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HomeMy WebLinkAbout07-5491I~ IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES NO. 0? - S~fQ~ C iv i ~ Tram CREDIT UNION, . Plaintiff . vs. ALEXANDER O. SANDER . 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 HIIZING A LAWYER. IF YOU CAN NOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Baz Assoication 32 South Bedford Street Cazlisle, PA 17013 1-800-990-9108 (717)249-3166 Document #: 180057.1 EN LA CORTE DE ALEGATOS COM fJN DEL CONDADO DE CUMBERLAND, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff NO. vs. ALEXANDER O. SANDER Defendant CIVIL ACTION -LAW AV I S O PARR DEFENDER Conforme a PA Num. 1018.1 LISTED HA SIDO DEMANDO/A EN LA CORTE. Si usted desea defender conta la demands. puestas en las siguientes paginas, usted tienen que tomaz accibn dentro veinte (20) dfas despu6s que esta Demands y Aviso es servido, con entrando por escrito una apazencia personalmente o por un abogado y azchivando por escrito con la Corte sus defenses o objeciones a las demandas puestas en contra usted. Usted es advertido que si falls de hacerlo el caso puede proceder sin usted y un jazgamiento puede ser entrado contra usted por la Corte sin mss aviso por cualquier dinero reclamado en la Demands o por cualquier otro reclamo o alivio solicitado por Demandante. Ustedpuede perder dinero o propiedad o otros derechos importante pars usted. LISTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSEGUIDA. SI LISTED NO TIENE UN ABOGADO, VAYA O LLAME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON 1NFORMACIbN DE COMO CONSEGUIR UN ABOGADO. SI LISTED NO PUEDE PAGARLE A UN ABOGADO PUEDE PROVEERE INFORMACIbN - ACERCA AGENCIAS OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ REDUCIDO O GRATIS. Cumberland County Baz Assoication 32 South Bedford Street Cazlisle, PA 17013 1-800-990-9108 (717)249-3166 ESTA OFICINA QUE PUEDAN UN HONORARIO Document #: 180(157.1 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES NO. 07- 3`5''9 ~ CREDIT UNION, Plaintiff vs. ALEXANDER O. SANDER Defendant 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, Alexander O. Sander, is an adult individual with a last known address of 209 South 2nd Street, Lemoyne, PA 17043. 3. Defendant is, and at all relevant times material hereto has been, the primary loan applicant. 4. Defendant applied to Plaintiff for a loan for the purpose of purchasing a motor vehicle. 5. The loan application submitted by Defendant was approved by Plaintiff and Defendant signed a Loanliner Advance Proceeds Check for the purchase of the vehicle. A true and correct copy of said Loanliner Advance Proceeds Check is attached hereto, incorporated herein and mazked as Exhibit "A". Document #: 180057.1 6. Pursuant to the Loanliner Advance Proceeds Check 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". 7. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms and conditions of the Contract mazked as Exhibit "B". 8. Various chazges were made by Defendant on the account. 9. Plaintiff provided a letter to Defendant stating that the vehicle purchased by Defendant was deemed repossessed. The letter further advises Defendant that unless payment in full was made on the outstanding loan balance, the said vehicle would be sold at a public sale and Defendant will be responsible for any resulting deficiency. 10. As a result of Defendant's failure to cure the default in payment, and pursuant to state law remedies, Plaintiff sold the vehicle at public sale. 11. Plaintiff provided a letter to Defendant indicating that there was a resulting deficiency after the sale of the vehicle. 12. Plaintiff has maintained a statement of account keeping an accurate and running amount of debits and credits made on Defendant's account. 13. Plaintiff has submitted to Defendant a copy of the statement of account accurately showing all debits and credits for transactions with Defendant. 14. Defendant has not objected to any of the monthly statements of account submitted by Plaintiff to Defendant. Document #: 180057.1 15. Despite Plaintiff's reasonable and repeated demands for payment, Defendant has failed, refused and continues to refuse to pay all sums due and owing on Defendant's loan account balance, all to the damage of Plaintiff. 16. As of September 7, 2007, the balance due, owing and unpaid on Defendant's loan account with Plaintiff is the sum of Seven Thousand Four Hundred Ninety-Four Dollars and 47/100 ($7,494.47). 17. Pursuant to the terms and conditions of the extension of credit contained in the Contract, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest chazge on the principal loan balance. 18. Due to the default of the Defendant and pursuant to the terms and conditions of the Contract attached as Exhibit "B", attorney's fees in the total amount of One Thousand Five Hundred Twenty-Three Dollars and 84/100 ($1,523.89) have been added to the account. 19. Any and all conditions precedent to the bringing of this action has been performed by Plaintiff. 20. The amount in controversy is within the jurisdictional amount requiring compulsory azbitration. Docr~ment #: 180057.1 WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, respectfully requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant, Alexander O. Sander, in the amount of Nine Thousand Eighteen Dollars and 36/100 ($9,018.36), plus interest, the costs of this action, and such other relief as the Court deems just and proper. Respectfully submitted, VAN ECK & VAN ECK, P.C. By: 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 aze true and correct. I understand that false statements herein aze made subject to the penalties of 18 Pa.C.S. §4904, relating to unsworn falsification to authorities. Pennsylvania State Employees Credit Union By: ~-1 ~ Title: C'~l(ec.f.~~Hs l/YI~~G~.- Date: C~a ~ 13 ~ ~7 Document #: 180057.1 EXHIBIT «A» - - i ., PEHNSY.L,VANIA STdTE EMPLOYEES•CREDIT UNION ~ ~' • CASHIER`S CHECK' 'Msi6np Addros;.. . ~, P 0 60X 67013 ~ ~~• • p 2066765 ~~ ~'' 7l,'ti: HAR0156UR0 PA 17106-70(3 ~~ ~ ~" '~ ' ` '' `' j ~ ~ ~~ r~~ -~.' ~ ~1Y ~t'~ .~!~. Rt 't~ `k i5 - i ~ s 4 Y. l r ~ .4, -;DAR 'ti4,` i t~ ' , .- . .. i ., . ` $. 7 800.00 y ~. ~ PAY ~ ~~tti. ` ~ ` ~~ ~ ti ~ . .: •• ' `,~ ~ti s.~4i '; ` ~ ~~ :: ~ ~~ `.~~ SEVEN;THOUSAND EIGHT HUNDRED DOLLARS AND 00 CENTS ~ • 1 y ~ ,` x • - QE q~~, '~~. ~. C ~~ ~ ~NDER'0"SANDERS '~~" :~' ., . ; _: `rewi~ivAuu~srArE " t; ~~ .~ , ; enriorm cw~trtx~aN • , 'Of •.\`_ AND J:KM[E M HALT FQ" ''~, - ~ -_ VOID AFTER'90 DAYS i ~ •, .. • .. ,. ~. ` - , ,. ~• S ~,. ?, 1~ ~ ~ • A IIQED LIOMA7LIIf ~x.~'^s;;~-=x r ,p ~6.5.~.y.~. 23 i 38 i i i 6~:- ~ 6.1.2fa L Z6.i~ 2 ti .?:~ ~k ,,~ .t~00(} 80000+..: a`w ~ '... ~ ~~t'.. ~ ' i i .:. .. ~ .. " : . . .. /ASTATEEWIOYHf CROIT tM~ON . . . ' ~• '. , ti ~ . ~ ~ '` ~ ~~•~ ~ ~ _ .~ .. . ~ ` ~{ ti~ ` \ L; ~~ ~~~r • ; 1 CIrDIT IIMON RAC[ , '. ~ '. v 11MwfMM14 M.1;110 ` a `~' ti i ~ .'~ f, ti•'; J~ a: ':haT ~ a ~ ~~•~ • "t. t Ci-. >R~ . t cnmrr txooN:KACL NMfusatagJ~ 3 ~ 10,• 1~ ~ ~ ~ •~ ~ , ~ + < . fkl7E r :~ , _ ~ ~ ~,.~. ,{ 1 ,~ ,: ~ 1 ' ~ 7 , . ,; .t ~ (1001.337 7f2f NATIOMNIIDE'~ ~ ~~ ~~•S`, ~ ~''`~ \- ~ . •~ .. • . , ` ~ a ~• y: ~Ay ~ ~ u~ 1 ~ • . ~ :: .. . 4~11~~-~;t3~ • 1 i ~ , 03/22/05 ° Ob,.906@766~~ • ~ _.- ti~ ~ ; ~ ~ < , ~~ ~~ ~- . ~~ •~ ~~ ~. CASHIER•'S CHECK ~ ~ , ~~ ~.~ , 1T ~ 4 ~ ~ ~. , L t l ~ti \+ ~ `r ~ \~ ~ !: ,~ ~ ,a, ti ~~ A al, i 1 {. ti y ,~ yf , . , ,` .. ~. $520 00 ~~ ~ , ' ' • T7PEN?Y~DOLLRRS .\ .-~.~ `•^er~lZVl~8II1mRED 71ND,00 CENTS •• ~ r •• L ~~• ~ - • . - ' ~` - :, - - . ._ PA STATE EMPLOYE£f CI~OtT UINON ,;. • • • 7-LE~INDER 0 SAIIDCRS PAY' 7oiNE 0012.16 03123;05 OGDi ~., Safi? =^'9• ''a' ORDER - .' .07Y~R~L0.5HED CfEp: ~s537 y-, =~ .',OP .. ;' :- z ' •. 151 4. ~1 ~ 1 _ ~,,.nar DPtmto _________-~- '~ r ..} '~ .. .~~~ - .. .. _ ~.~ +. ... n .:: _ . . .. .. :. ~ 20687G6u' t:43 i3B 1 i i6~:': ~''00000 5 20DD~' 6 i 26' i 26 1 24~~ 4 4 ~~.~ ~~~ ua-,QR ; ,,a t ;. , ~ 3 ADVANCE PROCEEDS VOUCHER AND SECURITY AGREEMENT the financial llnlFru Pemsylvania State Employees Credit Unbn P. O. Box 87013 Harrisburg, PA 17106.7013 (717') 23a-64134 (~) 237 7328 4reEA!+MA@~. ALBXANDl3R O SANDERS . 03/22/2005 8401105740 /10 0004439310 3031 t3iJIl~iBVHRES DR HARRISBURG PA 17110 PRIVATB PARTY t. ^ NEwLAiW 2 ^ LOIINADWWCB s. ^ tom ~eq ~. a ~rwwwc~ ~FTtrs ~aoMe~curn~a~rae~+mFORTMS~s~~u.ano~arrtNMOSrc+~e~ssrouRHOMefwwa+you~~srrrw~rmix~ooou~r vw-s fF7HISai NOrA HOriE f~NnYAD1NINCE.IN ADOmONTOTHE PLED3E OF BHAfiEa MIYOUR LOMNI.N~n'CRBWT AaRtrilltE F~OLLOWaIa PROP~iTY 8®OUR~THISAOWWCa. itBd PHOPE#rlY .~ ,,,+ ..~,; ~;~ r..•t . ~w.. t. ~ HONDA CMC 1998 IH(~HT8147WLA35341 CPE 8,320.00 a 4.OTHER YOU PLFDOE &IAFIE$ ANDrOR DEPOBIT8 OF; N ACCOUNT NUMBER OLD ACCOUNrA.QM1 NUMaER P11YOFf + INT OLD ACCOtatnW~W NUM~R PAYOFF • IML? OLp ACOOUNTILOAN NUMB6t R~YOFF PRM~ t OLD ACOOUNTILW W 11UA~EFi PAYOFF NC.+ M OLD IYCCQUNI7COMN MJM6ER PAY~F • IN7. OLD ACCOUNT IMi10EW PYIYOFF (PRMIf: + ®y ~pgnp ~ prooaeda or by using the hinds advaix~ed and deposited tnto your eteu~BMtisre drag ecooLBd. You atp~se (1) that Me pn~party referonced abovs wig ssoure ttte advance and any other advanoea you have ~w or reoelvs in the tutors urxler the t.OMN.IN[}1' CrerlR and t3eour<ly Apreemerd (the Plan) and any other amounts yvu owe us for any reason now or in the hilure M ecoordance wRh the terms of the Plan and (~ to males payments as dlsdoeed shove In accordance with the terms of tM t'N~n. GQ~IMUIIMLetaM.Bl.M.ai.a/.i/.90.a1r0.01,PLN111~IrsIFaIIVW rtnrpnwwins~n~eo~wrcwaH,ow„w.~.n.r.+r.o~,~.o ....,.....~., w. re. ~....~.i SCANNE • :. •I :.::.:.: • jQl'~ by System on 03!21 Appficatia~ Received: 03!21 Time Received: 01:49 PM ; ~ ; Appica6onlD: 443931 .s Branch IMPORT -1 ~''~• :~ :..:.. Source• 28g ~ Cross Ref #: ~..~ Source of Repayment Sc~redubd auto transfer `~ Secondary Source of Repayment `! .. Product DL -Direct Loan • Vehicle ban (23) ~ :: Appic~i~t Loan Type: Regular ~~~:w:'w~: Preapproval?; ~:u ~ . Purpose: Autoban-Dealer;~;~;~;~'~'~'~;~;~;~;~'~;~;~;~;~;~;~::; :::::::::::::;:;::: Auto loan-Lease Buyout'~'~;~;~:~;~;~'~'~'~'~'~'~'~:~:~;~:•'•:•:•:•:•:• Auto ban•Refinance'~'~'~'~'~'~'~;~;~:~:~:~'~'~'~;~:~:~:~:~:~;~:•:•:•:• Auto ban • Private Party-;~;~;~'~:~;~;~;~:~:~;~;~:~;~:~:~:~:~:~:~:~:•:•:•:• Auto ban • Member Owned;•;•'•'•;•;•;•;•:•'•;•;•:.;.;.;.;.;.;.:.;.:.;. Auto ban-RecreationalVelude~'~'-'~:~;~;~;-;~;~;~'~;~;~;~;~:~;~:~:~;~ Auto ban -•RoMover' .' ~; :' .; :; ~; ~; ~; ~ : ~; ~:.' ~::: ;: •; :::::::: :::: :: ::::::::: Speaf~ Use of Prorxedr. GedR Bureau Expaian ~ ~:Share AppGcatiorr Information?: Title Fist Middle Last Suffix Name; ~ DER 0 SANDERS ~ '~ ±:~ Brcth Date: 10/1.986:•:• SSN: 77.13.3243•: • :~1}tip~yK~'~ Total Number of People in Household :.LSA:fA.YJA.W~. Cr1J'zensFrp: ~US C&izen ~ Borrower Type:;App6cant ~. Spouse of Borrower. No `:i; Marital Status: ~~~~~~~~~~~~ Mother's Maiden Name: 0 CB PIN: Ema~ BADBI.ACIC02F000S~AOLCOM~;~:~;•;• AKAIFKA: ~'~ • ,... S/()I/•IArI•I d'4finT - PAOr I nf9 :Foreign Address:: Apt /Bldg /Unit """"""""""' Number DK Street Name D~ Type Type Number • Standard ~ 3031, : ~•±~ UINEVERES -~ :*:~ D~R~ ~~ ~~ . `• Rural R oute ~ R oute/M iitary Type: ~ - ---- -~ Number: ~ Box [ •' • - • -' - • ~ PO Box ~ PO Box .'.••,~',:',:~'.:•..'..'.. County : ............ •" ... Lie ~ APT B1 Cit RRISBURG State• pq•• ;• Zp: 17110 Provirx;e: ~ Country: ~.. Postal Code: Phone: (717j 651-0578: Ext:OResidenti~ Status: }Rents ::v;: Time atAddresx ~yrs :~ mths ..SA.t Celiular. (j : • ::: • :: :Phone number verified.:: • : •: ~ ;Address veriied; ~; : ; : ; : ; : ; : ; ~:App6carrt's mailing address is the same as the current address.; ~ ~;Colect Prevrars Address Information. Position: MANAG E R ................ ~ ~ ~ Active qty m7rta y menib• ~~ Employer Name: CDONALD'S Phones 7j 774.1027: • Ext: CRy: ~ . :: ~ S fate: ~~ Veri'ication Phor~ (j - Borower Cale: ~on-E mpbyee Loan„ • • .M .~ - ,--- •~~~:'~„~~ Time at Pres. Employer. 4©: •• . yrs ~ mths Incane: Pam:. ~ Proof of rrcome received ;: Gross Salary: :•2400(100 ~A~Uepy, «~ ~ E~ verified;::::•: : OT/BonuslComm: •:•Q00 . ~ ~:Income,va'rFied.;:: :...;.•.•. AmuaMy .. Other Income: :4576.00 p,muaaiy ::::.:' Sources: Part TimelSecond Job •: •' •' •' •' •' •' •' •' .. AGrrrony, chid support & separate maintenance irrcome need not be revealed i you do not wish to have it considered CoNect Previous Employment Infatuation.:.. . Cogateral to add: New car, truck, SUV, van '- 199(3 HONDA CMC 1 HGEJ8147WL035341 Yalue:8320.00 Basis:Kebey Blue Book Std Adv Va1:10816.0 ~ ..: j ;.:.:~.a.:~: ................................................................ Ttl Cogateraf Valru: : • •: •:8320.00 Standard Advance:: • • : •:10816.00 Standard Advance X:: •: • 130 Exist Liens Not Rafe :0.00 New Loan Request ~::::::::..8320.00 Loan to StdAdvance::•:•:•77 Credrt Limd 1 M asamum Loan Amount : • : • : • : • : • : • : • :0.00 Loan T o Value: 100.00 Puschaxe Detais Sefrg Pricy :0.00 DownPaymart :0.00 Rebate/Other Equity: :0.00 Net TradelnAraunt :•:•:•:•:•:•:•:0.00 T ax R ate (XJ: • :0.00000 T ax Amount: :0.00 Title: :0.00 license: :0.00 Amount to France: : Q00 . ~_ ~__._:.:__ n __.:___. 5/(1~/~()m7 4.46nm - Ppee 2 of 9 Credtor Accaa~t Number P nt Balancer T Last Act Date PO Estimated P 157 8320 I 150 0 H Aim, child court ordered 0 0 0 0 A FRD MOTOR CR 37846531 178 8558 I 0312005 S1 DebtRatia::•:•:14 LC DebtRatia :•:•:14 TotaIS1 Pmta::•:••:••`~:•:•485•' S1 ProjDebtRatia :•:•:20 Orginal Application Factors used in Automated Decisioning Housing Pmt :•:•:•:•:•:•15o Other Expenses: '. •: •: •:E ....•:~••:••:•:0 Appica6onLoanPmt:.:•:•:•:•:•:•157 Total MonthlyAdr ~ LC Prof Drbt Ratios 0 Total LC Pmta::•:•:•:•:•:•178. Current Application Factors bsiirg ut~Zed by UnderMKiter Housing Pmt :•:•:•:•:•:•150 Total MontFrly+AdF ~:::::.- i+lonthly income Summary Gross Inc~rrie: « OTlBonuslCommissiorx + Other Irrcane: = Indvidual Total Irx~me::•: •: •: •: • 2381 Combined I nc~me:: • : • ::: • : • 2381 :•s 0 ther Expenses: •:~: •: •:~•~•: •:0 Appication Loan Pmt ~• : ~ : •157 LC Prof Debt Raba 0 Total LC Pmtr. L Ratios R evolving D ebt : •: •~: • 0 H ouairg D ebt : ••:©: • 6 Total Revolving L•ma Net Disposable Debt Residual Incosae Summary Total Income: • Residual Add: • T otal Ad Pmtx ~:::.'~84 = Net Rosidual Ire: ::::..•1896 Net D~posable Income:: • : • : •: •: • 1896 S/r1~/~Ar17 d•dhmm . Peon Z of 9 Produck ... ........ .. tt of Payments: ~ Payment Period ~M onth~ ~~~~~~ Total Amount Financed:: • : • : • : •8320.00 TotalColateralValue::• :::•8320.00 Combined LTV::::•:•:•:100• EstimatedPaymerrrt::•:•:•:•:156.98 TotalDebtwithUs::• :•:•8320.00 Current System Decision/Recommendation: Approve•:•:•:•:•:•:•:• IBrxrower Ilrrcorrte (Pmts ID:I IPrjDa 1 SANDERS _ ALEXANDEI 2381.01 485.001 141 20 Marxral Loan Number ~. Loan Data 03121!2005:• Loan Number: ~ Suffac Disbursement Date: 03/22!2005:• ReportedAmourtt: :0.00 MahaRy(DuelDate:03/21l2010:• Primary Collateral Code: Vehicle ban D overt Payment:: • : • : • : • : • : • 0. ~ Funds Requesk New ~ New Funds Amk : •8320.00 Payment T5'Pa~ Instalment ~'~' ,:~ I merest Accrual: pduaV365::;r:• Paymertk : • :.: • : • 156. ~ T otal R equested Arrtounk : •8320.00 a.., Interest R ate:~4.~• F•u~al Paymenk ::: • : • : • 156. Loan Amaant: : •8320.00 Marrirtaxrt Term: ~ + Total F•xtaneed Fees: : •:0.00 + Total Fnanced Insurance: ~::::::::Q00 .............. -Total FinancedAmk :•:•:•:•:• 00 Interest Rate Lookup: ::: ::.:.:.:.:. ........... :;1~~: • Usa Decision party rate. Rate Typa ~F•nred ... .... Lock ~ rate. Rate Lock D eta E •:~: •: •: •:~•: •: ~ j~' t tnrl~rwr;r;n• Rw;av 5!02/2007 4:4(nm - Paee 4 of 9 Decision Party: Application Srmre::187 Cutoff::195 Credit Lie Selection:None ~ ~ ~ Plan: FCredit Lie Insurance ~,,,±~ ...._._._._ ...................................... Disability Selection None Plan ~Disab~Tty Insurance •'•s Coverage for. ~gppC~cant SANDERS, ALEXANDER 0 (577.13•c Credo Lie (DecxeasingJ I nsured Amount: • :0.00 Monthly Benefit •:0.00 Prenrium: •:0.00 Cost Per Dayr. • :0. ~ End Coverage Date: Coverage Term: • 0 Credo Lie (Level) :•:•:;:•:•:;:•:0.00 :•:•:•:•:•:•:•:0.00 :•:•:•:•:•:•:•:0.00 :•:•:•:•:•:•:•:aoo ~.•.•.•.•.•.•.:.rt Disab~ty :Premium Paid ~ Caah: •:0.00 :0.00 •:•:•:0.00 :o.~ ~y.~:~:_,~r.:~~.r 1 04/21/2005 34.12 122.86 8,197.14 156.98 0.00 0.00:•:':' 05/21/2005•• • 33.62 123.36 8,073.78 156.98 0.00 0.00:••••• 06/21/2005 34.22 122.76 7,951.02 156.98 0.00 0.00:••••• 07/21/2005 32.61 124.37 7,826.65 156.98 0.00 0.00:•:•:' 08/21/2005 33.17 123.81 7,702.84 156.98 0.00 0.00:•:•:• 09/21/2005 32.65 124.33 •7,578.51 156.98 0.00 0.00.••••• .10/21/2005 31.08 125.•90 7,452.61 156.98 0.00 0.00:••••• .11/21/2005 31.58 125.40 •7,327.21 • 156.98 0.00 0.00.•:•:• .12/21/2005 30.05 126.93 7,200.28 156.98 0.00 0.00:•:•:' 01/21/2006 30.52 126.•46• •7,073.82 156.98• 0.00 0.00.•:•:• ,02/21/2006 29.98 127.00 •6,946.82 156.98 0.00 0.00:•:•:• 03/21/2006 26.59 130.39 6,816.43 156.98 0.00 0.00:•:•:• 04/21/2006 28.89 128.09 6,688.34 156.98 0.00 0.00:•:•:• ,05/21/2006 27.43 129.55 •6,558.79 156.98 0.00 0.00:••••• ,06/21/2006 ..................... 27.80 ................ 129.18 .................... 6 429.61 ........t............... 156.98 ..................... 0.00 ................... 0.00:•:•:• .................. APR: : • 4.99000 Interest Payments: : • : ; : ; : • :0.60 : • : • : • :34.22 tt of Interest Payments:: •: •: •:~•: •:60 . T otal I merest : • • : • :1098.713 Total Payment : • • : • :9418.78 '•Ii''•t ••' iiiiNrlJif Yi ti • - - ~ I i Iiiiihit I I.i L 11'I • VI •' 4tiJ Number of Pmts: ~ Pmt Period: ~M~y 1st Payrr~nt Date. 04/21 /Z005;-~ ~ End of Morph? State: ~~ ~% ~~.. ~~~; ~:~: :~VYaiV~s:: r r_~.._._:.:.... n•...:..... S/rNl~rlrl7 d•dlnm _ Pno~ i of 0 D ecision/R ecommenda6on: Approve: • : • : •' •' •' • : • ; • : Decision Party: System • : •' •' • : • ; • : •' •' • 03!21 !200516:59:24 Decision Based upon:: Review Approvals Below: •:185 Application Scora: •:187 Cutoff: •:185• ^ - - - - _ - .-- ^ -- . _--- Review Declines Af~ove: ~ : • : •0•~ Review•Abnormalcreditrepat. (ALEXANDER SANDERS) (Experian~::'.•.:.:.:.:.•::;:::.::::•::::::.•.•::::::::::.:.:.: Decision: rova•:•:•:•:•:•:•:•: CurrentStatr,rx chive•:•:•:.:.:.:.:.:.:.:.•.•.:.:.:.:.:. UnderwrRer: System•:•:•:•:•:•:•:•:•:•:•:•:• 03121•/200516.59:24:•' Max Sys ApprovedAmt: Reasons to Override: St~ulatior-s :....................... ...................... •• ..i: :; Type: A6 •.:. 03l21120051~49:03 Generd AppfmporE:•:•;•:•:•:•:•;•'•'•'•:•;•:•:•:•;•'•'•'•:•:•:•'•'•'•'•'•'•'•'•:•:•:•'•'•'•:•:•: 286/CELL 717-896.8127~:•:•:•:•'•:•:•:•••'•••••'•••••••••••:•:•:•:•:•:•:•:•'•••••••'•'•:•:•:•'•:•:•:•••:•:•:•:•:•:•:•••:•:~:•: . .......... ...... . . . .................................................................... ................................................................... .................................................................... ................................................................... .................................................................... ................................................................... .................................................................... ................................................................... .................................................................... ................................................................... ..................................................................... ................................................................... .................................................................... ................................................................... .................................................................... EXHIBIT "B" Pennsylvania State Emp/oyees Credit Union P. D. Box 67013 1 Nanisburg, PA 1 7106-70 1 3 • (7f7) 234-8494 Harrisburg, (800) 237.7328 Nationwide the financial link. Loan Disclosures 'Kris LQ~1Pil.INER' Crete and Security Apreemer-t, whidt indtrdss the Truth h Lending Obdosuroe, oral be referred to as the Pian. The Plan documsrtts frtGtrde this agreentMtt and an Addendum. You. your and borrower mean any person who signs tlts Pkrn. CredN tartar, ors, our and ue mean PSECU or anyone to whom the Credit Union transfers its riphb raider tM Plan. HOW THIS PLAN WORKS -- This is ar- open-end. multl-featured credit plan. We antldpaEs that, from lkrta m time, you wiM btxroar money (calved 'advances'} tinder itta Plan. tNe era not regtrirad to make advances to you under rite Plan and can retwe a aquest for m advance at try dins. The Addendum describes the dN1eroM types d aedg (caned'subaccotxtts~ avanads under the Plan, the txkrent kttarest nate br ee~h subacoottnt exprsased as a dally periodic rata and conesportdinp annual rata and otlwr charges. tt may abo have other temu and a stdtedtrts determining the payment amounts. CAEDIT LIIi1tT - Ws may, but do not have to, esfadbh a credit grnit on certain suttad:ounb. H a credit ling is tteA for a stBtaccount, you promise not to exceed the esWfgelted credit ikrtit. tt you extx+sd the credit limit, you promise to repay knreteMetey rite amotmt tMtk;tt exceeds the credit nmtl. Rt7g1YMENT - lrbtt prorttMe tD afl arttounb You owe under the Plan plus htsraaL Payrttstta era dire on Cie last d the month unlaces wa set a difbrsnt day at the time d an adwtce. tf the iris no payment echsdula for a subaoooratf. yoturaM wig be deterrnkted at the ihte d inch advance. Payntertb nasit any amasrt peat due and any amount by whbh you Frew axawett any CrstiNt pmlt you ttttiw risen ptven fora :~e~urd.llbu may repay ate ar part t>f rilttrt you trove at sty tame twflttottt any prspayrrte~n[ P~nY. Ewr- rt you PrePal• !~ wig stll bra nqukdroa male Cta tteptrhrfy ar~trled paymardo tutiep vrs apna h wrllYtp to a dwtps h Cw sdhedrde. K you ttaw a Ion ettarednd attoanR Yde wll be rsMgx~PeYeKi cep overdraft adwrxres otxeirted blr a Jaht (toida d the sttaredraft attcartL thtiesa dtterrwe required by C~~edgp~n d~~.~ to antotnts erred urKfer the Plan. 6n tits rrtanr>or !ha Pt.A#1 Srt5C~6 -1bu area atttarr r:.dlt adwrtase h -rsuater autltorized by ua. tt Mrs allow you. to ueayorr ATIIffDnbE alrQ w atresss tlts Pqur. you may ba gads br rite u,,,,fho,taaQ tr d _ynv fi>tAJDef~it caNahxr wN trot bs laths for unawttortraed tree titer txaara agar you ttotJll- ue, oaegY or h wrlYtp, d uw lose, ttwlt, or passible tstaeJgtottsd rise. a you Deiirva Yarg~lQ~irflDewbAttltnpand has t~ toot or stolen, ~slesrrtrare h ~ PIS11. if M tend is txesd 1o ah trw~+or~' «d advertise ~trom the Plan, yak isllRly wig not exasd Ste. K the tstaettltotfzed wltlttYsaAl i• trorn a attsedraft aooourt6l~ Y b 0~^~ by the ~p~On E tlecloeuse You rsoslwd tl the tNtte you reatved yolk /CTM/ card, even g the wttltdraiaai raatAb Tr en attvenoe befrtg mods fiom your overtkr-tt atrbaatotnt. 1:1NANGE CtNIRi#fi -The doper amount you pay for money borrowed is raged a pOmpubd ,.para.ly b eadt~asparda babsroe urtdar tt-eA Plan. aT c~ompsutwgl~ thartoa ewe, the unpaid ttelarta for each dW shce yak last payme ten (a sirxe stn advartas fl you haw notyst made a payntwtq is muktP6ad by the ~Y psAodo ntttr. The stun d thew arnotxas k kre flrtartoe citsrpe o~wa~badrtce used to erortiptra the thane dtarpe is rite unpaid bektrx:e sash day after payments and txwtNS M that baggfoe opus bean aubtraotsd and any additlone to the balance flaw been nrda. h adtNioet 1D hDefaet vre maY dratpa othK flrwtcs cheuyes v~tfch are dk+dosed on the Iddandtar-. H the hbsrest ra6e Is a variable interest rate. the Addeetdtan etgttahs how the varfede htsreat rata works. faECUfarY - tMt ptsdpe as sswrtty for the Plan al sttarss and dNidends and, tl any. cep deptteNe std Ytlerost h al I~ and htflvidual atxnurtn You have with ua ttow and h Cie 1tAUrs. K a spsdnc dotter amount is pbdged for an advance, we wig freeze ehanes h that atxx>tutt h Cie erderrt d the outstand'irtg txelarx:e for the atMtloe. Otltswisa, Yak piadpod shares meY bs withdrawn artless you are h tlefstdt. T1t-e foMorrhtp paragraph tnppllse to sg states except bn Ohio, Rhode tslstd and ~: YYa haw a statutory pen on Cis shares and drvldeftds and g try. Cie dsposMs and interest h ell indfvidud and Jairtt aocourtls you hew with us and may eresretse otu ripfm wider Cre pen ro the ardent permgted by stela law. (yVa are s6a6s cttarMrod g otk name dose oat irtt9trde the term 'Federal Credd Union.~ry Far etl borrourrere: TM stehrtory lion and/or your pledge wig atkrtw us to apply Uts ftuede in your actmunt(sj to whet you owe when you aro In default. The staRrtory gsn and your pledge do not apply to arty Individual Rstlrement Accotatt of any other atxxxstt t1'tat would bee speasl tax treatment undsf state or tisdsrai law H given as aearrity. AddltlOrtal tOr the Platt may be rscltrired at the time d an advance. if a subaoootrrtt~ida ss a ttyyppee d propeAy (stxn ae'New Cars' you must give that type d poopetty as seaugY when you get an advance under that atrbacoolJnt. A subaoooestt narrto such as '~Otlter Secured means you must provide aaurity acoeprble to vat when you obtain an advance under that subaoooutt Property you giw ss seaatty tall sstdke ag erratrrtts owed trader the Plan and all other bona you haw with us new a h the future, eurapt try loan secured by your principal dweaing. Proporty aoctrYtp ~f loans ytw ttaw wiCt us rosy also satxlre tl~ Plan. CREDR HaSURANCE - Credtt fife and/or credit disability insurenoe is optional under the Pkut. N you quethy for and purchase the insurance From us, you authorize to b add the instkartca premiums monthty to your loan balance and charge you O CUIU 11UTltA! 6r10Un, 19e0. Q N. e8. M, 91, S9.2000.Ot, 02.09_ 01, 05..41 RIGHTS RESERVED _~ hteresl on the entke balance. if-you sled credtt insurance, your payments may increase tx the period d tune necessary to repay your advance may be extended. The credK insurance rates may change during the Plan. t} the rates change, we will provide any notlces required by appaade taw. PERIODIC STATFJAENT - On a regular basis you wig receive a statemwlt sltowing ag traraactlona txxfer Cis Pbr- durktg Cie period covered by the statement. StaMments and notices wig be sent to you at the moat retxtrtl address you Rave ghsn us in writktp. Urtkess applicable law requkea rtotiee to each joint borrower, notke to any one d you wS be notice to all. JOINT ACCOUNTS - If fhb b a Jok» aex:ourtt, each d you b hdvkJuallr and johtly resportaltle for paying an ernounb owed. Thrd means ors can enforce our riphls under the Plan age any arre of you httlvlduaNtr a agaktst ew d you N you gNe us hcwnalstsnt instrtrctlons, eve can refuse to blow your ktetrtrcgona Unless our wrNtan policy requkes al of you to sign for an advance, each d you s<Ntorizn the other(s) to obtain advartcss irxlvidttaly and apnea to repay adwneea made to the otltsr(a). Arty IaM acootatCtoider may terrttktate tM Plan by gtvkq w prbr writlsrt rtotios. H airy of you tsrtt+irtste the Plan, Cie Plan b tsrmhaaed for al d you. Ytw remain labia ktdvidualy and jokttfy for cep adwutoee ktcurred ttsbre tsnnktad~on. FEES AND CHJ1tiGIE3 - tt you glw ua a setxuity ktterest h osrtah types of PAM. ors ~ ~ Y'a a iRrtg tae to perfect ow knarest h the properly. H we do, tits amount d the tee wNl be tfisoloNd tD you at the time you attain en advance. IAfa may altoother faa h oonrteatton wkh the Plert. Otk cumrtt lass ere dlstaossd~ltts and wil bs added to your ben ttelartoa tatNss Y~ PaY t~D-T9Vti CREDfT iNFtDtiCIATiON -Ybu promise tltat you wll promptly piw us tingtan notbs N you t-toue, your name a smpbymeM. or Mary other trtbrrnatlon you pttovldatl b ~ Upon our request, you ttiso aproe ~ ptwlde w trpdsted (hartcted hlornteAiort. ~~'T - Tin lAxr - bs dt~ultro earowws ie IdaAal, tfsnsa~, fl+Ybrr and a«tU, taercrlntr: trdli h >r you do oat ttittite a c1 tM prwratt required wMn R >s dw. Yar wil aMo be h tfttiwil C we bs the pirapeotd pt~Fertormana, or reaMtetlon on anY ix'oP~h !~ ~ e+cerrity Tire fb!loeedn9 persprapir appilse ~y fo borrntvsrs M WfiooaNn: rbu win t» h default M you tel to males a payment when due two itretea durhp cry 12 month You wll bs In dttfstrt g ixeefdrtg arty Promise ntsde trtder the Plan materlaly yolk aitigly to repay what you owe a mssrlegy fmpaMs the tmrtdtlon, value, or protectlon d or our right h any property Ym+ ~ ~ The foflaWnp paraprsph epplNs qtly to baroa~era !n loere: You wig be h defasdt K you are more titan 10 Isde h a payrttent. You wll also De h deiatdt N you do not txxnpiy watt rite taints of 1M i~tan end yolk faAure to crom~y ntrtterially lmpelre any property You ga\re as security or Your adAly to repay what You outs under the Plea. The lioNow-ny yrayraph sppAtsa ib barowws in el! of/esr ass0s-: libu wdN be h dehtdt N you tb trot mmaakkse a payment d tlra amottrtt regt8rod wlteer h b due You wgt be h default g ya, ttreak try P You msda under ttts Ptsrt a g anyone w h da1wR under arty seaxPls- aprwnMrtt macs h oonnsotlon +eph Irt adwrsoa under Cie Phn. `ibu wit be h default g you die. tls for bardauplay, become hstlMnt, g you males any fats or misisae/rtp statemsrtta h any reedit appNos~tlort or update d credit kdorrrrettlon, tx H sontstldnp happens we beasve may strbWrMially retfturs salty b repay what you owe.libu wit be h dskadt H arty property ya+ liars t urxt us es sacurky is reposssaeed by someone else, seized txtder a itrrfslRrrs a skrtlar law, tx g artytl~ktp else ttappetts that siprdflcarttly aflecta the value of the property or our security irttersst in iL wig also be h default under the Plan g you ere h default under arty other ban agreement wllh tta. ACTIONS AFPEIi DEFAULT - The fbilowhty p~ epPNes to borrwwrs In CoWrador Dlafrfct of CaHunblty bore, irenaeai i ~Alhsaat, ettpNsitlon dd try rfpht tinder appgl~sde atsts Iew ~ true debtdt, we tart tker-tsrtd immedate~M d iM entire unpskl balance radar the Plan without tik+ktg Y'~ atMrtce The AaNowinpprph apptlites to barrouws In ss otharafafss Wbonrrs/n and LoaJefanr you are in dsfauk, ors oxen regtr4s Mtrn M payrnertt to rkrrtsrtd forj dpeymertt, rtoll~d ip aooelerats and rwtioe d aoo~iin~itiort~. ~ TM Aolfowkty P~AP~ aPP/Y to borroasrs h eN ataess ezwpf tMaQOnsM and Ladilene: M krtrrtadate payment is dsmartded, you wS cvrgkara b pay ttOSreat ttrttl whet you owe has been -ePsk1 at the aipplads interest rats h eBit:t or, tl appMattle, at Cw detaWt rate dlaclossd on tlts A>idsrtdum. It a demand for httnediats psyrrtent rtes been made, your shares arxYor deposgs an be appged towards what you eve ae prvvWed h tits section above calved 'Security.' tiye can also exsrcbe er-y olftar rights given by law when you are in default. You agree the Credit Union has fire right to take possettsion of any property gitren as security under the Plan, without judicial process. if this can be done without breach of the peace. If we ask, you promise to deliver the property at a time ark place we choose. if the property is a motor vehicle or boat, you agree that rve may CPSMOt PSECU FORM t110e JEIXXOeOt-2 017.2002.1 (1105) LOANLlNER' Cnedtt and SecurtN Credit Agreement (continued) obtain a key or other device necessary to unlock and operate R, when you are in default. We wiU not be responsible for any other property, not covered by this Agreement, that you leave inside the property or that is attachod tv the property. We will try to return that property to you or maks.ft available for you to claim. Alter we have possession of the property, we can sell 4 and apply the money b any amounts you owe us. We wUl dive you notice of any public disposition or the date after wrhkh a private dfsposiUor- unit be held. Our expanses for taking possest:ton of and SelCxq ttte property witl be deducted from the money received from the sale. Those coats may include the cost of storing the ProperhL P~~9 it for sale and attorneys bees tdttte eudent permitted trader state taw or awarded under the Bankruptcy Code. Ybu rtxtst pay airy amount that remains unpaid ether the sorb money has heart applied to any txtpeid balance wider the Pian.llbuag b pay inMreat an that amount at the game rate as tits ttdvartce, tN, if appecaWe eat the default rate tMadosed on the Addertdurrt, untN that tttrtourtl has been Paid. TTN fi>>btrtr~ Drily ro N7scrorsln 6onotMane: When you are to tiettutit and atlerpeen atlon of any tight You have under aPPUt~ble ateQs Irw bo rxrs yea default, are rttaY require inrrtedsle payttxnt d Your otAStendng Bart balance trrtderihe Plait and esek P ~ PmPKh tt~ ~ atrcu-tty. tibt relay H >~ ~ properly b fro M dtooe4 ar twe malt seek b Uake paaassiort of the Properh- by jtxidsi process. tt aro rapos~ Ste prpp~rty Y'ar rgree io PaY reesatabN e~erteea incurred in ~po~q of Mte property, If tl» }roparty Ie a rttotor vsttlde, rrable fwtne. treller, attowmobOtA- ~ioltt a aYtxah. You rIiE also be tatptired to pay any ooaDs Pertrdded by Sec6ort 422.419 d the Wbtznskt StaYrlse.lKxt Herat pail any arnott-tt that rerrtairo ttrtpaid after Mte sate rrtortey ties train appied b what you Dire txtder Mro Plan. `tbu agree b pay interact on any ttttpaid amount d tM came rats as the advance. or, if apploable, at the dsttwR raw disclosed on the Addsrxkrn, until that arrtaxM is paid. n Mro property is healed outside Wisconsin at the time of default, we may take poessesbrt of the property wtMtout jtedidal process, R permitted by the state where ttta prttpetty is located. 7Tre fio~RotebtQ penear~ph appNea only ro Loutetana bonowsra: when you are kt tisFault the cmn regWrs irxrtetiiate payntertt (acceleration) of the entire unpaid baknoe ttrtder the Ptah. You wales any right you trees to demand for paymsrtt rtoMce of i-tent to aoglersrs and rtoMce of acceleration. It irrcreeriate prtymsnt is demanded, you w>d txrnUrnte fa intt~est ttrtMl whet you pwe has been repaid at the applcable itterest rater in cited uniese a tietauk rate is disclosed on the Addendum. M a tfemand for httrrtedfale payrnsM Iles been made. the atterss and depoeKs gher- as seourMlr br tM Phrt can be appied toweeds what you owe. We cart ateo atoeroisa any oUtar ~ gMsre by law wften you are in default and our rights ttrttfrr any ttecta'Ry apraerrrcttt you have wrh re. CANCEJ3.R~iG aR CtiANOMIG TFIE PLAN - The foRorrtr~ parayr~plt rrPF~ t~to ~lvinQaty~ativarrae t~ ngt+irod by ~dddtartge to M-e kMSSrest ruts or outer charges wiM appy to hahae edvarxbs. T-Fr partrtpraplt rppttra orry ro bon>7wrn to Wiaeonaln: We can cttartps iM terms et from time to titre in aocorderuro twtMt SacMort 422.41 S d Uve VVfeoortsit Statutes. Mbct wE be notified ad any chanQs in terms. An Utcretce in Me tiWy periodic rats trrtder a veriehle rate interest rate t not ooraldareid a eMtettpe M terms under ltta PFan. tNe au+ cattaM it-e srWrs P1tut of airy part of the Plan et any firta. You may oar-oci the Plant at any tMe by giving us prktr wrM~en nodes.llWJr obfigrtlort b tM ttrtpaid trdartces trrtcW Mrs terms of the Part caAlrxrsf whsMror you ~ tint w~eeMt ts+ion cartost the Pfau, oooespt bo tt+e extent filet your ~ t ftttfgsti b!r SttcUort 4ie~1.4155 of M-e Wawoortait Sfattttss. 7>1e apptpa arNy tb bornrwe>t-a to tare: tNa cut cfwty4 lira .terms at fieN Mrtp~tts tc thtmra tdt+sr givirt/ You~! atvonoa noMoss required Fry leer. A Cfiertga Mpq i~crstNSrs U» nets d iitetrtoa clurge a other ritarge, that ktorgyse Mrs arrtaurt! of payrftertts„ ar that oUterwlats advertreAr atMds eodtlitg balavtoss rrAF app1Y to ~belrrtoes txdlr M you agree to the cltertgs or you t»s ttN Piet' dFer ~ tFtet your tree d the Plait means you agree lira ctter-gei apples to bdertoes. 71tis IbgOadrrg ptNrtprapb itppgae ro bonotrrwr !n d/ other ststar: We Frew the -lgtrt to charge ttta Mrrtc ~ the Plan from time to time after 9~^9 you arty advance notiat regttirsd by latw Any rdtargs in the itbrest rate wll appy to futuro advertces, and ro our tiiscxetiort and ttubjact to any requirements of applicable Ines, wE also aPPiY ~ ~ . T1re Aoifowfny ptenDlraTrh appolea ro a/I trot M?aconetn bonoturrr: An increase in the duly periocAc rete under a variabb interest rate is not considered a change In terms tctder the Plan. we can certcaf the erttlre Plait or any part of the Plan at arty time. lhttt may cancel Mte Plan at any tlrtta by giving us prior wrttten notice. Your ottlgatlon to pay the unpaid bequtcec under the terms of the Plan continues whether you or itro Credft Urtion cwrtrtel the Plan. DELAY IN ENFORCUrO RKiHT3 AND CHANGES IN THE PLAN - We cret delay enfordng any of our ti~tt under this Plsn any numtter of Hines without toeing the eblRty to axerdae our right later. Ws can enforce this Plan against your heirs or Iepai reprecentaMres. H we change the terms of the Plan, you agree that this Plan w~ oonUrau to protsd tom. t?ONTINUED EFFECTNENESS - ft airy part of this Plan is determined by a court to be urtenbrceaftia, the rest will remelt in effect. NOTICE TO UTAH BORROWERS -This written agreement t a final expression of the agreerttent between you and the Credit Urtion. This written agreertterN may not be contradicted by evidence of any oral agreement rain toettartitp to rlgrGrd bl Yatmart tau - NOTICE TO CO-SIGNER -YOUR SIGNATURE ON TNIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THiS LOAN. IF THE 80RROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COIIECT FROM YOU. The following paragraphs apply If you give security in connection with an advance under the PIan.They apply to borrowers in all states except l:ouisiana Louisiana borrowers will execute a separate security agreement. Borrowers in other states may also be asked to execute a separate security agreement. THE SECURITY FOR THE PLAN -You give us what is known as a security interest in all property described in any receipt, voucher or other document you receive for an advance ("the Advance").The security interest you give includes all accessbns. Accessions are things which are attached to or installed in the property raw or h the future. The security interest also includes any replec;ements for the property wttklt you buy within 10 days of the Advance or any extensions, renewals or refinancing of file Advance. It also includes any money you receive from setting the property ar from insurance you have on the Properly. if the value of the property declirtss, you promise to give us more property ed security it asked to do sb. WHATTHE SECURITY INTEREST COVERS/CROSS COLLATERAL PliOVISK)NS -The aecttrey interest setxtres the Advance described b Ute receipt voucher or any other docxrrnerd you receive st Mte time of the Advance and any etdensiorts, renewals or of the Advance. K also secures anti otfter advances you have r-ow or~ lira fittura wtelar trite Phn and any other smounts or losne. incltttSng my oratiit card torn, you owe us for arty rsasort now tx in ette future, agreeptarty Loan secured by your prirtcirroi nesidartce. U U» property is household goods ore tiefirted by tM PsdslN Trade Commlaalon C-erkt Pn~otlces Rute,. the property w1U secure Doty Mrs Atiwnoe and not other atrtotatt you owe. OYIfF1ERSHIP fJF THE PROPERTY - Ytw prtxnbe the! you own eU property you give ore security or M the Ativartca is to buy the Property, you promise you wifi use Vie Adtranoe br that purpose. llbu pronties that no one else has any Interest in or [lain agtriat tFts property tftat you have riot already told us about. Ytw promise not to ssN or bsce the property tx b rtes tt ac setwrity for a ban with artopter txedltor until the Advance ie repaid. You promise you wiN albw no other security interest or Uen to attach w ttte property sitlter by your actions or by operation of law. PROPERTY INSURANCE, TAXES AND FEES -You must maintain property Insurance on ai property that Mott give as security under the Plan. You may purchase the property itsurartcre from artyotts you tdtooee wtto fs accaptaWe to the Crer~ Union. The amoutt and txruarage d the property insurance must be eooeptehle to us. Ybtr may Provide the pnopsrty insurance through a PAY Y'~ ei-sttdY ~. a Uxottgh a Ply ~ atxl PAY Proof of coversge to tin N aaloed to d payable to us to definer Mte H you cartcei you itsuranos and get a relurxi, ws hays a ripttt to the reftrrtd. H the Property b lost a ire exit tttta the itetrartee eatttemsrtt to repak the property or appy fi ~~vrFtat you owa.lr4cr attMtorize us to endorse any drab or tltrs tinder yot~itswupoi yc~lbu glee promise pry retina ~ ~~ re~stratiort lees) due on the property. M you dp riot pp iM tstttec or Nss on M» properly val'tert due ar keep k insured, we may pay these obNp~oro, but we are not ratitired m do sa Antr money we spend for tazea. less a irtetxartos wiU bs added ro tM unpaid fxa4rrtoe d lFte advartoe end you wi pay irttereet on tttors arrwtrtt d file saints refs you a¢esd b pay an the advota. Vye may roosirs ptttymwfis h cac»cUort wtMt Mrs irtccs'cutce irnrrt a wMdt the iwxsrns. We may rrtartibr our loarta tar tFta purpose d dlKt~ wand outer borrowers haves tx>frtpisd rrNh ifie Irtetaartce rerttrkerrtent of ou loam agreement or may engage others b do rsaThs itscsartos added to en advertoe may ixlttde (t) Ufa itetsartoe ocrrtperty'a peynwrrs to w andthe and d dtttsmtNng corrtplanoa with the irurattos t!squitttttent. K ws add antotxttt for tttttes, tettc a (tttttrertoe b the a~dds~d wtUtit MroM~s tertrt of itaurant~or appro>drneti~lerrrtarivr~ioe. ttmotatt U~AtIMCE NfY17CE - M ytru do not purdtatro the retttYred inwntrtce„ M+e itsttrance rein rt+sy purcf>a,a and dtarge you for wtfi cover ortirtterest kt 1Fte property: The prorakart for this ktrurortoe may be higher becauw the Insurance ooptpartlr rrtsy hang even tat its tigFtt to ptndtase intaarrtoe alter urtirteured octiedsral to lost oa damaged. Tits htettrartoe teNl rear! ba iHt6Etty Irtetrrance end t+rdt not aailety any abt6e tlrlasrelal t+espotalblNty or nor fault taws. PROTECTING THS SECWlfTY IN1'EREBT - tf your state issues s tkle for the property you promise to travel err estxtrily interest shown txt tits title. We may have to fqs what is ca8ad a iir>s~tg statermertt to protect our security intenest from the claims of others. M asked to do eo, you Promise to sign a tinartdr-p statement You ato promise b do whatever else we think b necessary to protect our security interact in the property. You promise to pay all costs, ixluding txtt riot Ikttittrd to any attorney lees, we irtcctr in protecfirg our security interest and right in the property, to the extent permttted by applicable law. USE OF PROPERTY -Until [tie Advance has [teen paid oft, you promise you will: (t) use the property carolttlllr and keep tt in good repair. (2) Obtait our written permissan before mating major changes ro the property or drongitg the aticiress when the property is kept (3) IMorm us in wrMing before changing your address. (4) Allow ua b inspect the Property. (~ Promptly notify us H the Property is damaged, trtden or abused. (6) Not [roe tM property for airy unlawful purpose. (7) Not to reUUe Property h anottar state rriUtocrt teeing Frs. NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE - THE MOTOR VEHICLE IN THIS TRANSACTION MAY 8E SUBJECT TO REPOSSESSION. IF R IS REPOSSESSED AND SOLD TO SOMEONE ELSE, AND All AMOUNTS OUE TO THE SECURED PARTY ARE NOT RECEIVED IN THAT SALE, YI?U MAY HAVE TO PAY THE DIFFERENCE. NOTICE FOR ARRONA OWNERS OF PROPERTY - It is unlawful for you to tail to return a motor vehke that b subject to a security interest within thirty days after you tittve received nodes of de(attK. The notice INN be mailed to the address you gave us. tt is your responsibility t0 notify us if your address changes. The maximum penalty for uNawfui ialure to return a motor vehicle is one year in prison andlor a ens of st so,0oo. This notice contains important information about your rights and our responsibtlitles under the Fair CredR Biting 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 QUES710NS ABOUT YOUR STATEMENT. If you think your statement is wrong, or if you need more information about a transaction on your statement, write us on a separate sheet at the address Ested on your statement. You are required to notify us in writing within 80 days foiktwing file date on which we sent your statement wherein The error or problem first apppeared regarding any discrepancy or una.rtttorized transactions on your sccouht. Fafluro to notify us may result in your acceptance of any responsibility br payment or roimbursament to us for any such error or discrepancy on your aaxount. Write to us as soon as possible. You can telephone us, but doing so moil not preserve your rights. In your letter, give w the blowing information: • Your name and account number. The dollar amount of Cie suspected errs. • Deacrbe the error and explain, it you can, why you believe there is an error. If you need more Inbrmation, dsa~be the item you aro not slue about K you have- authorltsd us to psy s credit card atxatutt sufomaa:tnntiyycalhr~rom year sttere steoourtt a checkir+p aaattrd. ~lette~r must ~eacFt tnNtree~lwsirtesa days the tMrortp. To stop tM payment atriomadc payment b ~ b ocrxa. YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN N071CE - Ws must ackt-owletlpe your letter wahfrt 30 days, urtlsea ws have oortsctsd the error bq 1Mn. WiMtkt >i0 days, as must either correaf the error or eKpisgt why wa f+eflti~+e at. atreterrtertt vvas correct. k1 this AQrearrrartt. MIe Words you-and your rr+eans each rd a3 of Utose vrfw appy for tits <tatd of who sigma Mek Agrosrrtw+A. t3erd tr-earta the Vf#8 t~r!Wt Garet and arty dupNp~t and rartsiralk tact ieaw: M:ttoewtt tnsirta your.VMs Crot3t Card one of Creaiit soeaunt motet us, YMa,'w, and awe ntstara Nib c.~dht union. 1. R~POlJ7Y-- It we Maus yotr a prd, You. b repay aA dW1s attd the flrtrrtpta f'hrr!pe atfeittp front the tms d Mrs prd and tltir pfd 4ooots+L For aaerrtplrR you are -Seponetbie tot matte by youraetf; your apotw and tninot dltkirart. You ere aMp respartafbM for dW'rpp n~4. by +nY~ elw to ytiftam ytxe giw the, card, and die teepiorrsilriBy oonHrttare ratltf Nis and b retyowntl.Yatr ttattnet dbgfatm roeportaif>Ity by tlt7tliyhg ut, but vile rMN close Mrs aoootrtt Tot rtaw trattaactlorts N you so req-talft and Mum a1 carpe. `Thar oblipatfon 1o pay iris atxxturt balances ctxtarxrss even though sn apreertterC, divorce decree or cater court jtdprnant to MAtft3t vve are not a party may dlree! you or orte of the oilier peratxts reaporalble to pay the aocotrnt 2 LOf51' CARD N07ffiCAT10N - N you belts the laird has been lost or stolen, you will trrunsdlaesy pN tM Crsdtt Union at (717) 234-8484 or (800) 237.7328. After fours adl (800) 568.3878. 3. UABII.fTY ROR UNAUTHORREO USE -You agree b notify us immediately. orally or in wrging d Mrs bits, theft a unauthorized use of your credit Card. Ybu may be aabk for tl1q unauthorized use d your Crsttit Card. You wMl not be lfaWe for unauptataad arts that occurs affair you nosy us of the Ips, theft, a possible tstauatorfzed uaa. You molt ttsve no tirtbitly for trtauMartzed purchases made vugh yotu Cte~t Crud, txYsas you are lFo~ negfipsrrt in the handling of your Card. M any atae, yota Nabiwh' will rat attcsed 360. i~ Ctt;Edi' L~ - H ,more tgtpravs taut won. we WII stttab9eh a seM~ npleriatirtp tits vi Cretit for ytw and rtolity you of its errxxrtt when wr ierue tits aard.tbu apres not w fat tfr aoaount balafttte e><csed this appro6eid Crodit Lima. Fscft pttyntacR you mdta an the at>Gatrtt tril reeiore ytxrr Gtdt the by Mrs amaxtt of Nw whkir t. appgrd b the prtrx3lfaL Yott mAy reQuttst an Mtarrue a yar CrotMt by rirrRfen appNoaaon to us, wF+leFt mart b. appraisd by ota txedN contrttiNae a loam aflfosr fsY gMnp you wrlttart rtodos ws may nducti- your Creaift Ltte from tittle to tlrrte, tx vtrHtt quad oarae, revolaa yexa card and termktette Mils ligrssrr+ertt. t3ood tears irtryttrtaa yetaatrlun to otst~tlywih Vtia AQaarttanl tx arty outer rl~prestttertt wbh ue, a ow adveree resvaNatbn d yea aedlworMtk+ea:.liw may also iemtinate fhb Agrearrrsrrt at any Hma, ixtt tanrirtatbn by efthar of ue does rtai atfsct your cbipatiort b pay the aooourq balarae. TNe cauds remain atx property and you must recover and surrertdet b trs all cards upttrt ota requae! and ttpat terrttirtaMort d this Apreemertt. 6. CREDIT 1NFORMATlON -You atrlftorizs us to invssapats your txedit stancang when pperYrp, rertewYtp a reviewing your sacount. and you auatorlxs us to dbdoss tnforrrtaNat npsrdlrtg your aocatrtt b credit bureaus and other credaors motto inqute of ua about yartr credit stanchg. 