HomeMy WebLinkAbout08-6838
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
BARLEY SNYDER LLC
Shawn M. Long, Esquire
Court I.D. No. 83774
126 East King Street
Lancaster, PA 17602
(717) 299-5201
Attorneys for Plaintiff
Pennsylvania State Employees Credit Union
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
V.
DAVID J. LEACH,
Defendant
COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION - LAW
No. 08 - (838 l:ivi! j-em
forth in the following pages, you must take action within twenty (20) days after this 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 by the Court without further notice to you for any money claimed in the Complaint
or for any other claim or relief requested by Plaintiff(s). You may lose money or property or
other rights important to you.
2431440-1
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 CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Court Administrator
4th Floor, Cumberland County Courthouse
Carlisle, PA 17013
(717) 240-6200
Effective September 1, 2003
2431440-1
BARLEY SNYDER LLC
Shawn M. Long, Esquire
Court I.D. No. 83774
126 East King Street
Lancaster, PA 17602
(717) 299-5201
Attorneys for Plaintiff
Pennsylvania State Employees Credit Union
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
V.
DAVID J. LEACH,
Defendant
COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION - LAW
No. 0 5'. 1, 930 ' ;r ` -1
AVISO PARA DEFENDER
Conforme a RCP No. 1018,1 del PA
LE HAN DEMANDADO EN CORTE. Si usted desea defender contra las
demandas dispuestas en las paginas siguientes, usted debe tomar la accion en el plazo de veinte
(20) dias despuds de esta queja y el aviso es servido, incorporando un aspecto escrito
personalmente o por el abogado y archivando en escribir con la corte sus defensas u objeciones a
las demandas dispuestas contra usted. Le advierten que si usted no puede hacer asi que el caso
puede proceder sin usted y un juicio se puede incorporar contra usted por la corte sin aviso
adicional a usted para cualquier dinero demandado en la queja o para cualquier otra demanda o
relevacion pedida por Plaintiff(s). Usted puede perder el dinero o la caracteristica u otra endereza
2431440-1
importante a usted.
USTED DEBE LLEVAR ESTE PAPEL SU ABOGADO INMEDIATAMENTE. SI
USTED NO TIENE Un ABOGADO, VAYA A O LLAME POR TELEFONO La OFICINA
DISPUESTA ABAJO. ESTA OFICINA PUEDE PROVEER De USTED La INFORMACION
SOBRE EMPLEAR A un ABOGADO.
SI USTED NO PUEDE PERMITIRSE AL HIRE A un ABOGADO, ESTA OFICINA
PUEDE PODER PROVEER DE USTED LA INFORMACION SOBRE LAS AGENCIAS QUE
LOS SERVICIOS JURIDICOS de la OFERTA de MAYO A LAS PERSONAS ELEGIBLES
EN Un HONORARIO REDUCIDO O NINGON HONORARIO.
Court Administrator
4th Floor, Cumberland County Courthouse
Carlisle, PA 17013
(717) 240-6200
Efectivo 1 de Septiembre, 2003 Queja
2431440-1
BARLEY SNYDER LLC
Shawn M. Long, Esquire
Court I.D. No. 83774
126 East King Street
Lancaster, PA 17602
(717) 299-5201
Attorneys for Plaintiff
Pennsylvania State Employees Credit Union
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
DAVID J. LEACH,
V.
Defendant
COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION - LAW
No. 0,P- 6 k3 S" P j
COMPLAINT
1. Plaintiff, Pennsylvania State Employees Credit Union ("PSECU") is a
Pennsylvania financial institution having an office at One Credit Union Place, Harrisburg,
Pennsylvania 17110.
2. Defendant, David J. Leach, is an adult individual with a last known address of
527 Walnut Street, Lemoyne, Pennsylvania 17043-1547.
3. On or about May 3, 1990, Defendant applied for a Personal Service Loan
("Account I") with PSECU. A true and correct copy of the Personal Service Loan Application is
attached hereto as Exhibit "A" and incorporated by reference.
2431440-1
4. On or about June 11, 1990, Defendant applied for a Visa and Mac account
("Account II") with PSECU. A true and correct copy of the Visa and Mac Application is attached
hereto as Exhibit "B" and incorporated by reference.
5. PSECU approved Defendant's applications, opened accounts in Defendant's
name and issued a Visa credit card to Defendant.
6. At various times Defendant received Personal Service Loan advances and made
purchases on Account I and Account II subject to the terms and conditions of PSECU's Loanliner
Credit Agreement and Truth in Lending Disclosure ("Agreement"). A true and correct copy of
the Agreement and Plaintiff's statements showing charges to Account I and Account II are
attached hereto as Exhibit "C" and incorporated by reference.
7. Defendant is in default under Account I and Account II for failure to make
payments when due.
8. Notices of default were sent to Defendant: on May 23, 2008 and August 26,
2008. A true and correct copy of the notices are attached hereto as Exhibit "D" and incorporated
by reference.
9. The balance due and owing to PSECU from the Defendant on Account I is
$2,546.25, plus collection costs of twenty percent (20%) or $509.25 for a total of $3,055.50.
10. The balance due and owing to PSECU from Defendant on Account II is
$7,138.51, plus reasonable attorneys' fees of $1,427.70 for a total of $8,566.21.
11. PSECU has demanded payment from the Defendant, but despite these demands,
the Defendant has refused and continues to refuse to make payments.
12. On or about October 17, 2002, the Defendant executed and delivered to PSECU a
Home Equity Line of Credit Agreement (the "Note") in the original principal sum of $21,700.00.
2431440-1 2
A true and correct copy of the Note is attached hereto as Exhibit "E" and incorporated by
reference.
13. The Note carries interest at the yearly rate of 1.500 percent above the highest
prime rate as published in the Money Rates Table in the last issue of the "Wall Street Journal" on
the last day of the preceding month but one, and requires Defendant to make monthly payments
equal the greater of $50.00 or a dollar amount based on the principal balance as of the date of the
last draw, the current interest rate and a term of 120 months.
14. The Note requires Defendant to pay a late charge of five percent (5%) of the
overdue payment when PSECU does not receive Defendant's monthly payment within fifteen
(15) days of the date that the payment is due.
15. The Note is secured and accompanied by an Open-End Mortgage (the
"Mortgage") dated October 17, 2002 and recorded in the Office of the Recorder of Deeds of and
for Dauphin County, Pennsylvania in Book 4741, Page 305 on Defendant's property located at
2328 Berryhill Street, Harrisburg, Dauphin County, Pennsylvania (the "Premises"). A true and
correct copy of the Mortgage is attached hereto as Exhibit "F" and incorporated by reference.
16. Defendant is in default under the Note and Mortgage for failure to make monthly
payments which were due beginning April 16, 2008 and on the 16th day of each month thereafter.
17. Notice as required by the Homeowner's Emergency Mortgage Assistance Act of
1983 (Pennsylvania Act 91) was sent to Defendant by certified mail, return receipt requested on
July 16, 2008. A true and correct copy of this Notice is attached hereto as Exhibit "G" and
incorporated by reference.
2431440-1
18. Pursuant to the Note, in the event of Default, PSECU may, and hereby does,
declare all amounts owed under the Note, including principal, accrued interest, late charges, and
all other charges, including reasonable attorneys' fees, to be immediately due and payable.
19. Pursuant to the Note, in the event of Default, PSECU is entitled to be reimbursed
for all costs and expenses, including reasonable attorneys' fees incurred in bringing any action to
enforce the Note.
20. For purposes of this action, PSECU believes, and therefore avers, that $3,000.00
constitutes reasonable attorneys' fees for enforcing the Note. However, PSECU recognizes that it
is restricted by law to those attorneys' fees that are actually incurred. If those fees are less than
$3,000.00, PSECU agrees to adjust its demand for attorneys' fees, if applicable, at the time
payment on any judgment is made.
21. As of October 7, 2008, the amount due on the Note and the Mortgage is as
follows:
Principal Balance $21,223.26
Interest through October 7, 2008 555.18
Satisfaction Fee 28.50
Collection Fees 50.00
Attorneys' Fees 3,000.00
$24,856.94
plus attorneys' fees and costs.
22. PSECU has demanded payment from Defendant, but despite these demands, the
Defendant has refused and continue to refuse to make payments.
23. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq.,
Defendant may dispute the validity of the debt or any portion thereof. If Defendant does so in
writing within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will obtain and
provide Defendant with written verification thereof, otherwise, the debt will be assumed to be
2431440-1 4
valid. Likewise, if requested within thirty (30) days of receipt of this pleading, Counsel for
Plaintiff will send Defendant the name and address of the original creditor if different from the
above.
WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union demands judgment
in its favor and against Defendant, David J. Leach, in the amount of $36,478.65, plus reasonable
attorneys' fees and costs of suit.
Date:
BARLEY SNYDER LLC
By:
awn M. Long, Esquire
Attorneys for Plaintiff
Pennsylvania State Employees Credit Union
Court I.D. No. 83774
126 East King Street
Lancaster, PA 17602
(717) 299-5201
2431440-1
AMY
You must have a Member Census on file.
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PERSONAL S=VICE LOO 0ORISM951 j
Strictly Confidential
DO NOT USE RED INK
A GENERAL INFORMATION To be completed by Loan Tracker if ADVANCE: YES NO (circle one)
Member Name Sec_ Sec- Nn- , -e
Derogatory Screen Comments:
_f -
Present PSL L.O.C. Amt. or N/A)
Co-Applicant: Soc. Sec. No.
Co-Applicant --Member: Yes No (circle one)
Relationship to Applicant:
Derogatory Screen Comments:
Present PSI. L.O.C. ( Amt. or N A
Debt Consolidation: Yes or No
Interest Rate lb --%
B CREDIT ANALYSIS To be completed by Service Application Analyst
CREDIT RATING: S or U
1. Applicant's Annual Gross Income
(Gross Pay X Pay Frequency)
2. Applicant's Other Gross Income
3. Applicant's Total Grog Inpo",
4. Applicant's LOC/ ,,;
5. Applicant's Total "Mont y Net Income
6. Co-Applicant's Annual Gross Income
7. Co-Applicant's Other Gross Income
8. Co-Applicant's Total Gross Income
9. Co-Applicant's LOC
10. Co-Applicant's Total No. Net Income
11. Applicant i Co-App. Total LOC
12. Applicant 6 Co-App. Total Mo. Net Income
13. Total Monthly Debts
(Include PSL Pa ent, Mtq. Payment, Rent/Board)
14. Debt Ratio j =
15. Total Monthly Disposable Income Cv?i
(Monthly Net Income Less Debts)
vG
16. Preferred Monthly Disposable Income
($500 + $100 Per Dependent)
INSTRUCTIONS:
If gross income is less than $10000, credit limit is 10$ of
gross income. If gross income is over $10000, credit limit
is $1000 for first $10000 plus 36% of gross income over $10000.
C RECOMMENDATION To be completed by Service Application Analyst /?
( Approve $ l O Advance A
Conditions: LOC NLOC PTC (circle one)
: S
( ) Refer To Credit Committee
( ) Recommend Approval
( ) Recommend Denial Reasons: EC II CH DO AH PO
ADVANCE: YES NO (circle one)
Member Name Soc. Sec. No. 1 A4
1
Derogatory screen Comments: 1. ?
Present PSL L.O.C. / ($ Amt. or N/A)
Co-Applicant: .-r Soc. Sec. No.
Co-Applicant - Member: Yes No (circle one)
Relationship to Applicant:
Derogatory Screen Comments:
Present PSI. L.O.C. ( Amt. or N/A)
Debt Consolidation: Yes or No Interest Rate ?'> !
y
8 CREDIT ANALYSIS To be completed by Service Application Analyst I.&
CREDIT
1. Applicant's Annual Gross Income
(Gross Pay X Pay Frequency)
2. Applicant's Other Gross Income
3. Applicant's Total Group Incoms"
4. Applicant's LOC /
5. Applicant's Total-Monthly Net Income
6. Co-Applicant's Annual Gross Income
7. Co-Applicant's Other Gross Income
8. Co-Applicant's Total Gross Income
9. Co-Applicant's LOC
10. Co-Applicant's Total Mo. Net Income
11. Applicant i Co-App. Total LOC
12. Applicant i Co-App. Total Mo. Net Income
13. Total Monthly Debts
(Include PSL Pa ent, Mtg. Payment, Rent/Board)
14 . Debt Ratio .1 _
15. Total Monthly Disposable Income
(Monthly Net Income Less Debts)
16. Preferred Monthly Disposable Income
($500 + `100 Per Dependent)
or u
r
IL49TRUCIIQ 5A
If gross income is less than 5100000 credit limit is 10t of
gross income. If gross income is over $100000 credit limit
is $1000 for first $10000 plus 361 of gross income over $10000.
C RECOMMENDATION To be completed by Service Application Analyst 1/40
Approve S
Conditions.
Aavance Amt: 5
PTC (circle one)
[ ) Refer To Credit Committee
( ) Recommend Approval
( ) Recommend Denial Reasons: EC II CH DO AH PO
Rationale:
Contingencies:
Form 223001
-D REVIEW BY SUPERVISOR or DIRECTOR #__
Approved - $-- Advance Amt : ; T
Conditions: 1.6C N1.OC PTC (circle one)
Peter To credit committee
Nc?: r..?en i Apprriv.e1
Recormend Denial Reasons: EC II CH [70 All FAO s?
' Pit
Date:
Signature:— E REVIEW BY CUDIT COMMITTEE
Ceck one of the following: -
J Agree with the rational/contingencies listed in Section(s)
F(`
C and/or D
( j Credit Committee Contingencies
l SIGNATURE(S) rOR LOAN APPROVAL OR DENIAL
On -?~ D . 19( I ) (ire )-rov- wed the 1 i ne
of credit for S_ subject to the above conditions.
- Cred t C mmittee - % -Cred t Committee Credit Committee -
i! G
Loan Of f oer
G CONTROL To be completed by Service Application Analyst
To be input on to member's account by Loan Issuer
3.
4.
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6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
Loan s1or
Line of credit only
Advance Amount
Collateral Code
Purpose Code
Loan Amount
Check Amount
Due Date
Frequency
Payment Method
Transfer Cycle
Terms: I of Pymts
Alt Pymt Amount
Mail/KV/SQ (circle one)
Date Time
(Check Pickup Only)
New PD/DD form Attached:
(circle one)
Com fete
Coupons: Yes or No
You or No
(circle one)
by Loan Issuer Only
ircle one)
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P? Pennsylvania State Employees Credit Union
f `?(yr.? i PO Cox 67013 0 Harnsburg, PA 17106.7011 O (717) 2J-!-8484 (800) ?97.7718 NarlcnwiUe
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Loan Disclosures
This LOANLINER Credit Agreement and Truth in Lending Oisclosure will be
referred to as 'this Plan.' you' and 'your' mean each person who signs this
Plan. The 'credit-union' means PSECU or anyone to whom the credit union
transfers its rights under this Plan.
HOW THIS PLAN WORKS - The credit union anticipates that you volt borrow(
money (called advances) under this Plan from time to time. The credit union,
however. Is not required to make advances for you under this Plan and can
refuse a request for an advance at any time. The Addendum describes the
different types of credit (called subaccounts) available under this Plan. If you
have been approved for credit under a subaccount marked with a star ('), you will
be given a specific credit limit for that subaccount. For other subaccounts you
may not be given a specific dollar limit.
PROMISE TO PAY - You promise to repay to the credit union all advances made
to you under this Plan and any applicable charges described in the Addendum
together with interest on what you owe until the total amount has been repaid.
The interest rate depends on the subaccount under which the advance is made.
