The URL can be used to link to this page

Home My WebLink About08-2263IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES NO. DS- oM3 a;vil k'rM CREDIT UNION, Plaintiff VS. SANDRA TRAN 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 S. Bedford St. Carlisle, PA 17013 (717) 249-3166 (800) 990-9108 Document 9: 180057.1 EN LA CORTE DE ALEGATOS COM UN DEL CONDADO DE CUMBERLAND, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES NO. CREDIT UNION, Plaintiff VS. SANDRA TRAN Defendant : CIVIL ACTION -LAW AV I S O PARA DEFENDER Conforme a PA Nfim. 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) dias despu6s 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 S. Bedford St. Carlisle, PA 17013 (717) 249-3166 (800) 990-9108 Document #: 180057.1 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff VS. SANDRA TRAN Defendant NO. Of- a Z/-3 C-? 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, Sandra Tran, is an adult individual with a last known address of 1713 Hummel Ave., Apt 1, Camp Hill, PA 17011-5530. 3. Defendant is, and at all relevant time material hereto has been, the primary loan applicant. 4. 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 "A". 5. The application submitted by Defendant was approved by Plaintiff. 6. 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 Document #: 180057.1 Credit and Security Agreement is attached hereto, incorporated herein and marked as Exhibit «B» 7. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms and conditions of the Contract marked as Exhibit "B". 8. Various charges and payments were made by Defendant on the account. 9. Defendant has defaulted on the loan by failing to make timely and regular payments. 10. The last payment made by Defendant was on May 28, 2006. 11. Defendant is required under the contract to make regular and timely payments. 12. Plaintiff has maintained a statement of account keeping an accurate and running amount of debits and credits made on Defendant's account. 13. Plaintiff has submitted to Defendant a copy of the statement of account accurately showing all debits and credits for transactions with Defendant. 14. Defendant has not objected to any of the monthly statements of account submitted by Plaintiff to Defendant. 15. Despite Plaintiff's reasonable and repeated demands for payment, Defendant has failed, refused and continue to refuse to pay all sums due and owing on Defendant's loan account balance, all to the damage of Plaintiff. 16. As of April 9, 2008, the balance due, owing and unpaid on Defendant's loan account with Plaintiff is the sum of Eight Thousand Seven Hundred Fifteen Dollars and 54/100 ($8,715.54). Document #: 180057.1 17. Pursuant to the terms and conditions of the extension of credit contained in the Contract, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest charge on the principal loan balance. 18. Due to the default of the Defendant and pursuant to the terms and conditions of the Contract attached as Exhibit "B", attorney's fees in the total amount of One Thousand Seven Hundred Sixty-Eight Dollars and 11/100 ($1,768.11) have been added to the account. 19. Any and all conditions precedent to the bringing of this action has been performed by Plaintiff. 20. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. Document #: 180057.1 WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, respectfully requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant, Sandra Tran, in the amount of Ten Thousand Four Hundred Eighty-Three Dollars and 65/100 ($10,483.65), plus interest, the costs of this action, and such other relief as the Court deems just and proper. Respectfully submitted, VAN ECK & VAN ECK, P.C. By: 4aw i 14-k- 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, Gregory R. Diffenderfer, Manager of the Pennsylvania State Employees Credit Union verify that the statements made in the aforegoing document are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. §4904, relating to unsworn falsification to authorities. Pennsylvania State Employees Credit Union By: L Title: iltC s644 9 e- s Date: 4 _a -og EXHIBIT (W) • 056; . SIGNATURE LOAN ACTIVATION NOTICE April 21, 2005 Applicant Information: SS Applicant: SANDRA TRAN Ref #: 450613 309 Work Telephone #: Approval Amount: $10,000.00 Home Telephone #: Account Number: L2958 d/ Signature: I acknowledge receipt of the PSECU?INER Disclosure and Credit Agreement and agree. o be bound b,eterms set rth in said agreement. Signature of SANDRA TRAN Date SIGNATURE LOAN OPTIONS Purpose:- Please select one of the following Signature Loan disbursement options: Send a ? check, or L? deposit to my Share 4 (MoneyHandler/Checking Shares) Please select one of the following Signature Loan repayment options: ? Payroll Deduction N Automatic Transfer ? Direct Payment ? Homebanldng ? Self Service Telephone ? Coupon 4 1?.lx1tXri3.,,yr-1 cz?t? 6f n, s4 PSEOl1 ST. SQUARE & ®lf NTIIR ZO 2 Wa 9Z ?dH SOOZ SCANE AN D EXFIIBIT `B" PSECO Pennsylvania Mate Employees Credit Union PO. Eox 670t3 • Harrisburg, PA 17106-70f3 I 1717) 234-8484 Harrisburg, (800) 237-7328 Nanor% ide the financial link. Loan Disclosures This L0,ANLINER° Credit and Security Agreement, which includes the Truth in Lending Disclosures, will be referred to as the Plan. The Plan documents include this agreement and an Addendum. You, your and borrower mean any person who signs the Plan. Credit union, we, our and us mean PSECU or anyone to whom the Credit Union transfers its rights under the Plan. HOW THIS PLAN WORKS - This is an open-end, multi featured credit plan. We anticipate that, from time to time, you will borrow money (called "advances") under the Plan. We are not required to make advances to you under the Plan and can refuse a request for an advance at any time. The Addendum describes the different types of credit (called "subaccounts") available under the Plan, the current interest rate for each subaccount expressed as a daily periodic rate and corresponding annual percentage rate and other charges. It may also have other terms and a schedule for determining the payment amounts. CREDIT LIMIT - We may, but do not have to, establish a credit limit on certain subaccounts. If a credit limit is set for a subaccount, you promise not to exceed the established credit limit. If you exceed the credit limit, you promise to repay immediately the amount which exceeds the credit limit. REPAYMENT - You promise to repay ail amounts you owe under the Plan plus interest. Payments are due on the last day of the month unless we set a different day at the time of an advance. if the Addendum has no payment schedule for a subaccount, your payment will be determined at the time of each advance. Payments must include any amount past due and any amount by which you have exceeded any credit limit you have been given for a subaccount. You may repay all or part of what you owe at any time without any prepayment penalty. Even if you prepay, you will still be required to make the regularly scheduled payments unless we agree in writing to a change in the payment schedule. If you have a joint sharedraft account, you will be responsible for paying all overdraft advances obtained by a joint holder of the sharedraft account. Unless otherwise required by law, payments will be applied to amounts owed under the Plan, in the manner the Credit Union chooses. PLAN ACCESS -You can obtain credit advances in any manner authorized by us. If we allow you to use your ATM: Debit card to access the Plan, you may be liable for the unauthorized use of your ATM; Debit card. You will not be liable for unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft, or possible unauthorized use. it you believe your ATM/Debit card has been lost or stolen, j immediately inform the Credit Union by calling or writing us at the telephone number or address that appears elsewhere in the Plan, it the card is used to obtain unauthorized advances directly from the Plan, your liability will not exceed $50. If the unauthorized withdrawal is from a sharedraft account, your liability is governed by the Regulation E disclosures you received at the time you received your ATM/Debit card, even if the withdrawal results in an advance being made from your overdraft subaccount. FINANCE CHARGE - The dollar amount you pay for money borrowed is called a "finance charge" and begins on the date of each advance. A finance charge will be computed separately for each separate balance under the Plan. To compute the finance charge, the unpaid balance for each day since your last payment (or since an advance if you have not yet made a payment) is multiplied by the applicable daily .periodic rate. The sum of these amounts Is the finance charge owed. The balance used to compute the finance charge is the unpaid balance each day after payments and credits to that balance have been subtracted and any additions to the balance have been made. In addition to interest, we may charge other finance charges which are disclosed on the Addendum. If the interest rate is a variable interest rate, the Addendum explains how the variable interest rate works. SECURITY -You pledge as secarity for the Plan all shares and dividends and, if any, all deposits and interest in all joint and individual accounts you have with us now and in the future. If a specific dollar amount is pledged for an advance, we will 1 freeze shares in that account to the extent of tha outstanding balance for the advance. Otherwise, your pledged shares may be withdrawn unless you are in default. The following paragraph applies In all states except in Ohio, Rhode Island and Massachusetts: We have a statutory lien on the shares and dividends and, if any, the deposits and interest in all individual and joint accounts you have with us and may exercise our rights under the lien to the extent permitted by state law. (Hie are state chartered if our name does not include the term "Federal Credit Union.") For all borrowers: The statutory lien and/or your pledge will allow us to apply the funds in your account(s) to what you owe when you are In default. The statutory lien and your pledge do not apply to any Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given as security. Additional security for the Plan may be required at the time of an advance. if a subaccount identifies a type of property (such as "New Cars") you must give that type of property as security when you get an advance under that subaccount..A subaccount name such as "Other Secured" means you must provide security acceptable to us when you obtain an advance under that subaccount. Property you give as security will secure all amounts owed under the Plan and all other loans you have with us now or in the future, except any loan secured by your principal dwelling. Property securing other loans you have with us may also secure the Plan. CREDIT INSURANCE - Credit life anci;'nr credit disability insurance is optional under the Plan. If you qualify for and purchase the insurance from us, you authorize us to add the insurance premiums monthly to your loan balance and charge you CI,+.A v°_72AL 6FC,P '460. 92. 84 . 28 61 ?,9 2,?o. 0!. 02. 03 N005 A..: n GN7S c =yrG interest on the entire balance. If you elect credit insurance, your payments may increase or the period of time necessary to repay your advance may be extended. The credit insurance rates may change during the Plan. If the rates change, we will provide any notices required by applicable law. PERIODIC STATEMENT- On a regular basis you will receive a statement showing all transactions under the Plan during the period covered by the statement. Statements and notices will be sent to you at the most recent address you have given us in writing. Unless applicable law requires notice to each joint borrower, notice to any one of you will be notice to all. JOINT ACCOUNTS - It this is a joint account, each of you is individually and jointly responsible for paying all amounts owed. That means we can enforce our rights under the Plan against any one of you individually or against all of you together. If you give us inconsistent instructions, we can refuse to follow your instructions. Unless our written policy requires all of you to sign for an advance, each of you authorizes the other(s) to obtain advances individually and agrees to repay advances made to the other(s). Any joint accountholder may terminate the Plan by giving us prior written notice, if any of you terminate the Plan, the Plan is terminated for all of you. You remain liable individually and jointly for all advances incurred before termination. FEES AND CHARGES - It you give us a security interest in certain types of property, we may charge you a filing fee to perfect our interest in the property. If we do, the amount of the fee will be disclosed to you at the time you obtain an advance. We may also charge you other fees in connection with the Plan. Our current fees are disclosed on the Addendum and will be added to your loan balance unless you pay them in cash. UPDATING CREDIT INFORMATION -You promise that you will promptly give us written notice it you move, change your name or employment, or if any other information you provided to us changes. Upon our request, you also agree to provide us updated financial Information. DEFAULT - The following paragraph applies to borrowers in Idaho, Kansas, Maine and South Carolina: You will be in default if you do not make a payment of the amount required when it is due. You will also be in default if we believe the prospect of payment, performance, or realization on any property given as security is significantly impaired. The following paragraph applies only to borrowers In Wisconsin: You will be in default if you fail to make a payment when due two times during any 12 month period. You will be in default if breaking any promise made under the Plan materially impairs your ability to repay what you owe or materially impairs the condition, value, or protection of or our right in any property you gave as security. The following paragraph applies only to borrowers in Iowa: You will be in default if you are more than 10 days late in making a payment. You will also be in default if you do not comply with the terms of the Plan and your failure to comply materially impairs any property you gave as security or your ability to repay what you owe under the Plan. The following paragraph applies to borrowers In all other states: You will be in default if you do not make a payment of the amount required when it is due. You will be in default if you break any promise you made under the Plan or if anyone is in default under any security agreement made in connection with an advance under the Plan. You will be in default if you die, file for bankruptcy, become Insolvent, H you make any false or misleading statements in any credit application or update of credit information, or it something happens we believe may substantially reduce your ability to repay what you owe. You will be in default if any property you have given us as security is repossessed by someone else, seized under a forfeiture or similar law, or if anything else happens that significantly affects the value of the property or our security interest in it. You will also be in default under the Plan if you are in default under any other loan agreement with us. ACTIONS AFTER DEFAULT - The following paragraph applies to borrowers in Colorado, District of Columbia, Iowa, Kansas, Maine, Massachusetts, Missouri, Nebraska, South Carolina and West Virginia: When you are in default and after expiration of any right you have under applicable state law to cure your default, we can demand immediate payment of the entire unpaid balance under the Plan without giving you advance notice. The following paragraph applies to borrowers in all other states except Wssconsin and Louisiana: When you are in default, we can require immediate payment (acceleration) of the entire unpaid balance under the Plan. You waive any right you have to demand for payment, notice of intent to accelerate and notice of acceleration. The following paragraphs apply to borrowers In all states except Wisconsin and Louisiana: 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 or, d applicable, at the default rate disclosed on the Addendum. If a demand for immediate payment has been made, your shares and/or deposits can be applied towards what you owe as provided in the section above called 'Security" We can also exercise any other rights given by law when you are in default. You agree the Credit Union has the right to take possession of any property given as security under the Plan, without judicial process, if this can be done without breach of the peace If we ask, you promise to deliver the property at a time and place we choose. If the property is a molor vehicle or boat, you agree that we may CPstvtcl PSECU FORM 03138 JaxX0601.2 113 7-2 092 1 (3/05) LOANLiNER' Credit and_Securily Credit Agreement (continued) obtain a key or other device necessary to unlock and operate it, when you are in default. We will not be responsible for any other properly, not covered by this Agreement, that you leave inside the property or that is attached to the property. We will try to return that property to you or make it available for you to claim. Ater we have possession of the property, we can sell it and apply the money to any amounts you owe us. We will give you notice of any public disposition or the date after wrt:ch a private disposition will be held. Our expenses for taking possession of and seising the property will be deducted from the money received from the sale. Those costs may include the cost of storing the property, preparing it for sale and attorney's tees tdthe extent permitted under state law or awarded under the Bankruptcy Code. You must pay any amount that remains unpaid after the sale money has beer. applied to any unpaid balance under the Plan. You agree to pay interest on that amount at the same rate as the advance, or, if applicable, at the default rate disclosed on the Addendum, until that amount has been paid. The following paragraph applies only to Wisconsin borrowers: When you are ir, default and after expiration of any right you have under applicable state law to cure your default, we may require immediate payment of your outstanding loan balance under the Plan and seek possession of property given as security. You may voluntarily give the property to us if you choose, or we may seek to take possession of the property by judicial process. If we repossess the property, you agree to pay reasonable expenses incurred in disposing of the property. If the property is a motor vehicle, mobile home. trailer, snowmobile, boat or aircraft, you will also be required to pay any costs permitted by Section 422.413 of the Wisconsin Statutes. You must pay any amount that remains unpaid after the sale money has been applied to what you owe under the Plan. You agree to pay interest on any unpaid amount at the same rate as the advance, or, if applicable, at the default rate disclosed on the Addendum, until that amount is paid. It the property is located outside Wisconsin at the time of default, we may take possession of the property without judicial process, if permitted by the state where the property is located. The following paragraph applies only to Louisiana borrowers: When you are in default, we can require immediate payment (acceleration) of the entire unpaid balance under the Plan. You waive any right you have to demand for payment, notice of intent to accelerate and notice of acceleration. 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 j Addendum. If a demand for immediate payment has been made, the shares and i deposits given as security for the Plan can be applied towards what you owe. We i can also exercise arty other rights given by law when you are in default and our rights under any security agreements you have with us. CANCELLING OR CHANGING THE PLAN - The following paragraph applies only to borrowers in Illinois: We have the right to change the terms of the Plan from time to time aher giving you any advance notice required by law. Any change to the i interest rate or other charges will apply to future advances. The following paragraph applies only to borrowers In Wisconsin: We can change the terms of the Plan from time to time in accordance with Section 422.415 of the Wisconsin Statutes. You will be notified of any change in terms, An increase in the daily periodic rate under a variable rate interest rate is not considered a change in terms under the Plan. We can cancel the entire Plan or any part of the Plan at any time. You may cancel the Plan at any time by giving us prior written notice. Your obligation to pay the unpaid balances under the terms of the Plan i continues whether you or the credit union cancel the Plan, except to the extent that your liability is limited by Section 422.4155 of the Wisconsin Statutes. 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 increases the amount of your payments, or that otherwise adversely affects existing s balances will apply to existing balances only if you agree to the change or you use the Plan after receiving notice that your use of the Plan means you agree the change applies to existing balances. The following paragraph applies to borrowers in alt other states: We have the right to change the terms of the Plan from time to time after giving you any advance notice required by law. Any change in the interest rate will apply to future advances, and at our discretion and subject to any requirements of applicable law, will also apply to unpaid balances. The following paragraph applies to all but Wisconsin borrowers: An increase in the daily periodic rate under a variable interest rate is not considered a change in terms under the Plan. We can cancel the entire 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 you or the Credit Union cancel the Plan. DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN - We can delay enforcing any of our rights under this Plan any number of times without losing tre ability to exercise our rights later. We can enforce this Plan against your heirs or legal representatives. If we change the terms of the Plan, you agree that this Plan will continue to protect us. CONTINUED EFFECTIVENESS - If any part of this Plan is determined by a court to be unenforceable, the rest will remain in effect. NOTICE TO UTAH BORROWERS - This written agreemant is a final expression of the agreement berween you and the Credit Union. Ths written agreement may not be contradicted by evidence of any oral agreement. Tile tulloill is required uy Vermont law - NOTICE TO CO-SIGNER - YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LFNDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. The following paragraphs apply if you give security in connection with an ! advance under the Plan. They apply to borrowers in all states except Louisiana. Louisiana borrowers will execute a separate security agreement. Borrowers in other states may also be asked to execute a separate security agreement. THE SECURITY FOR THE PLAN - You give us what is known as a security interest in all property described in any receipt, voucher or other document you receive for an advance ("the Advance'). The security interest you give includes all i accessions. Accessions are things which are attached to or installed In the property , now or in the future. The security interest also includes any replacements for the property which you buy within 10 days of the Advance or any extensions, renewals or refinancing of the Advance. It also includes any money you receive from selling I the property or from insurance you have on the property. If the value of the property declines, you promise to give us more property as security if asked to do so. WHAT THE SECURITY INTEREST COVERSICROSS COLLATERAL PROVISIONS -The security interest secures the Advance described in the receipt, voucher or any other document you receive at the time of the Advance and any extensions, renewals or refinancings of the Advance. It also secures any other advances you have now or receive in the future under the Plan and any other amounts or loans, ! Including any credit card loan, you owe us for any reason now or in the future, I except any loan secured by your principal residence. If the property is household ! goods as defined by the Federal Trade Commission Credit Practices Rule, the property will secure only the Advance and not other amounts you owe. OWNERSHIP OF THE PROPERTY - You promise that you own all property you give as security or if the Advance is to buy the property, you promise you will use the Advance for that purpose. You promise that no one else has any interest in or claim against the property that you have not already told us about, You promise not to sell or lease the property or to use it as security for a loan with another creditor until the Advance is repaid. You promise you will allow no other security interest or lien to attach to the property either by your actions or by operation of law. PROPERTY INSURANCE, TAXES AND FEES - You must maintain property insurance on all property that you give as 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 property Insurance through a policy you already have, or through a policy you get and pay for. You promise to make the insurance policy payable to us and to deliver the policy or proof of coverage to us if asked to do so. If you cancel your insurance and get a refund, we have a right to the refund. If the property is lost or damaged, we can use the insurance settlement to repair the property or apply it towards what you owe. You authorize us to endorse any draft or check which may be payable to you in order for us to collect any refund or benefits due under your insurance policy. You also promise to pay all taxes and fees (like registration fees) due on the property. If you do not pay the taxes or fees on the property when due or keep 4 irsured, we may pay these obligations, but we are not required to do so. Any money we spend for taxes. fees or insurance will be added to the unpaid balance of the advance and you will pay interest on those amounts at the same rate you agreed to pay on the advance. We may receive payments in connection with the insurance from a company which provides the insurance. We may monitor our loans for the purpose of determining whether you and other borrowers have compiled with the insurance requirements of our loan agreements 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) the cost of determining compliance with the insurance requirements. If we add amounts for taxes, fees or insurance to the unpaid balance of an advance, we may increase your payments to pay the amount added within the term of the insurance or approximate term of the advance. INSURANCE NOTICE - If you do not purchase the required property insurance, the insurance we may purchase and charge you for will cover only our interest in the property. The premium for this insurance may be higher because the insurance company may have given us the right to purchase insurance after uninsured collateral is lost or damaged. The insurance will not be liability insurance and will not satisfy any state financial responsibility or no fault laws. PROTECTING THE SECURITY INTEREST - It your state issues a title for the property, you promise to have our security interest shown on the title. We may have to file what is called a financing statement to protect our security Interest from the claims of others. if asked to do so, you promise to sign a financing statement. You also promise to do whatever else we think is necessary to protect our security interest in the property. You promise to pay all costs, including but not limited to any attorney fees, we incur in protecting our security interest and rights In the property, to the extent permitted by applicable law. USE OF PROPERTY - Until the Advance nas been paid off, you promise you will: (i) Use the property carefully and keep it in good repair. (2) Obtain our written permission before making major changes to the property or changing the address where the property is kept. (3) Inform us in writing before changing your address. (4) Allow us to inspect the property, (5) Promptly notify us if the property is damaged, stolen or abused. (6) Not use the property for any unlawful purpose. (7) Not to retitle property in another state without telling us. NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE - THE MOTOR VEHICLE IN THIS TRANSACTION MAY BE SUBJECT TO REPOSSESSION. IF IT IS REPOSSESSED AND SOLD TO SOMEONE ELSE, AND ALL AMOUNTS DUE TO THE SECURED PARTY ARE NOT RECEIVED IN THAT SALE, YOU MAY HAVE TO PAY THE DIFFERENCE. NOTICE FOR ARIZONA OWNERS OF PROPERTY - It is unlawful for you to fail to return a motor vehicle that is subject to a security interest, within thirty days after you have received notice of cefauit. The notice will be mailed to the address you gave us. It is your responsibility to notify us if your address changes. The maximum penalty for unlawful failure to return a motor vehicle is one year in prison and or a fine of S150,000. This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act- You are advised to read your monthly statement and review it far any error discrepancies or unauthorized transactions. NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT. If you think your statement is wrong, or if you need more informaton about a transaction on your statement, write us on a separate sheet at the address listed on your statement. You are required to notify us in writing within 60 days following the date on which we sent your statement wherein the error or problem first appeared regarding any discrepancy or unauthorized transactions on your account. Failure to notify us may result in your acceptance of any responsibility for payment or reimbursement to us for any such error or discrepancy on your account. Write to us as soon as possible. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: Your name and account number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay a credit card account automatically from your share account or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur. YOUR 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 must either correct the error or explain why we believe the statement was correct. In this Agreement, the words you and your means each and all of those who apply for the card or who signs this Agreement. Card means the Visa Credit Card and any duplicates and renewals we issue. Account means your Visa Credit Card Line of Credit account with us. We, us, and ours means this Credit Union. 1. RESPONSIBILITY -If we issue you a card, you agree to repay all debts and the Finance Charge arising from the use of the card and the card account. For example, you are responsible for charges made by yourself, your spouse and minor children. You are also responsible for charges made by anyone else to whom you give the card, and this responsibility continues until the card is recovered. You cannot disclaim responsibility by notifying us, but we will close 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 not a party may direct you or one of the other 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) 237-7326. After hours call (800) 556-5678. 3. LIABILITY FOR UNAUTHORIZED USE - You agree 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 will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use. You will have no liability for unauthorized purchases made with your Credit Card, unless you are grossly negligent in the handling of your Card- In any case, your liability will not exceed $50. 4. CREDIT LINE - If we approve your application, we will establish a self- replenishing Line of Credit for you and notify you of its amount when we issue the card. You agree not to let the account balance exceed this approved Credit Line. Each payment you make on the account will restore your Credit Line by the amount of the payment which is applied to the principal. You may request an increase in your Credit Line only by written application to us, which must be approved by our credit committee or loan officer. By giving you written notice we may reduce your Credit Line from time to time, or with good cause, revoke your card and terminate this Agreement. Good cause includes your failure to comply with this Agreement or any other agreement with us, or our adverse reevaluation of your creditworthiness. You may also terminate this Agreement at any time, but termination by either of us does not affect your obligation to pay the account balance. The cards remain our property and you must recover and surrender to us all cards upon our request and upon termination of this Agreement. 5. CREDIT INFORMATION - You authorize us to investigate your credit standing when opening, renewing or reviewing your account, and you authorize us to disclose information regarding your account to credit bureaus and other creditors who inquire Of us about your credit standing. 6. MONTHLY PAYMENT - We will mail you a statement every month showing your Previous Balances of purchases and cash advances, the current transactions on your account, the remaining credit available under your Credit Line, the New Balances of purchases and cash advances, the Total New Balance, the Finance Charge due to date, and any other bifled fees, and the Minimum Payment required. Every month you must pay at least the Minimum Payment within 25 days of your statement closing date. By separate agreement you may authorze us to charge the minimum payment automatically to your share or checking account with us. You may, of course, pay more frequently, pay more than the Minimum Payment, or pay the Total Now Balance in full, and you will reduce the finance charge by doing so. If your monthly payment exceeds the total credit line balance owed, eve will automatically past tie credit to your 51 shares. Thu Minimum payment will be (a) 2 of your Total New Balance, rounded up to the next even dollar, or (b) S20.00, whichever is greater. in addition, at any time your Total New Balance exceeds your Credit Line. You must immediately pay the excess upon our After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to send statements to you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating. but you are still obligated to pay the parts of your statement that are not in questor. If we find that we made a mistake on your statement, you vral not have to pay any finance charges related to any questioned amount. 0 we didn't make a rristake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you awe and the dale that it is due If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ton days telling us that you still refuse to pay, we must tell anyone vie report you to that you have a question about your statement. And, we must tell you the name of anyone we reported you to. We must tell anyone we, report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the !irst S50 of the questioned amount, even if your statement was correct. SPECIAL RULE FOR CREDIT CARD PURCHASES - If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations on this right: (a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services, demand. We will apply payments in the following manner: first to previous late fees, then to previous cash advances finance charges, then to previous purchase finance charges, then to current late fees, then to previous cash advance balances, then to previous purchase balances in the order that they were posted to your account, then to current cash advance balances, and then to current purchase balances. 7. FINANCE CHARGES - You can avoid the Finance Charge on purchases by paying the full amount of the New Balance of Purchases each month within 25 days of your statement closing date. Otherwise, the New Balance of Purchases, and the subsequent purchases from the date they are posted to your mount, will be subject to Finance Charge. Cash advances are always subject to Finance Charge from the date they are posted to your account. Purchases: We calculate your finance charge by multiplying the average adjusted daily balance (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 Addendum. Cash Advances: We calculate your finance charge on cash advances by multiplying the average adjusted daily balance (see explanation below) for cash advances during the billing cycle by the monthly periodic advance rate and corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum. Balance Computation Method Average Daily Balance for Purchases - The Average Daily Balance for Purchase Transactions is calculated by adding the Daily Balances (Purchase Transaction) for each day in the billing cycle, and then dividing by the number of days in the billing cycle. To calculate the Daily Balance for purchases each day, vre take the following steps: We take the outstanding balance (ail amounts you owe) at the start of the day. Then, in the sequence in which amounts are posted to your account, we add the amounts of all debits and subtract the amounts of all credits or payments which post to your account that day. After applying payments and credits, we subtract the amount of any unpaid Finance Charges or Late Charges. Then we also subtract the amount of any Cash Advance transactions that posted to your account on that day or in any previous day in the billing cycle. This gives us the Daily Balance for purchases. Average Daily Balance for Cash Advances - Cash Advance Transactions which are posted to your account are not included in the Average Daily Balance calculation for purchases, and are therefore not subject to the monthly periodic rate for purchases. The Average Daily Balance is calculated separately for Cash Advances and is subject to the Cash Advance Monthly Periodic Rate. The Average Daily Balance for Cash Transactions is calculated by adding the Daily Balances (Cash Transaction) for each day in the billing cycle, and then dividing by the number of days in the billing cycle. To calculate the Daily Balance for cash each day, we take the following steps: We take the outstanding balance (all amounts you owe) at the start of the day. Then, in the sequence in which amounts are posted to your account, we add the amounts of all debits and subtract the amounts of all credits or payments which post to your account that day. After applying payments and credits, we subtract the amount of any unpaid Finance Charges or Late Charges. Then we also subtract the amount of any Purchase Transactions that posted to your account on that day or in any previous day m the billing cycle. This gives us the Daily Balance for Cash Advance Transactions. Note: Cash Advances are always subject to finance charges and from the day they are posted to your account Payments are applied in the following manner: first to previous late fees, then to previous cash advances f rancc• charges, then to previous purchase finance charges, then to current late fees, then to previous cash advance balances, then to previous purchase balances in the order that they were posted to your account, then to current cash advance balances, and then to current purchase balances. Credits are applied first to the particular type of debt wh,rh is bong credited, if any. and then to the balance of your account. Visa` Credit Card Agreement and Truth in Lending Disclosure (continued) Note also that it the total of the payments and credits viNch are posted to your account by the Payment Due Date shown on a statement is equal to or exceeds the New Balance shown on that statement, vie will not apply the 10onihly Periodic Rate to your Account on your next statement. 8. DEFAULT - You will be in default if you fail to make any Minimum Payment within 25 days after your monthly statement closing data, You authorize us to transfer funds sufficient to make the minimum payment due if your Visa lean is m default. You agree that we may temporarily suspend your ATM card access if your Visa payment is due for a period exceeding 30 days. You wilt also be in default if your ability to repay us is materially reduced by a change in your employment, an increase in your obligations, bankruptcy or insolvency proceedings involving you, your death or your failure to abide by this Agreement, or if the value of our security interest materially declines. We have the right to demand immediate payment of your full account balance if you default, subject to our giving you any notice required by law. To the extent permitted by law, you will also be required to pay our collection expenses, including court costs and reasonable attorney fees. 9. USING THE CARD - To make a purchase or cash advance, there are two alternative procedures to be followed. One is for you to present the card to a participating Visa plan merchant, or another financial institution, and sign the sales or cash advance draft which will bo imprinted with your card. The other is to complete the transaction by using your Personal Identification Number (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 monthly statement will identify the merchant, electronic terminal or financial institution 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 order to verify the monthly statement. The Credit Union may make a reasonable charge for photocopies of slips you may request. 10. OVERDRAFT OPTION - If you elect to overdraft to your PSECU Visa Credit Card, that election is subject to the existing credit limit and the agreement ft 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 advance 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, and they will do so by sending 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 wiff automatically post the excess credit balance to your Si Shares within 75 days. If the balance is one dollar or more, upon your written request, we will rotund the credit balance to you. 12. FOREIGN TRANSACTIONS - The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or a government-mandated rate In effect for the applicable central processing date. In each instance, an adjustment may be assessed based on the ISA fee imposed by Visa. This tee, which totals I% of the transaction amount, will be assessed on all transactions where the merchant country differs from the country of the card issuer. 13. DISPUTED TRANSACTIONS - If you disagree or find an error with a Visa i transaction, and have tried in good fa!ih is correct tie problern will) the merchant or the charges are the result of unauthorized or fraudulent use, or your purchase cost more than 550 and was made from a plan merchant in your state within 100 miles of your home, contact PSECU. You are required to notify PSECU in writing within 60 days following the date on which we sent your statement wherein the error or problem first appeared regarding any discrepancy or unauthorized transaction on your account. Telephoning PSECU does not preserve your dispute rights. You may be required to provide us with documentation to support your dispute claims. In addition, you may be required to complete a standard dispute form outlining the details of your dispute. In cases of fraudulent card use, PSECU will also require a notarized affidavit. In some cases we may ask you to notify the local authorities. If we do not receive the proper requested documentation in the time specified you may be held responsible for the transaction(s) in question. PSECU must adhere to strict dispute timeframes set forth by Visa. 14. SECURITY INTEREST-To secure your account, you grant us a purchase money security interest under the Undorm Commercial Code in any goods you purchase through the account. If you default, we will have the right to recover any of these goads which we have not been paid for through our application of your payments in the manner described in the Monthly Payment section. With respect to this account onty, we will not assert any statutory right we may have if you are in default to prevent withdrawal of your unpledged credit union shares (Deposits) below the unpaid balance of your account. However, if you give or have given us a specific pledge of your credit union shares (Deposits) by signing the Pledge of Shares or otherwise, or any other security interests for all your debts, your account will be secured by your pledged shares (Deposits) and by the property described in those other security agreements, except for your home. 15. EFFECT OF AGREEMENT -This Agreement is the contract which applies to all transactions on your account even though the sales, cash advance, credit or other slips you sign or receive may contain different terms. We may amend the Agreement from time to time by sending you the advance written notice required by law. Your use of the card thereafter will indicate your agreement to the amendments. To the extent the 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 following your due date, you will be subject to a $20 charge. 17. RUSH FEES -You may incur additional charges for rush processing and rush delivery of cards and/or PIN mailer. 18. OVER LIMIT FEE -A 520 fee will be applied for each monthly statement closing date on which the outstanding balance exceeds the assigned credit limit by more than $1oo. 19. 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. ILLEGAL TRANSACTIONS PROHIBITED - You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or focal 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. I ATM CARD CARDHOLDER AGREEMENT - The Undersigned (you or your), in in this Agreement shalt be subject to the rules and regulations of each account j consideration of THE PENNSYLVANIA STATE EMPLOYEES CREDIT UNION (we, which is accessed by such Card. ! our and us) issuing to you an ATM CARD, hereby agree to be legally bound by the 2. USE OF PERSONAL IDENTIFICATION NUMBER ("PIN") WITH ATM CARD following terms and conditions. You agree that the use of your ATM card(s) You understand that a STAR SYSTEMS or a PLUS SYSTEM ATM is an automated constitutes acceptance of the terms and conditions of this Agreement. You understand that ATM is a credit-related service and you authorize PSECU to obtain teller. It can and will perform many of the same tasks as a human teller. You a credit report on any users of this account. acknowledge that the Personal Identification Number or PIN which you use with the 1. ACCOUNTS AND USES OF ATM CARD - You have the account(s) (including ATM CARD Is your signature, identifies the bearer of the Card to the STAR SYSTEMS ATM, PLUS SYSTEM ATM, or other network ATM and authonticates and Checking and Regular Shares), which we set forth on your application form with this validates the directions given just as your actual signature and other proof identify Agreement. You hereby request that we issue to you one or more ATM CARD(s) to you and authenticate and validate your directions to a human teller. You also be used in connection with such accounts as described in this Agreement. understand that a Merchant which accepts the ATM CARD for a Purchase You understand you may use the ATM CARD at a STAR SYSTEMS) ATM to (1) transaction may have an electronic terminal (Merchant operated or Self-Service) withdraw cash from, (2) make or arrange for deposits in, (3) effect transfers to or from which requires the use of your PIN and when your PIN is used at a Merchant's your account, (4) receive information regarding the balance in your account(s) or (5) terminal, it will authenticate and validate the directions given just as your actual make cash advances from your credit account(s) in the amounts you request.You may signature will authenticate and validate your directions given to us. You acknowledge also use automated teller machines throughout the United States and in certain that your PIN is an identification code that is personal and confidential and that the foreign countries which bear the PLUS SYSTEMCN name and logo (1) to make use of the PIN with the ATM CARD is a security devise for your account(s). withdrawals from, (2) effect transfers to or from, (3) receive information regarding the Therefore, YOU AGREE TO TAKE ALL REASONABLE PRECAUTIONS THAT NO balances in your Checking or Regular shares. It you have a Personal Service Loan ONE ELSE LEARNS YOUR PIN. approved and in place, you may also make a cash advance from your PSL. You further 3. LIABILITY FOR UNAUTHORIZED TRANSACTIONS -You agree to contact us understand you may use ire ATM CARD to purchase goods and services ' ' at once if you believe the ATM CARD(s) issued to you or PIN nos been lost or stolen ( Purchase ) at any retail establishment (`Merchant") where ATM CARDs are or money is missing from your account(s). You also agree that if your rnoninly I accepted by such Merchant. If you use the ATM CARD to make a Purchase to obtain cash, if permitted by the Merchant, you shall be requesting us to withdraw funds in the statement shows transactions which you did not make, and you do not contact us I s after th within 60 da t te i d amount of such Purchase (including any cash received from the Merchant) from your y e s a ment was ma le to you, you may not gat any money lost after that time. YOU AGREE THAT IF YOU GIVE YOUR ATM CARD(s) and PIN ! Checking Shares and directing or ordering us to pay such funds to the Merchant. TO SOMEONE ELSE TO USE YOU ARE AUTHORIZING THEM TO ACT ON YOUR !. You request that we will provide to you such other services or access to other ATM BEHALF AND YOU WILL BE RESPONSIBLE FOR ANY USE OF THE CARD(s) BY systems or networks using the ATM CARD which we may later make available and THEM. You could lose all your money in the account(s) if you take no action to notify which we advise you are offered in connection with your account(s) set forth on your PSECU of the loss of your ATM CARD or PIN. Safeguard your Personal application form. You a!so understand that from time to time you may request in Identification Number (PIN). Do not tell or disclose your PIN to any other person. Do I ,vritirg that we provide access to additional accounts of yours through the ATiv1 not write your PIN on your ATM CARD. Do not keep a written record of your PIN near CARD we have issued to you. You agree that the uses of the Al M CARD described i your ATM CARD. Do not choose a PIN that is easify identifiable. Elecfroni-q -Funds Transfer AThf Agreement and Regulation E_ Disclosure or write to us at: (continued) Pennsylvania S -r P.O. Box 67013 A rew card rray he orderer !or you at that nmr no a hsa w'.., be p ace on yot. old card. After such time, it you find your old card, destroy the old card by cutting it in half. If you attempt to use your old card, it will not work. 1 4. CHARGES - You agree to pay a 50 cent cnarge for each deposit or withdrawal exceeding 15 a month. You agree to pay the 50 cent penalty charge on any cash j disbursement transaction (loan advance or share withdrawal) that is less than $20. ' You agrea to pay a 25 cent charge on each balance inquiry. You may incur a charge i for any adjustment that needs to be made to your account resulting from an error you made while making a deposit at an Automated Teller machine (ATM). You agree to pay the charges or transaction fees which are charged by us for these services or for services which may later be offered as such fees or charges may be imposed or changed from time to time. 5. DEPOSITS - You agree that when you make a deposit at a STAR SYSTEMS ATM that we have the right to verity the deposit before we make the money available to you. If you deliver cash, checks or other items to a STAR SYSTEMS ATM, you understand and adrtnowledge that the funds from your deposit may not be available for immediate withdrawal and that the availability of your deposit shall depend on our rules and regulations regarding the particular account in which you are making a deposit, the items that you are depositing and whether the deposit is made at a i STAR SYSTEMS ATM that is owned by us or another financial institution. You also understand and acknowledge that not art STAR SYSTEMS ATMS may accept deposits and some STAR SYSTEMS ATMS may limit the amount of funds which may be deposited and that we may not control these limits. 6. LIABILITY - If the ATM CARD is issued for a joint account, you agree to be jointly and severally liable under the terms of this Agreement and the agreement for such account. You agree that if you make deposits or payments to your account(s) with items other than cash (checks, drafts or other items) and we make funds available to you from such deposits prior to their collection, you agree that we may deduct the amounts of such funds from your account(s) which are not collected or, if the funds in your account(s) are insufficient at such time, you will promptly pay to us any amount of such funds which are not 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 I amendment or change shall constitute your acceptance of and agreement to Such amendment or change. 8. OWNERSHIP -You agree that the ATM CARD is our property and you will I surrender it to us upon our request. You agree that the ATM CARD is non- I transferable. 9. DISCLOSURES -You hereby acknowledge receipt of the disclosure statement informing you of your rights under the Electronic Funds Transfer AM and a copy of this Agreement. REGULATION "E" DISCLOSURE i. ELECTRONIC CHECK CONVERSION/ELECTRONIC RETURNED CHECK FEES - If you pay for something with a check or share draft, you may authorize it i to be converted to an electronic fund transfer. You may also authorize merchants to 1 electronically debit your account for returned check fees. You are considered to have authorized 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. i 2, SUMMARY OF CONSUMER LIABILITY - • ATM, ACH and SST - Tell us at once it you believe your card has been lost or stolen. Telephoning is the best way to keep your possible losses down. You could lose all the money in your account plus your maximum overdraft line of credit. If you j believe your card has been lost or stolen, and you tell us within two business days { after you learn of the loss or theft, you can lose no more than $50 If someone used k your card without your permission. If you do not tell us within two business days after you learn of the loss or theft of i your card, and we can prove we could have stopped someone from using your card i without your permission if you had told us, you could lose as much as 5500. i 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 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. If a good reason such as a long trip or a hospital stay kept you from telling us, we will extend the time periods. 3. TELEPHONE NUMBER AND ADDRESS TO NOTIFY OF UNAUTHORIZED TRANSFERS - • ATM - Contact PSECU at (800) 23?-7323 EXT 3808 (nationwide) or (717) 23-1-8484 (in Harrisburg). After hours, lotlow the menu options on PSECU's voice mail system to report a lost or stolen card. For Osa Credit or Debit Cards, ;bfio,v me directions for Lost Ciro Not Tcation under the Visa Credit Card Agreement and Trutrt-in-Lencing Disclosures section of rhrs document. _ • ACH and SST - Contact PSECU at (800) 237-7328 (nationwide) or (717) 234-B484 (m Harrisburg) late Employees Credit Union Harrisburg, PA 17106-7013 PSECU Business Hours: 8:00 a.m. - 5:00 p.m. ivt - F TDD (800) 472.1967 Nationwide (717) 777-2100 in Harrisburg 4. FINANCIAL INSTITUTION'S BUSINESS DAYS - • ATM, ACH and SST - PSECU's Business Days are Monday through Friday, Holidays not included. 5. TYPES OF ELECTRONIC TRANSFERS A CONSUMER MAY MAKE - • ATM - Balance inquiries on checking, savings and PSL; withdrawals from checking/savings; cash advance from PSL; deposits to checking/savings; purchase goods and services at any accepting retail establishment. • ACH - Preaurnorized debits and credits to checking and savings. • SST - Balance inquiries and transaction histories on all share, certificate and loan accounts; transfers from any share to another share or loan account from your PSL to any share or loan account; withdrawals from any share except IRA shares or certificates. 6. ANY CHARGES FOR ELECTRONIC FUNDS TRANSFERS OR FOR THE RIGHT TO MAKE TRANSFERS - • ATM - Fifty cents for each disbursement (cash advance or withdrawal) less than $20; fifty cents for each transaction over 15 per month; 25 cent for each balance Inquiry; and there may be an additional charge for any adjustment that needs to be made to the account of any member who makes an error while depositing at an Automated Teller machine (ATM). • ACH - $30 service charge for insufficient funds for each electronic transfer, • SST - none 7. SUMMARY OF CONSUMER'S RIGHT TO RECEIVE DOCUMENTATION OF EFTS - • ATM - You are entitled to receive a printed receipt at the time of each transaction. 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. • 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. • 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. 8. STOP PAYMENT RIGHTS - PRE-AUTHORIZED TRANSFERS - • 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 how: Call us at (800) 237-7326 (Nationwide) or (717) 234-8484 (Harrisburg) or write us at: Pennsylvania State Employees Credit Union, P.Q. 