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HomeMy WebLinkAbout08-0581IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff . NO. 08 - s81 VS. RAYMOND L. WATTS 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)249-3168 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. RAYMOND L. WATTS 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 pdginas, usted tienen que tomar acci6n dentro veinte (20) dfas despuds que esta Demanda y Aviso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando por escrito con la Corte sus defenses o objeciones a las demandas puestas en contra usted. Usted es advertido que si 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)249-3168 1-800-990-9108 Document #: 180057.1 I IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff VS. RAYMOND L. WATTS Defendant NO. 0.9'- ff P 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, Raymond L. Watts, is an adult individual with a last known address of 1138 Oyster Mill Road, Camp Hill, PA 17011-1003. 3. Defendant is, and at all relevant time material hereto has been, the primary loan applicant. COUNTI BREACH OF CONTRACT-PERSONAL SERVICE LOAN 4. Paragraphs 1 through 3 are hereby incorporated as if more fully set forth. 5. Defendant applied to Plaintiff for a personal service loan. A true and correct copy of said application is attached hereto, incorporated herein and marked as Exhibit "A". 6. The application submitted by Defendant was approved by Plaintiff. Document #: 180057.1 7. Pursuant to the loan application marked as Exhibit "A", Defendant agreed to the terms and conditions of the extension of credit as set forth in the Loanliner Credit and Security Agreement (hereinafter referred to as "Contract"). A true and correct copy of the Loanliner Credit and Security Agreement is attached hereto, incorporated herein and marked as Exhibit «B,1 8. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms and conditions of the Contract marked as Exhibit "B". 9. Various charges and payments were made by Defendant on the account. 10. Defendant has defaulted on the loan by failing to make timely and regular payments. 11. The last payment made by Defendant was on January 4, 2007. 12. Defendant is required under the contract to make regular and timely payments. 13. Plaintiff has maintained a statement of account keeping an accurate and running amount of debits and credits made on Defendant's account. 14. Plaintiff has submitted to Defendant a copy of the statement of account accurately showing all debits and credits for transactions with Defendant. 15. Defendant has not objected to any of the monthly statements of account submitted by Plaintiff to Defendant. 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. Document #: 180057.1 17. As of January 24, 2008, the balance due, owing and unpaid on Defendant's loan account with Plaintiff is the sum of Two Thousand Nine Hundred Forty-One Dollars and 37/100 ($2,947.37). 18. 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. 19. 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 Six Hundred Thirteen Dollars and 27/100 ($613.27) have been added to the account. 20. Any and all conditions precedent to the bringing of this action has been performed by Plaintiff. 21. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, respectfully requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant, Raymond L. Watts, in the amount of Three Thousand Five Hundred Fifty-Four Dollars and 64/100 ($3,554.64), plus interest, the costs of this action, and such other relief as the Court deems just and proper. COUNT II BREACH OF CONTRACT-SIGNATURE LOAN 22. Paragraphs 1 through 21 are hereby incorporated as if more fully set forth. 23. Defendant applied to Plaintiff for a signature loan. A true and correct copy of said application is attached hereto, incorporated herein and marked as Exhibit "C". Document #: 180057.1 24. The application submitted by Defendant was approved by Plaintiff. 25. Pursuant to the loan application marked as Exhibit "C", 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 «D", 26. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms and conditions of the Contract marked as Exhibit "D". 27. Various charges and payments were made by Defendant on the account. 28. Defendant has defaulted on the loan by failing to make timely and regular payments. 29. The last payment made by Defendant was on January 4, 2007. 30. Defendant is required under the contract to make regular and timely payments. 31. Plaintiff has maintained a statement of account keeping an accurate and running amount of debits and credits made on Defendant's account. 32. Plaintiff has submitted to Defendant a copy of the statement of account accurately showing all debits and credits for transactions with Defendant. 33. Defendant has not objected to any of the monthly statements of account submitted by Plaintiff to Defendant. 34. 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. Document #: 180057.1 35. As of January 24, 2008, the balance due, owing and unpaid on Defendant's loan account with Plaintiff is the sum of Seven Thousand Five Hundred Twenty Dollars and 45/100 ($7,520.45). 36. 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. 37. Due to the default of the Defendant and pursuant to the terms and conditions of the Contract attached as Exhibit "D", attorney's fees in the total amount of One Thousand Five Hundred Four Dollars and 09/100 ($1,504.09) have been added to the account. 38. Any and all conditions precedent to the bringing of this action has been performed by Plaintiff. 39. 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, Raymond L. Watts, in the amount of Nine Thousand Twenty-Four Dollars and 54/100 ($9,024.54), 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. n By. Melissa L. Van Eck, Esquire Attorney I.D. No. 85869 P.O. Box 6662 Harrisburg, PA 17112 717.540.5406 Document #: 180057.1 VERIFICATION I, Harry L. Smith, Manager of the Pennsylvania State Employees Credit Union verify that the statements made in the aforegoing document are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. §4904, relating to unswom falsification to authorities. Pennsylvania State Employees Credit Union By: Title: CoI tmG2 Date: 1129 Ing Document #: 180057.1 EX HMIT " A" PRR90NAT..S'T1'.R'VrrV. T.nAN AOTTVAIPMW RTnmrnn to ------- - _ r-.AVAI 11v L.,-A! Loan Information December 6, 2004 Ref #: 425703 295 Approval Amount: $3,000.00 Account # : 8903841180 Applicant: RAYMOND L WATTS Home Telephone # • (717) 731-6294 Work Telephone # • (717) 802-6204 I acknowledge receipt of the PSECU LOANLINER Disclosure and Credit Agreement and agree to be bound by the terms set forth in said agreement. Signature of YMOND L WATTS Date • X would like an i ediate Personal Service Loan advance of $ 660.6 v purpose: Send a fit' check or ? deposit to my Share 4 • Select your Personal Service Loan repayment option. ? Payroll deduction ? Automatic Transfer 11 Direct Payment 56omebanking ? Self Service Telephone • For overdraft options, complete the enclosed Overdraft Transfer Service sheet and return it with your Activation Letter. u a: t Cf:) U j "T-1 co ZU i6iv:Arz.hivx::WATTS: 426703•-:pprziva:>::•::Edcd( =d:•::.:...; ,., .; :..;. Application Received: 12l0312OO:p Time Received: O8.07AM:; Application ID: 425703 Title First Middle Last Suffix Name:F-:?: RAYMOND L •:?:::::? : ATTS •::•::::::• Birth Date: 01110!1985::::: SSN: 201 64 3546 : tbdki rp•: A Total Number of People in Household: EJ Citizenship: US Citizen Borrower Type: <Applicant * Spouse of Borrower: No < . <.. . • . Marital Status:. Mother's Maiden Name: CB PIN: ;::; Email: THUG234O@AOL.COM:• AKAlFKA: < R ......e:'E. Vw%v --Archivc 12/06/2007 3:39pm - Nge 1 of 9 Foreign Address:: Apt / Bldg / Unit Plumber Dir Street Name Dir Type Type Plumber • Standard 1133 ':: ::i OYSTER MILL w •:w :RD Rural Route Route/Military Type: Plumber: Box: PO Box ; .,..,..,.,..,. i PO Box: County: ....................... ..................... Line 2: City: CAMP HILL State: ............... :.: PA ,. Zip: 17011 1003 Province: Count : Postal Code: Phone: (717) 731 6294': Ext:Residential Status: (Lives w/ relative : Time at Address: F,o yrs ... mths ... Cellular: ( J Phone number verified.:-::-::-: Address verified.::: _ :::: MApplicant's marling address is the same as the current address.:.:: Collect Previous Address Information. :....................................... ...................... Position:; FORKLIFT OPERATOR : ;;; ?;Unzmp/StudentlHomemgker ....••••••••••••••••••••••••.••••••••••••••••••--•- WActiveduty military member: :.; Employer Name: EXEL Phone: (717) 602.6204':: Ext: City: State: Verification Phone: ......................................................................... Borrower Code: iNon Employee Loan F Time at Pres. Employer: 0?yrs ? mths ................................................... . .................. Income: Pa Basis: Proof of income received.:: Gross Salary: Annually Emp.to < ?1 E 9 . OT/Bonus/Comma y .:: ::;. Income verified.::::::::::: ;Annuall.: . Other Income: :::::2700:00 ;Annually ::,r.. Source: Part Time/Second Job••::•:•:: Alimony, child support & separate maintenance income need not be revealed if you do not wish to have it considered. .Collect Previous Employment Information.:.::.::.:: ............................................................ Vii;,s Ardlive 12/00/2007 3:39pm - Page 2 oF9 -- -- -- Creditor - -------------------- Account Number ---------- ------- -- - ------- Balance -- -- Type --------- ---- - Last Act Date ... --- F'0 Estimated Payment 60 3000 R AI'rm, child sup, court ordered 0 0 PROV'IDIA.N FINANCIAL 3818649378 15 572 R 11/2004 BANK OF AMERICA 431904102896 52 843 R 11/2004 WFFNATLBNK 7280091691 64 1454 R 10/2004 S1 Debt Ratio: LC Debt Ratio: S1 Proj Debt Ratio: Original Application Factors used in Automated Decisioning Housing Pmt: ; •.' ;:::;: ;::0.00 Other Expenses: '.''..'• Total MonthlyAdj: 01 LC Proi Debt Ratio: Current Application Factors being utilized by Underwriter Application Loan Pmt: Total LC Pmts: ' :::::131: Housing Pmt: 0.00: Other Expenses: Application Loan Pmt: Total Monthly Adj: F.*-'. LC Proj Debt Ratio: Total LC Pmts: ;::131: Monthly Income Summary Gross Income: 667: + OT/Bonus/Commission: + Other Income: =Individual Total Income: Combined Income: '::'::;::;;:;1892: ?d!t :: ....lz.. :;;13rise?e?cted:.:: Ratios Revolving Debt: LL?g Housing Debt: .'•. ?.'•'•. 0 Total Revolving Line: :::309 Net Disposable Debt: 1:;;10 Total S1 Pmts : ::::::191: Residual Income Summary Total Income: 1892: - Residual Adj: - Total All Pmts: = Net Residual Inc: :170-1 Net Disposable Income: '::'::': ;1701: VIC,.v Archivc 12!06/2007 3 :39pm - PaRc 3 of 9 Product: RV Revolving Personal Service Loan (2) ...................................... # of Payments: ;::;:::0: Payment Period: < : - Total Amount Financed: Total Collateral Value: ':::'::':?::'0.00' Combined LTV: F. 7117- ••••?•i Estimated Payment: ;:::::': i:?:60.00• Total Debt with Us: :':3000.00 Current System Decision/Recorrmiendation: Approve:;:::: Decision Party: A,pplieant WATTS, RAYMOND L (201.64.3546}• Application Score: ;:200; Cutoff: ;:200; Score Summary: ...................................... ...... Borrower .......................... ............ Bureau ...._............................... Model ..........................._ Score ......._.......................... ..._...................... Missing Fields WATTS, RAYMOND Ex erian Ex Brian/Fair Isaac 0689 WATTS, RAYMOND Ex erian Li uidCredit Final S 200 0 WATTS, RAYMOND Ex erian Li uidCredit A• Sc 35 Borrower Income Pmts DJ I Prj D:I WATTS, RAYMOND 1892.0 191.00 7 10 Authorized Users: --------------------- ... ........... . ,;.... ...e.................................... ............................... Credit Life Selection: None Plan•Credit....LifInsurance.. Disability Selection: None .-.-. . 1 Plan: ?Disability Insurance - - R ... ........rance ........................................ .. ----------------------------------- Coverage far: Applicant WATTS, RAYMOND -L (201:64.3546) Credit Life (Decreasing) Insured Amount: Monthly Benefit: Premium: Cost Per Day: End Coverage Date::::::: is ; :::;i ? Coverage Term: ::: VjC\\_1\rclji%e 12AM/2007 3:39pm - Page -1 of 9 Credit Life (Level) Disability Premium Paid in Cash.:: :.......................... .. 1Znual Loan Plumber Loan Date: 12/03/2004:::::0: .. .. .. Loan Plumber: Suffix: Reported Amour-it: - -------------------------- Primary Collateral Code: ,Personal Service Loan < ............................................................................................................. ..,.................,...................; ...? ..................... Request Type: ; new credit card Funds Request: PJewR New Funds Amt : Requested Rate: ;::::0:00000: Interest Rate Lookup: Approved Rate: '::12:90000: • Use Decisianparty rate. Lock rate. Rate Lock Date: Total Requested Limit: Credit Limit: '::::•::•::'3000.OQ ........... Rate Type: <Fixed ............ Date of Recission::>::::::::>:::J4 ................. ................. Decision/Recommendation: Approve ::::Decision Party: 12!0312004 08: view ;Archicc 12/06/2007 3:39pm - Page 5 of 0 Stipulations: ................................................................... ......................................... .... .................... ......................................................................... :..: .::::::::::': 6cce Yell` P.. R Decline Reason Field Label Value Member Code 0 <. Current PSLV LOC 0.00 i; If HELOC, immediate adv amt Deposit proceeds into S1 or S4 `XNET,XNETRE,XPHONE,XPAPRE, XNET `Disclaimer Answer AYES orCYES AYES member requested # of payments 0 Type: All 12/03/200408:07:50 Review Applmport; ::•::::: :::::::::•::::::::::::::•::•::::•: > ::......::......::•::•. PERSONAL SERVICE LOAN LOAN AMOUNT REQUESTED BETWEEN 10,000AND Account(s) With Us? Other Institution Name or Account Number: Member Number: Checking: Yes :: k"•• ::8903811180 ..E 7. _.R. ......................:. --------------- R ?..........,..... ............................ Saving: .:..::.:.:.:.:.:..:.•.:.:.. Yes :•:::" Member? ? ............................................................ ............. ...: Other: :'W; .:...... ..........:..•.:.:........ ... i ..Y. . .... .. ....:.:.. ............................................................ ......................................................... :Applicant Has Previous Judgments:;::; : (::Applicant. Has Previous Foreclosure:` ............................................................ M:Applicant Has Previously Claimed Bankruptcy::: ....................................................... V,;"vv A,chivc 1 !f /?71"o-„ - Pear (" fo ? r? lv_ pia ta( ifl1ptQyegt red it Union .rr:4 4. ]C' .?:i i..` W 1 1 : k .: -1 :.'f ! , ( 1.;,• 7 ll: .. .. PSEC# Loan Disclosures I This LQANLINER° Credit and Security Aarr.:e rent, :v'nich includes the Tr, to 'n i interest on the entire balance it yr;u elect credit 'ns ice, your payments ma", Landing Lliscldsures, .rill be referred to as the Plan. The Plan documents inrlude h increase or the period of time r 1 ce nary to repay your advance may be evterded. i agraement and an Addendum. You, your and borrower mean any person t,4ho ,fit s The credit Insurance rates may charge during the P!;:n. It the rates change, we will 1 the Plan. Credit union, we, our and us mean PSECU or anyone to wnom Ina Lf ed.. provide any notices required by applicable la,,-,. Union iram;fers its rights under the Plan. PERIODIC STATEMENT - On a regular basis you will receive a statement showing HOW THIS PLAN WORKS -This is an open-end, •hulti-featured credit plan. We all transactions under the Plan during the period covered by the statement. anticipate that, from time to time, you will borrow money (called 'advances") under ? Statements and notices will be sent to you at the moist recent address you have he Plan, We are not required to make advances to you under the Plan and can i given us in writing. Unless applicable law requires notice to each joint borrower, refuse a request for an advance at any time. The Addendum describes the i notice to any one of you will tie notice to ail j different types of cred'i (called "subaccounts") available under the Plan, the cu rera j JOINT ACCOUNTS - If this is a joint account each of ycu is ,ndiVdua;l and jointly nterest rate for each SUb account expressed as a daily pent 7 r rate and Y corresponding annual percentage rate and other charg ures. It rney also have other terms and a schedule for determining responsible for paying alt amoujt!s owed. That means we can enforce our rights under the Plan against any one of you indrodualy or against all of you together. if you ire payment amo s. give us inctans+stent instructions, we can refuse to follow your instructions. Unless our CREDIT LIMIT - We may, gut do not have, tU establish a credit 'irnit on certain. I written policy requires all of you to sign for an advance.. each of you authorizes the ' subaccounts..f a credit limit is set for a subacco nt, you promise not to exceed the other(s) to obtain advances individually and agrees to repay advances made to the established credit limit, if you exceed the credit limit, you promise to repay i other(s) Any joint acco.u;thoider may terminate the Plan by giving us prior written immediately the amount which exceeds the credit limit. notice. It any of you terminate the Plan, the =' an s terminated for all of you. You REPAYMENT - You promise to repay all amounts you owe under the Plan p;us I remain liable individually and jointly for 14 advances incurred before termination:. interest. Payments are due on the last day of the month unless we set a different day ; FEES AND CHARGES -- If you gi.e Ls a security interest in certain types of at the time of an advance. If the Addendum has no payment scheduie for a ' property, we may charge you a filing fee to perfect our interest in the property. It we subaccouni, your payment will be determined at the time of each advance. do, the amount of the fee wit; be disclosed t .,u at the time 'ou obtain an advance. Payments roust include any amount past due and any amount by which you nave We may also charge you other fees in connect on w th the Plan. Our current tees are exceeded any credit limit you have been given for a subaccount. You may repay all disclosed on the Addendumn and will be added to ycir balance unless you pay it part of what you owe at any time without any prepayment penalty. Even if you I them in cash, prepay, you will stilt be required to make the regularly scheduled payments unless v"e agree in writing to a change in the payment schedule. If you have a ,'Gina I UPDATING CREDIT INFORMATION -You premise ?slat you will promptly give us sharedraft account, you will be responsible for paying all overdraft advances f written notice if you move, change your nine or employment, or ii any other obtained by a joint holder of the sharedraft account. Unless otherwise required by i Information you provided to us changes. Upon cur request, you also agree to 1 law• payments will be applied to afrULnt9 owed under the Plan, in the rnanner the ! provide us updated financial information. Credit Union chooses. DEFAULT - The following paragraph applies to borrowers In Idaho, Kansas, PLAN ACCESS -You can obtain credit advances in any manner authorized by us. it ! Maine and South Carolina: You will be in default it you do not make a payment of I live allow you tU use your ATM; Debit card tr, access the Plan, you may to liable for the the arrount required when it is due. You will also be in default if we believe the j unauthorized use of your ATMiDebit card. You will not be liable for Unauthorized use i Prospect of payment, performance, or realization or, any property