The Addendum shows the current interest rates as daily periodic rates and their
corresponding annual percentage rates. If the interest rate for any or all
advances Is a variable interest rate, the Addendum explains how the variable
interest rate works.
PAYMENTS - The amount of payments for an advance is determined according to
the payment schedule in the Addendum. If the Addendum has no payment
schedule for a subaccount, the amount and due date or payments will be
determined 21 the time or each advance. You may pay any or all of the principal
balance on any business day. You promise to make payments in the amount
required under the payment schedule provided on your disclosure statement.
Payments are not reduced as the principal balance declines, even it the new
advances are made.
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 prepay
all or part of whal you owe at any lime without any prepayment penalty.
LATE CHARGE - If your (minimum) payment is not received by us within 15 days
or its d8b date vve may charge and you have to pay a late charge or 5% of the
overdue payment.
COST OF CREDIT - The dollar amount you pay for money borrowed is called a
finance charge and begins on the dale of each advance. To compute the finance
charge, the unpaid balance (or 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
site( payments and credits to that batance have been subtracted and any new
advances have been added. A finance charge will be computed separately for
each separate balance under this Plan.
SECURITY INTEREST - You agree that all balances under this Plan except those
obtained by using your ATM card to access your line or credit subaccount will be
secured by the shares and deposits in all joint and Individual accounts you have
with the credit union now and in the future. You will give us a security interest in
all individual and joint accounts you have with the credit union now and in the
future to secure art advances obtained by use of your ATM card. Additional
security will be required depending on the subaccount under which an advance
is requested. For example, a subaccount called 'New Car Advances' means the
security will be a new car. Shares and deposits in an Individual Retirement
Account and any other account that would lose special tax treatment under slate
or federal law if given as security are not subject to the security Interest you have
given in your shares and deposits.
Property given as security under this Plan or for any other loan may secure all
amounts you owe the credit union new and in the future. However, to( purposes
of loans made under this LOANLINER Agreement, the credit union specifically
waives any security interest it may have in your dwellings given through any other
mortgages or security agreements.
DEFAULT - You will be in default if you do not make a payment of the amount
required when ft Is due. You will be in default if you break any promise you made
under this Plan or if anyone is in default under any security agreement made in
connection with an advance under this Plan. You will be in default if you die, rile
for bankruptcy, become insolvent, have your PSECU account gamished, if you
make any false or misleading statements in any credit application or update of
credit information, or if something happens which the credit union believes may
substantially reduce your ability to repay what you owe. In the case of loans ncf
conforming to policy, the credit union reserves the right to charge the highest
signature subaccount interest rase currently in effect at PSECU or may require
payment in full
When you are in default the credit union can demand immediate payment of the
entire unpaid balance under this Plan without giving you advance notice. If
immediate payment is demanded, you will continue to pay Interest, at the
applicable interest rates in effect under this Plan, until what you owe has been
repaid. If a demand for immediate payment has been made, the shares and
deposits given as security for this Plan can be applied towards what you owe.
The credit union can also exercise any other rights given by law when you are in
default.
PROPERTY INSURANCE - You will be required to purchase property insurance on
certain types of security that you give for advances. You may purchase the
property insurance from anyone you choose that is acceptable to the credit
un:on.
CANCELLING OR CHANGING THIS PLAN - The credit union has the right to
change the terms of this plan from lime to time after giving you any advance
notice required by law. Any change will apply to future advances, and al the
discretion of the credit union and subject to any fegb)remenls of the applicable
law, will also apply to unpaid balances. An Increase in the daily periodic rate
under a variable interest We is not considered a change in terms under this
Plan.
The credit union can cancel the entire Plan or any part or this Plan at any time.
You can cancel this Plan at any lime. Your obligation to pay the unpaid balances
under the terms of this Plan continues whether you or the credit union cancel
this Plan or any part of this Plan.
STATEMENTS AND NOTICES - On a regular basis you will receive a statement
showing all transactions under this Plan during the period covered by the
ctalement. Statements and notices will be mailed to you at. the most recent
address you have given The credit union In writing, Notice to any one or you will
be notice to all.
JOINT ACCOUNTS - If this is a joint account, each of you authorizes the other(s)
to get advances Individually under this Plan. That means an advance can be
made upon the request of only one of you and that the check ran be issued to
only one of you. K you give inconsistent Instructions, the credit union can refuse
to follow your instructions* Each of those who sign this Plan will be individually
and jointly responsible for paying the entire amount owed under this Plan. Thai
means the credh union can enforce its rights under this Plan against any one of
you individually or against all of you together.
UPDATING INFORMATION - You promise that you will promptly give the credit
union written notice if you move, change your name or employment, or if any
other information you provided to the credit union changes. You also agree to
provide the credit union updated financial Information about yourself upon
request.
The credit union can delay enforcing any or its rights any number of times without
losing its rights. If the law makes any lerm(s) of [his Plan unenforceable, the
other terms will remain in effect.
SECURITY AGREEMENT an this agreement all references to "credit union' mean
the credit union whose name appears on this agreement and anyone to whom
the credit union assigns the LOANLINER Credit Agreement. All references to
'the advance' mean the amount In the box labeled 'New Balance' All refer-
ences to you' mean each person who signs this agreement.
THE SECURITY FOR THE LOAN - By signing this security agreement in the
signature area or under the statement referring to this agreement which is on
the back of the check or draft you receive for the advance, you give the credit
union what is known as a security interest in the property described in the
'Security Offered' section of the voucher. 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 replace-
ments 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 the credit union more
property as secuntyy if asked to do so. The credit union will cease to have a
security interest in the property described in the 'Security Offered' section of the
voucher when the advance is repaid in full.
.10
'.oan Bnr CreditAoreemont and rrirh In Londing Dfscfosuna (eontlned)
LVHAT THE 5ECURITY INTEREST COVERS - The security interest secures the
advance and any ertensions, renewals or refinancings of the advance. II also
secures ar.y other advances you have now or recei•,e in the future under the
LOANLINER Credit Agreement and any other amounts you owe the credit union
for any reason now cr in the future. It the property description is marked with two
stars ('-), the properly wii) secure only the advance and not other amounts you
owe
OWNERSHIP OF THE PROPERTY - You promise that you ovm the property, or if
this advance is to buy the properly. you promise you will use the advance for that
purpose. You promise that no one else has any interest or claim against the
property that you have not already told the credit union aboul. 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 security interest or lien
to attach to the property either by your actions or by operation of law.
PROTECTING THE SECURITY INTEREST - If your state issues a tilte for the
property, you promise to have the credit union's security interest shown on the
title. The credit union may have to file what is called a financing statement to
protect its security Weresl from the claims of others. If asked to do so, you
promise to sign a financing statement. You also promise to do whatever else
the credit union thinks is necessary to protect its security interest in the property.
USE OF THE PROPERTY - Unlit the advance has been paid off, you promise you
will: (1) Use the property carefully and keep it in good repair. (2) Obtain written
permission from the credit union before making major changes to the properly.
(a) Inform the credit union in writing before changing your address or the
address where the property is kept, (4) Avow the credit union to inspect the
property. (5) Promptly notify the credit union it the property is damaged, stolen or
abused. (6) Not use the property for any unlawful purpose.
PROPERTY INSURANCE, TAXES AND FEES - You promise to pay all lazes and
fees (like registration fees) due on the property and to keep the property insured
against loss and damage, The amount and coverage of the property insurance
must be acceptable to the credil union. 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 the credit union and to deliver
the policy or proof of coverage to the credit union.
It you cancel your insurance and get a refund, the credit union has a right to the
refund. If the property is lost or damaged, the credit union can use the insurance
settlement to repair the property or apply it towards what you owe. You authorize
the credit union to indorse any draft or check which may be payable to you in
order for the credit union to collect any refund or benefits due under your
insurance policy.
If you do not pay the taxes or lees on the property when due or keep A insured,
the credit union may pay these obligations, but is not required to do so. Any
money the credit union spends for taxes, fees.or insurance will be added to the
This notice contains important information about your tights and our responsk
bilities under the Fair Credit Billing Act.
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. Write to us as soon as possible. We must hear from
you no later than 60 days after we sent you the first statement on which the
error or problem appeared. You can telephone us, but doing so will not
preserve your rights.
In your letter, give us the following information:
Your name and account number.
The dollar amount of the suspected error.
Describe the error and explain, if you can, why you believe there is an
error.
It you need more information, describe the item you are not sure about.
It you have authorized us to pay a credit card account automatically from your
share account or WneyHandlerlChecking 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 10 days, unless
we have corrected the error by then. Within 90 days, we must either correct the
error or explain why vie believe the statement was correct.
Alter we receive your letter, we cannot try to collect any amount you question, or
report you as delinquent. We can continue to send statements to you for the
unpaid balance of the advance or-a now advance "it be made and ,_t, voll pay
the interest on those amounts at the same tale you agreed to pay on the
advance. It the credit union adds amounts for taxes, revs or insurance or makes
a new advance to include these funds, your payments will be increased by the
amount necessary for the total amount duo to be paid off in the same number of
months originally scheduled.
DEFAULT - You will be in default if you break any promise you make under this
agreement. You will also W in default under the LOANLINER Credit Agreement.
If you are pledging property, but have not signed the LOANLINER Credit
Agreement, you will be in default if anyone is in default who has signed the
LOANLINER Credit Agreement.
WHAT HAPPENS IF YOU ARE IN DEFAULT -When you are in default, the credit
union can, viilhout advance notice to you, require immediate payment of what
you owe under the LOANLINER Credit Agreement and take possession of the
property. You agree the credit union has the right to take possession of the
property without going to court and without giving you advance notice. If you are
asked to do so by the credit union, you promise to deliver the property at a lime
and place the credit union chooses. The credit union will not W responsible lot
any of your other property, not covered by this agreement, that you leave inside
the property. The credit union will try to return that property to you or make it
available for you to claim.
After the credit union has possession of the property, it can sell it and apply the
money received to any amounts you owe the credit union. The credit union will
give you notice of any public taco or the date after which a private sale will be
held. The expenses of the credit union for taking possession or and sefling the
property will be deducted from the money received from the safe. 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 subsection 506(b)
of the Bankruptcy Code. The rest of the sale money At be applied to what you
owe under the LOANLINER Credit Agreement.
If you have agreed to pay the advance, you will also have to pay any amount that
remains unpaid alter the sale money has been applied to the unpaid balance of
the advance and to Mal you owe under this agreement, You agree to pay
Interest on that amount at the same rata as the advance until that amount has
been paid.
DELAY IN ENFORCING RIGHTS AND CHANGES IN THE AGREEMENT -The credit
union can delay enforcing any of its rights under this agreement any number of
times wilhoul losing the ability to exorcise As tights later. The cradll union can
enforce this agreement against your heirs or legal representatives. If the credit
union changes the terms of the LOANLINER Credit Agreement, you agree that
this agreement will continue to protect the credit union.
CONTINUED EFFECTIVENESS - If any part of this agreement is determined by a
court to be unenforceable, the rest will remain In effect.
amount you question. Including finance charges, and we caiA apply any unpaid
amount against your credit limit, You do not have to pay any questioned amount
while we are investigating, but you are still obligated to pay the parts of your
statement that are not in question.
It we rind 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 I
to [hat the matter has been settled betvieen 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 stal"enl was coned.
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
hw limitations on this right: (a) You must have made the purchase in 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 mailer
you the advertisement for the property or services.
In this Agreement, the words -you- and -your' means each and all of (hose w•ho
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 o(Credit account wilh us. V?/e% -us-, and -curs' means this
credit union.
RESPONSIBILITY - If we issue you a card, you agree to repay all debts and the
Finance Charge arising from the use of the card and the card account. For
example, you are responsible for charges made by yourself, your spouse and
minor children, You are also responsible for charges made by anyone else to
whom you give the card, and this responsibility continues until the card is
recovered. You cannot disclaim responsibility by notifying us, but we will close
the account for new transactions if you so request and return all cards. Your
obligation to pay the account balance continues even though an agreement,
divorce decree or other court judgment to which we are not a party may direct you
or one of the other persons responsible to pay the account.
LOST CARD NOTIFICATION - If you believe the card has been lost or stolen, you
will immediately call the credit union at (717) 234-8484 or (800) 237.7328. After
hours call (800) 556-5678.
LIABILITY FOR UNAUTHORIZED USE - You understand that your total liability to
the credit union shall not exceed $50 for any card transactions resulting from the
loss, then or unauthorized use of the card that occurs prior to the lime you give
notice to the credit union. Such liability does not apply when the card is. used to
make electronic fund transfers.
CREDIT LINE • If we approve your application, we will establish a sell-replenish-
Ing 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 Una only by wrillen 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 lime, 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 out adverse reevaluation of your creditworthi-
ness. You may also terminate this Agreement at any time, but terminalion 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.
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.
MONTHLY PAYMENT - We will mail you a staterrieni every month showing your
Previous Balances of purchases and cash advances, the current transactions
on your account, the remaining credit available under your Credit Line, the New
Balances of purchases and cash advances, the Total New Balance, the Finance
Charge due to dale, 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
MoneyHandlerlChecking 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 th• finance charge by doing so.
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 your payments first to the Finance
Charge on both purchases and cash advances, then to any billed fees, then to
the principal balance of purchases in the order they were posted to your account
and then to the principal balance of cash advances.
FINANCE CHARGES - You can avoid 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.
Monthly Periodic Finance Charge, Monthly Periodic Rate and Annual Percentage
Rate. The Finance Charge is the Monthly Periodic Finance Charge. The Monthly
Periodic Finance Charge (or each billing cycle will be calculated by multiplying
the Average Adjusted Balance (see explanation below) for your Account for the
billing cycle by the Monthly Periodic Rate as disclosed on the Addendum
Calculation of the Average Adjusted Dairy Balance. We calculate your Average
Adjusted Daily Ba•arce (the balance which is subject to the Nlonlhly Periodic
Rate) as follows: -
The Average Az;justed Daly Balance for ycur account for the billing cycle is the
average of the adjusled daily balances for each day of the billing cycle.
To calculate the Adjusted Daily Balance each day, we lake the following steps:
We lake the outstanding balance (all amounts you ovre) at the start of the day.
Then, in the sequence in which the amounts post to your account, we add the
amounts or all debits and subtract the amounts of all payments and credits
which post to your account that day.
Payments are applied first to any Late Charges, then to any Overlimit Charge,
then to any unpaid Finance Charge for previous billing cycles, Annual Fee, then
to the Cash Advance balance, and then to the balance of your Account. Credits
ate applied first to the particular type of debt which is being credited, if any, and
then to the balance of your account. After applying payments and credits, we
subtract any amount of Finance Charge, Late Charge, Overlimil Charge and
Annual Fee that remains unpaid. Then we also subtract the amount of any Cash
Advance transaction that posts to your account on that day or on any previous day
on the same billing cycle. The result is the Adjusted Daily Balance for that day.
We add together all the Adjusted Daily Balances for each day in the billing cycle
and divide the total by the number of days in the billing cycle. The result is the
Average Adjusted Daily Balance for Thal billing cycle.
Note that cash advance transactions which are posted to your Account during a
billing cycle are not included in the Average Adjusted Oaity Balance for that cycle,
and are therefore not subject to the Monthly Periodic Rate during that cycle.
However, they are included in the New Balance shown on the statement for that
cycle, and are therefore also included in the outstanding balance at the start of
the first day of the next billing cycle.
Nola also that if the total of the payments and credits which are posted to your
account by the Payment Due Dale 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.
