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Home My WebLink About01-06851 COMMONWEALTH OF PENNSYLVANIA '\ COURT OF COMMON PLEAS NOTICE OF APPEAL FIKlM JUDIC.A-L DISTRICT DISTRICT JUSTICE JUDGMENT COMMONPLEASN.. 01- tJ>~1 C;fJL~ NOTICE OF APPEAL Notice is given that the appellant has filed in the abave Court of Common Pleas an appeal from the judgment rendered by the District Justice on the date and in the case mentioned below: ADDRESS OF APPELlANT 218 N. Pitt St. J>>.TE~T OfY Carlisle I M1G. ~ NQ OR NAME Of OJ. Susan K. Day STATE PA Zl'CODE 17013 NAME Of APPEllANT Jean Jordan 11-15-01 vs. SIGNATURE OF APPELlANT HIS A NEY OR AGENT 00300 01 hilip C. Briganti CV 00 - idpenn Legal Services LT Irvine Row Carlisle PA 17013 (717 :2'!1-9'1p This block will be signed ONLY when this notation is required under Po. R.cPJP. No. If appellant was CLAIMANT (see Pa. R.GP.JP. No. ~~8~tice of Appeal. when received by the District Justice, will operate os 0 1001 (6) in action .before District Justice, he MUST SUPERSEDEAS ta the judgment for possession in this case. FILE A COMPLAINT within twenty (20) days after filing his NOTICE of APPEAL. IN THE CASE OF (Pfaintiff) itifinancial 1"""""""1. Charles Hinton ana Jean Jordan ClAIM NO Signature of Prothonotary or Deputy PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE (This section of form to be used ONLY when appellant was DEFENDANT (see Pa. HCP.JP. No. 1001(7) in action before District Justice. IF NOT USED, detach from copy 01 notice of appeal to be served upon appellee). PRAECIPE: To Prothonotary Enter rule upon Ci tifinancial N8m<l or appe//ee(s) (Common Pleas No. ()t-I.J"~I (?,u~l '--J;;.~ ) within twenty (20) days after ser . I ,appellee(s), to file a complaint in this appeal RULE: To Ci tifinancial N8m<l or appel/ee(s) , oppellee(s). (1) You are notified that a rule is hereby entered upon you ta file a complaint in this appeal within twenty (20) days after the date of service of this rule upon you by personal service or by certified or registered mail (2) If you do not file a complaint within this time, a JUDGMENT OF NON PROS WILL BE ENTERED AGAINST YOU. Date~ c... ..d (3) The date of service of this rule if service was by mail is the date of mailing. MO/kfl.P 7rflU""~ SignaIure or or ' ~I c AOPC 312-90 COURT FILE TO BE FILED WITH PROTHONOTARY '-"",-,~-!!,,~>,",,~,. ,~~ , -~" TlJ ~"""""'~1 , m~__ I' 1 ~ - r~ "" _J!lII!~ mn~"",,~_,~ t"!~. , "",-, " ,~ ,_,I ,,~,__......._ilre,,-,"'" " '},T jr~' -, .".~ "' ". ''"n " 4"t'~ ~, : '~'...,," _,."",~"!,,...., .,"<"',~. '''! ,'"~,!,.--' ..:L._~,~~ .n"~~',,,, , ,_, ~_~, ~ ~"~~ .'_'.'~ ~~ _ ~ _ ,'''''' ". .-,ij i PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT (This proof of service MUST FILED WITHIN TEN (10) DAYS AFTER filing the notice of appeal, Check applicable boxes) COMMONWEALTH OF PENNSYLVANIA COUNTY OF '___.'m" ' n .~......, ..~_...,."..,....,..,..,_._.; ss AFFIDAVIT: I hereby swear or affirm that I served . a copy of fh" Notice of Appeal, Common Pleas No, ._. ,.__ _ " ire District Justice designated therein on (date at sewice) 0 by personal service (certified) (registered) mail, sender's receipt attached hereto, and upon the appellee, __..__..,.,...._~_...n..'_' on _",,,..___,___ 0 by personal service by (certified) (registereci) mail, sender's receipt attached heretc. o and further that I served the Rule tc File a Complaint accompanying the above Notice of Appeal upon the appellee(s) to whom the Rule was addressed on ,._. service 0 by (certified) (reglst"red) mall, sender's receipt SWORN (AFFIRMED) AND SUBSCRIBED THIS was tna,le ~vt'j ccmlD!ssiOri em,_ . g C C) -rl ;;;:: C:' ~ ""Om ["1 S2'g::: e-, ..ir==: , -:::;tI!. :z:c (C,) "..~.i 'r( ~2~ '~~, '<. C) -i..l "V -'>C\ .-' ;;..,,.C) Z .' ~rf1 -0 ':': :Pc ::::. .~ f....,) )> '" (T\ .:Q . ~ \ \ :~ ~. jJ _., ,_,_ ~ _"__'''''''''-"~'~ ,M~f;l~,"';Jll~#i""""i'\"""1"P,.'(,';5-;:;"'1r~"i~~m,:y';f,ji%3iiQ'Wi,l:':' , "1." - -~'~,~ CITIFINANCIAL, IN THE COURT OF COMMON PLEAS OF Plaintiff v. CUMBERLAND COUNTY, PENNSYLVANIA : PSI : NO.oI--I. CIVIL TERM CHARLES HINTON AND JEAN JORDAN Defendants PRAECIPE TO PROCEED IN FORMA PAUPERIS To the Prothonotary: Kindly allow, Jean Jordan, a Defendant in the above-captioned action, to proceed infarma pauperis. I, Philip C. Briganti, attorney for the party proceeding infarma pauperis, certify that I believe the party is unable to pay the costs and that I am providing free legal services to the party. // ~(~(- P6.ilip C. riganti Attorney for Defendant MIDPENN LEGAL SERVICES 8 Irvine Row Carlisle, PA 17013 (717) 243-9400 .~""_WJ~',,,,., "'~',' . '^ .~; ,,", , t-c-, ,-,'" ,1'.' ,;''-'I':;!"j(', , , ' "" ^ .,- ,,~ '<'.-;;1 'J'e<'Oh,,", ,,-,,,"..', ,".../H"'_~''--._',,;,'_'"'-_'''"''-iI;. IRftltrY' o c: -otB ~~- "</ r;c t~, /:.- -J ~-, ~ ~ "-:1 ~ C"") -" L,:' ." ':.;.? . , -" 0"', ."n ,~_ _~ ~~ _~,'_' ," =,_ ,,,IJIr, nfJIT:;:t'\L,~,:~~, --,!\~ ''''~~'1'~~, ",,~~n~,_ fUfji'fl<m1il:liWr,,"~~1i;iif"'!IE~:"'~'ii<:"',X:"i"tit'.<f~!<'i~'~~J',!li1{,,~;;f-'r\-~'Fi-,~~'8i'f#]!iI':tir&W~Tl;qffl~~~~ . ' . ,COMMONWEALTH OF PENNSYLVANIA COUNTY OF: CUMBERLAND Mag. Disl. No.: 09-3-03 OJ Name: Hon. SUSAN K. DAY Add,,,,, 229 MILL STREET, BOX 167 MT. HOLLY SPRINGS, PA T"'ph,"" (717) 486 -7672 17065 JEAN JORDAN, DEF. 2 218 N. PITT ST. CARLISLE, PA 17013 NOTICE OF JUDGMENT/TRANSCRIPT CIVIL CASE PLAINTIFF: NAME and ADDRESS IcITIFINANCIAL I 1 VALLEY ST. SUITE 103 ~ISLE, PA 17013 ~ VS. DEFENDANT: NAME and ADDRESS 'HINTON, CHARLES & JORDAN, JEAN, ET I 60 E. LOUTHER ST. CARLISLE, PA 17013 L ~ Docket No.: CV- 0000300 - 01 Date Filed: 9/28/01 THIS IS TO NOTIFY YOU THAT: . JudgmentDEFAUI.T JUDGMENT PLTF [i] Judgment was entered for: (Name) ~T'I'TFTNll.N~TlIT. [i] Judgment was entered against (Name) HTN'T'ON, ~ll'll.RT.RR & ,ToRnAN, .TRAN in the amount of $ 4 0?7 7"1 on: . D Defendants are jointly and severally liable. D Damages will be assessed on: D This case dismissed without prejudice. O Amount of Judgment Subject to AttachmentlAct 5 of 1996 $ D D Levy is stayed for days or D generally stayed. Objection to levy has been filed and hearing will be held: Date: Place: Time: (Date of Judgment) (Date & Time) 11/1<;/01 . . Amount of Judgment $ 3.928.60 Judgment Costs $ 99.13 Interest on Judgment $ .00 Attorney Fees $ .00 Total $ 4.027.73 Post Judgment Credits $ Post Judgment Costs $ ------------ ------------ Certified Judgment Total $ ANY PARTY HAS THE RIGHT TO APPEAL WITHIN 30 DAYS AFTER THE ENTRY OF JUDGMENT BY FILING A NOTICE OF APPEAL WITH THE PROTHONOT ARYICLERK OF THE COURT OF COMMON PLEAS, CIVIL DIVISION. YOU MUST INCLUDE A COpy OF THIS E OF JUDGMENT ANSC T FORM WITH YOUR NOTICE OF APPEAL. //-/5-(j/ Date I certify that this is a true Date My commission expires first Monday of January, AOPC 315-99 ~'~[~i!I~!ilt,!J,..,,~ ~_ c "'..", ~,,~ ,"'"" ~,~ -, '- - ~,- , District Justice proceedings containing the judgment. , District Justice 2004 SEAL ~~ - COMMONWEALTH OF PENNSYLVANIA COURT OF COMMON PLEAS NOTICE OF APIPEAL , , FROM JUDICIAL DISTRICT Notice is given that the appellant has filed in the above Court 01 Common Pleas an appeallrom the judgment rendered by the District Jus.tice on the dale and in the case men~oned bel"", NAME Of APPEI.l.A.NT J(~;,ln ~Jordan MAG. DIST: NO OR NAME OF D.J. S:mliHl :~. Day ADDRESS OF APPEUANT 1:ii~ N~ pitt DAn: OF JlIDGMENT at.. CITY Carlisle STATE k'A ZP CODE 17013 'j '1. -15-01 vs. SIGNATURE OF APPELlANT 1115 ATJORNEY OR AGENT nooo~oo 01 hilip C. Briganti. CV v. ~, - idpenn Legal Serv~ces LT Irvine Row CClrlishl PA 17013 /7 :J'1]-1'1p This block will be ~gped ONLY when this notafion is required under Po. R.c.PJ.P. No. If appellant was CLAIMANT (see Pa. R.cP.JP. No. 10088. " This Notice 01 Appeal, when received by the District Justice, will operale as a 1001(6) in actionbefore District Justice, he MUST SUPERSEDEAS to the judgment lor possession in this case. FILE A COMPLAINT within twenty (20) days after filing his NOTICE of APPEAL. IN THE CASE OF (Plaintiff) Citifinancial (Defendant) Ch,:lrles Hint-on and Jean Jordan QAIM NQ Signature of. Prothonotary' or Deputy PRAECIPE' TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE (This section of form to be used ONLY when appellant was DEFENDANT (see Pa, HCP.JP. No, fF NOT USED, detach from copy of notice of appeal to be served upon appellee). PRAECIPE: To Prothonotary Citifinancial Name of appeffee(s) -" ',; (Common Pleas No. OJ - t,pt'1 (!, (},'L ~ "-"""" ) within twenty (20) days alter servo I 1 00 1 (7) in action before District Justice. Enter rule upon j ",":"."1~-'-"" , appellee(s:), to file a complaint in this appeal , appellee(s). 01 judgment af non pros. RULE: To Citific-l'ancial Name of appel/f!e( s) , _ff8llt or hiS attorney or agent \ (1) You are notified that a rule is hereby enlered upon you to file a complaint in this appeal within twenty (20) days after the dale 01 service of this rule upon you by personal service or by certified or registered maiL 'r':, ~'?":'.':""'" , ' (2) If you do 'l'lf~~~~~~I~{~iil1inthis time, a JUDGMENT OF NON PROS WILL BE ENTERED AGAINST YOU "Aft'."':'~";;: " ~ '~~;';,':'I (3) The ~'eJ' service 01 this rule if~~Vi,~,was by mail is the dale 01 mailing. Date:lF C ~~~'" '~! '~',.\ (., &'0.-> ~ . p '-n'1gJ;Z.~~, , ,,," .."". ,"'" . , ' ,-"" <s\. ,~. ,.,.f' ...:,," '~1,\......",~'~"'> ..,' i AOPC 312,90 COURTFlLE ;-"""%'%~4,",d., "~ ~" ,"''',~. ,~" '," .,J.,~_ -=+" ~ J~ ,~"~',,,";:Li;"':","- _ _iih,,, """ ,~_~,,~-' I!\'!-'.... ~~.".~ 0 ~~ """'~~~~,,"',~'. PROOF OF' SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT (This proof of service MUST BE FILED WITHIN TEN (10) DAYS filing Ihe notice of appeal Check applicable boxes) COMMONWEALTH OF PENNSYLVANIA COUNTY OF Gunl.frlt../u_____ . .,___i ss AFFIDAVIT: I hereby swear or affirm that I served _ ,,' Ef a copy of the NotiCO,O, I" ,A", P" ,peal, cO,m, , mjc f'e"a",s, "N,O, ~I~" f'6S.~_VIIu Tei,", upon the District Justice designated tl,lerein on (dale of service)__ dd o__/~ IS () ,. n m~' 0 by personal service lia-ty (certified) (fc~ioj~I'~d) mall. sender's APt attaci1ellhereto, and upon the appellee, (()ame)_~,:Lh~"!(i<rL"_"___nu__"",_'___,,,,o__m' on '<~_'YIIJ<~ -5:-,~~(I( 0_' 0 by personal servioe ~(oertifled) (r€~J!mj)'fI1ail< sender's receipt attaohed hereto ~d further that I served the Rule to File a Complal,nt aocompanylng the above Notice of Appeal upon the appellee(s) to whom the Ruie was addressed onn.JJ~''''''IJ.~o~!io,__n' ..2otlL, by personal servioe G--1Jy (certifiedHl'e~iglercj: mail, sender's reoeipt attached hereto. I SWORN (AFFIRMED) AND SUBSCRIBED THIS. ___ DAY , ,j ,'/' / "l;;O&fi~' - O"v~~t .-#-l,.,.. ME was My commissior; on . /J {J+~,>:~ti:.._n. I verify that the statements in this Affidavit are true and correct to the best of my knowledge, information and belief. I understand that false statements herein are ma"!o RllhJect to the penalties of 18 P.S. Section 4904, relating to unsworn falsification to authorities.. ~. /~ Phili . t ic ~ "'Ow mm ZTl :z:""-' U)~': ~C; Po :Z:o >c :z: =< "-,'--'-',,,,-''"--'' <" o q C1 ;-:-1 ['" , (I' -,,:,,:~n : i::" ~_,..... ~~' '--"'"'>'" ~ ;;::I X~ .......:.: ~'v -:",' c..) (::J ~'" -.- T",-- "",",",wy' :,'<') ':'7,:~'~:,; .. "W~IW' .," , ~"'11~1 .,~-- c ;;r ;;r ru <0 .JI r'I tr Postage $ ,. Certified Fee ';\ ii, C r'I C C Return Receipt Fee (Enoorsement Required) Sl.50 SO.110 ,"I ,Ii ;" /.~/ o 1ft I'- Total postage & Fees $ $3.94 l' /.::./: ~ nt~:\:tL *' j\.ls-hce 'Su CLn '1~ ._-'"~;;";:" _ mn <" < Cnnm<n<m_mm"m"'';,,,m,,m,,m,,nLmm,,mm_mm,,m,,n ...... Street, Apt. No.; or PO Box No. g "~~e,~+~lL~tt""W~dJ"7m<nmn"n,,n.nnmm.nm< l'- t- J S Restricted Delivery Fee (Endorsement Required) l'- U1 ;;r ru <0 .JI . r'I' tr Postage $ Certified Fee C r'I C C -.; Return Receipt Fee (En"orsement Required) Restricted Delivery Fee (Endorsement Required) $0.00 ~ Total postage & Fees $ $3.94 .JI r'I ~:L~:\:i:f\OJJfK\()J""<""""nm.mmmm~-:-::~",,,::,:",,,,<~'<nn<"." c:t Strt, Apt. Nf'; or PO Box No. ~ "c;~tr'~~t~~l"I~;~\Q3nmmmmmmm""n"nn<" -~I ""'"1"'" m lr "' CITIFINANCIAL SERVICES, INC., Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA vs. NO. 01- r.a~)1 C-.';'"I CHARLES W. HINTON, JR. and JEAN L. JORDAN, Defendants 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 wi thin twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in wri ting with the Court your defenses or obj ections 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. NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (717)249-3166 OR (800)990-9108 IF YOU DO THE OFFICE NOT I C I A Le