Loading...
HomeMy WebLinkAbout08-3618 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES NO. 0% - &v18 Civil Terti CREDIT UNION, Plaintiff . VS. CAMILLAH A. JOHNSON-HICKLEN Defendant CIVIL ACTION -LAW NOTICE TO DEFEND Pursuant to PA RCP No. 1018.1 You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after the Complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CAN NOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Assoication 32 S. Bedford Street Carlisle, PA 17013 (717)249-3168 1-800-990-9108 Document #: 180057.1 EN LA CORTE DE ALEGATOS COM IJN DEL CONDADO DE CUMBERLAND, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES NO. CREDIT UNION, . Plaintiff VS. CAMILLAH A. JOHNSON-HICKLEN Defendant CIVIL ACTION -LAW AV I S O PARA DEFENDER Conforme a PA Num. 1018.1 USTED HA SIDO DEMANDO/A EN LA CORTE. Si usted desea defender conta la demanda puestas en las siguientes paginas, usted tienen que tomar acci6n dentro veinte (20) dias despues que esta Demanda y Aviso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando por escrito con la Corte sus defenses o objeciones a las demandas puestas en contra usted. Usted es advertido que si falla de hacerlo el caso puede proceder sin usted y un jazgamiento puede ser entrado contra usted por la Corte sin mas aviso por cualquier dinero reclamado en la Demanda o por cualquier otro reclamo o alivio solicitado por Demandante. Ustedpuede perder dinero o propiedad o otros derechos importante para usted. USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSEGUIDA. SI USTED NO TIENE UN ABOGADO, VAYA O LLAME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACI6N 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 Assoication 32 S. Bedford Street Carlisle, PA 17013 (717)249-3168 1-800-990-9108 Document #: 180057.1 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff VS. CAMILLAH A. JOHNSON-HICKLEN Defendant NO. OSr 34, l P 01;,4 7c 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, Camillah A. Johnson-Hicklen, is an adult individual with a last known address of 7 Pine Road, Apt. 607, Mt. Holly Springs, PA 17065-1936. 3. Defendant is, and at all relevant times material hereto has been, the primary loan applicant. 4. Defendant applied to Plaintiff for a loan for the purpose of purchasing a motor vehicle. 5. The loan application submitted by Defendant was approved by Plaintiff and Defendant signed a Loanliner Advance Proceeds Check for the purchase of the vehicle. A true and correct copy of said Loanliner Advance Proceeds Check is attached hereto, incorporated herein and marked as Exhibit "A". Document #: 180057.1 6. Pursuant to the Loanliner Advance Proceeds Check marked as Exhibit "A", Defendant agreed to the terms and conditions of the extension of credit as set forth in the Loanliner Credit and Security Agreement (hereinafter referred to as "Contract"). A true and correct copy of the Loanliner Credit and Security Agreement is attached hereto, incorporated herein and marked as Exhibit "B". 7. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms and conditions of the Contract marked as Exhibit "B". 8. Various charges and payments were made by Defendant on the account. 9. Plaintiff provided a letter to Defendant stating that the vehicle purchased by Defendant was deemed repossessed. The letter further advises Defendant that unless payment in full was made on the outstanding loan balance, the said vehicle would be sold at a public sale and Defendant will be responsible for any resulting deficiency. 10. As a result of Defendant's failure to cure the default in payment, and pursuant to state law remedies, Plaintiff sold the vehicle at public sale, 11. Plaintiff provided a letter to Defendant indicating that there was a resulting deficiency after the sale of the vehicle. 12. Plaintiff has maintained a statement of account keeping an accurate and running amount of debits and credits made on Defendant's account. 13. Plaintiff has submitted to Defendant a copy of the statement of account accurately showing all debits and credits for transactions with Defendant. 14. Defendant has not objected to any of the monthly statements of account submitted by Plaintiff to Defendant. Document #: 180057.1 15. Despite Plaintiff's reasonable and repeated demands for payment, Defendant has failed, refused and continues to refuse to pay all sums due and owing on Defendant's loan account balance, all to the damage of Plaintiff. 16. As of June 13, 2008, the balance due, owing and unpaid on Defendant's loan account with Plaintiff is the sum of Eight Thousand Four Hundred Thirty-Nine Dollars and 22/100 ($8,439.22). 17. Pursuant to the terms and conditions of the extension of credit contained in the Contract, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest charge on the principal loan balance. 18. Due to the default of the Defendant and pursuant to the terms and conditions of the Contract attached as Exhibit "B", attorney's fees in the total amount of One Thousand Seven Hundred Twelve Dollars and 84/100 ($1,712.84) have been added to the account. 19. Any and all conditions precedent to the bringing of this action has been performed by Plaintiff. 20. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. Document #: 180057.1 WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, respectfully requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant, Camillah A. Johnson-Hicklen, in the amount of Ten Thousand One Hundred Fifty-Two Dollars and 06/100 ($10,152.06), plus interest, the costs of this action, and such other relief as the Court deems just and proper. Respectfully submitted, VAN ECK & VAN ECK, P.C. By: Melissa L. Van Eck, Esquire Attorney I.D. No. 85869 P.O. Box 6662 Harrisburg, PA 17112 717.540.5406 Document #: 180057.1 VERIFICATION I, Gregory R. Diffenderfer, Manager of the Pennsylvania State Employees Credit Union verify that the statements made in the aforegoing document are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. §4904, relating to unsworn falsification to authorities. Pennsylvania State Employees Credit Union By: T1 C L611 U -I f)q Date: Q' U0 EXHMI'T (WS t 1 MANUMEL. ADVANCE PROCEEDS VOUCHER AND SECURITY AGREEMENT PSECO the flnandal IinkTM 1) Pennsylvania State Employees Credit Union P. O. Box 67013 Harrisburg, PA 17106-7013 (717) 234-8484 (800) 237-7328 - =.MEIdTN;Fff?i(E" •: ?ii;.,'t hew=,;?,teS.•.%"?t' w%;-?`.= ' •' G•""':=*n?',7?. • •;ci?. -4 `:.1: :s.'.?+'t?i?. ti.:.f? •NU ,`??.1???'`? CAMILLAH JOHNSON-HICKLEN 4/22/2005 8304068714 / L10 443967 126 N PITT ST PURPO CARLISLE, PA 17013-2333 ealer Purchase TRANSACTI ON -WEND OTHER 1 ? NEW LOAN 2. ? LO ANADVANCE & ? (DESCRIBE) 4. D HEQUITY ADVANCE SECUBITY OFFERED IFTHIS IS A NOME EQUITY ADVANCE. THE OA%YSECURITY FOR THIS ADVANCE IS THE REAL PROPERLY pN MOST CASES YOUR HOME) WHICH YOU GAVE AS wwAr Y WHEN YOUR ACCOUNT WAS LIFE ISMOL IFTHIS 18 NOTA HOME EQUITY ADVANCE, IN ADDmONTOTHE PLEDGE OF SHARER JNVOUR LOANUNER•(sl WAGREEMENr. THE FOLIOMNG PROPERTY SECURESTMS AWANCE. ITEM PRORERTIC . ,"r : « '+: ' t j a Y ;, n• r ?q .. a iy is . - 1HGCG32752A02839 CPE 17,835.00 1. HONDA ACCORD 2002 , P- 3. 4. OTHER YOU PLEDGE SHARES ANDUOR DEPOSITS OF $ IN ACCOUNT NUMBER OLD ACCOUNrADAN NUMBER PAYOFF RINC. +INT OLDAOCOUNTILOANNUMBER PAYOFF RING.+INT OLDAOCOUN'TAAANNUMBER (C) PAYOFF PRINC.+INT.) OLD ACODUNTILOAN NUMBER PAYOFF (PRINC. + INr.) OLD AOCOUNTA.OAN NUMBER (E) PAYOFF (PRIM M-T INT OLD ACCOUNTILOAN NUMBER PAYOFF PRINC. + INT I By accepft the proceeds or by using the funds advanced and deposited Into your share/sham draft account, you agree (i) that the property referenced above w1A secure the advance and any other advances you have now or receive In the future under the LOANLINEFt' Credit and Security Agreement (the Plan) and any other amounts you owe us for any reason now or In the future in accordance with the terms of the Plan and (2) to make payments as disclosed above In accordance with the terms of the Plan. O CUNA MUTWI0011P,1980, SL t4.19, S9, H. 99.20M 01, 04. ALL RIGMS KSSM0 PENNSYLVANIA STATE EMPLOYEES CREDIT UNION FORM 13175 JVXX0100.1 037.2092-1 (4104) ?17?888 NNED SECURITY AGREEMENT in this agreement all references to Credit Union, we, our, or us means Pennsylvania State Employees Credit Union and anyone to whom the Credit Union assigns the Credit Agreement which will be referred to as the Plan. All references to you, your, and borrower mean each person who signs this agreement. All references to the advance mean the amount in the box labeled Amount Advanced. This is a multi-state document which may be used to lend to borrowers in all states except Louisiana and Wisconsin. 1. THE SECURITY FOR THE LOAN - By signing this security agreement in the signature area or under the statement referring to this agreement which is on the back of the check you receive for the advance,. you give us what is known as a security interest in the property described in the Security Offered section on the reverse side. 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 refinancings 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. 2. WHAT THE SECURITY INTEREST COVERS - The security interest secures 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.. 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. 3. OWNERSHIP OF THE PROPERTY -You promise that you own the property or if this advance is to buy the property, you promise you will use the advance for that purpose. You promise that no one else has any interest in or claim against the property that you have not already told us about You promise not to sell or lease the property or to use it as security for a loan with another creditor until the advance is repaid. You promise you will allow no other security interest or lien to attach to the property either by your actions or by operation of law. 4. 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 financing statement to protect our security interest from the claims of others. If asked to do so, you promise to sign a financing statement You also promise to do whatever else we think is necessary to protect our security interest in the property. You promise to pay all costs, including but not limited to any attorney fees, we incur in protecting our security interest and rights in the property, to the extent permitted by applicable law. 5. 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 If the property is damaged, stolen or abused. (6) Not use the property for any unlawful purpose. 6. CONSUMERS' CLAIMS AND DEFENSES NOTICE - The following paragraph applies only when the box on reverse side is checked. NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 7. PROPERTY INSURANCE, TAXES AND FEES - You must maintain property insurance on all property that you give as security under the Plan. You may purchase the property insurance from anyone you choose who is acceptable to the Credit Union. The amount and coverage of the property insurance must be acceptable to us. You may provide the property insurance through a policy you already have, or through a policy you get and pay for. You promise to make the insurance policy payable to us and to deliver the policy or proof of coverage to us if asked to do so. If you cancel your insurance and get a refund, we have a right to the refund. If the aroperty is lost or damaged, we can use the insurance settlement to repair the )roperty or apply it towards what you owe. You authorize us to endorse any draft or ;heck which may be payable to you in order for us to collect any refund or benefits fue 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 properly 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 insurance will be added to the unpaid balance of the advance and you will pay interest on those amounts at the same rate you agreed to pay on the advance. We may receive payments in connection with the insurance from a company which provides the insurance. We may monitor our loans for the purpose of determining whether you and other borrowers have compiled with the insurance requirements of our loan agreements or may engage others to do so. The insurance charge added to the advance may include (1) the insurance company's payments to us and (2) the cost of determining compliance with the insurance requirements. If we add amounts for taxes, fees or insurance to the unpaid balance of the advance, we may increase your payments to pay the amount added within the term of the insurance or approximate term of the advance. 8. 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 insurance will not be liability insurance and will not satisfy any state financial responsibility or no fault laws. 9. DEFAULT - You will be in default if you break any promise you make under this agreement. You will also be in default if you are in default under the Plan. If you are pledging property, but have not.signed the Plan, you will be in default If anyone is in default who has signed the Plari. 10. WHAT HAPPENS IF YOU ARE IN DEFAULT - The following paragraph applies to borrowers in Colorado, District of Columbia, Iowa, Kansas, Maine, Massachusetts, Missouri, Nebraska, South Carolina and West Virginia. When you are in default and after expiration of any right you have under applicable state law to cure your default, we can require immediate payment of your outstanding balance under the Plan without giving you advance notice. The following paragraph applies to borrowers in all other states: When you are in default, we can require immediate payment (acceleration) of what you owe under the Plan and take possession of the property. You waive any right you have to demand for payment, notice of intent to accelerate and notice of acceleration. The following paragraphs apply to all borrowers: You agree the Credit Union has the right to take possession of the property without judicial process if this can be done without breach of the peace. If we ask, you promise to deliver the property at a time and place we choose. 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 will try to return that property to you or make it available to 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 sale or the date after which a private sale 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. The rest of the sale money will be applied to what you owe under the Plan. If you have agreed to pay the advance, you will also have to pay any amount that remains unpaid after the sale money has-been applied to the unpaid balance of the advance and to what you owe under this agreement. You agree to pay interest on that amount at the same rate as the advance until that amount has been paid. 11. DELAY IN ENFORCING RIGHTS AND CHANGES IN THE AGREEMENT -We can delay enforcing any of our rights under this agreement any number of times without losing the ability to exercise our rights later. We can enforce this agreement against your heirs or legal representatives. If we change the terms of the Plan, you agree that this agreement will continue to protect us. 12. CONTINUED EFFECTIVENESS - If any part of this agreement is determined by a court to be unenforceable, the rest will remain in effect. 13. 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. 14. NOTICE FOR ARIZONA OWNERS OF PROPERTY - It is unlawful for you to fail to return a motor vehicle that is subject to a security interest, within thirty days after you have received notice of default. The notice will be mailed to the address you gave us. It is your responsibility to notify us if your address changes. The maximum penalty for unlawful failure to return a motor vehicle is one year in prison and/or a fine of $150,000. ical ?Dqur?ts u t rmtcttenna h?anfe S 616 Enlgln ees' edit• U:;:on : ` No: '4479670 / ' aYn correct rra snit c}a.?g? roJ..... K>.,a rrAn?esrot' .YflrrllN•CrNltfr(My}7?•T7N y/ PTER- 0312?I05.. AUT,.RAP1 YOA) t)~/EA ! 17,815,00 pEfINS?CE? .8304069714 volo 12:1 DAYs A DRD[R Of IDJAt.EA1: ? `// , .• - -' • • •/y ??• •?7•• 5??• 'Zi ?. ?r• ,,' ?SaN?? ?/a• ??y?1'??ir7n1. ?i: ;L%(j tit:. i? ?DO? S-. t?. ?ti:•? I(?• . ?` ?,'' _fL, •. 'L L/ARS?:j .;1?7 •j• Wit) •, IMP00. ANh VOIO UN DtAUR DOAJEM PR COMPLETED, ER ErltiafttEMENT; •° "?' • . • iry.fipdu/Mr.•JirprwwtWrl V.lkkd rllewywwru M:wV:D:YY ar.0j.4ty dds AuloD.;144We p1.# w8h. utmf ENid on lh. i.+N.r .df "• rwA?.no+ntPMM{f?itaw'dlWwutO?•ol dN didL GmPIrt. DM fsawE@,p?,.Ym.4n idamdo ;/ • fit{inrltwM+l?iM'm+Tv1d.THfAb&A !.Yrote...r+.rrw... •rtnu,•,? •.'M'-.'Nt, w,ri...rwla...:«:•• •.. s;.::,wy:r.id.•.wu.n.«r.ww•:«a.auw..wt:.?{.ak„ ut«wx P•.a+•k..•`J'rA,.e?ef ?Or;+v«1ni;:Q...rra.?;+d*? - ?:,,'y• •: •• hl.]f«xr?ttf. si.tri,Ertmc"uv Ni rlecwt.t in.r.n.ryJ+Ew.N; .; •: ??%!• T :??. ;' d3T+.+t..d n`r...b ?xeu AxPYnnrYaYEi•.. ,• , ?!;t{f.+' Y. r, 3'. :: r,• } ?tn .175• ? ? r'I-- xD«•• n'hSJmhrlEnd.r.an,.•u"t fY'• ,: yawl •.•. Ku «x?L : / ti r}syR ,? e ; r; CA.WiLA11 JUI I Nmms , _. ?s?•. ?I?" trL '" ? M-AWkwilEddarrsinEnt' eum+ , ov.J, •Mr.u 4; " NOCO•APPUCANT- _ _ •: MA. __',I g ?>z,4396'4Qg,-j:'23L3111LL6!,', " 310G'471076u?,.4b .000L7935[]010 ` X I 28815-042265 597 9 _ 96 `= d 'r E -` Y of E c£214• 032405 575 1 8 is • t • ?'? ? Q: s N fix SX r PVT %fill _.._.._...,..?_ _ Pennsylvania State Employees Credit Union Main ;•Address: T Cregit Union Place, Hcrrisbtlrg, PA 17110.2990 • 717.234.8484 • 800.237.7328 Mailing Address: P.O. Box 67013, Harrisburg, PA 17;O" 7 06-7013 • 717.777.2100 (TDD) • 800.472.1967 (TDD) Ns credit union is rsderaky :nw•x! by liw National C ed? Union Admirist+olion Equal Opportum!y Lender vngw,pseeu.com IC EXHIBIT "B" n Penns ?rl vania State Employees Credit Unio PO. Box 67013 • Harrisburg, PA 17106-7013 1' 1717)2,14-B484 Hem;burg. (800)237-7328 Nationwide PSEC* the financial links, Loan Disclosures This LOANLINER• Credit and Security Agreement, which includes the Truth in Lending Disclosures, will be referred to as the Plan. The Plan documents include this agreement and an Addendum. You, your and borrower mean any person who signs the Plan. Credit union, we, our and us mean PSECU or anyone to whom the Credit Union transfers its rights under the Plan. HOW THIS PLAN WORKS -This is an open-end, mutti-featured credit plan. We anticipate that, from time to time, you will borrow money (called "advances") under the Plan. We are not required to make advances to you under the Plan and can refuse a request for an advance at any time. The Addendum describes the different types of credit (caller) "subaccounts") available under the Plan, the current interest rate for each subaccount expressed as a daily periodic rate and corresponding annual percentage rate and other charges. It may also have other terms and a schedule for determining the payment amounts. CREDIT LIMIT - We may, but do not have to, establish a credit limit on certain subaccounts. It a credit limit is set for a subaccount, you promise not to exceed the established credit limit. If you exceed the credit limit, you promise to repay immediately the amount which exceeds the credit limit. REPAYMENT - You promise to repay all amounts you owe under the Plan plus interest. Payments are due on the Iasi day of the month unless we set a different day at the time of an advance. If the Addendum has no payment schedule for a subaccount, your payment will be determined at the time of each advance. Payments must include any amount past due and any amount by which you have exceeded arty credit limit you have been given for a subac cDunt. You may repay all or part of what you owe at any time without any prepayment penalty. Even if you prepay, you will still be required to make the regularly scheduled payments unless we agree In writing to a change in the payment schedule. If you have a joint sharedraft account, you will be responsible for paying all overdraft advances obtained by a joint holder of the shared raft account. Unless otherwise required by law, payments will be applied to amounts owed under the Plan, in the manner the Credit Union chooses. PLAN ACCESS -You can obtain credit advances in any manner authorized by us. If we allow you to use your ATM/Debit card to access the Plan, you may be liable for the unauthorized use of your ATWDebit card. You will not be liable for unauthorized use that occurs after you notify us, orally or in writing. of the loss, theft, or possible unauthorized use. If you believe your ATM/Debit card has been lost or stolen, immediately inform the Credit Union by calling or writing us at the telephone number or address that appears elsewhere in the Plan. If the card is used to obtain unauthorized advances directly from the Plan, your liability will not exceed $50. It the unauthorized withdrawal is from a sharedraft now nt your liability is governed by the Regulation E disclosures you received at the time you received your ATM/Debit card, even If the withdrawal results in an advance being made from your overdraft subaccount. FINANCE CHARGE - The dollar amount you pay for money borrowed is called a 'finance charge" and begins on the.date of each advance. A finance charge will be computed separately for each separate balance under the Plan. To compute the finance charge, the unpaid balance for each day since your Iasi payment (or since an advance If you have riot yet made a payment) is multiplied by the applicable daily periodic rate. The sum of thesis amounts Is the finance charge owed. The balance used to compute the finance charge is the unpaid balance each day after payments and credits to that balance have been subtracted and any additions to the balance have been made. In addition to Interest, we may charge other finance charges vOicn are disclosed on the Addendum, If the interest rate is a variable interest rate, the Addendum explains how the variable interest rate works. SECURITY - You pledge as security for the Plan all shares and dividends and, it any, all deposits and Interest in all joint and individual accounts you have with us now and in the future. It a specific dollar amount is pledged for an advance, we will Peeze shares in that account to the extent of the outstanding balance for the advance. Otherwise, your pledged shares may be withdrawn unless you are in default. The following paragraph applies in all states except In Ohio, Rhode Island and Massachusetts: We have a statutory lien on the shares and dividends and, it any, the deposits and interest in all individual and joint accounts you have with us and may exercise our rights under the lien to the extent permitted by state law. (We are state chartered it our name does not include the term 'Federal Credit Ur>ion.") For all borrowers: The statutory lion and/or your pledge will allow us to apply the funds In your account(s) to what you owe when you are In defaulL The statutory Ilon and your pledge do not apply to any Individual Retirement Account or any other account that would lose special tax treatment under state or federal law it given as security. Additional security for the Plan may be required at the time of an advance. If a subaccount identifies a type of property (such as 'New Cars") you must give that type of property as security when you get an advance under that subaccount. A subac count name such as "Other Secured" means you must provide security acceptable to us when you obtain an advance under that subaccount. Property you give as security will secure all amounts owed under the Plan and all other loans you have with us now or in the future, except any loan secured by your principal dwelling. Property securing other loans you have with us may also secure the Plan. CREDIT INSURANCE - Credit life and/or credit disability insurance Is optional 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 law. PERIODIC STATEMENT - On a regular basis you will receive a statement showing all transactions under the Plan during the period covered by the statement. Statements and notices will be sent to you at the most recent address you have given us in writing. Unless applicable law requires notice to each joint borrower, notice to any one of you will be notice to all. JOINT ACCOUNTS - It this is a joint account, each of you is Individually and jointly responsible for paying all amounts owed. That means we can enforce our rights under the Plan against any one of you individually or against ail of you together. It you give us inconsistent Instructions, we can refuse to follow your instructions. Unless our written policy requires all of you to sign for an advance, each of you authorizes the other(s) to obtain advances individually and agrees to repay advances made to the other(s). Any joint accountholder may terminate the Plan by giving us prior written notice. ft any of you terminate the Plan, the Plan is terminated for ail of you. You remain liable individually and jointly for all advances incurred before termination. FEES AND CHARGES - It you give us a security interest in certain types of property, we may charge you a filing fee to perfect our interest in the property. 11 we do, the amount of the fee will be disclosed to you at the time you obtain an advance. We may also charge you other fees in connection with the Plan. Our current fees are disclosed on the Addendum and will be added to your ban balance unless you pay them in cash. UPDATING CREDIT INFORMATION - You promise that you will promptly give us written notice It you move, change your name or employment, or H any other information you provided to us changes. Upon our request, you also agree to provide us updated financial information. DEFAULT - The following paragraph app?las to borrowers in Idaho, Kansas, Maine and South Carotins: 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 p%t?ptyaiymentperformance, or realization on any property given as security The Wowing paragraph applies only to borrowers in Wisconsin., You will be in default if you fail to make a payment when due two times during any 12 month period. You will be in default if brealdng any promise made corder the Plan materially impairs your ability to repay what you owe or materially impairs the condition, value, or protection of or our right in any property you gave as security. The following paragraph applies only to borrowers In Iowa: You will be In default 4 you are more than 10 days late in making a payment You will also be In default if you do not comply with the terms of the Plan and your failure to comply materially impairs any property you gave as security or your ability to repay what you owe under the Plan. The following paragraph applies to borrowers /a all other states: You will be in default if you do not make a payment of the amount required when It Is due. You will be In default If you break any promise you made under the Plan or if anyone is In default under any security agreement made in connection with an advance under the Plan. You will be in default if you die, file for bankruptcy, become insolvent, if you make any false or misleading statements in any credit application or update of credit information, or if something happens we believe may substantially reduce your ability to repay what you owe. You will be in default if any, property you have given us as security is repossessed by someone else, seized under a forfeiture or similar law, or it anything else happens that significantly affects the value of the property or our security interest in it. You will also be in default under the Plan if you are in default under any other loan agreement with us. ACTIONS AFTER DEFAULT - The following paragraph applies to borrowers In Colorado, District of Columbia, Iowa, Kansas, Maine, Massachusetts, Mlssourl, Nebraska, South Carolina and West Virginia: When you are in default and after expiration of any right you have under applicable state law to cure your default, we can demand immediate payment of the entire unpaid balance under the Plan without giving you advance notice. The following paragraph applies to borrowers In all other states except Wisconsin and Louisiana: When you are in detautl, we can require immediate payment (acceleration) of the entire unpaid balance under the Plan. You waive any right you have to demand for payment, notice of intent to accelerate and notice of acceleration. The following paragraphs apply to borrowers in all ststas except Wisconsin and Louisiana: If immediate payment is demanded, you will continue to pay interest until what you owe has been repaid at the applicable interest rates in effect or, 0 applicable, at the default rate disclosed on the Addendum. If a demand for Immediate payment has been made, your shares and/or deposits can be applied towards what you owe as provided in the section above called "Security." We can also exercise any other rights given by law when you are in default. You agree the Credit Union has the right to take possession of any property given as security under the Plan, without judicial process, if this can be done without deliver the under the Plan. If you quality for and purchase the insurance from us, you authorize I breach of the peace. If we ask. you promise to property at a time and us to add the insurance premiums monthly to your loan balance and charge you i place we choose. If the property is a motor vehicle or coat, you agree that we may D .AA Mu'::al. ^C I 'W. $2, 84. 96 . a0 d 54 Z," v2. , D4 d5 uH'< cR:'ED CPSMCt PSECU FORM 03146 JBXX0601-2 037.2092.1 (3105) LOANLINER' Credit_and Security Credit A ra Bement (continued) obtain a key or other device necessary to unlock and operate it, when you are in default. We will net be responsible for any other property, not covered by thin 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 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 td 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 to any unpaid balance under the Plan. You agree to pay interest on that amount at the same rate as the advance, or, if applicable, at the default rate disclosed on the Addendum, until that amount has been paid. The following paragraph applies only to W/sconsin borrowers: When you are in default and after expiration of any right you have under applicable state law to cure your default, we may require immediate payment of your outstanding loan balance under the Plan and seek possession of property given as security. You may voluntarily give the property to us it you choose, or we may seek to take possession of the property by judicial process. It we repossess the property, you agree to pay reasonable expenses I incurred in disposing of the property, if the property is a motor vehicle, mobile home, trailer, snowmobile, boat or aircraft, you will also be required to pay any costs permitted by Section 422.413 of the Wisconsin Statutes. You must pay arty amount that remains unpaid after the sale money has been applied to what you owe under the Plan. You agree to pay interest on any unpaid amount at the same rate as the advance, or, if 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 default, we may take possession of the property without judicial process. M permitted by the state where the property is located. The following paragraph applies only to Louisiana borrowers: When you are in default, we can require immediate payment (acceleration) of the entire unpaid balance under the Plan. You waive any right you have to demand for payment, notice of intent to accelerate and notice of acceleration. If immediate payment is demanded, you will continue to pay interest until what you owe has been repaid at the applicable interest rates in effect unless a default rate is disclosed on the 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 and our rights tinier any security agreements you have with us. CANCELLING OR CHANGING THE PLAN - The following paragraph appliss only to borrowers in Illinois: We have the fight to change the terms of the Plan from time to time after giving you any advance notice required by law. Any change to the interest rate or other charges will apply to future advances. The fallowing paragraph applies only to borrowers In Wfsconsfn: We can change the terms of the Plan from time to time in accordance with Section 422.415 of the Wisconsin Statutes. Ybu will be notified of any change in terms. An increase in the daily periodic rate under a variable rate interest rate is not considered a change in terms under the Plan. We can cancel the entire Plan or any part of the I Plan at any time. You may cancel the Plan at any time by giving us prior written notice. You 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. The following paragraph applies only to borrowers in lowa: We can change the terms of the Plan from time to time after giving you any advance notice required by law. A change that increases the rate of finance charge or other charge, that I increases the amount of your payments, or that otherwise adversely affects existing j balances will apply to existing balances only it you agree to the change or you use the Plan after receiving notice that your use of the Plan means you agree the 1 change applies to existing balances. The following paragraph applies to borrowers in all other states: We have the right to change the terms of the Plan from time to time after giving you any advance notice required by law. Arty change in the interest rate will apply to future advances, and at our discretion and subject to any requirements of applicable law, will also apply to unpaid balances. The following paragraph applies to all but Wisconsin borrowers. An increase in the daily periodic rate under a variable Interest rate is not considered a change in terms under the Plan. We can cancel the entire Plan or any part of the Plan at any time. You may cancel the Plan at any time by giving us prior written notice. Your obligation to pay the unpaid balances under the terms of the Plan continues whether you or the Credit Union cancel the Plan. DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN - We can delay enforcing any of our rights under this Plan any number of times without losing 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 aetermined 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 teilowlnp Is required try Vermont law - NOTICE TO CO-SIGNER - YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. The following paragraphs apply if you give security in connection with an advance under the Plan.They apply to borrowers in all states except Louisiana. Louisiana borrowers will execute a separate security agreement. Borrowers In other states may also be asked to execute a separate security agreemenL THE SECURITY FOR THE PLAN - You give us what is known as a security interest in all property described in any receipt, voucher or other document you receive for an advance ("the Advance"). The security interest you give includes all 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 COVERS/CROSS COLLATERAL PROVISIONS - The security interest secures the Advance described in the receipt, voucher or any other document you receive at the time of the Advance and any extensions, renewals of 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 household goods as defined by the Federal Trade Commission Credit Practices Rule, the property will secure only the Advance and not other amounts you owe. OWNERSHIP OF THE PROPERTY - You promise that you own all property you give as security or if the Advance is to buy the property, you promise you will use the Advance for that purpose. You promise that no one else has any interest in or claim against the property that you have not already told us about. You promise not to sell or tease the property or to use it as security for a loan with another creditor until the Advance is repaid. You promise you will allow no other security interest or Non to attach to the property either by your actions or by operation of law. PROPERTY INSURANCE, TAXES AND FEES - You must maintain property insurance on all property that you give as security under the Plan. You may purchase the property Insurance from anyone you choose who Is acceptable to the Credit Union. The amount and coverage of the property insurance must be acceptable to us. You may provide the property insurance through a policy you already have, or through a policy you get and pay for. You promise to make the Insurance policy payable to us and to deriver the policy or proof of coverage to us it asked to do so. If you cancel your insurance and get a refund, we have a right to the refund. If the property is lost or damaged, we can use the insurance settlement to repair the property or apply it towards what you owe.You authorize us to endorse any draft or check which may be payable to you in order for us to collect any refund or benefits due under your Insurance policy. You also promise to pay all taxes and fees (like registration fees) due on the property. If you do not pay the taxes or fees on the property when due or keep it insured, we may pay these obligations, but we are not required to do so. Any money we spend for taxes, fees or Insurance will be added to the unpaid balance of the advance and you will pay interest on those amounts at the same rate you agreed to pay on the advance. We may receive payments in connection with the Insurance from a company which provides the Insurance. We may monitor off loans for the purpose of determining witether you and other borrowers have compiled with the Insurance requirements of our loan agreements or may engage others to do so. The insurance charge added to an advance may include (1) the insurance comparift payments to us and (2) the cost of determining compliance with the Insurance requirements, if we add amounts for taxes, fees or insurance to the unpaid balance of an advance, we may increase your payments to pay the amount added wfthfn the term of the insurance or approximate term of the advance. INSURANCE NOTICE - If you do not purchase the required property insurance, the insurance we may purchase and charge you for wig cover only our interest in the property. The premium for this insurance may be higher because the insurance company may have given us the right to purchase insurance after uninsured collateral is lost or damaged. The. Insurance will not be liability Insurance and will not satisfy any state financial responsibility or no fault laws. PROTECTING THE SECURITY INTEREST - 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 financing statement to protect our security Interest from the claims of others. If asked to do so, you promise to sign a financing statement. You also promise to do whatever else we think is necessary to protect our security interest in the property. You promise to pay all costs, including but not limited to any attorney fees, we incur in protecting our security interest and rights in the property, to the extent permitted by applicable law. USE OF PROPERTY - Until the Advance 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. j NOTICE FOR ARIZONA OWNERS OF PROPERTY - It is unlawful for you to fail to return a motor vehicle that is subject to a security interest, within thirty days after i 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 and: or a fine of 6150,000. This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. You are advised to read your monthly sta!ement and review it for any error discrepancies or unauthorized transactions. NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT. It you think your statement is wrong, or if you need more information about a transaction on your statement, write us on a separate sheet at the address listed on your statement. You are required to notify us in writing within 60 days following the date on which we sent your statement wherein the error or problem first appeared regarding any discrepancy or unauthorized transactions on your account. Failure to notify us may result in your acceptance of any responsibility for payment or reimbursement to us for any such error or discrepancy on your account. Write to us as soon as possible. You can telephone us, but doing so will not preserve your rights. in your letter, give us the following information: Your name and account number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about It you have authorized us to pay a credit card account automatically from your share account or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur. YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE • We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain wiry we believe the statement was correct In this Agreeniient, the words you and your means each and all of those who apply for the card or who signs this Agreement Card means the Visa Credit Card and any duplicates and renewals we issue, Account means your Visa Credit Card Line of Credit account with us. We, us, and ours means this Credit Union. 1. RESPONSiB1UTY-- if we issue you a card, you agree to repay all debts and the Finance Charge arlsng from the use of the card and the card account. For example, you are responsible for charges made by yourself, your spouse and minor children. You are also responsible for charges made by anyone else to whom you give the card, and this responslcility continues until the card is recovered. You cannot disclaim responsibility by notifying us, but we will dose the account for new transactions if you so request and return all cards. Your obligation to pay the account balance continues even though an agreement, divorce decree or other court judgment to which we are riot a party may direct you or one of the other persona responsible to pay the account. 2. LOST CARD NOTIFICATION - If you believe the card has been lost or stolen, you will immediately call the Credit Union at (717) 234-8484 or (800) 297-7328. After hours cap (800) 558-5678. 3. LIABILrIY FOR UNAUTHOR29D USE -You agree to notify us immediately, orally or in writing of the loss, theft or unauthorized use of your Credit Card. You may be liable for the unauthorized use of your Credit Card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use. You wig have no liability for unauthorized purchases made with your Credit Card, unless you are grossly negligent in the handling of your Card. In any case, your liability will not exceed $50. 4. CREDIT LINE - if we approve your application, we will establish a self- replenishing Line of Credit for you and notify you of its amount when we issue the card. You agree not to let the account balance exceed this approved Credit Line. Each payment you make on the account will restore your Credit Line by the amount of the payment which is applied to the principal. You stay request an increase in your Credit Line only by written application to us, which mint be approved by our credit committee or loan officer. By giving you written notice we may reduce your Credit Line from time to time, or with good cause, revoke your card and terminate this Agreement Good cause includes your failure to comply with this Agreement or any other agreement with us, or our adverse reevaluation of your creditworthiness. You may also terminate this Agreement at any time, but termination by either of us does not affect your obligation to pay the account balance. The cards remain our property and you must recover and surrender to us all cards upon our request and upon termination of this Agreement 5. CREDrr INFORMA71ON -You authorize us to investigate your credit standing when opening, renewing or reviewing your account, and you authorize us to disclose information regarding your account to credit bureaus and other creditors who inquire of us about your credit standing. 6. MONTHLY PAYMENT - We will mail you a statement every month showing your Previous Balances of purchases and cash advances, the current transactions on your account, the remaining credit available under your Credit Line, the New Balances of purchases and cash advances, the Total New Balance, the Finance Charge due to date, and any other billed fees, and the Minimum Payment required. Every month you must pay at least the Minimum Payment within 25 days of your statement dosing date. By separate agreement you may authorize us to charge the minimum payment automatkcally to your share or checkng account with us. You may, of course, pay more frequently, pay more than the Minimum Payment, or pay the Total New Balance in full, and you will reduce the finance charge by doing sa if your monthly payment exceeds the total credit line balance owed, we will aubmabc* post the credit to your 51 shares. The minimum payment wig 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 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 queston. If we find that we made a mistake on your statement, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, If our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your statement. And, we must tell you the name of anyone we reported you to. We must tad anyone we report you to that the matter has been settled between us when t finally is. If we don't follow these riles, 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 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 pries 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 iris property or services. demand. We wig apply payments in the following manner. first to previous We fees, then to previous cash advances finance charges, then to previous purchase finance changes, then to current late fees, then to previous cash advance balances, then to previous purchase balances in the order that they were posted to your acoount, then to current cash advance balances, and then to current purchase balances. 7. FINANCE CHARGES - You can avoid the Finance Charge on purchases by paying the full amount of the New Balance of Purchases each month within 25 days of your statement closing date. Otherwise, the New Balance of Purchases, and the subsequent purchases from the date they are posted to your account, will be subject to Finance Charge. Cash advances are always subject to Finance Charge from the date they are posted to your account. Purchases: We calculate your finance charge by multiplying the average adjusted daily balance (see explanation below), including new purchases, for the billing cycle by the monthly periodic purchase rate and corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum. Cash Advances: We calculate your finance charge on cash advances by multiplying the average adjusted daily balance (see explanation below) for cash advances during the bitting cycle by the monthly periodic advance rate and corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum. Balance Computation Method Average DaJV Balance for Purcriases - The Average Daily Balance for Purchase Transactions is calculated by adding the Daffy Balances (Purchase Transaction) for each day in the billing cycle, and then dividing by the number of days in the billing cycle. To calculate the Daily Balance fcr purchases each day, we take the following steps: We take the outstanding balance (all amounts you owe) at the start of the day. Then, in the sequence in which amounts are posted to your account, we add the amounts of all debits and subtract the amounts of all credits or payments which post to your account that day. After applying payments and credits, we subtract the amount of any, unpaid Finance Charges or Late Charges. Then we also subtract the amount of any Cash Advance transactions that posted to your account on that day or in any previous day in the billing cycle. This gives us the Daily Balance for purchases. Average Daily Balance for Cash Advances - Cash Advance Transactions which are posted to your account are not included in the Average Daily Balance calculation for purchases, and are therefore not subject to the monthly periodic rate for purchases. The Average Daily Balance is calculated separately for Cash Advances and is subject to the Cash Advance Monthly Periodic Rate. The Average Daily Balance for Cash Transactions is calculated by adding the Daily Balances (Cash Transaction) for each day in the billing cycle, and then dividing by the number of days in the bigBng cycle. To calculate the Daily Balance for cash each day, we take the following steps: We We the outstanding balance (all amounts you owe) at the start of the day Then, in the sequence In which amounts are posted to your account, we add the amounts of all debits and subtract the amounts of all credits or payments which post to your account that day. After applying payments and credits, we subtract the amount of any unpaid Finance Charges or Late Charges. Then we also subtract the amount of any Purchase Transactions that posted to your account on that day or in any previous day in the billing cyde. This gives us the Daily Balance for Cash Advance Transactions. Note: Cash Advances we always subject to finance charges and from the day they are posted to your account Payments are applied in the following manner: first to previous late fees, then to i previous cash advances finance charges, then to previous purchase finance charges, then to current late fees, then to previous cash advance balances, then to previous purchase balances in the order that they were posted to your account, then I 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 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 ivtonthly Periodic Rate to your Account on your next statement. 