DEFAULT - You will be in default if you fail to make any Minimum Payment within
25 days after your monthly statement closing date. You will also be In default tf
your ability to repay us is malerially reduced by a change in your employment, an
increase in your obligations, bankruptcy or insolvency proceedings involving you,
your death or your failure to abide by this Agreement, or if the value of our security
interest materially declines. We have the right to demand immediate payment or
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, ini, luding court costs and reasonable attorney fees.
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, to us 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. The monthly
statement will identify the merchant, electronic lerminal or financial institution at
which transactions were made, but sate, 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.
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 account, If your credit and payments exceed
what you owe us, we will hold and apply this credit balance against future
purchases and rash advances, or d it is one dollar or more, refund A on your
written request or automatically after six months.
FOREIGN TRANSACTIONS - Purchases and cash advances made in foreign
countries and foreign currencies will be billed to you in U.S. dollars. The
conversion rate to dollars will be (J the wholesale market rate or (ir) the
government-mandated rate, whichever is applicable, in effect one day prior to the
processing date, increased by one percent.
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 defenses (other than ton claims) arising out of goods and services you
purchase with the card only if you have made a good faith attempt. but have been
enable to obtain satisfaction from the plan merchant, and (a) your purchase was
nade in response to an advertisement we sent or participated in sending you, or
'iSA rn Jrt CS:1 Truth In Lending Disclosure (continued)
,r, your,purchasg Cost morn than SSO and was made from a plan merchant in
cur sla!e or -!h;n 100 rni!es of your homo Any other disputes you must
r'sJlvu d-rectiy wit" the plan merchant.
;ECURITY INTEREST - To secure your account, you grant us a purchase money
:ecurity interest under the Uniform Commercial Code in any goods you
:urchase 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 Monlhly Payment section. With respect
to this account only, we will not assert any statutory right we may have if you are
m default to prevent withdrawal of your unpledged credit union shares (Deposits)
belo•rr 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.
MONEY ACCESS CARD CARDHOLDER AGREEMENT - In this Agreement Cl* or
"we'), in consideration of The Pennsylvania State Employees Credit Union ('you-
or 'your) issuing to me a Money Access Card, hereby agrees to be legally bound
by the following terms and conditions.
ACCOUNTS AND USES OF MONEY ACCESS CARD - I have the account(s)
(including MoneyHandler/Checking, Regular Shares, and Personal Service Loan
(PSL)) with you set forth on my application form with this Agreement. I hereby
request that you Issue Io me one or more Money Access Cards to be used in
connection with such accounts as described in this Agreement.
I understand I may use the Money Access Card at a Money Access Center to (1)
withdraw cash from, (2) make or arrange for deposits in, (3) effect transfers to or
from my accounts, (4) receive information regarding the balance In my
account(s) or (5) make cash advances from my credit account(s) In the amounts
I request. I may also use automated teller machines throughout the United
States and in certain foreign countries which bear the PLUS System name and
logo to (1) make withdrawals from, (2) effect transfers to or from, or (3) receive
information regarding the balances in my Mona YHandler/Chacking or Regular
Shares. I may also make a cash advance from my Personal Service Loan if I
have a PSL approved and in place, I further understand I may use the Money
Access Card to purchase goods and services (-Purchasel at any retail
establis*Vnt (-Merchant) where Money Access Cards are accepted by such
Merchant. If I use the Money Access Card to make a Purchase or obtain cash, if
permitted by the Merchant, I shall be requesting you to withdraw funds in the .
amount of such Purchase (including any cash received from the Merchant) from
my MoneyHandler/Checking Shares and directing or ordering you to pay such
funds to the Merchant.
I request that you provide to me such other services or access to other ATM
syslems or networks using the Money Access Card which you may later make
available and which you advise me are offered In connection with my account(s)
set forth on my application form. 1 also understand that from time to Ume I
mayrequest in writing that you provide access to additional accounts of mine
through the Money Access Card you have issued to me. 1 agree that the uses of
the Money Access Card described In this Agreement shall be subject to the rules
and regulations of each account which accessed by such card.
USE OF PERSONAL IDENTIFICATION NUMBER ("PIN") WITH MONEY ACCESS
CARD - I understand that a Money Access Center or a PLUS System ATM is an
automated teller. It can and will perform many of the same tasks as a human
teller. I acknowledge that the Personal Identification Number or PIN which I use
with the Money Access Card is my signature, identifies the bearer to the Money
Access Center, PLUS System ATM, or other nehvork ATM and authenlicales and
validates the directions given just as my actual signature and other proof identify
me and authenticate and validate the directions to a human teller. I also
understand that a merchant which accepts the Money Access Card for a
Purchase transaction may have an electronic terminal (Merchant-operated or
self-service) which requires the use of my PIN and when my PIN is used at a
Merchant's terminal, it will authenticate and validate the directions just as my
actual signature will authenticate and validate my directions given to you. I
acknowledge that my PIN is an identification code that is personal and
confidential and that the use of the PIN with the Money Access Card is a security
method by which you are helping me to maintain the security of my accounl(s).
Therefore, I AGREE TO TAKE ALL REASONABLE PRECAUTIONS THAT NO ONE
ELSE LEARNS MY PIN.
HOW TO CONTACT MONEY ACCESS SERVICE - I agree to contact the Money
Access Service immediately it I believe the Money Access Card or PIN has been
lost or stolen or that an unauthorized transfer from my account has occurred or
might occur, by phoning, and by confirming such information in writing:
EFFECT OF AGREEMENT - This agreement is the contract which applies to all
transactions on your account even though the safes, cash advance, credit or
other slips you sign or receive may contain different terms. We may amend the
Agreement from time to lime by sending you the advance wrillen notice required
by law. Your use of the card thereafter will indicate your agreement to ilia
amendments. To the exlent• the law permits, and we indicate in our notice,
amendments will apply to your existing account balance as well as to future
transactions.
LATE PAYMENT CHARGE - It your Minimum Payment is not paid within 15 days
after the Payment Due Date, you will be subject to a single charge of S% of the
minimum scheduled payment.
COPY RECEIVED - You acknowledge receipt of a copy of this Agreement.
PSECU P.O. Box 67013 (717) 234-8484 in Harrisburg
Harrisburg, PA. 17106-7013 (800) 237.7328 (TTO) Nalionwide
(717) 777-2100 (TDD) fn Harrisburp
(800) 472-1967 (TDD) Nationwide
Money Access Service (800) 222-2781 In Pennsylvania
(800) 523-4173 In other states
CHARGES - I agree to pay the 50 cent penalty charge on arry cash disbursement
transaction (loan advance or share withdrawal) that is tEssthan $20. 1 agree to
pay a 25 cent charge on each balance Inquiry.
I agree to pay the charges or transaction fees which are charged by you for these
services or for services which may later be offered as such fees or charges may
be Imposed or changed from lime to time.
DEPOSITS - I agree that when I make a deposit at a Money Access Center that
you have the right to verify the deposit before you make the money available to
me. If I deliver cash, checks or other items to a Money Access Center, I
understand and acknowfecigo that the funds from my deposit may not be
available for immediate withdrawal and that the availability of my deposit shall
depend on your rules and regulations regarding the particular account In which I
am making a deposit, the items that 1 am depositing and whether the deposit is
made at a Money Access Center that is owned by you or another financial
institution. I also understand and acknowledge that not all Money Access
Centers may accept deposits and some Money Access Centers may limit the
amount of funds which (nay be deposited and you may not control these limits.
LIABILITY - If the Money Access Card Is issued for a joint account, we agree to
be jointly and severally liatrlf under the terms of this Agreement and the
agreement for such account.
I agree that if I make deposits or payments to my account(s) with Items other
than cash (checks, drafts or other items) and you make funds available to me
from such deposits prior to their collection, I agree that you may deduct the
amounts of such funds from my account(s) which are not collected err ICt?04u any
ru.we v. r.r ,
amount of such funds which are not collected.
AMENDMENT OF THIS AGREEMENT - I agree that from time to time you may
amend or change the terms of this Agreement including amendments or
changes to add further Money Access Card services or to amend or change the
charges for these services. You may do so by notifying me in writing of such
amendments or changes and my use of the Money Access Card after the
effective dale of any such amendment or change shall constitute my acceptance
of and agreement to such amendment or change.
OWNERSHIP - I agree that the Money Access Card is your property and I will
surrender it to you upon your request. I agree that the Money Access Card is
ion-transferable.
MONEY ACCESS CARD DISCLOSURE STATEMENT - PSECU believes you will
ind using the Money Access Centers helpful and convenient. The purpose of
his Disclosure Statement is to inform you of conain rights that you have under
he Electronic Funds Transfer Act.
HONEY ACCESS CENTER SERVICES - You may use your Money Access Card
vilh your Personal Identification Number (PIN) at Money Access Centers located
n Delay4re, Maryland, New Jersey, New York and Eastern Pennsylvania to
;onducl any of the following transactions for the accounts accessed by your
rloney Access Card.
?rettron_ Funds 1'ransler, 41.AC Agreement and Requlauon -E- Disclosure
(eonrlnued)
ra+ Celermrne the account balance(s) of your MoneyHandler/
Checking, your Regular Shares and your Personal Service Loan.
(b) Withdraw cash from your McnayHandler/Checking and your
Regular Shares
(c) Make a cash advance from your Personal Service Loan.
(d) Depcsil currency, checks, or drafts (coins are not acceptable)
in amounts 'ess than $10,000 for transmission !o PSECU for
deposit in your MoneyH.andier:Checking and your Regular
Shares
NOTE; Deposits may not be made in Money Access Centers
located in Maryland or New York.
(e) Make loan payments at PSECU's Strawberry Square Revenue
or Service Center, the Capitol Complex, or 1 Credit Union Place
Money Access Centers by enclosing cash, checks, or drafts and
the payment coupon on those items that are normally accepted
at the office of the Pennsylvania State Employees Credit Union
(f) 'from your MoneyHandler/Checking to your Regular Shares or
Personal Service Loan (PSL);
-from your Regular Shares to your MoneyHandler/Checking
or Personal Service Loan (PSL);
'from your Personal Service Loan (PSL) to your MoneyHandler/
Checking or Regular Shares.
We wish to inform you that some Money Access Centers located in these areas
may only provide access to your MoneyM and let/Checking, your Regular Shares,
and your Personal Service Loan. Not all Money Access Centers may accept
deposits. There may also be limits on the amount of funds which you may
deposit in certain Money Access Centers.
In addition, you may use your Money Access Card with your Personal Identifica-
tion Number at Money Access Centers located in New York to withdraw cash or
make a cash advance or obtain the available balance from your MoneyHandler/
Checking, your Regular Shares, and your Personal Service Loan.
TRINET (MAC WEST) SERVICES - You may use your Money Access Card with
your Personal Identification Number at Money Access Centers located in
Western Pennsylvania, Ohio and West Virginia for the services described below.
These Money Access Center services are provided through Tri-State Network
Association, Inc. (MAC WEST' or'TRINET' and its participating financial
institutions. You may request any of the following transactions for the accounts
accessed by your Money Access Card.
(a) Determine the available balance(s) from your MoneyHandler/
Checking, your Regular Shares, and your Personal Service
Loan (PSL).
NOTE: MAC West only gives daily available balances (maximum
.. daily available balance - 3300).
(b) Withdraw cash from your MoneyHandler/Checking and your
Regular Shares.
(c) Make a cash advance from your Personal Service Loan
(d) Deposit currency, checks or drafts (coins are not acceptable) in
amounts up to a total of $5,000 for transmission to PSECU for
deposit in your MoneyHandler/Checking and your Regular
Shares.
(e) Payments are not accepted at MAC West ATMs.
(f) transfer funds'
?g(4uYPJIr P.4 ijan?dter/Checking to your Regular Shares or
from your Regular Shares to your MoneyHandlerlCheckino or
Personal Service Loan (PSL):
from your Personal Service Loan (PSL) to your MoneyHandler/
Checking or Regular Shares.
These are the Money Access Center services currently available through MAC
West Other services may be offered in the future.
PLUS SYSTEM SERVICES - You may use your Money Access Card and your
Personal Identification Number (PIN) at any PLUS System automated teller
machine (PLUS SYSTEM ATM) located throughout the United Stales. Puerto
Rico, Canada, Great Britain, and Japan to conduct any of the following Irar,sac-
tiors on the accounts accessed by your Money Access Card.
(a) Determine the account balance(s) of your MoneyHandler/
Checking, your Regular Shares, and your Personal Service
Loan (PSL).
(b) Withdraw cash from your honeyHandler/Checking and your
Regular Shares.
(c) Make a cash advance from your Personal Service Loan (PSL).
(d) Deposits are not available through PLUS System ATMs.
(e) Payments are not accepted at PLUS System ATMs.
(f) transfer funds:
from your MoneyHandler/Checking to your Regular Shares or
Personal Service Loan (PSL);
from your Regular Shares to your MoneyHandler/Checking or
Personal Service Loan (PSL):
from your Personal Service Loan (PSL) to your MonoyHandlerl
Checking or Regular Shares.
These are the Money Access Center services currently available through the
PLUS System nerv,ork. Other services may be offered in the future.
HONOR SYSTEM SERVICES - You may use your Money Access Card with your
Personal Identification Number (PIN) at any HONOR automated teller machine
(HONOR ATM) located throughout Florida and other areas where there wo
HONOR ATMs The following transactions may be done on the accounts
accessed by your Money Access Card.
(a) Determine the account balance(s) of your MoneyHandler/
Checking, your Regular Shares and your Personal Service
Loan (PSL)
(b) Withdraw cash from your fvloneyHandler/Checking and your
Regular Shares.
(c) Make a cash advance from your Personal Service Loan (PSL).
(d) Deposits are not available through HONOR System ATMs.
(e) Payments are not accepted at HONOR System ATMs.
(f) transfer funds:
from your MoneyHandler/Checking to your Regular Shares or
Personal Service Loan (PSL);
from your Regular Shares to your MoneyHandler/Checking a
Personal Service Loan (PSL);
from your Personal Service Loan (PSL) to your MoneyHandler/
Checking or Regular Shares.
These are the Money Access Center services currently available through the
HONOR System network, Other services may be offered In the future.
OTHER ATM NETWORK ACCESS - From time to time, PSECU may make
arrangements with other ATM networks to grant 3Fcess to Money Access Cards.
PSECU shall inform you when such arrangementf are made and describe the
services that are available to you. Any charges will also be described.
PURCHASE TRANSACTIONS - You may use the Money Access Card to purchase
goods and services (-Purchase) at any relail establishment ("Merchant-) where
Money Access Cards are accepted by such Merchant. The amount of all such
Purchases will be deducted from your MoneyHandler/Checking Shares. When
you make a Purchase using the Money Access Card, you will be requesting
PSECU to withdraw funds from your MoneyHandler/Checking Shares in the _
amount of the Purchase and directing PSECU to pay these funds to such
Merchant.
NOTE: When using a WSA(MAC cans to purchase goods and services of any
recall establishment, your purchases will be charged to your VISA account.
LIMITATIONS ON THE USE OF YOUR MONEY ACCESS CARD -You maywithdraw
up to $300 per day from one or a combination of your accounts by using a Money
Access Card provided the funds available at a Money Access Center, PLUS
System or HONOR ATM. In addition, you may withdraw up to $300 at point of
sale locations. The day for vriihdrawal limits starts al 12 midnight each day and
ends at 12 midnight th next day. For security purposes, [here are also certain
daily limitations on [he frequency of use of the Money Access Card. However,
these limitations are not revealed for security reasons. The Pennsylvania State
Employees Credit Union is not obliged to maintain such limitations.
