HomeMy WebLinkAbout08-4669
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
PENNSYLVANIA STATE EMPLOYEES NO. Q$ - 44(cU9 awi (??+
CREDIT UNION, ,
Plaintiff
VS.
LANETTE M GILL
Defendant : CIVIL ACTION -LAW
NOTICE TO DEFEND
Pursuant to PA RCP No. 1018.1
You have been sued in court. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after the Complaint and notice are
served, by entering a written appearance personally or by attorney and filing in writing with the
court your defenses or objections to the claims set forth against you. You are warned that if you
fail to do so the case may proceed without you and a judgment may be entered against you. You
are warned that if you fail to do so the case may proceed without you and a judgment may be
entered against you by the Court without further notice for any money claimed in the Complaint
or for any other relief requested by the Plaintiff. You may lose money or property or other rights
important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW.
THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER.
IF YOU CAN NOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County Bar Association
32 S. Bedford Street
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.
LANETTE M GILL
Defendant : CIVIL ACTION -LAW
AV I S 0 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 0 LLAME POR TELEFONO LA OFICINA FIJADA
AQUi ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACION DE COMO
CONSEGUIR UN ABOGADO.
SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE
PROVEERE INFORMACI6N ACERCA AGENCIAS QUE PUEDAN OFRECER
SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO 0
GRATIS.
Cumberland County Bar Association
32 S. Bedford Street
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.
LANETTE M GILL
Defendant
NO. dF 96G I c.c ?t
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, Lanette M Gill, is an adult individual with a last known address of
1650 Holtz Road, Enola, PA 17025-1312.
3.
applicant.
Defendant is, and at all relevant time material hereto has been, the primary loan
COUNTI
BREACH OF CONTRACT - VISA LOAN
4.
5.
6.
Paragraphs 1 through 3 are hereby incorporated as if more fully set forth.
Defendant applied to Plaintiff for a Visa loan.
The application submitted by Defendant was approved by Plaintiff.
Document #: 180057.1
A
7. Pursuant to the Loan Activation Notice, Defendant agreed to the terms and
conditions of the extension of credit as set forth in the Loanliner Credit and Security Agreement
(hereinafter referred to as "Contract"). A true and correct copy of the Loan Activation is attached
hereto, incorporated herein and marked as Exhibit "A". A true and correct copy of the Loanliner
Credit and Security Agreement is attached hereto, incorporated herein and marked as Exhibit
«B„
8. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms
and conditions of the Contract marked as Exhibit "B".
9. Various charges and payments were made by Defendant on the account.
10. Defendant has defaulted on the loan by failing to make timely and regular
payments.
11. The last payment made by Defendant was on September 17, 2007.
12. Defendant is required under the contract to make regular and timely payments.
13. Plaintiff has maintained a statement of account keeping an accurate and running
amount of debits and credits made on Defendant's account.
14. Plaintiff has submitted to Defendant a copy of the statement of account accurately
showing all debits and credits for transactions with Defendant.
15. Defendant has not objected to any of the monthly statements of account submitted
by Plaintiff to Defendant.
16. Despite Plaintiff's reasonable and repeated demands for payment, Defendant has
failed, refused and continue to refuse to pay all sums due and owing on Defendant's loan account
balance, all to the damage of Plaintiff.
Document #: 180057.1
17. As of July 31, 2008, the balance due, owing and unpaid on Defendant's loan
account with Plaintiff is the sum of One Thousand Two Hundred One Dollars and 88/100
($1,201.88).
18. Pursuant to the terms and conditions of the extension of credit contained in the
Contract, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest charge on
the principal loan balance.
19. Due to the default of the Defendant and pursuant to the terms and conditions of
the Contract attached as Exhibit "B", Plaintiff is entitled to be reimbursed for all costs and
expenses, including reasonable attorney's fees incurred in bringing any action.
20. For purposes of this action, Plaintiff believes, and therefore avers, that One
Thousand One Hundred Forty-Five Dollars and 00/100 ($1,145.00) constitutes reasonable
attorney's fees. However, Plaintiff recognizes that it is restricted by law to those attorneys' fee
that are actually incurred. If those fees are less than the aforegoing amount, Plaintiff agrees to
adjust its demand for attorneys' fees, if applicable, at the time of payment on any judgment is
made.
21. Any and all conditions precedent to the bringing of this action has been performed
by Plaintiff.
22. The amount in controversy is within the jurisdictional amount requiring
compulsory arbitration.
WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, respectfully
requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant,
Lanette M Gill, in the amount of Two Thousand Three Hundred Forty-Six Dollars and 88/100
Document #: 180057.1
($2,346.88), plus interest, the costs of this action, and such other relief as the Court deems just
and proper.
COUNT II
BREACH OF CONTRACT - AUTO LOAN
23. Paragraphs 1 through 22 are hereby incorporated as if more fully set forth.
24. Defendant applied to Plaintiff for a loan for the purpose of purchasing a motor
vehicle.
25. 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 "C".
26. Pursuant to the Loanliner Advance Proceeds Check marked as Exhibit "C",
Defendant agreed to the terms and conditions of the extension of credit as set forth in the
Loanliner Credit and Security Agreement (hereinafter referred to as "Contract"). A true and
correct copy of the Loanliner Credit and Security Agreement is attached hereto, incorporated
herein and marked as Exhibit "D".
27. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms
and conditions of the Contract marked as Exhibit "D".
28. Various charges and payments were made by Defendant on the account.
29. 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.
Document #: 180057.1
30. 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.
31. Plaintiff provided a letter to Defendant indicating that there was a resulting
deficiency after the sale of the vehicle.
32. Plaintiff has maintained a statement of account keeping an accurate and running
amount of debits and credits made on Defendant's account.
33. Plaintiff has submitted to Defendant a copy of the statement of account accurately
showing all debits and credits for transactions with Defendant.
34. Defendant has not objected to any of the monthly statements of account submitted
by Plaintiff to Defendant.
35. 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.
36. As of July 31, 2008, the balance due, owing and unpaid on Defendant's loan
account with Plaintiff is the sum of Two Thousand Three Hundred Seventy-Three Dollars and
14/100 ($2,373.14).
37. 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.
38. 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 Four Hundred
Seventy-Four Dollars and 62/100 ($474.62) have been added to the account.
Document #: 180057.1
39. Any and all conditions precedent to the bringing of this action has been performed
by Plaintiff.
40. The amount in controversy is within the jurisdictional amount requiring
compulsory arbitration.
WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, respectfully
requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant,
Lanette M Gill, in the amount of Two Thousand Eight Hundred Forty-Seven Dollars and 76/100
($2,847.76), plus interest, the costs of this action, and such other relief as the Court deems just
and proper.
COUNT III
BREACH OF CONTRACT - SIGNATURE LOAN
41. Paragraphs 1 through 42 are hereby incorporated as if more fully set forth.
42. Defendant applied to Plaintiff for a signature loan.
43. The application submitted by Defendant was approved by Plaintiff.
44. Pursuant to the Loan Activation Notice, Defendant agreed to the terms and
conditions of the extension of credit as set forth in the Loanliner Credit and Security Agreement
(hereinafter referred to as "Contract"). A true and correct copy of the Loan Activation is attached
hereto, incorporated herein and marked as Exhibit "E". A true and correct copy of the Loanliner
Credit and Security Agreement is attached hereto, incorporated herein and marked as Exhibit
"F19
45. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms
and conditions of the Contract marked as Exhibit "E".
46. Various charges and payments were made by Defendant on the account.
Document #: 180057.1
47. Defendant has defaulted on the loan by failing to make timely and regular
payments.
48. The last payment made by Defendant was on September 17, 2007.
49. Defendant is required under the contract to make regular and timely payments.
50. Plaintiff has maintained a statement of account keeping an accurate and running
amount of debits and credits made on Defendant's account.
51. Plaintiff has submitted to Defendant a copy of the statement of account accurately
showing all debits and credits for transactions with Defendant.
52. Defendant has not objected to any of the monthly statements of account submitted
by Plaintiff to Defendant.
53. 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.
54. As of July 31, 2008, the balance due, owing and unpaid on Defendant's loan
account with Plaintiff is the sum of Three Thousand Nine Hundred Thirteen Dollars and 35/100
($3,913.35).
55. 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.
56. Due to the default of the Defendant and pursuant to the terms and conditions of
the Contract attached as Exhibit 'T", attorney's fees in the total amount of Seven Hundred
Eighty-Two Dollars and 67/100 ($782.67) have been added to the account.
Document #: 180057.1
57. Any and all conditions precedent to the bringing of this action has been performed
by Plaintiff.
58. The amount in controversy is within the jurisdictional amount requiring
compulsory arbitration.
WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, respectfully
requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant,
Lanette M Gill, in the amount of Four Thousand Six Hundred Ninety-Six Dollars and 02/100
($4,696.02), 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: 61161};As
Date: 9 111 o g
EXMrr «As,
!
1
Loan Information VISA ACTIVATION NOTICE APR ?t?Q4
Approval Amount; $1,000.00 March3l, 2004 Tork : 377023 598
Applicant: LANEM M STRAWSER Account 15934 7403 Home Telephone # ;
Telephone #
I acknowledge receipt of the PSECU LO
by the t set forth in said agreement.11?ER Disclosure and Credit Agreement and agree to be bound
3i iro o NETfB h S'P
Date
• I would like an immediate VISA advance of $
Send a ? check, or ?-_---- , ?upose: _ _.
deposit to my Share 4
?
• You moat select your VISA loan transaction repayment option.
Tunlhr on Pay Day (select one):
? antottat ? alternate Payment amount of $
? Transfer automatically on the 2Sth of each
?
? month (select one);
minitnum
IN bvW a payment montLlt B Payment amount of $
Y by the 2Sth. ? Previous month's balance
• You may have one additional card i .
ssued on your VISA account. Indicate your choice bolo,:
Plem hauo an addiNoeel cud la the name bolo..
though I merle thee, Authorised I authorize him/her to use it and I
chat. Payment activi card hoMera may not o'?'dw mPta?tnent cards or obWo VISAn ibility for n b de a and/or each W,,, 6
I.OMM M STRAWSER moat sign bWM t information ( a etaa?ed tranaactio% balance
NameofAu { r ?
L%ri=d card Holder St
P LANB7'18 M STRA
SCANNED
Exhibit "B"
Pennsylvania State Employees Credit Union
i
P.O. Box 67013 a Harrisburg, PA 17106-7013 is (717) 234-843.1 Harrisburg, (800) 237-7328 Nationwide
PSECO
the financial link- Loan Disclosures
I
This LgANUNER' 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
i signs the Plan, Credit Union, we, our and us mean PSECU or anyone to whom the
Credit Union transfers its rights under the Plan.
1. 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
I 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.
2. CREDIT LIMIT - We may, but do not have to, establish a credit limit on certain
subaccounts. If a credit limit is set for a subaccount, you promise not to exceed the
established credit limit. It you exceed the credit limit, you promise to repay
immediately the amount which exceeds the credit limit.
3, 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 date
at the time of an advance. It 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 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 share draft account, you will be
l responsible for paying all overdraft advances obtained by a joint holder of the share
draft account. Payments will be applied in the order the Credit Union chooses.
4. PLAN ACCESS - You can obtain credit advances in any manner authorized by
us. If we allow you to use your ATMIDebit card to access the Plan, you may be liable
i for the unauthorized use of your ATIvU'Deblt 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
advances directly from the Plan, your liability will not exceed $56. H the unauthorized
withdrawal is from a share draft account, your liability is governed by the Regulation
E disclosures you received at the time you received your ATM/Debit card, even if the
withdrawal results in an advance being made from your overdraft subaccount
S. FINANCE CHARGE - The dollar amount you pay for money borrowed is called
a "Finance charge" and begins on the date of each advance. A finance charge will be
computed separately for each separate balance under the Plan. To compute the
finance charge, the unpaid balance for each day since your last payment (or since
an advance if you have not yet made a payment) is multiplied by the applicable daily
periodic rate. The sum of these amounts is the finance charge owed. The balance
used to compute the finance charge is the unpaid balance each day after payments
and credits to that balance have been subtracted and any additions to the balance
have been made. In addition to interest, we may charge other finance charges which I
are disclosed on the Addendum. If the interest rate is a variable interest rate; the
Addendum explains how the variable Interest rate works.
6. SECURITY -You pledge as security for the Plan all shares and dividends and,
if any, all deposits and interest in all joint and individual accounts you have with us
now and in the future. If a specific dollar amount is pledged for an advance, we will
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 lien on the shares and dividends I
and, if any, the deposits and interest in all individual and joint accounts you have with IIII
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
Union.") For ail borrowers: The statutory lien and/or your pledge will allow us 1
to apply the funds In your account(s) to what you owe when you are In default.
The statutory lien and your pledge do not apply to any Individual Retirement Account or any other account that would lose special tax treatment under state or
federal law if given as security.
Additional security for the Plan may be required at the time of an advance. If a
subaccount Identifies a type of property (such as "New Cars") you must give that
type of property as security when you get an advance under that subaccount A
subaccount name such as "Other Secured' means you must provide security
acceptable to us when you obtain an advance under that subaccount. Property you i
give as security will secure all amounts owed under the Plan and ail other loans you }
have with us now or in the future, except any loan secured by your principal dwelling. i
Property securing other loans you have with us may also secure the Plan. f
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 l
' CUNA MUTUAL C.ROLP :98U.. d2. 8e. 86. 89. 98. 99, M ?, OZ M A-- a , 1
I 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 proov of coverage to us it asked to do so.
I 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 awe. 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 our bans for the purpose
of determining whether you and other borrowers have complied with the insurance
requirements of its loan agreements or may engage others to do so. The insurance
charged added to your 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 your 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
j Insurance will not be liability Insurance and will not satisfy any state financial
responstb4ity or no fault laws.
9. CREDIT INSURANCE - Credit life andr'or credit disability insurance is optional
under the Plan, If you quality for and purchase the insurance from us, you authorize
us to add the insurance premiums monthly to your loan balance and charge you
interest on the entire balance. If you elect credit insurance, your payments may
increase for the period of time necessary to repay your advance may be extended
beyond the approximate term stated on the Addendum. The credit insurance rates
may change during the Plan. 11 the rates change, we will provide any notices
required by applicable law.
10. 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.
11. 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. Urdess our
written policy requires all of you to sign for an advance, each of you authorizes the
other(s) to obtain advances individually and agrees to repay advances made to the
other(s). Any joint accountholder may terminate the Plan by giving us prior written
notice. If any of you terminate the Plan, the Plan is terminated for all of you. You remain
liable individually and jointly for all advances incurred before termination.
12. FEES AND CHARGES - if you give us a security interest in certain types of 1
property, we may charge you a filing fee to perfect our interest in the property ff so, 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. Those tees are disclosed on the
Addendum and will be added to your loan balance unless you pay them in cash.
13. UPDATING CREDIT INFORMATION - You promise that you will promptly give
us written notice it you move, change your name or employment, or if any other
information you provided to us changes. Upon our request you also agree to provide
us updated financial information.
14. DEFAULT - The following paragraph applies to borrowers In Idaho,
Kansas, Maine and South Carolina: You will be in default it you do not make a
payment of the amount required when it is due. You will also be in default if we
believe the prospect of payment, performance, or realization on any property given
as security is significantiy impaired.
The following paragraph applies only to borrowers In Wisconsin: You will be in
default if you tail to make a payment when due two times during any 12-month
period. You will be in default if breaking ary promise made under the Plan materially
impairs your ability to repay what you owe or materially impairs the condition, value,
or protection of or our right in any property you gave as security.
The following paragraph applies only to borrowers In lows: You will be in default
it you are more than 16 days late in making a payment. You will also be in default if 11
you do not comply with the terms of the Plan and your failure to comply materially
impairs any property you gave as security of your ability to repay what you owe
under the Plan.
FSECU FORM $3126
JexxtN6bt.+ C37.2D92-± (t-T18}
LOANUNEA' Credit and Securi Credit Agreement (continued)
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, became 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 also be in default under the Plan if you are in
default under any other loan agreement with us.
15. ACTIONS AFTER DEFAULT - The following paragraph applies to
borrowers In Colorado, District of Columbia, laws, Kansas, Maine,
Massachusetts, Missouri, Nebraska, West Virginia and South Carolina. 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 default, we can require immediate
payment (acceleration) of the entire unpaid balance under the Plan. You waive any
right you have to demand for payment. notice of intent to accelerate and notice of
acceleration.
The following paragraphs apply to borrowers In all states except, Wisconsin
and Louisiana: If immediate payment is demanded, you will continue to pay interest
until what you owe has been repaid, at the applicable interest rates in effect 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 toward what you owe. 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 for an advance under the Plan without judicial process if this can be done
without breach of the peace. It we ask, you promise to deliver the properly 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 0 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.
You will also have to 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, 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 ban balance
under the Plan and seek possession of the 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 properly. 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.
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 affect 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 toward what you owe. We can
also exercise any other rights given by law when you are in default and our rights
under any security agreements you have with us.
16. CANCELLING OR CHANGING THE PLAN - The following paragraph
applies only to borrowers in Illinois: We have the right to change the terms of the
Plan from time to time after giving you any advance notice required by law. Any
change to the interest rate or other charges will apply to future advances.
