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Home My WebLink About07-6797IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES NO. d1- togg7 CREDIT UNION, Plaintiff VS. DAMON CARTER-MANN Defendant bvi(Texwl : CIVIL ACTION -LAW NOTICE TO DEFEND Pursuant to PA RCP No. 1018.1 You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after the Complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CAN NOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 1-800-990-9108 (717) 249-3166 Document #: 180057.1 EN LA CORTE DE ALEGATOS COM fJN DEL CONDADO DE CUMBERLAND, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES NO. CREDIT UNION, Plaintiff VS. DAMON CARTER-MANN ; 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 acci6n dentro veinte (20) dias despues que esta Demanda y Aviso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando por escrito con la Corte sus defenses o objeciones a las demandas puestas en contra usted. Usted es advertido que si falla de hacerlo el caso puede proceder sin usted y un jazgamiento puede ser entrado contra usted por la Corte sin mas 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 INFORMACI6N ACERCA AGENCIAS QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 1-800-990-9108 (717) 249-3166 Document #: 180057.1 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff VS. DAMON CARTER-MANN Defendant NO. p7 G7y7 ?o "v, ,?? rA+ 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, Damon Carter-Mann, is an adult individual with a last known address of 100 South Filbert Street, Apt. #F4, Mechanicsburg, PA 17055-6563. 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 continue to refuse to pay all sums due and owing on Defendant's loan account balance, all to the damage of Plaintiff. 16. As of November 6, 2007, the balance due, owing and unpaid on Defendant's loan account with Plaintiff is the sum of Nineteen Thousand Seven Hundred Fifty-Seven Dollars and 26/100 ($19,757.26). 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 Three Thousand Nine Hundred Seventy-Six Dollars and 45/100 ($3,976.45) have been added to the account. 19. Any and all conditions precedent to the bringing of this action has been performed by Plaintiff. 20. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. Document #: 180057.1 WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, respectfully requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant, Damon Carter-Mann, in the amount of Twenty Three Thousand Seven Hundred Thirty-Three Dollars and 71/100 ($23,733.71), 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. o An (d By: ?JA!60 I , 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 I ryl & e Date:__ Ilosln Document #; 180057.1 EXHIBIT "A" Pennsylvania State Employeesredit Union:' NO S687520' .` ?.:.i. ?`:???` ` • P.78cr 57u13 -• ya.•n:].rj-PA 17!LL-7L17 1717123!!M1137.7323 AUTOCRAFT' VOID OVER S 27,215.Q3 R:FEA:NCE, 8570296973 VOID 120 DAYS AFTER' 09127120Q6 .--•- - PAY TO THE ?:.? .. HARRISBILik?HYUNDAI;'INC. $ttt 'j 1' ?• •• \ :,?. ':i ORDER OF (DEALER)- '? -.? /J/17?( O/[ 1?N t. • ! J: ,. i-sl( 4' ??!/'tA-• Lfit7 :? DOLLARS IMPORTANT: VOID UNLESS DEALER ENDORSEMENT COMPLETED' MEMBER cNDOpSEMENT - - Buy.i , 0,du 7 adl el 5a• I7r.w rJ U..d V.Naj,I .ns I>•.ry.n+u:c If- V•1e.•.1 By endars;ng 1111s AutuDraft, 1t1:'e a^yree to the leans listed en thu ra+urs• s:ia -,111 rac°.•d octcl. tK A?:.D. alt is r.:c.N ey PSECU u W. Au::Or:lt ...u w - , of the drslt. C mpW. rh• falbwing r.Paym.nt Inlonn•d- \?'? :.t.iitid: t:d pon°nel tre pre:••d•oI rol t Ea padremeE:.r v.erlal' 1 •' • ,. . :?? ci loany rq•nt ei It. Ikvrowul.l ?Thf. AuruDrilln:noll rot e. u.•d m tvr:n..: •7um IE:ontr.u: r? `a,!er t? 7An.lnum T.mn m [r< Id:rv veric's L: -. 6?xru• r , rKM•tntcr.d, eamm•rtlal•ei•..(:`Ih•It..alvp•J. or po•d 6d•d ".h.x.. or r.MJ•. Lle:f"d: :\':? Yeid wlad:Ih•Vnil•d Srn..?;Br.,:c•Pnn)r1•pro:eeea cl ll,. Cra7r,'y"• , ?: Jr?yyAj,. Tr.•? Iwe,. 'mr,•? P.,',oA 5•?n, I,:IAe.hnrfdlry.y ' C-9-G O.r<e!Pu.'r."' .. Fn - er1iM_:<vnis u3e. :yeu I:e:ly Q erY:ly? V:110 4stttnii h•d PSECU FA1 717.787836 ?, rF ,__ .rn use Member Endorsement-? , r ' ', • 'y ?: I •131: oA?ln e RTeR-MANN, I ?;? r 7 (L ?7 J 17•iL?) &-Applicant Endorse"nt'-' . esuarlove •• txaua nrwelm•.ue" ` .. NO C0-APPLICANT' . 53 Y 1?'9lr:CJ do" 151-T u'S687S2011, 1:2313.81116f: .. 310379238411'.44 r!`000 27 2 12,36" t? 3 t; ;nl]7ts2 r§e?a r-a xsm =S=°asY""?p? 53K'3: X39 = =r.s=gavgpYpas f??s?3ix W ?o S" a 13556 F_,923@6 .52 (,1 7 A ° . ". e° n m n o< n 3 IT i M mw ;w ¢Ir a_ G D c3?„?4t or orn d:: pl D Gi 1575 Q e8r l; o: 0 -3 R . i . ? p•a - c.. °?n ,.-05'i1"?: j?;ggog v rv_,z m -= M p CD 6'_Z air M -naj3. m v ?Cd vv m 'g^r n t. Iv vl a r Q p3.1 x.1t o 3n a rsla a n mz C 10 C3 1c w?iD ?'7 C7 ;0 ri W D 77' Na ?o^-i N '^? TO n ;s O G1 'O O n-x'a3 m??ig}YI°m Rr 1~-• 2 Vt O O•:a: -112-9 i' g. 13 m "IV? :? 0 A D r^m C 4!--?? O G? a 33 7Zxg?s 1. I_8 ga x^0 nip 1 61 i Id ?aaILMym ? _ f:;'?J9I2fa07 0 t°,2 T" a It, 31, 3s` m Oz gr7 l1?1:?F71R?'_4rti•7 :" o .a3"ash S-i=I-7?3yo - - X1 Pf l f 4527 _ _ P`c_?a: 9 n e.a 6 e ; n_-gZ z tn-- _?- r0 g l; to ?Y=B %;d yn ^5'N=? C)m _n z w i ADVANCE PROCEEDS VOUCHER AND SECURITY AGREEMENT Harrisburg, PA 17108-7 t LF& 013 800.237.7328 MEMBERttAM£ COU U 9 +.r a?•:..'': 0 f?Ulu1?S.? =y=-y?;• DAMON CARTER-MANN 9/28/2006 8570296973/1,10 0005687520 6 ROBIN COURT MECHANICSBURG, PA 17055 PURPOSE: Dealer Purchase TRPINS TYPE ACTION ? OPE*END NCE 3 [I oTHr DESCRIBE) 4 ] HOME EQUITY ADVANCE 1. NEW LOAN 2. AN ADVA LO . . YOU HAVE PREVIOUSLY ELECTED TO HAVE THIS ADVANCE CREDIT DISABILITY IN CREDIT UFiV IN CREDIT L INSURED WITHTHE FOLLOWING COVERAGE YES ? NO YES NO YES PERIODIC RATE (CHANGE INTERIASONLY) ANNUAL PER- INTEREST RATE IS AMOUNT REQUESTED +OTHERCHARGES AMOUNT ADVANCED PREVIOUS BALANCE NEW BALANCE .0177808 I CENTAGE RATE 6.490 % FIXED 4 e° VARUIBLE?. 27,216.36.'. 0.00 « - 27,216.36 PAYMENT DUE DATE PAYMENT FREQUENCY PROJECTED LOAN TERM 404.06 10128/2006 Monthly SECURITY OFFERED IF THIS IS A HOME EaurF* ADVANCE, THE ONLYSECURI Y FOR THIS ADVANCE IS THE REAL PROPERTY (IN MOST CASESYOUR HOME) WHICH YOU GAVE AS SECURITY WHEN YOUR ACCOUNT WAS ESTABLISHED. IPTHIS IS NOTA HOME EQUITY ADVANCE IN ADDITION TO THE PLEDGE OF SHARES IN YOUR LOA14LINFROCREDIT AGREEMENT, THE FOLLOWING PROPERTY SECURES THIS ADVANCE. REM PROPERTY " -, ^;y*u} 'MOD Kt: .; a EF(r^t» !'.r i?GYP op 7 1 VOLVO 40 2006 VIMS382062162365 SDN 26,028.00 2. 4.OTHER YOU PLEDGE SHARES AND/OR DEPOSITS OF $ IN ACCOUNT NUMBER OLD ACCOUNTA.OAN NUMBER (A PAYOFF PRINC.+INT.) OLD ACCOUNTA.OAN NUMBER B PAYOFF PRINC.+ INT.) OLD ACCOUNT/LOAN NUMBER (C) PAYOFF (PRINC.+ INT.) OLD ACCOUNTA-OAN NUMBER (D) PAYOFF RINC.+ INT.) OLD ACCOUNTR.OAN NUMBER E PAYOFF PRINC.+ INT.) OLD ACCOUNT/LOAN NUMBER (F) PAYOFF (PRINC.+ INT.) By accepting the proceeds or by using the funds advanced and deposited Into your share/share draft account, you agree (1) that the property referenced above will secure the advance and any other advances you have now or receive in the future under the LOANLINEFt' 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. 0 Pennsylvania State Employees on Credit Un( P. O. Box 87013 717.234.8484 0 CM MJnMI. GR[KIP,198% 62,84,8% 89.98, 99, 21]00, 01 04, at ALL RICH-M RESERVED PENNSYLVANIA STATE EMPLOYEES CREDIT UNIUN FUHM 93175 JVXX01 Dal 037-2092-1 (aroU) ........................................... i_I'sir?tt:aitiii Z51:A?,pi` rel -: : .. 3: On: ........... pplication Received: 09/26/2006 0 Time Received: 17:48:56: Application ID: 568752 P. l .......... ..........; .; . .::,..:..:: Branch: IMPORT 1 Source: 1HHYU1 Cross Ref ..: Source of Repayment: ..; .A Secondary Source of Repayment: :..:<.: Product: DL Direct Loan Vehicle loan (23) ..??„ -" Preapproval?: Application Loan Type: Regular . . . . . . . . . . . . 'I :t: .... ....... .. .. ..... Purpose: Auto loan . Dealer::.::.::.::::. Auto loan . Lease Buyout : ::'::'::'::: ::':: Auto loan Auto loan • Private Part; Auto loan - Member 0caned:::': Auto loan - Recreational Vehicle < :::::' Auto loan '?- Use of Proceeds: s _IfI_ .?Gr Credit Bureau iExperian `?"::Share Application Information? Title First Middle Last Suffix :.. ::••::::• . CARTER-MANN Name: DAMON <.... Birth Date: 07!0911984: SSN: 205-64-0256:;::: ::::Ltiokwp;: Total Number of People in Household: ... ?wmwrwwvw.m? Y^r+w.wvn`ruw• Citizenship: US Citizen Borrower Type: <Applicant Spouse of Borrower: No : w. f,Iarital Status: -- - --- - -"? Mother's Maiden Name: CB PIN: KA:< E mail:: AKA1F ;!.:Foreign Address;: Apt 1 Bldg 1 Unit ........... Number Dir Street Name Dir Type Type Number ........... . . ... ... ..... 