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Home My WebLink About01-06010 L' -' i ~ U ~t",m$IJ&~b,"" SHERIFF'S RETURN. REGULAR CASE NO: 2001-06010 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND SUSQUEHANNA VALLEY FEDERAL VS ANDERSON DENISE M ET AL DOUGLAS DONSEN Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon ANDERSON DENISE M F/K/A DENISE M SZYMCZAK the DEFENDANT , at 2030:00 HOURS, on the 5th day of November, 2001 at 330 S WASHINGTON ST ME CHAN I CSBURG , PA 17055 by handing to DENISE ANDERSON a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 11.70 .00 10.00 .00 39.70 So Answers: 1'~~J R. Thomas Kline Sworn and Subscribed to before 11/06/2001 KNUPP KODAK IMBLUM ByQ.Q~ff me this /3~ day of ~d;,;.z",,1 A.D. P 0 hon[ta~' ~ ~ -~~~- - , ^~; SUSQUEHANNA V ALLEY FEDERAL CREDIT UNION, : IN THE COURT OF COMMON PLEAS Formerly Known As WEST SHORE TEACHERS FEDERAL: CUMBERLAND COUNTY, PENNSYLVANIA CREDIT UNION Plaintiff v. : NO. Cl- bC>/O C?lu~l <-y-~ DENISE M. ANDERSON f/kIa DENISE M. SZYMCZAK : CIVIL DIVISION - LAW Defendant NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIM 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 AN 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 HA VB 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 TWO LIBERTY AVENUE CARLISLE P A 17013 (717) 249-3166 .' ~ l'wi<Im~~Jr.- .; SUSQUEHANNA VALLEY FEDERAL CREDIT UNION, IN THE COURT OF COMMON PLEAS Formerly Known As WEST SHORE TEACHERS FEDERAL: CUMBERLAND COUNTY, PENNSYL VANIA CREDIT UNION Plaintiff v. : NO. 01 - bDI(J CI~~l T~""\. DENISE M. ANDERSON flk/a DENISE M. SZYMCZAK Defendant CIVIL DIVISION - LAW COMPLAINT The Plaintiff, SUSQUEHANNA VALLEY FEDERAL CREDIT UNION, Formerly Known As WEST SHORE TEACHERS FEDERAL CREDIT UNION, by its attorneys, KNUPP, KODAK & IMBLUM, P.C., brings this action of Assumpsit against the Defendant to recover the sum of TWELVE THOUSAND, THREE HUNDRED THIRTY-FOUR DOLLARS AND NINETY-FOUR CENTS ($12,334.94), along with interest thereon at the rate of 13 .50% per annum from October II, 200 I, upon a cause of action of which the following is a statement: I. The Plaintiff, SUSQUEHANNA VALLEY FEDERAL CREDIT UNION, is organized and existing under Federal laws, having its principal office and place of business at 1213 Slate Hill Road, Camp Hill, Cumberland County, Pennsylvania 17011, and was formerly known as WEST SHORE TEACHERS FEDERAL CREDIT UNION. 2. The Defendant, DENISE M. ANDERSON, is an adult individual residing at 330 South Washington Street, Apartment 5, Mechanicsburg, Cumberland County, Pennsylvania 17055, and was formerly known as DENISE M. SZYMCZAK. 3. On or about October 2, 1992, Defendant did complete and execute Plaintiff's Loanliner Application to induce Plaintiff to extend credit to Defendant at various times and for various amounts. A true and correct copy of said Loanliner Application is attached hereto, marked as Exhibit "A" and made a part hereof. A:\27611COM.WPD:160ctOl . . ~ ..1.. ~",fu,'L ., 4. To further induce Plaintiff to extend credit to her, Defendant did also execute Plaintiffs Loanliner Credit Agreement. A true and correct copy of said Credit Agreement is attached hereto, marked as Exhibit "B" and made a part hereof. 5. Through extension of credit to Defendant by Plaintiff at various times and for various amounts, with the most recent extension of credit on or about January 3, 2001, as set forth on Plaintiffs Loan1iner Advance Request Voucher and Security Agreement hereto attached, marked as Exhibit "C" and made a part hereof, Defendant has created a principal balance due and owing in the amount of Nine Thousand, SiJ<: Hundred Eighty-Two Dollars and Thirty-Two Cents ($9,682.32), as set forth in Plaintiffs Statement of Account hereto attached, marked as Exhibit "D" and made a part hereof. 6. Due to Defendant's default in payment of said amount due and owing as aforesaid, interest has been added to said account in the total amount of Five Hundred Thirty-Seven Dollars and Thirty-Two Cents ($537.89), as shown on Exhibit "D" attached hereto and made a part hereof. 7. Due to Defendant's default in payment of said amount due and owing as aforesaid, and pursuant to the terms and conditions found on Plaintiffs Exhibits "A", liB" and "e", attorney's fees have been added to said account in the total amount of Two Thousand, One Hundred Four Dollars and Seventy-Three Cents ($2,104.73), as set forth on Plaintiffs Exhibit "D" attached hereto and made a part hereof. 8. The balance due and owing by Defendantto Plaintiff is the sum of Twelve Thousand, Three Hundred Thirty-Four Dollars and Ninety-Four Cents ($12,334.94), as appears by the Statement of Account hereto attached, made a part hereof and marked as Exhibit "D". 9. Plaintiff has frequently demanded payment from Defendant of said amount due and owing as aforesaid, but Defendant has refused and neglected and still refuses and neglects to pay said amount of any part thereof. A:\27611COM.WPD: 160ctOl 2 J.J.\>-_~""- WHEREFORE, Plaintiff brings this suit to recover from Defendant the sum of TWELVE THOUSAND, THREE HUNDRED THIRTY-FOUR DOLLARS AND NINETY-FOUR CENTS ($12,334.94), along with interest thereon at the rate of 13.50% per annum from October 11,2001. Respectfully submitted, Robert D. Kodak 407 North Front Street Post Office Box # 11848 Harrisburg, PAl 71 08-1848 (717) 238-7151 Attorney ID No. 18041 Attorney for Plaintiff A:\27611COM.WPD:160ctOl 3 ~ AppUcation HOW TO APPLY 1 NOTE AND COMPLETE ft~ WEST SHORE TEACHERS FEDERAL CRED" LJNI~N I '_M, 1213 Slate Hill Road Camp Hill, PA 17011 (717) 737-4"152 "',': ," ',',,', ",":,:',:"'^':"; ~,:P"I~ase Gomple~e' :red~:seCitbn~,~~ e-'Sign,secti(;m9L:>,':,'::-::/ _,: ,,'^'^'" . Return this appli"",tionto,lI1e Check the appropriate boxes to indicate the type of account(s) and type of credit for which you are applying. Married Applicants may apply for a separate account. o LOANLINER@ Account/Loan o Credit Card Account o Individual Credit: ~ompl~te ~pplicant se<:tion. Complete Co-Applicant, Spouse, Guarantor (referred to as "Other") section: (1) about your spouse If you live <n a commumty property state (AZ, CA, 10, LA, NM, NV, TX, WA, WI), or (2) if your spouse will use the Account, or (3) If there IS a guarantor on this account. Please check box to indicate whom the information is about o Joint Credit: Provide information about both of you by completing Applicant and Other section. . You REQUEST AN ADVANCE OF $ Purpose: Collateral: Repayment: 0 Payroll Deduction 0 Cash 0 Automatic Payment 0 Military Allotment 0 STATEMENT OF INTENT o Credit Disability Insurance Check cQverage(s) desired. The credit union will disclose the cost of this voluntary insurance to you. ^ separate insurance election which discloses the terms and conditions must be signed for coverage to become effective. 2 APPLICANT INFORMATION ().~LS~V-> APPLICANT Please print In ink or type. NAME (Last - First -Initial) < )l","1rZfft.. [)em.re.. M DRIVER'S l!ICENSE NUMBER/8ThE 2-"2 '140 OLtd ACC~,,!, NUMBER I SO~IAL SECURITY NUMBER 't '/C)O IU(r~.r~i.f.~ BIRTH DATE HOME PHONE BUSINESS PHONE/EXT. l;?x e.1J- ~/;rh), (717) );,~tI'-':;),~jIJ1 d:1;;j.