HomeMy WebLinkAbout08-4445
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
PENNSYLVANIA STATE EMPLOYEES NO. 6f- t 1 q q5 ?l Ut )Win
CREDIT UNION,
Plaintiff
VS.
ASHLEY WRIGHT
Defendant : CIVIL ACTION -LAW
NOTICE TO DEFEND
Pursuant to PA RCP No. 1018.1
You have been sued in court. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after the Complaint and notice are
served, by entering a written appearance personally or by attorney and filing in writing with the
court your defenses or objections to the claims set forth against you. You are warned that if you
fail to do so the case may proceed without you and a judgment may be entered against you. You
are warned that if you fail to do so the case may proceed without you and a judgment may be
entered against you by the Court without further notice for any money claimed in the Complaint
or for any other relief requested by the Plaintiff. You may lose money or property or other rights
important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW.
THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER.
IF YOU CAN NOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County Bar Association
32 Bedford Atreet
Carlisle, PA 17013
(717) 249-3166
(800) 990-9108
Document #: 180057.1
EN LA CORTE DE ALEGATOS COM UN DEL CONDADO DE CUMBERLAND,
PENNSYLVANIA
PENNSYLVANIA STATE EMPLOYEES NO.
CREDIT UNION,
Plaintiff
VS.
ASHLEY WRIGHT
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) dfas
despu6s que esta Demanda y Aviso es servido, con entrando por escrito una aparencia
personalmente o por un abogado y archivando por escrito con la Corte sus defenses o objeciones
a las demandas puestas en contra usted. Usted es advertido que si falla de hacerlo el caso puede
proceder sin usted y un jazgamiento puede ser entrado contra usted por la Corte sin mas aviso
por cualquier dinero reclamado en la Demanda o por cualquier otro reclamo o alivio solicitado
por Demandante. Ustedpuede perder dinero o propiedad o otros derechos importante para usted.
USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSEGUIDA. SI USTED
NO TIENE UN ABOGADO, VAYA O LLAME POR TELEFONO LA OFICINA FIJADA
AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACI6N DE COMO
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 Association
32 Bedford Atreet
Carlisle, PA 17013
(717) 249-3166
(800) 990-9108
Document #: 180057.1
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
VS.
ASHLEY WRIGHT
Defendant
NO. L' t- Y `1 y S" ec.t;U_ 7.Z'
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, Ashley Wright, is an adult individual with a last known address of 605
S. Market Street, Mechanicsburg, PA 17055-6415.
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 July 22, 2008, the balance due, owing and unpaid on Defendant's loan
account with Plaintiff is the sum of Nine Thousand Nine Hundred Thirty-Three Dollars and
59/100 ($9,933.59).
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 Two Thousand
Eleven Dollars and 72/100 ($2,011.72) 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,
Ashley Wright, in the amount of Eleven Thousand Nine Hundred Forty-Five Dollars and 31/100
($11,945.31), 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: VI&L
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: Ca en-6p r) n?a
Date: 11 "a -N
EXHMIT "A $
1
f
i
KMNLUNEL
ADVANCE PROCEEDS VOUCHER
AND SECURITY AGREEMENT
PSECO Pennsylvania State
Employees Credit Unlon
P. o. Box 67013
Harrisburg, PA 17108-7013
717.234.8484
800.237.7328
.MEMBER NAME'
ASHLEY WRIGHT 01/17/2007 8757184281 110 0005870910
PURPOSE:
605 S MARKET ST DEALER PURCHASE
h1ECHANICSBURG PA 17055-6415
TRANS
TYPE ACTION
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EQUITY ADVANCE
1. NEW LOAN 2. AN A
AN
LO . .
(
SECURITY OFFERED
IFTHIS IBA HOME EQUITY ADVANCE, THE QAKYSECURITY FOR THIS ADVANCE ISTHE REAL PROPERTY (INMOST CASESYOUR HOME) WHICH YOU GAVE AS SECURITY WHEN YOUR ACCOUNT
WAS ESTABLISHED.
IF THIS IS NOTA NOME EQUrrY ADVANCE, IN ADorrION To THE PLEDGE OF SHARES IN YOUR LOANUNERN CREDIT AGREEMENT, THE FOLLOVflNG PROPERTY SECURES'MS ADVANCE.
ITEM PROPERTY Do 4:, 'YEAF s' :?D ?5..w :, .i* .i B. ?•` .s .»?
1.
a HYUNDAI ELANTRA 2006 KUMN46D66U269816 SDN 16,570.00
a
4.OTHER
YOU PLEDGE SHARES ANDIOR DEPOSrTS OF $ IN ACCOUNT NUMBER
OLD ACCOUNTAJ7AN NUMBER (A) PAYOFF (PRINK + INT.) OLD ACCOUNTA.OAN NUMBER B PAYOFF PRINC. + INT.) OLD ACCOUNT/LOAN NUMBER (C) PAYOFF (PRNC.+ INT.
