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Home My WebLink About03-5315 {) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA PENNSYLVANIA STATE EMPLOYEES: NO. 03 - S.3L5 CREDIT UNION Cioil~~ Plaintiff vs. JESSICA N. BROOKS, Defendant CIVIL ACTION - LAW NOTICE 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 MAYBE 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 2 Liberty Ave. Carlisle, P A 17013 (717) 249-3166 EN LA CORTE DE ALEGATOS COM UN DEL CONDADO DE CUMBERLAND, PENNSYLVANIA DIVISION CIVIL A V ISO PARA DEFENDER Conforme a PA Nfun. I018.1 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 despues que esta Demanda y A viso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando por escrito con la Corte sus defenses 0 objeciones alas 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 mas aviso por cualquier dinero reclamado en la Demanda 0 por cualquier otro reclarno 0 alivio solicitado por Demandante. Ustedpuede perder dinero 0 propiedad 0 otros derechos importante para usted. USTED DEBE LLEV AR ESTE P APEL A SU ABOGADO ENSEGUIDA. SI USTED NO IlENE UN ABOGADO, VA Y A 0 LLAME POR TELEFONO LA OFICINA FIJADA AQui ABAJO. EST A OFICINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO 0 GRATIS. Cumberland County Bar Association 2 Liberty Ave. Carlisle, PA 17013 (717) 249-3166 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA PENNSYL V ANNIA STATE EMPLOYEES CREDIT UNION Plaintiff NO. 03 - S3/,5 {!,~:l ~~ vs. JESSICA N. BROOKS , Defendant CIVIL ACTION - LAW COMPLAINT AND NOW, comes Plaintiff, Pennsylvania State Employees Credit Union., by and through its attorneys, Steven C. Courtney, Esquire and Godfrey & Courtney, 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 authorized to conduct business in the Commonwealth of Pennsylvania with a principal place of business located at I Credit Union Place, Harrisburg, Dauphin County, Pennsylvania, . 2. Defendant, Jessica N. Brooks, is an adult individual with a last known address of204 Big Spring Terrace, Newville, Cumberland County, Pennsylvania 17241. 3. Defendant Jessica N. Brooks, and at all relevant times material hereto was, the primary loan applicant. 4. On or about June 19, 2001, Defendant signed a Motor Vehicle Installment Sale Contract (hereinafter referred to as "Contract"). A true and correct copy of said Contract is attached hereto, incorporated herein and marked as Exhibit "A". 5. Pursuant to the loan application marked as Exhibit "A", Defendant agreed to the terms and conditions of the extension of credit as set forth in the Loanliner Credit and Security Agreement (hereinafter referred to as "Contract"). A true and correct copy of the Loanliner Credit and Security Agreement is attached hereto, incorporated herein and marked as Exhibit "B". 6. The contract marked as Exhibit "B" contains the terms and conditions of the extension of credit agreed to by Defendant. 7. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms and conditions of the Contract marked as Exhibit "B". 8. Defendant has made zero (0) payments to the Plaintiff as repayment of the monies borrowed from Plaintiff. 9. On or about September 10,2001 Plaintiff provided a letter to Defendant Jessica N. Brooks stating that the vehicle purchased by Defendant, a 2000 Mitsubishi Eclipse, serial number 4A3AC34G4YE107617, was repossessed and unless payment in fuIl was made on the outstanding loan balance, the said vehicle would be sold at a public sale on account of the Defendant and Defendant would be stilI responsible for any resulting deficiency. 10. As a result of Defendant' s failure to cure the default in payment, Plaintiff sold for and on account of Defendants said 2000 Mitsubishi Eclipse on or about March 26, 2002. 11. Plaintiff provided a letter to Defendant indicating that there was a resulting deficiency after the sale of the 2000 Mitsubishi Eclipse in the arnount of Six Thousand Seven Hundred Eighty and 05/100 DoIlars ($6,780.05). 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. 15. Despite Plaintiffs reasonable and repeated demands for payment, Defendant has failed, refused and continue to refuse to pay all sums due and owing on Defendant's loan account balance, all to the damage of Plaintiff. 16. As of October 5, 2003, the balance due, owing and unpaid on Defendant's loan account with Plaintiff is the sum of Six Thousand Seven Hundred Eighty and 05/1 00 Dollars ($6,780.05). 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 at a rate of 7.990% on the principal loan balance. 18. Pursuant to the terms and conditions ofthe extension of credit as set forth in Exhibit "BOO, Defendant agreed to pay reasonable attorney's fees and all court and collection costs. 19. Plaintiff has retained the services of the law firm of Godfrey & Courtney, P .C. in the collection of the arnounts due and owing by Defendant. 20. As of the filing of this Complaint, Plaintiff has incurred reasonable attorney's fees from the law office of Godfrey & Courtney, PoCo in the collection of the amounts due from Defendant incident to the within action, and Plaintiff shall continue to incur such attorney's fees throughout the conclusion of the proceedings. 21. The arnount of attorney's fees incurred in both matters is the sum of One Thousand Three Hundred Thirty Nine and 011100 Dollars ($1,339.01). 22. Any and all conditions precedent to the bringing of this action have been performed by Plaintiff. 23. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, respectfully requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant, Jessica N. Brooks, in the amount of Six Thousand Seven Hundred Eighty and 05/100 Dollars ($6,780.05), plus interest at an annual rate of7.990%, reasonable attorney's fees in the amount of One Thousand Three Hundred Thirty Nine and 011100 Dollars ($1,339.01), the costs of this action, and such other relief as the Court deems just and proper. Date: Respectfully submitted, By: . v"ERmCA TIO:\ r. BorlIue 1. Bcrkoski. hereby cereify ebt the following is correct: The facts set forill in the foregoing Complaint are based upon information which J hav\? furnished CO counsel. as well as upon information which has been gathered by counsel and/or others ;;cring 0,," my behalf in t.lUs matter. Thc language of the Complaint is t.fJat of counsel and not my own. I have read the Complaint, a.nelto the exeent eha!it is based upon informatiO:l which I have given eo ccume!, it is !rue and correct eo the best of my knowledge, information, and belief. To the extent that t.~e content of the Complaint is that of cOLL'l.Sel, 1 have relied upon such counsel in making this Veriflcation. I hereby acknowledge lhat the facts s~t forth in the aforesaid.Complaint are made subject to the penalties of 18 Pa. C.S.A. .g4904 relating to LL'13WOm f"-,sification to C1uthoriti~$. ~~;2_~, Bonnie L. Berkoski ., Date: ;," / C-::......;!.'!!:I nil _~J i ~.... ,\. ,. \~.~}.;-." ~~~ .~:..:~{:" .. Penn5YI;~~ia S'tate Erri~l~yeei'~.'de~it:Un-f~';;~'-'''' . . P08Gzf70lJ '0_ ...."''O''';.PAf71~10lJ . (l11)~U...(eooJ1:7.7J)1 .WTOORAFT c '_ VOl? OV~R $ 17,~26.0t? : '~ErfRENCE:,. 8828878121 VOID 120. ~AYS AF1JR.: 06!.l4I0.\. .~: '. PA.YTO.THE:<;:: .:. '....t:). ;:~". .~,~SlyIJ ....-"':..::...:....:<;~::.r- . ,_.I,"1h~.j; '00" '.:'-:'.:,'.'--;-;-:: ,':'~<:"';:" :'-'~'. ...f .' O~E~."oF~[De~~f~l": "'!j'f?R:J /.Jc:. /oO-~-: rY-/S'f)... 4N....)_..... . : -t :'(:1;' 7<<-t7 ~ ." '":-.- :":',",:~ :-~.... ~'~.'."; :':;::.=-.:>;:;::. :.<f < .~;J~~tc,Gj:jz;.M'0iY ,.0ki'.Uffi~i:#i1.~Twd,;y~frv~.a,ei'VYt~~~tlAR~.;c,:f;.? G ~% . IIMPORTANT. VOIO UN~fSS DEALER fIo'tlOtlSe....eNT COMPleTED . I MEMIll!R EN.:lORSEMENT . ," . B....... o.~, ,......... u_l..... ''''''o/Y .......... .....wl ""'''' boo ,......0<1...,.....,.... . By ondoro."~ t~lo droll '!'N. .~,.. 10 Ihe ,.,m, .H.d "" !he ron,.. oOd. ,. ",,,,,,,,>1,0/ '''' """ Wolrb..Io'''...... f;':", Pl?1 7fl.IJe. , .. . ~l tho d.oll .', " ~%'I"";'I:' ~:\' ";.;. ;;;\::..~ . I"">a'la.' :. "!' :~f....n.'!N-ME1"1100 ~M~MkIYCOUP"'" GAul.mo". r,.n.i.! DP.y,~ t)odu~'i"n' '~, A'A3'1(C3;f!Z'4<{E"07GI'7':','uS;,69.neJ.. . . /.1', " .,' )): ''''lx:IM'I;'~~'z;I'~6il";;:;).~()I)JGlTM4 :::,,=.::::n~~ ~ .~ By a:;cepunll ,he plocsods of I'''. dr.oll, )'ou .o9'oe l~ ,.... 'emu '~,O; ~'" ~.~:dDonf:~~b:';:~:TheN;.~";~M~t..'/'t"~ ~::;:~t~t ':'~: - " ESSrCA r,- BROOKS' _,.=:X<:,... . -~. :L'~,,:' Borr~"':~:f'l '., - .- .~. - C~..wltc..,~.ErnIo'...m.nll .~.:~~'.' ~?-~.~- /010 CO-APPUCM<T . " - ~ No. 1920260 I L 1l'~q202];QII' 1=23.~3a.~~~SI: ?hor.at,L,3t,~Ii~. lot. 'I . .~OOO ~ 7:;l 2];00.1 J -"'-'........, <.- '" ..", ..- .:;c_... . .~;;;. '-.,..... "" ~. ':>--"".'.-"',"_,-" .'., . . -.~............. .,. .. ":-.~. -.....,C...,.. y....... ....;;~~_,~__....~."._-:.~. ....: ~~~";,:~>>':-~~,"i;K~""W.~,.:;w~i1U ,..;-~": .!' , ."'" ~ -. __~~. ~~-.':-~"~_8:_-:'" _ ;;- ;.~;-,...:-l !i ;~ngi II !i :{~\~~ ':i I[ ,.,,'j I >;~ II II ~~': I.J , II "'~ Ii II g[~ :!) I; ~giii!1 ~:. ~ ; ,.:;> I Ii ~ 'j ~:= II II ;2i! I I) :1;" I lit, II L~ I, 73D~6 ~~Sl gal 7,"'-:; tu'" ;:J~ m 20 2m me 1111111m if-':::'~i~n;;j~ ~?qF~:;:o ."-,hq-;(,!j~ ft-!....q,!;'=J> ~.-~-.~om,... [S.F~;o o;g - .~-i1.~~t~ ~~-- n...H~-~ ~.~g .._'. i1~~_g ~,!:V;' }{fF~ "~ " ~ , -'c""",,,,1!ti;-, USf'POO::S'BUKt,PA :m.