HomeMy WebLinkAbout98-06943
4. On or about July 23, 1992, Defendant did complete and execute Plaintiffs Loanliner
Application, thereby requesting Plaintiff to extend credit to her. A true and correct copy of said
Application is marked Exhibit "A", attached hereto and made a part hereof.
5. On or about July 23, 1992, Defendant did execute Plaintiffs Loanliner Credit Agreement,
thereby agreeing to all terms and conditions of Plaintiff. A true and correct copy of said Credit
Agreement is marked as Exhibit "B", attached hereto and made a part hereof.
6. Defendant did make payments to Plaintiff on said loan and, subsequently, did request
further monies, as evidenced by Plaintiffs Loanliner Advance Request Voucher and Security Agreement
executed by Defendant on or about July 18, 1995. A true and correct copy of said Voucher and Security
Agreement is marked as Exhibit "C", attached hereto and made a part hereof.
7. The principal balance due and owing by Defendant to Plaintiff on this account is EIGHT
THOUSAND, lWO HUNDRED SEVENTY-EIGHT DOLLARS AND lWENTY CENTS ($8,278.20). See
Plaintiffs Statement of Account marked as Exhibit "0", attached hereto and made a part hereof.
8. Due to Defendant's default in payment of the aforesaid amount, interest has been added
to said account in the amount of FOUR HUNDRED SEVENTY-SEVEN DOLLARS AND THIRTY-ONE
CENTS ($477.31). See attached Exhibit "0".
f\uS[1'NiONM[.JO\VW'1l~UWIlt.CL,vc\;;;~~~~~:[ ,C~.~:~::".~
2
Application
)~("
-
HOW'lO
APPLY
1
NOTE AND
COMPLETE
STATEMENT
OF INTENT
.,
2
APPLICANT
INFORMATION
3
EMPLOYMENT
INFORMATION
M:llTAr.y
4
i1EFERENCr3
/'':>.l~'" ;nC'liC"
.<;ltet~r, C;/i', .'~:,:i~'~
"l"rt."4~
C.lmp Hili. PA 17011
(717) 737.41G2
,
f.. Pleaso complete red sections 1 throu~ll' 8. 8'~ sure to check .11,1 applicable boxes.
. Sign section 9 .
. Return 1I,i5 (),pplicnlion~o the Credit Union
.
Check tho approprloto boxos to indlcalo 1110 Iypo of accounl(s) and Iype of cradil fo, which you aro applying. Married Applicants may
apply for a soparato account.
o LOANLINER" Accountl Loan
o Cmdlt Card Account
o Individual Cmdlt: Complete Applicant secllon. Com~leto Co-Applicant, Spouse, Guarantor (referred to as "Olhe''') section:
(t) about your spouse if you livo in a communily property 5Ialo (AZ. CA.ID. LA. NM. NV. TX. WA. WI). or (2) If your spouse \ViII use
the Account. or (3} if there is a guarantor on this account. Ploase cbeck box to indicate whom the information is about.
t:'f Joint Credit: Provide information about bOlh of you by completing Applicant and Other seclion.
You REQUEST AN ADVANCE OF $ '" l, \ 'l":S Purpose: ,<\.,\ p ,,\\ Ce., 'et ;".,~,;.,
Collateral: \t'tIJ.... c\..~.;,,'}. e~l.rbc...~:#' ...t....\.-.~,.... ...........~r....'..
Repayment: ~Pay'oll Deducllon 0 Cash rg Aulomal;c Payment 0 Military Allotment 0
X Crodlt DisabIlity Insurar1ce
Check cover3g8(~) deSired. The credit union ,....ill disclose the costo! ItllS voluntar'{ insurance 10
you A ~epar,lIH I!'suranc~~ (~leC!lon wllletl Ol!,clost:s tile terms and conditions must bo signed.
tor Cf.)vcr~,ge \0 become el1ectlve
APPLICANT
Please Print in ink cr type.
NAME (laM - Firs1 - IllIl,aJ)
~OC0S~.~ 1~<_,,'l'jh J
ORNER'S LICENSE NUMl\ERlSTATE
'J C - 531.
ACCOUNT NUMBER
:.n'i(..~
BlRl11 DATE HOMCPliONE
- (', .:!d
I S~';~ SE~U~TY N~:;R k
OUSINES::i PHONEI EXT
1./"-7'<.:1 nll,~.)"s-<;'7S~ ,.,,1 1'175-..,51(..
PRESENT ADDRESS (Slfoot- City - SIsts - Zipf ~ Q\"IN 0 RENT
3s,,0 CjLi:> ,.-:.\;<~. VEARS
ATl1~IS L
"Ie n( H.c... \f~" {)C{ j "7 ~ .,,, .ADDRESS
PREVIOUS ADDRESS (SlrtK>t - City - State - Zip) 0 OWN )1 RENT
\1C('j \.)~t1-\""'\t.:l.... ~.t. YEAR::;
jI, . AT THIS
CC"'''''''I_I~H,\1 t:.:.:. \..,c..\\ ADDRESSf.c
COMPLr.Tt f'OA JOINT CHEDIT, SE::CUI~ED CREDIT OR IF YOU LIVE IN A COMMUNITY
PROpeRTY STA'fe: '
!){ MARR1(D CJ SEIWjA.T(O 0 UNMAI~r~I[D (Smglt1 - OI~mc"Cl- WidllWfllll,
LIST A(iE:S OF OCI'ENDENTS NOT U::;TED OY OlliER Af"I'LICANT
1(l:clud.Sollj Vf'\"\C"H..\ (. ....,..,.w--S '~.....('.,.,,,~
NAil!;. AND "D.,I1C35 OF rMPl-Q"([R
'-t:I,....".' M\t... "\C,-.\~"',p .