8. MONTHLY PAYMBdT - Vve moll mat you a ataterrtertt every month sttovvir>9 your Prevlotn Baiartoea of wtd+a,+er and weft advar-cxs. ate currwtt transactions an Yoty acootmt, ate remaiirg ttrdt avaiable under your Crept tJrts, Cie Naw Bebrtces of purtitares and casft advances, the Tbtrtl New eeterroe, the finrrtcs Charge due to date, and dry otter bilad ieea. and ate fYOrrirrrart Payrrterrt requbad. EvvrY morrh You natal f~Y at least the Mrdnxm Payment vtAadrt 25 days of yourotattenrent rNoektp date. By separate spree«a recite ~rt~aooo ~r~wrh r~ You ~ ~ course. PBY ~ PaY ~ tttart tfts MYttntarrt PeyrtterN, a pay the Total New Balance it tut, and you will reduce the frtartce cftarDa by doing ~. a your monhy Payment exceeds the total credo Ens balance owed, the rH atrtomatica~y post Ire aedlt to your 51 shares. 1Tte ntiNtrium payntei'tt will be (a) 2K of your ?Drat New Balance, rounded up to the naaxt even dollar, a (b) 520.00, whichever is greater. In addition, at any time your Total New Balance ezoeeda your Credtt Line, you must immediately pay the excess upon our After we receive your leper. vre carrot try b col(eCt arty amount you question. or report you as delinquent. We can continue to send statements to you for the amount you queston, irtdud'xtg finance charges. and we can apply any unpaid anaunt against your credit Ifrnr.l'bu do not have to pay airy questioned amount while we era rnvestigattng, but you are still oWtgated to pay the parts of your statement that are not in question. It we rind that we made a mistake on your statement, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay fmartce charges, and ~wu will have to make up any missed payments On the questioned amount In either case, we will send you a statement of the amount you owe and -the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, li our exptartallon does not satisfy you and you write b us wtthm ten days telArtg us that you sd'U refuse to pay, the must tell anyone we report you to that you have a question about your statement And, we must tefl you die name of anyone are reported you to We must tel anyone ~ report you to that the mailer has heart settled t»tvreert us when tt flnailY ia. If awe don't follow these tutee, we can't collect the first 350 of the questoned amount, even if your ataterrwrN vvas oomot. Sf~CU1L RULE FOR CREDR. CARD PURCHASES - N yet, have a problem wlMt the cuality of property or servk:es ~ you purdtased with a cred't- clad, and you have M good isith b oorreat tfte proltMm witlt the rttertNtad, You may have the right riot ro pay Ute amount dtu an da pprroperly or services. There are two WrNtatJorts txt fhb right {a) Ybu moat Itaw rrwds tM purdtase in ytwr home state or, H trot wttftirt yyoouurr home state. wtthirt 100 miles of your current rnailUp address; end {b) The putthaae price rra>Iat have been more elan 360. Thsee St~orq do riot appy V wy own or operate the rnertftaM, or ft we mated vac fis adtlartissatwt floc Mtn DfaDVrllf tY aarvbaa. ' `dsmllnd. Wa wi: appy payt~etrMa in tits toMowYtO ntsrrter: iftat b pteviara Itrta ~ tMn 14 pewiotra oaaFF+ttdwenoas htamoee s>fwpss, gran b prwlots purcMes fkwtce 4ten a t;tiMrerR Yla IeMa. tttMt b ptavlota pelt advance betertcse, titan b adMrtos and ~ a~srerN pundtsaa belirsces. than T. rlNANCE CF1AR~ •-ldott wrt avafd the Ftrtarx» Chage on purchases by payTnp.1M flit arf>arr+t of tl» New Balattoe d Pt,aohaae each mttrtMt wiMtirt 26 days d sbrrfyMl>•rtt doBrtiO rya. getNtwfas. M1e New t>blanaa d Pltrcttases, turd Nte ai ssqusnt pureitaaes ttoen the tills they are posted to yexa aot:aatt. vNi bs attbject 1o Ftrtanp Cftarge. Cant advanpe are always subject b Finance Charge from the date they are parted to yota aooourtt Pttschana: VYe eaksrlata ytwr firtartoe charge by rtttHapytrtp 1hs reps adjusted daily balance (see eocpbnadort below), e+dudMtp new purchasesr, br~d+s bilMrtp type by ilia rrtonthly penorNc purt3teaas rate and carrseportdinp ANIMAL PERGENTAGE RAPE as aiiaciosed on the Addendum. Cash Advaneee: We calculate your finance charge on cash advar-cee by mutdpying the average adjusted daily balance (see exptanedon below) tar atsh advances during the blllrtp ~ by the monthly periodic advance rate and correapon~np ANNUAL PERCENTAGE RATE as dtsdoesd on the Addendum. Etalan~e Canputagort Method Ausrage DeBy 8alartcs tbi Ptm:ftatat - The Average Ihiy Balance for Purcttaae TrartaaesNorta b atMotdaead by addirtp Mw Dally Balsrtoes (Ptadtsas Tlartaett.'fiort) br sadt day to the ltiirtp cyols, std Mien tilvfdirtg by tits ratrnber at days in the bllRrtp s0 ~ Ws o~ublsr~idrtp b.tenoe~(M ar~+ot~a>K ya~i ovr~ of Than, in ilia asquatps in which amaris are pawl eo your acoounR trre add ate arrtoltMS d:ail deblli acrd trttitsot the artaraUs d al tsedfa tx paynt.rtts whlah host to ydut aoootatt halt days After apptyfttq.paytrtanb and txedlta, wa subtract die amarnt of arty unpaid F7rtertoe t7tarpas or tMe Chergss Thant tats else aubtraa ilia anaertt of any Cash Advartoatrarteadaee Matt pasad b your aoca,rtt an that day a in altty prevbw day in dw dllNtp cytis.Thb given w the Daly Bd.nce for purdtaaea. Auerraget Da1Y Balance trr Cash Adttrtcw -Cash Ad+raro. Tituteacaorts truhich are posted to ytxrr aooarnt aro rat irreludad in Mrs Awaraga D~ayI BaMraa giarlalbn for pttratsest, and are ihatabre not attbjsot to ate monMiy perbdc rata for ptecttasrs. The Arrarapa Dally Babrtp b piot/s0ed saparatey br Cash Aduartcea and is abjsr4 to Mw Caadrt Advance eAorNNy Perfodlc Rata.Tfa• /lvaraps OaMy Balartos for CaehTtarwscdorx is cdatpArd by adtirtg Vr DaN Balartoes (Cash lfrarteer.~iort) for rich dsy h the blimp cyGs, and tltett wivrtp by Mtn rarrrtber d days h tlta btlirtp cyd.. To atbttlats the Daly eelerroe Torcash aanlt day, rte tafra the folOwirtp siege: We taus Mtn oubbrtdirtg beisrtoa (eN amotr!MS you owe) at ilia alai of Mtn day. Tarn. kt tits asrrNrertos to whic3t arrtourtts are posted to yotu account, ws add the amamts d al petits and aubtrsd the amotatts at a1 aedi-e a paymerb tNttidt poet >o your aotatatt the day, After epplyirg paymertta and credMs, Mrs subtract Vie anarxtt of any trtpaid ffr>~e Chrugss or late Charges Then vve also sttbtrad the amount d any Purchase Tlar»acMorte drat posted tD your aooourtt on plat day or in arty prsvioua day to ate biMirtp cycle. This gives us the oaey Bdertce for Cash AdvanoeTtaraac6orts NtNe: Cash Advarxaes are aiwaya subject to flrtartere t:harpes and from tln day tftay a» posted to Your account Payments are applfsd kt tlw toaovdrg manner: first to prevbus late tees, then to previous cash advances finance charges, then to previous purchase finance charges, flan to current late Mee, then to prevbua cash ndvartax balances, then to previous purt~tase balances in the Dreier that they were posted to your accourri, then to current cash advance balances, and than to current puroftsae balanced. credits are applied first to the particular type of debt which is being credited, if any, and then to the balance of your account. Visa' Credit Ca~d.Aareement and Truth in lending Olsc/osure (continued) Note also that k the total of the paymenq and credits which are posted to your account by the Payment Due Date shown on a statement is equal to or exceeds the New Balance shown on that statement, we will not apply the Monthly Perlodb Rate to your Account on your next statement. 8. DEFAULT -You void be In default if you /ail to make any Minimum Payment wkhkt 25 days after your mouthy statement cbsing date.You authorize us to transfer funds sutaeitrtt to make the minimum payment due if your Visa loan is in detauk. You agree that vre may ternporardy suspend your ATM turd access 'rf your Visa payment is des for a period etkasdirtg 30 days. lrbu wig also be in defauk H your abilFty to ropey us It materlady reduced by a charge fn your empbyrnent, an irtorease in your obdgatbtts, benicnrptcy orinedvertcy peosettingt tnvduthg You, Your death a Your faikrre to abide by utie Agreement. or fi the value of our security Interest matenaty declktes. IAN have the ri~tt to demand imntedate Payment of your foil aocotxrt bdance K you dafauk, subject to our givkg you any notice required by law. To the extent law, you wpl abo be requl-ed to pay our coilskdion expenses, U~chsairgoourt roses and reaaonabie attorney fees. ~t TMpra»du~ co bTeo f wwea. era yo~ present me rei~ard toga pevdtfipatlrtp Vita plan msrdtant, a artotlter finertciai institution, and atgn the sales or Dash atfvsrla t1rMt which wid be imprinted with Your card. The other is to camplere the. tntracllort by usk+g yaw Petaonal Idetttidcatbn Number (PIN} to cortjuurtkttion witlt ttN txrd 1r1 art AlAornaltd Teller Madtine tx OMter type of electronic tetrninal that provides aerate to the Vltt syaien+.ltw agree that you w(d not use your card for any ti'antataort that k idsgal under applicable federal. state, ~ bat law. The montftty afabsmertt will kiert~y iftt mtrohertt, electrw+b ttmtina- a firtartcfai insNkdiort at whkh hettssctlarta war, rrisde, but asis+ soh advarta, dedit a ottisr sdps cannot be telureled wdh Vie staarrrant Wu trill retch a copy of such apps turrrttttsd at the tirM of the trar-saaliort in order m verity the nwrttWy statement. The Credit Unbn may make s rptortdrle charge for photot~pies of aApt You may rsgtaest. 10. OArBNORr1FT OPTpft - It you elect b overdnll to your PSEGJ Vita Cndtt Cant, Qtat eitatlort b ape td fo tF+e extsllrtp cret! tindt and Ute etgreerrtsrt rT rsproaertffi and Vrs otarartt but d Rn ttrrte d tlw owrdrMt Ybu abo tstdertitand that an overdnA vrid be oontidteed ttte saute as a casft advance an ytwr PSECU Visa Credit Cart! and that the taattltrtt Amutl Pwarrtspe t9aw for resit advanaa vudl appy. 1 t. REI'gfil~ Afro itD.MiTY~TS - Metttk-srtN and notate who honor the t~lyd may gM aedR fa nsNxrie and at~wtrrrenb, aril they wpl do so by estxfk+g us a credit what you offs tatti wawa w ~aLtontalfa Y post theE c-edlt bapleartto youeX r~8td 9htret wllhkt 7.r+ der. N the halarwe b one tlodar or more, upon Your wrktert request. vve veld ielttrtd Ute crerlt balartoa to you. 12..PDRlt~'~I TAiNMSAC'>1f0lIQ - Th etroftsltge nde Helween the traneacpori rxarsrgr endthr h~rq atxMw~o)r fated for proa~asirtg rte~rtsfllorsalltartt~llorta It a rats atNalad bylrtsd thlrnths tanpedrseseavrlWrle bvrifoietale cutnanotrtr-erfosls for Cie owtttal povsntitp 4ale, taftich res. matt wry ttnm tF-e rata vita deaf( tstteki~s, or a gtlisFnattMft.teMw~eMO r~ls h etltdtcr lfte appdabit ctrttrd ptot»tsYtg fists. h eadt irtelsttoP,; as -fr1'hatttlnased based an ttft !FA Ae tnpaesd by VIM,Th1aM. tiiAtktf- 196 d tits idAetttaflon arrtairtt, wM be atreesed on ell tranataYotrs wltiat+t ~e nlandript orttrtlry ditere tram tfte country of 1M twrd issuer. Al'fA t,~!1R0 C~HOlDER ANENT' -The Uetdsrsl~rrod (You a Your}, in otxreidarsport of THE PENNSYLViWIA STATE EMPLCKEES CREDIT UNION (we, our and us) lesuirg to you an ATM CARD, F~rebY ague to be IsgapY bound by the fotlorring fPrms ant oorditlorn. Ybu agree that the use of your ATM card(s) Cot11d~1tOts aoapfance of the terms and conditions of this Agreement. You uttdershnd that ATM is s exadk-nlamd service surf you authorize PSECU w obtain a cxetat sport on arty usere of this aooount 1, ACCOUNT8 AID USES OF ATiM CARD -You have the account(s) {including ChsckMg and Regular Shona). which we set forth on your appdcatbn brm wdh this AgreemsnL 11bu hereby regttsa that rva issue to you one a more ATM CARD(a) to be treed b c~rlrkectlon wkh ouch aocotam as described in this Agresmam. 1Rttt tstderatand you may ute ttte ATM CARD at a STAR SYST'EM9® ATM to (t} wphdnsv tilt 1r'an4 tlw thbamltce tn' yar trCOOUrtt(a) a (5) m~ab ~ rl~rtas tram yptn' credt aoooerN(s} In tfw amourds you regk>asLtibu maY abo use atrtontbted fader trlee thrrwghota the UnWtd States and in trerta4t tOteiAn txxattrita trltidt befit Ole PLUS SY97EM09 trams and bgD (1) to make wRhdtawds ham, (2} effect tearttfsrs b or from. (~ salve irdornratiort regardMg the Oaienae h your Cxteekktg a Rtgufar tttaree. B you haw a Pereortetl Ssrvla Loan tipproved and in place, you retry alto mabe a cmh advance from yaw PSL. vtott further urtdentand you may use the ATM GARO to purchase goods and services (•Pky~e•} at any nW estabpsfvnem ('hAerctanC) where ATM CARDS are aaypled by such kAercturtt a you use the ATM CARD to make a Purchase to obtain ash. b perrttM6td by tits ttAerdwt6 you shad be regtreapng us to withdraw tur-ds in the amount of such Purcdtase (ktdudtn0 any cash reoei+red from the Men:hant) from Your Checking Shares and dteotkrg or ordering us to pay such funds to the Merryant. Vbu request tftat we veld provide th you such other services or access to other ATM system or rtelworkt trsinp the ATM CARO wrdch we may later make available and wttk;h Ma advice you are offend in connection with your account(s) sat brth on yaw applicatlon form. Vbu also ktrtderstard that from time to Ume you may request in writktg Utat vre provide aoass to addidonal accounts of yours through the ATM CARP wa have issued to you. You ague chat the uses of the ATM CARD described transaction, and have tried in good faith to correct the problem with the merchant or the charges are the resuk of unauthorized a traudulent use, or your purchase cost more than S50 and was made from a plan merchant in your state within tl>D miles of your home, contact PSECU. You are required to notify PSECU in writing witt+in 60 days folbwing the date on which we sent your statement wherein the error or problem first appeared regarding any discrepancy or unauthorized transaction on your account. Telephoning PSECU does not preserve your dispute rigMa. You may be required to provide us with documentation b support your dispute claims. In additbrt, you may be required to complete a standard dispute form outltning the details ~ yaw disputes In cases of fraudulent card use, PSECU will also require a notarized aMidavk. In some eases we may ask you to nootify ttw beat suthorides. If we do not receive the proper requested documentation in t)ts titres specltutd you may be held respontibie for the transactbn(s) in question. PSECU must adhere to strict dispute tknsframes set torth by Visa, 14. BECURItY MiTEREST--To scrota your atxxxart, you grant us a purchase matey seasky krtsrest under tlts llr9form Commercld Code to any goods you purtitasa ttuatgh the aaount k you deiarrk, we wH have the rlpM m recover arty of tltese firms which we have not been paid for through our appAcatfon of your psyrnerds h the meruter desorbed kt the Monthly Payrr>ard secbrt. twh raglect to this sooount Droll we wi not assert any stattrbry rtgfrt we rtwy have N you era h def~,k to pnwett wNttdrawal of your unpiedged txedk union shares (Deposits) babes des unpaid balance of your atxxxrnt However, d you glue a haw given us a spsd6c pledge of Your credk union shares (Deposits) by signing fhe Pledge of Shares or adtervrite, a any sair> for ap your debts, your aotxxatt will be sassed by your pledged by the property desaibsd in those other ascurpy agreemergs, except for your home. 15. EFFECT OF AGREEIYlENT -1Ttis A,grsernent is the oontrad which tpplht to cep traraectlons on your eooount even though the sales. cash advance, credk or otfter apps you slgrt or testes may contain dNferertt tames. VYe may amend tM Agnenwrtt from titrrs b time b!f serrdirtg You the silvans wrfaeut unties required by frlvw Vbur use of the card thsreafler wiN ln~te your agnarnartt to the tnlsrt~rrenta To the etttsnt the kw permits, and we 4kdbat• in our notks, arnsrtdrrtents wig apply to your exidirig acoourtt 6edenoe ere wail ss to future traneacoNor>a. 16. LATE ts/t,YMENT CHARLIE - H yaw I~ngrMtrn P+seyrrrertt k rest realvad by the first day of the morxh idleswirrg your due date, you wig be subject to a S2o charoe. 17. Rt1SH FEES -ltw may incur atidlBortal charyes for rush procesairtg and rush dedwry d cards and/or PIN mailer. 18. WER LlIrKT FEE- A S20 be wfi be applsd foreech mon~ty ttteAemertt closingdela cn wtidt ifr ottlsbrtdirlg balerne axoeecb lift atdgned otsdt knd by rrton then SfOO. t9. DRAFT COPIL$ -You may irttxx en addifiond drargs far transaction summsryhsafs dealt documentation. 20. COPY RECEIVED -You adalowlstige retoeipt of a copy of this Agreement. a~. iLLiiiI~iAL TRrursACTlons INiOtNBt11ED -You ague that you wW not use yowc~dfor ar+ytrertsassiort that b Legal under appdca6le trrdtrd, stets, a tonal taw. x2. t~ U9E - Irute~lve Visa arxroeutb that haw no purcFtaea a cash acttvuy may be closedwiUrota notloe fin you otter t8 morphs of no sativlhr. 28. !+lEURAL liET1Mt3RK -~ PSECU ores record network syatlrrna ~ pnrilct and prevent rfrta4thorized: Vtuas~dans: Then, may bt oaadont when a transaction b dseanadbtceree kta iti#aitlMe d.ttosp~#it-.itatrdulmt aplivly., . in tHt /-grssmeett shad be subjsd to tits toles and rsgutatlona of each aaxwnt wttbh is aooettssd by such Card. 2 USE OF PERSONAL IDENTiFlCATWN NUMBER ('PSI') t1YITH ATM CARD You understand that a STAR SYSTEMS or a PLUS SYSTEM ATM Is an automated teller. tt can and will peAorm marry of the same tasks ~ a human leper. You acknowledge that the Personal Identification Number or PIN wtrlch you use with tfte ATM CARD Is your signature, identifies the bearer of the Cant to the STAR SYSTEMS ATM, PLU9 SYSTEM ATM, or other network ATM and autttertticates and vafuistss the directions given just as your acted signature and other proof identity you and autlwntkxrte and validate your dirsictlorts to a human leper. Ybkr also undeBtsttd that 8 itAert~tarrt wtdch acaspts the ATM CARD for a Putchsae transadton may haw an electronic lerrrtirtai (Merchant operated or Self-Service) which requires the ors of your PtN and when your PIN le used at a Merchants tsrmirud, k wE atrthetrtfcate and vaddate tlts directons given just ere your ackml sigrtsarre veld atttlterttkste and validate yaw directbns given to us. You adotowledge that yaw PIN is an ktenttficatian code that ro psrsonai and confiderttisl and that the use of the PIN uWth the ATM GAAO Ice a securky devke kx yaw accarnt(s). The-efon, YOU AGREE TL) TAKE ALL REASONABLE PRECAUTIONS THAT NO pNE 0.SE LEARNS YDUR PIN. 3. LiABII.fTY FOR UNAUTHORIZEDTRANSACTIONS -You agree to contact us atone if you bedeve the ATM CARD(s) iswsd to you or PIN has been bet or stolen or money is missing from your atxwunt(s). You also agree that k your momhly statement shows transactions which you cld not make, and you do not contact us witltin ~ days after the statement was mailed to you, you may not get any rrwney lost after that tune. YOU AGREE THAT IF YOU GIVE YOUR ATM CARD(s) and PIN TO SOMEONE ELSE TO USE YOU ARE AUTHORIZING THEM TO ACT ON YOUR BEHALF AND YOU WiLL BE RESPONSIBLE FOR ANY USE OF THE CARD(s) BY THEM.You could lose all your money in the account(s) if yet take no action to notuy PSECU of the loss of your ATM CARD or PIN. Safeguard your Personal Identification Number (PIN). Do not teU or disclose your PIN t0 any other person. Oo not write your PIN on your ATM CARD. Do trot keep a written record of your PIN near utter ATM CARD. Oo not choose a PIN that is easily identifiable. Fl~ctronic Funds 7Fanete,~ ATiif Acreement and Regulatlort "E" Disclosure (continued) A new card may be ordered for you at that dine and s'had' wilt be placed on your ad card. After such time, if you find your ad card, destroy the old card by cutting it in half. N you attempt to use your old card, it wilt not work. 4. CHARQES -You agree to pay a 50 cent charge for each deposft or withdrawal exceeding 15 a month. You agree to pay the 50 cent penalty charge on any cash dtsbursemer-t transaction (loan advance or share withdravvaq that is less than 520. You agree to pay a 25 cent charge on each balance inquiry. You may incur a charge for artyad)ustmeM that needs to be made to your account resuttkrg from en error you made while making a dspoeft at an Automated Tstier machine (ATM). You agree to pay the ~a or traumactiort lava which ors charged by us roc these services or for services which may later be offered as such lees or charges may be imposed a charged from time to time, 5. DEPOSITS -You agree that when you make a deposit at a STAR SYSTEMS ATM that we have the right m verity pre depoeA bsbre are make iha money avapabb b you. ff you depver pelt, checks or other Rama to a STAR SYSTEMS ATM, you txderratand and adatawMdge that fife hinds from your deposit may not be available for kmtedate rMtltdrawal acrd that tl» aa,Aa~ty of your dsposA shag depend on our rules and regulatbna regerdirtg the partbular account fn which you are making a deposit, the ilettta prat you acs dspoeMktg and ttfietlter the deposit is matte at a STAR SYSTEMS ATM that ie owned by us or another tirtartdel inetihtdort. You also urtdeteband and adutowledpe that not er STAR SYSTEMS ATMS may axept dapoalte and sortts STAR SYSTEM8 ATMS may Ikttit the amount of funds wttkdt may be deposAed and that are may cwt corttrot titesa units. 0. LIABILITY - N ttte ATM CARD b issued for a Joint account, you agree to be jointly and sewrafir Aahte tinder the berms of ptlat Agreentertt and the agreerttent for each aoxtxtt You ague that ff you make depoarib or peymertts to your atxattrrt(s) wfth ibertta other ptatt ash (dtedts, drags or opter Items) and vw make funds t-yitiAalAla l0 you itett- woh depoeils prior m plait aollacdon, you agree that wa ~ deduct 1w atmounts at Hach tt,rtde trap your aocotstt(a) which are riot ooieded a, ff the ketels hn your sootla) ors irauAldant at sash tittle, you wiA prornptty PaY to to ttrtq smaartt of atxh vrlioh alt not ooMecfed. 7. AIAET OF7'Mp Ar3R1(t'-hbu aprre plat from tYt» to lfrrte ws may atttertd br' dtetrpe' tlae terms of ttds ag-earttrstt. ittrcludhtg amtarndnto-tta or duurrgas to add' funptar ~i CARD earvlcss ~ to amarMd or dtttrgs the titarges fnr theca sarMoea. Wa mry tlo so. by n you it wrltlrrg of such amsndntertte or ~ datgti attap caytppha your aooepoarttk- of~and~ageerrtent~w such '. arrrtartdrrtent or c~hertpe. 8. OM1MNERSHtP -You agree that tits Al'M CARD b our property and you will d us upon our request. l~bu agree that the ATM CARD ES non- ; 8. tNSCtOSURE3 -Ybu hereby ~ of the disdosure statement ~ UNorming you of your rights under the Electronic Funds Trenater Act and a copy of ~ this Agreement. REGUtAT10N "E" DISCLOSURE 1. ELECTRONIC CHECK Ct7l~fYERSIONIELECTRONiC RETURNED CHECK FEES - ff yt>~; wry roc sorrtsthing wtlh a chedt tx share dntft, you may authorize M b be conwrMd tb an elsdrortic rand trsrtetg `tbtt meY ateo authotfae rttardtertte to etectrortlaAy tfabM your aotxtunt roc retained oF»dt feet. Ytxt ere ttoraidered >n Ftaxre atRttoAzad press ebdrortb ittrds trattsisrs ff you tt~ trauvactlort after bsir+o told (oraty a by a no6os posted a sent M you) that the bartsfer may be processed slaahortioaAy or lr you sign a wriltat aufhortzatbn, , 2. StIiMlfAiiY !!F CQi~16tAYER LIABtUTY - • ,i-TM, ACH and $BT - Teti us aft one N you believe your card has been load or stabs. TeMpttortirtg k pre bead way b leap your poselbla bsaea doom. Yet could toss s0 pre money b your atacourtt plus your tttatdnaun overdraR Ana d txedrt. N you bsAeve your card has peen bet of a:btert, end gat tsA us wAhin two busirte:s days deer you lean of the loss or ptslt. you can toes tto more plan S50 N someone used You and a You pernusebn. ff you do cwt tall us wNhin two business days after you bam of the bas or theft of your caul, and we can prove we could have s someone from using your card vvpltaA your penmisafort If you had told us, you could lose as much as 5500. Also, it your statement shows transfers that you did not make, tell us at ones. It you do not tap us within 80 days after the stetattwttl was mailed io you, you may not gat bade any money you lost after the ti0 days N we can prow that we could have stopped someone from taking the money if you had told us In time. it a good teaaxrrt such as a torg trip or 8 hoapAal stay leapt you from teAing us, we wAi extend pre lime perbde. 3. TELEPHONE NUbtBER AND ADDRESS TO NOTIFY OF UNAUTHORIZED TRANSFERS - • ATM -Contact PSECU at (800) 237-7328 EM 3808 (nationwide) or (717) 234.8484 (rn Hantsbtrrg). After hour, hollow the menu options on PSECU's voice maA system to report a lost or ataen card. For Visa CredY or Debit Cards, follow the dlrsctions rbr host Card l~Ufication under the 19sa Credit Card Agreement and Tnrth-Jn•Lending Disclosures settler or this document. • ACH and SST -Contact PSECU at (800) 237-7328 (nationwide) or (717) 234-8484 (in Harrisburg). Or write to us at Pennsylvania State Employees Credit Union P.O. Box 67013 Harrisburg, PA 1710&7013 PSECU Business Hours: 8:00 a.m. - 5:00 p.m. M - F TDD (800) 472-1967 Nationwide (717) 777-21001n Harrisburg 4. FINANCIAL INSTRUTION'S BUSINESS DAYS - • ATM, ACH and SST - PSECU's Business Days are Monday through Friday, Holidays not irrduded. 5. TYPES OF ELECTRONIC TRANSFERS A CONSUMER MAY MAKE - • ATM -Balance irpuirfes on checking, savings and PSL; wNhdnrwale from cheddnglsavlrgs; cash advance from PSL; datposlb to dtsddrtyasvirgs; purchase goods and services at any a~rtg retaA ee<abAsttrrtent. • ACH - Preaupwrized debits and t b Cl-eddtrg and savings. • SST - Ba1Bt1Ce inquiries and transaoAoa ttatorles on aN share. certNicate and ben aoaouratK iraradars from any share M another s-tera ar ban aooourtt lrorrt your PSL to any share or loam aotwtxtt; vrghdrrtands from any arttaro except lRA shares a cerpAates. 6. ANY t„HARt;iES FOR ELECTRONIC FUNDS TRAN8F81S OR FOR THE RIGHT TO MAKE TRANSFERS - • ATM -Filly cattle br each dbbrusemsM (ash advance or wlptdrataal} Mae than 520; t1Ry certM br each traraaoport over 16 per month; tt5 arm fix each balar>ce ktqutry; end there may be an addlponai ottarge for any that needs ro be made to tits account of any member wtw nwka an error while dspoeNkg at an Automated Teller rttadtkte (ATM). • ACti - i30 aerobe tpttrge br btsufltdetnt furls for eadt ekctrortic trattsler. • t38'f -Hotta 7. $lNl1~AARY OF tAF~tlYER'B RIGHT TO RECA9VE OOfX>BAENTi4TION OF EFTS +, • ATIA - lbu aa! rarrtlMed tD rtloeivu S PMnMd +~ aft the- fMn4 W ~ tr>fe>aa~dlort. trbu. wlq raoNw a rrtonNdr elalargarrl ahawYtp fl» ataeae cl!'y0ur aexptnt ~ UMvso6oM made tltrrktq Yra instill, and ady wtatalpaa a t*Mrges PSECU may MttpDae dutirp pttr tltortpt. • Ate! tMfd t3/T -Kai vdA reaM a nwn~ atatetrtar>< ahaarktD tits artatin at year aootNmt, sty trarta~opata rtaAe dttrkp tits month, an0 any psnaitla a dstropet PSr~U rrtaty hirpoes dtair~g the ntonp}. • N ytptr have arranged to haw a direct deposit made b gar account at Mast eta ovary 80 datys from ttre sane person or oartpanty gar can till ua et (800) 237-7328 to And out adtetiter or not the dspoarlt hoe been made. 8. STOP PAYMENT RIGHTS -PRE-AU7HORQEO TRANSFERS - • ATM and SST -Not applkxbie. • ACH -Right to Slap Payment and Procedures for dohtp ao. H you have told us b advance to make regular psyrrtente out of your aooourtl you an stop any of these payrrrsnte. Ware's how: CaA us et (800) 237.7328 (Natlortrdtb) or (7t 7} 234.8484 {Parrisburg) or write us a.L Psttray/vanfa t3tate Employvss Credit Urtion, P.O. Box 87013, Hattrbbtag, PA 17106-7013, in urns for its m recaty~ your tttgtteat three btsairtass days or rtwrs trsfors the paayrttsrtf b octtedttNd fo bs rrrade. N you aA, wa may sMo 1'egt+lr'e y~ M W+l y~- let tartttlrg and get 8 m ua tMptkt 14 days a1Mr yell aA: • i~terean you gakrp wq taN ~ 1 'days batlore wharf It tralA ba roads artd flow malt it v~dM be. l~bu Wray tdto~oe~s . to graft this notice. only ar'Iten Nr payment wand dYNr by mda sleet a certain arrxxatt from 1tu previous payment, or when the anwtau watld 6p oubeids arredrt IMidM lfgtt you trot. • fbWNiy Ib/ Falltute to S1top o/ Prwsltlaorrzed TFMmAvst it you order ue !o atop one d pteae paymatrts three bawirtaars days a rrwre before the trartalet b scltedrlsd, and rra do cwt do ao, are arAl tae Iabia br yourioease or damages, unless ws request and do not recehre wrlBart canltrmapon of an oral stop wayntant wiptkt 14 days and life trarwiar takse place utter 14 days, or you tieA to give us proper irtatrtrcAorte than woWd sttsda ue t0 plats the stop on the transfer. 8. SUMMARY QF THE FINANCtAI ffdSTtT'U170N'8 FAILURE TO MAKE OR STOP CERTAIN TRANSFERS - ATM - N PSECU lens to rartplabe a transacton on tittle or in ttte cared amourrt, when ptopery irt~ed by you, PSECU ww ire liable fOt datrrtagae caused by our taAure unless: (1) Store are insulAderM ftrnds in your sooourtt >b oontpbta life transrar, (2) the funds at your aocxturx are urtooAsded; (9) the turtle are arubject to legd Process; (4) the frartsaxaiert you regtre~et would eatceed the rands in your accotxtt plus any anraAatble overdraR wotadlort; (5) pre STAR Systems, PLUS system has insuffloisrrt cash ro o~rtpbte the transaction; (~ your card has been reported ktet or stolen artd you are using the reported tardy (7) PSECU has reason to believe that the treruadl0rt requested b unautlWrFied; (B) tft9 failure is due to an sgt~pmsrtt brealadottnt that you brow about when you started the transaction at the STAR Systems, PLUS System; (9) the faiure was caused by en act of God. fire, or other catastrophe, or by any other case beyond control; (t0) it you attempt to complete a trertaacdon plat, at a STAR Systems, PLUS System, or merchant terminal that ~ not a Electronk Funds Tiy~L ATkf Agreement and Regit.sl! tj41L~=~1s~L4;;pLQ (continued) permissible transaction listed abare; or, (11) the transaction would exceed the seauity I'urtitations on the use of your ATM CARD. ACH and SST - If PSECU tails to complete a transaction on time or in the correct amount, when properly instructed by you, PSECU will be liable for damages ceased by our failure unless: (1) there are insuMiaent funds in your account to complete the transfer, (2) the funds In your account are urkollscted: (3) the fords aro sub}ecx to legal process; (4) the transaction you rettusst would exceed the funds in your account plus any ava8able overdraft credit: (5) PSECU has reason to believe that the tranaction requested is unauttwrizad; {6) the fafturo wee caused by an act of God, fire, or other atastrophe, a by another cause tx:?yond cwttrol. In any eases, PSECU shall. be tlabis any to aertued proven and riot rxxuequential damages i! the fatluro to melee the transaotiort resulted from a bona ikte error desphe PSECU's procedures te avoW such srrore. 10. DISCI.013URE TO THIRD PARTIEg - • ATM, Af'H and SST -PSECU wig disclose tnbrrrpition about you account to titled partles: (1} when R is rrecaasary to roompfets transactions; (2) to vetiy the sxistertce end etertdktg of your aexxxuu wMh PSECU upon request e>< third pony, such as a credit bureau; (3} to txtmply with goverrtritent agency a court orders; (4} to ettcardsrtce wNh your vvrkten psrmissiort; (5) to exxttpy wkh govsrrunsrtt or edritirwtratrve agency stu-tnwnses, subpoenas, a court orders: (8} on receipt e>f exUat Iran a Federal Agency ex departrnarn that a request for kdorrnatfon le in emrnptiutce with the Right to Financial PMaay AeX e>f 1978; Regulation P, Prhrecy of Consumer Fnancial Information; and (17 vrtten R is rtacsesary tD take legal action to recover' shares. 11.3TAR t81f8'rEMs:13ERVIC1iES- ATM Only -Ybu rtrey use your ATM CARD with your Personal Identification Number (PIN}. at STAR SYSTEMS located in Delaware, Maryland, New aotb nsylvbyartia~toAexxduct~ of file foNovrYtg transactlona for the a) Oeterrnine the aexxxua balsrtcs(s} of your C;hedek-g your Regular Sltarea, end yexu Peraatal Service Loan (PSL}. b) Wttldraw cash fi+orrt your Cheeddrtg and your Regular Steers. c) tvlaks a cash advartca from your Persatel Service Loan (PSL). d) Dspoek dtseks, or etratts {cobra are not eocaptabis} for trm~artiasiort to PSECU for deposit in your Checkkq and your Regular 3tteree. NOTE: Thera are Ilmdad Iocetioris In Maryland whero eisposits may be made. We wish to tnfotm you that some ATMs kxxeted in those areas may ext(y provide aexxes m ygtN Gtsekktp, your Regt4ar Sttarea, and your Persanai Service Lan. Not ~ Al'Fils tray at)tlept eieposks liters may also be 6mita on the amount of funds watch you may eiaposM in exirtakt ATMs. 12. PLUS 8YSTLM!' t3ERVICES - • A1ti Ohiy -You ritay t+ea your ATM CARD wkh your PsraorlM Iderttlflation Ntertttsr (P~ at any PLUS SYSTEM autontded tenter mtcttina {PLUS SY87EM ATM) ktoated tivoupltoed the lktiled Stara, Puerto Rico. Canads, Carat t3ritakt and .fstp~an trr exxtdttat any elf the bAowfig traneaodons on the aoootMib assessed f>yt yexu ATM CARD. e} DNermine Nte aexxxrrtt batarx:e(s) d your Chaddrtg, your Regular Situea, artd your PsreorteY 8ertr;os Lan (PSI.). b) wNdraw relate horo yeuu dteddrtp and yrx,r Regular Shares. , e} Make a aeish ~advartae from your Persortai Servka Loan {PSL). NOTE: Depoai4s aro Hat avatiable through PLUS SYSTEM ATMs. These aro the STAR SYSTEMS ssrvkea currently available through the PLUS SYSTEM network Other services may be oiNred M the future. 13. QTHER ATM NETWORK ACCESS - • ATM Only -From tins to time, PSECU may make arrangements with other ATM rtehvorks to grant access to ATM CARDS. PSECU shag inform you when such art8hgemerlte are made and descxibe the services that are available to you. Any charflas wtll oleo be described. 14. PURCHASE TRANSACTIONS - • ATM Ony - Ybu may use the ATM CARD to puredtase goods and services ('Pureatass') ai any retail ambtishmern ('Merchant) where ATM CARDS aro ecapiad by such Merdtarn. The amount of all such Puroltasee witl be deducted from your Checkktg. wizen you make a Purdtase using the ATM CARa you wYl be requesting PSECU ro withdraw (ands from your Checldno in the arttourtt e>! the Purchase and directing PSECU to pay these funds to such Merchant. 15. LIMITATIONS ON THE USE OF YOUR ATM CARD - • ATM Only -You may wittdraw up to 5500 per day from one or a combination d your accounts by using a ATM CARD provided the funds are available at a STAR SYSTEMS or PLUS SYSTEM ATM. In addition, you may wtthdrawlpurchase up to 5500 at point of sale locations. PSECU reserves the right to reduce this daily limit at any time. In the even) tltat your daily limit is less than $500, PSECU will advise you of the new limitation. The day for withdrawal limits starts at i2 midnight each day and ends at 12 midnight the next day. For security purposes, there are also certain daily limitations on the frequency of use of the ATM CARD. However, these limitations are not revealed for security reasons. The Pennsylvania State Employees Credit Union is not ot>aiged to maintain such limitations. You will be denied use of your ATM CARD if you exceed the daily wlthdrewaVpurchese limit, tl you do not have adequate funds available in your account, do not enter the correct Personal IdMtlflcatiort Number (PIN), or exceed the frequency of usage ifmitstittn. The receppi provided by the STAR SYSTEMS or PLUS SYSTEM ATM or 1Aen2lartl terminal want notHy you of the dertiat. There k a ~ttff on the number of such denials permitted. Attempts to exceed the limit wltl result in machine retention of our ATM CARD. The number of attempts that reauR in machine reterttiort is not revealed for security purposes. i8. ERROR RESOLUTION PROCEDURES - • ATM, ACH and 8ST - In case eN arras ex gtrestlone about your trarnactlons: Direct irtetuirlee b PSECU at {800) 237-7326 Netiartwida, TDD (800) 472- i 887 Nationwide, (717) 777-2100 in Harrisburg, or .write PSECU at: Pennsylvania Siste Employees Credtl Union, P.O. Box 87013, Haniaburg, PA tT106-7013, ss seen as you can if you think yexu atatemertt or rewipt is wrong, or M you need more irtlamation about a trartsat8lort listed on the Statement or receipt PSECU Herat hear from you no later than ti0 days otter tt sent you tlts fleet statement on which the problarr- a error appeared. Ybu must provide the bollowirtg irnormation: (s) Your name, aexxxxtt rxxriber and ATM CARD number (ff a ATM Qartsectbn), a referertcs nurttber (if Selt- Service Telephone Transaction); (b) Describe the error ex file transaction you are unsure about, and eteplain as dearly as you can wrty you beleve ft is an error or why you need the trilorrrtstlon, and; (c) The dotlar amount or the suapeded error. K yet tetl PSECl1 ota~ you must send your complaint or etusetiort in writMtg wi~frt 10 business days. PSECU wR teN you fhe resulEe of the irtvatlgatiort wtth6t i 0 buskteSS days. br STAR 8YSTEMS, PLUS SY8TEM• SELF-SERVICE TELEPHONE,: or DtAECT DEBIT/CRREDIT TRANSACTIONS, or 20 days br STAR SYSTEMS purr>hses trarteaoliorte. H are rued more time, hex+vMrer rte may take up b 4S days for STAR SYSTdri18, PLUS SYSTEM, SELF-SERVICE TELEi~l10NE, err DIRECT DEBITMREDfT' TRANSACTIONS or 90 clays for STAR SYST'Bt+tS pwdtass tramdion.. H PSECU deckles to do this, k wlu retxedit yow aacotau wdhin 70 busktafs days for the amatrtt you think le h error N it is a STAR 9YSTEM3. PLUS SYSTEM, 3ELFSERVICE TELEPHONE, a DIRECT DE131TlCREDR traruaction, or 20 bKwirtess days M h b a STAR 3YS1'ESA4S Purchase tranaction. Y[xt wfi havr Cis ua of file motley eluting the ttms H takes to oexitpiste the knnatigation. ff PSECU dos not receive your oort~tktktt or question in writing w8hdt 10 buaktasa days, PSECU may not recree8t your accotrrn. If PSECU dsetidss 1Mts le na error you wR bs advised wftltkt tfuee busktess days after the lniraripsdlort fa completed. You may gait for sepias of the dooerrrtattts PSECU. used h tits irtvestlpatiort. N PSECU cradles ytxir atx;ouM wNs kr+rsstipstktg, you moat repay those funds ti PSECU erottohtdes no error itaS:oacurnt+d. 17: AT51 t3URCH~iR6E - M you .flee art ATM that tie not operated by u0. Yet ~Y ~ e>faltpad a fee by Ste ATM ope~bor and by arty t+tdlartal, rslMonrt or coal network used in' procxealrtq the trartsuotbrt {sold you may be charged a fee for s balance inquiry awn if yrx, do riot exxrtpiste a. farad trsttslerl. The Al1N eurdtarge wS be debited from your aaat>»att M you shot to d the trnrtaection. NotlaTa f~etsttlwmere Ustnp ATM's • i3e elnt tti your aurrourteiktge. H you doubt the etafety std a psrtla4ar location, raitooee anokter ATM. h the ATM flee an entry door, dose the door prbr to htttlatirtg your transaction. Put your cash away immediately. Direct complaints concerning ATM securty to an appropriate department of the owner of the ATM. New Jersey residents: you may ca9 fhe New Jersey Department eN Banidng at (808) 292-7272. For those members who purchase a vehicle under the DRIV Program, please review the following FTC Notice: NQTICE ANY HOLDER OF THIS CONSUMER CREOIT CONTRACT IS SUBJECT TO ALL CLAI#AS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINSTTHE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. 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Thomas Kline ,Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT SANDER ALEXANDER O but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT & NOTICE , NOT FOUND as to the within named DEFENDANT SANDER ALEXANDER O 209 SOUTH 2ND STREET LEMOYNE, PA 17043 DEFENDANT IS SUPPOSED TO BE LIVING IN NEW CUMBERLAND - YORK COUNTY. Sheriff ' s Costs : So answe~ ~.,~.--y Docketing / 18.00 ~.~ ~-''~~ -~ ~-~ ~ .~--°° ' `y~~~ ~~~~ Service ~p~ 14 .4 0 -' ~ Not Found p4 jpl 5.00 R. Thomas~Kline Surcharge A~ 10.00 Sheriff of Cumberland County 47.40 VAN ECK & VAN ECK 09/25/2007 Sworn and Subscribed to before me this day of A.D. 07-5491 ~ ~LLf.r"f.!P'~ x~.+l.. ?~N:n P~v. r,w ZD I O ~9AR ~~ f f BARLEY SAYDER LLC Shawn M. Long, Esquire Court LD. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 ~~N~ry~s~~.U~,~-a Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff v. ALEXANDER O. SANDER, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW No. 07-5491 PRAECIPE TO WITHDRAW/ENTER APPEARANCE Kindly withdraw the appearance of Melissa L. Van Eck, Esquire as counsel for Pennsylvania State Employees Credit Union and enter the appearance of Shawn M. Long, Esquire as counsel for Pennsylvania State Employees Credit Union, regarding the above- captioned matter. Papers may be served at the address set forth below. BARLEY SNYD R LLC VAN ECK & VAN ECK, P.C. By: By; awn M. Long, Es ire Melissa L. Van Eck, Esquire Court I.D. 83774 Court I.D. 85869 126 East King 5tre'et Lancaster, PA 17602-2893 717.299.5201 Date: a'3 ~ 7810 Allentown Blvd., Suite B P.O. Box 6662 Harrisburg, PA 17112 717.540.5406 f l Date: ~ t 2853413-I 07-5491 ~ 'i~~ 2010 .I;~L -~ }~~ 2~ { i t'rl'•:''v''~) i BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff v. ALEXANDER O. SANDER, Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW No. 07-5491 PRAECIPE TO REINSTATE COMPLAINT TO THE PROTHONOTARY: Please reinstate the Complaint in the above-captioned action. BARLEY SNYDER LLC Sha M. iLong, Esquire orneys for Plaintiff ~ Pennsylvania State Empl Court I.D. No. 83774 126 E. King Street Lancaster, PA 17602 717.299.5201 Credit Union lu ~io.oo PAD 1~-ny C~ 45'~EI(o ~ a~~1~5~ 2951248_1 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor ~4~,~,tr ct ~uatdrrl,~~~ s;~. ~,,.~~~ Y,n,,, :t~r~ ~:??~ :"-'` >w- o~i~E ~jF THE SHERIFF Clrl. ,~ ~1^'ti'~i r~: ; ~. ',,~. Pennsylvania State Employees Credit Union Case Number vs. Alexander O. Sander 2007-5491 SHERIFF'S RETURN OF SERVICE 07/16/2010 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Alexander O. Sander, but was unable to locate him in his bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant Alexander O. Sander. Request for service at 413 3rd Street, New Cumberland, PA 17070 the defendant was not found. The New Cumberland Postmaster has confirmed Alexander O. Sander is not known at 413 3rd Street, New Cumberland, PA 17070. SHERIFF COST: $48.30 SO ANSWERS, July 16, 2010 RON R ANDERSON, SHERIFF (c) CountySuite Sheriff. Teleosoft, Inc. 07-5491 BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 c~ ~'- '~ c' ~ __; ~ \CJ .- ~a s s" Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff v. ALEXANDER O. SANDER, Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW No. 07-5491 PRAECIPE TO REINSTATE COMPLAINT TO THE PROTHONOTARY: Please reinstate the Complaint in the above-captioned action. BARLEY SNYDER LLC Sha .Long, Esqui e A rneys for Plainti Pennsylvania State E ployees Credit Union Court I.D. No. 83774 126 E. King Street Lancaster, PA 17602 717.299.5201 l ~ 1 ~-~ 4a~~~ R~ a y ~sya 295]248_1 07-5491 FILED-OFFICE OF THE PROTHONOTARY 2010 DEC -3 PH 3*. 53 CUMBERLAND COUNTY PENNSYLVANIA BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 Attorneys for Plaintiff (717) 299-5201 Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. ALEXANDER O. SANDER, Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 07-5491 MOTION OF PENNSYLVANIA STATE EMPLOYEES CREDIT UNION FOR SERVICE PURSUANT TO SPECIAL ORDER OF COURT PA.R.C.P. 430(a) AND NOW, comes the Plaintiff, Pennsylvania State Employees Credit Union, by and through its attorneys, Barley Snyder LLC, Esquires and moves your Honorable Court, pursuant to Pa. R.C.P. 430(a), for a special order directing service of process, default notice, and writ of execution notices, if necessary, upon Defendant by publication in accordance with Pa. R.C.P. 430, as follows: 1. On September 17, 2007, the Plaintiff filed its Complaint against the Defendant. A true and correct copy of the Complaint is attached hereto as Exhibit "A" and incorporated herein by reference. 2. On or about September 25, 2007, The Sheriff of Cumberland County attempted service at 209 South 2nd Street, Lemoyne, Pennsylvania 17043 and returned the Return of 3062369-1 07-5491 Service to Plaintiff indicating "Defendant is supposed to be living in New Cumberland- York County." A true and correct copy of the Return of Service is attached hereto, made a part hereof and marked Exhibit "B". 3. On or about September 28, 2007, the Plaintiff's counsel prepared and mailed a Request for Change of Address to the Lemoyne Postmaster. The response to the Request for Change of Address indicates "mail is delivered as addressed". A true and correct copy of the response to the Request for Change of Address is attached hereto, made a part hereof and marked Exhibit "C". 4. On July 1, 2010, Plaintiff performed an Accurint search on www.Accurint.com. The address listed on the Accurint search is 413 3rd Street, New Cumberland, Pennsylvania 17070. A true and correct copy of the Accurint Search is attached hereto, made a part hereof and marked Exhibit "D". 5. On or before July 10, 2010, the Plaintiff filed its Reinstated Complaint against the Defendant. 6. On or about July 16, 2010, the Sheriff of Cumberland County attempted service at 413 3rd Street, New Cumberland, Pennsylvania 17070 and returned the Return of Service to Plaintiff indicating "not found- the New Cumberland Postmaster has confirmed Alexander O. Sander is not known at 413 3rd Street, New Cumberland, Pennsylvania 17070." A true and correct copy of the Return of Service is attached hereto, made a part hereof and marked Exhibit "E99. 7. On or about August 1, 2010, the Accurint search from July 1, 2010 was reviewed and a possible address of 623 N. 2nd Street, Lemoyne, Pennsylvania 17043 was found. 3062369-1 07-5491 8. On August 5, 2010, the Plaintiff filed its Reinstated Complaint against the Defendant. A true and correct copy of the Complaint is attached hereto as Exhibit "F" and incorporated herein by reference. 9. On or about August 16, 2010, the Sheriff of Cumberland County attempted service at 623 N. 2nd Street, Lemoyne, Pennsylvania 17043 and returned the Return of Service to Plaintiff indicating "not found address is vacant and the Lemoyne Postmaster has been unable to give a good forwarding address for Alexander O. Sander." A true and correct copy of the Return of Service is attached hereto, made a part hereof and marked Exhibit "G". 10. Plaintiff believes and therefore avers that the reasonable method, under the circumstances, is to serve all pleadings, including service of process, default notice, writ of execution and notices of sale upon the Defendant, if necessary, by publication. 11 The Plaintiff will suffer irreparable harm and injury if the Plaintiff is not allowed to effect alternate service of the process, default notice, writ of execution and notices of sale, if necessary, upon the Defendants, under Pa.R.C.P. 430, by publication, under Pa.R.C.P.430. 3062369-1 07-5491 WHEREFORE, the Plaintiff, Pennsylvania State Employees Credit Union, prays your Honorable Court to enter an Order authorizing service of process, default notice, writ of execution and notices of sale, if necessary, in the within matter upon the Defendant, Alexander 0. Sander, by publication in accordance with Pa. R.C.P. 430(b)(1). Date: l?- 124 0 By: BARLEY SNYDER LLC Shawn M. Long, Esg1 Attorneys for Plainti Pennsylvania State 1 Court I.D. No. 83 4 126 East King S eet Lancaster, PA 1 602. 717-299-5201 oyees Credit Union 2893 3062369-1 EXHIBIT "A" U IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff NO. Dq -5441 CiVt l Tem VS. ALEXANDER O. SANDER 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. IF YOU CAN NOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Assoication 32 South Bedford Street Carlisle, PA 17013 1-800-990-9108 (717)249-3166 - ?' ' - 1 Cl) -J -.J rn Document #: 180457.1 f EN LA CORTE DE ALEGATOS COM UN DEL CONDADO DE CUMBERLAND, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES NO. CREDIT UNION, Plaintiff VS. ALEXANDER O. SANDER Defendant CIVIL ACTION -LAW AV I S O PARA DEFENDER Conforme a PA Nfun. 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 tomar acci6n dentro veinte (20) dias despu6s que esta Demands y Aviso es servido, con entrando por escrito una aparencia 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 falla de hacerlo el caso puede proceder sin usted y un jazgamiento puede ser entrado contra usted por la Corte sin mss aviso por cualquier dinero reclamado en la Demanda o por cualquier otro reclamo o alivio solicitado por Demandante. Ustedpuede perder dinero o propiedad o otros derechos importante para 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 INFORMACION DE C6M0 CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACI6N ACERCA AGENCIAS QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. Cumberland County Bar Assoication 32 South Bedford Street Carlisle, PA 17013 1-800-990-9108 (717)249-3166 Document #: 180057.1 c IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff Vs. ALEXANDER O. SANDER Defendant NO. 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, Alexander O. Sander, is an adult individual with a last known address of 209 South 2nd Street, Lemoyne, PA 17043. 3. Defendant is, and at all relevant times material hereto has been, the primary loan applicant. 