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Home My WebLink About00-06986 I-~~ .., -',- -."--' ..~-", ~I,'.,- ."~~,,' "'-~",'_,,,",.~,'",,',' '~_ "",__, ',..:..',."-.".,__,:-L'.,,'._',.:;_ ',.,;-,.. .I~_~~"'I HARRIS SAVINGS BANK 235 North Second Street Harrisburg, PA 17105 Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW v. NO. 00- fo9Pb Co~('-r~ ANTHONY MARCHESE, JR. Defendant NOTICE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or 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 Liberty Avenue Carlisle, Pennsylvania 17013 (800) 990-9108 Date: October JQ.., 2000 KEEFER WOOD ALLEN & RAHAL, LLP BY.~ Euge . Pepinsky, Jr. Attorney I.D. #23702 210 Walnut Street P.O. Box 11963 Harrisburg, PA 17108-1963 (717) 255-8051 Attorneys for Plaintiff "',\",; " I, '^"^,,"'u' ,-',>I._.__'''''.'_ '.,' 'cc '~:;'~'-';'-'",-__-,,_~_<,,: _.,,--~--_'''-,,-ic,,.;;.i:_> ';6;-;, I" HARRIS SAVINGS BANK 235 North Second Street Harrisburg, PA 17105 Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW NO. 6v' (.9(;7 Cu:...t T.u- v. ANTHONY MARCHESE, JR. Defendant COMPLAINT 1. Plaintiff is Harris Savings Bank, a Pennsylvania state-chartered savings bank, with its principal office at 235 N. Second Street, P.O. Box 1711, Harrisburg, Pennsylvania 17105. 2. Defendant Anthony Marchese, Jr., is an adult individual living and residing at 906 Scottish Court, Mechanicsburg, Pennsylavnia 17055. 4. Defendant, as buyer, entered into a Pennsylvania Motor Vehicle Installment Sale Contract with Sutliff Chevrolet, as seller, respecting a 1992 Chevrolet Van, VIN # 1GBEG25K6N7129547. A true and correct copy of the said Pennsylvania Motor Vehicle Installment Sale Contract is attached hereto, made a part hereof and marked Exhibit A. l'11f,;.;1i':.4:'; I -, ' .. ;",,-,-,,~ ,,', .,' < ' ~ ~~. -,'f,'_ i -.' ., ."', 'i"-;" ",':, "' __ , 5. The Contract was subsequently assigned to Plaintiff. 6. Defendant defaulted in his obligations under the Contract, and the Vehicle was repossessed. 7. On May 9,2000, Plaintiff sold the Vehicle, leaving a deficiency balance owing in the amount of $4,880.57. 8. Despite Plaintiffs repeated demands, Defendants have failed and refused and continue to fail and refuse to pay the current balance owed to Plaintiff under the Contract. WHEREFORE, Plaintiff demands judgment against Defendants in the sum of $4,880.57, together with interest, attorneys' fees and costs of suit. KEEFER WOOD ALLEN & RAHAL. LLP. Date: October ,&, 2000 BY:~~ ~~inSkY, Jr. Attorney 1.0. No. 23,702 210 Walnut Street P.O. Box 11963 Harrisburg, PA 17108-1963 (717) 255-8051 Attorneys for Plaintiff -2- ;:'!;~';,;.'; ,-"""",,,,' VFRlfl~AT'Oti 1. (S)He is LLS:.D.... A. flJ{y..sh ,herebyverifiea and states that A V (J of Hams Savings Bank. Plaintiff herein; The undersigned 2_ (5 )He Is authorized to I11<1ke thiS VerlflcatiOl'l On its behalf; 3. The facts set forth In the foregoing Complaint are true and c;orrect to the best of (her)hls knowledge. Il'1formatlon and belief; and 4. (S)He Is aware that false S1atemenb herein are made SUbJect to the penalties of 18 Pa. C.5, 5 4904. relating to unswom falsification to authorities. Y1/4 rf fY( tJtAJ.-- Dated: ID/;O .2000 ~ .~ ~ ~ ~ I~ - qR VEilii;'(E INSTALLMENT SALE CONTRACT, Dated SEPTEMJ3.ER 23 .P.J!l_ 111 ~~ ~'ii," I OS.-I COI "(,3.3 INNUAL FINANCE Amount Financed Total of Payments Total Sale Price 'ERCENTAGE RATE CHARGE The amount of credit provided The amount you will have paid after you The total cost of your purchase on .he cost of your credit as The dollar amount the 10 you oron yourbehaJf. havemad'e all scheduled paymenls. credit,incrudingyourdownpayment I yearly rate, t.fedi\lwi\lcostY'3\1. 01$1,000.00 12.~0 " % 1$3,667,77 ~'J ' , 12,550.~5 $ 16,218.72 $17,218.72 "., ur Payment Schedule'wlJl be: ' ','" ":.. " ,-,'. ."1':' ,.', '~l: p. , 10. of Pay mer lis Amount 01 Payments When Payments Are Due Security: You are giving a security interest in the motor vehic,le being $ ,"V, .0' Monlhly,beginnl"'~'" " Uf ~\\J purchased. .. ' . " , ..,n Prepayment: If you pay ofl early, youwiU not have to pay a penalty. ling Fees: $ .w t~ Ch~rge;)f a paym~"t is I~te, you wiltbe charged,2% of the portion of the payment which is late for eilth month, or part of a month greater than 10 days, thai it remains unpaid. "" e,below and an~ other CcJntract documents for any additionalinlormalion about nonpayment. default. any required repayment in full before the scheduled date and -prepayment- lundsandpenalties. ' .. e means estimale ,CO"'''IiIUTLIFF CIfEVROLET CO. '- SUTLIFF CHEVROLET P.O. DOX 1307 lLER. Name Address llARRISDURC, PA 17105 ZipCade " ANTIfONY MARCllESE Jr.' ilYER(S).-' ' Name{s) , '1l8MAnKET ST Add~ess{es} NEW CUMBERLAND, PA 17070 ZipCode(sl 'e is mare thafl Ofle Buyer, each promises, separately and together, to pay all sums due uS and 10 perfonn all agreemenls in Ihis Contrac!. E-IN: aye traded i86CIIEVROLET llowing,veh!cle: ',;000.00 N/A -$ Year, and Make, Series Grass Allawance _ Still Owing Net Trade.ln alance is still owing D~ th~ ~ehicle you have_traded in, the Seller will'pay oft this amount ~n yo~r behalf. You warrant and represent 1~"US lOy trade-in is free from lien, claim, encumbrance or security inleresl, except as shown above as the amount -Still Owing.. 'ERTY INSURANCE: You may choose the person through whom insurance is obtained against loss or damage to the Vehicle and against tyarisingaulofuseorownershipoftheVehicle.lnthisContract,yau are promising to insure the Vehicle and keep it insured. 1111NSURMCE IS NOT REQUIRED: Credit Life lnsurance and Credit Disability Insurance are not required to obtain credit, and will e provided unless you sign belaw and agree 10 pay Ihe additional cost{s). Please read Ihe NOTICE OF PROPOSED CREDIT INSURANCE e reverse side. Yaur insurance certificate or policy will tell yau the MAXIMUM amaunl of insurance available. All insurance purchased eforlheternl afthe credit S-T DLAZI!R J"OOO .00 lning, yau2g1.S~~e Credi!, Life Insurance, ~~ i~ your Il;OSIs$,. "'~,," ~age?_,Years -~I'" ~~'_~ "HI I-I' IUleofBUyert~insuledfOlsing\eCledit\.lle\m'Ulance BY5igning.yausele~SingleCrSJl~~~~it& ~tisyaur " H"I~ I..,,,",". .hcoh eo,"; 'S:. ""- V,," ...~.~~\,.."..>.. Signa\lII'eolBllyertobe edful"SingleCredil.~dImI. H~\U\lnSIllMW.e :ning,yaubottlselectJaint N/A tLirelnsurance,whichcosls$ Bysigning,youbathseleclJaintCrelfIl .R/A Accident&Heallhrl'lSurance,whichcostsf~ Whalare Percenlage yourages?labe insured -_% What are your ages? L ;,1, tures ot~~~ ~,~~.e~1~_~~ jn~ured. for Jainl ,lf~~~Hf~ :I.~su!~r~~ :;"';', n 2, 'SigoaturesafbalhBuyerslobeinsuredtor)aint: CreditAccidenl&Healthlosurance' , ,~.:~:~ ".\ lifo"~, oc", ,to CONSUlfi!RS LIFE INSURANCE or. CLE: Yau have agreed, 10 purchase, under the terms afthis Cantracl, the lallawing motarvehicJe and ilsexlra equipment which Is called Ihe cJe" in this Contract l/U' 'T'" Year and Make . ~ , BodySlyle "VAN'; ',;1\'j"::'j ~ j:':.i;llt:I'i,',;' Na.Cyl. . S--I': . '"j' Truck Ton Capacity Serial Number 'nlCClIllVROLEll' VAN ' , ,'ll~,k. '. I' ; , " OCBEC25K6N7,1~,~~4{" AJ. P.S." ,,' . ,AM-fM Ster~?