.t'U..L..!.."'\.'L."U~~'~--S..~~~...:.~J.L-_
TlTLXiGH/\DE SUPLJMSOR
~r.~'..::'~L--
S'Af.lTING CATE
IO/So::l"
If lMPLOYCO IN CIJRR(I.r PO:';ITION LCSS TlMN fivE 'TAns. COMPLr'lC
f'R[vIOUS rMPlOY(f~ !~AM[ "NO AoonC:S$ S1MiTINI; ONE
Ct~l,r( \..t'., \./f".~
IF SElF (MPl.OVeD. "'-WE. OF 13USlt.r:55
-----..---
lNtllNG 0'.1 E
~_._--~>..,- -_.~---_._---_._._.- --..----....--..-
IS pur,:, ::1....1!(lN TfiAN~,f rH ():I'f I..",:"Cl) Ol1H1NQ t~()(" YLN~ :..1 res ;..: I~O
Wlif ro.f [I,jDING I :;r I'Af,AlIOt. O^, I:
NAML f,,,-/:) APDliL :;:; 01 !:flLtJl~(ll\i:;) Of Dll!rz PAl:,) Of I-
G'" ,1(.
_--?.:'~(:::!",~~_~~,,"~'__ ~~~_..____\jl':~..L_j.~':: ,~_1,_~'~.~.",__,~
t-I/lM[ ""I~(~ t,[",('d'f :s (IF "'[^Hl~~l qr ll,'l'h/\': ~
~m I iVl'~r.. \1\011 H~\)U
Ch. ..\,,"!l. " l,-:l,i,(.. :"<"'t
:\." \,0 r ('~, 'J.,-, ..: \ i~,l 'to '- .. ,(. Ii" \,;('.,
...~,.),.. ,".: .~,.~.~' ... '..- --.-....-..
t..t.I.Jl f.'''~' A:k'lil: ;2-(.;I:-I;(j,~;')I'^I, I lil( !,:~
~ !J(:1 AI;!tr;hd
.'\ ,'.
1 [t.r.f't~()Nr
5""\(~"'.h. '.'
-'-~;-,(I_;,.,i i\j.!:i'~_I""I; .
t: ~-~ ~:.-:: ,~.:: '._.
H;)t.Al.!'1,,1M
,;:..
-
[J CO-APPliCANT r-: S;::CUSE [j GUARANTOR
US\! "BA~" ,:~inr"Grm<JrjOf1 is '.S,1!7W ~s ApPlicant':
NAME (LoGt ~ fit's' -lnitla.l)
(;> .. ,. i- . . <, C.
~~~l'; ''''l~~./''',''\
DnIVr.R'S LICENSE NUMaE.A/m-ATE
~::{;~ I 'i _ r .J 'i ?/l
ACCOUNT NUMBER I SO.:IA,L::CUA,ITY. NUMBC,R _
.:~:i"l!,::- "r.,\^' {...L/ .(, 79 /
BIRTli DATE 110ME PHONE BUSINESS PHCNEJEXT.
j'. 7 -(..'J-' 71/, 1.3/.;(kFi.. (7171 7. y;..J if:!
PRESENT ADDRess (Strool ~ C'ly. Sible - ZIp) ~ OWN 0 RENT
}::,-/.-O Old (1'<<.;1 Rd. YEARS
AT THIS I
~k-1:i<JJLu:..JJJ--L23 "7 () ADDRESS
PREVIOUS ADOReSS (Stroot. CiTy - SIal". Zip) 0 OWN ~ R(t~T
/7CO D i ,11b~, 51: VEARS
. 0,1 II ~., 17/./ ATnilS )
L~....,. 7"'0 hI. ~... ,., I! ADDRESS tA.":
CQMPLeTE FOH ,IOINT CREDIT. SECURED CREOn' OR IF 'rOU LIVE IN A COMMUNITY
f'ROI"(fiTY ~1ATt:
5Q MARflU:D 0 SEPARATED [) UNMARRICD ISinQls ~ Dil'.1rced _ Widowedj ,
LIST AGES OF CE.P[NDC::NlS NOT LlS\CO lilY APPLICANT -
/'1
(CIlc!vdeGIlIf}
NAM( AtJD ADDRESS Of' EMPLOyeR
::)J .....L ;; I" t.. \d II' I
c..~~,,!,C'-',- S.t; <:"'(I.''-'prl, (7c.fl
'j'_,":;;~._';:-:-_:-:- 1--.,.1:.::;-:"-':.. .: -: t... .. ~
'''''"'~-'.U..L"..,,~:L:;;':'::':'''-r.''''''J..~.J.JlJ..:.~ ,
TITlE.IGRADC SUI'CIWlSOR
/ocd-,,:. '-'-'..1 /. . . I t
J::::;J;;;r,:;;;-~ 11'.:.,:-,I..~.~t '/ ,.;/...,.., LX'; :.:..:3
STARTING DATE , / If SC,.F CMPLQ).EO, TYPE OF" eUS:NESS
,-'. ....,. ,....,-
_...,'lo..)._
If [MPLOr[D IN Cur\l'~[NT POSI'ION LU.(I 'TliAN Five; YEARS. COMPLETE
rR(VIQL.'S [MPLOY[fI NAM( Af~l'l ADORCS:; !nARlING DATE
ENDING DAlE
~'DU-;;$W-;Ot~ 1i~AN'i;'rm'UPlCT(OD~~R U YES 0 NO
WI,U-t: ENDING I $EPAI\ATlDN DATE
I,'!
