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Home My WebLink About01-04956.R IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff vs. SUZANNE E. FLATHMANN, Defendant CIVIL ACTION -LAW NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice is served, by entering a written appeazance, personally or by attorney, and filing in writing with the Courl your defenses or objections to the claims set forth against you. You aze warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint, or document, or for any other claim or relief requested by the Plaintiff You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT 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. NOTICIA Le han demandado a used en la corte. Si used quiere defenderse de estas demandas expuestas en las paginas siguientes, used tiene viente (20) dias de plazo al partir de la fecha de lademanda y la notificacion. Used debe presentaz una apaziencia escrita o en persona o por abogado y azchivaz en la corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisado que si used no se defienda, la corte tomaza medidas y puede entrar una Orden contra used sin previo aviso o notificacion y por cualquier queja o alivio que es pedido en la peticion de demands. Used puede perder dinero o sus propiedades o otros derechos importantes pars used. LLEVE ESTA DEMANDA A UN ABODAGO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASSISTENCIA LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (717) 249-3166 Document #: 211505.1 ,~ IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff vs. SUZANNE E. FLATHMANN, Defendant COMPLAINT NO. ~~- ~1~~~ CIVIL ACTION -LAW AND NOW, comes Plaintiff, Pennsylvania State Employees Credit Union, by and through its attorneys, Steven C. Courtney, Esquire and Metzger, Wickersham, Knauss & Erb, P.C., and states the following cause of action and in support thereof, avers as follows: Plaintiff, Pennsylvania State Employees Credit Union, is a financial institution qualified to conduct business in the Commonwealth of Pennsylvania with offices and/or a place of business situate at 1 Credit Union Place, Harrisburg, Dauphin County, Pennsylvania. 2. Defendant, Suzanne E. Flathmann, is an adult individual with a last known address of 1200 Kings Circle, Mechanicsburg, Pennsylvania 17055. 3. Defendant is, and at all relevant times material hereto was, the co-applicant for a Personal Service Loan. 4. On or about June 19, 2000, Defendant applied to Plaintiff for a Personal Service Loan. A true and correct copy of the loan application is attached hereto, incorporated herein and marked as Exhibit "A". Document #: 11 /SOS.I 5. Pursuant to the loan application mazked as Exhibit "A", Defendant agreed to the terms and conditions of the extension of credit as set forth in the Loanliner Credit and Security Agreement (hereinafter referred to as "Contract"). A true and correct copy of the Loanliner Credit and Security Agreement is attached hereto, incorporated herein and mazked as Exhibit "B". 6. The contract marked as Exhibit "B" contains the terms and condifions of the extension of credit agreed to by Defendant. 7. Various charges and/or purchases were made by Defendant on the Personal Service Loan with Plaintiff. 8. Defendant has not made a payment on account of the Personal Service Loan with Plaintiff since October 12, 2000. A true and correct copy of a partial statement of account for the Personal Service Loan consisting of one (1) page, is attached hereto, incorporated herein and collectively marked as Exhibit "C". 9. Plaintiff has maintained a statement of account, marked as Exhibit "C", keeping an accurate and running amount of debits and credits made on Defendant's account. 10. Plaintiff has submitted to Defendant a copy of the statement of account accurately showing all debits and credits for transactions with Defendant. 11. Defendant has not objected to any of the monthly statements of account submitted by Plaintiff to Defendant. 12. Despite Plaintiff's reasonable and repeated demands for payment, Defendant has failed, refused and continues to refuse to pay all sums due and owing on Defendant's loan account balance, all to the damage of Plaintiff: Document #: 211505.7 13. As of July 17, 2001, the balance due, owing and unpaid on Defendant's Personal Service Loan account with Plaintiff is the sum of Twenty Thousand Two Hundred Four and 72/100 Dollars ($20,204.72). 14. Pursuant to the terms and conditions of the extension of credit contained on the loan application, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest chazge on the principal loan balance. 15. Pursuant to the terms and conditions of the extension of credit, Defendant agreed to pay reasonable attorney's fees and all court and collection costs. 16. Plaintiff has retained the services of the law firm of Metzger, Wickersham, Knauss & Erb, P.C. in the collection of the amounts due and owing by Defendant. 17. As of the filing of this Complaint, Plaintiff has incurred reasonable attorney's fees from the law office of Metzger, Wickersham, Knauss & Erb, P.C. in the collection of the amounts due from Defendant incident to the within action, and Plaintiff shall continue to incur such attorney's fees throughout the conclusion of the proceedings. 18. The amount of attorney's fees incurred in this matter is the sum of Four Thousand Forty and 94/100 Dollars ($4,040.94). 19. Any and all conditions precedent to the bringing of this action have been performed by Plaintiff. 20. The amount in controversy is within the jurisdictional amount requiring compulsory azbitration. Document #: 211505.1 WHEREFORE, Plaintff, Pennsylvania State Employees Credit Union, respectfully requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant, Suzanne E. Flathmann, in the amount of Twenty Thousand Two Hundred Four and 72/100 Dollars ($20,204.72), plus interest, reasonable attorney's fees in the amount of Four Thousand Forty and 94/100 Dollars ($4,040.94), the costs of this action, and such other relief as the Court deems just and proper. Respectfully submitted, METZGER, WICKERS~kAM, KNAUSS & ERB, P.C. 3211 N. ront Street Box 5300 Harrisburg, PA 17110 (717) 238-8187 I.D. # 74669 `, `'' Attorney for Plaintiff Dated: i111~P 2001 Document #: 2/1505.1 VERIFICATION I, Bonnie I.. Berkoski, hereby certify that the following is correct: The facts set forth in the foregoing Complaint are based upon information which I have famished to counsel, as well as upon information which has been gathered by counsel and/or others acting on my behalf in this matter. The language of the Complaint is that of counsel and not my own. I have read the Complaint, and to the extent that it is based upon information which I have given to counsel, it is true and correct to ilre best of my knowledge, information, and belief. To the extent that the content of the Complaint is that of counsel, i have relied upon such counsel in making this Verification. I hereby acknowledge that the facts set forth in the aforesaid Complaint are made subject to the penalties of 18 Pa. C.S.A. §4904 relating to unswom falsification to authorities. C~~"~ $onnie L. Berkoska Date: Docmnene a~ 1.40122) L PERSONAL SERVICE LOAAd AND VISA ACTIVA~9TION NOTICE June 16, 2000 ~ ~ `~ Loan Information: Signatures: SS #: 262-79-1465 Applicant: JOHN C FLATHMANN Ref #: 114963 296 S Co•app{icant: SUZANNE E FLATNMANN Approval Amount: $20,000 Co-applicant SS #: 189-52-5516 Home Telephone #: 717 732-/744-45- We ackn dge recei oft 'e P ' Agree nt agree o be nd Work Telephone #: 7 i 7 612-8416 U LOANLINER Disclosure and Credit the terms set forth in said agreement. ~'rf /-~~ Date -~S-cam NOTICE TO CO-APPLICANT: The Cc-applicant is a person who fs responsible for the entire deht. The Co-appkcanY unit also be obAgated to pay fees and col/ectlon costs if any.. PSECU can collect this debt from the Co-applicant withoat first trying to collect from the Appfkant. PSECU can use the same collection methods against fha Co-appfcant that can be used against the App6canf. !t this debris everin defaL/t, that fact may become a part of the Co-applicant's credit history. As a Co-applicant, you shculd make certain that you want fc accept the responsibility for paying the entire debt. • I would like an immediate PSL~adv~a ce of $~ C~ U PURPOSE: ~ /d ¢~ ~~~~z, Send a ^ check, or Id'deposit to my S4 (MoneyHandler/Checking Shares) • Select your Personal Service Loan repayment option. ^ Payroll deduction ^ Automatic Transfer ^ Direct Payment ^ Homebanking ~~ ~~^ Self Service Telephone • I f,'a'want ^ do not want overdraft protection from my Personal Service Loan. . I would like an immediate VISA advance of $ .PURPOSE: Send a ^ check, or deposit to my S4 (MoneyHandler/Checking Shares) • You may have one additional card issued on your VISA account. Indicate your choice below: ^ Please issue an additional card (with the same VISA number as mine) in the name of the co-applicant, SUZANNE E FLATHMANN. Please issue an additional card In the name below. I authorize hi r use if and I for all charges andlor cash advances just as though I made them. Aut rued card h~ replacement cards or obtaihVlSA account informaticn (.e, deta' d tra sacti ns alz activity)..IOHN C FLATHtv1ANN must sign below. C~ f /~~.