-' . '. ;!:,~'S~<' Ol,~~r A.C. P.W.':_AM.fMTape" ". VinylTop 'NEE: We may assll1.ll this Contract and Seclltity Al1,reement to a sales.finance oomp0IlY which is lhe .Assl\1,(lee." I( lhe Assignee assll1.ns the ct to a subseCluent as~ignee, Ihe term alsa refers 10 such subsequent assignee. Alter Ihe assignment. all righls and benefits of the Seller ,in I~is acl and in the Security Agreemenl shall belangto and be enforceable by lhe Assignee. The Assignee will noUfy you when and if Seller makes',a.n menl _"~I IP.ed :'ti HARRIS SAVINGS BANK, 235 North Second Street, Harrisbur~ Pennsylvania 17105 '. :.;) . ,I ,~" GN~R: Any persan signing .the Ca.Signer:'~ Agre~me~\ _below;promises sep,aralely and togelher with alliCo-Signer(s) an~ B~xer(s), to p,ayjl.l.s~!lI~ ~ 10 ~F~o~~, a'!.aue.e'l'.~~~ j~ t~!s C9.nt~aH; C~~.~jF~fr wW q~tE b,e}n OWl!'1rof the Vehicle. 'I' J'" .," -- :' ,: ,': HER: Any pefSon signing the Co.Owner's Security Agreeme~t belaw gives us a security inlerest in the Vehicle and agrees separately and together \I Co.Owner{s) and Buyerls), _to perlorm all agreements in tile Security Agreement and all o\ber parts of this ContTact except \be .i'romise to Pay" ", . S: The terms sllown in Ihebo~esaboveareparlorlhisCanlract. IS,E, TO PAY: '(ou agree to pay ~s the Talal Sale'Price far the Vehicle by making the Talal ayment and paying us the Amount financ~d plus'interest lou pramise to make payments rdance with the Payment Schedule. You pramise 10 make paymenls on ar belare Ihe same each manlh as the lirst payment due date. Yau agree 10 pay all other amaunts which may edueundertlletermsafthisContract. You'agreetopayt~eSellerorAssigneecaslsofsuil so agree ta pay reasonable allorneys' lees if Seller or Assignee hires a n allarney 10 coiled Is due under Ihis Conlracl or to pralectargetpossessian of lhe Vehi c1e.Youagreetamake nls althe place orlo send payments ta the address which Ihe Assignee mosl recently eSinlhewrill6nnaticeloyou. ing below,-we agre~ to sell the Vehicle 10U un~er th~ terms ,of this Contract , ( , , , ' If YOU 00 NOT MEET YOUR CONTRACT OBLIGATIONS, YOU MAY LOSE THE MOTOR VEHICLE AND PROPERTY THAT YOU BOUGHT WITH THIS CONTRACT, AND/OR MONEY ON DEPOSIT WITH THE ASSIGNEE. 'ThisCoOb-act'isbelween~lerandBuyer.A11 '. ,disclosures have been ,made hySeller. Seller ~~intendsto-assignthisO:IA\nIctlotheAssignee. Itemization of Amount Financed CashPric6 , CashDownpaym~nt $ NetTrade--ln , Total Downpayment $ 1,000.00 Unpaid Cash Price Balance , ~,~~5.00 . To Credit Insurance Company t $ 737.~5 c: To Public Officials for. ]j e License, Tags and Registration [ $ 28.50 lO,~~5.00 N/A , 1,000.00 i Lien Fee " I 5.00 ~ . m >= 664.50 0 . il'11 ,080.00.lt' ,j ; 5 40,00 11" " $ r" ~ To ~ 'Fhl , N/A Amount Financed S" 12;'550.~5 Finance Charge ' ,e., .1 '" . 1'1" $"'"' ",: ",3,667,.'77,." , Jotalo'l~ayments (fimeBalance). .Ii: $ :"".' :" 1.6',218.7,2'1. Payment's'~hedule- Yaiagreelo:pay 10 us Ihe Amounl Financed,plus interest in 47 ' , " paymenlsaf$ 33.7 .8lJ . e.ac.~:' tn.JIill~n~,I'~ay~~n}, a,r '1$' .,3.j71~.~~' \j ,,'\, :J,.Thelirst ~!"'~~!~illbedU(W~-,~ ",,~7,::~,:, 19" ''';andthenpayments will be due an thai same day af each monlh following. ,/ "..;}.,' r SECURITY AGREEMENT: To"secure !he paymenlal all sums due and)he perfarmance of all requiredob\igationsllndel\his'Con\racl. you give 11 setlllity,lnteJff..\ in thelJehitle, in 1Il1par\s (talfed-actessions1 attached to IheVehicle at any lalertime, and in an yproceedsoftheVehicle, including insurance proceeds. The Assignee may sel-aff any amounls due and unpaid underlhis Contracl againsf any of your maney on depositwilhAssignee. This includes any money which is now ar may in the future be depasited with Assignee by yau. Assignee may do Ihis wlthoul any priarnoticeb1yoo. ADDITIONAL TERMS AND CONDITIONS: THIS CONTRACT CONTINUES ON THE REVERSE SIDE. YOU ARE OBUGATEO TO AlL THE TERMS OF THE CONTRACT WHICH APPEAR ON THE fRONT AND REVERSESIDES. NOTICE TO BUYER-OO NOT SIGN THIS CONTRACT IN BLANK. YOU ARE ENTITLED TO AN EXACT COPY OF THE CONTRACT YOU SIGN. KEEP IT TO PROTECTYOUR LEGAL R. IGHTS.'" ',' ~, '., , "," ,,' . ' , "'.,,.., a/23/1~~8 BUYER"- ~~:; __~!I",_(S~".I:' '-Date," ':1 " l,'{ a,.' ;",,:", ~/~3/1~~8 , BUYER I''', "lll!,:,""-!- Date ,:d',,~'.' Ji "1<;) (SEAL),I\,' i". C' 1'i'I~,; " . Date ),,,",,,,..,,>,-,, , .. "~"':' lGN Rl'YOU SHOULD READ THE..N,OTlCE TO'"CO-SIGNER, WHlCH HAS BEEN GIVEN,TO YOU ON:A:&EPARATE DOCU~T, BEFORE IN THE Co-SIGNER'S AGREEMENT.,'" ,II,' "" .. "" .'... " ".., '"".... ,. IGNER'S A.GREEMENT: You, the person (or persons) signing below as "Co-Signer," promise to pay to us all sums due on this Contracf and to perform all menu in this Contract. You intend to be legally bound by aU the terms of this Contract, separately and together, with the Buyer. You are making this promise to ce us to mai'e this Contract with the Buyer, even though we will use the proceeds only for the Buyer's benefit., You agree to pay even though we may not have e any prior demand for payment on tbe Buyer or exerched out security interest. You also- &:knowledge nceiving a completed copy of this Contract. (SEAL) igner's Signature",' _;" ." l'I',':i!!r, . ~ " .,. "'r " Address ,':' .'",n :0:'" ,;," (SEAL) ~ . ~! ,Date' "'..10;''/\: ';i'" I"';' ";1 igner's Signatur~ 'Address ",' . i1), . '-c''"',' Ir;:, ;'W '.- I" Date..it;;,; )-1 ',. WNER'S stCURITYJAGREEMENT:_.vou;'-the person signing below. as "Co-Owner," together with the Buyer or otherwise being all of the Owners of-the Vehicle, a Security Interest in the Vehicle identified :above. You agree to be bound by the terms of the Security Agreement and all other parts of this Contract except the ise To Pay" section. You are giving US the security interest to induce us to make this Contract with the Buyer, and to secure the payment by the Buyer of aU sums due s ContracL You will not be responsible for any deficiency which might be due after repossession and sale of the Vehicle. (SEAL) Address. wner's Signa-tuTe , " . ER,CO-SIGNER ANO CO~OWNER,AS APPLICABLE, ACKNOWLEDGE RECEIPT OF A COMPLETED COPY OF THIS CONTRACT HETIME OF SIGNING. . ',. Date BUYER CO.~IGNER r.O.SU;NFIlORr.O-i"\WNFR """1?1F4 ""k.~, I ~i , "HOW ~~_~ TO'TAL OF PAYMENTS_IS eOM_PUTED:_1~e"Total.oCPayme,nts is Ihe SUlll_ of Ihe ounl ~JIIa.nced and,lhe Fin.anc~ Charge.)he~fjn'ance Charge'cons..isfs'soleJy 01 interest mputed da~l~ on th& outstanding bafance of the Amount Financed.: Ihe Finance Charge shown Ihe front side has been.computed on tne assumption that we will receive all paym;!Ilts on their heduledduedates.:,:> ' . ~OMP~TlNG INTE~~ST:(W~:'i!i119harge interest on a dailY' basis on the outstanding balance bjed to mterest on ea~k d'ay'tlf.tne lOan term. The daily interest rate IS equatto the Annual rcenta~e Rate divided byth~ numb.er of days in Ihat calendar year. Buyer agrees that because te~est IS cal~ulated ~l! a ~,a~I~, ba~,ls, late. paymen.ts will result i,q ~addi!jQ~~llnterest (and, if pllcable, a lat~ charKe~ Early paymenls Will result In less ioleresl-beiog charged-: Early. and/or te-payments IV/H C3use the amount of the linal payment to change. :.; . ~TE CHAME: Buyer agrees to pay a late charge for aoy payment not made within 10 days er,!ts due dM~, The lale charge will be 2% per month oO,the unpaid amountollhe payment. e Will consldl!r any part 01 a month in e~cess of 10 d~ys to be a full month. The late charge will duewben earnea:Nol<llechJrgew/ll/)eaueif.thereason thaf the payment is late is because,'-' ter default t~eentlre outstandmgbalance on thls-Contra<;tis due.!No late charge will be due if eonly reaSOn that the payment is late isbecauseofa lalecharge assessed on an earlier yment. . APPLlCAJION OF PAYMfHTS: We wHJ apply paym~sjn-.the lollllwing OItkr 01 priorit,. lirs! to t,qle~ all~,t~~'\ 10 late ~.h,~!ges, !el!!i!,prin,clpal and any olher ,amounts you owe in the,order _Ihat e, c)lOose,. ",' , c" " ,,,,' , ., ~,' '" ,,,,, 'II ,,,,,no '.; j, 'I':' i"" " 1 -',1,'. : PR~PAYM~NT; You ,may-prepay, in full or, inyarll,the.amounl owed,on,lhis Cootract at any me ,without penaUy, ,If Y?U prepay the Contract III part. you agree 10 continue 10 make regularly heduled pa~ments uotll YOll'pay all amounts due under Ihis Contract. This will reduce tile umber of-paY!IIentsyou,will make. ;' cor-; 1 1.0.. . JJ,}'JC~-:'T!Ar ,WAIVERS:' i' i: "I' ; - ,'a, WA}VER BY-SELLER AND ASSI~NEE:'We and ASs.lgne'e waive Ihe right to beal any property s secunly,/orJhe re,p~ment.Of,thl~ Contract, exc~t for the Vehicle and t.he other secu.rity p.!lCifically mcmUoned.il) \h,ls_C\lntract: ',"',' O~O) 1 1~<:.J. . a:l~;.