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- If 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. If these regular payments 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 Failure 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 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 property 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; (7) PSECU has reason to believe that the transaction requested is unauthorized; (8) the failure s due to an equipment breakdown that you know about when you started the transaction at the STAR Systems, PLUS System; (9) the failure was caused by an act of God, fire, or other catastrophe, or by any other cause beyond control, (10) if you attempt to complete a transaction that, at a STAR Systems, PLUS System, or merchant terminal that is not a Efectronic_Fgrids..Transfer, ATM Agropirpenf and Reguh1tign... E" Disclosure (continued) permissible transaction listed above; or, (11) the t:mnsaction wouid exceed the Security IirnltationS on the use of your ATM CARD. I • ACH and SST - if PSECU fails to complete a transaction on time or in the correct amount, when property instructed by you, PSECU wd 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 ugcollected; (3) the funds are subject to legal process; (4) the transaction you request would exceed the funds in your account plus any available overdraft credit; (5) PSECU has reason to believe that the transaction requested is unauthorized; (6) the failure was caused by an act of God, fire, or other catastrophe, or by another cause beyond control. In any case, PSECU shall be liable only for actual proven and not consequential damages if the failure to make the transaction resulted from a Kona fide error despite PSECU's procedures to avoid such errors 10. DISCLOSURE TO THIRD PARTIES - • ATM, ACH and SST - PSECU will disclose information about your account to third parties: (1) when it is necessary to complete transactions; (2) to verify the existence and standing of your account with PSECU upon request of third party, such as a credit bureau; (3) to comply with government agency or court orders; (4) in accordance with your written permission; (5) to comply with government or administrative agency summonses, subpoenas, or court orders; (6) on receipt of certification from a Federal Agency or department that a request for information is in compliance with the Right to Financial Privacy Act of 1978; Regulation P, Privacy of Consumer Financial Information; and (7) when it is necessary to take legal action to recover shares. 11. STAR SYSTEMS SERVICES - • ATM Only -You may use your ATM CARD with your Personal Identification Number (PIN) at STAR SYSTEMS located in Delaware, Maryland, New Jersey and Pennsylvania to conduct any of the following transactions for 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). d) Deposit currency, checks, or drafts (coins are not acceptable) for 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 Service Loan. Not all ATMs may accept deposits. There may also be limits on the amount of funds which you may deposit in certain ATMs. 12, PLUS SYSTEM' SERVICES - • ATM Only -You may use your ATM CARD with your Personal Identification Number (PIN) 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 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 SYSTEM network. Other services may be offered in the future. 13. OTHER ATM NETWORK ACCESS - • ATM Only - From time to time, PSECU may make arrangements 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 establishment ("Merchant") where ATM CARDS are accepted by such Merchant. The amount of all such Purchases will be deducted from your Checking. When you make a Purchase using the ATM CARD, you will be requesting PSECU to withdraw funds from your Checking in the amount of the Purcnase and directing PSECU to pay these funds to such Merchant. 15. LIMITATIONS ON THE USE OF YOUR ATM CARD - • 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 withdraw'purchase up to $500 at point of Sale locations. PSECU reserves the rnSinl !0 reeuca this Gaily Ii n.t at any tire. In !hc event that your daily imt :s less than $500, PSECU -riil advise ycu o' the ew I mdatior. Thr= any 'or withdrawal limits starts at 12 midnight Bach day and en<IS nt 12 r, ,.inlgh:Ira next day. For security purposes, there are also certain daiiy Iim,tat,ons on the frequency of use of the ATM CARD. Hov.over, these lirn'tatiors are not revealed for security reasons. The Pennsy!vania State Employees Credit Union is not obliged to maintain such limitations. You will be denied use of your ATM CARD if you exceed the daily withdrawal/purchase limit, if you do not have adequate funds available in your account, do not enter the correct Personal Identification Number (PIN), or exceed the frequency of usage limitation. The receipt provided by the STAR SYSTEMS or PLUS SYSTEM ATM or Merchant terminal will notify you of the denial. There is a limit on the number of such denials permitted. Attempts to exceed the limit will result in machine retention of our ATM CARD. The number of attempts that result in machine retention is not revealed for security purposes. 16. ERROR RESOLUTION PROCEDURES - • ATM, ACH and SST - In case of errors or questions about your transactions: Direct inquiries to PSECU at (800) 237-7328 Nationwide, TDD (800) 472- 1967 Nationwide, (717) 777-2100 in Harrisburg, or write PSECU at: Pennsylvania State Employees Credit Union, P.O. Box 67013, Harrisburg, PA 17106-7013, as soon as you can if you think your statement or receipt is wrong, or if you need more information about a transaction listed on, the statement or receipt. PSECU must hear frorn you no later than 60 days after it sent you the first statement on which the problem or error appeared. You must provide the following information: (a) 'Your name, account number, and ATM CARD number (if a ATM transaction), or reference number (if Self- 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 orally, you must send your complaint or question in uniting within 10 business days. PSECU will tell you the results of the investigation within 10 business days for STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE TELEPHONE, or DIRECT DEBIT/CREDIT TRANSACTIONS, or 20 days 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 days 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. If PSECU does not 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 copies of the documents PSECU used in the investigation. If 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 (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). 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. It you doubt the safety of a particular location, choose another ATM. • If the ATM has an entry door, close the door prior to Wtaiing 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: you may call the New 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. C to to, Z 4 ?x 00 cx, S n ff+w~ 43 vI C Q W Z al 01 Y.9 Xy uti - z coy ° G= mss' Q o a- ? ? ° o t, o o o v'? ; °4?r?oc:c.'aco ? .. o ? c •. E o? o a .• ? e - n X P P ° w ? C ° - 1E •('s of ?; S. Prt ?c'o -58)i^N G Gr g L J _v ? ; - fi ti O ._ L •? C - R 3] `-? C. V O O O O _ - ;? 3 ¢ '?;-O>? ? ??g ?u '? u? m vat, ^._ x>•onn _ c^ j C ?? N L O C 7f_D ?_ ?'. ? O Y Y y: c E d;~ L < W ..)V U ? .'. C U,L •' y `. W 3 ? ? ?, t Y Y o; 3 Y' ° ?-n Y-??? Y N- d -a` C - 1. ?`J+l o a p p CJ 22 .r m ° 0 :% v.r. 3 0 ? c V m4 t t° n a? -? `c'6' og25258???? ? 0j+°J YOU 41 -.G. `L O..q.? li =? 0? "?? >--??y ? E YOOPtGn ?)NYC1 tV8 E -? C 2W v u u p :: o n° c4 j?lAaO ?.d .?° ti dp 1G1EU0 V ° Z< 'L?Cv SpK' N maO a00 CCy,? ?0t?. 0Q0.- ?Ya°= fc.?s `; *_?o '-?° ,? Eke G?o?yvb v oE252i c?•25 p Q9' c ;? .? $.5 °W n 0 2" 3 t c o•??.o .•iT nN?? ?E.°pO. p't .? _ y°yYa Q?m.c D pt' y o-?"? ??e aT $.q t°? "O.VO- 3 JL?J u?Q}Ci o_ C 2C y]V1 S` p?° _G C a.p G ?i ?]'= p c l? c .9 E Ao ° c= 1° c 0 O -3 ?- j > y o `q a °.L 2-0. E uay'`Y?ro??{pd g1 ° 'nc-i Y u wE E°m°?V- Gi. u 0ac"F `v FUV YV$ b° o°e° `"'V.=St€ dip c c ? pp ? c ? w c c c-( d ? m .t •£ ?.,y?,y ? y0 .Y .f •3 H tC1 ? u S Q 0. ° c c °?i S ?a y g hoc gg?o-ac ?o = oc> 0 00 `p v mxV e - c£ E-. ` 2:2 3=v id ---- ---- ?m 8 $'?.2 '? Q aCa s ? o1i a y?.E ? .?? ? r_ •F ?? ° y,?' s S ?S ? ? "a 5 0 5 0 `' p@ .g ,? . >. s `y- "oy U a U o i? C. 0 0 Y E(o? aY am?d`?ENp Ct 0'G?.q °A?mJ pV G?J ?p ??'Vvl.1 ?C EO B? 4 o t^-a3 's °L S ° a P a N 3 •v` c Rn `i 0' o o Q B.S?3 myp'o°d?? q${ Ell o o? -? 2 .p_ T F $ op Y ?0 2 E7oSr?rri °2S p aL Syyr ?Y 'L 3pp pmbrn ?V°z 0 ?m ? r EQq pysy?= ?G a a O G> yy D p ?i .G rn Ii N °V $ a y' Y U 6 U y'^ ,? , m N O.Y >- L.G mtawo i c qc 09 0 u C z?S =? ?9u S. -14'r - 3 m m °E??q'K"K Y ?}°?'-s ?3 W 8$$ Eig8g8$?^-25 g .c '. ??n. ° ° $ 2 k r rn.3 -4 > ..Y} a Sox r- y?S5??QQyy??????55??QQ55??5Q?p5? V go 72 -v?Y`g39.-? tp ?:-°o..Q ??' oQ cq?b ? Lpn??.5 w by23257525ri25252525t5tQ.: A m p Y.$ it ¢3 4 r G_ r RsOPO'ih•O Yi Tt')Ci? 6 A-8 u°r a m _ U o$~ 4Uo.? o ° U y ?P1= o a p ?$ iCj E? E,-n ?Jm °¢• m-2525252?boo Gao qqqq 9.2 i4 5$ p `? X o ? ,yp pE B? "? s o g g p Qq . rat-.'tl agv C?4 t"2'? °' E tY ! c a N E? j e 1! t" ?N c V 'i 00 ep" yQ = y °e ?' °" & y g or $ ,` oo- a3 ^ •ti 7,i cl - t7 e m- c ? 0 0 ? c S V ? ? .L F V ?- U ?41bo o q .4 3 m ? C m p L m 1 O p -C O p 'l x °£ z m Y G E 7 3 °- E V w • ? 0 Y y _s p _ '.. V M ? a p t - o E m f' o . o c u o ° 4>o o p 4' Y vw f ??r a J m p o ? E tQ ? ? u a _m c ? J s - -6 g V a' E?o o 28A $o'?°-' a Anna j ^ er NNU ANNA NNt/tlT NNNLyI N 4>a7N V O' E z Co 0 .nNNN w a c ? .. c ff w V c ` b S °vvb '"Off c Y y ; b; ry O, p N V tl Y ." 1 t O N• m Y tl tl M m m m m N N N c4 .- V y y 0_ V b. b ' pp yp .p .p .p pp h u1 N /? ' A .pt GTE .p p. .I S . ? ? M I J ? O Mmmm1 ???.?ppp1 ?N? ? O w? N ? QN ? ? n ?? QQ_ p QQ QQ 15?2:SL'fZS?R Q_ QQ_ Q QQ QQ yy ?j B?iZf?4fi??i Roo ? {Q y 30? ? $ $ 0 C N m u ' o Nqo N n N ` ? p m ¢ c a. N E O L V ?j W m W U V V V ° ?? 0 0 0 ?? T Q ° .n _° m obb66 `o? 2i6o' o O a ` a°g6 moo c0 52ioo 1 1 ????, w_ p dbB J c ? A ^ . 2 St > - N n . n t ? ° E V ?i P p? p S^ y 1 U t?n p }? S W ? E N.O n N ? v [ Cq, T E J p [S3 J V q J ?q ° p ry q 0 0 0 ???]•] z p i g > ' ?? ry 0 0 0 U J ? ? • ? C ¢ [p ..}} f (0p f? ?M nr NHNw p v y? , ?NM w Mw Y 3 ? N V $ £ C N .rr z ? i L Y L N y U C OV N v?- m c ? m o bQQ f E ? c o ggn $3 mbm . p G 0$ C E 4 c sus ,t% n D G r p a v Eq ? E U ° Y 4 ° o?v 0 >S a =?E ?_ ° ° L $ y. V T°i J ? .? o u ? Ya ?y m Yy _ ? v ° G aC ? z l? O ? v v ?-o o- v u 3 y° c v ' c= o u a -a ^ J J d a O u d 0 0 y v° a C_ wu ,? V G1 c J •_ ^ v v ?- oQ E v t v °_ a ° U s E `y y v ti O D c C, 'u ° C' o 0 0 11 0 p 3 u > o o r ^i P o n ° -G ?- - ? z d a ° H o v c `c F= ? o=M = v im> e c 3 ;,-0 w0 u o ° o ' ^ -o E o _ 'c o o V ; N ; u 0° E v o E .? y ' ti 11 0 c v J l: -j O ?j C C T V 5T ° a C ° N V u N J a v0 v c c g `° o o '% a E v o n > p E ^_ C O i al -D ° ',•- -? "' N a 1 ." co 7 v O ^1 - M C) C j O v N _- J w - O ^) U V = U -J p O = J5 U c O m0 O v c D J 7, > c v U v '_^ y 1] c CJ J N j a) J 7 C 9 G 0 0 V E V j `r J C J O N 3 ° ° s -p m < s E c n o c' m° m? ° 0 v E U a) o; c J o ° ur c> w c E'°$ -c v o a w E v rn p v a c .? > o C" u 0« y N -? O> a) Q) ?" ° H a y Qt H C7 O= UG C N `??. v U+= J O Y- ^j O "a L c ; J y O apj ^ 8 w- t .? = V 3 0 0° U U "a E O a v o y> C L .` -, Y a1 E j o 0 ?° c -10 o° y 0 u?) o C' E 0 ?n v n c n 0 co c -> 0°; ?v E o' ' `o x o v g$ a o t y° o Q c `° s x 2-5 °' p y -° p$ .y v y .? x v M o vac ,v o ?a a U 6 o 0 ` 00 m$ U c_c oU?i y c d 0 M 1L- a- c 0 0 -_ 0 0° c? v ? a-C -0 a- -0 c 0 y m> Fl a- `( y al v L v V 0 0 0 = o c J 7) U ?0 E o$ ?'E v>? ° m o p o N a cam k C? H? y v m 3 2 v'o a -E e w O w d „ 0) 0) G 0 0 ° v 0 o L o -0 1 s o- o U E y v 0 c 0 a ° •m v° -= v c- w` v y .c 0 0 n 0 ° o 0 0 o v y° 'o m o 0 c v v o 3 > 0- E - s V y 0 a 0 ° a v > y `c v s° 0 y c° E '3' c v o c Q c L tL ,0;o E o 0 - O7? E E O J C y >- ° o v 0 o Og ?? ?L $ `o oL d°g oa o'od c Ns aw ??_ 2? 20 E n a m `c i c co g 3 0 ° air °c E o v o y>' p o a _ _ ° ?> 'o m v- o o a x ° .Q .E C c o 3 o `x ; a o o rn 3 H£ o° c°p Z c ° c 0 ° m; E m c c -' .? y E a c E3 v `c r' f t E a $ c U c .? a s w = J6 w0 c 0 U-N -D j O U C O- L O al v V- O c a/ al E A v . w - O W y O N O y u V= E° V 0 y c> ° v v u, ?[ H L 0- `c y -V u 4; a C; " p ?I C N 4. 4.' L 9 5 p 7 y C L W O y .E G ,C v N ?. u .9 al s y°? U° m w v~' o v o z -Q v E s ac E m o c 01 d 3 r L N v a aC c o s d E o T _ ?, m o c m r 5 m a 0 s v E r v u v v c c of o U U° 'c y o o y °-v v o y> S d y vL° E v v0 E v ov z c- a s -c O c a .5 E N i. 0 -Si OG r? 'D a t s u O 8 v 1n F O v -E 2 v 0 J V i `. o M o V/ N ar U ?a A O Nis n ^ C ? N n ? 0 c O c a u n ? m m O j ? w V 1m? ? c ? 0 $ TO D ro g 1-5 n ? 0C4 ?cC?o2$ 8op'`CMJ CU C Lin Cv O>. 13 a N$??a wccCwxc3E Oga?oEEb C`=?v or, ,o?E E.? o0 a?$ c.5 v o V ??E°os$? T1 C O V'7 - .G U Q m T 0 oVE'0 0 .C d ? Y - U C, ..o 'm p a 4 O OL ? ? y t nc V- o 0 ? C E ..C 0 0 -0 ooEo y a = o -0 AL C N?0 N> O L uQ m0 V 0 0? 0r > [l { U O O 3s?'^? JaUt C> 0 OS y (A,I .?71L 0" G 2 H O O '2 - E. > 1 $ J 0c ?o-.-L 3 0 n o% v V? 0 OLL y'L KM; y ] 1 p 11 C0 OOV >. ; C bvi Eo.o ° 7 p_O• ti0_C U 31?'?,yO?1-- L"v o r ? •r 0 :i m n E a; ?,N c. ;- S N ? ? i? L ? 2 0 Q0 E L? c f v` O` 0 O o i j C ^ L lO.st N ? ?? COw C VV ,C '? O b c 0$ j$ cc1 E EN ?rv a cp `^ O - N 8 Q vac}t, .$? eN a cEEgv? 'i CUM go E E -2 ; pp ??,, w `c S E O mpEo .°Es v c? c m v o 0 $„ me J c V a C °p ppC C_ d 0 . - E J o rna ? o c'r CO N m u p pp rn 4 O C p=Nm y Z. 7 01 n C O C C L O ?E c op N 0 E. t0 C' U O Gw c OVN-. V R r O L v 0 O q Oh C N w p. {4U1_ - ? m = o 2 0,-a C C U.[ t U O « C O ?oc-c E. S O v a y o hOC00 rP WOD`O 10 NK 'D 7QQ'V'VV V OOQQ4411 040000 0 0 P?NMV1r PPOPP N a d v -M`OMNO ?yJ PW`O U7QM 7 ?-J ^hhhl'?1? 0 ?Q71 N 000000 U rNMQNO O O O O O O r D -P PMC010 ? O.-rl. Q010 r NmQ M N Q N Q V NNN N y 000000 O 0 3 NMVU'1 `O ? MMMMMM .L c 0001"hOO u? OOOONP a HI OOO M'Oh c ?CII OOON1n 1n a 000000 C y -.-NMQ1n'O U_ 4 v1 N QMWWNNN r Qp: O O P'Or co NO h • h r O 2222-- QMM 2!22 000000 000000 O;c4 MQNO hm 0101010-2 000000 01ANNNh r? O1ONYIQ MMMMMC') 000000 PO?NMQ NloMholo VMMNN?- M^MM^M oodooco ?? aOPO 10002fl,W Inm QM0M MMOIO?IIP 0?7V'hmM r 0OP'O0 QM N?-OO Wh'ONQM mn n noo P hrh`O-mom 2 ?2 ?2 -2 2 N1n V1 v11nu2 vl.. v110vv 000000 000000 000000 000000 hmPO?N MQmon.m POrNMQ 1nlcrnWPO O O Ohhn hhrINNN NWWWWW mmmmmP NOOVMO N1nPV LOCO NOlomom InNOIN1nN M MNNN."- 0000 NNNNNN NNNNNN 000000 000000 ha]POgN f)7 Io or oo MMMQQQ QQQVvv ?Nu7,Oh Q0 co Ovco OPPPPP 000000 PO.-NMV QV)NLn 101n 0. m co r?wo. mhN MNO mmWmWm 000000 vl l0 h cool o un u) 1n NNd NOVh Pv vMmm ON -MMO Nr?O•MO V' hr.Om01n ,°N mvvv vvhm?Vl Wes; In h? MOmV1QN OPr IOU)Q MN-OOP Wmhh 10 'O 1n 1AQQ VQ vM MMMM MMMMMN NNNNNN 000000 000000 000000 000000 hmPO -N MQ NCO Ism PO?-NMQ nor, mPO --N(v NNN NNNNNM r w o a ?, nr =° GIN F") SHERIFF'S RETURN - NOT FOUND CASE NO: 2008-02263 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND PENNSYLVANIA STATE EMPLOYEES VS TRAN SANDRA R. Thomas Kline Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT TRAN SANDRA but was unable to locate Her in his bailiwick. He therefore returns the COMPLAINT & NOTICE the within named DEFENDANT 1713 HUMMEL AVENUE APT 1 CAMP HILL, PA 17011-5530 TRAN SANDRA NOT FOUND , as to PER POST OFFICE, DEFENDANT MOVED AND LEFT NO FORWARDING ADDRESS. Sheriff's Costs: Docketing 18.00 Service 30.00 Not Found 5.00 Surcharge 10.00 .00 63.00 So answee..-- R. Thomas Kline Sheriff of Cumberland County VAN ECK & VAN ECK 05/08/2008 Sworn and Subscribed to before me this day of A. D. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff VS. . SANDRA TRAN Defendant NO. DS - aQ(o3 0'i\A_1Wer*A 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 S. Bedford St. Carlisle, PA 17013 (717) 249-3166 (800) 990-9108 1'*bJ'L COPY FROM RECORD in Teshmony whereof, there uMo set my hand d ale a" of said at Wisle, Pa. Document #: 180057.1 EN LA CORTE DE ALEGATOS COM UN DEL CONDADO DE CUMBERLAND, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES NO. CREDIT UNION, Plaintiff . VS. SANDRA TRAN Defendant CIVIL ACTION -LAW AV I S O PARA DEFENDER Conforme a PA Num. 1018.1 USTED HA SIDO DEMANDO/A EN LA CORTE. Si usted desea defender conta la demanda puestas en las siguientes paginas, usted tienen que tomar acci6n dentro veinte (20) dias despu6s que esta Demands y Aviso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando por escrito con la Corte sus defenses o objeciones a las demandas puestas en contra usted. Usted es advertido que si falla de hacerlo el caso puede proceder sin usted y un jazgamiento puede ser entrado contra usted por la Corte sin mss aviso por cualquier dinero reclamado en la 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 S. Bedford St. Carlisle, PA 17013 (717) 249-3166 (800) 990-9108 Document #: 180057.1 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff VS. SANDRA TRAN Defendant NO. CIVIL ACTION -LAW COMPLAINT AND NOW, comes Plaintiff, Pennsylvania State Employees Credit Union, by and through its attorneys, Van Eck & Van Eck, P.C. and states the following cause of action and in support thereof, avers as follows: 1. Plaintiff, Pennsylvania State Employees Credit Union, is a financial institution qualified to conduct business in the Commonwealth of Pennsylvania with offices and/or a place of business situate at 1 Credit Union Place, Harrisburg, Dauphin County, Pennsylvania. 2. Defendant, Sandra Tran, is an adult individual with a last known address of 1713 Hummel Ave., Apt 1, Camp Hill, PA 17011-5530. 3. Defendant is, and at all relevant time material hereto has been, the primary loan applicant. 4. 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 "A". 5. The application submitted by Defendant was approved by Plaintiff. 6. 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 Document #: 180057.1 Credit and Security Agreement is attached hereto, incorporated herein and marked as Exhibit «B>, 7. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms and conditions of the Contract marked as Exhibit "B". 8. Various charges and payments were made by Defendant on the account. 9. Defendant has defaulted on the loan by failing to make timely and regular payments. 10. The last payment made by Defendant was on May 28, 2006. 11. Defendant is required under the contract to make regular and timely payments. 12. Plaintiff has maintained a statement of account keeping an accurate and running amount of debits and credits made on Defendant's account. 13. Plaintiff has submitted to Defendant a copy of the statement of account accurately showing all debits and credits for transactions with Defendant. 14. Defendant has not objected to any of the monthly statements of account submitted by Plaintiff to Defendant. 15. Despite Plaintiff's reasonable and repeated demands for payment, Defendant has failed, refused and continue to refuse to pay all sums due and owing on Defendant's loan account balance, all to the damage of Plaintiff. 16. As of April 9, 2008, the balance due, owing and unpaid on Defendant's loan account with Plaintiff is the sum of Eight Thousand Seven Hundred Fifteen Dollars and 54/100 ($8,715.54). Document #: 180057.1 17. Pursuant to the terms and conditions of the extension of credit contained in the Contract, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest charge on the principal loan balance. 18. Due to the default of the Defendant and pursuant to the terms and conditions of the Contract attached as Exhibit "B", attorney's fees in the total amount of One Thousand Seven Hundred Sixty-Eight Dollars and 11/100 ($1,768.11) have been added to the account. 19. Any and all conditions precedent to the bringing of this action has been performed by Plaintiff. 20. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. Document #: 180057.1 WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, respectfully requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant, Sandra Tran, in the amount of Ten Thousand Four Hundred Eighty-Three Dollars and 65/100 ($10,483.65), plus interest, the costs of this action, and such other relief as the Court deems just and proper. Respectfully submitted, VAN ECK & VAN ECK, P.C. By: Melissa L. Van Eck, Esquire Attorney I.D. No. 85869 P.O. Box 6662 Harrisburg, PA 17112 717.540.5406 Document #: 180057.1 VERIFICATION I, Gregory R. Diffenderfer, 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 unworn falsification to authorities. Pennsylvania State Employees Credit Union By: i_ A?-- Title: IL h Q 44,a!Q e- s`.. Date: ? -a ~OV Os6i SIGNATURE LOAN ACTIVATION NOTICE April 21, 2005 Applicant Information: SS #: Applicant: SANDRA TRAN Ref #: 450613 309 Work Telephone M Approval Amount: $10,000.00 Home Telephone #: Account Number. 12958 Signature: I acknowledge receipt of the PSECU LQANLRM Disclosure an¢ Credit Agreement and agree, be bound bt*&terms set?fith in said agreement. Signature of SANDRA TRAN D to SIGNATURE LOAN OPTIONS Purpose-- Please select one of the following Signature Loan disbursement options: Send a ? check, or I? deposit to my Share 4 (MoneyHandler/Checking Shares) Please select one of the following Signature Loan repayment options: ? Payroll Deduction 1°l Automatic Transfer ? Direct Payment ? Homebanldng ? Self Service Telephone ? Coupon 4 "? ? djxQ- 6cs, (34 PSE00 8T. 8QQARE 69049R ZO Z 'Wa 9Z Nag S902 SCANNER ?B" E??'? ?? ?. Pennsylvania State Employees Credit Union P0. Sox 67013 • Harrisburg, PA x7106-7013 t (717) 234.8484 Harrisburg, (80U) 237-7328 Nation.vide PSECi# ttefrnanciallinka Loan Disclosures ! This LOANLINEW Credit and Security Agreement, which includes the Truth in Lending Disclosures, will be referred to as the Plan. The Plan documents include this { agreement and an Addendum. You, your and borrower mean any person who signs the Plan. Credit union, we, our and us mean PSECU or anyone to whom the Credit Union transfers its rights under the Plan. HOW THIS PLAN WORKS - This is an open-end, mufti-featured credit plan. We { anticipate that, from time to time, you will borrow money (called 'advances") under the Plan. We are not required to make advances to you under the Plan and can refuse a request for an advance at any time, The Addendum describes the I different types of credit (called "subaccountsl available under the Plan, the current interest rate for each subaccount expressed as a daily periodic rate and j corresponding annual percentage rate and other charges. It may also have other f terms and a schedule for determining the payment amounts. CREDIT LIb11T - We may, but do not have to, establish a credit limit on certain subaccounts. If a credit limit is sat for a subaccount, you promise not to exceed the t established credit limit. If you exceed the credit limit, you promise to repay I immedlately the amount which exceeds the credit limit. i REPAYMENT - You promise to repay all amounts you owe under the Plan plus j interest. Payments are due on the last day of the month unless we set a different day at the time of an advance. If the Addendum has no payment schedule for a subaccount, your payment will be determined at the time of each advance. ( Payments must include any amount past due and any amount by which you have exceeded any credit limit you have been given for a subaccount. You may repay all j or part of what you owe at any time without any prepayment penalty. Even if you prepay, you will stiff be required to make the regularly scheduled payments unless I we agree in writing to a change in the payment schedule. If you have a joint sharedraft account, you will be responsible for paying all overdraft advances obtained by a joint holder of the sharedraft account. Unless otherwise required by j law, payments will be applied to amounts owed under the Plan, In the manner the i Credit Union chooses. t PLAN ACCESS -You can obtain credit advances in any manner authorized by us. if we allow you to use your ATM/ Debit card to access the Plan, you may be liable for the unauthorized use of your ATM/Debit card. You will not be liable for unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft, or possible unauthorized use. If you believe your ATM/Debit card has been lost or stolen, immediately inform the Credit Union by calling or writing us at the telephone number or address that appears elsewhere in the Plan. If the card is used to obtain unauthorized j advances directly from the Phan, your liability will not exceed $50. If the unauthorized withdrawal is from a sharedraft account, your lability is governed by the Regulation E disclosures you received at the time you received your ATM/Debit card, evert ff the withdrawal results in an advance being made from your overdraft subaccount. FINANCE CHARGE - The dollar amount you pay for money borrowed is called a 'finance charge" and begins on the date of each advance. A finance charge will be computed separately for each separate balance under the Plan. To compute the finance charge, the unpaid balance for each day since your last payment (or since an advance if you have not yet made a payment) is multiplied by the applicable daily .periodic rate. The sum of these amounts Is the finance charge owed. The balance used to compute the finance charge Is the unpaid balance each day after payments and credits to that balance have been subtracted and any additions to the balance have been made. In addition to interest, we may charge other finance charges which M are disclosed on the Addendum. If the Interest rate is a variable interest rate, the Addendum explains how the variable interest rate works. I SECURITY - You pledge as security for the Plan all shares and dividends and, it ally, all deposits and interest in all joint and individual accounts you have with us now and in the future. If a speck dollar amount is pledged for an advance, we will freeze shares in that account to the extent of the outstanding balance for the advance. Otherwise, you pledged shares may be withdrawn unless you are in f default. The following paragraph applies In all states except in Ohio, Rhode Island and Massachusetts: We have a statutory lien on the shares and dividends and, if any, the deposits and interest in all individual and joint accounts you have with us and may exercise our rights under the lien to the extent permitted by state law. (We are state chartered if our name does not include the term "Federal Credit i Union.") For all borrowers: The statutory ffen and/or your pledge will allow us to apply the funds in your account(s) to what you owe when you are In default. j The statutory lien and your pledge do not apply to any individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given as security. Additional security for the Plan may be required at the time of an advance. If a { subaccount identifies a type of property (such as "New Cars") you must give that type of property as security when you get an advance under that subaccount. A subaccount name such as `Other Secured" means you must provide security acceptable to us when you obtain an advance under that subaccount. Property you give as security will secure all amounts owed under the Plan and all other loans you have with us now or in the future, except any loan secured by your principal dwelling. Property securing other loans you have with us may also secure the Plan. { CREDIT INSURANCE - Credit life and/or credit disability insurance is opt;onal under the Plan. If you qualify for and purchase the insurance from us, you authorize { { us to add the insurance premiums montnly to your loan balance and charge you I I i -t C;;r.A AILTi2AL GPCUP 1980. N. 84. c& 89 93. 99. 2Cr;0 G!, G2. 03 04. 