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HomeMy WebLinkAbout07-6742IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES NO. 07 _ &7t1l CREDIT UNION, , Plaintiff VS. PAUL E. GOFF, JR. 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 farther 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. Laywer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717) 249-3166 or 1-800-990-9108 Document #: 180057.1 EN LA CORTE DE ALEGATOS COM UN DEL CONDADO DE CUMBERLAND, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES NO. CREDIT UNION, Plaintiff VS. PAUL E. GOFF, JR. 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 demanda puestas en las siguientes paginas, usted tienen que tomar accidn dentro veinte (20) dfas 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 ma's 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 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 O GRATIS. Laywer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717) 249-3166 or 1-800-990-9108 Document #: 180057.1 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff VS. PAUL E. GOFF, JR. Defendant NO. 07- G 7 V Z C;cuc l ?u ?- 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, Paul E. Goff, Jr., is an adult individual with a last known address of 136 South Enola Drive, Apt. 3, Enola, PA 17025-2715. 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 and payments 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 November 5, 2007, the balance due, owing and unpaid on Defendant's loan account with Plaintiff is the sum of Six Thousand Eight Hundred Seven Dollars and 18/100 ($6,807.18). 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 Three Hundred Eighty-Six Dollars and 43/100 ($1,386.43) have been added to the account. 19. Any and all conditions precedent to the bringing of this action have 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, Paul E. Goff, Jr., in the amount of Eight Thousand One Hundred Ninety-Three Dollars and 61/100 ($8,193.61), 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: f Melissa L. Van Eck, Esquire Attorney I.D. No. 85869 P.O. Box 6662 Harrisburg, PA 17112 717.540.5406 Document #: 180057.1 VERIFICATION I, Harry L. Smith, Manager of the Pennsylvania State Employees Credit Union verify that the statements made in the aforegoing document are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. §4904, relating to unsworn falsification to authorities. Pennsylvania State Employees Credit Union By: Title: Co 161,-, s fm G. 2 Date: Document #: 180057.1 EXHIBIT 1W) V .-I Pennsylvania State 'Eriiployees/Credit Union No. 5393120: P98.,67013 " Numsbcq•PA171M70I2 a (7171234443<or1e001237.7329 AUTODRAFi VOID 6VER.4,17,000.00:;% ;,REFERENCE:, 8606618026- .,,VOID 120 DAYS AFTER,. 05/26/2006 ??A /nQ G CR OF (DEALER] - /rl/L If / r/• ?? $ _ :p/(D Z / 4 /? ,. Y R (/J/J''ti P'•?DOLLARS r? IMPC RTAIq: VOID UNLESS DEALER ENDORSEMENT COMPLETED 0vyef i Oraer! &tl vl S?.iNtw and U.ee VNidetl rd I.cioiy invai_t INtw VthJetl murt b redbatola Ors pumpralt If itpwed by PSECU or 1ni'AZ-Deck -V b., i<ilfned Na pwliond I1M Ixa«edt o/ IM AuroDlf/t NW be pid I: rte Barrewal (? .r to rlr a0im .(,I. Ber,-J.I. TN. Aum0ra11 sb0 nel b ut.d 1. p.rdue raconflmel.d. eery,-id, d...Ie. IA.II,..I-?.d, nr B..d deid v.hld.a or raMclat 000 -Irid<N. UNIaA arde. By ar<eplirp U. pi6c<eda.1 Wt drdr; vau a6rea 1e rha ltrmt bared en lb: revere :d2 : :. l'r' plECU IiAAa.717.787.03" NaR6 o,+fi iii- No<u C G .. T: a OaW • oa n nlcr? ramp . MEMBER ENO RSEMQfP :.. • By entlotsing Ihia ft ito6iatOrwe spree to tha'terms listed on the reverse ?ol tha drall ,Cemplat th I Bowlnp a P"Y-nt lnl°rmatlen. • -I ?` r 7nm 0.tanmtl: ?' Raler m Maelrtum Twmf In tM M ter VM<If legit &aclxte_ - Melhod. ? Rum Traml.r ? Nomeba ParreN - Il I' Cowen ? 11-0 Palment Fr.TJ..v: ? Idanuvv OBI-Wrat sly .lair: -Hy _ r J Member Endorsiai ment •?r • r'. `I PAUL E GOFF71t " Co-Applicant Endoraemant - ' NO CO-APPLICAIN i" r' 7. e !!'_S39.2.1,2011'.1.!: 23 i.38 i_i i6?:.._.. ,...3.104.23.15.78!1',44 '???? L699000It' ir Y 1 jT T Q 'S} 41yym 31542 060606 613 24 ??7s s_0 ii 3 gR33?? lL?? d?#?x? y33? R _? e f s b??a m I- _111 '7511?1115 Z' C: Ufa ?w X-n $"1 ? °Rk =g n .3l 1i8 ? nm ?_ Sk9 S?6 Bo4 ]ate L! M 13 Ink am .0 N?[n g ad ia9YTR?fLm 8n -.2 31-4 a V `? 5 r2$e Y.m sD Fn =i . 4ED0 s i x "332 -AMZ%'oam i CZ i!€$'3g Wig= sag q $LN-0rn i ?r 3>:k"• "i?t7 c @.58 3 In m-_0- ( 3 •,ygeaiY?y"?-?+ Cdr:"_8 Q? C E -4 . p d pm ?? . 3. Ii?CME, itOS wz ml _ d' H ADVANCE PROCEEDS VOUCHER AND SECURITY AGREEMENT G??v Pennsylvania State Employees Credit Union P. O. Box 67013 PSECO Harrisburg, PA 17106-7013 (717) 234-8484 the financial 1inkTM (800) 237-7328 MEMBER NA E: > ?e:DAT S .?r ?'>:. -;: '`; EME(ER' =r•i- • ?::::-M,.M A?GOUj!1.T1`H,UMBfiFL''': ?.;.. ?. a ?. :• .:r: ` ;r: T;,??OTEI?f.GMBEti?:.; ?'.c?r:•.- PAUL E GOFF JR 6/6/2006 8606618026/L10 0005392120 136 SENOLA DRIVE APT 3 ENOLA, PA 17025 PURPOSE: Dealer Purchase TRANS ACTION TYPE 1 ? NEW LOAN 2 OPEN-END LOAN ADVANCE 3 [:] DESCRIBE [:] _ . ( ) 4. EQUITY ADVANCE YOU HAVE PREVIOUSLY ELECTEOTO HAVETHIS ADVANCE CREDIT DISABILITY `' YE SINGLE CREDIT L LI IFCv YEJOINT CREDIT NOFEV INSURED WITH THE FOLLOWING COVERAGE YE3RE O fXUS1 fL?JI (ut R(9 DAILY PERIODIC RATE ANNUAL PER- INTEREST RATE IS AMOUNT REQUESTED AMOUNT ADVANCED" PREVIOUS BALANCE NEW BALANCE (CHANGE IN TERMS ONLY) CENTAGE RATE FIXED VARIABLE +, + OTHER CHARGES .0177808 6.490 /o 0 K] E] 16, 990.00°1 - , 0.00 16, 990 00 PAYMENT DUE DATE PAYMENT FREQUENCY PROJECTED LOAN TERM 285.58 71612006 Monthly SECURITY OFFERED IF TH1313 A HOME Eour ADVANCE, THE ONLY 3ECURITY FOR THIS ADVANCE IS THE REAL PROPERTY (INMOST CASES YOUR HOME) WHICH YOU GAVE AS SECURITY WHEN YOUR ACCOUNT WAS ESTABLISHED, IF THIS IS NOTA HOME EQUITY ADVANCE, IN ADDITION TO THE PLEDGE OF SHARES IN YOUR LOANLINER' CREDIT AGREEMENT, THE FOLLOWING PROPERTY SECURES THIS ADVANCE. ITEM PROPERTY. ?• MOgE4' "t?Y ;aa+-?"•? ^' ,, •: f•. ILI' « w ES -..- 1 PONTIAC 2. 3. 6 2006 1G2ZF55B364275_.493 SDN 16,990.00 4.OTHER YOU PLEDGE SHARES AND/OR DEPOSITS OF $ IN ACCOUNT NUMBER OLD ACCOUNTA.OAN NUMBER (A) PAYOFF PRINC.+ INT.) OLD ACCOUNTAAAN NUMBER (B) PAYOFF PRINC.+ INT.) OLD ACCOUNTILOAN NUMBER C) PAYOFF PRINC. + INT.) OLDACCOUNT/LOANNUMBER (D)PAYOFF PRINO.+INT) OLDACCOUNTA.OANNUMBER (E) PAYOFF FUNC.+INT.) OLD ACCOUNT/LOANNUMBER PAYOFF (PRINC.+INT. By accepting the proceeds or by using the funds advanced and deposited Into your shar"hare draft account, you agree (1) that the property referenced above will secure the advance and any other advances you have now or receive In the future under the LOANLINERO Credit and Security Agreement (the Plan) and any other amounts you owe us for any reason now or in the future In accordance with the terms of the Plan and (2) to make payments as disclosed above in accordance with the terms of the Plan. 0GURA MUTUAL GROUP ,1980,82, 84, 88,11%98, 99, 2000, 01. 04. ALL RIGHTS RESERVE) PENNSYLVANIA STATE EMPLOYEES CREDIT UNION FORM 113175 JVXXOt00-1 037-2092.1 (4/04) NNED IJ3ii#ei iriEii g..60FF 1A: 53921:2:1.A4 Oi&ii:::. yimdar;::::::: ::.:::: iQi. i el: :'$iit?ov?i < Applicant COPE JR,f?pU.L.Q 0 9$ 64:Q0711. L?tatatat?'::' :'eersioti: Approve by LGOSS on 05/2612006 09:12:48 Conditionally Approve by MDAVIS on 05/23!200612:59:29 Non-Decision by Svstem on 05/23/200612:41:11 ........................ .r :• uarii:Stitus: ::.:.:.:. :...................................chive.....:::':::::::::::::::::::::::::::::::::::::::::::::::::::::: Application Received: 05/23!2006;; h0Time Received: 12:40:59; Application ID: 539212 ..............A Branch: IMPORT 1 '?%: RCas: Source: 2FLK1 :w: Cross Ref Source of Repayment: :•i:i; Secondary Source of Repayment: ................................. .. ..:A.:2: ............... Product: DL - Direct Loan -Vehicle loan (23) •?'1 ReCas . ................:.:.: -nx 0: Application Loan Type: Regular :w: Areappiovel?: .:•::•::•::•::•::••••••:: ; • Purpose: Auto loan • Dealer:.:.•:..:•:.:•:. ................................................... Auto loan . Lease Buyout:::::::::::::::::: ................................................. Auto loan - Refinance:::::: ..................................................... Auto loan - Private ................:.:.:.:.:..::.:.:.:.:.:::•.:.:.:.%:XX::.:XX: ............................................... Auto loan - Member Owned .: Auto Ioan Recreational Vehicle:..::...-'-- ...................... Auto loan Rollover::::::::::::::--:::X X X : Specific Use of Proceeds: :ShareApplication Information?: Credit Bureau: ? Experian ::WA IN. Title First Middle Last Suffix Name: ; ... PAUL :: E :.:....:.: GOFFJR w: .[. <....::. Birth Date: 10/0711984:;:; SSN: 1 98 64 0071 ; ::L'• [frkwp Total Number of People in Household: .:A.:A:.A::A:.A::A:.A.. Citizenship: US Citizen ::w; Borrower Type: ?Applicant :w; Spouse of Borrower: IN •A.:A. AA: aaaaaaaaaaaaaaaa Marital Status: :: Mother's Maiden Name: CB PIN::::;::::: ............................................... Email: ...............: .:. :•:;:::•::•: AKA/FKA: i :: ..... aA:E Underwriting Review 3/05/2007 3:34pm - Page I of 9 '.:Foreign Address:: Apt ! Bldg ! Unit Number Dir Street Name Dir Type Type Number . ........... • Standard 136 :: :'rrR SENOLA ` ? ::* CDR ?! <PT? a........a..R Rural Route Route/Military Type: Number: Box: PO Box PO Box; County: .:: ------------------ .......................................... s I City: ENOLA State: Pq Zip: 17025 Line 2: ................ ...... _R ....:•..:•..:•..•:.. •.... ............... Province:- Country: . •'•' Postal Code: Phone: (717J 7321917;: Ext: 0 Residential Status: ''Rents X Time at Address: 0 yrs L mths Cellular: 7 7771 Phone number verified.;::.:: ;Address verified.::: ?`? WApplicant's mailing address is the same as the current address.:::: :;Collect Previous Address Information. ......... :.: WiUnemp/StudentlHomemaker Position. <LABORER ...............................................:: :.Active duty military member::::. :.. ........ ......... Employer Name: PEIFER..TRUCTION .................... Phone: (717) 985:9150::: Ext: ::: .........C......ONS.............. . ............. ' • •X:: State- Verification Phone: City: ......_......_................................_........................._.....,...:. Time at Pres. Employer 00'•'•''• rs ''•••. mths Borrower Code: ?rj Non Employee Loan :::•: y ::•:.. ...................................................... Income' Gross Salary: 25600.00 Pa Basis: <Annually': s .... <.:<. Proof of income received..:: verified : " Em ?: Pt.oym. ................. 0T/Bonus/Comma Other Income: :Annually +r )Annually . . . . ::V ncome verified.: Source: Alimony, child support & separate maintenance income need not be revealed if you do not wish to have it considered. ..... ........................................: .: 0::Collect Previous Employment Information.:.:;:::: ............................................................ Collateral to add: New car, truck, SUV, van :`? + ? Collateral: ............................. _:..: •e. -01 Ttl Collateral Value: Standard Advance: .; :.StandardAdvance %J ;::;0000 Exist Liens Not Refi: 0:00 New Loan Request: : :;17000.00 Loan to StdAdvance: Credit Limit 1 Maximum Loan Amount: :::::: :::0.00 Loan To Value: 000.00 Purchase Details Selling Price: :: D ownPayment: :0.00 Rebate/Other Equity: 0.00 Net Trade In Amount::: ::::: 0.00 Tax Rate (%J: ::0.00000 Tax Amount: :0.00 Title: : 0.00 License: 0.00 Amount to Finance: I Inderwritine Review 3/05/2007 3:34pm - Page 2 of 9 ....................................... Creditor ............................. Account Number ........ Pa .. yment .. . .........Balance....... ...... Type ..... ................ Last Act Date ...... PO Estimated Payment 286 17000 1 housin 200 0 H Alim, child sup, court ordered 0 0 wxw? ??rxrn'mrnvwvwr S1 Debt Ratio: LC Debt Ratio: F -Q1 S1 Proj Debt Ratio: 23 Total S1 Pmts: F ;::486: Original Application Factors used in Automated Decisioning Housing Pmt: -,'2001 Other Expenses: Total MonthlyAdj: LC Proj Debt Ratio: ','.•'•.','•.'•0',•.''•.'',•0•, Current Application Factors being utilized by Underwriter Housing Pmt: 200: Total MonthlyAdj: ::- Monthly Income Summary Gross Income: ::; ;2133: + OT/Bonus/Commission: + Other Income: = Individual Total Income: ;2133: Combined Income: ; ;2133: ..A .? X a ... :':R . ?. ?..... 'A ???if?• ?'?•t (?,esele :•:: ?,1'3riselac?ed': w-w?w.??.?.w••? nnr?w` ?4?.vwiwi Application Loan Pmt: Total LC Pmts: Other Expenses: ; Application Loan Pmt: :::: 6: LC Proj Debt Ratio: Total LC Pmts: I-..'.. .'.. . V.I Ratios Revolving Debt: Housing Debt: Total Revolving Line: Net Disposable Debt: ;;23 Residual Income Summary Total I ncome: • Residual Adj: t : :.: :.::::::::":I • Total All Pmts: =Net Residual Inc: Net Disposable Income: ;::;:: :;::;::1647: D.. ;-, 3/05/2007 3:34om - Pate 3 of 9 ... . . . . ............ Product: (.. DL Direct an Vehicle an ... ----• - -- ---- Total Amount Financed::; :;17000:00; # of Payments: 72 Payment Period: I Monthly Total Collateral Value: ;::::;::;i i-: i':::0.00; Combined LTV: t ": ' : J 61 Estimated Payment: ; 285.77; Total Debt with Us: Current System Decision/Recommendation: Decision Party: Applicant G0FFJR, PAUL E (198-64.0071);: Application Score: ; 1186: Cutoff: ;:19 Score Summary: Borrower Bureau Model Score Missing Fields GOFFJR, PAUL Ex erian Li uidCredit Final S 18610 GOFFJR,PAUL Ex erian Li uidCreditA Sc 31 Debt ! Income Summar : Borrower Income Pmts D:I Fri D:I GOFF JR, PAUL 2133.0 486.00 9 23 Loan Date: 051231200E:::: Manual Loan Number `+•. Loan Number: Suffix: Disbursement Date: 05/23l200E::::Q ReportedAmount: ::::::: Maturity (Due) Date: 05!23!2012:::Q Primary Collateral Code: ;Vehicle loan Down Payment: Funds Request: ? New r j New Funds Amt: :17000.00 Payment Type: [installment Interest Accrual: Actual/365-f' Payment: ::285.77: Total Requested Amount: :::::::;:17000.00 ................... ... ..................... Interest Rate: - 6.49000: Final Payment: : ;::;::285.52: Loan Amount: :;;::::::17000:00 Maximum Term::::72: + Total Financed Fees: + Total Financed Insurance: ......00 Interest Rate Lookup: = Total Financed Amt: ::17000.00 t ..............: • Use Decision art ••? rate. Rate Type: ?Fixed Lock : rate. Rate Lock Date: Undenvriting_Review 3/0/2007 3:34pm - Page 4 of 9 Credit Life Selection: None - Plan: 3 '•`A Disability Selection: None ••? - Plan: ? ?< w:.,. ... .. Coverage for: Applicant GOFF JR, PAUL E (198.64-0071) '+: Credit Life (Decreasing) Credit Life (Level) Insured Amount: Monthly Benefit: :':O.OQ :':O.Of1 Premium: Cost Per D ay: End Coverage Date:: Coverage Term: Interest Pi 06/23/2006 ..................... 93.70 ................ 07/23/2006 ..................... 89.66 ................ 08/23/2006 ..................... 91.57 ................ 09/Z3/2006 ..................... 90.49 ................ 10/23/2006 ..................... 86.53 ................ 11/23/2006 ..................... 88.32 ................ 12/23/2006 ..................... 84.42 ................ 01/23/2007 ..................... 86.12 ................ 02/23/2007 ..................... 85.02 ................ 03/23/2007 ..................... 75.79 ................ 04/23/2007 ..................... 82.76 ................ 05/23/2007 ..................... 79.01 ................ 06/23/2007 ..................... 80.50 ................ 07/23/2007 ..................... 76.81 ................ 08/23/2007 ..................... 78.22 ................ Balance Disability ::':::0.00 : d= 192.07 ............. 16,807.93 ........................ 285.77 .................... 196.11 .................... 16,611.82 ........................ 285.77 .................... 194.20 .................... 16,417.62 ........................ 285.77 .................... 195.28 ............. 16,222.34 ........................ 285.77 .................... 199.24 ............. 16,023.10 ........................ 285.77 .................... 197.45 ............. 15,825.65 ........................ 285.77 .................... 201.35 ............. 15,624.30 ........................ 285.77 .................... 199.65 .................... 15,424.65 ........................ 285.77 .................... 200.75 ................ . 15,223.90 ........................ 285.77 .................... . .. 209:98 ..... 15,013.92 ........................ 285.77 .................... 203.01 ..... 14,810.91 ........................ 285:77 ........... . 206.76 ............ 14,604.15 ........................ 285.77 .................... 205.27 ........... 14 398.88 ........................ 285.77 .................... 208:96 ..... 14,189.92 ........................ 285.77 .................... 207.55 ..... 13!982.37 ....................... 285.77 ............ . Premium Paid in Cash.:: CL Prm Dis Prm 0.00 ........... 0- .................. 0.00 .................... 0. 00; .................. 0.00 .................... 0. 00;:::::: .................. 0-00 ........... 0.00':::::: .................. 0.00 ........... .................. 0.00 ........... 0.00; :::: .................. 0.00 ........... 0.00;: .................. 0.00 ........... 0.00;::;: .................. 0.00 .................... 0.00;: .................. 0.00 ...... ........... 0.00'::::':: .................. 0.00 .......... 0 - 00;:::; : ................... 0-00 .......... 0.00::::: ................... 0.00 .......... . 0.00;:.:.. :: ................... 0.00 .......... 0.00; ................... 0.00 .......... 0- 00,::,::,:: ................... APR: 6.49000 Interest Payments:::; of Interest Payments: Total Interest: ' :3575.19 Total Payment: ' :20575.19 XX: IriiC4irior'ttri`o ; rfnf: aleuti:Strtijrtiry,:: of Month? Number of Pmts: ;: -*-'-7-0 Pmt Period: 1st Payment Date: 06!23!2006::: : . . .End. . Monthly .................. ... . State: ( :'*4 Part •. A •. A •A ......:, I r-ipnvritino Revipw 3/05/2007 3:34vm - PaRe 5 of 9 DecisionlRecommendation: Non.Decision:.::. Decision Party: System :::::::::::::::::::::: 05!23!200612:4111 Decision Based upon: Applicant GOFF JR, PAUL E (198-64-0071 J;;;:;;:; Review Approvals Below: ;:::185: Application Score ':186: Cutoff: ':::185: Reasons for R Review Declines Above: ---------------- Non-Decision -No LiquidCredit Projected Debt Ratio. (PAUL GOFF JR) (Experian 0512312006X ::::::::::::: Decision: Approve;::::::::::::::::: Current Status: rchive::::::::::::: •:::: ::::::::: Underwriter: LGOSS::::::::::::::::1 05/26/2006 09.12:48::::] Max Sys Approved Amt: :O.OQ Reasons to Override: Stipulations: .. .. ........... .. ........ .. ....... .... ........ I..., I..*. .......................:..:.:.:.:. . : :::: :: :: :: :: :: : : : : : :....... ... ............................... :•:111eW' •:':•: :'c:i:•c:i:'c:i:cc A?y I. I< Decline Reasonfs): Reason Field Label Value <'. Member Code 0 Current PSLV LOC If HELOC, immediate adv amt 0 Deposit proceeds into S1 or S4 `XNET,XNETRE,XPHONE,XPAPRE, 2FLK1 Disclaimer Answer AYES or CYES AYES I member requested # of payments 0 .............. .............. Type All :::::At1d :•:' :•:': ' fiew:X% General LGOSS.""" ::......: ............................... VERIFIED :::::; :: `::::::::::; :::'::;::':::::'::'::': ::;:::::'::;::'::;:::;::::'::':::':::':::::::::'::':::•:::: INCOME .........................................................................:.:.:.:.:.:.:.:.: ................................ 05/23/200612:58:46 Review ...................................................................:.........:.... MANUAL DEBT RATIO 22 ;:.;:;:•::•:::•:>:::::::::•:::•::•:::•::•::•::•::::•:::•::::::::::::::::::::::::::::::::;::::::::::::::.... :.:...; .,..; :. ;.., .........................................: .•......; .,..; ...:................... . VF R I FY I N f"fl M F ::; :;: :; :; ;::•::• :::::::::::: ::: ;::;::;::::::; :;: ;; :;:,•;:;: :;::; : :::: . ]rnr nnn7 I - I A -- D.,..e 4 ..fa EXHIBIT 13" f i? PSECO the financial link b Pennsylvania State Employees Credit Union P0. i_3:)Y 0! ? ±riS:Ctrr?, PA ,?1?_ M 1.'17123-t-8,164 2,37- 72061 1 al Loan Disclosures This LOANLiNERF Credit and Security Agr•.;emer,t- which includes lr.e Truth in Lending Discfosures,'w,il be referred to <,s 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 ranslers 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 (nailed "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 tinder 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 LIMIT - We may, but do not have to, establish a credit limit on certain subaccounis. If a credit limit is set for a subaccount, you promise not to exceed the established credit limit. ft you exceed the credit limit, you promise to repay immediately 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 vie set a different day at the time of an advance. If the Addendum has no payment schedule for a subaccount, your payment will be determined at the time of each advance. Payments must include any amount past due and any amount by which you have exceeded any credit limit you have been given for a subaccount. You may repay all or part of what you owe at any time without any prepayment penalty. Even if you prepay, you will still be required to make the regularly scheduled payments unless we agree in writing to a change in the payment schedule. It 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 -Yaw can obtain credit advances in any manner authorized by us. If we allow you to use your ATM/Debit card to access the Plan, you may be liable for the unauthorized use of your ATM/Debit card. You will not be liable for unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft, or possible unauthorized use. If you believe your ATM/Debit card has been lost or stolen, i immediately inform the Credit Union by calling or writing us at the telephone number or address that appears elsewhere in the Plan, It the card is used to obtain unauthorized advances directly from the Plan, your liability will not exceed $50. It the unauthorized withdrawal is from a sttaredraft account, your liability is governed by the Regulation E disclosures you received at the time you received your ATM/Debit card, even if the withdrawal results in an advance being made from your overdraft subaccount. FINANCE CHARGE - The dollar amount you pay for money borrowed is called a `finance charge' and begins on the date of each advance. A finance charge will be computed separately for each separate balance under the Plan. To compute the finance charge. the unpaid balance for each day since your last payment (or since an advance if you have not yet made a payment) is multiplied by the applicable daily periodic rate. The sum of these amounts is the finance charge owed. The balance used to compute the finance charge is the unpaid balance each day after paymerts and credits to ttraCbata rGe have been subiracted and any additions to the balance have been made. In addition to interest, we may charge other finance charges which are disclosed on the Addendum. If 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, it any, all deposits and interest in all joint and individual accounts you have with us now and in the future. If 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 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 snares and dividends and, if any, the deposits and interest to all individual and joint accounts you have v%ilh Lis arid may exercise our rights under the lien to the extent permitted by state law. (We are state chartered it our name does net include the !erm 'Federal Credit Union") For all borrowers: The statutory lien and/or your pledge will allow us to apply the funds i 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 otf.er account that would lose special tax treatment under state or 'ed®rai law it given as security i Additional security for the Plan may be required at the time of an advance. It a subaccount identifies a type of property (such as "New Cars") you must give trial type of property as security when you get an advance under trial subaccount. A subaccount name such as 'Other Secured" means you ?must praride sec,,rrly acceptable to us when you obtain an advance under that subaccount Prop-arty you give as security vv ill secure all ar^ourls ov:ed under :tie P rn nil all otrer loins you nave wdn us ROY: Qt .n tau fu:Ur@. f'%C•?pi any 101 Se-_.C:rE',..1 Jy JCU' .,rin?r,.Hl rf e!I n?. Property securing Other IG .'ts i ha%e Cs m[iy 31b0 secure Q'o? Plan CREDIT INSURANCE - Credit life and or credit dtsabi!ity insurance is optional under the Plan. If you qualify for and purchase the insurance from us, you authorize us to add the insurance premiums monthly to your loan balance and charge you interest on the entire balance. 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. 11 the rates change, vm will provide any notices required by applicable law. PERIODIC STATEMENT- On a regular basis you will receive a statement showing all transactions under the Plan during the period covered by the statement. Statements and notices will be sent to you at the most recent address you have given us in writing. Unless applicable law requires notice to each 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. If you give us inconsistent instructions, we can refuse to follow your instructions. Unless our j written policy requires all of you to sign for an advance, each of you authorizes the ! other(s) to obtain advances individually and agrens to repay advances made to the other(s). Any joint accountholder may terminate the Plan by giving us prior written notice. It 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 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. 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 will 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 if you move, change your name or employment, or it any other 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, Kansas, Maine and South Carolina: You will be In default if you do not make a payment of the amount required when it is due. You will also be in default if we believe the prospect of payment, performance, or realization on any property given as security is significantly impaired. The following paragraph applies only to borrowers in Wisconsin: You will be in default if you fail to make a payment when due two times during any 12 month period. You will be in default if breaking any promise made under the Plan materially impairs your ability to repay what you owe or materially impairs the condition, value, or protection of or our rig%in any property you gave as security. The following paragraph applies only to borrowers In Iowa: You will be in ' default if you are more than 10 days late in making a payment. You will also be in default if 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 appitos 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 f be in default if you break any promise you made under the Plan or if anyone is in default under any security agreement made in connection with an advance under the Plan. You will be in default if you c lie, file for bankruptcy, become insolvent, if you j make any false or misleading statements in any credit application or update of credit information, or if something happens we believe may substantially reduce your j ability to repay what you owe. You will be in default if any property you have given us as security is repossessed by someone else, seized under a forfeiture or similar law, or if 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 if you are in default under any other loan agreernerit with us. ACTIONS AFTER DEFAULT - The following paragraph applies to borrowers in Colorado, District of Columbia, Iowa, Kansas, Maine, Massachusetts, Missouri, i Nebraska, South Carolina and West Virginia: When you are in default and after I expiration of any right you have under applicable state law to cure your default, we can demand immediate payment of the e,^tire unpa:d Galante under the Plan without i i giving you advance notice. The following paragraph applies to borrowers in all other states except Wisconsin and Louisiana: 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 payment, notice of intent to accelorate and notice of acceleration. i The following paragraphs apply to borrowers in all states except Wisconsin and i Louisiana: It immediate payment is demanded. yeu will continue to pay interest until what you o,.ve has been repaid ut re a, , lic- i:)1,. ,..terost rates in ef!ect or, it appl cab e. PSECU rOR61 =31,16 LOANLINER' Credit and SecuritLCrerlit Agreement (continued) _., t:,e &f.j uit 'ate disaicsied ?in !-e yid-land:-!11 F a r c `aA,--r has beer) made. your shares ind:?r Can be 3v() <.d fC.t 3rd whrtt y7;; owe as praV!da d in if'E3 ScCtrafT above C:?I!6d P%.,r ry Vv'' inn •I:; . ng s yi •en by la-.v .hen you , e n de's t Yo agree the Cie'd.i union zo -..:e rig,'** s take . , essl: r 3nv p,ooe ty n''en as s C'l'ay lind'2,r t n{an, w.thaul judica' pro c s_ .f n can C done v ,hot,'. breach of the peace, it ;ve ask, you promise to deliver (`.d p`opE:rty iit a time and i. place we :.house. It the property is a motor veh de or uaat, you agree that we may obtain a key or other device necessary to wilod, and operate it, wnen you are in default. We will not be ,esoonsib're for any Wher properly, not covered by this Agreement, that you leave inside tr':e property or that is attached to the property. Wa will try to return that property to you or rnake it available to,, you to c'a'nt After we have possession of the property, we can sell it and apply the money to any amounts you owe us. We will give you notice of any public disposition or the date alter which a private disposition will be ' old. Our exp nses for taking possession of and selling the property will be deducted from the money received from the sale. Those costs may include the cost of storing the property, preparing it for sate and attorney's fees to 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 to any unpaid balance under the Plan. Ybu agree to 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 been paid. The following paragraph applies only to Wisconsin borrowers: When you are in default and after expiration of any right you have under applicable state law to cure your default, we may require irmediate payment of your outstanding loan balance under the Plan and seek possession of property given as security. You may voluntarily give the property to us if you choose, or we may seek to take possession of the property by judicial process. If we repossess the property, you agree to pay reasonable expenses incurred in disposing of the property. It the property is a motor vehicle, rnobile home, trailer, snowmobile, boat or aircraft, you will also be required to pay any costs permitted by Section 422.413 of the Wisconsin Statutes. You must pay any amount that remains unpaid after the sale money has been applied to what you owe under the Plan. You agree to pay interest on any unpaid amount at the same rate as the advance, or, if applicable, at the default rate disclosed on the Addendum, until that amount is paid. It the property is located outside Wisconsin at the time of default, we may take possession of the property without judicial process, if permitted by the state where the property is located. The 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 payment, 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 at the applicable interest rates in effect unless a default rate is disclosed on the Addenduaw it 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 taw when you are in default and our rights under 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 law. Any change to the interest rate or 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 accordance with Section 422.415 of the Wisconsin Statutes. You will be notified of any change in terms. 