~m'-![1W;J T';:'l!' 13. OUR RI~,HT-S-~r_AA\!.J)Rf.:1!~ PEFAULT~9f THI~,GO~TR~CI! If,YO~_if~~in.-Defauit of this _b. ~AIY~~HY BU~E,~.,,~:9,:~,IG.NW.A~D CO:q~~JR:;You-agree to make all payments 00'0; Contract, we- ma'y'"efrl6tce'ouhi\;h\s accordll1tt01a\li~evltlW also-d'olfl'e Ihlllgs specifically ef?r~_they"ate_due Without our ha_vlIIg to_,ask.If'you don't, we may enforce our rights without mentioned ,in this!Contracl. We ma{do one 01 these things' and anAe same time or later do .oklfymg flJU in'advance; YOUi,g;ve up any righl you may have tl! require Ihat we enfarce l)ur another,Some of the things we maydo aretheJollowing: . ' Ights agamst ~ome otherp~tsOfl or properly before we_ el]lon:e our rightS 'against you. You agree - , a. ACCElERATION: We can 'demand, thaI YOll pay- ~o'.us the entire unpaid ,balance ,owing on ~~t w~l'r~~-,~.v,e IIp,~ur rights agalllst some other. person but not against you. You waive due th~ Contract and all unpaid finance Charges ~nd olher'money due: You agree that you will pay Ihge~ce m"Collectlon' and all delens~s based on suretyship and impairment of collateral or thiS money to us In One single payment immediately upon receiving our demand. ecuflty. ,,' ~ ()O. 800, ~ ,- .1-_-, ;', .,!b,.R~~OSS[~SION: We can rep!l5s9.ss,t,e ~eNg!e, t!nlesSrf,l~!l~bit~HlY law, We can do this 7. INTE,R.ESI AFTER MATURITY AND JUDGMENT: Inlerest at the rate provided in this Contract ooi-s"i!lveS, 1mb a quamied pelsoh'Mil fi>;'us, or have a governmeriromdal/by teplevin) deil lor hall-con~nde to accrue on the unpaid,halance until paid in full, even after maturity and/or after us. You agree thaI we can peaceably come on 10 your property to do this. We may take any other e get.a lud,glJle~t a~ainst you for the' amounts dile','This will'apply even il the maturity occurs things found in Ihe, Vehicle, ~ut,will return thesethings to,You il you ask, If you want Ihese things ecauSl(.b[ acceler.aUon. If at any time interest as prOVided for in this p.",,,ph is not permitted back, you agree 10 as~us'in a'leller sent'to us by-certihed mail within 24 hours. If you do not I te t II h send us this letler~-you &ive upany claim-to_these things: You agree that we may use your license yaw, rn re~ sha a,cc[.ue aU e highest rate a~lowed ~y applicable_law beginning at thai time. plates in repossessing the Vehl~Je and ta~ing it to'a place fmstorage, .; . J,.i., :1 1:-', B. YOWJ,PRP.!4lSES~Boui"OUR SECURITY INTEREST: You will nol permit'anyone other than us c. VOLUNTARY I)ElIVERY~ We can as~ you 10 give_us't~e Vehicle at a reasonably convel;ient oobtalli~seturitl'ifllerestorotherrightsintheVehitte,YoUWil1payall fiUngfees necessary for place, You agree 10 give us the Vehicle if we ask. s to .obtalll ~nd maintain our se~urily interest in the Vehicle, You will assist us in having our d. DELAY IN ENFORCEMENT: We can delay enlnrcing our rights under this Contracl without ec~riO'ilp!ec~tdr~t~d orr the Cerlfficate of Tlfle to fhe Vehicre. You win not setl or give away the lasing any righls. ' ehlcle.lfsoflleone puts a lien on the Vehicle, you will pay the obligatio n and clear the Ilen. 14, SOME THINGS YOU SHOULD KNOW IF WE REPOSSESS THE VEH,ICLE: \l we repossess 9, ~OU~ PR.QMISES ABOUT THE VEHICLE: You will keep the Vehicle in good condition and wlthoul uSlllg a govemmenl otlicial (by replevlll): ep~lr~You wll~:pBY a~,1 taxes and charges 'on the Vehjcle._You will pay all costs 01 maintaining the a. NOTICE: We wiU send you a NotLce 01 Repossession to, your_ I~sl address we know about. ell/cw..You \1'I1} net a~use the Vehicle or permit an)'thing,1d:be d<me,to the Ve'hjclil wmc/: wi!! This Notice will tei! you haw to ouy bal:k /redeem) the Vehicle. You-wilJ );jer:.wve'the right to educe Its value, olher than for normal wear and use. You will not use Ihe Vehicle tor-illegal reinstate-the Contract This means you will hav,e,to pay the total balance on the Contract and urpos,es, or {~r. hire or lease. You will not move the Vehicle from your address shown on Ihe fronl other amouols dUll! You may not get the Vehjcle bac.k by paying d_elinquenl installments. This f this',ConlratUo a new permanent place of garaging without nOlifyfng us in advance:" " , Notice will tell you other information required by law.-~ '... '.,' ,~. j-', .-' rJ_, r -" O. YO~~ PRO~ISfS'ABO,1J1IHSURANCE; You win 'k~ep the Vehk;/a insured against fire, ih~1i b, REDEMPTION: You have the right to buy' back (redeem) the Vehicle within 'IS days of the and coIJ~on, tllltlt all sums due us are paid in lull. The iosurance coverage musl b,e satisfactory to mailing of tho Nolice and at any later time before we ,e!1 ,l)1e Vehicle. If you do not redeem, you us and pr6tect your.j~le.r,es~ ~n~ ,oll! intelests' at the tim!! !If any_ insurelr-loss. The insurance give up all claim to the Vehicle. i, ':. , must name Us as "loss-paYe"e'.'.on.the policy. The, i~surance must be written by an insurance c. SALE: If you don't redeem, we will selllhe Vehicle, The money loceived al saie will be used comp~'y" qU,i1lj\i6,d. to do business i,n ,penn. sylvania' ahd licensed to sell insurance in the stale to pay cosls and expenses you owe, and then 10 pay the amount you owe on the Contract. whe~,~ X!{l\C<<:~,p'e~lIla~~ntl~1waged. ;~he insurance. poli.cy must provide us with at feast 10 d. SURPlUS OR DEFlCfENCY: If lflere is money lefl. we wirl pay it to the Buyer. If Ihere is not days prillf ~ritt'e.rt\tlUce:-o(-anrc3n:cellabon or reducllon III coverage. On request, you shall enough money from the sale to pay whal you owe, Buyer and Co.Signer agree to pay what is still deliveOtbe. pbficy pnother evidence 'of insurance coverage to us. In the event of any loss 01 owed to us. ~amage-to the Ve~icle,'y~qIlIVfi.ll il~_II),e~iately notify,us in wriliog and file a pro,of oUoss.with ,t~e e. EXPENS,~S: You agreeJo ,pay tl,1.e cosIS,9.1 r,epossessing.