4. Defendant applied to Plaintiff for a loan for the purpose of purchasing a motor vehicle. 5. The loan application submitted by Defendant was approved by Plaintiff and Defendant signed a Loanliner Advance Proceeds Check for the purchase of the vehicle. A true and correct copy of said Loanliner Advance Proceeds Check is attached hereto, incorporated herein and marked as Exhibit "A". Document #: 180057.1 6. Pursuant to the Loanliner Advance Proceeds Check marked as Exhibit "A", Defendant agreed to the terms and conditions of the extension of credit as set forth in the Loanliner Credit and Security Agreement (hereinafter referred to as "Contract"). A true and correct copy of the Loanliner Credit and Security Agreement is attached hereto, incorporated herein and marked as Exhibit "B". 7. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms and conditions of the Contract marked as Exhibit "B". 8. Various charges were made by Defendant on the account. 9. Plaintiff provided a letter to Defendant stating that the vehicle purchased by Defendant was deemed repossessed. The letter further advises Defendant that unless payment in full was made on the outstanding loan balance, the said vehicle would be sold at a public sale and Defendant will be responsible for any resulting deficiency. 10. As a result of Defendant's failure to cure the default in payment, and pursuant to state law remedies, Plaintiff sold the vehicle at public sale. 11. Plaintiff provided a letter to Defendant indicating that there was a resulting deficiency after the sale of the vehicle. 12. Plaintiff has maintained a statement of account keeping an accurate and running amount of debits and credits made on Defendant's account. 13. Plaintiff has submitted to Defendant a copy of the statement of account accurately showing all debits and credits for transactions with Defendant. 14. Defendant has not objected to any of the monthly statements of account submitted by Plaintiff to Defendant. Document #. 180057.1 15. Despite Plaintiffs reasonable and repeated demands for payment, Defendant has failed, refused and continues to refuse to pay all sums due and owing on Defendant's loan account balance, all to the damage of Plaintiff. 16. As of September 7, 2007, the balance due, owing and unpaid on Defendant's loan account with Plaintiff is the sum of Seven Thousand Four Hundred Ninety-Four Dollars and 47/100 ($7,494.47). 17. Pursuant to the terms and conditions of the extension of credit contained in the Contract, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest charge on the principal loan balance. 18. Due to the default of the Defendant and pursuant to the terms and conditions of the Contract attached as Exhibit "B", attorney's fees in the total amount of One Thousand Five Hundred Twenty-Three Dollars and 84/100 ($1,523.89) have been added to the account. 19. Any and all conditions precedent to the bringing of this action has been performed by Plaintiff. 20. The amount in controversy is within the jurisdictional amount requiring compulsory 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, Alexander O. Sander, in the amount of Nine Thousand Eighteen Dollars and 36/100 ($9,018.36), plus interest, the costs of this action, and such other relief as the Court deems just and proper. Respectfully submitted, VAN ECK & VAN ECK, P.C. By: MQ Melissa L. Van Eck, Esquire Attorney I.D. No. 85869 P.O. Box 6662 Harrisburg, PA 17112 717.540.5406 A 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 unworn falsification to authorities. Pennsylvania State Employees Credit Union Title: ('C; t llk c f. Cli "i if - lee Date: Document #: 180057.1 EDIT cc A» 70:7 FLACK N?i iuuruseuwri?`?flo?t '` `.\ Y? DATE' ry.:= ,, :? ? ^'.3?:,. `? WOE 03/22/05' . { 06:106 075E, CASHIER`S CHECK . = _., • F iL ` 5520 00 5titi ?8DtIDRSD'17iEHSY,DOLL7IRS'AND`00 CRNiS-?• ... _ . - - :.. PA STATE EMPLOYEES CAEaIT UNION . . CR; O Sl?lIDPRS _ OD12.lE 03/23.'OS OGU! 5.?6. :nr ` : _ - Orh-e cAED.afa. FS a ?;068:266M=N=2.3 11A E 11Ci? ADVANCE PROCEEDS VOUCHER AND SECURITY AGREEMENT n r tL 013 (717) 234-8484 Me financial link m (800) 237 ?8 ME)deERN(1 - =:,:.: :'- i ':.?, « ?.'-n,rre: - _:ke+re oc N ?> c:- = = -04. ALEXANDER O SANDERS 03/22!2005 8401105740 /10 0004439310 3031 GUINEVERES DR PRIVATE PARTY HARRISBURG PA 17110 TAA[TMYM t El NEW LCAN 2 ? OPEWEND LOM ADW NCE ? , C1 "WE EEOUrr AWANCE I a . l YOU RAVE PAE1gDn18 ELECIEDTO HAVETMS ADVANCE N9URW W MTW FOUn WG COVERAGE CENTAGE RATE Faux vAR1AeLE + .013671 04.990 % K] i 11 l 8,320.00 156.98 1 04121/05 S*IM E CREDIT UFE JOWCREW LIFE YES ? NOU YES ? HO PFEW15SEIALANX NEWBALAHCE $0.00 , 8,320.00 MONTHLY AWM!("EIFEONLY l1RRYFUR1H3At?11NCEiSTWEAEALPF&SVYPNMOSTCASESY"HOME3WMHVWGNEASSECUF iiW YYOURACCOUNr VIKSESIPAUSHER IP7W19MD1'AHOME EQUITYAOVANCE,WADDITIONIOnlEPLEDGEOFSHARES*4 YOUR t MMll M-CREINfAWIESAM..THEFOUOWWGPROPERTYSECURESTMAMMM ITEM PFIOPEH[Y ` -` :::. .+ s . ;^? Y., :v :.'?Y -'3 t• . , - ' ::'? r- "•:: 1. 2 HONDA a CIVIC 1998 IHGEJ8147WL035341 CPR 8,320.00 COMER YOU PLEDGE SHARES ANDIOR DEPOSITS of $ IN ACCOUNT NUMM31 OLD ACCOUNTA.OM M MSER ) PAYOFF + WTa OLD AGCOLIMOAN N(JMB PAYOFF RIWC.+ INT) OLD ACCOUNTAAAN NUMBER (C) PAYOFF (PRWC. + WE) OLD ACCOUNTA"N MIAADER PAYOFF NC.+ WT OLD AiCOOUNnLOAN MIAIBER E) PAYOFF (PRINQ + INT. OLD ACCOIXJrAAAN NLSWMER (F) PAYOFF (PRWC.+ WE) By accepting the proceeds or by using the funds advanced and deposited Into your sharefshare draft account, you agree (1) that the property referenced above Wld smro the advance and any other advances you have now or receive In the future under the LOANUNER• Credit and Security Agreement (the Plan) and any other amouids you ogre us for any reason now of in the future to accordance With the terms of the Plan and (2) to make payments as disclosed above in accordance with the terms of the Plan. 0 WM MUIVAL GROUP. ISM 82.64. a6.119.86, 99, 2000.01.04. ALL NIGHTS RESERVED PENNSYLVANIA STATE EMPLOYEES GRED(T UNION FORM 0317S N)MOD-1 037-9.092.1 (4)04) Penrsovania State Emptayees Credit Unto P. O. Box 67013 Harrisburg, PA 17106-7 SCANNE by System Time Received: 01:49 PM;•; Application ID: 443931 Application Received 03/21/2005:••x: Branch- IMPORT -1 Source: 1286 Source of Repayment Scheduled auto transfer Secondary Source of Repayment:: ?! #3e[ai','• `? Product DL - Died Loan - Vehicle ban (23) Application Loan Type: Regular Ore'' appFov Purpose: Autoban-Dearer*; •:•:•:-:•:-:•:•:•.'.*.';•:•:•:• ........................ Auto ban - Lease Buyout .:................. :::::: ::• : ........................... Auto ban - Refinance-*.' .......................... :: Au to ban - Private Party; •;•;•:•:•;•:•:•:•:•:-:•:•:•:•:•::::: : ........................ Auto ban MemberOwned:•:•:•:•:•.•....... ; ; .. ; ; . ; . . Auto loan • Recieafional Vehicle.: • : •: -: • : •: - . Auto loan - Rollover: ::. -: •. •. •: •.• •: •: • _, :• :. . Specific Use of Proceeds: Credit Bureau: lExperian v Share Application Information?: Tito First MidIedle - Last Suffix Name ?' DER : •:: l` SANDERS .... Household- 0 Bath Date: 06/10/1986:::: SSW: 577-13-3243: ::LsAlcii{s Total Number of People in Citizenship: US Ck;en `v. Borrower Type:'Applicant + Spouse of Borrower. 'No •`!'. Marital Status: Mother's Maiden Name: Lr-J CB PIN: ------------- Email BADBLACK02FOCUS@AOLCOM:; AKA/FKA:; "` Foreign Address : Apt / Bldg t Unit "•'•""•; Number Dr Street Name D•r Type Type Number • Standard a :-* UINEVERES ;DR Rural Route Route/Mi7itary Type. i Number. ] Box PO PO Box County. Line 2 1AP! Bl ............ City. HARRISBURG State: PA Zip: 17110 - Province: Country. Postal Code- Phone: [71 71 651-0578: Ext Residential Statur. ? Rents + Time at Address: El Ps a mths Cellular ( j -: •: M :Phone number verified.:: • : • : Address veifed: -: 0:Applcant's mailing address is the same as the current address.::.' Collect Previous Address Information. Position:: MANAG ER ;;; ; Urlemp/Studerit............ ...................... Active duty military member-: .......... .... Employer Name: COtJNALD'S Phone: (7171774:1027: Ext: ..................... .. . Verification Phone: (J •:•:•:•:• Borrower Code: Non-Employee Loan J Time at Pres. Employer: KI yrs [M mths Income: Pia Basis: Proof of ncome received : Gross Salary: 24000.00 'Annua ( l5' Emplokmentverified 0 T /Bonus/Comrrm ;AmuaRy 7; Inc verified : • : •: Otherlncome:'-:_:_:4576,00 tAmuaAy, :w Source: Part TimelSecond Job Aknony, chid support 5 separate maintenance income need not be revealed if you do not wish to have it considered Collect Prevaus t4k5nr?ent Information: Collateral to add New car, truck, SUV, van' 1998 HONDA CIVIC 1HGEJ8147WL035341 Value:8320.00 Basis:Keley Blue Book Std Adv Vat 10816.0 ?; < :•::?: ...... ....................................................... :Delete ...............................................................:.. TOCollateral Value: : •::8320.00 Standard Advance: :• ::10816.00 Standard Advance'/.::::.130 Exist Cons Not RefE 0.00 New Loan Request ::8320.00 Loan to Std Advance: Credit Limit \ Maximum Loan Amount: Loan To Value: 100.00 Purchase Details Selling Price:: 0.00 DownPayment Rebate/Other Equity.[:::::::::::-:-. 00 Net Trade In Amount 0.00 Tax Rate (i)::: ::0.00000 T ax Amount Title: License: Amount to France: Ctedta ... ?? Account Number Payment Balance Type Last Act Date PO Estimated Payment 157 8320 1 housing 150 0 H Aim, chid sup, court ordered 0 0 IlAdiustment 0 0 A FRO MOTOR CR 37846531 176 6558 I 03/2005 S1 Debt Ratio,. :::•:14 LC Debt Ratia :•:•:14 S1 Proi Debt Ratio ::E:20• Original Application Factors used in Automated Decisioning Housing Pmt 1: 150 .. Other Expenses: l .....-? LC Prof Debt Ratio:: : T otal M or** A4 Application Loan Pmt:' : 157 Total LC Pmts:: •:::::.... 8 Current Application Factors being utilized by Underwriter Housing Pmt .150 Other Expenses: Application Loan Pmt 157 Total Mont*Ack LC Proi Debt Ratio: F--2--0j Total LC Prot: Monthly Income Summary Gross Income- + 0T/BonusXomumissk n: u + Other Income: lam' •'-•""? = In&idual Total Inane: :::•:.:-:2381 Combined Income: Ratios Revolving Debt ,• 0 Housing Debt Total Revolving Line- ?... ?i Net Disposable Debt .20120 :':t3risdgcEo?? Total Sl Pmts: 48 Residual Income Summary Total Income: : 2381 - Residual Act - T otal All Pmts: 1: -4 = Net Residual Inc: Net Disposable Income: Product . _-::.. # of Payments: Paymer-APeriod: Mon" : Total Amount Fnarrced ::::: 8320.00 Total Collateral Value: ::::::: 832(1.00 Combined LTV: -100 E stimated Payment Total Debt vA Us-E--An-T-1 Current System Decision/Recomnendatim ove•::::: : Decision Party: Application Score, :187 Cutoff: :195 Score Srmmarv: Borrower Bureau Model Score M•rssirV Fields SANDERS. ALEXANDE Trans Union EMPIRICA 950 638 SANDERS, ALEXANDE Trans Union LiquidCredit Final S 187 0 SANDERS, ALEXANDE Trans Union L' edit S 31 'Marwal Loan Number: Loan Number: l Suffix. Reported Amount Primary Collateral Code: ;Vehicle ban Down Payment: :,:_: 0.00 Funds Request New w Payment Type: Installment Interest Accruat Actual/365_y Payment: :_:.:.:.156.98 Interest Rate: ::499000 Final Payment: ::::::::156.96 Maximum Term: 10 Interest Rate Lookup: ` `'.e. ]CAeialaT: • Use :Decision party y? rate- Rate Loan Date: 03121 /2005: Disbursement Date: fl3/22/20D5: fl Maturily (Due) Date: 03121/2010: New Funds Amt: :•:•:•:•:•8320:D0 Total Requested Amount 8320.00 Loan Amount: 8320.00 + Total Financed Fees: Total Financed Insurance: 00 Total Financed Amt :::::8320.00 Type: rFaced lock: rate. Rate Lock Date: Credit Life Selection None - -- ;- Plan jGedt Lie Insurance .......y._.._.......y....._.....?....?._......_ .. Disability Selection None ------- PlanDaabTty . _ .. .................;. Coverage for. Applicant SANDERS, ALEXANDER 0 [577-13-;- -- ....................... Credd Lite [Decreasing) Credt life (Level) Di &&y :Premium Paid in Cash*. ? .............. Insured Amount ::::::::0.00 :;:.::::::•::.:000 :::0.00 Monthly Benefiit ::•:•:•:•::::':0.00 Premism Cost Per Day.::•:-:•:-:•: •:-0.00 ::.:.:.:.:.::::0.00 :::0.00 End Coverage Date: :::::•::: Q Coverage Terre 04/21/2005 ........... 34.12 ........ 122.86 .......... 8,197.14 ............ 156.98 .......... 0-00 ....... . 0.00:•:•:. .. 05/2 1/2005 ........... 33.62 ...... 123.36 8,073:78 1S6:98 . 0.00 . ....... 0:00:-'-'- 06/21/2005 ........... 34.22 ........ 122.76 .......... 7,951.02 ..... .. .. . 156:98 0.00 :: 0:00.: 07!21!2005 32:61 124.37 7,826:65 156.98 0.00 :: 0:00:::::: 08/21/2005 33.17 123-81 7,702.84 ....... 156:98 ... . 0.00 0.00' : 09/21/2005 ........... 32.65 ...... 124.33 7,578:51 156.98 0.00 0.00::: 10/21/2005 ........... 31.08 ........ 125.90 .......... 7,452.61 ............ 156.98 .......... 0.00 .......... 0.00*'' ...... . 11/21/2005 ........... 31.58 ........ 125-40 ....... ... 7,327-21 ............ 156.98 .......... 0-00 .......... .. 0-00:. ......... 12/21./2005 . ....... . 30:05 126.93 7,200:28 156.98 0.00 0:00:::::: 01/21/2006 ........... 30.52 ........ 126.46 .......... 7,073.82 ............ 156.98 .......... 0.00 .......... O 00 .•:• ....... . 02121/2006 ........... 29.98 ........ 127.00 .......... 6,946.82 ............ 156.98 .......... 0.00 ...... . 0:00:::::: 03/21/2006 ........ 26.59 130.39 6,816:43 156.98 0.00 0:00:-,.-- 04/21/2006 ........... 28.89 ...... 128.09 6,688:34 156.98 0.00 0.00*' ::: 05/21/2006 ........... 27.43 ...... 129.55 6,558:79 156-98 0.00 0:00:-*--- 06/21/2006 ..................... 27.80 ........ ........ 129.18 ..................... 6,429.61 ................ ........ 156.98 . .................... 0.00 .................. 0.00:•,.-- ...... ............ APR:: ....9000 Interest Payments: :::::::: 0.60 :...... tt of Interest Paymentx • ... • 6 . . Total Interest ::1098.78 Total Payment: ::9418.78 ........ .. .::.:.:. :. :.:.:.. Y .'MfGz±o>::>;:: :Pr:C-+pri 5srar :.:..:. ; • :::. Number of PrMs: Pmt Period kj 1st Payment Date 04/21.12QO, 7 End of Mordh? State. :.: :•i-fit:;? ltilave`i DecisiontRecormrendation Decision Party: System•:-:-:-:-::---- O3t21t200516:5g24: Decision Based upon Review Approvals Below.. : ................................. Application Score: :::187 Cutoff. E Reasons for Review. Review Declines Above. -- ---------------------- - ----- - - --- - Review -Abnormal credit report. (ALEXANDER SANDERS) .............................. ................... ...................................................................... ...................................................................... ...................................................................... ...................................................................... ...................................................................... ...................................................................... ...................................................................... ...................................................................... ...................................................................... ...................................................................... ...................................................................... ...................................................................... Decision Current Status: clove ::: a......... . Underwriter System.:::::::::::: 03[21/200516:59:24: Max Sys Approved Amt: ?"^J Reasons to Override: Stipulations: ec?pt:?411 s Reason Field Label Value Member. Code 0 i Current PSLV LOC If HELOC. immediate adv amt 0 Deposit proceeds into Sl or S4 `•XNET,XNETRE,XPHONE,XPAPRE, XPHONE Disclaimer Answer AYES or CYES AYES '• member requested 0 of payments 60 Type: 03/21/200.51349:03 General Applmport' ...............: 2f36tt ELL 71 7 856 81 •:-:-:::.:-:.:-:.:-:.:.:-:-_:::::_:.::::: ::..... ....... ......... . ...................... ...................... ............................................. ... ................................................................... ................................................................... .................................................................... MMIT ` " PSECO Pennsylvania State Employees Credit Union P.O. Box 67013 • Harrisburg, PA 17106-7013 I (717) 233-8434 Harrisburg. (800) 237-7328 Nationwide the financial links Loan Disclosures This Lt7jWUNER$ Credit and Security Agreement, which includes the Truth in Lending Disclosures. will be referred to as the Plan. The Plan documents include this agreement and an Addendum. You, your and borrower mean any person who signs the Plan. Credit union, we, our and us mean PSECU or anyone to whom the Credit Union transfers its rights under the Plan. HOW THIS PLAN WORKS - This is an open-end, multi-featured credit plan. We anticipate that, from time to time, you will borrow money (called 'advances) under the Plan. We are not required to make advances to you under the Plan and can refuse a request for an advance at any time. The Addendum describes the different types of credit (called'subaccounts) available under the Plan, the current interest rate for each subaccount expressed as a daily periodic rate and corresponding annual percentage rate and other charges. It may also have other terms and a schedule for determining the payment amounts. CREDIT UMIT - We may, but do not have to, establish a credit limit on certain subaccounls, it a credit Unit is set for a subaccount, you promise not to exceed the astabpshed credit fitnit. If you exceed the credit limit, you promise to repay Innniedfately the amount which exceeds the credit limit. REPAYMENT - You promise to repay all amounts you owe under the Plan plus Interest Payments are due on the last day of the month unless we set a different day at the time of an advance. If the Addendum has no payment schedule for a subscoount, your payment will be determined at the time of each advance. Payments must Include any amount past due and any amount by which you have exceeded any credit " you have been given for a subaocount. You may repay all or part of what you owe at any time without any prepayment penalty. Even It you prepay, you will stiff be required to make the regularly scheduled payments unless we agree in writing to a change in the payment schedule. If you have a joint sharedraft account. you will be responsible for paying all overdraft advances obtained by a joint holder of the sharedraft account. Unless otherwise required by law. payments will be applied to amounts owed under the Plan, in the manner the Credit Union chooses. PLAN ACCESS -low can obtain credit advances In any manner authorized by us. H we slow you to use your ATM/Debft card to access the Phan, you may be gable fo the urnwAhortzed use of your A M/Debit card. You will not be gable or unauthorized use that occurs affx you notify us, orally or in writing, of the loss, thelt, or possible tnmAhoriaed use, If you believe your AM/Debit card has been lost or stolen. Mnedietefy Inform the Credit Union by calltp or writing us at the telephone number or address ihat.appears elsewhere in the Plan. H the card is used to obtain unauthorized adrences daectly from the Plan, your liability will not emceed SW N the unauthorized wltlhdrawal Is from a sheredraft account your liability is governed by the Regulation E dlsdosures you received at the time you received your ATM/Debit card, even if the withdrawal results in an advance being made from your overdraft subaocautt. FINANCE CHARGE - The dollar amount you pay for money borrowed Is caged a '!inane charge- and begins on the date of each advance. A finance charge wig be computed separately for each separate balance under the Plan. To compta th a e finance charge, the unpaid balance for each day since yotr last payment or since an advance N you have not yet made a payment) is multiplied by the applicable daily periodic rata The sum of these amounts Is the finance charge owed. The balance used to compute the finance charge Is the unpaid balance each day after payments and credits to that balance have been subtracted and any additions to the balance have been made. In addition to Interest, we may charge other finance charges vhdhlch are disclosed on the Addendum. H the Interest rate Is a variable interest rate, the Addendum explains how the variable Interest rate works. SECURITY - You pledge as security for the Plan all shares and dividends and, H any. all deposits and Interest In all joint and individual accounts you have with us now and in the future. It a specific dollar amount is pledged for an advance, we will freeze shares In that account to the extent of the outstanding balance for the advance. Otherwise, your pledged stares may be withdrawn unless you are in default. The following paragraph applies In all states except In Ohio, Rhode Island and Massachusetts: We have a statutory lien on the shares and dividends and, N any, the deposits and interest In all Individual and joint accounts you have with us and may exercise our rights under the lien to the extent permitted by state law. (We are state chartered it our name does not include the term 'Federal Credit Union.') For all borrowers: The statutory Non and/or your pledge will allow us to apply the funds In your account(s) to what you owe when you are in default The statutory lien and your pledge do not apply to any Individual Retirement Account or any other account that would lose special tax treatment under state or federal law H given as security. Additional security for the Plan may be required at the time of an advance. If a subaccount Identifies a type of property (such as 'New Cars) you must give that type of property as security when you get an advance under that subaccount. A subacoount name such as 'Other Secured means you must provide security acceptable to us when you obtain an advance under that subaccount Property you give as security win secure all amounts owed under the Plan and all other loans you have with us now or in the future, except any loan secured by your principal dwelling. Property securing other bans you have with us may also secure the Plan. CREDIT INSURANCE - Credit life and/or credit disability insurance Is optional under the Plan. If you quality for and purchase the insurance from us, you authorize us to add the insurance premiums monthly to your loan balance and charge you C CUKA Uw/.UAL UCUV. iW, 32. 64 ?6. W Sd. ?9. 20x1. D?. 02. W De.05.:.?. interest on the entire balance. If you elect credit insurance, your payments may increase or the period of time necessary to repay your advance may be extended. The credit insurance rates may change during the Plan. It the rates change, we will provide any notices required by applicable law. PERIODIC STATEMENT- On a regular basis you will receive a statement showing ail transactions under the Plan during the period covered by the statement. Statements and notices will be sent to you at the most recent address you have given us in writing. Unless applicable law requires notice to each joint borrower, notice to any one of you will be notice to all. JOINT ACCOUNTS - If this Is a Joint account, each of you is individually and jointly responsible for paying all amounts owed. That means we can enforce our rights under the Plan against any one of you individually or against all of you together t you give us Inconsistent Instructions. we can refuse to follow your instructions Unless our written policy requires an of you to sign for an advance, each of you authorizes the other(s) to obtain advances individually and agrees to repay advances merle to the other(s). Any Joint accountholder may terminate the Plan by giving us prior written notice. If arty of you terminate rte Plan. One Plan is terminated for all of you. You remain gable individually and jointly for all advances incurred before termination FEES AND CHARGES - If you give us a security Interest in certain types of property, we may charge you a filing fee to perfect our interest In the property. H we do. the amount of the fee will be disclosed to you at the time you obtain an advance. We may also charge you other fees In connection with the Plan. Our current fees are disclosed on the Addendum and will be added to your loan balance unless you pay them M cash. UPDATING CREDIT INFORMATION -You promise that you will promptly give us written notice N you move, change your name or employment, or N any other Information you provided to us changes. Upon our request, you also agree to provide us updated financial Information. DEFAULT - The following paragraph sppffes to borrowers In Wahl,, /(snags, Maine and South Carofirm. You will be In default If you do not make a payment of the amount required when it Is dire. You will also be In dereuit if we belove the prospect of paypnett, performance. or realization on any property given as security Is significantly Impaired. The tollowing paragraph applies only to borrowers In tMsconsln: You wfil be in default if you lab to make a payment when due two tines dinning any 12 month "You will be in default H breaking any promise made under the Plan materially your ability to repay what you owe or materially Impairs the condition. value, or protection of or our right In any property you gave as gecurlry. The following paragraph applies only to borrowers in lows: You wig be In default it you are more than 10 days late In me" a payment You will also be in default it you do not comply with the terms of the Plan and your failure to comply materially Impairs any property you gave as security or your ability to repay what you owe under the Plan. The following paragraph applies to borrowers In all other states: You will be in default if you do not make a payment of the amount required when it is due. You will be In default H you break any promise you made under the Plan or N anyone Is In default wider arty security agreement made In connection with an advance hander the Plan. You wig be In default H you die. Me for bankruptcy, became Insolvent, N you make any false or misleading statements In any credit application or update of credit Information, or if something happens we believe may substantially reduos your ability to repay what you owe. You wig be In default N any properly you have given us as security is repossessed by someone else, seized under a ftxfell re or similar law, or N anything else happens that significantly affects the value of the property or our security interest in it.You will also be in default under the Plan N you are in default under any other loan agreement wtt i us. ACTIONS AFTER DEFAULT - The following paragraph applies to borrowers In Colorado, District of Columbia, Iowa, Kansas, Alain, Massachusetts, Mfssourt, Nebraska, South Carolina and West Virginia: When you are in default and after expiration of any right you have under applicable state law to aim your default, we can demand k imediate payment of the entire unpaid balance under the Plan without giving you advance notice. The following perac,paph applies to borrowers In all other states exceptWscarsin and Louislana: When you are in default, we can require Immediate payment (acceleration) of the entire unpaid balance under the Plan. You waive any not you have to demand for payment, notice of Intent to accelerate and notice of aeeelsratioh. The following paragraphs apply to borrowers In all states except Wisconsin and Louisiana: N immediate payment is demanded, you wig continue to pay Interest until what you owe has been repaid at the applicable interest rates in effec or. N applicable, at the default rate disclosed on the Addendum. If a demand for immediate payment has been made, your shares and/or deposits can be applied towards what you owe as provided in the section above called 'Security.' We can also exercise any other rights given by taw when you are in default. You agree the Credit Union has the right to take possession of any property given as security under the Plan, without judicial process, if this can be done without breach of the peace. If we ask. you promise to deliver the property at a time and glace we choose. If the property is a motor vehicle or boat, you agree that we may CPSMGh PSECU FORM $3146 JBXI(0601-2 037-2092.1 (3/07 LOANLINER' Credit and Security Credit Agreement (continued) obtain a key or other device necessary to t:ntock and operate A. when you are in default. We will not be responsible for arty other property, not covered by this Agreement, that you leave inside the property or !hat is attached to the property. We will try to return that proper y to you or make.il available for you to claim. After we have possession of the property, we can sell 4 and apply the frioney to any amounts you owe us. We will give you notice of any public disposition or the date after which a private disposition wilt be held. Our expenses for taking possession of and selling the property will be deducted from the money received from the sale. Those ousts may induce the cost of storing the property, preparing it for sale and attorney's fees Id•the extent permitted under state law or awarded under the Bankruptcy Code. You must pay any amount that remains unpaid after the sale money has been applied In any unpaid balance under the Plan. You agree lo pay Interest on that amount at the same rate as the advance, or, if applicable, at the default rate disclosed on the Addendum, until that amount has beers paid. The tblbwing parsgraplt applies only to Wsconsin borrowers: Wien you are in default and after expiration of any right you have under applicable state law to cure your debult, we may require immediate pa,ynhent of your outstanding loan balance under the Plan and seek possession of property, given as security Nbu may volu ttarlly give the property In us it you choose, or we may seek to take possession of the property by judittat process. It we repossess the property, you agree b pay tuesonade expenses itrumed in disploeirq of the phoPertY- C Cue property is a rector vettkde, noble horns. trader arhovtarhobia, boat or aacralL you w0 also t>e ragkdred 6o Pay any rxxsLs Pamitted by SacSott 422 4/3 d the Wismrhsith StatttlBS You must pay arty amount that rerreihs tatpaM after the sale money has been applied b tnthnt you owe trader Cho Plan Ybu agree b pay interest on any urhpaid amount at to same race as the advance. or, it applcable, at the default rate disclosed hxt the Adderdtrn; until that amount n paid. H the property Is located outside Wisconsin at the time of default, we may take possession of the property without judicial process, it permitted by the state where the property Is located. Tice following paragraph applies only to Louisiana borrowers: When you are in default, we can require Immediate payment (acceleration) of the entire unpaid balance under the Plan. You waive any right you have to demand for paymentt, notice of intent to accelerate and notice of acceleration. If immediate payment is demanded you will continue to pay interest until what you owe has been repaid at the applicable irtereM rates In effect unless a default rate is disclosed on the Addendum. If a demand for Immediate payment has been made, the shares and deposits given as security for the Plan can be applied towards what you owe. We can also exercise any other rights given by law when you are In default and our rights under any security agreements you have with us. CANCELLING OR CHANGING THE PLAN - The followbtg parograah applies orgy to borrowers in flBnotr. We have the right to change the Lamle of the Plan from time. to tine after tilt you arry advance notice required by law. Any change to the interest rate or otter charges will apply to ham advances. The following paragraph aWles only to borrowers in Wisconsin: We can change the terms of the Plan from time to fire in accordance with Section 421.415 of the Wisconsin Statutes. You will be notified of any change in terms. An increase in the dally periodic rate under a variable rate interest rate Is not considered a change In terms under the Plan. We can cancel the entire Plan or any part of the Plan at any time. You may cancel the Plan at any time by giving us prior written notice. Ybur obligation to pay the unpaid balances under the terms of the Plan continues whether you or the credit union cancel the Plan, wccept to the extent that your ftal>Edy Is rallied by Section 422.4155 of the Whoonsin Statutes. The toAow(ng paragraph appllas only to borrowers in Iowa: We can change the terms of the Plan from time to time after Oft you arty advance notice required by law. A change that increases the rate of finance charge or other charge, that increases the amount of row payments, or that otherwlse adversely affects existing balances will apply to eosbng balances ordy If you agree to ifte change or you use this Plan after receiving notice that your use of the Plan means you agree the change applies b sxdoling balancw The following paragraph applies to borrowers in d? other states: We have the right to change the terms of the Plan from time to tune after giving you any advance notice required by law. Any change in the interest rate will apply to future advances, and at our discretion and subject to any requirements of applicable law, will also apply to unpaid balances. The !billowing paragraph applies to all but Wisconsin borrowers: An increase in the dally periodic rate under a variable interest rate is not considered a change in terms under the Plain We can cancel the entire Plan or any part of the Plan at any time. You may cancel the Plan at any time by giving us prior wrMen notice. Your obligation to pay the unpaid balances under the terms of the Plan continues whether you or the Credit Union cancel the Plan. DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN - We can delay enforcing any of our rights under this Plan any number of times without losing ire ability to exercise our rights later. We can enforce this Plan against your heirs or legal representatives. It we change the terms of the Plan, you agree that this Plan will continue to protect us. CONTINUED EFFECTIVENESS - If arty part of this Plan is determined by a court to be unenforceable, the rest will remain in effect NOTICE TO UTAH BORROWERS - This written agreement Is a final expression of the agreement between you and the Credit Union. This written agreement may not be contradicted by evidence of any oral agreement. The following Is trgelred by Vannont law - NOTICE TO GO-SIGNER - YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. The following paragraphs apply it you give security in connection with an advance under the Plan.They apply to borrowers in all states except Louisiana. Louisiana borrowers will execute a separate security agreement. Borrowers in other states may also be asked to execute a separate security agreement. THE SECURITY FOR THE PLAN - You give us what is known as a security interest in all property described in any receipt, voucher or other document you receive for an advance ("the Advance"). The security interest you give includes all t accessions. Accessions are things which are attached to or installed in the property now or in the future. The security interest also includes any replacements for the i property which you buy within 10 days of the Advance or any extensions, renewals or refinancing of the Advance. It also includes any money you receive from selling the property or from insurance you have on the property. If the value of the property declines, you promise to give us more property as security it asked to do so. WHATTHE SECURITY INTEREST COVERSiCROSS COLLATERAL PROVISIONS - The security interest secures the Advance described in the receipt, voucher or any other document you receive at the time of the Advance and any extensions, renewals or refinancings of the Advance. H also secures any other advances you have now or receive In the future under the Plan and any other amounts or loans, including any credit card loan, you owe us for any reason now or In the future, except any loan secured by your principal residence. If the property is household goods as defined by the Federal Trade Commission Credit Practices Rule, the property will secure only pie Advance and not other amounts you owe. OWNERSHIP OF THE PROPERTY -You promise that you own all property you give as security or if Cie Advance is to buy the property, you promise you will use the Advance for that purpose. You promise that no one else has any interest in or claim against the property that you have not already told us about. You promise not to sell or lease the property or to use it as security for a loan with another creditor until the Advance is repaid. You promise you will allow no other security interest or Gen to attach to the property either by your actions or by operation of taw. PROPERTY INSURANCE, TAXES AND FEES - You must maintain property insurance on all property that you give as security under the Plan. You may purchase the property insurwico from anyone you choose who is acceptable to the Credit Union. The amount and coverage of the property insurance nest be acceptable to us. You may provide the property insurance through a policy you already have, or through a policy you gel and pay for. You promise to make the Insurance policy payable to us and to deriver the policy or proof of coverage to us it asked to do so. H you cancel your insurance and get a refund, we have a right to the refund. It the property Is lost of damaged, we can use the insurance settlement to repair the property or apply It towards what you owe. You authorize us to endorse any draft or check which may be payable to you In order for us to collect arty rotund or benefits due under your insurance policy. You also promise to pay all taxes and fees (like registration fees) due on the property. If you do not pay tea taxes or lees on the property when dire or keep it insured, we may pay these obligations, but we are not required to do six Any money we spend for taxes. fees or Insurance will be added to the unpaid balance of the advance and you will pay Intterest on those amounts at the same rate you agreed to pay on the advance. We may receive payments in connection with the insurance from a company which provides the Insurance. We may monitor our loans for to purpose of determining whetter you and other borrowers have compiled with the insurance requirements of our ban agreements or may engage others to do six The insurance charge added to an advance may Include (1) the kaxseive the Insurance requirements. If vo ato us and dd amounts Ax taxes, liess or ?inisurance 10 g compliance tt i unpaid balance of an advance. we may increase your paYrne?xs to pay the amount added within the term of the insurance or apprcdmste term of the advance. INSURANCE NOTICE - If you do not purchase the required property "insurance, the insurance we may purchase and charge you for will cover only our Interest in the property. The premium for this Insurance may be higher because the insurance company may have given us the right to purchase insurance after uninsured collateral Is lost or damaged. The Insurance will not be liability Insurance and will not sad aty any state financial responsibility or no fault laws. PROTECTING THE SECURITY INTEREST - It your state issues a tide for the property, you promise to have our security interest shown on the title. We may have to Me what is called a financing statement to protect our security Interest from the claims of others. If asked to do so, you promise to sign a financing statement. You also promise to do whatever else we think is necessary to protect our security interest in the property. You promise to pay all costs, including but not limited to any attorney fees, we incur in protecting our security interest and rights in the property, to the extent permitted by applicable law. USE OF PROPERTY - Until the Advance has been paid off, you promise you will: (1) Use the property carefully and keep it in good repair. (2) Obtain our written permission before making major changes to the property or changing the address where the property is kept. (3) Inform us in writing before changing your address. (4) Allow us to inspect the property (5) Promptly rhotify us it the property is damaged, stolen or abused. (6) Not use the property for any unlawful purpose. (7) Not to refills property in another state without telling us. NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE - THE MOTOR VEHICLE IN THIS TRANSACTION MAY BE SUBJECT TO REPOSSESSION. IF IT IS REPOSSESSED AND SOLD TO SOMEONE ELSE, AND ALL AMOUNTS DUE TO THE SECURED PARTY ARE NOT RECEIVED IN THAT SALE, YOU MAY HAVE TO PAY THE DIFFERENCE. NOTICE FOR ARIZONA OWNERS OF PROPERTY - It is unlawful for you to fail to return a motor vehicle that is subject to a securty interest, within thirty days after you have received notice of default. The notice will be mailed to the address you gave us. It is your responsibility to notify us d your address changes. The maximum penalty for unlawful failure to return a motor vehicle is one year in prison and.ror a fine of S150.000. This notice contains important information about your rights and our responsibilities under the Fair Credit Bitting Act You are advised to read yew 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 )vw statement is wrong, or if you need more information stout a transaction on your statement, write us on a separate sheet at the address listed on your statement. You are rewired to notify us in writing within 60 days following the date on which we sent your statement wherein the error or problem fast appeared regarding any discrepancy or unauthorized transactions on your account Failure to notify us may result in your acceptance of any responsibility for payment or reimbursement to us for any such error or discrepancy on your account. Write to us as soon as possible. You can telephone us, but doing so win not preserve your rights. In your letter, give us the following information. Your name and account number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. it you need more information, describe the item you are not sure about if you have authorized us to pay a credit card account automatically from your share account or checking account, you can stop the payment on any amount you think is wrung. To stop the payment your letter mist reach us three business days before the automatic payment is scheduled to oocur. YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE - We must acknowledge your letter within 30 days. unless we have corrected the error by then. Within 90 days, we must either correct the error or egftin why we believe the statement was correct In fhb Agt eernenk.04 words you and your means each and a! of those who apply for the card or who signs this Agreement. Card means the Visa Credit Card and any duplicates and renewals vine Issue. Account means your Visa Credit Card Late of credit account with us. We, us, and ours means this Credit Union. 1, RESPONSIBILITY --- N we issue you a card. you agree to repay all debts and the Finertoe Charge tuiskig from the use of this card and the card aocotnL For viarnple, you are responsible for charges made by yourself, your spouse and minor children. You are also responsible for charges made, by anyone else to whom you give the: card, and inns responsibility continues will the card Is recoveredYbu cannot dfsdalm_ responsibility by notifying us. but we will close the account for new Irarsactions if you so request and retim all cards Your obligation to pay the account balance cutthxres even dough an agreement, divorce decree or other court judgment to which we are not a party may r&ect you or one of the otter persons responsible to pay Ute account 2- LOST CARD NOTIFICATION - if you believe the card has been lost or stolen, you will immediately tall the Credit Union at (717) 234-8484 or (800) 237-7328. After hours cap (800) 550-5675. 3. LIABILITY FOR UNAUTHORIZED USE - You agree to notify us immediately, orally or in writing of the loss, theft or unauthorized use of your Credit Card. You may be table for the unauthorized use of your Credit Card. You win not be liable for unauthorized use that occurs after you ratify us of the loss, theft, or possible unauNortzed use. You will have no lability for unauthorized purchases made with your Credit Card, unless you are grossly negligent in the handling of your Card In any case, your liability wilt not exceed $50. 4. CREDIT LINE - N we approve your application. we will establish a sett- replenishing Line. of Credit for you and notify you of ins amount when we issue the card VW agree not to let cite account balance exceed this approved credit Line. Each peyrnert you make on the accent win restore your Credit line by the snout of the payment which is applied to Via prinuipal.Ytu may request an increase in your Credit tine only by written application to us, which rn mi be approved by our credit committee or loan officer. By giving you written notice we may reduce your Credit Line from time ID time. or with good cause. revoke you card and terminate this Agreement Good cause Includes your bllwe to comply with this Agreement or any other agreement with us, or our adverse reevaluation of your creditworthiness. You may also terminate this Agreement at any time, but termination by either of us does not anect your obligation to pay the accoumt balance. The cards remain our property and you must recover and surrender to us all cards upon our request and upon termination of this Agreement. 5. CREDIT INFORMATION - You authorize us to Investigate your credit standing when opening. renewing or reviewing your account, and you authorize us to disclose Information regarding your account to credit bureaus and other creditors who inquire of us about your credit starting. 