HomeMy WebLinkAbout07-3810IN THE COURT OF ~OMMON PLEAS
CUMBERLAND COUN Y, PENNSYLVANIA
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
vs.
CLYDE D. MILLER
Defendant
NO. ~''j -.3Pl~
CIVIL ACTION -LAW
NOTICE TO I DEFEND
Pursuant to PA RCP No. 1018.1
c~~~~ ~..
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 the Complaint and notice are
served, by entering a written appearance personally or by attorney and filing in writing with the
court your defenses or objections to the claims sett forth against you. You are warned that if you
fail to do so the case may proceed without you anti a judgment may be entered 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 relief requested by the Plaintiff. You may lose money or property or other rights
important to you.
YOU SHOULD TAKE THIS PAPER Td YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER, GO TO OR TELEP~IONE THE OFFICE SET FORTH BELOW.
THIS OFFICE CAN PROVIDE YOU WITH INFgRMATION ABOUT HIRING A LAWYER.
IF YOU CAN NOT AFFORD TO HIRE ~ LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County''Lawyer Referral Service
32 South Bedford Street
Carlisle, PA 17013
(800) J99-9108
Document #: 180057.1
EN LA CORTE DE ALEGATOS COM UN DEL CONDADO DE
CUMBERLAND, PENNSYLVANIA
PENNSYLVANIA STATE EMPLOYEES NO.
CREDIT UNION, .
Plaintiff
vs.
CLYDE D. MILLER ;
Defendant CIVIL ACTION -LAW
AV I S O PARAF DEFENDER
Conforme a PA Num. 1018.1
LISTED HA SIDO DEMANDO/A EN LA CORTE. Si usted desea defender
conta la demands puestas en las siguientes paginas, usted tienen que tomaz accion dentro
veinte (20) digs despues que esta Demands y Aviso es servido, con entrando por escrito
una apazencia personalmente o por un abogadb y azchivando por escrito con la Corte sus
defenses o objeciones a las demandas puestas en contra usted. Usted es advertido que si
falls de hacerlo el caso puede proceder sin fisted y un jazgamiento puede ser entrado
contra usted por la Corte sin mss aviso por cualquier dinero reclamado en la Demands o
por cualquier otro reclamo o alivio solicitado por Demandante. Ustedpuede perder dinero
o propiedad o otros derechos importante pars usted.
LISTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSEGUIDA. SI
LISTED NO TIENE UN ABOGADO, VAYA O LLAME POR TELEFONO LA
OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON
INFORMACION DE COMO CONSEGUIR UN ABOGADO.
SI LISTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA
PUEDE PROVEERE INFORMACION ACERCA AGENCIAS QUE PUEDAN
OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO
REDUCIDO O GRATIS.
Cumberland County Lawyer Referral Service
32 South Bedford Street
Cazlisl~, PA 17013
(800)999-9108
Document #: 180057.1
IN THE COURT OF OMMON PLEAS
CUMBERLAND COUN Y, PENNSYLVANIA
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
vs.
CLYDE D. MILLER
Defendant
NO. C~"1 - ~$/D
CIVIL ACTION -LAW
COMPLAINT
(.: i,t~ ~ 1.~~
AND NOW, comes Plaintiff, Pennsylvania State Employees Credit Union, by and
through its attorneys, Melissa L. Van Eck, Esquire 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
qualified to conduct business in the Commonwealth of Pennsylvania with offices and/or a place
of business situate at 1 Credit Union Place, Harrisburg, Dauphin County, Pennsylvania.
2. Defendant, Clyde D. Miller, is an adult individual with a last known address of
529 Bedford Court, Mechanicsburg, PA 17050-4$19.
3. Defendant is, and at all relevant time material hereto has been, the primary loan
applicant.
C UNTI
VISA LOAN BRE~CH OF CONTRACT
4. Paragraphs 1 through 3 are hereby ilncorporated as if more fully set forth.
5. Defendant applied to Plaintiff fora ISA loan. A true and correct copy of said
application is attached hereto, incorporated herein d marked as Exhibit "A".
6. The application submitted by Defe dant was approved by Plaintiff.
Document #: 180057.1
7. Pursuant to the loan application ~r}arked as Exhibit "A", Defendant agreed to the
terms and conditions of the extension of credit a~ set forth in the Loanliner Credit and Security
Agreement (hereinafter referred to as "Contract"). A true and correct copy of the Loanliner
Credit and Security Agreement is attached hereto, incorporated herein and marked as Exhibit
«B»
8. Defendant has accepted the monie$ borrowed from Plaintiff pursuant to the terms
and conditions of the Contract marked as Exhibit y`B".
9. Various charges and payments were made by Defendant on the account.
10. Defendant has defaulted on the ',loan by failing to make timely and regular
payments.
11. The last payment made by Defendalnt was on February 21, 2006.
12. Defendant is required under the corntract to make regular and timely payments.
13. Plaintiff has maintained a statement of account keeping an accurate and running
amount of debits and credits made on Defendant's' account.
14. Plaintiff has submitted to Defendant a copy of the statement of account accurately
showing all debits and credits for transactions with Defendant.
15. Defendant has not objected to any of the monthly statements of account submitted
by Plaintiff to Defendant.
16. Despite Plaintiffls reasonable and repeated demands for payment, Defendant has
failed, refused and continue to refuse to pay all suds due and owing on Defendant's loan account
balance, all to the damage of Plaintiff.
17. As of June 20, 2007, the balance due, owing and unpaid on Defendant's loan
account with Plaintiff is the sum of Five Hundred wenty-Fourpollars and 10/100 ($524.10).
Document #: 180057.1
18. 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 on
the principal loan balance.
19. Pursuant to the terms and conditions of the extension of credit as set forth in
Exhibit "B", Defendant agreed to pay reasonable attorney's fees and all court and collection
costs.
20. Plaintiff has retained the services pf Melissa L. Van Eck, Esquire of Van Eck &
Van Eck, in the collection of the amounts due and' owing by Defendant.
21. As of the filing of this Complaint, Plaintiff has incurred reasonable attorney's fees
from said law office incident to the within action, and Plaintiff shall continue to incur such
attorney's fees throughout the conclusion of the proceedings.
22. The amount of attorney's fees incurred in this matter is the sum of One Hundred
Four Dollars and 82/100 ($104.82).
23. Any and all conditions precedent to the bringing of this action has been performed
by Plaintiff.
24. 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,
Clyde D. Miller, in the amount of Five Hundred T enty-Four Dollars and 10/100 ($524.10), plus
interest, reasonable attorney's fees in the amo t of One Hundred Four Dollars and 82/100
($104.82), the costs of this action, and such other lief as the Court deems just and proper.
Document #: 180057.1
C UNT II
AUTO LOAN BRACH OF CONTRACT
25. Paragraphs 1 through 24 are hereby incorporated as if more fully set forth.
26. Defendant applied to Plaintiff for' a loan for the purpose of purchasing a motor
vehicle.
27. The loan application submitted by Defendant was approved by Plaintiff and
Defendant signed a Loanliner Advance Proceeds' Check for the purchase of the vehicle. A true
and correct copy of said Loanliner Advance Proceeds Check is attached hereto, incorporated
herein and marked as Exhibit "C".
28. Pursuant to the Loanliner Advance Proceeds Check marked as Exhibit "C",
Defendant agreed to the terms and conditions of the extension of credit as set forth in the
Loanliner Credit and Security Agreement (hereinafter referred to as "Contract"). A true and
correct copy of the Loanliner Credit and Securitty Agreement is attached hereto, incorporated
herein and marked as Exhibit "D".
29. Defendant has accepted the monie$ borrowed from Plaintiff pursuant to the terms
and conditions of the Contract marked as Exhibit ``D".
30. Various charges and payments were made by Defendant on the account
31. Defendant's last payment on this account was made on February 21, 2006.
32. Plaintiff attempted to repossess the vehicle but the vehicle was sold to a private
p~Y•
33. Plaintiff has maintained a stateme ' t of account keeping an accurate and running
amount of debits and credits made on Defendant's account.
Document #: 180057.1
34. Plaintiff has submitted to Defendapt a copy of the statement of account accurately
showing all debits and credits for transactions with Defendant.
35. Defendant has not objected to any of the monthly statements of account submitted
by Plaintiff to Defendant.
36. Despite Plaintiff's reasonable and''repeated demands for payment, Defendant has
failed, refused and continue to refuse to pay all swims due and owing on Defendant's loan account
balance, all to the damage of Plaintiff.
37. As of June 20, 2007, the balance due, owing and unpaid on Defendant's loan
account with Plaintiff is the sum of Two Thousand Five Hundred Twenty Dollars and 77/100
($1,520.77).
38. 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 on
the principal loan balance.
39. Pursuant to the terms and conditions of the extension of credit as set forth in
Exhibit "B", Defendant agreed to pay reasonable attorney's fees and all court and collection
costs.
40. Plaintiff has retained the services pf Melissa L. Van Eck, Esquire of Van Eck &
Van Eck, in the collection of the amounts due and''owing by Defendant.
41. As of the filing of this Complaint, Plaintiff has incurred reasonable attorney's fees
from said law office incident to the within action, and Plaintiff shall continue to incur such
attorney's fees throughout the conclusion of the p ceedings.
42. The amount of attorney's fees inc ed in this matter is the sum of Five Hundred
Four Dollars and 15/100 ($504.15).
Document #: 180057.1
43. Any and all conditions precedent tp the bringing of this action has been performed
by Plaintiff:
44. 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 judgmerXt in favor of Plaintiff and against Defendant,
Clyde D. Miller, in the amount of Two Thousand Five Hundred Twenty Dollars and 77/100
($2,520.77), plus interest, reasonable attorney's fees in the amount of Five Hundred Four Dollars
and 15/100 ($504.15), the costs of this action, and such other relief as the Court deems just and
proper.
COIUNT III
SIGNATURE LOAN REACH OF CONTRACT
45. Paragraphs 1-44 are hereby incorporated as if more fully set forth.
46. Defendant applied to Plaintiff for a signature loan. A true and correct copy of
said application is attached hereto, incorporated herein and marked as Exhibit "E".
47. The application submitted by Defendant was approved by Plaintiff.
48. Pursuant to the loan application marked as Exhibit "E", Defendant agreed to the
terms and conditions of the extension of credit a~ 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
«F,~
Document #: 180057.1
49. Defendant has accepted the monie~ borrowed from Plaintiff pursuant to the terms
and conditions of the Contract marked as Exhibit ``F".
50. Various charges and payments were made by Defendant on the account.
51. Defendant has defaulted on the ',loan by failing to make timely and regular
payments.
52. The last payment made by Defend~nt was on October 14, 2005.
53. Defendant is required under the contract to make regular and timely payments.
54. Plaintiff has maintained a statement of account keeping an accurate and running
amount of debits and credits made on Defendant's account.
55. Plaintiff has submitted to Defendant a copy of the statement of account accurately
showing all debits and credits for transactions with Defendant.
56. Defendant has not objected to any bf the monthly statements of account submitted
by Plaintiff to Defendant.
57. Despite Plaintiff s reasonable and repeated demands for payment, Defendant has
failed, refused and continue to refuse to pay all suns due and owing on Defendant's loan account
balance, all to the damage of Plaintiff.
58. As of June 20, 2007, the balance', due, owing and unpaid on Defendant's loan
account with Plaintiff is the sum of Four Thou$and Seven Hundred Ninety-One Dollars and
41/100 ($4,791.41). ~,
59. Pursuant to the terms and
Contract, Plaintiff is entitled to receive anc
the principal loan balance.
~f the extension of credit contained in the
agreed to pay an annual interest charge on
Do~~nr #: ~soos~.~
60. Pursuant to the terms and conditions of the extension of credit as set forth in
Exhibit "F", Defendant agreed to pay reasonable attorney's fees and all court and collection
costs.
61. Plaintiff has retained the services 'of Melissa L. Van Eck, Esquire of Van Eck &
Van Eck, in the collection of the amounts due and owing by Defendant.
62. As of the filing of this Complaint, ,Plaintiff has incurred reasonable attorney's fees
from said law office incident to the within action, and Plaintiff shall continue to incur such
attorney's fees throughout the conclusion of the proceedings.
63. The amount of attorney's fees incuirred in this matter is the sum of Nine Hundred
Eighty-Three Dollars and 28/100 ($983.28).
64. Any and all conditions precedent td the bringing of this action has been performed
by Plaintiff.
65. The amount in controversy is within the jurisdictional amount requiring
compulsory arbitration.
Document #: 180057.1
WHEREFORE, Plaintiff, Pennsylvanian State Employees Credit Union, respectfully
requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant,
Clyde D. Miller, in the amount of Four Thousand Seven Hundred Ninety-One Dollars and
41/100 ($4,791.41), plus interest, reasonable attorney's fees in the amount of Nine Hundred
Eighty-Three Dollars and 28/100 ($983.28), the posts of this action, and such other relief as the
Court deems just and proper.
Respectfully submitted,
VAN ECK & VAN ECK, P.C.
sy:
Melissa .Van Eck, Esquire
Attorney LD. No. 85869
P.O. fox 6662
Harrusburg, PA 17112
717.540.5406
Document #: 180057.1
VERIFIC'~ATION
I, Harry L. Smith, Manager of the Pennsylvania State Employees Credit Union verify that
the statements made in the aforegoing document ire true and correct. I understand that false
statements herein are made subject to the penalties of 18 Pa.C.S. §4904, relating to unsworn
falsification to authorities.
Pennsylvania State Employees Credit Union
Title: ~O ~~~C~;o,~s /~Cr~'-C~~
Date: ~e~2j~(~~
Document #: 180057.1
II
illl
,III
EXHIBI'~ "A"
Loan Information
Approval Amount: $500.00
Applicant: CLYDE D MILLER
NOTICE
Jamtary 7, 2004 ~
Account # : 820251902'4
Home Telephone # : (717) 241-6003
~~
Ref # : 362004 300
SS # : 165-66-8792 gA~ ~' ~~ ~ '
Work Telephone # : (717) 245-2314
I acknowledge receipt of the PSECU LOANI~,INER Disclosure and Credit Agreement and agree to be bound
by the to set forth in said agreement. ', ,
Signature CLYDE D MTLLER Date .
.t,.. ~
ii
• I would like an immediate VISA advance of $ . Purpos~:
Send a ^ check, or ^ deposit to my Share 4
• You must select your VISA loan transaction repayment option. III
Transfer on Pay Day (select one):
[j minitninn amount ^ alternate payment amount of ~
^ Transfer automatically on the 25th of each month (select one):', '
^ minimum amount ^ alternate payment amount of ~ ^ previous month's balance
IZ~ Mail a payment monthly by the 25th.
• You may have one additional card issued on your VISA account. Indicate your choice below:
[~ Plcase issue an additional card in the name below. I authorize himlher to use ' and I accept full responsbility for alt charges and/or cash advances just ss ,.
though I made them. Authorized cord holders may not order replacement card or obtain VISA account information (i.e. detailed transactions, balance
information, payment activity). CLYDE D MILLER must sign below.
Cam' i
Name of Authorized Card Holder Signature of CLYDE D MILLER ,.
;'
SCANNED I
«B»
Pennsylva~.~a State E,
P.O. Box 87013 • Harrisburg, PA 17106-7013 •
the financial IinkTM Loan D%
This LOANLINERa Credit and Security Agreement, which includes the Truth in
Lending Disclosures, will be referred to as the Plan. The Plan documents include
this Agreement and an Addendum. You, your and borrower mean any person who
signs the Plan. Credit Union, we, our and us mean PSECU or anyone to whom the
Credit Union transfers its rights under the Plan.
1. HOW THIS PLAN WORKS -This is an open-end, multi-featured credit plan. We
anticipate that, from time to time, you will borrow money (called "advances") under
the Plan. We are not required to make advances to you under the Plan and can
refuse a request for an advance at any time. The Addendum describes the
different types of credit (called "subaccounts") available under the Plan, the current
interest rate for each subaccount expressed as a daily periodic rate and
corresponding annual percentage rate and other charges. It may also have other
terms and a schedule for determining the payment amounts.
2. CREDIT LIMIT - We may, but do not have to, establish a credit limit on certain
subaccounts. If a credit limit is set for a subaccount, you promise not to exceed the
established credit limit. If you exceed the credit limit, you promise to repay
immediately the amount which exceeds the credit limit.
3. REPAYMENT -You promise to repay all amounts you owe under the Plan plus
interest. Payments are due on the last day of the month unless we set a different date
at the time of an advance. If the Addendum has no payment schedule for a
subaccount, your payment 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 repay all or part of what
you owe at any time without any prepayment penalty. Even if you prepay, you will still
be required to make the regularly scheduled payments unless we agree in writing to
a change in the payment schedule. If you have a joint share draft account, you will be
responsible far paying all overdraft advances obtained by a joint holder of the share
draft account. Payments will be applied in the order the Credk Union chooses.
4. PLAN ACCESS,-You can obtain credit advances in any manner authorized by
us. If we allow you to~~se your ATM/Debit card to access the Plan, you may be liable
for the unauthorized use of your ATM/Debit card. You will not be liable for
unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft,
or possible unauthorized use. If you believe your ATM/Debit card has been lost or
stolen, immediately inform the Credit Union by calling or writing us at the telephone
number or address that appears elsewhere in the Plan. If the card is used to obtain
advances directly from the Plan, your liability will not exceed $50. If the unauthorized
withdrawal is from a share draft account, your liability is governed by the Regulation
E disclosures you received at the time you received your ATM/Debit card, even if the
withdrawal results in an advance being made from your overdraft subaccount.
5. FINANCE CHARGE--The dollar amount you pay for money borrowed is called
a "finance charge" and begins on the date of each advance. A finance charge will be
computed separately for each separate balance under the Plan. To compute the
finance charge, the unpaid balance for each day since your last payment (or since
an advance if you have not yet made a payment) is multiplied by the applicable daily
periodic rate. The sum of these amounts is the finance charge owed. The balance
used to compute the finance charge is the unpaid balance each day after payments
and credits to that balance have been subtracted and any additions to the balance
have been made. In addition to interest, we may charge other finance charges which
are disclosed on the Addendum. If the interest rate is a variable interest rate, the
Addendum explains how the variable interest rate works.
6. SECURITY -You pledge as security for the Plan all shares and dividends and,
if any, all deposits and interest in all joint and individual accounts you have with us
now and in the future. If a specific dollar amount is pledged for an advance, we will
freeze shares in that account to the extent of the outstanding balance for the
advance. Otherwise, your pledged shares may be withdrawn unless you are in
default. The following paragraph applies in all states except in Ohio, Rhode
Island and Massachusetts: We have a statutory lien on the shares and dividends
and, if any, the deposits and interest in all individual and joint accounts you have with
us and may exercise our rights under the lien to the extent permitted by state law.
(We are state chartered if our name does not include the term "Federal Credit
Union:') For all borrowers: The statutory lien and/or your pledge will allow us
to apply the funds in your account(s) to what you owe when you are in default.
The statutory lien and your pledge do not apply to any Individual Retirement
Account or any other account that would lose special tax treatment under state or
federal law if given as security.
Additional security for the Plan may be required at the time of an advance. If a
subaccount identifies a type of property (such as "New Cars") you must give that
type of property as security when you get an advance under that subaccount. A
subaccount name such as "Other Secured" means you must provide security
acceptable to us when you obtain an advance under that subaccount. Property you
give as security will secure all amounts awed under the Plan and all other loans you
have with us now or in the future, except any loan secured by your principal dwelling.
Property securing other loans you have with us may also secure the Plan.
7. PROPERTY INSURANCE, TAXES AND FEES -You must maintain property
insurance on all property that you give as security under the Plan. You may purchase
® CUNA MUTUAL GROUP, 1980, 82, 84, 86, 89, 98, 99, 2000, 01, 02, 03, ALL RIGHTS RESERVED
7)234-8484 Harrisburg, (800) 237-7328 Nationwide
ures
t e property insurance from anyone you choose who is acceptable to the Credit
nion. The amount and coverage of the property insurance must be acceptable to
u .You may provide the property insurance through a policy you already have, or
t rough,a policy you get::and pay for. You promise to make the insurance policy
p yable to us and to deliverahe policy or proof of coverage to us if asked to do so.
If you cancel your insurancexand get a refund, we have. a right to the refund. If the
p operty is lost or damaged, we can use the insurance settlement to repair the
p operty or apply it towards what you owe. You authorize us to endorse any draft or
c eck which may be payable to you in order for us to collect any refund or benefits
d e under your insurance policy. You also promise to pay all taxes and fees (like
r gistration fees) due on the property.
If you do not pay the taxes or fees on the property when due or keep it insured, we
ay pay these obligations, but we are not required to do so. Any money we spend
f r taxes, fees or insurance will be added to the unpaid balance of the advance and
y u will pay interest on those amounts at the same rate you agreed to pay on the
a vance. We may receive payments in connection with the insurance from a
c mpany which provides the insurance. We may monitor our loans for the purpose
o determining whether you and other borrowers have complied with the insurance
r quirements of its loan agreements or may engage others to do so. The insurance
c arged added to your advance may include (1) the insurance company's payments
to us and (2) the cost of determining compliance with the insurance requirements. If
w add amounts for taxes, fees or insurance to the unpaid balance of your advance,
w may increase your payments to pay the amount added within the term of the
in urance or approximate term of the advance.
8. NOTICE - If you do not purchase the required property insurance, the insurance
w may purchase and charge you for will cover only our interest in the property. The
in urance will not be liability insurance and will not satisfy any state financial
r ponslbility or no fault laws.
9. CREDIT INSURANCE -Credit life and/or credit disability insurance is optional
u der the Plan. If you qualify for and purchase the insurance from us, you authorize
u to add the insurance premiums monthly to your loan balance and charge you
in rest on the entire balance. If you elect credit insurance, your payments may
in rease for the period of time necessary to repay your advance may be extended
b and the approximate term stated on the Addendum. The credit insurance rates
m y change during the Plan. If the rates change, we will provide any notices
re wired by applicable law.
1 PERIODIC STATEMENT - On a regular basis you will receive a statement
sh wing all transactions under the Plan during the period covered by the statement.
St tements and notices will be sent to you at the most recent address you have
gi en us in writing. Unless applicable law requires notice to each joint borrower,
no ice to any one of you will be notice to all.
11 JOINT ACCOUNTS - If this is a joint account, each of you is individually and
joi tly responsible for paying all amounts owed. That means we can enforce our rights
un er the Plan against any one of you individually or against all of you together. If you
gi us inconsistent instructions, we can refuse to follow your instructions. Unless our
wr' en policy requires all of you to sign for an advance, each of you authorizes the
of er(s) to obtain advances individually and agrees to repay advances made to the
of er(s). Any joint accountholder may terminate the Plan by giving us prior written
no ice. If any of you terminate the Plan, the Plan is terminated for all of you. You remain
lia le individually and jointly for all advances incurred before termination.
12 FEES AND CHARGES - If you give us a security interest in certain types of
pr perty, we may charge you a filing fee to perfect our interest in the property. If so, the
am unt of the fee will be disclosed to you at the time you obtain an advance. We may
als charge you other fees in connection with the Plan. Those fees are disclosed on the
Ad endum and will be added to your loan balance unless you pay them in cash.
13. UPDATING CREDIT INFORMATION -You promise that you will promptly give
us ritten notice if you move, change your name or employment, or if any other
inf rmation you provided to us changes. Upon our request you also agree to provide
us pdated financial information.
14. DEFAULT -The following paragraph applies to borrowers in Idaho,
Ka sas, Maine and South Carolina: You will be in default if you do not make a
pa ment of the amount required when it is due. You will also be in default if we
bel eve the prospect of payment, performance, or realization on any property given
as ecurity is significantly impaired.
Th following paragraph applies only to borrowers /n Wisconsin: You will be in
def ult if you fail to make a payment when due two times during any 12-month
per od. You will be in default if breaking any promise made under the Plan materially
im irs your ability to repay what you owe or materially impairs the condition, value,
or rotection of or our right in any property you gave as security.
Th following paragraph applies only to borrowers in Iowa: You will be in default
if y u are more than 10 days late in making a payment. You will also be in default if
you do not comply with the terms of the Plan and your failure to comply materially
imp irs any property you gave as security of your ability to repay what you owe
and r the Plan.