han demandado a usted en la corte. si usted guiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene viente (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Usted debe presenter una apariencia escrita 0 en persona 0 por abogado y archivar en la corte en forma escrita sus defenses 0 sus obj eciones alas demandas en contra de su persona. Sea avisado gue si usted no se defiende, la corte tomara medidas y puede entrar una orden contra usted sin previo aviso 0 notificacion y por cualquier queja 0 alivio que es pedido en la peticion de demanda. Usted puede perder dinero 0 sus propiedades 0 otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABODAGO INMEDIATAMENTE. SI NO TIENE ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA 0 LLAME FOR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DON DE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (717)249-3166 OR (800)990-9108 citifinancial\anfuso\complaint "",~,P.w,1Ji!l'L , ,"~ __ -""'_r, <,,<, r,=,_ "'~ , r " , ~ CITIFINANCIAL SERVICES, INC., Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA vs. NO. CHARLES W. HINTON, JR. and JEAN L. JORDAN, Defendants CIVIL ACTION - LAW COMPLAINT 1. Plaintiff is CitiFinancial, Inc. (CitiFinancial) with a place of business at 1 Valley Street, Suite 103, Carlisle, PA 17013. 2. Defendant Charles W. Hinton, Jr. resides at 60 East Louther Street, Apt. 2, Carlisle, PA 17013. 3. Defendant Jean L. Jordan resides at 218 N. Pitt Street, Carlisle, PA 17013. 4. On February 9, 2001 pursuant to the disclosure statement, note and securi ty agreement attached hereto as Exhibit "A", CitiFinancial Services, Inc. loaned to Charles W. Hinton, Jr. and Jean L. Jordan the principal sum of $5,008.00. 5. Charles W. Hinton, Jr. and Jean L. Jordan have failed to make payments pursuant to the aforesaid note. 6. The balance owing on said note is $7,969.50. 7. Ci tiFinancial has demanded that Charles W. Hinton, Jr. and Jean L. Jordan pay the aforesaid balance, however, Charles W. Hinton, Jr. and Jean L. Jordan refuse to do the same. 8. The aforesaid note and security agreement provide for the recovery of Attorney fees which in this case amount to $2,656.23. '~-t-~% , ~,~ ",.. -~~ ..., - WHEREFORE, CitiFinancial requests judgment against Charles W. Hinton, Jr. and Jean L. Jordan in the amount of $10,625.73. BYY~~'~ ~F EY . YOFF~ SQUIRE Attorney for CitiFinancial 214 Senate Avenue, Suite 203 Camp Hill, PA 17011 (717) 975-1838 Attorney ID No. 52933 citifinancial\hinton\complaint ,w",~",,_ "c~ = c~ '""'" ",,"1' , 1'" '" -~ ~~'" - __~.. _, 11--= $~n_ .. "',,~'" ~.y " FILE I~O. 99312/18'0115:41 ID:YDFFE &.YOFFE P.C. 717 975 1912 PAGE 5 " CITIFINANS;AL SE~VICES, INC.. plaim:itf .. IN THE COURT OF COMMON PLEAS OF CUMSERLAND COUNTY, PENNSYLVANIA vs, NO. CHARLES W. HINTON, JR. and JEAIil L. JORDAN , De fendancs CIVIL ACTION - LAW VERTFT~ATT()N' I ~reby state chat I am an adult individual who is authorized to make th~s verificacion and that the facts set forch in the foregoing Complaint are true co the best of my knowledge, information, and belief. I underscand that false statements herein are made Subj ect to the penalti.es oflS Pa. C.S. S4904 relating to unswo.rn falsificacion to authorities. CITIFINANCIAL, INC. ~. I, Dated, ItH'O\ By d~;f\i) Name: Kali Pinder Title: BranchCManager ii-', \,,1 ci l.:i'finomc1a.l \ll:i.nton \ cOlnpla.1nt n ;"'f>~'l''''~II1-~,," ""_, "., '""l"' "'" - 1'- ,", c PAGE 1 -2 & ........ _....-,... ," , Disclosure Statement, Note and Security Agreement' Borrower(s) (Name and mallillg address) Lender (Name, address, cily and state) CHARLBS W E:INTON JR CITIFIWlNCIAL SERVICES,' JEAN L JORDAN Illle. 26,4 S HANOWR ST 1 V7U.l:.EY STREET SUITE :1.03 CARLISLB PA 17013 CARLISLE PA 17013 ~ 27.57 % AcCOUDt No. 313288 Dale of Loan 02/09/2001 ~ALna.CJl\rrAGl!: UTE tbe COSt of Borrower's CIedit as a yearly rate. llINANCE CllI\ll.G1\ Tbe doUar aQlOUn! the credit will COSt Borrower. AmoIllllFillanted Tbe aQlO\llll of credlt provided to BOlTower or 011 Bormwe,'s behalf. . O1a\of Payinema 'lbe 8il10UDl ~wer will have paid atlerBorro\llel' has mile an paymelllS as seheduled, S 8,319.36 3,311.36 $ 5,008.00 Pavmeot Schedule: NlIlllber of An\OIlnt of ,,~~1lIS PaY.~~!ltS .48 S :1.73.32 ~~nr~e~._ . ~~L!_..!~~:CNNING 03/,~..9/2001 SecurilY: If checked, Borrower is giving a security intetest, i8~ llU MOl'Or Vehicle rJ Mobile Home o Real ProperlY l:itl Other:MISC PERS PR.OP Late Charlie: If a pay""",t is late, BOIrower will be chatgeel a late chaige eQllallO 1 . 5 % per moDlh 00 lb. past duO amoWllIlDli1 palel in filii, mioimwn charge $ 1. DO , $ i S t_J $ " See lbe contract documents for any additional inlilnnation abOut IIOnpaymeot, clelllult, any required repayment in full before lbe scheduled c1ate, and prepayment refuuds and penalties. , i ' , ,,,' , , , Prep~IfBOlTOwer pays offearly. Borrower may be e ,ed to a refund of pan of the finam:e chatge. jddh!.o!l!!rrtmnnOriO!l!./ ..-----..'"] ", '".~:J" ,,""" ,,' flJt.SCOMPtmlD INTBRBST SSRVIC6 CHARCII DATB alA.Raes 8l;UlN ,,' ...' , ,: ):pj t Pa nt D · 3,.:~~:-=6 · __1.~0.00 _0?(~9/2001_."D~Elt:ion~orge'$N/A __'w" ....w_____... .__ _.. ,..__ __., _, .. .. (included in Fin4nee Charge n-!~f;~mSCl.OSUllE Beouired Irt'""!!l~e. If Borrower oblallls credil ii!.l.t is 'ieeur~ by liono';;';"sl.iterest in improved real property (inelucling a mobile or manufacrw:ec bome that is pan of real property), then Lelider ~es Borrower tJ>\ provide fire and ""telldad coverage for the replacement value of thE improvements. If lbe collateral securiDg the credit is a motor vehicle (iDcluqiDg a recreational vehicle, boat, or movable mobile home), Borrower Dll!S provide collision aJHI comprehensiVe casualty insurance in an arnO\llJ1 suffiqienl to satlslY ~ unpaid balance of the loan Or equal 10 the value of thE COllateral, whichever is less. AIl 8UCh policies and renewals thereof muslOame Lender as loss payee and mUllr be maintained by Borrower, unti1 lilt I Creelil is repaid in full. BOlTower may obtain:l new insurance policy"'o, provide an existing policy from any insurer 1hat is acceptable to Lender. I , Elorrower obtains the collateral protection coverage Or Automobile Physical Damage llIsuraoee at Lender's office, Borrower acknowledges that sucl : insurance (I) may