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HomeMy WebLinkAbout07-5217R08ERT D. KODAK, ESQUIRE KODAK & IMBLUM, P.C. 407 N FRONT STREET, PO BOX 11848 HARRISBURG, PA 17108-1848 (717) 238-7159 Attomev for Plaintiff BLUE CHIP FEDERAL CREDIT IN THE COURT OF COMMON PLEAS UNION ~ CUMBERLAND COUNTY, Plaintiff :PENNSYLVANIA v NO. p'7- 0217 Civil ~prrn JOHN P. KAMARER and SHELBY S. KAMARER Defendant(s) ~ CIVIL ACTION -LAW NOTICE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claim set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail. to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFIGE 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 BAR ASSOCIATION TWO LIBERTY AVENUE CARLISLE PA 17013 (717) 249-3166 vlso USTED HA SIDO DEMANDADO/A EN CORTE. Si usted desea defenderse de las demandas que se presentan mas adelante en las siguientes paginas, debe tomar action dentro de los proximos veinte (20) dias despues de la notification de seta Demands y Aviso radicando personalmente o por medio de un abogado una comparencencia escrita y radicando en la Corte por escrito sus defensas de, y objecciones a, las demandas presentadas aqui en contra suya. Se le advierte de que si usted falls de tomar action como se describe anteriormente, el caso puede proceder sin usted y un fallo por cualquier sums de dines. reclamada en la demands o cualquier otra reclamation o remedio solicitado por el demandante puede ser dictado en contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero o propiedad u otros derechos importantes pars usted. USTED DEBE LLEVAR ESTE DOCUMEIVTO A SU A80GAD0 INMEDIATAMENTE. SI USTED NO TIENE UN ABOGADO, LLAME O VAYA A LA SIGUIf NTE OFICiNA. ESTA OFICINA PUEDE PROVEERLE INFORMACION A CERCA DE COMO CONSEGUiR UN ABOGADO. SI USTED NO PUEDE PAGAR POR LOS SERVICIOS DE UN ABOGADO, ES POSIBLE QUE ESTA OFICINA LE PUEDA PROVEER INFORMACION SOBRE AGENCIAS QUE OFREZCAN SERVICIOS LEGALES SIN CARGO O BAJO COSTO A PERSONAS QUE CUALIFICAN. CUMBERLAND COUNTY BAR ASSOCIATION TIMO LIBERTY AVENUE CARLISLE PA 17013 (717) 249-3166 BLUE CHIP FEDERAL CREDIT IN THE COURT OF COMMON PLEAS UNION :CUMBERLAND COUNTY, Plaintiff :PENNSYLVANIA v ., N O. O ~ ~ ,~.zl 7 ~~( T~-- JOHN P. ICAMARER and SHELBY S. KAMARER Defendant(s) :CIVIL ACTION -LAW COMPLAINT The Plaintiff, BLUE CHIP FEDERAL CREDIT UNION, by its attorneys, KODAK & IMBLUM, P.C., brings this action of Assumpsit against the Defendants to recover the sum of EIGHTEEN THOUSAND EIGHT HUNDRED FIFTY-THREE DOLLARS AND SIXTY- FOUR CENTS ($18,853.64), along with interest as set forth herein, upon a cause of action of which the following is a statement: 1. The Plaintiff, BLUE CHIP FEDERAL CREDIT UNION, is a Banking Association organized and existing under the laws of the Commonwealth of Pennsylvania, having mailing principal address of 5050 Derry Street, Harrisburg, Dauphin County, Pennsylvania 17111. 2. The Defendant, JOHN P. KAMARER, is an adult individual residing at 1117 Bridge Street, New Cumberland, Cumberland County, Pennsylvania 17070. 3. The Defendant, SHELBY S. KAMARER, is an adult individual residing at 1117 Bridge Street, New Cumberland, Cumberland County, Pennsylvania 17070. F:\USER\ROBIN\CCP6cDJ CMPS\CCP COMPLAINTS\BLUECHIP 33449.wpd 2 COUNTI BLUE CHIP v. JOHN AND SHELBY KAMARER LOANLINER ACCOUNT NO. 8310 A 4. Plaintiff incorporates Paragraphs 1 through 3, the same as if fully set forth at length herein. 5. On or about July 17, 2000, Defendants entered into a written Loanliner Agreement with Plaintiffwhereby Plaintiffwould loan moneyto Defendants underthe terms and conditions set forth therein. A true and correct copy of the July 17, 2000 Loanliner Agreement is attached hereto, marked Exhibit "A" and made a part hereof. 6. Defendants defaulted on their obligations under the aforesaid Loanliner Agreement by failing, refusing and/or neglecting to make the monthly payments to Plaintiff as required by the Loanliner Agreement. 7. The balance due and owing by Defendants to Plaintiff is the sum of Four Thousand One Hundred Seventy-Five Dollars and Ninety Cents ($4,175.90) as more particularly shown on Plaintiffs March 29, 2007 Statement of Account, attached hereto, marked as Exhibit "B" and made a part hereof. F:\USER\ROBIN\CCP6iDJ CMPS\CCP COMPLAINTS\BLUECHIP 33449.wpd 3 8. Due to the default of Defendants, and pursuant to the terms and conditions of the Loanliner Agreement executed by Defendants and hereto attached as Exhibit "A", attorney's fees in the total amount of Eight Hundred Thirty-Five Dollars and Eighteen Cents ($835.18) have been added to said account. 9. Plaintiff frequently demanded payment from Defendants of said amount due and owing as aforesaid, but Defendants refused and neglected and still refuse and neglect to pay said amount or any part thereof. WHEREFORE, Plaintiff brings this suit to recoverfrom Defendants the sum of FIVE THOUSAND ELEVEN DOLLARS AND EIGHT CENTS ($5,011.08), together with interest at the rate of 8.5% from May 30, 2007, as set forth herein. COUNT II BLUE CHIP v. JOHN AND SHELBY KAMARER VISA ACCOUNT NO. xxxx-134341 10. Plaintiff incorporates Paragraphs 1 through 9, the same as if fully set forth at length herein. 11. On or about December 17, 2001, Defendants submitted a Credit Card Application to Plaintiff, a true and correct copy of which is attached hereto, marked Exhibit "C" F:\USER\ROBIN\CCP6iDJ CMPS\CCP COMPLAINTS\BLUECHIP 33449.wpd 4 and made a part hereof. 12. Defendants did, at various times, in various places, and for various amounts, avail themselves of using the card for credit, thereby creating a balance due and owing in the amount of Two Thousand Six Hundred Sixty Dollars and Forty-Five Cents ($2,660.45), as set forth on Plaintiffs March 29, 2007 Statement of Account attached hereto, marked as Exhibit "D" and made a part hereof. 13. The prices charged for said goods, wares, merchandise, services, andlor labor which Defendants charged on said card were just and reasonable, were the legal and market prices therefor and were the prices which the Defendants promised and agreed to pay. 14. Due to the Default of the Defendants and pursuant to the terms and conditions of the Credit Card Application executed by Defendants hereto attached at Exhibit °D", attorney's fees in the total amount of Five Hundred Thirty-Two Dollars and Nine Cents ($532.09) have been added to said account. 15. Plaintiff frequently demanded payment from Defendants of said amount due and owing as aforesaid, but Defendants refused and neglected and still refuse and neglect to pay said amount of any part thereof. WHEREFORE, Plaintiff brings this suit to recover from Defendants the sum of THREE THOUSAND ONE HUNDRED NINETY-TWO DOLLARS AND FIFTY-FOUR CENTS ($3,192.54), together with interest at the rate of 10.9% from May 30, 2007, as set forth herein. COUNT III BLUE CHIP v. JOFIN KAMARER LOANLINER ACCOUNT NO. 8310-D 16. Plaintiff incorporates Paragraphs 1 through 15, the same as if fully set forth at length herein. 17. On or about May 9, 2001, Defendant entered into a written Loanliner Agreement with Plaintiff whereby Plaintiff would loan money to Defendant under the terms and conditions set forth therein. A true and correct copy of the May 9, 2001 Loanliner Agreement is attached hereto, marked Exhibit "E" and made a part hereof. 18. Defendant defaulted on their obligations under the aforesaid Loanliner Agreement by failing, refusing and/or neglecting to make the monthly payments to Plaintiff as required by the Loanliner Agreement. 19. The balance due and owing by Defendant to Plaintiff is the sum of Eight Thousand Eight Hundred Seventy-Five Dollars and Two Cents ($8,875.02) as more particularly shown on Plaintiffs March 29, 2007 Statement of Account, attached hereto, marked as Exhibit "F" and made a part hereof. 20. Due to the default of Defendant, and pursuant to the terms and conditions of the Loanliner Agreement executed by Defendant and hereto attached as Exhibit "E", attorney's fees in the total amount of One Thousand Seven Hundred Seventy-Five Dollars ($1,775.00) have been added to said account. 21. Plaintiff frequently demanded payment from Defendant of said amount due and owing as aforesaid, but Defendant refused and neglected and still refuses and neglects to pay said amount or any part thereof. WHEREFORE, Plaintiff brings this suit to recover from Defendants: A. Count I :the sum of FIVE THOUSAND ELEVEN DOLLARS AND EIGHT CENTS ($5,011.08), together with interest at the rate of 8.5% from May 30, 2007, as set forth herein; and B. Count II -the sum of THREE THOUSAND ONE HUNDRED NINETY-TWO DOLLARS AND FIFTY-FOUR CENTS ($3,192.54), together with interest at the rate of 10.9% from May 30, 2007, as set forth herein; and C. Coun# III -the sum of TEN THOUSAND SIX HUNDRED FIFTY DOLLARS AND TWO CENTS ($10,650.02), together with interest at the rate of 14.5% from May 30, 2007 as set forth herein, For a total balance due and owing by Defendants to Plaintiff of EIGHTEEN THOUSAND EIGHT HUNDRED FIFTY-THREE DOLLARS AND SIXTY-FOUR CENTS ($18,853.64), plus interest as set forth herein. Respectfully submitted, KODAK ~ tMB~.UM, P.C. Robert D. Kodak, Esquire 407 North Front Street Post Office Box #11848 Harrisburg, PA 17108-1848 (717) 238-7159 Attorney ID No. 18041 Attorney for Plaintiff ~.WB~HIP FEDERAL CREDIT UNION ' ~i0 berry Street Office Hours: 8:00 a.m. - 4:00 p.m. '~ lamsburg, PA 17111 (717) 5F t-3081 Open-End Disbursement Receipt Plus KAMARER, JOMN'PHILLIP 1117 BRIDGE ST NELf CUMBERLAND, PA 17070 8310 ~- - 07/17/2000 BORROWER 2 NAME KAMARER, SHELBY :~X •ra+ THE ADVANCE IS SECURED BY YOUR SHARES, ALL PROPERTY SECURING OTHER PU1N ADVANCES AND LOANS RECEIVED IN THE PAST OR IN THE FUTURE, AND THE FOLLOWING PiWPERTY: PROPERTY/MODEL YEAR I.D. NUMBER VALUE KEY NUMBER 8 1995 DODGE CARAVAN 1B4GH54L3SX583082 a 11,710.00 s a PLEDGE OF SHARES ACCOUNT PLEDGE OF SHARES ACCOUNT AND/OR DEPOSITS ' 1 NUMBER AND/OR DEPOSITS i NUMBER PROJECTED LOAN TERM FOR INSURANCE: 60 Months .0232876 % 8.50000 % Fixed ° a 11,357.50 AMOUNT ADVANCED PAYMENT AMOUNT DATE DUE PAYMENT FREQUENCY LINE OF CREDIT OMIT REMAINING OMIT a 11,357.50 e252.45 08/17/2000 Monthly aN/A a N/A By accepting the proceeds or by using the funds advanced and deposited into your share/share draft account or paid to a third party, you agree 11 )'that the property reterenced above will secure the advance and any other advances you have now or receive in the future 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 with the terms of the Plan and (2) to make payments as disclosed above in accordance with the terms of the Plan. The fol%win is ~a h a /i es on wh en the b 8 Pa 9 P PP lY ox above is checked. NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. • D7/17/ZODD AYS CHECK NUMBER: BRANCH NUMBER: PREMIUM FOR: MAIN PLANISUBACCOUNT NO.: 831 D PROCESSED BY: ALS M.TG ~ n•u nwm.w..w ww....~..