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HomeMy WebLinkAbout07-5459IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff NO. b~ - 5'~ 5Q C i v i 1 ~ cm vs. SHERRIE J. CAUDILL Defendant CIVIL ACTION -LAW NOTICE TO DEFEND Pursuant to PA RCP No. 1018.1 You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after the Complaint and notice aze served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other relief requested by the Plaintiff. You may lose money or property or other rights inportant to you. 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 CAN NOT 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 32 South Bedford Street Cazlisle, PA 17013 1-800-990-9108 Document #: 180057.1 EN LA CORTE DE ALEGATOS COM iJN DEL CONDADO DE CUMBERLAND, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES NO. CREDIT ANION, Plaintiff vs. SHERRIE J. CAUDILL Defendant CIVIL ACTION -LAW AV I S O PARR DEFENDER Conforme a PA Num. 1018.1 USTED HA SIDO DEMANDO/A EN LA CORTE. Si usted desea defender conta la demands puestas en las siguientes p~ginas, usted tienen que tomaz accibn dentro veinte (20) dias despues que esta Demands y Aviso es servido, con entrando por escrito una apazencia personalmente o por un abogado y azchivando por escrito con la Corte sus defenses o objeciones a las demandas puestas en contra usted. Usted es advertido que si falls de hacerlo el caso puede proceder sin usted y un jazgamiento puede ser entrado contra usted por la Corte sin mss aviso por cualquier dinero reclamado en la Demands o por cualquier otro reclamo o alivio solicitado por Demandante. Ustedpuede perder dinero o propiedad o otros derechos importante paza usted. USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSEGUIDA. SI USTED NO TIENE UN ABOGADO, VAYA O LLAME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACI~N DE CbMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACIbN ACERCA AGENCIAS QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. Cumberland County Bar Association 32 South Bedford Street Cazlisle, PA 17013 1-800-990-9108 Document #: 180057.1 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff vs. SHERRIE J. CAUDILL Defendant NO. O ~= SyS 9 Ccar.! ~~ CIVIL ACTION -LAW COMPLAINT AND NOW, comes Plaintiff, Pennsylvania State Employees Credit Union, by and through its attorneys, Van Eck & Van Eck, P.C. and states the following cause of action and in support thereof, avers as follows: 1. Plaintiff, Pennsylvania State Employees Credit Union, is a financial institution qualified to conduct business in the Commonwealth of Pennsylvania with offices and/or a place of business situate at 1 Credit Union Place, Harrisburg, Dauphin County, Pennsylvania. 2. Defendant, Sherrie J. Caudill, is an adult individual with a last known address of 313 Chazles Road, Mechanicsburg, PA 17050-3004. 3. Defendant is, and at all relevant time material hereto has been, the primary loan applicant. 4. Defendant applied to Plaintiff for a Personal Service Loan and a Visa loan. A true and correct copy of said applications is attached hereto, incorporated herein and mazked as Exhibit "A". 5. The application submitted by Defendant was approved by Plaintiff. 6. Pursuant to the loan applications marked as Exhibit "A", Defendant agreed to the terms and conditions of the extension of credit as set forth in the Loanliner Credit and Security Document #: 180057.1 Agreement (hereinafter referred to as "Contract"). A true and correct copy of the Loanliner Credit and Security Agreement is attached hereto, incorporated herein and marked as Exhibit «B„ 7. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms and conditions of the Contracts marked as Exhibit "B". 8. Various charges and payments were made by Defendant on the accounts. 9. Defendant has defaulted on the loan by failing to make timely and regular payments. 10. The last payment made by Defendant was on April 28, 2005. 11. Defendant was required under the contracts to make regular and timely payments. 12. Plaintiff has maintained a statement of accounts keeping an accurate and running amount of debits and credits made on Defendant's accounts. 13. Plaintiff has submitted to Defendant a copy of the statement of accounts accurately showing all debits and credits for transactions with Defendant. 14. Defendant has not objected to any of the monthly statements of accounts submitted by Plaintiff to Defendant. 15. Despite Plaintiff s reasonable and repeated demands for payment, Defendant has failed, refused and continues to refuse to pay all sums due and owing on Defendant's loan account balances, all to the damage of Plaintiff. 16. As of September 7, 2007, the balance due, owing and unpaid on Defendant's loan accounts with Plaintiff is the sum of Seven Thousand One Hundred Seventy-Six Dollars and 46/100 ($7,176.46). Document #: 180057.1 17. Pursuant to the terms and conditions of the extension of credit contained in the Contract, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest charge on the principal loan balances. 18. Due to the default of the Defendant and pursuant to the terms and conditions of the Contract attached as Exhibit "B", attorney's fees in the total amount of One Thousand Four Hundred Sixty Dollazs and 28/100 ($1,460.28) have been added to the accounts. 19. Any and all conditions precedent to the bringing of this action has been performed by Plaintiff. 20. The amount in controversy is within the jurisdictional amount requiring compulsory azbitration. WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, respectfully requests this Honorable Court to enter judgment in favor of. Plaintiff and against Defendants, Sherrie J. Caudill, in the amount of Eight Thousand Six Hundred Thirty-Six Dollars and 74/100 ($8,636.74), plus interest, the costs of this action, and such other relief as the Court deems just and proper. Respectfully submitted, VAN ECK & VAN ECK, P.C. By: r Melissa L. Van Eck, Esquire Attorney I.D. No. 85869 P.O. Box 6662 Harrisburg, PA 17112 717.540.5406 Document #: 180057.1 VERIFICATION I, Harry L. Smith, Manager of the Pennsylvania State Employees Credit Union verify that the statements made in the aforegoing document are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. §4904, relating to unsworn falsification to authorities. Pennsylvania State Employees Credit Union Title: ~D) ~e c7 ~uv, S ~`'l'~G~ Date: b ~ ~ f 3 l ~7 Document #: 180057.1 EX~IIBIT "A" PERSONAL SERVICE LOAN AND VISA ACTIVATION NOTICE Loan Information November 25, 2002 Ref # : 17320? 598 I ~~~ ~ ~ Z~~ Approval Amount: 57,000 Account # : 0164560813 SS # : 164-56-0813 Applicant: SHBI2RIE J CAUDILL Home Telephone # : 717 975-2577 Work Telephone # : 717 705-4611 Signature I acknowledge receipt of the PSECU LOANLINER Disclosure and Credit Agreement and agree to be bound by the set forth in said a ement. ~' - ll-a7-Da ~~aa nnnp Sigenunre of SHBRRIE J t.AUDIt i. Date ~C(s ~ 9 Ztllr~ Personal Service Loan Options • I would Iike an vannediate Personal Service Loan advance of 5 .Purpose: Send a ^ check or D deposit to my Share 4 • Select your Pmuemal Service Loan repayment option. D Payroll ckduction ^ Aatomatia Transfer ^ Direct Payment ^ Homebanking ^ Self Service Telephone • I ^ want ^ do not want overdraft protection from mY Personal Servix Loan. VYSA Options ' a I would liloe an immediate VISA advance of $ .Purpose: Send a ^ check, or d deposit to my Share 4 • You must ~iect your VISA loan ttsaeaction repayment option. ^ Ttans$er on Pay Day (select one): ^ minimum amount ^ altemata payment amotmt of S ^ Transfer automatically on the 25th of each month (select one): ^ minimam amount ^ alternate payment amount of 5 ^ previoas month's bahtnce ^ Agail a payment monthly by the 25th. • You may have one additional card issued on your VISA account. Indicate your choice below: [~ Pieaso iswe an addttionai card in the namo below. I authorize hirrJher to rue it and I accept tbll responstbility fa all charger and/or cash advaacw just u thonglt [made them Autharimd cud holders tnay not order replacement oatds orobtain VISA account information (i.a degiied tranwctionr, baluue intbrrr»tion, paymaat activity). SHBItItIE J CAUDII,L must sign below. None of Autlarized Card Holder Sig~bue of SHBRRIB J CAUDILL • Select your Personal Identification Number for your VISA card Select a PIN that is not easily identified rdtb you, and writo your PIN in the spaces provided PSBCU does not lxap yourPlN an Sle. Please do not use the kttera Q to Z m part ofyour P1N. At+o, do trot use the following combinations of numbers: 0000 through 0009 or 9999. SCANNED ~= reference_number account designator user_code_1 applicant is user_date_2 user_code 2 product type source user misc10 3 user num20_1 primary first_name primary_last name social security_number birth_date home_area_code home telephone_number business_area_code business telephone_number user misc40 6 present address_line_A present address line_B present city present state present zip_code present~lus 4_code residential_status time_at~resent address previous_address_line_A previous_city previous state previous_zip_code previous~lus 4_code time_at~revious address employer name occupation date_started~res_employ date_started_prev_employ user date_1 salary salary~ay_basis time_with~res_employer other income other income~ay_basis other_income_source checking_account ref savings_account reference monthly_housing~ayment other monthly~ayments CB_monthly~payment