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Home My WebLink About08-0580IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES NO. O S - 5186 CREDIT UNION, Plaintiff VS. AUBREY C. KENNEDY Defendant : CIVIL ACTION -LAW NOTICE TO DEFEND Pursuant to PA RCP No. 1018.1 You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after the Complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CAN NOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717)249-3166 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. AUBREY C. KENNEDY Defendant CIVIL ACTION -LAW AV I S O PARA DEFENDER Conforme a PA Niue. 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) digs 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 mds 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. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717)249-3166 1-800-990-9108 Document #: 180057.1 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff VS. AUBREY C. KENNEDY Defendant NO. 01- .S' Y6 CAI;' Q -7Z-- 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, Aubrey C. Kennedy, is an adult individual with a last known address of 3580 Ritner Highway, Newville, PA 17241-9120. 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 16. Despite Plaintiff's reasonable and repeated demands for payment, Defendant has failed, refused and continue to refuse to pay all sums due and owing on Defendant's loan account balance, all to the damage of Plaintiff. 15. As of January 24, 2008, the balance due, owing and unpaid on Defendant's loan account with Plaintiff is the sum of Eight Thousand Nine Hundred Ninety-Three Dollars and 23/100 ($8,993.23). 16. 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. 17. 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 Eight Hundred Twenty-Three Dollars and 65/100 ($1,823.65) have been added to the account. 18. Any and all conditions precedent to the bringing of this action has been performed by Plaintiff. 19. 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, Aubrey C. Kennedy, in the amount of Ten Thousand Eight Hundred Sixteen Dollars and 88/100 ($10,816.88), plus interest, the costs of this action, and such other relief as the Court deems just and proper. Respectfully submitted, VAN ECK & VAN ECK, P.C. By: Melissa. VanEck, Esquire Attorney I.D. No. 85869 P.O. Box 6662 Harrisburg, PA 17112 717.540.5406 Document #: 180057.1 VERIFICATION I, Harry L. Smith, Manager of the Pennsylvania State Employees Credit Union verify that the statements made in the aforegoing document are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. §4904, relating to unsworn falsification to authorities. Pennsylvania State Employees Credit Union By: Title: Co i s M 6-e Date: L b Document #: 180057.1 E CM--I IAAO r^ • " Pennsylvanra Stata'Employees"Credit Unron';''. •+ •'. POBwd701J• HuASUp,PA17104NfJ rnPar.arrorlYwfaJfaJ:a No. 5597370 • AUTODRAFT • VOIDOV&I 1,20000'O + REFERENCE"' 6407276271 , VDID•• .,• Q•• ^/? 120,DAYS ,AFTER, 08/17I1-006 ''' •„ .•!PAYTO.7f1E 1 l,'1 '%' f T' ' :; +' r i ,'.:.• ,.. 0Z/ ////1:.. •' t r •+??•,' r, r f' !? / ,r, ..r.,:+ • t'. , : / < it l.r r. "ORDER OF.I6EAti LERI! fir! ( I vj? . 'rf.l'.' l.r: i s '. ?•'!'i .AV, .'f' 7. ct 1,!Ir.• J %ii i.%?/ ?r/? .1,Y. r.' ; , ?. '2ev1 •-[ YIQUSQYt( -{1,J0 ?gL'ttArec : Oti1c[. ? ?U8v7•?e.1 t?e?? {J?i 'dri%/•'? • ?r? .' 7TAN91.,D Tr VOID' LESS DEALER ENDORSE MENT,COMPLETEO,•? 'MEMO EtIePIAEA.E ',• r' •.,, ? F61e15few-dy.eV.hk,1.41slyVv 1hi ?A4I;d It ..VW. nm Ii tha leans ih tad'.n thn taver•e elds•WpNeTiNa AUtWrtlib.e.rr.{PC{pf the dta0%di,npNr.Tewrnp P.v-.tMfomlOeM1:en?M the f erlM Baradocn ..?rMwnd•6 M. ?,AUMTrynhrU H.m.b.9 (01 P•Trelr h..t Pa,men{ hitldrdsr.r:w•$y+capriry U?psettad.ef Wadr iliry^•1 q.a.1aY Pna?r!c/,'•O.MaM1tl3Y'??WWa+1 af1N ?,S.' antflY :•: 4y ,e''•? tM l.emebMl0M1dr 1•Y4M edR::/?.%%v3adu odxiit T.TaTaau+'.•, ir,.. ,i? J,?'. ? r 1 , ?fII e - •: .. .'" '' •.I ' rlJuw.•., •r.•i Ve, e- r!'J!!,' 1:. 'Y?. leinherEti?fanaisltin[f .aD <,?: ?., ••?+ ;' GCCQ2 _ ataA w•t hnforc Jr 'r'r ?;: ?' AUIf CKiANEDY.r 1;•' rr, j" UI r Iw r . i -ab k, •• , • bI _ • Ca•APPlleant ErtdorP.monl ,•.:/+ N.NI A? ?r '• u ?'?,rttu? ,e i :•. r.' f,• r r• t?:. d ??L PH >IP: 11!' Kf) CQ•AE P(1f as 559,737004 23130Ir i 16ra 3 &0 2 ><909031i? i,t, rr0000 L9270 0dr - ?.. .. r Ir?z$g°g jai ?w rr! 25199 083006 593 82, a 3. °c lidP v Rag p m mns qa - ON ys lit D 6g1. f.•h$? ?.g,11!a I?aSddd Lh f r-J 7S1E 3 3-?e?'?9 O v; r?': n mA cam its r= $? Qin II o I?^$reAg?ep•ro?7 fULiGI e?1Gf iIX3Jo11741Z( ?V! m 08-•pp66L 181c5Ti77 + ids .' ' 1145611074 { ?? 's atl €a?1 Cr"?ae?1? ??5se 71, S. 0- L L E UT I G- U, -9 84",0,11?°e6P7-t f . 4. ADVANCE PROCEEDS VOUCHER AND SECURITY AGREEMENT P S E 1 Pennsylvania State Employees Credit Union P. O. Box 67013 Harrisburg, PA 17106-7013 717.234.8484 800•237.7328 MEMBER NAME . DATE F11EMB?fT A000C/NT Nl11ABEF? 1=Na(ENU)ABER AUBREY C KENNEDY 8/30/200 8407276271/L10 0005597370 3580 RITN ER HWY _ NEWVILLE, PA 17241 PURPOSE: Dealer Purchase TRANSACTION TYPE ? ? OPEN-END ? ? HOME 1 NEW LOAN 2. AN ADVANCE LO 3. (DESCRIBE) 4. EQUITY ADVANCE S REDIT DISABILITY YOU HAVE PREVIOUSLY ELECTED TO HAVE THIS ADVANCE N U E W TH H I G CO CREDIT OI NT CREDIT LIFIh I S R D I E FOLLO T W N VERAGE YE NO YES El LEl IN NO O YES DAILY PERIODIC RATE ANNUAL PER- INTEREST RATE IS AMOUNT REQUESTED D UN PREVIOUS BALANCE NEW BALANCE (CHANGE IN TERMS ONLY) CENTAGE RATE FIXED +OTHERCHARGES VARIABLE AMO TA VANGED i '"• = ` -: ;.:' :° .0170959 6.240 % ® f [] 19, 217.09.? :off. ,. 0 . 0019,217.00 PAYMENT DUE DATE PAYMENT FREQUENCY PROJECTED LOAN TERM 320.66 9/29/2006 Monthly SECURITY OFFERED IF THt8 IS A HOME EQUITY ADVANCE, THE ONLYSECUnITY FOR THIS ADVANCE IS THE REAL PROPERTY (IN MOST CASES YOUR HOME) WHICH YOU GAVE AS SECURITY WHEN YOUR ACCOUNT WAS ESTABLISHED. IF THIS IS NOrA HOME EQUITY ADVANCE, IN ADDI RON TO THE PLEDGE OF SHARES INYOUR LOANLINER• CREDrr AGREEMENT, THE FOLLOWING PROPERTY SECURES THIS ADVANCE. REM PROPERTY MOD! L`: EAR', CD. NUM 1 BMW 2. 3. 301 2002 WBADT53111CE92635 SDN 24,115.00 4. OTHER YOU PLEDGE SHARES AND/OR DEPOSITS OF $ IN ACCOUNT NUMBER OLD ACCOUNTILOAN NUMBER A PAYOFF (PRINC. + INT.) OLD ACCOUNT/LOAN NUMBER B) PAYOFF (PHiNC. + INT OLD ACCOUNTILOAN NUMBER (C) PAYOFF (PRINC. + INT.) OLD ACCOUNTILOAN NUMBER (D) PAYOFF PRINC.+INT) OLD ACCOUNTA.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 sharolshare draft account, you agree (1) that the properly reforenced above will secure the advance and any other advances you have now or receive in the future under tho LOANLINEW Credit and Security Agreement (the Plan) and any other amounts you owe us for any reason now or in tho 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 CUNA MUTUAL GROUP, 1980,82, 84, 88,89, 98,99, 2000, 01, 04, 0Q ALL RIGHTS RESERVED PENNSYLVANIA STATE EMPLOYEES CREDIT UNION FORM #3175 JVXXO100-1 037-2092-1 (8100) .; :..:.,..; ; .; ....: .:.; .::•::• ........................................... :. •.; r irig::KKthlgtO ?r.559737:;•APp'ru+ie:•. ( zk:S;Kndar.•::::::::::;:::•::::•::::;:::•::•::•:SubmiCl eel?w, ( peg:: Application Received: 08!17!20013:: Time Received: 12:50:28 Application ID: 559737 Branch: IMPORT 1 ?' t .....................................:.:<: :••: .......... Source: 1 HHYU 1 :4 Cross R of #:::: >:::; ;::•::::•:: Source of Repayment: Secondary Source of Repayment: Product: DL - Direct Loan -Vehicle loan (23) .'t .......................................... :... .......... `. . Prea roval. ::;W.. pp Application Loan Type Regular . ................ Title First Middle Last Suffix Name: :.......: . . ; UBREY :::?: C :: KENNEDY : w. Birth Date: 0210111985:::::: SSN: 544.31:6384::: R:L66ki?p:: R Total Number of People in Household: Fj Citizenship: US Citizen : ". Borrower Type: Applicant :-1 Spouse of Borrower: N; -- Marital Status:. Mother's Maiden Name: CB PI N:::>:::.:::::i: ::•:::•:::•::•::::•::':::::'::'::':::'::'::'::'::'::'::':: E mail: ? : AKAlFKA: `? :<E U:ulcrnrtill e Review 9/26/2006 3:a3pm-Page 1 o1'9 INT0. Foreign Address:: ' .................... .. Apt 1 Bldg 1 Unit "'""" """ Number Dir Street Name Dir Type Type Number • Standard 3580 ':: F, RITNER HVJ`( i .... - Rural Route RoutelMilitary Type:; Plumber: Box: PO Box ......,.; i FO Box: County: Line 2: City: NEbdVILLE State: ..• PA Zip: 17241 Province: Country: Postal Code: ::::•::•::•::•::•:::::: Phone: (717j 776 5424': Ext: =Residential Status: ',,Lives wl relative v: Time at Address: ?yrs 04 mths • .: Phone number verified.:---: Address verified. Mr ;Applicant's mailing address is the same as the current address.;:; .Collect Previous Address Information. ....................... Position: <CONSTRUCTION : ?::Unemp/Student/Homemaker , ............................................... : Activedutymilitarymember::: Employer Name: KEYSTONE ENVIRONMENTAL Phone: (717J 8601218':: Ext: .........: City: State: :F Verification Phone: ( J ...................................................................................... Borrower Code: j Non Employee Loan Time at Pres. Employer: yrs 0 mths Income: Pa Basis: Proof of income received.. Gross Salary:::::::::; :::'::20000.00 ;Annually .::<. Em to ment verified.::::; :.... P. 5' . . -------------- OT/Bonus/Comma ,Annually ....::v: M Income verified .................. ....................... Other Income: ;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 Ttl Collateral Value: 0.00 StandardAdvance: :::': 0.00 Exist Liens Not Refi: New Loan Request: :::;::20000.00 Credit Limit 1 Maximum Loan Amount: Purchase Details Selling Price: : :: :0.00 DownPayment: Rebate/Other Equity: ::::::::::::::'::::: 0.00 Net Trade In Amount: t_irdznsritir Review :.:.:..