<i/i:lll PAESENT ADDRESS, (st~'- City - Sta~~ Zip) , ,>_:: 'c' O' oWN' D RENT 2~M~IS+OL,'C\;)~\fO?}foi~ss3 ' PREVIOUS ADDAESS.:($~~,:tity,',-}ta~ - Z1Pl, "',"" D OWN D RENT l~mNiYf!clCj6#~Cr7()12,,; c~~~~s/ Z. COMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU L.IVE IN A COMMUNITY PROPERTY STATE: D MARRIED 0 SEPARATED D UNMARRIED (Single - Divorced _ Widowed) LIST AGES OF DEPENDENTS NOT L1STEO BY OTHER APPliCANT (Exclude Self) o CO-APPLICANT 0 SPOUSE 0 GUARANTOR Use "SAA" if Information Is "Same As Applicant': NAME (Last - First - Initial) DRIVER'S LICENSE NUMBER/STATE ACCOUNT NUMBER I SOCIAL. SECURITY NUMBER BUSINESS PHONEI EXT. BIRTH DATE HOME PHONE ( l'r ';\;;1 PRESENT ADORESS ($~t,- Glty:~ _Staten';' Zip) D OWN 0 RENT YEARS AT THIS ADDRESS DOWN 0 RENT , ~ 0':,""<'" ',' ~'.<' :-n6(--'! { . ~",.";I" ,kC" '.'it I PREVIOUS ADDRESS (St~ -,City - ,State - Zip) .',,,-". YEARS AT THIS ADDRESS COMPLETE FOR JOINT CREDIT, SECURED CREDITOR IFYOU LIVE IN ACOMMUNlTY PROPERTY STATE: o MARRIED D SEPARATED 0 UNMARRIED (Single - Divorced - Widowed) LIST AGES OF DEPENDENTS NOT USTED BY APPUCANT (Exclude Self) 3 EMPLOYMENT INFORMATION $"(, \__ ~l5 D ,\ \'0 ~(f . MILITARY ENDING DATE IS DUTY STATION TRANSFER EXPECTED DURING NEXT YEAR 0 YES li!rNo WHERE ENDING/SEPARATION DATE NAME AND ADDRESS OF EMPLOYER : TITLE/GRADE SUPERVISOR STARTING DATE IF SELF EMPLOYED, TYPE OF BUSINESS IF EMPLOYED IN CURRENT POSITION LESS THAN FIVE YEARS, COMPLETE PREVIOUS EMPLOYER NAME AND ADDRESS STARTING DATE ENDING DATE IS DUTY STATION TRANSFER EXPECTED DURING NEXT YEAR 0 YES 0 NO WHERE ENDINGfSEPARATION DATE TELEPHONE 4 REFERENCES Please include Street, City, State and Zip. NAME AND ADDRESS OF CREDlTOR(S) OF DEBTS PAID OFF TELEPHONE l1/JtJd!.L '~?JI.mOLl K- NAME AND ADDRESS OF NEA ST RELATIVE Nor LIVING WITH YOU NAME AND ADDRESS OF CREDlTOR(S) OF DEBTS PAID OFF NAME AND ADDAESS OF NEAREST RELATIVE Nor LIVING WITH YOU E}f'HIBIT A. NAME AND ADDRESS OF PERSONAL FRIEi'fD -NOT A RELATIVE RELATIONSHIP HOME PHONE HOME PHONE ~~ ~~~<>O'~ ..."'~~. ~"'" ~,""~,..~"--""'~~tf~~'~~,-~~""""",,,,,,--> ~"""", ,~"""""~~'~'..""--.., 5 INCOMJ: INFORMATION" 6 ASSETS Check box for Applicant/Other. Ust all assets and account number(s)- Attach other sheets if necessary. m_".~'~ -.'~""_L~,<~ ,," ill"N"-~"'" NOTICE: Alimony, child support, or separate l'Qalntenance income neecl not be I revealed if vou do not choose to have It considered. ~p OYMENT INCOM~ qTI1ER INCOME~, . $, :317.<l' PER ISI.-WH.K.JI/ $ ,gS.= PER ~\ -lAl(>e(.Il{ ...: NET 0 GROSS SOURCE. NOTICE: Alimony child support, or separate r1;Ialnte'1ance income need not be reveale1:i If vou do not choose to have it considered. EMPLOYMENT INCOME OTHER INCOME $ ~ $ ~ o NET 0 GROSS SOURCE SHARE DRAFT OR CHECKING AMOUNT $ SAVINGS AMOUNT NAME AND ADDRESS OF DEPOSllORY I SHARE DRAFT OR ~HECKING AMOUNT SAVINGS AMOUNT $ NAME AND ADDRESS OF DEPOSllORY NAME AND ADDRESS OF DEPOSllOAY NAME AND ADDRESS OF DEPOSITORY $ APPLICANT LIST HOME AND ALL OTHER ITEMS YOU OWN AND LOCATION OF PROPERTY MARKET VAWE PLEDGED AS COLLATERAL arHElt"" " . For Example: Auto. Boat. SloclIs. Bonds, Cash, Houl9hold Goods, Real Estate, 9tC. FOR ANOTHER LOAN .., HOME $ YES NO $ YES NO ,'" $ YES NO T $ YES NO 7 DEBTS In addition to Rent/Mortgege list all other debts (for example, euto loans. credit cards, second mortgage, home assoc. dues, alimony, child support,child care, medical, utilities. auto insurance, etc.) Please use a separate line for each credit card and auto loan. Attach other sheets jf necessary. APPLICANT CREDITOR ACCOUNT ORIGINAL PRESENT MONTHLY IF PAST OTHER NAME AND ADDRESS NUMBER BALANCE BALANCE PAYMENT DUE""" , o RENT $ $ $ o MORTGAGE . (Incl. Tax & Ins.) $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ LIST ANY NAMES UNDER WHICH YOUR CREDIT REFERENCES AND CREDIT HISTORY CAN BE CHECKED $ $ $ TOTALS 8 FINANCIAL INFORMATION These questions apply to both Applicant and Other. APPLICANT OTHER IF A "YES" ANSWER IS GIVEN TO A QUESTION, EXPLAIN ON AN ATTACHED SHEET YES NO / V l./ v' ,/ V v' YES NO .,. , I,.' HAVE YOU ANY OUTSTANDING JUDGMENTS? HAVE YOU EVER FILED FOR BANKRUPTCY OR HAD A DEBT ADJUSTMENT PLAN CONFIRMED UNDER CHAPTER 131 HAVE YOU HAD PROPERTY FORECLOSED UPON OR REPOSSESSED IN THE LAST 7 YEARS? ARE YOU A PARTY IN A LAWSUlT? ARE YOU OTHER THAN A U.S. CITIZEN OR PERMANENT RESIDENT ALIEN? IS YOUR INCOME LIKELY TO DECLINE IN THE NEXT TWO YEARS? ARE YOU A CO-MAKER, CO-SIGNER OR GUARANTOR ON ANY LOAN NOT LISTED ABOVE? FOR WHOM (Name of Oth9fS Obligated on Loan): TO WHOM (Name 01 Creditor): 9 You understand that when applicable, a Personal Identification SIGNATURES Number (PIN) maybe issued. This PIN, when validated will allow you, If there are any the co.applicant and any authorized users, to access your credit im ortantch e union's CREDIT CARDIATM accounts through participating Auto- y~ will nor;ng s, mated Teller Machine (ATM) networks, subject to the terms and in writing i';'m~~i- disclosures of the Credit Card Agreement and the Electronic Funds ~tel You al Transfer Disclosure for CREDIT CARD/ATM Access Card. You agr~ to nor:; us understand that use of your credit card will constitute acknowl- of any change in edgment of receipt and agreement to the terms of the CREDIT yournam~ address CAR'O/ATM Access Card disclosures. or employment ~ ~ .. / within a reasonable X , ,{J/ U ~ /lV.A./L. tIme thereafter. f.PPU; AI';iT'S SIGNATYRE U You also promise that everything YOll have stated in this application is correct to the best of your knowledge and that the above information is a complete listing of all your debts and obligations. You authorize the credit union to obtain credit reports in connection with this application for credit and for any update, renewal or extension of the credit received. If you request, the credit union will tell you the name and address of any credit bureau from which it received a credit report on you. You understand that it is a federal crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to Federal Credit Unions or State Chartered Credit Unions insured by NCUA. X If!j-z.jq ;. 1':lATE OTHER SIGNATURE DATE 10 CREDIT UNION INFORMATION Do not write in this sectlori- for credit union use only, Check applicable box(es). , APPROVED $ $ DATE ~-_._- LIMITS SIGNATURE LINE OF CREDIT DLOAN OFFICER ADVANCE APPROVED: DYES ONO D CREDIT COMMITTEE OR OTHER 0 OUTSIDE INFORMATION CONSIDERED: REFERRED TOIREASON(S) FOR REFERRAL: $ $ OTHER OTHER DEBT RATIO o COUNTER OFFER WILL BE MADE, IF ACCEPTED, ADVANCE APPROVED DYES 0 NO IF YES, ATTACH ADDITIONAL SHEET AND DESCRIBE DESCRIBE COUNTER OFFER: SPECIFIC REASON(S) FOR REJECTION: SIGNATURES: DATE DATE _lOAN OFFICER = CREDIT COMM(riEE. x X X DATE x DATE , , .