given as security that occurs after you notify us, orally or in writing, of the loss, theft, or possible I is significantly impaired. unauthorized use. If you believe your ATM/Debit card has been lost or stolen, The following paragraph applies only to borrowers in Wisconsin: You will be in immediately inform the Credit Union by calling or writing us at the telephone number or i default if you fail to make a payment when due two rimes during any 12 ^ronth address that appears elsewhere in the Plan, if the card is used to obtain unautho. ized period. You will be in default it breaking any promise made under the Plan matenaily advances directly from the Plan, your liability will not exceed $50. If the unauthorized I impairs your ability to repay what you owe or materially impairs the condition, value. Withdrawal is from a sharedraft account, your liability is governed by the Regulation E or protection of or our right in any property you gave as security. disclosures you received at the time you received your ATM/Debit card, even If the The following paragraph applies only to borrowers In Iowa: You will be in withdrawal results in an advance being made from your overdraft subaccount, default if you are more than 10 days late in making a payment. You will also be n FINANCE CHARGE -The dollar amount you pay for money borrowed is called a default if you do not comply with the terms of the Plan and your failure to conlpiy "finance charge" and begins on the date of each advance. A finance charge will be materially impairs any property you gave as security or your ability to repay what you computed separately for each separate balance under the Plan. To compute the owe under the Plan, finance charge, the unpaid balance for each day since your last payment (or since The following paragraph applies to borrowers In all other states: You wilt be in an advance if you have not yet made a payment) is multiplied by the applicable daily default it you do not make a payment of the amount required when it is due. You will periodic rate. The surn of these amounts is the finance charge owed. The balarce be in default rt you break any promise you mince under the Plan anyone used to compute the finance charge is the unpaid balance each day after payments ar if a is i r and credits to that balance have been subtracted and any additions 'o the balance default under any security agreement made in connection with an advance under have been mad©. In addition to interest, we may charge other finance charges which ; the Plan. You will be in default if you die, fro for banknup!cy, become insolvent, if you are disclosed o the Addendum. If the interest rate is a variable interest rate, the make any false or misleading statements in any credit application or update of credit addendum explains how the variable interest rate acrks. information, or if something happens we believe may substantially reduce your j ability to. repay what you cove. You wit] be in default if any property you have given SECURITY You pledge as security for the Plan all shares and dive ;ends and, it I us as security is repossessed by sorneone else, seized under a forfeiture or similar any, all deposits and interest in all joint and individual accounts you have ,pith us law, or if anything else happens that significantly affects .he value of the property or I now and in the future. If a spec tic dollar arc unt is pledged for an advance, we -will 1 our security interest in it. You will also be in default under the Plan if you are in detauit I freeze shares in that a=Dunt to the nxter'll Uf the autsmnding balance for the under any other k)an agreement with us. advance. Otherwise, your pledged sha es may be withdrawn unless yr.,o a it r.efaua The following paragraph applies in all states except in Ohio, Rhode ACTIONS AFTER DEFAULT - rho following paragraph applies to borrowers in Island and Massachusetts: Ale have a statutory !ten on the shares and aivider.ds ; Colorado, District of Columbia, Iowa, Kansas. Maine. Massachusetts, Missouri, !Nebraska, South Carotins and West Virginia: When you are in dotes t and after and, if any, the deposits and interest in all ind,Jduat an f ioint accounts you have with Ls and may exercise our rights under the here to the extent perr;incd by state law. i r'xpiration of any right you have under applicable state law to cure your default, we can (We are state chartered r our name does not include the term "federal Credit demand immediate payment nt the entire un:laid balance under the Plan without Union.") For all borrowers: The statutory lien and/or your pledge will allow us 9'vtng you advance notice, j to apply the funds in your account(s) to what you owe when you are in default. The following paragraph applies to borrowers in all other states except Wisconsin i 7-he statutory Lien and your pledge do no' aDp;y to any Individual fi4t:r3rrent ' and Louisiana. When guar ale n defa1.,it. lore r..n ?=-Chhre 'mrradata payment Account or a ry ether account that wciuid lose spy, tl tax : eat[ rent ur•der sta-a or (ar ca cratiorIl of the en:;( urpald' D la??e ,der e t nor, s? any right you lave federat law if given as sec u. fty to erns td for pay mer t. ot.ce of into-,t ei -nd Dtice of a cele a*ao e. Additional c,,wy for the Pia nr,y Ce rcgt, red t :ho time M an 4 a The following paragraphs apply to borrowers in all states except Wisconsin and suc account I den !ties a ryno ct pr perq _l0i at, `Flew Cars") you r r t civr :at Louisiana: If •rnmedia e payment s yoc. vdl ;,ntir.;e to pay .merest Loth t:+pe of p opc t f as Sect: rity e, v'ru -c.t an ;..t arcs .:r._,.r ,:-tat 3:,ba..:..,ut.!..A what YOU oi,c_ has at :he ;ppl.cabia „ wrest r:rtes ina`ieci or, f ppia- e, '..c s dt of n ma s n I as 'Other e . . es fr nt e r tv t p default ate JIS t r. p 1 i,:en um ti 7?n d f Ir mod ,t o ,ytrler;t _cceptalb:e o s "W"all YOU oht., n ..n t.ct ants.:_ri i, ? y m, r as bcv n made, your s e-ii s -ad u. itlpw ,U .-slot ed o 3rdas .inat yil., ::e _:) s sec iy tviii sour t. oil !.mitt:;. tS c .e ? :n ;ear s ;s Plan and 1.1 .•! ,.r . ou as t:r,.viJvice in the sa . 0? aoxe cd SeCC r;y' N,, ,. , t as: a.ey 0!h"r have v:tn us no.v or in the except _!,y c ,,n "y inn Pilo _ a .,.lir=a ^y rfy s von :ry ta.w vrrr,n :eu al,_ t eel lilt. P ,,party se"'Ur'Fg U:ner i. trls yo Ye , , u . ' It ,y v f edit lni t ;t, ?ht t .e , s a. o tiny , cr n CREDIT INSURANCE - Crc.it a ?j, car tali :sab,l 'r r .,. ar e .. ,; as cc ty de hr r r 'L 411C al ....n . . cone f r y' . .., ,; i tht, Pia if ycu cir '.fy ,r r i fc,r: na ,h= ee: from ids, e br-ach. cf [n peace.: t-e nsi",err i.-c.r ,r, .v r r :,,r. r,f er y a::i tirretanu ' ch cs 'rr :, ., ! IS . m,,., . ,ft... a c _ e t tit way e, :., _ LOANLINECr rGt a_nd SccurifyC7cdit igrce men! (continir<^.d) trait :y Gr lit tr:h I e•`? s,;dry i4r;mot t _i:-l '•i ; of S ,I., ::r, n, i:'; rrele-,c t you ;e Pn! in,, ? t ,,ary r t1,at .•s t:,. e .Iii try ur: that properly to y. I a t !c you , e .::n ar vr r e .%ossessicr, of ,t a pr ro-yry, :. r. cv+ st'i it ana appy , ...r Cl',, art . a airocnts You ow us I la %vi I give you ro r2 ,f ,rr ..,t is d.+ o ,t.;i t c ,ht h a rr.v ae cilsN sition will t e 'a i! J a pc i f s fir to Inc c ss n ?and e;ling he ,,rope ty will be r c fuAed fr a C,? rrrn(r r,-c( .,red fr.: c rlr T i e Dots al ay include the cost of storing the proper ty, p t pa; ing it for sale .siu a , o, rey s foes to the extent permitted under state raw or av. xrded under tha Sa .kruptcy Cooe. j You rnust pay any amount that remains unpaid after the sale money he-:S been appl;ad j to any unpaid balance under the Plan. You aqr e to pay interest on that amount at the same rate as the advance, or, it applicable , at the aefauit rate disclosed on the Addendum, until that amount has been paid. The following paragraph applies only to Wisconsin borrowers. When you are in default and after expiration of any right you have under applicable state law t. cure your default, vie may require irrmediate payment of your nutstanding iean halance Under the Plan and seek possession of properly given as security. You may voluntarily give the property ?a us if you choose, or we tray seek to take fx)ssession of the property by judicial process. If we repossess the property, you agree to pay reasonable expenses incurred in disposing of the property If the property is a motor vehicle, mobile home, trailer, snowmobile, beat or aircraft, you x,ii also be required to pay any costs permitted by Section 422.413 of the Wisconsin Statutes. You must pay any anar.tunf that remains i unpaid after ft safe money has been applied to what you ewe under the Plan. You agree to pay interest on any unpaid amount at the same rate as the :advance, or, if applicable, at the default rate disclosed on the Addnndum, until that amount 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 vrhere the property is located. The following paragraph applies only to Louisiana borrowers: When you are in default, we can require immediate payment (acceleration) of the entire unpaid balance under the Plan. You waive any right you have to demand for payment, notice of intent to accelerate and notice of acceleration. If immediate payment is demanded, you will continue to pay interest until what you owe has been repaid at the applicable interest rates in effect unless a default rate is disclosed on the Addendum. It a demand for immediate paymarl has been made, the shares and deposits given as security for the Plan can be applied towards what you owe. We can also exercise any other rights given by law when you are in detatirt and our , rights under any security agreements you have with us. CANCELLING OR CHANGING THE PLAN - The following paragraph applies only to borrowers in Illinois: We have the right to change the terms of Ine Plan I, om time to time after giving you any advance notice required by law. Any change to the j interest rate or other charges will apply to future advances. i 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 f of the Wisconsin Statutes. You will be notified of ary change in terms. An increase in the daily periodic rate under a variable rate interest rate is not considered a 1 change in terms under the Plan. We can cancel the entire Plan or any part of the Plan at any time. You may cancel the Plan at any time by giving us prior written notice. Your obligation to pay the unpaid balances under the terms of the Plan continues whether yes or the credit union cancel the Plan, except to the extent that your liability is fimited by Section 422.41155 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 advance notice required by law. A change that increases the rate of finance charge or other charge, that I increases the amount of your payments, or that otherwise adversely affects existing balances will apply to existing balances only J you agree to the change cr you use the Plan after receiving notice that your use of the Plan means you agra6 that change applies to existing balances. The following paragraph applies to borrowers in all other states: We have the rght to change the terms of the Plan from tine to time after giving you anv advance notice required by law. Any change in the interest rate will apply to ft.,tum advances, and nil at our discretion and subject to any requirements of applicable la's, will also , apply to unpaid balances. i The following paragraph applies to all but Wisconsin borrowers: An increase in he daily periodic rate under a variable interest rate is not considered a change in j tears under the Plan. We can cancef the entire Pan or any part of the Plan at any tame. You may cancel the Plan at any time by giving Las prior 'written notice. Your j obligation to pay the unpaid balances under the terms of the Plan continues whether i you or the Credit Union cancel the Plan. DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN -'We can •.aelay en`orcing any of our rights under this Plan any number of t mss rfttt air losing the ability to exercise our rights later. We can enforce this Plan against ;o.ir heirs or legal representatives. If we change the terms of the Plan, you agree t!'irat this Plan will continue to protect us. CONTINUED EFFECTIVENESS - if aryh art of this Plan !!s dotermir`e i i:y - n r to be uner,arceable, the rest roll .:nap in uf!ei:t. NOTICE TO UTAH BORROWERS - T t s t :t;ea , ri-,errert IF, a nt; h Me agreome n ? e[r.• en ,.:)u 7i rid ne Cr d Uzi r, T:tis •rrn cr. ,e; , trac.ic,tciJ by e id_rwe c J any oral nr,reei ,ert. The fallowing is required by Vermont late -- NOTICE TO CO-SIGNER -- YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NO THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. The following paragraphs apply if you gi,'e security in connection v;ith all advance under the Pian.Thry apply to borrowers (n all states except Louisiana. Louisiana borrowers will execute a separate security agreement. Borro,vcrs in other states may also be asked to execute a separate security agreement. THE SECURITY FOR THE PLAN ;; P.; ,a b t in ail propcu , cr -.i rc earl}t t' t or c r f r:rr ru tiei i. 2f an d r ce ( ( The ri y L, Eo i i rC t 'a :, es.>n 5 Access cry iriiith:"Igs y r e rr cr r .,.n. -y in T-e l e. ,y nn ti or in rite future. The See ur y .n r t r y ar rc pi a r or properly which you her ::h n 10 Oil v?, of Advance- or any cx!, I o 5 ro, ,v Is or refinancing of the Advance it also :rcludes any acn •y yo., reeve ve from sei,ing the property or from insurance you ha Ve .,n the I ruFi rhl, if the value of ,t.e property declines, you promise to give us moee proper; as security .f asked to do so WHAT THE 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 tfte Advance and any extensions, renewals or refinancings of the Advance. It also secures any other advances you have now or receive In the future under the Plan and any other amounts or loans, including any credit card loan, you owe us for any reason now or in the future, except any loan secured by your principal residence. If the property Is household goods as defined by the Feieral Trade Ca-nmission Credit Practices Rule, the j property will secure only th.a Advance and not other amounts you owe. OWNERSHIP OF THE PROPERTY -You promise that you own all property you give. as security or if the, Advance is to buy t?7e property, you promise you will use the Advance for :hat purpose. You promise teat no one else has any :ntorast in or claim against the property that you have riot already told us about. YOU promise riot to sell or lease the property or to Lisa 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 eiiner by your a ctions or by operation of law. PROPERTY INSURANCE, TAXES AND FEES - You must maintain property insurance as all property that you give as security under the Plan. You may purchase the property insurance from anyone you choose who is acceptable to the Credit Union. The amount and coverage of the property insurance must be acceptable to us. You may provide the propary insurance through a policy you already have, or through a policy you get and pay for. You promise to make the insurance policy payable to us and to deliver the policy or proof of coverage to us if asked to do so. It you cancel your insurance and get a refund, we have a right to the refund. If the property is lost or damaged, we can Lisa the insurance settlement to repair the property or apply it towards what you owe. You authordza us to endorse any draft or check which may be payable to you in or er nor us to collect any refund or berelits j due under your insurance policy. You also promise to pay all taxes and fees (like registration fees) due on the properly j If you do not pay the taxes or fees on the prop erty when due or keep it insured, we may pay these obligations, but we are not required to do so. Any money we spend for taxes, I fees or insurance will be added to the unpaid balance of the advance and you will pay 1 interest on those amounts at the same rate you agreed to pay on the advance. we may receive payments in connection with the insurance from a company which provides the Insurance. We may monitor our loans for the purpose of determining whether you and i other bommers have compiled with Jte insurance requirements of our loan agreements I or may engage others to do so. The insurance charge added to an advance may include (1) the insurance company's payments to us And (2) tine cast of determining compliance with the insurance requirements. If we add amounts for taxes, fees or insurance to the i unpaid balance of an advance, we may increase your payments to pay the amount added within the tern; of the insurance or approximate term of the advance. INSURANCE NOTICE - if you do not purchase the required properly insurance, °i the insurance we may purchase and charge you for will cover only our interest in the property. The premium for this insurance may be higher because the insurance company may have given LIS the right to purchase insurance after uninsured i collateral is fast or damaged. The insurance will not be liability Insurance and will riot satisfy any state financial responsibility or no fault laws. PROTECTING THE SECURITY INTEREST - It your state issues a title for the I property, you promise to have our security interest shown on the title. We may have to file what is called a financing statement tc protect our security interest from the claims of others. If asked fo do so, you promise to sign a financing statement, You also prornisa to do whatever else we think is recess.:ry to protect our security interest in the properly. You promise to pay a] cos Including but not limited to any attomey fees, we incur in protecting our security m crest and rights in the property, to the extent permitted by apphcabie law. USE OF PROPERTY - Untii the Advance his been paid elf, you pr0M.S0 you will- (1) Use the property carefully and keep it 'n good repair. (2) Obtain our written permission before making major changes to tune propery or charging the address where the properly is kept. (3) Inform is in writing before changing your address. (4) Allow us to inspect the property. (5) Promptiv notify t if the property is damaged, stolen or abused. (6) Not use the property for any ; lawi_jt purpose.. (7) Nct to retitle property in another state without telling us. NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE - THE fv10TOR VEHICLE IN THIS TRANSACTION MAY BE SuB-IECT TO i REPOSSESSION. IF IT IS F•EPOSSE,SED AND SOLD TO SOMEONE ELSE. iND ALL AMOUNTS DUE TO THE SECURED PAR ' Af-lE NOT REi:EIVEJ IN i THAT SALE, YOU MAY HAVE TO PAY T tE :)IFFFRFNCE, NOTICE FOR ARIZONA OWNERS OF PROPERTY It a ;r you tc trait o r ct;r vet is r;t :s u :v i t a .. Liy y ?reSl ri i 1'1 (l fh 7 j6 F tEa' ? ou ,e rceeived ric r_ .-.f iio ,a., f. .ro ro I be rata cif o thc^ do cos you c ..a. ii s y rs ae . .^,ilit} :o y i ,:,;r cic:e5s yes Tha ra.xim 'v for , 1.< .II is . r• y:ar pr wi snd c;r f S 150,000, a T PAY, p"r'ai hoe .. This nv ,e o ,ains important u:!:;r• r.3; r:,1 <ab t;, yo,ir ngFr..v-d our r --H._r . ":i,:e.> urij_trr? Fair Cr ?.it 'i:,,g Act. Y. u art? . :-,,ivied ! r ad your i.. , ; i'y s it . a::t :rid e."Pt it frer any ,rmr ti" -,-repa .icy or zed t ar•sactior•s. NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT if you ;r„r yc enarnt is err ;:r. cr it t:J? nr.r.c: r,:are, r,'O imatcri about a i.a t..