-3<635.:;"!! ,o~ml~~ 27EE345353'~E 'IUJ~':? ::~:p':ail ~ --~~SfjiH;HHg ~ . !Jli~~~J!: HH!ffit! '0 ~~llIJ;I'.'..J;j;~:I~. IF THIS IS A HOME EQUITY ADVANCE, 'f}IE ONLY SECURITY FORTHlS ADVANCE IS THE R:Al PROPERiY (IN MOST CASES YOUR HOME) WHICH YOU GAVE AS"SECURrTY WHEN YOUR ACCOUNT WAS eSTA9LfSHED. IF THIS IS NOT A "HOME EaUITY ADVANCE, IN ADDITION TO THE pLEDGE OF SHARES IN YOUR LOANUNER. CREDIT AGf'll;;EM5:NT, THE FOL!.OWlNG PROPEFm' SECURES THIS ADVANCE. ITEM PROFERT\' ! MODEl.. YEAR I I,D. NUMBER ! TYPE 1 VALUE ~ MITSUBISHI ECLIPSE 2000[ 4A3AC34G4YE107617 CPE 117,230.00 3. I I 4.QTHEA lOANuNR. ADVANCE PROCEEDS VOUCHER AND SECURITY AGREEMENT MEME!:Fl NAME JESSICA N BROOKS 19 5 MARKET ST APT 2A DUNCANNON, PA 17020 TRANSACTION TY?e: ) 1.0 N:WLOAN YOU HAVE PR:YrOUSLY EJ....ECTEO TO HAVE THIS AOVANC:: INSURED WITH THE ;:OLlOWJNG COVERAGE DAILY PERIODtC RATE ANNUAL PER~ (CHANGE IN TERMS ONLy) CENTAGE RATE .02189 7.990 % PAYMENT 363.45 YOU PLEDGE SHARES ANDIOR DEPOSiTS Or $ OLD ACCOUNT/LOAN NUMBER I I I OLD ACCOUNTILOAN NUMs"R I (A) PAYOr=F (PRJNC. .;. INT.) (0) PAYOFF (PRING. '" 1Ni.) r ~( Pennsylvania State Employees Credit Union P.O. Box 67013 Harrisburg, PA 17106-7013 (717) 787.7328 (800) 237.7328 ~. ~[i DATE I MEMBER ACCOUNT NUM3ER 6/19/200118828878721 / L10 PUR?oS(iealer Purchase NOTE-NUMBER 192026 O OPEN-END 2. LOAN ADVANCE O OTHER 3. (DESCRfBE) O HO~AE , .4. EQUITY ADVANC::;- t)(..i:llj ;l--"i ='1'1'~l" ":lr~::t:..,~..r.!w~..!.'l'i l'l;l::l :l.!..\'iM::Ii'.IJ....~lM ~ i :h)1 J I. CREDIT DfSABlllTY SINGLE CR2:DIT LIFE y"sO N00 YES 0 NO[]X JNT::REST RATE IS I AMOUNT REQUESTED lLJAMOUNT ADVANC:::D .IJ PREVIOUS BALANCE .;. OTHEA CHARGES ' ... " FIXED I VARIABLE + 9 6 11 1.7 2" 0 .0+ o 0 I 17, 2 .01- ,9". I DUE DATE I PAYM:ENT FREQUENCY 7/19/2001 MONTHLY JOINT CFl!:DIT UF"E yeS 0 NO [j{ I NEW BALANCE ::: 17,926.00 0.00 I ',PROJECTED LOAN TERM IN ACCOUNT NUMBER OLD ACCOUNTI1.0AN NUMBER I (8) PAYOFF (PR1Np. + INT.) OLD ACGOUNTIlOAN NUMBER J (E) PAYOFF {PAING. + INT:) I I OLD ACCOUNTILOAN NUMBER! I OLD ACCOUfITlLOAN NUM3ER I I I (G) PAYOFF (PRINe. ~ INT.) (F} PAYOFF (pRING. + 1NJ:) By accepting the proceeds or by using the funds advanced and deposited into your share/share draft account, you agree (1) that the property referenced above wlll secure the advance and any other advances you have now or receive in the future under the LOANLlNER'~ Credit wand Security Agreement (the Plan) and any other amounts you 0'.'118 us for any reason now or in the future in accordance with the terms of the Plan and (2) fa make payments 85 disclosed above in accordance with the terms of the Plan, ~UNA MUTUAL INSURANCE SOCIETY, j9Ba, B2, 84, 86, 88, AU. R1Gh7S RESERVffi PSECU FOI'lM #3175 11/00) JVXX0100.; 037.2092-; (1/00) 1//IEJIfl% !5/f1!6 --SCANNED.. ,; f"'oI:S LUA.NU1"1t:.K'" f..X'C'Ctl ~ ~ ~n.t., '\I'It'Jc:h h::::!IJOe:s Uoe"Tt\IU'\ 11 ~ Olsdosutes. """ be .....~ to ... the PIon. '1'ha Plan ~ h:ludo tt*; A;~ IJ"ld at\~. You.)'OU1" ar.:::f tx>l.One1 rn64r'l Ul)' pe-rson 'ftM ~ U""oQ 'P1.e.n.. Cre<fit lJfik-n. .....-e. our ~ us mean PSECtl Of a.nrooe 10 whom lhe Cre6t Ur>on tn..~ l!:s ~ tJnd.er the P1a.n. Thes is a ~le dooJmeol: 't'I't1ktI rr~ be usOO 10 ~ to boI.owe<'S in a~ stales. 1. HOWTHIS PUJ..fWORKS - This is an OJ:-en-end, mutti-leatur&d O'"e<flt plan. We anticipate trLat. from tirr..e to time. you .....,11 t;.cliCW mor.ey (ca1Ied .a~sj ur.der ~ P1a.n. We are not requtred to make advanoes to )'OU undet the f1.an and ea.n ref1.l'S-e a request (0( an .dv3.noe at J1ny tfm.e. The Addeod'um cSe::saIJ.e:s ItJ.e Ot'..erent type;s ot cre<frt (cal1ed ~ccooots1 availabk coder the Plan, the OJTTe!lt interest rale 10f each subaccount expressed as a daily penoolC rate and CQ(Tes,..--oneing anr.oal p.ercentag.e rate and ~r charges. ft rr-.ay also tI..ave other terms and a sd1edule to< determining L'"Ie payment amoo..'I1t.s. 2. CREDIT UMrr - We rr.ay. txJ1 00 not have to. est.a.br'1So'1 a c:red'"rt limit ()(l certaIn suba.O:::OOnts. It a credit timit Cs set for a suOaO'X"l.."t. )"00 ptemi:s.e no< to e..xceed the .establ!.s.hed' c:reod"'rt """'.. tf )'OU exee.ed the creer. 'm1t, )"OU prom.ise \0 tepa'1 VnmeOiately tho amo<J<1t \OJ)lch exOMds the creert im~, 3. REPAVMEr{r-Voo promise to <<payal amo<Jntsyou <we under'..... P1at1 plus lme/"8:S".. Payrr.etllS are doe 00 the la.st day 0( the month lX'Jess ~ &et a ~..ertYlt date Et the time of ~n advaroe. tf the Addeod(.r.l has no payme<rt ~ b" a sveaccovnt. yo<X pa';me<1l wllI ,be Oete<m<neo:J at the tilM c{ e.acl\ advat>oe. Payrr..errts must induCe IV!)' arnour.t p.ast due 2nd MY arnout'll D;-' .....-Nd'1 )"O'-J have e..xce-eded any aed""rt Zi.mh y::cJ have be-en live-n b- I!. $Ub.aco:xrnt. You may rep.a'j a.' . 0< part of ...rol you owo a' any limo witho<.1 8nf P<'opa~ pe<13.'ty. e....n V you prepay, )?.f ",,111 S",i'U be required &0 make the ~iarty sdPed~ p.aymerrts U"'Je.ss 'We aQ'1'e-e in wrttiC"lg' to a cnan.ge In the p.ayrn.enl sdJ.e.du'te. tt )"OU t-.ave a }o(nt share dra~ ~ ~ ",,11 b< responsible"" paylng ett OYOcO"ft advaoee$ obtaIoed by ~ joint hokSer o( the s.~re dralt ao::oo..:nl Payments Y<iIl be appr~ i1 the <<der the 0_ UrUon ~ .c. PLAN ACCESS -You can obtain c:re<ftt advances in any mal'Y'oer el..tt:iorized by lIS. It we altcw you to use ~r ATMlDebit card' to access the Plan. you may be iable lor C'\e t.."l'\3uthotized vse of )'Our ATMIOebit card, You 'W'l11 not be rLable for un.a.uthorl:!::ed use tha~ OCOJr'S arter)'Ou t'lOtrty us. orally or in writing, of the Soss. thet-", or pcs..si:bte unaU'ttoOrtzed t..rSe. It )'Q(J beGew: )'OUr ATMJOetXt card has been ~ or s;,~. ~J.2te!y inform the Cre<:fft Union by caUing or writing U'S a: the terephon.e numbe< 0( address tN.! appears etsewf1ere in the Plan. If the card is used to obl.a.in advances directly from the PLan. )'Our iability will not ex~ $SO.1t the unauthorized .,.,;,r.crawaJ is from a share dt;tft ao=Kl~ )'O<Jf iebUi<y is goyeffied by 1M Regutatic<1 E <fcSdo$ur~)'OU r~!ve'd at the ~me ~ reoei\.oe<:f your ATMIOeb(t card.. even If tt"~ _ resl.tl".s., an acfo.:aroo being maoo from )'O<JrOYefdrolt ~~ 5. FlNANCE CHARGE -The dolIa, amoon!)<lu pay l>r """"'y bo~ is caned a "fnaroe charOe' and beg'''' on It\e eate of each advanoe. ^ lir.aroe ~ v.!U be """"l'UIed ""!"Irately lor eo<t1 ""!"It'Ala balat>oe \lnder lho P\an. To ~e the l'nanoo charOe. It\e ~ balanoe lor ea<t1 clay siooe )<l<.< last pa)TTlOflt (0<' slnoo an .-=- V you ~ not re' made. ~ is rrv.J'JpI'.oo by lhe ~ble Wy ~ me. The <urn 0/ ~ atrlOUr'ts is ...... finanoo ctwge cwod. The balanoe ! us<<l '" o:ompuIe ..... fn&nce ~ is It\e ~ ba!anoo eoeh <!AJ aile< ~ ,. aM ~ 10 _ balanoo "..... b<><><1 S<.blrac:ed and ani -.. to the be1anoo haw ~ made." .~io ~... maycr.a,..,. oltwl'<wce ~ Yoi1ld1 are d'~ed on h Addendum.. ff the r.t<<es:t C'8te Is . varla!::le k'rtereSt rate, U;.e NXleod= axplaIns 00w the \'arlabI. r...rost <ate worl<s. 6. S ECURrrY INTEREST - The PlaT1 is SAaJfOO t>y the "'.ares ard doposlts'., a' pm ....d r-.cMduaJ ao=Klts you haYe \'<itt11t\e er.d1t Union """ and ., It\e fuMe. S\ares u.d deposits ., 811 Iner.iC<.Jat Rotiremer:t ^'='<Jr:I. and L'rf other ao::o<:nl ~ would lcs.e s::ped.a! tax ltea~m uoQer state Ol" k-dera! 1Q.y If ,;...en as s.eoJrity are not $.t,:t:iea &0 the S-eCUmy merest )'OU haw ,,~n n yx.,.. s..'\ara..s ano.::!' depo:slts. ~...or.a! ROJrity rnay be required depeOOog on tt"..e s.ut;.aCCOo:..1":'t t.nOer ~ IJ'1 aevance ts requesteo::!.. For ex:a~. a ~or:1. earr.ed "'New Cat J..Cvarlces. (:')P-3.f"tS tie s.ecurit'j will be a new car. A $l...'t-aCCOl.Jf'lt c:a~ -other SeoJre-d .A-"'vanc:e-s. ~":S )?J (ru",,'st offer s.ea.:rirj ao::eptabf..e to tf;e ~ Untvn $or toe aevanc:e. Propoerty ~;""n as s..ecurity b- any ae.-ance l./'f"id.2r tt".e Plan .,.,.,11 s-eo..rre e.~l OC",er. 2~r.t.S )'OU <:"We L'OC~r the ptzn 0< ~r a.'"rf other AS;re-er.;.em \fIof:h us (')(;.:-H Of in t1e M..Jre. Pr~rtl ~rir,9 ct"er 5ca~ wr-..h lIS rr.4'j 8!~ s.eo,:re t1e P:.an. J.io.,...~r. if Y:-lJ h2.-..e civen)'"Xlr ewerring as s..eo..:rity fc< a lean wi'::ll.:S. tna.t ~el!ir..; ""';/1 net ~re 8.11 !Ct'ance r.-.ad-e under tr.e Plan. 7. PROPERTY INSURANCE, TAXES AHD FEES -You ""':J[ be ~we-C \c p.r~ p-oo:;.er.y ....s.ura.r.ce 0': cer".a:n ly",...es o( s.eo..~ ~.a: )?.I ,r~ kx a.:vaI"'GeS. Yoo r.'.:?1 pvrd'\a.s.e C".e Pros:>e~/ r:s.cra."'Ce frOf:"l a~ Y="-J d".oos-e......no is.~ &0 t';e ~ u-.:on.~ a.'T'lOV":(a....:CC'.-e~cfCl>e~hsura.""Ce~l>:! a~ Ie !..:S. "t';xJ ma'1 ~~ t:>e ~ i"'$..'I"3rCe e-~, a ~l)'..o a!re.aC-f t'.a-.-e. or c:o.Jt-u.l.C..:"':1..:.l':"OAC:V=', lQo<::rJ.I!:2. &.4.&Q. f';. '17'.~ FlJo""......rrs P.E.S€R','S~ _~l!(;.Jr. ~ . poIq )'O<l gel and Pet b-. -- pn:mlse 10 make lho ....._ _ . payaI:<o 10 us and '" deq- the polley 0< prW of ~ 10 US V ~~ f>:Il=y V you cancol)<OUf nsulVlOO and oe\a relu-d,.... have a ~ 10 tho 00- property is Iosl 0< clamagod, .... con US<l .... ~ -.".,. rvfUfld. U thO property 0< apply k ICwaJds \>oNt you owo. V"" ._ us 10 ~ 10 l'Opoir ~ d-.od< whieh m<rf be pe;,atIo .., you ., order fc.o us to o:llIoct any any d<ah or due und<r your insu"","", po/'><:y. Voo ~ to POOl all !axes ~ or booolits registratic<1 fees) due Oflthe property and to keep lh< property hs<,r~nd ":<s ('ike and 9=a~ . a= loss U you do not Pet the taxas or fees Oflthe jsroperty ...toen due 0< k... '. may pay tnes.e oOlic=a~O<\S. tx..1 we are not required 10 do $0. Arrj ~ nstJr~. we fer wes, fe.es or insurance WllI be added to the unpaid baLance of U;....J we Sp.:lod y.xs v.iu pay intereS': on UIose arr.ounts at tt'..e same rate)'OU agrH<f t~vartt:::e ar,d advarce. We. may recetw p.a:yrn.enls ., o:x"i".ection 't'oith tl-.e ~ (j pay on the rompany >oNo:l1 prtl'o'ides lho '=""'""'. w. may mooitor C<Jf lean. ",,""'" ~om a c( OelermWng whethoer)"OO and other borr~f'lers N.Y'Q o:.mp[i.ed -w;e, ~~ requirements of Its loan .....eements 0< m<rf engago other> to do 00. The ~~ cto.argod .dded to >"'" a4veno:o m<rf IncfOO< (1) lho lnsuronoo ~ .