~ SUSQUEHANNA VALLEY FEDERAL CREDIT UNION 1213 SlaI8 HIlI Road C&mpHiU,PA 17011-8012 (717) 737-4152 - """"" 1OAN1I8@ CREDIT AGREEMENT HOW TO APPLY: - Read section 1 . Sign and complete sections 2 & 3 - Complete Credit Insurance Application & Schedule - Return this credit Agreement to the Credit Union - An incomplete or unsigned form may delay processing . You wilt receive your' copy of the Credit Agreement and insurance information IMPORTANT 1 CREDIT AGREEMENT AND TRUTH IN LENDING DISCLOSURE The following is part of your LOAN LINER Open-End Plan. Read this information before signing on page 2. Please see the accompanying Addendum for a This LOANLlNER Credit Agreement and Truth in Lending Disclosure will be referred to as "this Plan". "You" and "your" mean each person who signs this Plan. The "credit union" means the credit union whose name appears above or anyone to whom the credit union transfers its rights under this Plan. HOW THIS PLAN WORKS -- The credit union anticipates that you will borrow money (called advances) under this Plan from time to time. The credit union, however, is not required to make advances to you under this Plan and can refuse a request for an advance at any time. The Addendum describes the different types of credit (called sub- accountsl available under this Plan. If you have been approved for credit under a subaccount marked with a star (*), you will be given a specific credit limit for that subaccount. For other subaccounts you may not be given a specific dollar limit. PROMISE TO PAY -- You promise to repay to the credit union all advances made to you under this Plan and any applicable charges described in the Addendum together with interest on what you owe until the total amount has been repaid. The interest rate depends on the subaccount under which the advance is made. The Addendum shows the current interest rates as daily periodic rates and their corre- sponding annual percentage rates. If the interest rate for any or all advances is a variable interest rate, the Addendum explains how the variable interest rate works. PAYMENTS n The amount of payments for an advance is determined according to the payment schedule in the Addendum. Payments are due on the last day of each month unless a different date is set by the credit union at the time of an advance. If the Addendum has no payment schedule for a sub- account, the amount and due date of payments will be determined at the time of each advance. ' Payments must include any amount past due and any amount by which you have exceeded any credit limit you have been given for a subaccount. You may prepay all or part of what you owe at any time without any prepayment penalty. COST OF CREDIT -- The dollar amount you pay for money borrowed is called a finance charge and begins on the date of each advance. To compute the disclosure of your various Subaccounts, Present Annual Percentage Rates, Daily Periodic Rates and any additional information. finance charge, the unpaid balance for each day since your last payment (or since an advance if you have not yet made a payment) is multiplied by the applicable daily periodic rate. The sum of these amounts is the finance charge owed. The balance used to compute the finance charge is the unpaid balance each day after payments and credits to that balance have been subtracted and any new advances have been added. A finance charge will be computed separately for each separate balance under this Plan. SECURITY INTEREST -- You agree that all advances under this Plan will be secured by the shares and deposits in all joint and individual accounts you have with the credit union now and in the future. Additional security will be required depending on the subaccount under which an advance is requested. For example, a subaccount called "New Car Advances" means the security will be a new car. Shares and deposits in an Individual Retirement Account and any other account that would iose special tax treatment under state or federal law if given as security are not subject to the security interest you have given in your shares and deposits. Property given as security under this Plan or for any other loan will secure all amounts you owe the credit union now and in the future. However, for advances made under this Plan, the credit union specifically waives any security interest it may have in your dwellings given through any other mortgages or security agreements. DEFAULT -- You will be in default if you do not make a payment of the amount required when it is due. You will be in default if you break any promise you made under this Plan or if anyone is In default under any security agreement made in connection with an advance under this Plan. You will be in default if you die, file for bankruptcy, become insolvent, if you make any false or misleading statements in any credit application or update of credit information. or if something happens which the credit union believes may substantially reduce your ability to repay what you owe. When you are in default the credit union can demand immediate payment of the entire unpaid balance under this Plan without giving you advance notice. If immediate payment is demanded. you will continue ~XHIBIT B (Continued) @CUNAMUTUALINSURANCESOCIETY, 1980,82,84,86,89 ALL RIGHTS RESERVED CREDIT UNION COpy BPA67A (LASER) 6849LL :1~!iIIleli:I:t.Iil;I"d_l<,iJjilj~W~i0J;\,~-","lliill;<ii'fll4ls.\~lii.t,Jl~Oi#""""""-"""'J".l;l!l;-dli.~~i.I:~~Iili!I'-j Susquehanna Valley Federal Credit Union Denise MAnderson .~...._~ =1 Da~e 09/05/20iiO'1 1 CREDIT AGREEMENT AND TRUTH IN LENDING DISCLOSURE Continued to pay interest, at the applicable interest rates in effect under this Plan, until what you owe has been repaid. If a demand for immediate payment has been made, the shares and deposits given as security for this Plan can be applied towards what you owe. The credit union can also exercise any other rights given by law when you are in default. PROPERTY INSURANCE -- You will be required to purchase property insurance on certain types of security that you give for advances. You may purchase the property insurance from anyone you choose that is acceptable to the credit union. CANCELLING OR CHANGING THIS PLAN -- The credit union has the right to change the terms of this Plan from time to time after giving you any advance notice required by law. Any change will apply to future advances, and at the discretion of the credit union, and subject to any requirements of the applicable law, will also apply to unpaid balances. An increase in the daily periodic rate under a variable interest rate is not considered a change in terms under this Plan. The credit union can cancel the entire Plan or any part of this Plan at any time. You can cancel this Plan at any time. Your obligation to pay the unpaid balances under the terms of this Plan continues whether you or the credit union cancel this Plan or any part of this Plan. STATEMENTS AND NOTICES -- On a regular basis you will receive a statement showing all transactions under this Plan during the period covered by the statement. Statements and notices will be mailed to you at the most recent address you have given the credit union in writing. Notice to anyone of you will be notice to all. JOINT ACCOUNTS -- If this is a joint account, each of you authorizes the other(s) to get advances individually under this Plan. That means an advance can be made upon the request of only one of you and that the check can be issued to only one of you. If you give inconsistent instructions, the credit union can refuse to follow your instructions. Each of those who sign this, Plan will be individually and jointly responsible for paying the entire amount owed under this Plan. That means the credit union can enforce its rights under this Plan against anyone of you individually or against all of you together. UPDATING INFORMATION -- You promise that you will promptly give the credit union written notice if you move, change your name or employment, or if any other information you provided to the credit union changes. You also agree to provide the credit union updated financial information about yourself upon request. The credit union can delay enforcing any of its rights any number of times without losing its rights. If the law makes any term(s) of this Plan unenforceable, the other terms will remain in effect. 