-storing.,repairing, prepari~g lor msurer~ yte~}I IIle a prOM OJ lll$s on )'~u{ beMIf If }IOU lai! or .refusf! /0 tlo s~ We may emlor,58 sal~ ana senmg the Vehicle as may Of! aJ/owed by I<Iw. These costs will Dnly be due if; your na.me-tlnny check, draft or ot.h~r IIIstrumenl we receive III paymeol ot an insured loss or '" 1. Default e~ceeds !illMn {15l days at the time of repossession; return IIIsurance' premiums,-We may apply any insurance proceeds we receive to repair or 2. The amount of costs ale actti<iI"nedeSsaty.,)dd.reas6Mbl~; aild1Jl~U;:~Z.O:J replace \h~ ~ehicle ii, in- our- opinion, it is econ9mi~lIy feasible and you are not then in delault 3. We can prove the costs wer.e paid. under tftls\Contracl. Otherwise, we will appIYJt~~linsurance.proceed~ 10 reduce. the'unpaid balance due us. '---"----, -- ~- . ~ ' ',' ,',' -'., , 15, HEIRS 'AND PERSONAl' REPRESENTATIVES 801JND:I:Alter you, dealh,this'Conlract sh,aJ/ be 11. OUJ:RJllJ-ITS:lf~QU ilREAK YOUR' PROMISES ABOUT THE SECURITY INTEREST, VEHICLE enforceable against your heirs and personal.representatives of your estate;';' 1 'I, " OR INSURAt4CE: If you-Iailto keep your, promises 10 pay'tiling lees, taxes, l1ens or the costs 16. GOVERNING LAW: T~is,Cp~t!ac! is to be interpreted according:tothe:!aw o!Pennsylvania. necess.ary to....k~ep lh~ Vehicle in good condition and repajr,-we,may' ad)lancerany:mpney. you 17 SEVERABILITY OF PROVISION<:- If 10 an as ny ~ frth 9..... It' h' il b promised 10 pal,\ ~ll y' ou lail to keep ycur promises aboul'reqliir..... ln~Maric".-"',. m.' ~ "d9a"" " '~, ,,:),., r y re on/~ Rt'r .,0,.,. i iV~~ ~~c -;. ,a eco.me 1 "u "J Illegal,void or unellforceable, that partshali no! be a partofthi sContract. money to obtain insural\cl! to, cover loss or damage to the Vehicle .We have the choiceofwhetller or not~o.;advAn,c~an~ l)loney for these purposes. Such insurance will be limiled 10 an amount nol 18. ASSIGNMENIBY BUYER: Buyer shall,not ~ssignjhis Contract. . greatefthan'you-owIlJon Ihis Contract. THE INSURANCE WE PURCHASE MAY BE SIGNIfiCANTLY 19. THERE ARE NO WARRANTIES BY SElLER, EXPRESSED OR IMPLIED, INCLUDING THE 'MOIlE"H?J;NSIVE AND 'PROVIDE YOU'LESS COVERAGE;THAN INSURANCE YOU COULD WARl!ANlIES OF MERCHAJHABIUTY AND flTNESS FOR A PARTlCULAR'PURPOSE, UNLESS PURCHASEYOURSELF:,d~-~" , I , '-,,- ce. ''', ,. .1 ' WE HAVE GIVEN YOU A SEPARATEWRlnEIt WARRANTY,' , :;11', ", Buyer's Guide Window Sti,ker. If th"'Car~hich is'described onthe face 01 this Contract has a Buyer's Guide Window Sticker required by the federal Trade Cotn[l1iS;;lop Used Car'Trade Regulation Rule, the lollowing nolice applies: The rriformation'you;~ee on the window forf1!.f~r:t,~!~-y~,hj.cl~ i~, p~tt o.~ t~!~ ,~()l1tri!ct.:_:I,lJfpnJtati,Q,~.~o(!J:b~;,w_in-,~,9_V'( ~orm overrides any 111 ,-- 'J ,F 'contrary: prQy;sjons, in the contract of sale, , -' , ' - ,NOILCE-A~Y Hm.OERlOf TRJS'CONSUMERCREOIT' CONTRACT IS SUBJfCpO'All ClAIMS,ANO.'PffENSIS'WHICH-lHEOEBTOR couto ASSEkl AGA'tNST.rHfSEll~R OFGOODS OR SERVICES' OBTAINED PURSUANi"HER'Eio'U!l'wl'TiI'TilF'PROCEEDS'HERfOF:' RECOVERY H,fREUNOER BYTHE OfBTORSHAll'NOTEXCfED AMOUNTS PAID BYTHE DEBTOR HEREUNDER, ,'''''", "", , " ",', , We_ '/!!!I_,add any money ,\;Ie..advance 00 yo~~_beh.at!)o the ~,~!af!ce o,ll-xlJ}iC!l~jj!!l.~p~)mance Charges atlhe An~ual,Perc~nfage Rate oIII>>s-Clmliad,.You.-agree,ro rep.iy.lhe m6ney::ad~anced as we,alone may specify: (i) immedialely on demand, or Oil along wilh your monthlrp.aymeots.ll we choose 10 allow you to repay the money advanced a,long wllh your, monthly payments; we. can ~hoo.setheam!lunt.oftll2se i!'.ayments and how.longyou have to repay. If anyof,our rights staled 10 tillS paragraph IS not permitted by law, we StlU have the other rights mentioned. Our payments on your behalfwlli not CUle your failure to perform your promises in this Contract. 12. DEFAULT: In this paragraph "You" means the Buyer,Co.Signer and Co.Owoer, or any one of them}w w)ll bf!:in ;:n~fault" ot the Co.nt~_a~ if ~l?' ~ne pi more of the (ollow!ng.lhingf happeo:; a, --'(ou-dd nilt make any,paymenton orbeforfdtis'dlJe;'or; ,'" .,:.,. - .- : b. You do not keep any_promlse,-you made in this Conttact;'or.,.~..'~~ ._,_ " , _ i ;._ c. You do not keep any promise yoU made in anolher Contractl Note, Loan or Agreement with Seller or Assignee; or--,:, ",_"",. " , d. "You m,adHI})!,l\9tru~ statement in the credit applic~tjOn.l~r,this Cllnlrad; or '_ e: . You cOmmitted alii lorgery in connection wilh this CMlraCt;'w ' ''Or! f. You die, arc convicted ola crime Involving fraudilr'dishonesty"or are lound bya court with junsdictionlo do so to be incap3Cltated; or - '~'n.. --, g. YOIl file bankruptcy or insolvency proceedings, or anyo'ne Iiles b ankruptcyorinsolvency proc,eedlllgsagainstyou;,or j . ~.'YoutaketheVehicle'outsldelheUniledStati;s'oiCana'dawithoutollfwlitlenconSenl;or J L.; I:; You ,use the,Vehicle or<allo~ someone else t01usc'.it'inja.,way thatcauses'ltnot to b,e covered by your insurance; or i" , ~fi' I'! ~ " . : ,I ' j.-,-y_ou do sornething,that causes IheNehicle'to'be'subiect'to-conliscatiao-bygovernment aullwntl/:s.or k, lhe~Ve.hicle...(S Jo;l. st~~n',geslroye:dilJ ~~~ai~'lf,!:~~q~:~CoM"TiFai'~e'AAir, and, not iixed orlound'WllhlOa reasoAabletimel-or :" ',,', 1_.1.; 'j. ,L...l J<_ ,. l. Another cre.d,itor tries to la'ke the Vehicle or your money on de posit,with Assignee bytegal process. ,.. ,/"" NOTICE OF PROPOSED CREDIT INSURANCE Ttresigrwr(sj ofthisCantracfllerebytake(sJ oolite that Group Credit life losurance caverage ar Group Credit Accjdenf and Disability lnsurallce coverage wi/l be applicable to this Contract if,so , "mar~~:ol1,_lhe,!rC!"t ~1Jhis Contr~~t"j~pd..,e~Eb:,~~~,~~IYP~ 'oCpo,verage:~iILbe written,by th.e iosuraQce company nam~d"Th,i~ insu-ran,ce, su~ject Iq,ac~eP!,an~~' by, the insurer, covers ?nly t~e, p~rson . :,!", pe~~n~ sig.m~g, !,h~,request:!o~Is,~c~ 1I1S,l;lI~,n~,:T~ehl!l!lpuot,.o1 cha,~~, is in~J~~te~,!or,,~ch type.of Cre,9it Insl!rancll,.t,~, be.pur~hase~)he .t.~rrl! ~f.Il\S~rp,~ce will ~om!!len~vs of !he'~~te the , -illldebtednl!SS IS I,ncu.rfed ~nd,wll~expiTe!on,the ~llglllaMch~uled maJ!lnty datI!; onhe Illdebtedness..S,u.ble~,t to accep.lalt!<e.bY,me Ill~urer ~o.~ V!ll/lm,~O ~,~ys, !!lere wll!'M d!lliy,er~gt~~'hl !~~~r,~~ debtorlsHl certificate of insur~nce,more. fully ~escri~i"g the-.insurancedn, the event~.f.prepayme~tof \~e ind~bte~p!!ss,,~,t!ll(llld_~f i!ls~r~nfe tha~g~, ~i,I,I,p~}\W,~~,when ~~f "..' .,J',I: ,e,: _ _ ;, ., "il '''': )J~J NOTlCE:-SEE OlliER SIDE FOR IMPORTANT INFORMATION. ' ,,' I' !:' ,~, I, ,j" _ THE PROVISION BElOW IS NOT PART. OF THE,PENNSYlVANIA MOTOR VEHICLE INSTALLMENT SALE CONTRACT BETWEEN THE_BUYER ANO'SEltER. , ~ .. '\1 . r. . \'~'i ,;'1:'" '""{ ASSIGNMENT I To indliCe you,'tlle;I'Asslgrree" lae'n/ified'on the face'lJIthis Contrad or as fmlDws, ,- :) (Name) to purchase the_ within Contrac~ the SeUer hereby warrants and represents, and con'lioues to warrant and represenl that the sale has been made, in slrict c~nfolmily with all applicable federal, state '-all,d, loca!,l~ws a_n~\{egl!.~tion~'"i!lc!,~~jng. bufjlqpif!lile~,~o~ ~cle 2,~f,Ule,Penllsylvallia Uniform Commercial COde ,(l~i r?