~ ~~ a fAutharized La older S(gnet J C F1ATF4A r ~- rrGannnav®v~sn~a ~a~ae cnn~ascdyees c.rea~i 4lla~yra ~4 ~ ~?O. &ix F7013 N Harrisburg, Pit f 7106-7019 • 17771234.8484 Harrisburg, (B00) 237-7328 Nationwide • Thkl LOlu ILI VEI3' Credo arvl Security Agreement, whkit irtdudes the TrNh in ter ding C sc os~.ire ., w1U be referred to as the Plan. The Plan documents lndude Otis Agree ng n nnc an Addendum. You, your artd borrower mean arty person who signs the 1 tar .Ore Ia Union, we, our and us mean PSECU or anyone to whom the Cre da Union I ransk rs its rights under the Plan. This is a multi-state document which ma ~ be us xf '.o en 1 b bomowars kr all slates. 1. I tOW T--115 PLA J WORKS -This is an open-end, mufti-featured credit plan. We anticipate 'ha , hJn time to time, you will bortow money (catletl "advances') under the Plan. We are not required to make advances to you under the Plan and can refuse a ~~equett for an advance at any Ume. The Addendum destxibes lire different types or aetla (caUed'subacceunts~ available urtder the Plan, the anent kOarest rate for each su6axouM expressed as a daily periodic rete arM correspondiny annual percentage rate and other charges. It may also have other terms and a schedule for determining the payment amounts. 2. CREDIT LIMIT -- We may, but do not have to, establish a credit limit on certain subaccounts. If a credo lima N set for a subaccount, you promise not to exceed the estadished credit limit. If you exceed the credo limb, you promise to repay immediately the amount which exceeds the rxeda limit 3. REPAYMENT -You promise to repay all amounts you owe under the Plan plus interest. Payments are due on the last day of the month unless we set a SdfereM date at the time of an advance. If the AdderMum has no payment schedule for a subaccount, your payment will be tletermined at the tlme of each advance. Paymeras must include any amount past due and any amount by which you have exceeded any credh limit you have been given for a subacceunt. You may repay all or part of what you owe at any time without any prepayment penalty. Even a you prepay, you will still be required to make the regulariy scheduled payments unless we agree in witting to a rhange in the payment sehedute. If you have a joint share dreh aocourn, you will be responsible for paying all overdrea advances obtained by a joint hober of the share draft account. Payments will be applied in Ole order the Credit Union chooses. 4. PLAN ACCESS -You can obtain credit advances in any manner authorized by us. If we allow you to use your ATM/Debit card to access the Plan, you may be liable for the unautnodzed use of your ATMIDebit card. You wilt rwt be liable for unauthorized use that occurs alter you notify us, orally or in wrning, of the bss, thee, or possible unauthorized use. If you believe your ATt,AIDeba card has been bst or stden, immediately inform the Credit Union by calling or writing us at the telephone number or address that appears elsewhere in the Plan. If the card is used to obtain advances tliredly from the Plan, your liability will not ezceed $50.11 the unauthorized wahdrewal is from a share drea account, your liability is governed try the Regulation E disclosures you received at the time you received your ATMJDeba card, even N the withdrewal results in an advance being made from your oveMreO subaawuM. 5. FINANCE CHARGE -The dollar amount you pay for money bortaved is calletl a Tinance charge" and begins on the date of each advance. A finance charge will be computed separetery br each separate batartce urMer the Plan. To compute the finance charge, the unpaid balance br each day since your last payment (or since an atlvance a you have not yet made a payment) {s muaiplied Mr the applicable daily periodic rate. The sum of these amoums k ate finance dtarge owed. The balance used to eempute the finflnce charge k the unpaid balance each day attar payments artd credits to that balance have been aubtiacted and any addiUOrts to ate balance have been made. In adddion to interest we may charge other anance charges which are disclosed on the Addendum. a the interest rate is a variable interest rate, the Addendum explains how are variable interest rate works. S. SECURfTY INTEREST -The Plan is secured by Ote shares and deposits in all jdnt and individual acceirnts you have wah the Credit Union now and in ate future. Shares and deposits in an Individual Retirement Account and any other axount which would bse special tax Vestment under state or federal law'rf given as security are rwt subject to the security interest you have given in your shares and deposal. Additional sewriry rosy be requiretl tlepending on the subaocount under which an advance is requested. Fa example, a subaxouM called 'New Car Advances' means the security will be a rtew cat A subacceunt called 'Other Secured Advances' means you must otter security acceptable to the Credo Union for the advance. Property given as sewriry br airy advance under the Plan will secure all other amounts you owe under the Plan or under arty other Agreement with us now or in the future. Property securing other bans with us may also secure the Plan. However, a you have given your dwelling as security for a loan wah us, that dwelling wtU rwt secure an eWance made under the Plan. 7. PROPERTY INSURANCE,TAXES AND FEES -You will be required to purchase property insurance on certain types of security Otat you give for advances. Vou may purritase the property insumnce from anyone you ritoose who IS.acceptltble to the crest Union.The amourn and coverage of ate property ktsurertce muslbe acceptable b us. you may provide the arwerry irtsurertce tltrough a poky you already have, or Loan i~is~:losures 9hrou9h a pofwy you gat and pay br.~You premise b make Ote ktstlrartce poky (payable to us and to deliver the policy or proof of coverage to us'd asked to do so. a you cancel your insurance and get a refund, we have a dgM b me refuM. a the property is bst or damaged, we can use the insurance settlemem to repair Ore property or apply a towards what you owe. You auttorze us to endorse arty draft or check which may be peyaMe to you in order br us to ce0ect any refund or benefds due under your insuance policy You promise to pay all taxes and fees (like registration tees) due on the property and to keep Me property krsured against Toss and damage. O you do not pay the tares or fees on the ~roPenY when due or keep a insured, we may pay these obligations, but we are not required to do so. Arty money we spend for taxes, tees or insurance will be added to Ore unpaid balance of Ole advance and you will pay interest on those amounts at the same rate you agreed to pay on the advance. We may receive payments in connection wah the insurance from a company which provides the insurance. We may monaor our loans br the purpose of determining whether you and other borrowers have complied with the insurance requirements of its ban agreements or may engage others to do so. The insurattce charged added to your advance may include (1) the insurance company's payments to us and (2) the cost of determining compliance with the insurance requirements. If we add amounts for taxes, fees or insurertce to the unpaid balance of your advartce, we may increase your payments to pay the amount atlded vrahin the term of Ore insurence or approximate term of the advartoe. S. NOTICE - If you do not purchase me required properly insurance, the insurance we may purchase and charge you fir will cover only our interest in the property. The lnsurence wlll not be liability insurance. 9. CREDfT INSURANCE - Credo life and/or credit disability insurance is optional under the Plan. If you qualify for and purchase the insurance from irs, you authorize us to add the insumnce premiums moMhry to your ban balance and charge you interest on the entire balance. 0 yeti elect credit insurance, your payments may increase or the period of time necessary to repay your advance may be extended beyond the approximate term stated rxt the Addendum. The credit insurance rates may change during the Plan. If the rates change, we will provide any notices required b! appUcahle taw. 10. PERIODIC STATEMENT - On a regular basis you will receive a statement showing ail Uansactions under the Plan durmg the period covered by the statement. Statements and notices will be sent to you at the most recent address you have given us in writing. Unless applicable law requires notice to each joint borrower, notice to any one of you will be notice to ail. tl. JOINT ACCOUNTS - tt this is a joint accourn, each of you is indrvitlualty and jointly responsible for paying all amounts owed. That means we can eMorce our rights urMer Die Plan against any one of you individually or against all of you together If you give us inconsistent instructlons, we can refuse to bllow your instnraions. Unless ouryrriaen poky requires all of you b sign for an advance, each of you authorizes the other(s) to obtain advances individualy and agrees to repay advances made to the other(s). 12. FEES AND CHARGES - li you give us a security interest in certain types of property, we may dtarge you a filing fee to perfect Our interest in the property. M so, the amount M the fee will fJe disclosed to you at the erne you oMairt an advance. We may also charge you other fees in connetion with ale Plan. Those fees are disclosed on the AdderMum and will be added to your ban balance unless you pay them b cash. 13. UPDATING CREDfT INFORMATION -You promise Otat yeti will promptly gwe us written notice 'rf you move, change your name or employment, or d arty other information you provided to us changes. Upon our request you also agree to provide us updated financlal irdormeaon. 