•.:.:..:.:.•.....:.. ' ' ::• :: .. D. ete. Standard Advance X Loan to Std Advance: :::0000 Loan To Value: '::;:0000 Tax Rate (%): :::::::: :0.00000 Tax Amount: 0.00 T itIe: 0.00 License: Amount to Finance: 0.00 9/26/2006 3:48tnn - Page 2 u N Creditor Account Number Payment Balance Type Last Act Date PO Estimated Payment 297 20000 1 housing 0 0 H Alim, child sup, court ordered 0 0 Ad'ustment 0 0 A :; S:dd: •`. ;: :;::p s lec# ; l3ns;e3??cted Sl Debt Ratio: LC Debt Ratio: Total S1 Pmts: ......:......:297: S1 Proi Debt Ratio: 18 Original Application Factors used in Automated Decisioning ............... Housing Pmt: 0 Other Expenses: Application Loan Pmt: ':?::::':::::297: -01 Total MonthlyAdj: LC Proj Debt Ratio: Total LC Pmts:_ Current Application Factors being utilized by Underwriter Housing Pmt: Other Expenses: Total Monthly Adj: LC Proi Debt Ratio: Monthly Income Summary Ratios Gross Income: ;1667: Revolving Debt + OT/Bonus/Commission: .--'. Housing Debt + Other Income: ::;: OI Total Revolving Line: = Individual Total Income: Combined Income: '::'::':667: Net Disposable Debt: Application Loan Pmt: :29?7J?: Total LC Pmts: Residual Income Summary Total lncome: :';1667: • Residual Adj: :•:_ J - Total All Pmts: '::'::::;::;: i:i 297: = Net Residual Inc: 370-.' Net Disposable Income: ;:: i:: i:i:;1370- ih rn ruin _Rcvic 9!262000 3: 8pm - Page 3 of 9 ............ ..?. Product: DL . Direct Loan . Vehicle an ....................................... (23J #ofPayments::;:;:84 Payment Period:?Monthly Total ,4mountFinanced: 20000.00' Total Collateral Value: ':;;::D.00' Combined LTV: 0: Estimated Payment: ::::;::;:296..95, :. Total Debt with Us: ':Current System Decision/Recommendation: Non-Decision;:::: Decision Party: Applicant KENNEDY, AUBREY C (544-31.6384); Application Score: ;:207; Cutoff: ;:185; Score Summary: Borrower Bureau Model Score Missing Fields KENNEDY, AUBREY Ex erian Li uidCredit Final S 2071 0 KENNEDY,AUBREY Ex erian Li uidCreditA Sc 37 ;Manual Loan Number :4-11 Loan Date: 08!17!2006'::'Q' :.:.: :.:...: Loan Number: Suffix: Disbursement Date: 08!17!2006;::p' Reported Amount: Maturity (Due) Date: 08!17!2013': ?, Primary Collateral Code: ;Vehicle loan Down Payment: Funds Request: thew ; New Funds Amt: -- --- --- -------------- Payment Type: Installment ::?? Interest Accrual: Actual/365 ....w Payment: ;:: : 296.95: Total Requested Amount: :..• ..::...........: Interest Rate: 6:49000: Final Payment: :.:::296.68: Loan Amount: :`::':20000.0(1 Maximum Term: ;:: '84: + Total Financed Fees: 00 + Total Financed Insurance: 00 :..:..., Interest Rate Lookup: • • = Total Financed Amt: OU I Decision party :sn: rate. Rate Type:; Fixed • Use : ..... .f Lock : rate. Rate Lock Date: f? l Tiihrn•riting_ Review 9/26/2006 3:49pm - Page 4 of 9 Credit Life Selection: None ....... Plan: ` ........................... ..... F .. Selection: None Plan: < .................•••••••••--...- ... ...................... •................ Disability S ... w... Coverage for: applicant KENNEDY,AUBREY C (544 31.6384): ........................... Credit Life (Decreasing) Credit Life (Level) Insured Amount: Monthly Benefit: ;::;::'::'::'::`:::::0.00 ::::0.00 Premium:::'::' Cost Per D ay : .............. End Coverage Date; Coverage Term: Date Interest Princi al Balance Disability 00 00 0.9/17/2006 ... . . . . . . ......... .10..Z.4 .... ... ....... ... ..... ........... .,.813. . ..29 .... ..... .......... ... 296. -. ...... 10/17/2006 .................... 105.69 ................. 191.26 .................... 19,622.03 ........................ 296. ............. 11/17/2006 .................... 108.16 ................. 188-79 .................... 19,433.24 ........................ 296.9 ............. 12/17/2006 ................... 103.66 ................. 193.29 .................... 19,239.95 ........................ 296.9 ............. 01/17/2007 .................... 106.05 ................. 190.90 .................... 19,049.05 ........................ 296.9 ............. 02/17/2007 .................... 105.00 ................. 191.95 .................... 18,857.10 ........................ 296.9 ............. 03/17/2007 .................... 93.88 ................. 203.07 .................... 18,.6.54._03 ........................ 296.9 ............. 04/17/2007 .................. 102.82 ................. 194-13 ....•............... 18,459.90 ........................ 296.9 ............. 05/17/2007 .................... 98.47 ................. 198.48 .................... 18,261.42 ........................ 296-9 ............. 06/17/2007 .................... 100.66 ................. 196.29 .................... 18,065.13 ........................ 296.9 ............. 07/1712007 .................... 96.36 ................. 200.59 .................... 17,864-54 ........................ 296-9 ............. 08/17/2007 .................... 98.47 ................. 198.48 .................... 17,666.06 ......................... 296.9 ............ 09/17/2007 ................. 97.38 ................. 199.57 .................... 17!466.49 ........................ 296.9 ............ 10/17/2007 .................... 93.17 .................. 203.78 ................... 17,262.71 ......................... 296.9 ............ 11/17/2007 95.15 201.80 17,060.91 296-9 APR: ;:;::6:49000 Interest Payments: ;:::;:::1:63 ......;;:110.24; Total Interest: Premium Paid in Cash.:: ent CL Prm Dis Prm 5 ........ 0.00 .................. 0.00':::':: ............. .:.:.. 5 . ...... 0.00 ...... .... 0. ...... 5 0. 0 0 .... 0. 00,::`::`::* ...... 5 ........ 0.00 .................. 0. 00': .............. .:.:.. 5 ...... ...... . .0.?..... ......?.: ?,•: "' 5 ........ 0.00 ......... ......... 0.00'::': ........ ....:.:.:.. 5 . 9.00 .... 0. .....oo•i •::: ........ .......:.??...... ........ ?...::•::•:: 5 ........ 0.00 ................... 0. 0 0': ...........:..•.:.. ... ...... ....... ........... ..... 0.: , ?•.: x: 5 ........ 0.00 ................... 0.00': :.:.. .............. 5 ........ 0.00 ................... 0.00'::'::: ............. .:.:.. S ........ 0.00 ..... ...... .....?- ??:::•::•:: 5 0.00 0.00':: 5 0.00 9 9 0 - 00':::': i t# of Interest Payments: :;: 84; Total Payment: :::;:: 24943.53 :.:.:.:.:.:.: :•..::•::: •. ;. :•: :: :•::•: :.::.u :':::P•.rirrf:Calctal3tipn:S....ij.....:'• :<:::::::::f?gLq'tnort+z trOJ7:::::•:::: . Number of Pmts: '::'::'84: Pmt Period: Monthly +• 1st Payment Date: 09117goo : N:End of Month? State: i w ..................::i U i1 lcnvrirng_Rc ew 9/26/2006 3:43pm - Page 5 of 9 . ..................................... Credit Decision based upon: W: Credit Bureau?:.: :Affiliate or Outside Source! ........................ ..................................... -------------------- 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, 1HHYU1 I Disclaimer Answer AYES orCYES AYES member requested # of payments 0 member requested payment freq .............................................................. Type: All ?• )8/17!200613:48:06 General LGOSS:•::•::•:::::::•::•:::•::<: ::•:::•::<::::::•:::•::•:::•::•::•::•::•:::•::; ::•::•::•:::•::: ........... •::•::•::•::•::::::::::::::•::::•::::::•::•::::•:>::::::::•::•::;:•::::;;::•::•::•::•:>::•::•::•::•::•:: 'AYSTUBS RECEIVED INCOME VERIFIED :•::::::::•::::::•::::•::•::::::::•::•::::•::•::•::•::•::•::::•::•::•::•::•::•::•::•::•::•::•::::•::•::•::•:: UndarnriMig Rcvicw 9/25/2006 3.4°pm - Page 6 oF9 EXHIBIT `B" i 3 i i F1 + 1 ' j d r V1T?. tJGv ° y/?tl i:?.?vt?vrr[a# a} fli? I'?L":`r t` rl E1 s77 1r..l '"t b l "oh)- t• + M 1y1LSk t >i Y. dd tc ; L a9 w Loan Disclosures t vrs~ddty4 't` } ? 7 r R-11 at•. b° i i>r' .i4.ti-e h,-.: ,c. :1 -1 ?, _>,.,..,r,{:8 ... -e'.,, n 1' , :ii- fll i r r '•-'!`i3 r:Ce r b .F t_< the P'-: r.i , 4y A:1 !t1l iou your ar ; bo r"w a r o ,.no i f - c .. • .I _e rs ht Creek( unirrn we. our 1 c! us i r _;•;x:c > ..`.en set P,,-,vide any 7.0!1( PS r rya r,J , ,rip l t..? e h.,, 4 ui + r tl:• PERIODIC STATEMENT Or, -1 re u'ar Eas I 'e a s!alemcilt = r,GW THIS PLAN \.ORhS l i ? c it I rid. < n, t"h aI: trsr _ . r,; ender .. Plan d.. I, a !flu t er.6d covered cy ;t.. _ ,.. _r .c..t `retch t.mW tr.,i -e. , it nor nw rno , ;Ca:!;>u -bras') ,.Halo State E,I fs an] nc.- es :v?I be s:, u ;u t ,t: :ro,t recent address you rare All are not required to make advances to you under the Plan and can given .is in "r,r t nc, Unless appli c bl& I;:•r regenres r,utlce. io each is;, t b ricy.er, refuse a request for an advance at any time. T e r ddc; : fui 1 desor b- the notice io any one Jr ;,-a b- no 'ce to all e' - )e -I €a I e 1 u ?4t u „ , '? o u ,aer t u f I: n, cu tr'it JOINT ACCOUNTS - if this is a tort account, each of you is inrl v,cfuai! ,., ict t„ La(;'! t .4co nt as rYpr a c r 3 :+aiF;r (eC<:!ic -te and r:sponsibla for laying r•+ a- t.ntowed. That riearswe can c'n,',orce our ri r.ts in ary a r r t r y r r and he cr,. ge,_ it may also h<ivc ct:t r ;under hp P,an against i;,nactyx ncfiv!d la'Iy r I ,crateas( all of yrou to 9 re t. r if ros r w u you i .r't; e p ynt : a runts. ylre us Incon1 ils t. It Instruct+ons• we can rein l to .o+;ov your .n51 Ju iotls. t'i !P t ';r ` CREDIT UMIT e 'n,, nit do n ,A t ,a erns . . credit Y-flit on L e r.n w ineoo:'cy regt Ares all of you to sign fcr n ari once each of you au!hnn es r.e -'s it a _ -C:t ..t . .