0#. .. ROBIN COURT -X]`---?? ?• -'-:` ?" '-- A Standard ? 6 :::: ?:?? :`::• ,,. i :•?' '.'.i Rural Route Route/Military Type: i Number: Box: .......... ..............._................ PO Box ' PO Box: County: ... Line 2: City: MECHANICSBURG State: PA Zip: 17055 ............................... .... ::•:::•::•::•::•::::•::•:: Frovir,c:e: County : Postal Code: .............. ................. ........................ Phone: (777 ) 379 3935;: Ext: Residential Status: Rents Time at Address:yrs F-..-.-. 0 m t h s IM: Phone number verified. ?Address verified .::::.::.::.::.:::: ....•..• ..: .: ........:.....•..:.: i ® :: sPF .dicant s mailin.g. address is the same 3s the current address:• ®' Collect Previous 4ddress Information ::: :.......................................... .............., :.•..,..; ...•..•..; ..; ..•..,:......; ....:......... . . . . . . . . . . . . . . . . . . . ..... . f ? I .; ............... ......,........,..................... ................ U nemp/Student/Homemaker : : ' Po:>ition: <SUPERVISOR M:: Active duty military member Erilpl, oper Hanie: C'DG :.:. Phone: 717] 763 4360;: Ext: City: ...................... ..; . Verification Phone: State: j s. Employer: yrs 10: mths Time at Pre B rro;:er Code: ? rn Employee Loan .................. ...........<.. Income: Pad Basis:•-• 0: Proof of income received.:: ....... Gross Salary: ;...:_.•...,.:3E000.00 ,Annually : ?: Employment verified.`XXX: ...... ?:.... ...... / 0 00 TiBonUS/Comma:::::::; ............... ... Income verified.: :-::-::-::•::-:: 0 ;Annually ................................. Other Income: ;Annually Source: Ilrro iy, child support & separate maintenance income need not be revealed if you do not wish to have it considered. Collect Previous Employment Information.:* ::*::%: ............ ...,....... Lu((Yrlt Collateral: ? ............................??. ? ::i.i:•s:i:i _ Collateral to add: New car, truck, SUV, van < ::ktl?•:'' t.. ?f• : ?y T: 1 t T tl Collateral Value: 0.00 Standard Advance: :0.00 Standard Advance Exist Li-.ns Not Refi::::'::' 0.00 New Loan Request:::::::; :: ;:27215.00 Loan to Std Advance: 500 Credit Limit t Maximum Loan Amount::::; Loan To Value: 500:00 Purchase Details Selling Price: :0.00 Tax Rate M: ?:0.00000 DownPayment :0.00 Tax Amount: :0.00 Rebate/Other Equity: 0.00 Title: ':0.00 I n ,Amount: :0.00 Net Trade License: :0.00 Amount to Finance: ?,!"it 11« t? 1 11` .............. .. ............ it..-If .... coumber ........ Account .. Pl..... ............. Paymeat ................ Balance ... TyRe .-------- ------ - - Last ActDate -- PO E: tim.ated Pawrient 404 27215 I 300 0 H Ot ITSTANDING DRAFT 480 0 szrii,nt Ad r 0 0 A S1 Debt Ratio: ;26 LC Debt Ratio: S1 Proj Debt Ratio: ;:;33 Original Application Factors used in Automated Decisioning Housing Pmt:: :::: Other Expenses: Total MonthlyAdl. ? LC Proj Debt Ratio: Current Application Factors being utilized by Underwriter Housing Pmt: Other Expenses: Total l ionthly Adl LC Proj Debt Ratio: Monthly Income Summary Gross Income: OT/Bonus/Commission: + Other Income: = Individual Total Income::;: Combined Income: :::::::::::: :3000: Ratios Revolving Debt Housing Debt: Total Revolving Line: Net Disposable Debt: qs,:elaGted' I Total S1 Pmts: ;:1184: Application Loan Pmt: ;::404: Total LC Pmts: Application Loan Pmt: Total LC Pmts: Residual Income Summary Total Income:: ; ;3000: - Residual Adj: •: - Total All Pmts::; = Net Residual Inc::: Net Disposable Income: It r?? ? 1 y?,l;>} ? i Product: " GL Direct Loan Vehicle loan (23) ` Total Amount Financed: 27215.00; # of Payrirents: ;.:;84: Payment Period: s' Monthly _dalCollateral Value: 00, Combined LTV: F U Estimated Payment: ;:i ..:404.04; Total Debt with Us: ;::;:; 0.00 Current System Decision/Recommendation: Approve:::; '.; -------------------- Deci?ion Party: i::'::'::::•::•::•::•::•::•::::••••••::••••::••::•::• Application Score: ;:201; Cutoff: ;:195; 'Dcore Surnniary: .......................................... Eormv;er ...................................... Bureau .................................... Model I ............................ Score ............................................................ Missing Fields 4RTERh:1AhJhJ,D.4MC Ex erian Li uidCreditFinalS 2011 0 i= .RTER-fYANN, DAMC Ex erian Li uidCredilA Sc 31 J ;t j : Dyad ; Income Summar : B urro weer Income Pmts D:I Pri D:I i .6•RTER hAANIJ, DAtyi 3000.0 1184.00 26 39 - ( s ................................................................................ ....................................................... Manual Loan Number `+'< Loan Date: 091261200E.Q ... Loan Number: ( Suffix: Disbursement Date: 109/26/2009::: ;Q Reported Amount: 0.00 Maturity (Due) Date: 09!26!201 :;Q Primary Collateral Code: (Vehicle loan Down Payment: :;::.:;.0.00' Funds Request: .New :•w New Funds Amt: :27215.OU Payment Type: Installment WR 1ntere .t Accrual: JActual/365::'7-] Payment: : ::; :404.04 Total Requested Amount: :':27215.00 Interest Rate: ;::; 6.49000: Final Payment: Loan Amount: Maximum Term + Total Financed Fees: ::0.00 + Total Financed Insurance: OD Interest Rate Lookup: :':1JaIeIilaJe:: = Total Financed Amt: :':27215.OD I l :e D ecision party ;rate. Rate Type: ? Fixed •• ...............::... Lock rate. Rate Lock Date: ".r.ARI 1. . l Credit Life'?election: IJone ....... Plan: ` ......................: ••.................. ..................... .............. ..? C?i<..?Lility ;election: [hJone Plan: . ». Ca:eragefor. applicant CARTER-MANN,DAMON (205-64.02• . ... ......... ............. .. Credit Life (Decreasing) Credit Life (Level) Disability MPremiurn Paid in Cash.:: .. .......................... In>'ufedAmount: _ :XXXXX :'::':O.OU IN:1onthly Benefit : :`::OQ Premiurn: :0.00 Co-st Per D ay: 0 :0.00 E rid Coverage D ate:: Coverage Term: Cf :'Q Q c +stFr rt Date Interest Principal Balance Pa ment ----- CL Prim ---- -- - Dis Prm :z10/26/2006 145.17 258.87 ........................................................ 26,956.13 .......................... 404.04 .......................... 0.00 .................. 0.00' ........:::::: x11/26/2006 148.58 255-46 ......................................................... 26,700.67 .......................... 404.04 .......................... 0.00 .................. 0. .............. 12/26/2006 142.43 261.61 :.............................. .......................... 26,439.06 .......................... 404.04 .......................... 0.00 .................. 0.00':::::: ...... ........ `Ul./Z6/ 2007 145.73 258.31 .......................................... 26,180.75 .......................... 404.04 .......................... 0.00 .................. 0.00' .............: 1102/216/2007 144.31 259.73 ................ ...... 25,921.02 404.04 0.00 ............. 0.00': .............. X03/26/2007 129.05 274: 99 ......................... 25,646.03 404.04 0.00 0-0 04/26,12007 141.36 262.68 i ................................................. 25 383.35 .......................... 404.04 ............. 0: 00 0:00; . 40S/26/2007 135.40 268.64 . 25,114.71 ......... 404.04 0.00 .. 0 00 ............ .. .. ......................................... Yr16/26/2007 138.43 265.61 24,849.10 404.04 0.00 0.00;::;: ': {:u7/ 6/2007 132.55 271.49 :.,... .................................. 24,577.61 ...... .... 404.04 .......................... 0.00 .................. 0.00; .............. ':0 ' 7'26/2007 135.47 268.57 ............. .. ' . 24,309-04 ......................... 404.04 .......................... 0.00 .................. 0.00' ...... ...................................... . x09/26/2007 133.99 270.05 ! . ...................................................... 24,038.99 ......................... 404.04 .......................... 0.00 .................. 0.00'::'::: ....... `10/25/2007 128.23 275.81 . ............. ................ 23,763.18 .......................... 404.04 ..................... ..... 0.00 .................. 0.00': ........ . :................... ..... ;11/26/2007 130.98 273.06 23,490.12 ................. 404.04 .......................... 0.00 .................. 