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HomeMy WebLinkAbout08-3617 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff VS. JASON T. DICKERT Defendant a 4Vi1-Fervt : NO. 08 - 31017 : CIVIL ACTION -LAW NOTICE TO DEFEND Pursuant to PA RCP No. 1018.1 You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after the Complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CAN NOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717)249-3166 1-800-990-9108 Document #: 180057.1 EN LA CORTE DE ALEGATOS COM UN DEL CONDADO DE CUMBERLAND, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES NO. CREDIT UNION, Plaintiff VS. JASON T. DICKERT . 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 Demanda y Aviso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando por escrito con la Corte sus defenses o objeciones a las demandas puestas en contra usted. Usted es advertido que si falla de hacerlo el caso puede proceder sin usted y un jazgamiento puede ser entrado contra usted por la Corte sin mas aviso por cualquier dinero reclamado en la Demanda o por cualquier otro reclamo o alivio solicitado por Demandante. Ustedpuede perder dinero o propiedad o otros derechos importante para usted. USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSEGUIDA. SI USTED NO TIENE UN ABOGADO, VAYA O LLAME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717)249-3166 1-800-990-9108 Document #: 180057.1 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, . Plaintiff VS. JASON T. DICKERT . Defendant NO. ©f'. - 34, / 7 Ct;4 72.__ 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, Jason T. Dickert, is an adult individual with a last known address of 2610 N. Rosegarden Blvd., Mechanicsburg, PA 17055-5311. 3. Defendant is, and at all relevant time material hereto has been, the primary loan applicant. COUNTI BREACH OF CONTRACT-PERSONAL SERVICE LOAN 4. Paragraphs 1 through 3 are hereby incorporated as if more fully set forth. 5. Defendant applied to Plaintiff for a personal service loan. 6. The application submitted by Defendant was approved by Plaintiff. Document #: 180057.1 7. Pursuant to the Loan Activation Notice, 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 Loan Activation is attached hereto, incorporated herein and marked as Exhibit "A". A true and correct copy of the Loanliner Credit and Security Agreement is attached hereto, incorporated herein and marked as Exhibit "B" 8. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms and conditions of the Contract marked as Exhibit "B". 9. Various charges and payments were made by Defendant on the account. 10. Defendant has defaulted on the loan by failing to make timely and regular payments. 11. The last payment made by Defendant was on March 9, 2006. 12. Defendant is required under the contract to make regular and timely payments. 13. Plaintiff has maintained a statement of account keeping an accurate and running amount of debits and credits made on Defendant's account. 14. Plaintiff has submitted to Defendant a copy of the statement of account accurately showing all debits and credits for transactions with Defendant. 15. Defendant has not objected to any of the monthly statements of account submitted by Plaintiff to Defendant. 16. Despite Plaintiff's reasonable and repeated demands for payment, Defendant has failed, refused and continues to refuse to pay all sums due and owing on Defendant's loan account balance, all to the damage of Plaintiff. Document #: 180057.1 17. As of June 13, 2008, the balance due, owing and unpaid on Defendant's loan account with Plaintiff is the sum of Seventeen Thousand Forty-One Dollars and 96/100 ($17,041.96). 18. Pursuant to the terms and conditions of the extension of credit contained in the Contract, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest charge on the principal loan balance. 19. Due to the default of the Defendant and pursuant to the terms and conditions of the Contract attached as Exhibit "B", attorney's fees in the total amount of Three Thousand Four Hundred Thirty-Three Dollars and 39/100 ($3,433.39) have been added to the account. 20. Any and all conditions precedent to the bringing of this action has been performed by Plaintiff. 21. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, respectfully requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant, Jason T. Dickert, in the amount of Twenty Thousand Four Hundred Seventy-Five Dollars and 35/100 ($20,475.35), plus interest, the costs of this action, and such other relief as the Court deems just and proper. COUNT II BREACH OF CONTRACT-SIGNATURE LOAN 22. Paragraphs 1 through 21 are hereby incorporated as if more fully set forth. 23. Defendant applied to Plaintiff for a signature loan. 24. The application submitted by Defendant was approved by Plaintiff. Document #: 180057.1 25. Pursuant to the Loan Activation Notice, 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 Loan Activation is attached hereto, incorporated herein and marked as Exhibit "C". A true and correct copy of the Loanliner Credit and Security Agreement is attached hereto, incorporated herein and marked as Exhibit «D„ 26. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms and conditions of the Contract marked as Exhibit "D". 27. Various charges and payments were made by Defendant on the account. 28. Defendant has defaulted on the loan by failing to make timely and regular payments. 29. The last payment made by Defendant was on March 20, 2006. 30. Defendant is required under the contract to make regular and timely payments. 31. Plaintiff has maintained a statement of account keeping an accurate and running amount of debits and credits made on Defendant's account. 32. Plaintiff has submitted to Defendant a copy of the statement of account accurately showing all debits and credits for transactions with Defendant. 33. Defendant has not objected to any of the monthly statements of account submitted by Plaintiff to Defendant. 34. Despite Plaintiffs reasonable and repeated demands for payment, Defendant has failed, refused and continues to refuse to pay all sums due and owing on Defendant's loan account balance, all to the damage of Plaintiff. Document 4:180057.1 35. As of June 13, 2008, the balance due, owing and unpaid on Defendant's loan account with Plaintiff is the sum of Eight Thousand Nine Hundred Sixty-Three Dollars and 13/100 ($8,963.13). 36. Pursuant to the terms and conditions of the extension of credit contained in the Contract, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest charge on the principal loan balance. 37. Due to the default of the Defendant and pursuant to the terms and conditions of the Contract attached as Exhibit "D", attorney's fees in the total amount of One Thousand Seven Hundred Ninety-Two Dollars and 63/100 ($1,792.63) have been added to the account. 38. Any and all conditions precedent to the bringing of this action has been performed by Plaintiff. 39. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. Document #: 180057.1 WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, respectfully requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant, Jason T. Dickert, in the amount of Ten Thousand Seven Hundred Fifty-Five Dollars and 76/100 ($10,755.76), 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: 4y4w via 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: Title: 6&ITL-17 Date: l -N-D% EXHIBIT " A" i 7 t i Loan Information December 1, 2005 Ref 502144 327 Approval Amount: $17,000.00 Account # : 3550 Applicant: JASON DICKERT Home Telephone #: Work Telephone #: I acknowledge receipt of the PSECU LOANLINER® Disclosure and Credit Agreement and agree to be bound by the terms set forth in said agreement. ?Y' _ -'1 ?-?-- 1 t 03 05 Signature of ASON DICKMT Date • I would ltflce an immediate Personal Service Loan advance of S . Purpose: Send a ? Check or ? Deposit to my Share 4 • Se!;A your Personal Service Loan repayment option. .Sr Automatic Transfer from PSECU account ? Homebanking ? Payroll deduction ? Direct Payment from another financial institution ? Self Service Telephone • For overdraft options, complete the enclosed Overdraft Transfer Service sheet and return it with your Activation Notice. ? ?? ?• X30 5?1? t? 0 EXHIBIT "B" 9 PSE(O Pennsylvania State Employees Credit Union PO. Box 67013 ! Harrisburg, PA 17106.7413 1 (717) 234-8484 Harrisburg, (800) 237.7328 Nationwide the financial link* Loan Disclosures This LOANUNEW Credit and Security Agreement, which includes the Truth in Lending Disclosures, wig 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 tine to time, you will borrow money (caged "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 crod'A (called'subaccotmts') 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 determinrhg the payment amounts. CREDIT LIMIT - We may, but do not have to, establish a credit limit on certain subaocounts. If a credit limit is set for a subaccourt, you promise not to exceed the established credit limit. It you exceed the credit limit, you promise to repay immediately the amount which exceeds the credit omit. REPAYMENT - You promise to repay all amounts you owe under the Plan plus crdaraae ilia at,tfae of the morit h unless we seta different day at the time of an advance. It the Addendum has no payment schedule for a subaxauht. your payment will be determined at the time of each advance. Payments mom 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 it you prepay, you will stilt be required to make the regularly scheduled payments unless vve agree in writing to a change in the payment schedule, It you have a joint sharedraft account, you will be responsible for paying all overdraft advances obtained by a }chit holder of the sharedraft account Unless otherwise required by law, payments will be applied to amounts owed under the Plan, in the manner the Credll Union chooses. PLAN ACCESS -You can obtain credit advances in any manner authorized by us. N we allow you to use your ATM/Oebft card to access the Plait, you rosy be liable for the unautAcrived use of your ATM/DoW card. You will not be 11" for unauthorized use that occurs altar you molly us, orally or in writing, of the toss, thoft, or possible unauthorized tae. If you beleve your ATM/Det* card has been lost or sioktn, unmade* k*rm the Credit ijNm by cal*V or writing its at the telephone txrnber or address Visit appears elaswttwa in the Plan. it the card is used to tnlrtah unauthorized advances directly from the Platt, your liablity will not nosed $W. # the unauthorized tvilthdranvd is nom a tdtaedraR aaoorart, your liability is gousrnsr by the Regulation E ciecboaures you received st the ulna you received ycuir ATM card, Even A the wNtKlrawal msutb in an advterx a being made from your ovartfraft subscocunL FINANCE CHARGE - The dollar amount you pay for money borrowed is caged a -Iknance cw'ge_ 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 rsr?e, the unpaid balannce br each day since your test payment {or slice an advartM if yyoouu have not yet made a ptrynterrt) is mutt?liad by the appik daily finance periodic rage The aatt d ttnese amounts is the finance charge owed. The balance used to Nine grterfCe cher? is the unplalf balance each dsy a#tar payments and cradle tD that befathco hays been subtracted and arty additbna to the balance hays them made in sdtitocn fo interest we Wray charge other finance charges which we efisciosed ova the Addendum. t the }Merest rate ins a varratle interest rant, the Axideridum sloolns how the variable interest rats works. SECURITY -You pledge as $so^ for the Plan an shares and dividends and, if ally, an deposits and interest in all joint and individual accounts you have with us now and in this future. N a specific dollar amount is pledged for an advance, we will trseze shares in Nutt stxx»nt to the extent of the outstanding balance for the advance. Ofherwiss, you pledged shares may be withdrawn unless you are in default. The fOQONYing paragraph applies In ail states axed In Ohio, Rhode island and Massschusetfs: We have a statutory alert out the shares and dividends and. N arty, the deposits and Interest in all individual and joint accounts you have with us and may exercise our rights under the Ban to the extent permitted by state law. (We are state chartered N our name does not Include the term "Federal Credit Union. For all borrowers: The statutory lion and/or your ptadga will allow us to apply the funds in your so 8) to vvl4st you ours when you we in default. The stahrlorY Oars and your pledge do not apply to any Inttividual Ratimment AcaCChWht or any other aoeaenI chat would lose special tax treatment under state or federal law if given as security Additional asperity for the Plan may be required at the time of an advance. if a subaccourd iderMes a type of property (such as "New Cans' you must give that type of property as security when you get an advance under that subaxount A subaCOOunt 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 bans you have with us may also secure the Plan. CREDIT INSURANCE - Credit lite andior credit disability insurance is optional under the Plan. it 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 a aueu WiTu a GA0101140. at. 44: 86,39, 90 vs zoo, OT. De, 03. 04, 05, ALL RIGHTS xestRVeo 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. It the rates change, we will provide any notices required by applicable taw. 