14. DEFAULT - the lo/low/ng paragraph appiles to borrowers In Maho, Kansas, Mane and South Carol/na: You will be in defau0rf you do not!naka a payment of the amount required when a is due. You wBl also be in defaua a we believe the prospect of payment, performance, or realizaOon on arty Property given as security fs significantly impaired. The Jollowing paragraph applies Dory to borrowers In W/scons/n: You will be in default O you hail to make a payment when due Iwo Omes during arty 12-month period. You will be in defaua O breaking any promise made under the Plan materially impairs your abaay to repay what you owe. You wai also be in dafauN'd breaking any promise made under a Security Agreement made in cennectlon widt an advance, materially impairs the cor:daia+, value, or protection of or our right in Ore Property you gave as security. .. The foaow)ng paragreph epp8es only to borrowers In Iowa:You wet be b defaua N you are more than 10 days late in making a payment You will also be in detaua a QriVNA MUrWI GROUP. 1980, 62, Ba, Be. 89.97, ALL RIGHTS RESERVED PSECII FONM 13148 J8XX9801-1 037@eBZ-1 (yea) ~y em.,o r..wrw,urne/ you Oo not comply wlth the tams of the Plan and Your failure to comply mate ~re arty Property You Have as searity of your abndy b repay what You under are Plan. TM foilowirrg Pare9reph~apPlres to borrowers M aN other states: You win be in delauttsl you d'0 not make a payment of the amount required when h Is due.You will be ti defauH H rya break arty promise you made under the Plan er H anyone fa M default under arty security agreement made b connecton wlth an advance under the Plan. You wN be to default H you tile, fete to banfauptcy, trewme ktsdveM, Hyou make arty false er mkleading statemeMS in arty aedlt applicafion or update of credft inbnnation, a n something happens we banew may substantiany reduce your ability to repay what you owe. You will also be in default under the Plan H you are M default urxler arty other ban agreement witlt us. 15. ACTIONS AFTER DEFAULT -Tire lollawing paragraph applrea t0 borrowers In Calor9do, District o! Columba, Iowa, Kansas, Mane, Massachusetts, Missouri, Nebraska, West V/rglnla and South Carolina: When you are in default and crier expiretion of any right you have under applicable state law b cure your tlefautt, we can demand immediate payment of the entire unpaid baWrrce under the Plan without gMng you advance notice. The lollowfng paragraph applies to borrowers In all other stag except, W/aeonsln end Loulslane: When you are in default, we can require kmediate PaYmem (acceleration) of the smite unpaid balance under Ore Pion. You waive arty right you have b demand for payment, notice of Intent to accelerete and notice of acceleration. The lollowing paregraphs appty to borrowers In ell states except' N7soonsln end Louisiana: H knrrredrare payment is demanded, you rn71 continue b pay kaerest unOl what you owe has been repad, at the appricable interest rotes M effect unless a default rate is disclosed on the Addendum. If a demand br Immediate paymem has been made, the shares and deposes given as seadty br the Plan can be applietl towards what you owe. We can also exercise any other rights given by law when you are in default. You agree the CredB Unwn has the fight to take possession of any property ghnm as security for art advance under the Plan wiOwutjuadal process H fills can be done without breach of the peace. If we ask, you promise to deliver the property at a Ome and place we choose. We win rwt be responsible far arty otlter properg6 rwt covered by this Agreement, that you leave inside Ore property or that is attached b the property. We wiU try ro return Otat properly to you or make tt available b you b claim. After we have possession of the Property, we can ran lt and appy,Ahe money b arty amounts rya owe us. We win give you rrotice of arty pudic sab.or the ante after which a private sale wttl ce held. Our expenses br taking possession of and Selling the Property wtll be deducted cram the rtroney received Irom the sale. Those costs may krdurfe fire cost of storing the property, prapadng H for sale and aHOmeys fees b the extent permitted under state law or awarded under §506(b)ot the Baniwptcy Code, The rest of the sale many an71 ba applies to what you owe under Os Plan. 16. ACTIONS AFTER DEFAULT -WISCONSIN -The lollowing paragraph applies only to Wlscortsln borrowers: When you are kt detauHartd after expiration of arty right you haw under applicable state law to are your default, we may require immediate payment of yar outstanding ban balance under the Plan and seek possession of the property.You may wluntadly give the property b us H you cttoose, or we may seek to take possessbn of the Property b!' Judictal process. It we repossess the property, you agree to pay reasonable expenses irtamed in disposing of the Property. N the Property is a motor while, mobile home. Nailer. snowmobne, boat a ainxaH, ynu win also be required b pay any costs permitted by Sectlon az2.als of fire Wsconeb statutes. n. ACTitx+s AFTER oEFiwu - LouISIANA -The auawgg Paragraph applies onty b Louisiana borroavris: Wizen you are th detaull, we wn require krarradiare payrrrrmt (aooeleretbrr) of fire entlre unpaid balance under ifre Plan. You weirs arty right you !rave b derrwtd br payment, notice of kttertt m accelerate and rr017ce of ameleretiat. H irrxrsdiate payment N demanded, You wnl corrtlaee b pay unless a default rate kdsddsed on the A~dd~errdu m a tlemaM iurknmerAate payment has been made, the sftares and depoalts given as searrity br the Plan can be appned towards whet rya owe. We cart also ermrcise arty otlsr aglas given pt' lawwhen rya ere it default elr0 our Tighe rrfrder arty 6ecurity agreetnenl5 you have WYh aA t& CANCEWNG OR CHANGING THE PIAN - Tho Ibliowing paragraph applies only to borroaaxs In illlnols: We haw Ore fight W dtarge the tams of the Plan from lime b dme eher giving you arty adwma notice required by law. Any Change to the Interest refs or ottter ctrarges win appty to future advances. The /ollow/n8 Pare9raphs aPP/Y only fo barrnwers M W/scone/n: We can change the terns of the Plan horn tlme to time in axorclance wHh Sectlon 422.415 of the Wisconsin Stables. You will be nenfretl of any change kt terms. An Increase in the dairy perrodre rate under a wriade rote irderest rate is not considered a change In terms under the Plan. We can cancel the enure Plan or any part of the Plan er arty Ome. You may cancel Ore Man at arty Ume M gMrg us prior written rrotke. Your obligatbn b pay the urrpaW balances under the tams of fire Plan continues whether you~or the credit union cancel the Plan, except to Ore extent Ost your Yrability is limtted by Setdon 422.4155 of the Wlscortsb Statutes. errs rwroweng paragnyar apprroe anry ro oorrowara /n dorva: We can change fire terms of the Plan iron tkrre b tkne aker t>>~0' You arty edvarrce notice required by law. A drarge Ihet kraeases the rate of finerrce charge a other charge, that ktcreases the amount of your payments, er that otherwise adversary aHxlts exisdngt balances vent appy to existing balances only a you agree to the' a,artge a you use the Plan alter receiving nonce Drat your use of the Plan means rya agree the change appnea to existlng balances. The tdlaving paragntar epPlres to borrowers In all other stares: We traw the eight to dtange the tams M the Platt tram dme to tlme after gtvkg you arty advance notce required bylaw. Arty change b the interest rate vn71 appy a future advances. and at aru discre0on, end subject ro arty requirements of applicabe law. win elsoF apply to unpaid balances. The Ioilowing paragraph applies to all borrowers other than R7scons/o t»rrorwara: An Increase b the deity periodic rate under evadable Interest rate Is not considered a change in lama urder the Plan. We can cancel the entre Plan or any part of the Plan al any Ome. You can cancel the Plan al arty time. Your obngaHon to pay the unpaid balances under the terms of the Plan continues whether you a the Credtt Union caravel the PWn. Seetlons 27'25 apply H you 9~ aeeur9ty in connection adtlt an advance under the Pren. They appy to borrowers M all elates except Louisiana. Lauittans borrowers will execute a separate security agreement. Borrowers in other states may also f>e asked to execute a separate security agreement ter. DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN - We Can delay enbrdng arty of our righds under this Plan any number of times wHtrout bring the ability to ezerdse our rights later We can enforce this Plan against your freire rx Legal representatives, tt we dtange the terms of the Plan, you agree tttat Oris Plan will continue b protect us. 20. CONTINUED EFFECTNENESS -Harry part of this Plan is determined by a court to be unenbrceaWe, the rest will remain in effect 21. THE SECURYTY FOR THE LOAN -You give us what as knavn as a security interest in an property described in any receipt, wudrer or other document you receive for an Advance ('Ihe Advance. The searity irnerest you give Irtctudes erg accessions. Accessions are things which are attached to or lnstaltedkr the property now or in the future. The terxrrity interest also includes any replacemens for the property which you buy wNtin 10 days of the Advance or arty exlettsipns, renewals or refinenctng of the Advance. H also includes any money you receive from Bening the property orfrom insurance you have on the properly H the value