8. DEFAULT - You will be in default if you fail to make any Minimum Payment within 25 days after your monthly statement closing date. You authorize us to transfer funds sufficient to make the minimum payment due if 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 it your ability to repay us is materially reduced by a change in your employment, an increase in your obligations, bankruptcy or insolvency proceedings involving you, your death or your failure to abide by this Agreement, or if the value of our security interest materially declines. We have the right to demand immediate payment of your full account balance if you default, subject to our giving you any notice required by law. To the extent permitted by law, you will also be required to pay our collection expenses, including court costs and reasonable attorney fees. 9. USING THE CARD - To make a purchase or cash advance, there are two alternative procedures to be followed. One is for you to present the card to a participating Visa plan merchant, or another financial institution, and sign the sales or cash advance draft which wig be imprinted with your card. The other is to complete the transaction by using your Personal Identification Number (PIN) in conjunction with the card in an Automated Teller Machine or other type of electronic terminal that provides access to the Visa system. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. The monthly statement will identify the merchant, electronic terminal or financial institution at which transactions were made, but sale, cash advance, credit or other slips cannot be returned with the statement. You will retain a copy of such slips furnished at the time of the transaction in order to verity the monthly statement. The Credit Union may make a reasonable charge for photocopies of slips you may request 10. OVERDRAFT OPTION - If you elect to overdraft to your PSECU Visa Credit Card, that election is subject to the existing credit limit and the agreement 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 cash advances will apply. 11. RETURNS AND ADJUSTMENTS - Merchants and others who honor the card may give credit for returns and adjusthtertts, and they will do so by sending us a credit slip which we will post to your Visa tine of credit If your credit and payments exceed what you owe us, we wig automatically post the excess credit balance to your S1 Shares within 75 days. It the balance Is one dollar or more, upon your written request, we will refund the credit balance to you. 12. FOREIGN TRANSACTIONS - The exchange rate between the transaction currency and the biting currency used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa Itself receives, or a government-mandated rate in effect for the applicable central processing date. In each Irunance, an adjustment may be assessed based on the ISA fee imposed by Visa. This be, which totals I% of the transaction amount, wig be assessed on all transaWons whom tow merchant country differs from the country of the card issuer. 13. DISPUTED TRANSACTIONS -- It you disagree or find an error with a Visa ATM CARD CARDHOLDER AGREEMENT - The Undersigned (you or your), in consideration of THE PENNSYLVANIA STATE EMPLOYEES CREDIT UNION (we, our and us) issuing to your an ATM CARD, hereby agree to be legally bound by the following terms and conditions. You agree that the use of your ATM card(s) constitutes acceptance of the terms and conditions of this Agreement. You understand that ATM is a credii-related service and you authorize PSECU to obtain a credit report on any users of this account 1. ACCOUNTS AND USES OF ATM CARD - You have the account(s) (including Checking and Regular Shares), which we set forth on your application form with this Agreement. You hereby request that we issue to you one or more ATM CARD(s) to be used in connection with such accounts as described in this Agreement. You understand you may use the ATM CARD at a STAR SYSTEMSO ATM to (1) withdraw cash from, (2) make or arrange for deposits in, (3) effect transfers to or from your account, (4) receive information regarding the balance in your account(s) or (5) make cash advances from your credit aocount(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 balarhces in your Checking or Regular shares. It 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 shaft be requesting us to withdraw funds in the amount of such Purchase (inducting 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 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 tnat the uses of the ATM CARD described transaction, and have tried in good faith is correct tie problem with the merchant or the charges are the result of unauthorized or fraudulent use, or your purchase cost i more than $50 and was made from a plan merchart in your state within 100 miles ' of your home, contact PSECU. You are required to notify PSECU in writing within 50 days following the date on which we sent your statement wherein the error or problem first appeared regarding any d•screpancy 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 requ re a notarized affidavit. In some cases we may ask you to notify the local authorities. If we do not receive the proper requested documentation in the time specified you may be held responsible for the transaction(s) in question. PSECU must adhere to ' strict dispute timeframes set forth by Visa. 14, SECURITY INTEREST- To secure your account, you grant us a purchase money security interest under the Uniform Commercial Code in any goods you purchase through the account. H you default, we wig 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, d 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 thorn other security agreements, except for your home. 15. EFFECT OF AGREEMENT - This Agreement is the contract which applies to all transactions on your account even though the sales, cash advance, credit or other slips you sign or receive may contain different terms. We may amend the Agreement from time to time by sending you the advance written notice required by Iaw.Your use of the card thereafter will indicate your agreement to the amendments. To the extent the law permits, and we indicate in our notice, amendments will apply to your existing account balance as well as to future transactions. 16, LATE PAYMENT CHARGE - If your Minimum Payment Is not received by the first day of the month following your due date, you will be subject to a $20 charge. 17. RUSH FEES --You may incur additional charges for rush processing and rush delivery of cards and/or PIN maiter. 18, OVER LIMIT FEE- A S20 fee will be applied for each monthly statement closing date on which the outstanding balance exceeds the assigned c ractt irnd by more than $100. 19, DRAFT COPIES - You may incur an additional charge for transaction summary/sale draft documentation. 20. COPY RECEIVED - You acknowledge receipt of a copy of this Agreement. 21, ILLEGAL TRANSACTIONS PROHIBITED - You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. 22. NO USE - Inactive Visa accounts that have no purchase or cash activity may be closed without notice to you after 18 months of no activity. 23. NEURAL NETWORK - PSECU uses neural network systems to predict and prevent unauthorized transactions. There may be occasions when a transaction is dedined because it is lixi calve of possible fraudulent activity. in this Agreement shag 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 acknowledge that the Personal Identification Number or PIN which you use with the ATM CARD is your signature, identifies the bearer of the Card to the STAR SYSTEMS ATM, PLUS SYSTEM ATM, or other network ATM and authenticates and validates the directions given just as your actual signature and other proof identity 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 Selt-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 given just as your actual signature will authenticate 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 nailed 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. (erkgnc Funds_Trartsfer,. ATM_ggreement and._RegulaAot?"E_' Disctosrrre (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 oid card, destroy the old card by tuning it in half. it you attempt to use your old card. ;t 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 Teller machine (ATM). You agree to pay the charges or transaction fees which are charged by us for these services or for services which may later be offered as such fees or charges may be imposed or changed from time to time. 5. DEPOSITS - You agree that when you make a deposit at a STAR SYSTEMS ATM that we have the right to verify the deposit before we make the money available to you. If you deliver cash, checks or other items to a STAR SYSTEMS ATM, you understand and acknowledge that the funds from your deposit may not be available for immediate withdrawal and that the availability of your deposit shall depend on our rules and regulations regarding the particular account in which you are making a deposit, the items that you are depositing and whether the deposit is made at a STAB SYSTEMS ATM that is owned by us or another financial institution. You also understand and acknowledge that not all STAR SYSTEMS ATMS may accept deposits and some STAR SYSTEMS ATMS may limit the amount of funds which may be deposited and that we may not control these limits. 6. LIABILITY - If the ATM CARD is issued for a joint account, you agree to be jointly and severally liable under the terms of this Agreement and the agreement for such account. You agree that if you make deposits or payments to your account(s) with items other than cash (checks, drafts or other items) and we make funds available to you from such deposits prior to their collection, you agree that we may deduct the amounts of such funds from your account(s) which are not collected or, if the funds in your account(s) are insufficient at such time, you will promptly pay to us any amount of such funds which are not collected. 7. AMENDMENT OF THIS AGREEMENT - You agree that from time to time we may amend or change the terms of this agreement Including amendments or changes to add further ATM CARD services or to amend or change the charges for these services. We may do so by notifying you in writing of such amendments or 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. 8. OWNERSHIP - You agree that the ATM CARD is our property and you will surrender 8 to us upon our request. You agree that the ATM CARD is non- transferable. 9. DISCLOSURES -You hereby acknowledge receipt of the disclosure statement informing you of your rights under the Electronic Funds Transfer Act and a copy of this Agreement. REGULATION "E" DISCLOSURE 1. ELECTRONIC CHECK CONVERSK)NXLECTRONIC 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 deblt your account for returned check fees. You are considered to have authorized these eilsevonic funds transfers 0 you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or 0 you sign a written authorization. 2, SUMMARY OF CONSUMER LIABILITY - • ATM, ACH and SST - Tell us at once it you believe your card has been lost or stolen. 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 loam of the loss or theft, you can lose no more than 550 if someone used your card without your permission. If you do not tell us within two business days after you learn of the loss or theft of your card, and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money it you had told us in time. 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 (in Harrisburg). After hours, follow the menu options on PSECU's voice mail system to report a lost or stolen card. For Visa Credit or Debit Cards, follow 07e directions for Lost Card 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: 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 TDD (800) 472.1967 Nationwide (717) 777-2100 in Harrisburg 4. FINANCIAL INSTITUTION'S BUSINESS DAYS - • ATM, ACH and SST - PSECU's Business Days are Monday through Friday. Holidays not included. 5. TYPES OF ELECTRONIC TRANSFERS A CONSUMER MAY MAKE - • ATM - Balance inquiries on checilng, savings and PSQ wifrawals from checking/savings; cash advance from PSQ deposits to checking/savings; purchase goods and services at any accepting retail establishment. • ACH - Preauthorized debits and credits to checking and savings. • SST - Balance inquiries and transaction histories on all share, certificate and loan accounts; transfers from any share to another share or loan account from your PSL to any share or loan account; withdrawals from any share except IRA shares or certificates. 8. ANY CHARGES FOR ELECTRONIC FUNDS TRANSFERS OR FOR THE RIGHT TO MAKE TRANSFERS - • ATM - Fifty cents for each disbursement (cash advance or withdrawal) less than $20; fifty cents for each transaction over 15 per month; 25 cent for each balance inquiry; and there may be an additional charge for any adjustment that needs to be made to the account of any member who makes an error while depositing at an Automated Teller machine (ATM). • ACH - $30 service charge for insufficient funds for each electronic transfer. • SST -none 7. SUMMARY OF CONSUMER'S RIGHT TO RECEIVE DOCUMENTATION OF EFTS - • ATM - You are entitled to receive a printed receipt at the time of each transaction. You will recelve 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. • ACM and SST -You will receive a monthly statement showing the status of your account, any transactions made during the month, and any penalties or charges PSECU may impose during the month. • If you have arranged to have a direct deposit made to your account at least once every 60 days from the same person or compartii; you can tali 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. • ACM - Right to Stop Payment and Procedures for doing so. If you have told us in advance to make regular payments out of your account. you can stop any of these payments. Here's how: Call us at (800) 237-7328 (Nationwide) or (717) 234.8484 (Harrisburg) or write us at: Pennsylvania State Employees Credit Union, P.O. Box 67013, Harrisburg, PA 17106-7013, In time for us to receive your request three business days or more before the payment Is scheduled to be made. If you call, we may also require you to put your request in writing and get It to us within 14 days after you call. • Nodes of Varying Amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when It will be made and how much It will be, You may choose Instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fail outside certain limits that you set, • Liability for Failure to Stop Payment of Preauthorized 7h infers. U 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 tail 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 ilme or in the correct amount, when properly instructed by you, PSECU wig 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 begat 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 Ube 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 fjgs: trp_nis F n s Lam, ATht Agrgem_?nt and , ftg?ul, tior?_,' _ " D sclosurg {confined) permissible transaction listed above; or, (11) the transaction would exceed the security limitations on the use of your ATfA CARD. • ACH and SST - If PSECU fails to complete a transaction on time or in the correct amount, when properly instructed by you, PSECU will be liable for damages caused by our failure unless: (1) there are insufficient funds in your account to complete the transfer; (2) the funds in your account are uncollected; (3) the funds are subject to legal process; (4) the transaction you request would exceed the funds in your account plus any available overdraft credit; (5) PSECU has reason to believe that the transaction requested is unauthorized; (6) the failure was causes by an act of God. fire, or other catastrophe, or by another cause beyond control. In any case, PSECU shall be liable only for actual proven and not consequential damages if the failure to make the transaction resulted from a bona fide error despite PSECU's procedures to avoid such errors. 10. DISCLOSURE TO THIRD PARTIES - • ATM, ACH and SST - PSECU will disclose information about your account to third parties: (1) when it is necessary to complete transactions: (2) to verity the existence and standing of your account with PSECU upon request of third party, such as a credit bureau; (3) to comply with government agency or court orders; (4) in accordance with your written permission; (5) to comply with government or administrative agency summonses, subpoenas, or court orders; (6) on receipt of certification from a Federal Agency or department that a reWast for Information is in compliance with the Right to Financial Privacy Act of 1978; Regulation P, Privacy of Consumer Financial Information; and (7) when it is necessary to take legal action to recover shares. 11. STAR SYSTEMS SERVICES - + ATM Only -You may use your ATM CARD with your Personal Identification Number (PIN) at STAR SYSTEMS located in Delaware, Maryland, New Jersey and Pennsylvania to conduct any of the following transactions for the accounts accessed by your ATM CARD. a) Determine the account balance(s) of your Checking your Regular Shares, and your Personal Service Loan (PSL). b) Withdraw cash from your Checking and your Regular Shares, c) Make a cash advance from your Personal Service Loan (PSL). d) Deposit currency, checks, or drafts (coins are not acceptable) for transmission to PSECU for deposit in your Checking and your Regular Shares. NOTE; There are limited locations in Maryland where deposits may be made. We wish to Inform you that some ATMs located in these areas may only provide access to your Cheddng, your Regular Shares, and your Personal Service Loan. Not all ATMs may accept deposits. There may also be limits on the amount of funds which you may deposit in certain ATMs. 12. PLUS SYSTEM' SERVICES - ATM Only - You may use your ATM CARD with your Personal Identification Number (PIN) at any PLUS SYSTEM automated teller machine (PLUS SYSTEM ATM) located throughout the United States, Puerto Rico, Canada, Great Britain and Japan to conduct any of the following transactions on the accounts accessed by your ATM CARD. a) Determine the account balance(s) of your Checking, your Regular Shares, and your Personal Service Loan (PSL). b) Withdraw cash from your Checking and your Regular Shares. c) Make a cash advance from your Personal Service Loan (PSL). NOTE: Deposits are not available through PLUS SYSTEM ATMs. These are the STAR SYSTEMS services currently available through the PLUS SYSTEM network. Other services may be offered in the future. 13. OTHER ATM NETWORK ACCESS - • ATM Only - From time to time, PSECU may make arrangements with other ATM networks to grant access to ATM CARDS. PSECU shall inform you when such arrangements are made and describe the services that are available to you. Any Charges will also be described. 14. PURCHASE TRANSACTIONS - • ATM Only - You may use the ATM CARD to purchase goods and services ('Purchase') at any retail establishment ('Merchant`) where ATM CARDS are accepted by such Merchant. The amount of all such Purchases will be deducted from your Checking. When you make a Purchase using the ATM CARD, you will be requesting PSECU to withdraw funds from your Checking in. the amount of the Purchase and directing PSECU to pay these funds to such Merchant. 15. LIMITATIONS ON THE USE OF YOUR ATM CARD - • ATM Only -You may withdraw up to $500 per day from one or a combination of your accounts by using a ATM CARD provided the funds are available at a STAR SYSTEMS or PLUS SYSTEM ATM. In addition. you may withdraw,'purchase up to $500 at point of sale locations. PSECU reserves the right ;o reduce this Caily 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 'or 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 revealed for security reasons. The Pennsylvania State Employees Credit Union is not obliged to maintain such limitations. You will be denied use of your ATM CARD if you exceed the daily withdrawal/purchase limit, if you do not have adequate funds available in your account, do not enter the correct Personal Identification Number (PIN), or exceed the frequency of usage limitation. The receipt provided by the STAR SYSTEMs or PLUS SYSTEM ATM or Merchant terminal will notify you of the denial. There is a limit on the number of such denials permitted. Attempts to exceed the limit will result in machine retention of our ATM CARD. The number of attempts that result in machine retention is not revealed for security purposes. 16. ERROR RESOLUTION PROCEDURES - • ATM, ACH and SST - In case of errors or questions about your transactions: Direct inquiries to PSECU at (800) 237.7328 Nationwide, TDD (800) 472- 1967 Nationwide, (717) 777-2100 in Harrisburg, or write PSECU at: Pennsylvania State Employees Credit Union, P.O. Box 67013, Harrisburg, PA 17106-7013, as soon as you can it you think your statement or receipt is wrong, or if you need more information about a transaction listed on the statement or receipt. PSECU must hear from you no later than 60 days after it sent you the first statement on which the problem or error appeared. You must provide the following information: (a) Your name, account number, and ATM CARD number (if a ATM transaction), or reference number (if Self- Service Telephone Transaction); (b) Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it Is an error or why you need the information, and; (c) The dollar amount of the suspected error. if you tell PSECU orally, you must send your complaint or question in writing within 10 business days. PSECU will tell you the results of the investigation within 10 business days for STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE TELEPHONE, or DIRECT DEBIT/CREDIT TRANSACTIONS, or 20 days for STAR SYSTEMS purchase transactions. It we need more time, however, we may take up to 45 days for STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE TELEPHONE, or DIRECT DEBIT/CREDIT TRANSACTIONS or 90 days for STAR SYSTEMS purchase transactions. If PSECU decides to do this, it will recrediit your account within 10 business days for the amount you think Is in error if it is a STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE TELEPHONE, or DIRECT DEBIT/CREDIT transaction, or 20 business days If It Is a STAR SYSTEMS purchase transaction. You will have the use of the money during the time It takes to complete the investigation. If PSECU does not receive your complaint or question in writing within 10 business days, PSECU may not recredit your account. If PSECU decides there is no error, you will be advised within three business days after the investigation is completed. You may ask for copies of the documents PSECU used in the investigation. If PSECU credits your account while investigating, you must repay those funds It PSECU concludes no error has occurred. 17. ATM SURCHARGE - If you use an ATM that is not operated by us, you may be charged a fee by the ATM operator and by any national, regional or local network used in processing the transaction (and you may be charged a fee for a balance Inquiry even it you do not complete a fund transfer). The ATM surcharge will be debited from your account if you elect to complete the transaction. Notice To Consumers Using ATM's • Be alert to your surroundings. It you doubt the safety of a particular location, choose another ATM. • If the ATM has an entry door, close the door prior to initiating your transaction. • Put your cash away immediately. • Direct complaints concerning ATM security to an appropriate department of the owner of the ATM. New Jersey residents: you may call the New Jersey Department of Banking at (609) 292-7272. For those members who purchase a vehicle under the DRIV Program, please review the following FTC Notice: NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINSTTHE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 3' 3 0 S a? ? J n? &N 3a? g ? ?o a 9- n3 ?qqpp N?? Q Nv? r ?EY? uWO.AN' 0 ? WWOI t D O?? N O? r ; Y Y Y Y? p p 0p O J 0 0 0 8 7 p NOp ? O? O? ??? .? O y ??< 0 Y Y Y n 61 ??? F] O y Y< <Y s 1 A 7 A C ?Y (? 16 [3f Sf V tN.INpM ? QggY i j Q^3a Q 0 l a . t{ ?p Wn v ° V ee ? p { p i p ID ?D tpO N ? ? ? ? `aa r:. oao? >?aSw7So ?fCS$#S; ? y M 3 N NNN N ? CD' . b bob o ? O n CL ? NNN N O? i O O 4 ? q? n' .e N y q g gc g• . p`fQ.•?qpy?? ytPN1?O Y ?y?? g?(P 1n ? 11 j? a A > R ? s' - qq NM siNN k $ N Y1 NNN I+NNr N N N y N N w ?$? ?L N N gq N H N ?YI.1 rrr i pQ O G C. O 2 ?..3 2i S vs?$ N $ f;Bi5df?iN ? ° ? M? 0°g3 ' e s8 s ag RO ?. e? A n? y i ~ 0 C w ? ? ` C? ? a D a: n < b e w R' ` d s 5 c P 511 < ? Y `' 43R ?8 G .:T 3= 3 n ? at 3 4 e aa ?s I G 1 0 a S a =4 ,QQp?QtiQ f;r QQ: Syuf?. yya??i§?+t Qn e; g Y?B E 'C18 o 1.,0. Y+^?.? ?? ?? ; 4 I s t'1„ r8.'_Q ,?S'E $$ tS2S7SL5?5i5e Y.$ ?Q 111 .?+. b oboeooeeoo - f? 3 f? v b q 25 I 'g y3_, y3?SSSSQ 3?_}S.St? ( ??+?? .. j(Q??q Tn ?n1?.'- 7¢r.? ?$,eC ?Y ? a? oa6bj566S41Y03a. z 3 ?gi' SKXZ?1? y°?QQa=t$aA '° pt `?3yio g !?? n a? a p 8a4??'? ,?•yi+???d [!".III ?s p ; C i 1f My ?. .?' $. A {0 1 &1 F-,. n ? e apb• yO ?•' IN?INN 7'.?[ 'Q? ¢ a? ?a3 8a 03? S ? n 0.R ? O G ? C ?{ ?' ? o ? ? 11 • ??„ .i L CG ?J$1 ^ Fyn. C - O, a S. gg :1 ' m », $ ?, IL _• d :, a3 M?Qp?•?p g _ Q g ;` a cag3'r a a$ e r T! ?' ?3 a ya} t '?' T s 3 R pp 0 O Ee S- ??r3 ^ o$ g q? 39 ?g??.s '?, i If's _o _G _b _bb o_b OOgL •'? .{' a. s, E q S a 3?3 F-O 7 ° a S e 0S- r. o Fo 8 S 12 o 0 o a .5 ??5 ?SSBS 8 252pS2pSpppr??5 °_ T ?e?s3Y? " 9a " a 8' 3Tg `rn '? 4 'a L mgq 4 ?a?g m ss n= O dU?3?n '?Q s. ?.. C" F $$$OI?.O25 pia o ?'-+J S 0 QQ• oooefi' - C s o• st? p ? ? cm .gym a l? ga i ? _ ? O ?.i?Q3 ??• a. r? ? ?b3?2 ?°r?x°B <h '04 7, 'n ? ?r ?' 7 8 1 S ?= n e ? ? m T .?T? a? 1S i? 5 y ?? X rt c 4 8'og$8I35Sf?'f?3 ? Wry } ??s ? s< x $ • ? c ? e t o °a 9 3 n at 9* o 5 3 a `_? a o c zr s v Q3y 2 o` B s{ a' o a Y ? g' ' qt? p m.e_1 °0 g ooc3 oo.?ooc qq ?' ?; '? (+a ?-, •o o :o 3 rt i . ? a S' f >0 r- Z r m CL CL !D flY C 3 I? 1 V ~ OIOWI4PIn AW7Sa 0 CbVP UAW N-?OdO?V PUA WN-?? vN % n o a OR i e% a G I{SZ° p O_. ? A o n?o 3 r ? N o Z -N c ? n .? o :rn D 000000 000000 0000 p0 000000 000000 ?7p 3 `aa y? aa 3 2G ; R ii"P-jNNIJ NWca _WWW WI.JWW WA AA S.'s(nCA LkU g0 ISa n c ?.?--• ?b_ A, VI T)- 3 O V?NODO tn0CDV AA AAAOD NOO. C^OWOOVV WN-0000 /F'fil '-1 F O n O g. Win ; n n -0 a O .9 AOWOVN OWW-•NP COMWA. Ad AVVAON 01VN000 O;?nOf 2p N'D n'? A'te' yQ.M tt7T- p N O <pp '' q? O N v]S03(? ?ON3`OOto0x 0641 O.LhOEAUU CAOLM nCnA AAAAAA Zu t wWW WWWWWW 7 NS*}°.? q< ?emi?8 Oj 0 A R 0,0 CO VP to AWN-Od CD VPtnAW N-?O'OCOV PNA WNW Ow p g n gpp N NO,S,? j' ? ?Wn n O ? ? NGO NQ bO? Q ? 'Z 000000 000000 000000 000000 000000??7yp, 8JQ OD 0000MWM -0-0-0-0-00 OOOON? NNNNWW WAAA(nO F1 n ??? ?' o O- - ~2 n Y7? p 0"(401407 -WAPQD h.)L, NU OOOWO.ON POAV?O a ?--,a -0CO.0CDWd OS -40,010 ODPAdInN OWU ON vODWdd? ,.,. -C 80i 3'?Vpm?g? g » C Q o Q QmcS -^^,cyN ?-iL ?NO]-oO??SSxG Kn? 9 ,OCDODODODOD CDOODWCDV .0.014.0 Vv .0.014010-01 PPPO-PP ?n'? TA'g o c? : c p o° n.Q ?l Od0-40-0 AWN--010 CO.0OIL" w Nj OdpDV P0 b, (A 11SL ' p 3 ac p O TA$aQ,An Q n2?T`a- ^T i OOOODO 800000 000000 000000 000000 03 Q? g 033- g -3 80 AA{hNU/n lnN7(nNUN UPPP PP 0-.0.0.0.0.0.0 c c 3 2- ^ c c- y 3 a' 3 ?O-0O?NW WAV7PVa1 -0O-N WA CS d0? WAUP07d R WOD.0A-O WO 0V7WW WUWA WU ODV-U70P ONWPW? O ? R <n 3 a c •,ec, ?` '`fir % 30-.28 »`33og 8 3 ig 8.20 f"8 jo? s NUJ-?-?? ??J??pp bp00000 00-p-000.0 PUAWN-? n - O T Q 7 $_ 2 _ N O ?72 OdWVPCn AWNOG VPUAW N-+O 0 -00000 000000 000000 000000 000000 n 438 '?">>90 _Wwwwww wwwwww wwwwws AAAAAA AAAAAA , sgg.? 8. a g-2- f NNWWJ. AOOZOPN .0400'0'00 -? NNWA -t."O g m { TH n' 3 oPO.0WO.N 141-JO 0 (AdN-O Lh -JMNCDODN dAOOf OU ? C -3 - "1 3 an _332 n o? egg 3f 3a4__ 8 N - 3:5 pa a 8? 8a gaQ ?SM a N X a N N 4 e T. e C o2ov? 4 a c O AC < 0 ^? ? Q r ?3 &3 9•- 3•a n g c sTiO --w 0 B n73 3` a 3- ,$"o c -c m z?lo S c 4 e c o e 3 nCro 3 <e c e my M 3 s q 5'8 S'a o lnT,mLO*, aw 2 70 > > c A3M?c rcZ 8L'rn?'2.oQ° gyT(1 ' S an d a m' 3 C p a p> `y C c p M _Q b 1 0 c e n p p 6. Y f0 e c ?gm°-ca g3 °33a ir(?ln?3nmo o of13 (10 $ > >. g?.tO $-a 3'n 2? =x am' 3.' Q` 8 i Q amC' o s 3 7 c o Co -A =7° e c C aQ 3 73 Q 3 oDpgqa?o?vHas TQn?B on?oao n 'n ?,o3•`?n° aa`?yaQ ° ?-<? R ??m? g n s"n ?'Tn ?0{3? 2 tq0, pg? n s ft a O< n= 3•' c ?- T 3 4 a k r p ?D « '? _ ` 2 3r 0 2 n g^ 0 ?. ° A' 44 8 C. ?r o. °. s°s n 40 H N o a < g a o ?? 31 7g ypI 0 3 a cn A° ?• A ry b$ t^D T e ?? u w p ?• e$ A O' G' d C ?- O 24 4. p c 8 m ii m^ o n ?- o o h n' a m `° a a' n? ° v u c o c cmioo3m?gaQw2o"x.m ?0 0 ?$sn0 ^3.ga°°-vim T Q ° e Ng ii a r c3 o^c o s r o ea ? Q O o o o n s Q 3- ,? E a e 9 g a°. fl s o 4 E n c 0 Q S 4 e 2 0 3 3 O n ?. f• C c ,. ^DD H C2D , , C e °; c ?L g _ S 7C A_ O .Q. . ?? CL& S.C° n -6-. dT CL 7• C 3 -°..c ° F? Q O ?. D !' a 7 ? m S< C .C a 3. 4 0 0 to e d e ° O. = S p U 3 m n ?e < 7 2 O Q S? x c ?. s 8 n co o r c° e g 'o c° 7 a n o o h- '_°. 0 3 a o 0 -z. a 0 i5 3 - fl 3^° o T° 3 c :' 9 3 K. c c c_ o c '' 0 3 c Q o 0 o e p c; o } e 2 x Q 8 b e 'n < S 0 o° T a c ' ?g ^3°° g, aS ?8»'an °? og?0, ' A ' to Q C] QQ n m' •` O' 0 to 8 w ?. N c m 3 n O a- n< Q O m A C .? eryp3 gyp' _a N f? o N .9 pO m '0 4' m 'O_ ?^.. E ?. n m 0. ,p X 0 3 r1 f^D n = O c L O 3 = O < c < O p .^-+. ^ j ry A d' t' j• :5 0 O S A N '9 Q3 O- C e S '? - p f i r-?,a ? v `? od G.P c F _.,,. ? ? s ?} --•~ O f ? i ? SHERIFF'S RETURN - NOT FOUND CASE NO: 2008-03618 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND PENNSYLVANIA STATE EMPLOYEES VS JOHNSON-HICKLEN CAMILLAH A R. Thomas Kline Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT JOHNSON-HICKLEN CAMILLAH A but was unable to locate Her in his bailiwick. He therefore returns the t1nMnT T TTTM i'_ TTnMT0V NOT FOUND , as to the within named DEFENDANT , JOHNSON-HICKLEN CAMILLAH A 7 PINE ROAD APT 607 MT HOLLY SPRINGS, PA 17065-1936 PER MOTHER, DEFENDANT NO LONGER LIVES AT THIS ADDRESS. NO FORWARDING ON FILE AT POST OFFICE. Sheriff's Costs: So answ Docketing 18.00! Service 6.00 -?? Not Found 5.00 R. Th s Kline Surcharge 10.00 Sheriff of Cumberland County .00 bf 3 9 . 0 0 VAN ECK & VAN ECK 06/26/2008 Sworn and Subscribed to before me this day of A. D. ' t IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA 0, PENNSYLVANIA STATE EMPLOYEES NO. (? - 3419 ivic TarVK CREDIT UNION, Plaintiff VS. CAMILLAH A. JOHNSON-HICKLEN Defendant CIVIL ACTION -LAW NOTICE TO DEFEND Pursuant to PA RCP No. 1018.1 You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after the Complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CAN NOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Assoication 32 S. Bedford Street Carlisle, PA 17013 (717)249-3168 1-800-990-9108 IM COPY FROM RECORIC to Thy muted, I We canto set r:y h.?a nW of said CoLV at Cartwk, Pa. 17* dim at \ - - d_008 QTR, no r Document #: 180057.1 EN LA CORTE DE ALEGATOS COM UN DEL CONDADO DE CUMBERLAND, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES NO. CREDIT UNION, Plaintiff VS. CAMILLAH A. JOHNSON-HICKLEN Defendant CIVIL ACTION -LAW AV I S O PARA DEFENDER Conforme a PA Niue. 1018.1 USTED HA SIDO DEMANDO/A EN LA CORTE. Si usted desea defender conta la demanda puestas en las siguientes paginas, usted tienen que tomar acci6n dentro veinte (20) dias despues que esta Demanda y Aviso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando por escrito con la Corte sus defenses o objeciones a las demandas puestas en contra usted. Usted es advertido que si falla de hacerlo el caso puede proceder sin usted y un jazgamiento puede ser entrado contra usted por la Corte sin mas aviso por cualquier dinero reclamado en la Demanda o por cualquier otro reclamo o alivio solicitado por Demandante. Ustedpuede perder dinero o propiedad o otros derechos importante para usted. USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSEGUIDA. SI USTED NO TIENE UN ABOGADO, VAYA O LLAME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACI6N DE C6MO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACI6N ACERCA AGENCIAS QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. Cumberland County Bar Assoication 32 S. Bedford Street Carlisle, PA 17013 (717)249-3168 1-800-990-9108 Document #: 180057.1 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES NO. CREDIT UNION, . Plaintiff VS. CAMILLAH A. JOHNSON-HICKLEN Defendant 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, Camillah A. Johnson-Hicklen, is an adult individual with a last known address of 7 Pine Road, Apt. 607, Mt. Holly Springs, PA 17065-1936. 3. Defendant is, and at all relevant times material hereto has been, the primary loan applicant. 4. Defendant applied to Plaintiff for a loan for the purpose of purchasing a motor vehicle. 5. The loan application submitted by Defendant was approved by Plaintiff and Defendant signed a Loanliner Advance Proceeds Check for the purchase of the vehicle. A true and correct copy of said Loanliner Advance Proceeds Check is attached hereto, incorporated herein and marked as Exhibit "A". Document #: 180057.1 6. Pursuant to the Loanliner Advance Proceeds Check marked as Exhibit "A", Defendant agreed to the terms and conditions of the extension of credit as set forth in the Loanliner Credit and Security Agreement (hereinafter referred to as "Contract"). A true and correct copy of the Loanliner Credit and Security Agreement is attached hereto, incorporated herein and marked as Exhibit "B". 7. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms and conditions of the Contract marked as Exhibit "B". 8. Various charges and payments were made by Defendant on the account. 9. Plaintiff provided a letter to Defendant stating that the vehicle purchased by Defendant was deemed repossessed. The letter further advises Defendant that unless payment in full was made on the outstanding loan balance, the said vehicle would be sold at a public sale and Defendant will be responsible for any resulting deficiency. 10. As a result of Defendant's failure to cure the default in payment, and pursuant to state law remedies, Plaintiff sold the vehicle at public sale: 11. Plaintiff provided a letter to Defendant indicating that there was a resulting deficiency after the sale of the vehicle. 12. Plaintiff has maintained a statement of account keeping an accurate and running amount of debits and credits made on Defendant's account. 13. Plaintiff has submitted to Defendant a copy of the statement of account accurately showing all debits and credits for transactions with Defendant. 14. Defendant has not objected to any of the monthly statements of account submitted by Plaintiff to Defendant. Document #: 180057.1 15. Despite Plaintiff's reasonable and repeated demands for payment, Defendant has failed, refused and continues to refuse to pay all sums due and owing on Defendant's loan account balance, all to the damage of Plaintiff. 16. As of June 13, 2008, the balance due, owing and unpaid on Defendant's loan account with Plaintiff is -the sum of Eight Thousand Four Hundred Thirty-Nine Dollars and 22/100 ($8,439.22). 17. Pursuant to the terms and conditions of the extension of credit contained in the Contract, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest charge on the principal loan balance. 18. Due to the default of the Defendant and pursuant to the terms and conditions of the Contract attached as Exhibit "B", attorney's fees in the total amount of One Thousand Seven Hundred Twelve Dollars and 84/100 ($1,712.84) have been added to the account. 19. Any and all conditions precedent to the bringing of this action has been performed by Plaintiff. 20. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. Document #: 180057.1 WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, respectfully requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant, Camillah A. Johnson-Hicklen, in the amount of Ten Thousand One Hundred Fifty-Two Dollars and 06/100 ($10,152.06), plus interest, the costs of this action, and such other relief as the Court deems just and proper. Respectfully submitted, VAN ECK & VAN ECK, P.C. By: Melissa L. Van Eck, Esquire Attorney I.D. No. 85869 P.O. Box 6662 Harrisburg, PA 17112 717.540.5406 Document #: 180057.1 VERIFICATION I, Gregory R. Diffenderfer, Manager of the Pennsylvania State Employees Credit Union verify that the statements made in the aforegoing document are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. §4904, relating to unworn falsification to authorities. Pennsylvania State Employees Credit Union By: Title: Date: ?-JUJW V0 EXHmTT " A," i 10ANUNK. ADVANCE PROCEEDS VOUCHER AND SECURITY AGREEMENT 1) Union r tLiip 013 (717) 234-8484 the financial linkTM (800) 237-7328 - •.MEMBEB'.N,IUZ(E.r. ? 4-." h'; . . y-:.y;?Y? - ra..F,y,.. "' .x„:z ?;c' '.6:, ? - ?..,&.!Y 'NO •?^„f'?, ak"'?#, CAMILLAH JOHNSON-HICKLEN 4/22/2005 8304068714 / L10 443967 126 N PITT ST 'k-4. CARLISLE, PA 17013-2333 PuRnealer Purchase TRANS T(PE ACTION 1:1 NEW LOAN 2 ? LOOP6N-END AN ADVANCE S ? OTHER (DESCRIBE) 4 [ HOME EQUITY ADVANCE L • . _ YOU HAVE PFIEVIOUSLY ELECTED TO HAVETHIS ADVANCE CREDIT DISABLRY [1: SINGLE CREDIT LIFE ?X ? JOINT CREDIT ?? ? ?K INSURED WITH THE FOLLOWING COVERAGE YES [I NO NO YES NO YES DAILY PERIDDIC RATE ANNUAL per. INTERESTRATE IS AMOUNTREQUESTED AMOUNTADVANCED PREVIOUS BALANCE NEW BALANCE (CHANGE NITERM8 ONLY) CENTAQE RATE +01HER CHARGES .015041 5.490 % FDIE D VARIABLE + 17,835. 0 0.00 - 17, 835.00 PAYMENT DUE DATE PAYMENT FREQUENCY PROJECTED LOAN TERM 291.35 5/22/2005 MONTHLY SECURITY OFFERED FTNS IS A HOME EOUITY ADVANCE.TIIE QW&ECAURITY FORMS ADVANCE IS THE REAL PROPERTY pN MOST CASESYOUR HOME) WHICH YOU GAVE AS SECURITY WHEN YOUR ACCOUNT WAS EsTAeum*[L FTHIS IS NOTA HOME EOUITY ADVANCE, IN ADDITION TO THE FLEDGE OF SHARESJNVOUR LOAN INEWCREDITAGREEM113MTHEFOLLOWNVG PROPERLY SECURESIHS ADVANCE: REM PRORERr1C ?. HONDA JL a ACCORD 2002 . 1HGCG32752A02839 CPE 17,835.00 a OTHER YOU PLEDGE SHARES ANWOR DEPOSITS OF $ IN ACCOUNT NUMBER OLD ACCOUNTILOAN NUMBER PAYOFF PRINC.+ INT. OLD AOCOIN?ITILOAN NUMBER S FRYOFF RING + INE) OLD ACCOIINTADAN NUMBER O) FXVOFF PRINC. + INT.) OLD AOCOUNDLOAN NUMBER PAYOFF (PRIM+ INT.) OLD ACCOUNTAAAN NUMBER (E) PAYOFF (PRINC. + INT OLD ACCOUNTA DAN NUMBER PAYOFF PRINC.+ INT By accepting the proceeds or by using the funds advanced and deposited Into your shareishare draft account, you agree (1) that the property referenced above w1Q secure the advance and any other advances you have now or receive In the future under the LOANLINER' Credit and Security Agreement (the Plan) and any other amounts you owe us for any reason now or In the future in accordance with the terms of the Plan and (2) to make payments as disclosed above In accordance with the terms of the Plan. O CUNA MUTUAL GROUP. IW GL 9/, r$, S 99.98 4999. DI, 04. ALL RIGHTS RESERVED rcru?o. wnnw a ?n.c cmr..v, acv vnwu vvv.. rvnm .a.... v.n.w.w-. w.-w=-. ?+..., 1 ? V Pennsylvania State Employees Credit Unl R O. Box 67013 Harrisburg, PA 17106-7 SECURITY AGREEMENT In this agreement all references to Credit Union, we, our, or us means Pennsylvani State Employees Credit Union and anyone to whom the Credit Union assigns the Credit Agreement which will be referred to as the Plan. All references to you, your, and borrower mean each person who signs this agreement. All references to the advance mean the amount in the box labeled Amount Advanced. This is a mufti-state document which may be used to lend to borrowers in all states except Louisiana and Wisconsin. 1. THE SECURITY FOR THE LOAN - By signing this security agreement in the signature area or under the statement referring to this agreement which is on the back of the check you receive for the advance,. you give us what is known as a security interest in the property described in the Security Offered section on the reverse side. 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 refinancings 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. 2. WHAT THE SECURITY INTEREST COVERS - The security Interest secures 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.. 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. 3. OWNERSHIP OF THE PROPERTY - You promise that you own the property or if this 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 if as security for a loan with another creditor until the advance is repaid. You promise you will allow no other security interest or lien to attach to the property either by your actions or by operation of law. 4. 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 financing statement to protect our security interest from the claims of others: If asked to do so, you promise to sign a financing statement You also promise to do whatever else we think is necessary to protect our security interest in the property. You promise to pay all costs, including but not limited to any attorney fees, we incur in protecting our security interest and rights in the property, to the extent permitted by applicable law. 5. 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 if the property is damaged, stolen or abused. (6) Not use the property for any unlawful purpose. 6. CONSUMERS' CLAIMS AND DEFENSES NOTICE - The following paragraph applies only when the box on reverse side is checked. NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 7. PROPERTY INSURANCE, TAXES AND FEES - You must maintain property insurance on all property that you give as security under the Plan. You may purchase the property insurance from anyone you choose who is acceptable to the Credit Union. The amount and coverage of the property insurance must be acceptable to us. You may provide the property insurance through a policy you already have, or through a policy you get and pay for. You promise to make the insurance policy payable to us and to deliver the policy or proof of coverage to us if asked to do so. If you cancel your insurance and get a refund, we have a right to the refund. If the xoperty is lost or damaged, we can use the insurance settlement to repair the )roperty or apply it towards what you owe. You authorize us to endorse any draft or ;heck which may be payable to you in order for us to collect any refund or benefits fue under your insurance policy. You also promise to pay all taxes and fees (like a 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 these obligations, but we are not required to do so. Any money we spend for taxes, fees or insurance will be added to the unpaid balance of the advance and you will pay interest on those amounts at the same rate you agreed to pay on the advance. We may receive payments in connection with the insurance from a company which provides the insurance. We may monitor our loans for the purpose of determining whether you and other borrowers have complied with the insurance requirements of our loan agreements or may engage others to do so. The insurance charge added to the advance may include (1) the insurance company's payments to us and (2) the cost of determining compliance with the insurance requirements. If we add amounts for taxes, fees or insurance to the unpaid balance of the advance, we may increase your payments to pay the amount added within the term of the insurance or approximate term of the advance. 8. 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 insurance will not be liability Insurance and will not satisfy any state financial responsibility or no fault laws. 9. DEFAULT- You will be in default if you break any promise you make under this agreement. You will also be in default if you are in default under the Plan. If you are pledging property, but have not.signed the Plan, you will be in default if anyone is in default who has signed the Plari. 10. WHAT HAPPENS IF YOU ARE IN DEFAULT - The following paragraph applies to borrowers in Colorado, District of Columbia, Iowa, Kansas, Maine, Massachusetts, Missouri, Nebraska, South Carolina and West Virginia. When you are in default and after expiration of any right you have under applicable state law to cure your default, we can require immediate payment of your outstanding balance under the Plan without giving you advance notice. The following paragraph applies to borrowers in all other states: When you are In default, we can require immediate payment (acceleration) of what you owe under the Plan and take possession of the property. You waive any right you have to demand for payment, notice of intent to accelerate and notice of acceleration. The following paragraphs apply to all borrowers. You agree the Credit Union has the right to take possession of the property without judicial process if this can be done without breach of the peace. If we ask, you promise to deliver the property at a time and place we choose. 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 will try to return that property to you or make it available to 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 sale or the date after which a private sale 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. The rest of the sale money will be applied to what you owe under the Plan. If you have agreed to pay the advance, you will also have to pay any amount that remains unpaid after the sale money has been applied to the unpaid balance of the advance and to what you owe under this agreement. You agree to pay interest on that amount at the same rate as the advance until that amount has been paid. 11. DELAY IN ENFORCING RIGHTS AND CHANGES IN THE AGREEMENT - We can delay enforcing any of our rights under this agreement any number of times without losing the ability to exercise our rights later. We can enforce this agreement against your heirs or legal representatives. If we change the terms of the Plan, you agree that this agreement will continue to protect us. 12. CONTINUED EFFECTIVENESS - If any part of this agreement is determined by a court to be unenforceable, the rest will remain in effect. 13. 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. 14. NOTICE FOR ARIZONA OWNERS OF PROPERTY - It is unlawful for you to fail to return a motor vehicle that is subject to a security interest, within thirty days after you have received notice of default. The notice will be mailed to the address you gave us. It is your responsibility to notify us if your address changes. The maximum penalty for unlawful failure to return a motor vehicle is one year in prison and/or a fine of $150,000. PS r nr No: 4,479670 Ic6Z is a t mDtrAennaylvanle Sfa1Fl Enrcnrp1VOees' Vedit on ; ` YB CARCCL efYl iltit C7?1o ,?? n'eng . k,.a%Pdtnlx.u/rata?lf».tT» AUTODMFr VOID o%ER. !• 17,835.00 REFKiSNce • .83ei,04M714 VOID l2_A!DAYS FI'TFR: _0312?/OS,. _ , PAY.Ta Tt1E , . ... .• t:?%'? ' . ;; \v,..r T Y-i8 •'•• i? • '::?? •?tti?J`, 'E•;' t DaDla'OF IDEAf.ER),` - r 4• ? t• . ?•. % ', fAPaR ANTI VOID UN f D[ R [ND lEMEM COMRlTED • ` t ; .. ibr urm• T•ti4 •ab.. t•JUU two 4ydr eWu/ W J.•f•'• Wu• •./ Uri V.N D ?/ IitrT er/OlH Nt:-ViM.6Y M to olf Yib AV rsWill. kW •fr•• to ?ftCU-it•AMAJatria W.; at the /lets. 4WO-90 tM 1•!•-tnf J•yymrAll--t 4A .. .J M•AUeertll Mi111 ?i/41h/eYlwrW• •. ?•• •• 7••1 r, 'J• •• • t•••. :1?•,`,, .?• INr rt.o: artiil rotMYMiMhed?r 4 t •low„ 'hMbt?•r?7!.?.M,TnntM.Q/NM Cade QMwMl e.yw.,-? ?' •1 •', u.t4 Wp/f:p/.rllNd .IJJ?•y ..lliln tlluY l •fr9.ns6?:7.. ?t.Cif .?r:N':'W. Q.•"i>:ti- ''? :1?. aaeeet•OVr ri•eu/rA pi.0ah 7W yr•u' .; :,. ,1??? f:r ?!il?J.".,, Ji, ?i.. 'S:. ;,'f; //reu?Aa/nna171wi•.: ti;` ,/: •. 24 t far it ''r•, . ru ti<w ' ? ' Mambr? ErlderuliNnt "?'? 1 • • • - ?' 9?C¢w" / M , ? r ? ? t:i CAMI1IJl!! lUI I N•}IICKI:FN , ' -r ? •'?. Y ?I._ ?y..1• ._ Jj. ?''. ..J'. •?.?' .•1?• • `^^ Co•Applk:mtEnJarwmsnt ,`•s ?a/lottno+" "r^ `; N0C APPUCANT 439G70se'R' 313111 i L6t:' ' '! 310G'47107611;.:4 4 •41!000 i483S000. x;g"s 442285 597 9 28815 36 _Ilia : 9 8 ;K214• 932405 57. 