0.00; .............. X12/%6/2007 125.30 278.74 23,211.38 404-04 0.00 0.00' APR: '::;::;6.49000 Interest Payments: ::14$.5$ # of Interest Payments: Total Interest: ::;:: :':6723.34 Total Payment: . F? intAmortiz do jr ' : f?rinf C-616Wlami S r'rfm ry: ; tJurriber of Pmts: ;:: 84: Pmt Period: Monthly 1st Payment Date: 10/26/2005 ? 0End of Month? State:., x :R . :•E•drt':• ... ....... .... .. .... ...... .. .. gar ?: ----- 1 11 11-n-r ?.n o..... n.,.... c..vn _ciiorv'Flecorirrncndatior,: NonDec'isioni:::i:Decision Party: System.::.::::'::•::<:::': 09/27/200609:22:38E. ?:r i.;i.•n E a aid r.rpor ?:::;::;: ::::: ::::: :::;::;::' : R eview Approvals Below Application Score :201: Cutoff: 185 Review Declines Above: for Review .... - ........... - ...................... -........--............................ ..... n C7eci:>ion h!o LiquidCredit Projected Debt Ratio. (DAHON Ca.RTERNANN) (Experian 09/27/2006) :::::::::::::: Jd_S-T rr11.°It. A. .1 71 71 1 D ecision: Approve•::•::•::•::•:::: Current Status: Booking Com late::'::': i•i i•: i :•i i i i:•i ........... p ........................... Underwriter. LG O S S: i•i:; :•::•::•::•::•::•i i•: i•i : i s 09!27!2006 09:50:07:: Max Sys Approved Amt: F ezj.ons to Override: --------- ----- Sti ulations : :...................: ;......; .....; .....; ;,.................................. P w ::: - - - ---_-----R 'A ? 'I AI. :A eP:• ?R Reasons to Decline: .:.......: Credit Decision based upon: :Credit Bureau? : :Affiliate .. Outside Source . Field Label Value Member Code 0 Current PSLV LOC If HELOC, immediate adv amt 0 Deposit proceeds into S1 or S4 iXNET,XNETRE,XPH0NE,XPAPRE, 1HHYU1 Di"daimef Answer AYES or CYES AYES member requested # of p_a ments 0 Type All..:......:..:.--:..;....:..:.:-• ...._: dd..:' ' ew ........................................................... :-:-::::,•:: - <i_9/27!200609:30:06 General r. r >.If ! r . U f1E 4 E RI Fl ED REF # 568721 ....; .; .; .; ., .; .,, :..; .; .• ..: :..: .: .: .: .: .: .: .: .: .: .: .: . •::?::?::?::?:::?: ::;:: •::?:: `:::?::?::?::? .•.....•..:.,..; .,..•..; .,..; ..................: :.:.:..•.. ............................. ....:.:.:.........................:.:.:....... ,09127i',1006 09:29:09 General f:1.4N UAL DR X30°a'• ; ; :'::'i :'i :': i :'::': i:'::'i : `:::'::'::'::': i'::': i i ::: i :':: i'i :':: i i i'i i :::'::'::': i'i :'::'i :'i : i i s i': i ::': i i ?: c': i': i i i'i i'i EXHIBIT "B" PSECO Pennsylvania State Employees Credit Union AU. F-c 67013 N i4,1r•:> , rr1, PA 1. l0ti•: a 1717) 7345494 00j .. - lJar:;?r' N Loan Disclosures EM, M 72,'? s"tre'?ie..t. 34- 8ae;a.!.c?ws. S,r• This LOANIJNER' Credit and Security Agreer,ent, wi Lift inc!udes true in Lending Disc to sure s, will Ge referred !o as the Plan. The P;e;n c!ocumr nts r?cluae this agreement and an Addandurn. You. your and borroarer rr48r: any person who signs the Plan. Credit union, Eve, our and us mean PSEC:J or im pwe to whom fee Credit Union transfers its rights under !hn Pinn. HOW THIS PLAN WORKS - This is art open-end, mu!h•fcatured credit plan. VVe anticipate that, from time to time, you will borrow money (cal!ed'advances') urlder 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 descmes the ditferert types of credit (called'subaccounts") avallable under the Plan, Vic current interest rate for each Subaccour,l expressed as a daily periodic rate and corre;:pottd!mg annual porcr,ntage nice and other charges. 11 may also have other terms ar.d a schedute for determining the payment amounts. CREDIT LIMIT - We may, but do not have !3, establish a credit limit on certain subaccounts. if a credit limit is set fora subaccount, you promise no! to exceed the estab'ished credit 'irn;T. It you exceed the credit limit, you promise to rrpay immediately the amount which exceeds the credit limit. REPAYMENT - You promise to relay Ell amounts you DING under the r°lan plus interest. Payments are due on the last day of the monoi unless we set a diflarent day at the time of an advance. If the Addendum has no payment schedule for a sir; account, your payment will be determined at the time of each advance. Payments must ktcixle any amount past due and any amount by which you have exceeded any credit limit you have been given for at subaccount. You may repay ail or part of what you owe at any lime without any prepayment pena'h/. Even if you prepay, you will stilt be r:;clufred to snake the regularly scheduled payments unisss vie agree in writing to a change in the paymart schedule. If you have a joint { sharedraft account, you will be responsible for paying all overdraft advances obtained by a joint holder of the sharedraft account. Unless D:herwlse required by lave, payments will be applied to amounts owed un!fer the Plan, in the manner tf?e Credit Union chooses. i PLAN ACCESS -You can obtain credit advances in any mariner authorized by us. If we allow you to use your ATMs/Debit card to access the Plan, you may be liable for the unauthorized use of your ATFA; Delxt card. You will not be. liable for unauthorized use that occurs after you notify us, era!ly or in writing, of the loss, theft, or posib`e unauthorized use. If you t3t?lieve your ATM,'Debit card has been lost Or stolen. immediately irriorm the Crcdit Union by c3ifincg or writing us at the telephone nUIT1001' Of address that appears elsewl?ere in the Plan. If the card is used to obta n utaWhorired advances diria ny from the Flan, yotrt ftabifity i.-al not exceed S70. If the unauthorized withdrawal is from a sharedraft account, your liability is governed by the Flogu!al'on E disclosures you received at the tirra you received your ATMiDebit card, even if the watidtavsl resutts in an aovi ncb being made from your overcfrah subaccount, FINANCE CHARGE -The dollar amount you pay for rnoney txyro?vod is tailed a 'finance charge" and begins on the data of each advance. A finance cJtarge will be computed separately for each separate balance under the Plan. To compute the finance cnaige, the unpaid balance for each day since your list payment lot since an advance if you have net yet made a payment) is multiplied by the applicable daily periodic rate. The sum of these atrnounts is the finance charge ortied. The balance used to compute the finance charge Is the unpaid balance each day after payrnerim and credits to that balance have been Subtracted and ary additions to the balance have been made. In additian to interest, we may charge other finance charges which are disclosed on the Addendum. it :he interest rate is a variat le iriteres,t rate, the Addendum explains hc:v the variah!e inwrest rate works. SECURITY -You pledge as security for the Plan all shares and dividends and, if any, all dap isi!s anti intofest in all joint and individual accounts you have v,ith us none and in Ine future. If a specific dollar amount is pledged for an advance, we will freeze stares in Len! account to 'he exlo A of :!?e o;tstanding balance for Ire ac::ance. O!henvise, your pledged shares rusty he withdrawn unless you are in defaut. The following paragraph applies in all states except in Ohio, Rhode Island and Massachusetts: We have a st9!ut0ry lien on Ine, snares and dividends ard, it any, Pte +epo is and !n!etest in all individual and join: accounts you "lave with us and in, exercise oir rig',!s under :ho fien tJ the exlenl pomiated by state law. (Vile are slate c!?artered if o.:r name ones rot include the term "Federal Credit Union') For all i borroweis:The statutory lien andbr your pledge will allow us to apply the funds in your account(s) to what you owe when you are in default. The statutory Iier, ;;rid your p!ed_re do not apply !o any Individual Retirement Account or any c!iter account that x•OLId lost. special tax treatment under state or `ederal la`s: If g'veri as security. Additional security for the Plan may be required at ;`?e lima of ar advance. It a subaccount identifies a type of propwty ,such as -Nsw Cars') you mr,s! 91%t? that type of croperty as security when you get an advance under trot sus acco;,nt. A. subaccount name such as 'Other Secured n?