DS AND SERVlCE.'3 ONERED BY 11lIS roNI1<ACT UrH..f.s3 1JIlYIT< HAS llEEN GIVDI A SEPARATE WRITTEN WARAAN'lY, VI, ADDITIONAL rr~VlSlONS 1. &Iyer agrees to pay Seller the Total Sale Price by makirg the total down payment tine! peying Seller the Total of Payments In the nwnber and amount of monthly payments shown in the Payment Schedule, Payments are due on or before the same date of each month as the first payment date, Payments must D} m~dc to First Wachovia, Inc, at the following address: First Wachovia. Inc, P,O, fux 70095 Charlotte, NC 28272-0095 2. Buyer's legal rights include the right to pay all or part of the amounts due on this Contract in advance of their due dates, to obtain a refund Or credit of unearned Finance Charge whenever the amount is paid in full in advance, and (with Sellel"'s consent) to reinstate the Contract if Buyer timely Cl~es any default, 3, &Iyer shall be deemed to have committed an "Event of Default" of the Contract upon the occurrence of any of the following: (a) failure to make any payment on or before the date it is due, (b) fai I ure to make a payment on any other Contract outstandi ng with Se ller, (c) failure to perform any other proVision of the Contract, (d) Providing Seller with false information or signatures, (e) death. incompetence, or conviction of any &Iyer of crime involving fraud or diShonesty. (f) insolvency or bankruptcy of any fuyer, 4. Upon or after the occurrence of any Event of Default, Seller will proVide &Iyer with notice. by certified mail as required by law, addreSsed to &Iyer's last known address as shown on Seller's records, advising Buyer of the default and of &Iyer's right to cure the default. The notice wi 11 provide the time, amount and performance necessary to cure the default, If Buyer does not cure the default as provided in the notice. Seller's rights shall include the right to declare all sums due on the Contract to be immediately due and payable, The fuyer agrees to pay all attorney's fees and other reasonable collection costs and charges necessary for the collection of any amount not paid when due, 5, Waiver by Seller of any Event of Default shall not be binding Upon Seller if Seller should thereafter choose to exercise that or any other right or a simi lar Event of Default occurs later. All Seller's rights and remedies shall be cumulative, Seller's exercise of one or more rights shall not cause Se ller to lose any other rights. 6. This Contract is freely assignable by Seller, &Iyer agrees that upon receiving notice of the assignment &lye!" shall be obligated to the Assignee of this Contract, which Assignee shall have all of Seller's right and remedies, 3 hi";' \iJ:J . ' ( ( \.~..J. 7, If any part of thl!> Conti-act IS held to be illegal, vOid or un0nfol'ccable. ttMt provJsion shall be deemed not to have been a p.)l.t of thl<] Contrdct, whJch sha II otherwise remain fully cftcctlvc, 8, APPLICABLE LAW: Thi<3 Agreement, whenever called upon to be construed, shall be governed by the domestic internal laws of the Commonwealth of Pennsylvania except to the extent supplemented, supcl"'.3eded or preempted by fcde!."l Idw, 9. CONSENT TO JUHIS"DICTION. VDlUE..7IJill SERVICE: The parties to this Agreement consent iln:1 agree that all legal proceedings relating to the subject matter hereof shall be maintained in the Court of Common Pleas of Cumberland County, Pennsylvania, or, if applicable, the United States District Court of the Middle District of Pennsylvania. and all parties hereto consent and agree that jurisdiction and venue for such proceedings shall lie exclusively within silid court. Service of process in any such proceedirg may be made by certified mai 1. retw'n receipt requested, directed to the respective party at the address set forth above. 10. This Contract shall be binding upon the parties hereto, their heirs, successors. assigns and legal representatives, 11. TIME IS OF '!HE E3SENCE OF nus CONTRACT. NC1I'ICE: ANY HOUlER OF TIiIS roNSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHIOi 1liE DEBTOR COULD ASSERT AGAINST TIiE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HrnErO OR WIlli '!HE I'ROCEID3 HEREDF, !ID..'OVERY HERillNDER BY 1HE DEBTOR SHALL NC1I' EXCW> AOOUNTS PAID BY '!HE DEBTOR HERWNDER, NC1I'ICE TO BUYER: (1) 00 NC1I' SIGN nus AGRmoIENT BEr'ORE YOO READ IT OR IF IT CONTAINS ANY BLANK SPACE, (2) YOO ARE ENTITLED TO A CX>>IPI.El"ELY FILLFD-IN ropy OF lliIS AGREEMDIT. (3) UNDER '!HE LAW, YOO HAVE '!HE RIGHf TO FAY OFF IN ADVANCE 1liE FUIL AMOUNT I:1JE AND UNDER CERTAIN CONDITIONS TO OBTAIN A PARTIAL REr'UND OF 1liE FINANCE QiARGE, COPY OF nns roNTRACT AND INTEND(S) TO BUYER(S) : I AGREE TO REPAY ALL AOOUNTS IYJE ON TIiIS LOAN IF 1liE OOROOWER(S)!BUYER(S) FAILS TO 00 so IN ACCORDANCE WIlli 1liE),lpMS OF TIiE ~ ;// ~ sruDOO COSIGNER X 1/ JJJrrVtrYlL t/)feL~ 'j DATE: DIO<INooN COLLEl3E /O-3/-C(( BY ~e_ 4 - " \".10 F (' ~~ ,. J DIO<IN9)N COlJ.mE FLEXIBLE FINl\NCI~ SY5'IDl - 2500 Pl.JIN IDJCA TIONAL oo:JOO AND SERVI em RE'l7I I L I NS'I"ALIJID.IT Q)lITRACf Date Aprll 16, 1992 I. Seller, fuyer(s) : Dickinson College, Carlisle. Pennsylvania 17013 Richard T. Corter 1475 Washington Lane West Chester, PA 19382 If there is more than one fuyer. each of you will be obligated, jointly ani severally, for all SUIll5 due ani for the perfol'lDanCe of all agreements as provided in this Contract. Under the terms of this Educational Goods ard Services Retail Installment Contract. you have agreed to pay the expenses incurred for goods ani services to be provided an:!. rendered. as the case may be, to Cameron Corter (hereil1dfter "Student") during his/her enrollment at Dickinson College during the 1991-92 academic year. including tuition, room ani 00ard. book:.9 ani supplies as herein stated (hereinafter the "Goods ard Services"). The Goods ard Services shall include only tuition. room and board. II. 1'l:>>IS OF PAYMDlT AND PAYMDlT SOlEDULE Disclosures Required by Federal LaW' ANNUAL PmCENrJ\GE F1N11NCE 0iARGE: Al>OJNI' FINANCED: TOTAL OF PAYMEN.rS, TOTAL SALE RATE : Dollar Amount Amount of credit Amount paid by PRICE: Cost of credit as credi t \Ii 11 provided by fuyer as total of Total cost of yearly rate cost fuyer Dickinson College all schedul ed purchase on payments credit. in- cludirg down Prior to repay- payment of ment: 11.000 % $17,560.00 DJrirg repay- ment: 11.000 % $ 2.078,09 $ 2.420,00 $ 4.498.09 $ 19.980 00 Rev 9/89 ". .. . ": F r - '. Ji Ll.lyo:.r' " r""YllJ':'I',t 8cl'",..j'.I1>e wi 11 ):>:, as fe.lle,"'S: t~.Imber -;,t Paym",nts A1II01u',t of P.,yments Whp.n PaymE:nts al'e Due 25 $22.18 monthly commencing 4/28/92 . and continuirg unti 1 4/28/94 or such time as Student is no longer enrolled at Dickinson (or in a.n approved full-time off-campus program of studies). whichever is earlier, 72 $46.06 monthly commencing 5/28/94 or such time as Student is no longer enrolled at Dickinson lor in an approved full-time off-campus program of studies), whichever is earlier. l,~le ch,3.rg~: If d payment is more than 15 days late, d sum equivalent to 5% of the late ~<lyment ctut no more than $2,50 and not less than $1.00) may be charged. F1..;>[,~yment: l'A1yer may prepay the unpaid balance of the Amount Financed and any FINANCE: ('HARG"E du" thn:ugh the date of early payment, in full or in part. without. penalt.y, ~;EE ;::KTfON VI OF' TIlE mNTRACr BEl.fJW FOR NN ADDITIONAL INFDRMATION AOOlJT OON-PAYMENr. DEFAULT A,ND F:El,JUIRED REPAYMENT BEFORE 1HE SCHEDULED DATE FOR REPAYMENI' OF 11iE AIOJNI f"lNANCED. III, I1'E}lIZATION OF AOOUNT FINANCED 1.' '~ush pd ce 0 f Gocds and Se~;ices: $ 19,980.00 " Tota 1 ct';.wn payment: 17 ,560.00 w' 3, Unp,id b3.1ance of cash price (I - 2): 2,420.00 4, l:-.Inount p:nd to others. on &lye1""S behalf: 0 5, 1\mcJunt Financed (3 + 4): $ 2.420,00 IV, CREDIT INSURANCE Credit lifE: insurance for the term of this Contract is not required. V, NO WARRANTIES THERE ARE NO WARr.~NTIE3, EITIiER EXPRESSED OR IMPLIED, GIVEN BY SELLER IN C'ONI'ID:TION' WIlli SALE (If 11iE G(O[JS AND SERVICES COVERED BY THIS CONTRACT lINLESS l3lIYER HAS BEEN GIVEN JI.. ~;:EPARATE WRlITEN WAF:F:AmY, 2 -, . ---..... ...----------- {" VI, ADDITIW,\1. l'hDVrsWNS r ] j 1. fuyer agrees to pay Seller the Total S.lle Price by mukin<J the total down payment ani paying Seller the Total of Payments in the n~r ond amount of monthly payments shown in the Poyment Schedule, Payments are due on or b0fore the sace date ot eoch month as the first payment dote, Payments must be made to First Wachovio. Inc, at the following address: First Wachovia. Inc, P,O, In;.: 70095 Charlotte. NC 28272-0095 2. Buyer's legal rights inClude the right to pay all or part of the aJIlOUJ'\ts due on this Contract in advance of their due dates. to obtain a refund or credit of unearned Finance Charge whenever the amount is paid in full in advance. and (with Seller's consent) to reinstate the Contract if fuyer timely cures any defoult. 3. &Iyer shall be deemed to have committed an "Event of Default" of the Contract upon the occurrence of any of the following: (a) failure to make any payment on or before the date it is due. (b) failure to make a payment on any other Contract outstanding with Seller. (c) failure to perform any other provision of the Contract. (d) providing Seller with false information or signatures, (e) death. incompetence, or conviction of any &Iyer of crime involving fraud or diShonesty. (f) insolvency or bankruptcy of any Buyer. 4. Upon or after the occurrence of any Event of Default. Seller will provide Buyer with notice. by certified mail as required by law. addressed to Buyer's last known address as shown on Seller's records. advising Buyer of the default and of B..1yer's right to , cure the default. The notice wi 11 provide the time, amount' and performance necessary to cure the default, If &Iyer does not cure the default as provided in the notice. Seller's rights shall include the right to declare all sums due on the Contract to be immediately due and payable. The B..1yer agrees to pay all attorney's fees and other reasonable collection costs and charges necessary for' the collection of any amount not paid when due. 5. Waiver by Seller of any event of default shall not be binding upon Seller if Seller should thereafter choose to exercise that or any other right or a similar Event of Default occurs later, All Seller's rights and remedies shall be cumulative. Seller's exercise of one or more rights shall not cause Seller to lose any other rights, 6. This Contract is freely assignable by Seller, B..1yer agrees that upon receiving notice of the assignment Buyer shall be obligated to the Assignee of this Contract. which AsSignee shall have all of Seller's rights and remedies. 7. If any part of this Contract is held to be illegal. void or unenforceable. that provision shall be deemed not to have been a p,1rt of this Contract. which shall otherwise remain fully effective, 8. APPLICABLE LAW: This Agreement, whenever called upon to be construed. shall be governed by the domestic internal laws of the Commonwealth of Pennsylvania except to the extent supplemented. superseded or preempted by federal law. 3 ~ .' ,.. 'J r r . . ........ ". .,.~ 9. CONSENr TO JURISDICTION. \IDlUE AND SFRVICE: TI1e pal'ties to this I\greement consent an:! agree that all legal proceedings relating to the !JUbject matter hereof shall be maintained in the Court of Common Pleas of OJmberland County, Pennsylvania, or. if applicable, the United states District Court of the Middle District of Pennsylvania. and all parties hereto consent end agree that juriooiction and venue for such proceedirgs shall lie exclusively within said court. Service of proce3!l in any such proceedirg may be made by certified ,mai 1. return receipt requested. directed to the respective party at the address set forth above. 10. This Contract shall be binding upon the parties hereto, theil' heim. succe3!lOr9. assigns and legal representatives. 11. TIME IS OF TIiE ESSE}lCE OF nus OOImlACT. OOTICE: AN'{ OOlDm OF nns CONSUMrn CREDIT OONIRACT IS SUBJF.X:T TO ALL CI..AIMS 1\ND ~ WHlai TIlE DEBl'OR COOLD 1ISSml' AGAINSl' TIlE SE1.1..ffi OF GCOOO OR smvICES OBThINID roRSIJANr HrnEI'O OR WrnI TIiE p~ HEREDF. IIDXlVERi IillIDJNDm BY TIlE DEBTOR 51iALL oor EXCEED AMOUNTS PAID 'f!{ 1liE DEBTOR tmIDlNDER. OOTICE TO Bli'm: (1) 00 NOT SIGN WIS AGREElolENl' BEFORE YOO ~ IT OR IF IT <Xlm7UNS' AN'{ BLANK SPACE, (2) YOO ARE EmITLED TO A o::M'LEI'ELY FIlUD-IN cr::Fi OF nus AGREDIml'. (3) UNDER TIiE I.J..W, YOO HAVE TIiE RIGH!' TO PAY OFF IN ADVANCE TIlE FULL >>O.Jm' WE 00 UNDER CERfAIN CONDITIONS TO OBTAIN A PARTIAL REfUND OF TIiE FINANCE 0i1IRGE. OO'iER(S) Aa<NOWLEOOE(S) REX:EIVI~ A BE LmAILY BX1ND Bli'm(S) : CCfi1Y OF nus CONrnACT AND Itm1lD(S) TO I AGREE: 1'0 REPAY ALL 1>JoPJNfS OOE ON nus LOAN IF TIiE B::lRRO'IlER(S)IIDYER(S) FlIIIS 10 00 00 IN ACCORDANCE WI1H 1liE TERMS OF sruDmr COSIGNER / ~RANSCRIPT DENT'S RECORD WILL NOT BE RELEASED IF LOAN PAY MEN TO THE COLLEGE ARE IN ARREARS OR DEFAULT. DATE: DIOONOON OOI..LE3E l..{-/0-Cj2-- 'f!{ ~~ 4 ~ " \ r r bt~ - 8 if93 DICKINSON COLLEGE FLEXIBLE FINANCING DYDTEK _ PLAN B EDUCA~IONAL GOODS AND SERVICED RET^IL INST^LLKENT CONTRACr Date February 19, 1993 I. Sal1GrJ Olckinoon Colleqo, Carllolo, Ponnoylvania 17013-2896 Richard T. and Suzanne Corter 1475 WaShington lane West Chester, PA 19382 Buy.r(.). It there ie more than one Buyer, each of you will be Obli9ated, jointly and .everally. tor all eum. due and for the performance of all a9reements as provided in thi. Contract. Under tho torma of thi. Educational Goods and Services Retail Installment Contract. you have agreed to pay the expenses incurred for 900ds and services to bs provided and rendered, &8 the case may be, to (hereinattor "Student") during hiS/her enrol ment at Dickinson Col ege ur ng t & academic year, including tuition, room and board, books and supplies as herein (hereinafter the "Goods and Services"). The Goods and Services shall include only tuition, rOOm and board. II. TERMS OF PAYMENT AND PAYMENT SCHEDULE Disclosures Required by Federal Law ANNUAL PERCENTAGE FINANCE CHARGE: AMOUNT FINANCEO. TOTAL OF PAYMENTS: TOTAL SALE RATE:. Dollar amount Amount of credit Amount paid by PRICE: Cost of credit as credit will prov ided by Buyer as total of Total cost of yearly rate cost Buyer Dickinson College all scheduled purchase on payments crsdit, in- cluding down payment of $ 17.760.00 7.50 s 1,584.44 s 3,600.00 $ 5,184.44 21,360.00 , $ Rev 2/92 ., . I f , .~ { IV. CiU:DIT IUSUHAUCE Credit 1 ifc inourllnco for lhn term of thin Contract is not required. V, IlO WARRAllTIES " THERE ARE NO WARRANTIES, EITIlER EXI'RESSED OR IKPLIED, GIVEN BY SEI,LER IN CONNECTIOIf WITH SALE Of' THE GooOS AND SERVICES COVERED BY TillS CONTRACT UllLESS BUYER HAS BEEN GIVEN l\ SEPl\AATE WRITTEN WARRA/lTY. VI. ADDITIONAL PROVISIONS 1, Buyer agrees to pay Seller the Total Sale Price by making the total down payment and paying Seller the Total of Payments in the number and amount of monthly paymentB shown 1.n the Payment Schedule. Payments are duo on or before the Bama date of each month as the first payment date. Payments must be made to Firat Wachovia, Inc. at the following addreB9: First Wachovia, Inc. P.O. Box 70095 Charlotte, NC 28272-0095 2. Buyer'B legal rights include the right to pay all or part of the amounts due O~ this Contract in advance of thelr due dates, to obtain a refund or credit of unearned Finance Charge whenever the amount is paid in full in advance, and (with Seller's consent) to reinstate the Contract if Buyer timely cures any default. 3. Buyer shall be deemed to have committed an "Event of Default" of the Contra.ct: upon the occurrence of any of the following: (a) failure to make any payment on or before the date it is due, (b) failure to make a payment on any other Contract outetanding with Seller, (c) failure to perform any other provision of the Contract, (d) providing Seller with false information or signatures, (e) death, incompetence, or conviction of any Buyer of crime involving fraud or dishonesty, (f) insolvency or bankruptcy of any Buyer. 4. Upon or after the occurrence of any Event of Default, Seller will provide Buyer with notice, by certified mail as required by law, addressed to Buyer's last known addreee ae shown on Seller's records, advising 8uyer of the default and of Buyer's right to cure the default. The notice will provide the time, amount and performance necessary to cure the default. If Buyer does not cure the default as provided in the notice, Seller's rights ehall include the right to declare all sums due on the Contract to be immediately due and payable. The Buyer agrees to pay all attorney's fees and other reasonable collection coats and charges neceosary for the collection of any amount not paid when due. S, Waiver by Seller of any Event of Default shall not be binding upon Seller if Seller should thereafter choose to exercise that or any other right or a similar Event of Default occurs later. All Seller's rights and remedies shall be cumulative. Seller's exercise of one or more rights ahal1 not cauae Seller to loee any other rights. 6. This contract is freely assignable by Seller. Buyer agrees that upon receivinq notice of the assignment Buyer shall be obligated to the Assignee of thie Contract, which Assignee shall have all of Seller's right and remedies. 7. If any part of this Contract is held to be illegal, void or unenforceable, that provision shall be deemed not to have been a part of this Contract, which shalL otherwise remain fully effective. 8. APPLICABLE LAW: This Agreement, whenever called upon to be construed, shall be governed by the domestic internal laws of the Commonwealth of pennsylvania excea~ to the extent supplemented, superseded or preempted by federal law. :1 , ' . .; .' f ,- ".-... 9. CONSENT TO JURISDICTION, VENUE ll!UL.f>tl\Ylt,;J;;,' Tho part ioo to thi. ~qroomont con..nt and &9roe that all legal procoodings relating to tho subjoct matter hereof .hall be maintained in tho Court of Common ploaD of cumborland County, penneylvania, or, if appiicable, tho Unitod Statoo Diotrict court of the Hiddl. Ol.trlct of Pennsylvania, and all partioR horeto conoent and AgrOG that juri_diction and venue for such procQodLngo ahall lio oxcluBivoly within .~ld court. Service of preceBB in Any ouch proceeding may bo made by certified mail, return receipt requootod, directod to the rospective party at tho addro.. eet forth above. 10. Thla contra.ct ahall be bl,ndlng upon tho partieD hereto, thoir holrD, auee....or_. ...1908 and 189&1 repreaentativeo. ll. TIME IS OF THY. ESSENCE OF THIS CONTRACT. NOTICE. ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIHS AIlD DEFENSES WIIICH THE DEBTOR COULD ASSERT AGAINST TilE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNOER BY TilE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER, NOTICE TO BUYER. (l) 00 NOT SIGN THIS AGREEMENT BEFORE YOU READ IT OR IF IT CONTAINS ANY BLANK SPACE. (2) YOU ARE ENTITLED TO A COMPLETELY FILLED-IN COPY OF THIS AGREEMENT, (3) UNDER THE LAW, YOU HAVE THE RIGHT TO PAY OFF IN ADVANCE THE FULL AMOUNT DUE AllD UNDER CERTAIN CONDITIONS TO OBTAIN A PARTIAL REFUND OF THE FINANCE CHARGE, BUYER(S) : THIS CONTRACT AND INTEND(S) BUYER(S) ACKNOWLEDGE ( TO BE LEGALLY BOUND Y I AGREE TO REPAY ALL AMOUNTS DUE ON THIS LOAN IF THE BORROWER(S)/BUYER(S) FAILS TO 00 SO IN ACCORDANCE WITH THE TERMS OF HE NOTE: STUDENT COSIGNER TRlU/SCRIPT 0 A STIlDEH'I:' S RECORD WILL NOT BE IlELEASED IF LOAN PAYMENTS TO THE COLLEGE ARE IN l\RREARS OR DEFAULT, DATE: DICKINSON COLLEGE '2 - (~-'1;:. BY ~~ IlWKINSON ('( JlLI( 01, 1'1;11111111 I:--J IIIH.OIIIUIJI (1I~1~1I1~ I'll AS ('II,~lIll,RI.ANI)(,OI.NIY,1'1 N~SYI VANI,\ \, ('IVII. ^('1I0N ,1.,\" RICII^,Wl. ('( lit IIR, SI/Z^NNi: COR I Lit and C^MERON S, ('( lIt rue I >eICndan!> N( I, 'IX,1I11X NOTICE OF INTENTION TO ENTER ,IUIIGMENT BY IJEFAlILI TO: SUZANNE CORTE I\. Ili:FENIl^NT D^TE OF NOTICE: Fenruar)' 10. 1999 IMPOln^NT NOTICE YOU ARE IN DEF^ULT BEC^USE YOU IIA VE FAILED TO T^KE ^CTION RE()IIlREDOF YOI/IN TillS CASE, UNLESS YOI/ ACT WITIIIN TEN D^ YS FROM TIlE DATE OF TillS NOTICE, A JlJl)GMENT M^ Y BE ENTERED ^G^INST YOU ON PLAINTIFF'S COMPL^INT WITIIOUT ^ IIE^RIN(j, ^S A RESULT, YOU M^ Y LOSE YOUR PROPERTY OR OTIIER IMPORTANT RIGIITS, YOU SIIOULD T^KE TillS NOTICE TO ^ L^ WYER ^TONCE, IF YOU DO NOT "^ VE A LA WYER OR C^NNOT ^FFORD ONE. GO TO OR TELEPIIONE THE FOLLOWING OFFICE TO FIND OUT WIIERE YOU C^N GET LEG^L IIELI'; Cumber/mitt COllllly Bilr Associatioll 2 Libert)' Al'elllle CI/rlisle. Pel//I.\)'''''''';I/ 171113-3387 TdeplltJ//e: (717) 249-3166 McNEES, W ^LLACE &. NlJRICK (j . \~~~^~ By , ,c., 1";, Stephenson Mattltes, Esquire Attorney LD, No, 6740X 100 Pine Street P,O, Box I 166 Harrisburg, P ^ 17 I 08- I 166 (717) 232-8000 Attorneys lor Plaintill Dickinson College Dated; J'IO. \) I " . , , I:, , f I, \ A " ,. , I. , oj .' " \; ~, I' \ ; I . ( 'I , " i . \ ~ .~ ':~ t ) DICKINSON ('OUDil', I'lailltilf IN 1'111' (,OURI' or COMMON I'LI'AS . ('I i~II1LIU,ANf) COIJNTY, PENNSYLVANIA v, . ('lVII, ACTION - LA W RICHARD T, CORTER, SUZANNE CORTER and CAMERON S, CORTER. Defendallts NO. }S I .)' ~.I,) J (I( eL( L NOTICE TO DEFEND You have been sued in court, If you wish 10 defend against the claims set fortb in tbe following pages, you must take action within twenly (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing wilb the Court your defenses or objec- tions to the claims set forth against you, You arc warned that ifyoll fail to do so, the case may proceed without you and ajudgment may be entered against you by the COllrt without furtber notice for any money claimed in tbe Complaint or for any other claim or relief requested by the Plaintiff, You may lose money or property or other rights important to YOll, " ':' r , ' YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IFYOU DCiNOTHAVE, A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET F<{!}TH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP,. ' ~ Court Admillistralor Cllmher/am/ COllllly COllrthollse aile COllrt/lOlIse Sqllare, 4" Floor Carlisle, PA 17013 Telepholle: (7/7) 240-6200 -<. l.J '- - : U1 A V I SO USTED HA sma DEMANDADO/A en corte, Si listed desea defenderse de las demandas que se presentan mas adelante en las siguientes paginas. debe tamar aecion dentro de los proximos veinte (20) dias despues de la notificacion de esta Demanda y Aviso radicando personalmente 0 par media de un abogado una comparecencia escrita y radicando en la Corte por escrito SllS defensas de. y objeccioncs a, las demandas presentadas aqui en contra sllya, Se Ie advierte de que si usted falla de tamar aecion como se describe anteriormente, el caso puede proceder sin usted y un fallo par cllalquier suma de dinero reclamada en la demanda 0 cualquier otra reclamacion 0 remedio solieitado par el demandante puede ser dictado en contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero 0 propiedad u otros derechos importantes para ustcd, DICKINSON CO I. I. I:< ;1':, I'I"inlill J~ IJII.('()[IIU (lI,('()~lM()NI'I,EAS 11\1!1I>1<1 A~IJ ('(JIINTY, I'ENNSYI.V ANIA v. IIVII.'\('JION-I.AW RICI lARD T. ('ORTEJ(. SUZANNE CORTER "nd CAMERON S, CORTER, Defend"nts NO Ql...\!B..ALTI I, Plaintiff Dickinson College' ("Dickinson") is a Pennsylvania cducational institution with its principal offices located in Carlisle, Cumherland ('ounty,!'ennsy/vania 170U, 2, Defendant Richard T. Corter ("Parent") is an adult individual whose last known address is 1475 Washington Lane, \Vest Chester, Chester County. Pennsylvania 19382, 3, Defendant Suzanne Corter ("Parenl") is an adult individual whose last known address is 204 Mcadow Court, Glen Mills, Delaware County, Pennsylvania 19342, 4, Defendant Cameron S, Corter ("Student") is an adult individual whose last known address is 1475 Washington Lane, \Vest Chester, Chester County, Pennsylvania 19382, COUNT I DICKINSON COLLEGE V, RICHARD T. CORTER AND SUZANNE CORTER BREACH OF CONTRACT 5, Paragraphs I through 4 arc incorporated herein by reference as ifset forth in full below, 6, On or about September 24, 1990, Parents entered into an Educational Goods and Services Retail Installment Contract ("First Contract") for expenses incurred for goods and services to be provided and rendered to their son Cameron S, Corter by Dickinson during the 1990-91 academic year, A true and correct copy of the contract is incorporated by reference and attached as Exhibit "A", 7, On or about October 31, 1991, Parents entered into an Educational Goods and (, \ Services Rctaillnstallll1C'lIt ('onlral'l ("Sl'l'Olhl ('1l1l1rarl") lilT l.'(ll.lI....t.;-. illl:ulrcd fliT ""nod.... and scrvil:cs to 11 I I " t he provided lmd rcndC:ll'd 10 tlil'ir Stlll (';II111.'11l1! S. ('011\..'1" hy I )Id, III '>011 dmill!!, lhl' I t,t)! _I):! iu:adclllic year. ^ true and correct copy of the contra,1 is illl'orptlrali..'d Ii) rcfcn:ncc and :lItachcd II'; Exhihit "B", 8. On or about ^pril16, 1992, Parcnts entered inlo an Educational <ioods and Services Rctaillnstalhncnt Contract ("Third Contract") for expenses incurred for goods and services 10 be provided and rendered to their son Cameron S, Corter hy Dickinson during the 1'191-'12 academic year, A trlle and correct copy ofthc contract is incorporated hy rcfcrcuce and attach cd as Exhibit "Cn, ,. 9, On or about February 19, 1993, Parcuts entered :nto an Educational Goods and Services Retail Installment Contract ("Fourth Contract") for expenses ineurrcd for goods and services to be provided and rendered to their son Cameron S, Corter by Dickinson during thc 1'192-93 academic year, A true and correct copy of the contract is incorporated by rcference and attach cd as Exhibit "D", , ( 10, Under the terms of the First Contract, Pments, as "Buyer" agreed to pay Dickinson Seven , \ Thousand Dollars ($7,000,00) with interest at the initial ratc often point eight one two percent ; ~ (10,812%) per annum, in one hundrcd fifty two (152) equal monthly installments of Eighty Four Dollars : j I and Seventy-Five Cents ($84,75) commencing on Oclober 28. 1990 and ending on May 28,2003, I I, Under the terms of the Second Contract, Parents, as "Buyer" agreed to pay Dickinson Seven Thousand Dollars ($7,000,00) with interest at the initial rate of nine point five percent (9,5%) per 12, Under the terms of the Third Contract, Parents, as "Buyer" agreed to pay Dickinson Two annum, in one hundred thirty nine (139) equal monthly installments of Eighty Three Dollars and Twenty- Three Cents ($83,23) commencing on November 28. 1991 and ending May 28, 2003, TIIllu'and Four !Iundred Twenly !Jolla" ($2,-120,00) wilh illlere,t allhe illitial rate ofele\'Cn perccllt (11.0%) per anllUI11. ill t\\'cnt)' live (25) cqllallllonlhly ill..tallllll.'Il!\ of Twcllty T\'..'o Dollars and Eighteen Cent' ($22,1 K) commencillg on ,\pril 2K. 1')')2 alld eliding (III April 2K. I ~').I. and scventy two (12) cqual monthly installrnenls of Forty Six !Jollars and Six ('enls ($-16,06) commcncing on May 2K. 19~4, 13, lInder the terms oflhe Fourth ('olllract. Parents, as "Buyer" agreed to pay Dickinson Three Thousand Six !Iundrcd Dollars ($3,600,00) wilh illlere,t atlhe inilial rale of seven poinl five percenl (7,5%) per annum. in one hundrcd twenty four (124) equal monthly installmcnls of Forty One Dollars and Eighty-One Cents ($41,81) commencing on February 2K. 1993 and ending on May 28, 2003, 14, Section II of tire Contract(s) provides Ihal "I I' a payment is more than 15 days late. a sum equivalent to 5% of the late payment (but no Illore than $2,50 and not less Ihan $1,00) may be charged," 15, Section VI, Paragraph 3(a) of the Contract(s) provides that "Buyer shall be deemed to have committed an 'Event of DcfauU' of the Contracts upon the occurrence of any of the following: (a) failure to make any payment on or before the date it is due...," 16, Section VI. Paragraph 4 of the Contract(s) provides that ifan Event of Default of the contract occurs. and is not cured by the Buyer pursuant to the Notice of Default. Dickinson has "the right to declare all sums due on the contract to be immediately due and payable," 17, Parents defaulted on the Contract(s) by failing to make the required monthly payments on the Contract(s) due and owing to Dickinson since August 22. J 994 on the first and fourth Contracts May 4. 1995 on the second and third Contracts, 18, Notices were forwarded to Parents informing them of their default and right to cure such default. 19, Parents have ",iled to cure sn:h Jd'llIlts, 20. Therefore Dickjn~on has c:\crciscd ih right 10 dl'l.:lall' all SUIII" dill' 011 till.' ('ontr:lct(s) to he immediately due and payahle, 21, The total amount which has become immediately due and payable to Dickinson by Paren!s pursuant to tbe Contraet(s) is Twenty Four Thousand Nine Ilundred Forty,Four Dollars and Six!een Cents ($24.944,16). which includes principal in the an"'''1ll "ITighteen Thousand Six Hundred Eighty-One Dollars and Eighty-Six Cen!s ($18,681.86), interest in the amount of Five Thousand Nine Hundred Five Dollars and Seventy-Six Cents ($5,905,76), late fees in the amount of Three Hundred Fifty-Six Dollars and Fifty-Four Cents ($356,54), plus reasonable attorney's fees and collection costs, WHEREFORE, Plaintiff Dickinson College demands judgment against Parents Richard T, Corter and Suzanne Corter in thc sum ofTwen!y Four Thousand Nine Hundred Forty-Four Dollars and Sixteen Cents ($24,944,16), plus interest from September 14, 1998 at the rate indicated in the individual Contract(s), late fees, costs of suit, attorneys' fees and collection costs, COUNT II DICKINSON COLLEGE V. CAMERON S, CORTER BREACH OF CONTRACT 22, Paragraphs I through 21 are incorporated herein by reference as if set forth in full. 23, On or about September 24. 1990. Cameron S, Corter executed the First Contract as a co- signer, thereby agreeing to repay all amounts due on the loan if Parents defaulted in accordance with the tenus of the Contract. See Exhibit A, 24, On or about October 3 I. 1991, Cameron S, Corter executed the Second Contract as a co- signer. thereby agreeing 10 repay all allWlIllh dlle on the loan if Parcnts defaulted in accordance with the terms of the Conlraet. See hhihit 1\, 25, On or about April 16, 1'1'12, Cameron S, Corter executed the Third Conlracl as a co-signer, Ihereby agreeing 10 repay all amounts due on Ihe loan if Parents defaulted in accordance with the terms of the Conlraet. See Exhibit C. 26, On or aboul February 19. 1993, Cameron S, Corter executed the Fourth Contract as a co-signer, Ihereby agreeing to repay all amounts due on the loan jf Parents defaulted in accordance with the terms of the Contract. See Exhibil D, 27, Cameron S, Corter signed Ihe Contraet(s) as "Student Cosigner" and in doing so agreed to "repay all amounts due on this loan if the l3orrower(s)/Buyer(s) fail to do so in accordance with the terms of tho Note", 28, Because Parents have failed to make payments due causing the Contraet(s) to be in default, Cameron S, Corter is obligated 10 repay all amounts due under Ihese Contraels, 29, Dickinson has demanded payment oflhe obligations owed to it by Cameron S, Corter under the above Contracls, 30, Cameron S, Corter has failed to make such paymcnt. 