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 wig be notice to 0. JOINT ACCOUNTS -- If this is a joint account, each of you is individually and jointy responsible for paying all amounts owed, That means we can enforce out rights under the Plan against any one of you individually or against lie 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 jdnt accountholder may terminate the Plan by giving us prat written notice. It any of you terminate Me Plan, the Plan is terminated for all of you. You remain liable tndhridualty, and jointly for all advances Incurred before termination. FEW AND CHARGES - if you ghie us a security interest in certain types of property, we may charge you a filing fee to perfect our interest in the property! It 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 toes in connection with the Plan. Our current fees are disCbsed on the Addendum and will be added to your loan balance unless you pay them in cash. UPDAT940 CREDIT INFORMATION - You promise that you will promptly give us written notice It you move, change your name or empbymeM, or 4 any other changes. Upon our request, you also agree to us updated financialoInformation, provide DEFAULT -- The following parapyreph applies to borrawrs in Idaho, Kansas, Maine and South Carollne. 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 it we believe the pry patperformance, or realization on any property given as security Tills tel twing paragraph spptles only to borrowers in Wlaeonakt: You wul be in default N you tall to make a payment when due two times during any 12 moonth parkd.'ftu will be In default if breaking any promise made under it* Plan materially Irripairs your ability to repay what you we or materially impairs the condition, value, or protection of or our right in any property you gave as security. no toftwfiV paragraph applies only to bormwsn In 16* v. You will be in debug if you are more than 10 days late in making a payment You wit also be in default N 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, 7W ti?Now no' persQr *Ppaes to borrowers In all other stares: You, wig be in default N you do not make a payment of the amount required when it is due. You wiG be in default N 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 Ptam You will be In default if you die. Me for bankruptcy, become Insolvent, it 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 me. You will be in default if any property you have given us as security is repossessed by someene else, seized under a forfeiture or similar law, or N anything else happens that signif manly etiects the value of the property or our security interest at IL You wig also be In default under the Platy if you are in default under any other loan agreement with us. ACTIONS AFTER DEFAULT -- The IoA/owl»y paragraph appifias to borrowers in Colorado, Obttkt of Cofumbia„ /awe, Kansas, Malls, MWi sechuselta, Mksou4 Nob?asAay South trirv&w and West VirylnA When you are in default and after expiation of any right you have under applicable state few to cure your debug, we can demand immediate payment of the entire unpaid balance under the Plan wltaut giving you advance notice. The fb0owki g pwvpapph atppAm to borrowers it all other states except Wisconsin and Loutsiums. When you are in default, we can require immediate payment trent ?to acwider the ceiamte Plan. and notice d accany eelera you have (accolionation) O1a meen , notice o int demand for p Tho lbllowlreS Perry a apply to borrowers In all states except Wisconsin and Leursbrte: If ' to payment is demanded, you will continue to pay interest until what you owe has been repaid at the applicable interest rates in etRect or, it applicable, at the default rate disclosed on the Addendum. It a demand for imrnodiato 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 taw 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, 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 CPSM01 PSECU FORM 115146 ,, Q NLINER' Credit and Security Crnrtflt Air tesmenf (continued) e obtain a key or other device necessary to unlock and operate it, when you are in i default. We wilt not be responsible for any other property, 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. After we have possession of the property, we can sell it and apply the money to any amounts you owe us. We will give you notice of any public disposition or the date after which a private disposition will be held. Our expenses for taking possession of and setting the property *11 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 j fees to the extent permitted under state law or awarded under the Bankruptcy Code, You must pay any amount that remains unpaid after the sale money has been applied I to any unpaid balance under the Plan. You agree to pay interest on that amount at the I same rate as the advance, or, if applcabte. at the default rate disclosed on the 111 Addendum, untl that amount has been paid. The following pasgmph appilas only to Wisconsin borrowers: When you are in default and after expiration of any right you have under applicable state taw to cure your j default, we may requite immediate payment of your outstanding loan balance under the Plan and seek possession of property givers as security. You may vokmtarity give the 1 property to us N you choose, or we may seek to take possession of the property by padcial process, H we repossess the property, you agree to pay reasonable expenses incurred in disposing of the property. It the properly is a motor vehicle, mobile home, trailer. snowrl obile, boat or aircraft, you will also be required to pay any costs permitted l 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. Ybu 1 agree to pay Interest on any unpaid amount at the same rate as the advance, or, it i applicable. at the default rate disclosed on the Addendum, until that amount is paid. If the property is located outside Wisconsin at the time of detauft, we may take possession of the property without judicial process, If permitted by the state where the property is located. The folloWng paragraph appllea only to Louisiana borrowers: When you are in delaun, we can require immediata payment (acceleration) of the entire unpaid i balance under the Plan. You weave 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 unfid what you owe has been repaid at the applicable interest ratas in effect unless a default rate is disclosed on the Addendum. If a demand for immediate payment has been made, the shares and deposits given as security for fie Plan can be applied towards what you owe. We can also exercise any other rights givers 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 "to borrowers In Jfgnots: We have the right to change the terms of the Plan from time to lime after giving you any advance notice required by taw. Any change to the interest rate or either charges will apply b k" advances. The followfng paragraph applies only to borrowers in Maconsin: We can change the terms of the Plan from time to Carte in accordance with Section 422.416 of the Wisoonsin Statutes. You win be notifted of any change in terms. An Increase in the da" 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 gving us prior written notice. Your obligation to pay the unpaid balances under the lerrra of the Plan continues whether you or the credit union cancel the Plan, except to the extern that your labliny Is itmfted by Section 422.4155 of the Wisconsin Statutes. The kW*wktg pamrgnrtrh alppNss only to borrowen in lotus: We can change the terms of the Plan from Onto to tuna after giving you any advance notice required by law. A change that increases Cie rata of finance charge or other charge. that inar"ses the amptnt of your payments, or that otherwise adversely affects sixistkng balances will apply to existing balances only H you agree to the change or you use the Plan after reGelwing nodes that your use of the Plan means you agree the change applies to existing balances. At k9bi0ft parayyrrph slWfiilis to bnimawrs to all other sdMea: We have the right to change the forms 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 out discretion and subjed to any requirements of applicable law, will also apply to unpaid balances. The foilowiing paragraph applies to aH but YMiaconsfn borrvwom: An increase in the dally periodic date under a variable interest rate is not considered a change In farms under the Plan. We can cancel the entire Plan or any part of the Plan at arty time. You may canal 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 the ability to exercise out rights later. We can enforce this Plan against your heirs or legal representatives. H we change the terms of the Plan, you agree that this Plan will continue to protect t us. CONTINUED EFFECTIVENESS - If any part of this Plan is determined by a court to be urnanforceable. the rest writ remain in effect. NOTICE TO UTAH BORROWERS- This written agreement is a final expression of the caortt mt? between you of a„ he orCal addsam?e Union. This written agreement may not be tin tailoatay is tttgwind by verritimt talc - NOTICE TO CO-SIGNER --- YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. The following paragraphs apply if you give security in connection with an advance under the FIan.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 an property described in any receipt, voucher or other document you receive for an advance ("the Advance'). The security interest you give includes all accessions. Accessions are things which are attached to or installed in the property now or in the future. The security interest also includes any replacements for the property which you buy within 10 days of the Advance or any extensions, renewals or refinancing of the Advance. It also includes any money you receive from selling the property or from insurance you have on the property, If the value of the property declines, you promise to give us more property as security if asked to do so. WHATTHE 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 reftnancwtgs of the Advance. It also secures any other advances you have now or recetw in the future under the Plan and any other amounts or loans. Including any credit card loan, you owe us for any reason now or In the future, except any loan secured by your principal residence. If the property is household goods as defined by the Federal Trade 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 H 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 to sap or against the property that you have not already told us about. You promise not lit the Alam the dvance aid }yin to use it as you will allfor a kmn with ow no other security interest or lien un to attach i4 the property efther by s your ra actions or by operallon of tw. 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 Insurancs from anyone you choose woo 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 poky you get and pay for. You promise to make the insurance policy payable to us and to deliver the policy or proof of coverage to us it asked to do so. If you cancel your Insurance and get a refund, we have aright to the refund. H the property Is lost or damaged, we can use the Insurance settlement to repair the property or apply it wards what you owe. You authorize us to endorse any draft or check which may be payable to you in order for us to wOed any refund or benefits due under your insurance policy. You also promise to pay an lances and fees (tike registration fees) due on the property, If you do not pay the taxes or lees on the property when due or keep it insured, we may pay these obligations, but we are not required to do so. Any money we spend for taxes, fees or insu n snoe will be added to the unpaid balance of tine advance and you will pay Alorsst on Rosa amounts at the same two you agreed to pay on the advance. We may the f and Is e irourenoe ragtairemertts. H we add arnouatta for taxes teas or nrarre o dire unpaid balance of an ady?w?e may Increase your payments to pay the amount added within the term of rartoe or apprh>Ddmate term of the advance. INSURANCE NOTICE - If you do not purchase the required property insurance, the Mstuance 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 fight to purchase Insurance after uninsured coins" Is no Is lost or darriaged. The Insurance will not be tlablttty Insurance and efy any stste financial rooponsibbtity or no fault laws. PROTECTING THE SECURITY INTEREST - H your state Issues a MW for the property, you promise to have our security interest shown on the ride. 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 Was we think is necessary to protect our security Interest in the property, You promise to pay all dusts, including but not limited to any attorney tees, 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 has been paid off, you promise you wild: (1) Use the property carefully and keep it In good repair. (2) Obtain our written ponmission before melding major ere the property is kept. (33) Inform changes wh in writing before changingyour athe ddress. (4) Allow us to inspect the property. (5) Promptly notify us if the property is damaged, stolen or abused. (Ch) Not use the properly for any unlawful purpose. m 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 t0 return a motor vehicle ttftt is subject to a amrtty 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 0 your address changes. The maximum penalty for unlawful failure to return a motor vehicle is one year in prison and/or a fine of $150,000. 