~.,..,. to us ard (2) the. cost 01 OOtotmWng o:xnpliaI>ce \'<itt1the hsuranoe req~ts ..... add amoonts "" taxes. fees 0< Insurar.oo \0 the U<'1paXl baJanco> of your nts. w .... =i h:reas< yo<X pe',ments 10 pay lh< .."""'" .dded witNn lho ~~. hsl.."t'SIlCe Ol" ~te W<m cHhe advance. 1r'\.9 e, NOnCe - H)'O\J 00 oot purchase the re-:,uited prop.etty~rance. the hsorance 't.'e m:rl purdus.e and ci'~ )?J b" wttl CCYer only our Interest .... tl10e pr'Openy."1'hc l.."'\.SuMlnoe ......11 net be flablUty In:s:uranoe. . s. CREo'rr INSURANCE - Oed'rt if, arx'Jor cred? disab<lity lnsuranoo Is opt;onal ender fh<j P\an. ~ )'O<J quaJ'<fy b- and purcnas. the Insu"""" from us, )00 '_lize us 10 add the hsura""" p<<mI= mon:Ny 10 your I>al1 baJanco> and charge )00 r.terest 00 the entire ba!.a.o::e. It )'OU ~ed cred'ct hsurance. )'OUr pajtnenls may h:reas< or the period. of time r>e<=sal)' to feP;<Y your aelva""" m<rf be exterded bey:r.d 1he a.pproxJma!e tenn staled on the Addendum.lhe cred"rt hsurat"Ce rales ~I change during the P1.an. If the rates change. we "Will P<~e 2frj notices required by ~pr.cable law. 10. PERIOOIC STATEMENT - On a regular basis )'00 win recei-,.e a ltatement snc-...ing a~ transactions l.tl'lder the PLan curing the period covered by the statement StatemenLs and notices wm be sent to )'Ou at the most recent address )"'U Nvt . giowoen us In writi'ng. Unless apprlCable law requires notioe to each Joint ~~r, ~tice to any OM of you will be noUoe to d. . . 11. JOII(]' ACCOUIITS -U INs is ajoinlao:oor.l. ea<t1 01 you is h:!'Mduany.nd Jolnlfy ~ lor paf.ng aI Ill11O<JnlS cwod. That means """ C3t1 enbo:e 0<Jf rij;hts t.'l"lder the Ptan against any one of )'O'J IndivSduany Of against am ~f )"OU &og-ether. It )'O<J giYe us lnc:ons1stent Instructions: we c::an refuse 10 foGcw )'OVl" nstn.oclJons. Uflless our.l'rlaer1 po/'><:y req<ilr.. II or you 10 slg1 b- 811._,each cI you aU1llortzeslt\e o<t>er(s) 10 eIltaln advances k1dMdually and a,fees to repoy ado.-ances made 10 the o<her(s). . 12. FEES AND CHARGES - n you """ us . securtty r...,est ., oo""'!)?OS of property. MI m<rf d\ar!iA you a liI"r.g ~ 10 per1<et o<x r.<eresl.,..... P"'9"rl'f. ff.... . ..... atnc)U'1( 0/ lho lee w:I be <!>s'*'<od 10 you atlho time you oOWn 811 adwa. W. i m<rf also o:r.a.... )'O<J c<her ..... ., co..~, wl:i1 ..... Platt. Those foes ar. I ~ on ..... Addend"" and wm be added \0 your IoaiI balaroo u'lIess )'>.l poy them ., cas/\. 13. UPDATiNG 9REOO INFORMATiON - 'l\Ju promI.so llla. you "'" ~~ us.....rn:eonotk:ett~l'r'lOY'El.~)'Ol..'l"N.J"l'loeO(~(l(.tlW r Irnonnation you p~ to US cl'~. \Jp:<1 "" re<;uest y;u also a...... to p<O'<ICe t.'S lJpeated tinancial i"r'.ormax-n. . . In Id4ha 1.(. DEFAULT - ~ {oUowfng p4ragraph .pp/fe-s to bc~rs ].:a ~ l<4f1.s..I$/1.(4fM 6nc South c.roIlru:YOI.l ~ be ., defaut: 1t)'OU.O::J ~~It W9 pa'j'l'T"Ier:t ot me A.'ncol.:r.f. ~ l'fhen It ~ cue. You yr,rl a:so bo9 ., de rti,~ t.er.eY"3 t"..e pl"OSped cf pa'jmoe1'tt. perfcr.r.ar.ce. Of rearLZatior1 0t1 ar:y pt"OP'3 . as $eCJrlrj is s~nlfa..nty 1r.-9a!ted. . In UJ'l'.~"''''''''In:YO<JW.'Ube i:l ~ (ollawfng p.uagrapll .pplks only to bcrrawers m~:- 12..(1'lO"\tt\. c~fau/'t if )"'Ju bil t<l make a p.a-"....-,enl ....f-,er: c\,~ tHO (ir.;es cur.ng a.":j .a.!er".a~ ~rioC'. VC'U ....~Il ~ in doe!al..+t"d t<eak:'r-c L'T'f P(~ O"'.eOe ~r the ~~.~ ir.':p.airs y...ur 4:-;lrrl to repay whoa! p...: cw<:!. Yoo win s.:so b-9: .., ~!a...~ if br aCvar.::e. prC-r:1i.se rr.aC03 uo""JCer 2 Seccm-I A.;r~r'l"'.er:t r:-.a~ in cor.r,.ec:t..on. ~ e.1 rfj yx fr'.a:af.arly rnp.airs the o:<lC'rtic<l. va!r..-e. cr ~rctec1;C-t1 of ~ our ~/':t ., tho! ~ va'<""3U~ri:'i.. ....- '.. . ... .. t..a i':C~~u" ~ fQ"owfl'l~ p.4rMgnph appIk:s Ml.,.lo ~ /1'1 ~:Yc<J ~ i1 ~2l.ilt ~ rt y....u lI.,e r.-.ore t"'.a.1 10 Cays tate" rr.ak)o.; a pa'F.er.t. YOOJ......m s..!s? . . ~~"'l~ ._~.IrJr"=1 J6::O:COS01-1 \ioJ" . """--J _._................._.. ........~ ~ &l1 ~ c..r..:S<Ir iho-;;;';:::;;;;;;i!be n do!autt r)'J<J 60. "- i:<~. ~ ~ r)'OU m&ko a.'>'j Ia!s<s n any aW. ~tIoo 0( updalo 01 <n><St Won'na,;,o. 0<' II somelhlng I>appons .... ~ may S<.bstatlt!a!I: reOOol )'0<." abl!ity to reP<rI...mt)'J<J .,.,.,... yO<! >o'lI ""'" be n defautt lX'o:l<r!he Plan r)'J<J .,.., ;, Q6fault t.r<lo< any o<ho( loon a~ _ us. 15. ACTIONS AFTER DEFAULT - n.. following p.,.,g,.ph .ppl1u to bcf'T'l:J't't'e~ In Colorado, DIstrict of O,!umb(4. tow~, IUnus, J.U./n.. J..f4s.s..1chu$<!tts. Irf{ssaurl, Nebr6sk.J. West Vlrr;fnf4 .nd S<xrth C4rolf/J4: \4t'hen yotJ atEl in default end after e..xpira(;on cf any right too ha.'0'9 under ~ stale law to cure )<><X' default, we can <i<mand irTmeCiai. payment of the eoti", ~ balaroc>> ur><:ler the Plan wt:hout ~ l"U .~ notice. . ~ follovdng pAragraph. .pplles 10 bofT'C'Nen; In Itll O!1uH $tstes exoept., J+'t,scon.sln .nd Louls14t14: Vlhen }OO are ~ de!:a.utt. W'EI can require Jmrr..3.cfl3te p.ayrn&fit (acce~ratkx1) at C1e entire r..-np.ak1 t:.a!ance under th6 P1a.:i.. You 'H3.iYa Ir:f rl,;<N )'OU he.... to demand i:< P"Y'Mr.t. r.o6:e of ....nt to a"",lerat. Blld no&:. 01 acceklrat:icxl.. ~ IeIlowing p4(:1grs.p"~ .ppJy to bon-owel'$' In .1/ $utu uOt:p' W1$C()(U/n .r>d Lo<J/sUru, II ~I' pa'f'l'O<'! b Oemande<i. )'OU w!II CO<rtirtJ'J to pef r.wrest until what)'OU owe t\as boon repaJd, a: the e;>Plca!:J. ;".rost rates;' ef',ed lX'l= II do9fauft rate 1:$ ~ 0<1 U'loa ~ tf a de.rn.and k< ~le p.a;(l'OO1it /\as beffl mad<l. tho ~ aI>d clepo>1ts g....n as uo"rity 10< the Plan Cat1 be .e.ppGed low3.td:s 'Mla! )<XJ 0'H'eI. We catl e!so exerci$.e any o~r rlo;Mts s;Cve-n ty law 'W'fi.c<1 you 8fe in d-3eat,.'t'... '. . You aVO'" the C<'o6t Ur.ioo has the ~ Ie take ~loo 01 any P"C'P"rty """" as s=Jritj i:< all edva= U"<le'~" po.." wiIho<.~)u6dal p<">c<ss II U1ls can be do-.e .-i:t>o<il b<eadl ot the poace.lI we as!:, )'J<J po:>mlse to c!er.....r the P<'OPOrty aJ a trno and place ..... choo$e. w. ,.,;n not be ~ Ix any o!t',er P"C'P"rty. no! ~ by "'" I-g"'."nen~ Iha.! )'J<J IuYe i1s.IOe the ~rty 01' Iha.! Is attached 10 the p<op<>rty. W. >oill tIy Ion>tum thaI prop<rty 1o)'J<J '" maks ~ available 10)'OU to dalm. Ao'ta< we haYe ~: H ~ l s' ~ .0( #Ie property, we can sea lr: end ~..<he m::::oey So Mi amo<.r.ts )'OU ""'" us. w. "^, g....,)'J<J r>:ltice 01 any pU>c sale. '" It>e date afie(..rkh '. privale s.W wro be held. OJr ~ $o( taking posses.$ion ct ..""Id selling She property ...ill be cleCuded lrom !he """"'"'i received from tho salo.1'l=<> """oS ""'I h:lude !he cost 01 s:~ It.. property. prepaftlg k b' sa:. and attome/slees Ie .... e>::er.( perrMtOO U<1det ....,. ....... 0( .......'ded lSlCe( 5S06(bJ o/the Bar11o:n.pcy eoo.. Tll<l rost 0I1he salo """"'"'i ><ill be OW><d to >oha1)'J<J ""'" lX'o:l<, It>e P\an,. 16. ACTlONS AFTER DEFAULT - WlSCONSIN - T/H fo/towffls ".,.s,.ph ..ppnu only 10 WlS<>>rISln bon'ow<r7: 1'thetl)OO are ;, default and afief <<q>ltatloo of any riol1l)OO heve under awUcab1. ...al.""'" Ie OJ'.)'O'Jr dd!ault,.we may requite' irTvn<>dla04 payrr>er1C QI )<>X ~ loan baJa.-,c., Uflder lfo.e Plan and _ (. : l" l : ')0 0( en" ~rty. You m:&y -.ofuTrtariIy give the p4'q)ertj &0 us 1t)'QiJ c:hoo:sa, 0( .... may _ to take poss6S$k>o 01 the property by jod'da1 proooss. II w.e ~ : 's 0$$ !he property.l"U .gr&<> \0 P<<f ~ O"l"'tl$e$lo:\Jn'ed ;, d<sposlng of lhe P<'OPOrty.llthe prop<rty Is a mo<or _. ~ homo, _, ~. bort 0( aln:rall. )'O'J v.iI """',l>e re<;chd Ie pef a.'>'j 0>Sts perm/:!e<l by Sedlon o(22.41301lheW~~ T7. ACTlONS .AFTER ~ - LCXllStAI'" - ~ ~ pu'IIf}f'Oph ~ ()(l/y 10 ~ boo,,,,,..',,, \'morI)'J<J are ;, de!Wl, ..... C<b1 ~ ~ ~ (oo::olo.4Jlon) 01 ..... 6'1fre ~ baleroe c.nOer .... Plan. _ ""'''''' any r\;;t't )'OU ........ to ddrrand b' pofmO(t, ro<Sce 01 i1tsct 10 ~ and n<:><bl 01 ~ . ~ pe,ment Is Oemarded. )'OU ..... CJ<'<h.oe 10 P<<f ~ ...., -)'J<J ""'" has b&e<1 repa.I:! c lhe .;:opOc-blo _ _ n oiled ~ a Oetu..<: """ Is <b:I:>se<l '" lhe Mdecd.m. II. deman:llx hmeOa'.e ~ /\as ~ rr.ede, .... shat1>s on:! depo$Its r;r..n os ~ i:< !he Plan can be Wod """'.:t!s -)'J<J """" We can aJso ."",;sa ""I cIher rl!;Hs ""'" by .......l'of>e<1)'J<J .... . 'n~a."dCO"rlo;;t'isLn::!e(e."'!f~/~'lier.ts)QJha-r"9~t:s. . t a. CANCElllNG OR CHANGtNG'THE PLAN - TI><f fcllowfng puagraph .ppllu or.ly to bo<row<rs In Innou: W. ha'", !he rI;;r.l to chan,;oe the \efmS d roe Plan from llme 10 <:me af:er "",0.;; )<>J ""I'Mroce I'>OtIco3 re<;<Ared by ia'o'<. Mt ::ha...-.;-e \0 tt">e r-:tQr~ nr.e c<at::oerct\2.l'~ w:" WI '" fvh..T'EI ,~. rn..: !ollow-'.ng p4f71gf"lphs 6..;JPly or.ly to bc~ In ~7SO'J('...slf1: V,'e ca." t\atlg..the Ie"", ollt.e P<a11 from '""" to IT:'.. n.~..i:1 ~ 422.415 rl the y[~ Sta:..-te:s.. You "",11 t;.e w..:.r~ of a.~ d-..a.."'