PSECU FORM #3146
JBXX0601-1 037-2092-1 (1/03)
/" ~/~ ou do not make a paymentof the ameount required whten t i Ydue. You will
r f~ Iffa,~lt if you break any promise you made under the Plan or if anyone is in
Gf under will be n defaulgt ifeou d e~fiale forbankructc nbecome resolvent, f dou
~+ It ~(ou Y P Y Y
r~l a fey fal oe f something happenstwle bellevedmay siubstantiall ydreducecyouir
~B a tin ~ ay what you owe. You will also be in default under the Plan if you are in
G a reP
(~ t~ r,der any other loan agreement with us.
~~I G"~~ONin Colo adoEFD strict ofhColumbia,glowaagKansas p/Mar"ne~
Og n~aefault and after expiratsonao~any ~ghtryou have under applicable st to
lj~sfe ~ re your default, we can demand immediate payment of the entire unpaid
I 3 Gv rider the Plan without giving you advance notice.
/ ^G6 {~~ and Lou slam: Whens ou arerin defauln wel atn ee uiaeemmed a e~
I B 0/t/5t acceleration) of the entire unpaid balance under the Plan. You waive any
r ypent have to demand for payment, notice of intent to accelerate and notice of
~~ t'~/oation.
Gel {pl{~s jan ~f med ate payment s demanded, you willtcontin e~o~ pay interest
HB LO~t you owe has been repaid, at the applicable interest rates in effect unless
^~ fava r madetlthel shares and deposas given as securityfforr the (Plan can be
50nd6 o aaevn defaultu owe. We can also exercise any other rights given by law
~ lie ou
P B0 y ee the Credit Union has the right to take possession of any property given
Ir agr .t for an advance under the Plan without judicial process if this can be done
~~~ 6GJbr ae choose We will not be res onsib eifor tared oltherth operpentotacovered
~I h pia Agreement, that you leave inside the property or that is att ched to the
~,d Iy ~/Ve will try to return that property to you or make it available to you to claim.
3 tr qty.
~f~oPeNe h oueowesusSlWe wlhgve you notce of any public saletoethe date after
P~O~nasP~ vawill be 'd Idubct d d ~ thexmoneeSreceived9rom the sale. Those costs
Y
~ni P foP~de the cost of storing the property, preparing it for sale and attorney's fees
tr6 I~ zte~t permitted under state law or awarded under the Bankruptcy Code. The
~arefBne Sale money will be applied to what you owe under the Plan.
t05t 0 also have to pay any amount that remains unpaid after the sale money has
f0 VIII lied to any unpaid balance under the PIan.You agree to pay interest on that
.(off aPP the same rate as the advance, or, if applicable, at the default rate
ne o~~t d on the Addendum, until that amount has been paid.
S 5olO5eoWing paragraph applies only fo Wisconsin borrowers: When you are in
d {Oil d after expiration of any right you have under applicable state law to cure
Tnfa~l efault, we may require immediate payment of your outstanding loan balance
doer ~ the Pve the property to ussf you choose,roPwe maly seek totaketpossession
~nl~~tar~oPerty by judicial process. If we repossess the property, you agree to pay
of typna~ob le home,lt a Jere, snowmobile9boat o pa~ceaft you wpl apsotbe requ~ed
real~le, costs permitted by Section 422.413 of the Wisconsin Statutes.
den ay any ing paragraph applies only to Louisiana borrowers: When you are in
T ®~// de a he P an. You waive any right you(have Ito demand for payment not tie
bala~t ®dt you willecontinue tto pay nterestcunt'ielfwhat you owe haistbeen repaid at
dge apdum blf a demand forsimmed'Iate payment has beentmade,Ithe shares and
Pddosits gise any otheritr thtsh ven be aw whenll ou are in default and ouWr hts
dep exe 9 9 Y Y 9
aj5p f anY security agreements you have with us.
Ind GeSNon y tof borrowersHn U nols We have the right to than/ge the terms of the
ePP1lfrom time to time after giving you any advance notice required by law. Any
Pia nge to the interest rate or other charges will apply to future advances.
spa {ollo„ying paragraphs apply only fo borrowers In Wisconsin: We can
rngn9e is~ ns nsSt tutes.lYourwi I be no~if edeof anccchann eein iterms`tAn ncrease
Y 9
o{ the d ily periodic rate under a variable rate interest rate is not considered a
N to a In terms under the Plan.
cnan9 cancel the entire Plan or any part of the Plan at any time. You may cancel
Vie Phan at any time by giving us prior written notice. Your obligation to pay the
tree aid hotel the Plan,f exce t tosthetextenlt that ntoure obi teths limited bthSection
~~IO~155 of the Wisconsin Statutes. Y Y Y
aQ2• fvffOWing paragraph applies only to borrowers In Iowa: We can change the
~e of the Plan from time to time after giving you any advance notice required by
te,N A ch he amoutnt off eoueSa hmentse ortthat otherwise adverselh affects exist not
'ncrea$es Y p Y Y 9
nces will apply to ex~y balances ohly if you agree to the change or you use
Plan after receiving notice that your use of the Plan means you agree the
ige applies to existing balances.
he following paragraph applies fo borrowers In all other sfates: We have the
r ght to change the terms of the Plan from time to time after giving you any advance
otice required by law. Any change in the interest rate will apply to future advances,
red at our discretion, and subject to any requirements of applicable law, will also
pply to unpaid balances.
he following paragraph applies to all borrowers other than Wisconsin
orrowers: An increase in the daily periodic rate under a variable interest rate is not
nsidered a change in terms under the Plan. We can cancel the entire Plan or any
rt of the Plan at any time. You can cancel the Plan at any time. Your obligation to
y the unpaid balances under the terms of the Plan continues whether you or the
redit Union cancel the Plan::
1 .DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN - We can
d lay enforcing any of our rights under this Plan any number of times without losing
t e ability to exercise our rights later. We can enforce this Plan against your heirs or
I gal representatives. If we change the terms of the Plan, you agree that this Plan
ill continue to protect us.
1 CONTINUED EFFECTIVENESS - If any part of this Plan is determined by a
curt to be unenforceable, the rest will remain in effect.
1 NOTICE TO UTAH BORROWERS -This written agreement is a final
e pression of the agreement between you and the Credit Union. This written
a reement may not be contradicted by evidence of any oral agreement.
2 THE SECURITY FOR THE LOAN -You give us what is known as a security
i Brest in all property described in any receipt, voucher or other document you
r ceive for an Advance ("the Advance").The security interest you give includes all
a cessions. Accessions are things which are attached to or installed in the
p operty now or in the future. The security interest also includes any replacements
f r the property which you buy within 10 days of the Advance or any extensions,
r newals or refinancing of the Advance. It also includes any money you receive
fr m selling the property or from insurance you have on the property. If the value
o the property declines, you promise to give us more property as security if asked
t do so.
2 WHATTHE SECURITY INTEREST COVERS -The security interest secures
th Advance described in the receipt, voucher or any other document you receive at
th time of the Advance and any extensions, renewals or refinancings of the
A vance. It also secures any other advances you have now or receive in the future
u der the Plan and any other amounts or loans, including any credit card loan, you
o e us for any reason now or in the future, except any loan secured by your principal
re idence. If the property is household goods as defined by the Federal Trade
C mmission Credit Practices Rule, the property will secure only the Advance and
n t other amounts you owe.
2 .OWNERSHIP OFTHE PROPERTY -You promise that you own the property or
if he Advance is to buy the property, you promise you will use the Advance for that
p rpose. You promise that no one else has any interest in or claim against the
pr perty that you have not already told us about. You promise not to sell or lease the
pr perty or to use it as security for a loan with another creditor until the Advance is
re aid. You promise you will allow no other security interest or lien to attach to the
pr perty either by your actions or by operation of law.
2 PROTECTING THE SECURITY INTEREST - If your state issues a title for the
pr perty, you promise to have our security interest shown on the title. We may have
to file what is called a financing statement to protect our security interest from the
cl ims of others. If asked to do so, you promise to sign a financing statement. You
al o promise to do whatever else we think is necessary to protect our security
int rest in the property. You promise to pay all costs, including but not limited to any
a rney fees, we incur in protecting our security interests and rights in the property,
to he extent permitted by applicable law.
24 USE OF PROPERTY -Until the Advance has been paid off, you promise you
wi I: (1) Use the property carefully and keep it in good repair. (2) Obtain our written
pe mission before making major changes to the property or changing the address
w ere the property is kept. (3) Inform us in writing before changing your address. (4)
All w us to inspect the property. (5) Promptly notify us if the property is damaged,
st len or abused. (6) Not use the property for any unlawful purpose.
25 NORTH DAKOTA NOTICE TO BORROWERS PURCHASING A MOTOR
V HICLE -THE MOTOR VEHICLE IN THIS TRANSACTION MAY BE SUBJECT
T REPOSSESSION. IF IT IS REPOSSESSED AND SOLD TO SOMEONE ELSE,
A D ALL AMOUNTS DUE TO THE SECURED PARTY ARE NOT RECEIVED IN
T AT SALE, YOU MAY HAVE TO PAY THE DIFFERENCE.
26 VERMONT NOTICE TO CO-SIGNER -YOUR SIGNATURE ON
T IS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR
R PAYMENT OF THIS.LOAN. IF THE BORROWER DOES
N T PAY,THE LENDER HAS A LEGAL RIGHTTO COLLECT
F OM YOU.
27 NOTICE FOR ARIZONA OWNERS OF PROPERTY - It is unlawful for you to
fail to return a motor vehicle that is subject to a security interest, within thirty days
aft r you have received notice of default. The notice will be mailed to the address
yo gave us. It is your responsibility to notify us if your address changes. The
m imum penalty for unlawful failure to return a motor vehicle is one year in prison
an or a fine of $150,000.
This notice coniains important information about your rights and our responsibilities
under the Fair Credit Billing Act. You are advised to read your monthly statement
and review it for any error discrepancies or unauthorized transactions.
NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR
STATEMENT. If you think your statement is wrong, or if you need more information
about a transaction on your statement, write us on a separate sheet at the address
listed on your statement. You are required to notify us in writing within 60 days
following the date on which we sent your statement wherein the error or problem
first appeared regarding any discrepancy or unauthorized transactions on your
account. Failure to notify us may result in your acceptance of any responsibility for
payment or reimbursement to us for any such error or discrepancy on your account.
Write to us as soon as possible. You can telephone us, but doing so will not
preserve your ngnts.
In your letter, give us the following information:
Your name and account number.
The dollar amount of the suspected error.
Describe the error and explain, if you can, why you believe there is an error.
If you need more information, describe the item you are riot sure about.
If you have authorized us to pay a credit card account automatically from your share
account or checking account, you can stop the payment on any amount you think is
wrong. To stop the payment your letter must reach us three business days before the
automatic payment is scheduled to occur.
YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR
WRITTEN NOTICE - We must acknowledge your letter within 30 days, unless we
have corrected the error by then. Within 90 days, we must either correct the error or
explain why we believe the statement was correct.
In this Agreement, the words you and your means each and all of those who apply
for the card or who signs this Agreement. Card means the VISA Credit Card and any
duplicates and renewals we issue. Account means your VISA Credit Card Line of
Credit account with us. We, us, and ours means this Credit Union.
1. RESPONSIBILITY - If we issue you a card, you agree to repay all debts and the
Finance Charge arising from the use of the card and the card account. For example,
you are responsible for charges made by yourself, your spouse and minor children.
You are also responsible for charges made by anyone else to whom you give the
card, and this responsibility continues until the card is recovered. You cannot disclaim
responsibility by notifying us, but we will close the account for new transactions if you
so request and return all cards. Your obligation to pay the account balance continues
even though an agreement, divorce decree or other court judgment to which we are
not a party may direct you or one of the other persons responsible to pay the account.
2. LOST CARD NOTIFICATION - If you believe the card has been lost or stolen,
you will immediately call the Credit Union at (717) 234-8484 or (800) 237-7328. After
hours call (800) 556-5678.
3. LIABILITY FOR UNAUTHORIZED USE -You agree to notify us immediately,
orally or in writing of the loss, theft or unauthorized use of your Credit Card. You may
be liable for the unauthorized use of your Credit Card. You will not be liable for
unauthorized use that occurs after you notify us of the loss, theft, or possible
unauthorized use. You will have no liability for unauthorized purchases made with
your Credit Card, unless you are grossly negligent in the handling of your Card. In
any case, your liability will not exceed $50.
4. CREDIT LINE - If we approve your application, we will establish aself-
replenishing Line of Credit for you and notify you of its amount when we issue the
card. You agree not to let the account balance exceed this approved Credit Line. Each
payment you make on the account will restore your Credit Line by the amount of the
payment which is applied to the principal. You may request an increase in your Credit
Line only by written application to us, which must be approved by our credit committee
or loan officer. By giving you written notice we may reduce your Credit Line from time
to time, or with good cause, revoke your card and terminate this Agreement. Goad
cause includes your failure to comply with this Agreement or any other agreement with
us, or our adverse reevaluation of your creditworthiness. You may also terminate this
Agreement at any time, but termination by either of us does not affect your obligation
to pay the account balance. The cards remain our property and you must recover and
surrender to us all cards upon our request and upon termination of this Agreement.
5. CREDIT INFORMATION -You authorize us to investigate your credit standing
when opening, renewing or reviewing your account, and you authorize us to disclose
information regarding your account to credit bureaus and other creditors who inquire
of us about your credit standing.
6. MONTHLY PAYMENT - We will mail you a statement every month showing your
Previous Balances of purchases and cash advances, the current transactions on your
account, the remaining credit available under your Credit Line, the New Balances of
purchases and cash advances, the Total New Balance, the Finance Charge due to date,
and any other billed fees, and the Minimum Payment required. Every month you must pay
at least the Minimum Payment within 25 days of your statement closing date. By separate
agreement you may authorize us to charge the minimum payment automatically to your
share or checking account with us. You may, of course, pay more frequently, pay more
than the Minimum Payment, or pay the Total New Balance in full, and you will reduce the
finance charge by doing so. If your monthly payment exceedsthe total credit line balance
owed, we will automatically post the credit to your Si shares.
The minimum payment will be (a) 2% of your Total New Balance, rounded up to the
next even dollar, or (b) $20.00, whichever is greater. In addition, at any time your Total
New Balance exceeds your Credit Line, you must immediately pay the excess upon our
demand. We will apply payments in the following manner: first to previous late fees,
fter we receive your letter, we cannot try to collect any amount you question, or report
y u as delinquent. We can continue to send statements to you for the amount you
question, including finance charges, and we can apply any unpaid amount against your
credit limit. You do not have tc pay any questioned amount while we are investigating,
b t you are still obligated to pay the parts of your statement that are not in question.
If we find that we made a mistake on your statement, you will not have to pay any
fi once charges related to any questioned amount. If we didn't make a mistake, you
ay have to pay finance charge's, and you will have to make up any missed
p yments on the questioned amount. In either case, we will send you a statement
o the amount you owe and the date that it is due.
If you fail to pay the amount that we think you owe, we may report you as delinquent.
H wever, if our explanation does not satisfy you and you write to us within ten days
t (ling us that you still refuse,to pay, we must tell anyone we report you to that you
h ve a question about your statement. And, we must tell you the name of anyone
reported you to. We must tell anyone we report you to that the matter has been
s ttled between us when it finally is.
If a don't follow these rules, we can't collect the first $50 of the questioned amount,
e en if your statement was correct.
S ECIAL RULE FOR CREDIT CARD PURCHASES - If you have a problem with
t e quality of property or services that you purchased with a credit card, and you
h ve tried in good faith to correct the problem with the merchant, you may have the
ri ht not to pay the remaining amount due on the property or services. There are two
li itations on this right: (a) You must have made the purchase in your home state or,
if of within your home state, within 100 miles of your current mailing address; and
()The purchase price must have been more than $50.
T ese limitations do not apply if we own or operate the merchant, or if we mailed
y u the advertisement for the property or services.
th n to previous cash advances finance charges, then to previous purchase finance
c arges, then to current late fees, then to previous cash advance balances, then to
pr vious purchase balances in the order that they were posted to your account, then
to current cash advance balances, and then to current purchase balances.
7. FINANCE CHARGES -You can avoid the Finance Charge on purchases by
p ying the full amount of the New Balance of Purchases each month within 25 days
of your statement closing date. Otherwise, the New Balance of Purchases, and the
s bsequent purchases from the date they are posted to your account, will be subject
to Finance Charge. Cash advances are always subject to Finance Charge from the
d to they are posted to your account.
P rchases: We calculate your finance charge by multiplying the average adjusted
d ily balance (see explanation below), including new purchases, for the billing cycle
by the monthly periodic purchase rate and corresponding ANNUAL PERCENTAGE
R TE as disclosed on the Addendum.
Advances: We calculate your finance charge on cash advances by
ping the average adjusted daily balance (see explanation below) for cash
es during the billing cycle by the monthly periodic advance rate and
Bonding ANNUAL PERCENTAGE RATE as disclosed on the Addendum.
B lance Computation Method
A rage Daily Balance for Purchases -The Average Daily Balance for Purchase
Tr nsactions is calculated by adding the Daily Balances (Purchase Transaction) for
ea h day in the billing cycle, and then dividing by the number of days in the billing
cy le. To calculate the Daily Balance for purchases each day, we take the following
st ps: We take the outstanding balance (all amounts you owe) at the start of the day.
Th n, in the sequence in which amounts are posted to your account, we add the
a ounts of all debits and subtract the amounts of all credits or payments which post
to your account that day. After applying payments and credits, we subtract the
a ount of any unpaid Finance Charges or Late Charges. Then we also subtract the
a ount of any Cash Advance transactions that posted to your account on that day or
in ny previous day in the billing cycle. This gives us the Daily Balance for purchases.
Av rage Daily Balance for Cash Advances -Cash Advance Transactions which are
po ted to your account are not included in the Average Daily Balance calculation for
pu chases, and are therefore not subject to the monthly periodic rate for purchases. The
Av rage Daily Balance is calculated separately for Cash Advances and is subject to the
C h Advance Monthly Periodic Rate. The Average Daily Balance for Cash Transactions
is alculated by adding the Daily Balances (Cash Transaction) for each day in the billing
cy le, and then dividing by the number of days in the billing cycle. To calculate the Daily
Ba once for cash each day, we take the following steps: We take the outstanding balance
(all amounts you owe) at the start of the day. Then, in the sequence in which amounts
ar posted to your account, we add the amounts of all debits and subtract the amounts
of II credits or payments which post to your account that day. After applying payments
an credits, we subtract the amount of any unpaid Finance Charges or Late Charges.
Th n we also subtract the amount of any Purchase Transactions that posted to your
ac ount on that day or in any previous day in the billing cycle. This gives us the Daily
Bal nce for Cash Advance Transactions. Note: Cash Advances are always subject to
fin nce charges and from the day they are posted to your account
Pa ments are applied in the following manner: first to previous late fees, then to
pre ious cash advances finance charges, then to previous purchase finance
ch rges, then to current late fees, then to previous cash advance balances, then to
pre ious purchase balances in the order that they were posted to your account, then
to urrent cash advance balances, and then to current purchase balances. Credits
are applied first to the particular type of debt which is being credited, if any, and then
tot a balance of your account.
No a also that if the total of the payments and credits which are posted to your
ac ount by the Payment Due Date shown on a statement is equal to or exceeds the
V!S- '4~redit Card Agreement and Truth In Len isclosure (continued)
to you lance showr~on that statement, we will not apply the Monthly Periodic Rate
Account on our next statement.
withDE25AULT -You will be in default if you fail to make any Minimum Payment
funds suffic ent fto make the minimum payment due f your VISA loan is in defaults
You agree that we may temporarily suspend your ATM card access if your VISA
payment is due for a period exceeding 30 days. You will also be in default if your
ability to repay us is materially reduced by a change in your employment, an
increase in your obligations, bankruptcy or insolvency proceedings involving you,
your death or your failure to abide by this Agreement, or if the value of our security
interest materially declines. We have the right to demand immediate payment of your
law.account balance if you default, subject to our giving you any notice required by
expensese extent permitted by law, you will also be required to pay our collection
,including court costs and reasonable attorney fees.
alter/SINC' THE CARD - To make~a purchase or cash advance, there are two
native rocedures to be followed. One is for ou to resent the card to a
participating VISA plan merchant, or another financial institution, and sign the sales or
cash advance draft which will be imprinted with your card. The other is to complete the
transaction by using your Personal Identification Number (PIN) in conjunction with the
card in an automated Teller Machine or other type of electronic terminal that provides
access to the VISA system. You agree that you will not use your card for any
transaction that is illegal under applicable federal, state, or local law. The monthly
statement will identify the merchant, electronic terminal or financial institution at which
transactions were made, but sale, cash advance, credit or other slips cannot be
returned with the statement. You will retain a copy of such slips furnished at the time
of the transaction in order to verify the monthly statement. The Credit Union may make
a reasonable charge for photocopies of slips you may request.
10. RETURNS AND ADJUSTMENTS -Merchants and others who honor the card
may give credit for returns and adjustments, and they will do so by sending us a credit
slip which we will post to your VISA line of credit. If your credit and payments exceed
what you owe us, we will automatically post the excess credit balance to your S1
Shares within 75 days. If the balance is one dollar or more,.upon your written request,
we will refund the credit balance to you.
11. FOREIGN TRANSACTIONS -Purchases and cash advances made in foreign
currencies will be billed to you in U.S. dollars. The conversion rate to dollars will be
made in accordance with the operating regulations for international transactions
established by VISA U.S.A., Inc.
plan LAN MERCHANT DISPUTES - We are not responsible for the refusal of any
merchant or finarcial institution to honor your card. We are subject to claims and
coMideARD CARDHOLDER AGREEMENT -The Undersigned (you or your), in
anon of THE PENNSYLVANIA STATE EMPLOYEES CREDIT UNION (we,
our and us) issuing to you an ATM CARD, hereby agree to be legally bound by the
following terms and conditions. You agree that the use of your ATM card(s)
constitutes acceptance of the terms and conditions of this Agreement. You
understand that ATM is acredit-related service and you authorize PSECU to obtain
a credit report on any users of this account.
Checkm OUNTS AND USES OF ATM CARD -You have the account(s) (including
Agree g and Regular Shares), which we set forth on your application form with this
be us ment. You hereby request that we issue to you one or more ATM CARD(S) to
ed in connection with such accounts as described in this Agreement.
You understand you may use the ATM CARD at a STAR SYSTEMS® ATM to (1)
withdraw cash from, (2) make or arrange for deposits in, (3) effect transfers to or from
your account, (4) receive information regarding the balance in your account(s) or (5)
make cash advances from your credit account(s) in the amounts you request. You may
also use automated teller machines throughout the United States and in certain
foreign countries which bear the PLUS SYSTEM® name and logo (1) to make
withdrawals from, (2) effect transfers to or from, (3) receive information regarding the
balances in your Checking or Regular shares. If you have a Personal Service Loan
approved and in place, you may also make a cash advance from your PSL.You further
understand you may use the ATM CARD to purchase oods and services
("Purchase~~ g
a~epted b) at any retail establishment ("Merchant°) where ATM CARDS are
cash' if Perm tted bythe Merchant you shatAbe requeD ng us to withdraw funds~ntthe
amount of such Purchase (including any cash received from the Merchant) from your
Checking Shares and directing or ordering us to pay such funds to the Merchant.
You request that we will provide to you such other services or access to other ATM
systems or networks using the ATM CARD which we may later make available and
which we advise you are offered in connection with your account(s) set forth on your
application form. You also understand that from time to time you may request in
writing that we provide access to additional accounts of yours through the ATM
CARD we have issued to you. You agree that the uses of the ATM CARD described
in this ggreemeht shall be subject to the rules and regulations of each account
which is accessed by such Card.