1 This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. You are advised to read your monthly statement and review it for any error discrepancies or unauthorized transactions. NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT. 3f you think your statement is wrong, or it you need more information about a transaction on your statement, write us on a separate sheet at the address listed on your statement. You are required to notify us in writing within 60 days following 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. j 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 It 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 annoy by than. Within 90 days, we must either correct the error or explain ?ntr)r a tw beBShys the statement was correct. In the Agreement, due words you and your means each and all of those who apply for the card or who signs this Agresmenl Card means the Visa Credit Card and any dupboates and ronewak we Issue. Acownt means your Visa Credit Card Line of Credit account with us. We. us, and ours means this Credit Union. t. RESPONSIBILITY -- t we fadh A you a card, you agree to repay as debts and the Finance Charge &Aft from the use of the card and the card account For example, you are responsbe for r Charges made by your spouse and m'uha children. You are also responsible 11or ryas by anyone else to w wm you give the card, and this responsibility oorglrxiss uM the card Is reornyeted. Ybu cannot declaim responsibility by no0ft us, but we will aloes the account for now transactions ii you so request and return of cants. Yor obligation to pay the account balance continues even too agreement, divorce decree at oftr court Judgment to which we are party not a The cards 1 our possible to pay the account. property and you must recover and surrender to us all cards upon our request and upon termination of this Agroo menL 2. LOST CARD NOTIFICATION - If you believe the card has been lost or stolen. you WIN limmedl call ( ety?the Credit Union at (717) 234.8+484 or (100) 237.7328. After hours ) 3. LIAMM FOR UNAUTHOFKMD USE -You agree to notify us inrnediali t orally or in w *V of d» bas,, thelt ix unsuilhorized use of your Credit Curd. Ybu may be fable for the urrouttortrsd use of your Credit Card. You wi not be fable for unsutltonzed use that occurs abler you notXy us of the lose, theft, or possible unauthorized use, NW will halls no babf4y for uneutlxxized psolassis made width your Credit Card unless you are grossly negfgerd in the handling of your Card. In any raise, your fialolky will not succeed $5Q 4. CREDIT LINE Ii we approve your application, we will establish a satf- replsnishiny Line of Credit tot you and notify you of Its anwunt when we issue the Card. You agree not to let the account balance exceed lids approved Credit Lk*, Each payment you. a" on the account will restore your Credit Jute by, the wrioun! ? the... payment what hfi appl?3 io Ne pr)rhpp , lieu may request sin increase ih your Credit Line only by wrillan applfcallOn to us, which must be approved by our credit committee, or loan officer. By t" you written notice we may retinae your Credit Line from time' to tune, or with good cause, revoke yon card and teminate go Agreement. Goof cause includes your tafure to c orrq y with this Agreement or any other agreement with us, or our adverse revaluation of your oslfitworthiness. You may also terminate ttls Agreement at cry lime, but termination by either of us does not enact your obligation to pay Vie account balance. 5. CREDIT INFORUATKM - You authorize us to investigate your credit standing when opening, renewing or reviewing your account, and you authorize us to disclose information rsgerdng your account to crecilt bureaus and other creditors who inquire of us about your credit standing. 6. MONTHLY PAYMENT - We will mail you a statement every nxxM showing your Previous Balances of purchases and dash advances, the current transactions on your account. the remaining credit evsfade under your Credit tine, the New Balances of purchases and cash advances, the Total New Balance, the Finance Charge due to date. and any other tailed teas, and the Minimum Payrnertf required. Every monde you must pay at least tths Mirrrium payment within 25 days of your statement dosing date. By separate agreement you may wAhorize us to charge the minimum payment automatically to your share or checkkv account with us. You may, of course, pay more frequently. pay more than the M in m i n PayrhneM or pay the Total New Balance In full, and you will reduce the whence charge by doing sa ff your monthly payment exceeds the total credit twee balance owed, we wfq outornatiow post the credit to your S1 shares. The minimum payment will be (a) 2% of your Total Now Balance. rounded up to the next even dollar, or (b) $20.00, 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 question. It we Und that we made a mistake on your statement, you will not have to pay any finance charges related to any questioned amount. It 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 out 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. 11 we cfornt follow these rules, we can't collect the first $50 of the questioned amount, even if your statement was correct. SPECIAL RULE FOR CREDIT CARD PURCHASES - If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the limitations right root to on this the remaining amount due on the property or services, There are two if not within i right: stale You must have within 1 DO miffs the purchase in your home state or, you le your current mailing address; and (b) The purchase price must have been more than $50. These limitations do not apply N we own or operate the merchant, or it we mailed you the adveFdoem" br the property or services. demand. We will apply payments in the following mantigr: first to previous tare fees, there to provfous rash adverxss finance charges, then to previous purchase finance charges, then to Currant tats Is", then to previous rash advance ba knees, than 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 hilt 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 accent, will be subject to Finance Charge. Cash advances are always subject to Finance Charge from the date they are posted to your account. Purch"M We calculate your finance charge by multiplying the average adjusted daily balance (see explanation below), including now 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 multpiyfing the average adjusted daily balance (see explanation below) for cash advances durksg the billing cycle by the monthly periodic advance rate and Corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum. Batarice Computation Method TarnsacPurchase Transacbm is calculated Average Daily PurchB Balance a tion for each day in the bitting cycle, a and then the Daily by Balances; number of days in the being cycle. To calculate the Dafty Balance for purchases each day, we take the following shape; We take the outstanding balance (all amounts you owe) at the start of the day. Than. in the sequence in which amounts are posted to your aroount, we add the amounts of of debits and subtract the amounts of all credits or payments which post 1R. M9, account that day_. After appty'irty paymerds...ardd credits... we sutATact the amount of any unpaid Finance Charges or Late Charges Triers 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 Ming cycle. This gives us the Daily Balance for purchases. Awrage 0s ay Balance for Cash Alf vitas - Cash Advance Transactions whhich are Posted to your account are not ihcluded in the Average Daily Balance calculation for purchases, and are thsrefore not stdb)ect to the m or" psnodfic 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 llransadions is calculated by addling the Daily Balances (Cash Transaction) for each day in the willing cycle, and than dividing by the number of days in the billing cycle. To calculate the Daily Balance hor 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 drams 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 Leta Charges. Then we also subtract the amount of arry Purchase 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 Cash Advance Transactions, Nots: Cash Advances are always subject to finance chrpss and from the day they are posted to your account. Payments are applied in the following manner: first to previous late fees, then to previous cash advances finance charges, then to previous purchase finance charges, then to current We fees, then to previous cash advance balances, then to previous purchase balances in the order that they were posted to your account, then to current Cash advance balances, and then to current purchase balances. Credits are applied first to the particular type of debt which is being credited, it 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 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 datcYbu authorize us to transfer funds sufficient to make the minimum payment due if 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 it your ability to repay us is materially reduced by a change in your employment, an increase in your obligations, bankruptcy or irwtvency 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 balanced 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. S. 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 partieipating Visa plan trenchant, or another frtanc laf 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 MacNne or other type of etactroric terminal that provides access to the Visa system. You agree that you will not use you card far any transaction that is illegal to cler applicable federal, state, or local law: The monthly statement will identify the merchant, etectronla terminal or financial Institution at which transactions were made, but sale, cash advance, credit or outer slips cannot be noumsd with iM statemem. You will retain a copy of such slips furnished at the time of the transaction In order to verify the mart ly statefrierti.The Credit Union may crake a reasonabls charge for photocopies of alts you may request. I& OVERDRAFT OPTION if you elect to overdraft to your PSECU Visa Cre iit Card, that election Is subject to the existing credit knit and the agreement it represents and the current loan policy at the time of the overdraft. You also understand that an overdraft will be considered the same as a cash advance on your PSECU Visa Credit Card and that the current Annual Percentage Rate for crash advances will apply. 11. RETURNS AND ADJUSTMENTS- Merchants and others who honorthe card may give credit for returns and adjustments, and they will do so by sending us a credit sip which we will post to your Vtsa fine of credit. It your credit and payments exceed what you owe us. we will atdomatically post the excess credit balance to your $1 Shares whNn 75 days. it the balance is one dollar or more, upon your written request, we will refund the credit balance to you. 12. FOREIGN TRANSACTIONS - The exchange rate between the transaction currency and to billing currency used for pirc ossing international transactions Is a rate selected by Visa from the range of rates si a llable in wholesale currency markets for the applicable central processing data, which rate may vary from the rate Visa itself receives, or a goverrimienl4nandated rate in effect far the applicable central processing date. In sachinstanoe, an adlialment may be assessed based on On ISA fee imposed by Visa. This tee, which Ixa1s 1% of the transaction amount, win be assessed on all ttansedlorn where the merchant country differs from the carhtry of the card Issuer. 13. SPECIAL RULES FOR VISA PURCHASES - if you dice ime or find an error with a Visa transecillm and have bled in good NO to correct the problem with the ATM CARD CARDHOLDER AGREEMENT - The Undersigned (you or your), in coruedstabon of THE PENNSYLVANIA STATE EMPLOYEES CREDIT UNION (core, our and us) issuing to you an ATM CARD) hereby agree to be legally bound by the following terns and conditions. Ntu agree that the use of your ATM sand(s) constl4ttes acceptance of this terms and conditions of Cris Agesment.'ft understand that ATM is a crerit-related service and you suihottzo PSECU to obtain a oredit report on any users of ifds account 1. ACCOUNTS AND USES OF ATM CARD -You have the acoount(s) pnckxting Cheddng and Regular Shares). which we set forth on your application form with this Agreement. You hereby regtutact that we law to you one or more ATM CARO(s) to be used In connection with such accounts as described in this Agreement You understand you may use the ATM CARD at a STAR SYSTEMSl9 ATM to (1) withdraw cash from. (2) stake or arrange for depoefts In, (3) affect transfers, to or from your account, (4) receive information regarding the balance in your account(s) or (5) make cash advances from yaw credit account(s)in the amounts you request. You may also use automated teller machitas throughout the United States and in certain foreign countries which tsar the PLUS SYSTEMS name and logo (1) to make withdrawals from, (2) eted transfers to or from. (3) receive "information regarding the balances in your Checking or Regutw shares. If you have a Personal Service Loan approved and in place, you may also make a cash advance from your PSL. You further understand 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, 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 amount of such Purchase encduding any cash received from the Merchant) from your Checking Shares and directing or ordering us to 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 forth on your applicaborh form. You also understand that from time to time you may request in writing that we provide access to additional accounts of yours through the ATM CARD we have issued to you. You agree that the uses of the ATM CARD described merchant or the charges are the result of unauthorized or fraudulent use, or your purchase cost more than $50 and was made from a plan merchant in your state within 1114 miles of your home, contact PSECU. 