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Home My WebLink About03-4823 o ,-ey & Courtney, P.C. . Steven C. Courtney, Esquire .<<orney I.D. No. 74669 1'.0. Bo.6280 Harrisburg, I'A 17112 (717) SIO-3900 Attorney for Plaintiff PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff IN THE COURT OF COMMON PLEAS, CUMBERLAND COUNTY, PENNSYLVANIA NO. 03 - J/P:J3 C./~~L J€AJvI vs. WILLIAM BRYAN LANE, Defendant CIVIL ACTION -LAW NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the folloWing pages, you must take action within twenty (20) days after this Complaint and Notice is served, by entering a written appearance, personally or by attorney, and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint, or document, or for any other claim orreliefrequested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IFYOUDONOTHAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. NOTICIA Le han demandado a used en 1a corte. Si used qui ere defenderse de estas demandas expuestas en las paginas siguientes, used tiene viente (20) dias de plazo a1 partir de la fecha de lademanda y 1a notificacion. Used debe presentar una apariencia escrita 0 en persona 0 por abogado y archivar en la corte en forma escrita sus defensas 0 sus objeciones a 1as demandas en contra de su persona. Sea avisado que si used no se defienda, la corte tomara medidas y puede entrar una orden contra used sin previo aviso 0 notificacion y por cualquier queja 0 alivio que es pedido en 1a peticion de demanda. Used puede perder dinero 0 sus propiedades 0 otros derechos importantes para used. LLEVE ESTA DEMANDA A UN ABODAGO INMEDIATAMENTE. SINO TIENEABOGADO o SINO TIENE EL DINERO SUFICIENTE DE P AGAR TAL SERVICIO, VA Y A EN PERSONA o LLAME POR TELEFONO A LA OFICINA CUY A DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA A VERIGUAR DONDE SE PUEDE CONSEGUIR ASSISTENCIA LEGAL. Cumberland County Bar Association 2 Liberty Ave. Carlisle, PA 17013 Plain tiff IN THE COURT OF COMMON PLEAS, CUMBERLAND COUNTY, PENNSYL VANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, YS. NO. (i)j - 'if"Lj WILLIAM BRYAN LANE, Defendant CIVIL ACTION -LAW COMPLAINT AND NOW, comes Plaintiff, Permsylvania State Employees Credit Union, by and through its attorneys, Steven C. Courtney, 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, William Bryan Lane, is an adult individual with a last known address of 25 Baltimore Street, Carlisle, Cumberland County, Pennsylvania. 3. Defendant is, and at all relevant times material hereto was, a applicant for a loan with Plaintiff. 4. Defendant applied to Plaintiff for a Visa and Personal Service Loan. A true and correct copy of the loan applications is attached hereto, incorporated herein and marked as Exhibit "AH. 5. Pursuant to the Visa and Personal Service Loan Application marked as Exhibit "A", 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 Security Agreement is attached hereto, incorporated herein and marked as Exhibit "B". 6. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms and conditions of the Contract marked as Exhibit "B". 7. Various charges and/or purchases were made by Defendant on the Visa and Personal Service Loans with Plaintiff. 8. Defendant has not made a payment on account of the Personal Service and Visa Loans with Plaintiff since December 28, 2001. 9. Plaintiff has maintained a statement of account keeping an accurate and running amount of debits and credits made on Defendant's account. 10. Plaintiff has submitted to Defendant a copy of the statement of account accurately showing all debits and credits for transactions with Defendant. 11. Defendant has not objected to any of the monthly statements of account submitted by Plaintiff to Defendant. 12. Despite Plaintiffs reasonable and repeated demands for payment, Defendant has failed, refused and continues to refuse to pay all sums due and owing on Defendant's loan account balance, all to the damage of Plaintiff. 13. As of August 28, 2003, the total balance due, owing and unpaid on Defendant's Visa and Personal Service Loan accounts with Plaintiff is the sum of$13,510.70 Dollars. 14. Pursuant to the terms and conditions of the extension of credit contained on the loan application, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest charge on the principa110an balance. 15. Pursuant to the terms and conditions of the extension of credit, Defendant agreed to pay reasonable attorney's fees and all court and collection costs. 16. Plaintiff has retained the services of the law firm of Godfrey & Courtney, P .C. in the collection of the amounts due and owing by Defendant. 17. As of the filing of this Complaint, Plaintiff has incurred reasonable attorney's fees from the law office of Godfrey & Courtney, P.C. in the collection of the amounts due from Defendant incident to the within action, and Plaintiff shall continue to incur such attorney's fees throughout the conclusion of the proceedings. 18. The amount of attorney's fees incurred in this matter is the sum of$2,702.13 Dollars. 19. Any and all conditions precedent to the bringing of this action have been performed by Plaintiff. 20. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. COUNT I WRITTEN CONTRACT 21. Paragraphs One (1) through Twenty (20) are incorporated herein by reference as if set forth in their entirety. 22. Defendant has accepted the monies provided by Plaintiff pursuant to the terms and conditions of the Contract marked as Exhibit "A", 23. Despite Plaintiffs reasonable and repeated demands for payment, Defendant has failed, refused and continues to refuse to pay all sums due and owing on Defendant's account balance, all to the damage of Plaintiff. WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, respectfully requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant, William Bryan Lane, in the amount of$13,51 O. 70 Dollars, plus interest, reasonable attorney's fees in the amount of $2,702.13 Dollars, the costs of this action, and such other relief as the Court deems just and proper. COUNT II QUANTUM MERUIT 24. Paragraphs One (1) through Twenty-three (23) are incorporated herein byreference as if set forth in their entirety. 25. The aforesaid amount of $16,212.83 Dollars is the fair and reasonable value of the services/monies provided to Defendant by Plaintiff. 26. Despite Plaintiffs reasonable and repeated demands for payment, Defendant has failed, refused and continues to refuse to pay the fair and reasonable value of the services/monies rendered to Defendant plus any accrued interest, all to the damage of Plaintiff. WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, respectfully requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant, William Bryan Lane, in the amount of $13,510.70 Dollars, plus interest, reasonable attorney's fees in the amount of $2,702. 13Dollars, the costs of this action, and such other relief as the Court deems just and proper. COUNT III UNJUST ENRICHMENT 27. Paragraphs One (1) through Twenty-six (26) are incorporated herein by reference as if set forth in their entirety. 28. Defendant would be unjustly enriched if it were permitted to benefit from the services/monies provided by Plaintiff without paying the monies owed to Plaintiff. 29. The aforesaid services/monies provided by Plaintiff and accepted by Defendant have enriched Defendant in the amount of$16,212.83 Dollars. 30. Said enrichment would be unjust if Defendant was not required to pay the monies owed to Plaintiff, and said Defendant accordingly is obligated to Plaintiff for said amount. WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, respectfully requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant, William Bryan Lane, in the amount of $13,51 O. 70Dollars, plus interest, reasonable attorney's fees in the amount of $2,702.13Dollars, the costs of this action, and such other relief as the Court deems just and proper. Respectfully submitted, GODFREY & COURTNEY, P.C. . VERmCA TIO:-; I, Bonnie L B~rkoski. hereby certify th~t the following is correct: The faCts set fc,nh in the foregoing Complilint ilfC based upon information which J have furnished to counsel. ilS well as upon information which has been gathered by counsel 3..'1d/or others acttng on my behalf in t.fUs matter. Thc language of the CompI(unt is t.fjat of coun~el and not my own. I hilve read ,he Complaint, and to Ille extent thati, is based upon informatio:\ whLeh I have given to coume!, it is \rue and correct to the best of my knowledge, information, ilI\d bellef. To the cxtent that the conter.l of the Complaint is that of COlL'lSel, 1 have rdied lepOr! such counsel in making tills Verificiltion. I hereby acknowledge that the facts s~t forth in the doresaid. Complaint are made: s\\bjeCl to ,he penalties of 18 Pa. C.S.A. '94904 relating to unsworn falsification to ~uthodti~s. ~:2.~, Bonnie L. Berkoski - , .., Date: ," / Dc......."t.t: II !.j;.r:2 i ~';~r-.~~,~.~.~.,,,l'.~~<..:,~~,.~~~.:",~!,~r.~~~'" . ~~... .. . . . E,-,.,..:,~""i, .". ....~. . .. ... ,V)Orv:."j l"? 4;, "J lC', _"~ ' : I/'Y ,I nJ6 W::il::.~ &;)<"1;1 I ~"! PENNSYLVAN!A S /ATE EMPLOYEES CREDlf UNI6N _____._.______..______~.____. ___ ____ ~,~{;;;~ '\.i:,r- ~L AppJ!cation lor Personal Service loan Of-F: ;1' l;,~~ ~~~"~UI~ f' r: ~.;'\.".''':-'':.-~ f1.....L',.KI u, ", !;l(n1!l;/'IlJ.!!Ifr!tI"'~' '1I1.ll"I:J.""'WJI~.\l.IIL'I~.L.J...'''~' "~'" BIt' , . ," I ~ HI:~ 1".t\~!';T/Jl'f;r'T.'J.ll(11i ,""f.im:fF..'11!',:tIj~....ffll:" IfjJ:~?[t:!J "'"_,.....'0.. .te;..',,_'. "_.' OAT("'C(OtI'H(~'UKr; .11 I.J "W:~.~f/l N,me _L0t"_b~LU"" P ,~-- .,~:;~~~i~"'Q~~-~:0-~~/ ,I.,~~""."I"..~,;",'.~~:-;... Socr.'t! S('rurrly No ~?~~Lll,~-0 DAle or 8irl~~+L5'I-)-1L- ..,~ljLJL_:"'_ ...-- s .:.MAC __ r;;(, b \ h 0 s--'____ .----- To be R~'d fly e:::...',f.'e-c1 dforx-s1t: ri', rolf OfI.du,~ho!1; moroh!)" ()\,POf'S S__L-,,_____.