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07-5484
%• IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES NO. b7 _ 5~t S y ~ iv i ~ (erm CREDIT UNION, Plaintiff vs. ANGELA J. CONNACHER 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 are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims 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 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 OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. lF 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 Sotuh Bedford Ct. Cazlisle, PA 17013 1-800-990-9108 (717)249-3166 Document #: 180057.1 EN LA CORTE DE ALEGATOS COM iJN DEL CONDADO DE CUMBERLAND, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff NO. vs. ANGELA J.CONNACHER 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 demanda puestas en las siguientes paginas, usted tienen que tomaz acci6n dentro veinte (20) dfas despu~s que esta Demanda y Aviso es servido, con entrando por escrito una apazencia personalmente o por un abogado y archivando por escrito con la Corte sus defenses o objeciones a las demandas puestas en contra usted. Usted es advertido que si fella de hacerlo el caso puede proceder sin usted y un jazgazniento puede ser entrado contra usted por la Corte sin mks aviso por cualquier dinero reclamado en la Demanda 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 INFORMACIbN DE CbMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGARLE A UN ABOGADO PUEDE PROVEERE INFORMACI~N ACERCA AGENCIAS OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ REDUCIDO O GRATIS. Cumberland County Bar Association 32 Sotuh Bedford Ct. Cazlisle, PA 17013 1-800-990-9108 (717)249-3166 ESTA OFICINA QUE PUEDAN UN HONORARIO D~~nr #: ~aoos~.~ . IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff vs. ANGELA J. CONNACHER Defendant NO. D ~ SyBy C.,uK-P ~i~- 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, Angela J. Connacher, is an adult individual with a last known address of 2509 Wazeen Way, Mechanicsburg, PA 17050-7269. 3. Defendant is, and at all relevant time material hereto has been, the primary loan applicant. COUNTI BREACH OF CONTRACT-VISA LOAN 4. Paragraphs 1 through 3 aze hereby incorporated as if more fully set forth. 5. Defendant applied to Plaintiff for a Visa loan. A true and correct copy of said application is attached hereto, incorporated herein and mazked as Exhibit "A". 6. The application submitted by Defendant was approved by Plaintiff. Document #: 180057.1 7. Pursuant to the loan application mazked as Exhibit "A", Defendant agreed to the terms and conditions of the extension of credit as set forth in the Loanliner Credit and Security Agreement (hereinafter referred to as "Contract"). A true and correct copy of the Loanliner Credit and Security Agreement is attached hereto, incorporated herein and mazked as Exhibit «B„ 8. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms and conditions of the Contract marked as Exhibit "B". 9. Various chazges and payments were made by Defendant on the account. 10. Defendant has defaulted on the loan by failing to make timely and regular payments. 11. The last payment made by Defendant was on November 9, 2006. 12. Defendant is required under the contract to make regulaz and timely payments. 13. Plaintiff has maintained a statement of account keeping an accurate and running amount of debits and credits made on Defendant's account. 14. Plaintiff has submitted to Defendant a copy of the statement of account accurately showing all debits and credits for transactions with Defendant. 15. Defendant has not objected to any of the monthly statements of account submitted by Plaintiff to Defendant. 16. Despite Plaintiff's reasonable and repeated demands for payment, Defendant has failed, refused and continue to refuse to pay all sums due and owing on Defendant's loan account balance, all to the damage of Plaintiff. Document #: 180057.7 17. As of September 7, 2007, the balance due, owing and unpaid on Defendant's loan account with Plaintiff is the sum of Three Thousand Seven Hundred Seventy-OneDollazs and 89/100 ($3,771.89). 18. Pursuant to the terms and conditions of the extension of credit contained in the Contract, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest chazge on the principal loan balance. 19. 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 Thousand Seven Hundred Seventy-Nine Dollars and 37/100 ($779.37) have been added to the account. 20. Any and all conditions precedent to the bringing of this action has been performed by Plaintiff. 21. 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 Defendant, Angela J. Connacher, in the amount of Four Thousand Five Hundred Fifly-One Dollars and 26/100 ($4,551.26), plus interest, the costs of this action, and such other relief as the Court deems just and proper. COUNT II BREACH OF CONTRACT-SIGNATURE LOAN 22. Paragraphs 1 through 21 aze hereby incorporated as if more fully set forth. 23. Defendant applied to Plaintiff for a Signature loan. A true and correct copy of said application is attached hereto, incorporated herein and mazked as Exhibit "C". Document #: 180057.1 24. The application submitted by Defendant was approved by Plaintiff. 25. Pursuant to the loan application mazked as Exhibit "C", Defendant agreed to the terms and conditions of the extension of credit as set forth in the Loanliner Credit and Security Agreement (hereinafter referred to as "Contract"). A true and correct copy of the Loanliner Credit and Security Agreement is attached hereto, incorporated herein and mazked as Exhibit «D» 26. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms and conditions of the Contract marked as Exhibit "D". 27. Various chazges and payments were made by Defendant on the account. 28. Defendant has defaulted on the loan by failing to make timely and regulaz payments. 29. The last payment made by Defendant was on April 10, 2007. 30. Defendant is required under the contract to make regulaz and timely payments. 31. Plaintiff has maintained a statement of account keeping an accurate and running amount of debits and credits made on Defendant's account. 32. Plaintiff has submitted to Defendant a copy of the statement of account accurately showing all debits and credits for transactions with Defendant. 33. Defendant has not objected to any of the monthly statements of account submitted by Plaintiff to Defendant. 34. 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 balance, all to the damage of Plaintiff. Decument #: 180057.7 35. As of September 7, 2007, the balance due, owing and unpaid on Defendant's loan account with Plaintiff is the sum of Eight Thousand Four Hundred Ninety-Two Dollars and 93/100 ($8,492.93). 36. Pursuant to the terms and conditions of the extension of credit contained in the Contract, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest charge on the principal loan balance. 37. Due to the default of the Defendant and pursuant to the terms and conditions of the Contract attached as Exhibit "D", attorney's fees in the total amount of One Thousand Six Hundred Ninety-Eight Dollars and 58/100 ($1,698.58) have been added to the account. 38. Any and all conditions precedent to the bringing of this action has been performed by Plaintiff. 39. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. Document #: 180057.1 WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, respectfully requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant, Angela J. Connacher, in the amount of Ten Thousand One Hundred Ninety-One Dollars and 51/100 ($10,191.51), 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. a By: ,, 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 By. ~ ~:. Title: ~ ~~ G~~ u u S /~ 6-2 Date:_ ~~ I f3 ~b7 Document #: 180057.1 EXHIBIT «A„ Loan Ynformation Approval Amount: $3,500.00 Applicant: ANC#BLA J CONNACHBR VISA ACTIVATIC May 7, 2004 MAY ,~ ~ 2404 Account # : 8401864379 Home Telephone # : (717) 730-2020 Ref# : 383997 598 ,any SS # : 187-58-9587 1~ 1~'~~ Work Telephone # : (717) 787-5699 I acknowledge receipt of the PSBCU tOANLINER Disclosure and Credit Agreament and agree to be bound by the t set forth in said agreement. `s 5 11 Signature of E4A ACHBR Date • I would like an immediate VISA advance of $ .Propose: Send a ^ check, or ^ deposit to my Share 4 • You Est select your VISA loan transaction repayment option. ^ Transfer on Pay Day (select one}: ^ mm~imum amount ^ alternate payment amount of $ ^ 'lYanafer Automatically on the 25th of each month (select one}: ^ minimum amount ^ alternate payment amount of $ ^ previous month's balance ~I Mail a payment monthly by the 25th. • You may have one additional card issued on your VISA account. Indicate your choice below: ^ Plase issue am addit~nai card in the ruurro bebw. I suthotizo himit~ar to use it ~d I accept t4U responsibility for all dmrgat and/or cash advances just as though I trade t>am. Authorized card holders tray not orderreplacetttatt cards or oblatn PISA account information (i.a detailed traraections, batance information, payment aetivityj. ANOS[A J COAiNACHBR moat aipt below. Name of Authorized Card Holder Signature o[ AN(3BLA J CONNACHI3R • Select your Personal Identification Number for your VISA card 3ekct a P1rI that is not early idmttitied with you, and write your P1N in the spaces provided. PSHCU does not keep your P1N on Sic. Please do not use the latter Q ar Z os part ofyoar PIN Ahroy do not use the followhtg cambimatlona of aurtrbaa: 0000 through 0009 or 99.99. SCANNED :.; .; ... .. •.i .,b •••• •i~••:k, ~iidetyirifi~~:~E~i<f[+E~kl~[a:%38399X:~:~:::'raiii:: 1~:oflssiii~cl::~i~~~~~:::i:~::;::i:::•'•:::::~:: ': .. .... ... Pp ...•.. .:.:.:.:..::.:.:.:...... ANG~~A. 1 58. 587.1 :::::::::::::::::::::;:::::::::::::::•::: ....................:.: :$alie~i.Av4licaN .CANNAGHER d f •87- -9• ................................... ....:.:.:.:..... .:.:.:.:..::.:..::.:.:.:..:..:.::.::::::: ............................. .... . .:.:..::.:. ............ • ' • • • • • • • ' ' ' ' • • • • • • • "' • ~:ecr~ioli::' Aoorove by S vstem on 05/061200415: 21:14 .:.:.:..:.::.:.:.:.:..::.:.:..::.:..:.::.:..:. .: ...................................... .t~~ratt:`at~rus; ..: .................... ..... c xe.....:::•::•::•::•:::•::•:::::::•::•:::•:::•::::::•::•::: ~•~ ~:::•::::•::::•::•::::•::::::•::•::::::•: Application Received: 05!06/2004':; Time Received 03:20 PM ~~•~~ Application ID: 383997 Branch: IMPORT: ~ ...................... .... .. ~ ~:~ ~Reta,~~,s:` Source: Sorce of Repayment: Secondary Source of Repayment: Product: 311 •'r: Cross Ref #: :::•r. :• CC : Credo Card - Vsa (1 J :• Application Loan Type: Regular :;« Preapproval7; Ri~s:- ------ ur ose: .............................................. P Unsectued loan.- Purchases;;• ::::::::::::::::::::•::::::::•::•::•::::::•::::•:: Unseaxed loan -Debt ConsoGdation::•::•:: ~:~ :•::•::•::•::•::•::•: ~::•::•::•:::•:: lJ ruecured ban - Personak :~: ~~ ~~ : ~ ~:::::::;::;: ~~~ :~: ~ ~: ~: ~~~ :~::::::::': ...............:................................. ...... ............... Unsecured ban -Refinance::::::::•::::::• :::::::::::::::::>::::::::•:::::: Specific Use of Proceedr :.....:...........:........:..................:.............................:...............................: .. .. ................... .. . • :Share Application Information?: Credo Bureau: E n ••~ ~ .. .... ...... .... . ........... a:i.: ~ :.................................... Title Fist Middle Last ...... Name: :" NGELA ........ ......... ;.. ~• ........ ..:......... NNACHER ..:.::.: :.:. •~ Birttr Date: !1975; is i SSN: 187-56.9587:; ~ :~•~:~?4~SWp':;.~ Total Number of People in Household: a :t~„.4M~i:t.Ij/;iA. Citizerrahip: ~US CiG'zen ~~ Borrower Type: jAppGcant :•~:: Spouse of Borrower. No ~:w ~.:~.~ Marit~ Status: ~~ ~~~~~ ~~ Mother's Maiden Name: ~,...... ~ CB PIN: EmarT NNA@COMCAST.NET•;:;;•;~;~;;•;;; AKA/FKA: ::~• ...... ...... ............ :Foreign Address:: Apt !Bldg /Unit ................ .... "'"'"`~""'~"~' Number DK Street Name Drc_ Type Type Number • Standard 604 :;:: ~-~~~.~ ~OUISA LN ~ ~~ ~ ......~7 +.. . '. Rural Route RoutelMiStary Type: i""""'""'`?;~ Ntxnber: ~ Box: ••~"~••~' •••~•~~••••. •.••. 4............ ~ PO Box ~ PO BOx:~'.....'.....'.:::.~:,':::::;:::: : nv{..,.. ~.........._._...._.~,~ .......... Cwt ~~ ~` .........................-«i•i:L ...... Lined .. ........ :i; City. MECHANICSBURG•• . ,•.. State: pA w~ Zip: 17050 -• 2473 Provinces •:: ................. . .: Country .:.:.::.:.:.:.:.: Postal Code: Phone: 7J 730.2020:: Ext: 0 Residential Status: ~ Rents "-""" ~ --'.'.~~' Time at Address: ~yra ~ mtha Cellular. J- :Phone number,verified.:::•.:•: Address verfied.::~~:~:::~::~:: :Applicant's madiriQ, address~is the sanie~as the•current eddress.::• Collect Previous Address Information. Underwritin~Review 7/17/2007 9:47am - Page l of 7 Position:CLERKTYPIST2 '••'•UnemplStudentlHomemaker • • • • • • • • • • • • • • • • • • • • ;:Active duty military member; Employer Name: COMM OF PA Phone: (717) 787.5699;:: Ext: City: ~ ~ ~ ~'~ ~'~ ~ ~ `~ ~'• ~•~ ~ State: ~ ~ Verification Phone: (J :; ;::`• .. orrower Code: <Non•Employee Loan ..:. ;.:~ Time at Pres. Employer: ayrs 0 mths Income: Gross Salary: :65000.00 Pay_Basis:.. ~: Proof of incane received.:: o ......................... E.... 4Annually-- ~~ ' ' • • • l ~: .... mp yment verified. : OTlBonus/CarxrC ::0.00 ~Anrnially.......~ ~Income•ver~ied.:.....•,,,.... . • ' • • . • ... , Other Income: ':3600.00 . .............. ~ Annually .......~ Source: Chid S uppat : ......... .................... AFmony, chid support & separate maintenance income need not be revealed f you do not wish to have it considered. ~:Colect Previous Employrrrerrt Information;:;:::;: Credrla Account Number P nt Balance T pe Last Act Date PO Estimated P t 70 3500 R • 600 0 H chid text adored 0 0 CC VISA 4104130008961361 30 733 R 04!2004 CAPITAL ONE BANK 529115211932 15 490 R 04!2004 CAPITAL ONE BANK 486236239244 15 285 R 04/2004 KOHLS 034667770152 10 97 R 04!2004 FlRST PREMIER BANK 4610078460967540 20 472 R 04124 SLSGKEYSTONE REWARDS 187599.58700001 50 704 I 04/2001 SLSClKEYSTONE REWARDS 18758958700002 27 1154 I 04!2001 .; .~ .;'i''~::~' :::: ~.: ~:: ~.: ~. s.: u:::: S1 Debt Ratio: ::;:13 LC Debt Raba ;:::::1 ~ S1 Proj Debt Ratio: ;::;::15 Original Application Factors used in Automated Decisioniny Housing Pmt :;: ;::;:6.00 Other Expenses: ;:; Total MonthlyAdF LC Proj Debt Ratio : : 12 Current Application Factars beep ut~zed by Urderwrr~er Housing Pmt ~~~ Other Expenses: ;::.~ ` :; Total MonthlyAdF ;:: ~ LC Proj Debt Ratio: ;::;::12 Masth~yr Income Summary Gross Income: ;:: : : : :;5417' + OT/BonuslConrnission: ;'•. •:;'•~'•.;:•0~ + Other Income: ....; :30 = Individual Total Income : ::::::::: ::::5717: Combined Income : ::: ::::::::: :571 ~::;::~:::«.:ua.~.:ua ,:,.:u.e.:~.~.:~..:.:t.:~. Ratios Revolving Debt Housing Debt :;::1Q Total Revolving Lino: ;:: 123 Net Disposable Debt ;::;::;:13 ~~ :~11:~t=G~G~:'~~ Total S1 Pmts: '~~ Application Loan Pmt: ;:. :0• Total LC Pmts: :90 Appicatiar Loan Pmt: Total LC Pmts: :_ 90 Residual Incase Summary Total Income: :;:: : :;5717' - ResidualAdf: • T otal AN Pmts : :::::::::::::::837: =Net Residual Inc: ;:::: : ;4880 Net Disposable Income: '•.,''•. •:,'~~'~.;~'~.'~.;'•y'•.,•4957' iJnderwritin~Review 7/17/2007 9:47am -Page 2 of 7 Product: CC -Credit Card • Visa (1 J ~ ~ ~~~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ :: # of Payments: Payment Period: ~ Total Amount Financed: ' :3500:00' Total Collateral Value: ;;:; ;::;:::;:0.00' Combined LTV: '•',i'~;':?;':':;':~•:;':':;E':0'~. Estimated Payment: ; ?; 70.00' Total Debt with Us: ;:: :;::::3500:00; Current System DecisionlRecommendation: Approva:;;;:;:~:;;;:; :..:.:.::.:.:.:.:.:.:.:.:.:.:.:.:.:.:.:.:.:.:.:.:.:.:.:.:.:.:....:..:.:.:.:.:.:.:.:.:.:.:.:.:..::.:.:.:.. . :.:..::.:..::.:.:.:.:.:.:.:.:.:.:.:.:.:.:.:.:.:.:.:...:.:..:.::.:.:..::.:.:.:.:.:.:.:.:.:.:.:.:.:.:..:.::.....:.:.:.: :~•: ..................................................................................................................... :.:.:.:.:.:.:.:.:.:.:.:.:.:.:.:.:.:.:.:.:.:.:.:.:.:..::.:..::.. . .........::.: .......... ..:.:.:.:.:.:.:..::.:.:.:.:.:..::.:.:..::..::.:.:.:.:.:.:.:.:.: ..................................................................................................................... ::~ 3:~: Credo Lie Selection None ......~ Plan ~ ........................................................................... . Disabiity Selection: ~~ ......~ Plarx ~ .................................................................................~ ~~ fa: CONNACHER,ANGELAJ (187.58.95r•~x Credt Lie (Deaeasingj Gedit Lie (Level Disab~y Insr,rred Arnount• • :::::::::::::::0.00 • •::::::::::::•::~ ..:O.OU t- :-.::-:•;r, ~ L..~...~....~.....r.". MontHy Benefit •::•::•::•::::•:::::0.00 •::•::•::•::::•::•::•:0.00 ::•::•::•::•::::•::: '.O.OQ Premitun: ;:::::; :O:OU :QOQ ::O.OU Cost Per Day. ;:;:: : : :O.OU ~:O.OU O.Ol1 End Coverage Date: ~~ '" Cover a Term: Q a9 : • ::............. Q Q ~Premirun Paid ~ Cash.:: Underwriting_Review 7/l7/2007 9:47am -Page 3 of 7 Decision Party: Applicant CONNACHER,ANGELAJ (187.58.958 App~cation Score:210, Cutoff: ;:200; ~~w~:+.:~ Loan Date: (~' Loan Number: ~ ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Suffix: Reported Amount: ::0.011 Primary Cdlateral Code: Visa loan :•;;: f .......................................~---- - - - ..... Request Type: ~ new credit card >~+:.~ Requested Rate: ::: 0.00000. Requested Limit: '::'::'::::'::'3500.00 ...........................::::.r Interest Rate Lookup: Approved Rate: • •: 9.900 Credo Lima. ' ::'3500.OQ .... • Use Decisionp~arty•:••:~,•. rate. RateType• fixed- ~-*~ Lock :rate. Rate Lode Date: ::,'::'~~ ,mot State: t~ :~ ,.~,~.:: :'~' ~: .................................................................................................................... ::~i~~: .... . DeasionlRecommenciatiarx „pprove;;•::•::"T':'-:"~ Decsoion Party: System;;;:<:•::•::•i::•::~ ........... ........: 051061200415 Decision Based upon: ant CONNACHER,ANGELAJ (187.58.9587J::;;:;;:; Review Approvals Bak~w: App~catiort Score: ': X10: CutdF Review Declines Above: Decision: ovel•::::::::•::•::•:::: Current Status: Archive•::::::•::::::•::::•:;::::::•:::::::::: Underwriter. System::;';:•;~;;;';;:~:;:~: 05/06/200415:21:14.;; Max Sys ApprovedArrrt: Reasons to Override: Stipulations: ~ .: .: .:.: .: .: ................................................................................. •~•r~iii:~•' ~~ a.:;:~ •• ............... ::~:~::r.~.~::,Y:~ Underwriting_Review 7/17!2007 9:47am -Page 4 of 7 EXHIBIT "B" the rnancial link,.. Pennsylvania State Employees Credit Union P.O. Box 67013 • hfarrrsburg, PA 1T1D6-7013 • (T17J 234.8184 Harrisburg, (800) 237-7328 Nztiomride Loan Disclosures This LC;ANLINER' Credit and Security Agreement, which inductee the Truth in Lendlrg Disceosures, wifi be referred rn as the Phn. The Plan cbarmems inducts this Agreement and an Addendum. You, your and borrower mean any person who signs the Plan. GedN UMon, ws, our and ue meart PSECU or anyone to whom the Credit Union transisrs its rights under the Plan. ~ 1. HOW TENS PLAN iMORK3 -This is an open-and, mufti-featured credit plan. YVe the~etNa areas not raqutrad to auks advarw~ tO~you(undar tend can rebus a ngwat for an advat9ce at any lion. The Addandtan describes the ~! dffferont types of credit (caBsd'aubaoixtunts' evaBable under the Pion, the current ktterest rats for each aubacxount expressed as a daffy periodic rate and cortapondMp annual perantags rate and outer charges. tt may also have other temta and a scfftedula for ding the payment amounts. 