14. DISPUTED TRANSACTIONS - You are required to notify PSECU in writing within BO 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. 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 tlrrheframes set forth by Visa. 15. SECURITY INTEREST - To secure your account, you grant us a purchase money security interest under the Uniform Commercial Code in any goods you purchase through the account. It you default, we will have the right to recover any of these goods which we have not been paid for through our application of your payments in the manner described in the Monthly Payment section. With respect to this account only, we will not assert any statutory right we may have if you are in default to prevent withdrawal of your unpledged credit union shares (Deposits) below the unpaid balance of your account. However, if you give or hove 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 an your debts, your account win be secured by your pledged shares (Deposits) and by the property described in those other soct my agreements, except for your home. 1& EFFECT OF AGREEMENT - This Agreement is the contract whim applies to all transactions oft your account swan though the sates, cash advance, credit or other eNps you sign or recevvs 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 amencimems. To the extent the law permits, and we indicate in our notice, amendments will apply to yaw existing account balance as well as to future traruactions. 17. LATE PAYMENT CHARGE - If your Minimum Payment is not received by the first cloy of the month toilowirng your due date. you will be subject to a $20 charge. IS. RUSH FEES - You may Incur additional charges for rush processing and rush delivery of cards andlor PIN mailer. 19. OVER LIMIT FEE- A 1120 fee will be 400 breach monthly date on whic*t the otrtstanditV balance exceeds the assigned credit link by more inert $100. 20. DRAFT COPIES - You may incur an additional charge for transaction summary/eats draft documentation. 21. COPY RECEIVED -You acknowledge receipt of a copy of this Agreement. 22. ILLEGAL TRANSACTIONS PROHIBITED - You agree that you wilt not use your card for any transaction that is $legal under applicable federal, state, or local law. 21 NO USE - Inactive Visa accounts that have no purchase or cash activity may be closed without notice to you after IS months of no activity. 24, NEURAL NETWORK - PSECU uses neural network systems to predict and prevent unauthorized transactions. There may be occasions when a transaction is defined beciauea It is tndicetlnie of Pascoe fraudulent acthrityt In this Agreement shall be subject to the rules and regulations of each account which is atxessed by such Card. 2. USE OF PERSONAL IDENTIFICATION NUMBER ("PIN") WITH ATM CARD You understand that a STAR SYSTEMS or a PLUS SYSTEM ATM is an automated teller. K can and will perform many of the same tasks as a human teller. You &*wwM* fit the Personal ldenif icat)on Number or PIN which you use with the ATM CARD is your signature, identifies the bearer of the Card to this STAR SYSTEMS ATM, PLUS SYSTEM ATM, or otter network ATM and authenticates and validates the directions given just as your actual signature and other prod identty you and authenticate and validate your directions to a human teller. You also understand that a Merdhart which accepts the ATM CARD for a Purchase transaction may have an sWatronic terminal (Merchant operated or Seff-Serves) which requires the use of your PIN and when your PIN is used at a Merchant's terminal, It will authenticate and vatkiate the directions givers just as your actual signature will authenticate and validate your directions ghren to us. You acknowledge that your PIN is an identification code that is personal end 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. UABILfrY FOR UNAUTHORIZED TRANSACTIONS -You agree to contact us at once if you believe the ATM CARD(s) Issued to you or PIN has been lost or stolen or money is missing from your account(s). You also agree that N your monthly statement shows transactions which you did not make, and you do not contact us within 80 days after the statement was mailed to you. you may not get any money lost after that time. YOU AGREE THAT IF YOU GIVE YOUR ATM CARD(s) and PIN TO SOMEONE ELSE TO USE YOU ARE AUTHORIZING THEM TO ACT ON YOUR BEHALF AND YOU WILL BE RESPONSIBLE FOR ANY USE OF THE CARD(S) BY THEM. You could lose all your money in the account(s) if you take no action to notify PSECU of the loss of your ATM CARD or PIN. Safeguard your Personal Identification Number (PIN). Do not tell or disclose your PIN to any other person. Do not write your PIN on your ATM CARD. Do not keep a written record of your PIN near your ATM CARD. Do not choose a PIN that is easily identifiable. 91MLO.t4 ?E.71 S1Bt,.llltd_Lf9.t@Q B.D(_dltd _.R990119rJ-Y-E _.Dls.&L4A LV (contfnuedt A new card may be ordered for you at that time and a 'hold* will be placed on your old card. After such time, 4 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. 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. You agree to pay a 25 cent charge on each balance inquiry. You may incur a charge for any adjustment that needs to be made to your account resulting from an error you made while making a deposit at an Automated Tester 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. S. 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. 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 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 fnandal )nsdtubon. 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 Omits. ¢r y If the ATM CARO is issued for a joint account, you agree to be joiol and itevera y hat, u;)der the terms of this Agreement and the' agreement for such account You agree that 4 you matte deposits or payments to your account(s) with items other than cash (checks. dretits or other Items) and we make funds aveuable to you from such deposits prior to their coitectIon, 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 notityktg you in writing of such amendments or changes and your use of the ATM CARD after the effective date of any such arnendmant or change shall constitute your acceptance of and agreement to such amendment of change. d. OWNERSHIP - You agree that the ATM CARD is our property and you will surrender ft to us upon our request You agree that the ATM CARD is non- Vannslerable. 9. DIULOSURES 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 CONVERSfONUELECTRONiC RETURNED CHECK FEES -- If you pay for something with a check or share draft, you may authorize it to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds transfers if you cxenplets 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 COhSyW LtA9!LITY - • 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 lost or stolen, and you tell us within two business days after you learn of the loss or theft, you can rose no more than $50 H someone used your card without your permission. N you do not tent us within two business days after you team of the loss or theft of your card, and we can prove we could have stopped someone from using your card without yaw permission if you had told us. you could lose as nwch as $600. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tali us within 60 days after the statement was mailed to you, you may not get back any money you lost attar the 60 days if we can prove that we could have stopped someone from taking the money it you had told us in time. It a good reason such as a long trip or a hospital stay kept you from telling us. we will extend the fin* periods. 3. TELEPHONE NUMBER AND ADDRESS TO NOTIFY OF UNAUTHORIZED TRANSFERS - • ATM - Contact PSECU at (800) 237-7328 EXT 3808 (nationwide) or (717) 234-8d84 (let Harrisburg). After hours, follow lute menu options on PSECU's voice mail system to report a lost or stolen card. For Visa Credit or Debit Cards, WOW the dreams for Lost Card Notification under Nee Visa Credit Card Agreement and Truth-in-Landing Disclosures section of this 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 17106.7013 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 chockingtsavings; 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 ban aowunts; 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 cortificales. 6. ANY CHARGES FOR ELECTRONIC FUNDS TRANSFERS OR FOR THE RIGHT TO MAKE TRANSFERS - • ATM - Fifty cents for each disbursement (casts advance or wilhdrawal) less than $20; fifty cents for each transaction over IS per month; 25 cent tot each anca inquiry; and there may be an additional _c At" for adjustment at needs to be made to the account of any member who an error while depositing at an Automated Teller machine (ATM). • ACH - $30 service charge for insufficient hinds for each electronic transfer. • SST - note 7. SUMMARY OF CONSUMER'S RIGHT TO RECEIVE DOCUMENTATION Of EFTS - • ATM - You are entitled to receive a printed recut at the time of each transaction. You will receive a monthly statement stowing the status of your account, any transactions made during the month, and any penaNles or charges PSECU may impose during the month. • AC" and SST - Your will receive a monthly statement showing the status of your account, any transactions made during the month, and any penalties or changes PSECU may impose during the month, • 0 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 nail 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 - RJW to Stop Payment and Procedures for thing a0- It you have told us in advance to matte regular payments out of your accent you can stop any of thesis payments. Here's how: Call us at (800) 237-7328 (Natfornutde) or (717) 234-"" (Harrisburg) or write us at Pennsylvania State Employees Credit Union, P.0 Box 67013, Harrisburg, RA 17106.7013, in tine for us to reoshi a your request three business days or more before the payment is scheduled to be made. If you caH. we may also require you to put your request in writing and get it to us within 14 days after you call. • Notko of Varylog Amounts. If these regular payments may vary in amount. the person you are going to pay will tell you. 10 days before each payment, wlm A *0 be made and how much tt.0,ba,.Y9311it111tSbwn k .m 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. • L1aWlty for Fonure to Stop Payment of Presuthoized 71'anshra. if you order us to stop one of these payments three business days or more before the transfer is scheduled, and we tit not do so, we will be liable for your losses or damages, unless we request and do not receive written conf"imtation of an oral stop payment within 14 days and the transfer takes ptac:e after 14 days, or you fall 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 taus to complete a transaction on time or in the correct amount, when property instructed by you, PSECU will be fable 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 stofan 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 breaktftlwwn 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) 4 you attempt to complete a transaction that, at a STAR Systems, PLUS System: or merchant terminal that is not a j EISSe(t4L?.1p_.?.il/1S?4.I)'.?rl?f G?.?hf Atlri'?tt?.B±1L?.[l_R@5lltlr?1(Cn..._"?'" D1uFL4.$uSS3 (continued) permissiale transaction listed above; or, (1 1) the transaction would exceed the I security limitations on the use of your ATM CARD. • ACH and SST - It 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 uncosected; (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 contra. 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. r 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 wtm 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 admatistrative agency summonses, subpoenas, or court orders; (6) on receipt of certification tram a Federal Agency or department that a request for information is in compiler" 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 - i + ATM Only - You may use your ATM CARD with your Personal tdentifioafion Number (PIN) at STAR SYSTEMs located in Delaware. Maryland, New Jersey and Psnnsytvania to conduct arty of the following transactions for the accounts accessed by your ATM CARD. a) Determine the account baience(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 (carts are not acceptable) for transmission to PSECU lof deposit in your Checking and your Regular Shares. NOTE: There are limited locations in Marylsrxt where deposits may be made. We wish to Worm you that some ATMs located in these areas may only provide mess to your Checking. your Regular Shares, and your Personal Service Loan. Not ATMs may accept deposits. There may also be limits on the amount of tundii 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 conckuct any of the following transactions on the account 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 casts 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 ATM& 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 arrangerents 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 i accepted by such Merchant. The amount of all such Purchases will be i deduced 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. 