adjustment credit type_1 credit monthly~ayment 1 credit_type_2 173207 AYES 361 I 20021122 PSLV PSLV XPHONE 20000 0164560813 SHERRIE J CAUDILL 164-56-0813 19620409 717 975-2577 717 705-4611 313 CHARLES RD MECHANICSBURG PA 17050 3004 H DEPT OF REVENUE -TAX EXAMINER II OF 029445.00 A 0609 013261.00 A PIT OR SECOND JOB Y Y 000772.00 0000000.00 r ~- credit monthlycayment 2 credit type_3 credit monthlycayment 3 credit type 4 credit monthlycayment 4 credit type_5 credit monthly_ayment 5 account category NO co_app_first name co_app_last name co_app_social_security_number co_app_birth date co_app_home_area_code co_app_home telephone number co_app_business_area_code co_app_business telephone_no co_app~resent address_line_A co_app~resent address_line_B co app resent city co_appcresent_state co_app~resent zip_code co_appcresentclus 4 code co_app_residential_status co_app time_at~resent address co_appcrevious_address_line_A co_app~revious city co_appcrevious_state ~ appcrevious zip_code co_appcreviousclus 4 code co_app time_atcrevious_address co_app_employer name co_app_occupation co_app_date_startedcres empty co_app_date_startedcrev_emply co_app_salary co_app_salarycay_basis co_app_other income co_app_oth_incomecay_basis co_app_other_income_source co app_checking_account_ref co_app_savings account ref ~ app_monthly_housingcayment co_app_other monthlycayments co app_CB_monthlycayment adj co_app_credit type_1 co_app_credit monthlycayment 1 co_app_credit type_2 co_app_credit monthlycayment 2 co_app_credit type_3 ~ app_credit monthlycayment 3 co_app_credit type 4 co_app_credit monthlycayment 4 co app_credit type 5 co app_credit monthly~ayment 5 account type user misc40_2 CALL WORK user_misc20_3 5 user misc20 _ purpose DEBT CONSOLIDATION user misc10_6 598 user miscl0 5 19 user num10 1 7000 collateral_value 000000.00 user num9 1 000000000 misc10 7 user 015032 _ user num10_5 018035 memo user misc40_1 user misc40_4 user misc40_5 user num10 4 0 user num10 3 user code_3 user code 5 usermisc10_2 usermisc10_1 insurance type user_misc10_4 user_num10_2 user_misc20_2 user_misc20_1 rate_type usermisc10_8 employer address line A employer city employer state employer zip_code insurance_requested reference_number 173207 decision arty A account number system_I D CRED credit_limit 007000.00 app_score 046 CB_score 0152 total_score 198 co_app_app_score co_app_CB_score co_app_total_score number of blank_sconrd_items 00 co_app_nu m_blank_scored_items evaluation_cutoff 180 scoring_system~opulation 01 reason_for decline_1 =- k k---~ ~--• reason_for_decline_2 reason for decline_3 reason for decline_4 review_indicator 1 EXDR review_indicator 2 review_indicator 3 review_indicator 4 review_decision F status change code credit analyst ID 291 reason_for override possible_dupticate_result final review decision A final_review indicator 1 ANST final_review indicator 2 final_review indicator 3 review indicator 4 final _ recommended_decision A verification_result verification_indicator1 verification_i nd icator_2 verification_indicator 3 verification_indicator 4 use_previous_address N possible fraud_result notification_completed user_code_4 user_code_5 user code 6 condition_code_1 condition_code_2 condition_code_3 code 4 condition _ condition text FINAL REVIEW FOR $7,000 conditions satisfied time_at two_addresses time_with_two_employers 0609 monthly_income total 003558.83 _ finance_company_loan_ref check_and_save_reference 7 numberof credit_references 00 reference card credit _ _ net disposable_monthly_income 001132.06 app_debt ratio 022 app_total_monthly~ayments ratio debt CB 048 _ _ CB total_monthly~ayments 00000943 CB_file time in 1211 _ _ since_most recent inquiry time 0010 _ CB_rating worst E2 _ time_since_newest trade_opening 0003 months_since_oldest date_opened 155 EX~IIBIT `B" --, _Pennsylvania State Employees Credit Union P.Q. Box 67013 • Harrisburg, PA 17106-70f3 • (717J 234-8434 Harrisburg, j800) 237-7328 NaLbnwida Loan Disclosures Ttua LOANUNER' Credit end Security Agreement, which includes the Truth in LsrKflng Ulsdosures, wiN be referred to as the Pian. The Ptan documents include this Agreement and an Addendum. You, your and borrower mean any person who signs the Plan. Credit Union, we. our and us mean PSECU or anyone to whom the Credit Union transfers its rights under the Plan. This is a mutti•state document which may txe used to lend b borrowers in cep states. 1. HOME TH19 PLAN WORKS -This is an open-end, multi-featured credtt Pian. We antk~ab that, from titre b time, you wpi borrow money (called `advances' under the Plan, Ws ors riot nqu[arod to make advencu to you under tM Pian and can slues • regtasst foe an advance et any time. The Addendum descrbea the different types of credtt (taped "aubaccouttts"} avapabls under the Ptah, the current interest rate for salt atrbaotxwnt exprasced as a dsiy periodic refs and correeportdng artrttad percarrtape rate and other tCtarges. k may also have other terms end a schedule for detertnirtirtg the payment arttaartts. 2 CREDIT uNd'r - We may, but do not have >o, establish a credit limit on artdn subatxtowrta. tl a credK petit is set lot a subslcootant. ytw Promise not to axsed tits osfsbpNted credit IrmiL fl you axasd Cos rxsdlt prnit, You Promise to repay imritedtetsy the amount which. exceeds tM crsdtt emit. 3. REMYMENT-lbu promise to repay cep antotxats you owe under ttre Pian plus Merest payments are due on the fast day of the monCt unbea we set a dlflerent date at the time ti! an advance. K the Addendum has no payment schedule br a subacootrtt, your Payment wEw be determined st the tuna of saeit adverts. Paymatttc must irtdtada arty amount past due and arty amount by whk:h you have exceeded any crept emit you have been given for a subaccounL You may repay aN or part d what you owe at any titre without arty prepayment penalty. Even if you Prepay, you wE •111 bs required to melee the regu~. if I tta a joir-t tattaresharo w• agree b wrkktg to a daartge fn the payment YW drag aooourg, you wfl W r.sportslbls for peyup cep overdraft advalvu:ea obta-utsd by a joint holder of the share draft aceotarrt. Paymsrtts will be apppsd in the order the C+sdlt Union cfaoaeuss. 4. PU1N ACCEtp8 -You can obtain credit advtrrtaa in any manner auCaAzed by us. k ws spew you to tats your A1Tt~IDabit card ro acase the Plan, you may bs liable for Cos tartataC-orized use of yotu ATMtDslait ord. You wig riot be ~bla for tstataUtorizsd tees Ctat acctars alter you notify tae, oraly or in wrkirtg, of the lose, theft, or paseibb unauCadZad use. tf you beHaw your ATM/Deblt card has been bet or stden. krtetedlslby Irdonrr the GrsdR Unbn by t~rtg or wrktrtg us at the telephone number or address that appears elsewhere in the Pisrt. M the card is used to otNsin advances dtredy from the Ptah, your paiapky wE not axtssd i5o. If tht~ R~ ed wlCtdtawai tc from a share drag atxourtt. yotu pabNb is govorrwd by _ wiCtdrewal t ~ indvarrce CbektQ ma your aerdrak susbacx;ount. if the !i. FIf1ANICE CHARGE -The delver artaunt you pay for money borrowed is calved a'flnenos charge" and begkts on the date of each adverse. A finnrtce charge wlp be computed espanrtey br each sepanete balettce under tlts Plan. To compute the ffnartcs tytarga, ttas unpaid balance br sech day drta your feet payment (or siraoa an advance it you ttatre not yet made a pryntsrtq fa rntralpped by the elpppoabis day perio~c rats. The awn at these anatatts is the tk-artce cNtarys owrd. Ths Mlertce used to oompw the tirtengs efwps i. the urtpald taeianrs each dry after peyrttanta artd ersdtts ro that bsluxx have been tts><tttatgied and ary addlCOrta to Cis balartos have been mods. M sddltlart to irtiereat, ws may dtarps otlter thtartfe daargsa wttida ere dfaolossd on the Addartdtam. M the trKetea role le a vttrtable kttarsst rate, the Addendum sxpleina how the variable inbrest rate works. , 6. g rf,CUEU7'Y INTEREST -- Ttw Plan is secured by the shares and deposits in all jobtt end kldNldtaal axourtta you have wNh the Credi< Union raw and in the Nature. Shahs and deposits in an Irtdhriduat Retirerttertt Aotmtuat and arty other aaatant wftich would bee spedal tax ireetmsnt under stale or federal law ff given as security ors not subject to the security interest you haw given in your shares and deposits. Additbnal aecurky may be required depe~ng on the sut>eocourtt under which an advance is requested. For example. a subaaotant called 'New Car Advances" means the secxarity will be s raw car. A sut~unt called "Other Secured Advances' means you moat offer security acceptable to the Credit Union for the advance, property given as security for arty advance under the Plan will secure aN other amounts you owe under the Plan or under any other Agreement with us now at In the future. PropeAy securing other loans wtttt us may also secure the Plan. However, tt you haw given your dwelling as secunty for a loan with us, that dwelpng w111 not secure an advance made under the Pian. T. PROPERTY INSURANCE,TAXE8 AND FEES -Ybu wIN be required tD purchase properly insurance on celtBUt types of security that you pMe for advances. You may purchase the property inwrance Nom anyone You choose who is acceptable to the Credit Union. The amount and carerage of the property trtsurertce must b6 acceptable to us. You may provide the Property Insurance through a polky you already haw, or OdJlIA MUTUAL GROUP,198a, 82, ad, ea. 98, e7, ALL RIGriTB RESERYEfl through a policy you get and pay for. You promise to