HomeMy WebLinkAbout00-05485
KEYSTONE FINANCIAL BANK, N.A. : IN THE COURT OF COMMON PLEAS
Plaintiff : OF CUMBERLAND COUNTY,
: PENNSYLVANIA'
v.
: CIVIL ACTION - LAW
DIVERSIFIED COMPUTING INC., and
MICHAEL J. HAYDON and
CHERIE HAYDON,
Defendants : CIVIL TERM 2000- S4/S'
NOTICE
YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND
AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST
TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THE COMPLAINT AND
NOTICE ARE SERVED, FILING IN WRITING WITH THE COURT YOUR DEFENSES
OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOu. YOU ARE
WARNED THAT IF YOU FAIL TO DO SO, THE CASE MAY PROCEED WITHOUT
YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT
WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT
OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU
MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOu.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF
YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR
TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU
CAN GET LEGAL HELP.
CUMBERLAND COUNTY
BAR ASSOCIATION
2 LffiERTY AVENUE
CARLISLE, PA 17013
(717) 249-3166
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KEYSTONE FINANCIAL BANK, N.A.
Plaintiff
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY,
PENNSYL VANIA
v.
CIVll.. ACTION - LAW
DIVERSIFIED COMPUTING INC., and :
MICHAEL J. HAYDON and
CHERIE HAYDON,
Defendants
CIVll.. TERM 2000- 5'11~
COMPLAINT
AND NOW, comes Keystone Financial Bank, N.A., formerly Financial Trust
Company, through its Attorney, William A. Duncan, Esquire, and files this Complaint in Civil
Action, of which the following is a statement:
1. Plaintiff is Keystone Financial Bank, N.A., a corporation organized and existing
under the laws of the Commonwealth of Pennsylvania with its main office and principal place
of business located at 1415 Ritner Highway, Carlisle, Cumberland County, Pennsylvania
17013.
2. Defendant, Diversified Computing, Inc., is a Pennsylvania Corporation, with its
principal place of business located at 6285 Haydon Court, Mechanicsburg, Pennsylvania,
17055
3. Defendant, Michael 1. Haydon, an adult individual and Defendant, Cherie Haydon,
an adult individual, are husband and wife, and reside at 6285 Haydon Court, Mechanicsburg,
Cumberland County, Pennsylvania, 17055.
3. On or about May 14, 1997, Defendants made, executed and delivered to Plaintiff a
Personal Cash Reserve Agreement financing Ten Thousand 001100 Dollars ($10,000.00), a
copy of said Personal Cash Reserve Agreement being attached hereto as Exhibit" A" , and is
incorporated herein by reference as though fully set forth.
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4. Said Personal Cash Reserve Agreement has not been assigned.
5. Said Personal Cash Reserve Agreement is in default because Defendants herein
have failed to pay the payments that were due and owing for the months of September 1997,
October 1997, November 1997, December 1997, January 1998, February 1998, March 1998,
April 1998, May 1998, June 1998, July 1998, August 1998, September 1998, October 1998,
November 1998, December 1998, January 1999, February 1999, March 1999, April 1999,
May 1999, June 1999, July 1999, August 1999, September 1999, October 1999, November
1999, December 1999, January 2000, February 2000, March 2000, April 2000, May 2000,
June 2000 and July 2000.
6. On or about January 6,1998, Plaintiff had given to the Defendants written notice
to bring the account current, a copy of which is marked Exhibit "B", and attached hereto and
made a part hereof by reference.
7. By reason of the aforesaid default, the entire balance of Thirteen Thousand Four
Hundred Fifty-eight and 10/100 ($13,458.10) Dollars, with interest thereon at the rate of
thirteen percent (13 %) per annum computed from August 29, 1997, along with attorneys fees
are now due and payable.
8. The Defendants are liable to the Plaintiff for the following on said loan:
A. Principal amount and interest
due to date
$ 12,234.64
B. Attorney's Collection fee
1,223.46
TOTAL:
$ 13,458.10
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WHEREFORE, Plaintiff prays the Court to enter judgment in favor of Plaintiff for
the amount of Thirteen Thousand Four Hundred Fifty-eight and 10/100 ($13,458.10).Dollars,
together with interest thereon, costs and all other amounts advanced by Plaintiff
/I!.,~ #tl/A/
. illiam A. , Esquire
Attorney for Plaintiff
1 Irvine Row
Carlisle, PA 17013
(717) 249-7780
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VERIFICATION
:r. Jack V. Hutchison, hereby verify that I am a Sr. Vice President of Keystone
Financial Bank. N.A, that I make this verification being authorized to do so, and the facts set
forth in the foregoing Complaint are true and correct to the best of my knowledge. I
understand that false statements herein are made subject to the penalties of1S Pa. C.S. Section
4904 relating to unsworn falsification to authorities. q)
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ackV. Hutchison
Sr. Vice President
Keystone Financial Bank. N.A.