2• USE OF PERSONAL IDENTIFICATION NUMBER ("PIN") WITH ATM CARD
You understand that a STAR SYSTEMS or a PLUS SYSTEM ATM is an automated
teller. It can and will perform many of the same tasks as a human teller. You
ATMowledge that the Personal Identification Number or PIN which you use with the
SYSTEMSD is your signature, identifies the bearer of the Card to the STAR
validates ATM, PLUS SYSTEM ATM, or other network ATM and authenticates and
the directions given just as your actual signature and other proof identify
d fenses (other than tort mss) arising out of goods and services you purchase with
th card only if you have made a good faith attempt, but have been unable to obtain
s isfaction from the plan merchant, and (a) your purchase was made in response to
a advertisement we sent or participated in sending you, or (b) your purchase cost
m re than $50 and was made from a plan merchant in your state or within 100 miles
of our home. Any other disputes you must resolve directly with the plan merchant.
1 SECURITY INTEREST - To secure your account, you grant us a purchase
m ney security interest under the Uniform Commercial Code in any goods you
pu chase through the account. If you default, we will have the right to recover any of
th se goods which we have not been paid for through our application of your
pa ments in the manner described in the Monthly Payment section. With respect to
thi account only, we will not assert any statutory right we may have if you are in
de ault to prevent withdrawal of your unpledged credit union shares (Deposits)
be ow the unpaid balance of, your account. However, if you give or have given us a
sp cific pledge of your credit: union shares (Deposits) by signing the Pledge of
Sh res or otherwise, or any o#ter security interests for all your debts, your account
wil be secured by your pledged shares (Deposits) and by the property described in
th se other security agreements, except for your home.
14 EFFECT OF AGREEMENT -This Agreement is the contract which applies to
all transactions on your account even though the sales, cash advance, credit or
of er slips you sign or receive may contain different terms. We may amend the
Ag Bement from time to time by sending you the advance written notice required by
la .Your use of the card thereafter will indicate your agreement to the amendments.
To he extent the law permits, and we indicate in our notice, amendments will apply
to our existing account balance as well as to future transactions.
15. LATE PAYMENT CHARGE - If your Minimum Payment is not paid within 15
da s after the Payment Due Date, you will be subject to a single charge of 5% of the
mi imum scheduled payment.
16. RUSH FEES -You may incur additional charges for rush processing and rush
del very of cards and/or PIN mailer.
17. DRAFT COPIES -You may incur an additional charge for transaction
su mary/sale draft documentation.
18. COPY RECEIVED -You acknowledge receipt of a copy of this Agreement.
19. ILLEGALTRANSACTIONS PROHIBITED-You agree thatyouwill not use your
car for any transaction that is illegal under applicable federal, state, or local law.
20. NO USE -Inactive Visa accounts that have no purchase or cash activity may
be losed without notice to you after 18 months of no activity.
21. NEURAL NETWORK -PSECU uses neural network systems to predict and
pre ent unauthorized transactions. There may be occasions when a transaction is
de fined because it is indicative of possible fraudulent activity.
you and authenticate and val'date your directions to a human teller. You also
and rstand that a Merchant which accepts the ATM CARD fora Purchase
tra action may have an electronic terminal (Merchant operated or Self-Service)
whi h requires the use of your PIN and when your PIN is used at a Merchant's
ter final, it will authenticate and validate the directions given just as your actual
sig ature will authenticate and validate your directions given to us. You acknowledge
that your PIN is an identification code that is personal and confidential and that the
use of the PIN with the ATM CARD is a security devise for your account(s).
The efore, YOU AGREE TO TAKE ALL REASONABLE PRECAUTIONS THAT NO
ON ELSE LEARNS YOUR PIN.
3. (ABILITY FOR UNAUTHORIZED TRANSACTIONS -You agree to contact us
at o ce if you believe the ATM CARD(S) issued to you or PIN has been lost or stolen
or oney is missing from your account(s). You also agree that if your monthly
stat ment shows transactions which you did not make, and you do not contact us
with n 60 days after the statement was mailed to you, you may not get any money
lost fter that time. YOU AGREE THAT IF YOU GIVE YOUR ATM CARD(s) and PIN
TO OMEONE ELSE TO USEYOU ARE AUTHORIZING THEM TO ACT ON YOUR
BE ALF AND YOU WILL BE RESPONSIBLE FOR ANY USE OF THE CARD(S) BY
TH M. You could lose all your money in the account(s) if you take no action to notify
PS CU of the loss of your ATM CARD or PIN. Safeguard your Personal
(den ification Number (PIN). Do not tell or disclose your PIN to any other person. Do
not rite your PIN on your ATM CARD. Do not keep a written record of your PIN near
you ATM CARD. Do not choose a PIN that is easily identifiable.
A n w card may be ordered for you at that time and a °hold" will be placed on your
old rd. After such time, if you find your old card, destroy the old card by cutting it
in h If. If you attempt to use your old card, it will not work.
4. HARGES -You agree to pay a 50 cent charge for each deposit or withdrawal
exc ding 15 a month. You agree to pay the 50 cent penalty charge on any cash
disb rsement transaction (loan advance or share withdrawal) that is less than $20.
You gree to pay a 25 cent charge on each balance inquiry. You may incur a charge
for y adjustment that needs to be made to your account resulting from an error
you ode while making a deposit at an Automated Teller machine (ATM). You agree
to p y the charges or transaction fees which are charged by us for these services
or fo services which may later be offered as such fees or charges may be imposed
or c anged from time to time.
5. EPOSITS -You agree that when you make a deposit at a STAR SYSTEMS
ATM hat we have the right to verify the deposit before we make the money available
to y u. If you deliver cash, checks or other items to a STAR SYSTEMS ATM, you
and rstand and acknowledge that the funds from your deposit may not be available
for i mediate withdrawal and that the availability of your deposit shall depend on our
rules and regulations regarding the particular account in which you are making a
deposit, the items that you are depositing and whether the deposit is made at a
STAR SYSTEMS ATM that is owned by us or another financial institution. You also
understand and acknowledge that not all STAR SYSTEMS ATMS may accept
deposits and some STAR SYSTEMS ATMS may limit the amount of funds which
may be tleposited and that we may not control these limits.
6. LIABILITY -, If the ATM CARD is issued for a joint account, you agree to be
jointly and severally liable under the terms of this Agreement and the agreement for
such account. You agree that if you make deposits or payments to your account(s)
with itert~s other than cash (checks, drafts or other items) and we make funds
available to you from such deposits prior to their collection, you agree that we may
deduct the amounts of such funds from your account(s) which are not collected or,
if the funds in your account(s) are insufficient at such time, you will promptly'pay to
us any amount of such funds which''are not collected.
7. AMENDMENT OF THIS AGREEMENT -You agree that from time to time we
may amend or change the terms of thjs agreement including amendments or
changes to add further ATM CARD services or to amend or change the charges for
these services. We may do so by notifying you in writing of such amendments or
changes and your use of the ATM CARD after the effective date of any such
amendment or change shall constitute your acceptance of and agreement to such
amendment or change.
8. OWNERSHIP -You agree that the ATM CARD is our property and you will
surrender it to us upon our request. You agree that the ATM CARD is non-
transferable.
9. DISCLOSURES -You hereby acknowledge receipt of the disclosure statement
informing you of your rights under the Electronic Funds Transfer Act and a copy of
this Agreement.
REGULATION "E" DISCLOSURE
1. ELECTRONIC CHECK CONVERSION/ELECTRONIC RETURNED CHECK
FEES - If you pay for something with a check or share draft, you may authorize it
to be converted to an electronic fund transfer. You may also authorize merchants to
electronically debit your account for returned check fees. You are considered to have
authorized these electronic funds transfers if you complete the transaction after
being told (orally or by a notice posted or sent to you) that the transfer may be
processed electronically or if-you sign a written authorization.
2. SUMMARY OF EONSUMER LIABILITY -
• ATM, ACH anl~SST -Tell us at once if you believe your card has been lost
or stolen, Telephoning is the best way to keep your possible losses down. You could
lose all the money in your account plus your maximum overdraft line of credit. If you
believe your card has been lost or stolen, and you tell us within two business days
after you learn of the loss or theft, you can lose no more than $50 if someone used
your carp without your permission.
If you do not tell us within two business days after you learn of the loss or theft of
your carp, and we can prove we could have stopped someone from using your card
without your permission if you had told us, you could lose as much as $500.
Also, if your statement shows transfers that you did not make, tell us at once. If
you do not tell us within 60 days after the statement was mailed to you, you may
not get back any money you lost after the 60 days if we can prove that we could
have stopped someone from taking the money if you had told us in time.
If a good reason such as a long trip or a hospital stay kept you from telling us, we
will extend the time periods.
3. TELEPHONE NUMBER AND ADDRESS TO NOTIFY OF UNAUTHORIZED
TRANSFERS -
• ATM -Contact PSECU at (800) 237-7328 EXT 3808 {nationwide) or (717)
234-8484 (in Harrisburg). After hours, follow the menu options on PSECU's
voice mail system to report a lost or stolen card. For VISA Credit or Debit
Cards, follow the directions for Lost Card Notification under the VISA Credit
Card Agreement and Truth-in-Lending Disclosures section of this document.
• ACN and SST -Contact PSECU at (800) 237-7328 (nationwide) or (717)
234-8484 (in Harrisburg).
Or write to us at:
Pehnsylvania State Employees Credit Union
P•~. Box 67013
Harrisburg, PA 17106-7013
PSECU Business Hours:
800 a.m. - 5:00 p.m. M - F
TDp (g00) 472-1967 Nationwide
(717) 777-2100 in Harrisburg
4. FINANCIAL INSTITUTION'S BUSINESS DAYS -
• ATM, ACH and SST - PSECU's Business Days are Monday through Friday,
Holidays not included.
5. TYPES OF ELECTRONIC TRANSFERS A CONSUMER MAY MAKE -
• ATM -Balance inquiries on checking, savings and PSL; withdrawals from
checking/savings; cash advance from PSL; deposits to checking/savings;
purchase goods and services at any accepting retail establishment.
• ACH -Preauthorized debits and credits to checking and savings.
• SST _ Balance inquiries and transaction histories on all share, certificate and
loan accounts; transfers from any share to another share or loan account from
your PSL to any shaman account; withdrawals from any share except
IRA shares or certificat
ANY CHARGES FOR ELECTRONIC FUNDS TRANSFERS OR FOR THE
dHT TO MAKE TRANSFERS -
• ATM -Fifty cents for each disbursement (cash advance or withdrawal) less
than $20; fifty cents for each transaction over 15 per month; 25 cent for each
balance inquiry; and there may be an additional charge for any adjustment
that needs to be made to the account of any member who makes an error
while depositing at an Automated Teller machine (ATM).
• ACH - $20 service charge•for insufficient funds for each electronic transfer.
• SST -none
SUMMARY OF CONS_ UMER'S RIGHT TO RECEIVE DOCUMENTATION OF
T'S -
• ATM -You are entitled to receive a printed receipt at the time of each
transaction. You will receive a monthly statement showing the status of your
account, any transactions made during the month, and any penalties or
charges PSECU may impose during the month.
• ACH and SST -You will receive a monthly statement showing the status of
your account, any transactions made during the month, and any penalties or
charges PSECU may impose during the month.
• If you have arranged to have a direct deposit made to your account at least
once every 60 days from the same person or company, you can call us at
(800) 237-7328 to find out whether or not the deposit has been made.
STOP PAYMENT RIGHTS -PRE-AUTHORIZED TRANSFERS -
• ATM and SST -Not applicable.
• ACH -Right to Stop Payment and Procedures for doing so. If you have told
us in advance to make regular payments out of your account, you can stop
any of these payments. Here's how: Call us at (800) 237-7328 (Nationwide)
or (717) 234-8484 (Harrisburg) or write us at: Pennsylvania State Employees
Credit Union, P.O. Box 67013, Harrisburg, PA 17106-7013, in time for us to ''
receive your request three business days or more before the payment is
scheduled to be made. If you call, we may also require you to put your request
in writing and get it to us within 14 days after you call.
• Notice of Varying Amounts. If these regular payments may vary in amount,
the person you are going to pay will tell you, 10 days before each payment,
when it will be made and how much it will be. You may choose instead to get
this notice only when the payment would differ by more than a certain amount
from the previous payment, or when the amount would fall outside certain
limits that you set.
• Liability for Failure to Stop Payment of Preauthorized Transfers. If you
order us to stop one of these payments three business days or more before
the transfer is scheduled, and we do not do so, we will be liable for your losses
or damages, unless we request and do not receive written confirmation of an
oral stop payment within 14 days and the transfer takes place after 14 days,
or you fail to give us proper instructions that would enable us to place the stop
on the transfer.
SUMMARY OF THE FINANCIAL INSTITUTION'S FAILURE TO MAKE OR
~P CERTAIN TRANSFERS -
• ATM - If PSECU fails to complete a transaction on time or in the correct
amount, when properly instructed by you, PSECU will be liable for damages
caused by our failure unless: (1) there are insufficient funds in your account to
complete the transfer; (2) the funds in your account are uncollected; (3) the
funds are subject to legal process; (4) the transaction you request would exceed
the funds in your account plus any available overdraft protection; (5) the STAR
Systems, PLUS system has insufficient cash to complete the transaction; (6)
your card has been reported lost or stolen and you are using the reported card;
(7) PSECU has reason to believe that the transaction requested is
unauthorized; (8) the failure is due to an equipment breakdown that you know
about when you started the transaction at the STAR Systems, PLUS System;
(9) the failure was caused by an act of God, fire, or other catastrophe, or by any
other cause beyond control; (10) if you attempt to complete a transaction that,
at a STAR Systems, PLUS System, or merchant terminal that is not a
permissible transaction listed above; or, (11) the transaction would exceed the
security limitations on the use of your ATM CARD.
• ACH and SST - If PSECU fails to complete a transaction on time or in the
correct amount, when properly instructed by you, PSECU will be liable for
damages caused by our failure unless: (1) there are insufficient funds in your
account to complete the transfer; (2) the funds in your account are
uncollected; (3) the funds are subject to legal process; (4) the transaction you
request would exceed the funds in your account plus any available overdraft
credit; (5) PSECU has reason to believe that the transaction requested is
unauthorized; (8) the failure was caused by an act of God, fire, or other
catastrophe, or by another cause beyond control. In any case, PSECU shall
be liable only for actual proven and not consequential damages if the failure
to make the transaction resulted from a bona fide error despite PSECU's
procedures to avoid such errors.
DISCLOSURE TO THIRD PARTIES -
• ATM, ACH and SST -PSECU will disclose information about your account to
third parties: (1) when it is necessary to complete transactions; (2) to verify
the existence and standing of your account with PSECU upon request of third
party, such as a credit bureau; (3) to comply with government agency or court
Electronic Funds Transfer ATM Agreement a~eaulation "E" Disclosure
(confinued)
orders; (4) in accordance with your written permission; (5) to comply with
government or administrative agency summonses, subpoenas, or court
orders; (6) on receipt of certification from a Federal Agency or department
that a request for information is in compliance with the Right to Financial
Privacy Act of 1978; Regulation P, Privacy of Consumer Financial Information;
and (7) when it is necessary to take legal action to recover shares.
11. STAR SYSTEMS SERVICES -
• ATM Only -You may use your ATM CARD with your Personal Identification
Number (PIN) at STAR SYSTEMS located in Delaware, Maryland, New
Jersey and Pennsylvania to conduct any of the following transactions for the
accounts accessed by your ATM CARD.
a) Determine the account: balance(s) of your Checking your Regular
Shares, and your Personal Service Loan (PSL).
b) Withdraw cash from your Checking and your Regular Shares.
c) Make a cash advance from your Personal Service Loan (PSL).
d) Deposit currency, checks, or drafts (coins are not acceptable) for
transmission to PSECU for deposit in your Checking and your Regular
Shares.
NOTE: There are limited locations in Maryland where deposits may be made.
We wish to inform you that some ATMs located in these areas may only provide
access to your Checking, your Regular Shares, and your Personal Service Loan.
Not all ATMs may accept deposits. There may also be limits on the amount of
funds which you may deposit in certain ATMs.
12. PLUS SYSTEM° SERVICES -
• ATM Only -You may use your ATM CARD with your Personal Identification
Number (PIN) at any PLUS SYSTEM automated teller machine
(PLUS SYSTEM ATM) located throughout the United States, Puerto Rico,
Canada, Great Britain and Japan to conduct any of the following transactions on
the accounts accessed by your ATM CARD.
a) Determine the account balance(s) of your Checking, your Regular
Shares, and your Personal Service Loan (PSL).
b) Withdraw cash from your Checking and your Regular Shares.
c) Make a cash advance from your Personal Service Loan (PSL).
NOTE: Deposits~are not available through PLUS SYSTEM ATMs.
These are the STAR SYSTEMS services currently available through the PLUS
SYSTEM network. Other services may be offered in the future.
13.OTHER ATM NETWORK ACCESS -
• ATM Only -From time to time, PSECU may make arrangements with other
ATM networks to grant access to ATM CARDs. PSECU shall inform you when
such arrangements are made and describe the services that are available to
you. Any charges will also be described.
14. PURCHASE TRANSACTIONS -
• ATM Only -You may use the ATM CARD to purchase goods and services
("Purchase") at any retail establishment ("Merchant") where ATM CARDS are
accepted by such Merchant. The amount of all such Purchases will be
deducted from your Checking. When you make a Purchase using the ATM
CARD, you will be requesting PSECU to withdraw funds from your Checking
in the amount of the Purchase and directing PSECU to pay these funds to
such Merchant.
15. LIMITATIONS ON THE USE OF YOUR ATM CARD -
• ATM Only -You may withdraw up to $500 per day from one or a combination
of your accounts by using a ATM CARD provided the funds are available at a
STAR SYSTEMS or PLUS SYSTEM ATM. In addition, you may
withdraw/purchase up to $500 at point of sale locations. PSECU reserves the
right to reduce this daily limit at any time. In the event that your daily limit is
less than $500, PSECU will advise you of the new limitation. The day for
withdrawal limits starts at 12 midnight each day and ends at 12 midnight the
next day. For security purposes, there are also certain daily limitations on the
frequency of use of the ATM CARD. However, these limitations are not
revealed for security reasons. The Pennsylvania State Employees Credit
Union is not obliged to maintain such limitations.
You will be denied use of your ATM CARD if you exceed the daily
withdrawal/purchase limit, if you do not have adequate funds available in your
account, do not er~he correct Personal Identification Number (PIN), or
exceed the frequency of usage limitation. The receipt provided by the STAR
SYSTEMS or PLUS SYSTEM ATM or Merchant terminal will notify you of the
denial. There is a limit on the number of such denials permitted. Attempts to
exceed the limit will result in machine retention of our ATM CARD. The number
of attempts that result in machine retention is not revealed for security purposes.
i. ERROR RESOLUTION PROCEDURES -
• ATM, ACH and SST -Incase of errors or questions about your transactions:
Direct inquiries to PSECU at (800) 237-7328 Nationwide, TDD (800) 472-
1967 Nationwide, (717) 777-2100 in Harrisburg, or write PSECU at:
Pennsylvania State Employees Credit Union, P.O. Box 67013, Harrisburg, PA
17106-7013, as soon as you can if you think your statement or receipt is
wrong, or if you need more information about a transaction listed on the
statement or receipt. PSECU must hear from you no later than 60 days after
it sent you the first statement on which the problem or error appeared. You
must provide the following information: (a) Your name, account number, and
ATM CARD number (if a ATM transaction), or reference number (if Self-
Service Telephone Transaction); (b) Describe the error or the transaction you
are unsure about, and explain as clearly as you can why you believe it is an
error or why you need the information, and; (c) The dollar amount of the
suspected error.
If you tell PSECU orally, you must send your complaint or question in writing
within 10 business days. PSECU will tell you the results of the investigation
within 10 business days for STAR SYSTEMS, PLUS SYSTEM, SELF-
SERVICE TELEPHONE, or DIRECT DEBIT/CREDIT TRANSACTIONS, or 20
days for STAR SYSTEMS purchase transactions. If we need more time,
however, we may take up to 45 days for STAR SYSTEMS, PLUS SYSTEM,
SELF-SERVICE TELEPHONE, or DIRECT DEBIT/CREDIT TRANSACTIONS or
90 days for STAR SYSTEMS purchase transactions. If PSECU decides to do
this, it will recredit your account within 10 business days for the amount you think
is in error if it is a STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE
TELEPHONE, or DIRECT DEBITlCREDIT transaction, or 20 business days if it
is a STAR SYSTEMS purchase transaction. You will have the use of the money
during the time it takes to complete the investigation. If PSECU does not receive
your complaint or question in writing within 10 business days, PSECU may not
recredit your account. If PSECU decides there is no error, you will be advised
within three business days after the investigation is completed. You may ask for
copies of the documents PSECU used in the investigation. If PSECU credits
your account while investigating, you must repay those funds if PSECU
concludes no error has occurred.
.ATM SURCHARGE - If you use an ATM that is not operated by us, you may be
arged a fee by the ATM operator and by any national, regional or local network
ed in processing the transaction (and you may be charged a fee for a balance
luiry even if you do not complete a fund transfer). The ATM surcharge will be
bited from your account if you elect to complete the transaction.
iticeTo Consumers Using ATM's
• Be alert to your surroundings. If you doubt the safety of a particular location,
choose another ATM.
• If the ATM has an entry door, close the door prior to initiating your transaction.
• Put your cash away immediately.
• Direct complaints concerning ATM security to an appropriate department of
the owner of the ATM. New Jersey residents: you may call the New Jersey
Department of Banking at (609) 292-7272.
those members who purchase a vehicle under the
/ Program, please review the following FTC Notice:
NOTICE
IY HOLDER OFTHIS CONSUMER CREDIT CONTRACT
SUBJECT TO ALL CLAIMS AND DEFENSES WHICH
E DEBTOR COULD ASSERT AGAINST THE SELLER
GOODS OR SERVICES OBTAINED WITH THE
OCEEDS HEREOF. RECOVERY HEREUNDER BY THE
BTOR SHALL NOT EXCEED AMOUNTS PAID BY THE
BTOR HEREUNDER.
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ADVANCE PROCEEDS VOUCHER G/ ~
AND SECURITY AGREEMENT i
the ~nanclal IinkTM
CLYDE D MILLER Q 03/02/2 04 8202519024 /10 0003704110
PURPOSE:
550 W PENN ST P VATS PARTY
CARLISLE PA 17013-2236 ',
TRANSACTION 1. ^ NEWLOAN 2^ OLOANADVANCE 3.^ (DESCRIBE) 4.^ EOUITYADVANCE
~ -• ~ •~ ~
YOU HAVE PREVIOUSLY ELEGTEDTD HAVETHIS ADVANCE CREDIT DISABILrn( SINGLE CREDR UFE JOINT CREDIT LIFE
INSURED WITH THE FOLLOWING COVERAGE YES ^ NO ® YES ^ NO ® YES ^ NO
DAILY PERIODIC RATE ANNt1AL PER- tNTEREST RATE IS AMOUNT REOU D PREVIOUS BALANCE NEW SAUINCE
(CHANGE IN TERMS ONLY) Ci:NTAGE RATE +OTHER cHAR s AMOUNTADllANDED '
FUUS7 VARIABLE-f ~S•;Zi?' 5:~; ty',~i:'
.013671 04.990% ~ ^ 3,660.00 =#j~'#=~.• ~ ;, ~€s~~, $0.00 3,660.00
PAYMENT DUE DATE PAYMENT FRECIUEJJCY PROJECTED LOAN TERM
50.63 03/26/Q4 BIWEEKLY
- • - ~
IF71RStSAHOMEEQURYAONANCE,THEONLYSECURr[YFORTHISAD/ANCEISTHEREALPROPE 7YQNM03TCASES1fOURHOME)WHICHYOUr3AVEA8SECURiTYWHENYOURA000UNT
VWS ESTABUSHEQ
IF THIS IS AfOTA HOME EOUmf ADVANCE;. IN ADDIi10N TO THE PLEDGE OF SHARES IN YOUR LOAN ER• CREJNTAGREEMENT. THE FOLLOWING PROPERTY SECURES naffs aewur.F
1.
2. HONDA CIVIC 1990 2HGED7362LH537876 CPE 3,660.00
3.
4.OTHER
YOU PLEDGE SHARESAND/OR DEPOSRS OF $ IW ACCO NTNUMBER
OLOACCOUNT/LOANNUMBER PAYOFF PRRVC.+INL OLDACCOUNTILO/WNUMBER PAYOFF PR1NC.+INT. OLDACCOUNTlLOANNt1MBER (C PAYOFF RINC.+INT.