<.ct:on or, your t? Lr^c i t. vrito us cn a scpa alo sry+ct at the seed on your 5tateniart rcu ar-? reTwrad to notify L, in wnt;; g :: Jtln 61) days tollr 1•,;: ',rte on wf ic` s n your ..a e cr wher,- n r E .r IF a err: first app , r ref r :rg iry :sc pn . y ,r cr u hon_..1 tar ,c o :s r, your sc caiPit Faure t„ nuG,fy us n_ty re.,u'i ,i }". ur , .r.?,rianca of any re.. ins t, :y to,- payment or reir.iburse rnenl to US to;r tiny itch error or d;sc .ha. icy on your rcn:;nt. :yJnte to us as soon as possible. You can "lt.phrro us. but doing so riff rich preserve your rights. !n your Letter, give ua the fallowing information: Your name and account number. The dollar amount of the suspected iirror. Describe the error and explain, 4 you can, vhy you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay a credit card account automatically from your share account or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur. YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER -WE RECEIVE YOUR WRITTEN NOTICE - We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we roust either correct the error or explain why we believe the statement was correct. A,,v1 } t e r.J ry C.!,? oiny iCi. tl -ran. e crt -ir you as + CL , r.,. fL t gt,csti n cre'Jit ;i r t "i Rl '7r' 7 . al, a ".av n/ ..t ,.-, J HA you nr' cf!l ..,0'y"<.fe{d t.` pay the, ' anti ..{ y0,•r fl -.1! r,^ I..;t It we find t ",it tic _.e -;Lis tike c j . ,. id"e -Pay hr+y finance Chances ela c-a tc y .f e. e, !,t ,r LJ,_r Re.td-t '.tin -? t r:.. "i..? - j ri?iry h.,n to, pay tanance c+icy?s, and, yo..• r..l ha-,c (o _ iC .lily isSe"'. payments >a"a the I t o twr, cl A i n c tr r c :a...,....il -,nC yr i s sl_tarrent c, the aril,unt you c., a")., !ne date rr t is ls. h you fail ro ploy then wlt that we t' ink you wue, are, nit v .;tort you as de i queiil. i Mlowever, ,f our exniar• 'eii does r•ct satisfy you anc yov write to us within ter, bays telling us that yep sti!l refuse to pay, we must ter anyor..? we report you to that you have a question about your statement. And. ,.e must t611 you the narne of anyone i we reported you to. We must tell anyone'nre report you to that the matter has been settled be veen us when it finally is. It we don't follow these rutes, we cant cr,i!ect the first $50 of ma questioned amount, even if your statement was correct. SPECIAL RULE FOR CREDIT CARD PURCHASES - If you f avv a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the ' right not to pay the remaining amount due an the property or services. There are two limitations on this right: (a) You must have made the purchase in your home state or, it riot within your home state, within too miles of your current mailing address: and (b) The purchase price must have been more than $50. These limitations do not apply if we own or operate tf-e merchant, or J we mailed you the advertisement for the property or services. In this Agreement, the words you and your means each and all of those who apply charges, then to current late fees, then to previous cash advance balances, then to for the card or who signs this Agreement. Card means the VISA Credit Card and any previous purchase balances in the order that they were posted to your account, then duplicates and renewals we issue. Account means your VISA Credit Card Line of to current cash advance balances, and then to current purchase balances. Credit account with us. We, us, and ours means this Credit Union. ( 7. FINANCE CHARGES -You can avoid the Finance Charge on purchases by t. RESPONSIBILITY-- If we issue you a card, you agree to repay all debts and the j paying the full amount of the New Balance, of Purchases each month within -5 days Finance Charge arising from the use of the card and the card account. For example, of your statement closing date. Otherwise, the New Balance of Purchases, and the you are responsible for charges trade by yourself, your spouse, and minor children. I subsequent purchases from the date they are posted to your account, will be subject You are also responsible for changes made by anyone else to whom you give the to Finance Charge. Cash advances are alays subject to Finance Charge from the card, and this responsibility continues until the card is recovered. You cannot disclaim date they are posted to your account. responsibility by notifying us, but we will close the account for new transactions if you Purchases; we calculate your finance charge by multiplying the average adjusted so request and return all cards. Your obligation to pay the account balance continues daily balance (see explanation below), including new purchases, for the billing cycle even though an agreement, divorce decree or other court judgment to which we are I by the monthly periodic purchase rate and corresponding ANNUAL PERCENTAGE not a party may direct you or one of the other persons responsible to pay the account. ? RATE as disclosed on the Addendum. 2. LOST CARD NOTIFICATION - It you believe the card has been test or stolen, Cash Advances: we calculate your finance charge on cash advances by i you will irtimediaiely call the Credit Union at (717) 234-8484 or (900) 237-7328 After j multiotying the average adjusted daily balance (see expfanatiun below) for cash lieu s call (800) 556-5678. 1 advances during the billing cycle by the monthly periodic advance rate and 3. LIABILITY FOR UNAUTHORIZED USE -- You agree to notify us immediately, i corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum. j orally or in willing of the loss, theft or unauthorized use of your Credit Card. You may Balance Computation Method be liable for the unauthorized use at your Credit Card. YOU will riot be liable for ; Average Daily Balance for Purchases - The Average Daily Balance for Purchase unauthorized use that occurs after you notify us of the loss, theft, or possible Transactions is calculated by adding the Daily Balances (Purchase Transaction) for ! unauthorized uSa.'You will have no liability for unauthorized purchases made with I each day in the billing cycle, and trien dividing by the number of days in the billing j your Credit Card, unless you are grossly negligent in the handling of your Card. In ? cycle, To calculate the Daily Balance for purchases each day, we take the following i any case, your liability will not exceed $50. i steps: We take the outstanding balance (811 amalinlS YOU owe) at the start of the day. 4. CREDIT LINE - If we approve your application, we will establish a sell- 1 Then, in the sequence in which amounts are posted to your account, we add the replenishing Line of Credit for you and notify you of its amount when we Issue the amounts of all debits and subtract the amounts of all credits ar payments which post card. You agree not to let the account balance exceed this approved Credit Line. Each to your account that day. After applying payments and credits, we subtract Ina payment you make on the account will restore your Credit Line by the amount of the amount of any unpaid Finance Charges or La!e Charges. Then we also subtract the payment which is applied to thte principal. You may request an increase in your'Credit amount of any Cash Advance transactions that posted to your account on that day or lane only by written application to us, which must be approved by our credit committee in any previous day in the billing cycle, This gr.res us th6 Daily Balance for purchases. or loan officer. By giving you written notice we may reduce your Credit Line from time Average Dally &:slanca lar Casn Advarn;es - Cash Advance Transactions tiv-Wh are i to time, or with good cause, revoke your card and terminate this Agreement. Good posted to yrnlr account are not inouded in the Average Daily Balance caicuiation for cause Includes your failure to comply with this Agreement or any other agreement with purchases, and are therefore not subject to the monthly periodic rate for purchases. The us, or our adverse reevaluation o your creditworthiness. You may also terminate this Average Daily Balance is calculated separately for Cash Advances and is subject to the Agreement at any time, but termination by either of us does not affect your obligation Cash Advance Mant+ity Periodic Rate, the Average Daily Balance for Cash Transactions to pay the account balance. The cards rernain our property and you must recover and is calculated by adding the Daily Balances (Cash Transaction) for each day in the biifing j surrender to us all cards upon our request rd upon termination of this Agreement I cycle, and ether) divicling by the n'.:mter of days in the billing .-ycle. To calculate the Daily 5. CREDIT INFORMATION -You ar n zo us to investigate your credit standing Balance for cash each day, eia take the following steps Yle lake the outstanding balance when opening, nanc•:vuig or rot iew9ng yu,Jr account, and you authorize us to disclose (ail amounts you owe) at the start of the nay. TN.-.n, •n the sequence in which amounts information rcr aiding your ac ou,1f to credit bureaus and oilier creditors who Ina Aire are posted to your aw:;ount,vu .cd the amourts of i d r%its and subtract the amounts I of us about your credit starldirig, of all credits or rayments which post to your account that day. After app ring payments 6. MONTHLY PAYMENT - .Ne mill mail YrU a statement every mar h Shi.winy your ! and credits, we subtract the amount of any Unp.aid Fina,rce Charges or Late Char r_s. n v volts B 1 cc s o F . ,Lhasa a :,d crash advances, the c: r rot transactions or your Then v.e also si. btr,. t the amount of any Pu: J,a e Tr r:sac , that " a _ted ;a youf account. to e ,lair rig credit available Linder your C.rW;I L ne tr e- Neav Balances t a contra an that day or in ny pr avious day in the t)":! cycle This 'es us me Daily uru asps and cast advances. the T 4al New Balarc n 'he Finance Charge due to cale. Balance for Cash AGVa x:e. ,tansacthxis. Note: Cash Advances are always Subject to r.d my o her tilled f es. ar.d the Nl!r.„num Pay:mert required rid Ever} mrmtti year tutus! pay finance charges and from the day they are posted to your account. t east the N lin:m un Payment ::'Rhin 25 .lays of your to ement closing :>a;e By separ le ? yments are appl ed in trie i !Iovi;r-,,J i t.urs:r +,r,t !<, praviou. i late f ,:-es, 're- tc gr e ,lent "ou may utr r rile us to charge t e mini un, payment autumatica iy to your previous c s i ado.- r? Es ri ..,rice oh ,ins flier to pra.:cs purr e tin 'cc .,her., or checking eccourt Wt US. You may, if course. pay r,ore 'req cnt`g Pay move Char;a0S, tt:en to cu. ,.-it roc=s, hian , prec:c•.:...- . _: i. Ince balances, then to t i n : ?e Minirnurn Payment, or" pay the T. ial f ww Balance in f,Jil, and you will reduce the rev oos pu c -se b arc s i c order tir_t os < 1e ,'our .icco,_jnt Lien f,na w.o charge, by do:na so. If your niontriiy payrr.ert exceeds the Icral cre'rait line bait ? ,..e to cure^t cos i ad "s.^cr, oafrar•ces and liar: t c _.:u, t oUr_'r,,., :.a ,nces. C;ractts i ed we will "r" terra it <" y pct the eai to your St ras are acplieu i ct to the p r+ cular tyke- of .-,*bt ,;: icn , q _u:;ad, ary, anti then '. T hp rninin n payment ,:it be (at) i, of your Tb _ l New Ba!an(.e, iounded LIP t) the tc the Balance cf your ac rut ? c. ex vc-i z ol; - or {J) S20 00 .. t,.-. -e.. :s y c,.... .. In ; daP ",n, it any t.r: _ ,:.:r 1`Cla! ^iote also a::i iite +,.<.ta; of L d :; ciVr ., .::d ire- -'S v. 1 Ct1 23"2 ',;J>t<':1 t0 ',ou, Nev, L to E yo l t lit LnP, ` i l t . Aril.- ? r pay :n ex e 'rC our cunt t: J ie P 1' r Cot . -Q [ e "J r ',S - J r I to or rx - ds m o - r . v will t y , y tic lu+r ing roar er' f t t ,l )us fees. N! w B2!ar h awn on t s a err t...i ., it y tt.e t.hm:I,ly r criu,tc Rate -.re cu, e..._,h _1J.n e,.. +.n:..nc ha-•,,PS - Fr, rG e ,s in ,ri,r .ac:. y,.. cn , , u re:,i ±..,- Ent VISA' Credit Card Agreerne t and 71 urh to f.encting 6 DCFAh1 t- t ? a r t r "c ,, t : .. i..ySa.,arr,, ..t ,.'-,:in .y o.1:L't „Ir,•.:.;? .Y.:- r.::-. .,. ,. .. o Make tt e r inraur t duE: if your V 'SA ' , ;r. . _..• , W.; tern r-,p., nil ycur A114 :rid a .c «.,:. • lr i.: SI,.,A. , r,->nt t.5 .. L. r .. , c, xrrc fir 1 r r4:'13. YOU W11-,;. i.41*0 n0' III dr ! ,r a ta- t t •, i , c't j ?r b,aearne,ntaurerftuyrnrn..in ;nc a_e-,rif_u .,nr„rt.,3r,:- .vrcJ > roc e,edings involvt aj viva, your death or r r f ,ih r Tae ty hs A lt, or it the v.al of our „ccurity , te, est materially dec r eG.: r t . , ;x rt t It c rn ne dj ate'. I o finem of your full account balance if ycu ua!a3ult. S.bject to rur ,iii !J a anq r..,; ce j required by avr. TO the extent perminead by lair, ru will also ;. reti;irt o pay our co1oction expenses, including court co,;ts rd ea c nab e actor y .. ,g 9. USING THE CARD - To make a purchase or cash acivance. c^ene are two alternative procedures to be folloxisd. One is for you to present the card to a participating VISA plan merchant, or another financial ,rstilt,tion, anti sign Ina sales or cash advance draft which will be imprinted with your card. Tfte other is to compiete the transaction by using your Personal Identification Nunoer (PIN) in conjunction with the card in an Automated Teller Machine or other type of electronic Terminal that provides access to the VISA system. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. The montl,iy statement will identify the merchant, electronic terminal or financial instil-.,tion at which transactions were made, but sale, cash advance, credit or other slips cannot be returned with the statement. You will retain a copy of such slips furnished at the time of the transaction in crder to verify the monthly statement. The Credit Unio4, may make a reasonable charge for photocopies of slips you may request. 10. OVERDRAFT OPTION - If yr,u elect to overdraft to your PSECU Visa Credit Card• that etecton is sullied to the existing credit limit and the agreement it represents and the current loan policy at the time of the overdraft. You also understand that an overdraft will be considered the same as a cash adhiance on your PSECU Visa Credit Card and that the current Annual Percentage Rate for cash advances will apply. 11. RETURNS AND ADJUSTMENTS - Merchants and others who honor the card may give credit for returns and adjustments, end they will do so by sanding us a credit slip which we will post to your VISA line of credit. If your credit and payments exceed what you owe us, we will automatically post the excess credit balance to your S1 Shares within 75 days. It the balance is one dollar or more, upon your written request, we will refund the Credit balance to you. 12. FOREIGN TRANSACTIONS - Purchases and cash advances made in foreign currencies will be billed to you in U.S. dollars 'The conversion rate to dollars wilt be made in accordance with the operating regulations for international transactions established by VISA U.S.A., Inc. j 13. PLAN MERCHANT DISPUTES -live are not responsible for the refusal of any plan merchant or financial institution to honor your card, We are subject to claims and l tt card or y,_ r e .. , I:. t..,,tC t^.[. r. .``„,40 and t.S.., f(cu, a ^err a ,) Or P. l i0,? rt a.?,s of YOU' none. Any u :,r: ,is,, lea ) , r. , ":ITT!"; rl .its 14. SECURITY INTEREST " sec ya..,. ,uu ,` US a pu ,Ilase ,nay sacur'V :nteras•t us er the i!nror-r': ;tarn _ Co.,a:n -ny ;Cols you pa,rchasa through the account. it you ..ibfrult, w.:+ r.,: e tt,e right to recover any of these goods which vie have not t e ;n paid for tt:r_,L: jn our apt fic :Ion ?:if y-.Ir payments in the manner de_ crtoed i^ the FAantr y r' vm:ent Sec""n.'.v:th respect to tt:rs account only, we iviil rol assert any statutory right v.e ,-,ay have you are in default to prevent wwithdia,val of your unpled-yed credit. urk>n shares (De r_sits) below the unpaid balance of your account. Hcwever, if y%,u give or have given us a Specific pledge Of your credit union shares ;Depostsi by signing the Pledge of Shares or otherwise, or any other security interests for ail your debts, your account wall be secured by your pledged shares (Deposits) and by the property described in those other security agreements, except for your home. 15. EFFECT OF AGREEMENT - This Agreement is the contract which applies to all transactions on your account even though the safes, cash advance, credit or other slips you sign or receive may contain different terms. We may amend the Agreement from time to time by sending you the advance written notice required by law. Your use of the card thereafter wilt indicate your agreement to the amendments. To the extent the law permits, and we indicate in our notice, amendments will apply to your existing account balance as well as to future transactions. 16. LATE PAYMENT CHARGE - if your Minimum Payment is not received by the first day of the month fallowing your due dale, you wwil be subject to a S2o charge. 17. RUSH FEES - You may incur additional charges for rush processing and rush I delivery of cards and/or PIN mailer. 18. OVER LlMrr FEE-A $20 fee will be applied for each nw?nthly statement closing date i on which the outstanding balance exceeds the assigned credit limit by more than $I CO. 11 DRAFT COPIES - You may incur an additional charge for transaction summary/sale draft documentation. 20. COPY RECEIVED You acknowledge receipt of a copy of this Agreement. 21, ILLEGALTRANSACTIONS PROHIBITED -You agre=e that you will not use your f card for any transaction that is illegal under applicable federal, state, or local law. 22. NO USE - Inactive Visa accounts that have no purchase or cash activity may be closed without notice to you after 18 months of no activity. 