_'ans you must provide S5L'urity . PrODnr':' y"u ' aC.'e-tab:e to US when yoD obtain an adw-rice. un_tcr char tu,-=curt give as soruti`.y will secure all amounts cv.ed under the Plan and alt' oil-Er ioaa haze with us n^,e or m the future, except any 1„n secure1 by your principa: dv: Pr,,-,potty securing other l,,ans you nave :vah 6s ant! also, se::are the P"an CREDIT INSURANCE - Credit 10_ and,cr credit dibabitity insuranca is optional unclor tie Plan. If you qua::fv for aoi:i p:.rci?ase trio insurance from Ls. ycL authorize us to add the in;uranca pierniums rroni-0y to yCur !Dan balance amid charge you i interest on Ine en!ire balance. If you elect credit L :.urance. your payments may lncrea,e or the pelicu of time necessary to repay yofu advance may be exter•ded Tne credit insurance ratos may charge dining the Plan If the rates chance, vie will provide any noticos required by ttppr!cat,le late. i PERIODIC STATEMENT- On a regular :lasts you will receive a stateme-^t showing ail trarsactions under the Plan during the ponoo covered by the statement. ! Statements and notices wiff be sent to you at the most recent address you have i given us in writing. Unless applicaole Jae., requires notice to each joint borrower, notice to any ore of you will be notice to all, i ,JOINT ACCOUNTS - If this is a joi^,t account, each of you is individually and jointly 1 responsible for paying all amounts owed. That means we can entotce our rights I under ttte Plan against any one cf you indiAclually or against all of you together. if you i give us inconsistent instructions, vie can refuse to follow your instructions. Unless our f written policy requires all of you to sign for an advance, each of you authorizes the I other(s) to obtain advances individually and agrees to repay advances made to the other(s). Any joint accountholder may temunate the Plan by giving us prior written notice. If any o) 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 - It you give its a security interest in certain types of property, vie may charge you a filing fee to perfect our interest in the property. It we do, the amount of the tee writ! be Jisclosed 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 wilt promptly give us written notice if ycu move, change your name or employment, or if any other information you provided to us changes. Upon our request, you also agree to j provide us updated financial information. j DEFAULT - The following paragraph applies to borrowers in Idaho, Kansas, ' Maine and South Carolina: You will be in default it you do not make a payment of the amount required when it is due. 'sou will also ue in default it we believe the prospect of payment. perlormance, or realoation on any property given as security is significantly impaired. The tolforving paragraph applies only to borrowers in Wisconsin: You will be in default if you tail !o :Hake a payment when due two times during any 12 month period. You will be in defatuft if breakrrg ary promise made under the Plan rnatettaily I irnpms your ability to repay, wrat you owe or materially impairs the condition, value, i or protection of or our right in any property you gave as security. The lollowing paragraph applies only to borrowers in lawn: You will to in detau!t if you ate more than 10 days late in making a payment. Y'cu will also be in I default if you do riot comply with the tears 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 tho Plan. The following paragraph applies to borrowers in all other states: You will be in default it you do not make a paytnent of tha amount required when it is due. You will j be in default if you break any promise you made under the Plan or if anyone is in i default under any security agreement made in connection with an advance under ! the Plan. You will be in default if you die, file for bankruptcy, become insolvent, if you ! make any false or nis!eadirg statements In any credit application or update of credit information, or if something happens vve behave may substantially reduce your I ability to repay what you o:ve. You wilt be in del:,ult f any property you have given us as security is repossessed by acmeone else, seized under a forfeiture or similar law, or it anything also happens tt?rii signfl>cantly affects the value of tile pruperly or c.rr security interest in it.Yod will also re in delau:t under the P.An if you are in default U'tdet any Ct;?et loan E•.gre2menivita us. i ACTIONS AFTER DEFAULT - The following paragraph applies to borrowers in Colondo, District of Columbia, lows, Kansas, Maine, Massachusetts, Missouri, j Nebraska, South Carolina and West Virginia: When you are In default and after e<piration of any right you have finder appl•.•caNe state law to cure you default, vie can demand Immediate Gayrnent of Tile eritiri-, unpaic balance under the Plan without 9-wing you advance notice. The lollowing paragraph applies to borrowers in all other states except Wisconsin and Louisiana: Wh;:n you are it dofautt, via can require unn,6ciate payment racceteraicn) rf the rnf:re U;Ipa d bat_tt•,ce u-ic er:he P!an.You waive any right you have to demand for payment. notice of ttcr.t to accelemr-, and no:ice of accei.ra!ion. The following paragraphs apply, to borroevers in all states except Wisconsin and a: It tmmed;:t!e pn?yrnon' s demanded, you will conticue to pay interest until c::e has be:: n reca!d at the acp??caa!e n•!eres! rates in Ytfect or. if applicable, ! C 1':.'.1! P?EC:U -01dW -3146 r - Louisian gl;,• tie"a:.rod LOANLINER' Credit.rnd SgcLrity_Cro•d+it Agreerr,ent (continued) a,t ire tietat, !t ra.e .,.stir, -.J c. :t?. A f-, j_. r'cd1 t it a Jon, -i for in,,- r,yI, yr nt has be.iic mia2e, your sr:2rr;s and.of .;:in be applied As VCvided 'n the "eclldn ribovF ca!iod ci:'. r::n^!. y'l e L in a :-co ?xrf iii? art, Ot"•'r rat':,. gAen by taw .,lien }:,u are in ,dole- . lieu i'ree the Credo L'r.ion r.-s tli rig,!*, to :aeon of any pt'.,^,crry }vG" as se::urty under the Plan, withoi, i,:dlcial tiro +-ss. J -;is can b o via ,tiahout cret:ch of the peat . If we rile, you pieta;,; to da'i':er ir,e p r,,perty at a t:m._ and place -we choose It the piopar?y is a motor ve`.icle or boat, you agree that >ve may obta;ir, a Key or other device necessary to :niock aria operate it. when you are in def.au-t. We will not be responsible for any other property, not rovered by this Agreement, that you leave inside the prc'NSrty or that is attached to if e property. We wilt try to return that property to you or make :t avai:aloe for you fa clairn. After we have possession of the property, we ran sell it and apply the money to any amounts you 7ve u5-tine vali give you notice of any public disposition or the date after whim a private disposition writ be held. Our expenses for taking possession of and selling the property will be deducted from trio money racelved from the sale. Those Costs may include the cost of storing :he property, preparing it icr salt; and attorney's fees to the extent pemvtted under slate law or awarded under the Bankruptcy Code You must pay any amount that remains unpaid after irie save money hats been applied to any unpaid balance under the Plan. You ogrea to pay interest on that amount at Ina sama rate as the advance, or, If applicable, at the defauh rate disclosed on the Addendum, until that anhount nas been paid. The following paragraph applies only to Wisconsin borrowers: Vdhen you are in default and after expiration of any right you have urder applicable state law to cure you, defauit, we may requite immediate payment of your oufsfanding loan balance under the Plan and seek possession of property given as security. You may voluntarily give the property to its if you chore, or we may seek to take possession of the property by judicial procesa. It we repossess the property, you agree to pay reasonable txpanses incurr.