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l>t::RSONAL CASH RESERVE AGReEMENT (13)
Borrower: I V $1..) IF. W t;nl"'tF,.<v~ 1~1 ~ leJ1der: AnWK:W._ Trott COITtJ)attY
>>~ rt~t J ~ ( ~ "to! A OniWutHfOhSlrHt
t1,tHA~t.,. J. Av_',!) ,Cl!M~~ L M'rt'.tM/fIi.O.1Oi1lO
JtJ H .4- AN J. 4 A r IIp canlM. PA 170\0
CREDIT LIMIT: .p (0. II ao. "0 . . D.le 61 Agreement: :;;,-. I'; q ~
InlT:od~Uon. This 'persona! -CUh _R~ _~~ (1,3) ("Age6fNot1 gO'Nh' Y'OUI" u~ 01 eridit(lh. ~II- Un.- or tt\to -o.atl Une ~ouni)
i&s~, lbrough "nanc:i&l TriIsfC6fnPj,ny. l_"'lhii ~m.lhe'WOrds."'8orrow<<," "yoLj: "yew: .nd "Appbnr mnn-tach and_tMKy p4K1on who
slQ~ thls,t~9r"ment, InclUding ~ B~ Mt'Md aba..-., Tl\lI wotcla -w...."us.....QUI'... and '\And..... m..an F1nandal Tl'U$t CompaR)'_ You .gr" to
the Iollowlng !erms and candlUons:
~IM to_ Per. You promi$.916 P4Y Flnii.~ TtUit company, tx <<dor. tnt IOtaI 01 III er.dit edvl:ncot Ind "HAHC2 CH..tRG.!S. to;.ther with 111
qOsfl anet 8Xp,hSO$ for which yoti aJ:e_ rriporisi'ble tjntjer lhis'_~nt ,You will psy YOl.ll' Credit Un. aCC9td!~ 10 I?ll pi~ tonM .., forth btlow,
1nh~ Is more _than_ ClN( ~1;1:O.Vi"r. lach.is }CIndy_ ind MV~.... oil jhli,'_AjrHme"l. This M"..... w. tan requite any one 0' you to pay
-all'.mounts dUG: under this AQrtlflm:Il(I~hidl!t_g i:rtdlt.ldvone- ~ kj iIny ar you. E8ch Borrower.author1%'" Wry other 8onawe-r, 01'\ his
'9f her aJgriatur. "'on"._ r()_~., -the Cr'OdU line. .tb r.g~~ :aiiId tetiI~ ~ .advance.. ."d 10 do all e'h., !hJngs "iI'C......". 10 Utry eur 'h~
lerms 'ollhls "liireltrfM:nt. w. 'can.relo,as. IlT'f ef You from ni_SpOnaIblUty' ~ thli. Agrum.nt, and the other. will ren\Wn responstble.
~Inlmum Payment. Your ,"R~Ulai:' PiI.~nr will bl mon'u,iy' -~rMnt. Of i20.oo er 3.000-% et the outt:tlndlng balance on yeur ~rtOdlc bIlling
.~tement, ~bICI'l.v.r Is greater, Yciur '"t.,(inlmum_l'Ji::I'_me~~'~ _~'_Y<l~ ~.~_ Payment piUS all' amounts plSl due._ any VOluntary credit IIf. ar.d
d/qb/llty Insuranc:>> "~mfuinS. .lnd ell o!t1er ~_5, You_ ~ In PlY I'!dt Nu th<<t1 fhiI Mlmmum Payment on 0( bittore tho- du. dati indlc.J:totd on
your perlodle biUing_statement. In ,ny he!1I, If VOl,lr C'edit Line ball.~" below S:!O.oo. you Igreelc pay your batanc. in MI.
AppUca;tlon at Payments. Ul'\lOS$ otherwis-e aOf"d or reqUlrad by appllclbJe. taw, paymlnts Ind olhGr credils will b. aj:JpUed in the !olIowmg order: to
(a) FINANCE CHA~GES. (b) unpaId princlp.l: a.nd (e) tat. CryargM and ofhM chug.s.
Term. The term 01 yoUr Ctedll Une will begin .s 01 U\e d&~ ot this .t.grMmenl ("Openlnll O.le, and will continue untlt your rllQunt t~ ta{ml~:lte !hl!
account or at the 8w', dlscr._lIon. In whict, case your obligation wiW remain In fulllo.~ and ,Hoct until the outstanding principal balance is repaId with
interest thereon according to lne lerms of tha Agreem.nt.
Receipt or P.yments. An paymonts must be mid. by.. ch<<k. monty order. or other instrumltn! in U,S. dcJ1ars Ind must be r~d by us at the
remittance address shown on your pertod"lC billi~ statement. Payments recalved lot that address prior to 2:00 p.M. Eastern S1andard TIme on any
bU'Slness day will be eredlted to your Qadi! Une as 01 th41 dall!.rKeivtd. If we ~w payments at other loc.lloM, such paymonb will be Cl'odlled
promplly to your Credit Une. but ~lting may bo del..yt:d for up 10 Iw15) days Iner recctipt.
D"odlt Umit., This Agreemenl eOlJeI'S_. r.IIC)lving_li_neot~it_fO;_ V_I V'5t.....r I.r IE/:) (J)f"74(1 n,," ,,..; C . which wl11b.,
your ~Cnl:dit Lirl'ur_under thIs ~lII_mont. ",OU mlY borroW iig&fnst the_ crldltUne, reply Iny portion 01 the amoun! borrowed. and r.-borrow up to 't'
amount of the Credit Umil. YourCitdit Umit is Ihe maximum'imoun! yoiJ- ml.9 have C1ufstandlng ..1 any One lime. You aljlr" not to attempt. request
obl3in a crodlt adyanca In.! will maxe_your CredIt U"" Account bIIanc&: IXCMd your Cr.dlt U,rnl. Your Credit Urnlt will not be InctU$lId should.
overdraw your Credit Une Account. If you exc&td your CtedifUrriit. you Igrtt to replt,y Immedlataly tht amount by which your Cradlt L.me Accc.
axeBltui your C.'"-Odi! Umil even if W4! ~VI not yet billed you,
Charges to Your Credit Unif;. WI may charge your Ciadlt Ui'\t' to pay oth...- fHs and costs I""J you .ro obilQ'~ to pay unO&: lm .4.~f"'~n'
under tI.t'ty other document_ related tQ your Credit Un.. "i'tY amount $D. chcrJed to your Credif Uno will be a cradlt adva~ and will decrease fhe lune.
available, If any. onder th. Credit Une. However, we have no obllg;atlo'n 10 prOvlcH any of 11'1. Cfedl! advallClS ,.f...r.d 10 in this p.ragr&;:lh.