6. MONTHLY PAYMENT - We will maid you a statement every month shew'vg your Previous Balances of purchases and dash advances. the current thansactions on your account the remaining credit available under your Credit Bute, the New Balances of purchases and cash advances, the Total New Balance. the Finance Charge due to date, and arty other billed tees, and the IvIinimurn Payment required. Every month you must pay at least the IAnimum Payment within 25 bays of your statement dosing date. By separate agreement you may authorize us to charge the minimum payment automatically to your stare or checking account with us. You may, of purse, pay more frequently, pay more than the Mirwrurm Payment, or pay the Total New Balance in full, and you will reduce the finance charge by doing so. If your monthly payment exceeds the total credit row balance owed, we will automafically post Cie credit to your 5 t sharas. The minimum payment will be (a) 2% of your Total New Balance, rounded up to the next even dollar, or (b) 520.00. whichever is greater. In addition, at aiy time your Total New Balance exceeds your Credit Line, you must immediately pay the excess upon our After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent We can contirure to send statements to you for the amount you ques5on, inckxfing finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating. but you are still obligated to pay the parts of your statement that are not in question. If we find that we made a mistake on your statement, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. It you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your statement And, we must tell 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 finally is. If we don't follow these rules, we can't collect the first 550 of the questioned amount, even it your statement was correct SPECIAL RULE FOR CREDIT CARD PURCHASES - if you have a problem with the quality of property or services that you purchased with a credit card, and you have tri In good falth to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations on this right (a) Ytu must have made the pub in your home state or. N not within your tome state, within 100 miles of your current malting address; and (b) The purchase price must have been more than $50. These fi riltations do not apply it we own or operate the merchant, or if we malted youths, advertbemenc for am property or services. demand. We will apply payments in the lot &AV manner: first b previous late 1683. thert to previous cash advances finance charges, then to previous purchase finance charges. then to current laid lees. then to previous cash advance balances. Own to prs purchase balances In the order that they were posted to your eocokmt, than to current cash advance balances, and then to current putelms balances T.. FINANCE CHARGES -- You can avoid the Finance Charge on purchases by paying the hill amoutlt of the New Balance of Purchases each month within 25 days of yyouir statement hosing data Otherwise. the New Batteries of Purdtases, and the subsequent purchases from the date they are posted to your account, will be subject to Finance Charge. Cash advances are always subject to Finance Charge from the date they are posted to your account. Purchases: We calculate your finance charge by multiplying the average adjusted dally balance (see explanation below), including new purchases, for the billing cycle by the monthly periodic purchase rate and corresponding ANNUAL PERCENTAGE BATE as disclosed on the Addendum. Cash Advances: We calculate your finance charge on cash advances by multiplying the average adjusted daily balance (see explanation below) for cash advances during the billing cycle by the monthly periodic advance rate and corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum. Balance Computation Method Average Dai7y Balance for Purchases - The Average Dally Balance for Purchase Transactiors is calculated by adding the Dally Balances (Pure hale Transaction) for each day In the bong cycle. and then dividing by the number of days In the bitting cycle. To calculate the Daily Balance for purchases each day, we lake the following steps: We take the oubtandirtg balance (an amounts you owe) at the start of the day. Then, in the sequence in which amounts are posted to your account, we add the amounts of an debits and subtract the amounts of all credits or payments which post to your account that day. After apptykxg.paymerts and credits, we subtract the amount of any unpaid Finance Charges or Late Charges Them we also subtract the amount of any Cash Advance transactions that posted to your account on that day or it arty previous day in the billing cycle This gives us the Daly Balance for purchases. Average Daily Balance br Cash Advances - Cash Advance Transactions which are posted to your account are not included in the Average Daily Balance calculation for purchases. aid are therefore rot subject to the monthly periodic rate for purchases. The Average Daily Balance Is calculated separately for Cash Advances and is subject to the Cash Advance Monthly Periodic Rate.The Average Dally Balance for CashTransactiors Is calculated by adding the Dally Balances (Cash Transaction) for each day in the being cycle, and then dlvfdshg by the number of days in the billing cycle. To calculate the Daily Balance for cash each day, we take the following steps: We take the outstanding balance (all amounts you owe) at the start of the day. Then. In the sequence In which amounts are posted to your account, we add the amounts of all debits and subtract the amounts of all credits or payments which post to your account that day After applying payments and credits, we subtract the amount of any unpaid Finance Charges or Late Charges Then we also subtract the amount of any Purchase Transactions that posted to your account on that day or in any previous day in the billing cycle. This gives us the Daily Balance for Cash Advance Transactions. Note: Cash Advances are always subject to finance charges and from the day they are posted to your account Payments are applied in the following mannec first to previous tale tees, then to previous cash advances finance charges, then to previous purchase finance charges, then to current late fees, then to previous cash advance balances, then to previous purchase balances in the order that they were posted to your account, then to current cash advance balances, and then to current purchase balances. Credits are applied first to the particular type of debt which is being credited, if any, and then to the balance of your account. WsY Credit Card Agreement and Truth in Lending Disclosure (continued) Note also that it the total of the payments and credits vrhich are posted to your account by the Payment Due Date shown on a statement is equal to or exceeds the New Balance shown on that statement, we will not apply the Monthly Periodic Rate to your Account on your next statement & DEFAULT - You wig be in default it you fail to make any Minimum Payment within 25 days after your monthly statement closing date.You authorize us to transfer funds sufficient to make the minimum payment due if your Visa loan is in default. You agree that we may temporarily suspend your ATM card access d your Visa payment is due for a period exceeding 30 days. You will also be in default if your ability to repay tub materially reduced by a charge in your employment. an increase in your obligations, bardtruptcy or Insolvency proceedings involving you, your death or your failure to abide by this Agreement. or d the value of our security interest materially declines. We have the right to demand hrmmeclate payment of your fug account balance if you default, subject to our giving you any notice required by law. To the adent permitted by law, you will also be required to pay our collection expenses, including court costs and reasonable attorney fees. S. USt1G THE CARD - To make a purchase or cash advance. there are two allemetiM procedures to be followed. One Is for you to present the card to a parlic ipaling Visa plan merchant, or another financial institution. and sign the sales or cash advance draft which will be imprinted with your card. The other is to complete this transaction by using your Personal Identification Number (PIN) in conjunction wilt the card in an Automated Teller Machine or other type of electronic terminal that provides access to the Visa system. You agree that you hurl not use your card for any transaction that is Beget under applicable federal. state, or local taw. The monthly statement will Idertify the merchant, electronic terminal or financial institution at which transactions were made, but sale, cash advance. credit or other slips cannot be returned with the stilternertt. You will retain a copy of such slips furnished at the Arne of true transaction In order to verily Ate rcor" statement. The Credit Union may make a reasonable charge for photocopies of slips you may request 10. OVERDRAFT OPTION - If you elect to overdraft to your PSECU Visa Credit Card, that election is wAied to the existing credit Unit and the agreement if represents and the current ban pocky at the time of the overdraft. You also understand that an overdraft will be considered the same as a cash advance on your PSECU Visa Credit Card and that the current Annual Percentage Rate for cash advances will apply. 11. RETURNS AND ADJUSTMENTS - Merchants and others who honor the card may give credit for returns and adjustments. and they will do so by sending us a credit sV which we will post to your Visa line of credit. if your credit and payments exceed what you owe us. we will automatically post the excess credit balance to your St Shares within 75 days. it the balance is one dollar or more. upon your written request. we will rekrud the eredk balance to you. 12. FOREIGN TRANSACTIONS - The exchange rate between the transaction cxtrrarxy and the bVing cmmncy used for prociesskip International transaction is a rate selected by Visa from the range of rates aveiable in wholesale currency markets for the applal0e central processing data, which rate may vary from the rate Visa itself realves, ors aft In effect for the applicable central processing dais in each rtstanak an ao stmerd may be assessed based on the ISA be imposed by Vim This lea, which btak 1X of the barsacgon amount. will be assessed on all transactional where the mendhamt country dlfars from the country of the card issuer. tl&: ] MUTED TRAN331 _-- A you dapum or 8M an sm milth a Visa ATM CARD CARDHOLDER AGREEMENT - The undersigned (you or your), in aorhsiderafion of THE PENNSYLVANIA STATE EMPLOYEES CREDIT UNION (we, our and us) issuing to you an ATM CARD. hereby agree to be legally bound by the following terms and conditions. You agree that the use of your ATM card(s) constitutes acceptance of the terms and conditions of this Agreement. You understand that ATM is a credit-related service and you authorize PSECU to obtain a credit report on any users of this account. 1. ACCOUNTS AND USES OF ATM CARD -You have the account(s) (including Checking and Regular Shares), which we set forth on your application form with this Agreement. Ybu hereby request that we issue to you one or more ATM CARD(s) to be used In connection with such accounts as described in this Agreement. You understand you may use the ATM CARD at a STAR SYSTEMS® ATM to (1) withdraw cash from, (2) make or arrange for deposits In, (3) effect transfers to or from your account, (d) receive information regarding the balance in your account(s) or (5) make cash advances from your credit account(s) hn the amounts you request You may also use automated teller machines throughout the United States and In certain foreign countries which bear the PLUS SYSTEhW name and logo (1) to make withdrawals from. (2) effect transfers to or from. (3) receive information regarding the balances in your Checking or Regular shares. If you have a Personal Service Loan approved and In place, you may also make a cash advance from your PSL. You hither understand you may use the ATM CARD to purchase goods and services CPuurchase') at any retail establishment ('Merchant) where ATM CARDs are accepted by such Merchant. If you use the ATM CARD to make a Purchase to obtain rash, if permitted by the Merchant, you shall be requesting us to withdraw funds in the amount of such Purchase (rrdudrig any cash received from the Merchant) from your Checking Shares and directing or ordering us to pay such funds to the Merchant. You request that we will provide to you such other services or access to other ATM systems or networks using the ATM CARD which we may later make available and which we advise you are offered in connection with your account(s) set forth on your application form. You also understand that from time to time you may request in writing that we provide access to additional accounts of yours through the ATM CARD we have issued to you. You agree that the uses of the ATM CARD described transaction, and have vied in good faith to correct the problem with the merchant or the charges are the result of unauthorized or fraudulent use, or your purchase cost more than S50 and was made from a plan merchant in your state within 100 miles of your tome, contact PSECU. You are required to notity PSECU in writing within 60 days following the date on which we sent your statement wherein the error or problem first appeared regarding any discrepancy or unauthorized transaction on your accounL Telephoning PSECU does not preserve your dispute rights. You may be required to provide us with documentation to support your dispute claims. In addition, you may be required to complete a standard dispute form outlining the detalls of your dispute. In cases of fraudulent card use, PSECU will also require a notarized affidavit. In some cases we may ask you to notity the local authorities. It we do not receive the proper requested documentation in the time specified you may be hold responsible for the transaction(s) in question. PSECU must adhere to strict dispute gmeframes set forth by Visa. 1.t. SECURITY INTEREST -To secure your aocamt you grant us a purchase money security Interest under the Uniform Commensal Code in any goods you purchase through the account. 9 you default, we will have the right to recover any of these goods which we have rot been paid for through our application of your payments in the manner desabed In the Monthly Paymenl section. With respect to this account 0* we will not assert any statutory right we may have d you are in default to prevent withdrawal of your onpledged credit union shares (Deposits) below the unpaid balance of your account. However, d you gore or have given us a specific pledge of your credit union shares (Deposits) by signing the Pledge of Shares or otherwise. or any other security interests for all your debts. your accourd will be secured by your pledged shares (Deposits) and by the property described in those other security agreements, except for your home. 15. EFFECT OF AGREEMENT - This Agreement is the contract which applies to all transactions on your account even though the sales, cash advance, credit or other slips you sign or receive may contain different terns. We may amend the Agreement from time to time by sending you the advance written notice required by law. Your use of the card thereafter wig Indicate your agreement to the amendments. To fie extent the law permits, and we Indicate in our notice, amendments will apply to your existing account balance as well as to future transactions. 16. LATE PAYMENT CHARGE - If your Minimum Payment Is not received by the first day of the month following your due date, you will be subject to a $20 charge. IT. RUSH FEES -You may Incur additional charges for rush processing and rush delivery of cards andfor PIN mailer. 18 OVER LIMIT FEE -A $220 tee Will be applied for each mordhly statement dosing dais on which tie outstanding balance exceeds the assigned credit limp by more than $100. 19. DRAFT COPIES - You may Incur an additional charge for transaction surnmary/sale draft documentation. 20. COPY RECEIVED -You acknowledge receipt of a copy of this Agreement. 21. ILLEGAL TRANSACTIONS PROHIBITED - You agree that you will not use your card for any transaction that Is Illegal under applicable federal, state, or local law. 22. NO USE - Inactive Vise accounts that have no purchase or cash activity may be closed without notice to you after 18 months of no activity. 23. NEURAL NETWORK - PSECU uses neural network systems to predict and prevent ur a t ortzed: transactions. There may be occasions when a transaction Is 'Llac* ed Decalm I Wi ndfcatlve of,poss" fraudulent acgvltyx in this Agreement shad be subject to the rules and regulations of each account which is accessed by such Card. 2. USE OF PERSONAL IDENTIFICATION NUMBER (-PIN') WITH ATM CARD You understand that a STAR SYSTEMS or a PLUS SYSTEM ATM Is an automated teller. it can and will perform many of the same tasks as a human teller. You acknowledge that the Personal Identification Number or PIN which you use with the ATM CARD Is your signature, Identifies the bearer of the Card to the STAR SYSTEMS ATM, PLUS SYSTEM ATM, or other network ATM and authenticates and validates the directions given just as your actual signature and other proof identify you and authenticate and validate your directions to a human letter- You also understand that a Merchant which accepts the ATM CARD for a Purchase transaction may have an electronic terminal (Merchant operated or Self-Service) which requires the use of your PIN and when your PIN is used at a Merchant's terminal, it will authenticate and validate the directions given just as your actual signature will authenticate and validate your directions given to us. You acknowledge that your PIN Is an identification code that is personal and confidential and that the use of the PIN with the ATM CARD is a security devise for your account(s). Therefore, YOU AGREE TO TAKE ALL REASONABLE PRECAUTIONS THAT NO ONE ELSE LEARNS YOUR PIN. 3. LIABILITY FOR UNAUTHORIZED TRANSACTIONS -You agree to contact us at once it you believe the ATM CARD(s) issued to you or PIN has been lost or stolen or money is missing from your account(s). You also agree that it your monthly statement stows transactions which you did not make, and you do not contact us within 60 days after the statement was mailed to you, you may not get any money lost after that time. YOU AGREE THAT IF YOU GIVE YOUR ATM CARD(s) and PIN TO SOMEONE ELSE TO USE YOU ARE AUTHORIZING THEM TO ACT ON YOUR BEHALF AND YOU WILL BE RESPONSIBLE FOR ANY USE OF THE CARD(s) BY THEM-You could lose all your money in the account(s) if you take no action to notify PSECU of the foss of your ATM CARD or PIN. Safeguard your Personal Identification Number (PIN). Do not leg or disclose your PIN to any other person. Do not write your PIN on your ATM CARD. Do not keep a written record of your PIN near your ATM CARD. Do not choose a PIN that is easily identifiable. Electronic Funds Trangfer ATM Agreement and Reoufation "E" Disclosure (cronUnuerq A new card may be ordered for you at that time and a 'hold' will be placed on your old card. After such time, if you find your okf card, destroy the o$d card by outing it in halt. H you attempt to use your old card. it will not work 4. CHARGES - You agree to pay a 50 cent charge for each deposit or withdrawal exceeding 15 a month. You agree to pay the 50 cent penalty charge on any cash disbursement transaction (loan advance or share withdrawal) that is less than $20. You agree to pay a 25 cent charge on each balance inquiry. You may incur a charge for any adjustment that needs to be made to your account resulting from an error you made while making a deposit at an Automated Tetley machine (ATM). You agree to pay the charges or transaction fees which are charged by us for these services or for services which may later be offered as such fees or charges may be imposed or changed from time to tune. 5. DEPOSITS - You agree that when you make a deposit at a STAR SYSTEMS ATM that we have the right to verify the deposit before we make the money available to you. It you deliver cash, checks or other items to a STAR SYSTEMS ATM, you understand and advtowledge that the funds nom your deposit may not be available for immed ime withdrawal and that the availability of your deposit shall depend on our rules and regulations regarding the particular account in which you are making a deposit, line bens that you are depo3fdrtg and whether the deposit Is made at a STAR SYSTEMS ATM /hat Is owned by us or another financial Inatitutlon You also undeistsrxt and advtowledge that not all STAR SYSTEMS ATMS may accept deposits and some STAR SYSTEMS ATMS may Hndt the amount of funds which may be deposited and # at we may not control these limits. IL L1ASU ITY - It the ATM CARD Is Issued for a pint account, you agree to be jointly and severally fiahb under the terms of this Agreement end the agreement for such account. You agree that It you make deposits or payments to your i oxxwnt(s) with items other than cash (checks. draft or other items) and we make funds a%vUble to you from such deposits prior to their copection, you agree that we may deduct One amounts of such funds from your accent(s) which are not collected or. H the funds In your account(s) are Insufficient at such time. you will promptly pay to us any amount of such hands which are riot coliected 7. AMENDMENT OF THIS AGREEMENT -Yes agree that horn time to time we may intend of change the terrte of Oft agreement Including amendments or changes to add further ATM CARD services or to amend or change the charges for these services. We may do so by nod" you in willing of such amendments or changes and your use of the ATM CARD afar the effective dale of any such amendment or cl nge shag constitute your acceptance of and agreement to such amendment or change. fI OWNERSHIP - You agree that the ATM CARD Is our property and you will surrender it to us upon our request. You agree that the ATM CARD Is non- transferable. 9. DISCLOSURES -You hereby acknowledge receipt of the disclosure statement Informing you of your nights under the Electronic Funds Transfer Act and a copy of Otis Agreement. REGULATION "E" DISCLOSURE 1. ELECTRONIC CHECK CONVERSIOWELECTROHIC RETURNED CHECK FEES - H you pay for something with a check or share draft, you may authorize It to be converted to an electronilo hind transter. You may also authorize merchants to electronically debit yaw account for returned check fees. You are considered to have authorized these electronic funds transfers it you complete the transaction after being told (orally or by a notice pirated or seat to you) that the transfer may be processed electronically or if you sign a written authodzaWn. , 2. SUMMARY OF CONSUMER LIABILITY - • ATM, ACH and SST - Tel us at once if you believe your card has been lost or stolen. Telephoning is the best way to keep your possible losses down. You could lose an the money lo your account plus your maximum overdraft One of credit. N you believe your card has been lost of stolen, and you lab us within two business days after you learn of the loss or theft, you can lose no more than SW if someone used your card without your permission. If you do not tell us within two business days after you learn of the foss or theft of your card, and we can prove we could have stopped someone from using your card without your permission if you had toll us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may riot get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us In time. If a good reason such as a long trip or a hospital stay kept you from telling us, we will extend the time periods. 3. TELEPHONE NUMBER AND ADDRESS TO NOTIFY OF UNAUTHORIZED TRANSFERS - • ATM - Contact PSECU at (800) 237-7328 EXT 3808 (nationwide) or (717) 2348484 (in Harrisburg). After tours, follow the manu options on PSECU's voice mail system to report a lost or stolen card. For Visa Credit or Debit i Cards, follow the directions for Loss Card Notification under the Visa Credit I Card Agreement and Truth-in-Lending, Disclosures section of this document • ACH and SST - Contact PSECU at (800) 237-7328 (nationwide) or (717) 234-8134 (n Harrisburg) Or write to us at Pennsylvania State Employees Credit Union P.O. Box 67013 Harrisburg, PA 17106-7013 PSECU Business Hours: 8:00 a-m. - 5:00 p.m. M - F TOD (800) 472-1967 Nationwide (717) 777-2100 in Harrisburg 4. FINANCIAL INSTITUTION'S BUSINESS DAYS - • ATM, ACH and SST - PSECU's Business Days are Monday through Friday, Holidays not included. 5. TYPES OF ELECTRONIC TRANSFERS A CONSUMER MAY MAKE - • ATM - Balance inquiries on checking, savings and PSL; withdrawals from checking/savings; cash advance from PSL; deposits to checidngrsevirW. purchase goods and services at any accepting retail estaWisfxnent. • ACH - Preaullioraed debits and credits to checking and savings. • SST - Balance inquiries and transaction histories on all share, certificate and ban accounts; transfers from any share to another share or ban account horn your PSI_ to any share or loan account withdrawals from any share except IRA stores or certificates. 6. ANY CHARGES FOR ELECTRONIC FUNDS TRANSFERS OR FOR THE RIGHT TO MAKE TRANSFERS - • ATM - Fifty cards for each dsbursernew (cash advance or withdrawal) Was than $20; fifty cents for each transaction over 15 per rnonttr. 25 cent for each balance inquiry; and Owe may be an additional charge for any adfustmont that needs to be made to the account of any member who makes an error while depositing at an Automated Teller machine (ATM). • ACH - $30 service charge for Insufficient huxts for each electronic transfer. • SST - none 7. SUMMARY OF CONSUMER'S RIGHT TO RECEIVE DOCUMENTATION OF 15Ff'S - • ATM - You are entitled to receive a primed receipt at the, time of each UansadiomYou will receive a monthly statement showing the statua.ut`your account; any transactions made during the month, and arty penalties or charges PSECU may Impose during fine montth. • ACH and SST - Ybu wig recelve a monfhy statement showing nine, status of your account. ary transactions made darling the month; and any penalties or charges PSECU may "oes during the month. • N you have arranged to have a dyed deposit made to your account at least once every 60 days from the same person or company, you can call us at (800) 237-7328 to find out whether or not the deposit has been made. 8. STOP PAYMENT RIGHTS - PRE-AUTHORIZED TRANSFERS - • ATM and SST - Not applicable. • ACH - Right to Stop Payment and Procedures for doing so. H you have told us in advance to make regular payments out of your accoum, you can atop any of these payments. Here's how: Cell us at (800) 237-7328 (Nationwide) or (717) 234-8484 (Harrisburg) or writs us at Pennsylvania State Employees Credit Union. P.O. Biz 67013, Hapsburg, PA 171W7013, in time for its to receive your request three buskhass days or more before the payment Is scheduled to be made. It you call, we may also require you to put your request in w6fi ng and get it to us within 14 days otter you call. • Nonce of VbrybV Amount. H these regular payments may vary in amount, the person ym are going to pay wig tell you. 10 days before each payment, when it will be made and how much it wig be. You may choose Instead to get this notice. onlywhen the payment would differ by more than a certain amours from the previous payment or when the amount world fag outside certain loft that you set. • LJablilty for Failure to Stop Paymenf of Preauthortzed 71-ansfera. H you order us to stop one of these payments three business days or more before the transter )s scheduled. and we do not do so. we will be gable for your josses or damages, unless we request and do not receive written commrrmaUon of an oral stop payment within 14 days and the transfer fakes place after 14 days, or you tag to give us proper instructions that would enable us to place the stop on the transfer. S. SUMMARY OF THE FINANCIAL INSTti-UTION'S FAILURE TO MAKE OR STOP CERTAIN TRANSFERS - • ATM - II PSECU tells to complete a transaction on time or in the correct arnouctt, when properly Instructed by you, PSECU will be liable for damages caused by our (allure unless (1) there are insufficient funds in your account to complete the transfer, (2) the finds in your account are uncollected; (3) the funds are subject to legal process; (4) the transaction you request would exceed the funds In your account plus any available overdraft protection: (5) the STAR Systems, PLUS system has insufficient cash to complete the transaction; (6) your card has been reported lost or stolen and you are using the reported card; (7) PSECU has reason to believe that the transaction requested is unauttwrized: (8) the failure is due to an equipmerd breakdown that you imm about when you started the transaction at the STAR Systems, PLUS System; (9) the failure was caused by an ad of God. fire, or other catastrophe, or by any other cacse beyond control: (10) it you attempt to complete a transaction that, at a STAR Systems, PLUS System, or merchant terminal that is not a Electronic Funds Transfer ATM Agreement &1d Regulation 1Z pisc(o£" (continued) permissible transaction fisted above: or, (11) the transaction would exceed the security timtations on the use of your ATM CARD. • ACH and SST - If PSECU fags to complete a transaction on time or in the correct amount, when properly instructed by you, PSECU will be liable for damages caused by our failure unless= (1) there are insufficient funds in your account to complete the transfer; (2) the funds In your account are urycollected; (3) the furls are subject to legal process: (4) the transaction you m4uest would exceed the funds in your accent plus any available overdraft credit; (5) PSECU has reason to believe that the transaction requested is tnauCorize& (6) the failure was caused by an act of God. fire, or other catastrophe, or by another cause beyond control. In any case, PSECU shall be gable only for actual proven and not consequential damages it the failure to snake the transaction resulted from a bona fide error despite PSECU's procedures to avoid such errors. 10.OISCLOSURE TO THIRD PARTIES - • ATM, ACH and SST - PSECU will disclose information about your account to third parties: (1) when It is necessary to complete transactions; (2) to verify On existence and standing of your account with PSECU upon request of third party, such as a credit bureau; (3) to comply with government agency or court orders; (4) in accordance with your written permission; (5) to comply with government or adnlbtlstrative agency summonses. subpoenas. or court orders; (6) on receipt of certltcation from a Federal Agency or department that a request for information is In compliance with the Right to Financial Privacy Act of 1978; Regulation P. Privacy of Consumer Financial Information: and (7) when it is necessary to take legal action to recover shares. 11. STAR SYSTEMS SERVICES - • ATM Only -lrbu may use your ATM CARD with your Personal Identification Number (PIN) at STAR SYSTEMS located in Delaware, Maryland, New Jersey and Pennsylvania to conduct any of the following transactions for the accounts accessed by your ATM CARD. a) Determine the account balance(s) of your Checking your Regular Shares, and your Personal Service Loan (PSL). b) Withdraw cash from your Checking and your Regular Shares. c) Make a cash advance from your Personal Service Loan (PSL). d) Deposit currency, dtedm, or drafts (cola are not acceptable) for transmMlon b PSECU for deposit in your Checking and your Regular Shares. NOTE: There are tinged locations In Maryland where deposits may be made. We wish to inform you that some ATMs located In these areas may only provide access to your Checking, your Regular Shares, and your Personal Service Loan. Not all ATMs may accept deposits. There may also be limits on the amount of funds which you may deposit In certain ATMs. 12. PLUS SYSTEM' SERVICES - • ATM Only - You may use your ATM CARD with your Personal Identification Number (PIN) at argr PLUS SYSTEM automated teller machine (PLUS SYSTEM ATM) located throughout the United States. Puerto Rico. Canedn, Great Britain and Japan to conduct any of the following transactions on the accounts accessed by your ATM CARD. a) Determine the account balance(s) of your Checking, your Regular Shares, and your Personal Service Loan (PSL). b) Withdraw cash from your Checking and your Regular Shares. , c) Make a cash advance from your Personal Service Loan (PSL). NOTE: Deposits are not available through PLUS SYSTEM ATMs. These are the STAR SYSTEMS services currently available through the PLUS SYSTEM network. Other services may be offered In the future. 13. OTHER ATM NETWORK ACCESS - • ATM Only - From time to time, PSECU may make arrangements with other ATM networks to grant access to ATM CARDs. PSECU shall inform you when such arrangements are made and describe the services that are available to f you. Any charges will also be described. 14. PURCHASE TRANSACTIONS - • ATM Only - You may use the ATM CARD to purchase goods and services ('Purchase') at any retail establishment ('Merchant) where ATM CARDS are accepted by such Merchant The amount of alt such Purchases will be deducted from your Checking. when you make a Purchase using the ATM CARD, you will be requesting PSECU to withdraw funds from your Checking In the amount of the Purdlsse and directing PSECU to pay these funds to such Merchant 15. LIMITATIONS ON THE USE OF YOUR ATM CARD - • ATM Only - You may wiMdraw up to 5500 per day from one or a combination of your accounts by using a ATM CARD provided the funds are available at a STAR SYSTEMS or PLUS SYSTEM ATM. In addition, you may wifhdrawlpurchase up to 5500 at point of sale locations. PSECU reserves the right IJ reduce this Caily limit at any time. In the event that your daily fimit is less than 5500, PSECU will advise you of the new limitation. The day for withdrawal limits starts at 12 midnight each day and ends at 12 midnight the next day. For security purposes, there are also certain daily limitations on the frequency of use of the ATM CARD. However, these limitations are not revealed for security reasons. The Pennsylvania Stale Employees Credit Union is not obfiged to maintain such limitations. You will be denied use of your ATM CARD if you exceed the daily withdrawal1purchase limit, if you do not have adequate funds available in) our account, do not enter the correct Personal Identification Number (PIN), or exceed the frequency of usage limitation. The receipt provided by the STAR SYSTEMS or PLUS SYSTEM ATM or Merchant terminal wig notify you of the denial. Thee is a knit on the number of such denials permitted. Attempts to exceed the limit will result in machine retention of our ATM CARD The number of attempts that result in machine retention is not revealed for security purposes. 16. ERROR RESOLUTION PROCEDURES - • ATM, ACH and SST - In case of errors or questions about your transactions: Direct Inquiries to PSECU at (600) 237-7328 Nationwide, Too (800) 472- 1967 Nationwide, (717) 777-2100 in Harrisburg, or write PSECU at Pennsylvania State Employees Credit Union, P.O. Box 67013, Harrisburg, PA 17106-7013, as soon as you can it you think your statement or receipt is wrong, or If you need more information about a trartsachon listed on the statement or retest PSECU must hear from you no later than 60 days after it sam you the first statement on which the problem or error appeared. You must provide the following information: (a) Your name, account number, and ATM CARD number (if a ATM transaction), or reference number (if Sell- Service Telephone Transaction); (b) Describe the. error or the transaction you are unsure about. and explain as dearly as you can why you believe it is an error or why you need the Information, and; (c) The dollar amount of the suspected error. H you leg PSECU orally, you must send your complaint or question In writing within 10 business days. PSECU will log you the results of the investigation within 10 business days for STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE TELEPHONE, or DIRECT DEBIT/CREDR TRANSACTIONS, or 20 days br STAR SYSTEMS purchase transactions. If we need more time, however, we may take. up to 45 days` for STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE TELEPHONE, or DIRECT DEIUT/CREDIT TRANSACTIONS or 90 days for STAR SYSTEMS purchase transaction& It PSECU decides to do this, it will recredit yarn account within 10 business days lor the amount you thick is in error if I Is a STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE TELEPHONE, or DIRECT DEBiTICREDIT transaction, or 20 business days if it is a STAR SYSTEMS purchase transaction. You wW have the use of the money during the time ft takes to complete the Investigation. If PSECU does not receive your complaint or question In writing within 10 business days. PSECU may not recredlt your account If PSECU decides there is no error, you will be advised within three business days after the Investigation Is completed. You may ask for copies of the documents PSECU used in the investigation. If PSECU credits your account while ilvestigatIN. you must repay those funds If PSECU mndudes no error Etas occurred. 17, ATM SURCHARGE -1f you use an ATM that is not operated by us, you may be charged. a be by the ATM operator and by any national, regional or local network used lri:processing ft transaction (and you may be charged a fee for a balance inquiry even If you do not complete a fund transfer). The ATM surcharge will be debited froth your account If you elect to complete the transaction. Notice To Cortsumers Using ATM's • Be alert to your suurotmdings. If you doubt the safety of a particular location, chose. another ATM. • ft the ATM has an entry door, close the door prior to Initiating your transaction. • Put your cash away immediately. • Direct complaints concerning ATM security to an appropriate department of the owner of the ATM. New Jersey residents: you may call the New Jersey Department of Banking at (609) 292-7272. For those members who purchase a vehicle under the DRIV Program, please review the following FTC Notice: NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINSTTHE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. O at Y ? ? ?'y TJ 'Q + p Q a P E C i 3 C v `? ;'3 O g s oa,,..a •. • £Y e .5` w 4? 3 c S ppFi 1 7 O ? ; ?? ? O ? O r • "4 0'4 y ^3 L 2 i j E -a V j 90 s _a s c b G 4 Y.f.+ v 4 3? s4. ?JNsE R'T YU" Y G.D • 23 ? o ? fir' i ` £? g?-S o ? b 3O't Y ? : Q a IWI I 2-1 _ 9 to x .p $ .? 64 it's 94 21 All J v_41 V ?C4t S b ? gas?o a b^° E Y g V i M D -5 p e Y -„ s • 'o E .$ a O Jp1 E ? l C t?? $ t,C p ?'? ? 4 s ^ q ?O d ? T "? 4 O P 4 0 ? i 7 G E ? >pF c? o o? iP o ?+??C` D fa r. Y;- o c o 4^ .? 8 g'0 t r? -cc ?i ie ? i<< °'s kV 0 t ? S .o ,L `P bL w? ?' °" o c? 0 0 0 0 Z L c ? 9 E ? '? 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MME c z; InV Vco0 - °c `w• C C° 4-T -•ONi- L °-S V O- L ?'oo0Ety? ? 3d?c 0 e [ ?adA € o p?h c 5 c'" OOO?nnd coo wr r`v O.v'wmcOaO dN^MMo Nr?PMOv cN eo, $ ; 0000(140, r1r.OaDOcn •ON aovvv vvnamn aDco%=r, - C r g Z- .s u c oc o°oo°vMiudi. vMivoiovvv OcP»MMCvi nn-0c-?N rc?ic?vc^vNr ate; O?Eg?c>>?+ ug??Ec o> 000000 000000 000000 000000 000000 i "3 u0= 30p « c E j a ?rr o o O E 8Ou++ °y OU o a.^p C -N t-)v,nd r-cOO O^N c"IV?n'01' O O.O?-NMY 'n'o na0 PO U ?• f v?- 3 r-E 0 ° o'ff' i ° cr Er ---- ----- -NNNNN NNNNNM Y 1 O 4 W EXHIBIT "B" SHERIFF'S RETURN - NOT FOUND CASE NO: 2007-05491 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND PA STATE EMPLOYEES CREDIT UNIO VS SANDER ALEXANDER 0 R. Thomas Kline Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT SANDER ALEXANDER 0 but was unable to locate Him in his bailiwick. He therefore returns the /'1 Afi"T T TXTT I TT/lT'f /TT7 the within named DEFENDANT 209 SOUTH 2ND STREET NOT FOUND , as to SANDER ALEXANDER O LEMOYNE, PA 17043 DEFENDANT IS SUPPOSED TO BE LIVING IN NEW CUMBERLAND - YORK COUNTY. Sheriff's Costs: So answers _ r?>r Docketing 18.00 Service 14.40 Not Found 5.00 R. Thoma line Surcharge 10.00 Sheriff of Cumberland County .00 47.40 VAN ECK & VAN ECK 09/25/2007 Sworn and Subscribed to before me this day of A. D. EXHIBIT "C" ?i ? D HENRY W. VAN ECK VAN ECK & VAN ECK, P.C. hwv@vanecklaw.net ATTORNEYS AT LAW P. O. BOX 6662 TELEPHONE: (717) 540-5406 MELISSA L. VAN Ecx FAX: (717) 540-5407 rnlv@vanecklaw.net 7810 ALLENTOWN BLVD., SUITE B HARRISBURG, PA 17112 September 28, 2007 POSTMASTER Lemoyne Branch Lemoyne, PA 17043 REQUEST FOR INFORMATION IS NEEDED FOR PHYSICAL ADDRESS OF BOXHOLDER FOR SERVICE OF LEGAL PROCESS Please furnish the physical street or new address (if a boxholder) for the following: (All former addresses are given). Alexander O. Sander 209 South 2"d Street Lemoyne, PA 17043 Note: The name and address are required for service of legal process. The name, if known, and post office box addresses are required for boxholder information. The following information is provided in accordance with 39CFR 265.6(d)(6xii). There is no fee for providing boxholder information. The fee for providing change of address information is waived in accordance with 39 CFR 265.6 (d)(1) and (2) and corresponding Administrative Support Manual 253.44 a and b. Capacity of requester (e.g. process server, attorney, party representing himself): ATTORNEY 2. Statute or regulation that empower me to serve process (not required when requester is an attorney for a party acting -pro-se - except a corporation action pro se must cite statute: 65 P.S. 66.1 et seq, Freedom of Information Act 3. The names of all known parties to the litigation: Pennsylvania State Employees Credit Union v. Christine A. Rowe 4. The Court in which the case has been or will be heard: Court of Common Pleas for Cumberland County The docket or other identifying number, if one has been issued: 2007-07-5491-Civil Term 6. The capacity in which this individual is to be served (e.g. defendant or witness): Defendant VAN ECK & VAN ECK, P.C. ATTORNEYS AT LAW WARNING The submission of false information to obtain and use change of address information or boxholder information for any purpose other than the service of legal process in connection with actual or prospective litigation could result in criminal penalties including a fine of us to $10,000 or imprisonment or (2) to avoid payment of the fee for change of address information of not more than 5 (five) years, or both (TITLE 19 U.S.C. SECTION 1001). I certify that the above information is true and that the address information is needed and will be used solely for service of legal process in connection with the actual or prospective litigation. Ido V" lidgN Melissa L. Van Eck, Esquire P.O. Box 6662 Harrisburg, PA 17112 FOR POST OFFICE USE ONLY STREET ADDRESS OF BOXHOLDER NAME: Alexander O. Sander STREET ADDRESS: No Street address available No change of address order on file. Not known at address given. Moved, left no forwarding address. No such address. ' MLV/mrh pA 17D4Pp o? EXHIBIT "D" //J SummaryReport Page 1 of 3 Important: The Public Records and commercially available data sources used on reports have errors. Data is sometimes entered poorly, proce ssed incorrectly and is generally not free from defect. This system should not be relied upon as definitively accurate. Before relying on any data this system supplies, it should be independently verified. For Secretary of State documents, the following data is for information purposes only and is not an official record. Certified copies may be obtained from that individual state's Department of State. Accurint does not constitute a "consumer report" as that term is defined in the federal Fair Credit Reporting Act, 15 USC 1681 et seq. (FCRA). Accordingly, Accurint may not be used in whole or in part as a factor in determining eligibility for credit, insurance, employment or another permissible purpose under the FCRA. Your DPPA Permissible Use: Civil, Criminal, Administrative, or Arbitral Proceedings Your GLBA Permissible Use: Use by Persons Holding a Legal or Beneficial Interest Relating to the Consumer Summary Report Date: 07/01/10 Reference Code: 46931-246 Subject Information (Best Information for Subject) Name: ALEXANDER OBRIE SANDERS SR Date of Birth: 6/xx/1986 Age: 24 SSN: 577-13-xxxx issued in District of Columbia between 11111986 and 12/31/1987 AKAs (Names Associated with Subject) ALEXANDER O SANDERS DOB:6/xx/1986 Age: 24 SSN: ALEXANDER SANDERS SSN: 577-13-xxxx ALEXANDER O SANDERS DOB:6/xx/1986 Age:24 SSN: ALEXANDER SANDERS DOB: 6/xx/1986 Age: 24 SSN: ALEXANDE SANDERS SSN: 577-13-)o= ALEXANDER OBRIE SANDERS SSN: 577-13-xxxx ALEXANDER O SANDERS SSN: 577-17-xxxx Address Summary (11 -Probable Current Address) Indicators Bankruptcy: No 577-13-xxxx Property: No Corporate Affiliations: No 577-13-xxxx 175-82-xxxx https:Hsecure.accurint.com/app/bps/report 7/1/2010 Summary Report Page 2 of 3 rNeighborhood ST, NEW CUMBERLAND PA 17070-2291, CUMBERLAND COUNTY (Sep 2008 -Jun 2010) Profile (2000 Census) Age:36 Median Household Income: $44,063 Median Home Value: $92,900 Average Years of Education: 13 413 3RD ST APT, NEW CUMBERLND PA 17070-2291, CUMBER LA 11NTY,(Apr_2008 - May 2010) Neighborhood Profile (2000 Census) Average Ag#N36 Median ncome: $44,063 Median Home Value: $92,900 Average Years of Education: 13 623 N 2ND ST, LEMOYNE PA 17043-1003, CUMBERLAND COUNTY (Aug 06 - Jan 2010) Neighborhood Profile (2000 Census) Average Age:36 Median Household Income: $34,013 Median Home a e: $86,800 Average Years of LND PA 17070-2288, CUMBERLAND COUNTY (Mar 2008 - Dec 2009) Neighborhood Profile (2000 Census) Average Age:36 Median Household Income: $44,063 Median Home Value: $92,900 Average Years of Education: 13 PO BOX 200, CAMP HILL PA 17001-0200, CUMBERLAND COUNTY (Oct 2009) Neighborhood Profile (2000 Census) Average Age:41 Median Household Income: $37,500 Median Home Value: $109,400 Average Years of Education: 13 418 3RD ST APT A, NEW CUMBERLND PA 17070-2288, CUMBERLAND COUNTY (Sep 2009) Neighborhood Profile (2000 Census) Average Age:36 Median Household Income: $44,063 Median Home Value: $92,900 Average Years of Education: 13 501 MALL RD APT, HARRISBURG PA 17111-1202, DAUPHIN COUNTY (Jul 2009) Neighborhood Profile (2000 Census) Average Age:37 Median Household Income: $22,969 Median Home Value: $84,600 Average Years of Education: 11 3400 CONCORD RD APT, YORK PA 17402-9007, YORK COUNTY (Apr 2009) Neighborhood Profile (2000 Census) Average Age:41 Median Household Income: $19,148 Median Home Value: $312,500 Average Years of Education: 11 302 S FRONT ST, LEMOYNE PA 17043-1338, CUMBERLAND COUNTY (Sep 2007 - Dec 2008) Phone at address: 717-975-9411 WOOF APPRAISAL GROUP 717-761-4830 RENTZ BARBARA Neighborhood Profile (2000 Census) Average Age:36 Median Household Income: $34,013 Median Home Value: $86,800 Average Years of Education: 13 209 S 2ND ST, LEMOYNE PA 17043-1316, CUMBERLAND COUNTY Apr 2 7 - May 2008) Neighborhood Profile (2000 Census) Average Age:36 Median Household Income: $34,013 Median Home Val 5.186,800 Average Years of Education: 13 713 CUMBERLAND POINTE CIR, MECHANICSBURG PA 17055-5493, CUMBERLAND COUNTY (Jul 2007 - Mar 2008) Neighborhood Profile (2000 Census) Average Age:39 Median Household Income: $42,214 Median Home Value: $124,500 Average Years of Education: 14 2D9 S 2ND ST, WORMLEYSBURG PA 17043-1316, CUMBERLAND COUNTY (Jan 2007 - Dec 2007) [No Data Available] 8 POPLAR ST, LEMOYNE PA 17043-1354, CUMBERLAND COUNTY (Jun 2007 - Oct 2007) Neighborhood Profile (2000 Census) Average Age:36 Median Household Income: $34,013 Median Home Value: $86,800 Average Years of Education: 13 3031 GUINEVERES DR APT B1, HARRISBURG PA 17110-3514, DAUPHIN COUNTY (Mar 2005 - Aug 2007) Neighborhood Profile (2000 Census) Average Age:38 Median Household Income: $52,737 Median Home Value: $112,700 Average Years of Education: 14 12B RICHLAND LN APT 206, CAMP HILL PA 17011-2457, CUMBERLAND COUNTY (Apr 2006 - Oct 2006) Neighborhood Profile (2000 Census) Average Age:41 Median Household Income: $37,500 Median Home Value: $109,400 Average Years of Education: 13 12B RICHLAND LN APT T8, CAMP HILL PA 17011-2456, CUMBERLAND COUNTY (Aug 2002 - May 2006) Neighborhood Profile (2000 Census) Average Age:41 Median Household Income: $37,500 Median Home Value: $109,400 Average Years of Education: 13 1 3031 GUINEVEERS DR APT B, HARRISBURG PA 17110, DAUPHIN COUNTY (Jan 2006) PC-) https://secure.accurint.com/app/bps/report 7/1/2010 Summary Report Page 3 of 3 Neighborhood Profile (2000 Census) Average Age:38 Median Household Income: $52,737 Median Home Value: $112,700 Average Years of Education: 14 699 CUMBERLAND POINTE CIR, MECHANICSBURG PA 17055-5492, CUMBERLAND COUNTY (Jul 2004 - Jan 2006) Phone at address: 717-458-5580 DRABO AUDREA Neighborhood Profile (2000 Census) Average Age:39 Median Household Income: $42,214 Median Home Value: $124,500 Average Years of Education: 14 3031 GUINEVERES DR, SUSQUEHANNA PA 17110-3514, DAUPHIN COUNTY (Feb 2005 - Oct 2005) [No Data Available] 699 CUMBERLAND POINTE CIR, UPPER ALLEN PA 17055-5492, CUMBERLAND COUNTY (Apr 2004 - Feb 2005) Phone at address: 717-458-5580 DRABO AUDREA [No Data Available] 12 RICHLAND LN APT A 208, CAMP HILL PA 17011-2406, CUMBERLAND COUNTY (Dec 2001 - Jun 2002) Neighborhood Profile (2000 Census) Average Age:41 Median Household Income: $37,500 Median Home Value: $109,400 Average Years of Education: 13 https://secure.accurint.com/applbps/report 7/1/2010 EXHIBIT "E" T 07/30/2010 11:05 TFA,X Jul-30. 2010 10:57AM Rearlingl7ax 0001/001 No. 1004 P. 1 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor Dt Cl anbrq ti A. QMCE OF THE SKE PF Pennsylvania State Employees Credit Union Case Number VS. Alexander O. Sander 2007-5491 SHERIFF'S RETURN OF SERVICE 07/16/2010 Ronny R_ Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Alexander O. Sander, but was unable to locate him in his bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant Alexander 0_ Sander. Request for service at 413 3rd Street, New Cumberland, PA 17070 the defendant was not found. The New Cumberland Postmaster has confirmed Alexander O. Sander is not known at 413 3rd Street, New Cumberland, PA 17070_ SHERIFF COST: $48.30 SO ANSWERS, July 16, 2010 RON ' R ANDERSON, SHERIFF !r) GO!m;ySUte StWiff, Ttfw oft. tm, EXHIBIT "F" D/ 07-5491 BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. ALEXANDER O. SANDER, Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,_ PENNSYLVANIA CIVIL ACTION - LAW F No. 07-5491 - PRAECIPE TO REINSTATE COMPLAINT TO THE PROTHONOTARY: Please reinstate the Complaint in the above-captioned action. BARLEY SNYDER LLC AtUffneys for Plaintiff Pennsylvania State Et Court I.D. No. 83774 126 E. King Street Lancaster, PA 17602 717.299.5201 Credit Union 29512481 EXHIBIT "G" 1 y 1/ SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff ?tr of ?utubpr? Jody S Smith ??? ?QU Chief Deputy Richard W Stewart Solicitor OFFICE OF THE SHERIFF Pennsylvania State Employees Credit Union Case Number vs. 2007-5491 Alexander O. Sander SHERIFF'S RETURN OF SERVICE 08/16/2010 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Alexander O. Sander, but was unable to locate him in his bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant Alexander O. Sander. Request for service at 623 N. 2nd Street, Lemoyne, PA 17043 is vacant. To date The Lemoyne Postmaster has been unable to give a good forwarding address for Alexander O. Sander. SHERIFF COST: $47.40 August 16, 2010 SO ANSWERS, RON R ANDERSON, SHERIFF ;cl CountySuite Sheriff. Teleoso8, Inc. rh ? 