.z-g h terms. A., ~ 1 tf'i.e Ga!.loj P'3~ ra!e l.~r a va~ (a~e r:terest ra.:a 1:5 net ~ a :ha~ h terms r..'f"ld.3f t".e P'.a.1-. . '/e can c:a..~1 tr>'3 er.C~ P'~, Cf a.7f part cf e.e P..a.1 e: a.~ !;r:-..e. Yoo (i'.l!:1 c::ar.::::e-l" "loe P.a., at !',-ry t:r.;..a to; Cr-lr-; L-"S p<k< .....r.t:en t"oCtic:e, Yoor cer~~ to pori C'".e ....~ Ca.!.a..-.:::es u~r C"'.e ~nT'.S c{ t"".e P:.a.1 ccr.tIr....-es .....n.e::-~f y....w.O( t:;.a creO':. ~ ca.~ t"""J P.a..". ~( Ie tr.e e:::::e-r:t t"'.et )'?'.'f i.a.t~:it"i ~ i:o~&d t:y ~ 22...c15Soit".-JY{~S/..a:t,.1~' . . .~(:('t'~ ll'M to<<rWrng~~tcbo...;,.(/._In.n~~W rll1'< 1<> cNnoo the \eml$ 01 the P\ol1Irom time to lime _ Ol'mg .. """" lh< no<lo! re<;<Jlrod by law. Mt ~;, It'.e """rest rat. \dI apply 10 ~ any Il<lvarc., ard aJ WI' d<5c..<loo , ar<< ~ ....._h. ~: hi i>crea>o ;,1I1e da1tj penocx rate oo:le< a ~ ........,;'~ conslderod a dwlge ;,lerms t.I1def It.e Plan. W. can car>oellhe <><lli !>Ie b "'?' part 0I!t',e Plan at "'" lime. You can Cance;.... Plan at..'rj tim<>. Y~ ~ ~ any peflt.e unpaid balarces U'lder!he Ie"", oi the Plan ~ ~ """"",lioo to Credt Unloo canctlthe Plan. )'ou or It>e Sectforus 21-2,5 awfy 11)'J<J glv. o.<=rity In CO<lneetloo with &it ~ . It>< Plan. ~ apply to borrow.... In aU ''''I.. except Loutdana. Loo~~ bof"t'O'\ol(era wUl exe<::utc I s.ep.arat.e s-ewrtty agre-ement. a~ In ;:; ctates m.a.y 11$0 be I,ke-d to exe<;Ut.e.. ~ UCUrfty...~ Cl r 19. DELAY IN ENFORCING RlGflTS AND CHANGES IN THE PlAN _ W c!etay eI1lo<c!ng any oi OU' ~Ilts under INs Plan any ~Yrbor 0( fmes ~ ~~ the abo1itjle _rdse "-" ~Is Wer. W. can enCon:e INs Plan ~)'Our"';;; v ~ raP<'~tM>s.I1.... ~ It'.e f.efm$ of.". Plan. )'0<1 ag_lho! ltis ~ "'" 0JnI!~ to p<o(ed us. . 20. COh"TlNUED EFFE.CTlVE.NESS - 11 ""I pat! 01 ttJb Plan Is ~ by a. cocrt to be L-~. 'the ms:t ~ remai1 k1 ef.ed... 21. THE SECURm' FOR niE LOAN -y", give US >ohai Is me..." as a seo.'rit:f' "".'es! ;, a.'. ~ ~ ;, any re.:elpt, \Wd>er 0( o<t>er ~ )'oU r=lYe I;>r an }""wr>Ce (1t>e M.arx:ej. The ~ 1nte.-est)'O'J g.... h:lu6o$ all 8. :: I :': .l..S. ~ U'8 ~ ~ Me attach&d to (J( hstalJ.a.d., IN property now '" n lfo.e Mn. The ~rity hlOf'BSt ""'" rdudes "'" ~ '" 100 ~rty >ohld1)'J<J bey >olltit110 days of the Mvar.ce or any~. ~ 0( relinatldr>g 01.... ~. h a!so i1dudes any ~)OO ~ !loom..mng the prop<rty or !loom ~ l"U have O'llt.e property.l1lhe wi"" oC II-.. pn:operty dec!Kle;s. )'O'J ~ Ie g;..., us mo.-e prop<rty as ~ 11 asked to do 00. . 22. WHAT THE SECURITY l/ITEREST COVERS - n-.. security lr1t.rosl soa:r." the ACvanctJ described" in ~ teceTpt. YOC.JCh.er or a.rry other document.)OU receiVe a.t the time of !he .Ar:Jvar,:::tJ and Mrf ex:&nSions. renewals or rer~ Q( tt'e ~. ft eJso s.ecura.s e..'7j othoer advanoe:s)'OU have rG'YI 0{" t"&C:ieMll'l tM future- . unde'!he Plan arX ~ re$;deno,..1I tfo.e prop<rty Is I1ousehold pooCs .... defined l!t th,6 ~i31"'racje, ~loo 0.0. p",_ Rule, It.e prcpertj >oil! UOJra cxoJy Ih<l M<arce an<S n,:rt -",""",,Is)'J<J"""'" . . 2:3: OWNERSHIP OFTHE PROPERTY - 'lOO prl>mlse #1at)'OU ""'" the prop<rty or II the Mvar.ce Is Ia bey It.e property, )'J<J p<tmlse )'OU >oil! US<llhd ~ b' INL purposo. yO<! pn:omlso It\at ro C<1e else t\as "'" 1r1t._ In '" dain agaklst _ ~rty !hat)OO ha-.., t>Ol aIreac!)' klld '" abo<.rt. yO<! prc<nIso nolle sell 0( ~ ':: pr10perty 0( Ie .... . as 00<:lJrlty i:< a loan _ ano!t'.e, r:red1lor l,lr1lil.... Mvarct ~ repald. You prc<nIso )'J<J ~ allow ro _ ~ Inte_ 0( ..., t:> altld1 to !he P<"'PO<1Y ellher by}<XX Odlons "'by ~ 01 law. . . 2~; PROTEC'TlNGTHE. seOJRITY INTERE.ST-II l""X_e ~ alllle b'tl>e P<"'PO<1Y. )'OU prc<nIso to "..,." our ~ _ sIlO'WTl '" the __ W. rM'i"""" . 10 tile ..net Is called a 6randng Ateme<;( ., prolect ovr oeOJrity ~ ~ ~ c:!alms 01 cXtle ".11 asl:td to do co. )'OU 1'='''' to o9't a lirIanclng """,,,' ~ - &!sa prornlse '" do >oMI.....r elso .... N1k b r>eco>sury to prcleo::l wr soo,oritf h._hthe.p<o:>p<lft,'. . 25. USE OF PROPERTY - Untl ;... ~ t\as b&e<1 poJd o/f, y;u ~ ~. Ml~ (I) Use It.e prop<rty carwMl and I:Hp l ;, \Iood repaIr. (2) 00Wl.... 6c!;;" perrr.!sslor1 bel:<1l rr.aJ6'>; maio< ~ 10 It.e ~rty or ~ the a (.) .mere It.e ~rt/ls ~ (3) Inb'm US 1-1 ~ bolor'e ~ )'OU'1s~~ ~ '" 10 i1sped It.e prcperty. (5) ~ rx;<Ify '" r !he p<'C\?eflY ~oten or e.!:<=d. (6) Ncl .... the property Ix Orrj ~ f'J"PO$'!. 26. NORTH DAKoTA NOTICE TO BORROW'E.RS PURCHA$lN~~gr; YEHICl..E.. TIiE MOTOR VEHICLE IN THIS TRANSACTION MAY BE. EJ,.SE. REPOSSESSION. IF IT IS REPOSSESSED AND SOLD TO SOMEE.O~';."'D L~ A....O ALL AMOUms DUE TO THE SECURED PARTY ARE. NOT R <.='" THAT SALE, YOU W. Y IlA YE TO PAY THE DIFFERENCE.. . UR 27. VERMONT NOTICE TO CO-SIGNER - YO FIE SIGNATURE ON Ti-iIS NOTE MEANS THAT :~~F~E EQUALLY UABLE FOR REPAYMENT OFTHIS LO""'A' 'LEGAL BORROWER OOES NOT PAY,THE LENDER HAS RIGHTTO COLLECT FROM YOU. . --- - -'---'-VWlQ~~-'Y~ . __. .....r.--~...T"^'.,y~ ofCl"wlamoc.r:t)'OU""""&ndNd41elt\a'ttb:dIJe. al:t3.tOl1')<< ., )'0<.'1' '1o<lM. """ us ..... ~ WJtma~ I/)'OU la.11o ptt..... IIT1OU"t lMl.... It*'k)OJ owe, .... may '"Port l'Ou - 'oI:>vr"""" and a=:>U'1C tonOo<. ~. . W' e>;>lan46:<l doO$ "'" ~)'OU and )'OU Wrile 10 .....:., ~ . The._,"""""". O(lho.."'\'OC'O<lo""". . Ie&.g us hl)'OUst!:l_lopey..... rrcstlell_"","'P'>rtl'Ou~ 1on1lttr. h<Ml a ~ abo<.( )<lU' ""temed. kd, .... tnl.lSl1ell )'OU !he - ~ y>. - 0e=r1l>e lh<l ""'" and ~ . )OJ c:atI. >otly )'OU be...... ttoe<. Is an emJ(. .... ...p<o<1bd )OJ Ie. We """ ~ at:)'OOO ..... fepo<l )'OU 10 !hat 1tle :no << at1)'on< II )'O<l need """" ~ do$at,e lI>o hm )'OU are not ...... e.ix>Jl. ..t:lod be"-"t LIS Yol1oo k lina!ly Is. .' "r ha, beer 1t)'O<l ha~ autnorlzO<l us 10 P"Ya ere6t c:a:':! a=nlaUlomatically 1"",,)'OUr share If.... don1 foI'.cw lI>o.. Me...... can1 oollect!he l<m;so of the "'-~_ ~ . a=vnl o<checki~ =q'OU C3J1$lcp!he p&}1Tlenl enanyamo<J<1l)'OUlt1W<1s ......" K)'OUl''''<emenl was correct. . '-~>eoamc..m~ <oT'OOg. To ..os> !he payrnenl)<XIr leU... rrcst rea<l1us It1Iw businoss days before tI;e SPECIAl RULE FOR CREll(J' CARD IluRCHASES -If)'OU I1a.", a aUlOfflatk= paymenlls cche<juled.1O 0<aJl'. tI;e qual<ty of P<OP<'''Y or u'*"" L'>al )OJ p.,rdlase<j "^<h a ~ ~ w<h VQUR RIGHTS AHOOUR RESPONSI81UTlES AFTER WE RECEIVE YOUR ha.... tried In g>od!ai<"l '" =0<< lI>o protl<m with tile mel'Ctl3nt,)'OU ana)'O<J WRITTEN NOTICe - w. must adc.~ )'OUr lee", ~ithin 30 CaY'. IIf'Joss ..... right nol 10 pay'" re~ en>o<Jnl dve en !he properly or..r.lces. .;;:,: I1a.", !he t\.r...e corrected th.e 811"0( tIy tloel1.. vr~ 00 c3ys, 'We fTl.Ll:S1 either oorred the error or G'mit.at;or.s on trois ~ht (a) 'ttlu rr.ust haw made !he purc:ha.s.e 1n)'OU' tr.::me' are two ex;:>laln why w. ber...... '!'" otalemer" .... cOrrect . not ~ )'OUl' /1OmO ...... '>i1Ilin 100 "..... oi)'OUr C<Jll'Ont malIClg ~~a 0(, AA~.... ro<:eiw )'OOl' letter. .... ~ by 10 o:>1od any atnOU1t )'OU ~ 0< (l>) The purthaso pOco 1Tx.:st""'" ~ rn<<'e lhar1;so. ' and report)<XI as cleIloquenL W. C2l1 cor:Ih!e 10 $OOd o:alemen!s 1o)'OU i:< tho "'l>O<.Tlt Those imIlalloos do no( awIY k.... 0Y0Tl 0( opetato the rnel'Ctl3nt, 0< k';' mall )<>.I c;oosllon. l'lducIInQ Manco ~ and .... can apply any lJO".,.l:f atTlOU'\l )'OU ..... ad'o'Elrt>sornent i:< f>e properly 0< ..f\'loes. <d """'f; 'tI1{ ~/::t' I [cC If:';/' T:r ej;/::t ::t1~/::t,'[" oJ ~/' ~ (~/I, (:, h" ~::il'I 'J/I'{<f') i-"f I{ ~ 'j.i I J;/ In _ ~ u... ~ )'00 ard youi rr.e= each..-,d all 0/....,.. ..no oWl New Ba!arco =-is)O<XCI'9<:ft lhe. )<XI rrus: kmledialoly pay !he .,.,... <.;>on <:o;r Jo< 1M card 0( who ~ Hs ~C.ord moans !he YlSA Cn0t Cord ard any demard. Via ~~ oWl ~ 11 tho """""'.og marner. fi<>t 10 ~ .... lees.. dupl'catas aM ~ WI) Isw<. A<>>o<urt muns )'OUr VISA Cn>C" Card the 01 ".,.., to ~ ~ a&an:es fnarco cr..,...., #,>on ., preo.lous I'U'Ct.... &-oar.:e Credit a=Jr1l w:m "" W., us, and 0<.... me..u>s !his Cre6t l..W= . chat11<>s, ......., 10 ~ .... lOts. lhe<11o ~ c:asI1 ~ balaJ.:es, lho<\ 10> 1. RESPONSIBILITY -It we ...... )OJ 0 card. )'OU a'..... Ie ropay a!J debts ..-,d ~ p<xma.so t>alan= 11 "" order /Nt "":t were posled Io)<'<r 6X>>..r.!.1her> tne f'1fW1OO Chatpe a~ /rom It>e """ 0( tile earo and It>e eard a=t. Fe< 10 =ren; cash e<M."Ol ~. era 1hen to o.:",ont p<'IfChaSO balat>:es. ~, )<XI are respocosiblo i:< d'la='mao. by)<><lf'SOl:.)'OUl' ~ ..-,d mi'>or 7. AIiANCE CHARGES -y"" Ooln 1M<! F.w>oe 0wl10 on ~ bypaylog childrerl. You "'" a.bo~. b: d\arges mad< by""l""" elS<! Iov.oom)'OU llle.M amo<s1l o/!he Newllalarco 01 purct.ases oaell monll1 ~25clzrs O()<>OC p;..... lh<l cal1:!, and Hs respooslb11ly continues ""til tI;e card Is re<:overod. Yoo ""'emenl dosing date. .one""""" Ihe New BaJanco 01 p~ and Il'e ca:>oO( d<<l<!'m respon.lb<11ly by ~ us. W .... ..,11 dose ..... e<XOCTlt i:< new S<Jbso<juent p<.m:t\a$eS from the dale tt>oy ara posted 10 )'OUr aooount, wlII be subjea: ~ ~)'O<l so ~ and ra'""" all cartls. Yoorotl'\:<IUon 10 pay 1110 a=.:nt to F""""", Charpe. Cash a~ are a~ S<lbject 10 F.-.ance OIarpe from Il'e ~ (;Ol"tti.nue.s ...