The following paragraphs apply 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 riot considered a i
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, 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 f
aw. A change that increases the rate of finance charge or other charge, that
ncreases 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.
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 Any change in the interact rate will apply to tuture 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 borrowers other than 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
par, of the Plan at any time. You can cancel the Plan at any time. Your obligation to
pay the unpaid balances under the terms of the Plar. continues whether you or the
Credit Union cancel the Plan.
17, 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.
18. CONTINUED EFFECTIVENESS - If any part of this Plan is determined by a
court to be unenforceable. the rest will remain in effect.
19. 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.
20. THE SECURITY FOR THE LOAN - 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.
21. WHAT THE SECURITY INTEREST COVERS - 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. If the property is household goods as defined by the Federal Trade
Commission Credit Practices Rule, the prope-ty will secure only the Advance and
not other amounts you owe.
22. OWNERSHIP OF THE PROPERTY -You promise that you own the property 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 h 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.
23. 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 '.s 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 interests and rights in the property,
to the extent permitted by applicable law.
24, 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 charging 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.
25. NORTH DAKOTA NOTICE TO 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.
25, VERMONT 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 RIGHTTO COLLECT
FROM YOU.
27. 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 0 your address changes. The
maximum penalty for unlawful failure to return a motor vehicle is one year in prison i
and/or a fine of $150.000.
This notice contains important information about your rights and our responsibilities
under the Fair Credit Billing Act. You are advised to read your monthly statement
and review it for any error discrepancies or unautnorized 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 resat 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, it you can, why you believe there is an error.
It you need more information, describe the item you are not sure about.
if you have authorized us to pay a credit card account automatically from your share
account or checking account, you can stop the payment on any amount you think is
wrong. To stop the payment your letter must reach us three business days before the
automatic payment is scheduled to occur.
YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR
WRITTEN NOTICE - We must acknowledge your letter within 30 days, unless we
have corrected the error by then. Within 90 days, we must either correct the error or
explain wiry we believe the statement was correct.
In this Agreement, the words you and your means each and all of those who apply
for the card or who signs this Agreement. Card means the VISA Credit Card and any
duplicates and renewals we issue. Account means your VISA Credit Card Line of
Credit account with us. We, us, and ours means this Credit Union.
t. RESPONSIBILITY -11 we issue you a card, you agree to repay all debts and the
Finance Charge arising from the use of the card and the card account. For example,
you are responsible for charges made by yourself, your spouse and minor children.
You are also responsible for charges made by anyone else to whom you give the
card, and this responsibility continues until the card is recovered. You cannot disclaim
responsibility by notifying us, but we will 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
not a party may direct you or one of the other persons responsible to pay the account.
2 LOST CARD NOTIFICATION - It you believe the card has been lost or stolen,
you will immer$atety call the Credit Union at (717) 234-8484 or (800) 237-7328. After
hours call (800) 556-5678.
3. LIABILITY FOR UNAUTHORIZED USE - You agree to notify us immediately,
orally or in writing of the loss, theft or unauthorized use of your Credit Card. You may
be liable for the unauthorized use of your Credit Card. You will riot be liable for
unauthorized use that occurs after you notify us of the loss, theft, or possible
unauthorized use. You will have no liability for unauthorized purchases made with
your Credit Card, unless you are grossly negligent in the handling of your Card. In
any case, your liability will not exceed 550.
4. CREDIT LINE - If we approve your application, we will establish a self-
replenishing Line of Credit for you and notify you of its amount when we issue the
card. You agree not to let the account balance exceed this approved Credit Line. Each
payment you make on the account will restore your Credit Line by the amount of the
payment which Is applied to the principal. You may request an increase in your Credit
Line only by written application to us, which must be approved by our credit committee
or loan officer. By giving you written notice we may reduce your Credit Line from time
to time, or with good cause, revoke your card and terminate this Agreement. Good
cause includes your failure to comply with this Agreement or any other agreement with
us, or our adverse reevaluation of your creditworthiness. You may also terminate this
Agreement at any time, but termination by either of us does not affect your obligation
to pay the account balance. The cards remain our property and you must recover and
surrender to us all cards upon our request and upon termination of this Agreement.
5. CREDIT INFORMATION - You authorize us to investigate your credit starxNntg
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, Me 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 data. 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 so. If your monthly payment exceeds the total credit line balance
owed, we aria automatcaity post the credit to your S1 shares.
The minimum payment will be (a) 2% of your Total New Balance, rounded up to the
next even dollar, or (b) $20.00, whichever is greater. In addition, at any time your Totat
New Balance exceeds your Credit Line, you must immediately pay the excess upon our
demand. We will apply payments in the following manner: first to previous late fees.
After we receive your letter, we cannot try to collect any amount you question, a report
you as delinquent. We car continue to send Statements to you for the amount you
question, inc uding finance charges, and we can apply any unpaid amount against your
credit limit. You do not have to pay ary questioned amount while we are investigating,
but you are still obligated to pay the parts of your statement that are not in glesten.
It we find that we made a mistake on your statement, you will not have to pay any
finance charges related to any questioned amount. If we didn't make a mistake, you
may have to pay finance charges, and you will have to make up any missed
payments on the questioned amount. In either case. we will send you a statement
of the amount you owe and the date that it is due..
If you fail to pay the amount that we think you owe, we may report you as delinquent.
However, if our explanation does not satisfy you and you write to us within ten days
telling us that you still refuse to pay, we must tell anyone we report you to that you
have a question about your statement. And, we must tell you the name of anyone
we reported you to. We must tell anyone we report you to that the matter has been
settled between us when it finally is.
If we don't follow these rules, we can't collect the first 650 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 miler; 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 service&
then to previous cash advances finance charges, then to previous purchase finance
charges, then to current late fees, then to previous cash advance balances, then to
previous purchase balances in the order that they were posted to your account, then
to current cash advance balances, and then to current purchase balances.
7. FINANCE CHARGES - You can avoid the Finance Charge on purchases by
paying the full amount of the New Balance of Purchases each month within 25 days
of your statement closing date. Otherwise, the New Balance of Purchases, and the
subsequent purchases from the date they are posted to your account, will be subject
to Finance Charge. Cash advances are always subject to Finance Charge tram the
date they are posted to your account.
Purchases: We calculate your finance charge by multplying 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 an cash advances by j
multiplying the average adjusted daily balance (see explanation below) for cash
advances during the billing cycle by the monthly periock advance rate and
corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum.
Balance Cornputation Method
Average Daily Balance for Purchases - The Average Daily Balance for Purchase
Transactions is calculated by adding the Daily Balances (Purchase Transaction) for
each day in the billing cycle, and then dividing by the number of days in the billing
cycle. To calculate the Daily Balance for purchases each day, 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 ail 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 Daffy Balance br Cash Advances - Cash Advance Transactions which are
posted to your account are not included in the Average Daffy 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 Transactfats i
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 Daity
Balance for cash each day, we take the following steps: We take the outstanding balance
(all amounts you owe) at the start of the clay. 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 i
and credits, we subtract the amount of arty unpaid Finance Charges or Late Charges. i
Then we also subtract the amount of any Purchase Transactions that posted to your I
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 ahvays subject to '
Trnance charges and from the day they are posted to your amount
Payments are applied in the following manner: first to previous late tees, 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 part`.cular type of debt which is being credited, if any, and then
to the balance of your account.
Note also that if 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
VISA* Credit Card Agreement and Truth In Lending Disclosure (continued)
New Balance shown on that statement, xe will rct apply the Morthfy Periodic Fate
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 tc transfer
funds sufficient to make the minimum payment due it your VISA loan is in default.
You agree that we may temporarily suspend your ATM card access if your VISA
payment is due for a period exceeding 30 days. You will also be in default if your
ability to repay us is materially reduced by a change in your employment, an
increase in your obligations, bankruptcy or insolvency proceedings involving you,
your dedth or your failure to abide by this Agreement, or 4 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 cur 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
altemative 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 be
returned with the statement. You will retain a copy of such slips furnished at the time
of the transaction in order to verify the monthly statement. The Credit Union may make
a reasonable charge for photocopies of slips you may request.
10. 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 your 51
Shares within 75 days. If the balance is one dollar or more, upon your written request
we will refund the credit balance to you.
11. FOREIGN TRANSACTIONS - Purchases and cash advances made in foreign
currencies will be billed to you in U.S. dollars. The conversion rate to dollars will be
made in accordance with the operating regulations for international transactions
established by VISA U.S.A., Inc.
12. PLAN MERCHANT DISPUTES - We are not responsible for the refusal of any
plan merchant or financial institution to honor your card. We are subject to claims and
ATM CARD CARDHOLDER AGREEMENT - The Undersigned (you or your), in
consideration of THE PENNSYLVANIA STATE EMPLOYEES CREDIT UNION (we,
I our and us) issuing to you an ATM CARD, hereby agree to be legally bound by the
following terms and conditions. You agree that the use of your ATM card(s)
constitutes acceptance of the terms and conditions of this Agreement. You
understand that ATM is a credit-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
AgreernenL 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 SYSTEMn ATM to (t)
withdraw resit 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 cotuitries 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 Checidng 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 shall be requesting us to withdraw funds in the
amount of such Purchase (including any cash received from the Merchant) from your
Checking Shares and directing or ordering us to pay such funds to the Merchant.
You request that we will provide to you such other services or access to other ATM
systems or networks using the ATM CARD which we may later make available and
which we advise you are offered in connection with your mount(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
in this Agreement shall be subject to the rules and regulations of each account
which is accessed by such Card.
2. USE OF PERSONAL IDENTIFICATION NUMBER ("PIN') WITH ATM CARD
You understand that a STAR SYSTEMS or a PLUS SYSTEM ATM is an automated
teller. It can and will perform many of the same tasks as a human teller. You
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 autnenticates and
validates the directions given just as your actual signature and other proof identity
defenses (other than tort claims) arising out of g )cds and services you purchase with
the card only if you have made a good faith attempt. but have been unatle to obtain
satisfaction from the plan merchant, and (a) your purchase was made in response to
an advertisement we sent or participated in sending you. -or (b) your purchase cost
more than $50 and was made from a plan merchant in your state or within 100 miles
of your home. Any other disputes you must resofvo diractiy with the plan merchant.
13. SECURITY INTEREST - To secure your account, you grant us a purchase
money security interest under the Uniform Commercia: Code in any goods you
purchase through the account. If you default, we will have the right to recover any of
these goods which we have not been paid for through our application of your
payments in the manner described in the Monthly Payment section. With respect to
this account only, we will not assert any statutory right we may have it you are in
default to prevent withdrawal of your unpiedged credit union shares (Deposits)
below the unpaid balance of your account. However, if you give or have giver 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.
14. 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.
15. LATE PAYMENT CHARGE - If your Minimum Payment is not paid within 15
days after the Payment Due Date, you will be subject to a single charge of 5% of the
minimum scheduled payment.
16. RUSH FEES - You may incur additional charges for rush processing and rush
delivery of cards and/or PIN mailer.
17. DRAFT COPIES - You may incur an additional charge for transaction
summary/sale draft documentation.
19. COPY RECEIVED - You acknowledge receipt of a copy of this Agreement.
19, ILLEGALTRANSACTIONS PROHIBITED -You agree that you will not use your
card for any transaction that is illegal under applicable federal, state, or local law.
20. 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.
21. 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.
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 Seff-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 mailed to you, you may not get any money
lost after that time. YOU AGREE THAT IF YOU GIVE YOUR ATM CARD(S) and PIN
TO SOMEONE ELSE TO USE YOU ARE AUTHORIZING THEM TO ACT ON YOUR
BEHALF AND YOU WILL BE RESPONSIBLE FOR ANY USE OF THE CARD(s) BY
THEM. You could lose all your money in the account(s) it 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.
A new card may be ordered for you at that time and a 'hold' will be placed on your
old card. After such time, if you find your old card, destroy the old card by cutting it
in half. If you attempt to use your old card, it will not work
4. CHARGES - You agree to pay a 50 cent charge for each deposit or withdrawal
exceeding 15 a month. You agree to pay the 50 cent penalty charge on any cash
disbursement transaction (loan advance of share withdrawal) that is less than 320.
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
E roniC Funds Transfer ATM AQrogrrtgllt..6n Re9utatlon "E",Q o ure
(continued)
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 lurds which
may be deposited and that we may not control these limits.
6. LIABILITY - It 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 it you make deposits or payments to your account(s)
with Items other than cash fchecks, drafts or tattier items) and we make funds
available to you from such deposits prior to their coiiection, 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 it to us upon our request. You agree that the ATM CARD is non-
transferable.
9. DISCLOSURES - You hereby acknowledge receipt of the disclosure statement
informing you of your rights under the Electronic Funds Transfer Act and a copy of
this Agreement.
REGULATION "E" DISCLOSURE
1. ELECTRONIC CHECK CONVERSIOWELECTRONIC RETURNED CHECK
FEES - If you pay for something with a check or share draft, you may authorize it
to be converted to an electronic fund transfer. You may also authorize merchants to
electronically debit your account for returned check fees, You are considered to have
authorized these electronic funds transfers if you complete the transaction after
being told (orally or by a notice posted or sent to you) that the transfer may be
processed eectronically or if you sign a written authorization.
2. SUMMARY OF CONSUMER LIABILITY -
• ATM, ACH and SST - Tell us at once if you believe your card has been lost
or stolen. Telephoning is the best way to keep your possible losses down. You could
lose all the money in your account plus your maximum overdraft line of credit. If you
believe your card has been lost or stolen, and you tell us within two business days
after you learn of the loss or theft, you can lose no more than 350 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 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 VISA Credit or Debit
Cards, /glow the directions for Lost Carta 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)
234-6484 (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
TDO (800) 472.1967 Nationwide
(717) 777-2100 in Harrisburg
4. FINANCIAL INSTITUTION'S BUSINESS DAYS -
• ATM, ACH and SST - PSECU's Business Days are Monday through Friday,
Holidays not included.
5. TYPES OF ELECTRONIC TRANSFERS A CONSUMER MAY MAKE -
• ATM - Balance inquiries on checking. savings and PSL; withdrawals from
checking/savings: casn advance from PSL; deposits to checdngsavings:
purchase goods and services at any accepting retail establishment.
• ACH - Preautnorized 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 ban account from
your PSL to any share or loan account. withdrawals from any si are 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 withdrawai) less
than S20; fifty cents for each transaotior, 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 - $20 service charge for insutlic ens 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 t`e time of each
transaction. You will receive a monthly statement showing me status of your
account, any transactions made during the month, and any penalties or
charges PSECU may impose during the month.
• ACH and SST - You will receive a monthly statement showing the status of
your account, any transactions made during the month, and any penalties or
charges PSECU may impose during the month.
• If you have arranged to have a direct deposit made to your account at least
once every 60 days from the same person or company, you can call us at
(800) 237-7328 to find out whether or not the deposit has been made.
8. STOP PAYMENT RIGHTS - PRE-AUTHORIZED TRANSFERS -
• ATM and SST - Not applicable.
• ACH - Right to Stop Payment and Procedures for doing so. If you have told
us in advance to make regular payments out of your account, you can stop
any of these payments. Here's how: Cali 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 17106.7D13, in time for us to
receive your request three business days or more before the payment is
scheduled to be made. If you call, we may also require you to put your request
in writing and get it to us within 14 days after you call.
• Notice of Varying Amounts. If these regular payments may vary in amount,
the person you are going to pay will tell you, 10 days before each payment,
when it will be made and how much it will be. You may choose instead to get
this notice only when the payment would differ by more than a certain amount
from the previous payment, or when the amount would fail outside certain
limits that you set.
• Liability for Failure to Stop Payment of Pmauthorized Transfers. If you
order us to stop one of these payments three business days or more before
the transfer is scheduled, and we do not do so, we will be liable for your losses
or damages, unless we request and do not receive written confirmation of an
oral stop payment within 14 days and the transfer takes place after 14 days,
or you fail to give us proper instructions that would enable us to place the stop
on the transfer.
9. SUMMARY OF THE FINANCIAL INSTITUTION'S FAILURE TO MAKE OR
STOP CERTAIN TRANSFERS -
• ATM - If PSECU fails to complete a transaction on time or in the correct
amount, when properly instructed by you, PSECU will be liable for damages
caused by our failure unless: (1) there are insufficient funds in your account to
complete the transfer; (2) the funds in your account are uncollected; (3) the
funds are subject to legal process; (4) the transaction you request would exceed
the funds in your account plus any available overdraft protection; (5) the STAR
Systems, PLUS system has insufficient cash to complete the transaction; (6)
your card has been reported lost or stolen and you are using the reported card;
(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
f
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 {
permissible transaction listed above; or, (11) the transaction would exceed the
security limitations on the use of your ATM CARD.