OLDACCOUNT/LCVWNUMBER D PAYOFF PRINC.+INT, OLDACCOUNTA.OANNUMBER PAYOFF PRINC.+INT. OLDACCOUNT/LOANNUMBFJt PAYOFF PRINC.+IN7
By accepting the proceeds or by using the funds advanced and deposited into your hare/share draft;account, you agree (1) That the property referenced above
wlli secure the advance and any other advances you have now or receive fn the ure under the LOANLINER• Credit and Security Agreement (the Plan) and
-any other amounts you owe us for any reason now or In the future in accordance ith the terms of the Plan and (2) to make payments as d(sGosed above fn i
accordance with the terms of the Plan. i
m CU.VA MUTUAL GROOP,1980, 82, 84, 88, 89,98.99.2900, 200t, ALL RIGHTS RESERVED i PSECU FORM +83175 JVXX0100.1 037-2092-1 (4f01~
~~ ~~ ~~~~
Pennsylvania State
Employees Credit l3nion
P. O. Box 67013
Harrisburg, PA 17106-7013
. (717) 234-8484
(800) 237 7328
EXHIBI'~ "D"
the financial linkTM
P.O. Box 67013 • Harrisburg, PA 17106-7013 •
Loan Dis
This LOANLINER~ Credit and Security Agreement, which includes the Truth in
Lending Disclosures, will be referred to as the Plan. The Plan documents include
this Agreement and an Addendum. You, your and borrower mean any person who
signs the Plan. Credit Union, we, our and us mean PSECU or anyone to whom the
Credit Union transfers its rights under the Plan.
1. HOW THIS PLAN WORKS -This is an open-end, multi-featured credit plan. We
anticipate that, from time to time, you will borrow money (called "advances") under
the Plan. We are not required to make advances to you under the Plan and can
refuse a request for an advance at any time. The Addendum describes the
different types of credit (called "subaccounts") available under the Plan, the current
interest rate for each subaccount expressed as a daily periodic rate and
corresponding annual percentage rate and other charges. It may also have other
terms and a schedule for determining the payment amounts.
2. CREDIT LIMIT - We may, but do not have to, establish a credit limit on certain
subaccounts. If a credit limit is set for a subaccount, you promise not to exceed the
established credit limit. If you exceed the credit limit, you promise to repay
immediately the amount which exceeds the credit limit.
3. REPAYMENT -You promise to repay all amounts you owe under the Pian plus
interest. Payments are due on the last day of the month unless we set a different date
at the time of an advance. If the Addendum has no payment schedule for a
subaccount, your payment 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 repay all or part of what
you owe at any time without any prepayment penalty. Even if you prepay, you will still
be required to make the regularly scheduled payments unless we agree in writing to
a change in the payment schedule. If you have a joint share draft account, you will be
responsible for paying all overdraft advances obtained by a joint holder of the share
draft account. Payments will be applied in the order the Credit Union chooses.
4. PLAN ACCESS..-You can obtain credit advances in any manner authorized by
us. if we allow you to~use your ATM/Debit card to access the Plan, you may be liable
for the unauthorized use of your ATM/Debit card. You will not be liable for
unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft,
or possible unauthorized use. If you believe your ATM/Debit card has been lost or
stolen, immediately inform the Credit Union by calling or writing us at the telephone
number or address that appears elsewhere in the Plan. If the card is used to obtain
advances directly from the Plan, your liability will not exceed $50. If the unauthorized
withdrawal is from a share draft account, your liability is governed by the Regulation
E disclosures you received at the time you received your ATM/Debit card, even if the
withdrawal results in an advance being made from your overdraft subaccount.
5. FINANCE CHARGE -The dollar amount you pay for money borrowed is called
a "finance charge" and begins on the date of each advance. A finance charge will be
computed separately for each separate balance under the Plan. To compute the
finance charge, the unpaid balance for each day since your last payment (or since
an advance if you have not yet made a payment) is multiplied by the applicable daily
periodic rate. The sum of these amounts is the finance charge owed. The balance
used to compute the finance charge is the unpaid balance each day after payments
and credits to that balance have been subtracted and any additions to the balance
have been made. In addition to interest, we may charge other finance charges which
are disclosed on the Addendum. If the interest rate is a variable interest rate, the
Addendum explains how the variable interest rate works.
6. SECURITY -You pledge as security for the Plan ail shares and dividends and,
if any, all deposits and interest in all joint and individual accounts you have with us
now and in the future. If a specific dollar amount is pledged for an advance, we will
freeze shares in that account to the extent of the outstanding balance for the
advance. Otherwise, your pledged shares may be withdrawn unless you are in
default. The following paragraph applies in all states except in Ohio, Rhode
Island and Massachusetts: We have a statutory lien on the shares and dividends
and, if any, the deposits and interest in all individual and joint accounts you have with
us and may exercise our rights under the lien to the extent permitted by state law.
(We are state chartered if our name does not include the term "Federal Credit
Union:') For all borrowers: The statutory lien and/or your pledge will allow us
to apply the funds in your account(s) to what you owe when you are in default.
The statutory lien and your pledge do not apply to any Individual Retirement
Account or any other account that would lose special tax treatment under state or
federal law if given as security.
Additional security for the Plan may be required at the time of an advance. If a
subaccount identifies a type of property (such as "New Cars") you must give that
type of property as security when you get an advance under that subaccount. A
subaccount name such as "Other Secured" means you must provide security
acceptable to us when you obtain an advance under that subaccount. Property you
give as security will secure all amounts owed under the Plan and all other loans you
have with us now or in the future, except any loan secured by your principal dwelling.
Property securing other loans you have with us may also secure the Plan.
7. PROPERTY INSURANCE, TAXES AND FEES -You must maintain property
insurance on all property that you give as security under the Plan. You may purchase
®CUNA MUTUAL GROUP, 1980, 82, 84, Bfi, 89, 98, 99, 2000, 01, 02, 03, ALL RIGHTS RESERVED r.~
'nio
7J 234-8484 Harrisburg, (800) 237-7328 Nationwide
ures
t e property insurance from anyone you choose who is acceptable to the Credit
U ion. The amount and coverage of the property insurance must be acceptable to
u .You may provide the property insurance through a policy you already have, or
t rough,a policy you get_and pay for. You promise to make the insurance policy
p yable to us and to delive~:the policy or proof of coverage to us if asked to do so.
If you cancel your insurance and get a refund, we have a right to the refund. If the
p operty is lost or damaged, we can use the insurance settlement to repair the
p operty or apply it towards what you owe. You authorize us to endorse any draft or
c eck which may be payable to you in order for us to collect any refund or benefits
d e under your insurance policy. You also promise to pay all taxes and fees (like
r gistration fees) due on the property.
If you do not pay the taxes or fees on the property when due or keep it insured, we
y pay these obligations, but we are not required to do so. Any money we spend
fo taxes, fees or insurance will be added to the unpaid balance of the advance and
y u will pay interest on those amounts at the same rate you agreed to pay on the
a vance. We may receive payments in connection with the insurance from a
c mpany which provides the insurance. We may monitor our loans for the purpose
o determining whether you and other borrowers have complied with the insurance
r uirements of its loan agreements or may engage others to do so. The insurance
c arged added to your advance may include (1) the insurance company's payments
to us and (2) the cost of determining compliance with the insurance requirements.. If
w add amounts for taxes, fees or insurance to the unpaid balance of your advance,
w may increase your payments to pay the amount added within the term of the
in urance or approximate term of the advance.
8. NOTICE - If you do not purchase the required property insurance, the insurance
w may purchase and charge you for will cover only our interest in the property. The
in urance will not be liability insurance and will not satisfy any state financial
r ponsibility or no fault laws.
9. CREDIT INSURANCE -Credit life and/or credit disability insurance is optional
u der the Plan. If you qualify for and purchase the insurance from us, you authorize
u to add the insurance premiums monthly to your loan balance and charge you
in Brest on the entire balance. If you elect credit insurance, your payments may
in rease for the period of time necessary to repay your advance may be extended
b yond the approximate term stated on the Addendum. The credit insurance rates
m y change during the Plan. If the rates change, we will provide any notices
re wired by applicable law.
1 PERIODIC STATEMENT - On a regular basis you will receive a statement
s owing all transactions under the Plan during the period covered by the statement.
S tements and notices will be sent to you at the most recent address you have
gi en us in writing. Unless applicable law requires notice to each joint borrower,
n lice to any one of you will be notice to all.
11. JOINT ACCOUNTS - If this is a joint account, each of you is individually and
joi tly responsible for paying all amounts owed. That means we can enforce our rights
u der the Plan against any one of you individually or against all of you together. If you
gi a us inconsistent instructions, we can refuse to follow your instructions. Unless our
w itten policy requires all of you to sign for an advance, each of you authorizes the
of er(s) to obtain advances individually and agrees to repay advances made to the
of er(s). Any joint accountholder may terminate the Plan by giving us prior written
n ice. If any of you terminate the Plan, the Plan is terminated for all of you. You remain
lia le individually and jointly for all advances incurred before termination.
1 FEES AND CHARGES - If you give us a security interest in certain types of
pr perty, we may charge you a filing fee to perfect our interest in the property. If so, the
a ount of the fee will be disclosed to you at the time you obtain an advance. We may
al o charge you other fees in connection with the Plan. Those fees are disclosed on the
A dendum and will be added to your loan balance unless you pay them in cash.
1 UPDATING CREDIT INFORMATION -You promise that you will promptly give
us written notice if you move, change your name or employment, or if any other
inf rmation you provided to us changes. Upon our request you also agree to provide
us updated financial information.
1 DEFAULT -The following paragraph applies to borrowers in Idaho,
K nsas, Maine and South Carolina: You will be in default if you do not make a
p ment of the amount required when it is due. You will also be in default if we
be ieve the prospect of payment, performance, or realization on any property given
as security is significantly impaired.
T e following paragraph applies only to borrowers in Wisconsin: You will be in
de ault if you fail to make a payment when due two times during any 12-month
pe iod.You will be in default if breaking any promise made under the Plan materially
im airs your ability to repay what you owe or materially impairs the condition, value,
or protection of or our right in any property you gave as security.
T e following paragraph applies only to borrowers !n Iowa: You will be in default
if ou are more than 10 days late in making a payment. You will also be in default if
yo do not comply with the terms of the Plan and your failure to comply materially
im airs any property you gave as security of your ability to repay what you owe
un er the Pian.
PSECU FORM #3146
JEIXXO601.1 037-2092.1 (1/03)
LOANLINER' Credit and Security Credit Agreecontinued)
The following'paragraph applies to borrowers in a I other states: 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 the Plan or if anyone is in
default under any security agreement made in connection with an advance under
the 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 we believe may substantially reduce your
ability to repay what you owe. You will also be in default under the Plan if you are in
default under any other loan agreement with us.
15. ACTIONS AFTER DEFAULT -The following paragraph applies to
borrowers In Colorado, District o/ Columbia, Iowa, Kansas, Maine,
Massachusetts, Missouri, Nebraska, West Vfrglnia and South Carolina: When
you are in default and after expiration of any right you have under applicable state
law to cure your default, we can demand immediate payment of the entire unpaid
balance under the Plan without giving you advance notice.
The following paragraph applies to borrowers In a!! other states excepf,
Wisconsin and Louisiana: When you are in default, we can require immediate
payment (acceleration) of the entire unpaid balance under the Plan. You waive any
right you have to demand for payment, notice of intent to accelerate and notice of
acceleration.
The /ollowing paragraphs apply to borrowers In all states except, Wisconsin
and Louisiana: If immediate payment is demanded, you will continue to pay interest
until what you owe has been repaid, at the applicable interest rates in effect unless
a default rate is disclosed on the Addendum. If a demand for immediate payment
has been made, the shares and deposits given as security for the Plan can be
applied toward what you owe. We can also exercise any other rights given by law
when you are in default.
You agree the Credit Union has the right to take possession of any property given
as security for an advance under the Plan without judicial process if this can be done
without breach of the peace. If we ask, ycu promise to deliver the property at a time
and place we choose. We will not be responsible for any other property, not covered
by this Agreement, that you leave inside the property or that is attached to the
property. We will try to return that property to you or make it available to you to claim.
After we have possession of the property, we can sell it and apply the money to any
amounts you owe us. We will give you notice of any public sale or the date after
which a private sale will be held. Our expenses for taking possession of and selling
the property will be dgducted from the money received from the sale. Those costs
may include the cost~df storing the property, preparing it for sale and attorney's fees
to the extent permitted under state law or awarded under the Bankruptcy Code. The
rest of the sale money will be applied to what you owe under the Plan.
You will also have to pay any amount that remains unpaid after the sale money has
been applied to any unpaid balance under the PIan.You agree to pay interest on that
amount at the same rate as the advance, or, if applicable, at the default rate
disclosed on the Addendum, until that amount has been paid.
The following paragraph applies only to Wisconsin borrowers: When you are in
default and after expiration of any right you have under applicable state law to cure
your default, we may require immediate payment of your outstanding loan balance
under the Plan and seek possession of the property given as security. You may
voluntarily give the property to us if you choose, or we may seek to take possession
of the property by judicial process. If we repossess the property, you agree to pay
reasonable expenses incurred in disposing of the property. If the property is a motor
vehicle, mobile home, trailer, snowmobile, boat or aircraft, you will also be required
to pay any costs permitted by Section 422.413 of the Wisconsin Statutes.
The fo/lowing paragraph applies only to Louisiana borrowers: When you are in
default, we can require immediate payment (acceleration) of the entire unpaid
balance under the Plan. You waive any right you have to demand for payment, notice
of intent to accelerate and notice of acceleration. if immediate payment is
demanded, you will continue to pay interest until what you owe has been repaid at
the applicable interest rates in effect unless a default rate is disclosed on the
Addendum. If a demand for immediate payment has been made, the shares and
deposits given as security for the Plan can be applied toward what you owe. We can
also exercise any other rights given by law when you are in default and our rights
under any security agreements you have with us.
16. CANCELLING OR CHANGING THE PLAN -The following paragraph
applies only to borrowers in Illinois: We have the right to change the terms of the
Plan from time to time after giving you any advance notice required by law. Any
change to the interest rate or other charges will apply to future advances.
The following paragraphs apply only to borrowers in Wisconsin: We can
change the terms of the Plan from time to time in accordance with Section 422.415
of the Wisconsin Statutes. You will be notified of any change in terms. An increase
in the daily periodic rate under a variable rate interest rate is not considered a
change in terms under the Plan.
We can cancel the entire Plan or any part of the Plan at any time. You may cancel
the Plan at any time by giving us prior written notice. Your obligation to pay the
unpaid balances under the terms of the Plan continues whether you or the credit
union cancel the Plan, except to the extent that your liability is limited by Section
422.4155 of the Wisconsin Statutes.
The following paragraph appUes only to borrowers in Iowa: We can change the
terms of the Plan from time to time after giving you any advance notice required by
law. A change that increases the rate of finance charge or other charge, that
increases the amount of your payments, or that otherwise adversely affects existing
b lances will apply to e~ balances only if you agree to the change or you use
t e Plan after receiving lice that your use of the Plan means you agree the
c ange applies to existing balances.
e following paragraph applies fo borrowers In all other states: We have the
ri ht to change the terms of the Plan from time to time after giving you any advance
n lice required by law. Any change in the interest rate will apply to future advances,
a d at our discretion, and subject to any requirements of applicable law, will also
a ply to unpaid balances.
e following paragraph applies to all borrowers other than Wisconsin
b rrowers: An increase in the daily periodic rate under a variable interest rate is not
c nsidered a change in terms under the Plan. We can cancel the entire Plan or any
p rt of the Plan at any time. You can cancel the Plan at any time. Your obligation to
p y the unpaid balances under the terms of the Plan continues whether you or the
C edit Union cancel the Plans=
1 .DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN - We can
d lay enforcing any of our rights under this Plan any number of times without losing
th ability to exercise our rights later. We can enforce this Plan against your heirs or
le al representatives. If we change the terms of the Plan, you agree that this Plan
w II continue to protect us.
1 CONTINUED EFFECTIVENESS - If any part of this Plan is determined by a
c urt to be unenforceable, the rest will remain in effect.
1 NOTICE TO UTAH BORROWERS -This written agreement is a final
e pression of the agreement between you and the Credit Union. This written
a reement may not be contradicted by evidence of any oral agreement.
2 . THE SECURITY FOR THE LOAN -You give us what is known as a security
in Brest in all property described in any receipt, voucher or other document you
re eive for an Advance ("the Advance").The security interest you give includes all
a essions. Accessions are things which are attached to or installed in the
pr perty now or in the future. The security interest also includes any replacements
fo the property which you buy within 10 days of the Advance or any extensions,
re ewals or refinancing of the Advance. It also includes any money you receive
fr m selling the property or from insurance you have on the property. If the value
of he property declines, you promise to give us more property as security if asked
to o so.
21 WHAT THE SECURITY INTEREST COVERS -The security interest secures
th Advance described in the receipt, voucher or any other document you receive at
th time of the Advance and any extensions, renewals or refinancings of the
A once. It also secures any other advances you have now or receive in the future
un er the Plan and any other amounts or loans, including any credit card loan, you
o us for any reason now or in the future, except any loan secured by your principal
re idence. If the property is household goods as defined by the Federal Trade
C mission Credit Practices Rule, the property will secure only the Advance and
no other amounts you owe.
22 OWNERSHIP OFTHE PROPERTY -You promise that you own the property or
if t e Advance is to buy the property, you promise you will use the Advance for that
pu pose. You promise that no one else has any interest in or claim against the
pr perty that you have not already told us about. You promise not to sell or lease the
pr perty or to use it as security for a loan with another creditor until the Advance is
re aid. You promise you will allow no other security interest or lien to attach to the
pr perty either by your actions or by operation of law.
23. PROTECTING THE SECURITY INTEREST - If your state issues a title for the
pr erty you promise to have our security interest shown on the title. We may have
to le what is called a financing statement to protect our security interest from the
clams of others. If asked to do so, you promise to sign a financing statement. You
als promise to do whatever else we think is necessary to protect our security
int rest in the property. You promise to pay all costs, including but not limited to any
att rney fees, we incur in protecting our security interests and rights in the property,
tot a extent permitted by applicable law.
24. 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 our written
per fission before making major changes to the property or changing the address
wh re the property is kept. (3) Inform us in wrking before changing your address. (4)
All us to inspect the property. (5) Promptly notify us if the property is damaged,
stol nor abused. (6) Not use the property for any unlawful purpose.
25. NORTH DAKOTA NOTICE TO BORROWERS PURCHASING A MOTOR
VE ICLE -THE MOTOR VEHICLE IN THIS TRANSACTION MAY BE SUBJECT
TO EPOSSESSION. IF IT IS REPOSSESSED AND SOLD TO SOMEONE ELSE,
AN ALL AMOUNTS DUE TO THE SECURED PARTY ARE NOT RECEIVED IN
TH T SALE, YOU MAY HAVE TO PAY THE DIFFERENCE.
26. VERMONT NOTICE TO CO-SIGNER -YOUR SIGNATURE ON
T IS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR
R PAYMENT OF THIS LOAN. IF THE BORROWER DOES
N T PAY,THE LENDER HAS A LEGAL RIGHTTO COLLECT
FR M YOU.
27. NOTICE FOR ARIZONA OWNERS OF PROPERTY - It is unlawful for you to
fail return a motor vehicle that is subject to a security interest, within thirty days
afte you have received notice of default. The notice will be mailed to the address
you gave us. It is your responsibility to notify us if your address changes. The
m imum penalty for unlawful failure to return a motor vehicle is one year in prison
an or a fine of $150,000.
This Notice co~itains important information about your rights and our responsibilities
under the Fair Credit Billing Act. You are advised to read your monthly statement
and review it for any error discrepancies or unauthorized transactions.
NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR
STATEMENT. If you think your statement is wrong, or if you need more information
about a transaction on your statement, write us on a separate sheet at the address
listed on your statement. You are required to notify us in writing within 60 days
following the date on which we sent your statement wherein the error or problem
first appeared regarding any discrepancy or unauthorized transactions on your
account. Failure to notify us may result in your acceptance of any responsibility for
payment or reimbursement to us for any such error or discrepancy on your account.
Write to us as soon as possible. You can telephone us, but doing so will not
preserve your rights.
In your letter, give us the following information:
Your name and account number.
The dollar amount of the suspected error.
Describe the error and explain, if you can, why you believe there is an error.
If you need more information, describe the item you are not sure about.
If you have authorized us to pay a credit card account automatically from your share
account or checking account, you can stop the payment on any amount you think is
wrong. To stop the payment your letter must reach us three business days before the
automatic payment is scheduled to occur.
YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR
WRITTEN NOTICE - We must acknowledge your letter within 30 days, unless we
have corrected the error by then. Within 90 days, we must either correct the error or
explain why we believe the statement was correct.
In this Agreement, the words you and your means each and all of those who apply
for the card or who signs this Agreement. Card means the VISA Credit Card and any
duplicates and renewals we issue. Account means your VISA Credit Card Line of
Credit account with us. We, us, and ours means this Credit Union.
1. RESPONSIBILITY - If we issue you a card, you agree to repay all debts and the
Finance Charge arising from the use of the card and the card account. For example,
you are responsible for charges made by yourself, your spouse and minor children.
You are also responsible for charges made by anyone else to whom 'you give the
card, and this responsibility continues until the card is recovered.You cannot disclaim
responsibility by notifying us, but we will close the account for new transactions if you
so request and return all cards. Your obligation to pay the account balance continues
even though an agreement, divorce decree or other court judgment to which we are
not a party may direct you or one of the other persons responsible to pay the account.
2. LOST CARD NOTIFICATION - If you believe the card has been lost or stolen,
you will immediately call the Credit Union at (717) 234-8484 or (800) 237-7328. After
hours call (800) 556-5678.
3. LIABILITY FOR UNAUTHORIZED USE -You agree to notify us immediately,
orally or in writing of the loss, theft or unauthorized use of your Credit Card. You may
be liable for the unauthorized use of your Credit Card. You will not be liable for
unauthorized use that occurs after you notify us of the loss, theft, or possible
unauthorized use. You will have no liability for unauthorized purchases made with
your Credit Card, unless you are grossly negligent in the handling of your Card. In
any case, your liability will not exceed $50.
4. CREDIT LINE - If we approve your application, we will establish aself-
replenishing Line of Credit for you and notify you of its amount when we issue the
card. You agree not to let the account balance exceed this approved Credit Line. Each
payment you make on the account will restore your Credit Line by the amount of the
payment which is applied to the principal. You may request an increase in your Credit
Line only by written application to us, which must be approved by our credit committee
or loan officer. By giving you written notice we may reduce your Credit Line from time
to time, or with good cause, revoke your card and terminate this Agreement. Good
cause includes your failure to comply with this Agreement or any other agreement with
us, or our adverse reevaluation of your creditworthiness. You may also terminate this
Agreement at any time, but termination by either of us does not affect your obligation
to pay the account balance. The cards remain our property and you must recover and
surrender to us all cards upon our request and upon termination of this Agreement.
5. CREDIT INFORMATION -You authorize us to investigate your credit standing
when opening, renewing or reviewing your account, and you authorize us to disclose
information regarding your account to credit bureaus and other creditors who inquire
of us about your credit standing.
6. MONTHLY PAYMENT - We will mail you a statement every month showing your
Previous Balances of purchases and cash advances, the current transactions on your
account, the remaining credit available under your Credit Line, the New Balances of
purchases and cash advances, the Total New Balance, the Finance Charge due to date,
and any other billed fees, and the Minimum Payment required. Every month you must pay
at least the Minimum Payment within 25 days of your statement closing date. By separate
agreement you may authorize us to charge the minimum payment automatically to your
share or checking account with us. You may, of course, pay more frequently, pay more
than the Minimum Payment, or pay the Total New Balance in full, and you will reduce the
finance charge by doing so. If your monthly payment exceeds the total credit line balance
owed, we will automatically post the credit to your S1 shares.
