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HomeMy WebLinkAbout01-6010DENISE M. ANDERSON f/k/a DENISE M. SZYMCZAK Defendant SUSQUEHANNA VALLEY FEDERAL CREDIT UNION, : IN THE COURT OF COMMON PLEAS Formerly Known As WEST SHORE TEACHERS FEDERAL: CUMBERLAND COUNTY, PENNSYLVANIA CREDIT UNION : Plaintiff : : NO. Or- hot 0 : CIVIL DIVISION - LAW 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 HAVE A LAWYER OR CANNOT AFFORD ONE. GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HE[~P. CUMBERLAND COUNTY BAR ASSOCIATION TWO LIBERTY AVENUE CARLISLE PA 17013 (717) 249-3166 SUSQUEHANNA VALLEY FEDERAL CREDIT UNION, : IN THE COURT OF COMMON PLEAS Formerly Known As WEST SHORE TEACHERS FEDERAL: CUMBERLAND COUNTY, PENNSYLVANIA CREDIT UNION : Plaintiff : DENISE M. ANDERSON f/k/a DENISE M. SZYMCZAK Defendant : NO. OI t,.¢,10 : 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 l 1,200 l, upon a cause of action of which the following is a statement: 1. 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 1701 l, 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 S~eet, 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 tree and correct copy of said Loanliner Application is attached hereto, marked as Exhibit "A" and made a part hereof. A:~27611COM.WPD:16Oct01 4. To fuaher 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 Loanliner 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, Six 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 par~ 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", "B" and "C", 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 Defendant to 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 9. Plaintiffhas fi'equently 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:L27611COM.WPD:I6Oct01 2 WHEREFORE, Pla'mtiff 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, PA 17108-1848 (717) 238-7151 Attorney ID No. 18041 Attorney for Plaintiff A:\27611COM.WPD: 16Oct01 3 Application 1213 Slate Hill Road Oamp Hill, PA 17011 (717) T37-4152 ' · HOW TO APPLY · Please complete rea sevens t ii, rough& , Be sure to check all applicable boxes ..... · Sign section 9 · Return this aDolicetion to the Credit Union 1 NOTE AND COMPLETE STATEMENT OF INTENT 2 APPLICANT INFORMATION 3 EMPLOYMENT INFORMATION MILITARY 4 REFERENCES Please include Street, City, State and Zip. Check the appropriate boxes to indicate the type of account(s] and type of credit for which you ere applying. Married Applicants may apply for a separate account. [] LOANLINER® Account/Loan [] Credit Card Account [] Individual Credit: Complete Applicant section. Complete Co-Applicant, Spouse, Guarantor (referred to as "Other") section: (1) about your spouse if you live in a community property state (AZ, CA, ID, 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. [] Joint Credit: Provide information about both of you by completing Applicant and Other section. You REQUEST AN ADVANCE OF $ Purpose: Collateral: Repayment: [] Peyro[l Deduction [] Cash [] Automatic Payment [] Military Allotment [] ~ Credit Disebility Insurance Check coverage(s) demred. The credit union will disclose the cost of this voluntary insurance to you. A separate ~nsurance elect~on which discloses the terms and condibons must be signed for coverage to become effecbve APPLICANT Please print