-.d in disposing of *a property, if the property is a ?rotor vehicle, mobile home, traiter, snowmobtle, boar or aircraft, you will also be required to pay any costs permitted by Section 422.413 of te Wisconsin Statutes. You mast pay any amount that remains unpaid after The sale money has been applied to what you owe under the Plan. You 1 agree to pay interest on any unpaid amount at the same rate as Lie advance, or, if applicable, at the default rate discl,^Aed on the Addendum, until that arnount is paid, if 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, i The following paragraph applies only to Louisiana borrowers: When you are in defauit, we can require immediate payment (acceleration) of the entire unpaid balance under the Plan. You :Waive any right you have In demand for payment, notice of Intent to accelerate and notice of acceleration. if immediate payment is demanded, you will continue to pay intsrest until what you eve has been repaid at the applicable interest rates in effect unless a default rage is disclosed on the Addendum. If a dertiand for immediate payment has been made, the shares and f deposits given a3 security for the Plan can be applied towards what you o'.ve. We can also exercise arty other rights given by iaw when you are In default and our fights under any security agreements you have with us. CANCELLING' OR CHANGING THE PLAN - The lolfowing paragraph applies only to borrowers in Illinois: Vie have the right to change the farms 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 wig 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 Viiscorsin Statutes. You will be notified of any change in terms, An increase i in the daily periodic. rate under a variable rate interest rate is not considered a change in terms under the Plan. 1.11a can cancel tie entire Pian or any part of ilia Plan at any time. You may cancel the Plan at any time by giving us prior vainer notice. Your obligation •,o pay the unpaid valances under the terms of the Plan I continues whether you or the credit tmi,>n cancel the Plan, except to the extent that your ;lability is limited by Section 422.4155 of the Wisconsin Statutes. The following paragraph applies only to borrowers In Iowa: We can change the terms of the Plan from time to time after giving you any adanrice notice required by law. A change that increases the rate of finance chirge or utfter charge, that increasoss the amount of your payments, or that otherwise adversely atfects existing balances wdl apply to existing balances only if you agree to the change or you use the Plan after receiving notice that your use of :he Plan mearis you agree tr,a change applies to existing balances. The following paragraph applies to borrowers in all other states: VJe navy tf°,e right to r_nange the terms of the Plan from ti^te to time after giving you any adv.;nce nctrCe required by taw. Any change in the iriterost rate will aopry to future advances, ar',d at our discretion and subject !o any requirements cf applica;r'e law, trill also apply to unpaid balances. The following paragraph applies to all but Wisconsin borrowers: An inertlate I' the laity periodic rate under a varable interest rate is riot considered a en; r;qo n terms under the Plan. VVe can carccl ire entire Plan or any p;:rt of the Plan aid any time. You may cancel the Flan a: any tme ny giving us prier written riott:;e. y'o:.r oNigatton to pay the unpaid oalancos uncer re terra of :he Plan contirues ::'ir th e you or the Credit Urion cancel the P.an. DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN - We c nn dc-'w ertorcing any of our rig'rrs under tr,:3 Plan any nirnbor of limes wano'ut o_,.nq irie aiaih!• t? i.<erc'...7 our rirgr,!3 `.. f;nfr:r:.n :-J; aCa,r;l Mir r leg:3 iepfr_senri;i. es, I ,v., ?riot Plan. io. A: W. 11m tl,.t; fl-an ccr:in.:e !o titre?e ! CONTINUED EFFECTIVENESS - !7 tire, part of Iles P,r:n i; rr•trnr.:neU try a coot :o be unur,!;,rrc.anl3, C.,: rest vii: ref,,. (f cite: t NOTICE TO UTAH BORROWERS "hIS rwrn:en rt rte me ;t is a final axpre-sw'r of the agr. e ent l:;;rvei:n and Iii: Urn on. 7?. ...,; ;n agreement m&y not be c_?n',Md. fed t:y e'n:IL^nC of 'Any cr_'i the tollow0g is required by Vermont law - NOTICE TO CO-SIGNER - YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. The following paragraphs apply if you give security in connection with an advance under the Plan.They apply to borrowers in all stales 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 s_curity interest you give Includes all accessions. Accessions are things which ro attached to M installed in the property now or in the future. The security interest also includes any replacements for The property which you buy witnin it) days of the Advance or any extensions, renewals of refinancing of the Advance. it also inrJ:;ces any money you receive from selling the property or from insurance you have on the Property. It the value of file property ciines, you promise to give us more. property as secuty if asked to do so, de I 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 irie Advance and any extensions, renewals or refinancings of the Advance. It also secUr'es any other advances you have now or receive in the future under the Plan and any other amounts or loans, including any credit card loan, you owe us for any reason now or in the future, except any loan secured by your principal residence. If the property is household goods as defined by the Federal Trade Commis• ion Credit Practices POO, the property •.vilt secure only the Advance aria not other amounts you owe. OWNERSHIP OF THE PROPERTY - You promise that you awn ail property you give as security or if !ne 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 rot 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 efthor by your actions or by operation of taw. PROPERTY INSURANCE, TAXES AND FEES - You must maintain property insurance on all property that you give as security under the Plan. You may purchase the property insurance from aryore you c'toosa vilho 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 mrough a policy you get and pay !or. You pronv", to make the insurance policy payalblo to us and to deliver the policy or proof of coverage to us if asked to do so. If ycu cancel your insurance and get a refund, we have a right to the refund. if the property is lost or damaged, we can u,-e the insurance settlement to repair the property of apply it towardds what you Owe. You authorize us to endorse any draft or check which may be payable to you in order for us to colfact any refund or benefits due under your insurance policy. You also prornise to pay 211 taxes and foes (like registration loess :due on the property- If you do not pay the taxes or lees on the property vihan due or keep it insured, we may i pw y these cb!igations, but vie are not required to do so- Any money we spend for taxes, lees or tnsurance will be added to the t,rtpaid baiznce of the advance and you wit! pay interest on those anio,nts at the same rot: you agreed to pay on the advance. We may . recef e payments in connection :with the insurance from a company winch provides the i suraece We rr:ay mbnitor our:gins for the purpose of determining whether you and other borio,vers have ccmplieJ wrh the insurance lequire.nhents of our loan agreements or may engage others to do so. The insurance charge added to an edvance may include (1) tr.e insurance company's payments to its, anc (2; the cost of determining compliance -with the insurance roNuirerrents. If we add a;nou ns for taxes, fees or insurance !o the :npaid balarce of an advance, vie matt' increase your payments to pay the aniount added wit`nn the term of the im',U.Mrme or approximate Perm of the advance. 1 i INSURANCE NOTICE - It you do not purchase the required property insurance. the 'nsurance wr- may purchase and oharge you !or wr!I cover only our interest ;n the ? property The premium nor this ?nsurs,nre may be higher because the insurance company may fi;ave 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 laws. PROTECTING THE SECURITY INTEREST - if yo:r state issues a I!^e for the property. yew promise to have our security iritere t F,%own on :tie title We may Have tc fie what is c_!led a financing sia!e-neni to protect our security interest iron the I ciaims of others if acne:'d to oo so. you p ornite :o s.gn a financing statement. You j also Oronlise to do witeever e!,?e vin: vi,rik is necessary to protect our security I inter s? in the properly. You promise io pa, all COSis. igCIUdfrg but riot Idrrliled to any i : norre'y fees, v,s incLr in protcrtirg o_ir SOCUr:t ie!are;t no rights in U'e property, I 0 the ex!ew pcrm;!tt•:I by app!iCi,bie lbw. j 1 LQalNLfNER' Credit anti Security Crcdlt Ag {orient (continued) USE OF PROPERTY - u tta trna paid of ou prom ; yc.a I (1) us • tr,e coper:y Carefuav ar.d keep t docd r<t iii. I21 Octtlrt our r:ri!tun I petntissiorl i ci_r•3 ;raking rra or cnang?s to ^ie property or changing the ,.adres; j vhf:e ?ht' Pmpr.wy a Kept. I.Ii Inform us in v;%:.nq bufor?, ehan.