You win be denied use of your Money Access Card if you exceed the daily
withdrawal/purchase limit, 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 honey Access Center,
PLUS System or HONOR 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 your Money Access Card. The number of
attempts that result in machine retention is not revealed for security purposes.
CHARGES FOR TRANSACTIONS - There are no charges for PSECU Money
Access Card transactions of $20 or over. A penalty charge of 50 cents will be
imposed for each cash disbursement transaction (loan advance or share
withdrawal) that is less than $20. PSECU does reserve the right to impose and
change a fee schedule from time to time and to charge your account in
accordance with the fee schedule that will be provided to you at least twenty-one
(21) days prior to the imposition or change in assessment.
ADDITIONAL DEPOSIT INFORMATION • Deposits made at Money Access Centers
are posted to your account(s) according to the rules and regulations of those
account(s) and PSECU's funds availability policies, which are contained in our
disclosure statement required under the Expedited Funds Availability Act
CEFAAj. A copy of this statement has been provided to you or is available upon
request. You may not deposit any foreign currency All deposited items are
removed from the Money Access Center before 3 p.m. each business day.
_ecrscrrc Finds Tanslcv !d,:C_Ar reemenr and Re. u/aflon -F- Disclosure
{CGr L'n UCrf,)
i
TLu Er•irioyees Credit U-tron reserves the righd to venhy ale
items so deposiled ;;etore such funds are made available to you. f-:ov.-ever. you
.. ay vaE.';dra'•% against t^e amount depcsiled up to a maxintu:m of 100 percent of
i,c deres:! o 5300, v.h.chever is YJhen all of the deposited funds become
a'+a you nay wittdra:+ agair,s' the entire amount deposited up to $300.
You may deliver cash, checks, and other items at most tdoney Access Centers
located in Pennsylvania, New Jersey and Delaware for transmission to us for
deposit in your accocnt(s) Ilowcver, some Money Access Centers may not
accept such items for deposit and certain other Money Access Centers may limit
the amount of funds you deliver for transmission to PSECU for deposit in your
accounts. You may not deliver such items at Money Access Centers located in
Maryland, New York or West Virginia. If the amount of the funds contained in your
deposit envelope differs by more Than S 1 from the amount you have indicated to
the Money Access Center, PSECU will adjust your accounl(s) to reflecl the
amount received and advise you of any difference.
RECORD OF TRANSACTION - You will receive a printed receipt at the lime of the
transaction for each Whey Access Cerder, PLUS System. or HONOR ATM, or
Purchase transaction that you make. You will receive a monthly statement
showing the status of your account(s), transactions made during The past
month, and any penalties or charges PSECU may impose for such services or
transactions
LIABILITY FOR UNAUTHORIZED TRANSFERS -Contact PSECUor the Money
Access Service immediately if you believe your Money Access Card or Personal
Identification Number (PIN) has been lost or stolen. Telephoning PSECU at
(717) 234.8484 in Harrisburg, (800) 237-7328 Nationwide, (717) 777.2100
(TDD) in Harrisburg, (800) 472.1967 (TOO) Nationwide during business hours
or Money Access Service at (800) 222-2781 in Pennsylvania, or (800) 523.4175
in other states is the best way to keep your losses to a minimum.
You could lose all your money in the accounl(s) if you take no action to nolity
PSECU of the loss of your Money Access Card or PIN. If you notify PSECU of the
loss, your liability is as follows;
(a) If you contact PSECU within two business days of the loss or
your discovery of the loss, you can lose no more than $50, if
someone used your Money Access Card and Personal
Identification Number (PIN) without your permission.
(b) If you do not contact PSECU within two business days after you
learn of the loss, and PSECU can prove that it could have
prevented the loss d you had contacted PSECU, you could lose
as much as $500 if someone used your Money Access Card
and Personal Identification Number (PIN) without your
permission.
(c) If your monthly statement shows transactions or purchases
that you did not make and you do not contact PSECU within
60 days after the statement was mailed to you, may not
gel back any money lost if PSECU can prove that your contacting
us would have prevented those tosses.
Safeguard your Personal Identification Number (PIN). Do not [ell or disclose
your PIN to any other person, Do not write your PIN on your Money Access Card.
Do not keep a written record of your PIN near your Money Access Card.
BUSINESS DAYS - PSECUs business days are Monday through Friday.
Holidays are not included.
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR TRANSACTIONS -
Telephone PSECU at (717) 234-8484, (800) 237- 7328, (717) 777.2100 (TDO),
(800) 472-1967 or write PSECU al:
Pennsylvania Stale Employees Credit Union
PO Box 67013
Harrisburg, Pennsylvania 17106-7013
as soon as you can if you think your statement or receipt is wrong, or if you need
more information about a transaction listed on the statement or receipt. PSECU
must hear from you no later than 60 days after it sent you the first statement on
which the problem or error appeared. You must provide the following
(a) Your name, account number, and Money Access Card number:
(b) Describe the error or the transaction you are unsure aboul, and
explain as clearly as you can why you believe it is an error or wiry
you need more information, and
(c) The dollar amount of Ilse suspected error.
If you tell PSECU orally, you roust send your complaint or question in writing
wdnin 10 business days. PSECU will fell you the results of the investigation
within 10 business days for Money Access Center, PLUS System or HONOr±
transactions, or 20 business days for Purchase transactions after PSECU hears
from you. Any error vvill be corrected promptly. N PSECU needs more time, it
may take up to 45 days for Money Access Center, PLUS System or HONOR
transactions or 90 days for Purchase transactions to investigate your Complaint
or question. If PSECU decidus to do this, it will recredil your account within 10
business days if N is a Money Access Center, PLUS System or HONOR
transaction, or 20 business days if it is a Purchase transaction for the amount
you think is in error. You will have the use of the money during the lime 0 takes to
complete the investigation. If PSECU does not receive your complaint or
question in wriling within 10 business days, PSECU may not recredd your
account.
It PSECU decides there is no error, you will be advised within three business
days alter the Investigation is completed. You may ask for copies of the
documents PSECU used in the investigation. N PSECU credits your account
with funds while investigating an error, you roust repay those funds d PSECU
concludes no error has occurred.
DISCLOSURE OF ACCOUNT INFORMATION - PSECU will disclose information
aboul your account or the transactions you make to third parties'
(a) where it is necessary to complete transactions,
(b) to verify the existence and standing of your account with PSECU
upon the request of a third party, such as a credit bureau;
(c) to comply with government agency or court orders;
(d) in accordance with your written permission;
(e) to comply with government of administrative agency summonses,
subpoenas or orders, or court orders, and
(Q on reeo[pt of certification from a Federal agency or department
that a request for information is in compliance wilh the Right to
Financial Privacy Act of 1976.
PSECU's LIABILITY FOR FAILURE TO COMPLETEAN ELECTRONIC FUND
TRANSFER TRANSACTION - If PSECU fails to complete a transaction on lime or
in the correct amount, when properly instructed by you, PSECU will be liable for
damages caused by cur failure unless:
(a) there are insufficient funds in your account to complete the
transaction through no fault of PSECU;
(b) the funds in your account are uncollected;
(c) the funds in your account are subject to legal process;
(d) the transaction you request would exceed the funds in your
account plus any available overdraft credit,
(e) the Money Access Center, PLUS System or HONOR ATM has
insufficient cash to complete the transaction;
(f) your card has been reported lost or stolen and you are using Ilia
reported card;
(g) PSECU has reason to believe that the transaction requested
is unauthoF? zed;
01) the failure i5 due to an equipment breakdown that you know
about when you started the transaction at the Money Access
Center, PLUS System or HONOR ATM, or Merchant terminal;
f) the failure was caused by an act of God, fire, or other catastrophe,
or by an electrical or computer failure or by another cause
beyond control:
(j} it you attempt to complete a transaction at a Money Access Canter,
PLUS System or HONOR ATM, or Merchant terminal that is not a
permissible transaction listed above; or
(k) the transaction would exceed security limitations on the use of
your Money Access Card.
In any case, PSECU shall only be liable for actual proven damages if the failure
to make the transaction resulted from a bona Fide error despite PSECU's
procedures to avoid such errors.
VISA LOAN - PERSONAL SERVICE LOAN (PSL) INFORMATION
FINANCE CHARGE: ANNUAL PERCENTAGE RATE - 1407o
DAILY PERIODIC RATE -.00038356
Finance charges begin to accrue upon the date each loan advance
is processed. No period exists during which loan advances may be
repaid without incurring a finance charge.
The single daily periodic rate that we use to compute the finance
charge on your entire unpaid balance is .00038356 which is an
ANNUAL PERCENTAGE RATE OF 14%.
We figure the finance charge on your account for any payment by
applying the periodic rate to the "unpaid loan balance' after the previous
payment was made. This gives you the interest for one period (day). We
then multiply the interest for one period (day) by the number of periods
(days) which have elapsed since the last finance charge was applied.
The balance used to compute the finance charge is the actual
unpaid balance each day after credits are subtracted and new advances
are added.
The following chart gives examples of the finance charge when paid
according to the VISA LOAN SCHEDULE:
TOTAL
LOAN MONTHLY LAST TOTAL OF FINANCE
BALANCE PAYMENTS PAYMENT PAYMENTS CHARGE
12,500 102 @ 210 51.08 21,471.08 8,971.08
12,000 103 @ 200 165.13 20,765.13 8,765.13
11,500 100 @ 195 88.18 19,588.18 8,088.18
11,000 97 @ 190 6.80 18,436.80 7,436.80
10,500 93 @ 185 106.83 17,311.83 6,811.83
10,000 90 @ 180 12.66 16,212.66 6,212.66
9,500 91 @ 170 1.60 15,471.60 5,971.60
9,000 87 @ 165 37.86 14,392.86 5,392.86
8,500 88 @ 155 6.68 13,646.68 5,146.68
8,000 88 @ 145 142.08 12,902.08 4,902.08
7,500 84 @ 140 80.39 11,840.39 4,340.39
7,000 80 @ 135 10.30 10,810.30 3,810.30
6,500 75 @ 130 63.05 9,813.05 3,313.05
6,000 70 @ 125 97.91 8,847.91 2,847.91
5,500 65 @ 120 115.76 7,915.76 2,415.76
5,000 61 @ 115 1.82 7,016.82 2,016.82
4,500 55 @ 110 101.70 6,151.70 1,651.70
4,000 54 @ 100 19.29 5,419.29 1,419.29
3,500 52 @ 90 11.05 4,691.05 1,191.05
3,000 49 @ 80 48.21 3,968.21 968.21
2,500 46 @ 70 32.68 3,252.68 752.68
2,000 42 @ 60 27.33 2,547.33 547.33
1,500 37 @ 50 6.76 1,856.76 356.76
1,000 29 @ 40 28.98 1,188.98 188.98
500 18 9 30 19.09 599.09 59.09
VISA LOAN M NIMUM MONTHLY PAYh1ENT SCHEDULE
LOAN LOAN LOAN IRAN
BALANCE PAYMENT BALANCE PAYMENT
0-500 $30.00 6001-6500 5130.00
501-1000 40.00 6501-7000 135.00
1001-1500 50.00 7001-7500 140.00
1501-2000 60.00 7501-8000 145.00
2001-2500 70.00 8001-8500 155.00
2501-3000 80.00 8501-9000 165.00
3001-3500 90.00 9001-9500 170.00
3501-4000 100.00 9501-10000 180.00
4001-4500 110.00 10001-10500 185.00
4501-5000 115.00 10501-11000 190.00
5001-5500 120.00 11001-11500 195.00
5501-6000 125.00 11501-12000 200.00
12001-12500 210.00
The following chart gives examples of the Finance Charge when paid
according to the PSL SCHEDULE:
TOTA L
LOAN MONTHLY LAST TOTAL OF FINANCE
BALANCE PAYMENTS PAYMEN T PAYMENTS CHARGE
12,500 102 @ 210 51.08 21,471.08 8,971.08
10,000 90 @ 180 12.66 16,212.66 6,212.66
7,500 84 @ 140 80.39 11,840.39 4,340.39
5,000 61 @ 1.15 1.82 7,016.82 2,016.82
3,500 52 @ 90 11.05 4,691.05 1,191.05
2,500 46 @ 70 32.68 3,252.68 752.68
1,000 19 @ 60 38.27 1,118.27 118.27
PSL MINIMUM PAYMENT SCHEDULE
LOAN BALANCE AT TIME MINIMUM PAYMENT
OF WAN ADVANCE MONTHLY BIWEEKLY
s10,ooo.ol to $12,500.00
7,500.01 to 10,000.00
5,000.01 to 7,500.00
3,500.01 to 5,000.00
2,500.01 to 3,500.00
I ,000.01 to 2,500-00
up to 1,000.00
$210.00 5105.00
180.00 90.00
140.00 70.00
120.00 60.00
100.00 50.00
70.00 35.00
60.00 30.00
FIRST PAYMENT
Your first payment is due and payable 30 days from the date of
loan advance.
I.I. 3190 FORM 581
Visa Statement of Account Page
PSEC#
1 V
PAYMENT NEW MINIMUM PLEASE ENTER
ACCOUNT NUMBER DUE DATE BALANCE PAYMENT AMOUNT OF
PAYMENT ENCLOSED
0202425584 04/25/9 $3,870.02 $78.00
17104-2009 GRACE PERIODS: TO AVOID ADDITIONAL
DAVID J LEACH FINANCE CHARGES ON PURCHASES PAY THE
NEW BALANCE BY PAYMENT DUE DATE.
2328 BERRYHILL ST
HARRISBURG PA 17104-2009
TO REPORT A LOST OR STOLEN CARD CALL: 0202425584 309 0387002 0007800 0000000 9
234-8484 OR 1-800-237-7328 MONDAY THROUGH FRIDAY 8:00 AM - 4:00 PM:
AFTER HOURS, HOLIDAYS AND WEEKENDS CALL 1-800-556-5678
ACCOUNT
NUMBER SETTLEMENT
DATE DATEN
PERIOD NEW
BALANCE AMOUNT
PAST DUE MINIMUM
PAYMENT DUE PAYMENT
DUE DATE
0202425584 03/31/96 31 $3,870.02 $0.00 $78.00 04/25/96
CONSOLIDATION IS THE KEY
ASK ABOUT PSECU'S VISA
POST CHARGE REFERENCE NUMBER CON' TENIEN CE CUM M'TWMACTIVITY AMOUNT
DATE DATE
0306 0305 7469216EH0008E04Q5964 PARSONS TECHNOLOGY 319-395-9626 I -16.00
0314 0312 7416867ET748ZLZLX4816 PRODIGY SRVS *00101055 WHITE PLAINS NY -1.36
0324 0322 2469216F2002WRJGL5964 CB * CHIPS & BITS GAME 802-767-3033 VT 58.00
0324 0323 2483100F4WGW53Q4K4816 CONCENTRIC NTWRK CORP BAY CITY MI 19.95
0325 AUTOMATIC TRANSFER -78.00
PREVIOUS PURCHASES DEBIT TOTAL FINANCE CREDIT LIMIT
BALANCE PAYMENT CREDITS + !ADVANCES + ADJUSTMENTS CHARGE N NEW BALANCE SUMMARY
PURCHASES 3f855.92 78.00 17.36 77.95 0.00 31.51 3,870.02
ADVANCES 0.00 0.00 0.00 0.00 0.00 0.00 0.00
36
00 17
92 78
3
855 77
95 0.00 31.51 3,870.02 5,250.00
TOTAL .
.
,
. .