_ G:S;~,SS2~Qr ~~ ~e~J;"o~t;~t)e"to, t~!!: ~~ntra~~ ~~,d l~e'.Vehicle covered t,here~y .,I~ absolute:'fre~ '!l,f.all;hens, ./!f\cumbr~n;:es'_a"nd se~urity:inter~~, and ls'subiec~,only to Ihe righls 'of the Buyer as sel'forlh therein; the Contract is genuine, Ule signatures thereon are not 'forgeries, arose frorrt-the'sale of the' Vehicle lherein\descr ibed,and all'-p_arliestherelo1are'oflull age and had capacitytocontract;thedescriptionoftheVehicleande~lraequipmentis complete and cotrecl; thl! cash downpayment and/ortradll.in allowa'n'ce:were a ctuallyreceivedand no part thereof consisted of notes, post.dated checks, other cre dit advanced by us to Buyer or rebafes orsirrrilar Pilymenls from IJS 10 thl:l Buyer (howl:lver manutacturer rebates may constitute all or a part of the downpayment); all warranties and statements thereio are true~lhereiis owing thereolqh.e /lmount Financed pIllS interest'al the,Afllluat Percentage Rate of the Conlract set forth thercin; we are duly licensed under the Pennsylvania Motor Vehicle Sales Fina.nce 'A4' ana-have duly complied wiUl all requirements thereof with respecllo the transaction and with the tederal Truth.in-lending Act and with any other federal or state law, rule or regulalion applicable to this Contract; a motor vehicle litle certilicale showing a lien or encumbrance in (avor of Assignee has wen Of will be applied tor pramplly;:t/je r8/lisJIjHOl1:o! the Vehu;le has nut been suspended'and Ihe Sell~r knofls 01 no facts which .. may result in the. suspension of said registration under the Pennsylvania Motor Vehicle Financial ResponSibility Act; thl! Buyer(s) naml!d in Ihe wlt~in Cortrict is (are),persg!lally known to the Seller to be the-sarne identical persools) whose signafure(s) islare) aflixed tothls Contract; and Seller has no knowledge of facts Impairing the validity or v.alue of the Co,nlract.lf any suchwarranlies or '. reple~ntalioos sllould be bre~ched at-any lime, Seller shall.repurchase said Contract from Assignee, on demand, and will pay Iherefor, in cash, Ihe, amount-awing thereon, computed'as set forth below, ....and said r~medy shall beicumulalive and not'exchisi\ie, 'and shall~not affect any other right'or remedy that Assignee might'have at!law or in'\!9uJtYlagai~s.t-Seller,'!n 'lIe'_eveofthal Blly_e( fails or retuses to make ally payment due hereunder on the assertion~ either oral or written, that the Vehicle is defective, nol as represented 10 (he Buyer-by Seller;'or.tflat- Set1e(l'l!fu~ to haaor arJY warraqty or service agreement -of Seller or manUfacturer: Selliiragrees',that, on being adVised by. Assignee 01 such claim of Buyer, Seller will .repurch~se the Conl~act from Assignee and pay Assignee for same immediately io accordance, with the rel!urchase tenTis'set forth below, ,and Seller fu~her agrees 10 hold Assignee harmless from ,anY other claims of Buyer, including attomeys' fees,-costs and expenses incurred in delending agai!lst claims asserled by. Buyer and incl Uding,claimsfor refund of payments made by Buyer to Assignee.'lf th.e Seller contracts to purchase property insurance on beha1fof the Buyer, BrN:I that insurallCl'l is cancelled by the insuram:e c0lll113ny prior 10 ils scheduled eJpiralion dale, Seller wjJJ atlempt to place comparable coverage with another insurance company 00 behalf of the Buyer,lf Seller is unable to do sll,Sellerwill no!ify Buyer and pay to Buyer any additional costs incurred by lhe Buyer in obtaining replacement insurance lor the unexpir ed period 01 the original insurance policy. By delivering this Coolractto llle Assignee and accelltingpaymentforil,Seller autherizes the Assignee to compl ete or correct Ihe idl1ntification ot the Assignee in lhis Assignment t 0 reflecl the true AssIgnee who purchased Ihis Contract, and/or to sign Seller's name to this Assignment, without recourse, if the Assignment has been deliverell wilhout Sellerls signature.' In thli event Ihat Seller is relluired by this Assignment to repurchase Ihe Conlracl alld/or Vehicle, Seller shall pay to Assignee, in cash, the lull unpaid balance of Ole Conlractas of the date of _repurch~e, plus any then earned Finance Charge.and,any ami alLcosts and expenses paid or incurred by Assigoee in respect thereto, including reasonable atromeys' tees,.i(tcQnoectkln with claims by or against any Buyer, Owner or persons in possession ofthe Vehicle and/Or by or against Seller. Jl~!!' ,"- :'2 I:l~'" ,: ;-(_1 _, :_.. -For V~lue received, 'Seller hereby-sells, assigns, and-Iranslers unto,the Assignee, its successors and assigns, the within Contract, all'moneys'due and to,become due-~hereunder,_ alld all righi, tille ,":and lnter~t io and'to;lhe-Vehic1l~thereln' described; with lull PGwer'in:the Assignee in -its or our name to take such legal or olher aclion'which'w'e 'might'have taken, sav~lor'this'ASsignmenl. Unless ". Seller mllrks eitlter at tile endorsemenls IJelowi titled "WITH FUll RECOURSE!' or ,"WITH REPURCHASE:"$eller's ass.ignment slJal~ ro;cept-for tile provisions of!the~paragraph tilled '!Asslgnment,"- be wilhoutrl!course:-:II', ' " -, ' " 1 'J',," -", ,-, ., ,. ",0'" -) ,'- -P, . D WITH FULL RECOURSE-SeUer agrees that, in addition 10 the paragraph above UUed "Assignment," in the evenl'of default by Buyer in the lull payment on the due'dat~ thereof 01 any installment payable lmder the Contract or iolhe prompt performance of any olher obligation to be performed under the Contract by Buyer, Seller will, on demand by Assignee, forthWith repurchase the Contract lrom Assignee for a repurchase price, in cash,compuled as set forth a bove, D WITH REPURCHASE-Seller agrees thaI, in addition to the provisions of the paragraph above tilled "Assignment," in tfie event or any default by Buyer which shall entitle Assignee ro r~sess llie ,:,Veh.lele, Seller, w!l~,if !-h~Vehiclei is r~P9~ess~d, bY,'!,ssignee and de1i't~red l!I ~eller,_and wnho~t.re,gatd.t~ th~ tl)~""cq_~d!~o~:ol the Veh!~lel i,nm~ith,r~purc~_~s~ tpe:,Co,n,tract a,n~ ~e Vetllcle from 'AssigneeforarepLrlchaseprice,mcash,~computedassetforthabove:' ;~~. ,:i . ,- ~," 1'- .- ',',f, ,_, "".!J,.,;)~t,I'.?_!'),~:rl:,pr.~j.; ,",:~':' ."-': By Signing below, we agree to Ihe terms of the Assignment. ' , Seller By /' Date,:-/' -'''\l-':':\,;:'~r' . """-!:~~-""- if:\}~~ilitmJmi:,"'-'JtiH.g;j",\l1!~~i!iIDi:l\ill~;iHr",.-",;:"" ,~,",;,",: - _""",'-',_L,"D'";'J,,",,..I"f~~Iili!I~ ~?w,J."..~" ..m,~~~ " _ Ml 1~%~;;"",._,,,,*iMa . . 7J (.) "6</. ~ ~ t* ~ ~ () (') c.::J ~ () . ' 8 s= 0 -r --- ~ 8 -0':' (:) 8 ,", C> t11("': .,4 I Z-C': 10 z )v -t ~ en r '"' r::: '\1 ~f3. -~ --- .. 0- ,,' c.) (,,'); J ~ ",.j r. -< <:;:0 =< - "' ."".n~J,,,,,, ~,' I. "' j~' SHERIFF'S RETURN - NOT FOUND CASE.NO: 2000-06986 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND HARRIS SAVINGS BANK VS MARCHESE ANTHONY JR R. Thomas Kline ,Sheriff or Deputy Sheritt, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named detendant, DEFENDANT MARCHESE ANTHONY JR but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT & NOTICE , NOT FOUND , as to the within named DEFENDANT , MARCHESE ANTHONY JR DEFT. NO LONGER RESIDES AT ADDRESS STATED, LEFT NO FORWARDING, PAPER, EXPIRED ON 11/10/00. Sheriff's Costs: Docketing service Not Fo~nd Return surcharge 18.00 6.20 5.00 10.00 .00 39.20 S~ R. Thomas Kline Sheriff of Cumberland County KEEFER, WOOD, ALLEN & RAHAL 11/22/2000 Sworn and subscribed to before me '[I/ 30 - day of ~ this Jf>v--Q A.D. Ql(' f2 ~.iP;' Pr t onotary , "r;2h"S -" -=~ ~ ~~" ~L :" HARRIS SAVINGS BANK 235 North Second Street Harrisburg, PA 17105 Plaintiff INTHECOURTOFCOMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW v. NO. 00 -t.o9PI:, CLJ ~~ ANTHONY MARCHESE, JR. Defendant NOTICE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or 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 Liberty Avenue Carlisle, Pennsylvania 17013 (800) 990-9108 Date: October ~,2000 KEEFER WOOD ALLEN & RAHAL, LLP ~ ' \ By:, Euge . Pepinsky, Jr. Attorney I.D. #23702 210 Walnut Street P.O. Box 11963 Harrisburg, PA 17108-1963 (717) 255-8051 TRUE copy FROM RECORD In TestimOny whl'lrMf. I here unto set my hlll'\d aftd full sooi ul said Court at Carlisle. Pa. day of Attorneys for Plaintiff .,;\~" .