OLD ACCOUNTA.QAN NUMBER PAYOFF PRINO. + INT.) OLD ACCOUNTA.oAN NUMBER (E) PAYOFF RING. + INT OLD ACCOUNTA.OAN NUMBER I R OFF (PRINC. + INT)
By accepting the proceeds or by using the funds advanced and deposited Into your share/share draft account, you agree (1) that the property referenced above
will secure the advance and any other advances you have now or receive In the future under the LOANLINERO 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.
B 011NA ULMMI GRduP IM& Rt. a4. ffi aD. 2& n_ 2MD. dl. G101. ALL R!GHTS RESERVED PENNSYLVANIA STATE EMPLOYEES CREDIT UNION FORM 43175 JVXX0100-1 037-20621 (S"
SCANNED
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
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
Jue under your insurance policy. You also promise to pay all taxes and fees (like
THE PROPERTY DESCRIPTION ON THE REVERSE SIDE IS PART OF THU
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 Plan.
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 orthe 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.
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Co-APpRefnt Enrlonnment
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Exhibit "B"
PSECO
Pennsylvania State Employees Credit Union
fl0.6or670f3 I Harrisburg. PAt7tns-7Gr3 • (717) 234-W4 Harrisburg.(8(0)237-7329Nahonwtae
Loan Disclosures
This LOANLINER' Credit and Security Agreement. which includes the Truth in
Lending Disclosures, will be reterred to as the Plan. The Plan documents include this
agreement and an Addendum. You. your and borrower mean any parson who signs
the Plan. Credit union, we, our and us mean PSECU or anyone to whom the Crean
Union transfers its rights under the Plan.
HOW THIS PLAN WORKS - This is an open-end, multi-featured credit plan. We
anticipate that, from time to time, you will borrow money (called 'advances`) under
the Plan. We are not required to make advances to you under the Plan and can
refuse a request for an advance at any time. The Addendum describes the
different types of credit (called'subaccounts') available under the Plan, the current
interest rate for each subaccount expressed as a daily periodic rate and
corresponding annual percentage rate and other charges. It may also have other
terms and a schedule for determining the payment amounts.
CREDIT LIMIT - vie may, but do not have to, establish a credit limit on certain
subaccounts. If a credit limit is set for a subaccount, you promise not to exceed the
established credit limit. If you exceed the credit lima, 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 test day of the month unless we set a different day
at the time of an advance. If the Addendum has no payment schedule for a
subaccount, your payment will be determined at the time of each advance.
! Payments must include any amount past due and any amount by which you have
exceeded any credit limit you have been given for a subaccount You may repay all
or part of what you owe at any time without any prepayment penalty. Even it you
prepay, you will stilt be required to make the regularly scheduled payments unless
we agree in writing to a change in the payment schedule. It you have a joint
sharedraft account. you will be responsible for paying an overdraft advances
obtained by a joint holder of the sharedraft account. Unless otherwise required by
y 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 11
we allow you to use your ATMJDebit 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 willing, of the loss, theft, or possible
unauthorized use. If you believe your ATM/Debit card has been lost or stolen,
immediately inform the Credo Union by calling or writing us at the toiephone 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
withdrawal is from a sharedraft account, your Viability is governed by the Regulation E
disclosures you received at the time you received your ATM/Debit card, even if the
j 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 it you have not yet made a payment) is multiplied by the applicable daily
periodic rate. The sum of these amounts is the finance charge owed. The balance
used to compute the finance charge is the unpaid balance each day after payments
and credits to that balance have been subtracted and any additions to the balance
have been made. In addition to interest, we may charge other finance charges which
are disclosed on the Addendum. If the interest rate is a variable interest rate, the
Addenourn 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 Me fi.;wre. If a specific dollar amount is pledged for an advance, we will freeze
shares in that account to the extent of the outstanding balance for the advance.
Otherwise, 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 ten on the shares and dividends and, If any, the
deposits and interest in all individual and joint accounts you have with us and may
exercise our rights under the lien to the extent permitted by state taw. (We are state
chartered it our name does not include the term "Federal Credit Union') For all
borrowers: The statutory lien and/or your pledge will allow us to apply the funds
in your account(s) to what you owe when you are in default The statutory lien and
'.. your pledge do not apply to any Individual Retirement Account or any other account
that would lose special tax treatment under state or federal law 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 tsuch 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
acceptaole to us when you obtain an advance under that subaccount. Property you
qive as securty ,vii secure, all amounts owed under the Plan and at. other loan
nave oat; us row or ;n the future, except any oan securec by your principal dw
Praperfy SeCLring other oars you nave with us may also secure, the Plan
CREDIT INSURANCE - Credit life andior credit disability insurance is options)
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
interest on the entire balance. It you elect credit insurance, your payments may l
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 taw.
PERIODIC STATEMENT - On a regular basis you will receive a statement showing
all transactions under the Plan during the period covered by the statement.
Statements and notices will be sent to you at the most recent address you have
given us in writing. Unless applicable law requires notice to each joint borrower, i
notice to any one of you will be notice to all.