• ACH and SST - If PSECU tails to complete a transaction on time or in the
correct amount, when properly instructed by you, PSECU will be liable for
damages caused by our 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 subjZ to legal process; (4) the transaction you
request would exceed the funds in your account plus any available overdraft
credit; (5) PSECU has reason to believe that the transaction requested is
unauthorized; (6) the failure was caused by an act of God, fire, or other
catastrophe, or by another cause beyond control, in any case, PSECU shall
be liable only for actual prover, and not consequential damages 0 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 dischse information about your account to
third parties: (1) when 0 is necessary to complete transactions: (2) to verity
the existence and standing of your account with PSECU upon request of third I
party, such as a credit bureau: (3) to comply with government agency or court 1
Electronic Fundy TranE(r gTM Asrg min _pnd?ggr2lpiion ?1.p>4csosure
(continued)
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 ceriification from a Federal Agency or department
that a request for information is in compliance with the Right to Financial
Privacy Act of 1978; Regulation P, Privacy of Consumer Financial information;
and (7) when it is necessary to take legal action to recover shares.
11. STAR SYSTEMS SERVICES -
• AVM 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 Persorai 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 idertification
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 Onty - 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
wthdraw/purchase up to $500 at point of sale locations. PSECU reserves the
right to reduce this daily limit at any time. In the evert that your dally limit is
less than $S00, PSECU will adAse 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. fi
You will be denied use of your ATM CARD if you exceed the daily I
withdrawal/purchase limit, if you do not have adequate funds available in your I
account, do not enter the correct Personal Identification Number (PIN), or
exceed the frequency of usage limitation The receipt provided by the STAR
SYSTEMs or PLUS SYSTEM ATM or Merchant terminal will notify you of the
denial. There is a limit on the number of such denials permitted. Attempts to
exceed the limit wit result in machine retention of our ATM CARD. The number
of attempts that resuft in machine ratAnfian is Ant Mwalad for sRCUfity purposes.
16. ERROR RESOLUTION PROCEDURES -
• ATM, ACH and SST - in case of er ors or questions about your transactions:
Direct inquiries to PSECU at (800) 237-7328 Nationwide, TOO (800) 472-
1967 Nationwide, (717) 777.2100 it Harrisburg, or write PSECU at:
Pennsylvania State Employees Credit Lnion, P.O. Box 67013, Harrisburg, PA
17106-7013, as soon as you can if you think your statement or receipt is
wrong, or if you need more information about a transaction listed on the
statement or receipt. PSECU must hear from you no later than 6C days after
it sent you the first statement on Amish the problem or error appeared. You
must provide the following information: (a) Your name, account number, and
ATM CARD number (it 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 vour complaint or question in writng
within 10 business days. PSECU will teli you the results of the investigation
within 10 business days for STAR SYSTEMS, PLUS SYSTEM, , SELF-
SERVICE TELEPHONE, or DIRECT DEBIT/CREDIT TRANSACTIONS, or 20
days for STAR SYSTEMS purchase transactions. If we need more time,
however, we may take up to 45 days for STAR SYSTEMS, PLUS SYSTEM,
SELF-SERVICE TELEPHONE, or DIRECT DEBIT/CREDIT TRANSACTIONS or
90 days for STAR SYSTEMS purchase transactions. If PSECU decades to do
this, it will recredit your account within 10 business days for the amount you think
is in error it it is a STAR SYSTEMS. PLUS SYSTEM, SELF-SERVICE
TELEPHONE, or DIRECT DEBIT/CREDIT transaction, or 20 business days it it
is a STAR SYSTEMS purchase transaction, You will have the use of the money
during the time it takes to complete the Investigation. If PSECU does not receive
your compl tirt 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 crecits
your account while investigating, you must repay those funds rf 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 N you do not complete a fund transfer). The ATM surcharge will be
debited from your account if you elect to complete the transaction.
Notice To Consumers Using ATM's
• Be alert to your surroundings. If you doubt the safety of a particular location,
choose another ATM,
• K the ATM has an entry door, close the ooor prior to initiating your transaction.
• Put your cash away immediately.
• Direct complaints concerning ATM security to an appropriate department of
the owner of the ATM. New Jersey residents; you may call the New Jersey
Department of Banking at (609) 292-7272.
For those members who purchase a vehicle under the
DRIV Program, please review the following FTC Notice-
NOTICE
ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT
IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH
THE DEBTOR COULD ASSERT AGAINST THE SELLER
OF GOODS OR SERVICES OBTAINED WITH THE
PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE
DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE
DEBTOR HEREUNDER.
G
jA
`4r
AH
?0 •
0.91
C '0
La'y
w 9
ttwA
vI
.2
C
T
a
C
a
ii.
W
z
J
.J
7.
W
c! C y ?t
EO> µl a g l? O
mm$ ga a;;?
a
oo ?
3
ivy IS a iim v?
?a
O
'? _ O
ai
m G
61 c Q
4
7 M 'O a
o Q G
C 'm
C
°
° fly C C, '4 C6
rr
N
cm
y y =
a
d a ?
w O iOE
{aC '44
A
a
u
i21y
~ N V
?
«°C _
84 chp`
G>m.) C)
C , pa
m?
n ?3`r; m
? ,
gym
m? d
Zy M
-0
m L
3 u)
p`..
E
c
'
S C ?G
m '
.
J 1n0
o
gg ?
?
13 m yx
?
N g g o c 0
Ew ?
G .8.
P 2 O
Z
'
5 U N
W H iL
m G
?
m ?'° .N
? E y >
N
EE° O
s
0.
????
•
c '
p° 0
p
-Do
c -
; >
C7c 5?
Um$
c t°
t a
$-
`-4
y Odd w?mc
i
?j ?
Cw?
°
z'- `
te c
c
Qg
m y
UmA
way
E
v
?z
7S
i a y, J `., ._ J tau
> ns » o a U m QJ E m?
L
ssr
m c
R m ? m m
o ? ?
m m N
y LL R
R N
m bay y
c?+mE
.4ro?
U S o ? L
W
J ° m C
QU o ° _ T E°
R m m ??
N D m $ ro o y
m $ T C y L
C nom m A c$ 7
0
oM o
H a'
o y???cyr.
E m ° g? c c
m n ? ? $ H
y p C= R 10 CL=
b m m
w a° -0
U m
5 LL t- m o?o. yG.E
it.
?
? E
,G
o P-
8
2 ? N E
.r
•
G
e
E
ooo000p0oo00000poo 0o
° 01 M' O N ^ .M- ^ OOCi. tO Y)aRN '
N =
n
r
c y
S
? Ea E
3
• e
a
c ?
w E
.L.
O
C O
w c
.y. E ? gopp??oppfovN??°oa°cQi???°RS°$°O
v M/71")M N NNN ? 4 v N 9
J
0
6 ?
d ?
C
C
¢ C
p o QQQ pp
S
S
00
?
0
8
88o
8
8
0S
O
?".
".
p
0 oa b
d $$
eQ?
Q
QQ
??QQ
S5
??
55
QQ
Q
QQ 5
??Q
5
??
2525Z5??25?5o5?2S25?g252S?25g >? c
?+
G
E N U
e
cOti M1f1: MN rCl P?DHmYtvriN r
C ;d
r?rr.-r
r r r
sS0SSB911-q9 8838850
5
r
d
? oS
b,
o
,
S
S
o
o
?
S
v`.?
o
oo
o
o
o
o
o d? .
? m ? Q
Q
Q
Q
QQ
,Q
Q
S
Q?QQ
S
?
Q
Q
g
QQ
Q
QQ
QQQ
2S
2
2
2
8
2
2
2
25
??
?2
?
? a?
C. c E
J F S
8
5
S
S
5Y
5
5
5
5
X
5
aa_or cavMN?omeor:ovivMN.
r .- ? .- ? a_o
IL
?s
6 b
$ v M P°p v
v OaoMOM a M O o o v
wOcc M OM pp n o M
CO 0 a
a M o
ANU,
rg[ NNNNNV NNNN V"i 'i
.N cl; C4 1-i
NNNN .6
N vi
NNH
E
s
?
bs
?
gsae*0
°1
P
P ape gs
P P o* be
n *age
N
h
? V
Y
P
viUivvd?•i P
viKivvvai P P P P
omaoaD N e
.
NNN ?
lift P
d ?
povOOOOa Cp°d?
a ?vwoo ri n.°,.°o a n
w iA?MMM11 p
0.
$?ff MMMO v qM V n nn0 n
a s Uo809 so 80 10, 800.3 S
y? O p 00 O
G N IV fVN N
O
a? vN0.0 ?Ov
OD n?O V MN vN0M?O V
mfg O vMN v0 M O
.0 10 0) N O.m Q
CL I"
v'aM
^
C
? nt M
?? y M R
? m
N Q • ?
m Q O
?Q
Qp5
?
?
SSS
? .m
.
C
p
• S
? OCO°
0 3 >
OOOOC
$ o ?
?5
?
$
.$?a01A ri
y?NMN ° V J
? p
m
eC] w ?iQ p$ EEE ^ ?
w
i J ? Y
3
a 1
?
?r y88
b m .
?
?3gm w J
3
d+po?;;
?
+
O N r pp M R S
MNNN}V? oN25 ?
N r pp ?p m;
NMy?N}H CrycccCm
Q O O O
JJJJ c
J r a'- w
» N? O u
C
C c
O R
c
q o m
2 K a to C)i n
. a
ills
?b 161
3 ?
lieaitlf?s a
ZIQ
C
? o t
° O
c'5 0 4
7 r E 9
3
9 C C N
1 .N 4W.. Oc
8
N C B, 7 m E
yqC
?LN ?,7 O E
3Nvo o.E ?E
Ci eo < C
?
r y
4 $
•
M
M E o
a °
c m L 7
N
2 O-
C C C O
l0 '.
Ch .°.
° =m e0 `?-
:3
i y z
° E
?
c = i
r
?
o C E T o.
m c m
a1
l6 p T t0
nL W A U -
A
O s a
$
c o
O E
,? U N W
Q M a
70 S C s
q A m NAM W Y1A (v OiNED tf 01 Npp?p p Opp M MO N
Mo
?1 Nf A N .- e- 0 0 0f ep?1 07 ?p A A 0 ??pp yy b ?f1 N ?fp rf lil N fV
r
Q,
N
Q ?
+
7 T V [p Q OOOOQOOOGO O OO
O OOOO
,=
NC
?p
C 7 g .C O
?, 0 ?i p
C
?
d
? C U
U? COL
M
7 O N~
O
? ?
'g
fD
3
T? ?q.
g7
0 'g
M ? A ? N n ?n A Oo O.-NM
Y1 (OA Oa! O
°
p- E 3
40
?s Y
a>oeae a?ea
or--QQasg-
--
r 0> --
-
,
o Q N
E n N
E
m
I w
y
co rv of a p p 00 'f e7 N u? ?n [p a N A w M ep to ?p Oe f i0 A
g
C
O OC /h 00/W AIOo rl O??iOA ?m?N
ao v,l M M
M M A M M M M f V N N! V N N N N f1 VV N N N
B A y - '
V O 0
V
$ c o o
V C _N
0
a
3 $ ?
co
q ?
j-
N O
U y aa D cO nr? I? o fryV ?f r NN aD Ce p
?ObtO tNO aD m t8b -0 nh A h ?t-? OA1$ao W aD aD W ?aA0 aD 4f 01
N
-l
CL8 x 7
on
w
Cc 8-s
40
>
a
.9 0
Q
EM -
N?? f N ? a a 0 p
.? O w rA w
y!Lw .?
p
t?
L N C
pp
?O
() w O L
.
' O. yy
C
L ? N A to N N?OO NAA f NQNf O f AN
a C0 in 4'f N 0 vm N'C N O
?tOn 170 co W
r
-
(p f as A tO /) N
Ob O1 Q1000D aD W A AA fD fD 10 ?D ID ?t1hUfNNYf
???
rl C14
C- `' Zt
-
'f
111 fY ^ f f
v
W o °m tv c c?
?7 E
N C C
`
O b
A
F N 1'S M1 A Q p N M ? YY (tpp A ep GD N p {p ^ ?p q
17 M M A M A M A M f f f f f f f f f f? N v7 ??? 1f1 ll! Ml 10
?r
r3 -
R... Q
? E
9.
G e t.
U? .
c L???
N
N p
eon...
O
'r C ?V
s V S.
to
-
N
`:s
O .?
ao
?
N? e of
_
? nc?
`
° .
W
m ?
1
6
y 1
? ?
p mo?pj ?e pip V ??j, f pp
???N? N
R
A A ??
A
A
r
NN
NA
CO
o L =
€ c ro
4 G O
E° m V ry
f
'1
f
f
l7 lV
I
V N I
tYNNN
o
c?a v y
me-mom i nay
A
V c
L -9
a$ S %`U
c c o
O
CO C
n pp NN
.-NM f NfDAaoQ? ?Nr?.N ?eA--?ENNeV NNN N A A 9
C 3 c
y
M> d sL
g a 0
_ p?-0 0, > 78
0 $
w?t: II M
.3p
3 o y ?. N/ O 0
?
? o rn °iE E,2 t c
c 'co
d o co $ oQ
U S M 0S 9-0 t: v ,
E
u
m w su?mzo
'
m y _ 'op y.
O y
Qy
V ?
r..
O A. _ ?
N $
S
?
? ?
ap
epp6 C ? x
L n h+
v E €
N N C
C L
7 N Y m
-
q
C C .? N k L
3 N
c
?
$ E ai.$
=11
o
O m o i. "
?ia owg E c°?v
It R o,?
0
'? 9j
M EtD
w
d
e6 d M w
, .
EXHIBIT CCC"
i
i ;
e V
CQ
k0ANOW Pennsylvania State
Employees Credit Union
P. O. Box 67013
ADVANCE PROCEEDS VOUCHER
PSECO Harrisburg, PA 17106.7013
AND SECURITY AGREEMENT fho flnnnnrnl 18PIL-.. lann "7."498
'LANETTE STRAWSER 8/29/2005
I 8304555934 / L'17 478885
1650 HOLTZ RD
ENOLA, PA 17025-1312 PURPOSE-
Dealer Purchase
TR"AGnON TYPE 1. NEW LOAN M E]
LOAN ADVANCE 3
?
(poniffl
EBCFiIBEI 4. ?
EQUnY ADVANCE
ErKllnr ADVANCE, THE ONL1r8ECURliy "710 ADVi1NCE OVA REAL PROf+EmY #N M0870A8ESYOMIR MM WHICH YbU GAVE AS =MM WH9IYOUR ACCOUNT
?&WM HIM
VMS 0 WrA HOMa EMN ADVANCE, IN ADDITION TO THE PLEDGE OR SNARES MI YOUR LOANLINEM CREDIT AGREEMENT, THE FOLLOWING PROPEIM yWWM THIS AIMM
a ..4. t
SATURN LS2 2001 1G8JW54R61Y54604 SDN 8,325.00
2.
3
4.OTHER
YOU PLEDGE SHARES ANDA)R DEPOSITS OF $
IN ACCOUNT NUMBSI
By accaong the proceeds or by using the funds advanced and deposited Mlto your shara/dwre draft ar?otslt, you agree (1).that the property referenced above
will secure the advance and any other advances you have now or recelve in the future under the IAANUIfr?R' Credb 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 to melee
accordance with the term of the Plan. (2) RaYmeMs as disclosed above In
OMMelUN.8N0UjIft1tKOL818&04.2000.m.04.AR21AWnenF RUM ..r.?
cwr. v. moo ?nGn, urvKM M"M IM75 JV)=100.1 03742282.1 (4101)
ANNE
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 Credi
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 advanc
mean the amount in the box labeled Amount Advanced. This is a multi-state documen
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 th
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
-nay provide the property insurance through a policy you already have, or through a
)olicy you get and pay for. You promise to make the insurance policy payable to us
ind to deliver. the policy or proof of coverage to us if asked to do so.
f you cancel your insurance and get a refund, we have a right to the refund. If the
)roperty 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
lue under your insurance policy. You also promise to pay all taxes and fees (like
a registration fees) due on the property.
t 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,
e fees or insurance will be added to the unpaid balance of the advance and you will pay
t 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
k 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 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 vear in nrlcnn nnrUnr n find of @i Sn nnn
t Penrisylvailia' State Employees`Credit Unioil?' No. 4788850
-' ?' •, POSesd70u'e Ite,llep,ep, PA 17111&7017 (7t7) 7N•Nedor(s00) 777.7721 •
AUTODRAFT VOID OVER $ 7,000.00 REFERENCE, 8304555934 r VOID 120 DAYS AFTER 08115105.
PAY OTHE: ?,v•?:''\ti) ???.' i?4•?`?^', ',??:.";=?2'
.a ?• O F100 ,_ENI... ' .\ ?.a;• .%•UaTj :1?. `•2 \c Zs .?`,.
".0 V
30933 682965 596
EMB R q.4? NT. ? •• • . . '°
By endorsing Uds Aut.awt. I1We spree to the terms listed on the tame side
''
01 the du14 Cempleu tho,jeyewin g repeyrn.nt Intamutbn. t ,Y?rti,y
y y ,ti .}
n
,,
?
?,
?•
h
y
? : Y1a
?7Etu11: ?QQ•,•wuwa Av1e,iMe1R•?iomE O:sted.n n(limwy ceup?n:
b .C•'' s?
L
u
rDAWNrlw
o
4Y
'i
;?
?, •,
'
I
O
M
e
r
•
Nushel W;F%.Vt-N; . .w'.N
l
r :
t .ti).1,•
•
.
••
Member Endorse nt
. • :? ?_ L ETTE STRA FJt.•: ?'?,. -
. .