23. NEURAL NETWORK - PSECU uses neural network systems to predict and prevent unauthorized transactions. There may be occasions when a transaction is declined because it is indicative of possible fraudulent activity. ATM CARD CARDHOLDER AGREEMENT - The Undersigned (you or your), in validates the directions given just as your actual signature and other proof identify consideration of THE PENNSYLVANIA STATE EMPLOYEES CREDIT UNION (we, you and authenticate and validate your directions to a human teller. You also our and us) issuing to you an ATM CARD, hereby agree to be legally bound by the understand that a Merchant which accepts the Arm CARD for a Purchase following terms and conditions. You agree that the use of your ATM card(s) transaction may have an electronic terminal (Merchant operated or Self-Service) constitutes acceptance of the terms and conditions of this Agreement. You i which requires the use of your PIN and when your PIN is used at a Merchant's understand that ATM is a credit-related service and you authorize PSECU to obtain terminal, it will authenticate and validate the directions given just as your actual a credit report on any users of this account. signature will authenticate and validate your directions given to us. You acknowledge 1. ACCOUNTS AND USES OF ATM CARD -You have the account(s) (including ! that your PIN is an identification code that is personal and confidential and that the Checking and Regular Shares), which we set forth on your application form with this use of the PIN with the ATM CARD is a security devise for your account(s). Agreement, You hereby request that we issue to you one or more ATM CARD(s) to j Therefore, YOU AGREE TO TAKE ALL REASONABLE PRECAUTIONS THAT NO be used in connection with such accounts as described in this Agreement. ONE ELSE LEARNS YOUR PIN. You understand you may use the ATM CARD a! a STAR SYSTEMSO ATM to (1) 3. LIABILITY FOR UNAUTHORIZEDTRANSACTIONS -You agree to contact a:s vrthdraw cash from, (2) make or arrange for deposits in, (3) effect transfers to or from j at once if you believe the ATM CARD(S) issued to you or PIN has been lost or stolen your account, (4) receive information regarding the balance in ycur accounr,s) or (5) or money is missing from your account(s). You also agree that if your monthly make cash advances frorn yourcredit account(s) in the aroour:ts you request.You ;nay statement shows transactions which you did not make, and you do not contact us also use automated teller machines throughout the United States and in certain within 60 days after the statement was mailed to you, you may not get any money I foreign countries which bear the PLUS SYSTEMO name and iogo (1) to make i lost after that time. YOU AGREE THAT IF YOU GIVE YOUR ATM CARD(s) and PIN withdrawals from, (2) effect transfers to or from, (3) receive information regarding the •rd SOMEONE ELSE TO USE YOU ARE AUTHORIZING THEM TO ACT ON YOUR balances in your Checking or Regular shares. If you have a Personal Service Loan BEHALF AND YOU WILL BE RESPONSIBLE FOR ANY USE OF THE CARD(s) BY approved and in place, you may also make a casn advance from your PSL. Yo, fu:.her j THEM. You could lose ail your money in the ac-count(s) if you lake no action to notify a%ccepted erstand you may use the ATM CARD to purchase goods and services I PSECJ of the lass of your ATM CARD or Pfhl. Safeguard your Personal Purchase') at any rota l ostabiisnmsnt ('tvierchart") where ATM CARDS are identification Number (P!N). Do not tell or disclose your PIN to any other person. Do by such merchant. If you use !lie r\TM CARD to rnai,,a; a Purchase to obtain ; not write your PIN cn your A`7M CARD. Do not keep a wrmen reco-d Of your PIN near { casts, if permitted by the Merchant, you shall be requesting US to withdraw funds in the j your ATM CARD. Do not choose a PIN that is easy identif!abie. amount of such Purchase (including any cash received from he Marc ant) from your A new card stay be mitered for you at that time and a 'hold' will be placed on your Checking Shares and directing arc ordering us in pay such'unds to ih.. Merchant, : old card. Attar such lire, if you find your old card, destnw the old card by cutting it You request that we will provide to yuu such other services or access to other ATM in hair, it you attempt to use your old card, it wl•I not ,worn. ystems or networks using the ATM CARD v hich 'we may later make ava dab`e and i 4• CHARGES - You agrea to pay a EO cent cha yc to each deposit or wi•tdrawal i vV hich we advise you wte offered in conrecton. with your acct Un s) set fortn, on ycur ' exceeding 15 a month. You agree to pay the ,0 cent penalty charge on any cash apFlt'at.cn farm. You ass understand ih at r rrn t ne tot time ycu may request r i disbursement transaction Doan advance or st3r6 nor;xvoaq that is less tear, $20. ivRing that via provide access to add ion a accounts of yours thr a gh the TM i you ng•ea to pay a 25 cant charge on each aiar:c n ,,try. You may Incur a cb rye CARD we have sued io you ou qre t t :e u a r +ne AT ki CARD •c Od for any adjustment that reeds to br made to Your ace.ant resulting r ,m an e nor tt s .AgrNCrr vt shall Le se ;c:. t ..: es „ d of tar , you made while nak ng a deposit at an A cr tea ra n r e iATM) Y :,u ax e t.hicn s _acce.,.sed by sunn Car -I. to pay tti n g -s or r r c n f e? v r iLh a-.2 by c t :r,e..e 5_r/as,s 2. USE OF PERSONAL IDENTIFICATION NUMBER ("PIN") WITH ATM CARD c for se vi, e, vinicn r a l;_,nr no Q:-crrd as s_ch ,c i ,a ,ass may .e irrpr_. id , -IOU u .:tiers;arc that a S i.AR „r ea PLUS SYSTc.I A -t.4 s .-.n aa,or* .e , or chaNe.'d from time to ,.r-,e. .: I r. it an ,,nj will penury n tar, -he. .,a:r_e L.scs 5. DEPOSITS - YOU ag e t:!< t i,,;nen you make a ?'•eas , at a S'AR SY"STEt.1S miat in e P rs a e U" Pr N71,1 t r;e nave he y .o a y- a a T. i,- ru n`d cry ca:fac.ie ATM CARD s Your ..e ,.rer :,, !.)e Cad ,-,ii to, you it y,a ae-.itc.r e.,.; , or r rs ._ . iA.R SYST E S A7 !,I. you SY5: -tits .?:r?.!. PLUS SYSTEM :rhos , AT, a au' _ . r.,.,:o .,na ur; crier .an 7 and acF ?I ., r'_. ... ...... .. rle.ctronic Funds Transfer, 1, IM Agreerrn qnt and HeJ r!<trorl 'E' Oi closure (continued} .tn.1 i.r t. .. 'T i:•(1T Ub uSit? tie ite,'ns t t,t Jcu a i•., i, lr osr,i .. „ter ., ,e. ;s l r - ;9 STAR SYSTEMS ATM that is , .rn,ad LJ as or another fine I tal :rte i :n. You also t nk r lUind Z:nd artrGwIea o krat not aii S'FARI SYSTE103 yaT FA / <u'rpt d-aosr:s and s•,rne STAR SYSTEMS AIMS rrilr !i.r,rt the trnCLN ct ,un-1s ar'^;rh may be deposited and that we Troy not cor:troi these lin-"s. 6. LIABILITY -- If the ATM CARD is issued for a Joint account, y ;t. agree m, to jointly and s;>verally liable under the terms of this Agreement and the Lgreer-?ent for such account, You agree that if you make deposit-,, or payments to your account{s) with items other than rash (checks, drafts or other items) and we make ft:nds r available to yinu from such deposits prior to their collection, you agree that we may daduct the amounts of such funds from your account(s) which are not collected ur, if the funds in your accourt(s) are insufficient at such time, y,>> will promptly pay to us any amount of such funds which are rot collected. 7. AMENDMENT OF THIS AGREEMENT -- You agree that from time to time we may amend or change the terms of this agreement including amendments or changes to add further ATM CARD services or to amend or change the charges for these services. We may do so by notifying you in writing of such amendments or j changes and your use of the ATM CARD after the effective date of any such amendment or change shall constitute your acceptance of and agreement to such j amendment or change. ` ! 8. OWNERSHIP - You agree that the ATM CARD is our property and you will surrender it to us upon our request, You agree ?hat the ATM CARD is non- transferable. 9. DISCLOSURES -You hereby acknowledge receipt of the. disclosure statement informing you of your rights under the Electronic Funds Transfer Act and a copy of this Agreement, REGULATION "E" DISCLOSURE 1. ELECTRONIC CHECK CONVERSION/ELECTRONIC RETURNED CHECK FEES - If you pay for something with a check or share draft, you may authorize it to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees- You are considered to have autnorized these electronic funds transfers if you Complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization. 2. SUMMARY OF CONSUMER LIABILITY - • ATM, ACH and SST - Tell us at once it you believe your card has been lost or stolen. Te".ephoning is the best way to keep your possible losses down. You could lose ail the money In your account plus your maximum overdraft line of credit. If you believe your card has been lost or stolen, and you felt us within two business days after you learn ct the loss or theft, you can lose no more than $50 if someone used your card without your permission. It you do not tell us within two business days after you learn of the Icss or theft of your card, and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as 5500. j Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may I not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money it you had told us in time, It a good reason such as a long trip or a hospital stay kept you from telling us, we will extend the time periods, l 3. TELEPHONE NUMBER AND ADDRESS TO NOTIFY OF UNAUTHORIZED TRANSFERS - • ATM - Contact PSECU at (600) 237-7328 EXT 3808 (nationwide) or (717) 234-8484 (in Harrisburg). After hours, fellow the menu options on PSECU's voice mail system to report a lost or stolen card, For VISA Credit or Debit } Cards, follow the dirertions for Last Car J Notification under the VISA Credit i Card Agreement end Truth-in-Lending Disclosures section of th I dccurnent. • ACH and SST - Contact PSECU at (800) 237-7328 (nationwide) or (717) 234-8484 (in Harrisburg). Or write to us at: Pennsylvania State Employe.os Credit Union PO. Box 67013 Harrisburg, PA 17106-7013 PSECU 81.rsmess Hocrs: 9'00 a.m. - 5:00 p.m M .. F -FDD f8OOj 472-1967 Nut onwide { Yt 7) 7772100 in Ha rnsburg 4. FINANCIAL INSTITUTION'S BUSINESS DAYS - • A'rM, ACH and SST- P`rF.CU's 5, s L_i,s ara'il,roa Fri_av. Holt.^,a:S not includc,d. 5. TYPES OF ELECTRONIC TRANSFERS A CONSUMER MAY MAKE - • ATM Esi.:nce i a,,w?ies on cnac r ,.:r: ?s .,•,d F'S_ .;;tt•, :auto';, -rn checi,ngsavings, cash zidwi ce ?S' r, ?.rcc rq',..ti.rys- urchesse goods aunt, s,. les at lr?c v..u trot. • ACH P aulh ?. 1 de' is and d - , cr, .:i ,: + >s. s • SST .. ,.... ,. .. ,.,. . a., .our `r,-r ,. <c....,, i _. ..., 6. ANY CHARGES FOR ELECTRONIC F't f:DS TRANSFERS OR FOR THE. HIGtiTTO MAKE FRANSFERS - • ATM - Fifty ?,r..S for (: c urof,n)vri acts;, or than S20; f'fty cr r•ts f- -r each transaction over 1,5 n ih, 27 c ,-.t for each I balance nquiry and there may tx to ids v r n nr je for any . tluS Merit that needs to be nacre to the ni,co„n, of any ricmrer who make: an error I wl tic do I positing at an Aut:,ma','d TeIer rite ;ne (ATIM). • ACH - 1330 sarrice charge for instr, , E.nt fw:ds for each electronic tr:msler. • SST - none 7. SUMMARY OF CONSUMER'S RIGHT TO RECEIVE DOCUMENTATION OF ; EFT'S - • ATM - You are entitled to receive a printed receipt at the time of ,1ch transaction. You will receive a monthly statement showing the status of your account, any transactions made during the niontn, and any penalties nr I charges PSECU may impose during the month. • ACH and SST -You will receive a monthly statement shoving the status of your account, any transactions made during the ntorith. and any penalties or j charges PSECU may impose during the month. ! If you have arranged to have a direct deposit made to your account at least once every 60 days from the same person or company, you can call us at (800) 237-7328 to find out whether or nct the deposit has been made. a. STOP PAYMENT RIGHTS - PRE-AUTHORIZED TRANSFERS --- • ATM and SST - Not applicable. i • ACH - Right to Stop Payment and Procadures for doing so. If you have told us in advance to make regular payments out of your account, you can stop II any of these payments. Here's how: Call us at (800) 237-7328 (Nationwide) or (717) 234-8484 (Harrisburg or write us at: Pennsylvania State Employees I Credit Union, P.O. Box 67013, Harrisburg, PA 17106-7013, in time for us to receive your request three business days or more before the payment is scheduled to be made. It you call, we may also require you to put your request in writing and get it to us within 14 days after you call, • Notice of Varying Amounts. It these regular payrr:ents may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set. Liability for Facture to Stop Payment of Preauthorized Transfers. If you order us to stop one of these payments three business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages, unless we request and do not receive written confirmation of an j oral stop payment within 14 days and the transfer takes place after 14 days, or you fail to give us proper instructions that would enable us to place the stop on the transfer. 9. SUMMARY OF THE FINANCIAL INSTITUTION'S FAILURE TO MAKE OR STOP CERTAIN TRANSFERS - • ATM - if PSECU fails to complete a transaction on time or in the correct amount, when properly instructed by you, PSECU will be liable for damages caused by our failure unless: (1) there are insufficient funds in your account to ! complete the transfer; (2) the funds in your account are uncollected; (3) the funds are subject to legal process; (4) the transaction you request would exceed the funds in your account plus any available overdraft protection; (5) the STAR Systems, PLUS system has insufficient cash to complete the transaction; (6) your card has been reported lost or stolen and you are using the reported card; 1 (7) PSECU has reason, to believe -hat the transaction requested is unauthorized; (8) the failure Is due to an equipmer ! breakdown that you know about when you started the transaction at the STAR Systems, PL US System; (9) the failure was caused by an act of God. fire, or -_gher catastrophe, or by any other cause beyond controi; (10) if you attempt to complete a transaction that, at a STAR Systems, PLUS System, or merchant terminal that is not a permissible transaction fisted above, or, (11) the transaction would exceed the security limitations or, the use of your XRA CARD. ACH and SST - if PSECU fails to correlate a tr:;r,saction on time or in the correct amount, :vhen property inst,uctr3d by you, PSECU will tie liable for a damages.^,aL:Sea by our flOure un'e.;s: {if there are in ificiant funds in yo,rr account io comple',r- the Ira^sar. (2i the cs .. your acr,ourt we uncollectod, (3) nC funds -re subla.t to ega- Fr ,:eras, ,,4} ttte transaction you j request wuuA x.ee, li.o 1u,us in ruur 1C ,.ur.i ?,;a , ly ;w-dabla overaft j C.adit (5) PSECU has reason to c+ieve that L'a t.`sact'on requested is unaumorized; (.i tt failwe .vas taus,>•a by an actct Gad, tare, or other catastophe or by another cu... ;yoru con': ;i• ,n a- y case. PSECU shall be ;'able oriy ii )r ac oa! overi and rot d,:ima'_es -he rdlfure t0 mate. ,l c "'ZinSaciiOri c-tl'cd I 'cm it b. is e Jr pie:S.pita PSECU's ,cr-dote s to av-..d s;,ch r tits 10. DISCLOSURE TO THIRD PARTIES -- • ATM, ACH and SST-PS IC -t r;_ ' accc lilt ,o Lard aunties. (1! .,,6!' it to ,' Etrc{rpnic Funds Transfer, A7f.1 ligreettent and ftegutatiCn "r" (continued) bisclls{rgr y,Jc•st t i . rd tf / u_.1 as a rr,.dit roL (t c 'r ply ?I f r t7 r' i t cy r r 1 r: Orin n 1CCoIil1 c r b I. 11r j,e 'r c r , i ' r r eCR, l; R. oc er n.e. nt or a. r r .t ,:e u.nsFS sub!: r - cr x.rt cr s ; (6) or r ci pt of c,:r;'i r..,,;m a Pedernl Agerc r d(:par I cM :hat a request for information , n c')rnpiamce wit,. ::< Right ,o F,nan-,ial Pn vary Act of 1978' R r ;at,on P. Privacy o' Consurr er Tina i., e' life-rnat r: and I iii .-,hen it is herc.s5ary io t legal <,i,,.. ,r. re- , or n -n=s. 11. STAR SYSTEMS SERVICES - • ATM Only - You may use your Art CARD rnih your For c l r: lr l,i;u r,iur. Number jPIN) at STAR SYS Ms oc tect n Del .vare, Va y! rd, New Jersey and Pennsy4vania to eanduct any of the fcliowing transactions for the j accounts accessed by your ATM CARD. a) Determine the account balance(s) of your Checking your Regular Shares, ar:d your Personal Service Loan (PSL). b) Withdraw cash from your Checking and your Regular Shares. c) Make a cash advance from your Personal Service Loan (PSL). I d) Deposit currency, checks, or drafts (coins are not acceptable) for i transmission to PSECU for deposit in your Checking and your Regular Shares, NOTE: There are limited locations in Maryland where deposits may be made. We wish to inform you that some ATMs located In these areas may only provide ' access to your Checking, your Regular Shares, and your Personal Servica Loan. Not all ATMs may accept deposits. Tflere -nay also be limits on the amount of ' funds which you may deposi=, in certain ,ATMs. 12. PLUS SYSTEM' SERVICES - • ATM Only - You may use your ATM CARD with your Personal Identification Number (P!N) at any PLUS SYSTEM automated teller machine (PLUS SYSTEM ATM) located throughout the United States, Puerto Rico, Canada, Great Britain and Japan to conduct any of the following transactions on i the accounts accessed by your ATM CARD, a) Determine the account balance(s) of your Checking, your Regular Shares, and your Personal Service Loan (PSL). b) Withdraw cash from your Checking and your Regular Shares, c) Make a cash advance from your Personal Service Loan (PSL). NOTE: Deposits are not available through PLUS SYSTEM ATMs. These are the STAR SYSTEMS services currently available through the PLUS i SYSTEM network. Other services may be offered in the future. 13. OTHER ATM NETWORK ACCESS - • ATM Only - From time to time, PSECU may make arrartgaments with other ATM networks to grant access to ATM CARDS. PSECU shall inform you when such arrangements are made and describe the services that are available to you. Any charges will also be described. 14, PURCHASE TRANSACTIONS - ATM Only - You may use the ATM CARD to purchase goods and services (-Purchase") at any retail estaNishrr:ent ('Merchant") where ATM CARDs are accepted by such Merchant. The amount of all such Purchases will be deducted from your Checkirg. When you make a Purchase using the ATM CARD, you will be requesting PSECU to withdraw funds from your Checking j in the amount of the Purchase and directing PSECU to pay these funds to ' such Merchant. 15, LIMITATIONS ON THE USE OF YOUR ATM CARD - I `` • ATM Only -You may withdraw up to $500 per day from one or a combination of your accounts by using a ATM CARD provided the funds are available at a STAR SYSTEMS or PLUS SYSTEM ATM. In addition, you may withdrawJpurchass up to $500 at point of sale locations. PS=CU reserves the ght to reduce this daily !imil at any time. In the event that year daily limit is less than $500, PSECU will advise you of the new limitation. The day for j withdrawal limits starts at 12 midnight each day and ends at 12 midnight the i rext day. For security purposes, there are also certain daily limitations on the 1 frequency of use of this ATM CARD. However, these limitations are not revealed 'or security reasons. The Pennsylvania State Er1lp!oyees Credit Union is not obliged to rraintain such unitatons. e l f r1 p c i D r i x(r .y l 1t`l,^r i:F.; 1 Sri ?,. ,.., o I o t c y, i.' acco a do :t c-;Le' ilE rOCF't fc_.. I I,._r;I' LL. N.. (,- t i,vr exceed ..he frsgijerlcy 1. t ,a I1-nit,'r>n 7'-o roc_ ,t STli f, SYS t Etas or PLUS SYSTEM ATt t or of to=? I_^rI Them 3!nut on 'f:3r te. 0' Exceed ' 1e lin•I ,i t result in ma., l r I c .r ATM CARD t nor r , r of a'tcn.pts that result in inachine niter;'un i., r ,()I : eve. c i or si 1.wj-,,y pu, c!scs. ' 16. ERROR RESOLUTION PROCEDURES • ATM, ACH and SST - In rase ( r .rs _r :?u,_ Laic^s at r ut yo r t ansa rls: Direct inquires to PSECU at 000i 37.7323 Nationwide. tUG {800 472- 1967 Nationwide, x717) 777-2106 it H r !. burg, or .site PSECU it: Pennsylvania State Erplcyees Credit Ur cn, PO. Box G:'013, Harrisburg, PA f 17106-7011 as soon as you can if ycu thmk your statement or receipt is wrong, or it you need more information about a transaction listed on - -statement or receipt. PSECU must hear from you no later than 60 days after it sent you the first statement on which the problem or error appeared. You i must provide the following information: a) Your name, account number, and ATM CARD number (if a ATM transaction), cr reference number (it Se!'- Service Telephone Transaction); (b) Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need the information, and: (c) The dollar amount of the suspected error. if you tell PSECU oraliy, you must send your complaint or question in writing within 10 business days. PSECU wilt tell you the results of the investigation within 10 business days for STAR SYSTEMS, PLUS SYSTEM. , SELF- SERVICE TELEPHONE, or DIRECT DESir,CREDiT TRANSACTIONS, or 20 clays for STAR SYSTEMS purchase transactions. If we need more time, however, we may take up to 45 days for STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE TELEPHONE, or DIRECT DEBIT/CREDIT TRANSACTIONS or 90 days for STAR SYSTEMS purchase transactions. If PSECU decides to do this, it will recredit your account within 10 business (lays for the amount you think ' is in error If it is a STAR SYSTEMS. PLUS SYSTEM, SELF-SERVICE TELEPHONE, or DIRECT DEBIT/CREDIT transaction, or 20 business days if it is a STAR SYSTEMS purchase transaction. You will have the use of the money during the time it takes to complete the investigation. it PSECU does not receive your complaint or question in writing within 10 business days, PSECU may not i recredit your account. It PSECU decides there is no error, you will be advised within three business days after the investigation is completed. You may ask tot copies of the documents PSECU used in the investigation. It PSECU credits your account while investigating, you must repay those funds if PSECU concludes no error has occurred. 