The minimum payment will be (a) 2% of your Total New Balance, rounded up to the
next even dollar, or (b) $20.00, whichever is greater. In addition, at any time your Total
New Balance exceeds your Credit Line, you must immediately pay the excess upon our
demand. We will apply payments in the following manner: first to previous late fees,
'ter we receive your letter, we cannot try to collect any amount you question, or report
~u as delinquent. We can continue to send statements to you for the amount you
~estion, including finance charges, and we can apply any unpaid amount against your
edit limit. You do not have to pay any questioned amount while we are investigating,
it you are still obligated to pay the parts of your statement that are not in question.
we find that we made a mistake on your statement, you will not have to pay any
lance charges related to any questioned amount. If we didn't make a mistake, you
ay have to pay finance charges, and you will have to make up any missed
ayments on the questioned amount. In either case, we will send you a statement
the amount you owe and the date that it is due.
you fail to pay the amount that we think you owe, we may report you as delinquent.
owever, if our explanation does not satisfy you and you write to us within ten days
(ling us that you still refuse.to pay, we must tell anyone we report you to that you
ave a question about your statement. And, we must tell you the name of anyone
e reported you to. We must tell anyone we report you to that the matter has been
;ttled between us when it finally is.
we don't follow these rules, we can't collect the first $50 of the questioned amount,
yen if your statement was correct.
PECIAL RULE FOR CREDIT CARD PURCHASES - If you have a problem with
e quality of property or services that you purchased with a credit card, and you
ave tried in good faith to correct the problem with the merchant, you may have the
Iht not to pay the remaining amount due on the property or services. There are two
nitations on this right: (a) You must have made the purchase in your home state or,
not within your home state, within 100 miles of your current mailing address; and
The purchase price must have been more than $50.
iese limitations do not apply if we own or operate the merchant, or if we mailed
w the advertisement for the property or services.
:n to previous cash advances finance charges, then to previous purchase finance
arges, then to current late fees, then to previous cash advance balances, then to
;vious purchase balances in the order that they were pasted to your account, then
current cash advance balances, and then to current purchase balances.
FINANCE CHARGES -You can avoid the Finance Charge on purchases by
ying the full amount of the New Balance of Purchases each month within 25 days
your statement closing date. Otherwise, the New Balance of Purchases, and the
bsequent purchases from the date they are posted to your account, will be subject
Finance Charge. Cash advances are always subject to Finance Charge from the
to they are posted to your account.
irchases: We calculate your finance charge by multiplying the average adjusted
ily balance (see explanation below), including new purchases, for the billing cycle
the monthly periodic purchase rate and corresponding ANNUAL PERCENTAGE
\TE as disclosed on the Addendum.
Advances: We calculate your finance charge on cash advances by
ping the average adjusted daily balance (see explanation below) for cash
es during the billing cycle by the monthly periodic advance rate and
iondina ANNUAL PERCENTAGE RATE as disclosed on the Addendum.
glance Computation Method
rerage Daily Balance for Purchases -The Average Daily Balance for Purchase
ansactions is calculated by adding the Daily Balances (Purchase Transaction) for
ich day in the billing cycle, and then dividing by the number of days in the billing
~cle. To calculate the Daily Balance for purchases each day, we take the following
eps: We take the outstanding balance (all amounts you owe) at the start of the day.
ien, in the sequence in which amounts are posted to your account, we add the
nounts of all debits and subtract the amounts of all credits or payments which post
your account that day. After applying payments and credits, we subtract the
nount of any unpaid Finance Charges or Late Charges. Then we also subtract the
nount of any Cash Advance transactions that posted to your account on that day or
any previous day in the billing cycle. This gives us the Daily Balance for purchases.
rerage Daily Balance for Cash Advances -Cash Advance Transactions which are
fisted to your account are not included in the Average Daily Balance calculation for
irchases, and are therefore not subject to the monthly periodic rate for purchases. The
rerage Daily Balance is calculated separately for Cash Advances and is subject to the
ash Advance Monthly Periodic Rate.The Average Daily Balance for Cash Transactions
calculated by adding the Daily Balances (Cash Transaction) for each day in the billing
cle, and then dividing by the number of days in the billing cycle. To calculate the Daily
glance for cash each day, we take the following steps: We take the outstanding balance
II amounts you owe) at the start of the day. Then, in the sequence in which amounts
e posted to your account, we add the amounts of all debits and subtract the amounts
all credits or payments which post to your account that day. After applying payments
id credits, we subtract the amount of any unpaid Finance Charges or Late Charges.
ien we also subtract the amount of any Purchase Transactions that posted to your
,count on that day or in any previous day in the billing cycle. This gives us the Daily
dance for Cash Advance Transactions. Note: Cash Advances are always subject to
lance charges and from the day they are posted to your account.
~yments are applied in the following manner: first to previous late fees, then to
evious cash advances finance charges, then to previous purchase finance
urges, then to current late fees, then to previous cash advance balances, then to
evious purchase balances in the order that they were posted to your account, then
current cash advance balances, and then to current purchase balances. Credits
e applied first to the particular type of debt which is being credited, if any, and then
the balance of your account.
ate also that if the total of the payments and credits which are posted to your
:count by the Payment Due Date shown on a statement is equal to or exceeds the
V1SA® Credit Card Agreement and Truth !n Lend sclosure (continued)
New Balance shown on that statement, we will not apply the Monthly Periodic Rate
to your Account on your next statement.
8. DEFAULT -You will be in default if you fail to make any Minimum Payment
within 25 days after your monthly statement closing date. You authorize us to transfer
funds sufficient to make the minimum payment due if your VISA loan is in default.
You agree that we may temporarily suspend your ATM card access if your VISA
payment is due for a period exceeding 30 days. You will also be in default if your
ability to repay us is materially reduced by a change in your employment, an
increase in your obligations, bankruptcy or insolvency proceedings involving you,
your death or your failure to abide by this Agreement, or if the value of our security
interest materially declines. We have the right to demand immediate payment of your
full account balance if you default, subject to our giving you any notice required by
law. To the extent permitted by law, you will also be required to pay our collection
expenses, including court costs and reasonable attorney fees.
9. USING THE CARD - To make~a purchase or cash advance, there are two
alternative procedures to be followed. One is for you to present the card to a
participating VISA plan merchant, or another financial institution, and sign the sales or
cash advance draft which will be imprinted with your card. The other is to complete the
transaction by using your Personal Identification Number (PIN) in conjunction with the
card in an Automated Teller Machine or other type of electronic terminal that provides
access to the VISA system. You agree that you will not use your card for any
transaction that is illegal under applicable federal, state, or local law. The monthly
statement will identify the merchant, electronic terminal or financial institution at which
transactions were made, but sale, cash advance, credit or other slips cannot be
returned with the statement. You will retain a copy of such slips furnished at the time
of the transaction in order to verify the monthly statement.The Credit Union may make
a reasonable charge for photocopies of slips you may request.
10. RETURNS AND ADJUSTMENTS -Merchants and others who honor the card
may give credit for returns and adjustments, and they will do so by sending us a credit
slip which we will post to your VISA line of credit. If your credit and payments exceed
what you owe us, we will automatically post the excess credit balance to your S1
Shares within 75 days. If the balance is one dollar or more, upon your written request,
we will refund the credit balance to you.
11. FOREIGN TRANSACTIONS -Purchases and cash advances made in foreign
currencies will be billed to you in U.S. dollars. The conversion rate to dollars will be
made in accordance with the operating regulations for international transactions
established by VISA U.S.A., Inc.
12. PLAN MERCHANT DISPUTES - We are not responsible for the refusal of any
plan merchant or financial institution to honor your card. We are subject to claims and
ATM CARD CARDHOLDER AGREEMENT -The Undersigned (you or your), in
consideration of THE PENNSYLVANIA STATE EMPLOYEES CREDIT UNION (we,
our and us) issuing to you an ATM CARD, hereby agree to be legally bound by the
following terms and conditions. You agree that the use of your ATM card(s)
constitutes acceptance of the terms and conditions of this Agreement. You
understand that ATM is acredit-related service and you authorize PSECU to obtain
a credit report on any users of this account.
1. ACCOUNTS AND USES OF ATM CARD -You have the account(s) (including
Checking and Regular Shares), which we set forth on your application form with this
Agreement. You hereby request that we issue to you one or more ATM CARD(s) to
be used in connection with such accounts as described in this Agreement.
You understand you may use the ATM CARD at a STAR SYSTEMS® ATM to (1)
withdraw cash from, (2) make or arrange for deposits in, (3) effect transfers to or from
your account, (4) receive information regarding the balance in your account(s) or (5)
make cash advances from your credit account(s) in the amounts you request. You may
also use automated teller machines throughout the United States and in certain
foreign countries which bear the PLUS SYSTENI® name and logo (1) to make
withdrawals from, (2) effect transfers to or from, (3) receive information regarding the
balances in your Checking or Regular shares. If you have a Personal Service Loan
approved and in place, you may also make a cash advance from your PSL.You further
understand you may use the ATM CARD to purchase goods and services
("Purchase") at any retail establishment ("Merchant") where ATM CARDS are
accepted by such Merchant. If you use the ATM CARD to make a Purchase to obtain
cash, if permitted by the Merchant, you shall be requesting us to withdraw funds in the
amount of such Purchase (including any cash received from the Merchant) from your
Checking Shares and directing or ordering us to pay such funds to the Merchant.
You request that we will provide to you such other services or access to other ATM
systems or networks using the ATM CARD which we may later make available and
which we advise you are offered in connection with your account(s) set forth on your
application form. You also understand that from time to time you may request in
writing that we provide access to additional accounts of yours through the ATM
CARD we have issued to you. You agree that the uses of the ATM CARD described
in this Agreement shall be subject to the rules and regulations of each account
which is accessed by such Card.
2. USE OF PERSONAL IDENTIFICATION NUMBER ("PIN")WITH ATM CARD
You understand that a STAR SYSTEMS or a PLUS SYSTEM ATM is an automated
teller. It can and will perform many of the same tasks as a human teller. You
acknowledge that the Personal Identification Number or PIN which you use with the
ATM CARD is your signature, identifies the bearer of the Card to the STAR
SYSTEMS ATM, PLUS SYSTEM ATM, or other network ATM and authenticates and
validates the directions given just as your actual signature and other proof identify
de enses (other than tort )arising out of goods and services you purchase with
th card only if you have ma e a good faith attempt, but have been unable to obtain
sa isfaction from the plan merchant, and (a) your purchase was made in response to
an advertisement we sent or participated in sending you, or (b) your purchase cost
m re than $50 and was made from a plan merchant in your state or within 100 miles
of our home. Any other disputes you must resolve directly with the plan merchant.
13 SECURITY INTEREST - To secure your account, you grant us a purchase
m ney security interest under the Uniform Commercial Code in any goods you
pu chase through the account. If you default, we will have the right to recover any of
th se goods which we have not been paid for through our application of your
pa ments in the manner described in the Monthly Payment section. With respect to
thi account only, we will not assert any statutory right we may have if you are in
de ault to prevent withdrawal of your unpledged credit union shares (Deposits)
be ow the unpaid balance of your account. However, if you give or have given us a
sp cific pledge of your credit union shares (Deposits) by signing the Pledge of
Sh res or otherwise, or any other security interests for all your debts, your account
wil be secured by your pledged shares (Deposits) and by the property described in
th se other security agreements, except for your home.
14 EFFECT OF AGREEMENT -This Agreement is the contract which applies to
all transactions on your account even though the sales, cash advance, credit or
of er slips you sign or receive may contain different terms. We may amend the
Ag Bement from time to time by sending you the advance written notice required by
la .Your use of the card thereafter will indicate your agreement to the amendments.
To the extent the law permits, and we indicate in our notice, amendments will apply
to our existing account balance as well as to future transactions.
15 LATE PAYMENT CHARGE - If your Minimum Payment is not paid within 15
da s after the Payment Due Date, you will be subject to a single charge of 5% of the
mi imum scheduled payment.
16 RUSH FEES -You may incur additional charges for rush processing and rush
de iverv of cards and/or PIN mailer.
17 DRAFT COPIES -You may incur an additional charge for transaction
su mary/sale draft documentation.
18 COPY RECEIVED -You acknowledge receipt of a copy of this Agreement.
19 ILLEGALTRANSACTIONS PROHIBITED -You agree that you will not use your
ca d for any transaction that is illegal under applicable federal, state, or local law.
20 NO USE -Inactive Visa accounts that have no purchase or cash activity may
be closed without notice to you after 18 months of no activity.
21 NEURAL NETWORK -PSECU uses neural network systems to predict and
pr vent unauthorized transactions. There may be occasions when a transaction is
de lined because it is indicative of possible fraudulent activity.
yo and authenticate and validate your directions to a human teller. You also
un erstand that a Merchant which accepts the ATM CARD for a Purchase
tra saction may have an electronic terminal (Merchant operated or Self-Service)
whch requires the use of your PIN and when your PIN is used at a Merchant's
ter final, it will authenticate and validate the directions given just as your actual
sig ature will authenticate and validate your directions given to us. You acknowledge
th t your PIN is an identification code that is personal and confidential and that the
us of the PIN with the ATM CARD is a security devise for your account(s).
Th refore, YOU AGREE TO TAKE ALL REASONABLE PRECAUTIONS THAT NO
O E ELSE LEARNS YOUR PIN.
3. LIABILITY FOR UNAUTHORIZED TRANSACTIONS -You agree to contact us
at nce if you believe the ATM CARD(s) issued to you or PIN has been lost or stolen
or money is missing from your account(s). You also agree that 'rf your monthly
st ement shows transactions which you did not make, and you do not contact us
wit in 60 days after the statement was mailed to you, you may not get any money
los after that time. YOU AGREE THAT IF YOU GIVE YOUR ATM CARD(S) and PIN
T SOMEONE ELSE TO USE YOU ARE AUTHORIZING THEM TO ACT ON YOUR
B HALF AND YOU WILL BE RESPONSIBLE FOR ANY USE OF THE CARD(s) BY
THEM. You could lose all your money in the account(s) if you take no action to notify
P ECU of the loss of your ATM CARD or PIN. Safeguard your Personal
Id ntification Number (PIN). Do not tell or disclose your PIN to any other person. Do
no write your PIN on your ATM CARD. Do not keep a written record of your PIN near
yo r ATM CARD. Do not choose a PIN that is easily identifiable.
A ew card may be ordered for you at that time and a "hold" will be placed on your
of card. After such time, if you find your old card, destroy the old card by cutting it
in alf, If you attempt to use your old card, it will not work.
4. CHARGES -You agree to pay a 50 cent charge for each deposit or withdrawal
ex eeding 15 a month. You agree to pay the 50 cent penalty charge on any cash
dis ursement transaction (loan advance or share withdrawal) that is less than $20.
Yo agree to pay a 25 cent charge on each balance inquiry. You may incur a charge
for any adjustment that needs to be made to your account resulting from an error
yo made while making a deposit at an Automated Teller machine (ATM). You agree
to ay the charges or transaction fees which are charged by us for these services
or or services which may later be offered as such fees or charges may be imposed
or hanged from time to time.
5. DEPOSITS -You agree that when you make a deposit at a STAR SYSTEMS
AT that we have the right to verify the deposit before we make the money available
to ou. If you deliver cash, checks or other items to a STAR SYSTEMS ATM, you
un erstand and acknowledge that the funds from your deposit may not be available
for immediate withdrawal and that the availability of your deposit shall depend on our
rul s and regulations regarding the particular account in which you are making a
Ele ironic Funds Transfer ATM A reement a d lotion "E" Disclosure
(confinued)
deposit, the items that you are depositing and whether the deposit is made at a
STAR SYSTEMS ATM that is owned by us or another financial institution. You also
understand and acknowledge that not all STAR SYSTEMS ATMS may accept
deposits and some STAR SYSTEMS ATMS may limit the amount of funds which
may be deposited and that we may not control these limits.
6. LIABILITY -, If the ATM CARD is issued for a joint account, you agree to be
jointly and severally liable under the terms of this Agreement and the agreement for
such account. You agree that if you make deposits or payments to your account(s)
with items other than cash (checks, drafts or other items) and we make funds
available to you from such deposits prior to their collection, you agree that we may
deduct the amounts of such funds from your account(s) which are not collected or,
if the funds in your account(s) are insufficient at such time, you will promptly pay to
us any amount of such funds which°are not collected.
7. AMENDMENT OF THIS AGREEMENT -You agree that from time to time we
may amend or change the terms of this agreement including amendments or
changes to add further ATM CARD services or to amend or change the charges for
these services. We may do so by notifying you in writing of such amendments or
changes and your use of the ATM CARD after the effective date of any such
amendment or change shall constitute your acceptance of and agreement to such
amendment or change.
8. OWNERSHIP -You agree that the ATM CARD is our property and you will
surrender it to us upon our request. You agree that the ATM CARD is non-
transferable.
9. DISCLOSURES -You hereby acknowledge receipt of the disclosure statement
informing you of your rights under the Electronic Funds Transfer Act and a copy of
this Agreement.
REGULATION "E" DISCLOSURE
1. ELECTRONIC CHECK CONVERSION/ELECTRONIC RETURNED CHECK
FEES - If you pay for something with a check or share draft, you may authorize it
to be converted to an electronic fund transfer. You may also authorize merchants to
electronically debit your account for returned check fees. You are considered to have
authorized these electronic funds transfers if you complete the transaction after
being told (orally or by a notice posted or sent to you) that the transfer may be
processed electronically or if you sign a written authorization.
2. SUMMARY OF EQNSUMER LIABILITY -
• ATM, ACH ancJ SST -Tell us at once if you believe your card has been lost
or stolen. Telephoning is the best way to keep your possible losses down. You could
lose all the money in your account plus your maximum overdraft line of credit. If you
believe your card has been lost or stolen, and you tell us within two business days
after you learn of the loss or theft, you can lose no more than $50 if someone used
your card without your permission.
If you do not tell us within two business days after you learn of the Toss or theft of
your card, and we can prove we could have stopped someone from using your card
without your permission if you had told us, you could lose as much as $500.
Also, if your statement shows transfers that you did not make, tell us at once. If
you do not tell us within 60 days after the statement was mailed to you, you may
not get back any money you lost after the 60 days if we can prove that we could
have stopped someone from taking the money if you had told us in time.
If a goad reason such as a long trip or a hospital stay kept you from telling us, we
will extend the time periods.
3. TELEPHONE NUMBER AND ADDRESS TO NOTIFY OF UNAUTHORIZED
TRANSFERS -
• ATM -Contact PSECU at (800) 237-7328 EXT 3808 (nationwide) or (717)
234-8484 (in Harrisburg). After hours, follow the menu options on PSECU's
voice mail system to report a lost or stolen card. For V/SA Credit or Debit
Cards, follow the directions for Lost Card Notification under the VISA Credit
Card Agreement and Tiuth-in-Lending Disclosures section of this document.
• ACH and SST -Contact PSECU at (800) 237-7328 (nationwide) or (717)
234-8484 (in Harrisburg).
Or write to us at:
Pennsylvania State Employees Credit Union
P.O. Box 67013
Harrisburg, PA 1 7 1 06-701 3
PSECU Business Hours:
8:00 a.m. - 5:00 p.m. M - F
TDD (800) 472-1967 Nationwide
(717) 777-2100 in Harrisburg
4. FINANCIAL INSTITUTION'S BUSINESS DAYS -
• ATM, ACH and SST - PSECU's Business Days are Monday through Friday,
Holidays not included.
5. TYPES OF ELECTRONIC TRANSFERS A CONSUMER MAY MAKE -
• ATM -Balance inquiries on checking, savings and PSL; withdrawals from
checking/savings; cash advance from PSL; deposits to checking/savings;
purchase goods and services at any accepting retail establishment.
• ACH - Preauthorized debits and credits to checking and savings.
• SST -Balance inquiries and transaction histories on all share, certificate and
loan accounts; transfers from any share to another share or loan account from
your PSL to any shai~loan account; withdrawals from any share except
IRA shares or certifica
6 ANY CHARGES FOR ELECTRONIC FUNDS TRANSFERS OR FOR THE
R GHT TO MAKE TRANSFERS -
• ATM -Fifty cents for each disbursement (cash advance or withdrawal) less
than $20; fifty cents for each transaction over 15 per month; 25 cent for each
balance inquiry; and there may be an additional charge for any adjustment
that needs to be made to the account of any member who makes an error
while depositing at an Automated Teller machine (ATM).
• ACH - $20 service charge for insufficient funds for each electronic transfer.
• SST -none
7 SUMMARY OF CONSUMER'S RIGHT TO RECEIVE DOCUMENTATION OF
E 'S -
!A.;
• ATM -You are entitled to receive a printed receipt at the time of each
transaction. You will receive a monthly statement showing the status of your
account, any transactions made during the month, and any penalties or
charges PSECU may impose during the month.
• ACH and SST -You will receive a monthly statement showing the status of
your account, any transactions made during the month, and any penalties or
charges PSECU may impose during the month.
• If you have arranged to have a direct deposit made to your account at least
once every 60 days from the same person or company, you can call us at
(800) 237-7328 to find out whether or not the deposit has been made.
8 STOP PAYMENT RIGHTS -PRE-AUTHORIZED TRANSFERS -
• ATM and SST -Not applicable.
• ACH -Right to Stop Payment and Procedures for doing so. If you have told
us in advance to make regular payments out of your account, you can stop
any of these payments. Here's how: Call us at (800) 237-7328 (Nationwide)
or (717) 234-8484 (Harrisburg) or write us at: Pennsylvania State Employees
Credit Union, P.O. Box 67013, Harrisburg, PA 17106-7013, in time for us to
receive your request three business days or more before the payment is
scheduled to be made. If you call, we may also require you to put your request
in writing and get it to us within 14 days after you call.
• Notice of Varying Amounts. If these regular payments may vary in amount,
the person you are going to pay will tell you, 10 days before each payment,
when it will be made and how much it will be. You may choose instead to get
this notice only when the payment would differ by more than a certain amount
from the previous payment, or when the amount would fall outside certain
limits that you set.
• Liability for Failure to Stop Payment of Preauthorized Transfers. If you
order us to stop one of these payments three business days or more before
the transfer is scheduled, and we do not do so, we will be liable for your losses
or damages, unless we request and do not receive written confirmation of an
oral stop payment within 14 days and the transfer takes place after 14 days,
or you fail to give us proper instructions that would enable us to place the stop
on the transfer.
9 SUMMARY OF THE FINANCIAL INSTITUTION'S FAILURE TO MAKE OR
S OP CERTAIN TRANSFERS -
• ATM - If PSECU fails to complete a transaction on time or in the correct
amount, when properly instructed by you, PSECU will be liable for damages
caused by our failure unless: (1) there are insufficient funds in your account to
complete the transfer; (2) the funds in your account are uncollected; (3) the
funds are subject to legal process; (4) the transaction you request would exceed
the funds in your account plus any available overdraft protection; (5) the STAR
Systems, PLUS system has insufficient cash to complete the transaction; (6)
your card has been reported lost or stolen and you are using the reported card;
(7) PSECU has reason to believe that the transaction requested is
unauthorized; (8) the failure is due to an equipment breakdown that you know
about when you started the transaction at the STAR Systems, PLUS System;
(9) the failure was caused by an act of God, fire, or other catastrophe, or by any
other cause beyond control; (10) if you attempt to complete a transaction that,
at a STAR Systems, PLUS System, or merchant terminal that is not a
permissible transaction listed above; or, (11) the transaction would exceed the
security limitations on the use of your ATM CARD.
• ACH and SST - If PSECU fails to complete a transaction on time or in the
correct amount, when properly instructed by you, PSECU will be liable for
damages caused by our failure unless: (1) there are insufficient funds in your
account to complete the transfer; (2) the funds in your account are
uncollected; (3) the funds are subject to legal process; (4) the transaction you
request would exceed the funds in your account plus any available overdraft
credit; (5) PSECU has reason to believe that the transaction requested is
unauthorized; (6) the failure was caused by an act of God, fire, or other
catastrophe, or by another cause beyond control. In any case, PSECU shall
be liable only for actual proven and not consequential damages if the failure
to make the transaction resulted from a bona fide error despite PSECU's
procedures to avoid such errors.