NDENNAL PERCENTAGE RATE MONTHLY AVERAGE
ANNUAL ANNUAL PENCO C • DART •
EAM PERIODIC
FN E CHARM TRANSACTION TOTAL
. FNANCE CHARGE • -CE CHARGE
PURCHASES 09.900 09.899 0.8250°% 3,819.67 31.51 0.00 31.51 VISA BALANCE -3,870.02
000 1.0750% 0.00
12
900 00 0.00 0.00 0.00 PSL BALANCE -1,300.42
ADVANCES .
. 31.51 0.00 31.51 AVAILABLE 79.56
TOTAL
Visa Statement of Account Page 1 V
PSEC#
ACCOUNT NUMBER PAYMENT
DUE DATE NEW
BALANCE MINIMUM
PAYMENT PLEASE ENTER
AMOUNTOF
PAYMENT ENCLOSED
0202425584 05/25/9 $3,877.28 $78.00
17104-2009
DAVID J LEACH
2328 BERRYHILL ST
HARRISBURG PA 17104-2009
GRACE PERIODS: TO AVOID ADDITIONAL
FINANCE CHARGES ON PURCHASES PAY THE
NEW BALANCE BY PAYMENT DUE DATE.
TO REPORT A LOST OR STOLEN CARD CALL: 0202425584 309 0387728 0007800 0000000 2
234-8484 OR 1-800-237-7328 MONDAY THROUGH FRIDAY 8:00 AM - 4:00 PM;
AFTER HOURS, HOLIDAYS AND WEEKENDS CALL 1-800-556-5678
ACCOUNT
NUMBER SETTLEMENT
DATE DATE.
PERIOD NEW
BALANCE AMOUNT
PAST DUE MINIMUM
PAYMENT DUE PAYMENT
DUE DATE
0202425584 04/30/96 30 $3,877.28 $0.00 $78.00 05/25/96
CONSOLIDATION IS THE KEY
ASK ABOUT PSECUIS VISA
POST CHARGE REFERENCE NUMBER O ENI N E ja)&CTIVITY AMOUNT
DATE DATE
0331 0328 2461044F913VR1A745542 SUNOCO 03631 HARRISBURG PA 6.61
0415 0411 2445501FNHRFXY75E5541 FLYING J/CFJ CARLISLE P 8.03
0416 0413 2445501FRHRMWMJG15541 FLYING J/CFJ CARLISLE P 9.42
0421 0418 2461044FY13VRlMW95542 SUNOCO 03631 HARRISBURG PA 9.47
0423 0423 2483100G2WGW53HD24816 CONCENTRIC NTWRK CORP BAY CITY MI 19.95
0425 AUTOMATIC TRANSFER -78.00
PREVIOUS PURCHASES DEBIT TOTAL FINANCE CREDIT LIMIT
BALANCE PAYMENT CREDITS + /ADVANCES + ADJUSTMENTS CHARGE.- NEW BALANCE SUMMARY
PURCHASES 3, 870.02 78.00 0.00 53.48 0.00 31.78 3,877.28
ADVANCES 0.00 0.00 0.00 0.00 0.00 0.00 0.00
TOTAL 3,870.02 78.00 0.00 53.48 0.00 31.78
"RONL PEMCENTAOR RATE IRORTIIY AVERAGE PERIODIC 3,877.28 6,250.00
TRANSACTION TOTAL
ANNUAL ANNUAL PERMC . ONLY . P.ANCE CHARGE • FWANCE CHARGE • PRIANCECNMGE
EALAMC[
PURCHASES 09. 900 09.896 0.825016 3,853.29 31.78 0.00 31.78 VISA BALANCE -3,877.28
ADVANCES 12 • 900 00.000 1 . 0750% 0.00 0.00 0.00 0.00 PSL BALANCE -1,274.35
TOTAL 31.78 0.00 31.78 AVAILABLE 1,098.37
1 V
Visa Statement of Account Page
PAYMENT NEW MINIMUM PLEASE ENTER
ACCOUNT NUMBER DUE DATE BALANCE PAYMENT AMOUNT OF
PAYMENT ENCLOSED
0202425584 02/25/9 $4,345.33 $87.00
17104-200928 GRACE PERIODS: TO AVOID ADDITIONAL
DAVID J LEACH FINANCE CHARGES ON PURCHASES PAY THE
NEW BALANCE BY PAYMENT DUE DATE.
2328 BERRYHILL ST
HARRISBURG PA 17104-2009
TO REPORT A LOST OR STOLEN CARD CALL: 0202425584 309 0434533 0008700 0000000 8
234-8484 OR 1-800-237-7328 MONDAY THROUGH FRIDAY 8:00 AM - 4:00 PM;
AFTER HOURS, HOLIDAYS AND WEEKENDS CALL 1-800-556-5678
ACCOUNT
NUMBER SETTLEMENT
DATE "ysN
FIRM NEW
BALANCE AMOUNT
PAST DUE MINIMUM
PAYMENT DUE PAYMENT
DUE DATE
0202425584 01/31/97 31 $4,345.33 $0.00 $87.00 02/25/97
CONSOLIDATION IS THE KEY
ASK ABOUT PSECUIS VISA
POST CHARGE REFERENCE NUMBER NV NI ENCE CH I 7UVACTIVITY AMOUNT
DATE DATE
0107 0105 2442811070E5H87SX4816 NETCOM 408-881-1815 C 21.15
0125 AUTOMATIC TRANSFER -88.00
PREVIOUS PURCHASES DEBIT TOTAL FINANCE CREDIT LIMIT
BALANCE PAYMENT CREDITS + /ADVANCES + ADJUSTMENTS CHARGE - NEW BALANCE SUMMARY
PURCHASES 4, 376.33 88.00 0.00 21.15 0.00 35.85 4,345.33
ADVANCES 0.00 0.00 0.00 0.00 0.00 0.00 0.00
TOTAL 4,376.33 88.00 0.00 21.15 0.00 35.85 4,345.33 6,250.00
NONNNL FERCENTAOE RATE
ANNUAL ANNUAL NORM,
FERCOC AVERAGE FERCOC
MAT • FRNNCECHAROE ?
EALANCE TRANEA"ON
FEUINCE CNARCE • TOTAL
FNANCECHAROE
PURCHASES 09.900 09.899 0.8250% 4,345.71 35.85 0.00 35.85 VISA BALANCE -4,345.33
ADVANCES 12.900 00.000 1.0750% 0.00 0.00 0.00 0.00 PSL BALANCE -1,660.53
35.85 0.00 35.85 AVAILABLE 244.14
TOTAL
Visa Statement of Account Page
I A i(Ily
1 V
PAYMENT NEW MINIMUM PLEASE ENTER
ACCOUNT NUMBER DUE DATE BALANCE PAYMENT AMOUNT OF
PAYMENT ENCLOSED
0202425584 03/25/9 $4,367.01 $88.00
17104-200928 GRACE PERIODS: TO AVOID ADDITIONAL
DAVID J LEACH FINANCE CHARGES ON PURCHASES PAY THE
NEW BALANCE BY PAYMENT DUE DATE.
2328 BERRYHILL ST
HARRISBURG PA 17104-2009
TO REPORT A LOST OR STOLEN CARD CALL: 0202425584 309 0436701 0008800 0000000 7
234-8484 OR 1-800-237-7328 MONDAY THROUGH FRIDAY 8:00 AM - 4:00 PM;
AFTER HOURS, HOLIDAYS AND WEEKENDS CALL 1-800-556-5678
ACCOUNT
NUMBER SETTLEMENT
DATE DAYS.
Pa." NEW
BALANCE AMOUNT
PAST DUE MINIMUM
PAYMENT DUE PAYMENT
DUE DATE
0202425584 02/28/97 28 $4,367.01 $0.00 $88.00 03/25/97
CHECK OUT OUR WEB SITE FOR
THE LASTEST INFORMATION AT
POST CHARGE REFERENCE NUMBER HT P : WWW . P F ACTIVITY AMOUNT
DATE DATE
0204 0202 24435651202SQFS275734 MAINSTREAM AMERICA INC OLD FORGE P 41.34
0212 0211 24428111BOE5V80QT4816 NETCOM 408-881-1815 C 21.15
0216 0212 24455011BLG4ANF7J5541 FLYING J/CFJ CARLISLE P 10.25
0225 AUTOMATIC TRANSFER -87.00
PREVIOUS PURCHASES DEBIT TOTAL FINANCE CREDIT LIMIT
BALANCE PAYMENT CREDITS • /ADVANCES * ADJUSTMENTS CHARGE s NEW BALANCE SUMMARY
PURCHASES 4, 345.33 87.00 0.00 72.74 0.00 35.94 4,367.01
ADVANCES 0.00 0.00 0.00 0.00 0.00 0.00 0.00
TOTAL 4,345.33 87.00 0.00 72.74 0.00 35.94 4,367.01 7,250.00
NOMNAL PERCENTAGE RATE MONTHLY
ANNUAL ANNUAL PERIODIC AVERAGE PERODIC
• DAILY • FINANCE CHARGE ?
EALANCE TRANSACTNN
FINANCECHARGE • TOTAL
F.ANCECNARGE
PURCHASES 09.900 09.899 0.8250% 4,356.68 35.94 0.00 35.94 VISA BALANCE -4,367.01
ADVANCES 12 • 900 00.000 1.075096 0.00 0.00 0.00 0.00 PSL BALANCE -1,638.65
35.94 0.00 35.94 AVAILABLE 1,244.34
TOTAL
Visa Statement of Account Page
1 V
PAYMENT NEW MINIMUM PLEASE ENTER
ACCOUNT NUMBER DUE DATE BALANCE PAYMENT AMOUNT OF
PAYMENT ENCLOSED
0202425584 01/25/9 $4,680.98 $134.52
17104-200928 GRACE PERIODS: TO AVOID ADDITIONAL
DAVID J LEACH FINANCE CHARGES ON PURCHASES PAY THE
NEW BALANCE BY PAYMENT DUE DATE.
2328 BERRYHILL ST
HARRISBURG PA 17104-2009
TO REPORT A LOST OR STOLEN CARD CALL: 0202425584 309 0468098 0013452 0000000 4
234-8484 OR 1-800-237-7328 MONDAY THROUGH FRIDAY 8:00 AM - 4:00 PM;
AFTER HOURS, HOLIDAYS AND WEEKENDS CALL 1-800-556-5678
ACCOUNT
NUMBER SETTLEMENT
DATE DAYEW
PERIOD NEW
BALANCE AMOUNT
PAST DUE MINIMUM
PAYMENT DUE PAYMENT
DUE DATE
0202425584 12/31/97 31 $4,680.98 $40.52 $134.52 01/25/98
USE THE SST TO MAKE YOUR
VISA PAYMENTS 24 HOURS/DAY.
POST CHARGE REFERENCE NUMBER DESCRIPTION OF ACTIVITY AMOUNT
DATE DATE
1216 1213 2445501AVMQEAE11J5541 FLYING J/CFJ CARLISLE P 9.05
1225 AUTOMATIC TRANSFER -53.48
PREVIOUS PURCHASES DEBIT TOTAL FINANCE CREDIT LIMIT
BALANCE PAYMENT CREDITS • /ADVANCES + ADJUSTMENTS CHARGE - NEW BALANCE SUMMARY
PURCHASES 4, 687.05 S3.48 0.00 9.05 0.00 38.36 4,680.98
ADVANCES 0.00 0.00 0.00 0.00 0.00 0.00 0.00
TOTAL 4,687.05 53.48 0.00 9.05 0.00 38.36 4,680.98 7,250.00
NOIEMAL FERCENTAGERATE
ANNUAL ANNUAL MONTHLY
PERIODIC AVERAGE
• DAILY •
BALANCE PER-00-C
FNANCE CHARGE . TRANSACTION
FINANCE CHARGE • TOTAL
FWANCE CHARGE
PURCHASES 09.900 09.899 0.8250 4,649.73 38.36 0.00 38.36 VISA BALANCE -4,680.98
ADVANCES 12. 900 00.000 1.075096 0.00 0.00 0.00 0.00 PSL BALANCE -2,344.67
38.36 0.00 38.36 AVAILABLE 224.35
TOTAL
Visa Statement of Account Page
PSEC#
1 V
PAYMENT NEW MINIMUM PLEASE ENTER
ACCOUNT NUMBER DUE DATE BALANCE PAYMENT AMOUNT OF
PAYMENT ENCLOSED
0202425584 02/25/9 $4,584.56 $92.00
17104-200928 GRACE PERIODS: TO AVOID ADDITIONAL
DAVID J LEACH FINANCE CHARGES ON PURCHASES PAY THE
NEW BALANCE BY PAYMENT DUE DATE.
2328 BERRYHILL ST
HARRISBURG PA 17104-2009
TO REPORT A LOST OR STOLEN CARD CALL: 0202425584 309 0458456 0009200 0000000 0
234-8484 OR 1-800-237-7328 MONDAY THROUGH FRIDAY 8:00 AM - 4:00 PM;
AFTER HOURS, HOLIDAYS AND WEEKENDS CALL 1-800-556-5678
ACCOUNT
NUMBER SETTLEMENT
DATE CA"N
PEP" NEW
BALANCE AMOUNT
PAST DUE MINIMUM
PAYMENT DUE PAYMENT
DUE DATE
0202425584 01/31/98 31 $4,584.56 $0.00 $92.00 02/25/98
USE THE SST TO MAKE YOUR
VISA PAYMENTS 24 HOURS/DAY.
POST CHARGE REFERENCE NUMBER DESCRIPTION OF ACTIVITY AMOUNT
DATE DATE
0101 AUTOMATIC TRANSFER -40.52
0125 AUTOMATIC TRANSFER -94.00
PREVIOUS PURCHASES DEBIT TOTAL FINANCE CREDIT LIMIT
BALANCE PAYMENT CREDITS + /ADVANCES + ADJUSTMENTS CHARGE - NEW BALANCE SUMMARY
PURCHASES 4, 680.98 134.52 0.00 0.00 0.00 38.10 4,584.56
ADVANCES 0.00 0.00 0.00 0.00 0.00 0.00 0.00
98
4
680 134
52 0
00 00
0 0.00 38.10 4,584.56 8,250.00
TOTAL ,
. . . .
NOMVML F MCENTAGEMTE
ANNUAL ANNUAL MOMMIV
PEpOOIC AVEIIAOE
• DAAY •
EALANCE PERIODIC
F CE CNAMGE . TMNEACTIOM TOTAL
FMAMCE CNAROE • FW CE CN 09
PURCHASES 09.900 09.897 0. 8250°% 4,619.23 38.10 0.00 38.10 VISA BALANCE -4,584.56
12
900 00
000 1.0750% 0.00 0.00 0.00 0.00 PSL BALANCE -2,460.67
ADVANCES .
. 38.10 0.00 38.10 AVAILABLE 1,204.77
TOTAL
PSECOO
MEMBER NUMBER
11
Visa Statement of Account
AMOUNT PAST DUE CURRENT AMOUNT
I
IN PAYMENT
DUE
0.00 20.00 20.00
DAVID J LEACH
2328 BERRYHILL ST
HARRISBURG PA 17104-2009286
MEMBER NUMBER STATEMENT
DATE
12/31/04
ID 09 VISA LOAN
Post Tran Reference
1225
- Visa Now Selene* PSL N- Bale me
128.13 0.00
Duo Date statement Date
01/25/05 12/31/04
Page 1
CREDIT LIMIT TOTAL VISA NEW TOTAL PSL NEW UNUSED CREDIT
BALANCE: BALANCE AVAILABLE
8250.00 128.13 8092.28 29.59
Description
Payment Transfer From Share 04
YTD Finance Charge: Year to Date
6.62
Amount
20.00-
PREVIOUS BALANCE PAYMENTS CREDITS, r CASH ADV DEBIT ADJUSTMENTS CHARGE NEW BALANCE
PURCHASES 0.00 0.00 0.00 0.00 0.00 0.00 0.00
"
.