17, ATM SURCHARGE - If you use an ATM That is not operated by Us, you may be charged a fee by the ATM operator and by any national, regional or local network used in processing the transaction (arid you may be charged a fee for a balance inquiry even if you do not complete a fund Fansfer). The ATM surcharge will be debited from your account if you elect to complete the transaction. Notice To Consumers Using ATM's • Be alert to your Surroundings. If you doubt the safety of a parv(%laf location. choose another ATM. • If the ATM has an entry door, close the d_r prior ro initiating your transaction. • Put your cash away immediately. + Direct complaints concerning ATM security to an appropriate department of the owner of the ATM. New jersey residents: ycu may call! the New Jers=:y Department of Banking at (609) 292-7272. For those members who purchase a vehicle under the DRIV Program, please review the following FTC Notice: NDTI-Q-1 ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAiNSTTHE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. •a F a o w A1, h d V ? N ?I W ?g ro C OL 5R y Y o 1i ?s i a U c - c ILn o e P ? 'c3 O o t: ? - G Eqq 4, .. .S ro t ? U T +v? `VVV LS t3 D y O E C L 1 y R; ? 7 O O ? J = V ?? ?.' ? s^ u w^ v c3 c $ c ? , r> Y ,q C O O ? V V i m p C e a q o W eVll M L 'L 'FU ?7? ? S o) af?a, ^ Yn Y U,g o? ? °eg e O IL U LL .? b ,L ygy o u y ?6 1 N e p N '? pqp b a?'Nn ?@ y *' p y m C9? o e = u .? ^ ?- 0 cad eL L'v.a r"m Y viJitldd 66 Vii. S !-_2 ry ?D O c ?v?r S o e° a V$ v V v E.? `?'? l:f is 7 3 `.' F ? ? c M Lew ?> say ?w o o 9 p. ? s Q N Y Y G ? ? g y?y ?? ccrr C G ?3 N v y Ni O ? l1 ? t S c ? ? 3 c w +? 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EXHIBIT "C" JUN 0 g ' nri?f SIGNATURE LOAN ACTIVATION NOTICE June 6, 2005 Applicant Information: SS #: 201-64-3546 Applicant: RAYMOND L WATTS Ref #: 460852 598 Work Telephone #: (717) 802-6204 Approval Amount: $10,000.00 Home Telephone #: (717) 731-6294 Account Number: 8903841180 Signature: I acknowledge receipt of the PSECU LOANLMR Disclosure and Credit Agreement and agree to be bound by the. rms set forth in said agreement. Signature of RAYMOND L WATTS Date SIGNATURE LOAN OPTIONS Purpose: A6-",( Please select one of the following Signature Loan disbursement'options: Send a ,Pr check, or ? deposit to my Share 4 (MoneyHandler/Checking Shares) Please select one of the following Signature Loan repayment options: ? Payroll Deduction [Home banking ? Automatic Transfer from PSECU account ? Self Service Telephone ?'Coupon ? Direct Payment from another financial institution ;..,..; ....; .,..,.., ....: ...............:; .,..,..; ; .,..,. CJ's &i?:?rifing::LSfr' •:T:CC• 1RkE :%r t ir?v :::•:N6t•I i:: ..........: .............: ..........; ., .,. .; .,.? .; .,..,.... ; .; .; ., ., ., .,..,..; .; :..; ., . -ice L4r+l ?J i4n: t.: Title First Middle Last Suffix Name: ? ::::•::•::•::::• < :w: t'............,i:i::i::-: .. ATTS.........l '.:..'. :.:..::..R Birth Date: 01/10119......: SSN: 201 64 3546:::' Total Number of People in Household: Citizenship: U5 Citizen Borrower Type: Applicant W Spouse of Borrower: hJo w: Marital Status: Mother's Maiden Name: ? CB PIN: Email: RWATTSEMAIL@HOTMAIL.COM ii ii AKA/FKA:< ::' .....-c:'E. . ...... .... ... ... .. .... .... Foreign AddressApt / Bldg / Unit ' ........................... Number Dir Street Name Dir Type Type Number .. • Standard 11138 ':: OYSTER MILL i RD '' •.' .. .................... ;4 Rural Route ' RouWMilitary Type: 1 Number: Box: ............ .,.,........................... FO Box ... .. PO Box: :::::::::•:::::::: County: ..................... ...........................' Linn 2: City: CAMP.HILL State: PA w: Zip: 17011 1003 ......................... ............................... Province: ..:< County : .......... Postal Code: Phone: (717)731-6294:: Ext: OResidential Status: 1Other Time at Address: 0'': yrs mths . •...... •.: Cellular: ( 1 • • '• .:• ................... Phone r-?urnber verified.,-: Address verified.:::::: W.. ............ ................. .......................................:: ..................... ?;4p plicant's mailing. address is. the same as the current address,;...;. 10: Collect Previ. .Q.dd. ous ress Information. UnL!cntiritw!, Review 12'0612007 3 39pm - PaeC I of 's Position: i. FORKLIFT ...............,............. OPERA T... T . OR ...............................,.;..... 0 : U nemp/Student/H ornemaker :........................................ • ......: ;:Active duty military member:: Employer Name: OLD DOMINION Phone: (717) 802-6204':: Ext: Cit : :.... ; State: Verification Phone: ( J Borrower Code:'':Non-Ernployee Loan i' Time at Pres. Employer: yrs ridhs Income: Pad Basis: Proof of incorce recerred.•:: ............ .................... Grass Salary: "Annual Y Employment verified.-::::::::: '.•--•----•----- .........................•..•..•.:.. OT/Bonus/Comma ,Annually :Income verified.:•::::•::•::•::•:: ........... :':::::00 :....... "" " Other Income: :.:....... ?A,nnually Source: :•::•:: ::•::•::•:::.::.::;:;:;:•::;:;:.::•::.::.::.:::::: .... Alimony, child support & separate maintenance income need not be revealed if you do not wish to have it considered. ;:Collect Previous Employment Information. Creditor Account Number Payment Balance Type Last Act Date PO Estimated Payment 199 10000 1 Alim, child sup, court ordered 0 0 PROVIDIAN FINANCIAL 3818649378 20 797 R 05/2005 CITI 542418083289 41 1968 R 05/2005 P S E C U 89038411800001 60 2845 R 05/2005 WFFNATLBNK 7280091691 42 228 R 04/2005 ...................R ...<..<..:.' ..?..' S1 Debt Ratio: EE? LC Debt Ratio: Total S1 Pmts: '::':::362: S1 Proi Debt Ratio: :;::;:12 Original Application Factors used in Automated Decisioning Housing Pmt: :::::::::;:0.00 Other Expenses: 0 Application Loan Prat::: ::99: Total Monthly Adj: LC Proi Debt Ratio: 12 Total LC Pmts: 63: Current Application Factors being utilized by Underwriter Housing Pmt: Total M onthly Adj: Combined Income: .....t : : ges lect::: R [1nselected: ; Monthly Income Summary Gross Income: '::'::'::-.'-* 3000: + OT/Bonus/Commission: + Other Income: = Individual Total Income: ............................ _..........::.::.::.:::<.: ...................::<::.::. ............ Other Expenses:;::;:::.:. Application Loan Pmt: '::'::;::;::;;:;:199: ...... ....... LC Proi Debt Ratio: ."-. 12 Total LC Pmts: ' :::::::::163: Ratios Revolving Debt: Housing Debt: ":.":'.::'0 Total Revolving Line::522 Net Disposable Debt: :;::;:12 Residual Income Summary Total Income: :;::;::::;3000: - Residual Adj: F.T. - Total All Pmts: = Net Residual Inc: '::2638: Net Disposable Income: :::::::::::::2638: t rd, cm itin Itc?it.? 12/06/2007 3 Spin - Pa-2e 2 of 8 Product: rt rt ''..... " . .. # of Payments: ;: ;: 65 Payment Period: <hAonthly xi Total Collateral ?lalue: ': 0.0Combined LTV: ': *.'.'• `-..:'..0 Total Debt with Us: '::'.10000.00 Current System Decisioi Decision Party: Applicant WATTS, RAYMOND L (201 64 3546; Score Summary: Total Amount Financed: : 1-1130-0-0070 Estimated Payment: ; T.- : ;;:199.43 VRecommendation: Approve:::: Application Score: 23Q Cutoff: ;:1951 Borrower Bureau Model Score Missing Fields WATTS, RAYMOND Ex erian Ex erian/Fair Isaac 0683 WATTS, RAYMOND Ex erian Li uidCredit Final S 230 0 WATTS, RAYMOND Ex erian Li uidCreditA, Sc 34 Debt ! Income Summar : 1Borrower Income Pmts D:I Prj DA WATTS. RAYMOND 3000.0 362.00 5 12 <Manual Loan Number Loan Date: 06I0412005'::;Q Loan Number: t Suffix: Disbursement Date: 0610412005':::Q Reported Amount: Maturity(Due)Date: 11l04/201Q;::;Q Primary Collateral Code: <Signature/IRA loan ;? Down Payment: ;::; ;::;::0.00: Funds Request: !N ew :• v New Funds Amt: Payment Type: Installment ?. Interest Accrual:?tuall365: wj Payment: .--.-;::;::199.43: Total Requested Amount: .. 10000000 Requested Rate: ;::;:0:00000:. Final Payment: ;89: Loan Amount: Interest Rate: ;:::: 9.90000: Maximum Term: + Total Financed Fees: ' 00 + Total Financed Insurance: .............. Interest Rate Lookup: Total Financed Amt: 0000.00 :alelalte:• :.:..•..•............• :....... :............... Use Dectsionparty rate. Rate Type: Fixed ................ Lock : rate. Rate Lock Date: Undcrwritina Rccicw 12/06/2007 3:39pm - f agc'.: M'S Credit Life Selection: one -.. 1 ................................................................................. N Plan:: ....... ............. .: .:.:.:.:.:.:.:.:.:.:.:. .. . ........ .:. :.:.:...:.:.:. Disability Selection: fJor-,e Z: Plan: Coverage far: Applicant WATTS, RAYMOND L (201-64-3546) Credit Life (Decreasing) Credit Life (Level) Disability .Premium Paid in Cash.:: .. Insured Amount: O.OU .... :D.OQ ...................... Monthly Benefit: ': ...: , • •:: •.:O.OQ Premium: :::::::::::::::::O.OQ ;O.OQ O.OQ Cost Per Day: ;:;::;:;::;:::'::':0.00 End Coverage Date: ::::::::::::::•::? :.:..•.:..•.:..::.:. :.:..•..•.:.:.:.:. Coverage Term: ;::'::'::::::::::':::: Q ................ U ::::...:::::::• Q Date Interest Principal Balance Payment CL Prm Dis Prm ;07/04/Z005 81.37 118.06 9,881:94 .. 199.43 0.00 ......................... 0.00' • 08/04/2005 83.09 116-34 ...... ......... ......... ................. 9,765.60 ........ ................ 199.43 0 00 ............... . ............:..:. .. 0:00;::;: 09/04/2005 82.11 117.32 ................................................... 9,648.28 .. : 199.43 0.00 ...................... 0.00,::;:: 10/04/2005 78.51 120.92 ............................... 9,527•.36 .............. 199.43 0 0 0 0.00.:::::;:: 11/04/2005....... 80..11......... 1.i9-.3.?.. ......... 9,408. 04 . : 199.43.......... 0: 0 0. 00•::*:':: 12/04/2005 76.55 122.88 ............................... 9,285.16 ... .. . ....... 199.43 0-00 .............. . ..... 0 00;::::;:: 01/04/2006 78.07 121.36 .................................................. 9,163:80 ... 199.43 0 0 0 .............. . .: 0 00;::;::;:: 02/04/2006 77.05 122.38 .................................... 9,041:42 ... . : 199.43 0.00 .............. . , 0 .00;:: 03/04/2006 68.67 130.76 ............................................... ... ..... 8!910.66 ...... .............. .... 199.43 0.00 . ...... ............... • 04/04/2006 74.92 124.51 ..................................................... 8,786.15 ......................... ................. 199.43 0.00 ...................... .. .. ...........:..::.. 0.00' • 05/04/2006 71.49 127.94 .................................................... 8,658.21 ... . ................ 199.43 0: 00 .............. . ............:.. .. 0 00;::;::;:: 06/04/2006 72.80 126.63 ........................................... 8,531:58 ... 199.43 0 00 ............... : 0.00;::: 07/04/2006 69.42 130.01 ..................................................... .. 8401.57 ........ .. ........ . : . 199.43 0 00 0 00.::.:.':: 08/04/2006 70.64 128.79 ............................................... : ...... 8,Z72.78 ... ...................... : ...... 199.43 0.00 ........................... : O.oo':'::: • : : 09/04/2006 69.56 129: 87 8,142.91 ........ 199.43 0.00 ............ . . .. 0.00'::: :':: ......... :.. APR: ;::;::;9.9000Q Interest Payments: ;::;::;::;::;:1.66 - ::': , • .:•83.09 # of Interest Payments: ;':65: Total Interest: :':;';2962.41 Total Payment: ::;ii'::'i 12962.41 :..•.: :':•:;:•:f flriLAiportiz?tio :;:•:;:•:':•';; ....: ::':f?rihf:Galcpl?'tfpi?:5?tirif>ia'r':•:' •."• ...........:..i.... Number of Pmts: ':::'65: Pmt Period: Monthly 1st Payment Date: 07!04/2005::: N :End of Month? State:: ............... • R UIldcl,1L r111;; 13/06%2001 3:3?)hm Field Label Value Member Code 0 Current PSLV LOC If HELOC, immediate adv amt Deposit proceeds into S1 or S4 `XNET,XNETRE,XPHONE,XPAPRE, XNET Disclaimer Answer AYES or CYES AYES member requested # of payments 0 Type: AII .......:......... .. tLldcr%?rit ill e_Recinv 1?;06/2007 3:301)m - Pacc $ of ,9 EXHIBIT "D" S E CO gan5yl v,j g State. m loyees Gr ail t lair r I, Z. Loam Disclosures r • l'ni t C :'°JLI. _Ra Ct C {i t..c,.'•: L yrr:.; Ja•:.. -,. interest Cr 'rt erti - r`a ba .ue:, it '. a u... t dit got r pexn.t r ,', •y r' c -tc -c t the Plan crc e , nc,:! Of c y : ,r .I J,.-i, cr may Le r.x t r.i 1 1. a,;t o t, :, a aI. You, yours :r borrower , a y ,c:: 0 F! t silt i Ore r a L ay is jf , r -, ? ,^n f till- rat uha tt,_ se .,dl the r Win. Credal union- we, our and us :,. ..a r'E Dc;Cll .,r .. y r c , a .: ,• r r .:,, r:.tic any rut cc.., r er,u,..J by la;,. Lin n tr ^,ster is rint is midi: r We Plan, PERIODIC STATEMENT - On a r idler his,,,; v,t reiv-e a alarrel t nw ? , HOW THIS PLAN WORKS -- Trs is a-i , . n c ul r :alt d a ;. aJ i:r, c. all ,rat a?;t;c,ns :rrcfer ,he F'I i a au.: irq t c pa,• a c.,.ered by, the sal me I a nt,"rpatc: that, from time to t.-'e, you will t: ... i,.: GU: fly i4 .af 'cidVd'1f.::5•) undo 6fa"Omer n.. ,trio notlCt. veI b0 sent to you at tl'e most r 'E-'Crn( address fr`ll h,?Ve the Flan, We are not required to make advances to you under the Plan and can ? g ,eel us to v r ,n'_t, Ur Ic-55 apt I c to ?. TriireS n?r ce ',r.% e+, n lair t borrow:f?!, refuse a request for an advance at any time, Tli .A:fda, ro...r- de_,c.r bas h. notice to any o c of yet, .,iii ha -,Owe q tda slit e r t r pas of Cred t i 11(;d 'u acrul,ts) v;;d t c a .:ter t e F ri Curler[ i JOINT ACCOUNTS - if IrI;s is it joint acr-o rt each of you is :r:dfviduari, and nti interest rate 'Or each rbaccoun( Yea iessed as a fatly rc ,rdic rate and ic •' •s responsible for paying all amct nts ov e;f That ^laars 'fro can enforce our rights corresponding annual pu t ?,hta ,a rate v t oiha Ohar lei it r, gay a!<o ha.e n r farms and a schedule for the under the Dian against any one of yn.a ndtvi.iu",+y cr against all of you tagethar, If you d. ,e, rmi ing pay rt t ,root .t . give us incon ;..tent instructions, NO can rchise to follow your 'nstruotiOns. Unless our CREDIT LIMIT - We way, but d not, have tc e t9b!ish a c alit licit on t erta n written patcy requires all of you to .:'go, for an advance.. Pace of you authorizes the i SLIOaCCOLLWS II a credit limit is se for a suba rd ,C+tt prom Se Flo! in cxcet Iflz otheris) to obtain advances individually and agrees to repay advances made to the established rc Sit lint If you xceed to nri,drt snit, y ,i r,r:oils. ..a :n aMlar(s) Any joi .t acCO+anthoide nay termin ate tie Plan by giving n1 prior written 011 ,ediately ,ha a -G, Ent w Itch nIxCeeds 11-t z, credit fill :it. notice. If any of you terminate the Plan, the Plan s terminated for all of you. You REPAYMENT promise to repay ail n)ourts you Owe under the Plan Pius I remain iiable individually and jointly or lit advances incurred before termination. frttcrest. Payments ara dco Oil the apt da of the :north l riess eve set a a t cram day / ; FEES AND CHARGES - Ir yew give us a security interest in certain types of at IN) time Of an ;;d nr ee. ',! he Addy , t r rri no ,rsyr r t sc ed e fw a property, we may charge YOU a filing fee to porffrt our interest in the property. If we sub c c ,ri, yoUr payrncr t f.iu e er ire a! e me if .fern d acacia do, the amount of the tee `tyid he disclosed to you at the time you Obtain an advance, F ayments Must tic de a uy an cur. past C.Ce Ito ai?y x,r t y vvl,ic h YOU haw . j We may also e.harge you clMor'ties in eosin c.ion voth the Plan. Our current fees are exc>odad any c.ea limit you ha ie been gi fir fora L ha rot ht You May r .,Wry ail d scloser,, on the Adcendurn and wit! be added to' Uur (pan balance unless you pay or part of what your owe at any ti,-,e yr:thout zany pfePayme nt ponaity. Even if you thrum in cash. prepay, you will still br' required to make h,, ogc;l<' y ,a hedu erl payments 'rle ; we agree in writing to a c!tar!ge n the payment uheduie If you h e a i0 (u UPDATING CREDIT INFORMATION - ;'ot t or.:se hat you wit) brornptly give us sharedraft account, you ..ill he respor1slble for Paring all uytrdraft alva?Ces i 'itriter. notice if you move, charnae your rame or wripioyment, or if any Other j Obtained by a Joint holder of w haredra" account Unless t t r#i,se eq-1wed by I ir'furr!aation you provided to us :. urges. Upon )t.tr 'CgUest, you also agree to law, payments will be applied to am0ti9ts c.waad c:nr:£r the Plar,, n the Mariner ttprav!de us updated friariciai iriormation. Cranr, Union chooses. I DEFAULT - 'rho following paragraph applies to borrowers In Idaho, Kansas, PLAN ACCESS -You can obtain; credit advances in any manner autinurlLed by us if I Maine and South Carolina: You will be in default if you do not make a payment of we allow you to use your ATM,'Debt card to access the wean, you may be liable for tar I the arnount required when it is die You will also be in default it we believe the unauthorzed use of your AflvitDebit card. You will not be iiable for unauthorized use , PrOllpert of payment, performance or .?ai,r;at'on on any prpperry gh^an as security that or,CUrs after you notify us, orally or in writing, ;;f the loss, theft, or possible is significantly impaired, unauthorized ase. if you bet6v'e your ATM Dot.4 cart has , ne n lost cr stolen ? The following paragraph applies only to borrowers in Wisconsin: You will be in i nmediately inform the Credit (mion by calling ,r iwrinfig us "t the te!-,prane nt,nlter cr ; default if you fail to make a paymtdnt when clue avn times during any 12 month address ;hat appears e!sewhere rri ttha Plan t r: card s used IL Main a ruthor zed i period. You will be in default if break erg a^y promise made undo( the Plan materially advances, directry :om the Ran, your ani',ity vrit rvt exc :e,d S51?. If tt-.a u utt orze. i irtnp airs your ability to repay what you ovie Or materially impairs the cordition, value, ! withdrawal is from a sharedra`t ammunt, your iabiV-i is governed by rte N gt.€ ,On t ! or protection of or our right in any property you gave as Security. disclosures you received at he time you root; E i yr ,ATM!;} bit Card :Lori if this 1 The following paragraph applies only to borrowers in Iowa: You will be in ,viYrdrtawal re5..:ts in it, v ::.e n:;La ! I.' yo r ,y r rat tI a )t default if you a e r+ore 1`^,an 14 day late in making a Cayrnerit. You frill at so he in FINANCE CHARGE - The doll it r vin you pay far c r ey be r 0 v -r c ailed a i default If you (to not comply with tt e terms of the Plan and your failure to comply ! `finance charge of bee; n, on if),) data et each adv ar c.e. A f mantic c r N;il be (rater ally Irnp ., any property yo.; ;,ave as secfitriy or your atbili!y to repay what YOU 1 computed sep arately for each Separate b i nit: unocr the Pl ar. 0 L n i U. the ! owe under the ?Ian. ! finance charge the urpa d ba!arr,, for Oec,h jay since your k st payrne t (or ,:ncc. nrice f you havu not yet rr a 3e a a smart) ism , ip+i -f ty th ,pp. c t e d ly j ing paragraph applies to borrowers In all other states:You will tie in j The following adva default 4 you CIO not make a payment i _of ,he amount reguured when it is due.You will , i periodic rate, Tha „ t,m of these ar aouu,s is rue finance, charge ov ed. e L Glance be in dotauit if ou break an romisa a Plan or i, anyone is in made under the ilia with an j used to compute the finance charge is rho unpaid balararo defat;a under err security day attt-r payntenis ! Y y p you c and credits to that glance have been sub rrt,ted and any add,tsorts to tile balance advance Under the Plan.'eou will be in default ?aerneri made in Cunrhr if you die, file for bankruptcy, become inSoMent, it you ' mo been made. it,, addition to interest, we may charge either finance chit. g s then ;,;aka any fatse or misleading statements in any o'edii application or update of credit ? are disclosed on the Addendum If the interest ate ?s a variat: e i ,serest rate, the ;riformatiora, or it somothing happens wo believe may sUbstanfiaily reduce your Addendum expia:rs ho'w the variable 'nterE t r +.a vror„s bl;ity to repay what you owe. You wit be in iefautt if ;an property you have ven SECURITY - You pledge as sec, iri-y forte Plan tit shatres and dividends and, if es as security is repossessed by son-eore else, seized t ner aforfeiture or similar i any, all deposits and in rt in li joint an ! individual accounts you h with us ? law, or it anything else happens that significantly ahects the value of the property or now and In the future. if a peel C ici!ar am„ tint s pledged for ;,n advance, we will our security interest in it YOU Wit 8110 by in ciofault under tyre Plan it you are in default ! freeze shares in that c c oe ut to the extent of the ,taut arr+ rig baiarce for the ? tinder any other loan agreement with us. y adv rice. Otherwise, your J!edged s, area craw ba iihd.av,n uril ss you are In default. The following paragraph applies in all states except in Ohio, Rhode i ACTIONS AFTER DEFAULT -- The following paragraph applies to borrowers in Island and Massachusetts: We navo a statutory lies i; fta shares acid dividends i Colorado, District of Columbia, Iowa, Kansas, Maine, Massachusetts, Missouri, I artd f any', the deposits and 'nter.