05 Alt :. GHIS nESE'n7E interest on the entire balance. If you elect credit insurance, your payments may increase or the period of time necessary to repay your advance may be extended. The credit insurance rates may change during the Plan. If the rates change, we will provide any notices required by applicable law. PERIODIC STATEMENT-On a regular basis you will receive a statement showing all transactions under the Plan during the period covered by the statement. Statements and notices will be sent to you at the most recent address you have given us in writing. Unless applicable law requires notice to each joint borrower, notice to any one of you will be notice to all. JOINT ACCOUNTS - if this is a joint account, each of you Is individually and jointly responsible for paying all amounts owed. That means we can enforce our rights under the Plan against any one of you individually or against as of you together. lt you I give us Inconsistent instructions, we can refuse to follow your instructions. Unless our written policy requires all of you to sign for an advance, each of you authorizes the J other(s) to obtain advances individually and agrees to repay advances made to the 1 other(s). Any joint accountholder may terminate the Plan by giving us prior written notice. If any of you terminate the Plan, the Plan is terminated for all of you. You remain liable individually and jointly for all advances incurred before termination. FEES AND CHARGES - It you give us a security interest in certain types of property, we may charge you a filing fee to perfect our interest In the property. If we do, the amount of the fee will be disclosed to you at the time you obtain an advance. We may also charge you other fees in connection with the Plan. Our current tees are disclosed on the Addendum and will be added to your loan balance unless you pay them in cash. UPDATING CREDIT INFORMATION -You promise that you will promptly give us written notice It you move, change your name or employment, or 0 any other information you provided to us changes. Upon our request, you also agree to provide us updated financial Information. DEFAULT - The following paragraph applies to borrowers In Idaho, Kansas, Maine and South Carolina: You will be In default it you do not make a payment of the amount required when it Is due. You will also be in default if we believe the prospect of payment, performance, or realization on any property given as security is significantly impaired. The following paragraph applies only to borrowers In Wisconsin: You will be in default if you tail to make a payment when due two times during any 12 month period. You will be in default it breaking any promise made under the Plan materially impairs your ability to repay what you owe or materially impairs the condition, value, or protection of or our right In any property you gave as security. The following paragraph applies only to borrowers In lows: You will be in default if you are more than 10 days late in making a payment. You will also be in default if you do not comply with the terms of the Plan and your failure to comply materially impairs any property you gave as security or your ability to repay what you owe under the Plan. The following paragraph applies to borrowers In all other states: You will be in default if you do not make a payment of the amount required when It is due. You will be In default if you break any promise you made under the Plan or K anyone Is In default under any security agreement made in connection with an advance under the Plan. You will be in default if you die, file for bankruptcy, become frtsofvent If you make any false or misleading statements in any credit application or update of credit information, or if something happens we believe may substantially reduce your ability to repay what you owe. You will be in default if any property you have given us as security is repossessed by someone else, seized under a forfeiture or similar law, or if anything else happens that significantly affects the value of the property or our security interest in A. You will also be in default under the Plan it you are in default under any other loan agreement with us. ACTIONS AFTER DEFAULT - The following paragraph applies to borrowers in Colorado, District of Columbia, Iowa, Kansas, Maine, Massachusetts, Missouri, Nebraska, South Carolina and West Virginia: When you are in default and after expiration of any right you have under applicable state law to cure your default, we can demand immediate payment of the entire unpaid balance under the Plan without j giving you advance notice. The following paragraph applies to borrowers In all other states except Wisconsin iII and Louisiana: When you are in default, we can require immediate payment I (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. The following paragraphs apply to borrowers In all states except Wisconsin and Louisiana: 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 or, if applicable, at the default rate disclosed on the Addendum. If a demand for immediate payment has been made, your shares an&or deposits can be applied towards what you owe as provided in the section above called `Security' We can also exercise any other rights given by law when you are in default. You agree the Credit Union has the right to take possession of any property given as security under the Plan, without jt:dlcfat process, it this can be done without breach of the peace. If we ask, you promise to deliver the property at a time and place we choose. If the property is a motor vehicle or boat, you agree that we may CPsk1Qt PSECU FORM r3i48 JSXX0601-2 037-2092.1 (3105) LOANLINER' Credit and _Security Credit Agreement (continued) The following paragraphs apply if you give security In connection with an obtain a key or other device necessary to unlock and operate it, when you are in default. We will not be responsible for any other property, rot covered by this advance under the Plan.They apply to borrowers in all states except Louisiana. Louisiana borrowers will execute a separate security agreement. Borrowers in Agreement, that you leave inside the property or that is attached to the property. We other states may also be asked to execute a separate security agreement. will try to return that property to you or make it available for you to claim. THE SECURITY FOR THE PLAN - You give us what is known as a security Atter we have possession of the property, we can sell it and apply the rroney to any interest in all property described in any receipt, voucher or other document you amounts you owe us. We will give you notice of any public disposition or the date after wnich a private disposition will be held. Our expenses for taking possession of and receive for an advance ("the Advance"). The security interest you give includes all accessions. Accessions are chinas which are attached to or installed in the property seffing the property will be deducted from the money received from the sale. Those now or in the future. The security interest also includes any replacements for the costs may include the cost of storing the property, preparing it for sale and attorney's fees tdthe extent permitted under state law or awarded under the Bankruptcy Code. property which you buy within 10 days of the Advance or any extensions, renewals or refinancing of the Advance. It also includes any money you receive from selling You must pay any amount that remains unpaid after the sale money has beer applied the property or from insurance you have on the property. If the value of the property declines, you promise to give us more property as security it asked to do so. to any unpaid balance under the Plan. You agree to pay interest on that amount at the same rate as the advance, or, if applicable, at the default rate disclosed on the WHAT THE SECURITY INTEREST COVERS/CROSS COLLATERAL PROVISIONS Addendum, unlit that amount has been paid, The security interest secures the Advance described in the receipt, voucher or any I t The following paragraph applies only to Wisconsin borrowers: When you are in other document you receive at the time of the Advance and any extensions, renewals or refinancings of the Advance. It also secures any other advances you have now default and after expiration of any right you have under applicable state law to cure your default, we may require immediate payment of your outstanding loan balance under the or receive In the future under the Plan and any other amounts or loans, Plan and seek possession of property given as security. You may voluntarily give the j 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 property to us if you choose, or we may seek to take possession of the property by judicial process. If we repossess the property, you agree to pay reasonable expenses goods as defined by the Federal Trade Commission Credit Practices Rule, the incurred in disposing of the property. If the property is a motor vehicle, mobile home, property will secure only the Advance and not other amounts you owe. trailer, snowmobile, boat or aircraft, you will also be required to pay any costs permitted OWNERSHIP OF THE PROPERTY - You promise that you own all property you by Section 422.413 of the Wisconsin Statutes. You must pay any amount that remains give as security or if the Advance is to buy the property, you promise you will use unpaid after the sale money has been applied to what you owe under the plan. You the Advance for that purpose. You promise that no one else has any interest in or agree to pay interest on any unpaid amount at the same rate as the advance, or, if claim against the property that you have not already tofd us about. You promise not applicable, at the default rate disclosed on the Addendum, until that amount is paid. to sell or tease the property or to use it as security for a loan with another creditor It the property is located outside Wisconsin at the time of default, we may take until the Advance is repaid. You promise you will allow no other security interest or hen to attach to the property either by your actions or by operation of law. possession of the property without judicial process, if permitted by the state where the property is located. PROPERTY INSURANCE, TAXES AND FEES - You must maintain property The following paragraph applies only to Louisiana borrowers: When you are in default, we can require immediate payment (acceleration) of the entire unpaid insurance on aft 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 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 Union. The amount and coverage of the property insurance must be acceptable to us. You may provide the property insurance through a policy you already have, or 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 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. Addendum. H a demand for immediate payment has been made, the shares and If you cancel your Insurance and get a refund, we have a right to the refund. If the deposits given as security for the Plan can be applied towards what you owe. We property Is lost or damaged, we can use the insurance settlement to repair the can also exercise any other rights given by law when you are in default and our property or apply it towards what you owe. You authorize us to endorse any draft or rights under any security agreements you have with us. check which may be payable to you to order for us to collect any refund or benefits CANCELLING OR CHANGING THE PLAN - The following paragraph applies due under your insurance policy. You also promise to pay all taxes and fees (like registration fees) due on the property wily to borrowan In Illinois: We have the right to change the terms of the Plan from . time to time after giving you any advance notice required by law. Any change to the If you do not pay the taxes or fees on the property when due or keep ff insured, we may interest rate or other charges will apply to future advances, pay these obligations, but we are not required to do so. Any money we spend for texas, The following paragraph applies only to borrowers in Wisconsin: We can lees or insurance will be added to the unpaid balance of the advance and you wit pay change the terms of the Plan from time to time in accordance with Section 422.415 interest on those amounts at the same rate you agreed to pay on the advance. We may of the Wisconsin Statutes. You will be notified of any change in terms. An Increase in the daily periodic rate under a variable rate interest rate is not considered a 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 change in terms under the Plan. We can cancel the entire Plan or any part of the other borrowers have compiled with the insurance requirements of our loan agreements Plan at any time. You may cancel the Plan at any time by giving us prior written or may engage others to do so. The insurance charge added to an advance may include notice. Your obligation to pay the unpaid balances under the terms of the Plan continues whether you or the credit union cancel the Plan, except to the extent that (1) the insurance company's payments to us and (2) the cost of determining compliance with the Insurance requirements. If we add amounts for taxes, fees or insurance to the your liability is limited by Section 422.4155 of the Wisconsin Statutes. unpaid balance of an advance, we may increase your payments to pay the amount The following paragraph applies only to borrowers In town: We can change the rm f th t Pl f ti ft i i ti b added within the term of the insurance or approximate term of the advance. INSURANCE NOTICE - It you do not purchase the re uired ro ert insurance e s o rom er g e an me to me a v ng you any advance notice required y law. A change that increases the rate of finance charge or other charge, that q p p y , the insurance we may purchase and charge you for wilt cover only our interest in the increases the amount of your payments, or that otherwise adversely affects existing Property. The premium for this insurance may be higher because the insurance balances will apply to existing balances only if you agree to the change or you use company may have given us the right to purchase insurance after uninsured the Plan after receiving notice that your use of the Plan means you agree the collateral Is lost or damaged. The Insurance will not be liability insurance and change applies to existing balances. will not satisfy any state financial responsibility or no fault laws. The following paragraph applies to borrowers In all other states: We have the PROTECTING THE SECURITY INTEREST - if your state issues a title for the right to change the terms of the Plan from time to time after giving you any advance property, you promise to have our security interest shown on the title. We may have notice required by law. Any change in the interest rate will apply to future advances, to file what is called a financing statement to protect our security interest from the and at our discretion and subject to any requirements of applicable law, will also claims of others. 11 asked to do so, you promise to sign a financing statement. You apply to unpaid balances. also promise to do whatever else we think is necessary to protect our security The following paragraph applies to all but Wisconsin borrowers: An increase in interest in the property. You promise to pay all costs, including but not limited to any attorney fees, we incur in protecting our security interest and rights in the property the daily periodic rate under a variable interest rate is not considered a change in terms under the Plan. We can cancel the entire Plan or any part of the Plan at any , to the extent permitted by applicable law. time. You may cancel the Plan at any time by giving us prior written notice. Your USE OF PROPERTY - Until the Advance has been paid off, you promise you will: obligation to pay the unpaid balances under the terms of the Plan continues whether (1) Use the property carefully and keep it in good repair. (2) Obtain our written you or the Credit Union cancel the Plan. permission before making major changes to the property or changing the address DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN - We can delay where the property is kept. (3) Inform us in writing before changing your address. (4) enforcing any of our rights under this Plan any number of times without losing the ability to exercise our rights later. We can enforce this Plan against your heirs or Allow us to inspect the property. (5) Promptly notify us if the property is damaged, stolen or abused. (6) Not use the property tot any unlawful purpose. (7) Not to retitle legal representatives. If we change the terms of the Plan, you agree that this Plan properly in another state without telling us. will continue to protect us. ' NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE CONTINUED EFFECTIVENESS - If any part of this Plan is determined by a court ; -' THE MOTOR VEHICLE IN THIS TRANSACTION MAY BE SUBJECT TO to be unenforceable, the rest will remain in effect, i REPOSSESSION. IF IT IS REPOSSESSED AND SOLD TO SOMEONE ELSE, NOTICE TO UTAH BORROWERS -This written agreement is a final expression of ? AND ALL AMOUNTS DUE TO THE SECURED PARTY ARE NOT RECEIVED IN THAT SALE YOU MAY HAVE TO PAY THE DIFFERENCE the agreement between you and the Credit Union. This written agreement may not I be contradicted by evidence of any oral agreement. ! , . NOTICE FOR ARIZONA OWNERS OF PROPERTY - It is unlawful for you to fail The tollawing is required by yerniont law - NOTICE TO CO-SIGNER - YOUR to turn motor vehicle is subect to a ou haveareceived notice oft default. The notice will interest, y mailed( oc the( address you SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE I gave us. It is your responsibility to notity us if your address changes. The maximum FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, ' penalty for unlawful failure to return a motor vehicle is one year in prison and 'or a fine of S150 000 THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. . 1 , .....__. .__.___-___-__._..__..__..- _J This notice contains important information about your rights and our responsibilities under the Fair Credit Bitting Act. You are advised to read your monthly statement and review it for any error discrepancies or unauthorized transactions. NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT. It you think your statement is wrong, or if you need more information about a transaction on your statement, write us on a separate sheet at the address listed on your statement. You are required to notify us in writing within 60 days following the date on which we sent your statement wherein the error or problem fist appeared regarding any discrepancy or unauthorized transactions on your aceou t. Failure to notify us may result in your acceptance of any responsibility for payment or reimbursement to us for any such error or discrepancy on your account. Write to us as soon as possible. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: Your name and account number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. it 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 must either correct the error or explain why we believe the statement was correct. In this Agreement, the words you and your means each and all of those who apply for the card or who signs this Agreement. Card means the Visa Credit Card and any duplicates and renewals we issue. Account means your Visa Credit Card Una of Credit account with us. We, us, and curs means this Credit Union. 1. RESPONSIBILITY -It we issue you a card. you agree to repay all debts and the Finance Charge arising from the use of the card and the card account. For example, you are responsible for charges made by yourself, your spouse and minor children. You are also responsible for charges made by anyone else to whom you give the card, and this responsibility continues until the card is recovered. You cannot disclaim respor ibiBty by notifying us, but we will close 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 not a party may direct you or one of the other 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 call (800) 5513-5878. 3. LIABILITY FOR UNAUTHORIZED USE - You agree 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 will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use, You will have no liability for unauthorized purchases made with your Credit Card, unless you are grossly negligent in the handling of your Card. In any case, your liability will not exceed $50. 4. CREDIT LINE - if we approve your application, we will establish a sell- replenishing Una of Credit for you and notity you of its amount when we issue the card. You agree not to let the account balance exceed this approved Credit Una. Each payment you make on the account will restore your Credo Una by the amount of the payment which is applied to the principal. You may request an increase in your Credo Line only by written application to us, which must be approved by our credt committee or loan officer. By giving you written notice we may reduce your Credit Una from time to time, or with good cause, revoke your card and terminate this Agreement. Good cause includes your failure to comply with this Agreement or any other agreement with us, or our adverse reevaluation of your creditworthiness. You may also terminate this Agreement at any time, but termination by either of us does not affect your obligation to pay the account balance. The cards remain our property and you must recover and surrender to us all cards upon our request and upon termination of this Agreement S. CREDIT INFORMATION - You authorize us to Investigate your credit standing when opening, renewing or reviewing your account, and you authorize us to disclose information regarding your account to credit bureaus and other creditors who inquire of us about your credit standing. 6. MONTHLY PAYMENT - We will mail you a statement every month showing your Previous Balances of purchases and cash advances, the current transactions on your account, the remaining credit availat4e under your Credit Line, the New Balances of purchases and cash advances, the Total New Balance, the Finance Charge due to date, and any other billed fees, and the Minimum Payment required. Every month you must pay at least the Minimum Payment within 25 days of your statement dosing date. By separate agreement you may authorize us to charge the minimum payment automatically to your share or checking account with us. You may, of course, pay more frequently, pay more than the Minimum Payment, or pay the Total Now Balance in full, and you will rid finance charge by doing so. If your monthly payment exceeds the total credit line b owed, ive will automatically post cite credit to your 31 shares. The minimum payment will be (a) 2% of your Total New Balance, rounded up next even dollar, or (b) $20.00, whichever is greater. In addition, at any time you New Balance exceeds your Credit Line, you must immediately pay the excess u After we receive your letter, we cannot try to collect any amount you question., or report you as delinquent. We can continue to send statements to you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating. but you are still obligated to pay the parts of your statement that are not in queston. If we find that we made a mistake on your statement, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your statement. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first S50 of the questioned amount, even if your statement was correct. SPECIAL RULE FOR CREDIT CARD PURCHASES - if you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations on this right: (a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. demand. We will apply payments in the following manner. first to previous late fees, then to previous cash advances finance charges, then to previous purchase finance charges, then to current late fees, then to previous cash advance balances, then to previous purchase balances in the order that they were posted to your account, then to current cash advance balances, and then to current purchase balances. 7. FINANCE CHARGES - You can avoid the Finance Charge on purchases by paying the full amount of the New Balance of Purchases each month within 25 days of your statement closing date. Otherwise, the New Balance of Purchases, and the subsequent purchases from the date they are posted to your account, will be subject to Finance Charge. Cash advances are always subject to Finance Charge from the date they are posted to your account. Purchases: We calculate your finance charge by multiplying the average adjusted daily balance (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 Addendum. Cash Advances: We calculate your finance charge on cash advances by multiplying the average adjusted daily balance (see explanation below) for cash advances during the billing cycle by the monthly periodic advance rate and corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum. Balance Computation Method Average Daily Balance for Purchases - The Average Dally Balance for Purchase Transactions is calculated by adding the Daily Balances (Purchase Transaction) for each day In the billing cycle, and then dividing by the number of days in the billing cyde. To calculate the Daily Balance for purchases each day, we take the following steps: We take the outstanding balance (all amounts you owe) at the start of the day. Then, in the sequence in which amounts are posted to your account, we add the amounts of all debits and subtract the amounts of all credits or payments which post to your account that day. After applying payments and credits, we subtract the amount of any unpaid Finance Charges or Late Charges. Then we also subtract the amount of any Cash Advance transactions that posted to your account on that day or in any previous day in the billing cycle. This gives us the Daily Balance for purchases. Average Daily Balance for Cash Advances - Cash Advance Transactions which are posted to your account are not included in the Average Daily Balance calculation for purchases, and are therefore not subject to the monthly periodic rate for purchases. The Average Daily Balance is calculated separately for Cash Advances and is subject to the Cash Advance Monthly Periodic Rate. The Average Daily Balance for Cash Transactions is calculated by adding the Daily Balances (Cash Transaction) for each day in the billing cycle, and then dividing by the number of days in the billing cycle. To calculate the Daily Balance for cash each day, we take the following steps: We take line outstanding balance (all amounts you owe) at the start of the day. Then, in the sequence in which amounts are posted to your account, we add the amounts of all debits and subtract the amounts of all credits or payments which post to your account that day. After applying payments' and credits, we subtract the amount of any unpaid Finance Charges or Late Charges. Then we also subtract the amount of any Purchase Transactions that posted to your account on that day or in ary previous day in the billing cycle. This gives us the Daily Balance for Cash Advance Transactions. Note: Cash Advances are always subject to finance charges and from the day they are posted to your account Payments are applied in the following manner: first to previous late fees, then to hen to current late fees, then to previous cash advance balances, then to urchase balances in the order that they were posted to your account, then cash advance balances, and then to current purchase balances. Credits ash advances finance charges, then to previous purchase finance first to the particular typo of dent which is ooing credited, if any, and then nce of your account. uea the previous c glance ; charges, t previous p to the to current r Total are applied pon our i to the bala = wo __ Visa- Credit Card Agreement and Truth in Lending OI closure (continued) Note also that it the total of the payments and credits which are posted to your account by the Payment Due Date shown on a statement is equal to or exceeds the New Balance shown on that statement, we will not apply the Monthly Periodic Rate to your Account on your next statement. 8. DEFAULT - You will be in default if you fail to make any Minimum Payment within 25 days after your monthly statement closing date. You authorize us to transfer funds sufficient to make the minimum payment due it your Visa loan is in default. You agree that we may temporarily suspend your ATM card access if your Visa payment is due for a period exceeding 30 days. You will also be in default if your ability to repay us is materially reduced by a change in your employment, an increase in your obligations, bankruptcy or insolvency proceedings involving you, your death or your failure to abide by this Agreement, or it the value of our security interest materially declines. We have the right to demand immediate payment of your full account balance if you default, subject to our giving you any notice required by law. To the ! extent permitted by law, you will also be required to pay our collection expenses, including court costs and reasonable attorney fees. 9. USING THE CARD - To make a purchase or cash advance, there are two alternative procedures to be followed. One is for you to present the card to a participating Visa plan merchant, or another financial institution, and sign the sales or cash advance draft which will be imprinted with your card. The other is to complete the transaction by using your Personal Identification Number (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 monthly statement will identify the merchant, electronic terminal or financial institution 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 I time of the transaction in order to verity the monthly statement. The Credit Union may make a reasonable charge for photocopies of slips you may request 10. OVERDRAFT OPTION - if you elect to overdraft to your PSECU Visa Credit Card, that election is subject to the existing credit limit and the agreement o 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 advance on your PSECU Visa Credit v 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, and they will do so by sending us a credit slip which we will post to your Visa fine 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. If the balance is one dollar or more, upon your written request, we will refund the credit balance to you. 12- FOREIGN TRANSACTIONS - The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa Itself receives, or a government-mandated rate in affect for the applicable central processing data In each Instance, an adjustment may be assessed based on the iSA fee imposed by Visa. This fee, which totals 1% of the transaction amount, will be assessed on all transactions where the merchant country differs from the country of the card issuer. 