Eff~ctlve Disbursement Oate. Tho words "E_ffKllw Olsburs~un4'"-t O.ta~ as use~ _In this Agreement m..n a dat., aftef tha Openin; 00.1., when Ihe
AQteement is aceepled by us in Ii'll! Commonwealth of P.nMs~.'.hd you havI met all 01 our conditions lor tl"ll Ctlidit Una. You Ilgroo, and
undorstand that you may nol roceive any'credll.dvlrlCe und8f YOUl Credit Line unfilllfler the Effactfvo Dlsbursament Oaell of this Agreomont.
Credit AdvJ;nces. After the EHectiVCl Oisbursament Date ot this AgrHment. you may obtain cnidit adva~s under your Credit Un. 1.$ IOUows:
(al Wr llin; a preprinted '"Personal Cash RO$4I1'W Chack"INI,t we will supply to you.
(b) Requesting a credit ad...ance from your CntdIt Un. tc:.be applied 10 your designaled account by lelephone. You agree- thot we do not Dl:c~pl
responsIbility lor the authenticity of telephone Inslrucllona and lh.at wo will not be liable for any 10.... ell:pe:nM, or cost &ri!tlng out of any
telephone request, lncludlng any fraudulent or unauthortztld telaphon. request, when acting upon ~ch Instructions bttlliJvccl te be
genuine.
(c) Writing _ CheCk orryour designated checking ~unt with us In er.cess of thlt 1l1l&l111bl. coIlectad balaneo In thl account.
(d) Requesting I. -credit ..d....nca In porson at ar;y of C:Jl at):hocU:ed localb"~'5_
tel Requesting an advance by mail.
If there is mote than on. person ._uthoriZltd 10 use thIS Credit Uoe Account, you agr&o not 10 give us contlictlng Instructions, such &5 on. ot you loU,ng
us !"Jot to glva advanCfl to Ihii OlhGl'.
Umftatlons on tt'l~ Uso of PerSOnae Cub ReS6i'V1t Cflecb:. W. ~ tt:e right 'lot !o honor PersO(1@l OU" Ae$erve ChecJ-..s In the followfng
clreumst.a.nces:
(al Your Cr.dit Umil has been or would be tlXCMded by paytng the P.rsonal Cash Raservo Check.
(b) Your P6r5an<</ Cuh Reserve Check is post-rlated, It,,, pQSt-dalad Pmcnal Cuh Reserve Check is paid and U J: f6stlll any other chfK;x is
returned or not paid, W. .,. nof responsible.
(c} Your Personal CUh Reserv. -Chocks N\ItI been report.<:! lost or stoItn.
(d) Your Pen-onaJ Ci-sh Reserw Check 1$ not signed- by all "^uthor!Zl.:d SIgner" as daflned belQw.
{e) You ire In default or olh_6fWl$e are ,n violation of this "'grHm.nt or would bl so il we plid the Ptrsonal Cash RISaM Check.
(f) 'four Personal C&sh Reserve Ch&ek is less than lhe minimum al'nOOnt lWquired by lhis Agre.ment or you ar. in violailon of any other transt.ction
"Q'ulf'8ment or WOUld be if we paId \he P6($onal Cuh ~e~ ChICk.
Jr we pay any Person.l CUh Ro'itrva Check under thltn C1?ndl~ons, you must replY us, ,"ubject 10 appUcable II.ws, lor \tleo amount 01 In. Personal
CaSh Rflerve Check. ihii Ptl"Ohat CaSh Reserve ChiIcX it$elf\WI b. evid9nco of yQur d.bt to IJS logether witl"o 11"01$ Agr.ement. Our U.btUly. if any. tor
wrongful dIShonor of . check i$ limited 10 your actual da"",9O!o' Dishonor for any l'ltason as prOl/id.d in thIS Agreemer:t is nQt wro/'lQIul disho/'lor. We
m~)' ChOQS~ f'!cl 10 r"turn Pttf',pn,a,_ CiVt ~$8'rve Cheeks &long with your p.nodic billing sfa~m.ntJ.; hl)w8v.r, yoU! un ~ . Pers-OMt Cash AtSJ!)N&
Check WIll tie fellec~ed or't your p~oCflc $lala..,,~nt as. Cl'edill.dv.nca. We do not -CertIfy" P.~o~1 CUh Reserve Ch&eks drewn on your Cr.OI! lIne
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EXHIBIT
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PERSONAL CASH RESERVE AGREEMeNT (13)
(Coilllnuod)
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Poge 2
Trln.Mi:tton RtQl..'ttementt.. Th. ~ nnW:tion lmltitlans ~ appty to IlCCeuitlO your er.dll UM by Wliijno . Pwson.l Cash RtSer.re Check.