^,u?g guar: drJres. i l AG,v: us to inspect the l.,rope0y. (5i Promptly notify us d the property is damttgoc ! stolen or abused. t6f Not use the property for any :unla>Lful purc.os•a. (7) Plot to rctii;a property n another Sta!p *iinout lei, ng un. I NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE i -- THE ta'OTOR VEHICLE IN THIS TRANSACTION MAY BE SUBJECT TO j REPOSSESSION. IF IT iS REPOSSESSED AND SOLD TO SOMEONE ELSE, ? AND ALL AM.DUNTS DUE TO THE SECURED PARTY ARE NOT RECEIVED !h: THAT SALE, YOU t IAY HAVE TO PAY THE DIFFERENCE. NOTICE FOR ARIZONA OWNERS OF PROPERTY - it is unlawful for you to fa it j to return a rector vehicle that is Subject to a security interest, with;n thirty days after II ypu have ieceived notice of default. The notice wN be marled to the address you gave us. It is your responsibility to notify us if your address changes. The marimum This notice contains Important information about your rights and our responsibilities under the Fair Credit Billing Act. You are advised to read your mordhly statement ?'. ir.d review it for any ORor discrepancies or unauthorized transactions. NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT. It you think your statement is wrong, or if you need more information I 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 clays following the date on which we sent your statement wherein the error or problem j first appeared regarding any discrepancy or unauthorized transactions on your account. Failure to notify us may result in your acceptance of tiny responsibility for payment or tet!mbursemeni to us for any such error cr discrepancy on your account. %Vrtte to us as soon as possible, 1bu can telephore firs, 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 ilia error and explain, if you can, why you believe there is an error, j If you need mote information, describe the item you are not sure about. If you have :authorized us to pay a credit card account automaticaify 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 i automatic payment is scheduled to occur. YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE • We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, vie must either correct the error or explain why we believe the statement was correct. In tt;is Agreement, the words you and your means each and all of :hose who apply for the card or whe signs tnis Agreement. Card means the Visa Credit Card and any duplicatos and rene•va!s we issue Account means your Visa Credit Card Line of Credit .z=punt w,.h us. We, us, and ours means this Credit Union. t. RESPONSIBILITY -if we issue you a card, you agree to repay a!t debts and the Finance Charge arising from the use of the card and the card acco•mt. For example, you are responsible for charges made by yourself, your spouse and minor children. You are also responsible for charges made by anyone else to whcim you give trio card, and tnis responsibility continues until the card is recovered. You cannot disclaim responsibility by notifying us, but we will close the account for new transactions it you so request and return all cards. Your ebltgation to pay the account balance continues ever, :hough an agreement, divorce decree or other court judgment to v+hi;;h we are not e party may direct you or one of tn.e o!ner persons responsible to pay the account. The caros remain our property and +ou must recover and surrender to us all cards up,;n our request and upon teirnrnation of this Agreement. 2. LOST CARD NOTIFICATION - if you believe the card has been lost or stolen, you will immediately call the Credit Urion at (7 17) 23•s-6-184 er (800) 237.7328. After rt0-drs call (600) 555.5678 3. LIABILITY FOR UNAUTHORIZED USE-You r gee Ic notify us immediately, oraiiy or ^? writing of the toss, IhOt Or unat ;home@ ; ust• O y;aur Credit Card. Ycu may be liable 'or ine unautttcri>_ed use of your Credit Card. 4:o i will not be Bare for unauthorized use tt t .v ozcurs after you n•-o0y us of the fo_s, th8ft, or phs5.ble unauthorzed use. You vnll Nave no iiab ity for unaut cn_ ed purchase made wish your Credit Card, unless you are grossly necg!lgent.n the hand%nig of your Carl. In arty case, your liab, ity w,,lr. mit exceed S50. 4. CREDIT LINE - If we approve your application. we will establish a 56f repienisning Line of Credit for you and no,.4y you of its arno.:nt when we issue the card. You agree not to lei ha account halance Pxceec this approved Credit Line Each payment you make on the accoi.nt wi;l restore your Credit Line by the annou^.t of t=ie payment vatic! is applied !o the principal. 'You may request an Increase Ili your Credit pcnal!y for urda-?lut fC:a'118 F!•:fii L: 'Tt•:rGf :• ;CIf: , Or.,;• ye,.'!r n pns.on ,nd -r 't f•r.e :f S1SU,OG? 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 letter, we Cannot try to collect any amount you question, or report you as delinquent. We can Continue to send statements to YOU for tits amount you questiat, including finance charges, and we can ripply any unpaid amount against your credit limit Y cu ate not have to pay any questioned amount while we are inveSngwing, but you are still obligated to pay the parts of your statemeni that are not in question. If we find that we made a mistake on your staterhenL 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, to either case, we wall send you a statement of the amount you owe and the dale that it is due. It you `all to pay the amount that we think yo;; ovre, we may report you as dalinquent. However, if our explanation does net satisfy you and you carte to us within tan days telling us that you stiff, refuse to pay, we must tell anyone we moort 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 peon settled belv:•een us when it finally is. If we don't follow these rules, we can't collect the first $50 of the questioned amount, even it your statement was correct. SPECIAL RULE FOR CREDIT CARD PURCHASES -- If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to nay the remaining amount due Or. 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 horr,e stato, within 100 miles of your current mailing address; and (b) The purchase price must have been mare than S50. These limitations do not apply if we own or operate the rerchant, or if we mailed you the advertisement for the properly 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, nay reduce your Credit Line from time to time, or with good cause, revoke your card and terminate this Agreement. Good i cause includes your failure to comply with this Agreement or any cater agreement with us, or our adverse reavalualion of your creditworthiness. You may also tormitiWe this i Agreement at any time, but termination by either of us does not affect your obligation to pay the account balance- S. CREDIT INFORMATION -YOU authorize us 10 irr? 51 gale your cred' Slanding when, opening, renewirg or reviewing your account, and you authorize us to aisc!ose information regarding your account 10 Credit bureaus and other credtom who inquire l a! us about your Credit standing. 1 6. MONTHLY PAYMENT - We will moil you a statement riaory month slto-riing your Previous Balances of purchases and cash anwoices, Me current trarsactions On your ancolim, the remaining erect avaraUe under yoo.,r Credit Line, iFe New Balances of i , purchases and cash arl`•anc4s, the Tctrrl New Balance, ^,e Frnari;:a Clttrrge vile Ip d -lo. and any other billed fees, and the M nimum Payment required. Every month you must pay at least the Minimum Payment within 25 days of your statement closing dale. By scparato agraurrern you may author;_Ze us 10 charge the rrnimur„ payment automatia0y to your share or cnecking account w.th its. You may, of o ume. pay more frequently tray ntore ttan:ht; Mumnutn Payli,ent, or pay the Totlil hew Balance :n fu6, una you will reducb the i f,narca charge try dicing so. If your rnnnrh!y paymen* exceeds ttte tptal ervtlil line balance . a:od we v+;fl automavcrilty post the cri;,iit Rt your S t shares. Tae rnirnmum payment w,N oc (a) ?