JOINT ACCOUNTS - If this is a joint account, each of you is individually and jointly
responsible for paying all amounts owed. That means we can enforce our rights
under the Plan against any one of you individually or against all of you together. If you
give us inconsistent instructions. we can refuse to follow your instructions. Unless our
written policy requires all of you to sign for an advance, each of you authorizes the
other(s) to obtain advances individually and agrees to repay advances made to the
other(s). Any joint accountholder may terminate the Plan by giving us prior written j
notice. If any of you terminate the Man, the Plan is terminated for all of you. You i
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 j
property, we may charge you a filing fee to perfect our interest in the property. If we I
do, the amount of the fee will be disclose c to you at the lime you obtain an advance.
We may also charge you other tees In connection with the Plan. Our current fees are
disclosed on the Addendum and will be added to your loan balance unless you pay
them in cash.
UPDATING CREDIT INFORMATION - You promise that you will promptly give us
written notice it you move, change your name or employment, or it any other
information you provided to us changes. Upon our request, you also agree to
provide us updated financial information.
DEFAULT - Tiro following paragraph applies to borrowers In Idaho, Kansas,
Maine and South Carolina. You will be in default If you do not make a payment of
the amount required when it is due. You will also be in default if we believe the
prospect of payment, performance, or realization on any property given as security
is significantly impaired
The following paragraph applies only to borrowers In Wisconsin. You will be in i
default if you fall to make a payment when due two times during any 12 month
period. You will be In default if breaking any promise made under the Plan materially
I
impairs your ability to repay what you owe or materially impairs the condition, value.
or protection of or our right in any property you gave as security.
The following paragraph applies only to borrowers in Iowa: You will be in }
default if you are more than 10 days late in making a payment. You will also be in
default it you do not comply with the terms of the Plan and your failure to comply
materially impairs any property you gave as security or your ability to repay what you
owe under the Plan.
The following paragraph applies to borrowers In all other states: You will be in
default if you do not make a payment of the amount required when it is due. You will
be in default if you break any promise you made under the Plan or if anyone is in
default under any security agreement made in connection with an advance under
the Plan. You will be in default if you die. file for bankruptcy, become insolvent, if you
make any false or misleading statements in any credit application or update c credit i
information, or if something happens we believe may substantially reduce your
ability to repay what you owe. You will be in default it 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 i
our security interest in it. You will also be in default under the Plan if you are in default {
under any other ban agreement with us. +
i
ACTIONS AFTER DEFAULT - The following paragraph applies to borrowers in i
Colorado, District of Columbia, Iowa, Kansas, Maine, Massachusetts, Missouri,
Nebraska, South Carolina and West Virginia: When you are in default and after i
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.
rho following paragraph applies to borrowers in all other states except Wisconsin
and Louisiana: When you are in default, we can require immediate payment i
(acceleration) of the entire unpaid balance under the Plan. You waive any right you have i
to demand for payment, notice of intent to accelerate and notice of acceleration. i
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 i
owe has been repaid at the applicable interest rates in effect or, if applicable, ,i
=SG}pt PSECU FORK413+46
JBXX0601-2037-2092-t (MI6)
its you
eking. what you
T 4C ec(f and Security. Credit Al eernent (continued)
LOAKINE :bd r; 1o ererc:se our rights aT!<T We ca- enlace Ines Pln,t against your ne.rs or
.
at the default rate disclosed on the Addendum. If a demand for immediate pavmert
r
li
' legal representat ves. It we change Ire leans of the Pian. you agree That !!!,s Plan
will continue to protect us
at you owe
ed towaras w
or yopos Is can be app
has been made, your snares and '
as provided in the section above tailed "Security" We can also exercise any other 1 CONTINUED EFFECTIVENESS - if any part or th,s Plan is determined by a court
rights given by law when you are in default. ID be unen!ofceaoie, the rest wail remain in effect.
You agree the Credit Union has the right to take possession of any property given , NOTICE TO UTAH BORROWERS- This vnnen agreement is a final expression of
as security under the Pian, without judicial process, if this can be done without
romise to deliver the property at a time and i
If
o
ask
f
h
h the agreement between you and the Credit Union. This written agreement may not
be contradicted by evidence of any oral agreement.
we
, y
u p
e peace.
t
breac
o
place we choose. It the property is a motor vehicle or boat, you agree that we may ' The lollawing is required by Vermont low - NOTICE TO CO-SIGNER - YOUR
obtain a key or other device necessary to unlock and operate it, when you are in SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE
default We will not be re he for any other properly, not covered by this
Agreement, that you leave inside nside the property or tnat is attached to the property. We FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY,
will try to return that properly to you or make it available for you to claim. THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.