13. DISPUTEO TRANSACTIONS - if you dlsagree or find an error with a Visa transaction, and have tried in good fa;th is correct the problem with the merchant of the charges are the result of unauthorized or fraudulent use, or your purchase cost more than $50 and was made from a plan merchant in your state within 100 miles of your home, contact PSECU. You are required to notify PSECU in writing within 60 days following the date on which we sent your statement wherein the error or problem first appeared regarding any discrepancy or unauthorized transaction on your account. Telephoning PSECU does not preserve your dispute rights. You may be required to provide us with documentation to support your dispute claims. In addition, you may be required to complete a standard dispute form outlining the details of your dispute. In cases of fraudulent card use, PSECU will also require a notarized affidavit. In some cases we may ask you to notify the local authorities. If we do not receive the proper requested documentation in the time specified you may be held responsible for the transaction(s) in question. PSECU must adhere to strict dispute timeframes set forth by Visa. 14. SECURITY INTEREST -To secure your account, you grant us a purchase money security interest under the Uniform Commercial Cade in any goods you purchase through the account H you default, we will have the right to recover any of these goods which we have not been paid for through our application of your payments in the manner described In the Monthly Payment section. With respect to this account only, we will not assert any statutory right we may have it you are in default to prevent withdrawal of your unpledged credit union shares (Deposits) below the unpaid balance of your account. However, if you give or have given us a specific pledge of your credo union shares (Deposits) by signing the Pledge of Shares or otherwise, or any other security interests for all your debts, your account will be secured by your pledged shares (Deposits) and by the property described in those other security 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 sales, cash advance, credit or other slips you sign or receive may contain different terms. We may amend the Agreement from time to time by sending you the advance written notice required by law. Your use of the card thereafter will indicate your agreement to the amendments. To the extent the taw permits, and we indicate in our notice, amendments will apply to your existing account balance as well as to future transactions. 18. LATE PAYMENT CHARGE - if your Minimum Payment is not received by the first day of the month following your due date, you will be subject to a $20 charge. 17. RUSH FEES -You may incur additional charges for rush processing and rush delivery of cards and/or PIN mailer. 18. OVER LIMIT FEE -A $20 fee will be applied for each monthly statement dosing date on which the outstanding balance exceeds the assigned cred8 RW by more than $100. 19. 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. ILLEGAL TRANSACTIONS PROHIBITED - You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local taw. 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 acW4. ( ATM CARD CARDHOLDER AGREEMENT - The Undersigned (you or your), in in this Agreement shall be subject to the rules and regulations of each account j consideration of THE PENNSYLVANIA STATE EMPLOYEES CREDIT UNION (we, which is accessed by such Card. our and us) issuing to you an ATM CARD, hereby agree to be legally bound by the 2. USE OF PERSONAL IDENTIFICATION NUMBER ("PIN") WITH ATM CARD following terms and conditions. You agree that the use of your ATM card(s) You understand that a STAR SYSTEMS or a PLUS SYSTEM ATM is an automated constitutes acceptance of the terms and conditions of this Agreement. You understand that ATM is a credit-related service and you authorize PSECU to obtain teller. it can and will perform many of the same tasks as a human teller. You a credo report on any users of this account. acknowledge that the Personal Identification Number or PIN which you use with the ATM CARD is your signature, identifies the bearer of the Card to the STAR "ACCOUNTS AND USES OF ATM CARD - You have the account(s) (including SYSTEMS ATM, PLUS SYSTEM ATM, or other network ATM and authenticates and Checking and Regular Shares), which we set forth on your application form with this validates the directions given just as your actual signature and other proof identify Agreement. You hereby request that we issue to you one or more ATM CARD(s) to you and authenticate and validate your directions to a human teller. You also be used in connection with such accounts as described in this Agreement. understand that a Merchant which accepts the ATM CARD for a Purchase You understand you may use the ATM CARD at a STAR SYSTEMSO ATM to (1) transaction may have an electronic terminal (Merchant operated or Seff-Service) withdraw cash from, (2) make or arrange for deposits in, (3) effect transfers to or from which requires the use of your PIN and when your PIN is used at a Merchant's your account, (4) receive information regarding the balance in your account(s) or (5) terminal, it will authenticate and validate the directions given just as your actual make cash advances from your credit account(s) in the amounts you request. You may signature will authenticate and validate your directions given to us. You acknowledge also use automated teller machines throughout the United States and in certain that your PIN is an identification code that is personal and confidential and that the foreign countries which bear the PLUS SYSTEMID name and logo (1) to make use of the PIN with the ATM CARD is a security devise for your account(s). withdrawals from, (2) effect transfers to or from, (3) receive information regarding the Therefore, YOU AGREE TO TAKE ALL REASONABLE PRECAUTIONS THAT NO 1 balances in your Checking or Regular shares. If you have a Personal Service Loan ONE ELSE LEARNS YOUR PIN. approved and in place, you may also mane a cash advance from your PSL. You further 3. LIABILITY FOR UNAUTHORIZED TRANSACTIONS -You agree to contact us understand you may use the ATM CARD to purchase goods and services ' at once if you believe the ATM CARD(s) issued to you or PIN has been lost or stolen ('Purchase') at any retail establishment ("Merchant") where ATM CARDS are or money is missing from your account(s). You also agree that if your monthly i accepted by such Merchant. If you use the ATM CARD to make a Purchase to obtain statement shows transactions which you did not make, and you do not contact us cash, if permitted by the Merchant, you shall be requesting us to withdraw funds in the within 60 days alter the statement was mailed to you, you may not get any money amount of such Purchase (including any cash received from the Merchant) from your Checking Shares and directing or ordering us to pay such funds to the Merchant. lost after that time. YOU AGREE THAT IF YOU GIVE YOUR ATM CARD(s) and PIN I TO SOMEONE ELSE TO USE YOU ARE AUTHORIZING THEM TO ACT ON YOUR You request that we will provide to you such other services or access to other ATM BEHALF AND YOU WILL BE RESPONSIBLE FOR ANY USE OF THE CARD(s) BY j systems or networks using the ATM CARD which we may later make available and ' THEM. You could lose all your money in the account(s) if you take no action to notify which we advise you are offered in connection with your account(s) set forth on your I PSECU of the loss of your ATM CARD or PIN. Safeguard your Personal application form. You also understand that from time to time you may request in j Identification Number (PIN). Do not tell or disclose your PIN to any other person. Do writing that we provide access to additional accounts of yours through the ATM not write your PIN on your ATM CARD. Do not keep a written record of your PIN near CARD we have issued to you. You agree tnat the uses of the ATM CARD described , your ATM CARD. Do not choose a PIN that is easily identifiable. jF_VPg.(Lonic -Funds- Transfer,. AThf Ag_reernent _ and -.Regulation '._OisGosu11 (continued) A rew card may be ordered for you at that nme and a 'hold' will be placed on your old card. After such time, it you find your old card, destroy the old card oy cutting it in half. If you attempt to use your old card. it will not work. 4. CHARGES - You agree to pay a 50 cent charge for each deposit or withdrawal exceeding 15 a month. You agree to pay the 50 cent penalty charge on any cash disbursement transaction (loan advance or share withdrawal) that is less than $20. i You agree to pay a 25 cent charge on each balance inquiry. You may incur a charge I for any adjustment that needs to be made to your account resulting from an error you made while making a deposit at an Automated Teller machine (ATM). You agree to pay the charges or transaction fees which are charged by us for these services or for services which may later be offered as such fees or charges may be imposed or changed from time to time. l 5. DEPOSITS -- You agree that when you make a deposit at a STAR SYSTEMS ATM that we have the right to verify the deposit before we make the money available I to you. It you deliver cash, checks or other items to a STAR SYSTEMS ATM, you understand and acknowledge that the funds from your deposit may not be available i for immediate withdrawal and that the availability of your deposit shall depend on our { rules and regulations regarding the particular account in which you are making a ! deposit, the items that you are depositing and whether the deposit is made at a STAR SYSTEMS ATM that is owned by us or another financial institution. You also understand and acknowledge that not all STAR SYSTEMS ATMS may accept deposits and some STAR SYSTEMS ATMS may limit the amount of funds which may be deposited and that we may not control these limits. 6. LIABILITY - If the ATM CARD is issued for a joint account, you agree to be jointly and severally liable under the terms of this Agreement and the agreement for such account. You agree that if you make deposits or payments to your account(s) with items other than cash (checks, drafts or other items) and we make funds available to you from such deposits prior to their collection, you agree that we may deduct the amounts of such funds from your account(s) which are not collected or, I if the funds in your account(s) are insufficient at such time, you will promptly pay to ! us any amount of such funds which are not collected. 4 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 i 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 changes and your use of the ATM CARD after the effective date of any such 1 amendment or change shall constitute your acceptance of and agreement to such ? amendment or change. 13. OWNERSHIP - You agree that the ATlvt CARD is our property and you will surrender it to us upon our request. You agree that 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 CONVERSIOWELECTRONIC 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 teas. You are considered to have authorized 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 if you believe your card has been lost or stolen. Telephoning is the best way to keep your possible losses down. You could lose all the money in your account plus your maximum overdraft line of credit. If you believe your card has been fost or stolen, and you tell us within two business days after you learn of the loss or theft, you can lose no more than Esc if someone used your card without your permission. If you do not tell us within two business days after you learn of the loss 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. Also, it your statement shows transfers that you did not make, tell us at once. It you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have slopped someone from taking the money if 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 f will extend the time periods. 3. TELEPHONE NUMBER AND ADDRESS TO NOTIFY OF UNAUTHORIZED TRANSFERS - • ATM - Contact PSECU at (800) 237-7:328 EXT 3808 (nationwide) or (717) 23.1.8484 (in Harrisburg). Aber hours, follow the menu options on PSECU's voice mail system to report a lost or stolen card. For Visa Credit or Debit Cards, folto v the directions for Lest Card Notification under the Visa Credit Card Agreement and Truth-in-Landing Disclosures section of rhrs document. • ACH and SST - Contact PSECU at (800) 237-7328 (nationwide) or (717) 234-8484 (in Harrisburg). Or write to us at: Pennsylvania State Employees Credit Union P.O. Box 67013 Harrisburg, PA 17106-,1013 PSECU Business Hours: 8:00 a.m. - 5:00 p.m. M - F TOO (800) 472-1967 Nationwide (717) 777-2100 in Harrisburg 4, FINANCIAL INSTITUTION'S BUSINESS DAYS - • ATM, ACH and SST - PSECU's Business Days are Monday through Friday. Holidays not included. 5, TYPES OF ELECTRONIC TRANSFERS A CONSUMER MAY MAKE - • ATM - Balance inquiries on checking, savings and PSL; withdrawals from checking/savings; cash advance from PSL; deposits to checking/savings; purchase goods and services at any accepting retail establishment. • ACH - Preauthorized debits and credits to checking and savings. • SST - Balance inquiries and transaction histories on all share, certificate and loan accounts: transfers from any share to another share or loan account from your PSL to any share or loan account; withdrawals from any share except IRA shares or certificates. 6, ANY CHARGES FOR ELECTRONIC FUNDS TRANSFERS OR FOR THE RIGHT TO MAKE TRANSFERS - • ATM - Fifty cents for each disbursement (cash advance or withdrawal) less than $20; fifty cents for each transaction over 15 per month; 25 cent for each balance Inquiry; and there may be an additional charge for any adjustment that needs to be made to the account of any member who makes an error white depositing at an Automated Teller machine (ATM). • ACH - $30 service charge for insufficient funds for each electronic transfer. • SST - none 7. SUMMARY OF CONSUMER'S RIGHT TO RECEIVE DOCUMENTATION OF EFTS - • ATM - Ybu are entitled to receive a printed receipt at the time of each transaction. You will receive a monthly statement showing the status of your account, any transactions made during the month, and any penafttes or charges PSECU may impose during the month. • 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. • 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 (600) 237.7328 to find out whether or not the deposit has been made. 8. STOP PAYMENT RIGHTS - PRE-AUTHORIZED TRANSFERS - • 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 how: Call us at (800) 237-7328 (Nationwide) or (717) 234-8484 (Harrisburg) or 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, If 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. If these regular payments may vary in amount, the person you are going to pay wig 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 thart a certain amount from the previous payment, or when the amount would fall outside certain limits that you set. • Liability for Failure to Stop Payment of Preauthorized 7Yansfers. 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 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 property 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 uncotleded; (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; (7) PSECU has reason to believe that the transaction requested is unauthorized; (8) the failure is due to an equipment breakdown that you know about when you started the transaction at the STAR Systems, PLUS System; (9) the failure was caused by an act of God, fire, or other catastrophe, or by any i other cause beyond control; (10) if you attempt to complete a transaction that, w? at a STAR Systems, PLUS System, or merchant terminal that is not a i Ei?ti.(Io?r (g Funds Trgnsjg/,_.?tTlvf Ag?emgnf .arid Re9ulgtjgn._"E'"' Disclosure (continued) permissible transaction listed above: or, (11) the transaction would exceed the, security limitations on the use of your ATM CARD. • ACH and SST - If PSECU tails 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 ailure unless: (1) there are insufficient funds in your account to complete the transfer; (2) the funds in your account are ur)collected; (3) the funds are subject to legal process: (4) the transaction you reguest would exceed the funds in your account plus any available overdraft j credit; (5) PSECU has reason to believe that the transaction requested is unauthorized; (6) the failure was caused by an act of God, fire, or other catastrophe, or by another cause beyond control. In any case, PSECU shall be liable only for actual proven and not consequential damages if the failure to make the transaction resulted from a bona fide error despite PSECU's procedures to avoid such errors. 10. DISCLOSURE TO THIRD PARTIES - • ATM, ACH and SST - PSECU will disclose information about your account to third parties: (1) when it is necessary to complete transactions: (2) to verity the existence and standing of your account with PSECU upon request of third party, such as a credit bureau; (3) to comply with government agency or court orders; (4) in accordance with your written permission; (5) to comply with government or administrative agency summonses, subpoenas, or court orders; (6) on receipt of certification from a Federal Agency or department that a request for information is in compliance with the Right to Financial Privacy Act of 1978; Regulation P, Privacy of Consumer Financial information: and (7) when it is necessary to take legal action to recover shares. 11. STAR SYSTEMS SERVICES - • ATM Only -You may use your ATM CARD with your Personal Identification Number (PIN) at STAR SYSTEMs located in Delaware, Maryland, New Jersey and Pennsylvania to conduct any of the following transactions for 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 Persona) Service Loan (PSL). d) Deposit currency, checks, or drafts (coins are not acceptable) for 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 Service Loan. Not all ATMs may accept deposits. There may also be limits on the amount of funds which you may deposit M certain ATMs. 12. PLUS SYSTEM• SERVICES - • ATM Only - You may use your ATM CARD with your Personal Identification Number (PIN) 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 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 SYSTEM network Other services may be offered in the future. 13. OTHER ATM NETWORK ACCESS - • ATM: Only - From time to time, PSECU may make arrangements 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 establishment ('Merchant') where ATM CARDs are accepted by such Merchant. The amount of all such Purchases will be deducted from your Checking. When you make a Purchase using the ATM CARD, you will be requesting PSECU to withdraw funds from your Checking 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 - • 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 withdraw!purchase up to 5500 at point of saie iocations. PSECU reserves the right ;d reduce this Wily lim;t at any !xre. In the event that your daily lima is less than $500, PSECU will advise ycu of the new Gmilation. The day for i withdrawal limits starts at 12 midnight each day and ends at 12 midnight the next day. For security purposes, there are also certain daily lim.tat;ons on the frequency of use of the ATM CARD. However, these limitations are not revealed for security reasons. The Pennsylvania State Employees Credit Union is not obliged to maintain such limitations. You will be denied use of your ATM CARD if you exceed the daily withdrawat/purchase limit, if you do not have adequate funds available in your account, do not enter the correct Personal Identification Number (PIN), or exceed the frequency of usage limitation. The receipt provided by the STAR SYSTEMS or PLUS SYSTEM ATM or Merchant terminal will notify you of the denial. There is a limit on the number of such denials permitted. Attempts to exceed the limit will result in machine retention of our ATM CARD. The number of attempts that result in machine retention is not revealed for security purposes. 16. ERROR RESOLUTION PROCEDURES - • ATM, ACH and SST.- In case of errors or questions about your transactions: Direct inquiries to PSECU at (800) 237.7328 Nationwide, TOO (800) 472- 1967 Nationwide, (717) 777-2100 in Harrisburg, or write PSECU at: Pennsylvania State Employees Credit Union, P.O. Box 67013, Harrisburg, PA 17106x7013, as soon as you can if you think your statement or receipt is wrong, or if you need more information about a transaction listed on the 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 must provide the following information: (a) Your name, account number, and ATM CARD number (if a ATM transaction), or reference number (if Sell- 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 orally, you must send your complaint or question in writing within 10 business days. PSECU will tell you the results of the investigation within 10 business days for STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE TELEPHONE, or DIRECT DEBIT/CREDIT TRANSACTIONS, or 20 days for STAR SYSTEMS purchase transactions. It 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 recred'it your account within 10 business days 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 recredit your account. If PSECU decides there Is no error, you will be advised within three business days after the investigation is completed. You may ask for copies of the documents PSECU used In the investigation. If PSECU credits your account while investigating, you must repay those funds if PSECU concludes no error has occurred. 17. ATM SURCHARGE - It 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 (and you may be charged a fee for a balance inquiry even it you do not complete a fund transfer). 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 particular location, choose another ATM. • It the ATM has an entry door, close the door prior to 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: you may call the New 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 AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 4 V? d ? a W z Q O x ' ^ L N e J ° o p C P.:c p a ? ? C M? c?. V l.)S a ?. ` o` 2 e o ?. f 03 73 i ?. u _'2 0 i J° J c 9 .. J g e y - u ? u ?,U 4 ? .? + c 5 r 2 y ° G 1 K ?3»a Q= pcfi< c -?a?o?? a WJo y? ?u??={. ??i??? c V r c 1 0 ? •3 ? Y ? ?? j e o SE? - l- F n r t,? ? i3 9 Co c N a J 1 s E q'. T n0 ?J?t3• pp 54, y 4 9? ? a ro a ?? 4 .O ? D a .Y ? p ?i r 0 03 Ric r C. .C ?£o y C «p S m C O M« `°? Y LL a? c.Ya p e O? 'p O C-•? € O Y c?A f t 3.2 0 a8'$FF'?'??a?ir $?°vpp P C g•O ?MF '£ O '? 3'? Sf 01 L Q".s4gQB om?5$ 179 Y ?$ usY•Oc -2 -R I w Kp4v o c tl .?' Yu p +( u Oi}g P ya,'S °?g?n ?..3 ?So. ®4 "g ?? o la M lit 3 U L m z s a S 0 S S Y F C 4 z o€ g? a? g o 1 ° 3 w i $ ° °.P g C ? E p g? A ?Pf d 3 C S C ? ° O Sc .. ° O m i $ ? ? r 3 u g 0 4 `4' P E o Y Y v 2 { c Cy V 2 Q c ?, ° f? eTi 3 oU no'c $ O X_ 3 Sjc oo:?cr000O %q E u 3 j!5 -E t' if T aC4 ?aF ??1 ?z pc yG? • Yz O f r e°?a°i j?? 4ao ??p C EE v w °a g? a $5.3? 'SQ Y a c p { ?+ p U 4g 8 ct `?Cu-W °i?Y Y BP_PYYY yp Pm OJf?OI N.-? 250 ?$?. ??.00$?8 3 a 333 J `m _ J {?4 qQguQg?p 1M i? S 0Y? SC?6??S aJ aS ?`y i+S iV C'O??`.N op 3 R m o??° g .'c 3 Y? U E L. 88$¢8x8{8$ y2S x.c `a o 6.° .. `+=c?m t o .4PY33PPPS? U Q e. m-Sooooooo'oo` 4E° b O C oSo?; 96 i uo o y „ o E ,k ' 7 O° ° za 221 E a C y ? M C ?a °a <` Y C O tP x 5 tiff N ^N^ Q Y Y v9 6 4. O W ?Y? tl fir! N V) V f Y Nf OOO i N NNN u b O p .p ? ?? !M!S ? / pfyp ..pp pp p. ??'/I+I 1'! O ? ? ?N ? r? p ^N S ? ? 0 _ _ _ _ ___ g g g 0 c x Y Y ? ' •'° Y c O !V O Q O NNN Q N Q a E ? e F o ? i? (° v3R'3'&A(Z ni?8?Ao°. o°ov°On ? PtO( ? g? ^ C v ? C ` Y Y Y 5 a o ` obb u 5555 ? O p J ? o ? ^ ? ? ? ? " ? 1 2 °? C. pq 8 8>Gp E Yp`E(.IOP8 8 i ' ? NO O QO 8 YipQO S S 8 0 0O ? ?j0 G p ? ? %4 1 $ ? ; pp ? ( ? ? ?pp 8 MMMN WNN t ? ?pp ? ( NNN NJ1MM O O ? JJJ.l J D. / ' N V 4 C e` Z U s? s? g ?o Ly Y O ?N Eoo. p? St a S ° s S? ?R8 a v 9g ° o O .4 p Lv_ O r3 > Q m V P?? iS ru V Y??Ya Y L i ° C Fez i O j n t ] C O O u y 0 N O C } L c .` m > ° m a = v O E m ?' m ° c` v S• U O O>° 'd G C O d OO j C V y O¢ ] P V L E v D V-) VO .? 3 'u m 0 0 O L 0 a o a a y H N m 2 y a 0 i E a ~ .5 a u 0= N = a -? d J 0 3 "m c w G w 0 u o v U. m v 0 •° ' v c m o- 3 a' o O` v o a° y c c o c .1, o E A x c v a o m u D a U> p 8 1 u Co y o o E u vo w C a s O O p c 0 0 C! >C C a7 `O 0 O a m Z ° C O . m c j o c a .? a% E U - O'] ? ] ? C-0 C ?L O m V ? .-U t N = y C"O a d ?' ¢ U E 3 ?, N E ° o o c o ' y d° o a °' ?° 1 3 ? = u m o co ~ n m•r'-vi c° o f m m d L c 3 x- y= 0 3 0 5 raj a o ° wm c- m y c E ° ox E_ v oLc m v rnio= as > ?_>o C C .C .y u 0p d Y u O _ m° N a C O a O J O 0- OZ w 0 14 o E v o' o m v o m> c=r m q a.4 4) s c] 3' c o v u E a' u- La g - " _E v° 0' d ° L or f '3 r'd .°u_ 0 d 3 N E o H m o ?voooE>=mEOOa ?mu v saga-0 ?c.5-0 mar r !2 CL 0 d ` c o' $ e v , o o-v ?iMj o cto Sc m; mL«v c oV ?r'u ai $ ?° 0 o ?p a `m O mc V .? Crnl O. L= a L p g Q (? 'L^ ` C ° C C 0 O S p C N d a N OU woe 3 "O U° c C-00 b .C O m m O u m w a w t? Q Z m ci N L V U U O V C o C '£ 1 04 0 m L C m° 0 L> c CL .6 L M N m m W m d 'O _rm _ m = oD"vaNo ^Qcg'ona?° ?a`°° VEy`-' .c `aoo 'oE«•wo10`d>v-v'Nv7s-° v'vsdE c;o't-r o ° u v a c m«v v E' 2 s o E 8C IL ?? Eon d U °-' $'m v $ o w0 a 0 cC v >3 ° c a 5'Ev o u E V 0- C °- 0O c o N d i m "q d v p S C '$ G„ 0 .°a V o m :D b' Q a i o s C N L v m w ? a_ d o Q E P 4) Q c mg co w`eag a c o n F-?Eooc? s5 'a a°"otia -13 Ev?co_ ;o 0a Q,. m a o?u° w ] o >- ?. 3 m 3 a m O m c m 0 $ ;c L w "- 3 x 7 v o u° •c c I m o u o w a> > c 3 v v. n v m c N. _] v e M $ + cN Eu-El7 u ? ? a.E E o? 4, r 3 -c v d Aa $ w ? c t a°s E ? v ° o=wv7v - m v o von, uV-u• v c m a c l3 a: X. t c E n o a *6 Q ? + $ $ 7 3: ? m .0 & -0 y c o c ° v° ? •a ° C4 cv = 'c o r b E - U at a e a a g? 02 5m° o ? pcps_E E vm 4'v m c N cvLivV) aU"° c ami o`a°>'E O d L 'n C ° O L 01 7 on O ] N N `^ m (h m t L L a S Q s t71 .v ' a 0E`1 -C ?ao E > o a? =v a_ u E_ o N E C? C pO L?YI E -0 'Sa DO VKd sf0 r3°t c?3gcg 2SEE?g aU {S?8ySmEgM'u or?Q?Cyo$a C Cg «E EE? v $$$.w, a cEESo? ap1 Silo 4 w E EV E o O h00D[au1POLtV' •t 0400 NaO ?A ?O.-hP?lf ON VI NONhNNI? 'tMOMNN14 M0'° $ 0D MNW OPP00hh O vN? ?- R[ ?L ?a7VVQ QYVV«f yMM_MM_M NNNNNN M_M_M_M_M_M_ Q E c l V ?S g o V 666666 666666 666666 666666 666666 >. C III L y, is -- .1 t _ O _ 0'-CV MOh?Oh00 P0?-NMV h?O1?aOP0 g` c O _ o O Ncn Vttn o hcDP000 000000 0??? ?-N O-IB O 3*. 0,0,0,0,0,0, PPP. r-- - - '-.-.-- Ell a c m i g?L'nCEm $,,?' m N cur-6v c0 ? r` cc o O 7 C y p.S 8U a ^Mstn m OO?n r-1o a0 VIMc4 00- MMV0%O,AP M Vh00M L Y, 0 V g C C a.a 0 m n b O O- 0,00 NV OP 00 `O ?I1 V'M N'-OP Wf??ONYM N?-OPP m ° o_ w u? E g ?] hhhhhh N M - 0 o w o 0 0 o n v>NtnN?lf?A u1?[7hhV Y 8 L u$$ 2-8' u O 666666 666666 660660 666666 606606 u u 8 _ o c g?$ N O ?, E T L - NM VN10 ° 0 0 0 0 h 00 r.c010r, r. i.r. V NN rU1-I i. Nh r. h i. N Nao O? coNMcow co co c co 00 aO o D ao PO P 3 N g 8"° `, o$$ u 0 0 hco 2 QQ pS . m V ?w S DO Lr >. O O C.DN 0 11 ?qq70?p? u$ VpECOU w 3SN' 7 m 0 7 7 ap? $b EcOOEELcc$ 9 "w n? O0aO^ OPPMcoN 0400vM0 NNPV?Oco Nu)?O?vO PODcoNcDP C 0 u a= -2 v 2 0 O.-hv0l0 NO1OMOOD hNPhV1N cO,ovM- a0hu)MNO -8- O t « ?j .4 .ncnvvvM MMNNN- ?-0000 00-00,0.01- wwwwww O V o?- ?Op j Og 8^a NON V N NNNNN NNNNNN NNNNNN N.-7 -. . . . . . . L ; O vN 0'Ow 0 VOO$ a 000000 000000 000000 000000 000000 Z' r 0 D S u OOH 3 o- EC SOO a C p y-Ofr 8 O 8 it $ 04MVN,0 hC0P0?