-w ~vs~n vrn n 07/17/2000 PROVED BY LOAN C01~1ITTEE 7/17/OO...ALS INITIALS r n ®CUNA MUTUAL GROUP, 1998, ALL RIGHTS RESERVED VXX083 (LASER) 27860 BLUE~CHIP FEDERAL CREDIT UNION 5050 Derry Street Office Hours: 8:00 a.m. - 4:00 p.m. i-Iarristn.Irg, PA 17111 (717) 504-3081 4 Application M AppNcants: May apply for a separate account. Individual Credit: Y'ou must complete the Applicant section about yourself and. the Other section about your spouse if: 1. you live in or the property pledged as collateral is located in a community property state (AZ, CA, ID, LA, NM, NV, TX, WA, WI), 2. your spouse will use the account, or 3. you are relying on your spouse's income as a basis for. repayment. If you are relying on income from alimony, child support, or separate maintenance, complete the Other section to the extent possible about. the person on whose payments you are relying. Joint Credit: If you are applying with :another person, complete the AppNcaM and Other sections. tiuaranlor: Complete the Other section if you are a guarantor on an accountlloan. LOANLNIIER AccouMJLoan: Joint Loan !Including ATM/Debit Card Access to the Account if Available! Amount Requested $ 10,947.50 Purpose/Coltateral: CHPT 7 BANKRUPTCY Repayment: Cash PAYMENT PROTECTION Yes Single Credit Disability The credit union will disclose' the cost of this voltnta insurance to you. A separate insurance election which discloses No Single Credit life the terms and conditions alust be signed for coverage to bec No Joint Credit. Life effective. ::.::.....:::::........... <<:: ::::><: e SHELBY 202-46-5457 17903409 PA A 1D.12 02/02/1957 (717)770-0525 <800)528-5228 Rent 1117 BRIDGE ST NEW CUMBERLAND, PA 17070 5,00 r STATE:.. ~ v..-~ , STATUS: Married ::: •:: " "' $3,467.00 PER MONTH :. NAME AND NORFOLK SOUTHERN ADDRESS OF EMPLOYER ROANOKE VA TITLE/GRADE START DATE HOG CONDUCTOR 07/01/1996 44-4 1117 BRIDGE STREET NEWCUMBERLAND, PA 17011 PROPERTY STATE:........,. ...,..~......~.......... ......... ~ ...., .,..,..~..,.... . MARITAL STATUS: Married Net $555..00 PER MONTH Net ~~~~ NAME AND ~ NEW CUMBERLAND VFW ADDRESS OF C(1NRAIt • ALIMONY, CHILD PPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT BE REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED. OTHER INCOME $95.00 PER Month souRCE VA BENEFIT $ PER SOURCE $ PER SOURCE $ PER SOURCE :I U Y A NO WHERE ENDING/SEPARATION DATE YEARS fi • AND ADORESS OF NEAREST RELATIVE NOT LIVING WITH YOU PER SOURCE PER SOURCE PER SOURCE PER SOURCE A No ENDING/SEPARATION DATE AND ADDRESS OF NEAREST RELATIVE NOT LYING WITH YOU .w, o REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED. OTHER INCOME $ $ $ $ FIVE YEARS ®CUNA MUTUAL GROUP, 1980, 82, 84, 88, 89, 98, ALL RIGHTS RESERVED PAGE 1 Axx020 (LASER) 27860 ~t~:~:::r:'~!!:::?~:E.'FK:~:i:~:i:i<>: (Attach additbnd sheet(s) if necessary) RATE PRESENT BALANCE PAYMENT AppLIC OTHER BLUE CHIP FEDERAL CREDIT UNION $ 548,4.74 $ 164.15 X SAME AS APPLICANT S S X MARION ROTZ $ $ E~50.00 X S S 5 S S S • S 5 S S S S S S S S S S s s s s UST ANY NAMES UNDER WHICH YOUR CREDIT REFERENCES AND CREDIT HISTORY CAN BE CHECKED: TOTALS ~ 5,454.74 $ 814.15 Lair IaOI~?Ir~M DF ~'~~H MARKET VALUE ~ t~lAM ... .:., 401K $ 500:00 No X S S S S S S S S • •• • ., ,. ,~y_; IF YOU AMaWER "Y~' TO' A1LY O~rIW1 OTHER THAN IR7. EXPLAeI 011 AN ATTACHE SHEET APP11CA61'r OTHER t. ARE YOU A U.S. ClTlip~l OR PEIpdANENT RESIDENT AUENt Yes YeS 2. DO YOU C Y HAYS ANY OUTSTANgNG JUDit~ITS OR NAVE YOU EVER FILED FOR BANKRUPTCY, HAD A DEBT ADJUSTMENT PLAN CONFIRMED UNDER CHANTER 1 S, HAD PROPERl'Y FORECC06ED UPON OR RBPbSSESSED iN THE LAST 7 YEARS. OR BEEN A PARTY IN A LAWSUITT Yes Yes 3. IS YOUR INCOME LIKELY TO DECLINE tN THE NEXT TWO YEARST NO NO 4. ARE YOU A CO-MAKER, CO-SICaNER OR GUARANTOR ON ANY LOAN NOT LISTED ABOVE? NO NO FOR WHOM (Name of Others Obiipated on Loen1: TO WHOM (Name of Creditor): " ••xi""'' Old fi~B~ITS t1~.Y: The Ohio laws ' t '~ sgainet dscrimination requee that ail creditors s esMit squaNy avalf~le to all cr~ttnrorthy ctla>9aRlers, arKt that aradtt Ling agencies maintain separate credit historfea on each indivWt~l request. The Ohio Civif Rights COrmniasion atilntgisters contpifance this law. i REiT3 W+p.Y: (1i No prflvision of any marital p~op8wty nent,' unRatsral statement under Section 786.88, or colxi decree Section .768.70 wiN advetaely effect the of the Cts~t Ur~on unless the Credit Union is futatiehed a copy of the reerTlent, statement or deoreo, or has aotuai krrowls~ge of i~t Lerma, is the credit isAgranted or the account is opened i~ ese sign if you are not f for this account or loan with your spouse. The credit being applied for, f granted, will be incurred in the interest of the age or famNy of the undersigned. SIGNATURE-FOR y1NSl promise that evrAry~ing yt-u have statisd ht this appon is correct he beef of your knowledge and theft the abows Information i8 a plate listing of what you owe. tf there are any important changes you notify us n writing immedisuely. You authorize the Credit Union to in credh reports in connection with this ap~ication far credit and for update renewal or extertafon of the credit received. You understand DATE that the Credit Unbn wNi rely on the ir~ormatiwt i~ this application e your credit report to make ha decisidlt. ff you request, the Credit Urli will teN you the name and address of any credh bureau from which received a credit refit on you. k is a fedsret crlrne to wUii!uUy a daNberetely provide incomplete pr incurrqct information on loan epf cations made to federal credit unions or/~state charged credit txtio insured by NCUA. , ~ X APPROVED APPROVED SIGNATURE LINE OF CREDIT OTHER OTHER DEBT gATIO/SCORE LIMITS: ~~ BEFORE AFT 07/17/2000 ~;~ ~„ N~ ~ S $ ........5.10,947.50 $ LOAN OFFICER COMMENTS: DA BLUE CHlP FEDERAL CREDIT UNION 5050 lS~trry Street Office Hours: 8:00 a.m. - 4:00 p.m. F~arrisburg, PA 17111 (717) 564-3081 Open-End Plan Signatures PLUS (BORROWER t NAME JOHN PHILLIP KAMARER ACCOUNT NUMBER 8310 BORROWER 2 NAME SHELBY KAMARER ACCOUNT NUMBER in Lending Disclosures, will be referred to es "the Plan." The Plan documents include this Agreement end an Addendum. "You", "your" and "borrower" mean any person who signs the Plan. "Credit union", "we", "our" and "us" mean the Credit Union whose name appears on the Plan or anyone to whom the Credit Union transfers its rights under the Plan. Some of the provisions of the Plan apply only if the Credit Union is state chartered. A credit union .has. a state charter_~if.its name .does not include the words 'Federal Credit Union" or "FCU". This is a muhi-state document which may be used to lend to borcowers in all states except Iowa, Wisconsin and Louisiana. 1. HOW THtS PLAN WORKS -- This is an open-end, multi-featured credit flan. We anticipate that, from time to time, you will borrow money (called advances") under the Plan. Ws are not required to make advances to you urxkr the Plan and can refuse a request for an advance at any lima. 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 corcesponding 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 credh limit is set for a subaccount, you promise not to exceed the established credit limit. If you exceed the credit limit, you -- -premise to r 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 wa 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 bean 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 wilt still be required to make the regularly scheduled payments unless we agree in writing to a change in the p ment schedule. If you have a joint sharedraft account, you will be responsible for paying all overdraft advances obtained by" i!` joint holder of the sharedraft account. Payments will be applied in the order tlitlsCredh Union chooses. , - 4. PLAN ACCESS -- You can obtain credit advances in any manner authorized by ug. If we snow 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. Iff you believe your ATM/Debit card has been lost or stolen, immlldiately 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 sharedraft 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 5s the finance charge owed. The balance used to compute the finance charge is the unpaid balance each day after payments and ..t: :i}:{~ . .......................................,.......... .......'.............................. ...........:.....nm....................... r..,... .. 1. You have received and read the LOANLINER Credit and Security Agreement, including the Addendum and Credit Insurance Certificate. By signing below yt3u agree to be bound by the terms of the agreement. 2. You grant us a security tin aN inrYvidud and joint share snd/or deposit accounts you have with now and M the tudue to secure what you owe under the L INE relit and Security Agreement. When you ATURE DATE {.iVY1ia w u~a~ uman~s naYe Din SUDD"aCteO an0 8ny eDarcrons LO the balance have been made. In addition to interest, we ma charge other finance charges which are disclosed on the Addendum. If the interest rate fs a variable interest rate, the Addendum explains how the variable interest rate works. B. SECURITY INTEREST -The Plan is secured by the shares and deposits in all joint and individual accounts you have with the Credit Union now.-and in the future. Shares and deposits in an lndividuat Retirement Account and any other account which would lose special tax treatment under state or federal law if given ae security are not subject to the security interest you have given in your shares and deposits. Additional security may be required depending on the subaccount under which an advance is requested. For example, a subaccount called "New Car Advances" means the security will be a new car. A subaccoumt called "Other Secured Advances" means you must offer security acceptable to the Credit Union for the advance. Property given as security for any advance under the Plan will secure all other amounts you owe under the Plan or under any other Agregiment with US now or in the future. Property securing other loans may Aso secure the Plan. However, if you have given your dweinng as security for a loan with LIS, that dwelling will not secure an advance made under the Plan. 7. PROPERTY INSURANCE, TAXES AND FEES -- You will be required to purchase property insurance on certain types of security that you give for advances. You may purchaagi the property insurance from anyone you choose who is eccepbbb to the Credit Union. The amount and coverage of the property insurance must be acceptable to us. You may provide the property insurance through a policy you already have, or through a policy you get and pay for. You promise to make the iinsurance policy payable to LIS and to deliver 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 property is bet or damaged, we can use the insurance settlement to repair the property or apply it towards what you owe. You authorize US to indorse any draft Or check which may be payable to you in order for us to collect any refund or benefits due under your insurance policy. You promise to pa all taxes and fees flike registration fees) due on the property and to keep the property insured against loss and damage. If you do not pay the taxes or fees on the property when due or keep it insured, we may pay these obngatbna, but we 'bra not required to do so. Any money we spend for taxes, fees er insurance win be added to the unpaid bslance of the advance and you wnl pay interest on those amounts at the same rate you weed to pay on the advance. We may receive payments in connection with the insurance from a company which provides the insurance. We may monitor our loans for the purpose of determining whether you and other borcowere have complied with the insurance requirements of its loan agreements or may engage others to do so. The insurance charge added to en advance may include (1) the insurance company's payments to us and (2) the cost of determining compliance w' the insurance requirements. If we add amounts for taxes, fees or insurance to the unpaid balance of an advance, we may increase your payments to pay the amount added within the term of the insurance or approximate term of the advance. 