in ink or type. NAME (Last - First - Initial) [] CO-APPLICANT [] SPOUSE [] GUARANTOR Use "SAA" if information is "Same As Applicant". DRIVER'S LICENSE NUMBER/STATE ACCOUNT NUMBER BIRTH DATE HOME PHONE SUSINES~ PHONE/EXT. ENDING DATE IF EMPLOYED IN CURRENT PO~ITION L~SS THAN FIVE YEARS. COMPLETE PREVIOUS EMPLOYER NAME AND AOORESS STARTING DATE ENDING DATE NAME AND ADDRESS OF CREDITOR(S) OF DEBTS PAID OFF NOT LIVING WITH YOU TELEPHONE NAME AND ADDRESS OF CREDeOR(S) OF DEBTS PAID OFF TELEPHONE NAME AND ADDRESS OF NEAREST R El-ATt VE RELATIONSHIP NOT UVING WITH YOU EXT-TTBIT NAME AND AD e~ E~-S~)-F PERSONA}"FRI=NU --NOT A RELATIVE 5 INCOME INFORMATION' EMPLOYMENT INCOME OTHER INCOM~ $ PER $ PER [] NET [] GRO~S SOURCE SHARE DRAFT OR NAME AND ADDRESS OF DEPOSITORY I SHARE DRAFT OR ASSETS $ $ $ NAME AND ADDRESS OF DEPOEI3ORY ~st all a~ ~umbe~s)-- ltlach other $ YES NO ~hsete if 7 ~D ao.m~eE TOTALS DEBTS In addition to Rent/MoD'gage list all other debts loans, credit cafes, second mortgage, home assoc, dues, alimony, child support, child care, medical, utilities, auto insurance, etc.) separate line for each credit cerd and auto loan. Atlach other sheets 8 FINANCIAL INFORMATION These questions appiy to both Applicant and Other. HAVE YOU ANY OUTSTANDING JUOGMENTB? HAVE YOU EVER FILED FOR BANKRUPTCY OR HAD A DEBT ADJUSTMENT PLAN CONFIRMED UNDER CHAPTER 137 HAVE YOU HAD PROPERTY FORECLOSED UPON OR REPOSSESSED IN THE LAST 7 YEARS? ARE YOU A PARTY IN A LAwauFF? ARE YOU OTHER THAN A U,S, CITIZEN OR PERMANENT REalDENT ALIEN? IS YOUR iNCOME LIKELY TO DECLINE IN THE NEXT TWO yEARS? ARE YOU A CO-MAKER, COIGIGNER OR GUARANTOR ON ANY LOAN NOT LISTED ABOVE? FOR WHOM (Nam® of Ot h~'*s Obligated on Loan): TO WHOM (N&me of Crm:litor): You understand that when applicable, a Personal Identification SIGNATURES Number (PIN) may be issued. This PIN, when valideted will allowyou, if there are any the co-applicant and any authorized users, to acceSS your credit union's CREDIT CARDIATM accounts through participating Auto- important changes, mated Teller Machine (ATM) networks, subject to the terms and you will notify us disclosures of the Credit Card Agreement and the Electronic Funds in writing immedl. Transfer Disclosure for CREDIT CARD/ATM Access Card. You ateiy. You also ... understand that use of your credit card will constitute ecknowl- ~a?r~e~,to~,n=o,,~ ~s edgment of receipt and agreement to the terms of the CREDIT .... · '~'=~. 't' CARD/ATM Access Card disclosures. or employment f/~ ' ,~ I ['~ .,~ / , ,ithin a re.$o,eb,e x llmethersefter. APPLI~",~I'r'BsiGNATURE ./ -~,)~ ~,) / ~OATE 10 A.RROVEO $ UNION I~ LOAN OmC'S~ ADVANCE APPROVED: [~] YES [~NO INFORMATION [~ CREDIT Couun'rEE on OTH~ [~ OUTSIDE INFORMATION CONSIDERED: this section-- You also promise that everything you have stated in this application is correct to the best of your knowledge end that the above info~netion is a complete fisting of alt 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 end 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 mede to Federal Credit Unions or State Chartered Credit Unions insured by NCUA. X OTHER SIGNATURE DATE $ $ for credit union DESCRIBE COUNTER OFFER: Check applloeble SPECIFIC REASON(S) FOR REJECTION: box(es). 