make the insurance policy payable to us and ro defnrer the policy or proof of coverage to us if asked to do so. it you cancel your insurance and get a refund, we have a righ! to the refund. k the property is loss or damaged, we can use the insurance samement to repair the property or apply it towards what you owe. You authorize us b endorse any drag or cheek which may be payable to you in order Cor us to coped any rotund or benefits due under your Insurance poNcy. You promise to pay all taxes and fees (tike registration fees) due on the Property and to keep the property insured against loss and damage. )f you do not pay We taxes or fees on the property when due or keep k insured, ws may Pay these obltgatioru, but we are not required b do sa Arty moray ws spend for texas, fees or insurance wig bs added to the unpaid heists ~ the advans and you w(p pay Interact on !hose amourtls at the same rats you agreed b pay on fife advance. WO mar/ receive payments fi connection wfCt ties irasuratacs from a ~^Party wtdrdt Provides the insurance. We may mortkor our bens for the purpose of determining whether you and outer borrower: haw rwrrtpflad with tlta gtetarafta requtretrtsnts of its ban aprsemsrats of may engage oCters b do sa The umnarwe cnaryed added b your advance may inducts (1 } ~ ~ ti~ to us autd {2} the coat d dstam>rning taontpBsnca vrs and ttltrl0tatta tar taxes, fees Or insurance to tl-e unpaid Galena Of your advance. vvs may ut«ease your payments to pay the tunotlnt added within tits term d the insurance or approxlrnate term of the advance. & NOTICE - ff you do not purchase the required Property insurance, the utwrarta rue may purchase and charge you for wNl cover only our Interest in the propsrtya Tits inwrenee will not be gebitlty Insurance. >i. CREDIT INSURANCE - Crradit ills artdlor «edtt disabpily insurance b opflatal unde- Cw Plata. ff you quaNy for and purchase the insurance f-om tae, you su0torfze us to add the insurartca prstnitsns mortttdp to your ban belarta and charge you inisreet on the entire before. k you sled credit Inautancs, Motu payn-ertta may increase or the paled of tirtas rtecxiaaselry to repel' Y'~ advance ~Y bs extended beyond qts appraxunate term stated on the Addendum. TIN txadR trtstsertcy rates ~ by Pian. N ttte rates change, we wNl prctvids any nobs law. to. PERIODIC t3TATEMENT - On a regular basis You wW reaivs a dlatentsttt st-owfrtg aN tra-nectiorte under Cis Pion during the period covered by the statsmenL StelNmetris and ratkxs wig be earn >o you at Cis mast scant address you have given us in writing. Unless apppcable law requires notice to each joint bomDwsr, ratlce to any one of you wig bs notice to ail. 11. JOINT' ACCOLtN'TS -- ff this is a joint aaccourtt, each of you is individwNy and jointy resportspals for Paying aN amounts owed That means the tart ertioros our rlgttta urxler the Pfau apelr-st any one d you int6viduely of agairtat eN of you togsNter. ff you give us inaonsbtertt k>shtadions, ws can refuse m fopovlr your Mseructlorta. UNees our written policy roquuse aA o! you to dpi for an advance, each of you eaaCtorizes Cie oCtsr(s} b obtain edvartcss ktdlvlduaNy and agrees to repay advarxes made b Ctt othsr(s}. '; itt. FEES AND CHARGES - ff You give us a security irtterea m attain types of properly: we rrrery cftups you a aping fee b Parted our interest in the Property C so, the amourrt of the tee wig be dbdossd to you at Cie aims you atNak- ar- advsttcs. We r~Addandum ar~wi bs added of yau~toart balelrtce urdsss you Pay Clem in cash. 13. UPDATING CREDIT 1NFOR11AT10N -You promise that you wig promptly give us vvAttsn notice C you moos, change your name or empbyrtant, or H any other inforrnatbn you provkled to us changes. Upon our request you also agree to provide us updated flnatrtael irtbrmation. 14. DEFAULT -The fotiav/ny paragraph applies to borrowers (n Idaho, Kansas, Malrte and South Carotins: You will be in default ff you do rat make a payment d the amount required when it is due. Yau will also be in dalautt it we believe the prospect of payment, performance, or realization on any property given as security is significantly impaired. The follow/ng paragraph applies only to borrower !n Wlsconsln: Yea will be in default ff you fail to make a payment wften due two times during any 12-mortttt period. `RDta wNl be in default ff breaking any promise made under the Ptah materfdy impairs your ability to repay what you owe. You wiN also be in default ff txeakkq any promise made under a Security Agreement made in connedbn with an advance, materialty impairs the condition, value. or protection of or our righ in the property you gaw as security. . The lollow/ng paragraph epp/Ns only to borrowers /n lows: You will be in defeutt if you are more than 10 days fate in making a payment. You wilt also be in default if PSECU FORM 131Ce J9XXOeai-1 637.2092.1 (3I{X7) ~---= LOANLiNEf3' Credit and Seeurlty Credit Agreement (continued) /ou do not comply with the terms of the Ptan and your failure to comply materiatiy mpairs any property you gave as security of your ability to repay what you owe coder the Plan. 7Tro bllowing paragraph applke to borroters In all other states: You will be in default if you d0 not make a payment of the amount required when it is due. You win be in detaurt if you break arty promise you made under the Plan or d anyone is in default under any security agreement made in connection with an advance under the Plan. You will be to default M you die, file br bankruptcy. become insolvent, it you make,any false or misleading statements in arty credft application or update of credit information, or it somsthktg hsppena vra betkve may substantialy reduce your abilky to repair what you owe. You will also ba in defauR under the Plan if you are in dstauft under arty other ban agreement with us. 15. ACTIONS AFTER DEFAULT -The following paragraph applies to borrowers !n Colorado, D/strlct or Columbia, fovea, Kartaas, Maine, Massadrtrsetta, Missouri, Nebraska, Wesf Virginia and South Carolina: When you are in default and after expiration of arty right you have~undf tt~enti~re unpaid law to cure your deiaul, we can demand immediate paym balance tinder the Plan without giving you advance notice_ The following paragrapA appilaa to borrowers In at! other stets: except, iMaraonsln and Louisiana: When you are in detauN, we can require immediate payment (agrekratbn) of rite aMtre unpaid balance under the Plan. You waive any right you have t0 demand for payment. notice of intent to arxelerete and notice of aoceleratbn. .~ foAorving paragraphs spply lb bwrowiart+ In all sbtse atrdp4 tMisconaln and Louhrlarre: If Yrxttsdkh payment k demanded, you wUl contirKw a pay interest urHN what you owe ftas bslrt repaid, at Use applicable intstast raise in etlect unless a dakatft tats b aSscloead on fire Addartdtrrt. H a ~ severity ~~~~ i~ ~ has beers maW, the shares and dapoeMs given applied towebs what you owe. Ws cart also eraertise arty titter rigttta Idrert by law when you are in dsfatuh. 1'bu afire} the Credit Unbn rigs Use right m take possession ~ arty p~nY g~ as asatrlgr for an advertoe urtda rite Plat rrlUatrt jtidk~al process N this amt be done vritlt>ratrt breads d ttte peace. U wr ask. You promse to delver Use propatY at a time ~ ~ ~ y~ y~ ~ ~prop~ar~ryl or Utah b~xattached to tt» property, We wd try b roUar- that Property m you or make R avslabk to you to rdakrt. After vre Rave poseaalon of the property, we can aed ft end app~r Use narteY to any amounts you owe ter. Yys veil glue you raUCS tN any public oak or of and Ertg >he e priva4a eats wilt ba held. Our for taku+g P°n properly wiA be dedtadad from Use money nroaiveld~ fees 1o tl~ie include Ufa last of storktg tits propeAy. fx~ing TM red of ihs sate mortsY ~ ePPWd to rat Y uon~ il+A~ Code. 1E. ACTIONS AFTER DEFAULT - WISCi~ are in defau a d~araR ~ lion app/Na ornlylo ri7sconsln borrowers ~ cure your default, we may require of arty right you have under appik:abla roan balance under Ufa Plan and seek fmrttsdiate payment of you ouletanding ~ to us H yet cttooss, posaeeebrt of the property. You msy wttirtq,rly give irH or wa rrtay seek to take possession of the property by I ~~ It we repoaae~ the property you agree to pay raaacnable eacpartsea ktcurred in disposk-g of tits property.lt Ufa property fa a motor vehicle, mobile tame, trala, srawrnobUe, hoed ,7r akcraft, you veil also be required to pay arty raster permitted by ~~ 422.a13 of Ufa tNhcottaln Statutes. 