of the properly declines, you promise to give us more property as security H asked to do so. 22. WHAT THE SECURrfY INTEREST COVERS -The searity interest secures the Advance described in the receipt, wuctrer or any other doamem you receive at the Ome of the Advance and any extensions, renewals or refindrrcings of the Advance. tt also secures arty other advances you have now or receive m the future under the Plan sal any other amounts or krans, inducting arty rxede card krart, you owe us for arty reason nOwor In the fuure, except any ksn seared byyourpartdpaf residence. H the property is household goods as defined by the Federal Trede Commissbn Crede Precfices Rule, fire property will scare only the Advance and not other amounts you owe. 23.OWNERSHIP OFTHE PROPERTY -You promisethat you own the property or 'rf the Advance is io buy the property, you promise you will use the Advance br that purpose. You promise that no ors else has arty interest fi or claim,agairst the property that you have not already told us abouLYou pronise rwt b sell er lease Ore property or to use k as security for a loan with anonsr txedaor urrnl Ute Advance b repaid. You promise you win snow rro other security interest or rren to attach to the Properly either by your actions a by operetbn of law. 24. PRt7TECTINGTHE SEWRRt'INTEREST-Hyour state issuesatitle for the Property, you Promise to have our severity merest stavm on the dtla. We mry have to file what is caned a firsncirg statement to protect our searlty kaerest from the claims of others. H asked b do so, you promise to dgn a finartctng rtatemem. Yau also promise to do whatever else we think is necessary to Prot our security interest in fire property. 25. USE OF PROPERTY- Umn the Advance has been paid off, you promYou will: (1) Use the property careNlty ant keep H in good repair. (2) Obtain our wmten permissbn before makktg major charges b the property a changing Ore address Alkmv US to Inspect the properly. (5] Promptly rwtlly us HH the gProper'q' damafied, sblen or abused. (6) Not use the property br any unlaw7ul purpose. 26. NORTH DAKOTA NOTICE TO BORROWERS PURCHASING A MOTOR VENICLE.THE MOTOR VEHICLE INTNISTRANSACTION MAY BE SUBJECTTO REPOSSESSION. IF R 6 REPOSSESSED AND SOLD 70 SOMEONE ELSE, AND ALL AMOUNTS DUE TO THE SECURED PARTY ARE NOT RECENEO IN THAT SALE,YOU MAY HAYETO PAYTNE DIFFERENCE. 27. VERMONT NOTICE TO CO-SIGNER - YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OFTHIS LOAN. IFTHE BORROWER DOES NOT PAY,TH£ LENDER HAS A LEGAL RIGHTTO COLLECT FROM YOU. Thb notice CordaMs knportarrt inlornra9on about yow dghte end our tespatsiWlides urWer Me Fak'Creda BNAng Ad. NO'Y1FY US IN CASE OF ERRORS OR QUESTIONS ABOUTYOUR STATEMENT- N you think your statement is wrong. w 8 you need more information about a transaction on your statemem, wme us on a separate stteetat the address listed on your stetemam. Write to us as soon as posside. We must freer from you no later ~ Ulan 60 days after we sent you Me lust statemem on whik:h the ertor or problem appeared. You dm telapfarre us, bW dclng so wlti not preserve your rights. In your fader, give us the ldiowin9 information: ` Your name and account mamber. The ddlar amoum d the auspeded error. ` Describe Me enor and explain,'rf you can, why you he8eve there Ls en error. 8 you need more information, describe ute Kam you are rrd sure about. If you have authorized us to pay a credit card account automaticetiy from your share account or checking acceunt, you can stop the payment on any amount you Mink is wrong.To stop the paymem your letter must reach us three lwsiness days before the aulamatiC payment is scheduled to occur. YOUR RIGHTS AND OUR RESPONSIDIUI7ES AFTER WE RECEIVE YOUR WRRTEN NOTICE - We must acknowledge your letter within 30 days, unless we have corrected the enor fry then. WNtin 90 days, we must eaher coned the error or explain wiry we believe Me statemem was correct. Attar we receive your letter, we cannot try io tolled arty amoum you quesfion, or report you as tlelinquent We can oorrfinue to sane statemems to you for Me amoum You question, indutl'ntg finance charges. and we can apply arty unpaid amount brthe ca~M nwlwh signs ttus Agreert~Cer~d means rlrsVlSACredd Card atWa arty duplicates and renewals we issue. Aecoum means your VISA Credit Card Line of Credk amount with us. We, u& and ours means Mis Credd Union. L RESPONSIBRITY - g we issue you a card, you agree to repay all debts and the Finance Charge arising from Me use of the card and the card account For example, you are respons(ble for r9targes made by yourself, your spouse and minor dtiklren. You are also responsible for charges made by anyone else to~whom you give the cere, and Mis responsibility mntnues uml Me card is recovered. You carrrrot asdaim responsibii'rty by notifying us, but we w81 dose Me account for new transactions H you so request and return ail cards.Your obligation to pay the amormt balance continues even Mough an agreement, divorce decree a other ceun judgment to which we are not a party may direct you er one of Me other persons responsible to pay Me account. 2. LOST CARD NOTIflCATION - If you believe the card has been lost or stolen, you will immediately call the Credit Union at (717) 234.8484 or (800) 237-7328. After hours call (800) 556-5678. 3. LIABILITY FOR UNAUTHORIZED USE -You understand Brat your total liability to Me CredR Union shall not exceed $50 for any cent transactions resulting from the bas, Meft or unauthorized use of Me card Mat occurs prior to Me time you give rtofice to the Credit Union. Such Oabiliry does rrot appy when Me card is used to make etecVOnic fund iransfers.The Credtt Union uses neuret networks, which b9 ardfrciaf Mtefiigence can retxtgrrize and alert us to potential haudulent trattsatttiorts. These alerts rosy generate inquiries about your use of the card and we apologize for arty inconvenierhce this might cause. 4. CRE01T UNE - H we approve your applcaton, we w(a establish aself- replenisNng lkte a( treat fd you and entity you of its amoum when we issue tits cent. You agree not b let Me account balance exceed Mis approved Crest Line. Eafi payntem You make on the aaouM wN restore your CredN Una by lfte anaunl of the payment which is applied to the pdrk4pai. You may request an krcrease b your Credd Line Doty by wdben application to us, whhich must be approved by ourrxedtt committee a loan otficar. BY itivkg you written notice we may reduce your Credit Una from 9me to rime. ar wiM good cause. rewka your cerd aiW terminate Mis Agreement. Good us, or our adverse reevaluation of your aedrtxrordhlness. Ybu may also teminate Mis baamDUtyM balance. The cards mai~r properlyrly and you must~ecotnar and sumerhder to us alt pMS upon ad request and upon temtkhation d this Agreement 5. CREDR INFORMATION -You audrodze us b investigate your credk standing when opening, renewing or reNewiing your ammum, ant you authorize us to disclose information regard'mg your amount to dedh Wreaus and ottrer credhors who ahquire of us about your credit standing, 6. MONTHLY PAYMENT - We will ma0 you a statemam every monM showing your Previous Balarces of purchases and cash advances, the current trartsac9ons on your amoun4 tfhe remaining trade avaBaMe under your Credit Line, the New Balances d purdhases and cash advances, the Total New Balarho9, rite Finance Charge due to date, and any other billed fees, ant the Minimum Payment required. Every month you must pay at least the Minimum Paymem wthin 25 days d your statement dosing tlate. By separate agreement you may authorize us to charge Me minimum payment au[omatlpllyto your share or drecWng account with us.Yal may, of course, pay more Srequentty, pay more dhan dhe Minimum Payment, d pay rite Total New Balarvce In tua, and you wIN reduce fie finance charge by dolig So. The rt4tYnuxih paymem wiN be (a) 2% d your Total Naw Balance, rounded up to the nerd even doaer, a (b) $20.00. whidtaver is greater. in eddi8dh, at airy tune yourTOtal against ydur credit unra.YOU do not Crave to pay arry questionedamoum wNle we ere Irwestigating, but you are still odigated to pay the Parts d your statemem that era not in question. tt we tied that wove made a mistake on your statement, You will not have to pay any finance cher9es related to arty questioned amount M we didnY make a mistake, you may have m PaY finance tAtarges, and you wi0 have to make up any missed payments on the questoned antount. In ekher case, we will send you a statement d Me amoum you owe and the date Chet i1 >s due. If you fall to pay the amount Mat we think you owe, we may report you as delirpuenL However, H our explanation does not satisfy you and you write to us within ten days telling us that you slip refuse to pay, we must tell anyone we repoA you to that you have a question about your statement AM, we must tell you the name d anyone we reported you to. We must tell anyone wereport you to that Me mailer has been setded between us when a finally is- If we don't follow these rules, we can't culled the first $50 of the questioned amourns even K your statement was coned. SPECIAL RULE FOR CREDR CARD BURCHASES - If you have a problem with the quality of property or services Mat you Purdrased with a credit pM, and you have tried in good faidr to coned Me problem wkh Me merciran6 you may have Me right not to pay Me remaining amount due on the property or senrices.There are two limitations on Mis right (a)You must have made tits purdtase in your home slate o H riot wihin your home state, wihin 100 miles d your a,rtem mating atldress; and (b) The purchase price must have been more Man $50. These timitadons do not appy a we own or operate Ma merchant, or 8 we mailed you the advertisemem for Me property or senicas. New Balance exceadsY~CreddUrte, you must Immediately payMe ezoessupon our demarW. We wiU apply payments in the following manner: first to previous late kes. then to Previous cash advances Tmance dtarges, Men to previous purchase finance d,arges, then to amem late tees, tiren to previous cash advance balances, Men to Previous purdrase balances N the onler Mat May were posted to your acaxrnL Men to currerd cash advance balances. and then M arrem purchase balances. 