__ S m________ [] YES I,Wt!~.I(\nyM'DI~1()(af'crM'or1"'I~;('("IIC9L('anxroun\'nana.rnou"'NJI.,,'J11nt~lt:Sllril;)~'vrOv(>(jby L 1$ 7' /.j S 1;- ~'/I ~ C.oo.t C01'\m"tp.€ ot P",,,n~;y'\'<ln'<l Slille Emplo)'ctlS Creelll Un,on. tJ to;, IflcPfll(J In equal pay. - --~)Uf-'-- ------..--- 0 NO (~Y,.~, rrw;onls nell".,.. tr("l"t'nt~) 1/',.11'1 mo"lI'1:y floO' IH~S !ni"!n Ihlt minimum pA.,.m(~nl s:hQd\,les;l~ appfOVI'(! l.___l_~ _ S I :.@$rA':l ItQl'"'ll;Mf! In h~ ny P~nnSY!vflr<IA SInh! EmnlovM~ Cf.~it Uhi{J'1 tn i\CCOftjanCIl will, Tht' NOTE and l_ L_ __ , ___~____. PERSONAL SERVICE lOAN I\GHEEMENT l/We !>Ut-mill,,-!- rOlIOW"n'J inIOlm;m(l'1, tIll of ""'10(,1'> 15 ~~~_ ______ S true!!l:Xl compl!"!? /HY11 We itg'fo'tl to lurn.s" ',nIH1e,,,. stnlemllnl5 !rom!rme 10 ),me ;l~ e'Mrl UOIQI'\ m~/ It!QtHlsl a:"~ PIJXr'I'!!Y nollfy (;'0011 Un.or, 01 char-.ges 01 i1tldross, I>mploylYlerll.11'l<llrflls'IC'iI! CUl'H1FN'l' Ie"''''. pnr- ~ L~Ll ?' 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"'.'~;~ ~,: ..J~)... ~'.. ~+F.\~'~'''l~~'Ci'l'f''''::''l-';''-~f~'~,~~~~~~l..~'l'~'(':''''''~''':::''T.f'''lor.;~!~~~~..:>~~~~.if~jl~il~~""il)" :--::Tt~~(~"',:;:'....' ...:.:.... .;:':...... .......>~:.... :.....'.. '", . "..:~'\f.:r: r ~ ~ ~ ~ ~, ~ fi t ~ ~i' ~ ~ tl ~ ~ ~ I , 1 l ! I 1 I APPLICATION AND NOTE PERSONAL SERVICE LOAN AGREEMENT Date ,) :'t'; Ie, 1, For ....ve I'I"NH.-.d. I w. f' "'>fly.an.1 '......~',ji~i ~r....>tW 10 P"l"O r.. P!''''''~!,''.I'''~ ~t"... f,.IpI("r.....~ C'M'l U,,>(><'1 ,,, ;vel..! a-. a>nOlJ'll l"QIJ.111o 1"1- '>\lm approved by tt,e C4wdM CorrfnlftM 0' ~'ann!.y'v""" ~j'1I1. E....t..')f....' ~_~,~ lJo"o-'~ !l..... ",'1('"-,,,"'1 ...,""1;')'" .",_.... ""1<,)\' ,"'.hl::m"""~ ",., l.'~" ""'l"""!!" ''',1''. "",,,It'I\, ",,:h "'h",",st (')n ,,"p.\,tJ bel~'lllll!''''ar.n.,lIi'..I. 2. Th. "r>p'o_<:: ..."" _hllll h<OIl<l n.. ,""I"", ;,'. _-01""0 l()<!l!'l ."'l-.r.1 ,,"'10.1 Ie-. "','....'.d hv ,>..",~ \1"<1" ,_" ,....l...~HJn..,' ,,' t1~'''''' 1'1[,.,.1,," 3. Thfl.'P'"~""um ,S,nI"OOl!l<llot)oo'"II1i.t>'.It( rn 1"''''.'0 1"".'0 !". """"''''Q"'f'"d Of .Imo..tl,." '-"'. 1'1""";:"'" (,! tn......" ,I ".......'''Dv.. up"',"" ," tll'" JJIOIVL,h'<l1 r8IQ~~'. "1". .">VO~(ll<Jl"'"' V'\' 'e"ln:J~ ..wl." !l,. Arf".CJlt.on".."Oud....... ......c....."1 COt.....r><._1<"\lll} .,...I"o<<1;;:....J [....I"'r1,,;t' 01 $!'iU."$ ..ndllA1<l b~lft"n' IS :~","~at\"'1 redvc-..:l. 'to,. .PP'CJ'Y'!IOd '1I1T1 '~II!I two ....to""",.I,- .Hf 'O'_.d Ca"'''HI'O<'<)'O''{)'y .( !, 'itQ\J~l!1~ ,,..,, on!' 01 I"e '-""'~~"'~"'!'<j ,....'1 r;" Iu-'l ,."1 comr....... .,,'P'o.{H'!\.' 1" C''''''11 U...,.:)" It' 1''JNI'!'t'l, "0"" I,,",,,, 10 I'...... Ih" "Drr(1v~d ~u"" (If IIny I~~er 3mOUr>I' -~vP'lI"""", .,,!, O,,'tlA"(!rr,{,' ;'11,,1 ,,' "'.' j.'.... f>(ll ~'" 1">. ",^(V" H'." I"~. t.p,,'''_r1 tv'" CHI':.tl, 'C Ih.. Nllly .p.(]vo':.h:'9 11\0 mon>:>,. linG H'c Un(1fH~IQnN' sh~1I t ~"fH1hl!'l ~li tlf" t'MnHt 11"<1_''''')' l..t>>.. 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IS ":PPROVED. AND' YOU 1'iA.\l1 NOT FllL.EO OUTTHII PORTION, YOUR CRE()jT LIMIT WILL BP. ESTAbl..ISt4EO OUT YOU Wll.l. NOT REalvE ANY 'UNOS UNTIl. A PtiONI!OA MAlt. AfEOUEST IS RUBMITUD AT A LATER TIME, UpOr" app'O'W.1 O'l "'0' P'!'.'-Ot"!.l s,.......'c.. loan 'pphC/lhon plellSE" Mlnd mt' an lIC1vancp. Illlhe .mounl 01 $ PurJl~OI.;:l...at'tC. , , I Uftf.....,.Jt(l 'h.II"~ amount pllh.. pilymenl '1ff,II I>f' accC!rd'''9 10 PSECU ~ putlhSM.f'd minImum paymenl ~~uh!..nd Ihlt/lrsl payment wllll>~do.30da,." lrom 'nit el* DII'I tht' chKk ,nlWd lor 1"15 .ovaI'1C..!' .- REQUlES7TO PAY MORE THAN THE MINIMUM PSL PAYMENT " ~O'" ...., to ..... . .(;I>...hll" hI .........~I., I".n r."m.."l ...... '''itll It,. mu...!.u,,, f'\,llymtllll rlto"'" ",dlt:al. till'" S : 'f:_ al-w....~I,. P""rn"/ll ......;.,' .. 1 SIGN Ht!At! ..,' : ,..,:'l;.:"'\ ~t:>;3;~'. :~ ,1(:.,...." . ,'f .~:,~~:: .t:.. ~~.;:f:....,',:.., :,;::~:'~ ;':::\ ~~ ,. "I,. ."' ., ' .! ", "~ ",' ,"' .j,.;:)..I. ~ ';."' . 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",... _ . ?! ., .- ':.1 ~ .:! l: -1 .~ .;d :.. <> U ,.,.' u' '" ~ ;: Ii: ,. --- .-- --.. -.r ~; " ::> I ~ r "'\-, .:-......"~". ',~ ~.~ . ,.);.~1:^~.,1~J '.' ~ ..~.jtr'....''J '.' .,..,.J .:;;')~~~;~~ , "1".~1) .....)$I,rot'.. "" ~ .:; 'f'r\:~~;'f:~:'~ " .' ~! " , ',,"':""1 , :/'j ;"1 '" , t' w ~ ~ ... ,,:~ .,(....'. ~...,,\ } ...:,;; \ '.: ..~t1. ., ~~:~ ..... j ro ..... ,,'':-i. """. '.: ,-, ~ .,"....'~;.j.., .;o.,.~ .,'....:;~.j: , . . ,:,:r ',~' . \ ' , '.:}ki;~ i ..' " ~ ,,'" ,\i.. . .~." .' ..(~ "~ , ,..' .. .,1:" ~,';;i.ii ,"; ~ ~, .,.,('...~1: :;:..} :~:;5i;: f~:~i~ . .....".~. .';" ......l~ :,(.;,,: ::, {..;~iii}~ ''', '.' .i.,..,.3~ ,,:\;ii4~ , ,':~7': r~:;:;.,::~::tfg:~.~"" ,.; '. ~ ~..' i , ,~ " ~...", ., ..... ~ . - ;,~ {~ , ,~, ." :. " -' '-' ~ ..,a.i!! ~,I ~ :l !~ .,~ f." '.J ;:. c:~ ~.~~:~; ....'" riCl;4l. .ii. .::'1 F ~ ~n :... ,."t. .,' 'If'" l"'~ :" ~Jt:~H; ;of: ..' ~~,:~H - .1.... ~ i:. ::'1 ~ J f:. . '':' '_"? o. I i "'1," ; ~:, w q ~ ~,;' ~:~ r:: .~ q ~ ~t~ i " .; ;; U ~ ,J ., ," '" " -- ,. ..;:'; C,I :.1 " OC(.,: tn ':,1 :; !~ >~ .. :.I I: ~: '~j [ .2~ r: ,,", ':" i:: !..3 .. ~,:o;1 "". c, I-j . :~ , , ... :~-..t.:'W:"'" " ", ;:)~j .'1,,' HlIiS L~t:.K"" U"'OQ'Il ana ~ ~rIt., wt-kh h::!vde:s 1he Tt\.I'Ch 1'1 L.end'1g Oisdosures. """ be relerre<l to as the Plan. Tho PlaJl ~ h:ludo """" ....~ sr>:l an A<ldeodum. You, )'0<'" and bo<rowo< me4t11rrj pe<=<1..r.o ~ ~ Pw\. Crodl1 Un;on,~. our,net U$ mean ?Sea; or &.I"l)'OOe Io....-horn !he CnJ.Cit Ur-*::x1 tn...'tS5ers;:s ~ underlho Ps.,lJ1., Thesis a ~te document 'I'I"hk::tI rr~/ be us.ed' to ~ 10 borrowe-rs in all S1.atl~. 1. HOWTliIS Pl.A.'1 WOAKS - This es an c:.s:~n-er.d. mlJt"J-featur&d cred"rt plan. We anticipa:e that. from tirr..e 10 time. )'W...,,11 t.crrcw mc<,f'f!'j (called 4adva.rlces1 ur-..::Ser t"loe Ptan. We are not required to make adval"loOeS to you undet th<l P1an ao<f can tefl,J'S.oe . rc-quest to< an ac:fv3noe at eft)' tfm.e. ihe ,A.6::l.endum de:scrt>es the Ot'..ereot types ot cred"rt (caned ~c::countsj avaIlable u~r the Plan, the OJTTeot interest rate 10< each subaCCTXSnt e.xpres:s.ed 8S a daily penoolC rate and corresponding anr..ual peroentage tale and ~r d"larges. ft n"'.ay also ~ other terms end a schedule fox determining t,'1e p.aymenl arro.:nts. 2. CREOIT UMrT - We may. b..A do I'IQt ha'..-e 10. estabiIs.'1 a O'ed'"rt Ilmh 00 c:er'.a,!n s.ubaco:xJnls. tf a credh limit is sel for a suOac:ox."l. )'OU pc-cmJ:s.e no( to e.xc&ed the e.sUblIs.';.ed cred"rt IU'TVt. tf )'OU exc::eed the O"eClt 'mlt., )'O'J ~ &0 tepa'! ~'ely !he &m<:><Xtt ,..;,ic!\ exceeds 1he cne. &m;-, 3. REPAYMEr-fr-Yoo ~ to repay all amounts)?oJ C'We under"the PLan plus lntenl:S".. Payments are due ()(l the last dirt of the month Lrkss W9 eel a dCt".ererl( c.a:e 2.: the time of an advar.::e. ft the Adoeock.,m N.s no payn;e.nt schedule k-r a suOaeco<.-m.. yoor pa-,me<1l will .be determined 0.1 the time d e.ad1 .dvu>cE. Payrr..e<rts must Irdude any amour-:t p.asI due end eny l!fl'1OI.JI'lt by ....nich )'CKJ N....-e exc::e-eOed arry cred'"ct Ii.m?t )'OJ h.aYe beoe<l ~i1 fo.o a ~ "'(ov may repay a..' . 0< part crl .-ma' )'00 owe ., any time without errj p<ep.t)1T>er.t pet'.2lty. e....n r )'00 prepay. )'OV .....111 S"..iU be re<(uire-d &0 maka the ~iat1y s.cheduf.e.d' ~nts U'\less we ao;re-e rt Miting to a c:t'.ange in !he p.aj'T'Tlen.! sd,ed\..ie. tf )QU have a pns: s.'\are dra~ o.ccoont. )'00 "'~ be responsible ro.- pay...... .~ overd",~ advances obta1oed by ~ joint ~r or ~ s."l.are dralt 8o:::01.,."l"lL fIa:r1nents 't'<iJt be appl"iOO n the order the 0-_ Un;on chooses. .c. PLAN Access - Yoo eat'I obtain cred'"rt. advances in any tnal"'tt\o!r auth<Jrized by us. If we arloYr')'OV to use)'OUr ATMIOebh card to access the Plan.)'O<J may be &able lor the L"'l"I.authorized vse o( )'Our ATM/Oebit card. You '\o'(l11 not be rL3.!:le lor unauthori::ed use tna.: 0X1Jt3 arter)'Ou notify us. orally or in writing. of the Joss. the,.... or pos.slt;l.e unauth<lrtze<f use. If )'eO belie-.-e ~r ATMIOeb4t card has been Ios: or S'to:.en. ~l.3.tely inform the Cted"rt. Uruon by caUing or 'Miting us at the lel~ number (K addre-ss t'1.a.! 8pp.ears etsewhere in the PLan. If the card Is used to dJtain advar.:::e.s d1redfy from the. PLan. )'Our iabi'1icy 't'l"iU not exceed $50. ft the unauthorl.zed' wftl'>CrawaJ is from a share dr,Ih a<=<Jn~ )'XJ< Ilabllily is p<mri>e<l by IIlil R~1ioo E crcSdosJ.Jr~)'OU r~~ at the ~me ~ feOe(o...oe.d rovr A1lN'Oebit card..evefl H' tr~ wftt>:!tawaI r..ut-..s n an .~ being made trom )'OOr CW<t!m, ~""""':- 5. FlNANCE CHARGE -The dollar amo<.mt )<Ju pay "'""ooey bo~ ~ caned a -rnanoe charge" and beg;ns O<1lhe da'e of each .dvu>cE. A firIanoe charge ,,"U be """"""ed separa'ely ro.- each separate baJaroe lJr'o(\er lhe P\an. To ~e the fno.noo ~. !toe ~ b&ance Ie< each clay """'" )<J<.< Ia.st pe-,ment (0< s1noe an aavanc.. r)'OO have not)'at made a payrr>e<>tJ is rn<.J'Jpl'oed by lhe .ppJ<e.b'<! claly , ~ me. The <urn c;( ltiele amour:ts Is 1he tIoanc:e c:twpe owed. The blolarol , usod to ~ !he "'""'" ct\arpe Is lhe ~ be!ance Nd\ d<:t a/'.... po.ymed$ :, and cro<fu to the:! be!anoe ~ been C<.btracted and any addtlons 19 the ba1anoe I\e...., ~ made. n Idcltk"flo ~ we m8j' ~ oltwll<woo cho.rpes y,foJd1 are di:scJos.ed on the Adt:1IJ~ it the ~ rate Is a ~ ntere:St rate, the kldenCum ~ t>ow lhe varlabIe nterest RIte WO<ics. 6. S ECURCTY INTEREST - The Plan is ~ by !he "'.are$ and deposI:s' n .~ Join< arc r.cMd<Jal ao:ooo<s )'00 I\e...., \'oith !he Credit Union nc-< and n the Mura. Shares ~"'><! eeposo:U In an 11"Jd'"r.iCua1 Retiremer.t A.co::xint and I1'rf other ao::o..:nl: .,..t;;.ch '\iIo'C>I.:ld Ioo~ special tax tream.ent under sta'te (K Je.6eralla-H 1f gr...en as s.eo.mty are not s.r..oCject lo the s.eo.zrity merest )'OU ha...