After we have possession of the property, we can sell it and apply the money to any The following paragraphs apply If you give security in connection with an
amounts you owe us. We will give you notice of any public disposition or the date after advance under the Plan.They apply to borrowers in all states except Louisiana.
which a private dispositior will be held. Our expenses for taking possession of and Louisiana borrowers will execute a separate security agreement. Borrowers in I
selling the property will be deducted from the money received from the sale. Those ether states may also be asked to execute a separate security agreement. j
costs may include the test 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 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
You must pay any amount that remains unpaid attar the sale money has been applied
I receive for an advance ("the Advance"). The security interest you give includes all i
to any unpaid balance under the Plan. You agree to pay merest on that amount at the
I accessions. Accessions are things which are attached to or installed in the property
same rate as the advance, or, d applicable, at the default rate disclosed on the now or in the future. The security interest also includes any replacements for the
Addendum, until that amount has been paid. property which you buy within 10 days of the Advance or any extensions, renewals
The following paragraph applies only to Wisconsin borrowers. When you are in or refinancing of the Advance. It also includes any money you receive from selling +
j
detauft and after expiration of any right you have under applicable state law to cure your the property or from insurance you have on the property. If the value of the property
detautt, we may require immediate payment of your outstanding ban balance under the
Plan and seek possession of property given as security. You may voluntarily give the declines, you promise to give us more property as security it asked to do so.
WHATTHE SECURITY INTEREST COVERSMROSS COLLATERAL PROVISIONS
property to us if you choose, or we may seek to take possession of the property by _ The security Interest secures the Advance described in the receipt, voucher or any
l judicial process. It we repossess the property, you agree to pay reasonable expenses other moment you receive at the time of the Advance and any extensions, renewals
incurred in disposing of the propary. tf the property is a motor vehicle, mobile home, or refinancings of the Advance. It also secures any other advances you have now
trailer, snowmobile, boat or aircraft. you we also be required to pay any costs permitted or roealve In the future under the Plan and any otter amounts or loans,
by Section 422.413 of the Wisconsin Statutes. You must pay arty amount that remains including any credit card loan, you owe us for any reason now or in the future,
unpaid after the sale money has been applied to what you owe under the Plan. You kept any ban secured by your principal residence. If the property is household
agree to pay interest on any unpaid amount at the same rate as the advance, or, it goods as defined try the Federal Trade Commission Credit Practices Rule, the
applicable, at the default rate disclosed on the Addendum, until that amount is paid. property will secure only the Advance and not other amounts you owe. f
it the property is located outside Wisconsin at the time of default, we may take
possession of the property without judicial process, it permitted by the state where 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 I
the property is located, the Advance for that purpose. You promise that no one else has any interest in or
l
The following paragraph applies only to Louisiana borrowers: When you are in claim against the property that you have not already told us about. You promise not
I
default, we can require immediate payment (acceleration) of the entire unpaid to sell or lease the property or to use it as security for a loan with another creditor
balance under the Plan. You waive any right you have to demand for payment, notice until the Advance is repaid, You promise you will allow no other security interest or
i of intent to accelerate and notice of acceleration. It immediate payment is ken to attach to the property either by your actions or by operation of law.
demanded, you WIN continue to pay interest until what you owe has been repaid at PROPERTY INSURANCE, TAXES AND FEES - You must maintain property
the applicable Interest rates in effect unless a default rate is disclosed on the insurance on all property that you give as security under the Plan. You may purchase
1 Addendum. It a demand for immediate payment has been made, the shares and the property insurance from anyone you choose who is acceptable to the Credit i
deposits given as security for the Plan can be applied towards what you owe. We Union. The amount and coverage of the property insurance must be acceptable to
i can also exercise any other rights given by law when you are in default and our us You may provide the property insurance through a policy you already have, or
rights under any security agreements you have with us. through a policy you get and pay for. You promise to make the insurance policy ,
CANCELLING OR CHANGING THE PLAN - The following paragraph applies payable to us and to deliver the policy or proof of coverage to us if asked to do so.
only to borrowers in /1/lnois: We have the right to change the terms the Plan from If you cancel your insurance and get a refund, we have a right to the refund. It the
time to time after giving you any advance noliee required by taw. Any change to the
to repair the
property is lost or damaged, we can use the insurance settlement
other charges W apply to huture advances.
int
Interest ndor
property or spay it towards what you owe. You authorize endorse any draft its
following paragraph applies only to borrowers in YYiaconsin: We can
The check which may be payable to you in order for us to collect ect any refund or benefits
change the terms of the Plan from time to time in accordance with Section 422.415 due under your insurance policy. You also promise to pay all taxes and fees (like
of the Wisconsin Statutes. You will be notified of any change in terms. An increase registration fees) due on the property,
in the daily periodic rate under a variable rate interest rate is not considered a
We can cancel the entire Plan or any part of the
change in terms under the Plan If you do not pay the taxes or tees on the properly when due or keep 8 insured, we may
t
e
d f
.
Plan at any time. You may cancel the Phan at any time by giving us prior written or
ax
s,
pay these obligations, but we are not required to do so. Any money we spen
fees or insurance will be added to the unpaid balance of the advance and you will pay
notice. Your obligation pay the unpaid balances under the terms of the Plan interest on those amounts at the same fate you agreed to pay on the advance. We may
continues whether you or r the credit union cancel the Plan, except to the extent that receive payments In connection with the insurance from a company which provides the
your liability is limbed by Section 422.4155 of the Wisconsin Statutes. insurance. We may monitor our loans for the purpose of determining whether you and
The following paragraph applies only to borrowers in Iowa: We can change the I other borrowers have complied with the insurance requirements of our ban agreements
terms of the Plan from time to time after giving you any advance notice required by or may engage others to oci so. The insurance charge added to an advance may include
law. A change that Increases the rate of finance charge or other charge, that (1) the insurance company's payments to us and (2) the cost of determining compliance
increases the amount of your payments, or that otherwise adversely affects existing with the insurance requirements. If we add amounts for taxes, left or Insurance to the
s balances will apply to existing balances only if you agree to the change or you use unpaid balance of an advance, we may increase your payments to pay the amount
the Plan after receiving notice that your use of the Plan means you agree the added within the term of the insurance or approximate term of the advance.