.,
I~A~~[ ^1~[)...Dr.H~;~ o+- CH[{)IK'!-<iSIC>f DUl~'SP.AriOOff
.
j ]>
~ l' .
"
(j
}l
, ,
II
I
I'
i
I
,~"
ltL(PHONE
(..,"'l"\.,c
:;'Y~i ;\, ......: O,~ H(\... ,. ,\\-,~, p., 5'110(."(,;,.....'
t:;i~i,:..;:Nn 'A.'JL)ru ::~o,:.i.~i:^ilr0::i-lii 1}\1IV( -" Rll.ATION:.>liIP-
H()I UVIt-;ii \I,m ti 'I',)U
,..\\,~,.., ..~.M......,.t".\- H~~~~::5NC-
,,<....._,~-t _._5:~_~:."~_';"",-X.'-J......___2~ 3. . , '( J 0
~t\'H~I[,~; or I'(H:;(Cl..A.l f lill"'~ -';O~oNr
,Aflvt "()1"))~~
t,..;,. .",..
EXIIIBlT A
>oJ
INCOME
INFORMATION
6'
ASSETS
Check box for
. App1iCtlntIDUlet.
Ust all ssscts
and account
numbor(.)-
Attach other
sheets if '
nc>cessary.
7
DEBTS
In addition 10
Renl/Mortgago
list all other debts
(for r:xample. aulo
loans, credit
cards, second
mongage. home
;:Issac. dues,
alimony. child
support. child
C3re, medical,
utilities. auto
insurance, etc.)
P:ease use oJ
separate fino for
each credit card
and auto Joan.
Attach other
sheers if
necessary.
8
FINANCIAL
INFORMATION
These quesfions
'poly to both
App:icanr and
Other.
___f!..I~;,';,j.ciuiY;'i;L :::';;' 1;~:_r.-~~)'22~'1(i:!i~'1'!.'l_l(c!)_r.'.rol;I,'~!}_~1!,~~~'~
EMPLOYM[t~r U.COMEc.<? ~:21 4,7 OTll[lllt,COME
S'S"'.}. ,I.,J). pm 'e.~.r..=t-' "'{ $ PEn
~ I~[l, [] onOS5 ;). t..,;a K~ SQuncc
I ,....''--, ""/.. ~ ,:;;,:,'.1" r ,.'~"J",aj II"""'"'''''''''' ,,,';~.:,....,' . '. ',; , ".-", v'
[!.WlOvM;;;ii\I~~~};~~~~J:it>~~-S ;~~~ ~~~~r.~~-
~~'$,",.y:{ PI:H r.JC:J""'" $ PEA '
L!l NET 0 GROSS :). c....o h ,<.1 SOURC~
$
M'ptlC,Altr
OTHER
l'lOME
I SllM'lE DRAFT all
CHECKING AMOUNT,
$ .
SAvitmS AMOUNT
$
rL:i5~"NO;:LL.OTln:R ITCUS vou OWN AND l.OCAnCN OF F'ROPCRTYl
ror E....mplll: ......10. 30011, ::,II)(;......l3ontn. (,;~,Il, l1oul"huiJ G.:..":.. na~1 !:~~~~l.', ('Ie
SHARE Dn.~rT OR NAME "NO AODHfSS OF oLrOSllOnV
Ct~ECK'NG"MOUNT \............"." ..........~ l,,~
$ 70~.o("~._~_"'~~~~,L\ "1,-,"
SAVINGS AMOUNT NAMlZ AIm ADORESS or OEPosnOIW
Ct'.;\\{"~ t!.!.:"
Co...\rt,_I,.,c. ...
., w\..n. ~r'"
APPl.ICANT ..
OTHE"
fJ RENl
il' MORTGAGE
(Incl. Tal(&I'\!I.)
CRl:;DITOR
NAME AND ADDReSS
()t...e-y (')~..... ,..\ \-
clJ"r~ \)" \"'lOOlo....
ACr.OUNT
NUMBCR
s,e..c....::::.
-I
"".." -iJj-;
p"<.",, ",'U!j;
c- \,.. '::>._._ \ \.I.!t.., l
c,\.. ~~b~-,,---,~L~(.\J
Q,<' "-'~. Pl~t
.........t...\._~._....\::::....-..~
>:'7
::." .
t),~.-. i; .\...... L
NAMe ^NO ADDR(IiS OF ::lEPOSI1'ORV-
S 1\.<"
NAME AND AOOI~(SS OF OEPOS11'ORY
MAnKer VALU!:!. fL%GtO A.S COLLATERAL
FOR ANO,.-HER LOA.N
$ -)e,ClOa YES NO
$ cor) yeS @
$ '-.5(,) 0 YES @
$ f,5CJO YES i@
ORIGINAL
BALANCE.