31, The tala I amount which has become immediately due an payable 10 Dickinson by Cameron S, Corter pursuanl to the Contracts as uf September 14, 1998, is Twenty Four Thousand Nine Hundred Forty-Four Dollars and Sixteen Cents ($24,944,16), which includes principal in the amount of Eighteen Thousand Six Hundred Eight-One Dollars and Eighty-Six Cents ($18,681.86), interest in the amount of Five Thousand Nine Hundred Five Dollars and Seventy-Six Cents ($5,905,76), late fees in the amoullt of Three Ilundreo Fin) -Six !Jollars and I- ifty-t'ollf (....111... (~\o.,hq I, pili'" rca\ollahle attorney's fecs and collection CO\ts. WIIEREFORE, 1'1:lInllff Dickin'''n C"lk~e delll,,,,,b j".I~nH'nt a~ain't Student Cameron S, Corter in the sum of Twenty Four Thousalld Nine lIundred Forty.Fonr Dollars and Sixteen Cents ($24,944,16), plus interest from Septemher 1,1, 19lJS at the rate indicated on the individual Contract(s). latc fecs. costs of suit. attorneys' fees and clll h.:ct i()ll l..:osts. COUNT III DICKINSON COLLEGE V. CAMERON S, CORTER IN OUANTUM MERUIT In the alternative, if this Ilonorable COllrt should determine that an express contract hetween Dickinson and Cameron S, Corter docs not exist, which is denied, Dickinson pleads the following COllrt In Quantum Aleruit. 32, Paragraphs Ithroogh 31 are incorporated herein by reference as if set forth in full. 33, Having requested Dickinson to loan money, and doing so to the benefit of Cameron S, Corter, became liable to Dickinson for said money, 34, Cameron S, Corter has been unjustly enriched by accepting said money without paying Dickinson reasonable compensation therefor, 35, The total amount by which Cameron S, Corter has become enriched on account of the money loaned is Twenty Four Thousand Nine Hundred Forty-Foor Dollars and Sixteen Cents ($24,944,16), 36, Dickinson has demanded payment of the above sums but Cameron S, Corter has failed , . l' ,I .' " ~ and rc.'ftl~cd 10 (10 "'0 r . '. WIII',RI-,I ()RI., PI.IIIlIIII I )ld,lIl\ll1l t ldk,'c dClIlillld... Jlldt!l1ll'111 agililll,t Ikll.'lld,11l1 (';III1l'Wn S. I . Corter in the ~tlIl1 (It h\oJ:) I'\lilrllltllh,lIHI ~";lIIl. iilll/dn:d hrrty-Fotlr f)ollars anti Sixtt:l'lll\'nls 1 ,I i' ,; . ($24.944,16), plus interest ""'111 Septelllhl" 1,1, I'I'IX althe rate iudicatcd un the individual l'unlract(s), until Cameron S, Cortl'r's obligalion is paid in full, pili" costs Ill' suit, attornt:)'s' fees <Inti collection costs, McNEES. W ALLAU: & NURICK ilL cphcnson Mauhe Attorney 1.0, No,67408 100 Pine Street p, Q,13ox 1166 Harrisburg. P A 17108-1166 ( 717)232-8000 Attorneys for Plaintiff Dickinson College Y1JiJillAIIC IN Subjcd 10 the pcnaltil.'s of IX Pa.l'.S. s.\l)(),1 n:laling to 1I11s\\orn 1;a1silicatioll to authorities, f hereby certify that I om Thomas 13, Meyer, Assistant Treasurer of Dickinson College. ono am authorized to verify this Comploint on its behalf, ono further, that the facls set forth in the foregoiug Comploint arc true and correct to the hest of my information and belief. / ),. ,__ __ _ l...... ~ I Thomas B. Meyer I" f"- --' i~-'- '-.---- Dated: (1\: 'IFI~ :, .' ! ,,' I I I i~ ~, r , . I .' r ~ (\ i, Exhibit A ~j "f.' , '. '.\ ~ '. . f r DIO<WooN COUffiE FLEY.IELE FINJU~:m:3 SY::;!l:."\ - 7000 PLAN IDJCATIONAL GOJ!XJ AND 5t)mQ~) "ETAIL IttjrALI..M:lIT CDNTRACT Date September 24, 1990 I. Seller: Dickinson College, Carllslc, Pennsylvania 17013 Richard T. and Suzanne Corter B..1yer(s) : 1475 Washington Lane West Chester, PA 19382 If there is more than one Buyer. each of you will be obligated, jointly and severally. for all sums due and for the performance of all agreements as provided in this Contract. Under the terms of this Ei:iucational Goods and Services R8tail Installment Contract.' you have agreed to pay the expenses incurred for goods am services to be provided and rendered, as the case may be. to Cameron Corter (hereinafter "Student") during his/her enrollment at Dickinson College durirg the 1990 lit academic year, including tuition. room and board. lxx:>ks and supplies as herein stated (hereinafter the "Goods and Services"), The Goods ard Services shall include only tuition, room ard board. II. TERMS OF PAYMENT AND PAYMENT SCHEDULE Disclosures Required by Federal Law ANNUAL PERCENTAGE RATE: · Cost of credi t as yearly rate FINANCE 0IAA3E: Dollar amount credit will cost B..1yer AMOONT FINANCED: Amount of credit provided by Dickinson College TOT1>.L OF PAYMENTS: Amount paid by Buyer as total of all scheduled payments TOTAL SALE PRICE: Total cost of purchase on credi t . in- cludil'q down payment of $ 11,630.00 10.812 % $ 5,882.00 $ 7 ,000.00 $ 12 .882.....QQ $ 18,630.00 Rev 9/89 f f ~ I:l.IY~l"S pc)ym'~nt 5ch~~Jul~ wi II [yo as follows: When raym,:nts arc [);e Number of Pllyments Am0unt of Paym'mts 152 'Variable Rate: Late Charge: Prepayment: 10/28/90 $84,75 Monthly commencing unt i I 5/28/03 The ANNUAL PERCENfAGE RATE disclosed aOOve is a variable rate and may change, The ANNUAL PERCENTAGE RATE may increase during the tenn of this transaction if the prime rate of interest announced in the Wall Street Journal as of the close of l:usiness on June 30 of each calendar year increases. and will be increased to the prime rate plus 1%. The ANNUAL PERCENTAGE RATE wi 11 not increase more than once d year. and the new interest rate wlll become effective on July 1 fol10wing the increase, if any, in the prime rate of interest, Any increase will be in the form of higher payment amounts. If your cost of the Goods and Services sold hereunder were $ 7.000.00 at 11.00 % per annum for ~ months, and the prime rate plus 1% were increased to 1?00 %. your regular monthly payments would increase to $!l8.8ll ,Further. the ANNUAL pERCEl'ITAGE RATE wi 11 not increase to more than 18% or such other rate as may be pennitted under the Pennsylvania Goods and Services Installment Sales Act. If a payment is more than 15 days late, a sum equivalent to 5% of'the late payment (but no more than $2,50 and not less than $1.00) may be charged.. B..1yer may prepay the unpaid balance of the Amount Financed and any FINANCE OiARGE due through the date of early payment. in full or in p.;rt, without penalty. SEE SECTION VI OF THE CONTRACT BELOW FOR ANY ADDITIONAL INFORMATION Aro.JT NON-PAYMEI'IT. DEFAULT AND RmUIRED REPAYMENT BEFORE THE SCHEDULED DATE FOR REPAYMENT OF THE mlUNT FINANCED . III, ITEMIZATION OF J\ID.JNT FINANCED l. Cash price of Goods and Servi ces : $ 18,630.00 2, Total down payment: 11,630.00 3. Unpaid balance of cash price (1 - 2) : 7,000.00 4, Amount paid to others on Buyer'S behalf: 0 5, Amount Financed (3 + 4): $ 7,000.00 2. f f :f ! i IV, CP,FIJIT IllSURAllCE ('rO:.([lt lite ii'\5lu',)n'~e tOl' thl) t-:nn ')1' tlll'l ('(;n~l'''l".t, IS nQt required, ~ : V, NO WAf'.J'<ANTIE3 V' / , I " I: ntrnE ARE 00 WARRANTIES, EITIiER EXPRESSED OR IMPLIED. GIVlJl BY 5EI..l.ER IN COllNEl..."TION' wrrn SALE OF TIiE GOODS AND SERVICES COVERED BY 1l-lIS CON'TRACT UNLESS Bl.NER HAS BED! GIVEN' A SEPARATE WRITTEN WARRAN1Y. VI, ADDITIONAL PROVISIONS , t,' I 1. B..1yer agrees to pay Seller the Total Sale Price by making the total down payment and paying Seller the Total of Payments in the number and amount of monthly payments shown in the Payment Schedule. Payments are due on or before the same date of each month as the first payment date. Payments must be made to First Wachovia. Inc. at the following address: '.' First Wachovia, Inc, P,O, Box 70095 Olarlotte. NC 28272-<l095 " 2. B..tyer's legal rights include the right to pay all or part of the amounts due on this Contract in advance of their due dates, to obtain a refund or credi t of l.Iflearned Finance Charge whenever the amount is paid in full in advance. and (with Seller's consent) to reinstate the Contract if Buyer timely cures any default. 3. Buyer shall be deemed to have committed an "Event of Default" of the Contract upon the occurrence of any of the following: (a) failure to make any payment on or before the date it is due. (bl failure to make a payment on any other Contract outstanding with Seller. (cl failure to perform any other provision of the Contract. (dl providing Seller with false information or signatures. (el death. incompetence. or conviction of any B..1yer of crime involving fraud or dishonesty. (fl insolvency or banlauptcy of any Buyer. " .. 1 \ .' , , , .~ 4, Upon or after the occurrence of any Event of Default. Seller will provide Buyer with notice. by certified mail as required by law. addressed to &1yer's last known address as shown on Seller's records. advising &1yer of the default and of Buyer's right to cure the default. The notice will provide the time, amount and perfonnance necessary to cure the default. If &1yer does not cure the default as provided in the notice. Seller's rights shall include the right to declare all sums due on the Contract to be immediately due and payable, The Buyer agrees to pay all attorney's fees and other \ reasonable collection costs and charges necessary for the collection of any amount not I ~ paid when due, . ~~ t' f! 5. Waiver by Seller of any Event of Default shall not be bindirg upon Seller if seHer should thereafter choose to exercise that or any other right or a similar Event of Default occurs later. All Seller's rights and remedies shall be cumulative, Seller's e:~ercise of one or more rights shall not cause Seller to lose any other rights. 6, This Contract is freely assignable by Seller. Buyer agrees that u.pon receivirg notice of the assignment Buyer shall be obligated to the Assignee of this Contract. which Assignee shall have all of Seller's right and remedies, 3 " .. 7, I'f""~Y part of this contra{ JS held to be illegal. VOId o(unenfOrCCr1ble, that provision shall be deemed not to have reen a part of this Contri'\ct, which :::h:1l1 otherwise remain fully ~ffectlve, 8, APPLICABLE LAW: This Agreement, whenever' called up:m to be construed, shall be governed by the domestic intel"1),~1 Idws of the Commonwealth of Pennsylvanla except to the extent supplemented. superseded or preempted by federal law, 9. CONSENT TO JURISDICTION, VENUE AND SERVICE: The parties to this Agreement consent and agree that all legal proceedings relating to the subject matter hercof shall be maintained in the Court of Common Pleas of Cumberland County, Pennsylvania. or, if applicable. the United States District Court of the Middle District of Pennsylvania. and all parties hereto consent and agree that jurisdiction and venue for such proceeding'l3 shall lie eXClusively within said court, Service of process in any such proceeding may be made by certified mai 1. return receipt requested, directed to the respective party at the address set forth above, 10. This Contract shall be binding upon the parties hereto. their heirs. successors. assigns am legal representatives, 11. TIME IS OF TIlE ESSENCE OF nus OONTRACT. /mICE: AN'{ fi)WER OF THIS <XlNSUMER CREDIT CONTRACT IS SUBJI:X:T TO ALL CLAIMS AND DEFDlSES WHIa-t 1liE DEBTOR CXlULD ASSmT AGAINST TIlE SELLER OF GCOOS OR SERVICES OBTAINED PURSUMIT HrnE:ro OR WIlli TIlE PROCEEI:6 HrnEDF. REl:OVERY HERElJNDER BY 1liE DEBTOR SHAlL NOT EXCEED AJoaJmS PAID BY TIlE DEBTOR HERE1JNDER. OOTICE TO~: (1) 00 /m SIGN lliIS AGREEMENf BEFORE YOU READ IT OR IF IT CONTAINS l\N'f' BLANK SPACE. (2) YOU ARE ENTI1UD TO A COMPLEI'ELY FIUID-IN COPY OF lliIS AGREEMENf. (3) UNDER TIiE LAW. YOU HAVE TIlE RIGHT TO PAY OFF IN ADVANCE THE FUIL A/oOUNT DUE AND UNDER CERThIN OONDrITONS TO OIID.IN A PARTIAL ID'UND OF 1liE FINANCE OiARGE, BUYER(S) Aa<NO BE LEl3ALLY OOUND ~(S): OOPY OF lliIS CON'rnACT AND UffilID(S) TO " . ,: ;. I AGREE TO REPAY ALL AMOUNrS DUE ON lliIS LOAN IF THE OOROOWER(S)!BJYER(S) FAlLS TO IX) 00 IN ACCORDANCE WITH TIiE TERMS OF THE ~ SIUDOO CC6IGNER / f1uJJ1l{Jl)fYX) c~~ DATE: DICKINooN COLLIDE 11vrl10 ~8 BY .e.-.- 4 I I ..' , . . ...... . -. .~ . \ r If....!',l \tEi~ -~_.'- , . f' Olll,\-o.;o., DICr:INSON CDLlil3E flEXIBlE FINANCW3 SYSI'F11 - 7000 PLAN F1XJCATIONAL GO::lOO AND SERVIce, RE:rAIL ItJ:.iTfJl1illIT COtm<ACf D1te October 31, 1991 I. Seller: DickInson C011E"Jc, CarlIsle, Peruo;ylv"m'J 1'1013 fuyer(s) ; Richard T. and Suzanne Corter 1475 Washin9ton Lane West Chester, PA 19382 If there is more than one 8~yer, each of Y0U will be oblJgated, jointly and severally. for all sums due and for the performance of all agreements as provided in this Cont~)ct. Under the terms of this lliucational Goods and Services R-=tai I Installment CQntr,)ct, YOll have agreed to pay the '~xpenses incurred for goods and services to t€ provided and t-endered, as the case may be. to Cameron S, Corter (hereinafter "Student") during his/her enrollment at Dickinson Co! lege durIng the 1991-92 academic year. including tuition, room and boan!, Woks and supplies ,'IS herein stated (hereinafter the "Goods and Services"), The Goods and Services shall include only tuition, room and bo,'U"d, II. TERMs OF PAYMENr AND PAYMENT SCHEDuLE Disclosures Required by Federal Law ANNUAL PERCENTAGE FINANCE CHARGE: AMOUNr FINANCED: TarAL OF PAYMENTS: TarAL SALE RATE: · Dollar amount Amount of credit Amount paid by PRICE: Cost of credi t as credi t wi 11 provided by Buyer as total of Total cost of yearly rate cost Buyer Dickinson College all scheduled purchase on peyments credit, in- cluding down payment of $ 12,980.00 9.500 % $ 4,568.97 $ 7,000.00 :5 11,568.97 $ 19,980,00 Rev 9/89 l,l.,.-\ t:~ , w ( ( Duycl"'n puym'mt schedulc 14111 I.: ,1<' led low::: Number of Payments Amount of Payments Whcn P<lym':nl" arc D.le I I 139 $83,23 Monthly commcncing 11/28/91 unt II -2JlflL0}___, ___' , ., 'Variable Rate: The ANNUAL PERCENTAGE RATE diGclo::;ed above w a varil\ble r<lte and may change, The ANNUAL PERCENrAGE RATE may Increase durirq' the term of this transaction if the prime rate of interest announced in the Wall street Journal as of the close of b..Jsiness on June 30 of each calendar year increases, and wi 11 be increased to the prime rate plus 1%. The ANNUAL PERCENTAGE RATE wi 11 not. i ncrcane more than once a year. and the new interest rate will become effectIve on July 1 following the increase. if any, in the prime rate of interest, Any increase will be in the form of higher payment amounts. If your cost of the Goods and Services sold hereunder were $ 7,000,00 at 9.500 % per annum for ~ months, and the prime rate plus 1% were increased to 10.500 %. your regular monthly payments would increase to $ 87.23 Further, the ANNUAL PERCENTAGE RATE wi 11 not increase to more than 18% or such other rate as may be permitted under the Pennsylvania Goods and Services Installment Sales Act, ~ '. , t! .' " Late Charge: If a payment is more than 15 days late, a sum equivalent to 5% of the late payment (rut no more than $2,50 and not less than $1.00) may be charged, Prepayment: Buyer may prepay the unpaid balance of the Amount Financed and any FINANCE 0iARGE due through the date of early payment, in full or in part, without penalty, , I SEE SEcrION VI OF 11iE CONTRACT BELOW FOR AN{ ADDITIONAL INFORMATION AID.JJ: N:)N-PAYMENT, DEFAULT AND RmUIRED REPAYMENI' BEFDRE 11iE SOlEIJIJLED DATE FOR REPAYMENI' OF TIiE AM::XJNT FINANCED . 1 . i I III. IIDIIZATION OF AM::XJNT FINANCED . \ 1. Cash price of Goods and Services: $ 19,980.00 2, ,Total down payment: 12.980.00 3, Unpaid balance of cash price (1 - 2): 7.000.00 4, Amount paid to others on B..lyer's behalf: 0 5, Amount Financed (3 + 4) : $ 7,000.00 I,' 2 (,.~_.,1 ( \...--1 ~ rl I' I r ! , ( IV, CREDIT Hl3\nWJCE ('yt-,lp: lIte In.3IU'':\ri(.'~ fOt" th~ t'-:')"1n c..,l thl~ Contr,jct. ]8 n()t n.\(p.llt"f:-d. V, N<) WARr~t[rIf:,J TIiEr\E ARE NO WAr<RAIrrIm, EIniF.R EXPRESSED OR IMPLIm, GIVEN BY SFlJ,m IN O:JllNI1:TION' WIlH STILE OF TIlE G<.XJW NllJ smvIcr.s COVERrD BY nns roNTRACT UNLl:."SS !JI)YER HAS flEDl GIVEN A SEPARATE WIHTTEN WARP.ANTr', VI, ADDITIONAL PROVISIONS 1. fuyer agrees to pay Seller the Total Sale Price by making the total down payment tlrd peying Seller the Total of Payments in the number and amount of monthly payments shown in the Payment Schedule, Payments are due on or before the same date of each month as the first payment date, Payments must be made to First Wachovia, Inc, at the following address: First Wachovia. Inc, P,O, Box 70095 Charlotte. NC 28272-0095 2, fuyer's legal rights include the right to pay all or part of the amounts due on this Contract in advance of their due dates. to obtain a refund or credit of unearned Finance O'large whenever the amount is paid in full in advance, and (with Seller's consent) to reinstate the Contract if Buyer timely ~~es any default, 3. fuyer shall be deemed to have committed an "Event of Default" of the Contract upon the occurrence of any of the following: (a) failure to make any payment on or before the date it 1S due. (b) failure to make a payment on any other Contract outstarding with Seller. (c) failure to perform any other provision of the Contract. (d) providing Seller with false information or signatures, (e) death. incompetence, or conviction of any Buyer of crime involving fraud or dishonesty. (f) insolvency or benkruptcy of any Buyer, 4. Upon or after the occurrence of any Event of Default. Seller will provide Buyer with notice. Uf certified mail as required by law, addressed to B..1yer's last known address as shown on Seller's records, advising Buyer of the default and of fuyer's right to cure the default. The notice will provide the time, amount and performance necessary to cure the default, If Buyer does not cure the default as provided in the notice, Seller's rights shall include the right to declare all sums due on the Contract to be immediately due and payable, The Buyer agrees to pay all attorney's fees and other reasonable collection costs and charges necessary for the collection of any amount not paid when due. 5, Waiver by Seller of any Event of Default shall not re binding upon Seller if Seller should thereafter choose to exercise that or an)' other right or a similar Event of Default occurs later, All Seller's rights and remedies shall be cumulative, Seller's exercise of one or more rights shall not cause Seller to lose any other rights. 6. This Contract is freely assignable by Seller, fuyer agrees that upon receiving notice of the assignment fuyel" shall be obligated to the Assignee of this Contract. which AsSignee shall have all of Seller's risrht and remedies, L.". \ '0J-J . ' ( \.-.~l ( 7, If any part of Ull~ C'Jntloct 1:: held I.,) 1., Illt'.Jul, vOId or unenfOl"C"oble, th,~t provIsion shall be deemed 110', to h,lVe 1",," ,) P,)l't of tlus Cont.IM:t. whJch 8hall otherwise remoin fully effcctlve, 8, APPLICABLE U\W: Thw Agreement.. whencver c.) 1 led upon to be construed. shall be governed by the domc:Jtic I ntel'm I low:J of thc Commonwealth of F'cnnsylvoma except to the extent supplemeflV:d, ,;upenx-ded ,>1' pn,',mpted by fedcI",,1 law, 9, roNSDIT m JURISDlCflON. IJE)lUE AND 5rnVlCE: The parties to thJ:J Agreement consent and agree that all legal procccdilJ]:J rel"tir,] Lo the subject O>)tter hcreof shall be lIlI1intained in the Court of Common Pleas of Cumberland County. Pennsylvania. 01'". if applicable. the United States District Court of the Middle District of Pennsylvania. and all parties hereto consent and agree that jurisdiction and venue for such proceedings shall lie exclusively within s~id court, Service of process in any such proceeding may be made by certified maJl, retl.u'n receipt requested, directed to the respective party at the address set forth above, 10. This Contract shall be binding upon the parties hereto, their heirs, successors. assigns am legal representatives, 11. TIME IS OF TIlE E3SDlCE OF THIS OOtrl'RJ\CT. NOTICE: Wi HOWER OF THIS roNSUMER CREDIT OONTRACT IS SUBJECT m ALL CLAIMS AND DEFENSES WHICH TIlE DEBTOR OOUID ASSERT AGAINST TIlE SELLER OF GCODS OR SERVICES OBTAINED PURSUANT HERE:I'O OR WIlli TIlE PROCErn3 HERIDF, REalVERY HERillNDER BY TIlE DEBTOR SHAll. NOT EXCEED 1\IO.1tITS PAID FN TIlE DEBTOR HERElINDER, NOTICE m BUYER: (1) DO NOT SIGN lliIS AGREEMENT BEFORE YOU READ IT OR IF IT alNTAINS Wi BLANK SPACE, (2) YOU ARE ENITIUD m A OCMPI..EfELY FIlLED-IN COPY OF THIS AGREEMENT. (3) UNDER THE U\W, YOO HAVE TIlE RIGHT TO PAY OFF IN ADVANCE 1HE FULL AM<Xll'IT ruE AND UNDER crnThIN CONDITIONS m OBTAIN A PlIRTIlIL RE/:'UND OF TIlE FINANCE CHARGE, OOPY OF lliIS alNTRACT AND INTEND(S) 11) BUYER(S) : I AGREE 11) REPAY ALL AMOUNTS DUE ON THIS LOAN IF TIlE IPRROWER(S)!BUYER(S) FAII..S 11) IX) 00 IN ACOORDANCE WIlli TIlE IF ~F THE l>KJfEJ A /""" 51UDENI' COSIGNER}( J!lJ!JE!.l.rYJl t))feL~ , / DATE: DIO<INooN OOl.lB3E ,/O-31-<1f .~e_ BY 4 !~ i \ l., II , !l 11 Exhibit C . " \.' fi F (' -:" ." ..... ill DIO<IN9:)N c:ou.mE FU:<IB!.E FINANe!>>::> SYmD4 - 2500 PLAN IDXATIOIOO.. 00X6 AND smvrcrn RE:l7\IL INSrAllJIDlr rotmlACT Date April 16, 1992 I, Seller: Dickinson College. Carlisle. Pennsylvania 17013 fuyer(s): Richard T. Corter 1475 Washington Lane West Chester, PA 19382 If there is more than one fuyer, each of yoo will be obligated. jOintlyarxi severally. for all sums due and for the perfol'1llaI1ce of all agreements as provided in this Contract. Under the terms of this Educational Goods am Services Retail Installment Contract. you have agreed to pay the expenses incurred for goods am services to be provided. arxi rernered.. as the case may be. to Cameron Corter (hereinafter "Student") durilYJ his/her enrollment at Dickinson College durilYJ the 1991-92 academic year. inchding tuition. room and board. books and supplies as herein stated. (hereinafter the "Goods arxi Services"). The Goods am Services shall include only tuition. room am board. II. TmMS OF PAYMrnr AND PAYMEm SOiEDULE Disclosures Required by Federal ~w ANNUAL PmCENI'AGE FINANCE Qi1>.RGE: AJ.PJNr FIIrolCED: TOTAL OF PAYMEm'S: TOrAL SALE RATE: Dollar Amount Amount of credit J\mount paid by PRICE: Cost of credit as credit will provided by fuyer as total of Total cost of yearly rate cost Buyer Dickinson College all scheduled. p..n-chase on payments credit, in- cludir:q down Prior to repay- payment of ment: 11.000 % $ 17 ,560.0() IXtrirg repay- ment: 11.000 % $ 2.078,09 $ 2,420.00 $ 4.498.09 $19, qRO nn Rev 9/89 .. -. ~. ... F r . ". ::)i [~.I:'('r I.J p.',ynJ.,'ltt. ":(l"l'll""lil.ll ~ wlll t-:- C\8 foIl()ws: t~,w,t~l' ,:,1' F'"ym~nts MOl1nt of ['",yrn.mts When Payments are D.le 25 $22.18 monthly commencing 4/28/92 . am continuing unti 1 4/28/94 or such time as Stooent is no longer enrolled at Dickinson (or in an approved full-time off-campus program of studies), whichever is earlier, 72 $46.06 monthly commencing 5/28/94 or such time as Student is no longer enrolled at Dickinson (or In an approved full-time off-campus program of studies). whichever is earlier. l,~te ch,'rge: If a P<1>11lent is more t.han 15 days late" a sum equivalent to 5% of the late puyment (but no more than $2,50 and not less than $1.00) may be charged. F1'''I'~yment: fuyor may prepay the unpaid balance of the Amount Financed and any FINANCE: ('H}I.Rt,"T, due thn:ugh the date of early payment, in full or in part. without. penalty, ::;rz ;:;f.)~rr('N VI OF 11lE O)NTRACr BELDW FOR MN 1\DDITIONAL INFDRMATION AOOlJr OON-PJ\YMENr. DEFAULT MlD RB':I\JIRID REPAYMENT' BEFORE 11lE SC"HEDULED DATE FOR REPAYMEm OF !liE AM:.U!{r FINANCED. III. I1'EMIZATION OF AOOUNT FINANCED I. I:ash PlAice of Gocds and Services: $ 19,980,00 " Total down payment: 17,560,00 '3, IJnp.3id b3.1ance of cash price (1 - 2): 2,420.00 4, ;'..mount paJd to others. on a.tyel-'s beha If : 0 5, Mlount Financed (3 + 4): $ 2.420,00 IV, CREDIT INSURANCE Credit life insurance for the term of this Contract is not required. V, NO WARRANTIES THERE ARE NO WARF:J\NTIE3. EITHER EXPRE3SED OR IMPLIED. GIVEN BY SELLER IN CONNEr.ITON' WITH SALE elF 11lE GcY)DS AND SERVICES COVERED BY nus CONTRACT UNLESS BUYER HAS BEEN GIVEN A :~'EPARATE WRITTEN WAP.PMITY, 2 --~---_._~...._._- {- VI, ADDITIONAL P[-DVISIONS ( . .. . , I 1. Buyer agrees to pay Seller the Total S:\lc Price by ma.kirg th'l total down payment aoo paying Seller the Total of Payments in the number and amount of monthly pI1yments shown in the Payment Schedule, Payments are due on or before the SOllle date of each month as the first payment date, Payments must be made to First Wachovia, Inc, at the following a1dress: First Wachovia, Inc, P.O. Pox 70095 Charlotte. NC 28272-0095 2. B..1yer's legal rights include the right to pay all or part of the amounts due on thiS' Contract in advance of their due dates, to obtain a refund or credit of unearned Finance Charge whenever the amount is paid in full in advance. and (with Seller's consent) to reinstate the Contract if Buyer timely cures any default. 3. B..1yer shall be deemed to have committed an "Event of Default" of the Contract upon the occurrence of any of the following: (a) failure to make any payment on or before the date it is due. (b) failure to make a payment on any other Contract outstanding with Seller. (c) failure to perform any other provision of the Contract. (d) providing Seller with false information or signatures, (e) death. incompetence. or conviction of any Buyer of crime involving fraud or dishonesty. (f) insolvency or bankruptcy of any fuyer. 4. Upon or after the occurrence of any Event of Default. Seller will provide atyer with notice. by certified mail as required by law. addressed to Buyer's last known address as shown on Seller's records, advising Buyer of the default and of fuyer's right to , cure the default, The notice will provide the time. amount' and performance necessary to cure the default, If Buyer does not cure the default as provided in the notice. Seller's rights shall include the right to declare all sums due on the Contract to be im'llediately due am payable. The B..1yer agrees to pay all attorney's fees and other reasonable collection costs and charges necessary for the collection of any amount not paid when due. 5, Waiver by Seller of any event of default shall not be bindirg upon Seller if Seller should thereafter choose to exercise that or any other right or a similar Event of Default occurs later, All Seller's rights and remedies shall be cumulative. Seller'S' exercise of one or more rights shall not cause Seller to lose any other rights. 6, This Contract is freely assignable by Seller, fuyer agrees that upon receiving notice of the assignment Buyer shall be obligated to the Assignee of this Contract. which Assignee shall have all of Seller's rights and remedies, 7. If any part of this Contract is held to be illegal. void or unenforceable. that provision shall be deemed not to have been a part of this Contract. which shall otherwise remain fully effective, 8. APPLICABLE LAW: This Agreement. whenever called upon to be construed. shall be governed by the domestic internal laws of the Commonwealth of Pennsylvania except to the extent supplemented. superseded or preempted by federal law. 3 '. , " ," . . r ( .' ~., .. . . .. . .~ . 9. 00HSEN1' TO JURISDICrION. VENUE AND SERVICE: 1110 P'-rties to this Agreement coreent an::!. agree that all legal proceeding3 relatirg to the :3Ubject matter hereof shall be maintoined in the Court of Common Pleas of Q..unberlarrl County, Pennsylvanio, or. if applicable. the United Stotes District Court of the Middle District of Pennsylvania, ani all parties hereto consent and agree that jurisdiction ani venue for 6Uch proceedirgs shall lie exclL15ively within Mid court, Service of proce53 in any such proceedirg may be made by certified ,mai 1. return receipt requested, directed to the respective party at the address set forth above. 10. This Controct shall be biooirg upon the parties hereto, their heirs, successors. assigns ani legal representatives, 11. TIME IS OF 1liE EJ3SD.ICE OF nus CONTRACT, NOI'ICE: AN'{ OOlDm OF nus CONSUMm CREDIT CONTRACT IS SUBID:T TO ALL Cl.AIMS AND DEnNsffi WHIai 1liE DEBTOR roJll) lISSERl' AGAINST TIlE SElLER OF GCOOO OR SffiVICES OBTAINED roRSUAHr HmErO OR WIn! 1liE PROCE:m3 IillID)F. REmVERY IIDIDINDm BY 11iE DEBTOR 9WL NOr EXCEED AMOONTS PAID BY 1liE DEBTOR HrnE1JNDER. NOI'ICE TO IJ.J'x'm: (1) 00 NO!' SIGN nus lIGRIDfEm BEFORE YOO READ IT OR IF IT com'AINS l\N'{ BLANK SPACE. (2) YOO ARE ENrrn.m TO A CXiMPLETELY FIILID-IN crJilY OF nus AGREDlENr. (3) UNDER 1liE U.W, YOO HAVE 11iE RIGHI' TO PAY OFF IN ADVANCE 1liE FUll.. AJ.t:XJNr OOE AND UNDm cmTAIN CONDmONS TO OBTAIN A PARTIAL REFUND OF 1liE FINANCE CHARGE. BUi'ER(S) AO<OOWLID3E(S) REX::E!VING A BE LEl3AILY B:XJND I B1'i:rn (S) : crJilY OF nus COI<IRA.CT AND INInlD(S) 1'0 I AGREE: TO REPAY ALL AM:XJNrs DUE ON nus LOAN IF 1liE ~(S)~(S) FArIS 1'0 00 so IN ACCXlIIDANCE WI1H 11iE 1E(MS OF SnJDENr 003IGNER / ARANSCRIPT A DENT'S RECORD WILL NOT BE RELEASED IF LOAN PAYMEN TO THE COLLEGE ARE IN ARREARS OR OEFAULT. DATE: DIOONOON COu.El3E l{-/~-9<- BY ~~ 4 Exhibit 0 " " " , I I' ,I i " I' I ~ " f ,- l'1AR - 8 W93 " r DICKINSON COLLEGE FLEXIDLE FINANCING SYSTEM _ PLAN B EDUCATIONAL GOODS AND SERVICES RETAIL INSTALLMENT CONTRAC~ Data February 19, 1993 I. Sellerl Dickinson Collego, Carliolo, ponnoylvania 17013-2896 Richard T. and Suzanne Corter 1475 Washin9ton Lane West Chester, PA 19382 Buyer(e). If there ie more than one Buyer, each of you will be obliqated, jointly and .everally. for all Burne dUG and foe the performance of all agreements as provided in this Contract. Under the terms of this Educational Goods and Services Retail Installment ContrAct, you hay, agreed to pay the expenses incurred for goods and services to be provided and rendered, 48 the case may be, to (hereinafter "Student") durinq his/her enrollment at Dick~neon Colleqe ur~nq t e academic year, including tUition, room and board, books and supplies as herein (hereinafter the "Goods and services"). The Goods and Services ahall include only tuition, room and board. II. TERMS OF PAYMENT AND PAYMENT SCHEDULE Disclosures Required by Federal Law ANNUAL PERCENTAGE FINANCE CHARGE: AMOUNT FINANCED: TOTAL OF PAYMENTS: TOTAL SALE RATE: . Dollar amount Amount of credit Amount paid by PRICE: Cost of credit as credit will provided by Buyer as total of Total cost of yearly rate cost Buyer DiCkinson Colleqe all scheduled purchase on payments credit, in- cluding down payment of S 17.760.00 7.50 S 1,584.44 s 3,600.00 5,184.44 21,360.00 , s $ Rev 2/92 .' . . , " Number ot payment. 