1 , ! _ C5 Il s ?I f. ¢ l 4 i .?fl<_3/ 0S t Tj .0 pw IF m .? ? ? ?t ;, • `fit, r o ILI isg tt??t3#i?' :; Pennsylvania State Employees Credit Union Main Address: 1 Credit Union Place, Horlisbtug, PA 17110.2990 • 717.234.8484 • 800.237.7328 Moiling Address: P.O. Box 67013, Harrisburg, PA 17: 06-7013 • 717.777.2100 (TDD) • 800.472.1967 (CDD) i h•s ardi1 union is fideraliy insu•nd by rirf Notiokol C•edi! Union AdmirisPalion Equal OppAundy Lender vimr.psecu.com Qni&Klbj D EXHIBIT "B" PSECO the financial links. Loan Disclosures This LO/ANLINER• Credit and Security Agreement, which includes the Truth in Lending Disclosures, will be referred to as the Plan. The Plan documents include this agreement and an Addendum. You, your and borrower mean any person who signs the Plan. Credit union, we, our and us mean PSECU or anyone to whom the Credit Union transfers its rights under the Plan. HOW THIS PLAN WORKS - This is an open-end, mufti-featured credit plan. We anticipate that, from time to time, you will borrow money (called 'advances") under the Plan. We are not required to make advances to you under the Plan and can refuse a request for an advance at any time. The Addendum describes the different types of credit (called "subaccounts) available under the Plan, the current interest rate for each subaccount expressed as a daily periodic rate and corresponding annual percentage rate and other charges. It may also have other terms and a schedule for determining the payment amounts. CREDIT LIMIT - We may, but do not have to, establish a credit limit on certain subac counts. If a credit limit is set for a subaccount, you promise not to exceed the established credit limit. If you exceed the credit limit, you promise to repay immediately the amount which exceeds the credit limit. REPAYMENT - You promise to repay all amounts you owe under the Plan plus interest. Payments are due on the last day of the month unless we set a different day at the time of an advance. If the Addendum has no payment schedule for a subaccount, your payment will be determined at the time of each advance. Payments must include any amount past due and any amount by which you have exceeded any credit limit you have been given for a subac aunt. You may repay all or part of what you owe at any time without arty prepayment penalty. Even if you prepay, you will sift be required to make the regularly scheduled payments unless we agree in writing to a change in the payment schedule. If you have a joint sharodrait account. you wig be responsible for paying all overdraft advances obtained by a joint holder of the sharedraft account Unless otherwise required by law, payments will be applied to amounts owed under the Plan, in the manner the Credit Union chooses. PLAN ACCESS -Nbu can obtain credit advances in any manner authorized by us. it we allow you to use your ATM/loin card to access the Plan. you may be liable for the unauthorized use of your ATM/Debit card. You will not be liable for unauthorized use that occurs after you notify us, orally or in writing. of the loss, theft. or possible unauthorized use. If you beaeve your ATM/Debit card has been lost or stolen, immediately inform On Credit Union by calling or writing us at the telephone number or address that appears elsewhere in the Plan. If the card is used to obtain unauthorized advances directly from the Plan, your liability will not exceed $50. If the unauthorized d withdrawal is from a sharedraft account. your liability Is your ?by the card, Regulation e the disclosures you received at it-* time you received You withdrawal results in an advance being made from your overdraft subaccount FINANCE CHARGE - The dollar amount you pay for money borrowed is called a `finance charge' and begins on the date of each advance. A finance charge will be computed separately for each separate balance under the Plan. To compute the finance charge the unpaid balance for each day since your last payment (or since an advance If you have not yet made a payment) is multiplied by the applicable daily periodic rate. The sum of these amounts Is the finance charge owed. The balance used to compute the finance charge Is the unpaid balance each day after payments and credits to that balance have been subtracted and any additions to the balance have been made. In addition to interest, we may charge other finance charges voich are disclosed on the Addendum. If the interest rate is a variable Interest rate, the Addendum explains how the variable interest rate works. SECURITY - You pledge as security for the Plan all shares and dividends and, it any, all deposits and interest in all joint and individual accounts you have with us now and in the future. It a specific dollar amount is pledged for an advance, we wig freeze shares in that account to the extent of the outstanding balance for the advance. Otherwise, your pledged shares may be withdrawn unless you are in default The following paragraph applies in all states except In Ohio, Rhode Island and Massachusetts: We have a statutory lion on the shares and dividends and, it any, the deposits and interest in all individual and joint accounts you have with us and may exercise our rights under the lien to the extent permitted by state law. (We are state chartered if our name does not include the term "Federal Credit Union1 For all borrowers-The statutory lien and/or your pledge will allow us to apply the funds in your account(s) to what you owe when you are In default The statutory lien and your pledge do not apply to any Individual Retirement Account or any other account that would lose special tax treatment under state or teoeral law it given as security. Additional security for the Plan may be required at the time of an advance. If a subaccount identifies a type of property (such as 'New Cars you must give that type of property as security when you get an advance under that subaccount. A i subaccount name such as 'Other Secured" means you must provide security acceptable to us when you obtain an advance under that subaccount. Property you give as security wilt secure all amounts owed under the Plan and all other loans you j have with us now or in the future, except any loan secured by your principal dwelling. Property securing other loans you have with us may also secure the Plan. CREDIT INSURANCE - Credit life and/or credit disabifty insurance is optional j under the Plan. If you qualify for and purchase the insurance from us, you authorize us to add the insurance premiums monthly to your loan balance and charge you ?:i? CAA uu'.;AL 3^oc° '9W. 32,84.66 39 98 e9 2'JW 3: 02 .3 U 05 A_• ;G 1S SE Pennsylvania State Em?loXees Credit Union P.O. Sex 67013 I Harrisburg, PA 17106-7013 1 (717) 234-8434 H,-.rri,nurcg. (800) 237-7328 NL;titan ide interest on the entire balance. if you elect credit insurance, your payments may increase or the period of time necessary to repay your advance may be extended. The credit insurance rates may change during the Plan. if the rates change, we will provide any notices required by applicable law. PERIODIC STATEMENT - On a regular basis you will receive a statement showing all transactions under the Plan during the period covered by the statement. Statements and notices will be sent to you at the most recent address you have given us in writing. Unless applicable law requires notice to each joint borrower, notice to any one of you will be notice to all. JOINT ACCOUNTS - It this Is a joint account, each of you Is Individually and jointly responsible for paying all amounts owed. That means we can enforce our rights under the Plan against any one of you individually or against all of you together. If you give us inconsistent Instructions, we can refuse to follow your instructions. Unless our written policy requires all of you to sign for an advance, each of you authorizes the other(s) to obtain advances individually and agrees to repay advances made to the other(s). Any joint accountholder may terminate the Plan by giving tars prior written notice. if any of you terminate the Plan, the Plan is terminated for all of you. You remain liable individually and jointly for all advances incurred before termination. I FEES AND CHARGES - It you give us a security interest in certain types of property, we may charge you a filing fee to perfect our interest in the property, If we do, the amount of the fee will be disclosed to you at the time you obtain an advance. We may also charge you other fees in connection with the Plan. Our current fees are disclosed on the Addendum and will be added to your ban balance unless you pay them in cash. UPDATING CREDIT INFORMATION - You promise that you wit promptly give us written notice If you move, change your name or employment, or g any other information you provided to us changes. Upon our request, you also agree to provide us updated financial Information. DEFAULT - The following paragraph applies to borrowers In Idaho, Kansas, Mahre and South Carolina: You will be in default lt you do not make a payment of the amount required when It is due. You will also be In default if we bale" the prospect of payment, performance, or realization on any property g as security is significantly Impaired. The following paragraph applies only to borrowers in Wisconsin: You will be in default If you fad to make a payment when due two times during any 12 month period. You will be in default h breaking any promise made under the Plan materially impairs your ability to repay what you owe or materially impairs it* condition, value, or protection of or our right in any property you gave as ifecurity. The following paragraph applies only to borrowers In lows: You also bps In default if you are more than 10 days late in making a payment default 4 you do not comply with the ttermsof Ow ap your failure to comply materially impairs any property you gave security or your ability repay what you owe under the Plan. The following paragraph applies to borrowers In all other states: You will be in default if you do not make a payment of the amount required when it Is due. You will be In default it you break any promise you made under the Plan or If anyone is In default under any security agreement made in connection with an advance under the Plan. You will be in default if you die, file for bankruptcy, become klsoNont, If you of credit make any false or misleading statements in any credit application or update your information, or g something happens we befieve may substantially ability to repay what you owe. You will be in default if any property you have given us as security is repossessed by someone else, seized under a forfeiture or similar law, or it anything else happens that significantly affects the value of the property or our security interest in it. You will also be in default under the Plan If you are in default under any other loan agreement with us. ACTIONS AFTER DEFAULT - The following paragraph applies to borrowers in Colorado, District of Columbia, Iowa, Kansas, Maine, Massachusetts, Missouri. Nebraska, South Carolina and West Virginia: When you are in default and after expiration of any right you have under applicable state law to cure your default, we can demand immediate payment of the entire unpaid balance under the Plan without giving you advance notice. The following paragraph applies to borrowers in all other states except *Isicons/n and Louisiana: When you are in default, we can require irrimodate payment (acceleration) of the entire unpaid balance under the Plan. You waive any right you have to demand for payment, notice of intent to accelerate and notice of acceleration. The following paragraphs apply to borrowers in all states except Wisconsin and Louisiana: If immediate payment is demanded, you will continue to pay Interest until what you owe has been repaid at the applicable interest rates in effect or, i applicable, at the default rate disclosed on the Addendum. If a demand for Immediate payment has been made, your shares and/or deposits can be applied towards what you owe as provided in the section above called "Security." We can also exercise any rights given by law when you are in default. You agree the Credit Union has the right to take possession of any property given as security under the Plan, without judicial process, if this can be done without breach of the peace. If we ask. you promise to deliver the property at a time and 1 place we choose. If the property is a motor vehicle or boat, you agree that we may CPSMOt PSECU FORM 69148 JBxX0601-2 037-2092.1 (9105) LOANLINER' Credii and Security Credit A or dement (continued) obtain a key or other device necessary to unlock and operate it, when you are w, default. We will not be responsible for any other property, not covered by tni: 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. Atler 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 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 sale money has been applied j to any unpaid balance under the Plan. You agree to pay interest on that amount at the same rate as the advance, or, if applicable, at the default rate disclosed on the Addendum, until that amount has been paid. The following paragraph applies only to Wisconsin borrowers: When you are in default and after expiration of any right you have under applicable state law to cure your default, we may require immediate payment of your outstanding loan balance under the Plan and seek possession of property given as security. You may voluntarily give the property to us if you choose, or we may seek to take possession of the property by judicial process. If we repossess the property, you agree to pay reasonable expenses incurred in disposing of the property. If the property is a motor vehicle, mobile tome. trailer, snowmobile, boat or almmlt, you will also be required to pay any costs permitted by Section 422.413 of the Vlrsconsin Statutes. You must pay any amount that remains unpaid after the sale money has beers 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, it 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 default, we may take possession of the property without judicial process, if permitted by the state where the properly is located. The following paragraph applies only to Louisiana borrowers: When you are in default, we can require immediate payment (acceleration) of the entire unpaid balance under the Plan. You waive any right you have to demand for payment, notice of intent to accelerate and notice of acceleration. It immediate payment is demanded. you will continue to pay interest until what you owe has been repaid at the applicable interest rates in effect unless a default rate is disclosed on the Addendum. 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 and our rights under arty security agreements you have with us. CANCELLING OR CHANGING THE PLAN - The following paragraph applies only to borrowers In 119no/s: We have the right to change the terms of the Plan from time to time after giving you any advance notice required by law. Any change to the interest rate or other charges will apply to future advances. The foUowing paragraph applies only to borrowers In Wisconsin. We can change the terms of the Plan from time to time in accordance with Section 422.415 of the Wisconsin Statutes. You will be notified of any change in terms. An increase in the daily periodic rate under a variable rate interest rate is not considered a change in terns 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 pnor written notice. Your obligation to pay the unpaid balances under the terms of the Plan i continues whether you or the credit union cancel the Plan, except to the extent that your liability is limited by Section 422.4155 of the Wisconsin Statutes. The following paragraph applies only to borrowers in town. We can change the terms of the Plan from time to time after giving you any advance notice required by law. A change that increases the rate of finance charge or other charge, that increases the amount of your payments, or that otherwise adversely affects existing 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. no following paragraph applies to borrowers In all other states: We have the right to change the terms of the Plan from time to time after giving you any advance notice required by law. Any change in the interest rate will apply to future advances, and at our discretion and subject to any requirements of applicable law, will also apply to unpaid balances. I The IoUowing paragraph applies to all but Wisconsin borrowers: An increase in the dally periodic rate under a variable interest rate is not considered a change in terms under the Plan. We can cancel the entire Plan or any pan of the Plan at any i time. You may cancel the Plan at any time by giving us prior written notice. Your obligation to pay the unpaid balances under the terms of the Plan continues whether you or the Credit Union cancel the Plan. DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN - We can delay enforcing any of our rights under this Plan any number of times without losing 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 try evidence of any oral agreement. rbe 110110wing Is required by Vermont law - NOTICE TO CO-SIGNER - YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THP If FNnFR 14AR A I Fr.AI RIGHT TO COLLECT FROM YOU, The following paragraphs apply if you give security in connection with an advance under the Plan.They apply to borrowers in all states except Louisiana. Louisiana borrowers will execute a separate security agreement. Borrowers in other states may also be asked to execute a separate security agreement THE SECURITY FOR THE PLAN - You give us what is known as a security interest in all property described in any receipt, voucher or other document you receive for an advance ("the Advance"). The security interest you give includes all 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 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 household goods as defined by the Federal Trade Commission Credit Practices Rule, the property will secure only the Advance and not other amounts you owe. OWNERSHIP OF THE PROPERTY - You promise that you own all property you give as security or if the Advance is to buy the property, you promise you will use the Advance for that purpose. You promise that no one else has any interest in or claim against the property that you have not already told us about. You promise not to sell or lease the property or to use it as security for a loan with another creditor until the Advance is repaid. You promise you will allow no other security interest or lien to attach to the property either by your actions or by operation of law. PROPERTY INSURANCE, TAXES AND FEES - You must maintain property insurance on all property that you give as security under the Plan. You may purchase the property Insurance from anyone you choose who is acceptable to ft Credit acceptable to Union. The amount and coverage insureance?thrrough aapo?licymust you already al have, or us. You may provide the property through a policy you get and pay for. You promise to make the insurance policy payable to us and to deliver the policy or proof of coverage to us it asked to do so. If you cancel your insurance and get a refund, we he" a right to the refund. lt the property is lost or damaged, we can use the insurance settlement to repair the property or apply it towards what you owe. You authorize us to endorse any draft or check which may be payable to you in order for us to collect any refund or benefits due under your Insurance poky. You also promise to pay all taxes and fees (like registration fees) due on the property. If you do riot pay the taxes or fees 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 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 determining whether you and oti>at borrowers have complied with the Insurance requirements of our bars agreements or may engage others to do so.The insurance charge added to an advance may include (1) the insurance company's payments to us and (2) the cost of determining compliance with the Insurance requirements. 11 we add amounts for taxes, fees or insurance to the unpaid balance of an advance. we may increase your payments to pay the amount added within the tens of the insurance or approximate term of the advance. INSURANCE NOTICE - If you do not purchase the required property insurance, the insurance we may purchase and charge you for will cover only our interest in the property. The premium for this insurance may be higher because the insurance company may have given us the right to purchase insurance after uninsured collateral is lost or damaged. The insurance will not be liability Insurance and will not satisfy any state financial responsibility or no fault laws. PROTECTING THE SECURITY INTEREST - It your state issues a title for the property, you promise to have our security interest shown on the title. We may have to file what is called a financing statement to protect our security Interest from the claims of others. N 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 inicur in protecting our security interest and tights 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 if the property is damaged, stolen or abused. (6) Not use the property for any unlawful purpose. (7) Not to retitle property in another state without telling us. NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE - THE MOTOR VEHICLE IN THIS TRANSACTION MAY BE SUBJECT TO REPOSSESSION. IF IT IS REPOSSESSED AND SOLD TO SOMEONE ELSE, AND ALL AMOUNTS DUE TO THE SECURED PARTY ARE NOT RECEIVED IN THAT SALE, YOU MAY HAVE TO PAY THE DIFFERENCE. NOTICE FOR ARIZONA OWNERS OF PROPERTY - it is unlawful for you to fail to return a motor vehicle that is subject to a security interest, within thirty days after you have received notice of 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 and'or a fine of 5150,000. This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. You are advised to read your monthly staeemert 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 information, describe the item you are not sure about If you have authorized us to pay a credit card account automatically from your share account or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment Is scheduled to occur. YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE - We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the statement was correct In this Agreement, the words you and your means each and all of those who apply for the card or who signs this Agreement Card means the Visa Credit Card and arty duplicates and renewals we issue. Account means your Visa Credit Card Una of Credit account with us. We, us, and ours means this Credit Union. 1. RESPONSIBILITY -If we issue you a card, you agree to repay all debts and the Finance Charge arising from the use of the card and the card account For example, you are responsible for charges made by yourself, your spouse and minor children. You are also. responsible for charges made by anyone else to whom you give the card, and this responsiti ty continues until the card is recovered. You cannot disclaim responsibUdy by notdyfng us, but we will close the account for new transactions if you so request and return all cam Your obligation to pay the account balance continues even though an agreement, divorce decree or other court judgment to which we are riot a party may direct you or one of the other persons responsible to pay the account. 2. LOST CARD NOTIFICATION - If you believe the card has been last or stolen, you will immediately call the Credit Union at (717) 234-8484 or (800) 237-7328. After hours call (800) 556-5878. 3. LIABILITY FOR UNAUTHORIZED USE - You agree to notify us immediately, orally or In writing of the loss, theft or unauthorized use of your Credit Card. You may be liable for the unauthorized use of your Credit Card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use. You wig have no liability for unauthorized purchases made with your Credit Card, unless you are grossly negligent In the handling of your Card. In any case, your liability will not exceed $50. 4. CREDIT LINE - If we approve your application, we will establish a self- replenishing Une of Credit for you and notify you of its amount when we issue the card. You agree riot to let the account balance exceed this approved Credh Une. Each payment you make on the account wm restore your Credit Line by the amount of the payment which is applied to the principal. You may request an increase in your Credit Una only by written application to us, which must be approved by our credit committee or loan officer. By giving you written notice we may reduce your Credit Una from time to time, or with good cause, revoke your card and terminate this Agreement Good cause includes your fagure to comply with this Agreement or any other agreement with us, or our adverse reevaluation of your creditworthiness. You may also terminate this Agreement at any time, but termination by either of us does not affect your obligation to pay the account balance. The earls remain our property and you must recover and surrender to us all cards upon our request and upon termination of this Agreement 5. CREDIT INFORMATION - You authorize us to investigate your credit standing when opening, renewing or reviewing your account, and you authorize us to disclose information regarding your account to credit bureaus and other creditors who inquire of us about your credit standing. 6. MONTHLY PAYMENT - We will mail you a statement every month showing your Previous Balances of purchases and cash advances, the current transactions on your account, the remaining credit available under your Credit Une, the New Balances of purchases and cash advances, the Total New Balance, the Finance Charge due to date, and any other billed fees, and the Minimum Payment required. Every month you must pay at least the Minimum Payment within 25 days of your statement dosing date. By separate agreement you may authorize us to charge the minimum payment automatically to your share or checking account with us. You may, of course, pay more frequently, pay more than the Minimum Payment or pay the Total New Balance in full, and you will reduce the finance charge by doing sa if your monthly payment exceeds the total credit line balance owed, we will automatically pest the credit to your Si shares. The minimum payment will be (a) 2% of your Total New Balance, rounded up to the next even dollar, or (b) 320.00, 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. If we find that we made a mistake on your statement, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, If our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your statement. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when tt finally is. If we don't follow these rules, we can't collect the first 550 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, it 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 servlces. demand. We wig apply payments in the following manner, first to prevbus late fees, then to previous cash advances finance charges, them to previous purchase finance changes, then to current late fees, then to previous cash advance balances, 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 full amount of the New Balance of Purchases each month within 25 days of your statement closing date. Otherwise, the New Balance of Purchases, and the subsequent purchases from the date they are posted to your account, will be subject to Finance Charge. Cash advances are always subject to Finance Charge from the date they are posted to your account. Purchases: We calculate your finance charge by multiplying the average adjusted daily balance (see explanation below), including new purchases, for the billing cycle by the monthly periodic purchase rate and corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum. Cash Advances: We calculate your finance charge on cash advances by multiplying the average adjusted daily balance (see explanation below) for cash advances during the billing cycle by the monthly periodic advance rate and corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum. Balance Computation Method Average Daily Balance for Purchases - The Average Dally Balance for Purchase Transactions is calculated by adding the Daily Balances (Purchase Transaction) for each day in the billing cycle, and then dividing by the number of days in the billing cycle. To calculate the Daily Balance for purchases each day, we take the following steps: We take the outstanding balance (all amounts you owe) at the start of the day. Then, in the sequence in which amounts are posted to your account, we add the amounts of all debits and subtract the amounts of all credits or payments which post to your account that day. After applying payments and credits, we subtract the amount of any unpaid Finance Charges or Late Charges. Then we also subtract the amount of arty Cash Advance transactions that posted to your account on that day or in any previous day in the billing cycle. This gives us the Daily Balance for purchases. Average Daily Balance for Cash Advances - Cash Advance Transactions which are posted to you account are not included In the Average Dally Balance calculation for purchases, and are therefore rot subject to the monthly periodic rate for purchases. The Average Daily Balance is calculated separately for Cash Advances and is subject to. the Cash Advance Monthly Periodic Rate.The Average Daily Balance for Cash Transactions is calculated by adding the Daily Balances (Cash Transaction) for each day in the balling cycle, acid then dividing by the number of days in the billing cycle. To calculate the Daily Balance for cash each day, we take the following steps: We take the outstanding balance (all amounts you owe) at the start of the day. Then, in the sequence in which amounts are posted to your account, we add the amounts of all debits and subtract the amounts of all credits or payments which post to your account that day. After applying payments and credits, we subtract the amount of any unpaid Finance Charges or Late Charges. Then we also subtract the amount of any Purchase Transactions that posted to your account on that day or in any previous day in the billing cycle. This gives us the Daily Balance for Cash Advance Transactions. Note: Cash Advances are always subject to finance charges and from the day they are posted to your account Payments are applied in the following manner: first to previous late fees, then to previous cash advances finance charges, then to previous purchase finance charges, then to current late fees, then to previous cash advance balances, then to previous purchase balances in the order that they were posted to your account, then to current cash advance balances, and then to current purchase balances- Credits are applied first to the particular type of debt which is being credited, if any, ana then to the balance of your account. Visa' Credit Card Aareement 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 statements equal to or exceeds the New Balance shown on that statement, we wail not apply p-P Monthly Periodic Rate to your Account on your next statement. 8. DEFAULT - You will be in default if you fail to make any Minimum Payment within 25 days after your monthly statement closing date. You authorize us to transfer funds sufficient to make the minimum payment due if 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 it your ability to repay us is materially reduced by a change in your employment; an increase in your obligations, bankruptcy or insolvency proceedings involving you, your death or your failure to abide by this Agreement, or if the value of our security interest materially declines. We have the right to demand immediate payment of your full account balance it you default, subject to our giving you any notice required by law. To the extent permitted by law, you will also be required to pay our collection expenses, including court costs and reasonable attorney fees. 9. USING THE CARD - To snake a purchase or cash advance, there are two alternative procedures to be followed. One is for you to present the card to a participating Visa plan merchant, or another financial institution, and sign the sales or cash advance draft which will be imprinted with your card. The other is to complete the transaction by using your Personal Identification Number (PIN) in conjunction with the card in an Automated Teller Machine or other type of electronic terminal that provides access to the Visa system. You agree that you will not use your card for any transaction that is Illegal under applicable federal, state, or local law. The monthly statement will identity the merchant, electronic terminal or financial institution at which transactions were made, but sale, cash advance, credit or other slips cannot W returned with the statement. You will retain a copy of such slips furnished at the time of the transaction in order to verify the monthly statement. The Credit Union may matte a reasonable charge for photocopies of slips you may request. 10. OVERDRAFT OPTION - If you elect to overdraft to your PSECU Visa Credit Cab, that election is subject to the existing credit fimft 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 cash advances will apply. 11. RETURNS AND ADJUSTMENTS - Merchants and others who horror the card may give credit for returns and adjustments, and they will do so by sending us a credit slip which we will post to your Visa fine of credit. N your credit and payments exceed what you owe us, we win automatically post the excess credit balance to your S1 Shares within 75 days. If the balance is one dollar or more, upon your written request, we will refund the credit balance to you. 12. FOREIGN TRANSACTIONS - The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or a government-mandated rate In effect for the applicable central processing data In each Instance, an adjustment may be assessed based on the ISA fee imposed by Visa This fee, which totals 11% of the transaction amount, win be assessed on an transactions where the merchant country dlfters from the country of the card issuer. 13. DISPUTED TRANSACTIONS - 0 you disagree or find an error with a visa ATM CARD CARDHOLDER AGREEMENT - The Undersigned (you or your), in consideration of THE PENNSYLVANIA STATE EMPLOYEES CREDIT UNION (we, out and us) issuing to you an ATM CARD, hereby agree to be legally bound by the following terms and conditions. You agree that the use of your ATM card(s) constitutes acceptance of the terms and conditions of this Agreement. You understand that ATM is a credii-related service and you authorize PSECU to obtain a credit report on any users of this account. 1. ACCOUNTS AND USES OF ATM CARD - You have the account(s) (including Checking and Regular Shares), which we set forth on your application form with this Agreement. You hereby request that we issue to you one or more ATM CARD(s) to be used in connection with such accounts as described in this Agreement. You understand you may use the ATM CARD at a STAR SYSTEMS3 ATM to (1) withdraw cash from, (2) make or arrange for deposits in, (3) effect transfers to or from your account, (4) receive information regarding the balance in your account(s) or (5) make cash advances from your credit account(s) in the amounts you request. You may also use automated teller machines throughout the United States and in certain foreign countries which bear the PLUS SYSTEM® name and logo (1) to make withdrawals from, (2) effect transfers to or from, (3) receive information regarding the balances in your Checking or Regular shares. If you have a Personal Service Loan approved and in place, you may also make a cash advance from your PSL 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 snail 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 available and which we advise you are offered in connection with your account(s) set forth on your application form. You also understand trial 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 trial the uses of the ATM CARD described transaction, and have tried in good faith tc correct -e problem with the merchant or the charges are the result of unauthorizee or traudulent use, or your purchase cost more than S50 and was made from a play merchart in your slate within 100 miles of your home, contact PSECU. You are required to notify PSECU in writing witnin 50 days following the date on wnich 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 suppert your dispute claims. In addition, you may be required to complete a standard dispute form outlining the details of your dispute. In cases of fraudulent card use, PSECU will also require a notarized affidavit. In some cases we may ask you to notify the local authorities. If we do not receive the proper requested documentation in the time specified you may be held responsible for the transaction(s) in question. PSECU must adhere to strict dispute timeframes set forth by Visa. 14. SECURITY INTEREST -To secure your account, you grant us a purchase money security interest under the Uniform Commercial Code in any goods you purchaso 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 4 you are in default to prevent withdrawal of your unpledged credit union shares (Deposits) below to unpaid balance of your account However, if you give or have given us a specific pledge of your cracks union shares (Deposits) by signing the Pledge of Shares or otherwise, or any other security interests for an your debts, your account will be secured by your pledged shares (Deposits) and by the property described in those other security agreements, except for your home. 15. EFFECT OF AGREEMENT-This Agreement is the contract which applies to all transactions on your account even though the sales, cash advance, credit or other slips you sign or receive may contain different terms. We may amend the Agreement from time to time by sending you the advance written notice required by law. Your use of the card thereafter will indicate your agreement to the amendments. To the extent the law permits, and we indicate in our notice, amendments will apply to your existing account balance as watt as to future transactions. 16. LATE PAYMENT CHARGE - If your Minimum Payment Is not received by the first day of the month following your due date, you will be subject to a S20 charge. 17. RUSH FEES -You may Incur additional charges for rush processing and rush delivery of cards andlor PIN mailer. 18, OVER LIMIT FEE- A $20 fee will be applied for each monthly statement dosing date on which the outsiarxlktg balance exceeds the assigned credit limn by more than 5100. 19, DRAFT COPIES - You may incur an additional charge for transaction summary/sale draft documentation. 20. COPY RECEIVED-You acknowledge receipt of a copy of this Agreement. 21. ILLEGAL TRANSACTIONS PROHIBITED - You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. 22. NO USE - Inactive Visa accounts that have no purchase or cash activity may be dosed without notice to you after 18 months of no activity. 23. NEURAL NETWORK - PSECU uses neural network systems to predict and prevent unauthorized transactions. There may be occasions when a transaction is declined because it is indlcad a of possible fraudulent 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 Ydu 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 acknowledge that the Personal Identification Number or PIN which you use with the ATM CARD is your signature, identifies the bearer of the Card to the STAR SYSTEMS ATM, PLUS SYSTEM ATM, or other network ATM and authenticates and validates the directions given just as your actual signature and other proof identify you 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 Self-Service) which requires the use of your PIN and when your PIN is used at a Merchants terminal, it will authenticate and validate the directions given just as your actual signature will authenticate 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 it 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 CARD(s) and PIN TO SOMEONE ELSE TO USE YOU ARE AUTHORIZING THEM TO ACTON 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. (,&g1 Mfc Funds,Jtaflsle_r, AThf.Agreement and__Regulstion _'? Disc/o5tL (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 od card. destroy the o!d card by cining it in halt. It 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 (ioan 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 - You agree that when you make a deposit at a STAR SYSTEMS ATM that we have the right to verity the deposit before we make the money available to you. If you deliver cash, checks or other items to a STAR SYSTEMS ATM, you understated 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 ATMS may limit the amount of funds which may be deposited and that we may not control these limits. 6. LIABILITY - If the ATM CARD is issued for a joint account, you agree to be jointly and severally liable under the terms of this Agreement and the agreement for such account. You agree that If you make deposits or payments to your account(s) with items other than cash (checks, drafts or other hems) and we make funds available to you from such deposits prior to their collection, you agree that we may deduct the amounts of such funds from your account(s) which are not collected or, if the funds in your account(s) are insufficient at such time, you will promptly pay to us any amount of such funds which are not collected. 7. AMENDMENT OF THIS AGREEMENT-You agree that from time to nme 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. 8. OWNERSHIP - You agree that the ATM CARD Is our property and you will ! surrender It to us upon our request. You agree that the ATM CARD is non- transferable. 9. DISCLOSURES -You hereby acknowledge receipt of the disclosure statement ' informing you of your rights under the Electronic Funds Transfer Act and a copy of this Agreement. REGULATION "E" DISCLOSURE i. ELECTRONIC CHECK CONVERSION/ELECTRONIC RETURNED CHECK FEES - if you pay for something with a check or share draft, you may authorize 9 to be converted to an electronic fund transfer. You may also authorize merchants to electronicalty debit your account for returned check fees. You are considered to have authorized these electronic funds transfers 9 you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or If you sign a written authorization. 2. SUMMARY OF CONSUMER LIABILITY - i • 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 loam of the loss 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 stopped someone from using your card without your permission if you had told us, you could We as much as $500. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason such as a long trip or a hospital stay kept you from telling us, we will extend the time periods. 3. TELEPHONE NUMBER AND ADDRESS TO NOTIFY OF UNAUTHORIZED TRANSFERS - ATM - Contact PSECU at (800) 237-7328 EXT 3808 (nationwide) or (717) 234-8484 (in Harrisburg). After hours, follow the menu options on PSECU's voice mail system to report a lost or stolen card. For Wisa Credit or Debit ' Cards, follow the directions for Lest Card 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) 234-8=84 (.n 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 checking/savings; purchase goods and services at any accepting retail establishment. • ACH - Preauthorized debits and credits to checking and savings. • SST - Balance inquiries and transaction histories on all share, certificate and loan accounts: transfers from any share to another share or loan account from your PSL to any share or loan account; withdrawals from any share except IRA shares or certificates. 6. ANY CHARGES FOR ELECTRONIC FUNDS TRANSFERS OR FOR THE RIGHT TO MAKE TRANSFERS - • ATM - Fifty cents for each disbursement (cash advance or withdrawal) less than $20; fifty cents for each transaction over 15 per month; 25 cent for each balance inquiry; and there may be an additional charge for any adjustment that needs to be made to the account of any member who makes an error 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 primed receipt at the time of each transaction. You will receive a monthly statement showing the status of your account, any transactions made during the month, and any penalties or charges PSECU may impose during the month. • ACH and SST - You will receive a monthly statement showing the status of your account, any transactions made during the month, and any penalties of changes PSECU may impose during the month. • If you have arranged to have a direct deposit made to your account at bast once every 60 days from the same person or company, you can call us at (800) 237.7326 to find out whether or not the deposit has been made. 8. STOP PAYMENT RIGHTS - PRE-AUTHORIZED TRANSFERS - • ATM and SST - Not applicable. • ACM - Right to Stop Payment and Procedures for doing so. It you have told us in advance to make regular payments out of your account. you can stop any of these payments. Here's how: Call us at (800) 237-7326 (Nationwide) or (717) 234-8484 (Harrisburg) or write us at: Pennsylvania State Employees Credit Union, P.O. Box 67013, Harrisburg, PA 17106-7013, in time for us to receive your request three business days or more before the payment Is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. • Nodes of Vw ying Amounts. If noose regular payments may vary in amount, the person you are going to pay will fell you, 10 days before each payment, when It will be made and how much It will be. You may choose instead to get this nonce only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fail outside certain limfts that you set. • UlaNifty for Failure to Stop Payment of Preauthorlsed T)ansfere, 0 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 Gable for your kisses 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 tail to give us proper instructions that would enable us to place the stop on the transfer, 9. SUMMARY OF THE FINANCIAL INSTITUTION'S FAILURE TO MAKE OR STOP CERTAIN TRANSFERS - • ATM - If PSECU fails to complete a transaction on time or in the correct amount. when property instructed by you, PSECU will be liable for damages caused by our failure unless; (1) there are insufficient funds in your account to complete the transfer; (2) the funds in your account are uncollected; (3) the funds are subject to legal process; (4) the transaction you request would exceed the funds in your account plus any available overdraft protection; (5) the STAR Systems, PLUS system has insufficient cash to complete the transaction; (6) your card has been reported lost or stolen and you are using the reported card; (7) PSECU has reason to believe that the transaction requested is unauthorized; (8) the failure 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 FigpJronic Fu_slydnsfegT AgreeLn@nt r?nrL F.e9u/atiQr?_ '"_Dsclq?urg (continued) i permissible transaction listed above: or, (11) the transaction would exceed the security limitations on the use of your ATH CARD. • ACH and SST - if PSECU fails to complete a transaction on time or in the correct amount, when properly instructed by you, PSECU will be liable for damages caused by our failure unless: (1) there are insufficient funds In your account to complete tie transfer; (2) the funds in your account are uricollected; (3) the funds are subject to legal process; (4) the transaction you rouest would exceed the funds in your account plus any available overdraft credit; (5) PSECU has reason to believe that the transaction requested is unauthorized; (6) the failure was caused by an act of God, fire, or other catastrophe, or by another cause beyond control. In any case, PSECU shall '. be liable only for actual proven and not consequential damages ii 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 l the existence and standing of your account with PSECU upon request of third party, such as a credit bureau; (3) to comply with government agency or court orders; (4) in accordance with your written permission; (5) to comply with government or administrative agency summonses, subpoenas, or court orders; (6) on receipt of certification from a Federal Agency or department that a request for information is in compliance with the Right to Financial Privacy Act of 1978; Regulation P, Privacy of Consumer Financial Information: and M when It Is necessary to take legal action to recover shares. 