$;;5 6Ce
$ ) ,~."
-) $ "'I.JI..:-l.,~
~
$ .:) ('I"":'
$.., l'L'"
$,l,(:,(>":
$'..l.')":'l:'
$ '."ao\:~:
$
PRESENT
BALANCE
MONTHLY
PAVMeNT
!IFPAST
OUE~
$ $
.O;~.cr r:. 5-1 ~ .(1\
$;.ll. \~.l'~ $ '{c".o'
$Vi::u:... l)..}. $ $l.cO
$~ "5:2...l' $1'1' .0
$31P.~" $10,.0'
s,~~,'c. $ c.'"
$_ :l.\'.Yl.o $,
$ C'll.3' $
.,"'1
"D.l....
$
$
LIST ANV NAMES UNDER Wt\ICHYOUA CREDIT nlFUl,[NCES AND CREDiT HISTORY CAN BE Ct~[CKED
TOTA!-S S')JWC I~(,"",k;"' $,,'~'_IJ
IF A "YES" ANsweR IS GIVEN TO A OUE!>T10N, EXPLAIt~ ON AN AnACl'lEO SHEeT
HAVE YOU ANY OUTSTANDING JLJVGM[NTS7
H^VE YOU (VCR FILED FOR ~ANKRUPTCV OR I~',D A DEBT ADJUSTMENT PLAN CONfiRMED UNOLA CHAPT(1l131
H....VE YOU IMD FROPERTY FORECLOSED LiPON OR HEPOSSESSEO IN THE l.A.Sr 7 YCARS?
ARE YOU A PARTY IN A LAWSUiT?
AREVOU OTHER THAN A U,S, CtTIZ(!~ OR rcnMANENT RESIDENT ALIEN?
15 YOUfllNCOME LIKU.Y TO DECLINE IN TI~E NCY.T'TWO YEAR::;?
ARE yOU.... CO.MAKCR. CO-SIGNeR OR QUAI'lANTORON AN~' lOAN NOT LISTED Al.'lOVE'I
FOR WliOM (Namo 01 Othl'lfS Obliga\ed on LCdi'll' TO WHOM (l.an~'(J1 C!8dilot).
x
X
\t
I
Em
9 You understand that whCfl applicablo. a Per5on,-~1 Idp.ntilic31ion
SIGNATURES Number (PIN) ma.y be issued. This PIN, when validated will allow you.
if fhem :Jfe Jny the co-applicant and any authorized users, 10 ar.c"~ss your credit
union's CRI;DIT CARD/ATM accounts through panicipatir:g Auto-
;mpOni3nf C!langes. mated Teller Mochine (ATM) nclwolks, -::;ubj(~ct 10 the terms .7ind
you will notify uS disclosures 01 the Credit Card Agreement and the f;.lectronic Funds
m wrtting Immeci- Tr3nslN Disclosure lor CREDIT CARD/ATM ACCf5S Ca!d. You
~~;~~ r~u ~:~... understond thal1lse of your credil card will constilute 3ckncwl.
of a 'hn I u.::. l~dgmenl _of receIpt I3.nd aQreementto the terms of th~ CREDIT
O n~,Cm~nJgop' ~n CARD/A1M Access Card dl$ciosure:>,
'I ur '" "" ~,r('ss
,r cmployrncnr '. - . I 1
.vlrhm ,1 '(',lSOr..1b!~;( }..("!" ~.J... (1 1...1(" L i -~) ~'1.)
'1m'" '..r.Jf'....' ~- .__.}j,._T.-...;..~~_.t.I.---'.......,J,.\"";'.,...:_._.._______.._~
L .. (I" <" ,,~-, ...1'PLlCANl'S:.iIG","lUH[; t/ C~lt
Vf)U also promise that everything you have ~t3.tod in this opplicatlon
is corroet to the best of yOU! knowlodgo i'md th.:tllho .abOve Information
is a complete listing 01 all your debts ::;.nd obli!;:ations. You authoriz.e
tho credit union to obtain credit rt'pOl1s in connectIon with this
application lor credit and for any.update. renewal or extension Of the
credit.!"cceived. if you t~~Que!:.t, the credit union wil1tell youlhe n3me
and adcress ot any cTc..(jit bureau trom which it received 3 creditrcport
o~ YOU. You under~13!1d th31 it is a 1cder3~ crime to willfullV e.nd
dohbN<ltely prOVide incomple'lo or lncorrC'ct Inlormation on IO.rm
3Pplications made ta F~deTal Credit Unlonfi or Slate Chal1E\rod Credil
Union:; Insured by NeVA,
xi"'.. '
,__"_,~..,wc-~_~~~:--=L.<....J..J.;,~
O1H[n :';;IO.."'URF.
10
CREDIT
UNION
ItIFORMATION
00 not wrlt~ in
l,iiS section-
for credit uniot'1
use only.
