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Home My WebLink About03-3716 () IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff NO. (jj- -37/~ ~ vs. CHARLIE E. RINER, Defendant CIVIL ACTION - LAW NOTICE You have been sued in Court, If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice is served, by entering a written appearance, personally or by attorney, and filing in writing with the Court your defenses or objections to the claims set forth against you, You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint, or document, or for any other claim or relief requested by the Plaintiff, You may lose money or property or other rights important to you, YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT HAVE ALA WYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. NOTICIA Le han demandado a used en la corte. Si used quiere defenderse de estas demandas expuestas en las paginas siguientes, used tiene viente (20) dias de plazo al partir de la fecha de lademanda y la notificacion, Used debe presentar una apariencia escrita 0 en persona 0 por abogado y archivar en la corte en forma escrita sus defensas 0 sus objeciones alas demandas en contra de su persona, Sea avisado que si used no se defienda, la corte tomara medidas y puede entrar una orden contra used sin previo aviso 0 notificacion y por cualquier queja 0 alivio que es pedido en la peticion de demanda, Used puede perder dinero 0 sus propiedades 0 otros derechos importantes para used, LLEVEESTADEMANDAA UN ABODAGOINMEDIATAMENTE. SlNOTIENEABOGADO o SINO TIENEELDINERO SUFICIENTEDEPAGAR TAL SERVICIO, VAYA EN PERSONA o LLAME POR TELEFONO A LA OFICINA CUY A DIRECCION SE ENCUENTRA ESCRIT A ABAJO PARA A VERIGUAR DONDE SE PUEDE CONSEGUIR ASSlSTENCIA LEGAL, Cumberland County Bar Association 2 Liberty Ave, Carlisle, PA 17013 (717) 249-3166 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PENNSYL VANIA STATE EMPLOYEES CREDIT UNION Plaintiff NO. Dj -11/iP vs. CHARLIE E. RINER, Defendant CIVIL ACTION - LAW COMPLAINT AND NOW, comes Plaintiff, Pennsylvania State Employees Credit Union" by and through its attorneys, Steven C, Courtney, Esquire and Godfrey & Courtney, P.C" and states the following cause of action and in support thereof, avers as follows: 1, Plaintiff, Pennsylvania State Employees Credit Union, is a financial institution authorized to conduct business in the Commonwealth of Pennsylvania with a principal place of business located at 1 Credit Union Place, Harrisburg, Dauphin County, Pennsylvania, . 2, Defendant, Charlie E, Riner, is an adult individual with a last known address of 652 N. College Street, Carlisle, Cumberland County, Pennsylvania 17013, 3, Defendant Charlie E, Riner, and at all relevant times material hereto was, the primary loan applicant. 4. On or about March 13,2000, Defendant signed a Motor Vehicle Installment Sale Contract (hereinafter referred to as "Contract"), A true and correct copy of said Contract is attached hereto, incorporated herein and marked as Exhibit "A". 5, Pursuant to the loan application marked as Exhibit "A", Defendants agreed to the terms and conditions of the extension of credit as set forth in the Loanliner Credit and Security Agreement (hereinafter referred to as "Contract"), A true and correct copy of the Loanliner Credit and Security Agreement is attached hereto, incorporated herein and marked as Exhibit "B", 6, The contract marked as Exhibit "B" contains the terms and conditions of the extension of credit agreed to by Defendants. 7, Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms and conditions ofthe Contract marked as Exhibit "B", 8. Defendant has made various payments to the Plaintiff as repayment of the monies borrowed from Plaintiff, 9, On or about September 11,2000, Plaintiff provided a letter to Defendant Charlie E, Riner stating that the vehicle purchased by Defendant, a 1996 Chevrolet Tahoe, serial number 1 GNEK13R6TJ317870, was repossessed and unless payment in full was made on the outstanding loan balance, the said vehicle would be sold at a public sale on account of the Defendant and Defendant would be still responsible for any resulting deficiency, 10, As a result of Defendant's failure to cure the default in payment, Plaintiffsold for and on account of Defendants said 1996 Chevrolet Tahoe on or about November 15,2000, 11, Plaintiff provided a letter to Defendant indicating that there was a resulting deficiency after the sale of the 1996 Chevrolet Tahoe in the amount of Thirteen Thousand Nine Hundred Forty Four and 31/100 Dollars ($13,944.31). 12, Plaintiff has maintained a statement of account keeping an accurate and running amount of debits and credits made on Defendant's account. 13, Plaintiff has submitted to Defendant a copy of the statement of account accurately showing all debits and credits for transactions with Defendant. 14, Defendant has not objected to any ofthe monthly statements of account submitted by Plaintiff to Defendant. 15. Despite Plaintiffs reasonable and repeated demands for payment, Defendant has failed, refused and continue to refuse to pay all sums due and owing on Defendant's loan account balance, all to the damage of Plaintiff, 16, As of July 3,2003, the balance due, owing and unpaid on Defendant's loan account with Plaintiff is the sum of Thirteen Thousand Six Hundred Twenty Nine and 31/100 Dollars ($13,629.31), 17, Pursuant to the terms and conditions of the extension of credit contained in the Contract, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest charge at a rate of 7.990% on the principal loan balance, 18, Pursuant to the terms and conditions of the extension of credit as set forth in Exhibit "BOO, Defendant agreed to pay reasonable attorney's fees and all court and collection costs, 19. Plaintiff has retained the services of the law firm of Godfrey & Courtney, P ,C, in the collection of the amounts due and owing by Defendant, 20, As of the filing of this Complaint, Plaintiff has incurred reasonable attorney's fees from the law office of Godfrey & Courtney, P,C, in the collection of the amounts due from Defendant incident to the within action, and Plaintiff shall continue to incur such attorney's fees throughout the conclusion of the proceedings, 21, The amount of attorney's fees incurred in both matters is the sum of Two Thousand Seven Hundred Twenty Five and 86/100 Dollars ($2,725,86). 22, Any and all conditions precedent to the bringing of this action have been performed by Plaintiff, 22, The amount in controversy is within the jurisdictional amount requiring compulsory arbitration, WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union., respectfully requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant, Charlie E, Riner, in the amount of Thirteen Thousand Six Hundred Twenty Nine and 311100 Dollars ($13,629.31), plus interest at an annual rate of 7.990%, reasonable attorney's fees in the amount of Two Thousand Seven Hundred Twenty Five and 86/100 Dollars ($2,725,86), the costs of this action, and such other relief as the Court deems just and proper. Respectfully submitted, GODFREY & COURTNEY, p, ox arrisburg, P A 17112 (717) 549-3900 LD, # 74669 Attorney for Plaintiff By: Date: / I~ .. . .... ..,,,'. VERmCA TIO:-; I, Bonnie 1. Bcrkoski, hereby certify that the following is correct: The facts set forth in the foregoing Complaint are based upon information which I have furnished to counsel, as well as upon information which has been gathered by counsel andior others acttng on my behalf in this matter. The language of the Compl,unt is that of counsel and not my own. I have read the Complaint, and to the extent thaVt is based upon information which I have given to counsel, it is true and COrrect to the best of my knowledge, information, and belief. To the extent that the content of the Complaint is that of COLL'1Scl, 1 have relied upon such counsel in making this Verification, I hereby acknowledge that the facts set forth in the aforesOltd Complaint are made s\\bject to the penalties of 18 POl, C.S.A. .~4904 relating to uruwom falsification to authorities. ~;2.~, Bonnie L. Berkoski k Date: ," I Dc::..mINIII {.ii/ ~~2 i ~ .. . - . J', '.1.; , ':',,:: :~.''', : ' .~.: ":,~", '. ~ '.,. " ". ""....-:.~:~'7""~'m,-:"'"':7"'""::~.~~. a I I I I I I '"." ,,:,,:,.:.., .'. ,"" :~~, ,:'i,~"',~'''::-' r.' i",~ ' 'i::!r:iP~ i2'i"<Jo "I":" '., til.,~i.l .- '. .- .. <ijlWl ,- ,"<'W~'" 'l:~H'f ,'0 ......",alfl: Ihhl'tt ~' ~,~~ ~,i Of Hi II . ......!I.r '. : Jlxll ,I.. ";'l:~, :,~ '1 I . ..II ,..., .~. 'f I.~hth:~; 'J;, i,:',: Hl'~n i ~ iif' I,u flU! ':$' ,~ j"if !!'l'~ ". lll' ,I! . ~l'. ~ilt'~!I-S t;<. 1111: >< . ",f. o ., " ,.ii ,,_'"'22', "3_f5"~,i:U[~~tfiic r, ,/4$;,r;'4':2 '? 2 ;1,1' '-i;~i:~g~~~m~' 'i . ... 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'''iII'''~ ~;~ . . er.~~m"~~'~i. .~ if.ti4~:'~"::.~~.;::" .;'.r ....a.J:i.;~. '01:.:..' ...1. ' ....", :" " .... .~9 ~', a' ~ , ! . ,.. -'" 'to "t- o, .. " " . ,,~ " .' j' '..:1" I . . ~ .. , .01:. ,,' ,] '1 ~., .. '.. .: la'~"l-IN ..riUi~~I~' fr, -,' f r: )/.ft\..!.:: '~~!(- ..y," ~ ~-~"~"-:\'!j~,~J\' ,\ ~ ADVANCE PROCEEDS VOUCHER ~I ~ (9 PennsylvaniaStat,e Employees Credit l'nicn P.O. Box 67013 Harrisburg. PA 17106.7013 (800) .237-7325 (NII.~cnVlido) (717) 23<1-8484 (in Harrisburg) MEMBER NAME CHARLIE E RlNER DATE 03f1312000 MEMBER ACCOUNT NUMBER 0224492823 /10 NOTE NUMBER 0001397500 4925 EASTMAN DR HARRlSBURG PA 17109-3216 '\ / PURPOSE: PRlV A TE PARTY TRANSACTION TYPE ~o NEW LOI'.N 20 OPEN END LOAN ADVANCE 3D OTHER (DESCRISE) ..0 HOME EQUITY ADVANCE yOU HA'IE ?REVIOUSlY ELECTED TO HAVE THIS JNSUR2D wnH THE r=OllOVJ1NG COVERAGE DISBURSEMENT BREAKDOWN AND REPAYMENT SCHEDULE CREDIT DlSA31UTf SINGlE CR!::DiT LIFE JOIN7 ::;;:::E01, liFE YES 0 o NoD I AMOUNT REQUESTED + + OTHER CHARGES 25,900.00 I YES 0 NO L9 YOS 0 NO ["J !AMOUNT ADVANCEDI ~RE'/IOUS BALANCE I NE'W 5~LAI'!CE DAILY P!:RJODIC RATE ANNUAL PER- INTEREST RATE IS; (CHANGE IN TERMS ONLY) CENTAGE RATE FIXED VARIA.BlE I DA TE DUE 04/12/00 .021890 07.990 o I I ~AYMENT F?EClU~NCY MONTHLY 25,900.00 SOOO I 25.900.00 PROJECTED lOAN :ERM PAYMENT ,525.06 SECURITY OFFERED Ii' ,HiS IS A Hor.tE EQUITY ADVANCE.. t1-;E ONL Y SECURITY i'OR TriiS ACV.:""ICE. is THE REAL FEePER,Y (IN Mes, C;,SE5 'r'CUF; HC.1..1El <,VH!CJ-: yeU G':>"JE AS SEC'JRIT'f WHE~j YOUR AC;:OUNT WAS ES,AaUS~"Q. IF THIS IS NOT A HOME EQUITY ~DVANCE. IN ADDITION TO T;..,E ."~EJC:E OF Si-1t....