- t in al! it +P IC uai and j pi r: ^.counts you h . u 'Mitt Nebraska, South Carolina and West Virginia: When you are :n ciekiult and after expiration of ar y right you rave under appl caule state law to cure our default, we car, US at,,-' may tier >e our n, i a da., the 1 ,en { the x -, pe r r 1 e-, by t 7C, law. Y sb ;arC stag a nr tared it our name 1,1,,3 rot nc .fie tier r..m Fc; r3( Credit d - nand imme:J' tc, payr.,F•rtf of It e ef-toe I nP al., ,afarice under the Plan wancut Umcn:'i For all borrowers: The statutory lien and/or your pledge will allow us giving you ,tdvarco, nOUce- to apply the funds in your account(s) to what you owe when you are in default. The following paragraph applies to borrowers in elf other states except Wisconsin -tits t rosy !:en and y nu, pit O do i iy !r r vil l 1 t r r:.t r and Louisiana N. o t v nt :Sri; n f fadt we can quire aan rc ate payment ACc nt ,r arrit ct er acc rr,t lha: e ol. <, r + e e ,,,um i p Lid h l anra I nil r n , la . r t Naive any rigtt you have as ? .w..y. dish inc. ur p ,y' .,..,', n , ,ce of :r o: nt t., a.h f „olice al ae, e;erauon. At. nr -, eu l ; ., r=ei(I y ua + r e :. r :j 'k it The following paragraphs apply to burrowers in alf states except Visconsin and ! "es a tr,..- of rri r.. v r cr , .. C,::ars'l o,; 1t,c. ,,;cc t,l<-t ? Louisiana: if ir-ImeAlaw %ay.. _erl is conLnue',o pay irterost!;nUl ? Of r c I)0 c t r lllk! r i , t t t: t , t ur, r a! you cv-e half t r en re p a,) at , apt a' • r r ..,t t -; in e ct ur, 'f ,appuct,biE cec amt t ) ri at the ct-a;,,t rr disclosed r,n rt r ti if e and or A e r r t tr r. n ra i itc , ay c nl ;:< t e Lr. -r ?zil L . F t t r yo a , b n ads y, ;her chu k. a e n a - f 1 tow el ,.fiat rr u -,o 7 ;E C : y f I. s t L l . r c •4,t-7 ti ... , ,r 7 .i5r, i rri t ? 'r , in hC. Lfi: tic , 'E ' EJ i`e. ., :7'.£ .v i . n!", ',y? -c ..a I a ,so .. 'etc, y .(ner S Ji ,hi 1 f.-Yee •t er y<' fP c.U,-,••?.Ir,_ ,g! ,,-by alien .la_ir ef<-lat. r,S? r., ;e".-; ?tf-.c'tii if rot r i , rl y f n sty n. nr CREDIT INSURANCE - r `r' n. i ca, hr r n ( l t y+; r^ ,i" f E t t Ga t `1 ' :a 17 ou LCANLINEf1` Cradit :.'I; S.S C rfty Cifall Aclrf toe a ,i. ]l tfrl U,4rlf The fclVwing pa! ;gj;jpt)S :a*Ip)ly if rJll ?IVC` Sc C'url!y in ConheGflot) 4'li h an r rr t p, advance urdf;r the P f.fn. They apply tv bcr7GY;Grs in -,It states except Lrtiil S!BnA Louisiana horrov:ers vAtl execute if S pn me S ca rl c Prlt. 3ortowefs in age other states may also be asked to ex,u:t is st.pard c secunfy a reeme!It. r .., ! o f FOR .T F THE SECU I Y r THE r?l A i - .. C, r., e - .c .. . i r , ( ty ?t C a ;f c i Y f 7 Ex- ft t,h : > > ) -f I -fr rtt q r r tr. ( C 4' r Ir ; tij 1 i Ii 4 ... t ,.f 1:' t t r r..: I f r -(I ( o )? P r l t1.: 7 tCi r a. t f i S .. J (.. ,I d s n J a :. .r-o t, a t , r t r r :11+ f i; of th,':. E f_ p ' y 'A'I'liC JO. Jy 'i Tn 10 /" CJ t _ n in r r;, IS P f/ f Otsr 7 F t ei' )r .. , L ei:I, k,f ( t o Jr r rU(; or tr „ A 1 irwo 1 f ) '( o. py y, i P f i r fr.: rr! j Il .ty i --'r . T p l "pry 71(urt r..1 . t r" 1.f. , r' I r;d -aft. r if v r e3 .r 11 , Jlit f the *ropc:rty rf f!nrn n •t. trco y0 ri ,,rl on ;} p f _ If !I ,e l';1_ (,f t.,. fC; f t,•i :. . f r I, ....i L:c:rarce -_;ndrr the 'Plan. You i? ..c if p3f !it:eril,,t ., } ,h::. afrou '.t at ..: t tfCsC''I .4 u, ?U Cllt'!_ f -t : >r Y • l ?i:?,? us fr.Vf3 SI _'.ii ll! t7t<E;Ci !a r;0 Sp. s-itnr. r3'a !?( t C x cr, !if :1 ], «' I'll .err •,n ;-f. ! 3' : e t]'Nd f WHAT THE SECURITY INTEREST COVERSICROSS COLLATERAL PROVISIONS Adc.carld .r) „ .'JI t.) it <e -u(.fit has beer paid, - f t. S2CUrYy Into f?_ 1 S 't u. V the An 'i r4 C s ,f nC11 r. (n&, rf-ff Ip(, F )t C ,^.r or f y ; The following paragraph applies only to Wisconsin borrower ,'ih n you i.rc' r other 110(li.ment you rcc:-re 11t ,he slide of the Add) since a'ld ar y ;.X,t; Ply Crh, T(Ar evva s ( f ial ei t :nd 1 er cxc,rat on c rir , cant cU rte i, p 't ,t Ifs 31 ale law a c cr. yr (r ! or refinancings of the Adva Ice. It also secures any other advances you have new de ,fault. we May f,14 u„ . r_,ne?hat. pay -'»n baafa,)4e under t ,e ? or receive in the future under the Plan and any other amounts or loans + P'ari ,rd ?? t I ', sa n t ftr. L rl, g!Lrr, is se r_u 11a 4r{ mtaniy give 11 , including any credit card loan, you owe us for any reason now or in the future, p ,,,)parry tau it you Choi or Wf may ea :a ; akc pc se , n f the grope ty , y except any loan secured by your principal residence, it the 'rupf tty is h t BOlofd j„dcial prate. . if we ,e, ossae s ::)' property, you ,lyre,,, to pay reasocaL e ex;:? nses goods as defined by .he Fen ray Rarja (;Uri.: s ion CrtaGt f ruutire, Ru:a. the i Ircurrad in eh,posing of the proCcrty. if the property is a actor vehtcte, mobile hc;me_ ; property `.viii secure only the A 1t;?Pee rir 1 not rrth.r :r ports you o`,vo, trailer. srownobile, boat or aircr t yoo will also be rrt,rirr i to par any oo is pw rm!tted OWNERSHIP OF THE PROPERTY -- You ror t by Section 422.113 of the Wiscoaon .Statutes. "(:u r i pay any at-fount that rernra,ns p h Se hat you c,tn alp property you give as security or if the Advance is to buy the property you prornise ou '1" I unpaid after the sale r,nney ha been applied to w at you o 0e, under the plan. Yotf , y ; use:, the Advance for that purpose. YCLI prom that no one eise has ar' i t agree to pay interest c,n ;ry un7 aid amr l l t ii the sar`te rata as !hp advance, or, ;f y n erest nor I C:8 IT) ao'fainst the property that yo(, have nor aIrPkiny told u4 about Y, rom ' appheabts, at the a;faut rte disc'osed on V ,,e Addendum, until fiat a )t C rt is r)ilid. p . ise not to sell or lease the fr0o Pry rir to use it S .:.(,Wily fo, r ,i loan With anon er Credlror If the property is lot ted outs!cde Visconsin rir the time or default we may take until life Advance is repaid.`(,: pr rrrsa you will allow no other security r)iorest or ! , possession of the property wlihOtt judicial process:, if permitted by ihn_ Strafe where. I ,;en to isi!act1 to tile pfope;ty H`thC. by your 'aaction, or by ,.pef?atlt)n 9t I::ov, the property is located. PROPERTY INSURANCE, TAXES AND FEES Ylu must n-a!r ain procur•y ' The following paragraph applies only to Louisiana borrowers: Litton you 4 r insurance au all prcperty that you gave as Seconty a )d.r ihri pla n. Yco rn )y arch ase { de'auR, vie can require fn•me( :ate payment (ate st,. a +on) of [fit? entire unpaid ti a property insurance 'ram anyone yc,, ht?os tvho is acceptable tt? are Cradii i b ai mica: under Ira '1 3n y u 'WZ.-, .: ary right ;:ou rn demand for Payment, r^tat+ce Un or,. The arr)ount ana coverage :f tf-.e property Insurance most be acceptnuifa to of me nt ' ace. =fcra c and ,a 't,a Gf a colerativn, if uT n e(; {c n aye n; is us. You may Provide tr property insurancr t I:'('ugh a poky you already nave' or demar ed, Ou wk; c 7nt,nue !13 p eV nier(lSt until V c rt yf a C`hNe h-., . .:ald at trip"';h a policy you ire a :d pay for. You Orom'ise ca make the insurance poliev the apa!3caJ a trternst rates in EfreCt unless a , c, Uit r- ate is d;zx,:firied on Ine payable to us .ahd !0 1:.6:nr the of proof (if Cn4- 3,,43 to .5 it as{ed to do So) Aa f rcurn it) d , , an 1 for 'rT r ed.?to p-+y. n Grit n as rrrn m 4 f talc Shares i ti de )si: ' ` If you carfPI your :t, l )c3 aria cot 3 rr f) l.I -r, h8.e a right to the refund II the i ! ..n s pot 1 as sE r t! for tne piah n he a{:pIrJd .:;,,fat l C':r yc-u at e, bi nropett} s last or darn-gged, we v'iii' u ) he nruranc,, setftemF;rf f0 repa r the c. n use exr isa ary clt e r r yt is tgoven ay paw vihe n sou .i _ in de fa,:ft anti .,(,r i property or aPp?y it towards r.h it v o , owe tl uthonze ifs to e,idorue an dr ft or n Its Unrler any >P.L".u t} ,a rP.ern.nr$ yo(; Fare Vittn „i. y a ;hiack l/Kal-i may be payable tl7 yb'J in order for us to collect an,/ refumi or he efils I CANCELLING OR CHANGING THE PLAN -- The following paragraph applies flop i;nder you ulr?a.,r3rcp ; they. Y:u else ! r,?i e r> pay ill taxers ta'a fc)es (iikca i only to borrowers in 1111noisr We r18v8 the right !a Cra(i, ?e the ;.?rm$ of !he Plan tr, yr;) (P.F,ptS;!atton fees) ra_(, lo: the t; rope,ly. time to time after giving you any advance rice f'r'(tui! d t+y law. Any eha'i;,e :o :'e If yol o not fay the taxes or -fees n the prop erty vinen due or keep it irsured vie ma I Iri-tresi rate ur Hirer Char,,es wfii apply to future cd,,rances , y pay these ohigatbrs, but we are, no re tu4od W cc SV arty money we npon1 for taxes ! The following paragraph applies only to borrowers in Wisconsin 'Ve (,n , files or insurance will tie ad:aed to itif, urp ai i b dance or tt act: site,, aId you ,Nlil pay change he terms of the Plan fr m time k7 fine it, at rrrd3nce .Ath Section 22.415 ;merest on these amounts at the ante ate you agreed ,o pfniy on trio advarce. We may of the Wisconsin Statutes. You will be not: ied of aft, change in terins..Ali Incfease receive payments in connection (.ith the insurance from a company which provides the f in the daily periodic rated under a variable rata interest rate is riot or sicfemd a irst,rance. We may t^,onitor our !r its for the purpose at determining wf'lether ycu and change in tetras under the P lean. 'Pie can cancel the padre P ru) or any prat of the ' other borrowers have corrpliad with !110 051.1rialce requirements of cur Irian a reements piF,n at any iime. You may cancel Vie Plan at any time by giving us prior wnttan g or may engage others to do so, The insurance change added !o an advance ri ay include 'I r,Gtice. Your obligation to pay the unpaid ba!anceS under the terms of the Plan i (1) the insurance compnnys n3yn,aats to us and (?j the4>t of determinin com liance continues wt)ather you of tie credit union cancel the Plan, except to th:e extent !b a: ' p g +rith the insurance requ reninnis. If e acid mounts for nixes fees or insurance to the your liability is limited by Section 4124155 of the W scorsin 5tau-tors. , unpaid balance of an advance, we way increase your payments to pay Vlu amount '. The folloring paragraph applies only to borrowers In Iowa We ; an change t•lo ? added within tna terra or the insurance or approximate tainf the advance. to ins of the Plan from Gene to hr.+e after giving you any advance f.olice require(1 oy I INSURANCE NOTICE - If you co not pur.,hase the required property insurance paw. A change that Increases tha rate of finance charge or ether h1-arge, tt a! I , the insurance e Pray purchase arid c`,targe you for will cover only our interest .n the increases the arnount of your payrner?rls, or U)ai oth.rw:se ;,adversely ,if<a•_ts exs'i ]'1 I ; Property. The premium or this insu ante inlay be higher because the insurance ba ances will apply to tezis:Iaq balances only if you agr-E• io Ira change or you use company may have gr;ea US The runt to purchase insurance after uninsured file Plan a to r receiving notce that your use M 'nn Plain mcars you agreo In, : ' collateral is lost or darnagod. The insurance will not be liability insurance and ch.rr:ga apoi os to existing caiarces, will not satisfy any state financial responsibility or no fault laws The following paragraph applies to borrowers in all other states: ;e hs +:P t , . PROTECTING THE SECURITY INTEREST if t iignt to chance the fends i the Plan from tirne to tir+ o after ofrin( yt:1a any advance - yo.o s ate issues a tt!e for the property, you p nm'?,a. t , have our rr.;nty nfr r=,-; s1l;5,frn on li',e tir:r: We may rave ' notce requir d by law Any . r sngF: In the n.Prest rat , will Apply to !.;lure advances, to file What is called ra financing s .,,e avert „? prt;!eic t . • u scacurty interest from th and at `ur d cration rir d .,raiect to any a ,u,rern .ritS Gf aprlWat„rs ?awn hi( 31S , . e C!air' of "I'llety If ,ask i is do S yt.: pr rise ff) sign a hnar sin stat 'rnew Y F!p. y to !-Yip "Id aiaficus. g . ou also p,ror* Ise to do wit err fir P s A Q71K is 9C.f ? 3 y is protect our Security The following paragraph applies to all but Wisconsin borrowers: A^ re- ease ltorest in the jr-operty y u p rrsp t .ay nil c sts, )c a ing nut not lin )F d to any tt:-e daily PgrtUUlc, rate Jndur a v%ar18ci8 1f1-e,,: PatE Ia f;G( Car SIC?nsC1 3 .!'.,arga_ }r attorney teeS, wa :"C`Ur ) p rate(', .)g ca? Sf.,.Lrr ti rife rest l :id rlght., in the. property •. ter :5 .rdor Ino P!an. Vie c7 an caricei t.r)e Earth,, Pifti) C:r ary ?a. t .. the r Ian at <' - _ !O In e extent pe[mliti by .pp:'K;af;,P, tutu, Y i' may, ncel Ire ran z any Fre by f'v , s r'• is r w - - ;n f .,, USE OF PROPERTY - Ont i .he as' h ,"n rilisp off yoii .rein! u Will GJr al' n to ay i na ur o t) f 12 c r untie .i'-.e term„ lr , t2 P s a C• 6nuE , .!"E'r t , , l11 LI ( f.U J F. ' .y ca full i d j r ) t it) Cloud rep, Gr (2) Outain J r `!ter yGi or _ Cr d t? sort r F :an ,.. ... usi r 7- t o k r c r, 1 r ?.( 3 a n( '•rop( ri cr c r nglrg t e a tic <; DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN ---','i nlh e to F r,-iI t y kr e t, (i n In '(-f fit -t, Ira rir a h t ! y • Lrr v '. I e 1 in us it t , na . r ,l , i ,, n.;i r". ! xu i rir rir at< u e n ;. ; , tip "Fe ,r uri :. +,u ;i.. rp 1 ,..c .•; e ire. ,.. S c w"i = t NOTIt E TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE CONTINUED EFFECTIVENESS r , HE air ,`Ett 'd II ? 7R;N3.:^)`i'"`! f:' l'! r F U8 `cCT 1'G (^ .^ no ) ._ IS r i? r _- - , T ti P r I AND 7LG 1I r 1:0, M1 i .- ri Jt I NOTICE TO UTAH BORROV.ERS '.. ND tit, :'. (fx u r T C r? t, rL\r Y t,E a ;ELrt = D R le „ F.L_ . (7 ,."At i-IAVE- 10 ,. _ _ . TFi :`- i S: t t 011 O .a NOTICE FOR ARIZONA OWNERS OF PROPER rY r u t'r : i Tire luPuwfng is le:(uire.7 cy uennclN Lill, - NOTICE TO CO-SIGNEn - YOUR a SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE e a FOR REPAYMENT OF THIS LOAN. IF THE BORROWER ODES NOT PAY ; =" "" `' c r• THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. , ; .,r r e • r• E ,) r : d n. it • r e r r . G III :? 7t v,', :r.`. i r" ,( 1" , :'N), .....e .. rl ..: t l _. t,.. 0 can cct%, r ... ,T :! rf ;!ir t " Try,....,,',. ..ny t. 'fir .. ... .. ?...+ ;r .. r... 'La' ., . It, -7r. ciU(t,tc7fnar c._c.; J( (a.. tJOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR r n.' Yr T J) ^• t f:.,rr r? , i . nil s , r r STATEMENT I` ;u , , -ur r ar,., ?a n: is : _ u _? , robs e .,f+;rr a: c;, ut Ju a r ., s , f (A' ate .-o ,. - b r g p?,rt ,f ?o rc,r ,.,e.>..,r . t . I e ..ra e ?ih(,Ct it tile a dre s r if v `Ind that :e n .at .; u m F n " I r s+ :. e r yDU "A 1 , an ; I S (1 c.o .r ?t r ni Y„ a ra?Njr"J 10 ! c h„ r r , r,. %1nin 60 (lays fine -e eraryr s related to any qt "?ticr c 1 o .. I, u d x ,'t : E l rr I t; , 'Mich ,. .? y ( t _^rtrn Y. s; t afro, or 7.Ot"i.6"r ! . .,, y may ha,' o to pay Iman e f ) 3 d ) -'J 1 e 10 N ) r•.V r , ^d t i r q -r f 1 r- t r iZi d r1.1„c '?r on yot,r ! payfins. on iro fit P 'cneu f tin 'i or r<,4>r_ C' .! ..A I j _ a',c J t , t.t „r: ,. , -,., y -3 n ,ay ic,r of any (_spo Tu-OII„y fcr ..f ,ri_ d,NHi111 you owe slid trio t.aJ: trtdt it IS c;i:r' r ., , r ; , t S?Ctl Crc , ,n y Jr r r rr rJi ._. t+ { It yo., fad to pay the air>ount ,tat ,va lh,r•' W o 0"I.C. •r:e n,a; 'rPort you as r, cen f t . Us i ;., < s pos.--:.:le .. , ,... >. , e .,,, ,.;.t d: , c, .,. vhl , .. , , Hov .ivfTr. - nu.r expt<tnaunn 1;1, es of .,a'sFy you lion, yn. ; syrite to us v;ittrln to da s _ e`, r -E y r r . rd . d -: tellnQ us Ir ' t yOU still ` Use to c av via m - ta!i t y a rE, o f. ;r' to l...;t inn hit I e us a v n r t, have a qu .st cn ab ut your 4,tt ce ,t. Ar w rst ':II you The c., . c of i,ynr r, Your bare anc,, acco t,.t ,,umber we reported you to We rr,ua'. 10:1 41r? to ,r e :, t n, ,,,,, boen i The dollar :,r a ;rr of tt E s" ; <u ?rr:, settled between US when it r:r .:,y ,,,. D mcrine tre error and ,,cu can, •,vhy yr,,, belie-,e t'tere is an acoi. If 'wo don't four_:w these se^, :ve yen t collect rha ,rat a>q nt the quest n ed amour', it you need more inr'orination, describe the te>rn you lire, not sc re about. even if our statement was correct y If you have authorized us to pay a credit card account autos,. tically from your she ' SPECIAL RULE FOR CREDIT CARD PURCHASES - if you have a problem with I account or checking :cE aunt, r.ti can r cp t' e pays, nt on arty amount you think :S , the 'Ji nlity of property or services that you ourchased with a Credit card, and YOU I raring. To Slop ine payrmer f your latter r +?, reach us three business days b6)Lara the lava tried in good faith to correct the problem with the merchant, you may have tea automatic paymar:t is scf teo to occur, fish{ not to pay the remurning a, .o ni duct on the property or services, There are Run YOUR RIGHTS AND OUR RESPONSIBILITIES FT limitations on this right' (a) You must have in ,I&, the purchase in your hor'no state or, A ER WE RECEIVE YOUR WRITTEN NOTICE - We must acknowledge your letter within 30 days unless we ` if not within your Noma state, within 100 mites of your current mitering address. art, (b) The urchase rica m t h h b , have corrected the error by then. Within 90 darns, we must either correct the error or p p us ave een more t an $50, Th li ti explain wiry we believe the statement was correct. j ese mita ons do snit apply if v.e E7wrt or operate the merchant, or if we rr:all .i you the advertisement for the property or services. In this Agreement, the swords you and your means each and :ail of those who apply for the card or who signs this Agreement. Card means the Visa Credit Card anti any duplicates and rerte`,valS vie issue. Account rneans your Visa Credit Card Line of Credit account with us. We, us, and ours means this Credit Union. 1. RESPONSIBILITY - If we issue ycu a card, you agree to repay all debts and *:he Fnance Charge arising from the use of ne cart and the card account. For example, you are resaans;hla for charges made by yourself, your spouse and minor children. You are also responsible for charges inside by anyone else to whom you give the card, and this responsibility continues until the card is recovered, You cannot disclaim responsibility by notifying us, but we will c tcise the account for new transactions if you so request and return all cards Your obligation to pay the account balance continues even though an agreement, divorce decree or other court judgment to which we are net a party rray direct you or one of the ether persons responsible to pay the account. 2. LOST CARD NOTIFICATION - If you believe the card has been lost or stolen, you will immediately call the Credit Union at (717) 234-8484 or (800) 237.7328. After hours calf (800) 556.5678. 