2. CREDIT LMAT -- VVe mtt, but do not have to, estabBsh a credit Brrat on certain ~. !f a Credtt Bmff b let br a subacoaett, you promise not to exceed the asabMahed oredt Bmll. N you exceed ttts txedit fimit, You Promise to ropey fmntsraetsly ttrs amount wtrich exceeds the credit Bmff. 3. tsEP'I-YMEM' -lbtr prarias to repay aB amounts you owe under tiw Plan phra ais~ -ro~ a~ n e~ days ~ unless we sat a dffterent date payment adtedule for a yaw paytrtartt wBl bs determkted st Uie time of each advance. Payrt~n 61Ciirda any rutrotnt past due and arty amamt by wlMCft you have wtaEteded ar y credit BrMt you haw beer- given tar a subacoount. Yttu may repay aB or part of what gar owe at any time wiUtaut am prepayerartt perudly. Even ff you prepay, you wig still be Itquhsd lt/ rttahe ttu ~p~w1y schsdulgd payments urrlsa we agree fn wrtting to a Glartgs in Uts psymsrd sdwtduie. It you h8va a joirrt altars draft aooaxtt, you wd" he dragdraR aoooe,art~Paynwrrts wil~appWad it- the cedar lha Credit~lhibchooses. ~~ fi. PLAN AIC1CE83 -lbtr csr- ot>lakt oredR advartoaa b any manrtar authorized by ua. N ws`aiow you b use yarr ATM141ehit crud ~ nooses the Plan, you may be Noble for rite ~ use of ya,r KTtrVDe6it card. You wBi not b. treble fw ratmrdtcrfrid uewYlief ocarn alter you rtoiNy us, r~y or in wrBblg, oI iha lass, Utsft. or possibM trlataFtorised-use Uy~t bsoew yaru~ A7~AlDebN card lus been bet or stolen, imrrrsl~laly i9brtn iha Credk tMiott by call6g o- wrBktg ue sl the telephone number or addraa Utst sppsartt alpgitae in tits Pfirl N itw card !R used b obtain advettoa+llraoUyirom tllePlan. your fir+blltty wl~.rtet uxrsa~d ;i60. M 1M txauUwrited wltltdrawai b fYOm a elves draft aomtatt, Y'~ y ~ povarrwd by ~ E eBsdostrns you reosived at tM tiros You reoaitsd your AT1rdDSbtt oajd, oval # the wilttdeatrrd rebdta in an adtratroe being mods from your overdraft eubaeoorxtt. 6. PINANCQ CHARf~I --The doav amount Yaw pay for money borrowed b eaBed a'finenoo charge" and bepkts on tits dalsof each advarros. A finance ~ wBl be computed eapavatdy Tor each aspeuab t>Adtrtofi hider Ufa Plan. To txtrnprrts ttte financest~+~s ttta unpaid bsttrrtcs ter arch day since your taN payrn•nt (or stnca en advance N ~ ttrprs not yet mods a paymartj is rrxrlBpfied by ~ ~ oorap~ ttd U~tfrt rtns~chaUta~iap~iitl bwanry s~acFt ~ afte- payments and oredtts i0 ttut brserr'cs Itlrrvs been subtracted and any adr~iona b ihs balance have bean made. h addkiort b irttsrat, we may charge outer frrterrca citarga which era disolassd on tits Addsrtdum: ff U-rt krtarea< rats b a variable irtterat rate, the Addandrm how the variable interest rob works. 0. 9ErCURfTY--llw pfs~dpe a securiy br itte Plan aB shares and dividends and. A anl4 cep deposfis std Mterest in aB joN9t and indidduat accourrle yaw hays with us ' raw and in dwa kaura. u a spedflc dollar amotxtt is pledged for an advance. we wBl freeze sftsres rn ti9M aoaaaM b Ute extern of u9e outstartdkp balencxr for the advartcc. Otlrstwiee, your pledged shares may be widdraYm unless you are in default. TM loilowNr>1 parenrapTr appNs M aN atsta extort in Ohb, Rhoda blarW and iYsaseiniaella: VYa have a stahrbry oat exr the shares aM dnridertds and, U any, ifte deposits and imaeat in aU krdlvidurd and joint accaxrts you have wtth ua and may eooerof,s our rights under tits Ben b the exbnt perrtdtted by state taw. U~rtion.'~ Foror eN barotrrsrs: TM name dos not irxiude the tam "Federal Credit ~ sPP~ ~ ft~ M a4Wbry Nor andlor your pledge wfit albtw us your aooowrt(s) to what you owe velure you aro in defauN. The staWlory Ben and . Yax pMdge do not apply to any trdividusl Retirerttant Account of any other account that would bas special tax treatment under stela or federal lave ff given as seatrity. subecoount idsntifiea a~ tNan ~Y ~ regtrked at the time of an advance. tt a type of property (such as 'New CarS~ you must give that type of property as security when you get en edvertce under that subaooount. A sutraocount name such as 'Other Scarred' means you must provide security acceptable to us when you otrtarn an advance under that subaccount. Property you give as seauNy veto secure aB amounts owed under the Plan and all other bans you have with us now or in the future. enccept any loan esr~red by your prinapal dwelling. Property securing other loam you have wkh us may also secure the Plan. 7. PROPERTY INSURANCE, TAXES AND FEES -You must maintain property insurance on all property that you gNe as security under the Plan. You may purchase C CWU YUf Wl Wta7P, 19r0. 82 N. aS. M. 01, i8. 2000, O1. oZ 0.9. ALl RIWRS RESEN4ED the property insurance from anyone you choose who is aoaspteble to the Credtt Union. The amount and rwrmrage of ttte property insurance nxrst be acoepWbie to us.lfar may provide the property Insurance through a policy you have, or through a Policy you get and pay tor. lbu promise to make ttre insurance policy payable to us and to deliver the policy ar proof of coverage to us ff asked to do so. If you cent:el your insurance and get a refund, we have a right to the refund. It the property is bsl or damaged, ore even use the ir-stxanee aetNernertt to repair the property or apply tt towards what you owe. Ybu authorize us to aitdorae arty draft or d9edt whidt may be payable to yen in oroer far us to cooed any rehfrtd or trsrtefits drys urxfer your insurance poBcy. Ybu also promise to pay aN taxes and fees (fike registration lea) due on the Properly. N you do Trod Pay the taws or tea on U-e property when due a keep U insured, ws ~Y PgY rheas ~i4db~. but ws are not requirod to rb ao. Any nrorby we spend for taxes, tea or insurance wBi be added b the unpaid bstartee of the advance erd you veto pay tntersst on those amaurtta at the same raft you agreed to pay on the atlvsnce. MYs may ret:ehre paytrwNe in ~sotiort wiei the 6tprartt~ ttiom a company wltid9 provicbs the brstrrenoe. We rrteg~ mortffor our loans fo- the purpose of debrminirp whether you and other borrovwrs hays oorrrpBed wBh Ute ir»uranoe requirwnertb of Ns loan apeenterprs or my engage oMas to do eo. The kfaarxtce dtsrged added tb your ad4errca may itcMrdie (t) the irtataartos Qomparty's payments Tn ut ar+d (2) tM coal of dNertnWrtg oornpRartcs with the ineuraroe requirsrtterMe. U 9ve add amormte for texas, tees a instrrwwe to the unpaid befa<tos of your Advance, ~p p added whfdrt tbs term of the al t1O7iCB - N you do rwt pu-rlrsa the required propaiy ~taartcs, trte 6tstuarxs we ntey pundwse arxt you br wig Dower only out irtterset In the property: TM inwranoe will not fre~ty Insunrtca and wtU oat sandy arty state fknrtolai rssponsbNNy or no fault lean. fi. CREDIT A~(SURANCE -Credit file erdwr orrKBt dieabifily iraurarwx is optiortat under tits PterL ff ypu quaBy br and purt>hsse tlta Ntarranoe from tr:, you esdltorize us b add 1#te insurarroe prarnirxrw rnortltrly b Your torn balance and charge You irtarost on Ufa Mors tielbutca. U you skst essdt Your WY~nts atY ktrxsar ibt the parbd of 16rte rtepeary b repay Y~ advaroe may hs sxdsrtdsd beyond the appradntsls term stated on tM Aiddatdtan. The cttrr9t irwaartoe robs may otuttga dtrir,~ ttta PFan. U the rates crags. we wol provide arty natioa rtrigtrk+ed by ~ kdr. 1g. PERIIDDTC dTATEBAENf - Orr a regular brds you wilt rer.~sNi a starfertrsrtt sltcwRp bt bannctlorMi ttrids~r tt+s Plrlri during the p~rtod aoMtwt by Mice afdirnertt. Sldlgtatrts arts! ttCdi0ea rldi 4s aenE b you at tits molt tsoaiT address you fwtne !~ trs M wrNktg. Unless rllppNasbfe law requess noUos to ~adt ~ borrower, rrolbe b any orw of you w3 be rtodics b a1. t1. JOIMT AR~CNrfB - tl 1Hs to a join! eccotrnf, each of you Bt individtary and l~fiY ~ PeYi~ aN arttotrrtts awed. That rrrarta we cart•antaroe ors dgttm under itte Plan a any one of yet lndtriduaffjr ar apaialTao of yotr IopaNter. ff you gf+s tre ktoottaiMertt kaetrudiorts, ws can refuse b foAow you inelluetlone. Uri our writkrrt poocy ngrrira a/ of you b eiprt tar art ad~aertae each of yott auUtor(ms 1tw oUter(s) b obtain advances inidvidttaMy and agree to repay adyatoa made to the curar(e). Any jtrrtt eonorvtUtoldar may ttrrrtirtate rtes Plan by pivirtg us prirrr' written notice. u any of gar tern+kata Uts Ppn, the F'la- b lerminrrbd brao of gar. Wu remain IialAe indlvidtrely surd JokNFy for cep advarroes ktaxred balers ferntlrtatbrt. 17. FT:ES AND ftTARtit'S - tt 3'cu !>iw us a esatrfty srdted in aerlAin types of P~% vre ~ cFurgs Y'~ a fSrg Ne to psrleet our interest h the properyc ff b. the arnorrrt of the tea wlq be dscbeed b you st ihs time gar obWn an advance. VYe may abo cJmnpa you other fees in oarrection with 1hs Plan. Thos fees are dfsabsed on the Addetrdtart arxf will be added to yaw lorur trslrux;e rxdae you pay them h sash. 1 S. NPDATINQ CREDfT tNPDR11ATlON - Ybu promise that you w3 promptly gW'a us wfNart notice ff you nwve, eetarge your name or arrpbyrrttsnt, or ff any other irtfpntutbn you prwkled to trs dtarrges. Upon our request you also agree to provide us updated financial information. 14. DEFAULT -The 1iolAowMp paragraph applies to bonotwre In' Idelro, 1Cwrgse, Alir+lrr and SotrUr Caeblfire: lbu w3 be in default ff you do not make a payrnvnt of the amount required when k is due. lkw wBl also 6e in default ff we believe the prospa:t of paynterK, performance. or realization on arty property given ae ssauky is significantry impaired. TM follow fog para~eptr aPPI-•a army to hanarrera in W/scons-rr: lbu wiN be in dekurlt ff you fail to rtteke 8 payment when due two times during any 12-month perbd:lbu wiB be rn default ff breaking any promise made under the Plan materialy impales your abiiay to repay what you owe of materially knpeirs the oondtion. value, or p-oUSCtbrt of or our right in any property you gave as security. The follow&rQ paragraph epplles Dory to borrowers in Iowa: You will be in default ff you are more than 10 days late in makkrg a payment.Ybtr wiB also be in default ff you do not rbmpy with the farms of the Man end your lacuna to comply mausrlaBy impairs awry Property you gave as setxrrity of your abBity to repay what you owe under the Plan. PSECU FORM i;it16 . _.____ JBXXC50r-1 037-2092.1 (tA31 LQANt/NEA' Credit and Security Credit Agreement (continued) The follow/ng paragraph applies to borrowers In al/ other states; You will be in default if you do not make a payment of the amount required tivhen 8 is due. Yau will ~~ be in default if you break 2ny promise you made under the Plan or rf anyone is in default under any security agreement made in connection with an advance under ~ tits Plan. You wiN bs in default if you (tie, fife for bankruptcy, 6sccme insolvent, it you make arty false ar misleading statements in any credit apprrcatlon or update of credit intormatbn, or if something happens we ttefieve may substantially reduce your ability ro ropey what you core. You will also rte in default under the Plan H you era in default under any outer ban agreement with us. 1S. AC~'IONS AFTER DEFAULT -The /allowing paragraph sppl/es to borrowers !n Colarodo, D/strict of Co/umbl~, Iowa, Kansas, Ms/ns, AUassacltuwtfs, it1lsaourl, Nebraka, West Vhglnla and South Carolina: When you are In default end aflar expiration of arty rtgnt you have under applir~e state law io cure your default, we can demand Immediate payment of the entire unpaid balance under d,a Plan witha-t giving You advance notice. 7ha IbllawHtppa rnpprraph appNa~s to bar~wra !n e!1 other stelae exrropg N?tcona4t end tortfiatans: When you are In default, tee can requiro immediate payment (acwletatlonj of the endre unpaid balance under the Plan. You wahre arty right you have W demand br payment, notice of intent ro accelerate and notice of acceleration. Trio IbAowing pareDtrap/te apply to borttDtwra fn air stales excspy W/scoltsln and LoulNenc ff inurrediete payment is derrrtnded, you wifi come ro pay tntsreat rmtN what you owe has been repaid, at the appNrxtele ktterest rates kt affect unless a default rate is ~sclosed on the Addendum. if a demand tar imrttediate payment has been made, the attares and deposlts ptvert as seewlty for the Plan t~r- be applied toward wivt you owe. We cart atso exertUse any other rlgtrts given by law when you are M default. ltiu agree tM Credit Urtiori flee tM right ro take poaaession of arty property given ~ security for p ativmrce tatdsr the Plan witliast Jtsdldal process ff clue can be done without breach d Ute peace. tt ws ask, you promise to tbfiver the properly at a thne and ghee rte choose. tNe odd not bs responsible for any other property, not co+wred by this Agraernarrt, that you leave inside ttte property or that is attached to the property. Ws witl aY b retirtrr that property to you ar make k avadatila to you to claim. Altar we haw possesefon of ltts property, vve can saq lt and apply the money to any arttounta you awe us. Ws wtll you notice of any prtWb aide or the date after wttioh a pttvate attb wiN be Our exPeraes Ior taklrtg possesskxt ~ and sefBrig the property wS be deducted hoar the ttwriey raoelved from the sale. Those ooeots may irrckrde tM'oost Of sloririg the property, pnpartng it for sob and dbnrsy's fees to ttte sxtartt perttr~ted foxier state law or awmded under the eankruptay Code. The rest of the sale Itnoewy wtll be appFsd m what you owe under ttta Man. wu vAtl also trove to pay any amount that remskta unpaid attar the sob rnatsy has bean appMd a any ttrrps>id bsluwe txidw tlts Plan. vbtr spree to pay kifereat on then amount at the setrrie rats as tits advartos, ar, iE ttppficebte, at the debult rate disabeed on the Addendum, urit9 tttet amount ties been paid. The NaMorrtirgpsragesp/r sppMss ongr to MrfrooYn/n bonawtsrs: When you are In fault and after suq>iration of any rrlIppM you trsw under appfioebla state taw b cure yotir~ dslault, wi rrtay rtquke krimec~afe paytasnt of your outstanding loan balance txidsr file Platt end seek pallireeabrr o1 the P'rop+nY g~ ~ ltY ~ may voks+ersByr gM the propertyfo us if y+ou . arws may seek th halos posseselon of the PropKey by ! pnwe. x ws ropoaaia the m~ptehrety yotr agree b Pay rvahide, tnobNeort at owatolbNS, ~ ar ~ p~ you wblDe raequlretl ro pay etry scale pemiHted by Sectlort 422.413 at tf~s Wlsconsln StaNttea. Iris kNfoa'lrtp prraprrptfi spptses sty to Lor~erlsJ>arsowrts: tfytren you are in dektuit, we teal ragtttre Ytatte~ate Easytrwrtl (aocslatatbn) at the srrdre unpaid. ttelarioe under the Pfart Nw wahre any tight you !tape to demand (or payment, riblk:e of it>eattt b aoaaerata aril notice of acoeisrlltlort. If krtrttadials payrrwnt is demarxted, you vrH oontlntu b kiterest urttll what you ours hate ttamt tapak! at the apptlmbte hieareet rates in albct urdees a defa<dt rats Fs dbdcaisd at the Addendum. N a demand far irrrriediate paynMtit tree been made, lM shares and any ~ r t7~ by taw wltyout~are~ut defau~and our 11gtt-n under any aeewhy a~eemerits you have witl- us. 10. CANCELLING OR CHANGING THE PLAN -The tallorMng paragrRpli epp/fes ony m borrvrttirrs M Mpr-als: We have the dght ro change the terms of the Plan from time b funs after giving you arty advance notice required by taw. Any change b the irtisresi rate ar other chargers w>r apply to future advances. The fatlowlnp pieragraphs apply ony to borrorarrs In Wlscorreln: We can change the terms of tM Plan from time ro time In accordance with Section 422.41 5 of the Wlecorisin Statutes. You wig be notified of any change in terms. An increase b the daily periodk rate under a variable rate trrterest cafe is not considered a change in terms under the Plan. YVe can canoe! the entire Plan or any part of the Plan at any Ume. You may canr~l the Plan at arty tkne by giving us prior written notice. hour obligation to pay the unpaid balances under the terms of the Plan continues whether yot, ar the credit urdon CaflGb) the Plan, except ro the extent that your liability Is limited M Section 422.at55 of the Wiaaortain Statutes. The rodowfng ptuagrsph epplJes only to bwrowara fn Iowa: We can charge the terms of the Plan from dme to Ume aker giving you any advance notice required by taw. A change ttrat increases the rate o/ finance charge or other charge, that increases the amount of your payments, or that otherwise adversely affects existing balances will apply to existing balances only if you agree to (rte change or you use the Plan after receiving notice that your use of the Plan means you agree 1`~e change applies to existing balances. The Mtyow/ng paragraph applies to borrowers !n all other states: l"Je'havs the right to change the terms of the Plan from time ro time after giving you any advance nodes required by law. Any change in the interest rate will apply to future advances, and at our discretion, and sutry'ect ro any requirements of appficabie law, volt also appy to unpaid balances. The Aol/owing paragraph applies to a!f borrowers other than W/seortsln borroMrora: An iritxease 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.llbu can cancel the Plan at any time. Your obligation to pay the unpakl balances under the terms of the Plan continues whether yeu or the Credit Union cancel the Plan. 17. DELAY 1N ENFORCING RiGHT3 ANO CHANGES IN THE PLAN - VYs can ~ delay enforcing any of our rights under this Plan any number of times without being the abdigr ro ettertase our rights !star. we can entorrxs this Plan aysinst your heirs or ~ ~r~apr~ nbtatlvee. M we charge the terms of the Plan, you agreq that this Plan protect us. 10. CONTWUED EFFECTIVENPSS - If any pen at Utis Plan is determined M a court b bs taierdvrceable, the rest will remain in effect. t9. NOTICE TO UTAN 80RRONIfERB -- This written agreeniant is a final expftitssi0n ttf fie llgtsatl-mR between yet and the Gecat Union. This written egrewrNnt may not be soribadtalsd by evidence o/ any oral agreertrent. 20. Tff~ SEI*..URRY FOA T'Ht8 LDAN - lbu give us what is known as a security tnleresi In aq property desrxibsd in any receipt, vouctiw o- ott+er document you reoeNe for an Adrarice ('tire Advance. The security Grbreert you pfve Inekrdea alt aooessiorra. Axessbns are Utitips wtrbti rue atladted !n ar Installed in the property flaw or b the itrhtr'e. The seauftyr iritereett also iricktdss arty rapiaoemeitb for ttts propertyr wfikttt you buy wittikt t0 days of the Advartos or any exterisbns, renewab ar rsidrig of gte Adrartoe. tt also includes arty money you receive tram seftlrig Ills property or hom 6isurerice you trove on the properly. H the value b ~ properly dadlros, you promise to gks ua more properly es security it asked Z'1. tIVMAT THE SECURITY WTERBST COVERS -- Ths security interest wares the Advance desorilsed in the receipt, vortcFisr ar any other dowrtrent you receive at the tlrne of the Advmxae grid any auAtinsions, rsviewab ar redrwrtoinpa of the Advance, lt also seartses any outer advsriese you Crave raw ar receive in the future realer rte Platt mid arty otlre- attrourtte ar bane, htdudkip arty seta[ card ban, you owe us for any roaeorr rtow or In the kttiur. aatcapt any ban seatrod by rasidena. a tlw ropetly ~ ttotrsefroid goods as defrisd by the ~ Trade Cotnmbsbn Orerfitp PYacNoee Rws, Ihs properly wiN serge ony the Advartoe and not oltrermrsattrste you owe. 41.OrYtINERStt>p ORTHE PROPERTyYou-hbu promise tltet you owrr the property or fl Itte Advanal b th bryr the propertye~e ttUee you wNl we the Adv~utcs for fled 'purpose. hbu ptoenlta that tia Imo any inbrest In ar claim aigairist the ptopettytitrat you hrfvs not alraadp thid ut about. Ybu promise trot b sail or tease the property or to use lt as aerxxtty for a ban with another creditor untN the Adwrrce is rspaW. Ybu promise you w111 atkiw rb attier seoraity ktterest ar flan to attach ro the property eltitar by your actions a by operation of taw. 23. PR07'ECT1N6 Tf1E siECllRIT'Y gr111'EREST - tf your state beuea a tote for the propertg you p-o+rtise to have ota eeaugy interest shown on the tide. We many have to lib whit! it tayMd a thquit3rip stsferrNStt b protect our seotulty interest from the chirps a1 adlere. It asked b do so, you promise tD sign a totalling stabmerN. tibtr also prottlieie to dti whtletnrr sip ws tltirNt is tteoasaary m protect our ssarlty iIn. (tie propertyr. kw proraba eo pay sd costa, tnducl4tp but trot ititdtsd m mty to~e~irdsrit ~PemrbSd bYby iietereeb and tiptNs in the property, 2;. UBIr Otw`PFtOPElIRY -- tlntd the Aduarwe tree been paid ~. y~ pror^~e you wIL• (i) ilea Mta propertyr Y a~ ~P h In ~ nprir. t2) Obtah oru rrrltlen peanisdort 3tefote tttettYtp ntllj0- tttartgee to the or tiwipkig Urs address turrets die property is Mept. (3) Irtbmt sit to wrlN-i0 ba ra durrplrip yotru addtwe. (4) Atlorr us b inaped the progeny. (3) Promptly rrotlry w tl ttte property is damaged, stolen or abused. (8) Not tree fire properly for airy wrMauAut purpose. tttf. NORTH WIKOTA NOTICE TO tyE1AROWERB PURCNAt3M(7 A MOTOR YEMICLE --THE frtOTOR VEHICLE IN THIS TRANSACTION MAY BE SUBJECT TO REPCI,SSESStON. IF tT f9 REPOSSE5SED AND 501.D TO SOMEONE ELSE, AND ALL AMOUNTS DUE TO THE SECURED PARTY ARE NOT RECEIVED IN 1 THAT SALE, YOU tvtAY HAVE TO PAY THE DIFFERENCE. 