2 It is important that you read all the provisions of the SIGNATURES Credit Agreement and Addendum thoroughly before Cd1~I~~~ ,~dt~ C)hL~ you sign below. You have read the LOANLlNER Credit Agreement and by signing below, you agree to be bound by the terms of the agreement. X OTHER SIGNATURE DATE 3 CREDIT UNION INFORMATION 09/05/2000 DATE [X] lOAN OFFICER o CREDIT COMMITTEE OR OTHER Rf:FERRED TO/REASON(Sl FOR REFERRAL: APPROVED $ LIMITS 41.10900 % OTHER OTHER DEBT RATIO o COUNTER OFFER WILL BE MADE, IF ACCEPTED, ADVANCE APPROVED 1XI YES 0 NO IF YES, ATTACH ADDITIONAL SHEET AND DESCRIBE " M.....cn~,.<~, _,", ._m,.,=",'c, ...,-_""""',",,,,",,, ~ ,~", _ ..'~,~_''''''",=.,,~,,~ DATE DATE x x DATE SIGNATURE LINE OF CREDIT ADVANCE APPROVED: [KJ YES 0 NO OUTSIDE INFORMATION CONSIDERED: DI:.SCRIBE COUNTER OFFER: Sf:lECIFIC REASONISl FOR REJECTION: SIGNATURES: o LOAN OFFICER o CREDIT COMMITTEE X [] ECOA NOTICE AND REASON FOR REJECTION SENT OR DELIVERED ON x (DATE) BY (INITIALS) DATE L. CREDIT UNION COPY BPA67A(LASERJ 6849ll " -~,"" ~~,- _.~- - ~ SUSQUEIlAHNAVALLEY FEDERAL CREDIT UNION 1213 SIBIB HID Road Camp Hili, PA 17011-8012 (717) 737-4152 CREDIT INSURANCE You can protect your financial future by signing up for voluntary credit insurance below. Enroll by simply indi- cating your preference in the "Credit Insurance Application" ~~u '... ~~i -~ ~~.""O~.J'i.S'M,*~;"" IOMUNa section below. Your credit union will be happy to explain the various insurance options and coverage. The cost is reasonable. CREDIT INSURANCE APPLICATION & SCHEDULE "You" or "Your" means the member and the joint insured (if applicable). Credit insurance is voluntary and not required in order to obtain your loan. You may select any insurer of your choice. You have established an open-end Loan Plan with the Credit Union. Your Loan Plan may consist of one or more Loans. You are applying to the Society for credit insurance. You authorize the charges for insurance to be added to your Loan Balance each month and understand that interest will ft. CUNA MUTUAL GROUP CVN4. Mutual Insurance SOciety P.O. Box 391 . 5910 Mineral Point Road Madison, WI 53701-0391 Phone:800f937-2644 accrue on these charges the same as it accrues on amounts of advances which are added to your Loan Balance. DO NOT SIGN THIS APPLICATION IF IT CONTAINS ANY BLANK SPACES. This application is void and will not be used in a contest if all blank spaces have not been cOl11pleted, if the member has not signed and dated the Application, and if the Application has not been witnessed. INSURED ME.MBER O;..TE OF BIRTH DATE OF ISSUE OF CERTIFICATE. Denise MAnderson JOINT INSURED MEMBER 08/15/1972 DATE OF BIRTH A.CCOUNT NUMBE.R 8400 09/05/2000 ACCOUNT NUMBER SECONDARY BENEFICIARY (If you desire to name one) , UNOER CREOIT LIFE ANO DISABILITY, THE MAXIMUM ELIGIBILITY AGE FOR COVERAGE IS 65 WITH NO TERMINATION AGE REQUIREMENT. THE FOLLOWING STATEMENTS MADE BY YOU ARE REPR,ESENTATlONS AND ARE TRUE TO THE BEST OF YOUR KNOWLEDGE AND BELIEF: , CREDIT DISABILITY INSURANCE YES NO COVERAGE SELECTED PREMIUM SCHEDULE SEE SEPARATE RATE SCHEDULE X SINGLE CREDIT DISABILITY ON THIS DATE. ARE YOU PHYSICALLY WORKING FOR A X SALARY OR WAGES A MINIMUM OF 25 HOURS A WEEK? ARE YOU MAXIMUM AGE X UNDER AGE...QL.? FOR INSURANCE NONE' MAXIMUM MONTHLY TOTAL DISABILITY BENEFIT $ 600.00 If you are totally disabled for more than benefit will begin with the 15th 14 days. then the disability day of disability. DATE CREDIT LIFE INSURANCE YES NO COVERAGE SELECTED COST PER $100 OF YOUR X SINGLE CREDIT LIFE MONTHLY LOAN BALANCE $ .057 COST PER $100 OF YOUR X JOINT CREDIT LIFE MONTHLY LOAN BALANCE $ .099 ARE YOU MAXIMUM AGE X UNDER AGE 65 ? FOR INSURANCE NONE' MAXIMUM INSURABLE BALANCE PER LOAN ACCOUNT NESS X {!~, APP, 801-Q186PA 'DATE 7 b1) X DATE WITNESS Il X (~(l. APP. 811~0786PA' C/-J-Cc; //'/ I I ,;/ - ~" "-' -~,,,,,,,,,,,,.k'-f:\'<" /@ SUSQUEHANNAVALLEY FEDERAL CREDIT UNION 121351ate HIli Road Camp Hill. PA 17011-8012 (717) 1374152 ICMII_ 1 MEMBER INFORMATION DAlE 01/03/2001 MEMBER NAME (LASTl Anderson, Denise M Advance Request Voucher and Security Agreement MEMBER ACCOUNT NUMBER 8400-5 (FIRST) {INITIAL) SOCIAL SECURITY NUMBER 166-56-3450 HOME TELEPHONE NUMBER (717)-791-9956 PURPOSE/LOAN SUBACCOUNT DESCRIPTION Other ADDRESS DATE WANTED 330 S. washington St. Apt #5 CITY 01/03/2001 YOU REQUEST THE FOLLOWING ADVANCE SUBJECT TO THE TERMS AND CONDITIONS OF YOUR l.OANLlNER CREDIT AGREEMENT $ 1,779.42 STATE ZIP CHECK BOX IF NEW ADDRESS OR PHONE NO. SECURiTY OFFERED {IF ANY} Signature Mechanicsburg, PA 17055 2 CHANGES SINCE LAST ADVANCE LIST ALL DEBTS: (I.e. Rent, Mortgage, Auto, Credit Cards, Credit Union, AlimonV, etc,} ATTACH ADDITIONAl. SHEET IF NECESSARY SE ARATED MARITAL S ATUS. 00 NO C MPLETE IF PPL YING F R I OIVIOUAL UNS URED CREDIT UNLESS YOU RESIDE R ARE RELYING UPON PROp~RTY IN A COMMUNITY PROPEATY STATE (AZ, CA, 10, LA, NV, NM, TX, WA, WI). IF YOU ARE ORKING, NAM AND ADORES F NEW MPI.OYER NEW POSITION DA EHR 0 HEALTH CENTRAL 2605 INTERSTATE DRIVE HARRISBURG, PA 17110 CLAIMS PROCESSOR 11/17/1997 PHONE NO. (717)~651-6052 MONTHLY SALARY $; 3,633.33 NOTICE: YOU DON'T HAVE TO INCLUDE INCOME FROM CHILD SUPPORT, SEPARATE SOURCE OF OTHER INCOME MAINTENANCE, OR ALIMONY UNLESS YOU WANT THE CREDIT UNION TO CONSIDER IT. ~rxl GROSS OTHER MONTHLY INCOME $ 3 SECURITY QFFERED IN ADDITION TO THE PLEDGE OF SHARES IN YOUR lOANLlNER CREDIT AGREEMENT, THE FOLLOWING PROPERTY SECURES THE ADVANCE: MODEL YEAR 10 NUMSER TYPE VALUE PROPERTY SIGNA TU~E 0000 , , , OTHER lOESCRISE) YOUR CREDIT UNION SHARES PLEDGE OF SHARES $ . ACCOUNT NOIS}. PRIMARY USE OF PROPERTY: PURCHASE MONEY: YES 4 PAYMENT TERMS FARMING KEY NO: LOCATION OF PROPERTY: DAILY PERIODIC RATE ANNUAL PERCENTAGE RATE INTEREST RATE IS; OTHER CHARGES (DESCRIBE} LOAN LIMIT $ .00 .036986% % 13.50000 % V ARIASLE $ .00 minus AMOUNT A PROVED OTHER CHARGES PREV. \..OANUNER BALANCE OTHER LOANS NEW SALANCE (THIS SUBACCOUNT) , 1,779.42 + N/A 1,779.42 + $ 8,220.58 + $ N/A 10,000.00 CURRENT PAYMENT equals DATE DUE PMT. AFTER ADVANCE DATE DUE PMT. FREQUENCY TOTAL PMT. ALL ACCTS. REMAINING LIMIT $ N/A N/A 240.22 02/05/2001 M $ Your term wiLL be approximateLy 60 payments, which may be more or less, depending on whether you prepay, have late payments, or insurance is added, etc. 5 SIGNATURES SIGN BELOW BY SIGNING BELOW OR UNDER THE ENDORSEMENT ON THE ADVANCE PROCEEDS CHECK YOU AGREE: IF YOU ARE NOT A . TO