`a of y.: ),!r YO all New Batancu, rounaed up to the next even dollar, or (b) $20.00, wh:che•.,er s In additon at any tme your Total New Balance exceeds your Credi: Lire, you must l-nrr.cdratery pay :he excess cpon our demand. We Ail' apply payments In :ne lo'i:wing manner. rst to previous late fees. u•en to previous cash advances 'finance charges, then to previous purchase finance Charges, then to current IBtd fees. th@^ to rrevi.a:1S cash advance balances, than to p,ev:0us purc'ha_•e ba'a%cs in tfre order that they wero posted la your ac,.CLnt, then to current cash advance r winces, and then to current purcrase balances. Vise Credit Card Agreement arid Truth in Lending Disclosure (continued) 7. FINANCE CHARGES -YOU ca•i a.au ;le 1 i,?anr:e Chit roe i:rt p.ucha es ,i p< y,t:g tha lid, aniount of the New Galdnce of P',ichiues each men:t' v: d' n 25 days „f your statement cos,ng date. O:'ierwtse, Ihco N,rA B.V;irine of P::rcha Es, rrrd L e subsegcertt purchases from the d:a, tf:cy are postea to your acrcurt, w@l ba cuL'jed to Finane:e Cl-.arga. Cash wivaril are aways subject to F ranee Cnarge from the date :hey are poste) to your eccow:?. Purchases: Vla ca:culav, your finance charge by mu!t piy,ng the a:erag, aujus!ed h:{rest for ire ^i{lir+g cycle daily balance (see explanation beta.), .ne!udir,g new. pill, by the monthly periodic parehase rite and corresponrinq ANNUAL PERCENTAGE RATE as disclosed on the Addendum. Cash Advances: We calculate your finance charge or, cash advances bi multiplying the average adjusted drily cilarca (see explana5or, Lelow) for ,ash advances during the billing cycle by the monthly periodic advance rate and ccrresponcing ANNUAL PERCENTAGE RATE as Jisclcsed on the Addendum Balance Computation Method Average Daily Balance Aw Purc'Irses • The Average Daily Balance, far Purchase Transactions is calculated by adding the Daily 6afances (Purchase Transaction) for each day in the billing cycle, and then dividing by the number of drays in the billing cycle. to calculate the Daily Balarce for purchases each day, we take fhe fcliov:ing steps: We take the outstanding balance ;alt amounts you owe) at She start of the day j Then, in tho sequ rice in which amounts are posted to your account, we add the amounts of ail debits and subtract the amounts of ail credits or payments which pr st 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 pfe ious day in the billing cycles. This gives us the Daily Solance for purchases. Average Daily Sakince for Cash Advances • Cash Advance Tarsactions which are. posted to your account at--, not inciuded in the Average Daily Balance calculat;an for purchases, aril are therefore not subject to the monthly periodic rite for purchases. The Average Daily Sa+ance is c?nlcu!ateo separately for Cash Advances and is subject to the Cash Advance Monti)fy Periodic Rate. The Average Daily Balance for Cash transactions is calculated by adding the Dally Balances (Casts Transaction) for each day in the billing cycle, and than dividing by the number of days ih the billing cycia. To calculate the Daily Balance for cash each day, we take the fofiowing steps: We take the outstanding balance (aft amounts you owe) at the start of The day. Then, in the sequenoe in which amounts are posted to your account, we add the amounts of all deb,*s and subtract the amounts of all credits or payments which pose 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 a`ry Purchase Transactions that posted to your account on that day or in any previous day in the billing cycle. This awes us trio Daily i Balance for Cash Advance Transactions. Note: Cash Advances are always subject to finance charges and from the day they are posted to your account. Payments are applied in the following manner: first to previous late fees, then to previous cash advances finance charges, than to previous purchase finance charges, then to current late fees, then to previous cash advance balances, than to previous purchase balances in the order that they were posted to yaur account, then to current cash advance balances, and then to current purchase talar,ces. Credits are applied first to the particu!ar lyre of debt Fvhirh is being credited, it any, and then to the tiWance of your account. Note niso that if the total of the payments and credits which are posted to your account by the Payment Due Date shown on a statement is equal 1*3 or exceeds the New Balance shown on that statement, we will not apply the Montlhly Periodic Rate to your Account on your next statement. 8. DEFAULT-You will be in default11 you tail to make any minimum Payment within 25 days after your monthly statement closing dale. You authorize us to transfor funds sufficient to make the minimum payment rue if your Visa loan is in default. You aril' also be in default it your abitiry to repay us is materially reduced by a change in your employment, an increase in your o'.l;ga:ions, benkrupicy or insolvency proceedings involving you, your death Orr yo!.r failure to abide by this Agreement: or if the value of our security interest materially dec?imes. We stave the rght to darrtand nrnedi.;te payment of y-ur full account balance if you Cietault, subiect to or giving you eery notice required by I_v:. To the extent pefrr.ilted by law, you will also be required fD p ;y our coil<•ction experties, incl::ding court costs and reasonable atiorrey lees 9. USING THE CARD - To males a purchase or cash affiance. !here are rrro atteir.ati've procedures to be fo!!o.ved. One is for you to presel:t the Card to a pcrticipatingVisa plan rleri harit, or another tinanGal insLlution, ana sign the sales or cash advance draft which will be ;reprinted with your card. The of^or is to co+apiele the !ran;action by using your Personal IdenOication Nurnber (PIN) in Conjunction with the card in an Automatod 7eilcr Machine or other type of electronic terminai that ptov!des access to the Visa system. 1'ou agrae that yon. vial nonuse your ccard or a,-)/ Transact on that is ilegal under applicable lederal, state. or icocal law. Tr,e mcnihly statement will identity tr.e meil eiectronic terminal or financial n6laut on at rvnith :ransactrans were made, bet sale, cash ta.dvEinCi?, credit or o!i-.er s:=pt; cannot he rt•G.rred wit-, Iha staIC-rant. 'rbr. ri`tairh a CC);*, :1! s.:cn ;Sp;; f::rnisrrd 't Y ^ie of the transtittion cn er?;Cr to /(:;r tna?:e _i rea,pn..t.te '•ar•?^ for phi,., c plot, of sips ma.; 10. CVERDRAFT OPTION - If you 2!ECt to overi:,a!t to your PSECU'dii-7 Credit Card. that election. is s abject tc in-2 c. sr nu crud; 'art ,rid v,e c,rooeme"d i! repreaents and !ne C.;rrent :Dan policy at the lir,,c ut iho co,Erdra't.'ibu also unrif rslano ttiat an ovotdraft tint be consder_d the s-anne :is C a0i acvanc . or your PSECU Visa Cre_l,+ Card and thr,t the current Annual Percentage date for cash adv-;noes :vdl ripply. 11, RETURNS AND ADJUSTH,ENTS - Morcha'xs end o:ners .•:ho ionot the _-a rd may give credit for returris and adtus:nhr.nts, and th.?y mill do so b'r sending us a I ,red l ;I;p ;•:hich v.e sill post to your Visa licit, Cd cieult If your credit and payments .,<CeU what you Oi':U US, i•:e w,:i .a Gl;'En:aiC'rn!'r post the excess credit t,:i:ante to your Sl Shares -eJthin 75 days if tt: b-ilance Is 6nc dollar cr rtiere, :,pen your a:ritten request. we v.-ill refund The credit Dal:tnre to you. 12, FOREIGN TRANSACTIONS - he exchange rate ber.:eer 1`1e irwnsacl!on currency and flit, billing Curency Us0•:1 for processing t,^!erraGOral trancacticns !s a ra!e selected ay Visa from the range cd rates ava :able in v.,ho'rsa!e currency markets for the applicable central pr:-ceasing date. which rate may vary from the rate Visa imz4 receF;es, or a galernr.-,ent•mandated rate in effect for the applicable centrat processing date. In cacti instance, an adluslment way 1)e assessed based on the I£A fee imposed by Visa. Ths fee, which totals iso of tt',n transaction amount, will be assessed on all transactions where the merchant Country caters tronn the c!Juntty Cif the card Issuer. 13. SPECIAL RULES FOR VISA PURCHASES - If you disagroe or find an error with a Visa hansaclicn, and have tiled in good faith to corect the problem with ine ierchant or the charges are the result M unauthorized ar fraudulent use, or your purchase Coe-, more than S50 acd was rnade from a plan merchant in your state within 100 miles of your hornet contact PSECU. 