1 as. vERINONT NO'i'ICE TO co-STONER -YOUR SIGNATURE ON THIS NOTE MEANSTHATYOU ARE E~tlALLY UABLf FOR REPAYMENT OF THiS LOAN. IF THE BORROWER DOES NOT PAYrTHE LENDER HAS A LEGAL RIGHTTO COLLECT FROM YOU. 27. NOTICE FOR AAQONA OWNERS OF PROPERTY - It is unlawful for you to tab ro return a motor vehicle that is subject ro a security interest, within thGty days attar you flaw receNed notice of default. The notice win be mailed ro the address you gave us. lt is your [esponsibiNty tc notify us it your address changes. The maximum penalty for untawtisl failure to return a moor vehicle is one year in prison and/or a tine of 5150,(100. This notice contains important information about your rights and our responsibilities under the Faa Credit Biping Act. You are advised to read your monthly statement and review it for any error discrepancies or unauthorized transactions. NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT. If you think your statement is wrong, or N you need more inormation about a transaction on your statement, write us on a separate sheet at the address fisted on your statement. You are required to notify us in writing within 60 days following the date on which we sent your statement wherein the error or problem first appeared regarding arty discrepancy or unauthorized transactions on your atxaiM. Failure b nodty us rney result in your acceptance of any r~esponsibifity far payment or reimbursement to us for any such error or d~screparicy on your acr~unt Write b us as soon as possible. You can telephone us, but doing so wib not Preserve yaw rights. In your letter, giw us the following inbrmatan: ' Ybw Hartle and acootutt rximber. ' The doper amount of the iruapected error. ' Desatbe the error and explain, if you can, why you believe there is an error. it you need more irifarmation, describe the item you are not awe about. K you flaw autttorized tie to pay a credit card eccotint autornatksspy from your share accourd or dtecidng at:cairtl you can stop the paymerp on ac+y arnotutt gall think to wrong. To stop the payment your letter must reach us three business days befire the eutornatb payment ro echsdulad b occur. YOUR RKiFfT"3 AND OUR RESPONSlBiU71ES AFTER VYE RECEIVE YOUR WRITTEN NO'TtCE - We must adcnowledpe You letter wRhkt 30 days, tmless we have ta>~ the error fry dten. ififRhin 90 days, we nxist eNher Correct the error or er~birt why ws bvlkw the stalarttent was correct. to tlifee Apr»nnat, tlir words and yrottr means each and gip ~ pxtse wAo apply for the osiq erwho sltpta title l~aemeril. card means the VlBi- credit card and any dupGosltls and arteMraia we issue. Account mwM your VISA Credit Card une of rwedif aoaoixa iMltlrue, tile, ue, atrrd Oun tno~ ttife Crept Urtlon. t. JTIf - n we issue you a card, you agree b repay m dates and the Fkprge Charge aristnp-from the use of the card anti d+e card acootinl For ettample, ~~ ~a~y~+s whom acre, andt;lite reaportaiitifty aoridrtua rrrtli rite card is reoov~sd.lbu dittchkn b~ N~ us, ixitwe wll does tta aooarrtt for rtewlrermaotiorts If so~d11~p~'attdraroAt~aaN'ct~.lbur oblg~torr to flair the accatrit t~drto. oor~rr ~. evenli an rgraernaeR, dlvaoa deaee ar bAher axat b whtdt we are not a party may drettt you tx ttrie of the other persrrh: rs~pi~b Pay the aooouitt 2. t.0>i'T C/1R0 NO'!'IP1cA770N - N you ttepsw tM card floe begirt lost or stolen, youwlp haritedplely ceN tttu t~edlt Urtit>Rt at pt7) 23A-8484 or (t100) 237-7328. Attar hats adl (eoq) 558-BQ78. 3. LfABY.ITY FOR UNAeTTHORiZED USH - libti apse b nodly us krrrtedatelt, orapy a kl wriprtp of Ilia Inca„ ateR or uruuattagosetue d you Credit £+ud.lbu may t» paba ftr'tfla uereudtnrized rate of yaw Credt Ctaad: rbti will cwt ba Raba itx tataudtoriaed use that occurs star you notify ue d the ices, then o- poeetile unsuUtoriaed ties. Ybti wig have no Ikbipty tar unauthorized pwctmeea medic wilt your Crecpt Card, urtises you are grossy negpgatt In the handling of yaw Cant. M ~ a~ You' iMp cwt euoeed X50. 4. CRHfliT t.M1E - k we approve yotx appptadbrt, we wiN swttliwt a sed- raplerti:itYtg Line of Credit for you and nodty you of its ainoriM wftsn ore testis the aud.vbu apse not b let Ilia acaotattt eioaesd tide Credk Lkte. r~ Paytitertt you make on ttte aa~our>s wig retslore your credp this by ttte artiotrtt of the vnliloft Cs appled b the principd.Vbu may request an irits^saw in yaw Crsdp blr wrklsrt b cis, which rmist be approved M our asdh' oomrNiDae or loan ofpcsr. By written notice tas mwY redtxs yaw Credit IJrte from torte b tlirte, a wpb goat Ceues, rewire Your card acid terrrtir-da this Agrserrierd. l;fond ceuee kiclitdac your lettuce b campy with lira Apreernerrt or dry loiter aglserttertttaidi cis, or our adverse reevdtiasdort of yotx cxedewrorlittteee. V6U mrgt dso tarttttrrate this Agreetnert a dry 6nta, but terrrm>bion t»r either of us does not alletit Y~ to pay tM eooarrt . The cards rentairt our property and.Y~ must recover and aurteritlir to ue all Cards upon Out request and tipat termiimfion of this Apteentertl 5. CREDiT M1rORAfJ1TlON -You authorize us b tMeddpate yaw Cedt startdrip wharf opettktp rsrtow><ip w revfewltig your accaint, and you atrdtoriu us a disclose information r your aooourtt to taectit bureaus and outer cretirlors wta inquire of ce about your dell sand(rip. 0. MONTFILY PAYp1ENT - VYe wit map you a statement every rrtoridt ahowinp your F'reviotrs 13efertoes d ptnchasee and cash advance0, the tkirrent trarteedlorm On your aooarrM, die rontlti avaieble txtdet your Crecpt Lkte. the Nexv Bafaricee of anyand tat tiillad keR and ttte t~Gnititm Paymerr[ required, Every ~~ Y'a+ ~ PeY at keel the Qidrtirrairn Paifritenl wphkt 25 Jaya of your ataamerrt dttsirg da/e:By asperses apreerneM you may autltoriae us m ~ itte ritktirtrim payment etdortteticapy b Your attare or Ciwd4rtp account with tie. Ytw rrta~ of cause, pay mac pay more then the~Minkrputi Payrtrteret, a pay the Total Now Beiartoe in tap. and~realiice die owed v wib at b y p~ die a~b~Yow Sl shares.the dal casdt pile balance The minitraeri peyn-ent will be (a} 296 0l yaw Total New Balance, rounded tiP b the rtaxt even dtafkr, or (b) 520.00, whichever is greeter. In addidort, at any tkrie yaw Total New BatariCe exceeds your credit Line. you nxat imntediaaly pay itte excess upon ow demand. We wit apply payments in the fotlowirig manner: rust m previous late teas, After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to send statements to you .for the amount you question, irickiding finance charges, and we can apply any unpa'.d amount against your credit limit. You do not have to pay any questioned amoufit while we are investigating.. but you are still obtgated to pay the parts of your statement that are not in question. II we find that we made a mistake on your statement, you will not have to pay any finance charges related to any questioned amount. if ws didn't make a mistake, you may have to pay finance charges, and you wilt have to make up any missed payments on the questkuted amount. In eithor case, we will send you a statement a(ths amount you owe artd the date that it is due. it you fail to pay the amount that we think you owe, we may report you as delinquent However, it our explartadort does not satisfy you and you write ~ us within ten days telling us that you add refuse b pay, ate must tail anyone we report you to that you have a gtiesdort about your statement And, ore must tail you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finapy is. N we donY follow these rake, we cant coNect the fbsi 550 of the questioned amount, even if your statement was correct. SPECIAL RULE FOR CR€OTT CARD PURCHASES - M you have a problem with the quality of property or cervices That you purchased with a trerAt card, and you haw tied in Qoaf latch b correct the problem with the mertdtarit, you may haw the right not b pay the rsmafrifrig amount due on the property or services. There are two prtdtadoris on this rtgtit• (a) ybu must have made the pwcttase in yaw home state or, ff not wphtt- yyaoww home state, within 100 miles of yaw txxrant msipng address: and (b) The ptiroft8se price must haw been more than StiO. These dndmdona do not apply p are own tx operate the mercitartL or H we malted you tM;adiiertitoerrwtt is the Property or servkke. itiect b l+u cgft aihiartoaa iNerioe dtarpee, them to prsvicim purcttaee fif>atitoe p~wvtpoe~e. titan b otarrril tale iws, then b prevlotis cash advsitoe bakrtees, tltsn b tai atrrsM t~sttadwtwerbslan~~, at~trte~itbb a~rr~t~pts mat ~ 7. flNANCB cHAROlEB - tibu can avoid the Firtartoe Charge on purchased by paying tlw tail amotirit of the New Balance o} Put~cfisses each month within 25 days of lAr~Bltterlt doship dale. Odtsrvvire, the New Balartiie of Pwcttadea~, and the ~cf,~ape~C~i,`'°"'sdv:t+c~ar:"'ah~ S ~Fktatt~ Chef deae thry are. ptieae b yaw at>aotutt. Ptir~tns:. woe auaiea9e fitsevtce nnppee br me duerege adjusted iridudinp n i~ br ftte biging oYds btr ~~a.and correapondEnp 11F~lJAL PERCt~.MA(iiE CaiMlt Cee:. YWt+ pdoula~bi f4itautce charge On Cash advanoss ~ +s+~0e t~~y (sM ) ~ h p~~il~~tL RATEnaiu~~ ed ~t the Addendum. eWetarcoatpt+taltlon 1pailwd Balirrtp :Ax Purtasaesr -The Average Dilly liklarwe for Purchase TFer>tlrmlNte by addMip the Daily Bafaricee {PixCltase Tlaneacdort) for each dfy In ttte bWkg .. ~ and titan diridirtp by tics nurturer of dlayst In the ttplirip ryde. Tb caks~laa a~~~~ ty3alance br purdtates each day, wi take the Qopowkip slaps: rVe take 1M ra<itq balluira {a1 arttoatle you awe) at if+e start of the day. 7twn, fn the aegtisrice trr which enrantts ors posed b yaw account, ore add ate arriaaad of ad dsbi-s autd ewaaot the arrtourna a ail crecpa apa~rmenus whktti post b your eatbtxtt that day. ARsr aPPIYkg payrtterifs and otedla. we subtract.ttte amount of any unpaid Fiitarics Charges ar tale Then wr abo sutmact @ie amount o~~e ~ thebp6ng ~ gi~ires~t~ Balaricp lot ptrch~ a. ~!' Balance liar C:sh Adienoes -Cash AdvarrCe Tttirteacdorta vvftich are p~b yt>„t aicpour# are not irtoluded it ttw Arerape 00e~py Betartae calcxiladort for ptaiduses, and are tltwbee not e<ibjsu b the rrtoriddy pseriodc cola to pirr. The C~ is aepar~ ttir Caelt Attvertoee end k subject b the The~OrAarepe Daily BalartOStOr C86hTtautsat>?i0ns is rxlailalad by adttirg the Daly 8alarictee (Castt'IFrawadion)fix esrdt dsir In the !>iNhtp qde„ and them di,4tNrrp by >f>s riurrrber of days h the blirip cycle. To ralaibee the Dopy Beitatce for ceatt astir day, we tape tlw. saps:tMe ttYee die otrtsartdrp baiarice ~ artaunta you ,owe) at do abort a11he tiaylvert. T . In the segtietics to wttitst arr+txntta are poefed b y~r acocutl, we add ftte arttourie of ail debits aetd:ubpact the arnourrie of ak credffs or paymerYa nfttdt post iC ytw- acaoutt ittet day. Mar applying tiayrrterits and txedp6, we subtact the amours ~ any unpaid Finance or tale Charges. Then we oleo attbtratx the arrtotxit of dry Ptatitaes Ttarisecdons dtai posted to yea aotxau+t on that day or in dry previous dlty kt iFts cycle. This glues us the ~ Baknce fur cash Adverx:e Transat~oris. Notes Casha Adirancea as aMrsys subject to fktarlce ctwgss end from the day they era posed b your aOeoririt Payments are applied in the iotrovririg manner: first to previais fete teas, then to previous cash advances firterice charges. then b previous purchase finance charp~, then b current kAS fees, than to previous cash advance balerices. then to previous ptucttese bekrtoed in the order that they ware posted k your account, then b current cash advance balarx:es, and than to current purchase balances. CredEts are apprred lust to the particular type of debt which is being credited, +t any, and then to the balance of yaw account. Note also titer if the total of the payments and credits whidt are posted to yaw axount by the Payment Due Date shown on a statement is equal to or exceeds the VtSA• Cred/t Card Agreement end Truth to Lendino Discrosure (continued} New Balance etrown cn that statement, w~e will not apply the Monthty Periodic Rate to your Account on your next statement. 8. DEFAULT -You wlN be in default 'rf you fail to make any FAinimum Payment within 25 days after your monthly statement closing date. You authorize us to transfer funds sufficient to make the minimum payment due if your VISA ban is In default. You agree that we may tetterorarity suspend your ATM card access if your VISA payment is due for a period exceeding 30 days. You wig also be in default k your abiliry to repay us is ntatedagy reduced by a change fn your employment, an increase in your obNgations, bankruptcy or insolvency proceedirxp invoivkrg you, your dedth or your tauwe to abide by tMs Aprasment, or H the value of our security interest materiagy dedirtes. We have the right to demand immediate payment of r tuN account Nance it you default, subject b our gMnA you any notice requiredtyd by !aw To the eadent psrrnitted by taw, you wlq also be required to pay our cagectton expenses, Inclur5rtg court twsts end reasoneWe attorney fees. 4. USING THL CARD - To make a purchase or castr advance, there are two akernatiw procetksse b be bgoursd. Orin b for yyoouu to present Mrs card to a parddpartlng VISA plan rtrardiar-t, or another flrtanctat institrrtron, and sign the sales or cash adverts drag witioh wNi be imprinted wNh your card. The other ~ b oorrtplete the trensactlon by traktp your FisrsoneF IdentlNi~dorr Number (Pif~ in oonhatction with the card in an iaeorrtated'fbatar~Nterkttrts or oMter typo of elerxronic lermYtM that ptonrkfea acpst b the ViSA, ays6errt. You that you wig not tine your tend for any trartead(on Mtat is~a~i txtder ~ federal, state, or bcal lets The montNy statettrent wE idettfKyfTre merdwnt, slectrotdo tsrmkist or tlriaridd irtstlhAtort at wttlch transeetlotie ttgry reads, but eels, sash adtrarttm, eretlt a tatter ttl(ps exvirtot be rattnrtsd itdMi. Mte ataternerrL lbtt wit rotadn a copy of tart sNpa ttrmiefted ~ ltie tkrae of fife trdrtgcMOrt it under b vtrdfy Mrs titorrlMy statement The EYadC tidort may males a netteonebie eAaeye ton pftobcapiee of ttt~e you may request. 10. RElUfWS ARID AWIl67'ttAFJiTB- Mertdnd others wtto fiction tt,e r~rd ~y g~ credit for retunie acid amt they wet do eo bgssrtdirtp us a rxedlt sqp which wr wltpoat b yotrn ~cxsdit. tt your aredt end pgyrrisrtts atrceW wMt you owe ue, vre wll aulorrtatlcegy t~s! tM etaeesa crsdt b~ahnoe 1o yow St Shares within 76 ttsys M Mrs balarrt» r eta dour or more, upon yourw+lttxt request, the wig nhatd tlts detAt bdattoe b you. 11. FOREIdN TRANSACTIONS - Purchases ar-d cash achatnces mails in foreign ciurerteies wig bs bNled b you b U.S. Hollers. The conversion rate b dttgare tNgl bs made h at.oadlfroe vWMt Cie operts$tg rsgttiations br interrradontV ttsrrsacttorta eatablfelted by ViSA U.S.A., inc. 42. PLAN MElICMANf OISPUTE8 - We toy not respottsibis for Me reftual a arty plant nNrchtlrttor fbartClgi trtttlNttllon to honor yore tent. nth aro twbjact b deime and ATM CARD CAAOIidLflER A13RELRtiApJT - 1?rs Urdeesigned (you or yorrr), in conpiderallcn.of 71dE PENNBYLVANUI STATE EMPLOYEES CREtNY UNION (ws, our and us) Nertirtp b you an ATM CARD, hereby tigrse tie be legagy board by the 1odOwNtp terms ttttd oaridltbrts. 'ybu agree that fife use of yow ATM cart!(s) caristllubs attosp4trios d Mte bxnm and cortditlons of Otis Apreerttent• You ', undersmrd that M'M h a arsdt-rshted servk~e and you atttltorize P3ECU to obtain a txecit typort oo arty was d this aoootxrt. 1. AtX,O` UNT! ANO t)1~ OF ATM CARQ--Yen have the aocotsq(s} (irrdudirp Cttsoltbtg-and RsytAar Shares), wtriCFt five ear forth on yew appgeaMOrt brm itriCi Cris Agresrttent.lkw httrreby riagtsaret Meat ws lsatte b you ohs or more ATM CARD(s) b be used b oorvtsirUon wqh such accounts as descrCred In this Agrreotent. Ybtr trrtderetarrd you m4y use the ATM CARD a a STAR SYSTEMSM' ATM b {1) wiMdtaw dtNt from, ~ rriaNe or arrange for deposits in. (Sj ef(sd trartslera >b a from your eooa,tx, (4) rtaoaiw krbrniatlori reperdlttg Mee balena to your ttconwtt(s) a (5j rtwite aMh adtrar+ces horn yow txedE atooottrtt(t-j let tiffs arrratrFAS you request ~ rrMy disc rtes arratlrlaied letter ntarYrtrtsa fhroirghotrt Cis United gates and in certain foreign osurrtrlss tMftioft freer Mrs Pl.Ut3 8Y8T'EM® rtarrrs and bgo (ij b metes wiCidtavwis from, f2j sties LtartsMta b ar fivrt , (3) tecelve M>totrrtadort rpa~ Mee baiaricae h your t,Yteddrg or Resider shatys. K you haw a Fersoriaf Service t.an appmwd arxiii place, you may edeo mrdas a emgli advartoe Nom your Pt3t..You furMtar understand you may use fife ATtaA CARD b puri~tese goods turd esrvioes ('Purdtase~ at ttrtgr revp ~ ('Me1CFtaM'} vrMra ATM CARDa are eocepM1ed by such Msrdrrlt E yw ua Mte ~ CARD m maim a PtatdtMe b obtain cash, fl permltlsd by Mw Maschant, you stisq bs rsquesMrrg us to wNlxirerr funcb in fife entartt d such Ptaoftaae (Moltrdbw any tmet- tscel+rsd ircxn M1a M~t1 Nom your Cheeidrtg Shares mid diretektg or ordering us b pay strott funds b the Msndiant. libu ryquast tliat ws wS provkie b you such oMier services a aot~ss b otlier ATM systmns a rtstworio tieing Cie ATM CARD wtgdt we may later make ttvaNebte and wtticft va advise you ors oNeryd in cortrrection wNh yrxu accarnt(s) set forth on your appgcation form. You abo understand that from time to tNira you may request in writing that vre provide access to addiliorral socounta of yours through the ATM CARD we have issued to you.l6u agree that the uses of the ATM CARD described in this Agreement shag be aublect to the rules and regutatbna of each account which 15 accessed by such Card. 2. USE OF PERSONAL iDENTTFICATK?N NUMBER ('PIN")WITH ATlrt CARD You urtdaratand that a STAR SYSTEMS or a PLUS SYSTEM ATM is an automated falter It can and vvgl perfomt marry of the same tasks as a human taker. You advrowledge that the Personal ider-tlflcation Number or PIN vvhbh you use with the ATM CARD is your signature, identities the bearer of the Card to the STAR SYSTEMS ATM, PLUS SYSTEM ATM, or other network ATM end authenticates and vafidatea the diretkiotts given Just as your actual signature aril other proof identify defenses (oher than tort claims) arising out o1 goods and services you purchase with the card onH k you have made a good faith attempt, twt have bean unable to obtain satisfaction from the plan merchant, and (a) your purchase was made in response to an advertisement we sent or participated in sending you, or (b) your purchase cost more than 550 and was made from a plan merchant in your state or wixtin t 00 miles of your home. Arty other disputes you must resolve directly with the plan merchant. 13. SECURITY INTEREST - To secure your account, you grant us a purchase money security Ertterest under the Uniform Commercial Code in any goods you purchase through the account. if you default, we wig have the right to recover any of those goods which tw have not bean pain for through our appficatbri of your payments &t the mariner described in the Monthly Payment section. With respect to this account ony, we wkl not assert arty statutory right we may haws H you are in dei8trft to prevent withdrawal of year unpiedged eredk union shares (Deposits) below the unpaid balance of your account. However, N you give or have given us a apeciNc pledge of your cradle union shares (Deposits) by signing the Pledge of Shares or otherwise, or arty Differ seta ty interests for aN your debts, your account wig be secured try your Pledged shahs (Deposits) acrd by the property described in those oMrer security agroarnents, except fw your home. 14. EFFECT OF AGREF.~#ENT -- This Agreement is the contrail which applies to alt transedtorq on your account evert though the sales. i~sh advance. cradle or other aNps you aigrt a receive may contain different terms. We may amend the Agreement from time b tlrrn by serxNrg you the advance written rtntlce required by taw.libw use of fife card CtsrsaRer wE indicate your agreement to the amendments. To the teuatrrt the taw permits, and we 6idlcab in ow hate, antetdrnerrts will appry TD yore dttb5rlg rnoootatt bttitrna as vre9 as b hrtrrre transactlorts. 