~E.S It~ YOl'R LOANllNER Gt:CIT AGRE"f.\ENT. Tf-'E ;:OlLOWiNG PROPERTY SECURES ,..-iIS ADVA.NC::: ITEM ?ROPERTY I MODEL YEAR I l. D. NUMBER TYP=:: VALUE 1. ITAHOE IIGNEK13R6TJ317870 o. 3. CHEVROLET 1996 SW 25,985.00 "r. OTHER YOU F!..E:JGE. SHA.=.ES AND/OR 0E='OSiTS OF IN ACCOUNT Nt.:MSER I OLD ACC:):";NTiLOAN ~IUM.s=.:; liAI -"AYO;:" iFriINC_ OLD ACCO:.JNT.~~OAN NLiM3;:-R I (0) ?AYOF, (Pf';jNC. I ,.. INT,I I O!..D ACCOUNTllOAN NUMBER i!6) PA~.Of'F t?RltJC. I I I OLD I;CCOUNT".OP.,N NUM8ER I (Ei PAYOFF (p;:::,NC. I i ~ iNT,} O!..D A::::::OUNTlLOAN ~JIJ~,I=::;:;I(c: "::;':0,=;: ~?RINC :NT.l + INT.l ~ JNTi I , OLD Acc:::rtJNTiLOA>\l "IUM~::R I iF; FAYO;:" {F::iINC .,. iNT,: 5'f accep,ing the proceeds or "'"1' using the f:.mcs advanced and deposited into your share/share draft account, 'IOU agree (1) tha, the property I referenced above Will secure the advcnce and any other advances you have now or receive in the future under :he :..OANLlNER Credit and Securiw Agreement {the Plan} and any other amounts you Qwe us for any reason now or in ~he ru:ure in accordance wi:h the terms of the P!an and (2) to make payme!1ts as disclosed above in accordance with the terms of the Plan, @CUNAMUJUALGR:JU;>, ,9a::l. 82. '04.36. as. ,,",LL filGHTS RESERVED C;::AV32 :LASE;;) 27860 SCANNED o m (,0 .j:::, ~~ 'J"I K~.r;-.'f.':-, '"c~;~:...._:.~:,~,~,~.!.l.j,,~~.~~,~:!,:!,~!~.!!:!.~.~,!_~ l' 'l'"~~I..~.~~~,~,!"~L,,,,,,,,,,,,,~-_ ~.,..,.i.:,",..',:,;:".' .~! il::;~~""C:R~'F':ATE OF TmE Fe A VEHW 'c1;"t~ ~1'IBR8~P90~I0g8~~T?7PP:E ,.' ].j~~1 CHEVROLl:T1194J.7b29503 RI !I~~i "VEH'ic:(eUjoE!-:i'riF"C'AiiON" NUMBE"R YEA'A' J MAKE OF VEHICLE" i'ITLE ;IUMElER l. ~ - ::'::1.':..'.0....:1..':...'..::......:....::.11 ,~'oJ;,j.;,jb,_,.....1 ..r./2/1/00I'.': 051"1001 (J '~l' ....r..'60;'.o",.0". 0', "'''' '~O~M. "oeD 6:";' . 0600' "'''5 000" 5U."S !~;, ::~::!~*~'PT~~~~:!;q: -;:'{.;~~~:~F~S~?O:: ::) .: :aj:L;~~j;:l~:ciM:~' :J. 3CWR TITLE 6RANOS f ~1)~~ ~I , o..,w,~~~~:"w" II~;".~~';' ei i I = MILEAGE EXCEEDS THE MECHAtJICAl 1: ~.. ~j '~,:~~~. 2_~16~Ti"EACTUALMlLEAGE f,e..,' l,~ ;"),?' ,. :~::;~:,;';~~~,~;~""'~OOM"'" j~l Il~i "G'","CCO"",',,, "cifc,""rtfi afJ>""," _v~ ','~'~::~~:;,:;;;;:"""COSO" l;t(~1 i~fcHARt.ES E RINER ,.p"""'<"" V:l""'"'''' i-,-~",~:""-"",;,-", ?">-,,",> :; '~~~;~T:~:;!'~~:ICL~ ~~%:''t~i: .'~~.,:..', "9"'5 EASr"AN OR . . WI 0'00;"'''' i.'i.,''''.'" , ,. t:; n G < QRTGINAL,-Y MFGD, ;"':lR Nm,,' s ~I. ":# OISTRIBUTiCl1 Er::':"'~1 l",~.::. _~.~.,~ HARRtSBURG PA 17109 f':~g~~~~T'~~~I~~~'i;cuo11~~r~.! ~~.~ ? .IS.v'''SAPOLlCE'/!'J--!'ClE f.: ii~J H!~~e;~gC,:::"""" l~~~11 Ii I F;~ ;~~oe OF '''ONO UEN ",OR 0' :' : ~~~~~:;,~;'" "'''om,," '~II i~f '1~~1 I,~i,- II a $etond I,enholder io I<s:ed uoon satlslactlon of the first I,en 'M li,~t ~:-?., .'1 .. lienholder mUSl fo.wa'd :h;~ Title 10 tha Sv'€alJ "I MoTa, V~r.'CI"S w,th the ~ )~g FIRSTUENRELEA$ED .... approp"~"'lOfma"dlee ' ~! I~~~ DATE ~ ~I I. ~ BY SECOND LIEN RELEASED E, ~ .,...~_;. ,Ii i MA""G ADO"," ACITeO'''ED "ceR"'"""" "", .. ., 1;1 ~'~'~o, '70" '" "~o''"'"","", ill illl HARRISBURG PA J.71(Jb 1~11 \~1 'I.,~,:\l Ifill " '. ,I, I~::J I cernly as 01 tile date of Issue. lhe ,OIliClal records of the Pen_"Sylvan;a Departmen' _:BRAOL:E:)' l MALl:ORY ~~I' :~' ... .: i ~:~~~=:~:e:eneCllha' the p"rson(s~ or comoany Mmeo here,,, 's the ,ew1ul o--mer '..:"" . ~ ~I~ !rl~g Se<;rctat)" of TrnnsportatJon fi~rl !l~t:!r"~~.I""I'II"'.=I)i..II.~'IIIII.1 =11111.'1,11',(,1, f'II.''J'J,'!I.;:~,..~:".l',~.liI~i:a..~;<<~~;a.,,:',:i~~:;t:'.~:~\j:1_tel:' II:~~:~ i SUBSCRIBED AND SWORN I If.a ~o.purcn~ser other tt'lan y~ur spouse IS listed and you wan!!he lirle to ~ ~:I"!Jl I' I' ~ TO lOEFORE ME I be Ifst~ as Jomt Tenan.ls With Right 01 Survl'''orship'' (On death of one 'f ~.~ . _ "'0 OAY \leAR owner, .lltle goes to surviVing owner.) CHECK HERE O. Otherwise, the title ~ ~==. ., e':! Will be Issued as "Tenams In Common" (On death of one owner, interest ofS ~::7iJ _r ~ deceased owner goes to hislher heirs or estate). i: \l)~ '~~l "",,rue"""~~""""e,,""'~ :::~::::::'R ~ ',"OU," '"'OK 0 I'I:~' ,J~L " k' r : ::~:A"""M'O",'M"R "'" Z" I ~ ~ =~~ I,: 2NOUENOATE;""'" IFNOUEN,CHECK 0 ~~I'.}:.'-' r~e u"""...gned _y __ _iGo_ I", Ce~~;"". 01 '1".,,. ~ "'0 .,."",~ .oot:nb.,,- "'j ~ _,......jOoCI"'....."""""'...-.cMonOOIhO.."'.......'klnll""re ~NDLlENHOLOER : L . '"-~:"=::;;:. _;~-:".._~~ .., .". JI ,~,~:~:I\.:r+';:vJi..~Jr'.,.::Ifr.::.1l)W~.~:,v.i'r,lfj,'.,."II."~Jl:i>>..,;;;;,o!.;;;iI:~v,;;wi~,~,Wt,.;~~.,;;;iY,,;';;;'oiiiJ!~.,~:'ii' '~~~~~.,-2',:.~...>.,~,~~~~~:~.~k~.~~,~:~~,!~~~~'.~~J~~~.'::~.~~)~~=::;..~~~',~,~.:;,:3,,=::;,:~::S;i~~'?::1.~~!:~~Er~i1~,~~ , '" , r-->- ':::0 ,:=> :')1 ..... ,". ,_",,-. .I.'_"H""'I-(""Ji".':'l.'.'*1-4f'f/~I" Thl< t.O"NUNE~ en.di< and Se<:utlty ~<1l. _ ~ ..... TMtl In ~ Oisdosufos, ..., be referred 10 as the PUn. Tho Plan docunonts Indude """ A;;~ and an Ad<:lendum, You, your and Lo<. "".. moan any pe<>>on ..no ~ !he PIeJl. Ci-..:llt Unlon,...... O<Jr!'f>d lIS mean PSECU Of 0/1)'000 10 whom..... Cre6t Union en.. ~ Its rlgflts tJr'\dttt the PS.an. This ts a mvftf-sUla doculTloOOt 'NlVch m:<rl be used 10 ~ to ~ ir1all stales. 1. tfO'r'/TIiIS PLAN WORKS - This is an open-end. mu~.f.e.atured creC'1'C plan. We anticipate that 'rom time to time. ~ wi11 borTO'W rT'IOo"ie)' (called ~advarlcesJ under the P'1an. We are not required to make advances: to )'OlJ uodef ~ Ptan.,l({ can tefl.f'S.e a requen feX' an .dvanoe at any time. The }..dOe.ndum de:so:::rI>e:s the Cif"..erent rypes 0( Ct'\1'd"rt (c:al1ed ~co:xtnt:s1 availabLe undar rhe Ptan. the currll'nl interest rate fo< each subaccount e.xpress.e<:t as a daily periOOIl; rate and co<respoooing anrolJal percentage rate ar.d ott;.er charges. It may alsO t\ave other termS and a schedule kx Celefmining t.'1e payfn.ent amo...",ts. 2. CREOIT UMrT-We may. b..1 do nol have to, estal::(lSh a cl'lxfl'C limit 00 certaIn s.ub,g..CCOunts. tf 8 credit limit is set to<' a $uOaOCOUf'll. )'00 ~ 00( to exc&e<l tr.e .subli..s:hed c:re<frt ~tf )'OU e.xC&<<f the c:roort 'm1t, )00 rxornlse to repay irromed'ately ..... amount "..;;ich exceo<ls ..... o-<<f. limit 3. REPAYMENT - You promise to repay all a.mount.s )'00 OW'S under.the Plan pllJS Inte~.. Pay\'rrtUlts are due 00 !he last dJf 0( the: fnO(lth U'\Iess we &at a dit'".erei'lt date at the time of ~n advance. ff the Addeodvm has no payrnerrt ~ b' a svbaccourrt. your payrr.em will ,be cletermlne<J a' !he ~me of eadl aclvanoe. Pa~ must Include arry amount past due and ally 8i"1'lOUl'11 by ~ )'O(J have e.x~ any ~eOrt mvt )0.1 h..ave beeo ~ for a ~ You may repay 8-' . or part ol whal )'00 """ 01 any time without any p<epa~ peMIty, E""n r )'00 prep.3)', )'OU 'WI1! S'..rE! be ~uired &0 make the regtAarty &:c:hedl,lCed p.ayrr1oellts: t.A"'\I.e.s.S W'e ag-ree in writing to a change in the p.ayrrterU sd1eOuf.e. H )W ha'r'e II }:*t1 SNre dra~ a=<Int. )'00 will b<! re.sponslble for p3)Ing an ""'tOra~ 1dvat1ces ~ by ~ Joint hoJOe( of the $hare draft aCO:~,"fll Payments 'n1/t be appl"ted k1 the order the C<edi't Union chooseS. .c. PLAN ACCeSS - You can obtain Cr'ed"1'C advances in any m2nNr authorized by vs. If we dew)'OO to use your ATMtDebit card 10 access !he Plan,)'OU may be bble for t:h-e \J'f'\.3uthOrize<:t use of )'Our ATMIOebit card. You Wlll not be rl.<lbl'e for CJn.authorized us.e that 0CC1J/'S a~e( you notify us. orally Ot in writing, of the loss. theft, or possib'e unauthotized lJ'$.e. If )'00 beDe-.-e )'OUr ATM/Deb<c card has been Jos: or stok<\. 1nvned"l3te~ 'Inform the Cte<ftt Uni<x1 by calling or......nting t.rs at the telephone number 0< address thaI ap~ars elsewhere in the PLan. If the card Is tlSed' 10 ootain advances directfy from the Plan. your iability.,,;u not exoe-ed $50. tt the ur\aU1horlzed v.ithd~ is from a share dr;l~ a<XO<J(l~ )'OOr iabUlty is ~riled by thO Regolalion E crtSdctsu~you r~~ at the ~me)'OC.! reoei\.oed:roor ATMtOe~ card.. e-.'ef1 ff ~ wittldrawaJ resli!ts In Bll a~ being made from )'OOr CNerdm ~~ 5, ANANCE CHARGE - The dollar ItTlO<Jf1t >"u pay lor money bom>wed I;l caned a Tonanoe ~- and beg."" on \he dale of eachacMnce. ^ finaroce ~ w.lU be oompuIed separately lor each separate balanoe lJnder ..... P\an. To ~e \he """""" c:hsrl1e, ..... t.<'pald balance lor each day slnoo )<lUf last po)omIf1l (01" slrlOO an advanoe 1)'00 haw not l"!,macle apaymenQ Is nUliproed by..... appksble daJy porlodIc me, ~ ..." 01 ~ """""'" Is "'" llnanoo cI1uQo ~. ~ b<<lanoe ...-l \0 COfI"9UI< lho lNnoo ~ Is lho lJO"l'Old balanoo aocI1 day aile< payme<1tS and cre<Sis 10 IN:t bal3nce l:Ia>'e been _ and ant --.. '" ltle b<<lanoe ~ ~ macle.1n IddiUorrio Jnte<'O$l, ....rnaycf:1arpo Ott'M1lnano:e Chatpes_ are ~ on ..... Mdend<.m.. If ..... _ ..te Is a v.ulal>e i'rtere$t rate, !he Mo:Se<>dum axplaIr\s how ..... ~e lnlef8$l .... wor1cs. 6, S ECURlTY INTEREST - The Plan is seaK1>d by !he .nares ard deposlts'ln 10 joint and ncMduol ao:ounts )'00 ........ Mttl\he Cnd1t Union (l(N( at>d In !he Mure, Shares and deposits In an Ino"Mdu.a1 Retirement Accour.t at>d Inf o!her aocxx:nt ~ ....-ould 50se sped.ar tax trea~nt uo6er state 01" ~rallaw If g;....en as s.e-curity are not ~ot;ed. \0 the security merest )'O(J ha"f"9 "r.-en ., YJUI" ...".ares and depc:sfts. ~.al UOJrlty may be roquire'lO 6ep.en6ng on ~ s.utaco:x.r.t ~ ~ I.Il advance is reql..."eSt&d Fof exal1'1opl.e. _ ~'Ii( eal\ed "'New Cat }..dvanoas. l'T"'Pe3.nS the $eOJnty 'Hill be a new ear. A Sl..t\.aco::>e.:nl aBed -other Secured Jo.-AyairCeS. me.a.ns )'OU rru..~ offer secum-j accept3ble to U>e Crtx:l(t Uokx1 b the aevaoce. Property ,,;...en as s-ecurity Ie< any adYarce ~r It'..e Plan ....,11 ~ afl od'loer. alT'lOl.:nts )'C'lJ owe lJT'):j.er the Plan 0-< U'l"Ider arry olt;.er A!;;r~m ~ us pew Of' in the fvtvre. Property s..x:urir,g other k;,.ar=s ......rJ"l lIS ft".4'1 e!so s..eoJre the P~n. HQ,..e-.-er, if)'<Xl have Civen ~r d'w'e1Ting as $COJrhy So< a lean W'ittl US, ~t d'we/fit"\f ""';11 00"l ~(e 811 !c....a1"lC:e rr..ade u~r the Plan. 7, PROPERTY INSURANCE, TAXES AND FEES -y"" ".JI be r><;.we<i '" purct=<l p."Operty ....surarx;:e 01 cer.a:n fy'",....es or s.ecurity 1t'.at )"XI give to." 6Cvances. You tna"1 ~ tie propa~ ircs.ur'a."'()3 from a~ )'C'U o'Ioo:$.e wOo is~ co tie ~ ~.TM a:Tlcv'i'ta.'"'ICcc...e~c{cr.e~hswra.~~be a~ 10 U:$. "rtxJ ~I proo.iOe ttoe ~ ircst.'\"'3.f'CfJ ~ a pOet y:.J art'6aCj f".a-...e, ()( ~ ~ OF'<:JV'P. 19.eQ. t2.I5-l.. &d. 8';1. rr. AU... RJ.t"'....HTS R.E.S€mw "t(:[.(~. 1 ~ a por.cy)QU pel ard P"! Ior.