124 .Variable Rate. Late Charge: Prepayment. { c '. Buycr'o payment ochcdulo will bo ao follows: Amount of paymcnto Whon Payments are Duo $41,81 Monthly conunencln~' until 5/28/03 2/28/93 The ANNUAL PERCENTAGE RATE disclosed above is a variable rate and may change, Ths ANNUAL PERCENTAGE RATE may increase during the term of thiB transaction if the prime rate of intereBt announced in the Wall Street Journal AD of the close of business on June 30 of each calendar year increaseB, and will be increased to the prime rate plus 1\, The ANNUAL PERCENTAGE RATE will not increase more than onco a year, and the new interest rate will become effective on July 1 following the lncrease, if any, in the prima rate of interest. Any lneraa.e wilL be in the form of higher payment amounts, If your cost of the Good. and Services sold hereunder were $ 3.600.00 at 7 50 \ per annum for ~ months, and the prime rate plus 1\ were Lncreaeed to 8.5~ '. your regular monthly payments would increase to $ 4~ 7~ . Furt sr, the ANNUAL PERCENTAGE RATE will not increase to more t an IB\ or such other rate as may be permitted under the Pennsylvania Goods and service. Installment Sales Act. If a payment is more than 15 days late, a sum equivalent to 5\ of the late payment (but no more than $2.50 and not less than $1.00) may be charged. Buyer may prepay the unpaid balance of the Amount Financed and any FINANCE CHARGE due through the date of early payment, in full or in part, without penalty. SEE SECTION VI OF THE CONTRACT BELOW FOR ANY ADDITIONAL INFORMATION ABOUT NON-PAYMENT, AND REQUIRED REPAYMENT BEFORE THE SCHEDULED DATE FOR REPAYMENT OF THE AMOUNT FINANCED. 1. 2. III. ITEMIZATION OF AMOUNT FINANCED cash price of Goods and Services: $ 21.360.00 17,760.00 3,600.00 o 3,600.00 Total down payment. Unpaid balance of cash price (1 - 2). Amount paid to othere on Buyer's behalf: Amount Financed (3 + 4): 3. 4, 5. $ .. . , . f ,. .. . -...... " IV. CREDIT INSuP~NrE Crodlt lifo lnourancfl for tho term of thin Contract is not required.. V. NO W~RHANTIES THERE l'.RE NO WARRANTIES, EITHER EXPRESSED OR IHPLIED, GIVEN BY SELLER IN CONNECTION' WITH SALE or THE GOODS AND SERVICES COVERED BY THIS CONTRACT UNLESS BUYER HAS BEEN CIVEK A SEPARATE WRITTEN WARRANTY. VI. ADDITION~L PROVISIONS 1. Buy.r agree. to pay Seller the Total Sale Price by making the total down p.yment and paying Seller the Total of paymente in the number and amount of monthly payment. shown in the Paymont Schedule. Payments are due on or be foro the Bame date of each month aD the firat payment date. Payments must be made to Firat Wachovla, Inc. at the following address: Firat Wachovia, Inc. P,O, Box 70095 Charlotte, NC 2B272-0095 2. Buyer'. legal rights include the right to pay all or part of the amount. due on this Contract in advance of their due dates, to obtain a refund or credit of unearned Finance Charge whenever tho amount Ls paid in full in advance, and (with Seller's consent) to reinstate the Contract if Buyer timely curee any default. 3. Buyer shall be deemed to have committed an "Event of Default" of the Contra.ct upon the occurrence of any of the following: (a) failure to make any payment on or before the date it ia due, (b) failure to make a payment on any other Contract outotanding with Seller. (c) failure to perform any other provision of the Contract, (d) providinq Seller with false information Or signatures, (e) death, incompetence, or conviction of any Buyer of crime involving fraud or dishonesty, (f) insolvency or bankruptcy of any Buyer. 4. Upon or after the occurrence of any Event of DefaUlt, Seller will provide Buyer with notice, by certified mail as required by law, addressed to Buyer's last known address as shown on Seller's records, advising Buyer of the default and of Buyer'e right to cure the default. The notice will provide the time, amount and performance neceseary to cure the defaulte If Buyer does not cure the default as provided in the notice, Seller's rights shall include the right to declare all Sums due on the Contract to be immediately due and payablee The Buyer agrees tQ pay all attorney's fees and other reasonable collection costs and chargea necessary for the collection of any amount not paid when duee S, Waiver by Seller of any Event of Default shall not be binding upon Seller if Seller should thereafter choose to exercise that or any other right or a similar Event of Default occurs latere All Seller's rights and remedies shall be cumulativee Seller's exercise of one or more rights shall not cause Seller to lose any other rights. 6. Thie Contract is freely aseignable by Seller. Buyer agreee that upon receivinq notice of the aesignment Buyer shall be obligated to the Assignee of this Contract, which Assignee shall have all of Seller's right and remedies. 7e If any part of this Contract is held to be illegal, void or unenforceable, that provision shall be deemed not to have been a part of this Contract, which ahalL otherwise remain fully effectivee B, APPLICABLE LAW: This Agreement, whenever called upon to be construed, shall be governed by the domestic internal laws of the Commonwealth of Pennsylvania excepc to the extent Bupplemented, superseded or preempted by federal law~ .; . . ., ,0 f r ...~- 9. CONSENT TO JURISDICTIO~, VENUE ~~~~~~: Tho partieD to thl. ~qroement con.ent and aQroe that all legal procoodingo relating to tho oubjoct matter hereor ahall be maintained in tho Court of common Pleao of cumberland County, pennoylvania, or, if applicable, the United Statee Diotrlct Court of tho Middle Dlatrict of pennaylvania, and all partiee hereto conoent And agree that juriadiction and venue for such procccdingo shall lie excluBivoly within Baid court. Service of process in any ouch proceeding may be made by certifiod mailr return receipt requootod, directed to tho respective party at the addre.. .et forth abovo. 10. This contract ahall be bindinq upon tho parties hereto, thoir hairs, luccesaorg. ...iQns and I.Qal reprooentativeo. 11. TIME IS OF THE ESSENCE OF THIS CONTRACT. NOTICE. ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AG~INST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF, RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS P~ID BY THE DEBTOR HEREUNDER. NOTICE TO BUYER: (1) DO NOT SIGN THIS ~GREEMENT BEFORE YOU READ IT OR IF IT CONTAINS ANY BLANK SPACE. (2) YOU ARE ENTITLED TO ~ COMPLETELY FILLED-IN COPY OF THIS AGREEMENT. (3) UNDER THE L~W. YOU HAVE THE RIGHT TO P~Y OFF IN ADVANCE THE FULL AMOUNT DUE AND UNDER CERTAIN CONDITIONS TO OBT~IN ~ PARTIAL REFUND OF THE FINANCE CHARGE. BUYER(S) : THIS CONTRACT AND INTEND(S) BUYER(S) ACKNOWLEDGE ( TO BE LEGALLY BOUND Y I AGREE TO REPAY ALL AMOUNTS DUE ON THIS LOAN IF THE BORROWER(Sl/BUYER(S) FAILS TO DO SO IN ACCORDANCE WITH THE TERMS OF HE NOTE: STUDENT COSIGNER TRANSCRIPT 0 A STUDENT'S RECORD WILL NOT BE RELEASED IF LOAN PAYMENTS TO THE COLLEGE ARE IN ARREARS OR. DEFAULT. DATE: DICKINSON COLLEGE '2 - ( '1-<7;:' BY ~ J:>-- r:..~".J Sb ~ f& t I , , I " , / '-.J DICKINSON ('OI.I.U;I', Plaintiff : !N Till' COURT OF COMMON PI.E^S : CUMBI'RI.^ND COUNTY. PENNSYL V ^NI^ !/'fI{ "~i;J'E"!1,UA!,'\~j~r~'1i~l!~ttill~~";~V~"'I,~St'~XJ,~I}:n~~!t~Jtt~j "",,,,,..#tI..it~ti'_"'#'i'!:;J'il'lj:~~~~:r!: .,."t,"'-' ~~~""~~ii\i' f'"r.... ~1\t..1~~\l<~jII;\'i'~tW :;,!,f~,iot"~.(.,,,, "";'.. ....,..~..."I'1i& ~~-,'LI1t, \ltf:"\1_!:',\"P"''\'< ,tll~\trt..m:...;~,", "~I:"r,~: ,t-,:~ "'j,"l,~ :'1:;' ,'".,',"'':' '''J'/'/''':: ;'''!:i.!.:.~,H . "'''')."_,~....,,,~''!' ;:':(IY;S".(': _'i'l"'.:f~l:: "':it:::.i " ",.~:}~'\",{~.,kt_'-'('-'~>~ ~..cN...: W~L;~C.: ..~ HUfClCK :::~'~';(J7~~.\~'(,'~' , . ~; t ~:r.~~.:~::'~?:~:,::\,~;:.:':t';; ,:~~:."~:."",, "t.-:_ ':':.r::~~',""~:.~:j't':~~:' .'~'t '~:',','~: :~'.~ -':"'~::0:~'-t~' :;::" " HAR"I..UPlO. P'" 17108 \, CIVIl. ^CTION - I.^ W I I RICII^RD T, COinER, SUZ^NNI' COIUER allll C^MERON S, CORTI'R, Defcllll:lIlts NO, 98-6138 :' " " " , PI~^F.CIPF. TO THE PROTlIONOT^RY OF CUMBERL^ND COUNTY: Counsel moves Ihe Court to reinstate Ihe Complainl inlhe above-eaplioned matler which was filed on or ahout Oetoher 28, 1998,10 he able to obtain service of the Complaint upon Cameron 5, Corter, Defendant. McNEES, yv ALL^CE & NURICK I -- ~~ By F, tephenson MaUhes Atlorney I.D, No,67408 100 Pine Street p, 0, Box 1166 Harrisburg, P ^ 17108-1166 (717) 232-8000 Attorneys for Plaintiff Dickinson College SlI/illllll: ("ll("h:r 204 ~kadtl\\ ('tlurt (il~n ~tills,I'A 1'))42 ..__.J M~NEES, WAl.l.ACE & NlJRICK By , '\. - ~ /' F, ,<;tephenson Mii'tthes. Esquire Attorney !.D, No, 67408 100 Pine Street 1',0, Box 1166 lIarrisburg. l' A 17108-1166 (717) 232-8000 Dated: " , . Attorneys I()r Plaintiff Dickinson College ( ( DICKINSON ('( )I.LL< dc, I'LIII11111 IN 11/1"(11'1<1 (II I ('\1\11" I'll AS ( I '\11111<1\\'1', "I \, 1',,1'1 \'\'s'd \'..\\,/,\ \' ( 'I \'/1 ..\C' III ':\ ' 1\ I\' RICHARD T. CURT/:R, SUZANNE CORTER :lIJU CAMERON S, CORTER, DcfenualJls :--;0, lJX,(, /J X 1'iOT/CE OF' I:"iTE:"iTlO1'i TO E;\,TEIl,Jl:Ilr.:\IE;\,T BY IlEFAI:I.T TO: SUZANNE CORTER, DEFENDANT DATE OF NOTICE: February 10. 1999 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU IIA VI. FAILED TO TAKE ACTION REQUIRED OF YOU IN THIS CASE, UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MA Y BE ENTERED AGAINST YOU ON PLAINTIFF'S COMPLAINT WITHOUT A HEARING, AS A RESlJL T. YOU MA Y LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS, YOU SHOULD TAKE THIS NOTICE TO A LAwYER AT ONCE, IF YOU DO NOT HA VI. A LA \vYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP: Climber/anti COllnty Bar Association 2 Liberty A "en lie Carlisle. Pennsyt.'ania 17013-3387 Telephone: (717) 249-3166 ::'N~ w~~"c, F, Stephenson Manhcs, Esquire Anomey I.D, No, 67408 100 Pine Street 1',0, Box J 166 Harrisburg,PA 17/08-1166 (717) 232-8000 , - Attorneys for Plaintiff Dickinson College Dated: 2.-/0'11 " '- (:::' , '-.-! - 0-. (':.. ~' ~\.; , r-. ./\, '" ~ ~ ", r--,;. (', r-- '0 )'..1 - " '.J S"- .~ Iv ,,'\ .::, c. -. ~ ---...." {, -.) r" r <--- t~ ~- t >c L ~ ~ -'1 '" I.) 1 I ") ." "'1 . , (,-', , Jr,; , .) -- , , . IJI< 'KINS( IN (( llll( d, I'I;II11li1f Ii': 1111. ('( 1\ :)(1 OF COMMON 1'1.I:'\s (,11~t1l1:I(1'\NIlCOIJNTY,I'ENNSYI.VANI'\ /' ~. l ' ~, /, It v, CIVIl. ,\l'1I0N - LA \V RICHARD T, COI<TEI<, SUZANNE CORTEI< and CAMERON S, COI<TEI<, Defendants NO, 98-6138 NOTICE OF ENTRY OF JlIDGMENT TO: SUZANNE CORTER, Defcndant You arc hereby notified that on ,) (() )4 been entered against you in the above-eap(ioned case, . 1999. the following Judgment has DATE: t, ..J,- ,) 4 (,,- (j /.. , , " A: Por este medio se Ie esta notifieando quc el dc del 199_, ellla siguicnte (Ordcn), (Decreto), (Fallo) ha sido anotado en contra suya en el caso mencionado en el epigrafe, 'I , FECHA: Protonotario \ ~ : ' ,f;. : ~ t> Certifieo que la siguiente dircceion es ia del defcndido/a segun indieada en el eertificado de residencia: Suzanne Cortcr 204 Meadow Court Glen Mills, PA 19342 1 hercby certify that the namc and address of the proper person(s) to receive this notice under Pa, R, Civ, p, 236 is: SU,"lIllle Corter ~O~ ~1cado\\' Court (ilcll Mills. 1',\ 1'J.14~ McNEES. WALLACE & NURICK \ r "\ ,,_______--- . J', '-~---.;.,' Ily___- J \ ~ \ 1-__. I'. Stephenson Matthes. Esquire Attorney LD. No. 67408 100 Pine Street P. O. Box 1166 Harrisburg. PA 17108-1166 (717) 232-8000 Attorneys for Plaintiff Dickinson College f ( DICKISSc IS COLli ( Ii. I'LIIIlIIII L'J 1111. ("I )("IU 01 (I 1\1\lll'J "".AS t '.\IIlIHI .-\:\1 I I 1,1." I y, 1'1 ~,'JSYL\'A:-\L\ (.IVII "'."c,:\. I.\W RICIlt\lUJ I cOin LR, SUZANNL l'C lRILR and CAMERON S. CORIER, I>Cfclldants NO. '!X.6IJX NOTICE OF INTENTION TO E!"TEH .JIID(;:\IENT BY DEFA '.L1 TO: SUZANNE CORTER. DEFENDANT DATE OF NOTICE: February 10. 1999 IMPORTANT NOllel; YOU ARE IN DEFAULT BECAUSE YOU IIA VE FAILED TO T,\KE ACTION REQUIRED OF YOU IN THIS CASE. UNLESS YOU ACT WITIIIN TEN DA YS FROM THE DATE OF TillS NOTICE. A JUDGMENT MA Y BE ENTERED AGAINST YOU ON PLAINTIFF'S COMPLAINT WITHOUT A HEARING. AS A RESULT, YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LA WYER AT ONCE. IF YOU DO NOT HA VE A LA WYER OR CANNOT AFFORD ONE. GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP: CUl1tberland County Bar Associatio1l 2 Liberty Avellue Carlis/e. Pellllsylvallia 170/3-3387 Telepholle: (717) 249-3/66 ::"~ w~:"c, F, Stephenson Matthes, Esquire Attorney LD. No. (,7408 100 Pine Slreet P.O. Box 1166 Harrisburg, PA 17108-1166 (717) 232-8000 Attorneys for Plaintiff Diekinson College Dated: /- - I 0 . 11 - COMMONWEAL TH OF PENNSYL V AN/AI COUNTY OF CUMBERlANfl/ WRIT OF EXECUTION andlor ATTACHMENT TO THE SHERIFf' OF !)..ld.....,:lp. NO :JU-0l.!tl ':l':JI 'l"'nn CIVIL ACTION. LAW To satIsfy 'he deb', lnlt~re$t and cOsl~ dLW COuNry flj ('k i 1l:;OI\ ('cd 11"31' -------------.----- from Suzilnnc Cortc.r, 204 :.If.,ldo..... ('ourt (;jPIl :.li II:;, J>/\ )1) q,' _ PLAINTlFF(S) u_____.. -- ---. -....- --------- u_u~_~u____._ ~ DEFENDANT(S) (1) You are dlrecled to levy upon Il1e prope~y 01 tile defendanl(s) and to sell_..Q.llJ?.s'rs~,l] property (2) You are also directed to allacl1the prope~y ollhe defendanl(s) nollevied upon in Ihe POSSeSsion of _ ---- .-.-. '--"-- ------.- - --.----- ------_._~._----- - ------------- .~.,--._--,_.- .. ___u_____ GARNISHEE(S) as follows: and 10 notify the garnishee(s) tl1at: (a) an allacl1ment has been issued; (b) Il1e garniShee(s) is/are enjoined from paying any debllo or for Ihe account of the defendanl(s) and from delivering any prope~y of the defendanl(s) or otilerwise diSposing Ihereof; ---____u______ (3) "prope~y 011 he defendant(s) nollevled upon an Subject 10 allachmenl is found in the possession of anyone olher Ihana named garnishee, you are direcledlo notify him/herthal he/she has been added as agarnishee and is enjoined as above stated. Amounl Due -----~$2~<L'l.i4 .12__ _u _. _~ Inlerest from 2/23/99 -~u.$l, 76!i:~0_ _u___ Ally's Comm_____ % _______ LL $.50 --_.,.._-~-------- $1. 00 $654.50 Ally Paid Plain lift Paid_ $284-,-~.9__~__u____ Due PrOlhy _ Other COSls - -------- .-...------- Dale: March 281_~u__~u_ __ --"'---'" -'---- Curtis R. Long REQUESTING PARTY; Prothonotary. Civil Division ~~(' p 7l?~0~ r Deputy Name Address: Kimberly M. Colonna, Esq. 100 Pine St. P.O.Box 1166 u Harrisburq, PA 17108-1166 ANorney tor: Plaintiff Telephone: 717-232-8000 Supreme Cou~ ID No. _-.1l0361. ----~--- , . I .~. I: I \ " '. , \ "'. ;! s . LE', I 1- t ~ :~ ~ -~ ~ ,! . I I i wi 01 - I <+ n '. IlICKINSON ('(JILI'< iL. 1'\ 1111. (()IIRI OF CO\I\lo'\ I'll. .-\S (t:~IIlI' RIAND ("( Jl IN I Y. I'I.NNSYI.VANIA I'lallluff v. NII.n.(d.1X SUZANNE (.ORTLR. I'RII'C "ll'AI AMOllNT III II..: ~24!)44.1 (, I'UIS I:-.JTI:RI:ST FRO~12/2V)t) 'IN III DI:I'I:NDANT'S OIlI.l(iATION IS SAIISHEIl AND ('OSIS Defendant WRIT OF EXECUTION NOTICE This papcr is a Writ of Execution. It has bccn issued hecause thcre is ajudgment against you. It may causc your property to hc held or taken to pay thc judgment. You may havc legal rights to prevent your property from being taken. ^ lawyer can advise you of these rights. If you wish to exercise your rights, you must act promptly. The law providcs that certain property can not be taken. Such property is said to be exempt. There is a debtor's exemption 01'$300. There arc other cxemptions which may be applicable to you. Attached is a summary o I' some of the major exemptions. You may have other exemptions or other rights. If you have an exemption, you should do the following promptly: (I) Fill out the attached claim form and demand for a prompt hcaring. (2) Deliver the fornl or mail it to the Sheriffs Office at the address noted. You should come to the court rcady to explain your cxemption. If you do not come to court and prove your exemption you may lose some of your property. YOU SIIOULD TAKI' TillS PAPI;R TO YOIIR LA W)'ER :\T Oi\:('I'. IF YOU DO NOT IIA VE A LA WYI,R OR ('AN NOI MTOIW ONI', (iO TO OR TI'l.I'PIIONI' TIll' OFFI('E SET FORTII BELOW TO 1:INil OLIT WIII;RI' YOU ('Ai\: (il;T IHiAI.IIEI./'. lJelaware County Bar Assoealion Front and Lemon Streets Media. Pa I'JO(,,, ((,10) 55r.-r.('~5 ; . I !. /' .. By:_~, ,I 11 ,-I~..('-. Kimblrly M. Colonna, Esquirc Attorney LD. No. 80362 100 Pinc Strcet P.O. Box 11 (,(, Harrishurg. Pu 17108-1166 (717) 232-8000 Allomeys for Pluinti ff Datcd: it1ju[ I I I I>WKINSO:" CCJLlHil:. I~, 111I: COI II( I (II. CO,\I~1l IN I'lb\S CI 1.\III1:RL\:\11 (.01 ':-'; IY, I'I.NNSYI.\''':-\IA 1'1'''lltll"f \". :-';0.: '1".101.1" SlIZANNJ: (.C )RTER. I'RINCII'AI/\\101INT 1>111:: S24,'144.11) I'll IS INTi:RISII'RO~1 2/2.1/'19 IINTII 1>1:I'ENI>ANrS OIlLl( iAT/ON IS SATlSFlU) ANI I (.C >STS l>c1cndanl \\'RIT OF EXfTI ''1'10:\ ('OMMONWEAl.T11 OF I'ENNSYI.V ANIA: COUNTY OF CUMIlJ:Rl.ANI> TO TilE SHERIFF OF DEl.A WARE ('OIINTY, I'J:NNSYI.V AN/A: To satisfy the judgment entered in the aho\'c captioned matter. intl..'n:st and costs. YOll arc direeted to levy upon and sell the 1()lIowing described property Ispeellically described property below): Proceed to levy upon any and all personal properly of the l>c1clldallt Illeated at 204 Mcadow Court Street. Glen Mills. PA 19342, Amount Due Interest from 2/23/99 Costs TOTAL S 24.944.16 S U(,6J)O S 654.50 $ 26.365.26 DATE: Prothonotary I i Dated: 3j-<vjl'c MeNEES. W AI.LACE & NlIRICK _Y !i /:' By !"j., Ll.; 1"ft{L".'V- Kimb.!r1y M. ('olonna. Esquire Attorney 1.0, No. 80362 100 Pine Street P. O. Box 1166 Harrisburg, P A 17108-1 166 (717) 232-8000 , \ MAJOR EXI:MI' III l:-';S I ;~llLR I'lo~~SYI\'ANIA ANI> HJJloRAI. IA II' 1. S.lfl/l slalu!lllY "'\l'mplloll 2. IhhlL'~. school hooKs. sL'wlng madlllll's. lJllIfoflns :Ind l'qlllJlIllL'nt 3. ~:lost wages and lUH:mpl(}Yllll.'llt L'ompCtlSatlO1I 4. Social Sl'l.:Urlty hl'nL'lil.... 5. ('crtain n:tin:l1ll'nl funds :mu aCCllunts 6. Certain \'l'tcran ~lI1d :.JrtllCO forces henelits 7. Certain insurancl.' procecds 8. Such other c.\cmplions as may he providc..,t1 by law ~' -, (c) 1I11H..'r (....pL'l.I!')' allHHllll ;1l1i.1 ha'ol'" Ofl'.\l'lllptlllll): I ;., ! , . \,1 u I '. I n:qlH...~t a prompt l'Olll'll1l..';IIIIl~ III dL'h.:rI11IIlC thl' c\l'mplltlll. ~otH:l.' or 1 ilL' he.lnll!! ...hould hL' .. ... given In me at (Addre,,) ('('clcphonc Numhl'rl I verify that the ~tatL'nH..'llt madc IIllhlS ('1111111 for E.'\Cl1lptHHl arc true and l.'orn.."cl. lundcf's\;lI1d that false statc:ments hcrl'in arc made SUhJl'l,;{ 10 the penalties of 11-\ Pa. C.S. ~4l)04 relatll1g to uns\\'orn falsification to authorities. D"te: (Defendant) TIllS CLAIM TO BE FII.ED WITII: TilE SIIERIFF OF DEI.A WARE COUNTY: DEI.A WARE COUNTY COURTIIOUSE 201 FRONT STREET MEDIA.I'A 19063 Area Code (610) X91-42% "'" I\J ",-t.Q ."<.l ~ '\, J.;;{) ~~~-- , .. ~~ ~ Cv---- ('-, ""- . . .1:: N , , , t! 0 ~ ~ D "I -.() . VZ : () (I C' (' ..,f) 0> 0 .z: C> C' () () . II I \ I I'- I \ t) ro r- f?' , f;f!! , , b '" :: , D :- ~ , , , , -- ",' ~ ~~~ ( ~ ~ ., "'-J , , " , ~ , , , , , , .~ I>ICKINSON (Oil IC iI. I'LlIlllilf IN II II U 1I1R I 01 ("O,\I\f( IN I'LL,\S . (11\IIlUU.t\NI> ("( 1I :,,\ IY. l'I'\0iS),LVANIt\ ("(VII. ,$.II('N.I .\1'.' SII/t\NNE ("( IH IIIC I h:h:lldalll ~(). t)X-(,1.1X I'R\ En I'E TO TilE I'ROII/( lNO JAR)' oJ CII,\IIlERLt\NI> COIINIY: ('OllIlSl'IIIIO\'CS till,: Court tll rL'inslatt: the \\'rit or E~cl,;lItioll in the aho\'l,:-captiolll.:d mailer which was lilt.:d 011 or ahnul i\larch 24. 2fJOO. to be ahle to ubtain service of the Writ of EXL't.:lItion upon Deli:ndanL ~IcNITS. \V AI.I.ACE & NURICK , . I I i' By I .'wl'" _'I J! (,/"" ,. L . 'Kimbdly M. Colllnna. Esquire Attoffley I.D, No.1\0362 100 I'ine Slrecl 1'. o. Box 1166 lIarrisbnrg.I'A 17108-1166 (717) 232-8000 AlIorncy f(>r I'laintiff Dickinson College :;UEh' J F!:' -; i<';" '!,:~; C'l1"1' ()F ('Of lU'j"l CASE NO: 1,.c'" ",j '", COr.1MON~'IEld,TH ejF l'!-::::;,-:,:,:.'..;\~:;..\; COUNTY (IF '1!...~.~.':.,~.;..;'::' DICKIN~;()~; ($;,:,;.;, 'I' \/(: C'OI~TER :< r ('i1tli,>: ,\: . R. Thom.:." 1\1111" ------_._....~ , :-~!:j'~'l::, '::11:..) bf_'i.1J(J duly E;'....()~.;l :lcconilll'J to law, ~_;ClyS, tl;:tl h,. :1:,t,I" ,j i:: I l"t::. ~;l',_I~'C-'n ,lIle: Itlquirj' [O~. :i;,. ',';itlJin named de[c'rldarlt ',',1; t 'j.' ;'j.::.:- ;'/..r'!;':;':()i': S but was unable to locClte Him in his bailiwick. Hf-' thf.=>rc[orc- deputized the sherif[ of __.,__,CI!J,-~:.c:f!,___,_,_____,_ County, P'-'nllsylvunia. to serve the '.-Jithill _FElt:!.Sl'l\I!::_f2,...NO:UCf: .f>__~gHPLAINT ._____ On Apri 1 -----_._'------'-~---,-_._~-- 19th, '-~---- 1999 this office 'IJas in l',-,ceipt of Pennsylvaniu. the attached retUl'll from CHESTf:R County, Sheriff's Costs: Docketing Out of County Surcharge Dep. Chester Co So answers: 18.00 9.00 8.00 47.99 ~~9 MCNEES, WALLACE & NORICK 04/19/1999 . . ..;- R:"lhornas !\11ne~rltf Sworn and subscribed to before me this /9 day of y{ r~"O 19 q? A.D. -t,n,' ~'{'47-- '7(- -'.' I.' , " //;./: >,. f W \\\\ . ,~ ~ ot <[.1/11/UI'/' - l,,/ .. '.'.' ;00 ....'., "' '-- .' ;'<;"~'\~" ~.~:'.= ..' '0- _'. . , ... .. ~ ) ',:.' ~I"'rf' . . .. ~.- ._',:",:,;,;--:-,:: ~. ,', , .. , '.,-. .:-,\.::,..'~, -:".:: :"'O~'Uj'., ~ .UJDEQSOr-J II [:;,...')~;.:):.. ,:;__';;;.:';l :>,~I D'~~lJ~'f n'>: . ,~ OFFICE OF THE SHERIFF :->,.....7'=:c:,; A SH.\-T.) :::'..-1' ~::;)tt'::. De:,u!'I SHERIFF'S COSTS ~), ;~, 1::>:\lrHl'll::,r, ~-;(::.~p.-. Car;~ .J.,. pr!rHI:,vl','! ~ :i<J 1 {'r, ~ .) D.ltc__:_'_.. L____________. [':.1 Receipt No. j::_~X,::._._ LJsld1Y lo"tmr.r:l""il\Ut:,,.r (-' . ,.. TO: lion. Robert Erling ; Sheriff of Chester- Co, 17 North Church SI Suite l?G O l'Jest Chester, P^ 1'1190 e~r :>lr: RE: Dif'kinson Co] .lege vs Ricltdrd 'fa Corter, ct. a1. Serve: Cameron S. Corter 98- () 118 C i vi 1 Nc)tire and Compl~int /. / -I; : Enclosedplc~sefind Notice and Complaint -,', , - to be served upon.....Came ron S. ton Lane, West Chester, PA 19382 in your County. Kindly make service thereof and send us your return of service. Enclosed is the advance payment which you requested. Very truly YO!;lrs, ~/"':! ..-:,'" '2f!!.. .....,<-.r.,. . r'.'- .._..".... '" ~..l.-f'_fJ-;J."',.__,...__ ..~&.c.-- . ;- . . R. Thomas Kline, Sheriff Cumberland County, Pennsylvania Enclosures: -:;-:.<4.11 (.-) boe-' P;: 01/.4 / (' '" ", .01/,,0 .bed To M~ Sworn r, SU~b""" , .L'ltZ _'. In ,.J 01, . . _..__ 'rll"J~"- - '1/df'; t? /0 0" .".;;'Z/'1'1 @ 3.;01' T.,f ~r;::-~ {~d II //('~tT'.?~' P- NOTAAIA;NS~';,y Public JOAN P. SOMMEL \'eo1... CoUnty We'l Chester Boro, C A .114, 2001 M Commission Ex Ires In The Court ofColl1mon Pleas of Cumberland County, Pennsylvania Dickinson College VS. Richard T. Corter, "t. ..I Serve: Cameron S. Corter v :\0. 98 - 6 1 38 C i v i I 19__ Now, 3/1 c, /99 Chester 1')_.1 SIlEHIFF OF CI.i,\IBEiU..-\:'iD COUNTY, 1'.-\ do herehy deputize II" Sh,'riffuf Count)' [0 CXl'culc this \Vrir. this dcpur~ti{)n being made :It the rcquest and risk oflhl' Plaintiff. r~~< Sheriff of Cumberland County. Pa. Affidavit of Service Now, within upon at by handing to attested copy of the original the COntents thereof. 19 . at o'clock \1. served the a true and and mJdc known to / So answers, Sheriff of County. P:I. COSTS Sworn and subscribed before me this day of SERVICE MILE.-\GE AFFlD.-\ VIT s 19_ s ",",' DICKINSON COLLEGE. Plaintiff IN TilE COURT OF COMMON I'U:AS : CUMBERLAND COUNTY. I'I:NNSYLV ANIA v. CIVIL ACTION - LAW RICHARD T, CORTER, SUZANNE CORTER and CAMERON S. CORTER, Defendants (/('( NO. J t,13J) ((1 Uot. t ,. ) , " .' ..011 1':OT\CF. TO IlEFENIl You have been sued in eourt. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days "Iler this Complaint and Notice are served; by eni~ng a written appearance personally or by attorncy and filing in writing with the Court your defellics or qqJec- tions to the claims set forth against you. You are warned that if you fail to do so, the .case.:413Y proceed without you and ajudgment may be entercd against you by the Court without further notice fer any:/noney claimed in the Complaint or for any othcr claim or relicf rcquested 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. COllrl Ai/millistrator Cumber/ami COllllty COllrthollse One COflrtllOuse Square, 4th Floor Carlisle, PA 17013 Te/epl/(lIle: (717) 240-6200 , :.r/ A V I SO USTED HA SlDO DEMANDADO/A en corte. Si usted desea defenderse de las demandas que se presentan mas adelante en las siguientes paginas. debe tamar accion dentro dc It's proximos veinte (20) dias despues de la notificacion de esta Demanda y Aviso radicando personal mente 0 por media de un abogado una comparecencia escrita y radicando en la Corte por escrito sus defensas de, y objecciones a, las demandas presentadas aqui en contra suya. Se Ie advierte de que si usted falla de tomar accion como se describe anteriormente, eI caso puede proceder sinusted y un fallo par cualquier suma de dinero reclamada en la demanda 0 cualquier otra reclamacion 0 remedio solicitado por el demand ante puede ser dictado en contra suya par la Corte sin mas aviso adicional. Usted puede perder dinero 0 propiedad u otros derechos importantes para usted. TRUe t.OPY FROM RECORD In TestltnOnY'lhoreof, Ilwe unto It)! rrry I'ltlnII ~ ~~ of saj. ~\ 31jarils,,~, P:t. his.&.ft...dll' 01 7" 19-it. - t- o . <-1"-.. J '. w " I, I 0" ! I h. .. 1 ;,1". .. .~ , '",.' lJSTED DEllE I.LEVAR LS II: DOellMENIO A SlJ AIlODAGO IMMEDIATAMENTE. SI USTED NO TII,NE llN A/lC)(jAlJo 0 NO I'IILIJE I'A(;ARI.E A IJNO, I.LAME 0 VAYA ^ 1./\ SIGUIENTE OF/UNA I''''(A 1\ VI:RIC il JAI( IJC lNIJI.: I'IIEIJE ENCONTRAR ASISTENUA I.EGAL. Court At/millistratof Cllmln'rlllllil COllllt)' Courthouse Olle COllftllOlI.\'e SlfUUfi', 4'" Floor C(/rlhle, PA 1711 /J Tdl'f'IIII/Il': (717) 2411-621111 MeNEES, WALLACE & NURICK By F. tcphenson Matthes Attorney 1.0. No.67408 100 Pine Street P. O. Box 1166 Harrisburg.PA 17108-1166 (717) 232-8000 Attorneys for Plaintiff Dickinson College DICKINSON COLLUiE. I'lainliff IN TIll' COllin OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA v. CIVIL ACTION, LAW RICHARD T. CORTER. SUZANNE CORTER and CAMERON S. CORTER. Defendants NO. COMPLAINT I. Plaintiff Dickinson College ("Diekinson") is a Pennsylvania educational institution with its principal offiees located in Carlisle. Cumberland Connty, Pennsylvania 17013. 2. Defendant Richard L Corter ("Pare'll") is an adult individual whose last known address is 1475 Washington Lane. West Chester. Chester Count)'. Pennsylvania 19382. 3. Defendant Suzanne Caner ("Parent") is an adult individual whose last known address is 204 Meadow Coun, Glen Mills. Delaware County. Pennsylvania 19342. 4. Defendant Cameron S. Corter ("Student") is an adult individual whose last known address is 1475 Washington Lane. West Chester, CheSler County. Pennsylvania 19382. COUNT I DICKINSON COLLEGE V. RICHARD T. CORTER AND SUZANNE CORTER BREACH OF CONTRACT 5. Paragraphs I through 4 arc incorporated herein by reference as ifset forth in full below. 6. On or about September 24, 1990, Parents entered into an Edueational Goods and Services Retail Installment Contract ("First Contraet") for expenses incurred for goods and serviees to be provided and rendered to their son Cameron S. Corter by Diekinson during the 1990-91 aeademie year. A true and correct copy of the contraet is ineorporated by reference and attached as Exhibit "A". 7. On or .bout October 31, 1991, Parents entered into an Edueational Goods and Services Rctaillnstallmcnt Contract ("Second COl1lrai.:t") for e:'\pl.:llses ilH.:urrcd for goods and services to be provided and rendered to their son Cameron S. Corter hy DkkillSllll during Ihl.: i<)()I-()~ academic year. ^ true and correct copy of the eonlract i,; incorporated by referCl1ce :nlll attached as Exhibit "B". 8. On or about April 1(" 1992, Parents entered into an Educational Goods and Services Retail Installment Conlract ("Third Contract") l'or expenscs incurred for goods and scrvices to be provided and rendered to their son Cameron S. Corter by Dickinsun during the 1991-92 academic year. A true and correct copy of the contraet is incorporated by reference and attached as Exhibit "C". 9. On or about Fcbruary 19, 1993, Parents entered into an Educational Goods and Services Retail Installment Contraet ("Fourth Contraet") for expenses ineurred for goods and serviees to be provided and rendered to their son Cameron S. Corter by Diekinson during the 1992-93 aeademic year. A true and correct eopy of the eontract is incorp0rated by reference and attaehed as Exhibit "D". I O. Under the terms of the First Contract. Parents, as "Buyer" agreed to pay Dickinson Seven Thousand Dollars ($7,000.00) with interest at the initial rate often point eight one two pereent ; , (10.812%) per annum, in one hundred fifty two (152) equal monthly installments of Eighty Four Dollars 'I and Seventy,Five Cents ($84.75) eommencing on Oetober 28,1990 and ending on May 28, 2003. 11. Under the terms of the Second Contract, Parents, as "Buyer" agreed to pay Dickinson Seven Thousand Dollars ($7,000.00) with interest at the initial rate of nine point five pereent (9.5%) per annum, in one hundred thirty nine (139) equa1montbly installments of Eighty Three Dollars and Twenty- Three Cents ($83.23) commencing on November 28. 1991 and ending May 28, 2003. 12. Under the terms oftbe Tbird Contract, Parents, as "Buyer" agreed to pay Dickinson Two , ~ " , ! I' Thousand Four Hundred Twenty Oollars ($2..1"(1.110) wilh inlerest allhe inilial rate of eleven percent (11.0%) per annUlIl, in IWI..'lIty live (:!5) l'qllalllllllllhly illqilllllll'1I1' ofT\\l'1I1y T\\ (1 Dollars and Eighteen Cents ($22.18) eommeneing on April "8. 1')1)2 and ending onl\pril 28, 199.1. and sevenly two (72) equal monthly installments of Forty Six Dollars and SLx Cenls ($,16.06) commencing on May 28, (994. 13. Under the (efms of the FO(lfth COlltracl, Pan:l1ls, as "BUyer" agreed to pay Dickinson Three Thousand Six Hundred Dollars ($3,6(HUJO) wilh interesl at Ihe initial rale of scven point five percent (7.5%) per annum, in one hundred twenty four (124) equal monthly installments of Forty One Dollars and Eighty-One Cents ($41.81) commencing on Fehruary 28, 1993 and ending on May 28,2003. 14. Seetionll of the Contract(s) provides that "If a payment is more than 15 days late. a SUm equivalcntto 5% of the late paymcnt (hulno more than $2.50 and not less than $1.00) may be ehargcd." 15. Seetion VI, Paragraph 3(a) of the Contracl(s) provides that "Buyer shall be deemed to have eommiued an 'Event of Default' of the Conlraets upon the oceurrence of any of the following: (a) failure to make any payment on or before the dale il is due,..." 16. Seetion VI, Paragrapl14 of the Contraet(s) provides thai ifan Event of Def.1tdt of the eontract oecurs, and is not cured by the Buyer pursuant to the Notice of Defaull, Diekinson has "the right to declare all sums due on the contraet to be immediately due and payable." 17. Parents def.1ulled on the Contraet(s) by failing to make Ihe required monthly payments on the Contract(s) due and owing 10 Diekinson sinee August 22, 1994 on the firsl and fourth Contracts May 4, 1995 on the second and third Contracts. 18. Notices were forwarded to Parcnts informing them of their default and right to cure such default. ~. 