cOSI more l!lall insurance that is .vailableftom aoolber insurer, (2) \ViJl oDly protect Lender's inlete.t in lbe collateral and doe. PO' I protect BOlTower's interest. and (3) does IIOt protect Borrower from claims by other persons. : ODtioa.alIDsunut~, Credit life insunnce, credit disab81ty iDs........ce, erMiI ptlSOIlal property Insurance, involuntaQ' nemployment Insur....ce, Ill!Id any olber iIQluranc:e prodlltts tbat are not reqllired pel' tbe above paragraph are optlonallD Borrower and are. not ......uired in order t< I obtain credit. If Borrower desires voluntarUy ID pJ1l1:hase any of tbese optional insIlraace PrOdnets, Borro...... most slgn below and fD otb.. I reqnired documeots md wBl receive an Insurance certlficate or policy atailing the cov""lllle 1enns and condltlona that appl, to tbe Insurance I Bonower should refer 10 the terms and conditions oontIlined in lb. applicable inSU'8Dce certificate or pollq is$ned for Ibe exact description 01 beneftls Blld exclusions. Borrower is _ragee! 10 inquire al!out CQverlllle and retnnd proVisions. ' Ilf lI1e ioitlal amount of covO\'age for credit lite Insurance and/or cr,edll personal property. insuran".,. set .forth in Borrower's insurance certificate or polic} is equal to lbe Total of Payments staled above, it may exceed Ibe ilmount oecessat}' to pay oft'Borrower's loan at any given time. Any excess insuranc, coverage amourn that may become payable will be paid to lb. appropriate pany as designateel in lbe insurlUlCe certificate or polk:y. Borrowel lactmoWledges thaI if optional creelit personal property insurance is purchased, Borr,o, wer's properly coverage uncler other policies sllch as homeowner', Or reDler'. insurance may be adversely a~led. .' ,','." ".' .,,, I Borrower's regulal' monthly loan payment ifBorrowereleets notto purchase insurance will be $ 106.01 . . ..,', i Termination of Qotlonal Insurance. BOlTower may cancel any of the optional insurance productS obtained at Lemler's oflite at any rlme \lpOl I Borrower's wrllleD requeSl for caneenation [0 Lender. If BOITOwe, is in lIelllult under lbe terms of tbIr agreement, Borrower aulhl)ri:res Ibe insurer [( '[emUna", any and/or all optionallnsurance products upon Lellcler's request. Upon termination of aoy mSUn",:e for any reason, Borrower awhotizel ! and directs Ibat lbe insurer deliver lbe premium refund, if any, to Lelleler, which will apply it to Borrower's OUlslaliding lOaD balance. Borrower bereb) irrevocably alid unconditionally assigns 10 Leeder any right, tille or .intetelll which BorrOWer may have in any premium relimd ("Relimd "). SUe! asaignmern is absolute and not intended as security; Borrower acknowledges and agrees tbat the Relunel sball be the $(lie property of Lender an. lbat. BOrrower shall bave no interest in the Refulld. Lender .grees to pay to Borrower any amount by wblcb lbe Refund receiVed by Lender exceed! the outstanding loan balance. \IlwereqllesttbefoDowingiDsufllnce: EXH1S:}T r,'A:' & '1"!'"~",,-"~l;l:ri'1'J~~~~,,, I--~~~~ ,..~~Ii"= ~ ,"" .~ ,'~""'" -,~~ " "-~~-~ ~ ~ ~, -' ~ "Ili1l ~_ """"'1l<.""'>',"fI~ , 41teSt the CoUowing Qlsut'llnce: Premium; 134.77 3.29.44 PAGE 1 -3 & Insurance Type, . . SINGLE CREDITLIFB . SINGLE CREDIT DISAB losurance Tenn (in mos.); 48 48 Q 'vi.- - , -Z::.~~1-__ Flr~irower' s Signature Pate secoJ~:';r;si;t:;~ 8~ ~ - f-ol NONS . :1.,211. 00 MODIFUllJ AS! 46 I l!___~~~.:78 S:_~~~.!._.:~':lL ~p.... .~.'=----____....... _..... "_'_ TERMS; In Ibis Disclo.w:e Statement, Nore and SecUIity Agreement, me word 'Borrower" retets III Ihe persous .~ below as Borrower, wheilillI om or more. If more lIlau one Borrower signs, each will be responsible, individually and together, Cor all promises made and Cor repaying l11e loan ill lilII. The word 'Lender" refers to Ibe Lender, who.e name and address are sho\1lD above. PROMISE TO PAY; BOrrOwer promises In pay to Ihe order of Lender the Total of PaymenlS (wbich includes preco",puled illlereSI charge.; and Service Charges) sbown above in substantially equal. consecutive roolllhly inStallments shown above, excepllllal auy approp~e adjw;1IllelllS will be made to dle first and lina1 paymeulS, from die Pate ClWges Begin untillbe Total, of PaymentS is fully paid. l!.ach payment will b~ applied to a combined tolal of lite AmOUnt Financed alld precomputed interest chuges. If any part of the balance relllains unpaid On !be lina1 paymel1lllale, Lender, at its option, ma' collect inrere.t nom alld after matlirily upOn the lhenunpaid Amount Financed at the maximum rate permitted by the lhen applicable law or, if ma:cimum rate is prescribed, men a' l11e rale of interest prevailing under this Disclosure Statement, Note and Security Agteemelll. The amoUllt shOWn as "Service Charge" above has ,been paid by Borrower as a prepaid cbarge and is in addition to the preoomputed interest on t/' Any Service Charges are earned prior to inlerest on the loan balance. Prepaid Service Chuges are not refundable 1to Borrower In Ihe even' paymeDl or lertllination of the account. (Intentionally left blank) l'A 25431..8.112001 '-'\^ . I _ ~ - 7"""'t' .Copy(CUst.OIIL8r) Borrower's InitiaIs: ( ""- /\; ;)tJ" " .'" . J ..:. ;1,';, ':j~;" ,;1, E)t!'~!B\IT ",A," ..R'\" ;;l ~ """,' ~ _ -l'~~,']",:J,i'~V" -..,""" ~I( , '--_"l~ r ""'I' ." lW :-\;,'''':'''''" 'F.'-' , CHARL~C.l~'~%N ~J~lll~6~IAL CARLISLE 3132.. P.2/5 o2/o'/200~ PRBPA YMENT: Bonower may prepaylhis loan in whole or ill. part at any lime. IfBonower prepays h1 fUll or itLcuder accctcrues !be uopaId baJaIatC because of Borrower', defallll. BOlTOWllr win be aivel! a refund ot !he uaeamed portion of the FIuaaoe Chlrac, comptIIIld by t:bc Rule of 78'1. Nt refimcl ofleu than $l.00 wiu be siven. Paniarpreplymem: win DOE result in a refund of inWtSt. . SIlCU!UTY AGllIlEMENT: o A. lfdlis box is checbd. this loan is unsecured. liJ B. If thle: box is cbeebd. to 11lC\Q'C dIo paymeDt and per(ormance hereof, Borrower aiV'eI to l.eDder a. securiry iDtereBt under !he UDifcl1ll Commercial Codc itl 8Qy property tor which I de!cripdon Is complel8d below IUUI ,U parts and equIpIDem: now or IatI1' added 10 Ihe properly and any proeeedll ofd1c ptoperty, all ofwb1eh will beeaUed "Propcny.. See below fur additional IItrIIB applicattJe to daiS security bderesl. l. Maroc vehk1el1llQbi1e holM: "" '" Malee, No" Cylil- youJ>.tO:Jde-'- ---Model No, OtN..;A --r-:: Body TYJ,erdellliieatiiinN_or VORl) 1990 TAURUS I SEDAN 1i'ACPS84X1JUS3...,76 _.