Check applicable
,.........,.,.c:l
--.,,-.,
'1 .~ "" ..;l...,
_........ll-..;
o-,it
J.I'PHOV(O $ $ $ $
O-;i.lC".u--.--."--'. LIMITS ~',I(iNf.TU"l lI!~! or6:;(nll-'-~. o~.Hlii"-.-_u.. olHi'~'-------'-- t)rUTSV,TIO
L:\O.tli orrlCCR 1\Lh-,.NC[M'P(l('V! t) ;- JY(S :__'uo C']c(1iJ',;1T~Ot rTn WIl.L l:lCt~i,DL Ir A.cc.r.pn:o, ACWJ.NC( APPR.OV[t)
[;CRf.OIT COYl.llnu OR OTHU1 i CUl':;IDC It.l Uf1MA' I';~"i CON~I[\n;,I.(] U yes ;'.:'.0 - If. W $, ^ 11....CI1 A['[I!"l'lClNt..l t,Hu;r "NO OE.SCRIBE
r.trcnli[::J 10!f;LA$QI-;(:;) FOR RLflnf\fI.
~_~~~_c:.I_'_~~_ 1.1L."~;.(:~~j<~, I r :?:.~:[~~_~,~~~:.: ,_....._.. _ "
_.____________ _._",._..._~__~_.._~-......._-_....-.._.._....---". ________e______._'_'________.
---.--
U :,CHrl,( COlIN1(R OrT(R
.~.-.,._,_.__..._.---_.----,-_..,-----~_._.... ..-..,--..-.-....---...--".-- ..... .-._...._,.,_.._------,_._"_..'"~_.-..-... --_._~----.;.._-
~IGN~ lUf1[ S;
x
{1/'H
.... "__m~_" i;~li-'~-."._~-.~'-. ~---.~,-~..--~------..~-.-
. -'"'---_.._~.._-~_.._,-~.~--_.,._-~-
::f..'!!
:._~ L~jM" (If I lLT,n
CI1!CJ''f (:(lM..,,'!HT
x
x
...
Olo-H:
,.
ilQt\dlllllrt~~~
L._ ~___,_.v ." ..' .,'
Credit Agreernent
HOW TO
APPLY
IMPORTANT
CREDIT
INSURANCE
1
CREDIT
INSURANCE
APPLICATION
You must si9n
whet/ler or not
insurance is
.Ieeted.
2
CRF.D1T
AGREEMENT
AND TRUTH
IN LENDING
DJSC1,OSUAE
~@~..,
WEST SHor,E TEACHERS
FEDERAL CREDIT UNION
1213 Slalo1 Hill Road
Camp Hill. PI\ 17011
('117) 73H152
-- .-
. Please completo rod section 1
. Read soction 2
. Sign rcd soction 3
. Return this Credit Agreomont to tho Cmdit Union
. An incompleto or unsigned form may delay processing
. You will receive your copy 01 the Credit Agreement and insurance information
The following is palt 01 your LOANLlNER" Open-End Plan. Read
this information before signing on 11113 opposite Side ot this page.
Please soe the accompanying Addendum for a disclosure ot your
var.ious L~a~ Sub:3ccQunIS, Prasent Ann~al Percentage Rates,
Dally Penodlc Ralcs and nny nddillonal mfornlD.tion,
i
YOll can protect your financial fu~ure by signing up for voluntary
credit insurnncc below, Enroll by sImply indicatmg your preference
in the "Credit Insurance Application" section be-low,
Your credit union will be happy to explain tl10 various insurance
options .3nd coverage. Tho cost is reasonable,
5ilme 3S it .1ccrUC5 on ..mount::; 01 ildvJI1CC5 whlc:h me added 10 your Loan
Bal:mco
".You" or "Your" means the member 3M the joint insured (ir <lpplic.able).
Credit in$uranr.o Is volunt:ny and not required in order 10 obtain your
loan. You may selccl ilny lnsulef of your ch()icl!. You have eswblisheli 00 NOT SIGN THIS APPLICATION IF IT CONTAINS ANY BLANK
an onen-end Loan Plan wi:h Iho Credit UnIon, Your Loan Plan may consist SPACES, This application Is void and will not be used In 3 contest
olano or motC Loans. You arc app;ying 10 111l) Sociely lor credit insurance. If 311 blank spaces have not been completed, If Ihe member has nol
You aut~lorize the chnrgeslor insur;mce 10 bo 3ddcd to your LOi1n Balancf! sIgned and dated the Appllc::ltlOl1, and if the Application has not been
cach mcnth and understand that inlere::.1 will accrue en these chJ.rges the wItnessed.