7. flNANCE CHARGES -You can avoid Finance Charge on purchases by paying Me full amount of the New Balance of Purchases each monM wihin 25 days of your statement dosing date. Otherwise, itte Now Balance of Purritases, and Me subsequem purchases from Me date they are posted to your acmam, wNl be subject to Finance Charge. Cash advances are always subject to Finance Charge from the date they are posted to your account Purchases: We calculate your finance charge by muhiplying the average adjusted daily balance (see explanation babes), including new purchases, tar the billing cycle by the momhly periodic purchase rate as disclosed on die addendum. Cash Advances: We cetatate your finance charge on cash advances by multiplying Me average adjusted daily balance (see explanation below) for cash advances during Ma billing cycle by the monMly periodic advance rote. Balance Computation Method Trar sa~c8o r~is kwca lated~by adding 8sre ty Balan~oes(PUrdraseT Mransac8onrdj b each day in the billing cycle, and then dividing by the number of days in the billing cycle. To calculate Me Dally Balance for purchases each day, we take the folbwtrq steps: We take the outsgrhding Datartce (all anroums you owe) at the start d the day. Then, in the sequence fn whkh arrroums are Posted b your accoum, we add she amamts ct aN debits amt subtract Ute amamts d a8 credits a payments wFtkh post b your amount that day. Attar epptyirtg Paymerts and credtts, we subtract the amWrt of arty whpaki F9nence Charges a Late Charges. Then we also subtract fire amoum d any Cash advance transactions Met posted m ytwramwnt on that day or In any prevbus day M lfhe ldlling cyde.This gives us Me Deity Balance for purchases. Ahremge Dally Balance br Cash Advances-Cash Advance Transactions which are posted to your account are not krduded in the Average Daffy Balance caNxuladon for purdhases, and are therefore ltd subject to ate monMty parodic rate for puuchases. The Averege Daffy Balance is calculated separately for Cash Advances anti is CeshTransaclions is ce~kwl~ated by adding the DaIN! Baiartces (CasirTransac8on) br each day in tits biting cycle, and tften drMmg by Me nhunher d days in the Wllirhg uyde. To calculate the Dally Balance br rash each day, we tales MelollowMg steps: ova take lire outstarM(ng balance (ag artbums you owe) at Me alert M the day. Then. in the sequence in which amounts are posted to your amouum, we add ilia amoums d all debits and subtred Me amounts d ell debits or payments which post to Your ammum that day. Aher apptying payments and credits, we subtred the amount d arty unpaid France Charges or Late Charges.Then we also Subtract fie smarm of any Purchase Trerhsadbns that pasted to your account on that day a kt arty prevbus day M Me billing cycle. This gives us Me OaUy Balance to Cash Advance Transactions. Note: Cash Advances are always subject to flaeace charges and from the day they are posted to your account Paymems are applied M the following manner. Tirst to previous tats tees, Men re previous cash advances 9nartce charges, Men to previous purchase finance charges, then to cumem late fees, than to aevioue cash agvance balances. Men to previous purchase balance's N the order that May were posted to your amoum, then to current cash advance balances. and then to WRem purchase balances. lXedBs are applied first to the partkxular type of debt which b being credited, N any, and then to the balance d your smarm. ..,w ... w.. w.u nM."w.mmr tlNO IIYNr M LarNInN /IiCINiNB ICNrraflNa0~1 Nola also that N the total of fire payments and credds width are postetl to your account gl the PhymeM t'iue Gate shown on a statement R equal to or exceeds the New Balance shown on that statement, we will not appy the Monthy Perbdk Rate a your Account on your next statement. 8. DEFAULT - Ypu will be in defeue a you fall to make arty Minimum Payment within 25 days alteryoa mondvy statement dosing date.You audar¢e us to Uanster funds arrifident a make the minimum Payment due a your VISA ben is b default vox agree that we may temporertly suspend your ATM card access u your VISA payment k due for a period exceeding 90 days. You will also be b default M your aWilly to repay us H materialy reduced by a drange ro your employmen4 an karease in your obligafions, bankruptcy or Insolvency Proceedings Imrdvirrg you, your death or your failure to abide f>y this Agreement, or a the value of our security krterest materiely dedines. We have fire right io demand immedrate payment of your lull aceouM balance tt you default, subJed to our 9~n9 You any rallce required by law. To lire aMent permitted by law, you will also be required to pay our ceNedion expenses, including court costs and reasonable attorney fees. 9. USING THE CARD - To make a purdrase a cash advance, there are two attemative procedures to be roilowed. One as for you to Present the cant to a partidpaWrg VISA Plan merdrant, to us or arattar finarrdal Nrstibltiort, ant sign the sales a cash advance draft which aa71 be knprinted with your card. The oilier A to complete the trarsacton by using your Personal identificatxa Number (PIN) in conjuration with the card in an Automated Teller Machine a other type of electronk '~I lerminai that provides access W the VISA system,You agree that you wiN rra use your card for any transaction that is illegal order appfaable federal, slate, or boat law The rtanthly statement wiU klentiy the marcham, electronic terminal or finarrdal Institution at which irarrsadions were made, but sale, cash advance, credit a other slips cannel be reWmed with the statementYou will retain a copyof such slips furnished atthe lime of the transaction ki orderb verify the mouthy statementThe Credd Unbn may make a reasonable drarge rot photocopies of slips you may request /0. RETURNS AND ADJUSTMENTS -Merchants and others who honor the card may 9~ rxede for returns and adjustments, and they wNl do so by sending us a credo slip whkh we will post to your account g your ttede and payments exceed what you owe us, we will held and appy this trade balance against future purchases and cash advances, or iF a is one dollar or more, refund tt on your written request or automaticalty after abc months. MONEY ACCESS CARD CARDHOLDER AGREEMENT -The Undereigced (you or your), in consideration of THE PENNSYLVANIA STATE EMPLOYEES CREDIT UNION (we, our and us) Lswing to you a MONEY ACCESS CARD,•Iiereby agree to be legaly bound by the following terms and cardi6ons.You agree that the use of your MAC card(s) cons5tutes acceptance of the terms and cendelons of this Agreement.You undersand that MAC is a aeGn-related service and you authorize PSECU to obtain a trade report on any users of this account 1. Acewnts and Uses of MONEY ACCESS CARD You have the account(s) (inducting Cheddng and Regular Shares), which we set brth on your application form wNh this Agreement. You hereby request that we issue to you one or more MONEY ACCESS CARD(S) to be used In connection wror such acceunts as described in this Agreement. You understand you may use the MONEY ACCESS CARD at a MONEY ACCESS CENTER• b (7) wehtlrew cash from, (2) make or artange for deposits in, (3) effect transfers to or from your axouM, (4) receive inrortnadon regarding the balance in your acoount(s) or (5) make cash advances firm your dretle acoount(s) in the amounts you request You may also use automated teller machines throughout the Uneed Stales and in certain foreign ceuMras whkh bear the PLUS SYSTEM• name end logo (1) to make wittdrewals from, (2) effect trarrslere to or from, (3) receive information ragaMing the balances in your Cfreddng or Regular shares. H you have a Personal Service Loan eppraed and in place, you may also make a cash advance Iran your PSL You funher uservioas (`Purdtase~ at arty reteN~estaaishmSSe~ ARD b purchase goods and ACCESS CARDS are accepted by such Merchant. ~~ where MONEY ACCESS CARD W make a Purchase re obtakr cesh, ~ use the MONEY Permitted b/ the Merrfiarr4 You shall be requesdrq us to wNhdrew funds in the amount of such Purchase (inducting any cash received tram the Merchant) from your Checking Shares and directing or adoring us b pay such funds to the Merchant You request dratwe wNl pnwide re you such otter services a access b other ATM systems or networks using the MONEY ACCESS CARD wlrbh we may letermake avaiable and which wa advise you era oNered kr connection wNh Your aoceuM(s) set forth on your appNcation romt. You also understand that from time to 6ma you thrargh Na MON~EY~ACCESS CARD we have issueda W you. You agree that~aa uses of the MONEY ACCESS CARD desatbed inttds Agreement shah be subject to the rules and regulations of each account wNdt is aceessed by such Card. 2. Use of Personal IdeMiflcatbn Number ("PIN") wtth MONEY ACCESS CARD You understand that a MONEY ACCESS CENTER or a PLUS SYSTEM ATM is an automated teNa. tt can arxi wIN pertotm many of the same tasks as a human tetiecYou admowledge that the Personal Identiraatbn Number or PIN which you use with the MONEY ACCESS CARD k your signature. Wentiries the bearer a fire Ceti ro the MONEY ACCESS CENTER, PLUS SYSTEM ATM, W other neavak ATM errd audrenticates ant validates the directbrrs given just as your actual signature and other proof Mentgy you ant autheMkate end valWareyour r r. Wr{CIUn rnN1YDAli1nNIS-r'6rfp18Se5 era C&SrlBdVara05 made m foreign oounuies and rorelgrt arerw9es wNl be bleed ro Ydu In U.S. doNeraThe oarversion rate to ddlere win be m the wholesale madcet rete a pq fire governnrerrt-mandated late, whktaver is applicade, fn eNed one day Prior to the processing date, hareased by one percent ~ ~ .. 