'edGNATURES: DATE DATE [] LOAN OFFICER X X [:::] CREDIT COMMITTEE DATE DATE HO~ TO APPLY: CREDIT AGREEMENT Read section 1 Sign and contp[ete 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 wi[[ 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 LOANLINER Open*End Plan. Read this information before signing on page 2. Please see the accompanying Addendum for a This LOANLINER 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- accounts) 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 ali advances is a variable interest rate, the Addendum explains how the variable interest rate works. PAYMENTS -- 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 ©CUNA MUTUAL INSURANCE SOCIETY, 1980, 82, 84, 86, 89 ALL RIGHTS RESERVED 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 multipiled 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 lose 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 an,/ 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 ~J~T~T B (Continued) CREDIT UNION COPY SPA67A (LASER) 6849LL ISusquehenna VaLLey Federal credit Union I Denise M Anderson 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 2 It is important that you read all the provisions of the Credit Agreement and Addendum thoroughly before SIGNATURES 3 CREDIT UNION 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 mo'st recent address you have given the credit union in writing. Notice to any one 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 any one 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. you sign below. You have read the LOANLINER Credit Agreement and by signing below, you agree to be bound by the terms of the agreement. 09/05/2000 APPROVES $ $ UMITS DATE S~DNATURE LINE OF CREDIT i~l LO~ O~FIC~ ADVANCE APPROVED: [] YES [] NO [] CREDIT COMMtl'FEE OR OTHE~ OUTSIDE INFORMATION CONSIDERED: REFERRED TO/REASON(S) FOR REFERRAl.: INFORMATION X OTHER SIGNATURE DATE $ e ~1.10900 ~ OTHER OTHER DEBT RATIO [] COUNTER OFFER WILL BE MADE, IF ACCEPTED, ADVANCE APPROVED [] YES [] NO IF YES, ATTACH ADDITIONAL SHEET AND DESCRIBE DESCRIBE COUNTER OFFER: SPECIFIC REASON(S) FOR REJECTION: [] ECOA NOT(CE AND REASON FOR REJECTION SENT OR DEMVEREO ON (DATE) BY (INITIALS) CREDIT UNION COPY EEAS7A (LASER) 6849LL CREDIT INSURANCE You can protect your financial future by signing up for voluntary credit insurance below, Enroll by simply indi- caring your preference in the "Credit Insurance Application" CREDIT INSURANCE APPLICATION & SCHEDULE "You" or "Your" means the member and the joint insured (if applicable). Credit insurance ia 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 section below. Your credit union will be happy to explain the various insurance options and coverage. The cost is reasonable. CUNAMUTUALGROUP CUN~ Mutual Insurance ..~:iciegy P.O. Box 391 · 5910 Mineral Point Road Madison, WI 53701-0391 Phone: 800/937-2644 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 ia void and will not be used in a contest if all blank spaces have not been completed, if the member has not signed and dated the Application, and if the Application has not been witnessed. INSURED MEMBER DATE OF BIRTH ACCOUNT NUMBER DATE OF ISSUE DF CERTIFICATE Denise H Anderson 08/15/1972 8400 09/05/2000 JOINT INSURED MEMBER DATE OF BIRTH ACCOUNT NUMBER SECONDARY S~IEFICIARY 0f you clesire to name onel * UNDER CREDIT LIFE AND DISABILITY, THE