> r a alb, t, y+,u promise not to exceed t'le (then;s) io ,)btain advances individually and agrr <,s to repay advances made to he c i I "Al exceed n u it unlit you promise :o rep.^:' other(s) Acy ;oi .t accr>untholder m jy terra i^ to t^.e P. an by grvin o us „uivr r; -3n y rr .. ,. ,.cn:. .r: ,=xcc,uda the <:edi; !im t. notice. If any of you term'Tat- the Plan, the, P'ar. -; :e rrunated or aii of you. , u REPAYMENT 'u per n 1SI to aU y a!! _ r.ounts you ow© under the Plan pills ! remain iii a die individually and ointly for all advances Incurred before ter ninaainr t di v: .he xst J:y ut tt Jnt ni3;3'rr8 set a dit?-rv'rt Cay FEES AND CHARGES - if you give us - security interest m certain types of , i, <e •f •^N :A d r, cr r as o Giym nt ,Chedula fr r a property. i : nay charge you z fiilrv foe Ie pe #c ncu merest in e rrttpr rty. if we i , U y >z ipte e ? a e '(le. t ":ICh lt'ty .,Ce :o, the ar owlt of the, fee W I be dis, Ic, er, to Lnl . the it yOu obtain an r , + •ri , it { , n, a st e , wry m ,t"nt y coil tiout h" :ve We m y also c:h<:rgo yiu cite :s n c". tort o! n'ith t e Pan. O current f e e?. ? ) / c.so l nit C '- Icon Tr . a &' t, •e•U l you Illay r ' 9'' .fay ;?.'! d scfcs::d on the ..dilencfum and •.^n:: be added to your ..,a,l i;<J.:n e, <. .a, y?_?.,y, r :, t evh El. yv,; Jwe to ,f y ZI, , '.v+tnari: , ,1 .y 6)feP ,:ant a, ra„L. I-- ve( ,t =yC-, i them i(• cash. - ` ill d zl, lk th i<'ir'y schedu? of paymef s 1 l. r*as r to If) :ne r..yn eta schedule. it you ha. a irirt I, iv UPDATING CREDIT INFORMATION - YOU x ar:isE: that you wilt prompt ., g. os ai, Ml t a reanonse tor paPing all o e draft a•:Pvances r:tten note^,e ,t you mov a „hhage your rime or cimployment or if any Ct:Hier Y + t - f rn:atlon you provided to s ti.hanges Upon our st, v^.u r.,'so r, irc3 'n t - el st 1 , aft cr ,n . e` , t hr ,e re , 1 d by c ?r I .<, :u a io, 'ts a.,, c ;,.,der n pier n -t.3 ..nr t the u "vide us (.pert ,d r- ant,'al niorma,ion. ^'•,' c reties DEFAULT --- The following paragraph applies to borrowers in Idaho, Kansas, P -j\N ACCESS --'(b, : ,.: Bain Credit ad'r:i. c ,s ar:y rnt inn.,r aWhorizod by us, ", i Maine and South Carolina: -roll t,;l' be in defautt if you do r<at rnak,s i p=lc tier t nt va ::ri n , U to :;se your \i Li aL'it card to s „cess then F'a=t, you may be liable It., !ale the c:rruurtt racvirad '.vhen it ;s due `rct writ also be it d: t3u:t if we heilav . the " Y' 1' e f ynvr "TL7:Oet,it card. You will not be .able for unauthorized use prospect of payment, perlarman,;e?, or r=aiivatian or tiny property given as secu:ity their -,c,C....S n:,cr J:>+-1 notif!J US, orally or in writing, of the loss, ((left, rr possible ! is signi .camly imparted. i1•.J ,, zed i se. If yiA `?i'ievo your :NTM IDGht cwrd hies bean lost cr Stolon. i The foilowing paragraph applies only to borrowers in Wisconsin: you v.+.. ;e in 9i r r ,E a t t rilr oy calling ,vr: +rig us at ;he to 2chone umber cr de.tault if you tai! to make a payment whon ;the two times during any t2 rno^irh < t a';.ew r 'r+ tre P;an. she .,and •s used to .,k,.am unat th rized i period. You will be in defau`t if breaKrg any promise made urder the Plan r e (a•ly wt _ -1'. Lr,.,ly ,m the f ;,..a, your ],.ability will rot exceod $50. it the unaathoi!zud impairs your ability to repay what you oxie or mate'-aHy impairs the cordition, vague, i,e) 1 Is tror - slu!edr fff account, your lfabiuy is governed by the Regulation c? ! or protection cf ar our right in any property ylu gave as security. c _, recei ed at he 6me you recarved your ATM/Debit card, ever, if the ? The following paragraph applies only to borrowers in Iowa feu writ be in ,.,::-: It fei;, . s advance being mace trorn your 0verdr8f1 subaccount. ? default if you are more than 10 days late in making a payment. You till also be in FINANCE CHARGE -- The dollar arnount you pay for money borrowed is called a i default it you cio not comply with the terms of the Plan and your failure to con ply am a, ge d begins on the date of each advance. A finance char•Ja will be materially impairs any property you gave as security or your ;ability to repay .r"iat you Ica + rpa ,te'y for each separate balance un"Pr the Plan To cor*rpute the owe uglier :^a Plan. (Ir r,ce c arafs T e unpaid balance for each dry Since, yo +r fast payment (or since r :,d P :f you n !ve not yet made payment ) is m .,D'•ied by the abp(w,lbta deity The foilowing paragraph applies to borrowers In all other states: You w,'I be in a n - rat. The , m o. these an "tins is ho finance charge owed. The balance default if you do not make a payment or the amount required when it is due. You will r.i to c .p..ta the finance charge is the unt)aid balance each day after payment; ? be in default it you break any premise you made tinder the Plan or if anyone is in i defatrlf under any security agr"eernent made in connection with an advance under r.c' c; , --, to in ..r € t'?c a have bapr •+ubtrr tied and any additions to trio balance the Plan. You will be in default it you dir. file fnr bat Kndptcy, become insolvent, if you ! n;:? Dt4er r :tai r." -<:cltion to intr,r,;st, the In AY r harga other finance charge t .hick I make any false or misleading st<_tten:eats in any c; edit application or update of credit . r„ dis t ea on t i , Addendum. If tk a West rate ?s a variable interest to e, the i ,nformatior, or it something happens we believe may Substantially reduce your Ex i l > h(. ,.,v .t +, ir,ntl e 'cr<, , rata wori?r i ability to repay what you cave. YOU wiif be in '€efar,i*, If any property you ha vc rjiwen SECURITY - rJ ledge a3 seC.,-ity for the Plan alt shares and dividends arid, it as security is repcssessed by someone else, 5e1Zed Under a forfeiture or similar r a , td rift's, in dl Io nt and individual account y( "u ha',c with us law, or f a +y(N ig else happens that significantly "ects tiie value of the propel *y or e ic. a..f t , i.... Jw,ar ami.uM 's ptedrer, for an advance w wii! I our saci;nty interest in it You will iris," be in clefaul, :1 relic rice Flan :f you are in dah<iulE if, a! - ; L n, L., Ir'e eX* rl Of 1t, ie ts rot g ata.rice 'Or iii- ' under any rrae' loan ai.Feament W tat Us. J: - r i_.. .r uyeL Nr, res in<i; oa Klti .atm orqe45 ycu era in ACTIONS AFTER DEFAULT - Thn following paragraph applies to borrowers in t. The 'allowing paragraph applies n all states except in Ohio Rhode Colorado, District of Columbia, Iowa, Kansas, Maine, hfasSachusetis, 6llssouri, 1ar;0 and liras achusetts y .lave a sit tc ry ien or to shares and virlends are it a ,•r,.,_ . -.> and " erESI in a ! ir,;iwiau_.I :.. ad loirt accounts you hale with I Yar, in Nebraska. of ar?+ South 3Carou hhee and nd West 3 laet anlc331Virginia: sbar te o is atv you car care r, u cefa and ,(ter ; :et t you p our efauit, we can y e nJ to en r rh -xt rr p.rm'ttrd by t c law i..:n':ealat -t.nr <;? th- ^p,:; „ai<. ce u.r>.?r tf?e Plsri w,i cu: Irti.'i_!.e e to 11 -a,n,?nil -'e if ? . For all bon rowers. The statutory fie.n and/or your pledge will allow us you ado:rca . c.C e.o fluty the hinds in your account(s) to whtit you owe when you are in default. The following paragraph applies to borrowers in ail other states except Wisconsin < ? -:r: ... „.'y r-. _ ': .era, treat r _a, and toutsiarrr Wt, en you ;r try .t. t. . e c: r u• t lit. .r..l;l+e ,rl. r•cir't n _ c: .l r_ct if tram , r , ;r >. .. e or 1 z- e !r,i tt. :I Of !"44 c:r+.tire r ,f>a d ,ia, nu7, t _ All ,• a ..a,.e, ari, thou' ,i.-0 :.... .. , : i der,-_+. C pa)r..;r'. i..e v :(.tent .. .. ,•,>?.. r._.. ,:.] e.rL... :a 2r.w.,.... .,. ;...r f , y a _.: 'A _r ,.'d•.;;;.. It a; The following paragraphs apply to bon"owers in all states except Wisconsin and rte LOlllS li n r i ill E e1 :i a ., 'jiWl d - v xr I" _t:, r ., it.. •; . .(err r -., a:,<,,.e.a. :.." A ti .-.... b, _n rc, ain at 'e F p I(ti "F 3 C is i e ,r'n 1',. iJ T , nl -r` :, E:• ..i. }'.'.1 ., r:" :_ .Cc,. '.1e::' !" ! ,.,.t :-:.::( .. .O•J ,.. .. '•1 -. ._. .. .e ,. ,. .... . I tvc'•' ..,.,., ..rL .. .ir., f All: .. ... gyp?[[ 1- a e __ SF, f, '011, fri ,:. •, e -.1-6 z:: o'-f ' ...<.;,; r y :a1; ._, .:r e.f [,ii r; t? G u . , :.` tr Pay in'i rest ; r'cua: at . it ate cn t'E- s ho following paragraph applies only to Ailisconsin borrowers: Wher. you are 'r rd ",! expirU r'! cif a ty •l,nt have ur ;. r .,; pr c_,LI<1 aatP, i rv ! ct;re your .': :.;? r.J ul _ ,.,Le.,i.3 G ..+jt: e t rJ y.:.a , L;t:-r`..-nr7loan balance unrl•„ t,:e fft ?Se5:5ar r: f ; ,r r!; yn! as cJ `y. 