3. LIABILITY FOR UNAUTHORIZED USE - You t-agrea to notify us immediately, orally or in writing of the loss, theft or unauthorized use of your Credit Card. You may be liable for the unauthorized use of your Credit Card. You mil not be liable for unauthorized . sa the occurs after you :iotty us of the loss Nett or possible ur wt c-nzaJ a se, Y'cu v i. nave no ti b'It for unauthorized o urc as made with your Credit Cai-J, unless you are grossly r,egligent in the handling of cur C%rd in any case, y<;ur i,ibihty will not exceed $?:,p. 4. CREDIT LINE •- if ve approve you it ahpiicat on, we veil establish a se f rt pleni,h:ng Line of Crec! t for you and notify you of is amount when we issua the card. You agree not to a t &no account balarCe eyre,,cl this approved Credit Line. Each payment you make on the account wht restore your Cred t Line by the amount of the payment which is applied to the pGncipal. YOU may request an increase in your Credit Line only by written application to us, whicn must be approved by our credit commitree or loan officer. By giving you mirten «aGce we Tray reduce your Credit Line frorn firma to time, or with good cause, revoke your card and terminate this Agreement. Good cause includes your failure to comply with :his Agreement or any other agroement',with US. er eir acrVerse reevaluation of your creditworthiness- You may also terminate fttis i A;grvernent at any time, but terrnination by either of us does not affect your obligation to pav the account batance. The cards remain our property and you must recover and surrer,aer to Lis all cards upon our regUe6l and :,,Tor termination of vnis Agreeuher t 5. CREDIT INFORMATION - You authon ` acts ., ze t , to nv__ „gta a yna;r r_rrlcfrt s;nntlrng e' en openirg, renewing or revie wing Xdr acco r,t, and you iihor:za ais to oisct ,e inrorn tor, ray rdlcg you ccoE r,t c, credit bur-;-u5 and other creditors who inquire of U;i about . i r :,re r, r . t. m F). MONTHLY PAYMENT Yc .,At ail ,ou a .t ,r t ct,€ y r ih u i!.g your P cri,i__. ea nc- :; Of cuic a- eE....nd . ..,,:..c , . e cuff t transaC U,. _:n yo,.( a.-Cfe:r•, ine d:u,lnQ re.G,t Cr C( , :"..r C Jli, LICE. t: a Novi at C...y , :.b_1 e,._ hE, . I PIa i.:incv. `.rt9 ter r ,.) t, ar i. ill;. ,O q. n 71 ..r "t nr'.y ot,e h, :c d :c r: ti ai d , e I".1 ntr',UITI E ve , .?ntn ,+X! T._:£l F .., / at e 4h- hru . r T P) r n dal o14 y r ?t E r n i, " my a s By eparate aver e L e nt yL i j a, or e Jzi T C -.r )e r Ir. r v -e' a T I R t. Py To f t,:r snare ,r clack t, crc%1r.t with i,s Y, ,, rn A,. of - Urs.. ,T<.y ,.cre fl-egUer.4y, ,,.y n-.lifer ar 'no,, ` in, ::u, , Faye e x pay fne iota Nov, 3a a e c r' 10: a,if ' rru ,` II r.::,.ce ,"•. large ,:} ,ICMq ?,:r u^'hiV i rn.r, tt a rrE s th„'^ta` r-ao t f 1_ ..,` Lit rr„ '1' C E',dlt :(, 31 r .. „r. rr... t ,:r t .e i , 2 'of r tCi 3',"c c, t-..,ivn. at i r ill . _.r T„._.. 1 demand. We will apply payments in the following manner: first to previous late fees. Ilion to previous cash advances finance charges, then to previous purchase On,, ce charges, then to current late fees, then to previous cash advance balances, then to previous puretkase balances in the order that they were posted to your account. then to current cash ad,.-ance balances, and then to current purchase balances 7. FINANCE CHARGES -- You can avoid the Finance Charga on purchases by paying the full ::mount of the New Balance of Purchases each month within 2.S days ? I of your statement closing date. Otherwise, the New Balance of Purchases, and iha subsequent purchases from the date tney are posted to your account, ,vlll be abject to Finance Charge. Cash advances a•e always subject to Finance Chargn from the date they are posted to your account. Purchases: We calculate your finance charge by multiplying the average adjusted daily balance t"see explanation below), including new purchases, for the billing cycle by the monthly periodic purchase rate and corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendurn. Cash Advances: We calculate your finance charge on cash advances by ? multiplying the average adjusted daily balance (see exp?anation below) for casr, advances during the billing cycle by the monthly periodic advance rate and corresponding ANNUAL PERCENTAGE RATE as (iisclosed on the Addendum. Balance Computation Method Aver-g© Dairy Bakvxe for Porhascs - The Avera•,o Daily Balance for Purchase Transactions is ca{culated by adding the Daily El,.lan es (Purchase Transaction) for ? each day in (tie billing cycle, and then dividing by the nutr,per of days in the billing cycle. To cal uiate the Daily Balance for purchases each clay. we take the following i steps: We take the outstanding balance (alt amour is you me) at the start of the day I Then.. in the sequence n shicli ami nos are pasted to your account, :ve add the amaunts of all debits and subtract the amounts of all credits or payments which post s to your account that they. Afte; applying payments and credits, we subtract the i amount of any unpaid Finance Charges or Late Charges, Thor we also subtract the amount of any Cash Advance transacWns that posted to yrJur account or treat day or in any pritviUUS day in the billing cycle. This gives us the Daily Balance for purchases. Average Daily Balance for C sirs Advances - Casn Advance Transactions which are I posted to your account are not irctudad in the Average Dally Balance calculation for purchases, and are therefore not subject to ire rranihiy periodic rate for purchases. The Average Daily Balance is calculated sei:aratoly for Cas Advances ,arid is subject to the } Cash Advance Monthly Pc nodic Rate. The Average Dary Balance for l,_ash TransaCllons is c 3culaled by adding the D,dy Balances tr-t.r Transaction) for each ;;fay ri the billing cycle, ancf then dividing by the numbs r cf hays in the billing cycle. To calculate the Daily i Balance for cash each dav, •we atx : the :olkw in7 eps.'Ne take the outstard:rg bafanre. (all mounts you c,ve) at he start of the day 1n ^, in ire soquFnco in which a-cunts are oastt'd ro your ae^r: r t E ad. t ,m J r t r,' all eb,ts aril 1.h(r 111 rie a i aunts of all crtTdrts or p<:y' acts whic:T p,.,i t,: you "I"Courl trc:t airy. Aftor appiyfng payrrar,!s and credits, V e -,:;,tract 'no a•nourt of any r pale F nanr_e cr L-n e C::a•ges. Th. t we aisv subacl J t a of a;y P.rcr ;e Trans.:,ction, th.a• pc,,E 1 t: ,oar -count on that d3,: or in an r. r l s Clay" 1 It L` Di,<r 7 (;,:Ic?. ft ,b gv,'9 'w, ?hr, sa iii,> RaI U e e for Ca ; ,silvan ce Tea is r,,., Note: Cash Advances are always subject to finance charges and from the day they are posted to your account. Parr': e. is are applind ,r, the rot,mog rr,nor irsr E? previ„e.s IaIE, tees, ren L ern rain anvan- es Pratt.. .. 'urye t-:Tn n woo :, p,r nsra rrzr,ce Then r C-.::'er t:, .:r.vC,.' ,n en v^ , ;r?::OL7? tourist ,?? C:,3.?. f t?? '. _ t :' L r; 'Kt Ci!)i.f•;." h yn ..:' Cc 'r o,rw ; ,ar..t ppi -::r fi ,: t., e: , I c:.l" , C l a:_ ... r'.. , .,,..) e,: , ,•?.r, Visa' Crel5i! C:vd Ayre, meat and rruth In Lertdir 4 Disclust:r e icexrt,nur.°d 6. DEFAULT , i,t „,r. :'e ,. .;r V-ti:I 1":-a, I„ G...,J '? :.. ail-7 cc t LC r::y ., ', u a t.•, ?C, t'?_.f'.<) y t,r Ail.,,.._ f y":u, IS d -e fr,r a c< ,or1 €.'•, ?-. r, 30 J,ys. you .v .. _,. be 1•. c"F. tJ 1 „ t : s ,s fliateral j f tt . ny tang fo r F r Pinyr1r 1 nn r io lr ob!ic ations, banF.rUPtc y > r sol•:' r:,y pmci _J.nys i t •iv;ng You, your Or your f£i' tir .. to atide „y r S i,rr,-errent, or it fr.£? V-'1;UP CI ! ., security ritere t watrJrIly dedir,es. We have mho rignt to dentan<f Ir reed:,'>t. ,rtymert Ct yotJ• tort acmjo, balaince if you defa--.ill subjact to our yin c; VOL) rc',y ret;,:.rcd .a 'zrrt. TO the extent pe'rni",ed by iaw, y:.x; will also be required to v ay o ..r c o: cc.'cn esoens os, including court cwtri and aa4-)nable aroc:ey fees. 9. USING THE CARD -- To maKe a pun-masm or cash adva arc;, i',ur= are two attarriatwe procedures to ! tcilow£sd One is for you to present the f.ard 1o a participating Visa plan merchar- , or another rrnar,clal t,_ ;t.itiorl, and sign the snit ,S ,,r cash advance drr,fi wh:n, i wo! o.a imf;rintcd vth yu.r card.'ho ,the, is to.^ornpia fe the transaction by using your Pc so a:i tut ,:flc,a on Number (PIN; in conjum lion with the calif iii an Automated Tellef Machine or ;tier type of electrooic. t _ r;tnai that proydus access to the Visa _., om. Yr,o agree that you will not use; your ca. -d for trey trae5achcn that rs i:;egal t.Mer ar.piluah:a fedam!, t,.,.>. c-r local " v. 'The monthly statement will i .,.,itr',y the merchant, etcutronic tenninr;tt or f,r'iancial a ,.titt.ltion at "which transactions +ero rnadre, but sala, c`ci5t` advarice credit or Other slips carrlc; be returned with ,re stalemient, You wilt retifln a copy of such ilq)s fujm'she c:t the= tin'te if the transactic•n in order to eeflfy Inc rho oh'y S dl'me:`l. The Cr1:^it Union ^','3; Make a raasvn,:bio charge for phctocecies cf lips yr rift-zy rc,Ue:; t. 10, OVERDRAFT OPTION - if you elect to overdrart to your PSECLJ Vise Credit Gard, that election is sub;e,n to tfte exiF ing credit I,mit tend the agree mer.t it repre, eats and the current loan policy at the time of tre oVe".traft- You also !,Indorstand that an overdraft witl be considered Ina same as a cash advance or, your PSECU visa Cr r:dtt Card and that the current Annual Percentage Rate for cash advar! ;es 'till appty, 11, RETURNS AND ADJUSTMENTS - tylerch arts and cthars who honor the card may give Crud+t for rerun, and adjl tfnents and they will 3o ro by sr nd(r,fJ Ls a 1.I-El fit slip which 'rye wail pest to yUUr V;s i .,1,6 Ot crsdlt. !t your C £:f1 t and pay:. ov"s exceeCf what you ewe us, we i+.i automatiCalty posit tine c-xcf=,s; cr<:rtU nndart c to your S1 Shares :•nthin 75 days. If the bafarce is one r oilar or more„ 1 p,m your iirift a , , q.e st. xe will refund the credit bsti<;rn;e tr, you . 12. FOREIGN TRANSACTIONS - 71 e ect <.ac:6 - .a he•h:er=n the era ,,<s.ic+'. "rrericy and'he billing currency used I,r pros sirs a selected by Visa from the rergii Of rate ; avaiLata; in -tvl fQSaie currency roar<:,a for ?ho appflcahta central processing date, which rate may very Pron. ,e , .- : a :tseif receives, or a government-mardatad rata in of Fct for the a,:plica ,lo con,fal prose ,sir, cite. In each instance, an trju, irnent may t)Q asse:se+j ba.seti en ine ISA fee :rr p:seri by Visa. This fee, wnich totals 1 % of the lrartsa0iOn WMOU t, w!II to assessed On aff transactions where trio merchant country differs from the country of the card issuer. 13. DISPUTED TRANSACTIONS - If you disagree or find an error with a Viaa .. .ill E:. £ .• ..: „,'. ,.:7 ? ,,.;.? :`'!r' L: ,,. r . f it r1., '. 1 r E'?„U ?t., i ctlcn:t.Gn, yn,I rl; i'r tr. ,..::,:i , ,... .. rf Y, ?t,ie r , . la .. a .t If Vie o nt." ..coo.e t!' i,r.,Cor 1(1,1'1.t ,.. : 1 ., .•." r l„ti; :rr `tt f r, f,V,s i..f ?, , ..cloy be t:eid ie.,ri ns:tr., r.:r tn8 n „ '= _:. ...r,.. ' t_ C J rot, ,{ ?to str,ct dispute lrreer8mes set tor+7 :.f v:':,:. 14. SECURITY INTEREST -To seiure yrxir tot _;t:rtt yo., qnr• t „_ a pur: hd, e n:uney strt'cirt;y interest under tf,,p U iforru COrTi:7,er„_eti Code r any gc iris ynu purcttnse ! thfouyh the account. It ynu efatat, v,e wia have the r bt to of These gocds which we havu girt beer o akf for mrcugh r.„r ,IT ratter. of ycur t>,3yrneriLs ire the mariner described in the Monthly Payr, etlt seciion.'A' h respvci to If".is a,.rcur,t only. we :Jilt riot ' as,ert any slcau'ory right w©ruay htttie .f y i ,r ;n ;:fc fault to present withdrawal of ycur ; unpledged credal union tares ?Depesits) !,Slow the unpaid bolas? of yoLr account. However, if you c;,,e r" have iv r7 ., a :>na i,lc c i>acte of your c:.edii un.cn .:hares (Deposits) by s gr i ig the P,edge of Shares or ctherii , or any other sccc ity ;nterests for ail your dents, your -count mill be ser;ued by your pfedge>d shares (Dept ,s) and by the proUerty described in tilt se. otrer x;r_ I ;., f,graer sect:; r,xeept for veto ncn.e. 15. EFFECT OF AGREEMENT - T'riif, A,geernerd ,re contract wh.ch applies to ate transact:tins Qn your account even enough the a!cs ocher advaruc„ credit or , other :;;ips you Sign or iacoivrB Ir :r, c;chin f Brant terms We may .1- er U the Agreement liorn titae to tin-te by Sending you t: e a dvar.ca rrritl..n nolire r ran;r.-,o fly ;`arr. Your use of the <;arl thereaft.,r ..I :nui<: fie your -.t7r ,Saner t to ,ht, a c.r ,ents. To the extent tit,) laud permits, and rive ind,cate in our not re, amenrirnant wi,l a,,,ply to your existing account b'aianre as well as to future tear:_,'so=.ions 16, LATE PAYMENT CHARGE - If Your MinIMUni Payment IS rot received by the first day of the month following ycur dl:e dates, you V;!Il I. : SUbjLCt to a 320 charge, 17. RUSH FEES -You may incur additzriai charges `fir n;sh procesS;rg aed r-sh , delivery of cards and'or PIN mane-.r. 18. OVER LIMIT FEE- A S20 ?fie will he :'=:r fired for cac h *rcrth y statenlerlt closing bate on which the +hrts?andtn , ba!anrr cx o x.s ?re a sk,'ned credit 5mi*, by rnore Sh in 'n', t oo0 19. DRAFT COPIES - You may Inccir ri additional charge for transaction summaryrsale draft dcciunentr:tibr,. 20. COPY RECEIVED - You ac kill: hlo•_t-ge rracpipi of a copy of this Ag oemcnt 21. ILLEGAL TRANSACTIONS PROHIBITED - You C,'ee that you w;l rot use youreard for any irans<zct:on th.yt a ti>e,?tt ur nil r ±pciit r,Lie federal, ..rte, nil Icciu !a N. 22. NO USE - Inactive J,st acuo' 15 ;hat nave no purchase or cash activity m;:y be closaa without notice to you after 16 months of no activity 23, NEURAL NETWORK - PSECU uses neura- nolvlcrk systen+s to J'ed.rt and prevent Lin authat fZed transat,tioritii, Ihr;re n lay t:'. OCCasionS when a tmi-sa, 0or is declined because it is indicative of posslble fraudulent activity. ATM CARD CARDHOLDER AGREEMENT - The Undersigned (you or your), in i in this Agreement shall be subjOCI to t o rotes and recguiatinns of eaoh account ; consideration of THE PENNSYLVANIA STATE EMPLOYEES CREDIT UNION (we, 1 which is accessed by such Card. our and us) issuing to you an ATM CARD, hereby agree to be leraay bound by rile 2, USE OF PERSONAL IDENTIFICATION NUMBER ("PIN-) WITH ATM CARD following terms and conditions You agree V,at the use of your ATM c d(?} } You unclersta,^d that a STAR SYSTEMS or a PLUS SYS?E't.1 ATM is an autorna?ed ' constitutes acceptanco ct the arm arid (nnditlons of thin Agree man You ' teller It can and will erform m m of file m N t k Y il understand thrt ATM is a Credit-n,i..teci „crier; a'll' y air :author _e PSEC J it, :)brit n . p y sa e o s as a nnin ta or. ou a credit report on any users of in s account ackncwiedge that the Personal identi cation ,unt,be,r or r';"J whidi you use wan the ATM CARD is your signature, identifies tea bearor of the Card to the STAR ' 1. ACCOUNTS AND USES OF ATM CARD - Y:;u have the <sccountI . ( crier' SYSTEMS ATM, PLUS S YS TEM A7 kl, cr oti er network ATM and authenticates and Checicinq Anol fat-, I r S art 'j, wi I h e set for it) or vt r abf ik; ion f0 w ril thi J lldat?S file rf re tionS gf -ft M a3 VCUr nrWal .;ign:lruro Saco othor proot Identify Agreement. Yoe.i ht eby r£,quest th nl w'C issue tO you .. 1r1 or rice: f. A J CARDicz) t , you and a:,inen?icale and Va!, it£te your directions to a hiurrlan teller. YOU also be .sod in co ieci o+t villl such accotin"'; as desrribecl i.; this ayr erle-^.?. understand 'nat a Mo charrt which ...cep's the ATM CAIID for a Purc,ha-e ' Y3u 11nder6til .J yA! may use ine ATM CARD at a ..TAfi SYS T Ffr1SS„it tYt :i: (1) 1 trans, k fl f,lny fla V:. a .ic. ;?-'Ont., tt r ,}d.llil (r: pTiCh rlt oiler:lte-d or Self-service) '.v,tf u acv _as?n from, (2) r+ak'• rvr arrsn e. for rr p •;ts , (,, r;f'C?,t (v,r-ti•k'r? to or,rorr i ,'hicn requires ter.' use et your {,I,11A^d `h"e'er yiit.lr PtN 15 tlsiwi at a klerchart's ' your account, (4) r ,ceivc 'nio ?rrs`r n recaarefing the b, Iarrce ri year acc ut'ill(si "..r O terminaf, r '.viii ctatneraicr,;? and v .,idste the diricttu ., 91"Un r as your ac,Jai mi-i ash adv_,r,ce> from yo., credit e ,>ur 1 1 In M .r=u nt5 ct: req(, e t .c_ may , signtaturu Of ilutror Cczlt:' anrJ vaf<',..? gout ' e: "n', -j ,;I k) foJ cx..?u:'c age . else au'.or•att-- tei'er machirxs °:rrJii:urout the SiatOS a.at in .eil'ii! ha? vow P!P•f ;.n'r•;ntiLcratlcr co _e th;.£t IS c?r•,oral :^d ,on c;t r ti.:tl and that :he tore;f n countr'r hich Dear the PLUS EYST_A-Ka; n erne ar,.i ;c:KJ.% L , ru , e_i o u'3e of the PIN with the ATM CARD is courtly Grse for /Our ace u .t(sj vntndrawels from, (21 Stec[ transfers to or fr<x*t, 13? receive irrf:)rt Orton raga•dirg the . Therefore, YOU AGREE TO TAKE. ILL FLACNA3LF PPECAU-TIONS THAT 1.i0 ' balances in ycur Checkin,^, or rtagc,lar shares. If feu hrae a Personal Sr-;;cc I.can ONE ELSc LEARNS YOUR PIN. tarp Eta r p c>, y tai rtna,_-?! a cast, dv r r °t 3. LIABILITY FOR UNAUTHORIZEDTRANSACTIONS (E.;.! t r r n il •.., ATM 1..-+..17,, :., )+„ e. ,.,_ s o:"mac I - f It t4S1 .. ,_, ... ._ .,: _:r _ ... ,. 1 , "• L "r r , ,r N a l l t. I T _ - „^ 1 : I- rr n fr i y t. J 5 i ,- I '' r;1,1 ..bv :J y!',. i M r 1 .. ,. ca'.,r_ .. u... L o., _.r ,. <: ,7s ter. ., ... .. ., . .c.tr t r.! h^ S ...a., •Cr.6 ,.; y :. . ,. h ... ,.. SC;,. ,O r r ry .: :: r t nut. a;-, .. r.- _ < ?; t r ,r-.,.. r r ",r.• r 2 T( 1.1 r, 1r , r t rt tit r;fi Af =t c:N ,! ` 1f ,7 )'"i. - tI i,J-r_ 10 A?:! Jtir."-N . C)tt.:lR: `, A'i I' Et' !f-i=is 5r i f` .., ' r ,..,, c..t. ._ .,, _... ., it i. j, a , r f ? f -?c, t !ecfronic F(uad> irartster f11 Lf Ar p ;n an: :ra_ RecltrYrhon t 111isrinsury (continue<i) 4. CHARGES - , au ;rc.r.- to p• r; ; r t} 4:r . t ft,r: layr eto p -y •. e J - r, pcr,.ai r criari q, w,. ariy a..r n , .ur„errer-t trans-r, , c. (??an ,.din a tt at .,....L.t.d. ahuli t :.it =s 'ess tr„n 320. You agree to ,;y a 23 cent cl?itrg;,, on each e..:ar.ce i?gc;iry. You may dour a chary,,, for ariy <d;l b, b^::hd4 ',ee'da !O be ,..:. !t, ;? .yG'.,C i',RGf wqpt;re making : r.,r:l,Sjt -it art 1 at-orn,,.:r.7 T.-Ile, -a, e ( 47TIM), iou agro_ to pay the charges or trninsnctlor, fees whet ace uh_:ryod by :.s for 1. esa services or _ar 3 _ •.c,., wtl ch ma-y later tc: cfic•rc f u. ;;,.:h f es, o- c h tie imp:?sej or changed fit;rn 5rce to time. 5. DEPOSITS - You agree ,# at when yea mak deposit at STAR SYSTEMS ArtA hal v. have the r;gnt to verty the tiFi, a ,t Itto(ve ive 1Ttax;, the rnone_v avail :b'?, j to you. If von, del'ive>r cnsh cheeses or itr,ms :c ,a STAR SVSTEtS AIM, y onderstand ,i Td acknwWc-ace that t'ee funds !rGm YOU' de pit sit may not be ava'3,b'e for IfUntcCi+atJ X1hdr5wcil and that The a•.dilabirity or /Our cl epos;l sn=al' iiFDend r,n Otir rules ,no rs gul-abons regarding the par i 6 a ace ur-t 1 ; v r ynt; are naking deposit. the ',ems that , lu are depositing i,nd whathr r the ,# po i lt is .Made. at a STAR SYSTEMS ATM tr,at is owned by us or another firarr! ! ?nssut rr {bu als:; understand and ackt ow edge trial riot all STAR SYSTEMS ATM,; may "ccpt deposits and some STAR SYSTEMS ATMS may lim.;il the amount of furls which may be deposited and that we may not control these limits. 6. LIABILITY - if the ATM CARD is irMicd for a joint account, you agree to be jointly and severalty liable under the terms of this Agreement and the agreement f( ,r such account. You agree that if you make deposits or payments to your account(s) vith items other than cash (checks, drafts or other 'itenes) and we make funds i available to you frcm Such deposits prior to their coliect4tin, you agree that we may deduct the amounts of such funds from your account(s) wdh;ich are not collected or, !f the funds in your accounti;S) are insuffi,,,•_r;t at such time, you will proinptly pay to us any amount of such funds which are not co4ected. 7, AMENDMENT OF THIS AGREEMENT -You agree tht from time td fire we may ar.•end or change the terms Of this agreement includ;ny amendments or changes to add t„rther ATM CARL) services or 'o a rterd or charge the charges for these services. We may do .'o by notifyiog you in wrftrg of such amendr, eats or changes and Your use of the ATM CARD ter the c'lec!ive date of any suer; an endr.ert or Change shall cons.;tute yccr nr,ept?rce of and agreement to surh amendn?ent or change. 