8. CREDIT MSURANCE -- Credh life andlor credit disability insurance is optional under the man. 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 interest on the entire balance. If you elect credit insurance, your payments may increase or the period of time necessary to (continued on next page) :.:..... nv:,t::%i?:::i}r'•;ir:r::::•.:::~:{:~f'4 ~ii~:::~:rii'r:?ii.•:?"r:'if'r'`v4:':':isi}:::::::i'::iiis.•(::ii':::{~:}iifiii?:~:•ii: ..::::::?:: i.. 4;. ••...• v ~1. ~•~.n.~~ii>:v:. r:.; v:.::: N::i :ins •. .Yy.•.~i' ~•}::iYk}'i:~iiy:j}?;:•:j ii: ii'riti:S.{:{;{};{< nw:::.v.Ay.;;:Y:: i. v»~..::~:J:i::i>:::iai:L::::. 5::.:...:...v.::.:.......v, ...: ~:. ~:::.:....... ii/:j :x4 :i::•:T':i:::.•.~...,r rt..ii+: ~y.;.. . • ,.. ... M1. x...r .................V .v ......:. AV::::: ::•:::::::: •.•.•.::•: x:: •::.~::: nL}:nN:i?i::':•'v: ii: Y:4:'•i: i;.i: i:•:ti era in dgifaLltt. you authorise us to apply. tM balance in these accoLarts to any amounts dw. Shares and dpwsks ~ an individual Retirement Accow>It, and any otliter eccoir>It that would bee spscid tax treatment under stab or federal law if given ass unity, are not subject to the security interest you haw given in yours and deposits. i (SEAL) _ ~. B ER 2 SIGNATURE DATE • -• ! .. ~ ®CUNA MUTUAL GROUP, 1980, 82, 84, 88, 89, 98, ALL RIGHTS RESERVED CREDIT UNION COPY FLEXIBLE AGREEMENT SYSTEM BXX071 (LASER) 276x0 Blue Chip federal Credit lMion JOHN PHILLIP KAMARER Date 07/17/29U4 repay yOUr atlvance may be extended beyond the approximate term Stated on the Addendum. The credit insurance rates may change during the Plan. If the rates change, we will provide any notices required by applicable law. 9. PERIODIC STATEMENT -- On a regular basis you will receive a statement showing all transactions under the Plan during the period covered by the statement. Statements and notices will be sent to you at the most recent address you have given us in writing. Unless applicable law requires notice to each !'oint borrower, notice to any one of you will be notice to all. 10. JOINT ACCOUNTS -- If this is a joint account, each of you is individually and jointly responsible for paying all amounts owed. That means we can enforce our rights under the Plan against any one of you individually or against all of you together. If you give us inconsistent instructions, we can refuse to follow your instructions. Unless our written policy requires all of you to sign for an advance, each of you authorizes the otherls) to obtain advances individually and agrees to repay advances made to the other(s-. 11. FEES AND CHARGES -- If you give us a security interest in certain types of property, we may charge you a filing fee to perfect our interest in the property. If so, the amount of the fee will be disclosed to you at the time you obtain an advance. We may also charge you other fees in connection with the Plan. Those fees are disclosed on the Addendum and will be added to your loan balance unless you pay them in cash. 12. 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 information you provided to us changes. Upon our request you also agree to provide us updated financial information. 13. ° DEFAULT -- The fo/%wing paragraph applies to borrowers in ldaho, Kansas, .Maine and state chartered credit unions lending to South Carolina borrowers: You wilt be in default if you do not make a payment of the amount required when it is due. You will also be in default if we believe the prospect of payment, performance, or realization on any property given as security is significantly impaired. The following paragraph applies to borrowers in all other states and federally chartered credit unions lending to South Carolina borrowers: 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 it you break any promise you made under the Plan or if anyone is in defauh under any security agreement made in connection with an advance under the man. You will be in default if you die, file for bankruptcy, become insolvent, it 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. 14. ACTIONS AFTER DEFAULT -The following paragraph applies to borrowers in Colorado, District of Columbia, Kansas, Maine, Massachusetts, Missouri, Nebraska, West Virginia and state chartered credit unions /ending to South Caro/ins borrowers: 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 fo/lowing paragraph applies to borrowers in all other states and federally chartered credit unions /ending to South Caro/ins borrowers: When you are in default, we can require immediate payment tacceleration) of the entire balance under the Plan. You can waive any right you have to demand for payment, nonce of intent to accelerate and notice of acceleration. The fo/%wing par~yraphs apply to a// borrowers: If immediate payment is demanded, you will. continua 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 bean made, the shares and deposits given as security for the Plan can be applied towards 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 expanses for taking possession of and selling the property will be deducted from the money received from the sale. Those costs may include the coat of storing the property, preparing it for sale and attorney's fees to the erztent permitted under state law or awarded under Section 508ib) of 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 sny unpaid balance ur-der the Plen. You agree to pay interest on that amount at the same rate as the advance' urnH that amount has been paid. applies only to state chartered credit unions lending to //linois borrowers: 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 fo/%wing paragraph applies to all borrowers other than Illinois borrowers of stare chartered credit unions: 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 in the interest rate will apply to future advances, and at our discretion, and subject to any requirements of applicable law, will also apply to unpaid balances. The fo/%wing paragraph applies to a/I borrowers: An increpse in the daily periodic rate under a variable 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 can cancel the Plan at any time. Your olaNgation to pay the unpaid balances under the terms of the Plan continues whether you or the Credit Union cancel the Plan. 1 B. NOTICE TO CO-SIGNER -• YOUR SIGNATURE ON THIS SITE MEA!!S THAT YOU ARE EQUALLY LIA~E FOR REPAYMENT OF TIC LEAN. IF THE BORROWER DOES NOT PAY, THE LEMNER RAS A LEIS. RIIitIT TO COLLECT FRAM YOU. 17. THE SECURITY FOR THE LOAN -- You give us what is known as a security .interest in all property described in any receipt, voucher or other document you receive for an advance ("the Advance"). T!he sec~ity interest you. give includes all accessions. Accessions are things which are attached to or installed in the property now or in the future. The security interest also includes any replacements for the property which you buy within 10 days of the Advance or any extensions, renewals or refinancing of the Advance. It also includes any money you recx9ive from selling the property or from insurance you have on the property. If the. dalue the property declines, you promise to give us more property as security if asked to do so. 18. WHAT THE SECURITY INTEREST COVERS -- The security interest secures the Advance described in the receipt,. voucher dr any other document you receive at the time of the Advance and any extensions, renewals or refinancings of the Advance. It also secures any .other advances you have now or receive in the future under. the Plan<atui' any other amounts or loans, including any credit card loan, you owe us for any reason now or in the future, except any'loan secured by your prltlcipel residence. If the property is household goods as detinsd by ,the f`adrral Trade Commission Credit Practices Rule, the property will secure only the Advance and not other amounts you owe. 19. OWNERSHIP OF THE PROPERTY -- You promise that you own the property or if the Advance is to buy the property, you promise you will. use the Advance for that purpose. You promise that. no orx: else has any interest in or claim against the property that you have not akeady told us about. You promise not to sell or lease the property or to use it as security for a loan with another creditor untN the Advance Is repaid. Ydu prdn>i$e you will allow no other security interest or lieh to attach to the. propetty either by your actions or by operation of law. 20. PROTECTING THE SECURITY INTEREST -- If your- state issues a title for the property, you promise to have our security interest `elwwn On tNe title. We may have to file what is called a financing statsment t4 prdteGt our security interest from the claims of others. If asked to do ~, you promise to sign a financing statement. You also. promise to do whatever else we think is necessary to otect our security interest in the prp I'tY• 21. USE OF PROPERTY -Until the Advance has bean paid o you promise you will: I1) Use the property carefully and keep it in good"rejletF': 12} Obtain our written permission before making major chal,~ges to the property or changing the address .where .pte property is kept. i31 Inform us in writing bebre changing your address. 14) Allover us to inspect the' property. 15) Promptly notify us if the property is damaged, stolen or abused. i6) Not use the property for any unlawful purpose. 22. NOTICE -- If you do not purchase the required property insurance, the insurance we may purchase. and charge you for will'-cover only our interest in the property. Tha insurance wiiN not ba ~Ibilily insurance. 23. DELAY IN ENFORCING. Rltil'ITS AND CI4AN~13' ~ THE PLAN -- We can delay enforcing any of our rights under title Plan any number of'times without losing the ability to exercise our rights later. We can enforce this Plan against your heirs or legal representatives. If we change the terms of the Plan, you aggree that this. Plan will continue to protect us. 24. COiYTINUED EFFECTIVENESS -- If artiy part of this Plan is determined by a court to be unenforceable, the rest will remain in effect. 