'r:ou nay I.ost!nG..!y give vie i or tee r } ea,( tot xr , r c+.,s,:,n r :he pfope,ty by J It -e Ise S .s> J: r c,i c r. t you y etl to pay reasonftbie expenses ri soo , ny .)I ih _ ur x,? ly It the aparty is a , ;tor veK6e, maul:e home ud , boat c. a,rcrarf. yr, a ii-It aiso be raguiret.] to pay any costs pore road ..n, on 2 -' ,g Ct l; :a Vhsco u. n Sta tutee, You must pay any amount that remains ?a ;".F , e sL:f1o mcnov Lcen app: red to what you owe uncIer the Plan. Y u t'e, T, ,ate Pest Ern iiry l]hLd -,'our t at the s$me rate as the act ante, or, it c:_n'ie..:. r)a r;efac:, rele Jisn,o.,:d on the Addenown, until That amount is pairs: ' t 3 pr c ty ;s located o ts:J s^ a. .n ,f the of debiuit, ue tnay take n of The Prop-arty r,it, oul judlcia. process, it per"fliVed by it,8 S! to where t .r-Iperty is _, ated. The following paragraph applies only to Louisiana borrowers. VJf Err: you area in .wt, we c<'tn •egJ:re imrnndi,.„e p,symeflt (a,c,ete-it,on) of Gnci a+ltire unpaid ,n P! ri, rnv ?,a , arv right yo nav? ) , n1 d'tar pay..^-unt, notice ,. t ;colcras e and o:icA ci accoivral;or. if imtred ate payinent is (i •f r-, vC:, t v.;; G.r-:, lu'a to pay !r-;E es: until bvtat you cwe has ;}eer, repP.Nd a: ,_.r,..,. . , , C,tfoct unless p dcf;cult mite is disc r- ed rn ! ie ?. , n -- ma ;] for r t ed; rte paymnrt has been rnade, the striates and ";i SEsC tf for the P;an Can C,8 apnad ,(awarCdS What yC?U VW'e We a.., s....?:>e an'; c,Ther (gr., yi:en cn/ !c::v 'rthen you Face in ciGf?._':. ,;rnd our .,t:.^...r:.;y cJ,°e.. ent5 i:)C t'a4'e With is. CANCELLING OR CHANGING THE PLAN - rho following paragraph applies i only to borrowers in tlilno/s: We nave the fight to change the terms of the Ptah horn i I o I'm t ;r giving, you any advance ,notice required by law. Atay change to the :,?n ^.r orn>;r charges :Al apply to future advances. The following paragraph applies only to borrowers in Wisconsin: We ran ch na !ne ti?rrns of the Plan from Time To lime in accordance with Section 422.415 F e',.,sc..t s n S:at, es. 'rbu dviii be rio'shed of any change in terms. An increase let Gaily .,er;oo,c rate evader a 4aritabie rate; interest rate is not considered a -. ciu in Terms under the Flan. We an cancei the entire Plan or any part of tna P at ally tin <o you lay canoe, the, Plan at any time by 4iv'ng us prior writtan r.:, face-. Ou+ obhoaiion to pay !-,a Jnpa:d balances under The terms of the Plan co-,tin?e.s l% tt er you or It.e credit union auncel the, Plan, except to the extent tha; y: t t i,i17L41_y is fimitea by Section 4224155 of the Mscr-.nsin Statutes. The following paragraph applies only to borrowers In Iowa: We can change the c he F i n from time to t mo anter giving you any advanoa notice required by A change that i croases the rate cif rsaanca chancre or other charge, that The amount df your payrnonts, of that otherwise adverseiy affects existing c anc.E W:7 aPpry td ex ^.ting ba! inces only if you agree to the change er you use Ie Plan efts r receiving nut:0u that your use of the Plan means you agrEltl I"ie i ante apc+'Es iO existing t-aianc,)s. The fatlvsvmg paragraph applies to borrowers in all other stalest: Vie have lire ; = -a ra siren e ,--r terms of the R':an from time to time after gh/fng you any advance 'i e u d Lay ? _n r,ry t enge in the interest rate well apply to future advances if u r u r t on and ...,z If, tiny -legcnrements o raripllc:able la:v alsi The fci!owing paragraph applies to all but Wisconsin borrowers: An increase in oriel; ,i r,,: ;ate ,ut corisld -ad a chats .n _ s r L1n. t7 e:_n :.?, eaves the rtlre f-'ltatI r,r any p-,., rd In 'f'an al am ` ?i 'fill :=:r. nr L" ,Il,,..a r n .r ...:;r .c+tic?e Ynir nri t.i(±r DELAY iN ENFORCING Rl-GHTS AND CHANGES IN THE PLAN - toil _ iY 'C"! r ,.s l- :S ly`v .. : n-5 .. [.:... 'at .: ., .. set , . Piz-:S CONTI'MJED EFFECTIVENESS NO] t(,E TC UTAH BOFir3OV.1EFTS a .. ' 'pc h.i,•u; t., ... r:: I7 - NGMGE TO CO-S1GNEll -- YOUR SiG!vf1T1 RE ON THIS NOTE MEANS THAT Ye[J ARE EQUALLY DASLE Ft3Fi SEPAY,-`4FNT OF THIS LOAN. IF THL= OORRMVER DOES N01 PAY. i LE1l;0E,1 FI.15 A LtC:PaL RI HT TO COLLECT FFIOf,I ),OU. ;tie tolif.,"ng pr-,,r:rg,.:iPos 1.,)p.:y if -I ?' ?C:rimy it advance under thr• Plrin.'ri-,e / a,,plY to Ji .10 st:. t, s e:,ce; t Lc::i :na. Brij r?;r.zr_ ,r r`th r Stele t: n,.:y tt,S[r Lit :,Sk.a! ,O ene?t,t, n _.. r.a ..... t.tity aJ nets. ,,t. THE SECURITY FOR TL-.E PL;?, ... `;•> _ -: nos, or f rl.. orcL ro art-. .`ore: - r. C] ,(.'I `c:$. y0U vYU1T.iSf: t? g'vOV'S i non-, pry.; lt:y .,.C, . t'/ :4 ..51 1 I. WHAT THE SECURITY RITERFST COVERS,'CROSS COLLATERAL PROVIS.ONS I sec's i y nieresi c.U e t Ariva (,. ftc p . JC r Other ]ocuf,lu! you rerel,e r.1 he irne o. the Alva tee a.no of y r x.ers r,. t, ae or fcrinanci qs of the 'io.,taco. 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 os/e us for any reason now or in the future, except any loan secured by your principal residence. if ! ie s. Perty 5 i goods as defined by the Federal Trar.' Coni`ussitin C;rrit P:r:_h,t,S It.,: he property will se.-.ure (,,r,,;y the Advance if), OWNERSHIP OF THE PROPERTY -- 1u promise t sat sot, ravdn a rl j r, "'O U rive as security or if use Advance s to h iy ne p )pe /, you nrornis f- it ", r: the Advance for that purpose. Ycu prom:..,, Viat no one :vise has acy interest in Cr claim against the property that y'- s11 have not alrc,,aay told us kivut, You pr: z .,s`:- not to sell or lease the propertV Uf CO use It 8S 5t,•i l:f'tf for a iCr3n a:l:.'1 i;n<;then C: erilOt until the Advance is ep 'd :,J p , nice yc)L /I to . no olh? 0 -r y ntVre,' lien to attach to the pro,).rty eiu Ef by your .10 or by I-.!po rv,:.)n r,f ,,,w. PROPERTY INSURANCE, TAXES AND FEES - YC,u (noitit maintain ;)rcper'y - ins-,trance on ali property that you ?i e,, as 1?ecuiity , o: r tf,,- an. You av r . r ac e i the property insurance atom an, to wet, •,rro is ae iptahie to B(j Cfu(j:t Union The amount and cov e r-,e r -'e ) y ?nsurtfric w- rrutit be ,r e t ,x:` to us. You may provide tt t pro ,er / insur;tinc . '.h,ot gt, 2 ;)(ilic.y yc;,o aal(Eia]y r!jvc), or , ;trough a pony ycu '9E '.r d p for. 'r wrl Tae Ir surtanco policy payabltf to us and To de!.ver tit = 'W"! uy Or wrr,)( f ,vt .:gts t,... ;i .skid : or. .r, If YOU CahCel your I FW, IMcca and ,;a a r a, w,,3 h8vo a r c;ht ki the re!,-')r] if the property is los, or d a r iagefi rte tAr the ur a, a--,a :,e eat cr rhf- propery or ept:!y it toU-a ds r roe out,l. cz;, u ii to t- d or t c-.4 or Check which may be payable to y ;., , ,,.1., ',r us to .c. ect anv re`un . is burefan. . due under YOUr Insurance pol;cy -W also to C,a II taxes r u.,, ` Ik;t registration fees) due on ere pripafty. If you do not pay the taxes or foes .i thri p oporty when dua or keep it irsurtxl, the may pay these obligations, but we are r i , eyuired to co so. Ary money ate spend 'or taxes. tees or insura ice wiii be added to lpe l repaid h 14:rce of the advance :sled y'.) A:Ii! Pay interest on those amounts at the sari_ ,ate you agreed to pay On he acrrancz We *I'/ I receit.e payments in connection wil n the in urant e- from a company whtch provir!es The insurance. We may monitor our bars for the purposo tit determining wriethe y::'., al- other borrowers heve C,'0mpii20 Vf1n'tie 4PSU'arice f,iquiremer:is of Cur lilan .yrE _?tc7ntS or may ergagie others to do so. The r t- z-x r charge added c on dvartce n , ,nclud?. (1) the irsurance cornpany's pays e i s tro ,is- and ;2) the t,ost .,t det.:rn:inirg connolianco with the insurance requ!rsments If ::e add arnounis for traxe>s, fc aS or ersurr.r.C,. ';o the unpaid balance of ar advanca, vie may increase yr fir p iyrnc us to par trie atrOWI added within the term of the irsuiance or a,,p(oxiinate tern of the ;vamce. INSURANCE NOTICE --- if you oo r'.of purchase the requir-d procerty insuranoo. the insurance ve may purchase and charge you for dirt cover owy our intefo. 3t ua the ! property. The prormum'or t:,,5 inswance may .,e to her Decause :lie Insurance company rn y have given us he right to ;)L,--hale insurance ai cr u ,insured coilalerai is •.o5t 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 - ff yo r state Issuer. a t,tie for the property. you promise tp have of r SifCu ry Interd5t shown on t, e title. We may rave to file what is called a financing ,t ten' er to pr,tect our security interest from. ,he c!airins of Cthars If asked to do so. Wu pI e to s ,n a n f g sf Ite'r.of't You also pro€r,$R To do WREtever eis& `n:e tt Ind: IS ^<<r.G>?.:.y to Nr3tect out sect.n;i tntrir$st in the property, You promise t:., ,=-v a I ;oils..ICiuding t :nu'. Smit, d .t, :_r d`.t;KCetf ferns: .e hour t9 wotee+n, v±; .. ,:,L,/ i;Je : t :ir-:d igi'.t:, :: th r art t:) tt,e cxtent o rrfi-ef t ?..?.:I?, rw ,1g, ,...... USE OF PROPERTY 1;evi..,?i, rites bfie ),vd ;tl 1 i ?. pt .y` C G I.:Ii"! Y K=?4- ^'J ci Fli! .? 0avl tl•.t :tC..,,. ?. ..:.! .C) hat NOTICE TO NORTH DAKOTA PORROV:`ERS PURCH)ISING A tAOTOR, VEHICLE 'r F F I F", t ,anti .,r r.)U I ..:. .' ? .. t ,. .( NOTICE FOR ARIZONA OWNERS O PfPOPERFY - I' r- ',w s `,: rail! :.r. _ • .? ';? r C?lsr?r't; 4t :>" ,,.«,..:?,. A?l ?Jf + ct. ?r?r. ?tr'`til'ra L f?-'l'?f (i. r,4???ri J?;?T 1 S??x'?t!'??f?-t r?" ?,-t _ ,,., ,. i r"? ? _ s i !\` r 7 .3 •f • ..t..,.-.:.`?,.iv..,??.w?.tm G.-.,... -Y...t.?wr ..,.au:.:Ys.e ..+-4_. n,. >. .,,,.x.t3}'I r_. ?..tA.. ? °r1.ti.-. ?-.._.. _. r.a._.