16. 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 j right to reduce this daily limit at any time. In the event that your daily limit is less than 5500, PSECU will advise you of the new limitation. The day for withdrawal limits starts at 12 midnight each day and ends at 12 midnight the next day. For security purposes, there are also certain daily limitations on the frequency of use of the ATM CARD. However, these limitations are not I 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 it 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 Wit 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 arrom 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 it you think your statement or receipt Is wrong, or if you need more information about a transaction listed on the statement of 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 Self- Service Telephone Transaction); (b) Describe the error or the transaction you are unsure about, and explain as dearly 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. It 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/CAEDIT TRANSACTION& or 20 days for STAR SYSTEMS purchase Lnansactions if we need more trrrre, 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 rec redit 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. Vbu will have the use of the money during tha time it takt3s to complete the investigation. It PSECU does not receive your complaint or question in writing within 10 business days, PSECU may not recredit your accouint. If PSECU decides there is no error, you will be advised within three business days after the i nrsspgation 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 Morse funds if PSECU concludes no error has occurred. 11. ATM SURCHARGE - If you use an ATM that is not operated by us, you may be charged a fire by the ATM operator and by any national, regional or local network used in processing the ansectiun (and you may be charged a fee for a balance Inquiry even M you do riot complete a fund transferl. The ATM surcharge will be daitrited tmm your account if you elect to complete the transaction. Notice To Consumers Using ATM's • Be alert to your surroundings. 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VN NCVNNNN N.-'-^ ^--. .... . -. ?m 000000 000000 060000 000000 000000 NMVVf O naDPO^N MvIn IONO PO^NMV vf,oMOCp O l"t`mom MMMVVv vwwvvv lq-n %Mnln otn%noo?o s c g$8MN^ MNgovN OOo, r,,o%mmv fM'?•fN74'7C/M0^ (OV K 0 o ? 000000 000000 000000 000000 000000 C u -NM V'n ?O ++COPO^N MV ?n OnaD POD-NM?Y ?fi?OnapPO ^??'-^ "^----NNNNN NNNNNM EXHIBIT "C" I SIGNATURE LOAN ACTIVATION NOTICE October 28, 2005 Applicant Information: SS -2588 Ref M 496195 598 Approval Amount: $10,000.00 Account Number: 3550 Applicant: JASON T DICKERT Work Telephone #: Home Telephone M Signature: I acknowledge receipt of the PSECU LOANLINER Disclosure and Credit Agreement and agree to beound by the terms set forth in said agreement. Cr ' / J 10 3 5 Signature of JASON T DICKERT Date SIGNATURE LOAN OPTIONS Purpose: Con%ol,Aok se-6k I C%x car Please select one of the following Signature Loan disbursement options: Send a ? check, or k deposit to my Share 4 {MoneyHandler/Checking Shares} Please select one of the following Signature Loan repayment options: Payroll Deduction ? Home banking Automatic Transfer from PSECU account ? Self Service Telephone ? Coupon ? Direct Payment from another financial institution F NL Ck., ?• ?o a..? 6L ra,•.z r? ?-?, -C. OL t' 6- 8 ! iZ Rd i E 100 502 WIwWO c1A0 1'10]S ? EXHIBIT "D" Pennsylvania State Employees Credit Union PSEP.O.6au 87013 0 Harrisburg, PA 17108.7013 0 (717) 2348484 Harrisburg, (800) 237.7328 Nationwide the pnanciallinka Loan Disclosures This LOANLINER' Credit and Security Agreement, which includes the Truth in interest on the entire balance. If you elect credit insurance, your payments may Lending Disclosures, will be referred to as the Plan. The Plan documents include this increase or the period of time necessary to repay your advance may be extended. agreement and an Addendum. You, your and borrower mean any person who signs The credit insurance rates may change during the Plan. If the rates change, we will the Plan. Credit union, we, our and us mean PSECU or anyone to whom the Credit provide any notices required by applicable law. Union transfers its rights under the Plan. PERIODIC STATEMENT- On a regular basis you will receive a statement showing HOW THIS PLAN WORKS - This is an open-end, multi featured credit plan. We all transactions tinder the Plan during the period covered by the statement. anticipate that, from time to time, you will borrow money (caged 'advances' under Statements and notices will be sent to you at the most recent address you have the Plan. We are not required to make advances to you under the Plan and can given us in writing. Unless applicable law requires notice to each joint borrower, refuse a request for an advance at any time. The Addendum describes the notice to any one of you will be notice to all. different types of credit (called'subaocounts) available under the Plan, the current interest rate for each subaccount expressed as a daily periodic rate and JOINT ACCOUNTS - If this is a joint account, each of you is individually and jointly pondi es ng annual percentage rate and other charges. It may also have other responsible for paying all amounts owed. That moans we can enforce our irls under the Plan against any one of you individually or against a8 of you together if ou terms and a schedule for r determining the payment amounts. . y give us inconsistent instructions, we can refuse to follow year in Unless our CREDIT LIMIT - We may, but do not have to, establish a credit omit on certain written policy requires all of you to sign for an advance, each of of you you authorizes the subaocounts. It a credit limit is set for a subaccouM, you promise not to exceed the other(s) to obtain advances individually and agrees to repay advances made to the established credit limit. It you exceed the credit limit, you promise to repay other(s). Any joint accountholder may terminate the Plan by giving us prior written immediately the amount which exceeds the credit limit, notice. It any of you terminate the flan, the Plan is terminated for all of you. You REPAYMENT - You promise to repay all amounts you owe under the Plan plus remain liable Individually and jointly for all advances incurred before termination. atht titraarttftei8 lay of ft month unless we set a ,different day FEES AND' CHARGES - If you give a security interest in certain typos of at the tone of an advance. If the Addendum has no payment schedule fora subaocouM, your you payment will be determined at the lime at each advance. property, we may charge you a filing fee to o perfect our interest in the property, if we do, the amount of the tee will be disclosed to you at the lime you obtain an advance. Payments must include c ast due and any amount by which you have exceeded any Credit Amit an gtvsn for a subaeoount. You may repay all or part of what you owe widhdxul arty prepayment penalty Evan If YOU We may also charge you other fees in connection with the Plan. Our current fees are disclosed on the Addendum and wig be added to your loan balance unless you pay I h h . prtnpsy you t6riN st1H be reke the regularly scheduled payments unless we apnea M writlrtg to a the payment srdmedute. it you have a joint we t em n cas . UPDATING CREDIT INFORMATION -You Rionise that u will Rrompily give us of>tainad by a jcint twhler edrna ar?owmt t1 ass otherwise require by written rtotioe If move, char e information you provided to us changes. Upon our sreque?st,ayou o alsoaagrea other o yrip pay appunts owed under the Ptan, in the manner the provide us updated financial Information, Cr Union chooses DEFAULT - The following paragraph applies to borrowers in Idaho, Kansas, PLAN ACCESS - You can obtain credit advances in any trawler authorized by us. It Maine and South Carolina: You will be in default rt you do not make a payment of wee allow you to use your ATM/Debit cW to access the Plan, you may be liable for the the amount required when it Is due. You will also be in default if we bell" the unauhorkod use of your ATM/Debil card. You will not be fiable for unauthorized use prospect of payment, performance, or realization on any property given as security that ooeura after you nobly us, orally or In wrilifg, of the loss, theft, or possible . Is significantly impaired, unsiulhortzod use. d you believe your ATMIDeb t carts has been Iocl or stolen, "m following paragraph oppifes only to borrowers In Wisconsin: You wul be in mr,o&* inform the Cruet tinhorn by calling or wftV us at the telephone number or default 0 you fail to make a payment when due two times during any 12 month address that appears eisst+n we in the Plant. It the carat Is used to obtain unauthorized will be in detautt if breaking any promise made under the Plan materially = advances duet t y from the PIan, yow tiabft will not exceed $50, if the unauthorized its impairs your ability to repay what you owe or materially impairs the condition, value, withdrawal Is from a sherodral t socourd. your liability is governed by the Regulation E or protection of or our right in any property you gave as security, disclosures' you renewed at to time you received your ATM/DoW card, even 0 the witltdrawai results In an advance being made from your over" subaccouni. 77re following paragraph applies only to borrowers In lotus: You will be in default if you are more than 10 days late in making a payment, You will also be In FINANCE CHARGE -- The dollar amount you pay for money borrowed is called a ' default N you do not comply with the terms of the Plan and your failure to Comply itnanoe char1W and begins on the date of each advance. A finance charge will be materially impairs any property you gave as security or your ability to repay what you computed separately for each separate balance under the Plan. To compute the owe under the Plan. finance e, the unpaid balance for each day since your last payment (or since an advance wu have not et made a ment) is multi lied b a th licable d a il The lbilowirt ap states; You You p to borrowers In e other will be in a p y p y y e y pp a y perfodic rate. The sum of these amounts is the finance charge owed. The balance used to compute the lilemo charge Is the unpaid balance each day after payments e a default if do not t make when it i due. of the made amount required wh You will be in default you 9 d m payment you break any promise you m made airier the Plan or it anyone is in and credits to that balance have been subtrectad and any additions to the balance default under arty security agreement made in connection with an advance under the, plan You will be in default it you die file for bankruptcy become Insolvent if you have been made, In addition to interest, we may charge other finance charges which are disclosed on ft Addendum 0 the Interest rate is a variable interest rate the , , , make any false or misleading statements in any credit application or update of credit , ( efnattow" ,any- Interest rate works: Information, or if something happens we believe may substantially reduce. your ability to repay what you owe. You will be in default it any progeny you have given SECURITY -You pledge as security for the Plan all shares and dividends and, if us as security is repossessed by someone else, seized under a forfeiture or similar any, all deposits and Interest in all joint and individual accounts you have with US law, or if anything else happens that significantly affects the value of the property or now and it the future. .If a specific dollar amount is pledged for an advance, we will our security interest in ILYou will also be in default under the Plan If you are in default freeze shares in Mat account to the extent of the outstanding balance for the under any other loan agreement with us, advance. Otherwise, you pledged stares may be withdrawn unless you are in default. The 160owing paragraph applies in all states except in Ohio, Rhode ACTIONS AFTER DEFAULT -The following paragraph applies to borttxvers In Island and Massachusetts: We have a statutory lien of the shares and dividends Colorsab, 01strict of Columbia, Iowa, Kansas, Maine, Maasaehnseifs, Missouri, Nebraska, South Carolina and West Virginia: When you are in default and after and, if any, the deposits and Interest in all individual and)oint accounts you have with us and may exercise our rights under the lien to the extent permitted by stela taw. expiration of any right you have under applicable state law to cure year default, we can (We are state chartered if our name does not include the term 'Federal Credit demand immediate payment of the entire unpaid balance under the Plan without giving you advance notice Union') For all borrowers: The statutory Tian and/or your pledge will allow us , to apply the funds in your account(s) to what you owe when you are in default, This following pantgraph appliaa to borrowers in all other states except Wisconsin The statutory Han and your pledge do not apply to any Individual Retirement and Louisiana: When you are in default, we can require Immediate payment Account or any other account that would lose special tax treatment under state or (acceleration) of the entire unpaid balance under the Plan, You waive any right you have federal law it given as security, to demand for payment, notice of intent to accelerate and notice of aoeeleration. Additional security for the Plan may be required at the time of an advance. it a The following paragraphs apply to borrowers in all states except Wisconsin and subaccount identities a type of property (such as 'New Cars') you must give that Louisiana: If immediate payment is demanded, you will continue to pay interest until type of property as security when you get an advance under that subaccount. A " " what you owe has been repaid at the applicable interest rates in effect or, if applicable, subeccount name such as Other Secured means you must provide security i at the default rate disclosed on the Addendum. It a demand for immediate payment acceptable to us when you obtain an advance under that subaccount. Property you has been made, your shares and/or deposits can be applied towards what you owe give as security will secure all amounts owed under the Plan and all other loans you i have with us now or in the future, except any loan secured by your principal dwelling. ! r as provided in the section above called "Security." We can also exercise any other ights given by law when you are in default. Property securing other loans you have with us may also secure the Plan. You agree the Credit Union has the right to take possession of any property given CREDIT INSURANCE - Credit file and/or credit disability insurance is optional a s security under the Plan, without judicial process, if this can be done without under the Plan, if you quality for and purchase the insurance from us, you authorize b reach of the peace, If we ask, you promise to deliver the properly at a lime and us to add the insurance premiums monthly to your loan balance and charge you p lace we choose. If the properly is a motor vehicle or boat, you agree that we may O TUNA WITtW. CAW' 19EQ 1Z 64 . 