MAXIHUM ELIGIBILITY AGE FOR COVERAGE IS 65 WITH NO TERHINATION AGE REQUIREHENT. THE FOLLOWING STATEMENTS MADE BY YOU ARE REPRESENTATIONS AND ARE TRUE TO THE BEST OF YOUR KNOWLEDGE AND BELIEF: CREDIT DISABILITY INSURANCE CREDIT LIFE INSURANCE YES NO COVERAGE SELECTED PREMIUM SCHEDULE YES NO COVERAGE SELECTED SEE SEPARATE COST PER $100 OF YOUR X SINGLE CREDIT DISABILITY RATE SCHEDULE X SINGLE CREDIT LIFE MONTHLY LOAN BALANCE $ .057 ON THIS DATE, ARE YOU PHYSICALLY WORKING FOR A COST PER $100 OF YOUR X SALARY OR WAGES A MINIMUM OF 25 HOURS A WEEK? X JOINT CREDIT LIFE MONTHLY LOAN BALANCE $ .099 ARE YOU I MAXIMUM AGE ARE YOU MAXIMUM AGE X UNDER AGE ~ ?[ FOR INSURANCE NONE* X UNDER AGE 65 ? I FOR INSURANCE NONE* MAXIMUM MONTHLY TOTAL MAXIMUM INSURABLE BALANCE DISABILITY BENEFIT PER LOAN ACCOUNT $ 600.00 $ 30,000.00 SIGNATUI ~'OF BORROWER ELIGIBLE TO BE INSURED D 'rE SIG NAT[I'REIf you are totally disabled for more than 14 days, then the disability benefit will begin with the ,5th day of disability. OF BORROWER ELIGIBLE TO BE INSURED DATE _~URE OF JOINT INSURED MEIV~R -' X APP. 801-0786PA APP. 811-0786PA 1 MEMBER INFORMATION DATE 01/03/2001 MEMSER NAME (LAST{ Anderson, Denise M MEMBER ACCOUNT NUMBER 8~00-5 (FIRST) (INITIAL) ADDRESS 330 S. Nashington st. Apt #5 SOCIAL SECURITY NUMSER 166-56-3450 Advance Request Voucher and Security Agreement HOME TELEPHONE NUMBER (717)-791 '9956 PURPOSE/LOAN SUBACCOUNT DESCRIPTION Other DATEWANTED YOU REQUEST THE FOLLOWING ADVANCE SUBJECT TO THE TERMS AND CONDITIONS OF 01/05/2001 YOUR LOANUNER CREDIT AGREEMENT E 1,779.42 CITY STATE ZtP CHECK SOX IF NEW ADDRESS ~ Mechanicsburg, PA 17055 OR PHONE NO. Signature 2 CHANGES SINCE LAST ADVANCE LiST ALL DEBTS; (i.e. Rent, M or, gage, Auto, Credit Cards, Credi! Union, Alimony, etc.} ATTACH ADDITIONAL SHEET iF NECESSARY SECURiTy OFFERED ((F ANY} MARITAL STATUS o OO NOT COMPLETE IF APPLYING FOR INDIVIDUAL UNSECURED CREDIT UNLESS YOU RESIDE OR ARE RELYING UPON PROPERTY IN A COMMUNITY PROPERTY STATE (AZ* CA, ID, LA, NV, NM, TX. WA, WI). IF YOU ARE WORKING, NAME AND ADDRESS OF NEW EMPLOYER NEW POSITION HEALTH CENTRAL CLAIMS PROCESSOR 2605 INTERSTATE DRIVE HARRISBURG, PA 17110 PHONENO, (717)'651'6052 MONTHLYSALARY $3,533.33 NOTICE: YOU DON'T HAVE TO INCLUDE INCOME FROM CHILD SUPPORT, SEPARATE SOURCE OF OTHER ~NCOME MAINTENANCE, OR ALIMONY UNLESS YOU WANT THE CREDIT UN{ON TO CONSIDER IT. 3 SECURITY OrrcMED 11/17/1997 NET r~ DROSS OTHER MONTHLY INCOME $ PROPERTY MODEL YEAR SIGNATURE 0000 OTHER (DESCRIBE) IN ADDITION TO THE PLEDGE OF SHARES IN YOUR LOANLJNER CREDIT AGREEMENT, THE FOLLOWING PROPERTY SECURES THE ADVANCE: YOUR CREDIT UNION SHARES PRIMARY USE OF PROPERTY: PERSONAL BUSINESS PURCHASE MONEY: HYES HNO 4 PAYMENT TERMS DAILY PERIODIC RATE ANNUAL PERCENTAGE RATE .036986~ % 13.50000 % ID NUMBER TYPE PLEDGE OF SHARES S ACCOUNT NO(S). $ L~FARMING KEY NO: LOCATION OF PROPERTY: INTEREST RATE tS; OTHER CHARGES (DESCRIBE) s .00 [~ ;,XED ~ VARIAELE $ LOAN LIMIT $ AMOUNT APPROVED OTHER CHARDES AMOUNT ADVANCED PREV. LOANLiNER BALANCE OTHER LOANS NEW BALANCE {THIS SUBACCOUNT) s 1,77g.42 + s N/A = ~ 1,779.42 + s 8,220.58 + E N/A = $ 10,000.00 CURRENT PAYMENT DATE OUE PUT. AFTER ADVANCE DATE DUE PMT. FREQUENCY TOTAL PUT. ALL ACCTS. REMAINING LIMIT s N/A N/A E 240.22 02/05/2001 M s $ Your term will be