11. STAR SYSTEMS SERVICES - • ATM Only -You may use your ATM CARD with your Personal Identification Number (PIN) at STAR SYSTEMS located in Delaware, Maryland, New Jersey and Pennsytvania to conduct any of the following transactions for the accounts accessed by your ATM CARD. a) Determine the account balance(s) of your Checking your Regular Shares, and your Personal Service Loan (PSL). b) Withdraw cash from your Checking and your Regular Shares. c) Make a cash advance from your Personal Service Loan (PSL). d) Deposit currency, checks, or drafts (coins are not acceptable) for transmission to PSECU for deposit in your Checking and your Regular Shares. NOTE: There are limited locations in Maryland where deposits may be made. We wish to inform you that some ATMs located in these areas may only provide access to your Checking, your Regular Shares, and your Personal Service Loan. Not all ATMs may accept deposits. There may also be limits on the amount of funds which you may deposit in certain ATMs. 12. PLUS SYSTEM' SERVICES - • ATM Only -You may use your ATM CARD with your Personal Identification Number (PIN) at any PLUS SYSTEM automated teller machine (PLUS SYSTEM ATM) located throughout the United States, Puerto Rico, Canada, Great Britain and Japan to conduct any of the following transactions on the accounts accessed by your ATM CARD. a) Determine the account balance(s) of your Checking, your Regular Shares, and your Personal Service Loan (PSL). b) Withdraw cash from your Checking and your Regular Shares. c) Make a cash advance from your Personal Service Loan (PSL). NOTE: Deposits are not available through PLUS SYSTEM ATMs. These are the STAR SYSTEMS services currently available through the PLUS SYSTEM network. Other services may be offered in the future. 13. OTHER ATM NETWORK ACCESS - • ATM Only - From time to time, PSECU may make arrangements with other ATM networks to grant access to ATM CARDs. PSECU shall inform you when such arrangements are made and describe the services that are available to i you. Any charges wdl also be described. 14. PURCHASE TRANSACTIONS - • ATM Only - You may use the ATM CARD to purchase goods and services ('Purchase') at any retail establishment ('Merchant") where ATM CARDS are accepted by such Merchant. The amount of all such Purchases will be { deducted from your Checking. When you make a Purchase using the ATM CARD, you will be requesting PSECU to withdraw funds from your Checking in the amount of the Purchase and directing PSECU to Pay these funds to such Merchant. 15. LIMITATIONS ON THE USE OFYOUR 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 right :o 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 revealed for security reasons. The Pennsylvania State Employees Credit Union is not obliged to maintain such limitations. You will be denied use of your ATM CARD if you exceed the daily withdrawal/purchase limit, if you do not have adequate funds available in your account, do not enter the correct Personal Identification Number (PIN), or exceed the frequency of usage limitation. The receipt provided by the STAR SYSTEMS or PLUS SYSTEM ATM or Merchant terminal will notify you of the denial. There is a limit on the number of such denials permitted. Attempts to exceed the limit will result in machine retention of our ATM CARD. The number of attempts that result in machine retention is not revealed for security purposes. 16. ERROR RESOLUTION PROCEDURES - • ATM, ACH and SST - In case of errors or questions about your transactions: Direct inquiries to PSECU at (800) 237.7328 Nationwide, TOO (800) 472- 1967 Nationwide, (717) 777-2100 in Harrisburg, or write PSECU at: Pennsylvania State Employees Credit Union, P.O. Box 67013, Harrisburg, PA 17106.7013, as soon as you can if you think your statement or receipt is wrong, or it you need more information about a transaction fisted on the statement or receipt. PSECU must hear from you no later than 60 days after it sent you the first statement on which the problem or error appeared. You must provide the following information: (a) Your name, account number, and ATM CARD number (if a ATM transaction), or reference number (if Self- Service Telephone Transaction); (b) Describe the error or the transaction I an are unsure about, and explain as clearly as you can why you believe n 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. if we need more time, however, we may take up to 45 days for STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE TELEPHONE, or DIRECT DEBITICREDIT TRANSACTIONS or 90 days for STAR SYSTEMS purchase transactions. If PSECU decides to do this, It will recradit your account within 10 business days for the amount you think Is In error if it Is a STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE TELEPHONE, or DIRECT DEBIT/CREDIT transaction, or 20 business days if it Is a STAR SYSTEMS purchase transaction. You will have the use of the money during the time it takes to complete the Investigation. if PSECU does not receive your complaint or question in writing within 10 business days, PSECU may not recrecit your account. If PSECU decides there Is no error, you will be advised within three business days after the investigation is completed. You may ask for copies of the documents PSECU used in the investigation. If PSECU credits your account while Investigating, you must repay those funds If PSECU concludes no error has occurred. 17. ATM SURCHARGE - If you use an ATM that is not operated by us, you may be charged a fee by the ATM operator and by any national, regional or local network used in processing the transaction (and you may be charged a fee for a balance inquiry even it you do not complete a kind transfer). The ATM surcharge will be debited from your account d you elect to complete the transaction. Notice To Consumers Using ATM's • Be alert to your surroundings. If you doubt the safety of a particular location, choose another ATM. • If the ATM has an entry door, close the door prior to Initiating your transaction. • Put your cash away immediately. • Direct complaints concerning ATM security to an appropriate department of the owner of the ATM. New Jersey residents: you may call the New Jersey Department of Banking at (609) 292-7272. For those members who purchase a vehicle under the DRIV Program, please review the following FTC Notice: NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINSTTHE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 2° C $ n a? 8a? y7 O 9 a Fri MM ?• p, b ° i •? N? aasasssaast? ?I • ? ?yy,liuavo•o? • 888888 888 8 ° c N T • QA Oa'?'S!$i??$?Hr{ m A °a ?.8.}N? W8Q8Q{5A? ?SQv7ba?8dy? '!O a$?jt{3Si525??2S?i cccooccogQ.? $sssassaas?; 8888`x$888 v oaSo3t3S$8??? S 2 3 oo?ovi?oc°°$ 4 ? 1 7 S 9 ? a$ i 7 a as ? ? $ 3 3" ? zr O _ s 3 d s ° 3 S ? o ? ? A rl y _ ° T 3 ??ea .3r _ aa?'?? 33 w- A a g r 5 A ° M r'l Q a° 2Jr m S ° x3333 °'• hY m;°=n=O C ° rig, 's N ? _ ?a8. a Q ? Aysg gad o ? g g jrL1 ?a ?' p 9gA Q p % a T p 2A i 0 arc pp •?gi ?i p? CEO i? yQ v3° c 033°_a 'r ";t r 3 L4 QCg2O D O C 3° I'm n? r (1 aye F B. J O n n 9. 3 .y w„ ¢ S, . C ?• Q f a? a 3 ? pc n n ?-??' } A ? ° a O Sun ?1 DS ?. le ; ° ,T? n ? 2:- "??•?T ., tc? 'i?a d ?' r? S p ? c J J 1 i T I i 8 a d O s ' Z r m a CL !D CL a a y it WNNNNN NNNNN- ------ --- OdWVPU AWN-Od OoVPUAW N-•OdRIV 000000 000000 000000 000pp0 NNNNNN NWiJWWW CJGJWtJ Wa AAA>(rN V-U?OOD U?OODV dA AAAOVDNP N0W0NN A OW•ON" OWW-NP WWWAA.d AVVAON OIOWVaN dWNNOd 0140,0&W N-0,0WN 000000 000000 000000 000000 --N NNNNNN NNNNNN Oa°opoOD OD Oi ddddd0 0000-- NNNWW ?ODVOD OOd OA VPUN p]PAdUN OWAOON ?O WOO MW WWWWOON VVVV VV VVVPPP OdWVOIL" AWN-Od WVPNAW N-0d014 000000 000000 000000 000000 :;:Z_8UUU (-AL-n UPPPPP PPPPVV_ pP WOdDVANO WOUPOWW f-O _ .?" & WLn ON-(A 0o00000 00 V OdODVPU AWNyO`C ODVPNAW N-SdOO Qo00op 000000 op0ooo Poopoo LWWWWW WWWWWW WWWWWA AA_AAAA NN WA AUNPPV VVODddO NWA PON 01" 14"0"00 01ON-PU yp Coco" t. PNAWN- ? '? 7 0'0000 0 irUi1000 2 VPWo 00 O ONd000 PvUN000 O 3 70 O-L. W IIISSS O' 000000?pm NNNNNN ID (•? WAAAUU IFnl POA V-O VODWdd- v O P°•P°•PP •Z PUAWN- ? 0 000000 ?1 NNNNNN WAUPODd ONWPW- 0 d?Od•Odd PUAWN- 0 O 0. 000000 n AAAAAA 10 AL pOm oa OCOOU t° S ;f3 T3 ii m w n T O 0?3C3ng? C c N = i 3 3 n c S 3 F?OgO$ C'S n 3? E 9'3 ^C.c NI S< 0o N? g °0_ g Owyno_$ b.33 n c ? 8?°~O6 aT?„o 3ooc c p 3 NAg-f O p n 0 a, W ° n n n o S ? o33D i A c < ° 03gg ? 5,20 TM p 09-9aa..3g nn a ?<C Y 39 TT y- aIH a3 w-18 , ar 60" 3 3 ?g S•? ag` X88 8 5 O Q.nB? Y,! : z a ,i s-= Q-3 V ??0 0 ?`-C'va340 33 n •an N? a n' O P n?N ?« n ?yA 3 0^ SMg :. '< p M N ?. 3 tig ?iN 0ga3'0$ : c _gggn° C SQ HA 0° v$LQA O OpC 0_8 'Sf ? c n Q ° e N? ?aM ?oTwznn No 3 3 T 3935'33 a 30 01 A pQ O -A 9"3p? o? f°S $° V9 3 3 -- A IL gal con tic ? j A • . n 9- 4i c a '0pi Y • ?neN Q 4 N N V Y G -0 cL ` P3 o m m s m Q c oGo44 0 Tn A Q w ° 3C gis-oo c ? ?92 3 (lo S p m p a o `$ = o m N c ^' .cw• ? '? A o Q 5 ? ' Tg3'3 °- Orm ^ m n a « 3oe4 9oQ33.QQo'n?. m?maag?•$ nt°cn?•O_m B ° 3 3.00 30 -o o ?+ o T? ^ ° a2^+ .O 3 c on o m3 08goQ°o0ac C a mo p3 ° °03Q CON= o c o}Nm?n _.%aftj00°'•'?$"-?O` Mi 0 0 g m x f a 3'n' 3 o Co ?•=a ° ; j y g ?T A? 3^ a g Q y A- ?? c rS L' Go in? g '-co ? g`c 3 a m a 0 N jn 9 O n A s --CF. Q- o n 3 0 0 ° aaD? 3°. H ?m g 3: i 0,' .0 o S M^ S^c 3.2 m Sao o 3 ?c m ° ?°'? _gj..0 2 SN p, c X:6 3 (Opn< e3.3 H ?m3c -0 g?30-0 3 Is n 2-6 1 1 4 "N ,0' 4. 3 ?m2g aqn m 0030 0 < ?- xp 0 C coq o? ° T p?? 0 0 ?? 0 3 •4 3 a °_T0 o. 1. o to n n ?o fl? pm A° o° W "- a m ^ '" 8P ° Q n° `n N M c Q c O 40 n T A 2 s p£ a m j on a S: X' n F A m' 2-D?m?g=?-ggnQWAQ°? -3?3n`op3ga°°v? rn N T o m Cng3 -• f m n m o rPr o.3 0 c (10 T< O ?.n'r? o o'o g 3 g 07, 3gE?_o 3f3, g=m Cm^°-0 3gke.n?`eoo 30 ry1 n c a ?° ? 3 o n ?, m o- O A m s 7C A O c n m 'r 3 $m?a?mmZ.' ?° 3 co L0'0- SO 3•°c 3 0, m0^o°-0.0 nH=?? ^<T °3 ogo me'as0o a Co°me mm 0 orn go Qm ??° n`? < O p < m x N m A U3•S N < °-CL o a? *, c o ' ° o» a 3 i* 3 f1n c gm n 3 a e mo o' 03^ 03= 2-- c m c o 3 mo?S: 3i+3 !1 mooS'm< n 3}n°oa a oo a 023om2.,gn0' o nm'w0' gC'n' ^ 03- 3 a ?' 7 7 m p A T O n ?< 0£ j 0 mi, 2. A a' o- m N m^ p d. O< 0 t m. R. e 3? F ° > >n0 to •o ° io o'2 ?n?cN 33- ? c F 0 0 0 = A o rn A G a m c 0 c 3. A 'n » 9 O Z 3 p 3 m O n ^ (1 0 0 a. 0 n T 3 0- m n o c 0 71 m a0 m o m m ?? Q o 9- e c - o ig I 08-3618 20t4 h4 -3 Phi 3: 44 BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. for Plaintiff znia State Employees Credit Union ATE COURT OF COMMON PLEAS OF [BERLAND COUNTY, PENNSYLVANIA L ACTION - LAW 3618 CAMILLAH A. JOHNSON-HICKLEN, Defendant Kindly withdraw the appearance of Melissa L. lVan Eck, Esquire as counsel for Pennsylvania State Employees Credit Union and Esquire as counsel for Pennsylvania State Employees appearance of Shawn M. Long, t Union, regarding the above- captioned matter. Papers may be served at the address set forth BARLEY SNYDER LLC By: Sh n MM Long, Esquire Court I.D. 83774 126 East King Street Lancaster, PA 17602-2893 717.299.5201 Date: 513 t //P V N ECK & VAN ECK, P.C. tC4By r Meliss L. Van Eck, Esquire Court I.D. 85869 7810 Allentown Blvd., Suite B P.O. Box 6662 Harrisburg, PA 17112 717.540.5406 Dat ?-/ - (6 2862166-1 ~~ ~ 1, 08-3618 }~ ~n , 20f0 Ji.l~ -- ~ ~'~ ~~ 45 r 'ti:r,,i,':~~'i ~r~~~sr~.~.~: ~,~, ~l~d~ BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff v. CAMILLAH A. JOHNSON-HICKLEN, Defendant 1N THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW No. 08-3618 PRAECIPE TO REINSTATE COMPLAINT TO THE PROTHONOTARY: Please reinstate the Complaint in the above-captioned action. BARLEY SNYDER LLC ~~'- ~lG- OU ~~ ~~ G/~~~ ~f1r~2949054~~ ~~ ~~r~y Shawn lyYLong, lssquire `-'' Atto eys for Plaintiff Pennsylvania State Employees Court I.D. No. 83774 126 E. King Street Lancaster, PA 17602 717.299.5201 Union . ~ +, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES NO. 48 -3(0(8 Civi t (erM CREDIT UNION, Plaintiff . p . .,,r ,.:,: ~ `p7 CAMILLAH A. JOHNSON-HICKLEN r'` ~-- ~; ~::-~ Defendant CIVIL ACTION -LAW ~, , '.., '~' / tiJ _y (~' NOTICE TO DEFEND _ ~~ Pursuant to PA RCP No. 1018.1 ~ ' 'I ' _ --,._ ,~ r.,.~ You have been sued in court. If you wish to defend against the claims set forfh~ in f~'e 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 aze warned that if you fail to do so the case may proceed without you and a judgment may be entered against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other relief requested by the Plaintiff: You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CAN NOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Assoication 32 S. Bedford Street Cazlisle, PA 17013 (717)249-3168 1-800-990-9108 Document #: 180057.1 • EN LA CORTE DE ALEGATOS COM UN DEL CONDADO DE CUMBERLAND, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES NO. CREDIT UNION, . Plaintiff vs. CAMILLAH A. JOHNSON-HICKLEN Defendant CIVIL ACTION -LAW AV I S O PARR DEFENDER Conforme a PA Num. 1018.1 USTED HA SIDO DEMANDO/A EN LA CORTE. Si usted desea defender conta la demands puestas en las siguientes paginas, usted tienen que tomar accion dentro veinte (20) dias despues que esta Demands y Aviso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando por escrito con la Corte sus defenses o objeciones a las demandas puestas en contra usted. Usted es advertido que si falls de hacerlo el caso puede proceder sin usted y un jazgamiento puede ser entrado contra usted por la Corte sin mss aviso por cualquier dinero reclamado en la Demands o por cualquier otro reclamo o alivio solicitado por Demandante. Ustedpuede perder dinero o propiedad o otros derechos importante pars 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 1NFORMACION 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 Assoication 32 S. Bedford Street Carlisle, PA 17013 (717)249-3168 1-800-990-9108 Document #: 180057.1 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff vs. CAMILLAH A. JOHNSON-HICKLEN Defendant NO. CIVIL ACTION -LAW COMPLAINT AND NOW, comes Plaintiff, Pennsylvania State Employees Credit Union, by and through its attorneys, Van Eck & Van Eck, P.C. and states the following cause of action and in support thereof, avers as follows: 1. Plaintiff, Pennsylvania State Employees Credit Union, is a financial institution qualified to conduct business in the Commonwealth of Pennsylvania with offices and/or a place of business situate at 1 Credit Union Place, Harrisburg, Dauphin County, Pennsylvania. 2. Defendant, Camillah A. Johnson-Hicklen, is an adult individual with a last known address of 7 Pine Road, Apt. 607, Mt. Holly Springs, PA 17065-1936. 3. Defendant is, and at all relevant times material hereto has been, the primary loan applicant. 4. Defendant applied to Plaintiff for a loan for the purpose of purchasing a motor vehicle. 5. The loan application submitted by Defendant was approved by Plaintiff and Defendant signed a Loanliner Advance Proceeds Check for the purchase of the vehicle. A true and correct copy of said Loanliner Advance Proceeds Check is attached hereto, incorporated herein and marked as Exhibit "A". Document #: 180057.1 ~ ~ 6. Pursuant to the Loanliner Advance Proceeds Check marked as Exhibit "A", Defendant agreed to the terms and conditions of the extension of credit as set forth in the Loanliner Credit and Security Agreement (hereinafter referred to as "Contract"). A true and correct copy of the Loanliner Credit and Security Agreement is attached hereto, incorporated herein and marked as Exhibit "B". 7. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms and conditions of the Contract marked as Exhibit "B". 8. Various charges and payments were made by Defendant on the account. 9. Plaintiff provided a letter to Defendant stating that the vehicle purchased by Defendant was deemed repossessed. The letter further advises Defendant that unless payment in full was made on the outstanding loan balance, the said vehicle would be sold at a public sale and Defendant will be responsible for any resulting deficiency. 10. As a result of Defendant's failure to cure the default in payment, and pursuant to state law remedies, Plaintiff sold the vehicle at public sale: 11. Plaintiff provided a letter to Defendant indicating that there was a resulting deficiency after the sale of the vehicle. 12. Plaintiff has maintained a statement of account keeping an accurate and running amount of debits and credits made on Defendant's account. 13. Plaintiff has submitted to Defendant a copy of the statement of account accurately showing all debits and credits for transactions with Defendant. 14. Defendant has not objected to any of the monthly statements of account submitted by Plaintiff to Defendant. Document #: 180057.1 15. Despite Plaintiff s reasonable and repeated demands for payment, Defendant has failed, refused and continues to refuse to pay all sums due and owing on Defendant's loan account balance, all to the damage of Plaintiff: 16. As of June 13, 2008, the balance due, owing and unpaid on Defendant's loan account with Plaintiff is •the sum of Eight Thousand Four Hundred Thirty-Nine Dollars and 22/100 ($8,439.22). 17. Pursuant to the terms and conditions of the extension of credit contained in the Contract, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest charge on the principal loan balance. 18. Due to the default of the Defendant and pursuant to the terms and conditions of the Contract attached as Exhibit "B", attorney's fees in the total amount of One Thousand Seven Hundred Twelve Dollars and 84/100 ($1,712.84) have been added to the account. 19. Any and all conditions precedent to the bringing of this action has been performed by Plaintiff. 20. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. Document #: 180057.1 WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, respectfully requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant, Camillah A. Johnson-Hicklen, in the amount of Ten Thousand One Hundred Fifty-Two Dollars and 06/100 ($10,152.06), plus interest, the costs of this action, and such other relief as the Court deems just and proper. Respectfully submitted, VAN ECK & VAN ECK, P.C. By: Melissa L. Van Eck, Esquire Attorney I.D. No. 85869 P.O. Box 6662 Harrisburg, PA 17112 717.540.5406 Document #: 180057.1 VERIFICATION I, Gregory R. Diffenderfer, Manager of the Pennsylvania State Employees Credit Union verify that the statements made in the aforegoing document are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. §4904, relating to unsworn falsification to authorities. Pennsylvania State Employees Credit Union By: Title: ~ t~,. Date:_~~~ O b • g~B~ «A~~ r ~ ~. ADVANCE PROCEEDS VOUCHER AND SECURITY AGREEMENT ~V~ Pennsylvania State Employees Credit Union P. O. Box 67013 Harrisburg, PA 1710ti-7013 (717)234-8484 the tlnancial IinkTM (800) 237-7328 - ~ ~ ~.MEM9ET1:tJlViitE^ ';+^:r~~ MN,~~A... `~}: :~ti~wi•....~..~~i~ ;~~,M',~_~ UF.I~`.• UiNE ..'S•"a:~ i+..:''{'""e~,~i~rlU .1~..~yiwo'~' .,,.. CAMILLAH JOHNSON-HICKLEN 4/22/2005 8304068714 / L10 443967 126 N PITT ST ~ CARLISLE, PA 17013-2333 PuRPOS~ealer Purchase TRANSACTION 1 ^ NEW LOAN 2 ^ LOAN ADVA NCE 9 ^ , DTMESCRIn ^ NOME . . . . q t EQUITY ADVANCE YOU HAVE PREVIOUSLY ELECTED TO HAVETiil3 ADVANCE CREDIT DISABILITYr-~ INSURED wrrH TFIE FOLLOWING COVERAGE YES ^ NO [~ SINGLE CRED[r UFE YES ^ NO ^X JOM(T CREDIT UFE~y YES ^ NO CIS DAiLYPERIODIC RATE (CHANGE W TERMS ONLY) ANNUAL PER- CENTAGE RATE INTEREST RATE IS AMOUNTREQUESTED +O~IIER CHARGte3 • -AMWINTADVANCED - PREVIOUS BAIANCE NEW BALANCE . 015041 5.490 % FIXED ~ VARIABLE ~,. ^ 17, 835. ,.~- ~• •~' ~ ; K `Q 0.00 _ 17 835.00 ~ ~ , PAYMENT DUE DATE RAYMENT FREQUENCY PROJECTED LOAN TERM 291.35 5/22/2005 MONTHLY ~ , IFTHI8 ~ A HOME EQUITY ADVANCE,THE OIYLYSECUAITY FDR THIS ADVANCE IS THE REAL PROPERTY (IN MOST CASES YOUR HOMq WHICH YOU GAVE AS 9ECURRY WHEN YOUR ACCOUNT YlA9 ESTABIJSfIEQ IFTHIS 1S NOT A HOME EOURY ADVANCE, IN ADDn'ION TOTHE PLEDGE ~ SHARES 1N YOUR LOANLINER~ CREDR'AGRIS:MENf, THE FOLLOWNG PROPERTY SECUFiESTHI9 ADVANCE REM PRORET;i1C . :.:•~« ~ ;;; ~.~~± ~.. t ~ 's` rX .n....•r. i-... a:~~ ' S4':ar. ;.i~ "•'? 5~~ ~ ~. HONDA ACCORD 2002 , 1HGCG32752A02839 CPE 17,835.00 2 3. 4.OTHER YOU PLEDGE SHARES ANDIOR DEP091T8 OF ~ TN ACCOUNT NUMBER OID ACCOUNTnAAN NUMBER PAYOFF PRINC. + Mrr. OLDACCOUNT/LOAN NUMBER PAYOFF RINC. + TNT:) OLD ACCOUNTA.OAN NUMBER C) PAYOFF PRINC. + INT.) OLDACCOUNiILOANNUMSER F'AYOFF(PRINC.+INT.) OLDACCOUNTA.QANNUMBER (q PAYOFF(PR1NC..+INr. OLDACCOUNiA.OANNUMBEfi PAYOFF PRiNC.+INT.) By accepting the proceeds or by using the funds advanced end deposked Into your share/share draft account, you agree (i) that the property referenced above wlll secure the advance and any other advances you have now or recelva In the future under tha LOANLINEft' Credit and Security Agreement (the Plan) and any other amounts you owe us for any reason now or in the future in accordance with the terms of the Plan and (2~ to make payments as disclosed above in accordance with the terms of the Plan. - O CUN4 MUTUAL GROUP,19r0, 52.64, !S. ~, R1, 9f6 2000, Ot, 0~, ALL AISHTS RESERVED PENNSYLVANIA STATE EMPLOYEES CREDIT UNION FORM 113175 JVXXO700.1 037-2092-1 (U~04) ~~ "G NNER SECURITY AGREEMENT In this agreement all references to Credit Union, we, our, or us means Pennsylvania State Employees Credit Union and anyone to whom the Credft Union assigns the Credit Agreement which will be referred to as the Plan. All references to you, your, and borrower mean each person who signs this agreement. All references to the advance mean the amount in the box labeled Amount Advanced. This is a multi-state document which may be used to fend to borrowers in all states except Louisiana and Wisconsin. i. THE SECURITY FOR THE LOAN - By signing this security agreement in the signature area or under the statement referring to this agreement which is on the back of the check you receive for the advance,. you give us what is known' as a security interest in the property described in the Security Offered section on the reverse side. 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. Tha security interest also includes any replacements for the property which you buy within 10 days of the advance or any extensions, renewals or refinancings 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. 2. WHAT THE SEGURiTY INTEREST COVERS -The security Interest secures the advance and any extensions, renewals or refinancings of the advance. It also secures any other advances you Nava now or receive in the future under the Pian and any other amounts or loans, including any credit card loan, you o:ve us for any reason no~v 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. 3. OWNERSHIP OF THE PROPERTY -You promise that you own the property or if this 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 Ydu promise not to sell or lease the property or to use it as security for a loan with another creditor until the advance is repaid. You promise you will allow no other security interest or lien to attach to the property either by your actions or by operation of law. 4. PROTECTING THE SEGURITY 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 financing statement to protect our security interest from the claims of others: If asked to do so, you promise to sign a financing statement You also promise to do whatever else we think is necessary to protect our security interest in the property. You promise to pay ail 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. 5. 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 if the property is damaged, stolen or abused. (6) Not use the property for any unlawful purpose. 6. CONSUMERS' CLAIMS AND DEFENSES NOTICE -The lollawing paragraph applies only when The box on reverse side is checked. NOTICE: ANY HOLDER OF TH{S CONSUMER CREDIT CONTRACT iS SUBJECT TO ALL CLAIMS AND DEFENSES WHiGH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED I+VITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 7. PROPERTY INSURANCE, TAXES AND FEES -You must maintain property insurance on all property that you give as security under the Plan. You may purchase the property insurance from anyone you choose who is acceptable to the Credit Union. The amount and coverage of the property insurance must be acceptable to us. You may provide the property insurance through a policy you already have, or through a policy you get and pay for. You promise to make the insurance policy payable to us and to deliver the policy or proof of coverage to us if asked to do so. If you cancel•your insurance and get a refund, we have a right to the refund. If the xoperty is lost or damaged, we can use the insurance settlement to repair the property or apply it towards what you owe. You authorize us to endorse any draft or :heck which may be payable to you in order for us to collect any refund or benefits iue under your insurance policy. You also promise .to pay all taxes and fees (like l'ra~ DUFF I3GE:rT!! RCrRtzRetrtnni nsr rrrr~ n.-........r .....~ ...... _.._ __ _..__ _ 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 these obligations, but we are not required to do so. Any money we spend for taxes, fees or insurance will be added to the unpaid balance of the advance and you will pay interest on those amounts at the same rate you agreed to pay on the advance. We may receive payments in connection with the insurance from a company which provides the insurance. We may monitor our loans for the purpose of determining whether you and other borrowers have complied with the insurance requirements of our loan agreements or may engage others to do so. The insurance charge added to the advance may include (1) the insurance company's payments to us and (2) the cost of determining compiiance with the insurance requirements. If we add amounts for taxes, fees or insurance to the unpaid balance of the advance, we may increase your payments to pay the amount added within the term of the insurance or approximate term of the advance. 8. NOTIGE - 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. Tha insurance wilt not be liability insurance and will not satisfy any state financial responsibility or no iauit Paws. 9. DEFAULT - Yau will be in default if you break any promise you make under this agreement. You will also be in default if you are in default under the Plan. If you are pledging property, but have not.signed the Plan, you will be in default if anyone is in default who has signed the Pian. i0. WHAT HAPPENS IF YOU ARE IN DEFAULT -The following paragraph applies to borrowers in Colorado, Disfrfcf of Columbia, fovea, Kansas, Malne, Massachusetts, Missourf, Nebraska, South Carolina and Wesf Virginia: When you are in default and after expiration of any right you have under applicable state law to cure your default, we can require immediate payment of your outstanding balance under the Plan without giving you advance notice. The fallowing paragraph applies fa borrowers in elf ofher sfafes: When you are in default, we can require immediate payment (acceleration) of what you owe under the Plan and take possession of the property. You waive any right you have to demand for payment, notice of intent to accelerate and notice of acceleration. The fallowing paragraphs apply to all borrowers: You agree the Credit Union has the right to take possession of the property without judicial process ff this can be done without breach of the peace. ff we ask, you promise to deliver the property at a time and place we choose. 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 veil! try to return that property to you or make it available to 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 sale or the date after which a private sale will ba 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. The rest of the sale money will be applied to what you owe under the Plan. If you have agreed to pay the advance, you will also have to pay any amount that remains unpaid after the sale money has been applied to the unpaid balance of the advance and to what you owe under this agreement. You agree to pay interest on that amount at the same rate as the advance until that amount has been paid. 11. DELAY IN ENFORCING RIGHTS AND CHANGES IN THE AGREEMENT - We can delay enforcing any of our rights under this agreement any number of times without losing the ability to exercise our rights later. We can enforce this agreement against your heirs or legal representatives. If we change the terms of the Plan, you agree that this agreement will continue to protect us. 12. CONTINUED EFFECTIVENESS - If any part of this agreement is determined by a court to be unenforceable, the rest will remain in effect. 13. 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 50MEONE ELSE, AND ALL P.MOUNTS DUE TO THE SECURED PARTY ARE NOT REGEI'VEO IN THAT SALE, YOU MAY HAVE TO PAY THE DIFFERENCE. i4. NOTIGE FOR ARIZONA OWNERS OF PROPERTY - It is unlawful for you to fail to return a motor vehicle that is subject to a security interest, within Thirty days after you have received notice of default. The notice veil{ be mailed to the address you gave us. It is your responsibility to notify us if your address changes. The maximum penally for unlawful failure to return a motor vehicle is one year in prison and/or a fine of $150,000. S ~. ,- ~- ! l T .~ es [mDtTR[:nnaylrarrla 5fntF: Eniplnyees'•Ciedit Uc::on:% No:•443967~ • • e CO[TGCt eM 1111[7111 C1~3af~S M8+•vot: • H,.ao..v.PAn:os;cfo M~/lx.auf.rrf~jt».niE' ,~; • ;-• AUTOORAFY VOID OVER ! 17,815.00 REFER:tiCE~ -830a~64714 VOtD 12:7 GAYS AFTFR - 03!2'_!05,. - PAY,(OTHE,. _. .•~:./~/..-...~~ii-~w \1'i~_ ~ ~•\`'•'`J'_~.~. ^T~•. •.~a /. ~:.~!~~.'o' i~ S.'~.~?°_~•~t~_..vi :•\• . IMEOR AMt VWD VgtESf DEALLR LND AfEMEKT t-OMfLE(ED, • ~ 'A¢ANEq ERDORiEMENi_ •""' '• • " -; "• ~ . ` Elyari Glvl pY c• E..Irrtir snt Yw vd:d,al .d rsalr wnk.IS::.. ViHiYY 1Y •n11Yr.WE Wb Aute01:14 Y W. pn. 1: IM1r arm. Ulid .n'D•. nna. sd. • ~ ~ ~: ew e.rsnnN Yet •Yr iYrISD1Yti.rsCwatE PS[CU4MMn•MaltreYl Y.;i al lh. dr.lw 4mfl.b tlM loKowilE~y.rm•nt W.lm.tlen. ` i `L sw.glie%~16f~•s~w:t Oa f~•.•rf.•rk.111a0s'LiR dM E,filalAs arY+..liY~ •. ~ •s ~•r• •~'~/- ':'r• =•i'•yl.. r'a't ;~.~,il :~. Mrl:ilYli WM.1r71's 0iri.+rY~d1TN. /YrQl:q tMYl lsolM Yr:dafudaY •. •IDlris_,~~•41ifrS, Tlwl.M[3-.isj C:dn11n G11RwNTC..v~;•~• ;~ :~ 7 iiisra tlY?/.WD.W..p.f•~itMdYtl./r.IJlt~, .(ralJiHS Ylolr.ll foQ.np. :71..~••CPf :0~'W'•W,.~~ef~b;NTr. ~, •4" ~,S .\ Na w'~idj M' tMsr~.EysC4aV W ry.csal.d p:•Mah 7nl Mr..a ~ •: ,~ ` %.. 1'h~ / ~ '~!i4~~ i •'.• i ~%: •!i. •'3 ~. a r; :7.71.Ip.I:~E...rm...rra:.i. ° fEreufAxf'rnarTa7u•.. ..~ '' ~' j • ''1 ~/dt J .. •. .. -,:. ! ~•r ' .27~ • • tss 'a+' • ~ • Mambr.~ ErwierMaMnt •~~: •'~ ..1_I V~• S 0 ~ ll=- ~ ' '~ CASdILLl11lUII I ~. • r.~1•r T' -'~`• 11.{I~_ Co•Appl:ealltEndarurn.net• - ~•, `;,. aural aYa Itw..ur ~. ti~, ~ti •. M~ ~°t~1z4396'70D'~E:'~3 1311 l t k6r:' ' '• •3 306.471076x;; 44 •er=0001763S~0.r' . ~~.~ ~~ T- ZF~I~ 28815 .442205 597 0 6 _ • • ~dw~~ ~ • ' . .~ ~ ?y214• f132~1E15 s7~ i a w: ~~ ~ _ .; ~ s~r~ a7 - - ., U/r s mo :~~ ~~ ~~ ~ ~~s ~~~i~, ~~ ~~ s g~lE ~ ~ r~'j ~ ~~ ~~° ' ~ ~.o i~~;~~~ :~~ ti .s~o ~~ ;~E~~x~' ~_~ .: Rennsylvania State Empfoyazs Credit Union Main ;address: 1 Credit Union PlDCe, Harrisburg, PA 17110-2990 • 717.234.8484 • 800.237.7328 ~, Mailing Address[ P.O. Boz 670i3, •`:arrisburg, PA 1706-7013 717.777.2100 (TDD) • 800.472.1967 (TDD) ihls credit u•+ion is rederoliy Insu•ad by lire Notional Crodi! U~iolAdmirisl•alio~ Equal Op~liunl!y !antler VMNJ.pSeGU.Cain R EXHIBIT "B" Pennsylvania State Employees Credit Union RO. 5cx o'Ot3 1 Narrrsbur_q, PA r71D6Ji713 • /717) 234-8454 Hrrishurc~. (800) 237-7328 NaAOrw~de . the ttnancial linkr; Loan Disclosures This L0/4NLINER' Credit and Security Agreement, which includes the Truth in Lending Disclosures, will be referred to as the Plan. The Plan documents include this agreement and an Addendum. You, your and borrower mean any person who signs the Plan. Crodlt union, we, our and us mean PSECU or anyone to whom the Credit Union transfers its rights under the Plan. HOW THIS PLAN WORKS -This is an open-end, mufti-featured credit plan. N/e anticipate that, from time to lima, you will borrow money (called 'advances") under the Plan. We are not required to make advances to you under the Plan and can refuse a request for an advance at any time. The Addendum describes the ditterant types of credit (called "subaccounts'~ available under the Plan, the curcent interest rate for each subaccount expressed as a daily periodic rate and corresponding annual percentage rate and other charges. It may also have other terms and a schedule for determining the payment amounts. CREDIT LIMIT - We may, but do not have to, establish a credit limit on certain subaccounts. tf a credit limit is set for a subaccount, you promise not to exceed the established credit limit. If you exceed the credit limit, you promise to repay immediately the amount which exceeds the credit limit. REPAYMENT -You promise to repay all amounts you owe under the Plan plus interest. Payments are due on [he last day of the month unless we set a different day at the time of an advance. If the Addendum has no payment schedule for a subaccount, your payment will !>e determined at the time of each advance. Payments must include any amount past due and any amount by which you have exceeded any credit limit you have been ghren for a subaccount. You may repay all or part of what you owe at any time without any prepayment penafry. Even if you prepay, you will still be required to make the regularly scheduled payments unless we agree in writing to a change in the payment schedule. If ycu have a joint sharedraft eixount, you wiU be responside for paying all overdraft advances obtained by a )olnt holder of the sharedratt account. Unless otherwise required by law, payments will be applied ld amounts owed under the Plan, In the manner the Credit Union chooses. PLAN ACCESS -Ytw can obtain credo advances in any manner authorized by us. ff we allow you to use your ATMlDeba card to aa~ss the Plan. you may be Ilsde for the unauthorized use of your ATM/Debit card. You rri11 not be Dade b- unauthorized use that occurs after you nabfy us, ora-y or in writing, of the loss, theft, or possible unauthorized use. ti you believe your ATM; t]ebit Lard has been bat or stolen, immediately inform the Credit Union by calling or wrltlng us at the telephone number or address that appears elsewhere in the Plant. t1 the card is used to obtain unauthorized advances directly from the Plan, your tiab8liy will not exceed $50. B the unauthorized withdrawal is from a sharedratt account, your Rabiltly is gotsmed by the Regulation E disclosures you received at the time you received your ATM/Oebft card, even M the withdrewal results in en advart~ being made from your overdraft subaccount. FINANCE CHARGE - Tha dollar amount you pay for money borrowed is called a YrtanCe change• and begins on the date of each advance. A finance charge will be computed separately for each separate balance under the Plan. To compute the finance charge, the unpaid balance for each day since your last payment (or since an advance if you have not yet made a payment) is mutaplied by the applicable dally perfod~ rate. The sum of these amounts fs the fmance charge owed. The balance used to compute the finarx~ charge is the unpaid balance each day after payments and uedlts t0 that balance have been subtracted and any additions to the balance have been made. In addttton to interest, we may charge other finance charges w)ticn are discosed on the Addendum. It the interest rate fs a variable interest rate, the Addendum explains how the variable interest rate works. SECURITY -You pledge as security for the Pfau all shares end dividends and, if any, all deposits and interest In all joint and individual accounts you have with us now and in the future. It a specific dollar amount is pledged for an advance, we will freeze shares in that account to the extent of the outstanding balance far the advance. Otherwise, your pledged shares may be withdrawn unless you are in default The following paragraph appllea in all states except In Ohio, Rhode Island and Massachusetts: We have a statutory I'ren on the shares and dividends and, if arty, the deposits and interest in ell individual and joint accounts you have with us and may exercise our tights under the lien to the extent permitted by state law. (We are state chartered it our name does not include the term 'Federal Credit Union' For all iwrrowera: The statutory flan andlor your pledge will allow us to apply tt» funds to your account(s) to what you owe when you are In default The statutory lien and your pledge do not apply to any Individual Retirement Account or arty ocher account that would lose special tax treatment under state or fe0eral law it giver. as security. Additional security for the Plan may be required at the time of an advance. If a subaccount identifies a type of property (such as 'New Cars' you must give that type of property as security when you get an advance under that subaccount. A subaccount name such as "Other Secured" means you must provide security acceptable to us when you obtairi an advance under that subaccount. Property you give as security will secure all amounts owed under the Pfan and all other loans you have with us now or in the future, except any loan secured by your principal dwelling. Property securing other loans you have with us may also secure the Plan. CREDIT INSURANCE -Credit life and,'or credit disability insurance is optional under the Plan. If you qualify for aid purchase the insurance from us, yo~J authorize us to add Ina insurance premiums monthly to your loan balance and charge you CUhA MU'.8a1 7^JCP 'aW. 91.. Sa. sb 54 5d <_4 hv,0 C? °J Cd ^i A! i '. GH?< cSEn:ED ,~- C?SMCI ^T_ 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 De extended. The credit insurance rates may change during the Plan, If the rates change, we will provide any notices required by applicable law. PERIODIC STATEMENT - On a regular basis you will receive a statement showing all transactions under the Plan during the period covered by the statement. Statements and notices will be sent to you at the most recent address you have given us in venting. Unless applicable law requires notice to each pint borrower, notice to any one of you will be notice to all. JOINT ACCOUNTS - If this is a Joint mount, each of you is individually and jointly responsible for paying all amounts owed. That means we ran enforce our rights under the Plan against arty t7ne of you individually or against aA of you together. I} you give us inconsistent insfructions, we can refuse to iogow your instructions. Unless our written policy requires all of you to sign for an advance, each of you authorizes the other(s) to obtain advances individually and agrees to repay advances made to the other(s). Any joint accountholder may terminate the Plan by gNittg us prior written notice. K any of you terminate the Plan, the Plan is larminaled for a[t of you. You remain liable individually and jointly for all advances incurred before termination. FEES AND CHARGES - If you give us a security interest in certain types of property, we may charge you a filing tae to perfect our interest in the property. If we do, the amount of the !ee will be disclosed to you at the time you obtain an advance. We may also charge you other fees in connection wRh the Plan. Our Current fees are disclosed on the Addendum and will be added to your ban balance unless you pay them in cash. UPDATING CREDIT INFORMATION -You promise that you wGl promptly give us written notice H you move, change your name or employment, or N any other information you provided to us changes. Upon our request, you also agree to provide us updated financial Information. DEFAULT -The following paragraph applies to borrower in ldahq Kansas, Mains and Sotttlr Csro!lna: You will t>e in defauK if you do not make a paymnni of the amount required when it is due. You will also be in default if we begeve the prospect of payment, performance, or realization on any property given es security is significantly impaired. The fa-iowfng paragraph applies only to borrower /n Wisconsin: You wail be in default If you fart to make a payment when due two times during any 12 month period. You wNl !18 in default If breaking arty promise made under the Plan materially impairs your adlity to repay what you owe or materially impairs the condftlort, value, or protection of or our rlgM in any property you gave es ifectrrity. The loUowing paragraph appllea onty to borrower In lo9tra: You will be in default ii you are more than 10 days late in making a payment. You will abo be in default 'tf you do riot comply with the terrtts o} the Plan and your failure to comply materially impairs any property you gave as security or your ability to repay what you owe under the Plan. The lolJow/ng paragraph applies to borrowers !n all other states: You will be in default if you do not make a payment of the amount required when h is due. You will 1x9 to detautt ff you break any promise you made under the Plan or H anyone is in default under any security agreement made in connection with an advance under the Ptan. You wiN be in default if you die, file for bankruptcy, became Insolvent. K you make any false or misleading statements in arty credit application or update of credit information, or if something happens we believe may substantially reduce your ability to repay what you owe. You will be in default if any properly you have given us as security is repossessed by someone else, seized under a forfeiture or similar law, or M anything else happens that significantly affects the value of the property or our security interest in it. You wilt also be in default under the Plan H you are to default under any other loan agreement with us. ACTIONS AFTER DEFAULT -The following pargraph applies to bomowers In Colorado, Dfsbid of Columbia, Iowa, Kansas, Maine, Massechusetfs, Missouri, Nebraska, South Carolina and West Virgln/a: When you are in default and after expiration of arty right you have under applicable state law to cure your default, we cart demand immediate payment of the entire unpaid balance under the Plan without giving you advance notice. The lollonving pergreph appllea to borrower !n all other states except Wisconsin and Louisiana: When you are in default, we can requite immediate payment (acceleration) of the entire unpaid balance under the PIan.You waive arty right you have to demand for payment, notice of intent to accelerate and notice of acceleration. The following paragraphs appy to borrowers In all states except Wisconsin and Louisiana: If immediate payment is demanded, you will continue to pay Interest until what you owe has been repaid at the applicable interest rates in effect or, tl applicable, at the default refs disclosed on the Addendum. tt a demand for immediate payment has been made, your shares andr'or deposits can be applied towards what you owe as provided in the section abrnre called `SecurigP We can also exercise any other rights given uy law when you are in defautt. You agree the Credit Union has the right to take possession of any property given as security under the Plan, without judicial process, if this can be done without breach of the peace. If we ask. you promise to deliver the property at a time and place we choose. If the property is a motor vehicle or boat, you agree that we may PSECU FORM ~37a6 JBXX0601-2 037-2092.1 (3105} • LOANLINER' Credit and. Security Credit A r~eement (continued) obtain a key cr other device necessary to unlock antl operate it, .vnen you are it default. We will net be responsible for any other property, not c:rvered by this Agreement, that you leave inside the property or that is ~nached to the propery. We I will try to return that property to you or make it available for you to claim. ' Alter we have possession of the properry, we can seal it and apply the money to any amounts you owe us. We will give you notrve of any public disposition or the date after which a private disposition will be held. Our expenses for taking possession of and ' salting the property will be deducted from the money received from the sale. Those cosU may include the cost of storing the property, preparing it for sale and attorney's fees to the extant 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 to any unpaid balance under the Plan. You agree to pay interest on that amount at the same rata as the advance, or, if applicable, at the default rate disclosed on the Addendum, ungl that amount has been paid. The lollowing paragraph applies onty to Wisconsin borrowers: Whop you are in default and attar expiraiton of any right you have under applicable state law to cure your default, we may require immediate payment of your outstamm~g loan balance under the Plan and seek possession of property given as security. You may voluntariry give the property to us if you choose, or we may soak to take possession of the properry try judicial process. It we repossess the properly, you agree b pay reasonable expenses i incurred in disposing of the properry. If the properry is a motor vehkJe, mobile home, E traUer, snowrttobile, boat or aircraft, you wib also be required to pay any costs permitted i ny Section d22.413 of the Wtsconsin Statutes. You must pay any amount that remains unpaid after the sale money has been applied to what you owe under the Plan. You agree to pay interest txt any unpaid amourn at the same rate as the advance, or, tt applit:able, at the defauri rata disclosed on the Addendum, until that amount is paid. t H the property is located outside Wisconsin at the lima of dafauft, we may fake possession of the property without judicial process. ff permitted by the state where ~ the property is located. The lollowing paragraph applies only to Louisiana bonowera: When you are in default, we can require immediate payment (acceleration) of the entire unpaid balance under the PIan.You waive any right you have to demand for payment, notice of intent t0 accelerate and notice of acceleration. If immediate payment is demanded, you will contatue to pay interest until what you owe has been repaid at the applicable interest rates in effect unless a default rata is disclosed on the Addendum. If a demand for Immediate payment has been made, the shares and deposits given aS security br the Plan can be applied towards what you owe. We can also exert9se any other rights given oY law when you are in default and our ~ rights under any securtty agreements you have with us. CANCELLING OR CHANGING THE PLAN -The loNowing paragraph applies only to bonawrra In lOlito/s: We have the right to change the terms of the Plan from time to lime after giving you arty advance notices required by law. Any change to the interest rate or other charges will appy to future advances. Tha IoUowing paragraph appflea only to borrowers /n W/aconsln: We can change the terms of the Plan from time to time in acxordance with Section 422.415 of the Wiscorisln Statutes. You will be notified of any change in farms. An increase in the daily perk rate under a variable rate interest rate is not considered a change in terms unr~r the Plan. We can cancel the entire Plan or any part of the f Plan at any time. You may cancel the Plan at any Ume by gluing us prior written 1 notice. Your obligation to pay the unpaid balances under the terms of the Plan continues whether you or the credit union cancel the Plen, except to the extent that your (lability is limited by Section 422.4155 of the Wisconsin Statutes. The lollowing paragraph applies only to borrowers to laws: We can change the terms of the Plan from time to lima otter giving you any advance notice required by law. A change that increases the rate of finance charge or other charge, that ~ increases the amount of your payments, or that otherwise edversay affects existing balances will apply to existing balances only it you agree to the change or you use the Plan after receiving notice that your use of the Plan means you agree the change apples to existing balances. ~ Tire lbllawing paragraph applies to borrowers In all other states: We have the right to change the terms of the Plan from 6me to tlme after giving you any advance notice required by law. Any change in the interest rate will apply to Arturo advances, t and at our discretion and subject to any requirements of applicable law, will also apply to unpaid balances. The blfowing paragraph applies to all but IMsconsln borrowers: An increase in the daily periodic rate under a variable interest rata is not considered a change in t terms under the Plan. We can cancel the entire Plan or any part of the Plan at any i time. You may cancel the Ptan at any time t>y giving us prior wririon notice. Your t obligafion to pay the unpaid balances under the terms of the Plan continues whether you or the Credtt 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 nigh+s later. We can enforce this Plait against your heirs or legal representatives. If we change the terms of the Plan. you agree that this Ptan will continue to protect us. CONTINUED EFFECTIVENESS - It 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 follovring paragraphs apply if you give security in connection with an advance under the PIan.They apply to borrowers in all states except Louisiana. Louisiana borrowers will execute a separate security agreement. Borrowers fn other states may also be asked to execute a separate security agreement. THE SECURITY FOR THE PLAN -You give us what is known as a security interest in all property described in any receipt, voucher or other document you receive for an advance ("the Advance"). The security interest you give includes all accessions. Accessions are things which are attached to or installed in the property now or in the futuro. The security interest also includes any replacements for the property which you buy ~vilhin 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 properry. If 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 descrit~ed In the receipt, voucher or any other document you receive at the time of the Advance and any extensions, renewals or refinancings of the Advance. It also secures any other advances you have now or receive fn the future under the Plsn 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 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 properry you give as security or if the Advance is to buy the property, you promise you will use the Advance for that purpose. You promise that no one else has any interest in or claim against the property that you have not already told us about. You promise not to sell or lease the property or to use it as security for a loan with another creditor until the Advance is repaid. You promise you will allow no other security interest or lien to attach to the property either by your actions or by operation of law. PROPERTY INSURANCE, TAXES AND FEES -You must maintain property insurance on all property that you give as security under the Plan. You may purchase the property Insurance from anyone you choose who Is acceptable to the Credit Union. The amount and coverage of the property insurance must be acceptable to us. You may provide the properly insurance through a policy you already have, or through a policy you get and pay tor. You promise to make the Insurance policy payable to us and to deliver the policy or proof of coverage to us if asked to do so. If you cancel your insurance end get a refund, we have a right to the refund. If the property is lost or damaged, we can use the insurance settlement to repair the property or apply it towards what you owe. You authorize us to endorse any draft or check which may be payable to you in order for us to collect arty refund or benefits due under your Insurance policy. You also promise to pay all taxes and fees (like registration fees) due on the property. If you do not pay the taxes or fees on the property when due or keep it insured, we ntay pay these obligatlorts, but we are not required to do so. Arty money we spend for taxes, fees or insurance wpl be added to the unpaid balance of the advance artd you vnA pay interest on those amounts at the same rate you agreed to pay on the advance. We may receive payments b conrteclfon with the insurance from a company which provides the Insurance. We may monrior our bans for Bte purpose of determining whether you and other borrowers have compiled with the insurance requirements of our loan agreements w may ergage others b do so. The insurance charge added to an advance may include (1) the Irtstuartce company's payments to us and (2) the cost of detenntrdng compliance with the trtsurarice requirements. h ws add amounts for taxes, fees or insurance to the unpaid bafartce of an advance, we may increase your payments to pay the amourn added within the term of the insurance or approximate tens of the advance. INSURANCE NOTICE - If you do not purchase the required roperry insurance, the insurance we may purchase and charge you far wiN cover on~y our interest in the property. The premium for this insurance may be higher because the insurance company may !rave given us the right to purchase insurance after uninsured collateral is lost or damaged. The. insurance will not be 11abNlty Insurance and will not satisfy arty state financial responslbllity or no fault laws. PROTECTING THE SECURITY INTEREST - If your state issues a trrie for the property, you promise to have our security interest shown on the title. We may have to file what is celled a finandng statement to protect our security Interest from the claims of others. Ii asked to do so, you promise to sign a finartdng statement. You also promise to do whatever else we think is necessary to protect our security interest in the properry. You promise to pay all costs, including but not limited to any ariomey teas, 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 OH, you promise you will: (1) Use the properry carefully and keep it in good repair. (2) Obtain our written permission before making major changes to the properry or changing the address where the property is kept. (3) Inform us in writing before dtanging your address. (4) Allow us to inspect the property. (5) Promptly notify us if the property is damaged, stolen or atxued. (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 MAV HAVE TO PAY THE DIFFERENCE. NOTICE FOR ARIZONA OWNERS OF PROPERTY - It is unlawful for you to fail to return a motor vehicle that is subject to a secur:ry interest, within thirty days after me 1o11ewiny !s required by yerraonl law -NOTICE TO CO-SIGNER -YOUR j' you have received notice of default. The notice lrlll be mailed to the address you SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE ~ gave us. It is your responsibility to notify us if your address changes. The maximum FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, ~ Penalty for unlawful failure to return a motor vehicle is one year in prison and'or a THE LENOEfl HAS A LEGAL RIGHT TO COLLECT FROM YOU. tine of StSO,ooo. .