-N r) Ln NCO OPO?NMa u11ON000P0 w ;0 OOQ`o>.C L(V C MMMMC]M MMMVVV VYQ4stY vv7Nh?nn Lou)u7vivi Zo f- 3 0 0-01 ?481 u 5 .0 Cc ce ------111111 M u O M -C C4 C 9z o e a 8 ?coC u E? a. ` Vey Y3?T?YON4 .,U pp .C U M C N ? AO c?v 71- 3FL 1.r v j u - 0000404`0 NOVI?hv 0, vM0000 ? ON•-MMO NI?PMOK 6 Y O. o Ca y O a nb 0000,040, hh0000u1 ION covvv IT NCOFut cO?ul?h? g ` M Q u C.? ?? .n C'Cic 8 C ° O DOOM ?O t" MOCOV1vN OP N-0%n w MN-OOP 0°00 hh?0 ?0 ¢ .= 9 O t? S?"a •O O C O y..? CE OOONMIN .?1.//vQVV YM MMMM C'7MMMMN NNNNNN .'SF c G' d E J C O 3~ O 000600 660660 606600 006000 000000 C4 FHH-I O-N My h?0n0 PO-NM V n h COPO O a ?LL u2 O c OOW O CL M? y L ^NMQ1010 hcoP V U u V?- 3 . - OK' S «._ E ?. ? ?? ??.-•--? -0404040404 NNNNNN I 5 Q 3 W e? C 0 :;) d 0 1 Udb 8001 08-2263 BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. SANDRA TRAN, Defendant 05 THE _! C AR'f 201 O MAR it AM 11: 36 rci wNSYLVANIA Attorneys for Plaintiff Pennsylvania State Employees Credit Union IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 08-2263 PRAECIPE TO WITHDRAW/ENTER APPEARANCE Kindly withdraw the appearance of Melissa L. Van Eck, Esquire as counsel for Pennsylvania State Employees Credit Union and enter the appearance of Shawn M. Long, Esquire as counsel for Pennsylvania State Employees Credit Union, regarding the above- captioned matter. Papers may be served at the address set forth below. BARLEY SNYDER LLC By: re hawn MV Court I.D126 East Lancaster, PA 17602- 2893 717.299.5201 Date: J w U VAN ECK & VAN ECK, P.C. By: L? Melissa L. Van Eck, Esquire Court I.D. 85869 7810 Allentown Blvd., Suite B P.O. Box 6662 Harrisburg, PA 17112 717.540.5406 Date: Ito 2853407-1 ,~ , , 08-2263 ., ~.., , . r1C j~..ir i r ?r~~Y PM c:ot GUPtir~ ~;_;'"~~' +'r'; .;'~,ts. ~' , ~ ~ 1 BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff v. SANDRA TRAN, Defendant Attorneys for Plaintiff Pennsylvania State Employees Credit Union COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW No. 08-2263 PRAECIPE TO REINSTATE COMPLAINT TO THE PROTHONOTARY: Please reinstate the Complaint in the above-captioned action. BARLEY SNYDER LLC dawn M. Long, Esqu. Attorneys for Plaintiff Pennsylvania State Er~ Court I.D. No. 83774 126 E. King Street Lancaster, PA 17602 717.299.5201 Credit Union O X10. ob P A 14TT~ Cir 46(oaLl R,~ a~ts~ 2967026_1 o _ _ ___ _ - ~ __ IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V3. SANDRA TRAN Defendant NO. ~8~ ~b3 Cw at 1~-+~'~ . _ n -CJ ~r • (T{+f :.:. • ~ `~:~ ~,• ~-~.~ • ~ ~,fj CIVIL ACTION -LAW ,~'r,, ~_. NOTICE TO DEFEND Pursuant to PA RCP No. 1018.1 o A -4J ~~ ~? t"r't ~ --y -~ ~'T~ 'Y ~ r, :-- ; -- w c+, 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 aze 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 aze 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 Baz Association 32 S. Bedford St. Cazlisle, PA 17013 (717) 249-3166 (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. SANDRA TRAN Defendant CIVIL ACTION -LAW AV I S O PARA DEFENDER Conforme a PA Niue. 1018.1 USTED HA SIDO DEMANDO/A EN LA CORTE. Si usted desea defender conta la demanda puestas en las siguientes p~ginas, usted tienen que tomaz accibn dentro veinte (20) dias despu~s que esta Demanda y Aviso es servido, con entrando por escrito una apazencia personalmente o por un abogado y azchivando por escrito con la Corte sus defenses o objeciones a las demandas puestas en contra usted. Usted es advertido que si falla de hacerlo el caso puede proceder sin usted y un jazgamiento puede ser entrado contra usted por la Corte sin mas aviso por cualquier dinero reclamado en la Demanda o por cualquier otro reclamo o alivio solicitado por Demandante. Ustedpuede perder dinero o propiedad o otros derechos importante paza 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 Baz Association 32 S. Bedford St. Cazlisle, PA 17013 (717) 249-3166 (800) 990-9108 Document #: 180057.1 ~ ~ IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff vs. SANDRA TRAM Defendant NO. CIVIL ACTION -LAW COMPLAINT AND NOW, comes Plaintiff, Pennsylvania State Employees Credit Union, by and through its attorneys, Van Eck & Van Eck, P.C. and states the following cause of action and in support thereof, avers as follows: 1. Plaintiff, Pennsylvania State Employees Credit Union, is a fmancial 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, Sandra Tran, is an adult individual with a last known address of 1713 Hummel Ave., Apt 1, Camp Hill, PA 17011-5530. 3. Defendant is, and at all relevant time material hereto has been, the primary loan applicant. 4. 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 "A". 5. The application submitted by Defendant was approved by Plaintiff. 6. 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 Document #: 180057.1 Credit and Security Agreement is attached hereto, incorporated herein and mazked as Exhibit «B~, 7. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms and conditions of the Contract mazked as Exhibit "B". 8. Various charges and payments were made by Defendant on the account. 9. Defendant has defaulted on the loan by failing to make timely and regular payments. 10. The last payment made by Defendant was on May 28, 2006. 11. Defendant is required under the contract to make regular and timely payments. 12. Plaintiff has maintained a statement of account keeping an accurate and running. amount of debits and credits made on Defendant's account. 13. Plaintiff has submitted to Defendant a copy of the statement of account accurately showing all debits and credits for transactions with Defendant. 14. Defendant has not objected to any of the monthly statements of account submitted by Plaintiff to Defendant. 15. Despite Plaintiff's reasonable and repeated demands for payment, Defendant has failed, refused and continue to refuse to pay all sums due and owing on Defendant's loan account balance, all to the damage of Plaintiff. 16. As of April 9, 2008, the balance due, owing and unpaid on Defendant's loan account with Plaintiff is the sum of Eight Thousand Seven Hundred Fifteen Dollazs and 54/100 ($8,715.54). Document #: 180057.1 1 ' __ 17. Pursuant to the terms and conditions of the extension of credit contained in the Contract, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest charge on the principal loan balance. 18. Due to the default of the Defendant and pursuant to the terms and conditions of the Contract attached as Exhibit "B", attorney's fees in the total amount of One Thousand Seven Hundred Sixty-Eight Dollars and 11/100 ($1,768.11) have been added to the account. 19. Any and all conditions precedent to the bringing of this action has been performed by Plaintiff. 20. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. Document #: 180057.1 __ _ ~ WI~REFORE, Plaintiff, Pennsylvania State Employees Credit Union, respectfully requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant, Sandra Tran, in the amount of Ten Thousand Four Hundred Eighty-Three Dollazs and 65/100 ($10,483.65), plus interest, the costs of this action, and such other relief as the Court deems just and proper. Respectfully submitted, VAN ECK & VAN ECK, P.C. By: Melissa L. Van Eck, Esquire Attorney I.D. No. 85869 P.O. Box 6662 Harrisburg, PA 17112 717.540.5406 Document #: 180057.1 i VERIFICATION I, Gregory R. Diffenderfer, Manager of the Pennsylvania State Employees Credit Union verify that the statements made in the aforegoing document are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. §4904, relating to unsworn falsification to authorities. Pennsylvania State Employees Credit Union sy: ~ _ Title: (~~ ~~~C ~ ~~~"s.. Date: ~ -~~b __ ~_ E~rT «A~~ a~~ SIGNATURE LOAN ACTIVATION NOTICE April 21, 2005 Applicant Information: SS #: Applicant: SANDRA TRAM Ref #: 450613 309 Work Telephone #: Approval Amount: 510,000.00 Home Telephone #: Account Number. 12958 0 Signature: I acknowledge receipt of the PSECU INER Disclosure and Credit Agreement and agree tp be bound b~katerms set in said agreement Signature of SANDRA TRAM D to SIGNATURE LOAN OPTIONS Purpose: Please select one of the following Signature Loan disbursement options: Send a ^ check, or ~ deposit to my Share 4 (MoncyHandler/Checking Shares) Please select one of the following Signature Loan repayment options: ^ Paymll Deduction ~ Automatic Transfer ^ Direct Payment ^ Homebanldng ^ Self Seavice Telephono ^ Coupon ~ ` ~~'~i~ H nc U ~ ~Q.. ~,p~2 ~, PSEOR 8T. gQEiARE Bttl1N~#$R ZO 2 ~Wd 9Z ~d0 ~ SCANNED --_• __._ _ ~11 cB!! :~ I -_ fha financial links Pennsylvania State Employees Credit Union P. D. Box 67c)13 • Harrisburg, PA 1 7 1176-70l3 • (7f7) 234.6-19J Herrrshurg, f9r7Q1 237-7328 Nationtvida Loan Disclosures This LO/1NLINER' Credit and Security Agreement, which includes the Truth in i Lending thsclosures, will ba referred to as the Plan. The Ptan documents include this agreement and an Addendum. You, your and borrower mean any person who signs fha Plan. Credit union, we, our and us mean PSECU or anyone to whom the Credit Union transfers its rights under the Plan. HOW THIS PLAN WORKS -This is an open-end, multi featured credit plan. We anticipate that, from time to lima, you will borcow money (called 'advances") under the Plan. Wa are not required to make advances to you under the Plan and can refuse a request for an advance at any time. The Addendum describes fha j diflerent types of credit (called'subaccounts' available under the Plan, the curcent_ ~ interest rata for each subaccount expressed as a daily periodic rate and corresponding annual percentage rate arid other charges. It may also have other I terms and a schedule for determining the payment amounts. CREDIT LIb1fT - We may, but do not have to, establish a credit limit on certain subaccounts. If a credit limit is sat for a subaccount, you promise not to exceed the i pstabllshed credit limit. If you exceed the credit limit, you promise to repay immediately the amount which exceeds the credit limit. REPAYMENT -You promise to repay all amounts you owe under the Ptan plus interest Payments era due on the last day of the month unless we set a different day I at the fime of an advance. If the Addendum has no payment schedule for a subaocount, your payment will be determined at the lima of each advance. Payments must include arty amount past due and any amount by which you have exceeded any credit limit you have been given for a subaccount. You may repay all j or part of what you Owe at any time without arty prepaytnent penalty Even ft you prepay, you will still be required to make the regularly scheduled payments unless 1 we agree in witting to a change in the payment schedule. ft you have a joint j sharedratt acc:oun4 you will be responsible br paying all overdraft advances 1 obtained by a Joint holder of the sharedratt accotiM. Unless otherwise required by J taw, payments will be applied to amounts owed under the Plan, in the manner the Credit Union chooses. PLAN ACCESS -You can otrtah creclt advances fn any manner authorized by us. ft we allow you to use your ATM1Debii turd to access the Plan, you may be liable br the unauthorized use of your ATM/Debft card. You wUl not be fable for unauthorized use that occurs after you notUy tJS, orally Or in writing, of fha loss, theft, or possU~le unauthorized use. # you believe your ATM/Debit card has been bet or stolen, i Immediately Inform the Credit Union by calling or wrtt(ng us at the telephone number or I address that appears elsewhere in the Plan. If the card is used Do obtain unauthorized i advances drecdy from the Pian, your 11abUity wUl not exceed $50. M the unauthorized witTttlrawal is Isom a sharedraft account, your fiatx7Uy is governed by the Regulation E disclosures you received at the time you recehred your ATM/Debit card, even U the wlUidrewal results }n an advance being made from your overdraft subaccount. FINANCE CHARGE -The dollar amount you pay for money borrowed is called a "finance charge" artd begins on the date of each advance. A finance charge will be Comt~ted separately for each separate balance under the Plan. To compute fha finance charge, the unpaid balance for each day since your cast payment (or since an advance it you have not yet made a payment) is mulbptied by the applicable daily .per}odic rate. The sum of these amounts Is the finance charge owed. The balance used to compute the finance charge is the unpaid balance each day after payments and credits to that balance have been subtracted and any additions to the balance have been made. In eddklon io interest, we may charge other finance charges tMhich are disclosed on the Addendum. }f the Interest rate is a variable interest rate, the ~ Addendum explains how the variable interest rate works. I SECURITY -You pledge as security for the Plan au shares and dividends and, if { any, all deposits and interest in alt joint and Individual accounts you have with us j now and in the future. if a specific dollar amount is pledged for an advance, we will j freeze shares in that account to fha extant of the ouistartding balance for the I advance. Otherwise, your pledged shares may be withdrawn unI®ss you are in I default. The iollowing paragraph applies In all states except in Ohio, Rhoda Island and Massachusetts: Wa have a statutory lien on the shares and dividends and, if any, the deposits and interest in all Individual and joint accounts you have with us and may exercise our rights under the Ilan to the extent permitted by state law. (We era state chartered if our name does not include the term "Federal Credit I Union.' For ell borrowers: The statutory Ifen and/or your pledge will etlow us i to apply the funds to your account(s) to what you owe when you are In default The statutory Lien and your pledge do not apply to any Individual Retirement I Account or any other account that would lase special tax treatment under state or k fetlarel law if given as security. ~ Additional security for the Plan may be required at the time of an advance. If a ~ subaccount identifies a type of property (such as "New Cars') you must give that type of properly as security when you get an edvanco under that subaccount. A subaccount. name such as "Other Secured' means you must provide security acceptable to us when you obtain an advance under that subaccount. Property you give as security will secure all amounts owed under the Plan and all other loans you have with us now or in the future, except any town secured by your principal dwelling. i Property securing other loans you have with us may also secure the Plan. CREDIT INSURANCE -Credit ilia and/or credit disability insurance is opt;onal j under the Plan. If you qualify For and purchase the insurance from us, you authorize j us to add the insu2nce premiums montniy to your loan balance and charge you C1r:.1 Nu?UL G'nCUf, ~9W. 92. D1, ES, dG. 98. 59.2tY:G G!. GZ. G3 OJ. Q5 A..( R.GNTS ni5ER7EU interest on the entire balance. If you elect credit insurance, your payments may increase or the period of time necessary to repay your advance may be extended. The credit Insurance rates may change during the Pfan. if the rates change, via will provide any notices required by applicable law. PERIODIC STATEMENT - On a regular basis you will receive a statement showing all transactions under the Plan during the period covered by the statement. Statements and notices will be sent to you at the most recent address you have given us In writing. Unless applcable law requires notice to each Joint borrower, notice to any one of you will be Halite to all. JOINT ACCOUNTS - If this is a Joint account, each of you IS individually and Jolntiy responsible for paying all amounts owed. That means we can enforce our rlgttts under the Plan against any one of you individually or against all of you together. if you give us Inconsistent instructions, we can reluse to follow your instructions. Unless our written policy requires all of you to sign for an advance, each of you authorizes the other(s) to obtain advances individually and agrees to repay advances made to the other(s), Any joint accountholder may terminate the Plan by giving us prior written notice. If arty of you terminate the Plan, the Plan is termmated for all of you. You remain liable individually and jointly for all advances incurred before termination. FEES AND CHARGES - If you glue us a security interest in certain types of property, twe may charge you a filing fee to perfect our interest In the property. If we do, the amount of the fee will be disclosed to you at the time you obtain an advance. We may also charge you other fees in connection with the Plan. Our current fees are disclosed on the Addendum and will be added to your loan balance unless you pay them in cash. UPDATING CREDIT INFORMATION -You promise that you will promptly give us written notice If you move, change your name or empbyment or M any other information you provided to us changes. Upon our request, you also agree to provkte us updated financial Inlormatlon. QEFAULT -The following paragraph applies to borrowers /n Idaho, Kansas, Maine and South Carolina: You will be in defauU U you do not make a payment of the amount required -when H is due. You will also be in default if we believe the prospect of payment, parformamca, or realization on any property given as security is significantly impaired. The following paragraph applies only to borrowers In W/acona-n: You will be in default if you fail io make a payment when due two times during any 12 month perlod.You will be in default U breaking any promise made under the Plan materially impairs your ability to repay what you owe or materially fmpalre the condition, value, or protection of or our right In any property you gave as gecurlly. Ths following paragraph applies only to borrowers in Iowa: Ytw will be in default if you era more than f 0 days late In making a payment You will also be In default it you do not comply with the terms of the Plan and your faAure to comply materially impairs any property you gave as security or your ability to repay what you owe under the Ptan, The following paragraph applies fa borrowers fn all other states: You w11I be in default if you do Hat make a payment of the amount required when K is due. You will be In dafautt If you break any promise you made under the Plan or h anyone is in default under arty security agreement made In cwtnectlort with an advance foxier the Plan. You will be to default if you die, file for bankrupttry, become )resolvent, U you make any false or misleading statements In arty credU applk:atlon or update of credit information, or It something happens we believe may substanfially reduce. your ability to repay what you owe. You will be in default it arty property you have given us es security is repossessed by someone else, seized under a foAelture or similar law, or if anything else happens that significanty affects the value of the property or our security interest in il. You will also be in default under the Plan it you are in deisuR under any other loan agreement with us. ACTIONS AFTER DEFAULT -The following paragraph applies to borrowers In Colorado, District of Coiumbia, Iowa, Kansas, Maine, Massachusetts, MJssourt, Nebrsska, South Carolina and West Virginia: When you are in default and after expiration of arty right you stave under appl'~cable state law to cure your defauh, we can demand immediate pa)rment of the entire unpaid balance under the Plan without giving you advance notice. 'The lollowing paragraph applies to borrowers In all otherstates except H/iscons/n and Lou/slana: When you are in default, we can require immediate payment (acceleration) of the entire unpaid balance under fha PIan.You waive any right you have to demand for payment, notice of intent to accelerate and notice of acceleration. The lolfotving paragraphs apply to borrowers In all states except Wisconsin and Loulslana: If immediate payment is demanded, you will continue to pay Interest until what you o+ue has bean repaid at the appl"roable interest rates in effect or, U applicable, at the default rate disclosed on the Addendum. If a demand for immediate payment has been made, your shares and/or deposits can be applied towards what you owe as provided in the section above called `Security' We can also exercise any other rights given by law when you are in default. You scree the Credit Union has fha right to take possession of any property given as security under the Plan, without judicial process, tf this can be done without breach of the peace. If we ask, you promise to deliver the property at a time and place we choose. if ttte praperry is a motor vehicle or boat, you agree that we may CPSMGt PSECU FOAM r3t.t8 JBXXOG01-20.17.2092.1 (3/05) __ LOANLlNER' Credit and_Securlt Credit Agreement (continued) __ __ obtain a key or ether device necessary to unlock and operate it, when you are in default. We vrill not be responsible for any other properly, riot covered byr this Agreement, chat you leave inside the property or that is attached to the property. N!e wilt try to return that property to you or make it available for you to claim. After we have possession of the property, we can sell it and apply the money to any amounts you ovre us. We wiU give you nonce of any public disposition or the date after which a private disposition will be held. Our expenses for taking possession of and sailing the prepertf will be deducted from the money received from the Sala. Those costs may indutle the cost of storing the property, preparing it for sale and attorney's fees tat the extent permitted under state law or awarded under the Bankruptcy Coda. You must pay any amount that remains unpaid after the sale money has been applied to any unpaid batanca under the Plan. You agree to pay intaresl on that amount at the same rate as the advance, or, if applicable, at the default rate discbsed on the j Addendum, until that amount has been paid. The lollowing paragraph applies Doty to Wisconsin borrowers: When you are in default and after expiration of any right you have under applicable state law to cure your default, we may require immediate payment of your otrtstanding ban balance under the Plan and seek possession of Property given as security. You may voltmtarily give the property b us if you choose, or we may seek to take possession of the property by judicial proc~ss.11 we repossess the property, you agree b pay reasonable expenses incurred in disposing of the property. ff the property is a motor vehicle, mobile home, trailer, snovrtrtobile, boat or aircraft, you wiH also tie required to pay any rbsts permitted by Section d22.4t 3 of the Wisconsin Statutes. You must pay any amount that remains unpaid after the sale money has been applied to what you owe under the Plan. You agree to pay ktterest on arty unpaid amount al the same rate as the advance, or, fI applicable, at iha default rate disclosed on the Addendum, 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, it permitted by the state where the property is lotxted. The following paragrsph applies only to Louisiana borrowers: When you are in default, wa can require immediate payment (acceleration) of the entire unpaid balance under iha PIan.You waive any right you have to demand for payment, notice of Intent to accelerate and notice of acceleration. II Immediate payment is demanded, you will contatus to pay interest until what you owe has been repaid at the applicable interest rates in effect unfesa a detauk rate is disclosed on the Addendum. if a demand for immediate payment has been made, the shares and deposits gnren as ssotrdty for iha Plan can be appfted towards what you owe. Ws can also exercls9 any other rights given !>1r law when you era in default and our rights under any security agreements you have with us. CANCELUNCa OR CIiANGiN(i THE PLAN -The loNowing paragraph applies only to borro-vars fn ffllnols: We have the right to char>~ the terms of the Plan hem time to time shat giving you any advance notice required by law. Any change to the interest rata or outer charges will apply to future advar~es. The following paragraph applies only to borrowers !n W/sconsln: We can change the terms at the Plan from time to time in accerdance with Section 422.415 of iha Wisconsin Statutes. You will be notfied of any change in terms. An Increase In iha daily periodic rate under a variable rata interest rate is not considered a change in terms under the Plan. We can cancel the entire Plan or any part of iha Plan at any lima. You may cancel the Plan at any time by giving us prior written notice. Your obligation fo pay the unpaid balances under the terms of the Plan continues whether you or the credit union cancel the Plan, except to the extent that your IEability is limited by Section 422.4155 of the Wisconsin Statutes. The IoNowing paragraph applies Doty to borrowersln Iowa: We can change the terms of the Plan from Ume to time after gNing you any advance notice required by law. A change that increases the rats of finance charge or other charge, that increases the amount o1 your payments, or that otherwise adversely affects existing balances will apply to existing balances only it you agree to the change or you use the Plan after receiving notice that your use of the Plan means you agree the change applies b extsUng balances. The following paragraph appllas fo borrowers !n aU other states: We have the right to change the terms of the Plan from Ume to Ume after giving you any advance notice required by law. Any change in the interest rate will apply to future advances, and at our discretion and subject to any requirements of applicable law, will also apply to unpaid balances. The lopowing paragraph applies fo ail but Wisconsin borrowers: An increase in the dally periodic rata under a variable Interest rate fs not considered a change in terms under the Plan, We can cancel the entire Plan or any part of the Plan at any time. You may cancel the Plan at any Ume by giving us prior written not'~ce. Your obligation to pay the unpaid baiarices under the terms of the Plan continues whether you or the Credit Union cancel the Plan. DELAY IN ENFORCING RIGHTS AND CHANGES tN THE PLAN - We can delay enforcing any of our rights under this Plan any number of limes without losing the ability to exercise our rights later. We can enforce this Plan against your heirs or legal representatives. If we change the farms of the Plan, you agree that this Plan ; will continue to protect us. CONTINUED EFFECTIVENESS - ll any part of this Plan is determined by a court to do unenforceable, the rest will remain in affect. i NOTICE TO UTAH 80RROWERS -This written agreement is a final expression of I the agreement between you and the Credit Union. This written agreement may oat I ba contradicted by evidence of any oral agreement. 