17. ACTIONS AFTER DEFAtIt.T - LOURrsfANA -The fitaotvkrg P~Ph applies only tb Loribiata borroa~e% When you are th default, ore can requie itrxrtsdistr payment (~ baocebrand) d ~ ro~ otb8b^0°htterttaccelerata and waive dry right you is derrtartded, You wE cordtrtue th pay r-otice of accderatlon. U irtvrtediate peyrrtani irtterast uMl what you owe has been ropaid at the applcade' kneteet rates in efieot unless a tietavit rata k dledosad on the Addartdum. I a demand for imnte,Sede payment has been made, the ettarsa and deposrb gMert as aeaxily for Ufa Plan cat be appled towards what you owe. We can also etarrciss arry other rights given by tow vtdtert YW are in defetta and twr tfgtMS under any ssaalty agraenteras You ttave with us. 1& CANCELUNtI OR CHANGINQ THE PLAN - Th+ lbRowing paragraph appHas only ro bomotvers In alir:olt:lNe have the right to change tits terrra of the Plan from t(rrto b tints after gNktg you any advance notice required by ~• A^Y cttartge to the Irttereat rate or other chases will apply to future advances. Tire lr>1loadng paragraP-ta apply orNY ~ borrower+ M W/aeonsln: We can change the terms of the Plan from time to time fn accrordanceivtAth Section a~22.4~ of the Wkoortsin Statutes.ldott w8i be notified of sty change in the dally periodic rate under a variable rate interest rate is not considered a change in terms Lander the Plan. We can cancel Use en@re Plan or any part of the Ptan at any time. You may cancel the Plan at any tlme by giving us prior written notice. Your obligation to pay the unpaid balances under the terms of the Pian continues whether you or the cred' union cancel the Pfau, ,9xCepi to the extent that your liability is limited by Section a22.ai55 of the Wisconsin Statutes. ~- The lolfowing paragraph applies only to borrowers fn lotus: We can change Lhe terms of the Plan from time to time aher giving you any advance notice required by law. A change that increases the rata of finance charge or other charge, that increases the amount of your payments, or that othenxise adversely afiectS existing balances will apply to existing balances Doty if you agree Io the change or you use the Plan aher receiving notice that your use of the Plan means you agree the change applies to existing balances. The loliowing paragraph applies to borrowero in a-I other states: <,Ne have the right to change the terms of the Plan from time to time after giving you any advance notice required ts)r law. Any change in the interest rate will apply to future advances. and at our discretion, and subject to any requirements of applcable law, wilt also apply to unpai0 balances. The following paragraph applies to Nl borrowsro other than W/scona/n horrowe,r's: An lrtcrsase in the dairy periodic rate under a variable interest rate la not considered a change M terms under the Plan. Ws can cancel the entire Plan or any part of the Plan at any torte. You can cancel the Plan at any ume. Your obligation to pay the unpaid balances under the terms of the Plan continues whether you or the Credit Union cancel the Plan. Sections 21.25 apply K you give saeuriry in connection with an sdvsnce under ttta Ptan. Thtry ap~y to borrowers in elf states except Loufsiatts. Louklana borrowers will execute a separate atiettrlry agreement 8orrovrors In other states may also be asked to execub a separate security sgreement. ill. DELAY W ENFORCING RIGHTS AND CHANGES IN THE PLAN - We tarn delay enbrcing any of our rights under thin Plan arty number of times without being the abEty to etoerclae our tipttts later. We can tuttorce ~ Pkn against your ttelrs or ~ reprsaa<ttaUvea- ff vrs change the terms of the Pion. You agree that this Plan veil cartUrxis to protect us. . 20. CONTiriUED EFFECIIVENESSC - N any Part of thk Plan k defarrnined ny a gourt to He uttanfaroaebk, the rat wtY ronakt in effect. 21. THE SECURITY FOR THE LOAN - You ~ us what a krtovvrt ea a security ', kttsrest in al properly deetxibed in any rte, vtwiti»r or other rbctxnaM You raoaivs for an Ativactcs ('yfts AdvsitotY'}. The saourMy irrvrea you give ktckides al atxesaiottc. Aot»abta are tttega which ass attacttsd to or tr>~INd h the proPeM y~pu ~y wiUtirtl0 ~ Ad e~ny eDda~b or raffnanclrtg of the Advance. ft also frtdudes any morwy You rs~aelts hom ssfilnp Ufa property or tram fratirance you have on the propartir. H tM value of Ufa Property deciktes, yet prorttise fo gM ua more f> ~ lY d asked to do ao. 22. tNHATTHE SECURITY IIyTEREST COVERS -The security ittteraet trecures the Ativattoa da-crbsd in the receipt. voucher or ~~ n~~ of the the time of Use Advance and any eadensian0. Adtrat-ce. ft ate0 sacurea arty aher advarx:ss You have now or reaehrs in the future under the Plan and arty other arttourrts or bans, including any credU card loan, you owe trs for soy raaaart stow a in Use fudrre. except any ben esctxed by Y'~ Pri^dP~ raeidertce. U the properly k notasltoW gogde as defined by the Federal Trade Commf,seion CredR PraaMicas Ruk, the property wW secure only the Advance and not aher amounts you owe. Z3. ayWN@RSHIP OFTHE PROPERTY -You promise that you oven tits propaAy or M the Advance k to buy ~ ProP~ You P~ Y~ wUl tae tits Advance for that Purpose, Y,xt prornke Mat no one area has any interest in or deirn against the property tftat you stave riot already tokt us ataoutVbtt promise not to atN or lases the property or to use k as asrxirittr for a loan vrith another creditor untU the Advance b rapafd. You promise you vAl aeorv no other seatrky iraerest ~ flan to attach to the Property either by your eciiorts or by operation of law. 24. PROTECTMIG THE SECURITY fNTEREST - If your state fesuea a Usk for the Property, you promise to have our sewrfty interest shown on Use title. We may have to fie what k celled a tinartclrtg statematt to protect our security interest from the claims of otltere. If asked to do ~. You promise to sign a financing stetenvent. You also promise to do whatever else vve think is necessary to Protect our security frttereat in Ufa t 25. USE OF PROPERTY ~~ ~ ~ ink good repay. (2)Ob~takt otir wrttt~ert twgl: (1) Use the Property to Uts properly or dtanging the address perntisabn baton makir-g majtx changes before changing Your address. (a) where Use property k icopt. (3) Inform ua in vvrltlng Aloes us W inspect Use propsrtlt (5) Prtxrtptly notify us tt the property is damaged, stolen or abused. (l;) Not use the Property for arty unlevrful Purpose. 28. NORTH DAKOTA NOTICE TO t30RROWERS PURCHASING A Mt7TOq VEMICI.E.THE IA07~ORVEHtCLE INTHIBTRANSACTION MAY BE SUB.~CTTO REPOSSESSION. IF R 1$ REPOSSESSFa ANO SOtA TO SOMEONE ELSE, AND ALL AMOUNTt3 DUE TO THE SECURED PARTY ARE NOT RECEIVED IN THAT SALE,YOU MAY HAVETO PAY THE DIFFERENCE. 27. VERMONT NOTICE TO CO-SIGNER - YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OFTHIS LOAN. IFTHE rt 80RROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. .= ~_ This note contains important information about your rights and our responsibilities under the Fair Credit Biriing Act. NOTIFY US IN CASE OF ERRORS OR OUESTIONS ABOUTYOUR STATEMENT If you think your statement is wrong, or if you need more intormafwn about a transaction on your statement, write us on a soparate sheet at the address listed on your statement Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first statement on which the ertor or problem appeared. You can telephone us, but doing so will not preserve your rights. to youf letter, give us the following information: • Your name and account number. • The dollar amount of the suspected error. Describe the error and explain, it you can, why you believe there is an error. If you need more information, describe the Rem you are not sure about. If you have authorized w b pay a rredR card account sutomeidcally from your share account or ctteddng account. you can stop the payment on any arttotutt you think is wrong.To stop the payment your letter must reach ua dues txrsMtess days before the sutanatic payment is echedutad b occur. YOUR RltiffTB AND OUR pE$pONS191LiT1ES AiFTER WE RECENE YOUR FNRI7TEN NOTICE -1Ns must actcioMAedge your lelte- tMdtkt 30 days, unless we have corrected fife ettor blr ittari. WRtdi+ ~ days, ~ must eitlter corretx the error a exptakt why we IxrieNe tl» ataternertt was correct. After we reaM year letter ws txnrot try b collect any amount you gtreation, or report you ae dslinquerst. tNe can txndnert': to send stalerrtertts to you for the amount. You gtrestiort, ktdudng Anartca charges, and we cart appy a^Y amount in tlt~ A~emsnt, tltii words you ad your mearte esch and aR d Moss who apply for the and or who signs thk Agnerrta'rt. t.ard msarm the ViSA Credit Card and any dt~Rof~s and renewals ws Metre. Aeuwunt rnearx your VISA Credit Card Line d Credt acootrnt wRh us. YNs, trs, and cure means this Crtfdit Union. 1. RE!6F'ONSIBiLITY -- q we issue you a earel, You sgne b repayr aq debts and the Fkta[ta Oherpe ~ekt~ from the used 1M exrd and the csrd aacounL For rerepar~e for eAtBrges ntada by yotx epotree and minor cttridrsn.libu are also reapar>aibls for t uee~ and b~noarsred• `Po ~~~~~~ cannot dhciaim respombfAty by noelfying us, but wo wiR does fife atxtottnt for rww eraraacAora N you so regtreQ and ntum edl cards. Ybur~t Ito ~ balance oortArtues avert an agreement, ltrdgntarrt to which ws ere rat a Party may direct You or one of the other persats rssponaAlle b pay life aococrnt 2. LOSY CAff[Q NOQ1fiCATiON - it you bolevs Cie Card Etas been lost or etoton, you wll frttrrwdlarogr txri Cie Credit Union at p17) 23x-0484 eu (800) 237-7328. After hours all (800} 856x878. 