__ . .___ 0"," " I . _ _"'__ 2. ~~pony; See Rxhibit A attached hereto and made a pert h~reof n C.lttb.i$ box. is cl\ecb4. Bunnowr'IJoao is ~d by a tkedQfttulltot ~eofev~_01ltt6l pn'lp6Ily -.biclIo ~ lMlder'l wdDrm coDlem to a sale or traDSfet of the encnm\'reted real property located at , See _ 1110 llto4 of T"'" or tl10 MonaaI' {or ...... eppl!oabte to LeDder18 interest ill Bonower's real property ("PtO))erty~). OWNERSHU" OF PROIf!TY: Bonower represew Ibar Ihe Properly b owned by Borrower free and e1ear of" all liens aDd 8bC11111bra.accs except dlose ~..mch Borrower Iw' nfonnctJ lADder in writing. Prior to,IOY default. Borrower MilY keep aJJd use the Propeny at Bortower'a own risJc, subjec( to pnwisi0m. d &t. Unimnn Coounec-:ial Cu4e. If th6 PtOJt'rty ~ 1. nmtm: vehic1& 01 mobile bame-, Botrower will. upoD. teqUMt, delher 1l\e ale ofdde to die moIOI' .ehicle or mobile borne 10 Lender. USE OF PROPal'rY: 'BtIll'OWet will not seU, lease, ~. or olbe:ll'ise dispose of lbe Property wi!bouI: Lender'l prior wrillen cowelll:. Borrower wW keep !be Properr:y ~t Borrower's address (as ',ahown on paaa J) UJJIes.s Lender bu srlnlUl permi$Slon ill WIidnI'tin 'lbo PJopeJ1y CD be locamd eQewbe<<, TboProperty wIU be used only In the ..... .. ..t>loh1lano....Il.o.1l>\IOU the Ptopmy Is ....... ,_, In which.... Is VIi\l be \\led ouf.l,lde !he uale 0DIy in tbt cOUrse of Bon ower's oormal we of the Property. BortOwer willlIOt ule or pennh d1e use of Ihe Property for bire of for illegal p1lfpOles. TAXES AND FEES: Borrowerwln pay aU tileS, a.uessmeats. aud od1er fees payable an the Property.lfBotrowet fens to pay'uc:b 1IIlOUDfI, Ledder may'pay sucb 8JDOUDb for BorroW8J' anct Ibc amooms paid by L8IIdm' wiD be added (po dle tmpaJd blJaDce oflbe loan. INSURANCE: If Boaawet purchatell aPY insutau:e at l.eIIder', offke. 'Borrower \PJder:staDdI md.1Cbm~. dltt (l) the IDIurul:e ~y ., be ofII1_ w;dI Lenolet. (2) Lend<,'. ~.) may be ....... Ib, the Insoranoe ,_, (3) _ _Ioyoo(') illIOl"Iil>l!" duo...... bIo"', or flduciuy for Bonower on Ibls Joan, but,naay ~,the qeDi of Ibe WIll'altCe c:omplUl)'. uul (4) tendOI' or the, iDlaiaDce COIIIpII'Q" may IeaIize lome beoefit 1kom the sale of dw P1sura.JlCe. If Borrower fails 10 obeain or malDtain aay f'OCJ\lQlI'iosUJlDCe or &U. to clesilDlIl1 an ~ tbr'ougb whom Ibe inautaDCe illO be oblJ.ioed. Lebdcr may purchaSe such requi@d,wutlUltO fiJr Bonower Ibrougb aA qeDt of Limder1. ctwlco. a1ld die bDOUbtB paid. by Lender will b'a4de4..lllc....." baIuEe ~"'loan, :FINANCING STATRMBNTS: Borrower ~I sign:ilIl'fiDllncm, ltatm:Deftts~ ~j)odmWion statemelltl, .ewriC}" iatcrcSl tiIia&:!tItemtlQq, aDd. sJmiIar doCWB8Db \with r:etpect 10 tbe Propeny Ie Le~'. ftlqttelt. .RBTURNBD CHBCK FEE: Lender may C~~ a fee not to exceed ,~2.c,~; oo~ jf.l(rcheck., I18godable order ofwilhdJawal or share lkaft is reatmtd tbr mndili;Ieii: funlJ8 or ins..flicJeDt credit. -,,, '.'- LATE CHAllGB! rfaJ\Y insWl:melll is paid more than 10 days afier Ibe scheduIedpaymem: dale, Bottower apee.& to pay a Jale elW'ge equal to 1.S9E pet 1'lIODIh Olllbe past due aJ'I1OUIC IIDIil k.is paid ill fbIl, with a .ulnlmum IaIt c:har8:e of $ 1.. 00. Lender may, It ibI option, waive aa,y IMe cherge or portioll dtcroof widaout waivin& jq rJaht to requite a tale chuge wish regard to a4Y o~ IIlltJ pa)'DIIW. D~ Borrower agrees f!l ply a ~termem:: cbarge equtllo..J.~," ~,.mo1l1b OIl dle amount defe.m4 for Ibe perilld of defiumeDr If Lender, ill it!; 10 be ,agrees 10 allow Borrower~ UIIOD Jlorrower's teq,detot, to de&rpl.ynt:aDtofaat 1Ilt1Dtb1y ~prtar to Grou.,ksduadae whhcu Borrower beiDa COlllldered 10 default A:4f such de&dDei:d: will examd the fiDa1 paymeot date by 'OM mioDth fOr eadl. defermeJu: a..1bo1'ized by Borrowfll' aDd Lcndct. AU otIulr Iemu; and, condldons' of the Dilclosure Swemeoo No~ aDd Sec:urlry AlJfOCIDMt inctudioa: the u:plradon daIei of iDsw:m=e covcngt!ll. remain uochaaaed by autbori:zed de!enneJltll. LOAN CHARGES: If a taw dlat applies to ebb loan abd!bat UtS ntaXimum laU1 cbarses. is fisla11)I inletpItted 10 lbat tb.e ~~ <tt other Iou c:1wpa c~ll or "" be C<lDecled in coDPeedo.ll ~ dlis,loan, exceed cbe '~~'.'limicI, l:ben (I) any sucft loan obarp ",m be nxIuced by Ibc amoUlll: DeCelSuy m redUCe. 1M ehuge (0 tbe penuittIld limit, and (Ii) any sums aIrea4y col1ected from Bon'o'\lf8(' dw exceeded pennJtte4 limits. be I'8fttnded to Borrower. Lender may chOoSe to make tIri$ refund by reducing lbo J)rinc~aJ owed UDder !bq.1oan or by au.kiIia a'dimc1:payment to 8orroMl'. Jla rofunll reduces prinClipal,-Jbe reducdon wfI1 b$,tteated,p a putial prepa.)'IDenl: without 11I1)' prepaymeDt charge. DEFAULT;Bol'TOMrwWbeindeflw1t,~ ,,: I. Bormwer 110M DOt make my 'JchecfuJed pll.ymed on tImll; , ,;. 2_ Borrower is (or IDy other penonpucs BortOwer) ill banbuplct.lnsdlvetu:y or tcCCivershlp, 3. ADy otDo'..",,', _ i1lempls by legal proce$' flllakc IDilkeep Illy property ofB.rro_, illcllldiDg 11M Property '........1Ilis loan; 4. Bonower ftUs to :IidfiII all)' promise made UlWler Ihi3 agreement; or S. ~~:' ~ jlDY:~,E8~~, -!'fortaue or n:' of,T~t ~:~h ~:s tIU5 loan or WIder any od\er mortpge or deed oftto,t on the If Bormwer defaults. LC8der may roquirt: Borrower to repay the entire 1lIlpaiis Principal ba1aoc:e and any accnr.e4 I=reH ae OIIlIe. 