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. Your obligation to pay the unpaid balances under the terms of the Plan t continues whether you or the credit union cancel the Plan, except to the extent that { your liability is limited by Section 422.4155 of the Wisconsin Statutes. f The following paragraph applies only to borrowers In Iowa: We can change the i terms of the Plan from time to time after giving you any advance notice required by law. A change that increases the rate of finance charge or other charge. that I increases the amount of your payments, or that otherwise adversely affects existing balances will apply to existing balances only if you agree to the change or you use the Plan after receiving notice that your use of the Plan means you agree the change applies to existing balances. I The following paragraph applies to borrowers in all 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. Any change in the interest rate will apply to future advances, I and at our discretion and subject to any requirements of applicable law, rill also apply to unpaid balances. i The following paragraph applies to all but Wisconsin borrowers: An incre ase in the daily periodic rate under a variable interest rate is not considered a change in terms under the Plan. We can cancel the entire Ptan or any part of the Plan it any tirna You may cancel the Plan at any time by giv,rg us prier wr:`ten notice. Your obligation to pay the unpaid balances under the terms of :.^.e Plan con;i-vie c t ;er you or the credit Union Cancel the Plan. j DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN -'vV( cw .friary i "niorcing any of our rights l TdEwr this P-a^ arty ..t n,. , 'narto-,t "o. •g :a ab lay to rCiSe our fiCt'as lIi'e( ,°:'C can _'1fJ!C;, lids P an aga'nst your "E Ifs or legal rE?present;itlveS• It .S8 :ho of tpion, y^J 7yre8 t,-ai this P inn vr:;I continue to protect us, i CONTINUED EFFECTIVENESS 1 gry pa 1 ' ". r i3n t' "n;rrid by a c:auR to be r:en'orce able. The rest wilt m ; .n t NOTICE TO UTAH BORROWERS tus w(' can ,.1 mhnt is a `.ins! e>pressien of the agreement betv-'een you and the Credit Union Thos writ=ten agreement may not he contradicted by ev;derice of ..1ny oral agreE:mer'A. The following is required by Vermont law - NOTICE TO CO-SIGNER - YOUR j 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 accessions. Accessions are things which are attached to or installed in the property now or in the future. The security interest also includes any replacements for the property which you buy within 10 days of the Advance or any extensions, renewals or refinancing of the Advance. It also includes any money you receive from selling the property or from insurance you have on the property. It the value of the property declines, you promise to give us more property as security it asked to do so. WHATTHE SECURITY INTEREST COVERS/CROSS 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. It 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, It the property is household goods as defined by the Federal Trade Commission Credit Practices Rule, the property will secure only the Advance and not other amounts you owe. OWNERSHIP OF THE PROPERTY - You promise that you own all property you give as security or if the Advance is to buy the property, you promise you will use the Advance for that purpose, You promise that no one else has any interest in or claim against the property that you have not already 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 lien to attach to the property either by your actions or by operation of law. PROPERTY INSURANCE, TAXES AND FEES - You must maintain property Insurance on all property that you give as securityunder the Plan. You may purchase the property insurance from anyone you choose who is acceptable to the Credit Union. The amount and coverage of the property insurance must be acceptable to us. You may provide the property insurance through a policy you already have, or through a policy you get and pay for. You promise to make the insurance policy payable to us and to deliver the policy or proof of coverage to us it asked to do so. If you cancel your insurana and get a refund, we have a right to the refund. if the property is lost or damaged, we can use the insurance settlement to repair the property or apply it towards what you tree. You authorize us to endorse any draft or check which may be payable to you in order for us to coiled any refund or benefits due under your insurance policy. You also promise to pay all taxes and fees (tike registration fees) due on the property. if you do not pay the taxes or fees on the property when due or keep it insured, we may pay these obligations, but we are not required to do so. Any money we spend for taxes, fees or insurance will be added to the unpaid balance of the advance and you will pay interest on those amounts at the same rate you agreed to pay on the advance. We may receive payments in connection with the insurance from a company which provides the insurance. We may monitor our loans for the purpose of determining whether you and other borrowers have complied with the insurance requirements of our loan agreements or may engage others to do so. The insurance charge added to an advance may include i (t) the insurance company's payments to us and (2) the cast of determining compliance with the insurance requirements. it we add amounts for taxes, fees or insurance to the unpaid balance of an advance. we may increase your payments to pay the amount added within the term of the insurance or approximate term of the advance. 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 I property. The premium for Ih:s insurance may be higher because the insurance i 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 satisfy any state financial responsibility or no fault taws. PROTECTING THE SECURITY INTEREST - if your state issues a title for the property, you promise to have our security interest shown on the title- Vie may have I to time what is called a financing statement :o protect our security interest from the i dairns of others if asked to do so. yoiu prrmi3r? ;a sign a financing statement.'you also promise to do whatever else we tank is necessary to protect our security interest in the property. You promise; tc pay aif costs, including but not limited to any afro-'^.r;y lees, we incur in prob3Chng ct.r secur,ty interest and rghts in IN, property. 10 the E ?3nt r:: , .,red by apo? c,;t.,'O, _w. LOANLINEW Credit and Security Cr2clir An;eemert (continued) USE OF PROPERTY t,' ;ii A'ivar : ,.s o:_ , pad cri you pronus2 }cu ... i lase the prcperry cart. - :n., .[ r,, a hood r,3pl,r c} :? t9'n our w'raten art^iSSiOn Def.,,, c. ;t, Mihtl ., ?n je5 t4 '!",e _-?pe,ly r hang;ng 'he ?'!'I'H35 '.S I?c:$ the property is kept. (3) in-or-m :1 in 51,tir:g before c,harglnq yocr adt?ress i 4i i r ..s to in:.oect . prcL: •'y +.51 Prar* AIY : t} ,;s tl- pr^.Pr?rty a tiamacy'd, ., o!e'S or a useo. t No, use , .e p.u el.j for ,.^'? f ? i7.1????I p: ;r cG:,e. l; toot ._ r. !4: ;)'CL?'ft y ,n <;notner SiBte withou! ta? !ing us. NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE - THE MOTOR `IEHICLE IN THIS TRANSACTION MAY BE SUBJECT TO j 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 is return a motor vehicle that is subject to a security interest, within thirty days after you have received notice of default. The notice will be mailed to the address you gave us. h is your responsibility to notify us if your address changes. The maximum l This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. You are advised to read your monthly statement and review it for any error discrepancies or unauthorized transactions. NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT. If you think your statement is wrong, or if you need more information about a transaction on your statement, write us on a separate sheet at the address listed on your statement. You are requited to notify us in writing within 60 days following the date on which we sent your statement wherein the error or problem first appeared regarding any discrepancy or unauthorized transactions on your account. Failure to notity 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 will 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, it you can, why you believe there is an error. If 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 wrong, To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur. YOUR RIGFITS 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 explain why we believe the statement was correct. In this Agreement, the words you and your means each and alt of those who apply for the card or who signs this Agreement. Card means the Visa Credit Card and any duplicates and renewals we issue. Account means your Visa Credit Card Line of Credit account with us. We, us, and ours means this Credit Union. 1 t. RESPONSIBiL#7 ----If-weiseueyoue-loard; you-e?ee to felony eifdebts ar d1he Finance Charge arising from the use of the card and the card account. For example, peralty u".v`rai !;'l'ure .., r:5!urrt .. ,. r .,•hiGle S G yc-ar in pfiS6n and; ci a lime of 5' So ,,;,0. For those members who purchase a vehicle under the DRIVe 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 AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. After we receive your latter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to semi statements to you for the amount you question, including 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. It we don't follow these rules, we can't collect the first $50 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 goof faith to correct the problem with the merchant, you may have the right not to pay the remaining amount dire an the property or services. There are two limitations on this right: (a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50. These limitations do not apply it we own or operate the merchant, or if we mailed you the advertisement for the property or services. Line only by written application to us, which must be approved by our credit committee or loan officer. By giving you written notice we may reduce your Credit Line from time to time, or with good cause, revoke your card and terminate this Agreement. Good cause includes your failure to comply with this Agreement or any other agreement with u Qr.ottr 3 ,erne reevaluatiult_ot your creditworthiness. You may also terminate this Agreement at arty time, but termination by either of us does not affect your obligation to pay the account balance. you are responsible for charges mace oy yoursev, your wvubrs ar,? , ,,,v, „u,o,,. You are also responsible for charges made by anyone else to whom you give the card, and this responsibility continues until the card is recovered. You cannot disclaim responsibility by notifying us. tx;t we will dose the account for new transactions it you 1 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. t The cards remain our property and you must recover and surrender to us alt cards l upon our request and upon termination of this Agreement. 2. LOST CARD NOTIFICATION - it ycu believe the card has been lost or stolen, y'ou wilt immediately cart the Credit Union at (717) 234-8484 or (800) 237.7328. After hours call (800) 556-5678. 3. LIABILITY FOR UNAUTHORIZED USE -You agree to nobly us immediately, ore ly I or in w: iting of the loss, thef o[ nautharized use of your Credit Card. You may be liable for the unalthorced use of your Credit Cad. Y u will not be i aUe for unaia`ihorzed Use that occurs after you rtoyfy us of the loss, tfteft, or possolei unatiIho-rried use.You will have j no lia'A"y ?or unauthorized ai criases mace with your Credit Card, unless you are gr.)ss!y negf:gent in the handling of your Caro. in any case, your liability veil not exceed S50" 4. CREDIT LINE - If we appro. your application, vie wilt eslablisr. a se';f- replenishing Line of Credit for you and n City you of ;is amount v.hen we ..ue Cne card. Yu agree not to let t ie a-Zour.t balance exceed this approved Credit Line. Each c yntent you make on Ine a=: ;nt .:iil r;;sfcr vojr Credit Line by tie amount or t`?e ,ham r r.,.: 31 You rya :•qu?is, -'r ;,icrt!as , n your Credit 5. CREDIT INFORMATION - Yu 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. 6. MONTHLY PAYMENT - We wilt mail you a statement every month showtng your Previous Balances of purchases and cash advnncos, the current transactions on your account, the remaining credit available under your Credit Line, the New Balances of purchases and cash advances, the Total Now Balance, the Finance Charge due to date, and any other billed fees, and the Minimum Payment required. Every month you must pay at least the Minimum Payment within 25 days of your statement closing date. By separate agreement you may authorize us to charge the minimum payment automatically to your share or checking account with us. You may, of course, pay more frequently, pay more than the Minimum 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 line balance owed, we will automatically post the credit to your S1 snares. Tne minimum payment will be (a) 2% of your Tolat New Balance, rounded tip to the next even dollar, or (b) $20.00, whichever Is greater In addition, at any time your Total New Balance e>c&eds your Credit Line. you must immediately pay the excess upon our demand. We will apply payments n the ro1owing manner. first to previous late fees, then to p-? Anus cash a dvan its { narce c largos then to previous purchase finance changes, then to current ta.e fees. sari to prbYioJS `rl5 . acvance balances, lien to prrvloc s pur chase balances m Vie cro-, r tf ?r !h y stir re po ,tc0., o your accour:l, tnen to curr:,nt i. sh ad.;ance ba? ances, c rid inerl to ..•., re: , p.: -?1...aru bit ci!?ce5. a}man: ;n,??cn .s at,p cd ,u . ?.. p i.,?•p< . _ ,.. ,. _ .. Visa' Credit Card Agreement and Truth In Lending Disclosure (contacted) 7. FINANCE CHARGES poi can avod the ri art i hi.^e ) Fe hi rs Paving the tu!l ar,v,rl o' U• r ti Ba;anci? of o. rc has^5 . ci r or t .4.th a 2- d..