07-5491 OF THE PROTHONOTARY 2010 DEC -3 PSI 3: 53 CUMBERLAND COUNTY BARLEY SNYDER LLC PENNSYLVANIA Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. ALEXANDER O. SANDER, Defendant Attorneys for Plaintiff Pennsylvania State Employees Credit Union COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 07-5491 AFFIDAVIT IN SUPPORT OF PLAINTIFF'S MOTION FOR SERVICE PURSUANT TO SPECIAL ORDER OF COURT COMMONWEALTH OF PENNSYLVANIA COUNTY OF LANCASTER : SS. SHAWN M. LONG, ESQUIRE, being duly sworn according to law, deposes and says that he is the attorney of record for the Plaintiff, Pennsylvania State Employees Credit Union, and that the following is an itemization of the efforts taken by the Plaintiff to locate the Defendant, Alexander O. Sander to effect service under the provisions of the Pennsylvania Rules of Civil Procedure, without success. 1. On or about September 25, 2007, the Sheriff of Cumberland County attempted service of the Complaint upon the Defendant at 209 South 2nd Street, Lemoyne, Pennsylvania 17043. The Sheriff's return indicates "Defendant is supposed to be living in New Cumberland- York County." 3062369-1 07-5491 2. On or about September 28, 2007, Plaintiff s counsel prepared and mailed a Change of Address Request form to the Lemoyne, Pennsylvania Post Office for the address of 209 South 2nd Street, Lemoyne, Pennsylvania 17043. 3. The response to the Change of Address Request from the Lemoyne Post Office indicates "mail is delivered as addressed." 4. On July 12010, Plaintiff s Counsel performed a search on www.accurintsearch.com. The information received from the Accurint search indicates an address of 413 3rd Street, New Cumberland, Pennsylvania 17070. 5. On or about July 16, 2010, the Sheriff of Cumberland County attempted service of the Complaint upon the Defendant at 413 3rd Street, New Cumberland, Pennsylvania 17070. The Sheriff s return indicates "not found- the New Cumberland Postmaster has confirmed Alexander O. Sander is not known at 413 3rd Street, New Cumberland, Pennsylvania 17070." 6. On or about August 1, 2010, the Accurint search from July 1, 2010 was reviewed and a possible address of 623 N. 2nd Street, Lemoyne, Pennsylvania 17043 was found. 7. On or about August 16, 2010, the Sheriff of Cumberland County attempted service of the Complaint upon the Defendant at 623 N. 2nd Street, Lemoyne, Pennsylvania 17043. The Sheriff s return indicates "not found address is vacant and the Lemoyne Postmaster has been unable to give a good forwarding address for Alexander O. Sander." 8. The Plaintiff has exhausted all reasonable efforts to serve the Defendant, Alexander O. Sander. M. Long, Sworn to and su scribed before me this day of V , 2010. Notary Public COMMONWEALTH pF PENNSYLVANIA My Commission Expires: Notarial ?? Cpi??e M, pomaa, Nobry Public 3062369-1 City ? ?n??r' Lancaa ?r 17, 20 3 MyCommlasion naAp Member, Pennsylvania AsaodsNon of Notaries PENNSYLVANIA STATE EMPLOYEES CREDIT UNION. PLAINTIFF V. ALEXANDER O. SANDER, DEFENDANT IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA 07-5491 CIVIL ORDER OF COURT AND NOW, this 8th day of December, 2010, upon consideration of the Plaintiff's Motion for Service under Pa.R.C.P. 430(a) and it appearing to the Court that Plaintiff's good faith efforts to ascertain the present whereabouts of Defendant has been unsuccessful, Plaintiff's Motion is GRANTED. IT IS HEREBY ORDERED AND DIRECTED: 1. That the Plaintiff is directed to serve the Complaint upon Defendant by posting a copy of the Complaint upon the premises at 209 South 2nd Street, Lemoyne, PA 17043 and 413 3rd Street, New Cumberland, PA 17070; 2. That the Plaintiff serve the Complaint by certified and regular mail to the Defendant's last known addresses at 209 South 2nd Street, Lemoyne, PA 17043 and 413 3rd Street, New Cumberland, PA 17070; 3. That the Plaintiff effect service by publication to include the notice prescribed in Pa.R.C.P. 430, in a legal journal and newspaper of general circulation in Cumberland County, Pennsylvania; 4. All future service of legal papers, including but not limited to motions, petitions and rules be made by certified and regular mail to Defendant's last known addresses By the Court, M. L. Ebert, Jr., ?Shawn M. Long, Esquire Attorney for Plaintiff Alexander O. Sander Defendant bas _.. Val .a? C ? TT' c's 0 k? C"> Tr co w m c: MF -O rri s° On ?m D 0 0 ?c 3 ( D j C, -c r m c m m cn 0 03 0 m a c - D ' O M L v w ? ?1 N 1-9. S ? z a ? 14 - Fl v ? 0 CAA 0 zmm _ 0 na-I 0 WVC 0 r'-axi t) MMZ -4 -a Fl 010 r 'IZ(4 0 OOM 0 XAZ i+ E C7 40 ?z? O 0c 0 ? z 0 _0 io 0 ol Boa ?c 0 D rt (D d N V D = ? J V) D rtf n o unur?as F; 9 w ?00 JIM 0082 2 m CD v N? W (yt i cr .-G 1C 2411 ra 15 A" 11.41 CUMBE NSY?D ANiA TY BARLEY SNYDER LLC Keith Mooney, Esquire Court I.D. No. 74001 50 North Fifth Street P.O. Box 942 Reading, PA 19603-0942 (610) 898-7155 07-5491 Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. ALEXANDER O. SANDER, Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 07-5491 PRAECIPE TO REINSTATE COMPLAINT TO THE PROTHONOTARY: Please reinstate the Complaint in the above-captioned action. BARLEY SNYDER LLC Keith Mooney, Esquire Attorneys for Plaintiff Pennsylvania State Employees Credit Union Court I.D. No. 74001 50 North Fifth Street P.O. Box 942 Reading, PA 19603-0942 610.898.7155 Am4 s/D - 41,11 c?# YUg9 a ssao3 2951248_1 t 11-E0-OFT10E 2011 "TR -6 AN 11: 32 BARLEY SNYDER LLC Keith Mooney, Esquire Court I.D. No. 74001 50 North Fifth Street P.O. Box 942 Reading, PA 19603-0942 (610) 898-7155 CUMBERLAND COUNTY PENNSYLVANIA Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. ALEXANDER O. SANDER, Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 07-5491 VERIFICATION Kelly Cunneen, hereby verifies that on February 18, 2011 the reinstated Complaint was mailed by first. class and certified mail to 209 South 2nd St., Lemoyne, PA 17043 and 413 3rd St., New Cumberland, PA 17070, on February 22, 2011 the reinstated Complaint was posted by the Cumberland County Sheriff at 3rd St., New Cumberland, PA 17070 and on March 2, 2011 the reinstated Complaint was posted by the Cumberland County Sheriff at 209 South 2nd St., Lemoyne, PA 17043, and on March 4, 2011 Legal Notice was published in The Cumberland Law Journal and The Sentinel, in accordance with Order of Court dated December 8, 2010. Proofs of mailing, the Sheriff's Return, and Legal Notice are attached hereto and marked Exhibit "A". BARLEY SNYDER LLC Dated: April 5, 2011 By: ?j? Kelly Cunne ,Paralegal 126 East King Street Lancaster, PA 17602 717.299.5201 31825711 EXHIBIT "A TX LO, O. SANDER i 209 SOUTH 2ND ST LEMOYNE, PA 17043 SENDER: KC RfF= PSECU/ SANDER 7196 9408 9040 0099 0050 FWTU N RECEIPT SEfiACE US Postal Service i No InwMnee Cow P-Aded Do Not Use for Intemavonal 16W ------------------- ---- -- - ------------ --- This G TMs Po From: Certificate Of To Mailina -E PS Form 3817, April 2007 PSN 7530-02-000-9065 f To. ALEXANDER O. SANDER 4`13 3RD STREET NEW CUMBERLAND, PA 17070 SENDER: KC REFERENCE: PSECU/SANDER2 71% 9008 9040 0099 0074 REnM ter caa.Fee $ t3 s Retfa WPAceipt Fee . r ToW Posteas & Fees r- _ fw US Postal Service Rem for Cer 1iii No Insurance Coverage Provided Do Not Use for international Mail POSTMARK OR CIO 96? PS Form 3817, April 2007 PSN 7530-02-000-9065 ?y t': JS F>0STAGEI SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor QUO of cuah r OFFCE OF THE &4SRIFF Pennsylvania State Employees Credit Union vs. Case Number Alexander O. Sander 2007-5491 02/22/2011 05:49 PM - Noah Cline, Deputy Sheriff, who being duly sworn according to law, states that on February 22, 2011 at 1749 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Alexander O. Sander, pursuant to order of court by posting the premises located at 413 3rd Street, New Cumberland, Cumberland County, Pennsylvania 17070 with a true and correct copy according to law. NOAH CLINE, DEPUTY 03/02/2011 06:03 PM - Michael Barrick, Deputy Sheriff, who being duly sworn according to law, states that on March 2, 2011 at 1803 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Alexander O. Sander, pursuant to order of court by posting the premises located at 209 S. 2nd Street, Wormleysburg, Cumberland County, Pennsylvania 17043 with a true and correct copy according to law. 00, Z:?? 4CAE!L?BARII ICK , DEP 00'0 SHERIFF COST: $81.30 March 03, 2011 SO ANSWERS, RON R ANDERSON, SHERIFF PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND SS. Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, Viz March 4, 2011 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. (211- Lis Marie Coyne, E or SWORN TO AND SUBSCRIBED before me this 4 day of March 2011 Notary NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE BOROUGH, CUMBERLAND COUNTY My Commission Expires Apr 28, 2014 CUMBERLAND LAW JOURNAL NOTICE In the Court of Common Pleas of Cumberland County, Pennsylvania Civil Action-Law 07-5491 CIVIL PENNSYLVANIA STATE EMPLOYEES CREDIT UNION Plaintiff' VS. ALEXANDER O. SANDER Defendant NOTICE To: ALEXANDER O. SANDER You are hereby notified that on September 17, 2007, Plaintiff, Pennsylvania State Employees Credit Union, filed a Complaint endorsed with a Notice to Defend against you in the Court of Common Pleas of Cumberland County, Pennsylvania, docketed to No. 07-5491 CIVIL, which has been reinstated, wherein Plaintiff seeks to enforce its rights under its loan documents. Since your current whereabouts are unknown, the Court by Order dated December 8, 2010 ordered notice of said facts and the filing of the Complaint to be served upon you as provided by R.C.P. 430(b). You are hereby notified to plead to the above referenced Complaint on or before 20 DAYS from the date of this publication or Judgment will be entered against you. NOTICE You have been sued in Court. If you wish to defend, you must enter a written appearance personally or by attorney, and file your defenses or objections in writing with the Court. You are warned that if you fail to do so, the case may proceed without you and a Judgment may be entered against you without further notice for the relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS NO- TICE 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 INFORMA- TION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A RE- DUCED FEE OR NO FEE. Cumberland County Lawyer Referral Service 32 South Bedford Street Carlisle, PA 17013 (800) 999-9108 SHAWN M. LONG, ESQUIRE BARLEY SNYDER LLC 126 East King Street Lancaster, PA 17602 (717) 299-5201 Mar. 4 {1NO CNV1N3'3w°J l H (1Ca09 ?,S" „` D,Ignd ><le:c^J ^ HCWI){33H NW,, 19W 113S _MHVl.IN toZS-66ZILLL) '09L[ Vd `Jalseoueq a 19a11S 6ut)4 Ise3 9?i. - 0-11 830>WS A31bV8 E)Anbs3 `6uo-I -yy umeyS 8016-666-008 ELOL1 Vd `01sipe0 18911S Pio;P99.41noS ZS ao!AJaS Ie-uaIeH JOAMU-1 A moo pUep,?liun,) V 1V SNOSa3d 31819113 Ol S301AL.13S 1V931 ti3d30 /,Vyy j.V!..}1,S3?1,} Ij-i,O Bo.3aj a Yanog H11M noA 3pIA08401318V 38,AVW 301330 SIHl'H3lMb-1 V3Ei1l}p*j dV11*0F4 ?IIiICl?1 1?,'u' IlTrT ??' nay 1 ?; ?,C ?'^. ,. uollp){Ignd IOI) it) w1d .,;u,1 1 lll0lL1,)lpl5 ntllU 0.101 0(1) it Sll(rlll' ; )tjI 1:1 ,py) puF> 'lunuOS'111 0 apP ll1 1011 S1 ,)LIs/OLI ?IPLI} AOIII1t?l I .Pl1 i. NOilVWH03NIH11M f10A 341AflF1cI.Nb03013dO SIHl M013 !3 N4t3FCR-Fyogg a0 Ol O,?``13CMV1 V 3AVH lON OQLIOh d! 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PIPS ui panssi ?Iapln ;?a u,),)( set, I- ,'I_I.N'IAl I.L alpp L{anlM aauls'L88C ?agtua.)a(I patlsllgelsa SpM'pIVS,)J0jV 01PIC, pup v1un0)'aIS1LtpD jo q,?noioq agl ut U011PIII) I-) IpJaua,9 Jo.iodpds.mmil ''`1111\1A ;IS I[ILI, )pLjj "rips pupsasodop'UIOMS,xInp ciu[ag 'plpsaao4V 01PIC put A11_1110_ aul I , '[au ,uac; age 10 '114 pupal sajuL jipla21 x01 ai?Jp puplaaqulnJ i, tiiun( ) T1UVAIASau3d JO 01"IS NIOI.LVN ISnd 30 AOOHd 07-5491 13?':It 3 it ?`11"G?.?Lr IdD G4UNTv BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 Attorneys for Plaintiff (717) 299-5201 Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. ALEXANDER O. SANDER, Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 07-5491 PRAECIPE FOR JUDGMENT Enter Judgment in favor of Plaintiff, Pennsylvania State Employees Credit Union and against Defendant, Alexander O. Sander for want of an answer in the amount of $9,018.36 plus interest and costs of suit. (X) I certify that the foregoing assessment of damages is for specified amounts alleged to be due in the complaint and is calculable as a sum certain from the complaint. ( ) Pursuant to Pa. R.C.P. 237 (notice of praecipe for final judgment or decree), I certify that a copy of this praecipe has been mailed to each other party who has appeared in the action or to his/her Attorney of Record. 31909211 QytA S goo fd 0, U ,*a 5 p 3 07-5491 (X) Pursuant to Pa. R.C.P. 237. 1, I certify that written notice of the intention to file this praecipe was mailed or delivered to the party against whom judgment is to be entered and to his/her Attorney of Record, if any, after the default occurred and at least ten days prior to the date of the filing of this praecipe and a copy of the notice is attached. Date: ? 12/1 I By: BARLEY SNYDER LLC Shawn M. Long, squire Court I.D. No. 774 Attorneys for laintiff Pennsylvania State Employees Credit Union 126 East King Street Lancaster, PA 17602 (717) 299-5201 NOW, 2011, JUDGMENT IS ENTERED AS ABOVE. Prothonotary/Clerk, Civil Division By: 31909211 07-5491 BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. ALEXANDER O. SANDER, Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 07-5491 AFFIDAVIT THAT THE DEFENDANT IS NOT IN THE MILITARY SERVICE, PURSUANT TO "SOLDIERS AND SAILORS" CIVIL RELIEF ACT OF 1918, RE-ENACTED 1940 The undersigned, Shawn M. Long, Esquire, doth depose and say that Alexander O. Sander, the Defendant is not in the Military or Naval Service, based on the following facts: Age of Defendant is unknown; Present place of employment is unknown; Last known place of Residence is 209 South 2nd St Lemoyne PA 17043 and 413 3rd St., New Cumberland, PA 17070 as of the date of this affidavit. ADDITIONAL FACTS, if any. The statements set forth in this affidavit are made subject to the penalties of 18 Pa. C.S., §4904, relating to unsworn falsification to authorities. BARLEY SNYDER LLC By: awn M. Long, Esqui Attorneys for Plainti Court I.D. No. 8377 126 E. King Street Lancaster, PA 17602 717.299.5201 31909211 07-5491 BARLEY SNYDER LLC Keith Mooney, Esquire Court I.D. No. 74001 50 North Fifth Street P.O. Box 942 Reading, PA 19603-0942 (610) 898-7155 Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. ALEXANDER O. SANDER, Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 07-5491 AFFIDAVIT OF SERVICE Kelly Cunneen, Paralegal, doth depose and say that she served a true and correct copy of the 10-Day Default Notice upon Alexander O. Sander at 209 South 2nd St., Lemoyne, PA 17043 and 413 3rd St., New Cumberland, PA 17070 by first class and certified mail on April 1, 2011 at 5:00 p.m. The statements set forth in this Affidavit are made subject to the penalties of 18 Pa. C.S. §4904, relating to unsworn falsification to authorities. BARLEY SNYDER LLC Date: April 1, 2011 By: ?kl &1? I Kelly Cunn n, Paralegal 126 East King Street Lancaster, PA 17602-2893 717.299.5201 31826111 BARLEY SNYDER LLC Keith Mooney, Esquire Court I.D. No. 74001 50 North Fifth Street P.O. Box 942 Reading, PA 19603-0942 (610) 898-7155 07-5491 Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. ALEXANDER O. SANDER, Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 07-5491 To: Alexander O. Sander Date of Notice: April 1, 2011 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. 31826111 07-5491 YOU SHOULD TAKE THIS PAPER TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE FOLLOWING OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 (717) 249-3166 BARLEY SNYDER LLC By: Keith Mooney, Esquire Attorneys for Plaintiff Pennsylvania State Employees Credit Union Court I.D. No. 74001 50 North Fifth Street P.O. Box 942 Reading, PA 19603-0942 610.898.7155 31826111 BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. ALEXANDER O. SANDER, Defendant No. 07-5491 7 2 _ `: Attorneys for Plaintiff Pennsylvania State Employees Credit Union COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 07-5491 PLAINTIFF'S MOTION TO AMEND CAPTION 1. On September 17, 2007, the above-captioned matter was initiated by Pennsylvania State Employees Credit Union's ("PSECU") filing a Complaint (the "Complaint"), a true and correct copy of which is attached hereto as Exhibit "A" and incorporated herein by reference. 2. On April 13, 2011 a judgment was entered in favor of the Plaintiff and against the Defendant. 3. Plaintiff's Complaint contains a certain typographical error identifying Defendant "Alexander O. Sanders" as "Alexander O. Sander." 32229311 . • , 4. Accordingly, the instant action was erroneously and inadvertently brought in the name of, "Pennsylvania State Employees Credit Union, Plaintiff v. Alexander O. Sander, Defendant." 5. The instant action should have been brought as: "Pennsylvania State Employees Credit Union, Plaintiff v. Alexander O. Sanders, Defendant." 6. The typographical error has recently been discovered by Plaintiff. 7. Amending the caption will not prejudice the Defendant. WHEREFORE, Plaintiff respectfully requests that this Court enter an Order amending the caption in this case to read: Pennsylvania State Employees Credit Union, Plaintiff v. Alexander O. Sanders, Defendant. BARLEY SNYDER LLC Date:_ By: Shawn M. Long, E uire Attorneys for Pla' tiff, Pennsylvania St to Employees Credit Union Court I.D. No. 83774 126 East King Street Lancaster, PA 17602-2893 (717) 299-5201 32229311 2 No. 07-5491 BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. ALEXANDER O. SANDER, Defendant Attorneys for Plaintiff Pennsylvania State Employees Credit Union COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 07-5491 ORDER AND NOW, this day of Motion to Amend Caption, 2011, upon consideration of Plaintiff's IT IS HEREBY ORDERED that the caption is amended as follows: Pennsylvania State Employees Credit Union, Plaintiff v. Alexander O. Sanders, Defendant. BY THE COURT: J. Distribution: Shawn M. Long, Esquire Barley Snyder LLC 126 East King Street Lancaster, PA 17602-2893 Alexander O. Sanders 209 South 2nd St. Lemoyne, PA 17043 Alexander O. Sanders 413 3rd St. New Cumberland, PA 17070 3222931_1 CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing Plaintiff's Motion to Amend Caption was served this lcoay of _ , 2011, by first-class mail, postage prepaid, upon: Alexander O. Sanders Alexander O. Sanders 209 South 2nd St. 413 3rd St. Lemoyne, PA 17043 New Cumberland, PA 17070 BARLEY SNYDER LLC By: hawn M. Long, Esq ' e Court I.D. No. 8377 Attorneys for Plaint' f, Pennsylvania State Employees Credit Union 126 East King Street Lancaster, PA 17602-2893 (717) 299-5201 32229311 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES NO. p? - j?Q I C,v, Tee CREDIT UNION9 Plaintiff . VS. ALEXANDER O. SANDER Defendant : CIVIL ACTION -LAW NOTICE TO DEFEND Pursuant to PA RCP No. I018.1 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. IF YOU CAN NOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Assoication 32 South Bedford Street Carlisle, PA 17013 ti _ V J Document N: 18oo57. 1-804-990-9108 (717)249-3166 ?.f 0 T (Tl T: ?fY) EN LA CORTE DE ALEGATOS COM IJN DEL CONDADO DE CUMBERLAND, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff NO. VS. ALEXANDER O. SANDER Defendant : CIVIL ACTION -LAW AV I S O PARA DEFENDER Conforme a PA Nfun. 1018.1 USTED HA SIDO DEMANDO/A EN LA CORTE. Si usted desea defender conta la demanda puestas en las siguientes piginas, usted tienen que tomar acci6n dentro veinte (20) dias despues que esta Demanda y Aviso es servido, con entrando por escrito una aparencia 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 falla de hacerlo el caso puede proceder sin usted y un jazgamiento puede ser entrado contra usted por la Corte sin mis aviso por cualquier dinero reclamado en ]a Demanda o por cualquier otro reclamo o alivio solicitado por Demandante. Ustedpuede perder dinero o propiedad o otros derechos importante pars 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 INFORMACION DE COMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGARLE A UN ABOGADO PUEDE PROVEERE INFORMACION ACERCA AGENCIAS OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ REDUCIDO O GRATIS. Cumberland County Bar Assoication 32 South Bedford Street Carlisle, PA 17013 1-800-990-9108 (717)249-3166 ESTA OFICINA QUE PUEDAN UN HONORARIO Document t!: 180057.1 t IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff vs. ALEXANDER O. SANDER Defendant NO. 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, Alexander O. Sander, is an adult individual with a last known address of 209 South 2nd Street, Lemoyne, PA 17043. 3. Defendant is, and at all relevant times material hereto has been, the primary loan applicant. 4. Defendant applied to Plaintiff for a loan for the purpose of purchasing a motor vehicle. 5. The loan application submitted by Defendant was approved by Plaintiff and Defendant signed a Loanliner Advance Proceeds Check for the purchase of the vehicle. A true and correct copy of said Loanliner Advance Proceeds Check is attached hereto, incorporated herein and marked as Exhibit "A". Document N: 180057.1 6. Pursuant to the Loanliner Advance Proceeds Check marked as Exhibit "A", Defendant agreed to the terms and conditions of the extension of credit as set forth in the Loanliner Credit and Security Agreement (hereinafter referred to as "Contract"). A true and correct copy of the Loanliner Credit and Security Agreement is attached hereto, incorporated herein and marked as Exhibit "B". 7. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms and conditions of the Contract marked as Exhibit "B". 8. Various charges were made by Defendant on the account. 9. Plaintiff provided a letter to Defendant stating that the vehicle purchased by Defendant was deemed repossessed. The letter further advises Defendant that unless payment in full was made on the outstanding loan balance, the said vehicle would be sold at a public sale and Defendant will be responsible for any resulting deficiency. 10_ As a result of Defendant's failure to cure the default in payment, and pursuant to state law remedies, Plaintiff sold the vehicle at public sale. 11. Plaintiff provided a letter to Defendant indicating that there was a resulting deficiency after the sale of the vehicle. 12.. Plaintiff has maintained a statement of account keeping an accurate and running amount of debits and credits made on Defendant's account. 13. Plaintiff has submitted to Defendant a copy of the statement of account accurately showing all debits and credits for transactions with Defendant. 14. Defendant has not objected to any of the monthly statements of account submitted by Plaintiff to Defendant. Document 0 180057.1 15. Despite Plaintiffs reasonable and repeated demands for payment, Defendant has failed, refused and continues to refuse to pay all sums due and owing on Defendant's loan account balance, all to the damage of Plaintiff. 16. As of September 7, 2007, the balance due, owing and unpaid on Defendant's loan account with Plaintiff is the sum of Seven Thousand Four Hundred Ninety-Four Dollars and 47/I00 ($7,494.47). 17. Pursuant to the terms and conditions of the extension of credit contained in the Contract, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest charge on the principal loan balance. 18. Due to the default of the Defendant and pursuant to the terms and conditions of the Contract attached as Exhibit "B", attorney's fees in the total amount of One Thousand Five Hundred Twenty-Three Dollars and 84/100 ($1,523.89) have been added to the account. 19. Any and all conditions precedent to the bringing of this action has been performed by Plaintiff. 20. The amount in controversy is within the jurisdictional amount requiring compulsory 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, Alexander O. Sander, in the amount of Nine Thousand Eighteen Dollars and 36/100 ($9,018.36), plus interest, the costs of this action, and such other relief as the Court deems just and proper. Respectfully submitted, VAN ECK & VAN ECK, P.C. By: Melissa L. Van Eck, Esquire Attorney I.D. No. 85869 P.O. Box 6662 Harrisburg, PA 17112 717.540.5406 DOCumenl #: 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: C c c [""'S CDate: ?` Document #: 180057.1 EXHMIT "A„ . ... - I4 ?r?fEEWIOYFf?OLLIi W/CN .. ..r?'?\? -1' .l\. ,?...h >•1._ + ?MM19IM0. ?11?1t0• _'i• _+ ps- .?V` i .SM2]7.7771 MAIM1/YYINONUSMIRG?`l`\?)t10\ DATE': - `11 00.7068766',_ R\ CASHIER'S CHECK . - „ y` i ` \ Ih J ` + ; Y I It 1 Y `-. __\-:r?.• lM%XU 5RLO'1NENTY?'DOLLABS'AND X00 r . _ ' -,?ALIMAND?. 0 SANDERS - - - - pA STATt E ENWLOTEES gEDIT UNION - PAY TO THE 01112.-1 6 03123 US OGp1 5 31??; ORDER o7F-f CA9a CW?CI' s331 0 _ op _ ? 1511? 01'wt ^ } , SF s , 2D68 f?6o' ..t .2.3.f 3.8 i L4 6s .• .: . 6 1.?? aC?.>; air- L L'-.. 6flariP r, ;In r: .? - - -* s1. Tr -• _ _ '' .-' .who '3l.rh :i 03??, QBd 0/76456780 >03J?.136.0? -= = _ ?s ?'' T+OfO' 83 P9 C011MEMM BANK NR- C!3/28/cb05 _ CIIF H'IL1. 1iJ HVU T br- !s _ _ ,: ADVANCE PROCEEDS VOUCHER AND SECURITY AGREEMENT MEMBERNAwt ALEXANDER O SANDERS 3031 GUINEVERES DR HARRISBURG PA 17110 SACTION TYPE t. NEW LOAN 2. OMKN° LOAN ADVANCE PSECO the financial Anku .= - "DATE `' - ,"-"?''B?'??ke>k'?_ 03/22/2005 8401105740110 i ZR:: PRIVATE PARTY OLHER ME ( 4. [] HOEOUnY ADVANCE 3 Pennsylvania State Employees Credit Union P. O• Box 670]3 Harrisburg, PA 17106-7013 (717) 234-8484 (800) 237-7328 0004439310 11 WMVE:PAEIAOUSLYf7.ECTMTOHAVETMAONANCE CRS*UWAN Y 394owCREW LIFE RISURED WITH tHE OWING COVERAGE YES Q K] JONJTMEWLIFE . NO YES [I NOKI ANNUAL F3ER- w+AESr RATE IS AM391M1rREdjIE S (CHANGE 1N TERMS ONLY) PREVIO S a YES [I No U ALAtacE r C3IARGAiMOWYT AtAM11CED CENTAGE RATE +OTHER NEW BALANCE FTXFD VARIABLE ' f" A' .-: _..t. 013671 04.990 % ® El 8,320.00 : g `.r $0 00 3- = . I - PAYMENT DUE DATE ? 8.320.00 PAYMI3rT FREOUENCY PA0,IECTEOIOANiFJiM 156.98 04/21/05 MONTHLY WAS ?icO11nTYADVANCE-THEOAILYSECd$Ir1Yt'ORT?#ffiAtY1r`ANP,E'ISTHEREALPROPEFITY(NM06TCASESYOIIRHOMF)WMHYOUGAVEASSEC R 4 UR y 161i&kA'CCOUNr lF77II3 ?3 NOTA NOME EOUI Y ADVANCE, IN ADOITION 7071E PLED E OF S " G WES N V" LOAMiNERI CRFDrr AGREEWW. THE FOLLOWING PROPERTY SE tTEM PROPERLY _:LAOCEti - - c" - ?'' •-. - - - ' CURES THIS ADVANCE ? . _ . ?=}ti. _•?Y. ...? a^•:7V?i•• : .'V ,..ter.-. 1 2 HONDA CIVIC 1998 1HGEJ8147WL.035341 CPE 8 320 00 s. , . 4. OTHER YOU PLEDGE S WIES AND/OR DEPOSITS OF $ N ACCOUNT NUMBER OLD ACCOUNTA.OM! NUMBER (A;PAYOI'F PR.INC. ? W , OLD ACCOUNTILOAN NUMBER (B) PAYOFF RING r INT"? OLD ACCOUNTAOAN NUMBER (C) PAYOFF (PRINC r w7J . OLD AMOUW .OAN NUMBER (D) FF RINC.4 WT. OLD ACCOUNALOAN NIMBEA E) PAYOFF WNC ? tNL) OLD ACCOUNT&CIM NUMBER (F) PAYOFF (PRYJG a INT7 BY acceptlng the proceeds or by using the funds advanced and deposited into your sharelshare draft accourd, you agree (1) that the propertY referenced above Win secure the advance and any other advances you have now or receive in the future under the LOANUNER° Credit and Security other amounts you owe us for any reason now or In the future in accordance with the terns of the Plan and (2) to make Agreeme (the Ptah) and accordance with the terms of the Plan. () payments as disposed above in m ll!lJA IdUNµ GROUP, 1980. B2, 84. e<,, 69.98, ?, ZObq Ot, 04,µL BIGHTS NcS`flYEO PENNSYLVANIA STATE- EMPLOYEES CREDR UMON FORM 83175 JVXXDI00.1 037.7092.1 (4004) SCANNE by System Application Received 03/21/2006-:-(?° Time Received 0149PM7 Branch Source Source of Repayment Secondary Source of Repayment Product Application Loan Type. Purpose: IMPORT -1 1286 w Cross Ref It: Scheduled auto transfer' :• DL Direct Loan _ Vehicle loan (23) Regular Preappoval?: ........... .......... Auto loan - Lease Buyout:...,.., ::: ........ ::: :::::::::::: : Auto ban - Refinance.'..._.-.:•---- ........ --------- •::-. ....... Auto ban - Private Parts' ::::::: .......... ::::::::::::::: -: -:: - Auto loan _ Member Auto ban - Recreational Vehicle ?' . - . -. -. -. -' •'.-. -: -. - : -:: - : -. -. -. -: -: Autoloan-Rolover_.:.-.-.::.:_:.:.:_ :::.:•:•:-:-:-'.-:::::::::: - Specific Use of Proceeds: .,Credit Bureau. ? Experian :_ ,` Share Application lnformation?: Tide First Middle Last Suffix Name: SANDERS Birth Date: 06/10/1986:: SSN: 57T-13 3243: . `L66&k Total Number of People in Household a Citizenship: US Citizen r? Borrower Type- !'Applicarrt Spouse of Borrower. No ;.? Marital Status: Y? Mother's Maiden Name: C8 PIN: ..... . ............. Email: BADBIACK02FOCUS@AOLC0M - AKA/FKA_ r" Application ID: 443931 ?:Foregrt Address:: Apt / Bldg / Unit i.....:"" -• J Number Di Street Name Di Type Type Number • Starxiard f 3031 ;; ,` UINEVERES iij -DR `- Rural Route Route/Mitary Type:' ... J Number: Box l I PO Box PO Box County.""" Lire 2 T B1 -? City. FI?IRRISBURG State: PA Zp: 17110 - Provirce: Countr Postal Code7 Phone (717) 651-0578: Ext Residerrtial Statur.:R s Time atAddresr. yrs o. Cellular U) -. `:Phone number verified.- Address verified: _ Applicant's mating address is the same as the current address.:Collect Previous Address Information. Position; MANAGER 'Ungnp tude"omemaker. ..... . .... . ................. ... Active duty m'4tary member-: Employer Name: MCDON'4LD5 Phone (717) 774-1027: Ext: C+ty State: Ver6cation Phone: ( J 1 Borrower Code: (Non-Employee Loan Time at Pres. Employer.yrs ? mths ......................... .......... Income: Pa Basis: Proof of income received : Gross Salary: _ :24000.00 ............... . :::....... ;Annually Emplp?me nt verifi - e . d r. .. .: OT/8orrus!Comm t x.00 ?Arvn,a&y . Income.ver ed-:-'-'-:-:-: : -? Other income: : • • : 4576.00 )Annually r.- Souce: Part !rme/SecondJob•:-::•:•:•:-:•:•: Armrony. child support ti separate maintenance income need not be revealed if you do not wish to have it considered jtt4ect Previous Employment InJormatin.o Collateral: Collateral to add. I New car, truck, SUV, van i. 1998 HONDA CIVIC IHGEJ0147WL035341 Value:8320.00 Basis:Kelley Blue Book StdAdvVal: 1Q616Q ;..y-:. ......................................... . ..... ..;?elely;: TO Collateral Value: :8320.00 StandardAdvance: : :10816.00 Standard Advance %: :130 Exist Liens Not Refr New Loan Request _:8320.00 Loan to Std Advance: :77 Credit Limit \ Maximum Loan Amount 0.00 Loan To Value: 100.00 Purchase Details Selling Price : :.:. . .:. . .: . 0.00 D ownPayment - :0.00 Rebate/Other Equity. O.OO Net Tiade In Amount Tax Rate 1%):F ::::.0.00000 T ax Amount T itle: .:.: 000 License: Q.()0 Amount to Finance: : _ :: 0.00 Gedrilor A .. W Acorntt NNumber Payment Balance Type Last Ad Date PO Estinated Payment 157 8320 I housing 150 0 H Aim, child sup, court ordered 0 0 A*nhe rit 0 0 A FRD MOTOR CR 37846531 178 8558 I 03/2005 S1 Debt Ratio. :::::14 LC Debt Ratio::::::14 Total Sl Pmts: 485 S1 Proi Debt Ratio::::::20 Original Application Factors used in Automated Decisioning Housing Prnt ::: - ::150 Other Expenses::-0-0 Application Loan Pmt: Total Mor>thlyAdF L LC Proj Debt Ratio :::::20 Total LC Pmts: 78 Current Application Factors being utilized by Underwriter Housing Pmt ::::::::: _150 Other Expenses: Total Montf*Adir ??0 LC Proj Debt Rata: :.:.:20 Monthly Income Summary Gross lncome. _:-:.---::2000 * OT/Bonus/Commissiorc ?•:- + Other Income: :7.::381 = Individual Total Income: -2381 Combined I ncome::.:.:.:: _ 2381 -=??dit?:;`= ??: % ??#?ctelei?:'- ? ??= t3iseleitid•' ?% Ratios Revolving Debt Housing Debt Total Revolving Line: F Net Disposable Debt :::-:20 Application Loan Pmt 157 Total LC Pmts: : -.:•-.---178 Residual Income Summary total lncome: :- 2381 - Residual A,* F-7 _7 7-7-61 -Total All Pmts. :54 8 = Net Residual Inc: 1896 Net Disposable Income: :-:::::::.1896 Product .. :., f! of Paymentr.::6(} Payment Period Mme, TotalAmount Finarred :: -:.:832f100 Total Colateral Value: .:.:.:.:8320.00 Combined LTV: 1- : •: •.10 E stimated Payment ::.:.:.:. 556.98 Total Debt with Us: ::::::: _8320.00 Current System Decision/Recommendation: rove Decision Party. Application Score: :187 Cutoff: :195 Score Summarv.. Borrower Bueau _? Model r Score Missvrg Fields __ _ SANDERS, ALEXANDE Trans Union EMPIRICA 950 638 SANDERS, ALEXANDE Trans Union L' edit Final S 187 0 SANDERS. ALEXANDE Trans Union L" •dCr -dit App S 31 Manual Loan Number i Loan Number: i of Suffix.. Reported Amount. Primary Collateral Code: :Vehicle loan Down Payment::0.00 Funds Request :NeW._.,., Payment Type: instalment Interest Accrual [Actual/365- Interest Rate: 4:99000- ` Maximum Term: Payment ::::156.98 Final Payment: -:156.96. Interest Rate Lookup: :<Galixl0Te 1.. • Use Deasion party ± rate_ Rate Loan Date: 03/21n 5:-W Disbursement Date: 0312?12 :_Oj Maturity (Due) Date: 03/21/2010: .......... New Funds Amt: _: _::::::: 8320:00 Total Requested Amount ::8320.00 Loan AmounL : _ : '. 8320.00 + Total Financed Fees: Total Fnanced Insurance: :::::::: :::::0.00 =TotalFnancedAmt :•:•.:.:::8320.00 Type- ±Fared ....;. Lock : rate Rate Lock Date CreditUe Selection None Rare Credit .. _ ?_r _...__ ._..YY....Y......._ jLTelnsuransrrance :.:.; Disability Selection None . Plan ?Disablity Inswance -'- -- "___:______Y____-..w ----------- ;?-: ... ----- ::.. Coverage for App(?a SANDERS.ALDMDER 0 (577.13 _ ...--... .,..: Credit Life (Decreasing) Insured Amount Monthly Benefit :0.00 Remit= : -: - Cost Per Day. End Coverage Date: fl Coverage Term Credit Life (Level) :-:•:?:•:-:•:-0.00 ?:-:-:•:•:-:-:x.00 Disability •::•::0.00 •:•:-:-:-::::::0.00 • :.:.:.::::::::0.00 ? t?E Premium Paid in Cash:. Balance CL 04/21/2005 34.12 12Z-86 8,197.14 156.98 0.00 0 00 5/2112005 3.62 ------- 23.36 --- --- ,073-78 . 56.98 .00 . O.00:-:-.- 06/21/200. _ 34.22 122.76 7,9S 51.02 2 15. 6 ... .98 ..... . . . . . 0.00 . . . . . . . . ... 07/21/ZOOS 32.61 ...... 124.37 ............ 7,826.65 ......... 156.98 ..... 0-00 0.00,-: ' .08/21/... 33.. 7 1Z3_ 81 ..... ....... 7,702.84 ......... .. 156.98 ..... . . . 0". 00 : 09/21/2005 ........ 32.65 ......... 124.33 ............ 7,578.51 .. ....... ..... 156 .98 .... 0.00 0.00: 1 0/21/ZOOS ......... 1-08 ....... 25.90 ,452.61 . ----- 156.98 -------- 0.00 .. 11/21/2005 31758 125..40 ........ 7,327.21 ... ...... 156-98 .. 0.00 0.00:.:• /21/... -0.05 .... 126-93 ,200.28 ....... 156.98 ............ 0.00 ........ : 0.00::: 01/21/2006 .......... 30.52 ........ 126.46 ........ 7,073.82 156.98 0.00 0.DO - 02121.12006 ....... 29.98 ....... 127.00 ........... 6,946.82 .......... 156.98 .... 0. 00 . 0.00 03/21/2006 ....... 26.59 130.39 6,816.43 ..... 156.98 0.00 0.00::: 04/21/2006 28.89 128.09 6,688.34 ... 156.98 ... 0.00 0.00 - .- 0512112006 27.43 129.55 6,558.79 156.98 0.00 . . 0.00:-::- D6/Z1/2006 .......... _ 27.80 ......... 129.18 6,429.61 156.98 0.00 0. 0.. APR: ::4.99000 Interest Payments: :: 0 60 - : : : :34 22 # f I t P : . : : : . o n erest ayments: 60 . Total Interest Total Payment: PfInL14t17or(rZdhtNi>' -: pryrlt Via,. „ :c9 :c.. IG7ff Stiirfrrfa-r Number of Pmts:::: 60 Pmt Period: Monthly 1st Payment Date: 04/212005 End of Month? ?' D ecision/R ecormrenda6m- [[po e: •: • ; -: -:::.::: -: ? Decision Party. System :::: •: •: •' • : • Q3J211? Decision8aseduporc ::::::::::::•:•:-::-'•'•:•:•:•:-:•:•:::::•-::•:•:•:.:•: Review Approvals Application Score: f 871 Cutoff Reasons for RevieK Review Declines Above: _.-------- - - - --------- W ..??. _...._W...__... Review •Abnormalcredireport. (ALEXANDER SANDERS) (EKperianj:::::::::•:•:-:-:- :•:•:-:-:•:•:•:•:•:•: Decision pproye-,- -:: Current Status: chive Underwriter System:::::::::::: 03/21 /2005 1 6:59:24:•: MaxS-? Ys APP?oved Amt -a Reasons to Override: Stipulations- ................ . . . . . . . . . . . . . Decline Reason(s): Reason Feld Label - VA ML M ember. Code 0 Current PSLV LOC If HELOC, immediate adv amt 0 Deposit proceeds irto Sl or S4 'XNET.XNETRE,XPHONE,XPAPRE• XPHONE Disclaimer Answer AYES or CYES AYES member re uested 4 of payments 60 Type: ener p mporP:: . . ......:: : ............. ... .... 286/CE LL 71 856 81 . ... • : • ::. : PSECO _Pennsylvania State Employees Credit Union PO. Box 67013 0 Harrisburg, PA f7106-7013 • (717) 234-8434 Harrisburg, (800) 237-7328 N.-rionwide the financial links Loan Disclosures This LOANUNER' Credit and Security Agreement. which includes the Truth in Lending Disclosures, will be referred to as the Plan. The Plan documents include this agreement and an Addendum. You, your and borrower mean any person who signs the Plan. Credit union, we, our and us mean PSECU or anyone to whom the Credit Union transfers its rights under the Plan. HOW THIS PLAN WORKS - This is an open-end, multi-featured credit plan. We anticipate that, from time to time, you will borrow money (called "advances) carder the Plan. We are not required to make advances to you under the Plan and can refuse a request for an advance at any time. The Addendum describes the different types of credit (called'subaccounts) available under the Plan, the current Interest rate for each subaccount expressed as a daily periodic rate and corresponding annual percentage rate and other charges- it may also have other tears and a schedule for determining the payment amounts. CREDIT LIMIT - We may, but do not have to, establish a credit limit on certain subaccounts. It a credit limit is set for a subaccount, you promise not to exceed the established credit limn. If you exceed the nit limit, you promise to repay Immedialely the amount which exceeds the credit limit. REPAYMENT - You promise to repay all amounts you owe under the Plan plus IntaresL Payments are due on the last day of the month unless we set a different day at the time of an advance. If the Addendum has no payment schedule for a subacm rit, your payment will be determined at the time of each advance. Payments must Include any amount past due and any amount by which you have eocceeded any credit nrrdl you have been given for a subaccount. You may repay all or part of what you owe at cry time vvIthoul any prepayment penalty. Even if you prepay, you win still be required to make the regularly scheduled payments unless we agree In writing to a change In the payment schedule. It you have a joint sharedralt amount, you wig be responsible for paying all overdraft advances obtained by a joint holder of the sharedrah account Unless otherwise required by law, payments win be applied tO amounts owed under the Plan. In the manner the Credit Union chooses. PLAN ACCESS -lrou can obtain credit advances in any manner authorized by us. N we allow you to use your ATM/DetA card to access the Plait, you may, be gable fun the unauthorized use of your ATM/Debit card. You will not be liable for unauthorized use thel occurs after you notify us. orally or In writing, of the loss, then. or possible unauthorized use. It you believe your ATM/Debit card has been lost or stolen. Immediately, inform the Credo Union by calling or writing us at the telephone number or address that appears elsewhere in the Plan. if the card is used to obtain unauthorized a6salwas directly from the Plan, your liability will not exceed 550. N the tunauthortzed withdrawal Is from a shwedraft account your liability is governed by the Regulation E dsdoaurres you received at the time you received your ATM/Debit card, even H the withdraws( rasufts in an advance being mane from your overdraft subaccount. FINANCE CHARGE - The dollar amount you pay for money borrowed Is caged a 'finance charge' and begins on the data of each advance. A finance charge will be computed separately for each separate balance under the Plan_ To compuls the finance charge. the unpaid balance for each day since your last payment or since an advance N you have not yet made a payment) is multiplied by the applicable dally periodic rata The sum of these amounts Is the finance charge owed. The balance used to compute the fuharnce charge is the unpaid balance each day otter payments and credits to that balance have been subtracted and any additions to the balance have been made. in addition to Interest, we may charge other finance changes yr hkh are disclosed on the Addendum. It the Interest rate Is a variable interest rate, the Addendtrn explains him the variable Interest rate works- SECURITY - You pledge as security for the Plan all shares and dividends and. N any, all deposits and Interest In all joint and individual accounts you have with us . now and in the future. If a specific dotter amount is pledged for an advance, we will freeze shares in that account to the extent of the outstanding balance for the advance. Otherwise, your pledged shares may be withdrawn unless you are in default. The following paragraph applies In all states except In Ohio, Rhode Island and Massachusetts: We have a statutory lien on the shares and dividends and, N any, the deposits and interest in all individual and joint accounts you have with us and may exercise our rights under the lien to the extent permitted by state few. (We are state chartered if our name does not include the term 'Federal Credit Union!) For all borrowers: The statutory lien and/or your pledge will allow us to apply the funds In your account(s) to what you owe when you are In default The statutory lien and your pledge do not apply to any Individual Retirement Account or any other account that would lose special tax treatment under state or federal law If given as security. Additional security for the Plan may be required at the time of an advance. If a subaomunt Identifies a type of property (such as "New Cars-) you must give that type of property as security when you get an advance under that subaccount A stbaccount name such as 'ether Secured means you must provide security acceptable to us when you obtain an advance under that subaccount. Property you give as security will secure all amounts owed under the Plan and all other loans you have with us now or in the future, except any loan secured by your principal dwelling. Properly securing other loans you have with us may also secure the Plan. CREDIT INSURANCE - Credit life and/or credit disability insurance Is optional under the Plan. If you quality for and purchase the insurance fron us. you a us to add the insurance premiums monthly to your loan balance and char C CUKA VtrLl t GFCUP 1W 37 ar_?6 E9 94 '9. ?CW 0: 67_UI_a. Ui ?L, A G.1:5 a_ interest on the entire balance. It you elect credit insurance, your payments may increase or the period of time necessary to repay your advance may be extended. The credit insurance rates may change during the Plan. It the rates change, we will provide any notices required by applicable la•N. PERIODIC STATEMENT-On a regular basis you will receive a statement showing alt transadions under the Plan during the period covered by the stalerrhent. Statements and notices will be sent to you at the most recent address you have given us in writing. Unless applicable law requires notice to each joint borrower, notice to arty one of you will be notice to all. JOINT ACCOUNTS - It this is a joint account, each of you is individually, and jointly responsible for paying all amounts rived. That means we can enforce our rights under the Plan against any one of you int vidualty or against all of you together. If you give us Inconsistent Instructions, we can refuse to follow your instructions Unless our written policy requires all of you to sign for an advance, each of you authorizes the other(s) to obtain advances individually and agrees to repay advances made to the other(s). Any joint accountholder may terminate the Plan by giving us prior written notice. If any of you terminate the Plan, the Plan is terminated for all of you. You remain liable individually and jointly for all advances Incurred before termknatbrt FEES AND CHARGES - It you give us a security Interest in certain types of property, we may charge you a filing fee to perfect our interest In the property. If we do, the amount of the fee will be disclosed to you at the time you obtain an advance. We may also charge you other fees In connection with the Plan. Our current fees are disclosed on the Addendum and wig be added to your loan balance unless you pay them in cash. UPDATING CREDIT INFORMATION -You promise that you will promptly give us written notice N you move, change your name or employmerrl, or N any otter Information you provided to us changes. Upon our request, you also agree to provide us updated financial Information. DEFAULT - The following paragraph applies to borrowers In Idaho, Kansan, Maine and South Carolina. You will be In default N you do not make a payment of the amount required when it Is due. You will also be in default lt we believe the prospect of payment, performance. or reaFlza0on on any property givers as security Is significantly impaired. The following paragraph applies only to borrowers in Wisconsin: You wi f be in default It you fail to make a payment when due two times during any, 12 month ppeeriod. You will be In default if breaking arty promise made under the Plan materiality Lrhpaiis your ability to repay what you owe or materially Impairs the condition, valtie, or protection of or our right In any property you gave as ilecuuity. The following paragraph applies only to borrowers In Iowa: You will be In delauft If you are more than 10 days late In making a payment You wig also be in default if you do not comply with the terms of the Plan and your k1ure to comply materially Impairs any property you gave as security or your ability to repay what you owe under the Plan. The following paragraph applies to borrowers in an other states: You wig be in default it you do not make a payment of the amount required when It Is dire. You will be In detauft It you break any promise you made under the Plan or N anyone is In default under any security agreement made In connection with an advance under the Plan. You wig be In default N you dle, file for bankruptcy. become Insohient, if you make any false or misleading statements In any credit application or update of credit Information, or if something happens we believe may subetangally reduoe your ability to repay what you owe. You will be In default it any property you have Oven us as security Is repossessed by someone else, seized under a for}e1Wre or skrtlar law, or N anything else happens that significant y affects the value of the property or our security interest in it. You will also be in default under the Plan If you are in default under any other loan agreement with us. ACTIONS AFTER DEFAULT - The following paragraph applies to borrowers in Coforado, District of Columbia, lows, Kansss, Maine, Massachusetts, Missouri, Nebraska, South Carolina and West VIrglnla: When you are in default and after auWation at any right you have under applicable state law to cure your delaiM we can demand Immediate payment of the entire unpaid balance under the Plan widX" giving you advwwa notice. The following paragraph applies to borrowers in an other states except Wisconsin and Louisiana: When you are in detautL we can require knnediste payment (acceleration) of the entire unpaid balance under the Plan. Ycw walve any right you have to demand kit payment, notice of Intent to accelerate and notice of accaleralfim The following paragraphs apply to borrowers In all states except Wisconsin and Louisiana: N immediate payment is demanded, you will continue to pay Interest until what you owe has been repaid at the applicable interest rates in effect or, N appicable, at the default rate disclosed on the Addendum. If a demand for immeiate payment has been made, your shares and/or deposits can be applied towards what you owe as provided in the section above tatted -Security" We can also exercise arty other rights given by law when you are in default. You agree the Credit Union has the right to lake possession bf any property given as ;;ccurity under the Plan, without judicial process, if INS can be done without 1 the peace if we Fisk. you promise to deliver the property at a time and choose- II the property is a motor vehicle or coat, you agree that we may CPSMGI PSECU FORM 13148 Ja7 ZWI-1 037-2092-1 (OrOS) uthortze breach O g9 you place we _iiitlii - LOANLINER' Credit and Security Credit Agreement (continued) obtain a key or ether d=-vice necessary to unlock and oper3!e it, when you are default. We will not be responsible fx any other property, not covered t:y t Agreement, that you leave inside the property or !hat is atachod to the properly. will try to return that property to you or make,R available for you to claim. Alter we have possession of the property. we can seal it and apply lie money to amounts you owe us We wilf give you notice of any public disposh ion or the date a which a private disposition will be held Our expenses for taking possession of a setting the property v-411 be deducted from the money received from the sale. T casts may include the cur, of storing the property, preparing it for sale and attar, tees left Went permitted under state law or awarded under the Bankruptcy You must pay any amount that remains unpaid after the sate money has been appfi to any unpaid balance under the Plan. You agree to pay interest on that amount at Sarnia tale as the advance. or, if applicable, at the default rate disclosed on Adderdu m. unfit that amount has been paid. The following paragraph applies ony to Wlsconsltr borrowers: When you are default and attar expiration of any right you hate under applicable state law to cute default, we may requara imvned iste payment of your ouWandmg loan balance under Plan and seek possession of property given a, securlty. You may voluntariy give primly lo us it you kdtoose, or we may seek to take possession of the properly judicial pro ? we repossess the Property, you agree to pay reasonable expense incurred in of the pkoporty. It the property is a motor vehicle, mobile baler, snownoble, boat or aircraft. you w>d able be required to pay any - Q pe by Section 422413 of the Wisconsin Statute& You must pay any amount that rerrhaah Unpaid s give as security or if the Advance is to buy the property, you promise you wilt use paid after the sale money has been appled to what you owe under the Plan agree to pay interest on any unpaid amount at the same rate as the advance, or. applicable, at the default rate disclosed on the Addendum; until that amount is paid. if the property is located outside Wisconsin at the time of default, we may tak possession of the property without judicial process, 4 permitted by the state wher the property Is located The fbilowfng paragraph applies only to Louisiana borrowers: When you are i default, we can require Immediate payment (acceleration) of the entire unp balance under the Plan. You waive any right you have to demand for paymem, notice of Intent to accelerate and notice of acceleration. It immediate payment is demanded, you will continue to pay interest until what you owe has been repaid a the the applicable interest rates In effect unless a default rate is disclosed on thAddendum. It a demand lot Immediate payment has been made, the shares and deposits given as security for the Plan can be applied towards what you owe. W We ran also exercise any other rights given by law when you are In default and our rights raider any security agreements you have with us. CANCELLING OR CHANGING THE PLAN - The following paragraph applies only to borrowers In Illinois: We have the right to change the terms of the Plan from time to time after giving you any advance notice required by lave. Arty change to the Interest rate of other charges will apply to future advances. The following paragraph applies only to borrowers in Wisconsin: We can Change the terms of the Plan from time to time in ac cardahce with Section 422.415 of ttte Wisconsin Stables. You will be notified of any flange in lerrms. An Increase In the daily periodic rate under a variable rate interest rate Is not considered a change in terms under the Plan. We can cancel the entire Plan or any part of the Plan at any time. You may cancel the Plan at any time by giving us prior written notice. Ybur obligation to pay the unpaid balances under the terms of the Plan continues whether you or the credit union cancel the Plan, except to the extent that Your liability Is armed by Section 422.415$ of the Wisconsin Statutes. This li?xowlng paragraph applies only to borrowers In Iowa: We can change the terms of the Plan from time to time after giving you any advance notice requfred by taw A change that Increases the rate of fi;i;nce charge or other Charge. that Increases the amount at your payments. or that otherwise adversely affects axlrting balances Will apply to e?sting balances orgy it you agree to the change or you use the Plan after receiving notice that your use of the Plan means you agree the change apples to existing balances. The "/owing paragraph applies to borrowers In ad other states: We have the right to change the terms of the Plan from time to time after giving you any advance notice required by law. Arty change in the interest rate will apply to future advances, and al out discretion and subject to any requirements of applicable law, will also apply to unpaid balances. The Wowing paragraph applies to all but Wisconsin borrowers.