approximately 60 payments, which m~¥ be more or Less, depending on whether you prepay, have [ate pey~ents, or insurance is added, etc. 5 SIGNATURES S~GN BELOW · THAT THE CREDIT ONION WILL RELY ON THE iNFORMATION IN SECTION 2 TO MAKE A DECISION ON THIS ADVANCE. X (SEAL( X (SEAL( 6 FOR CREDIT UNION USE ONLY REQUESTED: TRANSACTION: I xISUSSEQUBNT ADVANCE CHANGE MEMBER PAYS PREMIUM FOR: REPAYMENT THROUGH: p~CREOITD(SABILITY [~JOINTCREDITLIEE~,ON RAUTOMATICPAYMENT SINGLE CREDIT LIFE I X ICASH MILITARY ALLOTMENT r~' ~ ~---~ X. ~.u~AIYOU ARE RED EtVING A r'~YOU ARE PLEDGING SHARES FOR THE AMOUNT r~-[THE CHANGE IN THE TERM(S)OF YOUR~ LOANLINER i rSHOWN IN THE SECURITY OFFERED SECT(ON ~ ~AGREEMENT MARKED WITH A STAR{ }. aH/CHECK ADVANCE ISusquehanna Fe<:lerp[ Credit Union IDenise M Anderson I VaLley SECURITY AGREEMENT In this agreement all references to "credit union" mean the credit union whose name appears on this agreement and anyone to whom the credit union assigns the LOANI. INER Credit Agreement. All references to "the advance" mean the amount in the box tabeled "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 the 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 secures any other advances you have now or receive in the future under the LOANLINER 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 ~ease 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. (5) Promptly notify the credit union if the property is damaged, stolen or abused. (6) Not use the property for any unlawfui 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. IOate 01/0~/2001 ~ If you cancel your insurance and get a refund, the credit union has a right to the refund. If the property is lost or damaged, the credit union can use the insurance settlement to repair the property or apply it towards what you owe. You 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 default if you break any promise you make under this agreement. You will also be in default if you are in default under the LOANUNER Credit Agreement. If you are pledging property, but have not signed the LOANLINER Credit Agreement, you will be in default if anyone is in default who has signed the LOANLINER 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 LOANLINER 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 placethe 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 506{b) of the Bankruptcy Code. The rest of the sale money will be applied to what you owe under the LOANLINER 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. 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 legal representatives. If the credit union changes the terms of the LOANLINER 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 TENNESSEE CREDIT UNIONS ONLY -- USE WHEN AUTOMOBILE IS PURCHASED 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 wilt cover 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 exblained it to you. $~GNATURE DATE X FOR NORTH DAKOTA CREDIT UNIONS ONLY - APPLIES ONLY WHEN A MOTOR VEHICLE IS PURCHASED NOTICE: THE MOTOR VEHICLE IN THIS TRANSACTION MAY SE SUBJECT TO REPOSSESSION. iF IT IS REPOSSESSED AND SOLO TO SOMEONE ELSE, AND ALL AMOUNTS DUE TO THE SECURED PARTY ARE NOT RECEIVED IN THAT SALE, YOU MAY HAVE TO PAY THE DIFFERENCE. THE PROPERTY DESCRIPTION ON PAGE 1 IS PART OF THIS AGREEMENT. SUSQUEHANNA " " ALLEY FEDERAL CREDIT UNION LOANLINER INTEREST RATES EFFECTIVE SEPTEMBER 1, 2000 UNTIL FURTHER NOTICE ADDENDUM TO LOANLINER CREDIT AGREEMENT AND TRUTH-IN-LENDING DISCLOSURE. This addendum is incorporated into and becomes a part of your LOANLINER Credit Agreement. By signing, you verify that a copy o~41is addendum was given to you. Loan Subaecount Description Daily Approximate Periodic Term Rate Present Annual Percentage Rate Payment Share Secured Vehicles: Model Years 1997 - 2000 1995 - 1996 1993 - 1994 Signature/ Unsecured Lines of Credit: Shared Secured Unsecured 1 - 24 Months .0198630 7.25% 25 - 60 Months .0205479 7.50% 61 - 96 Months .0217808 7.95% 1 -24 Months .0205479 25 - 60 Months .0217808 61 - 72 Months .0226027 I - 48 Months .0245205 1 - 36 Months .0253424 1 - 36 Months .0349315 37 - 60 Months .0369863 7.50% 7.95% 8.25% 8.95% 9.25% 12.75% 13.50% .0205479 7.50% · 0369863 13.50% The mount and due date of your payment will be established at the time of each advance and will be disclosed on the voucher accompanying the advance. Your minimum monthly loan payment will never be less than $20.00. 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. SLATE HILL ROAD * C,~'VEP HILL, PA 17011-8035 TV7-.~159 TOI.I, FREE: (800~ 948-1454 FAX: (717) 7z7-0_ 89 ~ HUTU~L ~tOUP PENI~YLVAN~A HOtdT~I.Y RE?4E34ASLE CP, E~IT DL,~BILXTY DIS(,LOSL~,E RAT~ PSR $100 OF ~ Pl~ ~ i 61 .0791 2 62 .0788 3 63 .0780 4 .238~ 64 .0775 5 .2486 65 .0770 6 .2561 66 .0764 7 .2373 67 .0758 8 .2240 68 .07~1 g .21:~ 69 .0749 10 . Z027 70 .0743 11 .1~.7 71 .0736 ~ .1880 72 .0732 13 .1798 73 .0727 14 .1734 74 .0722 ~5 .167~. 75 .07~8 16 .1610 76 .07~?. 17 . L567 77 .0709 18 .1524 78 .0704 19 . 1479 79 . 0699 20 .1432 80 .0695 21 . ].401 81 .0691 22 .1362 82 .0687 23 ~]332 83 .0683 24 .130~ 84 .0680 25 , ~27'3 85 .0676 26 ./2.45 86 .0672 27 ./23.9 87 .0669 28 .1199 88 .0666 29 . i180 89 .0662 30 .1155 90 .0659 31 .1131 91 .0656 32 .1113 92 .0654 33 .1096 93 .0649 34 . lo80 94 .0645 35 ./064 95 .0642 36 .1046 96 . O64O 37 .1026 97 .0637 38 .1016 98 .0636 39 .0999 99 .0631 40 .0987 I00 .0628 41 .097~. 101 .O826 42 .0963 102 .0624 43 .0951 103 .0621 44 .0939 104 .0617 45 .0927 105 .0614 ,16 .0917 106 .0613 47 .0909 107 .0609 48 . O896 108 .06O8 49 .0889 109 .0605 50 . 0877 110 .0603 51 .0869 1~3. .06O2 52 .0860 112 · 0599 93 · 0854 113 . 0597 54 .0844 114 .059~ 55 .0834 115 .0593 56 .0830 116 .0591 57 . 0821 117 . 0589 58 .0812 118 .0587 59 .0808 119 .0583 60 .0799 1ZO .0581 MONTHLY RENEWABLE CREDIT DISABILITY DISCLOSURE FORM The Schedule of R~tes shown here are gross [~lsnce rates. This means the rates are applied to the sum of the periodic loan pa.vmen~ whk:h rem~- to be paid on your loan. The rate we use is determined by the projected loan term of your loan (see your loan plan to find the projected term of your loan). For example, it'the projected term of your loan is 24 months and the bet, cfi *a,.. is 14 day nouretroactive, the rate for that term is .1304 per $100 of gross bni~nce. If the amount of your periodic loan payment is $100, the gross l~ql:~-ce of your loan during the first month of your loan is $2~400 (24 x $100). Our charge to you for insurance for the first month of your loan is $2,400 x .1304 x .01, or $3.13. After you have made your first $100 periodic loan payment, the