}:.l...r .. .,.,...,. ?a..f .._?o,..._ r, N011 • US If: CASE OF ERRO.I CR OUESTIONS ABOUT YOUR >.. c y zi. f„' .7 S r% p is f arni' ._! tr ce F, :Nt c Ieerrs' ,tl c.,ir .L ?y ;o bet eve sr;, r; rrCi'. s -s an ?., :':fore fv,. ':, ,. elm Vc,tl are not sure about. ,,hr,.:?rd Is ,_) pay .t cred'.r card account a+u'onlatvOy !Torn your share . ' n _a L , rc I c_., -3, c. th© -aymen, on any a,,tount yo.t think 's t pt p,.y 7,l r! qrn; lenfir ,r uea reach. :i,, 1,nipe buslne,:s days before the ,mer-t is set diaed to ,ccur. YOUR FIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR, WRITTEN NOTICE - We rrust a ckrowlerdlge your fetter within 30 days, unless we e c rectt.d `.a er, a. oy then yNivnin 90 days, we must either correct the error or 3. plain wt;v We tie4eve the statement wras correct, $ ,T, e+3,ni re,. the words you and your meal=, each a (I ail of ,Howe who aP lY h„r .t a card cr who signs tn? s Agreement. Card means the Visa Credit C'zird and any :':,f a es a!rd renew t5 a sst:e. Account means your Visa Credit Card Line of C! i.t .teco_m! witr us We. us, and ours nears this Gadit Union. t. RESPONSIBiLIrY - l` wt3 you card. you agree to r&pay all r_abts and ttre r.. <.r , Cr2 Te i crr the use of tl__ card and thra card axount. For example, rC,?, "'It's „:„le &;:f ,g s made by yo ^eiI, yoa.ar spouse and m nor children. c.I:rt r:yponsi:,fe :or ch'a'gas .eta.:.: by anyone else to whom you give the u - 1 tt:a reSi)OnSibility contra. -s u.n,ii the card is r.ixovered.You cannot di 6airn re 3or ,pill y by not;Ninq trs, but vie w-'il close the account for now transactions it you >o r ;e2gt a ')id -turn !f r azts. Your obligation to pay, the account balance continues c,vo a : qh an agreement, divorce- decree or other court judgment to which we are c n v r y d rect you or one of the cthor Persons responsible to pay the 3arount. 2. LOST CARD NOTIFICATION -•- if you _;ai eve the card has been lost or stolen, r., di:.t)`y pale !ha 'red t l•rt,cn at (7': ?) 234-8487 or (800) 237 328. A er •c,r? c:iil 5001 BSc-5ia?B. 3. LIABILITY FOR UNAUTHORIZED USE - Ycu agree to r vt ry cis Immediatety, >rak or ;n w, Itinct of the lo-'s, theft or vrtauthorzed use of your Credit Carat. YOU may tie Il ao e for Ihn 4•n;ac horzed L:sa of your Credit Card- You will not be liable for .:n::uthoriaad !Tort that occurs after you notify, us of the loss. Theft, or passible you. lrtl haves no f bit ty o t'reat' norized purchases made with jour Credit Ca ? uniess you are grossly negligent in One hardiing of your Card. in any case. your ':abriry v;,ii not exceed 4. CREDIT LINE - if we, approve ye:;r application. we '.rill establish a se'f- lrna Line of Cr d :nr you &rd r1o6ty you of its amount when we issue the j at e r fo I t n arc .tent balance e•..:.eoct this apprcrred Credit Line. Each c a' e t ycu n i n the ,•ccrun r ui restore your Credit Linr, by re amount of the ye,' s? ni n e ap )li o t he ; n rip al. Y lu m y request an increase it your Crao.it t P. !_ , w tte i appiicavon to us, which must be approved by our credit committee un f c-er. S; giv!ng yit wrinen rNotice we may rsduce your Credit Line from time to -.,, or v; th good ciu.e_ revt;te your card and terminate this Agreement. Good uc es ',=na:r faa!IuIo to comply Ivth this Agreement or any other agreement .,ith s. r .,r ac: c . r_e , rut : cr, of your creel tworthir,ess. Ycu may also terminate this u . „ at ,r :rime heat ;t. -il n, by r e,1 :r of us do£>s not aa?t yorr, ob!iga!,-n :., . c.T .,n it pfvp£, .y nand YOU '111.1;31 _.t OVef ad .u _,s ..'J „a-res :., .,. .,r,:r r:-,t-:...t anc upryr r_r,r nation of ^Js A.arcerneri 5. CnEm INFORMATION - 'rxu t,,Ahpn.. ; ! ,vps', gate= Vc+ar model s:::nd:r g '+"!'... ':r):I'.t 'e?`OY,:Pj Or your and rou authoflze"1a tn.t,.sdos., fi,r,r , .iC-;' ..? • ,11'. .,.h ,.C_:?.-:'.1 f0 C'eC7 , bt:r„a.?> ir'.d Ott}a_r •. _C.I,C-5 LI y, 'r':ryl.;.='e nil a.,f b f,IONTHL'r PAYt,1ENT or , uti€ry r +th .C?r :, r. „_. .4 r. s. , v_rrt•: !.<r.aa ,.<r:u ,n your .f.. c., i ..r.,.?r y-.Iir ,..,. ..tit t_:r,r,(! New &!Lancus of -'s c _ . ,.. r?:.' i ,rya, ... .f.- f, e, .r taryr !t:::. roil:, .. :, nr.i. .. :r;a-.. .. .. .,- _ .. - y ..,,.,, J j) f,I f . r .f_;ec to inn :1 t'r . r,r ,,_.1cncn - o ... 1 , of _ a., our t 1e,_, ,,.. and t'-Fr. ,< _ , < l if you ,,.7: to ,. ., c.1 o..,rat . ?t ..'-< nr• . 1 :q ,,;7r rte:; :a YriN-!. 1eii. _.< t.s ;,lei u _i'li !,{LI.::i VI M! r_ „ If"-"; .. •?'; her a . eatc,; ..:,out your sea'et -era. Ant-,, ?. must rt> , _,r yes, reported you tO, W3 r tu';t !0;1 a yr , .. ? `sit .r .• ..t, _ settled between us .vhe , l tirri! y li we dor`t t<: Be.v these ; „ ies, $,b tl x :u even it your s!ater'rent-y. as correct. SPECIAL RULE FOR CREDIT CARD PURCHASES - It you ;ve ti pruGla:r, vtr the quality of property or ser.ices that yotl Flu c`l sold r.iin a cretdit card. c:!':d ,r ,.; have trial in gnarl faith to correct tau p;oCfea, it. t., iresrcha^[ you rh::y ! .,= it igbt not to pay tha remaining ,unt duo on the pr p.;'ty or services. T ` < e r: t% c limitations on this right: (a) You Tau:,! have made 'ha purchase f your er• it not within your home state., ,v mr) 100 r Jigs of your current m.);Iing ta.,i To •s. nrd (b) The purci aGc prce must hav,3 been r.-Ore !lien $50. These limi!atlc<r,s rip not apply it .vo cv;n or operate tt.e merch tr''or :re riailcrc: ` you the aWarttsement for the property or services. i demand. We :sill apply payments in t`te fat!o:rlr+': rnnrrc. `irst to previous .a..e tee;;. then to previous cash advances inance :.Tar ,es, 'ha-: to ;:rev=outi purct ase_ ;franc., charges, then to current late fees, they to previous cash advance ba'ar;cr;.,, •nn tc previous purchase ba?arces, in the o(dar thrt They ,vere posted to your acQD; :r":t. then to purred cash ad ance balances d tne.s t : cu-went purchase bza,a..:es 7, FINANCE CHARGES - YOU C'.ar, thii Finance Charca an purchat ;,r Ly paying the foil amount of the ".., Balance t Puictn..,es er)ch . ,i. rt,::•r+, , r, <- jays of your statement closing date. Gtherw'Sr° w.e New dalaroe of Pur&aseS, ar d the subsequent purchases from the U"ct,., ih,.cy are ppSteJ io your account, will -e subject to Finance, Charge. Cash advances are always subject to Finance Chars r)m !r ro date they are posted to your account. Purchases: We calculate your finance charge by multiplying tries avaragse ad usteC! daily balance lsee explanatir,n beloart, rck;ding new purchases: for the tahr:g cypt by the monthly periodic purchase rate and! Corresdor, ding ANNUAL PERCENTAGE RATE as disrtosed on tree Adder au:r. Cash Advances: We calculate yot,r finance charge on e;a sh adwinces t:y multiplying the eVerage ac!ustec, daily be-arcs !,;-P ex?lana!ion, !,slow) for r..ats^ advances during the billing cycle by the rronthiy perodic advance rata an.d corresponding ANNUAL PERCENTAGE RATE as dsulosed or, the Addendum. Balance Computation Method Average Daily SMann:e for Purchases - 7ho Avcr.£3e Gaily Balanox for R rcriace Transactions is calculated by adding ti:o L•1daliy 83lance5 (Purchase Tran_acth:r,) for each day in tha billing cycle, ano then dlva.ng by the number of day's r the cycle To calculate the Daily Balance for purchases each day. we tale the fol;cwin, ! steps: We take the outstanding b7 r ce (ail r ar Tits you owe' at the kart or trte <:y. Then, in the sequence in ivlif :h mo wets a ,e poste t r) your account a a, ,d the arnfounts of all ;debits and subtrac+ die amounts r, all crcdifs ar oay-nerts whics, poi! . to your account that day, After applying paynaenis and credits, we suiolraC.t the amount. of any unpaid Finance Cnarges or Late Charges. Thor v.o a!&o subtract th;e j amount of any Cash Advance transact ?o; s trial posted to your accouril or, that day or i in any previous day in the billing cycle. This gt>.ea us the Daily Balance for pu ^.a5a:s. a.rerige Daily Balance hyr Cash An.rrces - Cast A, itance -ansaciiors which are pps£ed to voter acrourt are not inclucfrt:i in t`-,a Average Daily Balance c:a'cuiat.? in for p 'cell ,rs end are therefore cut e the, periodic rate for pur s T'',e A - aw Caily Pal )cr: i ccalculai;_ + see a` ly `u c -tar 'spiv an "i; and i Si bi - r e Cash ,Ac rarice Monthly Ferivdi _ Rats , ht 1c,ra, +).:;y Balance `cr G.-.sh.r ansac!ionfs is ; a..ulcted y adding the Dally B.,ant_zs (( a h Te.ansr chenj for _nc h':,ay in ;he ci'.n ' e, and inert ,,.,dnG c'y the nun be Of (tap•s rn ihrr bill ng cycle Toe 1'a,..,tt',c i}e,8; _ Rala. 'Ce .'Cr cash eaach d J, ..e tae tl'ie c,..1 n( 7 >ieps''.Ne taR£9 Ir . O.lt I-, :D i'I3 T..::cd,cg (a!I amounts vuu cele) s, the -,tart t <, ay ;her, ir. r• eque rc ;n ';•:h c )ru",ts are, .> t'.y %: rate accnu ,t -.%a <...., ,t.. irn.:•f . t, 3• i,i! d ,bit Uh.:. _I ; ..a t;+ it ... . N_t -(;ct .r...4.i) . ..1 1 ,.. o,C.., ..t :r ,, tar :}'1rg p sin:., ..,_j m,, _... Ir". .., 6"1", _-3t The;! ;.; Asa tL;,ui tit <,., err u ..ry ; ..?e, (fur pr,.,5 d 5 ... .. a.).:?., 3a,,a z,.e * )r C...,. Al ii ^rr• T„i t_a-.;t r a. Nota Ca-„. Advances art alyr.)ys sub;ect to finance charges and from the clay they as e- pos:tcd to your account. "1 7 .r ..; ,, . ., .. ..r,:.:, rr,::;.lr, Le,r:.', q...L?;_' .s. n ,..:. .,a. .... ., ,.... +; f 8 DE FALl . , ... -, :•f :'t( t? -l r. :. ( _. f.t. „fret: 4) t.i ,. r;u r r a i f it ).. J r f t ',•711 ( Ir r. i r.. tJ ... >. C r '.,y ( - y feet! n i ,tr:.} .'t)1 yo r :aL ,f ! ) 1, y4? 