MAKE AND BE BOUND SY THE TERMS OF THE SECURITY AGREEMENT. BORROWER BUT AN . THAT EVERYTHING IN SECTION 215 A COMPLETE USTING OF ALL YOUR DEBTS AND OBUGATIONS. OWNER OF THE . THAT TtlE CREDIT UNION WILL RELY ON THE INFORMATION IN SECTION 2 TO MAKE A DECISION ON THIS ADVANCE. COlLATERAL, SIGN . TO MAKE PAYMENTS AS DISCLOSED IN SECTION 4. BELOW AND CHECK THE . TO THE TERM{S) DISCLOSED BELOW IF ANY ONE OR MORE ITEMIS) ARE CHECKED. APPLICABLE BOX. YOU ARE PLEDGING SHARES FOR THE AMOUNT X HE CHANGE IN THE TERM\S) OF YOUR LOANUNER SHOWN IN iHE SECURITY OFFERED SECTION AGREEMENT MARKED WITH A STAR("). T SIGNATURE OWNER OF COLLArERAL {Other than a Borrowerl IsEALI I :3 01 AT x; SI( NAT .x 6 FOR CREDIT UNION USE ONLY DATE (SEAL) X SIGNATURE X (SEAL) DATE (SEALI REc.UEsreO: ,-,BYM/lIL L..l I IBY PHONE THRU OFFICE .tNTERNALL Y BY CU -"RANSAcrION: FIRST ADVANCE D1NSURANCE SUBSEQUENT ADVANCE CHANGE X MEMBER PAYS PREMIUM FOR: REPAYMENTiHROUGH IXlCREDlT D1SABILlT"I DJ01NT CREDIT UF'E ;jb~6~~tToN -,~~~~~l~.pC ~SINGLE CREDIT LIFE I7cASH;i ~~CS"~~~NT 'l"j'l'."'i;$'M;"tj!!iIlliiliM~~f:iW~~,~~'_mlf~diIli~-iI!o\OiJ!mll!S-"""'''''''''''''''"'''''''''''''''''''''''-''.'e: --- ' "", ., '\ , \ , ~, '\ ~JSqUehanna Valley Federal Credit Union SECURITY AGREEMENT ~ Date 01/03/2001 Denise MAnderson In this agreement all references to II credit union" mean the credit union whose name appears on this agreement and anyone to whom the credit union assigns the LOANLlNER Credit Agreement. All references to "the advance" mean the amount in the box labeled "New Balance". All references to "you" mean each person who signs this agreement. THE SECURITY FOR THE LOAN - By signing this security agreement in the signature area or under the statement referring to this agreement which is on the back of the check you receive for the advance, you give the credit union what is known as a security interest in the property described in the "Security Offered" section. The security interest you give includes all accessions. Accessions are things which are attached to or installed in the property now or in the future. The security interest also includes any replacements for the property which you buy within 10 days of the advance or any extensions, renewals or refinancing of the advance. It also includes any money you receive from selling the property or from insurance you have on the property. If the value of th~ property declines, you promise to give the credit union more property as security if asked to do so. WHAT THE SECURITY INTEREST COVERS ..The security interest secures the advance and any extensions, renewals or refinancings of the advance. It also seClJres any other advances you have now or receive in the future under the LOANLlNER Credit Agreement and any other amounts you owe the credit union for any reason now or in the future. If the property description is marked with two stars (-II- -11-), or the property is household goods as defined by the Credit Practice Rule, the property will secure only the advance and not other amounts you owe. OWNERSHIP OF THE PROPERTY -- You promise that you own the property, or if this advance is to buy the property, you promise you will use the advance for that purpose. You promise that no one else has any interest in or claim against the property that you have not already told the credit union about. You promise not to sell or lease the property Or to use it as security for a loan with another creditor until the advance is repaid. You promise you will allow no security interest Or lien to attach to the property either by your actions or by operation of law. PROTECTING THE SECURITY INTEREST -- If your state issues a title for the property, you promise to have the credit union's security interest shown on the title. The credit union may have to file what is called a financing statement to protect its security interest from the claims of others. If asked to do so, you promise to sign a financing statement. You also promise to do whatever else the credit union thinks is necessary to protect its security interest in the property. USE OF PROPERTY ,- Until the advance has been paid off, you promise you will: (1) Use the property carefully and keep it In good repair. (2) Obtain written permission from the credit union before making major Changes to the property. (3) Inform the credit union in writing before changing your address or the address where the property is kept, (4) Allow the credit union to inspect the property. 151 Promptly notify the credit union if the property is damaged, stolen or abused. 161 NOt use the property for any unlawful purpose. PROPERTY INSURANCE, TAXES AND FEES -- You promise to pay all taxes and fees (like re~istration fees) due on the property and to keep the property insured against loss and damage. The amount and coverage of the property insurance must be acceptable to the credit union. You may provide the property insurance through a policy you already have, 0' through a policy you get and pay for. You promise to make the insurance policy payable to the credit union and to deliver the policy or proof of coverage to the credit union if asked to do SQ. FOR TENNESSEE CREDIT UNIONS ONLY .- USE WHEN AUTOMOBILE IS ~URCHASED NOTiCE: if you do not purchase the insurance required on the automobile and the credit union purchases the insurance, the insurance purchased by the credit union wlllcover only the credit union's interest in the property. The insurance will not be liabIlity insurance. You have read the above statement and acknowledge that the credit union has explained it to you. SiGNATURE DATE X I. If you cancel your insurance and get a refund, the credit union has a right to the refund. If the property is lost or da~aged, the credit union can use the insurance settlement to r,ep:alf the property or apply it towards what you owe. YOLl authorize the credit union to Indorse any draft or check which may be payable to you in order for the credit union to collect any refund or benefits due under your insurance policy. If you do not pay the taxes or fees on the property when due or keep It insured, the credit union may pay these obligations, but is not required to do so. Any money the credit union spends for taxes, fees or insurance will be added to the unpaid balance of the advance and you will pay interest on those amounts at the same rate you agreed to pay on the advance. If the credit union adds amounts for taxes, fees, or insurance to the unpaid balance of your advance, your payments may be increased by the amount necessary for the advance to be paid off in the same number of months originally scheduled. DEFAULT -- You will be in defauit If yo'" break any promise you make under this agreement. You will also be in default if you are in default under the LOANLlNER Credit Agreement. If you are pledging property, but have not signed the LOANLlNER Credit Agreement, you will be in default if anyone is in default who has signed the LOAN LINER Credit Agreement. WHAT HAPPENS IF YOU ARE IN DEFAULT -- When you are in default, the credit union can, without advance notice to you, require immediate payment of what you owe under the LOANLlNER Credit