Cti-Applieu i Endorsement l • ' ??" •
NO CO'•APPLICANT'' ti:-4i . _
0147888.50R' 4 2 3 138 1 11,64. 31780,2:3004',•::44 'rf00006.968.50.t'...•;
O"AMt VOID UNLESS DEALER ENDORSEMENT "COMPLETED:
r'. Ord./ N d Sete INew iN Used VWskel nd laasry invurw INew Velxlsd
N ue..Wlskse I AulaOrslo N rwMd ee PSECU or 1tw ANODi:It'wY M '
-A. to el thi llewde 11tH AuleGslt eMll be pod u IN Ben:wu(d ' '
r
le;.,B::.w«.a«nn PW::
mold 0.Vri. cuft pt«eese el tie 11 " ',Is
id..
miEild:sil. e.e«.. ede •.' NECd FA%/7i7.787i76L•'•.'•,
70OWSM91 WY&Y nm 17-
wle . ?.
?
.:
n, Nth .,
.
S se
Ye06 - eseee
(:? 6Q JI oft
)oq
yyyy
?
1
ay3? SFsa3 " 7 7-
ta SRI! 41 11,11
III! I ji 1 1
at?$?? t 3? fall
a i a#gg.
M.. I
8i - . . 99
j rn cn fsS E; ?$ s?. g 9 a o°
x43100005' Na?::,?g
4a t`R C'l it 1.7Cn .dL•.wi a 4
a. •._a+1i'1. jTli s wt fill y ;% l a; S
EXHIBIT "D"
It
Pennsylvania State Employees Credit Union
PO, Box 67013 • Harrisburg, PA 17106-7013 • (717) 234-8484 Harrisburg, (80D) 237-7328 Nationwide
'PSE(*
I the financial links
Loan Disclosures
This LOANLINER' Credit and Security Agreement, which includes the Truth in
Lending Disclosures, Vitt be referred to as the Plan. The Plan documents include this
agreement and an Addendum. You, your and borrower mean any person who signs
the Plan. Credit union, we, our and us mean PSECU or anyone to whom the Credit
Union transfers its rights under the Plan.
HOW THIS PLAN WORKS - This is an open-end, multi-featured credit plan. We
anticipate that, from time to time, you will borrow money (called "advances°) under
the Plan. We are not required to make advances to you under the Plan and can
refuse a request for an advance at any time. The Addendum describes the
different types of credit (called "subaccounts) available under the Plan, the current
interest rate for each subaccount expressed as a daily periodic rate and
corresponding annual percentage rate and other charges. It may also have other
terms and a schedule for determining the payment amounts.
CREDIT LIMIT - We may, but do not have to, establish a credit limit on certain
subaccounts. It a credU 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 fthe 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 subaccount You may repay all
or part of what you owe at any time without any prepayment penatty. 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 holler of the sharedraft account. Unless otherwise required by
law, payments will be applied to amounts owed under the Plan, in the manner the
Credit Union chooses.
PLAN ACCESS -You can obtain credit advances in any manner authorized by us. If
we allow you to use your ATM/Dabit card to access the Plan, you may be liable for the
unauthorized use of your ATM/Debit card. You wil 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 dare" acoount, your liability is governed by the Regulation E
disclosures you received at the time you received your ATM/Debit card, even 6 the
withdrawal results in an advance being made from your overdraft subaccount.
FINANCE CHARGE -The dollar amount you pay for money borrowed is called a
`finance charge' and begins on the date of each advance. A finance charge will be
computed separately for each separate balance under the Plan. To compute the
finance charge, the unpaid balance for each day since your last payment (or since
an advance If you have not yet made a payment) is multiplied by the applicable daily
periodic rate. The sum of these amounts is the finance charge owed. The balance
used to compute the finance charge is the unpaid balance each day after payments
and credits to that balance have been subtracted and any additions to the balance
have been made. In addition to interest, we may charge other finance charges which
are disclosed on the Addendum. If the interest rate is a variable interest rate, the
Addendum explains how the variable interest rate works.
SECURfTY -- You pledge as security for the Plan all shares and dividends and, if
any, all deposits and interest in all joint and individual accounts you have with us
now and in the future. it 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 lien on the shares and dividends
and, if any, the deposits and interest in all individual and joint accounts you have with
us and may exercise our rights under the lien to the extent permitted by state law.
(We are state chartered if our name does not include the term "Federal Credit
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 N given as security.
Additional security for the Plan may be required at the time of an advance If a
subaccount identifies a type of property (such as "New Cars") you must give that
type of property as security when you get an advance under that subaccount. A
subaccount name such as "Other Secured" means you must provide security
acceptable to us when you obtain an advance under that subaccount. Property you
give as security will secure all amounts owed under the Plan and all other loans you
have with us now or in the future, except any loan secured by your principal dwelling.
Property securing other loans you have with us may also secure the Plan.
CREDIT INSURANCE - Credit life and/or credit disability insurance -s optonal
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
Z 'UNA AAu",. JAL G?,^.i,'R. INN, 32, 81. %. 89, 98. 1,9. 2000, 6'. 02, ?,X; 04, C",. ALL.RIGHTS ;ESeR JEU Mo.
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 - 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 aocounfholder may terminate the Plan by giving us prior written
notice. ft any of you terminate the Plan, the Plan is terminated for all of you. You
remain liable individually and jointly for all advances incurred before termination.
FEES AND CHARGES - If you give us a security interest in certain types of
property, we may charge you a filing fee to perfect our interest In the property. If we
do, the amount of the fee will be disclosed to you at the time you obtain an advance,
We may also charge you other fees in connection with the Plan. Our current fees are
disclosed on the Addendum and will be added to your loan balance unless you pay
them in cash.
UPDATING CREDIT INFORMATION - You promise that you will promptly give us
written notice if 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 - The following paragraph applies to borrowers in Idaho, Kansas,
Maine and Satoh Carolina: You will be in default It you do not make a payment of
the amount required when it is due. You will also be in default if we believe the
prospect of payment, performance, or realization on ant property given as security
is significantly impaired.
The foHawing paragraph applies only to borrowers In Wisconsin: You will be in
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
impairs your ability to repay what you owe or materially impairs the condition, value,
or protection of or our right in any property you gave as security.
The following paragraph applies only to borrowers In lows: You will be in
default if you are more than 10 days late in making a payment. You will also be in
default if you do not comply with the terms of the Plan and your failure to comply
materially impairs any property you gave as security or your agility to repay what you
owe under the Plan.
The following paragraph applies to borrowers in e0 other stater: 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 0 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 defauft if you die, file for bankruptcy, become insolvent, it you
make any false or misleading statements in any credit application or update of credit
information, or N 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 forfethme or similar
law, or if anything else happens that significantly affects the value of the property or
our security interest in it. You YAP also be In default under the Wan N you are in default
under any other loan agreement with us.
ACTIONS AFTER DEFAULT - The following paragraph applier to borrowers In
Colorado, District of Columbia, Iowa, Kansas, Mane, Massachusetts, Missouri,
Nebraska, South Carolina and Kest Virginia: When you are In default and after
expiration of arty right you have under applicable state law to cure your detauft, we can
demand immediate payment of the entire unpaid balance under the Plan without
giving you advance notice.
The foAowktg paragraph applies to borrowers in ail other states except N74oo,nsin
and Louisiana: When you are in default, we can require immediate payment
(acceleration) of the entire unpaid balance under the Plan. You waive any right you have
to demand for payment. notice of intent to accelerate and notice of acceleration.
The fallowing paragraphs slaty to borrowers In all stales except Wisconsln and
Louisiana: if immediate payment is demanded, you will continue to pay interest until
what you are has been repaid at the applicable interest rates in effect or, if applicable,
at the default rate disclosed on the Addendum. If a demand for immediate payment
has been made, your shares 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 giver.
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
CPSMGI PSECU FORM x3146
JBXX0601.2 037-2092.1 (3AWI
LOANLINER' Credit and Security Credit Agreement (continued)
obtain a key or other device necessary to unlock and operate it, when you are in
default. We will not be responsible for any other property, not covered by this
Agreement, that you leave inside the property or that is attached to the property. We
will try to return that property to you or make it available for you to claim.
After we have possession of the property, we can sell it and apply the money to any
amounts you owe us. We will give you notice of any public disposition or the date after
which a private disposition will be held. Our expenses for taking possession of and
selling the property will be deducted from the money received from the sate. 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, it 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 home.
trailer, snowmobile, boat or aircraft. you will also be required to pay any costs permitted
by Section 422.413 of the Wisconsin Statutes. You must pay any amount that remains
unpaid after the sale money has been applied to what you owe under the Plan. You
agree to pay interest on any unpaid amount at the same rate as the advance, or, if
applicable, at the default rate disclosed on the Addendum, until that amount is paid.
If the property Is located outside Wisconsin at the time of default, we may take
possession of the property without judicial process, if permitted by the state where
the property is located.
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 under any security agreements you have with us.
CANCELLING OR CHANGING THE PLAN - The following paragraph applies
only to bonowan in Nlinois: We have the right to change the terms of the Plan from
I 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 following paragraph applies only to borrowers in Wisconsin: We can
change the terms of the Plan from time to time in accordance with Section 422.415
of the Wisconsin Statutes. You will be notified of any change in terms. An Increase
in the daily periodic rate under a variable rate interest rate is not considered a
change in terms under the Plan. We can cancel the entire Plan or any part of the
Plan at arty time. You may cancel the Plan at any time by giving us prior written
notice. Your obligation to pay the unpaid balances under the terms of the Plan
continues whether you or the credit union cancel the Plan, except to the extent that
your liability is limited by Section 422.4155 of the Wisconsin Statutes.
The following paragraph applies only to borrowers in Iowa: We can change the
terms of the Plan from time to time after giving you any advance notice required by
law. A change that increases the rate of finance charge or other charge, that
increases the amount of your payments, or that otherwise adversely affects existing
i balances will apply to existing balances only if you agree to the change or you use
the Plan after receiving notice that your use of the Plan means you agree the
change applies to existing balances.
The following paragraph applies to borrowers In 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.
The following paragraph applies to aft 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 W 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 - 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.
Tire following is required by Yermoni 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 It 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 ail
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 it 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 this 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 l
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 it the Advance is to buy the property, you promise you will use
the Advance fiat 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 I
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 i
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 1
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 1
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 rotund 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 properly when due or keep it insured, we may
pay these obhgatiorm 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 whetter you and
other borrowers have complied with the insurance requirements of our loam agreements e
or may engage others to do so. The insurance charge added to an advance may include 1
(1) the insurance company's payments to us and (2) the exist of determining compliance I
with the insurance requirements. If we add amounts for taxes, fees or insurance to the i
unpaid balance of an advance, we may increase your payments to pay the amount
added within the term of the insurance or approximate term of the advance.
INSURANCE NOTICE -- If you do not purchase the required property insurance,
the insurance we may purchase and charge you for will cover only our interest in the
property. The premium for this insurance may be higher because the insurance
company may have given us the right to purchase insurance after uninsured i
collateral is lost or damaged. The Insurance wHf not be liability Insurance and j
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 galled 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 1
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 taw.
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 K the property is damaged, i
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 s 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 statement
and review it for any error discrepancies or unauthorized transactions.
NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR
STATEMENT. If you think your statement is wrong, or if you need more information
about a transaction on your statement, write us on a separate sheet at the address
listed on your statement. You are required to notify us in writing within 60 days
following the date on which we sent your statement wherein the error or problem
first appeared regarding any discrepancy or unauthorized transactions on your
account. Failure to notify us may result in your acceptance of any responsibility for
payment or reimbursement to us for any such error or discrepancy on your account.
Write to us as soon as possible. You can telephone us, but doing so will not
preserve your rights.
In your letter, give us the following information:
Your name and account number.
The dollar amount of the suspected error.
Describe the error and explain, it you can, why you believe there is an error.
It 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 ietter 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 an 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, its, and ours means this Credit Union.
1. RESPONSH31UTY - if we issue you a card, you agree to repay all debts and the
Finance Charge arising from the use of the card and the card account For example,
you are responsible for charges made by yourself, your spouse and minor children.
You are also responsible for charges made by anyone else to whom you give the
card, and this responsibility continues until the card is recovered.You cannot disclaim
responsibility by notifying us, but we will close the account for new transactions 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.
2. LOST CARD NOTIFICATION - If you believe the card has been lost or stolen,
you will immediatey call the Credit Union at (717) 234-8484 or (800) 237.7328. After
hours can (800) 556-5678.
3. LIABILITY FOR UNAUTHORIZED USE - You agree to notify us Immediately,
orally or in writing of the loss, theft or unauthorized use of your Credit Card. You may
be liable for the unauthorized use of your Credit Card. You will not be liable for
unauthorized use that occurs after you notify us of the loss, theft, or possible
! unauthorized use. You will have no liability for unauthorized purchases made with
your Credit Card, unless you are grossly negligent In the handling of your Card. In
any case, your liability will not exceed $50.
4. CREDIT LINE - If we approve your application, we will establish a self-
f 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 Line only by written application to us, which must be approved by our credit committee
or loam officer. By giving you written notice we may reduce your Credit Line from time
to time, or with good cause, revoke your card and terminate this Agreement. Good
cause includes your failure to comply with this Agreement or any other agreement with
us, or our adverse reevaluation of your creditworthiness. You may also terminate this
Agreement at any time, but termination by either of us does not affect your obligation
to pay the account balance. The cards remain our property and you must recover and
surrender to us all cards upon our request and upon termination of this Agreement.
5. CREDIT INFORMATION - You authorize us to investigate your credit standing
when opening, renewing or reviewing your account, and you authorize us to disclose
j 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 you
account, the remaining credit available under your Credit Line, the New Balances of
j 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 iv hmum 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 rrwre 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 S1 shares.
The minimum payment will be (a) 2°,a 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 celled 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 quesb+on.
If we find that we made a mistake on your statement, you will not have to pay any
finance charges related to any questioned amount. If we didn't make a mistake, you
may have to pay finance charges, and you will have to make up any missed
payments on the questioned amount. In either case we will send you a statement
of the amount you owe and the date that it is due.
If you fail to pay the amount that we think you owe, we may report you as delinquent.
However, if our explanation does not satisfy you and you write to us within ten days
telling us that you still refuse to pay, we must tell anyone we report you to that you
have a question about your statement. And, we must tell you the name of anyone
we reported you to. We must tell anyone we report you to that the matter has been
settled between us when it finally is.
If we don't follow these rules, we can't collect the first $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,
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 this property or services.
demand. We will apply payments in the following manner: first to previous late fees,
then to previous cash advances finance charges, titan to previous purchase finance
charges, then to current late fees, then to previous cash advance balances, then to
previous purchase balances in the order that they were posted to your account, then
to current cash advance balances, and then to current purchase balances
7. FINANCE CHARGES - You can avoid the Finance Charge on purchases by
paying the full amount of the New Balance of Purchases each month within 25 days
of your statement closing date. Otherwise, the New Balance of Purchases, and the
subsequent purchases from the date they are posted to your account, will be subject
to Finance Charge. Cash advances are always subject to Finance Charge from the
date they are posted to your account.
Purchases: We calculate your finance charge by multiplying the average adjusted
daily balance (see explanation below), including new purchases, for the billing cycle
by the monthly periodic purchase rate and corresponding ANNUAL PERCENTAGE
RATE as disclosed on the Addendum.
Cash Advances: We calculate your finance charge on cash advances by
multiplying the average adjusted daily balance (see explanation below) for cash
advances during the billing cycle by the monthly periodic advance rate and
corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum.
Balance Computation Method
Average Daily Balance for Purchases - The Average Daily Balance for Purchase
Transactions is calculated by adding the Daily Balances (Purchase Transaction) for
each day in the billing cycle, and then dividing by the number of days in the billing
cycle. To calculate the Daily Balance for purchases each day, 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 mate Charges. Then we also subtract the
amount of any Cash Advance transactions that posted to your account on that day or
in any previous day in the billing cycle. This gives us the Daily Balance for purchases.
Average Daily Balance for Cash Advances . Cash Advance Transactions which are
posted to your account are not included in the Average Daily Balance calculation for
purchases, and are therefore not subject to the monthly periodic rate for purchases. The
Average Daily Balance is calculated separately for Cash Advances and is subject to the
Cash Advance Monthly Periodic Rate. The Average Daily Balance for Cash Transactions
is calculated by adding the Daily Balances (Cash Transaction) for each day in the billing
cycle, and then dividing by the number of days in the billing cycle. To calculate the Daily
Balance for cash each day, we take the following steps: We take the outstanding balance
(all amounts you owe) at the start of the day. Then, in the sequence in which amounts
are posted to your account, we add the amounts of all debits and subtract the amounts
of all credits or payments which post to your account that day. After applying payments
and credits, we subtract the amount of any unpaid Finance Charges or late Charges.
Then we also subtract the amount of any Purchase Transactions that posted to your
account on that day or in any previous day 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 tees, 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 pasted 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.
Visa' Credit Card Agreement and Truth in Lending ks c osure (continued)
Note also that it the total of the payments and credits which are posted to your
account by the Payment Due Date shown on a statement is equal to or exceeds the
New Balance shown on that statement, we will not apply the. Monthly Periodic- Rate
to your Account on your next statement.