Mltdmum Advance Amount, Thot minimum II"\'1Ount 0: ll'ly Credit advance that Cln be mid. on- your Credit Un. II as f'clIlcw1: $ioo.oo, ThIs
muns -any Personal CaSh ~ CMCIt m~1 bit wrntet\ !or at ieW ~ tNnImtJm advance amount.
The following tralT$.aCtlon IImitallons wi: apply ~ .~ 'fQUf er.dll UI'IlJ by wtiting a chd In UCliisS of your chtclllr'IQ .ccount balance. %l
MiniMum Advl.\ncIIAmount. ""'- minimum amount oIlny cndlt lctvf;nco thllt can bt ma~ on your Cttdlt Un.ls al fOIltlW'S: $10.00.
AuthQrized SIgner$., The words ~Aut.hq/i~ Slgn'lr'" on Persl)tW CUh AesCK\lll Ch<<;ks as UHd In this AgreerrMint m.<<n and Include uch plrs.on
who iii ~r,5 ftw; ;.ppllc.:,tl~., ~ l~ c.~ u.~ (b) tlgl'l& thltL ~ Or (c) has ~'-d a uparale S1Qnalunt aulhorii:atlon card for Ih. Crllldil I
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Loat Personal CUll Reserve _Cheeb. If you losa yoUI' PatSQrnlI Ca,sh ~ ChlK:k& 01 someone is usIng Ihem without your pet'mlsslon. you <<gree :;._.
to h1it us know immlKiiatGly. 'The faslett w<<y to notify us .. by CIlIYno us at (717) 2(3....3212. You also can notify us at our addrr-..s shown al IhQ
baglnrnnQ 01 this AgrMlhfttlt. ~
Futura ~It LInt' hrvlces.. Your appbtlan tot this CredIt Uoe also sorves as. . l'Itqunt to rece!v'lI any nllW sarv\ce$ (soch as acctlS devices) -~
which may be l",anabl. II soma Murw time *S one of OUl' ~_ it; conl)ldlon WI!h thi$ trtdll Una. YtltJ lJr\dft1,tanc1lhal [/'lIs ~OOIt Is voluntary .Ilr:d ~
thai you may I1ltUSil af1n~r thtse new ~ It the tinlli ,IMY ~ otft~ You rurth.. understand that the terms Ind conditions or Ihls Agrallmenl.
togatht1" wilh ahy sp&ciM: terms covering !hi new ~. v.itf gowm any traf\S4Cllon:s mad. pU/'$t;:.nt to any bf the!>>. nlllw $4trVlces.
CqllaJeral. To IhO oxlenl co~_leral pnl\/iously ha_' b~n ,~...n ~ Us bY' any pe.rsoo wl1ic!t may Hl:ure Ihls Credit Une Accounl. whether directly or
indlraelly, it Is s~lIcalty agreed thai au $uch eolttliaral cOii$l$Bl1Q of 'housahold goods will nol MCUl'II this Critdll Une Account. In addition. il any
colla.teral requires Ihe gM"Q. l::If . riQht of tMcis$lon t.!noer' Trutti in lAnding for this Credll Une Account. such collatetal al$O wil not secure fhis Credil
Une Accounl unless all reqUIred notlC8s of tl\l,1 right ha..... b..n gIven.
RighI or S~totf. You_ granllo us . contractual possessory seCul'lty inllllrl$t In. and hereby assign. convey, deliver, pledga, and lIansler 10 us all nght.
title and interest in and to, your accounb; with us (wheti"lar ehtcldl'\g. Slvirigs, or some other accounl), lneludlnliJ without HmilaUon all account!. held
jolntty with someone else afld all acco.unts you may open in the future. excludlOliJ howaver all IRA, Keogh. and trust accounts. You aulhorlze us. to tMe
.'xlen! permitted by applicable taw, to eharg. Qr satot! all sums owlng on this Aoreemenl agalnslany and 1.11 such accounts.
Periodic Statements, If you ha..... a bala~ owinQ Qtl your Credit Une Accounl or hallG any account .ctl..;ly. we will send you e periodic slalemon!. II
wil1lhow. among other things, credit adllaoclU. FINANCE CHARGES, other charges. payments made, other credits, your ~nt,""ous B&!ance.. ~ and your
'"N~ Bal.nea." Your statement also will identify the Minimum Payment you must make lor Ihat billing period and Ihe dato it Is due.
When FINANCE: CHARGES "-gin to Aecrue. Periodic FIN~CE CHARGES fO( Cl'ed!t advances under your Credit Un. wnt begin to &ccrue on tMI'!
dale Ctedil advances are posted to your Credit Una. There Is nCl "frtc rido period" which would anow you to avoid a FINANCE CHARGE on your
Credit Une credit advances.
MelhOd USed lo DetermIne the aalance on Which the FINANCE CHARGE WlII Be Computed. ~ dally FINANCE CHARGE win be Imposad on all
credit advances made under your Cr9d1t Una imposed from the date of each credit advaf\CfI based on th, "daily bal<<nce'" method. To gd! Ihttl daily
:;;J;1~ ~ t!;1'::~ 'he b~nnlng b.alanca of your Citidll Une Account each dl.y. add any new advancos and subtract any paymonts or credHs rand anI"
unpaid FINANCE CHARGES. ThIs gtW$ us the wdaily bAlanc....