19, Parents have failed to I.:Ufe sUl.:h dcfalllh 20. Therefore Dil.:kinson has cxen:ised ih right to declare all "'luns due olllhc COlllract(s) to be immediately due and payahle. 21. The total amount which has become immediately due and payahle to Dickinson by Parents pursuant to the Contraet(s) is Tweuty Four Thousand Nine Ilundred Forty.Four Dollars and Sixteen Cents ($24.944.16). which ineludes principal in the anH1unt of Fighteen Thousand Six Hundred Eighty.One Dollars and Eighty-Six Cents ($18.681.86). interest in the alllount uf Five Thousand Nine Hundred Five Dollars and Seventy.Six Cents ($5,905.76), late fees in the amount ufThree Hundred Fifty,Six Dollars and Fifty-Four Ceuts ($356.54). plus reasonable attorney's fees and eolleetion costs. WHEREFORE, Plaintiff Dickinson College demands judgment against Parents Riehard T. Corter and Suzanne Corter in the sum of Twenty Four Thousand Nine Hundred Forty-Four Dollars and Sixteen Cents ($24,944.16), plus interest from September 14, 1998 at the rate indicated in the individual Contract(s), late fees, costs of suit, attorneys' fees and eollection costs. COUNT II DICKINSON COLLEGE V. CAMERON S. CORTER BREACH OF CONTRACT 22. Paragraphs I through 21 are incorporated herein by reference as if set forth in full, 23. On or about September 24,1990, Cameron S. Corter executed the First Contract as a co- signer, thereby agreeing to repay all amounts due on the loan if Parents defaulted in accordance with the terms of the Contract See Exhibit A. 24. On or about Oetober 31, 1991, Cameron S. Corter executed the Second Contract as a co- i I I. I ,- signer. therehy agn'cing 10 repay all ;l1II01I1l1\ due tllllllL' 10:ln if Pan:nls dcnltdtcd ill accordalH;C with the terms of the Conlraet. S"e hlllhlt Il. 25. On or ahout April I (I, I (J()~, t 'alllcfllll S. t'llrtc:r executed the Tllird ClllltrJd as a co.signcr, therehy agreeing to repay all amounts due nn the loan if Parents defaulted in accordance with thc terms of the Contract. See Exhibit C. 26. On or about February 19, 1993, <. 'arnl'wll S. Corft:r executed the FOllrth Contract as a eo-signer, thereby agreeing to repay all amounts due on the loan if Parents defaulted in aceordance wilh the terms of the Contract. See Exhibit D. 27. Cameron S. Corter signed the Contract(s) as "Student Cosigner" and in doing so agreed to "repay all amounts due on this loan if the I3orrower(s)/Buycr(s) fail to do so in accordance with the terms of the Note". 28. Because Parents have failed to make payments due eausing the Contract(s) to be in default, Cameron S. Corter is obligated to repay all amounts due under these Contracts. 29. Dickinson has demanded payment of the obligations owed to it by Cameron S. Corter under the above Contracts. 30. Cameron S. Corter has failed to make such payment. 31. The total amount which has beeome immediately due an payable to Dickinson by Cameron S. Corter pursuant to the Contraets as of September 14, 1998, is Twenty Four Thousand Nine Hundred Forty-Four Dollars and Sixteen Cents ($24,944.16), which includes principal in the amount of Eighteen Thousand Six Hundred Eight-One Dollars and Eighty-Six Cents ($18,681.86), interest in the amount of Five Thousand Nine Hundred Five Dollars and Seventy-Six Cents ($5,905.76), late fees in the ..1 f. \ I , amount of Three lIulIllrt,.'d hfty.Si\ IlnlliH'l ;lI1d I-ill) .1'nuI ( l.:[lt... (S.~5(1.),n. plm rl'i1\{lllahlc attorney's WIIERI'F< lRl'. I'laintiff (lickin,,'n (."Ikgc de,n"lIlh jndgment again'.1 Studwt Cameron S. r ,'.1 'l (,I ;: fcc~ and collcctiolll:ol,h. Corter in the SUIll of T\\enty Fonr Thousand Ninc Ilnndred Forty-Four /lollars and Sixteen Cents ($24,944.16), plus interest from September 1,1, 11)<)8 at tbe rate indicated on the individual Contract(s), late fees, costs of suit, attorneys' fees and colll'!:1 ;illll.:u"tS. COlINT III ,. IN QUANTUM MERUIT lHCKINSON COI.I.EGE V. CA.\n:nON S. COnTEn In the alternative, if this Ilonl1rable Cmort should determine that an express contract bet\\'een Dickinson and Cameron S. Corter docs not exist. which is denied, Dickinson pleads the following Court 111 Quantum Meruit ~, 32. Paragraphs I through 31 are incorporated herein by reference as if set forth in full. 33. 1.laving rcquested Dickinson 10 loan money. and doing so to the benefit of Cameron S. Corter, became liable to Diekinson for said money. 34. Cameron S. Corter has been unjustly enriched by aecepting said money without paying Diekinson reasonable eompensation therefor. 35. The total amount by whieh Cameron S. Corter has beeome enriched on aceount of the money loaned is Twenty Four Thousand Nine Hundred Forty-Four Dollars and Sixteen Cents ($24,944.16). 36. Dickinson has demanded payment of the above sums but Cameron S. Corter has failed ""-410 '1IId n.'fuwd 10 dll \0 \\III"/(I'/ C iJ<I', I'lailllilll )ieki,l\"n C ."II,""c' d'.III;III1" jlldgllJL'1I1 agalll\l I Idc'II'!;'1I1 (.allJerulI S, Corler illllle \1111101 I "enly F""r '"011\;11111 NIIIL' 1IIIIId,,'d h"ly-Follr /Joll.,,, allJ! SiXleell Cellls ($24.1).I'l.I(,), ph" illlerest from SeplellJller /,1,1')1}8 atlhe ral(' illdiealed ollllle illdividual COlltrael(s), ulltil Cameroll S. Corler's ohligalioll is paid illlidl. 1",1\ costs ol'suil. altorneys'lces alld eolleelion costs. MeNEES. WALLACE & NU/(ICK By._ ephenson Maltllc. Altorney LD. No.67408 100 Pine Strecl P. O. Box 1166 Harrisburg,PA 17108-1/66 (717) 232-8000 Altorneys for Plaintiff /)ickillson College 'I I . . - YlJUllCi\ IIC 'N Suhject 10 the penalties of I K Pa.l'.S. ~,tl)().1 rC"'lin~ to 1I1l:.worn fabilkOltillll to authorities, I hereby certify that I am "l1lUlllas B. ML')I:I. A..si:-.tant Trca..;un:r ofllickin:;on Cnlkgc. and am authurized to verify this Complaint on its hehalf, and further, that the f;u.:ts set forth in the foregoing Complaint arc tnIe and correct to the best ofm)' inti.mnatioll and hclicf. / " ) ~ '- I'" ....... "",-..!-. - Thomas B. Meyer -~- Dated: (1\ll~l~ ., ..' '. . f r DIQ<IN9:lN CDtLl'l:;E FI.D:IP1" FHWICHl3 S't'::i!t.'1 - 7000 PLNl IDJCATIONAL GCJ)[D NID SI'RVIC1E RETAIL HJ:jl1illJ.lENT COfll1iACr Date September 24, 1990 I. Seller: Dickinson College. Carlisle. Pe~~ylvonia 17013 Richard T. and Suzanne Corter fuyer(s) : 1475 Washington Lane West Chester, PA 19382 If there is more than one fuyer. each of you will be obligated, jointly and severally. for all sums due am for the performance of all agreements as provided in this Contract. Umer the terms of this Eliucational Goods am Services Retail Installment Contract. you have agreed to pay the expenses incurred for goods am services to be provided am rendered.. as the case lIldY be. to Cameron Corter (hereinafter "Student") durirq his/her enrollment at Dickinson College durirq the 1990 llt academic year. includirq tuition. room and board. books am supplies as herein stated (hereinafter the "Goods and Services"). The Goods and Services shall include only tuition. room and board. II. TERMS OF PAYMENr AND PAYMENT SCHEDULE Disclosures Required by Federal Law ANNUAL PERCENlAGE RA1E:* Cost of credit as yearly rate FINANCE CHAR3E: Dollar amount credit will cost fuyer AMOUNT FINANCED: Amount of credi t provided by Dickinson College 1'OTAL OF PAYMENTS: Amount paid by Buyer as total of all scheduled payments 1'OTAL SALE PRICE: Total cost of purchase on credi t . in-- cludirq down payment of $ 11,630.00 10.812 % $ 5,882.00 $ 7,000.00 $ 12.882.00 $ 18,630.00 Rev 9/89 f , rOo f).I>'~I"S p.1ym'Jnt ,cr.hwlul'J wi 11 h: ,t:.i i 0 it CIW!~ : NI.unJ;..Jr of p.~yments Aoount of Paymo:nts 152 .Variable Rote: Late Charge: Prepayment: W})(!rl p,)yrrJ'~nt ~l dt-.) [Ale $84.75 Monthly comm"nc1rY] 10/28/90 unt i I 5/28/03 The ANNUAL PERCENrAGE RATE disclosed aoove lS a variable rote an:!. may charge. The JI.NNUAL prnCEN'l7lGE RATE may increase durirg the term of this transaction if the prime rate of interest announced in the Wall Street Journal as of the close of business on June 30 of each calenddr year increases. an:!. wi 11 be increased to the prime rate plus 1%. The ANNUAL PERCENrAGE RATE wi 11 not increase mCll'e than once a year. am the new interest rate will become effective on July 1 foll,)winl the increase. if any. in the prime rate of interest. Any increase will be in the form of higher payment amounts. If your cost of the Goods an:!. Services sold hereunder were $ 7.000.00 at 11.00 % per annum for ~ months. and the prime rate plus 1% were increased to 12_00 %. your regular monthly payments would increase to $88.1\9 Further. the ANNUAL PERCENrAGE RATE wi 11 not increase to more than 18% or such other rate as may be permitted urder the Pennsylvania Goods am Services Installment Sales Act. If a payment is more than 15 days late. a sum equivalent to 5% of' the late payment (but no more than $2.50 and not less than $1.00) may be charged. fuyer may prepay the unpaid balance of the Amount Financed and any FINANCE OiARGE due through the date of early payment. in full or in p:u-t. without penalty. SEE SOCTION VI OF TIlE CONTRACT BELOW FOR ANY ADDITIONAL INFDRMATION AB:iUT t-KlN-PAYMENT, DEFAULT AND REQUIRED REPAYMENr BEFORE TIlE SCI-lEDULED DATE FOR REPAYMENr OF TIlE AMJUNr FINANCED. III. ITEMIZATION OF AMOUNr FINANcrn 1. Cash price of Goods and. Services: $ 18,630.00 2. Tota 1 down payment: 11,630.00 3. Unpaid balance of cash price (1 - 2): 7,000.00 4. Amount paid to others on &lyer's beha If : 0 . ; 5. Amount Financed (3 + 4): $ 7,000.00 z '. . f ... IV . GlHiIT Itt3\JRAllCE (- Cr(.dit:. 1 ifc lr~t.u'an':'~ [':"1' t_l~': t-.'r~ (,t thlS (~Ont:r'-1.::t. 15 n("Jt r~'1'lirf:oct. V. tn WARf.:ANTIE3 TIiERE i\RE ~ W1IRIWITIES. EmlER r::':PRJ::,;SID OR IMPLIED. GIVDl BY 5fl.l.rn IN COtlNJ'XTIO~ WIn; SM.E OF TIiE GOODS AND 5rnVlCE3 r;ovrnrn BY niIS COt-ITRACf lJNL.ESS IlUYER HAS BErn GIVEN 1l. SEPARATE \/IH~ \/ARAAlffi'. VI, ADDITIONAL POOVISIONS 1. B.1yer agrees to pay Seller the Total Sale Price by makirg the total down payment 1\00 poyirq Seller the Total of Payments in the number am amount of monthly payments shown in the Payment Schedule. Payments o.re due on or before the same date of each month lIS the first payment date. Payments mu::;t 00 made to First Wachovia. Inc. at the followirg address: First \/achovia. Inc. P.O, B:lx 70095 Charlotte. NC 28272-0095 2. fuyer's legal rights include the right to pay all or part of the amounts due on this Contract in advance of their due dates, to obtain a refund or credit of llnearned Finance Charge whenever the amount is paid in full in advance, ard (with Seller's consent) to reinstate the Contract if Buyer timely cures any default. 3. Buyer shall be deemed to have committed an "Event of Default" of the Contract upon the occurrence of any of the followirg: (a) failure to make any payment on or before the date it is due. (b) failure to make a payment on any other Contract outstandirg with Seller, (cl failure to perform any other provision of the Contract. (d) providirq Seller with false information or signatures, (e) death. incompetence. or conviction of any Buyer of crime involvirg fraud or dishonesty. (f) insolvency or bankruptcy of any Buyer. 4. Upon or after the occurrence of any Event of Default. Seller will provide B.1yer with notice. by certified mail as required by law, addressed to Buyer's last known address as shown on Seller's records. advisirg Buyer of the default am of Buyer's right to cure the default. The notice will provide the time, amount am performance necessary to cure the default. If Buyer does not cure the default as provided in the notice. Seller's rights shall include the right to declare all sums due on the Contract to be immediately due and payable. The fuyer agrees to pay all attorney's fees and other reasonable collection costs and charges necessary for the collection of any amount not paid when due. 5. Waiver by Seller of any Event of Default shall not be binding upon Seller if Seller should thereafter choose to exercise that or any other right or a similar Event of Defaul t occurs later. All Seller's rights arrl remedies shall be cumulative. Seller's exercise of one or more rights shall not cause Seller to lose any other rights. 6. This Contract is freely assignable by Seller. alyer agrees that upon receiving notice of the assignment Buyer shall be obligated to the Assignee of this Contract. which. Assignee shall have all of Seller's right and remedies. 3 7. If'. a'ny part of this contra{ 1: he Id to be illega 1. void or~enforceohle. that provision shall be deemed not to have been a part of this Contract. which shall othenlise remain fully effeetlvIJ. 8. APPLICABLE LAW: Th i s Agreement. whenever ea 11 ed up::>n to be construed. sha 11 be governed by the domestic internal laws of the Commonwealth of Pennsylvania except to the extent supplemented. superseded or preempted by federal law. 9. CONSDIT TO JURISDIcrION. VENUE AND SERVICE: The parties to this Agreement consent and agree that all legal proceedings relatiNJ to the subject matter hereof shall be maintained in the Court of Common Pleas of Cumberlard County, Pennsylvania. or. if applicable. the United States District Court of the Middle District of Pennsylvania. and all parties hereto consent am agree that jurisdiction and venue for such proceedings shall lie exclusively within said court. Service of process in any such proceeding may be made by certified mai 1. return receipt requested. directed to the respective party at the address set forth above. 10. This Contract shall be bindirq up::>n the parties hereto. their heirs. successors, assigns and legal representatives. 11. TIME IS OF TIlE E3SENCE OF niIS CONrRAcr. oorrCE: ANY H:)lDER OF niIS CONSUMrn CREDIT OJNTRJ\cr IS suan:x:T TO AIL ClAIMS AND DEFElISES WHIai TIiE DEBTOR 0YJIl) ASSERT AGAINSf TIiE SELLER OF GOOOO OR SERVICES OBTAINED PURSU1\NT 1ill<l:;1U OR WIlli TIiE POOCEEre HEREDF. REX:OvrnY HERElJNDER BY 1HE DEBTOR SHAlL lOr EXCEED AJoUMrS PAID BY TIiE DEBTOR HElIDJNDER. oorrCE TO BUYER: (1) 00 lOr SIGN niIS AGREEMENr BEFORE YW REJI.D IT OR IF IT CO~INS ANY BLANK SPACE. (2) YOO ARE ENTITLED TO A CXlMPI.EIELY FlUID-IN COPY OF niIS AGREEMENT. (3) UNDER 1HE LAW. YW HAVE TIiE RIGHf TO PAY OFF IN ADVANCE TIiE FULL ~ OOE AND UNDER CERTJl.IN CONDITIONS TO OBTAIN A PARTIAL ID1JND OF 1HE FINANCE QiAA3E. COP'{ OF lliIS CON'rnJI.cr AND INIDlD(S) TO BUYER(S) : I AGREE TO REPAY AIL i'lJ.lOUm'S OOE ON niIS LOAN IF TIiE roRROWER(S)!IDYER(S) FJl.IL'3 TO 00 SO IN ACCORD1\NCE WIlli TIiE TE!lMS OF TIiE ~ sruDmr COSIGNER ,. t'Ju.mCllrdJ l3/L't221iJ . t DATE: DICKINSON COL!.El3E .. crl 1-'r( 1() BY ~~ .e.- <1 .,. r, ..... t".l'~ . :);~:;. -~., , \ CJl\c.,\-a~ DIO<INS)N CDl.LEGE F1.EXIBlF. FINN-ICW3 SYSID1 - 7000 RAN IDJeATIONAL (;{1I[(j NID :JlJ<VlCES RElAIL INSTALlJ.!ENr O)N'!HACT -.---..---- October 31, 1991 [).n." L Seller: DickHlClon College. ':a1'I]51". Pennsylvama 17011 Richard T. and Suzanne Corter Buyer(s) : 1475 Washington Lane West Chester, PA 19382 If there is more than one Buyer. each of you wIll be obligated. Jointly and severally, for ~II sums due and for the performance of all agreements as provided in this Cont~3ct. Under the terms of this Ei:JucatIonal Goods and Services Retail Installment CQntr'3ct. YOLl have agreed to p.:.y the ~xpenses incurred for goods and services to t", provided and rendered. as the case may be. to Cameron S. Corter (hereinafter "Student") during hislher enrollment at Dickinson College dunng the 1991-92 academic year, including tuition, room and b;)aro. books and supplies '3S herein stated (hereinafter the "Goods am Services") . The Goods and Services shall include only tuitIon. room and board. II. TffiMs OF PAYMENr AND PAYMENT SCHEDuLE Disclosures Required by Federal Law t - ANNuAL PERCENTAGE FINANCE CHARGE: AMOUNT FINANCED: TOTAL OF PAYMDrrs: TOTAL SALE RATE: . Dollar amount Amount of credit Amount paid by PRICE: Cost of credi t as credi t wi I! provided by Buyer as total of Total cost of yearly rate cost fuyer Dickinson College all scheduled purchase on payments credit. in- cluding down payment of $12,980.00 9.500 % $ 4,568.97 $ 7,000.00 $ 11,568.97 $ 19,980.00 Rev 9/89 h--..\ ,. .:..-11 ~~ ( r~" . I}Jyt:I-',) pdyment scht-dlJlc will be ,1~ follows: Number of P~ym~nt~ ~YUnt of Paym~nts When Payments arc !)Je ~. i' 139 $83.23 Monthly commcncirq unti I 5/28/03 11/28/91 t 'Variable Rate: The ANNUAL PffiCENf1\GE RAn: disclosed above is a variable rate am may charge. The ANNUAL PrncrnrAGE RATE IIl/lY increase durirg the term of this transaction if the prime rate of interest announced in the Wall Street Journal as of the close of b.Jsiness on June 30 of each calemar year increases, am wi 11 be increased to the prime rate plus 1%. The lINNUlIL PERCWIAGE RATE wi II not increase more than once a year. and the new interest rate will become effective on July 1 followirg the increase, if any. in the prime rate of interest. Any increase will be in the form of higher payment amounts. If your cost of the Goods an:i Services sold hereurder were $...LQQ9..J)Q.. at 9.500 % per annum for .Jli.. months. am the prime rate plus 1% were increased to 10.500 %. your regular monthly payments would increase to $ 87.23 Further. the ANNUAL PERCElITAGE RAn: wi 11 not increase to more than 18% or such other rate as may be permitted un:ler the Pennsylvania Goods an:i Services Installment Sales Act, " "' Late Charge: If a payment is more than 15 days late, a sum equivalent to 5% of the late payment (OOt no more than $2,50 am not less than $1.00) may be charged. t I :-, Prepayment: fuyer may prepay the unpaid balance of the Amount Financed an:i any FINANCE QIARGE due through the date of early payment. in full or in part. without penalty. . , SEE SEcrION VI OF 1HE (),)l'ITRAcr BEWW FOR ANY ADDITIONAL INFORMATION AroUT N:)N-PAYMENT. DEFAULT AND RmUIRED REPAYMENT BEFORE 1HE SCHEIlULED DATE FOR REPAYMENf OF 1HE M-OJNl' FINANCED. : . III. ITEMIZATION OF AMOillIT FINANCED 1. Cash price of Goods am Services: $ 19,980.00 2. . Total down payment: 12,980.00 3. Unpaid balance of cash price (1 - 2): 7,000.00 4, Amount paid to others on fuyer' s behal f : 0 5. Amount Financed (3 + 4) : $ 7,000.00 ~ . z \.\___.,1 \~ ( (~ t1 :\ I ~ r. j, IV ("R!T'!T IW;\JRANCE ('ro:.(\Jt, l1f(' ImLu.,)n':..' (01- th': t''1-m c'i thIs Contl"j('t IS not requln~. V. ~-) WARfWrrr83 1tlERE lIRE no WM<lWrrIES. EITIml EXPRESSED OR IMPLIED. GIVEN BY SELLER IN CONNFl.l'ION wrm SALE OF mE GO:JDS AND SmVICl-13 (YNrr<F:O BY nns OOI'ITRACf UNLE.'SS BUYER HAS EID GIVEN 1\ SEPlIRATE WflITIDI WlIRRl\Npt. . . VI, ADDITIONAL PROVISIONS . \.. ., ." 1. &lyel" agrees to pay Seller the Total Sale Price by making the total down pIlyment /lnd paying Seller the Total of Payments In the number and amount of monthly pIlyments shown in the Payment Schedule, Payments are due on or berol-e the same date of each month as the first payment date, Payments must be made Lo First Wachovia. Inc, at the following address: ,. .~ .- First Wachovia. Inc. P.O. Box 70095 Olarlotte. NC 28272-0095 2. &lyer's legal rights include the right to pay all or part of the amounts due on this Contract in advance of their due dates. to obtain a refund or credit of unearned Finance Olarge whenever the amount is paid in full in advance. and (with 5<:1Iel"'S consent) to reinstate the Contract if &lyeI' timely Cl~es any default. 3. &lyeI' shall be deemed to have committed an "Event of Default" of the Contract upon the occurrence of any of the following: [ I' f' \ ,. , " (a) failure to make any payment on or before the date it is due. (b) failure to make a payment on any other Contract outstanding with Seller. (cl failure to perform any other provision of the Contract. (d) providirq Seller with false information or signatures. (e) death. incompetence. or conviction of any Buyer of crime involving fraud or diShonesty. (fl insolvency or bankruptcy of any Buyer. 4. Upon or after the occurrence of any Event of Default. Seller will provide fuyer with notice. by certified mail as required by law. addressed to Buyer's last known address as shown on Seller's records. adviSIng Buyer of the default and of &lyer's right to cure the default. The notice will provide the time. amount and performance necessary to cure the default. If &lyeI' does not cure the default as provided in the notice. Seller's rights shall include the right to declare all sums due on the Contract to be immediately due and peyable. The Buyer agrees to pey all attorney's fees and other reasonable collection costs and charges necessary for the collection of any amount not paid when due. 5. Waiver by Seller of any Event of Default shall not be binding upon Seller if 5<:ller should thereafter choose to exercise that or any other right or a similar Event of Default occurs later. All Seller's rights and remedies shall be cumulative, 5<:ller'5 exercise of one or more rights shall not cause Seller to lose any other rights. 6. This Contract is freely assignable by Seller. Buyer agrees that upon receiving notice of the assignment Buyer shall be obligated to the Assignee of this Contract, which Assignee shall have all of Seller's right and remedies. 3 LH" \2iJ!J . . \~,~1 c c- I. I I, ~, " I' ~ : 7. It any part of thIS Contl'act IS held to be illegal. vOId or unenforceable. that provision shall be deemed not to have been a part of this Contract. which shall otherwise remain fully effectIve. 8. lIPPLIClIBLE UlW: This Agreement. whenever called upon to be construed. shall be governed by the domestic inteITlal laws of the Commonweal th of Pennsyl vania except to the e>:tent supplemented. superseded or preempted by federal law. 9. CONSDrr m ,1URTSDTerION, VENUE AND SERVICE: The p.:u-ties to this Agreement consent am agree that all legal proceedings relating to the subject matter hereof shall be lIlOintained in the Court of COlIllDOn Pleas of Cumberlan:l County, Pennsylvania. or. if applicable. the United States District Court of the Middle District of Pennsylvania. ani all parties hereto consent ani agree that jurisdiction ani venue for such proceedings shall lie exclusively within said court, Service of process in any such proceeding may be made by cert Hied mai I. return receipt requested, directed to the respective party at the address set forth above. 10. This Contract shall be binding upon the parties hereto. their heirs. successors. assigns ani legal representatives. I ~. . r ,. 11. TIME IS OF 1HE ESSENCE OF TIllS commer. NOTICE: ANY HOWER OF TIllS roNSUMER CREDIT rommcr IS SUBJEcr m ALL CLAIMS AND DEFENSES WHICH TIlE DEBTOR COOUJ ASSERT AGAINST 1HE SEI.LER OF GCODS OR SERVICES OBTAINED PURS!JW[ HERErO OR WITIl 1HE PR0CEEI:6 HERIDF. IIDXlVERY HrnElJNDER BY TIlE DEBTOR SHAll. NOT EXCEED AMCXMrS PAID BY 1HE DEBTOR HERElJNDER. NOTICE TO BUYER: (1) 00 NOT SIGN TIllS AGREEMENr BEFORE YOU RE1ID IT OR IF IT COtofI'AINS ANY BLANK SPACE. (2) YOU ARE ENfITI.ED TO A ro.\PLErELY FILLED-IN COPY OF nus AGRIDlENI'. (3) UNDER TIlE LAW, YOU HAVE TIlE RIGHI' TO PAY OFF IN ADVANCE 1HE FUlL AM:JUNr DUE AND UNDER CERTAIN CONDITIONS m OBTAIN A PARTIAL REHJND OF 1HE FINANCE 0iARGE. COPY OF TIllS rommer AND INTEND(S) TO " ,) h t j , I , i I , . \ I AGREE m REPAY All.. AMOUNfS DUE ON TIllS LOAN IF TIlE BJRROWER(Sl!BUYER(S) FAIIB TO ~ 00 so IN ACCORDANCE WIlli TIlE IF OF 1HE NCJEj ;// 1-.... S11JDENr COSIGNER]X 1/ Jl/rr'(}/lrYl!... t)jfeL~ ~ i " / i BUYER(S) : " DA1E: DICKINSON COlllJ3E /0-3/-'71 ~e_ BY 4 . 'J '... q r. ~. ~'. -,. -. ;" DIO<INSJN O)U.El3E FU:XIBLE FltwlClOO SYSTEM - 2500 PLAN IDJCATION1IL GO::lOO AND 8rnVlCES RF.:I'AIL INST1IIlJm.IT (X)t(ffiAcr ~te April 16, 1992 I. Seller: Dickinson College. Carlisle. Pennsylvania 17013 Richard T. Corter B.!yer(s) : 1475 Washin9ton lane West Chester, PA 19382 If there is more than one fuyer, each of you will be obligated, jointly and severally, for all sums due and for the perfol'lllanCe of all agreements as provided in this Contract. Urder the terms of this Eliucational Goods and Services Retail Installment Contract. you have agreed to pay the expenses incun-ed. for goods and services to be provided and remered. as the case may be, to Cameron Corter (hereinafter "Stlrlent") durirg his/her enrollment at Dickinson College during the 1991-92 academic year, incllrling tuition. room and board. books and supplies as herein stated. (hereinafter the "Goods and Services"). The Goods and Services shall incllrle only tuition, room and board. II. TFRMS OF PAYMENr AND PAYMENr SOlIDJLE Disclosures Required. by Federal Law ANNuAL PmCENrAGE FINANCE 0iARGE: AM:YJNr FINANCED: TOTAL OF PAYMEm'S: TOTAL SALE RAlE: Dollar Amount Amount of credit Amount paid by PRICE: Cost of credit as credit will provided by fuyer as total of Total cost of yearly rate cost fuyer Dickinson College all scheduled. PKChase on payments credit. in- cluding down Prior to repay- payment of ment: 11.000 % $ 17,560.00 D.n-ing repay- ment: 11.000 % $ 2.078.09 $2.420.00 $ 4.498.09 $ 19, QRO 00 Rev 9/89 .. . ": F, (* . '. :Ji .. . 1)1:".'1 ':: r")YrtJ':'rl~ '~(,~1"..-1111,~' \.JIll r.:- t18 [(.ll(..w:3: t~.U1V:"lr ,:,t Paym~nt8 '\JV:' Iflt 'of p,'ym~nt.:.; Whp.n Payments aloe l\Je 25 $22.18 lD>)nthl y commencing 4/28/92 . aOO continuing unti I 4/28/94 or such time d3 Student i5 no longer enrolled at Dickinson (or in an approved full-time off-campus program of atudicsl. whichever is earlier. 72 $46.06 monthly commencing 5/28/94 or such time as Student is no longer enrolled at Dickinson (or In an approved full-time off-campus program of studies). whichever is earlier. :' :=;u=; :~F.)~rrc)N VI OF TIiE t)JNTRl\Cr BE1JJW FOR NN ADDITIONAL INFORMATION AOOUT OON-PAYMENr. DEFAULT ~.ND REl.:!UIRED RFPAYMFNr BEFDRE 1HE SL1iEDULED DATE FOR REPAYMEm' OF TIlE 1lI>OJNr l-'INANCrn. I.,le ch.~.rge: If a pujlll'mt is more than 15 d3ys latE,. a sum equivalent to 5% of the late payment (rut no more than $2.50 aOO not less than $1.00) moy be charged. F1-"'I.'~yment: fuyer may prepay the unpald oolance of the Amount Financed aOO any FINANCE C'HA/ll:."E due t hn:-ugh the date of ear I y payment. in fu liar in part. without. pen,;! ty. ~ II 1. ITEMIZATION OF A>>YJNT FINANCED 1.. f:ash pI-ice of Goc<1s aOO Services: $ 19,980.00 17,560.00 2,420.00 o 2.420.00 2. Tota I cbwn payment: 3. Unp.3id b3.lance of cash price (1 - 2): 4, ;,.mount paid to others. on a.lyer's behalf: 5, Amount Financed (3 + 4) : $ IV. CREDIT INSURANCE Credit life insurance for the term of this Contract is not required. V, NO WARRANTIES THERE ARE NO WARP.ANTIE::. EITIiER EXPRESSED OR IMPLIED. GIVEN BY SELLER IN CONNEr.ITON' WITH SALE (IF THE G(r)[)S AND SERVICES COVERED BY niIS COtorTRAcr UNLESS WYER HAS BEEJol GIVEN A SEPARATE WRITTEN WAF:F:ANTY, 2 . ADDITIONAL PROVISIONS 1. ElIyer agrees to P<JY Seller the Total s'31e Price by mukil"YJ th'! total down payment an:! paying Seller the Total of Payments in the number and amount of monthly payments shown in the Payment Schedule. Payments arc due on or before the same date ot each month as the first payment date. Payments must be ~ade to First Wachovia. Inc. at the following address: First Wachovia. Inc. P.O. Pox 70095 Charlotte. NC 28272-0095 2. &iyer's legal rights include the right to pay all or part of the amounts due on this Contract in advance of their due dates. to obtain a retun::1 or credit of unedmed Finance Charge whenever the amount is paid in full in advance, and (with Seller's consent) to reinstate the Contract if &iyer timely cures any default. 3. &iyer shall be deemed to have committed an "Event of Detault" of the Contract upon the occurrence of any of the following: (a) failure to make any payment on or before the date it is due, (b) failure to make a payment on any other Contract outstan:!ing with Seller, (c) failure to perform any other provision of the Contract, (d) providing Seller with false information or signatures. (e) death. incompetence, or conviction of any &iyer of crime involving fraud or dishonesty, (f) insolvency or bankruptcy of any &iyer. 4. Upon or after the occurrence of any Event of Default, Seller will provide Buyer with notice, by certified mail as reqUired by law, addressed to Buyer's last known address as shown on Seller's records, advising Buyer of the default and of Buyer's right to cure the default. The notice wi 11 provide the time, amount. and performance necessary to cure the default. If &iyer does not cure the default as provided in the notice, Seller's rights shall include the right to declare all sums due on the Contract to be immediately due and payable. The Buyer agrees to pay all attorney's fees and. other reasonable collection costs and charges necessary for the collection of any amount not paid when due. 5. Waiver by Seller of any event of default shall not be binding up::m Seller if Seller shOUld thereafter choose to exercise that or any other right or a similar Event of Default occurs later. All Seller's rights and remedies shall be cumulative. Seller's exercise of one or more rights shall not cause Seller to lose any other rights. 6. This Contract is freely assignable by Seller. Buyer agrees that upon receiving notice of the assignment Buyer shall be obligated to the AsSignee of this Contract, which Assignee shall have all of Seller's rights and remedies. 7. If any part of this Contract is held to be illegal. void or unenforceable, that provision shall be deemed not to have been a part of this Contract. which shall otherwise remain fully effective. 8. APPLICABLE LAW: This Agreement. whenever called upon to be construed, shall be governed by the domestic internal laws of the Commonwealth of Pennsylvania except to the extent supplemented, superseded or preempted by federal law. 3 4lI .'.". -.'. ". ..,~ 9. Q?NSEm' TO JURISDICfIONL- VEMlE AND SFRVlCE: Tho p.lrties to this Agreelllent c0ngent and agree that all legal procecdin;13 relating to the 5Ubject lIldtter hereof shall be maintained in the Court of Common Ple03 of OJmberland County, Pennsylvania. or, it' opplic.:...Jle. the United states District Court of the Middle District of Pennsylvania, and all parties hereto consent dI'd agree that jurisdiction and venue for such Proceedings shall lie exclusively within Sdid court. Service of proce~ in My such proceeding may be made by certified ,lIldil. return receipt requested. directed to the respective party at the address set forth above. 10, This Contract shall be birrling upon the parties hereto. their heirs. 5UCC=rs. assigns dI'd leg".! representatives. 11, TIME IS OF 1liE fl3SE}ICE OF nns OOmRACf. NOrICE: i\N'i OOll)m OF nns CONSUMER CREDIT OJNI1<ACf IS SUBJEcr TO AIL CLAIMs AND DFl'rn3Es WHICH 1llE DEBTOR CaJI.D ASSmr AGAINST 1liE SEr..Lm OF GOOOO OR SERVICES OlmINED roIlSUMn' HmEro OR wrrn 1liE PRClCE:En3 HEllIDF, REXXlVmY HEmlJNoER BY 1HE DEBTOR 9WL NOr ElCCEED AM:XJNrs PAID BY '!liE DEBTOR HEmlJNDm. NOrICE TO WYER: (1) 00 oor SIGN TIiIS AGREEMENr BEFoRE YOO READ IT OR IF IT OONTAINS AN'{ BlANK SPACE. (2) YOO ARE Em':m.m TO A cn.lPLE:!'ELY FIlLED-IN r::cr>Y OF TIiIS AGREDImr. (3) UNDER 1llE LAW. YOO HAVE 1liE RIGHI' TO PAY OFF IN l\DVANCE 1liE FUIL AJ.OMr OOE AND UNDm CERrAIN O)NJ)mONS TO OBTAIN A Pl\RITAL REfUND OF 1llE FINANCE 0iAAGE. OO'fER(S) ACOOiILED3E(S) REX:EIVING A BE LEl3AU.Y B:XJND I W'iER(S): ())py OF nns CONlRAcr AND INTIW(Sl TO I AGREE TO REPAY AIL AM:XJNrs DUE ON nus LOAN IF 1liE roRROWm(S)~(S) FAII.S TO 00 00 IN ACOORDANCE WI1H 1HE 1mMS OF SllJDmr COOIGNm / ~RANSCRIPT DENT'S RECORD WILL NOT BE RELEASED IF LOAN PAYMEN TO THE COLLEGE ARE IN ARREARS OR DEFAULT. DATE: DIOONOON COU..El3E "-f - il.,- 9t- BY ~~ 4 .. \ ( .