1..eDder'. fdIore to exercise or delay m uerclIm, III)' of- III rjghq, wben defa\,l1l OCCUB dot,,', oot'coasdtu1e a waiver of those or any other rigbts ander Ihk aareeom,ent, HOllOwer may allo be tequircc110 ~ay'reasopable attonmy'. fr&, courr,COBtS, and.dIe actUal and nUODllbJe expeDIOS ofrepossee&ma, storiDg, aDd seUma the Property whir.b leWIe, the 10m. liFFGCTS OF DBFAULT: If Bonower defll~lli. Bo~wer wi~ delive!,~~ PropetEy io Lender or, UPgD LewW.s demancl, assemble die Ptoperty aDd. make It avallable- to J..c.nder at a reasonably c:onv8llient place. Leader may; wlmow: f1te'11ioU~ notice Or deawad md wIrhouI: 1e,gaJ proc:eas, peacefiaDy emer any place wre the hoped)' b located and fate JlOue.ssioo of if. I.ellder may diSpole ofibe Property in any way it wishes. mbjdCl to applicable ltale law, " ( ~ _' ',- " The ProperlY may be sold with notice at a priVate or public sale M a location chosen by Lender. At BUCh a 1a2e, Lender may putdaase dII Property. The proceeds of die sale or o1het dispoiition, minus Ibe expemas of taking: J::emQv)og, ,J.1oIding. repairing, aIIlI .telling the Properly iDcJwIlog realOUble. amrney'. feei, UldIl1imq Ihc ClntotP:tying offand. removing anyUens orc:lalm! Obtbtl Property. wlnbe ercdl~ 10 tbc _aid balaDcll ofBoITOwer"1 loon, H Ibo proceeds of Ibc sale are DOt sufficient to pa)' oft'the eadrc balance pluri 'OUI, 80tr0wen a,eree to pAy dul remalaios .lUlIOUOC upon deanand. If 'Borrower hu left o1her PfOPIl1lY in 8m fCJ)01&"e&6e4,Pfopo-rty, Lenckr may botd,SU:Cb property ~ lot Borrower w'ilhout my respollShll11ty or IiabililYfurduopn>perly, , Notiet oflbe time and pl;lce of a public lIaIc::or"norice ofdE time aflBr"wbicha private ,ale or other disposilion ofdle Property will oceut it rca.sonabJe if lbiiled co the Borrower's addrfs5; II; least ftve'days before tbtI aaJe or~,diapa,iIiop. Tha IIOdot may be mailed to d\e Borrower's Jut addreSI .bown M. Lehde1'...,.,....'< ,"" .'. , B' ._u_,_ N'.J,j.- ~~ onower s WILIoUII: ~ PA2S431-8 11'1001 _)~-"r. !i!RYt,~taae~) Pi 20f '..( . ;"";~'\j'~":':I';~B' ,'.,:-"f ~''''~,:,~);i\}'':.;'i:l ~ ,:. ,.' c'!>,~__> ._'" ,<<,.." , 'IA.'~ ;',:11 Ill.. "&-il"':;_"~~_ 0_ =_c,~IOO1I'11~ ~ ,~!~ ~d"""- , "'"~,- l-1f~...~-. ~ ,,~-" ' . ~"~"~ \'Ill N;.,.....~.."'.~~,~ ."'l~ ,,"'~,=,J~',c, DEC 13 '01 09:4_ CITIn_CIRL CARLISLE PI 3/5 CHARLES- W HINTON JR JRAN L JORDAN 313288 02/09/2001 LAW THAT APPUBS: Pennsylvania kw and. ftderallaw, Q applicable, 80vem thk nisclos\ire su..... NotelDd Security Agreement. If lily part il unenfottcable, tbh will not make any other put UlICdmreeab1e_ In no event lViJl Borrower be ~ to pay imereal or charpl In eJ;teI$ of Ihosl permitred by law. ~ , . OTHER RIGHTS: Lender may accept payments aft&t .ms.turity or aft<< a defaoJt. wldumt watviIlg its; rithD with teSl*t II) my '\1hsequ_ default it payment .Porro~tr apeel that Leodet may exflmd dmo for payment after matUrity without bOdce. lbo IemU of this agreemem ca:a. be WliYed 01 cbaaged only In a _ .igned by Louder. Where the conrext requires. singular words may be read in the plural and plural words iq Ihc SioauIat, aDd ~ 10 lb8 masculinel lender IQaf be read II) aWly to !be felninine acnder. OTHER TERMS: Eacb BolTOwet under Ibis Disclosure Statement, Nore and SeeuriJy Agmmellt, if mom IIwJ oue. agrees that Lender may oblair: apptonl from one BottOWtr to change the rer&ynulI:d: leaDS and release any Property aecurtng die loan, or add parties 10 or release paRies ftom tbb agreement. without notice to IDY otbu Borrower and. wi~t releasing any otber BotJ'Ower from his rel/lpoasibDies. Lender does DOt have to uotif) Borrower befote insdtudDg snk it tbe IlOIa is not paid, and- Leodc[ can lue my or all Borrowers~" ~~ an)' Bonawu. \ Borrower, eDdcneu. sureties and: guaran:ton, to the extc#1 permitted by law, lev~ waiv, lbeir rlsht to requifC Leader 10 demlmd paymebt 01 amoUntS clue. to give notice ofamourns dwbave I20tbeen paid. 10 receive notice ofany extensIoN ollime Iopay-which~~ 10 anylklnoweI aDd to require LendeJ,' to abow particular diligence in btingiDg suit apbut myoDC responsible fOr repaymeJJ:I ofdlis loan, and additlcmaUy, waive benefil ofbamtlitead aDd u~tiDn b.~ 00"" in befI \)t later eDRted. intl\1di:Qg s\ay of CXIICII1ioll and.~, on any ~erty securm, I1PIlom ao6 waive the beMfit of VaJ....tiod and appraisement I ' ! This Disclosure StatemeDl:. Note add Security Acreemeru: shall be me joint and IevenJ obligation of all mabes, lOudes, pataDlOIs IIUI elldol'lC!1l and ,hall be bin6ia& upon them. their bt:1rI. $uece&80rs. leaal representtllves and. ass_. If any part of the Disclosure StateJnent. Note and Security Agreemenc aDd, if appUcable. Ibe M'ofll&-&' or Deed of TtIlS[ lIftS accompaoyma Itemization of AItlouDl F'uwaced is unenfon=eable, Ibis will not make aay other pm UatCDftm::eable. REFINANCING: The aveOO1 CQat of refim.ol;in&, an e1tisq 10m b~ may tit greater than. the. cost ()f R:e9ma IIhe eutiag 10m ud obtainiRa a secolld loan for any additioual ftmdJ Borrower wisbea 10 borrow. NOIlCE OF ARBITRATION PROVISION nus 4lUlITltATION PROVISION PIl.OVlDIS TlfAT ALL DISI't1I'ES BKl'WllEN BORROWER AND LENDER, I1.XCIl'T THOSE SPECn1m BELOW. wn:..L BBlmSOLVElt BY MANDATORY, BINDING ARBJ'l'BAnON. YOU 11IUS GIVE l!1' YOUR RIGHT TO 00 TO COUKl' TO ASSERT Oll_ YOtJRRIGBTS (EXCIlPT POll MATI'EIlS THAT AlUlI1.XCLUDED FIlOM AllBJTllA110N AS SPECD'IED BIlLOW). YOllI'. RIGHTS WILL BE DEI'IlIIlIIINED BY A NEIJ'I'llAL ARBITRATOR. AND NOT A .IllDGR OR. JURY. YOU AB.E ENTITLED TO A FAIR HEAlllNG. BUT T8E AllBITRATlON PROCEDUIIIlS AB.E lIlMPLER AND MOllE , "~ED THAN RULES.APPLICABLE IN COUB.T. lb tomidtralion of Lendet nDkins the ~ of trt:4i1lksotibed aAove lad olber good aD4 valuable corWcleraliOn, the receipt and. lR111'icicIiCy of wbieb Ie aclmowled,cd by bodt. patties, Y~lUIll We agret.1batekberYoq or'We bt.ve anahiolute 1'J&m1O demaad IMCIDy Cb,lm be su1JmiqecJ 10 atIo 8Ibittator inaccordanee with Ibls A.rb~tioa Provision. lfeilher You or We' file a Iawsuir, counterclaim. or 01ber actio.a hi toUt&. iIbe otherpany bas the absolule ri,ln 10 demand arbj!nltipnfollow.h~g,~ ~ ~t $UCb,actioPi ,j.. DeIIaIdoIaI fol' Arbikation Pruvidoa, At. Uled in tbh Arbitration l'rovlsJoa rProvisioo"), the- fbUowiDg ddinldons "m apply: I "You" 01 "YOUI" meatlt any ouU,of B,orm:~r(s)!?Nho fl'~ 1h1.I,D:ltt~,WC S~, Nqre and Security ~ aud lbeit heirs, Survivon, I assigns, and reprase_t:ives. ;' . ,':: .We" or "Us" DUlUIIIhe Lender under Ibis, DiScJosure Sratemenr:, Note mil Sceurity Agreement, AmerIcan Keal1b II: Life: lasurmee Compmy, Trlroa lmutancc Company. lmd any a,nipr:e ot~. lOI~ ~ all of,lheic re~pectlve corporalC parears, subs~. af61iablS, pre~, assignees, IlUCCeSson, employees, agClltS. direcfOrS, and officers (wbelher "tiog in Cbeir corporate or iDctl.vidual capacity). '"Credit Transaction" means any one or more. past, present, ar IDture extenSion. &9PllcatioA., Or mqwy of credit: or forbearant:e of pa)'llWlt s'llCb.u a lOan.telailoredk~orotberwbefromall)'ofUsIOYou. ' . .CIQm" means aD}' case, coarrovetsy, dispD~;tDrt,:disa~ IawliUil..,or'c;lairJ).nDw or beteaft:erexisdo& berwcctl You aad. Us. A ClaIm lDclwfe3, I ~ n:-':~=~~:'I ~:~ ~1trabUi~ '~f any'~ '~~lIam to ebb ProvitioD, ~h1dJGa buc IOllimirtd 10 !be scope of dJJI I PravWan and any defenses ~ enf~. oftb:b ~o~isto~: ',,' " I 'Any CJedit TraI1IIlCdon: , ., _, '.", Any pair, preselH, or future ioSurance; setvice: or otber pro4w::t dw is offtred Or purchaaed in coDMCdon wilh a Credit TraASacIioD; Any ~ems or i&tnanenCs lbat CODt&io ~n,a~~ ",y,C~ Jraa5JCtion. iDsUtaate, serYJce, or p~ . Any aCl or omlulon by any of Us; ,"I. L, .: '::,:: ': , . Fraud or misrepldentatlon, lDcludma claims for failing 10 disclose nwerial fa,ctl:; Any federal Of ltale StalUle or P)8\1WlO:D; or any tUeged "lolatiQa~eof.1DcJudlng WiWM limitatiolt iDsurancill, uSUI)', llIId IeDdbag Laws: Atly pJrly's ex.cwIioD of lIIi8 Provblon andlot wilIinsoess to be bound by its <<etJn$ and provtdons: or . Any dbpate abow: doling, lSI'Vicing"eolleCtiag, or eafuRinla Credit Tranaacdon. _ to Arb_ CI...... Upon wri.... re~"",l>y ';!\>or pany ,lIlal,1s .._ ,ecOJdin& In tbO applicable_ for O[biIrallnn. alll' Claim, except Ibose lpeeified below in Ihi& Provision, shall be JlIsolved by bJndIng: llftltrat\oa, m ~e wiIh (i) the PedeaI ~ ACt, Cii) !be F'lIWIClal Service!J Arbilftdon Rules and ProCedures 'of J~ta, I:nc. C" Administrator"), aDd (ill) this ProvJJion. ua1ess wo bolb. lIRe in wrltiDc to 10110 arbitration. The tenns af ibis Prov:lsion lball eoDlroJ any IDCODJisleDC)' beCWCCd Ib& ndes of the AdminIslntDr and tbiIl 'PI'ovis19Jl. You may obtain a copy of me mittalion rules by cll11ine (800) 448-1660 or by acc:esaio,J the Admiaisttalor's internet site at www.jaDl$adr.camJliDancial_rWes.asp.At 'Y~Ul reque&l. We will obtain IlDd provide to You caple.! of the ~'s ruIeI and Olbet mareriaIs. iPcludiDs . funn Denuutd 1br ArbUndoo, Any party to this Ptovjslod may brillrg an action, iDclllding a &um.mlJy or upedlmd proceediDg, to ~ ubifralioo 01 aJ\y Claizn. ancubr'to stay the litigation of UI)' Clllim peoding arbitration, ill any court ..Iug jurisdicdoll. bb aorion may be broueht at any time, even if a Claim Is part of a lawsuit. up ul\til the ellt[}' of a final judgment. hrStW:lt to this Provi5ion, You and We "so agree 10 .ubm\t to I fioa1. binding arbitration DOt ool.y all Claim.!, but aho my ctaim or dilputa Y(JU Gr We have agai'l:lSt (i) aU penom;. 01' ~ inval.,ed 'tVith my Cnldit Ttansaction Ot any otbel' maller coveted bY' rbis Disclosure Swemeoc. 'Nott and Security A&reement. (11) all penOIlS Who Ilgned or euc\Ued any doc:umeot relating to any Credit TtaDlIacdon'~r Claiol, and (ill) aU petllOfl,S or entldes who may be joindy or SC'VenlI)' liable 10 eilblllr You or aD,)' ofUI rclardb:l& any Claim. : .:- " " ,-, ,I, I' ~ Jqrnem upo1lo any ,tb\,tnliol) award. may be- emere4 m any ~oun Uv. inaj\\lis~. If timely uquesltd by eitbeJ- pal1Yt 1hft III'okraIor Jba11 provide a briefwrUlm IJI!emebt oflbe reUQM foranyaward.:' ",.'" ,',.", '. " , '[ CII_ bdudtd h-om ArbltratioP. The fbiiowlDg type. of matter. wiI11JOt be arbltrued. T11iI meam lbal Jlehber ODe of UI caD require die olber to arbitrate: ' , Any action to effect a fotee1Qs'Urt 10 ,!t,a:llSftniUe 10 1hc (lrop~, ~~ rorc:~sed, or cxe'tDise of exua--judicia1 or self-help tepOuellioa U1Mler app6cable law; or '~'" ...,' .'--" Any lI1lRCr where aU JW1le8 collectiv.ely (incl~ multiple IlIIDl!d.PlI.ti8!) seek mtll1lll'Jry relief in !be awe,i1e of 515,000.00 or less ill total relief, mcluding but nor Jbnfted to coiiipensaiOty, 9f:llblrOry ancl puliliiYb'damages; restiMion: dlsgorgemem: costs and feeill (lucludlDQ; attomeyl' tees), or any Clairrls 'bro.u.g,ht in a. s~ tIa.lI:wil COQtt, In the event You utmnpt to ulert any of Y01Ir Claims. on 'behalf <If a putt,b"'Yc clas& of pctSQtIIj, in violation of ather tenw' fu this Provision. EI1e vatue (If YtJur Claims will. for purpal/el af Ih1t exehulon, be deemed 10 exceed $15,000.00. ID the CllenE tbac uy pacty fails to specify the amouDI beillg sought for uy relief. or any form or compODeul: of relief. the ImOUDt bems loua;ht shaD. for pUtpo$CS oflhit' e70c:lusiod, be 4eerocd to _eel $15,000_00. However, sbOuld either party jnitiate arbib'atiaa, me-olher party, at fu option, may leek lJUum:tive,.oo mouetary relief in ubitration. Ptrlicipatia& iD . ::::~~:~ttO~nf~ uc.o~,by' 'nun <baR ~~~:~t::::::~ C~ Bmrow~'s hdbah; fP.J~.Paa1:~ ~ "";" ',1:', l') I "CO i," .. .~, " rJ' .j' co ,.: ,~" EX. '.:11 !D. IT I'A" 'r:~' E:Ji 'I I" 1(';1,liilj ell .~ , ",!W~~l'!ffli1mflIW;!!"!~~i~~~ ",' ,~ n',~m,., ~~ .,_~,.:.t.~? ~","",mJ"'!I!Ii'f'!lf-, ~ " '.........~"",,.,..,., l: ~C.lll';'~1:,~ 'mi4W]t;r~6~\:,rAL CARLISLE AdtUtioaal TerIII8, Adnri~tion of Arbirr.c-lo.Q. Arbitration .ball be edmiJJillered by lhI AdmioiatrafOf. but if it it UIIllb1e or umvilliDg to admlnlsler Ihc arbilrJlion. then Ametiean Arbitradon AseocJadolt wiI1 adminlstet any arbitndo. mquired UDder tb1s Provision pudUlDllO lis CommlfClial Arbkradon Rules aad &pedhed '.Proccchltes. The ublttalor shall make his or her declaloD in KCOI'clauce witb die -WHe@le law, md .baD be ~ to a\VUd any da.fDaFS or other re1IefptOYldcd fur under me applicable la'P. Place ",f Arhitr.tIon The arbitration !balI be C1lDd~d In the COUfdy ofVriur resldeDCO, wdas aU parties q:ree lO anolber locarlon. ~ BiIbtr Yon or We may appeal the arbkr2mr's all'AJ1l In ICCOrdance wilh!he OptioDal Annis Pmc:edure, of'lbe Adminimatm. and. !he award may be sobjeeJ Iojudlclal R1yiflw on tbc gJoundJ atamd. in 9 U.S.C. fi 10. No CIll&S AC~mJNO 10iDdet Of~S. Yw agree dw aoy ubitration proceeding wUl DIlly cooai4er Your Claims. Ctaims by or on bebalf of odlet borro~" w dOt be ubltJated aD)' proceeding that Ii coaaicleriDg Your ClaIms. BecallSe YOP have agreed to arbbrare aU Claims, You may not serve III a clau ~ve or pardclpJle as a clull member In a p\llltive clas. acdoD aaa-iDst any puty endded to compe1l1'bto:allotl. Udder tbk ProvisJoo.' I Denoskions. Ab a demand for wimon is made. ....ou IDd We may conduct a limita4 D1;JIDber or deposifiDDI by IDUDJa1 agteemUt. AnJ: dllagroemenm conct.rJlina: the taking of dep(lSiIiollS will be resolved by dae erbikator.' ' COlb. the eost of any arbliradon proceeding sbaU be divided ~ foUows: --=The party makin: detoaad upon the AdmhUsttaw for arbitration .