15, LATE PAYMENT CtW1Rt~E - tf yttw MtMmunt Payment is not paid widdn f 5 ~a~K'symerd Dus Date. you wiu be aubjarK b a atrtgte charge of 696 or the } payrrNtrt te.li~N lN~S -lbu may inCw additional cdta-yes for -u~t processing and rush delhrery at osrde andror PIN rrratlsr. t~ ~ ~ kx:ur an sddNbnai charge br transaction 1»<. t30iP1f -- Vttrt atMcrtowUdge tyttelpt of a Dopy of this Agretment. yM.~,lttiAL11l111VSAC'T1t3N6 PFIOttIINITEp-You Mtatyou vriY not ues your sand for any tiineddibrt Mis# i• Nepal tstder sPP f+d~l, X00. or toca- taw. 20. NO USE -- itteciMe Vlaa aooouras tltat hates no pisdiaes or cash aeWkjr may be cbeed rriMiaut rioUa b yotr sitar 18 ntonMts of no activky. Z'I. NEtJR11t. t+iHT1A1QgK - PSC-CIJ toss rtetaat rtstwork syshnts to pra~ct and ptsNltY tatexAitotit~ed itstte>aforts. T'ltas may bs oaaabne when a trettsdction is dseited btaoauM k it t~ttAoatMirs of ponbls trsudraient atMtvttyt you and atrNsr>tkreM and treNdrds your ~reotiorts b a ttumen lbu alb tsidenMarrd that a Merttiisra which aooapls Mee ATM CARD for a Purchase trengcdprt mq tisane an siedronic brndrtel {Merotierit operated tx SeC•3' stubs) tslti0h rrfgttins tits flee aI yaw PIN and wftsn your PIN is used at a MsrottanCs tertriinel, M ws auQtMiMosts and vaRdNS tM dtryrtiatu gMstt Just s yow actrral stpitattr+r ts1M ~ and iraRdttte your dirai;Mons ghren b tar. Ybu adowviAedga that your PIN is ut idetrMi~ort Dods that is permrW and corHidenWt and that ttts ass of Mte PIN wflh MNr A71r1 CARD la a security devise 1br your aooount(sj. Theretprf YOU Ar3AEE TO TAKE ALL RF_ASONABLE PRECAUTIONS THAT NO ONE Ei SE LEARt~~K3 YOUR PIN. . 3. UAHiLfTY PrOR tiNAUTHORI>'.EOTRANSACTIOf+IS -You trgree to corirect ua at txtce K ya begets ttw ATM CARD(s) laatrsd m you or PIN tuts boon toe! or stolen or morry 1: missing heat yow arxotatt(s). You also agree that q your monthly ataterrtnrt ttfirtws triuraactiotta which you did not make, aril you do not oontad us bet aNar C~tirfM. YDtJ Al3RF.E 7HTHAT IF WU C;r11tIE 1 BUR A~T*/ CA9~ ~Y m~Y RD(a) and PIN T'i0 ~AEOfVE E'Lt3E TC USE YOU ARE AtiTIiORi2~N(i THEM T4AL"T OW YOUR B~ilti:F AND'fCHJ WILL l3E ~ FOR ANY USE OFTHE CARD(s) 8Y THEJtt 1Rttt ootdd berg ant yow mortsy let Cie aatcotrrtt(s) it yar trke no action ro rwtify PSEGt! of 1M tae d yotr ATM CARD or PIN. 3atagttmnd your Persona! idertMlladlort Ntanban (1'MI). Do trot tag or disobss your PfN b arty other person. Do riot write you[ PIN on yttw ATM CAAR Da nil tasep a wrCler- record of your PW near yow ATM CAAt1.'Do trot rdwoee a PtN tlied k easNy idettCFabie. Anew Gaud raatr be ordetsd /or you at that torts taxi a 'hold' wiN be pleated on your old card. Attar aau:h tirao, # you tftd yaw Did card. destroy the old card by tattlers k In t•ta1L C you atterrtpt b ass yow ofd card. rt wql riot work. 4. CtIARNE8 - Ybu trgree b pery a 50 cent charge for each deposit a wkttdrawai enceecAtfg 15 a month.lbu agree b pay tM 50 cent penalty t~terye on any cash ~ ttartsecdor- (ban advana or share wlMtdrawan that is less than 520. You ogres to pay a 25 caret charge on oath balance ktquiry.l4u may kicirr a charge for any a~ustrrier-t that needs to be made to your accutrrt resultktg from an error you mado while making a deposit ~ an Automated Teller machine (ATM). You agree to pay the charges or transaction fees wttietr are charged by w for these services or for sttrvtcea which stay later be offered as such tees or charges may be imposed or retanged from time to time. 5. DEPOS'dTS -You agree that when you make a deposk at a STAR SYSTEMS ATM that we have the right to verify the deposk before wa matte the money avagaWe to yea. if you tleihrer cash, checks or other items to a STAR SYSTEMS ATM, you ~, urtdetstarrd and adtrtpwledge that the funds from your deposit rosy not be avaitatile for imrtrsdlabe wkhdrawal and that the avaNaWgty of your deposk ahaN depend on our rules end regulations regardrrtg the particular axount in which you are rtraking a f:lectronlc F~d~ltansrer. ATJI( pg~ment ~d Reeilladon "E" D/sclpg~p (continued) deposit, the items chat you are depositing and whether the deposit is made at a STAR SYSTEMS ATM that is owned by us or another financial institution. You also understand and acknowted8e that not all STAR SYSTEhtS ATMS may accept deposits and some STAR SYSTEMS ATMS may limit the amount of funds which may be deposited and that we may not control these limits. 6. LIABILITY - N the ATM CARD is issued for a joint account. you agree to be jointly and severally Gable under the terms of this Agreement erect the agreement for such aocount.l4tr agree that tl you make deposits or payments to your account(s) with itertts other than cash (checks, drafts a other items) and we make funds avaioble to you from such deposits prror to their collection, you agree that we may deduct the amounts of such funds from your acxount(s) which are not cotiected or, it the funds in your account(s) are insufficient at such tuna, you will promptly pay to us arty amount of such funds which are not Collected. T. AMENDMENT OF THi3 AQREEMENT -- Wu agree that from time to time we may amend or change the t~flta al this agreerent irfdtrkBng amef>dmettts of changes to add lurUtsr ATM CARD services or to amend or change the charges for these services. We may do so by notNying you in writing 6f such amendments or ettangsa and your use of the ATM CARD edter the effective data of arty strctt arnendfnent or change shall constitute your acceptance of and agreement b such arrferdment ar cheirtye. 0. O'oVhEpSMP -- You agree that the ATM CARD is our property and you wNl surrender h to us upon our request. You agre~a that the ATM CARD is non- trartslerabie. 9. DISCLOSURES-lrbu hereby acarowoklge receipt of the disclosure statement ~ ~~ your rights under the EbChoniC Funds Trenatar Act and a copy of REGULATION •E' DISCLOSURE 1. ELECT1M~tlC CHECK RETURNED CHECK FECES - N you pay for something wNtt a check or share drag, you may authorize it /o be converted m an sbctrorric fund transter.Ybu may also authorize marctw-ts b ebctroniceoy dgbk gofer account tar returned cdteiolt fees.lbu are corteWered ro have aa:ttraEzed tltsae eisWorifc funds trarrsfas if you corrfpleta the trariaacfbn after beirp IoW (araNy or by a notice posted a sent to you) that tits transfer relay be Prooeaaod sieCtratlwNy. or M you aqn a written authorization. 2. SUIOMAAY OF CONSUMER tJA81LITY - • ATM, AC#I and $>grf -Teti us at area it you believe your card has been bet '! or stolen. TNephonktg is ttw best way to keep your poasble losses dttwan.lbu catid lose aG the mortsy o your aiccotrnt phis yotu nraixinttrm overdraft tine of kaedit. ti you slot you I~earrt of tits kiss as than, you aw lose rto tt>ore thaut iESO If tim>cone used your card vwgtrout your psnt>rsaiort. M you do tort tail us tvigtin two ttuetrees days after you barn of the bas a theft of your card, and wre can prove we could have stopped somaorte from using yvtu card viMttotrt yew permiedon N you tad told us, you could bas as much as '~0. Afsa, N your statement shows transtea that yr,f, dW not make, tell ue et once. N you de not tati us wlttkkt 60 days alter the statement was maMsd to you. you aisy trot qet bean any money yvou lost after the 80 days M wa cart pmva thatwo ooukf Have sttspped tawmeons tram taking the riwney N you bad told as in time. N a good rettaiort weir as a bng trip or a hospital stay kept you from teiortg us, we wAl extehd tflatfnre perbda. S. TFI.EPFIONE NtIA18tER AND ADDRESS TO NOTIFY OF UNAWTfiORtZED TRANSFERS -- • ATM - Cortfaid PSEGU at (ti00) 237-7328 F_X'f 3808 (natiortrrlde) or f 717) 234-8484 (in HenisbtNg). Attar flouts, fONovt live msrxr opltot-s on PStcOt1's voifx moo system to report a lost or stolen card. For VISA tifedt or f~ catch, fbaow~ ate rot cost Gard Afo1-ffcafion urufer the VISA t:redk Card Aprsarrent srrd 7tuth-fn-lerxrlrtp Disdbsuriaa aeCtion of ~ dbckmrern. • ACH and SST -Contact PSEGU at (tl00) 237-7328 (nationwide) a (717) 234-8484 (m Harrisburg). Ck write to us 81: Pennsyfvartia State Employees Credit union P.Q. Bar 87013 Harrisburg, PA 1 71 08-701 3 PSEGU Business Hours: 8:00 a.m. - 5:00 p.m. M - F TDD (800) 472-1887 Nationwide (717) 777.2100 m lierrisburg 4. FINANCIAL INST17'UT1DN'S BtNi1HES3 DAY8 - • ATM. ACH end 8ST - PSECU's Business Days are Monday through Friday. Holidays real included. 5. TYPES OF ELECTRONIC TRANSFERS A CONSUMER MAY MAKE - • ATM -Balance irtgtririag on checking, savings and PSL; ~ from cheCldrtglsavings; cash advance from PSL; deposits fo c'ieckirgi'savings: purchase goods and services at any accepting retaN establishment. • ACH - Preauthorized debits and Credits to CheCidng and savings. • SST -Balance inquNies and transaction his0ories on ail share, certificate and loan accounts; transfers irom any sham to another share a loan awDUnt from your PSL to any share or teen account; withdrawals from any share except IRA shares or certificates. 6. ANY CHARGES FOR ELECTRONIC FUNDS TRANSFERS OR FOR THE RIGHT TO MAKE TRANSFERS - ATM - Fifty cents br each disburseme-tt (cash advance or wittxlrawai) less than 520; fifty cents for each transaction over 15 per month; 25 cent for mach balance inquiry; and there may be an additional charge for any adjustment that needs to be made to the account of any member who makes an error while depositing at an Automated Teller machine (ATM). . ACH - 820 service charge for insufficient funds for each electronic transfer. SST -none 7, SUMMARY OF CONSUMER'S RiGMT TO RECEIVE DOCUMENTATION OF EFTS - . • ATM - You are entitled to receive a printed receipt at the time of each tron.141u veld reoedve a statstneni showing the status of your account, any transactions made during the month, and any penal@es or charges PSEGU may impose during the month. • ACN std SST - Ybtr wrGl receive a monthly slaternsni sltowving the status of Y~ ~~~ arty transactions marls during the month. and any penettba or charges PSEGU may irttpoas during ~ month • N you have amonped 1o have a ditect deposit made to yotu aocouf>t at least once eaery 60 days Iran ttte sarrw person a oompartl, you can coo us at (B00) 237.7528 W itild out wlftiefttar or not ttie depoeq ties been mile. 8. STOP PAYtlENt' RIGHTS -PRE-AUTHORRED TRANSFERS - • ATM and SST -Not appocable. • ACH - Rlphrt to Stop Peerrrtsnt and Procedures for doing sa tt you nave toe us M adueartca W ttlalte rsytiiM paynien0e out of your aototrnt, you can stop any d tllase payrrterrla. flares how: Coro to at (800) 237.7328 (9latiorradde) a (717) 23~-8484 (Harrbbur~ w wrlN us at Penreylvarrla 3trtle Errtptoyses Crodtt Union, P.O. t3oot BTOi3, Harridttug, PA 17108.7013; in lima for us to reostve your request fixes t>usinefae days ar more bebre tM payment is stthedtded. b tJe nkeide. N you qM, we may also rogtiro you to put your request in writing. and yet 1t lei us witiMnt 14 days after you call. • ao~j iioinD ~ reyktllu 1 dwys hob a e~ea+~tC when it wl4 bs made and how mtroh R wrH bs. Vbkr may cnouaa kwtfaad do grt tf ds rtotla only wMn the pay~msnt would differ by ntae ttmn a i~rgin amotx>< , from the prevbua payyment, a vrftert the amount would feG outside certain ', omka flied yaU set. • AieblMtry for Fitptrrrr m Slap ~fi'+rre-rl of A~eet~ehoristrd 7FirtsRrre. N you order us tiD saop one of these pefytrwfta flues bueRtess days or more bsbre th~>ratwx is edlea+wd. and ero do riot do so, Mrs wrap bs cable for your bases ku dernapes, unless wa requsat and do not receive wrritlsn eontlrrrreition" of an oral slop payment witldet f 4 days and 1f-e imraler takes place sRsr 14 days, or you tap to-give ua pro{ter Nfstrtxittorns that wrotdd erkefbis us to place the stop on the trerrsiar. fA St!ltItIART' OF TNff INST1TtTT#OIV'S FA~tIRE TO MAKE OR BTfDP t~P[flARi'#Ra1IN$#!Bq - • ATY - g t'SECU frills fo oompbotr a trrrtptatof- on tart a fi ttw carted airttltsrE flatten propseli- M>attrraogd by you, PS~GtJ wltl be labia fa tiantapes cecued by.oirr tailtrre tstisats n) ihw. air irNUMairrit funds i1 your aoonnt b oompiet~ the tretnsltet: (~ tM turrdit in your aooourtt aria txtooMalsd; (3) tt+e ltrrttls era etlb}ecx ion lapot poaiat;~ ('q EM aartsaotlart you nglrsst wand exceed the krttetii let your acaouint Olw 1w~t+iyy atialrbb otrerdraNt proucliorr fry ttre STAR 9ystaarne. PUi3 syaMm has MafuiAdtrii etratt to aaeyiisir fife satraolicr-; (8) your ant has been regaled lost a stoen and you ire using tiro reported card; m PSEGU has naaon to balsas that refs traftaaNaiort requested Is wtaafi6rinsd; (8j the laltas b due to an agtriprttent br+eidadowrt that you know about when you sfeuted fire trartaaatiott at the STAR f3yatertia, PIUS 9yaMm: {8) the tftiNrra wrens r~tared by an ad d Gad, fbs, a other ca~stroptw, c'r by airy other catret beyUnd t:orttrol; (10) if you atterrtpt to cnmpisb a trarrsaictla- that, at a ST74R Systana, PLUS System, a rilerohant tsrmirml tfraf is not a perrt~ibie trenaeidiort tided above: a, (11) the trerisactiorr vvouW exceed the sectuily lrr~tiorts on the ttse d your ATM CARQ • ACH and SST - N PSEGU falls to compote a transaction on time or in the ootred amount, wften prope-fy instructed by you. PSEGU wol be Gable tar dameQea caused bX our falwa ta1-ees: (i) there ors krtkAfldaatt funds in yore tutus bd; (3) ttrefunda re~~; {~ the funds in your aocotxrt are request would exceed the turdaw~ io ~ process; (4) the transaction you your accautt plus any avaoatrte overdraft dedit; (5) PSEC11 has reason. to believe that the oansactiort requested is unatRtiortted; (e) the failure wsa caused by an act of God, fire. or other . or by another txtrse beyond comrol. fn any case, PSEGU ahaN be Gable only for actual proven and not oortsequentiat damages ff the faoure to male the trartsaefion resulted from a bona fide error despite PSECU's prooedurea to avaW such errors. 10. DISCLOSURE TO THIRD PARTIES - • ATM, ACH acrd SST-PSEGU veto disclose information about your aa~unt to third partles: (1) when it is necessary to compote transactions: (2) to verify the existence and slenctng of your aCCOUnt with PSEGU upon request of turd party, such as a credit bureau: (3) to comply with government agency or court Electronic Funds TrarL4~l. ATM_~sement and Reoyj~n "E'~-Dl~glosuro (continued) orders; (4) in accordance with your written permission; (5) to comply with government or administrative agency summonses, subpoenas, or court orders: (6) On receipt of certificaton from a F6deral Agenl:y err departrnent that a request for information is in compliance with the Right to Financial Privacy Act of 1976; Regulation P, Prhracy of Consumer Financial Information; and (7) when it is necessary to take legal action to recover shares. STAR SYSTEMS SERVICES - • AfPM Only -You may use your ATM CARD with your Personal Identification Number (PIN) at STAR SYSTEMS located in Delaware. Maryland. New Jersey and Perrmsyytvenia to conduct any of the follovring transactlons for the accourita accessed by ycur ATM CARD. Determirme the aCOOUM balarxre(s) of your Chedring your Regular Shares, and your Personal 3ervk~a Loan (PSL). Withdraw c~ett from your Checking and your Regular Shares. Make a cash admrartce from your Persoria- Service Loan (PSL). Oepoait k:urrenay, decks, or drafts (coins are not acceptatab) for trarisrtiission to PSECU for deposit in your Chek~irmg and your Regular Shares. tm10T'E: There.are IhMted tocationa in' Maryland where deposits may toe made. V+fe wish to itixm You 11-et some ATMs located i1 ttieaa areas may only provide access to your Cheddrtp, your Roguter Shares, end your Personal Service Loan. Not aN ATMs may aotispt depodta. There may also be limits on fire amount of funds udtich you may dapoait in oertafrt ATMs. 12. PLUS SYB9'E#A' SERVICES - • ATM dthr-wu may tie your ATM CARD witit your Personal tdentifkat)on Number (PIN} ~ any PLUS SYSTEM sutontated teUu machine (PLUS SYSTEM ATM) bcebed Eva>ottout Ete United States, Puerto Rion, Canada, (3rsttt 8rpairt tsid Japan to eor-duct any of the loNoMrirtp tranaeictiorie on the aooottrta aotxrasd by your ATM CARD. a) Dstsnnia ttte aoooertt bderios(e) of you- Chedcirtg, your Regular Shares, and your Piraortsi Service loan (PSL). b) Wtihdraw cosh from ymxar Cliedtitg and your ReOufar Shares. c) Make s cstsh advarmce from your Pararxtsl 9arvia Loan (PSL). NOTE: Daposib ors not avaNSble thralgh PLUS SYSTEM ATMs. These are Ere STAR SYSTEMs sermrioes wrrontly available through the PLUS SYSTt~rl rtattwxk ~ services may be offered to the future. 13.OTH6R ATM Nl:f1AfORt( ACCESS - • A1'M Orly -From times to time, PSECU may make arrartgenterib mMIEi char ATM nelwerks to prantt ao~ss to ATM CARDs. PSECU shah tnrorm you when such arrerperftstas me made and dasciibs the aervloes that are svaileble tb yotr. Any dtar'Oea wNt also tie described. T4. PURCHASE 71TANSACT70NS - /iiTi/ Onty - wu may use Ere ATM CARD to purchase goods and serviws ('Purdrses'~ at spy retail estabtiattrrtertt ('Merchant) where ATM CARW aro accepted by sndt AMrcharu. Ttte arnotstt of etti such Purtlhases wlti be deducted from your Ct-eckirtg. Wttsn you make a Ptucttass ualrtg Ets /R1mA CARD, you wtil be regwalb+g PSC-CU to wiEdraw funds from yout f`hecdaig in tits amours of the Purchase end discaktg PSECU to pay these furide to such Msrdiattt. is. UMrrATlOli~ ON Tt1E USE ORYOUR A71tt CARD - • ATtil Oaty-Ybu irtay mNttftdfaW up t0 5500 per day from one of a combination of your aooc~rns by uairig a ATM CJ1RD protrkbd the funds are averl•ble at a STAR SYSTEkb or PLUS SYSTEM ATM. In addition, you stay wNitdratirlpurtypgls up tp SS00 at poiiN d etW IOCations. PSECU reserves Ere right to rsmitres Elie daiflr Nnti< at any Erne. fn the evmarrt that your dstiy fink la teas than SttOO, PSECU wit advme you d the new rsrtitattion. The day for witiidrasrd MnNts starts at 12 niitlnigM seat day and Bride M 12 midnight Ere neon day. For sacarrily purposes, there are also krertatn dally lirtitstlorts on tM frequerwy of use d the ATrtrt CARQ t-lowsmror, Ehese IfmNations are riot revealed tnr security reasons. lire Pertnsylvartia Slate Erttployaes Credit Upton is not otrYged m maintain such KrllrraAlorta. You mlYflf be denied use of your ATM CARD ff you exceed the daffy rvstt~awttYpurchase 6nit. ff you do riot have adequate ttmde avapsbte in your account, do not enter the correct Personal Identification Number (PIN), or exceed the frequency of usage I'unitation. The receipt providetl by the STAR SYSTEMS or PLUS SYSTEM ATM or Merchant terminal wiN notify you of the denial. There is a limit on the number of such denials permitted. Attempts to exceed the limft wis result in machine retention of our ATM CARD. The number of attempts that result in machine retention is not re~~2aled for security purposes. 16. ERROR RESOLUTION PROCEDURES - ATM, ACN and SST - In case of errors or questions about your transactiorms: Direct inquiries W PSECU at {tm0) 237-7328 Nationwide, TDO (600) 472- 1987 Nationwide, {717) 777-2100 in Harrisburg, or write PSECU at: Pennsylvania State Employees Credit Union, P.O. Box 67013, Harrisburg, PA 17106-7013, as soon as you can if you Mink your statement ku receipt is wrong, tx ft you need more inftxmation about a transaction listed on the statement or receipt. PSECU rrxrst hear horn you no later chart ti0 days after it sent you the Nrst staterrtent on whktir the problem or error appeared. lbu moat provide the iolk>rvlttg information: (a) Your name, ac~kmt number, and ATM CARD number (ff a ATM trartaaction), or reterartce renumber ('d Self- Servics Telepfwne Tfergactiort}; (b) Describe the error or the trartsactbn you era unwre abot,rt, and explain as cNerFy as you can why you beiteve it is an error or why you need the irtbrnmatbn, and; (c) Ttw dollar amount of the suspected error. N you tsp PSECU oratl~ you must sand your complaint or question In writing wllhii 10 txm4iees days. PSECU mrrtil Wp you the results d the ktvestigetJon wkhirt 10 bkrairass days for STAR SYSTEMS, PLUS SYSTEM, ,. SELF- SERVICE TELEPt-IOTJE, Or DIRECT DE81TrCREDR TRANSACTIONS, or 20 days for STAR SYSTEMS purchase transaolions. ff we mead more tune, ftOVraer, tae may talcs ~ to 46 days for STAR SYSTt7AS, PLUS SYSTEM, SELF-SERNICte7'EiEPFtDNE, ort31RECT DEBIT/CREDf1'TRANSAGi'IONS or 90 deya for STAR SYSTEMS ptrredtttse hsrieaetions. h PSECU ~dek~dss to do this, s wE recredit your exotxd mlrititii 10 t>ts#tass dy+s br the antorait you @tiilc is k1 strut' M tt is a ST7fFt t31^STEMS, PP US SYSTEM, SELF-SERVICE TELEPHONE: or DIRECT DE81T7C;REDI'F transectiorr, or 20 bueitsss days ff i< fa a STAR 8YSTElit$ ptrcFiasa tlarMaC6on. Vtiu mIMIM Have the uea of Eie rttdiay dtairtg thstYtte k ttllole b a EM irwestipadgrt. p PSECU dcM root nrxNe your mrrtprktt err gttaYoo h w~np ielddrt t0 btaiirtass dsys, PSECU may not reknterJt your aosooatt t[ PQ6GU dsddls ttAa!a Fs no strop you wBl be advised witfHn tlt[se busitess ~ alYrr tlw irartta6ytaMon h carrtplebd'!bu may ask for cxtpiaa ~ the dotxittarls PSEC3U tsted h tM M++ratigaEon. ff PSEGU aetllts your aoootslt wMN ktiYp, you rtwst repay !hoes fundlt ff PSECU coridudss rw srior iw oootaled. 