1 The -ouowing is required by Vermont law -NOTICE TO CQ-SIGNER -YOUR ~ SIGNATURE ON THIS NOTE MEANS THAT YOU ARE E4UALLY L1A8LE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER ODES NOT PAY, i THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. , The following paragraphs apply If you give security In connection with an advance under the PIan.They apply to borrowers in all states except Louisiana. Louisiana borrowers will execute a separate security agreement. Borrowers in .other states may also be asked to execute a separate security agreement. THE SECURITY FOR THE PLAN -You give us vrhat is known as a security interest in all property described in any receipt, voucher or other document you receive for an advance (`the Advance'). The security intaresl you give includes all accessions. Accessions are things which are attached to or installed in the property now or In the future. The security interest also includes arty replacements for the property which you buy within 70 days of the Advance ar any extensions, renewals or refinancing of the Advance. It also includes any money you receive from selling the property or.from insurance you have on the property. If the value of the property declines, you promise to give us more property as security it asked to do so. WHATTHE SECURfTY INTEREST COVERSlCROSS COLLATERAL PROVISIONS -The security interest secures the Advance described in the receipt, voucher or any other document you receive at the time of the Advance and any extensions, renewals or refinancings of the Advance. It also secures any other advances you have now or recalve to the future under iha Plan and any other amounts or loans, Including any credit card loan, you owe us far arty reason now or In tfie future, except any loan secured by your principal residence. If the property is household goods as defined ny the Federal Trade Commission Credit Practices Rule, the property will secure only the Advance and not other amounts you owe. OWNERSHIP OF THE PROPERTY -You promise that you own atl property you give as security or if the Advance is to twy the property, you promise you will use the Atlvancs for filet purpose. You promise that no one else has any interest in or claim against the property that you have not already told us about. You promise not to sell or lease the property ar to use it as security for a loan with another creditor until the Advance is repaid. You promise you will allow no other security interest or lien to attach to the property either fry your actions or by operation of law. PROPERLY INSURANCE, TAXES AND FEES - Yau must maintain property insurance on 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 praperty 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. H you cancel your Insurance and get a refund, we have a right to the refund. tf the property Is bet or damaged, we can use the insurance settlement to repair the property or apply it towards what you owe. You authorize us to endorse any draft or check wfUch may be payable to you In order for us to collect arty refund or benefits due under your Insurance policy. You also promise to pay all taxes and tees (like registration fees) due on the Property. ft you do rtW pay the taxse or fees on the Property when due or keep it insured, we may pay these obAgaUons, but we era not required to do so. Any money vtrs spend for taxes. fees or insurance will be added to the unpaid balance of the advance arxf you will pay interest on those amounts at the same rate you agreed to pay on the advance. We may recalve payrrteras in conrtettlon with the insurance from a r:omparty which provides the Insurance. We may monitor our loarta for the purpose of detertnirtktg whether you and other borrowers have compAed with the insurance requirements of our loan agreements or rttay engage others b do so.The insurance charge added to an advance may include (i) the insurance contpartys payments to us and (2) the cost of determining compliance wilts the Insurarx:e regttlrements. It we add amounts for taxes, fees or insurance to the unpaid balance of an advance, we may increase your payments to pay the amount added within iha term of the insurance or approximate tarts of the advance. INSURANCE NOTICE - If you do not purchase the required property insurance, iha insurance we may purchase and charge you for wilt cover only our intaresl in the property. The premium for this Insurance may be higher because the insurance company may have given us the right to purchase insurance aher uninsured rrollateral I5 lost or damaged. Ths Insurance will not be liability Insurance and wilt not satisfy arty state flnancfal responslblllty or no fault laws. PROTECTING THE SECURITY INTEREST - If your state issues a true for the property, you promise to have our security interest shown on the title. We may have to file what is called a frnancing statement to protect our security Interest from the ataims of others, li asked to do so, you promise to sign a financing statement. You also promise to do whatever else we think is necessary to protect our security interest in the property You promise to pay all costs, including but not limited to any attorney tees, we incur in protecting our security interest and rights In the property, to iha extent permitted by applicable law. USE OF PROPERTY -Until the Advance has bean paid off, you promise you will: (1) Use Ute property carefully and keep it in good repair. (2) Obtain cur written permission before making major changes to the property or changing the address where the property is kept. (3) Inform us in writing before changing your address. (4) Allow us to inspect the property. (5) Promptly notify us it the property is damaged, stolen or abused. (6) Not use the property for any unlawful purpose. (7) Not to retitle properly in another state without telling us. NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE - THE MOTOR VEHICLE IN THIS TRANSACTION MAY BE, SUBJECT TO REPOSSESSION. IF IT IS REPOSSESSED AND SOLD TO SOMEONE ELSE, AND ALL AMOUNTS DUE TO THE SECURED PARTY ARE NOT RECEIVED IN THAT SALE, YOU h1AY HAVE TO PAY THE DIFFERENCE. NOTICE FOR ARIZONA OWNERS OF PROPERTY - It Is unlawful for you to fail to return a motor vehicle that is subject to a security interest, within thirty days after you have received notice of default The notice will be mailed to the address you gave us. It is your responsibility to notify us if your address changes. The maximum penalty far unlawful failure to return a motor vehicle is one year in prison and %or a fine of S150,000. .__ This notice contains important information about your rights and our responsibilities undei the Fair Credit Billing Act. Yau are advised to read your monthly statement and review it for any error discrepancies or unauthorized transactions. NOTIFY US IN' CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT. If you think your statement is wrong, or if you need more information about a transaction on your statement, writs us on a separate sheet at the address listed on your statement. You are required Io notify us in writing within 60 days following the date on which we sent your statement wherein the error or problem first appeared regarding any discrepancy or unauthorized transactions on your accou t. Failure to notify us may result in your acceptance of any responsibility for payment or reimbursement to us for any such error or discrepancy on your account. Write to us as soon as possible. You can telephone us, but doing so will not preserve your rights, to your fetter, give us the fallowing Information: ' Your name and account number ' Tha dollar amount of the suspected error. ' Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. it 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 wthin 30 days, unless we have corrected tfte ernx by then. Within 90 days, we must either correct the error or explain why we believe the statement was correct Attar we receive your Letter, vre cannot try to collect any amount you question, or report you as delinquent. We can continue to send slatemznts to you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not havo to pay any questioned amount while we are investigating. but you era still obligated to pay the parts of your statement that are not in quesEon. If we find that we made a mistake on your statement, you will not have to pay any finance charges related to any questioned amount. If vre didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanatirn dons not satisfy you and you vrrite to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your statement. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. It we don't follow these rules, we can't collect the first S50 0l the questioned amount, even it your statement was correct. SPECIAL RULE FOR CREDIT CARD PURCHASES - If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount duo on the property or services. There are two limitations on this right: (aj You must have made the purchase in your home state or, H not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have bean more than 550. These !Imitations do not appy it we own or operate the merchant, or if we mailed you the advertisement for the propery or services. In this Agreement, the words you and your means each and all of those who appy for the card or who signs this Agreement Gard means the Visa Credt Card and any duplicates and renewals we issue. Account means your Vise Credit Card Llne of Credit account with us. We, us, and ours means this Credit Union. 1. RESPONSIBILITY - tf we issue you a card, you agree to repay all debts end the Fnarroa Charge arising Irom the use of the card and the card arxount. For example, you nre responsltNe for charges made by yourself, your spouse and minor children. You are also responsible for charges made by anyone else to wtxxn you give the card, and this rasponsi!>ility continues until the card is recovered. You cannot disclaim responsibi0ty by rtotlfying tu, but we will close the account for new transactions if you so request and Tatum a!1 cards. Your obligation to pay the account balance continues even though an agreement, divorce decree or outer couR judgment to which wa are not a party may direct you or ono of the other persona responsible to pay the account 2. LOST CARD NOTIFICATION - If you believe the card has been bst or stolen, you will immediately call the Credit Union at (717) 234-13484 or (800) 237-7328. Alter hours call (81)0} 558-5678. 3. LIABItJ'1•Y FOR UNAUTHORIZED USE -You agree to notify us immediatety, orelty or In writing of the loss, theft or unauthorized use of your Credit Card. You may be liable for the unauthorized use of your Credt Card. You will not be (table for unauthorized use that occurs after you notify us of the Toss, theft, or possible unauthorized use. You will have no liability for unauthorized purchases made with your Credit Card, unless you are grossty negligent in the handling of your Card. In any case, your I'rability will not exceed $50. 4. CREDIT LINE - If we approve your applicator, we will eslaMish a selt- replenishing Une of Credit for you and notity you of Its amount when we issue the card. You agree not to let the account balance exceed this approved Credlt Une. Each payment you make on the account wiN restore your Credlt Urte by the amount of the payment which is applied to the prindpai. You may request an increase in your Credit tJrte only by written application to us, which must be approted t>)/ our credt committee or loan otfker. By giving you written notice we may reduce your Credit Une from time to time, or with good cause, revoke your card and terminate this Agreement. Good cause includes your failure to compty with this Agreement or arty other agreement with us, or our adverse reevaluation of your creditworthiness. You may also terminate this Agreement ai any time, but termination by either of us does not affect your obligation to pay the account balance. The cards remain our property and you must recover and surrender to us dtl cards upon our request and upon termination of this Agreement 5. CREDIT INFORMATION -You authorize us to Investigate your credit standing whon opening, renewing or reviewing your accrount, end you authorize us to disclose information regardng your account to credit bureaus and other creditors who inquire of us about your credit standing. 6. MONTHLY PAYMENT - We wi8 mail you a statement every month showing your Previous Balances of purchases and cash advances, the current transactions on your account, the remaining credit avaAabte under your Credit Line, the New Balances of purchases and cash advances, the Total New Balance, tits Finance Charge due to data, and any other billed fees, and the Minimum Payment required. Every month yew must pay at least the Minimum Payment within 25 days of your statement dosing date. By separate agreement yvu may authonze us to charge the minimum payment automatically to your share or dtacfdng account with us. You may, of course, pay more frequently, pay more than the Minimum Payment, or pay the Total Now Balance in full, and you will reduce the finance charge by doing so. If your monthly payment exceeds the total credit line b awed, rve will automaticaly post tie credft to your S t shares. The minimum payment will be (a) 2%a of your Total New Balance, rounded up next even dollar, or (b) 320.00, whichever is greater. In addition, at any time you Naw Balance exceeds your Credit Line, you must immediately pay the excess u demand. We will appy payments in the following manner first to previous late fees, then to previous cash advances finance charges, then to previous purchase finance dtarges, then to current Iota fees, then to previous cash advance balances, then to previous purchase balances in the order that they were posted to your account, then to current cash advance balances, and then to current purchase balances. 7. FINANCE CHARGES -You can avoid the Finance Charge on purchases by paying the full amount of the Naw Balance of Purchases each month within 25 days of your statement closing date. Otherwise, the New Balance of Purchases, and the subsequent purchases from the date that' are posted io your account, wiN ba subject to Flrtance Charge. Cash advances are always subject to Finance Charge from the date they are posted to your account. Purchases: Ws cak:ulate your finance charge by multiplying the average adjusted daily balance (see explanation below), including new purchases, for the billing cycle by the monthy periodic purchase rate and corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum. Ceah Advances: We calculate your finance charge on cash advances by multiplying the average adjusted daily balance (see explanation below) for cash advances during the billing cycle by the monthly periodic advance rate and corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum. Balance Camputatlon Method Average Dally Balance for Purchases -The Average Dally Balance for Purchase Transacfions is ca~ulated by adding Uta Dally Balances (Purchase Transaction) for each day in the billing cyda, and then dividing try the number of days in the biting eyrie. To ca~ulate the Dally Balance for purchases each day, we take the following steps: We take the outstanding balance (all amounts you awe) at the start of the day. Then„in the sequence in which amounts are posted to your account. we add the amounts of all debits and subtract the amounts of all credits or payments which post to your account that day. After applying payments and credts, we subtract the amount of any unpaid Finance Charges or Late Charges. Then we also subtract the amount of any Cash Advance transactions that posted to your account on that day or in any previous day in the billing cycle. This gives us the Daily Baianca for purchases. Average Dar7y Balance for' Cash Advances -Cash Advance Trensactlons which are posted to your account are not included in the Average Daily Balance calculation for purchases, and are therefore not subject to the monthly periods refs br purctases. The Average Daffy Balance is calctttated separately for Cash Advances and is subject to the Cash Advance Monthly Periodic Rate. The Average Daily Balance for Cash Transactions is calculated by adding the Dally Balances (Cash Tiansactlort) br each day in the billing cycle, aril then divldng by the number of days in the billing cycle. To calarlate the Daily Balance for cash each day, we take the folbwing steps: We take the outstandng belarx:e (ell amounts you owe) at the start of the day. Then, in the sequence in which amounts are posted to your account, we add the amounts of all debits and subtract the an-,curls of all credits or payments which post to your account that day. After applying payments and credits, we subtract the amount of any unpaid Finance Charges or Late Charges. Then we also subtract the amount of any Purchase Transactions that posted to your account on that day or in arty previous day ~n the billing cyde. This gives us the Daily Balance for Cash Advance Transactions. Note: Cash Advances are always subject to finance charges and from the day they are posted to your account Payments are applied in the following manner: first to previous late fees, then to urchase balances in the order that they were posted to your account, then cash advance balances, and then to current purchase balances. Credits ash advances finance charges, then to previous purchase finance en to current late tees, then to previous cash advance balances, then to first to the particular typo of debt which is boing creditod, if any. and then nee of your account. previous c alance charges, th i previous p to the R to current r Total ~ are applied port our f to the bola •~-- __ Visa' Credit Card Agreement and Truth In Lending Disclosure (continued) Note also that if the total of the payments and credits which era posted to your account try the Payment Due Date shavn on a statement is equal to or exceeds the New Balance shown on that statement, we will not apply the Monthly Perindic Rate to your Account on your next statement. 8. DEFAULT -You will be in default if you fail to make any Minimum Payment within 25 days after your monthly statement closing date. You authorize us to transfer funds suffroient to make the minimum payment due if your Visa loan is .n default. Vou agree that we may temporarily suspend your ATM card access if your Visa payment is due for a period exceeding 30 days. You will also be in default if your ability to repay us is materially reduced by a change in your employment, an increase in your obligations, bankruptcy or insolvency proceedings involving you, your death or your failure to abide by this Agreement, or if the value of cur security interest materially declines. We have the right to demand immediate payment of your full account balance if you default, subject to our giving you any notice required by law. To the extent permitted by law, you will also be required to pay our collection expenses, Including court costs and reasonable attorney fees. 9. USING THE CARD - To make a purchase or cash advance, there are two aftarnative procedures to be foUOwed. One is for you to present the card to a participating Visa plan merchant, or another financial institution, and sign the sales or cash advance draft which vnN be imprinted with your card. The other is to complete the transaction by using your Personal Identification Number (PIN) in conjunction with the card kt an Automated Teller Machine or other type of electronic terminal that provkies axess to the Visa system. You agree alai you wit! not use your card for any transaction that is Ulegal under applicable federal, state, or local law. The monthly statement wiM identify the merchant, electronic terminal or financial institution at which ttansaetions 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 lima of the iransactbri in orcler to verily the monthly statement. rns Credit Union may make a reasonable charge for photocopies of slips you may request 10. OVERDRAFT OPTION - It you elect to overdraft to your PSECU Visa Credit Card, that election is subject to the existing credit limit and the agreement it represents and the current loan policy ai the time of the overdraft. You also understand that an overdraft will be considered the same es a cash advance on your PSECU Visa Crodit 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 ghre cxe~t for returns and adjustments, and they will do so by sanding us a credit slip which we wUl post to your Visa ling of cradlt. If your credit and payments exceed what you owe us, we will automatically post the excess credit balance to your St Shares within 75 days. If the balance Is one dollar or more, upon your written request, we will refund the credit balance to you. 12 FOREIGN TRANSACTIONS -The exchange rate between the transaction currency and the t>ilUrtg arrrency used for processing kttemational Vansactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the appUcable txirttral processing data, which rate may vary from the rata Visa itself receives. or a gnvemment-mandated rate In affect for the appUCabie central processing date. In each Instance, an adJustrnent may be assessed based on the ISA tee imposed by Visa. rnis lea, wfiich totals 1°/a of the transaction amount, wlU be assessed on aU transactkxts where the mercttartt country differs from the country of the card issuer. 13. DISPUTED TRANSACTIONS - h yiw rtisagree or find an error with a Visa ATM CARD CARDHOLDER AGREEMENT -The Undersigned (you or your), in consideration of THE PENNSYLVANIA STATE EMPLOYEES CREDIT UNION (we, our and us) issuing to you an ATM CARD, hereby agree to be legally bound by the following terms and conditions. You agree that the use of your ATM card(s) constitutes acceptance of the terms and conditions of this Agreement. You understand that ATM is acredit-related service and you authorize PSECU Io obtain a credit report on any users of this account 1. ACCOUNTS AND USES OF ATM CARD -You have the aecouM(s) (including Checking and Regular Shares), which we set forth on your application form with this Agreement. You hereby request that we issue to you one or more ATM CARD(s) to be used in connection wNh such arxrounts as described in this Agreement. You understand you rttay use the ATM CARD at a STAR SYSTEMS ATM to (1) withdraw cash from, (2) make or arrange for deposits in, (3} effect transfers to or from your account, (4) receive information regarding the balance in your account(s) or (5) make cash advances from your credit account(s) in the amounts you request.You may also use automated teller machines throughout the United States and in certain foreign countries which bear the PLUS SYSTEMS Hama and logo (1) to make withdrawals from, (2) effect transfers to or from, (3) receive information regarding the balances in your Checking or Regular shares. If you have a Personal Service Loan approved and in place, you may also make a cash advance from your PSL.Yau further understand you may use the ATM CARD to purchase goods and services ('Purchase') at any retail establishment ("Merchant") where ATM CAROB era accepted by such Merchant. If you use rho ATM CARD to make a Purchase to obtain cash, ff permitted by the Merchant, you shall be requesting us to withdraw funds in the amount of such Purchase (nGuding any cash received from the Merchant) from your Checking Shares and directing or orctering us fo pay such funds to the Merchant. You request that we will provide to you such other services or access to other ATM systems or networks using the ATM CARD which we may later make available and which we advise you are offered in connection with your account(s) set fonh on your application form. You also understand that from time to time you may request in writing that we provitle access to additional accounts of yours through the ATM CARD we have issued to you. You agree that the uses of the ATFA CARD described __ __ transaction, and have tried to good faith tc correct ttte problem with the merchant cr the charges are the result of unauthorized or fraudulent use, or your purchase cost more than $50 and was made from a plan merchant in your state within 100 miles of your home, contact PSECU. You are required to notify PSECU in writing within n0 days lollovring the data on which eve sent your statement wherein the error or problem first appeared regarding any discrepancy or unauthorized transaction on your account. Telephoning PSECU does not preserve your dispute rights. You may be required to prrnide us with documentation to support your dispute claims. In addit'ron, you may be required to complete a standard dispute form outlining the details of your dispute. In cases of fraudulent card use, PSECU will also require a notarized affidavit. In some cases we may ask you to notify the local authorities. It we do not receive the proper requested documentation in the time specified you may be held responsible for the transaction{s) in question. PSECU must adhere to strict dispute timeframes sat forth by Visa. 14. SECURITY INTEREST-To secure your account, you grant us a purchase money security interest under the Uniform Commercial Code in any goods you purehaso through the account If you default, we will have the right to recover any of these goods which we have not been paid for through our application of your payments in the manner described In the Monthly Payment section. With respect to this account only. we will not assert any statutory right we may have it you are in default to prevent withdrawal of your unpledged credit union shares (Deposits) helav the unpaid balance of your account. However, if you gnre or have given us a specific pledge of your crfld'd union shares (Deposits) by signing fire Pledge of Shares or otherwise, or any other security interests for all your debts, your account wUl 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 aU transactions on your account even though the sales, cash advance, credit or other sups 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 Iaw.Yoat use of the card thereafter will 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 welt as to tutus transactions. 18. LATE PAYMENT CHARGE - If your Minimum Payment is not received by the first day of the month following your due data, you will be subject to a 5?0 charge. 17. RUSH FEES -You may Incur additional charges for rush processing and rush delivery of cards and/or PiN mailer. 18. OVER LIMIT FEE - A $20 lea wiU be applied for each monthy statement closing date on whicdt the ot~tartdtrtg balance exceeds ttte assigned cradlt frntl by more than $100. 14. DRAFT COPIES -You may Incur an additional charge for transaction summary/sale draft documentation. 20. COPY RECEIVED -You acknowledge rocelpt of a copy of this Agreement. 21. ILLEGAL TRANSACTIONS PROHIBITED -You agree that you will not use your card for arty 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 clamed without notk:e to you after 18 months of no activity. 23. NEURAL NETWORK -PSECU uses neural network systems to predict and prevent unauthorized transactions. There rttay be occasions when a transaction is declined because It is indicative of poss3tle fraudulent activity. in this Agreement shall be subject to the rules and regulations of each account which is accessed t>y such Card. 2. USE OF PERSONAL IDENTIFICATION NUMBER ("PIN") WRH ATM CARD You understand that a STAR SYSTEMS or a PLUS SYSTEM ATM Is an automated taller. tt can and will perform many of the same tasks as a human teller. You acknowledge that the Personal Identification Number or PIN which you use with the ATM CARD Is your signature, identifies the bearer of the Card to the STAR SYSTEMS ATM, PLUS SYSTEM ATM, or other network ATM and authenticates and validates the directions given just as your actual signature and other proof identify you antl authenticate and validate your directions to a human teller. You also understand that a Merchant which accepts iha ATM CARD for a Purchase transaction may have an electronic terminal (Merchant operated or Seff-Service) which requires the use of your PIN and wheh your PIN is used at a Merchant's terminal, it will authenticate and validate the directions given just as your actual signature will authenticate and vslidate your directions given to us. You arJtnowledge that your PIN is an identification code that is personal and confidential and that the use of the PIN with the ATM CARD is a security devise for your account(s). Therefore, YOU AGREE TO TAKE ALL REASONABLE PRECAUTIONS THAT NO ONE ELSE LEARNS YOUR PIN. 3. LIABILITY FOR UNAUTHORI2EDTRANSACTIONS -You agree to contact us at once if you believe the ATM CARD(s) issued to you or PIN Has been Post or stolen or money is missing from your acccurt(s). You also agree that if your monthly statement shows transactions which you did not make, and you do not contact us within 60 days after the statement was mailed to you, you may not get any money i lost after that time. YOU AGREE THAT IF YOU GIVE YOUR ATM CARO(B) and PlN TO SOMEONE ELSE TO USE YOU ARE AUTHORIZING THEM TO ACT ON YOUR i BEHALF AND YOU WILL BE RESPONSIBLE FOfl ANY USE OF THE CARD(s) BY THEM. You could loss all your money in the account(s) it you take no action to notify PSECU of the loss of your ATM CARD or PIN. Safeguard your Personal i Identification Number (PIN), oo not tell or disclose your PIN to any othor person. Oo not write your PIN on your ATht CARD. Do not keep a wntten record of your PIN near your ATM CARD. Do not choose a PIN that is easily identifiable. • _ __ _ __ __~ _ _ _._ _ ~ _ ' J=,(p,"~onic~pltds_7f~!is/er,.A.Thi.Agreernent__and l3@gulat/on_"E='_Ois~losurg (continued) A r.ew card may be ordered for you at that time and a "hold` will bs placed on your old card. After such time, if you find your o!d card, destrcy the ofd card by culling it in half. II you attempt to use your old card, it will not work. 4. CHARGES -Vou agree to pay a 50 cent cnarge for each depositor withdrawal ! exceeding 15 a month. You agree to pay the 50 cant penalty charge on any cash s disbursement transaction (loan advance or share withdrawal) that is less than S20. i You ag fee to pay a 25 cent charge on each balance inquiry. You may incur a charge j for anyad}ustment that needs to be made to your account resulting from an ercor you made while making a deposit of an Automated Teller machine (ATM). You agree to pay the charges or transaction tees which are charged by us for theca services or for services which may later be offered as such fees or charges may be imposed or changed from time to time. 5. DEPOSITS -Vou agree that when you make a deposit at a STAR SYSTEMS ATM that we Rave the right to verify the deposit before we make the money available to you. if you deliver cash, checks or other items to a STAR SYSTEMS ATM, you understand and acknowledge that the funds from your deposit may not be available for immediate withdrawal and that the availability of your deposit shall depend on our ! rules and regulations regarding the particular account in which you are making a I deposit, the kerns that you era depositing and whether the deposit is made at a STAR SYSTEMS ATM that is owned by us or another finandal institution. You also understand and acknowledge that not atl STAR SYSTEMS ATMS may accept deposits and same STAR SYSTEMS ATMS may limit the amount of lands which may be deposited and that we may not controt these limits. 