Method of DetermIning the Amount or FlNANCE CHARGE. Any FINANCE CHARGE is determined by applying the '"Periodic Ra.te.. to the balance
described above. thin we add log.lhel the periodic RNAHCE CHARGES loc each dlY in lht billlng cycle. This Is your FINANCE CHARGE
cafcutated by applying: .. Periodic: RlIt..
Portodlc Rate and Correspondlnlil ANNUAL. peR:~TA_Gf: RATI::. The ~ic RAte <<nd the col'TDSponding ANNUAL PERCENTAGE RATE on
yourCredlt Une &/'1 based upoo an ANNUAL. PERCENT"~E ~~Tf:_9n raJ10u Qf b~1\COS as shown below. To obt.ln Ih, perlodic rale. we divide Ihe
interest rate by the number of days In.. year (cklly). To obtaln lfl. AA~ul.L PERCENTAGE RATE we mulllplythe periodic rale by Iho number of days
in a )'lIsr (daily).
RAnge of Balances FIxed Inlerest ANNUAl PERCENT AGE Dally PeriodIc
(lr CondJtlons Rate RA TI;: Rile
AU Balances
13.000 %
13.000 %
O.~S42 %
Notwithstanding IIny olher proviSion of thiS A.greemtmt, wo wtn not chal;e Interlt:sf on 4nY undlUiurscd loan proce~s.
Conditions Under Which Other Charges May be Imposed. You agr.. to pay allthl other fees and chUQu related 10 your Cre:dit Unlll as sel forth
bttllow:
Lata Chllr~s. In I.dciliion 10 cur rights upo.., oef.t.d!. your p'V,","t will be late If it IS not reclllivtd by US within 15 dlYs at the "Payment Due
Date" shown on your periOdiC sbltement. If yoUI' payment Is la~ we may charge you 5.000% 01 the peymant.
Right to Credtt Advances. Arter the Effective Olsb~m.nl Oat/fl, We wilt honOl' your reqUil$ts fO( credll advances up 10 your Credit Uml! so long as:
<.> you are nolln delault under the terms 01 this Agreement; (b) Ihls Agreement has not been letmlnated or suspended; and (c) your Credil Un. has
not bun canc.Ued as provided abo"" in lhl section of this A,greemtnl tltl4td "Term."
Default. W. may !leclz'" you 10 b,ln default il any O~ or morl allhl lollowlng avents occur: (a) you fail 10 pay a Minimum Payment when due; {b}
you die; (c) you make any fal:>lt or miSl.<<ding stalements on your CA.dit Une application; (d) you vlolale any provtslon of thi$ Agreement or any other
aQretlmwnl With U'S; (I) any garnishment, attachmlnt, or ex.cutlon Is Issued against any malttltU asset owned by you: (f) you exeeed Y<lur Cr.(I11 LImit;
or (;1 you file tor bankruptcy or other insOlvency 1'11111', 0( an involuntary petition under Ihe provisIO"$ of the Federal Bankruplcy Act is Illed .<walns! you.
Lender's RIghts. If you a:e In det.tJIt, we may lermlr\lte or suspend your eredll Una Act::ount without priot notice. HOWlver, ~ will ncllly you In
writing of our leU.:,;'! is soon u practicable.
(a} Susp~nston. II W8 suspend your Crodit Unl. you wffi IOS8 lhljj right 10 obtain further credit <<dlJ.nets. Howev.r, II other tarms 01 Ihls
AgrHrNmt Will romaln 111 efflet and M bindIng upon you. includIng YO'oX liability lot .ny /I,lrth,r unaulhorlzad use of any Credit Llna .cee.."
d....1CeS '
(b) Termination. If we termlnala your Ctedl! Lln.. your er,dlllml y.;1I be suspandld ana Ih. tnllr, un".id blllnca 01 your eredit LJn' Accounl
will 0. ImmedIately dult and p,aya~llt. withoul pnor notice ~pl is may be requlrld by law, Ind VOU Igrl' to pay lhat Amounl plU, .t! FINANCE
CHARGES and other amounts dUI undlif !hIS Agreemlnt
{el Collection Costs. Upan d~jau!1. we may hll'f or PlY someone .Is.lo help collac: vour CreQlt Wn& Accounl jf yQu d'o not oay V~;.J .a!.so ...."
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FERSONAL CASH RESERVE AGRl;[EMENT (13)
(ConUhuOd)
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pay us lhl.t amoun!. nus tl'lClUd". aubjlitct to any limits unCMf -.,:lpbbl. ilw, our lttomeVS' '"' &n/j OUt '-oil p,panHS whllthttt or not II.. IS .
lawsuit, JnelUdjn~ attf:lmays' '"*'_ anl3_ .~ .~ "fat bankrup~ prOOHCll'll;l (includlng tfforts 10 modify or va"C.I. any automatic stay ar
Injunction). appuls. and all)' an~" post-judQl'Mm COIItctlon ~
(dl .-.cc:t:cs Ollvlces, It "lout' ~ \JM Is_ 5~ or ttrtntt\l.~..you mutt Imtne:dittllly ~n to us all. ~Q"al Cash ~ Ch4tcl<1 and
any cthfl' access dtlticltS, A.rr'/ use at P<<sona! Cash R~ CMCka Of olMr. .cce~ ct.vIcn toliQWinl;i suspension or tenntnaUon may ba
coosld\tf'*d fraudulent VOll will .-b.o ~rn llab'- for any Iurlhlll' USII or Pwsonal CUh ~ Check$ Or oln.r Cr.clit Un. acens ~ not
f1ttum.C1 to us.