DV
6E 146.62 20.00 0.00 0.00 0.00 1.51 128.13
.
A
AN
S
MONTHLY PERIODIC DAYS IN
AVG DAILY BALANCE FINANCE CHARGE
ANNUAL PERCENTAGE RATE RATE CYCLE: PERIODIC TRANSACTION TOTAL
PURCHASES
9.900°%
0.82500%
31
0.00
0.00
0.00
0.00
ADVANCES 12.900°% 1.07500% 31 140.78 1.51 0.00 1.51
11
PSECO
tlra /inane-i:rl !ink•..
MEMBER NUMBER
Visa Statement of Account
AMOUNT PAST DUE CURRENT AMOUNT MIN PAYMENT
DUE
0.00 20.00 20.00
Visa Now Balance PSL New NaWnM -
109.45 0.00
Duo Data
>
Statement Date
02/25/05 01/31/05
DAVID J LEACH
2328 BERRYHILL ST
HARRISBURG PA 17104-2009286
MEMBER NUMBER STATEMENT' -
DATE
01/31/05
ID 09 VISA LOAN
Post Tran Reference
0125
Page 1
j -7
TOTAL VISA NEW TOTAL PSL NEW UNUSED.CREDIT
CREDIT LIMIT
BALANCE ' BALANCE AVAILABLE,-.
9250.00 109.45 7994.83 1145.72
Description Amount
Payment Transfer From Share 04 20.00-
YTD Finance Charge: Year to Date
YTD Finance Charge: In 2004
1.51
6.62
PREVIOUS BALANCE PAYMENTS - CREDITS +
CASH ADV DEBIT ADJUSTMENTS
CHARGE NEW BALANCE '
PURCHASES 0.00 0.00 0.00 0.00 0.00 0.00 0.00
128.13 20.00 0.00 0.00 0.00 1.32 109.45
AovnNCFs
MONTHLY PERIODIC DAYS IN AVG DAILY BALANCE FINANCE CHARGE
ANNUAL PERCENTAGE RATE RATE CYCLE, PERIODIC TRANSACTION TOTAL
PURCHASES
9.900%
0.82500%
31
0.00
0.00
0.00
0.00
ADVANCES 12.900°% 1.07500% 31 122.44 1.32 0.00- 1.32
Pstf?
May 23, 2008
DAVID J. LEACH
527 WALNUT STREET 30
LEMOYNE, PA 17043-1547
Dear MR. LEACH:
We are terminating your PSL/VISA line of credit because of a delinquent loan obligation.
Additionally, your other services with PSECU have been terminated.
Your VISA and Check cards are invalid and will be retained if used after May 23, 2008.
We will not honor checks after May 22, 2008.
If you have any concerns or questions, call 800.237.7328 nationwide or 717.234.8484 in
Harrisburg. At the menu prompt, enter 6 then ext. 3120.
Sincerely,
Roxann Myers
Service Advisor
Member Services
Pennsylvania State Employees Credit Union
Main Address: 1 Credit Union Place, Harrisburg, PA 17110-2990 • 717.234.8484 • 800.237.7328
Mailing Address: P.O. Box 67013, Harrisburg, PA 17106-7013 • 717.777.2100 (TDD) • 800.472.1967 (TDD)
psecu.corn
This credit union is federally insured by the National Credit Unlon Administration. Eq.ral Opportunity lender
EXJWT? J)
PSKO
08/26/2008
DAVID J LEACH
527 WALNUT ST,
LEMOYNE, PA 17043-1547
Dear DAVID J LEACH:
PSECU has made several attempts to contact you and to negotiate suitable payment arrangements. We
received no response. Your Visa is 154 days past due!
This is your final notice. Unless we receive the payment amount of $822.00 by September 10, 2008, we
may refer your account to our Legal Review Committee.
If this occurs, a judgment maybe entered and executed against you. All court costs and fees will be added
to your loan balance. If we do not take legal action and payments are not received, we will charge off your
account. You will still be responsible for the balance. In either case, your status will be reported to all
national credit bureaus.
This is a serious situation that requires your immediate attention.
If you cannot make the full payment, we are willing to negotiate a reasonable payment schedule that fits
your needs. Call me today to see if we can resolve this situation.
I can be reached at 234-8484 in Harrisburg or call our toll-free number, (800) 237-7328. At the menu
prompt, enter 6 then extension 3120. We are open from 8 a.m. to 5 p.m. Monday through Friday and 8 a.m.
to noon on Saturday.
Sincerely,
Ca /- 7\ r? ?Y Roxann Myers
Account Advisor
Pennsylvania State Employees Credit Union
Main Address: 1 Credit Union Place, Harrisburg, PA 17110-2990 • 717.234.8484 • 800.237.7328
Mailing Address: P.O. Box 67013, Harrisburg, PA 17106-7013 • 717.777.2100 (TDD) • 800.472.1967 (TDD)
psecu.com
This credit union is federally insured by the National Credit Union Administration. Equal Opportunity Lender
PSE(Ni
08/26/2008
DAVID J LEACH
527 WALNUT ST,
LEMOYNE, PA 17043-1547
Dear DAVID J LEACH:
PSECU has made several attempts to contact you and to negotiate suitable payment arrangements. We
received no response. Your PSL Suspended is 160 days past due!
This is your final notice. Unless we receive the payment amount of $360.00 by September 10, 2008, we
may refer your account to our Legal Review Committee.
If this occurs, a judgment may be entered and executed against you. All court costs and fees will be added
to your loan balance. If we do not take legal action and payments are not received, we will charge off your
account. You will still be responsible for the balance. In either case, your status will be reported to all
national credit bureaus.
This is a serious situation that requires your immediate attention.
If you cannot make the full payment, we are willing to negotiate a reasonable payment schedule that fits
your needs. Call me today to see if we can resolve this situation.
I can be reached at 234-8484 in Harrisburg or call our toll-free number, (800) 237-7328. At the menu
prompt, enter 6 then extension 3120. We are open from 8 a.m. to 5 p.m. Monday through Friday and 8 a.m.
to noon on Saturday.
Sincerely,
Roxann Myers
Account Advisor
Pennsylvania State Employees Credit Union
Main Address: 1 Credit Union Place, Harrisburg, PA 17110-2990 • 717.234.8484 • 800.237.7328
Mailing Address: P.O. Box 67013, Harrisburg, PA 17106-7013 • 717.777.2100 (TDD) • 800.472.1967 (TDD)
psecu.com
This credit union is federally insured by the National Credit Union Administration. Equal Opportunity Lender
Note #
Account # 0202425584
HOME EQUITY LINE OF CREDIT AGREEMENT/11 -7
Date (ii 111 ? r 1 I ? U? You may make advances until OC(. /7
A607
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION
P.O. BOX 67013
HARRISBURG, PA 17106-7013
Approved Line of Credit $ 21,700.00
Advance Minimum $ 500
Property Securing Account: 2328 Berryhill Street
Harrisburg, PA 17104
Access to Account
IRI Mail 191 Over the Counter
?X Telephone ? Other
In this Agreement, you and yours refers to the credit union, 1, me, and my
means each person whose request for a Home Equity Line of Credit Account
has been approved by you. Account means the Home Equity Line of Credit
Account Premises means the property securing this Account. 1 agree to the
following:
1. PROMISE TO PAY. I promise to pay you all amounts I borrow under
this Account, as well as all finance charges and other applicable costs. In
addition, if I permit someone else to use my Account, I am responsible to you
for repayment as if the advance were my own.
2. PAYMENTS. I can obtain advances of credit for five years (the draw
period). After the draw period ends, I will no longer be able to obtain credit
advances and 1 must repay the outstanding balance over ten years from the
date of the last draw. During both the draw and repayment periods, payments
will be due monthly. My minimum payment will equal the greater of $50, or
a dollar amount based on the principal balance as of the date of the last draw,
the current interest rate and a term of 120 months.
During the repayment period, my monthly minimum payment will
continue to be based upon the principal balance at the date of the last advance,
the current interest rate and a ten year term from the date of the last advance,
or $50, whichever is greater.
3. FINANCE CHARGE. The Annual Percentage Rate will be 1.500
percent above the highest prime rate as published in the Money Rates Table in
the last issue of the "Wall Street Journal" on the last day of the preceding
month but one. The rate change will be effective on the first day of the
month. The minimum Annual Percentage Rate is 6 percent. The maximum
Annual Percentage Rate is 21 percent. Computing how much interest will be
taken from each loan payment is easy. You start by multiplying any unpaid
loan balance by the daily factor to give you the interest charge for one day.
To determine the daily factor, divide the current interest rate by 365 days and
carry the answer eight decimal places.
The interest charge for one day is then multiplied by the number of days
since the last payment. An example of an interest calculation is shown below
based on a 9 percent interest rate.
Loan Balance = $5,000
Number of Days Since Last Payment = 31
$ 5,000 X .00024657534 =1.2328767 (daily interest charge)
1.2328767 X 31 = 38.22 (monthly interest charge)
Finance charges begin to accrue on the date the transaction is posted to my
account. The current periodic rate is .017123 % and the ANNUAL
PERCENTAGE RATE is 6.250 %. An increase in the annual percentage rate
will result in a higher minimum monthly payment.
The annual percentage rate includes only interest and not other costs
4. LATE CHARGE. If my minimum payment is not received by you within
fifteen (15) days of its due date, you may charge and I agree to pay a late
charge of 5 percent of the overdue payment.
5. YOUR OBLIGATIONS. You agree to honor all advances made against
my Account, up to my credit limit, for the term of this Agreement provided
that each advance shall be for an amount not less than Five Hundred
($500.00) Dollars. Your obligation is unconditional unless I am in default
under the Default Section of this Agreement.
6. CREDIT LIMIT. This Account will allow me to obtain up to the credit
limit established for my Account. I will not obtain as advance that will cause
my principal Account balance to exceed my approved credit limit. You may
refuse to make an advance for an amount which when added to my principal
Account balance exceeds my credit limit.
annual percentage rate substantially similar to the rate in effect at the time
the original index became unavailable. You may make a specified change
to the agreement if I specifically agree to it in writing at the time. You may
make an insignificant change to terms.
8. SECURITY INTEREST. As security for all sums due on this Account,
including any future advances, all of the owners of the Premises have
executed a mortgage in your favor. The mortgage evidencing this security
interest is incorporated by reference into this Agreement.
You waive any statutory lien you may have on share accounts I may have.
9. TAX DEDUCTIBILITY OF INTEREST. 1 acknowledge that I should
consult a tax advisor regarding the deductibility of interest and charges under
the plan.
10. INSURANCE. I promise to obtain homeowner's insurance which
includes protection for fire and other hazards in an amount acceptable to you.
This insurance protects your interest in the Premises when this Agreement is
in effect. I may obtain the property insurance from any insurance carrier of
my choice which is licensed to do business in the state in which the Premises
is located and which is acceptable to you. Timely payment of all applicable
taxes is also a condition of the Agreement. You may also require me to place
sums into escrow for taxes and insurance. Any proceeds of insurance which
you require me to obtain and any sums I may now or later pay into escrow for
taxes and insurance will also be security for all sums due on my Account.
11. SALE OF PROPERTY. If all or any part of the Premises or any interest
in it is sold or transferred (or if a beneficial interest in me is sold or transferred
and borrower is not a natural person) without your prior written consent, you
may, at your option, require immediate payment in full of all sums secured by
this Agreement. If I fail to pay these sums prior to the expiration of this
period, you may invoke any remedies permitted by this Agreement without
further notice or demand on me.
12. DEFAULT. In the event of default as defined herein you may refuse to
make advances to me, cancel my account, demand immediate payment of the
entire outstanding balance and take whatever legal action is permissible. The
following acts are events of default:
-- If I have committed any act of fraud or made a material
misrepresentation in connection with the plan either at the time of
application or during the term of this agreement;
- if I fail to make payments due under this agreement;
if I transfer title to or sell the property without your permission;
if I fail to keep the property insured;
if I fail to pay taxes on the property;
if I permit the filing of a lien senior to your lien or default on a senior
lien;
if I die;
- if I fail to maintain the property;
-- if the property is condemned by eminent domain.
The following acts will allow you to temporarily prohibit additional
extensions of credit or to reduce my credit limit:
-if the value of my property falls significantly below the appraised
value;
7. CHANGE IN TERMS. During any period on which the maximum
Annual Percentage Rate is reached you may prohibit additional extensions of -- if you reasonably believe I will be unable to make my payments due
to a material change in my financial circumstances;
credit or reduce the credit limit. You may change the index and margin used
under the plan if the original index is no longer available, and if the new index
and margin has an historical movement substantially similar to that of the - if l fail to meet any material obligation under this agreement;
original index, and the new index and margin would have resulted in an - if the APR reaches the maximum rate under the plan.
SEE REVERSE SIDE FOR INFORMATION AND NOTICE OF BILLING RIGHTS
Name David I Teach
r
HOME EQUITY LINE OF CREDIT AGREEMENT
(Continued)
13. COLLECTION COSTS. If you start collection proceedings to recover
the amounts I owe you, I agree to pay all of your reasonable and actual costs
and expenses. If you refer my Account to a lawyer for collection, I will pay
your attorney's fees plus court costs. A fiance charge at the contract annual
percentage rate will accrue on all sums I owe you until you receive payment
in full.
14. CANCELLATION AND EXPIRATION. I may cancel my Account at
any time by notifying you in writing. My request for cancellation will
become effective as soon as you can reasonably act upon the request. Once
my Account is cancelled or expires, I will not be permitted to make any
advances against the Account and 1 will continue to make payments under the
Payment Schedule Section of this Agreement until the Account is paid in full.
15. SUSPENSION AND TERMINATION. You can terminate my line of
credit, require me to pay you the entire outstanding balance in one payment
and charge me certain fees if
-1 engage in fraud or material misrepresentation in connection with
the line of credit;
-- I do not meet the repayment terns;
- my action or inaction inadversely affects the collateral or your rights
in the collateral.
You can refuse to make additional extension of credit or reduce my credit
limit if:
-- the value of the dwelling securing the line of credit declines
significantly below its appraised value for purposes of the line of credit;
-- you reasonably believe I will not be able to meet the repayment
requirements due to a material change in my financial circumstances;
I am in default of a material obligation in the agreement;
- government action prevents you from imposing the Annual Percentage
Rate provided for or impairs your security interest such that the value of
the interest is less than 120 percent of the credit line;
-- a regulatory agency has notified you that continued advances would
constitute an unsafe or unsound practice;
-- the maximum Annual Percentage Rate is reached.
16. ASSIGNMENT. I cannot assign my rights or obligations under this
Agreement.
17. IRREGULAR PAYMENTS/DELAY IN ENFORCEMENT. You can
accept late payments or partial payments without losing any of your rights
under this Agreement. You can also delay enforcing your rights under this
Agreement without losing them.
18. JOINT LIABILITY. If there is more than one signer each will be
personally liable, separate and together, for all advances against this Account,
plus finance charges and other applicable costs.
19. SEVERABILITY. If any provision of this Agreement is invalid or
unenforceable under any law, rule or regulation, it shall not effect the validity
or enforceability of any other provision of this Agreement.
20. GOVERNING LAW. This Agreement will be governed by the laws of
the Commonwealth of Pennsylvania, unless and to the extent that federal law
applies.