'tL .1. rE vE I no p ?, ( a n f -? i e,:1 , , .w. s tnfr Wy e. t 1 e •f r t r cur tv L ,r •:. 'l'. 3y be 7E.',i ..r o.e i . at,.!:: ' t .?, rC L: :,'e !4er.,a I7CS 4. I .,C,'.<lte i.yr.,. f,1 .1 J);1 it i :7C.,_C;i rf' ,..r C't :i7.+pi:tE? t.ma ?.. +C•S 5?t tit': ?). l .... _t a n.r gfvu g y a t y a-.,, Tr ;i; - ye .:c .... ! ,..ce r. ,? ,.t.. 14. SECURITY INTEREST-To , tit , yc r .tt.yt , r.u: J a pc :':1,7110e _;r= ,. , ..:., , .l .? . ..W i •,•,. f i4 v ay Jai if re , .c_ ..Ir_c. ,i3y O'a U .:(. . C b::;n PXJ rity it?ir:re..t •_ undo: :f':e Uli?to;-n . one ,rcial CTCF, n, ^ _., ,. _ arltf ....nor!;oy feet through tale accCi,jt-.t. If you f1efault, eP will t 4 . tr e Jg i! t? nc- ver anf ,, C.1 It r. S: !)ihk,3 9. USING THE CARD --. T: rilar,e :, Curnaso or Cash acid ce' Ter; sire ;wf3 which we nFvenot been p,.1idlort r( ii1 (7'tir 1. 7(:e]t:C7( oiv-'ur'y:ijrer.ts!F'the arw,(:r t . , n he fc71) rC . Grt- or w i c pre e lr he a;dto s ' SesenbFd in the h n tf ,y r yr ..r•r c t '.'Jit*. , ai,t to this ac c t n one, r or ar c t• r..l v .,a G :.ni inuchafa. of acuiner Irlan-a4 .n„tltuuon, and sign the a4 y i assert any Stalui , y right rd; may tr.e if J,.<.1 are r ,J::Ifau;t I,; pre',er:t w:tl:d"aiva..,t yat,r h ic-arco, drat +Nhch v it b o imp rated With /our care. The other is , g.,. ,pie unpledre i credit union st a es (Dop?? sl '_,low Ir cr p,.id bat rice of your accourd- .`.7 s > 00,1 ti :: InC) your liJef -'1-L?t,tsf? Number 'PIN" dl (onttir,Ct ion Hnwe4-r, ff you give or haves given us a 5,, r C .'edge 'it ,JOUr -: 1ft 'I ion iih . ?a card in an A?tornated Teher MEarnine or other type of elEC.tonic tcir:rutai that 'DcpoS Tsj by signing ;iv Pfetige of ,.ares cr C,r _rw•se, or any ; tt Fr cocci ty _ .t,.......,.,a...a iJ :^a7 Visa Sy'Slern. YGU t;gr8e that you lilt not use yG ,f card for ai:.y for ail ypur deol5, ;Jour nc:coualt ',,Al be SeccI by W_-t;r C>iedged Shtirc i iiDep .??a) if Ir7.,...a.u :the is `4 .gal cricer npplroahte federal, stave, or local .4v:_ The monthly by the property described !n those otr-er s: i r y ag*fcent,, except for yr : rioMe, >tar r 'Vitt tier ti y ttia r'erchant, electronic tempkial or inanc d institution art 15. EFFECT OF AGREEMENT--This Agreement ;s t c contract wr1k;h applies to y,,-,r trap ac 4.*orr iradc, but Sala. cash -7;an c credit o tnrr slips r rot all ire aaciiona on your account even `:cute f,is :.:1ce cant a i r.:?E. c. r - P r -Iurfii?.d wl = tr; ,t..tc,rie. ,."bu will refrain a ctipy ,f such s ps :.,rnisned :•, "t' e other yips you sign of recc:fvr r a v i. contain ri rfererft tears We May l.. c : tf:P rio. f to far, attar 17 or:.ier to v e, the rnorthty statement The CrL:lit Union may l AGreernert horn i,me to time by sending you the a.!_wanr,e'ur;Iten notice .e ctu're6 by , f"-:ar_ a • aso. •,1 t ., iar. R for ph cop,es C sfIDS you r'ay rOClatast _ iwv. Your use Of he card thereaft?r +h9 -.r .'Tr'i(e `yOUr iigreer•"erl to th :. ar'.end" S _.t 3. i 0- OVERDRAFT OPTION - If you akct to overdraft to your PSECU Vsa £ :..ht ' To the extent the'aw permits, acd we ;rrdtate m our nonce, an andrneots anfl :-a{o,.y .. tr f. ,. e: `i ..,r. '..x suo;act's? the pr'5tltig credit ",wit and tt:e agreernow, 1t repr8sent5 to Your 6'XiSting iaCC4tinl baEaf7Cw as ..ea d9 to fuh;re 1r3 ,.oi0.:;JrIS- C i r , t y t ie t of this ov ir•.a i Yoe also a? ,rirat in i tat r 16. LATE PAYMENT CHARGE - it ) , Nh :-n 7r F n r iS c 2 rare eJ o Tr.0 : Lac c i ,am as a cash of ,roc r ECU v _7 Crap t , - y first clay of the month following yr ''ra ,.. ou .,,, 3 !?ie c o t So:J t har a ,, <i !;.at , r o t inn.tai Wit. ;.esnt,ya Rate fur a a7 rn acs Nil( plzry. . •., y g . t i, fiE LINNS AND ADJUSTMENTS - hic c hat is i d oiheirs wicu onof the caro 17. RUSH FEES you r a rout a a., iGral t ,oa cw '•:x -!,sh it d r ssi7 5 ?v It CI )f I }add- in i S nd 1!' + II I t i c:a \',ry of cards :rrie. r PIN ms ter y t . . ,, @ ey . C $o V erx ngJ a , a . r I iC Xl;i 1 * !.) V sa re of c edit if your r_feo,t a,.d pay, e t e ,eci 16. OVER LIMIT FEE- , ??0 c iiH t e a r-+iEC tvf a ;h .,r th y wr ^I as n t' :"a ' Post `, cxcts;: cradll b..l..,ce ., yc.ur `>1 c•nwtti the ctUtn,.aOsngt,,..nG• ye.i. fa he c.,.a.th "iii tiv:r !oie '._+i>rCn;. i.,-In d = v it he aia; e ;c one dollar :lr rw ,,c.7 „r ,. a; r , s y. at li„t,., ..._ 't 1 DRAFT COPIES oil Ir.:,;; E;i trev'r ..:s'i'ren r c sett ba it -; to'Jn',. su^.lmary;SaSe raft ccct,m,nta;4e,,. 12. FOREIGN TRANSACTIONS T`.4 xcri^ ,)e rate bctr et n rte !rarisa,;tion - 20. COPY RECEIVED -You ack o,rlea_,o .e eict ,r <a copy of .;a--, A re, - ent .:r international is ? rn y seafor pr 'Aii c y) oe ssin nt sactjc rJ rare 21. ILLEGAL TRANSACTIONS PROHIBITED -Y th t u e ll .v7: V.E... range Ki r o. ',A e in r c r l' :s !or y ' a 3 o a agr you wi e r_.t t.se ,er t X;essinrg dal itnich rate may vary from the r=ite Visa ;isef; yourcard fc,r any tr ansaction that : s'1!e .al 4,nJer aa,n!icae E, fcidnral st.at.: or , 11 g rc> gg. D1 a n e -, Wert! ma:xlatr:d rate in threat for the applicable ?;entrai prta.,eising 22. NO USE - Inaciive 4 i.,_a aice. , s thJ have nc• pt,r chase or Cash a .Ity m?iy atein etitn instance, an ad,u., Went n'•ay be alsyes-sed based on the iSA fee imposed r bo cbsad without nonce to you ;)fret i 3 morlti's Of no ctivlty y i 1 T11'.3 It r i h t t i S t :e of the transaction, amours, will be assessed on all 23. NEURAL NETWORK - PSE%U apses re , r"IeP,v<Jrk Sys =s to p bCrt and t t.na ,,. Un; wnv s the merchant country differs from t e country of the card issuer. prevent unauthorized tra,i:acrions There may be occasions when a irars<icti_ r :s 13. DISPUTED TRANSACTIONS - If you disagree or find an error with a Visa i declined because it is indicative of possible fraudulent activity. AT AI CARD CARCHOE_DFR AGREEMENT - The Undersigned (you or your): in 1 in this Agreement shall be subject to die rti!ps and regu a5nns of each account o;,s c,-radon , r THE PENNSYLVANIA STATE EMPLOYEES CREDIT UNION ii:re, 'I which is accessed by such Carc. rat ss rag to yo o r: ATM CARD. hereby agree to ba le .a'ty bound by tr'e 2. USE OF PERSONAL IDENTIFICATION NUMBER ("PIN") WITH ATM CARD r 7q rrn5 nd c 7 ld tior+s. You agree that the use of your ATI`J card(s) St rJ ?, p ?, ca of ne ri is and conditions of this Ac,eemer You You understand that a STAR SYSTEMS or a PLUS SYS: EIA ATM is an autema:ed -r :vt t r 7 trial XrM r.5 7 r 1i.. ea ed SerVtie and vC,_ auth{It m, PSECU to t.t 3in j y a ler. r l E t t f cr rt v c,t ci, any users f , ,is account aC'r .oY ledgra that ?ho e (SGn2 .der ! C...C•n NUr*? e r Jf PItJ U: 7 yo. .tn tr," ' •,z9E, :v i 1 ACCOUNTS AND USES OF ATM CARD -You have th s rccount s) ; nr a ti ATM CARD is your sq rture, identifies the bearer of the Card to the STAR ' i f nts j h ?i r r f R l r S- - SYSTEMS AT At_ PI'S SYSTEM AIM or other network ATM and authenticates sand - KI k gu a la es) Al Ch we set forth Un yOUr appticrt,(,n form , w. ;f tF!Is v3tidx;2S 1,^,E'a d-fPr;th)n5 given i,5 your 8....cll .>:gni:iLrt? and GEtlef proof ,i lfy df (:; - { J i by y t h?l v4 issue to you one Or fr.'rr ATM CARCI(sl to . . „ you and wthenticafe a :c alid,ate d r cur 're Y CtlUns ti ! +'' fr li ' ?l Y in -oil 7 st r ac:;ounts aS srrl e.^ in !his Agre . erg. . - , / _- , t =u . 2.f E ou ii r rderstard that a Merchant which i cepts the ATM CARD f r a Po f se. . i(ru riza use tt-ie ATM CARD at ea 3TA9 SYStEMS0s7 TIM to ,I) •o r ,raasacti:on rn ay eve an tlectronic tern`).. iM, r,:;n, 7t co<ratc=J or 5ai,en?cei ! t, 21 mat,,_ :r anal:_ for deposits n r-t;.. , :' i. a e i :,tsr.,r? to or ore v r4cn r s the J -Pit your P N ,r , c "r i !S( i u ?r r t; I ntc- - itlor, eoarcf ng t" ba a ice ;ri yu-`+ a:,C;duf asl o" i = rr.r, nlir ,' • ,v:li . .., ;;r,N,_ tt: and „li cnt. Ire d.r .:: . Ji?" y V 7 ( +Lt 't .'< r + F f t " 'AJr t ti) r the amounts yf relcu S U ? i. 1 4al? ce t j .'lu' Qr'vC tt f J- i"4 e yci r r'rlC , 5 yv c i L j u You C? 3J -:t a"F lit lign lit :)1 'United St J and l a 11.r' flit your D is n Ce rr at,on co E t ,.t 1„ lr, .-. tl J l l I 7 t ll f.. n ,fie PLUS ,T_vir$ , a e aril iy,o I',, t:Ke I :a: :f :i;r_ PiN ".t ., l*•_ ATM iC,,VU) a fo ` r ]C Ou tc ,r, ('o( . e:;, :ve, . O Y%?l.) AGREE TO O T„KE; r L L .,±L.f t t C:,.T; ' a ',,tii .. _ J y.,u r_" e ,_ .. , )na 5., e ,. tar r':E ,-!. - E-.r-, ?i5 YOa R F''r 3 LIABILITY FOR UNAUTHORIZ 7'iRAfiSACFiC)c1 e e - tit ,; ' p . n . u f l ., e r t v tf n r „ y t i .. L 1? L .. rr , r rr 1.1 iC i i s„ _ .. , 11 `.! ..': , ,r;:cfer. 5T '" Reg:;hi,inn 1 r:scfg;ltrr: rfi,`cRCacg :. ..,:....... SZU rif t r ._,ri :1;r fron, nm o rOr .(gree o ,, a x en> . are c ";,:aged by as for these se, ales or charges, r:: r . imNase:9 1 ..;.r v to ; rr;a DEPOSITS -- a grr;v that you make a deposit at a STAR SYSTEMS ! vi t t e ^? . ighit to ere 'ify ate d . posit befc re we snake the money available I' .c ,.. .. r t. E sh ,,;oc. s Of ctn items'o a STAR SYSTEMS ATINI, You :., .. ;i and Lt lire„ti edc,'u mat _ ref.'s trom your deposit may rot be avarl<abfe and tali. ,t the avc, !;:bl;ty of your deposit shat; depend or, our p;raldinc The pa rCu,aar accctr.t in which you are making a ,r th -,t vex: am +E po..,!ti:,g and whather the deposit is made at a N V Tt f 1s rat is n. -tic! by ?:, or another tiriaric,r'ti nstituUon_ YOU also d tack nti:c,dcNa r^aal riot a'I STAR SYaTENIS ATMS may accept ., _ _,r o so ? S ',AR SYSTEM,' 47f-IS rr.'y lir;it the an)ount of f lyds 'N?nicR, „f. i.