-en tt'lough an agre.emefTl, crlWt't:W3 decfe.a Qr other court date they .ere posted to )'OUr account. . Ju6;moent to Mlk:h we are (')Ot a patty may direct ~u or ()('I4 o( the other persc~ Purch.as..ec: We ~te )'OUr rlt\ance char;e by multiplying the average ad"JUSted rosponslblo 10 P"Y'he oo::o<.rnL de;:y baJaroce (see "",,_lion below). Indud'ong new purchases, for Ihe b<'W~ C)<:l<> 2. LOST CARD NOTIFICATION ':"''')00 beneva !he card has _n lost or .,0100. by lI>o tno<'ItNy p<<iod'>c purd\as< ",Ie as CIsdo<od on It-.. addeodl.m. )'OUwflnrrvn..d'",lalyca1ltheCre<f"U<'iona:(71n~0((800)237.ma.A.~ar Cash Aclvanou: Via eak:WI. )'OUr r""""", charpe "" cash adwnoos t:y-. hours call (600) S50-S078. . multlpl0t1g Ihe ""''''110 adjusted Gaily balaro:o (see explanalJon telow).i:< casl, . 3. UABILITY FOR UliAlITIlOR!Zf:D USE - y"" understand ll\al )<>Or.lotal adyancos dur'.og Ih< bilr"'ll C)<le by ..... rn<X1lho/ parlod'", advance rato. ~ 10 Ih<l Crod'" U<'ion sl1aJI nOt ~ ;SO i:< any eard lransadions resutt!rlg BoJ-nee Compulatlcn Method . /rom tho loss. tho~ 0< """\IltlOrlzodlJSO oIllle card lhat 0taJrs pOor 10 tI;e time l"'( ...verage Dal1j ~ f:x f'utt:Ilasos _ The AwraOO 00lI't Salance b' fun:tIaso pM> (lC>t)ce to Ih<l Cred1l Unlo<\. Sudllabillty'does I'oOt fllply ..non ..... card Is used Trinsactlons Is n.... <,t"" by ~dding ..... Oaay Batar.:as (I'\in:na.s<l Transao:tronl for . to m.aJ<a eloc:tronlcl\mdlril'lSfe~-n>o ~ Union ........MuraI~, wNcltby ..<11 d:en d'Mcsog~!he runboro(~nIN~': arti1\daIlnte~ caT1 ~e and 0)611 us \0 polanllal lraudulenl transadlcr\s. C)ode. To calaJale Ihe 0a.Iy IlaIar.io i:< pUrcIlases each clay. ... _.... ~ These &Jorts may geoe"''' hqWles it!lo<it)'OUl' lJSO 01..... cut! and we apolo,;lz.e stop;.W. talo'a tho ~ baIaro1 (d &mOu:1ts)'OUowo) olIN sIar1o(INclay. for an; . """ .--.oe Hs fl'I\tII causa. . The<i, n !he ~ n ..rIc!l amounts .... posted 10 l"'X ..,.,.,..,., ... add .... ~ Cfl.EDfl' U!'lE -.~ .... a;>p<wo )<lU' appI'>Ca!Son. .... y,il _ a seII- amo<..T1ts 0( all c:Ie/:Its ard _ t>e amo<..I'IIS 01 d ~ or p.ym..nt...!*" post roplon<s/W1g !.he 0( ~ for )<XI and I'lC>Cfy )<XI 0( b lllnC<.n! ..non .... Issue tI;e 10 l"'X IlCCOU"It 1Nt Uj. Mer app/)olng ~ and cre6ts, ,... o<imc:t tho c:ar<!'\W ag-oe no! 10 Ie('" ~ ~ 0XCH:>.r1l ... ........ )<XX Cre<it u,. by tho am:><.r.l 0( Ihe a:nount 0( IIrf Cash NMrc. hnsactlons I\at posted., )<J<X acoou"ll en hi rSqor ~ o.t.IcI1l< apPlod 10 I'!' p<h::%>eL'lOO rMt I'9qUOSt all h:roAse n)<J<X ~ ., any ~ d:rj n'" blIrt'g C)Qe. ThIs """" Us lI>o Oaay 6alance i:<~ !.he W, br.m.:..n ~lo us, -.tich rrus: be ~byC<.Xcro<St ~- ......",ge Daly Ba!u>C>O b'Cash ~ -Cash ~ Tnu>sactiOnS "'*" ara 0< Ioar1 ot&::er. By QM>g )OJ _n notioo ... may i'eduoe )QX Cre<it Lhe from time posto<f 10 l"','I' 1lCCOU"It.... r>::( h:ludod n tI;e A'M"''''' Daly Ba!ance calc1''- b' 10 15rno. 0< "^<h flOOd causo. ~ )<J<X c:a:':! and 1em'O-.... tis ~ Goo:! r<Jrcnasos. ai'ld .... ~ no( S<.tject ., tho mo":fI1/'l porIod'''' rate b' pu<e:f'.ases. =b:lvdes)<'<rlaiu"etoCC>n'\O/y_tis~.O(any<'l>era~_ The A'o'EI<a11O [)e.ly 6ala.-.co Is <:al:1Jlatod ~aly i:< Cash ~ and I< .... or o<x adwrso ~ 0Il"'X ~ .lo>$. )\;ou may also \errrJnoIo ~ CUO/od 10 IN Cash NMrc. M<rltIy F'er\::6: Ra:o. The A...."''''' 0a!Iy 6aJan<;ol b' ~ at any 15rno, b..t ~ by _ 0( us doos no( a."..a)<J<X ~1cn Cash T",,>saClionS .. eak:Wled by ad6ro;i lI'oe ~ Balat'oo>s (Cash TrinsadSon) i:< " P"Y!he a=x.r.l balance. The cart!s ren-.an oor P'OPOrly ard )'OU ~ I'OCQo1!<' ard oa<t1 d:e bo1ronc ~.Io us a.l canls Lp>'l "'-< request L'ld <.pon lerml,...lcn 01 t"ls ~. C)ode. To c:aJo.kto lfe o..'Jy IlaIarco i:< cash each r!.ay. WI) talo'a Ihe ioIlowlng <tOPS: ;. CREDIT INFORMATION -~)\;ou auIhortze us 10 ~Ie p.:i crOO< ....,.ong Wa W:e ..... "'~ /;<!ance (all L'nO<.-)'OU owe) at ..... otart 0( Ihe ~ .t>erl opor,ing. ~ 0( ~ p.:i a<o:<.Trt. ..-,d)'OU .~ us 10 d'oSdoso ., !he oo<;oe= 11 ,.tJcl1..'nC<rts .... postO<l to y""< acox.nt. we add It>I r ~ ~ )"OUr f<XOI.X'd: to c:reo-: P..'1'ut..'S L'1d ether c:t"e'C?ors 'I'rf..o h:;,1.3.-e 0( arr d.etv'.s and C;l..t;f.raCt ~ am:w..'l'ltS of a.' O"'&C'"cts 0( p.aymcnts whk::h ~ *=' :::n .{ "" aboo-1 )"'-" c:reGil ~. oc=.m L'>al r:..y. Mer ~ pe)TnOnts ard ereCts. .... ....tltract ..... ~ of . MO/'ITHLY PAYJ..(E11r - We wiJll'I"I3i! )'OU . r..atarr.em r:-~ry rr..:::<:1tl $.~"-"; s-'l'f u('.p.akl' Fi"'.ar.<::e o..:~ c<u:e Chaft"eS. Then we also wt;tra~:; OC' k1 any ?Uf Pre.icv:s B-a.1a.nces ci ~rc:ha.se:s and cas'; 8c.Va.nce.s. rt\.e o.:rrem trar.sactior.s eny ,Purc:r-..as.! Tra.rt$<l.~ tt'.a:t ~~ 10 )'Ol..'r ao:;qt..'fI't 011 1ha. CASh ~ n )'CUI' ao::xx..m. t"'.e rema.r~~ CfeC~ 4".-a.la..!:ie ~( y~'" ~'t tJr'.e, t"'".e Ne-.... p<e.....col.;S Cay i1 tt'..e t-1lino; ~. Th~ "rv$.$ cs tt'..e DaItoj Ba!ar'O'3 fo( c:ha~..nd .a!.a...-..:::e.s or pl.Jn::n.a..s.es A/'IC' c:a..s.h a~. tt'04 TClI.a! New ~. tt..e ~ Tra.":Saruor..s. Hot.e: Ct$<'1 A~ U'o ./'wr.fl ,ubfect 10 tfn.anOl' l".a.ve due to data,.and Inf oe.ar bi:ed~. e.rd!t'.e Mi/"~ Pa-p.e<::f r~..:f(eC.. from ~ C-<<y t;.ey .':0 po:c-'~ to PJr aeoourr'.... t ~ rnc<':ct1 )'O<.l rnu::st ~I a: ~ t'"'oe J.(;('knr..'!"':'l Pa-;rnem "'~ 2.5 Ca:fS cf y;o..:r Pa-J'!1i"3r.ts a.'1l ~ ~ t'>e ~~ rr.a.'1nElr: tim to pre-Aous lats ~. :;:~ ~C~dc:s!r.cCale.By~...aIEl.7~ty-.........rr"';ya!"'~.c..-r.:.a17tc~t:-~ p<e-~ cas.'i <&d'ra..~ f.r..af'C:e d-~, ~..en 1.0 pr~'S ~ ~10 ~ p.a-~ 8U't0l":'\a:);ail"1 k1 yo.."'~~e Of d'~ 8CCl:(.'I"':t ....-r..."1 us.Yoo rr.;rf. d'.a.~s. t'1.en to OJrr~ 1319~. t1leo to pre"...-ioIJs c:s-s-' a~ b.a~ tt'oc!<\ COI..:rs.e, p:J:( more fre-::;oer::-/. p.;rj more ~.an t"'.e )).j('.un...:m Pcr,-::-.e('~ Of r-:rj t:>o3 pte-.'ico\.:S pun::ha.s-t.l ~ i1 ~ Ol""'A( t"'.a.t rt'..:rj ~e po:sted 10 ~ ~ Q"e&t5 ;y,l N-9-w 8.a1a.~ i1 fv!l, a.....c yxt ~1 reOx::e the f..-..a.-oe ch.a~ t:y c..:.<o; ~, kl OJrre;.t c:a..sh acva:'a ba1.ar.::e:s,"'"'<1 t:;e-o Ie ~ ~ ~ and Et;el1 ... ~ p:rpnen< wil 00. (a) :2"4 01 )<lU'Tc<3I New 6aIaro:o. (Cu'_ "I' "'.,;. .... a,.~..c fim 10..... ~<a:l)?o 01 de!:< y<!;':h Is be<og~Md.k ant. "" 0Y0r\ doLu. c< (lJ) $::20.00. ...t~ Is~. ., 00;-;"'" a: ~"t ~ }'OU" Tot.,J 10 "'" be~ 01 y;<.< oc=.m . . .t(':L![Ll<. - ~b-o:!uot.;..~'~~~~;;;m-;.;;,~~.';; ;"'~~~~"'i<i~~~~ >bOlt)' '" rep..y us Os "",'etlaJly reduood by a ch4t1Qo 1n)'>Ul' ~ on more"""'$.SOand"""rr.060Itom......"moctI-.ar.t~~.--I~~1~ COst nc:r...,...l1)'O<l"~bonknJp\cyIX~~~)<lU. .-' "'--- '^' """' _ 0< )<>ill' /alIu'o 10 &J>;d4 by It'<s ~ 0< r Iho val.... 01 ou: oocutty. oI)'O<Jl' homo. Ny o<t>o<~... )<Xl rrust '""*'" c:Srodly _Iho plan mIos ,_ mate<'.oJlydedlnos. W. ~ tile r'Q1l to <lemard ~l. ~ oI)'O<Jl' 13. SECURITY MEREST - To ..."... )'O<K ~ )<lU P'Wlt... ~ <A ~ balar>oo r)<><J delaull. $l.object to = ~ )<lU atTt nollco ~ by rrx:oey -I HO<'O$I .....w Iho Urilot1n ~ Code In · ~ _. To 11;0 ext.,.. l"'rmItted by law. )<lU v.fl1 als<l be I'OGtJIred 10 pay O<.T o:>IlecS:<l p.Tt:ha.$e ttvough ...... ao:o<rt. H )<lU d<lla,^ ... ~ NYe Iho right lo~ )<oJ ~. 1nd.'<f"'S/ CO<Jrt costs .nd reasonable .tamey fe.es. lheso po<><:!s ..nlch .... hIr.<l not be<ln pald lor ~ O<ll' -1'P'b15on '&rrj 01 I. USlNO THE CARO _ To rnal<8 . p.:tthasa 0< cash .~, Ihor'e "'" two pa)'OO<'lS i1 ...... maMOr Oosat>od 1n......1.loolhi't f'aymeot _ W'1lh 01 )<Xl' ~ p<oeedo.-es 10 be blowed. One Is lor )<Xl 10 presenl ...... <:aJ<f 10. t".is .<XOCtlt o<lIy. .... >JI not ....rt ant <WJlory r\;tll ... may '- r ~ 10 ~ VISA plan merchanl, 10 us '" ancthe< f<wdal ~. ..-.d $lgl1he delau!l l<? p<lM><lt ~r-.I 01 )<XJr ~ oW'< loT'Io<1 ~ ~ In ales Of cash advance C<a~ wf1lch 'toil be \'r;J<Wed _ jQ<.T card. The c<tior Is to below !he ~ balanCe o()'O<Jl' a=t. Howwe<. ~)<Jg )<Xir Po"".....l ldontifcatlon N_ (?IN) n <yedfic pledge 01 )<Xlr ae&t ur.Ioo shares (Oep<>slts) by ~ the %. ~ Ml111;o card In on htlomated T.ne, Ma.cNne or '*'<Ir lj-pO o( ~ Shares 0< o<heNrtse, or ant o':her secorii)' Interests 'lor.~ )<XJr debts, )'O<Jl' ~ "",...aJ t'lal p<'O'oideos e=>.ss to lh6 VISA ~m. 'l\:u....... INI)<Xi wW not....)<>.ir ...:U be """,red by)<XJr ~ chares (Doposlts) and by Iho P<"P<rty ~ k, _ .,.. atl'i Il'ar.Sadlon !l\al Is CIegaIlXlOer ~ federal, .....te. 0< Iocallov<. The It>os<l other ~riI)' .~. ex<epl lor y>..T_ ~ Slal""""," wlIlOOntity the rne<'Char.t. ~ 1'''Tl......1 0< ManclaI ~ H.. EFFECT OF AGRESlerr - Th!s ~ Is II>l conlrad v.llI:11 "!'PlIes 10 : _ ~ ""'" made. but We. cash.dvanco. c>>t 0< o1Iler sr.ps c;amoI. o.l ~ C<1 )<XJr 0C0J<r;t ....." ~ ...... cales, ca.sl1 ~ ~ , nrtume<l ~ 11;0 _ 'l\:u ~ raw' I CX>f1'i0l cu:h srpo hJmls.....d at 1tolllme <<he, cIlj:>s )<Xi ~ 0< '""'*"" may o::otaJn 6tleronl 10""" W. may ~ 0< 'IN ~ In oro.'lo....rlfy ltwl roodNy statement. Tho CroG1t Unloo may rnel<o ~ < from Ume \0 !!me by ..n6ng)<Xl 11>0 aM.'lOO _ nc6;.o reqWed ~ ~ ~ br~ oI$lips)<J<l may~ law."""..... 01 the carO~rMII r6:ata)'O<Jl'.~'_IoIho~ ,. RETURNS mo ADJUSTlo(ENTS _ ~torcnants and oit>ers .mo honor t:>e ca:d To one ex!OOlthe law po"""", and.... r.&caw 11 C<Jr rotlce, ~ \Y':I awl q "'" cred1t br mums and .d'~ and they >oil do co by ooo&ng us . \0 )'O<Jl' ~ e.::o:><.ti balaool as WOll as \0 1<._ traftsacdoos. ~ sl'op ...Nd1 ..... ,..;~ post to your 8OCO<Jf1t. n)'O<.T c>>t Olld payme<1Is e=>ed 15. LATE PAYlolEN!' CHARGE - n)Wf M'clmum I'lr)TnenlIs not pald Mthi., 15 "'" you owe us. ..... writ t>old Olld opply INs cnxf< ba!aroe acaJr\Sl Mvre p....rduses Cays alter .... Pa',mont ().Je Dals. )<>.i """ be sU:jEd 10 . slngle c:hatpe 0( 51. c; the ..a cash .