25. NORTH DAKOTA NOTICPP TO BORROWERS PURCHq~ A MOTOR VEHICLE -- THE MOTOR YEHlCLE pV IRIS TRANSACTS IWAY BE SUBJECT TO R@PEfBIIESSi0N1. IF IT IS REPOS8I~ED ANtD sOLD TO 8011E ELSE, AI~f ALL AMOUNTS DUE 70 THE SECii'R~ PARTY ARE NOT REt~IVED IN THAT' SALE, YOU MAY WAVE Tb PAY THE DIFFERENCE. DATE APPROVED IAPPRONED SIGNATt)RE LINE OF CREDIT OTHER i j~ j OTHER DEBT RATIO/$CORE LIMITS: v"" BEFORE AFTE D7/17/2DDD DENIED $ $ $ 10 947.50 $ r~D~ (Adverse Action Notice Sant) LOAN OFFICER COMMENTS: 'jt T_ - _ _. _ _ _ _ (~ FLEXIBLE AGREEMENT SYSTEN BlugChipFCu 5050 Derry Street Harrisburg, PA 17111 PHONE: 717/564-3081 F~-x: 717/564-1469 May 29, 2007 Kodak & Imblum Robert Kodak PO Box 11848 Harrisburg, PA 17108 RE: Referral for Collection John and Shelby Kamarer 1117 Bridge Street New Cumberland, PA 17070 Dear Bob: Please accept the following accounts for collection cct #8310.A Used Vehicle Loan 54,175.90 ~~~ (Ve cle has since been sold for salvage due to said vehicle being abandon by our members). VISA Acct #13431 $2660.45 Acct #8310-D Line-of-Credit Loan $8,875.02 (John only responsible for this loan). Please contact me if you need additional information. Thank you, Mary roll Collections ' ,a~ '~ ,~ ^ a~~~ ~Credlt Card 1 t o IMPOEiTANT INSTRUCTIONS: Complete and sign "ApplicartY portion to apply fOr credh in your only. To apply for a joint account, you complete ertd sign the •ApplicanY poAion, end the joint CREDIT LIMIT REQUE$ ' " ' tiE end signs the •Co•applicant• portion. Both appGCant end co-applicar,t must belong to the Ge6t Union, and both assurtte responsibility for anY charyas made to the account. CREDIT UNION ACCOUNT nvailaabry of an individual account with an authariz1ad user depends on the board policy / I a j NAME (LAST-FIRST• ~ ) ) r ~ - S (S a~ L ? _ r ) ~CClNb? PflEVI0l1S HOW LOND? ~~ ~*> :LU11t3? C' ECC NO.OF DEPEND S ff ~ ABFS ~ {~ J 1 ~~ ~ ~NLipFDE :-*-At~. SOCIAL SECURITY ~'~/ ~ ~+ Y S~ ~ ORNERS LICENSE NO. AND STATE ~ I(IR ND. ~ ~ ~ - ra ~ ~-" E f -~ I tJ t+ ~ 6 0~ /~'!.r{J•E_ _1 J NET ~Vfl~'. / ~~ POSITIONION ON1373 L ~GNCi't BUSINESS ADDRESS EMPLOYER IT ~ JiON1).ONO7 ~ C!C ~ ~~ + ~ ~ ~.(.Dh6't. EAIPLWER At%MESS .: . Allmorty, child support, or separate ir~ortte need clot He retreated ff you do not wish to have ff Considered as a basis ror repaying M ABM. drld N4Pat. sglanN nrirasr,anca racairadurder ca+t order O wrNWi t ^ ord wdantandina ^ Oarar Yiooma: f Per Sourea(a) of oaw - ,. r ~Arl .t..,, ~ O - } .t~.~t~`'y~'"r ~ '~ w ~r '~,' ~faf,~ls~3ty.~~, ~ r ~: youos{a) d orisr -i~., 'l~ '.~~ '~ ~.P ~, 'r - f :-~ ~. ~i-~ ~, ~~ ~ la uy k,oarr b M 9eotlon duly b M rarMaad in tl,a r,nd yaeYl O Yr (EeplNn b daW on ^ sspersM shasQ No O L ``~~,,,, t i ~yrr,S ~` t i OUTSTANDING DEBTS (Include charge accounts, instaNrttent r:orltracts, credit cards, rent, IT10r1gaQe, etc. Use separate sheet ff necessary). E O~I.ANDLORD M ADDRESS . Ay1gtCJs~ V~ OPo ~IN~I.j~AK)IiNT.,., ` (~~jXIKJ ~ BAiAN~GEIXIE s ? .PMT. RENT~~ F~~ SE NUMBER ~ s` ~ /,~~}}~yp~7 t./• W T R ~L^ ) J :,t/• ~ a a a s s CH ACCOUNT NO. t S/wIN0.S AG NOS. LOCATION i TaTAL OF TtiE NEAREST RELATNE 1 (GTY3TATE•ZI~ p M you d,s ao•rrraYar, srsfouar, or IF yes' Ouaranbr on shy ban a mntaot? Vea ^ No fa whom? To whom? An tltw any ueuWafed .D If yw' h,daw,n,4 aeaYrt you? No Amount S To whom? Otlsn obtaa~ (aA~• ~M b P+Y e~erN. ~d 4 sepauta maieenarwe. Uw sapamta sl,sat if r,swwary) New you awr had a eer or otl,a rapowaatad by a daaNr or a finena oorrpary, aW br bsnknptty, or Man perry b s waas awip,rrur,t or collactbn nil. or bees tlW onds unbn? 0 Yes 0 No q you ewn bwn dseGnsd on • ban appfca6on b your arrvwr b any of a^ quaWOru la yw, plws slue d.tas.. COMPUTE THE FOI.LOWMICi ONLY If YOU RESIDE IN A lbAaAUNITY PROPEtTfY STATE (ARIZONA CALIFORNIA, IDAHO, LOUISIAhIA, NEVADA, NEW MEXICO, TEXAS, WASNat(iTON OR WISCANSW): OR IF ANOTHER PER80N WRL 8E JOMTLY LIABLE FOR THE ACCOl1NT. Married ^ Sspanud O Unmankd O This atatsmalt is subrttittad to oWain crsdt and 1(tws) Cefely Mat all inWrmatiort herein is true and complete. i (we) also authorize the Credit Union to verify or obtain tuMx information the Credit Unfon may deem necessary cwrtcerrting n7 ( r) cndt standup. H this application is approvod and a Credit Card(s) issued, the undersigned appikam(s) by sipting, usirp or rmaong another to use ttte Credit Card(s) agros(s) flat Me (s) will bs hound try the terms and conditions accompanying Me C Card(s) and a9 arttandmerHS. I (tae) hsa /~u~reeeipt of the Croda Union Credit Car~,hQl~iilAgt fed uro entl BHllny Rights that Inform ms (ta) of the terms, rea and_riyhts.as a Credit Union t user. Sadal No. T~OTf BIM Dets ~ Addraw ~ V ~ " ,'. 'i'~t a.~ f ;~ , .~ .f: ri ., << ~ ' ~~; wra : ty `i€;.' 0 D v n y 9 g m g m ~ O C O ~.~1- a ~^ ~ g ~< 0 m m p ~« V ~ D i v i A I O Z O I/ ACCOUNT # ~3~~ LOAN TYPE ~ tS~ ~~I~(term ~• mo ~ G`t %) DATE RECD ~~~ ~ BORROWER hj©h'(1 ~~ ~~-~CQJ~ CO-BORROWER ~I~I~ ~ rY1(L~~~_ • /GUARANTOR ~F7~~C.~.~~a 'JJ CREDIT RATING S~ ~ CREDIT SCORE: ~~ 10~~ SATISFACTORY ACCT W/lBCFCU Y N MONTHLY NET INCOME: BORROWER: CO-BORROWER: OTHER INCOME MONTHLY DEBTS: Mortgage Payment or Rent All Consumer Debts This Loan Payment DEBT RATIO (DR): $ x{33 c~ ~ $ $ ~~~53' $ Bg. Co y3 % TOTAL MONTHLY ' I 'l NET INCOME $ '1. ~~• ~v (MNI) TOTAL DEBTS $ ~- 10a~ ©u (DEBTS) MAXIMUM D/R SS% w/mortgage or rent (DEBTS /MGI) .i0% iflivin~ at home DISPOSABLE INCOME (DI): $ o~~~ ~~ •~/I^^~ (MNI -DEBTS) REQUIRED DI- S ~ ~ ~ ~~` V~ (Greaser of SS00for 1" hausehoid mbr+,Sl00for each additianal or 30 ~ MNI) ********~*x**;~*************~********************************************************************t*********~**************** REVOLVING CREDIT (RC) Total Monthly Payments Ratio $ ylo3.o~ 6 ~ p % (RC /MGI) Ideal 15% of rret income, may consider 25 0 (depends on other factors) **t.***t.***********tr.***r.**r.*v*ir*#*******************ti~*ia**ij**i:},;:*********~. irxia******t==isa*>**ier.**4}************************** FOR CU LINE OF CREDIT: GROSS ANNUAL INCOME x 20°!0 = $ (maximum LOC $10,000) NOTE: Maximum unsecured credit limit for any one member is $IS,000 CURRENT VISA CREDIT LIMIT = $ (maximum $7,500) OTHER UNSECURED LOANS FOR APPLICANTS = $ (cu account _ _) ******ie*****±*****x*ix*********************tir**************:ra?**t.***f*irt***********kix**t******:k**t***ir***********rt************r. LOAN AMOUNT $~~ P!A LOC $ P!A VISA $ (Maximum $10,000) (Maximum $7500} ~ APPROVED BY LOAN OFFICER Date: i~'011 ~1 ~ ~ REFERRED TO LN COMMITTEE (~ FOR APPROVAL ~ ~ FOR DENIAL C` CONDITIONS FOR APPROVAL: ~ 1 S~ ~ v~~ - 1 14' C~~--~' REASONS FOR DENIAL: APPROVED EC' (excessive credit) II (insufficient income) DO (delinquent obligations) CH (delinquent credit history) AH (CCI account history) PO (Cti policy) DENIED Loan Officer, DATE Loan Commiriee Member ~ ~~~ _ Ir~~a f - 5050 Derry Street • Harrisburg, PA 17111 ~~ ~ ~i ~ T r rHONe: 717/564-3081 (J Fs,x:717/564-1469 ~, May 29, 2007 _ si Kodak & Imblum Robert Kodak PO Box 11848 Harrisburg, PA 17108 RE: Referral for Collection John and Shelby Kamarer 1117 Bridge Street New Cumberland, PA 17070 Dear Bob: Please accept the following accounts for collection Acct #8310-A Used Vehicle Loan 54,175.90 (Vehicle has since been sold for salvage due to said vehicle being abandon by our members). VISA Acct #13431 $2660.45 Acct #8310-D Line-of-Credit Loan 58,873.02 (John only responsible for this loan). Please contact me if you need additional information. Thank you, J~~t~~, ~ ~ -~~ Mary ,(roll Collections BLlJE CHIP FEDERAL CREDIT UNION ' 5050 Derry Street Office Hours: 8:00 a.m. - 4:00 p.m. Harrisbu~, PA 17111 (717) 564-3081 Open-End Disbursement Receipt Plus •ACCOUNTNUMBER'••• •~~.DATE•.. BORROWER 1 NAME KAMARER, JOHN P 8310 A 05/15/2001 BORROWER 2 NAME ....................... ::. ;y,. .;, :: ~: ,: ~~: THE ADVANCE IS SECURED BY YOUR SHARES, ALL PROPERTY SECURING OTHER PLAN ADVANCES AND LOANS RECEIVED IN THE PAST OR IN THE FUTURE, AND THE FOLLOWING PROPERTY: PROPERTY/MODEL YEAR I.D. NUMBER VALUE KEY NUMBER S PURCHASE NEW HOME s s s PLEDGE OF SHARES ACCOUNT PLEDGE OF SHARES ACCOUNT AND/OR DEPOSITS 8 NUMBER AND/OR DEPOSITS S NUMBER PROJECTED LOAN TERM FOR INSURANCE: 65 Months ' ~. ~ ~ ..,....... ... .. . . • :: :: • . ••::;•: •::•r.••. <•;:.;:. •:• ~<a;:xt;• ::•:::• . RA DAILY PERIOD C A . A RA INT A E RAT 1 ~ I IS: OTH R F ES Amount end Desch on A u NEW BALAN THI .039726 X 16.50000 % Fixed ° a' 10,000.00 AMOUNT ADVANCED PAYMENT AMOUNT DATE DUE PAYMENT FREQUENCY LINE OF CREDIT LIMIT REMAINING LIMIT s 10,000.00 x250.00 06/15/2001 Monthly x10,000.00 a -0- By accepting the proceeds or by using the funds advanced and deposited into your share/share draft account or paid to a third party, you agree (1) that the property referenced above will secure the advance and any other advances you have now or receive in the future 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 with the terms of the Plan and (2) to make payments as disclosed above in accordance with the terms of the Plan. >. ~. . ~':; :. .....:.::......::::::::::::::::. The fol%wing,paragraph applies only when the box above is checked. NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. .:.:•:..:. ...... ... ..................................MAIN........................... REQUESTED: OS/1$/ZOO1 MEMBER PAYS CHECK NUMBER: BRANCH NUMBER: PREMIUM FOR: PLAN/SUBACCOUNT NO.: 831 O PROCESSED BY: BAR DATE LOAN OFFICER COMMENTS: LOAN OFFICER 05/15/2001 INITIALS ®CUNA MUTUAL GROUP, 1998, ALL RIGHTS RESERVED VXX083 (LASERI 27880 BLUE CHIP FEDERAL CREDIT UNION 5050 Derry Street Office Hours: 8:00 a.m. - 4:00 p.m. Harrisburg, PA 17111 (717) 564-3081 t Application Marred Applicants: May apply for a separate account. Individual Credit: You must complete the AppNcant section about yourself and the Other section about your spouse if: 1. you live in or the property pledged as collateral is located in a community property state (AZ, CA, ID, LA, NM, NV, T7t, WA, Wli, 2. your spouse will use the account, or 3. you are relying on yourspouse's income as a basis for repayment. If you are relying on income from alimony, child support, or separate maintenance, complete the Other section to the extent possible about the person on whose payments you are relying. Joint Credit: If you are applying with another person, complete the AppNcant and Other sections. Guarantor: Complete the Other section if you are a guarantor on an accounUloarr. LOANLINER Accourrt/Loan: Individual Loan llnciuding ATM/Debit Card Access to the Account if Available) Amount Requested S 10,000.00 Purpose/COllateral: HOME IMPROVEMENTS Repayment: Payroll Deduct PAYMENT PROTECTION Yes Single Credit Disability The credit union sill disclose the cost of this voluntary insurance to you. A separate insurance election which discloses Yes Single Credit Life the terms and conditions must be signed for coverage to become i No Joint Credit Life effective. JOHN P KAMARER M A EN NA E ACCOUNT NUMBER 831D SOCIAL SECURITY NUMBER DRIVER'S LICENSE NU BER/STATE 202-46-5457 17903409 PA A N 10 12 BIRTH DATE HOME PHONE USINESS PHONE/EXT. 02/02/1957 1717>770-0525 (800)528-5228 N D E Rent 1117 BRIDGE ST A NEW CUMBERLAND, PA 17070 5.00 I,VTrICIG rvn JV ... •.,~..v,,, .,..a,.,.....+v..~v.. v.. .. .vv r..r ... .. PROPERTY STATE: MARITAL STATUS: Marrl ed ili!i(~1!`''.> $7,117.00 PER MONTH NAME AND NORFOLK SOUTHERN ADDRESS OF EMPLOYER ROANOKE. VA PROPERTY STATE:....,..... - ..............-.......... ..,,, MARITAL STATUS: Gross ~:•:•::•:..... .. .. .. $ PER NAME AND ADDRESS OF CONRAIL NOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED N T BE REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED. OTHER INCOME 595.00 PER Month SouRCE VA BENEFIT $ PER SOURCE $ PER SOURCE $ PER SOURCE 1 :1 DU Y I AN N A NO WHERE - ENDING/SEPARATION~DATE YEARS AND ADDRESS OF NEAREST RELATIVE NOT LIVING WITH YOU V ~, ~~ REVEALED IF VOU ~ SNOT CHOOSE TO HAVE IT CONSIDERED. V• ~ n... •v ~~ OTHER INCOME $ PER SOURCE $ PER SOURCE $ PER SOURCE $ PER SOURCE ENDING/SEPARATION BATE YEARS AND ADDRESS OF NEAREST RELATIVE NOT LIVING WITH YOU O CUNA MUTUAL GROUP, 1980, 82, 84, 86, 89, 96, ALL RIGHTS RESERVED PAGE 1 AXX020 (LASER) 27880 F~r?rt;;r%'!