change applies to existing balances. INSURANCE NOTICE - If you do not purchase the required properly insurance,
The following paragraph applies to borrowers in all other states: We have the the insurance we may purchase and charge you for will cover only our interest in the !
right to change the terms of the Plan from time to time after giving you any advance property. The premium for this insurance may be higher because the insurance
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 } 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
apply to unpaid balances,
will not satisfy any state financial responsibility or no fault laws.
The following paragraph applies to an twt Wisconsin borrowers: An increase in PROTECTING THE SECURITY INTEREST - If your state issues a title for the
the da y periodic rate under a variable interest rate is not considered a change in property, you promise to have our security interest shown on the title. We may have
[arms under me Ptah. We can cancuf the enure plan or any part of one Plan at any to file what is called a financing statement to protect our security interest from the i
time. You may cancel the Plan at any time by giving us prior written notice. Your claims of others. It asked to do so. you promise to sign a financing statement. You
obligation to pay the uhpa'.d balances under me terms of the P`an continues whether also promise to do whatever else we think is necessary to protect our Security
you or Tho Credo union cancel tho Plan. merest in the properly You promise to pay all costs. including but not limited to any
DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN - We can delay attorney fees. we incur in protecting our securiry• interest and rights in the property,
enforcing any of our rights under this Pian any number of times without losing the to the extent peTmitteU by applicable law.
LOANLINER' Credit and Security Credit Aoreenhent (continued)
USE OF PROPERTY - Until the Advance has been paid off, you promise you wilt.
(1) Use the property carefully and keep it in good repair. (2) Obtain our written
permission before making major changes to the property or changing the address
where the property is kept. (3) Inform us in writing before changing your address. (4)
Allow us to inspect the property. (5) Promptly notify us it the property is damaged,
stolen or abused. (6) Not use the property for any unlawful purpose, (7) Not to retitle
property in another state without telling us.
NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE
- THE MOTOR VEHICLE IN THIS TRANSACTION MAY BE SUBJECT TO
REPOSSESSION. IF IT IS REPOSSESSED AND SOLD TO SOMEONE ELSE.
AND ALL AMOUNTS DUE TO THE SECURED PARTY ARE NOT RECEIVED IN
THAT SALE, YOU MAY HAVE TO PAY THE DIFFERENCE.
NOTICE FOR ARIZONA OWNERS OF PROPERTY - it is unlawful for you to fait
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
This notice contains important information about your rights and our responsibilities
i under the Fair Credit Billing Act. You are advised to read your monthly statement
j 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 it you need more information
1 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.
a 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
P 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 ackrwwledge your letter within 30 days, unless we
j 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 mis Agreement. Card means the Visa Credit Card and any
duplicates and renewals we issue. Account means your Visa Credit Card Line of
Credit account with us. We, us, and ours means this Credit Union
1. RESPONSIBILITY - If we issue you a card, you agree to repay all debts and the
Finance Charge arising from the use of the card and the card account. For example,
you are responsible for charges moo by yourself, your spouse and minor ch.ldren
You are also responsible for charges made by anyone else to whom you give the
j card, and this responsibility continues until the card is recovered. You cannot disclaim
responsibility by notifying us, but we will dose the account for now transactions it you
so request and return all cards. Your obligation to pay the account balance continues
even though an agreement, divorce decree or other court judgment to which we are
not a party may direct you or one of the other persons responsible to pay the account.
The cards remain our property and you must recover and surrender to us all cards
upon our request and upon termination of this Agreement
2. LOST CARD NOTIFICATION - If you believe the card has been lost or stolen,
you will immediately call the Credit Union at (717) 234-8484 or (800) 237.7328. After
hours call (600) 556.5678
3. LIABILITY FOR UNAUTHORIZED USE -You agree to notify us immediately, orally
or in writing of the loss, theft or unauthorized use of your Credit Card. You may be haft
for the unauthorized use of your Credit Card. You will not be liable for unauthorized use
that oxurs after you notify us of the loss, theft, or possible unauthorized use. You wilt have
no lability for unauthorized purchases made wim your Credit Card, unless you are grossly
negligent in the handling of your Card. In any case, your liability will not exceed S50.
4. CREDIT LINE - if we approve your application, we will ostabihsh a self-
replenishing Line of Credit for you and notify you of its amount when we issue the
card. You agree not to let the account balance exceed this approved Credit Line Each
payment you make on the account will restore your Credit Line by the amount of the
payment which is applied to the principal. You may request an increase in your Credit i
penalty for unlawiul failure to return a motor vehicle is one year in prison and or a
fine of S150.000.