17. ATM 6t~GHARt3E - H you use en ATM Eiat is not operated by ue, ywt may be cFiaryad a ise tiY the ATM operator and by any riaEortd, rttybral a Ica! network used In procsasitp Ets eartsarstort (arid you may bs charged a tae (or a balance irigtriy ewn,tf you,.dp trot oomplele a fund transfer}. The ATM surdiarga mNQi tae debited from your aot;oirrtt i< you elad io r~triplete the transaction. Notice TO ConsunMrs UaNtg ATwrs • ee alert ~- your surroundings. ff You doubt the setsty of a particular location, ctooss ertoEter ATM. . • N Eis ATM hoe an entry door. clcae Ew door prior to inH~tirig your trartaactiori. • Put your kxteh away itlntedfetely • Direct aompidrMS oorwsrnitg ATM ssoursy to an apprcprtate depertrrterit of tt-s owner d the ATM. New Jersey rssklertfa: you may cati ttie New Jsrasy Deparhnertt of Bsrddng to (eoej 29'1-7'272. Far those ntetmbers who purotlase a vehicle nttder the ORIV Program, please review the following FTC Notice: ANY HOLDER OFTHES CANSUMER CREDtf CONTRACT IS SUBJECT TO AU. CLAIMS AND DEFENSES WHfCH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF C~CODS Ofl SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER 8Y THE DEBTOR SHAt.I. NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. ' ~~~. Q W J Z J ~ ~.. u io S _ ~Sv N ~~8 ~~ ~~~ ~~~ y3 ~~s. °sE fV 7 v~~ m~ p1 N ` E ~ l~6 d ~~~~ c a u eo ~ ~ ~ ~ v ~ ^ .. ~ ~ ~ ~ o $ W { ~ C S ~' ~'~ ~ ~ : ~ ~ ~ 8 8 ~ s °° .~ ~~ ~~ a ~ ~ ~~.~ -~ ~s y ~~ ~~ ~~ ~ ~ ~~ ~~~G ~~ ~~ ~s~ ~ ~~ t ~~~ ~ Q~~ ~ ' ~ ~ ~3 ~~V ~~~ ~~~~~ ~,~~ ~~~~~ s .~ ~ ~ ~ ~ ..~~ ~ ~ g~~ o~. ~. .~ q CCC ~ ~~~ ~ ~~.~~ ~ a a~~ ~ ~.5 a~ ~~~ ~ ~ ~~ n~p5~j :sue '~e~a~ywy ~3~ ~~o~x ~~ yw 1L Mr-~a.84~ ~ ~v O ~~ ~~ s~ ~~ ~~~ ~~ ~~a ro N A g~ ~~~ e~ ~~~ .s a ~~ ~~~ ~^a T g ~ ~f 6 .rs n s$ s.s8$ssg$s$gs$sss~ 8D9A9ti9liAil~ftiifiDQQ.4D A ~._ ~~$ s~ ~ ` f„ Poopp f ~ ~O O ~'1 q Ml f O~ooppf f ~ MJ O ~/ n O S O f .. .p f of N U! ~ ` srj ~~ NMj ~f N N N N N N ^ NMj ~j N N N N N N NNMI NNN N ~0 N b/V ~: N N N ~~~~~~ ~~~~~~ ~~~~ N q~Y ~1 ~ 3 ~, M1 Y7~ f f h YfHf f f a~ OOgb N ^ NhN ~ ~ a ~~~~~$ ~~~~~g ~~~~ ~ ~~~ ~' '~ M ~ o N QQo N N N 0 N ~ pp eti~OrnN Gp ~~yb o~Of.+Oi nfi Go ..pp o~DiA N O~ ^ Q ~ ~ ,.~ g ~ ~n 4 ~ ~ g~ 3 $'d ~ V ~~~~~ q ~ ~ ~~~ ~' ~ ~ 5 ~ ~~~~~'$ i ~~~~ M~~ccMNN '.~~ ~ p Q$~ gvV25x~~ 3 ,~~' J ~ ~ ~~ ~/ ~ p y ~ b 'NNN N? ~ p 4NNMN ~F~ Cs Cs sC cs J j j J ^ J ag C~N~ $ ~~ ~~ ~ # ~~ ~~ ~~~ ~i ;~~ ~~ ~~ ~ ~ ~;: ~~~*;~ ~. ~ a~~ ~~ ~~~~~~ ~~~~~a O x g • '~ 9 .. 5 e EE• a 6 le 9 ~ e e 3 ~~ r~ ~,_ _... `~ ~~ e ~. €8~;~~~. oE~ i h vcg~ .~3wyS~ .~ C M$ C ~ C y T X 3 O 0~ t77 ~p O ~ G 3v^~ jai E ' ~v"o.5 ~Ei sa ~ n 8 ~,~~~ ~. ~ a~ .. aso ~ pr- °.~s.8 ~~°~. ~ ~ ~ a ~~~~~ ~' 8c~'o ~, _ ~ w w ~ s ~ ~~ ~~8 ~ ~ ~,~ ~ ~~~a~~a~~8sgaagss8a°~~~~~~r~~~ ~ ~~~ ;~ - r..wrrw~rrr N ~ ~~ ~ .~a~ a ~ ~~~~~x~°~~~~~~~~~~~NN~sa~~~sa~ Q ~ ~~ x ~~~ ~ ~ ~ ° ~ s~~ ~ ~.~ ~~ - ~~ ~.~+tN O. ~~' ~g ~~ 5 ~ O C~! ~ ~ ~ e~~-a±~-rrwrrwre-rrwrrrrwrwrwwwrw~- O~ O ~ MN ~~f.s A C ~Y ~ ~ ~ ~~ y~ ~s.~ .~ ~, NN ~~yy QQ p ~. ~ .S2 8 ~ O~oi~F1N ~r ~N g• !~~~{{-Y••1 ~QQ~jj ~!f OAp ^ ~~ l0 ~ ~ ~ ~ ~f ~ r ~!~-~l~~h ~~N~~~NC1~Fj~~NF/,NN~ WWW ~ ~P S ~~~.s y_ p' p pip oopp~p - !+~ O ~ C~ ~ r M P'f ~ ~[/ P n iD A ~ ~ ~ .h- ~~ m ~ a P fV N~~ N IV N N N N /7 g~~ .~ ~~~~,~~ ~ ~~~ ~ ~ ~ ~ ~~ .fig ~ ~~~~ W ~ ~~~ o a~o~~.~ ~ ~~.~ ~~ g ~$g ~~ ~ $ ~~~~ T ~ O ~ ~ €~~g~ ~ ~8~~ C ' Z' ~~~~~~ ~g~ o ~~'3~Ng ~ ~~Oa~ ~_ C,1 V ~~«~~.C a at.sS EXHIBIT "C" .,,:E I SIGNATURE LOAN ACTIVATION NOTICE '~~" ~ I January 17, 2006 APpNcant Reformation: SS #: 187-58-9587 Ref #: 510575 598 Approval Amount: $10,000.00 'Account Number, 8401864379 Signature: Y aclmowledge receipt ofthe PSECU LOA~NLINER Disclosure and Credit Agreement and agree to be bound by the terms set forth in said agreement. Signature o ANG J CONNACHER Date SIGNATURE LOAN OPTIONS Purpose: Please select one of the following Signahu Loan disbursement options: Send a ^ check, or ~ deposit to my Share 4 (MoneyHandler/Checking Shares) Please select one of the following Signature Loan repaymart options: Applicant: ANGELA J CONNACHER Work Telephone #: (717) 787-5699 Home Telephone #: (717) 350-0435 ^ Payroll Deduction ^ Home banking ^ Automatic Transfer from PSECU account ^ Self Service Telephone I~Coupon ~ ^ Direct Payment from another financial institution . ::~I'ilriE issuedi: i~i:~::~i i:: ....................... ...:..::.:.:.: ...:.:.:.: :.:..:.::.:.:.:.:.:.:............:. ~?........... ELA.d..f. -58:9.&7.1.... ~. :: $iinQ~iei nlicank...C~NLV . CkiER.AI`1.G :.:.:.:.:.:.:.....:.:. .....5 .. t..................... •C.........1...tYC.:..::.:.:..:.:.::::'.:.:.:.:.:..::.:.: .....................: :~.e~rsiori:•( r v S ste n 0 ! 0 614.1 1 _ -- -- - --------- ..............:.:..::.:.:. ....................... . ~... 4P..RY.4.....Y....m 4.... ~ ..~..Q.....:..~~..~..... ~• :..; :. ;..; ;. ;..; :.:..; :...................~...... ...................................................... :.:.:.:.:.:.:......... :.:.:.:..::.:.:.:..::.:.:.:.:.:.:.:.:.:.:. :.:.:.:.:.:.:.:..:.::. .... .........: ......... urrant•St ~.: ~.; .; ..... App~cationReceived:01l16/200E•~:~••-• Time Received: 14:15:51~•~~~: A • • .; :~ • ,, :•, ppfication ID: 510575 Branch: Source: Sorce of Repayment Secondary Source of Repaymenk Pf°dUCt App~cation Loan Type: Purpose: IMPORT -1 - A.4 A.NA. Ar A. A-A.4 A. A-A-4 A-A. Ar A. A. Ar A-A-A-A.AIArA-4A.44.4A- 598 :;r7i' Cross R of #t: +Vt. A. A. A.Mt~A~A. A. A-A~R~Ar AI A-A +44Ar A.A.MA-Ar4A.A~A-A/J.4A.A.A.MMA. A-A.4 Ar Ai R. R-A. A-A-NNA. A..44 v4 A~A..NM.U AiMA~A~A-A~Ai A. 41i A~4d-A..N A. Ai4 A~NA~4M4A. A~4AI A.44 DL • D~ect Loan -Signature loan (19) A-4A.M4A~MA~A~441-A.44Ar A.A.A-4A. A. A. A. A. A-A•A. A.4A. A.M A. A.V4 MM\~~ R : ~x ~ Preapprovel'? ... ....... +AI Ar I-4.u4A. V A.4 A. Ar M4 ..A Unsecured loan • Purchases i•::•::;:::::•::::•:::::::;:::::: Unsecured loan • Debt Consolidation; Unsectued loan - Peraonal~:•: ~ :: : ::::::::: ::::: :;:;:ti:;:: s Unsecured ban • ReFir~nce: ~::::::~: ~:: ~~~ ~~:::::::::: ~i :~~ :::~~ ::'~ s s ': s :~ •: /~ i•J • 'AA • LLLS-S-_i1~-LU.1..-.J.f-r-et~e-.-.-e-.tf.e_.-e-~ ~ !. ~:~ ...~..t .,;~i ~:.i.•i t. :-ii&:.. :y-f:l • • • • ... .. Specific Use of Proceeds: SIGNATURE: ~::~~: ~: ~::~ :::::~ :~ :::~:: ~::•:::::•::: ~::•::•i:•::•::•cc•:i: ~:;::::::; :.::•::::::~::~~: ;: ~: ~. CredRBureau: Ex'aian '~'I ~•iShareApplicationlniormati'ori7 A144MAr.4 Ar.44MA.4AiM4AiA •• •••••••••••••••• Tide Fret Middle Last S ........ ............ Name• GELA :.:.:.:. •.:.:.:.:.:.: ~NNACHER ... .................................... Birth Date: 975i:~ SSN: 187-58-9587 ~ ~ Total Number of People in Household: Crt~'zenship: US Ctizaa ~. ~...........: ~ Borrower Type: APPGcant . ~ Spouse of Borrower. No Meal Status: ry ~~ Mother's Maiden Name: ~ CB PIN: Email NNA@COMC4ST.NET•::•::::•::::•::::: AKAIFKA: Foreign Address: • A 1 B ! U n~ ~ ~ :...................: Number D'r Street Name Dw Type Type Number Standard 126 :': ~ LLOW VIEW •..., .,. ,.', ~~ pR ~~~ f` Rural Route Route/Military Type: ~"~ Number. Box r' PO Box PO Box County. ~ .-~"`' __.._ Line 2: Cdy LISLE : :; State: pA Zip: 17013 -8479 Provnce: Country. ..Postal Coda T'' ~~'' Phone: (717) 350-0435:: Ext Residential Status: Own - mtg ~ Time at Addresx 1. ',':©':,'•. yrs ~ mths Ceqular: (1 ::~ ~~ ~~ :Phone number ver~ecl.:~: i ~: .. . •: •:: • ::. :..: .: .: :. :. :..: .: :. :... :Address verged.:::::::::::::::: ~Appficant's me~rrQ ad~ess.is the same as the~current address.:::. ,;Collect Previous Address Information. Underwriting_Review 6/19l200710:34am -Page 1 of 8 Position: CLERKTYPIST3 ~~, ~~:UnemplStudentlHomemaker ........_......._.._._.._ ..............._......._.._......_..._......_..........._. ;:Active duty military member; ;.; ;: Employer Name: PA BOARD OF PROBATION AND PAROLE Phone: (717J 787:5699;:: Ext Cit ............... ._._ ..; ....... ............. Y • . ; •:; ;;; :;. • :::• ;: State: :~• Ver~ication Phone: (J - • •ti A~4 .. ....:. .. Borrower Code: Non-Employee Loan <',~ Tnne at Pres. Employer: 3 •©': •:;. yrs ~ mths A.<iA.A.A.A,{,A.A,I~A. A, A, Ar A. A, Ai Ai Ai A.4A.MA. Ai t~A. Income: Pa Basis: ~ Proof of income received:: Gross Salary: ' '''' '' '' '' '7000Q00 ............................... ............ • E ent ver~'ied. • • ... ......::.:.:.. O T 1B onuslCanm: '::'::':: ~ i i :;: i i i c 10.00 Annual •A ~ I ncome verified.::: ::; ~..~ :.. ly ~ :................................. ................. Source :.:.:.:.:.:.:.:.:.:.:..:.::.:.:.:.:.:.:.:.:.:. Other Income : :::.:.:.:.:.:.:.:..0,00 .......................; .; ........ Annually .._...__... Alimony, child support & separate maintenance income need not be revealed if you do not wish to have it considered (~:Coflect Previous Employrrbnt Irrfamation•;:;;; Housing Pmt: ' :;1100.00 Other Expenses. ;:,~ : : : :;:::;~• Application Loan Pmt ~ :':19 Total MonthlyAdG ;::: y ::;:: :;: 0 LC Proj Debt Ratio: ;?':;:•:©;':34; Total LC Pmtr. Current Appication Factors being ub'Czed by Underwriter Hauirg Pmt ' i;110Q Other Expenses: t:~::::•:: • ••:::: "3 Total MonthlyAd~ :;:;:::::: ~ LC Proj Debt Ratia ;:;:: 34; Monthly Income Sum~y Gross Insane: t OT/Bonus/Carimission: + Other Income: ~..; = Individual Total Income; ;;,::;::::;:5833: Canbined Income: 58 Ratio: Revolving Debt HousingDebk ;:i;:ii1S Total Revolving Line: ;::;: 267 Net Disposabb Debt : :;:34 Appication Loan Pmt t.; ;.::.: •. Total LC Pmts: j„~: i;:i::688 Residual Income Surrwa~y Total Income: ~- - Residual Add ;:: f::;:1)• • TotalAll Pmtr. 2920• =Net Residual Inc: ;::;::;::;::;: ;291 Net Disposable Insane:::;:;::; ;::;3846. Underwritin~Review 6/19/2007 10:34am -Page 2 of 8 A S1 Debt Ratio: ;: :4T LC Debt Ratio: Total S1 Pmts: : ;292 S1 Proj Debt Raba Original Application Factor: used in Automated Decisioniny Product: DL -Direct Loan -Signature loan (19J `~€ # of Payments: '~ ~'~ ~'65: Payment Period: Month) i'iil(: Total Amount Financed: ;:: : :;10000.00; _...,~ Total Collateral Value : :::::::::::::::::::0:00' Combined LTV: ;:":;':.•;':~':;': ...';.'•':;':.'•0': Estimated Payment: ;:;:;: : 199.37' Total Debt with Us: '::'::': ~ 10000:00' Current System Decision/Recommendation: Approve;'::"..'::~ I. _........':::::':.......I Decision Party: Applicant CONNACHER,ANGELAJ (187-58.958 AppGcationScore:197 Cutoff: ;:195; Score Summaru: ' Borrower Bureau Modd Score Miss' Fields CONNACHER ANGE Ex rian Ex rian/Fair Iss 0596 CONNACHER,ANGE Ex rian idCredit Final S 197 0 CONNACHER,ANGE Ex rian Li idCreditA S 37 Manual Loan Number Loan Number. ~r~~ Suffac ., Reported Amount . •:0.00 Primary Coflateral Coda Loan Date: Di:br,asement Date: Maturrlyr (Duej Data ban Down Pam 000' F~rrrds Request: N~ N . ., New F~md4 Amt: :10000.00, Payment Type: InataNrrrent InterestAccruat ,4etua1/365M MyY Payment ~;~;~;~199.37 Total Requested Amount :'i10000.0U Requested Rata ' '•... 0~000~• Final Payment ::;: :199.3 Loan Amount ' :':1000QOU Interest Rata ' '~ Maximrm Term ;~:.,'':':;:":;.'~':;:.'•;':11 + Total Frranced Feea: ' ::'~.OQ Irderest Rate Lookup: C: Use Deasan party rate. Rate C' Lack rate.~~~RateLodcDate:;;:;~: + Total Financ~d Insurance • ::1].00 -Total FsrancedAmt ' ::10000.OU Type: Fared_._.~ Underwriting_Review 6/19!2007 ]0:34am -Page 3 of 8 EXHIBIT "D" - ~ Pennsylvania State Em~lov~ees Credit Union P.Q Bntr 87iDf3 • Harrisburg, PA r7ra8-7ar3 • (7r7) 234-8484 Harrisburg, f800) 237.7328 Nationwide the Anancia! Hnks Loan Disclosures Tlas lt7APi1.WER' Credit and Security Aprosntertt, whidt irtcttdea the Truth kt Oiscioetxes, wlf bs misnsd to as tlw talart. The Plan docwrtsrtts ktdude this thePan~Crsdk uMoe. we, ourYand ups mean PS~ECU w~ ~ ~~ ~ ~ lkNOn dilYlelete ~ ripl>ts uttdar ~ Plan artyona b whom the Credt HONy Ttt18 PLAN WORKS - Tlw is an open-erM, mupi-featurod credt plan. Wa that, from tkns b tkrts, you wit borrow rrarky (caisd'advaetcss') under ~VMti aKr trot ra~gt>ItadM fttahe adaartoes to you untlar tfN PUn slid slur rduae a rwieeast kr an adtaaras at arq little. The Addartelttm rteactitiea the dahrwtt typse d ondlt (oaied "sattoootaMS') avaaable urdw the Plan, ttts ecursrtt irl0areet cafe toe each ert0aocolxtt expraasd as a. defy psriodio rate and GOn+NpQlfli9ll tttnfrlral rates and cltrsr n may abo have other Mane and a actNdrAP rrletMektklp the paymrett amotarts. f~ilEpT I,MNT -1~ ata~ taR do trot have to; satattiatt a cretN ~ on carldrr wblgatlulWR. M 4 dMtll intlt k eat for a subaooottnt yon ptorrties trot b ettcsed the Mhbiattad Craft Mbtp. K you. sraussd aN credR itilk you pnrrrrtee to ~AaY imntedahty the arrtaattwtiioh statseds the orsdtt iknk. 1RNr q_np~it ai aurottnhl yon ows tattler ate at tits tlms ai en advwtoe. N ate Aetdsltdrrr- ilea ne pagrritsrd echednla br a arrbeooonrr, ypur pmt wti bs dataradrred at the lima of each adVartoe. Fieymettia milt M+ofnde say aerarr-E Pad dw errtt Dry a~rirotntf .by~. viAtirer you haw alosatfad aigr adttrlrrt yoa.ttare oNn ~ far a su0eaaowr><alibtt may repay ai err parF d aAeM you ows at. any tfrrre niflitout arty Pr'aP a~ Evart y y~ct+ prepay,. you wN tltM 6e agried a stets INS'ragtileuh- sotlsdrdsd peyrrrsMa unktes wr apte- itt..triiirtp is a alwigs in. are sdtsdeta d you hew a etrrsdieAt attopnn~ you tMl bs nq~ si overdrart edvaroaa ahtMrted by a jaiitt holder of ate aheaadlaft aoooutN~a triitawlae ~equArerJ by C~ wA b. appisd to arraurrls owed trrtdsr Ms Plan, to dts rrtanrter the tlrrion eitooaes. ~~~qq~arbE,+N}y~~roanlltaeoreesi~ttti. Partyou ~tor~tban urnuMrw4•d ale ~pl kair lif~it/DSiitt otud. Ybu wE rat be M61s io- utaurtoriaed ws tlrt aooue ailtir yen Roily us, anNy or in wrlirg, d tats lose. a+aR, or P~oaeibte lrtatfd+ortaed utt R gait ilalere youor /~RnM/DM~ritr~psd isles pearl bet or ataler-, ~i~~rr~w~.~r, e i Pwr.Tf h. c.nd is ~ tdi u>taaadred aidrtlrroas drUam ale ttlartr you tkibitiy ttdf not starsed >i60: 0 the uneutiarttad rrllhOgiMtlt is bnea • aAetuiraft aoaotstt, s~ tili~iy k p~the Aspttlatlon E dCtcbwras you neid at ttr tints gnu reatlliiad yrtlar~~Debtteartl. awn i the wilydraiaat rraftIIs In ah edr~nos ttsi~p nred6 Mrrn your owrdntR subaaoou+t. IgNAMCR dut+~fl - Tics dolls atootatt pau p't4r for mrxtsy banwett fe eaisd a '7YfartOe.Cita~' slid hapitat oa the daea aI eedr adYarca. A ti~aftoe Chaps wif ba aoniPund aaperMeiy far sadt separaM Minos under die P{en. Tb oomptrts dts Iktartca ate tatpetd tielartoe for eaioh day alnos your tept payntant for sires tat aiMrptpe ~y~44uu htalenotyat lasers peyrneng is naaipNsdby thra~sb1s dWy psrkldits ta1R Tts aaat:d less amotngi b die irttrtos ttftlpljl! ow~sd.`Rte batatoe toed lei oswldtM rM ~rlhnoe.aHMrar 1z lire uttpaid bailr3ot! ash db rttsr payatsrtba and iq tltit YalNwpi- ltatre bean atrlWlcelsd alts Arty a>~ to #+s b tttar#reiniliiallu., tlrlt~fea1oNSferetwsmq. Dater drarbas era dlaeleaad l! trtis rfM. a vatleble ktteteat rater, the a~aurrt-.~ d~iLiiriaiid,411 _._.~:__ .. !laLaipglgtEl- ~•-..'rbu. as aaoarlgf for d>. Pwrt rot shares and dlvkkcwa and, i r+K al• deytoaMr and (o Mt d ]]ppY~rt and UtdiNdtte! aonatata yott haw wur w now and to ih talaas, t t.apsoNfo dittwu arriotatt b pkidgad br an advainos. we rtM trsevas ahetvs; trt >fatt aasotait b the . sraa+t of ilia ~+tp' baWtgis for dts athataw Qdfsaw.le4r.: plnt~ed plates tnair be nMttrdiawn t d ssYlrs fwu acs a+ dehu~.1lti titlli~t~tipltefltdplk 111 a~ altilor tlilteept rr OIti0. JiItoQR and, >rsatt 1M abd'loMetiaet;b #iltdlYidcfnianti jolill aoeountsyou haw toll" us and matt saC ti~w rtrtdq tits Iirr fo tits aadertt pstmtt6sr_ t~ etat;a later (WWie err state cbiiflefetl M ottr ttente dole not inWUti. tits lean 'FVderat CredN l)nion. iron aM baree!twr~7hs afrptitiry Mirr artdltx yts<rr ptardpe wpi atiaw w toap~rtrfutlda b yersaeoowrt(a) b whdyoa oMrs what aa~s In tiatattR. Ths aiahAcuy fen and .your pkrdps do rat apply b any ktr# mud Redrentsrtt AoivtaM a~ Diller acctiaatt thect would Icae special tax trttetment under etas or federal brw R D~ as eecurky. AddNiOnd tpxi~ br ate Phu may be tttquked at the time d an advance. N a subacaocrtt W,ngiies a d property (volt as 'New Cars? you moat ylw that typo d prt-ftsrly q s~ when you pet N adVanos rJrtdar that subeextourtt. A subaoeocatl name such as `Otlter Seeurod' means you must provkle teCUrlty ta~Ota b trs whsrt-you otstakt art adverse txtder that scabaocount. Property you piw u securly w11 aecwe ai amounts owed under the Plan and ai other bans you how rdat us crow or b tM hAUrs, sta;spt any bar' secured by Y~ p~fa dwelling. Property aaotakcp otMr loans you have refat us msy also secue the Plan. CRtpifT' ~!lIiANCE - GrsdR its artWor credit disability irtaurance is optional under die t'lert. tf you 4uea-Y br and purchase the irtsurancs from us, you authorize us to add the ktstuarae premiums martttty to your loan balance and charge you Dew runact scow tte4yt eti ea. w err. tN. tees m. at, oa. a, o;, err. acsrcrs ruseavEa MtaASt on Ihs entire balance. If you elect credit ktsurance, 1~ PaY^~ ~ irrcrsase or ftrt period of limo neosasary ro repay your advance may be srRSnded. The txedit insttranca rates may cftange during the Pfen. R the rates charge. ore wit prorlds any rtodees required by eppacabla law. PEliIODtG sTATEAAENT-On a rspc~rtr basis you rrAt recldve a agdarrtsnt showing ai ttortsacdcrte uttrNr ats Plan during the period oovand by ttts ataisrnent. 3tabntsr-te and rtodcss wit hs sent to you at the most recwtt address . hew rrdb to any b area rtodoe ro each jointbortower, JOINT ACCOtJifi'8 - H this b a joint aocorrrtt, each d you kt indviduifiy and jointly !or adl amartq owsQ That nteara ws cart arttoros our ftpftts ~Pian e~ariy ono of you ktdlrldwiy a apatrat aM of you iopeate, K you qM to ktoortaletertt ktatrttclbtltr, we can rokgs b follow your ktefrucaons. Urtissa our wrNMrt pcslicy ietllrMss M d ou~ for an aduanoa, asoh of you atMortnes the Ib tfbtelrt ad~rtoes and apnlis to rpry ad+rartaa made to tits d~. Any jortt.afoaoluwtawar Wray IsrmktaN the Plan by y1Vinq w pADr wrrilrrt Wallis. p say of you fsntkratar tM Pten. tlts Plan h MtatM'a/sd for all d you. You nrttatrt iabls Ftdlvtduelgr and jolrNltt for si advaraet trtouned beta. artrrinNon. f~l+trXl!19r'~ ~*'~' ytlti~ w a sstturtty IeittlrisY Mi grMM„ typp d t~i ws ~Y ohat~t- ~ a ~+Q:fia to par~rd our kNMwi h ttts groperrtt~~cc N ws dq the taufOrart o[ fife tae wN br dtaotbssd b you at tlts tlnts you obis" an, adrenbe. vw iAtgr tdw+cfr~Ipe~oaw free to oortrtecilm with atrPhrt. t~lx ounent bas are tltfflloalyd an dwi tit and wN bs added a ysur loan taeinae uroeea you Pair ttwa to caait. ., tJlM>WI?~IQ t MAN - Ytw prontfss dial yon wli pitw us wrlgorr noac» k gait mote. your name or ampioyrrtant, of M any atMr hiaarttiUort you protrkfad tra~ ~ our mgtrest, You also spree ro ~ prorids us updarod fktarrcial ktiotrrtstlort. OEWUICi -- 71ts 1bNowkp ~ a~eo borrowwtt M !t>)Mtq 1Csrrau. #falhs.nd 8eua, Cara~Alnr wit in it you do clot nratre . paymint d are arfnotatt rsgtrired when # is due. rbu wiM afeo ba h daYrat tt we beiaw ilia prgirlot~pal~~, of rseisadort on any P~tY >a~ as secruky is~TA+e~~ib~AotrtrpiiW,lirr~-- appMrt arMy ro baroww~s k- wraoataMr: Ybu wii t» k- dafatR 8 you faN to minis a paymarrt when due two grrtss durkrp any 72 ntortlh period. Wu wN bs b dMauR N braaidrtq arpr grantee made tattler the Phn otatsriaiy knpetes your abMily ie what you awe a mwrisMy kgpeks life oarxi9ort. vatus, or proteoiott d or our rips in +aty DroDKh y'~ !ice ~ I3'aM fafbrltirW ~1' ~ bortaMwt fn Itrtttr: ttw wtN bs in tiatatlk i yqu dD~t wlKr life Nrrera ot~ and you tetMxs ~oomph- rttFilfMieNi! ~ ~ t>roPaty t~ tiaw ea sstsuMy ar you aMiY tc r'ePr-Y whet you ows under the Plat. TAt par+iptli~apeMNes es bortvtaers >rt as oEfiar afuar: Yblr wiM be b dafiark d gnu do not trtiahs a payrrwtt d ate amount rttgtrirsd Than i b dua.lfcw rrii bs in dsfwR rf you break any premise you mods order 1M Man or tl anyone b M dataarlt urdsr arty ~Aly apnesrrMnt made M oortrreretlon'rrMh an advarws under ate Wan. Yb~u trii bee h daiiuR.lf you dla. lNs br baoarrre tr-aolrsrtt. q you rrlat• aM isles or rttialsadklp wrrtr.rtla in arty cn~iomon.or updams. a «edt Wit.. of.