I ACKNOWLEDGE I HAVE RECEIVED A COPY OF THIS AGREEMENT AND DISCLOSURE STATEMENT
AND I INTEND TO BE LEGALLY BOUND BY ITS TERMS
Date i Signature
Date
Signature
YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR FUTURE USE
This notice contains important information about my billing rights and
your responsibilities under the Fair Credit Billing Act.
I Should Notify You In Case of Errors
or Questions About My Bill
If I think my bill is wrong, or I need more information about a transaction
on my bill, I will write to you on a separate sheet at the address listed on my
bill. I will write you as soon as possible. You must hear from me no later
than 60 days after you sent me the first bill on which the error or problem
appeared. I can telephone you, but doing so will not preserve my rights.
In my letter, I will give you the following information:
My name and account number.
The dollar amount of the suspected error.
- A description of the error and an explanation, if I can, of why I
believe there is an error. If 1 need more information, I will describe the
item I am not sure about.
If 1 have authorized you to pay my bill automatically from my share
account, I can stop the payment on any amount I think is wrong. To stop the
payment, my letter must reach you 3 business days before the automatic
payment is scheduled to occur.
My Rights and Your Responsibilities After
You Receive My Written Notice
You must acknowledge my letter within 30 days, unless you have
corrected the error by then. Within 90 days, you must either correct the
error or explain why you believe the bill was correct.
After you receive my letter, you cannot try to collect any amount I
question, or report me as delinquent. You can continue to bill me for the
amount 1 question, including finance charges, and you can apply any unpaid
amount against my credit limit. I do not have to pay any questioned amount
while you are investigating, but I am still obligated to pay the parts of my bill
that are not in question.
If you find that you made a mistake on my bill, I will not have to pay any
finance charges related to any questioned amount. If you didn't make a
mistake, I may have to pay finance charges, and I will have to make up any
missed payments on the questioned amount. In either case, you will send me
a statement of the amount I owe and the date that it is due.
If I fail to pay the amount that you think I owe, you may report me
delinquent. If your explanation does not satisfy me and I write to you within
10 days telling you that I still refuse to pay, you must tell anyone who has
received a report about me that I have a question about my bill. When the
matter is finally resolved, you must inform anyone who has received a report
about me.
If you do not follow these rules, you cannot collect the first $50.00 of the
questioned amount, even if my bill is correct.
[WHEN RECORDED RETURN TO) t E CO 1: 0 3
NTC -- ATTN:ALAN GRAHAM
2100 ALT. 19 NORTH
PALM HARBOR, FLORMW__ 34683
PSECM Loan No: 27193 PSI „.,i 1 Y 0 F D A
Parcel Number: 13-024-033 Loan #: 27193
PENNSYLVANIA STATE EMPLOYEES CREDIT UNION
OPEN END MORTGAGE
THIS MORTGAGE SECURES FUTURE ADVANCES WHICH THE LENDER IS
OBLIGATED TO MAKE UNDER AN AGREEMENT WITH A REVOLVING LINE OF
CREDIT AND AN INTEREST RATE WHICH MAY VARY
THIS MORTGAGE, is made this f -1 day of OC??k , 2-6M , between David J. Leach,
, , , the Owner(s) and/or Borrower(s) (the "BORROWER") and the PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION, a credit union organized and existing under the laws of PENNSYLVANIA, located at P.O. Box
67013, Harrisburg, PA 17106-7013 (the "LENDER").
The BORROWER has been granted an open-end line of credit by LENDER with a credit limit of $ 21,700.00 as
provide ij7!jb quity Line of Credit Agreement and Disclosure Statement (the "AGREEMENT"),
dated
BECAUSE, LENDER has to make obligatory advances to BORROWER under the terms of the AGREEMENT,
up to the credit limit amount, which advances will be of a revolving nature and may be made, repaid, and remade
from time to time; and
BECAUSE, BORROWER as provided for in the AGREEMENT must repay all advances due and the interest
thereon; and
BECAUSE, BORROWER, and LENDER contemplate a series of advances to be secured by this mortgage;
THEREFORE, in consideration of the above stated obligations and to provide security for all repayment of the
indebtedness owed to LENDER, together with interest due and to become due, advanced to BORROWER, the
payment of all sums advanced in accordance herewith to protect the security of this mortgage, with finance charges
at a variable rate as described in the AGREEMENT and the performance of the terms and covenants of this
mortgage and the AGREEMENT, OWNER does hereby, irrevocably grant, convey, and mortgage to LENDER the
following described real estate, together with all improvements now or hereafter ere ted on the PROPERTY, and
all easements, rights purtenances, fixtures and rents, all of which is located in ci ownship/borough) of
I , Commonwealth/State of Pennsylvania known as 2328 Berryhill Street, Harrisburg, PA
17104 (municipality) Harrisburg (county) Dauphin (state) PA which was conveyed to owner by DEED dated
May 27, 1993 , and properly recorded in the Office For the Recorder of Deeds in said County Deed Book No. 1978
, page 631 or Instrument No. as the PROPERTY is described therein (the "PROPERTY") and, if this box is
checked,
0 then see Exhibit "A" which more completely describes the PROPERTY, and which is attached hereto and
made a part thereof.
Page 1 of 5
8?IK4741 305 wa F4
OWNER covenants that OWNER is lawfully seized of the estate hereby conveyed and has the right to grant and
convey the PROPERTY, and that the PROPERTY is unencumbered, except for encumbrances of record and
disclosed to LENDER. OWNER warrants and will defend generally the title to the PROPERTY against all claims
and demands, subject to encumbrances of record.
OWNER and LENDER covenant and agree as follows:
1) ADVANCE MONEY MORTGAGE. It is
expressly understood and agreed that this mortgage
secures, among other things, certain obligatory loans
and advances to be made from time to time by
LENDER to BORROWER pursuant to the
AGREEMENT which future advances are secured by
this mortgage as if made on the date hereof.
2) PAYMENT OF PRINCIPAL, FINANCE
CHARGES AND OTHER CHARGES. BORROWER
shall promptly pay when due all amounts borrowed
under the AGREEMENT, all finance charges and
applicable other charges and collection costs as
provided in the AGREEMENT.
3) TAXES AND INSURANCE. Subject to applicable
law, LENDER, at LENDER'S option may require
OWNER to pay to LENDER on the day monthly
payments of principal and finance charges are payable
under the AGREEMENT, until all sums secured by
this mortgage are paid in full, a sum equal to
one-twelfth of the yearly taxes and assessments
(including condominium and group unit assessments,
if any) which may attain priority over this mortgage,
plus one-twelfth of the yearly premium of hazard
insurance. If LENDER elects to exercise this option, it
shall notify OWNER as provided in paragraph 12
below. OWNER shall not be obligated to make these
payments to the extent that they are made by OWNER
to the holder of a prior mortgage, is such a holder is an
institutional lender.
If OWNER pays such funds to LENDER, LENDER
shall apply funds to pay said taxes, assessments,
insurance premiums and ground rents. LENDER
cannot charge for so holding and applying the funds,
unless LENDER pays BORROWER interest in the
funds and applicable law allows LENDER to make
such a charge.
4) PAYMENT APPLICATION. Unless applicable law
states otherwise, all payments received by LENDER
under the AGREEMENT and paragraphs 2 and 4 above
will be applied by LENDER first to the payment of
amounts owed to LENDER under paragraph 3 above,
second, (in the order LENDER chooses) to any finance
charges, other charges and collection costs owing, and
third, to the principal balance under the AGREEMENT.
5) PRIOR MORTGAGES. OWNER shall perform
all obligations under any mortgage or other security
agreement with a lien which has priority over this
mortgage, including any covenants to make payments
when due. OWNER shall pay or cause to be paid all
taxes, assessments and other charges which may attain
priority over this mortgage. OWNER shall not enter
into any agreement with the holder of any mortgage of
other security agreement which has priority over this
mortgage by which that agreement is modified,
amended, extended or renewed, without prior written
consent of the LENDER. OWNER shall neither
request nor accept any future advances under a prior
mortgage or other security agreement without the
prior written consent of LENDER.
6) HAZARD INSURANCE. OWNER and
BORROWER shall keep the improvements now
existing or hereafter erected on the PROPERTY
insured against loss by fire and other hazards and
casualties as LENDER may require and in such
amounts and for such periods as LENDER may
require. The insurance carrier providing the insurance
shall be chosen by BORROWER and OWNER subject
to approval by LENDER; provided that such approval
shall not be unreasonably withheld. All insurance
policies and renewals thereof shall be in a form and
amounts acceptable to LENDER. OWNER
hereby assigns to LENDER as loss payee all insurance
policies and the proceeds thereof to LENDER as
additional security, to the extent that such insurance
policies and proceeds have not previously been value
assigned. In the event of loss, OWNER shall give
prompt notice to the insurance carrier and LENDER.
LENDER may file proofs of and settle all claims under
such policies and may demand and receive monies to
the extent of interest in the proceeds. At LENDER'S
option, the proceeds of insurance may be applied to the
indebtedness remaining unpaid under the
AGREEMENT or released for the restoration or repair
of the PROPERTY.
7) PRESERVATION AND MAINTENANCE OF
PROPERTY. OWNER shall keep the PROPERTY in
good order and repair and shall not commit waste nor
permit impairment or deterioration of the PROPERTY
and shall comply with the provisions of any lease if
this mortgage is on a leasehold. If this mortgage is on
a unit in a condominium or a planned unit
Page 2 of 5
BK4741;.? 306
development, OWNER shall perform all of OWNER'S
obligations under the declaration or covenants creating
or governing the condominium or planned unit
development, the bylaws and regulations of the
condominium or planned unit development.
8) INSPECTION. LENDER may make or cause to be
made reasonable entries upon and inspections of the
PROPERTY, provided that LENDER shall give
OWNER notice prior to such inspection specifying
reasonable cause therefore related to LENDER'S
interest in the PROPERTY.
9) CONDEMNATION. The proceeds of any award
or claim for damages, direct or consequential, in
connection with any condemnation or other taking of
the PROPERTY, or part thereof, or for conveyance in
lieu of condemnation, are hereby assigned and shall be
paid to the LENDER, to the extent of any indebtedness
under the AGREEMENT, subject to the terms of any
mortgage, or other security agreement with a lien
which has a priority over this mortgage. The proceeds
of such award may, at LENDER'S option, be used to
pay the outstanding amount under the AGREEMENT
secured by this mortgage.
10) EXTENSION NOT A RELEASE;
FORBEARANCE NOT A WAIVER. Any extension
of time for repayment or modification or the amount
due under the AGREEMENT which is granted by
LENDER to BORROWER shall not operate to release,
in any manner, any other BORROWER or OWNER or
their successors in interest under the terms of the
AGREEMENT or this mortgage. Any forbearance by
LENDER in exercising any right or remedy hereunder,
or otherwise afforded by applicable law, shall not be
waiver of or preclude the exercise of any such right or
remedy.
11) SUCCESSORS AND ASSIGNS BOUND:
JOINT AND SEVERAL LIABILITY; CO-SIGNERS.
The covenants and agreements herein contain shall
bind and the rights hereunder shall inure to the
respective successors and assigns of the parties. If
more than one OWNER signs this mortgage, their
obligations shall be joint and several. A co-signer of
this mortgage who does not sign the AGREEMENT is
co-signing this mortgage only to grant and convey that
OWNER'S interest in the PROPERTY to LENDER
under the terms of this mortgage, and is not personally
liable under the AGREEMENT or under this
mortgage.
12) NOTICE. Except for any notice required under
applicable law to be given in another manner, (a) any
notice to OWNER provided for in this mortgage shall
be given by delivering it personally or by mailing such
notice by certified mail, addressed to OWNER at the
address of the PROPERTY or at such other address as
OWNER
Page 3 of 5
may designate by notice to LENDER as provided
herein: and (b) any notice to LENDER shall be given
by certified mail to LENDER'S address stated herein or
to such other address as LENDER may designate by
notice to OWNER as provided herein. If notice is
given by certified mail, it shall be deemed to have been
given on the date of mailing.
13) NOTICE OF TRANSFER. If all or any part of
the property or any interest in it is sold or transferred
without LENDER'S prior written consent, LENDER
may, at its option, require immediate payment in full
of all sums secured by this mortgage. Upon any such
sale the obligation of LENDER to provide any
additional advances shall cease. If LENDER exercises
this option, LENDER shall give BORROWER notice
of acceleration. The notice shall provide a period of
not less than 30 days from the date the notice is
delivered or mailed within which BORROWER must
pay all sums secured by this mortgage. If
BORROWER fails to pay all sums prior to the
expiration of this period, LENDER may invoke any
remedies permitted by this mortgage without further
notice or demand.
14) ADDITIONAL SECURITY. As additional
security hereunder, OWNER hereby assigns to
LENDER the rents of the PROPERTY, provided that
OWNER shall, prior to the declaration of an event of
default or abandonment of the PROPERTY have the
right to collect and retain such rents as they become
due and payable.
15) EVENTS OF DEFAULT. Each of the following
shall be an event of default under this mortgage: (a)
BORROWER'S failure to pay any amount when due or
breach of any promise or representation in the
AGREEMENT or in any other obligation to LENDER;
(b) a breach of any covenant or agreement in this
mortgage; (c) BORROWER or OWNER provides
LENDER with false information or signatures at any
time; (d) the PROPERTY is totally or partially
destroyed by fire or other casualty; (e) any action or
proceeding is commenced which materially affects
LENDER'S interest in the PROPERTY; (f)
BORROWER dies, is incarcerated or declared legally
incompetent; (g) OWNER commits waste or permits
impairment or deterioration of the premises to occur;
(h) a petition in bankruptcy is filed by or against
BORROWER or OWNER which states that
BORROWER or OWNER cannot pay debts when due
and said petition is not dismissed or withdrawn within
sixty 960) days of the filing of said petition; or (i)
BORROWER or OWNER fails to maintain the
required insurance on the PROPERTY.
BK4741 307
16) LENDER'S REMEDIES. Upon LENDER'S
declaration of an event of default, LENDER may,
upon proper and timely notice to OWNER and
BORROWER: (a) accelerate the total amount due
under the AGREEMENT; (b) foreclose upon the
PROPERTY by judicial proceedings, subject to
OWNER'S or BORROWER'S right to cure such
default, in which event LENDER shall be entitled to
collect all expenses of foreclosure, including but not
limited to reasonable attorney's fees and abstract and
title report; (c) terminate the AGREEMENT and
LENDER'S obligation to make advances thereunder;
(d) make any appearances and advance any sums with
interest thereon, shall also be secured by this
mortgage, which sums with interest thereon, shall also
be secured by this mortgage and are payable upon
demand; or (e) take any other action allowed by law or
pursuant to the terms of the AGREEMENT and this
mortgage.
17) CUMULATIVE RIGHTS AND REMEDIES.
LENDER'S rights and remedies under this mortgage
shall be cumulative and the exercise of any one or
more of these rights shall not preclude the exercise of
any other rights or remedies specifically granted in this
mortgage or permitted by law.
18) GOVERNING LAW: SEVERABILITY. The
state and local laws applicable to this mortgage shall
be the laws of the jurisdiction in which the
PROPERTY is located. The foregoing sentence shall
not limit the applicability of federal law to this
mortgage. In the event that any provision or clause of
A
x b:zl? /
W' ess
Witness
Witness
this mortgage or the AGREEMENT conflicts shall not
affect other provisions of this mortgage or the
AGREEMENT which can be given affect without a
conflicting provision, and to this end the provisions of
this mortgage and the AGREEMENT are declared to
be severable.
19) OWNER'S COPY. OWNER shall be furnished a
confirmed copy of the AGREEMENT and of this
mortgage at the time of execution or after recordation
hereof.,
20) WAIVER OF STATUTES OF LIMITATIONS.