- _ . of your s a e: ent Closing date. Ca'hrrwi e, the Bai.irce c f P rehabs. -,..d 1h., ! .,ubseauent curchases trom he aatp they tr? o ns'e I to ycur c._co.,, ., w 1 be subject to Finance Charge. Cash advances are always subject !r, Finance Charge from the data they are posted to your account. Purchases: Ale Calculate your finance charge by multiplying the w rage adlusleo daily balance (see atpt gnat un below), wduding nevv purchases, for the oilling cycle by the monthly periodic purchase rate and corresponding ANNUAL PERCENTAGE RATE as disclosed on the Adderdu n Cash Advances: We cauculate your finance charge on cash advances by mu)tipfying the average ad;us?ad daily balance, (see eeplanation 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 Daily Balance for Purchases - Tlie Average Daily Balance for Purchase Transactions is calculated by adding the Daily Bafances (Purchase Transaction) for each day in the billing cycle, and then dividing by the number of days in the billing cycle. To calculate the Daily Balance for purchases 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 Cash Advance 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 purchases. Average Dairy Bakince for Cash Advances - 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 pumhases. The Average Daily 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 Daily Balances (Cash Transaction) for each day in the billing cycle, and then dividing by the number of days in the bitting cycle. To calculate the Daily Balance for cash each day, we take the following steps: We take the outstanding balance (ail amounts you owe) at the start of Oe 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 Lade 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 Balaince for Cash Advance Transactions. Note: Cash Advances are always subject to finance charges and from the day they are posted to your account, Payment§ 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 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. Note also that it the total of the payments 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 Periodic Rate to your Account on your next statement. 6. DEFAULT -You will be in default if you fall to make any Minimum Payment within 25 days after your monthly statement closing dale. You authorize us to transfer funds sufficient to make the minimum payment due it your Visa loan is in default. You will also be in default if your ability to repay us is materially reduced by a change in your employment, an increase in your obligations, bankruptcy or insolvency proceedings involving you, your death or your failure to abide by this Agreement, or if the value of our security interest materially declines. We have the right to demand immediate payment of your full account balance if 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 attorney fees. 9. USING THE CARD - To make a purchase or cash advance, there are two alternative procedures to be followed. One is for you to present the card to it participating Visa plan merchant, or another financial institution, and sign the sales or cash ach ance draft which will be imprinted with your card. The other is to complete the transaction by using your Personal Identification Number (PIN) in coriuriction with the card in an Autornaled Tester Machine or other type of electronic terminal that provides access to the Visa system. You agree that you will no'. use your card for any transaction that is illegal under applicable federal, state- or local taw. The montnly statement will identity the merchant, oiectronic terminal or financiai institution at which transactions were made, but sale, cash advance, credit or Jther sips Cannot re a red w 1h the Stiletnc t r u vats retain r •.,)py >f ch slips furnished oil the t! ra of the trap action i , ordr., to nli`y 'n ,on y s a c R. The Credit Union :nay make a reasonable ch,trga for photccep es of sips you rna ,cqJest. 10. OVERDRAFT OPTION - it you a10 1A to orerdi aft to Your PSECU Vista vredi? Card, that election is subject to the existing credo limit and the agreement it represents and the current loan policy at 'he time of the overdraft Ynu also understand that an overdraft'wiil be considered the sac=':e as a dash advance on your PSECU Visa Cred' Card and that the current Annual Percentage Rate for cash advances will apply. 11. RETURNS AND ADJUSTMENTS - f,lerchanis and others who honor the card may give credit for returns and adjustments, and they will do so by sending us a credit slip which vie will post to your Visa line of credit. If your credit and payments exceed vihat you owe us, we will automatically post the excess credit balance to your S1 Shares viithin 75 days- if the balance is one dollar or more, upon your written request, we will refund the credit balance to you. 12. FOREIGN TRANSACTIONS -The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or a government-mandated rate in effect for the applicable central processing date. In each instance, an adjustment may be assessed based on the ISA fee imposed by Visa. This tea, which totals 1% of the transaction amount, will be assessed on all transactions where the merchant country differs from the country of the card issuer. 13. SPECIAL RULES FOR VISA PURCHASES - if you disagree or find an error with a Visa transaction, and have tried 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 $50 and was made from a plan merchant in your state within 100 miles of your home, contact PSECU. 14. DISPUTED TRANSACTIONS - 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 account. Telephoning PSECU does not presefve 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 strict dispute timieframes set forth by Visa. 15. 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 default, we will have the right to recover any of these goods which we have not been paid for through our application of your payments in the manner described in the Monthly Payment section. With respect to this account only, we will not assert any statutory right we may have if you are in default to prevent withdrawal of your unpledged credit union shares (Deposits) below the unpaid balance of your account. However, it you give 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 account will be secured by your pledged shares (Deposits) and by the property described in those other security agre ments, except for your home. 16. EFFECT OF AGREENT - 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 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 taw permits, and we indicate in our notice, amendments will apply to your existing account balance as well as to future transactions. 17. 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. 18. RUSH FEES - You may incur additional charges for rush processing and rush delivery of cards and/or PIN master. 19. OVER LIMIT FEE- A $20 fee will be applied for each monthly statement closing date on which the outstanding balance exceeds the assigned credit limit by more than $100. 20. DRAFT COPIES - You may incur an additional charge for transaction summary/sale draft documentation. 21. COPY RECEIVED - You acknowledge receipt of a copy of this Agreement. 22. 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. I 23. NO USE - Inactive Visa accounts that have no purchase or cash activity may I be closed without notice to you after 18 months of no activity. 24. 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N(VN 000000 000000 000000 000000 naO0,0--N MVtn ,O rim PO--NMO Nm^mN0 NNNNNN 0 v ?a A v Fri s j VI _ t Cli SHERIFF'S RETURN - NOT FOUND CASE NO: 2007-06742 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND PENNSYLVANIA STATE EMPLOYEES VS GOFF PAUL E JR 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 GOFF PAUL E JR but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT & NOTICE , , NOT FOUND , as to the within named DEFENDANT GOFF PAUL E JR 136 SOUTH ENOLA DRIVE APT 3 ENOLA, PA 17025-2715 SERVICE WAS ATTEMPTED AT BOTH ENOLA AND BOILING SPRINGS ADDRESSES. HE LIVES AT NEITHER. Sheriff's Costs: So answers: Docketing 18.00 -7771 ,?. Service 20.16 Not Found 5.00 R. Thomas Kline Surcharge 10.00 Sheriff of Cumberland County 00 J ? 0 53.16 VAN ECK & VAN ECK 12/04/2007 Sworn and Subscribed to before me this day of A. D. 07-6742 20 10 APR -5 1 Ph 3: 44 Pr?'?? 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. PAUL E. GOFF, JR., for Plaintiff ania State Employees Credit Union ? COURT OF COMMON PLEAS OF ERLAND COUNTY, PENNSYLVANIA ACTION - LAW 7-6742 RAW/ENTER APP Kindly withdraw the appearance of Melissa q. Van Eck, Esquire as counsel for Pennsylvania State Employees Credit Union and Esquire as counsel for Pennsylvania State captioned matter. Papers may be served at the address set BARLEY By: Sh>dn X4' Long, Esquire Court I.D. 83774 126 East King Street Lancaster, PA 17602-28? 717.299.5201 / Date: J191AI) Defendant the appearance of Shawn M. Long, Credit Union, regarding the above- below. VAN ECK & VAN ECK, P.C. By: Melissa L. Van Eck, Esquire Court I.D. 85869 7810 Allentown Blvd., Suite B P.O. Box 6662 Harrisburg, PA 17112 717.540.5406 Date:' 2862173-1 f 07-6742 y _ ,~ ~~ r ~',Tn~ ZCIQ ~`±~ Z~ E~`o~~ 1 ~ ~i;~ NL!'~ l) VLF( ~•N'- 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. PAUL E. GOFF, JR., Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW No. 07-6742 PRAECIPE TO REINSTATE COMPLAINT TO THE PROTHONOTARY: Please reinstate the Complaint in the above-captioned action. BARLEY SNYDER LLC Dated: ~ '2 `'~ ~p Shawn MiL,ong, Esquire Attorneys for Plaintiff Pennsylvania State Employees Court I.D. No. 83774 126 E. King Street Lancaster, PA 17602 717.299.5201 Union C# 4.a.391~' 12~ any 3oa 2945209_1 ~, ~ ~ IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff vs. PAUL E. GOFF, JR. Defendant ~~ ...~ _~ ..., . , . ~ ;-? .~, -; ~_~ ii {_..~ ~=t 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. Layover Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717) 249-3166 or 1-800-990-9108 Document #: 180057.1 ! ~ EN LA CORTE DE ALEGATOS COM IJN DEL CONDADO DE CUMBERLAND, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES NO. CREDIT UNION, , Plaintiff . vs. PAUL E. GOFF, JR. , 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 tomar accion dentro veinte (20) digs despues 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 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 INFORMACION DE COMO CONSEGUIR UN ABOGADO. SI LISTED 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 O GRATIS. Layover Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717) 249-3166 or 1-800-990-9108 Document #: 180057.1 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff vs. PAUL E. GOFF, JR. 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, Paul E. Goff, Jr., is an adult individual with a last known address of 136 South Enola Drive, Apt. 3, Enola, PA 17025-2715. 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 and payments 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 Plaintiffls 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 November 5, 2007, the balance due, owing and unpaid on Defendant's loan account with Plaintiff is the sum of Six Thousand Eight Hundred Seven Dollazs and 18/100 ($6,807.18). 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 Three Hundred Eighty-Six Dollars and 43/100 ($1,386.43) have been added to the account. 19. Any and all conditions precedent to the bringing of this action have been performed by Plaintiff. 20. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. Document #: 180057.1 L` WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, respectfully requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant, Paul E. Goff, Jr., in the amount of Eight Thousand One Hundred Ninety-Three Dollazs and 61/100 ($8,193.61), plus interest, the costs of this action, and such other relief as the Court deems just and proper. Respectfully submitted, VAN ECK & VAN ECK, P.C. By: ~ '~ Melissa L. Van Eck, Esquire Attorney I.D. No. 85869 P.O. Box 6662 Harrisburg, PA 17112 717.540.5406 Document #: 180057.1 ~ ~ VERIFICATION I, Harry L. Smith, Manager of the Pennsylvania State Employees Credit Union verify that the statements made in the aforegoing document are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. §4904, relating to unsworn falsification to authorities. Pennsylvania State Employees Credit Union By: '"~ ~ Title: Ca I ~-e~..~, ~ -'yl G 2 Date: l l ~ U 5 ~U ~- Document #: 180057.1 EX~IIBIT «A~~ ~ ~ Pennsylvania State "~Employees~'Credit Union No. 5393120: PO BDY p70rJ • MAmt]wp, Pa 177p&TdU • (71)773:-0~plwrd001 777477! ~ .~ ' ` AUTODRAFT '~ VOID OVER.5;17,000.00 y;!y,.REFERENCE_~• 8606615026 ,;VOlp 120 DAYS AFTER-, QS/26l3006 - ' PAY.TO THE ;•~~ /,'},~ ~ '' ~ ~ '. /' - aG ., ' OR~ROF IDEALEAI. ~/~C+c/r~V'( :/v'. "'VL(J,/~ -$_~~(J Z~~ ii,> :/%x~Ct~ll ~vl/J~+'7 /I/~/Gf:~irYD ) /.it/7~1~',~+-~ P! - ~~ooi~aRS. . %~ /' I.MPOATANT: VOID UNLESS DEALER ENDORSEMENT COMPLE7E0 ~ ~ r 0WU'i Oren ~ &4 al SJ~ INaw ab U~cC V licled rd Iclory i"idce (Haw VeNJeq al to ttcnvad Ceferd!1•e AutoDrall la i~caw<d Ey PSFCU ar Iri'A~tcDrdl wdl pe% ritvrid. 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'v~O q~4. ~af~~'g~z °'EVA~;ixsoom . ~ C ~ 38-1 ~.9e d ~ y~3 aCa v9 'c(1tP(.Ptda7i_1P3134tv72(_.:!-•~-~G- _aR99$` 3$y-~~~s- --x-h.y~.z~g.'r1,-3-`-n°o- I?6-45-06 ]B]E5T1~ Z ' $ ~ ` ap gg.,,~~ ILFF 4:J6€~,F.(1 ---- t ~ S3 i~~:$E~a~ 6~~:a~L~-Z-Ipr'r'ia _- -------"-' s:~53aa8e~Fdd s`°T3::~; zl • -1 .~ ADVANCE PROCEEDS VOUCHER AND SECURITY AGREEMENT n the financial i1nkTM ~-.~ Pennsylvania State Employees Credit Union P. O. Bax 67013 Harrisburg, PA 17106-7013 (717}234-8484 (800) 237-7328 MEMBER NA E: ':%<:OATE,:~'t.;;~ .- . y: :)/IEM_9E~1ACC~O'UF~Y[lUf(IB6R'`' _ `~`. ~ ~-~iOiE FEIJ(.(BE ti ~ ~ ~y ' .~a;~„ PAUL E GOFF JR 616!2006 8606618026/L10 0005392120 136 SENOLA DRIVE APT~3 ENOLA, PA ]. 7 0 2 5 PUAPDSE: Dealer Purchase TRANSACTION ~ ~ N A VANCE 3 ^ D SCRIBE 4 ~ EOUITY ADVANCE 1 NEW LOAN 2. . OA D ) . ( YOU HAVE PREVIOUSLY ELECTED TO HAVE THIS ADVANCE CREDIT DISABILfTYc' ^ SN~ CREDR~ ~ EV O CREDIT INSUREDIYRHTHEFOLLO WWGCOVERAGE NO YE9 O YE NO VE3 DAILY PEfl]DDIC RATE ANNUAL. PER- INTEREST RATE IS AMOUNT REQUESTED _' AMOUNT ADVANCED PREVIOUS BALANCE NEW BALANCE (CHANGEINTEAMSONLY) CENTAGE RATE FIXED VARIABLE., +OTHERCHARGES .« . ~.~.., 00 0 00 :`:~1 9:~9`~ 90 6 ; (~ 1 6 990 00 - ] 0177808 6.490 % ~ . 6, 9 [] . J ;; . y kQ . .J~ , . . . {• , PAYMENT DUE DATE PAYMENT FREDUENCY PROJECTED LOAN TERM 285.58 7/6/2006 Monthly IF 7HIS IS A NOME EC1UITf'ADVANCE.IHE ONLY SECURITY FORTHIS ADVANCE IS THE HEAL PROPERTY (IN MOST CASES YOUR HOME? WHICH YOU OgVE AS SECURITY WHEN YOUfl ACCOUNT WA9 ESTABLISHED. IFTHI913 NOTA HOME EQUITY ADVANCE, IN ADDRtON TO THE PLEDGE OF SHARER INYOUR LOANLINER` CAEDR AGflEEMENT,THE FOLLOW WG PROPERTY SECURES THIS ADVANCE. REM PROPERTY. 'i~ "..MODEL'; ~trYEAFY.:^s" i~':I^s'^?< .U:,ftE1fA9 !~%~f'',.~C:~~:^ ty::."~t•:' [?g%: ::=:ti.: ,w •' .'sVAEU~v:x:, 493_ SDN 16, 990.00 5 +• PONTIAC 6 2006 1G2ZFS5B36427 r _ z. 3. 4.OTHER YOU PLEDGE SHARES AND/OR DEPOSRS OF $ IN ACCOUNT NUMBER OLD ACCOUNFA.OAN NUMBER (A) PAYOFF PRINC.+ INT.) OLD ACCOUNrA_OAN NUMBER (~ PAYOFF PRINC.+ INT.) OLD ACCOUNTILOAN NUMBER C) PAYOFF PRINC. + INT.) OLD ACCOUNTA.OAN NUMBER (D) PAYOFF PRINC.+ INL) OLD ACCOUNTA.pAN NUMBER (E) PAYOFF PAINC,+INT.) OLD ACCOUNT/LOAN NUMBER F) PAYOFF (PRINC.+ INT. ay accepting the proceeds or by using the tunds advanced and deposited Into your share/share draft account, you agree (1) that the property referenced above wiii secure the advance and any ocher advances you have now or receive In the future under the LOANLINEFi° Credit and Security Agreement (the Plan) and any other amounts you owe us for any reason now or in the future In accordance wRh the terms of the Plan and (2) to matte payments as disclosed above to accordance with the terms of the Plan. 49CUNA MUTUAL GRGUP,198Q 82, 84, 88, 89, 99, 99, 211GG, Ot, G4, ALL RIGIfiS IkSGRVB) PENNSYLVANIA STATE EMPLOYEES GHkUIi UNIVN NUItM 931 /5 JVJUIOIOt]-1 IX17-20YL-7 (M04) ~33~~'~~ 7~,~ NNED ............ 