<Naro:es. IX r k Is ".,. dollar or more. re(<.r<! h on)<>.i''''''''''' '-' 0< mlt'.l",,:rn - ~ ~ aM< slx months. 16. COPy R?CElYEll- "1W odro~ roOOpl 01. CX>f1'i 01 ll'Is ~ :t.:f If';{' It'/{ f/;t I il'/'}.. 'i' f ;':' <,(..i;t:l;,l' I~ ~ r II: r tj;~!; :MI:t.',,,: II'!' l;/:f <11/': ~'{,].' ~;;J,j/ ,/I-i 1/ {,]..i' J ;/=- ~NEY ACCESS CARD CAROHOLDER AGREEMENT - The Undersl;ned (you 6rectlo<\s to . h<,rnan \ole<. You also L<lderstard lha.t, Merchant v.llI:11 a<:oejlts )'O'J"l. ., ~ratXorroI THE PENNSYlVANIA STATE EMPLO'l'EES CREOIT the MONEY NXESS CAAD lor. ~ b'at=ctioO may NYe an eledrork lION (..... our.nd ....) I:=Ing to )<><J . MONEY ACCESS CARD,~.go-ee lermlnal (Merdlarrt ~ed 0<' Se~-se"""") l'olli:!1 J'OGIi'" the <:so (1)'0<1( PIN "., \e9OllY bo<:nd by !he i:oIloowir.g terms .nd CXIOd'rtions. You 19<...lNI .... ..... or and y.ioen )'>Ul' PIN Is used .t . M.rdlai1r's torrr.lnal. I ....11 .Ulhenllcale and 'J( MAC card(s} coostitvt&s ao::eptance or 1t'J.e terms and c:ood"ttions of this va(l'd.ale th6 directions ~}.:st as )'OCr adlJal slCMhJre 'Hilt alJtt1.entJcate and ~nl You understafld that MAC'-is a aed"ct-telated sel'Yice and )'Ou avthCnze ~te ~r dire-ct1O(':S g~n to lJ:S. You ad:1low{~ that )'OUr PIN Is an ECU SO obtain a Ct'e<fL't report 0<\ any user$ of this acccunl iOentHka600 c::oda U'\a11:s ~ a.'1d 0XIM-ent:.a1 and It'.at &he use d the PIN A""""nts and Us.a.s of MONEY ACCEsS CARO Ml1 the MONEY ACCCSS CARD Is . <aaJrTtl - br )<XJr account(s).' 'You ~ Itle .=><:r1~s) ~rdU<fong Ct>e<k1~ ard Regufat $Mres). v.fo.ictl.... .., ., Therero,e. YOU AGREE TO TAKE All REASONABLE PRECAl.IT1ONS nv;r brlh O<l )<><J' ~=tlon I,urn v.lth 1tUs AQrHrl1<Ol You hereby requesllhal "'. N<? ONE ELSE LEAP.NS WUF! PIN. . issue 10 )<><J one Of more MONEiY ACCESS CARO(s) to be ~ In comec<ion 3. UablUIY fer Unaulhorlzod r"nuctlO(l$ . , ..Tlt1 ~ .r:covnlS as ~ l1lt1ls AQr~. : Y~ .groe 10 contact '" at """" N )<Xl bellow''''' MONEY "fX'CSS CAAO(s' "'" r..ndersW'ld you may.usa Il>e MONEY ACC€SS CARD al . MONEY I6JedIO )W or PIN lias l>een Iosl<< otolen 0<' money Is --.g from)<>.i' #::CESS CENTER- 10 (I) Yoithdraw cash from, (2) malo! 0<'.rrat'90 lor deP>Shsao:x><:nt(s). 'You ,also .grae !hat r )<Xl' mor:lhIy .....lemer;! chows ~... u<"oo'\S In. (31enecl_'" 10 O<'.from )'>Ul".<XO<Jr\~ (<) '''''''Ml InIormatlon ~ong ..tlI<!l )<Xi <1'od ria( rnel<o. and)<lU do not ex>nlad lIS _ to days _ the It>e balance 11 )'OOl' a<xxx:nl(s)' or (5) n;.al:e cash .dvanoes from )QUI' oW'< statame.nt -.s ma.5ed 10 )<lU. )<>.i may not got ant money lost aItat!hat Ilme. ~.) tithe atTlO<XIts)<Xi request. 'You may &!so.,.. automated Ieller YOU AGREE n<<rIF)oo GrvE'l'OOR MONEY ACCESS CARO(s)ardPlIITO rnad'.lnes ~ the lJr1Iled Stales Olld n 00<ta1n.1or11gn CO<Il"Itrie< v.t.ld1 'SOMEONE ELSE TO llSE 'ItlU ARE JIJTHOfUZlNG THEM TO JCr ON'l'OOR t>ear1l>e PLUS SYSTEM' """,,.and \o;'J (1) 10 rnel<o wlthdnowals from, (2) eHod BEl-W..F AHO WUWllL BE RESPONSIBLE FOIl N{'( USE Of THE CAAO(s) ~ '" or from, (:3) rooaMo Wormatlorl ~ the toa!aIloas In )'0<.< BY n!EM. Yoo =M .:....1 )'O<Jl' mot'>O'f In "" acoo<.rt(.) I rou _ no pclSon Ct>eddr>g 0<' fleg<.W' _ n l?" NYe . PersoOrla! SeM:>e. L.o>an ~ and 10 no<lfy PSECU 01 Iho ..,.. 01 l"<" MONEY JlX;JCSS CARD or PlH. SafOguard In p<aoa. )<:XI may also malo> a c:a.sl1 ~ from)<lU' PSL'l\:u 1urther )<J'Jl'~Identffi<:a!knNunbaI(PlN).Oonot\o(O<-'l"<"PlNIoat1)' ~)<lU may.... L'le IolONEY J.fXESS CAF\O lo'purd\asa !;'>OC!s and clho< pe<>on. 00 net wrl<')<'<T PIN en y>..T,IolONEY NX<!13S CARD. 00 not ~ ("f'vrd'.a.$e1 .1 any retalI ~ ('Mercl\an() wl>>ra MONEY l<aa!> . wrft:e<1 ~ 01 l"<" PIN nw )'JO' ~ NX<!13S CAF\O. 00 not .access CAFlOs .... oo:oopted t>y sv::l1 MerdlarJ.. r )'Xl ..... .... MONEY choos<l . PIN ~ Is easIy ~. / 1-IX:;€SS CAflO 10 m6lo! A f'ur1:ha.se 10 obta%1 cash, ~ pemittsd by, the A new <:aJ<f may be 0<1!e0>d lor )<lU c IN: !!me L-.d . 'hokr' will be placed en ~ )<Xi cha:I be requesting ... \0 ~ fu1ds n .... llmO<.r.t 01 &ud1 )<J'Jl' old card.. A.~ef....:l1 time. ~ )<Xl fr>d y;x;r c;o card.. destr<>t 1tol c;o...-,l by F'uo'd-..... r~ ant cash receM>d from !he Merd\enl) from )<lUr c:t>e<:Idr.g OoJI'Jr.g ft n half. H )?J r.t~t 10 usa )'O<JI' c;o card.. . will be captured and Shares and 6n>ding 0< omemg '" 10 ~I sv::l11>.nCs to .... Mer;:/'.ar.l retained by lh6 MONEY ACCESS CENTER, PlUS SYSTEM. 0<' HONOR,o;rM. I'ou roq<.'e5Ilhat ,.,." ~ p<'O"ide.Io)'OO.....:I1 other........". or acooss to c<he<' IJ'l,I . Chars. ' ~ or r>ot...::<1<:s "*'I11ho MONEY ACCESS CAF\O v.llI:11..... may ""'" rnel<o' eo . . IS r.alal:<o and...Nctl ..... .dvIse )<oJ are ci'..red i1 ~ l'<itt1 y.:a aa:>:<r.l(s) Yoo .~"'" to P"'/. SiJ cer:l d''''11'lIx..<:I1 ~ 0< wfttoGrawaI ~ nl "" k:<V1 on )<XJr awG;a:lon I;om. 'Ibu also l.'O'>Oe=-.d INl from time \0 lime y>J a tnC<1<'\. Yoo .g....1O ~/1I>l SiJ c'"'' pec.a!ly <1'...... on ant cash distX.......... =1 reqvest 11 ~ t\at .... P">"da -= 10 adCiConal .""",<lIs rJ jQ<.TS t'a.=dlon (100M ...IYa."", 0< ohara ~<::~ !hat Is less 1han $20. yo<t...... ~ Iha MONEY ACCESS CAflD .... ~:s-... lss.>ed \0 )<>.i. yO<.! ...... INl ..... 10 ~/. 2S oe<:: d'.ar.....en ..<:11 ~ "".toy. 'lOO ....... to pay.lhe ~ """" ollha MONEY ...xESS CARD desa'bo<:lln ..... A.."".,"""" o"'all be S<.ti<d 0<' trar=cOO1le.os >o!'.I:h .:. ~ by '" lor Ii>ese ..M:eo << I:.r" r>;ed . .0 tt-.e ~ and f"'&;}t.{a~ of e..ad1 ao:o...:n~;c, k; eo::e:;.s.a.d ty s..d'1 Ca..,;. ~k:hrr.aylatert-9 cHa~ e.s $l...'oC:hj,;.+>-sO(cr.a.~esrr.zjt-a~Of~ - )... 01 ~I ~_0<1 Numb<r ,PIU") wft:1 MONEY ACCESS CARO from Ume to lime. 'ou <.nde~ th.a( a MONEY ACCESS CENTER", a PLUS SYSTEM ATM is S. [)oepooolu ...'" 1.{1 aU'lOlT'.a.!ed t$rloer, tt catI and wilT perlc<m rr.any cf tie Gama tasks a.s a tx,.'I'T'.a." yO!.: acr&'3 ~ ....~..e<1 )":'U rr..a.k.! a ~p::::s.~ at a MONEY .-ccess CENTER : e.::.er."f"'....u a~~ t"'.at t"J.6 Pe~ \Cerrt.1iC1!:Jo1 N~rcrPIN ...-t'.i:::hY-..-J ~ h<r0"9 C"",.J t1o;ht 1o\"'3f.t/~ ~;x::s..':c.e\o(e -,....g rr..a}.e the trfCr("It6'j~~~ .::s..e ~ :oa J..-IONE'( ~~SS CAPoO k; y:;>vf sj.;r.a:J.:re. klef1t.1Kl:S t'"..e beater of If y.....u ~..-er ce.s.,\ ~ 0( oC;,er ~ to. J..lO'iEY)..X:ESS CfEN rd. ~ "" C&.^d 10 .... MONEY ACCeSS C€~TER. PLUS SYSTEM ATM. << <*0<( .......ce",",-.c ..-.:! ~ ".al ...~ fu-.;s ""'" jQ<.< depos!: ~ ~ ~ A1'lJ arC a~'" L..c va:lCa'"" ... ""~ ~"""';.s as)'O<.< ..~ br ~~ ~ L-.J N1...... ~"I o()'O<I( ~"'" >:n;a! ......."'... ir.d one< p<o<'I~/)""""-.J ,,-~,...-.c ~le'jQ<.T depeoj O<1<>.<r\ks ..-.Jrao;>..la'"""", ~..... pe.~ot:=fll1....~.,..- . . ,.~~(~~ -- .. ... .........."'1.:: I ,..,.,.....,.c~ ........-.nIJ ts 1$:$.U<<11o(.}oir.I: ao::cu-:t. )'OlJ a",," kl be I. ~ and..-ally lat<e lTde<lhe """" oIlhls ~ and lho ag~ b' suc.~ ~ You agro.o hI f )<><Ir ao::ount(.) wl<I1ltems - "'"" casI1 (ct>o<::ks. d...", or o<her ....,.,) and .... maJ<s fu:'rJs avaJIabIe to )<>pos1ti prlcl '" 1IlOlr ~. )<><I aQr'H lh<t!.... r=t dodo..d lhe &<OO<Jr.tS 01 ouch "-"Cs fn:<n \'<".;/' aox<JnI(s)..nlcI1 &.."'8 ooC ~.ed 0(, It' t1;e tunes h ~r ao:ou-:t{s} are hs.t.1'l"'de<rt at $I..ICh ~~, )'OU wilt prompt:/ p.:rf to us atrt A/TJO(.:(lt cf s..uctI f\.'TiCs wtUd1 are 001 c;ol'SoeCtea. 7. Amo~~tO(thJ.Agr~t YO<.1 .g..... !hat from time to fme .... =t ~ '" c:/lange It>e Iorms oI.tto.ls .~ h:ludlng ~ or~ 10 add f1.<1her MONEY ACCESS CAflO ~ or '" L-neOO or ~ the ~ lor the.. s.e"""". We may do so by no<ifylng )<>nts or <:har.Qes and )<><Ir "':8 of ttle MONEY ACCESS CARD after h ef~ date of any S/.Jd1 amendment 0( change shall o:;ons:-JttJte y...ul' accepta.nce or and aQ1'Hmenl 10 such ameodmoot or <:har.Qe. . a. Owt>er<hlp . "rbu a~ !hat lhe MONEY ACCESS CARD Is ou' property and )<><lll ~r . 10 US upon 0<J1' re<;vest You a.,... lhalthe MONEY JoCCESS CARD Is no<>-!rans'..rrat>a. Q.. Dlse{ocuru "rbu M<eby ~ ..,o,ipt 01 tto.. -.".. ".ot"""nt Inl<::>rn>ng )<><l toer...... )<><Ir card N.s been Io$t Co<' stolen. Telep!loNng Is lhe best ~ '" I:e<lp)<J<Jf po$So'tl.> losses down.Yoo CXl<Jld . Ios<l all the """'"Y In)<><lr a=<.r.l plus )<><I' ~ o-;erdrah IlM 0/ aod'lt. ff )'00 toer......)QUI card tlas ~ Jcrt Co<' <tolen, and)<><l lea us w!tt1ln M bcslness days a~er )<><I can loss no mo<'O t'.an $SO f comeo<'oO used )'0<0< card wiltlo<Jt )WI' p<lmoJ$$lon. tt )'OCJ do not telt us .....ratit1 tw'O bc:sine-s.s days after)'Ou leam ct the 10$.$ or t~tt of )'OUt' caro. and W9 can p/'V'r"! we c:ock! haYe stopped ~o from l,.;$ing )'OUr card ~ )'OUr permIs.s!oo It rou had' told LZ. you coyrd lose as much as $.SOO. }Jso. It )'OUr statement shaws tr2r'.:S'~rs tn.a.t )'O<J d'1d not make, 1el!. us at 0liCe. tt )'OU do not te3 lJ:S wtthin ISO UfS afte< t-.e statement \"I"aS m.a.ited to ~tJ, )":XI rr\a:'j no! pel bad< any mo<>ey)<><l !os: .~er Ihe SO clays r.... can P<""" that we co<JJ<j I1aYe stopped oomoor.e from laJao.g the """'"Y f)<><l /lad lold US In ti<M. : II a pood raa,son sucI1 u. a Io<>g bip Co<' a hospi(aI suy kept )<><I /rom Iolliog os', .... MIl ~ the !!me periods. _. . 2.. T.~phooe Numb<< a.nd Addre"U 10 Nottty of Un.alft.h.ortudTran.a(era IolAC. Cootact PSECU at (800) 237.7328 or Money keess SeM::o (MAC) at (000) 5Z-417S clumg PSECU ~ """,,,,lhen lJllow lJl' byc:or'lt.a<'ing PSEOJ at (000) ::J7.7328 the r>exl t>us!ness dzt. . "ell Ilnd SST - Corllact PSECU' at (800) 2:37.732a (na~) or '(717)2:31 aliI ~ Hemsl),'1l): el( wrt..e to V:I at: Po<l~!.t SIr.. EmplcyHa Cnd~ Unlon P.O.6co: 67013 tla1rlsO<Jrg. "^ 1710&-7013 PSECU S",I__ Ho<s... 7:00 ~ - S:OO p.m.1.l - F e:oo a.m.. No<o Sa:Crca'f TOO.