DelAy In Enwrcem.nt. \No mal' del8.y or waiv.t 1"- anfoll::an'l.-ilt of any of OUf lignts undlll' lh;ls Agr"mtnl without Icstng thtt riQht ()( any ot...., right II
WI! delay Ot" wailJe; any 01 OUI' rights. W'O .may eftloret thallighl .t any tlmt In thl ~ without .dvtnell nab. FOI txampl., not termlnatlng your
...........~....t ~ ~..-"'P=)'m:fI1 -..d!! nctb:.a. w.:h\';::' t:I = rlI:ht !o ~l"~t!: yol.!1lotOll...11t lq ~ tyt~ If you haw not paid.
Termll'!!lI.IOl1 by. You. l( you b,rynJ~_~ ttil~.Ag~nt. you must notify us 'lnd,.tum III p.rsonll Cash Resei'w Checks and any other ace.ss dff'J!c.$
to LlI;.. ~pitt.t termination:, your 'obligiijons und... this ,tgt-..ment wi~ hIlT,ain i.., tuiI tore. and Ifftd unW you htVII paid us ill lmoun~ due unc:.r thIS
Agl'Mment.
PntP:*)'m.ent. You may -prepay a.l: or. a.ny ar:nount owil:1O unc., this Cnldil Une at any tlma without ponatty, axcapt we wIU b(t en!ll1ed to rilC8NII all
<<CC<t\HJd Fl~.-.NCC: CHAAQ:ES, and other c:~IIIS. If any. i:'aymlllnts In eXcUs of your Minimum Payment Will not relieve you of your obllgation 10
continu. to make your Minimum Payments. InstN.d, they will: rw:duce 111. princlpal bllte.nce owed on th4t Cr.c'lt L1n.. If you mark l. cheCk, money order,
or other instnlm.nt sent in payment with "Paid in Full" or with similar Ilnguage. we may &CCI'pl tht p;.ytntnt. and you wHl remain ocligallld 10 pay any
further amount owod to us.
Nottces. All nollees will b. sent to your .ddress as shown In your Credit Una Ippbtlon. Nobs wQl b. mailod to you al . differenlllddr1lllS Ii you
gl~ us wril111n noffc:a of a different addf'l$S. You awe. 10 .d~ us promptly If you change your mamng addt'tU.
Credit .Informatlon and Re~ted MoIlUer.s. You aulhorlz. us 10 releue Inlotmallon to ott\ers {such as credl! bursa us. merchanls, and other nnlUlclal
Institutions} _bout the slalus and hlstory of your Qedn Un. 'Account. You 19ree that, upon. our ~uest. you will provide us wllh . currenl financial
stalefMnt. . "ww credit appllcallort. or'both, on rotltl$ provided by us. You al:so agree WI ImiY obtain credit reports on you lit any lime. at our sole:
option and ClxpenH. rOt Iny ruson, including but nolllmllrad to dalarmlnlng whtt:Mr" there hai bltn an adveru change in your llnancia! condlhOl1,
Based upon.. materi41 .dvers. chang.ln your nnatICl.l COndillon (SUch as t8l'minlltton of employment or loss 01 income), we may suspend your Cred!~
Un..
Transfer or Autgnmenl. Wllhout prior nab Of approval from you. WI r'lOarva thlJ ri'Ilht 10 sell or tnln$fer your Credit Unl Account to another !ender.
ttrltlty, Ol' person. Your rights under thi$ Agreement !'>elong to you only and may nol be transferrld Q( assigned. Your obllgaUons, how.var. 4(8 binding
on your heirs and leQal /'Gpresentallves.
Tax Consequences. You understand lhal neilher Flnt:nelal Tru$l Company, nor ar.y of Its amployeos or agents. makts any represltntaHon or warranty
whatsoover conclilrning the .tax consec:;uanca; of your 8$fabUshif'lg and using your Credit Una-, Including lh, daductiblllty of Int8ri!t, and thaI neither
Flnancl&1 Trust Comp<<ny nor its amjJloYM' Of' aganls will be liable In the evenl inlll"lSl on your Cntdll Un. Is nol dtductlblo. You should consult your
own ti..x <<cMsor fo: guidance on this sublecl
Governing Law. This Agreemenl will be govemea by I'eder4llaw and by Ihe laws of the Comm-onwe.aUh or PennsylVania. The CAdU Line
"'''!~~ I~ thO! .pJ~!~et t'f ~to!& "'U"!~Il}"! ~ ~" N..'I-pllo1Jd (,;Ir. eonslder~, a!JDrovect. "nd made In the Cl:lmmonwellllth of PfmnsyIVlln~.
Jnhlrpretatlon. The names given to pal1l.gtIlphs or aetlons In thiS AgrlMmenlare fat C(lnv.nlttn~ purpO$aS only. They are nollo be used 10 Interpret
or denne th, provisions of this Agreenl'nl You IgrH that Ihll Agree:menl is lh. bost .vtdlilr'IC. of your agrHmenls with us. 11 a court nods Ihal any
Prtl'Ji$\on of ttllS .A.Qr..ment is not."vallc1 or should not ba entorcod, thll fact tit ~ will ~ot mean \hat the rftSl of \hi, -'.gr..mlnt will nol be 'Valid or
enforeed. Th.,.rora, II court llIi.y .nforce the resl at tho prov!tions of lhls AgfNm,nt avan If a provIslon Of Ihls Agmmen! mny be found 10 b. Invalid
or unenforceable. It we go 10 coun ror any reason. WI can USlt a copy, filmed or alectronlc, of any plJliodlc statemllnt, lhls Agreement, or any other
document to provI whal you_owe us or that. tran$.llctloo has Iaken placa. The copy; microfilm. mlcrotlehe, or oplical Imaga will hl1V.lhe ~m' valldlly
as the original. You agree that, except to the e:xf8nt you can show.lhere is.. bl16ng error, yol:!: most cUmlnl periodic biWng slalemllnl 1$ thlt best
evidenca 01 your Obligation to pay. _
Payment Due Catc. The paymenl doe date will be the I <::,. 1J...;..- of every monlh !herT is an outstanding balance.