~ ~ LJ This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. You are advised to read your monthly eta:emert 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 wrcny, 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 m wri±ing 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. ' Tha dollar amount of the suspected error. ' Describe the error and explain, tf you can, why you believe there is an error. If you need more information, describe the item you are not sure about If you have authorized us to pay a credit card account automaYtcaOy from your share account or cheddng account, you can stop the payment on any amount you think is wrong. To stop the payment your latter must reach us three busyness days before the automatic payment is scheduled to occur. YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE - We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain wry we believe the statement was correct. In this Agreertitent, the words you and your means each and ail of those who apply far fire card or who signs this Agreement. Card means the Visa Credit Card end any duplicates and renewals we issue. Account means your Visa Credit Card Line of Credit account with us. We, us, and ours means this Cred'd Union. t. RESPONSIBILITY- If we issue you a card, you agree to repay all debts and the Finance Charge arising Tram the use of the card and the card account For example, you are responsible for charges made by yourself, your spouse and minor children. You are also responsible for cttargss made by anyone else to whom you give the card, and this responsr'biAty continues until the card u recovered. You cannot disclaim responslbUity by notifying us, but we wiA dose the aocourtt for new transactions if you s0 request and return all cards. Your obligation to pay the account balance continues even though an agreement, dhroree decree or other court judgmertf to which we are rxyt a party may direct you or one of the other persons responsible to pay the account. 2 LOST CARD NOTIFICATION - If you beAeve the card has bean lost or stolen, you•wiA immediately call the Credit Union at (71 ~ 234-8484 or (800) 237-7328. After hours call (800) 55&5678. 3. UABILf1Y FOR UNAUTHORIZED USE -You agree to notify us immediately, orally or in writing of the lass, theft or unauthorized use of your Credit Card. You may be liable for the unauthorized use of your Credit Card. You will not be liable for unauthorized use that occurs after you notify us of the bas, theft, or possible unauthorized use. You wiA have no liability for unauthorized purchases matle with your Credit Card, unless you are grossly negligent In the handling of your Card. In any case, your liability will not exceed $50. 4. CREDIT UNE - If we approve your application, we will establish aself- replenishing t_irte of Credit br you and nofity you of its amount when we issue the card.You agree riot b let the account balance exceed this approved Credtt Una. Each payment you make on the account will restore your Credit Line by the amount of the payment which is applied 1o the prindpal. You may request an increase in your Credit Urte only by written appf~catlon to us, which must be approved ty our credit committee or loan officer. t3y gfvtng you written notice we may reduce your Credit lire from time tc tlme, or with gtxad cause, revoke your card and termknate this Agreement Good cause includes your faHure to dimply with this Agreement or any other agreement with us, or our adverse reevaluation of your creditworthiness. You may also terminate this Agreement at any time, but termination by either of us does not affect your obligation to pay the account balance. The cards rerrtain our property and you must recover and surrender to us all cards upon our request and upon termination of this Agreement. 5. CREDR INFORMATION -You authorize us to investigate your credit standing when opening, renewing or reviewing your account, and you authorize us to disclose information regarding your account to credit bureaus and other creditors who inquire of us about your credit standing. 6. MONTHLY PAYMENT - We will mail you a statement wary month showing your Previous Balances of purchases and cash advances, the current transactions on your account, the remaining crec5t available under your Credit Una, the New Balances of purchases and cash advances, the Total Naw Balance, the Finance Charge duo to date, and any other bNted fees, and the Minimum Payment required. Every month you must Pay at least the Minimum Payment within 25 days of your statemant dosing date. By separate agreement you may authonze us to cnarge the minimum paymern automatically to your share or cracking account with us. You may, of rnurse, pay more frequently, pay mAre than the Minimum Payment, or pay the Total New Balance ir. full, and you will reduce the finance charge by doing so. h your monthy payment exceeds the total credit Gna balance clued, we wAI automaticaiy pest the uedit to your S1 shares. The minimum payment will be (a) 2 •a of your Total New Balance, rounded up to ttte next even dollar, or (b) 520.00, whichever is greater. In addition, at any time your Total New Balance exceeds your Credit Une, you must immediately pay the excess upon our • After we receive your letter, wa cannot try to collect any amount you question, or report you as delinquent. We can continue to tend sta:emants to you for the amount you question, including finance charges, and wa can apply any unpartl amount against your credo 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 questson. It we find that we made a mistake on your statement, you wilt not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount.. In either case, we will send you a statement of the amount you owe and the date that it is due. Ii you fail to pay the amount that we think you owe, we may report you as delinquent. However, If our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your statement. And, we must tell you the Hama of anyone we reported you to. We must tail anyone we report you to that the matter has been settled between us when ft finally is. If we don't follow these rules, we can't collect the first 550 of the questioned amount, even if your statement was correct. SPECIAL RULE FOR CREDIT CARD PURCHASES - If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations on this right: (a) You must have made the purchase In your home state or, if not within your home slats, within 100 miles of your currant mailing address; and (b) The purchase price must have bean more than 550. These limitations do not apply it we own or operate the merchant, or if we mailed you the advertisement for the property or services. demand. We wiA apply payments in the folbwing manner: first to previous late fees, then to previous cash advances fvtance charges, then to previous purchase finance charges, then to current late tees, then to previous cash advance balances, then to previtxrs purchase balances in the order that They were posted to your account, then to current cash advance balances, and then to curr~tt purchase balances. 7. FINANCE CHARGES -- You can avoid the Finance Charge on purchases by paying the full amount of the New Balance of Purchases each month within 25 days of your statement closing date. Otherwise, the New Balance of Purchases, and the subsequent purchases from the date they are posted to your account, will be subject to Finance Charge. Cash advances are always subject to Finance Charge from the date they are posted io your amount. purchatses: We calculate your finance charge by multiplying the average adjusted daily balance (see explanation below), includlrtg new purchases, for the bllAng cycle by the monthly periodic purchase rate and corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum. Cash Advances: We calculate your finance charge on cash advances by multiplying the average adjusted deity balance (sae explanation below) for cash adver~ea during the billing cycle by the monthly periodic advance rate and rx?rresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum. 8alanca Computation Method Average Deify Balance for Purchases -The Averege Dally Bafanas for Purchase Transactions is calculated by adding the Oaiiy Balances {Purcltase Transaction) for each day in the billing cycle, and then dividing by the number of days in the billing cycle. To calculate the Daily Balance for' purchases each day, we take the following steps: We take the outstanding balance (aA amounts you owe) 8t 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 cradle, vre subtract the amount of any unpaid Finance Charges or tBte Charges. Then we also subtract the amount of any Cash Advance transactions that posted to your account on that day or fn arty previous day in the billing cycle. This gives us the Daily Balance ftx purchases. Average Daily Balance for Cash Advances -Cash Advance Transactions whidt are posted to your account are not included in the Average Daily Balance gbulatiort br purchases, and are therefore not subject to the monthly periodic rate for purchases, The Average Gaily Balance is calculated separately br Cash Advances and is subject to. the Cash Advance Monthly Periodic Rate. The Average DaAy Balance for Cash Transactions is caletilated by adding the Daily Balances (Cash Transaction) breach day in the billing cycle, end then dlvldrtg by the number of days in the t>iA'utg cycle. To cakulate the Daiy Balance for cash each day, we take the tdlowing steps: We take the outstanding balance (alt anaunts you owe) ai the start of the day Then, in the sequence in which amounts are posted to your account, we add the anaunts of all debits end subtract the amounts of all credits W payments whidl post to your account that day After applying payments and credits, we subtract the amount of any unpaid Finance Charges or Late Charges. Then we also subtract the amount of any Purchase Transactions that posted to your account on that day or in any previous day in the tNlling cycle. This gives us the Oaiy Balance for Cash Advance Transactions. Nola: Cash Advances ere ahvays subject to finance charges and from the day they are posted to your account Payments are 8pplied 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 tees, then to previous cash advance balances, then to previous purchase balances in the order that they were posted to your exeunt, then to current cash advance balances, and then to current purchase balances. Credits are applied first to the particular Npe of tlab! which is being credited, if any, and then to the balance of your account. • Visa' Credit Card Agreement and Truth to Lendi~_Dtsc/osure (continued) Kota also that d the rota; of the payments and credos vrfudr era posted to your acccurt by the Payment Dua Date shown on a statement ~s equal to or exceeds the New Balance shown on [hat statement, we will not apply the tvtcnthly Periodic Rate to your Auount on your next statement. t3. DEFAULT -You will be in default if you fail to make any Minimum Payrcent within 25 days after your mon'•.hly statement closing date. You authorize us to transfer funds sufficient to make the minimum payment due if your Visa Ivan is ;n default. You agree that we may temporarily suspend your ATM card access if your Visa payment is due ftx 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 insofventy proceedings involving you, your death or your failure to abide py this Agreement, or it the value of our security interest materially declines. We have the right to demand immedate payment of your Lull account balance it you default, subject to our giving you any notice required by law. To the extent permitted by law, you will also be required to pay our collection expenses, including court costs and reasonable attorney fees. 9. USING THE CARD - To make a purchase or cash advance, there are two alternative procedures to be foaowed. Ona is br you to present the card to a participating Visa plan merchant, or another financial institution, and sign the sales or cash advance draft which will be imprinted with your card. The other is to complete the transaction by using your Personal Identification Number (PIN) in conjunction with the card in an Automated Teller Machine or other type of electronic terminal that provides access to the Visa system. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local taut. The monthly statement will identify the merchant, electronic terminal or financial institution at which transactions were made, but sale, cash advance, credit or other slips cannot be returned wfth the statement. You wilt slain a copy of such slips furnished at the time of the traruactbn in order to verify the monthly statement. The Credit Union may make a reasonable charge for ptwtocoples of slips you may request 10. OVERDRAFT OPTK)N - It you elect to overdraft to your PSECU Visa Credit Card, that eleillor is subject to the existing credit limit and the agreement it represents and the current ban policy ai the time of the overdraft. You also understand that an overdraft wiN be tbrtsidered Ute same as a cash advance on your PSECU Visa Credit Card and that the Current Annual Pt3rcentage Rata for cash advances will aPPty• 11. RETURNS ANO ADJUSTMENTS -Merchants and others who honor the card may give credit for returns and adjtatments, and they will do so by sending us a credit slip which we will post to your Vtsa fine of aredit.lt your credit and payments exceed what you owe us, we wiq automatically post the excess credit balance to your S1 Shares within 75 days. Ii the balance is one dollar or more, upon }rour written request, vrre will refund the credit balance to you. 12. FOREIGN TRANSACTIONS -The exchange rate between the transaction currency and the billing wrrency used for processing irttemational transactions is a rate selected uy Visa from the range of rates available in wholesale currency markets for the applicable cenVal processing date, which rate may vary from the rate Visa dself receives, or a goverrvnent-mandated rata In atlect for the applicable central processing date. In east Irtstartce, an adjustment may be assessed based on the ISA fee imposed by visa This fee, which totals 196 of the trartsaction amount, win be assessed on aU trartsactlons where the mercttartt country dlffera from the country of the card issuer. 13. DISPUTED TRANSACTIONS - ff you disagree or find an error with a Visa ATM CARD CARDHOLDER AGREEMENT -The Understgned (yvu or your), in consideraSOn of THE PENNSYLVANIA STATE EMPLOYEES CREDIT UNION (we, our and us) issuing to you an ATM CARD, hereby agree to be tegady bound by the following terms and conditions. You agree that the use of your ATM card(s) constkutes acceptance of the terms and conditions of this Agreement. ,You ~ understand that ATM is acredit-related service and you authorize PSECU to obtain a credit report on any users of this account. ~ 1. ACCOUNTS AND USES OF ATM CARD -You have the account(s) (including I Checking and Regular Shares), which we set forth on your application form with this Agreement. You hereby request that we issue to you one or more ATM CARD(s) to be used in connection with such accounts as described In this Agreement. You understand you may use the ATM CARD at a STAR SYSTEMS ATM to (1) withdraw cash from, (2) make or arrange for deposits in, (3) effect transfers to or from your account, (4) receive information regarding the balance in your account(s) or (5) I 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 SYSTEM® name and logo (1) to maka withdrawals from, (2) effect transfers to or from, (3) receive information regarding the balances in your Checking or Regular shares. It you have a Personal Service Loan i 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. M you use the ATM CARD to make a Purchase to obtain cash, it 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 maka available 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 that the uses of the ATM CARD described -- --- --~ transaction, and have tried m good ta;th tc correct t^e problem with the rnarchant or the charges are the reswt of unauthorizee or fraudulent use, or your purchase cost morn than 550 and was made from a plan merchant in your state within t00 miles of your home, contact PSECU. You a 2 required to nonty PSECU in writing witnin 50 days toltowmg the date on which we sent your statement wherein the error or problem first appeared regarding ary discrepancy or unauthorized Iransact~on On your account. Telephoning FSECU 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 Ire derails of your dispute. In cases of fraudulent card use, PSECU vrll 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 transactions} in question. PSECU must adhers to strict dispute timeframes set forth by Visa. 14. SECURITY INTEREST -To secure your account, you grant us a purchase money security interest under the Uniform Commercial Code in any goods you pwchaso tluough the account H you default, we will have the right to recover any of these goods which we have not bean paid for through our application of your payments in the manner described in the Monthly Payment section. With rasped to this account ony, we will not assert arty statutory right we may have it you are in default to prevent withdrawal of your unpledged credit union shares (Deposits) bebw the unpaid balance o} your account However, if you give or have given us a specific pledge of your credR unon shares (Deposits) by sigrting the Pledge of Shares or otherwise, or any other security interests for ell your debts, your accarnt will be secured by your pledged shares (Deposits) and by the property described in those other security agreements, except for your home. 1 fi. EFFECT OF AGREEMENT -This Agreemont is the contrail which applies io alt 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 6me by sending you the advance written notice required by Iaw.Your use of the card thereafter will indicate your agreement to the amendments. To the extent the taw permits, and we indicate in our notice, amendments will apply to your existing account balance as well as to future transactions. 1 B. LATE PAYMENT CHARGE - If your Minimum Payment is not received by the first day of the month tollowfng your due date, you will be subject to a 520 charge. 17. RUSH FEES -You rttay incur additional charges for rush processing and rush delivery of cards and/or PIN mailer. 18. OVER UIYgT FEE - A 520 fee wig be applied for each monthly statement dosing date on which if>e otrtsmnding balance exceeds the assigned txedtt fertit by more than $100. 19. DRAFT COPIES -You may incur an atldltional charge for transaction summarylsale draft documentation. 20. COPY RECEIVED -You actnowledge receipt of a copy of this Agreement. 21. ILLEGAL TRANSACTIONS PROHIBITED -You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or boat law. 22. NO USE -Inactive Vtsa accounts that have no purchase or cash activity may be dosed without notice to you after 18 months of no activity. 23. NEURAL NETWORK -PSECU uses neural network systems to predict and prevent unauthorized Uansactions. There may be occasions when a transaction is decfirted because ft is lndkk;8xtive of possible fraudulent activity. In this Agreernenf shall be subject to the rotes and regulations of each account which is accessed by such Card. 2. USE OF PERSONAL IDENTIFICATION NUMBER ('PIN'j WITH A1'M CARD You understand that a STAR SYSTEMS or a PLUS SYSTEM ATM is en automated teller. It can and will perform many of the same tasks as a human teller. You acknowledge that the Personal Identification Number or PIN which you use with the ATM CARD is your signature, identifies the bearer of the Card to the STAR SYSTEMS ATM, PLUS SYSTEM ATM, or other network ATM and authentlk~tes and validates the directions given just as your actual signature and other proof identify you and authenticate and validate your directions to a human teller. You also understand that a Merchant which accepts the ATM CARD fora Purchase transaction may have an electronic terminal (Merchant operated or Self-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 given just as your actual signature will authenticate 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 CARO(s) issued to you or PIN has boon 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 t,me. YOU AGREE THAT IF YOU GIVE YOUR ATM CAAD(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 CARO(s) 8Y THEM. You could lose all your money in the account(s) if you take no action to notify I FSECU of the loss of your ATM CARD or PIN. Safeguard your Personal Identification Number jPIN). Do not tell or disclose your PIN to any other parson. Do ~ not write your PIN on your ATM CARD. Oo not keep 3 wriaon record of your PIN near I y~ou~r ATM CARD. Do not choose a PiN that ;s easily identifiable. i~_._._--~------- ------- -- EJgrtlonic FundS_T>i~t?sle_r, AThi ggreement and_Regulpt)on _'E_' Disclosure (continued) A nFrr card may be ordered for you at that time and a "hold' will be placed on your E old card. Aher such time, if you find your e.d card, de;troy the c!d card by cu.".ng it in half. If you attempt to use your old card, a will rot rrork. 3. CHARGES -You agree to pay a 50 cznt charge for each deposit or withdrawn! 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 52C. I You ag fee 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 Irom 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 tees or charges may be imposed or changed from time to time. 5. DEPOSITS -You agree that when you make a deposit at a STAR SYSTEMS ATM that we have the right to verify the deposit before we make the money available to you. -f you defrver 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 Rams that you are depositing and whether the deposit Is made at a STAR SYSTEMS ATM that is owned ay us or another flnanclal institution. You also understand and acknowledge that not all STAR SYSTEMS ATMS may accept deposits and some STAR SYSTEMS ATMS may limit the amount of funds which may be deposited and that we may not control these limits. 6. LIABILITY - It the ATM CARD is issued ttu a joint account, you agree to be jointly and severalty liable under the terms of this Agreement and the agreement for such account. You agree that tt you make deposits or payments to your account(s) with items other than cash (checks, drafts Or other ftems) and we make funds available to you from such deposits prior to their collection, you agree that we may deduct Ute amounts of such funds from your account(s) which are not collected or, U the funds in your account{s) are insufficent at such lima, 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 A'I'Ivi CARD services or to amend or change the charges for these services. Wa 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 constttute your acceptance of and agreement to such amendment or change. 8. OWNERSHIP -You agree that the ATM CARD Is our property and you will surrender It to us upon our request. You agree that the ATM CARD is non- transferable. 9. DISCLOSURES -You hereby acknowledge receipt of the discosure statement informing you of your rights under the Electronic Funds Transfer Act and a copy of this Agreement. REGULATION "E" DISCLOSURE t. ELECTRONIC CHECK CONVERSKIN/ELECTRONIC RETURNED CHECK FEES - If you pay for something with a check or share draft, you may authorize it to tie converted to an electronic fund trensfer. You may also authorize merchants to electronkaly debit your account for returned chedk tees. You ere considered to have authorized these electronk funds transfers if you complete the transaction after being told (oreiy or by a notice posted or sent to you) that the transfer may be processed a{ectronicaly or it you sign a written authorization. , 2, SUMMARY OF CONSUMER LIABILfTY - • ATM, ACH and SST -Tell us at once if you believe your prd has been lost or stolen. Telephoning is the best way to keep your possible losses down. You mould lose ail the rttoney in your account plus your maximum overdraft line of credit. if you believe your card has been tort or stolen, and you tell us within two business days Aher you loam of the loss or theft, you can lose no more than 550 ii someone used your card wfthout your permission. If you d0 not tell us within two business days after you learn of the loss or theft o} your card, and we can prove we could have stopped someone from using your card without your permission if you had told us, you could Lose as much as 5500. Also, if your statement shows transfers that you did not make, tell us at once. It you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason such as a long trip or a hospital stay kept you from telling us, we will extend the time periods. 3. TELEPHONE NUMBER AND ADDRESS TO NOTIFY OF UNAUTMORI2ED TRANSFERS - • ATM -Contact PSECU at (800) 237-7328 EXT 3808 (nationwide) or (717) 234-8384 (in Harrisbwrg). After hours, follow the menu options on PSECU's voice mail system to report a lost or stolen card. For Vsa Credit or Debit Cards, follow the directions /or Lest Card Notification under the Yisa Credit ~! Card Agreement and Truth-in-Lendrng Disclosures section or this document. • ACH and SST - Gontact PSECU at (800) 237-7328 (nationwide) or (71 T) 234-8=83 (.n Harisburg} • Or wrta to us at: Pennsylvania State Emplrnfees Credit Unicn P.O. Box 67013 Harrisburg, PA 17106-7013 PSECU Business Hours: B:OOa.m.-5:OOp.m.M-F TDD (800} 472.1967 Natiornvide (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 cheddng/savings; purchase goods and services at any accepting reta8 establishment. • ACH - Preauthorized debits and credfts 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 kart account from your PSL to any share or loan account; withdrawals from any share except IRA shares or certificates. 8. ANY CHARGES FOR ELECTRONIC FUNDS TRANSFERS OR FOR THE RIGHT TO MAKE TRANSFERS - • ATM -Fifty cents for each disbursement (cash advance or wfthdrawaq less than S20; fifty cents for each transaction over 15 per month; 25 cent for each balance inquiry; and there may be an addrtional charge for any adjustment that needs to be made to the account of any member who makes an error while depositing at an Automated Teller machine (ATM). • ACH - S30 service charge for insufficient lands for each electronic transfer. • SST -none 7. SUMMARY OF CONSUMER'S RIGHT TO RECEIVE DOCUMENTATION OF EFTS - • ATM -You are enUUed to receive a printed receipt et the time of each transaction. You will receive a monthly statement showing the statue d your ac~unt, arty transactions made during the month, and any penariies or charges PSECU may Impose during the month. • ACH and SST - Ybu will receive a mouthy statement showing the status of your account, any transactions made during the month, and any penaftles or charges PSECU may Impose during the month. • If you have arranged to have a direct deposit made td your account at (east once every 60 days hom the same person or twmpartK you can call us at (800) 237-7328 to find out whether Dr riot the deposit has been made" 8. STOP PAYMENT RIGHTS -PRE-AUTHORQED TRANSFERS - • ATM and SST -Not applicable. • ACH -Right to Stop Payment and Procedures for doing so. Ii you have told us in advance to make regular payments out of your account, you can stop arty of these payments. Here's how: Call us at (800) 237.7328 (Natkxtwide) or {717) 234-8484 {Harrisburg) or write us at: Pennsyhrania State Employees Credtt Unicn, P.O. Box 67013, Harristwrg, PA 17106.7013, >n Ume for us to receive your request three business days or more before the payment ~ scheduled to be made. If you call, we may also require you to put your request in wHUng and get tt to us within 14 days after you call. • Nodee of Varying Amounts. h these regular payments may vary in amount, the person you are going to pay wiM tell you, 10 days before each payment. when k will be made and how much h wit! t>e. Ybu may choose instead to get this notice Duty 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 sat. • Liabll/ty lo- Faliuro to Stop Payment of Preauthorized 7)'arwlers. N)rou order us to stop one of these payments three business days or more before the trensfer is scheduled, and we do not do so, we will be Gable for your bases or damages, unless we request and do not receive written confirmation of an oral stop payment within 14 days and the transfer lakes 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 INSTTUTION'S FAILURE TO MAKE OR STOP CERTAIN TRANSFERS - • ATM - If PSECU tails to complete a transaction on Ume 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 m your account to complete the transfer, (2) the funds in your account are unco8ected; (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; (ti} 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, o- 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 • ~l~glQni F n sJransfg6 ATht AgreeRl~tll anal -Regulati49.:'~~'_Disclg5urg j (conflnued) I 1 permissible transaction listed above; or, (1 t) 4he transaction would exceed the I security limitations on the use of your ATfd CARD. i ACH and SST - It PSECU fails to complete a traruacticn on time or in the correct amount, when properly instructed by you, PSECU wits be liable for damages caused by our failure unless: (7) there are insuf!iciert funds in your account to complete tie transfer; (2) the funds in your account are ugcollected; (3) the funds are subject to legal process; (4) the transaction you j rettuest would exceed the funds in your account plus any available overdraft i credit; (5) PSECU has mason to believe that the transaction requested is unauthorized; (6) the failure was caused by an act o1 Gcd, fire, or other catastrophe, or t>)r another cause beyond control. In any case, PSECU shall j be liable only for actual proven and not corsaquential damages if the failure ! to make the transaction resulted from a bona fide error despite PSECU's procedures to avoid such ertors. 10. DISCLOSURE TO THIRD PARTIES - • ATM, ACH and SST -PSECU will disclose iMormation about your account to third parties: (1) when it is necessary to complete transactions: (2) to verity the existence and standing of your account with PSECU upon request of third party, such as a credit twreau; (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 i orders; (6) on receipt of certification from a Federal Agency or department that a request for information is in compliance with the Right to Financial Privacy Act of 1978; Regulation P, Privacy of Consumer Financial Information; and (n when it is necessary to take legal action to recover shares. 11. STAR SYSTEMS SERVICES - • ATM Only -You may use your ATM CARD with your Personal Identification i Number (PIN} at STAR SYSTEMS located in Delaware, Maryland, New Jersey and Pennsylvania to conduct any of the lotlowing transactions for the acxourtts accessed by your ATM CARD. a) Determine the account balance(s) of your Checking your Regular Shares, and your Personal Service Loan (PSL). b) Withdrew cash from your Checking and your Regular Shares. c) Make a cash advance from your Personal Service Loan (PSL). d} Deposit curcency; checlks, or drafts (coins are not axeptabie) for transmission t0 PSECU for deposit In your Checking and your Regular Shares. NOTE: There are limited locations in Maryland where deposits may be made, We wish to inform .you that some ATMs located in these areas may only provide access to your Checking, your Regular Shares, and your Personal Service Loan. Not ail ATMs may accept deposits. There may also be limits on the amount of funds wh~h you may deposit in certain ATMs. 12. PLUS SYSTEM' SERVICES - • ATM Only -You may use your ATM CARD with your Personal Identification Number (PIN) at any PLUS SYSTEM automated teller machine (PLUS SYSTEM ATM) located throughout the United States, Puerto Rico, Canada, Great Britain and Japan to conduct any of the following transactions on the arxotutts accessed by your ATM CARD. a} Determine the akxaunt 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 ere not available through PLUS SYSTEM ATMs. These ara 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 1 such arrangements ara made and describe the services that are available to i you. Any Charges will also be described. 14. PURCHASE TRANSACTIONS - • ATM Only -You may use the ATM CARD t0 purchase goods and services ('Purchase') at any retail establishment ('Merchant') where ATM CARDS are ! accepted by such Merchant. The amount of all such Purchases will be I deducted from your Checking. When you make a Purchase using the ATM CARD, you will be requesting PSECU to wfthdraw funds from your Checking in the amount of the Purchase and directing PSECU to bay these funds to such Merchant. 15.l.IMRATIONS ON THE USE OFYOUR ATM CARD - • ATM Onty -You may withdraw up to S500 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 withdrawipurchase up to $500 at point of sale locations. PSECU reserves the right :o reduce this tally limit at any time. In the event that your daily limit is sass than 5500, PSECU will advise ycu 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 revealed (or security reasons. The Pennsyh~ania State Employees Credit Union is not obliged to maintain such limitations. You will be denied use of your ATM CARD if you exceed the daily withdrawaVpurchase limit, if you do not have adoquate funds available in your account, do not enter the correct Personal Identifrcation 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 Ghe denial. There is a limit on the number of such denials permitted. Attempts to exceed the limn vrill result in machine retention of our ATM CARD. The number of attempts that resuh 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 it you need more information about a transaction listed on the statement or receipt. PSECU must hear from you no later than 60 days aner it Sant you the first statement on which the problem or ertor appeared. You must provide the following information: (a) Yaur name, account number, and ATM CARD number (if a ATM transaction), or reference number (if Self- Service Telephone Transaction); (b) Describe the error or the transaction you are unsure about, and explain as clearly as you can why yrou believe it is an error or why you need the information, and; (c) The dollar amount of the suspected error. If you felt PSECU oraly, you must send your complaint or question in writing within 10 business days. PSECU will tell you the results of the investigation within 10 business days for STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE TELEPHONE, or DIRECT DEBIT/CREDIT TRANSACTIONS, or 20 days for STAR SYSTEMS purchase transactions. It we need more time, however, we may take up to 45 days for STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE TELEPHONE, or DIRECT DEBIT/CREDIT TRANSACTIONS or 90 days for STAR SYSTEMS purchase transactions. If PSECU decides to do this, it will recredit your account within 10 business tlays for the amount you think fs in error if it is a STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE TELEPHONE, of DIRECT DEBIT/CREDIT transaction, or 20 business days if h is a STAR SYSTEMS purchase transaction. You wilt have the use of the money during the time h takes to complete the investigation. H PSECU does not receive your complaint or question in writing witt>;n 10 business days, PSECU may not recrekilt your account. I} PSECU decides there is no error, you wip be advised within three business days after the investigation is completed. You may ask for copies of the documents PSECU used in the investigation. If PSECU credits your account wnlle investigating, you must repay those funds if PSECU concludes no error has oxurred. 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 total network used in processing the transaction (and you may t>e charged a fee for a balance inquiry even it you do not complete a fund transfer). The ATM surcharge will be debited from your akxount 'rf you elect to complete the lransactlon. Notice To Consumers Using ATM's • Be alert to your surroundings. ii you doubt the safety of a particular location, choose another ATM. • tf the ATM has an entry door, close the door prior to initiating your transaction. • Put your cash away immediately. • Direct complaints concerning ATM security to an approprate department of the owner at the ATM. New Jersey residents: you may call the New Jersey Department of Banking at (609) 292-7272. For those members who purchase a vehicle under the DRIV Program, please review the following FTC Notice: NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINSTTHE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 3~S 3"3pQ~ O lj m ~3 ~~~T ~~ C ~~~ 9 ^$ ad~ ~ 8 g¢~ 7 Y d~ 3 g~ ^ ~. • ~3 a 3 o ~ ~ ° ~ ~• 3 o yy $.~~Y f'yp O C ,~ a $S S ~~~ a S .~H^ ' D p A i E$ ~ ~ ~ a ZC !;~°c ° r °~ $ ~ 3 3 Yr 3~ 2532525~° Q 5~ 8255' QQ55~~55~~ ~52525~ ~ ~~~8~~ ~ 07 r o 3 q A r ~ _ O A u ~]Qy < ~ < < Y C Y Y < S it A ~l ~ ~l 6611 A~ N <vs< _ b C y ~ d n. M ~ n 7 if ~ N ./~ • ;~ q q_ O a i ~ i .3 u N a N~ 3 4 8 4° R 3~ m ~ 4 °- 3° 3 u 3 va ~ a n pQR Z 25 25 2S m a m° n n g ~ y a; d°~~ n ~ G~ r . ~ w ~ n )3 !4 ~ V g ~ N 333 y ~ 9 ~~ ~ we n. eeo~ i3C&Sw'!$Co 3'KRS~Ro ' ~ & -~ M ~ D ~ N G NNN O G G N G '0.Q A x p g p~ yy~~ y~ n a ~ ~. ~f. }~.. a n ~ .o 'o ~¢ NNN N 4iOS W -! a N{PO W ~- -i-N~ ; A ! n o ~ T ~. p ' NTi ;• a~ ~g~ ~~~N N MNNN N4IN ^ a v ~NN NI~ ~ P i aa WN!d~ 4srOS =~ i {{~~ p{y~i pp1 i.~OO4tN r.~r.~~W }N}y,~ ~. pr. .a..~ I~BDa W1N S"~ 3 ~~ 'O p P M ~~ ~ g3 4 ?, ~S~ ~~~$~~~~~~3 a a~ oooeoooooo-,L ~. g~asssas~asst~ yyiiuavaeo~~ • o~~ ~~~~~~~~'~~ ~~ $~$ 88888$'$888 ~~ "' . ~ ~ ~~ ~a$~~~~~~~~ ~~ 3 '~ ~. Nv d ~'3 03"8'0'~503'$~8~ ~~ a ~~ 4~ sn 3 rp s~ w CQQ~QQN W QQa gqNQQvO;S5~O~rp O S 2525~25~525~~25-' g 000ooooocogo $sasaroa'as~~ d g~Qv}w~aoq.pQUppgvo~8oo8QOei 3 rj a~ Q~ Q~ p G~ O 88$8$8888 ~ 0 O p. 66__ pp_..m_``,~~'O~ e O OO Opi~OOSLS; _ a S ~ o c~ r ^ ~ e o' ~ a Soo~~`:5~o~g~ 's _ J° 3 ° 4..eC J . ] o e c ~ ~ ~ 3 '~= ~ Tai ° ~ = _ c~ . ~ S a~ c 3 ~ ° < 1a~~~~ N ~ S ~ s~ 8~ 7 A R'` d;o33 3 ~ ~ $ 3 S ;gF ~ ^ S ~~~ ~ 3 ° ~;8 ~ a ~3~a~. ~ ° ~ ~° ~ ~ o ~ ~ p 444T ~ ,9] g ~ T 1 ~S @Q y s ~ ~ ~ n ~ ~ 3 : s 3 ~~~ ~~ 0 ~ g ~ $c~~ o ~ ~ 3 g~A~ ~ B ~ ~a ~ ~~ ~ 0 ~ ~ ~~¢~ a L ~ x ~~' ~~' g n ~ ~~~~~ a ~ ~a e ~ T i 3, ^ 3 4 ~ d ~ a s N,M ~ C ~ a S~ ~ S w 3 ~ ° ere a ~ $ a- ~a P F 3t~ r ~_Q t m .° mj~~~~,~ o e g.p ~ ~~~. .~~c tl~i ~S$~ 2S~c~~'~a c ~' ^'tP ~ x ~°~c a gp ~g a' ~~ ^3 S~ ~, 'b' 9~ ~ a a~'~?~ <~'~33 g~~3x~i~ 1 R~~Q`naQ.~ ~~R ~~ 84 3ac~s sE. ~~~~*~ug3 !^Y 'i t a ¢ o o n< °~ i 3~ c~ 8 0 ~~~f~Q ~~$ a C~ ~O ~Qb :-y~~~g i~~~. Q~k~ ~~~~F ~~ ~~ g ~ ~ ~ ~ ~' a $ ~ ~ Q Z ~ o a ~ p ^ a a " I ~c O e ~ G a ,,, a. - = 4 ; 0 R S ~ 3 ~ ~ g ~ c b .. .. ~j ~ ~ Q ~ 735' o9 L Q s'~8 m e g rm ~-~ b O O ~ ~ ~ r' ~a^sa ~ 8~i ~ Spa? $ ?~ 8Ao-~ n Rv~ 4 ~ ~ Q C ~: ~ ~ ~ ~ a R ° -i ~ (_ ~. ~. ~ p ~ raj ~ t "?y p aa4 3 ~ tR i~' a ~. _3 a ~ f0 ~ i a ~ ~L ~- n ~ ~_ e O Tg ~3~ ~ O q i a'~°S~v -; 83'° ~- Oa~~'~ s 3 c ~o ° ' v `°.~ - ~" a=~c ' - -i 3_t3 s3a ~ .. 3 ...v. Ir' iD Z r /~m ~9 a t!. b ay 4a~ y • Q i ~~ WNNNNN VNNNN^ -~-~--~~-» ~~_~~ODV PUA WNW ? ~ S3 T~ O 3 ~00 3 C ~'~'F, ~ ~ ~ j C C~ O~OODVPIJ~ AWN~O~O O~VPUAW N-~O ~ 7 Vy, w ro .< n ? ° .e ? o N 3 c n 4 n (1:' f ~ p C T e d S. ; D E 000000 0000oO 000000 000000 000000 0 ~~3~cb3 `'^~~JUQ34O >>3 NNNNNN NWfd W(.tW WWWW(,,~A AAAAUU NUU00O ~ ~ ~ ° "~ ~'D'a'~~ 2 ~~ - 1~~ f ~ E PPVVO~OD ~OOO~NW ACNPV~00 NANODOW VPW000 O ^m ~a n~ 3 vT~S > = ~ ~ O ii ~=~ j ~V-~N--~O° ln-~WV1~A P>LOONP N~O0°OVV ~ON~00O0 f ry m C~ ~Cw i n n ° Q. D 9- 0 AOW~OVN OW W~NP O)QIWA ADO AvVAON PVUO00 3 c -~ ~ ~ n °!J`D o' ~ ~.y~, ~ w M O a ~ ~ ~ J, n_~ ~4c ~ TgpO ~ ~ ° ~ ~ K O w 7 'g~^~wn n'~N,. 3;.:pg~sw ."iii OV~VPN OWN~O~O mVPUa[A.1 N~O~OWV PU+A fWJNW ~+ ~ pa'~` oK ~ r~p~ Oj O ~ ~ ~ Q IISS ~ oN< g -g ~ W x sR ~,= Aa ~ ~ ~ ]CWy~O~ f GON 000000 000000 000000 000000 000000 m 4 O„ y tpa~ ON_OK O~ g ~ ' ODOD ODODQf OD ~O ~O ~O ~O ~0O OOOON~ NNNNWW Wa AACnU n ~~0 9 ~~ ~vQ ~ 8~ ~~ ~ ONWUVOD -+WaPO°-~ NU~V~ONN ODOWPON POa V--~O ~ a °' 3'~ 2T sa v~g g`Y~ ~O ~ n ~OmVO°°°~O OA VPNN O~PA~O ITN OWAOON V°D W~Od-~ _ 8~ j. a,0 ~ 3 ~V~O-_ ~ S ~ °~ c c~ n y~ r~~ S i o gNOa-~ S~>N~aN~ • g°n a ~OODOO0°0~0° OmOD O°ODV VVVV VV VVVPPP PPPPPP ~ ^ ° ° g~ O.-.o 2'" ~ c O~OO~VPU AWN-r0~0 O~VPNAW N-~O~OODV PC^OWN-~ TB ~.° ~ o o c N• ~aM ~ ~ °~ Q~ 8 O T M z ~= ~ 'ago^~~ g<4 nm y i 000000 000000 000000 000000 OOOCOO~~jyp r1 03°0~ Q `^n3"3? S AA(^NNf,l~ 4flNU~NUN NPPP PP PPO~PVV VVVVVV FI C ° ~~ ^~ ~ ~ 3 ~3 ~"~3 ~ `O~OO~NW WAtJ~O~Vao ~00-°N WA IJ~P O°~Opp~ WANPOO~0 ~ c ~ _K 8 ~ a o ~' g~c ~ WO]VA~O ~ONPUWW WNWA WU1 aoV~NOP ONWPW^ ~ o;:S g ° ~ ~ ;~ p~-mow ~ a°~5~8 ma3°g $~ 8 2 ~~~S.wo qE?S~="Sga~o ~ N~~~-'-~ ~~~-~p 000000 OOO~O~oV PNd WN~ ~ O ~~~~ ~~ '. O_g'~ ~~r a'O O~OODVPf^ AWN-~O VPNAW N~ p a O l "~ ~'., n D ~j~ pooooo 000000 000000 000000 000000 re7 ~d~o~ ^~ga~g wi~wcaww wrrwwwi~ wwwwwa a_ia~ z ~' ~i ~•~ ` ~~' ~ NNWWA A{Ji (J~PPV VVOD`O~00 NNfAJa ANPpA~OAo OaD ~ R 5p~~~ O~OVWPN VNUNUO U~OV~PN -~ODNOOOON WAOOOOCn a 6 o a~ 3 $' ^ g3g$ 7~ m ~~ e m an`~--'4-g Qd 3'.3 ~• ~ m833~ T~@»~~Q ,. cc$ ~ N ~-. ~ agofi'~^S ^~ ~a~~ s T ~~}~p SNN30 vQN7 ~" gw~~~~~- r,~ a. o o4,e~ ~ ~°~~3,~~3 uo ,'~ ~ °'3 ~`~ aSe g~g Q c o=A•°-g ° p n A~, <w~~ ~ a~3 ~~~ ~ =c ==° ~; m o ~• .- _ m ~ ~ ° Q 3 fl ~ (~ H ~^ s w m ~~op° m n. ^ n: -+ 3 ~ ~' ~-. ~ .~~. ° m c ~. ~ ~ ~ ~ o ~ n ~ ~ j 3 g A 4 m ,~ ? '. 3 A~ ^~ O° O m S°> 7 N u ~, C rn C~ !~ $, •,°~ rn n t° S o-~~~m~n~O^gmmm9e >;O~~O~~~ «~n()oanr^=O=~c;; '°' f^,S r i > > g $ Q~ w ~. ~. ? ~ ~ a n n ~ '. ~- ~ ~ ~ ~ ^ ~, o ~ j ~ •~° pip p Q ~ C O' NO ~ °- o O `• ~ ~, a 4 ~ ~,o c a3 c ~ag o "~~ g,< A ~ o~~ 3 ~ 1~~c in~ ~ ~m~a'm~ m ~3 3 0~ ac m~ ,y3 ~ ~.~ ~ gn vo m TC..° 3•u $ ~ 3 n o~ 3 _ < a .~ ~ F " a a D A _m ~ m w ~~ ~ ;o m o _~ m o° o m m +e- n ~_, 3 o i :~ y _ o ~ m 7 °_ '~ ~ `~~~ `~ m smt0 ~ n m ~O3 ? c Sim ? m k-- ~ . •• r n ~ ~ ~ o x a ~ 3 ~' c n g x. ~ o ~ c w g > ; ? ` w ~. p ~ $ o o. ~ ~ o.~.~~°mmm~nm~ S~~v~<s 30 3 ~O ~~ ~ o'S.sr1~ ^m $ ~ c ~ m ~ypm m ~°.~ R...~'m o A <~ 0 5'~v °O aa° To _ t~ ~ C tG ~^ S n Fi ~ ~'° Cl ~~ T m f m° x 7° W A ~ O IC m C d A ee O a a c p ~~ „t•;;., ,- N °,cS omg°A'~n.°-m~_~'^n~NWV~c~'~m~ 3~o vH~m' .i- :_ - T g ? m ~ ;; ''° ° m ,~ g a o M m ° x. m ~n Q a. e 3 ~ . o ° o_, g °. o ,._. -~~ ~ m s 3- E o n o'm•3•? ~y ° 3.c ~ ~ n°-?< '" ° an ~3-~ c o o e~ it ~ ~~ n (1° ~ ~ E.~ ~? ~W ~ m ~ n m ~ ~ si Cm ~ ` ~g m ~`° ~ ~ m i° 7 c m ° -i. ~ g ~~ ~Y y~mr°.2.°' 7 0 3 ~ ° ~'m ° 3 0 ~ m1° m s< ~ m ^^ H `='.~~, ~ o $ o ~ o -0 3• m o o co o w~ A~ n~ a 3. '`-' s o H 3 ° m p ,,g- °~~ ~'° _ c .o c ac ~ ~am n ~ o 0 o am.o ~ c ~.v~ ~ A 1D?