1Ji~i~ei~riEiiig::FaF]F~:JFI ~53927:2:~~i4PPia+ie ~::~xyiridiar::~:: ~:::::~::~:::~::~:>::~::::::::::~: ................................................ ............................................ .................................... ....................... .~..~..~..'.:. '.:.:.:..~.:.: $orio~~i:;~AD4ticant _.~OFF.Jf3, f?AU.L.E p 9$-64.•Q0711 •icel::~ .. .................. A.A.A.A.A.A.A.A.~ ............:.:.:.:.:.:.:.:.:<:.:.:~::. ::'::'i)e~'rsiori::; Approve by LGOSS on 05!26!2006 09:12:48 ': Conditionally Approve by MDAVIS on 05/23!200612:59:29 ~'"' ~`'`'`'` '"`'' ~'"` •''`'' '"' '; '; Non-Decision by Svstem on 05!23/200612:41:11 ~ '•~'~ ~"~ '~ ~' •~ •~ '~ '~ '~ ~"~ '''~ .; .: :..: ...........: .:..>uaent:Statust~: Ar~ve.....: Application Received: 05!23/2006•;;0; Time Received: 12:40:59~•~ Application ID: 539212 ...... :.......A Branch: IMPORT • 1 :•iv; "'•' •"" ~'''A •:Refa~s: ~'; ~~ Source: 2FLK1 .~ Cross Ref #:::•:::•::::•::•::; ~::•:: Source of Repayment: :.`;s •. < Secondary Source of Repayment: ;.r;:j .......................................:..: roduct: DL -Direct Loan -Vehicle loan (23J ~j :•:•:Dietaq~s•: ...................... ~• :•__w.:w:ww::µ~::~ ..................... Application Loan Type: Regular ::w: ~ Preapproval~: Purpose: Auto loan •Dealer::•:::•::•::•::•::•::•::•::•::•::•:::•::•::•::•::•::•::•::•:::•::•::•::•::•::: ................................. . . Auto loan • Lease Buyout:::':::•::::::::::•::•::•::::•::::•::•:::•:::•::•::•::•:: Auto loan •Ref'~nance:::::::::~::::::~::~:::::::~:~::~:'::::::::::::'::~:~:::::::::: Auto loan • Private Part~_:::;:;::::•:::::::>::::•::::::•::•::::•::•:::•::: Auto loan -Member 0 wned:•::::::::::~ :::: ~~: ~::::::: ~:: ~:~ :~::::::: ~:::: ::: ~:~ ~:::::: Auto loan - Recreational Vehicle:•::•::•:>: ~ ::•::•: ~::•::•::•::•::::::•::::•::•:::::: Auto loan -Rollover::~::::::::::::::::::~::::::::::::::~::~:::::::::~:::~: ~::~:::~:~ Specific Use of Proceeds : :.:.:..::..::.:•.::.:.:.:.:.:.:.:.:.:.:..::..::..::.:.:.:.:..:................................................ Credit Bureau:. :; .•t ......................................... ~Experian ;v: Share Application Information?: Title First Middle Last Suffix Name: ~ PAUL ..........::: ~:~'•::~:::: E .............:::::::::::;::; G 0 FF J R •: •::• :• •: •: •. Birth Date: 10/07!1984::;::; SSN: 198.64-0071:; :; •:•:LuokWp:~;~l Total Number of People in Household: ..A.IA:IA:IAJA3A.tA.3 Citizenship: US Citizen F*~:~ Borrower Type: Applicant •::~ Spouse of Borrower: jNo ::y:~ A.~A. - -- MaritalStatus: ::~. Mother's Maiden Name: ~ CB PIN: ;:; ;;;.;; ;:::::::::~: Email:::•::•::•::•::•::•::•::•::::•::::::•::::•::::•::::•::•::•::•::•::•:: AKA/FKA:: :::~•? ...... 1 inriern•ritinw Review 3/05/2007 3:34pm - Page t of 9 ::Foreign Address:: Apt /Bldg !Unit '""""""""""" Number Dir Street Name Dir Type Type Number i Standard :136 :':: ~':i:R SENOLA ~ ~ "•"`•"F `•"~"""~"""~ • Rural Route RoutelMilitar T e: ~ ---- -- Number: 0 Box: y yP ~:. PO Box ....... ;..; .; .; .: • .:. PO Box: County: .•,.: Line 2: ............:::: City: ENOLA..................:•:`::• State: .:..:.:.. ~ 0 •:: • •. PA ~~: Zip: 17025 -- Province: '::' Count' : `':`'' '"''' '''~ '' Postal Code::•::•::::•:::•::::•:: Phone: (717J 732.1917: Ext: ~ Residential Status: r ~ ''~ . ...........:. ... ~::::~ ,Rents .r: Time at Address: 1;:: yrs :1 mths Cellular: ( ) """`" ...... Phone number verified.~::•: ~: Address verified.: ~::•::•::•::•: Applicant's mailing address is the same as the current address.~•::• • Collect Previous Address Information. ... Position:;LABORER ••;;: ~~'~UnemplStudentlHomemaker •••••••••••••••••••••••••••••••••••••••••••••••• =%- ~::Active duty military member;;.;:. Employer Name: PEIFER CONSTRUCTION Phone: (717J 985:9150;:: Ext: City: ::::::: :::::::: State: • '::~• Verification Phone: [) : : ::;: ~:: ........ Borrower Code: jNon-Employee Loan Time at Pres. Employer. 0'^•:':'•'•. yrs ::•:''~:'9'•. mths ncome: ' Pa Basis: ~ . ;..• .................. Proof of income recerved.•:: ~ :................................ ................ Gross Salary: ;::: :;::;:: ::25600.00 .........:............. nnually ~:+'• ......... :<• Em lo•mentverifred •~~•~~~• ~: . P.. Y. ... ..............:.:.:..:. nus omm: ' ::::::::::::::::::0.00 ' ~ ' • """• "" • .:.:.:.:.:.:.:.:....... ::tiv:' :Annually , . ................ . ........... •~ Income venfied.::::•::•::•::: ..... ................. Other lncome :::.:.:.:.:..::.:.•0.00 rw-~•~•-~-~ :;r:' ?Annually ~..:.. ........ :..::.:.:.:.:.:.:... ....................:::::::::::::::::::::::::: Source: Alimony, child support & separate maintenance income need not be revealed if you do not wish to have it considered. ::Collect Previous Employment Information.:.:::;:; ............................................................ Collateral to add: New car, truck, SUV, van •'~: ..::. .,~~:: ..:.:..::.:. ..... ..:.: .::.: ...........~ .......~ ..... ... .t..~..<..~..A. :•ej''e~ ::~. et . ................................... Ttl Collateral Value : :::::: :::::::::: 0.00 Standard Advance: '::::::::::::'::: 0.00 Standard Advance %: ::::;;0 Exist Liens Not Refi: ::'::::::::::':::0.00 New Loan Request: ;:;:;::::17000.00 Loan to Std Advance: ':::0000 Credit Limit 1 Maximum Loan Amount: ':::: ~:::'::': 0.00 Loan To Value: 000:00 Purchase Details Sell'u~g Price: :;:;::~:'::':?:0.00 DownPayment: ;:;::;::;:':x::':::0.00 RebatelOther Equity : ::::::::: : ::::::0.00 Net Trade In Amount: '::::::::::'::::':0.00 Tax Rate (%] :::: ::::::::::::0.00000 Tax Amount : ::::::::::::: 0.00 Title:::::::'::::'::'::': 0.00 License: '::' ::::::::::::: 0.00 Amount to Finance: '::::::::'::::'::: 0.00 ~m;nnn~ S1 Debt Ratio: LC Debt Ratio: S1 Proj Debt Ratio: ;::;::;23 Original Application Factors used in Automated Decisioning Housing Pmt: ;: :;:;::::;::200 Other Expenses: t:.:.; .:.•' '~~' ~' VII Total Monthly Adj: `.~. ~.~.;'~.. ~~..;'~..'~..;'~...'~.;~'~.. ~~..;'~.'~.;'~.'~.;'~. 0 LC Proj Debt Ratio: ;.'~'~.;'.'~.~''~.'~.;Q Housing Pmt: ;::;::;::;::'::200: Total Monthly Adj: Monthly Income Summary Gross Income: '::'::;:;;::;;:;2133: + OTlBonuslCommission: + Other Income: =Individual Total Income: '::'::;::;::;2133: Combined Income: ':~::':;::;;2133: Total S1 Pmts: '::; ;::;::486: Application Loan Pmt:::; :;:;: :286: Total LC Pmts: Other Expenses: ;'~.'~.;'~..'~;'~.'~.;'~.~ Application Loan Pmt: '::':::;::;~:286: LC Proj Debt Ratio: Total LC Pmts: Ratio: Revolving Debt Housing Debt: Total Revolving Line: Net Disposable Debt: ;::;:;23 Residual Income Summary Total Income: ':::':;:;::;2133: • Residual Adj: -Total All Pmts: '::;:486 =Net Residual Inc: ;::;::;i ; ;1647: Net Disposable Income: '::'::; ;1647: Product: DL • Direct Loan -Vehicle loan (23) ~~' ~~ •... ..........................................:..:E ..:. # of Payments: ;::;72 Payment Penod: ;Monthly TotalAmount Financed: ;::;::::;17000.00 Total Collateral Value: ;::: :;;::;;D.00~ Combined LTV: ~ Estimated Payment : :::::::::::: 285:77: Total Debt with Us: ':~:: :;17000:00' Current System Decision/Recommendation: Non•Decisiori:::;:::~: Debt ! Income Summar Borrower Income Pmts D:I Pri D:I (GOFFJR, PAUL I __ _ 2133.0 486.00 9~ 23 :•~.: i ;Manual Loan Number • • • • Loan Date: 051231200E :;Q • :R.:A.i ..................... Loan Number: ~ Suffix: Disbursement Date: 051231200E :;~ Reported Amount : :::::: :::::::: : 0.00 Maturity (Due) Date: 05l23l2012'::'~ Primary Collateral Code: (Vehicle loan `iia Down Payment : :::::::::::::::;:;0.00; FundsRequest:(New i%j New Funds Amt: ;::;:::;17000.OQ ... ........ SR.:I:. ....... .... Payment Type: Installment :;~% S...t.iR Interest Accrual: Actual/365~~y~ Payment: ;::;:: ;::285.77: Total Requested Amount: '::'::'::'::':17000.00 Interest Rate: ; 6.49000: Final Payment: ;:: :::::285.52: Loan Amount: '::::'::':::17000.00 .... ................. ..:.:.:.:..........: Maximum Term: :;::;:;::; 72: + Total Financed Fees::::;::; :: :::::::::::0.00 + Total Financed Insurance: ':::'::; :'0.00 ........ Interest Rate Lookup: •: • • =Total Financed Amt: '::'::::::':17000.00 I .............. ::•Caleulate:• •.:.:.:.:...........: • Use :Decision party;<:' rate. . • .. • • • Rate Type: ~ fixed ~~ '. Lock :rate. Rate Lock Date: ::: T lnrrenvritino Review 3/05/2007 3:34pm -Page 4 of9 Decision Party: Applicant GOFFJR, PAUL E (198.64.0071);•:;;;:;• Application Score: :186' Cutoff: ;:195: ..--< Credit Life Selection: None -~::~': Plan: ': ~~ ~ ~~~~~~~~• - ~~ ~ -~~~~---- ..... .. :........................................ Disability Selection: None •~: Plan:.:' ••~' Coverage for: Applicant~GOFF JR, PAUL. E (198.64.0071 J ~ ~ ~< ..... .....:~:.wc Credit Life (Decreasing) nsured Amount: '::': ~ ::::::::::':0.00 Credit Life (Level) ::::0.00 Disability Premium Paid in Cash:: ::::0.00 ont y ene it: '::::'::'::':~:::':O.OQ .....:........0.00 .........:.....0.00 .... remium: ' :::::::::::::::0.00 ............. ..0.00 • • • • • ::::::.O.OQ y ........... ost er a :'::::::::::::':::0.00 '::.: •: •: •: •: •::• ............ • .........0.00 ...........0.00 .::': ~'::'::.. • : •: •: g ....... :....: .: .: .: ~ End Covera a Date• .::.:.:.:.:.:.:..: :.:.:...:......... :.:.:.:.:..::.:.:. ...........; .; ;...~ •.:.:.:..::.:.:.:. ; ,. ;.:; .; :.... . ..........:..::: di overage Term : .....:.:.::::::::: 0 •::.:.:.:.:.:.:..:: .................. Q •::: •. ; .; : ~ ::':::'::': ~ ::' 0 Date Interest Princi al Balance Pa ment CL Prm Dis Prm 06/23/2006 93.70 192.07 16,807.93 285.77 0.00 0.00':::::: 07/23/2006 .................. 89.66 ................... 196.11 ...................... 16,611.82 ................... 285.77 .................. 0:00 0:00;::;.:;:: 08/23/2006 .................. 91.57 ................... 194.20 ...................... 16,417.62 ................... 285.77 ................ . 0:00 0;00;:;::;:: 09/23/2006 90.49 195.28 16 222.34 285.77 0:00 0;00;::;:;:: 10/23/2006 .................. 86.53 ................... 199.24 ...................... 16,023.10 ................... 285.77 .......................... 0.00 ............ .... 0.00':':::: . . : : : 11/23/2006 .................. 88.32 ................... 197.45 ...................... 15,825.65 ................... 285.77 .......................... . . 0.00 .................. . ....... . . .. 0.00':::::: .... : : : 12/23/2006 .................. 84.42 ................... 201.35 ....................... 15 624.30 .....s............. 285.77 ......................... 0.00 .................. ...... . . .. 0.00'::::':: . . . : : : 01/23!2007 86.12 199.65 15 424.65 285.77 0: 00 . . .... . . . .. 0:00;::;;: 02/23!2007 .................. 85.02 ................... 200.75 ....................... 15,223.90 ................... 285.77 ............... . 0:00 0:00::;::; 03/23/2007 .................. 75.79 ................... 209.98 ....................... 15,013.92 ................... 285.77 ......................... 0.00 .................. 0.00'::::':: ....... : : : 04/23/2007 .................. 82.76 ................... 203.01 ....................... 14,810.91 ................... 285.77 ............... . 0; 00 ... . . .. 0:00;::;::;:: 05!23/2007 79.01 206.76 14 604.15 285.77 0.00 0.00;:;::;:: 06/23/2007 .................. 80.50 ................... 205.27 ....................... 14,398.88 ................... 285.77 ................ 0:00 .... . ........ 0.00':::::: .. . : : : 07/23/2007 ................... 76.81 .................. 208.96 ....................... 14,189.92 ................... 285.77 ............... . . . 0:00 .... ... . . .. 0:00;::::;;: 08/23/2007 ................... 78.22 .................. 207.55 ....................... 13,982.37 ................... 285.77 ......................... 0.00 .................. 0.00'::::':: ...........::..:. APR: :;::;6.49000 Inter est Payments: ;::;:: :;1.51' - • 93.70 # of Interest Payments: ;:: ::::::::72 Total Interest: '::'::::':::x:3575.19 Total Payment: ;::;:: :':::20575.19 fsfiiiti4;roitiz~tip~;:•::; ~: ;: ; •:::Pr~nf Caleiafa~roi7 ~ 5urriifiary: ~ Number of Pmts: ;:::;72: Pmt Period: Monthly •.'.':~ 1st Payment Date: 0612312006::•: End of Month? 'art State :: ............. `r: .~...:: ....:................... ...... .......... :::::::: .......... :< :.....:...:.:.:......:...:...:.:.:::: ..:.:.:.:.:: :..::.:. ., :< ~~' ......................................... . ..... :.:..::.:..::.:.:.:.:.....::.:.:.:.:.:.:.:. :..:.:.::.:.:...:.:..::.:.:.:..::.:.:.:.:.:.:..::.:.:. .. ... ............ ;!Naivi::: DecisionlRecommendation: Non-Decision ::::::::::::::: Decision Party: System:::~ :~~:~~ ~ ~:":~ 05123!200612:41:11:: .......... ....... _ Decision Based upon: Applicant GOFFJR, PAUL E (198.64:0071) ::::::::::::::::::::: Review ApprovalsBe1ow: ;:1B5: Application Score: '::;:186: Cutoff: '::;:185: Review DeclinesAbove: Reasons for Review: _ ..: _:.... Non-Decision- No LiquidCredit Projected Debt Ratio~~ (PAUL GOFF JR) ~(Experian 05/23/2006~~~ :`~~~ ~~ ~~?~ ~:` ~: ...::.:.:.:.: ......:..::.:.:.:.:.:.:.:.:.:..: Decision: Approve•::•::;:::•::•::•::::• Current Status: rchive•:>::•:::•::•::::•::•::•::::•::::•::•::•::•::: ..................... ............ Underwriter: LGOSS:::•::•: ~::::•::•:::•::•: ~:: 05/26/200609.12:48::::: Max Sys Approved Amt: ':::~:::'::':O.OCf ................... Reasons to Override: •:: Stipulations ::............................................................... . ......................... . .....:............. ............. :.:..::.:..::: ~:1/.jisw': :.:.:..::.:..::. :x :'7acc • ~ t::411•; .< Reason Field Label Value Member Code 0 Current PSLV LOC If HELOC, immediate adv amt 0 I De osit roceeds into S1 or S4 `XNET,XNETRE,XPHONE,XPAPRE, 2FLK1 Disclaimer Answer AYES or OYES AYES member re uested # of a menu 0 Type: All :w~ General LGOSS::::~:::::::::::~ ~~ ~~ ~~~~ ~~ ~ ~~~:;: ::;:: :;: :; :; :;:;::;: : :;: : : ::;:::;:;::;::: INCOME VERIFIED:;:•::•::•::::•::::•::::::•::•::•::•::•::::::•::•::•::•::•::•::::::•::•::•::::•::•::•::::•::•::::•::•::•::•::•::::•::::::•::::::::•::•::::::•::•:: .................................................................................................................................... 05123!200612:58:46 Review M DAVI S::::::~:::;::;::; :; : :; ::::::::::::::::::; :::;::;: ;::;: ::;::;::; : :; ;::; :; :::::;::; :; . .. MANUAL DEBT RATIO 22%::•::•::•::•::•::•::•::•::•::•:::•::•::>::•:::•::•::•:>::•::;:•::•::•:::•::::•::•::::•: ~::•::•::•: ~::•:::•::~::::~:::: ~:: VF R I FY I N f:fl M F ~:• ~::~ ~ ~: ~: ~:::; :::; :; :,::::::; :,::: ~::~ ~: ~: ~::~ ~: ~: ~:; :; :; :::; :•::,::; :.:.':: :::; : :::•::; :::::; ::::::::: : :::•::; :; • . EX~IlBIT `B" Penns lvania StateFmployees Credit Union C, .> ,.7('r;f A .rn~. ;; q, Pl ,-. __ 'C't3 O i'7?)?3•J F.Jc"•; riarrsb.: i&:?; <?7-'_;'F .