- An increase in the daily periodic rate under a variable interest rate is not considered a change in terns under the Pin We can cancel the entire Plan or any part of the Plan at any tine You may cancel the Plan at any time by giving us prior wrtnen nonce. Your obligation to pay the unpaid balances under the terms of the Plan continues whether you or the Credit Union cancel the Plan- DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN - We can delay enforcing any of our rights under this Plan any number of limes without losing the abiRty to exercise our rights later. We can enforce this Plan against your heirs or legal representatives. It we change the terms of the Plan. you agree that this Plan will continue to protect us. CONTINUED EFFECTIVENESS -- If arty part of this Plan is determined by a court to be unenforceable, the rest will remain in effect NOTICE To UTAH BORROWERS - This written agreement Is a final expression of the agreement between you and the Credit Union. This written agreement may not be contradicted by evidence of any oral agreement. 1he igtfowfng Is required GT Vermont law - NOTICE TO CO-SIGNER - YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF IHIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. The following paragraphs apply if you give security In connection with a in advance under the Plan-They apply to borrowers in all states except Louisian his ` Louisiana borrowers will execute a separate security agreement. Borrowers We other states may also be asked to execute a separate security agreement THE SECURITY FOR THE PLAN - You give us what is known as a secvri any interest in all property describe d in any receipt, voucher or other document yc her receive for an advance (the Advance"). The security interest you give includes i nd accessions. Accessions are things wtlich are attached to or installed in the proper hose now or in the future. The security interest also includes any replacements for th ees I property which you buy within 10 days of the Advance or any extensions, renewal Code. 1 or refinancing of the Advance. It also includes any money you receive Irom sellin ed the PtoP? or from insurance you have on the property. It die value of the propen ,,a declines, you promise to give us more property as security if asked to do so. the WHAT THE SECURITY INTEREST COVERSICROSS COLLATERAL PROVISION' - The security interest secures the Advance described in he receipL voucher or an in other document you receive at the time of the Advance and any extensions, renewal yin or refinancings of the Advance. it also secures any other advances you have now the at receive In the future under the Plan and any other amounts or loans is Including any credit card loan, you owe us for any reason now or In the future by except any loan secured by your principal residence. It due property Is househok y goods as defined by the Federal Trade Commission Credit Practices Rule,. the h«ne property Will secure only the Advance and not other amounts you owe- OWNERSHIP OWNERSHIP OF THE PROPERTY - You promise that you own all property you Yteu the Advance for that purpose. You promise that no one else has any Interest In or if Claim against the property that you have not already told us about. You promise not to sell or lease the property or to use it as security for a loan with another aerator e until the Advance is repaid. You promise you will allow no other security interest or e Eon to attach to the property either by your actions or by operation of law. PROPERTY INSURANCE. TAXES AND FEES - You must maintain property n insurance on an property that you give as security under the Plan. You may purchase th ad e property insurance from anyone you choose who is acceptable to the Credit e Union. The amount and coverage of the property insurance must be acceptable to s us. You may provide the property insurance through a policy you already have, or t through a policy you get and pay for. You Promise to make the Insurance policy payable to us and to deriver the policy or proof of coverage to us If asked to do so d It you cancel your insurance any get a refund, we have a right to the refund. It the property is lost or damaged. we can use the insurance settlement to repair the property or apply It towards what you owe. You authorize us to endorse draft or check which may be payable to you In order for us to collect any refundofbenefits due under your insurance policy. You also promisa to pay all taxes any fees (tike registration fees) due on the property. It you do not pay this taxis or fees on the properly when due or keep it ruled, we may pay these obligations, but we are not required to do so Arty money we spend for tames. fees or insurance will be added to the unpaid balance of the advance and you will pay interest on those amounts at the same rate you agreed to pay on he advance. We may receive payments in oonvtection with the Insurance from a company which provides the Insurance. We may monitor our loans for the purpose of detenrinirg whether you and otter borrowers have complied with the insurance requirements of out loan or may engage others to do so The insurance charge added to an advance agreements (1) that Insurance tvrnpani payments to us and (2) the cost of delanT* khg compInclude liance with the insurance requirarnenCi it we add amounts for taxes, fees or insurance to the unpaid balance of an advance. we may increase year payments to pay the amount added within the term of the irsurance or appremmate tern of the advance. INSURANCE NOTICE - t you do not purchase the required property insurance the insurance we may purchase and charge you for will cover only our interest in the Property. The premium for this Insurance may be higher because the insurance company may have given us the right to purchase insurance after uninsured collateral is lost or damaged. The Insvrance will not be liability Insurance and will not satisfy any stater financial responsibility or no fault laws. PROTECTING THE SECURITY INTEREST - It your state issues a title for the property, you promise to have our security interest shown on the We. We may have to file what is called a financing statement to protect our security Interest from the claims of others. if asked to do so. you promise to sign a financing statement You also promise to do whatever else we think is necessary to protect our security interest in the property. You promise to pay all costs. including but not limited to any attorney tees, we incur in protecting our security interest and rights In the property, to the extent permitted by applicable law USE OF PROPERTY - Until the Advance nas been paid off , you promise you will (1) Use the property carefully and keep it in good repair. (2) Obtain our written permission before making major changes to the property or changing the address where the property is kept (3) Inform us in writing before changing your address. (4) Allow us to inspect the property. (S) Promptly notity us it the properly is damaged, stolen or abused. (6) Not use the property for any unlawful purpose. (7) Not to retitle properly in another state without telling us. NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE - THE MOTOR VEHICLE IN THIS TRANSACTION MAY BE SUBJECT TO REPOSSESSION. IF IT IS REPOSSESSED AND SOLD TO SOMEONE ELSE, AND ALL AMOUNTS DUE TO THE SECURED PARTY ARE NOT RECEIVED IN THAT SALE, YOU MAY HAVE TO PAY THE DIFFERENCE. NOTICE FOR ARIZONA OWNERS OF PROPERTY - It is unlawful for you to tail to return a motor vehicle that is subject to a securay interest, within thirty days after you have received notice of default. The notice will be mailed to the address you gave us. It is your responsibil y to a'.obty us if your address changes. The maximum penaity for unlawful failure ;o ,eturn a motor vehicle is one year in prison ari a fine of St 50,000. This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act You are eduised to read your monthly stalemerl 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 it you need more information about a transaction on your statement, write us on a separate street 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 fast a4hpeared regarding any discrepancy or unauthorized transactions on your account. Failure to notify us may result in your acceptance of any responsibility for payment or reimbursement to us for any such error or discrepancy on your account- Write to us as soon as possible. You can Wephone us, but doing so wit not preserve your rights. In your letter, give LLs the following information: Your name and account number. The dollar amount of the suspected error. Oesaibe the error and explain, it you can, why you believe there is an error. If you need more information, describe the item you are not sure about M you have authorized us to pay a credit card account automatically from your share account or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment Is scheduled to occur. YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE - We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or Main why we believe the statement was coned In this Agreement. the words you and your means each and ad of those who apply for the card or who signs 0115 Agreement. Card means the Visa Credit Card and any duplicates and renewals we Issua: Account means your Visa Credit Card Line of Credit account with us. We, us, and ours means this Credit Union 1. RESPONSIBILITY If we issue you a card, you agree to repay at debts and the Finafloe Charge Miring from the use of the card and the card amount. For example, you are responsible for charges made by yourself, your spouse and minor children You are also responsible for charges made, by anyone else to whom you give the card. and this m3ponsbif ty continues until the card Is recovered Ytxr cannot disclaim responsibility by no&ytng us, but we will close the account for new transactions; if you so request and return all cards. Your obligation to pay the account balance continues even though an agreement, divorce decree or other court judgment to which we are not a party may direct you or one of the other persons responsible to pay the account 2- LOST CARD NOTiFICATIIN! - It you believe the card has been lost or stolen, you will immediately call the Credit Union at (717) 234-8484 or (800) 237.7328. After hours cat (800) 556-5678. 3. LIABILITY FOR UNAUTHORIZED USE - You agrea to notify us immediately, orally or in writing of the loss, theft or unauthorized use of your Credit Card. Ybu may be table for the unauthorized use of your Credit Card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft: or possible unauthorized use. You will have no liability for unauthorized purchases made with your Credit Card, unless you are grossly negligent In the handling of your Card. In any case, your liability wit not exceed SW. it. CREDIT LINE - t we approve your application, we wlfi establish a sell- replenishing Line. of Credit for you and notify you of its amount when we issue the card You agree not to let the account balance exceed this approved Credit Line. Each payment you make an the account will restore your Credit Line by the arrotat,of the payment which Is applied to the principal. You may request an Increase in your Credit Line only by written application to us, which must be approved by our credit cornrruttee or ban officer By giving you written notice we may reduce your Credit Line from time to time, or with good cause. revoke your cart and terminate this Agreement Good cause includes your failure to comply with this Agreement or arry other agreement with us, or our adverse reevaluation of your creditworthiness You may also tennChate this Agreement at arty time, but termhihation by either of us does not affect your obligation to pay the account balance. The cards remain our property and you must recover and surrender to us aff cards upon our request and upon termination of this Agreement 5. CREDIT INFORMATION - You authorize us to Investigate your credit standing when opening, renewing or reviewing your account, and you authorize us to disclose Information regarding your account to credit bureaus and other creditors who inquire of us about your credit standing. lit MONTHLY PAYMENT - We well mail you a statement every month stowing your Previous Balances of purchases and cash advarnces, the current transactions on your WOOL rhC the remaining credit available ender your Credit Line, the New Balances of purchases and cash advances, the Total New Balance. Me Finance Charge due to date, and arty other billed fees, and the IlA nimuti Payment required. Every month you must pay at least the MlnIrTxurn Payment within 25 Clays of your statement dosing data By separate agreement you may authori¢e us to charge the minmum payment automatically to your mare or checking account with us, You may, of course. pay more frequently, pay more than the Mintmtrm Payment, or pay the Total New 9alance in full, and you will reduce the Vence charge by doing so. if your monthly payment exceeds the total credit One balance M'f d, wt, wig duforndbQ* post Me credit to your 51 shares. The minimum payment will be (a) 2".. of your Total New Balance, rounded up to the 'a't even cl-)flar. or (b) S20.00, w4lichever is greater. In addition, at any time your Total dew Balance exceeds your Credit Line. you must immediately pay the excess upon our After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to send stalemens to you for the amount you ques5on, including finance charges, and we can apply any unpaid amount against your cretin limit You do not have to pay any questioned amount while we are investigating, but you are Slit obligated to pay the parts of your statement that are not in questat If 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 we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount in either case, we will send you a statement of the amount you owe and the date that it is due. It you fail to pay the amount that we (hints you owe, we may repot you as delinquent. However, If our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your statement And, we must tell you the name of anyone we reported you to. We must tell anyone we repon you to that the mater has been settled between us when it finally is. If we don't follow these rules, we can't collect the first S50 of the questioned amount, even if your statement was correct SPECIAL RULE FOR CREDIT CARD PURCHASES - If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried In good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two tmttations on this right, (a) lrbu must have made the purchase M your home state or, t not within your home state, within 100 miles of your current mading address: and (b) The purchase price must have been more than $50. These trnitatons do not apply t we own or operate the merchant, or if we mailed you the rulyerdsement for the property or services. demand. We wM apply payments it the following manner first to previous late fees, then to Wavle,- cash advances finance charges, then to previous purchase finance diargifti then to current late fees, then to previous cash advance balances. them to ?pf w pufChaSe balances in the order Ow they ware posted to your accotnit, then to current cash advance balances, and then to current purchase balances. 7. FINANCE CHARGES - You can avoid the Finance Charge on purchases by paylfig the full amount of the New Balance of Purchases each month within 25 days of your statement dosing date- Otherwise. the New Balance of Purchases, and the subsequent purchases from the date they are posted to your account, will be subject to Flnaruoe Charge. Cash advances are always subject to Finance Charge from the date they are posted to your account Purchases: We calculate your finance charge by multiplying the average adjusted dally balance (see explanation below), including new purchases, for the bming cycle by the monthly periodic purchase rate and corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum. Cash Advances: We calculate your finance charge on cash advances by multiplying the average adjusted daily balance (see explanation below) for cash advances during the biting cycle by the monthly periodic advance rate and corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum. Balance Computation Method Average Dally Balance for Purchases - The Average Daily Balance for Purchase Transactions Is calculated by adding the Dally Balances (Purchase Transaction) for each day In the billing cycle, and then dividing by the number of days M the billing cycle. To calculate the Dally Balance for purchases each day, we take the following slaps: We take the outstanding balance (all amoudt4 you owe) at the start of the day. Then, in the sequence in which amounts are posted to your account, we add the amounts of all debits and subtract the amounts of all credits or payments which post to your account that day. After applying .payments and credits, we subtract the amount of any unpaid Finance Charges or Late Charges Then we also subtract the amount of any Cash Advance transactions that posted to your account on That day or In any previous day in the billing cycle. This gives us the Dally Balance for purchases Average Daily Balance ltor Cash Adenoes - Cash Advance Transactions which are posted to your account are not included in the Average Daily Balance calculation for purchases. and are therefore not subject to the monthly periodic rate for purchases. The Average Daly Balance is calculated separately for Cash Advances and is subject to the Cash Advance Monthly Periodic Rate. The Average Daily Balance for Cash Transactions Is calculated by adding the Daffy Balances (Cash Transaction) tar each day in the billing cycle, and them dividing by the ntnnber of days in the biffing cycle. To calculate the Daily Balance for cash each day, we take the following steps: We take ate outstanding balance (all amounts you ova) at the start of the day. Then. In the sequence In which amounts are posted to your account, we add the amounts of all debits and subtract the amamts of all credits or payments which post to your account that day. After applying payments and credos, we subtract the amount of any unpaid Finance Charges or Late Charges. Then we also subtract the amourt of arty Purchase Transactions that posted to your account on that day or in any previous day in the billing cycle. This gives us the Da ty Balance for Cash Advance Transactions, Note: Cash Advances we always subject to finance charges and from the day they are posted to your account Payments are applied in the following manner first to previous late fees, then to previous cash advances finance charges, then to previous purchase finance charges, then to current late fees, then to previous cash advance balances, then to previous purchase balances in the order that they were posted to your account, then to current cash advance balances, and then to current purclusa balances. Credits are applied first to the particular type of debt Which is boing credited. if any, and then to the balance of your account. I 64sa' Credit Card Agreement and Truth in Lending Disclosure (continued) I Note also that it the total of the payments and credits vi hich are posted to your account by the Payment Due Date shown on a statement is equal to or exceeds the New Balance shown on that statement, vie will not apply the Monthly Periodic Rate to your Account on your next statement. & DEFAULT - You will be in default if you tail to make any Minimum Payment within 25 days after your monthly statement closing data. You authorize us to transfer funds sufficient to make the minimum payment due it your Visa loan is in defaurLYou agree that we may temporarily suspend your ATM card access if your Visa payment is due for a period exceeding 30 days. You will also be in delauft if your ability to repay us is materially reduced by a change in your employment, an increase in your obilgatiens, bankruptcy or insolvency proceedings invoMrtg you, your death or your bltue to abide by this Agreement, or if the value of our security interest materially deorvtes. We have the right to demand immediate payment of your full account balance it you default. subject to our giving you any notice required by law. To the extent permitted by law, you will also be required to pay our collection expenses. Including court costs and reasonable aftomey fees- 9. USING THE CARD - To make a purchase or cash advance, there are two altemadve procedures to be lollowed. One Is for you to present the card to a parYgipaling Visa plan merchant, or another financial institution, and sign the sales or cash advance draft which will be imprinted with your can). The other is to complete the transaction by using your Personal Identification Number (PIN) in conjunction with the card In an Automated Teller Machine or other type of electronic terminal that p ruvides aaess to the Visa systarn. You agree that you will not use your card for any transaction diet Is Illegal under applicable federal, state, or local law. The monthly statement wig identity the merchant, efectronic terminal or financial institution at which transactions were made, but sale, cash advance, credit or other sops cannot be returned with the statement You will ratan a copy of such sops furnished at the time of the transaction in order to verily the monthly statement. The Credit Union may stake a reasonable charge for photocopies of slips you may request. 10. OVERDRAFT OPTION - It you elect to overdraft to your PSECU Visa Credit Card, that eactron Is subject to the exts*V credh fain and the agreement n represents and the currant loan policy at the time of the overdraft You also understand Chat an overdraft will be considered the same as a cash advance on your PSECU Visa Credit Card and that the current Annual Percentage Rate for rash advances will apply. 11. RETURNS AND ADJUSTMENTS - Merchants and others who tenor the card may give credit for rstums and adjustments, and they will do so by sending us a credh alp which we will post to your Visa line of credit. If your credit and payments exceed whet you owe tn. we will automatically post the excess credit balance to your S I Shares w -,fun T5 days. C the balance Is one dollar or more, upon your written request. we win refund the credit balance to you- 12 FOREIGN TRANSACTIONS - The exchange rate between the transaction currency and the fr7ing currency used for processing International transactions is a rate selacled by Visa from the range at rates avaiable in wholesale currency markets for the applicable central processing data, which rate may vary from the rate 'Visa twit I`Wdves, or a govermrern!-mandated tats In effect for Cue applicable central processing date. to each instance, an adjustment may be assessed based on the ISA fee imposed by Vb& This fee, which otale I % of the trartsection amount will be assessed on all transactions where Cite merdnant country differs from Cite country of the card Issuer. 1J.;. IlTED_ ?VW4SACWNS It you . disagrep of rind an arror.witt a Visa ATM CARD CARDHOLDER AGREEMENT - The Undersigned (you or your), in consideration of THE PENNSYLVANIA STATE EMPLOYEES CREDIT UNION (we, our and us) issuing to you an ATM CARD, hereby agree to be legally bound by the following terms and conditions. You agree that the use of your ATM Card(s) constitutes acceptance of the terms and conditions of this Agreement. You understand that ATM is a credit-related service and you authorize PSECV to obtain a credit report on any users of this account. 1. ACCOUNTS AND USES OF ATM CARD - You have the account(s) (including Checking and Regular Shares), whirls we set forth on your application form with this Agreement- You hereby request that we issue to you one of more ATM CARD(s) to be used In connection with such accounts as described in this Agreement- You understand you may use the ATM CARD at a STAR SYSTEMSO ATM to (1) withdraw cash from. (2) make or arrange for deposits in, (3) effect transfers to or from your accounl, (6) receive information regarding the balance in your account(s) or (5) make cash advances from your credit account(s) in the arnounts you request. You may also use automated teller machines throughout the United Stales and In certain breign countries which bear the PLUS SYSTEM® name and logo (1) to make wtthdrawais from. (2) effect transfers to or from, (3) receive information regarding the balances in your Checking or Regular shares. if you have a Personal Service Loan approved and In place, you may also make a cash advance from your PSL You further understand you may use the ATM CARD to purchase goods and services ('Purchase') at any retail establishment ('Merchant) where ATM CARDS ara accepted by such Merchant. if you use the ATM CARD to make a Purchase to obtain cash. if permi!TW by the Merchant, you shall be requesting us to withdraw funds in the amount of such Purchase (nduding arty cash received from the Merchant) from your Checking Shares and directing or ordering us to pay such funds to the Merchant. transaction, and have tried in good faith to correct the problem with the merchan: or the charges are the result of unauthorized or fraudulent use, or your purchase cost more than S50 and was made from a plan merchant in your state within 100 miles of your home, contact PSECU. You are required to notify PSECU in writing within 60 days following the date on which we sent your statement wherein the error or problem first appeared regarding any discrepancy or unauthorized transaction on your aceounL Telephoning PSECU does not preserve your dispute rights. You may be required to provide us with documentation to support your dispute claims- In addition, you may be required to complete a standard dispute form outlining the details of your dispute. In cases of fraudulent card use. PSECU will also require a notarized affidavit in some cases we may ask you to notify the local authorities. If we do not receive the proper requested documentation in the time specified you may be held responsible for the transaction(s) in question. PSECU must adhere to Odd dispute timeframes set forth by Visa. 14 SECURITY INTEREST -To secure your account you grant us a purchase money security Interest under the Uniform Commercial Code in any goods you purchase through the account If you defauh, we will have the right to recover any of these goods which we have not been paid for through our appllcalkin of your payments in the manner descrilted In the Monthly Payment section. With respect to this accent only, we will not assert any statutory right we may have n you are in detauft to prevent withdrawal of your unpledged credit union shares (Deposits) below the unpaid balance or your account However, d you give or have given us a speck pledge of your credit union shares (its) by signing the Pledge of Shares or omerwise, or any other security Interests lor all your debts. your account will be secured by your pledged shares (Deposits) and by the property described in those other security agreements, except for your hone. 15. EFFECT OF AGREEMENT- This Agreement is the contract which applies to as transactions on your account even though the sales, cash advance, credit or other sops you sign or receive may contain different terms. We may amend the Agreement from time to time by sending you the advance written notice required by law. Your use of the card thereafter will Indicate your agreement to the amendments. To the extent the law permits, and we Indicate in our notice, amendments will apply to your existing amount balance as well as to l Lure transactions. 18. LATE PAYMENT CHARGE - If your Minimum Payment Is not received by the first day of the month following your due date, you will be subject to a S20 charge. 17. RUSH FEES -You may Incur additional charges for rush processing and huh delivery of cards and/or PIN mailer. Ili OVER LIMIT FEE- A $20 tee will be applied for each morAhly statement dosing date on which the outstanding balance exceeds the assigned credit Will by more than 5100. 19. DRAFT COPIES - You may Incur an additional charge for transaction summary/sale draft documentation- 20. COPY RECEIVED -You acknowledge receipt of a copy of this Agreement 21. ILLEGAL TRANSACTIONS PROHIBITED - You agree that you will not use your card for any transaction that is Utegaj under applicable fademl, state, or brat law. 2L NO USE - Inactive rise accounts that have no purchase or cash activity, may be closed without notice to you after 18 months of no adhrity. 23. NEURAL NETWORK - PSECU uses neural network systems to predict and prevent unaulhorbad transactions. There may be occasions when a transaction Is dednipdbecelse n W*11"lliva of_ possible fraudulent activittc in Oils Agreement shall be subject to the rules and regulations of each account which is accessed by such Card. 2 USE OF PERSONAL IDENTIFICATION NUMBER ('PIN-) WITH ATM CARD You understand that a STAR SYSTEMS or a PLUS SYSTEM ATM is an automated teller. If can and will perform many of the same tasks as a human lager. You acknowledge that the Personal Identification Number or PIN which you use with the ATM CARD is your signature, identifies the bearer of the Card to the STAR SYSTEMS ATM, PLUS SYSTEM ATM, or other network ATM and authenticates and validates the directions given just as your actual signature and other proof identify you and authenticate and validate your directions to a human teller You also understand that a Merchant which accepts the ATM CARD for a Purchase transaction may have an electronic terminal (Merchant operated or Sell-Service) which requires the use of your PIN and when your PIN is used at a Merchanrs terminal, h will authenticate and validate the directions given just as your actual signature will authenticate and validate your directions given to us. You acknowledge that your PIN Is an identification code that Is personal end confidential and that the use of the PIN with the ATM CARD is a security devise for your account(s). Therefore, YOU AGREE TO TAKE ALL REASONABLE PRECAUTIONS THAT NO ONE ELSE LEARNS YOUR PIN. 3. LIABILITY FOR UNAUTHORIZED TRANSACTIONS -You agree to contact us at Once if you believe the ATM CARD(s) issued to you or PIN has been lost or stolen or money is missing from your account(s). You also agree that it your monthly statement shows transactions which you did not make, and you do not contact us within 60 days after the statement was mailed to you, you may not get any money lost after that time. YOU AGREE THAT IF YOU GIVE YOUR ATM CARD(s) and PIN Tit cnr,arnuc Cr CC Tn r roc vr„ , m 1v - vr1 run lbu request that we will provide to you such other services or access to other ATM i BEHALF AND YOU WILL BE RESPONSIBLE FOR ANY USE OF THE CARD(S) BY systems or networks using the ATM CARD which we may later make available and THEM. You could lose all your money in the account(s) if you take no action to notify which we advise you are offered in connection with your account(s) sat forth on your PSECU df the loss of your ATM CARD or PIN. Safeguard your Personal application form You also understand that from time to time you may request in Identification Number (PIN). Do not tell or disclose your PIN to any other person. Do writing that we provide access to additional accounts of yours through the ATM not write your PIN on your ATM CARD. Do not keep a written record of your PIN near CARD we have issued to you. You agree that the uses of the ATM CARD described your ATM CARD Do not choose a PIN that is cadiv ,nom r?ti a Electronte Funds Trannsfer. AT&I Agreement and Regulation "E" Disclosure (continued) A new card may be ordered lot you at that time and a •hdd' wilt be placed on your old card. After such time, it you find your old card, destroy the old card by cutf" it in hall. If you atternpi to use your old card. it will not work 4. CHARGES - You agree to pay a 50 cent Gherge for each deposit or withdrawal exceedng 15 a month. You agree to pay the 50 cent penalty charge on any cash disbursement transaction (loan advance or share withdrawal) that is less than S20. You agree to pay a 25 cent charge on each balance inquiry. You may incur a charge for any adJustment that needs to be made to your account resulting from an error you made while making a deposit at an Automated Teller machine (ATM). You agree to pay the charges or transaction fees which are charged by us for these services or for services which may later be offered as such fees or charges may be imposed or charged from time to time. 5. DEPOSITS - You agree that when you make a deposit at a STAR SYSTEMS ATLI that we have the right to verify the deposit before we make the money available to you. K you deriver cash, checks or other items to a STAR SYSTEMS ATM, you understand and acknowledge that the funds from your deposit may not be available for krunediate withdrawal and that the availability of your deposit shag depend on our rules and regulations regarding the Particular account M which you are making a deposit, the Items that you are depositing and whetter the deposit Is made at a STAR SYSTIEMS ATM that is owned by us or another financial institution. You also understand end acknowledge Shat not a0 STAR SYSTEMS ATMs may accept deposits and some STAR SYSTEMS ATMS may limit the amount of funds which may be deposited and that we may not contof these limits. a. LIABILITY - H the ATM CARD Is Issued for a Jolm account, you agree to be )dntly and severally fiable under the terms of this Agreement and the agreement for such account. You agree that H you make deposits or payments to your account(s) with items other than cash (checks, draft or other items) and we make funds available to you from such deposits prior to their collection, you agree that we may deduct the amounts of such funds from your account(s) which are not collected or. If Ole krKh in your account(s) are insufficient at such time, you will promptly pay to .us arty amourn of such funds which are not collected. 7: AMENDMENT OF THIS AGREEMENT - You agree that from time b time we they emend of chatrtge the terms of aft agreement Including amendment or changes to add litter ATM CARD semic:es or to amend of Change the charges for these services. We may do so by notifying you In writing of such amendments or changes and your use of the ATM CARD after the effecilve date of any such amendment or change shag constitute your acceptance of and agreement to such amendment or change. a. OWNERSHIP - You agree that the ATM CARD Is our properly and you will surrender it to us upon our request. You agree that the ATM CARD is non- transferable. 9. DISCLOSURES - You hereby acknowledge receipt of the disclosure statement Informing you of your rights under the Electronic Funds Transfer Act and a copy of this Agreement. t REGULATION "E• DISCLOSURE 1, ELECTRONIC CHECK CONVERSION/ELECTRONIC RETURNED CHECK FEES - H YOU pay for something with a check or share draft, you may authorize it to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees.You are considered to have authGlzed these eleCtroNc funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written aufhorizatiom 7- SUMMARY OF CONSUMER LJABILITY - • ATM, ACH and SST - Tell us at once a you believe you card has been fast or stolen. Telephoning is to best way to keep your possible losses down. You could lose an the money in your account plus your maxkmm overdraft line of credit. H you berneve your card has been lost a stolen, and you tell us within two business days attar you learn of the loss or theft you can lose no more than S50 H someone used your card without your permission. If you do not tell us within two business days attar you learn of the loss or theft of your Card, and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, tail us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have slopped someone from taking the money if you had told us In time. If a good reason such as a tong trip or a hosprlal stay kept you from telling us, we will extend the lime periods. 3. TELEPHONE NUMBER AND ADDRESS TO NOTIFY OF UNAUTHORIZED TRANSFERS - ATM - Contact PSECU at (800) 237-7328 EAT 3808 (nationwide) or (717) 234-8484 fin Harrisburg). After hours, follow the menu options on PSECIfs voice mail system to report a lost or stolen card. For Visa Credit or peon, ! Cards, follow the directions for Lost Card Notification under the trsa Credr I () Card Agreement and Trurh-in-Lending Disclosures section of this document. ACH and SST - Contact PSECU at (800) 237-7328 (nationwide) or (717) 234.5454 (n 1-12rrisburg) Or write to us at Pennsylvania State Employees Credit Union P-0. Box 67013 Harrisburg, PA 17106-7013 PSECU Business Hours: 8:00 a-m. - 5:00 p.m. M - F TOD (800) 472-1967 Nationwide (717) 777-2100 in Harrisburg 4. FINANCIAL 1NSTITUTION-S BUSINESS DAYS - • ATM, ACH and SST - PSECU s Business Days are Monday through Friday, Holidays not included. S. TYPES OF ELECTRONIC TRANSFERS A CONSUMER MAY MAKE - • ATM - Balance inquiries on checking, savings and PSt4 withdrawals from cheddngtsavings; cash advance from PSG deposits to cheddrxysevings; purchase goods and services at any accepting retail establishment- • ACH - Pteauthorized debits and credits to checking and savings. • SST - Balance Inquiries and transaction histories on ail share, certificate and ban accounts transfers from any share to another share or ban account from your PSL to any share or loan 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 for each disbursement (cash advance or wWxkawaQ less than S20; fifty, cents 4u each transaction over 15 per month; 25 cent for each balance ingulry; and there may be an additional charge toe any ad)usim.ent that needs to be made to the account of any member who makes an error while depositing at an Automated Taller machine (ATM). • ACH - 530 service charge for Insufficient funds for each electronic transfer. - SST - none 7. Sl1MMARY OF CONSUMER'S RIGHT TO RECEIVE DOCUMENTATION OF EFT's - • ATM - You are entl led to receive a printed receipt at Vie. time of each transaction. You. wig recehre a monthly statament stw,w!ng the status of your abcatrt. arty t ansac6ons made during the month, and any penalties or charges PSECU may Impose during the month. • ACFI and SST - You wig receive a monthly Statement showing the. status of your accouunt• any transactlans made dining the month. and any penatOas or charges PSECU may impose during the month. • H you have arranged to have a direct deposit made to your amount at least once every 60 days from the same person or company, you can call us at (800) 237-7328 to find out whether or not the deposit has been made. 8. STOP PAYMENT RIGHTS - PRE-AUTHORIZED TRANSFERS - • ATM and SST - Not applicable. • ACH - Rlght to Stop Payment and Procedures far doing so. H you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here's how: Call us at (800) 237-7328 (Nationwide) or (717) 234-8484 (Harrisburg) or write us at Pennsylvania State Employees Credit Union, PO. Box 67013, Harrisburg, PA 17106-7013, In three for us to receive your request three business days or more before the payment Is scheduled to be made. H you call, we may also require you to put your request in wfNng and get it to us wtM 14 days after you can. • Notice of Varying Amounts. It these regular payments may vary in amount, the person, you are going to pay will tag you, 10 days before each payment, when k will be made and how much It win be. You may choose Instead b get this notice. only when the payrnant would differ by. more than a certain amours from the previous payment, or when the amount would fan outside certain lunge that you SOL • Llabllity for Fallure to Slop Payment of Preatdhortzed 7lansfers, H you order us to stop one of these payments three business days or more before the transfer Is scheduled. and we do not do so. we will be liable for your losses a damages, unless we request and do not receive written confirmation of an oral stop payment within 14 days and the transfer takes place attar 14 days, or you fall to give us proper instructions that would enable us to place the stop on fie transfer. 9. SUMMARY OF THE FINANCIAL INSTITUTION'S FAILURE TO MAKE OR STOP CERTAIN TRANSFERS - • ATM - If PSECU tells to complete a transaction on time or in the tarred amount. when property instructed by you. PSECU will be Habte for damages caused by our failure unless: (1) there are insufficient kinds in your account to complete the transfer, (2) the funds in your account are uncollected; (3) the funds are subject to legal process; (4) the transaction you request would exceed the funds In your account plus any available overdraft protection: (5) the STAR Systems, PLUS system has insufficwnt cash to complete the transaction; (b) your card has been reported lost or stolen and you are using gee reported cant; (7) PSECU has reason to believe that the transaction requested Is unauthorized: (B) the fail- ire is due to an equipment txeakdown alai you know about when you started he tansaction at the STAR Systems, PLUS System; (9) the failure was caused k- a.. act Of God. fire. or other catastrophe, or by any other cacse beyond control, (10) it you attempt to complete a transaction that, at a STAR Systems, PLUS System, or merchant terminal Vial is not a Electronic Funds Trans/er. ATM Agreemen{ 2nd Regulatloa Orsclgsure (conrinued) permissible transaction fisted above; or, (11) the transaction would exceed :he searriy runtations on the use of your ATM CARD. • ACM and SST - 11 PSECU !arils to complete a transaction on time or in the correct amman, when properly instructed by you. PSECU wilt be liable for damages caused by our failure unless: (1) there are insutfioent funds in your account to complete the transfer, (2) the funds In your account are urycotected; (3) the funds are subject to legal process; (4) the transaction you rea)uest would exceed the funds in your account plus any available overdraft txedit; (5) PSECU has reason to believe that the transaction requested is unauthorized: (6) the faithce vies caused by an act of God. Ore, or other catastrophe, or by another cause beyond control. In any rose. PSECU shall be liable only for actual proven and not consequential damages it tie fallure to make Ore transaction resulted from a bona fide error despite PSECU's procedures to avoid such errors. 10. DISCLOSURE TO THIRD PARTIES - • ATM, ACH and SST - PSECU will disclose information about your account to third parties: (1) when It is necessary to complete transactions; (2) to verify the existence and standing of your account with PSECU upon request of third party, such as a credit bureau; (3) to comply with government agency or court orders; (4) In accordance with your wrfftw permission: (5) to comply with government or administrative agency summonses, subpoenas, or court orders; (6) on receipt of kartlOcatfon from a Federal Agency or department that a request for information is in compliance with the Right to Froncial Privacy Act of 1978; Regulation F. Privacy of Consumer Finandal Information: and (7) when R is necessary to take legal action to recover shares. 