~,~........" . "I I' J""_,, HARRIS SAVINGS BANK 235 North Second Street Harrisburg, PA 17105 Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW NO. v. ANTHONY MARCHESE, JR. Defendant COMPLAINT 1. Plaintiff is Harris Savings Bank, a Pennsylvania state-chartered savings bank, with its principal office at 235 N. Second Street, P.O. Box 1711, Harrisburg, Pennsylvania 17105. 2. Defendant Anthony Marchese, Jr., is an adult individual living and residing at 906 Scottish Court, Mechanicsburg, Pennsylavnia 17055. 4. Defendant, as buyer, entered into a Pennsylvania Motor Vehicle Installment Sale Contract with Sutliff Chevrolet, as seller, respecting a 1992 Chevrolet Van, VIN # 1GBEG25K6N7129547. A true and correct copy ofthe said Pennsylvania Motor Vehicle Installment Sale Contract is attached hereto, made a part hereof and marked Exhibit A. ~~,~~ - ~~" - ,i I I,,,,,,~ 5. The Contract was subsequently assigned to Plaintiff. 6. Defendant defaulted in his obligations under the Contract, and the Vehicle was repossessed. 7. On May 9,2000, Plaintiff sold the Vehicle, leaving a deficiency balance owing in the amount of $4,880.57. 8. Despite Plaintiff's repeated demands, Defendants have failed and refused and continue to fail and refuse to pay the current balance owed to Plaintiff under the Contract. WHEREFORE, Plaintiff demands judgment against Defendants in the sum of $4,880.57, together with interest, attorneys' fees and costs of suit. KEEFER WOOD ALLEN & RAHAL. LLP. Date: October .&, 2000 By: C;--' {,j. ~~inSkY, Jr. Attorney 1.0. No. 23,702 210 Walnut Street P.O. Box 11963 Harrisburg, PA 17108-1963 (717) 255-8051 Attorneys for Plaintiff -2- 1I1?tr~~yi - " - . ~ J, VFRIFI~ATln", The undersigned 1. (S)He is LiS:.o... A. tVlu~h . hereby verifies and states that: A V {J of Harris Savings Bank. Plaintiff herein; 2. (S)He Is authoriZed 10 moake this Verl1lcatlol'l on ib behalf; 3. The facts set forth In the foregoing Complaint are true and correQt to the best of (her)hls knowledge. InformaUon and belief; al'\d 4. (S)He Is aware that false statements herein are made subject to the penalties of 18 Pa. e.s. 54904. relating to unswom falslflC8tion to authorllles. j&4~!J{~ Dated: /D/;'O . ,2000 ",~", -,-- - ." ~ 1'-""':> \\...J-.J\ v~;) iNUAl FINANCE Amount Financed Total of Payments Total Sale Price ERCfNTAGE RATE CHARGE The amount of credit provided The amount you will'have paid afh.tryou The tolal coslof your purchase on e cost of yourcredil as. The dollaramounl lhe 10 you oron yourbehal'. have made all scheduled paymenls. credit,includingyourdownpaymenl leaflyrale. credif wHl cost you. 0111,000.00 )2.~0 $3,667.77 ' , % " ., $ 12,550.~5 $ 16,218.72 117,218.72 . pumentSchedule'wiU be: ' '..., " " ('I' . '.01 Paymenls Amount 01 Pa,ments When Paymenls Are Due SecurilJ: You are giving a security inlerest in the motor vehicle being 'U 1 u,.UJ Monthtv,berinnl ' u' ~"" purchased. $ "'4 Prepayment: If you pay 011 early, you will nol have 10 pay a penallY. te feu: $ J.w I Chllrge; If a payment is lale, you will be charged 2% 01 the portion of the paymenl which is lale for each month, or part 01 a month greater than 10 days, thai il remains unpaid. " below and 1l"~ O\her ConU1lc\ dl>Cumen\S for any addil.\onal infOTmation about nonpaymen~ detauU, any required repayment in lun belore the scheduled date and prepayment ndsandpenallles. emeanseslimale SECURll'I AGREE.EDl: lo-secure the payment 01 an sums due and the perlormance 01 all required obligatillns under this Contrac!, you give a security inlerestin IheVehicle, in all parts (calted-accessions1 aUachedlo lheVehicle at any lalertime, and in any proceeds oflhe Vehicle, including insurance proceeds. 1'he Assignee may sel-olf any amounls due and unpaid under this Contract againsl any of your money on deposit with Assignee. This Includes any moner. which is now or may in Ihe Mure be deposiled wilh A55i~ee by you. Assignee may do Ihis wJlhoul any prior notice to you. ADDITIONAL TERMS AND CONDITIONS: THIS CONmACT CONTINUES ON THE REVERSE SIDE. 'IOU ARE OBUGtlTE\l TO All THE TERMS OF THE C{)tlTRf\CT WHICH APPEAR {)N THE flIDHT AND REVERSE SIDES. . NOTICE TO BUYER-pO NOT SIGN THIS CONTRACT IN BLANK. YOU ARE ENTITLED TO AN EXACT COPY OF THE CONTRACT YOU SIGN. KEEP IT TO PROTECTYOUR lEG" Al RIGHTS. . ", ,,' ,.' \., BU''''''' ~~ (;:-,a(23/:.~~8 :Ontra~UTLIFF cneVROLeT CO. - SUTLIFF cneVROLeT P.O. DOX 1307 lER. Name Address nAr-r-ISDURG, PA 17105 Zip Code A)NTIIONY MARCneSe Jr. "U8 MARKeT ST 'ER(S. Name(s). Address(esl New CUMoer-LAND, PA 17070 ZipCode(sJ is Me than ooe Bu~er, tath ptllmists, sepantely 1lnd tllgelher, to pay all sums due us and to perloTm all ~greemen\5 in this ContIact. IN: ,'"d'di~6ClmVROLeT S-T DLAZER, (;.000.00 _$ N/A I 000 00 ,wingvetlitle: $ :=$' . . Yeal and Make Stlies , Gr1l5'" AIlImance , Still Gvling Net Tnde.ln lnce is sUI! owing on the vehicle you have traded in, the Seller will payoff this amount on your behalf. You warranl and represent lo'~s i tride-in is Iree lrom lien, claim, elltumblioce Qr security interest, e),cep\ as shQ'tm aoo,e as the amount .StiII Owing.- RTY INSURANCE: You may choose the person lhrough whom insurance is obtained against loss or damage to the Vehicle and against alisillg out 01 use 01' ownersNp 01 \he Velliclt.ln trnstootl'lc\, 100 are promising \1) insute the Vehicle and \l.eel> it insured. r INSURANCE IS NOT REQUIRED: Credit Life Insurance and Credit OisabililY Insurance are nol required to oblain credil, and will \!(Qvided unless you sign below and agtee to pay the additional cost(sl. Please read the NOTICE Of PROPOSED CREotT INSURANCE rever~e side. Your insurance cerlificate or policy will tell you the MAXIMUM amount or insurance available. All insurance purcbased lor the lerm of Ihe credit. ing, you2y!~t_S1rle Credillile Insurance, W3~ is your osl5$ , _ ~',a~e?;--Years ~ ~...'~l"" reofBuyert~jnsuredlorSingleCreditllfelnsurance i{lg,YollOOl.l\seltctJml\\. N/A d What are ifelnsllrance,whichcosls$ your ages? By signing, you selecl Single Ct91~~i~i' & ~~l is your Heanhlnsurance,whichcosl5$ - .~age?_ Years ....., ~ """'--~ SignatureofBuyerlobe~'OlSingleCrediIAcddenl Heallhlnsurance Bysiil\ilw.'iOllOO\l\sdetlJoimCredil. RIA 'Mlatare Percentage Accident&Heallhlnsurance,whicl1costss~ your ages? lobe insured I. _% res otbo~.. Buyers 10 ~e in~ured for Joinl ~re~i,I_.life ~nsurarce -" .. .-, . 