8. DEFAULT - You will be in default if you fail to make any Minimum Payment
within 25 days after your monthly statement closing date. You authorize us to transfer
funds sufficient to make the minimum payment due if your Visa loan is in default. You
agree that we may temporarily suspend your ATM card access if your Visa payment
is due for a period exceeding 30 days. You will also be in default if your ability to
repay us is materially reduced by a change in your employment, an increase in your
obligations, bankruptcy or insotvency 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 plant merchant, or another financial institution, and sign the sales
or cash advance draft which will be imprinted with your card. The other is to complete
the transaction by using your Personal identification Number (PIN) in conjunction
with the card in an Automated Teller Machine or other type of electronic terminal that
provides access to the Visa system. You agree that you will not use your card for any
transaction that is illegal under applicable federal, state, or local law. The monthly
statement will identify the merchant, electronic terminal or financial institution at
whist transactions were made, but sale, cash advance, credit or other slips cannot
be returned with the statement You will retain a copy of such slips furnished at the
time of the transaction in order to verify the monthly statement. The Credit Union may
make a reasonable charge for photocopies of slips you may request.
10. OVERDRAFT OPTION - It you elect to overdraft to your PSECU Visa Credit
Card, that election is subject to the existing credit limit and the agreement it represents
and the current loan policy at the tirne 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 tine current Annual Percentage Rate for cash advances will apply.
11. RETURNS AND ADJUSTMENTS - Merchants and others who honor the card
may give credit for returns and adjustments, and they will do so by sending us a credit
slip which we will post to your Visa fine of credit. If your credit and payments exceed
what you owe us, we will automaticalty post the excess credit balance to your St
Shares within 75 days. If the balance is one dollar or more, upon your written request,
we will refund the credit balance to you.
12. FOREIGN TRANSACTIONS - The exchange rate between the transaction
currency and the 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 goverrmtent-mardfatad rate in effect for the applicable central processing
date. In each instance, an ad?usfrrient may be assessed based on the ISA fee imposed
by Visa. This fee, which totals I% of the transaction amount, will be assessed on all
transactions where the merchant country differs from the country of the card Issuer.
13. DISPUTED TRANSACTIONS - ff 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 you an ATM CARD, hereby agree to be legally found 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 credit-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 (t)
withdraw cash from, (2) make or arrange for deposits in, (3) effect transfers to or from
C your account, (4) receive information regarding line balance in your accountis) 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 SYSTEMO name and logo (1) to make
1 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') wrhere ATM CARDS are
accepted by such Merchant. If you use the ATM CARD to make a Purchase to obtain
cash, if permitted by the Merchant, you shall be requesting us to withdraw funds in the
amount of such Purchase (nctuding 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 torth 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 in good faith tc 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. You are required to notify PSECU in writing within 60
days following the date on which we sent your statement wherein the error or
problem first appeared regarding any discrepancy or unauthorized transaction on
your account. Telephoning PSECU does not preserve your dispute rights. You may
be required to provide us with documentation to support your dispute claims. In
addition, you may be required to complete a standard dispute form outlining the
details of your dispute. In cases of fraudulent card use, PSECU will also require a
notarized affidavit, In some cases we may ask you to notify the local authorities.
If we do not receive the proper requested documentaf.on in the time specified you
may be held responsible for the transaction(s) in question. PSECU must adhere to
strict dispute timeframes set forth by Visa
14. SECURITY INTEREST-To secure your account, you grant us a purchase money
security interest under the Uniform Commercial Cade in any goods you purchase
through the account if you default, we will have tfte 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 pedged shares (Deposits) and
by the properly 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 through 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 py
law. Your use of the card thereafter will indicate your agreement to the amendments.
To the extent the law permits, and we indicate in our notice, amendments will apply
to your existing account balance as well as to future transactions.
16. LATE PAYMENT CHARGE - If your Minimum Payment is not received by the
first day of the month following your due date, you will be subject to a S20 charge.
17. RUSH FEES -You may incur additional charges for rush processing and rush
delivery of cam and/or PIN mailer.
18. OVER LIMIT FEE - A S20 fee will be applied for each monthly statement dosing date
on which the outstaindng balance exceeds the assigned credit limit 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
declined because it is indicative 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
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 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 Merchant's
terminal, h 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 conf denfiai 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 nas been lost or stolen
or money is missing from your account(s). You also agree that if your monthly
statement shows transactions which you did not make, and you do not contact us
within 60 days after the statement was mailed to you, you may not get any money
lost after that time. YOU AGREE THAT IF YOU GIVE YOUR ATM 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 dfsclose 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.
4lCct1orafc Funds 1raLis;fpr,__?7M_Agreement and_.F3ggut?tfq? _ '_Q(sclosur
(continued)
A new card may be ordered for you at that time and a 'hold` will be placed on your
aid card. After such time, If you find your old card, destroy the old card by cutting it
in half. If you attempt to use your old card, ii wilt not work.
4. CHARGES - You agree to pay a 50 cent charge for each deposit or withdrawal j
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 V
for any ?adlustment that needs to be made to your account resulting from ar error
you made while making a deposit at an Automated Teller machine (ATM). You agree
i to pay the charges or transaction fees which are charged by us for these services
or for services which may later be offered as such fees or charges may be imposed
or changed from time to time.
5. DEPOSITS - You agree that when you make a deposit at a STAR SYSTEMS
ATM that we have the right to verity the deposit before we make the money available
to you. If you deliver cash, checks or other items to a STAR SYSTEMS ATM, you
understand and 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
i STAR SYSTEMS ATM that is awned 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 tot 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 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 shalt 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-
Ii transferable.
k 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,
i
REGULATION "E" DISCLOSURE
1. ELECTRONIC CHECK CONVERSIONIELECTRONIC RETURNED CHECK
FEES - If you pay for something with a check or share draft, you may authorize it
i to be converted to an electronic fund transfer. You may also authorize merchants to
electronically debit your account for returned check fees. You are considered to have
authorized these electronic funds transfers if you complete the transaction after
being told (orally or by a notice posted or sent to you) that the transfer may be
processed electronically or if you sign a written authorization.
2. SUMMARY OF CONSUMER LIABILITY -
• ATM, ACH and SST - Tell us at once H 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. It 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 S50 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
i 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. 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.
j It a good reason such as a long trip or a hospital stay kept you from telling us, we II,
will extend the time periods.
3. TELEPHONE NUMBER AND ADDRESS TO NOTIFY OF UNAUTHORIZED
TRANSFERS-
ATM - Contact PSECU at (B00) 237-7328 EXT 3808 (nationwide) or (717) ,
234-6484 (in Harrisburg). After hours, follow the menu options or PSECU's
voice mart system to report a lost or stolen card. For Visa Credit or Debit
Cards, follow the directions for Last Card Notification under Me Visa Credit I
Card Agreement and Trutt", -m-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 checking, savings and PSL; withdrawals from
checking/savings; cash advance from PSL; deposits to checkingisavings-,
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 - 530 service charge for insufficient funds for each electronic transfer.
• SST - none
7. SUMMARY OF CONSUMER'S RIGHT TO RECEIVE DOCUMENTATION OF
EFTS -
• ATM - You are entitled to receive a printed receipt at the time of each
transaction. You will receive a monthly statement showing the status of your
account, any transactions made during the month, and any penalties or
charges PSECU may impose during the month.
• ACH and SST - You will receive a monthly statement showing the status of
your account, any transactions made during the month, and any penalties or
charges PSECU may impose during the month.
• if you have arranged to have a direct deposit made to your account at least
once every 60 days from the same person or company, you can caN us at
(800) 237-7328 to find out whether or not the deposit has been made.
8. STOP PAYMENT RIGHTS - PRE-AUTHORIZED TRANSFERS -
• ATM and SST - Not applicable.
• ACH - Right to Stop Payment and Procedures for doing so. H you have toll
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. It you call, we may also require you to put your request
in writing and get it to us within 14 days after you call.
• Notice of Varying Amounts. It these regular payments may vary in amount,
the person you are gang to pay will tell you, 10 days before each payment,
when it will be made and how much it will be. You may choose instead to get
this notice only when the payment would differ by more than a certain amount
from the previous payment, or when the amount would fall outside certain
limits that you set.
• Unbility for Failure to Stop Payment of Preauthortzed ftnsters. H you
order us to stop one of these payments three business days or more before
the transfer is scheduled, and we do not do so, we will be liable for your losses
or damages, unless we request and do not receive written confirmation of an
oral stop payment within 14 days and the transfer takes place after 14 days,
or you fail to give us proper instructions that would enable us to place the stop
on the transfer.
8. SUMMARY OF THE FINANCIAL INSTITUTION'S FAILURE TO MAKE OR
STOP CERTAIN TRANSFERS -
• ATM - H 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 unconeded; (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) H you attempt to complete a transaction that,
at a STAR Systems, PLUS System, or merchant terminal that is not a
Elgctronig?nds Trgasfer. ATM Agreement,, anal R gy_l iorl__'E?',.Dt cl4 ilfg
(continued)
permissible transaction listed above: or, (11) the transaction would exceed the
security limitations on the use of your ATM CARD.
ACH and SST - it PSECU fails to complete a transaction on time or in the
correct amount, when property instructed by you, PSECU will be liable for
damages caused by our failure unless: (1) there are insufficient funds in your
account to complete the transfer; (2) the funds in your account are
uricollected; (3) the tunas 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 10 believe that the transaction requested is
unauthorized; (6) the failure was caused by ar 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 tuna fide error despite PSECU's
procedures to avoid such errors.
10. DISCLOSURE TO THIRD PARTIES -
• ATM, ACH and SST - PSECU will disclose information about your account to
third parties; (1) when it is necessary to complete transactions; (2) to verify
the existence and standing of your account with PSECU upon request of third
party, such as a credit bureau; (3) to comply with government agency or court
orders; (4) in accordance with your written permission; (5) to comply with
government or administrative agency summonses, subpoenas, or court
orders; (6) on receipt of certification from a Federal Agency or department
that a request for information is in compliance with the Right to Financial
Privacy Act of 1976; Regulation P Privacy of Consumer Financial Information,
and (7) when it is necessary to take legal action to recover shares.
11. STAR SYSTEMS SERVICES -
• ATM Only -You may use your ATM CARD with your Personal Identification
Number (PIN) at STAR SYSTEMS located in Delaware, Maryland, New
Jersey and Pennsylvania to conduct any of the following transactions for the
accounts accessed by your ATM CARD.
a) Determine the account balance(s) of your Checking your Regular
Shares, and your Personal Service Loan (PSL),
b) Withdraw cash from your Checking and your Regular Shares.
c) Make a cash advance from your Personal Service Loan (PSL).
d) Deposit currency, checks, or drafts (coins are not acceptable) for
transmission to PSECU for deposit in your Checking and your Regular
Shares.
NOTE: There are limited locations in Maryland where deposits may be made.
We wish to inform you that some ATMs located in these areas may only provide
access to your Checking, your Regular Shares, and your Personal Service Loan,
Not all ATMs may accept deposits. There may also be limits on the amount of
funds which you may deposit in certain ATMs,
12. PLUS SYSTEM' SERVICES -
• ATM Only -You may use your ATM CARD with your Personal Identification
Number (PIN) at any PLUS SYSTEM automated teller machine
(PLUS SYSTEM ATM) located throughout the United States, Puerto Rico,
Canada, Great Britain and Japan to conduct any of the following transactions on
the accounts accessed by your ATM CARD.
a) Determine the account balance(s) of your Checking, your Regular
Shares, and your Personal Service Loan (PSL).
b) Withdraw cash from your Checking and your Regular Shares.
c) Make a cash advance from your Personal Service Loan (PSQ,
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 fime, 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 Checkng. 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. UMITATIONS ON THE USE OF YOUR ATM CARD -
• ATM Only - 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
withdrawfpurchase up to S500 of point of sale locations. PSECU reserves the
right to reduce this daily limit at any time. In the event that your daily limit is
less than, S500, 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 (600) 237-7328 Nationwide, TDD (800) 472-
1967 Nationwide, (717) 777-2100 in Harrisburg, or write PSECU at:
Pennsylvania State Employees Credit Union, PO. 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 after
it sent you the first statement on which the problem or error appeared. You
must provide the following information: (a) Your name, account number, and
ATM CARD number (if a ATM transaction). or reference number (if Sell-
Service Telephone Transaction); (b) Describe the error or the transaction you
are unsure about, and explain as clearly as you can why you believe it is an
error or why you need the information, and; (c) The dollar amount of the
suspected error.
If you tell PSECU orally, you must send your complaint or question in writing
within 10 business days. PSECU will tell you the results of the investigation
within 10 business days for STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE
TELEPHONE, or DIRECT DEBIT/CREDIT TRANSACTIONS, or 20 days for
STAR SYSTEMS purchase transactions, if we need more time, however, we may
take up to 45 days for STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE
TELEPHONE, or DIRECT DEBIT/CREDIT TRANSACTIONS or 90 days for
STAR SYSTEMS purchase transactions. If PSECU decides to do this, it will
recr3dlt your account within 10 business days for the amount you think is in error
8 it is a STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE TELEPHONE, or
DIRECT DEBMICREDIT 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 if PSECU
concludes no error has occurred.
17. ATM SURCHARGE - If you use an ATM that is not operated by us, you may be
charged a fee by the ATM operator and by any national, regional or local network
used in processing the transaction (and you may be charged a fee for a balance
inquiry even if you do not complete a fund transfer). The ATM surcharge will be
debited from your account it you elect to complete the transaction.
Notice To Consumers Using ATM's
• Be alert to your surroundings. If you doubt the safety a( 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:
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,
U
N
s•
W?
?wwg
k
a
W
J
Q
0
C 4 9,?
u -
8.2
72
CC r
Y
01
m b `c _, fio y = f8 _ E
.Y? G?§ O=S m _?rb?DO c?.S'? Q y pE°?$TO b
? E '7 `G a t@? ?? `? $c 3? ?= g S f Y c
s mm ??pp i`l ° p 4 C- Q? C U U ?? V
?S
9 V L TJ O E t ?' 1 C Y j° Y LL U j
?pC3'cP$ ?€ Um?'?Oqq# n$
uc :2
u? Y
8 $ a p g ri ?1 4. g a
° !2 r Q vss ACC '8 0 ] U S? _6 .g U 'S
V U. J 5`Q?! ?y V I p B Gt w r gN a p Y 9;,
31.? b 1 g H s ?-ia S i5
?PB?°?L^3.°°3f sLf.4to U?o
?
y .4
o E
$
?
#
k
80
o O a
XX
s .p
8 -x m ? o
q Y
= 3
n o
o
f ? P
4
s Yo< p =$
V
-pd ? ? ? Q
o
o
d
Y ? 7
rs- r q
q
E
a'
a m #? o
s o S ` =u
Y
9 o
? ? a
e
r?
C > f ° O
i
e r v a"
3 o 'E °
E oS o
a
l
°__ LL ? ? eft=-'a??
? 3 ? a e ? xo
Y 6 3 p' a ^yyii _.??
C C " y?l? .? L Y S s °? O
c ? ° °-c 8 =0= y?m
f ; L-J-5 2
M? V?W
N
r; E `c E.. g
it;
`o ttEgS pS?E?b?$g
V -?N. 3 ??`0 3 D)
CyVj ." `
?sEd
to >: g
aEu
6
..U E `
'c 8
Y ? d€.
c 7
0
o
B ? C ?i$?Figm d°°
0
? C O S Ci O D O$
E ?°oa?adn .s vi?viN$
p? 3 0° P :2 3 3 3 9
M mB5D? OQCOQ}Uy??yOy??0QQ 5O5??O.?
? ?E2525?25ti252525?3
0
n
? c
pi
C?
as
a,b
Ea
8--- --;--- - -
vO m h --
td
04
' 8$$$$88888
? PO?adnhuilrirv?
. ? n o3P3..3S33S °`p
m. °0000000000 =??
o g _.
C 0
6N D`5 ?
E `
.N_,??O?8?
???R12sq
SO s°
Z; Z 2
?
°
?tVO
?i
Nn?
v g 72 aw.nN w .
.
O M
'
0
p 0
e
c
C ya
P
?? f}Yufyb P
y? ?p
a? P?
h
b h p
u
A
Y°
o m d N Y1 1 1 ?V h .p O N 1 1 1 N < O 1Y 0 N N N tV (?
R
g
V y.
?
i
0
$
p??
1 r! ri
S
1 _ii °X1°n
n(,
!}
r "?
Q ?'?
$?
Q N
f
d
} pp
QQ
g
8 S
??? q 6 :7 4 8
8
8
R 9 R 4?? 4 {g
a
?
O? O b ?
j
O ?
(?
j
d b ? a
R
0
u ? u
? v o
N oqo
tV N l'1 0
N
E
?
o
a` ?i??"$'g??i Raj C.$9Aeg r°or°n ? Pa 1: g?
a $g
o. .z?
y
c
0
0
lit tyg p }-
Og Q Q,
.252525
l
'
,n ° b?;
A
g??b 52i
o b3?s
? 2S Zi `o5
?E
y? ?'"E•?i '?" .rR5t???3 ^g ? ?•5•
y
gy .?
{
>pS
RR ?