~o ~ o s a ~. ~ o ° ~. ~ o' ~ ? ` o n 3 n ° ° T ° 3 m _~• f 3• f1 ~ c ~ m c :~ o 'o` m~aTQ'"~.mn'3 !1 m°Tm~ma ~~~c c3<omo%o 03 n 7 D 7 0°~ C m 7 D~ O °~ d0 N~ H ~. T' n O~ C° ~ D C z ~ ~"~^~C~n.~~_co ` o_o~'~„`•' 00'°0? 'oW~m °-moo? ~~ ~ SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff ~4~~,tp of ~~c~~,rr/,~~~ ~~~, ~ ~ ' °:`~ ~{ ;~° , ~ ~ ~~~ .~ ~I~E~^f ES"ERIFF ~,-, ; •,,., ~nt~ ,: ~G ~ Pwt t :5y L~ ~, •.. 'Y ,i, Jody S Smith Chief Deputy Richard W Stewart Solicitor Pennsylvania State Employees Credit Union vs. I Case Number Camillah A. Johnson-Hicklen 2008-3618 SHERIFF'S RETURN OF SERVICE 07/26/2010 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Camillah A. Johnson-Hickle, but was unable to locate her in his bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant Camilah A. Johnson-Hickle. Request for service at 126 N. Pitt Street, Carlisle, PA 17013 is occupied by a new tenant and they do not know the defendant Camilah A. Johnson-Hickle. To date The Carlisle Postmaster does not have a good forwarding address for Camilah A. Johnson-Hickle. SHERIFF COST: $38.40 July 26, 2010 SO ANSWERS, RON R ANDERSON, SHERIFF (c) CountySuite Sheriff, Teleosoft, Inc. 08-3618 BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff v. CAMILLAH A. JOHNSON-HICKLEN, Defendant Attorneys for Plaintiff Pennsylvania State Employees Credit Union IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW No. 08-3618 PRAECIPE TO REINSTATE COMPLAINT TO THE PROTHONOTARY: Please reinstate the Complaint in the above-captioned action. BARLEY SNYDER LLC Shawn 1~YLong, esquire ~'~ Atto eys for Plaintiff Pennsylvania State Employees Court I.D. No. 83774 f 126 E. King Street Lancaster, PA 17602 717.299.5201 t Union 2949054.1 08-3618 _.: ;. ~~ ,, . - .- f `` BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 / / ru^/~r~/ i ' r. ~ •.,. f ~ ;' 1~~.~~v~~. _ _ .,'~., ~ ,`; Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff v. CAMILLAH A. JOHNSON-HICKLEN, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW No. 08-3618 PRAECIPE TO REINSTATE COMPLAINT TO THE PROTHONOTARY: Please reinstate the Complaint in the above-captioned action. BARLEY SNYDER LLC $liawn M. Long, Esquire Attorne}'s ,.~r Plaintiff Pennsylvania State Empl Court LD. Flo. 83774 126 E. King Street ~ Lancaster. 1'A 17602 717.299.5? O1 Credit Union 0 *Io•oo Pb Arn Cf~ 4a437S ~~ a~/lo.SnO 2949054.1 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson ~~~~~~ Sheriff ~~ ~~- , :,'? . ~,~,~, ~~~ 4~ttitp ofi ~ua~G~p~h Jody S Smith ~' , ~ ~ a ~ ~ , . ~ d ~~ ~2: ~~' Chief Deputy '~~ , ~. ~ ;~ ~ ~ ~ , Richard W Stewart '- ~~ ~~,y~~~;~~,,~;;•~(~ Solicitor F=~~ ~ = r~~ ~~~Ri~~ ~~~~} Pennsylvania State Employees Credit Union vs. Case Number Camillah A. Johnson-Hicklen 2008-3618 SHERIFF'S RETURN OF SERVICE 08/27/2010 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Camillah A. Johnson-Hickle, but was unable to locate her in his bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant Camillah A. Johnson-Hickle. Request for service at 7 Pine Road, Apartment 607, Mount Holly Springs, PA 17065 the defendant was not found. On August 16, 2010 The Mount Holly Springs Postmaster advised Camillah A. Johnson-Hickle's new address was 1414 Bradley Drive, Apartment 312, Carlisle, PA 17013. However, current resident informed Deputies Camilah A. Johnson-Hickle has moved approximately two months ago. The Carlisle Postmaster has confirmed, Camillah A. Johnson-Hickle has moved and left no forwarding address. SHERIFF COST: $44.70 August 27, 2010 SO ANSWERS, RON R ANDERSON, SHERIFF {c) CountySuite Sheriff. Teleosoff, Inc. 08-3618 Ar11? 19 FEB 16 'UmBERLA D COUNT?? MWSYL.VAN1A BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 Attorneys for Plaintiff (717) 299-5201 Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW V. No. 08-3618 CAMILLAH A. JOHNSON-HICKLEN, Defendant PRAECIPE TO REINSTATE COMPLAINT TO THE PROTHONOTARY: Please reinstate the Complaint in the above-captioned action. BARLEY SNYDER LLC Shawn 16L Long, Esquire Attorneys for Plaintiff Pennsylvania State Emq Court I.D. No. 83774 126 E. King Street Lancaster, PA 17602 717.299.5201 2949054.1 Credit Union C) ?a w4' I lot amass 383 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Syr of ??tu+GcrL?? . , 4 Jody S Smith Chief Deputy Richard W Stewart n,a Solicitor OFFICE Tt-` ??t* ! Pennsylvania State Employees Credit Union I Case Number vs. Camillah Akea Johnson-Hicklen 2008-3618 SHERIFF'S RETURN OF SERVICE 02/28/2011 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Camillah Akea Johnson-Hicklen, but was unable to locate her in his bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant Camillah Akea Johnson-Hicklen. Request for service at 600 N. Baltimore Avenue, Apartment G, Mount Holly Springs, Pennsylvania 17065 the defendant was not found. Per phone call with the defendant she advised Deputies she is currently in Atlanta, Georgia. SHERIFF COST: $45.60 SO ANSWERS, t t'" February 28, 2011 RON R ANDERSON, SHERIFF .. ,nur,ySuite Shen'f, fE2c.=„`t, Ir,;:. 08-3618 1 HE PROTHONOTAR'i 2011 LIAR 10 AN It: 30 CUMBERLAND COUNTY PENNSYLVANIA BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 Attorneys for Plaintiff (717) 299-5201 Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW V. No. 08-3618 CAMILLAH A. JOHNSON-HICKLEN, Defendant MOTION OF PENNSYLVANIA STATE EMPLOYEES CREDIT UNION FOR ER OF COURT PA.R.C.P. 430(a AND NOW, comes the P?aintiff, Pennsylvania State Employees Credit Union, by and through its attorneys, Barley Snyder LLC, Esquires and moves your Honorable Court, pursuant to Pa. R.C.P. 430(a), for a special order directing service of process, default notice, and writ of execution notices, if necessary, upon Defendant by publication in accordance with Pa. R.C.P. 430, as follows: 1. On June 17, 2008, the Plaintiff filed its Complaint against the Defendant. A true and, correct copy of the Complaint is attached hereto, made a part hereof and marked Exhibit «A„ 2. On or about June 6, 2008, the Sheriff of Cumberland County attempted service at 7 Pine Street, Mt. Holly Springs, PA 17065 and returned the Return of Service to Plaintiff 3152483-1 08-3618 indicated "Per Mother, Defendant no longer lives at this address. No forwarding on file at Post Office." A true and correct copy! of the Return of Service is attached hereto, made a part hereof and marked Exhibit "B". 3. On June 29, 2010 Plaintiff performed an Accurint search on www.Accurint.com. The address listed on the Accurinh search is 126 N. Pitt Street, Carlisle, PA 17013. A true and correct copy of the Accurint Seamh is attached hereto, made a part hereof and marked Exhibit «U, 4. On or about July 1, 2010, the Plaintiff reinstated the Complaint. A true and correct copy of the reinstated Complaint is attached hereto, made a part hereof and marked Exhibit "D". 5. On or about July 46, 2010, the Sheriff of Cumberland County attempted service at 126 N. Pitt Street, Carlisle, PA 1'013 and returned the Return of Service to Plaintiff indicated "...126 N. Pitt Street, Carlisle, P? 17013 is occupied by a new tenant and they do not know the defendant Camillah A. Johnson-oicklen. To date the Carlisle Postmaster does not have a good forwarding address for Camillah ?A. Johnson-Hicklen." A true and correct copy of the Return of Service is attached hereto, made part hereof and marked Exhibit "E". 6. On or before August 10, 2010, Plaintiff performed an Accurint search on www.Accurint.com. The Holly Springs, PA 17065. 7. On or about A correct copy of the reinstated Exhibit "F". listed on the Accurint search is 7 Pine Road Apt 607, Mt. 10, 2010, the Plaintiff reinstated the Complaint. A true and int is attached hereto, made a part hereof and marked 3152483-1 08-3618 8. On or about Auguist 27, 2010, the Sheriff of Cumberland County attempted service at 7 Pine Road Apt 607, Mt. Holly Springs, PA 17065 and returned the Return of Service to Plaintiff indicated "...7 Pine Road Apt 607, Mt. Holly Springs, PA 17065 the defendant was not found. On August 16, 2010 t1he Mount Holly Springs Postmaster advised Camillah A. Johnson-Hicklen's new address Was 1414 Bradley Drive Apt 312, Carlisle, PA 17013. However current resident informed Deputi?s Camillah A. Johnson-Hicklen has moved approximately two months ago. The Carlisle Postm*ster has confirmed, Camillah A. Johnson-Hicklen has moved and left no forwarding address." I,A true and correct copy of the Return of Service is attached hereto, made a part hereof and m?rked Exhibit "G". 9. On February 8, 20111, Plaintiff performed an Accurint search on www.Accurint.com. The addres4es listed on the Accurint search are 126 N. Pitt Street, Carlisle, i PA 17013 and 600 N. Baltimore Ave. Apt G, Mount Holly, PA 17065. A true and correct copy of the Accurint Search is attached hereto, made a part hereof and marked Exhibit "H". 10. On or about February 18, 2011, the Plaintiff reinstated the Complaint. A true and correct copy of the reinstated Coif plaint is attached hereto, made a part hereof and marked Exhibit "I". 11. On or about February 28, 2011, the Sheriff of Cumberland County attempted service at 600 N. Baltimore Ave. ;Apt G, Mount Holly, PA 17065 and returned the Return of Service to Plaintiff indicated "...4t 600 N. Baltimore Ave. Apt G, Mount Holly, PA 17065 the defendant was not found. Per currently in Atlanta, Georgia" A hereto, made a part hereof and call with the defendant she advised Deputies she is and correct copy of the Return of Service is attached Exhibit "J". 3152483-1 08-3618 12. On March 3, 2011; Plaintiff performed an Accurint search on www.Accurint.com. The address listed on the Accurir?t search is 126 N. Pitt Street, Carlisle, PA 17013. A true and correct copy of the Accurint Search is attached hereto, made a part hereof and marked Exhibit «K„ 13. Plaintiff believes and therefore avers that the reasonable method, under the circumstances, is to serve all pleadings, including service of process, default notice, writ of execution and notices of sale upon the Defendant, if necessary, by publication. 14. The Plaintiff will suffer irreparable harm and injury if the Plaintiff is not allowed to effect alternate service of the process, default notice, writ of execution and notices of sale, if necessary, upon the Defendants, under Pa.R.C.P. 430, by publication, under Pa.R.C.P.430. WHEREFORE, the Plaintiff, Pennsylvania State Employees Credit Union, prays your Honorable Court to enter an Order authorizing service of process, default notice, writ of execution and notices of sale, if necessary, in the within matter upon the Defendant, Camillah A. Johnson-Hicklen, by publication in accordance with Pa. R.C.P. 430(b)(1). BARLEY SNYDER LLC Date: By: Shawn M. Long, quire Attorneys for Pl ntiff Pennsylvania S ate Employees Credit Union Court I.D. No 83774 126 East King Street Lancaster, PA 17602-2893 717-299-5201 3152483-1 EXHIBIT "A" IN T COURT OF COMMON PLEAS CUMBERLAND COUNTY PENNSYLVANIA PENNSYLVANIA STATE EWLOYEES NO. 08 -3&(8 Civil [erM CREDIT UNION, Plaintiff VS. CAMILLAH A. JOHNSON-MqE LEN o Defendant CIVIL ACTION -LAW NOTICE TO DEFEND Pujrsuant to PA RCP No. 1018.1 You have been sued in court. If you wish to defend against the claims set forty in tie following. pages, you must take action within twenty (20) days after the Complaint and notice are served, by entering a written appeOrance 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 TH?S 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 YOIU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CAN NOT AFFO" TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE IPERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Assoication 32 S. Bedford Street Carlisle, PA 17013 (717)249-3168 1-800-990-9108 Document #: 180057:1 TRUE COPY RROM RECORD M Testimony where , here unto set my hand and 0* se, of saki at cwnsie, Pa, Thie-J-'Z- a dayOf?.20 JIB EN LA -CORTE DE ALEG?TOS COM UN DEL CONDADO DE CUMBERLAND, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES : NO. CREDIT UNION, Plaintiff VS. CAMILLAH A. JOHNSON-HICKLEN 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 objecienes a las demandas puestas en contra u?ted. Usted es advertido que si falla de hacerlo el caso puede proceder sin usted y un jazgamienjo puede ser entrado contra usted por la Corte sin mas aviso por cualquier dinero reclamado en ila Demanda o por cualquier otro reclamo o alivio solicitado por Demandante. Ustedpuede perder dinero o propiedad o otros derechos importante pars usted. USTED DEBE LLEVAR STE 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 INFORMACI6N 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. Cwunberland County Bar Assoication 32 S. Bedford Street Carlisle, PA 17013 (717)249-3168 1-800-990-9108 Document #_ 18oo57.1 R IN =COURT OF COMMON PLEAS CUMBE COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES NO. CREDIT UNION, Plaintiff VS. CAMILLAH A. JOHNSON-HICKLEN Defendant CIVIL ACTION -LAW COMPLAINT AND NOW, comes Plai?tiff, 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, Camillah A. Johnson-Hicklen, is an adult individual with a last known address of 7 Pine Road, Apt. 607, Mt. Holly Springs, PA 17065-1936. 3. Defendant is, and at all relevant times material hereto has been, the primary loan applicant. 4. Defendant applied vehicle. 5. The loan annlicati Defendant signed a Loanliner and correct copy of said herein and marked as Exhibit "A". Document #: 180057.1 Plaintiff for a loan for the purpose of purchasing a motor submitted by Defendant was approved by Plaintiff and Proceeds Check for the purchase of the vehicle. A true Advance Proceeds Check is attached hereto, incorporated b. Pursuant to the Loanliner Advance Proceeds Check marked as Exhibit "A", Defendant agreed to the terms and conditions of -the extension of credit as set forth in the Loanliner Credit and Security Agreement (hereinafter referred to as "Contract"). A true and correct copy of the Loanliner Credit and Security Agreement is attached hereto, incorporated herein and marked as Exhibit `B". 7. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms and conditions of the Contract marked as Exhibit "B". 8. Various charges and payments were made by Defendant on the account. 9. Plaintiff provided letter to Defendant stating that the vehicle purchased by Defendant was deemed repossessed. The letter further advises Defendant that unless payment in full was made on the outstanding loan balance, the said vehicle would be sold at a public sale and Defendant will be responsible for any resulting deficiency. 10. As a result of Defendant's failure to cure the default in payment, and pursuant to state law remedies, Plaintiff sold tho vehicle at public sale: 11. Plaintiff provided a letter to Defendant indicating that there was a resulting deficiency after the sale of the vehicle. 12. Plaintiff has maintained a statement of account keeping an accurate and running amount of debits and credits made on Defendant's account. 13. Plaintiff has submitt?d to Defendant a copy of the statement of account accurately showing all debits and credits for transactions with Defendant. 14. Defendant has not of jected to any of the monthly statements of account submitted by Plaintiff to Defendant. Document #: 180057.1 15. Despite Plaintiff's reasonable and repeated demands for payment, Defendant has failed, refused and continues to reftise to pay all sums due and owing on Defendant's loan account balance, all to the damagd of Plaintiff. 16. As of June 13, 208, the balance due, owing and unpaid on Defendant's loan account with Plaintiff is -the sum of Eight Thousand Four Hundred Thirty=Nine Dollars and 22/100 ($8,439.22). 17. Pursuant to the te* and conditions of the extension of credit contained in the Contract, Plaintiff is entitled to recOve and Defendant agreed to pay an annual interest charge on the principal loan balance. 18. Due, to the default of the Defendant and pursuant to the terms and conditions of the Contract attached as Exhibit 1B", attorney's fees in the total amount of One Thousand Seven Hundred Twelve Dollars and 84/1010 ($1,712.84) have been added to the account. 19. Any and all conditions precedent to the bringing of this action has been performed by Plaintiff. 20. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. Document #: 180057.1 YffMR.EFORE, Plaintif? Pennsylvania State Employees Credit Union, respectfully requests this. Honorable Court to enter judgment in favor of Plaintiff and against Defendant, Camillah A. Johnson-Hicklen, in the amount of Ten Thousand One Hundred Fifty-Two.Dollars and 06/100 ($10,152.06), plus interest, the costs of this action, and such other relief as the Court deems just and proper. Respectfully submitted, VAN ECK & VAN ECK, P.C. By: Melissa L. Van Eck, Esquire Attorney I.D. No. 85869 P.O. Box 6662 Harrisburg, PA 17112 717.540.5406 Document #: 180057.1 VERIFICATION I, Gregory R. Diffenderfer,Manager of the Pennsylvania State'Employees Credit Union verify that the statements made in the aforegoing document are true and correct. I understand that false statements herein are ma4e subject to the penalties of 18 Pa.C.S. §4904, relating to unworn falsification to authorities. Pennsylvania State Employees Credit Union By: Title: ??_ Date:_ lQ "?Q- V 0 Eff «A?, } f bkil)M?? ADVANCE PROCEEDS VOUCHER AND SECURITY AGREEMENT CAMILLAH JOHNSON-HICIMM 126 N PITT ST -F PA 17013-2333 ( CF:AN$AC:I3gtd ¢ TYPE 1_ ? /tE1NtlOtltl ` YOU HAVE PRE-1ROUSlY _ J ? {NSINIFD YY1TH 7HE FOLL0INR/0. . :DAILY PERIODIC RATE A 4=FQ (CHANGE Fh2'EPMS ONLY) 0 5`41 PAYMENT .35 5/22 --- --- ------ U7THHS M A HOME ? nr ? xdn- a ,, 1.. a 4tt 7At? ?4, n!..?;a!ira tha nV {>thQ?' g?riOlt EJV? Pemsyhranla State Empbyees Cred! Urdon P 0. Boot 67013 p9mr HardsWra. PA 17106-7013 (717) 234.8464 the flni ljnkTM (800) 237-7328 4/22/200 8304068714 / L10 443967 + ealer Purchase COLL VVF i Ff rm1iSs-E iL 1 N© WB?u NO'OX YES Q PFIE 10US BALANCE NEW BALINCE +D?n 1 17,835. 0.00 17,835.00 Jmt F:alnTIFAOIOV.RF 1rE 70:. OW PRO@Et;T1C - E .... RSBCL?S ACCO 2002 1HG0332752A02839 CPE 17,835.00 IFS ANWOR DEPOS(S OF $ IN ACCOUNT NUMBER - ?_AYJMBER PAY0FF +Mp OLD ADANNUMBER ti9fOtrFFRM'IR+WM 0tDAO0OUFTAANNNINIIBER PAVOW +INL) t IMBER PNVOFF(PFMNG+MriJ OLD NwatER (E)FWWOW(PRINQ.+ OIDACCOUPMLOANNUMBER F)FWMFF PRFNC.+INT) yro(:eeds or by. w ft ttm funds advanced d .deposited lift your ameMm Braila you agree (1) that_ the property referenced dov mnce arxt arty 49hw aduaucmywt l?m nts YOU owe us for any reason now or i e or r 4i ff?e /ubA+B. Medw do Lam' Qvm wW sam Agreement pm P(an) and f n the terms of the Pten. uhue b) accordance with the wms of the plan m1d CSI to make payments as d6ciosed above in rm.ete?,es,?.s?,?am4m.otulxFexrsnFSeweo I ' a - - ....a.,1 ..wn.vnmw7ly ;vXJlWl00-l o3/-MW-1 ("4) Ism A klkl=n SECURITY AGREEMENT In this agreement all references to Credit Union, we, our, or usimeans Pennsylvania registration fees) due on the propertyState Employees Credit Union and arryone to whom the Credit Uni assigns the Credit Agreement which wig be referred to as the Plan. All ieferenccs to you, your, and If you do not pay the taxes or fees on the property when due or keep it insured, we may borrower mean each person who signs this agreement All refs to the advance pay these obligations, but we are not required to do so. Any money we spend-for taxes, mean the amount in the box labeled Amount Advanced. This is a ulti-state document fees or insurance will be added LD the unpaid balance of the advance and you will pay which maybe used t_o lend to borrowers in all states except Louisiana and Wisconsin. Inreceive terest ? those amounts at the same rate you agreed to pay on the advance. We may 1. THE SECURITY FOR THE LOAN - By signing this secu ' agreement in the uuurancep Wei pion With the insurance from a company g which wwhethe provides the signature area or under the statement referring to this agreement vhtch is on the back other borrowers may have monitorour with. th I u?? requirements f ou ayou nd of the check you receive for the advance,. you give us what is own as a security or may engage others to do so. The insurance charge added to the advance interest in the property described in the Security Offered section 3n the reverse side. (1) the insurance com may Induce The security Interest you give includes all accessions. Accessions ire things which are with the insurance requi mew If we add amounts for taxes, fees oriInsurance tcompliance attached to or installed in the property now or in the future. The s urity interest also unpaid balance of the advance, we o the Includes any replacements for the property which you buy within 10 d ? of the added within the may increase your payments d pay the amount advance or any extensions, renewals or refinancings of the a berm of ? insurance or approximate tens of the advance. any money you receive from sel the dvarke. It also includes B, NOTICE- If you do not purchase the required property Insurance, the insurance 9 property or from Insurance you have on the we may purchase and charge you for wig cover only our interest in the property. The property. If the value of the property declines, you promise to givi us more property Insurance will not be liabil' as security if asked to do so. rty insurance and will not satisfy any state financial 2. WHAT THE SECURITY INTEREST COVERS -The security Interest secures the responsibility or no faun laws. advance and any extensions, renewals or refinancings of the advar, . It also secures 9. DULT -You will be to default if you break any promise you make under this any other advances you have now or receive in the future under the Ian and any other agreement. You will also be in defaultrf you are in default under the Plank If you are amounts or loans, including any credit card loan., you owe us for pledging properly, but have not signed the Plan, you will be in default If anyone is in in the future, except any loan secured ny reason now or default who has signed the Plari. by your principal residence4 If the property is 10WHAT HAPPENS IF YOU ARE IN DEFAULT - The followin 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. to borrowers In Colorado, District of Columbia, lawa9 pis b Mafaes 3. OWNERSHIP OF THE PROPERTY -You promise that you own the Massachusetts, )Wssourl, Nebraska, Soulh Carolina and West V-rff I inia: When you If this advance is to b the property or are In default and after expiration of any right you have under applicable state law to uY property, you promise you will use the advance for that cure your default, we can require immediate payment of your outstanding balance 3urpose. You promise that no one else has any interest in or Maim against the under the Plan without giving you advance notice. property that you have not already told us about Ydu promise not to sell or lease the properly or to use it as security for a loan with another creditor until the advance is The fallowing paragraph applies to borrowers in a!/other states: When you. are In hpaid. You promise you will allow no other security interest or liero to attach to the default, we can require immediate payment (acceleration) of what you owe under the property either by your actions or by operation of law. Plan and take possession o the property. You waive arty right you have to demand for . PROTECTING THE SECURITY INTEREST - If your state issu a title for the payment, notice of intent to akxelerate and notice of acceleration. Iropsrty, you promise to have our security interest shown on the tide, We may have The following paragraphs apply to all borrowers: ? file what is called a financing statement to protect our security , rest from the You agree the Credit Union has the right to take possession of the property without ) f Wms ile of others; If l asked to n so, you promise to sign a nnanty statement You judicial process If this can be done without breach of the Iso promise to do whatever else we think is necessary to protect ourlsecurity interest to deliver the property at a time and place we choose. Weew peace. nowbresponsible fo i the property. You promise to pay all costs, including but not limited to any attorney a or to ny other property not covered by this agreement that you leave inside the property es, we incur in protecting our security interest and rights in the property, to the it ? is attached to the property. We will try to return that property to you or make d;rnt Permitted by appfrcable law. it available to you to claim. USE m PROPERTY -Until the advance has been paid off, you promise ' you will: After we have possession of the property, we can sell it and apply the money to any ) Use the property carefully and keep ait in dvance has cod repair. > o ; amounts you owe us. We will give you notice of a P 9 (_) Ob in our written any public safe or the date after which :rmission before making major changes to the property or chang?ng the address a private sale will be held. Our expenses for taking possession of and selling the sere the property is kept (3) Inform us in writing before changing your address. (4) PfO?mf will be deducted from the money received from the sale. Those costs may low us to inspect the property. (5) Promptly notify us if the property is damaged, the cost of storing the property, preparing it for sale and attorney's fens to the Nen or abused. (6) Not use the property for any unlawful purpose. extent permitted under state law or awarded under the Bankruptcy Code The rest of CONSUMERS' CLAIMS AND DEFENSES NOTICE -The following the sale money will be applied to what you awe under the Plan. Plies only when the box an reverse side is checked. paragraph If you have agreed to pay the advance, you will also have to pay any amount that )TICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS advance remains and to unpaid what after the aty you owls ndert is agreement Youta°_ree to pay interest onft at IBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEB OR COULD :BERT AGAINST THE SELLER OF GOODS OR SERVICE OBTAINED amount at the same rate as the advance unfit that amount has been paid. 11. DELAY IN ENFORCING RIGHTS AND CHANGES IN THE AGREEMENT- We can TH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE delay enforcing any of our rights under this agreement any number of times without BTOR SHALL NOT EXCEED AMOUNTS PAID BY T E DEBTOR 1QSrng the ability to exercise our rights later. We can enforce this agreement against REORDER. your heirs or legal representatives. If we change the terms of the Plan, you agree that this agreement will continue to protect us. PROPERTY INSURANCE, TAXES AND FEES - You must mat tain property 12. CONTINUED EFFECTIVENESS - If any part of this agreement is determined b Trance on all property that you give as security under the Plan. You ay purchase a court to be unenforceable, the rest will remain in effect y property insurance from anyone you choose who is acceptable to the Credit Union. 13. NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE - amount and coverage of the property insurance must be acceptable to us. You THE MOTOR VEHICLE IN THIS TRANSACTION MAY BE SUBJECT TO provide the property insurance through a policy you already have, or through a REPOSSESSION. IF IT IS REPOSSESSED AND SOLD TO SOMEONE ELSE, AND ALL cy you get and pay for. You promise to make the insurance policy ayable to us AMOUNTS DUE TO THE SECURED PARTY ARE NOT RECEIVED IN THAT SALE, YOU to deliver the policy or proof of coverage to us if asked to do so. hu cancel your insurance and get a refund, we have a right to the fund. If the 114. NOTICE FOR ARIZONA I OWNERS EOF PROPERTY - it is unlawful for you to fail to jerty is lost or damaged, we can use the insurance settlement to repair the return a motor vehicle that is subject to a security interest, within thi days a er you ferty or apply it towards what you owe. You authorize us to endorse; any draft or have received notice of default. The notice will be mailed to the addressy you cave us. It 'k which may be payable to you in order for us to collect any refund or benefits is your responsibility to notify us if your address changes. The maximum nenariv fnr under your insurance policy. You also promise to pay all taxes and fees flike nnlaudit, f.ih- {......__ 28815.042285 597 E t214- 832485 575 k 0* ' o* 'r c • ue Z s .-;?' i' rit"I'lat' 42i I _ .----?----mow- _ .. -. I I Pennsylvania Slate Employees Cradit Union Main . dress: i Credit Union Ploce, HoMsburg, PA 17110-2990 • 717.234.8484 • 800.237.7328 Mailing Address: O. Box 67013, Harrisburg, PA 17;06-7013 • 717.777.2100 (POD) • 800.472.1967 (TDD) ?u Mon 4 rxleraLy rs?•x1 Mse NaGo^%i1 Credt rNsiot.klmires:rorioo G??? O rirrrv y Lrfd-r vrvnV.psccu.eom A r? -- SIL AD As .. a EXHIBIT "B" PSECO Pennsylvania State Employees Credit Union P.O Box 457013 1 He.risburg, PA 1 106-7013 • (717) 231-8154 Harrfsrwrg. (900) 237-7328 Natiornhide the financial Gnka Lean Disclosures This LIkWUNER• Credo and Security Agreement, which include ? the Truth in interest on the entire balance. If you elect Credit insurance, your payments may Leading Disclosures, vA be referred to as the Plan. The Plan docti- a 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 pe 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 w hom 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-leatured edit plan We at transactions under the Plan during the period covered by the statement. anticipate that, from time to time. you will borrow mioney (called ' s) under Statements and notices will be sent to you at the most record 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 arty dme. The Addendum describes the notice to any one of you will be notice to all. different types of Credit (called'subaccounts7 available under the P Interest rate for each subaccount expressed as a daily perio the Curren dic rate and JOINT ACCOUNTS - If i Is a joint account, each of you i9 Individually ttirttly the payment charges. It may a terms; orrespnndinannual pe age rate and other amounts. - have other our i responsible ? paying at amounts owed. That means we can ? you " under the Plan against any one of you individually or against at of o it CREDIT LIMIT - We may, but do not have to. establish a credit li mit on certain give us Moonsisterd instructions. we can refuse to blow your instructions. Union our written policy requtires all of you to sign for an advance. each of you authortm the subaeoounts. If a credit limit is set for a subaccount, you promise ro i to exceed the other(s) to obtain advances individually and agrees to repay advances made to the established cred t limit If you exceed the credit limit, you pro gse to repay other(s). Any joie acco uitholder may terminate the Plan by giving us prior written immediately the amount which exceeds the credit limit. i notice. If any of you terminate the Plan. 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 tar all advances incurred before termination. itteYest. Payments are due on the last day of the month unless we set at the time of an advance. if the Addendum has no payment s different day :hedule for a FEES AND CHARGES - It you give us a security interest in certain types of subaooount. Your Payment will be determined at the time of a 3ch advance. property, we may charge you a filing fee to perfect our interest in the property. If we do, the amount of the fee will be disclosed to you at the time you obtain an advance Payments mum Include any amount pest due and any amount by you have . We may also Charge you other fees in connection with the Plan- Our current fees are exceeded any credit OW you have been given for a subaaociunL You or part of what you owe at any time without any prepayment penall may repay all Even it you disclosed on the Addendum and will be added to your ban balance unless you pay i prepay, you will sit be required to make the regularly, scheduler pal we agree M writing to a change in the payment schedule. If YOU . nts unless have a joint them n cash. UPDATING CREDIT INFORMATION yo You promise that you Calif promptly 91" sharediraft atxwuuht, you will be respQnsibte for paying all overd ft advances er notice It you move. change your name or empb t,e or t any other obtained by a joint holder of the shanedraft acco riL Unless otherwi a required es o Information Information Information you provided to us changes. Upon our request, you also agree to law. payments will be applied to amounts owed under the Plan. In manner the provide us updated financial inbrmation. Crock Union chooses. DEFAULT - The following paragraph applies to borrowws In ldahol, Kansas, PLAN ACCESS -- Vbu can obtain credit advances in any manner a by us. If Maine and Souflt Carolina: You will be in default If you do not make a payment of we allow you to use your ATM/Debit Card to access the Plan, you may liable for the the amount required when it is clue- You will also be In defettlt it we believe the unauthorized use d your ATM; Debit Card. You will not be table for una uidnormed use prosPed of paymerdt performance, or realization on any property given as security fist occurs after you nobly us, orally or in writing, of the loss, or possible is significantly Impaired. tnauthon zed use. N you believe your ATM;Debi card has been or stolen, The MltowkV paragraph applies only to borrowers In Wlseon0m You will be in imrbdratey inbrm the Credit Minion by sling or writing us at the number or detwk It you tad to make a payment when dote two times during any 12 month address that appears elsewhere in the Plan. 11 one card is used to unauthorized period. You will be in default M breaking any promise made under the Plan materially advances directly from the Plan, your liability will not exceed $50 t rrkfndrarval is from a SftaredraR aeoonaht your liability is governed by unauthorized Regulation E impairs your ability to repay what you owe or materially impairs fro coriddon, value, or protection of or our right in any property you gave as sectutty dedouves you received at the time you received your ATM/Debit col withdrawal results in an advance being made from your overdrafts d, even N the nt The following Paragraph applies only to bonvwwv in Iowa: You will be In FINANCE CHARGE - The dollar amount borrow you pay for money ' is caged a default 4 You are more than 10 days late in m default if do not co than with the erns of the making and your You will also In you imply your faNure to comply Tmancs charge and begins on the date of each advance. A finance c harge win be materially impairs any property you gave as security or your ability to repay what you :omputed separately for each separate balance under the Plan. To compute the owe under the Plan. raw" charge, Me unpaid balance for each day since your last payn advance If you have riot yet made a payment) is multiplied by the al; ent (o since livable daily The following paragraph applies to borrowers in all other autos. You wit be in uwkx c rate. The sum of these amounts Is the finance charge owed The balance default it you do not make a payment of the amount required when it Is clue. You will feed to uurm a the finance is the un put charge i paid balance each day a let payments be in default if you break any promise you made under the Plan or If anyone is in and Credits to that balance have been subtracted and any additions t the balance default under any security agreement made in connection with an advance under lava been made. In addition to interest, we may charge other finance s 4*,h the Plan. You will be in default if you die, file for bankruptcy, become insalvoriL b you are disclosed on the Addendum. If the interest rate is a variable Inte Wt rate the make any false or misleading statements in any credit application or update of credit 4ddendtrru explains thou the variable interest rate works- , information, or rf something happens we believe may substantially reduce your SECURITY -you pledge as security for the Plan an shares and cl nds and, if ability to repay what you owe. You win be in default k ar have us as security is repossessed by someone else seized under a fodsiture or similar any, all deposits and interest in ag joint and individual accounts you tow and in the future. If a specific dollar amount is pledged for an adv ave with us we will ance , law, or If anything else happens that significantly atlects the value of the property or it i i 'eeze shares in that account to the extent of the outstanding bat . nce for the our secur y nterest n a. You win also be in default under the Plan b you are in default under arty other ban agreement with us. td Jefautt. vance. Otherwise, your pledged shares may be withdrawn unles The following raph paragraph applies all states except In s you are in hio, Rhode ACTIONS AFTER DEFAULT -The following paragraph applies to borrowers In ut standandMas chusetts: We have stand sa a statutory lien on the shares a id dividends Colorado, District of Columbia, Iowa, Kansas, Maine, Massachusetts, Missourl, wd. it any. the deposits and interest in all individual and joint accounts ou have with Nebraska, South Carolina and West Virginia. When you are in default and after is and may exercise our rights under the lien to the extent permitted state law. expiration of any right you have under applicable state law to cure your default, we can We are state Chartered it our name does not include the term ' eral Credit demand immediate payment of the entire unpaid balance under the Plan without 1601`11 For all borrowers: The statutory lien and/or your pledge ill allow us giving You advance notice- 0 apply the funds in your account(s) to what you owe when you lie statutory hen and your pledge do not apply to any Individua In default Retirement The following paragraph applies to borrowers In all otherstgtas except tMsconsln and Louisiana: When you are in default. we can require immediate payment tCCOUnt or any other account that would lose special tax treatment u der state or (acceleration) of the entire unpaid balance under the Plan You waive any right you have eoeral taw if giver. as security to remand for payment, notice of intent to accelerate and notice of aooalerabor>_ Wchf-Oral security for live Plan may be required at the time of an nce- If a The following paragraphs apply to borrowers In all states except Wisconsin and .ubaccount identifies a We of property (such as 'New Cars') you ryv si give that Louisiana: If immediate payment is demanded, you will continue to pay interest until ype of property as security when you get an advance under that s ubaccatnt name such as 'Other S d' account. A what you owe has been repaid at the applicable interest rates in effect or, if apple, ecure means you must pr CCeptable to us when you obtain an advance under that subaccount. i a security roperty you at the default rate disclosed on the Addendum. If a demand br immediate payment has been made, your shares and/or deposits can be applied towards what you owe ; l ve as security will secure all amounts owed under the Plan and all oth -ave with us now or in the future, except any ban secured by your prig i r loans you al dwelling as provided in the section above called 'Secur'ity!' We can also exercise any other rights given by law when ou are in default 'f0perty securing other loans you have with us may also secure the P . n. y . You agree the Credit Union has the right to take possession of any property given :REDIT INSURANCE -Credit life and/or credit Cisabilty insuranc rider lne Ptah It you quality for a-id urchase the a f :s optional as security under the Plan, without judicial process, it this can be done without p nce insur rom us, y s to and the insurance prerniun s montily to your loan valance and' ., authorize j charge you breach of the peace If we ask. you promise to deliver the property at a time and place we choose It the ro ert i t hi l p p y s a mo or ve c e or coat, you agree that we may _,kA Ue__AL ]=X- 'iSJ. h7. b3. do v Be 59 I:'_6 _- : L,475 •c CPSbti1 PSECU FORM 93168 JBXX0601-2 037-2092-1 (3/05) LOAMLWER' Credit and Security Credit Agreement (cont1nL4#) obtain a key or other device necessary to unlock and operate it, vnen you are it default. We will riot be responsible for any other property, not coverc-d by tfhi: Agreement that you leave inside the property or that is artaclred to the properly. We will try to return that property to you or make it available for you to claim. Arten we have possession of the propertyl we can sell it and apply a money to any amounts you owe us. We will give you notate of any public aspoWw or the date after wflhCh a private dsposldon wig be held. Our expenses fox taking possession of and selling the property will be deducted from the money received fr the sale. Those costs may include the cost of storing the property. preparing a for sale and attorney's tees RC Me extent permitted under state taw or awarded uxxier the *tkalpicy Code. YOU must pay any amant that remains unpaid after the sale money been applied to any unpaid balance under the Plan. You agree to pay interest on al amount at the same rate as the advance. or, it applicable, at the default rate rscosed on the Addendum, until that amount has been paid. The Ioffowing peragrepJt applies ony to Wisconsin borrav V you are in default and after expiration out any right you have under applicable s`a law to core your debulL we may require immediate payment of your outstandrtg ban under the Plan artd seek possession of property given as security. You may give the property to us it you choose. or we may seek to take possession the properly by judtdal process K we repossess the properlyt you agree to pay expenses Incurred in Aspoairg at On property. I On property is a motor. rnob Is dome. tracer, snowrnobie, boat or alicral, you will tit w be required to pay ooats permitted by Section 422.413 of the Wisconsit Stalubs. You rmw pay arty nt that rent situ unpaid after the sale money has boon applied to vilhat you owe the Plan. You agree to pay Rarest on any unpaid amount at the satire rate as advance, or, it applicat . at the deiatat rate disclosed on the Addendum, until thhat Is paid. I the property is bested outside Wisconsin at the time of we may take possession of the propenty hhvltrout )udiclal process. if permitted by the state where the properly Or located. The Aa ciurk g paragraph appllss only to Loulsiana borrowers: you are in default we can require irmhedime payment (acceleration) of erhtire unpaid balance under the PlanYou waive any right you have to demand for nonce of intact to accelerate and notice of acceleration. If tg payment is demanded, you will continue to pay Interest until what you owe been repaid at the applicable interest rates in affect unless a default rate is on the Addendum. N a demand for immediate payment has been made. the shares and deposits [riven as security for the Plan can be applied towards vrry aI you owe. We can also exercise Any other rights given by law when you are sin and our fault rigltsunder any security agreements you have with us. CANCELLING OR 6tAIMiQ THE PLAN - The lollowltg applies only bbonoweru In febrofs:•We have tie right to change the olan fr om lftae b *m after giving you any advance nice required by law. ge to the Ihlerest rate or other charges will apply to fibre advances. , The b9owdrfy paragele@hif aplp/!ea o n& to borrowers in Wls sfn: We can charge Use tars of the Plan from lime to time in accordance with 471415 of the Wisconsin Staturies: You will be notified d' any cfiange in An Increase In to daftly periodic rate under a variable rate Interest rate is t considered a charge in terms under the Plan. We can clancet the entire Plan oi? any part of the Plan at any time. You may cancel the Plan at any time by giving trs prior written notice. Your obligation to pay the unpaid balances under the t of the Plan continues whether you or the credit union cancel the Plan, except the extent that your Lability is lrnhed by Section 422.4155 of ice Wisconsin Stafut s. The following pensWaph applies only to borrowers In lows: We can change the terms of the Plan from time to time after giving, you any advance ice required by taw. A change that increases file rate of finance charge or r charge, that increases the amount of your payments, or that otherwise adve affects existing balances will apply to existing balances only t you agree to the or you use the Plea after receiving notice [that your use of the Plan means you agree the ch 99 apples to exf WV balances. The AOlfowing paragraph apples to borrowers In all other stet : We have the nigh to change the terms of the Plan from time to time after giving y )u any advance notice required by law. Any change in the interest rate will apply to re advances, and at our decretton and subject to any requirements of applica a law, will also apply to unpaid balances. The following paragraph applies to all but W/sconsin borrowers An increase in the daily periodic rate under a variable interest rate is not considered a change in terms wider the Ptah 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 writ on notice. Your obligation to pay Vw unpaid balances under the terms of the Plan confinues 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 wi hout losing the ability to exercise our rights later. We can enforce this Plan age t your heirs or legal representatives. It we change the terms of the Plan, you afire that this Plan will continue to protect us. CONTINUED EFFECTIVENESS - If any part of this Plain is ceterr?ined by a Coup 10 be unenforceable, the rest will remain ir effect. NOTICE TO UTAH BORROWERS -This written agreement is a fir the agreement between you and the Credit Union_ This w.itten ago be Contradicted by evidence of any oral agreement. The following Is required by Vermont taw - NOTICE TO CO-SIGI' SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EOL FOR REPAYMENT OF THIS LOAN. IF THE BORROWER O( THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YO expression of -bent .Y NO The following paragraphs apply if you give security in connection with ar advance under the Plan.They apply to borrowers in all states except Louisiana Louisiana borrowers will execute a separate security agreement Borrowers In other states may also be asked to execute a separate security agreement. THE SECURITY FOR THE PLAN - You give us what is known as a security interest in all property described in.any receipt. voucher or other document you receive br an advance Clhe 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 hill". 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 properly or from insurance you have on the property. If the value of the properly declines. you promise to give us more property as sects ty if asked to do so. 