2, Si&/1alures of bolh Buyers 10 be irt5ured for Joint Credil Accidenl & Heallh Insurance .. ~% CONSUMens LIFe INSURANce .E: You have agreed 10 purchase, under Ihe terms of Ihis Contrac!, the following molor vehicle and its extra equipment, which is called Ihe !"inlhisContracl. ~ Year and Make ~ ~2' CneVROLm~.vAN I.". , No.Cyt 8' OCDeC25K6N71 ~,~547., , Truck Ton Capacity Serial Number BodvSlvle VAN ':!h-:l.,'. ." i;, AI. P.S. AM-fMSlereo ~',5.Spd. Olher kC. P.W. AM.fMTape' . Vinyl Top EE: W/J may assign Ihls Contract, and Securily Agreemenllo a sales Iinance company which is Ihe .Assignee: If Ihe Assignee assigns Ihe lo a sllbseQuel\\ ass\gnee, the lelm also Jelels to such subsequent assignte.Af\e I \heassi&llment, all ligh\s and benefl\sfdtheSeReT in\hjs and irl Ihe SecurilyAgreemeflt shall belollgloand be enforceable by the Assignee. The A$Signee will nolily you when and il Seller makes an - ,. HARRIS SAVINGS BANK, 235 North Second Street, Harrisburg, Pennsylvania 17105 ER: ArlY person signing ,the Co.Signers.Agreement below promises separately and together with all eo.Signerlsl and BuyerlsJ,lo _pay aUsu!lls 10 perfIJrm all ag(ee'!1e,n~ i~ t~is Conlra~l Co;~i~~r W\11 nol be,~n OWl!~r of the Vehicle. .. ER:.AnY person signing the Co.Owner's Security Agreement betow gives us a securily inleIest in The Vehicle and agrees separately and Ioge!her .Owner(sl and Buyer(sJ, to perform all agreements in the Security Agreement and all olher paris 01 Ihis Cor.lract e~ceptlhe .Promise 10 Pay- Thetermsshowfl in Ihe bOlles above are partollhisConlracl. 10 pAY: You agree to pay us tbeTotal Sale Price lor IbeVehicle by malling lhe Total ment and paying us Ihe Amounl Financed piUS interes!. You promise 10 make payments aoce wilh the Payment Schedule. You jlromise tQ make. paymenls 01\ or before the same ch month as Ihe first payment due date. You agree 10 pay all other amounls which may ueun~erthel(lrmsorthlsCofllracl. You agree 10 pay Ihe Seller or Assignee cosls 01 suil. agreelopayreasonableaUorneys' fees if Seiter or Assignee hires an al Iorney10 colJecl due under Ihis Conlrac! or 10 prolecl or get possession oflhe Vehicle . You agree 10 make at 1M p!aceor 10 send paymen\s\0 tbe address wrncl\tl\e Assiil\lle 1\\\l~lecel\l.ly inthevrriltenAoliceloyou, g belol'i, we aglee \tI sell the Vehicle \?,ou under the \cum oj this Contract I ;,1-: '" lJj23/llJ!}8 tlU,,,, Dale ,.,'" 1..' IF YOU DO NOT MEET YOUR CONTRACT OBLIGATIONS, YOU MAY l{)SE THE MOTOR VEHICLE AND PROPERTY THAT YOU BOUGHT WITH THIS CONTRACT. AND/OR MONEY ON DEPOSIT WITH THE ASSIGNEE This Contract is between Seller and Buyer.AfI "d~uresllavebeenmadebySetler,Seller ~'inlendsloassignlhisConlractrolheAssjgnee. Itemization of Amount Financed Cash Price 1 10, ~~5 .00 Cash Downpayment N/A $ Net Trade-In $ 1.000.00 TolalOownpaymcnt $ 1.000.00 Unpaid Cash Price Balance $ ~,~~5.00 ~ To Credit Insurance CQlllpany 1 737.~5 ~ ~ To Public Ollicials loc ]i license, Tags and Regislralion e ~ $ 28.50 E i Uenfee -. 1 5.00 " 0 ~ , $ 664.50 "- ~ 0 $ "-l,080.00' ,j 5 Hole y~~' " $ " 40.00 ~ To ~ $ N/A Amount Financed $ 12,550.~5 FinanceCharge ",' .,.; -I ' , ," $ ,..", ,3.667;77, , Totalof,payments~imeBalancel " $'" 1 ,218.72 Paymenl Sch.dul.-You agree 10 pay to us lhe Amllunl Financed plus inlerest in 47 . paymenlsof$ 337 .89 eaCh: ~n.t8~I,n~~ pay~en.( 01 $ . 3, ,~ ,\, \ . Thlllirsl r-w""'WlUb'd"ngV. 07 " l' .,and lhen payments wiJIbeduelln thaI same day of each monlh following. /' "'"//. .,,," (SEALl:, ,.,.t." Date N R: YOU SHOULD READ THE NOTICE TO CO-SIGNER, WHlen nAS BEEN GIVEN TO YOU ON ,A SEPARATE DOCUMENT, BEFORE TIlE CO~SIGNER'S AGREEMENT,. 'i)' ". '. , " . NER'S AGREEMENT: You. tlte person (or persons) signing below as "Co-Signer," promue to pay to us all sums due 011 this Contract and to perform all Ills in this Contract. You intend to be legally bound by all the terms oftbis Contract, separately and together, with the Buyer. You arc maldnB this promise to S to make this Contract witli the Buyer, even thougb we will use the proceeds only for tbe Buyer's benefit. You agree to pay even though we may not have y P(Wr demand {or payme.nt on tne Buyer or cx.e.rcised oUf security intere.sL You also acknowtedge receiving a completed copy of Ibis Contract. (SEAL) er'sSignature Address Date (SEAL) ."y" er'sSlgnature Address , ,n: ," Date_ii.y. ER'S SECURITY AGREEMEN1': -You, the person signing below as "Co-Owner," together with the Buyer or ntherwise beiDg aU of the Owners of the Vehicle, Seeu.;ty Interest in tbe Vehicle identified above, You agree to be bound by tbe terms of lhe Security ABreement and all other paris of this Contract eJlccpt tbe To Pay" sec\ion. You are giving us lhe security inlerest to induce WI to make Uus Contract. with tbe Buyer, and to S<<;U~ lbe pa.yment by tbe Buyer of all &Ums due ntra~t. You will not be responsible for any deficienc)' wbich migbt be due after repossession and sale of the Vebicle. . SEAL) er's Signature Address Date ,CO.SIGNER AND CO-OWNER, AS APPLICABLE, ACKNOWLEDGE RECEIPT OFA COMPLETED COPY OF THIS CONTRACT TIME OF SIGNING. ",' BUYER CO.~\{',"fR (',{\.t;\r.Nf"Qflll('.(\.IlWWfR ilJt1 ,~. ~,I",la.itooll/Jjjj....h,u,,"" ,_""""&..b......,I,1 .~" Chalges.~tlh~-A~'~~al.'P~rce~;~H~ Rat~ ~i"IhJs Conlra~l. You.agree 10 lepay' lhe money advauced dS W~ alune may speclly: (I) nllmedialely on demand, or (ii) along wilh your monthly payments. II we choos~ 10 allow you lo lepay the money advanced along wilh yuur monthly' payments, Wll can choose the amount of Ihe~'l! paymenls anll how 10fl& you have to repay, II any 01 OUl rights slated in this paragraph is not pC1I11IUed by law, we still have the other righls mentioned, Our payments un YOUI b~halfwllI nut cure your lailure 10 perlorm your promises in thisConllacl IZ. DEfAULT: In this paragraph "Yuu" means the Buyer, Co.Sfgner andCo.Owner,ur any one 01 lhem. Yp~ wJ11 be.in ~1lplaun" 01 the CoJ1l{act if ~I~ ~ne or more 01 the lolfow\"g,things happen:. a,'~Youdlln6ImakeanypaymentonOfbefo/e'il1s'due"or: ,',' _. . - J ' b. You d01lil1 keep any 'promise rou made in thisConl;act;:OI. '~"'-. ,... i', C. VOlI d.o Mllleep any p10mise you made in .afWlhet Corllli{:!, Note, Loan /11 Agteemellt with SellerorAsslgrwe;or:, ",' ' II: :..You m~e,~w_~~tr~e slalef!1enl ill the. cred!' applic~~ion:f~r~lhis Contrae!; ur " 11. YoucollTlmUeuanylorgerymconneclionwllhthisContract;or '..,J L Youdie, arc convicted of a crime involving Iraudilr'dishoncstr"Of arl! lound lIy ~ courl With JurISdiction 10 do solo be incapacitated; 01 '~,-, ;. g, You llle lIankruptcy or insulvency proceedings, 1Ir anyone riles bankruptc~ or insolvenc~ pruceedmgs against you; or h,'You take theVehicle'ou'lsldethe United States orCana'dawi thaulourwrillellcal\selll'or ' i i.' Yal( use the' Vehicle Of allliw sorneone etse ta,use itinla way IhatcaltSesi-l.llot'ro b~ cavered by YOuliflsurance; or ' """" , , j. 'Yolldosa{flethinglhatcausestheVehicletobnubjecltoconliscalionbrgovernment authorities' or k, Thl!~V~hicle,is!%t, sI9~en~gestroyer-Or ~p~ai~~~_e~49.1:ecoi\o'lTiFaj'feJW!, and nal!iled arfoundwllhmareaSOflablelnne;.or .. ,.IL.,TJ .! L,'!. )\_ - I. Anulhm C1Cditor Iries 10 lake Ihe Vehicle or your rnoner on dellosll with Assignee by legal prucess. ' /'- NOTICE OF PROPOSED CREDIT INSURANCE fhesigner(s} of this Contracl herebr take(s) notice that Group Credit Ule ll1surancecovelage or Group Credit Accidenl and Disability Insurance coverage will be applicable lu this Contract if su marked on lhe fro"' 01 ttJis Contract, a,nd each such type of coverage 'wil( be written br {he illiUlance compallY named. This insurance, subject ta acceptance by lhe insurer, ~lJVilfS only 11Ie perslIrl Dr persons Signing \lU!' request lor,s.uch, ins.ur~n~e.)he,ani~unl. al charge is illdicale~,lor, each type of Cre~itlnsurance .to be purchased. Jlle term of ins~r.ance will commen~e. as'olllle d~te tile 11Id!=.