INSU'R'EDME~-----DAl'E OFBmr;:;.-'-A-C(;'our~T r~UMIJ[R
~<'M.1k ,! RO'_,-,J V. ; '1-) .<..'-/
~unE[;t::;[!:ffi[il---------DAT~C OF fiii~TH--f,:E(.:our.iTt~UMI3-(R-------S(-(;ONOAii'y 1lt:~~i:f1CIARY-II;' ~oy ~n". to 111/11' on_I
DATE Oi' ISSUE OF CEHTIFic^~---
_.?"h,~,,-_!'" (l.Qc..:~______':i::..L:I,>-S.------.-._-----------
UNDER CREDIT LIFE AND OISABllITY, THE MAXIMUM ELIGIBILITY ,\GE Fal1 COVE,iAGE ~S 65 WITH NO TERMINATiON
AGE REOUIREMENT
_._---~,---_._--'-
THE: FOLLOWING STATEMENTS MADE IlY YOU ^R~~~~~!..A!,~~~. Arm ARE TRUE TO THE! B~S!...OF YOU~ KNOWLEDGe. AND BELIEF:
CREDIT liFE INSURANCE CREDIT DISABiliTY INSURANCE
P-s NOTCoVERAGE ~,,!:ECTEO Z--ll!~ES :;'0 fCOVERAGE ~.E~~C!EO _3PRcrMuMSCIlEOULE l
", COST PER $1000 OUA . " SEE SEPARATE.' l
_ ~~GLE Cf\~~ LIFE. ! MONrl1l..:..:.0=~_~_~.., _ _ "__. ::J__C~~ ObM1ILlIY _ RATE SCHEDulE. ~
S. -1 TenD T L;--tE .. COST PE 100 OF YOUR. N/\11. 01 ON Tt~15 DATE..'.'".'"'.' .ou. r>1,YSICALLYWOHl<IN13 r:DI~ A SALA.R.Y o~
_. .-=_ E lIFE _I MCNT~~~~~E...____,!_ -_ W^GESAMINIMlJMOF2'i~~WliE!<2..___ -_
ARE YO 1. 'If.lU1A AGe I ~ ] ARE vou, I MAXIMUM AGE
_.. _~_~:"DER :G_~_ !Jd~-"--.:.~~E____~":~_..~ .~_~_.__, ._UNDE~ ^G~!..'7"'-~~'~:7:-'1---- _~OR INSUHAr~Cr: NONE
MAXIMUM INSliRAOLE OM. I I I MAXIMUM MONTHl.Y TOTAL .
rCR LOA.N ACCOUNT DISADILITY O[NrnT
$ Ni,\ I $ 600
-:;Ic.N:t;fi.mC0F-GOi~f~O\~- Jf'tIir.itl['T~) '"7"IN~'-u;1[.D-l5^'"(-----"'"---''' ~..,--_....._-_._~-:-.---"-_...._~---_._-- l
XIB..'''.'(l~t>''~I''''t' Udl'QlfUj If you are totally dlsJblCd for more 1han 14 days. then the I
Nit, ,_ _ _ ~i$a.bdlty benefit will beglll WIth the 1Sltl day of dIsabIlity,
:g X :~; XiII. ."t..o ~"...,I< II.. 1"'....00.....1 t
~ [Wlii". _..______________..1":'\ 0/.-11 I ~ I\Xl"X~1ft~4&~;;'U_~ ---:-:t;i~.1L-
~, ..___ ~ L_.. 'TL ",.. ~_'2'.__Q..........::"" _1_-~.3 :9.L
Thm LOANLn~ER" Credit Agrecmcnti:lnd Truth in Len(ii;lg
Disclosure will be referred tO:iS "lhl5 Plan". "You" and "your"
n1l?il.n eue-.Il p~1tSOn Wt10 Signs ltw; Plan. Till! "cre(jil unlo,,," rne;m~;
till..:" Cl('(lit unio!,wl1oscnnml~ apPC3r$ above or i1n)'ol"\u to \....norT'
the Cfl~ljil unlor, tr:ln:;.lcrs ils rigt'!l:'> Ul"Icj(!r 1l1i~ Plan,
HOW THIS PLAN WORKS - TI,(' credit l;nlon ,')n:icip;W':; 1!l,~:
rou \\'I!1 l)uHOW money (c.::lilec: ;~Q\';mC('!3) undd l!"lis PI;:In horn Im'p
t,) limi.: The credit union. however, is not requircl1 to m3\.;c
advances to you under this Plan nnd c::tn l('fu~('.1 request for
an advance at any time. TI1(' !\,~d0n(:w"1 dl'~;'.Ctlt)('~~ \h\~ d:ltf;li;nt
tvpes cf CfCClt ((;;1ill1ij :~UbJCC(':^:;t3) ,':l'o<(ilJ!:I\~ \~njt'f thl~; PI::1), 11
,you r,,1\.'(! been ::1ppro\'cd lor Cll~dll .Jflcier ,1.~;ul:';icC0unt m:1!~('d'
with 3. st3r (-), you will be given :1 r.pc-cilic credit limit lor that
SUlJ3Ccounl. For 'otht'r :,Ub:lccount::. you ni~lY not be given 3
SP0Cllic doll;u limit.
PROMISE TO PAY - You plOmi:.;e to fl~p3y 10 thfJ credit union
.111 ,1dv:-l!iCl~S r,,'I.)d0 10 ~'OLJ under thi;:. PI;~n :md:;ny applicable
Ch;'HUl'~ dc>scnbt!d 111 tht1 Arjdl:ndurn together With In~Gfes1 on wli:tt
you ,-;J1f,'i! until U'o I01:~1 amolJnt h3!:i beer' f('pald. Tha intcfeLt t3tt!