For those members who purchase a vehicle under the
DRIVe Program, please review the following FTC Notice:
NOTICE
ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT
IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH
THE DEBTOR COULD ASSERT AGAINST THE SELLER
OF GOODS OR SERVICES OBTAINED WITH THE
PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE
DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE
DEBTOR HEREUNDER.
After we receive your letter, we cannot try to collect any amount you question, or report
you as delnquent. 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'I 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 rase, we will send you a statement
of the amount you owe and the date that it is due.
t you fail to pay the amount that we think you owe, we may report you as delinquent.
However, it our explanation does not satisfy you and you write to us within ten days
telling us that you still refuse to pay, we must tell anyone we repon you to that you
have a question about your statement. And, we must tell you the name of anyone
we reported you to. We must tell anyone we report you to that the matter has been
settled between us when it finally is.
If we don't follow these rules, we can't collect the first 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 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 0 we own or operate the merchant, or if we mailed
you the advertisement for the property or services.
Line only by written application to us, which must be approved by our credit committee
or ban 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.
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 wig mad 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 Late, the New Balances of
purchases and cash advances, the Total New Balance, the Finance Charge due to date,
and any otter billed fees, and the Minimum Payment required Every month you must pay
at least the Minimum Payment within 25 days of your statement closing date. By separate
agreement you may authorize us to charge the minimum payment automatically to your
share or chedddrigi 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 so. If your monthly payment exceeds the total credit line balance
owed, we will automatically post the credit to your St shares.
The minimum payment will be (a) 2% of your Total New Balance, rounded up to the
next even dollar, or (b) S20.00, whichever is greater. In addition, at any tune your Total
New Balance exceeds your Crean Line, you must immediately pay the excess upon our
demand. We will apply payments in the following manner: first to previous late fees.
then to previous cash advances finance charges, then to previous purchase finance
i
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.
-1
Visa` Credit Card Aoreement and Truth In Lending Disclosure (continued)
7. FINANCE CHARGES - You can avoid the Finance Charge on purchases oy
paying the full amount of the New Balance of Purchases each month within 25 days
of your statement Closing date. Otherwise, the New Baiance of Purchases, and the
subsequent purchases from the date they are 'p'osted to your account, will be subject
to Finance Charge. Cash advances are always subject to Finance Charge front 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 dally balance (see explanation below) for cash
advances during the billing cycle by the monthly periodic advance rate and
corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum.
Balance Computation Method
Average Daily Balance for Purchases - The Average Daily Balance for Purchase
Transactions is calculated by adding the Daily Balances (Purchase Transaction) low
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 arty 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 of
In any previous day in the billing cycle. This gives us the Daily Balance for purchases.
Average Dady Balance for Cash Advances - Cash Advance Transactions which are
posted to your account am tot included in the Average Daily Balance calculation for
j purchases, and are therefore not subject to the monthly periodic rate for purchases. The
Average DatTy Balance is calculated separately for Cash Advances and is subject to the
Cash Advance Monthly Periodic Rate. The Ave" Daily Balance for Cash Transactions
is calculated by adding the Daily Balances (Cash Transaction) for each day in the billing
cycle, and then dividing by the number of days in the billing cycle. To calculate the Daily
i Balance for cash each stay, we take the following steps: We take the outstanding balance
(ail amounts you owe) at the smrt of the day. Then, in the sequence in which amounts
are posted to your acoouM 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,
Theis we also subtract the amount of any Purchase Trensactials that posted to your
account on that day or in any, previous day in the billing cycle. This gives us tha Daily
Balance for Cash Advance Transaction. 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 tale lees, 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, and then
to the balance of your account
Nom also that if the total of the payments and credits which are posted to your
two count. by the Payment Due Date shown on a statement is equal to or exceeds the
New Balance shown on that statement, we will not apply the Monthly Periodic Rate
to your Account on your next statement.
8. DEFAULT- You wRl be In default t 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 will
also be in default if your ability to repay us is materially reduced by a change in your
employment, an increase in your obligations, bankruptcy or insolvency proceedings
involving you, your death or your failure to abide by this Agreement, or it the value of
out 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 j
notice required by law. To the extent permined 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 wtfi be tmprinted with your card. The other is to complete
i 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. Your 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
4
i
be returned with the statement. You will retain a copy of such slips furnished at the
!lime of the transaction in order to verity the monthly statement. The Credit Union may
make a reasonable charge for photocopies of sops yru may request.
10. OVERDRAFT OPTION - It you elect to overdraft to your PSECU Visa Credit
Card, that election is subject to the existing creoit limit and the agreement it represents
and the current loan policy at the time of ine overdraft. You also understand that an
overdraft will be considered the same as a cash advance on your PSECU Visa Credit
Card and trial the current Annual Percentage Rate for cash advances will apply
11. RETURNS AND ADJUSTMENTS -Merchants and others who honor the card
may give credit for returns and adjustments, and they will do so by sending us a
credit slip which we will post to your Visa line of credit. If your credit and payments '
exceed what you owe us, we will automatically post the excess credit balance to I
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 i
selected by Visa from the range of rates available in wholesale currency markets for the f
applicable central processing date, which rate may vary from the rate Visa itself
receives, or a government-mandated rate in effect for the applicable central processing
date. In each instance, an adjustment may be assessed based on the ISA lee imposed
by Visa. This isa, which totals 1% of the transaction amount, will be assessed on all
transactions where the merchant country differs from the country of the card issuer.