-e ,ivoen ., )'Jl.o" s."'.are.s and cSeposns. ~...or.a! J.eOJrny may be required' de~ng 011 It;.e s.:.:t.ao::xx.'f';( I..nOe-r ~ an aevance i:s re<:i~&C. Fot exarnpte. a J..t./Cao::oI..'I""rt calt.el.,.'l'1( caa:.ed ~r Seo.Jred A....-'vance~: ~ y>J ml..~ offer seoJrtrj 8~>ptatk 10 It'Je Ctedft Union b' t";e 8eva,'"ICe. P~rty ,~n as s.eoJrit'/ k>r arty ae.-aroce ~r U".e PLan .,.,.'111 s.eo.tre all 0C'>er. ;a,'T.<X:r.ts Y:4J C"vYe l.-oc~t the P1.Gn 0( l.lf'"Jo6.er L"T'f ocher Acr~rrt l'l"i::1 us f'1C:-H or in t"le h.'l"'...:re. Pr~rt'l $.?c:.;rir.g ct."E!r Ica~ ~f'.."l L"S rr.J'1 8!~ s.eo.:re !:"Ie PLan. ~~r. ;t y:.u ha\0'3 gi...en y.xlr dwe1rin.c as security fco( . k:-an 'I'o'i:i l.:S. t"tat Cwel!i("~ l'oiU I"lC't s.ec.:re Ul aMnce r;"'.a~ ur<<r lhe Pl.ar,. 7. PROPERTY INSUR.A..l..tCE, TAXES AND FEES -You "":JI be ~weC 10 pvrc::h.a.s.:l P'"OPert"j r$.lra.'"lCe 0"1 cer".,a:n !'f?es cf seo..~ rt-.a: )?.I C~ b' &:Yar:oes. Yc-u m4'! ~ t"'".e ~roperiy r:s.ura.""c:e fror:-o .~ )"':XJ cr.oos.~.....no is~ \0 C"".e Cr-eo:t Uriion. ~ ~ &~ co-.-a~ cf!he ~ nsura."'ICe ~ bo3.~ k:: L:S. 'rbu ~I ~~ tJe ~ hsI..'l'"3J"'Ol' t"'.rov;:n II p:.O::! )?J a!re.eC! t-.a-.-e. or c:c.v-u.1.I:..:T1.;..I..:.. GPO.."". l~. t:!.~. eQ. e? r.'. ~ FY'"...-H/S P.eSER.'E.:l III ~~(:.II ~ 1IYou;;I1 a poFcy :pJ Qe< and pay Ie<. -- ~ 10 rna.<e 1he h.. _ ~- payab<e 10 '" and '" deg.....-lhe poOcy 0< prooI 0/ ~ 10 US r ;.,:-:.""" P<h:t -l:lclolO. r)'OO caneeI)<J<JI" i=Jrence sr>:l ~ a rell.rd. we have . ~ 10 !he prope<ty Is Io$l 0( clama~. we can .... t-.e ......"""'" ~ ref"'>:!. ~ !tie property 0< eWf k ~ M>a')'OO owe. You o.c<t>orlzs '" 10 eoc:o...lo "'Per< lhe c!>edc ..nc, rMf be pa-fl!:le to )'C<J n O<<le< b- '" to c:olIec( llr1y "'t c!raIt 0< d<Je under )'OOr iosuranoe poI">:y. You ~ to pa-I all ~ ~ 0< be.-~Iits regGtr.l1ioo """) dU<! 001he properly and to keep the properly hsu,~'"<j ~ (Oka and slama.... . allainst loss <<)'C<J do "'" pay the taxa$ 0< """ 00 !he ;..operly ...nen d<Je 0< k.,. . may pay t:'Iese OOliga~Q(I.S. b.:t we are not required to do $0. Any ~-:sure<:'......e b' taxes, ie-es orit\$urarx:e 'WI'll t-e aQd.ed 10 tt'~ unpaid batance otU;:""'l we $pend )":XI MU pay inlere~ 00 those amounts at tt'.e sal'1')e rate )'OU a~r&oeod t~f'3rr::e ar,(j edvara. We rr.;ry teceNoe payments ., OOr'i".eetion 'Mth tt",e ~ 0 Pay IXI ~ company whkh ~ lhe -=ranoe. Wa rMf monitor O<x loons k,,<1lroJ horn . 0/ detarmWog whether)'OO and olher t>orn:>wm ha", ~t;ed -..;u, !tle~~ tequlraments 0/ Its Ican 'Q<oeroonl$ 0< rMf eogaoe ~ to do 00. '!he '--~ d\aroed aclded 10 yoor edvaoee tna"/1nclude (1) lhe Insurance ~ .-."" to '" and (2) lhe cost 01 detsrmlning oompllanoo wlth lhe nsurance req~ .... eO:! amour.<s' Ix ~ fee$ 0< r.suranc. 10 lhe U<lpal<:l balaooe o/}<Nr a n<s. ~ .... =i h:reas. yoor pa-.rments 10 pay !he a"""-"l eclded >ofthin !tle lerm ~ 1rt$J.:rance 0( ~te term c:{ the adva.nce. e. NOnCE - t1)'OU do not purd\a.s.e t"l.:3 r-e<tuired property hs.u~, the hsu~ ~ rna'j p.lrO'\a.s.e and chartoe ~ b- wttt o:Ner WI our Interest n ~ property ~ In.sul'"iiIn-ce will not be ltablllty Insuranoe. . 5. CREdrr INSURANCE - Cred'. i1a .odIo< creClt 6sabo11ty Insu"""", Is optional t..nder tt"'.e" PLatL U )"OU quafrly be" and pu~ the fflsuranoa from L:S., )W alhJorlze '" to add lhe hsutanco prernlc'm$ rnontNy 10 )'OUr loan balance and ~ lW irlterest 00 the enLi"e ~ If )'OU elect eted""rt ruurance, )'OUr p.ayments rr.ay Increase or 1he period. of time ne=acy 10 repay )'C<Jr advanoe rMf be extu-ded beycr.cllt1.e approximate term stated co the Addendum. The cred"rt hsu~ rales may change dul'ins the Ptan. l1 the ra:es change. we ",,1/ S'1'oviC'.e any notices rec;uired by 2;lprlCable law. 10. PERIOOIC STATEMEm- - On a resuta~ basis)"OlJ .......ul recer.-e a S"..alerr.ent s~'iog a~ transacUor\S under tr.e Ptan during the period COYered by the r.atement. Sta:tel'l"l.enlS a:'ld notices Mil be sent (0 )'au at the mcst recent address ~ hav~ . ,iYen us In writing. Unless apprlCable law requires notice to e.adl joint bo~r, notice 10 any OM or you M1l be notice to a~. . . 1;. JOII<1' A=UIITS - ff INs Is a}o1tltle<:our.l. each 01)'00 is h:rr.iduallyaod j&111y ~ ro.- paf.og em o.toounl$ owed. That means "'" can enfoo:e O<K rlgl<s .'<'der lhe Plan .~ins1 any one of lWlndi-.iduaJly 0< .gainst .1 01)"" tog.e~r. It you grve us hcz:.n.sls1ent lnstruct.iorts; we C3f\ re'~ 10 i::llSow )'OUt' /nstn.ocl;oos. UoIess our,l'<rlllen poI">:y reqUires d 01)'00 10 s91 Ie< an advar>:<, aaell 01 )'00 .ulhor1z""lhe ott>er($) 10 obtain advat>::es r.cMdualty sr>:l .,r~ 10 rap<<! ac!var<:os made 10 lhe o<!>er($). . 12. FEES AND CHARGES - ff )'00 """ '" a oocurlty nterest h certain ly.>eS 0( prope<ty..... rMf charpe )'C<J a/'ir<1g ~ 10 perloc< o<x Interest n lhe properly. K fO. , lhe &mou'lt 0/ lhe Ioe -...tl be ~ 10)'00 e: lhe time)'OO ot<U1 an a<Mnce. W. I rMf elso ~ )<Xl <:<her fee$ n CCX'Oadlon M:n !toe Plarl. Those .... are , c:<<losed 001he Addend"" and -..ill be added lo )'OOr Ioa1i baIanoe u-less lW p<<! ' lhe<n n cash. 13. UPDATING C;REOO INFORMATION - 'lW prorrl$e !hat)'OO "'. r:'""'">'ll;lYe '" .me"" notice ff )'00 """'". ~.. )<J<.< N.m<l 0< empl<;'fmerl. or.r ant o<her IcIormaIioo you pro-.ided to '" ct-~. Upon oor re<;oest)<i<J e!so .,.,... to p<1>&< t.."S lJpda.:ed tin.arcial JrrI.orma:)on. . . In /d4ha 1-'. DEFAULT - ~ follcw1ng F4r6g,..ph Mppffe:s to bc('fT)Wtf'S ka ~ K.tf'1S.J.$, 1ri4f~ .nc SC<Ith c.roIlru: You w\l: be k1 ~ear.tf: It )'OU .00 ~;;ar W9 pa-,,-mer:t of the a."'nOl..r.t ~ Mieo !t Is CI..'e. Yoo .,..:U a~ M ., , (voe<l berJeY03 t"".e prospect of pa-~ per.cr.r.arce. or ,.....a!"'l.l:a~ on any ~rtt, as s.eo.rrltj i:s .l.;nlflCan'ty ~irfXi. ~ folfowfng p.4f7fgr6ph Mpplks only to borrowers 111 Wls.:-or.:sfn.: YOIJ 1~~~ C~faL:!: if ~u fa:1 t<l m.a;'-~ a pa',,-rnenl ""t~!'l Cl..~ t.....:l tir:-,es CU~ a.'":j 21~f.a~ p.erlOC. Yc-u ...~1I ~ in d-2!aI...ft 'b" bre.alGr...; L"rf ~~ rr.G~ :~r C';o9 ~~ I.~ ir.-:p.airs Y'.....r a:.i1fr/l<l repa'! what)"::"'..: ~.YC\J.....Hl e!:so ~., ~fa,,:j: it aMrce. . '--,' 4- . ,_~~a,'. pr~\SC! mad-e uneer e ~rrt'!....;~e-e....~r:t n"'.a~ lI"l cor....""":,""",,, ~ ,,, ~rrt you rr.ataf.a!ly irnp..ai~ tt~ CXlC"~;on. va.rt..~. Cl" ~rO(e-c:;';<: of or cx.:r n:;~ rl thoe ~ ~'~as~r*'1 . .' . , .."... . . ., ~r.c.e!au1'( 'Tn<! lo{{owfn~ p4,..gnph 1Lr-"f:'/k:s O<Ily 10 ~ In /<;w'"8:You ~ i1 (l.d3UI't' If y....v a,'e r.-.cre C".a.'110 Cays late r: 1T'.a~ a ~j'.'T~ YCOJ ~ aJ:s::''to; . . pXCIJ~"'l:" . ~.IC:V:C1 ..-s;C(~1.,r;:J1. . ____ ____. ._" _-.-.-_~ _._................... .,.......C~l"f1"r"~an~U"lidoer ",,"PIa,,- ""'~t>ol-l""!a<4tr)"<JcS<l.~ k,.~.~JnsoI'.oo<<.r)<>U """'" ""Y Ia!se 0< tnls'.,.d<-oQ ""emo<<s l-lo"y cre-:r" appGcatJoo 0< upd.a~ 0( ao6t .-matio<1. or It something /lappons "'" b....... may SLbsta.'1llaJly radueo )'O<.~ .oblllty>o rep"l(..nal)"O'l"""".YO<J w'JI abo boo l-l do!au1t '-'<'4orthe Plan r)"<J an... &rlalAt t.nde<' any 0Che< Ioet\ ag.&G<l1+.~ wtth I:J$. 15. ACTlONS AFTER DCFAULT - 1M (ollowlng p'NlgNlph #ppl1u 10 bolTO"Wef'M In CcJcrzdo, DIstrIct of Cclumbl.s. 10wl.. KMnu$. l.U!n#, J,-f.ss...uchuutts. Mlsscurl, Nebrub. West 'i1~!r:14 and South CJrotlM: Vr'hen yoo are i1 cSefautt and after 8X;)lrat.ion or 8IT'J ~/":t )'OU M'w'e undef ~ CUle law to a;~ )'>0< cle/acil. "'" C8t1 d<mand rr~".,;;a'. paymerrt of the ""ti~ u-paJd t.aJ,anoe under Ihe PW1 wfthOut gvr,g )'OU ad;~ Mtice. . ~ following p4ragraph applies to borrcJ~rs In all ethet sWes ex~Pt.. ~tn .nd Lculs/.!n4: \VhcIn )9U are !' da~ul'!. we can rcquire r.vn.a.cL3te p.ayment (acceleratioo) of ~ entire l.'tlpa1d C<l.!a..nce l.lT'lder the P1.a:\, Yoo W3iYe 8/"r1 n,;.nt )'0<1 ha.... 10 clemaJ1d kx pa;;.neo<. r.o<lce of ....rrt 10 ."",lera'. and oo<ic<> 01 ac:oe~rat:ioo.. T'J1..e tcltowfng p4ngrxpl'l.f #pply to borrowers In alllt.!toS except.. m~n .nd L-ovlsUru: It ~I. paymed. b~. )'0<1 ~ cxxrt:....... 10 pay Herost ""til,.,na,)'O<I""'" r-.a.s l:>o<n ~paJd. a: tho ."p;cabI. l-l,.rest ra'es l-l ~.ed ur.less . clefault "'~ Is ~ on It-.. A6de<>du-n. II 0 domu>d kx i-nmodia'. paymerrt has b<>e<1 mada. "'" ~ and deposits ......n a.s s<>cumy fO< lhe Plan COil bo ~ Ww'3..rd:s ~ )'O'J ewe. We (;a!1 a!s.o e:z:etcls.e erry o~r rIQOts s;r\-e-n tt law ~ you ll.re ., d-a~L.'t".. Yo<l .~ the C<e6t UNcn has lhe ""'" 10 w.. p==1on 01 L"Y pn:>perty ~ as S<>CUt1<1 fO<an ~ .....c.r..... P'.an\'<ilho<.~,iJ6cIal p<ooe$$lt lh!:; can b<l d<x.e wi:t>out b<..d1 01..... peaol. ff.... ask. )"<J ~ to <lor.....r lhe ~rty.. . time and plaoe wo choose. w. ~ilI 00l be ~ kx atti' other pn:>pert/. no( CXM<ed by """ AQr"""",n~ lha! )"<J Iea;oe ~ 1M ~rty '" thal Is attadied 10 lho property. W. \'<ill try Ia<etum.....' p<op<rty 10)<)<., 0< maka ff aval<able 10)<Xl 10 c!a!m. A"tI:1<we ~ pcn: .~ .olttle pr-operty.we can self land ~.,tne ~Io 8lTf amour.tS )<Xl """ ..... W. y,U s;;.... )"<J r>otioe 01 arrj potrc sale. 0< the elate .~.....t-id1 ". privale saJ.e wm be hek1. Our e.x;>et'tS.e:s k:,r lak!r.g pos:s.e:s.sioo cl and s.eTl~ f-,.e property ",,] bo d<>duded from the mc<"I<)' recer.~ from ..... ...... Those 0""" ""'I rdu<:le lhe ens: of "'<><ir9tho p__rtt. prepar'rog ~ k>r $ale end ettomo:(' laos 10 1M ex:.er.l penri:ted U<'d<>r ....,.law 0< awa:ded U'lOor~) 01 the ~~. Tho rest 01..... ooJe rtlO<1e)' ~ be appI'>ed 10 ""-'t )<Xl """" LK>dor the PIat\.' 16. ACTlONS AFTER DEFAULT - WISCONSIN - n... (ollowlng PM.gNlph .ppUu ontyto W!sc:J.('J.$./n bon'owers:'fVhert)"CO are tn defavft and attef~ 0( arty ril;/rt)<Xl ha.... under appGcable Sla'elaw 10 OJre )'O<Ir Oo/ault..wo may reG<k; ~'" paymeol 01 )<><X wtstar<!ing IoaIl balancoo .,...,o.r the Plan and _ r: H ~ S f:n <>lth6 property.~ may-..ofuTttaritygive u.e property to us It)'OUchoose, 0< .... may _ to tal:e pos-sesslon 01 the p__rty by j<Jd'<;laI ~ II .." r~:- -r.,.