1 .DISCLOSURE TO THIRD PARTIES -
• ATM, ACH and SST -PSECU will disclose information about your account to
third parties: (1) when it is necessary to complete transactions; (2) to verify
the existence and standing of your account with PSECU upon request of third
party, such as a credit bureau; (3) to comply with government agency or court
Electronic Funds Transfer. ATM Agreement a~aulation "E" Disclosure
(continued)
orders; (4) in accordance with your written permission; (5) to comply with
government or administrative agency summonses, subpoenas, or court
orders; (6) on receipt of certification from a Federal Agency or department
that a request for information is in compliance with the Right to Financial
Privacy Act of 1978; Regulation P, Privacy of Consumer Financial Information;
and (7) when it is necessary to take legal action to recover shares.
11. STAR SYSTEMS SERVICES -
• ATM Only -You may use your ATM CARD with your Personal Identification
Number (PIN) at STAR SYSTEMs located in Delaware, Maryland, New
Jersey and Pennsylvania to conduct any of the following transactions for the
accounts accessed by your ATM CARD.
a) Determine the account:' balance(s) of your Checking your Regular
Shares, and your Personal Service Loan (PSL).
b) Withdraw cash from your Checking and your Regular Shares.
c) Make a cash advance from your Personal Service Loan (PSL).
d) Deposit currency, checks, or drafts (coins are not acceptable) for
transmission to PSECU for deposit in your Checking and your Regular
Shares.
NOTE; There are limited locations in Maryland where deposits may be made.
We wish to inform you that some ATMs located in these areas may only provide
access to your Checking, your Regular Shares, and your Personal Service Loan.
Not all ATMs may accept deposits. There may also be limits on the amount of
funds which you may deposit in certain ATMs.
12. PLUS SYSTEM' SERVICES -
• ATM Only -You may use your ATM CARD with your Personal Identification
Number (PIN) at any PLUS SYSTEM automated teller machine
(PLUS SYSTEM ATM) located throughout the United States, Puerto Rico,
Canada, Great Britain and Japan to conduct any of the following transactions on
the accounts accessed by your ATM CARD.
a) Determine the account Balance(s) of your Checking, your Regular
Shares, and your Personal Service Loan (PSL).
b) Withdraw cash from your Checking and your Regular Shares.
c) Make a cash advance from your Personal Service Loan (PSL).
NOTE: Deposits are not available through PLUS SYSTEM ATMs.
These are the STAR SYSTEMs services currently available through the PLUS
SYSTEM network. Other services may be offered in the future.
13.OTHER ATM NETWORK ACCESS -
• ATM Only -From time to time, PSECU may make arrangements with other
ATM networks to grant access to ATM CARDS. PSECU shall inform you when
such arrangements are made and describe the services that are available to
you. Any charges will also be described.
14. PURCHASE TRANSACTIONS -
• ATM Only -You may use the ATM CARD to purchase goods and services
("Purchase") at any retail establishment ("Merchant") where ATM CARDS are
accepted by such Merchant. The amount of all such Purchases will be
deducted from your Checking. When you make a Purchase using the ATM
CARD, you will be requesting PSECU to withdraw funds from your Checking
in the amount of the Purchase and directing PSECU to pay these funds to
such Merchant.
15. LIMITATIONS ON THE USE OF YOUR ATM CARD -
• ATM Only -You may withdraw up to $500 per day from one or a combination
of your accounts by using a ATM CARD provided the funds are available at a
STAR SYSTEMs or PLUS SYSTEM ATM. In addition, you may
withdraw/purchase up to $500 at point of sale locations. PSECU reserves the
right to reduce this daily limit at any time. In the event that your daily limit is
less than $500, PSECU will advise you of the new limitation. The day for
withdrawal limits starts at 12 midnight each day and ends at 12 midnight the
next day. For security purposes, there are also certain daily limitations on the
frequency of use of the ATM CARD. However, these limitations are not
revealed for security reasons. The Pennsylvania State Employees Credit
Union is not obliged to maintain such limitations.
You will be denied use of your ATM CARD if you exceed the daily
withdrawal/purchase limit, if you do not have adequate funds available in your
account, do not en~e correct Personal Identification Number (PIN), or
exceed the frequency of usage limitation. The receipt provided by the STAR
SYSTEMs or PLUS SYSTEM ATM or Merchant terminal will notify you of the
denial. There is a limit on the number of such denials permitted. Attempts to
exceed the limit will result in machine retention of our ATM CARD. The number
of attempts that result in machine retention is not revealed for security purposes.
. ERROR RESOLUTION PROCEDURES -
• ATM, ACH and SST - In case of errors or questions about your transactions:
Direct inquiries to PSECU at (800) 237-7328 Nationwide, TDD (800) 472-
1967 Nationwide, (717) 777-2100 in Harrisburg, or write PSECU at:
Pennsylvania State Employees Credit Union, P.O. Box 67013, Harrisburg, PA
17106-7013, as soon as you can 'rf you think your statement or receipt is
wrong, or if you need more information about a transaction listed on the
statement or receipt. PSECU must hear from you no later than 60 days after
R sent you the first statement on which the problem or error appeared. You
must provide the following information: (a) Your name, account number, and
ATM CARD number (if a ATM transaction), or reference number (if Self-
Service Telephone Transaction); (b) Describe the error or the transaction you
are unsure about, and explain as clearly as you can why you believe it is an
error or why you need the information, and; (c) The dollar amount of the
suspected error.
If you tell PSECU orally, you must send your complaint or question in writing
within 10 business days. PSECU will tell you the results of the investigation
within 10 business days for STAR SYSTEMS, PLUS SYSTEM, SELF-
SERVICE TELEPHONE, or DIRECT DEBIT/CREDIT TRANSACTIONS, or 20
days for STAR SYSTEMS purchase transactions. If we need more time,
however, we may take up to 45 days for STAR SYSTEMS, PLUS SYSTEM,
SELF-SERVICE TELEPHONE, or DIRECT DEBIT/CREDITTRANSACTIONS or
90 days for STAR SYSTEMS purchase transactions. If PSECU decides to do
this, it will recredit your account within 10 business days for the amount you think
is in errorrf it is a STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE
TELEPHONE, or DIRECT DEBIT/CREDIT transaction, or 20 business days if it
is a STAR SYSTEMS purchase transaction: You will have the use of the money
during the time it takes to complete the investigation. If PSECU does not receive
your complaint or question in writing within 10 business days, PSECU may not
recredit your account. If PSECU decides there is no error, you will be advised
within three business days after the investigation is completed. You may ask for
copies of the documents PSECU used in the investigation. If PSECU credits
your account while investigating, you must repay those funds if PSECU
concludes no error has occurred.
ATM SURCHARGE - If you use an ATM that is not operated by us, you may be
rged a fee by the ATM operator and by any national, regional or local network
d in processing the transaction (and you may be charged a fee for a balance
airy even if you do not complete a fund transfer). The ATM surcharge will be
sited from your account if you elect to complete the transaction.
:Ice To Consumers Using ATM's
• Be alert to your surroundings. If you doubt the safety of a particular location,
choose another ATM.
• If the ATM has an entry door, close the door prior to initiating your transaction.
• Put your cash away immediately.
• Direct complaints concerning ATM security to an appropriate department of
the owner of the ATM. New Jersey residents: you may call the New Jersey
Department of Banking at (609) 292-7272.
r those members who purchase a vehicle under the
IIV Program, please review the following FTC Notice:
NOTICE
NY HOLDER OFTHIS CONSUMER CREDIT CONTRACT
i SUBJECT TO ALL CLAIMS AND DEFENSES WHICH
HE DEBTOR COULD ASSERT AGAINST THE SELLER
F GOODS OR SERVICES OBTAINED WITH THE
ROCEEDS HEREOF. RECOVERY HEREUNDER BY THE
EBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE
EBTOR HEREUNDER.
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SIGNATURE LOAN
A.TION NOTICE
March S,
Applicant
Information: SS #: 165-66-8792
Ref #: 372268 29S
Approval Amount: $5,000.00
Account Number: 8202519024
A plicant: CLYDE D MILLER
W rk Telephone #: {717) 245-2314
H me Telephone #: (717} 241-6003
Signature: -I aelmowledge receipt of the PSECU LC .'I.1'NEP. Disclosure and Credit A~reen~eirt and
agree to be bound by the terms set forth in said agreement.
Sign a of CLYDE D MII.LER Date
SIGNATURE LOAN OPTIONS
Purpose: ~~,~ ~ '
Please select once of the following Signature Loan disburser
Send a ^ check, or .la' deposit to my Share 4 (Moi
Please select one of the following Signature Loan repaymer
^ Payroll Deduction ^ Automatic Transfer
^ Self Service Telephone ^ Coupon
options:
Shares)
t options:
^ Direct Payment
~Homebanking
6~ ~a ~~a ~~ ~~~c~ ~mz
~~l~~~noo ~~r~~
n~~Sd
~:r.
NED
EXHIBIT "F"
Pennsylva~a State Ei
P.O. Box 67013 • Harrisburg, PA 17106-7013 •
fhe financial linkTM Loan Di:
This LOANLINER~ Credit and Security Agreement, which includes the Truth in
Lending Disclosures, will be referred to as the Plan. The Plan documents include
this Agreement and an Addendum. You, your and borrower mean any person who
signs the Plan. Credit Union, we, our and us mean PSECU or anyone to whom the
Credit Union transfers its rights under the Plan.
1. HOW THIS PLAN WORKS -This is an open-end, multi-featured credit plan. We
anticipate that, from time to time, you will borrow money {called "advances") under
the Plan. We are not required to make advances to you under the Plan and can
refuse a request for an advance at any time. The Addendum describes the
different types of credit (called "subaccounts") available under the Plan, the current
interest rate for each subaccount expressed as a daily periodic rate and
corresponding annual percentage rate and other charges. It may also have other
terms and a schedule for determining the payment amounts.
2. CREDIT LIMIT - We may, but do not have to, establish a credit limit on certain
subaccounts. If a credit limit is set for a subaccount, you promise not to exceed the
established credit limit. If you exceed the credit limit, you promise to repay
immediately the amount which exceeds the credit limit.
3. REPAYMENT -You promise to repay all amounts you owe under the Plan plus
interest. Payments are due on the last day of the month unless we set a different date
at the time of an advance. if the Addendum has no payment schedule for a
subaccount, your payment 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 repay all or part of what
you owe at any time without any prepayment penalty. Even if you prepay, you will still
be required to make the regularly scheduled payments unless we agree in writing to
a change in the payment schedule. If you have a joint share draft account, you will be
responsible for paying all overdraft advances obtained by a joint holder of the share
draft account. Payments will be applied in the order the Credit Union chooses.
4. PLAN ACCESS:-You can obtain credit advances in any manner authorized by
us. If we allow you to~t3se your ATM/Debit card to access the Plan, you may be liable
for the unauthorized use of your ATM/Debit card. You will not be liable for
unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft,
or possible unauthorized use. If you believe your ATM/Debit card has been lost or
stolen, immediately inform the Credit Union by calling or writing us at the telephone
number or address that appears elsewhere in the Plan. If the card is used to obtain
advances directly from the Plan, your liability will not exceed $50. If the unauthorized
withdrawal is from a share draft account, your liability is governed by the Regulation
E disclosures you received at the time you received your ATM/Debit card, even if the
withdrawal results in an advance being made from your overdraft subaccount.
5. FINANCE CHARGE -The dollar amount you pay for money borrowed is called
a "finance charge" and begins on the date of each advance. A finance charge will be
computed separately for each separate balance under the Plan. To compute the
finance charge, the unpaid balance for each day since your last payment (or since
an advance if you have not yet made a payment) is multiplied by the applicable daily
periodic rate. The sum of these amounts is the finance charge owed. The balance
used to compute the finance charge is the unpaid balance each day after payments
and credits to that balance have been subtracted and any additions to the balance
have been made. In addition to interest, we may charge other finance charges which
are disclosed on the Addendum. If the interest rate is a variable interest rate, the
Addendum explains how the variable interest rate works.
6. SECURITY -You pledge as security for the Plan ail shares and dividends and,
if any, all deposits and interest in all joint and individual accounts you have with us
now and in the future. If a specific dollar amount is pledged for an advance, we will
freeze shares in that account to the extent of the outstanding balance for the
advance. Othervvise, your pledged shares may be withdrawn unless you are in
default. The following paragraph applies in all states except in Ohio, Rhode
Island and Massachusetts: We have a statutory lien on the shares and dividends
and, if any, the deposits and interest in ail individual and joint accounts you have with
us and may exercise our rights under the lien to the extent permitted by state law.
(We are state chartered if our name does not include the term °Federal Credit
Union °) For ali borrowers: The statutory lien and/or your pledge will allow us
to apply the funds in your account(s) to what you owe when you are in default.
The statutory lien and your pledge do not apply to any Individual Retirement
Account or any other account that would lose special tax treatment under state or
federal law if given as security.
Additional security for the Plan may be required at the time of an advance. If a
subaccount identifies a type of property (such as "New Cars") you must give that
type of property as security when you get an advance under that subaccount. A
subaccount name such as "Other Secured" means you must provide security
acceptable to us when you obtain an advance under that subaccount. Property you
give as security will secure all amounts owed under the Plan and all other loans you
have with us now or in the future, except any loan secured by your principal dwelling.
Property securing other loans you have with us may also secure the Plan.
7. PROPERTY INSURANCE, TAXES AND FEES -You must maintain property
insurance on all property that you give as security under the PIan.You may purchase
®CUNA MUTUAL GROUP, 1980, 82, 84, 86, 89, 98, 99, 2000, 01, 02, 03, ALL RIGHTS RESERVED ~~
7) 234-8484 Harrisburg, (800) 237-7328 Nationwide
osures
th property insurance from anyone you choose who is acceptable to the Credit
U ion. The amount and coverage of the property insurance must be acceptable to
u .You may provide the property insurance through a policy you already have, or
th ough _a policy you get_;and pay for. You promise to make the insurance policy
p able to us and to delive~:;the policy or proof of coverage to us if asked to do so.
If ou cancel your insurance and get a refund, we have a right to the refund. If the
pr perty is lost or damaged, we can use the insurance settlement to repair the
pr perty or apply it towards what you owe. You authorize us to endorse any draft or
ch ck which may be payable to you in order for us to collect any refund or benefits
d e under your insurance policy. You also promise to pay all taxes and fees (like
re istration fees) due on the property.
If ou do not pay the taxes or fees on the property when due or keep it insured, we
m y pay these obligations, but we are not required to do so. Any money we spend
fo taxes, fees or insurance will be added to the unpaid balance of the advance and
yo will pay interest on those amounts at the same rate you agreed to pay on the
a once. We may receive payments in cronnection with the insurance from a
co pony which provides the insurance. We may monitor our loans for the purpose
of determining whether you and other borrowers have complied with the insurance
re uirements of its loan agreements or may engage others to do so. The insurance
ch rged added to your advance may include (i) the insurance company's payments
to us and (2) the cost of determining compliance with the insurance requirements. If
w add amounts for taxes, fees or insurance to the unpaid balance of your advance,
w may increase your payments to pay the amount added within the term of the
in urance or approximate term of the advance.
8. NOTICE - If you do not purchase the required property insurance, the insurance
w may purchase and charge you for will cover only our interest in the property. The
in urance will not be liability insurance and will not satisfy any state financial
re ponsibllity or no fault laws.
9. CREDIT INSURANCE -Credit life and/or credit disability insurance is optional
u er the Plan. If you qualify for and purchase the insurance from us, you authorize
us to add the insurance premiums monthly to your loan balance and charge you
int rest on the entire balance. If you elect credit insurance, your payments may
in rease for the period of time necessary to repay your advance may be extended
b and the approximate term stated on the Addendum. The credit insurance rates
m y change during the Plan. If the rates change, we will provide any notices
re wired by applicable law.
1 PERIODIC STATEMENT - On a regular basis you will receive a statement
sh wing all transactions under the Plan during the period covered by the statement.
St tements and notices will be sent to you at the most recent address you have
gi en us in writing. Unless applicable law requires notice to each joint borrower,
no ice to any one of you will be notice to all.
11 JOINT ACCOUNTS - If this is a joint account, each of you is individually and
joi tly responsible far paying all amounts owed. That means we can enforce our rights
un er the Plan against any one of you individually or against all of you together. If you
gi a us inconsistent instructions, we can refuse to follow your instructions. Unless our
wr tten policy requires all of you to sign for an advance, each of you authorizes the
of er(s) to obtain advances individually and agrees to repay advances made to the
of er(s). Any joint accountholder may terminate the Plan by giving us prior written
no ice. If any of you terminate the Plan, the Plan is terminated for all of you.You remain
lia le individually and jointly for all advances incurred before termination.
12 FEES AND CHARGES - If you give us a security interest in certain types of
pr perty, we may charge you a filing fee to perfect our interest in the property. If so, the
a ount of the fee will be disclosed to you at the time you obtain an advance. We may
ai o charge you other fees in connection with the Plan. Those fees are disclosed on the
A endum and will be added to your loan balance unless you pay them in cash.
13 UPDATING CREDIT INFORMATION -You promise that you will promptly give
us written notice if you move, change your name or employment, or if any other
inf rmation you provided to us changes. Upon our request you also agree to provide
us updated financial information.
14 DEFAULT -The following paragraph applies to borrowers in Idaho,
K nsas, Malne and South Carolina: You will be in default if you do not make a
pa ment of the amount required when it is due. You will also be in default if we
be ieve the prospect of payment, performance, or realization on any property given
as security is significantly impaired.
T e following paragraph applies only to borrowers in Wisconsin: You will be in
de ault if you fail to make a payment when due two times during any 12-month
pe iod.You will be in default if breaking any promise made under the Plan materially
im airs your ability to repay what you owe or materially impairs the condition, value,
or protection of or our right in any property you gave as security.
T e following paragraph applies only to borrowers In Iowa: You will be in default
if ou are more than 10 days tale in making a payment. You will also be in default if
yo do not comply with the terms of the Plan and your failure to comply materially
im airs any property you gave as security of your ability to repay what you owe
un er the Plan.
PSECU FORM #3146
JBXX0601-1 037.2092-1 (1/03)
LOANLINER° Credit and Security Credit Aoree~(continued)
The following'paragraph applies to borrowers in all other states: 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 the Plan or if anyone is in
default under any security agreement made in connection with an advance under
the 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 we believe may substantially reduce your
ability to repay what you owe. You will also be in default under the Plan if you are in
default under any other loan agreement with us.
15. ACTIONS AFTER DEFAULT -The following paragraph applies to
borrowers in Colorado, District of Columbia, Iowa, Kansas, Maine,
Massachusetts, Missouri, Nebraska, West Virginia and South Carolina: When
you are in default and after expiration of any right you have under applicable state
law to cure your default, we can demand immediate payment of the entire unpaid
balance under the Plan without giving you advance notice.
The following paragraph applies to borrowers !n all other states except,
Wisconsin and Louisiana: When you are in default, we can require immediate
payment (acceleration) of the entire unpaid balance under the Plan. You waive any
right you have to demand for payment, notice of intent to accelerate and notice of
acceleration.
The following paragraphs apply to borrowers in all states except, Wisconsin
and Louisiana: If immediate payment is demanded, you will continue to pay interest
until what you owe has been repaid, at the applicable interest rates in effect unless
a default rate is disclosed on the Addendum. If a demand for immediate payment
has been made, the shares and deposits given as security for the Plan can be
applied toward what you owe. We can also exercise any other rights given by law
when you are in default.
You agree the Credit Union has the right to take possession of any property given
as security for an advance under the Plan without judicial process if this can be done
without breach of the peace. If we ask, you promise to deliver the property at a time
and place we choose. We will not be responsible for any other property, not covered
by this Agreement, that you leave inside the property or that is attached to the
property. We will try to return that property to you or make it available to you to claim.
After we have possession of the property, we can sell it and apply the money to any
amounts you owe us. We will give you notice of any public sale or the date after
which a private sale will be held. Our expenses 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 the Bankruptcy Code. The
rest of the sale money will be applied to what you owe under the Plan.
You will also have to pay any amount that remains unpaid after the sale money has
been applied to any unpaid balance under the PIan.You agree to pay interest on that
amount at the same rate as the advance, or, if applicable, at the default rate
disclosed on the Addendum, until that amount has been paid.
The following paragraph applies only to Wisconsin borrowers: When you are in
default and after expiration of any right you have under applicable state law to cure
your default, we may require immediate payment of your outstanding loan balance
under the Plan and seek possession of the property given as security. You may
voluntarily give the property to us if you choose, or we may seek to take possession
of the property by judicial process. If we repossess the property, you agree to pay
reasonable expenses incurred in disposing of the property. If the property is a motor
vehicle, mobile home, trailer, snowmobile, boat or aircraft, you will also be required
to pay any costs permitted by Section 422.413 of the Wisconsin Statutes.
The following paragraph applies only !o Louisiana borrowers: When you are in
default, we can require immediate payment (acceleration) of the entire unpaid
balance under the PIan.You waive any right you have to demand for payment, notice
of intent to accelerate and notice of acceleration. if immediate payment is
demanded, you will continue to pay interest until what you owe has been repaid at
the applicable interest rates in effect unless a default rate is disclosed on the
Addendum. If a demand for immediate payment has been made, the shares and
deposits given as security for the Plan can be applied toward what you owe. We can
also exercise any other rights given by law when you are in default and our rights
under any security agreements you have with us.
16. CANCELLING OR CHANGING THE PLAN -The following paragraph
applies only to borrowers In Illinois: We have the right to change the terms of the
Plan from time to time after giving you any advance notice required by law. Any
change to the interest rate or other charges will apply to future advances.
The fogowing paragraphs apply only to borrowers !n Wisconsin: We can
change the terms of the Plan from time to time in accordance with Section 422.415
of the Wisconsin Statutes. You will be notified of any change in terms. An increase
in the daily periodic rate under a variable rate interest rate is not considered a
change in terms under the Plan.
We can cancel the entire Plan or any part of the Plan at any time. You may cancel
the Plan at any time by giving us prior written notice. Your obligation to pay the
unpaid balances under the terms of the Plan continues whether you or the credit
union cancel the Plan, except to the extent that your liability is limited by Section
422.4155 of the Wisconsin Statutes.
The following paragraph applies only to borrowers in lows: We can change the
terms of the Plan from time to time after giving you any advance notice required by
law. A change that increases the rate of finance charge or other charge, that
increases the amount of your payments, or that otherwise adversely affects existing
~nces will apply to e>2~ balances only if you agree to the change or you use
Plan after receiving notice that your use of the Plan means you agree the
age applies to existing balances.
Th following paragraph applies to borrowers In all other states: We have the
rig t to change the terms of the Plan from time to time after giving you any advance
no ce required by law. Any change in the interest rate will apply to future advances,
an at our discretion, and subject to any requirements of applicable law, will also
ap ly to unpaid balances.
Th following paragraph applies to all borrowers other than Wisconsin
bo rowers: An increase in the daily periodic rate under a variable interest rate is not
co sidered a change in terms under the Plan. We can cancel the entire Plan or any
pa t of the Plan at any time. You can cancel the Pfan at any time. Your obligation to
pa the unpaid balances~uoder the terms of the Plan continues whether you or the
Cr dit Union cancel the Plan:-
17 DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN - We can
del y enforcing any of our rights under this Plan any number of times without losing
th ability to exercise our rights later. We can enforce this Plan against your heirs or
leg I representatives. If we change the terms of the Plan, you agree that this Plan
wil continue to protect us.
18 CONTINUED EFFECTIVENESS - If any part of this Plan is determined by a
co rt to be unenforceable, the rest will remain in effect.
NOTICE TO UTAH BORROWERS -This written agreement is a final
ression of the agreement between you and the Credit Union. This written
eement may not be contradicted by evidence of any oral agreement.
20 THE SECURITY FOR THE LOAN -You give us what is known as a security
int rest in all property described in any receipt, voucher or other document you
re eive for an Advance ('Yhe Advance").The security interest you give includes all
ac essions. Accessions are things which are attached to or installed in the
pr perty 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,
re ewals or refinancing of the Advance. It also includes any money you receive
fro selling the property or from insurance you have on the property. If the value
of he property declines, you promise to give us more property as security if asked
to o so.
21 WHAT THE SECURITY INTEREST COVERS -The security interest secures
th Advance described in the receipt, voucher or any other document you receive at
th time of the Advance and any extensions, renewals or refinancings of the
Ad once. It also secures any other advances you have now or receive in the future
un er the Plan and any other amounts or loans, including any credit card loan, you
o us for any reason now or in the future, except any loan secured by your principal
re idence. If the property is household goods as defined by the Federal Trade
C mission Credit Practices Rule, the property will secure only the Advance and
no other amounts you owe.