~::>?!!R:!.~r._::::.>:;::<:z: IAttach eddltlorW sheatls) H rrecesaeryl RATE PRES9Hr BALANCE PAYMENT APPUCAN OTHER BLUE CHIP FEDERAL CREDIT UNION! S 1 148.87 $ 183.31 X BLUE CHIP FEDERAL CREDIT UNION $ 4 109.71 $ 164.15 X P BLUE CHIP FEDERAL CREDIT UNION $ 10 138.09 $ 252.45 X RENTAL AGREEMT MARION R0T2 S 650.00 S 650.00 X S S S S S S S S S S S S S S S S S S S S UST ANY NAMES UNDEfl WHICH YOUR CREDIT REFERENCES AND CREDR HISTORY CAN BE CHECKED: TOTALS 5 16, 046.67 S 1, 244.91 tlaT LEIL"~?I~ PIIOA~'rY ~ FL,J171r17EM1 MARKET VALUE FOR ANOTta/I LOr>Mr 401K S 500.00 No X Vehicles 93 DODGE DAKOTA S 9000,00 No X Vehicles gS OtiDfriEE ~AifAN $ 10 000.00 No X S S S S S S . t >:' ~ YOU AN6IAIER 'YEa' TO ANY OU~TION OTHER THAN f 7, EXPLAIlt ON AN ATTACHED SHEET APi1JCIM~1' OTHER 1. ARE YOU A U.S. CITIZEN OR PERMAldENT RESIDENT AUENt Y@8 2. DO YtkJ ttJN~r/TLY HAVE ANY OUTBTANpING JUDGMENTS OR HAVE YOU EVER FILED FOR BANKRtMTCY, HAD A DEBT ADJUSTMENT PLAN CONFIRMED INaJER CHAPTER 13, HAD PIiOPER'rY FORECIO~D UPON OR RFPD IN THE LAST 7 YEARS, OR BEEN A PARTY IN A LAW6Un'T NO 3. 15 YOUR INCOME .LIKELY TO DECLINE IN THE NEXT TWO YEARS? NO 4. ARE YOU A CO•AARKER, CO-81(9NER Ort GUARMIT(Ni ON ANY LOAM NOT LISTED ABOVEt NO FOR WHOM Mams of Others OhNpstsd on LoeN: TO WHOM (Name of Credits): ~~ ~<~~ GMb RK8IDENTS ONLY: The Ohio laws r:,..,.,,., agelirtst discrNnination reQure that ail creditors make credit squally avaUebia• to aN creditwordty cLpltDrrlsrs, and that txadit reporting agertcias maintakt separate credit histaf{e~e on each individual upon request. The Ohio C(vH Rights Commisabn administers campOa~Ce with this law. IISC~1M$iN RBSipENT'S .ONLY.: i 11 Na' n- of any marital property ~,,. d statsrlrlent under ~i~ 788.59, or CDUrt decree n~der Sectionu 7~ 70 wHl advarspyr affect the ruts of the Credit Union slowaTURE FoR wlscoreaN unless the Credit Union is #LaTriahed a copy of the sOresment, statement decree, or has actual know~dpe of its twins, lasfors the crsdii is ani or the atxount is (1i) 1%aase sign if you are ~aot d account or ban wi~ spDUSe. The credit bsirlg a~edgnd will be incurred in the interest of the ag)t a .farr-lly of t undersigned. r prorrraSa t11at evarythklg you have a~tabd ~1 thus ~ is correct the iseat of your knowlsdps and that the ai~ove information is a nplets listing of what you owe. If there are sny important chapppea you notify us n wrEtkp irrllrledisltsly. You authorFza the Credit Urdon to sin credit reports in connaodon with Chia for credit and for updste, renewal or exileression of the credit~jr d. You understand DATE that the Credit Union WiH r!aly On rtIB ~1 M this Ntipikallon and your credh report to medce tts dscbbn. ff ~ request, the Crsdit Union will tell you the Hama. snd addrsse of any credit btxeau ftom winch. it received a credit re~rt an you, ft is a fedstsi rahrRt" to willfully and delibefateiy provide incomplat+S or incarrtlct iMonTta~an on loam sppik cations made to #ederei credit unilNte or state chartered credit Lmfons insured by NCUA. APPROVED sIaNATURE LINE OF CREDtT OTHER _ _-"OTHER uNnrs: s.mJ S $ 10,000.00 $ S - ~,.-_ -~ X ___ DATE ~ DATE .-v~..rtnL 4..: iCtJl I UNION 5050 Llerry Street Office Hours: 8:00 a.m. - 4:00 p.m. Harrisburg, PA 1711 i (717) 564-3081 Open-End Plan Signatures PLG 1NAME JOHN P KAMARER BORROWER 2 NAME in Lending Disclosures; will 4be~ ~ referred mton as tithe I PlanaeS The TPI t documents include this Agreement and an Addendum. ".You", "your" an "borrower" mean any person who signs the Plan. "Credit union", "we" "our" and "us" mean the Credit Union whose name a anyone to whom the Credit Union transfers its rights under the Phan PSom of the provisions of the Plan apply only if the Credit Union is stet chartered. A credit union has a state charter if its name does not includ the words "Federal Credit Union" or "FCU". This is a multi-state documen which may be used to tend to borrowers in alt states exr..ept lo~va Wisconsin and Louisiana. 1. HOW THIS PLAN WORKS -- This is an open-end, multi-featured credi plan. We anticipate that, from time to time, you will borrow money (calla advances") under the Plan. We are not required to mafce advances to yo 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 3romREPAYMENTm You promhse torepay all amountssyou owelulnder 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 sharedraft account, you will be responsible for paying all overdraft advances obtained by a joint holder of the sharedraft account. Payments will be appliedrn the order the Credit Union chooses. 4. -z;PLAN ACCESS -- You can obtain credit advances in any manner authorizi3~.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 vour ATNI/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 sharedraft account, your liability is governed by the Regulation E disclosures you received at the time you received your ATM/Debiticard, even if the withdrawal results in an advance being made from~yyourbverdraft subaccount. 5. •FINANCE CHARGE -- The dollar amount is called a "finance charge" and begins on theudate ofreacheadvan eW A finance charge will be computed separately for each separate balance under the Plan. To rompute the finance charge, the unpaid balance for each day since your last payment (or since an advance if you have not yet made a heseeamounts~islthefinanceechargle owed.aThe balanlcerused toecompu~e the finance charge is the unpaid balance each day after payments and 1. You have received and read the LOANLINER Credit and Security 4greement, including the Addendum and Credit Insurance Certificate. By >igning below you agree to be bound by the terms of the agreement. You grant us a security interest in all individual and joint share and/or IeposFt accounts you have with us now and in the future to secure what ~ou owe under the LOANLINER redk and Security Agreement. When you (SEA ORROWE 1 IGNATURE ATE CUNA MUTUAL GROUP, 1980, 82, 84, 86, 89, 98, ALL RIGHTS RESERVED ACCOUNT NUMBER 1331 O ACCOUNT NUMBER r, creafts to that balance have been subtracted and•.any ••additions ~~to ~~t. n balance have been made. In addition to interest, we may charge oth d finance charges which are disclosed on the Addendum. If the interest ra is a variable interest rate, the Addendum explains how the variable inters r rate works. e 6. SECURITY INTEREST -- The Plan is secured by the shares ar e deposits in all joint and individual accounts you have with the Credit`Unic e now and,in the. future. Shares and deposits in an Individual Reticeme) t Account and any other account. which would lose special .tax treatmer , under state or federal law if given as security are not subject to th security interest you have given in your shares and deposits. Additiont t security may be required depending on the subaccount under which a d advance is requested. For example, a subaccount called "New Ca u Advances" means the security. will be a new car. A subaccount caller "Other Secured Advances" means you must offer security acceptable U the Credit Union for the advance. Property given as security for am advance under the Plan will secure all other amounts you owe under the Plan or under any other Agreement with us now or in the future. Property securing other loans may also secure the Plan. However, if you have giver your dwelling as security for a loan with us, that dwelling will not secure ~n a PROPERTYY INuANCE, TAXES AND FEES -- You will be required to purchase property insurance on certain types of security that you give for advances. You may purchase the property insurance from anyone you choose who is acceptable to the Credh Union. The amount and coverage of the property insurance must be acceptable to us. You may provide the property insurance through a policy you aMeady have, or through a policy you get and pay for. You promise to make the insurance policy payable to us and to deliver 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 property is lost or damaged, we can use the insurance settlement to repair the property or apply it towaMs what you owe. You authorize us to indorse any draft or check which may be payable to you in order for us to collect any refund or benefits due under your insurance policy. You promise to pay all taxes and tees (like registration fees) due on the property and to keep the property insured against loss and damage. If you do not pay the taxes or- tees on the property when due or keep it insured, we may pay these obligations, but we are not .required to do so. Any money, we spend for taxes, fees or insurance will be added to the unpaid balance of the advance and you will pay interest on those amounts at the same rate. you agreed to pay on the advance., We may receive payments in Fonnection with the insurance] from a company which provides the insurance. We may monitor our loans for the purpose of determining whether you and other borrowers have complied with the insurance requirements of its loan agreements or may engage othr9rs to do so. The insurance charge added to an advance may include f 1 } the insurance company's payments to us and (2) the cost of determining compliance with the insurance requirements. If we add amounts for taxes, fees or insurance to the unpaid balance of an advance, we ma your payments to pay the amount added within the term of the insurance or approximate term of the advance. 8. CREDIT INSURANCE -- Credit life and/or credit disability insurance is optional under 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 interest on the entire balance. It you elect. credit insurance, your. payments may increase. or the period of time necessary to are in defauk, you authorize us to apply the • balance in •these. accounts to any amounts due. Serea and deposits in an Individual Retirement Account, and any other account that would lose special tax treatment security interest~ou eve glvengi~youar shares snd d e not subject to the eposits. fSEAU BORROWER Z SIGNATURE DATE CREDIT UNION COPY FLEXIBLE AGREEMENT SYSTEM BXX071 (LASER) 27860 JOHN P KAMARER ' uatr ~~~ ~~, ~~~ Blue Chip Federal Credit Union epay your advance may be extended beyond the approximate term stated ,n the Addendum. The credit insurance rates may change during the Plan. f the rates change, we will provide any notices required by applicable law. a. PERIODIC STATEMENT -- On a regular basis you will receive a >tatement showing all transactions under the Plan during the period covered ~y the statement. Statements and notices will be sent to you at the most -ecent address you have given us in writing. Unless applicable taw requires notice to each 'oint borrower, notice to any one of you will be notice to all. 10. JOINT A~COUNTS -- If this is a joint account, each of you is individually and jointly responsible for paying all amounts owed. That means we can enforce our rights under the Plan against any one of you individually or against all of you together. If you give us inconsistent instructions, we can refuse to follow your instructions. Unless our written policy requires all of you to sign for an advance, each of you authorizes the other(s) to obtain advances individually and agrees to repay advances made to the other(s). 