~rf, .. ... the financialliri<, Loan Disclosures Ths LOANLlNER` Credit and Sacunhr A~r;£arertL whl~i~ includes !'r~ Truth in tending Disclosures, ~+•.II be refaced tc s the Ptan. Tie Plan ducum.,nts incl;:da the agreemar~t and an Addendum. You, your and borrower mean any person vrha signs the Plan. Credit union, we. our and us mean PScCU or anyone to whom iha Cranit Union transfers its rghts under Ihi; Ptan. NOW THIS PLAN WORKS -This is an open-end, muiti•featured credo plan. +P:e anticipate that, from lime to lima, you vJiii borrow money trailed "advances) under the Plan. We are not required to make advances to you under the Pian and can refuse a request for an advance at any time. The Addendum descrit?es the dcftereri types of creelii (called "subaccounfs") available under the Plan, the current interest rate for each subaccount expressed as a daily periodic rate and corresponding annual percentage rata and other charges. It may also have ether terms and a schedule tar determining the payment a:noi,nts. CREDIT LIh1R - We may, but do not hava lo, establish a credit limit on carla:n subaccaunts. If a credit limit is set for a subaccount, you promise riot to exceed the established credit limit. tf you exceed iha credit limit, yon promise to repay immediatey the amount which exceeds the credit limit. REPAYMEM -~ You promise to repay alt amounts you owe- under the Plan plus interest. Payments are due on the last day ct the month unless we set a diKorenl day at the time of an advance. tf the Addendum has no payment schedule tar a subaCCOUm, your p,•tyment will be determined at the time of each advance. Payments must include any amount past due and any amount by which you hava exceeded any credit limit you hava been given tar a subaccount. You may repay all or part of what you owe at any time without any prepayment penalty. Even if you propay, yvu will still be required to make the regularly scheduled payments unless wa agree in writing to a change in the payment schedule. It you have a joint sharedratt account, you.will be responsible .tor paying alt overdraft advances obtained by a joint t+okler of the sharedraft account. Unless atherw+se required by law, payments wiii be applied to amaunts owed under the Plan, in the manner the Credit Union chooses. PLAN ACCESS -You can obtain credit advances in any rrt<-tnner authorized by us. If we altaw you to use yIXir ATh4/Debit card to arxess iha Ptan, you may be liable for the unautrorized use of your ATMs/Debit card. You will not be liable for unauthorized use that a-curs attar you notify us, oratl}r or in writing, of the bss, theft. cx possible unautiwrized usu. II you believe your ATM/Debit card has been lost or stolen, immediately eitorm the Credit Union by calling or writing us at iha telephone number or address that appears elsewhere in the Plan. If iha card is used to obtain unauthorized advances dlri't:ity from the Pian, your Lability wiii not exceed SSO. it the unauthorized withdrawal is from a SttaredraR account, your liability is governed by tl~o Regulation t disclosures you received ai the time yrou received your ATMiDebit card, even it the withdrawal results in an advance being made from your oti~ardraft subaccount. FINANCE CHARGE - Ttte dollar amount you pay for money borrowed is Gaited a finance charge' and begins on the date of each advance. A finance charge wilt tae computed separatety for eaGt separate balance under iha Plan. To compute the finance Charge, the unpaid balanca for each day since your last payment (or since an advance if you have not yet made a paymerq is mulNpliod by the apolirabie daily periodic rata. Tha sum of these amounts is the finance charge owed. The balanca used to compute the iinance charge is iha unpaid balance each day after payments acrd credits to-ttraTllaharrce"have been subtrar,~ted and any addiiiens to' the t±alarr:e have been made. In addition to interest. we may chargo other finance charges whicn are disclosed on the Addendum. Ii the interest rate is a variable interest rate, the Addendum explains how the variable interest rate works. SECURITY -Yau pledge as security for the Plan all shares and divitlends and, it any, ati deposits and interest in ail ja'snt and individual accounts you have with us now and in the future. if a specific ,1olL3r amount is pledged for an advance, wa will treaze shares in that account to the extent of the outstanding balance for the a£hance. Otherwise, your pizdged shares may be vrithdrawn unless you era in dafauft. The following paragraph applies in alt states except in Ohio, Rhode Island and Massachusetts:YJe have a statutory lien on the shares and di:der.Ca and. if any, the deposits and interest +n ail individual and joint accounts you have with us aced may exercise our rights under the lien to the extent permitted by state law. (VL'e are state chartered i} our name does rot include the term `Federal Credit Unicn") For all borrowers:The statutory lien and/or your pledge wiii allow us io apply the funds in your account(s) to what you owe when you are in default. The statutory !yen and your pledge do not apply to any Ind:v:d=tai Rat"r;amen! ACCGU.^•t or any other accou:.t that would lose special tax treatment under stare or `edaral law if gPt _ n as sCCUrity Additional secuny for the Plan may be required at the time of an advance. It a subaccount identities a type of properly {such as "New Cars') you mist gr:a that type of pro;:orty as security urban you get an advance under trot subaccount 4 subaccount Hama such zs 'Omar Sacurad"' mews you ntusl ; re•~idc; si:curay acceptable to us urban you obtain an advance under t'r,at subaccount Properly y~., give as security •nI!I secure all Ta.:nts rr:_=d under s••a Plan ann a":I otter tear hava .vQh US npp; nr ~n L13 tutor J. e•x.•'}.t atrr l0a^ Sc t.urC:i ^Y ACC;~ f.r~n:.i~,31 it.: Property securing GInEr IG3:":3 y^,r ha'.e ~. ith ~~~ nli3y x150 SE',C,rr~ I/ P P:irt CREDIT INSURANCE -Credit b1e and:.r credo dsabilrty insurance rs optional under the Plan. It you quah!y tar and p+uchase iha insurance from us, you authorize us to add the insurance premiums morihly to your loan balanca and chargo you interest on the entire balance. if you elect credit insurance, your payments may increase or the Getiod of lime r.eCessary to repay year advance may be extended. Tho Credit insurance rates may change during the flan. It the tales change, re well provide any notices required by applicable taw. PERIODIC STATEMENT- On a regu~ar basis you will receive a statement showing all transactions under the Plan during the p.?rind corered by the statement. Statements and notices will ba 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. JOtN7 ACCOUNTS - If this is a joint account, each of you i5 individually and jointly raspansihie for paying all amounts owed. Thal means we can enforce our rights under the Plan against any one of you individually or against ail of you together. }t you give us inconsistent instructions, we can refuse to follow your instructions. Unless our written policy requires aft of you to sign for an advance, each of you authorizes the ether(sj to obtain advances individually and agrons to repay advances made to the other(s). Any joint accountholder may terminate the Plan by giving us prior written notice. tt any of you terminate the Ptan. Iha Plan is terminated for all of you. You remain liable individually and jointly for all advances incurred before termination. FEES AND CHARGES - If you give us a security interest in certain types of property, •.ve may charge you a filing tea to perfect our'(nterest in the property. It we do, the amount of the tee wilt 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 teas era disclosed on the Addendum and wilt bs added to your loan balance unless you pay them in cash. UPDATING CREDtT INFORMATION -You promise that you will promptly give us written notice i1 you move, change your name or emptoyrnent, or it any other information you provided to us changes. Upon our request, you also agree to provide us updated financial information. DEFAULT -The loilawing paragraph applies to borrowers /n Idaho, Kansas, Maine and South Carolina: You will be in detauit if you do not make a payment of the amount required when it is due. You will also be in detauit A we believe the prospect of payment, performance, or realization on any property given as security is significantly impaired. The lallowing paragraph applies only to borrowers to Wisconsin: You will be in default if you fail to make a payment when due hvo times during any 12 month period. Yau wilt be in default if breaking any promise made under iha Ptan materially impairs your ability to repay what you owe or materially impairs the condition, value, or protection of or our righ~in any property you gave as security. The following paragraph applies only to borrowers in Iowa: You will be in default if you are more than 10 days late in making a paymani. You wiU also be in default it you do not comply with the terms of the Plan and your failure to comply matariatty impairs any property you gave as security or your abil+ty to repay what you owe undar the Plan. The following paragraph applies to borrowers !n all other states: Yau will be in detauit it you do not make a payment of the amount required when ii is due. You will be in detauit it you break any promise you made under the Ptan or it anyone is in default under any security agreement made in connection with an advance under the Pian. You will be in default it you die, file for bankn,ptcy, become insolvent, if you make any false or misleading statements in any credit appfcatian or update of credit information, or if something happens wo believe may substantially reduce }roar obi{qty to repay what yea owe. You will be +n default if any property you have given us as security is repossessed by someone also, seized under a forfeiture ar similar law, or ii anything else happens that signifiaantty aitects the value of the property or our securi±y interest in it. You will also be +n default under the Plan ii you are in default under any other loan agrcerrrerrt with us. ACTIONS AFTER DEFAULT -The following paragraph applies to borrowers in Colorado, !)!strict of Columbia, Iowa, Kansas, trtaine, Massachusetts, ,Lttssourl, Nebraska, South Carotins and West Virginia: When you are rn default and after expiration of any right yrou have under applicable state law to cure your default, we Can demand immediate payrner.t of the entirr:• unp~:d ?valance under the Pian wdhout giving you advance notcu. The following paragraph applies to borrowers In all other states except Wisconsin and Louisiana: When you are in delautt, we can require immediate payment (acce:erdon) ct B:e entire unpaid balance under the Plan. You warve any right you have to deman.j for payment. notice of intent to accelarak~ and notice of aCCeloration, The lotlowing paragraphs apply to burrowers in ail states except Wisconsin and Louisiana• II Immedia!e payrr,enl is derna.^.:ed, y4J :'rli continue to pay irtorest anti! ; e r,a~ bean repa+d ul ;f,£. ap;:iic:.:,:e vacrest r~:rs rn e`+ect or, d app'rcab e. I ,r :..:_ 1 PS L _ is yvu . -,!i,n~ v+hatwhat you ow 1~ICJI~1~_.___ • LOANLtNER' Credit and Security Credit Apreemert (continued) t tie dC~aui[ r3iB vv^Sd~CScC ', t : ..::d;7_t 7.._ tl.:' a r:_^l:a^ -..r ad?' :~1~3.. .r ~i "..8„! hr-s been made. y~~.,r sharES ':5~td-c: d~p•JS:;S :'.-:n ~.. _:>p',,~i tr.:::;:rd:; •:.haS yo.i ;.wet eS ; route ;'1 1 r:r; soc;ior. ,....,~.: c~ . a'au _. :... 'r ti :.<... ,.1-. ., .. .. .,_ i,,,y .,;h... ngt;t; given by la:v r:hen you era , . dEta::~t Yu:; agfi:8 the Credn Unio,t 3s' ~ ri,"..._ t.=.~.; w__SS:~ .. r;; 2p~_ ;y arYen ,,"55 SeCUr:iy Un,er :he f'ta r', w~I:.J4t l'1..tC:a~ pri .,c.S-, ^} tr.. _, Cln t; ~.: t,On. ','/: ti1J~~. breach of ti-,e pea,a. it :.? ask, yo+r p:o:nlsa Ic doii:r t`:a , rcp<;rty at a time and p}ace 4vE Choose. f! the prcpEry is a mtcr veh~C'S cr ooat. you agree that w? may obtain a key or othEr de.vica necessary to uNoc', ant? operate it, wr.,~n you re in dEfault. We will n•at be resa~onsib:e to any oti':ar property, not cover:;d by this Agreement. that you leave insioa :r:r, praparty o: tttat ~s attached io the propErry. W wi!1 try to return ;hat property to you or make it avslat`JIE ter you to c~a~m After wa have possession of the property, we can soli it and apply Iha moray to any amounts you owe us. N!e wilt give you native of any public cisposuron or the date after which a private disposition wiu be 'told. Our expanses tar taking possession of and setting the proper f wits be deducted from the moray re?;eived tram the Baia. Those costs may include the cell of storing the property, preparing it for saga and attorney's tees to the extant permitted under state i•nv or awarded under Iha Bankruptcy Code. You must pay any amount chat remains unpaid after the sale money has been applied to any unpaid balance under the Piv?.Ybu agree to pay interest an that anieuni at the same rate a5 the advance, or, if appiicab!a, at the datault rate dsdosed Cn the Addendum, until brat amount has been paid. The following paragrnph appfles only to Wlscortsin borrowers: When you era in default ar•.d after expiration of any right you have under applicable state law to cure your default, wa may require.immtydiaie payment of your outstanding lawn balance under the Plan and seek possession of property given as security. Ybu may voluntarily give the property to us if you choose, or we may soak to take possession of Iha property by judicial process. If we repossess the property, you agree to pay reasonable expanses incurred in disposing of Iha property If the property is a motor vehicle, mobile home, trailer, snowmotrte, boat or aircraft, you will also be required to pay any casts permitted by Section 422.at3 of Iha Wisconsin Statutes. You must pay any amount that remains unpaid altar [he sale money has bean applied to what you owe under the Plan. You agree to pay ineerest an any unpaid amount at Iha same rate as the advance, or, rf applicable, at the detaud rata discbsed on Iha Addendum, until That amount is paid. If the property is located outside Wisconsin al Iha time of delauft, wa Wray lake possession of th8 property without judicial process, if permitted by the state where the property is located. The failowfng paragraph applies only to Louisiana borrowers: When you are in default, we can require immediate payment (accalaration) of the entire unpaid balance under [he PIan.You waive any right you have to demand for payment, notice of intent to acceterate and notice of accetaration. 11 immediate payment is damartded, you will continue to pay Interest unfit what you owe has been repaid at Iha appticabia interest ratan in effect unless a default rate a disclosed on the Adctendurrtr t- a demand for imrrrediate payment has bean made, the shares and deposHs gi:ren as security for the Ptan can be applied towards what you owe. Wo can also exercise any other rights given by taw when ycu era in default and our rights under any securfty agreements you have with us. CANCELLLNG OR CHANGING THE PLAN -The following paragraph applies only to borrowers !n fllfnols: Wa have the right to change the farms at the Ptan from lima to time after giving you any advance notice required by law. Any change to the interest rate or other charges will apply io suture advances. 