- 1':AR - 8 mG3 . . ~ f"''' DIC~INSON COLLEGE FLEXIBLE FINANCING SYSTEM - PLAN B EDOCATIONAL GOODS AND SERVICES RETAIL INSTALLMENT CONTRACT Date February 19, 1993 I. sellers DickLnoon College, carliolo, ponnDylvania 17013-2896 Richard T. and Suzanne Corter 1475 Washington Lane West Chester, PA 19382 Buyar(a) . If there ia more than one Buyer, each of you will be obligated, jointly and .everally, for all Buma due and for the performance of all agreements as provided 1n this Contraet. Under the termB of this Educational Goods and Services Retail Installment contract. you have agreed to pay the expenses incurred for goode and services to be provided and rendered, as the caBe may be, to (hereinafter "Student") during his/her enrollment at D~ckinBon College ur~ng t e academic year, including tuition, room and board, books and supplies as herein (hereinafter the "Goods and Services"). The Goods and Services shall include only tuition, room and board. II. TERMS OF PAYMENT AND PAYMENT SCHEDULE Disclosures Required by Federal Law ANNUAL PERCENTAGE FINANCE CHARGE: AMOUNT FINANCED: TOTAL OF PAYMENTS: TOTAL SALE RATE. . Dollar amount Amount of credit Amount paid by PRICE: Cost of credit aa credit will provided by Buyer as total of Total coat of yearly rate cost Buyer Dickinson college all scheduled purchase on payments credit, in- cludinq down payment of S 17.760.00 7.50 $ 1,584.44 $ 3,600.00 5,184.44 21.360.00 \ $ $ Rev 2/92 .' , . . " Number of paymenta 124 -Variable Rate. Lo.te Cho.rge: (, ~ . .4 Buyor'o paymont Dchl.H.tulo ...111 bo AD !olloWDI r f ., I t I' , ,. Amount ot paY'.ent~---_\~~U~~;~~~I~; c:tn::::.enta 2~::/:~a until ~28/03 $41.81 Tha ANNUAL PERCENTAGE RATE discloasd above ia o. variable rate and may change. Tha ~INUAL PERCENTAGE RATE may increase during the term of this tro.nao.ction if the prime rate of interest announcad in the Wall street Journal &8 of the closs of buoinesB on June 30 of each calendar year increo.seo, and will be increased to the prime rate plus 1\. The ANNUAL PER~ENTAGE RATE will not increaee more than once A year, and the new interest rate will become effective on July 1 following the increase, if any, in the prime rata of interest. Any lncrea.8 will be in the form of higher payment amounts. If your cost of the Good. and Services sold hereunder were $ 3.6~0.00 at 7 50 \ per o.nnum for ~ months, and the prime rate p us 1\ were Increased to P.5g \. your regular monthly paymente would increase to $ Al 7~ . Furt er, the ANNUAL PERCENTAGE RATE will not increase to more t an 18\ or Buch other ro.te as may be permitted under the pennsylvania Goods and services Installment so.les Act. " fo'. ~ If a payment is more than 15 day. late, a .um equivalent to 5\ of the late payment (but no more than $2.50 and not le.. than $1.00) may be charged. Buyer may prepay the unpaid balance of the Amount Financed and any FINANCE CHARGE due through the date of early payment, in full or in part, without penalty. SEE SECTION VI OF THE CONTRACT BELOW FOR ANY ADDITIONAL INFORMATION ABOUT NON-PAYMENT, ANll REQUIRED REPAYMENT BEFORE THE SCHEDULED DATE FOR REPAYMENT OF THE AMOUNT FINANCED. Prepayment: III. ITEMIZATION OF AMOUNT FINANCED 1. 2. cash price of Goode and Services: $ 21.360.00 17.760.00 3,600.00 o 3,600.00 Total down payment: Unpaid balance of ca.h price (1 - 2): Amount paid to other. on Buyer'. behalf: Amount Financed (3 + 4): 3. 4. 5. $ .. , 1 f- .-.... (:lc J v. cr~~:o 1 T I U!ltJItAtlCE Crodit life loDurancf) tor ltll' torm of thin Contract is not required. 'J. 110 WARHAIlT I E5 THERE AIlE HO WARRAN'r1ES, EITm:H F.XI'H~:SSf:D OR IHPLIED, GIVEN BY SELLER IN CONNECTIOIf WITH SALE or TilE GOODS AIID SERVICES COVf:RED BY TillS COIlTIU\CT UIlI.ESS BUYER lIAS DEEN GIVEN A SEPARATE WRITTEN WARRANTY. VI. ADDITIONAl. PROVISIONS 1. Buy.r 4qr&.. to pay Soller tho Total Salo PrIco hy makInq the total down payment and paying Seller the Total ot Paymonts in the numbor and amount of monthly payments shown in the Paymont Schodule. Payments are duo on or before the Barna date of each month as tho tlrst payment date. Payments must bo made to rirat Wachovla, Inc. at the following AddrcDD: First Wachovia, Inc. P.O. Box 70095 Charlotte, NC 2B272-0095 2. Buyer's legal rights include the right to pay all or part of the amount. due on thiD Contract in advance of their due dateD, to obtain a refund or credit of unearned Finance Charge whenever the amount is paid in full in advance, and (with Seller's consent) to reinstate the Contract if Buyer timely cures any default. 3. Buyer shall be deemed to have committed an "Event of Dofault.. of the Contract upon the occurrence of any of the following: (a) failure to make any payment on or before the date it is due, (b) faIlure to make a payment on any other Contract outstanding with Seller, (c) failure to perform any other provision of the Contract, (d) providing Seller wIth false information Or sIqnatures, (e) death, incompetence, or conviction of any Buyer of crime involvinq fraud or dishonesty, (f) inBolvency or bankruptcy of any Buyer. 4. Upon or after the Occurrence of any Event of Default, Seller will provide Buyer with notice, by certified mail as required by law, addressed to Buyer's last known address as shown on Seller's records, adVIsing Buyer of the default and of Buyer's riqht to cure the default. The notIcs will provide the time, amount and performance necessary to Cure the default. If Buyer does not cure the default as provIded in the notice, Seller's riqhts shall include the rIqht to declare all Buma due on the Contract to be immediately due and payable. The Buyer Agree. ta pay all attorney's fees and other reasonable collection costs and charge a necesaary for the collection of any &nount not paid when due. 5. WaIver by Seller of any Event of Default shall not be bindIng upon Seller if Seller should thereafter chooBe to exercise that or any other right or a similar Event of Default occurs later. All Seller's rights and remedies shall be cumulative. Seller's exercise of one or more rights shall not cause Seller to loso any other rights. 6. This Contract io freely assIgnable by Seller. Buyer agrees that upon receivin~ notIce of the assIgnment Buyer shall be obligated to the Assignee of this Contract, which AssIgnee shall have all of Seller's right and remedies. 7. If any part of this Contract Is held to be illegal, void or unenforceable, that provision ahall be deemed not to have been a part of this Contract, which shalL otherwise remain fully effective. 8. APPLICABLE LAW: This Agreement, whenever called upon to be construed, shall be governed by the domestic internal laws of the Commonwealth of Pennsylvania excepc to the extent Bupplemented, Buperseded or preempted by federal law. i ~. r i ( ,[ ~ '\ ! i 3 .' .# . .' f (- ............ 9. CONSENT TO JURISDICTIOtl~lnl~A!!~~~: Tho partloo to thio Agreement consent and agroo that all lQ~ftl procoodingo relating to tho Bubjoct matter hereof Ihall be maintained in tho Court of Common PleaD ot Cumberland County, Pennoylvania, or, it applicable, tho Unitod Statos District Court ot the Hiddl. District of Pennuylvanla, and all parties hereto consent and agree that juriodiction and venue for .uch procoodingo ohall lio oxclu.ively within .aid court. Sorvice of proceeD in any Buch procoeding may be made by certified mail, return receipt requootod, directed to the respective party At tho addro.. ..t forth above. 10. ThlD Contract ahall bo binding upon the parties hereto, their heira, Bucceaaora, 4D81gn8 and 109&1 roprooentativoo. 11. TIME IS OF THE ESSEtlCE OF THIS CONTRACT. NOTICE, ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL C"AIHS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF CODDS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. NOTICE TO BUYER. (1) DO NOT SIGN THIS AGREEMENT BEFORE YOU READ IT OR IF IT CONTAINS ANY BLANK SPACE. (2) YOU ARE ENTITLED TO A COMPLETELY FILLED-IN COPY OF THIS AGREEMENT. (3) UNDER THE LAW, YOU HAVE THE RIGHT TO PAY OFF IN ADVANCE THE FULL AMOUNT DUE AND UNDER CERTAIN CONDITIONS TO OBTAIN A PARTIAL REFUND OF THE FINANCE CHARGE. BUYER(S) ACKNOWLEDGE ( TO BE LEGALLY BOUND Y BUYER(S) : THIS CONTRACT AND INTEND(S) I AGREE TO REPAY ALL AMOUNTS DUE ON THIS LOAN IF THE BORROWER(S)jBUYER(S) FAILS TO DO SO IN ACCORDANCE WITH THE TERMS OF 1HE NOTE, STUDENT COSIGNER dl1'ilP.~ t/f. f!Jrr::Iv,.,- ../ TRlUlSCRIP:r ;:;;;, S=EH'r' S RECORD WILL NOT BI!: RELEASED IF LOAN PAYMENTS TO :rUE COLLEGE ARE IN l\RREARS OR DI!:FAUL:r. DATE: DICKINSON COLLEGE '2 - ( ~- '1;:' BY ~:J $1--- --.. ;"J (C, \::J ~ <, ~ ~' f -f; t r ~ ,I. , r >- 1'''-- .... "t----. "- '~~~ .......'..:-: stJ. ~~ t~~ .~Y-.. . U\ t~-~:<~}J ~. I. .i"~ .: - 4 f:: ..~'~ ,.:~ -r~ ~ ..~ !I l I ., _ ...-'___-_ , .- -~ . MDW&O '......... ., , II'.J, II { '~I' .11 1'1' "I \ "'~~~t.";,;;,:;":,,,,, .....,..._., I lI<'KI:\So:\ ("()( I H;J.. I'billtlll I' 1111 (.01)(1 ()I (.o\l\I()\ 1'1 I.,\S m (.{\lIIII<1 ..\'11 COL.' I Y. I'I..:\:\SYI \.,\:\1'\ 'I, 'is.'o! .1S (1\11\( II( ):\-1..\ \\' RI( 'II.,\IWI. (.( ll<TI:R. (,,\\II:I{():\ ('ORlI:R alld S{ ';A:\:\I: (,ORTER. Ikli:ndallts .Il'RY 1l<I,.\L OJ. T\\TL\.I' DE:\IANDI'D !'1t~I.::JJI'F YlIU "re hereby direeled tll reinslate the ClIlllpl:linl ill the aho\"e-rercreneed Illatte,. III be ser\"ed UpOll I<iehard T. ('orter. 1(,(,(, \\\'st Doc I<un Ro"d. Keuuett Square. PAl 'JJ.j8-1558 and Cameron S. ('oner. (,1 J Painler Street. \lcdia. P"\ 1 ')O(d. PIc"se I()rward the reinstated COlllplaints lolhe Sheriff 1l1r sen.iee. Dale: March 20. 20m Attorneys lor Plaintiff ""'""-'-""- '_"~".'._._.~'O_'_._ :m:::rzc!:=~:;:r;;":':s~:'C',;;';'.J:::'~V--::':";~~:2::';;:~;:"-~;':;:::.r...--;,....:..:->;;' ,. _.~".........~..,. ' .. ._,.....- C-''''',~~~,'-:;-~.--~ '.-,"cr;..- ,..: ~:.7':"';\"";~~'~":i.;.";'" '.::.::.""~~~~:;:'" I , , , , I I .1 , r r' f-' ,'.' ~ I h , . i'- , I I " 11111,"\1\111111",,,,,,1,,:',,,,"',1 1>..,,,,,1 ,,1.1''''''''''''111 " I' I,..' ...,"\\1 _, ,I ". .'\\! IJlCKI\:SO\: (.oIIH il'. Plaintiff I\: I III COI.R I ()I C( )\1\1<):\ I'II:\S 01 (.I.\"IIRlq\~'1) (.()\ ':\ IY.I'I::\:\SYlV:\:\I:\ \. ~.,( I 'IX.(,1,1X (.(\'11.\(.1111:\.1.\\\ J{f( '11,\lWI. (.OR ILle C,\\IU{():\ COR II.I{ ,,"d Sll/..\:\:\I. CORTIR. I krcnd"nts WRY I RI.\I <lI- T\\'I-.IVI- DHvli\t\J1l1-1l J~\E<JJ.'.E TO IIIL PROTlIO:\OL\R Y OJ, CI )\IIII:RI:\:\1l C( JI ):\1 Y: Kindly \\ilhdnl\\ lhe "ppearanee of \1e:\1-1.:S \\':\IIACI- 8: NIJRICK IIC on behalf of Plaintiff Dickinson College in the above mailer. \kNITS. ~\'AILMT 8: NIIRICK i , /:' Ih (i ,( /: i' '. ... ,-=+_.../ L: -(I~;;.i-::~T\\;~,~g: ~i;:.i:~4t;ir~: ' ------ i\llorney LD. No. XO!iXO / 100 Pine Street . P.o. Ilox 11M, Ilarrisburg. I' A 171 OX-1166 (717) ~37-5}97 Enter lhe "rre"r""ee "I' !):p:id J{. (;:1I1,,,,,,y "''l"i,'i' or Mi\RTSON DEARDORFF WILLIAMS & OTTO on behalr or Plaintifr Dickinson College in the abllve mailer. M lAMS & OTTO Dale: April I, 2003 By _ David R. (;allo\\'aO'. !-:sqt . .. LD. No. X7326 Ten Eastlligh Street Carlisle. 1';\ 1701} (717) ~4:1-}}41 Attorneys Illr Plaintiff (EH'IIFI( '.\IF OFSEH\HF I. ('hrislilla:--;. Yosl. all aulh"ri/l'd a,~l'lll "r \1a'h'Hllle',,,I,,,rr \\'JlII.III"""'" Otto. hl'rl'hy n:rtil\ tll;ll a copy of till' forL'goill~ Pracl'lIk' \\;IS SlT\l'd thIs ddh..' h~' lkposilll1.~~ sallle illlhc Post Onit'L' OIl ('"disk', P:\, lirsl ....ldSS mall, IhISI;I!:;\.' prl'l);lId. .hhl1....,....,.:d;h 1\1110\\ ',. (,harlcs .,. Youug. Jr.. !:squirl' \kNEES. \\',\1.1.:\( 'E ....... :--;1 'Rll.1( 1IJIII'ille Street lIarrishurg, 1':\ 171I1S-llC,(, \I:\RTSO;,\ DE:\IWORFF \\'II.Ll:\\1S & OTTO ) By ___1_ I . Christina N. Yost Tell Eastlligh Street Carlislc. I'A 1701J (717)2.013-3341 Dated: April 1. 20m . . , \. :~. ~ ~ ,., r V , ' . I:. I : ( . , i . I i , """ II. T" ,.. III ..., '. ...., '.~ " " _ MDW&O t"'''''I''''~ '. ' ' . , 1'1 ~ I.~, till' " \ I "" ( :"11.11'11 , I', '. '.', \ ,~',' : ill \ f ~., ", Ill( .KI'.~( I\' (.( 1111 (". 1'1.,"'1111 1'1111 ("(l\.ln OI.("o\l\IO\'I'II..\SOI. (I '\lllll{I\\'!) (.( l\.' I '1', I'I\,\,SYI \.,\"1'-\ '\() lJS (II ~s ( '1\ II . \ ( . I I C ) \, I ..\ \\. IW .11\1(1 I I. (.( )I( II R. ('\\ILR()\' (.()RIII{ ,,,,,I SI./.\\,\,!' (.OR 11.le I kknd'"lts .111('1' II(L\L 01. IWI.I VI; 1II'\IY,I>I;1l I'IUFClI'F Plcasl' rl.illstatL' tile ;ttlaL'iH.:d ( 'ulllpl:1I1l110 ill' sl'rvl'd upon (':tllll'ron S, ('ortl'r, I ()(lh \Vest Doe R"ll Ro,,,!, KClIllCl1 SqU;JrL'. l':\ J ')3-IS- J 55S. l'k,\sc rcturn the rcinsl;Jted Complainllo Ihc below signed for ser\'in,', ~i!\RTSO\' D~:AR!.lORFI~VJL.L MS & OTTO (' \ ( "Y\ '\ . / llY-~ "'----' ~ ------~~~~-~. ~ -.-- . Da,id R. lialloway. Esquire L D. Number 87326 Ten East Iligh Street Carlisle. PA 170 I 3 (717) 243-3341 Date: April 2e). 2003 Attorneys I(lr Plaintiff .- "X~~;,'~;.;;;~ ~ \ . ,. , I .1 ,. -i .~ . ,. I.. ~, / , I I I ( I \ ,i, ;:;II!';;. : j:j:':: ;.' :.;':': qi:: ',')t:T':' ('r\::;E t')\.): ! './'.' Ii'.' '/1 I \:u:'1;'~(J:n'n-:,\;.':'!; "" t ;',i.:.. ,,' , .. ., ,~,.,." , '\ ,'~ , 1 , i' .. : ~.:; " 1 ,I' , . f\. . ' 1))('(:::::; .' ..... ':. \/: : COPTl':I,: !< r ('!lAId: T :c.,. (,;. J~. Tjl'dl1,I~~ r:llll" , , '..: ! ~ ' L'.'lll'l :' ./ ' :,' : ~ : t .:," duly t:;'....OUl dC'COI.-cliwJ !. ';, t' : ~: I j,. ,i~ l :'J'-'::!" ;:'-',_.l'clt and ,j'::, I"~ . and inquit-y fot" the 'd:l i:l;~ :: i:::;'.: ......". .."". ",,;';',"',.'/\.;., ''':.1'' : CORTER CA;~ERON S but was unable: to locdt '.' HIm ':'1: :11 :_; J) Ii: :'..li('k. ! if, L ill:. !"(:' L ()u:. deputized tile sileriff 0~ r}Er.A~l^;~~~ -<i:;: '/, ;':"":-1:1:;y,1\'.:nl:d, t<) serve the within COr~PLAI";T i; rijI':::!C On Aoril 17tL :200] thi:-:.~ O::[,l:~I' ...:,.i:_; II !.""'C(~:liJt---;_:)"f-----tlll::: - attached returrl frol11 DELAWARE Sheriff's Costs: Docketing Out of County Surcharge Dep Delaware Co So answ(----:rsJ---~ -.-- ~ . ,--- '-~ ~:::- /~/ r~ R/ Thomds Kline Sheri ff of Curnbc.....!:land County 6.00 9.00 10.00 30.05 .00 55.05 04/17/2003 MD\'l&O S",orn and subscribed to before me c.~ d&V3 this day of lill A.D. ~ q-UI" f.; )J1d/'~Jf' / I Prothonotary :1:1, II," .. ...1 ..\ I". 'i :,\;. ,\ : I,:. ';':.' ::1'1;: L j 111" I.' '., ,i:l:'': ,':":';1:: ("",1'1,:: I . I',':, :' I:, I , II :' j : 1:, ! ~,l : ! '': :') ! )1" '," L.r: 1:1";'''1 fl,.. ('{)J:'l'i':!; ),' J' 'HAl.:!; bllt '..:,1:; Ulklbl" t(J 1f)(\il" !1:111 " '~, : l ': ' . d'-'l'lJ~~..! ::~'d the:' :3lji'] L L: , 'n ,-Or i i'.~~ '1' i..' i< "(:1; 1, ~;('I""j' t~h(-' \','lthin COr-1JJLAlNT ,\ :-J.:r;'!('j.: (J:l !~E!_ ~ '/: II ;: I,! ~: ': L,. , ~ 11 ',' c1tt,~u::hf~cl return 1.1.'0[11 r:llI~STEI\ Sh(:L'l f f' s Costs: Docketing Out of County Surcharge Dep Chester County [S.Il(j 0.00 1ll,Oll '18.9"1 .00 8S,97 - 04/17/2003 MDVI&O :--; . ( J 1 : j '..:. .! ;~ ;..--" 60i~:~;;:;-r~~..- ;;l!(,]'j ff clf ('umb,~. 1,~llld 1_'ul;nLy Sworn and subscribed to before me this day of 'J1t"r--__ :; I>V,1 A . D . "-- IlL< ~OIlL<;4.,d_C-"4'___ / Y Prothonotary r~. ~E: III The Court of ('OIlJIlJOIl Picas of Cumherland ('oUllly. Pellllsylvania f) i('k I rl:;1 Hi ('/ll I, '/1" \'S. I~idldld '~. ('!)f'l'f 1'1 .II SI':INE: Hidl.II(J T. ('(It tl'l 1':11. fJH-h I Hl (' J'.' j I --------- !\ow. r~,l/dl .'1, IO()! . I. SllLld FF f II. CII:>'I/l1 RI :\~I) l.()( I:\TY, 1':\, do h.:reby deputize the Sheriff of Chl'~; tc'r COllnty III e.\eulle Ihis \Vril. this deputation heing made at Ihe request and risk of the I'lainti If , ....~ -:'.' "~'L/."" -1" .....~.1:.;;?:..... / , -, , / -.' /,' ."," ", _.~. '-...:- -.._-_.__._-------~--,_._----~-- Shaiff{lfC~Hllh~rbJld ('ounty. PA Affidavit of Service Now, "J/)fR. ,100.J__ at ~_ (1'c!oek_L M. served the within --1'1lC/-/I7I2.~ CQfl7/~/) upon f?/C/iI)I2/} ('OIl-T/:j) at 161: ~ "veST Oc>/~ flu", fl/)/j.V by handing to f7J ljj..t?/7~ ('..tU2//3J. a Tilth" . copy oflhe original W/7IT and rnade known to lU UIf)i7tJ CtJ /11/:3 I? the contents thWf. So answers~ )- /ft ;7 /lO y(} (!/7 /- -V/..:/l County. PA 1f77/~~~/;:':;': }',{/~(.7 _'-;-',1,);"1." /-'/i' ;J -).J) /IT ):/i'/, 7 y/ jv'</J. / . Sheriff of Sworn and subscribed before me this -3- day of 0 JJ..UJ , 10 ~ I COSTS SERVICE !vIlLEAGE AFFlDA VIT $ m~l. c:r:I\L rATTY A, 80'(1) """"1,' Ptlbfic WC~I Ch~~t~r Bn'l1. rh'*" CDunly My Comml~"lon E."jl'< Nov. 24,2003 ------ 5; ..( 11'l ) ,':..1 '." ' \ , HAt-Ic'.,!v ....... , .J,(,,, " JC.'.'.. .~ ,( ( o{ \C!lIl/f.(' IJ 'Z . 11/10 "~~ t. ~ .~.: '.'I"\/~"{~' ',': ......~ :.\ -,.). ".;.. . ,; >~ :~. ~?":""':...f; I \ \\\\' ( co,; ~ " n Ti-iOI.U..S ~;vr~E .sh~.:~ ."J ,.4 HUN~n A 11I'.:)-: ;<,":):~ c~,(!rD'_';':'~i' E:)'::M~U L SCH:::mrm Sa!l~I![Jr OFFICE OF THE SHERIFF JODY 5 ::M.1H Real E~lillft D"PlJly One C~ui1h:Ju:;c S;lU,H0 C;ITllsle, Pennsylvania 17013 ;,/'11 1(. /) _) (_' . I ' L-iLI S[l6 I YVJJJ TO: lion. Chilli K"llf"'Y Delm..'iJre COlin! y ~hl>rjJ J /1 ~ rr t) i I. . . {It Jlcklnson College VS H.ichard T. Corter et al 98-6138 civil RE: Dear Sir: Enclosed please find Notice and Canplaint, reinstated to be served upon Cameron S. Corter 613 Painter Street Media. P^ 19063 in your County. y\ <(;163 Kindly make service thereof and send us your return of service. Enclosed is the advance payment which you requested. '1,,- 'P'" F~''1IJ'JA~S f1,~!/.{) '",()(~ C'~U'( ~'rr ".f J~,'" ,17.).rs( Very truly yours, .-P~O./-::""_d /L..", '1 .r.;~",.w_-~'-'l ,-l-":'--r_. R Thomas Kline. Sheriff Cumhcrland Coun;y, Pennsylvania c;~~(lei' -Enclosures: ~ to and 8Ubsr:J~~~. ~~ me / If!Is0;.iLday O'~$J3, ~tt10-lL& ,-jiJJ L~ (L- ~JOT :',Ri;'l. SE:.L y,!~ n-H.Et=N [ ~..kCUEI't ~.!J:;uy Puhllc. ','t:\Ll At.f:i O~;i.lo\,Hll Coullly f'~J' (>-Jr~lIl11"'<,I,)(' [- ~l;lrl'~, :\pfll ~ 2UO+i ) ( (', ()If ,5()O')Pt I 1STI'I> 111'.111.: 111..V,\ll I:.SIE 1)()("II~ll:.NI(I ,\ SII ,\I\ClI>ACi() IM~lI:llIi\Ti\MENTE. SI IISTEI> N() TIENL IIN ,\lllHi,\I)() (I NO 1'111:111' (','\li,\llLE i\ IINCl, I Li\ME II Vi\Yi\ A Li\ SIC;! III:NlI, (lI:ll 'INi\ 1'i\llA ,\ VI:IU( il 1i\1{ 1)( )NIIL 1'111.1>1' 1:.NC.c ,Nllli\1{ ASISTI.NC .1i\'IHiAI.. ('ollrt Atlmillhfrutor ('lIl11lu'r/1ll1t1 COll1lly ('ollrlllOlI.\'(' ()/U. ('ollrlllOlI.\'(' Sf/IIUn', 4111 Floor Cirrli.'-!.-,I'A 1711!J li'/I'I'I/(/(/(': (717) 2411-621111 ~ . MeNEES. WALLACE & NlJlUCK IlY(\ .~~-=-- --fl;ePhenson Matthes Allorney LD. No.67408 100 Pine Street 1'. O. Box 1166 Harrishurg, I'i\ 17108-1166 (717) 232-8000 Attorneys for Plaintiff Dickinson College I)WI\I~S(IN COLl.HiE. 1'lain!;11 IN IJlE(.(lIll(IIlF(.O~lMIlN I'U;.AS . I .11\lllIIU,\~ I 1("( "IN"I Y, I'I;NNSY I ,VANIA \'. ('I\'ILAI'II(I~.LAW RICIIARD!". CORTER, SlIZANNE ('ORlER and (,AMFI((JN S (,ORT!'I(, Ikfendallls Nil /J (, I : J (' (( -f ( )., I ,~-- C()~II~I,c\1liI I. PlainlifT Dickinson Collcgl' ("I )ic~il\sol1") is a ))cllllsylvania educational institution with its principal offices located in Car1isle.l.nl1\berland ('ounty. I'ennsylvania 1701J. 2. Defendant Richard 'Ll'mler ("Parent") is an adult individual whose last known address is 1475 Washington Lane, West Chester. Chester County,l'ennsylvania 1~]82. 3. Defendant Suzanne Corter ("Parent") is an adult individual whose last known address is 204 Mcadow Court, Glen Mills, Delaware County. Pennsylvania 19342. 4. Dcfendant Cameron S. Corter ("Student") is an adult individual whose last known address is 1475 Washington Lane. West Chester, Chester County, Pennsylvania 19382. COUNTl IJICKINSON COLLEGE V. RICIIARIJ T. CORTER AND SUZANNE CORTER BREACH OF CONTRACT 5. Paragraphs I through 4 arc incorporated herein by reference as if set forth in full below. 6. On or about September 24, 1990, Parents entered into an Educational Goods and Services Rctaillnstalll11cllt Contract ("First Contral.:t") for expenses incurred for goods and services to he providcd and rendered to their son Cameron S. Corter by Dickinson during the 1990-91 aeademic year. A true and correct copy of the contract is incorporat<..:d by referencc and attached as Exhibit "A", 7. On or ahout October 31, 1991, Parcnts entered into an Educational Goods and Services Relail/''''allnll'II1 (.olll"'d ("SI'Colld I ''''111.'' 1", I", "'Pl"hl" """"l'd I"r '~""",, ,",,1 Sl'rvicl" 10 he pr"vided a/lll relldnc" I" 'hl'ir"", (.'''"el'''' S (."lIn hI I li,.k,,,,,,,,, """"!'. II", I'I'JI'I.' ,ll',,,Ie,"ie year. A Irlle alld concel copy of II Ie C"'lIr"cI" 1II'",I''''''Il''' hy Id'."'/IIC ..lid a"ad,ed '" E,hihil "II". 8. (III or "hlllll "prill(,. 1'J')2. P..rell" l'IIll,,,'d illl".." hlllcal",",,, C j""d, "lid Services Relaillllsl"lImelll Contracl ("Third ('''''',ad'') h'r 1"PCII'c, illl'III"'" Ii" g"",b """ services 10 he providcd alld re"dered 10 Iheir SOli (',""eron S. I"" "'1 hy I Jiekillsnll d"rillg Ihc I 'I'J 1.112 academic ycar. ^ true and eorrecl copy Oflhe eOlllraet is illw'l'ora'ed hy rcii:rellcl' and allached as Exhihit "C". 9. Oil orahlml FehnJ;(ry 19, 199). Pafellls clllered illto all I'dllc"tiollal (;,,,,,/s alld Services Rctaillllstallmellt Contrael ("Follrlh COIII,acl") /l" expellses illcllrred for goods alld serviees to be provided and rcndcrcd to Iheir son Cameron S. COrler hy Diekioson dllring the 1992-93 academic year. A true and correct copy of the contract is illcofporatcd hy reli:rellce and allached as Exhibit "D". 10. Under thc terms of the First Contract. Parents. as "Buycr" agrced to pay Dickinson Seven Thousand Dollars ($7,000.00) wilh interest at the initial rate of ten point eighl one two pereent (10.812%) per annllm, in onc hundrcd liliy two (152\ eqllalmonthly installments of Eighty Four Dollars and Sevcnty-Five Cel1ls ($84.75) commencing on (Jcloher 28. 1990 and ending on May 28.2003. 1,. Under the tcrllls of the Second Contract. Parcnls. as "BUyer" agrced 10 pay Dickinson Seven Thousand Dollars ($7.000.00) wilh interesl at the initial rate ofninc point live perccnt (95%) per annum, in onc hundred thirty nine (139) equal monthly installments of Eighty Three Dollars and Twenty- Thrce Cents ($83.23) commencing on November 28. 1991 and ending May 28,200]. 12. Under Ihe terms oflhe Third Contract,l'arents. as "Buyer" agreed to pay Dickinson Two I hO""",d h,", 1I1111d'cd IlIcIII)' Dollars (~2,'I'~'UlI)J lIilh ,"""".,, allhc jllillal rdle o'eI", ('II 1"'rCl"" 111.0%) per '1111111I", "'tll('lIt)' live (25) (''111'1111101111'')' i''''allllll'lIh O'Tllelll)' Tllo I 1,,11," s alld I.:ighleell C 'ellh ($22.IX) COIIIIII('lIeillg Oil Apri/28, 11)'}2 all" elldillg 011 April 2X. 11}1).I, alld "en'lIly 1110 (72) ellual 1II1""hl)' illslalllllellh 0' I:orly Si\ Dollars alld Si\ (.ellts ($-/(0.1)(,) "Ollllllelleillg 1111 May 2X. II),!,!. 13. IllIiler Ihe tenlls or the FOllrth ('oll'racl. "mcllls, as "Illlyer" agrced to 1''1)' Diekinsoll Three TI",,,,,",,, Si\ IIIIlIdred Dollars ($3.I1I)IUJI)) lIilh ill'('res' at the illi'ial rale or seven poilll tivc pereellt (7.5'%) per '111111111I. ill one hllndred IlIen'y Ii,"r (124) equallllon'h/y inst'i1ll11ellts or Forty Olle Dollars and Eighty-One Cents ($'II.X I) eommencillg on Fehruary 28. 19'!) alld ending Oil May 2X, 20(J3. /4. Seetioll/l of , he COlltrael(s) provides tha' "Ira paymenl is more 'han 15 da)'s lale, a sum equivalellllo 5% of the late paymellt (but no more """1 $2.50 alld 1101 less thall $UJO) Illay be charged:' 15. Seelion VI. Paragraph 3(a) oflhe Contraet(s) provides Ihal "Buyer shall bc dcemed 10 have committed all 'Event ofDef.1ult' of the Contracts "pOll the occurrence of allY orthe fOllOWing; (a) failure to make any payment on or before the date it is due,..." 16. Seclioll VI, Paragraph 4 of the Contract(s) provides thai ifan Evellt orIJcJ;1lI1i orlllC eontraet oecurs, and is not cured hy the Buyer pursuant to Ihe Notice of Defauli. Dickinson has "the right 10 deel<lre all slllns due on the eonlraet to be immedialely due and payable:' 17. Parents defilUlied on the Contract(s) by 'iIiling to makc the required monthly payments on Ihe Conlraet(s) due and owing to Dickinson since August 22, 1994 on the first and fourth Contracts May 4. 1995 on Ihe second and third Contraels. 18. Notices Were forwarded to Parents inlill'/ning them of their default alld righl to eUre sueh default r ,'I' 1'1. Pilll'lIh 11,1\ l' 1.1Ikd III \ llll' '.Ill'll ,kLl1l1l~. . .!O . , J hL',L'lllll' I )Il klll"oI11llt,h l'\l'll"I',l'd ih fighll\l dl'\,:LIIL' all ...III1IS dill' 011 1 1 H.' ('ollllill'l('i) 10 h~ illlllH't1iall'ly dill' alltl P;I\ilhll- ( I 21. The lolal allllllJIII \\hidl hao.; hl'('lllllC illllllcdiatL'ly dtle and payahlc to Dickinson hy P:lrcnls pursuant 10 the ('olllr;ICI(..) i... h\t'llly I:our ")"hlltls:Jnd Nine: Iltllldrl'd Forty~Follr I )ollar... and :'l Sixteen ('l.:lIls ($2.1.9.1,1.1 (I), \\hidl illl.'llhll's prilll.:'ipal ill the: alllollnt Ill' Eighteen Thousand Six Ilundrcd Eighty-One Dollar< anti Eighly.Six (.enls ($1 X.6X I.X6). interest in the anHllInt of Five Thollsand Nine Iluntlretl Five Dollars anti Sevenly-Six ('ents ($5.905.76), late fees in the alllount of Three II1Indred Filly-Six Dollars and Filiy-Fonr (.enls ($156.5.1). plus reasonable allorney's Ices and eolleelion costs. WHEREFORE. I'lainliff Dickinson College demands judgment against Parents Richard T. Corter and Suzanne Corter in the slim of Twenty Four Thollsand Nine Hundred Forty-Four Dollars and Sixteen Cents ($24.944.16), pills interest from September 14, 1998 al the rale indicated in the individual Contraet(s), late fces, costs of suil. allorneys' fees and eolleetion costs. COUNT II DICKINSON COLLEGE V, CAMERON S. CORTER \lI~EAC" OF CONTRACT ~ I 22. I'arngraphs 1 Ihrough 21 arc incorporated herein by reference as if set forlh in full. 23. On or about Septemher 24. 1990, Cameron S. Corter execuled the First Contract as a co- signer. thereby agreeing to repay all amounts due on the loan if Parents defaulted in accordance with the terms of the Contract. See Exhibit A. 24. On O[ about Octol)(;r J I, 11)91, Cameron S. Corter executed the Second Contract as a CQ- .L signer. thcrchy agreeing III repay all :111I011111\ dill' Oil lht' 10;\11 1I1';\ll'lIl'. dl'lillJ/h:d ill ;u:cordaIlL'l' wilh the ~' !. :l . I ( i terms or thl' ('olllr;u.:l. Sl'e F.\hihil H. 25. ()/I or ahout ^pril I (I. 11)1)2. ('t1111l'rllll S. {\llll'l" L'\l'Cllrcd lhe Third ('oulnll.:l as a co-signer, therehy agreeing to repay all amounls dill' {llllhc 10:111 if Parcnts dt'!;IlJltcd in accordance with the terms oflhe ('ontracL See I.:xhihil ('. 26. ()II Of ahout Fehruary [(). Il)ln, ('alllcroll S. ('tlrler C.\l'ClItcd rhe Fourth ('olJlracl as a '. ,I I co-signer. thereby agreeing to repay all alll(lIlnts due on the loan if Parents defi'll/hed in accordance with . the terms of the ConlracL See Exhihil /). 27. Cameron S. Corler signed the COlllract(s) as "Student Cosigner" and in doing so agreed to "repay all amounts due on this loan if the 1l0rrOlver(s)/Iluyer(s) t:,illo do so in accordance with the ~ lerms of the Note". r ~ .' 28. Because Parents have failed to make paymel1ls due causing the Contract(s) to he in default, Cameron S. Corter is obligated to repay all amollnts due tinder these Contracts. I; 29. Dickinson has demanded payment of the ohligatilHlS owed to it by Cameron S. Corter under the above Contracts. 30. Cameron S. Corler has failed 10 make such paymenL 31. The lotal amount whieh has become immediately due an payable to Dickinson by Cameron S. Corter pursuant to the Conlrnets as of Septembcr 14, 1998. is Twenty Four Thousand Nine , \ ~ Hundred Farly-Four Dollars and Sixteen Cenls ($24.944.1(,). which includes principal in the amount of Eighteen Thousand Six Hundred Eight-One Dollars and Eighty-Six Cents ($18,681.8(,). inlerest in the amount of Five Thousand Nine Hundred Five Dollars and Seventy-Six Cents ($5.905.76), late fees in the , I I I I H r. -. . . amollnt of Thn.:e 1IIIIIdred I:iliy-Si.\ 1>1 dLII', ;1I1d I. Jlly.hlllr (\.'lIls ($J)().i.l), pills 1t..';lsollahlL' i1lltlrrlt...y.... Ic.'c... and !.:(lllcclillll I:o'oh. ',v'IIEJ{I~H )j{i:. Plaintilt J)jl"~IIl"OIl ('ollq.-:c dC:lllands judgmclll against Stlldenl <- 'i1l1leron S. Corter in the SIIIIl of Twenty ,,"our lholl....al1d Ninc I hllHlrcll Forty-Four Dollars and Sixtcen ('cnls ($24.944.16). pills interest from Scpll'llIher 1-\. IllllS at the rate indicated "nlhe individual ('ontraet(s). late fees, costs of suit. altofllcys' Je!..'s and t.:nllct.:lilllll.:llsls. COUNT III IHCKINSON COI.LI-:W,: V. CAMERON S. CORTER IN OUANTUM MERUIT In the alternative, irthis lIon"rahle COllrt should determine Ihat an express contraet belween Dickinson and Cameron S. Corter dOl'S 110t exisl, \\ihich is denied. Dickinson pleads the following Court In Duantllm Jvferllit. 32. Paragraphs 1 through 31 arc ineorporated herein by reference as irset forth in filiI. 33. Ilavillg requesled Dickinson 10 loan money. and doing so to the henefit of Cameron S. Corter, became liable lo Dickinson for said money. 34. Cameron S. Corter has heen IInjllstly enriehed by aeeepting said money wilhout paying Dickinson reasonable compensation therefor. 35. The total amollnt by which Cameron S. Corter has beeome enriched 011 aeeount of the money loaned is Twenly Four Thousand Nine Ilundred Forty-Follr Dollars and Sixteen Cents ($24.944.16). 36. Dickinson has demanded payment ofthc above surns bllt Cameron S. Corter has failed VI..HII-Il_./\U()N Slll~jl'i.:( III the flL'lIallil'S of I X 1';1. (',S. ,~,Jl)(J,lll'blillg 10 1111\\\1\/11 bl',ilil.:alillll hI il1llholiliL'..... IllI.'-fl'''.\" ccrti(y that I am Tholllas B. ~h:ycr. t\\si'ililllllfl';ISlIrL'I' of l)ic~il1'l(l1l ('Illlq'.l', ,lIltl alII :lulhori/cd to verily this COlllplainl 011 ils bl:half. alld further, thaI till..' 1;1l..:ls set t{nth ill Ihe lillCgoillg COlllplainl an: true and correct to the hest of my inlcJrlllatiol1 and hclicf. " / J- '----'- 1- , I A .. .. (-----~=~-- Thomas B. Meyer Doted: III Ii FI~ 1.,I)~" I,i" f r .r DlCXIlO)rl O>JIll-l;E !-1J:XIDLE FflWICltl; ~iY:Jl1:H .. 