Agreement and take possession of the property. You agree the credit union has the right to take possession of the property without going to court and without giving you advance notice. If you are asked to do so by the ,credit union, you promise to deliver the property at a time and place. the credit union chooses. The credit union will not be responsible for any of your other property, not covered by this agreement, that you leave inside the property. The credit union will try to return that property to you or make it available for you to claim. After the credit union has possession of the property, it can sell it and apply the money received to any amounts you owe the credit union. The credit union will give you notice of any public sale or the date after which a private sale will be held. The expenses of the credit union for taking possession of and selling the property will be deducted from the money received from the sale. Those costs may include the cost of storing tho property, preparing it for sale and attorney's fees to the extent permitted under state law or awarded under Section 5061b) of the Bankruptcy Code. The rest of the sale money wil! be applied to what you owe under the LOAN LINER Credit Agreement. If you have agreed to pay tho advance, you will also have to pay any amount that remains unpaid after the sale money has been applied to the unpaid balance of the advance and to what you owe under this agreement. You agree to pay interest on that amount at the same rate as the advance until that amount has been paid. DELAY IN ENFORCING RIGHTS AND CHANGES IN THE AGREEMENT -- The credit union can delay enforcing any of its rights under this agreement any number of times without losing the ability to exercise its rights later. The credit union can enforce this agreement against your heirs or le'~al representatives. If the credit union changes the terms of the LOANLlNER Credit Agreement, you agree that this agreemE;nt will continue to protect the credit union. CONTINUED EFFECTIVENESS n if any part of this agreement is determined by a court to be unenforceable, the rest will remain in effect. FOR NORTH DAKOTA CREDIT UNIONS ONLY n APPUES DNL Y WHEN A MOTOR VEHICLE IS PURCHASED NOTICE: THE MOTOP VEHICLE IN TH'S TRANSACTION MAY BE SUBJECT TO REPOSSESSION. IF ''is R<:P08SESSED AND sew TO SOMEONE ELSE, AND ALL AMOUNTS DUE TO F1E :3ECURED PII,f\TY Am: \J(T- ~:E:EIVED IN THAT SALE, YOU MAY HAVE TO Ph Y 1HE DIF::EFHII':r.. THE PRClPEHTY DE:3CRIPTiON 01\ PAGE 1 .S "ART Of "in,S AGRI".:iV\':I"T. . I -. -- -, -", ~..._. -~~~, --".- -.. - - -- . . . >~ ~~~,~ SUSQUEHANNA -- """'-, VALLEY FEDERAL CREDIT UNION LOANLINER INTEREST RATES EFFECTIVE SEPTEMBER 1, 2000 UNTIL FURTHER NOTICE ADDENDUMTQ LdANLINER CREDIT AGREEMENT AND TRUTH-IN-LENDING DISCLOSURE. This addendrninis jllcOrP~dtedinto and becomes a part of your LOANLINER Credit Agreement. By signing, you ,,: ":,: ,,' I. I ':, ' verify tMt a cOpy p . addendum was given to you. .. ' ,I! - SIGNATU , , ~ SIGNATURE Daily Loan Snbacconnt Approximate Periodic Present Annnal Payment Desc~iption Term Rate Percentage Rate Share Secnred 1 - 24 Months .0198630 7.25% The amount and due 25 - 60 Months .0205479 7.50% date of your payment 61 - 96 Months .0217808 7.95% will be established at the time of each Vehicles: advance and will be Model Years disclosed on the 1997 - 2000 1 -24 Months .0205479 7.50% voucher accompanying 25 - 60 Months .0217808 7.95% the advance. Your 61 -72 Months .0226027 8.25% minimum monthly loan 1995 - 1996 1 - 48 Months .0245205 8.95% payment will never be 1993 - 1994 1 - 36 Months .0253424 9.25% less than $20.00. Signatnre/ 1 - 36 Months .0349315 12.75% Unsecured 37 - 60 Months .0369863 13.50% Lines of Credit: Shared Secured Unsecured .0205479 .0369863 7.50% 13.50% COLLECTION COSTS: You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees. FILING FEES: May be incurred when a security interest is taken. The fee is the amount charged by the governmental agency and will be listed on the advance voucher. /~ ~ 1213 SLATE HILL ROAD. C4.J.VlP HILL, PA 17011-8035 , 9.41>.1454 FA,'{: 717 737-0589 (~ _~~~iIMil~'i,,"i~;JJ:~~Iilr~liWi~I~~i;ti.!clJi.ili;;!O;-J"l!:'<hlif';"-"" \'".''''d:'''''''',W;!,,~',"*'li,"~4f~~.,R~~~~'iI!'ll!iiilII!~''' ~ , , CUIlA MUTUAL GROUP PENNSYLVANIA MONlliLY RENEWABLE CREDIT DISASILffi DISCLOSURE RATES PER $100 OF COVERAGE PER HOtmi MONTHLY RENEW ABLE CREDIT 1tRI1 RATE 1tRI1 RATE DISABILITY DISCLOSURE FORM ---- ..... 1 61 .0791 2 62 .0788 3 63 .0780 4 .2384 64 .ons 5 .2486 65 .ono The Schedule of Rates shown here are gross balance rates. 6 .2561 66 .0764 7 .2373 67 .0758 This means the rates are applied to the sum of the periodic 8 .2240 68 .0751 loan payments which remain to be paid on your loan. The 9 .2123 69 .0749 rate we mie is determined by the projected loan term of your 10 .2027 70 .0743 11 .1947 71 .0736 loan (see your loan plan to find the projected term of your 12 .1880 72 .0732 13 .1798 73 .0727 loan). For example, if the projected term of your loan is 24 14 .1734 74 .0722 months and the benefit plu.-: is 14 day nonretroactive, the 15 .1671 75 .0718 rate for that term is .1304 per $100 of gross balance. If the 16 .1610 76 .0712 17 .1567 n .0709 amount of your periodic loan payment is 5100. the l!ross 18 .1524 78 .0704 19 .1479 79 .0699 balance of your loan during the first month of your loan is 20 .1432 80 .0695 $2.400 (24 x 5100). Our charge to you for insurance for 21 .1401 81 .0691 22 .1362 82 .0687 the first month of your loan is $2,400 x .1304 x .01, or 23 .1332 83 .0683 $3.13. After you have made your first $100 periodic loan 24 .1304 84 .0680 25 .1273 85 .0676 payment, the gross balance of your loan would then be 26 .1245 86 .0672 $2,300 (23 x $100) and our charge to you for your 27 .1219 87 .0669 insurance for the second month would be 52,300 x .1304 x 28 .1199 88 .0666 29 .1180 89 .0662 .01, or $3.00, etc. The charges we actually make to you for 30 .1155 90 .0659 31 .1131 91 .0656 your insurance are shown in your periodic statement which 32 .1113 92 .0654 you receive from the Credit Union. 33 .1096 93 .0649 34 .1080 94 .0645 35 .1064 95 .0642 Please remember: Whenever you add a new advance to 36 .1046 96 .0640 37 .1026 97 .0637 your loan, you recast the loan and a new projected loan 38 .1016 98 .0636 term is determined according to your Loan Plan. 39 .0999 99 .0631 40 .0987 100 .0628 41 .0974 101 .0626 Please note also that if the amount of your periodic loan 42 .0963 102 .0624 43 .0951 103 .0621 payment is greater than the maximum benefit per month 44 .0939 104 .0617 shown in the Insurance Schedule of your Certificate of 45 .0927 105 .0614 Insurance, our charge to you is based on the sum of the 46 .0917 106 .0613 47 .0909 107 .0609 maximum benefits per month times the number of periodic 48 .0896 108 .0608 49 .0889 loan payments remaining to be paid on your loan. For 109 .0605 50 .08n 110 .0603 example, if your periodic loan payment is $400 and the 51 .0869 111 .0602 maximum benefit per month is $300 and you have 24 52 .0860 112 .0599 53 .0854 113 .0597 payments remaining to be paid, the gross balance of your 54 .0844 114 .0595 55 .0834 115 .0593 loan for purposes of this insurance would be $7,200 (not 56 .0830 116 .0591 $9,600) and our charge to you for insurance the first month 57 .0821 117 .0589 would be $9.39. ($7,200 x .1304 x .01). 