3. LfABRtrif POR tfNAUTNORQED USE - Ybu understand that your total AaltriRyr to tt-e Credl Urtfon aitaN not exeesd S80 for any card transaexiorts reettitirtg (rout fife {oss. Atstt a tutaulfarizad use d Cie card tt-at oexarrs prior b the time you giw nodoe to Cis CredR Uttiott. Such NabilRy dose not apply when fife card b used to make ef~ecirot'dc fund trsnefers. The Credit Union tteee Heard rteftwa~lts, wftfch by artfActal inbMipettce art recognize std alert ue to potendrtl haxfttisrtt trantacdons. These starts may tye,neests tnqulrisa about your ua of the card and firs apologize br ary Vtcornenietia tltls rtt3gttt t:ause. 4. t~'r LINE - H five approve your apprioaAOrt, Utrs wW eh. a aeA- repfsetiet+tng Lirte d Credit for you and rtottty you d Ct ,errtot=a wltsn we feria ~ euud.lbu agrw rtatto letthe aocatstt baleltCe etmeed tHa #~tw~d t t11te. Each: payment you tneb on till eoootxtt will ralore yen' CndR Ltts by>3fs amatM of tits paymsett whidt b appflrad b Cie prfrtcipet.lbu may tsgtrat an fntssese Ms ytxtt• tai tits ony by vNitta- eppleatbn b us, whbh moat bs approved by our oredt oornai or lean afpcac 9Y prirlrKi yott tNrRfett tatbe ws trtay redtxs your CredR LJne horn tone b tkrte, or whit good sues, reticles yota txtd std temtktafe thle Agneernenl. Moot! ease Gtdudes year fariure b oom~yr ttiith ihh Agroentent or any t%tter agresrttent t+ligh tra, ar otr adverse reevakradort d your credlworCtineBS. Vbu may also temtirtde this Agreemetii d arty tktte. but terrriinadon by efdtsr of us does not etfeex Your oblgaAon b pay the ecoourd balance.The arch remain our property and you must recover and surrsrtder b ue ail exreis upon otx request end tort temttnadori of this Agreement. S. CREfM INFt?itlltA'11tNd -You authorize us to tnvastipete your credit etandlrtg when opening, reviewing or reviewing your account, and you authorize us to disclose iniortnation regarding your account to credit bureaus and other creditors who inquire of us about your credit standing. 6. MONTHLY PAYMENT - We will mail you a statement every month stowing yot,< Previous Balances of purchases and cash advances, the current transactions on your atxourtt, the remaining credit available under your Credit Lino, the New Balartoes of purtCtases and cash advances, the Total New Balance, flit Fl aired. Charge due b date, and any otter blried fees, and the Minimum Payme req Every month you must pay at least the Minimum Payment widtkt 25 data of Your statemau daatng data. ey aparats agreement you may atthorize us to charge the minkrwm payment atrbmadcariy to your share or clteddng account with us.You may, of course. pay more frequently, pay more than the Minimum Payment. or Pay' the Total New Balatce in ful, and you will reduce the finance charge by ddng set. The rttinknum payment wW be (a) 2~ of your Total New Balance, rounded up a die nett even dolor, eu (b) 520.00, vrtiichever is greater. in addition, at arty time your Total against your credit Nmit. Yau do not have to pay any questioned amount while we are intresL'gating, but You are stilt ablicated to pay the parts of your statement that are not in question. It we find that we made a mistake cn your statement, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the tlata that it is duo. if you fail to pay the amount that we think you owe, we may report you as delinquent. However, it our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your statement. And, we must. tel you the name of anyone we reported you to. We moat tell anyone we report you to that the matter has been settled between us when R finally fs. if tNe don't follow these rules, vre can't txAlect the first 550 of the questioned amount, even A your statement was correct SPECIAL RULE FOR CREDIT CARD PURCHASES -- If you flaw a problem with fife quality. d property or services that You purtdtased with a credit card, and you ttaw trkd in good tafttt to oomct the problem with the ntercttartt. You may have the rigFtt riot to pay the ranairtirtg amount dos on the property or services. There are two rirnitttAOrts oft tf tie tight: (a1 Ybu rratst t-ttve trtade the purcttese in your trotrte state or, if not wittdrt your home stets, wdhh 100 rni'lea d your current mailing address; and (b} The purchase prir.~e must haw heart more than 550. Tltees furdtatbne e!o not apply M wa own or apsreta the merohant, a R ws mailed y~py Cis ~ for fife property or asrviose. __ New ealm~t alocaede your Cnedit t.ikte, you must Ym~tatletshr P®Y the sooceetr trpon ax dernsnd. tfW wit apply peyttwrtt: in fife ioMOwltq Ctebb itp~~ p C+ert b previan cash tdvatae Mena dtargss. then b ctxrertt late tees. then b pretriow ash edtrartoe balsnoe4 tltan b p~ttase pslertcxs in tits order that they were posted b your aexatxtt, then b txerent asft sdtisncs ttMartas, and then to extrrarrt ptrrettae9 baleutoes. 7. PNIANCE C}fARQEB -You cat avoid F•lnartoe Charge on punt by PaYktg the tut a-wurK d tits New Batartcs of Purdteses arch ntortttt wlCdrt 25 dsye d you afa6smartt dakg date. DCterwles, the New Eledertce d Purchases, std tits from the date they are posted bo 1 Cfterge Mom the ~' ~~ t~teh advances aro always subject date they ae posed b Your ac:couctt. Puratteeee: We calcttlats your', c~huary~sg ~ ~ ~ bi1~ cycle daly bdana (sae atplanatiort rate as disdosad ort taddendun-• oy ttts rrtortCty psrbdlc purer Catefi Adwnoes: We ala~lats your finance charge on exert advances by muRlplyktg tits average e~uetsd daiy baiartcs (sea exp ra) ~ cash advances during Cie biriUtg cytde by the mor-thy periods n Method wy~Qe ~ Ittr Purdtasss • The Average Defy t3alsneT, ~ TrartsecAorte is tztkxrlated by anddtat g dmbadaya let the bflkp earn day in 1M big cyob, cycle. To criaitele tine O1dy f3alerloli fa purdteess saerit day. rre talcs the ioMowing »~ take Afe ou4~art~f5alertas (ari amounts you awe) at Cie start d the days 'then. h fife srgtwtoe >n emotmts an posbd b yotx acootstt, ws add the amotrtts d aN debits and eubtr~lrf fife amounts d all exedMs ex payments wttktt poet to your .atxtount Ater. clay, After applylttg PaYr^enM ~ ~ Mre subbact Cie atrtourtt d any ttRpaid Ftltartoe Gtapee a Lake That fire oleo suf~trec:t the amottrd d anyt:`~elf t Adtdet~ trartt~orr tlud p~b Y~ aco°urx an tftat tky ar in ~, ~ in Cie ft~ ogde. Yfile ~ us the DeNy Balartos for pttrdtases. Dtsfy,INsfsncs Ax Cash Advarretas -Cash AWvanoe Transat~iOrts wf~Ctt aro Db ytxx tboautt rue riot ktdtxfied in the Average Deiriy Helena eekwlatlon to puroltases. std are therefore red subject b the montttlg periodic rate fix pttrchesea. Tits Ate pepy Balance fs cakxalatod separately for Cash Advatcsa and is sttelect b Calk Advance ntorttltty Periodic Rate. The Average Dally Belem to Cash TtenaatSione is a~tdatt~by ~~ ~ the rtumbs(i d~hdays~- tl~ia bilrm9 each day in tt-e ttEk+g cycb, cyGS. To aictriaU the Dally Balarx:e for cash each day. we take the following steps: in thee sequerx:eniGt arnountsaar posted to ~u~r at~unt, we add t demounts of all debits and subtract the amounts of ail credits or paymems which post to your account that day. After inpplying payments and credits, we subtract the amount of any unpaid Firtarx:e Charges or Late Charges. Then we also subtract the amount of arty purcttaee 'frartsacdons that posted io your accotrnt on that day or st any previous day in the billing cycle. This gives us die Deity Balance for Cash Advance ~ Tranaabons. Note; Cash Advances are slways suttJeet to finance charges and from the day they ors posted to Your account. payments are appped in the folowing manner. first to prrrviotrs late fnance previous cash advances finance charges, then to previous pu cttarges,lhen b exrrrent late fees, then to previous cash advance balances. then to previous purchase balances N the order that they were posted to your accotmt, then to current cash advance balances, and them to current purchase balariees. Credits are spelled first b the partictrtar type of debt whte~t is being credited, if any, and then b die balance of your account. VISA° CredJt Card Agreement and Truth Jn Lending DJscJosure (continued) Note also that ff the total of the payments and credits which are posted to your account b1l the Paymen! Due Date shown on a statement is equal to or exceeds the Nave Balance shown on that statement, we will net apply the Monthly Periodic Rate ro your Account on your next statement. 8. DEFAULT -You will t1@ in default if you fail to make any Minimum Payment within 25 days after your monthly statement closing date.You authorize us to transfer turtds sutfbiertt to make the minimum payment due ff your VISA ban is in defaue. You agree that vve may temporarily suspend Your ATM card access if your VISA payment is due for a period exceeding 30 days. You `wilt also be in default if your abiaty {o repay us is materially reduced by a change in your employment, an increase in your obligations, bankruptc)r or insolvency proceedings involving you,. your death or your failure ro abide by this Agreement, or ff the value of our security Interest materially decanes. We have the right to demand immediate payment of your lua aoootud txdanos H you defaue, subject to our giving you any notks required by law. Ta the extant permeted by law, you vela also be required to pay our collection , court costs and reasonable attomay tees. A Uti1NG THE CARD -- To mob a ptrrt;tta~ss or cash advance, diets are two aeemetive procedurp ro be tctibwed. One ~ for you to present the card to a participatlrg VISA Mart mercitara, ro u: or artotttsr ifrsrxaal institution, and sign the sales or csatt advance draft which vela be Imprimed with your card. The other is ro the trrnastxiort by using your Personal Idendibatlon Ntxnber (PIN) In oortjtttca0rt with ate card fn an Autorttated Telbr Machine or other type of electrmtic terminal tltat provklp acceeb to his VISA system.Ybu agree atat you will not use your card for any traneaCtlOn that b Illegal under applicable federal, state. or IoCal law. The mortWy stalemerK wIM identify the mercFtar-t, electronic terminal or finandat institution at vrltidt Vanecgors was made, but cab, cash advance. creditor otlter slips cannot bs rehurted wah 1M statsntent. You oval riebirt s~ +ent. T ~Credft u on array make of the Varsactfort in ordsrta verify the moMMy a remonebis cFSrge for phoLoCOpies of saps You may request. tfa: ~ ADJUSTMENTS --Merchants and others who honor the card r~ t crap vrhkfi two vela ppmo~t to your treat! and payn+excead wtst you owe us, rue vvMl ltdd and apply lids credit balance against future purchases and pah adwnep, or if tt b one doasr or more, refund it on your written request or ~. .r; .rr,...xr ~ti ~- 1 t. FOREIGN TRANSACTIONS -Purchases and cash advances made in foreign countries and loreign currencies will be billed to you in U.S. dollars. The conversion rate to dollars will be (i) the wholesale markal rate or (ii) the government-mandated rate, whichever is applicable, in effect one day prior to the processing date, increased by one percent. 