7000 PLAll ffiJCATlONAI. GO)lX) AND ::;FJlVIG~; m:rAII. lrl:;rAIl1~DfI' O)flI1iN:r [\,tf! September 24, 1990 , , t' i' t' I ~ . I, fuyer(s) : Dickwson College. Carlisle, P"rmsylv.:Inia 17013 Richard T. and Suzanne Corter 1. Seller: 1475 Washington Lane West Chester, PA 19382 I I' , If there is more than one Buyer. each of you will be obligated, jointly and severally. for all sums due ao:! for the performance of all agreements as provided in this Contract. Under the terms of this Ertucational Goods and Services Retail Installment Contract. you have agreed to pay the expenses incurred for goods and services to be provided and rendered. as the case may be. to Cameron Corter (hereinafter "Student") during his;her enrollment at Dickinson College during the 199Q 91 academic year. including tuition. room and board. books and supplies as herein stated (hereinafter the "Goods and Services"). II. TERMS OF PAYIIDIT AND PAYIIDIT SCHEDULE Disclosures Required by Federal LB... I I I ! I , f i , The Goods and Services shall include only tuition. room and board. ANNUAL PERCENl'AGE RATE: * Cost of credit as yearly rate FINANCE CHARGE: D:Jl1ar amount credit will cost Buyer AMOLMr FINANCED: Amount of credit provided by Dickinson College TaI'AL OF PAYMENTS: Amount paid by fuyer as total of all scheduled payments WfAL SALE PRICE: Total cost of purchase on credi t . in- cluding down payment of $ 11,630.00 10.812 % $ 5,882.00 $ 7,000.00 $ 12.882.00 $ 18,630.00 Rev 9/89 Numb: I. of P"lyrn('nt.s 152 'Vllriahle 1~.1te: Late Charge: Prepayment: f F f';JIY':'I-'~; pl,'m"III "l'fl":1/I,' 'rill I j.. .\;; I'll! 11 '\'J::: ^ml'lIlllt. ,){ r,-,yrr:"llf;: 'tIIl'}rl !1":ItTl"flt~; dl"! r.~JI: $84.75 M0nth 1 'I conun':nr; I rq 10/28/90 w1t 11 _n5/28{~3___-~-::-_~=-_=-.------ The ANNUAL PF.RCFNfAGE PA11, rli'3c lased aoo'/c 1;;; .1 V,11-idtle I-ilte ard may chllrxje, The IINNVAL pmrnffAGE RATE may J ncro"se durin] the torm of this transaction if the prime rate of intel-est announced in the Wall Street Journdl as of the close of business on June 30 of each calendar year increases. and will t~ increased to the prime rate plus 1%. The ANNUAL PERCENrAGE RATE wi 11 not increase mC'I"O than once a year. ",nd the new interest rate wi II bxome effective on July 1 f,)llowir.] the increase. if any. in the prime rate of interest. Any increase will be in the form of higher payment amounts. If your cost ()f t.he Goods and Services sold hereunder were $ 7.000.00 at 11.00 % per annum for ~ months. and the prime rate plus 1% wr;re increased to 12.00 %, your regular monthly ~1yments would increase to $88.89 FUrther, the ANNUAL PERCENTI\GE RATE wi II not increase to more than 1m; or such other rate as may be permitted under the PC'nnsylvania Gocds and Services Installment Sales Act. I I If a payment is more than 15 days late. a St~ equivalent to 5% of'the late payment (but no more than $~.50 and not less than $1.00) may be charged. wyer may prepay the unpaid balance of the Amount Financed and any FINANCE QJAh\3E due through the date of early payment. in full or in p.;rt. wi thout pena 1 ty . SEE SECTION VI OF 11iE COtffRAcr BELDW FUR ANY ADDITIONAL INFDRMATION ~ro.rr NON-PAYMF.NI'. DEFAULT AND REl;2UIRED REPAYMENT BEFORE 11iE SCHEDULED DATE FUR REPAYMENT OF TI-lE A/IiJUNI' FINANCED . III, IIDlIZATION OF Al4JUloIT FINANCED 1. Cash price of Goods and Services: $ 18,630.00 11,630.00 7,000.00 o 7,000,00 2. Total down payment: 3, Unpaid balance of cash price (l - 2) : 4. Amount paid to others on Buyer's behalf: 5. Amount Financed (3 + 4) : $ 2 f IV. CmJJiT 111:;tn~^l1i_T: ( ('r""("1f~ 11ft' tlt:III'dn,"~ In)' ttl'~ t,f'tTn uf 1.111:; (~\I[l't'I'" I:; 11,)1. It"11I11,..I. v. ty) W^Iif.:Alfl'U~:; TIiERE lIRE 00 WARHANrIl';;, Ell1lffi EXPRE3Sill OR IMPLIm. GlVDI BY o1:JJ.rn III <:C)11Nn~nON WIlli SALE OF TIiE GIXlDS Nm 3ffiVlCE3 O)IJERE[) BY mIS CONTPN:r Utll.E3S DUYEJl HA.S rml GIVEN A SEPlIRJI.TE WRI1TEN WlIRRAt~Ti, VI. l\DDITIOtlAL PR:lVISIOtlS 1. B~yer agrees to pay Seller the Total Sale Price by malung the total down payment and paying Seller the Total of Payments in the number am amount of monthly payments shown in the Payment Schedule. Payments are due on or before the same date of each month as the first payment date, Payments must be made to First Wachovia. Inc. at the following address: First Wachovia. Inc. P.O. fux 70095 O1arlotte. NC 28272-0095 2. fuyer's legal rights include the right to pay all or part of the amounts due on this Contract in advance of their due dates. to obtain a rcfurd or credit of Ilne'1rned Finance Charge whenever thp. amount is paid in full in advance, and (with Seller's consent) to reinstate the Contract if fuyer timely oxres any default. 3. fuyer shall be deemed to have committed an "Event of Default" of the Contract upon the occuryence of any of the following: (al failure to make any payment on or before the date it is due, (b) failure to make a payment on any other Contract outstarding with Seller. (cl failure to perform any other provision of the Contract. (d) providing Seller with false information or signatures, (e) death, incompetence. or conviction of any fuyer of crime involving fraud or dishonesty. (f) insolvency or banlauptcy of any fuyer. 4. Upon or after the OCCUl'Tence of any Event of Default. Seller will provide &lyeI' with notice, by certified mail as required by law. addressed to fuyer's last known address as shown on Se lieI" s records, advising &lyeI' of the defaul t am of &lyeI" s right to cure the default. The notice will provide the time. amount am performance necessary to cure the default. If :&lyeI' does not cure the default as provided in the notice. Seller's rights shall include the right to declare all sums due on the Contract to be immediately due and payable. 'rne fuyer agrees to pay all attorney's fees am other reasonable collection costs and charges necessary for the collection of any amount not paid when due. 5. Waiver by Seller of any Event of Default shall not be binding upon Seller if Seller should thereafter choose to exercise that or any other right or a similar Event of Default occurs later. All Seller's rights am remedies shall be cumulative. Seller's exercise of one or more rights shall not cause Seller to lose any other rights. 6, This Contract is freely assignable by Seller. &lyer agrees that upon receivirg notice of the assigr@ent Buyer shall be obligated to the Assignee of this Contract. Which Assignee shall have all of Seller's right and remedies. 3 f ( 7. If .:my part of Lhis Contl'act ),; ll,'ld t" I>~ IlleC/,1!. void or ur1(,n(ol-ccablc. th,1t provision shall 1:10) der,m.;d nol: to lJ.1v" 1"':11 01 (>1rt of thi" Contxilct. which ,;hall otherwise remaIn fully .~ffecllv'.:. 8. TlPPLICABLE LAW: TI,is Agreement. when.,v.,,- c,-llled upon to be construed. sh,111 be governed by the domestic intelTlal law," of tho Commonwealth of Pennsylvania except to the extent supp I'~mf!ntecl. super.-;e<k~i or preempted by feclera I liIw. 9. CONSENT 11:) ~l\JRISDICfION. VENUE AND SEl/VICE: TIle parties to this Agreement consent and agree that all leg"l proceedings rel"lilYJ to the subject matteI' hereof shall be maintained in the court of Common Pleas of Cumberland County. Pennsylvania. or. if applicable. the United States District Court of the Midd,e District of Pennsylvania. and all parties hereto consent and agree that jurisdiction and venue for such proceedio;rs shall lie exclusively within said court. Service of process in any such proceeding may be made by certified mail. return receipt requested. directed to the respective party at the address set forth above. 10. This Contract shall be binding upon the parties hereto. their heirs. successors. assigns and legal representatives. 11. TIME IS OF 1l-lE ESSENCE OF TIUS COtm<Acr. NOTICE: ANY HOLDER OF TIUS CONSUMER CREDIT COtm<Acr IS SUBJEX:T 11:) AlL CLAIMS AND DEFENSES WHIai 1l-lE DEB'IOR COULD ASSERT AGAINST 1l-lE SELLER OF GCX)['6 OR SERVICES OBTAINED PURSUAIIT l1l:l<I:;10 OR WIlli 1l-lE PROCEEIS HERIDF. REX:OVERY HERElJNDER BY TIiE DEBTOR SHALL NOT EXCEED JIJoOJNI'S PAID BY 1l-lE DEBTOR HERElJNDER. NOTICE TO BUYER: (1) OJ NOT SIGN lliIS AGREEMENr BEFORE YOO READ IT OR IF IT CONTAINS ANY BLANK SPACE. (2) YOO ARE ENl1TLED TO A COMPLErELY FlUID-IN COPY OF lliIS AGREEMENr. (3) UNDER 1l-lE LAW. YOO HAVE TIlE RIGHI' TO PAY OFF IN ADVANCE 1l-lE FULL AMOONl'DUE AND UNDER CERTAIN CONDITIONS TO OBTAIN A PARTIAL RE1-1JND OF 1HE FlNANCE aiAOOE. COPY OF lliIS COtm<ACf AND UmlID(S) TO BUYER(S) : I AGREE TO REPAY ALL AMOONI'S DUE ON lliIS WAN IF TIlE OOROOWER(S)!BUYER(S) FAllS TO OJ SO IN ACCORDANCE WIlli TIlE TERMS OF TIiE ~ SIUDENf COSIGNER ,. (JumGIJrr;() /3jfd21id DATE: DICKINSJN COI1..ffiE { /1.'r(90 BY ~8 .e--. 4 1 ' , .. . ;' . . '.~'" . . . I r r ~'.;'Ul t:~:~\"l , I f J ,).;,., I.:, 1>ilJ-:!n)'~1 o:rJJ);f-; rU:XlIiIJ: ,'WAN>:!'I; :>'Um.l _ 7000 PIJ,N ilH',\T1/JIJM, (< "Ii; Mil) :;!lNJI:i.:; IWrAII. ru:~r:,J1J.lIUr illlmlN:r 1"'If,,\ l),.l. f ~ II .' Ikloll('I" .II, 1~91 I. :~~ 111'1 Ill.'klll.:;"'/1 (',)II,>(y-', {'ou I J~;l,'. 1't'fllL.:'ylv'\flld }','1)1.1 HJYeri" I : Richard T. and Suzanne Corter - ._---~--_. - ---_.._-_.,_._--_.~-_.- 1475 Washington lane _~'U___ _ _.._~--------'-._--------_..._.__._..- West Chester, PA 193R2 If there IS mop, Ul<1n on"! Duyer. each of YOII wIll tJ" obll'Nt'~l. JOlnt1Yard sevenl! Iy. for .,,1/ sums due (Ind fot- the pm-formance of cd I agre"!ment" 'I:; provld",,] in this Contr')Gt. Under the tenns c)f th IS FIlucat IOna I Goods and Sm'vI c/?s R.,tc," I InsU,] lment C'mtr'3ct. you have agreed to r-."y the "xpoenses incurred for goods and s/?rVlC/?S to be provided and I'endered. <IS the case may b001. to Cameron S. Corter (hereinafter "Student") durIng his/her enrollment at DICk Inson Co liege during the 1991-92 academic year. includIng tUI tion, n:>om and lx>ard. lxloks and SUpp] Ies ,3S herein stated (hereinafter the "Goods am Services"). The Goods an::! Services shall include only tuition. room am b:>.11'U. II. TERMs OF PAYME/fr AND PAYME/fr SCIiEDULE Disc losures Required by Federa I ww ANNUAL PERCEW'AGE FINANCE GfARGE: AMaM)' FINANCED: TOTAL OF PAYMENTs: '[orAL SALE RATE: . Dollar amount Amount of credi t Amount pa id by PRICE: Cost of credi t as credIt will provided by Buyer as total of Total cost of yearly rate cost Buyer Dickinson College all scheduled purchase on payments credit. in- ClUding down payment of ;J: 12,980.00 9.500 % $ 4,568.97 :5 7,000.00 :,11,568.97 :5 19,980.00 Rev 9/89 l..l-,. \ ( ( tL.;! hlyel":: p.lyrr'''lll :;,.lll_..IIII,~ wi II h~. lJ!i follow:-;: Numl~)~ 01 r\lym('nt~; NrJ{)unf. l"lt P'lymfml:; When P~ym'_mtn .We n.Je 139 SO],?] Monthly commencin] H---JJJ1!lJ?L_m.___. unLi I !;/2flLfLL ... .u_ 'Variable Ratc: Lilte Charge: Prepayment: lllC ANNUAL I'mCENTAGE RATE disclosed above is a ~l<1riolhle t"ille am ",,)y change. 111e ANNUAL PE1lCENI-AGE RATE may incre,)se durin] the tenn of this tl'ansaction if the prime rate of interest announcG-d in the \'/'11 I Street JOlltTIill as of the close of busIness on Jun" 30 of e,lch calemat- year increases, am wi II be increased to the prime rate plus 1%. 1ftc NINUAL Pl'RCENrAGE RATE wi 11 not increase mot'e th,)n once a yeal'. and lhe new interest rale wi II become effective on July 1 followin] the increase. if any, in the prime rate of interest. Any increase will be In the fonn of higher payment amounts. If your cost of the Gocds am Services sold hereurrler were $ 7.000.00 at 9.500 % per annum for -l12. months, and the prime rate plus 1% we!"e increas'?d to 10.500 %. your regular monthly payments would increase to $ 87.23 FUr-ther, the ANNUAL PERCENfAGE RATE wi II not increase to more than 18% or such other rate as may be pennitted urrler the Pennsylvania Goods and Services Installment Sales Act. If a payment is more than 15 days late, a sum equivalent to 5% of the late payment (but no more than $2.50 and not less than $1,00) may be charged . myer may prepay the unpaid balance of the Amount FinanCed and any FINANCE OiARGE due through the date of early payment. in full or in part, without penalty. SEE SEcrION VI OF 1l-lE COt-rrnAcr BELOw FDR ANY l\DDITIONAL INFORMATION ABYJr NON-PAYMENT, DEFAULT AND RErlUIRED REPAYHENT BEFoRE 1HE SCl-lEDULED DATE FDR REPAYMENT OF 1liE AM:XMr FINANCED . III. ITEMIZATION OF AMCXMr FINANCED 1. Cash price of G<XXls and Services: $ 19,980.00 2. Tota 1 down payment: 12.980.00 3. Unpaid balance of cash price (1 - 2): 7.000.00 4, Amount paid to others on &lyer's behalf: 0 5. Amount Financed (3 + 4): $ 7,000.00 2 ('.l-.,1 ( (' It.: 1 \"'~'''I IV. ('liE!'lT IfUlfi,\W'I: t'ro,iJt Ij(" ImIW'UI'." (01. '".: '''nn ,,,( 111(,; ('<'nlx,..--I. I" nCJt r,'<JllI n'd, V. N<"> Wl\firi,\NTI f.~-; 'l11mB ME NO WARRANrm3. El'nfm EXPIiESS1'l) 011 I MI'I.H!J , GIVEN BY Sf:J1.Di IN COliNEcnON Wnlf SMJ, 01' lHE GCODS AND ~J1'JiVICI.:' COVmm BY 11110; (\)t[l1lN:r UNLI:'SS nUYER HA.S !If-EN GIllEN A ST-1)AliATE WlIlTI1Jo1 WARRANTY. . VI. ADDITIONAL PROVISIONS I, fuyel- agrees to pay Seller the Total Sale Price by mi1kirg the total down payment and payirg Seller the Total of Payments in the number am amount of monthly payments shown in the Payment Schedule. Payments are due on 01" befol"e the same date of each month as the first payment date. Payments must be made to Plrst Wachovia. Inc. at the following address: First Wachovia. Inc. P.O fux 70095 Charlotte. NC 28272-0095 2. fuyer's legal rights include the right to pay all or part of the amounts due on this Contract in advance of theil- due dates. to obtain a refund or credit of unearned Finance Charge whenever the amount is paid in full in advance. and (with Se I lei- 's consent) to reinstate the Contract if Buyer timely ~~es any default. 3. Buyer shall be deemed to have committed an "Event of Defaul t" of the Contract Upon the occurrence of any of the fOllowirg: (a) failure to make any payment on or before the date it is due, (b) failure to make a payment on any other Contract outstandirg with Seller. (c) failure to perform any other ProVision of the Contract. (d) Providing Seller with false information or signatures. (el death. incompetence. or conviction of any Buyer of crime involving fraud or dishonesty. (fl insolvency or bankruptcy of any Buyer. 4. Upon or after the occurrence of any Event of Default. Seller will provide fuyer with notice, by certified mail as required by law, addreSSed to Buyer's last known address as shown on Seller's records. advislng Buyer of the default and of fuyer's right to cure the default. The notice will proVide the time. amount and performance necessary to cure the default. If Buyer does not cure the default as provided in the notice. Seller's rights shall include the right to declare all sums due on the Contract to be immediately due and payable. The Buyer agrees to pay all attorney's fees and other reasonable col lection costs and charges necessary for the col lection of any amount not paid when dUe. 5. Waiver by Seller of any Event of Default shall not be binding Upon Seller if Seller should thereafter chOOSe to exercise that or any other right or a similar Event of Default occurs later. All Seller's rights and remedies shall be cumulative. Seller's exercise of one or more rights shall not cause Seller to lose any other rights. 6. This Contract is freely assignable by Seller. Euyer agrees that upon receivirg notice of the assignment Euyer shall be obligated to the Assignee of this Contract. which Assignee shall have all of Seller's right and remedies, 3 -\}B..""..'.. ~ .....LJ..,..., .%(2: . . ( \-.....\ ( 7. It ony pJ.rt. of th15 Contract 1:~ held t,!l t.~ ill(~]dl. vl~l1Cll)t llll"llrl'!'l"",-,bl.', tl1,d provision shall be deemed not to tFlve t"':n a 1",I.t of I.hl" <:',"11-:1<'1., WhICh ,,11'111 otherwise remain fully effectIve, 8. APPLICABLE LAW: This Agreement. whenever' called upon to 11.' constn,,,<J. ,;h.111 I" governed by the domestic inten1<11 laws of the CollllIl0nweallh of Penrl!:;ylv,1I1h1 ""I"'pt to the extent supplemented, supcl'3edcd 0" preempted by federal lilW. 9. CONSENf m JURISDlcrION, VENUE AND SFRVlCE: 11w partJes to thw ACjy,.em..nt I'''r~;,'''1. ,11<1 agree that all legal proccedin:]c; rcliltir>] to the subject malleI- h...'.x,f :<11<111 I.. maintained in the Court of Common Pleas of Cumberlan::! County. Penmylv,mlll. nl-, II applicable, the United states District Court of the Middle District of P"lU<'ylv'"l1", and all parties hereto consent am agree that jurisdiction an::! Vl)nlle f(,,' "ueh proceedings shall lie exclusively within said court. Service at proce"" In "flY ,"",11 proceeding may be made by certified mail, return receipt r(''l''',str,<1. 01""''''''.1 t" "", respective party at the address set forth aCove. 10, This Contract shall be bin::!irlJ upon the parties hereto. th"ir h('ln;. '"ICI"""'''''', assigns an::! legal representatives. 11. TIME IS OF 1HE ESSmCE OF TIUS COIITRAcr. NOrlCE: ANY HOWER OF TIllS CONSUMER CREDIT roNTRACT IS SUIlJlr.r 1D AIJ. r:J.AIM.'. MnJ D1'J.1N:;r.:, WHICH 1HE DEBTOR COUW ASSERT AGAINS!" 1HE SELL.ER OF GCXlDS OR SmVICm Onl'A1Nm I~JIC~IANT HEREfO OR WITIl 1HE PROCEEDS HrnIDF. IIDXlVERY HERflINDER BY TIlE DEJ!IDlI ;'!!AIJ. tnI' J-:XCllJJ JIJ-KXJNTS PAID BY TIlE DEBTOR HElIDINDrn. NC1ITCE 11) BUYER: (1) !Xl NOr SIGN TIllS AGREEMENT BEFORE YOO READ IT OR IF IT mNTAIN~3 /\NY BlANK SPACE. (2) YOU ARE ENITIUD m A CDMPLErELY Flu..rn-IN copy 01' 'Ol1S AGREDlENT. (3) UNDER 1HE LAW, YOO HAVE TIlE RIGfIT TO PAY OFF IN ADVANCE TIlE FUll. MlJUIff WE AND tINDER CERTAIN CONDITIONS TO OBTAIN A PARITAL REl-1JND OF lliE FINANCE C1il\hIJ'E. CX)PY OF TIllS COlffi'.Acr AND INTENJ)(fj) 11) BUYER(S) : I AGREE m REPAY AIL AMOUNTS WE ON TIUS WAN IF 1llE OOROOWER(S) /BUYER(S) IX) so IN ACroRDANCE WIlli TIlE ~F TI-lE ~ ~l:1 STUDENT COSIGNER j>( , rYJt t?) / " / FAIl.S 'f\) DATE: DICKIN9:>N COIJ.Fl3E /0-3/-<71 (J)l' "Ie BY 4 . " '.... " F ;:-- f ,..).;~ ( ~. ./' .. ~ DIO<Hrol COll.IDE Fl..EXIBLE FUWlCItn SY51Dl - 2500 PLAN IDXATIONlIL OOJOO i\ND SffiVICES RETAIL nSl7\IliIDIT cx:>tITRAcr Dlte Apri 1 16, 1992 I. Seller: fuyer(s) : Dickinson College. Carlisle. Pennsylvania 17013 Richard T. Corter 1475 Washington Lane West Chester, PA 19382 If there is more than one fuyer. each of you will be obligated. jointlyard severally, for all sums due am for the perfonnance of all agreements as provided in this Contract. Urner the terms of this lliucational Goods and Services Retail Installment Contract. you have agreed to pay the expenses incurred for goods and services to be provided ani rendered. as the case may be. to Cameron Corter (hereinafter "Student") durirg his/her enrollment at Dickinson College durio;r the 1991-92 academic year. including tuition. room and board. books and supplies as herein stated (hereinafter the "Goods and Services"), The Goods and Services shall include only tuition. room and board. II. 'I'EHMS OF PAYMENr AND PAYMENr SOiEDULE Disclosw-es Required by Federal Law ANNUAL PmCElm.GE FINANCE 0i1>.00E: AJ.OJNT FINANCED: TO'I'AL OF PAYMDrIs: 'I'OTAL SALE RATE: D::Jllar Amount Amount of credit Amount paid by PRICE: Cost of credit as credit will provided by fuyer as total of Total cost of yearly rate cost fuyer Dickinson College all scheduled purchase on payments credit. in- Prior to repay- cludirg down payment of ment: 11.000 % $ 17,560.00 D.trirg repay- ment: 11. 000 % $ 2.078.09 $ 2.420.00 $ 4.498.09 $19,980.00 Rp.v 9/89 .. r f' :if D.ty(>r '.:; ,:...,ynl"J It .-~, .11'" t'.l 1.-: 1,.11 I It.. _I;: I, I J I, ,\.,' . NI_unt~r ,=.t Pl\yrrl~nt~ A.m01 U-lt of p,)yr.J':nl~~:; --------_. -_.-.-.._-.-._-. --..--.--.- WI I"" i'di'IlI'll':: ,\I" I-It. 25 $22.18 ",.">,,1 Illy ';')ITIllI''''''IIO/ 41?1I/'l7 ,.,,01 ,.",,1 illllir~J Imtll _4[211/94 "I '''I'"II I In,'' ,." :;,..t.JIIt. ia no JnrYJ0t" "nrnll".1 -,I f'ld'.lt1:llJtl f{JI" 1n I~U\ "p['lyove<i full' lITI" ,>II I'"rnl"" """J,,'rn o( ~tt.Jdic3). Whl.":l('v"l I~j '!,-u')ll1r. 72 $46.06 monthly,xolIlJ!1""':I"r 5/2E1/94_ ,)t' "'Jell time 0.'3 Student i!; l)t) Il)r~l"l- "rw()l Jt!'d .,t 01ckirL.'Jon (ot- In .:11\ "1)1'1 !'Nl'd Illll-t. Ilfll~ I II r (",'\tnPU3 prcgro)m ot :,t.111tlf!!l). wtlldlDVl1t" l:J f~,'rl ier. ["to ch,3l'ge, If" fX1}'TTIOnt 1S more th.)fl 15 d..'Y'J ).:JU. <1 "'''" '."IIJIV,lI,,"t. t.o 5'.. o( the late ~.uym'2nt (but no moYe than $2.50 am DoL 1""" Ill"" ,tl.OO) IMY ho chllrgod. F'!-~p.~yment : &lyeI' may prepay the Imp.11d oolance of th.~ Arn'" lilt Fln"nc"d ~rrl IIny F"INANCE r:l'lARDt: duo thn;,ugh the date of early (>lym'mt. If! 11111 0,- If! pal.t. w1thout parlcd t y . ,:,Ele :::fl:rrc.IN VI OF" TIlE t:nNI"RACr BEIJJW I'UR lJJN ADDITIONAL INH)I~MATTON AlUJI' ft)N--PAYMENr. DEFAl.ij,T Nil) Im.:!UIRID REPAYMElIT BEF'ORE THE SCHEDULED DlI11, fYJll Ill,J'AYMWr OF THE 1\IoOJNT FINANCED. III. ITIMlZATION OF AOOUtIT FINlINCITJ L I~osh pt~ice of Gocds and Set""ll ices: ,t ._1~, 980.00 -, Total d'.)Wl1 payment, 17,560.00 "j, IJnl:'1id tnlance of cash pI-ice ( 1 - 2) : 2,420.00 4. p..mount pc~ld to other.'; on Buye,- 's f-",ha 1 f , 0 5. Amount Financed (3 + 4), ~; 2.420.00 IV. CT<EDIT INSURl\NCE Credit life in.'3urance for the Lenn 0)( thi,; e'lnt:!",lct i" not requjYeQ. V. f,) WARRANTIES mill ARE NO WARr.:AfITI8':. Emll'P. F:-/.F'm~~~Hl) Oil IMPI.IFJi, GIVEN !JY SELLrn IN CO~ON' WIlli SALE OF THE (;1))[)5 lIND SmVrCr.3 ('OVllm, fi" 'I1W; CON'IVM:r UNLf:~~3 BUYEr/ HAS BEEN GIVEN A :;'EPARATE WRI1TEN WM':f.:ANr', , ., . . . f" VI. ADDlTIOIIAT. PI.n"I~;roW; r 1. fuyer ogrees to P.1Y ~,eller' the '1'01.01 511c Price by ""KIf.] U,., tot.,]) down p.]ymcnt ond paying Seller the TO!.ill of l'<1ymenU; in the numly,r arYl a"'Olin!. c)f monthly p.>yments shown in the P~yment SCIK-d1i k. P<1yments are due on or \),fore Lll" ,;,)me delte 01' e<1ch month as the first p.>yment d,]t.c. P<1yments mUDt be mode to Fitc;t W,v:hCJV1<1. Inc. at t,he following ~ddress: First Wochovia, Inc. 1'.0, B:>:< 70095 Charlotte, NC 28272-0095 2. fuyer's legal rights include the right to pay all or part of the amounts due on this Contract in advance of their due dates. to obtain a rel'urYi or credit of unearned Finance Charge whenever the amount is paid in full in advance. and (with Seller's consent) to reinstate the Contract if Buyer timely cures any default. 3. Buyer shall be deemed to have committed an "Event of Defaul I." of the Contract upon the occurrence of any of the fOllowing: (a) failure to make any payment on or before the date it is due, (b) failure to make a payment on any other Contract outstanding with Seller. (c) failure to perform any other provision of the Contract. (d) providing Seller with false information or signatures. (e) death, incompetence. or conviction of any Buyer of crime involving fraud or dishonesty. (f) insolvency or bankruptcy of any fuyer. 4. Upon or after the occurrence of any Event of Default, Seller will provide Buyer with notice, by certified mail as required by law, addressed to Buyer's last known address as shown on Seller's records, advising Buyer of the default and of Buyer's right to cure the default. The notice will provide the time, d.mount. am perfonnance necessary to cure the default. If fuyer does not cure the default as provided in the notice, Seller's rights shall include the right to declare all sums due on the Contract to be immediately due am payable. The Buyer agrees to pay all attorney's fees and other reasonable collection costs and charges necessary for the collection of any amount not paid when due. 5. Waiver by Seller of any event of default shall not be binding upon Seller if Seller should thereafter choose to exercise that or any other right or a Similar Event of Default occurs later. All Seller's rights and remedies shall be cumulative. Seller's exercise of one or more rights shall not cause Seller to lose any other rights. 6. This Contract is freely assignable by Seller. Buyer agrees that upon receiving notice of the assignment Buyer shall be obligi'lted to the Assignee of this Contract. which Assignee shall have all of Seller's rights and remedies. 7. If any part of this Contract is held to be illegal, void or unenforceable, that provision shall be deemed not to have been a part of this Contract. which shall otherwise remain fully effective. 8. APPLICABIE LAW: This Agreement, whenever called upon to be construed, shall be governed by the domestic internal laws of the Commonwealth of Pennsylvania except to the extent supplemented. superseded or preempted by federal law. 3 ..-.. , .. . . . . ( '. , . r ,i 9. g)NSf}[r TO JURISDICrrON. VmI/,; ^!ilL.:j]')Mn~: 1110 p'rtic:J to thi[J l\.grcclDCnt COfficnt dO:! agree that all legal procccdirY)'J l'clatir'l to the m1bject IIlilttcr hereof 3h<111 00 maintained in the Court of Common PIe,):] of O.lIIlbcrl<lrd County, Pennsy I VilI1i 0 , or, it' applicable, the United Statca Diatrict Court of the Middle Dictrict of PennsylVdllio, arx:t 011 !l<lrties hereto consent <lI'd <1gree th<lt jurisdiction ard venuo for SUch Proceedil'lJ5 shall lie exclUSively WiUlin said court. Servico of process in any SUch Proceedirq may be made by certificdm.li I, return receipt reque:Jtod, directed to tho respective party at the addresa set forth aoove. 10. This Contract shall be birdirq upon the P<1rties hereto, their heirs, succeasors, assigns arx:I legal representatives. 11. TIME IS OF TIiE ESSENCE OF THIS OJ/olrnAcr. NOTICE: ANY J-K)U)I:R OF nus OJNS\JMm CREDIT OJNrRAcr IS SUBm:T TO AIL ClAIMs AND DFnxsm WHIQI TIiE DEB'roR COUlD ASSrnr AGAINST TIiE SEl.r.m OF GOOns OR 8mVrcrn OBTAINED Pl1RSuAIrr HEREro OR WITH TIiE POOcEEm HEREoF. REl::XNmy fIDID1NDm BY THE DEIJroR SHAU. oor EX<:ml J\MOUNrs PAID BY TIiE DEB'roR liF.RWNDm. NOTICE 11) WYEll: (1) 1XJ NOT SIGN THIS AGREEJm.rr EEF'ORE YOO READ rr OR IF IT <X>Nl7uNS AN'{ BLANK SPACE. (2) YOO ARE ENTITLED TO A C'aolP!EIELY FIlLED-IN OJPY OF 1HIS AGRmIENr. (3) l1ND~ THE LAW, YOO HAVE THE RIGHI' 11) PAY OFF IN ADVANcE THE FULL 1II-KXMr OOE AND UNDm CEJm.IN CONDmQNS TO OBTAIN A PARTIAL REfUND OF lliE FINANCE 0iA00E. BJYm(s) AO<IDW1ED3E(S) REl::EIVIOO A COPY OF THIS CON'rnAcr AND Itmw(S) TO BE IB3AILY B:iUND WYEll(S) : I AGREE 11) REPAY AIL AMcilJt.rrs DUE ON THIS lDAN IF THE ~(S)IWYrn(S) FAILs TO 00 00 IN AC<XlRDANCE; WI1H TI-lE 'IElMs OF SIUDENr Cl:BIGNrn / PRANSCRIPT 'A DENT'S RECORD WILL NOT BE RELEASED IF LOAN PAYMEN TO THE COLLEGE ARE IN ARREARS OR DEFAULT. DAm: DICKINSJN OOUB3E "i - J{.r '72-- ~.~ BY 4 . " \ f (' t ".. ~ t) /"1" ..;" - v "':J ,~ ,..} DICKINDON COLLEGE FLEXIDLE FINANCING DYUTEK _ PLAN D EDUCATIONAL GOODn AND DERVICED RETAIL INDTALLHENT CONTRACT n.\t.u n~<:b.rlJilry _1 ~ ,1~9.l___ 1. Sui lor: Dlcklnoon Collogo, Carliolc, Ponnoylvania 17013-2896 Richard T. and Suzanne Corter 1475 Washf~ton Lane West Chester, PA 19382 Buyer(.): If there i. more than one Buyer, each of you will be obligated, jointly and .everally, for all .ume due and for the performance of all agreements as provided in thin Contract. Under the term. of this Educational Good. and Service. Retail Installment Contract, you have agreed to pay the expensee incurred for goods and services to be provided and rendered, as the case may be, to (hereinafter .Student") during hiS/her enrollment at Dickinson COllege durlng the academic year, including tuition, room and board, books and supplies as herein state (hereinafter the "GOods and Services"). The Coods and Services shall include only tuition, room and board. II. TERMS OF PAYMENT AND PAYMENT SCHEDULE Disclosures Required by Federal Law ANNUAL PERCENTAGE FINANCE CHARGE: AMOUNT FINANCED: TOTAL OF PAYMENTS: TOTAL SALE RATE:. Dollar amount Amount of credit Amount paid by PRICE: Cost of credit as credit will provi.ded by Buyer as total of Total cost of yearly rate cost Buyer Dickinson College all scheduled purchase on payments credit, in- Cluding down payment of S 17.760.00 7.50 1,584.44 3,600.00 S 5,184.44 21,360.00 , $ $ S - Rev 2/92 .' ( r lIllynr'II I'.lyr>;+'llt \I."I\I"hl1o will hn ,lfl follown: Numbor of paymontn Whon p,'ymonlo aro Dun .. ---~J~- .'._---_. Nn~JlJOt. oC f'^yn'f'l\111 124 HnoUd y c05Jmmll1)~731o; ,-...1lJJJJ~L__ \IJ\L 11 ____ Z_Lll $41.111 ~_. .....- --.' ----.,.- ..- .Variable Rator Tho ANNUAL PERCENTAGE RATE dioclooed above io a variablo rate and may chanqo. Tho AlWUAI4 Pf:nCENTAGE AATt: may incrcllDo durlnq tho term of thio tranoactlon if tho primo rata of loterant announcod 1n tho Wall Stroot Journal An of tho claDe of buoinooo on Juno 30 of oach calondar yoar increaseD, ft,nd will bu incrcaocd to tho primo ratc pluD 1\. Tho ANNUAL PERCENTAGE RATR will not Incrcaoo morc than onco a yoar, and the now interont ratc will bocomo effoctivo on July 1 followin9 tho Increaoc, if any, in tho primo ratc of intoroot. Any increAso will be in the form of higher payment amounto. If your coot of tho Goods and Services sold hereunder were S 3.600.00 at 7.50 \ per annum for ~ montha, and tl", prime rate plus a wore increaocd to 8,5~ \, your regular monthly paymanto would incraaoc to $ 4~ 7~ . Furt or, the ANNUAL PERCEIITAGE IUITE will not increase to more t an 18\ or ouch other rate as may be permitted under tho Pennsylvania Goodo and Serviceo Installment Saleo Act. Late Charge: If a payment 10 mere than 15 dayo late, a Bum equivalent to 5\ of the late payment (but no more than $2.50 and not leao than S1.00) may be charged. Buyer may prepay the unpaid balance of the Amount Financed and any FINANCE CHARGE due through the date of early payment, in full or in part, without penalty. SEE SECTION VI OF THE CONTIUICT BELOW FOR ANY ADDITIONAL INFORMATION ABOUT NON-PAYMENT, DEFAOL~ AND REQUIRED REPAYMENT BEFORE THE SCHEDULED DATE FOR REPAYMENT OF THE AMOUNT FINANCED. Prepayment: III. ITEMIZATION OF AMOUNT FINANCED 1- 2. 3. 4. Cash price of Goods and Services: S 21.360.00 17,760.00 3,600.00 o 3,600.00 Total down payment: Unpaid balance of caoh price (1 - 2): Amount paid to others on Buyer's behalf: 5. Amount Financed (3 + 4): S .. . f ,. J V. c"Ell I T I fl,';IJI'!\HI't-; Credit li((! innurancn ror flIP lpnn nf thin Cnntr,l("t, l!J not n'rIult"nd. V. t~o WMOU\t~T I r::; THERE T.RE NO WARRAIITa:S, EITIlf:1l t:Xf'IlESSED Oil IHI'I.a:D, GIVEII IIY SELLt:R III COIIIIECTIOK WITII S1\LE OF TilE C<X>OS 1\ND SEHVICES COVEUEU BY Till!; COIlTH1\CT urn.!:!;!; BUYER liAS nEF.H CIVEN 1\ SEPI\IU\TE WRITTEN WARRAIITY. VI. ADDITIONAl. PROVISIOUS 1. Buyor AgroeD to pay Seller tho Total Sale Prico by making the total down paymont And paying Soller the Total of paymcnto in the number and amount of monthly paymonto ohown in the Payment Schedule. paymcnto are duo on or be foro tho Bamo date ot each month ao the flrot payment dato. Paymcnto mUDt be mado to Flrot Wachovia, Inc. at the following addrcoo: Firat Wachovia, Inc. P.O. Box 70095 Charlotte, IIC 2B272-0095 2. Buycr"o legal rights include the right to pay all or part of the amounts due on this Contract in advance of their due dateD, to obtain a refund or credit of unearned Finance Charge whenever the amount is paid in full in advance, and (with Seller's conoent) to reinatatc the Contract if Duyer timely cures any default. 3. Buyer shall be deemed to have committed an "Event of Oofault.. of the Contract upon the occurrence of any of the following: (a) failure to make any payment on or before the date it io due, (b) failure to make a payment on any other Contract outstanding with seller. (c) failure to perform any other provision of the Contract, (d) providing Seller with faloe information or signatures. (e) death, incompetence, or conviction of any Duyer of crime involving fraud or dishonesty, (f) insolvency or bankruptcy of any Buyer. 