V poi?pp
N M M M ?1 M M ??pp
?
? M M M N M N M
? J J J J
?
?? M
Y
?
Z ? M
s?
g e
goo
2V
$go
}? g
F g
c ?
p
E : 4
c g?
3 $ u
p
£ Y
e °
p g
00
op?
g,a
v
u
?k
0 0 -?
c E
?8c
y d 0 Z E O
C Q d O
a 5- > d o u
d? p0 E a Z-1 ?L m ?=o c aa ` d v m° o V
0 1 ?Q ? O O m
3 u ° fl -°_ ? m n uQ a fl o o ° v °" N 2 V ?
- o m o _
3 a a E c 0 0-0 -3 a o 0 cc 0- ?N °
a °c c
m O v v o u E Z0 Y Z. ?c .^ 3 c a p g u o a rn a p a C' c 0 m
Oy o E 4, u o' d 0 a c v a d o. $ ag p d "> o E m .? v u .?
C c a o co :E ZY > =- S g o ro a m `° b c a m N -° .o ° o °°' .n
c o o m _o > t E C. c w ?' d o a ° o m U E ?u d _ o f v c o
d s u E V Q C D o d
E a m d w' U E 3 w E ' y o a o -o o. 3
O m p a m F= D C N C C 'w F p a c 0 d 00
E v p m o m ai a p E n o p i a
a c o .o a u a° o f c v o- o 'c
Y y v C 0 d Y _> -? `y i s d d O L d •O+ C m G J s O 4) r.
N O
a E 0°') m 0 -° c s° -' u s m d= g d ?? Q c- u 3 0 o a V u
E o o a s 00 o? 0 ° d o U 0; .3 D Y J D=' °u d d 3 .= E$ vLi d o
p r 0 E i .$ E O .2-o 0 a N y D V 0 0= Z d' 0 a c o- t
CL 4, 41 rn`°uao ^ dg ?C,d`ooIV mw nV9),`-y .yst? -Jma m
-°jom
V-1 y u d C d« Qy'. `-"' L O 4 O a (y N -0 H a C 0 00 1 C U
ty y d U C C
WUy
m a m t C a d j N N L m "?
N 0 0 0 d E ' -0 O m '? y L j
te a= a L Vy E y d
o r v N `m s ?- '- o v d ;, Cc, i2- a. -M Q c, o Q 70
0`0 o p o uQ'wm °= m c u $m »? ¢ m.5 g u E 0 0 0'?s= d o? u
y N t E -0 CL E E 04-0 L- p d u= s O CO m a c M -j > C C o v j •= 'a 4) 'v 4: 0 -0 0 E i°. o$ 0?8 ?S d c° °?s oa 0 c y d d mw -ID an = a-°
y d Q Qf m O..C CO 3 p N a pi ~ Co £ pB-O m O > 'O y O E O '3 v0 r?
av-'- ms3'o F 0 ac a? c° N . f- o 0 0? c c
u 3 m 3 d o d c m ° d c m o c 3
d? ° y
° >= E o p > d£ o of c>> u E d c 3 d u c t 't f e m 8 c rn d Li -2
o, 0 V -°' E V u c -o d p_ a 0 c c c a S 0 d p' a$ ? u 0 w o ?
p o m C a 3 Oo u? 4) 41 ? o d?? p- o 3 a a o °m d 0. °0 0
DSO d ,? t Q 4) M-0 C u °»?s p
a m d V ti s .N c U°
E f d .? v E •; 6 V It m t c c c E E d m o .E
V r a 'G w u a a uni d d o `a c rn° ° c "' d 'a m ._ Q r o s> -_
C u 0 C _ d s J co C '^ G. p L d E' V- -a v m C d C N N d U= (J 0 3 C m T _^ '9
0 o f ry^?? r rn 't O 0 s a Cv Y w m> O °- s G O d t O d ti
J J- V p ._.. a E >. o a v °a' v f `zo u
o?
w w
J
o U
g?
9 ?
R
w
tl
IL J
? ;
=o1?y
U N g
cc Y c ?o E
FO u-yP
c o ? D >
°c Ag
_ p g b'L [1M 0
Y SC E
l
`i„^ L n p1L _c
?d og?Ls
E gm- o EL d
??•?b
??°cuC3E?
a? j p-2-8
t
c o " c • o
oa=cc z8g=_'
V'? p'C 00-? C
OLEa-{0030
O V `r ? C w
p 0 ? O x? d
5? ?o
E
y
a30-O0
6
LC E Gam? O3
EVS 0
D?
-N ?->
a C,-
u M oV8 -
a??i.?'j ?q u0
_ o
V ... O
rn Q? g bQ?
OE
^ ?^O^ 0
O C
08$^0%4;
C2 il
e C r[O
? ? O-?'a EP s
+q?J_ J??pN V
6040- c0'N as
oi"Z-p -n?o
Cam., E U O C 5-5-
-C
O w v a E C p w
Cf O E -Lp ? P
a C N
r
uL? O
? H08
'$
E£aaN
E Fig„ $:
N
? c ?' E 4cv
d>>c-o
cEE3m?
3
?2 &, a
u b o
E 8 rnE
9 4,r
C m a s
o e ?iu
c?$x?c
xx V
E35o°?
Cc
c
0 c r$.a o
084- E p?
° C
$ ? u 9 E o
>- ulv
u0u 0 c 0
V t, ? OI NT
0 0 < Ex 0
> _ C ?O^
'8 Oa OO
_ d E o
Obi b
_ .0 'r c
...
»0
?u ?'-N
u O c c?
w
c°O-L, E8
?L ?5
a3
E o yy
d
E O j m C a
v=?cDn_
0
acc..c c?C'
0
a•
d
co co 0,0Lnv
m ? ^vvvv<
O
V 000000
`0
0
O 0101MV In 10
0101 1
PPPPP
N P
a
d M`OMNO
PW1O VI RC')
Q 000000
NMV?nO
?. O ?O O O O O
O
PPMaOh
doh v0`O
?AhvVVM
U NNNNNN
d 000000
0
NMVNm
NNNNNN
L
G
00O nh?O
000,040,
O oomlorh
'E OOOLnwnln
p 0000c0
T, M .-NMV?n O
a
iF
NWWNW:- 0=0-Lo O?nN%nNN Nlonrlolo
vMNN^^ OVPmNr h`O `OlnLov vMMNN?
vvvvvv :2-2 )M l"MMMT 2 MMf`9MMM
000000 000000 000000 000006
pp N Mvkn`OhW PO^NMV v1 `OhGOPO
hWP000 000000 O^•-?^.•- ?.•-•- •-N
,O w). Nw tnM vmom MMtnCOMP O•-vNWM
^- Pao O u7 VM NzooP WI?OUIVM c")N'•-OPP
hh ??0 0 0 O O `_O ?O+A N_?l1?AN?f1N ?f1N_NY1<V
000000 00 0000 000000 000000
hWPO^N MV V1-Ot w PO^NMv ?nlOhWPO
O O?hhh hll Ilhhh hW Wwww COwwwwP
NOOvmo CVLnPvlow NLnlor vo PWWhWP
NO?OMOw MNPIlMN WIOVMr- WhtnMNo
MMNNN•- •-0000 OPPPPP Co Co Co 00 00 Co
?-?---
NNNNNN NNNNNN 04 '77-
000000 000000 000000 000000
hWPO?N Mv?A OhW POD-NN7Y V?O haDPO
MMMVVV vvvvvV CNtn to vlN NNU'l u'1NO
NO Vr?hv Pvvmww 10N-Mmo NP.O?Mov
hh 0000u1 ?O" W V V V Vvt?aOso wz n;zf .z
MOW?nvN OPh-ONV MC4-OP Whh'O `O
0,01Tvvv VM MMMM McMMMMN NNNNNN
000000 000000 000000 000000
hCpPO-N Mv'n+or w POD-NMV oOhCOPO
-- -- -- ?-NNNNN NNNNNN
EXHIBIT "E"
I SIGNATURE LOAN ACTIVATION NOTICE -I
January 31, 2005
Applicant
Information: SS M •7403
Ref M 434567 598
Approval Amount: $5,000.00
Account Number: '5934 /
Applicant: LANETTE M STRAWSER
Work Telephone M
Home Telephone M
Signature: I acknowledge receipt of the PSECU LOANEINER Disclosure and Credit Agreement and
a be bound by the t set forth in said agreement.
-- - -- A it I if 417,0
Signature of LANETTP, M STRAW- Date
SIGNATURE LOAN OPTIONS
Purpose:
Please select one of the following Signature Loan disbursement options:
Send a ? check, or ?( deposit to my Share 4 (MoneyHandler/Checking Shares)
Please select one of the following Signature Loan repayment options:
? Payroll Deduction ? tomatic Transfer ? Direct Payment ? Homebanking
E3 Self Service Telephone ("oupon
EXHIBIT "F"
PSE
the financial link-
Pennsylvania State Employees Credit Union
AO. Box 67013 • Harrsburp, PA 17106-7013 • (717) 234-8484 Harrisburg, (800) 237.7323 Nationwide
Loan Disclosures
This LQANLINER• 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 wilt borrow money (called "advances') under
the Plan. We are not required to make advances to you under the Plan and can
refuse a request for an advance at any time. The Addendum describes the
different types of credit (called 'subaccounts') available under the Plan, the current
interest rate for each subaccount expressed as a daily periodic rate and
corresponding annual percentage rate and other charges. It may also have other
terms and a schedule for determining the payment amounts.
CREDIT LIMIT - We may, but do not have to, establish a credit limit on certain
subaccounts. If a credit limit is set for a subaccount, you promise not to exceed the
established credit limit. If you exceed the credit limit, you promise to repay
immediatey 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 subaccount. You may repay all
or part of what you owe at any time without any prepayment penalty. Even H you
prepay, you wig still 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 all overdraft advances
obtained by a joint holder of the sharedraft account. Unless otherwise required by
law, payments will be applied to amounts owed under the Plan, in the manner the
Credit Union chooses.
PLAN ACCESS - You can obtain credit advances m any manner authorized by us. it
we allow you to use your ATM Debit card to access the Plan, you may be liable for the
unauthorized use of your ATMiDeba 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 550. It the unauthorized
withdrawal is from a sharedraft account, your liabltrty is governed by the Regulation E
disclosures you received at the time you received your ATM/Debit card, even 't the
withdrawal results in an advance being made from your overdraft subaccount.
FINANCE CHARGE - The dollar amount you pay for money borrowed is called a
'finance charge' and begins on the date of each advance. A finance charge will be
computed separately for each separate balance under the Plan. To compute the
finance charge, the unpaid balance for each day since your last payment (or since
an advance if you have not yet made a payment) is multiplied by the applicable daily
periodic rate. The sum of these amounts is the finance charge owed. The balance
used to compute the finance charge is the unpaid balance each day after payments
and credits to that balance have been subtracted and any additions to the balance
have been made. In addition to interest, we may charge other finance charges which
are disclosed on the Addendum. If the interest rate is a variable interest rate, the
Addendum explains how the variable interest rate works,
SECURITY - You pledge as security for the Plan all shares and dividends and, if
any, all deposits and interest in all joint and individual accounts you have with us
now and in the future. If a specific dollar amount is pledged for an advance, we will
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 lien on the shares and dividends
and, if any, the deposits and interest in all individual and joint accounts you have with
us and may exercise our rights under the lien to the extent permitted by state law.
(We are state chartered if our name does not include the term "Federal Credit
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 treatrrhent under state or
federal law if given as security.
Additional security tot the Plan may be required at the time of an advance. It a
subaccount identifies a type of property (such as 'New Cars) you must give that
type of property as security when you get an advance under that subaccount. A
subaccount name such as "Other Secured' means you must provide security
acceptable to us when you obtain an advance under that subaccount. Property you
give as security will secure all amounts owed under the Plan and all other loans you
have with us now or in the future, except any loan secured by your principal dwelling.
Property securing other loans you have with us may also secure the Plan.
CREDIT INSURANCE - Credit life and/or credit disability insurance is optional
under the Plan. If you quality for and purchase the insurance from us, you authorize
us to add the insurance premiums monthly to your loan balance and charge you
'i. CLkA ML-JAL u"ROJP. ' 960 82 3A.. M 35. 38.39. 2000. 0... , 02 C3. A AL- E G= S RE SERVE-
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 stowing
all transactions under the Plan during the period covered by the statement.
Statements and notices will be sent to you at the most recent address you have
given us in writing. Unless applicable law requires notice to each joint borrower,
notice to any one of you will be notice to all.
JOINT ACCOUNTS - If this is a joint account, each of you is individually and jointly
responsible for paying all amounts owed. That means we can enforce our rights
under the Plan against any one of you incimclualy or against all of you together. If you
give us inconsistent instructions, we can refuse to follow your instructions. Unless our
written policy requires all of you to sign for an advance, each of you authorizes the
other(s) to obtain advances individually and agrees to repay advances made to the
other(s). Any joint accountholder may terminate the Plan by giving us prior written
notice. If any of you terminate the Plan, the Plan is terminated for all of you. You
remain liable individually and jointly for all advances incurred before termination,
FEES AND CHARGES - if you give us a security interest in certain types, of
property, we may charge you a filing fee to perfect our interest in the property. If we
do, the amount of the fee will be disclosed to you at the time you obtain an advance.
We may also charge you other fees in connection with the Plan. Our current fees are
disclosed on the Addendum and will be added to your loan balance unless you pay
them in cash.
UPDATING CREDIT INFORMATION - You promise that you will promptly give us
written notice lt 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 - The following paragraph applies to borrowers In Idaho, Kansas,
Maine and South Carolina: You will be in default 0 you do not make a payment of
the amount required when it is due. You will also be in detauft 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 W/sconsin: You will be in
default it you fail to make a payment when due two times during any 12 month
period. You wig be in default if breaking any promise made under the Plan materially
impairs your ability to repay what you owe or matertaly impairs the condition, value.
or protection of or our right in any property you gave as security.
The following paragraph applies only to borrowers in lows: You will be in
default if you are more than 10 days late in making a payment. You will also be in
default d 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 ft Plan,
The following paragraph applies to borrowers In all other states. You will be in
default 0 you do not make a payment of the acount 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 tot 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 t anything else happens that significantly affects the value of the property or
our security interest in ft.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 fallowing paragraph applies to borrowers In
Colorado, district of Columbia, lowa, Kansas, Maine, Massachuseft Missouri,
Nebraska, South Carolina and Weat Virginla: 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 un:iald balance under the Plan without
giving you advance notice.
The following paragraph applies to borrowers In all other states exceptWhwonskl
and Louistarra: When you are in default, we can require immediate payment
(acceleration) of the entire unpaid balance under the Plan, You waive any right you have
to demand for payment, notice of intent to accelerate and notice of acceleration.
The following paragraphs apply to borrowers in ail states except Wisconsin and
Louisiana: If immediate payment is demanded, you will continue to pay interest until
what you owe has been repaid at the applicable interest rates in effect or, if applicable,
at the default rate disclosed on the Addendum. If a demand for immediate payment
has been made, your shares and/or deposits czn be applied towards what you owe
as provided in the section above caned "Secuty" We cam also exercise arty other
rights given by taw when you are in default.
You agree the Credit Union has the right to take possession of any property given
as security under the Plan, without judicial process, if this can be done without
breach of the peace. if we ask, you promise to delver the property at a time and
place we choose. If the property is a motor vehicle or boat, you agree that we may
CaSMC1
PSECU FORM 03146
JBXX0601-2 r;'-2092-1 1'1/04)
LOANLINEW Credit and Security Credit Agreement (continued)
obtain a key or other device necessary to unlock and operate it, when you are in
default. We will not be responsible for any other property, not covered by this
Agreement, that you leave inside the property or that is attached to the property. We
will try to return that property to you or make it available for you to claim.
After we have possession of the property, we can sell it and apply the money to any
amounts you owe us. We will give you notice of any public disposition or the date after
which a private disposition will be held. Our expenses for taking possession of and
selling the property will be deducted from the money received from the sale. Those
costs rriay include the cost of stoning 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
to arty unpaid balance under the Plan. You agree to pay interest on that amount at the
same rate as the advance, or, it applicable, at the default rate disclosed on the
Addendum, unfit 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. ff we repossess the property, you agree to pay reasonable expenses
incurred in disposing of the property. If the property is a motor vehicle, mobile home,
trailer, snowmobile, boat or aircraft, you will also be required to pay any costs permitted
by Section 422.413 of the Wisconsin Stawtes. You must tray any amount that remains
unpaid after the sale money has been applied to what you owe under the Plan. You
agree to pay interest on any unpaid amount at the same rate as the advance, or, ti
applicable, at the default rate disclosed on the Addendum, until that amount is paid.
It the property is located outside Wisconsin at the time of default, we may take
possession of the property without judicial process, if permitted by the state where
the property is located.
The following paragraph applies only to Louisiana borrowers: When you are in
default, we can require Immediate payment (acceleration) of the entire unpaid
balance under the Plan. You waive any right you have to demand for payment, notice
of intent to accelerate and notice of acceleration. If immediate payment is
demanded, you will continue to pay interest until what you awe has been repaid at
the applicable interest rates in effect unless a default rate is disclosed on the
Addendum. It 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 any security agreements you have with us.