8. OWNERSHIP - Y U agree that the ATM CARD is our property and ycu ,Yfil surrer.oer it to Us upon our request. You agree that the ATNI CARD i„ non- ttansferable. 9. DISCLOSURES -You hereby acknowledge receipt of the disclosure statement informing you of your rights under the Electronic Funds Transfer Act and a copy of in s Agreement. REGULATION "E" DISCLOSURE 1. ELECTRONIC CHECK CONVERSIOWELECTRONIC RETURNED CHECK FEES - 11 you pay for 3orrething with a check or share draft. you may authorize it to be converted to an electronic fund transfer. You may also a iti iz merchants to electrcnica!ty demt your account ;.Tx returned cneck foes. You are considc;red !u nave authorized these electronic funds trans(ers if you complete the transaction after being ti,.)id (Orally or by a r_,,ice Posed or sect to you) the the lair y ;r may "e processed eiectroreical!y or if you sign a i%ririerz Iufhorizaatfon_ 2. SUMMARY OF CONSUMER LIABILITY - • ATM, ACH and SST -- Ted us at once it you beiieve your car:.i hers r'een first or sole . i'e:ephoring ;s the best way, to lcep your ;ass:ble losses drawn. You cou'cf lose at: the money in your account plus your ma.x'.murn overdraft line of cre c it. If you believe your card has been lost or stolen, and you tell us within two business dais a't,or you Learn Of the loss or theft, you car! -cse r)o more 4har $50 if som =one used yoc r CWd witnout your porrrission. If you oo not tell us within two business oat's ,,'ter you :earn of the, loss or their of your card. and we can prove we COUI d stave stopped someone from ;sirg your card wit ;nut your permission if :11.j had col; a;-,, you could lase as much =;as S500 Also. If your statament shcves transfers that you did not mane, toil us at once, if you r+o not teli. us with;n 60 drays after tale statement was malrea , !u yc? . you In riy ro! get back logy n oreV :OJ lost ;after t"e 60 days f f ,e can hro4 r, that we Could. hd e _.JNf=•! S s,, r:)one hc.-?7 "I'l tv •'ie iOrlt'y If you l1ad iJ :.o r, ,me". 11 a gcoo re a_ u;+ 5i;ch as a 'on•a tr p .fir n s.; .,,. Ox,: kLof '1 _ u rrirn tF ing tti;i hxiU,^.a L.u titre oc gods. . 3. TELEPHONE NUMBER AND ADDRESS TO NOTIFY OF UNAUTHORIZED TRANSFERS— • ATId .r :' 1 , s' _ 1 P.z ;l:, Aire- ,c...r.. hi!,),•, .cJtc t,i f:, i r St. CU :.....':a PIP. , . A,1- .. ._., W ,. ..• ACH and SST • r tic! t:. .Tic Ear i .-.. P. (;. r... 6,il)'.. Htn t,,, y. r. r. PSECU t1 .:..u=e H et00 i.r-i. !A - i- -1 DO (,Lf;) 412-11S67 iJ:..or;,;'r (717) 777-2100 in Harris purl •1. FINANCIAL INSTITUTION'S BUSINESS DAYS - • ATM, ACH and SST - PSECU i B•,sness Uavs ;ire Mon-day fi c+u,n F-jay, Hciliddays not included. 5. TYPES OF ELECTRONIC TRANSFERS A CONSUMER MAY MAKE - • ATM - Balance i lcuiheS on checking, sayings and F'SI.; withdra:vats front checking,+savangs; etch advance from PSL deposits to checkingisav? rigs; j purchase goods and services at arty accepr.ry retail establishment. • ACH - F'reauthor;:?d debris and crer'its to c perking and savings. • SST - Balance inquiries and transaction histones on all snare, certificate and loan accounts, transfers frurn any share to another share or loan account from your PSI. to any share or loiin account; wdhdravrals from any share except j IRA shares or certiicatr_:s. 6. ANY CHARGES FOR ELECTRONIC FUNDS TRANSFERS OR FOR THE I RIGHT 1.0 MAKE TRANSFERS - • ATM - Fifty cents for each disbursement (cash advance or withdrawal) less than S20; fifty cents for each transaction over 15 per month; 25 card for each balance inquiry; and there may be an adoilicnal charge for any ad,iustment that reeds to be made to the account of any member who makes an error while derrost ing at an Automated Teller machine (ATM). • ACH - S30 service charge for insufficient funds for each electronic transfer. l . SST -- none 7. SUMMARY OF CONSUMER'S RIGHT TO RECEIVE DOCUMENTATION OF EFTS - • ATM - You are entafed to receive; a printed receipt at the Gme of each i trarsaction. You w;t receive a monthly statement showing the status of your account, any transactions made during the month, and any penalties or ' charges PSECU may impose during the month. k ACH and SST - You will receive a monthly statement showing the status of your account, any transactions made during the month, and any penalties or charges PSECU may impose during the month i j If you have arranged to have a direct deposit made to your account at least once every 60 days from the same person or company, you can call us at (800) 237-7328 to find out whether or not the deposit has been made. B. STOP PAYMENT RIGHTS - PRE-AUTHORIZED TRANSFERS - i • ATM and SST - Not applicable. • ACH - Right to Stop Payment and Procedures for doing so, If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here's hew: Call us at (800) 237.7328 (Nationwide) I or (717) 234-8484 (Harrisburg) ar write us at: Pennsylvania State Employees Credit Union, P.O. Box 67013. Harrisburg, PA 17106-7013, in time for us to receive your request three business days or more before the payment is scheduled to be made. It you call, we may also require you to put your request j in writing and got it to us within 14 days after you tali. • Notice of Varying Amounts. It those regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, i when it will be made and how (tidal it will be, You may choose instead to get I this notice only wh. a the pay )c ;t would differ by more than a certain amount frcm the previous payment, or when the amount would fall outside certain limits that you set. j Liability for Failure to Stop Payment of Preauthorized Transfers, if you ` order w to stop one of these payments three business days or rider,, before ; the, transfer is schedufed, and we do not do so, we will be liable for your losses or damages, unless we ref, at and do not receive written, confirmation of an oral slop payment w'ithir, 14 days and the transfer takes place after 14 days, or you fail to give cos proper nstructior1; that would enable is to place the stop i on the transfer. 9. SUMMARY OF THE FINANCIAL INSTITUTION'S FAILURE TO MAKE OR STOP CERTAIN TRANSFERS - • ATM -- If PSECU fails to crnp!ete a trar:eaccon or, time or in tall correct amo.,nt, when properly fol..:.ct<.d b, you, PSECU' will be liable for damayes CaUSed pt' our failure Ur!l3SS, i1) thcNe are :nsufficier;f hinds in your account to i ,:ompiete the trarat-,r, (2) U,v (Ur;JS ,re goes aCCCA1111 are _,ncollected: (3) the funds are Sub ect t0 prot)eSS; (4) the ransacnon you request would exceed the funds in your FICCO'.,nr p; ;s any aV'j•LtbLe ovcrdralt protection: i5) trip STAR , Sy5rierrS. P'_US sytcn has ins?,f'iaeet cap to cornpete trio'ransact:on; (6) -c .r ear d z bcc. • r UUCWO lust ,,r :>rc y,) u _-e ;s;r•q the re=ported card. (i) PS : l U a. sort .) ,ieve tha, I- v%r,5a_':ion 'C.griEate:J is u ^ :.Gil t31 c 3'i:ih? nu? t0 ..ti c?,t:. it 'G^:! !}rah C) .r. 1.`t2 f yU.; r"(tkiv t?t•.• e rt _ ^u ..? I.... ire. S JAR S y,'r.. ns, :?:.t)J Sy.,. .. + t .. ., .:i , ., ..:'.t ,., tC: ., 0,,,!. ':-0. Or ,::r. _r :A FrsrY, Efecirsnic Funds Tranaier, ATT.? Agreement od flegakition '. Di,closu(e (Continued) , ACH and SST r ,._•: U : i' r. Aar" ay., ,.Al.,, r,. --count to .. r ?I- Ire .. jcq" .rC ; j ) th L r ,r. _ Du . •.' JC- , .,:f. •J; it . PSFCJ ,.,r t.._ 1,,.. , ..3 1 ,? .,on eJ .-, , .,!hc teo: c,t iJrt. fr. ;r ,.,`,ere ?a 1 r_: s'foph.e. r-)r by arlo,fip calico it c;::t in any PSE'CLt c.. , be liable only fc, ach,j, proven aed ..C,, oa._ H:es if to:krre to rake tt-e transaction r siiitf d f >r t .:< n I'de er..l losp; ., . SECUs procedures to avoid such errofs. 10. DISCLOSURETO THIRD PARTIES - • ATM, ACH and SST - PSECU v;ill :disciuse =n Crrr1 at;c•, lIx;ut pour a.ccount to third parties: (1) wnera it is necessary to rompiete transEtitlOns: (2) to verify the existence and standing of yoa:r 5CCOU t With PSECU upon requiisi of third party, such as a credit burez:u; (3) to comply with government agency or court orders; (4) in accordance w'.th your written permission; (5) to comply wilt, government or admiristrative agency sumnionse.s, sutpoenas. or coutt orders; (6) on receipt of certification from a Federal Agency or departmenl that a request for information is in rompl ante with the Right to Financial Privacy Act of 1973: Re.;)ulation P Privacy ;;f Consumer Financial infnrrmiatior and (7) when ;t is recessrai y to take legal action to re^ or=,r shares, 11. STAR SYSTEMS SERVICES -- ATM Only -You may use yin. r ATNI CARD with yctuf Pcrso^a' loar,r:ric-atior Number (Pll,ii at STAR SYSTEMS ko ,led 11 [ Fray t M+r t dew, Jersey and Porr y' ,r,a to c,onAUC „,ty c"'hf, rs owing accour,s accessed by your ATN1 CARD, a) Determine the acawnt balance(s) cf your Checking your Pr; ular Shares, and your Personal Service Loam (P SL). b) Vvitndraw cash from your Checking and yrur Regular Shares, c) Make a cash advance from your Persar, d r ervicre Loan (PSL), d) Deposit Currency, check;, or drafts (c.:rs are not accentrabte) for transmission to PSECU for deFas,l jr, vole Checking and your Regular Shares. NOTE: There are limited locations ire Marylanc where dapOsts may be made. Yro'e wish to inform you that some ATMs located in these areas may only provide access to your Checking, Your Regu',ar Shares, and your Personal Servixo Loan. Not all ATMs fray accept deposits. There may also be trouts on the amount of funds which you may deposit sn, certain ATMs. 12. PLUS SYSTEM' SERVICES - • ATM Only - You may use your A0A CAR"` with your Person;; IdenU@c allon Number (PIN) at any PLUS SYSTEM autnrmateo teller mac '.e (;PLUS SYSTEM ATM) iccatE l t 'oughout the United `; tatE ,, Puerto Ricci, i Canada, Great Britain and Jr,p_an tc conduct anv of nE following tr:ar.,,c,`:;, 5 on :ne accounts accessed by your ATIA CARD. a) Determine the account balance(s) 0 your Checking, your Regular Shares, and your Personal Servxf Loan iPSL;- ; b) Withdraw cash from your Check:ng and your Regular :Sha, es. c) Make a cash advance fr;zm your Personal Seh;ice Lo:.in (P SL). NOTE: Deposits are not available tnrocuyn PLUS SYSTEM h ds. These are the STAR SYS T EK/s ser vlci s ourranti J arailable t.to,u;h tic; PLUS, SYSTEM nehwerX. Other spruces may 17e of-!r ad r. tote fut:.re. 13. OTHER ATM NETWORK ACCESS - • ATM Only - From time to time, PSECU nav make arrange runts .vial: other ATM networks to grant lrcess to ATM CARDS. P4 EC';J (flair inform you ".4heri s:ach arrangimerir :,re made a'.d ?? r't e rr c or ors F. are :are <v,.l.,, ._• tc, E you. Ara it :rgeb brit also be d ,:':re 14. PURCHASE TRANSACTIONS • ATM Only - You may :so ATP,; ?-: t; >ra rc 3 ,arc cep i"Peron ,sE' i al any rail a• ab, snn'r ,'er,,n,l 1 1 A -M CAP( ;Ira 3cceptr by s-,c D,... ,;h?i n<: j,i 1 _,;(-r! u .a -•:4 r, L Q deauctid -?n' y; r 7 vVh .,r F, r P_, , , -,., .plc t,ir ,.4:1 CARD, y,x, 'silt be: ei,,,<,>G^ r SEC:, to hl "ne, a:.,c-a'a of 'tics al;:Cr r? :t:'i: ,.,C;.1 .;1 .?V !i; ry .... ..., ,. Sue i IVIC Fella:., ' 15. LIMITATIONS ON THE USE OF YOUR ATM CARD -• ATR1 Only -Your ,,.r rv , to . ' rf:r r rrl ,. _ r.- 3htr. of y`L.r :.cc o"nts (. i,A•1? F . v.Ea'- . e or t .. STAR SYSTFIi I.1 ra. ! , 1r.'.. ,._ _ .._ u t ti ...,%i?' >, .sir :,_ ..,.... ,. In:• •,tr•:. ! , 1; J??it .. . c.st ,. v t 1 . 2 , :..:.. .. e d .c, „•i -T?,V ., -ion as < _t•?cc :r,'t ,, _,. ' _.. .- _. n, J w'.i :e d6•r.iad .?.F, r AT I CAF I. ? cell . :. .: , it y , uo rct h1x, .,f u :•.e oval..b:e in ; ;.,r account, do rot r- tr;a P r-::; :al .a. Lf:, t,, Ur t._; .b• r i IPi!, rr x -t. t,t tl- L of „> .(rt, rem-la iC7 "he r <t e pt :; r vc.,r„_, t the S AR S'/STE''s or PLUS SYSTE'A 4f,'A cr k1crchiirt to rrct :III r otlfy you of e',e r-pninl. ,,Seri; is a lint in 'f... ,qtr t-F,r of irniaS fit 'ate;d.At _ v.P- r7 ex.e!ed the limit "Al r ?uiI in n. a acne rot -nlion of r A ,,',l CARD, The . •umb =r of attempts that regilt in macJ.: ratentlort is ant rr ,rc-n(y pu:l:,oscs. 16. ERROR RESOLUTION PROCEDURES - • ATM, ACH and SST - In case of errors or cuoStions apaut Your transaction: Direct inquiries to PSECU at (300) 237.7';28 NatiorrNbfe, i DD (800) 472. 1967 Nationwide, i717) 777-2130 n Harrisburg, or write PSECU el Pennsylvania State Employees Credit Union, PO Box 67013, Harrisburg, PA 171066.7013, as scan as you can if you think your statement or receipt is wrong, or if you need more information about a transaction listed on tare ; statement or receipt. PSECU must hear from you no later than 60 days after s it, sent you the first statement or, which the problem or error appeared. You must provide the following in`canatlon; (a) Your name, account number, and I ATM CARD number (if a ATM transaction), or reference number (if Self- I Service Telephone Transaction): (b) Describe the error or the transaction you aro unsure about, and explain as clearly as you can vrhy you believe it is an error or why you need th? information, and: (c) The dollar amount of the susoecled error, If you tell PSECU orally, yeti _ist sc:•nd your complaint rp,e ntlon in writing within 10 be n yss days PSECU vid; tell you the <cats of the investigation tr;thin 10 business days for STAR SYSTEIMS, PLUS .`SYS'TEM, SELF-SERV+CE TELEPHONE, or DIRECT DE0lIT/CRED!T TRANSACTiONS.. or 20 days tot STAR SYSTEMS purchase transactions. If we need more time, nowever' NO fray take up to 45 days for STAR SYSTEMS, PLUS SYSTEM, SELF SERVICE TELEPHONE, or DIRECT DEBIIYGREDIT TRANSACTIONS co 90 days for STAR SYSTEMS purchase transactions. If PSECU decides to do this, it will fOCfedit your account within 10 business days for the amount you think is in error if it is a STAR SYSTEMS, PLUS SYST'r M SELF-SERVICE TELEPHONE. or DIRECT DEBITiCREDIT transaction or 20 business days it it is a STAR SYSTEMS purchase transaction. You will have the use of the money during the time it takes to compiete the investigation. if PSECU does riot receive your complaint or question in writing within 10 business days, PSECU may not recredit your account. It PSECU decides there, is no error. you will be advised within three business days after the investigation is completed. You may ask for i copies of the documents PSECU used in the invest;( ation. It PSECU credits your account wnilo investigating, you roast repay those funds if PSECU i concludes no error has occurred. 17. ATM SURCHARGE - if you use an ATM that is not uperated by us, you may be charged a fee by the ATM of exactor and by any mationai, ragfonal or local network used in processing the transaction (:Ind you may be charged a fee for a balance i inquiry even if you do not complete a fund transfer). The ATM surch-,rge will be debited from your account if you elect to complete the ' cis„action. Notice To Consumers Using ATM's • Be alert to your surroundings. if you doubt the safety of a Cartic ,lar oration, chorase, another ATM, • it the ATNI has an entry door, close the door r-rlc r S ire -:atincg your iransaction. • Put your cash away intmed,alely. • Direct cornpiafnts concerning ATM security to an arpropir ale department of the owner of the ATM. Novi Jersey re;siclents yc:a may call the. Ne'.v Jersey Department of Banking at (609) 292.7272. For those members who purchase a vehicle under the DRIV Program, please review the following FTC Notice: NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINSTTHE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF, RECOVERY HEREUNDER BY THE DEBTOR'. SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER, 1 7. K - ? J y b ? V L ..- L y 0.l P >` ? L` ; .^ u S G.? s° F t m ' 3 $ 2 o? e a ?' a e :- 4d ? ,' u a s E ? ? ? +? ? u { ^ Y ? .. L. ? .. F y .... ? y_c Y v ) c.n C. O 9 U J 7 •• ) t'r1 3 p ? ° L ; M > _ ? 7 C Cp ? C Vl '? t. ? S £ ' L Ti Y 1 i t E f C .: U J l u j G '? i. Y? o ?e a G u u r, o c ? a tr v ? S ? o-r ° ' : C' G v 4 ?? r ? a £'' `?; tom., :- °? ? t Y p k s ? _ G a P CCl1 Z ? ? . L Q .- T J fc '? '; ? ' ? ?'7 .+y d . Ni 4 ti > t Y t f a t V R ° G O^ ' Z r w ._. S 2 ] 3 k Y C f j? C 1 pp J t? O P p .< u 3 L m .? L ?i t 4 VV ?? 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W SHERIFF'S RETURN - REGULAR CASE NO: 2008-00581 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PENNSYLVANIA STATE EMPLOYEES VS WATTS RAYMOND L KENNETH GOSSERT , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon WATTS RAYMOND L the DEFENDANT , at 1800:00 HOURS, on the 30th day of January , 2008 at 1138 OYSTER MILL ROAD CAMP HILL, PA 17011-1003 MARLENE BROWN, STEP MOTHER by handing to a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 14.40 .00 10.00 .00 42 .40 Sworn and Subscibed to before me this day of , So Answers: R. Thomas Kline 01/31/2008 VAN ECK & VAN ECK By: /?? "4- 1 /ep(ty? S e f A.D. 1 PENNSYLVANIA STATE EMPLOYEES: IN THE COURT OF COMMON PLEAS CREDIT UNION, CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff NO. 08-581 Civil Term VS. RAYMOND L. WATTS Defendant CIVIL ACTION -LAW PRAECIPE FOR JUDGMENT Enter Judgment in favor of Plaintiff and against Defendant, Raymond L. Watts for want of ANSWER TO COMPLAINT. (X ) Assess damages as follows: Debt -----------------------------------------------------------------$10 461.82 Attorney's Commission ------------------------------------------- $2,117.36 Filing costs ---------------------------------------------------------- $to be determined TOTAL-------------------------------------------------------------- 1 lus 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, MQ-r`M e , 2008, JUDGMENTS ENTEREDAS ABOVE. By: Deputy Division Document #: 180057.1 PENNSYLVANIA STATE EMPLOYEES: IN THE COURT OF COMMON PLEAS CREDIT UNION, CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff NO. 08-581 Civil Term VS. RAYMOND L. WATTS Defendant CIVIL ACTION -LAW TO: RAYMOND L. WATTS 1138 Oyster Mill Road Camp Hill, PA 17011-1003 DATE OF NOTICE: February 21, 2008 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 (717)249-3168 1-800-990-9108 By: Ukk Melissa L. Vin 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. RAYMOND L. WATTS Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 08-581 Civil Term 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, Raymond L. Watts, above named, is not a corporation and is an adultindividual 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 day of March 08 Y, lik; ed A & Not ftft sEAt MKIM L VANECK _ Nolory rubft Document #: 180057.1 "Ifesion upk" MW 22. 2. ECK & VAN ECK, P.C. Henry W. V?4i Eck, Esgi Attorney I.D``JJNo. 83087 P.O. Box 6662 Harrisburg, PA 17112 717.540.5406 Attorney for Plaintiff O C A i ON Jon tA1pATQH M,IJNA'v J AlSIMA ,a dv% Y1p1,?Yq loo NNOWAC !1? NIYOHAH YlJW ' SS AWN r*,tc?xJ n0lttkrr, :-,t1- ,.? PENNSYLVANIA STATE EMPLOYEES: CREDIT UNION, Plaintiff VS. RAYMOND L. WATTS Defendant TO: Raymond L. Watts, Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 08-581 Civil Term CIVIL ACTION -LAW You are hereby notified that on the following (Ofder) (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 $12,57918 plus costs is hereby entered. DATE: 3/662 Proth otary I hereby certify that the name and address of the proper person(s) to receive this notice is: Raymond L. Watts 1138 Oyster Mill Road Camp Hill, PA 17011-1003 A: Raymond L. Watts, Defendant, Defendido/a (Defendidos/as) Por este medio se le esta notificando que el de del , el/la siguiente (8rden) (Deer-ete) (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: Raymond L. Watts 1138 Oyster Mill Road Camp Hill, PA 17011-1003 Document #: 180057.1 PENNSYLVANIA STATE EMPLOYEES: CREDIT UNION, Plaintiff . VS. RAYMOND L. WATTS . Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 08-581 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: March 5, 2008 Respectfully Submitted, VAN ECK & VAN ECK, P.C. ?. By: Ou'li 'wv Melissa L. Van Eck, Esquire Attorney I.D. No. 85869 Henry W. Van Eck, Esquire Attorney I.D. 83087 P.O. Box 6662 Harrisburg, PA 17112 (717) 540-5406 Attorneys for Plaintiff Document A. 180057.1 t7 +v rrn ?. c-' x c _ w ?r C-