~tedness is inculled and will elpire an the original.scheduled maJurity dale olllle indebledness. Subject to accel!taltce by'the insurer and wilhjn)O d,~ys:there will be delivered to lhe'insured debror(s) a Cllrtificate 01 insurance more lully describi!le the insurance., In the eventol prepaYhlent 01 ~he indebt~~ess; 4,re!imd ~f insuran,ee charges l1i1rb~\,!"ad,e,whell ~ue.' '.. 'J "" ",' , NOnCE: SEE OTHER SlOE FOR IMPORTANT INFORMATION. THE PROVISION BELOW IS NOT PART OF THE PENNSYlVANIA MOTOR VEHICLE INSTALLMENT SALE CONTRACT BETWEEN THE BUYERAND'SEllER. ,h" ASSIGNMENT To illduce you,the,l'Assignee" identified on the face of this COlltract or as loUows,_.~_ __ (Name) o purchase the within Contract, the SeUer hereby warraflls and lepresents, and continues 10 warrant and represellt Ihat: !he sale Ira. lrew made ill slricl contO/mify wilh an al1f1!H:abk ledl!raJ, slale ld local laws and,regl!laUons, iflcludjng, but,nq! limited to~ ArUcle 2 01 the PennsylvaoJa Uniform Commercial Code (lJ Pa., C,S,M~2101 et seq); _OU,r IiUe to t~e Conlraet and Ih\! Veflicle co~ered lereby is a~olute;;lree,"tl' all.liens',iencumbian~s and security interesls, and is subjet! allly to the rights of Ule Buyer as set forth therein; the CUntract is' gillluille; lhe signatures theTeoll are not Irgeries, aroSe Irom.the sale of the Vehicle Iherein'described, all d all partieslhereto'are 01 lull age and had capacilY to conlract the description of tile Vehicleahd edra equipmenl is complete and 7rr<<:I; Ihe c~sh dawnpaymenl and/or lrade.jn aHo1Rrice'wete actually received amJ no jnrllhe1eof consis.terl of noles, posl.daled cllecks. otllel credit advanced by us 10 Buyer 01 rebates or similar ayme~ls from liS to the Buyer!however manufaclurer rebales may conslitute all or a part ufthe downpaymentl; all wauanties and slatements therein are Irue;,therejis owillg thereo~.tll,Il,Amounl Inanced' pluS. interest at the Annual Percentage Rate of the Contract set forth therein; we ale duly licensed IIndelthe Penllsylvania Molor Vehicle Sales Fillance 'Act and'have duly complied with all ~qujrements thereol with respect to the lransactioll and with the lederal Truth.il\.lellding Act and wilh any olher federal Of state law, rule or regulation applicable 10 this Contract; a molor vehicle tille erlilicate- ~hC)wing 'a lien ur encumbrance inlavllr 01 Assignee lias been or will be applied lor prampllr;.the regist{a!i.al! .01 the Vehicle has not been suspen~ed'and the Sell~r knows of no laels whicll lay resu~ III the suspension of said legistration under Ihe Pennsylvania Molol Vehicle-financIal ResponSibility Act; tile IMer(sJ /lamed ill (Ire MI'rin Cor.tr{cl is (areJ,pI!rsorJif1ly knowrt ID 1M Selle1 to e the same identical person(s) whose signaturels) is tare) affiked to Ibis Contract; and Seller has no knowledge 01 facts impairing the validity or value of the Cunlracl. If any such warranties or epresentatiolls should be breaclled al any lime, Sell~r shall repu/.chase said Contractlrom AsSignee, on demand, and will pay therelor, in cash,lhe amount owing thereoll, computed'as setfollh bel!,lw, nd said remM~ shall be'cumulative and not exCllIsive, and shall not allecl any otller right or remedy that Assignee mlghl have allaw 01 in"equity'against Selfer,'!n the event that Buyer lails Or reluses I mal<e any payment due hereundet ()f/ the asserlion" either Drat 01 wtlllen, IIIaI the Vehidf is deleelive., nol..s Jepresented 10 the Buyer by Seller,or thai Seller' refuses to honor any warranty or erviee agreement of Seller or manulacturer; Seller,agrees thai, on being advised by Assignee 01 such claim uf Buyer, Seller will repurchase Ihe Conlract from Assignee and pay Assignee lor same nmediately in accordance wiltl the repurchase lerms'set forth below, and Seller further agrees to hold Assignee harmless from any other claims 01 Buyer, including attorneys' fees, costs and expenses lcurred in ddending against claims asserted by Buyei andincludi ngclaims for relund 01 payments made by Buyer to Assignee:rr the SeHer COlltractsto purchase property insu ranceonbehallolthe luyer, and that insurance is cancelled by the illsural1ce compallY plior to ils scheduled expiration dale, Seller will atlemptlo place c,omparable coverage with allother insurance company on behaU 01 heBoyer,lfSeUerisunabletodoso,SellerwillnolilyBuyeralldpaytoBuyer any additional cosls incurred bylhe Buyer in olllaimngrepl ace-menfinsurancelattlleunexpiredperiodullheO/igmal ~surancepolicy,BrdeliveriflgthisContraettolheAssigneeandacceplingpaymenl lor il, Seller aulhorize$ the Assignee to complete 0 r correcltlle identilication of the Assignee in this Assignment 10 enect the trlJe Assignee who purchased Ihis Contract, and/or 10 sign Seller's name to this Ass;gnmellt, without recourse, Hlhe Assignment has been delivered without Selle(.s signature.' In the e~ent that Seller is required by this Assignment 10 repurchase the Contract and/orVehJcle, Seller shall pay 10 Assignee, in cash,lhe lull unpaid balance of the Contract as ullhe date of epurcllase, plus any Ihen eamed Finance Chitge and any and all cosfs ami elpenses paid Of im:lI1red by Assigllfe in n:specl Iberclo, including reasonable attorneys' fees..in connecUon with claims Iyor against any Buyer, Owner or persons in possession 01 tile Vehicle and/or by or again stSeller. ,,1:111,' .~ ':1"" ,., . ,For value reteived,-Seller herebr sells, assigns and lranslers unto the Assignee, ils successors and assigns, the wilhill Contracl,all mone ys due and to-become duetheleunder,arnl all righl,title lod interest in and to the Vehicle therein described, wilh lull power in' the Assignee In ils or our lIame 10. lake such legal or other action which vie 'might have taken save'lor Ibis 'Assignment. Unless iellel marks either olllle elldorsemellts below; titled "WITH FUll RECOURSE" or -''WITH REPURCHASE,"'Seller's assignment shall, except far the provisions ol'lhe'paragrapb tilled "Assignment:' be vilhout retOurse. ." ' ' " . .~ J WITH FUll RECOURSE-Seller agrees thaI. in addition 10 the paragraph abave titled "Ass;gnment," in the event 01 delaull by Buyer in the full paymellt Oil the due date thereof of any inslallmont ~ayable ulIGer the Contract or in Ihe prompt performance 01 any olher obligaUon to be performed under the Contract br Buyer, Seller will, 011 demand by Assignee, forlllwilh repurchase the Contract Irom Assignee lor a lepurchase price, in cash,compuled as sellofth a bove, -' o WUH REPURCHASE-Seller agrees tlIat, ill addition to the ptOl/isions of the paragraph abowt tilled "As.sign.mnl," in lba evenl 01 aJlY delaull by Buyer which shall entitle Assignee 10. repo~ess the ~ehicle, Seller wiD, ,i1 ~he.,Vehicle is repossessed, bY,l\ssignee and deli~~red l\l Seller, and witho~t regard,to the th~n,cond,lioll ~, the Vellicle.. .I,frth~ith r~purc~~s~ l,he,'\ContJ:act an~ !he Vehicle 110m ~signeelorarepurchaSllprice,incash,"computedassellorlhabove. J, ," '." , " ",L ),.1._,1 \'\'",?'..nIH.:, ';", ." , ..' I ~" - , By s;gning below, we agree to the lerms of the Assignmenl. . Seller By // " Oaie: J ""~A'iI:,,".("'.c ,";V .....--.--4 1,r'U".J iii!} ~ ;:--;;;J L.: - ,., I'l1"llIl<l!l"~ .~~'"_ ",^ _ . "" . .' -~-- '-, -'-",~, '-~<'~. ~-~- 1ft; ~ ~ ~ ~ ? ,.iji'Ql]!'fm~;l!,"iii~"J!#'!lH~V;~""''''';''';' [~~!Iffi',~_ m~~, ~_ ,~_' '1f_",,..e,,,".!Il!~~