4. Upon or after the occurrence of any Event of Default, Seller will provide Buyer with notice, by certified mail as required by law, addressed to Buyer's last known address as shown on Seller's records, advising Buyer of the default and of Buyer's right to cure the default. The notice will provide the time, amount and performance necessary to cure the default. If Buyer does not cure the default a6 provided in the notice, Seller's rights ahall include the right to declare all sums due on the Contract to be immediately due and payable. The Buyer Agrees to pay all attorney's feea and other reasonable collection coats and chargee necessary for the collection of any amount not paid when due. 5. Waiver by Seller of any Event of Default shall not be binding upon Seller if Seller should thereafter choose to exercise that or any other right or a similar Event of Default occurs later. All seller's rights and remedies shall be cumulative. Seller's exercise of one or more rights shall not cause Seller to lose any other rights. 6. This Contract is freely asaignable by Seller. Buy~r agrees that upon receiving notice of the aaaignment Buyer ahall be obligated to the I\Baignee of thia Contract, which Assignee shall have all of Seller's right and remedies. 7. If any part of this Contract is held to be illegal, void or unenforceable, that provision shall be deemed not to have been a part of this Contract, which shalL otherwise remain fully effective. 8. APPLICABLE LAW: Thio Agreement, whenever called upon to be construed, shall be governed by the domestic internal laws of the Commonwealth of Pennsylvania except to the extent supplemented, superseded or preempted by federal law. 3. j1~A, ,:( I , '. .....;;'-'''' J ,). . . "~~'.'~I,.-~l-> _()./l.._.:-:: lJo~ 't~., ",' '>"A~'" ...,... .....",. .', -.' , I >,1\ Iii 1< (/dl\l\\ .I~. 1 "'lUll..,' \I.\I( 1."( J" I )1\lW( 11(1.1.1111 11.\\1".\ () I IC I 1.'11 I ,I.,t 1I"'''''''c'.'1 ( .,11 I hie-. 1'.\ 1 '."1 ; ('1....' ~.l ,.; ,":1 \1\l.lJlIl..'\" Ipl /'I.IIIlIIII I >11.KI:\S()s,; (.( )111:( il.. 1'1;,1111; If 1:\ Till: ('01 XI (>I. ("0\1\10:\ 1'L1:AS OF (.1 .\lIll:RI.,\:\I) (.( >I ':\ I Y. I'!::\:\SYI.V:\:\I:\ \. :\0. ')8-(t! .,8 ("1\ II. :\(" 110:\-1. \ \\ RICI I.\IWI. ("ORTLlC (":\\II:I(():\ ('ORT!:R ",HI Sl "1:\:\:\1: (,ORT!:R. I Iclcnd"nts Jl'RY TRIAL OF TIITI.\T D!:\I..\:\DI:D PRAECIPE I'k"se rei nst"te the "t1"ched COlllpl"i nt 10 be ser\'ed on ('"meron S. ('orler at her residence, 1M)() Wesl Doc Run Road. Kennell Squ"re. Chesler ('lllnlly. 1':\ 1')",)8,1558. or at her place of employment. Seirex. 755 Business ('enlcr Ik Ilorsh"m. \Innlgnmery l'nunty. I' A 191J44. I'lcase Ilnward the reinstatcd Complaint to the (.umberland County Sheriff f(,r ser\'iec, \lARTSON DI:~\IW S)(R\f'F WILLIAMS &. OTTO . ___. . O. ___..".' '>/~ - -t-- /. '--. ... ..: '.'.' (' .... ~. " -~~ By D;'~iJ~~~(ja:11~;~~,~. -:;-.- - I. D. Number 87.12(, Ten Eastlligh Strcet Carlislc, PA 1701.1 (717) 2,).1-.1.1,) 1 Datc: March 2.1. 21J05 Atlorneys Il)!' Pla;miff \. ,( pl l ; I !I I, I' l~ f, ~. I ~ !-~ t" ":. .<.~ --0:,:: ,-., -:.i .~~-:-: '-'r-=--.: -'it;, ").:-:; , ' .') .-~;~r: . ~ ': J 0/, I" i t,'.: J::- Ti:> -. "::;'1 '_1 :~ i \ ~ '. , :.!! ~ , .....'.- :;lll':!"l!' I,' l,'i' :r': ('/\ ;!': Nil: 1 ',I ',."i 1)1'.:' ", ".' " '~ .. -. , " .. ,>.' J,'O ,jl',/I 1, i 11 I.:......:' , ,,'.'/\:; : 1\ . 1''.\ !;;TY Ill,' ('~':':Hf':i.':,f\~;: J)!('r:lr;:;O:.J ('( I:,!';';;'; v': ('01\'1"]<;1< I<! ('!ll\Hll T !';T /\:, 1<. TI1Ulll,\;; C<l illl' <:,") ,. . "! :,' , . L,., 11:' 1 duly ~"Nonl clcconlillq t u 1 1'.'/, :;"'/~;, ell I~ ::" Illl:I'- ,j;: 'I' 'r:! ;;",11 ('J; d[lei dnd inquiry [or Lh,~_' 'o'JiLhir: :l.ln:(:d 1))':::1,;:--;])/\:;,[, t !) ',',': ~ CORTEr< C!I~1EfWN S -------.,,-- but was UllQble to loc~t(, Ililll In Ill:; 1:1 i 1:',':: (..'}'., I:" t h(:p~'tun.~ deputized the sheriff of rJlOi1'j'(;o:.n;:p '( ('("Ill I! :/ , P'-'ll!lHyJ '1~11l i <1, to serve the withIn CO~f'L!lINT & NOTICE On ApriL- ].2nd . L005 , this oU lce '.','d" III recc"pt of the attached return from MONTGO~ERY Sheriff's Costs: Docketing Out of County Surcharge Dep Montgomery Co So ans'..Jers: 6.00 9.00 10.00 33.00 .00 58.00 04/22/2005 MD\^I&O ~..c~.~ R. ' Thonl2\s Kl i ne Sheriff of Cumberland County .-> Sworn and subscribed to before me dj - day of C2rr J/ this ,y<, '" \ ----A . D . 7A-~'-' ~-~ ~;III.:I{ II,'j,"~; I-:j.;TIJRN {)IIT OF COIINTY (,^~;I': NO: 1 :J~H ()(; '.r'; I' lTJi.1i"i'--JN~n,:/\j ,'j'ii . .....',.,.. ....,.. ':' t r',d,'''' I ,,'.' t~" I 1\ ; ('()'INTY elF ..,,:,::.,:.::,':.r,:::' !)r('KIN~:O;l I );,:,1-:::,: \'.' ..' COHTEli j,; I ('IIMW T J-:.:. fd, R. ThOl1ld:-, r:: 1 llll' , ::!!('r- t! t In ;k'!J\11 '/ ::~IH'! l! l ':;111., bf_'llF~ duly sworn acconliIl(J t() 1<1'../, :klY:-'1 Chat !lr_' !ll.lele. d dll i':::F~llt :;c',ln....h dlld and inquir'y for' the within named rJ.I'.:I:'ENDANT , towil: CORTER CA~1EjWN S but was unable to locate lIer in his bailiwick. He lher'efore deputized the sheriff of CHESTER County, Pennsylvanla, to serve the within COMPLAINT & NOTICE On April llnd , 2005 , this office was in receipt of the attached return from CHESTER Sheriff's Costs: Docketing Out of County Surcharge Postage Dep Chester County So answers: ,;. ._- 18.00 9.00 10.00 1.11 28.53 66.64 04/22/2005 MDW&O ,....-;-- -'~/ .-r /: /'. r' (' R. Thomas Kline Sheriff of Cumberland County Sworn and subscribed to before me this ~ day of ~ ::h-.~ A.D. . ~ ~~y"~ SI ![Rif r'S (u:. i::' [n The Court of Com moll Pleas of CHrnberla[J(lo~oullty, Pennsylvania "'._---,.__.-._-~-- -----......- I)ickill~;(Hl ('oll"(Jl~ .: __.. ._ ._. .__. I,,;d \., .. r' ,,', SEINE: Hichdrd T. C{)rt.t~r ,~t d1 Cdllll!f(Hl S. Corlt!r 98-6138 civil I ,', ~o. :-;o\','. Mdrr.h 2B, 2005 , I. SIIFRI FF (IF CU;'v1BERL:\ND CllU1"TY, 1':\. do ------- -~-_._---------_._~--_.- herehy deputize the Sheriff of _ Chi's t,'r County 10 execute this Writ. this deputation being made at the request and risk orthe Plaintiff. ".' '..... ~''-af''''>~ .f""'",."'.-.; .r. ........z:;r;"~,.:.~:-.......~ "",":".(';;:::~":",,,~'~1' Sheriff of Cumberland County. I'A Affidavit of Service Now, __,20_, at o'clock M. served the within upon at by handing to a copy ofthe original and made known to the contents thereof. So answers, Sheriff of County, PA Sworn and subscribed before me this _ day of , 20 COSTS SERVICE MILEAGE AFFIDA VIT $ $ :~ . Tn Tht, {'ollrl of Common Pleas of ClImberland C(lt!III~. Pennsylvania Di{'kin::;()fl Coll"lll' ,.s. Hichdrd T. Cor'l"1 1'1 <II SEHVE: Ctl!lll~r()n s. Cortpr ~(I. 'J!I-(,JJ!I c;vi 1 I" \011". Mdrcl1 2B, lOUS d I, '. ~ . I SIILI"IT OJ ('\ ~;-'IJ\IJ" ...\~I) COt :"TY. 1':\. d" h~r~by lkrutiz~ th~ Sh~rif'f' "f' _. Mon t ~(Jlll" ry _ _ .._____ ___._..._ (""un!\ t" ~~e~utc this \\'rit. this d~rutation king mad~ at th~ request and risk oCthe I'lailllitf. ~''''r"~''~'', " .?--' ..~.:.~".?,~-. _.' .J ,.' . .-.:...,"-"\ r Sh::rilTnfCumkrlanJ CoulIty. 1'.'\ ,. ..'\fiida\'it of Seryice NOli". /0~' (-/1 .;:;;-1 ,20..<}/. at / , y!o 'I o'c1ock.~ M. serv~d the within (' /L' )/1--' ( .... . ,. , ~ , h . 1'1 (/ ({'/:. ;;,jz f'/[ c ._) C I/U/ upon C,; /'I/;~('}. 0::::--. at ,.-) 7,,"'-- ~i ."... " . I.) ...:- l ~//~ /" ....~.. '/f~y{/ , . ., j-;-I / I / ,t/t':A' '1--'/t:' . IV'I.:.<//.;'}. bv handin!! to ;;)..; ~7c. /J~ jt/ . - / '. ! A . . /' {/ /t /1/" / a c'_" /' copy ot'thc original uf'.- ')/",'<-' c'.",- . J""C~t-1 t::r and made known to "., -/ ,/ /- , /;/ .c)( I (' the contents thereof. So answers. \ \ ~ '~ I' I f<.).; l- r.iI;L /-;;; ",c.);L/ Sl"riff of , ~ ,. f / /l COUI1~~ 8~ Cd',)r ! ','''', l)'.'1 1 J. ::003 5; I)WKINSI 'N 1'( 'JJH ,I-. I'lalllll1l IN 1I11'.C.IlIllnll(-(.I':-'L\1C 'N I'L"-t\S I .11~lIl1.f{I.t\NI' (.( lIlN I Y. I'FNNSYI,VANIA v 1.IVILAC.1I0N. LA\\' I(lCI lARD T. ('( lInT,R, Sf IZANNE ('ORTEI( and CAMEI(()N s. ('ORTEI(, Iktt'lltlalll<; ~13? 1'S {I/OfC NO. NPTI ('):;~[(UU;I~I~NI! Y ot! have hccll slIed 1IIl:01lr1. I r YOII wish 10 defend agaill'a the claims ~ct forth in the following pages, you must take action within twenty (20) days aller this Complaint and Notice are served, by entering a written appcamncc personally or hy attorney <llld filing in writing with the Court YOUT defenses or o~jC(~- lions to the claims set forth agail1~'" YOII. You arc warned Ihal if yo II rail tn do so, the case may proceed without you and a judgmenlmay he entered against you hy the COllrt without further notice for any money claimed in the Complaint nr fnr any other claim nr relief requested by the Plaintiff YOllmay lose money or property or other rights ill1porttlllt tn YOll. YOU SHOlJLDTAKE TillS 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. COllrt Admillistralor Cumber/mill COUllty Courthouse Olle Court/lOuse SIJllare, 4'h Floor Carlisle, PA 170/3 TeleplllJ//e: (717) 240-62110 A V I SO USTED HA SIDO DEMANDADO/A en corle. Si usted desea defenderse de las demandas que se prcscntan mas adclantc en las siguicntcs paginas, debe tamar accion dentm de los proximos vein1:', (20) dias dcspues de In notificacion de csta Dcm31lda y Aviso radicando pcrsonalmcntc 0 por media de un abogado una compareccncia cscrita y radicando en In Corte par cscrito SllS dcfcnsas de, y objcccioncs il, las demandas presentadas aqui en contra suya. Sc Ie advicrtc de que si tlsted falla de tomar accion como sc describe anteriormcntc, cl caso pucde proccdcr sin listed Y lIn falla por cualquicr slim a de dincro rcclamada en In dcmanda 0 cualquicr otm reclamacion 0 rClllcdio solicitado por cl dClllandante puedc Ser dictado en contra suya par la Corte sin mas aviso adicionaL Usted puede perder dinero 0 prc,piedad u otros derechos importantcs para listed. TRUE COPY FROM RECOFlO In Tnsl~r~',",', 'rJ!',;':f"":. ; :-':'I\~ (lr'~~: ~'(J1 my h,Cr.( ,.:1 ;'~ .:.\~;t (,'1 ,..,.:.; ~~\'''~p.3t ~i~I~:.k1. ~. ,:,'~,__!-I~_: JJiJ] ')I".Jj<-'(,:(",,-. 19<JS' ( ,L/.l' (/ ]l1dU...,' ~.;:>j. _ , I>r-v'lhonolllrf r .. o( i' 11 f liS I "Ill JI-:ill' "I'.V,\/{ "S II. Ilf If.1 '~II.N I (I A SII All( lIlA(;( I 1~IMI',IlI/\ IAMI.:N II SI IISlI'll NC) IIl.NI' IIN ,\lI(Il;t\llfl II N', 1'111.111.. 1',\(;/\lU.I': ,\ IINcl, "^MI': II VAY^ A 'A SI( ;IIIINTF (11.1t .IN,\ I'M! ,\ .-\ VI.I!l1 ;! I.-\R 1)( INI 111'111'1 >1' INC.( IN II!"'! ASISITNI 'IA .1.1'< ;A'-- ('O"f' ,.I"lIIi"i.\lrulur ('''11I/1'''/111111 ('Oll"~}' ('ollrlllOlI.\'(' OUI' ('OllflllOlI,\',' .\"/lIurl', 4'" /-100T (,,,rliIl,'. 1'.-1 1711/3 lj'I,'pllO"": (7/ 7) 2411-621111 ~kNEIS. WALLACI &. NIJRICK Ily 0-L~__n ---~cPhenson Mal(hes Attorney J.D. No.67408 100 Pine Street P. O. Box 1166 Harrisburg,PA !7108,1166 (717) 232-8000 Al(orneys for Plaintiff Dickinson College :1 1>1< 'KINS( 'N 1.( )1.1.1:( ;1.:. I'lailllifl ;~. 'I IN I III'. (.( JIll( L OF (., 1,\I~1< IN PLEAS . ('I I t\1IlFlU .ANll ('( 1I1N I\', I'I'NNSYLVANIA v. (.IVII. A('TION ,I.AW , ~. ! RIClIAI(I) T. ('( >RTER. SUZANNE ('ORTER alld CAMERON s. ('OI(TER. I >Cfcndallts ./ (/ 'J ('", I II ,,_. . : NO. . /. , ., (~O~l'J,A1NT 1. PlaintiffDickinsoll College ("Dickinson") is a Pennsylvania educational institution with its principal offices located in Carlisle, Cumberland County, Pennsylvania 17013. 2. Defendant Richard T. Corter ("Parent") is an adult individual whosc last known address is 1475 Washington Lane. West Chester, Chester County, Pennsylvania 19382. 3. Defendant Suzannc Corter ("Parent") is an adult individual whose last known address is 204 Mcadow Court, Glen Mills, Delaware County, Pennsylvania 19342. 4. Defendant Cameron S. Corter ("Student") is an adult individual whose last known address is 1475 Washington Lane, West Chester. Chester County, Pennsylvania 19382. COUNT I llICKINSON COLLEGE V. RICHARD T. CORTER AND SUZANNE CORTER BREACH OF CONTRACT 5. Paragrnphs 1 through 4 arc incorporated herein by refercnee as ifset forth in full below. 6. On or about September 24, 1990, Parents entered into an Educational Goods and Services Retail Installment Contract ("First Contract") for cxpcnses incurrcd for goods and services to be provided and rcndcred to their son Cameron S. Cortcr by Dickinson during the 1990-91 academic year. A true and correct copy of the contract is incorporated by reference and attached as Exhibit uAu. 7. On or about Octobcr 31. 11)91, Parents entcrcd into an Educational Goods and Sl.I"icl.... Hl'r.1l1 In'.lallllll'1I1 ('lIBlr,ll'l ("Sl'Clllld ('.'IlILh I") It II' l'XPl'/I'.l" ill~,t"rl'd lilr gO(l(I... and scrvil:cs to he prt\\idrd dlld rl'/It!l-f'l't1lo llll'ir ';(1/1 (',l/l\l'Il1l1 S ('HIIl'r by I )iL'kill'.(llI dllring IlIe 1()()I_c);,! acadcmic }l';lr, 1\ Irlll' ,lIltl U'ITL'l~ll'tlP.\" urlhl' conlracl,'. illcolpllrall'd hy rcferc..'llcc and atlaclu:d a.... Exhihit "IY'. X, ()II or ahout April I h, 11)1)2, I'arl'nh l'l1krcd inlo an l':dlh.:ational (ioods ;uul Sl'rviccs Rc..'lail Installmcnt ('(lIltnlct ("'f'Ilinl ('IHllraCI") fl.lr CXPCIISl'S illcllrrcd fill' goods and services to he providl'd and rcndered to their SOli ('i1l11cron S, ('orler hy I )ickinson during the 1991-92 academic j'car, ^ truc all(J correct copy oflhc conlract is incorporaled hy refcrellcc and attached as Exhibit "C", I), On or ahout Fehruary 19, 1993, Parcnl~ enlercd into all Educational Goods and Services Retail Installment Contract ("Fourth Contract") for expenses incurred for goods and services to be provided and rendered to Iheir son Cameron S. Corter by Dickinson during Ihe 1992-93 academic year. A Irue and correct copy of the contract is incorporated by reference and attached as Exhibit "0", 10. Under Ihe terms of Ihe First Contracl, Parents, as "Buyer" agreed to pay Dickinson Seven Thousand Dollars ($7,000.00) with interest at the initial rate often point eight one two percent (10.812%) per annum, in one hundred filly two (152) equal monthly inslallments of Eighty Four Dollars and Sevenly-Five Cents ($84.75) commencing on OClober 28, 1990 and ending on May 28,2003. II. Under the lerms of the Second Contract, Parenls, as "Buyer" agreed to pay Dickinson Seven Thousand Dollars ($7,000.00) with inlerest at the initial rate of nine point five percent (9.5%) per annum, in one hundred thirty nine (139) equal monthly installments of Eighty Three Dollars and Twenty- Three Cents ($83.23) commencing on November 28, 1991 and ending May 28, 2003. 12. Under the terms of the Third Conlraet, Parents, as "Buyer" agreed to pay Dickinson Two Tholl'..:llId hllU IIUlldlt,t1 I \\l'lllv I )ldI.U'.1 S.l ,I.~I) 11I1) \\jlh illll'(\''.1 ,It till' illlll;" LIIl' III l'k v c.' II Pl'fl'l'lIt (J 1.0"/;" Ill'l ,IlIIllJ/Il, ill 1\\t'IIIy.' ji\l'I."l) t'qn;d I1II111lhlv ill'.talllllL'lIfo.; t1fT\H't1IV I \\11 I )ldlap; alld Fightl'l'll Cents ($L!.I X) Ctllllllll'IlCIII,: 0/1 ApI II .~X, I Ill}.! ,lilt! l'l1dill!', Oil I\pril 2M, Jl)lj,l. ;11](1 ',I:\'l'lIly Iwo (72) l:'tJllal l1lolllhly inslallllll'lJh 01'1-'011)' Six I )lIl1ar... ;lIId SI\ ('cllts ($.1(dl(l) COIllI1ll'I1l'illg llll May 2K. 11)1).1, 1.1. IllIdl'r Ihc lerm..; ollhl' hlllllh ('lII1flar.:I, Parenls, ~IS "Bllyer" agrn'd 10 P;IY Diddnsnn Thrcc Thousand Six lIul1drl'd D(lILlrs ($l,(lflO,IHl) wilh illterest at the inilial rale of Sl'Vl.'ll point live perccnt (7,5%1) per allllllll1, illlllle hUlldrcd twenty lil1lr ( 124) equal monthly insl:llll1lents of Forty One Dollars and Eighly-One Cenls ($.11.8 I) commencing on Fehrnary 28.199] and ending on May 28.2003. 14. Seclinn II oflhe Contract(s) provides Ihat "If a payment is more Ihan 15 days late. a sum equivalent 10 5% of Ihe late payment (but no more than $2.50 and not less Ihan $I.OO) may be charged." 15. Section vr. Paragraph ](a) of the Contracl(s) provides thai "Uuyer shall be deemed to have commiued an . Event of Delault' of the Conlracls upon the occurrence of any of the following: (a) failure to make any payment on or belore the date it is due...." 16. Section VI. Paragraph 4 of the Contracl(s) provides Ihat if an Event of Default of the contract occurs. and is not cured by Ihe Buyer pursuant 10 the Notice of Default. Dickinson has "the right to declare all sums due on Ihe contract 10 hc immedialely due and payable." 17. Parents defaulted on the Contrael(s) by failing to make the required monthly payments on the Contrael(s} due and owing to Dickinson since August 22, 1994 on the /irst and fourth Contracts May 4. 1995 on Ihe second and third Contraels. 18, Notices Were forwarded to Parents inform ing them of their default and right to cure such default. siglll'r. Ihl'll'h, agle':1I1,': '0 rl'l'a" all ;1111011111> dill' Oil ,hl' 10'111 ill',IIl'III' de!.IIr1led ill aerordall"" Willllhe Il'fIll"; 1.1' lhl' ('.HI1LIl'I Sl"t' I':,\hihil It, ~). (Ill or ahollt April 1(1, Il)('.~, (';UlIl'ron S. ('Orll'fi.'\L'elllcd the Third Contract as a eo'si~lIer. Ihl'rehy agreeillg 10 repay all ;1111011111, dlle 011 the loan ill':lrenls de f:111Ited in accordance wilh the h..'nlls or lite COlllrat:1. See Exhihit (', 26. ()II or ahoUI Fehruary I I). I (N), ('alllCml1 S. Corter executed the Fourth Contract as a co.signcr, therehy agreeing to repay all alllOllnls due 011 the Inan if Parents defaulted in accordance with tile tenns of the Conlrae!. See Exhi"il D, 27, Cameron S, Corter signed the COlllract(s) as "Student Cosigner" and in doing so agreed to "repay all amounts due onlhis loan ifthc Ilorrowcr(s)/fluyer(s) fail to do so in accordance with the terms of the Note", 28. Because Parents have failed 10 make payments due causing the Contraet(s) to be in default, Cameron S, Corter is obligated to repay all amounts due under these Contracts, 29. Dickinson has demanded paymenl of thc obligations owed to it by Cameron S, Corter under the above Contracts, 30. Cameron S, Corter has failed 10 make such paymen!. 31. The total amount which has become immediately due an payable to Dickinson by Cameron S. Coner pursuant to the Contracts as of September 14, 1998, is Twenty Four Thousand Nine Hundred Forty-Four Dollars and Sixteen Cents ($24.944, 16), which includes principal in the amount of Eighteen Thousand Six Hundred Eight-One Dollars and Eighty-Six Cents ($18,681.86), interest in the amount of Five Thousand Nine Hundred Five Dollars and Seventy-Six Cents ($5,905,76), late fees in the amount of Thrl'c I It II III rl"d FiHy.Sj,\ 1},dL",. ;llId I'illy h,ur ('cnts ($Y:;h,5,1), phIs rl'asonahle attorney'... Ices and colledilln co...ls. \VIIERI:J:()J<E, Plainlilll >id,III'.111\ ( 'tllkgl: dClIlands judgmcnt against Stlldellt (':lItleron S. Corter in the sum of Twenty Four Thollsand Ninc Ilundrcd Forly.Fotlr Dollars and Sixteen Cents ($24,944.16), plus interest from Septemher 1,1. I 'l'iX at Il1e rate indicated ou Ihe individual Conlmcl(s), late fees, Ct)sts ufsuil, attorneys' fL'CS alld CtlllL'cti{111 co-.;ts. COllNT III IlICKINSON COLLE<a: V. CAMERON S. CORTER IN OUANTUM MERUIT In the altcrnalive, if this Honorahle Court should determine Ihat an express contract between Dickinson and Cameron S. Corter docs not exisl, which is denied, Dickinson pleads the following Court In Quantum Meruit 32. Paragraphs I through 31 arc incorporated herein by reference as if set forth in full. 33. Having requested Dickinson to loan money, and doing so to the benefit of Cameron S. Corter, became liable to Dickinson for said money. 34. Cameron S. Corter has been unjustly enriched by accepting said money without paying Dickinson reasonable compensation therefor. 35. The total amount by which Cameron S. Corter has become enriched on account of the money loaned is Twenty "our Thousand Nine Hundred Forty-foollf Dollars and Sixteen Cents ($24,944.16). 36. Dickinson has demanded payment of the above sums but Cameron S. Corter has failed Nl.Imb.~l- of P'"lyrn('nt.:; 152 'Variable Rate: Late Charge: Prepayment: f t 1~IY"I"':: plt'In"!11 :;("tl",\1 1\" '.-, I II I., .\:; 1,111, ,....,::: ^f:nIUl~" of PdYIII'~nL:; W111~1\ l'dyrIJt~f1t~"; ,\l'I~ r"Jf~ $04,75 Month I Y <:onlIDcnc I 0] unt i I _..512!l/O3 ._ .JQ/28L29__ _ The ANHUl\L PERCENTAGE HATE discl=",J aOO'le IS ., variabl" rute arYl may chaf'i]o. The lINNUAL PEJlCENrAGE RATE IIliIY Increase durirq the term of this transaction if the prime rate of interest announced in the Wall Street Journal as of the close of business on June 30 of ":uch calemar year increases, and will be increased to the prime rut': plus 1%. The ANNUi'IL PERCI:Nl7\GE RATE wi I I not incre.)se more than once ,) year. .un the new interest rate \Iii I become effectlve on July 1 followio] the increase, if any, in tho prime rate of interest. Any increase will be in the form of higher payment amounts. If your cost of the Goods am Servi ces so ld hereunder were $ 7.000,00 a t 1L~ % per annum for ~ months, am the prime rate plus 1% were increased to 12.00 %. your regular monthly payments would increase to $S1l.llll further. the ANNUAL PERCENTAGE RATE wi 11 not increase. to more than lEU; or such other rate as may be permitted under the Perlru>l'lvania Goods and Services Installment Sales Act. If a payment is more than 15 days late. a sum equivalent to 5% of'the late payment (but no more than $2.50 and not less than $1.00) may be charged. fuyer may prepay the unpaid b3.1ance of the Amount Financed and any FINANCE a-l1\RGE due through the date of early payment, in full or in pnt, without penalty. SEE SECTION VI OF mE COtITRAcr BElJ)W FOR ANY ADDITIONAL INFORMATION ABJlJl' NON-PAYMENT. DEFAULT AND REQUIRED REPAYMENT BEFORE TIlE SCHEDULED DATE FOR REPAYMENT OF mE AMOlMf FINANCED . III. ITDllZATION OF AMOIJNI' FINANCED $ 18,630.00 11,630.00 7,000.00 o 7,000.00 1. Cash price of Goods and Services: 2. Tota I down payment: 3. Unpaid balance of cash price (1 - 2) : 4. Amount paid to others on Buyer's behalf: 5 . Amount Financed C3 + 4) : $ 2 f 'I' ", 'j .! : " i j I:: :1 Jl.; i\t II 'I ~ ( (',,"d\l, llll' Irl:;II!.l(I"P 1"1 ttl" t."IU\ Ii! 1.11\:; ('cIOt.i'll't. 1:: !"lIJt, t/"Jlln",,:\. IJ, t~l '1iI\EI,:Mrrrl':'; millE ARE NO WI\Rf,l\urn:j. Enlll'l/ I:XPRB'X';m OR IMPLTm. l)l1Jf:J1 nv sn.LFR JI~ COI1Nn::-rrOtl Willi Sl\LE OF 1llE (;tX)fJ.j Mill ~JI'llVICF:, {JNI'RFD fW 'nlTs mtn'RN,T UlllB3S nUVFR Hl\S BEFJ.I GIVEN A SEPJ\R}\TE ,/RInUI Wi\RHl\l.ff"I, VI. l\DOITIONAL POOVISIONS 1. BJyer agrees to pay Seller the Total Sale Price by maJdrg the total down payment and payirq Seller the Total of Payments in the number ard amount of monthly payments sham in the Payment Schedule. Payments are due on or before the same date of each month as the first payment date. Payments must be made to First Wachovia. Inc. at the followirq address: First Wachovia. Inc. P.O. B:>x 70095 Charlotte. NC 28272-0095 2. BJyer's legal rights include the right to pay all or part of the amounts due on this Contract in advance of their due dates. to obtain a refund or credit of unearned Finance Charge whenever the amount is paid in full in advance. ani (with Seller's consent) to reinstate the Contract if Buyer timely ~~es any default. 3. fuyer shall be deemed to have committed an "Event of Default" of the Contract upon the occurrence of any of the following: (a) failure to make any payment on or before the date it is due. (b) failure to make a payment on any other Contract outstaniirq with Seller. (c) failure to perform any other provision of the Contract. (d) providirq Seller with false information or signatures. (e) death. incompetence. or conviction of any Buyer of crime involving fraud or dishonesty. (f) insolvency or bankruptcy of any Buyer. 4. Upon or after the I)Ccurrence of any Event of Default, Seller will provide Buyer with notice. by certified mail as required by law. addressed to Buyer's last known address as shown on Seller's records. advising fuyer of the default ani of Buyer's right to cure the default. The notice will provide the time. amount ani performance necessary to cure the default. If fuyer does not cure the default as provided in the notice. Seller's rights shall include the right to declare all sums due on the Contract to be immediately due aNi payable. The fuyer agrees to pay all attorney's fees ani other reasonable collection costs and charges necessary for the collection or any amount. not. paid when due. 5. Waiver by Seller of any Event of Default shall not be binding upon Seller if Seller should thereafter choose to exercise that or any other right or a similar Event of Default. occurs later. All Seller's rights and remedies shall be cumulative. Seller's exercise or one or more rights shall not. cause Seller to lose any other rights. 6. This Contract is freely assignable by Seller. BJyer agrees that upon receiving notice of the assignment &lyer shall be obi igated to the Assignee of this Contract. which Assignee shall have all of Seller's right and remedies. 3 f ! ~ r:: 1 l!.:t..! II 01: f ('r,"dt!., III" 1I'L:;III'.III"" t"l 'II" t"!1:1'.r thl:. ('c)nt,t-'-ll"t. 1'> rtI)t 1"'Plll"'\, 'I. I' I 'I/^Ei.:Mrrrl'~'; THERE lIRE NO WARllANTIE'J. EI1Hl:Jl 1:XI'R~):.;m OR IMPLIED. f]IVF.N llY ~)TJ1JJl IN f))llNO:'TION wrrn SALE OF TIiE GOODS AND ~Jt"Vr('f;, ONI.pm BY '1l1IS ml,ITh\CT UNlE3S IH{IT< ilK; fIIHj Gl\IEN A SEPARATE WRITTEN WNlRANIY. VI. ADDITIONAL POOVISIONS 1. &.Iyer agrees to pay Seller the Total Sale Price by making the total down payment and paying Seller the Total of Payments in the number am amount of monthly payments shown in the Payment Schedule. Payments are due on or before the sam,; date of each month as the first payment date. Payments must be made to First Wachovia. Inc. at the following address: First Wachovia. Inc. P.O. Box 70095 Olarlotte. NC 28272-0095 2. &.Iyer's legal rights include the right to pay all or part of the amounts due on this Contract in advance of their due dates, to obtain a refund or credit of une'UTled Finance Olarge whenevel' the amount is paid in full in advance, am (wit.h Seller's consent) to reinstate the Contract if Buyer timely Cl~es any default. 3. &.Iyer shall be deemed to have committed an "Event of Defaul t" of the Contract upon the occurrence of any of the following: (a) failure to make any payment on or before the date it is due, (b) failure to make a payment on any other Contract outstan::iing with Seller. (c) failure to perform any other provision of the Contract. (d) providing Seller with false information or signatures. (e) death, incompetence, or conviction of any &.Iyer of crime involVing fraud or dishonesty. (f) insolvency or bankruptcy of any &.Iyer. 4. Upon or after the occurrence of any Event of Default, Seller will provide Buyer with notice, by certified mail as required by law, addressed to &.Iyer's last known address as shown on Seller's records. advising Buyer of the default and of Buyer's right to cure t.he default. The notice will provide the time, amount and perfornance necessary to cure the default. If Buyer does not cure the default as provided in the notice, Seller's rights shall include the right to declare all sums due on the Contract to be immediately due an::i payable. The Buyer agrees to pay all attorney's fees ani other reasonable collection costs ani charges necessary for the collection of any ~t not paid when due. 5. Waiver by Seller of any Event of Default shall not be binding upon Seller if Seller should thereafter choose to exercise that or any other right or a similar Event of Default occurs later. All Seller's rights and remedies shall be cumulative. Seller's e:{ercise of one or more rights shall not cause Seller to lose any other rights. 6. This Conti'act is freely assignable by Seller. Puyer agrees that upon receiving noticeeof the assignment &.Iyer shall be obI igated to the Assignee of this Contract, which Assignee shall have all of Seller's right and remedies. 3 ( f 1, If llny p..'l~t of '-hi~; G.Jl1tT,'Ct. L; 11"ld f,. l.. 111"'1,11, V"lrt I>r llJl"lItf'I'CI-",lJlc, Uklt provision r;tFlll t)t~ d'~(:m#~'(l not: 1.1'1 Il'I'I" t.'..11 -I I-lit ')1 lhJ~; 1:"1\1.1,11:1. \.lhldl ::/),)11 othclVlr;r! n:'mairl fully f:iC'Jctl'I", n. i\PPLICN3LE LAW: ll1i,-; Agre.,ment. 1111. ,,,.:v"t c,tll'.,1 "IX)tl to I" "<ltl:;!.I1I"!. :;11,111 boJ governed by the domestic intern,ll 1,\11:; o)f th" C.-'mmO)tlll'~'llth 0)( l'''tltl':ylv')ll1u f)y'c',pt to the extent supplemented. SUpersed.~1 ()t" pl'''',mpted by ('~kr"l I,JII. 9. CONSENr TO JURISDIcrION. VENUE AND SFRVlcr;: 'nw p.:rrties to this Agreement "onsent and agree that all legal proceedings reluting to the s<Jbject matter hereof shall be maintained in the Court of Common Pleac; of Clunberlam County. Perw;ylvania. or. if applicable. the United States District Court of the Middle Distl"ict of Pennsylvania. and all parties hereto consent am agree that jurisdiction am venue for such proceedings shall lie exclusively lIithin said court. Service of process in any such proceeding may be made by certified mai 1. return receipt requested. directed to the respective party at the address set forth ubove. 10. This Contract shall be biming upon the parties hereto. their heirs. successors. assigns and legal representatives. 11. TIME IS OF 1liE ESSENCE OF '!HIS CONmAcr. OOTICE: ANY ]-JJI.DER OF TI-fIS CONSUMER CREDIT CDNI'RAcr IS Sl.IBJEX:'r TO AU. CLAIMS AND DEFENSEs WHIOi 1liE DEBTOR CXXJLI) ASSERT AGAINST TIlE SELl...ER OF GCX)[S OR SERVICES OBTAINED PliRSUANT HEm;ro OR WrTI-f 1liE POOCEEIS HEREOF. REX:OVERY HERElJNDER BY TIlE DEBI'OR SHALL tm EXCEED AM:Xmrs PAID BY TIlE DEBTOR I-lERF1JNDER. NOTICE TO B.I'irn: (1) 00 OOT SIGN TI-fIS AGR.EElIDIT BEroHE YCX1 REM) IT OR IF IT CClt-rI7\INS ANY BLlINl< SPACE. (2) YCX1 ARE ENITI1.ED TO A <XlMPI..ElUY FILLED-IN COP'{ OF TI-fIS AGREEMENT. (3) UNDER 1HE LAW. YCX1 HAVE 1liE RIGHr TO PAY OFF IN ADV1\NCE 1liE FULL AM:XMr DUE AND UNDER CERrAIN CONDITIONS TO OBTAIN A PARTIAL REfUND OF TI-fE FINANCE C1i1\OOE. OO'lER(S) Aa<NO BE LIDAlLY OOUND B.I'irn (S) : COP'{ OF TI-fIS CON'mAcr AND ItmlID(S) TO I AGREE TO REPAY AU. AMOUNTs DUE ON THIS WAN IF TIlE IDRROWER(S)IBUYER(S) FAILS 10 IX) SO IN ACCORDANCE WITI-f TIlE 1ERMS OF 1liE ~ SfUDENr a:JSIGNER / (];/111{J1)rrXJ /jj~ DATE: DICKIN9JN COlL83E ( f1,<r(16 BY ~8 ~ 4 I " ( (" .. . :.\ \..:.:..:., ~ .1 ~\ " \.i! 1>I'1{JlI.l'1I Il,I.!J):!: 11.1::':11:1.1: I'Jll^W:n,; :,y:nTI1 . ';01)1) P!J,1l IJO''\T/'i1l^1. "',I,; Mil' .:il,VI"/:; 'ir':/'All. IN:~/'^,JJ.frlr/' il'll!1iN'/, I ,lli,\ 'j J I ~ It! . I), t "''''J' II, 1 ~91 r, :;.~ 1 I f~r- : Illd".: In:'"'fl ('llll''(1f'. G:n-J i~il(!. Penn.:l'Y 1 Wlflltl 1701] fl,yer(,,) : .--------.. .-.----.---.-- Richard T, and Suzanne Corter 1475 Washington Lane ----~-_.__._---_._-,._.- '---. --- --,.-.---.. '__u.__ Wnct (heeter, PA 19382 -------...-.-- ff the"e is mo!"!, th,'In on" /Juyer. ",leh ot you wlll be obi Jgatecl. Jointly ard seVerally, for ,jl1 s1lm'" clue lmd for ~h" p...,'(orm\lnr:" ot cd I agreements ,1S provlded in this Con~r'let, Urder the tenns ot thw EfItJCo1tlOnill Goods ard Services R~tail Instullment Contnct. you have agreed to r>jY the '''~p''mes incurred for goods and services to h, provided and l'erdel'ed. <IS the cuse may lJo'. to Cameron S. Corter (hereinafter "Student") durIng his/her enrol tment at Dickinson College durirg the 1991-92 academic.: year. incllJdirg tuition. room and board. b:x>ks and supplies .)S herein stated thereinafter the "Gocx:ls ard Services") . 