~.?t4tpsdMrtr httppsrrlr we, b+iitva n+at- «~balltntlalh- "dove ab~r b repay what you orrr. ttw wH bs b deriarlt i any Prop+rNr >~ -~ us elf k reposssssad serasorts she, sstmad carder a brlellras or sknlMr half; dii k ~iy~if~ raise ittpf ~tMl~rtlll- alMCb IfM ta11rr11 at die or ow rreagt~/Ialer~ert w iG~ aft+o be to detwa under th. Phn if you.n kid. ult ttnller any otter bat aprparnertE rridt ua. ~ .Q~!#tS.T- I'Iar ttafbtrfgq plArappidae b battotwre b ~ofertae)ifltlihlr~la.of b11M4KartrlR ifeesaaaiasNfdAfTrseriri; ~, ,1WrrrMi Ciiroiiaa~ilrtrtt VMyikWr When you aRr K default elect aAsr arlpirtiMoirtd yotr here tttdarappiOrbtfa etaM ktar b afas your dafwlt, we Dan in~p~t7att d fie sulks unpaid gstertoe under errs PMn tptatout ~rtNOn~sy hws rsquNe imre>edeM~ Payrnarl (aooalaaaortl oftlta eedbra catpaid balatoa underttw Plan.lbu weirsany dphtyou haw to darrartd for payment, relive d ireertt b accsisrab and rtoMos d eaosktratfort. 71» k~Nbwfrg pa-ayraphe>PPy !b borrotwra M ap ataNt afaapt 1~9eeorrrtn end GOedNarra: K krrrtsdaM paynrsrtt is demanded Ya+ wW Contlnlre hr pay kssreel urgi at IM~deMup rate dlsdoesd on Itddendunt.dsmend has been made, your shams ettd/or dapcds Can be appfed towards what you owe as provided in the eedat above Cased 'Securty. Wo can also ercerCiee any. other riflAta phrert by kav when you are fn dshuft You spree the CredR Union ties the right to talcs possession of any Property pNen as aecurky under the Plan, without judkdal process, tl tltis can be dome widtout breach of the police. q we ask. you promise m deliver the property at a time and place we choose. If the property is a molar vehicle err boat, you egma that we may CPSMat PSECU FORM t3i48 LOAtJtlNER' Credd and Security Credit Agreement (continued) obtain a key or other device necessary to uniodc and operate it, when you are In delauN. WB will not be responsible for any other property, not Covered by this Agreement, that you issue inside the property or that is attached to the property. We wig try to reNm that property b you or make rt available Nor you to clakrt. Altar vve have possession of the property, wa can seA it and apply the money to any amounts you owe us. We wE ~ you notroe of any public dspositiat or the date alter which a private effort wsl be held. thrr expanses br taking possession of and selling rite property wid be deducted from the money received from tM sale. Those colts rttalr hteAtde the oust of storing the property preparhtg k for sale and aftomsJls teas b the extsrU permitted onset sbtte Jeer or awarded under the eanirruptCy Coda. rbu must prig any amourx that rerrta4ts unpaid alter the sale money has been eppAed b any unpaid under the Phut. You b pay interest on that antourtt at Uw same rile as the advance. or. t ap~a1 the defaun trite dieoiosed ort the Addatdtsn; tr-tY that amamd flee been pskl. TiAt only b lyletaorNsrt isorroanr+rr: What you are in d~~~irx p~syrtt~em ot~j~otx~otAamr-d>rtg ate Plan std reek. poasarbn d property lll+-a- ~ ~ ~ ~Y 9a+ ~ propNy b ter, N you choose, or we may seek b tab possession of the property by ~tus. It we +ePo~s ~ proPMX Y~ spree b. DeY h dapoaktg o/ the Nate p~opertyy is a mobr vetticte. mobile bottle: tracer srtowntabN, bond or a raft, you wiN strobe requked to pay any goats pern~dttsd by Secfiat 422.419 01 ate tANoohekt . Nou mull psy any amoutt that rernairts tx+Itdd adlar the saN money has been applied b what you owe onset the Plan. lbu agree b pay itlsnri an any rnrpeid amount ~ Uts sttrrta rata ere eta adrartce, err, d appeceise, at the dsArulr'rata dfacWbed on 1f+s Addendum, until nrat antorrtt is paid. n the is located oubMls wisoondrt at ate tlme of detauft. ws may lake pates Nntgb ot` the property wllhotd jut2cW prvicerss, if permitted by ate stele where rite property b located. Tlrf 1biMo11aUt0 pengniph wily >b iotdaN>•JI 0orrawws: Wizen ytxt are in ddauit, wt: qa1 roquYe ftrsttsoiae poyment (ecpiareidon~ M ins erttare urtpsucl belenoe taldfr tits. Ybu wttdvs any rat ytw haw 1o dement far pnyrrtent, notice of Mtlettt b aocatstaN and rtotloe of aooaisratlor-, N bnrneoiaf• psytrtent is donAatded, you vim rfattarure b irKersat uNe what you ovva has ban repaid at Ulf ltlanra rsga in NNacl unless a d~tndt rate is disaJoeed on Ass Adtiira demand for krierwdisle payment flat trakrt tracts, Useyoauhnda arts ~ a~oNrtlls sty oUrtr~iiglae gMn br law wfMn ~ dsfatik and our rt~rle tatdor try McurUlr+ItprarMrtrq yvu ltevt with rte. CAtfO~l,RIO OR tifiAN~NRii Tf~ frl,Itll -- Tyle tbNowlnp p~arsdrrtplr a~gpflss Amt Mnte~ ktgerty r r~epu~MS~daby ~dddmrgs b Use. irtlatvald rate a atitsr dargis rrM apply b fukrs advances. i~ ~ Ate alpplfae o~ tie aorrvarrwryr hr M7aoarralrx We can ch.ergn ttte uataa a1 Platt from stmt a Ulan in Ileeatdan011 +eJAt seenon 422.415 of Use lftrrkilert. l~ba trrM)tis rtoMAed or any change to tents. An kmreaa h UtsM~padala:rals uadsr a wrisbte rata Mttarnt rate is riot oortsidend a b under Mts. Pin. NNe can oared Ufa sndre Phn or any pert of tits P11ut M +ntr dtrlealbu nM4-' oanod Use PMn a< any tktte bygtv~crp w prior tsripan rtofick lour lAlNgliflort b Ure unpaid bslartuee turtder 1Fk- "Altars of ill Pfau contlrsrsarrltsMNryou orthe antft union alriwN Use Plan. axnspE to the extent that Your NabMly is Ilrrthrd by 9ecUon 422.4136 Of the VMhoonsirt 3ldutaa. ~' - ~~ ~!' fo 8orrarws In frrlrlrr We tit ctuutga the isms of~ trtmt lima 1a. pmt slier gNvktp you any a~rutcs rtotics retyuksd by taw. A ohmjp- Mtot lrtcrsssss ins ale d fMtertce etitaege or aNMr chargr, Utat irtcneaea the arrrtrrxtt d payrrrartts. a flat otherwise adverssy aflscts ertieArtp b+NSrtoss ttdR apply b balerrcas arty a you apse to Use change a you use Use i'Iun NMr reosivig IhN your use of Ate Plmt rrwans you agree ass otaatpt apPMM b stdstirtg ttalancee. '1i~ittNpPB app 8i lilsrrbwrrs M ail blbsr s41KSt: We haw the rgf~foe. negta ~ by ~~dautge in the inDSrwst rate w/ appto fi~ihrra~id+ranoea, and at our dlsrtNbn and subject b any regritrementa of appticabie lave. will also apply Ia.trtpeid baNrtcss. 7M Airl~r ap/Msr M air btu MRsoonsNr bonort±srx An irtareaae in tt+e tr~ rafe~vlldar' a varNbM tttfertat rye ie not considered a dtenge in terrrra uMar Ina Ptln. yVs can cancel the ends Ptah or any part Cd the Plan of any dnte~ Ntu may oe:tost tits Pten at arty time by givkg us prior wrtiaert r+odiCe.libtx c4dpaUat to pay its utpaid balartcas ur-der 1ne terms of Aw Plan oontlnuea whether you or U+e Cntlt tfMort caeral tFw Pfrn, DELAY tN EfMrDflpNO RIt3M~ AND CttANfiiF.B W THE PLAN - We cart delay erdorcktg.ary of cur rights under this Plat arty nurrrber of rimes vvlatout being tM at7iky b 4arMOiM our Aghts 1~ Wb can enforoe this Plan agaktst your Heirs a tw>ii iortlra~ ua. ~ Use terms of the Ptah. you agree that this Plan IFt~TfbEfIESS - n part of ttss Plan ta determined by a rxttut b b0 urrrttaroabis, the net tact remsht in elfsct. #Jl7i1CE TO tRl1lf BOpROANlRB ~- This waitNn apreem~nt is a Neal expression or Urt agresrtreeU bdlrsen you end Ufa CredR Urtion. Thb +rrtllten agreanwM rtagr not be coribadtcled by evidaetoe of any oat apnerrwr-t. >M ~leiwetirl k nt)efrsf b wftrauw ter- -NOTICE TO CO-SiaNER -YOUR SiONATIlRE pN TNIS NOTE MEAilS TNAT YOU ARE EQUALLY LIABLE FOR REPAYMEIit OF THIS LOAN. IF THE BORROWER ODES NOT PAY, THE LENDER HAS A LERAL R16HT TO COLLECT FROM YOU. TM following paragraphs apply N you giw security fn connection whh an edvartcs under the Plan. They apply to borrower in aii steles except Loulslana. Louisbrte borrowers wUl exeetNs a separatt sseurtty agnertrenL eorrowen In other states may also bs asiad to execute s aparats security agreement. THE 8ECURITY FOR THE PLAN -You give us what Is known as a security interest in an properly described in any receipt, voucher or other document you receive for an advance C'uw Advance7. The security interest you give ktdudes ere acetssions. Aocessbrts are Ihirtgs which are attached Io or installed in the Property now or in the future. The security interest also includes any replacements for the property which ytw buy within 10 days of the Advance or any extensions, renswds or rolMartoinp of the Advance. n also inck~dee any money you recNw from selling the progeny or from hsuranos you new on fns property. n ttte vahrs of the property decWws, you prtarrtise.to glw w more property as security a asked to do so. WffATTHE Bi~ClJfIiTY WTEIJEBT COV~/CR088 COLLATERAL PRUVttiWNs -The asourUy inlarsat seams Uts Advsrror dacribsd h the nosapR voucltsr or any olhardoaintsnt you rroaity at Uw tTmt- or the Advarx» era any extsrtsbrte, renewals w n~ at fhe/lduttrtcs. R alto tJetlNlf irly oUrsr advartoat yrw hays now or reoNNe ttte futtlrt+s tpadse ills PNst arrd any other satourMlr or loans, RttktdMtQ Arty ortdlt Card wtnt; you aw w lion any raeear riots or in the ftrhns, s><ospt arty loan seawd t:y yow pr(ndMF nsMsnoe. n ill property i4 household goOCM a dsattad by Are fedtrai 1Yade Comrnialort CndR Practices Ruk, the prapaty wd sstxxs orry Use Advance and not other arrwuMs you owe. QANfIH~tI1P OP THE PROPERTY - Ybu pronYa thtl you own aH property you gMe es security or ll ill Advgrce is b buy ate ProPertY. You P YW +~, use AM Advance for Utat purpose. Mbtr p-ontlse that no acts else Iles any irtterat m or taaNrt egeinst ate property slat you ttarr not already told w about.latu prorrda not b sM or leas UN property or to tree ft as setarRy br a ban wMtt anoatsr oredNor urtlti Me Advartt:e is tspeld. Wu promise you wIN allow rto oawr sewrity interest or tiers b altaiph 4q,tlb pnopsrly Ntl1et dy your:#Ofi4ns or bJ- opM{Afott of law, . , PIgPERTY• N18liRANCE. TAXEd AND ~ - ltorr must rrtdrttakt Pr'oWrhr Ntetaaetes on aN propsAy flat you ytw as serenity user are Pint. rbu may p~undta ills itetJrsrtoe korrt anyone you otroose wjp b aocepmbls b tM Credit lJn)or-~arrtotatt end ooutragr of Uts property insurance must be aexteplabis to uf:littu tray ptwkle the properly insurartcs Utrotgh i PAY You akesdy hew, or e pdt~r gpt and pay Aar. Ybu promise b meka the inaurartce polbY m us a~dNft+sr fns pttdcy or proof of varoraW b us n aataed b do so. if you tJartoet your hutasrtcs and get s rehrra, trrs flee a rigt-t b the rotund. N the propsrb~- N IosA er xt' wa cart uea Ina kntrrartoe atMarnerrt b repaN the properly or apply U' what yvtr ows.lbu attlhrorhs us b arxiorae any tMatt or aback wt-iotr stay br paytttbia fo you rn ceder for us b ooesot arty rtrftutd or benalfts dtu reader yorr irnwrartos poNty, lbu also prorttiss b pay aN taxes and Nee (IMte ragfetraUort feet} due on Use property. U you do riot Mrs IatNrt or feat on the property rrfwrt due a krap ~ irts<rred,~tss mry 01gf UxrN ~, itut wt ap- cwt fequirod b o1o as Arty ma-t!r wt spera d4r tatoW, Never irtrraar+of wt1 bf AdtfsM kJ tHt unpeld balance of 1Fts aKMrIDe enQ you vrr PaY Ott oa thgae amgctnlr at the sen» wM yttar agnad b pay an ins adtartoe. yNa may recahsPaytnertti- in caxnoUon wlUt U,r~trJeurettoe inters a wtidt pvvtdas Ass irteUfarttrer. wrr awu- nrprtMOr oJStoantfoir lire .pturpots of diwun~frrp whsMtsr you era ORtetboniotsNtltM oaaplpdtNi~U~f Itt~rge ~ df+DU ben aprsentwMS. amlgtartgegirertsrsbrbeosTltftraunrrros edtiadbanatfwiarrwyltclliddi (~Ure ~inasrtoa M~~N~ 1o ueartdUtaoost ddsMnritttp complartoe the kt~r~rtos roof, K ter aed.trrttirrtlt for taws, Nee or ktatranos b the r~ w11t i~irrit aft IMr~rtei ~~ ep~ia~d aM~ ad a aUw r Ni1NCE f~lOiTIGE - n 7otr do not ptrchass file required ktsuranw, Ufa Ytedtantof tilts trray ptrofltttt trnd tatuge You ktr wAt.oawr ortytrrlenat to thr p-yrtAye Tlta pnmitan br ktie JMUOirtct gray be ltigitsr atoures tM kawartde cvNMe d fe~iosd~dame~ysdaTM M lea b+ Uab~lY ai^surartind rrpt nett satkify any atswdf tkntriofN ratportrlaMy a no fault Mnes. ' Pf~TlC7Rfl91 TtfE $EtrtNtli'Y HJTSREST - if ywr aisle testes a title br the piopfrA, yvu pttondef to hews tar leeway intent attown on the figs. vw may hav. m N1es Mra11f sated a Anandrtq stabrttont b prWrt3 ax irusrMl fiom A-s claMns d others. M silted fo do so, you prorrtiet b sign a data stalartsrtt libu aNa ptartia w do tntttttevrr s4e trre 1Mnk ie rtseesssry b prefect our scarily irtlanet b tM proper~r. You pra+ties b pay as aosb, M+cludirtg but rot timNsd b arty abUor~ney P ~ aPP ~esrxrrriry interest and Agfrts in ate PntPertll. US! Of PROPERTY - UrtfM Utz Adtnrres Iles ttsan paid off, you promise you wE: (1) lJse Use property and bap if in good rrpdt. (try l~6udrt our written alter tlteU-e Pn~b ut ~ (~~ ~ Y'oru' address• 14) ANotr Us b irtrpect tM property (fi) P-bmPdf- t» n eta propery is damaged. stolen err abtxsd 4~ ~ ua filepropsr br any urtlstwtut purpose. (7j Not to rotitle property kt artoUwr stsse wfthout MNrg va. JVOTICE TO NORTtf NIAKOT/t OORAaW~ PIIRGIAStWO A afOTOR VEHICLE - THE IYiOT'QR VEWJCLE U+i TH13 TRa1PfSACTION M11Y 8E SUBJECT TO REPO~E3Siif0lt. IF ET IS RlE'~$ED AND SOLD TD SOMEONE ELSE AND All AAgUNTB DUE TO Tim SEWRED PARTY ARE NCT RECENED IN THAT SALE,1POlJ MAY -HAVE TO PAY THE DIFFERENCE. NIDTICt3 FOR ARROHA GNI OF PROPERTY - ft fa twtlsnvlra for you b laN ~ reMtm a motor trotticif that N taJtlject to t scarily lraeneL tMatJrt adrty days after you have reahred ndbe of default The rtolla wig bs msNed b the adtireea you gave Ira. h is potr rasporwib>ply b notify us if your address r9tsrrgea. The maxinwm parse ~110~.~ ts~re to return a nabr vehicle is one year In prison and/a a This twaoe oonlakse latpoftant intorrttadon about your right and our responsiMl'rtles urxbr the Fair Credt BiAing Act. You are advised to read your monttry statement and review N f« arty ern« diacrepantdea ar unauthorised irartsactbns. NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STAYEMENT. n you thrnk your statements wrong, «x you need more mbrmation about a tws-sacdon on your statetnent, write us on a separate sheet at the address listed on ataaemmM. You are rsquksd b notxy ua in wrnirtg withkt 60 days tdlorring the date on which wa sent your statement whereht the ert« « problem first appeared rdpardrg any discrepangr or tursulh«ized transaetans on your accorxtt, t-aatr~ to rwdfy ue may rssun in your aoaptrta at arty rasponsatility t« payrnerri «~t b ue for arty such error or discrepancy on your aCOOUnI Wrae b ua as soon as pestle. You can telephone us. Out doing so wia riot ~~ In your taper, give w the toaowktg inbrmation: ' Vbur name arsd accord raxrtber. • The doer aanaett d the wepsctsd error. • Daecrtbe ilea ertttr and aplek-. x you con, why you believe elan is aan error. h you need mow Inbrmalion, dancrbe the nom you are net sure about. n you haw aaathatNted w to a «edittatrd aaoant autorttaaaNy kom your eaten acootutt «dndtlnpaooowrt you cart sroP 1~ itM-~artt «+ amt f^~r tFdnk is wrarg. Toro tpaymartElrltr~rr~ reach to thr~ Dwb-aaa days baton the YONi[ IYOt11>f atiNQ Eit!!i. AFTER WE RECEIVE YQUR Va#1ETTlN !1nlx;E• iriNf frtwt. adosalwirdpa y,ottr MrEir tsMttitt 3tl dayr, trtlas ws stave coneoMd tfne Mrarly M1at+. lMlMsitt 00 days, rw nttnt giber correct the em« or waa:atneot:. __. ._._.~ --- lrs thi. Agtraialafw dt~_,eand~ and ~ ntCifle wall east! aWt of Mtone who to lhe~ear+d~c+ealkr<aigplf Matisil~tslrrk tNa1l m.rrrw~els tgea t~dM C~esd arfe suty cseoo~r#Mlir• u ~ om~tltN4 r~iMl~utt; c'aua una of 1: RED , ltwa isa,ryeu a oard, I~ ~ ta+epay aitleele and the Rtaftoe GttMEi- ~ti#Ete ilia tries a Mte+aiid tpolM and aaaotrtt. For axenrpis, ytau ~. ~lpoailwriol a1tM!pae tttede flit yl,M~ tlpaslat/ and ndnar ahMdtwt. `!tiu set olio raeffeill~lla far cltmpee m~m+ybrte eUle b r~ttorr you ttttrd,sad irlll a~lpoetttl/rpcnMaatee tatMl trio cepdia ssoot~isaW.llbU oaftltot roe flarit~rblittrttttttlR bittvwl wltliClDar Mteao0ttardttibr irwlrrneiGiatrl ityou ao r~ueN rrdwaum arnle.Ybur obilpabn to ta-1- ihr erlootatn,balartof corttaater own tttotaph as arPSertwM. diwrw daaee «oa+r ootr't m which wa an riot a paAyrtseydbrot goes «ora d tta oatr persons nags • to t~ay>h! a~ The tarda tslalaMt our pttlpetty Irrd you atttswt waortr and arnrder to us aN cams upon otr raaaasat and upon lertttYrMbat d tltM Agnerrwrtt. Z tOtQ iIN4 MOZN~IGAZION - n you behove the cr+d has bean bet or stolen, you wr ktnirdrNly orM Mfe L1edt Union at t7t 7)231-80&1 «{800)237.7328. Ailsr titian oY (dOq ii6lid878. ~, WItH~f1YPORtfNAVR10i~DUEE--lbuagweto . w+mnrWalelylady ar h ttsiiap d Msrtttaertpelt tr trtautaortrtld two a ae~. Ord ybu mrAr w iMbfa for tl+a trteelMtortera! leer d tf~ C~dli Citnd.lbu w~f ridttli Aftrlla br unlftrktaf~it! aM tlMtooatrrl8rfawa /-r4~-wdirloetfANl.orpoeiauneuMtorisduw.rbuwitew ro tanatatll4daad . rtrroe wah gar t'~dt trlyd, enlea golf are ~1y rte~pe~igfie hitttitg ~ fn any aAa1. your flbf8y wM na e~toeed fib. 4: tR t.~ -- M iris aPPr+yw gar rPP wa wiM eaitrbMMt a sea- rrlgeataNMia t.1rn d Ctie~t to you aastd rvolMy Iron at b smotx-t whmt we lawn the emntrbuaallrestyrl taM~a aaoolatt blttattoe rttaesd ~tls epprovtd Cat>rti ~ Eialt stolrtar w1l tttal- .1~ t Llrte flan ttrtte yolr acrd tM+O larrftNtatld >lEtir Anwretfaent~ t3ood uearea tttatiatleapotr thaw tail oaarpy ttelt tran ngaeentera a any voter t+yrvewtrrr<wgn aaaa, «our rdwase wsraitrMMon d your csedlbworlfrkwee.lrbu mry a{eo lrartstYtale Mite Agrwrw+ tit-aarsy Mina. blot Mranirtaaort by anhr d w done not aped your oagaMon to pry ilia aagmsanit toaMlataae. 8, CftEbIT ~1- tbu attMtorlae trs to ktvaW~ts ynu- credn startrartp when cirarai% r+xdeMO n- wrirvfkq gar ataootrtt. sndyotr autf+orW ue to t9edoas irtbrraatlort ngalsMrap gar aooowst b exeda buneeua and oMarr oiaMofs who inquire d w abate yourcrdt rttandrq. 8. MOtilltLY MYiMeI?' - tfYe vrtl maaa year a smlernertt evttry ntanb stavttt- Ya+r Pravbsae iMrleetoss d p artd oeeh atkuertoes, the darerat Uarteadiotq on your aoaosrtt, ar rereieitlltp aedt awaebla ts+der gar Geda tJrta, the Nsw ealanoes d purdtaswt and Crah adtNncre, ale met New Balance, the Fttmres t3targe due b dsa, and any ofNr b^edleae, and ate t~aarirsurn Paynwrt requtired. Every rtrortat Y~ ^~ Pay at twetbe tiyrtYnuitt wtthh 2;s days d your aalefttmtt cloeino d.a. By aepsrea agwartaart you may ~ us to ~rm'De as mYtMrrum peyrrrmrt aubmeiratay b yam' rtraae «oftedorp eonotrlt wtlt ua.lbu may; d ootrea, pay more irequangX iwy more tlrrn bs 1NriYsartt R «pay the TbW New Bulietree in kM. mid yvw wia rodaoe er ttrnnoe d'wgr by doing as n your rnorrtry PMrorx ereoaads the toW crecat title batarroe owed, ire sri etalorttaMay pat the cndt b your St altarea. The mWrtium payreamM veal be {a) 2% d your Total Naw Baiar-ce. rotxttlad up to Crs nerd even doer, «(b) tiZ0.00, wtaicfttevsr is greater. to addafon, at ary ana your Total New Balmtae aerceade your tlsdlt tine. you rtiuR 4ranediatey pay the excess upon our AAr ws recNvs yow loner, we crrrrtot try a aolbct +uN amourtt you quesboo, «roport you as delinquent. Ws can corMkxre b send statements to you for the amount you questlat, finance charges, and rue can apply any unpaid amount against your credit Watt tibu do not traw to pay any quesaoned an+amt whoa tw are 'urwstigatktg. but you are sea obligated b pay the pars d you statement that are not in question. If we arW that we made a mistake on your statement, you wia not have to pay any firtetta charges related b nnyy ~rwti«red amount. It we didn't make a mistake, you may have b fktanaacharyes, and you w6 have t0 make up any misasd pryntsnts on Iha qusstlonsd amount. In etUter case, we will sand you a statement d be amount you owe and the daM that n is due. n you tae b pay alto .mount that ws think you owe. we may report you as deanquarit. However, x our exptarsatbn does not emisy you and you wras b ua within fen days . teRng w that you alai retuee b pay ws must tea anyone we you to that you liana a gtreadors about yaw elttterrtertt And, ws must toN you d+e name of anyone we rep«ted you ~. Wt mast tM anyone wa report Parr to that the matter has been eettNd ttetwesn us when n ikyay is. If v1e don't 10Mow dress was. vw can't coMsrrt the first S50 of the questioned amount, even M yow statetrteeN was oorract. 