58 .0812 118 .0587 59 .0808 119 .0583 ' 60 .0799 120 .0581 ' L ..- ~ ~" ,,~ " ~ SUSQlJEHANNAVAlJ.EY FEDERAL CREDIT UNION 1213 Slate HID Road camp Hill, PA 17011-ao12 (717) 737-4152 IOANUNa 1 MEMBER INFORMATION DATE 01/03/2001 MEMBER NAME llASTj Anderson, Denise M Advance Request Voucher and Security Agreement MEMBER ACCOUNT NUMBER 8400-5 {FIRST} (lNITIALl SOCIAL SECURITY NUMBER 166-56-3450 HOME TELEPHONE NUMBER (717)-791-9956 PURPOSE/LOAN SUBACCOUNT DESCRIPTION Other ADDRESS DATE WANTED 330 S. Washington St. Apt #5 CITY 01/03/2001 YOU ReOUEST THE FOu..OWING ADVANCE SUBJECT TO THE TERMS AND CONDITIONS OF YOUR LOANLlNER CREDIT AGREEMENT $1,m.42 STATE ZlP CHECK BOX IF NEW ADDRESS OR PHONE NO. SfCU,RITY OFFERED (IF ANY} signature Mechanicsburg, PA 17055 2 CHANGES SINCE LAST ADVANCE liST ALL DEBTS: H.e. Rent, Mortgage, Auto, Creait Cards, Credit Union, Alimony, etc.l ATTACH ADDITIONAL SHEET IF NECESSARY PRESENT BALANCE MONTHLY PAYMENT $ $ $ $ MARl AL STATUS. DO NOT OMPL E IF APPLYING FOR INDIVIDUAL UNSECURED CR 01 UNLESS YOU RESIDE OR ARE RELYING UPON PRofERTY IN A COMMUNITY PROPERTY STATE (AZ, CA, 10, LA, NV, NM, TX, WA, WH. IF Y U AR WORKING, NAME A 0 A ORE OF NEW EMPL Y R NEW POSITION 5E ARA TEO HEALTH CENTRAL 2605 INTERSTATE DRIVE HARRISBURG, PA 17110 CLAIMS PROCESSOR o TEHI ED 11/17/1997 PHONE NO. (717)-651-6052 MONTHLY SALARY $3,633.33 SOURCE OF OTHER INCOME X GROSS E MONTHLY INCOME NOTICE: yOU DON'T HAVE TO INCLUDE INCOME FROM CHilD SUPPORT, SEPARATE MAINTENANCE, OR AUMONY UNLESS YOU WANT THE CREDIT UNION TO CONSlOER Ii. 3 SECURITY OFFERED PROPERTY SIGNATURE IN ADDITION TO THE PLEDGE OF SHARES IN YOUR LOANLlNER CREDIT AGREEMENT, THE FOLLOWING PROPERTY SECURES THE ADVANCE: MODEL YEAR 10 NUMBER TYPE 0000 VAlUE $ $ $ OTHER (DESCRIBE] YOUR CREOIT UNION SHARES PLeOGE OF SHARES $ $ KEY NO: LOCATION OF PROPERTY: ACCOUNT NOtS!. PRIMARY USE OF PROPERTY: PURCHASE MONEY; CAlLY PERIODIC RATE ANNUAL PERCENTAGE RATE INTEREST RATE IS: .036986% % 13.50000 % AMOUNT APPROVED OTHER CHAR ES 1,779.42 + $ N/A 1,779.42 CURRENT pAYMENT DATE DUE ?Mi. AFT~ ADVANCE. DATE CUE. N/A N/A 240.22 02/05/2001 OTHER CHARGES {DESCRIBE} $ .00 VARIABLE 1> .00 PREVo LOANllNER BALANCE OTHER LOANS (THIS SUBACCOUNT) + $ 8,220.58 + $ N/A LOAN LIMIT $ minus NEW BALANCE ?MT. FREQUENCY TOTAL ?foAT. All AceTS. $ 10,000.00 equats REMAINING LIMIT M , Your term wil.l be appr?ximately 60 payments, which may be more or less, depending on whether you prepay. have late payments, or ,nsurance 's added, etc. 5 SIGNATURES SIGN BelOW BY SIGNING B8..0W OR UNDER THE ENDORSEMENT ON THE AOV ANCE PROCEEDS CHECK YOU AGREE: IF YOU ARE NOT A . TO MAI<E AND BE BOUND BY THe TERMS OF THE SECURITY AGftEEMEN1'. BORROWS\ BUT AN . THAT EVEftYTIUNG IN SEenON 21S A COMPlETe USTlNG OF All. YOUR oaTS AND OBUGAl"lONS. OWNER Of THE . THAT THE CREDIT UNION W1LL RELY ON THE INFORMATION IN SECTION Z TO MAKE A'DECISION ON THIS ADVANCE. COUATEflAL. SIGN . TO MAK.E PAYMENTS AS DISCLOSED IN SECTION 4. BELOW AND CHECK THE . TO THE TERMIS} DISCLOSED B8..0W IF ANY ONE OR MORE ITEM(S) ARE CHECKED. APPUCABLE BOX. YOU ARE RECEIVING A YOU ARE PLEDGING SHARES FOR THE AMOUNT X THE CHANGE IN THE TERM(SI OF YOUR LOANUNER' }-' SH/CHECK ADVANCE SHOWN IN THE SECURITY OFFEAED SE TION GREEMENT MARKED WITH A STARI.I. SIG AT E aWNERO COLLATEA T SIGNATURE OWNER OF COLLATERAL (Other than a 8orrowerl K /sEALI I ~ Of ~N~ ~ X 6 FOR CREDIT UNION USE ONLY DATE (SEALl X I NA U X (SEALl DATE lSEAL) '- - REQUESTED: BY MAIL SY pHONE THRU OFFICE INTERNALLY SV CU TRANSACT10N: FIRST AOV ANCE DINSURANCE X SUBSE~UENT ADVANCE CHANGE MEMBER PAYS P X CREDIT DISA X SINGl:.E CRED PLANISUSAC EXHIBIT c ITOMATIC ,YMENT ILITARY .LOTMENT CHECK NuMBER DEPOSIT ACCT. NUMBER @CUNA MUTUe,L iNSuRANCE SOCIETY, 1980. 82. 84, 86, 89, ALL R GHTS RES,EilVEP F lJNrnN r. p PROCESSED BY ADM VST025 (LASER) 6826LL CONTRACT NUMBER 037-1661-8 REFERENCE NUMBER uns-840005 BRANCH NUMBER _u _ "".~"_"""'""""~,,~ ,;. ~.--.....~~~ ,~,~,~ ''''....__~~,~,'''~f) Susquehanna Valley. Federal Credit Union Dat. 01/D3/2001 Denise MAnderson SECURITY AGREEMENT In this agreement all references to "credit union" mean the credit union whose .nam~ appe~rs on this agreement and anyone to whom the cred,t unwn ass'gns the LOAN LINER Credit Agreement. All references to "the advance" mean the amount in the box labeled "Nev:' Bala.nce". All references to "you" mean each person who signs this agreement. THE SECU.RITY FOR THE LOAN - By signing this security ag:reement In the s.lgn~ture area or under the statement referring to this agreement whIch ,s on the back of the check you receive for the advaryce, you. give the credit union what is known as a security" mterest m the property described in the "Security Offered sect'an. The secunty mterest you give includes all accessions. Accessions are things which are attached to or installed in the property now or in the future. The security interest also .Includes any replacements for the property which you buy wlth,n 10 days of the advance or any extensions renewals or refinancing of the advance. It also includes any mon~y you receive from selling the property or from insurance you have on the property; If the value of the property d;,clines, you promise to give the credit umon more property as secunty if asked to do so. WHAT THE SECURITY INTEREST COVERS -The security interest secures the advance and any extensions, renewals or refinancings of the! advance. It also secures any other advances you have now or receive in the future under the LOANLlNER Credit Agreement and any. other amounts you owe the credit union for any reason now or In the future. If the property description is marked with two stars ("), or the property is household goods as defined by the Credit Practice Rule, the property will secure only the advance and not other amounts you owe. OWNERSHIP OF THE PROPERTY - You promise that you own the property, or if this advance is to buy the property, you promise you will use the advance for that purpose. You promise that no one else has any interest in or claim against the property that you have not already told the credit union about. You promise not to sell or lease the property or to use it as security for a loan with another creditor until the advance is repaid. You promise you will allow no security interest or lien to attach to the property either by your actions or by operation of law. PROTECTING THE SECURITY INTEREST -- If your state issues a title for the property, you promise to have the credit union's security interest shown on the title. The credit union may have to file what is called a financing statement to protect its security interest from the claims of others. If asked to do so, you promise to sign a financing statement. You also promise to do whatever else the credit union thinks is necessary to protect its security interest in the property. USE OF PROPERTY - Until the advance has been paid alf, you promise you will: (1) Use the property carefuliy and keep it in good repair. 