't WHATTHE SECURITY INTEREST COVER ICROSS COLLATERAL PROVISIONS - The security interest secures [the Advance described in the receipt. voucher or any j otter doosnrnent you receive at the time of the Advance and any extensions, renewals I or refinancings of the Advance. It also secures any other advances you have now or receive in the future under the Plan and any other amounts or loans, including any credit card loan, you owe us for any reason now or In the future, except any loan secured by your principal residence. If the property is household goods as defined by the Federal Trade Commoission 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 at property you glue as sesxtrity or 4 rte 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 tokt us about. You promise not to sell or bass the property or to use it as 39moky for a loan with another creditor urN1 the Advance Is repaid. You promise you will allow no other sectrity Interest or Ban to attach to the property either by your actions or by operation of law. PROPERTY MURA NCIE, TAMES AND FEES - You must maintain property irsnranoe on all preperty, that you give as security under the Plan. You may purchase the property Instrence 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 mey provide the property insurance through a poky you already have. or through a potty you get. and pay for. You promise to make the Insurance policy payable to us and to deliver the poTccy or proof of coverage to us It asked to do so. 0 you cancel your tnstranee and get a refnd, we have a right to the refund. I the property is lost or damaged, we can use the insurance settlement to repair the property or apply it towards what you owe. You authoriza to to endorse any draft or check which may be payable to you in order for us to collect any refund or benefits due under your Insurance policy. You also promise to pay all taws and sees (Ike registration lees) due on the property. If you do not pay to fazes or tees on the property when due or beep it insured, we may pay these o6RgdtlorLt, but we are not required to do go. Any montey ire apemd far taxes, flees or insurance will be added to On unpaid balance of the adtranoa and you wig pay interestan those-am ou nits at the same rate yotagneed to pair on the advance. We may too" paymnents In connection with the Insurance Item a ownpenyv ilildh the Insurance. We may monlor our loans be the purpose of deferminlhp whe?and other borrowers have complied with the insrance requlemenls of our low alyeernents or may engage others to do so>_Thhe Insurance charge addedlo an advance may include (1) the Insurance cornparo payrnenb to us and (2) the cost of detemlining,comuPfance with the Insurance requ&etrhenhts If we add amounts for faxes„ tees orrmirance to the unpaid balance of an advance. we may increase your payments to pay the amount added within the term of the insurance or approximate term of the advance. INSURANCE NOTICE - If you do not purchase the required property insurance, the insurance we may purchase and charge you for will cover only or merest vi the property. The premium for this insurance may be higher because the insurance company may have given us the right to purchase insurance after uninsured collateral is lost or damaged. The. Insurance will not be liability Insurance and will not satisfy wilt state financial responsibility or no fault laws. PROTECTWQ THE SECURITY SST - It your state issues a trde for the property. you promise to he" our security interest shown on the Me. We may have to file what is called a financing statement to protect our security interest from the claims of others. t asked b do so, you promise to sign a financing statement You also promise to do whatever else we think is necessary to protect our security interest in the property. You promise to pay all costs, inckrding 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 oft, you promise you will: (1) Use the property carefully and keep it in good repair. (2) Ottain our written permission before shaking major changes to the property or changing the address where the property is kept (3) Inform us in writing before changing your address. (4) Allow us to inspect the property. (5) Promptly notify us if the property is damaged, sloten 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. OR ARIZONA OWNERS OF PROPERTY - it is unlawful for you to fail motor vehicle that is subject to a security interest, within thirty days after received notice of delaull. The notice mill be mailed to the address you is your responsibility to notify us if your address changes. The maximum unlawful failure to return a motor vehicle is one year in prison and'or a 0,000. may not NOTICE F ' to return a YOUR l your have LIABLE gave us. it T PAY, penalty for fine of S15 This notice contains important information about your rights and responsibilities I After we.receW your letter, we cannot try to cdlh-t any amount you question, or report under the Fair Credit Billing Act You are advised to read your enUtly statement you as delinquent. We can contirue to send sta:ements to you for the affxxwg you and review it for any error discrepancies or unauthorized transa t question. including fiance charges. and we can apply any unpaid amount again; your NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR credit lim& You do not have to pay any questioned amount white we are investigating, STATEMENT. It you oink your statement is wrong, or it you need more information ! but you are still obligated to pay the parts of your statement that are not in queston. about a transaction on your statement, write us on a separate she af at the address It we find that we made a mistake on your statement, you will not have to pay any fisted on your statement. You are required to notify us in writi within 60 days finance charges related to any questioned amount. If we didn't make a mistake, you fogowig the date on which we sent your statement wherein the error or problem ' may have to pay finance charges, and you will have to make up any missed first appeared regarding any discrepancy or unauthorized trans actions on your payments on the questioned amount in either case, we will send you a statement accouit Failure to notify us may result in your acceptance of any responsibility for of the amount you owe and the date that it is due. payment or reimbursement to us for any such error or discrepancy on your account. If you fail to pay the amount that we think you owe, we may report you as delinquent Write to us as soon as possible. You can telephone us, but ing so will not However, If our explanation does not satisfy you and you write to us within ten days preserve your rights. telling us that you stiff refuse to pay, we must tell anyone we report you to that you In your letter, give us the following information: have a question about your statement. And, we must tell you the name of anyone ' Your name and account number. we reported you to We must tail anyone we report you to that the matter has been ' The dollar amount of the suspected error. settled between us when it finally is. • Describe the error and explain, it you can, why you believe re is an error. If we don't follow these rules, we can't collect the first 550 of the questioned amount, t you need more information. describe are item you are not sure bout. even if your statement was correct. K have atntfwrized us to pay a credit card account automa ' you from your share RULE FOR CREDIT CARD PURCHASES - If you have a problem with SPECIAL the quality of property or services that you purchased with a credit card, and you account or checking account, you can slop ate payment on any an aunt you think is have tried in good faith to correct the problem with the merchant, you may have the wrong. To stohp.the payment your latter must reach us diree busine days before the right not to pay are remaining amount due on the property or services. There are two automatic payment is scheduled to occur. limitations on this fight: (a) You must have made the purchase In your home state or, YOUR RXMM AND OUR RESPONSIBILITIES AFTER WE ECEIVE YOUR N not within your home state, within 100 miles of your current mailing address; and WRITTEN NOTICE - We must acknowledge your letter within 30 days, tn{ess we (b) The purchase price must have been more man $50. have corrected the error by then. Whin 90 days. we must either the error a These Wrutallons do not apply if we own or operate the merchant or it we mailed explain why we believe the statement was correct your So advertisement for the property or seMce& In this Agreement, the words you and your means each and all of those who apply demend. We wit apply paymerrtt in the following manner: first to previous late hies, for the card or who signs ads Agreement Card means the Visa Card and any then to previous cash advances finance charges, men b previous purchase •finance duplicates and renewals we issue. Account means your Visa C Card the of charges, inert to current late fees. then to previous cash advance balances, then to Credit account with us We, us, and ours mean this Credit Union previous purdvm balances in the order that they were posted to your account, then 1. RESPONSIBILITY - It we issue you a card, you agree to repay a i debts and the to current cash advance balances, and then to aurartt purchase balancim Finance Charge arising from the use of am card and the card int. For example. 7. FINANCE CHARGES - You can avid the Finance Charge on purchases by you are responsible for charges made by yourself. your spouse an J minor children. paying the full amount of the New Balance of Purchases each month trithin 25 days You are also responsible for charges made by anyone else to you give ,the of your statement closing date. Otherwise, se, the New Balance of Purchases, and the card, and On responsibility continues until the card is recovered, cervhot disclaim subsequent purchases from the date they are posted to your accotrht, will be subject resparailitly by notgying us, btA we will dose the account for new it you to Finance Charge. Cash advances are always subject to Finance Charge from the so request tlttld ttmfm all cards Your obligator to pay lthe accent oorttitues dale they are posted to your account. even though an agreement, divorce decree or other court b which.we are Ptwchamm: We calculate your finance charge by multiplying the average adjusted not a party may direct you or one of the other persons responsible to pay the account- dally balance (see explanation below), including new purchases, for the billing cycle 2. LOST CARD NOTIFICATION - If you believe the card has lost or stolen, by the monthly periodic purchase rate and corresponding ANNUAL PERCENTAGE you .will imrnediatehy call the Credit Union at (717) 234-8484 or (1300 237-7326& After RATE as disclosed on the Addendum. hours call (800) 558-5878. Cash Advances: We calculate your finance charge on cash advances by 3. LIABILITY FOR UNAUTHORIZED USE - You agree to notify us inrneoiately, m ultipying the average adjusted daily balance (see explanation below) for cash orally or In writing of the less, theft or unauthorized use of your Crec It Card. You may advances during the blBng cycle by the monthly periodic advance rate and be Ilable for the unauthorized use of your Credit Card. You will iot be liable for corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum- unauthorized use that occurs after you notify us of the loss. eft, or possible Balance Computation Method unaugxxtmd use. Your wig have no liability for unauthorized purch ases made with Average Qangy Balance for Purchases - The Average Daily Balance for Purchase your Credit Card, unless you are grossly negligent In the handling of your Card- M Transactions is calculated by adding the Daily Balances (Purchase Transaction) for any case, your liability will not exceed 550. each day in me billing cycle, and then ddvic" by the number of days in the billing 4. CREDIT LINE - If we approve your application, we win stablhsh a sell- cycle. To calculate the Daily Balance for purchases each day, we take the following replenishing Line of Credit for you and notify you of its anaunt we issue the steps: We take the outstanding balance (all amounts you owe) at the start of the day. card. You agree not to bet the account balance exceed this approved n3dit Line. Each Then, in the sequence in which amounts are posted to your account, we add the payment you make on the account will restore your Credit Line by a amount of the amounts of aft debits and subtract the amounts of all credits or payments which post payment which Is applied to the principal. You may request an ' in your Credit to your account that day. After applying payments and credos, we subtract me tine only by written application to us, which must be approved by our 'dif Committee amount of any unpaid Finance Charges or Late Charges. Then we also subtract the or ban officer. By giving you written notice we may reduce your Line from time amount of any Cash Advance transactions that posted to your account out that day or to time, or with good cause, revoke your card and terminate this ment Good in any previous day in the billing cycle. This gives us the Dally Balance for purchases. cause includes your failure to Comply with this Agreement or any othe agreement with Average Da# Balance kx Cash A Nanc,, -Cash Advance Transactions wtrdh are us, or our adverse reevaluation of your credtwortinBss. You may al o terminate this posted to your account are not included in ft Average Daily Balance Calculation for Agreement at arty time, but termination by eiMef of us does not aft t your obligation purchases. and are therefore not subject to the mommy periodic rate for purchases. The to pay the account balance- The cards remain our property and you ust recover and ' Average Daily Balance is calculated separately for Cash Advances and is subject to the surrender to us ail cards upon our request and upon termination of Agreement Cash Advance Monthly Periodc Rate. The Average Daily Balance for Cash Transactions 5. CREDIT INFORMATION - You authorize us to investigate you credit standing is calculated by adding the Daily Balances (Cash Transaction) for each day in the biting when opening, renewing or reviewing your accohrnt, and you a ' e us to disclose cycle, and then dividing by the number of days in the billing cycle. To calculate the Daily information regarding your account to credit bureaus and other cre ors who inquire Balance for cash each day, we take the following steps: We take the outstanding balance of us about your credit standing. (ant amounts you owe) at the start of the day. Then. in the sequence in which amounts 16. MONTHLY PAYMENT - We will mail you a statement every r.xx th showing your are posted to your account. we add the amounts of all debuts and subtract the amounts Previous Balances of purchases and cash advances. Cie arrant t on your ( of all credits or payments which post to your account that day. After wing lets i account. the remaining oreat available under your Credit Line, the nd h urchase T N d h B F Balances of and credits, we subtract the amount of arty unpaid Finance Charges or late Charges. l Th bt t th t f P h T i s a P cas vances, t ew a e otal alance. the inance due to date. en we a so su e amoun rac o urc ase ons mat posted to your any ransact and arty other billed fees, and the Minimum Payment required. Every rno th you must pay aoxamt on that day or in any previous day in the billing cycle. This gives us the Daily 1 at least the Minimum Payment within 25 days of your statement dosing ate. By separate Balance for Cash Advance Transactions. Note: Cash Advances cue always subject to agreement you may authorize us to charge the minimum payment auic ticaly, to your il finance charges and from the day they are posted to your account share or checking account wt h us. You may, of course. pay more freq . pay more i Payments are applied in the following manner: first to previous late fees then to than the Minimum Payment or pay me Total Now Balance is lug, and finance charge by doing se. t your monthly payment exceeds the total will reduce is edit fine balance ` , previous cash advances finance charges, then to previous purchase finance charges, then to current late tees, then to previous cash advance balances, then to Owetl, we will automaticagy pcsi he credit to your S t stares. previous purcnase balances in It.e order that they were posted to your account. then The minimum payment will be (a) 2% of your Total New Balance, ro unded up to the j to current cash ad-.ance balances, and then to current purchase balances. Credits next even donor, or (b) 520.00, whichever is greater. In addition, at an time your Total ! are applied first to the partiarlar h•pe of debt vihich is being credited. if any. and then , s New Balance exceeds your Credit Line. you must immediately pay the Excess upon out to the balance of your account. i Visa' Credit Card Agreement and Truth In Lending Disclosure Note also that it the total of the payments and credits which ara account by the payment !Jere Date shown on a statement is equal to New Balance shown on that statement, we will not apply the Month! to your Accent on your next statement. 4 DEFAULT You will be in default it you fail to make any Min witthin 25 days after your mhori ft statement closing data. You authod,, funds sufficient to make the mminxim payment duet your Visa loan i agree that we may temporarily suspend your ATM card access if you is due for a period exceeding 30 days. You will also be in default i repay us is materially reduced by a change in your employment, an i obligations. bankruptcy or insolvency proceedings involving you. you bture to abide by this Agreement. or it the value of our security iris defines. We have the right to demand immediate payment of yo balance if you defaut, subject to our giving you any notice requires extent permitted by law, you will also be required to pay our collet hskxing cart costs and reasonable attorney fees. 9. USING THE CARD - To make a purchase or cash advance, allmnalfve procedures to be followed. One is for you to present participating Visa plan merchant, or another financial institution, and or sash advance draft which will be imprinted with your card. The othe the transaction by using your Personal Identifications Number (PIN) with the card in an Automated Tager Machine or other type of electron provides access to the Visa systern. You agree that you will not use yc transaction that is Regal under appkabte federal, state, or local tae statement will identify the merchant. electronic terminal or fnancii which bansactidns were made, but sale. cash advance, credit or oth be rekrrtad with the statement Ytxi will retain a copy at such slips fi time of dw transaction in order to verity Vie monthly, statement. The Cr malaa a reasonable charge for pholocophes of slips you may requesL 10. OVERDRAFT OPTION - It you elect to overdraft to your PSEI Card, that aiectfon is subject to the existing credit limit and the agreform and the oahpent loan policy at the time of the overdraft. You also undi overdraft will be coreldered the same as a cash advance on your PSE Card artdt(tat Ow cinerld Annual Percentage Rate for cash advances 11. RETURNS AND ADJUSTMENTS - Merchants and others who may give credit for rat imss and adjusllmerts, and they wig do so by son s1p which we wit past to your Visa line of cruk It your credit and pa) what you owe us, we wig autornaticaly post the excess credit baler Shares whin 75 days. 11 thhe balance Is one dollar or more. upon your n we will refund the credit balance to you. 12. FOREIGN TRANSACTIONS - The exchange rate between I currency and fro biting errancy used for processing international Danz: selected by Visa from the range of rates available in wholesale currency applicable Central processing date, which rate may vary from the s receives, or a rate In effect for the applicable car data In each Instance, an adjustment may be assessed based an the 1S by Visa. This be, which folds I% of tme transaction amount, will be a barhsactiorts where the m irchart cots" doers from the country of the 12. IMMIMMMak? - it Wnu .Aw JIM an nm ATM CARD CARD14OLDER AGREEMENT - The Undersigned (yc casideeat on of THE PENNSYLVANIA STATE EMPLOYEES CREft our and us) issuing to you an ATM CARD. hereby agree to be legally following terms and conditions. You agree that the use of your constitutes acceptance of the terms and conditions of this Ag drWerstard that ATM Is a credit-related service and you authorize PS a credit report on any users of this account 1. ACCOUNTS AND USES OF ATM CARD -You have the accour Checking and Regular Shares), which we set forth on your application Agreement. You hereby request that we issue to you one or more AT] be used in corhnection with such accounts as described in this Agrees You understand you may use the ATM CARD at a STAR SYSTEMS withdraw cash from, (2) make or arrange for deposits in, (3) effect trans your account, (a) receive information regarding the balance in your as make cash advances from your credit account(s) in the amounts you rec also use automated letter machines throughout the United States t foreign countries which bear the PLUS SYSTELO name and logo withdrawals from. (2) effect transfers to or from, (3) receive information balances in your Checking or Regular shares. if you have a Personal ontinued) transaction, and have triad n good faith is correct me problem with the merchant or iosted to your the charges are the result of unauthorizea or fraudulent use, or your purchase cost i r exceeds the more than S50 and was nude from a plar. merchart in your state within trill miles Periodic Rate of your home, contact PSECU. You are required to notify PSECU in writing witnin I f days following the date an which roe sent your statement wherein the error or !t mum Payment a us to transfer in default. You Visa payment your ability to crease in your death or-your rest materially jr fug account by law. To the ion expenses, there are two the card to a. sign the sales is to complete in conjunction c terminal that tr card for any i. The monthly I institution at trsfipa cannot mished at tithe AN Union may i Visa Credit it represents land that an I Visa Credit Iap* nor the card g us a credit ants exceed I to your Sl ten request, is transaction dons is a rate narkets for the ate Visa itself rat processing k be imposed messed on all card issuer. i or your), in UNION (we, bound by the ATM card(s) eement You :CU to obtain s) (including rm with this CARD(s) to ) ATM to (1) ors to or from tat(s) or (5) lest You may id in certain (1) to make eciardiro the problem first appeared regarding any discrepancy or unauthorized transaction on you accounL Telephoning PSECU does not preserve your dispute rights. You may be required to provide us with documentation to sLWW your dispute dailm In I addition, you may be required to complete a standard dispute form outlining the I details of your Dispute. in cases of fraudulent card use. PSECU will also require a notarized affidavit. In some rases we may ask you to nobhy the local authorities. If we do not receive the proper requested documentation in the time specified you may be held responsible for the transaction(s) in question. PSECU roust adhere to strid dispute timetrames set forth by Visa. 10. SECURITY INTEREST - To secure your account. you grant us a purchase money security interest under the tkhgorm Commercial Code in any goods you purchase through to account It you defauf . 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 resped to this account or* we will not assert any stab" right we may have 4 you are in default to prevent withdravual of your urpbdged credit union shares (Deposits) below the unpaid balance of your account However. if you. 00 or have given us a specific pledge of your credit union shares (Deposits) by signing The Pledge of Shares or otherwise. a fury other searrit'y. k taMsfs for all yaw debts; yaw account will be secured by your pledged shares (Deposits) and by the property described in those other security agreernerts, except for your home. 15. EFFECT OF AGREEMENT - This Agreement is the contract which applies to all transactions on your account even though the sates, cash advance, credit or other sftpe you lion or receive may contain different terms. We may amend the Agreement from time to time by sendahg you the advance written notice required by Iaw.Yots use of the card thereafter wig indicate your agreement to the amendments. To the extent the few permits, and we indicate in our notice, amendments wN apply to your arising account balance as well as to future transactions. 1 L LATE PAYMENT CHARGE - It your Minimum, Payment is not received by the first day of Vie month following your due date, you will be subject to a S20 charge. 17. RUSH FEW - Ybu may incur additional charges for rush processing and rush delivery of cards andIor PIN mailer. Ia. OVER WIf<TFEE-A S2Dleewill be applied for each moat lystatiemerddosingdate on which the cutalanrfng balance exceeds the assigned credit fruit by more train $100. 19. DRAFT COPIES - You may incur an additional charge for transaction summaryleale draft documentation. 2(L COPY RECEIVED - You acknowledge receipt of a copy of this Agreement. 21. ILLEGAL TRANSACTIONS PROHIBITED - You agree that you will not use your card for any transaction that is illegal under applicable federal. state. or local taw. 22. NO USE - Inactive Visa accounts that have no. purchase or cash activity may be dosed without notice to you after 18 months of no activity. 23. NEURAL NETWORK - PSECU uses neural network systems to predict and proven Unauthorized transactions. There may be occasions when a transaction is riaegned beaeuaa it b hdcetive of possible fraudelert activity. in ttts Agreement shag the 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 acknowledge that the Personal kJoin ifAmoon Number or PIN whidh.you use with the ATM CARD Is Vow signature, idandfies the bearer of the Card to the STAR SYSTEMS ATM, PLUS SYSTEM ATM, or other network ATM-and authenticates aril validates the directions given just as your actual signature and otter proof identity you and authenticate and validate your directions to a human letter. You also understand that a Merchant which accepts the ATM CARD for a Purchase transaction may have an electronic terminal (Merchant operated or Sell-Service) which requires the use of your PIN and when your PIN is used at a Merchants terminal, t will authenticate and validate the directions given just as your actual signature will authenticate 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. approved and in place, you may also make a cash advance from your L You further 3. LIABILITY FOR UNAUTHORIZED TRANSACTIONS - You agree to contact us understand you may use the ATM CARD to purchase goods d services at once it you believe the ATM CARD(s) issued to you or PIN has been lost or stolen ('Purchase') at any retail establishment ('Merchant) where ATM CARDS are or money is missing from your account(s). You also agree that if your monthly accepted by such Merchant. If you use the ATM CARD to make a Pur to obtain ! statement shows transactions which you did not make, and you do not contact us catch. if permitted by the Merchant. you shag be requesting us to withdra funds in the I within 60 days after the statement was mailed to you, you may not get any money amount of such Purchase (mcludung any cash received from the kftrctu t) from your lost after that time. YOU AGREE THAT IF YOU GIVE YOUR ATM CARD(s) and PIN Checking Shares and directing or ordering us to pay such funds to the erchant. TO SOMEONE ELSE TO USE YOU ARE AUTHORIZING THEM TO ACT ON YOUR j You request that we will provide to you such ether services or access o other ATM 1 BEHALF AND YOU WILL BE RESPONSIBLE FOR ANY USE OF THE CARD(s) BY systems or networks using the ATM CARD which we may later make vailable and THEM- You could lose all your money in the account(s) if you take no action to notify which we advise you are offered in connection with your account(s) set forth on your PSECU of the loss of your ATM CARD or PIN. Safeguard your Personal application form. You also understand that from time to time you m y request in i Identification Number (PIN) Do not tell or disclose your PIN to any other person. Do writing that we provide access to additional accounts of yours thr gh the ATM , not wine your PIN or, your ATM CARD. Do not keep a wnaen record of your PIN near CARD we have issued to you. You agree tnat the uses of the ATM CA D described your ATM CARD- Do not choose a PIN that ,s easily identifiable. ElecMwk Funds J&ns& . (C-Unued) A new card may be ordered lor you at that time and a 'hold' will bi old card. After such time, if you find your olo card. destroy the old in halt It you attempt to use your old card, ;t will not worst. 4. CHARGES - You agree to pay a 50 cent charge for each dept exceeding 15 a month. You agree to pay the 50 cent penalty dta disbursement transaction (loan advance or share withdrawal) that i You agree to pay a 25 cent charge on each balance inquiry. You rm for any w*istrnert that needs to be made to. your account resuf i you made while making a deposit at an Automated Teller machine ( So pay the charges or transaction lees which are charged by us lo or for services which may later be offered as such fees or charges i or changed from time to time. 5. DEPOSITS - You agree that when you make a deposit at a f ATM that we have tie right to verify to deposit before we make the to you. N you derrw cash, checks or other items to a STAR SYS understand and acknowledge that the hinds from your deposit may for immediate vAxkawaf and that the availability of your deposit she rules and regulations regarding the particular account In which yc deposit, the items that you are.depositing and whether the deptx STAR SYSTEMS ATM that Is owned by. us or another financial ins; understand and acknowledge that not of STAR SYSTEMS ATI deposits and some STAR SYSTEMS ATMS may limit the amount may be deposited and that we may not carts these limits. 6. LIABILITY - If the ATM CARD is Issued for a joint account.' jointly and saveraly liable under the terms of this Agreemer and lh such account You agree that If you make deposits or payments to with items other than cash (checks, drafts or other items) and available b you from such deposits prix to their collection. you ag deduct go amounts of such hands Ir m your account(s) which are If to hods in your account(s) are Insufficient at such fine, you will us any amount of such funds which are not collected. T. AMENDMENT OF THIS AGREEMENT - You agree that from may amend or change the terms of this agreement kx*XrKg changes to add further ATM CARD services or to amend or range these serAcm We may do so by notifying you In writing of such charges and your use of the ATM CARD after the effective d9 amendment or charge shaft constitute your acceptance of and 89 amendment or change. a. OWNERSHIP - You agree that the ATM CARD Is our prole surrender it to us upon our request. You agree that the ATM transferable. 9. OtSCLOSURES -You hereby acknowledge receipt of the disci informing you of your rights under the Electronic Funds Transfer Ai this Agreement. REGULATION "E" DISCLOSURE 1. ELECTRONIC CHECK CONVERSION/ELECTRONIC RETU FEES - If you pay for something with a cheat or share draft, you to be converted to an electronic fund transfer- You may also authors electronically debit your account for returned check fees. You are cor authorized these electronic funds transfers if you complete the t being told (orally or by a notice posted or sent to you) that the I processed electronically or it you sign a written authorization. 2. SUMMARY OF CONSUMER LIABILITY - • ATM, ACH and SST - Tell us at once it you believe your cai or stolen. Telephoning Is the best way to steep your possible losses 4 lose all the money in your account plus your maximum overdraft fine believe your card has been lost or stolen, and you tell us within twt after you team of the loss or theft, you can lose no more than SW l your card without your permission. If you do not tell us within two business days after you learn of the your Card, and we can prove we could have stopped someone from without your permission if you had told us. you could lose as much Also, if your statement shows transfers that you did not make, to placed on your ird by citing it it or withdrawal le on any cash less than $20. incur a charge I from an error TM). You agree these. services ay be imposed lAR SYSTEMS money available EMS ATM, you not be avaiable depend on our u are making a it Is made at a lotion. You also S may accept of funds which u agree to be agreement for wr account(s) 3 make funds e that we may t collected or. romptly pay to lime to time we rtendfrrxds or the charges for rnendments or e of ary such )emend to such and you will ARO is non- ure statement and a copy of IED CHECK ry authorize it merchants to Jared to have waction after cater may be J has been lost own. You could of credit. If you business days someone used loss or theft of isino vour card us at once- If Or write to us at Pennsylvania State Employees Credit Union P.O. Box 67013 Harrisburg, PA 17106-7013 PSECU Business Hours: &00 a.m. - 5;00 p.m. M - F TDD (800) 472-1967 Nationwide (717) 777-2100 in Harrisburg 4. FINANCIAL INSTITUTION'S BUSINESS DAYS - • ATM, ACH and SST - PSECU's Business Days are Monday through Friday, Holidays riot inckuded. 5. TYPES OF ELECTRONIC TRANSFERS A CONSUMER MAY MAKE - • ATM - Balance inquiries on checking. savings and PSt, withdrawals from chedtinplsavings; cash advance from PSL; deposits to cheddrrysavings; purchase goods and services at any accepting recall establishment, • ACH - Preaullwized debits and credits to checking and savings. • SST - Balance inquiries and transaction histories on at share, cortficate and (can accounts; transfers from any share to another share or ban acco nt from your PSL to any share or loan account; withdritwals 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 wftdrawral) lass than $20; fifty cents for each transactors wen 15 per month; 25 cent for each balance inquryy; and Illere may be an additional charge for any-adluwnort that needs to be made to the account of any member who makes an error while depositing at an Automated Teller machine (ATM). • ACH - 530 service charge for insufficient hods 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 Ilmo of each transaction You will receive a monthly statement a xwft the statue 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 matMy statement showing to etetrr3 of your account, any transactions made during the month, and any peneffin a charges PSECU may Imposs during the mlonth. • If you have arrarged to have a direct deposit made to your account at least once every 60 days from the same peon or compai* you can call us at (800) 237-7328 to lid out whether or riot the deposit has been made. a. 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 paymhents. Here's how: Cal us at (800) 237-7328 (Nationwide) or (717) 2344984 (Harrisburg) or write us at Pennsylvania State Employees Credit Union, P.O. Box 67013, Harrisburg, PA 17106.7013, In time for us to receive your request three business days or more before the payment Is scheduled to be made. It you call, we may also require you to put your request in writing and get it to us within 14 days after you call. - Notice of Varying Amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when It will be made and how much it will be. You may choose Instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall. outside certain lints that you set. • Umbli ty for Falture to Stop Psymetnt of Preauthorized Ttansfera If you order us to stop one of these payments three business days or more before 11 the transfer is scheduled, and we do not do so. we will be liable for your losses or damages, unless we request and do riot receive written confirmation of an oral stop payment within 14 days and the transfer takes place after 14 days, or you tail to give us proper instructions that would enable us to place the sop on the transfer. you do not tell us within 60 days after the statement was mailed t you, you may 9. SUMMARY OF THE FINANCIAL INSTITUTION'S FAILURE TO MAKE OR not get back any money you lost after the 60 days if we can prow that we could STOP CERTAIN TRANSFERS - have stopped someone from taking the money if you had told u in time. ATM - If PSECU tails to complete a transaction on time or in the correct If a good reason such as a long trip or a hospital stay kept you from telling us. we I amount, when properly instructed by you, PSECU will be fable for damages will extend the time periods. caused by our failure unless: (1) there are insufficient funds in your acco urn to 3. TELEPHONE NUMBER AND ADDRESS TO NOTIFY OF U AUTHORIZED complete the transfer; (2) the funds in your account are tncodected; (3) the TRANSFERS - funds are subject to legal process; (4) the transaction you request would exceed • ATM - Contact PSECU at (800) 237-7328 EXT 3808 (hat wide) or (717) I the funds in your account plus arty available overdraft protectiotr (5) the STAR Systems (s) 234-8434 (in Harrisburg). After tours- follow the menu optic s on PSECU's your , card has PLUS been system reported has lost insufficient or ficient stolen cash and to you complete are re using the f r reporteported c transaction; card: voice mail system to report a lost or stolen card. For Visa redit or Debit ° Cards, 'a/low Lie directions for Lost Card Notification under a Visa Credir un PSECU has reason is due to believe an that the transaction requested is at it -,e ecit-,e STAR breakdown that you know Card Agreement and Truth-in-Lending Disclosures section of his document- i about when hen ut (8) the failure is a you started the transaction Systems, PLUS System; • ACH and SST - Contact PSECU at (800) 237-7323 (natior wide) or (717) (9) the failure was caused by an act of Gad. fire, or other catastrophe. or by any 234-8194 (•n Harrisburg) 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 P.wtmnic Funds Transfer. ATbf Aar?eLn@rtt ,Trzd_Etegdrl 4rJ_ ".Qisc(g3Lnfg (continued) permissible transaction listed above: or, (11) the transaction 4.- exceed the security irritations; on the use of your ATM CARD. • ACH and SST - if PSECU tails to complete a transaction time or in the correct armunt. when properly instructed by you. PSECU %*ff be liable for damages caused by our failure unless: (1) there are insu i kinds in your account to complete Cie transfer. (2) the hinds in account are uyoollected: (3) the funds are subject to legal process: (4) the ransaction you request would exceed the funds in your account plus any able overdraft credit: (5) PSECU has reason to believe that the tr requested is j unauthori . (6) the failure was caused by an act of fire. or other calastrophe, ot by another cause beyond control- In any cas , PSECU shah be liable only for actual proven and not consequential damag s it the failure to make the transaction resulted from a bona fide error d its PSECU s procedures to avoid such errors. i 10. DISCLOSURE TO THIRD PARTIES - • ATM, ACH and SST - PSECU will disclose information about account to third pates: (1) when it is necessary to complete transactio : (2) to verify the existence and standing of your account with PSECU upon "iest of third party, such as a credit bureau: (3) to comply wfdt government or court orders; (4) in accordance with your written pem>isslor: (5) o comply with government or administrawe agency summonses, or court orders. (6) on receipt of certification from a Federal Agency or department that a request br htonnation is in compliance with the i to Financial Privacy Ad of 1976; tlegulation P, Privacy of Consumer and (7) when h is necessary to take legal action to recover S. 11. STAR SYSTEMS SERVICES - • ATM only -You may use your ATM CARD with your Identification Ntariber (PIN) at STAR SYSTEMS located in Delaware, ryland, New Jersey and Pennsylvania to conduct any of the (ollowingt?? for the accounts accessed by your ATM CARD. a) Determino 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 S es. 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 anO your Regular Shares NOTE: There are flmfted locations In Maryland where deposits ay be made. we wish b k*rm you that some ATMs located In these areas 0* provide access to your Checking. your Regular Shares. and your Pe Service Loan. Not all ATMs may a? depos t& There may also be limits on, Me amount of funds which you may deposit in certain ATMs. 12. PLUS SYSTEM' SERVICES - • ATM Only -You may use your ATM CARD with your ParsIdentification Number (PIN) at any PLUS SYSTEM automated letter machir (PLUS SYSTEM ATM) located throughout the United States Puerto Rico, Canada, Great Britain and Japan to conduct any of the following transactions on the accounts accessed by your ATM CARD. a) Determine the account balance(s) of your Checking.; your Regular Shares, and your Personal Service Loan (PS4 b) Withdraw cash from your Checking and your Regular res. c) Make a cash advance from your Personal Service Loan ( SL). NOTE Deposits are not available through PLUS SYSTEM A 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 arrangem nos with other ATM networks to grant access to ATM CARDS. PSECU shaft in m you when such arrangements are made and describe the services that re available to you. Any Charges will also be described. 14. PURCHASE TRANSACTIONS - j • ATM Only - You may use the ATM CARD to purchase good and services ('Purchase') at arty retail establishment ('Merchant") where A M CARDS are accepted by such MerchanL The amount of an such Purchases will be deducted from your Checking. When you make a Purchase jig the ATM CARD, you will be requesting PSECU to withdraw funds from Vour Checking in the amount of the Purchase and directing PSECU to Day these funds to such Merchant_ /5. LIMITATIONS ON THE USE OF YOUR ATM CARD - • ATM Only - You may withdraw up to S500 per day from one o combination of your accounts by using a ATM CARD provided the funds ar available at a STAR SYSTEMs or PLUS SYSTEM ATM. In additi you may withdraw.purchase up to 5500 at point of sale locations. PSEC reserves the right to reduce this daily limit at any time. In the event that your dairy Writ is less than $300, 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 firnitatitxhs on the frequency of use of the ATM CARD. However, these limitations are not revealed for security reasons. The Pennsylvania State Employees Credit Union is not obliged to maintain such limitations. You will be denied use of your ATM CARD it you exceed the daily withdrawat/purchase limit it you do not have adequate funds available in your account. do not enter the correct Personal Identification Number (PIN), or exceed dine frequency of usage limitation. The receipt provided by the STAR SYSTEMS or PLUS SYSTEM ATM or Merchant terminal will notify: you of the dental. There is a "t 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. TDO (800) 472- 1967 Nationwide, (717) 777-2100 in Harrisburg, or write. PSECU at, PennsyMania 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 d you need more information about a transaction feted 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 nuy bey and ATM CARD number (d a ATM transaction), or tolerance number (of SeU- Service Telephone Transaction): (b) Describe the error or the.trans fiction you are unsure about, and explain as dearly as you can why you believe It Is an error or why you need the kdormation, 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 invesigadon within to business days for STAR SYSTEMS. PLUS SYSTEM, SELF-SERVICE TELEPHONE,. or DIRECT TRANSACTIONS, or 20 days for STAR SYSTEMS purchase transactions. h we need more lime, however, we may take up to 46 days for STAR SYSTEMS. PLUS SYSTEM. SELF-SERVICE TELEPHONE. of DIRECT DEBIT/CREDIT TRANSACTIONS of 9Q days ion STAR SYSTEMS purdfase transactions. If PSECU decides to do this. it will recredit your account within 10 business days for the amount you 0" Is in am it it. is a STAR SYSTEMS, PLUS SYSTEM, SELF SERVICE TELEPHONE, or DIRECT DEBiT/CRED(T bansaction, or 20 business days It it Is a STAR SYSTEMS purchase transaction. You will have the use of the money during the tune it takes to clrnpiete the investigation. If PSECU does not receive your complaint or question in writing wvdm 10 business days. PSECU may not recredt your account. if PSECU decides there IS no error, you will be advbSd wdM three business days after the investigation is completed. You may ask for copies of the documents PSECU used in the investigation. N PSECU credits you account while investigating. you must repay those funds If PSECU concludes no en-or has occurred. 17. ATM SURCHARGE - If you use an ATM that is not operated by us, you may be charged a fee by the ATM operator and by any national, regional or local network used in processing the transaction (and you may be charged a tee 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. It you doubt the safety of a particular location, choose another ATM. • if the ATM has an entry door, dose the door prior to initiating your transaction. • Put your cash away immediately. • Died complaints concerning ATM security to an appropriate department of the owner of the ATM. New Jersey residents: you may call the New Jersey Department of Banking at (609) 292-7272. For those members who purchase a vehicle under the DRIV Program, please review the following FTC Notice: NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINSTTHE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 3;! a3? n a ?ga s a? g8 S? 444,?? ° ??ab as 7£ Ira Y a s? • p A L g rg ME Z? i Si I ?? ? W Q iQ S g? ? r'3? 4? 4888 iift'? 8 44 °4 9j .. ? „ g4 y44 p r _? v X a ? :< N e>?: :uas?ro :xaa?to ? o 3 N NNN N > • dO ? • b bbo b r i , v J}x? SSSp Sa ppp }aa? t?asy by 6a }ate "- N Ad Fees O t i ? ww w w d n. v v ? 7 ( Nq N N N ENV ? N v t 4Y T 4? ?? 4? f? M 19P? • ?????I'? w w w P P? ?????Y?? ?• ° r 7Y M i? i' i' T •? • ? = o? 0 a = Q ??• sss 13 w pa P?V ? p ?•rO p s OO4LN y p p. I.OO4twli 3 j M O . 8.3 c?`-booeoooooo?o ? • g S* S S S S i S S Syy Z ? ?? y ?M •.VO.0O • 888888$888 t ra ?? 3 c a = Sr g v e T S O O I h r° i0 C-tiY SUP v}}aP??88O: G O O 00000000• ? ° -oobbbooboo o `+ BQN 5Y?5??QPP QV O`Q•yOy??p?? 75252525?25?25?S? = 8888 °n $888 a. 0 oogo-§ ?o$$9 ° d r n a O7OJ7?J7OC?? f an ° alC6 8 a<:6 b 'o g ;s ?37 8 S? sa' Q n?? a nO gala 43r? ,7tof ? psFo O• 48 a S• " ?T?-sew9 3 n^ a ? oOJ. S 3 3 3 ?a a 3 e i F 0 •?4 a3? 4 ? I fl a, N is }8 1 T .t ? a 0 35 J a$ S' Qq ? j a? ^3 Y a R a z 3 3 •- 496 ?n ps P ss n? c r r ? M a • a n T • O Q O u U i a a ? a R? ° K I. v • 3 -- a° d Fs ? r f? a n. 0 V s c g T?;. ? nc v a??•Soa? v? d? a r ?z w ` ° nFFe ? e gscd rn ?a"'afQ• .1.1 o g a - =zoAs=3 ? J o ? d p ?aaa;? O •vaoY °_ a g ? o 0 n 3 °- r1D ? s r' e a o L a e J '! J j 1• n i ] ; ? T a?ESi i ? z r 3;7 , • P F ?•3- c a n ?Si `aa $ o = 2- g 3 nz a a ?'_ ° a a gA • 2 o n i8 Q a z $• Y - T 3 3 ?a?d • aas 0 r Ac3 ° 3 ° 37 a ggo ?9- 3 j°bra? a T 3 ?aY?o g j- aln gO j , r a ? B ? a • 3 nnp _ Oa 1 O 3 Q n L s V ?ur g?:"=3f???4•a^ dsa • cf, a°c VL t c. Tr 12, 41 L gg Q °?a3?3???. sf 9. L 0. a .4 PL N4 1-' i v?S?V4? ?' Y0 »t: sa ,sa ?d3, s83= ''Sa .d r C ,°? • C? e C C j o0oa a5 a 2 • S- _ S; ? o o ct i s s i uiv1oa ?3c?16s ? ? ? ? ? .p A' n o r C ' E i _ - ^ o 7 y q c tip 7 __ 4 ? _ _ _ II-Y a ° - 3 c o = 3 '- r °v r Q• a7 Fir it Q h yr ,_ 6 O Y 'J tT 1-- fTi iT1 WNNNNN NNNNN? ^^? V^j.''a _OdO7VPU AWN?Od ODV PU ?W N-OdODV PUaWN??ii 7 v,-S* s T? $r..T,p ? ? ASS ?.? ,?5? ^?03 -M3?°gaYt'' ° 000000 000000 0000 000000 000000 o Vo3pcaj i• c$G{p.Y. - NNIJNNN iairw'tawir wwWCIJ a aaalihi" CA" C o a x09.1 bbb O•PVVOOOS dOO?NW athPV NAthOOW vOPW O O ?O ?p V? m U^°DV aA aAaOD "0("0-4-4 ?ON•O _ F S?•" - S .A OWOVN OWW^NP O)O)WA a AVVaON PVN000 d w ? S ! 141- 3 ? O C y- ? S n Yr T? $'m A. T OrA U i T" N$+ .? $ xC • Er'Jb; _ A u? O 7 S •O^ GC ?. Q Pt"uuuu tAwft4.4aA aaaAAa aaaWww wwwwww 3 NT?<a 1 a 02 V3 OdODVPU aWN--Od WVPUAIW N-+O•OO?V PUAWN-•• pr$ g O g w?p O 3Y2 uy n o °• ? s • d w' r.Q 000000 000000 0000 O 000000 000000 0 2S ? R ?Q p -NJ 1JIJIJN IJtJtJ1JNN NN/JN1J?J (•? ?O » n ?° C g? S? O yA c' amo.oDam o,o 0 0 00 N(n00001d OOOWP -NNN ONWw 00 0& POaa Vsu^ •4' o- 4 _ 1: ONW<hVOD i Ewa POD^ o a ?' 3 ?p =0 v.$ ?.o ! i o dOOVOOODd Oa VPUN ODPad OWa00N -40WI0 $? ?.O O a v>r? Oj • 33 3o? a -q" ` - To D. ° 27 J.. 9 .0-C 8 dODOOCOGOOD COCOODODODV VVVV VNN J,4140.0,0, PPPPPP pg-O C a_ $ S O`001VPU AWN---Od ODVPU A(J N?Od07V PUa wN^ Q j G C ?i O- R ?c N• ?d° i 3S3r O 3a??g Ov, °-r 12 _ a°y 000000 000000 00000 000000 000000 n C 3,? o c p s aau4.uu u-UUUU UPPPP OPO•CKO.VV VVVVVV {??y °Rc C C a_o3 ? 3 = ddC-+NW WtlhPVW d0-?NW UPOD.00- WAUPODd m ` p O gZ a p • 23 4 W0Va?0 dUPUWW w(hWaw 0314-(hGP ONWO.W2 Q 1 ?3 $Q?a j - SL an°S?° i???&$n 8 3 186 N???_.? .??p 00000 OOO-M- V P,02WO ILI OdOSVP(h ?WN-o•O VPUaa NCO O " • ? g- t,."O ?4. •?( ,??p Q QOOO°p pp°p°° pppppo eccoo0 000000 n 3a8.;3. w%rivirotw wiowww%? wtotouto a+i?ais aai?ia I Min f 4T °s NN?W.?wwa aUfhPPV VVOO.Od -+--•NNW? aUPp.000D ° ? ? 9 y Q$ ? 3 i? 3 POVwPN VNUNUO U?OV••?P --•C?NQfODN da000OU : Q? § i # !a4gccx 3Tq?M ge 3 ffp-.. aaAT=$o$? 11 a$i l,=0 ?Tz g • o 3 • is 3 w gg'Q30 QQRgsq-?yy?$ a IF QQ • •`? n O• j lvZ A 3. J'' a O 3 S V 5L s 0 0 T T T O O' W A A ?, a N 3 T T p O s o° 3 c o a o 3 o w w ?•-< 0 c.- • c =y?ro w 6 0-1 o-w 3 0(1 3?T=?omcTe • tee0 o. O g ?• p° tnwf L n 3 T 14m O O O a0 = O 'a° 4c. ° R m T Ir O it n4CZ} 3?aOmaD? ?d$? n $O o LL o'm n ?t ogT'°io 0 O ;o wo?0•SaCIoE Le?Cc ?v :r c o w73 .=003 :9. .00T°O•Odp1.?wmnnCOrnEO? .. e °o ace? •m0-a a =.o w3no<o T.°3°-l1o N'. p c i n o n ?g Co 03 O w E. 0 0 42 if -0 -00 m. a 11 s c°° a o Z IT : T D E OO- - 0 :1 C?$ C O? ^ E S c° a c ?. o t 0- ca p? o' ? m e_ • ° S.O. 4O4 a C<<• j O OL OO 3 0 -1 q N j p C Q •° J 4n -CO e 0 Do-4 ?° 1o O e3 °o.? c °-o o Ai o` n Ca °4 & ° O p 3 ° o n a o' -0 0. a®s c • no o _. c o o= 5?° ?R oro o - I o'o•<OcE3nccc_5oa nac0???oo?ca w s So n=3 c O n ?T3 ° T° • w a> e< w C <o m o o' 0 C n o E x v c $ >>? O° w p n c ? r 'A w • p ?,,n O ?. ± u ' -. •Z A w' 3 O T 40 0 0 Z. i? c 0 ]. •1-? (? n n O pT '" O• O D 70Ip • O O? a O a O•° O d 0• p, O O n p_ • y u < 07 S ?= T 0 K? A _3 6- o t0 O p? O ij ?i ° n O T° A a O 0> O W G E o n '" O O n• m w w d» 'S]i V p C O ? g p° O N d° E Q n O_ O J A 7 w W O V: A O T p T y a c Y w c; m v g O_ m A O x »O '-0 p; 0 3 s = s 3 0 a. 8 0_ p a n - e T Z' 0 n (1OO-? n?go0?