9P6CIAL t'<tJ1.E FOIi CF~'f CARD PtJRdtASEti - n haw a problem wit the tlttaMlp a property «aervbes chat you ptuottwsd wnh a «edit card, and you have tried in good fanh b oorrrot the paroblem wit tM rttsrr'Jtant, i^ar+ mrY hew ate right not b pry the amount due on the property «aervbw. Tttsn an two anNtaaoste on 1ttMt rtpttf: (~r) u rrKpK taw mods the ptuohase s+ your home state «, a rat wfath yywow home apM, wtltNn 10tI maw d you «,mmt rttaiang address: and (b) TTt• purdtaes t#ios ttaart tttant ttesn more ban >c50. iF~esp Mrtigttlpsts do rid atppiy M we own « opesaa tM mardrsM, or n we mailed ..r..~r~..~.r1..~a/er.rr...r.,e.eueF.r~e~is..... __...._..__ .._...,.....___ . cN1llalafs VrM wit ttppAr. 1fA:>M blertM+O trtWi~r: iht b pwvia,e see leas. lhrn'kFpwNrer awis a/aaltals: ftataittotl dr~aeprs, Mtan w pw~lale grgheaw firtrasa thtln b otr~iirtt W flle~. eieet b:~rwfanr oselt sdwsx3a tideftcaa, titan b ailiaudt~ueatat baMrb+oe~a, a~ tttar~t b~a+~en~it p ~ bbeiruioe• e+an 7. t1llARwMRB - Ybu cnf avoid tM Fknatvs Charge on P~+~ by pleyiitp tht ibEtyAlttsartt Of Mi Nov Drietla~ d Ptralaeeee crab' etorsb wahYt 28 days d fanlafuant tloea!0 riilar~. t]M1rnAar, qta Ntae eelrrtos d Ptrtdtaaee, and uts fina't if>i daM they alre pa~tad to your account, wet bu subpct b p1~~Cub ad~anont aw sMraya «tbjeta to F6wnca Charge from the doe ~ tptt pasted ro'yotx aixourtt. dPel+abrala: tiMe oetcuta/a goer fbwrtosk~by mtrtaplyitg file average ad)usNtd py Iha ~~ptsdwersd~a end oorraponding ANNUAL PER A ~E RAYS m~M~n. nd am the Addertdtrrt. CrNs AdveNSiee: VMe csdar4tts yotr arena oharps on cash adwrto.s by ttttAMplyN+g the aanrsttaaga add dry bvmtoe (~ bsbw) br psh ~dtrktt3 tM bMinOEt~E1he rrtontttly periodlo adrarae rah and NUAL per! RATE ae dNdaed on tlta Addendun+. tasMnaa t:oatpla~llon ~lMrlltotl ~~ ~ ~~ ~b~a» (~Puratase ~ br lbraaaaaate ie. oskkr,lelyd eaatt ti1p~ in the tairtg oyaN, and Than dlyidn8 b'y ors number d days in a» fMirq cyda; Zb ealcr~atrtlte t3latanoa Ibr ptrdtlieee each day, we take ilia 1oMowirp' slttpc trtM tabr:thr brfrrtce (a1 attaotrtle ynu tww) ~t fbe start d Ihs day. Then. M the sagwna h tantotnls ors paroled b your aaccotant, ws asdtl ate anwurKa d rM de6na and atubvae! tM aRrotrtle d d aedla «payramrle which pat p~raar~..add..codlar,...vsa,.asablratx tbe- ~M~d my uttpsid linertor dtrrgra «i.Ma Chwyea.Than vw edeo subtract tba amarK of any Casttf Adirertae trarttrarcllorss that poeMd b your aoodrtt on that day or Yt+rtp pwalotts lily to ilia bias ~ This gMs aaa tit. o,iay 9elarsce f« ptrahasa. ~!' aafanrtir kr lys-t At>Atraaetl - Cash Aduaata 7laneacSont ttrliictt aw ~~ yatx aaaouax alit trot trxdttifsd h Mrs Alinnge ~ Bdrtos alwirMas br ptraftaaaes, and aria ttr-Nard nai;stabf cot to.tin marta+y perbdC rats br puectwasb the tott~~ ~ltarteacporte iegrlouietrd g- atit~q titaliay B.wtoa.l~M+I for erdt day in be ttttarp. talaiea atnd'~ di ih srrstbsr d days tt the blMrag oyde. To cMaataa we oay tMafieft~otiiororeehaaCb txrWoeMtr: ships:VMeladtattteatlarendngbdartoe (eltlrstptstla you owy aM the daft a titster+~ in ass eegturta h whidt rriwutb an pooled a your aocotatt vw add ttr mrtotrrs d as detraa and erabsact the arrtaras d aA orKiWs «pymmMa whbt Pat b gar aoootrit t#ret dr,~ After applying peyrttsrata end oawllle. are atabbaaat Mrs arrtotatt d any urtprkl Finmtoa Clqugae « Late Cttrrgss. 'Than we ciao sutxraax late amount of guy PtrrJtass 7iartaeacaorts stet pooled b your aocourtt or- bat dray «in any prevtass day in ate This flivet us the DaNy Balance lorCratt AQtrorraa lt+irrgrcaoria Nola: Galt mrr always suHJed to t6trtsee charpaa and from tits dsy ttMy art ttveied m your socvrmt Payarlents are appeal b ass blbwirrg rttarvrsr: first to previous isle fees, titan to previotw cart advartosa Ikranos charges, then b previous pur~dtase tinarrce ~rpss. titan to current lase taw. Crar- to previous cash advance batanees, then to previous purchase pealsirias b the order /hat they wars posted b gala aeeotrtt. then, b ctrrertt pelt tdvmta boleros. and then to cwreM purdraes balances. Credits an appasd tint to the parlieular type at debt wtrictr s bektg crrtdtaed, x any, arvJ then to ate brtanre of yaw aooourtt. Visa' Credit Card Aaresmrnt and Truth hl t.rrndin~D/acfosuro (continued) Hole also that if the fatal Of the payments and .credits which are posted to your accowtt by the Payment Otte Date shown on a statement is equal to or exceeds the New Bahlrca shown on that statement, we wiR not appy fhe Mouthy Periodic Rate to your Acoourrt on your next statement. 8. DEFAULT -You wNl ba in detauk 8 you tati to make any Minimum Payment wittin 25 days after your mortarlY statement dosing date. You authorize ua to transfer funds stdtidarrt b make the minimum payment due ti your Visa ben h in default You ogres that we ,nay tsmpororly suspend your ATM card access h yow Visa payment h due for a period arraedkg 30 days. rt,r, wM also be an delauq ti yow ability b rapsgc a h maMt9altr ndtlCad W a change in Your arnptoyrrtenb an hrcxoase in your obipptlora. barlctlptoy or irtsolrr6rrry prooesdirrgs lrnohrtrt0 yaca Your deaai or you fa>f<tlne b abide by 11-M /igrsetrrtettrt, or 1 the value of our securktr lnhreet matsrialy declines: Y1le have the right b demand irMt+edtala paymsr-t of your ful account traMnce B you default arD}sot b our gkMp you any notice required by lar<t. To the exNnt pemrilled till ~ You vWl oleo be reettlirod b pay our ootiectiorr expenses, irrdudrtg oourt.oab and rsasonabla aMomay hss. 0. U81lilQ T!R CARD - To stake s pun:hsss or Cash adverts, stare ors two atientpAve b ba Tolovesd. One h for you td present tits laud b a paAlatp~rrg ~ p1Mt metthanR or arioarer Artanderi irreUMon. artd sign tta galas or cash advttrtce drn! vNtloh tern be krrprlnNd rMtlt yyoouur card: The other k to oofnpleta ate braneactort blf wkig Ya~lt.ftsrsorrd IdertlllitaNat Nun+her (PiiJ) iri corr)<u~tiort wMhtl,.aaaah.nAvbn,.leaal.rlrra~t.attarartypra rtT.lealrorticfarerttltAFttait peaddw scows b >M wee aysitim.lkiu agree tlrel You wi! trot rise your Gard br argr b.ue.eaort Mtet le llapsl trader appAa.bla adttraa, stares,. a berm trrw. The l'tortaay staerlrtatit allN tdwtry Br rtrrrtsfwht, alaaltatlC lareriiltal or frlanciei klAgtttlbn at which rartaadttorta atlas raada, but sale, cash advance. credit or other »Bw ratrtot bsl wMt lira .. rbu w>N retch tij Dopy of Woh slips hlnrWred at the drlri~tiieeiil>d0(f~ ~ldvat~ytlirtttitiBllysCTttidttredtiiJlrionmay niab at aaaerMms dtargs for ~ of sNpas Y'c++ ~Y f0. O~VB~IWR OP'[fON - N you aNa b avsrdraA b your PSECU Vha Credit Cord, tliat ehcacn M etbjeot b Ere deM-tn arodit Aitritt end tl+e ~neemeitt it represerrb arrd Ara Ctaeint ~oanoby at ell tklNe d~r~s ovafdraR. ibu aha urtdaratartd aw an abrdraft arA bs. the amrN tie a c;eplt adrtraa on yaw PSECU Nita. Crodl Csr+d anrl.Arat tM r.+<awtit Amtul i',laertfage lieu br auh adriarrsw rtla apply: 71. fl<E'11111MIS AtrtTA11~- Mncttartos and others vNto horror the card melt Alva orerit tar rwurrr and ~, end tltsy- rvlR t!o ao by asrtdinp ua a asdt aYp.araoft wawN poet rio Yotu ~ line of aredk. M. your raedl and payments. arroead Nhet yell OMR ua, M veil aUlOafa~Oaly pact Ute treeeeaa crecAt balaltoa b v1rlMen »gireet. +~w wM reltirld 11N CretAt Mllance W you, daRtr a trans, upon Your t!, PQlIYY~N rtliJlll~ItC1iIDN8 -The alatiranga rsis tratweert Ate geu+eaeUoet sudBte wrfnrrailuaadtarprosaeeUtpirlOSrrrdionNirerreac4onsbafede i~~lAsafaontiiattutpttat~liavltlrlil-invNtoleael*axrat+ay ewlrMs br tits applalb gertlnil giaoeasilp do1R wftiClt arN may +rarY ~aialt_ltte ratio Mist resit by wart: live li.: +ildol-tfai~• ~'!G a list ewnCUrt~ ti~all oa tta~atea ~n tie nattaeAMonf Mliertrtllr ntetolart eotrtlry dNbrs fioir+ ate ootiilry d Bts tend i~trx 4s aPeraui. fil(tss: wa1nBA ~ --~ H You dlsat>rieh a-.1kd alt arra merchant or the charges are the resuA of rutauaarized or fraudulent use, or your purdtase rxlst Hare their S50 and was made from a plan merchant in your state wiarin 100 mlNs of your home, contact PSECU. 14. DISPUTEDTRANSACTIONS - Ytw tiro required to r-ottiy PSECU to wrkirtg within EO says totiotring the date on which we cant yow statement wherein the error or problem first appeared regsrdn9 any dhaspancy or unauthorized transaction on your account. Tebplronkrg PSECtt11 does rat proaerve yow dispute rights. You may be requked b prarkle us wAh docurrentafbn b support your dispute claims. M addition, you may De regtdred b comPbte a standard dhputs btm oultink+g the detWt Of yow dspua. In cases of TrotldrAent card use, PSECU will also require a rrotarhsd efldavi[ in some cases vre may ask you to ratty the beat authorttiea. ti vw do trot retake the props nqussbd docxrnrerrtslion in are time specified you ~ daptlb ~ fir in(s) in question. PSECU must adhere to 13. SEt~IRII'Y IIITEREST' - To setxue yow account, you grant us a purchase ertottey secretly rest uMar the UNbrm Canrrltarolal Cods in any goods You pur4lteea tits atxselxtl. a You dsTwit, ws witi haw the rigFM b recover any of ateea.p0ode~dt we hew not been paid for ttlracegh ow tics of your pat~MnltE kt att- rrttutner cNaorlbed in tM Mor-My ReyrneM »ctbn. titNat respect to Hilt aeasrutt' criw arse M tqt atteelt #nY snatulory right rw may have if you tiro in dsMsllt b prav*rtt WiBtdearrd d yow urtplaclged ondlt union shares (Departs) b+siow tits,. baMatosi.el ti4oount. t~fotuatra-.1 yqu gke a haw given ue a aptuAtlo t>~a +dcr yat- a.d r~u~aat tDa~t M- atorr~tp a» ~rsa~a of or ofane~w.. a aAdf af>tar tnetalt for al Ywr e~ Yocrt account wAl>b. eTtyunid Dy ywt p~4 sR>~ee+MOlyi#~r ~ ~ 1M property descrbsd in thetas, ollia- aeotsl(lr apnemenh, araoept br yaw itorrre. te. OF IUQRIT--This AprrartNr>! k ate contract which apples to tip lratr~aoAetM ~ , . erren. ltla~ ~ .sell, stash aefvaeroe, credit or ctlnr ads yvp aia-~r~intry aontsMt dll~srorM lerntt. VYa may amend the oaf, Yir card M+df~atfs aQe~eantarM b tlts To are arrterrt tM taw psnedla, seed are ktdioalo 8t our retie. anrendmertts veal appy fe Y~ aldiArlJZ ~ balance q aedl ea to tuwrre trerkaoaars. f7 f:M~ PAYM~Ni' CHARtlE - >f your hArrkrttset Payrrtarr h not rtrcetvsd by aw that dtiy of the aanat foNgw4g your dui dais, you wrti be subject b a i20 atrwge. ill. Riliii ~ -1b11 may irtow additional earargae for rush proeesektg and nrslt dAtrary of oardeanfibu PMI malty: ftk 4~'ili~i'1~+--AfEOteawEbisappisdtorr>~ttm~ortrtlyMalsrtierMdoein0dw on ta1~ilM file ouilis!tdrtp•ixtwae saosilda A+e aeeipned credt Intl by rraw Aran tf40. ?A DIGICf' - Ybu maY krcur an additional dmrge tar trorrsatAtort artrruryl~atr dr+ef! doalrrreer~on. 21. CQPY ••.YWI ~ readpl of a copy of tttis.A~earrrarrt. . tit, 1l4E~At.TRANlitlliKlt1li Pf#pH^RED - Ytru agree that yoie w11 not use Your Oepd /or slrgf traerseetort Atat M lrapai under applcabla kdarai, stall. or local raw 9t. NC111!!N r-Ytaclive Nba aooouMs flat, haw no purtdeaae or sell ecevity may be dtMlid rrMltolR nOdos'lso You aNar 1 d retorters of ra eWkAie tt~k:llli. !rli~l'Dlgc - PSECU ruse etsural. rtalwork sue. ~ predld and > ~ gsnawdfprra.. Thtrt- nM9r M oeeaabra rAren a bmaoQon h A'liA rl~ 1t ~ T~..Gtd or Y~ ~ ootddetdoa:d'!!~lfLlAil~t 87i~'E 9r~t~ '~ llJ b (we. our and ue) ireliktp to~auan Aril CJIiIGr hereby sglae tit t>f YgtiY:baxid hl! the SKI ttnias trtdatedoetlr.'ibtl aalli fN11 M tr. dyeur a~ otrd(tj ~ aoo~pMnae d~thetiMtrnandattwas dthr Aprsareeart.rtlu.tsrderalard treat N11ita aedhiehled ~a a+ldllaspolt on ~ uears~aitNleaoacrt:rt t: AR:GOtllfl8-AND USR OP tR71 tyltRD -rbtl treats the socoue-e(a) (fndurpnp t arr~d Ftpallr 131fates~ whkdt are sat forAt on your applkxraort harm aAat lids AptaenwrA, r4tl hw~byfegwat a+tt rve hws b you ores or mars ATM CA140(s) to be used to eorrtartlbn wlh such aocaarls as daaortbed in tree Agresnterrl. 1f;7Y tardarslrrd you may tree Ave AJM CARD at a STAR SYSTEMBQD ATM ro (1) vrlArdrasr oadt from. ~ lards a antir>w for dapaairt ka (9) vlrsa treirrsfers b a from yoar accent (4) teeMva itdsneation rapsrdrg Are trafsrtoe in yrnu aaaorrn(s) or (5) maws sash advautosaTlcm yenr owed! aooaatgs) to Ate amounts you roqusst.Ybu may also tree aeflorrialed telw nteoirkinas sou~ol the United Stabs and b certaUt iprelpt couttr4s rMtiCtt hear M PLUS Sif8 ATEM® ravens surd Wgo (t) to make arllfridrawaM from. {?~ eifrot trarrsfsre b or from. (9) receive ktionnetion regsrdng Ala bahttoes Ml your G'Fradtkrg or Re¢aar stoves. a You Itnrrs a Personal taervioa t+oan aPP~~ ~ P~ ~ array also mob a csvat ariwrrees hen yaw PSL.You hrrarsf undersgrtd .you may use rig ATM CAtiO b purctrasr goods and services ~ at any rsted eWbAafrt>«rt ('Marotrarrt') where ATM CARDS ors aceeftied 4Y ars:h Mttealwrt M you use Ave ATM CARD b make a Pterctrase W obmin cash, N paestrRled ty eta Mlaeclr/at. You ahaN be rwlirseang ua b withdraw funds Mt a-e amotart of ouch PilldlMe (lnaitrdirg any c;aMt reoeMred from the FAerolrent) dam your tittaddrrp 9ltalae and dMsolYrp a ordering us to pay such hinds tD the MsrdmM. rtw eeglreet Aral are roil prerride b Y'~ ~ other services rx eot:as b other ATM ttyttttxfa a trNvotics treittp Bra ATM CARD what rive trtay lAtar rltaioB ttrs9labh and wfriah wsadviss you era o0and in comedian wilt yow aocouM{c) set forth on Your application Toren, You also understand Amt from time to time You may request in weAinp lira we proNde access to addtbrrol accounts of-yours through as ATM CARD ova traw issued b you. Ypu agree that fire urea of the -ATM CARD described t u as raise and npuMaorro d each aooalrtt '1. IJIIE ~1!! i~!#IdOUAI. DFJtlIpICATlOf~t i'M~IflBl:R ('PR~t"} tM'i1f ATM CARD rat underaliita that a t3TAR s ar a PLth4 SYSTEM A'tfA Nl pan atlbntaled eclat. li° pen :and wit psrbrra mftery al rite fame eWr tie a Franco tdec lbu -atilt tIN" . l+flllntier tx PMt MAtlolt you ues attar the Ii1~I~ItytttuAtprt~irone. idartdMs Ilte btMrarof Ihs Coed tp the STAR SYSTEMS A7iR flE1ls!l;VS1'6M Ay'M. asaw nei,s-ork /RM tied atltltertataMa tied rraidafaa Ate . dkeotioeei ~ juN tie ytxlr aetlual etgnetrae and eater proof kJarralY you and atAlrerNltaia and valdaM Motu dndiotrs p a human 1Nu rptl eUo tlyderWrrd that a Mee+dtett vYfrislr aoottpb tits ATM CARD for a Percitaea eranaaodon may itarra an eYetror+ic tenrrlnai (iAardtaertoparabd or9efl~8arvla) whidt rsgrrkes ttra rise d ytrw PIN artd wltert )pw PPI Ee ulsed ~ a Mseahar>ra teurrtrrU, A vvlt rua»nYcsre and vaAdale:eta dMSatiorre green Joel as yetur aeiual alprvseure tall atlaterrlkaAa and vaidate your dieaoAorta flan b us ray at~rtowMege Heat your P4N h ~ rdsnAlatlon code that b pereatd and oatltdsrrtlal and 1fteR sue rtes of the PIN with the ATM CARD is a PRECAU't10NS TFiai1T NO ONE ELSE LEARNS Yl7tlR PIN. E ALL 3, tiA>ItLITY PQR UNAUTNORIZEDTftUrNSACTIONl3-You ague b contact w at once B you tlWSw a-e ATM CARD ja) issued to you a PIN has baer- keel or stdsn or money is rtlhektg hen yow acooelrrt(s). Ylw oho agree drat it your monthly staeeetent slaws trartsactbns vrhicit you did not male, and you do not contact us wgtfln !t0 dfaya slier Are siatnrtartt was rrtsled b You. You maY ~ 1MI all ~aY lost atbr litft ern.. rtou AGREE THAT IF rvu GNE YOUR ATM CARD(S) anti PtN TO SOMEOME EL8f: TO USE YOU ARE AUTHORIZING THEM Ti0 ACT ON YOUR BEiTAt.F AND YDU WILL BE RESPONSIBLE FOR ANY USE OF THE CARD(s) BY TlifSii.rtw could loss till your rrtorley in the rrococxa(s)1 you take rro action b Homy PSECU of ors boa of yow ATM CARD or. PIN. Salsguard your Personal Iderpllr:aAort Number (Plf~. Do not tea or drecbse yow PIN b arty Darer person. Do rat write yow PIN on your ATM CARD, Do not keep a written record of your PIN near Y~ ATbi CARD. Do trot chose a PIN that is eaeiy identifiable. Fa.ee 1n a.,,,,re Trn_~r ATM Aaraerttartt and Reeulation "E" a)IsGosuro (r:ortMnuad) A nary oltrd may be ordered br you at that time and a 'hold' wiU be placed on your old card. After such tithe. if you 8nd your oW card. destroy rho old card by cutting it in tta1F. tt you ausntpt to use your oW card. it wilt not work. 4. CH/IRGt.S - Ybu agree to pay s 50 cent charge (or each deptssit or withdrawal eracsedirtg iS a month. You ttpree to pay the 50 cent penalty charge on any cash Ott bartsaabn (ban advance or share vritltdrawal) that 4s less than 520. Ybn egos ro pay a 25 setts charge on ssch gatartce b-quiry. You may incur a dtaroe br any a-t that ttseds fo bean Aubttta ~ Teter macftins (AT libu agree you made whpa utaklnp ~D~ to pay the c3tsrgas or uru>taaion d~IrKed as such feas~or d~iargea rt~ay be iRWosed or lac aerobes whbh tray or ottanpee boor thrta to rms. 5. DSaOSITS - Vbat agrato ittat vkaet- Yar make a deposit at a STAR SYSTEMS ATM that rw oars the ript+t to verily rte depositbelors we make tts matney atratabie to you. K You dattya caMr, checks a other itatra ~ a STAR SYSTEMS ATM. you tartdtestartd std adtr+olaMdga, t>+N rite ttutda troth your deposit mq eat be avaYSbis be imnadrM rrlttd'aread arW ttatitte avaMrtbilly of your detoaN Kali ~ our rttlas rand rspttbtora tal,)aldirtp tIN partiautar aooottrtt m vifikit you era matdng a dtlpo~iL the lttart 1~ you sn dipoaMfnp and taA'tatlter the dsposM k made ai a 8771R SYSTEIMB /QNI UW M oaNNd b9 W or altOttaF AtttarrAsl kuthtlion. You abo tutdawtand sad ~tp~y~arot al STAR 8YSiEMS ,XTMS rosy atxxapt arMtl asltra $7xR ATtlAt3 may ttnlt tfia amotxtt of hxds which Wray ba dtgoaMtid-a fn! Narvr~ +mN Cwt ooMrol gtieas Nntlte. _ _ - -- ~ - Or write to ut aC Pennsylvania State Empbyees Credit Union P.O. Sox 87013 Harrisburg, t'A 17106.7013 PSECU Sushtess Hours: 8:00a.m.-5:00p.m.M-F . TDD (800) 472.1987 Nationwide (717) 777-21001n Harrisburg ~, FINANCIAL INSTtTUT10N'S BUSINESS DAYS - • ATM. ACH and SST - P3ECU's euatnear Days aro Monday through Friday, Holfdaye not ktokatlad. S. 7'i(PES OF Et.LCTi10lpC TRANSFERS A CONNlMER MAY MAKE - • AT1iA - Satartce inquiries on chi, wtAngs and PBL;•wltldrawels hen purchase pootb std ssrvk:es to any aocspMrag -~ atAW~ NUtrrMrK. r+~. • ACH - PnauttaAa>td detatts and crsdlts m dtacidrtg and eav4ps. • SST - eaiseace ittgttNiea acid lrarrsaCtlon hNioriea on ati shah, osrtllicats and loam accottrtta: trsrtNsrs from any abate ~ atnottacahme or ban arraotatt bom your Pi3L to any stun or Bart atx~outt>: wiutdirarreis from any share etaapt IRA atMtrp or wrttatsa. • a AN1/ CNA~~ POR ELECTRONIC FtJt~ TRAlr1oRER8 OR FOR THH tth3>rt')'TO It/-I~ETRAiIdf'ERB -' . • :AiM - Ftly tttattt ft1/ 1aCt1 diebtaastrtetk {oaaah ais!ratxte Qr vdNtdrawsR Isar arsn 3gtr !v eatNa for t1a011 Mtnalw'llara gtlR.15 pK nt0aal~K 25 cant fof saxlh 1us.4 iRaw.A.wq..n..:......~....~ ._...~ -- --- - stacA aboaurR !lbta aryaae tat if you midra dapoalb or; paryrrtartts b grater aotrotatt(s) wftla tsttta`ot`tr Star cash (dtadp~ dra«s or. oMraa gNfis~ and tNe mrtoa.ttads arMalir to You ~tnd rtlah dspoailtr Rrlor tv ~t~lr cc~t~lon~ Ytxe fg-ee M-tt `"'e n'aY dsduct;lhe aintointlf of attidt hallo floes aaboutti~N_whiatt as trot CoMsclgd or, t the frauds b itocoatl~ us'~ at attch liars, Yee retp pnontpdp Pet' ~' ut adY sDt4ltfK at stioh iirrdts,ri,-ctt ere not ooiirc!!d. T. AIFiT, O!-T1Nd AQllllElAlNT --Vbaa a(iree Clad Moat tkete fd tLna wa rnrgt anynd ar chrttpR taaaanttt of tttia apeealllM irtoMadrg rarartdtraete or efwtpas to add ftutw ATM CARD tarviosa or to amwd or ~rtpe the aiauQes for tt+eae aarvbsa Mk.may ds a by noMiY~O lb1J >n +t~0 of sraGt antmdlateetts or cltarrpas and year use d Ctrs ATM CARD aNer the e ~ ~ s arnsndalrtttt a ctwl0a start oortsthuts your acoeplertca arttsrtdrrtaatt or change: E OWlrfi~fFtP - Ybu agrews that ~kata a~ that the ~ CAFE i~non-. sunerttJar R b ue upon ow retltwat. tranatstable. 0.D ~'~~ ~ tnideM7tartsfac ~ tt ~~ ~ r1i:~{ii./.~ M~M ldr4~•.'VaVf.G t. B,~C."l'1101NC ari RETURNED CHECK ~'•" ~ Yout~tll br orttatNrgttrlta >t. clrack ar Chars drag, Ya rMf aulttodre it 1o-lM etrrwtliOtD as ~ ftarlslac lba rfMy afse aaghods. rrtenWttaettls ro elaollatitltaM~r diblt Yqur aaioourM for t+sarMd attack taet.4tou are oonddsrad to have attSlpA>:ad.MlMa afacrat+io bards arafltilltt N you oompMre rte trrrmatdioat after t~sit0leld ~~a nctce ptratad a aerrt in you) chat trs lratwMr may ba Pfd _ or fydrtliQr avrrtlNt aeon. 2. :pry ~~??r: ,, , : ~ .. - Tit us at once if you breve Y'~ card has tiser- bat,: a stoles. XUphm~ttip tt the ttsatway ra swap Y'~ P iosrta down. You cauW bee a1 tfa ntensyr to gout aoeorant plus you mtadmt~ ! ~ t btita.youtardaras Dank lost or aroten, artai yore after You testa of fir lesser trek. you tart loss tw rose tftert 550 N ttomeora used your omd wlttout libtu perntiasion. tf yore de rtQ w tat sifQtka tyro tatafrlssa days afrx Yon Cerro of the toes w than of wtM+~otrl yov pamtbston~yota ~~ ftrtve attopprrttatrtsone itorrt using Ya+r Card of turd told ua, Yea oauki bee as mucFt race 5900. Abq H great statatttsrtt tttuvrt tranalas tltat yore did nal r+alrs. tMl us at once. H You do etot tat us rrlttit 80 days alter tfa statsmrnt was mailed ro you. you may ra/ gat beck any matey you lost after Me 80 days q we can prove that we could Crave stopped someone from eking the money it you had toe us m time. N a good reason such as a tong trip or a ttosphat stay kept You from telirtg us. we w11 etdertd the tone perbda. 