111e Goods and Services shall lflclude only tuition. room and ooo1rd. II. TERMs OF PAYMENT AND PAYMENT SCliEDULE Disclosures Required by Federal law ANNUAL PERCENrAGE FINANCE CHARGE: AMOUNT FINANCED: TarAL OF PAYMENrs: TafAL SALE RATE: * fullar amount Amount of credit Amount paid by PRICE: Cost of credi t as credit will provided by Buyer as total of Total cost of yearly rate cost Buyer Dickinson College a 11 schectu I ed purchase on payments credit. in- cludirg down payment of :J; 12,980.00 9.500 % $ 4,568,97 :. 7.000.00 :> 11,568.97 :> 19,980.00 Rev 9/89 \. l N\Jmb(~t~ of P,tym('ril:i 13<) 'Vari'1ble Rate: Late Charge: Prepayment: ( ( \.. .;,.1 1 'j1,'1 "!' (.1/'1"1"111 ;, II' !,d. \1111 I.- 0\:; ,..11.1'..1; ^rrl''Il.l111 'It II"yrllt'I\I:; Wllf'tl l'.tYIW'IIt.:; "p~ LJiI(~ }IU.fl ~ ,nl hi Y cCAIlJIlencll'l 1I1It.II_._!1/11l/Ol lJ/;-Bf'Jl on"~, ANNUAl. i'ERCENTN;!': IIAn: 111:;c1oo(.'(1 ,1lxlVe I:; II ,<,ilrjiy'J'! mte ani milY chmqe. 'n,C NlNIJAI. I'I-J,q'llI'AGE llATE IMY inere,,,.:" durirq the tenn of thi~l tn~nsaction if UH~ p1'~ime rIlle of intel"e~t itnn(JlJnced in the Wall Street JourT1ill (l~) of Ulf~ Gla;e of b..1sinc!j~-; on Juno 30 of f~ilCh calcrdc1I' ycar increase", ard wIll !Y.' Inereased to the prime rat.e 1'1'-'" 1%. 'file ANNUAL PI11(T:NTAGE RAn: w, II not increase mOl'c th,1n once ,1 ye"r, ard the new Intel'cst I''-lte wtll become effectlve on July I followirq t.he incrcilse. if ClOy. in t.ho rn-imc rate of intnrcst, Any lncrcasc wi 11 b.~ In the form of higher payment amounts. If your cost of the Goods and Service" sold herculYler we"c $ 7 .000.00 at .2.,,500,_% per annum for _112- months. and the prime rate plus 1% were increased to .1O~.QJL%. your regular monthly payments would increase to $ 87.23 . further. the ANNUAL PERCllilAGE RATE wi 11 not increase to more than 18% or such other rate as may be permitted under the Pennsylvania Goods and Services Installment Sales Act. If a payment is more than 15 days late. a sum equivalent to 5% of the late payment (but no more than $2.50 and not less than $1.00) may be charged. &Iyer may prepay the unpaid balance of the Amount Fimnced an:! any FINANCE Qi1IRGE due through the date of early payment. in full or in part. without pemlty. SEE mION VI OF TIiE COtmlACT BElDW FOR ANY ADDITIONAL INFDRMATION i\IDJl' NQN-PAYMENI'. DEFAULT AND RWJIRED REPAYMENf BEFORE TIlE SQID)IJLED DATE FOR REPAYMENl' OF TIiE >>KXMT FINANCED. III. ITDlIZATION OF AMOUNT FINANCED 1. Cash price of Goods and Services: $ 19,980.00 2. . Tota 1 down payment: 12.980.00 3. Unpaid balance of cash price (1 - 2) : 7.000.00 4. Amount paid to others on Buyer's beha If : 0 5. Amount Financed (3 + 4): $ 7,000.00 2 I n '..l.. ..I ( ( ~'I ~ ~..-"4 IV. IVI]ill !fJ ,lIJ,:M:I'I: ('t't"..II', Ill,. 1/l::I!! "'1'-'. I"l' 'tl/' t", III r.1 I Ii I:: ("'llf "'I'" I:; rVJt '-"11111 t'I'II, V. N< > WMil,'Mll" II.:; 'l1!1-TiE ARE In WAliliAtll"n:;. ITl1rm EXI'IM;SI'!l !>II I Mi'l.nJl. I;rVDl flY ~;J-JJ.IJI IN (111INn:1'I0N Wr/lI SALE OF 'lllE G(.(>If.J ANI! ~;IJNlfl:; oJVml'JJ flY '1111~; OJlfI1W:r IIt1lJ:c; BIYI'JI Ilk; flD:}I GIVEN A ~;Fl)A1iA'/l; WIHTl'FN WARIIM{lY. VI. ADDITIONAL PROVImONS I. fuyel" agrees to P<lY Seller t.he Total Sale Price by makirg the total down payment and payin] Seller the Total of Payments in the number and amount. of monthly pdyments shown in the Payment Schedule. Payments are due on or befOI'" the [;,)m" dilt.e of each month ,E) the first payment date. f"'ynfent." muc5t be mdde to Fl""t Wilchovia. Inc. ilt the following address: First I/achovia. Inc. P.O. fux 70095 Charlotte. NC 28272-0095 2, fuyer's legal rights include the right to pay all or part of the amounts due on this Contract in advance of their due dates. to obtain a refund or credit of unearned Finance Charge whenever the amount is paid in full in advance. and (with Sellel"'s consent) to reinst,)te the Contract if fuyer timely cures any default. 3. fuyer shall be deemed to have committed an "Event of Default" of the Contract upon the occurrence of any of the following: (a) failure to make any payment on or before the date it is due. (b) failure to make a payment on any other Cont.ract outstarding with Seller. (c) failure to perform any other proviSion of the Contract. (d) providing Seller with false informat.ion or signatures, (e) deat.h. incompetence. or conviction of any fuyer of crime involving fraud or dishonesty. (f) insolvency or bankruptcy of any fuyer. 4. Upon or after the occurrence of any Event of Default, Seller will provide fuyer with notice. by certified mail as required by law, addreSSed to fuyer's last known address as shown on Seller's records, advising fuyer of the default and of fuyer's right to cure the default. The notice will provide the t.ime, amount and perfonnance necessary to cure the default. If Buyer does not cure the default as provided in the notice. Seller's rights shall include the right to declare all sums due on the Contract to be immediately due and payable. The fuyer agrees to pay all attorney's fees and other reasonable collection costs and charges necessary for the collection of any amount not paid when due. 5. Waiver by Seller of any Event of Default shall not be binding upon Seller if Seller should thereafter choose to exercise that or any other right or a similar Event of Default occurs later. All Seller's rights and remedies shall be cumulative. Seller's exercise of one or more rights shall not cause Seller to lose any other rights. 6. This Contract is freely assignable by Seller, fuyer agrees that upon receiving notice of the assignment fuyer shall be obligated to the Assignee of this Contract, which Assignee shall have all of Seller's right and remedies. 3 \,:.i, ~ ( f \._....\ '/. It <lflY pllt ld till:; {"Jnt.rllct 1:; I1l'ld 1'1 I.' 111,...,.,1. wIld ('r llrv'n!(IITf_'\1bl..,, lh,lt. provl:il(lCl :;b'll I br. dl'r~'ml_,<l lIot, In h'IVI' t."'l\ d ("loll'''' uf flu:; (,'nnf.t":-Wl., which ~dl'lll f)t.lI"I"WI~;I~ n'm.'11l tldly f!ttt~d.lVI', II. AI'I'LlCAmJ:j.Alo/: 'Il"" A<:weellJl'nt. W:wlI.:w'r' c.sJ 1,~1 ur)')n to be comt.nJ"j. ,:h,111 be '1oveniCd If; t.'he dome"Uc int.er'""l 1,lw,; ...1 the Commonwealth of Penfl.";ylv"ma except to tilt! f~>:t.t:llt :i\JIJpl(~!nf.'ntf:d. ~nl~)(.'r~'H~I('(1 ()l" l,n~(_'mpt('d hy (('(,101"(11 IdW. 'J. CDtmf!. 11:> ,JURI,t,mCrrON, VFNLlE AND Sl'llV!Q::: 11lC purtle" t.o thi" Agreement. consent and ogree that. all legal procecdir",I" relatJr<] to t.he subject. matter hereof shall be Oldintolned in t.he Court of Common Plea:; of C\.unbcrlam. Count.y. Pennsylvania. or, if applicable. t.he United St.ate~ District Court of the Middle District of Pennsylvania. am. all pilrtie~ h',reto consent. am agree that jurisdiction am. venue for such procecdioJs shall 1 ie exclusively within smd court, Sendee of process in any such proceedir<] may be made by certifiP.d 1lk1i I. l'etul'n receipt requested. directed to the respect i ve party at the address set [or.t.h arove, 10. This Cont.ract. shall be binding upon the ~lrt.ies hereto. their heirs. successors. dSsigTk~ and legal representatives. 11. TIME IS OF 1liE ESSE}lCE OF nus OOmRi\cr. ~ICE: ANY HJWER OF nus OONSL/MER CREDIT OOl'ITRACf IS stlBJEX:T TO AIL CLl>.IMS AND DEFENSEs WHIOi 1liE DEBTOR c:aJU) 1ISSERT AGAINST' 1liE SELl..ffi OF GCXlOO OR SERVICES OBTAINED PURSLlAm' HEREro OR WITIi 1liE POCCEEm HERroF. Rro:iVERY HEREllNDER BY 1liE DEBTOR SHALL ~ EXCEED AMOtJmS PAID BY 1liE DEBTOR HEJID1NDER. mITCE TO BUYER: (1) IX) ~ SIGN nus AGRmIENI' BEFORE YOU READ IT OR IF IT CXlNTAINS ANY BLANK SPACE. (2) YOU ARE ENlTILED TO A CXlMPLETELY FlUID-IN copy OF nus AGREDlENr, (3) UNDER THE: LAW, YOU HAVE 11iE RIGHT TO PAY OFF IN ADVANCE 1liE RILL AMYJ1.IT DUE AND UNDER CffiTAIN CONDITIONS TO OBTAIN A PARTIAL REl'lJND OF TIlE FINANCE 0iAI\I3E. COPY OF TIiIS <XlNTRAcr AND INTEND(S) TO BUYER(S) : I AGREE TO REPAY AIL AMOIJJoITS DUE ON nus WAN IF THE IDRROWER(Sl!BUYER(S) FAILS TO IX) so IN ACCORDANCE WITIi THE/~ OF 1HE ~ A f--... SIUDrnr COSIGNER j>( j/ J/JrPO/l,rn: U)fPLiQ-d 'j DAlE: DICKINSJN OOlLEl3E /0 -. .3/- c; ( BY 01v,-'!j <?~ '- 4 f' ( , " J Dlo<m::Dll cx)u..illE I-U:XIUU: FHWlCm3 ;;Y~J1}}1 - 2~}O() I'!.AN EWCATlONAL 0Xi00 MID srnIJIC?l m:rAII. H{,TMHlI.Ur o)t(mllC:r I),lc April 16, 1992 1. Soller: fuyer(s) : Dickinson College. CarliHle. Pennaylvania 17013 Richard T. Corter 1475 Washin9ton La~~_ West Chester, PA 19382 If there is more than one fuyer. each of y= will be obligated. jointly ard severally. for all = due an:1 for the perfonnance of all agreements as provided in this Contract. Urder the terms of this Fducational Goods ard ServicC9 Retail Installment Contract. you have agreed to pay the expenses incurred for goods ard services to be provided. and rerdered. as the case may be. to Cameron Corter (hereinafter "Student") during his/her enrollment at Dickinson College during the 1991-92 academic year. including tuition. room ard board. books an:1 supplies as herein stated (hereinafter the "Goods and Services"). The Goods and Services shall include only tuition. room and board. II. TEmIS OF PlIYMENr AND PlIYM':NI' SOlIDULE Disclosures Required by Federal Law ANNUAL PrnCENl'1IGE FINANCE QllI.OOE: l\loOJNT FIN1>.NCED: 1UIAL OF PlIYMENI'S: 'IOI'1IL SALE RATE : Dollar Amount Amount of credit Amount paid by PRICE : Cost of credit as credit will provided by fuyer as total of Total cost of yearly rate cost fuyer Dickinson College all scheduled p.n-chase on payments credit. in- cluding down Prior to repay- payment of ment: 11.000 % $17,560.00 D.Jring repay- ment: 11.000 % $ 2.078.09 $ 2.420.00 $ 4.4911. 09 $19,9RO.OO f ( .J. Il'::." .. 1,,:-,"...,1 ,','I,..I'IJ.' wIll I.' .1' t.oIl..'""; :~lUIl}".t. ',1 1",:;rn'''llt.:: Anll.'IIII' 111 !'.'yrrl"llf.:: W'rl('f\ IJ,~,/nlf.I\I:~ ,l)'~ r"lf~ 7.5 $7.7..18 IT....nUdy,;.)mm'''''"tr'' 4(7.8/..9L__. Mvl cont.in\OifYJ llIltll _4f7.!l/~_~ '" ,.1leh t.lme ,'" :~t.lldcnt i" tv) len]"," enPJII"d .It f)H,ki~lOn '(or in on '1{)prQv(.,'d fllll--tllTi'.' f1ff+ct.'\mpu3 prOJram of stud les). wh Idlev,,,' 1:) e.~rl ier. 72 $46.06 monthly commenclrv] 5/28/94 er such timf) as St.udent is no lonqer enrelled at Dickinson lm' In an app,'eve<.1 (ull..time off-cll/llpus program ef studIes). whichever is eorlier. l,~'-e ch.'rg>:-: If 0'\ p<l,'TIl'~nt. IS more th.~n 15 ck'ys lat€'. a sum equivalent te 5% ef the late poym~nt (bJt ne more than $2.50 and not less than $1.00) may be charged. F'!~~[.),~yment : Buyer may prepay the unpaId balance ef the Amount Financed and any FINANCE: CHARGE due thn:ugh the date of early payment. in full er in part. without. pcnctl t.y. :;,I:.r. :~'F.)~rr.(1N VI OF TIlE <))NTRl\Cr BElDW FOR ANY l\DDITIONAL INFORMATION ABJtTf ~AYMEm". DEFAULT AND REl.iUIRED REPAYMENT BEFDRE mE S<..t-lEDULED DATE FOR REPAYlIDIT OF TIlE i\M:XMr FINANCED. II 1. ITDlIZATION OF AOOUlIT FINANCID 1- r;ash pt~ic;e of Goc:<ls and Services: $ 19,980.00 '. Tetal down, payment: 17,560.00 3. IJnp.3 id b3.lance of cash p,'ice (1 - 2): 2,420.00 4. ~.rnount paid to ethers. on Buyel"s behalf: 0 5. Amount Financed (3 + 4): $ 2.420.00 IV. CREDIT INSURANCE Credit life in.-.;urance fer the tenn of this Contract is not required. V. NO WARRAloITIES TIlERE AHE 1-1<) WARP.AlITIE:::. EITI1ER EXPRESS'ED OR IMPLIED. GIVEN BY SEI.LER IN CONNEr.ITON' ~IITI-l SALE (IF THE 'YYJOO AND SERVICES COVERED BY THIS COt-ITRACf tJNI.E3S BUYER HAS BEEN GIVEN 1\ ;:''EPi'\RJITE WRIonUI W.~F:PA}rr{. ? . . . . . ,1:' ~. . ~/ I ... '.'" ..,.. .,...-.~-.__._._-,-.._-- ;\r1!JiTJr ,nM. ; ';.. :Jl:;1I iI,'; r --..----..-....., ...'.................:...:.. . .. 1. l).Jycr ,1(Jl-e,)~, t.o r"y :~, I I et. the Tot..." ~: II" "ne., hy 1I'.1k ID] !.II" totdl down IJ.1ymcnt '1l1d P.1yirq &'llcr t.he Tot,,1 at P"ymentr5 in U", mllnl:.'r MY[ "mount of monthly payments sholm in the P<lymcnt Sell._,!"t.,. P.)yments <n-c d"., ')n r,,- ly,fore 1.11" S<lmc diltc of c.1ch month as the firnt p.lyment rJ.Jl... - Puymcnts mur;t ho, m..,,[.' to F]r~;t VI,lChoVEI, Inc _ at t.he followifY) .1d(h-c~,,;: First W.)chovi.). Ille. I' . O. fu:~ 70095 Charlotte, NC 28272-0095 2. fuyer's legal rights include the right to pay all or part of the amounts due on this Contract in advance of their due dates, to obtain a refund or credit of ~~earned Finance Charge whenever the /llDOunt is paid in full in advance, and (with Seller's consent) to reinstate the Contract if fuycr timely cures any default. 3. fuyer shall be deemed to have committed an "Event of Default" of the Contract upon the occurrence of any of the following: (a) failure to make any payment on or before the date it is due, (b) failure to make a payment on any other Contract outstandirq with Seller. (c) failure to perform any other provision of the Contract. (d) providing Seller with false information or Signatures. (e) death, incompetence. or conviction of any fuyer of crime involvin] fl'aud or dishonesty. (f) insolvency or bankruptcy of any fuyer. 4. Upon or after the occurrence of any Event of Default, Seller will provide fuyer with notice, by certified mail as reqUired by law. addresSed to fuyer's last known address as shown on Seller's records, advisin] fuyer of the default an:i of fuyer's right to cure the default. The notice will provide the time, amount- and performance necessary to cure the defaul t. If fuyer does not cure the default as provided in the notice, Seller's rights shall include the right to declare al! SUJIlS due on the Contract to be immediately due and payable. The fuyer agrees to pay all attorney's fees and. other reasonable collection costs an:i charges necessary for the collection of any amount not paid when due. 5. Waiver by Seller of any event of default shall not be binding upon Seller if Seller should thereafter choose to exercise that or any other right or a similar Event of Default occurs later. All Seller's rights and remedies shall be cumulative. Seller's exercise of one or more rights shall not cause Seller to lose any other rights, 6. This Contract is freely assignable by Seller. Buyer agrees that upon receiving notice of the assignment fuyer shall be obI igated to the Assignee of this Contract. which Assignee shall have all of Seller's rights and. remedies. 7. If any part of this Contract is held to be illegal. void or unenforceable, that provision shall be deemed not to have been a part of this Contract, which shall otherwise remain fully effective. 8. APPLICABLE LAW: This Agreement, whenever called upon to be construed, shall be governed by the domestic internal laws of the Commonwealth of Pennsylvania except to the extent SUpplemented. superseded or preempted by federal law. 3 , . f' ( . . ,i ! I l 9. C()!olSE}IT TO JURISDICfION. \IENlJE AN!) mlNIQ-;: 'I he ~rtien to thi!! I\grcemcnt come.nt ani agree that all legal proceedirg3 I'clatirl] to the aubjcct matter hereof ehall 00 maintained in the Court of Common Plea!l of Qunbcrlard County. Pennsylvilflia. or. if applicable. the United State!! Di!!trict C~lrt of the Middle District of Pennsylvania. am all parties hereto consent am Clgrec that juri5diction am venue for such proceedirgs shall lie exclusively ',liUjin s<lid court. Service of proces9 in any Buch proceedirg may be made by certificdlMoil. return receipt requested. directed to the respective party at the address set forth dbove. 10. This Contract shall be bimirg upon the parties hereto. their heirn. successoro. assigns ard legal representatives. '-{ - I Lr 9l- BY ~~ 11. TIME IS OF nIE EESEllCE OF nns Cl:)l-(ffiACf. NCJl'ICE: AN'{ Ji:)lI)ffi OF nns CONSUMER CREDIT CONIRACf IS SUB.JEX:I' 10 AIL CLAIMS AND fJfFf2SES WHIO{ nIE DEIITOR COOlD ASSERl" lIGi\INSr nIE SE!..LER OF GOOOO OR SERVICES OBThINm P\JRSU1INl' lill.a:a 0 OR wrrn nIE PROCEEIX3 HEmDF. REroVrn'i 1IDWJNDffi BY TIlE DEBI'OR Sfl1ILL NC1l' Ell:CEEIl ~ P1IID BY 'mE DEIITOR HrnE1JNDffi. NCJl'ICE TO BM:'R: (1) 00 NC1l' SIGN nus 1>.GREE}oIDfl' BEFORE YOO REIID IT OR IF IT CONTi\INS 1IN'{ BL1INK SPliCE. (2) YOO lIRE ENfJ.1UD 10 11 o:::ffi'LETELY FII..LID-IN CfYi'Y OF nus~. (3) UNDm TIlE lAW. YOO II1IVE TIlE RIGHT 10 P1IY OFF IN i\DV1INCE TIlE FUlL >>O.INT roE AND UNDER cmr1IIN CONDmONS 10 OBTllIN 11 P1IRfIi\L REfUND OF TIlE FItwlCE a-IARGE. BJYFR{S) 1Ia<OO'tlLID3E(S) REX:EIVIN3 11 BE LFl311ILY roJND BM:'R(S) : CfYi'Y OF nns CONTRlICf AND INlnID(S) 10 I 1IGREE TO REP1IY i\LL MoKXJNTS DUE ON nus L01IN IF TIiE 'OORRQWER(S)/BJ'iE1<(S) Fi\ILS 10 00 00 IN 1ICCORDANCE WTIH TIlE 'ImlS OF sruoENI' CC6IGNER / ~RANSCRIPT' DENT'S RECORD WILL NOT BE RELEASED IF LOAN PAYMEN TO THE COLLEGE ARE IN ARREARS OR DEFAULT. DlITE: DIOONs::lN OOLLEl3E 4 . I:l ,. ., a .c ( 1"1; I' "',,: - " '1 (' " t,<:. DICKINSON COLLEGE F{,EXIDI,E FINANCING SYSTt:M - PI,AN D EDUCATIONAL GOODS AND SERVICES RETAIL INDTALJ.MENT CONTRACT Oata _________F_ebruar~_1.2,__199~__ !' 1. Sellor: OLckinoon Collego, Carliolc, PonnoylvanLa 17013-2896 Richard T. and Suzanne Corter 1475 Washington lane West Chester, PA 19382 Buyer(o) : If there io more than one Buyer, each of you will be obligated, jointly and severally, for all Duma due and for the performance of all agreements as provided in thin Contract. Under the terms of this Educational Goode and Serviceo Retail Installment Contract, you have agreed to pay the expenseD incurred for goods and services to bo provided and rendered, au the caBO may be, to (hereinafter "Student") during hio/her enrollment at DiCk nson College durLng the academic year, including tuition, room and board, books and supplieD as herein (hereinafter the -Goods and Services"). The Goods and Services ahall include only tuition, room and board. , i ! II. TERMS OF PAYMENT AND PAYMENT SCHEDULE Dieclosures Required by Federal Law ANNUAL PERCENTAGE FINANCE CHARGE: AMOUNT FINANCED: TOTAL OF PAYMENTS: TOTAL SALE RATE:. Dollar amount Amount of credit Amount paid by PRICE: Cost of credit ao credit will provided by Buyer AD total of Total cost of yearly rate coat Buyer Dickinson College all ocheduled purchase on payments credit, in- cluding down payment of $ 17.760.00 7.50 $ 1,584.44 $ 3,600.00 $ 5,184.44 21,360.00 \ $ Rev 2/92 f r f '/. l'I'}tl J~' : :::,t:Hl',~;'. '): r.n~dil lif.. infl\II-.II\1"1' fIll" thl' J"lfll Ilf thill (~(jntr,lct. 1~1 not. rtJfluirnd. '/, HI) W^,IItMlTf~:~~ THERE 1\RJo~ NO WARRAtlTIES, f:ITItER I-:XPiU:!i!;~:D OH IHPI.IED, GIVEN BY' SELl.ER IN' CONNECTION' WITH SALE OF THE GOODS AND SF.HVICf:~ COVEUr:O HY 'I'll J!; COUTHACT UtlU,:SS nUYf:R liAS nEEt~ CIVEN A SEPARATE WRITTEl/ HARRIll/TY. VI. l\IJDI'ftOUl\I. JlJtOVI~; IOtl5 1. Buyor agrooD to pay Soll~[" tho Total !;t\Ju Prico by maki.ng tho total down paymont and paying Sol lor tho Total of paymontn in tho numbor and amount of monthly paymonto Dhown in tho Paymont Schedulo. P~ymonto arc duo on or bofore tho BArno date of each month aD tho ftrot payment dc'\t:o. Pflymonto must be made to First Wacha.., ia, Ine. at tho following addrcnn: Firat Wachovia, Inc. P.O. Box 70095 Charlotte, l/C 28272-0095 2. Buyer's legal rights include the right to pay all or part of the amounts due on this Contract in advance of their duo daten, to obtain a refund or credit of unearned Finance Charge whenever the amount io paid in full in advance, and (with Seller's conoent) to roinotato the Contract if Buyer timely cures any default. J. Buyer shall be deemed to have committed an "Event of Dofault" of the Contract upon the occurrence of any of tho following: (a) failure to make any payment on or before the data it io due, (b) failure to make a payment on any other Contract outstanding with Seller, (c) failure to perform any other provioion of tho Contract, (d) providing Seller with false information or BLqnaturea, (e) death, incompetence, or conviction of any Buyer of cr~e involvinq fraud or dishonesty, (f) insolvency or bankruptcy of any Buyer. 4. Upon or after the occurrence of any Event of Default, Seller will provide Buyer with notice, by certified mail as required by law, addressed to Buyer's last known addresB as shown on Seller's recordo, advising Buyer of the default and of Buyer's right to cure the default. The notice wi11 provide the time, amount and performance necessary to cure the default. If Buyer does not cure the default as provided in the notice, Seller's rights shall include the right to declare all Buma due on the Contract to be immediately due and payable. The Buyer agrees to pay all attorney's fees and other reasonable collection costa and charges neceBsary for the collection of any amount not paid when due. s. Waiver by Seller of any Event of Default shall not be binding upon Seller if Seller should thereafter choose to exercise that or any other right or a similar Event of Default Occurs later. All Seller's rights and remedies shall be cumulative. Seller's exercise of one or more rights shall not cause Seller to lose any other rights. 6. This Contract is freely assignable by Seller. Buyer agrees that upon receivinq notice of the assignment Buyer shall be obligated to the Assignee of this Contract, which Assignee shall have all of Seller's right and remedies. 7. If any part of this Contract is held to be illegal, void or unenforceable, that provision ahall be deemed not to have been a part of this Contract, which shall otherwise remain fully effective. 8. APPLICABLE LAW: Thie Agreement, whenever called upon to be construed, shall be governed by the domestic internal lawn of the Commonwealth of Pennsylvania except to the extent supplemented, oupereeded or preempted by federal law. :i , , " f r 9. ~Cjf.NT~'}JlJH.mH~;_J'tQ~.I____y.}o:~lJ~~_I\NR_[;_~;H.~..tgt~: The part loo to lhin 1\l)t"ucmont conoont and ^grco that all legal l)rOcocdin~" relating to tile "ubjcct matter heroof ahal1 bo maint.ained in the Court of Cornman Ploao of, Cumberland County, Ponnoylvania, or, if applicable, tho United statuD OLutrict Court of tho Middle Diotrict of PonnnylV'Ania, i\nd all partieo hereto conocnt and agree that jurlodictlon and venUQ for Duch prococdingo otlall lic DxcluoLvoly within oaid court. sorvico of praceno in any ouch proceeding may be mado by cortifiod mall, roturn receipt roquontod, dirocted to tho roopcctlvc party at tho addroDa uat forth abovo. 10. Thin Contract ahall bo binding upon tho partioo hereto, th~lr holro, OUCCQoooro, 40019no and legal roproacntat1voo. 11. TIME IS OF THE ESSENCE OF THIS CONTRACT. NOTICE: ANY HOLOER OF THIS CONSUMER CREOIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH TilE PROCEEDS HEREOF. RECOVERY HEREUNOER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAIO BY THE DEBTOR HEREUNDER. NOTICE TO BUYER: (1) DO NOT SIGN THIS AGREEMENT BEFORE YOU READ IT OR IF IT CONTAINS ANY BLANK SPACE. (2) YOU ARE ENTITLEO TO A COMPLETELY FILLEO-IN COPY OF THIS AGREEMENT. (3) UNDER THE LAW, YOU HAVE THE RIGHT TO PAY OFF IN ADVANCE THE FULL AMOUNT DUE AND UNDER CERTAIN COllOITIONS TO OBTAIN A PARTIAL REFUND OF THE FINANCE CHARGE. BUYER (S) ACKNOWLEDGE ( TO BE LEGALLY BOUND Y BUYER{S) : COPY OF THIS CONTRACT ANO INTENO{S) I AGREE TO REPAY ALL AMOUNTS DUE ON THIS LOAN IF THE BORROWER{S)/BUYER(S) FAILS TO 00 SO IN ACCORDANCE WITH THE TERMS OF JHE NOTE: STUDENT COSIGNER jJ11{pAiY/) tA (tr; k ../ TRANSCRIPT ;;;;:. STUtlENT' S RECORD HILL NO'r BE RELEASED IF LOAN PAYMENTS TO THE COLLEGE ARE II{ ARREARS OR DEFAULT. DATE: DICKINSON COLLEGE '2-(Q-'1"? ~ s>-- BY '. } II 11 I ,', t ,. ) f, <I t I n .. . ' , ,. ; 1111', r'll \1111 II....,., '" ,,'.,., I., "", 0.,..,.." :'\\1 ,..1' \\1 I),,, ,d 1<, (jallo"a,'. l:s,!uuL' ,\J..\lnso'\ 1l/,,.\I<IJOf<I'/ \\/III:1\IS 8.: Of /(l I"" 1:;"1 Iligli SI/WI <':., Ii S Ie. 1',\ 17013 (71712./1-33.11 :lIIOI'IIL'.lS IiiI' f>1"iuli"" I JI( 'K I'\S( J'\ ('( JII H i/;. l'la;"lllf 1.\ /IIL (,OIl< I 01, ('O\l\l():\ l'I.E:lS OF ( 'I '\IIll-/< I.:\'\/J ('01 ':\IY. f>U,i\:SYI. VANIA \', i\:O, ')S-r.1.1S ('1\'/1, :\( 'TlO'\-I.:I II' I<I( 'liARD T, (,OR1ER. C,\,\f1:f<ON CORTI;R ""d SUZANNE COInER, Ikleud"nls WR Y TI<I,\I. Of.'IIl'EI.VI: DHvlANDED PH" E('f I'E TO TilE I'IWTIlONOTA/<\': Enter def:ndt judgment in the ahol'e-caplioned aclion in lill'or of Plainlif,. and against Delendanl. CAi\IERON CORTER, in the sum of 524.')44, I () plus interesl /i'0Il1 Seplemher 14. 1998. al the rate indicated inllie indil'idual contracts allaelied to the Complaint. plus lale lees. costs of suit. allorneys' lees and collection costs. I certify that a written notice of intention to lile litis Praecipe (in the lorm attached hereto) was mailed to Delendant at her last known address on April 29. 2005. which date was subsequent to the date def:llIlt occurred and at least ten (10) days prior to the dale of the Praecipe. Dated: June 17, 20()5 MA~RTSON DEA~R~Oh~FF WILLIAMS & OTTO ~ -2<LJ"~ By _ _ Dal'id R. Galloway Attorney 1.0. No. 87326 Ten East II igh Street Carlisle. PA 17013 (717) 243-3341 Attorneys for Plaintiff ,Itll ""'I'" 'I, ',\I David J{ (;;1111111.11,1,'1"'''' ;'v1 A I{ TSON 1)1',,\10)( )In I "'" I \ \J S ,\ f) 1 If) Tell ":"sl IIigh Slll'l'l ('"rlisle.PA 17111\ (717) 2.\1-.11.11 Altollleys ",,'''1,,11I1111' DI('KINSON ('Of I I-< oJ', Plailllill' ,.-. - - .------- -- 1'\ 'I'll" ('01 iln OH'O,\I:-'ION PI."AS OF ('I J,\IIII:RIi\ND ('01 iNIY. ""NNSYI.V AN/A v, NO, IJS_I> US ('IVII. :\('TfON-I.A W RI(,I lARD T ('Oln"R, (',\I\II'I{( IN (:ORTER "lid SI/ZANNE ('( JI{T"R. Iklclld"llls .II1R Y TRIM, OF TWEI.VE D"MANDED TO: C'AMEIWN S. (,OIHE/< 1i\/l'ORTANT N()''-'/CE YOU ARE IN DEFAUI.T BECAUSE YOU IIA VE FAILED TO ENTER A WRlTTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBl ECTfONS TO TH E CLAIMS SET FORTH AGAINST YOU, UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE ,JF THIS NOTICE, A JUDGMENT MA Y BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE Tf lIS PAPER TO YOUR LA WYER AT ONCE, IF YOU DO NOT HA VE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LA WYER, THIS OFFICE MAYBE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. ~ Ci.~~ .:g ,--~ -~ Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 SOllth Bedford Street Carlisle, PA 17013 Telephone:(717) 249-3166 MA RTS~!,A~~..9fF . /' -:r. .. /" J,)J-v\ BYf),~~i;'-rh~a~, 8,]uire [", /.D, S7326 Tell East High Slreel Carlisle, "A 17013 (717) 2"U.3341 D"te: April 21). 20115 AlIomeys for Plainciff nil 1111('.\ II OJ SIII\J('I' I. .Ie;1I1laylol. all all1h",i/ed a!~L'lIt of \f..\I1 I S()\ I )I',\RI)( lJIH \\'II.I,I.,\\IS &. ()llO, L, , ~ ~, ~ hlTc..:hy l'lTtify thaI ;Il'Opy tlflhL' linl'gtllllg 1'1;ll'l'IPl' \\ ;1'> ....L'I'\ L't! lillS d;lk' by dl'P,llslIil1g '><lIIIL' illlhl' Post Oflil.'L' all';Jrlisk', P,\, Jirst rb:;s IlIail, pll:'llol~'.l' 11Il'p.lld. .JddIL'.........l'd <t.... Jilllu\\ '>. \Is, (';II11eloll ('orler 1(,(,(, \\' esl !Joe RUII Road KellllL'1t Sqllare, J>" 1'J.14S- I SSS . Ms, Suzalllle \1. \kcoueh II () North Village I.alle Chadds Ford, P" J 93 ) 7-')3'27 ,. \IARTSON DEARDORFF \VII.L1MvIS &. OTTO , "l . l3y~____~~2-_~__~~___.L~ ~_ .lcall l,aylor ( , Tell East High Street Carlisle, f'A 17013 (717) 243-3341 ~~ I:, r , Dated: .Iulle 17,2005 1 , ! I , \ ~ . $, :~ ~ . r k " , ~ . , ,I , \ '~ ;{ \1 ;! c 1( G ~ __ 1 F- ~ ..t:: ~~ ...... ~ C\ 0- ~ :-Cl D D U (\ r-- ( -., c' , '.""" " , :'.~ ~ , ", .. ., . , - - I'.) , , - C-. ~ I; ~ ~ I ~ ~' r I I ~ J2 ""-- -( r---- p-' , ; , I I 1>"\ld R, (i",ltl\\"~, hqllllC' ~lt\RISO' I>I'..\RI)()RI'I' \\'111 \.\\IS S. oliO h'lI i:"stlllgh SlICe! C"disk, I'A 17111.1 (71 7) ~ .\.\-.'l,1.lI ,\tl"rn~y" illr I'lailllll'!' IlICKI:\SO' ('OII.I'(il:. I'lailltll'!' "II II" ('01 'R I m (,0\1~10N I'I.i:AS OF ('I :\llll'RI.A") ('01 'NIY.I'I:Nr\SYLV ANIA \, N(), 'iX.hl:1x CIVil, ACIION-L\ \\' RICIIARD T, CORTER. C:\~lI:RO;sJ CORTER and SUZANNE CORTER. Ild"llllanls JURY TRIAL OF TWELVE DEMANDED TO: CAi\IEROi" CORTER, DEFE:"DANT :'oOOTICE OF E:'oOTRY OF DEFAULT ,JUDGi\lEi"T You ar~ hercby notilicd that on Junc.lL. 2005. dcfault judgmcnt \\'as cntercd in thc abo\'c-caption~d aclion in favor of Plain tilT and against, C:\i\IERON CORTER, inthc sum of 524,944.16 plus inlcrcstlrom Septcmbcr 14. 1998. atthc ralc indicated inthc individual contracts ","d,," '0 "" C",,,p"''''. pho ,," r,,,. '01C;;2'~'.z:: "',,. Prothonotary " I hereby certify that thc name and address of the propcr pcrson to reccivc this noticc under Pa. R, Civ, p, 236 is: Ms. Cameron Corter 16()6 West Doc Run Road Kenncll Square, PA 19348-1558 MARTSON DEAR ORFF WILLIAMS & OTTO Date: J unc 17, 2005 , By-'-: David R, Galloway Allomeys for Plainti ff AS OF J~ - JI - cl6()~ CASE# 191~~ (p /3 a-- HAS BEEN SCANNED. ALL EARLIER FILINGS TO THIS CASE HAVE BEEN MICROFILMED. t F:\FILES\DA T AFILE\DickinsonCollege7619\Collections\Current\ 7&\ 7&.aff.seMcel Created: 2125103 10:47:37 AM Revised: 1211 1106 2:59:34 PM 7619C.92 DICKINSON COLLEGE, Plaintiff IN THE COURT OF COMMON PLEAS OF CHESTER COUNTY, PENNSYLVANIA v. NO. 95 05352 q8-lal38 CIVIL ACTION.LA W RICHARD T. CORTER, CAMERON CORTER and SUZANNE CORTER, Defendants AFFIDAVIT OF SERVICE COMMONWEALTH OF PENNSYLVANIA ) : SS. COUNTY OF CUMBERLAND ) I hereby certify that a copy of the Writ of Revival in the above captioned matter was mailed to Michael G. Louis, Esquire, 17 West Miner Street, P.O. Box 660, West Chester, Pennsylvania 19381, by certified mail, restricted delivery, return receipt requested. Attached is the Post Office return receipt signed and dated November 8, 2006. MARTSON DEARDORFF WILLIAMS & OTTO By CL~ S YL- Christopher E. Rice, Esquire Attorney J.D. No. 90916 Ten East High Street Carlisle, P A 17013 (717) 243-3341 Sworn to and subscribed before me this /1 !Iv day of December, 2006. ~ yt, Q~ Not Public . I..UMMONWEALlH OF PENNSYLVA['lI,1 Notarial Seal . Mary M. Price, Notary Public Carlisle Bora, Cumberland County My Commission ExpIres Aug. 18,2007 ~."""'~"'--~~~r. Oer-pl:',\fl'-l?itl,8 t\SsOClatloo of No\arie'?, ,- i' 1_. Complete items 1, 2. and 3. Also compl$te item 4 if Restricted Delivery is desired. . Print your name and address on the reverse so thatwe can return the carcl to you. . Attach this carcI to the back of the mail piece, or on the front if space permits. ~:;::;:J; ~ 7u4/ 1t;~ LfJ: ~ ~ /7 l~ 1!1~ pJd. p 0 t3ll7t ~ ti ~J~ ~ f~ (13c?/ 2. MldllIoIun'm.r (TtwwIer Ihlm.... /IfbeO PS Form 3811, F4bu8ry 2004 3. ServlceType CtCertifled Mall 0 Express Mall tJ Registered 0 Return R8celpt for Merchandise o Insured Mall 0 C.O.D. 4. Restrtcted Delivery? (Extta Fee) 0 Yes 700b 0810 0000 7873 SObb DomeetIc Return ReceIpt 102S1H2-M-1540 U.S. Postal Service. CERTIFIED MAIL RECEIPT (Domestic Mail Only; No Insurance Coverage ProvIded) .J:I .J:I c:J IJ1 rn I"'- ~ I"'- Postage $ g . Certified Fee c::r . Return Receipt Fee c:J (Endorsement Required) c:J Restricted Delivery Fee .-:l (Endorsement Required) ~ c:J Total postage & Fees $ .J:I C C I"'- $2.40 l#~~~...,:~ (::)' 1- \0 .J , 6 'il ~,.A i, '" )1:4>, , \,:i,l;~p / ! , ll/t16-/~''';'/ ,,-;tt,' $1.85 $0.00 $4.64 ~ cg. ~ ~ - - ') 'J ~ .-\ -,- .." rDF :{j \2:~ ; :~; (1): -0 ~ ,)" ':rjP' ~~ "'1.,;v ':.2. <-2 ::;:- f'oJ