- thoe pc-operty.)Q!J .cree to payre.uon.a.bLe e.x;:>en$O:$ hc::urred., di:spo:slng 0( !he ~rty.1I the p<op<rty Is . molo< _, moO<la home, _. .. .".,,>abIe, boat. .,.. aIrcraft, )'0<1 y.t/ also ~ re<;c;re<llo pay ""Y costs perml:led by Sedlon "22.~ 13 01 the W""""'*' StstuIes. '17. ACTIONS .AFTER ~ - LOUI51A.'U, - Tho ~ ~ ~ <>->Y fa ~ ~ \'!hen )<Xl are ., do/Wl, .... can """*" iT>("( : 5.... peymo<l< ~,) 0( f>e ....... urpald baJaNoe U1Oo< ..... Plan. "\t<J "",:.", arrj rift )"<J ........ Ie rlemat>d b- p3)m<<"t. I"lOISo3 01 Hart 10 ~ end """"" d .......,:...Qo. r ~ pe,monlls clemar<Sed. )<Xl \dl o:rthJo 10 ptrj ~ ...-:d _ )"<J 0....0 "'" 00e<1 repal1 ., ..... .~ble Harest raJas l-l oIlect <.rless 0 clo!W: """ Is cisdosad (>'1 the ~ It. Oomand b- _ ~ Ms boon made., .... chares &t'd deposits gw., as ~ b-the Plan can be ~ ICwaJCs _l=GW<l.Weca:la.!so _artyo<hert'q"ilSg-.-en bylawy,f-..n)"<J.... . 'n deW.Jt..-d = ~""-"'!f saartl ~)'O'.ANGlNG' THE PLAN - 1M ""/lowing pu-rgtsph .ppl~ orJy fa ~ In I/lnc/s: We haY9 tt-.. ~ 10 ~ the lefTn< eI ,... Pla:1 from time 10 time 01,., """'I; j<:'J arty .~ r>:1tloe f"eG'Jlred by law. 1...". ;ha.~ 10 the Her.... nee c< other ~ ",1 aWl 10 Me.... .c-.a--.ces. rn.e tof/owing p.4r6grzplu ~ply r>r.fy to bo~ In Y,7sccr...s/n: We Ca.:l :r..a.t"IC--3 ~ telTl'tS cf the PIG/I from ~ to~.e i1 a~....f:1 ~ .(22...415 if Cie Yr~ Sta~1e:s.. Yoo....l,1J ~ (IO(.T,oo ef e.'"r'j d'..a."""-9 i1 terms. J...., r.c::re.a..s.a 1 tt'..e CaJ.!'j P'3~ ra~e l.~r a var.a.:.t.a ra~e i-:ter~ ra~e ~ rNt ~ a r.a~.,t.el":'t\Sl..'\""ld.ert';eP'.a.t'r. . 'Ie c:a..n ca.'"I091 tt'oe e<:tite P'.a..1 0( r..~ pan. cf t;e P'.a;1 8: L~ t:r:-.e, You (';".;::/ c:a.ro:-I iod f".a.1 at a.1)' t:r.;..a t:y ,rk..; l."S p-k.,. wrlhen r.:::t.'.c:e. Your otr~!k><': to FS"I C"-3 ryaJd t;.a.!.a.-x::es coder t"-3 \afl'T'-S ci t:">e P:.a., O:r.''':r~ ~o;-.er )""'....u"or C;.3 ~ r.ioo ca.~ t"".e P1.a.1, ~! ~ t""..e t:;::;e-r:( t"'.at y;x.'" iat~:irf is ir."~&d ty ~ 2:2....cts.so(NW~Sta:l.ie:s... . 1n4~"11~~tcbc.."L>.A~ lI1a1t~~W r%t< 10 cto.anoo ,... \e<mS 0( tho Plan from llmo 10 ~ _ ~ . ello...., lhe """'" roqulre<l by Jew. Mj cto.anoo l-ltho .....-est ,,,,. ... apply '" ~ any ~ end .. = ~.e.::.. aJ1d cU:jod 10 af'/ roqdrements 0( "PPlIcal:;" ....~. awlY 10 ~ be!a= -... Wi:I also- TIM IoIlovdng ~ #pPIIu 10 d l>o<:-:>wora o~ II>." ~:Ml-lcrees-o hlho da1l:iperlc<Xtll~ U"1<:l..-. ~henost ~ coosldore<l. ctw>oe l-l """" I.O<lef tho Plan. W. C8t1 canoellhe entire rale h r>o< part cllhe Plan a11ff1 lime.You can 'cancel1he Plan e, arrj lime. YO<x~~ arr" _the unpald b&nces U'lOor the larms cI .". Plan """tinu.. ~ ..........llon 10- Cred1 Union carceltho PIon. \"0<1 or ...... s.ctlons 21-25 0f'l'1y 1t)<Xl glv. --=rlty In con~on w.1'" an O<!-nnc. . tn. p.,n. ~ opply to t>o<row.... l-l 01/ ."',.. OJ:c<pl L..ouWcna. l.oo~~ borrowe", will execute a sepanl.~~ ~rtty agre-ement. B~ Ir1 l'\a .utes may .1$0 be ..k.e-d to .x~ . ~ S-&eUtfty.-.gt"e<<nom.. Qt,.""rer 19. DELAY IN ENFORClIlG RIGHTS AND CHANGES 111 THE PWI-W do<ay enlon:lng arty oi = r%;hts Lmder this f'Ian arrj l)<.'mbet 0( limes -..l<!-out · can ..... abo1l1y 10 axsn:lse = ril;I1ts "".r. W. ca:l en~ lhls Plan eoahsl)<>X hel.~ legal "'I"esar<a1Mos. ff .... charIQe ..... lerms 01 the PIa.." )<Xl ag... _ this Plan "^" ~C"'" to P"'lod us. ' 20. CONTlNUED EFFECTIVENESS - " af'/ part oIltUs Plan Is detem-.nod ~ a.. (;::C)I$"t to be L~. the rest......m ~..., el"..Qd.. 21. THE SECURITY FOR THE LOAH -You gMl us ""-'lis lo:no..n os u.o..~ ....r.... l-l L' ~ ~ l-l af'/ recelp(. \Q<Jd1er or o<t-..r """-me. t )'>U recffl9 19< an J...."vaJ>Ce ('It>o Mvar>olj. The oecurl:y -)'O<.l cr...1:dxIoi "" .~. ~ are ~ ..t-'d1 are &ttadied 10 orhstalled hthe property now c< l-llhe futJNl. The COC<Irfty rte<est abo h::ludes arrj replace 1M< "" b-_ pn:>perty y,NdJ )<>J Wy Mtt-It11 0 days of tho ~ 0< arrj exlatlslor,s,l"OOewa!:> 0< relinat>dog c1tho N:tvar>oe. tt also k1dudes arrj rnoo<rt)<Xl reoeIYe from..1ing It-.. p<op<rty c< /rom ~)"<J ha-.e on tho p__rty. ff the \'31"" cI!he property cledioe;s. )<Xl promlse to !;MI us mO<e property as security " asked 10 do so. . = WHAT THE SECURITY mrEREST COVERS - n-.. seaJrity 1rrt.1esl seo.T.SO ttle Aevaf'tCe des.::rl:bed in the reo::eTpt. wocheror arrjotherdoeul'1'WJrrt)OO t'9OeiVe at the time of the .AdvartCtJ and L"rf ex:er..s)oos. renewal:s or rer~ of ~ Advarca. tt 01$0 secures a."rf othor.dvances)W haY9 r<Hf or reooIYe i1 tile 1<....r.. . U>'l<Ier!he Plan aJ1d arrr c<l>er amounts o<!oa:\s. I--dud"<ng Irit ere<l1l card Ioot1, )<Xl . """ us lor arrj reason n<IH orl-lthe Mure, axoept arrjloall """"red byl<>"':~ reS1denoe..ff !he property Is household goc<!s a.s _ by tt;e Fedei3l TradE> ~Ion Cred'" Praclices Rule, h P~ -..ill ...",~ only lho Mart::o ar& tl9lolhef amoonts)"<J OW9. . . Z3:OWNERSHIP OFTHE PRDPERTY-)I,u prom"" !hat)<Xl """" tho property or lilt-.. Mvaroo Is to Wi ,... p__rty, )"<J p<omlse )<Xl MIl usa lf1<l Mvat>:;! b-hC purpose. You promlse !hat no 00<l els.e Iw arrj krt.1esl ., or claXn .~ It>e- p__rty ltlat)"<J t.a-... no( already told us abcut. You p<omIsa no( to sail or ~ lhe property 0< 10 use .os cecurlty b- a IoaIl M:t1 anclher credito< LX"llilthe NNaN>o I> repak!. You promlse l= ~ a.Iow no _ ~ rtelesl 0< 5en " attoch 10 lhe p<opo<1y allher by)<><X Wlons or by opo<allon d law. . , 2~" PROTECTlNGl11E s8:oRITYI!f1"EREST -It )<><X_. ~.Illlo b'the p<opo<1y. )<>U p<c:<nIso Ie t>ove 0</( ce<:ur':ty _ sl10wn (>'1 the -. We rnrrt........ . 10 Iile ""-'lis "a!led 0 financlng ~ 10 prota<t 0</( """-'"'Y rterasllrom ~ claJrns 01 0(/)0"'.11 asl:od 10 do so. )<Xl P<=.Ise to 09'1 . tinancIng ~ &!so ~ to do ..t..,e,oer els.e ..... ~ Is r.ecessary '" P"'led c<.T caarlY krt._ ., ..... ,p<op<rty. . . 2S. USE OF PROPEllTY-Untllhe Mn..'"Cl r-.a.s beO<1 poJd oil. )'O<J~;. ""'~ (1) lM the property car<f1.-e-1 end l:oe? k l-l ~ ropaIr. (2) 00tai1 Cd 6d;;" perm!sslon bel:>re rr.e.\ino; ma,'o< ~ 10 lho p<op<rty 0< ~ ..... a (.) where tho p<op<rtl Is ~ (:llloWnn us h",",...ng bel>r-o ~ YO<-" ~><<- }.).ow us 10 k1sped !he ~. (.\) ~ oo<:tl us r the ~ ,"clen 0< ~ (61 Noj use the ~ b- af'/ ~ purposa. 26. NORTH DAKoTA NOTICE TO BORROWERS PURCHASlN~~gf~ VEHIClE. THE MOTOR VEHICLE IN THIS TRANSACTION MAY BE EL5E. REPOSSESSIO/i. IF IT IS REPOSSESSED AND SOLD TO SOME.9~o ~~ A.'lD AU AMOUms OUETOTHE SEC1.IMO PARTY ARE NOT R~ THAT SALE. YOU I.I.AY ft.AVETO PAY THE O1FFERENCE. . OUR 27. VERMONT NOTICE TO CO-SIGNER - YARE SIGNATURE ON TIllS NOTE MEANS THAT 'IOU THE EQUALLY UABLE FOR REPAYMENT OFTHIS LO~'~~GAL BORROWER DOES NOT PAY,THE LENDER HAS RIGKTTO COLLECT FROM YOU. . .;r:l!(o.r" _ .".'--'-.t'l'8'1t:!c.eo::1 ....,.-ny~ ..,_.__ .._._.~___'I"'l;ll'yv<.Jrrq;tS. o(~am::w.nc:)'OUOW'llIand~d<<t~1t'\i&r."isdoe. PJactl1OC':iOo1 '" yex...-'"""". glYv '" hi ~ ""='a!l<<1: II)W la.!k> p4Y It>e _lNl....Ih1t-.k)OJ owe, we ~ '"P<><t)'o<r _ ~...."... aM eo=un(~. ~. r 0<Jt~ll:<t does net uo;,Iy)W -)W Wrilo 10 ....~~ . ~ _ c:Sollar, amoo.rt o(!he ""POC'<<l arro<. . Ie&.g '" lhel)W Sl!l - k> p<ry, .... """ ~ &rl)<loe we '"Port~. Ion !laY' .,~ ""'" a ~ alx:<..( )Q.1''''lemOr'L Nd..... rnusllell)'Oll ll>e I~ 10 lhat)W . Oeso-'b<llt>o ~ aM ~ I )W (:811, -.tl)' )W wGeYe 1he<.1s "" amx. .... repc<1ed )W 10. Wa """ loll &n)'OOO .... fO?O(1 )W 10 ll>et ll>e :;:no 01 Al1)<>oe f(yoc.r r.e-e<1 n"l<<e ~ ~lt.e Jtl3'l'Tl)<XI are not svre aboot. c.et::l.e<f be~ u:s.....-hen kfiN!!y1:s. .' t:erhas be-an /I)'O'J N"" acmorize4 us to P"f a cr~cao:la""",nt automatically rrom)W'sha'. If.... don' foI'"""lMs< ruIes,..... =, celled the f<m$SO .rthe "'_,__, . ac:::o:>unt or cheddr'l!; AO::X>Ut'1t.)QU C3/l$l:op the payment on U'rf 8fI"IOUC'11)QU tNnkis E"r'eo..1f )'OVf'$tateme(t:t ~COCTe<:t. . -'---......roeaarnoc..,,'t. ~. To "op lh<l pa)'T"Of'l)'O'J' leu...""" "..ell '" ttve-& business days ber"", the SPECIAl. RULE FOR CREOO" CARO RoRCtiASES -If)'O<l ha.." a automatX: paymenlls od>edulo<1.1o =. lhe quarlt)' or proporty or..r.bls that)OJ p,n:t\ased l'Oth a ~ ~~ ""'" YOUR RIGffTS AND OUR RESPONS1BlLmES AFTER WE RECEIVE YOUR N....triedlng>odlaiCllecorredIheP<Otleml'Othll'..met<:hant, -...and)'O<l WllrrTEN NOTICE - Wa must ed<.~ )'0<1' IoM< ~i1t1in 30 c!3ys, ....le......' rlghtnoltop<ry"," "maWrgAmOoJnld""C<\ll'.e property.rser;~';;:ha.." "'" t'I.ave corrected th.e elTCl' I:1y thoon.. vrl:tlin SO eays, we must either corred the error or rimilaf.ic<o.s on tI"'.i:$ r%ht(a}'*'u must haw rnada the put'Cha..se., )'OI.I'b:xrree are two e>;>taln -.tl)' w. ber...... ~ stal.mer" ~ ""'Toct. ~ net MlNn )QlIl' t>ome stale, v.it'-.1n 100 miles Q/)'O<I' "''"'''' maJI1ng ~:. C(. A1l6f.... reoE!?Ye )<><.If 10M', .... cart>:< It)' 10 collect 8nf amo<>rt )W qoesOOn. ... (b) The p<rrcha.se p<'ol """ haYe boor\ more lhan $SO. . and report)'O'J &S clelinqo<nt. W. c:an <:=fnJolk> 0<>00 ...1_ k>)'Oo .:n",int Thesa i:rItatlor>s do no( apply r ..... '"'" or ope<ato It>o men:Nru. 0< k";' mall )'O<J c;uestJo<t. hdu:l1r9 tIr>anoo a-. and.... can &ppIy any ~ ~ )W the adver1!selnont for". property Q( MM:oes. ad "I-"f:. It oJ;/:4'] f 1I1f,';/' r,rtl ;/:4 :41'1/:41' f' ;JJ'I'}' (;/1 J (:, /,1' ~:m 'J/U <f 1}I.'f oJ ~']'i /1;/ In ..... ~ 1he ~ you and)'CUl' means each .:Id all oi II10se ..no apply New Ba!a=l o=>eds )Q.1'Q-e(SlI..he.)W"us: -/lXlYlhe =- Lpoo 0<;' Jxlt>o can:! 01'...00 sl;;r>s t1!s ~ Ca:d m.>a:\$ It>e VISA ~ Ca:t! and any dernatd. VI. ",: o;>PI"/ ~ i1lhe bIon'->I ma:r.er: fi<>t 10 I'"ei!ous .... ...... dup(>eat.e$ o.r>d ~ we lssuo. Aooo<Int means l""" VISA Cree" Card Ur.e cf ~ " ~ ~ ~ Ina:lo3 cr_ l(>en 10 ~ ~ &r-.or.oe, Cro4it ao:ourtl w1m us. We. u.. a:;>d 0<..,.. mea:,. INs Oe6t lJnl<<l. ' ~, It'.e<llo c=ont .... lOes. ltlen k> ~ cash ac!