13. SPECIAL RULES FOR VISA PURCHASES - if you disagree or find an error
with a Visa transaction, and have tried in good faith to correct the problem with the
merchant or the charges are the result of unauthorized or fraudulent use, or your
purchase cost more than S50 and was made from a plan merchant in your state
within 100 miles of your home, contact PSECU.
14. DISPUTED TRANSACTIONS - You are required to notify PSECU in writing f
within 60 days following the date on which we sent your statement wherein the error
or problem first appeared regarding any discrepancy or unauthorized transaction on
your account. Telephoning PSECU does not preserve your dispute rights. You may
be required to provide us with documentation to support your dispute claims. In
addition, you may be required to complete a standard dispute form outlining the
details of your dispute. In cases of fraudulent card use. PSECU will also require a i
notarized affidavit. In some cases we may ask you to notify the local authorities.
It we do not receive the proper requested documentation in the time specified you
may be held responsible for the transaction(s) in question. PSECU must adhere to
strict dispute fimeframes set forth by Visa.
15. SECURITY INTEREST -To secure your account, you grant us a purchase i
money security interest under the Uniform Commercial Code in any goods you
purchase through the account. If you default, we will nave the right to recover any of
those goods which we have not been paid for through our application of your
payments in the manner described in the Monthly Payment section. With respect to
this account only, we will not assert any statutory right we may have if you are in
default to prevent withdrawal of your unpledged credit union shares (Deposits)
below the unpaid balance of your account. However, if you give or have given us a
specific pledge of your credit union shares (Deposits) by signing the Pledge of
Shares or otherwise, or any other security interests for all your debts, your account
will be secured by your pledged shares (Deposits) and by the property described in
those other security agreements, except for your home.
16. EFFECT OF AGREEMENT--This Agreement is the contract which applies to
all transactions on your account even though the sales, cash advance, credit or
other slips you sign or receive may contain different terms. We may amend the
Agreement from time to time by sending you the advance written notice required by
law, Your use of the card thereafter will Indicate your 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.
17. LATE PAYMENT CHARGE - It 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.
18. RUSH FEES - You may incur additional charges for rush processing and rush I
delivery of cards anoifor PIN matter.
19, OVER LIMIT FEE -A 320 fee win be applied for each monthly statement closing date
On which the otrtssanding balance exceeds the assigned credit limit by more than 5100. i
20. DRAFT COPIES - You may incur an additional charge for transaction
summary/sale draft documentation.
21. COPY RECEIVED - You acknowledge receipt of a copy of this Agreement
22. ILLEGAL TRANSACTIONS PROHIBITED - You agree that you will not use
your card for any transaction that is illegal under applicable federal, state, or local law.
23. NO USE - Inactive Visa accounts that have no purchase or cash activity may
be closed without notice to you after 18 months of no activity.
20. NEURAL NETWORK - PSECU uses neural network systems to predict and
prevent unauthorized transactions. There may be occasions when a transaction is
declined because it is indicative of possible fraudulent activity.
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6?-
SHERIFF'S RETURN - REGULAR
CASE NO: 2008-04445 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
PENNSYLVANIA STATE EMPLOYEES C
VS
WRIGHT ASHLEY
MARK CONKLIN Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
WRIGHT ASHLEY
DEFENDANT , at 0020:45 HOURS,
at 605 S MARKET STREET
was served ','upon
the
on the 11th day of 'August 2008
III
MECHANICSBURG, PA 17055-6415 by handing to
ASHLEY WRIGHT
DEFENDANT
a true and attested copy of COMPLAINT & NOTICE
;together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
a (o zl 0 4 ?,,.'
18.00
10.00
.00
10.00
.00
38.00
Sworn and Subscibed to
before me this
day
By.
of A. D.
So Answers:
R. Thomas Kline
08/13/2008
VAN ECK
PENNSYLVANIA STATE EMPLOYEES: IN THE COURT OF COMMON PLEAS
CREDIT UNION, : CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff
NO. 2008-04445
VS.
ASHLEY WRIGHT
Defendant CIVIL ACTION -LAW
PRAECIPE FOR JUDGMENT
Enter Judgment in favor of Plaintiff and against Defendant, Ashley Wright for want of
ANSWER TO COMPLAINT.
(X ) Assess damages as follows:
Debt -----------------------------------------------------------------$9,933.59
Attorney's Cornrnisszon------------------------------------------- 2,011.72
Filing costs ---------------------------------------------------------- $to be determined
TOTAL -------------------------------------------------------------- 511,245.31 plus costs
(X ) I certify that the foregoing assessment of damages is for specified amounts
alleged to be due in the complaint and is calculable as a sum certain from the complaint.