3, NUMBER AND ADDRESS TO NOTIfY OF 1NIAUTHORtZED TRAI~F6R8 - • ATfi -Contact PSECU at (800) 237-7328 EXT 380e (r-atkxwride) or (7t7) 234.8484 Qlrt tiarrisatrg). Alter hours. brow the menu aptbns on PSECU9 voice nut sytrmt b reD~ a cost or stolen Card. For Visa Credit a Deblt ~ A~ s~f anddn-LanaRr>g D~i~bam~es sectlon of tlJa ~documant • ACM sad SST -Contact PSECU ai (800) 237.7328 (nationwide? or (717) 23a-948+ @n Harrisburg). • AtEi .. alp sartAOe ohar~ for itau~tdent Uatda for eeoh eUd~eatic transfer. ~: ssr Ot< r l~fT ~ro Ricmtfe *xtnoN~o~ lE~rs.-- • A1111` -1Rou: ant: atrttMed . to rrloNtn a prltNeO ttt~oatOt ~ ~ aera,a of your ft'anilaClan.lbfr tMM fsosiy'a a.monlltly agasntartt ttltbisinQ aiooount. »rN e.rrta~otta ntrtQs dttNtly rte taoftt4 std-any pertafUas to rgtarQes• PSECU tray btposaa durk+y tM maglt.' • ACff start S3T - Rau wig ntr,Yfw ar rr-oetktly aNUantant tftoarktp dts erases of your aroootant, any truteecQora made dtarq rte ntortt>, and-any t or . changes PSECU rosy Mnpoae durkg the mortdt: • tf ya- Mrs artartpad b flays a diMrit 7nirdti Ira your aoootatt at kraal once arery aD days. trots the tame psracn of ~+Pantr. Y'aa Can call ua at (M41 it3S7.7~28 to tad out wMttuar or not tht depart Etas been ertade. a. 6T+OP PAYMEl91' RIliNT6 - l~-AIY'111d1~'CRAt.-' . • ATp arari tfMT -1'taf appNcahla. • 11Ct[ - Rl~tt b 9bp Palnrtertt.and`Proaethnes fer dolrg ao: Y you frees bld w in adrsar0lr 1p ihsioa: tttaYtrla-p~nwlra sit at` .yWar ttiooWstL You can atop any of Crease PaynwMhM. liate't wf w: Ca>< to al lam) 2.17 791tA ~) Or (~'{]~-2S~'~ ~ atr vrrtrt rN alt pt11TU;~~f Credit Union; ~'~ 87ttt9. ~ 41l tri in tote for ue ao naafyrytwr Wsa iYilpfnaes days a 140na.'tiaba Ctrs payantrtt k eahsdufed b 6e taada. p you call. ttwl ~ also ragtia 11ou b Put Yat- regatatt in wiNM1Q era gat tt b tat wphin /4 ante dhryou • l~lotka efVYrAnwa+>te~ ~ tttus.ragtiar pt~ttsltN efrar- vary lq antocalL rite pstt~dlt .era to pay ts/ iM YoW t~ ~M:~'a MQh PPy~~ ` (t>feriaibr-oiMy wain the payt~rtt rcouldtfy.rnow. tlton a aroraMt ametant from ttt ptwb~ue payrrtatl, or wttan fhe atrrtoranturotaW 11-b txattida Ifttilsltalt Youast: • l.ria>bYgr tar liaWaar+-tic Step ~ranlr at lpirtt~faal~rd lbrrrlli-s. u you order ua to store one ryf these PaY~a Mrse ~taslr d~rr yr trtf>ra betas the tYelule-ia at~dulad. ~tdwebnotdv~ rlsirtti~ Mlis 1b-yrtts`kasa cx deRpa~M,, tRrisei rwl ragttart aria ds oaf ataslYrr rNf~in ~ of ran ora(atgp payment rritth 14.daya and d1a MiatltMltYiia ply sfiar it days, ar gat fat le give us proper>rabtacdonsdtatrcatld erneWM uato pUos drestop . ore Ctrs trarlrtlar. 9. sa~A1MANY. Oh Tfie: ltWAl+titAL t4AT>t'UTlON'8 FARtJRE TO MAKE OR STOP G~tTAIN flt#IgSFERB - • ATM - M PSECU isle to oonplste a tratwaaYort on Ems a h the correct antgattt rrttan propsAy insbttatad by you, PS£t:U rtil bs labia-tar drtrtagss . rautaed by our tairas artless: (1) Chas aro irataAidactt bantrs in yatr araoatrtt ao ooatplera the trartdar, (2) the fords h your account sea ttrtosiadfatk (3) ~ funds are subNCt ro IagN P~ (4) tree rnutsarlfort You regtrestvrck/d exceed the funds N your apaeurtt plus any avalable ovetdrMt prortcdOtK (5) iM STAR 3ygams, PI:US syslsm has irunrfllderk ratelt b oompNbr @N trautartWon; (8) your exud hie been reported bat or stolen and you ors uskg tts reported card; (7) PSECU has teaser to txalsve that the trartaaCBon requested is W18UUt0~ (9) the fi>rlure it ckle to tan equlprrtetM brsaladown tlat you Ivtow about when you started the traraaclott at the STi1H Syttenre, PLUB 8ystnK. (9) the iglkaro was caused by an act of C9od. lye. a aMtsc rallastraphe, or by any other cause beyond oonhol; (t.0) N You sftempt to oompiers a rraraaclort titer. at a STAR Systems. PWS System. or mercltarM tertnYtal ittat >s trot a Ftk-M..u Fu Trarts/e~ ATM Aorosrnsnt_and ReaulaNon "E" t~actosutA f~1 permissible trar>sacrion listed above: or, (11) the transaction would exceed the seeurfty Ikrtiladons on the tree of your ATM CARQ • ACH and SST - II PSECU tats to comptele a trartsacrion on time « in the t~rrect amoum, wtrsrt properly instructed by you. PSECU wilt be liable kx damages cs<ued by our re unless: {t) there are insuflicienl lurtds in your so0otu-t to carnpiste the uanster; (2) qta [tutda >n your account are tstcoMeCled; (3) riN Arrde are subject to legal process; (4) rir aanaadton you regtreft ttrotrd exceed ttte hrrtde In your exouttt plus arty available owrdratt c-ed~ (5) PSECU Itat reason io believe that the tfaneacrion rogtrssted is wtatdtwrlrad: (B) the. fitbttre rest r:ausad~~ ~ caster. CCU eha11 calaeboptte. «by nrtaritar oatrss beyond be iabM arty for atwrM prover! and Hat oor-se~uerMisi damages b the feNure to malts tits trattifaalon rendted iron a bons tide err« despite PSECU's proc~durn to avoid strdt ernxe. 10. ~ TbTlMR0. PYIRTtti~ -" • ATM, ACH endil6T- P3'ECU wa dfedose infonerebon about you account to shad partNts lt) tstren x it r»aerary m ~ Cp to +rorbY the erdllertoe srd sgftfing dyo4t fcootatl vtAtlt P9'ECU apart regress of thbd psrttt suds ss a 6irrlt [ ~ b oomp-y ~- gnvernneiR a4~Y «conrt orders; (~1) in eiceordence vtibt your wtMtat perntissiorr (6) to oorttPy wl<Ft gOWefM1N1t a- ~ ag~t- ~ ~~ « court aedere; (8} m noeifM- d aertNiaiUort from a Ftdend Agrncy of deperrtt-er't that a regtrett for lydorrrtatiort b in oomphncd with fns Rlgttt to tRrtandel Pr1MNy Aat d 1!178; Regttlatlon P, Pdvacy of Consumer Farar>ciei Inionnation; and lYf wMn it Y neaeMN to take legs) tttdbn to recover shaves. t1. S1fAR $'1fSfEMB • ATfA t3nlY -lbumey a~te year ATM CARD with your Ptsraaorl IdentJficariort ~ Pen~yNtnia ~ Iollewing for rite aorxturroa aoosssad dy your ATM CARD. a) Datenrtlrre the sooount baisncs(s~ ~ y~ C+-eckk+D your Regular 8haree. and your Pereoreal Servbr ! Deal (PSt~• b} Yyltndrarr asst! btxa yotu gteddny and your Share. c) Wilde a troth eidvanoe from you Pera«1at Ssrvtoa t.twr (PSLJ• ~ p~ ctlrnrx~ cMdct,. a drofa (Dolor are not aootpfabts) fx fi PSECU br tieposft in yt~tx Cnetklftp and yetX Regular tJGR1~ TMw fire tkniMd' foeWoral to M~Ai tMlsrt d mebr bs made. tllM !fill!! 1elLtlbrr+ty~r t-ea sarN JISMi k-cwtrd n tlwee aresamry Doty prvtrlde aooeeti byatir araldr-p, your PteptfJer MME. and 1'~' Psteortet Sarvbs lean. 1N~om /(1°W ~ aaospt Ttlrrr- rosy a1°o b~ Nrttits on ins amarnt of futrtRNIMOA~ou gnpr dePoelt to oareidn ATTViIs. t2. PLiftd 3Yl3T~P!lRVICSB "' • R7~ ~ -xxl may tree ke+a ATM CARtt wirit,y!oer Paraona- Ider-tJ~arion Nttsts4r ijPl~ of arry trLUS 81fSTEM autolrtaded N9er rta~fthe (P1.Utf r!iY3iShci ~ loomed ZhotrpftoM riw UniMd StaMS. Ptanrto~ Rlog Cartadlb tieMt.BfMkt and Japrrtir oortdut>< any d the tottowYq uertaar~ on rite aooelsteeaogeessd by Yea' JCJ'M t..Jli>1[t ~ Psraortd Srryke 1),awr- (R~'SI.)~ Ya+ R+9~r b) tMNttAnevr ~fi kora year Chaddng and Maur R~~ . ~ Mekaa oadt aduena from youe Personal ServWr t.oan (PSL). tYtlflFt bttpuiits ifs not trvatlleble ~lhteuDt- PLUS SY81'Ef+1~JFffuls. TtlarR era fie ST1V1 SYSTEMa arryWa txrrrert8tt avearobte throtrgtt tM PLUS SY8'f'EM naMOrk t3llrer aervkret maybe oibrsd m the suture. la. tm~ ATE ratrwatfc At:CE$S -- • ATY Efay -From tYtte eo UFrrr. PSECU relay make arrartgernsnta vela! Ori1er AT1Yt naMwrke.b pent aoeses to ATM GARt7e, PSECU ehaY tNotm you lateen sari! arartpentrnrt ors fnatle and describe ate aervicee ri+al are avaNabM to ~ Anl-ataryse wa sled bs dsstxibsd. 14. Pt1~11ASETgANSJYC?k'JIVS - . Jt1'Ai vats -trbu ~ use ate A'T°M CARD fi ~itTM~CIW ('Ptsdnre~ sti any ret:Jl ett~iefwnent ('hAerchanl•) aooeptad by tad! IiMrdterA. The arnourtt of ab such Pwaftaees wIA bs deducNd trontynur Dhrddng.lfVltsrt l+ot+ melds a Purchase ugrtp the 11TM CARR l+~ wE ba PSECU m wiridraw funds tram your Chedcatg ~ ta» araotax of the Pttrcitase and tiaectatg PSECU to pay these ttstds b such lvtsrcnartt. 13. Li'fMtOCI'IOIIS ONTHE t/SB of YOUR /t7'WI CARD - • ATM OMy -Ybu may ~rHhdraw up b 5500 Per day from aw «a combination M yotu aoootstte by using a ATM CARD provkled the lands are available at a STAR SYSTEMe « PLUS SYSTEM ATM. In addrion, you may wlthdrewlpurdtasa uP to 5500 at point of sak locations. PSECU reserves the right t0 reduce this dealt IfmR at any time. In the event that your daily limit is less than 6500. PSECU will adobe you of the new lattitation. The day for wiritdrawal ibnits starts at t2 mklrtlght each day and er-~ at 12 midnight the next day. F« security purposes,.there are also certain daNy limitatior-s on the hegtrency of use of ri,e ATM CAR0. liovvaver, these limitations are not revealed f« security reasons. The PennsyNertia State EmpWyees CredR Union is not obllgsd to maintain such IirrdtstJorta You wfQ be denied use of your ATM CARD if you exceed the daily wltFidratreatlpurchase tfmN, b you do not have adet~ hxtds available in your atxasrt, de not sMaK the correr.K Personal Iderttiacatiat !Number (PIIV), « ezoa!!d the. lrsil~Y of ~A l<rrripttion. The receipt provided by tt>e STAR SYSTEMs or PI.118 3YST'EM ATM or Mercheu+t tertttinal will rtotity you of the denial. Thars b s tlmit txt rite rrartber d such dsnWe permitted. Attempts to etelsed.Mtr,timk wiN nfstrft ~ machine retsntiort of otrr ATM CARD. The number d tiaMMfrptt 1f tat reetrtt In mad>arte retrrdtort is rtot revealed for eecwiry purywses. la. r~o- • ATMi, /1~1i Mod slBT - to t>re d emat «tltreetiorta abort your tranaadiorts: DN+tCt-ilgtlMftlle.to p$ECU M (MDR 1't3T•T326 HatOnwlder TDD (800) 472- 1if67 tJedloeWjida, (717) 777.7100 in Mn9. or wrbe PSECU at: Prtrrrsylvr~it~e Empltsfarll Cesdt Urtbn. P.A doe 67013, Ftarriebttrg, PA 1710t3.71p13.: ~ aocn aw yar Daft b you btatk your etatemerq or r«reiPt is wrnog, of M you nrad rnortrr M1Kfrnyldion about a enltptaotbn !lased on the stsdantartt or n~oelpt. Pt3L~U rnt»t htrar Uom you m taeir tlten t~ days after K-tent you ri» beat stahmsM on wnidt Qre problem « eror appeared. Ybu matt p~pyidi the-faMOtRlrip lyderfitsriort: tea Ybtx name. atxAtsri rxsrttwr, and A11iA C1f,F~ ntfrrtbar {b r ATNt karteaa8on). « reNrerrce nurrmer (b. Seb- Servioa'1glaFit>one Transscriort): ~) DestxW rite error «the hartsecrion you are+raakAs e~lpu6 aftd . ~.d~-~ se you can why you.beNwe ft b art error Or why you Head the arkxrra>Oon. artrk (c) The dollar amount of rite sratpeoled error. . b you tM PSECU OraMfr, you meat send your par+pisku « rNesiion m wriring wd-ta 10 trtreirreee deye. tom! tta11 fall you tt» reaulb of fie iiwasngari«t wi0btt.lfk baeTnMe f« STAA t3h!SI'EMS, PL09 SYSTEM, SELF-6EA1/ICE TE4JiEP1'lOf*fE. dr t D~1rJl~iT "i'R11N9rK3TlONS, « Za days br S'17M S"1"~A6 P~ banlw~one. M wr nerd tsroee flm0. igweurr. ws may !sire rlpr:'ta ~.dfrys br STAR. 9t!BT~fS, PLU8 8YST6M. SELF~SEfIVICE 'XEf.19~+f~4f#.. a 171RECT DE151'1'I~IT 7AAt!R4AiCT'IOW$ « 00 !lave for SEAR 8Y8'TEA~ ptatahree 1rarINlNtcfa. b PS19GU derider. b do ri>is. •b will receraityow aoaa+tlsMtti+ to btfatitsri tieyr 1cr the arrtant you filnk b in err« a k N a lit ~. PLUS'8'YSTEMt. SELF-!SERVICE 7~ZEPHOt~E. « DI~F D~11'1T bafwac6on, Or ?A buttfrtees dsys b b is a STAR s1fs 1r~ea9a+. rbu trA nays drr uee d the matey dtrlrtg the tone it t~fter'q ooatpN. lnr. in+eengepon. ri PStad! des rat receive you Cdtitflll~Mlt or t>jtlrrtitfft ih ttriMktQ tMMtMt 10 btadrrese days, P8ECU_may not reardt•yaR aooota+t N.PBEEII! tlroldes rirfr M rq error. You vrM be advised witltM fires btnaierra. deye ~ M+e invratlgMlort b oarMsf4d. Ybu ~Y oak for oo~ites tlf' IFtlf dpaottteaM: P8®CiJ .need fi tM inveet•psllor-. bPSECU orsdlte Yoi+-, teobtPrt. trltbr you mtrsl repay tlwaa funds b PSECU ooetdlyder no. ~rrdr trst ooarft+rd. 17:~-n-you wrIMFJITMritfrl w Hat a~ br ~, Ypr ~ ~ a fart i>~t'f+r ~l aneaatoit and by argr na8ef W. ra~tonal w local neMrorx r fi Prgieal~itp Mtri "~IMraaallo~rt h~uud-you aN4- be drerSed riet br a bdence Ytytiry.t~yrn ff ytln Oo itait'oantPMNS # lurid trautder~. The ATM wroltsrgs wAl be daWted fa0nt you- llorotirrf~ you rted fi aanplMe fie tramaedon: Nollorlb vanrrettn'r tliYg Itflli'>c ; • er atrrt b your >wrbow,dY,ps, tf you doubt iM safely d a partkxdar loca8«-. drooesi antae!rrr JITFI. • ri the ATM nee art entry loot. ok»s tM do« prbr to ir>idaring your vartpatiort. • Pfd your oaMt awyi krsrrsdlalNlt • Dhrol oontpAdnts carrosrnir't~ ATM ~Y b an tpproprtale departertsnt d Depvlrn+rrt i3erddrt0 (~Q6D2BQ. ~+ rrWey eats ate Nistw .Jersey thti~ld i1M9Rti1l~SR'i tfY~101 ~ a tleh1p10 tt11t5lr' the DRIV Program, Please tevbew the Milowing FTC Natlce: ~y }~}~pEp ~ THIS GQNSUMER CREDIT CONTRACT IS SU63ECT TO AtL CLAIMS AID DEFENSES WHICH THE DEBTOR COUL© ASSERT AQAINBTTHE SELIER OF GOOQg OR $EAVICE3 OBTAINED WITH THE PROCEEDS HEREOR RECOVERY HEREUNDER BY THE DEBTOR SHALL NQT EXCEEO AMOUNTS PAID BY THE DEBTOR HEREUNDER. s ~ ~ ~ ~ i, c ~ o' ~ g~ t ~O V .~ ~ ~ 8.~. ~~ ~~ .g c ~ o °o o ~= ~ g~~a~~~~~!~~~s~~~g~$~n ~ ~ ~ ~ o.. 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(~ N.ph6D O~O~.N.^.f- ^^hiD0~0 8 O~PaOf.Pa ~PPSOO 50000 -~^.-.- ._^^^^ M P d N ~O N h h fP'f 17 b fh e a~~f~ s~~~ a~~~~ ~~~ OCGGCC GCCCCG GCCCCG C0CCCCiO OGCOOC d (~f 1~.p _ Y ~j~p p .Ts ~ •O~~O~O~O~O ~°•8~~h~. ^n nnhh nCDaDCND~EO a~ma~a°'o~ ~.,p A~f~{'~O~ VC~ ^ft^I O O OPPP~O a°04i0a°e3 !~!f'flf ~f~~N NNC ~ N N N~~~-~•~ 0N(00O0O COpppC.~O00 OGCCCG OCOGCC GCCCCGG ~lh!'1{+Mlt~l~~ Phll~'fM<fV OfYf~Y flfjHfNhh M hYh1NYP1~0 88~j SS0yp~,Na ~Vp^fphh~l' 0~~1"fl7 m {`~O•N~^ !p9pQ~ ~~Nppl~P^^f '~ ~ O~OhNh h~~~R~~ {hrl~~~ 1~'fMMC9r!`I' NN~LN`~ChI,NI~V, GOGO00 CCOGCC COGCCO OCOCGC 000000 Nt'7fV1`0 hWPO.-N l'4f N~phO) °~O~-NI~Yf M~0h1pP0 .- ~~~•--~~ ~-NNNNN NNNNN(7 ~ -~ -6g. -~ ~ ~ ~ ~ ~ ~ Q n ~ 0 `' ~ ' ~' o o !: + : r *t ,^J , V ~, ..- ,,..,~ ~C e ~= ---~ w ~ ~ ~ SHERIFF'S RETURN - REGULAR CASE N0: 2007-05484 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PENNSYLVANIA STATE EMPLOYEES VS CONNACHER ANGELA J KENNETH GOSSERT Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon r'(11~TRTZ~(''uF'R Z~T~T(;RT,21 .T the DEFENDANT at 1717:00 HOURS, on the 8th day of October 2007 at 2509 WAREEN WAY MECHANICSBURG, PA 17050-7269 by handing to a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge JUl3D/b? ~-. 18.00 11.52 .00 10.00 .00 39.52 Sworn and Subscibed to before me this of day So Answers: R. Thomas Kline 10/09/2007 VAN ECK & VAN ECK By. A.D. PENNSYLVANIA STATE EMPLOYEES: CREDIT UNION, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 07-5484-CV vs. ANGELA J. CONNACHER Defendant CIVIL ACTION -LAW PRAECIPE FOR JUDGMENT Enter Judgment in favor of Plaintiff and against Defendant, Angela J. Connacher for want of ANSWER TO COMPLAINT. (X) Assess damages as follows: Debt -----------------------------------------------------------------$12,264.82 Attorney's Commission-------------------------------------------$2,477.95 Filing costs----------------------------------------------------------$to be determined TOTAL--------------------------------------------------------------~14~742.77 plus costs (X) I certify that the foregoing assessment of damages is for specified amounts alleged to be due in the complaint and is calculable as a sum certain from the complaint. (X) Pursuant to Pa.R.C.P. 237 (Notice of Praecipe for final judgment or decree), I certify that a copy of this praecipe has been mailed to each other party who has appeared in the action or to his/her Attorney of Record. (X) Pursuant to Pa.R.C.P. 237.1, I certify that written notice of the intention to file this praecipe was mailed or delivered to the party against whom judgment is to be entered and to his/her Attorney of Record, if any, after the default occurred and at least ten days prior to the date of thef filling of this praecipe and a copy of the notice is attached. DATE: L' 1~~ Signature: Melissa L. Van Eck, Esquire Attorney for Plaintiff 7810 Allentown Blvd., Suite B, Hbg., PA 17112 (717) 540-5406 ID#: 85869 NOW, JG111 , o~~ , 2009, JUDGMENT IS ENTERED S ABOVE. P thonot r , Ci Division By: Deputy Document #: 180057.1 .. PENNSYLVANIA STATE EMPLOYEES: CREDIT UNION, , Plaintiff vs. ANGELA J. CONNACHER Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 07-5484-CV CIVIL ACTION -LAW ENTRY OF APPEARANCE Please enter the Appearance of Van Eck & Van Eck, P.C., as counsel for Plaintiff in the above captioned action. Respectfully Submitted, VAN ECK & VAN ECK, P.C. Date: January 15, 2009 By: _ ~ IIL~,J~IJ'~9.Id X71 ~ ~'v~C,Y`- Melissa L. Van Eck, Esquire Attorney I.D. No. 85869 Henry W. Van Eck, Esquire Attorney I.D. No. 83087 P.O. Box 6662 Harrisburg, PA 17112 (717)540-5406 Attorneys for Plaintiff Document #: 180057.1 PENNSYLVANIA STATE EMPLOYEES: IN THE COURT OF COMMON PLEAS CREDIT UNION, CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff NO. 07-5484-CV vs. ANGELAJ.CONNACHER Defendant TO: ANGELA 3. CONNACHER 2509 Wazeen Way Mechanicsburg, PA 17050-7269 DATE OF NOTICE: November 5, 2007 CIVIL ACTION -LAW IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OB3ECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM TIIE DATE OF THIS NOTICE, A 3UDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE 5ET 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 ELIGHBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Baz Association 32 Sotuh Bedford Ct. Carlisle, PA 17013 1-800-990-9108 (717)249-3166 By: r Melissa L. Van Eck, Esquire Attorney I.D. No. 85869 P.O. Box 6662 Harrisburg, PA 17112 717.540.5406 Attorney for Plaintiff V PENNSYLVANIA STATE EMPLOYEES: IN THE COURT OF COMMON PLEAS CREDIT UNION, CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff vs. ANGELAJ.CONNACHER Defendant NO. 07-5484-CV CIVIL ACTION -LAW AFFIDAVIT OF NON-MILITARY SERVICE COMMONWEALTH OF PENNSYLVANIA COUNTY OF DAUPHIN I, Henry W. Van Eck, Esquire, being duly sworn according to law, depose and say that I am the Attorney for the Plaintiff in the above-captioned matter, and that to the best of my knowledge, information and belief Defendant, Angela J. Connacher, above named, is not a corporation and is not an adult individual under the age of 21 years of age; is not in the military service of the United States or its Allies, or otherwise within the provisions of the Soldiers' and Sailors' Civil Relief Act of Congress of 1940 and its Amendments. VAT ECK & VAN~ECK, P,~. Sworn and subscribed to before me this day of January 09 Not Public B w Y• enry W. Eck, Esquire Attorney I.D. o. 83087 P.O. Box 6662 Harrisburg, PA 17112 717.540.5406 Attorney for Plaintiff NOTARIAL SEAL MELISSA L VANECK Notary Public WEST HANOVER TWP DAUPHIN COUNTY My Com~isstor. Expires r,qo~ ?y 2011 Document #.~ 180D57.1 4 ~ ~ 0 .. .-,~; c ~ '~ -, ;~ F ~ { .-µw ~.. > s PENNSYLVANIA STATE EMPLOYEES: CREDIT UNION, . Plaintiff vs. . ANGELAJ.CONNACHER Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 07-5484-CV CIVIL ACTION -LAW TO: Angela J. Connacher, Defendant You are hereby notified that on l~aa~09 ,the following (8rfle~) (Degree) (Judgment) has been entered against you in the above captioned case for Your failure to file an answer to the complaint. A Judgment in the total amount of $14,742.77 plus costs is hereby entered. DATE: Pfothonotar~/t` r I hereby certify that the name and address of the proper person(s) to receive this notice. is; Angela J. Connacher 2S09 Wareen Way Mechanicsburg, PA 17050-7269 A: Angela J. Connacher, Defendant, Defendido/a (Defendidos/as) Por este medio se le esta notificando que el de del , eUla siguiente (A~en) (Des~ete) (Fallo) ha sido anotado en contra suya en el caso mencionado en el epigrafe. FECTIA: Prothonotario Certifico que la siguiente direccion es la del defendido/a Begun indicada en el certificado de residencia: Angela J. Connacher 2509 Wareen Way Mechanicsburg, PA 17050-7269 Document #: 180057.1