11. STAR SYSTEMS SERVICES - • ATM Only - You may use your ATM CARD with your Personal Identification Number (PIN) at STAR SYSTEMS located in Delaware, Maryland, New Jersey and Pennsylvania to conduct any of the following transactions for the accounts accessed by your ATM CARD. e) Determine the account balance(s) of your Checking your Regular Shares, and your Personal Service Loan (PSL). b) Withdraw cash from your Checking and your Regular Shelas. c) Make a cash advance from your Personal Service Loan (PSL). d) Deposit currency, checks, or drafts (coins are not acceptable) for Ini smission to PSECU for deposit in your Checking and your Regular Shares. NOTE: There are limited locations In Maryland where deposits may be made. We wish to inform you that some ATMs located In these areas may only provide access to your Checking, your Regular Shares, and your Personal Service Loan. Not all ATMs may accept deposits. There may also be limits on the amount of funds which you may deposit In certain ATMs. 12-PLUS SYSTEM' SERVICES - • ATM Only - You may use your ATM CARD with your Personal Identification Number (PIN) at any PLUS SYSTEM automated teller machine (PLUS SYSTEM ATM) located throughout the United Shales, Puerto Rico, Canada, Great Britaln and Japan to conduct any of the following transactions on the accotahts accessed by your ATM CARD. a) Determine the account balance(s) of your Checking, your Regular Shares, and your Personal Service Loan (PSL). b) Wnihdraw cash from your Checking and your Regular Shares. c) Make a cash advance from your Perssnal Service Loan (PSL). NOTE. Deposits are not avafW* through PLUS SYSTEM ATMs. These are the STAR SYSTEMs services currently available through the PLUS SYSTEM network. Other services may be offered In the future. 13. OTHER ATM NETWORK ACCESS - • ATM Only - From time to tune. PSECU may make arrangements with other ATM networks to grant access to ATM CARDS. PSECU shall inform you when such arrangements are made and describe the services that are available to you. Any changes will also be described. 14. PURCHASE TRANSACTIONS - • ATM Only - You may use the ATM CARD to purchase goods and services ('Purchase') at any retail establishment ('Merchant) where ATM CARDS are accepted by such Merchant The amount of all such Purchases wit be deducted from your Checldng. When you make a Purchase using the ATM CARD, you will be requesting PSECU to withdraw funds from your Checking In the amount of the Purchase and directing PSECU to pay these funds to such Merchant I5. LIMITATIONS ON THE USE OF YOUR ATM CARD - • ATM Only - You may withdrew up to 5500 per day from one or a combination of your accounts by using a ATM CARD provided the funds are available at a STAR SYSTEbts or PLUS SYSTEM ATM. In addition, you may withdraw!purCKM up to S500 2t point of safe locations. PSECU reserves the i right to reduce this Caily limit 3t any time. In the event that your daily fimit is 1 less than SS00, PSECU -,It advise you of the new limitation. The day for withdrawal limits starts at 12 midnight each day and ends at 12 midnight the next day. For security purposes, there are also certain daily limitations on the frequency of use of Me ATfA CARD. However, these limitations are not revealed for security reasons. The Pennsylvania State Employees Credit Union is not obliged to maintain such limitations You will be denied use of your ATM CARD it you exceed the daily withdrawal1purchass limit. if you do not have adequate funds available in your account, do not enter the correct Personal Identification Number (PIN), or exceed the frequency of usage limitation The receipt provided by the STAR SYSTEMS or PLUS SYSTEM ATM or Merchant terminal will notify you of the denial. There is a limlt on the number of such denials permitted. Attempts to exceed the limil will result in machine retention of our ATM CARD. The number of atempts that result in machine retention is not revealed for security purposes. 15. ERROR RESOLUTION PROCEDURES - • ATM, ACM and SST - In case of errors or questions about your transactions: Direct hquhies to PSECU at (800) 237-7328 Nationwide, TOO (800) 472- 1967 Nationwide, (717) 777-2100 in Harrisburg. or write PSECU at Pennsylvania State Employees Credit Union. P.O. Box 67013, Harrisburg, PA 17106-7013, its soon as you can if you think your statement or receipt is wrong. or K you need more information about a transaction Gated on the statement or receipt PSECU must hear from you no later than W days after it sera you the Ors! statement on which the problem or error appeared You must provide the following information. (a) Your name, account number. and ATM CARD number (if a ATM transaction), or reference number ('rt. Self- Service Telephone Transaction); (b) Describe the. error or the transaction you are unsure about, and explain as clearly as you can why you believe a is an error or why you need the information, and; (c) The dollar amount of the suspected error. If you tell PSECU orally, you must send your complaint or question In writing within 10 business days. PSECU will tell you the results of the investigation within 10 business days for STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE TELEPHONE, or DIRECT DEBFUCREDIT TRANSACTIONS, or 20 days for STAR SYSTEMS purchase transactions. If we need more time, however, we may take up to 45 day:?Jor STAR SYSTEMS, PLUS SYSTEM. SELF-SERVICE TELEPHONE, or DIRECT DEBIT/CREDIT TRANSACTIONS or 90 days for STAR SYSTEMS purchase trarsactons if PSECU decides to do this, it will recredlt your account within 10 business days for the amount you think Is in error if It Is a STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE TELEPHONE, or DIRECT DEBrT/CREDfT transaction, or 20 business days if it Is a STAR SYSTEMS purchase transaction- You wun have the use of the money during the nam it takes to complete the irrvestgatlon- It PSECU does not receive your complaint or question In writing within 10 business days, PSECU may not reae dil your account It PSECU decides More is no eror, you will be advised within three business days after the hweetgetlon Is completed. You may ask for copies of the documents PSECU used in the investigation. If PSECU credits your account while investigating, you must repay those funds it PSECU concludes no error has oceured. 17, ATM SURCHARGE -1f you use an ATM that Is not operated try us, you may be chaip9d, a fee by the ATM operator and by any national, regional or local network used hisn3cessing the transaction (and you may be charged a fee for a balance inquiry evert if you do not complete a fund transfer). The ATM surcharge will be debited from your account it you elect to complete the transaction. Notice To Consumers Using ATM's • Be alert to your surroundings. If you doubt the safety of a particular location, chose another ATM. • K the ATM has an entry door, close tho door prior to initiating your transaction. • Put your cash away immediately. • Direct complaints concerning ATM security to an appropriate department of the owner of the ATM. New Jersey residents: you may call the New Jersey Department of Banking at (6091 292-7272. 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C Mmr)m m MMMVVV ffYVfQ VV1N?V1N V/hV1?/1V)-O n 040 c to L Y O ] o O g4 ENOL ° c° o $ Ea OC v^ °t+ N t wny °°-° Cj -5 i c on r-" °O•^? i e?g `off c _ cc ri -o°D ° Oo Oul^•o NOVr.nv Pf VMa/m °'?^+-rl0'f0 NnPMOv _ O $ a O'c o o z •a .8 a v ° C T OOOPNP MOOcD0 V1 `ON mvvf vv^m-vf ° ?- ?? c-L o8L^ u ac?1 ° o OOOMlO? MOODLn vN OP".Oulu =OOP coc,=o .] OOOnLno Vl vlef of fMt7MMM rI F,MMN NNNN v°?aEP `a 66606o 000000 000000 000000 ooc)ono 27N! 1 .-NMVV7 0 ^mP c7v?n Grim o-o-NNNNC7v 'n'o ri m Po U V;E T c°i o y $6Tl o cc E<ci y w F1 -NN NNN NNC'1 3 O PENNSYLVANIA STATE IN THE COURT OF COMMON PLEAS OF EMPLOYEES CREDIT UNION, CUMBERLAND COUNTY, PENNSYLVANIA PLAINTIFF ,_> , , C= ha ? . + ? V. -- a ALEXANDER O. SANDER, N ei DEFENDANT NO. 07-5491 CIVIL ORDER OF COURT cam. AND NOW, this 21s'd ay of June, 2011, upon consideration of the Plaintiff's M fon i Amend Caption, IT IS HEREBY ORDERED AND DIRECTED that: 1. A Rule is issued upon the Defendant to show cause why the relief requested should not be granted; 2. The Defendant will file an answer on or before July 12, 2011; 3. If no answer to the Rule to Show cause is filed by the required date, the relief requested by Petitioner shall be granted upon the Court's receipt of a Motion requesting Rule be made Absolute. If the Defendant files an answer to this Rule to Show Cause, the Court will determine if further Order or hearing is necessary. 4. The Prothonotary is directed to forward said Answer to this Court. By the Court, M. L. Ebert, Jr., J, Shawn M. Long, Esquire Attorney for Plaintiff n Alexander O. Sanders M Defendant ?PIPS bas d No. 07-5491 FILED-Oi= FICE 00 fH PROTNONOTAF u 2011 AUG -4 AM 10: 40 BARLEY SNYDER LLC CUMBERLAND COUNTY Shawn M. Long, Esquire PENNSYLVANIA Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 Attorneys for Plaintiff (717) 299-5201 Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW V. ALEXANDER O. SANDER, Defendant No. 07-5491 MOTION TO MAKE RULE ABSOLUTE Plaintiff, Pennsylvania State Employees Credit Union by and through its counsel, Shawn M. Long, Esquire, hereby files this Motion to Make Rule Absolute: 1. On June 13, 2011, Pennsylvania State Employees Credit Union ("Plaintiff') filed a Motion to Amend Caption ("Motion") A copy of the Motion is attached as Exhibit "A" and incorporated by reference. 2. On June 5, 2011, Plaintiff mailed a copy of the Motion and Order to the Defendant. A copy of the Certificate of Mailing and Certificate of Service are attached as Exhibit "B" and incorporated by reference. 3. On June 21, 2011, The Honorable M. L. Ebert, Jr., issued an Order issuing a Rule (the "Rule") on Defendant to show cause as to why Plaintiff's Motion should not be granted. A copy of such Rule is attached as Exhibit "C" and incorporated by reference. 4. The Defendant was to file an Answer on or before July 12, 2011. 3286429_1 No. 07-5491 5. There is no Answer or Objection to the Rule as of the date of filing this Motion. 6. The Plaintiff wishes to make the Rule absolute. WHEREFORE, Plaintiff respectfully requests that this Court make absolute the Rule to Show Cause issued on June 21, 2011 and cause the attached Order to be submitted to the Judge who is assigned to this case, to make the Rule absolute. BARLEY SNYPIER LLC By: 'Shawn M. Long, Esquire Attorney for Plaintiff Court I.D. No. 83774 126 East King Street Lancaster, PA 17602-2 S (717) 299-5201 32864291 No. 07-5491 BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. ALEXANDER O. SANDER, Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 07-5491 CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing Motion to Make Rule Absolute has been served this ,day of August, 2011, by first class mail, postage prepaid, upon: Alexander O. Sanders Alexander O. Sanders 209 South 2nd St. 413 3rd St. Lemoyne, PA 17043 New Cumberland, PA 17070 BARLEY SNYDER LLC By kA I 1 .4 ., CAA h ?- Kelly Cunnee#, Paralegal 126 East King Street Lancaster, PA 17602-2893 (717) 299-5201 32864291 EXHIBIT "A" BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 No. 07-5491 c .-, rn Ca r*1 c_.. =-n x ::o D r ?. Pt ? -< w ?E5 Cl _V c 5_ rv -1 rn - Attorneys for Plaintiff __q . > Pennsylvania State Employees Ciet lrn"ion? PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. ALEXANDER O. SANDER, Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 07-5491 PLAINTIFF'S MOTION TO AMEND CAPTION 1. On September 17, 2007, the above-captioned matter was initiated by Pennsylvania State Employees Credit Union's ("PSECU") filing a Complaint (the "Complaint"), a true and correct copy of which is attached hereto as Exhibit "A" and incorporated herein by reference. 2. On April 13, 2011 a judgment was entered in favor of the Plaintiff and against the Defendant. 3. Plaintiffs Complaint contains a certain typographical error identifying Defendant "Alexander O. Sanders" as "Alexander O. Sander." 32229311 4. Accordingly, the instant action was erroneously and inadvertently brought in the name of "Pennsylvania State Employees Credit Union, Plaintiff v. Alexander O. Sander, Defendant." 5. The instant action should have been brought as: "Pennsylvania State Employees Credit Union, Plaintiff v. Alexander O. Sanders, Defendant." 6. The typographical error has recently been discovered by Plaintiff. 7. Amending the caption will not prejudice the Defendant. WHEREFORE, Plaintiff respectfully requests that this Court enter an Order amending the caption in this case to read: Pennsylvania State Employees Credit Union, Plaintiff v. Alexander O. Sanders, Defendant. Date: f 10/1 1 T BARLEY SNYDJ?R LLC By: Shawn M. Long, E uire Attorneys for Pla' tiff, Pennsylvania S to Employees Credit Union Court I.D. No. 83774 126 East King Street Lancaster, PA 17602-2893 (717) 299-5201 3222931_1 2 No. 07-5491 BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff v. ALEXANDER O. SANDER, COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 07-5491 Defendant ORDER AND NOW, this day of Motion to Amend Caption, 2011, upon consideration of Plaintiff's IT IS HEREBY ORDERED that the caption is amended as follows: Pennsylvania State Employees Credit Union, Plaintiff v. Alexander O. Sanders, Defendant. BY THE COURT: J. Distribution: Shawn M. Long, Esquire Barley Snyder LLC 126 East King Street Lancaster, PA 17602-2893 Alexander O. Sanders 209 South 2nd St. Lemoyne, PA 17043 Alexander O. Sanders 413 3rd St. New Cumberland, PA 17070 32229311 CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing Plaintiff s Motion to Amend Caption was served this A`fay of , 2011, by first-class mail, postage prepaid, upon: Alexander O. Sanders Alexander O. Sanders 209 South 2nd St. 413 3rd St. Lemoyne, PA 17043 New Cumberland, PA 17070 BARLEY SNYDER LLC By: _ z??_ hawn M. Long, Esq e Court I.D. No. 8377 Attorneys for Plain , Pennsylvania State Employees Credit Union 126 East King Street Lancaster, PA 17602-2893 (717) 299-5201 32229311 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff NO. pi -J l CIV I T" VS. ALEXANDER O. SANDER Defendant : CIVIL ACTION -LAW NOTICE TO DEFEND Pursuant to PA RCP No. 1018. I 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 are warned that if you fail to do so the case ma against you. You y 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. IF YOU CAN NOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Assoication 32 South Bedford Street Carlisle, PA 17013 N 1-800-990-9108 (717)249-3166 - _ r- - m 'C N 5 v Doc - t N: 1800-57-1 ROM y t ' EN LA CORTE DE ALEGATOS COM iJN DEL CONDADO DE CUMBERLAND, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff . NO. VS. ALEXANDER O. SANDER Defendant : CIVIL ACTION -LAW AV I S O PARA DEFENDER Conforme a PA Num. 1018.1 USTED HA SIDO DEMANDO/A EN LA CORTE. Si usted desea defender conta la demands puestas en las siguientes paginas, usted tienen que tomar acc16n dents veinte (20) dins despuds que esta Demanda y Aviso es servido, con entrando por escrito una aparencia 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 falls de hacerlo el caso puede proceder sin usted y un jazgamiento puede ser entrado contra usted por la Corte sin mss aviso por cualquier dinero reclamado en la Demanda o por cualquier otro reclamo o alivio solicitado por Demandante. Ustedpuede perder dinero o propiedad o otros derechos importante para usted. USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSEGUIDA. S1 USTED NO TIENE UN ABOGADO, VAYA O LLAME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACI6N DE COMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGARLE A UN ABOGADO PUEDE PROVEERE INFORMACION . ACERCA AGENCIAS OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ REDUCIDO O GRATIS. Cumberland County Bar Assoication 32 South Bedford Street Carlisle, PA 17013 1-800-990-9I08 (717)249-3166 ESTA OFICINA QUE PUEDAN UN HONORARIO Docwwnt #: i8w57.1 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff VS. ALEXANDER O. SANDER Defendant NO. 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, Alexander O. Sander, is an adult individual with a last known address of 209 South 2nd Street, Lemoyne, PA 17043. 3. Defendant is, and at all relevant times material hereto has been, the primary loan applicant. 4. Defendant applied to Plaintiff for a loan for the purpose of purchasing a motor vehicle. 5. The loan application submitted by Defendant was approved by Plaintiff and Defendant signed a Loanliner Advance Proceeds Check for the purchase of the vehicle. A true and correct copy of said Loanliner Advance Proceeds Check is attached hereto,. incorporated herein and marked as Exhibit "A". oo n wnt a: 18WJ7.1 6. Pursuant to the Loanliner Advance Proceeds Check marked as Exhibit "A", Defendant agreed to the terms and conditions of the extension of credit as set forth in the Loanliner Credit and Security Agreement (hereinafter referred to as "Contract"). A true and correct copy of the Loanliner Credit and Security Agreement is attached hereto, incorporated herein and marked as Exhibit "B". 7. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms and conditions of the Contract marked as Exhibit "B". 8. Various charges were made by Defendant on the account. 9. Plaintiff provided a letter to Defendant stating that the vehicle purchased by Defendant was deemed repossessed. The letter further advises Defendant that unless payment in full was made on the outstanding loan balance, the said vehicle would be sold at a public sale and Defendant will be responsible for any resulting deficiency. 10. As a result of Defendant's failure to cure the default in payment, and pursuant to state law remedies, Plaintiff sold the vehicle at public sale. 11. Plaintiff provided a letter to Defendant indicating that there was a resulting deficiency after the sale of the vehicle. 12. Plaintiff has maintained a statement of account keeping an accurate and running amount of debits and credits made on Defendant's account. 13. Plaintiff has submitted to Defendant a copy of the statement of account accurately showing all debits and credits for transactions with Defendant. 14. Defendant has not objected to any of the monthly statements of account submitted by Plaintiff to Defendant. Dmument s: isoos7. i 15. Despite Plaintiff's reasonable and repeated demands for payment, Defendant has failed, refused and continues to refuse to pay all sums due and owing on Defendant's loan account balance, all to the damage of Plaintiff. 16. As of September 7, 2007, the balance due, owing and unpaid on Defendant's loan account with Plaintiff is the sum of Seven Thousand Four Hundred Ninety-Four Dollars and 47/100 ($7,494.47). 17. Pursuant to the terms and conditions of the extension of credit contained in the Contract, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest charge on the principal loan balance. 18. Due to the default of the Defendant and pursuant to the terms and conditions of the Contract attached as Exhibit "B", attorney's fees in the total amount of One Thousand Five Hundred Twenty-Three Dollars and 84/100 ($1,523.89) have been added to the account. 19- Any and all conditions precedent to the bringing of this action has been performed by Plaintiff. 20. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. Document #: 18w57.1 WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, respectfully requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant, Alexander O. Sander, in the amount of Nine Thousand Eighteen Dollars and 36/100 ($9,018.36), plus interest, the costs of this action, and such other relief as the Court deems just and proper. Respectfully submitted, VAN ECK & VAN ECK, P.C. By: Melissa L. Van Eck, Esquire Attorney I.D. No. 85869 P.O. Box 6662 Harrisburg, PA 17112 717.540.5406 Document d: 180057.1 VERIFICATION 1, 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 PaC.S. §4904, relating to unworn falsification to authorities. Pennsylvania State Employees Credit Union By:_ Title: ('C-1 ?--c f.?•,, s Date: a--? I f 3/ (-. i Document H: 180057.1 EXHIBIT "A ADVANCE PROCEEDS VOUCHER AND SECURITY AGREEMENT ALE ANDER U SANDERS 3031 GU MEVEIRES DR HARRISBURG PA 17110 L??t-Ebrw?wm,r I ?=tmew?mm oaullrinr?Lrrioir. N?le.ete?. e? ?v,w. aa. moaot, a.utacxrs nes:gvtu state BMIOYes Qedt Union R O Boot 67013 . A4 171M7013 -ps-F-* (717) 234-8484 the financial Ankm, (800) 237-7328 03M05 I 8401105740110 0004439310 PRIVATE PARTY ?o®caeq a? OUM NOIRE eounr SCANNE PEMNSYCVANIA SDCTF EMPLOYEES CfiEDry' (1MON FOf?M p175 .N700D100.1 03T t (y- Application Received 03M 120U5: Tim Race ived: Branch Source Source of Repayment Secondary Source of Repayment Product Application Loan Type: Purpose: IMPORT-1 1286 -- Goss Ref tk:C Scheduled auto transfer : v DL - Direct Loan - Vehicle ban (23) f Regular ?+ ?: Preappt-v4 Auto ban . Dealer: -:.:.:.::::::: ..... :::::::::::::::::: - ... ......... Auto ban - Lease ....... Auto ban Auto ban-P&ateParty:•:•:•:-:•:• '•:-:-:-;•:•:-:•:-:- Auto loan - Member Auto ban - Re«ea'6onalVehide;-' •:'--:•:.-•-.•.'•'•'-:-:--•:-.•:--.•.-•-•- ;Auto ban Specific Use of Proceeds: :...... :•:-:•:•:•:•:•:•:::::::::::::::::::::::•:•:•:•:•:•:-:•:•:•:•:•:•:•:•:•:•: CreditBureatr)Expeian. ApplicationInformetionT Tile Fist Middle Last Suffic Name; :? DER •:•: 0 •.- •.•. SANDERS .•. _ .•_ . : ?' Birth Date: 0/1986 ;.. SSN: 133243::_ :: Total Number of People in Househol Gbzenship: US Glue, Borrower Type-Applicant Spouse of Bofrower 'No • ? Marital Status: Mother's Maiden Name: :•:•:-:•:-:•:-:•:-:•:•:• CB PIN: Emak BADBLACK02F000S@AOLCOM :: AKA/FK - .. Application 10: 443931 W.fam a :: Apt lBldg /u61 Number Dir Street Name Dir Type Type Number • Standard ®t _ UINEVERES??w"?? j s'?? Rural Houle 3 Route/MTdaryTymf---- Number:?•:?:-:. Box[•"--•--"•1 PO Box PO BoxCounty.' ........ _ .. ' .:3 Line 2 APT Bl City flISBURG State PA Zp 17110 - r Proms C-ot"rY- Postal Code: Phonc 7J 651-0618: Ext [:A Residential Statux I fleets Time at Address Uyrs 1:9 mtFn Celdar. s r:Phone number verified.: Address verfied;:; -:-: m ,Appicant's maing address is the same as the current address.:;- W _C'.olect Previous Address Information. PositiorcrMANAGER ...... • Y Unemp/St<a<feTAMOmernalu?r ..... ~ Active duty military member: Enpbyer Name ONALDS i h 7j 7741027: Est 0 y :::: State:: Verification Phone: .. . Borrower Codec INoirEmployee Loan .......... _ .................. Time at Pres. Employer. KI yrs EA mths Incomes Gross Salary.: ::2400000 Pay Basis: Proof of income received '- i-pry,-- ` . s ?- Emploprnenl verified :::::: •. OT/BonusX..:::::::::{100 .?- Incanever7ed;:;:;•:•:•:•:• Other Income: :::::::4576.00 t Souce Part T-me/SecondJab Ak MV. dAd support & separate maintenance income creed not be revealed i you do rat wish to have k c=idwed 4aieviaus Eerpioyrrient lrr(amnatiorL:::::- Collateral to aft New car. buck. StN, van r 2M >.r >.r 1998 HUNDA CIVIC 1HGEJO147WL035341 Value:8320:00 BasirKeley Blue Book Std Adv Vat 10816.0 ................................................................:iTdetr TOColateralVakie: -'•:8320.00 Standard Advance:: ::_:1081&00 Standard Advance %::_:130 Exist Liens Not Refs 0. New Loan Request Loan to Std Advance: Credit Limi % Maximum Loan Amount Loan To Value: 100.00 Purchase Details Seling Price: :0.00 Dow payment : Rebate/Other Equdy.:-:0.00 Net Trade In Amount T ax Rate (%t Tax Amount : Q 00 Title:: License:::::::: Amount to Finance::: Cndkm ? Account Humber Pwwt Balance T LastAd Date Po EsSWW Papwt 157 63211 1 housily ISO 0 H Afik chid sup. court ordered 0 0 1 Adpmbmt 0 0 A FRO MOTOR CR 37846531 178 8558 1 03/M S1 Debt Ratio: :;:::14 LC DeM Raba :-:-:14 Total S1 Pats: 485 S1 Proi Debt Ratio EA Original Applicatio" Factors used in Automated Oecii- ' Housing Pmt -:•:- :_:_:.150 OthmEvenser App6cationLoan Pmt Total Montf*A(t LC Prof Debt Ratio 0 Total LC Pmts: ::178 Current Application Factors being utilized by Undenwita Housing Pmt T otat Mord*Acft MontMy Income Summary Grosslncome •:•'-_-:c r OT/BonuslCorw issierc • Other Incow Individual Total IrKxmw Combined Income: Other EWenser- LC Prof Debt Ratio: LA Ratios RevoFAV 0ebt,[EO 0 Housing Debt EE W Total Revolvsrg Lrw ::E: • 0 Net DaposaMe Debt EM Application Loan Pmt ?? 15 Total LC Pmts: .17& Residual Income Summary Total Incmw - Residual Act - Total AN Puft Net Residual Inc:::::: 1 Net Disposablelncome ?-1 Prodtxti it of Payatentz PWnent Penod . IR? Total Amwtt Fnanced ::::832000 Total Colateral Value::::: _: 832Q00 Combined LTV: - 700 E stimated Payment ::::::::15696 Total Debt with Ur ::,:::832000 Current System Decaron/Reconmendatiorc prove::•:-:•:•:•:- Decision Party. Application Score :187 Cutdf :195 Score Sumtatirc Boaower Bureau Model - Score Missing Fields -?~ MMD- S Trans Union EMPIRICA 950 08 SANDERS ALEYANDE Trans Urim Wid0iredit Foal S 187 0 SANDERS,ALEXANDE TramUrron LkKidCredit AAV S 31 Martial Loan Number = Loan Date- IRgiV??:1 Loan Number: Sulfoc Disbursement Date: Reported Amount ::::•:•:-::_:000 Matuity(D-1Date:03f21/2Dt0:• PMkvy Collateral Code: iVehk;blo n Down Payntertt F--""-",0-001 ._ Funds Request: I r ew c : 3 New Funds Amt::::.::832&00 Payment Type lineament Interest Accrual ActuW365:.+ Payment ::.: _:.156 90 t Total R equestedAmount :•:-:.:.:-0320.00 Interest Rate:: Fi?alPayment: ::::.156 Loan Amount: ::.:...832000 Maitirttm Term:+ Total Financed Feex ::::-:-:•:-:Ii00 + Total Fnanced Insurance::::: Interest Rate Lookup: a Total FnartcedArrtt :....:.... 0 . • Use Decision party ?: rate- Rate Type: fF; .... _ .....::.=. Lock :'rate- Rate Lock Date: CJedt Lire SOectiorr Nave . Plan Geed1 Lle Irueranex .... _ : Daabity Sekctioer tN - } ? ....... _W.. Y .. • • - :..................... 1 Coverage for ant SANDERS.ALDWWR 0 (577.1 ............ Ceedd Lie (Deaeasi V) Gedt Lie (Level) Disalk Premiun?PaidinCash: IrmxedAmount :•:-:::_:-:•:.p00 ;:-'-::: -:•x100 :_:.:-: _ MwO Benefits Prerreiuet Y, Cost Peg Day. End Coverage Date_ Coverage Tema = ?- 1 ?- -- . Date keterest Pr" Balance pawaw CL Paa Da Prm 04/21 34.12 122_86 8,197:14 156_98 0 00 05/22/33.62 123_36 ................. T 8,073_78 .... . 156.98 0 0 06/21/34.22 122.76 ts ......... 7,952.02 ........ _ . - 156.90 0 00 07/ZJIL/Z OS . 61 ..... 3. 224.37 -• ............ 7,826.65 . - 156.98 0 00 08/21/2005 33.17 123-81 ............ 7,702.84 - ........ 156.98 0 ....... ! 09/21/2005 32.65 124-33 ..................... ......... 7,S70-Si . _.. . 156.98 0 00 : 10/21/Z00 S 31.08 125.90 .......... . ..---•---•• ... ......... - 7,452.61 .. . -•• ............... 156-98 0 00 " - 11/21 ... 5 31.58 1ZS.40 . ........ 7,327.21 . 156.98 0 00 0. 00 .. . . . ._ i F ..... 2005 30.05 126.93 7,200.28 . 156.98 ? 0 00 •?- " " " -- O1/Z1/ZOOS . . . . 30_S2 . _ _ . 126.46 •-._._._._... ----- 7,073.82 . .....•.- 156.98 0 00 = 02/21/2006 29.98 127_00 6,946.82 _ _ . !56 98 03/21/2006 26.59 130.39 .................... ?........ 6,816_43 . _ 0.00 . _ _ 156.98 0 00 0 _ . € 04/21/2006 28.89 128-09 .................. ._.. ............ 6,688-34 . . ............ 156.98 _ 0 0._00:•:•:• _ ' 05/21/2006 27.93 ...•....•-,....... 06/21/2006 ..._.. 6,558_79 ._ -.. -... 156_98 0-00 0_00::; .......... 0 : _ 27.80 129.1@ 6,429.61 __ . 15 6 98 • .... " " ' . 0 ..00. 0 00 .:.. APR: -4--9M Interest Payments::-:•:_:_x160 - :34.22 q of Inter t P es Total lnterest ::•:-:•:-.ip98-78 Total Payment :: •:•:-:-::94187@ Ilitp( - P?[i??+$sM?l02r j EEE Number of Pats- Pmt p,,& " ex+ttety •: 1st Payment Date 04Lfi1l 05 f1Xrd d March? 'arty State:• . W DedsiordRecoawendationApprwe', DemmPait Decision Based upon ReviewApprovals 8ebrr Appkation Score :.:187 Cutatf Reasons (a _Revierc _ _?_ Review DedmAbove: Ieview-Abrm"Creditleport. KEXNDER SANDERS) (Experian ): Decision ove :: ::::: Current Status: ckve :::::::::::::.•.-.'- ........... Underwriter System;:::::::::::: •: • 03/21/20051& _59 24: Max Sys Approved Amt Reasons to Override; :..........................:.................:. Field Label Value 1 Member. Code 0 Current PSLV SAC If HELOC, inx? adv alit 0 ' D - Proceeds into Sl a S4 'XNET-XNETRE.XPHONE,XPAPRE. XPHONE t D•rsclai mAmwerAYES or CYES AYES member r ed # of rats g0 Types AA ...... _ . _ ... '= :: ="' '• 3I2112005134903 General Applr?ow:......: 36/CELL n 7 85s 8122: ::::::: ::::::::::.:.:. . ..-.-. EXHIBIT `B" i f i i PSECO Pennsvlvania State Employees Credit Union P-O.6ox o70 f3 • Harrisburg, PA 17106-7013 • (717) 274-8$94 Harrishrg, (800) 237.73?81k:rionwide the financial finks Loan Disclosures This LOr1NLINEW Credt and Security Agreement. which includes the Truth i Lending Oh dosues, will be referred to as the Plan. The Plan documents include tr* agnemam and an Addandua. You, your and borrower mean any person who sfgre to Plan. Credit unlon, we. our and us mean PSECU or anyone to whom the Cred Union transfers its rights under the Plan- HOW THIS PLAN WORKS - This is an open-end, mule-featured credit plan We rtuhtlcpate that, tram time to dime. you will borrow money (called 'advances') under the Wan We are not required to make advances to you under the Plan and car refuse a request for an advance at any time. The Addendum describes the different types of credil (called 1subaecouats7 available under the Plan, the currerv Interest rate for each subaccount expressed as a daily periodic rate and corresponding annual percentage rate and other charges. It may also have other Minns and a schedule for determining the payment amounts. CREDIT LIMIT - We may, but do not have to, establish it credit Rmft on certain subatWu ift d a credit knit is sal lot a subaccount, you promise not to exceed the established crack Luria It you exceed the credit limit, you promise to repay hrnedletefy, the amount which exceeds the credit limit. REPAYMENT - You promise to repay all amounts you owe under the Plan plus kHerasL Payments are due on On last day of he month unless we set a different day at the dime of an advance. N the Addendum has no payment schedule for a subaoeocrt, you parwit will be determined at the time of each advance. Payments must Include de any amount past due and any amount by which you have exceeded any you have been given for a subaccount. You may repay ail or part of what you owe at any time wtout any p(epayment penalty. Even if you prepay, you will still be requited to make the reguiary scheduled payments unless vw agree in wri&V to a charge In the payrnert schedule- It you have a joint sheredat aooouni. you will be responslbts for paying all overdraft advances Obml ed by a joint holder of the shavedraft account. Unless otherwise required by IsK Payments applied to amounts owed wrier, the Plan, to the manner Cledill t the PLAN ACCESS - YOU con oblate credit advances in any manner authorized by us. if hne allow you to use your ATMIOebil card to access the Platt you may be table for the unwilhormed use d'your AT WOobb card. You will not be fable for u suitwrized use old., . , " , after you notify us, orally or in wafting, of the loss, theft, or possible u sell hertted use. It you believe yow ATM(Debil nerd has been lost or stolen. Itahhsdrslely Irton to Credit Union by calling or writing to at the feleplons number or eldbee$ taG VIF-ii elsewhere in to Plan. t the card is used to obtain unauthorized otlrarhoes drecty horn the Wert your liability will not exceed SSM If the ur auttortzsd eAll"" el is hem a sfbradralt aoootrt, Your liability Is gweated by the Regulation E disclosures you received at the erne you received you ATM/Debit card, even if the withdrawal results in an advance being made from your ovetdraft'atrbaccount taNANCE CHARGE - The doter amount you pay for money borrowed is called a 'Amens charge and begins on the data of each advance. A finance charge will be oomputed separately for each separate balance under the Plan. To compute to hence charge. the unpaid balance for each day site your fast payment or since an advance If you tures not yet made a a periodic rata The sun of 010"s a MIN111 to by the applicable deny used b compute the finance 11harice charge owed. . The The balance charge, is the unpaid balance each day after pay-Is ments and credits b that balance have bean subtracted and any sddpons 10 the balance haw loan made. N addition to Interest. we may charge other finance changes v *A are disclosed on the Addendum- t the Interest rate is a variable interest rate, the Addendum explains thaw the variable Interest rate works. SECURITY - Yet pledge as security for the Plan all shares and dividends an4 if airy, all deposits and Interest In of jolt and inikAdual accounts you have with us now and in the future. It a specific dollar amount is pledged for an advance, we we freeze shares In that account to the extent of the o0standing balance for the advance- Otherwise. Your pledged shares may be withdrawn unless you are in detautt. The following Paragraph applies In all states except In Ohio. Rhode Island and Massachusetts: We have a statutory lien on the shares and dividends and. N any, tie deposits and interest in all individual and joint accounts you have with us and may exercise our rights under the Hen to the extent permitted by state law. (We are state chartered it err name does not include the term Federal Credit Union.') For at borrowers: The statutory lien and/or your pledge will allow us to apply the funds In your account(s) to what you owe when you are In default The statutory lien and your pledge do not apply to any Indvkktaf R.I rement Account Or any other account that would lose special tax treatment under stale or federal taw if given as security. Addtional warily for to Wan may be required at the time of an advance- it a abaecotnt Identifies a type of properly (such as "New Cars-) you must give that ype of property as security when you get an advance under that subacoodmt A hubaeeount name such as 'Other Secured' means you mug provide security rx:epteble to us when you obtain an advance abler that subaocount property you live as security will secure all amounts owed under the Plan and all other bans you haw with us now or in the future. except any loan secured by your principal dwelling. )MP" securing coyer bam you haw with us may also Secure the Plan. iREDIT INSURANCE - Credh life andror credit c5sabTky insurance is optional nder the Plan. If you quality for and Purchase the insurance from vs. you authorize I is to add the insurance premiums monthly to your loan batance and charge you I CN4x hrr:'yJ GFCVF 1hrJ f2. N. !6. th 9d, C9. 20M g;. cll. m M. 0a .:,.:. C'r:S ?iSiP ''J interest on the entire balance. N you elect credit insurance, your paytnetts mad increase or the period of time necessary to repay your ad6elrhCe may his erianded The credit Insurance rates may change during the Man. H the rtes conga, vie writ provide any notices required by applicable law. PERIODIC STATEMENT-On a regular basis you will raceme a statement slhowirhy all transaclions under die Watt during the period cowered by the statement Statements and notices will be sent b you at the most recent address you have giwn us in writing. Unless applicable law requires notice to each joint borrower, notice to any one of you will be notice to ad. JOINT ACCOUNTS - If this is a joint accowt, each of you is individually and joimiy responsible for paying ad amounts owed. That means we can enlon? our rights under the Wan against any one of you individually, or against all of you together. 9 you "us kmeonalmw 1f Wrucito 16. we can refuse to blow your instructions. UrVm our written policy requires all of you to sign for an advance, each of you arthortxes Via other(s) to obtain advances individually and agrees to repay advances trade to the other(s). Any joint account older may terminate the Plan by giving w prior written notice. N any of you terminate the Wan, the Plan is terndrated for ad of You. tibu remain liable individually and jomty for an advances incurred before terms adore FEES AND CHARGES - It you give us a security interest in certain types of property. we may charge you a fling Les to perfect our Interest In tine propergt 9 we do. the amount of the tee will be disclosed to you of the time you obtain an advanccs. We may also duke" you other tees In connection with the Plait Our cum wd lees are disclosed on the Addendum and will be added to your ban balance unless you pay them In cash. UPUNTiNG CREDIT INFORMATION -You promise that you will Promptly "us written notice it you move, charge your name or employment. or tl Information you provided to us chathges Upon our request. you also w other to to provide cn updated tkhencai Information. DEFAULT - The &a-*V perayrsph appifea to borrowirrs kt I kh% I(A aesa, Afalnr and Soalb Gerup . You vrld be in default b you do not Inalts a papmatt of the amount required when it Is dui. You will also be in default f we believe the, proispect of payment. Y .pperformance, cw realtzaton on any property yfvat as secimity The following PA-9-Ph appNat -01)o bonvivers hr Wlsoarsln. You will be in default N you fad to make a payment when due two times during any 12 month You Will be in default N breaking any promise made under the plan materially you ability to repay what you owe or materially Inpeks the condition, value. or protection of or our right In any property you gave as tetsrit f The following paragraph apppes only to borrowers In huwa: You will be In dela<lt N you are more than 10 days late In maldng a Payment Nbu will also be in delault N you do not comply with the terms of the Plan and your failure to comply materially Impeirs any property you gave as security or your ability to repay what you owe under the Wart The "Oftlmg paragraph applies to borrowers In all other slater You will be in delault 4 you do not make a payment of the amount required when N Is dure.You will be In default t you break any promise you made under the Plan or it anyora Is In dafaul! wilder any security agreement made In co nisclim wdh an admince wider the Pt myou I be fo death Y you die. Me for banlouptcy, become IruokvM If you snake any false or misleading statements in any credit application or update of credit ktomhation, or if something happens we believe may subsgrtlefly reduoe your ability b repay what you owe. You WIN be In delimit N any pwpwW you have given tell as security is repossessed by someone else, set red undo a fodabnrs at sk car law. or N anything else happens that significantly affects the value of to property or our security interest in iL You wit also be in default undo( the Wan N you are In defauk under any other ban agreement with us. ACTIONS AFTER DEFAULT - The !allowing paragmph epptles to borrowers in Coloradq Olsbtct of Coldanbla, Iowa, Kansas, Mskie. Masseaurseds Affssot4 Alabraska, SouCu Carolina and West Vkgbde: When you are in tletark and now expiration -(-V right you have under applicable state law to tuna yourtletault, we can demand immediate payment Of the were unpaid balance under the Plan without giving you advance notice. The killowingPeraWaPh alas to borrowers An &I odw States exceptWlsconsln and Loulslaru: When you are in default, we can require larnediete payment (acceleration) Of he entire unpaid balance under the Ptan_ltw waive any right you have to demand for payment, notice Of Intent to accelerate and voice of acceleration. The foNowing peragtaphs apply to borrowers In all states except Wlsconahr and Loins(ens: If insnedate payment is demanded. you will Continue to pay Interest until what you owe has been repaid at he applicable interest was in effect or, A applicable, it the default rate disclosed on he Addendum, t a demand for immediate payment has been made. your shares and/or deposits can be applied towards what you owe is provided in the section above called -Security.' We can also exardse any, other ights given by law when you are in ddelaun. !ou agree the Credd Union has the right to take possession of any properly &4en s ss6cuurAy under the Plan. without judicial process. it Lis can be done without reach of the peace. it we ask, you promise to deliver the property at a time and lace we choose. If the property is a motor vehicle or boat. you agree that we may cpswi PSECU FORM 0714e JO)DZo01-2 037-2092-1 (]N7 Lf)i "ER' Cred1f and Security Credit Agreement (contlnuedj obtain a key or other device necessary to snook end operate it. when you are in debuh. We will not be resporurble for any other property, not covered by this Agraernemt. that you leave inside the property or that is attached to Lie property. We will by b return that Prop--( 'y to you or make .k available lot you to claim. The following paragraphs apply if you give security In connection with an advance under the Plan-They aPPIV to borrowers in all states except Louisiana, Louisiana borrowers will execute a separate security agreement Borrowers in other states may also be asked to execute a separate s-ity agreement Aft" we (have possession THE SECURITY FOR THE PLAN - You give Us what is known as a secw amounts you owe the property we a 1' el it le e b any i interest in at[ pr ?ty d bed in any receipt. voucher or other dowmem y wild a sposidon be nOu t private due. W We will , ive ? pwof public r55posiion or O after receive for an ('the Advaxe-1- The security interest you give includes al setfng the properly will be deducted from the ??e? r ieceived frg m the sale. Those now or in the tubes ? The er Security things which are attached to « installed in ethe n propL4 , g coats may Include the Cos: or n101t? I interest i also vaix as any the propertyr preparing it for seta and am ? property which you buy willhin 110 da of it, A dArance ox ? Ohaterr?+ett ? tl fees tithe exleM psrn "ed under state law or awarded under the Bankruptcy C. I or refinancing of the Advance. N also includes any a rer?erhrr Ybu must Pay any amount that remains unpaid after the sale money has been to any unpaid balance under the Plan, Itu agree b on that ePPie same 900 as 1116 advance, O t. W applicable. at the pay default interest on t amount at t rate disclosed on M Addendum, a ng that amount has been paid. 786 *100"V Paragraph applies only to Wlseonsln borrowers: When you are i d debA efault and attar eVkatbn at any right you have under applicable state law to cure you P and seek roqu6a i nmermate payment of your outsfandng ben balance under t-. possession Of property busegi?as ???r?volullarly give tt you choose. or we may seek to tape possession of the property, b ArOOM& U we repossess the property, you epee b pay reasonable irhotned is asPosing of tine PeOperty t to property Is a motor vehicle, mohpevelvw e bore - boo or aircraft. you vaabobe nicluired to by Section 422413 of the Wisconsin StahAas. lbu must P? ? Pau anyr a that l upaid alter the sale money has been applied b what you owe under der the Plan. Y n. Mx agree to pay interest on any the same unpaid amount at the same rate as tie atdvanoa or. i or. applicable. at the default rate disclosed on the Adderdwn, until that amount is paid. H the Property Is boated outside Wisconsin at the time of defauC, we may take onP° 1 dis the property without judicial process. it permitted by the state where property locsiled, The tangoing Paragraph spplles only to Louisiana bomowers: When you are in debuuL we can require Immediate payment (acceleration) of the ewes unpaid balance ender the Plan You waive any right you have b demand for paymem notice d Intarl to accelerate and notice of accebratiom 11 mined Tale paymerht demanded. You wo continue to Pay interest until what you owe has peen repaid aist 1W appicable interest vales In effect unless a default rate is 6mclosed on the A dq-dm given as dderAxm t a demand for Inanedata payment has been made, the shares and security for the Plan can the applied towards what you owe. We can also man** any other tights given by law when you ere in deft at and our rights under any security agreements you have with us CANCELLING OR CHANGING THE PLAN - The "owing Paragraph a PN- ordy7o boviaieers In Whols. We have the right No change the terms of the Plan tom trot h tine after giving YOU any advance notice mq *W by law. Any charge to the Interest rate or other charges will apply to lucre scivenom Tr- /ultow6v Paragraph applies only to borrowers In tylxonsln: We can change the terms of to Plan from time to Iune in accordance with section 422.4 15 Of the Wlsoo?skt Sh*Aes You will be notified of any Change in Tenets An Increase In the duly periodic rare under a variable rate interest rate Is rat considered a O Plan at hWW In bell. under the Plan. We can cancel the entire Plan or any part of the 1? lime You may cancel the Plan at any Cme by glvinq us prior written notice. whsobligation 63 tt you or the cra union ? Plan. aB larins to O at its Plan yar liability is incited by Section 422,41 S5 of the Wisconsin Statutes extent that 7 terms* 60 B P'nW' °Ph APP17- only 10 borrowers M lows: We can Clangs the at Me Plan 60,11 time b time after giving you any advance notice required by wry ri that tiit-" es the rate of finer" Charge or Cgh r Cage, that bdamoey will apply to ap payments. balances O1or tnthat o lenwise advsrs ha affects yods*V ou use the Plan alter YOuU erae n the change or you use receiving notice c hange apples battarlce?tt your use Of the Plan means you agree the to mcialing 7106 IIOf9 Paragraph applies to borrower in all other starts: We have the fights b change the terms at tie Plan from time to orne after giving you any advance notice roqudred by law Any Change in the interest rare wN apply to hrture advances, OW m Our discretion and subject to any requirements of applicable law. wit also apply to unpaid balances. 