77te failoWing paragraph applies only to borrowers in Wisconsin: Wa can change the farms of the Pian from time to Lima in accordance with Section 422.415 of Iha Wisconsin Statutes. Yau wifi fie notified of any chango in farms. An increase in the daily periodic rate under a variable rata interest rate is not considered a change in farms under the Plan. Wa can cancel the Entire Pian or any part of tt,o Plan at any lima. You may cancer the Plan at any time by giving us prior written notice. Your obligation to pay the unpaid balances under the farms of the Plan continual whether you or the credit union cancer the Ptan, except to Iha extent That your liability is frnitad by Section 4224155 of Iha Wisconsin Statutes. Tha following paragraph appfles only to borrowers In lows: We can change the terms of Iha Ptan from time to time after giving you any advance notice required by law. A change that increases Iha rata of finance charge cr other charge, that increases tt?e amount of your payments, or that athrnvise adversely alfacts existing balances will apply fo existing balances cn!y if you agree to the change or you use the Plan after receiving Halite that your use of Iha Plan means you al;r?a the change applies to existing balances. The following paragraph applies to borrowers in elf other states: We have tt?a right to chango Iha farms of the Plan from time to tuna abet giving you any advance native required by law. Any change in the interact r :a wi8 apply to future advances, and a1 our discretion and subject to any requi:an,ents at applicab'e taw, unit also apply to unpaid balances. The following paragraph applies to all bur Wisconsin borrowers: An inor~asE rn tl:e deity peno•oic rate under a v?riab!a iratsraSt ra?a is r.~t ccnsidarad a change .n tams under the Plan, v":e can Cancel the anti2 ..°'an ar arty part a'. ;ire Plan at any lima. You may cancel :`:a r Ian at any I:ma try Qr.+:nd E:5 prier wrdt?n notice. Your ebfgation to pay Iha unpaid beta^ces under the tarrtt; o! t.^.z f%la•; wontrrt~„es 5•~hc•t^:er you or Iha Credit Uniort can_~i i'1° Fier:. DELAY IN EtiFORCING RIGHT5 AND CHF.NGES it1 TttE FLAN enforcing any of oar r.~his :, ~':.r ;t.-s P a^ :u'~ r i .. .. :f ..:: , .. • uharty to s-.u•C~sti' GE:; riCi•.'S '::e( ';'f@ C~.^. r,'1t Jf C: ~~ (tn~ P H^ E:yd!r,51 y'Ot;r hE~rS Of 'Cat :E?pr.. mac. t.a.-.'c•S If -.4R f_r- !.' :I ta, "r., ~~-vl Pian. y'`J a'y'i'., , ll :(1:3 Flan v::H C.Cr4in~E LO prO:ECt '~_, CONTINUED EFFECTIVENESS -',i . p:. (c! , s r,an _..ir., .•m n•:d ~y a r.~urt t0 be .. r:pn`OtCeat'ile, Iho .ESt rr•'.' . ~rnair: ;n :, ~;CI NOTICE TO UTAH EiORROVlERS - fray v;rltten d[)r~derrtbnt is a `•me! Expression of t :e agree:•lEnl b:ihf:eon you and L':e Crea t Unicr, This wraan ;:greernent tray rot he contradicted by av~denr:a ct any oral agret:m4nt. The lotlow•ing is required 6y Vermont la5v -NOTICE TO CO-SIGNER -YOUR SIGNATURE ON THIS NOTE tAEANS TNAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER ODES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. The following paragraphs apply if you give security in connection with an advance under the Plan. they apply to borrowers (n 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'). Tha security interest you give includes all accessions. Accessions are things which are attached to or inslatled in the property raw or in the future. The security interest also includes any replacements for the property which you buy within t 0 days of the Advance or any extensions, renewals or refinancing of the Advance. It also includes any money you receive from selling Iha property or from insurance you have on the properly. if the value of the property declines, you promise to give us mare propsrly as seCUrihtr it asked to do so. WHATTHE SECURITY INTEREST COVERSICR0SS COLLATERAL PROVISIONS -Tha security interest secures the Advance described in Iha receipt, voucher or any other document you receive at tlye Lme of the Advance and any extensions, renewals or refinancings o11he Advance. it also secures any other advances you have now or raceivts In the suture under the Platt and any'. other amaunts or loans, including any credit card loan, you owe us for any reason now or in the luture, except any loan secured by your principal residence. If Iha property is household goads as defined by the Federal Trade Commission Credit Practices Rule, the property wifi secure only Iha Advance and not other amounts you owe. OWNERSHIP OF THE PROPERTY -You promise that you own ail property you give as Security or if the Advance is to buy rho property, you promise you wilt use the Advance for that purpose, You promise that na one else has any interest in or claim against the property that you have not already told us about. You promise not to sail or lease the property or to use N as security for a loan with another creditor anti{ Iha Advance is repaid. You promise you will allow no other security intarast or Tian to attach to the property either by your actions or try operation of law. PROPERTY INSURANCE, TAXES AND FEES -You must maintain property insurance on ail property that you give as security under the Pian. You may purchase the property insurance from anyone you choose who is acceptable to the Credit Union. Tha amount and coverage of the property insurance must be acceptaf>le to us. You may provide fhe property insurance through a policy you already hare. Or through a policy you get and pay for. You promise to make the insurance policy payable to us and to deliver the policy or proof of coverage to us ii askod to do so. it you cancel your insuran5~ and gat a rotund, we ha`~e a right to the refund. if the property is Post or damaged, we can use the insurance settlement to repair the property or appy it towards what you awe. `rbu authorize us to endorse any draft or check which may be payable to you in order for us to collect any rotund or benelits due under your insurance policy You also prcrnise to pay alt texas and lees (like registration tees) due on the property. If you do not pay the texas or trees on the property when due or kr~p ii insured, wa may pay these obligations, but we era not required to do so. Any money we spend for taxes, teas or insurance wifi ba added to the unpaid balarx~e of rho advance and you will pay interest on those amounts at the same rata you agrEed to pay on the advance. We may recai4re payments in connection with Iha insurance from a company which provides the insurance. VJa may monitor our loans for Iha purposE of determining whattx3r you and other torrowers Nava ctxnpliEd with the insurance requirements of our loan agreements o: may Engage others to do so. Tha insurance charge added to an advance may include (I) the insurance company's payments to us and (21 the cost of determining compliance with the insurance requirements. if we add amounts for tares, fees or insurance to the unpaid balance el an advance, wa may inaease your payments to pay Iha amount added within Iha term of the insurance ar approximate farm of the ad~rance. INSURANCE NOTiGE - If you do not purchase the required property insurance, Iha insurance we may purchase and charge you tar wiJ cover only our intarast in the property. The premium for Iha insurance may be higher because the insurance company may nave given us the rigttt to purchase insurance after uninsured collateral is Icst or damaged. Tha insurance wilt Hai be liability Insurance and wiii not satisfy any state financial responsibitity or no fault laws. PROTECTING THE SECURITY INTEREST - It your state issues a Gtie for the property, ycu promise to havE our seventy :ntarESt sr:own on the title. Nle may Nava to tEa v;hat is called afnancing =tatemard to protect cu: s-tarty +merest from the claims of cth rs if asked to do so. ycu pr;;;nise to sign a financing statement. Yeu alb,^, pro:7;sE to do whatever else we think is .necessary to protect our security t •- ~n y. You prom; ru to pay a'i ce_ts. rr,cluding but not limited to any r ;n proe~er:r.3 E;'„r src:eriry interest end r:gnis rn tl',e prop.-;rt'y. 1 by a. • ~.t;. c 1....- .n,e: cnt m ...e p: ~r,er, - ~...., , dola'y actor. -;y .,a, ,., n.,u , ~.:: u~, .n t a to ,he,e, _. 1 r,: , Jt:ac • LQANLk'JER°` Credit wad ~ccurity Crgpir Aircemert (centirtcedJ pr: 11?y :.,r . 1 -.JI ' .'.,ra ?J ri-!l:r:; .- .~ . .r . ,-d~!r ,,:.~ y:;ar ii: pri5p^ and; pr a USE OF PROPERTY - Ur;; i! i ,, .,.,1.a!'•: - ; _; b~~:: pa.d C.'. yon prt)c: Sr y , :.:il ill L,'s_ lh,; p cpar'y C.. c.. ... °.Er. ? =lJ d ..~].~ ~} ?')t3 o;r ."1 r.;.r. ~~ rr1^~557On .. t. -~, <. „ -.4i..,rJ :~ _...~n~p;> ,., .. C ~~~ ~ ty J .t .. :~iHC 'f E 9i"i."'r>5 .a'ErF, the p%opar?y !S i•.ep! (3l !n'J~T u, in ~st,,. ~y b:.fore :;harginq yo"r address. , r; o~.r c.:- ?d ;nSD(:Lt :. pp„er 7 ~+ Pry „i, ,!?r us II'. ,;r.. -rl, d3Ta_~"d~ S:O~eH Or i...4-... J. ~+C. US;. , .c F. r,ni i .. ''! ~ .'?.. ,I r-. ,- '' P'O+ !^ r. .. ..Jp?r:y in anOt!:2r Sta!B .:~ff'.JU? :u.'irig US t;OTICE TO NORTH DAKOTA BORROWERS PURCHASING A rtOTOR VEHICLE - THE t.iOTOt-i L'cHICLE :tJ l'HS TFiArasAGrlOr; tw AY BE SUB.;ECT TO r^,POSSESSGN. IF tT IS REPGSSESSED AhJD SOt.D TO SOt.1EONE ELSE. ANO ALL AtvtOUNTS DUE TO THE SECUFED PARTY ARE NOT RECEIVED IN T}it1T SALE, YOU hdA'y HAVE TO Fi+Y THE DIFFERENCE. NOTICE FOR ARIZONA OWNERS OF PROPERTY - It is unlawful to you to tail to return a motor veizlcte that is subject to a security interest, within thirty days after you have received notice of default. The notice will be mailed to the address you gave us. ti is your resporsibility to notify us it your address changes. Tne maximum This netica contains important information about yaur rights and our responsibiktias under the Fa"sr Cred+t Billing Act. Yau era advised to read your monthly statement and review it for any error discrepancies or unauthorized Transactions. NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT. If you think your statement is wrong, or it you need more information about a transaction on your statement, write us on a separate sheet at the address listed on your statement. You are required to notify us in writing within 60 days following ttte date on which we sent your statamanl wherein Iha error or problem lust appeared regarding any discrepancy or unauthorized transactions on ycur account. Failure to notify us may result in your acceptance of any responsibility for payment or reimbursement io us for any such error or discrepancy on your accaunt. Write to us as soon as possiblo. You can teleohona us, bu! Coing so will nut preserve your rights. to your letter, give us the following informaton: You+ name and account number. The dollar amaunt of the suspected error. Describe the error and explain, it you can, why you believe Thera is an error. tt you Head more information, describe the item you are not sure about. It you have auihori: ed us to pay a credit card account automatically Irorn your share account or checking account, you can stop the payment on any amount you think is wrong, To stop the payment your latter must reach us three business days before the automatic payment is scheduled to occur. YOUR RIC.,HYS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRfTTEN NOTICE - We mus! aGcnowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct iha error or explain why Nre believe the statamanl was correct. For those members vrho purchase a vehicle under the DRIVe Program, p-ease review the follovring FTC Notice: r~ojic_E ANY HOLDER OF THIS CONSUtv1ER CREDIT CONTRACT IS SUBJECT TO ALL CLAIA4S AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. ARer we receive your letter, we cannot try to collect any amount you question, or mpori you as delinquent. We can continue to send statements to you tar the amount you question, including finance charges, arxf we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount white we are investigating, but you era still obligated to pay the parts of your statement that are not in question. N we find that wa made a mistake on yaur statement, you wiN not have to pay any lnance 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. ]n either Casa, we will sand you a statement of the arnoun! you owe and iha date that it is due. li you fait 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 tan days telling us that you still refuse to pay, we must tell anyone vre report you to that you have a question about your statement. And, we must tail you the name of anyone wa reported you to. Wa must tall anyone we report you to that the matter has been settled between us when it finally is. II we don't fallow these rules, we can't collect the first $50 0l the questioned amount, even it your statement was correct. SPECIAL RULE FOR GREDtT CARD PURCHASES - if you have a problem with the quality of property or services that you purchased with a cradfl 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 dire on the property or services. There are Mro limitations an this right: (a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and {b} The purchase price must have been more than X50. These limitations do rtot apply it we own or operate the merchant, or it we malted you the advertisement for the property or services. to this Agreement, the words you and yaur means each and alt of those who apply Line only try written application to us, which must be approved by our credri committee for the card or who signs This Agreement. Card means the Visa Credit Cartl and any or loan otticer. By giving you written notico we may redude your Credit Line from lima duplicates and renewals we issue. Account means your Visa Credo Card Line of to time, or with good cause, revoke your card and terminate this Agraemartt. Good Credit account with us. We, us, and ours means this Credit Union. cause includes your failure to comply with this Agreement or any other agreement with f. RESPONS#BIL47Y-!# wa issue you-e card: ySU-agree to repay ekdybls arx} ttHS u~ .21 ogr gdvergt? reev~((t#atlQA.OI.YOUr Creditworthiness. Yau may also. terminate this Finance Charge arising from the use of the card and the card account. For t:xampla, Agreement at any Time, tx~t termination by wither of us dons not affect your obligation you are responsible for charges made by yourself, your spouse and miner children, to pay the account balance. You are also responsible for charges made by anyone else to whom you give the ~ 5, CREDfT INFORMATION -You auUlorize us to investigate your credit standing card, and ittis responsibility continues anti( the ward is recoverad.l'ou cannot disclaim when opening, renewing or reviewing your accaunt, and you authorza us to disGose responsibility by notifying us, tyut we will close Iha account for now transactions if you !information regarding your accaunt to credit bureaus and other Creditors who inquire so request and return aft cards. Your obligation to pay the account balance continues j of us about your credit standing. ` even though an agraamert, divorce decree or other court jtadgment to which we are + 6. MONTHLY PAYMENT - We wilt mail you a statement every month showing your Hai a pa.^ty may direct you er one of the other persons responsible to pay the account. I Previous Balances of purchases artd cash ad~nnces, the current transactions on your I The cards remain our property and you must recover and surrender to us all cards account, the remaining credit availal~a under your Credit Lina, the New Balances of upon our request and upon termination of this Agreemor;t. purchases and cash advances, the Total Nt*w Balance, the Finance Charge due to date, 2. LOST CARD NOTIFICATION - It you believe the card has been lost or stolen, and any other billed fees, and the AAinintum Payment required. Every month you must pay ' you Witt immediately cat! the Credi! Union at {?t ?} 234-8484 or (800) 237-7328. Alter at least the Minimum Payment within 25 days of your statement closing date. By separate hours calf (800} 556-5678. agreement you may authorize us to e!