~I pay the initial filins; teo lIP 10 SI25.(X)'tn Ole Admbwnratm "flieD die demaocl is made. We will pay any balance. . Vie win pay 10 !:be Admlnistralllr all oat COilS. for the ubitradOl\ ptoc:eedme up to amaximWD ofona day (elgbtho\tnl) ofbearinp. . All costs of dIo arbittation proceedinJ dw e=ed Olle day of bearings will be tdvlJlCed by die patty !bat bdtlated th& arldtntioD. T(I the 01t1e1lC aUo'Ptd by the applicable arbitration rules and applieable law, the ubbratrJr may laX or lUaen CC1lt1 ohbe arbitration to my party. . IJlIhe ease of an appeal, !he appealing party will advlUlCe aoy costs of initiatiog an appeal. Tbe DOD-prtvailina: party &ball pay aU eo.sts, fees, atad expemes oftbe appeal proceedm, and, If applicable, shall reUnbune the preni1iD& party for !be C1lSt offiliDg an appeal. . Each parcy sbaJ! pay bisJber own auorney, expert, and witness fees and upetisee, unless olbetWe required by law ot by other 1enJ11 o(1bis DilIclo$ure Swcmcm. Note and Securky AgteenteOt. Governia, Law. This Provision is governed by federal law aDd by the Iawl of U1e swe where the closing; orlbe Credit TraDIlacDoa toot place. but only '10 the tkrent that such 8tl.te laws are consistent or compatible wilh federal Jaw. Severabillty. H the I.rbitrlllOl:' Of any eourt determinea that one or mote tetm!J of 1hI11'rovisloo or the arbilradoo rules are wteIlf'oreeab1e. or would make !his ProviSion unenforceable, oldy such lennS(S) shan be de~ unenforceable and IhalI be: "eeMtd .1rickeD &om dll, Provision, buI sucb , deten:ninadoo shan not impair or Iltlect the enforceability of the ether terDl5 of lbis: Frovillioa or tbll- ubtln.don MOB. Special ~. You IllldentaDd ad ackDowkd&e by IIgpiog Your aame to Ibis Prollsloa dud (i). court and/Olr JIII'J' d.Mbear or deddtl .., Claim coven.ed by tbII ProWlIon, 60 the fuadiog for ~oui CmtIt Traritadloa will ,come ID whole O:!jiD. art &om 101U'DeI _Ide tIris state, wb1ch will CODIdIute IIlW-statCl tommetce within dae meuliDg of tbI'uaW'Sbtlfa AQICrdoD .uti' U.S.C. Ot4. (Ib) dI8eovw1ID.. arbltralioD proceedIag taD be much mon lbaited than In Il court proeeedfag, (Iv) rI3fata to IPpellllUl arbllradon It'e v~ IbI&ed,. ...... (9-) the rights 01 the parties henua.det may DOt be tQdIJ ",utQaI fa.u RlpedI. READ TIU! ABOVE ARBITRATION PROVISION CAREFIlLLY. IT L1MlTS CEIlTAlNOF YOW RIGHTS, lNCLlJDlNG YOUR RIGHT TOOBTAlN REDlIUS THROUGH COURT AC110N. . ':':;,~ -_.~ , .~~o~~~.~ '1':',". ' 313288 P.4/S 02/09/200J (SaQ -BorroWlIt' (SolI) -Borrower --. .. -.--. . . -. ,. The fun._ DlllK:e applE. only li.~ 00' i> -~.IJ ~-' " ",'-'. ---;-~oo.l(:i-'" - -.... .' ANY ROWEll OF TBlS CONSUlIIEB. CIlI!DlT CONTRACT IS SVDJECT TO ,U,J.. CLAIMS AND DEFENSI!S WlDCR TIIIl DllBTOR COVLD ASSERT AGAINST THE SELLER 011 GOODS OR SEIlVlCES OBTAINED WITH THE PROCllEDS HEllEOF. RECOVERY HEREUNDEIl BY THE DEBTOR SIIALL NOT IlXCEED AMOUNTS PAlD BY THE DEBTOR HEREUNDER. . , --"-' ~- - , - ~. '.. ., - By slgnm, below, Borrower agrees lo the _ eqntaioed ~,'~~,~ijldceS J:eeCipt of a copy of thI.I Dl.acIotute Sla1cmtDC, Note ml SecurIty -'" and, If appllcable. Ibc "MorliAM" Dr Il<ed Dr Trus, ... ,,"Dr, iti4, ..coiDpaDylng _.... or Amount I'bw>oed, and audlorizoS tho :='--=$t" ...... -~ - n___ . ,'" -e---'~ ,-- .... ,,~~ -~- - . -- _n 71~' A ""'- '1 I ...JEAN JORDAlII' ,. (SaI) -HoIlOweI' (Seal) .Bonower (SaI) ----BOito... ."...~-_....:.:.....:,\;.. ~~,." ' _______".." ...In' ~~___._~.'. ,.: .,,1..', . " ~'_.._- '...- ',:.;;"rn ~,I' r. n ,:;Ei. !,I:! ." ,;':' ~ ) ,I,' . ::~ ':''- ,;\,1' .J:' ';"-' . \.',!'~ ",:.;,-,,'.:~ ,..II:',"":;', 1'.' 1.1) .,:1-':: S1- '~~i." " JariaiDalI.~.R~.l CQpl'l.,CU.-...l hte4of4 PA ~1-8 112001 >i0~Wkf<'!', ,='.", _ _~ ~'",,"'"~V"_ J I~" -~~ ~ " ~ _" ,~ ^'~"'9~~~ il'f <_"v< CITIFINANCIAL SERVICES, INC., Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA vs. NO. CHARLES W. HINTON, JR. and JEAN L. JORDAN, Defendants CIVIL ACTION - LAW CERTIFICATE OF SERVICE The undersigned certifies that on the date indicated below, he served a true and correct copy of the foregoing Complaint on Charles W. Hinton, Jr. and Jean L. Jordan. Service was accomplished by depositing the same in the united States Mail, first class, postage prepaid and addressed as follows: Charles W. Hinton, Jr. C/O Cumberland County Prison 1101 Claremont Road Carlisle, PA 17013 Jean L. Jordan 218 N. pitt Street Carlisle, PA 17013 Date: December 20, 2001 YOFFE & YOFFE, P.C. ~lIJi "Qum Attorney for Plaintiff 214 Senate Avenue, Suite .203 Camp Hill, PA 17011 (717) 975-1838 Attorney ID No. 52933 citifinancial\hinton\certsvc 'ot,c~~~ , ~'-" ., "~~I~ ,~, ~" ~ - ,~. -' .- '" "" -,-~~'~"~ - 0 c 9 C ~ C1 -un, '-q rn!'l ;::--j 1"- ~.-;-. A-r._ ~S~~ ;".:1 rl1 0", CJ -<",-,- ~d ~C) -0 , ;e~ :x ~~5'::;1 be; "'/1.. ') t..J ~:-.~ rn )>'C '~j :z: -, r:- >- =< ::rJ (:0 -< ~ '...,.="~ ,nffiJIHLm;:rr.l!:,_JIf'Iil-M9!Il!:lJ~ ~f1m~~.~'I~~W'~.!fi\'li~-imnW!H'''''~''k''''; "i!,~"l',:'~,f",'--" '.-~ "-;Tc!_";;-ei:d"'''''P--<'''";1#1~~''Wf'",',?'y,r,_-w~ :'l"'" ~#',l'hi~-i'I,~;~1!!<t,~'\jjW~?i', "~, STATE OF WISCONSIN } B C SS. rown ounty -.=,.N"~"'~~' ''1- !~,~ - f, """"1"'1~~, 0-" , ~"l''1',!n,m!l!I!l" ,- OFFICE OF CLERK OF CIRCUIT COURT I, ___I'~tt~h'!_~!l9.tt~:r:!=___u_____________~__h Clerk of the Circuit Court in and for said County, do hereby certify: That _____<::!!::;-J__~t_~_R.:~J__1!l~_:r:____________c___ Esq., whose name is subscribed to the certificate of proof or acknowledgement ~f the annexed instrument and thereon written, was, at the time of taking such proof or acknowledgement, a NOTARY PUBLIC in and for said County, residing in s:U,~ County, duly authorized to take the same, that I am acquainted with the handWl(iting of said officer, and verily believe that the signature of the said certificate of proof or acknowledgment is genuine; and the said instrument is executed and acknowledged according to the Laws of this State. . In Testimony Whereof, I have hereunto subscribed my name and affixed the seal of said Circuit Court, at Green Bay, in Sai~dty and ate, on this ____n"'_t____m_____day "J~ _ \~{q1?-~~--~9-QL---__---- ________________ ~,b _ ~-----ClerkofCirCuitCourt By _____________8)' 0 ep\'lY Clerk of Circuit Court - \,,'_t~' ,r 'H,LC,". -- -- ",,')",> ,,' ~, -" -, ,'~~ ,-' ,.'" / , j"'r'l'