12. PLAN MERtA1ANT DLSPUTES - We are not responsible for Nre refusal of arty ~deterrses otlarthantortdalms)ad8ingo ctrl ot~gootls and sew l~to Balms and the cant only tt you have made a good ietlh exempt, but have been~urrabto obtain safislaabrr hen the plan merdtent, end (a) your purdrasewas m~e in response to an advertisemera we sent a parlkipated In sung you, a (b) your purdtese cent more than S50 and was made Irorm a plan merchant h your elate a wttldn 100 miles of your forme. Arty other disputes you must resolve directly wtth the plan mefcttaM. 1S. SECURITY INTEREST - 7o secure your account, you grant us a purdrase motley sewrtty hnerast under the Unecrm Commercial Code in any goods you purchase through the account. It you defardt, we will have the fight to reraver arty of these goods which we have not been paid for through our application of your payments in the manner described in the Monthry Payment section. With respect w this account Dory, we will not assert any statutory right we may have tt you are in default to prevent widxlrewal of your unpbdged credit union shares (Deposits) bebw the unpeW balance of your account }"fowever, a you give or have ghren us e spedNc pledge of your rxede unbn shares (Deposits) by sigMng the Pledge of Shares or otherwise, or arty other security interests for aN your debts, your aocdUM will be secured by your pledged shares (Deposes) and by the property described In those other security agreements, except rot your home. 94. EFFECT OF AGREEMENT -This Agreement Is the conhad which applies to all hansactbns on your aaount even Baugh the sales, cash advance, credit or otter slips you sign or receive may contain different temrs. We may amend the Agreement horn dme b dm0 by sending you are advance wreten ragce required M Iaw.YOUr use of the card thereafter will indicate your agreement to the amendments. To the extent file law parmNs, and we hrdk:ate in our notice, amendments wilt appy to your existing acceunt balance as wallas to haure transactions. 15. LATE PAYMENT CHARGE - M your Minimum Payment a oat paid whin 15 days after the Paynant Due Date, you will be subject to a single charge of 5%of the minimum scheduled paymem 16. COPY RECEIVED -You aclaiowledge receipt of a Dopy of this Agreement. directions to a human teNecYOU also understantl that a MerdraM whidr accepts the MONEY ACCESS CARD for a Purchase ffansaction may have an electronic terminal (Merchant operated orSee-Service) which requires the use of your PIN and when your PIN k used at a MerrmanCs terminal, a wNl authenNCate and validate the directions given Just as your actual signature will authenticate and validate your directions given to us. You arduwwAedge that your PIN is an identification code that is personal and confidential and that the use of the PIN wish the MONEY ACCESS CARD is a securty devise for your account(s). Therefore, YOU AGREE TO TAKE ALL REASONABLE PRECAUTIONS THAT NO ONE ELSE LEARNS YOUR PIN. 3. Uabllity for UnauthoNzed Trensaalons You agree to centad us at once d you believe the MONEY ACCESS CARD(sj issued to you or PIN has been bst or stolen or money is missing from your acWUM(s). You also agree that a your rtanthly statement shows transactions which you rid rat make, and you do not contact ru within 60 days attar the statement was matleJj to you, you may trot get any money bst after that fima. YOU AGREE THAT IFYOU GIVEYOUR MONEY ACCES$S CARD(S) and PINTO SOMEONE ELSE TO USE YOU ARE Al1THORIZING THEM TO ACT ONYOUfl BEHALF AND YOU WILL EE RESPONSIBLE FOR AfVX11S,E OFTNE CARD(S) DYTHEM.You could lose aN your money in the acceurtt,(s) a you take no action to notNy PSECU a the loss of your MONEYACCESS CARD a PIN. Safeguard your Personal idenl{flcation Number (PIN). Do nottea a'dlsdose your PIN toarc/ other person. Do rat write your PIN on your MONEY ACCESS CARD. Do rat keep a written record of your P1N near your MONEY ACCESS CARD. Do not choose a PIN that N easiy Mentifiable. A new card may be ordered br you at that time and a'ho1C wiN be placed on your old card. Auer such time, tt you find your oW card, destroy the rid card by cutting h th haN. tt you attempt to use your old card, R wiN be caWured and retained by the MONEY ACCESS CENTER, PLUS SYSTEM, or HONOR ATM. 4. Charges You agree M pay a 50 cent drarge rot each depostt a wNhdrewal exceeding 15 a month.You agree tq Pay the 50 cent penally charge on arty cash disbursement transaction (ben ad4arae a share wtthtlrewan~that a kss than 510. You agree b pay a 25 cent charge on eadr balance ktquiry. You agree to tray the drarges or transaction fees which are charged by us rot these servroes or for services which may later be oeered as such fees a charges may he imposed or dranged from tlme to time. 5. Deposits You agree fhat when you make a deposN at a MONEY ACCESS CENTER that we nave the fight b verity the dePoae barore we make the rangy available to you. e you deNVer cash. checks a other Hems to a MONEY ACCESS CENTER, yvu urderstand and ackravdedge that fire ~lurtds from your depostt may rat be available for immediate wiadrewak grid that the aveeabiery of Your deposit shall depend on our rules and regulations regarding the pariaaar account H whkh Y'ou ._~~q n.~ - r '-k' •,~----_°~ ^r'~?`u 111~j`[~~"NlililllRalMlfll _"nnwAMemm~~9~fNIPep!RNPAP~aP9'atlRl@lPoI~FlaA~m"sw~nmar"~~~m•~=~- ~°•°*m ~'E^-~' p ~~ynyy,ttrr. ,MAC AareemBnf~Bgd~$liggfagnn `.E" O/adoeure (tondnuedJ are making a deposq the Hems fryer you ere depasltirrg erd wtrether the depose is made at a MONEY ACCESS CENTER that k owned by us w aratlrer flnerrciel trrsdaNart. You also rnderatand end adarovAedge Nat nq aN MONEY ACCESS (%147ERs may accept-deposgs and somaMONE^! ACCESS CENTERS mayfimN the amount q hinds whldr may be deposited and we may rid canlr0l Mesa Nmks. 6. LJadihy H the MONEY ACCESS CARD is Issued br a jdnt account, you agree ro be jointly and severally gable order the terms a dtts Agreemem erd Ne agreement br such account. You agree that n you make depaks w payments ro your account(s) with Hems other Nan Cash (dtedrs, drafts or other Hems) and we make funds available to you hom such deposes prior ro Heir cdlerttiwr, you agree that we may dedugNe artaunts d such funds from your account(s) whbh are not cgleded or, g the tends hr yow account{s) are bsutCafteM et sucfi time, you will promptly pay to us any amount of such funds whkh are not collected. 7. Amendment of this Agreement You agree that hom Ome to time we may amend w dtange the terms d.Nis agreement Indudin9 amandrtraras or atarges ro add further MONEY ACCESS CARD servkas or to emend or drarrge Ne charges br these services. We may do so b1' notifying you M writing d such amendments or ,ranges and your use M Ne MONEY ACCESS CARD after the effecgw date of arty such amendment or change shag constNUte your acceptance q and agreement ro such amendment w change. & Ownership You agree that the MONEY ACCESS CARD b our property and you wIN surrender e b us upon our request You agree that the MONEY ACCESS CARD h non-transferrable. 9. Disgosures You hereby aciutowiedga receipt of the. discbsure steRemeM IMOrming you d your dghts underNe Electroek FundsTrensfer Ad and a copy q Nis Agreement REGULATION "E" DISCLOSURE 1. Summary of Consumer Llabinry • MAC, ACH and SST -TeN us at once g you believe your cad has been Lost or dolen.TelePhoning tithe bast wayro keep your possible bsses down.You could krse all the momeyin yew acgountpius your maximum ovedrek gyre of dediL e you believe your card has been lost or stolen, and you tell us within two business days after you loam q the kus or Heft, you can loss no more than $50 "rf someone used your card without your permission. If you do not tell us wthin two business days after you learn of Ne bss or Nek of your card, and we can prove we Wufd have stopped someone from using your card wnhoW your permission ff you had told us, you could krse as much as 5500. Also, 'rf your statement stwws transfers that you did rest make, teN us a1 once. n you do rat tell us wihin 60 days af(er the statement was mailed ro you, you may rid get bade arty money youkut after the u0 days ff we can prove that we could have stopped someone from taking Ne money a you had rold us In gins. ff a good reason such as a beg trip or a tk)Spnal stay kept you hom telling us, we wgl extend the time periods. 2. Telephone Number end Address ro NotHy of UrmuthorizedTrensfere • MAC -Goofed PSECU ar (800) 237-7328 w Money Axass Service (MAC) at (800) 523<176 during PSECU non-business hours, then follow up by contading PSECU at (800) 237-7928 the rreM business day. • ACN and SST - CoMaq PSECU al (800) 237-7328 (nationwide) or (717) 23443464 (M Hartisburg). Or write to us at: PennsylvenM State Employees Credk Union P.O. Bea 67013 Hartisburg, PA 17106-7013 PSECU Business Hoare 7:00 a.m.