12. PLAN MERCHANT DISPUTES - We are riot responsibia for the refusal Of arty plan merchant or financial institution to honor your card. We are subject to claims and i, defenses (other than tort claims) arising out o- goods and servicxs you purchase with the card only ff you have made a good fahh attempt, cwt tutus been unable to obtain saasiacaon from the plan merchant, end (a) yaw purchase was made in rem ~t an advertisement ws sent ar partidpeted in sending you, or (b) Y'~ Pct more titan 350 and was made from a plan merchant in your state or within erchant.s of your horse. Any oQter disputes you must resolve directly with the plan 13. SECURITY It+tTERE37 - To secure your account, you grant us a purchase money [security interest urxler the Uniform Commerdal Code in any goods You purchase through the account If you delsue, ws rviM have the right to recover any of these goods which ova Have not bean Pala for through our application ~ your payntertts in tits roamer described in the Mouthy Paym vpwt s~ ~ ff ~ an iron this account onix we wiA not assert any slatutory rivet default to prevent withdrawal of your unpledged crecs:t unpn shares (Deposes) below the unpaid baance of your aocasnt. However, it you give or haw given us a sp,ef,itb pledge of your exedit union ehsues (Deposes) by signtrtg the Pledge of Shares or otherwise. or any other security kstsrosb for $a your detNS, yon account will be secured by your pbdged shares (Deposits) and by the property described in those other security agreemerrte, except for your home. t4. EFFECT OF AGREEMENT - 7hls Agreement is the contract which applies ro aN transacaonc on your aaount even though 1M sales. cash advance, trade or other Sligo you sign or receive may contain different corms. We may amend the Agreement from tlme to time by sending You the advance written notice requked by law. Your use of file cad thereafter vvia indicate your agreemem to the ameredrtterns. To the extant the law permlb, and ire indicate in our rt~ece, amendntsnts wfa apPN to yew exletlng aooourlt balance s9 wee sa to future trertsscaorts. 16. LATE PAYtAENT CHARLIE - M Your Mleritttunt Payment is not paid wiatin 1 b days attar the Payrt>tlrtt Due Gate. You rral be wbjaet to a single charge at 5X of the minlmuns sdtsdttisd payment. 16 fAPY Ate.--1lbu advtortbdga ndPt of a Dopy d tlrb Agnantsrti. I1lONHY ACt.aEl~ CARD CJ1R~fHOLDER ARiRER -The Undaraigtted (You or yotar), h oorstdaratiort of THE PENNSYLVANUI STATE EMPLOYEES CREDIT UNION (~4 alit attd ~ ro you a MONEY ACCESS CARD, hereby agree m b* ~at~r rtlourtd by tats X>aarr tg tarns and ccrrditlotts. Wu agree that the teas of yp,~ MAC card(s) aaspfance of the tarots and cortdefons o1 this Agnsmertt, Vtw urtdenlartd dtisN MAC is a aedit-related servka and you auttwrtze PSECU to obteirt a aadR report on any vela d lids account. t. /loootatb and tips of MONEY ACCESS ~ Regular Shares). which rue set You tiara tits acoaatt{a) 1o~rrn r~irHtt ~b ant, YOU hereby r'squest titer we forth on ytxu a~ppacatlon fssw to you oils or mots MONEY ACCESS CARD(S) to bs used in connection vratr such ataoartp as deacrElsd N this AgremenR. Wu ttrdaratartd you may use the MONEY ACCESS CARD et a MONEY ACCESS i~NT'ER' b (1) wetxfravr cash from, (2) make or arrange for deposes in. (3) affect atusfare ro or Horn you aoraurK, (4) receive irttorrrtatbn regarding ilia balevxs b 'your acoocxtt(s) or (5) mob rstoA advances irorrt your credit aeootrr-t(s) in tits amounts You rsgtsept. You may oleo uea srrbrrtated least macttktea tltroagtwttl tlts United Sddis and in csrtaM loreign courrtriea wttidt bpi the PLUS SYSTEM' name and logo (1) to make wehdrawsls from, (2) sibct trwtsfere b or from, (3) rsceNa Inforn+stlon regardin0. the balettces In your g or Regular shares. K you have a Personal Serwce Loan approved and in pips, you [nay also make a cash advance from your PSL. You further wdsrstand you may use tits MONEY ACCESS CARD ro Purchwhere~MONFY servktas (`Ptuchsse? at any rates establishment ('Merchant? ACCESS CARDS ors accepted by such Merchant. H you use the MONEY ACCESS CARD to mob a Purchase to obain cash, ff permitted by the Metqunl, you Mid be requesting us to withdraw funds M the amount of such Pundtsae (irtdttdrng arty cash received hem the Merchant) from your Ctteddng Shares and diractlrg or ordering us ro pay such funds to the Merchant. llbu request that vve vial provide ro you suet[ osier services or acmeas ro other ATM systems or networks using the MONEY ACCESS CARD which we may later make ~ avaaaa>te end which we advise you tiro offered as connection weh Your arxxxatt(s) set forCt on yore applkk:atlon form. You oleo urderstand that from time to time you may requsat In vrratnp that ova provkb access W additional accounts of yours through the MONEY ACCESS CARO v+e haw issued to you. You agree that the uasa of the MONEY ACCESS CARD described in tide Agreement ahaa be subiect to this tubs and reguiatiors of each aocourd which b accessed by ouch Card. 2. Up of i>ersenal IdanUficatlon Number ("PIN")with MONEY ACCE36 CARD Ybts understand that a MONEY ACCESS CENTER or a PLUS SYSTEM ATM is err automated leper a can and will perform many of the same tasks as n human teller. You agotpwbdge that the Personal Identification Number or PIN which you use with tits MONEY ACCESS CARD is your signature, dentifies the bearer Of the Card to the MONEY ACCESS CENTER, PLUS SYSTEM ATM, ar other network ATM and authenticates and velidau and su ithenticategandnvialidate your actual signature and other proof kientiry yo dGerilors to s Matwt Iaaa:lRatt also ttr-datal~eM that a Matdsnt elecic the MONEY ACCESS CARD for a Purohasa trarteaclbrt may tsmt(nal (Maroharllt operMed or 3sa=Service) vdtidt requess the use of your PtN and rlAter- ytxu PIN (s used at ~t ~ ~ vats ~° ditectiors 8>~^ ~ >~ PIN ie an vapdste yew carsdbrts givsrt to trs. lbu adetovrbclgs a,at You- Iderttlficsaon txtda that is psreortai and eortfiderttial and that tM ue. of tM PIN with the MONEY ACCESS CARD is a sscteey devise for Your aoootxtt(e)• Therefore, YOU At#RF.E TO TAKE ALL REASONABLE PRECAIJTiONS THAT NO ONE ELSE !.EARNS YOUR PIN. S. t.leblllty for Unautharf:ed Tranaactfona You agree to contact us at once N You believe the MONEY ACCESS CAFiD(s) issued to you or PIN has been bat or stolen or money b missing from your aooocrrd(s).1'bu oleo agres- that ff your mor-Ittiy afadsmem shows traneaotlaa vvtticat You dd not stab, and You do not ewretact us wants 60 days afar the af•tsrrterrt rtes mooed to you. you may not get enY rnortey loaf albr that time. YOU AQREE THAT tFYOU ®IVE 4t)UR MONEY ACCF..SS CI1RD(s) and PINTO BEHALF AND YOU Wilt. 8E RESPONS1 Th~ ~ CJkRD(s) BY THEM.1tbu could bee aN yew money in tits aocotmt{a} If you tab n0 aelion ro sooty PSECU of the bas of your MONEY ACCESS CARD or PiN. safeguard y~r Peretxtal ~ Number (Pit+n. Do not tea or disclose yew PIN ro any other person. Oo not write your PIN on your MONEY ACCESS CARD. Do sat keep a written retard of your PIN near your MONEY ACCESS CARD. Do not choose a PIN that k essay Wemlfiabb. A new prd may be ordered rot you at that time and a "hokf wig be placed on your old Card. After such tarns, a you find your old card, destroy the old card by retained bIr the MOVE ACCE~S3 CENT R rPt~US SYSTEM® oar Ft0 OR ATM. 4. Charges You agree to pay a 50 Cent charge for oath deposit or withdrawal exceeding t 5 s month. You agree to pay the b0 cent penalty Charys on any cash disbursement trartsac:deon (loan advance or share withdrawal) that ~ bss than 520. You agree to pay a 2S cent charge on each balance inquiry. You spree to pay the charges or trensaCtlon fees rvhicit era charged by us for these servkres or for servicse which may later be ottered as ouch tees or charges may be imposed or charged from time ro time. Dsposks You agree that when you make a deposit at a MONEY ACCESS CENTER that we haw the right ro verity the depose before we make the money availabb ro you. If you deCnrer cash, checks or other ttems to a MONEY ACCESS CENTER, you understand and acknowledge N+at the laude tram your deposit may rwt tie available for immediate wehdrswal and that the availability d your deposN Shea depend on our rules and regulations regarding the particular ~oount in which you -_- Ffectronlc Fundy ltansfer fdAC Agreement and Regylatlon „F° Olsclosure (continued) are making a deposit, the items that you are depositing and whether the deposit is made at a MONEY ACCESS CENTER that is owned by us or ancther financial instftirtiori. You also understar-d and acknowledge that not all MONEY ACCESS CENTERs may accept deposits and some MONEY ACCESS CENTERS may limit the amount of hinds which may be deposited and we may not control these limits. 