__ p-tmlse 10 ITollke the >-__, . payable 10 us ard 10 do~.... por.:y Of prooI 01 ~ 10 us 1 :...-:.vq policy -10 do 00. .)"U canceI)<lU< Insurance and OIl a..~ we haw a ~ 10 Iho pn>pe<ty Is Iosl 0( dama~, we can use tle Ins<Jrance ~ 1'8IlTd.1f1lie property 0< apply llowards v.mt)'OO owe, You IUlt>orize us 10 ""do<oe 10 "'Pal< ..... cI1ed< _ may b<! peyat:le 10 )"U In onle< '" us 10 CX>lIoct _ ...._!l'rf cltaIt Of due under )'OOr Insurano::e pol'>ey. y"" ~ to P"! all ~.~ '" Of benelits registtaUon fees) due 0<1 ..... propert{ and 10 l<eejlltle property .......,~nd ~ (like at>d slame.... ' agaJrlst loss . )'00 do not P"!!he taxes or lees 0<11lle ",aperty ..men due 0< keo h' may pirj theSe oOligatiOC"lS. t:x..1 we are not required 10 do so. Any ~ IllSUfecr. we lot wes, Sees orinsur3.l"ICe 'Ilo111 be added to the unpaid batance or the ",,~_~i"Id )'00 wl11 pay interest on thos.e 8ni()lJnts at u-.e same rate)OO agrHd t"'QI~ and advaC".OlJ. We. m4j receNe payments ;, ~ with the k\:sc~:n tfl,e company - proo.oides ..... Insurance, We may mor1itor O<J< loans lor Iha ern a 01 de'ermirJng \Oof>e!he')'OO at>d other borrowers ha"" ~Ged \OO<l\ ""'-= '"GUlrements 01 Its loBlla~eements or may engaQl alhe<> 10 do so, Tho ~ ~ added '" your advance may Include (1) !he Insurance~. to us and (2) !he c:os1 01 determlring c:ompllance Mttl !he Insurance ""I~ .... ed4 amounts lor laJ:es. fees Of Insurance 10 lhe unpaid baJaroo oI)'Our Idvance .... may Incn>ase your pa;ments 10 P"! !he om<:o.Jnt edded >oithln !he loon 01 .,; k=anol 0< ~'e \oa<rn 01 !he a~. S. NOnCE - N)<Xl do not purcha.$e the required prt>perty lnsur.a.nce. the h$ur:anc:e .....,; rna:/ purchase and cr.atC'G)?J Jx wUl COYer o<Vy our Interest In ~ ~rty.lhe In.suranoe .....-Ill net be l1.abfHty If'l:S'l.Iranoe. .. CRED'rr INSURANCE - C<ed" ife and/Of creCit disab<1ily Insurance Is optiona, lo<1der thO P\an..)'OO quafrly lor and pun:nas.ltle Insura""" from us.)'Ou aUlt'oorl;,e us to add !he Jnsora""" ~toms montNy to )'OOr loan ba1anoe and ~ )'OU i1terest C'XI tne en.t1re ba.1a.n:::e. tf you ~Kt c:red"rt nsurat'lCe. )'OUr p.aymenls may ~ or !he period. of lime I\eCeSSacy to reP"!)'OOr adva""" may be ertended be)'ood !he approximate term stated 00 t')e AdOendum. The CteOlt insuru.oe rales may d1.ange during ~ Plan. 11 the ra:es change. we will p<ovide any nolic;.es required by apprlCable law. 10. PERIODIC STATEMENT - On a re-gutar basis. you will reoeiw a ltalement sho-ning alt ttansacOOns under the ?tAn dtJr\ng the period CXNered by Itle statem~nt. Statements end notices will boa sent to y:lU at the most recent address )W havt . given us In ...mting. Unless apprlCable law requires notice to eadl joint tlo~r. no(k::e to arT( OM or)'O'J""'''U be notice to .n. . 11. JOII{!' ACCOUNTS -lftl1ls Is ajo1nllo:o<Jnt, each 01)'00 Is kld'MduaJlyaM jOlntly respoosibIo lor ~ aO amounts owed, ThaI means """ can _ our riglts lo<1der !he Plan a~!rtst art{ one ofl"" i:d'o,.idually 0( a~iost all 01 >"u Sogoether. It you g;ve u:s ~ent ns-t~, we can refus.e 10 fr:::l.Gow )OOf Instn.dions, Unless our.1"'iUen po1'>ey req<i'res II 0/)'00 to slgn lor an a_, each 01 )'OU a_os tt>e Oll1er(s)1o obUIn advat=s lndMdually and agrees 10 repay adYanoes made 10 tt>e o<'>er(s), ' 12. FEES AND CHARGES - n)'OO ~ us 1 SIClJrlty Inlerest In cortaln!)?OS 01 pn>porty. .... may chtupe )'00 a fir"" le:e 10 pen.a our _In..... proporty. n 10, tho om:x.nt 0I.....1oe ,.,t; be _ed 10 )'00 at <he lime )'00 obtaln an a<MnoO, W. may also char'J)e )'00 _ fees In COC'o'lI<OOn wflt1 tho Plan. Those lees are d<sdosed on !he MdendLm at>d \OoiI1 be added to )'OUr loan baIanOe u'lIess l"" pay tt.em In cash. 13, UPOATlNG CREDIT INFORMATION -'lOO p<amLse thal)'OO v.iII ~J::: US \'nit:en rrotice'ff)'OO",.,.,.., ~ )OM nam<l or amplarmenl. Of'.W any r Inlormatioo)'OO pro..i<led to us cI'~. Upon oor request)<!u also e.,.. to p<VJd< t.."S upda:ed tin.a.r;ci.allrrforrna:ioo. . . nfll/&8ho 1-4. OEFAULT - ~ I(}/[cwfng p4ragr2ph ~pplle-s to bc~ ke ~ K4n.s..u. 1ri4fn< 6na S<x.tfh C.roIlru: You rl boa ~ defautt II )'OU do ;:;all' we pa-,-menl 01 !he ..ono<mt ~ ..nen lis cue. You ,..;U a!so W In ~ nNeo ber...... <he p=;>ed of pe-pnent. perfo.ma0C8, or ...r.:alion 0<1 any proPO.., . LS $eCJrtrj i:s s~r.tflCS1'l"ty ~ited. . In:Yoo...,,11 be ~ Th< fallowing p.dr8graph I.pplks only to OOfT'OWers It: WT~ 121f1Ol1tt'1. cefau/'t if )"Ju tail 10 make a payment ",toen c~ t.....o times cur.t1g ~ materiarty per":;':. YO'J ...."'ill ~ in dd/al.,.of! if ~eaking 8.."'rf promis.e made ~r the. ~ a~ ir.'lpairs )"':.ou( a:-i1irl to reP<r1 whac )'OIJ 0W0:l. Ycu 'l'r'illa!s.o l>e JI1 ~fa~ t<fl, levance. promise mac.e under 8 ~rir'1 Acr~mer:l rr.ad-a i1 CO<".('~. a rrt'fO'J malar.a!ly rnp.ai~ tt;e o:::>rlC"r:lC<l. varue, Cf prctectic<l or 0( our ~I":I: n tt.e p<OP6 ca~ as ~ri\'l . ..'~ . . .... .. wi: t;.a ~ ~/:aur:. ~ falfowffJ~ p.4,"'g~ph 6.;:>PIf.c:s O<7ty /0 ~ III Jct.rl:YOIJ 'be ~ dd~utl: "4 tf ~ l!ie moore C".a."l 1 0 Cays late r, ma~ a p.a-~ Yoo .,.,..m a!:s? ' . vs.eoJ fOPJJ "1 ~ . ~.t~J .J6::o::oo::l1-1 a:J1. . "" "' QoO<>U.Ct . )'OU ...... _ ~ )QV mode undo< tho Plan oc . 0l1)<I00 Is n ~ t.neSe<' 4.tl)" IMCU'1ty &Q\ ",-TIed made In o.....~ '\IIl'fth &f\ ~ l.r"'lder _ ~)W tdl bo" dela"".)'O<l <So, ~ 10<~. boo:xM ~ I)QV mah> _!also 0< rnls'.,.diog ota'emec<s 10 _ cred'rt ~00n or update 01 ~ W><ma""'- 0< It s6mettllng hBppeos .... - 1M)' --.ay Illd<JCe )Q<K .-y Ie> repay..hat )QV """,,, You v.'lI also be ., delaut< under tho Plan.)'O<J are h &>!aut< unde< any _loon Igroemo<:t w!ttl us. 15, ACTIONS AFTEI1 DEFAULT - 71>4 (ollowlng fUrogroph IIppllu to borro:we,... In Cclcrxdo. DIstrIct of Cclumbl.J, (OW6, IUnu$, l4!n". 1..(4~chu~tts. MI$SOu~ NebnJsb, West Vlrgln14 ZInc South C4rollf14: When )'0<.1 ate in default end erter e.>;>iration of Ury right you M'r'e unOe( a.ppCica~ state law to OJre yo<K clelautt, .... C8/1 demand _ale ~nt ollh<l ootiro <.q:>ald ~ undertt;e P1.a.n~ ~ you a~ notice. , T"l"H following p4f'119f71ph, llpplles 10 borrowers In ,alf other stste.s ue>ept.. ~(n <<nd Lculs14rl4: When you are ~ defaul'l, we ea.n require 1rnrned"L3la payment (acoeleraliooJ of 1ne entire r.mp.aJd ~ lJnd,er ~ P1.a.f\.. YOlJ waive arrt rlQf1.t )OU have 10 demand jo( payment, no6::e ot Intent to ao:eklrale and ooOce ci acceleration. The following p4f'11graph$ apply to bon'owen; In .fI &t.rt4S except.. t'r7$C.01'U/n .nd /.D<Jl$UIU/: It lnmediate payme<1l1s demanded. )'O<l,.;u """"""'" to pey nterest ..,tiI..nat )<Xl """" Ms bB<ln repaJd, ., Il1e app6cable n.erest rales n et'.ect l.<Iless I de!au/( rate Is dlscIose<1 on the Addeod<Jm. U a domo.nd 10< i'nmedia.e P")1'I'8nt has be<ln macle, the shares and deposlts fivon as SBOJrity Ix...... Plan con be appGed to.<rard:s ~ you owe. We can &so exen:;is.s: eny other rlg1ts ~ ty law ~ ~ e.re kl de:faut'... YO<J "ore<> the Credit Unlon ha:s the rll;Irt to lake poss<l$Slon of _ P"'?"rty ~ as s=Jrity Ixlfl adva= uodert'.. PlanI'<lt!1o<.~judldaJ p<'O<e$S ~tIlls """ be dcoe wil:ho<Jl b<eadl 01 the P""CB, ff.... ask. )'O<J ~ to der.....r the P"'P"rtY., a lime and pla"" .... ct>oos<I, w. ..m not be ~ 10< arrj od1<r P"'?"rty, no( ~ by INs Agre<>men~ 1M! )'O<J ""'" hslde the P"'?"rty 0< It\al Is attad>ed 10 1he property, w. """ try 10 retum lhat propertY IO)'O<J onnake ff available to)'O<J to cla!m. J.J.tLt< 'tI'e ha've ~ :.i : I s' , 0( the p-operty. we c:a.n sea It arrd aWi...-tM mor.ey Ie) 8rrf """"""")<Xl ""'" l.'S. W.,.,;I fivo)'O<J no&:e 01 anyput>"c saJe.or1he <late aftB<'l'l'kI1 'a privat. sale wiIJ be held, Our ~ for lalcing possession 0/ and ..mng Il1e property ",] be deducted I""" 1he money rOOljyed from the s.aJe, Tl>ose eos'.s """I h:lude tho ros: 01 storing 1he propertY. prepot'''Il ~ 10< ~ and a.omey's lees 10 the ""'-""l permitted uodef ".ale law or llVoW'Cled U'1der~) of the Ilaf1l<n.l'<cy COde, n.... rest of the oale money v.ill be awr.ed to ..nat)'O<J ""'" U'1der the Plan. 16. ACTIONS AFTER DEfAULT - WlSCONstN - Th4 (ollowlng p'r7I!lr71ph .ppPu only 10 W7scons1n bom;>w<,..:When)<Xl are" delautt and after a:xp<taWn of arrt r!,;ht)'O<l haw under applicable state law to cur. )<Xlrdelautt,'.... may req.k" knmedla'" payment 01 )<lUl' outstanding IoafI balanoe under tho Plan and $8<1< ~:,' ',nollhe p<opertY,'1\>umay~'ive the P"'P"rtytous ~)'O<l-, 0< .... may seek to lake possession 01 Ihe property by jod'claJ fl"C'C"SS. /I "" ,e,: : _ tho l""'flB<'\Y,)'O<J .,'" 10 pey raa<ooabla a>;><nses Ir>cumxl h clIsposlng of the p<operty,lIlhe P"'?"rtyls a molor_. rnoOile home, 1ralIef, c<".,.,~, beat. oc alraalt. )<Xl ,.;u also ~ re<;c;re<J \0 pey _ costs permitted by - 422.413 0/ Ihe W""",,*, Stalu\es. rr. .IoCTJ()NS AFTEll 0€fiAlJU' - LOLIISlAIiA - 7he ~ ~ ~ 0'1<'y 10 ~ bc.1.;;o+Wt.: vmen )'O<J are ., cSelaIJt. we can roqJre _ ~ (oo::eleo.tlo..) cI ..... ....... ul'"H belaral ..ro... ..... Plan. ""'" -..aiYe _ r>;tt )<Xl ........ I:J cIemard l:< poym<<t. tlC6<:<l 01 i1tert to ~ &I'd """'" 01 ~ . i1Yne<Sate fllI'ftl'OCC Is demarded. )'O<J >dI CQC'tirve I:J pey n<er-ost ......, _ )<Xl """ toss been repald at the ~ _ <ales h oIlect o.rless . cle!Wt """ Is cisdosed coll1e ~ ~ a cSemar>:ll:< im>e<:iale P")'T'8l1l haS b6eo made. .... sh!re$ and cleposlts """'" IS oecurlly Ix the Plan can be oppiod ~ _ )<XJ owe. W. can also -.tise any o<her 0;;Hs g/...., by 1aw..nen)QJ .:e ' n detuJl and cor 0;;Hs U'>dB<' any ~I ~ )<XJ ~ w!ttl "'- . ,"- CANCElliNG OR C>WlGLNG' THE PLAN - Th4 following pong""" rppl/4.s cr./y to ~ In illinois: We haY9 the n,;r; 10 ~ the terms of ,... Plan from time Ie> lime aiter ~ )QJ any a~ notlco req<.Ared by ia'o'<. "''1 :::r.a.~ So Cioa Ir:ter~ ~e Of c;;1her ~ ~1 apply '" MI.:ra tCvances. ~ loltow'.ng p4r#g,..pfu #.ppty CKlty to bo~ In ~7SCQn..sln: We can :t'.ar.c..e the terms of tt>e PWl from tir:"loe to ~ h acr;:c;Car..ce .....ftrl ~ .(22415 rl!he Y(""""""",, Stalutes. y"" ..-ttI be roc<.'f.ed 01 al''I ~ h terms, M raease , U;.e c!.aLrj perkx!.c rata l.'O;j.er a Ya~ rata Hara$t ra:a Is r.ct ~ a nano;-a n terms l..'1"'ldo3r the Ptan. . '/e can cancel the er.tire P'.a.."l 0< r.ft'/ part of tt>a P'.atl e: a..-ry tir.',e. You r:'.<!:1 c::an:::ef Jd P..arl at any ~ by ,iv'..ciQ t.."S prior .....r.r.en rlCltice. Yoor ot(~OOft to ~I U"06 "',pa.\d t::.a.!.3.'iCeS u/'"lOer ErA terms 0< toe Pl.a.1 ccc.tir"tJeS ~~.er )""'....lJ.0c" N aed':. l"'oioo ca.~ tho3 P1at1. ~t SO the e:x'!er.( tt'.at )'OVl'" ~litf Is w.Jl.&d t'y ~ Z2..",s.sc;>f~W~SUMe::s... . . . 