gross balance of your loan would then be $2,300 (23 x $100) and our charge to you for your insurance for the second month would be $2,300 x .1304 x .01, or $3.00, etc. The charges we actually make to you for your insurance are shown in your periodic statement which you receive ~om the Credit Union. Please remember: Whenever you add a new advance to your loan, you recast the loan and a new projected loan term is determined according to your Loan Plan. Please note also that if thc amount of your periodic loan payment is greater than the maximum benefit per month shown in the Insurance Schedule of your Certificate of Insurance, our charge to you is based on the sum of the max~um benefits per month times the number of periodlo loan payments remaining to be paid on your loan. For example, if your periodic loan payment is $400 and the maxfi-num benefit per month is $300 and you have 24 payments remaining to be paid, the gross b~l~nce of your loan for purposes of this insurance would be $7,200 (not $9,600) and our charge to you for insurance the first month would be $9.39. ($7,200 x .1304 x .01). 1 MEMBER INFORMATION DATE MEMBER ACCOUNT NUMBER SQCIALSECURrTY NUMBER 01/03/2001 8400-5 166-56-3450 MEMBER NAME (LAST) (FIRST) EN[TIAU Anderson, Denise M Advance Request Voucher and Security Agreement HOME TELEPHONE NUMBER (717)-791-g95& PURPOSe/LOAN SUBACCOUNT DESCRIPTION Other ACORESS DATE WANTED YOU REQUEST THE FOLLOWING ADVANC~ SUBJECT TO THE TERMS ANO CONDITIONS O; 330 S. Washington St. Apt ~5 01/03/2001 YOUR LOANUNER CREDIT AGREEMENT S 1,779.42 Mechanicsburg, PA 17055 OR PHONE NO. Signature 2 CHANGES SINCE LAST ADVANCE HEALTH CENTRAL CLAIMS PROCESSOR 2605 INTERSTATE DRIVE HARRISBURG, PA 17110 PHONENO. (717)'651-6052 MONTHLYSALARY $3,633,33 3 SECURITY OFFERED 11/17/1997 ~-~ N~r ~ GROSS OTHER MONTHLY INCOME PROPERTY SIGNATURE OTHER {DESCRIBE} IN ADDITION TO THE PLEDGE OF SHARES ~N YOUR LOANUNER CREDIT AGREEMENT, THE FOLLOWING PROPERTY SECURER THE ADVANCE: 0000 ACCOUNT NOIS). LOCATION OF PROPERTY: YOUR CREDIT UN[ON SHARES 4 PAYMENT TERMS DALLY PERIODIC RATE ANNUAL PERCENTAGE RATE INTEREST RATE IS: OTHER CHARGES (DE$CRIBEI LOAN UMIT $ .00 13.50000 % Ixl;,xED I IVAR'ASLE s 1,T'/9.42 + $ N/A = $ 1,~79.42 + $ 8,220.58 + E N/A * 10 000.00 CURRENT PAYMENT DATE DUE PMT. AFTER AOVANCS DATE DUE ' PMT, FREQUENCY TOTAL PMT. ALI. ACCTS. REMAINING UMIT S N/A N/A $ 240.22 02/05/2001 M Your term will be approximately 60 payments, which may be payments, or insurance fs added, etc. · 5 SlGNATURESs~GNSELOw BY $1~NG BELOW OR UNDER THE ENOORSmI~r ON THE ADVANCE PROCEEDS CHECK YOU AGREE~ 6 FOR CREDIT UNION USE ONLY FI:;::;;, :;;.°::'LT.YCU nP'"TAOWNOE n'"--OS CHECK NUMBER DEPOSIT ACCT. NUMBER more or less, depending on whether you prepay, have Late {SEAL) .EM,..A.S, EXHIBIT G CREOIT OISA ITOMATIC PLAN~UBAC CONTRACTNUMBER 037-1661-8 REFERENCENUMEER uns-840005 8RANCHNUMBER PROCESSED BY ADM ISusquehanna Valle~ Federal Credit Union 10anise M SECURITY AGREEMENT In this agreement ail references to "credit union" mean the credit union whose name appears on this agreement and anyone to whom the credit union assigns the LOANLINER Credit Agreement. All references to "the advance" mean the amount in the box [abeled "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 the 