66.69. 96, >9. 7000: 01, V. 07. 04. 05, ALL R1GH5 RESERVED ?' ., ?_ cpsi.6or PSEOU FORM #3146 - LOANLINER' Credit and Security Credit Agreement (continued) j 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, not covered by this Agreement, that you leave inside the property or that is attached to the property. We j will 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 owe us. We will give you notice of any public disposition or the dale after which a private disposition will be held. Our expenses for taking possession of and selling the property will be deducted from the money received from the sale. Those costs may include the cost of storing the property. preparing it for sale and attorney's fees to the extent permitted under state law or awarded under the Bankruptcy Code. You must pay any amount that remains unpaid after the safe money has been applied to any unpaid balance under the Plan. You agree to pay interest on that amount at the some rate as the advance, or, if applicable. at the default rate disclosed on the Addendum, until that amount has been paid. The foltowing paragraph spplles only to Wisconsin borrowers: When you are in default and after expiration of any right you have under applicable state law to cure your I 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, of we may seek to take possession of the property by judicial process, if we repossess the property, you agree to pay reasonable expenses incurred in disposing of the property, it the property Is a motor vehicle, mobile home, trailer, snowmobile, boat or aUcraft. you will also be required to pay any costs permitted by Section 422.413 of the Wisconsin Statutes. You mast pay any amount that remains i unpaid after the sate 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 I applicable, at the defauft 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, if permitted by the state where the property is located. T?re following pars8rsph applies only to Louisiana borrowers: When you are in default, we can require immediate payment (acceleration) of the entire unpaid l balance under the Plan. You where any right you have to demand for payment, notice of intent to accelerate and notice of acceleration, It immediate payment is demanded, you will oontlnus to pay Interest until what you owe has been repaid at the applicable interest rates in effect unless a default rate is disclosed on the Addendum. If a demand for immediate payment has been made, the shares and deposits given as security for the Plan can be applied towards what you owe. We can also exercise any other rights given by law when you are in default arid our rights under any security agreements you have with us, CANCELLING OR CHANGING THE PLAN - The following paragraph applies only to borrowerr in Rf rtoW We have the right to change the terms of the Plan from lima to time after giving you any advance notice required by law Any change to the interest rate or other charges will apply to future advances. The following pangrsph 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 rte Wisconsin Statutes. You will be notified of any change in terms, An Increasa in the do% periodic rate under a variable rate interest rate is not considered a change in tents 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, except to the extent that your liability Is limited by Section 422.4155 of the Wisconsin Statutes. rite folib" pe nwSli ph applies only to borrowers In tows. We can change the terms of the Plan from dime to time after giving you any advance notice required by laws. A change that increases the rate of finance charge or other charge, that increases the anuxxht of your payments, or that otherwise adversely affects existing balances will apply to existing balances only if you agree to the change or you use the Plan after receiving notice that your use of the Plan means you agree the change applies to existing balances. /lowing perag appl*;i td tiorrvsvsrs in all other states: We have the right to change the Ism 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 taw, will also apply to unpaid balances. The following pore"Ill applies to all but Wisconsin borrowers: An increase in the daily perbotc rate under a variable interest rate Is not considered a change in terms under the Plan. We can cannel the entire Plan or any part of the Plan at any time. You may cancel this Plan at any time by giving us prior written notice. Your obligation to pay the unpaid balances under the terms of the Man 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 the 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 agreement is a final expression of the agreement between you and the Credit Union. This written agreement may not be contradicted by evidence of any oral agreement. The following is repsbed by vermont taw - NOTICE TO CO-SIGNER -- YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, ; THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. The following paragraphs apply if you give security in connection with at advance under the Plan.They apply to borrowers in all states except Louisiana Louisiana borrowers will execute a separate security agreement. Borrowers it 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 securin interest in all property described in any receipt, voucher or other document yot receive for an advance (`the Advance'). The security interest you give includes at 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, renewal! or refinancing of the Advance. It also includes any money you receive from seilint the property or from insurance you have on the property, 11 the value of the property declines, you promise to give us more property as security if asked to do so. WHATTHE SECURITY INTEREST COVERS/CROSS COLLATERAL PROVISIONS -The security interest secures the Advance described in the receipt, voucher or and other document you receive at the time of the Advance and any extensions, renewals or refinancings of the Advance. It also secures any other advances you have now or receive In the future under the Plan and any other amounts or loans, Including any credit card loan, you owe us for any reason now or in the future, except any loan secured by your principal residence. It the property is househoic 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 tf 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 untli the Advance Is repaid. You promise you will allow no other security interest or lien to, attach 19 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 arkf 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. It the property Is lost or damaged we can use the insurance settlement to repair the property or apply 4 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 true 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 It insured, we may pay theses obligations, but we are not required to do so. Any rnoney we spend for texas. 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 bans for the purpose of detarmking whether you and other borrowers have compiled with the Insurance requiremlents of our ban agreements or may engage otters to do so. The Insurance charge added to an advance may Include (1) the insurance company's pwflinarns to us and (2) the cost of determining compliance with the insuirance requirements. It we add amounts for taxes, fees or Insurance to the unpaid befarhee of an we may increase your payrrionts to pay the amount added within the term of ranw 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 this right to purchase Insurance after uninsured collateral 1s lost or damaged. The insurance wlfl not be liability Insurance and will not satisfy any state financial responsibility or no fault laws. PROTECTING THE SECURITY INTEREST - if 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 finarcing 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 also 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 has been paid off, you promise you will: (1) 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 it 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 tftst 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 for unlawful failure to return a motor vehicle is one year in prison andior a fine of St 50,000. 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 for any error discrepancies or unauthorized transactions. NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT. if you think your statement is wrong, or if you need more information about a transaction on your statement, write us on a separate sheet at the address listed on your statement. You are 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 intwmation, 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 corracted the am by then. Within 90 days, we must either correct the error or expfwn wrtt)+ we ba"the stosmont was correct in this Agreement, the words you and your means each and all of those who apply for this cant 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 acrourit with us. We, us, and ours means this Credit Union, t. RESPONSIBILITY-If we issue you a cant, you agree to repay all debts and the Finance Charge artsmg from the use of the card and the card account. For example, you are resports * for charges made by yourself, your spouse and minor children. You are also reeportsQ.ris for charges made by anyone also to whom you give the card, and this respoinsiblifty contirm" uhti the card Is recovered. You cannot disclaim respontrgxtlky by mdfyYtp 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 ocontinues even though an agreement, dvorce dome or otter court judgment to which we are not a party may dined you or one of the other persons responsible to pay the account. The cards remain our property and you must recover and surrender to us all cards upon our request and upon termirhation of this Agreement 2. LOST URD NOTIFICATION - if you believe the card has been lost or stolen, you wig Immediately call the Credit Union at (717) 234-3484 or (800) 237.7328. After hours call (800) 556.5678. 3. LIABILITY FOR UNAUTHORIZED USE --low agree to tho* us I mrmediatey, om#v or In wftV of the loss, thaft or unauthorized use of your Credit Card, You may be liable for the utsuthotized use of your Credit Cod. You will not be gable for unauthorized use that occurs after you notify us of the Im than, or possible unauthorized rata'fw wig have no fiabMy for umautortnd purchases made with you Credit Card unlase you are grossly ne in the handing of your Card In any case, your liability will not exceed $50. 4, CREDIT LINE -- 13 we approve your application, we will establish a self- replenishing Line of Credit for you and notify you of its amount when we Irmal the card. You agree not to let the account balance exceed this approved Credit Line. Each payment you make on the account wig restore. your .Credit , (Line by the amount of the... (e 'tjw prat: `flour magi request art kxxs se in your GrerJit payment wh"k Is app! Line only by written application to us, which must be approved by our credit committee or loan officer. By glvkg you wtlttert robots we may reduce your Credit Una from time to time, or with good cause, revoke your cold and terminate this Agreement. Good cause Includes your failure to comply with this Agreement or any other agreement with us, or our adverse maivalustlon of your creditworthiness. You may also terminate this Agreement at any time, but termination by either of us noes not affect your obligation to pay the account balance. 