22 OWNERSHIP OFTHE PROPERTY -You promise that you own the property or
if t e Advance is to buy the property, you promise you will use the Advance for that
pu pose. You promise that no one else has any interest in or claim against the
pr perty that you have not already told us about. You promise not to sell or lease the
pr perty or to use it as security for a loan with another creditor until the Advance is
re aid. You promise you will allow no other security interest or lien to attach to the
pr perty either by your actions or by operation of law.
23 PROTECTING THE SECURITY INTEREST - If your state issues a title for the
pr perty, you promise to have our security interest shown on the title. We may have
to ile what is called a financing statement to protect our security interest from the
cl ims of others. If asked to do so, you promise to sign a financing statement. You
al o promise to do whatever else we think is necessary to protect our security
int rest in the property. You promise to pay all costs, including but not limited to any
att rney fees, we incur in protecting our security interests and rights in the property,
to he extent permitted by applicable law.
24 USE OF PROPERTY -Until the Advance has been paid off, you promise you
wil : (1) Use the property carefully and keep it in good repair. (2) Obtain our written
pe mission before making major changes to the property or changing the address
w ere the property is kept. (3) Inform us in writing before changing your address. (4)
All w us to inspect the property. (5) Promptly notify us if the property is damaged,
st len or abused. (6) Not use the property for any unlawful purpose.
25 NORTH DAKOTA NOTICE TO BORROWERS PURCHASING A MOTOR
V HICLE -THE MOTOR VEHICLE IN THIS TRANSACTION MAY BE SUBJECT
T REPOSSESSION. IF IT IS REPOSSESSED AND SOLD TO SOMEONE ELSE,
A D ALL AMOUNTS DUE TO THE SECURED PARTY ARE NOT RECEIVED IN
T AT SALE, YOU MAY HAVE TO PAY THE DIFFERENCE.
26 VERMONT NOTICE TO CO-SIGNER -YOUR SIGNATURE ON
T IS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR
R PAYMENT OF THIS LOAN. IF THE BORROWER DOES
N T PAY,THE LENDER HAS A LEGAL RIGHTTO COLLECT
F OM YOU.
NOTICE FOR ARIZONA OWNERS OF PROPERTY - It is unlawful for you to
to return a motor vehicle that is subject to a security interest, within thirty days
rr you have received notice of default. The notice will be mailed to the address
i gave us. It is your responsibility to notify us if your address changes. The
ximum penalty for unlawful failure to return a motor vehicle is one year in prison
Uor a fine of $150,000.
This'notice contains important information about your rights and our responsibilities
under the Fair Credit Billing Act. You are advised to read your monthly statement
and review it for any error discrepancies or unauthorized transactions.
NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR
STATEMENT. If you think your statement is wrong, or if you need more information
about a transaction on your statement, write us on a separate sheet at the address
listed on your statement. You are required to notify us in writing within 60 days
following the date on which we sent your statement wherein the error or problem
first appeared regarding any discrepancy or unauthorized transactions on your
account. Failure to notify us may result in your acceptance of any responsibility for
payment or reimbursement to us for any such error or discrepancy on your account.
Write to us as soon as possible. You can telephone us, but doing so will not
preserve your rights.
In your letter, give us the following information:
Your name and account number.
The dollar amount of the suspected error.
Describe the error and explain, if you can, why you believe there is an error.
If you need more information, describe the item you are not sure about.
If you have authorized us to pay a credit card account automatically from your share
account or checking account, you can stop the payment on any amount you think is
wrong. To stop the payment your letter must reach us three business days before the
automatic payment is scheduled to occur.
YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR
WRITTEN NOTICE - We must acknowledge your letter within 30 days, unless we
have corrected the error by then. Within 90 days, we must either correct the error or
explain why we believe the statement was correct.
In this Agreement, the words you and your means each and all of those who apply
for the card or who signs this Agreement. Card means the VISA Credit Card and any
duplicates and renewals we issue. Account means your VISA Credit Card Line of
Credit account with us. We, us, and ours means this Credit Union.
1. RESPONSIBILITY - If we issue you a card, you agree to repay all debts and the
Finance Charge arising from the use of the card and the card account. For example,
you are responsible for charges made by yourself, your spouse and minor children.
You are also responsible for charges made by anyone else to whom you give the
card, and this responsibility continues until the card is recovered.You cannot disclaim
responsibility by notifying us, but we will close the account for new transactions if you
so request and return all cards.Your obligation to pay the account balance continues
even though an agreement, divorce decree or other court judgment to which we are
not a party may direct you or one of the other persons responsible to pay the account.
2. LOST CARD NOTIFICATION - If you believe the card has been lost or stolen,
you will immediately call the Credit Union at (717) 234-8484 or (800) 237-7328. After
hours call (800) 556-5678.
3. LIABILITY FOR UNAUTHORIZED USE -You agree to notify us immediately,
orally or in writing of the loss, theft or unauthorized use of your Credit Card. You may
be liable for the unauthorized use of your Credit Card. You will not be liable for
unauthorized use that occurs after you notify us of the loss, theft, or possible
unauthorized use. You will have no liability for unauthorized purchases made with
your Credit Card, unless you are grossly negligent in the handling of your Card. In
any case, your liability will not exceed $50.
4. CREDIT LINE - If we approve your application, we will establish aself-
replenishing Line of Credit far you and notify you of its amount when we issue the
card. You agree not to let the account balance exceed this approved Credit Line. Each
payment you make on the account will restore your Credit Line by the amount of the
payment which is applied to the principal. You may request an increase in your Credit
Line only by written application to us, which must be approved by our credit committee
or loan officer. By giving you written notice we may reduce your Credit Line from time
to time, or with good cause, revoke your card and terminate this Agreement. Good
cause includes your failure to comply with this Agreement or any other agreement with
us, or our adverse reevaluation of your creditworthiness. You may also terminate this
Agreement at any time, but termination by either of us does not affect your obligation
to pay the account balance. The cards remain our property and you must recover and
surrender to us all cards upon our request and upon termination of this Agreement.
5. CREDIT INFORMATION -You authorize us to investigate your credit standing
when opening, renewing or reviewing your account, and you authorize us to disclose
information regarding your account to credit bureaus and other creditors who inquire
of us about your credit standing.
6. MONTHLY PAYMENT - We will mail you a statement every month showing your
Previous Balances of purchases and cash advances, the current transactions on your
account, the remaining credit available under your Credit Line, the New Balances of
purchases and cash advances, the Total New Balance, the Finance Charge due to date,
and any other billed fees, and the Minimum Payment required. Every month you must pay
at least the Minimum Payment within 25 days of your statement closing date. By separate
agreement you may authorize us to charge the minimum payment automatically to your
share or checking account with us. You may, of course, pay more frequently, pay more
than the Minimum Payment, or pay the Total New Balance in full, and you will reduce the
finance charge by doing so. If your monthly payment exceeds the total credit line balance
owed, we will automatically post the credit to your S1 shares.
The minimum payment will be (a) 2% of your Total New Balance, rounded up to the
next even dollar, or (b) $20.00, whichever is greater. In addition, at any time your Total
New Balance exceeds your Credit Line, you must immediately pay the excess upon our
demand. We will apply payments in the following manner: first to previous late fees,
:er we receive your letter, we cannot try to collect any amount you question, or report
u as delinquent. We can continue to send statements to you for the amount you
estion, including finance charges, and we can apply any unpaid amount against your
edit limit. You do not have to pay any questioned amount while we are investigating,
t you are still obligated to pay the parts of your statement that are not in question.
Ne find that we made a mistake on your statement, you will not have to pay any
ance charges related to any questioned amount. If we didn't make a mistake, you
ay have to pay finance charges, and you will have to make up any missed
yments on the questioned amount. In either case, we will send you a statement
the amount you owe and the date that it is due.
rou fail to pay the amount that we think you owe, we may report you as delinquent.
~wever, if our explanatioh does not satisfy you and you write to us within ten days
ling us that you still refuse to pay, we must tell anyone we report you to that you
ve a question about your statement. And, we must tell you the name of anyone
reported you to. We must tell anyone we report you to that the matter has been
ttled between us when it finally is.
Ne don't follow these rules, we can't collect the first $50 of the questioned amount,
en if your statement was correct.
~ECIAL RULE FOR CREDIT CARD PURCHASES - If you have a problem with
quality of property or services that you purchased with a credit card, and you
ve tried in good faith to correct the problem with the merchant, you may have the
iht not to pay the remaining amount due on the property or services. There are two
citations on this right: (a) You must have made the purchase in your home state or,
tot within your home state, within 100 miles of your current mailing address; and
I The purchase price must have been more than $50.
iese limitations do not apply if we own or operate the merchant, or if we mailed
u the advertisement for the property or services.
:n to previous cash advances finance charges, then to previous purchase finance
arges, then to current late fees, then to previous cash advance balances, then to
;vious purchase balances in the order that they were posted to your account, then
current cash advance balances, and then to current purchase balances.
FINANCE CHARGES -You can avoid the Finance Charge on purchases by
ying the full amount of the New Balance of Purchases each month within 25 days
your statement closing date. Otherwise, the New Balance of Purchases, and the
bsequent purchases from the date they are posted to your account, will be subject
Finance Charge. Cash advances are always subject to Finance Charge from the
to they are posted to your account.
irchases: We calculate your finance charge by multiplying the average adjusted
ily balance (see explanation below), including new purchases, for the billing cycle
the monthly periodic purchase rate and corresponding ANNUAL PERCENTAGE
\TE as disclosed on the Addendum.
Advances: We calculate your finance charge on cash advances by
ling the average adjusted daily balance (see explanation below) far cash
es during the billing cycle by the monthly periodic advance rate and
~ondina ANNUAL PERCENTAGE RATE as disclosed on the Addendum.
glance Computation Method
~erage Daily Balance for Purchases -The Average Daily Balance for Purchase
ansactions is calculated by adding the Daily Balances (Purchase Transaction) for
Bch day in the billing cycle, and then dividing by the number of days in the billing
cle. To calculate the Daily Balance for purchases each day, we take the following
cps: We take the outstanding balance (all amounts you owe) at the start of the day.
ten, in the sequence in which amounts are posted to your account, we add the
nounts of all debits and subtract the amounts of all credits or payments which post
your account that day. After applying payments and credits, we subtract the
nount of any unpaid Finance Charges or Late Charges. Then we also subtract the
nount of any Cash Advance transactions that posted to your account on that day or
any previous day in the billing cycle. This gives us the Daily Balance for purchases.
~erage Daily Balance for Cash Advances -Cash Advance Transactions which are
~sted to your account are not included in the Average Daily Balance calculation for
irchases, and are therefore not subject to the monthly periodic rate for purchases. The
~erage Daily Balance is calculated separately for Cash Advances and is subject to the
ash Advance Monthly Periodic Rate. The Average Daily Balance for Cash Transactions
calculated by adding the Daily Balances (Cash Transaction) for each day in the billing
cle, and then dividing by the number of days in the billing cycle. To calculate the Daily
glance for cash each day, we take the following steps: We take the outstanding balance
II amounts you owe) at the start of the day. Then, in the sequence in which amounts
e posted to your account, we add the amounts of all debits and subtract the amounts
all credits or payments which post to your account that day. After applying payments
id credits, we subtract the amount of any unpaid Finance Charges or Late Charges.
ten we also subtract the amount of any Purchase Transactions that pasted to your
.count on that day or in any previous day in the billing cycle. This gives us the Daily
dance for Cash Advance Transactions. Note: Cash Advances are always subject to
lance charges and from the day they are posted to your account.
ayments are applied in the following manner: first to previous late fees, then to
evious cash advances finance charges, then to previous purchase finance
urges, then to current late fees, then to previous cash advance balances, then to
evious purchase balances in the order that they were posted to your account, then
current cash advance balances, and then to current purchase balances. Credits
e applied first to the particular type of debt which is being credited, if any, and then
the balance of your account.
ate also that if the total of the payments and credits which are posted to your
;count by the Payment Due Date shown on a statement is equal to or exceeds the
VISA® Credit Card Agreement and Truth In Lendl~sclosure (continued)
New Balance shown on that statement, we will not appty the Monthly Periodic Rate
to your Account on your next statement.
8. DEFAULT -You will be in default if you fail to make any Minimum Payment
within 25 days after your monthly statement closing date. You authorize us to transfer
funds sufficient to make the minimum payment due if your VISA loan is in default.
You agree that we may temporarily suspend your ATM card access if your VISA
payment is due for a period exceeding 30 days. You will also be in default if your
ability to repay us is materially reduced by a change in your employment, an
increase in your obligations, bankruptcy or insolvency proceedings involving you,
your death or your failure to abide by this Agreement, or if the value of our security
interest materially declines. We have the right to demand immediate payment of your
full account balance if you default, subject to our giving you any notice required by
law. To the extent permitted by law, you will also be required to pay our collection
expenses, including court costs and reasonable attorney fees.
9. USING THE CARD - To make~a purchase or cash advance, there are two
alternative procedures to be followed. One is for you to present the card to a
participating VISA plan merchant, or another financial institution, and sign the sales or
cash advance draft which will be imprinted with your card.The other is to complete the
transaction by using your Personal Identification Number (PIN) in conjunction with the
card in an Automated Teller Machine or other type of electronic terminal that provides
access to the VISA system. You agree that you will not use your card for any
transaction that is illegal under applicable federal, state, or local law. The monthly
statement will identify the merchant, electronic terminal or financial institution at which
transactions were made, but sale, cash advance, credit or other slips cannot be
returned with the statement. You will retain a copy of such slips furnished at the time
of the transaction in order to verify the monthly statement. The Credit Union may make
a reasonable charge for photocopies of slips you may request.
10. RETURNS AND ADJUSTMENTS -Merchants and others who honor the card
may give credit for returns and adjustments, and they will do so by sending us a credit
slip which we will post to your VISA line of credit. If your credit and payments exceed
what you owe us, we will automatically post the excess •credit balance to your S1
Shares within 75 days. If the balance is one dollar or more; upon your written request,
we will refund the credit balance to you.
11. FOREIGN TRANSACTIONS -Purchases and cash advances made in foreign
currencies will be billed to you in U.S. dollars. The conversion rate to dollars will be
made in accordance with the operating regulations for international transactions
established by VISA. U.S.A., Inc.
12. PLAN MERCHANT DISPUTES - We are not responsible for the refusal of any
plan merchant or finarcial institution to honor your card. We are subject to claims and
ATM CARD CARDHOLDER AGREEMENT -The Undersigned (you or your), in
consideration of THE PENNSYLVANIA STATE EMPLOYEES CREDIT UNION (we,
our and us) issuing to you an ATM CARD, hereby agree to be legally bound by the
following terms and conditions. You agree that the use of your ATM card(s)
constitutes acceptance of the terms and conditions of this Agreement. You
understand that ATM is acredit-related service and you authorize PSECU to obtain
a credit report on any users of this account.
1. ACCOUNTS AND USES OF ATM CARD -You have the account(s) (including
Checking and Regular Shares), which we set forth on your application form with this
Agreement. You hereby request that we issue to you one or more ATM CARD(s) to
be used in connection with such accounts as described in this Agreement.
You understand you may use the ATM CARD at a STAR SYSTEMS® ATM to (1)
withdraw cash from, (2) make or arrange for deposits in, (3) effect transfers to or from
your account, (4) receive information regarding the balance in your account(s) or (5)
make cash advances from your credit account(s) in the amounts you request. You may
also use automated teller machines throughout the United States and in certain
foreign countries which bear the PLUS SYSTEM® name and logo (1) to make
withdrawals from, (2) effect transfers to or from, (3) receive information regarding the
balances in your Checking or Regular shares. If you have a Personal Service Loan
approved and in place, you may also make a cash advance from your PSL.You further
understand you may use the ATM CARD to purchase goods and services
("Purchase") at any retail establishment ("Merchant") where ATM CARDs are
accepted by such Merchant. If you use the ATM CARD to make a Purchase to obtain
cash, if permitted by the Merchant, you shall be requesting us to withdraw funds in the
amount of such Purchase (including any cash received from the Merchant) from your
Checking Shares and directing or ordering us to pay such funds to the Merchant.
You request that we will provide to you such other services or access to other ATM
systems or networks using the ATM CARD which we may later make available and
which we advise you are offered in connection with your account(s) set forth on your
application form. You also understand that from time to time you may request in
writing that we provide access to additional accounts of yours through the ATM
CARD we have issued to you. You agree that the uses of the ATM CARD described
in this Agreement shall be subject to the rules and regulations of each account
which is accessed by such Card.
2. USE OF PERSONAL IDENTIFICATION NUMBER ("PIN") WITH ATM CARD
You understand that a STAR SYSTEMS or a PLUS SYSTEM ATM is an automated
teller. It can and will perform many of the same tasks as a human teller. You
acknowledge that the Personal Identification Number or PIN which you use with the
ATM CARD is your signature, identifies the bearer of the Card to the STAR
SYSTEMS ATM, PLUS SYSTEM ATM, or other network ATM and authenticates and
validates the directions given just as your actual signature and other proof identify
de enses (other than tort )arising out of,goods and services you purchase with
th card only if you have ma e a good faith attempt, but have been unable to obtain
sa isfaction from the plan merchant, and (a) your purchase was made in response to
an advertisement we sent or participated in sending you, or (b) your purchase cost
m re than $50 and was made from a plan merchant in your state or within 100 miles
of our home. Any other disputes you must resolve directly with the plan merchant.
13 SECURITY INTEREST - To secure your account, you grant us a purchase
m ney security interest under the Uniform Commercial Code in any goods you
pu chase through the account. If you default, we will have the right to recover any of
th se goods which we have not been paid for through our application of your
pa ments in the manner described in the Monthly Payment section. With respect to
thi account only, we will not assert any statutory right we may have if you are in
de ault to prevent withdrawal of your unpledged credit union shares (Deposits)
be ow the unpaid balance of your account. However, if you give or have given us a
sp cific pledge of your credit union shares (Deposits) by signing the Pledge of
Sh res or otherwise, or any offer security interests for all your debts, your account
wil be secured by your pledged shares (Deposits) and by the property described in
th se other security agreements, except for your home.
14 EFFECT OF AGREEMENT -This Agreement is the contract which applies to
all transactions on your account even though the sales, cash advance, credit or
of er slips you sign or receive may contain different terms. We may amend the
Ag Bement from time to time by sending you the advance written notice required by
la .Your use of the card thereafter will indicate your agreement to the amendments.
To the extent the law permits, and we indicate in our notice, amendments will apply
to our existing account balance as well as to future transactions.
15 LATE PAYMENT CHARGE - If your Minimum Payment is not paid within 15
da s after the Payment Due Date, you will be subject to a single charge of 5% of the
mi imum scheduled payment.
i6 RUSH FEES -You may incur additional charges for rush processing and rush
de iverv of cards and/or PIN mailer.
17 DRAFT COPIES -You may incur an additional charge for transaction
su mary/sale draft documentation.
18 COPY RECEIVED -You acknowledge receipt of a copy of this Agreement.
19 ILLEGALTRANSACTIONS PROHIBITED -You agree that you will not use your
ca d for any transaction that is illegal under applicable federal, state, or local law.
20 NO USE -Inactive Visa accounts that have no purchase or cash activity may
be closed without notice to you after 18 months of no activity.
21 NEURAL NETWORK -PSECU uses neural network systems to predict and
pr ent unauthorized transactions. There may be occasions when a transaction is
de lined because it is indicative of possible fraudulent activity.
yo and authenticate and validate your directions to a human teller. You also
un erstand that a Merchant which accepts the ATM CARD fora Purchase
tra saction may have an electronic terminal (Merchant operated or Self-Service)
wh ch requires the use of your PIN and when your PIN is used at a Merchant's
ter final, it will authenticate and validate the directions given just as your actual
sig ature will authenticate and validate your directions given to us. You acknowledge
th your PIN is an identification code that is personal and confidential and that the
us of the PIN with the ATM CARD is a security devise for your account(s).
Th refore, YOU AGREE TO TAKE ALL REASONABLE PRECAUTIONS THAT NO
O E ELSE LEARNS YOUR PIN.
3. LIABILITY FOR UNAUTHORIZED TRANSACTIONS -You agree to contact us
at nce if you believe the ATM CARD(s) issued to you or PIN has been lost or stolen
or oney is missing from your account(s). You also agree that if your monthly
sta ement shows transactions which you did not make, and you do not contact us
wit in 60 days after the statement was mailed to you, you may not get any money
los after that time.YOU AGREE THAT IFYOU GIVE YOUR ATM CARD(s) and PIN
TO SOMEONE ELSE TO USEYOU ARE AUTHORIZING THEM TO ACT ON YOUR
BE ALF AND YOU WILL BE RESPONSIBLE FOR ANY USE OF THE CARD(s) BY
TH M. You could lose all your money in the account(s) if you take no action to notify
PS CU of the loss of your ATM CARD or PIN. Safeguard your Personal
Ide tification Number (PIN). Do not tell or disclose your PIN to any other person. Do
no write your PIN on your ATM CARD. Do not keep a written record of your PIN near
yo r ATM CARD. Do not choose a PIN that is easily identifiable.
A ew card may be ordered for you at that time and a "hold" will be placed on your
old card. After such time, if you find your old card, destroy the old card by cutting it
in alf. If you attempt to use your old card, it will not work.
4. CHARGES -You agree to pay a 50 cent charge for each deposit or withdrawal
ex eeding 15 a month. You agree to pay the 50 cent penalty charge on any cash
dis ursement transaction (loan advance or share withdrawal) that is less than $20.
Yo agree to pay a 25 cent charge on each balance inquiry. You may incur a charge
for ny adjustment that needs to be made to your account resulting from an error
yo made while making a deposit at an Automated Teller machine (ATM). You agree
to ay the charges or transaction fees which are charged by us for these services
or r services which may later be offered as such fees or charges may be imposed
or hanged from time to time.
5. DEPOSITS -You agree that when you make a deposit at a STAR SYSTEMS
AT that we have the right to verify the deposit before we make the money available
to ou. If you deliver cash, checks or other items to a STAR SYSTEMS ATM, you
un erstand and acknowledge that the funds from your deposit may not be available
for mmediate withdrawal and that the availability of your deposit shall depend on our
rul s and regulations regarding the particular account in which you are making a
deposit, the items that you are depositing and whether the deposit is made at a
STAR SYSTEMS ATM that is owned by us or another financial institution. You also
understand and acknowledge that not ail STAR SYSTEMS ATMS may accept
deposits and some STAR SYSTEMS ATMS may limit the amount of funds which
may be deposited and that we may not control these limits.
6. LIABILITY -, If the ATM CARD is issued for a joint account, you agree to be
jointly and severally liable under the terms of this Agreement and the agreement for
such account. You agree that if you make deposits or payments to your account(s)
with items other than cash (checks, drafts or other items) and we make funds
available to you from such deposits prior to their collection, you agree that we may
deduct the amounts of such funds from your account(s) which are not collected or,
if the funds in your account(s) are insufficient at such time, you will promptly'pay to
us any amount of such funds which are not collected.
7. AMENDMENT OF THIS AGREEMENT -You agree that from time to time we
may amend or change the terms of this agreement including amendments or
changes to add further ATM CARD services or to amend or change the charges for
these services. We may do so by notifying you in writing of such amendments or
changes and your use of the ATM CARD after the effective date of any such
amendment or change shall constitute your acceptance of and agreement to such
amendment or change.
8. OWNERSHIP -You agree that the ATM CARD is our property and you will
surrender it to us upon our request. You agree that the ATM CARD is non-
transferable.
9. DISCLOSURES -You hereby acknowledge receipt of the disclosure statement
informing you of your rights under the Electronic Funds Transfer Act and a copy of
this Agreement.
REGULATION "E" DISCLOSURE
1. ELECTRONIC CHECK CONVERSIOWELECTRONIC RETURNED CHECK
FEES - If you pay for something with a check or share draft, you may authorize it
to be converted to an electronic fund transfer. You may also authorize merchants to
electronically debit your account for returned check fees. You are considered to have
authorized these electronic funds transfers if you complete the transaction after
being told (orally or by a notice posted or sent to you) that the transfer may be
processed electronically or if you sign a written authorization.