Overdran ProtectIon. The Checking account 10 be covarad rcr overdraft protecllon Is - 9 L.j t-{"3 ~
AcknoWledQm.ent and Amendments. You undl/'Stand and agree 10 Ihe Itl1T1S and conditions in this "'gr,omant. You aCknowledge Ihal, sUbJecl to
applil::abl.a laws. we have the nght to ct;ang1li t~ ,*"ms and CQl'Idl\\on$ tlI th. Cfedlt Une- progra.m. '(ou also unden.and and ..grllla ,hat you may bra
SLQject to other agreements with U$. ,..gllrdlnr; lra:\Sht~ lnsltumenls or acces.s devlats which may accass your eradl! Une. Afly person ~ning below
may requltSl .. modl~&lion 10 this A;reemGnt. and. If grantld. the modlfte&lIon will be binding upon all s1'01I'1erS. By signing lhis Agreement. you
acknowledge lhat you have read this A;reerTlent. Vou also acknowledge recelpt.ot a copy of Ih~s Agreement. I I l'lQ 1M Fall' Credit aming Notice.
511~( I+. 1
BORROWER: 0 I V tJ.U, r' tS:4
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Th.:= AgreemenllS dated
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PERSONAL CASHflESERVE AGREE!MI!NT (13)
(CoiilinUeil)
811.UN'G~ERr:t()A FUGH,S
Yl:il,lR~fI.UNG AIGHTS
Ket> lHlSNOflcE FOR AJTURE USE
ThIs _!'lOb OOt'alns iinpOttard Infotml,tioo about your tights W our ~Qnll.lbllltfGS uoder h Fair er.dt B~ng Act.
l':lI1.l1!y l!~ In CJOl!, Of iOni>,. or q~~sW>1lll .boul your bill.
~~ll1tJ!nl<J=~jfO!lll'o;{l:'!~~:~~.~~~~ .~~ on _b!l. '\"',. us on. sopr=.....' II 0... ~~l Hgh s...~
.J.""". '~_~.':___""_ ..A'IafJ.P..I.,:Jl!.,.,.~,~.,,_.,~-.., Jffl."'J!!.4!l..........._ ..,.,_~~,~.&c!O'1.~,~.. Yf~.mlJlt '.' ~younor. ~nsLxfy(60l
u.~~.lI"'I,~_..ilIyoUh _ bit Ch~~:~ MOc'_-or~~.~. VOUCl:n~ Ul.lM doltlQ\OWfI ~~)'aUl"righlJ,.
In yt;U,lett':;:gfve Ui the ~ng ~m2lon:
~Out, ~nw l,nd .ceount'ri~.
lii4f~~ 1!'.~nt~:~.'~~_I_i-~_~9t,
-~ th. ~,rnf_~.~.If-yOO-c:an. why you believe ~ .an em;lC'. If yoU l\Qd rnor.lnfQf'matloh.dQcribt: the llllm you... not sure
.'bout
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11 -)'O,!J hI;~~.t.lfNit_* us _l!:l J?Y ~-b1i '!oI!~~'tr:om_.~ ,':'~I)OS- or cMcldog acctMJnt, you e>>n stop 1M pa~nt an lny .mounl you lhlok Is
~: To ..lop_ tho:J)a~. ')'olM' IetWmU&I~ "" itW1M. (3}b~_clt.V'l tMtor.1he .~tlcp<<ymill;'Itls K:~ to occur.
y.()'uf::r.igh~' end ~Li.r re.i)~MibJJjiie., .~er ~..,~,~~~e:yOur written noUce.
~.-:~~f.cIc;~ yoUr _ieffiH-Wlltlln \hIrly@J) days. uoIMs- W. have corr.ctcd tM..-ror by lhen. WlhIn n1nely (VO) diiys. we musl either coned the
O/llital"iil>liifn WliYw. tiOllO.....lhOlill.... corio<:t
~..~_;I:P.... roOf ~lter. ~ ,Cll'!not try 10 -tOl~ aryy_ il'OOl:ln! ~_~q~t1ctrl._ or report you u dellryq~ w. can ~6nl:J. to bill you for 111. amount
VOU_quOslliln. tncllJding_ftMnce ~.-l.l:Id ~ CIi"_ ~-.ny'UriP&Id,'moun! againlt_your Credit UmU. YOY do flOC haw to pay .ny qlKlSUoned
..mount \Yh1.'t We Int"!.n"'-S1fgI;6n:g; -but you.,.. stIIr obligated to pay the p,Irts or)'Otl" bl......... notln quesU-on.
It~, ftlld that W4I ~9._..n:Ns~.(Il"! YO~~..b!lI. youWII ~ ht.,ve-lO13IYany h~cIwgn f.~ to any q~!ioM11.mounl. r,we didn't milk..