( X ) Pursuant to Pa.R.C.P. 237 (Notice of Praecipe for final judgment or decree), I
certify that a copy of this praecipe has been mailed to each other party who has appeared in the
action or to his/her Attorney of Record.
( X ) Pursuant to Pa.R.C.P. 237.1, I certify that written notice of the intention to file
this praecipe was mailed or delivered to the party against whom judgment is to be entered and to
his/her Attorney of Record, if any, after the default occurred and at least ten days prior to the
date of the filing of this praecipe and a copy of the notice is attached.
I M Dp r a) A, 1. all
DATE: Signature:
Meliss L. Van Eck, Esquire
Attorney for Plaintiff
7810 Allentown Blvd., Suite B, Hbg., PA 17112
(717) 540-5406
ID#: 85869
NOW, , 2008, JUDGMENT IS ENTERED AS ABOVE.
P. 91
notary/Clerk, C' it D' isio
By:
Deputy
a
PENNSYLVANIA STATE EMPLOYEES: IN THE COURT OF COMMON PLEAS
CREDIT UNION, DAUPHIN COUNTY, PENNSYLVANIA
Plaintiff
NO. 2008-04445
VS.
ASHLEY WRIGHT
Defendant CIVIL ACTION -LAW
TO: ASHLEY WRIGHT
605 S. Market Street
Mechanicsburg, PA 17055-6415
DATE OF NOTICE: September 12, 2008
IMPORTANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE
COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST
YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE,
A. JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU
MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS.
YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS
OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGHBLE PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County Bar Association
32 Bedford Atreet
Carlisle, PA 17013
(717) 249-3166
(800) 990-9108
By: ?,
Melissa L. Van ck, Es uire
Attorney I.D. No. 85869
P.O. Box 6662
Harrisburg, PA 17112
717.540.5406
Attorney for Plaintiff
w
PENNSYLVANIA STATE EMPLOYEES: IN THE COURT OF COMMON PLEAS
CREDIT UNION, : CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff
NO. 2008-04445
VS.
ASHLEY WRIGHT
Defendant CIVIL ACTION -LAW
AFFIDAVIT OF NON-MILITARY SERVICE
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF DAUPHIN
I, Henry W Van Eck, Esquire, being duly sworn according to law, depose and say that I am
the Attorney for the Plaintiff in the above-captioned matter, and that to the best of my
knowledge, information and belief Defendant, Ashley Wright, above named, is not a
corporation and is an adult individual under the age of 21 years of age; is not in the military
service of the United States or its Allies, or otherwise within the provisions of the Soldiers' and
Sailors' Civil Relief Act of Congress of 1940 and its Amendments.
Sworn and subscribed to
before me this Aday
of September 08
P
t
A vo,&
Notary Public
V
AN K & VAN ECK, P.C.
NOTARIAL SEAL
MELISSA L VANECK
Notary Public
WEST HANOVER TWP, DAUPHIN COUNTY
My C"MISSiOn Expi»S Mar 22, 2011
By:
Henry W. Van Eck, Esquire
Attorney I.D. No. 83087
P.O. Box 6662
Harrisburg, PA 17112
717.540.5406
Attorney for Plaintiff
f 2
PENNSYLVANIA STATE EMPLOYEES: IN THE COURT OF COMMON PLEAS
CREDIT UNION, : CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff
NO. 2008-04445
VS.
ASHLEY WRIGHT
Defendant CIVIL ACTION -LAW
TO: Ashley Wright, Defendant
You are hereby notified that on gS , d5 . &W2 , the following
(Order) (Degree) (Judgment) has been entered against you in the above captioned case for your
failure to file an answer to the complaint. A Judgment in the total amount of $11,945.31 plus
costs is hereby entered.
DATE:
WS)
thonotary OK8
I hereby certify that the name and address of the proper person(s) to receive this notice is:
Ashley Wright
605 S. Market Street
Mechanicsburg, PA 17055-6415
A: Ashley Wright, Defendant, Defendido/a (Defendidos/as)
Por este medio se le esta notificando que el
del
de
el/la siguiente (Ogden) (Deerete)
(Fallo) ha sido anotado en contra suya en el caso mencionado en el epigrafe.
FECHA:
Prothonotario
Certifico que la siguiente direccion es la del defendido/a segun indicada en el certificado
de residencia:
Ashley Wright
605 S. Market Street
Mechanicsburg, PA 17055-6415
PENNSYLVANIA STATE EMPLOYEES: IN THE COURT OF COMMON PLEAS
CREDIT UNION, : CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff
NO. 2008-04445
VS.
ASHLEY WRIGHT
Defendant CIVIL ACTION -LAW
ENTRY OF APPEARANCE
Please enter the Appearance of Van Eck & Van Eck, P.C., as counsel for Plaintiff in the
above captioned action.
Respectfully Submitted,
VAN ECK & VAN ECK, P.C.
Date: September 24, 2008 By:
Melissa . VanEck, Esquire
Attorney I.D. No. 85869
Henry W. Van Eck, Esquire
Attorney I.D. No. 83087
P.O. Box 6662
Harrisburg, PA 17112
(717) 540-5406
Attorneys for Plaintiff
fir, ? ?