-5:00 p.m.M-F 8:00 a.m. -Noon Saturday TDD (800) 472-1!767 Nagonwide (717) 777.2100 b Harrisburg 3. Flnanelal Inatkudon's Business Days ' MAC, ACH and SST - PSC-CU's Business Days are Monday Nrough Friday, Hdidays not~induded. 4. Types of Electronic Transhre a Consumer May Make • MAC -Balance inqulnes on dreddng, savings and PSL; wiNdMwals from checldng/savings; cash advance from PSL; deposits to chedring/savings; purdrase goods and services at arty accepting retail establishment • ACN - Preauthorvad debits and wedits ro dreddng and sawngs. ' SST • (3alance hrqulnes aril iransaaion histories on all share, certilirate and loan acwunte; tranefere from any share ro another share a ben adCOUM hom .your PSL b arryshere w ban account; wiNdrewals Irom any share except IFiA -stoves w certfficetes. & Arty Charge, for Ekehonlc Funds Trensla'e w for iha fUgM to Itleke lyanafere • MAC - FmY cents for each disburserrrent (cash advance or wehdrewat) less than ' 520: fifty cams br each harrsacgar over 1& per month. and a 2a cent , drarge on each balertce kpuiry. ' ACH -520 service charge br irrsrdfiaeM fords for each elerfiwrk: transfer. ' SST-none I 6. Summary of Consumers Right to Aecelw DoeumeMalron of EFTs • MAC -You ere entltled ro receive a prkded receipt at the time q each hartsacgon. You wPo recehre a nrongrly Statement strawltrg the status q your acooum, any transactions made during the rrwnN, and arty penalties or granges. I PSECU may impose tlunng the mddh. ' ACHand SST-You win reoehre a monthty statement showing the status q your account, arty transactions made during the rtronN, and arty penalties w ararges PSECU may imposedudng Ne month. • It you have artanged to have a direct deposit made to your account at least once every 60 days frWn Ne same person w company. You Can call us at (800) 237. 7328 ro find out wheffrer w not Ne d~rostt has beery made. 7. Stop Payment Rights - Preaulhorlmd transfers ' MAC and SST-NOtapplicaMe. • ACN - RIgM tc Stop Payment and Procedures for dgng so. If you have roll us kr advance ro make regular payments out d your account, you can stop arty d these payments. Here's how: Call us at (800) 237-7328 (Nafionvdde) w (717) 234-8484 (Hartisburg) wwrke us at: Pennsylvania State Employees Credk Umon, P.O. Box 67013, Hartishurg, PA 77106.7073, b dine br us ro receive your request Nree bushress days w more before the payment Is schadWed b be made. k you call, we may also require you ro put your request in wilting and get k ro us vrlNin 14 days aiteryou call. • fVatlce o/YaryingAmoants. ff Neseregular paymeMSmayvary in artrouM, Ne person you era gobg ro pay wtN leg you, 10 days 1>ebre soar paymem, vAten n will be made and how mudr k will be.Yeu may t9idose Instead ro get Nis notice only when the payment would dines by more than a certain amount from the previous payment, or when the amount would fall outside cerWn Tanks Nat you set • LfaWllty for Faflure to Stop Payment o/Preauffiodmd7Farra/ers. ff you order us to stop one of Ness payments Nree business days or more before the trensfw is scheduled, and wa do rest do so, we wnV be gable br your fosses w damages, unless we request and do not receive wriken confirmation d an Drat slap payment within i4 days and Ne transfer takes place after 14 days, w you fail to give us proper instructions Nat would enable us to place the stop on the transfer. 8. Summary of the Flnanelal Instkmion's Faflure to Make or Stop Certain Transfers ' MAC-N PSECU tails to complete a trensacgon on inns or in the correct amount, when Properly instmged by you, PSECU will be liable for damages mused by our failure umess: (1) Nere are insu(fident funds in your axouM b complete the transfer, (2) the funds in your account are uncollected; (3) Ne funds are subjed to legal process; (4) Ne transacgon you request would exceed the funds M your aOCeuM puts arty available overdraft proleCfion; (5) the Money Access Gamer, PLUS system w HONOR ATM has Insulfident cash ro conrplero Ne hansagbn; (6) your card )ras been reported lost w stolen and you are using fie reported card; (7) PSECU.has reason ro believe that the trensacgon requested is urtauNonzed; (8) Ne fagots U due ro an equipment breakdown that You forces about when you started the trensadion at the Money Access Center, PLUS System a HONOR ATM: (g) the fegure was caused try an aq of Gad, fire, w other catastrophe, or by arty other douse beyond'conhol; (10) tt you attempt ro complete a trensac0on that, ar a Money Access Celle, PLUS System w HONOR ATM. w merchant terminal Nat ffi not a pevmissihte ttansaction nsled above; a (11) Ne lrensaction would exceed the security limeadoiis on Ne use d your Money Axes Cant. • ACHandSST-ffPSECUfallsrocompleteatrensacdononWmewinthecwrect amount, when property InsGUCted by you, PSECU will be Sable rot damages caused try our failure unless: (1) there are insuffideM lands in your account ro complete Ne transfer, (2) Ne funds in your account are uncollected; (3) the fords are subjed ro legal Process: (4) Ne transagian you request vrouki exceed th funds b your axouM plus any available overclreft wade; (5) PSECU has reason ro believe that Ne transacgen requested is unaWhonzed: (6) the tagure was caused by an aq of God, fire, or other catastrophe, or by anotter cause beyond contrd. In arty case, PSECU stroll be IiaWe rot equal Proven damages k Ne taNure ro make Ne trartsadion resuned from a bona fob ertor despke PSECU's procedures ro avid such errors. 9. Dladosure toThhd Parties • MAC, ACH and SST -PSECU will disdase information about your account to Nkd paNes: (1) when k is necessary ro complete transactions: (2) to verity the existence aril standing of your account wkh PSECU upon request of Nird pony, such as a credk bureau; (3) ro compty with govemmeM agency or court orders; (4) in aCCOrdarrc9 with your wMten permission: (5) ro compty wkh govemmeM or atlministretive agency summonses, subpoenas, or coon orders; (8) on receipt of cettlikstlon hom a Faders{ Agency w deparhnent Nat a request for krfortnagon Is b canpliance wNh the RIgM ro Flnanelal Pnvaoy Act q 1976; ant (n when n Is necessary to take legal action ro recover shdres. t.~aptgga: rwnas rraLL*.Tel,..a1BSe.Pflf@ROt0at a(M(,~tfianon ^.E",Dra6;losure (oarllnrred) 10. MONEY ACCESS CENTER Services ° MAC Onty; You may use your MONEY ACCESS CARD wtth your Psrsorral lderrOfication Number (P1N) at MONEY ACCESS CENTERS located kr Delaware, Maryland. New Jersey and Pennsylvania ro conduct arty of the rdkaWng hsursadierrs is Ore 9oWirnt9 accessed by your MONEY ACCESS CARD. a) oetemrine are aowum balarwa{s) of y«u cnacang your aegufa~ shares. antl your Personal Service Loan (PSL). b) wNrdmw cash ham your Checking arW ycur Regular Shares. c) Make a cash advance from your Personal Service Loan (PSL). tl) Depostt rwrrerrq, cheats, or drafts (coins are Trot acceptable) for transmission to PSECU for deposk an your Checking end your Regular Shares. NOTE: There are finked locations in MarylarW where deposits may be made. We wish to inform you that some MONEY ACGESS CENTERS acated in these areas may only provide access ro your Cheddng,your Regular Shares, and your Personal Service Loan. Not all MONEY ACCESS CENTERS may except deposits. There may also f>e links on the ajnount of funds which you may depostt in certakr MONEY ACCESS CENTERS. 11.PLUS SYSTEM•SerWeea MAC Onty -You may use your MONEY ACCESS CARD with your Personal Idenkficatbn Number (PIN) at any PLUS SYSTEM automated teller machine (PLUS SYSTEM ATM) keeled throughout Ora Unked States, Puerro Rico, Canada, Great Bdtain era Japan ro Doodad any of Ore rollowing hansadions on Ore acceuMS accessed by your MONEY ACCESS CARD. a) Determine the account balance(s) of your Cheating, your Regular Shares, and your Personal Service Loan (PSL). b) wrthdmw cash from your Checking and your Regular Shares. c) Make a cash advanoa from your Personal Service Loan (PSL). NOTE: Deposits are not available through PLUS SYSTEM ATMs. These are the MONEY ACCESS CENTER services currentty available through Ora PLUS SYSTEM nehnork.Olher services may be o6ered in Ore future. /2. HONOR• System SerWCes MAC Only -You may use your MONEY ACCESS CARD with your Personal Werrlifiration Number {P1N) at arty HONOR automated feller machine (HONOR ATM) locaurd throughout Flodda and other areas where Orer>3 are HONOR ATMs. The fdrowing transactions may be done on the aCCOUhis accessed by your MONEY ACCESS CARD. a) Determine Ore amount balance(s) of your Cheating, your Regular Shares, and your Personal Service Loan (PSL). b) Wdhdraw cash ban your Checking and your Reguar Shares. c) Make a cash advance from your Personal Service Loan (PSL). NOTE: Deposits are not available through HONOR SYSTEM ATMs. These are the MONEY ACCESS CENTER services arrentiy available through tla HONOR SYSTEM network. Other services may be offered in the future. 13.Odrer ATM Network Access MACOnly-From time to flme. PSECU may make arrengemems with other ATM networks to grem amass to MONEY ACCF~S CARDS. PSECU shall inform you when such arrangements are made and describe the services that are available ro you. Any charges wtil also be descdbad. 