.m;~~'! ~ ~V_h&~ IO_~Y 1I~~cNrgn..nd)lO!J wlII ~~.~ n)l.k. "PIny mlIMd payments on the qUlNtloned amolln!. In elth<< caN, W.wm
..-na,you .",te.brntnt of the amoiJnt)'OlJ owtI and the dale on which It" dlJto.
If yoU fallo: p.Y_1.~,.mOUl1t lhat_W!_,!hlnk you OWl. Wilt may lWp_ort )'OU .t 'deHnqutnt. Howlr.tor.1t our ~t1on dou no! qllsfy you and you writ. to
uti 'W/ihtn ten (10) ClfI.ys ..lIIng UJ thai you sua ,.ruse to pay, w.-m1,I&l lei anyQnl VW'9,~ you_to IN.t):'9U he.'~ .__qUM~_&bOl!1 yoor bill. And. WI!
m~:")'aU!.he name orMnyon. we r.pnd'you Ie. W. mU$l\tl .riycM-w.~)OtI to thai therrsenir has been..m.d betWeen US when it Jlne;lIy
Is.
11 wtl don' follow these rufA. we can' c:ohct U. rnt S50 oIlM qLIHlloMd amount. awn H' your bll WlS (:OlMCt.
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[
241-0060 FINANCIAL TRUST
611 1'02
RUG 04 '00 13:26
(C(Q)[P)lf
January 6,1998
Diversified Computing Inc.
Michael J Haydon
Cherie Haydon
6285 Haydon Ct
Mechanicsburg, PA 17055
RE: Account #20106740002
Michael & Cherie,
This account is showing past due for Sept, Oct, Nov and December 1997 in the amount of
$1,256.30. Your application to PA Housing does not affect this loan. You need to start making
payments on this account.
Because of your delinquent status ou this loan, your line of credit has been removed. To
reopen the account you wiIl need to reapply.
Sincerely,
Kimberly D Hammond
Loan Workout Officer
EXHIBIT
Ih
"\
SHERIFF'S RETURN - REGULAR
~"
CASE NO: 2000-05485 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
KEYSTONE FINANCIAL BANK NA
VS
DIVERSIFIED COMPUTING INC ETAL
RICHARD SMITH
, Sheriff or Deputy Sheriff of
Cumberland County, Pensylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
was served upon
DIVERSIFIED COMPUTING INC
the
DEFENDANT
, at 0014:25 HOURS, on the 17th day of August
, 2000
at 6285 HAYDON COURT
MECHANICSBURG, PA 17055
by handing to
CHERIE HAYDON
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
18.00
6.20
.00
10.00
.00
34.20
S~~ ~~~(
R. Thomas Kline
08/18/2000
DUNCAN & OTTO
Deputy Sheriff
Sworn and Subscribed to before By:
me this 8/ JlY day of
~ CL~A:~~
othonotary , 1
.-""~- ~
-- ~
SHERIFF'S RETURN - REGULAR
,
r"'
CASE NO: 2000-05485 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
KEYSTONE FINANCIAL BANK NA
VS
DIVERSIFIED COMPUTING INC ETAL
RICHARD SMITH
, Sheriff or Deputy Sheriff of
Cumberland County, Pensyl vania , who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
was served upon
HAYDON MICHAEL J
the
DEFENDANT
, at 0014:25 HOURS, on the 17th day of August
, 2000
at 6285 HAYDON COURT
MECHANICSBURG, PA 17055
by handing to
CHERIE HAYDON
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
6.00
.00
.00
10.00
.00
16.00
So Answers:
r~~~t:~~
R. Thomas Kline
08/18/2000
DUNCAN & OTTO
Deputy Sheriff
Sworn and Subscribed to before By:
me this 1/"","
day of
0;,. ~:.u". ,;
rothonotary I
""'i""~
, . ~ .
SHERIFF'S RETURN - REGULAR
>
.
CASE NO: 2000-05485 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
KEYSTONE FINANCIAL BANK NA
VS
DIVERSIFIED COMPUTING INC ETAL
RICHARD SMITH
, Sheriff or Deputy Sheriff of
Cumberland County, Pensylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
was served upon
HAYDON CHERIE
the
DEFENDANT
, at 0014:25 HOURS, on the 17th day of Auqust
2000
at 6285 HAYDON COURT
MECHANICSBURG, PA 17055
by handing to
CHERIE HAYDON
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
6.00
.00
.00
10.00
.00
16.00
So Answers:
r-~~-e:~.,
R. Thomas Kline
08/18/2000
DUNCAN & OTTO
Sheriff
Sworn and Subscribed to before By:
me this JIAY
day of
(}~"'''''' A.D.
o )u.dR-./ -
r thonotary "I~
.-~_~ _lIll
<.
KEYSTONE FINANCIAL BANK, N.A.- : IN THE COURT OF COMMON PLEAS OF
PLAINTIFF : CUMBERLAND COUNTY, PENNSYLVANIA
VS. : CIVIL ACTION- LAW
DIVERSIFIED COMPUTING, INC., and
MICHAEL 1. HAYDON and
CHERIE HAYDON,
DEFENDANTS CIVIL TERM 2000 - 5485
PLEASE MARK THE ABOVE CAPTIONED MATTER SETTLED AND
DISCONTINUED.
To:---CURTIS LONG --Prothonotary
OCTOBER ,2000
William A, Duncan
Attorney for"plail}~iff
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