'U~appM$IO~~ "-Ql)'OU~Che Tho foIk1w/ng ~ ~ eo bo"O",," In aII_ ~W r>;tt 10 chatlQo Ihe Ie<mS 0I1he Plan !rom tlme Ie> llme all<< ~ ,. ha.,." - """'" req<.Are<J by law. Mt ~ ., the inlerest rate >dI OWly to t::.. ~ rod'o'aro:e and., o<x dooo,&o<, and ~ 10 _ reqUrements oI.PP"eo!:ie ...~. aW'f 10 ~ balanc<>$. -... -.ill aI$oo 7he #oIJowIng pongnph ~ to all bcm>tw" o~ than ~ ~: M h::toaso h tho dally pe<106c ra'" LK>de<. >arle.bIe hle<est CO<<$ldered a change \1 b><ms .....ser Il1e Plan. W. can cancel1he..-.;,. rale Is ~ part 0/ .... Plan at ""I lime. y"" """ <:ar.c..lthe Plan at ""I time. Your ~~ any pay lhe ...,.,.;d baJat>:es U'1der Ihe lerms 01 the Plan ~ ~ ~ \00 Cre6t Union """"'" Il1e Plan. ,- 0< ltle &.ellons 21.25 "l'f'ty I/)'O<J give U<>Jrlty., OO<1r>ectJon with an advanoe th<: p1lon, Thq> apply to t>om>w.... lt1 .11 ,tat.. axoapl Loutdona. l.o<J~~ borTOWe~ wUf execute - uparatc ~rfty agreement. S~ In ou-:. ~ may .lso bo ..ked to execute << separat.e ueurtty ag~ 19, OELAY IN ENfORClNG RIGHTS AND CHANGES IN THE PLAN-We =- clelay enfol'dng any 01 our r!,;hts uncle<' lhls Plan _r:>Urrbe< clam.. 'MlhouI1oslng lhe ability 10 exectise "'" r!,;t1ts Wer, W. """ onfo<l:e tills Plan 8gahst)<>Or I>elrs oc- legal rep<esentatMl<. ff .... cnar.oa 1l1e terms 0/ 1l1e Plan. )'O<l agree lhallhls Plan w'JI cor1lj('08 to pro(ed "'- :>0, COlffiNUED EfFECllVENESS - ff Irrf par! 01 tills Plan Is detenninod by a. (::OU.rt to be ~. the rest l"r'iI remcG1 n efl.oct.. 21. THE SECtlRITY fOR THE LOAN -Yo<: fivo US ..natls Io1oYm os a se=i<y ""erest ., all property deser2>ed n _ receipt. 'oOOCf'oe( or Olher cfocune,'Il )'OU no:elve f9t an ~ ('It>e 0<.dvar00:01, The <ecurtty ntereSI )'O<J g.,.. h:ludeS all acoessloo os, ~ are ~ wl'.Od1 are attad>ed 10 0< hsta!led h Il1e flI'CPBrly now or ki the Mure, The $<lCUrlty l1lere.st also l1cIudes any replace no. ~ Ix_ P"'P"rty _ )QJ t<Jy \OollNn 10 days 01 Il1e o<.dvaroo:o or _ _, reoewaJs 0< re/ir.arldog of the Mvaf>ce, h aIsc l1cIudes _ money )'O<l _from ..ling ...... P"'?"rty 0( from ~ )'O<l have colhe property.lIlhe wive of the flI'CPBrty' cledioe;s, )'O<J promlse to g;.." us more property as oecurity ff asked 10 do 00. 22. WHAT THE SECURITY lIITER.EST COVERS - The S8C<Jnty Interest uarre'" the At:tance described in die receTpt. \'OUCher Of arry other document)OO receive at the time of the .Adv3nct3 and 81'rf e.x:etlSioos, renewa!:s ot rer~ 0( ~ ~, h also S8C<Jres any other IMrooes )<Xl have now or _ ., IIle MJr.. . under the Plan and Wi clher amo<Jr1lS or Joaro.s, Includ""'ll arit ~ (;aid Ioai1, l"<' , owe '" lor _ reason now o<n Ihe Mur., ~pl_1oafI S8C<Jred by)<l<Jl'fl'!t'dpal reSldenoo..ff the propertY Is householcf poods as cfetitled by ll>e Fe<iei.fTcacfe, C6rnmlss1on Cfad1t Pca<:6ces Rule, the properly v.ilI secu,. ooJy the ~ anO npt other amounts )'O<J """,,,. , 23:OWNERSfHP Of THE PROPERTY -You promls<llhat)'O<l """ the p<opert)'o(' ~ the o<.dvaroo:o Is to t<Jy Il1e property, )'O<l ~ )'O<l v.ilI use 1hd Matteo Ix 1I\a~ purpose. y"" pn:>mlse !hat no ooe else lias _ "".rest n or daXn apalnst - property that)'O<l ~ no( olreac!y told us about. You pro<rba no! to sell '" ~ Ih<> P"'P"rty or to use l as C8Q.Jl1ty Ix I IoafI Y<l:h another ~'" untiIll1e ~ ~ repaid. You pro<rIs< )'O<J ~ allow no c(he( oecurfly InIerest or ion to alladt ., Itle p<OPOrty eltt.er by y:x.< actloos or by Qperallon of law, . 2~; PIlOTECTlNG THE ~RITY If{TEREST - ff )<lUl'_. ~ a 1Itle ~the p<OPOrty, )<Xl ~ I:J hIM> "'" ~ _ shown on 1tle 1ltle. W. may tIaw .10 file ..na'1s caJlecf a 5~ ~ ., pro<ec! our securlly Jr1l.a<'e$l1rom ~ ciaIms 0/ c<t'.e",,~ asked 10 do 5O,)<Xl ~ to 091 a tInardng ~ ~ also prom1se to cfo wl\al.....r else .... 1Nri< Is neo>ssatY 10 I'<<<ed we ~ "".rest n the.property. 2S. USE Of PROPERTY - Untl ;.. NMroJ Ms been paJcf cf(, ~ p<e<nIs4)<XJ. >0')" (1) Use the propertY carefvl1-1 and keep 1 h good repair, ~) CJtlI;ai1 cd ~~ polTnlsslor1 be""" rr.alCng maio< c/largeS 10 lhe P"'?"rty or c:!langIng It>a I (< >ot;e", the P"'P"rtY Is Io>p<. (3) Ir1txm <IS ., 'Io'rlting beIore ~ y:><rls~~ NhH us to k1spea Il1e J>"Cl'BrlY, (5) f'ro<TW rd!Iy <IS I the p<ope<ty stolen 0< abused. (6) Not use the property l:< _ ~ p.rrpose, 26, HOFmi OAKcrrA HOT\C€ TO flORROWERS PURCHASlN~~g:f~ VEHICLE. THE M aroR VEHICLE IN THIS rnAIlSAcnoN MAY BE ELSE. REPOSSESSION. If IT IS REPOSSESSED AND SOLO TO SOMEeO.!!,E"",o IN AND All AMOUi'ITS DUE TO THE SEC1.IRal PAFlTY loRE tiOT R v<o"- l1lA T SALE, YOU MAY HA Y'E TO PAY THE DlFFERE/iCE. . UR 27. VERMONT NOTICE TO CO-SIGNER - YO HE SIGNATURE ON 1iils NOTE MEANS THAT YOu ~E EOUALLY UABLE FOR REPAYMHIT OFTHIS LoAN A '~~GAL BORROWER OOES NOT PAY,THE LENDER HAS RIGHTTO COLLECT FROM YOU, . .~~r..,.." -_I~rn&Ir.e.~atl) ...., tl4Y'W to P<<t IIt'oIl"ClO ~ a.nd)'OU we h&\.oe to make 'JP .)OC: ..._...- -r~""~'" ~ you 1he Irct sta~ on'flrNctl h ~ (J(~ ~ Citllle ~ t.mou1l. ,"~C8.$oEl.""'9 wets.end~ any mh:s.e< ~ 'I<ou 0SI\1oIo(ohone us. b.< d<*>g sa .... no< ~ )'0<1' r<,;r.ts. oIll>o """""')W """ and 1M <l4l. If'4t lis "",", · Ital..".". 'In y""" '_. pM> us ... ~ W:><mallor>; /I)W IaJ '" pay.... ImOU'1l -.... lhlnk)'O<l ""'" .... may "'POrt)O.l , . ""'" name ~ oo::ount.-...n!w, ~, W our e>;JlaM!lorldoos not oatis!y)W and )'0<1 wrilo 10 us ~ ~ . Tho ~ amo<"n( oIlho .. "PO"'od .m><. . I<>lrng us 1hat )W ..,. - '" P'<t. we Il'<lSllo<l atl)<lOo we "'POrt ~, 1en.dl>r> ha'.at)W . Clesc2><llho "'"'" or<! ~ .)'0<1 CaJ1, -.tly)'O<l be1iow _. is an enor, .... repo<le<l )<<J \0. W. I!'USt I<\lI at1)<I<'>O .... report )'0<110 that 11>0 :;:: ol_ /I )W n<><<l more Informa:tion. ~ .... kem )'0<1 er. not""" about ..ttlOO be~ us ..non 1 Mally Is, " 'N$ be-on 11 yoo M...-e authorized us to pay a CteOt card aCCO<Jnt avtom.a6ca1ly from your share If'l'r"e doo't Ionow Inoe.se Mas. we catl't collect U;e rll'S'l. $.50 of the Ck_t- _ . aCOXln( Q( cheddng ~1.)'OU C3ll ~op th6 payment on 81T'f amount)'OU tttlnk is tl"r'IMl()ovr' ctatement was oxred.. . -'---"'loeQatnovrIt. wrt>o'1g. To slop the paymenl)W' letterll'<lSl reacn us live< business days beforo the SPECIAl. RUl.E FOR CREOlTCARO PuRCHASES -It)'Ou haw a ' .utomatic paymeolls sd>oduled.'" OCOJr, "'" quar"y or p<'OP<lrty O(..r.i<= thal)'O<l ~rd1ased with a ~ ~ ""'" YOUR RIGHTS #lO OUR RESPONSI8/UTIES AFTER WE RECEIVE yOUR ha.... tried 1n!;'OOd IaiOlIo ""'eel.... p~m with the men::nar.. you and)W 'WRrTl1:N NOTICE .We mu:st ~)"OUr Jette<....-fthin 30 days. urJess we. right not to pay tno remaloit'lg atnO<Jnt due on the property or ur.ice:s:. ;:ZhaYo the ~ corrected the error by !:hen. WIlNn 00 days. .....e must either corred the error or G'mital.ion.s on tnis right: (a) 'It:wJ must have made the purcha.se n)'QU' tar.,e6:ae two explain -.tly w. ber_ !he Slal.me<'" >-as cci'rect. . not wfth;n )Qlx home _ \Ooltt1in 100 miles oI)'Ou' C<J1nlf'll malli:lg ~~~ Jo,httr.... raceM> )<<If lette" we cannot "Y to CX>IIect 8rrt amount )'0<1 qoestio<l. or (b) The P<Jfd\ase pOOl rroSl """" beeo """" that1 $50, ' report)W as clellnquent.W. can "'"'""" 10 seod otatemeots k>)'O0Tl or operate Itle men::nar.. or.";' mall'" )W ~ hdudlng finance c:hatpes, or<! .... can apply 8rrt unpaJd amo<r.l )W the a<M<1!sement fo<". proporty or..r.Ices. 'Il-.,~tllf./ =i' I r tC o{~'./' ,~r <1;/ =i =iM:Nr "4~/' k (;//1 (:, "', ~ =iN ,l/Ucf' ll-"f If~'}."f 1/;/ In _ ~ !he ~ )'O<J and you( me3/'I$ e.acl1 and all 0/ _ ..no em New Balarol o=oeds)':U' D-e<:it li>e, )<<J oust Inmed<aleIy payfle <= 4X>n "', lor (he CBtd or..oo <lgn< lhIs ~ Card m<wlS ll>o VISA Cn>d1l Cud and eny Oeman:!. w. ...., oWl ~ 11 !he """"""'11 mamer. fi<>llo pr'fMous .... toe... dupl'>Cates or<! renewals we lssoe, A=xmt means )'0<1' VISA CceC" Card l.Ioo oj 11>00 k> prtNI:>us ~ edvat=s fnaroe d'~ 1t;>eo k> prv.ious pcrCt,... _ Crodi< a.:=unt witt1 us. We. "". and 0<..... me3/'l$lhls C<~ lX1loo. ' d1lu1;>es, IherlIo ~ late ..... Iheo k> Pf"lous cash advat10e --. IherI b 1, RESPONSIBllJfY - K.... ~ )'0<10 card, )O<l.g.... to repay all debts erd prv.ious puod1ase .~~~ ~ ltlallhey were ~. k>)<l<X ~ 1t>er> .,... F'1tloUlC<l ~ arlsiog from Itle use 01 the CBtd and the card a=<.r1t. FO< \0 ~ cash """""" ~~. ~~ IherI ., 0JrTer1l P'J'~ ~ baJarces. example, )W ai. ~ lor cNrpes 'made by)<><Jl'Sel'.)<<If spouse.and mho< 7. fiNANCE CHARGES -You can r.ook! F'nance Ctwpe on P'Jn:Nses bypay;rv c;tlildce<>. You are aJso'l'O$pOO$lbl. fo<~ made by 8l1)"I>O else 1o'....nc.n)<><J the tua OJTlO<X1lollt>e NewBaJar.::a of Pun:hases ead>monttl_25daysol)'O<lr g;.... (he card, and IhIs ~1ay continues lXltil !he card is ,,,,,,,,,,,,ed. You staieme<1l Qoslng dele. .O<herolse, It>e New Balance of Pun:tlases, and the C3J'<lQ( ~lm (esponsll><1ay by no<i1y!ng us, but w. will dose !he a=<mt fo< (>eW subseque<1t purd1aseS from lI>e delelhey er. posted 10 )W' aCOO<Jnt, ><ill be subject. ~ .)W $() _and ,.lum all cards. You,oU'l1"tlon to pay !h. eO;o<,"1 to 1"",""", Cha~, CasI1edvances e'e .1I>.ays S<Jbjed Co F",""", Ctwpe from the ba1a.nce continue..s eYetl IhocJgt1 an ag<eemern, d'1"w'Qf"Oa decte-e or other court date they are posted to)'OUt acoount. - ~ 10 ....nk:h we are not a party tr'Wr/ dired )'01..1 or one ot ~ olher perscns f'urch.asu: We eaJcu(ale )'OUr fLf'lal1Oe ehar;e by rrn.tltiplying tf1.e: a....erage ad'"ps1ed ,~. \0 pay "'" .=<Jnt dally balance (sa< ""Planation below),lndud'.ng r>ew P'Jn:t\ases, lor !he 1><'Wng eycle 2, LOST CARD NOTIFlCAnON ~ 1f)'O<l bell..... "'" card has been lost 0' .,oIen. by the monlhly pallod''' pvn::hase ral. as c:isCosed on 1t>e addendvm. )W",;Il_"'t.lycaJlll>eC<ed'.U"""'e1[717)~0((800J237.732a,M.r Cosh Adva/lQU: We cak1Jlale )W' r"""", cN~ 0<1 cash advances by' hours c:alI (600) 55&-507a. . mvltip/jing Itle .....ra~ adjvsted daily baiarlce (.... e>planatIon beIow).fo< cash . 3. UABllJfY FOR UNAUTHOR!Z.EO USE - You understand !hat )W', tolal advances d<J<lng ll161li11'1tlg c:yd< by l/le monlt1ly pellod'" advance rate, iab<Iity 10 lho Cred'" U""'" otlaJI nOt axceed $50 fo< 8rrt card transactions resultJr>g BlJanoe ComputaUon Method ' !rom (he """', lheh 0< _uthorizeduse 01 !he caro:f that oo::>.Jt$ pOor 10 Itle ti_)Q<( AYer.lgd Paily &Jani>s Ix ~ . The he<a~ Dell)> 6aIat1oe Ix f'u!d1a$e g;.... rlOllce to the Cr~ Union. Sud1 bbiIity'does not filPly..non !he card Is used Tr3nsac8ons Is """"1Ad by edcllng the llaJIy Balances (P\irctla$e TIlItlS3dk>n) fo< Ie maJra eledro<-k fund ~~ Tho Qod;( Union uses ,neural netM><1<s. - by ead> dzi li l/le billing cycle, and ll:"'" cf~ bY ll16 rx.mIw 01 ~ h lhe biting.: ~ Int.