2. SUMMARY OF EONSUMER LIABILITY -
• ATM, ACH and SST -Tell us at once if you believe your card has been lost
or stolen. Telephoning is the best way to keep your possible losses down. You could
lose all the money in your account plus your maximum overdraft line of credit. If you
believe your card has been lost or stolen, and you tell us within two business days
after you learn of the loss or theft, you can lose no more than $50 if someone used
your card without your permission.
If you do not tell us within two business days after you learn of the loss or theft of
your card, and we can prove we could have stopped someone from using your card
without your permission if you had told us, you could lose as much as $500.
Also, if your statement shows transfers that you did not make, tell us at once. If
you do not tell us within 60 days after the statement was mailed to you, you may
not get back any money you lost after the 60 days if we can prove that we could
have stopped someone from taking the money if you had told us in time.
If a good reason such as a long trip or a hospital stay kept you from telling us, we
will extend the time periods.
3. TELEPHONE NUMBER AND ADDRESS TO NOTIFY OF UNAUTHORIZED
TRANSFERS -
• ATM -Contact PSECU at (800) 237-7328 EXT 3808 (nationwide) or (717)
234-8484 (in Harrisburg). After hours, follow the menu options on PSECU's
voice mail system to report a lost or stolen card. For VISA Credit or Debit
Cards, follow the directions for Lost Card Notification under the VISA Credit
Card Agreement and Truth-in-Lending Disclosures section of this document.
• ACH and SST -Contact PSECU at (800) 237-7328 (nationwide) or (717)
234-8484 (in Harrisburg).
Or write to us at:
Pennsylvania State Employees Credit Union
P.O. Box 67013
Harrisburg, PA 1 71 06-701 3
PSECU Business Hours:
8:00 a.m. - 5:00 p.m. M - F
TDD (800) 472-1967 Nationwide
(717) 777-2100 in Harrisburg
4. FINANCIAL INSTITUTION'S BUSINESS DAYS -
• ATM, ACH and SST - PSECU's Business Days are Monday through Friday,
Holidays not included.
5. TYPES OF ELECTRONIC TRANSFERS A CONSUMER MAY MAKE -
• ATM -Balance inquiries on checking, savings and PSL; withdrawals from
checking/savings; cash advance from PSL; deposits to checking/savings;
purchase goods and services at any accepting retail establishment.
• ACH - Preauthorized debits and credits to checking and savings.
• SST -Balance inquiries and transaction histories on all share, certificate and
loan accounts; transfers from any share to another share or loan account from
your PSL to any sha~loan account; withdrawals from any share except
IRA shares or certifica
6. ANY CHARGES FOR ELECTRONIC FUNDS TRANSFERS OR FOR THE
RI HT TO MAKE TRANSFERS -
• ATM -Fifty cents for each disbursement (cash advance or withdrawal) less
than $20; fifty cents for each transaction over 15 per month; 25 cent for each
balance inquiry; and there may be an additional charge for any adjustment
that needs to be made to the account of any member who makes an error
while depositing at an Automated Teller machine (ATM).
• ACH - $20 service charge for insufficient funds for each electronic transfer.
• SST -none
7. SUMMARY OF CONSUMER'S RIGHT TO RECEIVE DOCUMENTATION OF
E 'S -
• ATM -You are entitled to receive a printed receipt at the time of each
transaction. You will receive a monthly statement showing the status of your
account, any transactions made during the month, and any penalties or
charges PSECU may impose during the month.
• ACH and SST -You will receive a monthly statement showing the status of
your account., any transactions made during the month, and any penalties or
charges PSECU may impose during the month.
• If you have arranged to have a direct deposit made to your account at least
once every 60 days from the same person or company, you can call us at
(800) 237-7328 to find out whether or not the deposit has been made.
8. STOP PAYMENT RIGHTS -PRE-AUTHORIZED TRANSFERS -
• ATM and SST -Not applicable.
• ACH -Right to Stop Payment and Procedures for doing so. If you have told
us in advance to make regular payments out of your account, you can stop
any of these payments. Here's how: Call us at (800) 237-7328 (Nationwide)
or (717} 234-8484 (Harrisburg) or write us at: Pennsylvania State Employees
Credit Union, P.O. Box 67013, Harrisburg, PA 17106-7013, in time for us to
receive your request three business days or more before the payment is
scheduled to be made. If you call, we may also require you to put your request
in writing and get it to us within 14 days after you call.
• Notice ofVarying Amounts. If these regular payments may vary in amount,
the person you are going to pay will tell you, 10 days before each payment,
when it will be made and how much it will be. You may choose instead to get
this notice only when the payment would differ by more than a certain amount
from the previous payment, or when the amount would fall outside certain
limits that you set.
• Llabillty for Failure to Stop Payment of Preauthorfzed Transfers. If you
order us to stop one of these payments three business days or more before
the transfer is scheduled, and we do not do so, we will be liable for your losses
or damages, unless we request and do not receive written confirmation of an
oral stop payment within 14 days and the transfer takes place after 14 days,
or you fail to give us proper instructions that would enable us to place the stop
on the transfer.
9. SUMMARY OF THE FINANCIAL INSTITUTION'S FAILURE TO MAKE OR
S OP CERTAIN TRANSFERS -
• ATM - If PSECU fails to complete a transaction on time or in the correct
amount, when properly instructed by you, PSECU will be liable for damages
caused by our failure unless: (1) there are insufficient funds in your account to
complete the transfer; (2) the funds in your account are uncollected; (3) the
funds are subject to legal process; (4) the transaction you request would exceed
the funds in your account plus any available overdraft protection; (5) the STAR
Systems, PLUS system has insufficient cash to complete the transaction; (6)
your card has been reported lost or stolen and you are using the reported card;
(7) PSECU has reason to believe that the transaction requested is
unauthorized; (8) the failure is due to an equipment breakdown that you know
about when you started the transaction at the STAR Systems, PLUS System;
(9) the failure was caused by an act of God, fire, or other catastrophe, or by any
other cause beyond control; (10) if you attempt to complete a transaction that,
at a STAR Systems, PLUS System, or merchant terminal that is not a
permissible transaction listed above; or, (11) the transaction would exceed the
security limitations on the use of your ATM CARD.
• ACH and SST - If PSECU fails to complete a transaction on time or in the
correct amount, when properly instructed by you, PSECU will be liable for
damages caused by our failure unless: (1) there are insufficient funds in your
account to complete the transfer; (2) the funds in your account are
uncollected; (3) the funds are subject to legal process; (4) the transaction you
request would exceed the funds in your account plus any available overdraft
credit; (5) PSECU has reason to believe that the transaction requested is
unauthorized; (6) the failure was caused by an act of God, fire, or other
catastrophe, or by another cause beyond control. In any case, PSECU shall
be liable only for actual proven and not consequential damages if the failure
to make the transaction resulted from a bona fide error despite PSECU's
procedures to avoid such errors.
1 . DISCLOSURE TO THIRD PARTIES -
• ATM, ACH and SST -PSECU will disclose information about your account to
third parties: (1) when it is necessary to complete transactions; (2) to verify
the existence and standing of your account with PSECU upon request of third
party, such as a credit bureau; (3) to comply with government agency or court
Electronic Funds Transfer ATM Agreemen_ t ~egulatfon "E" Disclosure
(continued)
orders; (4) in accordance with your written permission; (5) to comply with
government or administrative agency summonses, subpoenas, or court
orders; (6) on receipt of certification from a Federal Agency or department
that a request for information is in compliance with the Right to Financial
Privacy Act of 1978; Regulation P, Privacy of Consumer Financial Information;
and (7) when it is necessary to take legal action to recover shares.
11. STAR SYSTEMS SERVICES -
• ATM Only -You may use your ATM CARD with your Personal Identification
Number (PIN) at STAR SYSTEMs located in Delaware, Maryland, New
Jersey and Pennsylvania to conduct any of the following transactions for the
accounts accessed by your ATM CARD.
a) Determine the account' balance(s) of your Checking your Regular
Shares, and your Personal Service Loan (PSL).
b) Withdraw cash from your Checking and your Regular Shares.
c) Make a cash advance from your Personal Service Loan (PSL).
d) Deposit currency, checks, or drafts (coins are not acceptable) for
transmission to PSECU for deposit in your Checking and your Regular
Shares.
NOTE: There are limited locations in Maryland where deposits may be made.
We wish to inform you that some ATMs located in these areas may only provide
access to your Checking, your Regular Shares, and your Personal Service Loan.
Not all ATMs may accept deposits. There may also be limits on the amount of
funds which you may deposit in certain ATMs.
12. PLUS SYSTEM' SERVICES -
• ATM Only -You may use your ATM CARD with your Personal Identification
Number (PIN) at any PLUS SYSTEM automated xeller machine
(PLUS SYSTEM ATM) located throughout the United States, Puerto Rico,
Canada, Great Britain and Japan to conduct any of the following transactions on
the accounts accessed by your ATM CARD.
a) Determine the account balance(s) of your Checking, your Regular
Shares, and your Personal Service Loan (PSL).
b) Withdraw cash from your Checking and your Regular Shares.
c) Make a Cash advance from your Personal Service Loan (PSL).
NOTE: Deposits are not available through PLUS SYSTEM ATMs.
These are the STAR SYSTEMs services currently available through the PLUS
SYSTEM network. Other services may be offered in the future.
13.OTHER ATM NETWORK ACCESS -
• ATM Only -From time to time, PSECU may make arrangements with other
ATM networks to grant access to ATM CARDs. PSECU shall inform you when
such arrangements are made and describe the services that are available to
you. Any charges will also be described.
14. PURCHASE TRANSACTIONS -
• ATM Only -You may use the ATM CARD to purchase goods and services
("Purchase") at any retail establishment ("Merchant") where ATM CARDs are
accepted by such Merchant. The amount of all such Purchases will be
deducted from your Checking. When you make a Purchase using the ATM
CARD, you will be requesting PSECU to withdraw funds from your Checking
in the amount of the Purchase and directing PSECU to pay these funds to
such Merchant.
15. LIMITATIONS ON THE USE OF YOUR ATM CARD -
• ATM Only -You may withdraw up to $500 per day from one or a combination
of your accounts by using a ATM CARD provided the funds are available at a
STAR SYSTEMs or PLUS SYSTEM ATM. in addition, you may
withdraw/purchase up to $500 at point of sale locations. PSECU reserves the
right to reduce this daily limit at any time. In the event that your daily limit is
less than $500, PSECU will advise you of the new limitation. The day for
withdrawal limits starts at 12 midnight each day and ends at 12 midnight the
next day. For security purposes, there are also certain daily limitations on the
frequency of use of the ATM CARD. However, these limitations are not
revealed for security reasons. The Pennsylvania State Employees Credit
Union is not obliged to maintain such limitations.
You will be denied use of your ATM CARD if you exceed the daily
withdrawallpurchase limit, if you do not have adequate funds available in your
account, do not en~he correct Personal Identification Number (PIN), or
exceed the frequency of usage limitation. The receipt provided by the STAR
SYSTEMs or PLUS SYSTEM ATM or Merchant terminal will notify you of the
denial. There is a limit on the number of such denials permitted. Attempts to
exceed the limit will result in machine retention of our ATM CARD. The number
of attempts that result in machine retention is not revealed for security purposes.
ERROR RESOLUTION PROCEDURES -
• ATM, ACH and SST - In case of errors or questions about your transactions:
Direct inquiries to PSECU at (800) 237-7328 Nationwide, TDD (800) 472-
1967 Nationwide, (717) 777-2100 in Harrisburg, or write PSECU at:
Pennsylvania State Employees Credit Union, P.O. Box 67013, Harrisburg, PA
17106-7013, as soon as you can if you think your statement or receipt is
wrong, or if you need more information about a transaction listed on the
statement or receipt. PSECU must hear from you no later than 60 days after
it sent you the first statement on which the problem or error appeared. You
must provide the following information: (a) Your name, account number, and
ATM CARD number (if a ATM transaction), or reference number (if Self-
Service Telephone Transaction); (b) Describe the error or the transaction you
are unsure about, and explain as clearly as you can why you believe it is an
error or why you need the information, and; (c) The dollar amount of the
suspected error.
If you tell PSECU orally, you must send your complaint or question in writing
within 10 business days. PSECU will tell you the results of the investigation
within 10 business days for STAR SYSTEMS, PLUS SYSTEM, SELF-
SERVICE TELEPHONE, or DIRECT DEBIT/CREDIT TRANSACTIONS, or 20
days for STAR SYSTEMS purchase transactions. If we need more time,
however, we may take up to 45 days for STAR SYSTEMS, PLUS SYSTEM,
SELF-SERVICE TELEPHONE, or DIRECT DEBIT/CREDIT TRANSACTIONS or
90 days for STAR SYSTEMS purchase transactions. If PSECU decides to do
this, it will recredit your account within 10 business days for the amount you think
is in error if it is a STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE
TELEPHONE, or DIRECT DEBIT/CREDIT transaction, or 20 business days if it
is a STAR SYSTEMS purchase transaction. You will have the use of the money
during the time it takes to complete the investigation. If PSECU does not receive
your complaint or question in writing within 10 business days, PSECU may not
recredit your account. If PSECU decides there is no error, you will be advised
within three business days after the investigation is completed. You may ask for
copies of the documents PSECU used in the investigation. If PSECU credits
your account while investigating, you must repay those funds if PSECU
concludes no error has occurred.
.ATM SURCHARGE - If you use an ATM that is not operated by us, you may be
arged a fee by the ATM operator and by any national, regional or local network
ed in processing the transaction (and you may be charged a fee for a balance
luiry even if you do not complete a fund transfer). The ATM surcharge will be
bited from your account if you elect to complete the transaction.
nice To Consumers Using ATM's
• Be alert to your surroundings. If you doubt the safety of a particular location,
choose another ATM.
• If the ATM has an entry door, close the door prior to initiating your transaction.
• Put your cash away immediately.
• Direct complaints concerning ATM security to an appropriate department of
the owner of the ATM. New Jersey residents: you may call the New Jersey
Department of Banking at (609) 292-7272.
those members who purchase a vehicle under the
/ Program, please review the following FTC Notice:
NOTICE
NY HOLDER OF THIS CONSUMER CREDIT CONTRACT
i SUBJECT TO ALL CLAIMS AND DEFENSES WHICH
HE DEBTOR COULD ASSERT AGAINST THE SELLER
F GOODS OR SERVICES OBTAINED WITH THE
ROCEEDS HEREOF. RECOVERY HEREUNDER BY THE
EBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE
EBTOR HEREUNDER.
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SHERIFF'S RETURN - NOT FOUND
CASE NO: 2007-03810 P
COMMONTWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
PENNSYLVANIA STATE EMPLOYEES
VS
MILLER CLYDE D
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
MILLER CLYDE D but was
unable to locate Him in his bailiwick. He therefore returns the
COMPLAINT & NOTICE ,
the within named DEFENDANT
529 BEDFORD COURT
MILLER CLYDE D
NOT FOUND as to
MECHANICSBURG, PA 17050-4619
PER POST OFFICE, DEFENDANT MOVED AND LEFT NO
FORWARDING ADDRESS.
Sheriff's Costs:
Docketing 18.00
Service 9.60
Not Found 5.00
Surcharge 10.00
.00
&/D~ilo 7 ~... 4 2. 6 0
So answers:
.-- '"~
_--, - ~-
.~ ~-
`~~ ~ ~ -
R. Thomas Kline
Sheriff of Cumberland County
VAN ECK & VAN ECK
07/13/2007
Sworn and Subscribed to before
me this day of
A.D.
OfiIGINAI
~ 1
~"IL"E_~~ r-,,r r,
4U 1~~ t~~.j i.- R~ ' if 4~~
C::t~L
BARLEY SNYDER LLC
Shawn M. Long, Esquire
Court I.D. No. 83774
126 East King Street
Lancaster, PA 17602
717.299.5201
Attorneys for Plaintiff
Pennsylvania State Employees Credit Union
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
v.
CLYDE D. MILLER,
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION -LAW
No. 2007-03810
TO THE PROTHONOTARY:
Kindly reinstate the Complaint originally filed on June 25, 2007 in the above-captioned
action.
Dated: ~ ~(o ~t ~
BARLEY SNYDER LLC
By:
Shawn M. Long, squire
Court LD. N 3774
Attorneys for Plaintiff,
Pennsylvania State Employees Credit Union
126 E. King Street
Lancaster, PA 17602
717.299.5201 n
\u
~l0.OO Pp AT7Y
~~ ~{ ay os,5
~~ ayNg~ro
2954470_1
SHERIFF';
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor
~~a~~tr iaf `e~brr~~~~
C,SFF14E ~'~F T ~+~ St'~RIFF
F3~ `.C
iii ~
2010.1L`~ i ~ ~~~ ~ `~'~ u~
CUB [{a;:. '.~~"~TY
I~~"., C 5f~.iv~M
;: - ~ e:
Pennsylvania State Employees Credit Union
vs.
Clyde D. Miller
Case Number
2007-3810
07/14/2010 07:56 PM -Michael Bar
2010 at 1956 hours, he
defendant, to wit: Clyde
Carlisle, Cumberland C~
personally the said true
OFFICE OF CUMBERLAND COUNTY
SHERIFF'S RETURN OF SERVICE
ick, Deputy Sheriff, who being duly sworn according to law, states that on July 14,
served a true copy of the within Complaint and Notice, upon the within named
D. Miller, by making known unto himself personally, at 184 Virginia Avenue,
aunty, Pennsylvania 17013 its contents and at the same time handing to him
and correct copy of the same.
AEL BARRICK, DEPUTY
SHERIFF COST: $33.40
July 15, 2010
(c} CountySuite Sheriff. Teleo=oft. Inc.
SO ANSWERS,
RON R ANDERSON, SHERIFF
ORIGINAL
BARLEY SNYDER LLC
Shawn M. Long, Esquire
Court I.D. No. 83774
126 East King Street
Lancaster, PA 17602
717.299.5201
No. 07-3810 Civil Term
f7ff, -? j:1:m
Cr
Attorneys for Plaintiff
Pennsylvania State Employees Credit Union
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
V.
CLYDE D. MILLER,
Defendant
COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION - LAW
No. 07-3810 Civil Term
PRAECIPE FOR JUDGMENT
Enter Judgment in favor of Plaintiff, Pennsylvania State Employees Credit Union and
against Defendant, Clyde D. Miller, for want of an answer in the amount of $9,428.53 plus
interest and costs of suit.
(X) I certify that the foregoing assessment of damages is for specified amounts alleged to
be due in the complaint and is calculable as a sum certain from the complaint.
( ) 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.
Praecipe for Judgment (Cumberland) - PSECU_ Clyde D Miller
izA a.Y83V
U04c'CE n-L? 6C
No. 07-3810 Civil Term
(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 filing of this praecipe and a copy of the notice is attached.
Date: ? ! 3 IV
BARLEY SNYDER LLC
By:
Shawn M. Long squire
Court I.D. No 3774
Attorneys for Plaintiff,
Pennsylvania State Employees Credit Union
126 East King Street
Lancaster, PA 17602
717.299.5201
NOW, 2010, JUDGMENT IS ENTERED AS ABOVE.
Prothonotary/Clerk, Civil Division
By:
Praecipe for Judgment (Cumberland) - PSECU_ Clyde D Miller
No. 07-3810 Civil Term
BARLEY SNYDER LLC
Shawn M. Long, Esquire
Court I.D. No. 83774
126 East King Street
Lancaster, PA 17602
(717) 299-5201
Defendant
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
V.
CLYDE D. MILLER,
Attorneys for Plaintiff
Pennsylvania State Employees Credit Union
COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,
PENNSYLVANIA
No. 07-3810 Civil Term
PROOF OF SERVICE
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF LANCASTER
ss.
Colleen Brelje, Paralegal, being sworn according to law, deposes and says that she served
a true and correct copy of the 10-day Default Notice upon Clyde D. Miller, 184 Virginia Avenue,
Carlisle, Pennsylvania 17013 by regular mail on August 5, 2010 at 5:00 p.m.
BARLEY SNYDER LLC
E
r
By: y
Colleen Brelje, Paralegal
Sworn to and subscribed before me 126 East King Street
this F?-` day of August, 2010 Lancaster, PA 17602
717.299.5201
Notary Public
COMMONWEALTH OF PENNSYLVANIA
Notarial Seal
JoAnn F. Dilloway, Notary Public
City of Lancaster, Lancesber County
29791071 My Commission 5#res Dec 15, 2013
Member, Pennsylvania Association of Notaries
No. 07-3810 Civil Term
BARLEY SNYDER LLC
Shawn M. Long, Esquire
Court I.D. No. 83774
126 East King Street
Lancaster, PA 17602
(717) 299-5201
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
V.
CLYDE D. MILLER,
Defendant
Attorneys for Plaintiff
Pennsylvania State Employees Credit Union
COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,
PENNSYLVANIA
No. 07-3810 Civil Term
To: Clyde D. Miller
184 Virginia Avenue
Carlisle, PA 17013
Date of Notice: August 5, 2010
IMPORTANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE
COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST
YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE,
A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU
MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS.
29791071
No. 07-3810 Civil Term
YOU SHOULD TAKE THIS PAPER TO A LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER, GO TO OR TELEPHONE THE FOLLOWING OFFICE SET FORTH
BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A
LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County Lawyer Referral Service
32 South Bedford Street
Carlisle, PA 17013
800.999.9108
BARLEY SNYDER LLC
By:
Shawn M. Long, Esq ' e
Court I.D. No. 837
Attorneys for Pl ntiff,
Pennsylvania ate Employees Credit Union
126 East Ki . g Street
Lancaster, PA 17603
717.299.5201
29791071
ORIGINAL No. 07-3810 Civil Term
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY
OFFICE OF THE PROTHONOTARY
CARLISLE, PA
TO: Clyde D. Miller,
Defendant
YOU ARE HEREBY NOTIFIED that Pennsylvania State Employees Credit Union has
caused a judgment by default to be entered against you with the Prothonotary of Cumberland
County. The judgment was entered on 4?1/L !fa , to No. 07-3810 Civil Term
with the Court of Common Pleas of Cumberland County - Civil Division. The judgment is in the
amount of $4,428.53 plus interest and costs of suit.
PROTHONOTAR
By:
Deputy Cle
Praecipe for Judgment (Cumberland) - PSECU_ Clyde D Miller
ORIGINAL
BARLEY SNYDER LLC
Shawn M. Long, Esquire
Court I.D. No. 83774
126 East King Street
Lancaster, PA 17602
717.299.5201
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
V.
CLYDE D. MILLER,
Defendant
No. 07-3810 Civil Term
Attorneys for Plaintiff
Pennsylvania State Employees Credit Union
COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION - LAW
No. 07-3810 Civil Term
AFFIDAVIT THAT THE DEFENDANT IS NOT IN THE
MILITARY SERVICE, PURSUANT TO "SOLDIERS
AND SAILORS" CIVIL RELIEF ACT OF 1918, RE-ENACTED 1940
LANCASTER COUNTY, SS: Before me, the undersigned authority, personally
appeared Shawn M. Long, Esquire, who being duly sworn according to law, doth depose and say
that Clyde D. Miller, the Defendant is not in the Military or Naval Service, based on the
following facts: Age of Defendant is unknown; Present place of employment is unknown; Last
known place of Residence is 184 Virginia Avenue, Pennsylvania 17013 as of the date of this
affidavit.
ADDITIONAL FACTS, if any.
Date: 9713110
BARLEY SNYDER LLC
By:
Shawn M. Lon sq
Court I.D. No 3774
Sworn and subscribed to before me Attorneys fo}'Plaintiff,
this day of September, 2010. Pennsylvania State Employees Credit Union
126 East King Street
Lancaster, PA 17602-2893
Notary Publ' 717.299.5201
COMNIa_ N_W `!AL'fM F N NVA
Praecipe for Judgment (Cumberland) - PSECU_ Clyde D Miller Notarial Seal
Coiiemw M. Domes Notary Publlo
narm to *
City of l anR gw. :Wj
My Comntleek? I 17,2013
t?A of rtes
Member, Pennsylvania a
JANIOIRO