\'ar.:e baIanoes, 1heo to 1. flESPONSIBILlTY-II.... 1ssue)OJ' card.)W a,roe 10 _ all debts and ~ pu-tI1a$o be!anoe<" hl c<tle<!tIal~....,. p:d.ed k>)<:<.re<:o>..n.1hec> the F~ a:w... a~ from the use 0/ !he card and the ca:d a=t. Fa< 10 ~ casI1 a<m."'" l>aIarlo>s, a:>d It'.e<llo o,.r.e(ll P'Jrc/1a$e bala:-oes. example, )W aia ~ b- cha'ge"mado' by~,)Wf ~ &'ld mine< 7. ANANCE CHARGES -You = ~ Fnanoe CIwge ClnpYn:!\a$ao by~ro;r ~ YO<.l.... e.ls<l'~e b-cIwger; made by &'1)':>00 olso.,.>.t.om)W lhe M &mO<.I1lolll'.e NewBala:o:e or Pun:has<s ead1 month wflhin2S~OI)'O<IC It<e It>o cat<!. and lhEs ,rvsponsib<..y Olf1ljnoes ""01 ll'.e eoi'd Is ,eo:m,ed. Yo<; ....(e:nent doslng Cal&. .O<herolse, lhe New BaJar.::o .1 PU"thases, and the cannol d'sd<llm ,~llly by noCt:ting us. but we,..;1I close lhe ao:o<.<1I for ne.., S<Jbsequenlpon:tla$e$ from hl Cal. ~a'. posted Ie )W,a""""nt.,..;JI be subject. ~ ~ you $0 roquesl and '.1= d cards. y"",otr~1lon to pay In. a""",nl to Fonance Cha'll<'. Ca.stla<Mlnoas ar. .Iways $<:biect 10 F"ft\anOll Charge /rem the baLa.r'o! CO(l:C!nue.s even ~h an .~Hf'T'lo6nt. <fr..orce 0e0-H1 or other court date they are posted to )'OUr ao::ounl. ~ 10 ~ we are not a party trIZf c!ire<:t ~u or Ot'\~ or the other persons Purchas.u: We ca.kulate )'OUr rar..ance c:h.arge by mul-Jplyir,g 1M average ad"'JU:S1ed rlO$pOl'l$ibla 10 P"f.ha a""",nl Ca.;1y baJanc.a (see ..,,_ticn below). Indod'ong new P'Jrchases. b-lhe billing ~ 2. LOST CARO NOTIFICATION ~ If)W be"...... ll'.e ca:d has been lost or .,01.0. by the rnontNy period'.: purdlaS< rala as dl$dosed on lhe a~ )'O'Jw;Il~..'.lycalllheCre<f"Unionat(717)~...(800)237.=8.A.~.r Cash Actvono<-$' W. calaJ!at. )W' f""""", cNrg< on cash adwnoars q- hours caJl (600) SS&-S078.. mlltiP'l'lng the ....."'110 adjU$le4 CaJIy belata> (see ~ belovr).b-......" . 3. UA.81LlTY fOR UNAUTHOR!Z.EO USE - y"" undemarld !hat )'0<1'. lotal a~s du<'.ng the bilfong Cl'de by ll'.e monll1l'J period'", advance ",to. iabalty 10 the Oe<frt Union shall not axceed sse b- any ca:d trans.a<:lic>ns resuftlng BlJanoo ~mpuUUon Method . I:orn the loss. lheh 0< """utt.orlze<f..... Q/ It>e eoi'd tha, 0C0Jf$ prlO< k> 1M U""')Q<( ............ Daily e.Ju>ce br ~ _ The A.......... Dai1y Ba!anoe to< Purc:l\a$e pive r>olX;e to lh<l Cted1l Unlon.. Such ~'cloes net fWlY M>en the ca:d Is used T~ Is C""'c ',teA by adding the Oaay Balances (Plirt:flase Transacllon) b- OO make ~'" "" fund hM'..rs.1M ~ lInlon uses .""ural~. which by eaell d:<( li lhe billing Cl'de. &r.d ther\ d'M<Sng b-j 1M n<.mbo: 0( ~k1"" baling': __ k1ta~ can ~a and alert US \0 polantiaJ r",udoknl trans.a<:lic>ns. ~. To calcUat.tt>e Da.ly &lanCe b- ~ ead1 clay. ... taka.... ~ ' ~ aIoe c:a:d aM.... ~. $lep$:We tal:.o lM~b3laro:e (dI/llOU1lS)WQWlt)al....$lartdfheclay. fo( &r1'j . "'0,,"'" ile< "'" lI-<s mIs;hl ca...... The<i, k1 U>e se<;oe<x:e i1 ""*" atno<InlS .... posled 10 l"<" ~ ... o6:l!he .. Cf\EDfT ONE -.W... &;lP<O'o'<l )Q.1' appI'.eallc<1, ... wlI _ a..n. amo<.T1tsoialldel:>/t$anclO<tmIcllhean-.o<.ntloiall<recftsQ(peyrnentswl>lchpcosl ~ !.he 01 C<edil b-)W aM rr:;Cty)W 01 Is amcu-t v.M1.... I=e It>o '" l"<" a.=<.nt lNl Uj. n.., ~ po'flTlef"lt$ and ~ ,... II<bCr.ol ~ ca:d""=<: agrM rello Ie( !he adlo<.nl beJan::e It><O<>Od ltI< appnlWd ~ lX>e. EocI1 0J1l0<Tt 0( any ~ ""....", ~ ... La'.. Chetgos. Then .... aIoo 1I<bCr.ol. ~ paymor>\)'QV rnal<e on tha IOXlU1l .... ....."" )'O<X ~ u-.o by tha amoc.r.C oi the an>o<.r.t 0( any Cash Mance hnsadlons I'\al posled 10 )<:<.r llOXlU'll "" t>at clay 01' peymenl ..t-.i:ills ow"ed 10 ~ pch::lpaL """ maY ~ an h::rease 11)'OU' Cre$3CllOn$ y,/lld1.... ...Ioan Q/5::e<'. By ~ )W IOTlt:en no<iol ... may"reduoo )QX ~ lhe from lime p:><ted Ie >"<I' ~.... no( i-dude<:l i1lhe A...."'oe 0aIIy Ba!anoe caIo '''''''' Jx ., ~. 01' Mtt1 flOOd causo, '""""'" )<:<.r c:a:d aM _ t1!s ~ Goo<! pu~ ai>d .... tt>e<v!:>ra no( S<.t:joct 10 the rn<:r.th/:J peOod'IC rate b- purcI'.ase<. == ~)Q<X ~ 10 ~JMtt1 tis ~.o< anyolt>or a~ I'<ltt1 The A.......11O 0..1)' Ila!anca Is eabkted oepanrt.1y b- Cash }.r!vallCI>$ and Is .... ... C<Jf adYe<>a ~ oi)<:<.r ~ "=<: may also """"""" ~ ou!lject k> the C<<<tl Marca IJo-:lt-Iy Perlo6c Ra!.. The A....raoe 0aJly BaJa:>:e b- '-Q1>e<'>e< ( al any llme. txJt ~ by _ 0( US cloe$ no( ....ec1)'OU'~!lo1 Cash T,.:=ctior.Sls c:abAaled by.dCing ll'.e 0aIIy Bala:>ces (CashT~llo< "P""/lhe -=xr.l baIarol.The cams nrna;, Q<X p--opertj at]d)W rrusl """""" a:>d ead1 clay i1lhe b<Il<ng cp., ar>d ther\ ~ng by ll'.e n,:mo.r 01 clays 111M bilr"'li ~.Io us all c:an:!s l.p:<1 e<..<requestancl""", le<TrJr.a!lo1 oi ll'.!s~. C)"le.To caJo.Mto It>o o..'Y!l3lance b-eash each rkf,.... taka lhe ~ <lOPS: ;. Cl'lEDlT INFORMATION -."=<: ault>orlzs '" to ~la)Q<X cred'~ ....,-ong W. W-..lt>e o<.~ baJaro:a (a:! amoo.-r.t;)W owe) at It>o.:art 0( It>o ~ .non "P"'".;n,., ...,.,..,w.g or,...,;.,..'.<Ig )QlIl' 6<XO<.T1l. L'ld)W .Ult1o<lza '" Ie d'<Sdose ., ll'.e <e<;uence ,., ~io'1..-nc<r.ts are p:d.ed to Y......T aOX<Xrt. .... ~ ll'.e , 1'i:)(m.a'tion ~ your accour.:l: to 0""e6t t.,.'1'e.al.:S a."'Jd c!hoer Ct"'e'Cito<s '!'I.io h:1l.{,"'9 of a!l d-ebl"..s aM ~ ~ IJ'1"QVr'Its or a..'f O"'e'CttS 0< payments wf;k:t1 post" ~ .{ '" abo<.1 )Q<J< cr-eC1< ~. e=:nl "'-'! ~. Me' ~ pa)Tnen<s a:>d aoCts. .... ...lJ....ct It>e ~ .r . MOr-ffi-{LY PAYl,.(EN'T - We will malt)QlJ . S"'..a!en-..errt t..ety n-tC<lth s.~~ 8.."rf ur';:.aJd' Fj(".3.t'ICe o-..:~..s O(l.!:e Cha~ Thoen woe ~ ~d:;; C( 1'1 a.rrj our Pre~ ~ c;{ ~.r'd\a..s.es aM cas."1 8.Cva.nc:es. the o.:rren1 tra.--=sadk>r".s 2fl't .Purd\a.s.3 Trar.s.a~ t".a:t ~~ SO yx:r ao::qc..1":t I ()(l tf1.a,t ~ n )"OOf ao:::ourn. 'It..e rer.-.u'ol""; o-eelt ."..'a2lab'e ~r y..u-r CreCrt Ur-..e, t"'"..e New p<e'".IC"-=S Cay j1 tt".e to1lir,,;~. ThcS '1'r'aS US ~..e Dally ~ fo( c::.;.~.Od .a.la.""'oC:eS of pun;:t-~ et'ld cash aCvances, It'~ Total New 8.ala.'"'.C>e, 1:l;e Fr.a.~ Tra:"$a~.s. Hoe.e: c.s.."l A~ ara .twaya: aubfK"t toO t1n.anoc :r-.a.ve d~ ~ Ca~e, ~ ant oC"oer bi:l.eC Je.e:s, and It'..e Mif".Lm..:rn Pa-j'!i.e<:t ~~(e-:i from t;.e d.<<y th-ey .,~ po:r...ed. to y:x.rr .ccourr..... to ve<y moroC1 y...u ~ ~I .: $e..ast the M";('.irrw..'I":l Pcrf"T"'ent ...~ 2S CctfS c;{ Y'".oI.,.'f Pa-,rr"gr.ls are ~ k1 ~ ~r.c rr.C!."~...er. first to prevSous tale leeS. ~...::e ~(~do:sJr.cCate,By~...ate.cr~...:nty.....:tT"--;ya;,.-t-<<.z.eL7to~~ p1"~ ca.s.i. 8.eva."lCe:S f.r.uca d"~. It.en to pr~'S ~ 1t;e<\'" ~ p.a-~ 4tJtor":".a003:?y to ycx,"f ~:ate (X ct'~ accc.....r.:( wr.."'l us. YCIJ rr.trl. ct'.e..~s, t:;.er; fa eurre-r.t i2le Je.e:s. t;eo to pre-...ms c;as.'1 a~ ba~ U"lefI o::><..:rs.e, ~f ~ freqoo'*l. p.;rj trIO(e U".atI e-.a Mll"~ Pa-f!T..enl., or p.a'j tr.,) p."6"o".:-CS pu~ ~~ n c-.e ~....e( t".at 'd".ej were pc:stoo Ia ~~ o-e&..5 ;<.aJ New ~~ In M. a."td y:;.u .,.".JI reOx::e u-.e (.....a.~ d-.a~ or ~ C.:l. 10 CJrr&m c::as:h aC'f'a."t;l! ba.!a.--.::es. .."'oj tr>e11 kl ~ p.....,-d-~ ~ end tt'le11 '" ~ ~...... 0.'(.) 2')(. oiy;,.rTooJ New E.a!a:=, ror.;ec '"" "'.,..;. .... a,.>'oOCfimlet">ope:tl:>..<at1)?<l "deO<~"" ~boO;c:ted'M<l,.a:'I, '" &.'Of1 doIat, c< (b) $:20.00. ....id"oeYe< Is ~.In ad::-:icr\ ., U'f ~ )'".>J 1<:<aI 10 t">o beta:x:e " y.x.< a-=.r.l . . . "~l!{~. --- n_ __ __.__ .._, -<. --, ~-,- ._~-- _aT'^"''''''' ,-' "'onironilt>Op.n~o;;.jW~'~-';;''';;;.d.~Io~ ~ Is duo 10<.. p.clod ~ ~ days. '1txJ wllI "'" b6 ~ <lo(afA . )'0<-" &l\ ~ .... 0<<( 0( pu1l::Ipalsd h WCl<Q )W. ... (b) )<:U ~ 10 bOtty '" ri>p<<y US lis tM',.tIaDy reduood by .. .::harQ<l ~ )'OUf ~ &l\ """" ltW1 $SO and _ modo from a pl3t1ltlO<'d\arj h)'O<-" -.. 0< "~1~ cost ..."..- h )<XI< ~ ~ 0( lnsci''''''''Y ~ ~ )'OU. 01)'0<-" t>omo. N"'f <'I-..< cSsp<..... )'0<1 n=t """""" 6>-odly _lho pion ~ rra.. -our_ 0<)<>'J"~1o &bldo t>ytt-<s.........-nert.....lh<l vaJ.....oIe<.r~. 13.SE~'RITY K~EST_T- ___~. ~_ ~,~_._.rnem-.."" _mate<'~clec:lIt>o<.WehaYether\chl1o de<nar>dmn.dialep8)11Wltol)<l<K ~ ~,~ N ~"-' -~ ,- ~-,_ .. -=:><JOt baJanoe I( )'O<J cIoIault. e<.-bjed to our ,~ )'OU er>t noClce reqdro<! by rncooy .-ad, Interest ....- the lJcII:<m Cc<lmo<olaI Code kllrrJ ~ ".,. To the ext.nt permitted by law. )'O<J >oill a!s<> be re<;ulred to pay O<.T ooIIoc5<<1 p.~ ltv<:ougM the a=rl. K)'OU deEatAl,.... v.'.l! hMo lh<l ~ 10 ~ )'0<1 ~ hd""~ <X><Jrt costs and reas=t<. a'~ leos It-. goods _ we hM nol boon pold Ie< lhtoo:;I1 our ."""-....... r any 01 ...--' :~ .._.~, . ~'~''nthetr.anoer6esclt>ed'''1l>eI.\oolj,,"~-,-,,......:::-'Wi';''~' . USlN<l TIlE CARO _ To maI<s a p.:rd\asa rx casI1acMnoe, t'le<1l &l\l _ ~'''~-. OJ' "1"--_.~. 10 Jtem<rtiYa procedures 10 be ~ One Is k< l"" 10 P<"OSOnt It>e catd 10 a tt\ls account ooly, we v.'.l! not assort 8nf OlaIlJtory rlgll.... """1 ""'" I()<>u ~ VISA p1an morthanl. 10 ... rx aroo<ho<' Mar>daI ~. ..od ........ It>e doEauft ~ prwe<:I wllhd-.l 01 )'0<1' ~ cnd'rt \rkn sI\are; m-"!'. i-1 . .,~,~ ..~ __ .....' belowlt>e ~ bolarood)'O<l'a=.:tJt.~, .)'OU....... 0(--- ,~...) 4les ... cash ac:tvanoe dta" ~~, ~ ~ ~od - )<lU1' caro. Tho o<tier Is to cpocffic pl~ cI )'O<Ir aNt urJoo s!--ues (Do"""""') ""~.<:.....:~ ~ '" a ~ the lranSacOOn by ~ )'O<Jr Po""".al !d<nti(atioo NumI:>er (PI"') n . <C- -, ....-... .~ ~ 01 ~ with #>0 cal<f ~ 011 Automatod T."e' Murlno '" e<her l)1>o 01 eledn:dc Sl-.aros 0< olherv.i$e. rx anj o<hor""",my hterasts lc< a~)Wf dobts, )<l<Jr ~ ,_'--'lhat _........ ao:ess 10 It-..VISA~'m.~" ~ tha' ...~ ~ wJl be seaJl"Od by)'O<l'~oIlares (Ooposl'.s) ar.dby 1M _rty"-~. '.:. ='w~ '^~_ -,-_. .~e.._ ')'O<I~.