CANCELLING OR CHANGING THE PLAN - The following paragraph applies
only to borrowers In Whole: We have the right to change the terms of the Plan from
time to tkne after giving you any advance notice required by law. Any change to the
interest rate or other charges will apply to future advances.
The following 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 dairy periodic rate under a variable rate Interest rate is not considered a
charge 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, except to the extent that
your liability Is limited by Section 422.4155 of the Wisconsin Statutes.
The following paragraph applies only to borrowers in Iowa: We can change the
terms of the Plan from time to time after giving you any advance notice required by
law. A change that increases the rate of finance charge or other charge, that
increases the amount of your payments, or that otherwise adversely affects existing
balances will apply to existing balances only if you agree to the change or you use
the Plan after receiving notice that your use of the Plan means you agree the
change applies to existing balances.
The following paragraph applies to borrowers in 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,
I and at our discretion and subject to any requirements of applicable law, will also
apply to unpaid balances.
The WiloWng 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 Man 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
I 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. It we change the terms of the Plan, you agree that this Plan
will continue to protect us_
CONTINUED EFFECTIVENESS - If any part of this Plan is determined by a court
to be unenforceable, the rest will remain in effect.
NOTICE TO UTAH BORROWERS - This written agreement is a final expression of
the agreement between you and the Credit Union. This written agreement may not
be contradicted by evidence of any oral agreement.
The following is required by Vermont late - NOTICE TO CO-SIGNER - YOUR
SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE
FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES 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 agreement.
THE SECURITY FOR THE PLAN - You give us what is known as a Security j
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 i
property which you buy within 10 days of the Advance or any extensions, renewais
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 propery as security it asked to do so.
WHATTHE SECURITY INTEREST COVERSICROSS COLLATERAL PROVISIONS j
-The security interest secures the Advance described it 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. If the property is household
goods as defined by the Federal Trade Commission Credit Practices Rule, the
property will secure only the Advance and not other amounts you owe.
OWNERSHIP OF THE PROPERTY - You promise that you own all property you
give as security or if the Advance is to buy the property, you promise you will use
the Advance for that purpose. You promise that no one else has any interest in or
claim against the property that you have not already told us about. You promise not
to sell or lease the property or to use it as security for a loan with another creditor
until the Advance is repaid. You promise you will allow no other security interest or !
lien to attach to fine property either by your actions or by operation of law. i
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 j
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 rotund or benefits
due under your insurance policy. You also promise to pay all taxes and fees (like
registration fees) due on the property.
H you do not pay the taxes or fees on the property when due or keep it insured, we may
pay, these oG['igations, 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 kart agreements
or may engage others to do so. The insurance charge added to an advance may include
(1) the Insurance company's payments to us and (2) the cost of determining compliance
with the insurance requirements. If we add amounts for taxes, fees or insurance to the
unpaid balance of an advance, we may increase your payments to pay the amount
added within the term of the insurance or approximate term of the advance.
INSURANCE NOTICE - If you do not purchase the required property insurance,
the insurance we may purchase and charge you for will drover 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 prorrise 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 oft, you promise you wili:
(1) Use the property carefully and keep it n 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
properly in another state without telling us.
NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE
- THE MOTOR VEHICLE IN THIS TRANSACTION MAY BE SUBJECT TO
REPOSSESSION. IF IT IS REPOSSESSED AND SOLD TO SOMEONE ELSE,
AND ALL AMOUNTS DUE TO THE SECURED PARTY ARE NOT RECEIVED IN
THAT SALE, YOU 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
i penalty for unlawful failure to return a motor vehicle is one year in prison andior a
I fine of $150.000.
This notice contains important information about your rights and our responsibilities
under the Fair Credit Billing Act. You are advised to read your monthly statement
and review it for any error discrepancies or unauthorzed 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
accouht. Failure to notify us may result in your acceptance of any responsibility for
payment or reimbursement to us for any such error or discrepancy on your account.
Write to us as soon as possible. You can telephone us, but doing so will not
preserve your rights.
in your letter, give us the following information:
' Your name and account number.
The dollar amount of the suspected error.
Describe the error and explain, if you can, why you believe there is an error.
If you need more information, describe the item you are not sure about.
It you have authorized us to pay a credit card account automatically from your share
account or checking account, you can stop the payment on any amount you think is
wrong. To stop the payment your letter must reach us three business days before the
automatic payment is scheduled to occur.
YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR
WRITTEN NOTICE • We must acknowledge your letter within 30 days, unless we
have corrected the error by then. Within 90 days, we must either correct the error or
explain why we believe the statement was correct.
In this Agreement, the words you and your means each and all of those who apply
for the card or who signs this Agreement. Card means the VISA Credit Card and any
duplicates and renewals we Issue. Account means your VISA Credit Card Line of
Credit account with us. We, us, and ours means this Credit Union.
1. RESPONSIBILITY -It we issue you a card, you agree to repay all debts and the
Finance Charge arising from the use of the card and the card account. For example,
you are responsible for charges made by yourself, your spouse and minor children.
You are also responsible for charges made by anyone else to whom you give the
card, and this responsibility continues until the card is recovered. You cannot disclaim
responsibility by notifying us, tart we will close the account for new 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.
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 (900) 237-7326. After
hours call (800) 556.5678.
3. LIABILITY FOR UNAUTHORIZED USE - You agree to notify us immediately,
orally or in writing of the loss, theft or unauthorized use of your Credit Card. You may
be liable for the unauthorized use of your Credit Card. You will not be triable for
unauthorized use that occurs after you notify us of the loss, theft, or possible
unauthorized use. You will have no liability for unauthorized purchases made with
your Credit Card, unless you are grossly negligent in the handling of your Card. In
any case, your liability will not exceed $50.
4. CREDIT LINE - if we approve your application, we will establish a self-
replenishing Line of Credit for you and notify you of its amount when we issue the
card. You agree not to let the account balance exceed this approved Credit Line, Each
payment you make on the account will restore your Credit Line by the amount of the
payment which is applied to the principal. You may request an increase in yourrCrecfit
Line only by written application to us, which must be approved by our credit committee
or loan officer By giving you written notice we may reduce your Credit Line from time
to time, or with good cause, revoke your card and terminate this Agreement. Good
cause includes your failure to comply with this Agreement or any other agreement with
us, or our adverse reevaluation of your creditworthiness. You may also terminate this
Agreement at any time, but termination by either of us does not affect your obligation
to pay the account balance. The cards remain our property and you most 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 maii you a statement every month showing your
Previous Balances of purchases and cash advances, the current Vansactirxis 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 closing 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 so. If your monthly payment exceeds the total credit fine 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) $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
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 ; to your Account on your next statement.
After we receive your letter. we cannot try to collect any amount you queston, 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 white we are investigating,
but you are still obligated to pay the parts of W'--r 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.
It you fail to pay the amount that we think you owe, we may report you as delinquent.
However, 0 our explanation does not satisfy you and you write to us within ten days
telling us that you still refuse to pay, we muss tell anyone we report you to that you
have a question about your statement. And, we must tell you the name of anyone
we reported you to. We must tell anyone we report you to that the matter has been
settled between us when it finally is.
It we don't follow these rules, we can't collect the first S50 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,
it not within your home state, within 100 miles of your current mailing address; and
(b) The purchase price must have been more than S50.
These limitations do not apply if we own or operate the merchant, or 0 we mailed
you the advertisement for the property or services.
charges, then to current late fees, then to previous cash advance balances, then to
previous purchase balances in the order that they were posted to your account, then
to current cash advance balances, and then to current purchase balances.
7. FINANCE CHARGES - You can avoid the Finance Charge on purchases by
paying the full amount of the New Balance of Purchases each month within 25 days
of your statement closing date. Otherwise, the New Balance of Purchases, and the
subsequent purchases from the date they are posted to your account, will be subject
to Finance Charge. Cash advances are always subject to Finance Charge from the
date they are posted to your account
Purchases: We calculate your finance charge by multiplying the average adjusted
daity 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 daffy 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 Dally Balance for Purchases - The Average Daily Balance for Purchase
Transactions is calculated by adding the Daily Balances (Purchase Transaction) for
each day in the billing cycle, and then dividing by the number of days in the billing
cycle. To calculate the Dally Balance for purchases each day, we take the following
steps: We take the outstanding balance (all amounts you owe) at the start of the day.
Then, in the sequence in which amounts are posted to your account, we add the
amounts of all debits and subtract the amounts of all credits or payments which post
to your account that day. After applying payments and credits, we subtract the
amount of any unpaid Finance Charges or Late Charges. Then we also subtract the
amount of any Cash Advance transactions that posted to your account on that day or
in any previous day in the billing cycle. This gores us the Daily Balance for purchases.
Average Dafty Balance for Cash Advances - Cash Advance Transactions which are
pasted 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 Daity Balance is calculated separately for Cash Advances and is subject to the
Cash Advance Monthly Periodic Rate. The Average Daily Balance for Cash Transactions
is calculated by adding the Daily Balances (Cash Transaction) for each day in the billing
cycle, and then dividing by the number of days in the billing cycle. To calculate the Daily
Balance for cash each day, we take the following steps: We take the outstanding balance
(all amounts you owe) at the start of the day Then, in the sequence in which amounts
are posted to your account, we add the amounts of all debits and subtract the amounts
of ail 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 Puchase Transactions that posted to your
account on that day or in arty 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 posh 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 Nnich is being credited, if any, and then
to the balance of your account.
Note also that tf the total of the payments and credits which are posted to your
account by the Payment Due Date shown on a statement is equal to or exceeds the
New Balance shown on that statement, we will not apply the Monthly Periodic Rate
VISA' Credit Card Agreement and Truth in Lending Disclosure (continued)
8. DEFAULT -You will be in default 0 you fat! 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 d your VISA loan is in default. You agree that we may
temporarily suspend your ATM card access 0 your VISA payment is due for a period
exceeding 30 days. You wig 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 in olving 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 tee&
9. USING THE CARD - To make a purchase or cash advance, there are two
alternative procedures to be followed. One is for you to present the card to a
participating VISA plan merchant, or another financial institution, and sign the sales
or cash advance draft which will be imprinted with your card. The other is to complete
the transaction by using your Personal Identification Number (PIN) in conjunction
with the card in an Automated Teller Machine or other type of electronic terminal that
provides access to the VISA system. You agree that you will not use your card for any
transaction that is illegal under applicable federal, state, or local law. The monthly
statement will identity the merchant, electronic terminal or financial institution at
which transactions were made, but sale, cash advance, credit or other slips cannot
be returned with the statement. You will retain a copy of such slips furnished at the
time of the transaction in order to verify the monthly statement. The Credit Union may
make a reasonable charge for photocopies of slips you may request.
10. OVERDRAFT OPTION - If you elect to overdraft to your PSECU Visa Credit
Card, that election is subject to the exisfing 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 retums and adjustments, and they wife 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 will automatically, post the excess credit balance to your St
Shares within 75 days. If the balance is one dollar or more, upon your written request.
we will refund the credit balance to you.
12. FOREIGN TRANSACTIONS - Purchases and cash advances made in foreign
currencies will be billed to you in U.S. collars. The conversion rate to dollars will be
made in accordance with the operating regulations or international transactions
established by VISA U.S.A., Inc.
13. PLAN MERCHANT DISPUTES - We are not responsible or the refusal of any
plan merchant or financial institution to honor your card. We are subject to claims and
ATM CARD CARDHOLDER AGREEMENT - The Undersigned (you or your), in
consideration of THE PENNSYLVANIA STATE EMPLOYEES CREDIT UNION (we,
our and us) issuing to you an ATM CARD, hereby agree to be legally bound by the
following terms and conditions. You agree that the use of your ATM card(s)
constitutes acceptance of the terms and conditions of this Agreement. You
understand that ATM is a credit-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 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 SYSTEMOD 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 tit you use the ATM CARD to make a Purchase to obtain
cash, 6 permitted by the Merchant, you shelf 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 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
in this Agreement shalt 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
defenses (o?her than tort cia ms) arising out of rloods and services you purchase w th
the card only if you have made a good faith attrmp±, loll: r:aLe Seen unable to obtain
satisfaction from the plan merchant, and tai ycsr purchase was made in response to
an advertisement we sent or participated in sending you. or (b) your purchase cost
more than $60 and was made from a plan rnerhant in your state or within 100 ,mi'es
of your home. Any other disputes you must reFolve directly will the plan merchant.
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. if you ae!autt, vie will have the nght 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 w hdrawal of your unpledged credit union shares (Deposits)
below the unpaid balance of your account. However, if you give or have given us a
specific pledge of your credit union shares .;Deposits) by signing the Pledge of
Shares or otherwise, or any other security interests for all your debts, your account
will be secured by your pledged shares (Deposits) and by the property described in
those other security agreements, except for your home.
15. EFFECT OF AGREEMENT - This Agreement rs the contract which applies to
all transactions on your account even though the sales, cash advance, credit or
other slips you sign or receive may contain different terms. We may amend the
Agreement from time to time by sending you the advance written notice required by
law, Your use of the card thereafter will indicate your agreement to the amendments.
To the extent the law permits, and we indicate in our notice, amendments will apply
to your existing account balance as well as to future transactions.
16, LATE PAYMENT CHARGE - 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.
17. RUSH FEES - You may incur aaditior,ai charges for rush processing and rush
delivery of cards and'or PIN mailer.
1 & OVER LIMIT FEE - A $20 fee wig be applied for each monthly statement closing date
on which the outstanding balance exceeds the assigned credit limit 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. iLLEGALTRANSACTIONS 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
declined because it is indicative of possible fraudulent activity.
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 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 6 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 0 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 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 wrtten record of your PIN near
your ATM CARD. Do not choose a PIN that Is easily identifiable.
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 aid card, destroy the old card by cutting it
in half. If you attempt to use your old card, it will not work.
4. CHARGES - You agree to pay a 50 cent charge for each deposit or withdrawal
exceeding 15 a month. You agree to pay the 50 cent penalty charge on any cash
disbursement transaction (loam advance or stare 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 Automatea 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 pr 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 depos t 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 f-om your deposit may not be available
tegtioaip Fetnd TLen?Le.,_ATM Agreemten(._?nd_Regtrlatfon,.."_E..' .4f£ tQgure
(continued)
for immediate withdrawal and trial 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 deposits made at a ,
STAR SYSTEMS ATM that is owned by us or another financial institution. You also
understand and acknowledge that not all STAR SYSTEMS ATMS may accept
deposits and some STAR SYSTEMS AiMS may limit the amount of funds which
may be deposited and that we may not control these limits.
6. LIABILITY - If the ATM CARD is issued for a joint account, you agree to be
jointly and severally liable under the terms of tits Agreement and the agreement for
such account. You agree that 0 you make deposits or payments to your accountts)
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 a
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, f
REGULATION •E" DISCLOSURE
1. ELECTRONIC CHECK CONVERSIONIELECTRONIC RETURNED CHECK
FEES - If you pay for something with a check or share draft, you may authorize it
to be converted to an electronic fund transfer. You may also authorize merchants to
electronically debit your account for returned check fees. You are considered to have
authorized these electronic funds transfers it you complete the transaction after
being told (bratty or by a notice posted or sent to you) that the transfer may be
processed electronically or if you sign a written authorization.
2. SUMMARY OF CONSUMER LIABILITY -
• ATM, ACH and SST - Tell us at once H you believe your card has been lost
or stolen. Telephoning is the best way to keep your possible losses down. You could
lose all the money in your account plus your maximum overdraft line of credit. If you
believe your card has been lost or stolen, and you tell us within two business days
after you learn of the loss or theft, you can 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 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 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
1 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 the directions for Lost Carta Notification under the VISA Credit
Card Agreement and Truth-in-Landing Disclosures section of this document.
• ACM and SST - Contact PSECU at (800) 237.7328 (nationwide) or (717)
2348484 (in Harrisburg).
Or write to us at:
1 Pennsylvania State Employees Credit Union
P.O. Box 67013
i 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 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 -
i • ATM - Balance inquiries on checking, savings and PSL; withdrawais from
j checkinglsavings; 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 nstones on al share, rertficate and
loan accounts; transfers from any share t0 anal^,er snare or loan account from
your PSL to any share or ioan account; wondrawais from any shere except 1
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 S2o; 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 ct any member who makes an error
while depositing at ar Automated Teller machine (ATM).
• ACH - S30 service charge for insufficient funds for each electronic transfer.
• SST - none
7. SUMMARY OF CONSUMER'S RIGHT TO RECEIVE DOCUMENTATION OF
EFT'S -
• ATM - You are entitled to receive a printed receipt at the time of each
transaction. You will receive a monthly statement showing the status of your
account, arty transactions made during the month, and any penalties or
charges PSECU may impose during the month.
• ACH and SST - You will receive a monthty statement showing the status of
your account, any transactions made during the month, and any penalties or
charges PSECU may impose during the month.
• if you have arranged to have a direct deposit made to your account at least
once every 60 days from the same person or company, you can call us at
(800) 237-7328 to find out whether or not the deposit has been made.
8- STOP PAYMENT RIGHTS - PRE-AUTHORIZED TRANSFERS -
• ATM and SST - Not applicable.