5. CREDIT INFORMATION - You authorize us to investigate your credit standing when opening, renewing or reviewing your account, and you authorize us to disclose infotmation regarding your account to credit bureaus and other creditors who inquire of us about your erect 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 remaking credA available under your Credit Lime, the New Balances of purchases and cash advances, the Total New Balance, the Finance Charge due to date, and any other Wiled tees, and the Minimum Payment required. Every month you must pay at least the Minimum Paymerri within 25 days of your statement closing date. By separate agreement you may authorize us to charge the minimum payment automatically to your sonars or checking account with us. You may, of course, pay more froquenliy, pay more than the Mirilm rn Payment, or pay the Total New Balance in full, and you will reduce the finance charge by doing so. If yorx monthly payment exceeds the total credit fine balance owed we will automatically post the credit to your S 1 shares. The minimum payment will be (a) 2% of your Total New Balance, rounded up to the next even dollar, or (b) $20.00, whichever is greater, in addition, at arty 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. Wo 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 question. It we Uynd that we made a mistake on your statement, you will not have to pay any finance charges related to any questioned amount. Ii 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 fall to pay the amount that we think you owe, we may report you as delinquent. However, it 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 $50 of the questioned amount, even it your statement was correct. SPECIAL RULE FOR CREDIT CARD PURCHASES -if you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to 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 WIN apply payments in the fogowtng inanAgr first to previous late fees, than to previous cash advances finance charges, then to previous purchase finance charges, then to current late fees, then to previcius cash advance balances, then to previous purchase balances in the order that "were posted to your is=xmt, than to current cash advance balances, and then to current purchase balances. T. 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 arc 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 mom* 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 Eakin W -Curchases • 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 Daly Balance for purchases each day, we take the following steps. We take the outstanding balance tall amounts you owe) at the start of the day, Then. in the sequence in which amounts are posted to yew account, we add the amounts of all debits and subtract the amounts of all credits or payments which post to-your _acooUrd that day- After .applying payments. and credits.. me 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 truing cycle. This gives us the Dally Balance for purchases. Average Daly Sakwa for Cash Advances - Cash Advance Transactions which are posted to you 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 separatey, for Cash Advances and is subject to the Cash Advance Mori ft 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 arty previous day In the billing cycle. This gives us the Dally Balance for Cash Advance Transactions. Note: Cash Advances are always subject to finance charges and from the day they are posted to your account. i Payments are applied in the following manner: first to previous late fees, then to previous cash advances finance charges, then to previous purchase finance charges, then to current late fees, then to previous cash advance balances, then to n previous purchase balances in the order that they were posted to your account, then to current cash advance balances, and then to current purchase balances. Credits are applied first to the particular type of debt which is being credited, if any, and tnen to the balance of your account. Visa" Credit Cana Agreement and Truth In Lending Disclosure (continued) I Note also that it the total of the payments and credits which are posted to your i 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 tail 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 it 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 taw, 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 aUemative procedures to be folkxwed. 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 "a of electronic terminal that provides access to the Visa system. Yeu 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 doe merchant, efectronic terminal or financial Institution at which transactions were made, but sale, trash 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 Jj order to verity the"ttior" stateriient, The Credit Union may make a masatabb 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 subjoct to the existing credit limit and the agreement it represents and the current ban 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 It. RETURNS AND ADJUSTMENTS- Merchants and others who honor the card may give credit for returns and arqustments, and they will do so by sending us a credit slip which we will post to your Visa tine or credit. if your credit and payments exceed what you me us, we will automatically post the excess credit balance to your $1 Shares within 75 days. It the balance is one dollar or more, upon your written request we will refund the credit balance to you. 12. FOREIGN TRANSACTIONS - The exchange rate between the transaction currency and the bilknq currency used for processing intemational 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 meelvea, or a govemmientmandated rate in eflart for the applicable central processing date. In seakinstanov, an adjustment may be assessed based on the ISA fee imposed by Visa This lee, wtVch totals 1% of the transaction amount, will be assessed on all transactions where the merchant country differs from the country of the card issuer, 13. SPECIAL RULES FOR VISA PURCHASES - If you chsagras or find an error with a Visalmneadtort, and have tried in good faith to correct the problem with the ATM CARD CARDHOLDER AGREEMENT - The Undersigned (you or your), in coraiderittk 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 term and wndilbria. You agree that the use of your ATM card(s) cot nskiles aoooptanc e of the terms and cordticirn of this Agreement Ift understand that ATM is a cretfit-related "seNce end you auf?toriztt f SECU to obtain , a oreck report on any users of if4s accourit, 1. ACCOUNTS AND USES OF ATM CARD - You have the account(s) (including Checdng 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 Moth such accounts as described in this Agreement You understand you may use the ATM CARD at a STAR SYSTEMSM ATM to (1) wilthdraww cash from, (2) make or arrange for deposits in, (3) effect transfers to or from your account, (4) reaelve 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 name and logo (1) to make withdrawals from, (2) effect transfers to or from, (3) receive Information regarding the balances in your ChwAng or Regular shares. If you have a Personal Service Loan approved and in place, you may also make a cash advance from your PSL. You further understand 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. If you use the ATM CARD to make a Purchase to obtain cash, 0 permitted by the Merchant, you shall be requesting us to withdraw funds in the 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. 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 availat)le and which we advise you are offered in connection with your account(s) set forth on your application form. You also understand that from time to time you may request in writing that we provide access to additional accounts of yours through the ATM CARD we have issued to you. You agree than the uses of the ATM CARD described merchant or the charges are the result of unauthorized or fraudulent use, or your purchase cost more than S50 and was made from a plan merchant in your state within 100 miles of your home, contact PSECU. 14. DISPUTED TRANSACTIONS - You are required to notify PSECU in writing i 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. It we do not receive the proper requested documentation in the time specdied you may be held responsible for the transaction(s) in question. PSECU must adhere to strict dispute timeframes set forth by Visa. 15. SECURITY INTEREST - To secure your account, you grant us a purchase money security interest under the Uniform Commercial Cale to any goods you purchase through the account. If you default, we will have the right to recover any of these goods which we have not been paid for through our application of your payments in the manner described in the Monthly Payment section With respect to this account only, we will not assert any statutory right we may have if you are in default to prevent withdrawal of your unpledged credit union shares (Deposits) below the unpaid balance of your account. However, it you give or have given us a specific pledge of your credit union shares (Deposits) by signing the Pledge of Shares or otherwise, or any other security interests for all your debts, your account will be secured by your pledged shares (Deposits) and by the property described in those other security agreements, except for your home. 16. 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 agrreemanl 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. 17, LATE PAYMENT CHARGE - it your Minimum Payment is not received by the first fay of the month following your dire date, you will be subject to a $20 charge. 18, RUSH FEES - You may Incur additional charges for rush processing and rush delivery of cards andior PIN mailer. 1% OVER LIMIT FEE- A $ao be will be applied breach monthly statement closing date on which the outstanding balance exceeds the assigned credit Emit by more than $100. 20. DRAFT COPIES - You may incur an additional charge for transaction summary/sale draft documentation. 21. COPY RECEIVED -You acknowledge receipt of a copy of this Agreement. 22. ILLEGAL TRANSACTIONS PROHIBITED - You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. 23. NO USE - inactive Visa accounts that stave no purchase or cash activity may be closed without notice to you after 18 months of no activity. 24, NEURAL NETWORK - PSECU uses neural network systems to predict and prevent unauthorized transacts. There may be occasions when a transaction is declined because it is IrlrkCative of possible haudutent activity. In this Agreement shall be subject to the rules and regulations of each account which is accessed by such Card. 2. USE OF PERSONAL IDENTIFICATION NUMBER (-PIN") WITH ATM CARD You understand that a STAR SYSTEMS or a PLUS SYSTEM ATM is an automated teller. It can and will perform many of the same tasks as a human teller. You aokf1o16Vltii3gij Met the Personal Identification Number or PIN which you use with the ATM CARD is your signature, identifies the bearer of the Card to fie STAR SYSTEMS ATM, PLUS SYSTEM ATM, or other network ATM and authenticates and validates the directions givers just as your actual signature and other proof klentify you and authenticate and validate your directions to a human teller. You also understand that a Merchant which accepts the ATM CARD for a. Purchase transaction may have an electronic terminal (Merchant operated or Solt-Service) which requires the use of your PIN and when your PIN is used at a Merchant's terminal, it will authenticate and validate the directions givers just as your actual signature will authenticata and validate your directions given to us. You acknowledge 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 UNAUTHORIZED TRANSACTIONS -You agree to contact us at once if you believe the ATM CARD(s) Issued to you or PIN has been lost or stolen or money is missing from your account(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 lost after that time. YOU AGREE THAT IF YOU GIVE YOUR ATM CARO(s) and PIN TO SOMEONE ELSE TO USE YOU ARE AUTHORIZING THEM TO ACT ON YOUR BEHALF AND YOU WILL BE RESPONSIBLE FOR ANY USE OF THE CARD(s) BY THEM. You could lose all your money in the account(s) if you take no action to notify PSECU of the loss of your ATM CARD or PIN. Safeguard your Personal Identification Number (PIN). Do not tell or disclose your PIN to any other person, Do not write your PIN on your ATM CARD, Do not keep a written record of your PIN near your ATM CARD. Do not choose a PIN that is easily identifiable. 1trl..tn?let,...A_.tlrLgctze?z!€?t and..ge9?.tlon E„_01 clnttxo (continued) A new card may be ordered for you at that time and a 'hold' will be placed on your old card. After such time, if you find your old card, destroy the old card by cutting 11 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 depositor withdrawal exceeding 15 a month. You agree to pay the 50 cent penalty charge on any cash disbursement transaction (ban advance or share withdrawal) that is less than $20. You agree to pay a 25 cent charge on each balance inquiry. You may incur a charge 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 - hbu 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. 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 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 AIMS may limit the amount of funds which may be deposited and that we may not control these limits. Bl?l, t??iD is. issued fr)r.8 joirn account, you agree to be ?o n y a x saver?yff urit3 -r ttia terms of this Agreement and the agreement for such account. You agree that it 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 loch In your somunt(s) are insufficient at such time, you will promptly pay to us any amount of such finds 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 changes and your use of the ATM CARD after the effective date of any such amendment or change shall constitute your acceptance of and agreement to such amendment or change. 