~"",)<>O, lt1osoolt-..rUOJ""'.......lOI"ts.a=l"'Ie<~.hom<. ~'-'OO.. ard.".""I lrar<S3dloo N'1s ~ u-d<<~ IeOorol......... e<locallsw.Tho ..., "' ,- 'or<fft staterrwnt wllI ~ It-.. rM<"Chant. ~ to"""" rx lNndaI ilstitt.rtSo<1 1 (. EFFECT OF AGREEJ.IENT - Thls ~ Is lh<l c:ootraGt ""'"'" ~ to : _ ~ were made. but caJo, cash aa=, ~... ott>or or.ps C3lY'<C( a) ~ "" )Wf ocx:o<r.l ""'" Iho<.V1 tI>o cales. casI1 -- cro&t . ~ ~ lho ~"\W wm row, a =d....a..r;>s fumi"....ed atlt>e fme ort>er olips )'OU ~ rx ,.."M may 0>1la.In <S&re<1lIorms. W. 1110)' ~ e: '"", ~ i-1 Otder Io....rlty "'" rr>or.tNy _"""""- Tho C<ed1t UrJoo rNrf mako ~ from ~"'" 10 1!me,t>r..r><Sng)'O<l h aC.voe -..01"?06;o ~ by rea$OMble ~ to< pho(or:oples 01 clips )'0<1 IN)' ro:;uest law. '\bur use oIltle ca:1l tt>oreaJtor ~ hOcale )<lU1' a~ 10 tI>o """" >do ~ "'- J. REltIRNS ANO ADJUsn.crnrs _ M.n::hants and oC-.ers who t>or.x 1M ca..,j To It-.. 6X!oo( ltle low p<>rrrits, and.... Wicota h wr r>:>I;loe, arneod.-ne<iswlll'WI ~ pM> credit .". _ and ao~ and they w'll do so by C<<l<Sr\l us a to )<l<K e>ls:!ng a.=.r.t balanoa &$ - &$ 10 Mlxe lransadk>ns. -.dit sl'op _.... MJI post to)<lU' account. ~)'O<.< ~ ar.d paymoots ~ 15. LATE PAYJ,(E1IT CHARGE - ~)<'." IX"",-", F'Ilyrn<lnt Is not paJd withl., 15 ;,a')'O<J owe us. .... wllt hokI and apply thls crOOrt boJanoe a~nst Mur-e p..Tcl1ases Cays attor tho f'a)ment [).oo 0010.)'0<1 "'" be S<.tjed 10 a oIr1gkl ct,.,... d 5% d h -.d cash advanCeS, 0( ti k Is OM dollar 0( monI. ..fur.:! n oo)'O<l,..m:en req.mt 0< rnIr.lm.:m cdled<JI&d ~ JtOmOllcally afta< clx rT1O<"llhs. 15. coPy R~CEIVEll- 'lW ~ reoeIpt 0/ a O'l"f cllf-ls ~ :f.:( If (;[,) ,'I {~ ;1./ h'I' J.."i' (;f:' ,'F-i;j:f;/I 1'1 f: r 11': r <i;~!i :MI:f.' ":, N, 1;/:( <j If':' I {, N Iii::ti/ If 1-'11/ {, J..i 11; :>NEY Access CARD CAROHOLDER AGREEMENT - Tho Unders\;nod (you c;,ectlo<\$ to a h<.maIl leI<!<. Yw also U'lde<stand!t\ala M<l_ w.t1k:h ao:>epls )'O'K). h <x>r1Sklonrtioct-el THE PENNSYLVANtJ.. STATE EMPLOYEES CREDIT lho MONEY ACCESS CIJ'lO Ie< a ~ trarosadlOO """1 hMo an eledronic lION (we., our and ....) issuing to)'O<J a MONEY ACCESS CAAQ,1ier.by agre. letmlnaI (Men:t\afrt op<>rzle<l '" s.n-5<r>bl) 'to!1l:tI re<;U"'" tho use oI)'OU< PIN t>e ~ bound by tho ~ r.enns .00 OOOG'<tie<Is. Yw aw.. that It>e ..... or and )'ofl<n )<><JI' PIN Is used a' e Merdlaot's f<moJnaI, 1 ,.,,11 aUlheotka'. ar.d Jr MAC c:ard(s) coostitute-s acceptance 0' ~ tenn.s and ooocrrtions 0' t"lls wrldate the directions ~ just as )'<<Ir adlJal sl~tt.rre WUI alJth.endca.te and re-emenl You understand U\at MAC- is a cred"'rt-related serke and )'Ou authorlze vaJi.date )'OtJr d'irectiO(';S g;...en to IJ$. You ad::nowledge tt\a~ )QUr PIN Is an ECU 10 obtain a cre<fl't report OC\ arrt use~ or this aCCQUl'll Idenlf(JCatiOn ~ tt\.a.t I:s ~ end confid.ential8J'ld that the use d the fiN Ac:=<:nls and U5e$ at MONEY ACCESS CARD .,;m It-.. MONEY ACCeSS CARD Is a oocurlty - b- )<l<K -=<-'t\t(s). You I>ave the ao:oo.m~") Oodud""'ll CheOdng and R~ular Shor...). v.Nd1,.", 5<'.' Thor.to,.. YOU AGREE TO TAKE AU. REASONABLE PRECAlffiOOS nv.:r ~ on )'O<Jr awr=liorIl:><rn v.ilh lt1l:s Agre<<nent. You !lereby ~uest that w. NO ONE ELSE LEAP.IlS ~R Pi.... . Issoo 1o)'OU one 0( monI MONEY ACCESS CARO(.)1o be used h corv-.edlon 3. uablllty for UnauthorlzedTraruaetlon$ , . with ouc:l) ao:ounts ... desqiOe<l h Ihis Agr...",..-,t. .: Y~ agr.. 10 contact '" at """" ~ l"" bellew'tI>o MONEY NXESS CAAO(sl "'" ~rsland )'OU may"""" tho MONEY J..CCCSS cAAo at a MONEY ~,Io)W 0( PIN has boon Iost<< atolon 0( """""lIS n-&sslng from)'O<lr AC::C€SS CENTER" to (1) Yoittldraw cash from. (2) rnaile 0< an-ango le<deposltsao::ount(s). You.also agre<! that I( l""r rno<:lhIt ....,"""'nl chows ,.. ,.......... In. (3) eKecttransfe,,1o ....from )'OU....=>Vr1~ (') reca...... _don ~ong _ )'OU d"od rlc< mako, and)'OU do not o:>r<ta<t... ""'*' ~ ~ oller It>e the baIanoe In )<XI< ao:ounl(s)' c< (5) n;al<e casI1 advances from )<>U< cre<!"rt ctal........nl was rna!Ied 10)'0<1. )'OU rNrf I"IOt pet atrf moneY lost allot Ihalllme. a<XO<)l1t(s) h lho.l&lT1O<J(1ls)'O<J request You may also..... a<llomale<l1eller YOUAGREETrWJl''r'OUGIVE'lOORMONEY.o=SSCARO(.)andPlNro mad'.ln<>s ~ 1l>e Un/!od Sta;os and i-1 oerIa!r1.1or11gn ='n1rles v.Nd1 'SOMEONEELSEroUSE~AREAt.lTHOR!ZINGTHEldTOJ.CTON'lOOR b$U the Pl..US SYSTEM" nemo. and Io.lo (1) 10 Il'.alal withdr...-als from. (2) eHect BEHALF #10 'IW WU.L BE RESPONSI6LE Fall N('( USE OF THE CARO(s) ~ 10 0( lrom. (3) reooMt Hormadon ~ lho b4lanoes i-1 )<X., BY THEM. yO<! o>.Jd 1o....\)<l<Jr rror>e'/ h fle ~a) 1")<xJ!ala no ~ O>ecl<lng 0<' fl6g.tat oh&t= ~ >?-' haw a f'ersooaJ Sorvlca,l.o&n approwd and 10 noety PSECU 01 h loss d)<>U< MONEY J.t::;C&;S CAAO ... PIN. ~ .., ploOe, )'O<J rN:f &!s4 mal:a a casI1 ~ fn>n)'OU, PSL '\00 furth<lr )<><JI'PersooeJIdo><lfa'lc..Nc.rnbeI(P1N).001"lOtIe'lrx6$c:losal"'-"PlNIoIl'\)' ~)'O<J may..... 1l>e MONEY JlX:;€SS CAAO lo'purd1aso ~ and _ por>on. 00 not Wort. )'O<.T PIN on )'O<.T,MONEY ~ CAAl). tlo I"IOt ~ ('"Purcl1a.soi at arrr retaJI ~ (1Jor<!\antj ..nero MONEY l:oop a wrtt:<><1 reoxd d )<'." PIN r>eef yo<.r MONEY ~ CAf\O. 00 not ~ c.v1Os a'. ~ t>y socn Mord-.atIl ti )'0<1 .... lho MONEY cnoos. a PIN tt-..: Is easfy _. . , ~ CARO 10 maka a ~ 10 obtah casI1, ti p<rrri:1ed by, tho A n<lW caro may be rxOOred lc< )'OU a: tha: 1!me L'ld a "hol<1' Wll be plaood on ~ )'O<J sha.'l be re<;ues<l"l1 ... 10 'Hl:/'&.rH fo.nCs 11 It-.. llI"T1O<.r.I 01 cud\ Y"-'" old card. A.~'" ....a. tSme, . )'0<1 (nj y;>.:r o;d card, destro/ It-.. old ca..,j by ~ r~ er>t cash reoelYe<! from ltle M<lrthanl) from )'OUr ~ """Jng K ~ NX H l"" """"",t to "'" )'0<.< o;d card, t wllI be captured ar.d $naro>S and c;rocting rx rxOerYlg us to r>a'1 socn fl.nds 10 lh<l M.n:har.t. ,,"Ined by lhe MONEY ~SS CEIITER. PlUS SYSTEM. 0( HONOR,o;n.l _ roq<.>e$l that .... ~ pro-.'!Oe ~ )<l<J.cud\ c<ho<..,..".".. e< ICOO$$ 10 o<hef.uM ~ CNl' . sys<ems 0( ~ us!ng lh<l MONEY N:::CJ?ss CAAO ..r;c.-. .... """1"""' mako . rg.,. . . 15 ...a.l.ablo and ..nIcIl .... aeMs. )'O<I1IIe oI'..red h o>..,dlo, , \'J:h )<'." eo:o<.r.l(s) You ag"'" to p"" . s.:J cor.! ct-...... Ie< 03<1\ d<posil 0< ~ ~ r.l <el b't'1 "" )<l<KappGcation Iorm. 'IboJ also uode<star<! that from timo 10"""')<>0 a ~ Yoo ag,..lQ pa-/e-.e s.:J ceot p<c.alty&....... on Il'\)'cash~ =1 reqoes< ~ wr':<io;! It.al .... ~ -= k, ~ aOX<.<lts d yo<.TS tra:>s.c&>n C..,.,o ....-'Ya.'"CO c< """ro ~~ tha, is less !hen $20. You ~ tv"ov;h "'" MONEY ACCESS CARll ,.", M>-e I=.oe<! 10 )'0<1. Yoo ageM _ tho 10 pay a 2.5 O><rt ct-.aI'".... ,on O3d1l:.a!a.'"CO r.;...''l'. 'lW a.,... to pay 1l>e ~ -""'" 0/ lhe MONEY K:C€SS CARD desa1>>:l ~ ~.........rr>om ......., be sc<:~ 0< transaction ~ .,.;-.lcI1 .... d1argod by us lc< IhesO so"""'" 0< bt.. :>;od , .0 tt;e rvta:s ard' reQl...{a~ of e.ad1aCCOlJr1 ~;c, b ecce::.s.ed by sud"l ~ ....-t".k:h r..lrj Later b-3 cf.ere-: ~ ~ *",-S Cl"d-.ar.;.e::s rr.a-fDe k'npcseodOf~ - J.. o! ~I kl=tIfl_"" Numb<r ("PIN") ~ MONEY ACCESS CARD from time to limo. ("" t.nCo~ mat a MONEY ACCESS CENTER",. PLUS SYSTEM.uM Is 5. c.p=~ R "'"' LI1 autOl'r'.ated te!].ar. It ca.'" a.'"ld 'l'ff11 perSomt rr.arrt cl C"P'EI c.s.me ta.sks as a tx;ma."1 YOl..' acre-3 th.r. ....~..,.e,1 )':'.J 1T'..aY.e a ~ycs.11: a MO'iEY .-.cce~ ~ )<<: ~(. 'rbv a~"'3 tr.at tt;.a Persona! J.Cem..:rlCe.~ KlJ'1'rIt.o9r cr PIN ....t',a,)"'"JIJ 'k"J ha'~ e--.., n.;1'":t 10 verTj r:--.e c.e~~ t.elo<a we !i',a}r.a tie rrrt:>>et ~~ )?J J:S.<:I ...-t::I t;.e J..IOfiEY ~~SS CARD ko }'OUr $.io;1".a:J..:re, 1Cent.:r~ t:"..e bearer of tf )'OU c.e.:-.-er cas.".. ~ 0( c:C';er ~ k) . MONEY }..CCESS ~ ~ bo3 "" Ca..,j 10 It-.. I.KlNEY ~SS CE"TER. PLUS SYSTEM AD.<. rx ,*,<r ".-.do..:.:><:: ..-,c ~ "'.a' "",'~ "."." )'O<.T Oepos!l ~ o!-.a.l ~.<:nJ ar1a~:"" ..-.:r ....:lCa,"" .... dlr~ ,iw<ll-"" "')'0<.< ...-ala!:/-< Ie<~" ~..-..:: "'-ti.the~"" d Y"'-" ..tknl"'" ~ .........";,, L"d C':><< p<ooI ~I )'"-<l"-":: ~Ie ..'ld ~'e')'O<.T c.-;.eo::l 00 O<.T rVles L~~""""" ~ ~ po.-tlakto=:>fl. ~ ,.~~[~~ ---~~ _.......,.~rr:x.pr.r.ao::oc..n..),o,u.;nMtJb9 JoWlY and -'Y IaI:<6 """""1/>0 ......... c( It-<:! ~..., "". and ",. .g,""""" b- cvc.~ aco:u-"- You ag<H ....t r :i<'J malIe deposits or ~ 10 I"'<Jr AO::OOr.t(o) """ IWns - ...." ~\ (d>e<:ks, dr.lts or olNr "ms) and .... rnaJ<s fu"x.ls ~ 10 I"'<J frcm SlJct1 cSopo$1U f<lo' 10 #lelr ~. )W .gnoe'lha!"'" rMt cJod<.d !t>o ~ 01 wd:1 Me. "=)'C<l< ao::o:.ml(s)'_ ...." oot ~ed 01", r tt.e tvnd:s In )"Ot,lr a~s) are hsutrder.t at $Ud'1 erne, )"OolJ wilT pfOo"np1:j pay to U:S errt amoutll cf sud1 tr..T"iCs '\"fhid'1.e,tB noe COl1ec1ed. 1. .A.zil.endme.rlt "f thb: Agrc-eme-rU V"" .,.... lN' "= time 10 \!me "'" .nzy ~ or ~ It>e I4rms <<.lI'.!s ..~ hdu6ng ~ or d~ to add /l.Y1l>or MONEY J-CCESS CV'IO seMoe$ o( to ..'Tl<l<>d or ~ ltlo ~ lo< ltlose services. We may 00 so by no<iIyir>g )<>g of suctl.omendments or ~s i!J1d I"'<Jr "'"' or me MONEY .ACCESS CAAO aher ct;e ~redNe date or ~ czx:t'l 8.l'T\end~nt 0( change $hall cons"JrlJte Y...Y( ao::~.cta..~ of and &grHmenl to such &/MOOmenl or~. . a. OwT>ershlp )tou agre<l lila, tile MONEY ~SS CJ.J1D Is O<Jr I"OP6rty and y:>U ...af S<JmlOdoe( k lo us upon C<J1" re<;vesl You ll",,", lhat ..... MONEY -'=SS CJ.J1D b nor>-lrans'..~. s.. Dtcdocuf'O:C )tou ~ ~ ...x..ip c{ h ~ ....temorn k1k<m1ng I"'<J ci )QUr ~ ~ the ~ Ft.ndsTra."':$"'..et}..::1, a.."ld a cq:y or ctlk Ao~rr..:lnL REGULATION "E"' [llSCLOSlJRE 1. Summary of Ccmwmer UtbUIty we. ACH .nd SST - ietl us at ()(lC:I6 It)W berlo<t'Ye )<<It cart! has be-en lost: c< st~ ToI~ Is "'" best way Ie ~p l=' p=-'t:<<> Ioosas davm. y"" CO<Jld . losey n )<><Ir .= pi"" l",-,r rna.x!mum owrdralt Iif>e 01 crO<frt.. ff y:>U t>er.......)'C<l< card I\;I.s t>eoo 10rt or""'" ar>d)<><l 1O~ us w.thIn II-.<> b<;s/oess days afie< I"'<J IiWn of the '= or ",.~, )W can Ios.s r>o more It\aI1 $SO r someone usod )'0<.< catd witnO<Jl )<'VI" penrJss1on. rt )<>0 do not ten us within t......o t:..::slnes.s days .her)'Ou ~am of !he 10$.