Gc'pends 01' the ::;Ub;lcccunt under which tho ;ldv:mce is ma.de,
Tht' Al~Cl..'ndum ~:'!10W~ n1f~ cunGntinlerest tJlt's :\S';:l3i1y penodic
r;l1f~~) :!.t1d tl1l.?Jr C(\trQ(.;I~or.dlng annual percentage rates, If thit
111":-[(;5\ rate ft"'lr;j~1Y or ,tit ;\C1\'::Hlces IS 3 varl;1tl\e mICf(.~~t f3tl~,
lh,~ t'\:li:,,:,'ncum p>.plams how Ihl~ \'o.riabl\~ il,Kre:ll raIn \"I.'OII<..S,
(Conlinu.")
GH.~. 1.1L1'W,: i~;'''.'llr.';~J .,,:'U,:r "'i'~.1 'L' H ...(, ,;'1 ~,i l<',.,,,. ,; "i ;'. i"'.1 '\
EXHIBIT B
OI\At;;"3 Ui;'(.l.l
,.
?
.... .
CREDIT.
AGREEMENT
^ND TRUTH
III I.ENDING
DISCLOSURE
Continuod.
.
3
SiGNATURES
..
4
CREDIT
UNION
INFORMATION
Do not writo in
thi$ socrion-
for. credit union
tJso ol1/Y_
Chock .ppllcabl.
box(es).
-~--""-~--~._._. -
PAYMENTS "- Th~ amount of p:l.Ylllenl5 for an advJ.nco is
determined acccrding to tllOD.Jyrncnt ~C'1Cdure in tho 'Addendum,
Paymcn:s arc duo on tho fa:;;! day of ouch month unless a different
dato is set by the credit unicn nt \he timo of an adv3llcc, If the
Addendum ha~ no payment schedule for a subaccount, tho
amount and due d:l.tc of pLlyrncnls will be determined at tho timo
of each adV3nCQ.
Payments must includll any amount pClst due nnd any amounl by
which you have exceeded JI1Y credit limit you Imvo been given
lor a subaccount, You may prepay all or part of \'"h31 you OWO at
any time without JOY prepayment p(~nillty.
COST OF CREDIT - The dollar amounl you pay for money
borro..\'cd;s called a finance chargo, and begins on I,ho date of
each advance. To compute the finnnco charge, rhe unpaid balance
for each day since your,last payment (or since an advance if you
have not yet made J payment) is multiplied by the app,licablo daily
periodic rate. Tta~ sum 01 thaso amounts is the finance charge
owed. The balance used 10 compute the finance charge is the
unpaid"balance each day after payments and credHs to thnt
balance have !Jeen slJbtracted and any new advances have been
added. A fin an co charge will be computed separately for each
separate balanco under this Plan,
SECURITY INTEREST - Yeu agree Ihal all advances under Ihis
Plan will be secured by lhe shares 3nd dcposlls in all joint and
individual accounts you have with the credit union now and in the
future. Additional security will be required depending on the sub-
account under which an advance is requested. For example, a
subaccount ca.lIad "New Car Advances" means the security will
be a new car, Shares and dl;posits in an Individual Retirement
Account and any other account that would lose special tax treal-
ment undor state or federal law if given as security are not subject
to the security interest you have give:1 in your shares and deposits.
Property given as security under this Plan or for any other loan
may secure all amounts you owe the crf>dit union now and in the
future. However. the credit union specifically waives any security
interest It may have in your dwellings gi.....en through any other
mortgages or security agreements,
DEFAULT - YOl! will be in default if you do net mnke a payment
of the amount roquired when it is due, You will be in default if you
break any promise you made under this Plan or if an~'one is in
default under any security agreement made in connection with
an advance under this Plan. You will be in default if you die, file
for bankruptcy,becomo insolvent, if you make any false or mis-
ieading statements in any' credit application or upd3te of credit
information, or if something happe/1s which the credit union be-
lieves may substantially reduce your ability. to repay what you owe,
Whon you are in default the credit union can demand immediate ,.
payment of the entire unpaid balance under this plan without
It is lmportant that you read all the proviSions oflhe Credit Agree-
mCf\1 and Adcendum thoroughly belore ).lOU sign below. You have
\' 1
l.1{J__tB'(.,~,L___.., -..1.) -~_
APPL.lC,l.Nrs SlGNA1URt DAlE
DA~("-"._~
'APPROVCD $ $
t.!M!T5 ____,,______.____'_._
5ICt';A.n,..l~C
LINt or CG[Dll
c-
i . i..OAN o'ncl~
CCR[Dlf COMMIT'n:C OR on~r:R
AC'VANCf: Al'pr~OV(D: :~:Yrs C:NO
oursler 'NronMATIOIiI cm.!JiO(r,m
r4[f(Rr,rO lOtn(A~.;Ot\\5l rOil f.,[rrl,r..Al
---__~~II~~-
giving, you advance notice. If immed!3to paymenl is demanded,
you will conlinuc to pay interest, attno appHC3blo interest ratos
in i.~f:ect uncer this Plan, until wlli.it you OWO Ilas been repaid. If
a demand lor immedi3te payment has been made, the snaros and
depOSIts given as security lor this Plan can bo applied towards
wl1at you owe. The credit union C::1I1 also exerciso any other rights
given by lmv when you arc in default.