6, OWNERSHIP - You agree that the ATM CARD is our property and you will surrender It to us upon our requesL You agree that the ATM CARD is non- transferable. 9. OSURES-You hereby acknowledge receipt of the disclosure statement iniort?you of your rights under the Electronic Funds Transfer Act and a copy of this Agreement. REGULATION "E" DISCLOSURE 1. ELECTRONIC CHECK CONVERSIONIELECTRONIC RETURNED CHECK FEES - If you pay for something with a check or share draft, you may authorize it to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees, You are considered to have authorized these electronic funds transfers ff you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed eectronita+lly, or if you sign a written authorization. 2. SUMMORY OF CONSI IOR LIABILITY -- ATM, ACH and SST - T611 us at once if you believe your card has been lost ! of 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 i believe your card has been lost or stolen, and you tell us within two business days after you learn of the foss or theft, you can lose no more than $50 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 slopped someone from using your card without your permission if you had told us, you could lose as much as $500. Also, it your statement shows transfers that you did not make, tali us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not got back any money you lost after the 60 days if we can prove that we could have stopped 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 will extend the time periods. 3. TELEPHONE NUMBER AND ADDRESS TO NOTIFY OF UNAUTHORIZED TRANSFERS - • ATM - Contact PSECU at (800) 237-7328 EXT 3808 (nationwide) or (717) 234-8484 (M Hamburg). After hours, follow the menu options on PSECWs voice mail system to report a lost or stolen card. For Visa Credit or Debit Cards, follow the directions for Lost Cana Notification under the Visa Credit Card Agreement and Truth-in-Lending Disclosures section of this document. • ACH and SST - Contact PSECU at (800) 237-7328 (nationwide) or (717) 234.8484 (in Harrisburg). ' Or write to us at, j Pennsylvania State Employees Credit Union P.O. Box 67013 Harrisburg. PA 17106.7013 PSECU Business Hours: 8:00 a.m. - 5:00 p.m. M - F 1 TDO (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 choddngisavings; 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 ban 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 S20; fifty cents for each transaction over IS par month; 25 cent for each en e. Inquiry;. and there may be an addtonai ch.(,rge for any adjustment b_0 tat needs to be made to the account of any member who riiiWii an t+ri& 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 mate 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 ovary 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) 237-7328 (Nationwide) or (717) 234.8484 (Harrisburg) or write us at: Pennsylvania State Employees Credit Union, P.0 Box 67013, Harrisburg, PA 17106.7013, in tlme for us to receive your request three business days or moral before the payment is scheduled to be made. It you cap, we may also require you to put your request in writing and get it to us within 14 days after you call. • Nofhae of Varying Amours. if these regular payments may vary in amount. the parson you are going to pay will tag you, 10 days before each payment, v ha(n It will be orate and how rgitch,ii iY1i1 be . lQSlt:tllflX, A:i0K _tp get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would tali outside certain limits that you set. • LlabNlty for Failure to Stop Payment of Preauthorhed 71ansfsre. 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 toads 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 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 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 Eleg t4el, Fscad?Fl n !eL?TtL! ?9ts mt'.at.. ?asl.._fie?ulpflQr.__"E".DIs. IQ urQ (continued) peemissiole transaction listed above; or. (11) the transaction would exceed the security limitations on the use of your ATM CARD. the • ACH and SST - if PSECU fails to compiete a transaction on time or in correct amount, when properly instructed by you. PSECU will be liable for damages caused by our failure unless: (1) there are insufficient funds in your account to complete, the transfer; (2) the funds in your account are uncollected; (3) the funds are subject to legal process; (4) the transaction you request would exceed the funds in your account plus any available overdraft credit; (5) PSECU has reason to believe that the transaction requested is unauthorized; (6) the failure was caused by an act of God, tire, 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 verify the existence and Mending 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; P"Wation P, Privacy of Consumer Financial information; and (7) when H 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 socessed by your ATM CARD. a) Determine the account balance(s) of your Checking your Regular Shares, and your Persona! 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 i 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 awoss to your Checking, your Regular Shares, and your Personal Service Loan. Notg ATMs may accept deposits. There may also be limits on the amount of fundd which you may deposit in certain ATMs. I 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 fotlowmg transactions on the accounts accessed by your ATM CARD. a) Detarmine 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 serAcas 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 tkne, 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 - i ATM Only -You may use the ATM CARD to purchase goods and services ('Purchase') at arty retail establishment ('Merchant') where ATM CARDs are accepted by such Merchant. The amount of all such Purchases will be i 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. 1S. LIMITATIONS ONTHE USE OF YOUR ATM CARD - ATM Only -You may withdrew 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 withdrawlpurchase up to $500 at point of sale locations. PSECU reserves the right to reduce this daily limit at any time. In the event that your daily limit is less than $500, PSECU will advise you of the new limitation. The day for withdrawal limits starts at 12 midnight each day and ends at 12 midnight the next day. For security purposes, there are also certain daily limitations on the frequency of use of the ATM CARD. However, these limitations are not j revealed for security reasons. The Pennsylvania State Empio-&es Credit I Union Is not obliged to maintain such limitations. You will be denied use of your ATM CARD if you exceed the daily withdrawaVpurchase 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 H 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 (H Seff- 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. II 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. It PSECU does not receive your complaint or question in writing within 10 business days, PSECU may not recredil 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, H PSECU credits your account white irrvestlgating, 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 locat network used in processing the fansaction (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 it you elect to complete the transaction. Notice To Consumers Using ATM's • Be alert to your surroundings. 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CL ^NMQ?Ab hWPO^N MQ'V)bhW OHO^NMQ uNbhWPO m FFF---111 •"^? ^'-" ^NNNNN NNNNNM `z a O I ^{,,- U 1 C- a 000 b D r• 1 r a rf? • Ewa ;,,7 ; aj 0 SHERIFF'S RETURN - REGULAR CASE NO: 2008-03617 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PENNSYLVANIA STATE EMPLOYEES VS DICKERT JASON T SHANNON SHERTZER , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE DICKERT JASON T was served upon the DEFENDANT , at 1329:00 HOURS, on the 21st day of June , 2008 at 2610 N ROSEGARDEN BLVD MECHANICSBURG, PA 17055-5311 by handing to WILLIAM DICKERT, FATHER a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 11.00 Affidavit .00 Surcharge 10.00 ?d G?b F 00 3 Sworn and Subscibed to before me this day So Answers: A R. Thomas Kline 06/23/2008 VAN ECK & VAN ECK By: lot, Deputy Sheriff of A. D. PENNSYLVANIA STATE EMPLOYEES: IN THE COURT OF COMMON PLEAS CREDIT UNION, : CUMBERLAND COUNTY, : PENNSYLVANIA Plaintiff NO. 08-3617 Civil Term VS. JASON T. DICKERT . Defendant CIVIL ACTION -LAW PRAECIPE FOR JUDGMENT Enter Judgment in favor of Plaintiff and against Defendant, Jason T. Dickert for want of ANSWER TO COMPLAINT. (X ) Assess damages as follows: Debt -----------------------------------------------------------------$26,005.09 Attorney's Commission ------------------------------------------- $5,226.02 Filing costs ---------------------------------------------------------- $to be determined TOTAL--------------------------------------------------------------$31,231,11-plus costs (X ) I certify that the foregoing assessment of damages is for specified amounts alleged to be due in the complaint and is calculable as a sum certain from the complaint. ( X ) Pursuant to Pa.R.C.P. 237 (Notice of Praecipe for final judgment or decree), I certify that a copy of this praecipe has been mailed to each other party who has appeared in the action or to his/her Attorney of Record. ( X ) Pursuant to Pa.R.C.P. 237. certify that written notice of the intention to file this praecipe was mailed or delivered to the party against whom judgment is to be entered and to his/her Attorney of Record, if any, after the default occurred and at least ten days prior to the date of the filing of this praecipe and a copy of the notice is attaehed. J DATE: _ Signature: Melissa L. an Eck, Esq ire Attorney for Plaintiff 7810 Allentown Blvd., Suite B, Hbg., PA 17112 (717) 540-5406 ID#: 85869 NOW, '1 7 O , 2008, JUDGMENT IS ENTERED ABOVE. P onotary , vil vision By: Deputy r PENNSYLVANIA STATE EMPLOYEES: IN THE COURT OF COMMON PLEAS CREDIT UNION, : CUMBERLAND COUNTY, Plaintiff VS. JASON T. DICKERT Defendant TO: JASON T. DICKERT 2610 N. Rosegarden Blvd. Mechanicsburg, PA 17055-5311 DATE OF NOTICE: July 14, 2008 : PENNSYLVANIA NO. 08-3617 Civil Term CIVIL ACTION -LAW IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGHBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717)249-3166 1-800-990-9108 By: Melissa L. Van Eck, squire Attorney I.D. No. 85869 P.O. Box 6662 Harrisburg, PA 17112 717.540.5406 Attorney for Plaintiff PENNSYLVANIA STATE EMPLOYEES: CREDIT UNION, Plaintiff VS. . JASON T. DICKERT Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 08-3617 Civil Term CIVIL ACTION -LAW ENTRY OF APPEARANCE Please enter the Appearance of Van Eck & Van Eck, P.C., as counsel for Plaintiff in the above captioned action. Respectfully Submitted, VAN ECK & VAN ECK, P.C. n Date: July 25, 2008 By: VV Melissa L. Van Eck, lsq-re uiAttorney I.D. No. 85869 Henry W. Van Eck, Esquire Attorney I.D. 83087 P.O. Box 6662 Harrisburg, PA 17112 (717) 540-5406 Attorneys for Plaintiff PENNSYLVANIA STATE EMPLOYEES: IN THE COURT OF COMMON PLEAS CREDIT UNION, : CUMBERLAND COUNTY, : PENNSYLVANIA Plaintiff VS. JASON T. DICKERT Defendant NO. 08-3617 Civil Term CIVIL ACTION -LAW AFFIDAVIT OF NON-MILITARY SERVICE COMMONWEALTH OF PENNSYLVANIA COUNTY OF DAUPHIN I, Henry W. Van Eck, Esquire, being duly sworn according to law, depose and say that I am the Attorney for the Plaintiff in the above-captioned matter, and that to the best of my knowledge, information and belief Defendant, Jason T. Dickert, above named, is not a corporation and is an adult individual under the age of 21 years of age; is not in the military service of the United States or its Allies, or otherwise within the provisions of the Soldiers' and Sailors' Civil Relief Act of Congress of 1940 and its Amendments. .C. By: Henry Wgan Eck, Esquire Attorney I.D. No. 83087 P.O. Box 6662 Harrisburg, PA 17112 717.540.5406 Attorney for Plaintiff Sworn and subscribed to before me this day of July 08 Notary Public NOTAM sIM ME1.411A L VANECK No" P WIC WE=T NANOVER TWR DAUNNN COUNTY My commission Expires Mar 22. 2011 ;'F n ^a 00 _ moo. :.s....a.: u ,A iy A12MOO , 4 l a PENNSYLVANIA STATE EMPLOYEES: IN THE COURT OF COMMON PLEAS CREDIT UNION, : CUMBERLAND COUNTY, : PENNSYLVANIA Plaintiff NO. 08-3617 Civil Term VS. JASON T. DICKERT Defendant CIVIL ACTION -LAW TO: Jason T. Dickert, Defendant You are hereby notified that on 748]0 $ , the following (OFder) (Degree) (Judgment) has been entered against you in the above captioned case for Your failure to file an answer to the complaint A Judgment in the total amount of $31,231.11 plus costs is hereby entered. DATE: P thono I hereby certify that the name and address of the proper person(s) to receive this notice is: Jason T. Dickert 2610 N. Rosegarden Blvd. Mechanicsburg, PA 17055-5311 A: Jason T. Dickert, Defendant, Defendido/a (Defendidos/as) Por este medio se le esta notificando que el de del , el/la siguiente (9rden) (Deerete) (Fallo) ha sido anotado en contra suya en el caso mencionado en el epigrafe. FECHA: Prothonotario Certifico que la siguiente direccion es la del defendido/a segun indicada en el certificado de residencia: Jason T. Dickert 2610 N. Rosegarden Blvd. Mechanicsburg, PA 17055-5311