14. Purchase Transactions MAC Onty-You may use Ore MONEY ACCESS CARD ro purchase goods antl services (7urchase~ at any reta0 establisnmem (~Aergremy where MONEY ACCESS CARDS are acoapted by such Merohant The amount of a5 such Purchases will be dedudad from your Checking. When you make a Purchase using Ore MONEY ACCESS CARD, you wtil be requesting PSECU ro withdraw funds from your Cheating in the amount of the Purchase antl Erecting PSECU ro pay these lands ro such Meroham. 15. Umftatlona on Ore Use of your MONEY ACCESS CARD MAC Only-You may witiidrew up to 5500 per day from are a a combination of your amounts by using a MONEY ACCESS CARD provided Ore funds are availabe at a MONEY ACCESS CENTER, PLUS SYSTEM or HONOR System ATM. M atlEtion, you may wkhtlrewlpurdrasa up ro tS00 at pant of sale locations. PSECU reserves Ore right ro reduce Orin deity rank et arty tlme. In tla event tlrat your deity IimN is toss than 5500, PSECU will advise you of the new timflation.The day ror wttfrdrewal limits starts at 12 midnight each day and ends at 12 midnight Ore nett day for security purposes, there are also certain deity limitations on Ore frequency of use d Ore MONEY ACCESS CARD. However, tltese limitations are nd revealed ror sewrky reasons. The Pennsylvania State Employees Credh Union is not obliged to maintain Saar limkatlons. You will be dented use o(your MONEY ACCESS CARD ti you exceed the daily wfthdrewaVpurdiase limtt, N you do rat have adequate funds available in your amount, do rat enter the correct Personal Identificatron Number (PIN), or exceed Ore trequerrcy of usage limitation. The receipt provided by the MONEY ACCESS CENTER, PLUS SYSTEM, or HONOR System ATM, or Merchant lermkral witi ratify you d the denial. There Is a limit on Ore rwmber of such denials permitted. Attempts ro exceed me timtt wkl result in machine retentlon of our MONEY ACCESS CARD. The nrrmber„d aftempts that result in madrine retention Is Ild reveaktl for BaCUdty WrP~es- 16. Ercor Reaoludon Procedures V MAG ACH end SST - In case of ertdrs er quesll®ns about your twtrsadiong: ' Dlred Inquides to PSECU at ((i0o) 237-7328Na0gtwkle, Tpp (e0g) 4721567 Nalbnwitle, (117) 7TT-2100 in Hardshurg, a wrke PSEW ak Pennsylyanie State Employees Credtt Union, P.O. Box 67013, ffa^isburg, ('A 17106.7013, ~ soon as you can k you Mkrk your atatemem M receipt N, wrong, M k yqt 118etl more inrorrrration about a transackan fisted on the statemem or receipt PSC-CU '.. must hear from you no later tlran 60 days after k sem you the flret statement an '. whidr tla problem or error appeared.You must provide the following krfortnatbn: (a) Your name, account mrmbaG and MONEY ACCESS CARP number (d g MAG transaction), or re(ererrce number ('d SekService Telephone Tmnsacgon); (b) Describe the error or Ore harrsadion you are.unsure about, and ex}11e1n as dearly asyou can whyyou believe k is an error or why you need the Nrortrration, and; (c) The dotiar amount of the srupeded error. If you tell PSECU orelty, you must send your canplaint or question in orating within 10 business days. PSECU wtil tell you the results d the Irwestlgadon within to business days for MONt~ CACCESS CENTER, PLUS SYSTEM, HONOR SYSTEM, SELF-SERVICE HONE, or DIRECT DEER/CREDIT TRANSACTIONS, or 20 days ror MONEY ACCESS CENTER purchase transactions. If we need more Ome, however, vre may lake up ro 45 days for MONEY ACCESS CENTER, PLUS SYSTEM, HONOR SYSTEM, SFa.F- SERVICE TELEPHONE, or DIRECT DEBR/CREDff TRANSACTIONS or 90 days ror MONEY ACCESS CENTER purchase hansacdars. If PSEW decides ro do this, k will recredrt your account within 10 business days rorOre amount you think Is M error N k is a MONEY ACCESS CENTER, PLUS SYSTEM, HONOR SYSTEM, SELFSERVICE TELEPHONE, or DIRECT DEBIT/CREDIT lrensacUon, or 20 business days k k is a MONEY ACCESS CENTER purchase transar%ion. You will have the use of Me money during the time k takes ro complete the imestigafion. k PSECU does rat receive your compWm or question in orating witirin 10 business days, PSECU may not.aaaedil your account. It PSECU decides there is no error, you will be advised within three business days after the investigation is cempletetl.You may ask for copies of the documents PSECU used in the 7mesOgation. O PSECU credits your account while krvestigating, you must repay those funds k PSECU cendudes no error has adxrrred. NoOceTo Consumers Using ATM's Be alert to your surroundings. If you doubt the safety of a particuWr kaation,- choose another ATM. If the ATM has an entry door, dose the door prior to Inttiating your aansadion_ Put your cash away irtrmediatety. Dired complaints coriceming ATM security to an appropriate departrnem of the owner of the ATM. New Jersey residents: you rosy call the New Jersey Department of Banking at (609) 292-7272. For those members who purchase a vehicle under the DRIV Program, please review the following FTC Notice: NOTICE ANY HOLDER OFTHIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WiTH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BYTHE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BYTHE DEBTOR HEREUNDER. -~;,,»wn,4z iiMl'R Ei i'°*:'a~:u., ~~a~ tip-~,~s:,ybvagw+mnwf".. _ _... -,~.,a,F,;.,~:. 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H ~CW 7 O O~E 00 aa~ °~~~ s €,`m e~ ~ ~~~`go~ ~ a~~ ~~ o He ° $c 9 `W 8 3 m n ~ ~NNeNmnmwa~~~~~m,n.,m'°giFp ~'e°i e"3 Ri nN n Ri Fi o~ ~ Wsa~~a_8 o«B n c _ °~ 01 m ~~ ° ~~~EW~ c ~°E ~ ~ m ~ a ~ ~ 8 g ~ ~ $ ~CF v m ~ W LN O .'t SN~ 8 c ~a'~~x~ F3 ~Egac r oaE~~„ B °ES;° ~ ~ ~~=~g8 ~ W~~~ ~ G ~QaE^~g. ~ ~Egp ~`J m~ Cm ~ m m W~ b v v ~v~rs5_= a aS.gS Account 0262791465 Loan 01: CHARGED OFF.BANKRUPT PSL LOAN Transaction Summar05/25/2001 ID Eff Date Transaction Balance Chg 1nUPnlty Fees New Balance DescriptionlPmt L 01 10/13/2000 Advance Transfer 62.76 0.00 0.00 19,699.92 To Share 04 L 01 10/12/2000 Advance Transfer 67.95 0.00 0.00 19,637.16 To Share 04 L 01 10/12/2000 Transfer Payment 0.00 68.58 0.00 19,569.21 From Share 04, Pmt: 6... L 01 09!11/2000 Transfer Payment 0.00 20.00 0.00 19,569.21 From Share 04, Pmt: 2... L 01 08/21/2000 Advance Transfer 34.98 0.00 0.00 19,569.21 To Share 04 L 01 08/11/2000 Transfer Payment 0.00 20.00 0.00 19,534.23 From Share 04, Pmt: 2... L 01 08/10/2000 Transfer Payment 0.00 20.00 0.00 19,534.23 From Share 04, Pmt: 2... l 01 08/04/2000 Advance Transfer 400.00 0.00 0.00 19,534.23 To Share 04 L 01 07/28/2000 Advance Transfer 700.00 0.00 0.00 19,134.23 To Share 04 L 01 07/20/2000 Advance Transfer 2,500.00 0.00 0.00 18,434.23 To Share 04 L 01 07/14/2000 Advance Transfer 500.00 '0.00 0.00 15,93423 To Share 04 L 01 07/12/2000 Advance Transfer 500.00 0.00 0.00 15,434.23 To Share 04 L 01 [07/11/2000] Advance Transfer 32.16 0.00 0.00 14,934.23 To Share 04 L 01 (07111 /2000] Advance Transfer 3.96 0.00 0.00 14,902.07 To Share 04 L 01 07/11/2000 Advance Transfer 37.31 0.00 0.00 14,898.11 To Share 04 L 01 07/11/2000 Transfer Payment -83.17 116.83 0.00 14,860.80 From Share 04, Pmt: 2... L 01 07/05/2000 Advance Transfer 2,000.00 0.00 0.00 14,943.97 To Share 04 L 01 06/21/2000 Advance Transfer 3,000.00 0.00 0.00 12,943.97 To Share 04 L 01 06/15/2000 Transfer Payment -18.43 181.57 0.00 9,943.97 From Share 04, Pmt: 2... L 01 05/03!2000 Advance Transfer 88.13 0.00 0.00 9,962.40 To Share 04 L 01 05/01/2000 Advance Transfer 500.00 0.00 0.00 9,874.27 To Share 04 L 01 04/24/2000 Transfer Payment -94.42 45.58 0.00 9,374.27 From Share 04, Pmt: 1... L 01 04/2412000 Advance Transfer 1,000.00 0.00 0.00 9,468.69 To Share 04 L 01 04/17/2000 To FLATHMANN,SUZANN 0189525516 S hare 01 L 01 04/1.7/2000 Advance Transfer 1,500.00 0.00 0.00 8,468.69 L 01 04/0712000 Transfer Payment -17.42 42.58 0.00 6,968.69 From Share 01, Pmt: 6... L 01 03/29/2000 Advance Transfer ._ 5,000.00 v 0.00 0.00 6,986.11 To Share 04 L 01 02/29/2000 Audio Transfer Payment -189.88 10.12 0.00 1,986.11 From Share 04, Pmt: 2... f_ 01 02/22/2000 Advance Transfer ~ 500.00 0.00 0.00 2,175.99 To Share 04 L 01 02/14/2000 Advance Transfer 900.00 0.00 0.00 1,675.99 To Share 04 L 01 02/14/2000 Transfer Payment -11.37 8.63 0.00 775.99 From Share 04, Pmt: 2... L 01 ~ 01/14/2000 Audio Transfer Payrherit -13.59 6.41 0.00 787.36 From Share 04, Pmt: 2... L 01 01/13/2000 Advance Transfer J8.49 0.00 0.00 800.95 To Share 04 L 01 12/20/1999 Audio Transfer Payment -.12.03 7.97 0.00 722.46 From Share 01, Pmt: 2... L 01 12/14/1999 Advance Transfer 89.46 0.00 0.00 734.49 To Share 04 L 01 12/13/1999 Advance Transfer 145.03 0.00 0.00 645.03 To Share 04 L 01 11/08/1999 Advance Transfer 500.00 0.00 0.00 500.00 To Share 04 L 01 07/09/1999 Transfer Payment -2,193.34 27.78 0.00 0.00 From Share 01, Pmt: 2... L 01 06/09/1999 Advance Transfer 1,000.00 0.00 0.00 2,193.34 To Share 04 L 01 06/08!1999 Advance Transfer 112.31 0.00 0.00 1,193.34 To Share 04 L 01 - 06/07/1999 Advance Transfer 28.49 0.00 0.00 1,081.03 To Share 04 Page 1 ~ ~ t~- ~ 4 y ~ ~~ G w~ ~~ `~ - =~ ; :1., ,,., -' o ~;~, _~ ~~.~i~ ~~ t SHERIFF'S RETURN -.REGULAR ' CASE NO: 2001-04956 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PENNSYLVANIA STATE EMPLOYEES VS FLATHMANN SUZANNE E BRYAN WARD Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE THMANN SUZANNE E was served upon the DEFENDANT at 0920:00 HOURS, on the 30th day of August 2001 at 1200 KINGS CIRCLE MECHANICSBURG, PA 17055 by handing to SUZANNE FLATHMAN 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 18.00 Service 8.45 Affidavit .00 Surcharge 10.00 .00 36.45 Sworn and Subscribed to before me t(~his J3 ~ day of APT-~«~iu. 02oa/ A.D. rothonotary So Answers: ~~~ R. Thomas Kline 08/31/2001 METZGER WICKER HAM /~~ ~ I Depu Sheriff .,, ~~~