• ACH - Right to Stop Payment and Procedures for doing so. If you have told
us in advance to make regular payments out of your account, You can stop
any of these payments. Here's how, Call us at (800) 237-7328 (Nationwide)
or (717) 234-8484 (Harrisburg) or write us at: Pennsylvania State Employees
Credit Union, P.O. Box 67013, Harrisburg, PA 17106-7013, in time for us to
receive your request three business days or more before the payment is
scheduled to be made. If you call, we may also require you to put your request
in writing and get it to us within 14 days after you call,
• Notice of Varying Amounts. It 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
i from the previous payment, or when the amount would fail outside certain
i limits that you set.
• LiablW for Failure to Stop Payment of Preauthorhsd Transfers. H 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,
f or you fall to give us proper instructions that would enable us to place the stop
on the transfer.
9. SUMMARY OF THE FINANCIAL INSTI'TUTION'S FAILURE TO MAKE OR
STOP CERTAIN TRANSFERS -
• ATM - If PSECU fails to complete a transaction on time or in the correct
amount, when properly Instructed by you, PSECU will be Rabic 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
I 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 ,hat 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) H you attempt to complete a transaction that,
at a STAR Systems, PLUS System, or merchant terminal that is not a
permissible transaction listed above; or, (11) the transaction would exceed the
1 security limitations on the use at your ATM CARD.
• ACH and SST - 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: (t) 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
j request would exceed the tunas 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 arty case, PSECU shall
be liable only for actual proven and not consequential damages f 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 -
i ATM, ACH and SST- PSECU will discicse information about your account to
third parties: (1) when it is necessary to complete transactions; (2) to verity
electronic Funds Tr r_ATM ASMq pnj,and_._ ati nom` 4,rclolure
(continued)
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 w?in your written permission: (5) to cOnlply with
government or administrative agency summonses. subpoenas, or court
orders: (6) on receipt of certfication from a Federal Agency or department
that a request for information is in compliance with the Right to Financial i
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 Onty - 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 i
accounts accessed by your ATM CARD.
a) Determine the account balance(s) of your Checking your Regular
Shares, and your Personal Service Loan (PSL).
b) Withdraw cash from your Checking and your Regular Shares.
c) Make a cash advance from your Personal Service Loan (PSL),
d) Deposit currency, checks, or drafts (coins are not acceptable) for
transmission to PSECU for deposit In your Checking and your Regular
Shares.
NOTE: There are limited locations in Maryland where deposits may be made.
We wish to inform you that some ATMs located in these areas may only provide
access to your Checking, your Regular Shares, and your Personal Service Loan.
Not all ATMs may accept deposits. There may also be limits on the amount of
funds which you may deposit in certain ATMs.
12. PLUS SYSTEM' SERVICES -
• ATM Only - You may use your ATM CARD with your Personal Identification
Number (PIN) at any PLUS SYSTEM automated teller machine
(PLUS SYSTEM ATM) located throughout the United States, Puerto Rico,
Canada, Great Britain and Japan to conduct any of the following transactions on
the accounts accessed by your ATM CARD,
a) Determine the account balance(s) of your Checking, your Regular
Shares, and your Personal Service Loan (PSL).
b) Withdraw cash from your Checking and your Regular Shares.
c) Make a cash advance from your Personal Service Loan (PSL).
NOTE: Deposits are not available through PLUS SYSTEM ATMs.
These are the STAR SYSTEMs services currently available through the PLUS
SYSTEM network. Other services may be offered in the future.
13. OTHER ATM NETWORK ACCESS -
• ATM Only - From time to time, PSECU may make arrangements with other
ATM networks to grant access to ATM CARDs. PSECU shall inform you when
such arrangements are made and describe the services that are available to
you. Any charges will also be described.
14.. PURCHASE TRANSACTIONS -
• ATM Only - You may use the ATM CARD to purchase goods and services
('Purchase') at any retail establishment ("Merchant") where ATM CARDS are
accepted by such Merchant- The amount of all such Purchases will be
deducted from your Checking. When you make a Purchase using the ATM
CARD: you will be requesting PSECU to withdraw funds from your Checking
in the amount of the Purchase and directing PSECU to pay these funds to
such Merchant.
15. LIMfrATIONS 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
withdrawipurchase up to 5500 at point of sale locations. PSECU reserves the
right to reduce this daily limit at any time. In the event that your daily limit is
less than $500, PSECU will advise you of the new limitation. The day for
withdrawal limits starts at 12 midnight each day and ends at 12 midnight the
next day. For security purposes, there are also certain daily limitations on the
frequency of use of the ATM CARD. However, there 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
withdrawal/purchase fimit, if you do not have adequate funds available in your
account, do not enter the correct Persona! Identification Number (PIN), or
exceed the frequency of usage limitation Trio receipt provided by the STAR
SYSTEMS or PLUS SYSTEM ATM or Merchart terminal will notify you of the
denial. There is a limit on the number o! such denials permitted. Attempts to
exceed the limit will result in machine retention of our ATM CARD The number f
of attempts that result in machine retentior 's not revealed for security purposes.
16. ERROR RESOLUTION PROCEDURES -
• ATM, ACH and SST - In case of errors or questions about your transactions: j
Direct inquiries to PSECU at (8001 237.7329 Nationwide. TDD (800) 472-
1967 Nationwide, (717) 777-2100 it Harrisburg. or write PSECU at: 1
Pennsylvania State Employees Credit Union, P.O. Box 67013, Harrisburg, PA
17106.7013. as soon as you can 0 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 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 (..'rf 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 arrwunt 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 DEBiTrCREDiT TRANSACTIONS or
90 days for STAR SYSTEMS purchase transactions. If PSECU decides to do
this, it will recredit your account within 10 business days for the amount you think
is in error if it is a STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE
TELEPHONE, or DIRECT DEBIT/CREDIT transaction, or 20 business days if it
is a STAR SYSTEMS purchase transaction. You will have the use of the money
during the time it takes to complete the investigation. If PSECU does not receive
your complaint or question in writing within. 10 business days, PSECU may not
recredit your account. It PSECU decides there is no error, you will be advised
within three business days after the investigation is completed. You may ask for
copies of the documents PSECU used in the investigation. If PSECU credits
your account while investigating, you must repay those funds if PSECU
concludes no error has occurred.
17. ATM SURCHARGE - If you use an ATM that is not operated by us, you may be
charged a fee by the ATM operator and by any national, regional or local network
used in processing the transaction (and you may be charged a fee for a balance
inquiry even it you do not complete a fund t-ansfer). The ATM surcharge wilt be
debited from your account if you elect to complete the transaction.
Notice To Consumers Using ATM's
• Be alert to your surroundings. If you doubt the safety of a particular location,
choose another ATM.
• 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.
s
O
Cc. c
y r
?. E Z w aV
l
C O N ? C
c? ? ? Tx g ? ? ? ??
n
5 B' as? $U
€ a °
gE jE
U.J
r .4 IL
w jig, a s; a
3e
.. C ix`ri ? ww oQy ee ? fO
ypyq $ t r,A
w ? $ 13 ? c t4f <V?
< lit wBi3
w Y w a1s''"' t "
d o ?
o? S S
I lei
y S
? t s
4 ?
$ as e
1fi S
g till
518?j
e' "zL
r
V
x
E x ?
z
ssssgsgsassassssssss g?gg?'
? ajR wo^.??r<: ?'Omm m?n?nn£ W;
gE388°OSS'FFFF2FFYEFF?,, >?
ILI
? 9 ?OIm F F'1 ? ? jj•?C?TtO?_ fO1A V nN.- ? .
r ? LL
ti ?
r? pp qq p .p pp
lid
i b P
? (
yYLW(? . ri? n.??. n r n
v? a i e O N 1 V N N ? f
ii
kl J/AY1gS ?Ild •
l?S A
l
i ~ ~N~
IM s
111811 g
g
g
g
8888
S
a N Y
?ncmvnw sna°+°n a°.? e?a°.?.? N o°
Mill
5 ??Q 88 8 ? O
O R Q Cp
4 ;
Qj w
?;; ;
P1
lit
j 1°i tl
I ;
H1;_?:
?I
i?
v
c
m
U
?
a d C C
o cro
o?
O SEA
m L
O ; E
d? p ccO my
y M O N p
o C E
U
T T Qy
m r T j
N O
?O O c OfE
d m e; o U m I
m.?N m
o
m
0 E m
4) :3
L !
D
..
.
F- Q C N :3 O Y N
c
.22 T
c c m w
w
m c O ' M. m O
78 O
_ ^ 0
E $
O c T m
61
m O E ° m m m
7
? m t
m?
t
CA;
D o Q 3
O E d y
a U c o
C
Q m o M p M n
m N?..Mm N?,.Nm V pNOD Vf imp r?pp mN Cpp ?Y 1`! M NN fV
'N^ O?ma01+? COOG000000000
?vM
°00000on
c
„ N o
..
C N T,? m -
m N. m o 00
OO
T
mag
,a .0
U
~
H
y
O O ?rn
'0 4A
o
?
s?pp vvtt?o apppp
N
- -`^''-m---
Og-
O00
wa?i Cep O?Omo mp
OH
7
U
T .
C.
ffi --
-
-
m
..
?'7 ?n
+
O ?F 61 op
? 8
O
?
T
o C4
TQJ T
i =
N
E -1,
v
'
^pM'D M m m ?"
(
p
m m ?
p
'
Q}
L7 ? V/
Q.
' a
N
C m^IMN t
Q (y G m ? ?
ffM V
f
p?pp ?p ,p7 a 1p?
M f`07 CmV ? N (V N N N N N N N N ?-
? 1'7
??
j
a
9 A
.
?p ?
? !
1
'
l P
+l f7 f
?
? th l
_Q'S 40 .0
0o
6
$ __
oa
o a' 0
x
00?
` 3 m
cS m
N x
1
U
Ct
1 Gm2s-wsmsm-rzn ??m?a
?-
.C T N
??"' ®N 0 7
c C ? C ?
Q ?. j CC-2 L A r,,,
E x a ci
L N Z3 n ?
G
O o
O
m ?
p
a? an
LL. G W ?
. O ?
.0, ffi N
Q 4y Q m
O. C
QN ® o
?!'
T
p Nm0 W I+N
"Mm ?pm ?m qfp Op O
aD ta omomoo ,n a uivf
?flN ?
^^^mm??m
-
S T
'
o yy p?
G C ?
c ? mmmaD r
C p
.9Qt
n ?- C C # m n m a
E O
MN c.o x?
ar. c
m 3
$ m
C
oopp
,
U N O l
ryp
m C E C O C
A mm ppp y+ ?p p po .apNN?p ?Qp
M M ? 1N?1 Nf M 1"1 1"1 f r ? K Y f a f ? f Y1 ? N ? N N ? ? X19 tD .
?
"
J'.?t N X? wQ 7 Q t
)
~ E
ON to " c
m ao
o ° a-+? °
7 y o ?' m
Q Q1.0
G
'!, y ?p p f p?nom
g NNM M O m?NpA NNM (y ?"1MOIp?pN
t?p?
Y
do m Y Qy ti
tN`INNNNN
1 N
N
N t.. O 5 O
E C N
N
C O N
CV
N
NN
NN
O Y V M M M M M
E-' m 7
N O m O Of
C
"'
D 61 C C C
m
++.L.+
o N
pp ??pp m?pmmpp
NM d Uf t0 P.m m??-N ?.?-?,^-??NNN NN NN NNNe9
at C Q Q TU Q C m
6 Am >0, 2
pao t a?yoio a 8m?
yQ " M
? C ? 7, co t O
0 co 0
?
-
3 E o
Cmi
?._
°i .E
'm
o
o
g r E
o-yo?L' $
? c
$ o
°
m TE
a o
O°
U
? .= o
o
w
T
m a? .
C
u
i ?
t
. o
o
? ?
0 OE
t°
8
U O
m9
NN
U
??
y ?
3 c
N
N
? 9
y LN = m N N
C C ar
?ec?' wx ; ?E x
3 '+ ?s
ov
a ° E o?
q
C A p
y
gl.L oo? m ay
>, Cj
G
m s d m g t
61 G1 m c T N H
"?'
a
-
n
? 5
U U E.5
Fn .
_
.
ie ? r
? ?
pp
R.!
?
? ,
?
.
t". ;? ? .??
1
.?„ f
?
p
7V
a ?
?
o ! ?
.:1
-
? ?
. ?
. ?
':: i ...K
SHERIFF'S RETURN - REGULAR
CASE NO: 2008-04669 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
PENNSYLVANIA STATE EMPLOYEES
VS
GILL LANETTE M
MARK CONKLIN Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
GILL LANETTE M
was served upon
the
DEFENDANT , at 0017:40 HOURS, on the 13th day of August 2008
at 1650 HOLTZ ROAD
ENOLA, PA 17025
SHARON STRAWSER
by handing to
MOTHER OF 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 18.00
Service 15.00
Affidavit .00
Surcharge 10.00
.00
43.00
Sworn and Subscibed to
before me this
day
So Answers:
R. 'Thomas Kline
08/14/2008
VAN ECK & VAN ECK
By.
Depu y Sheriff
of A. D.
VS.
PENNSYLVANIA STATE EMPLOYEES:
CREDIT UNION,
LANETTE M GILL
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
Plaintiff
NO. 2008-4669 Civil Term
Defendant CIVIL ACTION -LAW
PRAECIPE FOR JUDGMENT
Enter Judgment in favor of Plaintiff and against Defendant, Lanette M Gill for want of
ANSWER TO COMPLAINT.
(X ) Assess damages as follows:
Debt -----------------------------------------------------------------$7,488.37
Attorney's Commission------------------------------------ $2,402.29
Filing costs ---------------------------------------------------------- $to be determined
TOTAL--------------------------------------------------------------1Q $90.66 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 thi?s?prraecipe and a copy of the notice is attached.
DATE: _ pZ V Signature: 4yWid"D ?
Melissa 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 oth otary/Clerk, Civil ivision
By:
Deputy 7
PENNSYLVANIA STATE EMPLOYEES: IN THE COURT OF COMMON PLEAS
CREDIT UNION, : CUMBERLAND COUNTY,
: PENNSYLVANIA
Plaintiff
NO. 2008-04669
VS.
LANETTE M GILL
Defendant
TO: LANETTE M GILL
1650 Holtz Road
Enola, PA 17025-1312
DATE OF NOTICE: September 3, 2008
CIVIL ACTION -LAW
IMPORTANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE
COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST
YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE,
A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU
MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS.
YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS
OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGHBLE PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County Bar Association
32 S. Bedford Street
Carlisle, PA 17013
(717) 249-3166
(800) 990-9108
r By.
Melissa L. Van Eck, Esquire
Attorney T.D. No. 85869
P.O. Box 6662
Harrisburg, PA 17112
717.540.5406
Attorney for Plaintiff
PENNSYLVANIA STATE EMPLOYEES: IN THE COURT OF COMMON PLEAS
CREDIT UNION, : CUMBERLAND COUNTY,
: PENNSYLVANIA
Plaintiff
VS.
LANETTE M GILL
NO. 2008-4669 Civil Term
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, Lanette M Gill, 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.
V ECK & VAN ECK, P.C.
By: . J F (Nl
Henry W. V Eck, Esquire
Attorney I.D. No. 83087
P.O. Box 6662
Harrisburg, PA 17112
717.540.5406
Attorney for Plaintiff
Sworn and subscribed to
before me this OD- day
of September 08
Notary APub is 1' 4 St
L
ISSA L VANECK
EWESUTHANOVER OTARIAL SEAL
otary Public
NTY
1WP, DAUPHI:22.2011
on Expitos Mar
-fP-
G
bo Cie
u?
PENNSYLVANIA STATE EMPLOYEES:
CREDIT UNION, .
Plaintiff
VS.
LANETTE M GILL
Defendant
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
NO. 2008-4669 Civil Term
CIVIL ACTION -LAW
TO: Lanette M Gill, Defendant
You are hereby notified that on 9 01..3 /o g , the following
(9fder) (Degfee) (Judgment) has been entered against you in the above captioned case for your
failure to file an answer to the complaint. A Judanent in the total amount of $9,890.66 plus
costs is hereby entered.
DATE:
IS/ 644_? P. k5?KT
rothonotary '1 10 r's
I hereby certify that the name and address of the proper person(s) to receive this notice is:
Lanette M Gill
1650 Holtz Road
Enola, PA 17025-1312
A: Lanette M Gill, Defendant, Defendido/a (Defendidos/as)
Por este medio se le esta notificando que el
del
de
el/la siguiente (9fden) (Deefete)
(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 Begun indicada en el certificado
de residencia:
Lanette M Gill
1650 Holtz Road
Enola, PA 17025-1312
PENNSYLVANIA STATE EMPLOYEES:
CREDIT UNION,
Plaintiff
VS.
LANETTE M GILL
Defendant
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
NO. 2008-4669 Civil Term
CIVIL ACTION -LAW
ENTRY OF APPEARANCE
Please enter the Appearance of Van Eck & Van Eck, P.C., as counsel for Plaintiff in the
above captioned action.
Respectfully Submitted,
VAN ECK & VAN ECK, P.C.
Date: September 22, 2008
By: -I L(k_Yj,&rjU V L ?
Melissa L. Van Eck, 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
C o
?r
Fq
-
Po O
p