•3?` nJ?p?fOnicr?ooo?3 4*3 0 0 0' • c- 3 D i ° i m C A n T< s° 3 S- v» m T D_ c C? w - a A ? T4 ep' 0 ° c 0 0 3 o$• nom T? 7?o 0- ? 5 n 3 n' 7 o =,O= j 7 ° o ?0 gam c 3 o C 0 o n o° ° 3- o A O` o E o °°? m f Z o ° °-? ° ? n s O N 3 M o °e < m' 1C o c c c S m' m n 3 o 0 _ c o 3° T A o y o, o f n - o :o o o S c p ° o o, 3 0 ° f 3 (1 = c c o n o 03 c o `o o 3 T? Er (l ? O O n? A 2 ? m ?S 3 3 g a oD O 1 3 n f0 d O M. ,J- O O L. C m n V O k p O ^. n_ < n T O 0 0 1 (D _c o>>° 3v, a ? o ? 0 00• 34 CL c IF, -7 0? - 0. j i o to H - A Q 3 !0 o ° 3.3 p o f ;,,fin 0 0 3 0 0 a i o o O rl °^ 3 O ?„ 0 f i N° `. o 3^ -` E a. n N m C? m • ?,• ,° i o ; o0 'O 'n w ,? T o p n 0 'D 0 X rn n o 3 n c O `_ F o 2 - 0 , 0 '- - EXHIBIT "B" SHERIFF'S RETURN - NOT FOLD'`') CASE NO: 2008-0361 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND PENNSYLVANIA STATE EMPLOYfEES VS JOHNSON-HICKLEN CAMILLAH A R. Thomas Kline ,Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT JOHNSON-HICKLEN CAMILLAH but was unable to locate Her in his bailiwick. He therefore returns the COMPLAINT & NOTICE NOT FOUND , as to the within named DEFENDANT , JOHNSON-HICKLEN CAMILLAH A 7 PINE ROAD APT 607 MT HOLLY SPRINGS, PA 17065-1936 PER MOTHER, DEFENDANT NO LONGER LIVES AT THIS ADDRESS. NO FORWARDING ON FILE AT POST OFFICE. Sheriff's Costs: So answ Docketing 18.00 Service 6.00 Not Found 5.00 R. Th s Kline Surcharge 10.00 Sheriff of Cumberland County 0 39.0 VAN ECK & VAN ECK 06/26/2008 Sworn and Subscribed to b6fore me this day of A. D. EXHIBIT "C" Summary Report Indicators Important: The Public Records and comet ercfa available data sources used on reports have errors. Data is sometimes entered poorly, processed incorrectly and is generally not free from defect. This system should not be relied upon as definitively accurate. Before retying on any data this system supplies, it shout be independently verified. For Secretary of State documents, the following data is for information purposes only and is not an official re rd. Certified copies may be obtained from that individual state's Department of State. Accurint does not constitute a "consumer report" s that term is defined in the federal Fair Credit Reporting Act, 15 USC 1681 et seq. (FCRA). Accordingly, Accurint may not be used i whole or in part as a factor in determining eligibility for credit, insurance, employment or another permissible purpose under the FCRA. Your DPPA Permissible Use: Civil, Criminal, ?ministrative, or Arbitral Proceedings Your GLBA Permissible Use: Use by Persons (Holding a Legal or Beneficial Interest Relating to the Consumer Summary Report Date: 06/29/10 Reference Code: 46931-324 Subject Information (Best Information for Subject) Name: CAMILLAH A JOHNSON Date of Birth: 9/xx/1986 Age: 23 SSN: 182-70-xxxx issued in Pennsylvania between 1/111989 and 12131/1991 Others Associated with SSN: (DOES NOT usually indicate any type of fraud or deception) JOSE ALBERTO GOMEZ Age: Address Summary (Nf -Probable 00 N BALTIMORE AVE, MOUNT HOLLY SPR Neighborhood Profile (2000 Census) Average Age:36 Median Household Income: 600 N BALTIMORE AVE APT G, MT HOLLY Sf Neighborhood Pmfile 2000 Census A Median Household Income: 126 N PITT ST, CARLISLE PA 17013-2333, C1 Phone at address: 717-245-9612 EMERICK 0 Neighborhood Profile (2000 Census) verage Age: 33 Median Household Income: 307 N BEDFORD ST B, - Neighborhood Profile (2000 Census) Average Age:36 Median Household Income: nes Associated with Subject) MILLAH A JOHNSONHICKLEN )OB: 9/xx/1986 Age: 23 SSN: MILLAH A JOHNSON-HICKLEN SSN: 182-70-)o= MILLAH JOHNSON SSN: 182-70-)o= MILLIAH JOHNSON SSN: 182-70-)o= UILLAH HICKLEN SSN: 182-70-)o= A JOHNSON-HICKLEN SSN: 182-70-xxxx urrent Address) Bankruptcy: No 182-70-xxxx Property: No Corporate Affiliations: No PA 17065-1918, CUMBERLAND COUNTY (Apr 2007 - Jun 2010) c? k 21 Median Home Value: $93,700 Average Years of Education: 12 r? / PA 17065-1918, CUMBERLAND COUNTY (Mar 2007 - Apr 2010) Median Home Value: COUNTY (Apr 2005 -Jun 2010) Page 1 of 2 12 1,827 Median Home Value: $48,900 Average Years of Education: 11 3 Median Home Value: $72,800 Average Years of Education: 13 7 PINE RD APT 607, MT HOLLY SPGS PA 17045-1936, CUMBERLAND COUNTY?(DeQ C- A r 00 ?? Neighborhood Profile (2000 Census) N Average Age:36 Median Household Income: $(45,021 Median Home Value: $93,700 rag2 Yf'?OtJcatton: 12 512 1ST ST, CARLISLE PA 17013-1803, CUM Phone at address: 717-701-8906 DESHONG . Neighborhood Profile (2000 Census) Average Age:40 Median Household Income: 126 S PITT ST, CARLISLE PA 17013-3424, CUP Phone at address: 717-245-9612 EMERICK DA Neighborhood Profile (2000 Census) Average Age:46 Median Household Income: $ 7 PINE RD APT 607, MOUNT HOLLY SPRINGS Neighborhood Profile (2000 Census) Average Age: 36 Median Household Income: I COUNTY (Apr 2006 -Jun 2007) Median Home Value: $152,300 Average Years of Education: 13 BERLAND COUNTY (Mar 2005 - Apr 2005) ,672 Median Home Value: $94,100 Average Years of Education: 13 17065-1936, CUMBERLAND COUNTY (Oct 2009) 1 Median Home Value: $93,700 Average Years of Education: 12 https://secure.accurint.com/app/bps/rep,ort 6/29/2010 Summary Report https://secure.accurint.com/app/bps/report Page 2 of 2 6/29/2010 EXHIBIT "D" 08-3618 Y 70{U JuL " t Qr-i 45 NTY L Vrtl BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 2"-5201 PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff v CAMILLAH A. JOHNSON-HICKLEN, Defendant Attorneys for Plaintiff Pennsylvania State Employees Credit Union IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 08-3618 PRAECIPt TO REINSTATE COMPLAINT TO THE PROTHONOTARY: Please reinstate the Complaint in the above-captioned action. BARLEY SNYDER LLC Shawn Long, Esquire Atto eys for Plaintiff Pennsylvania State Employees Court I.D. No. 83774 i 126 E. King Street Lancaster, PA 17602 717.299.5201 it Union 2949654.1 EXHIBIT "E" SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith '?'? ataa?be? Chief Deputy Richard W Stewart Solicitor OFOCE Or RIFF Pennsylvania State Employees Credit Union I vs. Camillah A. Johnson-Hicklen Case Number 2008-3618 SHERIFF'S RETURN OF SERVICE 07/26/2010 Ronny R. Anderson, Sheriff, wholbeing duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Camillah A. Johnson-Hickle, but was unable to locate her in his bailiwick. He therefore turns the within Complaint and Notice as not found as to the defendant Camilah A. Johnson-Hickle. Req est for service at 126 N. Pitt Street, Carlisle, PA 17013 is occupied by a new tenant and they do not know the defendant Camilah A. Johnson-Hickle. To date The Carlisle Postmaster does not have a goo forwarding address for Camilah A. Johnson-Hickle. SHERIFF COST: $38.40 July 26, 2010 SO ANSWERS, RON R ANDERSON, SHERIFF EXHIBIT "F" 08-3618 BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 Attorneys for Plaintiff (717) 299-5201 Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW V. CAMILLAH A. JOHNSON-HICKLF-N, Defendant No. 08-3618 PRAECIP)K TO REINSTATE COMPLAINT TO THE PROTHONOTARY: Please reinstate the Complail t in the above-captioned action. BARLEY SNYDER LLC awn M. Long, Esquire Attornc, _ : )r Piai.1tiff Pennsylval;;a State Empl Court 1.1). No. 83774 126 E. King Street Lancaster. "A 17602 717.299.5201 Credit Union 2949054.1 EXHIBIT "G" G? SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Vg of u?bet Jody S Smith° ' Chief Deputy Richard W Stewart Solicitor OMC€CFTHE RIFF Pennsylvania State Employees Credit Union vs. Case Number Camillah A. Johnson-Hicklen 2008-3618 SHERI F'S RETURN OF SERVICE 08/27/2010 Ronny R. Anderson, Sheriff, who being duly swom according to law, states that he made a diligent search and inquiry for the within named efendant to wit: Camillah A. Johnson-Hickle, but was unable to locate her in his bailiwick. He therefore eturns the within Complaint and Notice as not found as to the defendant Camillah A. Johnson-Hickle. R uest for service at 7 Pine Road, Apartment 607, Mount Holly Springs, PA 17065 the defendant was not ound. On August 16, 2010 The Mount Holly Springs Postmaster advised Camillah A. Johnson-Hickle's new address was 1414 Bradley Drive, partment 312, Carlisle, PA 17013. However, current resident informed Deputies Camilah A. Johnson-Hi le has moved approximately two months ago. The Carlisle Postmaster has confirmed, Camillah A. Johns n-Hickle has moved and left no forwarding address. SHERIFF COST: $44.70 SO ANSWERS, 11,21 August 27, 2010 RON R ANDERSON, SHERIFF rr1 reun?„Suilc S-Ie.^`f. Teie.--soft. Inc EXHIBIT "H" Person Search My Accurint People Business Assets Licenses' Phones Courts People Advanced Person People At Work Death Records Empil Search Last Name First Ham., Middle Name Sam 1 F 182- 748 17 . include name?,vanrhrre= Street Address :Y CRY State d Ito i i.. Coumy Radius r Phone is r006 A Age Range ?I Reference Code: 46931-324 I Person Search Results Search Terms Used - SSN: 182700748; All Full Name SSN Address Page 1 of 4 24/7 Search and Technical Assistance 1-866-277-8407 NOME CLASSSC VIEW PRINT CONTACT US :. LIVE CHAT ! HELP SIGN OUT Recent Searches MyAccount No AtrivRy (Last 24 Hours) :.overag! ; Help, All Recent Searches Important: m!: PYn.k: per-d. arti.Pm ,arla!Iy Use of Recent Searches is subject to railsC4 ;iatl :»!:rtes ,:rMl Ir. ti!i. s•.5ttn! Rive otters. ewra; wn,m;mua anrtmd .mry. Pr::<e•sre Your Permissible Use selections. rif.:tE'r :er4; !.t eansraxy -ni tree tram ;I:e-lea urnU Hare Search Tips Did you know that the Advanced Person search will display household members when available? *Edit search r New Search ti :jr Print Results id Export to Excel ph... Nnr! Cla.e _______ 1. ...... .... _.... _._ ................ CAMILLIAH JOHNSON 182.70.xxerx .V 600 h BAL TIMGRE AJ APT , 717.486.784^, ... Relatives Gentler: Female MOUNI HO: Ll SPRINGS PA C53?91° .. .) 1:.>.r,_.•H00ell .' '"?'t ao: ^?• - Dac -n Neighbors v Setup Alen Associates Relatives, Neighbors & Associates People at Work ComP:aheris:ve Oche: eDOltf' R Rel-ri! Ender AddrES: ontaa D' Lear1i tlOtp A' -11 Reppr eport RepoRS RtNm :al Rewn P!(Art card ReMn le fa!, if?5;5: yOY::ie! Examp .......__.._._....... . 2. ._..._... .-_ ................... . CAMILLAH A JOHNSON HICKLEN 182-70-xxxx 61.1C, -AL.TI1A RE Ati 7%-. .. ._..... ................ _.... :7 0 6 F ... ..... ...._ ..... REldbves 1 'OL.Ly SPRINGS F• .r(i9.0 .. SeiuF Cart [ ., :: (:• P:eighbctr5 Associates Relatives, Neighbors & Associates People at Work ePOrti: ampret tr:4[ve .'.Jeer y.ypp Rr!ievinr. i IQ rinoer Address. i.anrati Lna'n hOw Att:Unnt Re(Y)rt? Report at4>,:rui J. RepM KeP,- Repart "card Rep- ci ylio Sete. Example' 3. CAMILLAH A JOHNSON 182-70-xxxx t.,). LiALTIM ..E: ASF A1 t17(15 -94;: Relative", GeMer: Female ! OPY 1. F?I: iGS V! 7},;-,. DOB: OSlxxn986 (241 Mir, Neighbcrt *'? Sct.rp Alert Assocales Relatives, Neighbors & Associates i P=_Ople at York report.: 1 rJ r .. 't M" R a 1'rhC X F 4 - 41.dr :•N r '! ?` ((.:L n t r A l' 1: Report ' ep-! Repots Reprrt R -It W Resort arn K4r,Cr! ,an a ,.. yo;r Se! Exampie .- 4. CAMILLA JOHNSONHICKLEN 182-70 xxsx C i l 'IM i -- 4'l Relate e- e Gene/ Female r: Female 1 J_Lt _FRN Gri PA C5n 9'.$ 1 "+ 1 ' _ DOB: f24; ,. r21 ghbprs .<a::,P =,ICA ^A•isociates RelallvEs, Neighbors & AS50oates People at Work ---------------- p n^Pret,rs..a ?.t- eports: ReF-,: qe[w>,.: Rea - R F .' er if A -k" Rt; nn if Rn(wrt tt ?.. ..1 R,.,IV 1 a. Al?r '. k P1I ?.I 5 Er1:1 CAMILLAH A JOHNSONHICKLEN 102-70-xxxx Gander Female : .; AL'I41 L a ?_:. v 'tJ - I I ' a5 F' R;Ia th,Pti . DOS: 09-0966124i Ne!ghbC!, Associates i j Relati,PS, ?Je+ghher ;; A ;;nciales Paople At V7ork 1 e Exam i'esj ? 6. j CAMILLAH A JOHNSON-HICKLEN 192 70-xxxt (i fi i r' (( ti'. ? RISC a v ? _.?i - - - kelauves Associates Relabvei, Ye!ghbrrs & Associates Peop=e at W.),k l pp l%Jrn1_ ; ,: .PP trtnp'PSj https://secure.accurint.com/app/bps/main 2/8/2011 Person Search Page 2 of 4 Won, Reports Report Report Report Card Report 7. CAMILLAH A JOHNSON44ICKLEN 182-70- ii ', 35 [J HANOVER ST # STS Relatives x CARLISLE PA 17013-3014 Setup .Alert 10 Neighbors Associates Relatives, Neighbors & Associates People at Work e a omprenertnve Octrc Retav:nt Finder Address Contact ? learn no. Ac-nn- Repo"' t Report Report t Report Report C-1 Re{gR Can aiSlst You See. EXampl _ 8. Ew CAMILLAH A JOHNSON-HICKLEN 182-70-xxxx 1114 EtRA.DLE'' DR APT 312 Relatives Gander: Female CARLISLE PA 17-313-1272 k Opt 1r. Neighbors aetuV Alert Associates Relatives; Neighbors & Associates People at work Compr ten a Other t Reiavlnt ?Q Finder & Address ??+//Contaa L-m hov. Arcurlrlt Reports a: ePor Report Reports Report Ll Report Report ?7 Cerd RE Ort r.an 'vorl: S"'Example. 9. CAMILLAH A JOHNSON 182-70-xxxx 1414 BRADLEY DR APT G 113 Relatives OanMr: Female CAP.: -ISLE PA'7013-1272 DOB: 09txx11986 (24) Apr ?i:. k Neighbors 11 v1 Al rt Associates up . e Relatives, Neighbor3 & Associates People at :"fork e s U COmpr ehers:ve tithe: PP.Id'aT. 1 (Q Fincc, Andres; fvc rtaa Learn I- Accu:;n. f'ieuwt' : po Report ?O Reports .i Reporc (.l nepprt ae °fud Reprt r1Tn ass ' it :See Exam ............. - 30. . ._._..._ ........ ...... ......... _ CAMILLA JOHNSONHICKLEN ..... . .... .... 182-70.xxxx . ........... _._.•` _•_P___-__... '4-4._BRADL.EV DR _APT.__ . _ . Relatives af1rY Gendx Female O08: 091xx/1986 (24) CARLI,,;.F.. A "0+31272 , r l"; - RS.f. +;; F:elg nborti Associates SM.p Alert Relatives, Neighbors & Associates People at Work C..'Prenen`[- SAer t yp Reiavlnt IQ Find. Address Contact I'Arn hnw A-ur:nt REpnr[_ epor s: Report Repents Report Report Repot Card Repo;t can assist' yr;u: See Exampie5 11 ? _._..._ ._....._ ._._... CAMILLAN A JOHNSON .. .._.- 182-70-xxxx --N- -B D. iRD BT 6 Rela[ivei Gander: Female DOB: O twl986(24) ARLI,:-F.A -701:1131( 'Aar OP- My 1 Neighbors Assuria tes 6e4:;r AJarr Relatives, Neighbors & Associates People at Work e orts: Re.1 ehen;VVe na y'p Re:la.:r r• l( F:c p}Add- VC-It a'r 1 ar hrx'A. 'nr Peemts Re p p r pets S'=Re{wrt Report Peport .-and Repo- "S>st rd.. Se. Ezdalpies 12. CAMILL A JOHNSONHICKLEN 182-70.xxxx J . D ON ;T Rela tlv.,; Gander! Female DOB: 09lxV1985 (24) 4.AR-I.,;.L YA .. Neight'o" Aisoclateti Reiabves. ^lelghbers & Associates People at YJOrk "ihf:• a rte: - R < Ye RP:dvnr 'y : r-.der lp Lt Ache>? - '.1 IPa..: ho A .:'-Rr nlr arm. pcrs R repert RPp:in Ra"I - , d 3.Pv::. a s;c! y See EXT.in{fE. 13. S' CAM ILLAH A JOHNSONHICKLEN 182-70-xxxx ":"; ")J:'r'I Relatives Gendw: Female I;nk:ISLE PA )1"s-1'vtn DOB: 09)%x!1985(241 ..dr .!*-'Aar r: NeignbCr. A ,r,oa(e .;'?t.Akn R Iative- J Jgh bCr< '. „eCiales P?oDit' at jerk 'Reports: x V. ?, ha: ev'.nt z ra Aok^s; ? ` . A 1.•,r. ! V:::!:; ?c•:t Poll: Rf:>.;rr. ? .-r ) S F.za uN;as 14. ?T CAMILLAH HiCKLEN 182-70-Kwx v kYc t 5 j Gender: Female ;,: %,P_?5'_E PA 7u'- -1?ic t e Assxiates Reiauv?s. `Jeighbol5 & Assoaa[es People at `NOrk e orts: R . p' P ? ,,e ne• - 2ela.:n! IQ F. 'er ddr¢5, Rrr )r R.l <:: :'. r RPJ?);t RPPrxH .:.) R:., vr'. 1Pt Exa ,pir5 15. CO°? CAial JOHNSON HICKLEN 182 70xxKx s h DFOR ST .' t.. 3u. EST Pe r'ti•: Y' Gender: Female 1F 1 E Pa 70-3. 1,40"g tbo", _r*?c mien Assocates I Rela Lwes, Neignbory ?. noSxia tYS '-Ow .): WOrk https:Hsecure.accurint.com/app/bps/main 2/8/2011 Person Search Page 3 of 4 ! U Compnehens;ve Qk Outer Repot Reports yZ Relavlnc Re rt Ip Finds, Repon ® Addess Repot VC-tact Card Report can assist you:Sae fzampl 16. CAMILLAN A JOHNSON41ICKLEN 182-70-xzxx Gender: Female 10 7 PINE RD APT 807 MOUNT HOLL (SPRINGS PA ?7085-1935 Decd - A 1 rs 717-48F.7642 JOHNSiiN ("VreN :?'..v Relatives Neighbors Setup AIM Associates Relatives, Neighbors & Associates People at Work lpwh: U CpmPrehens+ve .FEZ R ?O R! M 3j RelaHrit ReIl P:der Report ?I Mdres, Re. lvc matt card PepOR Leant how Accu,`:nt Report t;an Issis'. vou, See ExdmpJe? i 17. CAMILLAH A JOHNSON 182-70-xxxz 7 PINC RD APT lJ7 717-4667642 Relatives Ge der: Female DOB: 09lxx71986 (24) IAOUNT HOLLY SPRINGS PA 17065-'936 .._ ..,, :,.1 ;F0t7 rw_tlD0i3 Neighbors Alen 10 S nu Associates p Relatives, Neighb015 & Associates People at Work !plrts: Comprehdt - `. other Repot `Y R/PO Relav:nt Report Finder Report Address Report Contact Card Reper, tpa:n how Aaur:n!: RPpnrt: :.;r'i as Sts( yo:l: See Example 18. CAMILLA JOHNSONHICKLEN Geder: Female DOB: OWxxn986124) till... 7 PINE RD APT 6'17 MOUNT HOTLY SPRINGS FA 1 .065-193- _...... 17-468.7842 Relatives s Neighbors. V Setup Alen Associates Relatives, Neighbors ID Associates People at Work !ports: CamprenensNe `1? }r.-?? Other Repot Repors Relav!nt RP{w!t fQ Flnoer k./ RE(Art Address per-t a?itontM x?C-1 PA ..^• Learn I':ox Arca.l;!n; Report. "an issi5' -,l $eP. Exam iCC 19. ( CAMILLAH A JOHNSONHICKLEN 182-70..... Gelder: Female DOB: OWxx71986(24) Pi NE APT C0 O:J .T -L'7 SPRINGS PA .,.n... 17 lsr' a.'.1 -? ?. ... .?. Relatives NeighthXs 3c.w>:Jen Associates Relatives, Neighbors & Associates People at work Porte: e omprehers:ve oiler keport Reports Relav:nt Repoit Finder kepon a0 Address i Report Contact card Report Lenin I— Accunnt RP C can a??sist you'. See Example 20. CAMILLAH A JOHNSON Gender: Female 182-70-zxxx 5121ST ST CARUSL.F. + A, 17013 1t-J3 Relatives DOB: 09Lxxn986(24) Feh .y; .:;r.;;> Nel9h0or5 S:.J Setup Alen Associates Pelatives, Neighbors S Associates Pe0ple at Work Reports: CN:ipT.hEri!VP '"? Otter P.Par• `^O Rep.- y}?? Reiav.n+: .Trt Rexrt "Q fief.P.r 6,.7r Reporx i*j Ald, e-1. ter Report d !tepv:a rir' Rs.ppl ,I. ti,x Exam e 21 ? ._ ....... .... ......___._.____.__._ ._.. _. ___ CAMILLAH AJONNBONHICKLEN 182.76xxxz Gender Female ....__ ...._ ?715 ST CIAR.- IS F P < , 1_ ._-._ - ..._._....... ......__. _..._........ ... ..___ _ ."_...... .__.._.__ ...._._._...._._..._ R IdtIVE DOB: 09/xx.1986(24) '•? Alen AIISOcates Relatives, Neighbors & Assocates People At L9ork e Porte: '? n"F -..v.t C•hs, Pepr' ? Repors P:a'+:n! kopc:'t rye 1.,d 4sf Rei?'t 'u:dres 0.v.11-1 1.1-1 t ?'-d .ar ke- -_ 1 -. i.. f :. r .N':•- f xe Exa * p!es 22. CAMILLAH A JOHNSONHICKLEN 182-70.xxxx "f SPI S? R l (- ? Gender Female AR lS C i ,, , ., e s DOB: 09/x%!1986 (24) 1 i .,.. y ., e e d bon-' 4t S e: ,n :,hen wue La=. ' Rela UV2s. Neighbor,, 3 Associates I IRe Orts. l p :,r i o;..;ati,.n: r:. er F .:1 e:• - 4 ,. ,,, R• kef n. 4 lxr[< Sz ?e::,c:1 ,..? Rep::r; CcP..v,i . , d 4_pv-. •..:: r ?e Lxd p...i f 23 _._.__._.... _. ......._ ._____._. CAMILt AH A JOHNSON _. .. _ - 182.70 xxxx ?t ... _.. _ R t . _ .......... ..... ccwr Gentler Female '. ik IS L '. 7 s 14"-'4 i a7re , DOB: 09:%x;1986(24) .., . °A:tr r:s. r (reig hbc r? 1 1'°'F :? :sip Alr,t AS:i;,C.ia let i !I Relatives, Neighbors 9 A;SOCiates People at v+ork R t• F :.': ? A[ Ir':•.:: ? F.e Epo Rpix:'ts 4opo: Ge.art Pe.nlt a 1 P ., SP. EY4'.tl .e 24. CAMILLA JOHNSONHICKLEN 182-70 xxxx f 11 - ST _ - cos GY.mder:Female R ..L-l.'-; 0'. 13424 kP .:lr: c': DOB: 097x,11986 (24) .,. ?.. . - Neighbors L; t•:,p Alt-n ?..aatey RP!.: L1VP'.i, "l2iq lth CrS 4 ASSC(.,atPS cP?l;:r 3T SYO-t https://secure.accurint.com/app/bps/main 2/8/2011 Person Search Page 4 of 4 (sew Comprel!enslve Report other R"MS if Re!avint Report Finder R.epwt jF Ad+tros, Report CA W Card Rtpcrt Lw- h.+w Aca!rnt Refwrt ian a,sis: y,u'See E%emplE 25. JOSE ALBERTO OOMEZ 1e2-70-xxxx 305 DESIRE ST Relatives Order: Male CHARLOTTE NC 2SX2-2550 .WIN . Jar! J2 Neighbors Setup Alert Associates Relatives. Neighbors & Associates people at Work eP?t Cornp.ehen.+ve Report Other Rw ds keiaNnt Report Flndtr ?+Y R aldre!a klpprt oMM ?Car? PepO:t I.ea!'!1 h,- Accurint Peports :'an assist you:See Exam I .. d EditSearch ?>• New Search ?„JPrint Result. A Export to Excel Your OPPA Permissible Use: f-iyj4, -' 'n: y n itr x r '. r n' b'r'as Your SLeA Permissible Use. a Lyel n ft' -f. l ins Jahr;,l -, te Un;:m+e LLXISNeXIS• "Haut I.ezisNex!s I Ter!.., & Cond-- ^.opyripht; 2011 Le-Nexis Risk SoWt-s. All lights reserved. https://secure.accurint.com/appibps/main 2/8/2011 EXHIBIT " I" ?t??'RQ?KQt?? AAY Qv EKE' 241t?E? t? ?,?It? t9 CQUN?? CUMB No A>~tl A BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. CAMILLAH A. JOHNSON-HICKI EN, Defendant 08-3618 Attorneys for Plaintiff Pennsylvania State Employees Credit Union IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 08-3618 PRAECIVE TO REINSTATE COMPLAINT TO THE PROTHONOTARY: Please reinstate the Complaint in the above-captioned action. BARLEY SNYDER LLC Shawn 1W. Long, Esquire Attorneys for Plaintiff Pennsylvania State Emp1' Court I.D. No. 83774 ?? 126 E. King Street Lancaster, PA 17602 717.299.5201 Credit Union 2949054.1 EXHIBIT 6 191 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff 6.°?of cumber Jody S Smith Chief Deputy Richard W Stewart Solicitor oITIcEOFone SHERIFF Pennsylvania State Employees Credit Union VS. Camillah Akea Johnson-Hicklen Case Number 2008-3618 F'S RETURN OF SERVICE 02/28/2011 Ronny R. Anderson, Sheriff, who being duly swom according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Camillah Akea Johnson-Hidden, but was unable to locate her in his bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant Camillah Akea Johnso -Hicklen. Request for service at 600 N. Baltimore Avenue, Apartment G, Mount Holly Springs, Pennsylvania 17065 the defendant was not found. Per phone call with the defendant she advised Deputies he is currently in Atlanta, Georgia. SHERIFF COST: $45.60 February 28, 2011 SO ANSWERS, RON R ANDERSON, SHERIFF ;d; cc'cr;Suite Snen`t. Ie!aozoit. Irk. EXHIBIT "K" Person Search Coverage ; Help? 24/7 Search and Technical Assistance 1-866-277-8407 HOME CLASSlt VIEW PRINT I CONTACTUS LIVE CHAT ! HELP 1 SICN OUT My Accurint People Business Assets Licensesl Phones Courts PaoPta Adeanced Person People At Work Death Records Email search Last Name First Name Middle Name SON rte- F-- r- 18277"748 f I x7uA! name va at: ms (? 1lRree?t Address City stt. I F - County County Radius (Phone Dos" Age Range i- I . ?? 1 i- [ncr rdQ Bank;,:ptaes Reference Code: 46931-324 Person Search Results Search Terms Used - SSN: 182700746; All Full Name SSN Aedraca Import M 1, F e F .I M- n Y a ly -10-C to d ties .,. a'. .r rs. rat-3 b -" P-n P -sad M Kt:Y d^t' s ,el £rafry ^ I / - r :N1G1 Read M- Page 1 of 4 Recent Searches MyAccount Pelson Sea... 200-62-xxxx All Recent Searches x Use of Recent Searches is subject to your Permissible Use selections. Search Tips Did you know that the Advanced Person search will display household members when available? ,..., s? i ro L .! 25 ; f Edit search P New search luprint Results dlExportto excei 1 ._....-. ._._.. _ ........... __... CAMILLIAH JOHNSON Gander: Female 182 TO xxzx 800 N BALT.IM RE a APT IAOJN' i•O,A Y bi 11..,,,S 1A .,Wi 91P 117 485 F ... iNSON ,. ?: : 1.., , . Relatives S£!.ap Alert !JCS •^•7 .. L)iM . . Neighbors Associates Relatives, Neighbors & Associates People at Work reports: U CompreM--e QM_r Report Reports y? Rllavmt .i= RaPat FrWer Andr-i Re Report loc. ntart C.,d RQOOr•- Lean I".. A U int Repor - assist you: See Exampleos 2. CAMIt1AH A JOHNSON-HICKLEN 782-70xzxx Mr[ seFJp Alert 600 N BALTIMORE AYE 17061, MOUNT HOt.LY SPRINGS F•A 1706.5 14'.P AFi :)? .. 'YC L''I 717-466 i842 .....SOri N00: "N ... Relatives Neighbors Associates Relatives, Neighbors & Associates People at Work eports: -P.rel.-ive fJtQr RepLrt Reports y9??Reia,in S=kepon l1@ Finder Adl-t Eli'? Report RepuT Cpnracl Card Re[4:':- Learn how Al?u.^.m Re(Nurr ran assist ycu:5ee Example 3. CAMILI_AH A JOHNSON Gentler: Female DOB: 09/xxn986 (24; 182-70-xxxx ? 6W `; BAL:TIMOPE Alit -PT 'it-55 MOUNT H.-,._[.V SPPINGS F'A 17061:-'616 !Aar rr: -.46 7+352 .- u uYr'r r; =• Relatives Neighbors S Nip Alen ASsociates Relatives, Neighbors & Associates People at V101'k .Part.: 3 C I £: ..rr. ?1 Tne" Reppf ?a kQV%'ts Gelavn,l RQpyrt FcC:r At J ?. YiY kQ;ytrt ? 4£)ort aC 1 i-t i l iftl. S' V? t,'SCl F.Xa'l1UiQ`' 4. CAMILLA JOHNSOtiHICKLEN Gender: Female DOB: r19/xxn5%f2a1 182-70 xxxx 6N. N L'IM JtF ?'. 7ti'1 MOUNT ..:,,,LY : PRiNG, PA ("5 9'8 M, u7 .. , 1 •• .. Relative,-, Neighbors *'* SQt?p F,len 1,550oates Relatlv95, Neighbom & ASSCCIates i People at work eparts: [.? a r s,vx RIQ' 3 .r _ kQ:av;nt r£prrt (Q Fmdcr l? Re[Wn it kep?+t iL'_ifC act ieJ 2...,4= l..a. ho 'k. a.R?p Ort.. ,. ,nsc.: y u. SQQ Exrmpi=_. s. CAMILLAHA JOHN90N1/ICKLEN Gander Female DOB: 09-11986 i24i 182-70-xxxx 600t, s1L7I'Vl L t - •'T it J IN'- -iOLLV PA J 9 -11' e4 ,. .,......, . Rrldtive5 ibcq- Neig' ?-' setup aetl I Assocates Relative,, Neighbors g Associates People at Work lPOrti -.: [: U iRtl.. r.: eV::: 4t W1tt AVJ .s kc.Ur( E J.rrr? t -'?. 1 - 1 t':; S t: n. ken<':r!S i .age EYa(11vie. 6. CAMILLAH A JOHNSON-HICKLEN Se, 182-70axxx 5'4 fi_._.. e P IS E -A",70'3 233, gRelaUVe s ASsocidte, Relatives, Neo4hbcrs & ASSOClates peopze at Wo,k l c': rY>r rI Jr s; ? .,-r. a,_ --- ------ -- - '.: Rr o„ , o a st y , ee F-Tiie5 https://secure.accurint.com/app/bps/main 3/3/2011 Person Search Page 2 of 4 Report Reports Report Report Report Card Report 7, CAMiLLAH A JOHNSON-HK:KLEN 182.70-xxxx 35 N HANOVER ST # STS Relatives w' CARLISLE PA 17013-3014 Setup Alert Der. 10 Neighbors Associates Relatives, Neighbors & Associates People at Work sports; Comprei'arlswe R Omer [ y1 Reuil Folder ®Address a•!ACanrau Learn how Aci-nt RePa' PAPwt ?Y Reports i><Pepwt Report Retort °i Cary Report car, assist you See Exampl S. CAMILLAN A JOHNSON-HICKLEN 182-70-xxxx 1414 BRADLEY DR APT 312 Relatives Oar)da: Female CARLISLE PA 17013-1272 y Oa 10 Neighbors w Setup Alert Associates Relatives, Neighbors & Associates People at Work epoll U Comommrslve Other if Relavinit Flrrda A ddress rontaa Learn how Accurint Report, Report Reports Report Report R Card Report car, assist you: See Examples 9, c rv CAMRlAH A JOHNSON 182-70-xxxx 1414 BRADLEY DR APT GI 13 Relatives r Ganda: Female CAR: ISLE PA 17013.1272 DOB: 0QN0986 (24) At,, 1;; . n?a, 1:; Neighbors "'r ehrp Alert Associates Relatives, Neighbors & Associates People at Work a?rtr: ? Comwehem,ve lY 3 p1 y9P Refav+nt z ??j Fmder Arl: sr 10 Canatt n Nov; A! Lea cur-,n, Report Repot Reports 3 Report bA{ Report Report Card Re Port assist can out Exam See 10. CAMILLA JOHNSONHICKLEN 182-TO.xxxx __._.___.__.___...._......_. :.414 BRADLEY DR APT .....___. Relatives Gander: Female CARLISLE PA 17213-127- DOB: 091xx/1986 (241 P[r [li _ Mai }; Neighbor }? Setup Alert Associates Relatives, Neighbors & Associates People at Work 11 Omer epprt#: Wmprnensive Zg ReMVlnt (Q FirMer Address Car:tact Learn it - Atcurmt Report, Repot Reports Report Report Rep- lard R, can assist y ,u: See Example 11 ................. .._.._ CAMiLLAH A JOHNSON 182-70-xxxx ..... ....____ 307 N BEDFORD ST 6 __._....._... ..... Rel ti Garbler: Female CARLISLE PA 17013-1910 ves a DOB: 09/xx11985 (24) :Jar rn _'A?v 10 Neighbors Alen Associates Relatives, Neighbors & Associates j People at Work sports: Cnrrt^-ehens:we ?hY R ?r RNa+n `Z , ?rr?+?a Flnnx Acores: ? >r.;aa ? Learn heir Auu inr RaPPrt. eport ReW'tS Rep rt WWr R¢pwt ,.-It Card ?.-t Can as: iSt YVU:See Ekdnipl 12. CAMILLA JOHNSONHICKLEN 182-70- xxxx ':r N B' t ? ST ----_._.______........ _ - R l t tmv Gender: Female LLA CARiJ`iLE +'n 1 701 3-1516 e a ives DOS: 097xx/1986 (24) i st31 2S .Mar Of• Neighbor' 4:d Setup Alert Associates Relatives, Neighbors & Associates People at Mork ii ,lU . 11l' Reports: ,a .'-+r R Rear:n.: 'gam T Flory Ad:lrei, a<I i. a'n ha, A . t t Re,iPrtt. Wr RGPCr= i . Pepq'[ fief rx1 Rep4n C. t1 Rep .-- ! asti!S, :See F.zamPie. ?13. fir' CAMILI.AH A JOHNSONHICKLE.N 162-70-xxxx _ ^v n; Relati es ` B F -.le AR 19 E a;- .: 7;3-7310 v ! DO : 0 Do e: 29 - n986 R4; . v1::r r fieignbcrs j ;^^$$ V 5F_u[, Ner j Associates ! ,.. Relatives, Neighbors Fi Associates , People at Work Qa Parts ..t..k°Si , M ? I ! - :: r ?: Reports ( r.l r:,r,? v+q??r(:1 !i Ff,Jnrt It•' FF:).Irr - - ,i r1'1> ., ?iee E%a n1U:e: 3 ' -AMILLAH HICK-LEN Ge der: Female 182.70-xxx% PIS E -A i 1?iV , -??-- --_- e5 RF?I e t Ne antrars j ;._. c Alert A,_ouateS Relativ*: , Nel9hbcra & ASSOUdtes People at Work eParts Rr ,g', yy??tea.:n1 3= ??(('2? t d r wires. ' ® a t L. t k!p , R [tort r: Fe fi ,ron G.t Re:»r _s .1 3.-:w..: ,. rn we Exa mPie` c- 1 is. S' ` CAMI JOHNSON-HICKLEN Ganda female 19270-xxxx 10 y D OP' ST E -113 1G11 'AR! 13_ V ;.'- t ;185-EST Relatives 7 j .i .. ?. ...I?.n t 1:., I rFlg biYS I j Associate' j R lat,es•. Neighbors S Associate= "eoV:e at Work I https://secure.accurint.com/app/bps/main 3/3/2011 Person Search Page 3 of 4 ! !: C='enslve Other r?Re i I?? ?Ad4ess 10COnart can assist you: See Example. Report ReP"M ?i Report t t6J Report Cb d Report 16. OP CAMiLLAN A JOHNSONJ/ICKLEN 182-70.xxxx 7PINE RD APT 607 7;7-a&°-7842 Relatives G nder: Femek e MOUNT HOLL Y SPRINGS PA 17765.1935 ,iO%+N5C94 :.;YdFNisJtY } ? l:2 Dec Oi - Ap, 03 Neighbors Setup Alen Associates Relatives, Neighbors & Associates People at Work eporls: eemprehens:ve Other 31 Rela ant ?,?/Q( finder Atltlre , Cwrtact Learn how Acalrlnt Retort . Repot RepM $ Report 11mI R t R Card Retort Can assist IOU:See Exampt 17. CAMILlAH A JOHNSON i-Y 182-70-xxxx 7 PINE RD APT 607 717485.7£42 Relatives Gender: Female MOUNT HOLLY SPRINGS PA 17065-1936 ,) HNSON GYr-NDO_,' DOB: 09And1986 (24) ntc 77 Neighbors w SMUG Alert Associates Relatives, Neighbors & Associates People at Work lpeftt Con:pWiers- Other ' Iyf?,ieawnt If (Q Fnder Addntzs ciir, x Learn hm ? Amu-? RP.pnr Report Reports Report Report Report Card Report can assist V,,.: See E.xartlple. 18. CAMILLA JOHNSONHICKLEN 182-7O-xxxx 7PINE RD APT 607 7-48£-7842 Relatives Gard-: Female MOUNT HOLLY SPRINGS PA 17065-1u36 _ )HNSJN Glad+IE; B: 09/xx71986 (24) DO Dec v! Neighbors '? D0 Associates SeivP Alert Relatives, Neighbors & Associates People at Work eportr Q Comprehensive t? odcer Reiavint (Q Find- Address W' Contact Learn how Accurint Reports Report RePmts Report F Report Report Card Report can assist Ycu: See Exam le. 19. CAMIL.lAH A JOHNSONHICKLEN c4PV 182-70.xxxx 7 P;NE RD APT 607 717-486-7342 Relatives Gard-: Female b1OUNT HOLLY SPRINGS PA 170--i'__a JJHr;50:'7 r?44=!JP?Lt DOB: 09IxxM986 (24) ec.37 Neignbx:rs 10 Setup AI. d Associates Relatives, Neighbors & Associates People at Work omprerrenz:ve OGJ1sr reports: C Rel -,, Ender Address VC, Lee?o o A C P.epat Rep6.^.s ' Report ?j Report Repot Card Rem,. card ' See EXampl L can a s St U YO 20. CAMILLAH A JOHNSON 182-704xxx 5121ST ST Relativ Gend-: Female CARLISLE PA 17013 1603 es DOB: 09hx11986 (24) Frh 06 .IUn C7 Neighbors ^^ Setup Alert Associates Relatives. Neighbors & Associates People at Work nprC..EnSve w,er epwrts, R 3g aravmt T= (Cg Fmdx " Address B an>act L11111111.. Allu R•.p,n.. eport Re parts . Repoli (z J Report Report "I Card Repo: EC ;:an :,Sic. veu:See xample __.__......__.... ...... _....._.._.____._..__. CAMILLAH A JOHNSONHICKLEN 21. C°v 182- 70-xxxx 121ST ST 512 - ..... ................_.._.....__......_....... _....__ Relatives Geder: Female CARLISLE PA 1701'-180's DOB:'l9?W1986 (24) Mac 00.. F- n? Neighbors >ll%ip Alen ? Associates Relatives, Neighbor; & Associates People at Mork rts: C . r er,.v< loch^' Repo If Re1a+ant If ?Q Ender .ndres; ® (an:r_t .. :m F.!pilris I ..1 " I, P.P. Rep- Reacrt (ice Pepnrt fe? Card Repo^. ail J_>iS1UUSC_ EkamP,l'S " 22 CAMILLAH A JGNNSONHIC KLEN 782 70 xxxx I T ST R l Gender. Female (AKIS (,A_IS,.E PA :?,). , atives e 09/xx/1586(24) DOB: Neight);r,s , P?r1; =ten Associates Relatives, ^leighbors & Associates People at S'lprk ' ?) [ :;:r• - - eports: ? ? - pr Re - o R,.; Finder ; A y+es!. r .. I t 1 k rf.. p , R_i 1 •:= R4L11a F,1r Reix'•n ISI ReOv,1 I Report ee Ezd 23. _ P CAMILL AH A JOHNSON CO 182 I0-xxxx ! F'I "I ._ __.. _..... __._...1 R Id hve` Gentler E? ale 1k IS- E _ i DOB: 09/ +1986,24 an r Am 65 Ne,ghbC,s ' 4J - -4 A"ll Associates Relatives, -Neighbors & Associates People at Viork epor - ta' I ',. t r. s:.,,. :_ c.:hr- R yP RElav+,t F der ? MJ-s.: 3:. ? I b :n kdt. ep:v Rot'/,^•s r Repvn Pe-'t Pe.,inrt r-ar] scat ,. IS. J ,+.5Ezart, iP 24 - CAMIL. LA JOHNSONHICKLEN I132-70-xxxx `f I-I -; I Relal,e; Gender Female P I S' L -! J;.; 3424 DOB: 091-,,:19%124) M_a 01, . Ani -„ Neighbors t'. .. [.a..:,lean Assc'clat- ' R01apvr:;, Dle+ghbor5 & ASSOUate> veen?e at n'or? ?., https://secure.accurint.com/appibps/main 3/3/2011 Person Search leporte: Compretknsive %Other asp RebtMt Report Reports Report 25. JOSE ALBERTO GOMEZ 102-Oxx Gende: Mae 10 Soup Alen Finer Address contact Repot Report Card 0.e 305 DESIRE ST CHARLOTTE INC 28262-25 .e:l r..? - W. u2 Your OPPA Permissibia use: :'Ivi1 CriT:nal, :,dr:;in::uanve or F.-bi,rai . ed:ngs Your GLDA Permissible Use: Pers:xrs H:rding a L^_gai or beneficial Interest' 1=j 10 the Con>umer or LeXISNe.XjS. .x t t xistlevs I Terms & cwrdidars j opy -pht °y' 2011 LexlSNexis Risk Solutions. All rights reserved. https://secure.accurint.com/app/bps/mdin Page Learn how Accurint Relatives Neighbors Associates Relatives, Neighbors & Associates people at Work 10 Address ontact Learn how Arcu:lnt Repor Report Card peport can assist vou:See Examoh vn;0.rs. 110 z5 of 25 72s Edk Search P New Search "Prldt Results A itirport to Excel 3/3/2011 08-3618 BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 PENNSYLVANIA STATE CREDIT UNION, V. CAMILLAH A. JOHNSON- AFFIDAVIT IN SUPT ORT OF PLAINTIFF'S MOTION FOR SERVICE PURSUANT TO SPECIAL ORDER OF COURT COMMONWEALTH OF PENNSYLVANIA SS. COUNTY OF LANCASTER SHAWN M. LONG, that he is the attorney of record and that the following is an i Defendant, Camillah A. Jolu Pennsylvania Rules of Civil ICE t HONOTW . + w . 1? PRO ?t?! I I??R ! 0 A"? I1 ? 30 'UMBERLANYAO U1 TY ?ENNSYL S Plaintiff Attorneys for Plaintiff Pennsylvania State Employees Credit Union IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 08-3618 LEN, Defendant IRE, being duly sworn according to law, deposes and says r the Plaintiff, Pennsylvania State Employees Credit Union, i tion of the efforts taken by the Plaintiff to locate the i- icklen to effect service under the provisions of the without success. 1. On or about June 6, 2008, the Sheriff of Cumberland County attempted service at 7 Pine Street, Mt. Holly Springs, PA 17065. 2. The Sheriff's retu indicates "Per Mother, Defendant no longer lives at this address. No forwarding on file at Post Office." 3152483-1 08-3618 3. On June 29, 2010, jPlaintiff performed an Accurint search on www.Accurint.com. The address listed on the Accurin} search is 126 N. Pitt Street, Carlisle, PA 17013. 4. On or about July 2 , 2010, the Sheriff of Cumberland County attempted service at 126 N. Pitt Street, Carlisle, PA 1 013. 5. The Sheriff's retur-i indicates "...126 N. Pitt Street, Carlisle, PA 17013 is occupied by a new tenant and the do not know the defendant Camillah A. Johnson-Hicklen. To date the Carlisle Postmaster does of have a good forwarding address for Camillah A. Johnson- Hicklen." 6. On or before Aug st 10, 2010, Plaintiff performed an Accurint search on www.Accurint.com. The address listed on the Accurint search is 7 Pine Road Apt 607, Mt. Holly Springs, PA 17065. 7. On or about August 27, 2010, the Sheriff of Cumberland County attempted service at 7 Pine Road Apt 607, t. Holly Springs, PA 17065. 8. The Sheriff's return indicates "...7 Pine Road Apt 607, Mt. Holly Springs, PA 17065 the defendant was not four d. On August 16, 2010 the Mount Holly Springs Postmaster advised Camillah A. Johnson-Hi klen's new address was 1414 Bradley Drive Apt 312, Carlisle, PA 17013. However current resi ent informed Deputies Camillah A. Johnson-Hicklen has moved approximately two month ago. The Carlisle Postmaster has confirmed, Camillah A. Johnson-Hicklen has moved and eft no forwarding address." 9. On February 8, 2011, Plaintiff performed an Accurint search on www.Accurint.com. The addres s listed on the Accurint search are 126 N. Pitt Street, Carlisle, PA 17013 and 600 N. Baltimore ve. Apt G, Mount Holly, PA 17065. 10. On or about Febru ry 28, 2011, the Sheriff of Cumberland County attempted service at 600 N. Baltimore Ave. Apt G, Mount Holly, PA 17065. 3152483-1 08-3618 11. The Sheriff's retuT indicates "...at 600 N. Baltimore Ave. Apt G, Mount Holly, PA 17065 the defendant was not found. Per phone call with the defendant she advised Deputies she is currently in Atlanta, Georg a." 12. On March 3, 2011 Plaintiff performed an Accurint search on www.Accurint.com. The address listed on the 13. The Plaintiff has e A. Johnson-Hicklen. Sworj to and subscribed before n this (hft,-,dav of Notary Public My Commission Expires: meiw seal Cd"W M. Domes. Notary POW lfl of L AMOK, 17.2013 search is 126 N. Pitt Street, Carlisle, PA 17013. all reasonable efforts to serve the Defendant, Camillah 2011. 3152483-1 08-3618 HIE PROTHONOTAR". 2011 PEAR 25 AM 11: 05 CUMBERLAND COUNTY PENNSYLVANIA BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. CAMILLAH A. JOHNSON-HICKLEN, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 08-3618 PRAECIPE TO REINSTATE COMPLAINT TO THE PROTHONOTARY: Please reinstate the Complaint in the above-captioned action. BARLEY SNYDER LLC awn M. Long, Esquire Attorneys for Plaintiff Pennsylvania State Em oyees Credit Union Court I.D. No. 83774 126 E. King Street Lancaster, PA 17602 717.299.5201 2949054.1 D ??? ?lD•ofl ? Q 9_46-a-5, b g? BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 2Q1! APP 27 PM 2: v CUMBERLAND COUNT" PENNSYLVANIA Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. CAMILLAH A. JOHNSON-HICKLEN, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 08-3618 VERIFICATION Kelly Cunneen, hereby verifies that on April 1, 2011 service of the Complaint was served by publication upon the Defendant, Camillah A. Johnson-Hicklen, in accordance with Order of Court dated March 11, 2011 in The Cumberland Law Journal and The Sentinel. Proofs of publication in The Cumberland Law Journal and The Sentinel are attached hereto and marked Exhibit "A". BARLEY SNYDER LLC Dated: April 5, 2011 By Kelly Cunnee#, Paralegal 126 East King Street Lancaster, PA 17602 717.299.5201 31950491 EXHIBIT "A" PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND ss. Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz April 1, 2011 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. sa Marie Coyne, ditor SWORN TO AND SUBSCRIBED before me this 1 day of April 2011 Notary NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE BOROUGH, CUMBERLAND COUNTY My Commission Expires Apr 28, 2014 CUMBERLAND LAW JOURNAL NOTICE In the Court of Common Pleas of Cumberland County, Pennsylvania Civil Action-Law 08-3618 PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff VS. CAMILLAH A. JOHNSON-HICKLEN, Defendant NOTICE To: CAMILLA A. JOHNSON-HICKLEN You are hereby notified that on June 17, 2008, Plaintiff, Pennsylva- nia State Employees Credit Union, filed a Complaint endorsed with a Notice to Defend against you in the Court of Common Pleas of Cumber- land County, Pennsylvania, docketed to No. 08-3618, which has been reinstated, wherein Plaintiff seeks to enforce its rights under its loan documents. Since your current whereabouts are unknown, the Court by Order dated March 11, 2011, ordered no- tice of said facts and the filing of the Complaint to be served upon you as provided by R.C.P. 430(b). You are hereby notified to plead to the above referenced Complaint on or before 20 DAYS from the date of this publication or Judgment will be entered against you. NOTICE You have been sued in Court. If you wish to defend, you must enter a written appearance personally or by attorney, and file your defenses or objections in writing with the Court. You are warned that if you fail to do so, the case may proceed without you and a Judgment may be entered against you without further notice for the relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS NO- TICE 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 INFORMA- TION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A RE- DUCED FEE OR NO FEE. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 (717) 249-3166 SHAWN M. LONG, ESQUIRE BARLEY SNYDER LLC 126 East King Street Lancaster, PA 17602 (717) 299-5201 Apr. 1 PROOF OF PUBLICATION State of Pennsylvania, County of Cumberland Jackie Cox, Retail Sales Manager of The Sentinel, of the County and State aforesaid, being duly sworn, deposes and says that THE SENTINEL, a newspaper of general circulation in the Borough of Carlisle, County and State aforesaid, was established December 13th, 1881, since which date THE SENTINEL has been regularly issued in said County, and that the printed notice or publication attached hereto is exactly the same as was printed and published in the regular editions and issues of THE SENTINEL on the following day(s): April 1, 2011 COPY OF NOTICE OF PUBLICATION 1;,less-ffian too 1300 C model: I; 2009 Dyna aarl s8ri; 5;1300' & Hines, Stage bar, luggage 14;000: Cartiste & weekends. l Custom. Runs )n. Needs' )loo. 440-5963. I Excellent 717-448-4109. ,lean-700. Runs )mpg. $1,475. .$3500. Can nco 150. -$.1,995. Cal! 1o 250.3,000 $3,000. Can 4x4.• No rust. Wobo. Call bi9eer LT4it8 & windows, CD, )r, tow hitch. -k #91004A. $18,895! 1-888-532-2121 or full inventory: Iler UnRMfted 6, auto., A/C, .ruise, Sirius, .)Ys, low hitch, r, local trade. Stock #71039A. SALE PRICE... $23,985! 1-888-532-2121 Yww.hhchev orn .Q05 Way at 717440-71301 ?•• ILYA IITI, 2003 G35 130k miles, - PeGted. Runs great! A steal for 0001 Gall 717-379-1920. 3. 1999 Alero, 2 door, V6, black, Ik.mi., Garage kept. Excellent dinon;$2,100.717-776-7937: OUTH, 1994 Acclaim 4 cyl. emely clean. Fresh motor & ^• ... W?,?w. ?.an n r-tlA4-5721., ONTIAC', 2008 G-64-door, value package, 4 cyl. auto., A/C, power windows, CD OnStar, new tires. GM Certified. Stock #71070A. SALE PRICE... Can 1.888-532-2121: or, ew our fuq inventory at: www;h ;ne , w PONTIAC, 2008 G-6 Sport package; sunroof, V6, auto., A/C,"Power windows, :cruise; CD, ., spoiler, alloys. GM Certified. j d Stock #91018A. 1-ew-532-2121 view at: www.hheham ? ?-O ? -+.0. The Sentinel Gives Back... Sell your used vehicle priced _ under $5.0 with a --f .. ............ ^`?^...n.,M r,.... Affiant further deposes that he/she is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statement as to time, place and character of publication ar ue. Sworn to and subscribed before me this Ln-&-AAAVU0 aII. Notary Public My commission expires: NOTARIAL SEAL BAMBI ANN HECKENDORN Notary Public CARLISLE BOROUGH, CUMBERLAND CNTY My Commission Expires Jan 27, 2014 FILED-OFFICE OF THE PROTHONOTARY 2011 MAY 26 W 10' 21 C'J PENNSYLVANIA TY 08-3618 BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 Attorneys for Plaintiff (717) 299-5201 Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW V. CAMILLAH A. JOHNSON-HICKLEN, Defendant No. 08-3618 PRAECIPE FOR JUDGMENT Enter Judgment in favor of Plaintiff, Pennsylvania State Employees Credit Union and against Defendant, Camillah A. Johnson-Hicklen for want of an answer in the amount of $10,152.06 plus interest and costs of suit. (X) I certify that the foregoing assessment of damages is for specified amounts alleged to be due in the complaint and is calculable as a sum certain from the complaint. ( ) Pursuant to Pa. R.C.P. 237 (notice of praecipe for final judgment or decree), I certify that a copy of this praecipe has been mailed to each other party who has appeared in the action or to his/her Attorney of Record. 32079491 Qw k &1y. m PA atk1 Clear 47587 (2#4597 S? NA-a- MCA;cP 08-3618 (X) Pursuant to Pa. R.C.P. 237. 1, I certify that written notice of the intention to file this praecipe was mailed or delivered to the party against whom judgment is to be entered and to his/her Attorney of Record, if any, after the default occurred and at least ten days prior to the date of the filing of this praecipe and a copy of the notice is attached. BARLEY SNYDER LLC Date: 5124111 By: Sha)". Long, Esquir Court I.D. No. 83774 Attorneys for Plainti Pennsylvania State ployees Credit Union 126 East King Street Lancaster, PA 17602 (717) 299-5201 NOW, '(yApU,j , 2011, JUDGMENT IS ENTERED AS ABOVE. Prothonotary/Clerk, Civil Division - DMM D. '?u£C.L, By: Deputy 32079491 08-3618 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY OFFICE OF THE PROTHONOTARY CARLISLE, PA TO: Camillah A. Johnson-Hicklen Defendant YOU ARE HEREBY NOTIFIED that Pennsylvania State Employees Credit Union has caused a judgment by default to be entered against you with the Prothonotary of Cumberland County. The judgment was entered on 'M? e ?1 1, to No. 08-3618 with the Court of Common Pleas of Cumberland County - Civil Division. The judgment is in the amount of $10,152.06 plus costs of suit. PROTHONOTARY -Z)'RfZb -0• ?U?UL By: ' 4eu tyClerk . 32079491 08-3618 BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. CAMILLAH A. JOHNSON-HICKLEN, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 08-3618 AFFIDAVIT THAT THE DEFENDANT IS NOT IN THE MILITARY SERVICE PURSUANT TO "SOLDIERS AND SAILORS" CIVIL RELIEF ACT OF 1918, RE-ENACTED 1940 The undersigned, Shawn M. Long Esquire, doth depose and say that Camillah A. Johnson-Hicklen, the Defendant is not in the Military or Naval Service, based on the following facts: Age of Defendant is unknown; Present place of employment is unknown; Last known place of Residence is 126 N. Pitt Street, Carlisle PA 17013 as of the date of this affidavit. ADDITIONAL FACTS, if any. The statements set forth in this affidavit are made subject to the penalties of 18 Pa. C.S. §4904, relating to unsworn falsification to authorities. BARLEY SNY1XR LLC By: "Shawn M. Long, Esq Attorneys for Plaint' Court I.D. No. 83714 126 E. King Stree Lancaster, PA 17602 717.299.5201 32079491 BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. CAMILLAH A. JOHNSON-HICKLEN, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 08-3618 VERIFICATION Kelly Cunneen, hereby verifies that on April 27, 2011 and May 6, 2011 service of the 10-Day Notice was served by publication upon the Defendant, Camillah A. Johnson-Hicklen, in accordance with Order of Court dated March 11, 2011 in The Cumberland Law Journal and The Sentinel. Proofs of publication in The Cumberland Law Journal and The Sentinel are attached hereto and marked Exhibit "A". BARLEY SNYDER LLC By: ? ZZI, ? 1, , '. , - Kelly Cun n, aralegal 126 East King Street Lancaster, PA 17602 717.299.5201 Date: May 16, 201 1 3221635_1 EXHIBIT "A i PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND ss. Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, Viz iyiay U, /-V 1 1 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. Marie Covni, Editor SWORN TO AND SUBSCRIBED before me this 6 day of May, 2011 Notary NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE BOROUGH, CUMBERLAND COUNTY My Commission Expires Apr 28, 2014 CUMBERLAND LAW JOURNAL NOTICE In the Court of Common Pleas of Cumberland County, Pennsylvania Civil Action-Law No. 08-3618 PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff vs. CAMILLAH A. JOHNSON-HICKLEN, Defendant IMPORTANT NOTICE To: CAMILLAH A. JOHNSON-HICK- LEN You are in default because you have failed to enter a written appear- ance 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 en- tered against you without a hearing and you may lose your property or other important rights. YOU SHOULD TAKE THIS PAPER TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE FOLLOWING OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A RE- DUCED FEE OR NO FEE. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 (717) 249-3166 SHAWN M. LONG, ESQUIRE I.D. No. 83774 BARLEY SNYDER LLC 126 East King Street Lancaster, PA 17602-2893 (717) 299-5201 May 6 PROOF OF PUBLICATION State of Pennsylvania, County of Cumberland Jackie Cox, Retail Sales Manager of The Sentinel, of the County and State aforesaid, being duly sworn, deposes and says that THE SENTINEL, a newspaper of general circulation in the Borough of Carlisle, County and State aforesaid, was established December 131h, 1881, since which date THE SENTINEL has been regularly issued in said County, and that the printed notice or publication attached hereto is exactly the same as was printed and published in the regular editions and issues of THE SENTINEL on the following day(s): April 27, 2011 COPY OF NOTICE OF PUBLICATION Z z z W o- o i* Z z a ? . . W 0. , CE . 0 . J .: . )c W ? y z Col. E a U a? U U Z O U3 ' a Q D O Q W. 2 Z o _Q U- mvU ?nJ9 ?O 10 GO NaDm NO ?+Z G cAffiant further deposes that he/she is not N a m a;? interested in the subject matter of the 'a V aforesaid notice or advertisement, and that C gym. a all allegations in the foregoing statement as U) C to time, place and character of publication re true. m U , D m t m. Sworn to and subscribed before me this H ?N c? m 3 E U W Notary Public U. O Z My commission expires: NOTARIAL SEAL BAMBI ANN HECKENDORN Notary Public CARLISLE BOROUGH, CUMBERLAND CNTY My Commission Expires Jan 27, 2014