14. DISPUTED TRANSACTIONS - You are required to notify PSECU in vet? rig within 60 days following Lie date "which we s:--nt your statement wherein the error or problem first appeared regarding ar.y discrepancy or unauthorized transaction on your account. Telephoning PSECU does not preserve your dispute rights. You may be required to provide us with documentation to support your dispute c!taiins. In addition, you may be required to corrrple;e a standard dispute form outlining trio detafs of your dispute. In ceases of fraudulent card use, PSECU will also require a notarized affidavit. In some cases we may ask you to notify the loamtt autho6lios. It we do not receive the proper requested documentation In the time specified you may be held respons blo for the transaction(s) in question. PSECU must adhere to strict dispute timetrames set forth by Visa. 15. SECURITY INTEREST - To secure your account, you grant us a purchase money security intetest under the Uniform Commercial Code in any goads you purchaso through the account. If you cefault, we will havo the right to recover any of these OOods wlvch we have not been paid for through our application of your payments in the manner described In the Monthly Payment section. %%hlh respect to this account or!y, we will not assort any statutory right we may have if you are in default to preuE:nt w:thdrawitl of your unpkld;)ed credit union shares tDoposits) below the unpaid balance of your account. Hofre r, if you [Jive or have given us a speci`ic pladge of your credit union shares (Deports) by sinning the Pledge of Shares or otherwise, or any outer 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 agreements, except for voc:r horr,e. 16. EFFECT OF AGREEMENT - This Agreement is the contract which applies to all tracsactions cn ),our account even though tale sdies, cash advance, credit or other slips you sign or receive may contain orferent terms. We may amend trio Agreement from time to time by sending you the advance written notice requireJ by law. Your use of the card thereafter v,iB indicate your agreement to the amendments. To the extent the law permits, and vie indicate in our notice, amendments will apply to year existing account balance as well as to future transactions. 17, LATE PAYMENT CI4ARGE - if your Miriitncm Payment is not received by the first day of the month fo!irwing your Clue date, you will be subject Ic a 520 change 18. RUSH FEES - You may incur aC'^ twn:a! charges fir rush processing and rush dE_iivery of cards and,or PIN maker. 19. OVER LIMIT FEE -A S %0 ice will bit applied !or eazh rnorilhiy Zeelnent classing dale on whicn me outstanding batc,nce exce-ds the ass,g• av. cred,l 4nut by more Irian S100. 20. DRAFT COPIES - Yo:, may incur an add:t,or.ai charge for transaction summary sale craft documentation. 21. COPY RECEIVED - You acknowledge rece!pr ._?? a corN of this Agreement. 22. 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C1 .p a c U QA c OOOtnlntn htn771T7 qM MMMM MMMI")MN NCV CV NCVN 3 c °-' U O O ON : C ?^ 0000CO 000000 000000 000000 000000 V a Vr t-?- ?•. poi a ?... u a._p c ^NMV•kn •O r. 00 0.0-N MV k.O^c0 0-.O,NMV ,n.Or?c00.0 R r '- ^0404040404 NNNNNM Cl- _C 3 W ' e ' 00 ..J T 8 63 .? ;ri71 W -d r c CLA) SHERIFF'S RETURN - REGULAR CASE NO: 2007-06797 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PENNSYLVANIA STATE EMPLOYEES C VS CARTER-MANN DAMON DAVID MCKINNEY , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE CARTER-MANN DAMON was served upon the DEFENDANT , at 2029:00 HOURS, on the 13th day of November , 2007 at 100 S FILBERT STREET APT F4 MECHANICSBURG, PA 17055 DAMON CARTER-MANN by handing to a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: So Answers: Docketing 18.00 Service 9.60 _ Affidavit .00 Surcharge 10.00 R. Thomas Kline .00 37.60 11/14/2007 VAN ECK & VAN ECK Sworn and Subscibed to By: before me this day Deputy Sheriff of A.D. PENNSYLVANIA STATE EMPLOYEES: IN THE COURT OF COMMON PLEAS CREDIT UNION, : CUMBERLAND COUNTY, : PENNSYLVANIA Plaintiff NO. 07-6797 Civil Term VS. DAMON CARTER-MANN Defendant CIVIL ACTION -LAW PRAECIPE FOR JUDGMENT Enter Judgment in favor of Plaintiff and against Defendant, Damon Carter-Mann for want of ANSWER TO COMPLAINT. (X) Assess damages as follows: Debt -----------------------------------------------------------------$19,757.26 Attorney's Commission ------------------------------------------- $3,976.45 Filing costs ---------------------------------------------------------- $to be determined TOTAL -------------------------------------------------------------- 523.733.71 plus costs ( X) I certify that the foregoing assessment of damages is for specified amounts alleged to be due in the complaint and is calculable as a sum certain from the complaint. ( X ) Pursuant to Pa.R.C.P. 237 (Notice of Praecipe for final judgment or decree), I certify that a copy of this praecipe has been mailed to each other party who has appeared in the action or to his/her Attorney of Record. (X ) Pursuant to Pa.R.C.P. 237.1, I certify that written notice of the intention to file this praecipe was mailed or delivered to the party against whom judgment is to be entered and to his/her Attorney of Record, if any, after the default occurred and at least ten days prior to the date of the filing of this praecipe and a copy of the notice is attached. DATE: Signature: qyAd?-Z- Melissa L. Van Eck, Esquire Attorney for Plaintiff 7810 Allentown Blvd., Suite B, Hbg., PA 17112 (717) 540-5406 ID#: 85869 NOW, . as "d , 2009, JUDGMENT IS ENTERS AS ABOVE. Pr onotary/C iv Division By: Deputy Document #: 180057.1 . , A- PENNSYLVANIA STATE EMPLOYEES: CREDIT UNION, Plaintiff VS. DAMON CARTER-MANN Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 07-6797 Civil Term CIVIL ACTION -LAW ENTRY OF APPEARANCE Please enter the Appearance of Van Eck & Van Eck, P.C., as counsel for Plaintiff in the above captioned action. Date: January 15, 2009 Respectfully Submitted, VAN ECK & VAN ECK, P.C. By: V Melissa L. Van Eck, Esquire Attorney I.D. No. 85869 Henry W. Van Eck, Esquire Attorney I.D. No. 83087 P.O. Box 6662 Harrisburg, PA 17112 (717) 540-5406 Attorneys for Plaintiff Document #: 180057.1 PENNSYLVANIA STATE EMPLOYEES: CREDIT UNION, Plaintiff VS. DAMON CARTER-MANN Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 07-6797-Civil Term CIVIL ACTION -LAW TO: DAMON CARTER-MANN 100 South Filbert Street, Apt. 04 Mechanicsburg, PA 17055-6563 DATE OF NOTICE: December 31, 2007 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A 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 CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGHBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 1-800-990-9108 (717)249-3166 By: Melissa L. Van Eck, Esquire Attorney I.D. No. 85869 P.O. Box 6662 Harrisburg, PA 17112 717.540.5406 Attorney for Plaintiff PENNSYLVANIA STATE EMPLOYEES: CREDIT UNION, Plaintiff VS. IN THE COURT OF COMMON PLEAS CUMBERLAND-COUNTY, PENNSYLVANIA . NO. 07-6797 Civil Term DAMON CARTER-MANN Defendant CIVIL ACTION -LAW AFFIDAVIT OF NON-MILITARY SERVICE COMMONWEALTH OF PENNSYLVANIA COUNTY OF DAUPHIN I, Henry W. Van Eck, Esquire, being duly sworn according to law, depose and say that I am the Attorney for the Plaintiff in the above-captioned matter, and that to the best of my knowledge, information and belief Defendant, Damon Carter-Mann, above named, is not a corporation and is not an adult individual under the age of 21 years of age; is not in the military service of the United States or its Allies, or otherwise within the provisions of the Soldiers' and Sailors' Civil Relief Act of Congress of 1940 and its Amendments. AN ECK & VAN ECKa, P.C. By: Sworn and subscribed to before me this day _1? of January 09 I'W Notary "Public Renry ` Eck, Esquire Attorney 3 No. 83087 P.O. Box 6662 Harrisburg, PA 17112 717.540.5406 Attorney for Plaintiff NOTARIAL SEAL No rV P, MELISSA L VANECK NoarV Public FWEST HANO ERtTWR DAUPHIN COUNTY MMIS SIon ExplreS Mar 22, 201 1 Document #: 180057.1 90 X? ,a i?ip ip PENNSYLVANIA STATE EMPLOYEES: CREDIT UNION, Plaintiff VS. DAMON CARTER-MANN Defendant TO: Damon Carter-Mann, Defendant You are hereby notified that on the following (9Eder) (Degree) (Judgment) has been entered against you in the above captioned case for Your failure to file an answer to the complaint. A Judgment in the total amount of $23,733.71 plus costs is hereby entered. DATE: ? - P othonot I hereby certify that the name and address of the proper person(s) to receive this notice is: Damon Carter-Mann 100 South Filbert Street, Apt. #F4 Mechanicsburg, PA 17055-6563 A: Damon Carter-Mann, Defendant, Defendido/a (Defendidos/as) Por este medio se le esta notificando que el del de el/la siguiente (94m) (Deerete) (Fallo) ha sido anotado en contra suya en el caso mencionado en el epigrafe. FECHA: Prothonotario Certifico que la siguiente direccion es la del defendido/a segun indicada en el certificado de residencia: Damon Carter-Mann 100 South Filbert Street, Apt. #F4 Mechanicsburg, PA 17055-6563 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 07-6797 Civil Term CIVIL ACTION -LAW Document #: 180057.1