6. LIABILITY - if the ATM CARD is Issued for a joint account, you agree to be jointly and severally liable under the terms of this Agreement and the agreement for such accourrt. You agree that if you make deposits or payments to your account(s) with items other than cash (checks, drafts or other items) and we make funds available b you from suds deposits prior to their collection, you agree that we may deduct the amounts of such funds from your account(s) which are not Collected or, i! the lands in your account(s) are insufficient at such time, you wilt promptly pay to us any amount of such funds which are not collected. 7. AMENDMENT OFTHlS AGREEMENT-You agree that from time to time we may amend or change the terms of this agreemerl including amendments or j changes b 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 i changes and your use of the ATM CARD after the effective date of any such i amendment or change shall constitute your acceptance of oral agreement to such . 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 that the ATM CARD is non- trans}arable. 9. DISCLOSURES--You heretry acknowledge receipt of the discbsure statement informing you of your rights under the Electronic Funds Transfer Ad and a copy of this Agreement. REGULATION "E" DISCLOSURE 1. ELECTRONC CHECK CONVERSIONlELECTRONIC RETURNED CHECK FEES - tf 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 deb}l your account for returned disdktaes.You are considered to have authorized these electronk: funds transfers if you complete the transaction attar being toil (oraly or by a notice posted ar sent to you) that the transfer may be processed electronbatly or N you sign a written authorization. , 2. SUMMARY OF CONSUMER LU-BILITY - • ATM, ACM end SST - Teii us at once if you believe your card has been bat or stolen. Telephoning is the best way to keep your possible losses down. You could lose all the money in your acCOUnt plus your maximum overdraft line a( credit. If you believe your card has been bat or stolen, and you tell us within two txuiness days after you learn of the loss or theft, you can lose no more than 550 H someone used your card without your permission. If you do not tell us within two business days aher you learn of the loss or theft of your card, and we can prove we could have stopped someone from using your card wittwut your permission if you had told us, you could lose as much as 5500. 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 nut get back any money you lost after the 60 days if we can prove that we could have slopped someone from taking the money ii you had told us in time. If a good reason such as a long trip or a hospital stay kept you from telling us, we f will extend the time periods. j ! 3. TELEPHONE NUMBER AND ADDRESS TO NOTIFY OF UNAUTHORIZED TRANSFERS - • ATM -Contact PSECU at (800) 237-7328 EXT 3806 (nationwide) or (717) 234-8484 {in Harrisburg). After hours, follow the menu opt{ons on PSECU's ' voice mail system to report a lost or stolen card. For Visa Credit or Debit ' Cards, follow the directions tor. Lest Ciard Notification mroer the Visa Credir Card Agreement and Truttt-in-Lending Disclosures section of this document. • ACH and SST -Contact PSECU at (800) 237-7328 (natior+.wide) or (717) 234-8484 (in Harrisburg). , Or write to us at: Pennsylvania State Employees Credit Union P.O. Box 67013 Harrisburg, PA 17106•.'013 PSECU Business Hours: 8:00a.m.-5:00p.m.M-F TDD (800) 472-1967 PJationwide (717) 777-2100 in Harrisburg 4, FINANCIAL INSTITUTION'S BUSINESS DAYS - • ATM, ACH and SST - PSECU's Business Days are Monday through Friday, Holidays not included. 5. TYPES OF ELECTRONICTRANSFERS ACONSUMER MAY MAKE -- • ATM -Balance inquiries an checking, savings and PSL; withdrawals from checktngisavinga; cash advance from PSL; deposits to checking/savings; purchase goods and services at any accepting retail estabiisttment, • ACH - Preautttortzed debits and credits to checking and savings. • SST - Balance inquiries and transaction histories on all share, certificate and loan accounts: transfers from any share to another share or loan account from your PSL to any share or loan account; withdrawals from any share except IRA shares or certificates. 6. ANY CHARGES FOR ELECTRONIC FUNDS TRANSFERS OR FOR THE RIGHT TO MAKE TRANSFERS - • ATM -Fifty cents for each disbursement (cash advance or withdrawal) Isss than S20; fifty cents for each transaction over 15 per month; 25 cant for each balance Inquiry; and there may be an additional charge for any adjustment that needs to be made to the account of any member who snakes an error while depositing at an Automated Teller machine (ATM). • ACH - $3D service charge for insuffclent funds for each electronic transfer. • SST -none 7. SUMMARY OF CONSUMER'S Rit3fi7 TO RECEIVE DOCUMENTATION OF EFTS - • ATM -You are entitled to receive a printed rek~ipt at the time of each transaction. You will receive a monthly statement sftowtrtg the status of your account, any transactions made during the month, arld arty penalties or charges PSECU may impose during the month. • 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. • If you have arcanged to have a direct deposit made to your amxunt 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. 8. STOP PAYMENT R1GHT3 -PRE-AUTHORIZED TRANSFERS - • ATM and SST -Not applicable. • AGH -Right to Stop Payment and Procedures for doing so. 11 you have told us in advance to make regular payments out of your atacount, you t;~trt stop any of these payments. Ware's how: Call us at (800) 237-7328 (Natkxtwide) or (717} 234-8484 (Harrisburg) or write us at Pennsylvania State Employees Credft Urtion, P.O. Box 67013, Harrisburg, PA 1710&7013, In time for us to receive your request three business days or more before the payment Is scheduled b be made. If you call, we may also require you b put your request in writing and gat R to us within 14 days after you call. • Notlet of Varying Amounts. it these regular payments may vary In amount, the person you are going to pay wl6 teq you, 10 days before each payment, when it will be made and how much tt will be. You may choose Instead b get this notice only when the payment would dtfter by more than a certain amount from the previous payment, or when the amount would tali outside certain limits that you set. • LIablHty for Failure to Stop Payment of Presuthorhed 1'ransfan. If you order us to stop one of these payments three business days or more before the transfer fs scheduled, and we do not do so, we will be fable for your losses or damages, unless we request and do not receive written confirmation of an 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 falls to complete a transaction on Lune or in the coned amount, when propery instnrcted by you, PSECU will be liable for damages ~ caused tsy our failure unless: (1) there are insufficient funds in your account b complete the transfer; (2} the funds in your account are unco6ected; (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; (7] PSECU has reason to believe that the transaction requested is unauthor(zed; (B) the failure is due to an equipment breakdown that you know about v+hen you started the transaction at the STAR Systems, PLUS System; (9) the failure was caused by an act of God, fire, or other catastrophe, or by any other cause beyond control; (10) if you attempt to complete a transaction that, _ at a STAR Systems, PLUS System, or merchant terminal that is not a f=1~(I / oils 7rar~sJgO,,gTM Agrggmg_nf.af7cf~iegul,3t)q~."~° DiSdosyre (continued) permissible trartsac6on listed above; or, (t t) the transaction would exceed the, i security limitations on the use of your ATM CARD. I ACH and SST - If PSECU fails to complete a transaction on time or in the correct amount, when properly instn,ctad by you, PSECU wdl be liable for j damages caused by our failure unless: (1) there are insui tcient funds in your account to complete Lhe transfer; (2) the funds in your account are uncollected; (3} the funds are subject to legal process; (4) the transaction you I ret)uest wauid exceed the funds in your account plus any available overdraft i credit; (5) PSECU has reason to believe that the transaction requested is unauthorized; (6) the failure was caused by an act of God, fire, or other j catastrophe, or by another cause beyond control. in arty case, PSECU shall i be Liable only for actual proven and not consequential damages if the failure to make the transaction resulted from a bona fide error despite PSECU's l procedures to avoid such errors. i 10. DISCLOSURE TO THIRD PARTIES - • ATM, ACH and SSt -PSECU will disclose information about your account to third parties: (1) when tt is necessary to complete transactions: (2) to verify the existence and standing of your account with PSECU upon request of third party, such as a credit bureau; (3) to comply with govemment agency or court orders; (4) in accordance with your wrihen permission; (5) to comply with government or administrative agency summonses, subpoenas, or court orders; (6) on receipt of certiticatfon from a Federal Agency or department that a request for information is to compliance with the Right to Financial Privacy Act of 1978; Regulation P, Privacy at Consumer Financial Information; and (7) when it fs necessary to take legal action to recover shares. 11. STAR SYSTEMS SERVICES - • ATM Only -You may use your ATM CARD with your Personal Identffication Number (PIN) at STAR SYSTEMs located in Delaware, Maryland, New Jersey and Pennsylvania to t~nduct any of the following transactions for the # accounts accessed by your ATM CARD. i a) getermine the account balance(s) of your Checking your Regular i Shares, and your Personal Service Loan (PSLy. b) Withdraw cash from your Checking and your Regular Shares. c} Make a cash advance from your Personal Service Loan (PSL). d) Deposit currency, chedts, or drafts (coins are not acceptable) for iransm'tssion to PSECU for deposit in your Checking and your Regular Shares. NOTE: There are limfted 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 Service Loan. Not ell ATMs may axept deposits. There may also be limits on the amount of funds which you may deposit fn certain ATMs. 12. PLUS SYSTEM• SERVICES - • ATM Only -You may use your ATM CARD with your Personal Identification i Number {PIN) 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 the accounts accessed by your ATM CARD. II a) Determine the account balance(s) of your Checking, your Ragutar Shares, and your Personal Service Loan (PSL). i b) Withdraw. cash From your Checking and your Regular Shares. , 1 c) Make a trash advartCe from your Personal Service Loan (PSL). NOTE: Deposits are not available through PLUS SYSTEM ATMs. These era the STAR SYSTEMs servkes currentty avat'lable through the PLUS SYSTEM network. Other services may be offered in the future. 13.OTHER ATM NETWORK ACCESS - • ATM Oniy -From time io lima, PSECU may make arrangements 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 tie described. 14. PURCHASE TRANSACTIONS - j ATM Only -You may use the ATM CARD to purchase goods and services i ('Purchase') at any retail establishment (`Merohant') where ATM CARDS are i accepted by such Merchant. The amount of all such Purchases wilt be detlucted from your Checking. When you make a Purchase using the ATM CARD, you will be requesting PSECU to withdraw funds from your Checking s in the amount of the Purchase and directing PSECU to pay these funds to 1 such Merchant. j 15. LIMITATIONS ON THE USE OF YOUR ATM CARD - i ATM Only -You may withdraw up to S500 par day from one or a combination i of your accounts by using a ATM CARD provided the funds are available at a STAR SYSTEMs or PLUS SYSTEfr1 ATM. In addition. you may E withdraw!purchase up to 5500 2t point of s21e locations. PSECU reserves the -__- nght 'o reduce this Caily rim+t at any !:rre. In the evert that your dairy lima is less than 5500, PSECU will advise ycu of the new Imitation. rho day for i withdrawal limits starts at 12 midnight each day and reds at t2 midnight the j next day. For security purposes. there are also curtain daily lirn~tations on the i frequency of use of the ATf•,1 CARD. Hov:over, !hose limitations are not revealed for security reasons. Tha Pennsylvania State Employees Credit Union is not obliged to maintain such limitations. I You will be denied use of your ATM CARD if you exceed the daily withdravrei/purchase limit, ff you do not have adequate funds available in your account, do not enter the correct Personal Identification Number (PIN}, or exceed the frequency of usage limitation. The receipt provided by the STAR SYSTEMS or PLUS SYSTEM ATM or Merchant terminal will notify you of the denial. There is a limit on the number of such denials permitted. Attempts to exceed the limit will result in machine retention of our ATM CARD. The number of attempts that result in machine retention is not revealed for security purposes. 16. ERROR RESOLUTION PROCEDURES - • ATM, ACH and SST - In Casa of errors or questions about your transactions: Direct inquiries to PSECU at ($00) 237-7328 Nationwide, TDD (800) 472- 1967 Nationwide, (717) 777-2100 in Harrisburg, or write PSECU at: Pennsylvania State Employees Credit Union, P.O. Box 67013, Harrisburg, PA 17106-7013, as soon as you can if you think your statement or receipt is wrong, or if you need more information about a transaction listed on the statement or receipt. PSECU must hear from you no later than 60 days attar R sent you the first statement an which ttte problem or error appeared. You must provide the following information: (a) Your name, account number, and ATM CARD number (if a ATM transaction), or reference number (if Self- 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 orally, you must sand your complaint or quostion in writing within 10 business days. PSECU will tell you the results of the irrvestigation within 10 business days for STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE TELEPHONE, or DIRECT OEBfT/CREOR TRANSACTIONS, or 20 daytt for STAR SYSTEMS purchase transactions. If we need more time, however, we may take up l0 45 days for STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE TELEPHONE, m DIRECT DEBITICREOIT TRANSACTIONS or 90 days for STAR SYSTEMS purchase transactions. It PSECU decides to do this, it will recred'rt your account wi#tin 10 twsiness days br the amount you think is in error if ff is a STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE TELEPHONE, a DIRECT OEBIT/CREDIT transaction, or 20 bustrtess days if it is a STAR SYSTEMS purchase transaction. You will have the use of the money during the time it takes to t~mplete the investigation. M PSECU does not receive your complaint or questlon in writing within 10 iwsiness days, PSECU may not recredit your account If PSECU decides there is no error, you wiq he advised within three twsiness days attar the investigation is completed. You may ask for copies of the documents PSECU used in the investigation. If PSECU credits your account while investigating, you must repay those funds if PSECU concludes rto error has occurred. 17. ATM SURCHARGE - If you use an ATM that is not operated by us, you may be charged a tae by the ATM operator and try any national, regional or kx;al network used in processing the transaction (and yrou may be charged a fee for a balance inquiry even if you do not complete a fund transfer). The ATM surcharge will be debited hum your akxwunt ff you elect to complete the tn?;rtsaction. Natice7o Consumers Using ATM's • Be alert to your surroundings. If you doubt the safety of a particular location, Choose another ATM. • tf the ATM has an entry door, close the door prior to initiating your transaction. • Put you(cash away immediately: • Direct complaints concerning ATM security to an appropriate department of the owner of the ATM. New Jersey residents: you may call the New 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. __ _ C ~ V ~ ~K ,'E ~ 1 T O't tp ~ 0. ~, C N•- 9 P t ~~~ C~_ 0 1,1 1 C P O . u~5~ 2F ~o ~; m3~v ~+i 4~ O a j L O: ti ^+ u 8a.s4 ~' ~~ye i c~~E~.Y p~ Y~^ S4~ C~ O ~ '~ 0 Y 3 -S '" ~ 4 '4 0 'II ~5 =~ ~_ ~~ c`o1 -o`er" ~ o.:c .Y s o' 3< r V J 4 U ~s g' ° -t ~ .c is ~ 3~ 0 5 a C ~ _~ ~~ 4 a X t .. d a 0 t , ~ O ~N .1 p Y_ ~' L° 6 S ._ W 0~ s zy ~ 9~ g Z ~.~' I nos J~~ ~~ o e g a C. OS O C O 3 .7, $ ~~s3Ee3 ~1~E~=a ~$~~3~e'~ yt y_ r ~~.E ~y ~~N C~ ~ g ~ ~ 3Y s~°£9 S~ ~U'~'a ~C53~g~ ~s?" ~° q~ '-~3~3~~~~~~~~ ~ g g3~~~~ x a . a i e ~~~~d~~g~~ a~~~~ .~ y ~~~ a~ _ ~ ~~ "~~ a ~~~. ~~~~ C ~ °R ~~ ~ °Jt ~ ~ a e` o ~ ,. .~~~~$ ~ ~_ e~~~~ 44 3 °Q s~ E'~ 5,~~ 5 yp ~ ~ .O C e d C e ~~V~~ ~ b~ ~ ~ ~ U C G •~ ~ ~ ~ O L F ~ pp ~y~y o o $ $ ~~ o ~~ ~ ~ ~ ~ ~ . '° ~ g E ~ ° ~ E u '~ S ~ ~ .~ a p c Y~gP f ~ xx s a~om ~ ~ ~~~ 3 ' r = ~~a j -' V ~ ' ~ o ~ e ° g ~ ~ ~ .D S-4~QB s W i p Q .a ~ ~ ° ~ ~~.g 3 a 3 r s s c W Z ~ $ g ~~~g~w ` 2° J ~ ~ ~ ~ ~ d s s Y a a ;~ . ~ ~ k7 _" Q ~ _ ~'a ~ u ~ ~=;=sue x1C a F ~y~~3o ~ ~~v ~ ° n sox c7 5 } O r-_ .S d _ ~ O4 ~ r£n C 2 ~i ~~ as ~`~d ~ ~'~~n ~ ' ~ p CZ ,,, F' o 1 - O• ^+ ~~~ ~ ~ O~~1 C i o o ~ a ~ ~ $ # ~3s8~ 8 ~`RS~~f;Bm$:R `o . o -G c ~ o.~«- ~ _ ~ s pO CGTi 8OC YLi0 ~ opf] Cp p d ~ S ~ ~M~ ~ ~~Q O ypOA 4OQp5 /~UUt 4OpS pQ8 8~3O V G _ • } ~~Sf a.5p « O Sa O~O POOOO b e 2` ~ $ $ ~.= 3 "',~' 0338888933$ ~ $ : o~.a~,~~~' .~ m aogoAoAQooyo~oc~yo~.: q ~~ ~ ~~~ ~ ~ ~ 5.~~~tQb~2S~~25 n P a] r~ .O .rf t of N .- ~ g ~ 8 ~. ~ ds~ ~~~4 ~~; g 4 N~ c 4E4 ... ~ ~~tS 0 2 .~ 8 ~ ~. Egi~.~ au O 8g it 5~ ~~~~~~~ ~ _~ N..__~.~..._~_ E E M u~ V ~N3 ~, s~t~ob F ~` 8» ~ ~ ~• 88$ 8$888$ A 7 a ~"' ~ Z 'e ~-B ~< ~ 8~~ .syn. ~~~~~~~~~ s~° +~' u s ~'a ~ o~ 'g a D a~ ~~ae~m < et838838888St~~ ,U E~ ~~ $~ s e.~gny~oooooooR,o e~~ C a ° ~'c 08 0 $ ~ N N ~~ NbN N ~NH N N~ ~ Q Q O N NN HN N N N .C ~ WM C ~~ a .°.. o ° G ° ' 6 a y~Jr ~Ss~~~~ ~~~~~~~ ~~~~ .tl Y ` ~ 6. 666 MMM111 1V NfV N~ ~ u v b .p .p .p 'spy', ~ ~~ g _ .p .p ~ ~ ~ ~ R f • ~d:F~~ • ~ V ~~ y ~ F N a ~ _ _ 88'l ~Qp$l Mgppl pQ$O ppop pQ ~ _ p I1 Mppp! ~ippQp1 pQ eep ~~ ~ qpQ QQ qpQ ~ ppQ pQ$ ~ y~ j {f '0 _ { fa '~ R9 4999 Rq 4 R 'K ~1 9 4 `~{ ~ Q Q 0 C b x 'o v a 1 oqo, q O Q C 0. C /VNN N E a w $` ~ 3 ~a~~i ~i Q z ~ F~ v 2S o n L p~~bb~a yy o~g~~~p yy.ui252525 i °~ ~~ n 5 s 3 a $ p $ $ $o` YY ~$0 ~5$$y$ NN ~. aQ~~~ S ` ~~ $$ r p 7 y y { ° ~. ~~~ ~op~~m~mp~ppp~~ ~~R~~~~p~~ ~~~oo ~ ~°~~_. ~ Z N N N N N N N ~~ N N N N N N ~ J J J .J ~ ]~ N Y ~ Q y 3r s 8'~ ~~~ S~ ~~~ ~~ :9 E 6 ~~ V O o Q s S~ ~ s n8 ~! ~~E ~~ 'o~~ ~p s _y ii ~v ~~~ a N o Y ~ y ~~ g o ~ .s R c _~ . .. 'p o ~ 3 L °m ° v °-° ~'~ vod..uo m ~ a c i,`o~ ~ a ~~ E m ~° vUwi ~ ~ m » - 0 9 >. ^o c c ~ h - Q, o ° c = vm _ ar 2, m o_ a » •> >- i E c ~i= 5Q-cam m~ > E y c 3 »-o -U= o a o ° ~ u ~ ~ ° .a+ c ~ E tr w a L ~ o E ~ U ~ oEi ~ ~ d v y c m oc •E 3 ~ a a o` " o ;~ °' o. ° a < < o ~: ~ ~+ C O O H .:J > = u O$ c '° •g c OJ a v Q O ._ v~ W `J p Y° O y '=' ~C ..]C] y 6 a m m ro t O E J~ m C ;° m m F C ~ ~ fa O ~ 7 ..~_. [~ TY ~ C C~ 1 O m U ~ u d ~ ~ E~ 3 ~ a mQ ">?~'~UE ~~NC v°,~~o~~c o ~yd~oca~-a°m 3 n f ~ ~ o aT v N s .5 c '° `a ~ ~ y •d y ° o v X U a v r - a •° a 1 ~ ° 00 m - - °' ' m c E '^ ° ° f .- v m ~ d E ; rn a m = ° ; °, ~ ;, o °. c c .5 ~ m° .o o n o°~ o E a~ c v° f~~ o= _c 5 •-° f E n. t .._ _„ it m t ~ C O E u 0 _o y d Y _~ C O m~ y" 'a ~~ ° ~'^ d o m a .P~ m S ~ V~ 'F ~ E 'OV o °-' f,Y uv ~ o >r U a c E= o m~ cf ° a ~, 3 0 osU ~ c ~.ov ~ g-gay °/v >>.o > °N m~° 3 0 >,m u °' aa~';' ~'y E~v~_ o °? m„ 8~ E> m E o ~° `o a. » d~ ~~ -_ 'o g a ~~ m m a a Q c `p s a N qp~ m m~ ~Qa m g c® M m ~° c ~ m "° X •m m a° m ~ pp a o ~.. ~ N °, ~° O~ a u~ m 0 .li j M 0 ~ ,4 p m; m t C °. U of . V V S :._ CI O ~ m ~.n a ood~$• -$ m>~ c ~ m.o~ »i4 i c°~~~ r~ Doti u w m ~ m t ~ ~ m ~ f r ~ m ~ a .n °• a E y `° D o g o' ~a~$'v° o~w o'a~~"m ~s.°~ v i.~r ~ E=~ a o-°~=~ i o o` u o u'E c'o cg ~® m.x o~~a~Y y'o~ ~~~~ ~ o ca~O',~ m.a'a,,c ~ °c -o~'Ev E ~P u c »~ o c o m> m o o ai ~ ~~ c~ ~~ ~v a m' ~<~ m rncigga do°a=>t-o rn =ic >.aa~g~mmw.o~~_ai°Q'o macro a W m ~ ci ~ ° ,~ a ai c ~ a ~ m o t4 > v o a s $ ° . °'~'o~~'-~=•~ o~m~`-~°E $f~'=d`i_m?!~$~"'au,E.~mgi;-°°='a a o> ~~~ ~3 m 3 m m g m c tm o$ .E ~ a c o •3 x; °~ ~ ~ rn w " ,~ = o c 2 v° ''c~`N~~~uE~~wg>auEam.°~~~v^~+._ e~1$°~»3g'~g~ a' 'c o_uU, d ~ o u5- ~ a ~ a o.c 0 o c 5 °~ m,m °1au° ~ c m o-cm. °~ a ~U t °'m U c.r~ _a d E. ~'i dU.c u;; c•~'Gf aci v~ rn'3w~ ''~ ~ ~~~"'' ~ u ~ m~ c 5 c m ° ; °rLL' m n.~i •c c E o m ~_E £ ~. f O ~~ ~O C °o J ~~~ w ~1G~L am a"y'Ct~r Env V'O m c m »t N $ m -,^~ ; ° ~.-.VAS o m ~ $ m > m m ms E cv~ ~°' u ~U E m ov a~-'~ °~ ~.a ~~ EL~.n.o-°~tg-'~:o art v h-°f`L~r E o v f d m ~~o f `o ~ O P> o~ N N V~ pUU 8 A 8 2 'e V i OQ r aL ~ c e " e G _ 6 ~; • c 2, 9 U ~ 'a 'g C M u~ m ~~ a ~~C°i, ~ c$f~' -gs8 ~' gk8}}..p~ -yr~~~~. B.S •~L ~t 33.. ~ o O~HS~w ~ 4 t E ;~~~~~ o~~ u .~ ~_~$ $~ ~. ~ -s ~. a. o ~~N $~;~ Ls ~a~o~ V 03'3~~m~Q E~B o8~ o E x gv~8 n ~ ~$ ~~s~gtg° O p~~h~ u O 33 M ~y $ b' E c~ o E g~~!1 .; w ~. F „ V^ O~O ; ~O ] ;~up ~pN~ 1``4~OQa~60x3 pC~ p,~ ~•LON ~i G ~ C h ~ O.O ~ ~ O O oP ENO ~r-o NZ, nu (V 6 z: E J ao9g~c'~cm Yc-.~ ~Yn ^ov z v.p ' B~ Y NS S~iE CD uvi V~ 3~s ;,v &o!~ ~~go 3~ g~8 M M .... e ~ ~>M ~.~ ~s ~~».=~~ a ~ C £ .g ~~°~ ~~ s~~' ~$ ~ ~~~o ~aosE_ Y p ~>. ~~ ~+~,E ° c~'S~mrn '$ ; ~'- ~L ~~~'aeo~ o~cr° ~E-'c>^ ._Fa°'8 ~~ ~ ~ °N a pp 'D~ y VO $ V E~ C ~ TNO ~ma.`C~•roN u~ E~ ~ ~ Tta~~~'SQ y ~ m ~ V 3 d ca _`o ~ ~ E a~ X E o M ~..>E C^ 8~•~ve~° s o c.c E _~ 2 O d Q h0 py~ ST NaDO(~ap.- h.p^~O•N OhNNNh N~OlOhO`O aDaO~'O H1 V' YIh N(V r 00.O~aahh h~O ~ON~fiV YMMNN'- YY'~tVRY 4VOOYC Of7MMMM Mt7 fhM MFf _Ml7<'1_Ml_7_M CCOG00 006000 000000 000000 OOOCCO' 0 O pp _ N fh'P ~A ~Ohap O~O^'NMY h~OhaDPO NMVN~O haOpp00 000000 O^^.-.-~- .--.N N O~O.O~O.O-P O~PP.-^.- .-.-.-.-.-^ .-^.-^.-.- .-.-.-•-•-•-- o~. m OL m ^t")~OMNO `OOu'1.-100 ~fh VMNM 1'~fM V1~01[7P O.-Y1~COP'f Yyyy,,,,,,,,~~~~ PaO ~O ill Yt7 OPaO ~~pp 47 QM N~-00• ~h~ONCM lhN~-00.0. a~ ^hhhhh hh~O~p ~O `O ~Od ~O ~a •aN NhH1MN ~!)K1hNYV x 000000 000000 000000 000000 000000 Q ~, u~i ~ONOd~~d v~d~i:n rM.r~. ~nnm rP. ado ao aNO aMOa`to mo~OO OhDaCOOa°Oa 0 O•PC'~aOh NOO~iMO m O~-hsf OHO NO~OM Oap U NNNNNN NNNNNN m 000000 000000 NMVN~O haD O.O^N l")MMfhMM MP7M V R V .C rrr-•11 `c OOONh~p NOOhh~ OOOO~NO. hh0aapy~ O ~ OOOfh ~Oh MOtD y~QN c ooo~nv~vi ~~v,avv, >O 0000C0 000000 NY1PY•OaD NSA ~Oh'00 O~00 a01~C0pp.. _NNPh NN aO ~O ~tM^ aahvlMNO -0000 00.0•O•AP aD aDa0a0Oa0 NNCV(VNN N~-^.-^.- ^ 000000 000000 000000 f")Y~A ~OhaO PO^NMV v1~Oh/aP0 VY<~a'QR V~ANV'fhN ~u1 VfNN~O a~Y VC7 aD a0 `ON-cO C70 Nh O•MOO SON aO Y~lY QYI~aD.-Vt a0^h.-h.- 00•hgNV c7N-OOP aDaahh~O ~O ?~?~")~")t7 ~`7 C7 C'~1")f7MN NNNNNN 000000 000000 000000 N y ~^NM7N~0 ha0P0^N c7sfv'1~Ohap OHO.-NCIV V1~Ot~aD0~0 o. ^^^ ^^^~^^ ^NNNNN NNNNNC'f gF O P r a Y SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor ~$~,~tr of U~ewbrr/,~~~ ~ ,:~ „ ~, r. ;~ Ira '~'~:t> '' . :',- .. ~y~ s~FMCE!;~ r~E5K8RIFF ~,' ~_ ~N'. `'` ' ~,,`, f ~, I ~- ~ ~ r. i Pennsylvania State Employees Credit Union I Case Number vs. Sandra P. Tran 2008-2263 SHERIFF'S RETURN OF SERVICE 08/02/2010 07:26 PM -Ryan Burgett, Deputy Sheriff, who being duly sworn according to law, states that on August 2, 2010 at 1926 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Sandra P. Tran, by making known unto herself personally, at 219 S. 18th Street, Apartment 1, Camp Hill, Cumberland County, Pennsylvania 17011 its contents and at the same time handing to her personally the said true and correct copy of the same. SHERIFF COST: $41.94 August 03, 2010 ~~ .~ RYAN BURGETT, DEPUTY SO ANSWERS, RON R ANDERSON, SHERIFF (c) CountySuite Sheriff, TeleosoR, Inc. FlP6-'-CE 7D ..9 P4 2: 09 CUIu .:- :j ..,C)UNTY PENNSYLVANfA BARLEY SNYDER LLC Keith Mooney, Esquire Court I.D. No. 74001 50 North Fifth Street P.O. Box 942 Reading, PA 19603-0942 (610) 898-7155 Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. SANDRA TRAN, ndant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 08-2263 PRAECIPE FOR JUDGMENT Enter Judgment in favor of Plaintiff, Pennsylvania State Employees Credit Union and against Defendant Sandra Tran for want of an answer in the amount of $10,483.65 plus interest and costs of suit. (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. ( ) 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. 4I4.oo PQ Am%( 0# ua?f7aa a4'74q 7 No4ice M"4 30093881 08-2263 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. (X) Pursuant to Pa. R.C.P. 237. certify that written notice of the intention to file this BARLEY SNYDER LLC Date: By: Keith Mooney, Esquire Court I.D. No. 74001 Attorneys for Plaintiff Pennsylvania State Employees Credit Union 50 North Fifth Street P.O. Box 942 Reading, PA 19603-0942 (610) 898-7155 NOW, 2010, JUDGMENT IS ENTERED AS ABOVE. Prothonotary/Clerk, Civil Division By: F), J Deputy 30093881 08-2263 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY OFFICE OF THE PROTHONOTARY CARLISLIE, PA TO: Sandra Tran Defendant YOU ARE HEREBY NOTIFIED that Pennsylvania State Employees Credit Union has caused a judgment by default to be entered against you with the Prothonotary of Cumberland County. The judgment was entered on -gig /10 , to No 08-2263 with the Court of Common Pleas of Cumberland County - Civil Division. The judgment is in the amount of $10,483.65, plus costs of suit. By: 30093881 PR ()TH(_1N()T A R V 08-2263 BARLEY SNYDER LLC Keith Mooney, Esquire Court I.D. No. 74001 50 North Fifth Street P.O. Box 942 Reading, PA 19603-0942 (610) 898-7155 Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 08-2263 SANDRA TRAN, NON-MILITARY AFFIDAVIT COMMONWEALTH OF PENNSYLVANIA COUNTY OF BERKS : ss Before me, the undersigned authority, personally appeared KEITH MOONEY, ESQUIRE, who being duly sworn according to law, doth depose and say that Sandra Tran, the Defendant, is not in the Military or Naval Service based on the following facts: Age of Defendant: Last known place of employment: Last known residences: SWORN TO and subscribed before me this day of September, 2010. unknown unknown 219 S. 18th St. Apt. 1 Camp Hill, PA 17011 Notary Public 30093881 08-2263 BARLEY SNYDER LLC Keith Mooney, Esquire Court I.D. No. 74001 50 North Fifth Street P.O. Box 942 Reading, PA 19603-0942 (610) 898-7155 Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. SANDRA TRAN, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 08-2263 PROOF OF SERVICE COMMONWEALTH OF PENNSYLVANIA COUNTY OF BERKS ss. Kelly Cunneen, Paralegal, being sworn according to law, deposes and says that she served a true and correct copy of the 10-day Default Notice upon Sandra Tran at 219 S. 18th St. Apt. 1, Camp Hill, PA 17011 by regular mail on August 24, 2010 at 5:00 p.m. Sworn to and subscribed before me this day of , 2010 Notary Public BARLEY SNYDER LLC By: Kelly Cunnee Paralegal 50 North Fifth Street P.O. Box 942 Reading, PA 19603-0942 (717)-399-1528 29922461 08-2263 BARLEY SNYDER LLC Keith Mooney, Esquire Court I.D. No. 74001 50 North Fifth Street P.O. Box 942 Reading, PA 19603-0942 (610) 898-7155 ndant PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. SANDRA TRAN, To: Sandra Tran Date of Notice: August 24, 2010 Attorneys for Plaintiff Pennsylvania State Employees Credit Union IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 08-2263 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 PAPER TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE FOLLOWING OFFICE SET FORTH 29922461 08-2263 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 ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 (717) 249-3166 800-990-9108 BARLEY SNYDER LLC By: Keith Mooney, Esquire ' Attorneys for Plaintiff Pennsylvania State Employees Credit Union Court I.D. No. 74001 50 North Fifth Street P.O. Box 942 Reading, PA 19603-0942 610.898.7155 29922461