6. Liability If the MONEY ACCESS CARD is issued for a joint account, you agree to be jotr>,y and severally liable under the terms of this Agreement and the agreement for such account. `tbu agree that if you make deposits or payments to your account(s) with items outer than cash (checks, drafts or other items) and we make funds available to you from such deposits prior to their collection, you agree that we may deduct the amounts of such funds from your account(s) which are not vxipetdad or, M the funds in your account(s) are insufficient at such tlme, you wIN promptly pay to us ary amount of such Tunds which era not collected. 7. Amendment of this Agraemait You ogres that from Nme to time we may amend or change the terms of this agreement iriaudirig ameridmerits or changes to add further MONEY ACCESS CARD servioea or to amend or change the diargss for ttiass services. Vye may do so try rioafYirig you h1 vrrltirig of attcti amevidnanta or changes and your use of the MONEY ACCESS CARD aRer the etlectlw date of any such amendment or cdtangr shay constitute your atxeptancs of and agreement to such atnendrnent or change. 8. Ownership Vtw agree that the MONEY ACCESS CARD is our property and you will surrender lt b us upon our request. You agree that the MONEY ACCESS CARD is non-iran5lerrebte• 9. Dlsaost,res you hrreby adviowudge receipt of the diecbstrre statement informing you of your Aghts under the Electronic Funds Transfer Act and a rwpy of this Agreement REGUU4TION "E" Of8CLOSURE 1. Summary of Conrunier UabFUty • MAC, ACH and 8ST - TeN us at coca ff you bNievr your card ties been lost or staunTilsptiorarlg isthe best trey to keep your possible losers down. You could lost atf the ntortay in your a«aurit Pkrs your mazlrxirn ouerdraR ir» of OredK. If you beturr your card ties been bet or atoun, and you trN us MAtl1in two bitsl+ass days Mar you tram of the loss ar theft, You caul lose ra more than i5o if aonieane used your card wtlhout Yotx psrrnMtalon• ff you do not felt us vritllli two buvritlats days allot you lawn of the loss or theft of you card. and wr ten proveff we tied told us, You d~loss~ss mt+~- d S 00 card wittrout You parntiedon Y'~ Also, if year aalevnrnt aFiovvs trarisfsn that you did not make, teN us M orioe. ff you do riot tent w wUhln 80 days star ills ahttsrrisrit was rrtaNsO to you. you may not get bade any money You bet Misr flit 80 days a we can prove that we David have r1oPPb censors from tatdrig the money q you had told us in time. ff a good re~on such as a tong trip or a Noe~tai eta1+ kept You from taping us, we wit vadend the time periods. 2. Telephone Nurn6~ end Addrrp to Notify of Uriauthorized 7Fansfrrs • MAC • Contact PSECU at (800) 237'7928 or Money Access Servbe (MAC) at PSECU at ((~ x-7328 the next byaliese dsyr. ' then follow uP try contadkig • ACH trod SST - Contact PSECU at (800) 237-7328 (natlonwidq) or (71'7) 2 it.8484 (lt Harrlsburgl• or wrfa to us ~ painsyhrania Stab Employees CredR Union P.O. Bea 6!013 HaMsburg, PA 17106-7013 PSECU Huslness Hours 7:00 a.m. • 5:00 p.m. M - F 6:00 a.m. -Noon Saturday TDD (600) 472-1867 Nationwide (717) 777.2100 in Harrisburg 3. Finevielel Mstitudon's Hustness Days • MAG ACH and SST - PSECU's Business Days are Monday through Fflday, Hoidrys rat kx;ltixfed. 4. 'Types of f_Irctranic itarisfere a Consutiwr May Make • AIAC - 8aletior cash advance from P~SL., dep~its toy cheddn~savi~ chsckirigfsavllgs; purchase goods and services at any atxeptltg retail estebtstiment • ACN • Preauthorized detNts and credits to oheddng and savings. • SST - l3alltrice irlgirirue and transaction histories on cep share, certificate and loan accoixtts; transiers from airy share to another share or loan aocotuit from your Pet to arty stisre ar ban act~unt; wtttidrawafs hrxn arty share except IRA shares or certiftcetes. ~-- 5. Any Charges for Electronic Funds Transfers or for the Right to Make Transfers ' MAC - Fifry cents for each disbursement (;,ash advance or vvithdrawaq less than $20; fifty cents for each transaction over 15 per month, and a 25 cent charge on each balance inquiry. ' ACH - S20 service charge for insufficient :ands for each electronic transfer. • SST -none e. Summary of Conaumer'a Right to Receive Documentation of EFT's • MAC -You are entitled to receive a printed receipt at the time of each transaction. You will receive a monthly statement showing the status of your account, any transactions made durlig the month, and any penalties or charges PSECU may tmposr during the month. • ACH and SST-You will receive a monthly statement showing the status of guar account, any transactions made during the month, and arty penalties or charges PSECU may impose during the month. H you have arrar-god b hav0 a dived deposit made to yo~ act us at 800 237- every 80 days from the same Person or company, you ( ) 7928 to find out whether or not the deposh has been made. 7. Stop Payment pfyhb -Pre-euthorfzed transfer: • MAC std SST -Not epppcaWa • ACH .Right to Stop Payment and Provxduns for doing so. If you have told w in advance 1o make regular psymsnts out of your account, you can stop a^Y of tilsse payments• Here's flow. Call us at (800) 237-7328 (Nationwide) or (717) 23~-f3484 (i~arrisfwrg) or verbs tie at: Paruaylvania Stets Empbyees GYedit Unan, P.O. Box 87013, Harrisburg, PA 17108.7013. in tirr+e for u8 to tecNw your request three business days or more before die payment is scheduled to t1s made. If you cap, we may also require you to put your request in vrriting and gat lt to us within 14 days after you call. • Afo!!ce of Virylrrg Amounts. it these regular payments may vary In amourd, the I person you are going to pay wiY tap you. t0 days bemire each peyrtisnt, when lt wlp be made and taw rtiudi lt vvip t1s. You may choose instead to gel tilts ratite Doty when ttie payment would dlthr by more titan a certain turiotxit tram Uir pn3viotrs paymerif, or when file amount would fall outside Derain Nrtilts that you sat. • LfablfAtY for a to 8tgp ~rt of Aneutlton6oad7Fanalirrr. ff you order ,~ to ,skip one of illrte paynier-b thrrr binlieas days vu more brbra the trartaisr it eotiadiilad, and we rb oat do aq wr wig br Nsble 1a your losers or psymsflt wOf fn 14days and the trsnedsr tskea;+lros ~ ~dsys, a You fall ~ gWt• us proper iristntatioris that wot4d anat>tr us Do place the slop on the trsrutfer. S, Sturt:rarY d t11r Flnanrul Instltotlion'r Fellure to Delos or Shop CsraM TtrttrfN's • AfAC - M PSECU laps b aompld0s a traneactlott 0n floe or h Bice correct amoiirrt, vrhert pfoparty kistrtw~d by 710++, PSECU vvE be Nsbie far drmages cattesd by our faikrro unless: (1) there ere liauffidsrit furxle in your ecoourit to otxnpisla dir trarister (2) Jtir finds in your acaoixit are uriooMeobsd; t3j file funds are sut$sct tc Isgat process: (4) the trarisadlon you rstpa,dt vv0uid rxceed the ktrtds h your acootrM Plus any avaNabu overdraft protevxiori: (5) the Morley Access CerMer, PLUS. system or HONOR /ffftil tree ltsvrf6dertt cash Eo compute ttia lreneecdori; (8) ygtx ruird has brert reported lost or stouri and You are usl+g the reported cat+d; t~ PSECU ties reason to belie-+e that the ti'ertsectlori rettttrsled is unatdtiorizsd: (8) the failure u due to an equipment breakdown ttatt you kraw about when You started the eraraactiori at tt» Morley Aocrss Caviler, PLUS System tx HONOR ATM: (9) tlis faf>tu~e was caused by an acct of f3od, fire, or other v~tastxoptir. or by any other aeuse 1lsyorld control; (10) H You attempt to compka a trarisacNori filet, at a Money Aacess CeviUr, PLUS System or HONOR ATM, or rrirrtaisrlt temtinai that h not a pervrtuaibla trerosrlfon fisad above; or, (11) the tranardbn vraild exceed the ssourfly prnitations an ttte use of your Money Access Card. • ACH acrd SST - if PSECU falu to e a transactor an time or in the correct amount, when proprriy irisittxxed by you, PSECU vrip W IVabu for denvipes caused by our ia8ure unuaa: (1) there are irroufficieM funds in your acc0txit to complete the transur, (2) the funds in your account are uncoaec! ua3) the are subject to bgat process; (4) the trsnsaetbn you requ funds fn your acx;ourit plus any available overdraft rasdlq (5) PSECU has reason to believe that the transaction requested is unauthorized; (6) the failure was caused by an act of dod, fire, or other catastrophe, or by another cause beyond control. In any case, PSECU shall be Noble for aduM proven damages t the taptrne to make the transaction resulted from a bona fide error despes PSECU's procedures to avo[d such errors. 9. Disclosure to Th1rd Parties • MAC, ACH and SS7 -PSECU wip disclose Yrbrniation atwut Your accaxit to third parties: (1) when lt is necessary to complete traraactoris; (2) to verify ttie existence and staridlig of your aocamt wAh PSECU upon request of third party, such as a credit bureau; (3) t0 compN wlth governmem e9an~' or court orders; (4) in aooadarice with your written permission; (5) to comply with government or admliistretfve agency summonses, subpoenas, or court orders; (6) on recut of certixcation from a Federal Agsticy or deparbnerit that a request for l-fonnaton is in compl',arice with the Right to Financial Privacy Act of 1978; end (7) when lt is necessary to take legal action to recover shares. ~~tronic Fytllils Transfer MAC Agreement af>~.Rgg"tattoo "E" Disclosure (continued) O.MONEY ACCESS CENTER Services MAC Only • Yov may use your MONEY ACCESS CARD with your Personal Identificatbn Number (PIN) at MONEY ACCESS CENTERS bated in Delaware. Maryland New Jersey and PennsyManiaMONEY ACCESS CARD.iawing transactions for the accounts accessed by you a) Determine the atxoktnt balance(s) of your Checking your Regular Shares, and your Personal Service Loan (PSL). b)1Krthdraw cash from your Checking and your Regular Shares. c) Make a cash advance hom your Personal Service Loan (PSL). d) Deposit ctxrency, checks, or drafts ( are not acceptable) for transmission to PSECU for deposit in your Chaddng and your Regular Shares. NOTE; There are limited locations in Maryland where deposits may be rttade. We wish to inform you that Sortie MONEY ACCESS CENTERS -ocated in these areas may only Provide access to your Chedking, your Regular Shares, and your Personal Service Loan. Not ail MONEY ACCESS CENTERS may accept deposits. There may also be Nrrths on the amount of funds which you may deposit in certain MONEY ACCESS CENTERS. 