11. FEES AND CHARGES -- If you give us a security interest in certain types of property, we may charge you a filing lea to perfect our interest in the property. If so, the amount of the fee well be disclosed to you at the time you obtain an advance. We may also charge you other fees in connection with the Plan. Those fees are disclosed on the Addendum and will be added to your loan balance unless you pay them in cash. 12. 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 information you provided to us changes. Upon our request you also agree to provide us upd~~ed financial information. 13. DEFAULT -- The following paragrapJ~ applies to borrowers. in Idaho, Kansas, Maine and state chartered credit unions lending to South G°arolina borrowers: You will be in default if you do not make a payment of the amount required when it is due. You will also be in default if we believe the prospect of payment, performance, or realization on any property given as security is significantly impaired: The following paragraph applies to borrowers in all other states and federalty chartered credit unions lending to South Carolina borrowers: 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 defauk under any security agreement made in connection with an advance under the Pian. 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 wilt also be in default under the Plan if you are in de#sult under. any other loan agreement with us. 14. ACTIONS AFTER DEFAULT -- The following _ paragraph applies to borrowers in Co%rado, District of Columbia, Kansas, Marne, Massachusetts, Missouri, Nebraska, Wesi Virginia and state chartered credit unions lending to South Carolina borrowers: When you are in default and after expiration of any right you have under applicable state law to -cure your defauk, 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 all other states and federally chartered credit unions lending to South Carolina borrowers: When you are in default, we can require immediate payment (acceleration) of the entire balance under the Plan. You can waive any right you have to demand for payment, notice of intent to accelerate and notice of acceleration. The following paragraphs apply to a!1 borrowers: 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 towards what you owe. We can also exercise any other rights given by law wfien 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 Isave inside the property or thaYis attached to the property. We will try t 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 th money to any amounts you owe us. We will give you notice of any publi sale or the date after which a private sale will be held. Our expenses fo taking possession of and selling the property will be deducted from th money received from the sale. Those costs may include the cost of storin the property, preparing it for sale and attorney's fees to' the exten permitted under state law or awarded .under Section 508(b) of th Bankruptcy Code. The rest of the sale money will be applied to what yo owe under the Plan. , You will also have to pay any amount that remains unpaid after the sa money has been applied to any unpaid balance under the Plan. Yau sg to pay interest on that amount at the same rate as the advance until -the amount has been paid. 't ~. C;~,NCELLIIlG OR CHANGING THE PLAN: The fo++c wing paragraph .polies onty to :Late chartered credit unions !ending to /l,~ino.~s borrowers: We have the right to change the terms of the Plan from vine to time after yiviny y:;u any advance notice required by law. +any c.iange to the interest rite cr otter charyes will apply to future advances. The fol.+ow%ng paragraph applies to all borrowers other than Illinois borrowers of state chartered credit unions: 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 in the interest rate well apply to future advances, and at our discretion, and subject to any requirements of applicable law, will also apply to unpaid balances. The fo/lowing paragraph applies to al/ borrowers: An increase in the daily periodic rate under a variable 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 can cancel the Plan at any time. Your obligation to pay the unpaid balances under the terms of the Plan continues whether you or the Credit Union cancel the Plan. 16. NOTICE TO CO•SI6NER -• YOUR SI6NATURf ON THOS NOTE MIsAMS THAT YOU ARE EQUALLY LIABLE FOR REPA~IIIHMT Of T1~ k~N. !I:>ME BORROWER ODES NOT PAY, THE LENIHER HAS A LEGAL RI6~IT TO COLLECT FROM YOU. 17. THE SECURITY FOR THE LOAN -- You give us what is known as a security interest in all property described in any receipt, voucher or other document you receive for an advance i"the Advance"). The security interest you give includes all accessions. Accessions ace thln~ which are attached to or installed in the property now or in the future.'fhe security interest also includes any replacements for the property which you buy within 10 days of the Advance or any extensions, renewals or refinancing of the Advance. It also includes any money you receive from seeing the property or from insurance you have on the property. tf the value: of the property declines, you promise to give us more property as security if asked to do so. 18. WHAT THE SECURITY INTEREST COVERS. -- The security interest secures the Advance described in the receipt, voucher or any other document you receive at the time of the Advance and any extensions. renewals or refinancings of the Advance. It also secures .arty other advances you have now or receive in the future under the PFan and any other amounts or loans, including any credit card loan, you owe us far any reason now or in the future, except any loan secured by your principal residence. If the property is household goods as dafaned'sec~$ anFld that Trade Commission Credit Practices Rule, the property Y Advance and not other amounts you owe. 19. OWNERSHIP OF THE PROPERTY -- You promise that you own the property or if the Advance is to buy the property, You promise you will use the Advance for that purpose. You promise that no one else has any interest in or claim against the property that you have not already laid us about. You promise not to sell or lease the property or to use it as Security for a loan with another creditor until the Advance is repaid. You promise you will allow no other security interest or lien to attach to the property either by your actions or by operation of law. 20. PROTECTING THE SECURITY INTEREST -- If your state issues a title for the property, 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 claims of others. If asked. to do so, you promise to sign a financing statement. You also promise to do whatever else we think is necessary to protect our security interest in the property. 21. USE OF PROPERTY -- Until the Advance has bean ..paid o#, you promise you will: f 1) Use the property carefully and keep it in good repair. (2) Obtain our written permission before. making major changes to the property or changing the address where the property is kept. (3) Inform us in writing before changing your address. 14) Allow us to inspect the property. (5) Promptly notify us if the property is damaged, stolen or abused. i6) Not use the property for any unlawful purpose. 22. NOTICE -- If you do not purchase the required property insurance, the o insurance we may purchase and charge you for wilt cov®r only oytr interest in the property. The insurance wdl not be IiaibNty iruurance. e 23. DELAY IN ENFORCING RKiHTS AND CNANl3ES Nit THE PLAN '-- We c can delay enforcing any of our rights under this Plan any nLa'riber of times r without losing the ability to exercise our rights later. We can enforce this e Plan against your heirs or legal representatives. If we change the terms of the Plan, you agree that this Plan will continue to protect us. 9 24. CONTINUED EFFECTI'VENISS - If any part of this Plan is determined e by a court to be unenforceable, the rest wiH remain in effect• A MOTOR u 25. NORTH DAKOTA NOTICE,TO SQRROWERS PU ~~ MAY gE VEHICLE -- .THE MOTOR VEHICLE IN TFHS TRA ~ St,iBJECT TO RI=.j3DSSESSION. IF R IS pEPOSSES6 D AND SOLD TO ree St>iONE ELSE, AND ALL AMOUNTS DuE TO THE SECURED PARTY t D FFEIIR~ENCE.~Erv~ ~ THAT SALE, YOU MAY HAVE TO PAY THE DATE X npvROVEa. F~ v 0 Bo DENIED 05fBit12001 (Adveuse Action Notice Se LINE OF CREDIT $ 10,000.00 07HER LOAN OFFI MME 5: SI TL1RES: x X DA I A FLEXIBLE AGREEMENT SYSTE ____. __ ....~...T . uunwl nADV BXX071 ILASERI 276E BZu~ChipFCv May 29, Zoo? Kodak & Imblum Robert Kodak PO Box 11848 Harrisburg, PA 17108 RE: Referral for Collection John and Shelby Kamarer 1117 Bridge Street New Cumberland, PA 17070 Dear Bob: Please accept the following accounts for collection 5050 Derry Street Harrisburg, PA 17111 PHONE: 717/564-3081 Fnx: 717/564-1469 Acct #8310-A Used Vehicle Loan $4,175.90 (Vehicle has since been sold for salvage due to said vehicle being abandon by our members). VISA Acct #13431 $2660.45 Acct #8310-D Line-of-Credit Loan $8,875.02 (John only responsible for this loan). Please contact me if you need additional information. Thank you, Mary 4"~roll Collections 08/29/2007 12:42 7175641469 BLUE CHIP FCU eAU0-29-2007 11:40 KNUPP KODAK & IMBLUM l ~ MARY CARB91.~. ~ ..--- c~~ of BLUE CHIP FEDERAL CREDIT UNION, verify afon9going document are true and correct. I understai made subject to the penalties of 18 Pa. C. S. §4904, authorities. Blue Chip By: Title: Dated: ~ 2 a PAGE 02 717 238 7158 P.li . lam) ~t the ;~staternents made in the that fajlae statements herein are lating'to unswom falsification to era/ G(r~dNt Union ~ .. _ ~~ TOTAL P.11 ~ ~_ _ t ~ G.J {-~ (~ ~ 00 D ~ - . C.~ ~ f .... ~~ W ~ ,~ Q a ~ ;;~ ~ ..~ ~ `-- ~ ,~ ~, SHERIFF'S RETURN - NOT FOUND CASE N0: 2007-05217 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND BLUE CHIP FEDERAL CREDIT UNION VS KAMARER JOHN P ET AL 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 --- --- --- ------- -- b t was unable to locate Him in his bailiwick. nn~rtTlT T TATR+ r_ ATr1TTnL' u He therefore returns the the within named DEFENDANT 1117 BRIDGE STREET KAMARER JOHN P NOT FOUND as to NEW CUMBERLAND, PA 17070 RESIDENT AT 1117 BRIDGE STREET NEW CUMBERLAND NEVER HEARD OF DEFENDANT. Sheriff ' s Costs : So answ s • "",,....---- __..`: J~ ,.^-~'" Docketing 18.00 ~! - "~ Service 16.32 - Not Found 5 . 0 0 R . _ Tho _ K1 i ne Surcharge 10.00 Sheriff of Cumberland County Postage 58 gl~y~61 ~ 4~ KODAK & IMBLUM 09/12/2007 Sworn and Subscribed to before me this day of , A.D. SHERIFF'S RETURN - NOT FOUND CASE N0: 2007-05217 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND BLUE CHIP FEDERAL CREDIT UNION VS KAMARER JOHN P ET AL 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 KAMARER SHELBY S but was unable to locate Her in his bailiwick. He therefore returns the COMPLAINT & NOTICE , NOT FOUND as to the within named DEFENDANT KAMARER SHELBY S 1117 BRIDGE STREET NEW CUMBERLAND, PA 17070 RESIDENT AT 1117 BRIDGE STREET NEW CUMBERLAND NEVER HEARD OF DEFENDANT. Sheriff's Costs: So answers: Docketing 6. 0 0 ~._....-- Service '~~ ._~_- Not Found 5.00 R. Thom Kline Surcharge 10.00 Sheriff of Cumberland County .00 4~a y10 ~ ~ / 2 i . 