PROPERTY INSURANCE -- You \Viii be required 10 purchase
property insurance on certain types of security lhat you give for
advances, You m<lY purchase tho property insuranco from anyone
you choose that is acceptable to- tile credit uni.on.
CANCELLING OR CHANGING THIS PLAN - The credit union
has the right to ct1<lnge tho terms of this,Plan from time tcUme
after giving you any advanco notice required by law. Any change
will apply to futuro advances, and at the discretion of the credit
union. and subject to any requirements of tho applicable law, will
also apply to unpaid balances. An increaso in the daB}' pori odic
rate under a variable interest rate is not considered a change in
terms under this Plan. ,
The credit union can cancel tho entire Plan or any part of this
Plan at any time. You can cancel this Plan at any time. Your
obligation to pay lhe unpa.id balances under the terms of this Plan
continues whether you or the credit union cancel this Plan or any
parl of this P:an.
STATEMENTS AND NOTICES - On a regular basis YOll will
receive a statement showing aU transactions under this Plan during
the period covered by the statement. Statements and netices will
be mailed to you at the most recent address YOlJ have given the
credit union in writing. Notice to 3ny one of you \....ill be notico to all.
JOINT ACCOUNTS - If Ihis is a joinl accounl. each of you
authorizes the othol(s) to get advances individually under this Plan.
That means an advance can be made upon the request of only
one of you and that the check can be issued to only one of you.
It you give inconsistent instructions, the credit union can refuse
to follow your instruc.tions. Each of those who sign this Plnn will
be individually and jointly responsible for paying the entire amount
owed under this Plan, Th3t means the credit union can enforce
its rights under this Plan against anyone of you individually or
against all of you together, .
UPD^TING INFORMATION - You promis. Ihat you will promplly
give the credit union written notice if you move, change your name
or employment. or if any other Information you provided to tile
credit union changes, You also agree to provide the credit union
updated financial information about yourself upon request.
The credit union can delay enforcing any of its rights any number
01 times wilhoUI losing ils rights. If the law makes ar:~1 !erm(s} c!
this Plan unenforceable, the other terms will remain in effect.
read the LOi\NlINER"".' Credit Agreement and by signing belew,
you agree to be bound by the terms of tho agreement.,
'I
)\ ), \",~ f;"=,!.d..J~,..
OTHER SiGNATUH!-.:
.- -.. ()-
1- ......:i ~ /.L.
DAlE
s
$
...,(\11....'"
. ........ ,0""'" pnn RA.TIO
UCOlJ~m:" orrm \\'ll_L liE MAD[, Ir ACCCPTID. AOVANCE APPROVl;D
Chv; CJNO Ir Y[S, ATTACH AODllIONAL, $HtE:T ANOO(SCRIBE
_.~..,._-'---~---_...-.._-_._._--,---_._.-._.,---_._-----....---.-
.-..--.-.--..---.-....-.,.---,-.-.-.--.----.-...-.,..--.-_...._,--"
--"_._--_._--_..,~ -< ..__.._.._--~._--",_....__...._,-_._---_.._~,_.---............_,.._-'+._-,._._~....~._--..._-",._-------~_.
fl't:c:rlC nr.At,ONL~;l rOf\ r-[JfCTIC"l
sl.~i;';.:,l~~-~--._-".------~._..-'-.-..-r7"A1+r-.------_.--~
;:~~lL1"!\j Of-ficm X ~____
Ccnrn:T COMMI1~'rr: ...-.,-"...--...---..-. -"_._._--'-'-'-.-'-"--_..t-j~;I:"'--
- - _______ ....__. ..X _._.._..............._.__.._._._......._.__.. ..__....___....1'._...._.
.-
n,Cll NC.~F~[ J.r,r, hr;,';,..'t~ .'\~,n (il,:lC':ICt.. ~'~t;j -:'" t:'t'U\T!il.:l U!.. iDA,r) f1'(
OC"CflIGt C:OW,1(!i OlTU~
_..",~_....--.-._._-_... ---.---.,-_.~,,~ ..._..._,... ..._...____"...._,_._.__.._ "'".__.'''e._' '.._._'._ .__
........-----
~
...'-.-.--'....---".--..'--..----------------,
DATE
DAlE
(INlTIA.lS)
-a..
I'I,(.L:;
~c'3-c\)ers Federal
.c ft OJ-e(/..
...<:.::>,....0.... . ~ '1 It c>.
~r;:;0 .. ~ {>"o
~ '!l":>
STATEMENT OF I\CCO\Jlo.'T
DATE: Noveooer 20,1998
MAKER: Kenneth ROcuskie -l'anlauptcy filed
CCMi\KER: Susan ~l. Rocuskie
HeME ADDRESS:
Susan's Address
1129 ColUl1bus Avenue ~6
Ieooyne,PA. 17043-1.730
OUR ACCT ~ 3346-1
MAKER SOCIliL SECURI1~ # 211-48-4276
COMAKER SOCIAL SECURITY # 208-60-0797
principal J\lrount Owed: $ 8278.20
Interest Ov.'ed: $ 477.31
Penal ty (20% of Principal & Interest): $ 1750.39
Total Amount Claimed: $ 10,505.90
'2':; SLA1C HILL 1'\0"0 . CAMP Hii
EXHmlT n
37.~' 52 . FAX: (717) 737.0589
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