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 secures any other advances you have now or receive in the future under the LOANLINER 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 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. (~-) Allow the credit union to inspect the property. {5) Promptly notify the credit union if the property is damaged, stolen or abused. (6) 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 TENNESSEE CMt:uiT UNIONS ONLY - USE WHEN AUTOMOBILE IS PURCHASED NOTICE: If you do n~t purchase the insurance required on the automobile and the credit union purchases the insurance, the insurance purchased by the credit union will cover only the credit union's interest in the proper~y. 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 If you cancel your insurance and get a refund, the credit union has a right to the refund, if the property is lost or damaged, the credit union can use the insurance settlement to repair the property or apply it towards what you owe. You 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 default if you break any promise you make under this agreement. You will also be in default if you are in default under the LOANLINER Credit Agreement. If you are pledging property, but have not signed the LOANLINER Credit Agreement, you will be in default if anyone is in defautt who has signed the LOANLINER 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 LOANLINER 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 506(b) of the Bankruptcy Code. The rest of the sale money will be applied to what you owe under the LOANLINER 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. 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 legal representatives. If the credit union changes the terms of the LOANLINER 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 NO~ICE: THE MOTOR VEHICLE IN THIS TRANSACTION MAY eE SUBJECT TO REPOSSESSION. IF IT IS REPOSSESSED AND SOLO TO SOMEONE ELSE, AND ALL AMOUNTS DUE TO THE SECURED PARTY ARE NOT RECEIVED IN THAT SALE, YOU MAY HAVE TO 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 (LASER} ~$2ELL SUSQUEHANNA "- ALLEY 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, PA 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 $10.00 late fee included. 1213 SLATE HILL ROAD · CAMP HILL, PA 17011-8035 LOCAL: (717) 737-4152 TOLL FREE: (800) 948-1454 FAX: (717) 737-0589 0~T-16-01 TU~ 0~:12 P~ SUS~UEH~I'II'I~ V~LL[Y FCU ~X 1'10, 7177370~89 P. 03 'OCT 1~, '81 03:~5PI'1 Kt4JPP g, KO])I~K PC I, SUSAN ~. BRUBAIO~R, l.cnn Schlock/Collections M,-..e~r of SUSQUAI4ANlqA VALLEY lrED1R~,AL CRI~I'I' UIqlON, 'to ~e pcl~l'tie~ of ~8 'Pa. C. S. §4904, telatin~ m unlwom ~lL~a.',/oe, 'to a~ttlofttie$. SUSQUli:HANNA VAI,X~Y FEDI. RAL C~DIT UN[ON KODAK & L.~BLUM, P.C. CAMERON MAI~ION P.O. BOX 1 l~4g 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 says, the within COMPLAINT & NOTICE was served upon ANDERSON DENISE M F/K/A DENISE M SZYMCZAK the DEFENDANT , at 2030:00 HOURS, at 330 S WASHINGTON ST MECHANICSBURG, PA 17055 on the 5th day of November , 2001 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 18.00 Service 11.70 Affidavit .00 Surcharge 10.00 .00 39.70 Sworn and Subscribed to before me this /3~ day of p~o~honotary So Answers: R. Thomas Kline ll/06/200i KNUPP KODAK IMBLUM ~D e pu~f~ Sheriff