0 0 KODAK & I MBLUM 09/12/2007 Sworn and Subscribed to before me this day of , A.D. BLUE CHIP FEDERAL CREDIT UNION Plaintiff v IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 07-5217 JOHN P. KAMARER and SHELBY S. KAMARER Defendant(s) CIVIL ACTION -LAW PRAECIPE TO REINSTATE COMPLAINT TO THE PROTHONOTARY: Please reinstate the Complaint in the above-referenced matter for service upon Defendants as follows: JOHN P. KAMARER and SHELBY S. KAMARER 503 4T'-' STREET NEW CUMBERLAND, PA 17070 TO: Cumberland County Prothonotary Dated: October 3, 2007 Robert D. Kodak Attorney for Plaintiff Attorney I.D. No. 18041 Email: robert.kodakC~3verizon.net ra C~ o h .~, ~ , ~ tc o ~- ,.s3 ~ ~' ~ SHERIFF'S RETURN - REGULAR C.~SE NO: 2007-05217 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND BLUE CHIP FEDERAL CREDIT UNION VS KAMARER JOHN P ET AL RONALD HOOVER Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon KAMARER JOHN P the DEFENDANT at 1715:00 HOURS, on the 15th day of October 2007 at 503 4TH STREET NEW CUMBERLAND, PA 17070 JOHN P KAMARER by handing to a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 16.32 .00 10.00 .00 44.32 Sworn and Subscibed to before me this day of , So Answers: ~~~~, ~-~ ~ ~,~` R. Thomas Kline 11/06/2007 KODAK & IMBLUM Deputy Sheriff A.D. SHERIFF'S RETURN - NOT FOUND CI~SE NO: 2007-05217 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND BLUE CHIP FEDERAL CREDIT UNION VS KAMARER JOHN P ET AL 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 KAMARER SHELBY S but was unable to locate Her in his bailiwick. He therefore returns the COMPLAINT & NOTICE , NOT FOUND as to the within named DEFENDANT 503 4TH STREET NEW CUMBERLAND, PA 17070 DEFENDANT LIVES IN YORK COUNTY. Sheriff's Costs: Docketing Service Not Found Surcharge liloy(a1 `?^' KAMARER SHELBY S So answer -- :~,_-- J ~,.,--. 6 . 0 0 - ~.. ,. ,. r . 0 0 - ~" ~ 5.00 R. Thom Kline 10.00 Sheriff of Cumberland County .00 21.00 KODAK & IMBLUM 11/06/2007 Sworn and Subscribed to before me this day of A.D. SHERIFF'S RETURN - OUT OF COUNTY CASE NO: 2007-05217 P j COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND BLUE CHIP FEDERAL CREDIT UNION VS KAMARER JOHN P ET AL R. Thomas Kline Sheriff or Deputy Sheriff who being duly sworn according to law, says, that he made a diligent search and and inquiry for the within named DEFENDANT KAMARER SHELBY S to wit: but was unable to locate Her deputized the sheriff of YORK serve the within COMPLAINT & NOTICE County, Pennsylvania, to On November 6th 2007 this office was in receipt of the attached return from YORK Sheriff ' s Costs : So answers~~ ---- Docketing 6.00 ~ ... `~~ ~'" Out o f County 9 . 0 0 ~-: ~ `` %~ Surcharge 10.00 R. Thomas Kl' e Dep York County 44.83 Sheriff of Cumberland County Postage 2.06 71.89 / rilogl0~ 11/06/2007 KODAK & IMBLUM• Sworn and subscribe to before me this day of in his bailiwick. He therefore A.D. COUNTY OF YORK OFFICE OF THE SHERIFF 45 N. GEORGE ST., YORK, PA 17401 P SERVICE CALL (717)771-9601 SHERIFF SERVICE INSTRUCTIONS PROCESS RECEIPT and AFFIDAVIT OF RETURN PLEASE TYPE ONLY LICE 1 Tt#tU 12 DO- NOT DETACH ANY CAPES 1 PLAINTIFFlS! 2 COLIFLT NUMBE~ C 1V 11 BluQ Chip FQderal Credit Union U/ ~oLL1l/ 3 DEFENDANTlS/ 4. TYPE OF WRIT OR COMPLAINT John P. Kamarer Qt al NotcicA & Complaint SERVE 5 NAME OF INDIVIDUAL, COMPANY, CORPORATION, ETC. TO SERVE OR DESCRIPTION OF PROPERTY TO BE LEVIED, ATTACHED, OR SOLD Shelby S. Kamarer 6. ADDRESS (STREET OR RFO WITH BOX NUMBER, APT. NO ,CITY. BORO. TWP .STATE AND ZIP CODE) AT 828 Old For e Road New CumbArland, PA 17070 T. INDICATE SERVICE: O PERSONAL U PERSON IN CHARGE X~DEPUTIZE :] CERT. MAIL C] 1ST CLASS MAtL U POSTED U OTHER NOW OctobQr 18 , 20 07 I, SHERIFF OF , P do her deputize the ~ of Y~~tr COUNTY to execute this d tum t ere n to law. This deputization being made at the request and risk of the plaintiff., SHERIFF OF `lblll( COU 8. SPECIAL INSTRUCTIONS OR OTHER INFORMATION THAT WILL ASSIST IN EXPEDITING SERVICE. 0 / C Clmberland Please mail return of service to Cumberland County Sheriff. Thank you. At)V r r~.r. ru tiY I.AW N' 1 KM NOTE: ONLY APPLICABLE ON WRIT OF EXECUTION: N.B. WAIVER OF WATCHMAN -Any deputy sherAf levying upon or attaching any properly under within wnt may leave same without a watchman, in wstody of whomever is found in possession, after notirying person of levy or attachment, without liability on the part of such deputy or the sheriff to any plaintiff herein for any kiss, desWdion, or removal of any property before shehfrs sale thereof. 9. TYPE NAME and ADDRESS of ATTORNEY !ORIGINATOR and SIGNATURE 10. TELEPHONE NUMBER t t. DATE FILED ROBERT KODAK ESQ OF KODAK & TMBLUM PC 717-233-7159 10/9/07 12. SEND NOTICE OF SERVICE COPY TO NAME ANO ADDRESS BELOW: (This area must be completed d notice is to be marled) CUMBERLAND CO SHERIFF ONE COURTHOUSE SQUARE CARLISLE PA 17013 SPACE SLOW FOR USE QF THE SFER~F - DO NOT WR11'E BELOW TES ~ i>~ 13. I acknowledge receipt of fhe wrA 14. DATE RECEIVED 15 Expiratan/Hearing Date Or complaint as indipted above. -r m n~ n,r n n r T T A ., ~ ..., ~ ~. -, ~ ,. • ,. , 16. HOW SERVED: PERSONAL ( ) RESIDENC~) POSTED ( ) POE ( ) SHERIFF'S OFFICE ( ) OTHER ( ) SEE REMARKS BELOW t7. O hereby ceAiry and return a NOT FOUND because I am unable to locate the individual, company, etc. named above. (See remarks below.) 18. E A ITLE OF INDIVIDUAL SERVED / LIST A RESS HERE IF NOT SHOWN ROVE ( tionship to Defendant) 19. Date of Serv 20 Time f e 21 TS ate Ti a Int. Date Time Miles Int. Date Time Miles Int. Date Time Miles Int. Date Time Miles Int. Date Time Miles Int. J 22. REMARKS: 23. Advance Costs 10U 00 21. Service Costs ($ O O 25. N!F 26. Mileage 21 53 27. Postage 28. Sub Total ~ ' 29. Pound 30 Notary ' 3t. Surchg. 32. Tot. Costs 33~f~eek~Btre ar Refund Check No. . . . J ~Pl. d 5. dC ~ ~H.g 5. ~ ~ ~I7rC 34. ForNyn County Costs 35. Advance Costs 36 Service Costs 37. Notary Cert. 38. Mieage/Pastage/Nol found 39. Total Costs 40. Costs Oue or Refund 41. AFFIRMED and subscribed to be a me th 2 6 t wERS 42. d of OG ~ - ~ . - _..._ T ~~ 20 •~ 43 _ : r Ry ~ 44. Signature of Dep. SheriR ~~ q / O -~ 7,~~T~ ~ • °-- a 4 Signature of York C -- . ~ ~_;~.L ._ ounty Sherill . "`y" ~A~fr'UELIC ~ i Williarl M ose Sheriff 10/2b/07 ~'~'~ Uu,'yTY 48. Si n g atureofForegn _ 49 DATE ~r„~;=x,11.!; 1~ onnn CounryShenR 50. I ACKNOVYLEDGEiLEEEiPT.pFHE StiFwrFF'S fiETURN~SIGNATURE 51. DATE RECEIVED OF AUTHORIZED ISSUING AUTHORITY AND TITLE 1. WHITE - Issuing Authority 2. PINK • Attorney 3. CANARY • SheriRS Office 4. BLUE - ShertRS Office `~ -... ,~. .~' ~. ., ~ ~ , t= -, . ,, 4 !4 Y ORIG!NP,L BLUE CHIP FEDERAL CREDIT iN THE COURT OF COMMON PLEAS UNION :CUMBERLAND COUNTY, Plaintiff :PENNSYLVANIA v NO.07-5217 CIVIL TERM JOHN P. KAMARER and SHELBY S. KAMARER Defendant(s) ;CIVIL ACTION -LAW TO: PROTHONOTARY, COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PRAECIPE FOR DEFAULTJUDGMENT Enter }udgment in favor of Plaintiff and against Defendant(s) JOHN P. KAMARER AND SHELBY S. KAMARER, named for failure to file within the required time an Answer to the Complaint in the above-captioned case and assess the Plaintiffs damages as follows: Amount clauned in Plaintiff's Complaint for Counts I & II $8,203,(2 Count I Interest on $5,011.08 at the rate of 8.5% per annum from 5/30/07 $230.75 Count II Interest on $3,192.54 at the rate of 10.9°~ per annum from 05/30/07 $188.50 Total = $8,622.87 It is hereby certified that a written notice of intention to file this Praecipe was mailed to the Defendant(s) and his attorney of record, after the default occurred and at least ten (10) days prior to the date of the filing of this Praecipe. See Exhibits A & B attached. KODAK & B P.C. By Robert D. Kodak, Attorney for Plaintiff DATED; ~~ 20i ~,,,UD? Judgment enfiered and damages assessed as above. 1~ Prothonotary LAW OFFICES OF KODAK & IMBLLTM, P.C. CAMERON MANSION Telephone Robert D. Kodak 407 NORTH FRONT STREET ~ ~ ~ ~ •238•n59 Gary J. Imblum POST OFFICE BOX 11848 Cf ~ ~ acsimile HARRISBURG, PA 17108-1848 •x•7158 kki.law®verizon.net November 19, 2007 JOHN P KAMARER , 503 4`h STREET NEW CUMBERLAND PA 17070 RE: Blue Chip Federal Credit Union VS: John P. Kamarer and Shelby S. Kamarer No. 2007-5217 Civil Term ,Court of Common Pleas Cumberland County, Commonwealth of Pennsylvania Our File No. 33449A-C Dear Mr. Kamarer: In accordance with Pennsylvania Rules of Civil Procedure 237.1(a)(2), we are enclosing herewith a Notice of a Praecipe for Entry of Default Judgment According to the records as they are found in the Office of the Prothonotary of Cumberland County, you have not filed responsive pleadings to the Complaint filed against you to the above term and number, nor has any attorney entered an appearance on your behalf. Accordingly, we are forwarding to you the enclosed Notice which indicates that if you do not take action as set forth in this Notice, we, at the expiration of time indicated therein, will request the Office of the Prothonotary of Cumberland County to enter Judgment against you in the amount as set forth in said Complaint Very truly yours, KODAK & IMBLUM, P.C. /~ i Robert D. Kodak THIS LETTER IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE RDK/kqb enclosure cc: MARY CAROLL COLL MGR BLUE CHIP FEDERAL CRED 5050 DERRY STREET HARRISBURG PA 17111 #8310A, 13431, 8310D M BLUE CHIP FEDERAL CREDIT UNION Plaintiff JOHN P. KAMARER and SHELBY S. KAMARER Defendant(s) IN THE COURT OF COMMON PLEAS - CUMBERLAND COUNTY, PENNSYLVANIA N0.07--5217 CNIL TERM CIVIL ACTION -LAW IMPORTANT NOTICE TO: TOHN P. KAMARER , Defendant(s) DATE OF NOTICE:. NOVEMBER 19.2007 YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IlV WRIT]IVG 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 AGAIlVST YOU WITHOUT A HEARIIVG, AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE 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 BAR ASSOCIATION TWO LIBERTY AVENUE CARLISLE PA 17013 (717) 249-3166 LAW OFFICES OF KODAK &IMBLUM, P.C. Robert D. Kodak CAMERON MANSION Gary J. Imblum ~~ NORTH FRONT STREET POST OFFICE BOX 11848 HARRISBURG, PA 17108-1$48 kki.law®verizon.net November 19, 2007 SHELBY S KAMARER 828 OLD FORGE ROAD NEW CUMBERLAND PA 17070 RE: Blue Chip Federal Credit Union VS: John P. Kamarer and Shelby S. Kamarer No. 2007-5217 Civil Term ,Court of Common Pleas Cumberland County, Commonwealth of Pennsylvania Our File No. 33449A&B Dear Ms. Kamarer: FILE e 9 Facsimile 717.238.7158 In accordance with Pennsylvania Rules of Civil Procedure 237.1(a)(2), we are enclosing herewith a Notice of a Praecipe for Entry of Default Judgment. According to the records as they are found in the Office of the Prothonotary of Cumberland County, you have not filed responsive pleadings to the Complaint filed against you to the above term and number, nor has any attorney entered an appearance on your behalf. Accordingly, we are forwarding to you the enclosed Notice which indicates that if you do not take action as set forth in this Notice, we, at the expiration of time indicated therein, will request the Office of the Prothonotary of Cumberland County to enter Judgment against you in the amount as set forth in said Complaint Very truly yours, KODAK &IMBLUM, P.C. Robert D. Kodak THIS LETTER IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE RDK/kqb enclosure cc: MARY CAROLL COLL MGR BLUE CHII' FEDERAL 5050 DERRY STREET HARRISBURG PA 1711 #8310A, 13431 FILE C BLUE CHIP FEDERAL CREDIT UNION ~ IN THE COURT OF COMMON PLEAS Plaintiff ~ CUMBERLAND COUNTY, PENNSYLVANIA v JOHN P. KAMARER and N0.07-5217 CIVIL TERM SHELBY S. KAMARER Defendant(s) ~ CIVIL ACTION -LAW IMPORTANT NOTICE TO: SHELBY 5. KAMARER . Defendants} DATE OF NOTICE: NOVEMBER 19, 2007 YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IlV WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIlV TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YbU WITHOUT A HEARIlVG, AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH IlVFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIIZE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU W TTH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION TWO LIBERTY AVENUE CARLISLE PA 17013 (717) 249-3166 8 ~' ~ ~ ~! p r V a ``~ Q ~~ ~: .: ~;ri' „ ~ ,. f r,;= ;. ~,~ ' ~"~ .,,,4 d _~ c~ ~`+; n ~~~ ~~ ..