>. 5 nit that vii, r eiy ,,,of control these limas. o. LIABILITY .--- :f We ATM G?RD :s :sstioa rnr n ;,."Fit r.ccourlt, you agree to be ?> ( r d. e r e^y iiale u-.oa t o farm r f this Agfeement and the acreemant for c , CL lgrc r f you ;Vako oepcs•ts of payments to your account(St 1.,-nS o, _r man _a>n tcnocks, drfls or atner items) sr:d we make funds !o ;rr'n s ,--I, npoS is pr Fir to thecr cc factor, you agree that %ve n;ay ct ,is o icn, f,inrls from you ?.scot r tfs) wnic) are not collected or, ic: at?count(s) u lasuffit ant at ';,J oil tire. y-Ie: .vial f,tranptly pray to ,.t °LIC:..`unf, 'Nhic? ,aria 7. AMENDMENT OF THIS AGREEMENT - You aJ ee That from time io time ..a _ ?€ -no ?r c t =r ie the tar^ of tins aorearr ert incI ding armendr- -it, or n o _eF lr tit CA F40 erAces o r o amend or ct,ar re the charges to, r ,- t N ""ay de .:o [,y nrt.fyi g you in mihrg of such amendments or . i yr of the ATM CARD afier the &Ncth:e Cate of any such c. Iange ..r a corali?u:e your acceptance of and agreement To such ...,..? c..I or change F. OWNERSHIP - r ; agree nat Ina ATM CARD is our property and you Witt sue -ter it to 11S upon our (e• -1- ,: 'Fr u a sgrne ti'n't the A, Nl CARD is non- 9. DISCLOSURES -You hereby acknowledge receipt Of the dISCIOSLtre statement rtorrn;rig you cf }our r'r,lhts under the Electronic Funds Transfer Act and a copy of ... iefnGr'rt. REGULATION "E" DISCLOSURE r'. C ' •1. FINANCIAL INSTITUTION'S BUSINESS DAYS - • ATM, ACH and SST - P..:_ , , wrlay Holidays riot included, 5. TYPES OF ELECTRONICTRANSFERS A CONSUMER MAY MAKE -- • ATM Gn!0nC6 11,]uirtes Of chveatrg, sa.? Figs and PSL; Yitnr i ],>rl, from cheCkingisavings; crash advance `from PSL; deposits to checkinc sav'.rg%; purchase goods and services at a fly ce2t.nq ratail esta^iishm-t • ACH - Preauihorized lebi,.. ..nc, c:td;ts to eha'krt Q ar:d savings. • SST - Balance inquiries and tr _r..=.. ution h;st";nos on all Shane, c..rtif cc,'? end loan accn?nts; 1 ansfers frGrn any Y!: T d U at r t' cr Shore er Loan accoJnt'ront your PSL to any ,,harc fir loan ;xcou 4, r.itr.ctra:i;.ls frog my ,hare errept IRA shares or certificates. 5. ANY CHARGES FOR ELECTRONIC FUNDS TRANSFERS OR FOR THE RIGHT TO MAKE TRANSFERS - • ATM - Faty cents for each cIsbarsernent (cash advance or aaihdrana:) ?s ) than S20; fifty cents for each transaction over 15 per month; 25 cent for aach ialance inquiry <47•d triers '-i ay Ji, a udit;anal charyo 'Dr any udlJ.tr.:ent that needs tc be rriade to t atcccunt of any ensnarer wio makes rr, er?or while depositing at in A„',ort veo Teller rnactiine iATht). • ACH - S30 ::ervica charge for in :uf!icient funds for each eiectronic traltsf. r, • SST - nc -e 7. SUMMARY OF CONSUMER'S RIGHT TO RECEIVE DOCUMENTATION OF EFT'S - ATM Ynu are e it?tfad to ,e .? v a rri =tad receipt at the time ct each ;rarsac,,.on. rbii wtli reoeive ,1 rr onlhy S1_,,oriel, sh0'xmJ i',e S...tt., ,, cf vour account my trap s Ctior's la de tar Ig '.fe month, ird ui,y p_r a t;es or charges PSECU may Irnpc9 t unnn j ?. o r^-unin. 1 ACH and SST - You will receive a monthly statement s"cv rg the t I • rl your account, any transactions made during the month, and atly p, nr,L.ea or i chases PSECU may &'.DOS, Burin.-: the rnnnfh • if you have arranged to have a direct deposit made to your account at ;east once every e0 days trorn the snrria person or company; you can call us at (800) 237-73_28 to {Ind out r t,ether or not the deposit has been made. 8. STOP PAYMENT RIGHTS •- PRE-AUTHORIZED TRANSFERS - ATM and SST - Not appticabie. i I ACH - Right to Stop Payment and Pr;iceriures for doing so, if you have tokT 1. ELECTRONIC CHECK CONVERSION/ELECTRONIC RETURNED CHECK FEES -- . :ou pay for som-tithing with to check or Share draft, you may authorize it to ,.a cor;,'arced to an eiwronic fund transfer. You may also authorize merchants to elocti o nicaliy debit yeas account for returned check fees. You are considered to have aL+ ter. ?7 hase e;sctronic funds transfers if you complete the "transaction after ai 1 t I (-ally or by a notice posted or sent to you) that the 1'xtsfef rn:ay be ;)Q > elcct uniraily or if you sign a writer au?horization. , 2. SUMI'AARY OF CONSUMER LIABILITY - • ATM, ACH and SST - Tel us at orrice if you believe your curd has been lost yr : an. Te.eoh Ing is the best way to koep your possible losses down. Yov could c: , ..e money n your accuunt Pius your maximum overdraft line of credit. It you tie, your card has ti,oen lost or stoier. and you tell us within two business days fu . you 'oarp r :re loss c r tire' you Can ose no more than S50 if Someona used .t. ..::,i .i ;,ter! .,S wi. r b',r_ r'es, d.,ys a ,ar ant ?:. am Uf the loss Or Cheft C f w.. CZ1 _ .' Jv6 _ ..7 `.; h<nv s!`>::ped 3onleona t rn ?;Siin:g ;lour ca,' .via• y ,.sit you -i t-:^..,W yol: COL:!c' ose as as 3iGU- ;1;:: ..Irv Ns trial JlR: s -:.t ^_"d nm make, Tel L, ;it !),-,,-e. If 1 .... L' 'iltrl (,., d,'ay' e s alcwlo 't WrSs nth !et. .e yC : Y0 t1 m,?, - o,...: f .._r v 50 a-riys ''e Marl „r--,V, th 1. +ie. t,Dll' ? if .7, .ad tone ;s r;. t r a 'D (I I !LLt.}1H0NE NUMtJER AND ADDRESS TO NOTIFY OF UNALITHOii17_ED TR. TSh rFi5 ---- : tS:T us in advance to make regular payments ollt of your account. you can stop any of these payments. Here's how: Cali us at {800) 237.7328 (Nalior.;rde) or (717) 234-8484 (Harrisburg) or raft. us at: Pennsylvania State Employees Credit Union. P.O. Box 67013, Harrisburg, PA 1710-7013, in tirna for us to I receive your .equest trtree business days or more before the payment is j scheduled to be made. If you call, we may also require you to put your request I in writing and get it to us within 14 days after you call. • Notice of Varying Amounts. If these regu',or payments may vary in arnount. The person you are doing to pay will tell you, 10 days before a3ch pays ent. j when it vz;ll be made and hcw much it will be. You may choose instead to get ';. this notice only whin the payinentwould Jitter by mere than a certain am<unt from the p-rr;;ous payment, or whim The amount would `all outside Cv^ain Itmrts that you set. Liability for Failure to Stop Payment of Preauthorized Transfers. If you ! ordlsr LIS tD Stop CI'E' of these paynlertS rase business drys cr more t'.efO.re I tho transfer is Scheduled, a n'T we tail net do So, lie vita' be Iiible for your !f>SeS or damages, 'rnless we ret e t and +o n;,+ . r t TL reCBNe written t.Cn.,rtT. c+f,r ir1 e;f <i., oral stop paynnant MUNI, 1,1 days and the •r:ani.ier takers ante 1.1 c::vs, or jcu !I to g1ve : pr,!fir w,R ? e.`. zGla ? to F''of:: Dr !ne ansfer. 9. SUMMARY OF THE FINANCIAL INSTITUTION'S FAILURE TO MAKE OR STOP CERTAIN TRANSFERS - ATM --' !t P& CU .aild :0 cn ti t. i..,eC) r -tre .v. -I '... In '. .,, - .(., f- YC 1 ;1 tie 17it j.>;I ..0,. :arc 1.. .:i.?u .1. r: .. ..'r 'lr: .. .;.. Yi .r? :.D I T_ P ".CH z,nd ,SS _ elr- ( r r.: , ... j '.ry iitl . O Gi,J, t ro c„ ctner ,.f .`.;r an.,. .`_,( CIj _ -:aL 'C)E;t <-._d oEr7.. ..?, 7r:' s if , ,. re a:ke ,,, 429^. -c,i ,..:.! t :lX? frKr PSEl:U-3 ;,rGr:eh!uES tp avo;;'1 su:;h er ,.,.:. 10. DISCLOSURE TO THIRD PART;FS - • ATM, ACH and SST PSECU , i.! dr a+ o-4 a o i y.tur ar to ;r, pa t, s. f I t -b w, .t is r: G.:ssar, to c;-7fnp;e._ e:ans .u,:uns, (2) :(-, verify <is e ce and to ring . ' ycst:r <ac noun, .,.eh PSECU upon teqursl of thircl y s,:r. cr slit t?} to Corti ply .J" i,overnr ent agency or court :rs; 1 ante:.) d...; .r_ wh ,or.tr vritre'! pe n,i,sor:, ,5j J cUn uiy .v th z 1:ni ! -ra v ;.C 'urnrrlonse-S, s ! rZlen57j r LC,urt e s' ; 1 -cc cr t at.on :rorr, a F" era Agtr.r.y or de par treat rh a r 4r r t for lode r art 's in eorng lance. with the R g t to Financial a „ rr t <r ,:r78 F 1 , 01 P. Pr cy, C or Stifner Fri rcia( Info-rrat+rn; 7 s j rnc?r it is ec? a;y to oaka It _' .r,.;a, to :acover shares. 11. STAR SYSTEMS SERVICES - • ATM Only -- You may usa you ATM ARD %N,t?lt your Personal Iderl,if'cation ^,u uer at STAR SYSTEMS t:xated in De aria'e, Maryland New less. y amd Perrsjvanr a to utind ,-t .. , v` flirt olicwi,,g transsctic , f, :ne '?r•t; 4.,.a.. aid by ; ur ATM CARD, ,t .. e i1ccoun b tlance(sj cf your Cht.c.k- ;g your R?CIular Sf-aa,s. "_,, yct r .Otis renal Service Lo,,.?n (P L). 'ri.'ii".7 ,v, .-asin ; ,>cur your riegutt?r Shars-s. ^:1a r. rr.:..h c-,i,...;n- of rc=-_ir . .rsorai rr lico Loan iPSL). i,'t`ecks,, 0, Lv: ?fts (co ,- ;_,re of l _GGr'-p t2i Gle; fr1 ..rsmi=sign to t'' ECU f.r ;n ?;ou (>ia k:ng <...d ynl r Rugul it 7i"I iif?5 NOTE: Thee :. , hr i;teo ;.catro s in Maryiand'where deposits may b+a made. ^ r sh r i u n you that some A711.4s locatea in 'hese areas may Un.y provide a_e,ess to you, Cnecking, your Rpg:,lar Spares, and your Personal Service Loan. Pl;1 ..: ATM', r ,,.,.:y accept depot its. Thera, may aiso be limits on 'he acioan! of fu'-ds ,%hich yo.t r'nc5y deCC7rt :r: certain ATMs, 12, PLUS SYSTEMI SERVICES - • ATM Only -You may use your ATM CARD with your Personal Identification "Nuttbur (P!r j at any PLUS SYS7G:M autornate,J teller ;machine US SYSTEM ATMi) xca!ed 'nrouuhoUl the United States, Puerto Rico ; r 3 .a, Great ;rltain and japan to conduct any the follo•.vir y transactions on counts accessed by yo:,r AT M CARD. bete t_' the c,0Ul7t bzalt.riceisj of your Checking, Your Regular .a? a.es an c your Person ai Set ;c Loan (r ?Lj o) 1i1h1hor x east• rom your Checking and yoCr Rcgutar Sha,es ! cake a cas^ ao anc:e ircm your Per>edal Servwe Loan iPSI.;. NOTE: Der,z,sirs :are not ,i ai'ao e trrougn PLUS SYSTEN'1 A I'As. riese ire the STAR SYS7E.1s sar.icos cLtrentiy „va.rieat le -.hrough the PLUS Y I M nCttcr ,Ott r :ere=c ti toy it i, f ed ! i the futurw. 