77s "-vk 9 Paragraph aPplles to all but iisconsin borrowers: An increase in rte daily periodic rate under a variable interest rate is not considered a change in firms under she Plan, We can cancel the entire Plan on any part of the Ptw at any. time lieu frilly cancel the Plan at any time by giving us Prior written notice. Your tbfgaben to Pay the unpaid balances under the terms or the Plan continues whether 10011 Or the Crack Union cancel the Platt DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN - We can delay. mbrrkV any Of Our rights order this Plan any number of times without losing the rdBty 10 exercise our rights later- We can enforce this plan against your heirs or egai representatives- it ore criange the terms of the Plan. you agree that this Plan t r7 Continue to protect us ONTiNUED EFFECTIVENESS - H any pan of this Plan is determined a cou;R p be unenforceabfe, the rest will remain in etiect I OTICE TO UTAH BORROWERS - This written agreement Is a final expression of 1 he agreement between you and the Credit Union. This written agreement may not l ° OOnhr'a?ed by evidence of any oral agreement. h t° kftwAV's frfafred by VOM041 lair - NOTICE TO CO-SIGNER - YOUR k IGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE 9 DR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, P HE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. OnOpenty any money You receive from sel i d i the or from frhscranc?e you have on the property. t Cie value Of the proper e stints. You Promise b givc us more ProPetty as security If asked to do so. R WHATTHE SECURITY M*REREST COVERSICR - OSS COLLATERAL PROVISION The seoaadyr Merest sertre8 Cie Advance described I. tb r 1 Other docu ment You receive at the fire of the Advance and any extensions, renewa r or 1e111rtancirgs of the Advance. k also secures any other advances you have no or receive In the huhlre under the plan and any other amounts or ban InCluditV any c+sdk card ban. YOU owe us for any reason now or in the Gdurr, except any loan secured by your principal residence. If t* property Is househol goods as defined by Cie Federal Trade Carnniissibn Credit Practices Rule, th PrOPartY will secure Only the Advance and not other amounts you owl. OWNERSHIP OF THE PROPEMy - You promise that you own all give as -city br A the Advance is to bury the property Properly yo, You Promise you Writ usi the Advance br that Purpose. YOU Promise that no one else has any Interest in o Claim against the Property that you have not already told us about. Nbu promise no to $ell or lease the Property or to use it as security for a loan with another rtedto wilt the Advance Ls repaid. You promise you wilt allow no other security interest o ion to attach to the property either by your acsons or by operation at (am PROPERTY INSURANCE, TAXES AND FEES - You must m anise, ProPer1l insurance on all Property that you give as security, under the PWL You the Property insurance from anyone you choose who is acceptable to may am eM UnhoThe amount and coverage of the property insurance rust be acceptable to us- You may provide the Property insurance through a potty you already have. or payable rough wo to us and t deriver the lot. You promise so make Via Insurance policy Picy or Proot of coverage b us C asked to do so. U you cancel your lWanCe and get a refund. we have a right to the returd. If tie Properly b lost ot damaged, we can use the insurance Settlement to repai ch ploperty, or eck which apply It towards what you owe. You authorize us to endorsedraflr thor due cinder may be Payable to you In order for us to collect any refund or banelits regisatio ue underh fees) Insurance Doky. rlbu also promise to Pay all taxes and lees (like on the N you do not d bey these Pay the !alms or fort on the Property when due or keep 6 inured, we obligations. but we am ar be added required to do so. Any Of th money we ices Or indr spend you for pay Interest on those amohahtt atone same r?you la be b? advance an0 d you w11 it Pay, reagreed a" Payments it Connection with the kwxwoa from a Pay en hye advance iN0 may e the Ineerrancs. We may monitor our bane for the purpose of delarm +?whill hPffligiclas other borrowers have compfed with the insurance feq kwnw tsof our ban you and or may engage others to do so. The kmrano° Charge added to an advance nWhX da (1) to hs"ance OOr^Pw+y/`< Payments to us and (2) the cost of delernaniV Compliance with the insulanCO fgqL*Or"*L If %8 add amounts ta uapadd balance of an advance, *9 may inrse yawms tees to lay thou to the added within the tern of the ihu rim your ee to pay the amwrri IkSURAMCE app?dmete term of a( the edvarnce. NOTICE - H you do not purchase the required property insurance, property The premay P rc age and Insurance charge you lor will Cover only our Interest in the may be higher because the insurance co -is orve given us the right to Pulse Insurance after uninsured dsmepad. The it's-- will not be liability linufaince Will not tradefy any stat° Rnancial respoms(Wtty or no 1,Uft ._ and PROTECTING THE SECURITY INTEREST -- 11 your state issues a title for the Property, YOU Promise b have our seemly interest shown on the title. We Inay, he, to claims file what is rated a financing sta(ernent b protect our security int e bar the al of others. if asked to do so, you pro rinse to sign a financing statement You also s mmG to o whatever else we thnk is necessary to protect our security amen Property. You promise to pay all casts, including but not limited to any attorney fees. we incur in protecting Our security interest and rights In the proper 10 the extent permitted by applicable law. ry. USE OF PROPERTY - Unlit the Advance has been paid off, you promise you win. 1) Use the property carefully and keep it in good repair. (2) Obtain our written permission before making major changes to the property w changing "here the Property is kept' (3) inform us In Writing before changing changing the address Wow us to inspect the property- (S) Promptly notify us if the property is address (a) blen or abused. (6) Not use the property fa auntavAul damaged, property in another state without telling us. any purpose. (7) Not to retitle IOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE - THE MOTOR VEHICLE IN THIS TRANSACTION MAY BE SUBJECT TO IEPOSSESSION_ IF IT IS REPOSSESSED ANO SOLD TO SOMEONE ELSE. -ND ALL AMOUNTS OUE TO THE SECURED PARTY ARE NOT RECEIVED IN HAT SALE, YOU MAY HAVE TO PAY THE DIFFERENCE. OTICE FOR ARIZONA OWNERS OF PROPERTY -tit is uniawtul for you to lag i return a motor vehicle that is subject to a security interest, within , days after x11 have received noficce Of default. The notice wit be mailed to nn the addfeSS you foe . it is your responsibility to notify us if your address changes. The maximum maftY for unlawful Wure to return a moor vehicle is one year in prison and; or a ie of St 50,000. This notice contains important kAormafion about your rights and our responsibi6Ges ceder the Fair Credit Billing Act You are advised to read your monthly statement and renrc-w, it for any error discrepancies or unautherized uaruacft-ts. NOTIFY US IN CASE OF ERRORS OR OUESTIONS ABOUT YOUR STATEMENT. It you thirds your statement is wrong, or t you need more information about a transaction on your statement. wrka us on a separate sheet at the address fisted an your statement. You are required to notify us in writing within 6o days following the date on which we sent your statement wtherein the error or problem first speared regarding any discrepancy or unauthorized transactions on your accoukt. Failure to notify us may result in your acceptance of any responsibility for payment or reimbursement to us for any such error or discrepancy to your account. Write to us as soon as possible. You can ta:eph one us. W doing so veil not preserve your rights. In your letter, give us the following Information: Roux name and account number. The dollar amoumt of the suspected error . Describe the error and explain, it you can, why you believe there is an error. If you need more Information, describe the dam you are not sure about I you have authorized us to pay a credit card account automatically from your share aocout or checking account, you can stop the payment on any amount you dirk is -*V. TO ,fop the Payment your letter must reach us fvee business days before the aulornatic payment Is scheduled to occrx_ YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECENE YOUR WRITTEN NOME • We must acknowledge your letter within 30 Clays, orders We have 00trected the snot by flan. ytfitnn 90 clays, we must either correct the error or atrV wry we ball" the statement was oonect Iihis Apreement.the word, you and your meant each and d of time who apply for the card or who sf ns Oft Agreement. Card means the Vba Crom Card ire my duplca/ss and is wmb via kaw. Account mutants your Visa t iedt Cud Line of Credit iccou t with us. We. us. grid ours means this Credit' Won. 1. RESPOKSiBliJTY - If we issue you a card, you agree b repayaa debts and the Fww* Charge W 1siug Irom the use of the cad and the card-awotst. For man ple; you an responsible for charges made by yourself. yotr spouse and mirar chltclrert 1bu ate also responsible for charges made. by anyone else to whom you give the. cud. and ifs respons<bRyr continues trial the card is recovered Vou cannot &bclahn. tsspofpfb?ky by aodtybhg us, but we will close the scoourt for new nana,clions; I you so request and retrm ar caiuis tibux obligation to pay the account balance continues even tough an agreement, divorce deeres or other court judgment to which we are not a Party may direct you or one of the other persons responsible to pay the account 2 LOST CARD NOTIFICATION - It you believe the card has been lost or stolem you wilt iamedialely call the Credit Union at (717) 234-8464 or (8007 237.7328. After hours cat (8" SW567a. i LIABILITY FOR UNAUTHORIZED USE - You agree to notify us itrrhediatery, orally or in writing of the loss, thhett or unauthorized use of you credit Card. You may be table for the unauthorized use of your Credit Card. You will rot be liable for unauthortaad use that occurs after you notify us of the lost, then, or possible ubaWartzed use. You will have no fiabiry for unauthorized purchases made with you Credit Card. unless you are grossly negligent In the haroliing of your Card in any Case. your tabW will not exceed $50. 4. CREDIT LINE - t we approve your application. we will establish. a set- ft.. ..hing Line. of Credit for you and notify, you of ft armour when we Issue the card. You agree not to let the account bells exceed this approved Credit Line. Each Payment You maloe on the account will restore your CrediR Law by the amount of the peyfnim which Is applied to the pdndpal.)bu may request an increase tit yaw crem Li- only by written application b us. which must be approved loan officer BY ghMg yar wdum notice we by o edit LA kern time b nine, or with good cause. revokes may reduce y our Credit Una tom toe your card and terminate this Agreerrhert Good cause includes your faille to comply with this Agreement or arty other agreement with us. or our adverse reevaluation of your creditworvrlrw?s, You may also terminate this Agreement at any lime. but termination by either of us does not afleet your obligation b pay tie account balance. The cards remain out property and you mast recover and surrender to us al cards upon our request and upon termination of this Agreement S. CREDIT INFORMATION - You authorize us to investigate your credit standing when tlpening, renewing or reviewing your account, and you arthoAZe us to disclose WOnnsdon regarding your account to credit bureaus and other creditors who inquire of us about your credit standing. S MONTHLY PAYMENT - We will trial you a statement every month st o your Previous Balances of purchases and rash advance& the oircert transactions an yoke a0munl the remaining crack available under your Credit tine, the New Balances of Purchases and cash advances. the Total New Balance. the Finance Charge due to date, and any other bored levy and the Min@ttsm Payr- reamed. Every month you crust pay et least the tAnimkrn PaYmert within 25 days d your statement dosing data By separate agreement you may authorize us to charge the rrnrhkntrm payment suAOrtta6cetyr fo your stare or dheckvhg account with us. You may, of purse. pay more frequeroV. pay rrare tan the t inenuirm Payment, or pay Cue Total New Salance in kit, and you w7 reduce the finance charge by doing so. It your rth-" payment exceeds the k" credit ins balance aced. we will auoorktatcaty pool Cie aedt to your s I stares. The minirrxrn payment will be (a) 2% of your Total New Balance. rounded up to the rent even dollar, or (b) 520.00. kt it h is greater- In additon. at a?iyr tine your Totaf New Balance exceeds your Credit Line. you must invnedafefy pay rte excess upon our Alter we receive your letter; we cannot try to cAw any amount you or report you as delinquent. We can contirtrre to send sweni b you for Cite amount YOU qud$Son. including finance charges, and we can apply any unpaid amount agars: your credit knit You do not hxre to pay any questioned amaxt whae we are investig,,rfirtg, but you are SO obligated to pay the parts of your statemanl that are not in quesfom N we find that we made a mistake on your statement, you wtiH not have to pay any finance charges related to any questioned amount t we 6dn't make a mistake, you may have to pay finance charges, and you wit have to make up any missed payments on the questioned amount In either case. we win send you a statement of Oita amount you owe and the date that it is due. N you tail to pay the amount that we think you ore, we may report you as delinquent. However, If Our explanation does not satisfy you and you write to us within ten days telling us that you still refuse b pay, we must tM anyone we report you to that you have a question about yew Statement. And. we must tell you the name of anyone we reported you to. We num tell anyone we repon you to that the matter has been settled between us when it finally is. N we don't follow these rules, we can't ooaect the first 550 of the questioned amount, even it your statement was correct. SPECIAL RULE FOR CREDIT CARD PURCHASES - if you have a problem with the of Property or services that you purchased with a credit card, and you he" tried In good talth to correct the problem with Cue merchant, you may have am fight rot b pay the remaining amount due on the property or services. Thera are two 6rtlabOm en tffs right: (a) Ybu must have made the purchase in your home stale or. V nil within yew home state, within 100 miles of your current mailing address, and (b) The pubs hase price must have been more than SSW. These *nftdOns do not apply I we own or operate the merchant, or it we mated you the adordsamert bf lfhe property or servloe& ddorrood. We *4 apply payrapnb In the following manner first to Previous late lees. then b Previous cash advances finance charges, than to previous pu rchas, frnanoe Cheri b cuff" le(e bet. than b previous cash adwarice balances. Chant to, :p as pun dtese balances In the order that they were posted to your aooart, Iran b current Cash advance balances, and then to current purchase balances T. FINANCE CHARGES - You can avoid the Finance Charge on purchases by piyl ig the hull amours of M:New Balance of Purchases each month within 25 days of your istalernent doakng dab. Otherwise. the Now Balance of Purchases, and the suibsaquwnt Purchases from the date they are posted to your account, will be subject b Finance Charge. Cash advances are always subject to Finance Charge from the tide they are posted to your account Purchases: We calculate your finance charge by muhiptyinp the average &*Mod dally balance (see explanation below). including new purchases for the bYkg cycle by to monthly periodic purchase rate and carespondiKV ANNUAL PERCENTAGE RATE as disclosed on the Addendum Cash Advances: We calculate your finance charge on cash advances by multiplying the average adjusted daffy balance (see explanation below) for cash advances during the bWuV cycle by the monthly periodic advance rate and corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum. Balance Computation Method Average Dally Balance for Pudiases - The Average Daily Balance lot Purchase Transactions Is calclated by adcfrhg the Daly Balances (Purchase Transaction) lot each day in the billing cycle. and then dvidrhg by rte nunnber of days in the blfr)g cycle. To calculate the-]airy Balance for purchasm each dayt we take the following atapa: We tale the outstanding balance (alt anoutb you owe) at the sort of the deyr- Than, in the sequence in which amounts ace posted to your account, we add the sirrmnLs of all debits and subtract the amounts of as credits or payments which posy to yar account that day_ After applying .payments and credits, we subtract the amount of any Cash Advance Charges or Late Charges Then we Ww subtract the in arty p?? ,ley In the Mfg transactions gVW posted to ives us to your assault on that ic day of Daffy Balance for pururchases. Average Daily aalence for Cash Adoenees - Cash Advance Transactions whkh are posted to your account are not included in Rue Average Daly Balance calculation for purchases. and tie tneretore not -*,d to the monthly periodic rate for puchases.The Average Daly Balance is calculated separately for Cash Advances and is subject to the Cash Advance Monthly Periodic Rate The Average Dairy Balance for Cash Transactions Is calculated by adding the Daly Balances (Cash Trarhsactior>) for each day in the billing cycle t cud t- dividing by the number of days it the wing cyder To calculate the Dairy Balance for cash each day, we take the boo" saps: We take the outstanding balance (al amounts you owe) at the start of the day Then, In the sequence it, which anhounts are posted to your account we add the amounts of all debits and subtract the arrhouRs of at Credits or paymanLs which Post to your account that day. Ater applying payments and credits, we subtract the amount of any urnpakd Finance Ganges or late Charges, Than we also subtract the amount of any Purchase Transactions that posted b your account on that day or in any previous day in the baring cycle. This gives us the Dairy Balance for Cash Advance Transactioi-m Note: Cash Advances we always subject to finance charges and from the day they are Pocted to your account Payments are applied in the follaring manner first to previous lase fees, then to Previous rash advances finance charges, then to previous purchase finance charges. then to current rate fees. then to previous cash advance balances. than to Previous purchase balances in the order gnat they were posted to Yen accotwiL tiler to current cash advance balances. and then to current Purchase balances. Credits are applied first to the particular type of debt which is being credited_ A any and then to the balance of your account. Vise Credit Card Agreement and Truth In Lending Disclosure (continued) j Note also that d the total of the payments and credits which are posted to your amurt by the Payment Due Date shown on a statement is equal to or exceeds the New Balance shown on that statement, we will not applyy the Monlhty Periodic Rate to your Account on your next staterhanL a DEFAULT - You wit be in default it you fail to make any Wrimum Payment within 25 days after your mouthy statement dosing daia.You authorize us b trarrsfer furies sufficient to make the mininarn payment due i yaw Visa ban is in default-You agree that we may tertiporadly suspend your ATM card access if your Visa payment Is die for a pedod exceeding 30 days. You wil also be in default Y your ability to repay us is materially reduced by a charge in your employmieM, an increase in your o0igalkins, bankruptcy or troxil ven y proceedings involving your, your death or your hlirrs Io abide by Yis Agreement, of d the value of our security Interest materially dbeiries. We have the right to demand immediate payment of your hull account balance X you defatlL subject to our giving you arty notice required by law. To the extent permitted by taw. you wit also be required to pay our collection expenses. kvdu*ig court costs and reasonable attorney fees. S. USING THE CARD - To make a purchase or cash advance, there are two ailematve procedures to be followed. One is for you to present the card to a pthtitipstlg Visa plan msrdtant, or another financial institution. and sign the sales orf ath adgnce draft which will be knprWed with your card The other is to complete On transaction by usbip your Personal Identification Number (PIN) kt conjuxtfon wilrthe card In an Automated Teter Machine or other type of electronic terminal that ptvviArt- s access b the Visa system You agree that you will not use your card for any trains ct on that Is Regal under applicable federal. stale, or local law- The am" sdlertnart will Identify the merchant aWcbww- terminal or Rnarhdet insb'blbri st which lwaactiora wars made. but sale, ash advance. credit or other slips cannot be returned with the staternernL You will retain a copy of such saps krnished at the Tie of the transaction In order to verity the morwhly statemenL The Credit Union may mole a reasonable charge for photocopies of sips you may request 10. OVERDRAFT OPTION - If you elect to overdraft to your PSECU Visa Creek Card, Yet alecdon is subject to the odsUn9 credit tmi and the agreemet it represents end the current loan policy at the time of the overdraft You also understand that an OVOKi * will be considered to same as a cash advance on your PSECU Vise Credit Cud artf that all axi ent Annual Percentage Rate tux rash advances wit apply. 11. RETURNS AND ADJUSTMENTS - Merchants and offers who !honor the card msy give credit for returns and adjusbnerxs, and they will do so by sending us a credit sip which we will post to your Visa Am Of credit. It your credit and payments exceed what you owe us. we will automatically post the excess credit balance to your S I Shww Will 0 75 days. M the balance b one doter or mom upon your written request. ore wO raftrd the crock balance to you- 12. FOREIGN TRANSACTIONS - The exchange rate behveen the transaction ctirorwy and the filing ardency used for processing International transactions is a rate . adsctedbyviise tramlh a amps orrates available in wholesale currency markets for the 80PI100o q rroai peposssktg dais. which tale amy vary from the mite Visa Mseff tiaoilve0. ilia ra6s fn 1thlact far tine upptcabte wrho-al prorxasing fiche 1n'each ksts+os. an at?tabtherit may ba ttttsetssed kissed on rte ISA Roe tnrposed byWILThis too. which tofale 1% of the bansecson amount. will be assessed an at 1att C where the xwdwd country from the country of the card issuer If 1r041¢tl M or find an eber.witl a Visa Alit CARD CARDHOLDER AGPEEMENT - The tltdsrsig(You or youd, in oodgdderation of THE PENNSYLVANIA STATE EMPLOYEES CREDIT UNION (we. our and ts) issuing to you an ATM CARD. hereby agree to be legally bound by the foRowIng terms and conditions. You agree that the use of your ATM card(s) cOrddkM s acceptance of tie terms and Conditions of [his Agreement. You understand than ATM Is a neck-related service and you authorize PSECU to obtain a crock capon on any users of this ecoounL 1. ACCOUNTS AND USES OF ATM CARD -You have the account(s) (including Checking and Regular Shies), which we set forth on your application form with this Agm4mwnL You hereby -quest that ore issue to you one or more ATM CARD(s) to be used in connection with such accounts as described in this Agreement You understand you may use the ATM CARD at a STAR SYSTEMS® ATM to (1) "Mukaw cash from, (2) make or arrange for deposits in, (3) effect trihsfers to or from your sorsext, (4) receive information regarding the balance in your acoourrt(s) or (5) make cash advances from your credit accou(t(s) in the amounts you request you may afao use automated teser machines thvoughou the tinted States and in certain foreign caulnes which bear the PLUS SYSTEMD name and bgo (1) to make withdrawals Ion, (2) effect translers to or from. (3) receive kilormation regarding the baflir- In your pecking or Regular shares tt you have a Personal Service Loan aPPtoved and In place. you may also make a cash advance from your PSL- You kaw understand you may use the ATM CARD to purchase goods and services CP-chase') at any retail establishment (Merrhanr) where ATM CARDS are accepted by such Mercfiarl. If you use the ATM CARD to make a Purchase b obtain It a permiaad by the Merchant you shall be requesting us to withdraw Grids in the amount of such Purchase including any cash received from the Merchant) from your Checking Shares and directing or ordering us to pay such funds to the Merchant. Ybu request that we -111 provide to You such ether services or access to other ATM "arm or networks using the ATM CA30 which we may later make available and which we advise you are offered in connection with your account(s) set forth on your application k-- You also understand that from time to time you may request in writing that we provida access to additional accounts of yours through the ATM CARD we have issued to you. You agree that the uses of the ATM CARD described transaction, and have tried in good kith to correct the problem with the merchant or the charges are the result of unauthorized or fraudulent use, or your purchase cost more than SSO and was made from a plan merchant in your slate wtl yn 100 Mae$ of your tome, contact PSECU. You are required to notify PSECU in writing whin 60 days blowing the date on which we sent your statement wherein the error or problem fast appeared regarding any discrepancy or unauthorized transaction an your account. Telephoning PSECU does not preserve your dispute rights. You may be required b provide to with documentation to support your dispute claims In addition. you may be required to complete a standard dispute form orttimfng the details of your dispute. In cases of fraudulent card use. PSECU wit also require a notarized affidavit. in some cases we may ask you to notiy to Beal autaddes. Y we do not receive the proper requested documentation in the time specified you may be held responsible for the transaction(s) in question- PSECU must adhere to atdd dispute Wr eirames set forth by Visa. I& SECURITY INTEREST -Tb seam your aooourk you grant us a purchase money security itlaresi under the Uniform Commerdal Code in any goods you purchase [rough the account. If you defend, we will have the right to recover any of rase goods which we have nit been paid for through our application of your payments in the manner described In am Mor" Payment section. YVah respect to this account of* we wit rot assert arty sta4Aory right we may have it you are in default to prevent wMidrawral of your urpledged credit union shares (Deposits) below the unpaid balance of your accent However, i you give or have given us a specific pledge of your crack union stares (Deposits) by sighing Ce Pledge of Steers or otherwise. or arty other seeuiy Interests for d your debts. your accent wit be seared by you pledged shares (Deposits) and by WO property described fn Lase other security agreements, except for your horse. 1 S. EFFECT OF AGREEMENT - This Agreement is tee contract which applies to at fremaalons an your account even Cough the sates. cash advance. credit or other slips your sign or receive may contain different hairs. We may amend the Agreorrnefd bon time to time by sending you the advance written notice required by lawti Your use of the card thereafter will Indicate your agreement to the amendments. To Ins extent the law permits. and we Indicate in our notice. amendments will apply to your existing account balance as well as to future transactions. I& LATE PAYMENT CHARGE - If your Minimum Payment is not recolved by the fiat day of to month billowing your due date. you will be subject to a S20 charge. 17. RUSH FEES -You may buix additional charges for rush processing and rush delivery of cards and/or PIN mailer. tS OVER 111r1IT FEE -A $20 fee will be applied breach m or" sta ~ closing data . on which to alstanding balance exraads the assigned credit irnt by more than 3lW_ 19. DRAFT COPIES - You may Incur an additional charge for transaction surnneiVeale draft documentation,. 20. COPY RECEIVED -Ybu acknowledge receipt of a copy of this Agreement. 21. Ill t Filet TRANSACTIONS PROHIBITED - You agree that you wig not use your cad for arty transaction that is illegal under applicable federal, stets, or local law. 22. NO USE - Inactive ilia accounts Yet taus no purchase or cash activity may be daeed'wffhout notice to you after is mantis of no aceirity. 23, NEURAL NETWORK PSECU trees neural network systems to pnedic and- pnverd unaLlI horded trersactiorm Thom may be occasions when a transaction b deffrtthdbsr?fast 111 *_#-_Ava Qt.possillp ka4rd!tert artivlyc in Oft Agreemord shelf be subject to the riles and regulations of each account which Is accessed by such Card. 2- USE OF PERSONAL IOEIMF1CATiON NUMBER (-PIN-) WITH ATM CARD You understand that a STAR SYSTEMS or a PLUS SYSTEM ATM Is an aubmated tatter. it can and will perform many of the same tasks as a human teier. You acknowledge Vial the Personal Identification Number or PIN wfhich you use with the ATM CARD Is your signature. Identifies the bearer of the Card to the STAR SYSTEMS ATM, PLUS SYSTEM ATM or other network ATM and euth enticates and validates the directions given just as your actual signature and other proof Wordily you and authenticate and validate your directions to a human teller- You also understand that a Merchant which accepts the ATM CARD for a Purchase transaction may have an electronic lemhinah (Merchant operated or Seth-Service) which requires the use of your PIN and when your PIN is used at a Mercara's lermnal, It will authenticate and validate the directions given just as your actual signature wit authenticate and validate your directions given to us- You acknowledge that your PIN Is an !fertilisation code that is personal and confidential and Cat the use of the PIN with the ATM CARD is a security devise for your account(s). Therefore, YOU AGREE TO TAKE ALL REASONABLE PRECAUTIONS THAT NO ONE ELSE LEARNS YOUR PIN. 3. LIABILITY FOR UNAUTHORIZEO TRANSACTIONS -You agree a contactus at once it you believe the ATM CARD(s) issued to you or PIN has been lost or stolen or money is missing from your accourn(s). You also agree that it your monfhy statement shows transactions which you lid not make, and you do not contact us within 60 days after the statement was marled to Sou. you may not get any money bet after that time. YOU AGREE THAT. IF YOU GIVE YOUR ATM CARD(s) and PIN TO SOMEONE ELSE TO USE YOU ARE AUTHORIZING THEM TO ACT ON YOUR BEHALF AND YOU WILL BE RESPONSIBLE FOR ANY USE OF THE CARD(s) BY THEW You could bee all your money in the aeoourt(s) it you take no action to richly PSECU of the loss of your ATM CARD or PIN- Safeguard your Personal Ider !'Cation Nurturer (PIN)_ Do not fell or disclose your PIN to any other person. fb not write your PIN on your ATM CARD. Do not keep a written record of your PIN near your ATM CARD. Do not choose a PIN that is easily identifiable. Q frmds Truesler A7711 Agreement and Regulation "F• f)lsdosra ('oenWwed) A new card may be ordered for you at that time and a 'hold' win be placed on you old card. After such lime, d you And your oU card, destroy the old card by curving in halt If you attempt to use your old card- it will not work. 4. CHARGES - You agree to pay a 50 cent cherge for each deposit of wilhdrawe etteeedag 15 a month. You agree to pay the 50 cent penalty charge an any ease dt5bursrment transaction (Iran advance or share withdrawal) tint is less than S20 Ybu a" b pay a 25 vent charge on each balance inquiry. You may incur a chargi for any'aoitain4a that needs to be made to your account resulting from an efro you made while nnldrhg a deposit at an Automated Teller machine (ATM).You agree to pay to charges or kw aacdon lees which are charged by us for these service; or for services which may later be offered as such lees or charges may be imposes or charged from airs b erne. 5. DEPOSITS - You agree that when you make a deposit at a STAR SYSTEMS ATM that we have the right b verify the deposit before we make the money evanable to you. N you deliver cash, checks or other items to a STAR SYSTEMS ATM, you w IwMs from your deposit may not be available for immediate withtfrawal and that the availability of your deposit shag mi on wiles and regulations regarding to particular account to which you out you are making a Aepuk an tens that you an depositing and whetter the deposit is made at a 81XR SYS 1M ATM that is owned by' as or another financial Institution. You also understand and adi nwtedge tint not all STAR SYSTEMS AIMS may accept deposits and some STAR SYSTEMS ATMS may &nM the amount of funds which may, be deposited and that we may not control these 6rtdt& IL LL%BKJTY - 9 the ATM CARD Y Issued for a Joint account. you agree to be jokiry and severe* fable taller tie beam of this Agreemeet and the agreement for such aceourt You agree that K you make deposits or payments to your aoooungs) with Mama other than cash (eneelar, drafts or other items) and we make buds Mailable b you from such deposits prior to their collection, you agree that we may deduce[ the amounts of such Nnds from your eocou nt(s) w,tJch are not collected or. If to kinds In your account(s) are kmaMm d at such time, you will promptly pay to us erry amount of Wch kinds which are not eonadaiL 7. A-MtENDNEW OF WIS AGREBhtENT •- You agree that from time b time we trilby WWO of change fn tarrlhs of trs agreement khctudng amandmarhb or to add A"w ATM CARD services or to amend of change the charges for tinew services. Vitt may do so by notifying you In writing of such amendmens or .ragas and you Yse of the ATM CARD after the W%ciwa date of any such atgSrh I , or ch a gd strait constitute your acceptance of crud agreement to such emendmarr or change- L.OWNERSHIP - You agree that the ATM CARD b our property and you will ahrrerder It to us upon our request- You agree that the ATM CARD is non- &Wwbrabte 1- DISCLOSURES -You hereby acknowledge receipt of she disclosure statement idaming you of Your rights under the Electrontc Funds Transfer Act and a copy of ors AWeement. REGULATION •E• DISCLOSURE f• ELECTRONIC CHECK CONVERSIONIELECTROMC RETURNED CHECK FEES - t you pay for something with a chock or share draft, you may authortze M to be corwerted b an electronic fund trarsim Itta may afro authorize macthertts to $bGk wally dirk Ycur account for returned check losa.You are considered to have a11011m lied these elecionle funds fransfera i you cortpleta the transaction after beivp lord (ora ly a by a notice posted or sir to you) that the transfer may be p!obessed eiesilrartoelty or Q you sign a written aut horizatiom 2 SUMMARY OF CONSUMER LIABILITY - ATM, ACH and SST - Tao us at once it you believe your card has been lost or $1101x. Takphoniny is to best tray No hoop your possible losses down. You cold Jose all the money h your account On your maAiman overdraft fns of credit. It you beGave your card has been lost or Oden, and you tee us widlin two business days Mar you learn of the loss or theft you can lose no more than SW if someone used your card widhoutyour permission. It you do not ten us wth)n two business days attar you learn of the loss or theft of four card, and we can prove we could have stopped someone from using your card "tea Your Permission nil you had told us. you could lose es much as 5500. Atso• it your statement shows transfers that you did rho. make. fat us at once. it rou do not tell us within 60 days after the statement was mailed to you, you may hot gat batik any money you Jost after the 60 days it we can prove that we could nve stopped someone from taking the money if you had told us In time- I a good reason such as a long trip or a hospital stay kept you from telling us. we via totiond the time periods. TELEPHONE NUMBER AND ADDRESS TO NOTIFY OF UNAUTHORIZED RANSFERS - ATM - Contact PSECU at (600) 237-7328 EKT 3806 (nationwide) or (717) 234-8484 (n Harrisburg). After hours, follow the menu opoors on PSECU-s voice mail system to report a lost or stolen card. For irmsa Credit or poor; t Cards, Wow are directions for Lost Cant' Notrlkation under Ise visa ..rear ? Card Agreement and-Trudh4h-Lert*V fMdosures section of Otis coax tell. • ACH and SST - Contact _Ps't t) at (800) 237-7328 (nationwide) or (717) 734.8494 (!n Htnisbkr6) 9 Or write to us at Pennsyhrania State Employees Credt union r PO. BOA 67013 f Harrisburg. PA 17106-7013 PSECU Business Hours: I Olga a-m- - 5.00 p.m. M - F h TOO (800) 472-1967 Nationwide (717) 777-2100 in Harr4burg 4. FINANCIAL INSTITUTION'S BUSINESS DAYS - ATM, ACH and SST - PSECU s Business Days are Monday through Fide Holidays not included. 5. TYPES OF ELECTRONIC TRANSFERS A CONSUMER MAY MAKE - • ATM - Balance inquiries on c ocking. samgs and M wNtilrawab kon ctteddrghavings: cash advance from PSG deposits to cheddrg/sovings purchase goods and services at any accepting retai establishment_ • ACH - Pteaut hot¢ed debits and credos to check ing and savtegs, • SST - Balance Ir quides and transaction hisbrias on an share, carmiicate am loan accounts: transfers from any share to ancthef shoe or loan account kor i your PSL to arty share or ban account wit hdiewa<s from any spare axwp IRA shares or certEicate& 8. ANY CHARGES FOR ELECTRONIC FUNDS TRANSFERS OR FOR THE RIGHT TO MAKE TRANSFERS - • ATM - Fifty cents for each disbursement (cash advance or w a hdraw 4 loam than SM fifty anus for each transaction ewef 15 Par morift 25 a" for each bdsnce bv**y; and tare may be an additianl am" for any, aqustnrrd that hoods to be made IQ the accanrd of any tnttttberwho makes'an error while depoiAing at an Automated Teller machine (". • AC" - $30 service charge for Insufficient ands for each electrork transfer. • SST - none 7. SUMMARY OF CONSUMER'S RIGHT TO RECEIVE DOCUMENTATION OF EF7"3 - • ATM - You are enMMed to Mo"* a pdrrted reeatp< at Ole. time of each tnarsait(om Ybu will receive a montry oteemh nt afhourlhvg the. """.4*6ur accyjrht` any harsacions made durlrg themonth.. and a1y penalties or dharges.PSECU may Impose during the moat. s AC" and SST -You will room" a mortffily Statement stwvrirg the steam of yaw account. any tratlescdonc made during the month; and any pornmes or charges PSECU may knposa during aw month- . • C you have arranged to have a tired deposit .made to your account at least once every 60 days from the same person or company, you can can us at (80(f) 237-7328 to find out whether or not the deposit has been made. M- STOP PAYMENT RIGHTS - PRE-AUTHORQEO TRANSFERS - • ATM and SST - Not applicable. • ACH - Rtght to Stop Payment and Procedures for doing so. M you tuna told us in advance to make reguta payments out 01 your account' you cgn,alop any of these payrmer ts. Hera': how: Call us at (800) ZU-7329 (Nationwide) or (717) 734-8484 (Nartisburg) or write us at P neoylvar" Slab Credit Union, PCX Boat 67013, HWhbutp, PA 17105-70M fit timed for us to receive your ragtrest three business days or axe before fns paymerd. Is sdUKk lod lobe mnads. V you call, wa mayalso fe.quire you b put your roWesi in writing and pet M to its within 14 days altar you cat' • Noise of V&76 V Amounts, a trees regular payments may vary its twmeur, the Person you ate gong to pay win let you, 10 days boiore each pVmvoro, when it will be made and tow much it will be NW they ddbm itetagd b flit this rwlbe.onh/ when the Payment would differ by more own a oerY amount from the Previous payment. or when the amount world fait outside, certain lit, dta tai you set • LJebllfty for Felfure I- Stop Payment of Pneatitharfred nwtskm t you order Us to stop one of #lose payments three business days or more before the transfer Is scheduled. and we do not do so, we will be fable for your losses Of damages. unless we request and do not recelm w iflaw confirmation of an oral slop payment within 14 days and the transfer takes piece snw 14 dogs, or You tall to give us proper instructions that would enable us to piece the stop on the transfer. 9. SUMMARY OF THE FINANCIAL INSTITUTION'S FAILURE TO MAKE OR STOP CERTAIN TRANSFERS - • ATM - if PSECU left to complete a transaction on time or in the correct amount when Property Instructed by year, PSECU will be a" for damages caused by our failure unless (1) there are ihsul6cient funds n your account b complete the transfar-. (2) the funds in you account are u cote led; (3) the funds are subject to legal Process: (4) the transaction you request would exited the hinds in your account Pitts any available overdraft protectiom (5) the STAR Systems, PLUS system has insufficient cash to complete the, lie swore (6) Your card has been reported lost of stolen and you are usig Mho reported cams: (7) PSECU has reason to believe that the transaction requested is unati tOrized; (8) Uw biture is due to an egtapmen( bma)pown pia( ypl b m aboje when you staned the transaction at Mtn STAR SystwM PLUS System, (9) the torture was caused by an ac ti!i God. fire. or other catastrophe. or by any other cause beyond control; (10) if you attempt to complete a transaction twat r? at a STAR Sys:e- .s, PLVS System, or mercharA terminal that is not a his Funds RansfeL APW Agr?menr rrW Rrov/atbn `E` 11r ?i2?tfLE permissible transaction listed above. or, (11) the transaction would exceed the sec rt'y krdations on the use of your ATM CARD. • ACH and SST - t PSECU !aNs to complete a transactim on tame or in the correct amount, when properly instructed by you. PSECU will be ruble be damages caused by our bikre urM= (1)_ two are irwAScient wands in your account to complete the transfer, (2) the hinds In your account are wpolfectak (3) the funds arts subject to *0 process; (4) the transaction you n lest would erred the kinds in your account plus any available overdraft credit (5) PSECU has reason b believe that the transaction requested is unauthorized (6) the tallim was caused by an act of God. ire. or other catastrophe, or by another cause beyond control In any one. PSECU shelf be lable only be actual proven and rat corhsequer" damages if the fallure to make to transaction resulted from a bona fide error despite PSECtrs prooedum to avoid such errors 10. OISCLOSURE TO THIRD PARTIES - • ATM. ACH and SST - PSECU will disclose information about your account to third partles: (1) when It is necessary to complete transactions: (2) to verify In aftlence and dividing Of your account wMh PSECU upon request of third putA such as a credit bureau; (3) to eonggy wtargovernowd agency or court ohcdera: (4) in accordance -1h you written permission; (5) to --ply with government or administrative agency eammonsses, subpoenas. or court orders: (6) on receipt of cardicatbn Gam a Federal Agency or department flat a request for iNonnalion is in compliance with are Right to Financial Privacy Act of 1976; Regulation P, Privacy of Consumer Financial Information: and /R when It Is necessary to take legal action to recover shares. 11. STAR SYSTEMS SERVICES - • ATM Only - low may use your ATM CARD with your Personal Identification Number (PIN) at STAR SYSTEMS located in Delaware. Marylarhd, New Jersey and Pennsylvania to conduct any of the following transactions for the accounts accessed by your ATM CARD a) Determine the aooamt balance(s) of your Checking your Regular Shares, and you Personal Service Loan (PSL). b) Withdraw cash from your Checking and your Beguiler Sh eres- c) Malia a cash advance from your Personal Service Loan (PSL)_ dL Deposit currehcA checks, or dtaps (coim are not acceptable) for trarwdssion to PSECU for deposit in your Cheddthg and your Regular shares. NOTE: There am tinted locations h Maryland where deposits may be made. Vfe wish to &Axm you that soma ATMs boded In these arras may only provide access to your Checking. your Regular Shares, and your Personal Service Loan Not all ATMs may accept deposits. Thee may also be Smite on the amount of bands, which you may depose In certain ATMs. 12 PLUS SYSTEM' SERVICES - ATM Only - You may use your ATM CARD with your Personal Identification Nhamber (PIN) at any PLUS SYSTEM automated teller madhine (PLUS SYSTEM ATM) located throughput the Urhited States, Puerto Rico, Cansda. Grest Britain and Japan to conduct any of dal lonowi g transactions orh the aeoaats mooned by your ATM CARD a) Determine' the account baknoe(s) of your Checking. your Regular Shares, and your Personal Service Loan (PSL). b) VVlthdtaw oasth horn your Checking and your Regular Shares , C) Make a cash advance from yaw Personnal Service Loan (PSL). NOTE. Deposits ale not aval abb through PLUS SYSTEM ATMs. These are the STAR SYSTEMS services currently avelfable through the PLUS SYSTEM network. Other services may be otlered In the future. 13. OTHER ATM NETWORK ACCESS - • ATM Only - From time to tine. PSECU may make arrangemens with other ATM networks to gram access to ATM CAROB- PSECU shall inform you when such arrangements are made and descnbe the services that are available to you. Any changes will also be described. 14. PURCHASE TRANSACTIONS - • ATU Only - You may use the ATM CARD to purchase goods and services CPunthase') at any retail establishment (-Merchant-) where ATM CARDS are accepted by such Merchant. The amount of all such Purdwses will be deducted from your Checking. When you make a Purchase using the ATM CARD, you will be requesting PSECU to withdraw kinds from your Checking in the amount of the Purdhase and directing PSECU to pay these funds to such Merchant 15. LIMITATIONS ON THE USE OF YOUR ATM CARD - ATM Only -You may wiChdraw up to SSW per day from one ore Combination of your accounts by using a ATM CARD provided the funds are available at a STAR SYSTEMS or PLUS SYSTEM ATM. in addrion, you may Wftraw!plr chase tip to M pt point of s21e locations. PSECU reserves the right to reduce this Caity unit 31 any tire. in the event that your daily limit is 1 less than SSW. PSECU will advise you of the new Unitation. The day for withdrawal Sn*s start s at 12 midnight each day and ends at 12 midnight to next day. For security purposes. there are also certain daily limitations on the frequency of use of the ATM CARL) However. these imitations are not revealed for security reasons. The Pearmylvania State Employees Credit Lkwon is not obliged to maintain such rrnitations. You will be denied use of your ATM CARD it you exceed the daily wiptyrawayptrrhass ink N you do not have adequate finds available in your axou t, do not enter the correct Personal Identification Number (PIN), or exceed the frequency of usage limitation. The receipt provided by the STAR SYSTEMS or PLUS SYSTEM ATM or Merchant terminal vA notify you of the denial. There is a irrdl on the number of such denials permitted. Attempts to exceed the half will result in machine retention of our ATM CARQ The nrhhbwr of attempts thal result in macihim retettlon is not revealed for security purposes. 16. ERROR RESOLUTION PROCEDURES - • ATM, ACH and SST - In case of errors or questions about your transactions. Direct knubles to PSECU at (800) 237-7328 Nationwide, TDO (800) 472- 1967 Nationwide. (717) 777-2100 in Harrisburg, or write PSECU at PennsyNanta State Employees Credit Union, P.O.8ohnc 67013, H&rrisW% PA 17106.7013. in soon as you can 9 you think your statement or receipt is wrong. or t you need more Information about a transaction listed on this statement or receipt PSECU must hear from you no later than W days after It seep you the lust statement on which the problem or error appearod. Yiw must provide do following information: (a) Your name, account number, and ATM CARD number (it a ATM transaction). or rekrence fwrrhber (t Self- Servios Telephone Transaction); (b) Describe the. error or the transaction you are unsure about. and explain as clearly as you can why you believe it is an error or why you need the Information. and: (c) The dollar amount of the suspected emu H you fell PSECU oraft you must send your comptai t or question in writing within 10 business days. PSECU wig tell you the results of the Investigation witNrt 10 business days for STAR SYSTEMS, PLUS SYSTEM, SELF-SERME TELEPHONE, or DIRECT DEBiTifc EDIT TRANSAcrxm. or 20 days br STAR SYMMS ptrchase transactions. If we need more line, however. we may take. up to 45 Oays,.tbr STAR SYSTEMS. PLUS SYSTEM. SELF-SERVICE TELEPHOM or DIRECT OEBrT/CREDIT TRANSACTIONS or 90 days for STAR SYSTEMS purchase traiaactiots. it PSECU decides to do this, it will recredR your accoi ht within 10 business rays be the amount you pink Is in error' it it la a STAR SYSTEMS. PLUS SYSTEM. SELF-SERVICE TELEPHONE, or DIRECT OAT traraactbr% or 20 business days It It Is a STAR SYSTEMS Ptrdhasa Inumiactiom-You vA have the use of the money during the lime it takes b complete the invaepgellon. If PSECU does not recelhre your complaint or question In wr rev wIt in 10 tuukws days. PSeW may not nraedIt your ocoou nt. If PSECU decides then is no atom, you w9 be advised w1lhin titres business days refer the Investigation Is cornplatiaL Vbu may ask for copies of the documents PSECU used in the investigation. K PSECU credits Your aocotaht While inve>aped[g, you must repay those funds t PSECU r hcbdaa ho error has ocisti ed. 17. ATM SWCHARISE _ N you use an ATM that is not operated by us, you may be dmarp9d a:be by so ATM operator and by any rational. regional or local network toed iri:Prooeasiq the Verrwacttion (and you may be charged a lee tot a balance in'liky `even t you do not complete a find ftaraskr). The ATM surcharge will be ,dabW mom your account If you elect to complete the tranhsacdon. Notice TO Cortsurrrors Using ATMs • Be aleti to your surcourhdings- p you doubt the safety of a particular location, chose a wdw ATM. • K the ATM has an emry door, close the door prom to infttaling your transaction. • Put your rash away immediately. • Direct complaints Concehfng ATM security to an appropriate department of t-ha owner of the ATM. New Jersey residents- you may cap the New Jersey Oepartmen(of Banking at (609) 292-7272. 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Z? m V = ?' b o R Co V:. a 0 (Z Q- a 0 0 N 0. Q M 0 a EXHIBIT "C" PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, PLAINTIFF V. ALEXANDER O. SANDER, DEFENDANT IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA : NO. 07-5491 CIVIL ORDER OF COURT AND NOW, this 21"4 day of June, 2011, upon consideration of the Plaintiff's Motion to Amend Caption, IT IS HEREBY ORDERED AND DIRECTED that: 1. A Rule is issued upon the Defendant to show cause why the relief requested should not be granted; 2. The Defendant will file an answer on or before July 12, 2011; 3. If no answer to the Rule to Show cause is filed by the required date, the relief requested by Petitioner shall be granted upon the Court's receipt of a Motion requesting Rule be made Absolute. If the Defendant files an answer to this Rule to Show Cause, the Court will determine if further Order or hearing is necessary. 4. The Prothonotary is directed to forward said Answer to this Court. By the Court, Shawn M. Long, Esquire Attorney for Plaintiff Alexander O. Sanders Defendant -?%A M. L. Ebert, Jr., J. bas