~ --r; ~y fi ,~ . BLUE CHIP FEDERAL CREDIT ~ IN THE COURT OF COMMON PLEAS UNION ;CUMBERLAND COUNTY, Plaintiff ~ PENNSYLVANIA v NO.07-5217 CNIL TERM JOHN P. KAMARER and SHELBY S. KAMARER Defendant(s) ~ CIVIL ACTION -LAW TO: TORN P. KA R .Defendant(s) You are hereby notified that on , 2(b~ the following (Judgment) has been entered against you in the above-captioned case. Tudgment entiered in the amount of $8 622 87 DATE: ' othonotary I I hereby certify that the name and address of the proper person(s) to receive this notice is: JOHN P KAMARER 503 4~ STREET NEW CUMBERLAND PA 27070 • ~ . . BLUE CHIl' FEDERAL CREDIT IN THE COURT OF COMMON PLEAS UNION ;CUMBERLAND COUNTY, Plaintiff ~ PENNSYLVANIA v N0.07-5217 CNIL TERM JOHN P. KAMARER and SHELBY S. KAMARER Defendants} ~ CNIL ACTION -LAW TO: SHELBY S. KAMARER ,Defendant(s) You are hereby notified that on 1 )F c ~. d , 20Q7the following (Judgment) has been entered against you in the above-captioned case. Tudgment entered in the amount of $8,622.87. DATE: onotary I hereby certify that the name and address of the proper person(s) to receive this notice is: SHELBY S KAMARER 828 OLD FORGE ROAD NEW CUMBERLAND PA 1?070 ORIGINP,L BLUE CHII' FEDERAL CREDIT IN THE COURT OF COMMON PLEAS UNION ~ CUMBERLAND COUNTY, Plaintiff :PENNSYLVANIA v N0.07-5217 CIVIL TERM JOHN P. KAMARER and SHELBY S. KAMARER Defendant(s) CNIL ACTION -LAW TO: PROTHONOTARY, COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PRAECIPE FOR DEFAULT JUDGMENT Enter judgment in favor of Plaintiff and against Defendant(s), JOHN P. KAMARER (only), named for failure to file within the required time an Answer to the Complaint in the above-captioned case and assess the Plaintiff s damages as follows: Amount claimed in Plaintiffs Complaint on Count III $10,650.02 Count III Interest at the rafie of 14.5% per annum from 05/30/07 36.49 Total $11,486.51 It is hereby certified that a written notice of intention to file this Praecipe was mailed to the Defendant(s) and his attorney of record, after the default occurred and at least ten (10) days prior to the date of the filing of this Praecipe. See Exhibits A & B attached. KODAK & .C. B - Robert D. Kodak, Attorney for Plaintiff DATED: ~~ ~Q( a,pp? Judgment entered and damages assessed as above. 0 onotary LAW OFFICES OF KODAK &IMBLUM, P.C. Robert D. Kodak CAMERON MANSION Gary J. Imblum 407 NORTH FRONT STREET POST OFFICE BOX 11848 HARRISBURG, PA 17108-1848 kki.law@verizon.net November 19, 2007 JOHN P KAMARER 503 4"` STREET NEW CUMBERLAND PA 17070 RE: Blue Chip Federal Credit Union VS: John P. Kamarer and Shelby S. Kamarer No. 2007-5217 Civil Term ,Court of Common Pleas Cumberland County, Commonwealth of Pennsylvania Our File No. 33449A-C Dear Mr. Kamarer: FILE 71 9 Facsimile 717.238.7158 In accordance with Pennsylvania Rules of Civil Procedure 237.1(a)(2), we are enclosing herewith a Notice of a Praecipe for Entry of Default judgment. According to the records as they are found in the Office of the Prothonotary of Cumberland County, you have not filed responsive pleadings to the Complaint filed against you to the above term and number, nor has any attorney entered an appearance on your behalf. Accordingly, we are forwarding to you the enclosed Notice which indicates that if you do not take action as set forth in this Notice, we, at the expiration of time indicated therein, will request the Office of the Prothonotary of Cumberland County to enter Judgment against you in the amount as set forth in said Complaint Very truly yours, KODAK &IMBLUM, P.C. Robert D. Kodak THIS LETTER IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE RDK/kqb enclosure cc: MARY CAROLL COLL MGR BLUE CHIl' FEDERAL CREDIT 5050 DERRY STREET HARRISBURG PA 17111 ~ #8310A,13431, 8310D BLUE CHIP FEDERAL CREDIT UNION IN THE COURT OF COMMON PLEAS Plaintiff :CUMBERLAND COUNTY, PENNSYLVANIA v NO.07-5217 CNIL TERM JOHN P. KAMARER and SHELBY S. KAMARER Defendant(s) ;CIVIL ACTION -LAW IMPORTANT NOTICE TO: JOHN P. KAMARER , Defendant(s) DATE OF NOTICE: NOVEMBER 19, 2007 YOU ARE IlV DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IlV WRITIlVG 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 AGAIlVST Y~U WITHOUT A HEARIlVG, AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE 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 W ITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION TWO LIBERTY AVENUE CARLISLE PA 17013 (717) 249-3166 ~~ \~ ~ r-~ ~ ~~ o ~~. ~ ~ cy ~i;= ~ ~ --~ ` ^ f J \,~ ~: ~ ~ 1~ ~~: ~: ~ ~ r 1... ~~ BLUE CHIP FEDERAL CREDIT IN THE COURT OF COMMON PLEAS UNION :CUMBERLAND COUNTY, Plaintiff ~ PENNSYLVANIA v NO.47-5217 CIVIL TERM JOHN P. KAMARER and SHELBY S. KAMARER Defendant(s) TO: TOHN P. KAMARER ,Defendant(s) CIVIL ACTION -LAW You are hereby notified that on 1)EC__ ~d , 2(}~ the following Qudgment) has been entered against you in the above-captioned case. Judgment entered in the amount of $11486.51. DATE: othonotary I hereby certify that the name and address of the proper person(s) to receive this notice is: JOHN P KAMARER 503 4~ STREET NEW CUMBERLAND PA, 17070 i a• ,~ PRAECI PE FOR WRI T OF EXECUTION - (MONEY JUDGMENTS) P. R. C. P. 3101 to 3149 IN THE COURT OF COMMON PLEAS BLUE CHIP FEDERAL CREDIT CUMBERLAND COUNTY, PENNSYLVANIA UNION Writ No . Term 20 Plaintiff VS JOHN P. KAMARER AND SHELBY S. KAl~IARER 503 4TH STREET NEW CUMBERLAND PA 17070 Defendant(s) N0. 2007-05217 CIVIL TERM Term 2007 Amount due $ 8,622.87 Interest FROM DATE OF JUDG. 12/20/07 Atty's comm. $ 431.14 and Costs TO BE DETERMINED$ TO THE PROTHONOTARY OF SAID COURT: ISSUE WRIT OF EXECUTION IN THE ABOVE MATTER, (1) Directed to the Sheriff of CUMBERLAND County, Pennsylvania; (2) against JOHN P. KAMARER AND SHELBY S. KAMARER Defendant (s) (3) and against Garnishee (s) (4) and index this writ (a) against. JOHN P. KAMARER AND SHELBY S. KAMARER Defendants} and (b) against Garnishee(s), as a lis pendens against the real property of the defendant(s) in the name of the Garnishee(s) as follows: ~' (Specifically describe property and note any specific direction to Sheriff) Furnish 4 copies for real estate levy) LEVY UPON ALL PERSONAL PROPERTY OF ABOVE-LISTED DEFENDANT(S) AT ABOVE-LISTED ADDRESS INCLUDING BUT NOT LIMITED TO FURNITURE, ELECTRONICS, APPLIANCES, SUPPLIE ., INSIDE OR OUTSIDE ON PROPERTY. (5) Exemption has (not) been waived. Robert D. Kodak, Esquire PO Box 11848 Harrisburg, PA 17108 (717) 238-7159 Dated 01/28/08 Attorney For Plaintiff(s) ~ ~ rv ~' O _ . cx7 ~C °O 6 o c O ~ oo ~ ~ ~ $ t ~' ~ ~J p ~ ~ ~ C7 ~D{ ~ D~~ O ~ =~ 'i D °~ cra -~C 'K rt ~ ~. O C5' n ~ ~~ ~ ~ o C7 n i--~ O N Q, ~~ a rr x r- M M ;' O x z ,~ ro H b ~ ~ o ~, x ~ ~ ~ n ~, ~ H x ~ H ~ ° z ~' K NOTE ~ ~ o n o z n x o ;' 0 H o b u' N ~ v ~ d ~ H ~ r H L=1 t~ d H H N y n rS ~ ~ Z ~ N O H O I 0 (O z Under paragraph (1) when the writ is directed to the sheriff of another county as authorized by Rule 3103(b), the county should be indicated. Under Rule 3103(c) a writ issued on a transferced judgment may be directed only to the sheriff of the county in which issued. Paragraph (3) (above should be completed only in a named garnishee is to be included in the writ). Paragraph (4)(a) should be completed only if indexing of the executions in the county of issurance, is desired as authorized by Aule 3104(a). When the writ issues to another county indexing is required as of course in that county by the prothonotary. See Rule 3104(b). Paragraph (4)(b} should be completed only if real property in the name of the garnishee is attached and indexing as a lis pendens is desired. See Rule 3104(c). c WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 07-5217 Civil CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due BLUE CHIP FEDERAL CREDIT UNION, Plaintiff (s) From JOHN P. KAMARER & SHELBY S. KAMARER, 503, 4th St., New Cumberland, PA 17070 (1) You are directed to levy upon the property of the defendant (s)and to sell all personal property of above-listed defendants at above-listed address including but not limited to furniture, electronics, appliances, supplies, etc., inside or outside on property . (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $8,622.87 Interest from Date of Judgment -12/20/07 Atty's Cornet $431.14 Atty Paid $348.61 Plaintiff Paid Date: 2/06/08 L.L. $.50 Due Prothy $2.00 Other Costs Curtis ong, Prothon (Seal) By: Deputy REQUESTING PARTY: Name ROBERT D. KODAK, ESQUIRE Address: KODAK & IMBLUM, P.C. CAMERON MANSION 407 NORTH FRONT STREET PO BOX 11848 HARRISURG, PA 17108-1848 Attorney for: PLAINTIFF Telephone: 717-238-7159 Supreme Court ID No. R. Thomas Kline, Sheriff, who being duly sworn according to law, states this writ is returned STAYED. OFFICE OF THE SHERIFF ;~?s~"F~i ^. P-~~ rOIII~TY, PA Sheriff s Costs: Advance Costs: 150.00 2000 FEB - ~h~f~ ~psts: 107.17 Docketing 18.00 42.83 Poundage 2.11 Advertising Law Library .50 Prothonotary 2.00 Refunded to Atty on 06/17/08 Mileage 34.56 Surcharge 30.00 Levy 20.00 Certified Mail Post Pone Sale Garnishee Postage f ~,,,,, TOTAL $ 107.17 / ~//9lbq ~o Answers; R. Thomas Kline, heriff y laudia A. Brewbaker ~_, ~~ t ~~ ~~ °~,~ ~ ~ ,~c.u~ ,? 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FOR THE MIDDLE DISTRICT OF PENNSY�Y ,Az `��tLANL3 COUNTY IN RE: CHAPTER 13 L' PiNSYLVANdA JOHN PHILLIP KAMARER SHELBY SUSAN KAMARER, CASE NO. 1:08-bk-01741 Debtors , JOHN PHILLIP KAMARER SHELBY SUSAN KAMARER, Movants • CERTIFIED FROM THt RECORD V. day of , 20.�.�AA Clerk, U.S. Barrkmptcy. BLUE CHIP FEDERAL CREDIT .� UNION, Per Respondent ae.,puty Clerbc ORDER UPON consideration of the foregoing Motion to Avoid Judgment of Respondent under Section 522(f)of the Bankruptcy Code , it is hereby ORDERED AND DECREED that the relief prayed for in the Motion be, and hereby is granted,to wit,the judgment of BLUE CHIP FEDERAL CREDIT UNION in the approximate amount of$11,486.51 entered in Cumberland County at docket number# 2007 CV 5217 be and hereby is avoided; it is further ORDERED AND DECREED that a certified copy of this Order may be filed with the Prothonotary of Cumberland County and the Prothonotary is directed to terminate the judgment in the judgment indices. By the Court, Chief Bankruptcy Judge (JK) Dated: April 22, 2013 Case 1:08-bk-01741-MDF Doc 82 Filed 04/22/13 Entered 04/22/13 12:51:19 Desc Main Document Page 1 of 1 V 'S� a