13. OTHER ATM NETWORK ACCESS --•• ATM Only - Frcrn ti c. to t,rrie PSEEI;U may m,n_ ..rant orno nts v: ,h -th;r TF4 :ar.• >rc,. ,c y n . cars..„ ATM CARD s. PSECU st:aii in urn, v,-.)u when 1•t. PUI`iCHASE TRANSACTIONS .._. ATM Only n a, s an, ,i ?c7 C ti', r- 13 rcn,: r, ...,i hTtt Er. L. IRArrATIONS ON THE USE OF YC'L7R ATM C ARD -- .rr.i only , r . r 1': > a C -.a,r;t. do CI .- . r r. L _ r:r .. .? ::Ir . •., cam.-U „ ... ex il;lri 'Fe of ...:4 I,... T.. ! PLJ:i n't..:_ ','Q L; o' Q C..,31. .tire ,inr'..,r, 1;1.3 :rr:t>er ....,'i 'D €. c. ed the. .,iii result in ;f ,.,,r At t'.' .3D. T nit, ur-.I.e, Of a!lompts t :t .e5alt in rnaohi a.... 3 7`11 rt n:r;t C.' It r 5 rt: r-iy , ,7G6('a. 16. ERROR RESOLUTION PROCEDURES --- • ATM, ACH and SST - it Ccj ;o, of rroi.a Of _ =DC U* ,Ur tr,, n acb rs: ..rom 1ntt,.,i85 to PSECU 2-37-7.i %3 d--, T;`D 8G(.,t 1:487 143..v;w,Je, 1717) 77'•2111 G Herr;t,.;rq, ur 't,rte P ECU .... Pennsylvania State Erno:t ;rr=; „rep+ir t': ;o^. ;tO B,:,,< c'1113. Harr>nurq. PA 1'7106.70413, as so n as y;: C"In ;i y ("u :r" n"( »., ?,ntiu(fnont or re>rV tong ` VOL! reed n ora transa,:.on hsto'i or it:,e; 1lipmeet ar rer_e;pt PSECU rrias' , 'io . r , ccn you ro Uter '!,an EC: C y . .e'r it sent y1 `1c li trtccte t on hto i E ?cb rot ur r a tic ,r n. Y,u i roust pru! c one f ailow.ng ;r,+ r tj :;cm 1 r n r, a c n! rnunt r d ATM CARD number (if a ATM towns. .not or ,elcrer`cc i:i..nttrtr ,i S_if- Serv,ce Ta ophrn..s Transaction'; (` D tia e r r or t t a .;;n ; r n: «r'9 unsu,e abcut, and explain as c , y as yci r<n v,"ry yt,t, br.e,,e ,,, zin error ar vdry ycu e ed the orn abet, ...;d; l-l The do'P-ir armo ?t !r:e suspected error. It you tell PSECGJ orally, you 'a u t en;, , our comp air! car t, c ? w r 7 within 1-0 business days. PSF00 wifl tc-ll you the .c,:nts ,. ,he ;r>.,•eSU_)a'..;..n :within 10 business days for STAR ` YS'IE M_.., PLUS SYST PM, (SELF"-SERVICE TELEPHONE or DfRECr DEBITCREi''nT TRANSACTIONS, or e0 days fw STAR SYSTEMS pure. ase transactions, if ,vFe need rnori tune no vpver, we 'ray its<e up to ,S days for STAR SYSTEMS, PLUa SYStEF1, SELcSE:gvic i TELEPHONE, or DIRECT DE 1 CP'EDIT PAN AC'T;O:S or _to 'days fox STAR SYSTEMS purchase rra ort if PSECU d(r,".Au in u, trits, it vstt rr3r r?c71t yUtrr account within 10 o, si :c.ss cars ia: amount y-,, tt.r;^:k is n r,.'cr if .t is a STAR SYSTEMS, PUv3 SYS t'_„1. c rILF _,c itiViCE ?"cLEPNG ti.E, or DiR CT DEBT CREDIT transaction cr '2r, bushes; days if it is a STAR SYSTEMS purchase iransac€ion. You Ml have vino c.:e of the nioney di:r,ng tree tune it takes to cornoiete the `.1 ev;gaton, II PS.EGU does not receive your complaint or question in viritirg wr:trin 10 business rays. PSEGU rnay r:,ot i recredit your account, If PSEC irrides trtere is error, yu will be advised I within three business days arts tone inves!igation is complaNi'! You may asx'of copies of the documents PSECU used in lhr3 investigation if PSECLi credits your account wnEie inve`;;>_,attng, you ust ;op y :hcse 7urds if t SEn_ U concludes no error has occurred. 17. ATM SURCHARGE --11 you t se an A'i'M tr t nc po(j1Qd by us, you may be charged a fee by the ATNI operator and ny a:_y national, ragiona; or local netwoc_ used in process;ng the transaction rand you may c:e charged a =.e for 3 balance inquiry even if you do not rorrplela a fund transter). The ATM surcharge will be debited from your account if you e.ea to con F to ,he r nsactton. Notice To Consumers Using ATM's • Be alert to your surroundings. 11 you &L"t tt-e sataty rat a parvr,riar ,ue.litln, choose another ATM. • 0 the .Al 1A has an anrry do:,r, -lose t1e Moor P:ir.,r ,t it;..e:,inq your trap , C?:t.1n Put your cash away in?rnediaaaly. • Direct cornpla;nts c ncerning ATM se'.:urity to 1,1 ,N.f,roprate ?:I_,,evtrn6'ti of '. t ,o e,..ner of fhe ATM. New jersey rps de.a_: yi 7 may c;il the-: ?J<sw !er,ry Depar:,vent of roar.,,ng , 2- ..72. For those members who purchase a vehicle under the DRIV Program, please review the following FTC Notice: NC)TiC_E ANY HOLDER OF THIS CONSUIPOER CREDIT CONTRACT IS SUBJECT TO ALL CLAINIS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINSTTHE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AfAOLINTS RAID BY THE DEBTOR HEREUNDER. r C 7 y. . - C5 e1 U D S Y C5 _ 0 ? 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C 0 ? - j ft-??7C?O(_l V f').`i r?r"):"') r):'i'")t )<)C: (v.w(`'NC`. C't CO 000000 OOC?O GO GOOOOG 000000 t S o z fa U'n ti V _ t- ^NM?: C'77'n VJf cc, PCJ^ ,cl, -Cl(I,-$CV Cl NhN(V (\M ?., ?_Ti ? ? ? .,? ? Q ? ?' ? ? ? ?a-. w ? m_ ,. , =`, ??-- g J CASE NO: 2008-00580 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PENNSYLVANIA STATE EMPLOYEES VS KENNEDY AUBREY C JESSICA HERMANSEN Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon KENNEDY AUBREY C the DEFENDANT , at 1247:00 HOURS, on the 5th day of February-, 2008 at 3580 RITNER HIGHWAY NEWVILLE, PA 17241-9120 GRACE KENNEDY, MOTHER a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. SHERIFF'S RETURN - REGULAR Sheriff or Deputy Sheriff of by handing to Sheriff's Costs: Docketing Service Affidavit Surcharge ;//a jop 18.00 11.52 .00 10.00 .00 39.52 So Answers: r R. Thomas Kline Sworn and Subscibed to before me this day of 02/07/2008 VAN ECK & VAN ECK By: ? ) W?, I, D p ty S?Tieriff A.D. 4 PENNSYLVANIA STATE EMPLOYEES: IN THE COURT OF COMMON PLEAS CREDIT UNION, : CUMBERLAND COUNTY, Plaintiff PENNSYLVANIA NO. 08-580 Civil Term VS. AUBREY C. KENNEDY Defendant CIVIL ACTION -LAW PRAECIPE FOR JUDGMENT Enter Judgment in favor of Plaintiff and against Defendant, Aubrey C. Kennedy for want of ANSWER TO COMPLAINT. ( X ) Assess damages as follows: Debt -----------------------------------------------------------------$8,993.23 Attorney's Commission ------------------------------------------- $1,823.65 Filing costs ---------------------------------------------------------- $to be determined TOTAL -------------------------------------------------------------- 510,816.88 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: Melissa L. Van Eck, Esquire Attorney for Plaintiff 7810 Allentown Blvd., Suite B, Hbg., PA 17112 (717) 540-5406 ID#: 85869 NOW, Morph J3 , 2008, JUDGMENT IS ENTERED A IQ ABOVE. Avb Pro notary/ , Civil ivision By: Deputy PENNSYLVANIA STATE EMPLOYEES: IN THE COURT OF COMMON PLEAS CREDIT UNION, CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff NO. 08-580 Civil Term VS. AUBREY C. KENNEDY Defendant TO: AUBREY C. KENNEDY 3580 Ritner Highway Newville, PA 17241-9120 DATE OF NOTICE: February 27, 2008 CIVIL ACTION -LAW IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAYBE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, 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 (717)249-3166 1-800-990-9108 By: 4 Y)' ? " , 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: IN THE COURT OF COMMON PLEAS CREDIT UNION, CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff NO. 08-580 Civil Term VS. AUBREY C. KENNEDY 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, Aubrey C. Kennedy, above named, is not a corporation and is 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. By: Sworn and subscribed to before me this 0 day of March 08 Notary Public & VAN ECK, P.C. Henry w. vancic, hsquire Attorney I.D. No. 83087 P.O. Box 6662 Harrisburg, PA 17112 717.540.5406 Attorney for Plaintiff NOTARIAL SEAL MELISSA L VANECK WEST HANOVERf flNP DPublIc AUPHIN COUNTY My COMMISSIOn Expir*a Mar 22, 2011 ? --r1 `-- rzz CD Q t _ SLR $r.;' ? ? `?>? tv# la3w PENNSYLVANIA STATE EMPLOYEES: CREDIT UNION, Plaintiff VS. AUBREY C. KENNEDY Defendant TO: Aubrey C. Kennedy, Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 08-580 Civil Term CIVIL ACTION -LAW You are hereby notified that on 13/1.3/09 , the following (8rdef) (Degfee) (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 $10,816.88 plus costs is hereby entered. DATE: _S/1-4/03 Pr onotary e---- I hereby certify that the name and address of the proper person(s) to receive this notice is: Aubrey C. Kennedy 3580 Ritner Highway Newville, PA 17241-9120 A: Aubrey C. Kennedy, Defendant, Defendido/a (Defendidos/as) Por este medio se le esta notificando que el del de el/la siguiente (9fden) (Deefete) (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: Aubrey C. Kennedy 3580 Ritner Highway Newville, PA 17241-9120 PENNSYLVANIA STATE EMPLOYEES: CREDIT UNION, Plaintiff VS. AUBREY C. KENNEDY Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 08-580 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. Respectfully Submitted, Date: March 12, 2008 VAN ECK & VAN ECK, P.C. By: Melissa .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 ? -rt rn -V tom'! r-l-, ? "Y'± ? T-Y 5-1 rn -no