$ or theft or)'OOf card. and we can p~ we o:x:~ haw stopped ~<& from L:Sing )'OUr card ~)<<It pe~on. K)'QU t\ad told"!';s, ~IJ eoufd \oS.e as mo:::h as $.500, A1:so. It)'COr statement s~ tral"s..er:s that)'OU d"Jd rot ma:Jc.e, telf lJ:S af 0r"'ICe. tf )'lXI do not te~ us ~ 60 t.:rj'S .ner ~ statement \l'I'3.S maned to you, )"00: may not ~ boO< Urj """"'t )'O<J !os: after It.o 60 days r .... can prove tt>at we could have ~ somoor>e trorn laJQ'.g ..... mor>ey r I"'<J /\ad told us k1 time. : 1/ a pood ra<!SOi"1 w:tl as. a long Iril' or. ho5p1(a1 stay kepl)'O<J /rom "'lUng us', .... ..<< ~ the lime porloCs. '. . %. TalephoM Numbe< and Ad<i,...lo Notitl of UMulhcr!z.e<lTra""f.,.. . I.lAC. Cor:lad PSECU at (BOO) 231-7328 or Monoy "= SeMco (MAC) at (500) 523-4175 ~ PSECV ~ hours. then IoiIGw Up by c:ontacti", PSECV at (800) 2:J7.732Illlla r>e>1 ~ tkt. . ACH .nd SST - Cor1tacl I"SECU a' (600) Z31.rnB (na~) o( . (717) ~ (In Kurl.a.TJ1). Orwrtt.e to UI at p.,,~t.o SU'.. ~ Crodft Unlon P.O.1lcx 67013 ~, fIl.171~7013 PSEClJ 6..1__ Ho<J... 7:00 &In.. S:OO p.m. J.!. F 8:00 '.m. . Noon Sat\;((!.-f TDO.(800) m.1"" Na~ (717) 777-2100 i"1 Halrlstv" :S. Fto.e.r.e:!a! !nsti1utfQ(1" BlJ"Sfn-e1-C OriS UAC. ACH .nd ssr. PSEo..rs &:s!r"leSS Oa-fS 4:6 J...l..ot-.day r-.rov;tJ Fray. Hol;ca-fS net j-,d~. ... T:r;:>ee o( Electro<1l.c Tran.s-fu... a Corlst.'mer ..tel Make MAC - Ba.l:ar.o::e O,l.iir'..e=s 01 d'~~. ~~ .a:...c PSL: ~.cra~ tror.1 c'ioedCr.9'sa'N.o;-s; c::as."1 .lI.crarx;e. from PSt..; OeP:'$!"..S 10 ct,.e.cYlJ..;!s.a'.-fr,.r;s; p.;f'Ct1.as.a ~ a.....c ~~ a: a."r'/I!~ ~~ Et$'~:s.".r.-..er:t. ACH ~ Pre..a'~'t'"oOr'.:.e<t ~t.('.s If"od cre-:".s 10 ~no; a.....-:1 U'1.r..;;r;. SST. E.a!a."'Cl! ~~ &""IC t.~~ 1-.Cs:.0l"..e-s on ..1 ;,"'.ate. cer'..:nca:e a..'iC k:.a.1 ~t:a..~1"'S f.~ ~t .....a."'e '" a.."')Ct";.er "'...e.."9 or.1cul ~ ~ ~y.:...T PSt. 10 L'7'f ......a.~ 0< 5c-a:: a..:o;:-J':'t;" ~fCrW'3..!:s trc.-n ..--;y c.".a."'e ~ 1M ~0I~e:s:. . - . -. -.'--'-. ""lII'K~'" M4QIIi'W ~ . &lAC.'lW are tr<ltlod 10 ~ a ~ ~ at C{EFr. transaclon. 'lW w: r..:oMt a 1'n<>"lll-Iy <'aI. """~ ~ :: 1lmo 0/ .. aco:>.x'A, 8rrj - lNo. dumg.... mor<I1, and any ""","~Olalus c( )< PSECU <=i ~ do$.-.g lho rnon1l\. ' ---- Ofchai; . ACH Ind SST. 'lW -MI reoelw. mr:x1tI:t - ~ !he ao>>.<lt. 8rrj ov.sedions made cl<rl->g .... mor<I1, end any po.-.. ,....... c()<: PSEOJ maympo$<! <l<<tIog "'" moot/\. ~.... Ofctlatg. ff)<><l h:r... ~ 10 m-..o a direct de?osit made 1e)<lUr ......'1 f;O days fn:m .... $3n>e porsoo O(~,)<l<J can ~ at lout 00c 7325 10 lind oul Yot>ett>eror r>ol h ~ has -. mao.. "" II (800) Zl: 7. Ste;> f'>yme<11 Rlghl.c. P~uthorlzed nosier> . #.lAC.rtd $Sf.. Net appGca.bIa. ACH. Rlghllo S'ep Poymfnl and Prooodu....." <lolng '"" ~ us n a<:Mnco Ie mal<.o re,;ular payments oul 0I)<U' ~ . )'Ov ""'" lol< c{ It>eso pa)'Mnts. Here', how. Co.! US al (SOO1 237'73:2ll~~ot;'? an: f;l17) ~ (HarrisO<.rg) or ""'" "" It:Pe~Slal4 ~......) ., Unlor1, P.O. Sex 67013, Hani:;t..,rg, fA 1710';'7013....llma lor us,., _ c.-.c< ......- 1lYo<> "...0../1)<><1 c;aJl, ... may also re<;ufrv)<Xl to P<-i)<'U' ~ i; ___ ~ '" klous~14~_)<><IcalL ,..._,,'" po, Hcix,. clVaryUlg ~ ~ l!-. regUat ~ mayY.iryi; ",' pe<=)<><I'" QOlroJ 10 P'Y Yo'lt 1o~ j'O<l, 10 days bolero each ~~ ~ MIl 00 ma60 ar>d hew 111<.<11 k I>ilI be. Y<>.t may _ nst&ad 10 Oot tNs """'" <X'Jy ..n.n ",. payrne<1l ""'-"I dii'.... by roont Ihan a COrlaln 0l"n0<r.t. ""'" 11><> prV'o'lous payme<:l. 0( ..non "'" amo<.r.t I'o<:>Uld Ia.l eutsldo co rtaln I<rI\s lhat ~. s.eL' ~-- . /.b.bJ1lry fox ".lIurvlo $1op faym<nIO' ProauthortudTr>>n.sI.ro.. ~)<Xl O<der us 10 stop coo eduled. and... do not do so, ...._~ bo iaI>le "')<lUr""'" or <lama1l"S. U"'le$s .". ro<;ues1 and do net rocoM _en 00<1litmall0n 0/ an ora! ste;> po:,menl y,!d-/n 14 clays and the ll2r<s!er taJces place aIte( 1.4 clays, or)<XI laiI to givo us proper instnJdions ltla, v.<xJfd enable us to place the stop Ofilhe ~~~ ' 8. SummAry or the Ananc:!.al" Instltutlon's Failure to. M.ake 0( Stop CertaIn transfer; I.lAC-ff PSECU &ails to complete a lran:$adion 0l'1 ti11e orin the o;)lTectamoc.znJ... .men properly ......r..<lad by)<><J, PSEOJ wlII bo _ lo< <lama,,"" ewsed by' 0<Jr la.lurvlA'1less: (1) ltlorv arelnw/(lQer~!Jnds n)'OUl' A<CO<InC 10 """""'10 It-... lraItsIer; (<)1l1e (Imds n)<Xlr aCCO<Jn(.,.. """"""od; (3) !he blds art ~ . 10 Iegalprooe$S; (4) .... b-ansadlon)<><l ~ ~ e>:oHd lI>e ~")OUr " ao:oont p/IJs Urj avaJabIe _roralt F'Oladlon; (5) lI>e Money "= c.nrer. PLUS ~om or HONOR,IJ"M I\;I.s iosutIldonl cash '" ~lete lI>e lransactlon; (5) )'OUr catd /!as been l"ejlOrled lost or ftolon and)'lU ant using Il1e I'ajOOtled cart!: (7) PSEOJ../!as reason Ie bo~ Ihal lI>e Iransacllon 1"OQlJ<l'le<l. b ~ (8)....1abo Is due 10 an ~ ~ lhaI)<lU""" abo<Jt when I"'<J <tlIlad .... lrarosacllo<1 at lI>e Monoy ~ c.nter. P1.US System or HONOR IJ"M; ~) lI>e fabo was caused by an act of God. trI, or _".,.,.. 0,:>1>0, or by Urj olhe( c:aus. beyor>:l (Onln;I; (10) r)<lU ~ b ~ a _ thai. at a Money k>:M$ C<onl.... PLUS _,_" or HONOR 1Jl,(, or ",",,*.ant Iormhallhalls no<.~ ~ Jstod aboYo; or, (11) h ~ v.wld _lIle ucurfty Im/ta:llorlS 0(1 .... use 01 p.x J.!ooey k:<;e$s Card. . ACH and SST. ~ PSECU Ials Ie ~.. I trar=dlo<1 0(1 tltM or n h lXl<T"Oct ~ when f'""PO<II.lns<ro::<od by )<><I, PSECU -MIl bo &able f:< <IemO~ eausod tot 0<,< Ide" Lrlett (1) ltlorv ... hsuIliclont Mlds k1 )'OUf ~ ~e .... b"ans'..r, t2) ..... I\mCs n )?<...COOU'lt... ~ed; (J.!.-..A "'" a:e ~ Ie Ieval p=: (4)lIle lra..,..cdon )<Xl re<;uesl ...,.M -...-.. I\:OCs n )?<.< .=<.r.l p/u< any .-.-.I!a/:)Ie owcralt ~ (5) PSEOJ ~~ lo bo....... 11-..1 lIle taructioo _ad Is ......uC>orlzed: (5) the be)'Ond ca<-=d by.., ad o/G<>l, fire, orc<:1erca~, orbyano(he<C:""~ V It>< corrc<.. Ir1 Urj ",""" PS<;CU ......., be iiliil ." a.:<uaI ~_->" PSEOJ' ta.:lu~"'t:"Ioaka~trar.s.a.ctionre-s.utt&dfror:1abor.a~ e...ro(~.e . s:~re:s 1o....-;X! wen errors.. Sl. Dl.J.el.o:&,unl toThtrd P3rtf~$ ~ to MAC, ACH and SST .PSEOJ ..,11 e,""""" r'..om-.a&<\ a!::<.<.~.~': ....ri1:y'''''' t'"ire pa.~ (1) ..!-.en V" r~-f 10 """",",.. transacoons, firM p.ar:y. e.rls-:.e<1CEl a.,'"Jd r..ar6no; ct y-...-.:( eo::o<..'nf. ~ PSECU U'pO'1 re<\ue:Sf ~11 crOe~: """" as a c:-eG1: t.....u; (3) '0 ~ >ot.'l go-...rrment .~rq or ",;r.erl. or (~i"1 ~.,a.-ce.;o, y..<.:r """en porrn<s.sioo;(S)10 """ply -;:(~,..:ar,; cr ~~ .~rcl SlJrr.r:"oOfUe.$, cutopo.tW".a.5. cx:court ~ ~ ~.a:on ==:lon lrc<:1 a ~raJ )..,,-..cq or 6ope.~ tt-": a _. or<! (7l ,.fl<o k Is h ~""" """ U;e R;;+;t 10 Fr...-daJ pr'ro'8Ct}.d.0I1~'", Is ~ Ie taJ:ole-;2J &:do<llo ,..".",r~""",,. ~~l!(""'-W ---- ~._ _____._. _____'_6 _. ~-- -.----..., J-' n.,."""",r ona~, -. ~l"U'~rsonal~I...oet1(PSL). . . b) W1l>c!r.tw cash ""'" )<<K CI>ecf<lr'og and )<<K Regular Share<. c) Mako . cash advanoo from l"U' Pv~ SoM::olI...oet1 (?St.). d) Depo<lt cuTeocy. ch6clcs. <<<lraIts ("*" tm no(~) I:>r~ to PSEOJ I:>r clepos1t 1n)'OUt Cheddng and l"U' ~r Shares. HOTE.: The... .... lmIted Iocallorts h Ma<)'!and ..t>ero doposIIs may be made. We ..&h 10 InJorm )"U IN' some MOtlEY ACCESS cemERs located In u..... .ate"" may onIyprovlde.ccess 10 )'O<XCI>ed<lng.,l"U' RegJIar Sl\ares. and y><.< f'ets<>t\al SeMoe Loan. Hot a.I MONEY ACCESS CENTERs rr'Zf a"""pl ~. The... may als<> be imils "" It>e amount 01 f1Jr',ds -.tUch )"U may cleposit In cerWn MOtlEY ACCESS CENTEP.s. 11. PLUS SYSTEM"" S.",Ie<.$ . MAC Only - You may ..... )<><Ir MONEY ACCESS CARD ""'~ )Q<Jr Pv=<lal Icle<1'ffication Humber (pIN) III &nf PWS ~YSTEM automaled lener mocl\ino (Pl.lJS SYSTEM ATM) located ~ lhe United Stal", Puet10 Rlco, CaMda. arut B<ltaln and Japan to condv::t &nf of lhe folla.oMg ~= "" !he .=<."'" .~ by)<lUf MONEY ACCESS CARD. .) Determine !he ao:o<Jnl baIanoo(s) 0Il"U' CMcldng, )Q<Jr ~lar Stlates, and )'OUt Persooal Se<vIoe Loan (PSL). b) W<thCtaW cash from y><.< Q-..dCog and y><.~ Regular Shares. c) J,W:a . cash advar.oa (rom l"U' Personal SeM::olI...oet1 (PSl). H()T"8 Depos1ts .... no< available ltvo<.7> P1..US SYSTEM ArMs. TJ">e$e ate It>e MONEY ACCESS, CENTER seMoos o.irrontly ~ ~ !he PLUS SYSTEM no""""- O<her seM= may be oIiered In the """"e. 12. HONOR' Syr.em SeMoos . /.lAC Only - You may usa )<><Ir MONEY ACCESS CARD -.llt1 )<<K Personal kle<ttH\calIC>O H....roer (PlN) .t &nf HONOR automated telle! l1'.acNne (HONOR ATl.I) Iocaled ~ FIor1da and other arus ...nere 1Ile'}' tm liONOR 1Jl,ls. The tolIcwlog trar=ctions may be dor>e "" the .o:ooJiis aCO!$$&d by )QUI' MONEY ACCESS CARD. a) De!etTTline 1he aeo:x.'l'lf bafa.r.oe(s) ot)'OUr (:::h.eckl'ng. ~ R~u[ar Shares, and )"Ur PvfSO<\al Service Loan (PSL). b) W<thCtaW cash from )"Ur Ctledcing .nd l"U' Regwr Shares. 0) J,W:a . cash advar.oa ~om )<><Ir Pv=naJ SeM::olloan (PSL). HOTE: Deposits tm nol avaltabla lt1rovllh HONOR SYSTEM ,I;fMa. These are lhe IdONEY ACCESS CENTER seMGes OJrrently ..".,'labIe ~h !he liONOR SYSTEM networl<. Ol!>er services may.be of.-red In t)<l Mute. 13.Olhe<ATloIHetwor!<Aeoeso .- /.lAC Only - From tlme to ~me. PSECtJ may make .rrangemet1ts -.llt1 Olhar IJ"M ....twOtl<1to gratlt &COe$S 10 MONEY }DCCSS CARDs. PSCCU ohaJIlnIorm)"U _ suct1 ~ are made and clescr1be t>e services 1t\al are_liable lo)"U.My~v.llIaIs<>be_ 14. P\m;tIua TreM&dloou1t of a.I audl. I'urd"\&Sa$ o.ilIbe <leO ~O<! from )'O<X ChecIa-.g. When )"U lnaJ<a . Purt:Mso using Ih<l MOtlEY N:;t:;;6S CARD. )"U o.ilIbe requesang PSECU 10 v.f.t>:!taw Iunds frt:m)'><lf ~ In !he &mo<.r.l 0I1t>e PI;r1:ha.se and dlre<:ting PSEOJ to ~ lhes4 Iunds 10 audl Mert:hant. S. ~ "" llle tne of )'<lur MOIlEY ACCESS CARD t.U.C Only - You may ~ "p 10 $.500 per day from one Of . c:ombInation 01 )'O<.~ ao:o<.m's by us!ng . MONEY ~SS CARD proo.ided Ih<l Iunds are avallab/e .: I MONEY ACCESS cemER. PLUS SYSTEM or HONOR Sys:orn ATM. In adOtlol\ )"U rr'''''i'~ "p 10 $SOO &l point cf cale ~ PSEOJ ~ IIle ~ 10 reGuoo INs <la]-j irrIt II &rrf lime. In !he ........ !hat )"Ur Cally Jmllls le$s lt1aI1 $SOO. PSEOJ w!:I ~ )"U of the """ "",,,,,:ion. The Czj l:>r,.;:r,crawaJ itrits c:arts .112 mk!rdg1t each Czj and e<>Cs It 12 ~ht tr.. nex: Cay. ~ security PU~. tr..re .... &!so oerta!n c!a3y "".i'..atio:<-s "" tho! f:",,_ or ..... oIl1'.e MOtlEY ACCESS CARD. ~. ltJe.sa imitatior'.s "''"9 not re-.oe..al.ed b" s.eo.:r!rl f"e.a.SO(\S. 'l"h.e Per.l\.S"jivarla State ~ C<.cn Unlof11s net ~ Ie meJnta:f1 suct11im1'.a"""" You "f'l be derM ..... or )"'Jr MONEY ACCESS CAflO,~ )<l" e:re<>e<ltho! =/ ~ra'r'f'SVp\Jn::hasa im1t. rf you do net "'.a-..-e adequa:e fU'Od.s ..-ta1~ i1)'CC..'l" &o:o....r.t, 00 ~ 4!11ter t"".a o:<red Persc<'.a! ~CtlC8tSoo Nt,;t':".l:>er (?lr-t), 0( e.:r.c:eeC e-"", fr&q,Ll'6<lCt 0/ l.-s.a~ Slni'.a!.ion. The r~~j:'{ P(o-.i6ed by ~ MONEY ACCESS CENTER. ,PLUS SYST""eM; C( HONOR Sys<em .nM, Of Meid'.ar.l ~.a1 ""-:.:1 not.:t,' )'O<J e{ N ~. 1'"l"l<<e i:; II ~ on ~ t"l..~ 0( su:h ~~ ~rrrJr.:ed At:~.s 10 e-x.::::&OO U'1oe ir.;lt ~ ntSvt: In. mad"li'".e nrter.tk::w1 01 III ~{.(~... mote ~ about. ~ hl:6d onh;;:';';(~'W' C(r~'~ ....... he4f """)"U no late< lhan ro cley.l all..-. seo()"U the ~'-~ _!he P<'*""" Of""'" appeared. \W r=t pnM:le the ~;;::;:::","", "" (')YO<Jfneme. ao::o<r.l~. ard MOtlEY ~ CARe ~.......1lot1: lnlnsa<lSct1). Of nlerenoe rurt>er ~ Sell-SeM:o TeIephqr,o T~.lMC 0es<:t1>e 1ho e_ Of lhe _ )<lU are U"lSUtI ab:io.A. ~-----): (b) doarly as)<lU can v.l1)')"U ~ k Is an error Of v.l1)' yOu r>eed !he ~ ... and; (e) The dcllaf amo<;t1t of tile suspec:ed errc<'. """""I5on. ~~~=~~~~~~~~~ -.lthin 10 ~ ~ b- MONEY ~SS CENTER, PLUS ~'; HONOR SYSTEM. SELF-5ERVlCE TELEPHONE. Of DIRECT OE8ri':'::~~ TRANSACTlONS, or 20 cley.l b- MONEY ACCl:SS CENiER ',""""",, I tr.lnsa~ f...... need more w.., however. we may Iaks up Io-.s~ MONEY ~SS CENTER. P1..US SYSTEM, HONOR SYSTEM, Clj. 10<- SERViCE TE..EPtlONE, or OIR.EC"T OEllfTlCflEOfT ~ SElF- cley.ll:>r MONEY ~SS cerrER ~ transacllons.lt PSECu Q( SO 10 do lhls, k y,iI (8(tOd"~)'O<X 0CC0U'1t ~ 10 ~M$$ cley.ll:>r the ~' Ies 1hW< Is 1"1 e_1 k Is . MONEY J.t:X;fCSS CEIITEF\, PLUS SYSTad, ~ . SYSTEM. SELF-SERVICE TElEPHOtlE, or DIRECT llEBfTiCflEorr ~ c< 20 t>oshess Cays I k Is . MONEY }DCCSS CEl'ITEFI ~ tra=dl<f1. \W WJ1 have 1ho use oI1he l1"lOOe:f du-'ng lhe time k ~ '" ~I. 1ho ~ f. PSECtJ cloes no( receIYe )'O<Jt ~ C<" Guestioo In wrifr,g -.lthin 10 Ws!ness Cays, PSEOJ may t>O\.~ )'O<Jt ac",ooc f. PSECtJ _ tIlere Is no enc<. )"U V<lIIbe ~ v.itNn ll>-w Wshes$ Cays.1te< 1t>e ~ Is ~!ed. You may ask I:>r cq:les oIlt>e ~ PSECU L:S&d In the lnYosll,;ellor.. I PSEOJ cre<:;ts )'O<Jf IO:Ou-rt ...no1e ~l!ng, )Q<J m.<st rep;rj lhcse "-~ I PSECtJ ~ no em><" , has o:O-.m<!. ' Notfoo To Cotuu~ra Using ATM's ". Be .lert Io)<><lf .um:><.~ f.)"U do<,l>l1he sale'Y of a par1loJler kcall<:<l ' ct-.oose anc<t>er JJ1,I. . , ' . It I!>e ATM has .n entrj door, dose IIle doer poor 10 IWating)Q<Jr b'an$actioo; . Put )'OlJr caSh away ~l3tely. ;l> Direct oompta:nts concemins Am security to an approprlate depa.ttm.ent. of the ""TIer of the ATM. lIow J<l"R)' ....ld.nts: )<lu may caIIlhe lIew J<..:ey Department of IlanlCng at (609) =..nn. ' 'For those members who purchase aveh1ple un,derthe DfllV Program, please revIew the followIng FTC .Notice: . NOTICE ANY HOLDER OFTHIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH TliE DEBTOR COULD ASSERT AGAlNST.TliE'SEU.ER OF GOODS. OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. 'RECOVERY HEREUNDER BYTHE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BYTHE DEBTOR HEREUNDER. .., 5. ~ g ~ - C> .!!~!:! _cll ~~~ S!. 8.~. ..s..&; c::J ~ ~c.. C'c ... ee", .<= e> c o c.. B:S., c: C c> aO~ c e... ii:~'fi .. t: ~ w8o. Cl",_ "'CO ~ e ~ o~~ wf!.. u~c :z~.., ~c>~ "- o.", ~ ~ :> f s il ~ ~ ~ is . "E .. o ~ > ~ o -< '" :> -g -" s:; C E- :i ==~ z::: ; F oS _, ~ eEf3 Cl cu._< ii . lJ ~ .3lI:; ...C1"''C' Cl Cl ~~ c : ..c:. c- .5! Oii-;.!! Q.. ..: 0 t:~ _ Cl_ 0 c: ii-u..i- "E C :;J Cl c: Cl (,) 0 2i' c :S ~ E ~;:~o 0-6 c>~..",'9 <. ";i ~ c:; CI e a: c ... "" CTc ';ij C,l "'" ., ..s: Cl Cl ~ F= ...s_=c::_45c o CI c-c CI e~.!! .z:. 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" C "i~~~.2 "'E- o 0 8.:IF ; :e~3: E ~....O ~~ ~ ...S'C ~ ~~ - c i"- 0 f~"OE",B o .. ::10 0 "'~g"Efjf '" E E ? 0 '" c.... e <J~ ... ~o_c::...~ '0 C 8.:l,.." ; '" _-::""CJ.5~ .. . ~ .8 g &::"'013 :> ='lJ.c- , ~ o "0 i e .~>- oc_ E Cl ~ci -;; u O~g~j . ~ .." >< ~ e Cl .! c.t-. ~ ~gl1cg"E ::~~G:J 4:) e-Cl c .>= ... s:i c c ]-..,,,,"'E " u E. j ]!~,; e es5iE.E>:~ f ~ =.s!.E~g{; ~ - .c:g " ClE:l'('.j E ;;; oll...2g.5< E .; ~~,.: C>11.c::> lS ft "3 - ~("? .. Cl----g ~ ~ ~ E ::; (5 ~!..e~~I e -goc~ ~ " ,",~~e~~ " c!1~.,; ., :. Z; f .. f. c"'~' s t.;'..,.8 0 <.J >-.c:fj's; c.. ~ -- ......' ~_____._.____"._w_ ;oR~ Ii t- ~ ..... f.. lrt t5~() ~ ~ :tJ -0 p:.. ~ '--( () ,-- ~ ~ ((\ .l ., -.....: SHERIFF'S RETURN - REGULAR CASE NO: 2003-04823 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PENNSYLVANIA STATE EMPLOYEES VS LANE WILLIAM BRYAN CPL. MICHAEL BARRICK , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon LANE WILLIAM BRYAN the DEFENDANT , at 1534:00 HOURS, on the 25th day of September, 2003 at 25 BALTIMORE STREET CARLISLE, PA 17013 by handing to DEBBIE LANE, WIFE a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 6.90 .00 10.00 .00 34.90 So Answers: ~~ .~ -f~ R. Thomas Kline me this :1 "'-<< day of 09/26/2003 GODFREY & COURTNEY ~ Sh~riff By: Sworn and Subscribed to before @cW,.,u ~ 0lJ3 A. D . ( )."t-t- Q. /vz.j~ ~ --r-prothonotary , Godfrey & Courtney, P.c. BY: Steven C. Courtney, Esquire Attorney I.D. No. 74669 P.O. Box 6280 Harrisbul"2. PA 17112 (717) 546-3900 PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Attorney for Plaintiff Plaintiff IN THE COURT OF COMMON PLEAS, CUMBERLAND COUNTY, PENNSYLVANIA vs. NO. 2003-04823 WILLIAM BRYAN LANE, Defendant CIVIL ACTION -LAW PRAECIPE FOR JUDGMENT Enter Judgment in favor of Plaintiff and against Defendant, William Bryan Lane, for want of ANSWER TO COMPLAINT. (X) Assess damages as follows: Debt ____n________________________________n___________________------$ 13,510.70 Attorney's Commission------------------------------------------ $ 2,702.13 Interest-------------------------------------------------------------- $ to be determined Filing costs--------------------------------------------------------- $ to be determined TOT AL------------------------------------------------------------- $ 16,212.83 plus costs (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. (X) Pursuant to Pa.R.C.P. 237 (Notice of Praecipe for final judgment or decree), I certify that a copy of this praecipe has been mailed to each other party who has appeared in the action or to hislher Attorney of Record. NOW, u{)rll \ (X) Pursuant to Pa.R.C.P. 237.1, I certify that written notice ofthe intention to file this praecipe was mailed or delivered to the party against whom judgment is to be entered and to hislher Attorney of Record, if any, after the default occurred and at least ten days prior to the date of the filing of this taecipe and a copy of the notice is att ched. DATE: \~\'YV\J;/ Signature: Steven C Courtne, squire Attorney or " f P.O. Box 6280, Harrisburg, PA 17112 (717) 540-3900 ID#: 74669 , 2003, JUDG~~T~~~OVE Prothonotary/Clerk, Civil~~ r\\..ut--- -av: ~~-.. f7 -7''!I?f.4<Yv, 'U~ J.f Godfrey & Courtney, P.e. BY: Steven C. Courtney, Esquire Attorney I.D. No. 74669 P.O. Box 6280 Harrisburg, P A 17112 (717) 540-3900 PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Attorney for Plaintiff Plaintiff IN THE COURT OF COMMON PLEAS, CUMBERLAND COUNTY, PENNSYLVANIA VS. NO. 2003-04823 WILLIAM BRYAN LANE, Defendant CIVIL ACTION -LAW TO: William Bryan Lane 25 W. Baltimore Street Carlisle, PAl 70 13 DATE OF NOTICE: 16 October 2003 IMPORTANT NOTICE YOU ARE IN DEF AUL T BECAUSE YOU FAILED TO TAKE THE ACTION REQUIRED OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN (1 0) 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. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP: Cumberland County Bar Assoc. 2 Liberty Avenue Carlisle, PA 17013 717. .3166 By: -----~ Steven C. Courtney, EsqUIre GODFREY & COURTNEY P.O. Box 6280 Harrisburg, Pennsylvania 1711 0 Telephone: 717.540.3900 J.D. # 74669 Attorney for Plaintiff OFFICE OF THE PROTHONOTARY OF CUMBERLAND COUNTY Curt Long Prothonotary Telephone: (717) 240-6100 Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff: PENNSYLVANIA STATE EMPLOYEES CREDIT UNION versus Defendant: William Bryan Lane Judgment No. 2003-04823 CERTIFICATE OF RESIDENCE PA. R. C. P. 236 I, hereby certify that the precise residence of Plaintiff is: Pennsylvania State Employees Credit Union 1 Credit Union Place Harrisburg, PA 17110 and certify that the last known address of the within defendant is: William Bryan Lane 2S W. Baltimore Street Carlisle, P A 17013 ..-// Steven C. Co uire GODFREY & COURTNE P.O. BOX 6280 Harrisburg, PA 17112 717.540.3900 Attorney for the Plaintiff Attorney ID# 74669 c~ n o(Q. ~14-\:-O ~ ~ w & ~~&~ k '" ~ Q, C') 1.._ c,..) [J) if '5 - '- ~':~ -< . r; ~-- :> .-" "-:.' (;;_.' ..z;.... (:'-:-~ :.......' :2: _~ ::J - -< (::; ~ PENNSYL VANIA STATE EMPLOYEES : IN THE COURT OF COMMON PLEAS CREDIT UNION, : ~u~(2.0()d COUNTY, PA Plaintiff VS. 10 U ~ 1)KjCl{) laJ0f) Defendant NO. d(X)3- CJ.,f't,"d, 3 CIVIL ACTION -LAW PRAECIPE TO WITHDRA WIENTER APPEARANCE TO THE PROTHONOTARY: Please withdraw Steven C. Courtney, Esquire of the Law Offices of Steven C. Courtney, P.C. as counsel of record for Plaintiff in the above-referenced matter. Please enter the appearance of Melissa 1. Van Eck, Esquire of Van Eck & Van Eck, P.C. as counsel of record for the Plaintiff in the above-referenced matter. By: By: Date: Document #: 2/8597./ Respectfully submitted, / s""'n~~ Attorney ID #74669 P.O. Box 6280 Harrisburg, PA 17] 12 717-540-3900 l/&Julf/i Ui Melissa 1. VanEck, Esquire Attorney ID #85869 P.O. Box 6662 Harrisburg, P A 171 l2 717-540-5406 Attorney for Plaintiff r'<J (~:) \.; ----