-targe the mrn~mum payment autornaGcatly to your ~ share or checkng account with us. Yau may, of :,Durso, pay more frequently, pay morn 3. UABILtTY FOR UNAUTHORIZED USE -You a?rae to notify us i-nmediataty, only ! than the Mi^.imum Payment, or pay the Total New Balance in full, and you will reduce the er ;n w°iting of the I,ss. theft or unauthonz~ use er your Credit Card. Yeu may ot• Iabla ~ finance charg& by doing so. If your monthly pairment exceeds the total ;,rodct f:ne hafarx;e !o: the urauLhoreed use of your Credit Card. `~ -~~ will riot be I!ab:e br unainttorizcd use o;vr ~, w2 wilt automaticany post the cry-tilt to your 51 =Hares. I t^.tr octiurs after you nutty us o? the to ,, tnen, or ~t>ss-bra r~nau;horizzrJ use YO,: will ~Z.a ~ ` ' ' i The minimum a merit will bA 2 ~ of • cur Total New Balanco, ra,,ndE-d u to the j no b ,bitty nr unau rcr¢ad orcha es -rear.: with your re~ d C<vd un ss Hsu era gress y ' ne., own dpt!ar, o= (b) X20.00, whtc.~a,^er s greater. in addition, at any time yG+.'r Total i regl gent iH t te . zrrd:;Hg of ycur Card. In wry' ca=e, ycur lisbi,ity ,vll n,,t ea ce~ad `; 50, l ! N_.v Balance exceeds yaur Crt d t Line, you .mus! rmmed a?e!y poy the excess upon our j 4, CREDfT LINE - I? ;~•e appro:a y;.ur ~;;plic.3:per, ,•,~ wi est~b i r a Gr. f ' dema;td. ;,t « i pply paymenU r t ~i:' ro'ICvr,rg m;r,ne': first to prev+ous rata fees, rep!anis'ting lira of Credit for you Hnd :~.,: ty you of ,ts arro~nt r:r?en ~~e .. sup ?'~e tne~ to p•w+o„s csh advance, }-lance cr.argrs. ?Gen :o pre. ous purchase r:nance ! card. You agroa not tb'ct i''a ar,_o.:^,! b31a^;e excaa~ ?~s 3oprdva~~ Cr•}d~t Lt^2. Each charges 'hen to Current lase tees, tt^~n tb ruavioos ca=n acvance baiarces, tncn to i payment you maize on the: aua..n; ,, ;I ,~;store ;o:,r _rat7a Lir :, L.1 the amount p 6'+e prcv;ots purrha,e balarce> in roc: ,,,per tr a! :- of sire pastaa to :cur aaa,~nt. IneH j c~ayrnant ;nh~Cn s arch"mod ,.. ,r.e pri •Cipai o , r,a, re.qu•~st ~r 'acrE...;,_ ;n y;~r Cry,;,t to eurre';? c._.`r ud ancc; ba erica;; 2nd tr:en to c::.rrF. , p.. cr:asp ba:,aces. • Visa' Credit Csrd Agreement artd Trenh In Le;rdinq Disclosure (continued 7. FINANCE CtiARGES - fie -an a:,,:: t^.e Fi~~arC. ! h,• e _ ~ p.:.::r=,<es b: p,iv!rg th6' ,.::I anif..ri C' I" ., t~d'.a^ .<- bt P!:rr rig _ .T1G:. t ~1t'. rl ~ !7 ?' ' of your star^'•t:nt Gas:ng :' ;te. Giher,~ise, irrc. v ,,'~ut,r ~:e >! Purchases. end :!~.e s::bsaqusnt p;uchasss from rho oa'2 : ,ay rte v ,~:ed ?o ~,. ,; ._~uc. .; !! be _-ib,a~t to Finarca Ciarra-. Gash ad•;arres are at:<rays sub;eat !c France Ch=rca from :re data they ara pcstad ~ year ac,.: aril. Purchases: Vti'e calCU:ate your finance ChElrga by mu!?iptyar-:g :he wf:ra_tP ad; oleo deity balance {see a.ptration tetow), u•Ciuding rice: purchases, tr;r the bitting cycle by the monthly pencd,C ptirCha3 rate and correspondu•,g ANNiIAL PERCENTAGE RATE as disclosed on the Addendum. Cash Advances: 4'1e Ca~cu!a!4 year tinan~a char,,; or, cash advances by muRipfying the average adtus?a:1 daily b!anca (sae ecr!anation t~e!ao:j for cas'r. advances d-urirg the t:ilEng cycly by ttte marth!y periodic a?:cancv rate ,tnd corresponding ANNUAL PERCENTAGE RATE as disclosed an the Addendum. Balance Computation fAethod Average Daily Balance ter puchases - Ttty Average Deity E3alar:ce ter Purchase Transactions is calculated try adding tt=e Daily Balances (Purchase Transaction) for each day in the bitting cyCls. and then dividing by the number of days ;n the hitting cycle. To calculate the Daily Balance tar purchases each day, we take the fvt!ovring steps: We take the outstanding balance (aft amounts yotr owe) at the start o1 the day. Then, In the sequence in vrhich amounts are posted to your account, rte add the amounts of aft debits and subtract the amounts of all credits or payments which pest to your account that day. After applying payments and credits, Ova subtract trio 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 bitting cycle. This yives us the Daily Balance for purchases. Average Daily 8atance for Cash Advances • Cash Advance Transactions which are posted W yvur account are not included in the Average Deity Balance cakutation bur purchases, and are therefore riot subject to Ehe monthly periodic rate for pun:ltases. Tha Average Deity Balance is calculated sapamtely for Cash Advances and is subject to the Cash Advance Monthly Periodic Rate.The Average Deity Balance for Cash Transactions is calculated by adding the Daily Balances (Can't Transaction) for each day in iha bitting cycle, and then dtvidrng by the number of days in the bitting cycle. To catcutate the Deity Balance far cash each day, we take the following steps: We take the outstanding bola; tee {all amiwnts yew owe} at the start of fife day Than, in the saquertce in which amounts are posted to your account, wo add iha amcwnts of all debits and subtract the amounts of all cred'as or payments which post to your account that day. After applying payments and credits, wa subtract the amount of any unpaid Finance Charges or Late Charges. Then we also subtra,ctt trio 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 8atartce ter Cash Advance7ransactions. Note: Cash Advances are always subject to finance charges and from the day they ara posted to your account. Paymant~ are applied in the following manner: first to previous rate fees, then to previous Cash advances finance charges, than la previous purhase bronco charges, then to Current late tens, then to previous cash advance balances, then to previous purchase balances in fhe order that They were posted to your aCCOUnI, then to current Cash advance balances, and than to Cwrnnt purchase balances. Credits ara applied first to the partiCUlar type of debt which is being credited, it any, and then to the balance of your account. Note also ittal if the total o! iha payments and credits which are posted to your account by the Payment Due Data shown on a statement is equal to or exresds rho New Balance shown on that statement, we will not apply the Monthly Periodic Rate to your Account on your next statement. 8. DEFAULT -You wilt be in default it you fail to make any Minimum Payment within 25 days after your monthly statement closing data. You authorize us to transtar lands sufficient to make the minimum payment due it your Visa Loan is in dvtault. You will also b8 to default if your ability to repay us is materially reduced by a change in your employment, an increase in your obligations, bankruptcy yr insolvency procaodings involving you, your death or your lettuce to abide by this Agreement, or it the value of our security interest materially declines. We hero the right to demand imrnadiata payment of your full account balance it you defauu, subject to our giving you any notice required bylaw. To the extent permitted by law, you wifi also ba required to pay our coltectian eatpenses, BtctuBing court casts and reasanabte attorney tees. 9. USING THE CARD - To make a purchase cr cash ad•.rance, share are two attarnative proCadures to be followed. Cne is for you to present iha rani to s participating Visa plan merchant, ar another financial insGtutivn, and sit;n the sales or cash advance dr h which will ha imprirrad :with your card, The ether is to complete the transaction by using you Psrsanal hden?iflcauon Plumber iPiHj m a;r.unct,on with the card rn an Automated Teller Drtach!ne ar otnar type of electronic tar m,nat ;net provides access to the Visa systarn. You agree ?hat you ,vin not use you: cord for any transaction that s dtagal under appfcetbla federal, slate. or facial :ar:. The montn!y statement will ;dentily the merchant, aiaC?conic terminal ar financial ;nst'dution at which sransactiars r:era m:ada, but sale, cash i3dbarrCi'., ~flda or ether ;;cps carnet ::c'. returned s.~ih the si?;terra^,f.'r~u ~, .~, re;~sn a wt~y ~f :r.:c!r s,ps twn:,: et: ~t the Grr.a of the Va^=aLt~7n In order ta':etit;, t :~ ~nontrt:y stu,.,,:.~rtt. ins Gred!t Unicn :gray maP.e a rsasocet,!s ctt. rga hr photn:. ;r;es of s:iN, ycu tray reg.est. 10. OVERDRAFT OPTION - I• Yol t to a o ~ft'o ,c fS~CU 1's r'rcd; Card, the ~ G.'cn !s sub;ecl J tt:e exi ) •edt I!r^d ~txf ih. ar, content ii rapresen's and t!':e c,trre:!1 iron pot,cy .,, ?he ime of the a:rrdr<,'t. Y,.,o <,!..~ un^c'r5t3nd that an orerdratt:vilf be corsidered the saute as a c~sn advance Gn your PSECU V!sa Credit Cant end That the Curren! Artrr_ral Percentage Rate for clsh ad:anres vri!! eppty. t t. RETURNS AND ADJUSTMENTS - t,;src?rants au+d c'.r!ers ~•:r,o hrnw the card tray give Crecf;[ for returns and adj!astme!us, aria they oral r1o so by sending us a rrvdit sLp which va wifi post :.o your Visa f:nt: of ered,t. If your credit and payments excei'a .vhat you owe us, v:e will autonta!ical!y post the excsss credit balance to yot:r S1 Shores within .S days. it t!~e balance is or:a darer or mere, open your r:ritten request, iti•a w:11 rotund the crad,t balance to you 12. FOREIGN TRANSACTIONS -The exchange rata batJ eon the transaction currency and Itte billing arrency used tar processing international transactions is a rate selected by Visa Irv;n the ranee of rates avaitabte in wholeSate currency markets far the appticabte central processing data, vrhich rata may vary from the rate Visa itself receives, ar a governmen*,-mandated rate in effect tar the applicaCle central processing date. In each instance, an adjustment may be assessed based on the ISA fee imposed by Visa. This tee, rritich !orals 1°0 of ihv Iransact~on amount, wilt bo assessed on ati transactions ovhere the merchant country differs !tom the rouniry of the card issuer. t3. SPECIAL RULES FOR VISA PURCHASES - If you disagree or find an error with a Visa transaction, and have tried in mood faith to correct the problem with the merchant or the cnargos are the result of unauthorized or fraudulent use, or your purhase cast morn than 550 and was made horn a plan merchan! in your state within 100 miles of your home, contact PSECU. 14. DISPUTED TRANSACTIONS -You are required to notify PSECU in writing within 60 days following the data an 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 presvfve 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. fn cases of fraudulent C.a.•cf use, PSECU will also require a notarized affidavit. In same cases we may ask you to notify the loaal authorities. If wa do riot receive the proper reryuvsted documentarian in the Gma specified you may be held rvsponsibte for the transaction{s) in question. PSECU must adhere to strict dispute timvframos set forth by Visa. 15. SECURITY INTEREST - To secure your acraunt, you grant us a purchase money security interest under the Uniform Commercial Coda in any goods you purchase through the account. If you default, we wifi have the right to recover any of these goods which we have not been paid for through our application of your payments in fife manner described in the htonthty Payment section. With respect to this account only, wa will not assert any statutory right we may have it you are in default to prevent withdrawal of your unptodged credit union shares (Deposits) below the unpaid balance of your account. However, if you give or have given us a specific pledge of your credit union shares {Deposits) by signing the Pledge of Shares or otherwise, or any other seruriry interests for ail your debts, your account will be secured by your pledged shares (Deposits) and by the property described in those other security agre~~Q~aam~ents, except far your home. 16. EFFECT OF AGREt=MENT -This Agreement is Sha contract which applies to all transactions on your account ovun though the sales, cash advance, credit or other sties you sign or receive may contain different terms. We may amend the Agreement from time to fine by sending you the advance riritten notice required by law. Your use of the card thereaftsr wilt indicate your agreement to the amendments. To the extant the law permits, and we indicate in our notice, amendments will apply to your existing account balance as watt a5 to future transacUOns. 17. LATE PAYMENT CHARGE - If your Minimum Payment is riot received by the first day of the month following your due date, you wifi be subject to a 520 charge. 18. RUSH FEES -You may incur additional charges for rush processing and rush daNvery of cards attdtor PIN mailer 19. OVER UMITFEE- A 520 fee will be applied for each monthly staterttent cosing dale on which the outstanding balance exceeds trte assigned credit limit by mare than 51 tX3. i 20. DRAFT COPIES -You may incur an addit!onal Charge for trarsaction ~ summarylsale draft documentarian. 21. COPY RECEIVED -You acknovRadge receipt of a copy of this Agreamsnt. 22. ILLEGAL TRANSACTIONS PROHIBITED -You agree Shat you wal not use yvur card For any transaction that is dtegal under appticab!e federal, state, or focal taw. ~ 23. NO USE -Inactive Visa acruun;s lira+! have no rrtrass ar cash acuv!ty may pu , be rlosEd wrthaut notice to you after ?8 months ut no activity. i 24. NEURAL NETWORK -PSECU uses neort!I netwc;rk system; to pradrt acid ~ pr•,~ent unactharired transactions There may be occasions :vhan a !ransadion is i declined tteraue,e it !s indicative of possible traudutsnt activity. s ~ ;) ~.7 .qv (( //~~ !~ J p ~~ p; y O ~ ''~ O C1 O K i- 3,J.~~ _ C _L ('t V _~~ J _, O O ~ O ~~ a y a D R s O _ ~ '~ ~' -~ ~'~ ~ 1 c ~ v: w c ENO' a: .C ~ a ~ . . J ~ ~ ~ _~ _ Z~ ' ~^ m ,~ ~ -,_ ~ u a ~ r- V :.Q ~ ~ ~. O O CS. 0. 0. ~ J D .: G "j JQ .~7 ` " J ~ a O p rJ ~ O 7 ai _ - ~ r i ~ ~ O ~ s ~ O ,7 <_ ~'~ O'` O r r .: N~~ O = 7 C 0 W O ';p ~ ~= L ~ Z ~ '~ a: n J o ~'> r- V O ~ j 3 E a ~ -3 O T OLt' ~ e't ~ o c : O O~ b t C E ~ w - - .- _ - _ ._ _ - _ a x c ,n w :ro 1. - ...: ` m `-' o ~ ~ ~ ~ -~ y ^ -t ~= L7. r •c o a acs a ~- o ~ °j Q >_ n. ~ o.~ ~ ~ Y c _ ~~ N O O D C~ m ~~ ~ Oi`a ~ w 0. 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LL._ - ~ ~ r :i ~ ? ~ ~" 1-- ~ 000N(~~O NO V(~hv Pv VMlD pJ •ON~(")MO N(~at")Ov 000PNP r~r~Omov) •oNNVVV vvnop.-v) (o^u~.-r~.- 000(`i •On ch0cO U1vN OP(~.O V)a (")N-OOP r 0 a 3 ~ ~ ~ p•o F c % ~ o .n~O.p m OOON~ih ~n~•tV vv vM MC•7 (h (7 (+yc7 (+7 (•~C7N NN 5 5 Q .- ` ~ v -? '^ - ~~/ I NNNN 000000 OOOp • ~ ~ ~ v V _ O J 000000 000000 000000 a ZED ~ .. ~ ` , ; , L ~N U `.e m <_ ~. u -N V S _ ~, - c . ~ y l - ~ ~ - .-Nl7V~`O I~WPO^N ('7v ~~O IOW Po--NC")v ~!1`O t~4]PO ._ _ . ... _ ,. . , 1 ~--^- ^~ ^._^,_ ^N(VNNN NC~NhN:") SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff ~~,~~tito at ~i€u,i~Pr~~~ ~, '~ f; , ~.. ~ ~ '~; ::a~, pFFiC.E ` -HE t~ERIFF ,., - ~~ i-~_ Jody S Smith Chief Deputy Richard W Stewart Solicitor L S1 7 It i~ € tJ ~ ~ r; G E ~ = ~uG ~t p~ ti'•~3 J:' 1 ~ l~ ~ . _ .. Pennsylvania State Employees Credit Union vs. Paul E. Goff, Jr. Case Number 2007-6742 SHERIFF'S RETURN OF SERVICE AMENDED 0710 1 /2 0 1 0 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: Paul E. Goff, Jr., but was unable to locate him in his bailiwick. He therefore deputized the Sheriff of York County, PA to serve the within Complaint and Notice according to law. 07/08/2010 11:20 AM -York County Retum: And now July 8, 2010 at 1120 hours I, Richard P. Keuerleber, Sheriff of York County, Pennsylvania, do herby certify and return that I served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Paul E. Goff Jr. by making known unto Clifford Hoerner, adult in charge at 594 Rosstown Road, Lewisberry, PA 17339 its contents and at the same time handing to him personally the said true and correct copy of the same. SHERIFF COST: $37.00 July 26, 2010 (c) CountySuite Sheriff. Teleosoff, Inc. SO ANSWERS, RON R ANDERSON, SHERIFF