~ can ~e and alert us \0 p"'.ntJaJ fraudvler1l transactions. <)de, To <aI:okl. ll16 0aIy BaJar.::a fo< ~ e.acl1 clay. ... _... ~ 'Those alerts may ponera" hqWles about)<<lf use 0Ilt>e card and.... ~ steps:Welal<s the ~baIanca (all em<:IU1ls )<<JCJWlO) at It>e sIatloffle day, "'any h:otM>nleooe IhIs ~ cause. The<i, l-llt>e 5OqUO<lOO 11 Mi:l\ amounts are posted 10 )<XJl' eo>O<a'll. ... adrIlhe ~. CREDIT UNE -.r.... &ppI'l:MI)':U' appl'.caJSon, ""...tI establ'<sh a seIl- an>:xa'ltsolaJIdebl:sandS<blzodlheOttlOU'll:lolaJIO"O<its()(~Mi:l\po5l ~ u-.. of Cre<it fo< )<<J and nctity )<<J of as emoo-t M>en .... Issue Itle 1o)<XJl' acx>xTOt that clay. "'" oppIylng ~ and cro6ts, ,.. O<btta::l .... card:'I<ou.ll"H not 10 let lhe ad!>:ount b<Iar<:o _,... ~ ~!.he. Eadt atnO<A"IC of any ~ _ ~ 0( la'.. ~ 'Thet1.... lObo O<btta::l the ~)<<J mal<# "" .... ."".,... ... __ )<XJl' ~ I.he by lI>e atT1<l'.X>t olll>e amoc.ot ol any Cash Marco "'.-~ fo.et posled k> )<l<X IJCt:()(.nI on tlel da:to< P8l"TWt wNch Is app/led ., ~ pct-q>eL'lOO rMt t\lqOO$l an ra..as. 11 )':U' Credt h 8rrt ~ day I1Itle ~ cyeIe. ThIs QfYos US ll>o Da.Iy Balanoe Ix~ u-.. WI byMtr.>n ~t:l us...t-Icl11l'<lSl be aw<wed b)' O<IJ'~ corT'tT'Iltee A""'gd Ddy Balanoe IxCashkfvenoe$. CasI1 MiaI>:;e T",,~lS _.... ()( Joan oIfioe<. ByQMro!l )'0<1_0 nolioo.... mayi'odvoe j<>XCredit li>e from time posled Io)<l<!facoovnl ere not i-doded 11 the A"'n1~ Da.lyB4Janoe ~""....,., lor ., fmo, 0< Mlt1 flOOd (3IJSO, - )<XJl' card and """'"'"" tis /o{;reeroer'<. Good P'Jn:Ms$s, &f>d are lherefo<e n<:( sOOjed k> lhe ItlC>"<t1Iy pe<Iocf" rata fo<~' =:se h::ludes)Q<.W' laIu'a k> ""'l*I><llh tis AQroemert,or 8rrt ""'"'.~ Mlt1 The Ave<a~ Da.Iy &lance Is c:eJcvlated ses::ant.1y '" Cash NMrces and is .... 0< o<X od'o-e<'se ~ of)Q<.W' ~ 'ltJv may also lenT'Inne lH:; svbject 10 lhe Castl M>-aroce \.CoriNy Per106c Rale, The A"'ra~ Da.Iy BalenOO fo< ..... oement at any fmo, b.Jl - by _ of us does not aI'.ed )'OU'~!lorl Ce.sI1 Trensacfu-:$ Is eoJakled by adding Il>e 0aJly &lances (Cash Trinsadlon) Ix o P'<tt>e a<:ooU'\t baIanca. The caIt!s remal'1 ovr p<'OP<lrty and )<><J IWSl """""" and each dzi 11 !he b<I1ir9 c:yd<, and lhe<1 cM;ing by Il>e numbe' of days I1Il>e b<1r"'ll ~,k> us all caIt!s l,p>1 O'oJfrequestand ~ Iermlc"''''''' 0I1!;Is~. <)de,To c:eJaAate tt\e DallyBaJaroe fo<cash aad1 day.....lal<s lho ~ sleps: ;, alaxT INFORMATION -.'ltJv autnorlz.e us 10 ~t. )<<If aed'" S'.aro"ll W. lal<s t>e ~ b4lance (all &/1>0<:,"" )W owe) at !he c<art of lhe ~ .t>en ~. ~ 0( nMewi<\g )<<If ao:ount. and)W ou<tx:<'oZa us 10 d'~ 11 !he ,",,""""" 11 y,f-Jdl e.'l>O<rts ere pos:ed to r-"'" eo:ooot. we add the r 'l1ormaOOn ~)'O<I' a=:o..<1t 10 ~ bur..", Lod ctl>er c<edlto<s ,.,t,o;,qulre 0I0!1 debi'..s and co.btract Il>e ~ of e.' cro<<ls 0( pa)'TlO<1lS wNch ~ i us about )<Xi<' c:rod't ~. 8<XO<.m that dzi, M.r ~ p8)ments erd ae6ts. we Mlract the amount of . MOf'ITHLY PAYMENT - We .....ul mail y;xs . S"'..atament e-.-ery tnc<'l'ttl~.nc 8.'1)' lJr.paX:1 FlI13/"OJ Ch.a~ Q( late Cha~ Thoen we alsO cvbtra;t ttloe c< k'\ &rrf our Pt~ ~ c;( f:Urc;tIa..s.es If)d ca.sh &Cvances. tt\.e OJrrent trans.a.c:tkx.s V<Y ,Purct'\ase Transac:tior':S that ~~.1cl )'OCr 1lCl:X{l..'f1t 011 th.a.. ut ~ n )Wr aeoo<:nl. ltoe '"'"""'''II aecf. ava1IaJ:Ie O<">de' r-"'" C<ed'" lJoe It.. New P'~""'" day k1 the b<lfi"ll <)tie, Th" g...... us It.. Dalrl &lance fo< ~_~ .00 .a.!.ar.::e.s of purd'.ases I.t'lod ca.sh adva.rlce$. tt;.e Total New B..a.!arJ:::e. ~ Fna.....ce Tra.'tSac;tio(o.s. Note: Ca..n A~ a.rtI af'way1cubfect to fln.al"l-Ol' '.- ?'\a.."'-A CV4a Ie data and lU'w OC'W3r blUed I&a:s e.rd the Mir.irnu'n FT~ "-"~(eC. from tf1.6 c!.trf th-ey ~rc po:r..&d to)'<<lr .CC(lurr.... . '..-- . -'J I ' . J......"..~.,-. .' lhe{\to ~ monttl )'OU must PJIY a, Se.a.st Ihe J.11l1knr.lr.l Pa-.rmem "-~ 2.5 Ca-fS cf y,x:r Pa-fT'T'l'en~ are ~ .., e-.e ~.ng fT\.a!'\Jil3r. first Ie pre-Aous late ~, ~l~ c:k:=sJnw date. By ~rale .",,~I)'CU m.o:;r ar...ctt"d.z.e c.:s to ~ tt.e pr~ ca.sh .ad'v;af'lCe:S f/'l.ara::e c::h.a.tg.e-s, u.en to prtMol.."$ ~ = ~ pa-~ aU'tomaocaily lc yoc...,. share ex cr~ eco:...:r.t Ytt.." t.:$. You rr~. cna.."Q"ls, t";.en to ClJrrer:t lale 5&e:s. !hen to previotJs c;s.s.~ apvarce ba~ u-.en CO<Jrse. poy n=e !raque""". poy mo<, lhan ll>o M"""""" P<r"""ru. 0( P"'I "... P''''''= P'Jrct'a5e beJ;ulce:s n!he Q<de, ....l....,y....<e pos:ed 10 y:>Vf aGCO<-"'oereo<s "'1 New ~ 11 MI, L'<l )'0<1 will reoxe It>e (= cN'II" by dc'r.;; ..,. 10 C<Jrrer.t cash .d-.1>...", ~, and Itoe<1Io "-"'"'" ~ b8!af>OOS. tt.en .. rrir>im.r.1 paymeol "" 1><" (.) Z'Io 0/ )'OU' To<aI New BaJ=. ~ l.I' 10..... are a,."?i'.oo fim \0 "'" par1laMr l)?e ol debt ~<:n Is be;ng aed'rted.. Wi, and '" ......, doIaI. or (b) $:2Q.OO, ~ Is ~, 11 ad6tici1. ., L-rJ liroe )'OU'To<aJ '" ll>o bataoco cI )<<0< ~ ' , ' ":flr.{~" - ......--. \0<1>0< In&l1 "'" '*""J ~ ~ 01 goods and uM:es ';";"'~ and ....,. ....-.aon< '" """'" .....' """"""" ~ duO · )'QU<' VISA 1o&n b ., cle-. .... am orl:j r)<Xl hIM modo a QOOd fallh""""l". t..~ ,haw boon '~::-lo- ~~ >by agn><l thal.... may ~ suspend)<X.< 1'JM am a<xeSS r)'QU<' VISA ..~ from ...... morc:tw't. rd ,., -- "'^"' ~ is di.>o jo< a po<1od 0XCEH>ding 30 ~ 'lW MIl &!$a be 11 defaUlt r )'QU<''' :.. 1M...... ...)'OU' ~ "."'_11 ""Ponse """'Y" repay'" is ma,,,rlaJIyn>du:oodbya~")'><JI'~an an_we_o<~I1~)'C<l.O<(b))<)U'~ I:l ""'HS< 1:1 ~w ~ ~ << ~ p.o<. .:I.,'OS h.QM->g )<Xl. more lhan ~ and..... mode from a plan lM<tNrt 11)'OU' _ 0< ~ 100 ClO$l ,n, /a!ut'o oblde.....lhls ..~ V wi 01 oIl"U"homo.At1y_~)'C<lrrust_~YoiIh!heplon ~ .,..._<<)'><JI' 10 .., ......._,_~O< II'oe .... QZ&<<Crlty' 13.SECURITYlNTEIlEST-ToCOCl.1Ol"U"acooo.nl,~'~~'_aTOOr<l\att. _ mate<ldy cleclInes, We have It>e right '" clemat>d IrM>edlale peymeol 0I'f"X ~ ._...... ~.~ lA'lder It>e . ,~_ ~_.~..';.:.":-;,. - ~ >A acoount balanoo r)<Xl default.. subjed 10 0<Jl' ~)<Xl arry nodco reqJred by ..~-, -., ..~_. ~.~'" ~,.._~ "'^'" "111y_ ""'. To 1he extent permitted by law. ~ will also be "'Gulred 10 pa:f OUt Wledlon ~ tlvo<Jgh the ace>.rt. K)<Xl clefauft, we v.'ll Nw!he rlght 10 r-." )'C<l ~,In<:lud'<Og c:<l<IrI costs end reasonable attorney fees, Ihese ~ .mlch we law root been pakI "" ~ cur '~5on r I11y 01 '. USING TIlE CARD _ To '"""" a p.:n:hase 0< cash ad\>aroce. lho.-. are two pa)T1'<!<1ls ;, the 1l\'W'"' """"bed ;, lhe Mo<<tVj Pa)mont oection. WIlh <lI)'C<lr ~ ~ ., be i:>llowod. One Is "" )'C<l 10 p<ssent the car<:! 10 a lhls a""""'" only, we MIl no( ....rt erry $lalulo<y r\;tJI .... may law v;:J""'l ~ .~ VISA .".. merchant. to us 0< aJlOthe< f;nan::laJ~, and -'-lhe clelaull to p<'O'o'9<1I ..tlndravoal 01 )<l'J1' ~ creerrt lIl'ion ~ ~.- -........-~ .-' .."" belowthe~l>alan<>lol)<l'Jta=t.fioweo,>e(.,~"",,,,law~~) ~ "" cash advance d<aft..t1lch w'll be l-rl>tWed - )0..< card, The OIt'oer Is to spocffic pl~ of )'C<lr CTedit lJr1Ion sI>ates (Deposlts) ...0<.-""" _. ,,~, us a orrpete !he transaGtioo by ~ ~r Perso<".a1 Ideotif>ealion Numboo' (pIN) in ~.._. . ~ . "1 ....-" "~ Ple<lge of ~ with 1he card in en }..o.ft.om.ated Tener Ma.cr.lr.e 0( ott;er type ot ~ ~ ~ 0( othe~. Of any (lIher security ll!erests b' a~ )'::It.n' debts. ~ &c:count '-'--'-'1 ~ eo:e.ss 10 theVlSA~'m. ~.. _., ..,,, ~ ...:II be seo.Jred by)'O<n'~chares (Deposlts) and by the P<'OP<lny~~,.~ ~.....w"'" .........._ -J"'- rvuagrool.lloCl )'O<J.,..,..........1..l$e)'OU( lhoseothersecurkva~e<<f'Ie(ltS.excep(b'",",,~~ --.........,.;;z.l art! "" arry ~ thai Is IIegaI \Xlde( appllcaI:le federal. state. 0< local law. The "'J In 'O<'tt# statement willOeotity the mecchanL. el<dn:ri: tetminal 0< linar>:iaI hstitvlSon 14. EFfECT OF AGREEUENT - Thls ~ Is !he COt1l1>ct YotOch 0{llllI0s 10 , ..- ~ """" made. but caJe. cash advaroce, croQt 0< Olhe( of9s c:amo( oJ! ~ 0<1 )'O<n' oo:oont ewn ~ the -. cash edooance a.&t 0< ,ro<umod w.lIh 1M staleme<'<. _""" retaln a CO\l)'oIcuchcr9S furnished at lhelimo 0It'0e( slips ~ slgn 0( reoelva may COnlal1 citlerent Ierms. We may ~ the '.... o-ansac6oo ., O<der" wrlty!he rnontIYy s<atemenl. The C<-odi1I.Won may maY.e ~ frt>m Ume 10 time by ..nding)'C<l the advar>oe -.0 nolIoe l'O<l'h<l by ~ ctwlle to< pho(ocopIes 0( clips )<Xl =t ~ law. 'lbur use 01 the card ~ ~ nlicate )<l'J1' agn>emenl 10 !he amo.ldo,~ <>. " RETURNS AND ADJUSl1.lEm'S _ M.tehants and others who t>ooor lhe <=l To Ihe axlent !he law po, "--' we r6cale 11 O<lr rollce. ameodmects v.'ll apply q pM> credit 10< returns ard aajU$tmenls. and tho)' ldl 00 co by seOOng us a 10 )<l'Jt e>lsllng eco>.rIl balance as - as 10 future lransedlons. -..da 01'9 _ we ,..;~ post to)<>Ul' eo:ount.lf)'O<n' creda atld payrnenls _ 15. LATE PAYJ,(EHf CHARGE -If)'O<n' 1J'>r'lnYJm f'Eyment Is "" pakI Y<itt-<.1 15 "-'1)<Xl owe us. we will hold atld apply this CTOd'rt balance a~nst Mure pun:na.ses days at'..r the Pa)ment L>.>e Date. ~ y,ilJ be oU:j<ct 10 a slngle charge 015% 0( the cd cash advanCes. "" ~ k Is one dolIat '" more. rel<X>d h on)<Xlr WTftten request 0< mInIm.ml ~ ~ tlO<'MIic8JIy ~ c!x months. 16. COpy R!,CElVED - "'" ad<r>o"led\le n><:elpt of a = 01 \l'l:s ~ :f ~ ~fj( ;{'1l'/{" ;f.1N/'J-"i' (;'~ 'l'f..i~:f ;"IMr"~r<i;~~:M/:/I" ":"'/'~ ;/:(t!II':.({'ll'Ii* 'll-ilj~'J-iIJ;I=- ",EY Access CARD CARDHOLDER AGREEJ.lEHr. The Undersigned (you directk>rls to a h<.m3t1 Iole<. y"" also U'lcle<stand!hat a Merchant YotId1 eo:opts yo<:<). 1:1 consIcleratioo of '!HE PENNSYlVANIA STATE EMPLOYEES CREDIT the MONEY ~SS CARD fo< a PV.i:hase ~dlOn may""'" an eie<trorlc lION (-. our and...) l=ilng 1o)'O<J a MONEY ACCEss CARD,ofiereby awee Ientllnal (Merthanl c>pe<a!ed 0< Sen-se<Ylce) V<l1idl reqLlr.. the useol)'C<ltPIN be IoQalIy \x><Ind by !he iJIIowing terms 5nd CX>n<froons, YO<l agr... 1l1a1!he use of and )'ollen !<'<JI' ,PIN Is used 01 a "'el1:!lanrs terminal. . \WI autl1enllcate and Jr MAC c:ard(s) con:stitutes lI.o::eptance of 1he Carms and cood'rtions of t'lis wlidale !he diredioMs gr...e.n Just as )'OOr adtJa1 slcnatutll wilt authentSc:ate and ~nL VOc.l understar'ld U\al MAC-1:s II. aed"rt-o(etated sel"Yice and you atJthorlze 't'a1idale your directions given to IJ$. You acknowfedge that )'OUr fiN Is an EClI &0 obtain II. cre<frt report 0(\ arry users of this .o::ount 5dentif"lCatiOo C:C:lda ltiat is ~ ar'Id confidential and that the l.:Se of the PiN Acoo<mts and Uou of MONEY.Access CARD v.itn the MONEY J,CCEss CARD Is a 5eC<Jrily _ 10< )'O<n' _(s), Yoo haw '"" ao:ount(s) ~nduding Cheddng and Regular Shares). V<l1idl we set .' Therelore. YOU AGREE TO TAKE 1JJ.. REASONABLE PREC.IJJTlONS nw Iorth 0<1 ~r app!'