(eoo) 41'2.1....., Ha<lo<1WGa (717) Tl7.21 00 i1~" ~. F1fl.4ndallnst'tutfon', B\J'SIn-eu Or,.. #.lAC, ACH .00 SST. PSECt1"" &:sJnes:s OzolS .....e Mor.day t'".rouo;h Fr'.c.ay, HoI.,..fS not k'd<.>deC. .c. Type.a o( EJ~k: Trafl.nera: I Co<1SI,:rt')e( ~.r, ~aj(a IJ.AC - E.a.!:a.tlce O,;,lJir'.e:s Cc1 ct'.eddr.-;;, c:3".-!f':>C'S a.....c PSL: ...r.::-.cra.....-a.!s (~ ~say{r-'C"S; cas., ad'..-a~ . frOm P'SL; G-epo-s.....s to c-.ocY'-"'..;!s.a'';'''~: ptJrd\a..s.a QOOCs L"\C s.e~ .: at':I!.~ re~ es-.ati:.s.....r.-,er;L .. ACH . Pre.aut"'oC<'.ze.e dodt./".s ar.d cre-:"i.s to d-~r,.; a."": U'rrys, SST. 6a!a."'ce ~~ L...c tra.~ hG:0f'.es on L1 So"oe, Ctlr..T.ca:e a:"Id k:,&., ~ t:-a..~rs trx:1 a.~ s.".a."'J 10 L'"'lCCier "'..L"'J Q( ,lea.., ~ frc:r.t :)":lO" PSt k2 a.~..~ or Jc.e..'1 tIo:l:>>..r':t; ~rawa.:s frtr.I L~ ,,",a.--e ~ 'PoA ~Qf~e:s. ' _~l!(~ --"-'-1'" --.....-. f1oIg~1Q ~ ~Of &lAC - "'" aio _ 10 reo::ooMl . ~ recoolp< ., "'" EFr. ~ ~ "'" receM a m<x'lfhIy _ cfooMog "'" lIme<<__ e<oJU'1t.""I_....O' ~ Il>e """"'" Ind""l ~ << )'o<K PSECU=tIn'l'OSedur'-.glherro:<Ut\. Of~ . ACH.nd ssr - YO<J ><'lI rooo/ve . ~ cta!.omor't ~ "'" ao:oovnt. ""i""""~ maoe dcrng "'" """"'" Ind L'l'J P&<\a~ oI)'o<K PSECU rNrf ~pos< cl<J~ lhe rnoottt. Of <hoIpOs . ff)<><lh.a-"'~lohMa6r""~rnodo"')Wr~ _ryEO ~ fn:<n ll1e oamo p<l"""'O<CO<T'~.)<>e<l'.eror rot the d<;posl /\as boon ~o.. '" at (800)2:37- 7. Stop I'oyme<1t Rights - P~uthcr\zc<l tnlnsho... MAC and SST. NCI appIlcollIe. AeII. RlghllC Stop ITfTMnt and Procodu.... "" dolng ao ff "" i1 advance '" make ~r payments cot oIj<u' ~ . >'Ov he.,." loI:l o( these pa)mOnls. Hero'. how: Call '" at (e(lJ) Z37-'1328~~~ any (717) ~~) O<..r.te us ot:Pe~Slale ~.....) 0<' Union, P.O. So:< 67013. Harrlstou". PA 1710&-7013, klllme 10<... '" """"'" ~ ~ 1t't'&e I;ousIoe$$ dayS or monl toelxo !he P"'J'l'.ent Is ~ l"<lt' rr.ode. ff)<><l ca.'!, .... rNrf alsc reqlllre)<><l '" p<Jt j<u' teqOest kl '<o11llng ~ be ."us~14c!aysaller)<><l= . pet IIct!c. cfVat)ing ~ ~!hose,..wr ~ rNrf vary., . pers<:<1)<><1 &tll g<lng 10 pay ><'lItel )'OU. '0 ~ belxo ...ch P'l)ment. ~ ~ ..;II toe made end hew ""'" . "'-'I toe. y", may c:r.:x..e nstead 10 pet.... t'dioeo orJy \'ot.en the p<ymel" """-'d diIle< by ....,... lhan a oortaln 8mO<r:t Iro<n ll1e ~ poyrr.e;;t. or.men ll1e amo<.r.t l'owId laI oolslde oortaln LMs Ihat)'W ..l' LIabIlity {o:x Failure Ie Slop Pa~t of P_IJth<xtudTl'1lrJ,~ea. ~)'Oeduled, ard we de r>Ol de so, ..... WlI toe bble "")Wr Iossos IX' damA~ <nless ,.... _ and de not rooeMt v.Tftlen c:ontirma!lo<l 0( an ~ stop P")ment >oi<Nn 14 dayS and the Inr<sfer taJcas placa alter 1.~ clays, or)'W tail to ,~ us proper In.strvctrons tn.a.t 'tw'04'kf enabl't us to pace the S't09 00. the ~~~ . . e. Summary of ttle Ananc::Le:r-ln$Utt.rtfon', Flillu", 10. Make 0( Stop CeCt.srn iran.sfers . MAC-tf PSECU &oils 10 complete a It2rtsadion on time orin the o:)fTltCtarnoc.zn'- Mletf properly ....."""c<l by)'O<J. PSECU ..ru toe IabIe lor damA~ ...- by' O<II'laIure trless: (1) Itlere ar, hstJIfdenl flJro.d$ i1)O<Jl'&coO<InI'" ~Ie It><> . transfer, ")Ihe fvnds i1)OJr.CCO<.<ll are llnOOlk>ded; (3) 1t>e funds are ~ . to Jevalprooess; (~) ll1e lransadlo<'l)<><l re<;<.-t -.cd _1t>e funcls.,)O<Jt" . ao:o<JnI plus &rrf aw4bIe o-;erdralt /l<'Ctec6>n; (5) 1t>e Money _ Cencor. PLUS cys:om 0( HOIIOR 1J'M has i1<<ttIlclont cash lo ,,,,,,,,,1e101t>e nnsacllon: (6) )'O<JI' card has been roporlod lost 0( ololen -S)<Xl are using ll>o roporledls a.rd: (7) PSECU.lIas raasoo 10 toe,..... 1ha\ 1ht _ nquesled '-'--- ~ (8) lhe ~ Is due '" an oq<Apment ~ that)<><l N~ about _ )<Xl ...nod Ihe transadlon at 1ht Money k:>ess c.ntar. Pl.US Systaon or HONOR me; (9) !he Ia!oJra was c;aLJSed by an act <t God, trI, 0<' o<l'.ec'~"",...<<by&rrfolher=- toe)'o<ld oontrol; (10) 1)<><1 ~ ~ ~ . __ If\4l, at a Moner _ Cenl.... f'l.US v,_n HONOfl,<JJ.(,or~lermhal1l'.allsr>Ola~~~ &bow; or. (11) Ihe b'atlsadlon Yo<<JId 8XlOHCl1lle cec\lrfIy ~ c:<l e<)OU' I.Iorley kc= Card. ACH and ssr. ff PSEClJ Ia.I.s to ~te a Irattsadlon c:<l time 0( In lho ..,.,..a am:><.r.I, _ ~ .r.m.ctc<l by )<><I, PSECU l'1ll toe I&bIe "" tamo~ Oll.-d by o<.<la!uro ....Jess: (1) !here .... hsuIlicleol fun<ls l'1 Y""'(3aa:o<'J Itle ~ ~eltletrans""'r.(2)thefuno:!sln)'O<o<'CCO<.<ll&t'O~ed: tto.e a:. W;;ject '" Ieo;aI pltOOO.$S; (<) the tra,,,,,,cdcn )<>e lransaolon roo:;ues!ed Is .....~ (6) It>8 toey:;o:l cal.-d byL1 ad clGod. fire, Co<'C(;)erce!aWophe. O<byanother;~ f tto.e o:rl:'olln L'l'J c:aM. PSEOJ ......., toe i3tIo "" ac!ual ~-^"e PSEClfs ta,1Uf"S to ma.ka ~ trar.sa.ction rewh.ed fror.l a bof'.a. fide! el'TOf ~' . ~....ocedure:s 10 a-..old ClJd1 emxs. '. ~. D~ro to Thtrd' P3rtf.u xour:t. to MAC. A-."'1i and S$T-PSECU .,11 C""'=' r'..o<maOon aX<.1.Y..<Jf"''\.,tffy'..... ttird par...,.. (1).t.ar. ~"ne-ce=rf 10 o:mple'.s -=vJ.)Of ltlrd parrf. ~~ e.."ld r..a.r6~ cfy...ur aO>>...'flt ~ PSEOJ upoo re<: . ~Tt O(tSers: wd1 as a ~ /;<.<",u: (3) to.corrpy~.g0><3rr.ment ali"~or"",",r..me:"'C; (<) i1 oo:or'..a.""" '"'" y.<i' >mt:oo p<lnn=>:<l; (5) '" """ply . (e) on reoo'P' C .adrr'~~.., a~rq 1i<.Ir."r.-..ortse.S, sd:opoerw, <<: court ~rs. kol' ~.!W'I ~:loo!r.:<:1' W....ral Jo.,,""""'f 0< 6ope.""""'" tto.., a ~...-,d (7),..!>en ~ Is n ~-.oo,.".,.... F\io;r.t IoFr.a."ClaJ prMlcyH;tol1g,o, Is r.ec=sary ~ ta.<e ~ ac:Jon 10 ....".,.,r 00""". -- ___ '_____ ____..__~-#-#- -----...T"-"'" n.,.~r~~. -. ~)'OUt Pe,.."...J SeMot louI (PSL). . . b) W1:hdr.tw <ash frtl'll)'OUt C:hedOng and)'O<Jl' Reg<Aa, Shares. c) Mako a cash ~ from)'OUt Po=<w Sot\'ice loan (PSL). ell Oepoo!t c:<Jtl'e<'q. ct>edcs. 0<' draIt$ (oolns .,.. no< ~llot Itartsmlsslon ., PSEClI for doposl! h)'O<J" Choddng and l"'-T ~r SI\aros. NO'TE: Thore are 1i>TJ:e<!locallorls i1 Maryland wt\ero 0ep0sIls may be mado. We "':.s.~ Ie hfo<m)'OU lIlat some MONEY ACCESS CEIITEIls b::ate<! ;, these .areas =1 on/y~ a= 1e)'O<l( ~..)'O<JI' R01Mat Shales. and)Q'.T Pe<sona1 SeMoe LoaI1. No( a.! MONEY ACCESS CENTERs rM'f accept Oeposlts. There rM'f also be Imlts on 1M amovnt 01 ~ ..n;a, )'OU may deposit ;, co..wn MONEY ACCESS CEHrERS. 11.PLUS SYSTEM"Sorvloes . J,U,C Only - You rM'f lJ$O )'O<Ir MONEY ACCESS CARD wil.~ )'O<Ir Po,..,...,.z IdenlIfication Number (pIN) '" any PLUS !SYSTEM automaled lener machi"" (P1..US SYSTEM ATMJ located ~ e... United Slales. P\>eno Ri::o. Car.a~ GIN! Brltaln LOd Japan 10 condocl any cf Ihe IolIo>Mng hnsadi= "" It>e a<=Ynts a~ by)'O<J" MONEY HX:€SS CARD. a) DeUlrmlne lI>a ao:oonl balanco{s) oI)WI' Qo.oddng. )'O<Ir Re>ular ShoT... and )<><J' Pe=nal SeMce loan (PSL). b) Wahdraw cash from l"'-T Ched<lr.g and)'OUt Reslular Shares. c) I.<aka a cash a~ rrom )WI' PeI'SC<\8l So('(\:e loan (PSL). NO'TE: o.poslts are no< available """"V1 f't.US SYSTEM AThts. The$e aro 1M MONEY ACCESS CENTER ..Mces CJJrrec<:y ~ ~ It>e PLUS SYS'T'EM ",,"-"<1<. O<her..,.,.". rM'f be oI'.erod h 1M future. 12. HONOR" Syslcm Scri1oe.s . /.lAC Only - YO<J rM'f ~ )'O<Ir MONEY N::CESS CARO _ )<XII' PeI'SOtl3l kSer1lfficallon N~r (PIN) at any HONOR automate<! teller rr.acnne (J;ONOR ATMl locale<! If1to<.9>out Aor1da and olMr a..... ..mete 1lle.I)l "'" HONOR JlJ1,(s. The IollavMg hitsacti004 may be c:on. "" 1M a<:o>Jrts aooessed by )<>Ul' MONEY J.,CCESS CARD. a) Oelermino 1t;a ao::ot."l bal'a.n:.e(s) of )'OUr Ct>eddng. )'O'Jf R~u[ar Shares. atld )'O<Ir Pot'$Q<'\a1 So('(\:e Loan (PSL). b) Wahdraw cash from )'O<Ir Ctleck.'ng and)'OUt Regular Sl\ar.... c) I.<aka a cash a~ from)<J<Jr PoI'SC<\8l SoroJce Loan (PSL). NOTE: Deposits "'" not avaJtall!e Itll'Ough HONDA SYSTEM JJ'Ms. The$e era 1M MONeY ACCESS CENTER ser.ioe< QJt'(enl1y""",'tabIe 1I1to<JS:" tho HONOR SYSTEM ~ OI!><r seMces may.be o~.ered h t)<l fuMe. U. oa- ATM Natworl: A<:oe$$ .. J,{AC Only - From llma 10 tim<>. PSECU may malea anangoments _ _r nM noM<><la 10 gr.ont ~ to MONEY N:CESS CARDs. PSECU &IWI Worm)'O<l _ wcI1 .......lQO>nonls are INdo LOd deso1be f>e "Mces that "'" ...,,1IabIo ., )'OU. My ctwpo.s,.'l! also be ~ 14. P\m;ha.u T(1InuclloN w.c OnIy.- '\bu mtcJ ~ ~ ldONEY ~ CARD 10 ~ goods aM uM:>e< {"PlIr'<::h&sa') at any r'lIlaJ ~ ("Me<'ct1arC) ..me(1l I.4OHEY N:;t:;SSS CAIl()o aro ~...c:r l>r cud> t.lortnant The amo<.rlt cf a.! cud>. f>ur<;ha.sa.s >oil! be ~ from )'O'X Ct'ooddng. When )W inaks a f'u'c/IaS4 us!ng ll'>t MONEY ~ CARO, )W Mtl be raquestlng PSECU 10 wft:ooc!t>w fu-.:ls from)C><Jl' Cl>ed&'>g h IN amoo..r.l oIlt>e P=ha.se and d;'~ PSECU ., P"'/1l'>ese fu-.:ls \0 cud>M.n:horll 5.l.JmItatlo<\a "" ll>e u.. of you, MONEY ACCESS CARD I.U.C only - You =1 ~ l'I' 10 $.SOO per ~ from """ '" . o:xrl><nation 01 )'<l<.~ accounts by us!ng a MONEY ACCESS CARO ~ II>t MlCs are rr.l.4bl. a: a MONEY HX:€SS C€NTER, PLUS SYSTEM '" HONOR Sys:<<n ATM. In ad&don. )'OU may.~ "p \0 $500 at pol1t cf W. ~ PSEClI ~ 1M r1g:l1o rea..:. Hs C<3y im!t at &rr/ lime. In Iht ......... !Nt )'O<Ir CaJIy JmIt Is loss ItWI $.SOO. PSEClI wt1 a<Mso )'0<1 cf It>e now li<':1i'.atio<l. Tho ~ lot >oitho:!~ itrits....1::; at 12 mid~..ch ~ LOd eOOs .. 