121 Obtain written permission from the credit union before making maiar changes to the property. (3) Inform the credit union in writing before changing your address or the address where the property is kept. (4) Allow the credit union to inspect the property. (51 Promptly notify the credit union if the property is damaged, stolen or abused. 16) Not use the property for any unlawful purpose. PROPERTY INSURANCE, TAXES AND FEES - You promise to pay all taxes and fees (like registration fees) due on the property and to keep the property insured against loss and damage. The amount and coverage of the property insurance must be acceptable to the credit union. You may provide the property insurance through a policy you already have, or through a policy you get and pay for. You promise to make the insurance policy payable to the credit union and to deliver the policy or proof of coverage to the credit union if asked to do so. FOR T~NNESSEE CREDIT UNIONS ONLY .- USE WHEN AUTOMOBILE IS PURCHASED NOTICE: If you do not purchase the insurance requited on the automobile and the credit union purctlases the insurance. the insurance purchased by the credit union wilt COl/er only tM credit union's interest in the property. The insurance will not be liability insurance. You have read the above statement and acknowledge that the credit union has explained it to you. SIGNATURE X S\GNATURE. X DATE DATE If ~au tancel your insurance and get a refund. the credit union has a nght to the refund. If the property is lost or damaged, the credit un,an .can use the ,nsurance settiement to repair the property or apply It towards what you owe. You authorize the credit union to indorse any ?raft. or check which may be payable to you in order for the cred,t uman to collect any refund or benefits due under your insurance policy. If you do not pay the taxes or fees on the property when due or keep it irysured, the credit union may pay these obligations, but is not reqUired to do so. Any money the credit union spends for taxes, fees or insurance will be added to the unpaid balance of the advance and you will pay interest on those amounts at the same rate you agreed to pay on the advance. If the credit union adds amounts for taxes, fees, or insurance to the unpaid balance of your advance, your payments may be increased by the amount necessary for the advance to be paid off in the same number of months originaliy scheduled. DEFAULT -- You will be in default if you break any promise you ~ake under thIs agreement. You will also be in default if you are Tn default under the LOANLlNER Credit Agreement. If you are pledging property, but have not signed the LOAN LINER Credit Agreement, you will be in default If anyone is in default who has signed the LOANLlNER Credit Agreement. WHAT HAPPENS IF YOU ARE IN DEFAULT -- When you are in default, the credit union can, without advance notice to you, require immediate payment of what you owe under the LOANLlNER Credit Agreement and take possession of the property. You agree the credit union has the right to take possession of the property without going to court and without giving you advance notice. If you are asked to do so by the credit union, you promise to deliver the property at a time and place the credit union chooses. The credit union will not be responsible for any of your other property, not covered by this agreement. that you leave inside the property. The credit union will try to return that property to you or make it available for you to claim. After the credit union has possession of the property, it can sell it and apply the money received to any amounts you owe the credit union. The credit union will give you notice of any public sale or the date after which a private sale will be held. The expenses of the credit union for taking possession of and selling the property will be deducted from the money received from the sale. Those costs may include the cost of storing the property, preparing it for sale and attorney's fees to the extent permitted under state law or awarded under Section 5061b) of the Bankruptcy Code. The rest of the sale money will be applied to what you owe under the LOAN LINER Credit Agreement. If you have agreed to pay the advance, you will also have to pay any amount that remains unpaid after the sale money has been applied to the unpaid balance of the advance and to what you owe under this agreement. Yau agree to pay interest on that amount at the same rate as the advance until that amount has been paid. DELAY IN ENFORCING RIGHTS AND CHANGES IN THE AGREEMENT -- The credit union can delay enforcing any of Its rights under this agreement any num ber of times without losing the ability to exercise its rights later. The credit union can enforce this agreement against your heirs or legal representatives. If the credit union changes the terms of the LOAN LINER Credit Agreement, you agree that this agreement will continue to protect the credit union. CONTINUED EFFECTIVENESS -- If any part of this agreement is determined by a court to be unenforceable, the rest will remain in effect. FOR NORTH DAKOTA CREDIT UNIONS ONLY - APPLIES ONLY WHEN A MOTOR VEHICLE IS PURCHASED NOTICE: ThlE MOTOR VEHICLE IN THIS TRANSACTION MAY BE SUBJECT TO REPOSSESSION. IF IT IS REPOSSEsseD AND SOLD TO SOMEONE ELSE. AND ALl. AMOUNTS DUE ro THE SECURED PARTY ARE NOT RECEIVED IN THAT SALE, YOU MAY HA VE ro PAY THE DIFFERENCE. THE PROPERTY DESCRIPTION ON PAGE 1 IS PART OF THIS AGREEMENT. NOTICE: SIGN THIS AGREEMENT ON PAGE 1. CREDIT UNION COPY VST025 ILASER) 6826LL ~ , "', ,-" ',~' "","',^ -" - - .., ,,'~'< ',- ,',,;: ,',..";,, ,~\::">"""'- """,,: ~;,;;-:,' W ,~;"i';;~,,,,'," "'-",;,~~~";;'-':-i,,~ _' l' ',:,"__.~~ SUSQUEHANNA ~""'- VALLEY FEDERAL CREDIT UNION Statement of Account Date: October 11, 2001 Maker: Denise M. Anderson Comaker: NONE Home Address: 330 S Washington Street Apt 5 Mechanicsburg, P A 17055 Our Account Number: 8400-5 Maker Social Security # 166-56-3450 Comaker Social Security # Principal Amount Owed: $9,682.32 Interest Owed: $537.89 Penalty (20 % of Principal & Interest): $2,104.73 Total Amount Claimed: $12,334.94 $10.00 late fee included. 1:="1</1 ~. 1213 SLATE HILL ROAD . CAMP HILL, PA 17011-8035 LOCAL: (717) 737-4152 TOLL FREE: (800) 948-1454 FAX: (717) 737-0589 ~ J;<"'" c ),--,-,~ ~~,.,,,.~,,~'" OCT 16 01 TUE 04:12 PM SUSQUEHANNA VALLEY FCU OCT 16 '01 03: 25PM KNUPP 8. KODAK PC FAX NO, 7177370589 P, 03 ~"'TION I, SUSAN J. BRUBAKER, LoID SOlVIces/Colleotlons M...-ger of SUSQUEHANNA VALLBY l'1!DBRAL CREDIT UNION, 'VOl'lfy tbal the 6tarAlftull\ti made in the aforogolng doowneJlt Q/e true I\Ild COITllOl. 1 undeflllBllll that mise s1Iltelllents I\Ir8ln IIIIl madc subject to !he pi:IIslties of 18 l'a. C. S. f4904. relating to UIIlWorn tal&ifle&licIlIlo aumorltles. SUSQUEHANNA VALLEY FEDERAL CREDlT UNION iJM4- IJutlJ ~J.BNb . Loan Sei:VI. llecliolul Mlmager Datecl: / D/I b /0 / A;U161\ CQM,WI'DlIUO<!O\ "I 1~~~;ilf~1!t~li~,'~MJW/ci-~id~!i;;'tl.llil\"",~;".;.~.;,.;.~",~"~","",;,~",,.....~~j'"~m~iti\ilUl( , ~ pR -q ~ ~ t Ii it ~ ~ C> "'- 8 2 & ~ "'- "'-1 I ~ ~ , u t? 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