>ea00n llnn v.ith Il1ls Agr.-.,nt. You hereby "'Guest hi we N,? ONE ELSE lEARNS YOUR PIN, , Issvo 10 ~ one 0< more MONEY ACCEss CAAll(s) to be used 11 connection 3. Llabltlty for U",ulhO<ttedT"maCllofl$ . with oucl) ao::ounts as desqil>ed In Illls Agre-ement.. : Yoo agr.. 10 contad us at once ~ )'C<l belieYe'the MONEr ACCESS CAFlD(s' 'II><J uncle~ ~ may -use 1he MONEY ~SS CARD 01 a MONEY is$oodto )W "" PIN has been Iosl (;( 5Iolen "" money Is ri1IssIng from)"<lr ACCESS CENTER" to (1) YoiIl1draw cash from, (2) malle '" arr.onge fo< cleposltsao:oont(s), y"" ,also agro<l Il1al ~ )<l'J1' rnontt'Jy stalement ~ ,.. .......,. In. (3) eNect transfer> to 0<. from )'><JI"ao:oon~ (~) recelw 1nIonna00n regaJd'ong .mlch ~ d'od no( maY.e. and ~ do no< contacl us _ fIJ day.s aile< \he \he balanoe 1:1 )'OUC' aocount(s)' 0( (5) I1)al:a cash advanoes frt>m )<>1< ~rt 5tatemefll was malIe<f 10 )<Xl. ~ may no( pel erry money lost aile< !hat Ilme. ao::o<J<'O(s)1n \he"""""" ~ reqvest. y"" may also use &lJtomated _r YOU AGREE nw' 1Flt:lU GIVE'lOOR MONErACCESS ClJID(s) and PIN 10 macllInes ttVOu\lIloulthe lI<1lted SU!es and 1:1 ce<Wn. fo<olgrl CO<Jnlries ..t1lch SOMEONE ELSE 10 USEYOU ARE}UTH()fl(ZJN(.l THEM TO N::T ON'lOOR bo4t\he P\.US SYSTEM" """,",and logo (1) to maJo:o wtthdrawals from, (2J eNect BEHALF ANOYOUWIU. BC RESPONSIBLE fOO ANY USE OFTHECAFlD(s) ~.,<< Irom. (3) _ In/ocmatlon ~ the be.Ialloas 1n)<l'J1' erTHEM.YO<l"""'los..l)'QU<'moneyl1th..co,<~.)ll~_i'IO~ ~ 0< ~ __ K)?U haw a f'e<s.onaI Se<'\>loo.l.oan appro:Ned and ., no<<y PSECU of \he Ioos 0I)'QU<' MOtlEY ACCESS CAAO 0( PIN. 6aIOguard In plaoe, )<Xl may also mal:e... cash adwr.ce from ~r PSL. 'lW further )'OUC'f'e<s.onaIIdenlIlIC<tlonNo.rnbe((PlN).Oono(lelIo<clisdose)'OU'PlNloany undemand ~ may use 1M MONEY ~SS CARD "'p.:1'd1ase goods and _ """"'" Do no( YoTtIe )<l'J1' PIN 0<1 )O<Jl'.MONEY N:X:;e;S CARO. 00 no( uMoes ("Putd1as<I1 01 err{ retaJ\ _ ("IJen:/wll") w!lere MONEY keep a wrltten """""" 0Il"U" PIN near)'O<n' MONEY N:X:;e;S CARD. 00 no( ACCESS CAAOs .... ao:oop<ed t>y sucl\ Mordlar<. ~ )<Xl U$<l the MONEY d>oose a PIN lhe:t Is easfy -, . , ACCESS CARD ., make a Purd>ase 10 cbtai1 cash, . penr/lled by, the A MW card =t be O<det'ed "" ~ at !hat time and a 'hold" wlll be pl<loOd 0<1 Merd>ant. ~ ohaJI be reqoesdng us 10 w1:I1dr.tw f<.o:ls 11 the an>O<>'1l 01 su:h )'OVl' old cam. A.~er su:h time, V)'C<l fn:! l""r old Clllti 00str0f the old card by ~ r~ erry cash reoelw<! frt>m Il1e Merdlanl) frt>m ~(~ QJttlng ft In hair. K )'C<l attempt 10 .... )'O<n' old Clllti k v.'ll be captured er.:l Shares and c!lrecting '" ~ting .... to POOl w:tl f<.o:ls to the Men;/latlt. re~lned by !he MONEr ~ss CE1'ITER. PlUS SYSTEM. '" HONOIl.s:rM. _ roquest thal .... Y<<l Jl<'O'ide )0 )QJ .su:h _ -*'>s 0< acooss 10 o<her .(TM ~ en..' syswns or ~ "'*'.1ltoe MONEY ACCESS CARD Yof'Odl we may...... maY.e . 'Ilea roalablo ard ..Ndl we a<Ms< )<XI "'" oI'.ered in "",. ~ , Yoith )'O<n' ~(sJ Yoo egr-.. to p.a'1 a 5<J ""'" ~ "" each deposit '" .,t:hdrawaJ axooeding 15 oet b1I1 0<1 y><X appGcation lltm. 'II><J else understard tr.rt """ time 10 lime )<Xl a"""""" yO<! agr-..tq P"t the 50 oent penalty cl'.aJV6 on erry cash <Sst<..,sem<'" '"""1 req<>est 11 ~ tt.at we prooMe = 10 adCitio:o<".aJ ao=._ 01 )<?U'S t.,,:>sadlon (loan a&.u>:e 0< .....'" ~ tN' Is lesS lhan $20, Yo<J ~ ~ the MONEY ACCEss CARD we tia-", Issued 1o)<XI, Yoo awee ll1lr.!he 10 pa:f a 25 08<1t ~."" ead! ba!a,= 11o;t..uy. 'lW....... to pa:f,1I'oe ~ """" 0/ ....Io'ONEY }.:;CESS CARD desa'bed in tnls.........ment shalT be set,.." '" b'aroSadlon "'* w!1ld1 are ~ by "" "" lhese ser.ioes or "".. c the I"IJLa:s and reg....o(a~ of each e.o:::cvr:t 'WhZd1 is a<x:e:$S&d trj s:..d1 Card. ~.k:h rr>irj 1e:le( be cffer9d e.s soc:h Je.<>..s 0( cr.a.'t'.e:s IT'./!:f be ~ 0( ~ J..of ~t l<!e<rtIIl_on Numb<r("PtN, wftt1 MONEY ACCESS CARD frt>m Ume to time. (00 unders<arod INt . MONEY "-=ESs CENTER", e PLUS SYSTEM .(TM Is 5, o.poslU '. that r..n aU'tO/'Tl.a~ed taGer. tt can and 'W!n perk:<m many c;( c-.e &a1'T">e tasks llS a tX.:ma.1 You ao;;re-e tt'~ ....t-..e<1 )?.1 mak.e a ~~~ at a MOl'iEY .J.CCESS c:::EJ'{f'ER : e-ll-er."ft:.u a~~ tr.a! b'oe Pei"SOf\a1 ~rrtif1Ca1ort N~ro( PIN 'M".k:h)'?'J ~ t\a'.-e!:".e rlo;ht lo'r'l3rfrtlhe 6eposltt;::.;,lo<ew rna.I::.e t'1e rocoey~toy.:.c. .::s.e ......t::'l tt;.e MONEY ~~SS CAFl.O is)"'X' ~1".a:.u(e.IGet1t.1lo$S tr;e bearer of 1f)QY ~~..er cash. c;:hed<..s or oC;er ~ to. MONEY }.t:;;CESS ~~~ "" C&.'" 10 !he IJONEY }.XESS CEt'ITER. PLUS SYSTEM ATM. '" cmer l.<1ders:and er.d ~ tr-.at th6'fu>Os ,."", )0..< ~ ~....., ~ """ end aut">enticat.. Lod ..Ildal.. ..... c!lrectlons C;y"" pst as y><i< ..~ fo<~" - L~ ~.lhe ~ 0I)<l'J1' ~)OJ """'" a1g\a:ur. i:ro c;o:-.., p<oo/ -,,)<Xl L'>d ~te L'>d w.>dal")O..< depend on o<.<~ er.:l~~.... p<.otloJaraco:oo.r.tl1""~' .it.f.!~ - 1-. -., It ..... MONEY ACCEss CAAO Is Issued Ix . Jolt< """"'""- )'OU ....... to be J<*1ay on<! ..."""ny kblG undo<.... """" oIlto1s ~ on<! .... .g<'MmO<1( tor -.~ ~ You a,,"" "'" r )'0<1 moM cleposlls 0( payments 10 )'O<Ir ~.) 't.'lltl ...... o<hor lh8Il <=h (d>ed<:s, dralts 0( oIher koms) and .... mal:e I\n.ls avallabIo ., )'0<1 lrc<n such cleposlls prior ., 1l>elr e<>lI<<oloo. )'0<1 a~ lhat.... may deduct .... """""" 01 such funds fr<m)'O<ll'ao:<l<Jl'll(s)'v.tllctt are not o:oI!octod 0<", r.... fur.:!s n )'O<Ir ao:ount('l .'" hsutfdent.t such Gme, )'OU v.ll1 pn:xnPltr pay to us any amount 01 such M1<!s _ are nol co&clod, 7~ AmendCTMi"lt of tht. Agree.me-nt Yoo agree that from time ., \!me .... mzt amend 0<" ~ .... tsrms oI,tr.ls ago ...ne<:t b:lvOng amendments 0<" changes ., add further MONEY ACCESS CARD S<>Mces or" ame<>d 0<" ct>ange .... ~ Ix...... services, We mzt 00 so by ~ )<:lments 0<" ct>aJ>ges lInd )<l<Jr use of the MONEY ACCESS CARD after die et'~ date of erry c.od1 amendment 0( change shall cons'Jtute yJ'Uf e.cceptanoe of and agre.ement 10 such ameodmeolO<"~. . a. OwnershIp '\\xJ a~ thai the MONEY ACCEss CAAD Is O<Jr prop<lrly and )<l<J -.ill S<.lrT'OOder llo ....llpo<l ror reqtJeSt You .go>e 1hal.... IJONEY .o.ccESS CAAD Is ~rrabIe, s.. Drsdocut'*C You horeOy acmow.edQe ...o.lpl 01 .... ~ "",'emont Wooring )<s'..r Joe. lInd a copy 01 this Agreement REGULATION"'E"' DISCLOSURE 1. Summary of Co<uumer liability . AU.C ACH .nd SST - T~fI us at once 1t)'OU ber.ew )'OUr card has been lost Q( cl~ Telep/lo<'jng Is rn. be$! way 10 Ice<lp)'O<J1' possit:<e _ do<.n, Yoo CO<Jld , lose all !he money n )<<Ir .<XX>.rl pl.... )'O<Ir rna:dmum owrdralllU>e 01 cred'''- n )'OU bel'...... )'O<II'card has ~ 1o$l000otolen. and)<<l tel us v.ll!lJn two buslfle$S clays a~... )'0<1 loam of !he loss 0<" theft. )'OU can loss no more than $SO ti oome<>ne usod )'O<J1' card MtIlout )'O<J1' p<lnnisslon. rt )'OU do not ten u:s wtd"lin two business days after you learn o{ the loss or theft of)'OUf eard. and we can pt'O'w'e we cooed h.aYe stOi'pe<t $Ol"t'IeO('I~ trom uslng)'OOf card witnouf )QV( permissl'oo it)"OJ had (old us, )'00 could Ios-e as rnudl as $.500. J.Jso. It )'C<Jr statement chow:S b"ansiers that)W cf"1d not make, telt u:s at once. If you do ~ te~ u:s 'Within 60 days alt&t' the statement was maned" to )'01.1, )'O<J ma:/ not gel bad< IJ1'f rr>>ney )<<I1osl1~.r the 50 day> I .... can P""'" that we couid tIaYe ctoppe<l someo<>e from tak!ng .... rr>>ney ti)<<l Nd Iok1 "" n ~me, : ~ a good raa,s<<1 sud1 a.s, a long b"4l 0< a hospl(al stay kept)'O<llrorn lolling us', .... \O<lll ~ the \!me periods. " , 2. T.~phone Numw and Addt'e'C1 to Nottty of UMlJthorlzedTrat'Ulferw . AlAC. Cootact PSECU at (800) 237-7328 0< Monet 1= SeMoe (MAC) at (800) S23-417S ~ PSEClI non-busI-.ess hours, !hen ~ up by CO<rtacting PSEClIa! (800) 237-7328 !he next business day, . ACH .nd SST - Comact PSECU .1 (800) 237.7325 (natlonwlde) or '(TI7) ~ (In Hamsa,rg), Or wrtte to u. at: p",,~ta Stala ~ er.dIlU~ P,D. Be>: 67013 Hanlsburg, PI. 1710&-7013 PSECU e",l__ flo.ura 7:00 a.rn.. 5:00 p.m. M . F 5,-00 a.m, . Noon s.Ourda'f TDO.(8O(I) ~'190"7 tla~ (717) 777.2100 In Harrlst<J,. 3. AMn.c:t.4/In.s"ttLttf()(l'. BlJ'Srl'l-eu 01"'1_ &lAC, .<,CH aM SST . PSECU', 8us1fle$S Days .... "'=Cay"''='' Fr'<lay. Hclii<rf$ not Induded, 4. Types or EJectronteTransi'era' Consumer J...I..4'/ Make we . Ba.!:ance h:;uir".e:s C>o1 c:/"".edCng, cavff'l1;S ~ PSL; ......r.rodra....-a.!s from ~saW>\1S; casI1 aCw",," . from PSl; c..p,s'ts to er.edcr.~'savl",": pu~ pooC:s an<:' ~rvioe-s at arry acce-pt!t;g retaJ e:st.ab/(s.....tr..erTl ACH. Pre.auttor.zed 6ebr.s a.nd aeo::"r.s to c:f';ec:l.Cng ard s.a-/.o.;s. SST. e..a!.aroe ~..es a......c ~ hC:s:orloes QO L' 5-"".a:e. ce~....fk:;a:e 8/'Id Ice.., ~~I"'$ from ~"".ue loat'lCC'"oer......,a,re Of.Jc.a.., ~ from :)'0<." PSt. lo L"f L........ or loen a=:;o.x:t; -...cra-o.a!s !rom IJ1'f <1'..... """"9' IRA ~or~e:s:. II ~l!r....." _'-'_lIIlI ~--<~r. 6. S<Jmmuy 01 Conaumot'a RIght to IloooI\"O ~ Of . AlAC - "'" an. 00l!tled ., AOlMl . prW.od ~ at EFr. - - "'" racoMI a JTl<:('(tfff _.tr.e<'t cl-oMog::: lime 0( eoch ecx:<lU'1I. any~ made <l<rl'1l1he monch, and 8l1y ~ of )We PSECU rf""I "'- d<rn; the InO<1lh. or~ . ACH and SST -You wtl l'OOIllve alTlOrl#lly - showing the ao::O<Jnt. any lratlsaellons mad< <l<rl'1l1he monch, and any P6<\a~ of)We PSECU may lrnp:>se dumg ltle mornh. ' or c!lalpe$ It)<<l have ananged 10 t\a.." a direet ~ ma<lo 10 )Wr ......"1 60 clays ""'" !he l3me p<l=<1 or 0>'1'~ )'0<1 can ~ "least """" 732510 Iir4 0<Jt wfle1toeror nolthe cl<:pos1t has been mad<!, US at (500) 237- 7. Stop ~t Rlghll . P~uthorlI~ lnIns1er> AlAC and SST. Nol appIleabl., .ACH. Rlghllo Stop PaytMnt and Proooduroa 10< dolng ao H '" n advance 10 malo! ragular ~ oul 0I)<M ~. )'au haw !old oI,1I>os& pa)1l'6nls. Her-a', how: Cd US at (50:1) 237.T.l2:e~~ any (717)~(HanIsl><.rg)O<"YoTtleusttPa~Slale~ ) C<' UrJor.. P.O, Be>: 67013, HanIsOu'll, PA 1710&-7013. n time lor US 10 '-'" C<-odlt: __ three bc.:sIneS$ day; 0< mono bei><'e .... _nt Is CdleduIed l"U<' made, It )'au eall. we may also require )'au 10 put)<M _ n ~ .;; :::. ."us\Olltlnl~~after)<<leall . Hcisoe ofl'aq1ng.l.mounta. ~ tt;ose r&QUat payments mzt '<Uy.. ~ _ pe<$OO)<ot.oo ~ >oilJ be made and how rr<J<:I1 ~ l'oiI1 be, You may c:h<xose nstaad 10 Qat lNs llOtioeo ody ..men the p&)Toeoll'o<O<Ad ditIer by mono 1l1an . oer1aln IOlllOunt !rom 1h& ~ payme<tl. C(..n." lhe an>o<.m >o<>uld laJ/ outside oer1aln Inils that)'Ou soL' UablUty for Follure fo Slop P.ym<t>t 01 ProoClthcrlud7nlflstero. H l'CU order '" ., stop one 01 tl>ese p&ymer1U tv..e bushess day> 0< more belc<a 1h& .trar>sler Is cd>eduled. and .... do no! do S<I, .... "" be labIe 1x)'Our Iossas 0<' damage<. tx1less "'" reques1 and do not reeoMl v.rfllen confitmaIlon of an oral clop payme<rt .,!tNn 14 clays and the t=sIer Ial:os place alter H days, or)'Ou lailto g;...e.... p<oper Instn>ctions lt1al >o<>uld enable us to place !he stop "",tile tra.n.sf~r. . e. Summa.ry or the AnancLtf' InsUu.rtlon's Failure to' Make or Stop CertaIn. Tl1Iooers AlAe-it PSECU tails 10 complete 'lrar.sadion on \!me o'n !heconeet amount.. when pn:ope<1y l'>sttu<;ted by l"Uo PSECU ..ru be Iable lor damages caused by' rorlaJ/ure IX1Iess; (1) lhere are1nsutt'ldent funds n",...a=unllo corll'Ietoltl8' , 1r.lnSf.r, (2) the funds n)'O<lr .o:o<.nt.... In:lOIledocf; (3) .... funds .... citIject . 