12 ~>rt 1M nex! ~. Fo< atOJrit-1 p<J~. IMte are aJso C<lrtain _I 5<r.i'..a:ior's "" 1M Il'eqoeocy of ~ 01..... MotlEY ACCESS CA.'lD. Howeve<'. tt;e.s..a imitatior1.s ..re oat f"eV9.3:.ed lor $eo..:rltl tea.SoO(\$. "J1'1.e Pef'l".sj.varJa S'..3~e ~ Cte<frt Unl"" Is net ~ 10 maInu.'n ood1 ~.atic<>s. Y"" rl boo dor>e<luse of r>'Jr MONEY ACCESS CAI1D.N )'Ou exc.>od the ~I ~ra'N;lVpurd"'.a.s.! &mit. If y...u 00 oct "'.;r..., adeoq,c.a:e fvt"lds r..a!~ r. )'Q-'l' ao:.:o...'I'":'l., do net emer tt--"3 corred Persor.a! J.C..e.r.t:flCatkln. Nl.!n"be( (PIl'1J. 0- ~ C"-"3 fre<i~ of 1."S.aQ03 Er.-.r.a!.ion.. ~ recei0"proviO&d t-t t';e MOf--.{8' ~SS CENTER, .PLUS SYSTEM. <X HONOR Sys:em I'J],{. '" Meit:l'.aN ~.a1 "":.lI f'tlX-Ty y;.u ci ~ dedaI. There is e iml:: 0f1 Uoa n..~ c( c:..d1 <leri.<" p<m'Jtlod. 10.<:",""", 10 <>=ed .... imIt """ I1lS<Jf: ... (Mar.. rvte<rtloc. 01 JI~l!(~'" moc-I ~a!X:u. ~bt.1;;;ih.,~~~. crr~'~ rn:sl hoar tom)'O<l no Iale< lhan EO ~ all.... CO<1t)'OU!he ~ PSccu .mId1lhol ~oro<rorawoare<t 'Ibu ~~!he ~~ C<l (aJ y""" oamo. aGOJ<Xlt~. LOd MONEY KX::€SS CARD I>U'rOor ~llon: -J. or nle"""", "'-'Tber ('t SoI!-SoMoe T~ Tran.J!!.a.!MC Deo=t>o 1M anor or 1ht _ )W are ........... ~ &rei ~ (ll) claatIy as)W C8tl v.f1y)'O<l bflleo.oa k Is an error or o.t>J)'Ou ~ !he ~ as aroc!; (e) The dcl!at omocr.t of Ille ~od e_. --..mo600. n )'O<Ilell PSECU oraJty. )'0<1 rrost aeod )<'II' ~ 0( ~ .' \Od!hin 10 ~ clays. PSECU \dI ~ )'O<I1he ~ 0( !he ~~ ><ltllln 10 ~ dz(s for MONEY ACCESS CENTER, PLUS .' HONOR SYSTEM. SEtF-SERVlCE TELEPHONE. 0( DlRECT Desrr~ TRANSACTIONS. or 20 Gays for MONEY ACCeSS CENTtIl .-......" I transadlc= n we need more lime. f>oweo.oer. we may blo:s Up 10 PutIIase MONEY JCCE.SS CENTER, f't.US SYSTEM. HONOR SY~ ~ lor SERVICE T'El.EPHONE. 0' DIRECT DEBrrlCflEOrr ~ SElF. dz(s for MONEY ~SS CEN1"EIl ~ ~ n PSECU 0< PO 10 do t'l!s, k>o'Jl rocrod"<)<>Xa<X:Ou'1t _1:110 busl.......clays forlha~ 'd.. 1hlnk Is n error I k Is aldONEY ~ cam:Fl.1'UlS ~ ~ . SYSTEM, SELF-SERVICE TELEPHONE. or OlRECT OEllrrlClleorr ~ or 20 ~ c.ys N k Is a MONEY N:X;Ess CENTER ~ trar=c<lon. "'" Mll N'''' Ille usa c( no """""I d.mg u... 1lme k taI<ao 10 complo'e !ha ~ n PSECU does no< n>oeIYe )'Our COlrplal-:I 0<' G<>es:ioo ... ~ .r.thitl 10 bJshess days. PSECU may no<.!"OCt'Odit e<=<snL n PSECU dodOes !hate Is no error. )<J<J \dI be a<Mse<I _ :::, Il<.:s!ro=l Cays allo< Iha ~ Is OJI!'l'lele<l. YO<l may ask forcoplos oIlhe ( ~ PSECU Ll$Od h !ha ~tlon. n PSEOJ ~)'<lu' ao:O<Jnt ..no'le ~1!ng.)'O<IlTX.<St,.~"""" ft..-.cs N PSECU ~ no ell'O<' has o:n.m>d. NotIoe To CoMumera: U,lng ATld'5 ". Be alert 10 )<XII' .u~ n)'O<l do<.~t t1<l saleI)' of a portl:u!ar 1cca00n.. ct>ooso an<:ftltr .m.t . - n l!1t ATM has an o<'Ilry doc,. do$< tho doer prior 10 i1ltlating)'OUr lrar1saction. Put r>'Jr ciSn away _..IeI)'. , Direct compla:nts c::onceming A1M security to an appropriate dep.attment or the O'Oner of Iha ATM. /I.... Jorooy ....ld.nts:)'Ou may caD It>e /I"", Jo~ Depo"""'nt cf 6anldng at (609) 292.7Z72. . . For those members who. purchase a vehl~'e un,derple DRIV Program. please revIew the follOWing FTC .Notice: , NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH TIlE DEBTOR COULD ASSERT AGAlNST.TIlE'SELlER OF GOODS. OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. 'RECOVERY HEREUNDER ByrnE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BYTHE DEBTOR HEREUNDER. ii;'!! _ell "'"l!e ~ 8.i g...z:: e~E ~ .., ~ 11:I"'0 -::. f ooc ...::s C lI;I S' ., ~:o.., :::t 0 .c::: c Cl _.'i U . Cl .., . 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L ;p: () C' < :") " , ~: -.~ 8 (j _.U - -, SHERIFF'S RETURN - REGULAR CASE NO: 2003-05315 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PA STATE EMPLOYEES CREDIT UNIO VS BROOKS JESSICA N RICHARD SMITH Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon BROOKS JESSICA N the DEFENDANT , at 1912:00 HOURS, on the 15th day of October 2003 at 613A GENEVA DRIVE APT 32 MECHANICSBURG, PA 17050 by handing to JESSICA BROOKS a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 18.00 7.59 .00 10.00 .00 35.59 rR.? -~~ R. Thomas Kline 10/16/2003 GODFREY & COURTNE Sworn and Subscribed to before By: me this .23.uZ day of (9 .ih:!J-U.. ~ ,2(7)3 A. D . n. Q~-,- '- ~honotary . ~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION Plaintiff NO. 2003 - 05315 P vs. JESSICA N. BROOKS, Defendant CIVIL ACTION - LAW PRAECIPE FOR JUDGMENT Enter Judgment in favor of Plaintiff and against Defendant, Jessica N. Brooks, for want of ANSWER TO COMPLAINT. (X) Assess damages as follows: Debt -----------------------------------------------------------------$ 6,780.05 Attorney' s Commission------------------------------------------ $ 1,339.01 Interest-------------------------------------------------------------- $ to be determined Piling costs--------------------------------------------------------- $ to be determined TOT AL-----------------nn---------------------------------------- $ !I, U!Ml{i plus costs (X) I certifY that the foregoing assessment of damages is for specified arnounts alleged to be due in the complaint and is calculable as a sum certain from the complaint. (X) Pursuant to Pa.R.C.P. 237 (Notice of Praecipe for final judgment or decree), I certifY that a copy of this praecipe has been mailed to each other party who has appeared in the action or to his/her Attorney of Record. (X) Pursuant to Pa.R.C.P. 237.1, I certify that written notice of the intention to file this praecipe was mailed or delivered to the party against whom judgment is to be entered and to his/her Attorney of Record, if any, after the default occurred and at least ten days prior to the date of the filing of this praecipe and a copy of the notice is attached. DATE: \~Vr\'^1 Signature: Steven C. CourtIi Attorney for Plaintiff P.O. Box 6280, Harrisburg, PA 17112 (717) 540-3900 ID#: 74669 NOW, AJoo ,p , 2003, JUDGM~~~~E~~~OVE. Prothonotary/Clerk, Civil Di~ ~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA PENNSYL V ANNIA STATE EMPLOYEES CREDIT UNION Plaintiff NO. 2003 - 05315 P VS. JESSICA N. BROOKS, Defendant CIVIL ACTION - LAW TO: Jessica N. Brooks 6l3A Geneva Drive, Pat. 32 Mechanicsburg, P A 17050 DATE OF NOTICE: November 6, 2003 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU FAILED TO TAKE THE ACTION REQUIRED OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN (1 0) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAYBE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP: Cumberland County Bar Assoc. 2 Liberty Avenue Carlisle, P A 17013 717.249.3166 By: Steven . C~squire GOD Y..&-eOtrRT'fu.:-y P.O. x 6280 Harrisburg, Pennsylvania 1 711 0 Telephone: 717.540.3900 I.D. # 74669 Attorney for Plaintiff OFFICE OF THE PROTHONOTARY OF CUMBERLAND COUNTY Curt Long Prothonotary Telephone: (717) 240-6100 Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA Plaintiff: PENNSYLVANIA STATE EMPLOYEES CREDIT UNION versus Defendant: Jessica N. Brooks Judgment No. 2003-05315 CERTIFICATE OF RESIDENCE PA. R. C. P. 236 I, hereby certify that the precise residence of Plaintiff is: Pennsylvania State Employees Credit Union I Credit Union Place Harrisburg, P A 17110 and certify that the last known address of the within defendant is: Jessica N. Brooks 613A Geneva Drive, Apt. 32 Mechanicsburg, P A 17050 / / '~C Steven C. Courtney, Esquire GODFREY & COURTNEY P.O. BOX 6280 Harrisburg, P A 17112 717.540.3900 Attorney for the Plaintiff Attorney ID# 74669 C'A:J(:)-tg. 51.#.\'6 B _ W () f' ..t:: ~ :tJ ~.c..~p:: ,t& ~ \) CC ~" vl"~ ."" ~r: .< (j'! _,'~' (2 r:~:\ ~~(- ,,-;:t. -,'C.. -. > ::(1 ~;) f...., --I IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION Plain tiff NO. 2003 - 05315 P C", " -', , , , /'...../ VS. JESSICA N. BROOKS , Defendant CIVIL ACTION-LAW TO: Jessica N. Brooks, Defendant ~ You are hereby notified that on ulh:) iP , the following (GffieF) (Degree) (Judgment) has been entered against you in the above captioned case for your failure to file an answer to the ::;~~nti~;;;i::untof$8'119.06 Plua::2::~ ~. Prothonotary 0-- I hereby certifY that the name and address of the proper person(s) to receive this notice is: Jessica N. Brooks 613A Geneva Drive, Pat. 32 Mechanicsburg, P A 17050 To: Jessica N. Brooks, Defendido/a (Defendidos/as) Por este medio se Ie esta notificando que EI de Del , EI/la siguiente (Grtieft) (Deereto) (Fallo) ha sido anotado en contra suya en el caso mencionado en el epigrafe. FECHA: Prothonotario Certifico que la siguiente direccion es la del defendido/a segun indicada en el certificado de residencia: Jessica N. Brooks 613A Geneva Drive, Pat. 32 Mechanicsburg, PA 17050 PENNSYL VANIA ST ATE EMPLOYEES : IN THE COURT OF COMMON PLEAS CREDIT UNION, :. C.umbe.r/ard COUNTY, PA Plaintiff ~ NO. dC5D3- Cb3/5 P vs. de55/CA IJ. :BK~J Defendant CIVIL ACTION -LAW PRAECIPE TO WITHDRAW/ENTER APPEARANCE TO THE PROTHONOTARY: Please withdraw Steven C. Courtney, Esquire of the Law Offices of Steven C. Courtney, P.C. as counsel of record for Plaintiff in the above-referenced matter. Please enter the appearance of Melissa L. Van Eck, Esquire of Van Eck & Van Eck, P.C. as counsel of record for the Plaintiff in the above-referenced matter. Respect~ted, By: Steven C. Courtney Attorney ID #74669 P.O. Box 6280 Harrisburg, PA 17112 717-540-3900 By: Date: Melissa L. Van Eck, Esquire Attorney ID #85869 P.O. Box 6662 Harrisburg, PA 17112 717-540-5406 Attorney for Plaintiff Document #: 2 J 8597.1 .:'::. ~ c