11. PLUS SYSTEM' Ssrvkwe • MAC Only • You may use your MONEY ACCESS CARD with your Persona! IdertGficatkzt Number (PIN) at any PLUS SYSTEM automated teger machine (PLUS SYSTEM ATM) located Uwotrgttout the Urided States, Pub ~ Csrtada, f3rsst Britaaln and JapanMONEY ~t E33 CARS tFw accounts accessed by your a) DetermiM the aocotxtt balance(s) of your Cheddng, your Regular Shares, and your Personal Sertrbs Loan (PSL}. b} tNitltdraw cash from your Cttscdrtg aril You Rsguier Shares. c) Make a cash. advartas from late Personal > loan (PSI.). fig; are rqc evaAeteie ytrougtt PLUS SYSTEM ATMs. These an fhe MONEY ACCESS CENTER services ~~ ina~~e the PLUS SYSTEM ttattM4At. Other servlcsa tttay Sstvtcaa our MONEY ACCESS CARD. The number of attempts that result in machine retention is not revealed for security purposes. 6. Error Resolution Procedures MAC, ACH and SST - In case of errors or 4uestions about your transactions: Direct inquiries to PSECU at (800) 237.7324 Nationwide, TDD (B00) 472.7967 Nationwide, (717) 777-2100 in Harrisburg, or write PSECU at: Pennsyhiartia State EmpbyseS Credit Union, P.O. Box 87013, Harrisburg, PA 17106-7013, as soon as you can if you think your statement or receiyi is wrong, or H you need more information about a transaceort listed on the statement or receipt PSECU must hear from you no later than 130 days alter it sent you the first statement on which the problem or ercor appearad.lbu must provide the lonowing information: (a) Your name, account number, and MONEY ACCESS CARD number (if a MAC transaction). or reference number (if Self-service Telephone TFaneaction): (b) Deskxibe the error or the transaction you are unsure a ~ ~ ire~xpiai tio~n clearly as you can why YW ~~ it is an error or why you and: (c) The dollar amount of the suspected error. if you lay PSECU orally, you mast send Your complaint or quaction in writing within t0 birsktess days. PSECU wiq tell you the results of the Investigation within 10 business days for MONEY ACCESS CENTER, PLUS SYSTEM, HONOR SYSTEM, SELFSERVICE TELEPHONE, or DIRECT DEBIT/CREDIT TRANSACTIONS, or 20 days tot MONEY ACCESS CENTER purchase transactions. K we need more time, however, we may take up to 45 days for MONEY ACCESS CENTER, PLUS SYSTEM, HONOR SYSTEM, SELF- SERViCE TELEPHONE, or DIRECT DEBITACREDIT TRANSAi;T10NS or tl0 days for MONEY ACCESS CENTER purchase trartsarxlons. If PSECU derides to do this. R wtu ractedk Y'a+r aunt vuithkt 10 buarasss days for tits amount you think is in error E it >s a MONEY ACCESS CENTER. PLUS SYSTEM, HONOR SYSTEM, SELF-SERVICtr TELEPHONE, ar DIRECT OEBITICREDiT transaCtbn. or 20 biMirrwa dEiya E K is a MONEY ACCESS CENTER purthase transaotiort. You witl has the arts of the rrtoney durk+g the time k takes to oDmpNte 91s ytyn. N PSECU doss not receive Your complaint or t~usation bt .tktNlftp tir4ttMt 10 btrsktaas days, PSECU may not roaada your atxotatt. N P$~Et:U dsddps fitetrs M nit error, you txiN bs adored tuitltkt three business ~ tiAisrlfla kttrsttlQdart is ccrrtpbted,You r-+aY adcfa copies of tits dofnuttsrtla PSECU uaad:tn iM Yt!vastips~• M PSECU oredls your sa:ount y~ ypahq, you tteutrepay those ftrtda H PSECU conduds~s ito error Ties occurrod. NotloaTo Caraatmsrs tlsltrn ATM's • Be alert to your surroundings. ff You doubt the safety of a partiwtar location, cttaaee artottter i1TiM. • It the Atbt hoe an entry door, close tM door Prior to initiating. you Uanaaetton. • Put your cetsh away irrtmsc6aiety. • Direct oompialrxa cartcsrnktg ATM sscurky to an appropriate dsparhnsnt of the owner d qts Al'M. Haw Jarny raaldsnts: you may till the New Jersey DeparinterM of Banking at (00!>n 282-72• t2, HONOR' System • MAC pnhr • You may uas your MONEY ACCESS CARD wUh your Personal ldsrdifl~n Number (PiN) at any HONOR automated fetter machine (HONOR ~) lopded throughout Ftoride end outer ere6rs where there are HONOR ATMs The fottav transacdotts t~Y be d0^a on the aa:amts accessed by your MONEY ACC SS CARD, ur R ular Shares. a) Determine the accotmt balance(s) of Your Checking, Yo e9 end your Persortai Service Loan lPSI-)• r Shares. b) Vyitttdrtn~r cash from your Cheddng and yon Repute c) Maks a cash advance from your Personal Service Loan (PSL). NOTE: Depoaua aro not avaNeble tlxaugh HONOR SYSTEM ATMs. These an tt» MONEY ACCESS CENTER servkxtati ~ ~ttNa. the HONOR SYSTEM network OU-sr services may 13, Otf+er ATM Mattsortt Aoeses vrrlft other ATM MAC Only -From time to time, PSECU may make arrangentetNs rtstvrorke to grant access to MONEY ACCESS CARDS. PSECU shad Inform you tirf>an skrch arranger, ~ aFso ~ ~. the servkes that a» available to you. Any d>argee , 14. Purcftass Transrsetbrrswtd • M,{C prt/y -lfou tray use the MONEY ACCESS CARD top ~re~MONEY services ('Purchase'} at arty retail astablishnta+tt (•#Aea~utt") of eh each ACCESS CARDS are accepted by such Me-ct>ant. Tf>s amount Purchases wHl bs deducted from your . HVhen you make a Purohass using fife MONEY ACCESS CARD, you w81 be requasttrtg PSECU to vMtltdrew funds from your Checting let the amount of the Purchase and directing P5EGU to pay mess funds to such Msrdtanl 15. Limitatbns on the Uas of your MONEY ACCESS CARD • MAC only -vbu may withdraw uP to 5500 per day tram one or a ccrrtbination of your accounts by usir-9 a M~+tEY ACCESS CARD provided the ftRtds are avaitade at a MONt•Y ACCESS CENTER, PLUS SYSTEM or HONOR Systirn ATM. In addition, you may wHttdraw/purchass trp to p5mft0at nr~timsutl the locations. PSECU reserves fife right to reduce this deity evert tftat your deity Ifmi! b less than 5500, PSECU wiq advise you of the crew Ilmilation. The day for withdrawal tenits starts at 12 midnight sash day and ends at t2 midnight the nazi day. For security purpoaaa, there ors also Certain deity IUnitatiorta on the trequenq of use of the MONEY ACCESS CARD. H~owevsr, these limitations are not revealed for security reasons. The PennsyNan' Employees Credit Union is not obliged to maintain such limitations. You wYl be denied use of your MONEY ACCESS CARD if you exceed the daily wNhdrewaUpurchase limit, ii you do not have adequate funds available in your account, do not enter the correct Personal Identification Number (PIN), a exceed the frequency of usage IimitaCton. The receipt provided blr the MONEY ACCESS CENTER, PLUS SYSTEM, or HONOR System ATM. or Merchant terminal will notify you of the denial. There is a limit on the number of such dentate permitted. Attempts to exceed the limit will result in machine retention of For tttoae msm (~s 3s ieviow the ?Ollatn FTC Notice's DR1V Program, p • ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AQAtNST THE SELLER OF t300p5 OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF RECOVERY HEREUNDER BY THE DEBTOR 31iALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. o ~_~ ~ '~ L Q. ~~ ~~ Q~+• ~ A W'° ~~ w .y S ro ~, H a Q r3 W ~~ ~~ ~N ~ ~ ~ ~~g ~ ~ m V _V ~~~ ~ Na • ~ A .~! a a ~ o ~~ ~ _~ .o w ~~ a .~_~ z w y Y C w ~ •~ ~ "s O LL P ~ a °~ U ~$~ wt ~ ~~ d~ N W~ N V`1 s LLo ~~ s ~ ~~ ~ ~ 's ~ c ~ ~~ ~ ~ m m ~~ ~ ~ ~~~ ~~~ o ~3t c ; 7..F g Y m ~ a c ~ ~ ~ ~ ~ c a a ~~~~~~ ~~g~w J ~ ~.~ ~ ~$~ ~~~ •~ 1i a ~ ~ a ~a ~'~ m ~~~~~ .g ~~ g~`s~ ~ ~ o$ ~~$ ~~-~~~~~ ~ .~ ~~ W ~r:3 =x ~~ w ~~~ ~~ J ~ ~ ~~$~ ~~ ~~ d Z .~~ a~ w ~ ~~ 0 ~ _: ~ M ~ L W ~ w M ~ ~$s~~a m DoE ~ .~ ~ ~~ Ee N ~ rj N ~ ~ ~ ~_ $ gE .. g L P «~ ~ 9 ~ LL$ ~ x O 3 6 ; E 6 ~n 8 ~ 2R ~ L ,~ ~w c pw av ~2~~ O c S 6 F- 5,'..e~ g~ ~,~ 0~ 7 w D n e w s c~U N o ~~aV w J~$;; E ~ 8~~~~~$~g~~~~siZg a 6/ 9 T i~ ~ ~ ~ ~ = Nu ~~ E~cN ~ ~8~~ a ~~ ~ N ~ $ ~ ~~w ,~ 8$888888888Q88QQ$8Q8¢8Q8Q8Q8 ~~ y 88pQpQ8pQ8pp88QQZ52S~l5826,75~~ Y~ w V~ ~~ ~ F~ ~' O ~ ,~ O'O O O O G{ O O O C "S A' O A ~0 1f~ f Pl N g~17 GG 'L w !yi W Or.O ~ ~qN'O .,N. ~" ~` ~ 3 ,,. 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Y ~ ~ T a C ~ 1~ ~~~~,~a ~ ~~~ ~ pp O T ~ > 8 « N ~ N O w ~~o~~' ~ ~.~~w S~g~ ~ ~ ~ o ~~^ N d R ~ ~ N $ r p C `~ C~'w~ ~, w > K a X ~i w o w ~+ ~ ~$ a s pnw ~~ ~ ~i ~i ~~~ « c~ L C O /0 A H M U 1ca~~~c d ~L.SR~ .o op 9~ ~ ~ d~~ r ~ ~ C~~..... ~' ~ ~ b :.~ . SHERIFF'S RETURN - REGULAR CASE NO: 2007-05459 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PENNSYLVANIA STATE EMPLOYEES VS CAUDILL SHERRIE J STEPHEN BENDER Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon CAUDILL SHERRIE J the DEFENDANT at 1330:00 HOURS, on the 28th day of September, 2007 at 313 CHARLES ROAD MECHANICSBURG, PA 17050-3004 by handing to JACOB CAUDILL SON 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 18.00 Service / 10.56 Af f idavgt o 9 (py ~ / . 0 0 Surchar e t 10.00 OX.6 . 0 0 38.56 Sworn and Subscibed to before me this day So Answers: R. Thomas Kline 10/01/2007 VAN ECK & VAN ECK By: eputy Sheriff of A.D.