10 Iel;al'poeess; (4) lhe lranSacdoo)'O<l requesl-.ld eoooeedlhe Mds n)'aur , ao::ounl plus IJ1'f .-..aJlabIe O'o'en:fralt p<Olecdo<1; (5) lhe Monet /v:1::e$$ Cenl.r. PLUS system 0( HONOR.IJ'M has k1sufflelenl eash 10 CO<Il'lets the transadlon: (6) )'O<J1' card has been reported Iosl or stolen and)'Xl .... uslng lhe nporle<l'ls eard; (7) PSECU.llaS 19a5On 10 be...... 1haIlhe _ n<plSled, U'W.Jlflorlzod; (8) lhe laDura Is due 10 an eq<Jpmed ~ 1l1at )'O<I1alOw' abO<Jt ..men )<l<J _ lhe transaction at the Money 1= Center. PLUS System or HONOR .<JM; (9) lhe laJIc.n .... eaUM4 by an act 01 God. 1<0, eo- o<he( """",,,opI.., or by &rrf c<her causa beyond COnlnll; (10) J )'0<1 ~ 10 ~ a _ tfW. al . Money ~ ~er. I'l.I.IS ~,_.. eo- HONOR m.t. or ~ Iermlnalltlat Is not a pert" L~ ~~ a!xMI; 0<", (11) lhe _ wcutd _the ...:urfty ~ crt .~ use 0I)<l<K Money ~ Can:!. . ACH U><! SST -It PSECU la.Is to e>:>mpefe I _ or. time or n lhe correct atl'lOU':t, -.t.en p<OPerly .k1stru::ted by l"U, PSECU ..ru be &able lor clem&~ causod by C<.~ fa!un!.....Iess: (1) the"'.... hsullio::lent Mlds n",... ~ ~e !he tnns'..r, (2J Ihe funds n )Q<.< 1<XOU'1l....IA'lC<llleeled; (3,---, !he .... C<.tljecllo leva! process; (4) the tra.-.sacdoo l"U ro<lue.st wcutd .......... fuOCs n)Q<.< aCCO<.T:t plus any avaIlable .....rdralt ~ (5) PSEClI ~~ ., belleYe tr.at lhe nnsaction requested Is ""~ (6) the beyQOd cac=d by L1 ad 01 Go:l. fire, 0<" et:Ier catastrophe, or by ano(het ~.....~ r tt>e ~ In any =, PSCCU v..., be ~ lor adual ~_",," PSEr:>>', ' ~ure to m.1ka the trar.s.a..ctioo ~ed from e. b<x".a tide emx ~.e ~re:sto..~wd1elTO('$. . $I. Ol.sdoc-ure to ThIrd' partf<ea CCOVrn \0 MAC, .ACH and SST. PSECU ",11 e""",,", r.Iormation ~,m'': ",rff'f tt>e trJrd par"""'" (1) ..nen r Is r.eo&ssarf 10 ~ lran$8=. olltlrd P''"'' ex!ste=> w ...aro"'l 01 y:<Jr aCCO<.'n! _ PSECU upor1 re<;".,sl co<Jfl o<tSer" $OCh as a c::-e-6t b:.:re.au: (3) to comply 'Ht:1 QQ'Wrr.me<'lt a~ncy Of rr.mer.t or (<) In oa:o<C<."",," _)OOr writ:"" permlssJor1;(5) 10 C'l<T'pIy~~ reoolp< cI ~ aQ"3r'1Cf5<.;rro/'TiOl"l.$eS, ~,cxcourtorJers, fc<r,i:<rr.e.~ ~tion k= a Fe&lral ~"<<'Cf 0<" ~ It"'" a --- iond (n _n ~ Is n ~ _Ihe ~ 10 Fr.at>:ial PtMsCy).d. 011975, Is r.eo&ssarf ., taJ<e """" ectlon lo """""r.,.,.,..,. . -----~- -11-- ...-"-' ~ ~ . .) ~ ..... """""" belanoo(S) 0()<<K CMddng l'O'J" R~r SNnlS, . ar4')'OUt P",...,..w Se<vIoo l.oaJ1 (PSL), . . b) W<hdnlw casI1 frO'l\ )<<K ChedCng and )<<K Regular Shares. cll.lal<e . casI1 '&dwt>OO ""'" )'O<J< Pe=nal So"^,,, loaIl (PSt.), d) Deposit C<JmlOC)', cI;odcs. or cl<alts ("'*" are no< ecoeptable) to< ~ to PSECU to< cleposllln )'001' c::t-..:ldng and )'OUt ~r $haros.. NOTE: There .re lrnIted Ioc:atlons In 1.Ia~ where doposIts may be mad<>, w. wlsI1lo Infonn )<XI lhal some MONEY ACCESS CEIITEA.s located In lhe$e '.....as may only ~ access to l"'"' O'>eddng,.)'OUr R~ Shares, and l"'"' Pe<sonal Se<\>b> Loan. Not a.l MONEY ACCESS CEIITEfI.s may acoopt ~, Thera may .lso be imits 001 the amount ~ Iuods _ )<XI may cleposit In c:ettaln MONEY ACCESS CENTERS, 11. PLUS SYSTEM' Sorvloes , /oUtC Only - You may US<! )'OUr MONEY ACCESS CARD \Olth )<XJr P,,~ JOe, affication Nl...liN>er (pIN) at any PlUS SYSTEM automa.!ed' 1~lJer machine (PLUS SYSTEM ArM) Ioc:atad ~ lhe Unlted Slat.., PuerlO Rloo, Canada. G_1l<1tU1 and Japan \0 coodUd any of !he IolI<ooo.1ng tronsactions 001 !he .coounts .~ by)'O<J< MONEY ACCSSS CARD, a) De<erm1ne ..... ao::oonl baIanoo(sl 0( l"'"' CMddng, )<XIr ~tat Shales, and )'O<Jf Personal Se<\>b> Loan (PSL). b) W<lhdraw cash from )"<Jl' 0>0ddng and l"'J" Regular $hares, c:l Mal<8 . casI1 advanoe from l"'J" Pe~ So""" Loan (PSq. NOTE: Dep:>sIts are no< ''''''!lIe t/voogl PLUS SYSTEM ATh<s. n.... are the MONEY ACCESS CCNfER ..~ currorllly ~ ~ !he PLUS SYSTEM r>e...ooc. O<tier seMoos may be otlered In lhe tutu<., 11. HONOR" S)"'l.m Soril= . #.lAC Only. You may US<! )'OUr MONEY ~ CARD wfth )'O<J< Per><=! Jdeotiticatlon Number (PIN) at any HONOR automated 18ller mact-Jne (HONOR ATM) Ioc:ated ~ FIo<1da and other areas ..nere therp are HONOR ,;n,ls. The IoIloYMg htlsac:tiorl$ may be clone 00 !he aCX>O<Jii.s acoessed by )<><X MONEY JoCCESS CARD. a) De!errntne 1he acc::ount balanoe(s) of )'OUr c:n.eocrng. )OUt' Regular Shares. and )<XIr Personal So""" Loan (PSL), b) W<lhdraw cash from )<XI' CtledOrog .nd l"'J" Regular Sl\.ares, c:) Mal<8 a cash advanoe from)<XIr Pe~ Se"^,,, Loan (PSL). NOTE: Dep<>s/lS are r>ol avaI1allle t/voogl HONOR SYSTEM 1Jl,!s, n.... are the MONEY NXf'.SS CEIITER..M:es curr.rrtJy.....,1abl. 1I1<ough the HONOR SYSTEM netvo<>rlc. Oft1er..rYlc:oes may, be offered In tIJ<l tutu<e. 13. Olt>e< ATIoI N.twoti< A~ .. IJAC Only. From lime 10 Umo. PSECU may maka arranoelMnls wfth o(her ATM ....~ to granl &ooO$S to MONEY NX:ESS CARDs. PSECU 1IIaIl1nlotm)'O'J _ w:h ~ are macle and deso1be ,.,. ..Mc:eo Ihat are.....1IabIe to)<XI, Nrt chaIl/e$ ~ also be _ 14. f'vr'cl>au Trancacllod by au:I1 IoIen;hant. 'The &mou1t of aJ au:I1. ~ ..m be dedo >de<! ""'" ~ Clle<k!ng, v.l>en )<XI lnaka . Pu-dlase l.'$lng It>e MONEY N::;CCSS CARD, )<XI ..m be reqoestlng PSECU 10 wfttodt2w "-"d$ from )OOf CMd<rog In 1M &rno<.nl oIlhe P\Jn:ha.se and directing PSECU 10 pay lheSe "-"d$ 10 w:h M.t<har1t. S,l.ImlUtlon-o on the Uu 01 )"Our MONEY ACCESS CARD f,U,C only. You may ~ up 10 $SOO per day from one or. comb<natJoo 01 )"<Jl' eo:ounts by l.'$lng . MONEY IoCCESS CARD proooided It>e "-"d$ are ..nJlabl. at. MONEY ACCSSS cerreR. PLUS SYSTEM or HONOR Sy$tom ATM, In addition. )<XI r=j'~ up to $SOO at point of W. ~ PSECU ............ the ~ 10 redooe IhIs ~ imIl at any llme, In \he .....,.. II\at )<XIr ~ ImIlIs less than $SOO, PSECU wtl a<MS< )<XI of the now IitMalion. The day to< wlthdrawal irrits Clatts.t 12 mid~ ea<:l1 day and eo:!s at 12 ~ht..... ~ day. Fo< COQJrity purposes, lI>ere are also c:ertalr1 <laiy 5mi'.atio<>s 001 the freq\.'OOC)' 01 ..... oIlhe MONEY ~ CARD. HoweYer, tt;es,a Emitatk>ns are not re-.-e..ared b'Securlrl reasons. The ~ State ~ c<ed'rt Unloo Is no< ~ 10 maJnta1n w:h limllations. YOrJed US<! ol)<XIr MONEY ACCESS CAF!O.~ )"OU exc.>OO the _I ~rawaVpvo:nas. im1t, ff )<XI do not hav9 adequa'. lunds avaJlablo In )"0<.< a.:;x::c...'r":t.. do not enter U'"'.e co<Ted P9~f kSeoCflC8t1on Nurr.l:>e( (PIN). Of ~ the freq\.'OOC)' 01 usa~ limllatioo. The receipt pr.,.,;ooo by It>e MONEY ACCSSS CENTER. .PLUS SYSTEM. 0<' HONOR System nM, or Moid".ar.t ~.aI "-:11 oct~ )'OY oi C;e 0eNa!. Thel-e 1$ a ~ 00 1toe o..~ at c:.d1 0.0;.... pecmltted. Acempts to e=><ld .... imIt w!ll res<JI: In 1M",*," retentk<1 01 Fl.rrflll ;;;; ;.~J;;;';~m;;;~;-~l~~~~ more ~ aboul. tran<adSon isle<l on the _ or ' )Iou Ilo>e<:I ""'" t>o4r frt<n)'O'J no let<< Ihan liO days allerl cenll"'U!he ~'-~ >otlIdl \he prolllem or ""'" appeared. 'tI>J roosl pnMOe the ~~=--""'" on (a)YW'name. &IXOUIl~, and MONEY ~ cAAO-~~(lf tlon: _), c< rele"""" rorber (If SolI-Se<W:e T.IepI.... T........._...w:: Oesat>e Ihe ,nor or lhe _ )'O'J are ..,..,... ~ ----to (b) clearly as)<lU can ..ny)<XJ bellew lis an .""" or.my)i>u M'>d ~ ~ as and; (e) The dollat amount of the suspected ."",. . """""llon. ~~~=~~E~~~~~~~ wflllin 10 ~ days 10< MONEY ACCESS CENTER. PLUS ~. HONOR SYSTEM, SELF-SERVICE iElEPHONE, or OlRECT OEBrr~~~ TRANSACTIONS, or 20 days 10< MONEY ACCeSS CENTER ~ 1ransactions. ff we need ""'" time, howe-ooer. w. may taka up 10 .(S ...._ MONEY ACCESS CEIITER. PLUS SYSTEM. HONOR SYSTEM. -" to< SERVICE TELEPHONE, or DIRECT DEBrrlCREDrr TfIANSAcnoNs s~ days b' MONEY ACCESS CEmER p<JlttIa$4 --"'11 PSECU ~ 10 do lt1Is, t Id recre<l'~ ~ &oXU1l wlINn 10 buslr>e$S days to< the &moc:.t)"OU lhlnl< Is k1 onor I tis. MONEY ~ CE/olTE'l, PUlS SYSTEM. HONofl . SYSTEM, SELF-SERVICE TElEPHONE, or OlRECT oearrlCReofr ~ 0<'20 bushess days I t Is a MONEY ~ CEmHl ~ lrat>sac!l<:<1. 'fu! Wl1 hove \he use of lhe money du<1ng ..... 1lme k takes 10 ~l' the ~ K PSECU does no< reoelw your COfl'9Iaht or questioo k1 ...mir>g wilt1in 10 buslness days, PSECU may no<,recre6t)OU< ao:ounl ff PSECU _ thero Is no error, )'OU wllI be a<Msed v.lthin Ilvae Ix:slness cla)o> Iller the Inwstigallon Is ~led. You may aslc to< ~ 01 the . do:uments ps€ClJ used In the Jrr..es!lgatlon. I PSECU ~ )"O<JJ' &o:ount ..n.1e ~ar.g. )"O<l mo.:s-t repay 1hose M-.ds I PSECU coocIudes no Om><" . /Ias oc<:mad. Notfoe To Con.sUrMra Ustng ATM's ". Be alert 10 )"OV1' .v~ K)<XI doobt the sar.ty of a partlo.ilar IocatJoo,' cnoo.e anoct.er JJM. . . tt f:tloe ATM haS an entry door, do$.e the door prior to IrJUating )'04Jr b"ar1$action; Put )"OUr caSh a'Hay ~103!ety. Direct eomptaints concerning ATM seo.zrtty to an approprtate dep.a.rtment.ot \he """"r ot the ATM. New Jeroey ruldants:)"Ou may cd !he New JeI$O)' Depart"..",t of Banl:Ing at (609) 292.7Z72. For those members who purchase a vehlple ul\der~e DfllV Program. please revIew the followIng FTC .Notlce: .' NonCE ANY HOLDER OFTHIS CONSUMER CREDIT CONTRACT IS SUBJECT TO All CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST.THE'SELLER OF GOODS. OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. 'RECOVERY HEREUNDER BYTHE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BYTHE DEBTOR HEREUNDER. - - ~ . IS &CJ "".~ ~ _ell ~,~ ~ .!:! 8. 'Ii ,g..c. eo::>~ E'~:l ~ ., ~ el"Q ::i f ()~~ s i ~:s., ~ 0 .c:: c CJ :: U ~8.: ! c5 ii::; 'fi .. t:i W8o. C..,_ '" c 0 ;: c ~ o~~ Wee O"S2C :z~.o ~"'~ "- 0." .... o. .... ~ .... .., . ~ .. , 0 ; ~ < 0 , 1< ) ~ > 'E '5 .. '"' .. 0. eo '" "" eo ., .. .5! 0. -eo c E- :;=~ ;E~..:! !i.!~~ is .:I't; ...10..."1;:1 C) ~~ C .t::.. c- Oij";.!! .:o~c iO_l-~ C -51)';- Cl B :I Ct C CI !i ~ >o:c-:;= E;! -~E~ ~~ ~~el~ ,;c~"t;)cr<<l." '-g . _ Cl Cl:,:= f:!: S _ :JC::_ i5 c (,) ~ ~"8 f!:;.!! a:: _ ~~c:<cc !!,!.o .. ~ ~ ..,,1> ~ ;:; ~ ~!i<~3!" z.oo.!8cC. C3 : c: ~- c ~~ ...J "'" >l ~:!l e- !; i i'~", ~~i I~~ I-C>~c'" !'O...1? Jl8=c; "C >0" "is..., E ~~ S; ~iili J ~ iec:~.~i~i - > .&: fle.&: ~ i c'~.E .5! 8.o.~ ~~.!! 1? .&> l;'S c c_" ~ E-~.!lijiif; c:c.oeCet.!!$ ~"Oc1~11.Ec !? ~ ~ _ 0 :0 ~ e O-ClCle- ~ ~ ~-:sef1 8-" dih-;; .E c 81:=1: E~ -E~ ti~i!:i.s II:! ",..l: C li c. ~ Q.C:~-~c. 'g- .",~ ~'" CJ ~ Ctl;;;c~~C>- "CJc:;O"__ f "0 :i-Cl. . E c~-c~>-"E ~ ~ ~g~iH .. c c".&J 'J' "'0'; ~~.;~8.~~ ~Of2~~fc.~ 0. ~.s! s.1:.;- - ..l: 11:I E't: - t .,oc.~..~ 11 t: 1=;'OE-llE o 'C .. 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'C E ::; C ~'[.I!~1't & f ~"04II~ ~ ~ en1i~ e1l ~ ., d~~ ~ .e~ :l .. .. ~~tiJj.E .!! ~~.!!.8 u u c.. ~~ --. ~ ; ~\..)'i ~ 0:) ~ J ~\~~ "",,!' 'fJ "" ~l Ei ~I. >:/ -. :?'",- C;)" ..,... C;:I~_ ~...- ~:r;.-' :J5.c -;;; ""- -., ::::> -( ~-~ :0 ~. " .. ;\,,) SHERIFF'S RETURN - NOT FOUND CASE NO: 2003-03716 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND PENNSYLVANIA STATE EMPLOYEES VS RINER CHARLIE E R, Thomas Kline ,Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT RINER CHARLES E but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT & NOTICE , NOT FOUND , as to the within named DEFENDANT , RINER CHARLES E 652 N COLLEGE STREET CARLISLE, PA 17013 PER POST OFFICE,DEFENDANT IS NOT KNOWN AT GIVEN ADDRESS. Sheriff's Costs: Docketing Service Not Found Surcharge 18.00 3.45 5.00 10.00 .00 36,45 So answ~... _~_:-;._/ -~~~ R. Thomas Kline Sheriff of Cumberland County GODFREY & COURTNEY 08/14/2003 Sworn and subscribed to before me this :l '1 e' day Of~,u.J-' :lUV3 A.D. C J..., Q pr~~ary ~ ,~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA ST ATE EMPLOYEES CREDIT UNION Plaintiff NO. 03-37Hi vs. CHARLIE E. RINER, Defendant CIVIL ACTION - LAW PRAECIPE TO REINSTATE TO THE PROTHONOTARY: I Please reinstate the Complaint with regard to Defendant in the abov -captioned matter, By: Stev ' Courtney, Esquire GODFREY & COURTNEY, P,C, P,O, Box 6280 Harrisburg, PA 17112 717-540-3900 LD. #74669 Attorney for Plaintiff (') c <:~ -01,:]; n"1r,r' 2_", ZCj Cl)-,_~ -<; ., ~l-::} :>0' L": ::<> o w a n --I I ~ -0 ::1;: o -1"1 ."1 -T- iffl --'"rrTl .;;0 ".?t-S ."' ~1--, o::-n ;~~ ;:'-1 'L'":>o ::0 -<; ~ .-J SHERIFF'S RETURN - OUT OF COUNTY CASE NO: 2003-03716 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PENNSYLVANIA STATE EMPLOYEES VS RINER CHARLIE E R. Thomas Kline , Sheriff or Deputy Sheriff who being duly sworn according to law, says, that he made a diligent search and and inquiry for the within named DEFENDANT , to wit: RINER CHARLES E but was unable to locate Him in his bailiwick. He therefore deputized the sheriff of DAUPHIN County, pennsylvania, to serve the within COMPLAINT & NOTICE On October 27th , 2003 , this office was in receipt of the attached return from DAUPHIN Sheriff's Costs: Docketing Out of County Surcharge Dep Dauphin Co 18.00 9,00 10.00 30.50 .00 67,50 10/27/2003 GODFREY & COURTNEY ~so answers: /".,;:>/ ,.--:::------ . ---- R. Thomas Kline Sheriff of Cumberland County Sworn and subscribed to before me nP :J ~, day of ~ this .211J.3 Yr. A,D. D "nud{,~. itk. Prothonotary J In The Court of Common Pleas of Cu.mberland County, Pennsylvania Pennsylvania State Employees Credit Union VS, Charlie E. Riner SERVE: same No. 03-3716 civil Now, October 9. 2003 , I, SHERIFF OF CUMBERLAND COUNTY, P A, do hereby deputize the Sheriff of Dauphin County to execute this Writ, this deputation being made at the request and risk of the Plaintiff. .,...,/ ::.9. ~~~ Sheriff of Curnberland County, PA Affidavit of Service Now, ,20_, at 0' clock M, served the within upon at by handing to a copy of the original and made known to the contents thereof, So answers, Sheriff of County, PA Sworn and subscribed before me this _ day of ,20_ COSTS SERVICE MILEAGE AFFIDAVIT $ $ @iiitt of tltt~ ~4eriff William T, Tully Solicitor J, Daniel Basile Chief Deputy Mary Jane Snyder Real Estate Deputy Michael W, Rinehart Assistant Chief Deputy Dauphin County Harrisburg, Pennsylvania 1710t ph: (717) 255-2660 fax: (717) 255-2889 Jack Lotwick Sheriff Commonwealth of Pennsylvania PENNSYLVANIA STATE EMPLOYEES CREDIT County of Dauphin vs RINER CHARLIE E Sheriff's Return No. 2730-T - -2003 OTHER COUNTY NO. 03 3716 AND NOW:October 15, 2003 at 3:40PM served the within NOTICE & COMPLAINT, REINSTATED upon RINER CHARLIE E C/O MATT & JENNIFER RINER to MATT RINER (BROTHER) by personally handing 1 true attested copy(ies) of the original NOTICE & COMPLAINT, REINSTATED and making known to him/her the contents thereof at 7194 CATHERINE DRIVE HARRISBURG, PA 17112-0000 /' " J' \ si~~n ~nd subsc~ib~d to bef&~0ItJlHU6~~yt Of~003 So Answers, JR~ Sheriff 0 Dauphin C~ty, Pa. PROTHONOTARY By Deputy Sheriff Sheriff's Costs: $29.25 PD 10/15/2003 RCPT NO 183819 GM Vi'iV'l \"11] j , . ~ ,\ ,. . I. _ ( ;', <, ! ~D. Hd ~I ZI IlLJU .I.l~ :" " 'J "JllI::'iS'"" , i:';UJ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION Plaintiff NO. 03-3716 vs. CHARLIE E. RINER, Defendant CIVIL ACTION - LAW PRAECIPE FOR JUDGMENT Enter Judgment in favor of Plaintiff and against Defendant, Charlie E, Riner, for want of ANSWER TO COMPLAINT, (X) Assess damages as follows: Debt __n___________________________________oo____._____oo___oo00.____$ 13,629.31 Attorney's Commission------------m-m---------moomm.-- $ 2,725,86 Interest----------n---m-------------------------------_____m_____ $ to be determined Filing costs-----m--mm----------------------n---------moo--- $ to be determined TOT AL_______n____________m______m______________m.oom_____ $ 16.355.11 plus costs It is also entered that Possession ofthe 1995 Nissan Maxima bearing Vehicle Identification Number INICA2ID7ST056352 is awarded to Plaintiff, (X) I certify that the foregoing assessment of damages is for specified amounts alleged to be due in the cornplaint and is calculable as a sum certain from the complaint. (X) Pursuant to Pa,R,C,P. 237 (Notice of Praecipe for final judgment or decree), I certify that a copy of this praecipe has been mailed to each other party who has appeared in the action or to his/her Attorney of Record, (X) Pursuant to Pa,R.C,P. 237,1, I certify that written notice of the intention to file this praecipe was mailed or delivered to the party against whom judgment is to be entered and to his/her Attorney of Record, if any, after the default occurred and at least ten days prior to the date of the filingO)thi( praecipe and a copy of the ~~ at~:~~ed. DATE 111 H uj1 Signature: --/.-~ St~.c~, Esquire Attorney for Plaintiff P,O, Box 6280, Harrisburg, PA 17112 (717) 540-3900 lD#: 74669 , 2003, JUDG~NT IS E~TE~Dt.AS ~)vE. ('./(4/~ ) l<.~,,:",~ Prothonotary/Clerk, Civil Dlvis9-- ~ NOW, /O("\cJ. 17 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION Plaintiff NO. 03-3716 vs. CHARLIE E. RINER, Defendant CIVIL ACTION - LAW TO: Charlie E. Riner 7194 Catherine Drive Harrisburg, PA 17112 DATE OF NOTICE: November 6,2003 IMPORT ANT NOTICE YOU ARE IN DEF AUL T BECAUSE YOU FAILED TO TAKE THE ACTION REQUIRED OF YOU IN THIS CASE, UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A mDGMENT MA Y BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE, IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP: Cumberland County Bar Assoc, 2 Liberty Avenue Carlisle, P A 17013 717,249,3166 ". By: Stey.etH, ourtney;~ire GOb Y & COURTNEY P,O, Box 6280 Harrisburg, Pennsylvania 17110 Telephone: 717,540,3900 J.D, # 74669 Attorney for Plaintiff OFFICE OF THE PROTHONOTARY OF CUMBERLAND COUNTY Curt Long Prothonotary Telephone: (717) 240-6100 Cumberland County Courthouse 1 Courthouse Square Carlisle, P A 17013 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff: PENNSYLVANIA STATE EMPLOYEES CREDIT UNION versus Defendant: Charlie E. Riner Judgment No. 2003-03716 CERTIFICATE OF RESIDENCE PA. R. C. P.236 I, hereby certify that the precise residence of Plaintiff is: Pennsylvania State Employees Credit Union 1 Credit Union Place Harrisburg, P A 171 10 and certify that the last known address of the within defendant is: Charlie E, Riner 7194 Catherine Drive Harrisburg, PA 17112 Steven C, C ey, Esquire GODFREY & COURTNEY P.O, BOX 6280 Harrisburg, P A 17112 717.540.3900 Attorney for the Plaintiff Attorney ID# 74669 ii1i~ - I) ~ ~ w 0 ~ ~ -V ~ ~ ~ (l Rr ------c r ~ t ~ {;, ?(. ~> -::,::t ~<' ...:' ~"":: ..... " (:J r:1.P~ \L ~ ~ \Y - ~~:tJ ~~p:. oo-:t- IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PENNSYL VANIA STATE EMPLOYEES CREDIT UNION Plaintiff NO. 03-3716 cJ vs. CHARLIE E. RINER, Defendant CIVIL ACTION - LAW TO: Charlie E, Riner, Defendant You are hereby notified that on "/n /6J. ,the following (Gffief) (Degree) (Judgment) has been entered against you in the above captioned case for your failure to file an answer to the ::;=' i:/77't~mo"o' "'$16,355.17 PI"'C jLm~i' ~ '/ I Prothonotary I hereby certify that the name and address of the proper person(s) to receive this notice is: Charlie E. Riner 7194 Catherine Drive Harrisburg, PA 17112 To Charlie E, Riner, Defendido/a (Defendidos/as) Por este medio se Ie esta notificando que El de Del , El/la siguiente (Gffieft) (Deerete) (Fallo) ha sido anotado en contra suya en el caso mencionado en el epigrafe. FECHA: Prothonotario Certifico que la siguiente direccion es la del defendido/a segun indicada en el certificado de residencia: Charlie E, Riner 7194 Catherine Drive Harrisburg, PA 17112 PENNSYLVANIA STATE EMPLOYEES : IN THE COURT OF COMMON PLEAS CREDIT UNION, : CurrQ.J\hild COUNTY, PA Plaintiff VS. NO. O~- Qlllo ~\\e.. t:..~~'\) Defendant CIVIL ACTION -LAW PRAECIPE TO WITHDRAW/ENTER APPEARANCE TO THE PROTHONOTARY: Please withdraw Steven C. Courtney, Esquire of the Law Offices of Steven C. Courtney, P.c. as counsel of record for Plaintiff in the above-referenced matter. Please enter the appearance of Melissa L. Van Eck, Esquire of Van Eck & Van Eck, p,c. as counsel of record for the Plaintiff in the above-referenced matter. Respectfully submitted, ...--.--.- By: By: Steven C, Attome #74669 / P,O. Box 6i80'~~-' Harrisburg, PA 17112 717-540-3900 VLvAJia 'cI ~ ,?ci Melissa L. Van Eck, Esquire Attorney ID #85869 P.O, Box 6662 Harrisburg, PA 17112 717-540-5406 Attorney for Plaintiff Date: Document #: 218597.1 r---' - L.