OWNER hereby waives to the full extent permitted by
law, statutes of limitations as a defense to any demand
or obligation secured by this mortgage.
21) INTEREST PAYABLE AFTER JUDGMENT.
OWNER agrees that any interest payable after a
judgment is entered, or on additional sums advanced,
shall be at the same rate as is stated in the
AGREEMENT.
22) RELEASE. Should LENDER'S obligations to make
advances to BORROWER pursuant to the terms of the
AGREEMENT be terminated, and provided furthermore
that should BORROWER pay in full all sums secured by
this mortgage, then, upon written demand of OWNER,
LENDER shall, with ten (10) days, either satisfy this
mortgage of record or deliver a written release of this
mortgage to OWNER.
Owner David _ . Leach (seal)
Owner (seal)
Owner (seal)
Witness Owner (seal)
Page 4 of 5
BI 741 308
NOTARY INFORMATION
THE NOTARY PUBLIC LAW REQUIRES THAT THE NOTARY'S RUBBER STAMP SEAL BE
IMPRESSED NEAR HIS OR HER SIGNATURE. THE RUBBER STAMP SEAL IMPRESSION MAY NOT
OVERLAP THE NOTARY'S SIGNATURE, OR EMBOSSING SEAL IMPRESSION.
COMMONWEALTH OF PENNSYLVANIA, 1/w»? w County ss:
On this, the V-1 day of In („s, n before me,
?c .?C?3a xr?r e
Signature of Notary Public
the undersigned officer, personally appeared David J. Leach... known to me (or satisfactorily proven) to be the
person(s) whose name(s)iVare subscribed as OWNER to the within instrument and acknowledged that &e he/they
executed the same for the purposes herein contained and desired to be recorded as such.
0, " ? ,- F-, &, i, &
Signature f Notary Public
IN WITNESS THEREOF, I hereunto set my hand and official seal. My Commission Expires:
Notary Impression Stamp
Notary Seal
NOTARIAL SEAL
GRACE E. SPITAL, Notary Public
Susquehanna Twp., Dauphin County
My Commission Expires %lay 9, 2006
Please put impression Stamp only in the above space. Please put Notary Seal only in the above space.
REQUEST FOR NOTICE OF DEFAULT AND FORECLOSURE UNDER MORTGAGES
OWNER and LENDER request the holder of any mortgage, or other encumbrance with a lien on this PROPERTY
to send Notice to LENDER, at LENDER'S address set forth on page one of this mortgage, of any default and any
sale or other foreclosure action pertaining to the PROPERTY or LENDER'S interest herein.
I certify that the precise residence of the within-named Mortgagee is PSECU, One Credit Union Place, Harrisburg,
PA 17110.
Signature IIQ? l hereby CERTIFY that this doeumerh
is reeor4ed in two Recorder's Office
Agent on behalf of LENDER (Mortgagee) of Dauphin County, PennsyMenia.
COMMONWEALTH 4F
OF PENNSYLVANIA
ss: =8'•? Philip Spaself
COUNTY OF ) ,, aF .•? Recorder of Deeds
Recorded on this day of A.D. in the Recorder's
Office of Said County, in Mortgage Book, Vol. , Page
Given under my hand and seal of the said office, the day and year aforesaid.
Page 5 of 5
Recorder
tlr,7G 309
O CERTIFIED RECEIPT
O
...D (Domestic Only; No Insurance Coverage Provided)
r..
For delivery information visit our website at www.usps.com,,
I'U OFFICIAL
0
• _ _!
r9 Postage $
O \??y Certified Fee ? C
Postm
O Retum Receipt Fee Here
(Endorsement Required) •
C7 ? t i ' r1
RestrictedDelivery Fee ,? L 2(in3
Ln (Endorsement Required)
i rLl
Total Postage & Fees •
o Fsent DAVID J LEAH
r` LW 2328 BERRYHILL` STREE`i HARRISBURG, PA 17104 ----------
am n
¦ complete items 1, 2, and 3. Also complete
item 4 ff Restricted Delivery is desired.
¦ Print your name and address on the reverse
so that we can return the card to you.
¦ Attach this card to the back of the mailplece,
or on the front if space permits.
1. Article Addressed to:
A Sign atu 0 Agent
X 0 Addressee
_ C. Date of Delivery
B. Received by (printed •Name)
D. s delivery address' ifferent fro em' ? 0 Yes
If YES, ant delI?grµ. addre as?belpwt 1l? 0 No
?.J,`, tom.- _ i 1.
??tt?"ttt'rr tlll'rttt?trl'tt r'I Tn
DAVID J LEACH n 3rIIPe
2328=BEMYHILL STREET cettitied Mail Express Mail
HARRISBURG, PA 17104 Registered 0 Return Receipt for Merchandise
d* 0 insured Mail 0 C.O.D.
4. Restricted Delivery? Pdre Fee) 0 Yes
2. Article Number 7004 2510 0001 7026 7600
(rmnsfer from service label)
Domestic Return Receipt 102595-02-M-1 54o
PS Form 3811, February 2004
a>il?sa
PSE(O
07/16/2008
DAVID J LEACH
2328 Berryhill Street
Harrisburg, PA 17104
Dear DAVID J LEACH:
The mortgage held by the Pennsylvania State Employees Credit Union
(hereinafter PSECU, we, us, ours) on your property located at 2328
Berryhill Street, Harrisburg, PA 17104 is in serious default. The
total amount required to bring your account current as of August 15,
2008 is $ 1,176.29. Additionally, a regularly scheduled payment of
$230.70 is due August 16, 2008
You have 30 days from the date of this letter to pay $1,176.24, plus
any additional payments that may fall due during this period. Such
payment must be made either by cash, a cashier's check, a certified
check or a money order and made payable to PSECU.
If the default is not cured within 30 days, PSECU will exercise our
right to accelerate your mortgage payments. This means that whatever
is owed on the original amount borrowed will be considered due
immediately and you may lose the chance to pay off the original
mortgage by installments.
Additionally, we will instruct our attorneys to start foreclosure
proceedings. If your mortgage is foreclosed, your mortgaged property
will be sold by the Sheriff to pay off the debt.
If your payment is received after
foreclosure proceedings, you will
attorney fees up to $50. If your
proceedings begin, all reasonable
be added your loan. Only if paym
avoid any legal fees.
we contact our attorneys but before
be required to pay reasonable
payment is received after legal
fees, regardless of the amount, will
ent is made within 30 days will you
If we foreclose and the sale of your property does not pay off the
total debt, then we may sue you personally for the unpaid balance and
all other sums still due.
Pennsylvania State Employees Credit Union
Main Address: 1 Credit Union Place, Harrisburg, PA 17110-2990 • 717.234.8484 • 800.237.7328
Mailing Address: P.O. Box 67013, Harrisburg, PA 17106-7013 • 717.777.2100 (TDD) • 800.472.1967 (TDD)
psecu.com
This credit union is federally insured by the National Credit Union Administration. Equal Opportunity Lender
I PSEf?
If you do not make your payment and foreclosure proceedings have begun,
you still have the right to make payment and prevent the sale at any
time up to one hour before the Sheriff's sale. You may do so by paying
the total amount of the unpaid monthly payments plus any other charges
then due, as well as the reasonable attorney's fees and the costs
connected with the foreclosure sale.
It is estimated that the earliest date of the Sheriff's sale would be
90 days from the date of this letter. A notice of the date of the
Sheriff's sale will be sent to you before the sale. Of course, the
amount due will increase the longer you wait. You may determine your
balance by calling me. Again, payment must be in cash or by a
cashier's check, certified check or money order and payable to PSECU.
You should realize that a Sheriff's sale would end your ownership of
the mortgaged property and the right to remain in it. If you continue
to live in the property after the Sheriff's sale, a lawsuit could be
started to evict you.
You have additional rights to protect your interest in the property:
• You have the right to obtain money to pay off the mortgage debt;
• You have the right to borrow money from another lending institution;
and
• You have the right to have the amount due paid by a third party
acting on your behalf.
You may have the right to sell or transfer the subject property to a
buyer or transferee who will assume the mortgage debt, provided that
all the outstanding payments, charges and attorney's fees and costs are
paid prior to or at the sale, and that other requirements under the
mortgage are satisfied. Contact us to determine under what
circumstances this right might exist.
If you make full payment of what you owe, the mortgage will be restored
to the same status as if no default had occurred. However, you are not
entitled to this right to cure your default more than three times in
any calendar year.
If you have any questions, call 234-8484 in Harrisburg or call our
toll-free number, (800) 237-7328. At the menu prompt, enter 6 then
extension 3120. We are open from 8 a.m. to 5 p.m. Monday through
Friday and 8 a.m. to noon on Saturday.
Sincerely,
Roxann Myers
Account Advisor
Pennsylvania State Employees Credit Union
Main Address: 1 Credit Union Place, Harrisburg, PA 17110-2990 • 717.234.8484 • 800.237.7328
Mailing Address: PO. Box 67013, Harrisburg, PA 17106-7013 • 717.777.2100 (TDD) • 800.472.1967 (TDD)
psecu.com
This credit union is federally insured by the National Credit Union Administration. Equal Opportunity Lender
PSE(O
DAVID J LEACH
2328 Berryhill Street
Harrisburg, PA 17104
COPY
07/16/2008
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983
PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR
FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS.
Dear DAVID J LEACH:
The Mortgage held by the Pennsylvania State Employees Credit Union on your property
located at 2328 Berryhill Street, Harrisburg, PA 17104 is in serious default
because you have failed to pay prompt installments of principal and interest, as
required, for a period of at least sixty (60) days. The total amount of the delinquency is
$1,176.24. This sum is good through August 15, 2008.
A regular scheduled monthly payment of $230.70 is required on August 16, 2008.
You may be eligible for financial assistance that will prevent foreclosure on your
mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage
Assistance Act of 1983 (the "Act"). You may be eligible for emergency temporary
assistance if your default has been caused by circumstances beyond your control, and
if you meet the eligibility requirements of the Act as determined by the Pennsylvania
Housing Finance Agency. Please read all of this Notice. It contains an explanation of
your rights.
Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for
thirty (30) days from the date of this Notice. During that time you must arrange and
attend a face-to-face meeting with a representative of PSECU, or with a designated
consumer credit counseling agency. The purpose of this meeting is to attempt to work
out a repayment plan, or to otherwise settle your delinquency. This meeting must
occur in the next thirty (30) days.
If you attend a face-to-face meeting with a PSECU representative, or with a consumer
credit counseling agency identified in this notice, no further proceeding in mortgage
foreclosure may take place for thirty (30) days after the date of this meeting.
The name of PSECU's representative is the undersigned and may be reached at
PSECU's address or by calling (717) 234-8484 or toll free (800) 237-7328. This
representative's extension is 3120. The name and address of the consumer credit
counseling agency in your area is CCCS of Western PA, 2000 Lenglestown Rd. Ste 302,
Harrisburg, PA 17110, 888-511-2227. It is only necessary to schedule one face-to-face
meeting. You should advise PSECU immediately of your intentions.
Pennsylvania State Employees Credit Union
Main Address: 1 Credit Union Place, Harrisburg, PA 17110-2990 • 717.234.8484 • 800.237.7328
Mailing Address: P.O. Box 67013, Harrisburg, PA 17106-7013 • 717.777.2100 (TDD) • 800.472.1967 (TDD)
psecu.com
This credit union is federally insured by the National Credit Union Administration. Equal Opportunity Lender
PSE(O
If you have tried and are unable to resolve this problem at or after your face-to-face
meeting, you have the right to apply for financial assistance from the Homeowners'
Emergency Assistance Application with one of the designated consumer credit
counseling agencies listed above. An application for assistance may only be obtained
from a consumer credit counseling agency. The consumer credit counseling agency will
assist you in filling out your application and will submit your completed application to
the Pennsylvania Housing Finance Agency. Your application must be filed, or
postmarked, within thirty (30) days of your face-to-face meeting.
It is extremely important that your application is accurate and complete in every
respect. The Pennsylvania Housing Finance Agency has sixty (60) days to make a
decision after it receives your application. During that additional time, no foreclosure
proceedings will be pursued against you if you have met the time requirements set forth
above. You will be notified directly by that Agency of its decision on your application.
The Pennsylvania Housing Finance Agency is located at 211 North Front Street, P. O.
Box 8029, Harrisburg, PA 17105. Telephone No. (717) 780-3800 or 1-800-342-2397
(toll free number).
If you choose to exercise your rights described in this notice, we cannot foreclose upon
you during that time. Also, if you receive financial assistance from the Pennsylvania
Housing Finance Agency, your home cannot be foreclosed upon while you are receiving
that assistance.
Si erely,
Roxann Myers ?Ixfl
Account Advisor
Pennsylvania State Employees Credit Union
Main Address: 1 Credit Union Place, Harrisburg, PA 17110-2990 • 717.234.8484 • 800.237.7328
Mailing Address: P.O. Box 67013, Harrisburg, PA 17106-7013 • 717.777.2100 (TDD) • 800.472.1967 (TDD)
psecu.com
This credit union is federally insured by the National Credit Union Administration. Equal Opportunity Lender
VERIFICATION
Pennsylvania State Employees Credit Union
v. David J. Leach
I, Gregory R. Diffenderfer, being duly affirmed according to law, depose and say that I
am the Collection Manager for Pennsylvania State Employees Credit Union; that I am authorized
to make this Verification on its behalf and that the facts set forth in the foregoing Complaint are
true and correct to the best of my knowledge, information, and belief.
To the extent that any of the averments in the foregoing document are based upon the
understanding or application of law, I have relied upon counsel in making this Verification.
This Verification is made subject to the penalties of 18 Pa. C.S.A. §4904, relating to
unsworn falsification to authorities.
Dated: l f O;
-?? Gregory R. Diffenderfer
R?
3
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00
4- - 0
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0
CASE NO: 2008-06838 P
SHERIFF'S RETURN - REGULAR
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
PENNSYLVANIA STATE EMPLOYEES
VS
LEACH DAVID J
TIMOTHY R BLACK , Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE was served upon
T,R.4rT4 nAVTT- ,7 the
DEFENDANT , at 0015:05 HOURS, on the 21st day of November-, 2008
at 527 WALNUT STREET
LEMOYNE, PA 17043-1547
by handing to
ADULT IN CHARGE
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing 18.00
Service 16.00
Affidavit .00
Surcharge 10.00
.00
_
44.00
Sworn and Subscibed to
before me this day
of ,
So Answers:
R. Thomas Kline
11/24/2008
BARLEY SNYDER
By: Deputy Sheriff
A. D.
BARLEY SNYDER LLC
Shawn M. Long, Esquire
Court I.D. No. 83774
126 East King Street
Lancaster, PA 17602
(717) 299-5201
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
V.
DAVID J. LEACH,
Defendant
Attorneys for Plaintiff
Pennsylvania State Employees Credit Union
URT OF COMMON PLEAS OF
MBERLAND COUNTY, PENNSYLVANIA
/IL ACTION - LAW
08-6838 Civil Term
PRAECIPE FOR JUDGMENT
Enter Judgment in favor of Plaintiff, Pennsylvania State Employees Credit Union and
against Defendant, David J. Leach for want of an answer in the amount of $36,478.65 plus
reasonable attorneys' fees and costs of suit.
(X) I certify that the foregoing assessment of damages is for specified amounts alleged to
be due in the complaint and is calculable as a sum certain from the complaint.
( ) Pursuant to Pa. R.C.P. 237 (notice of praecipe for final judgment or decree), I certify
that a copy of this praecipe has been mailed to each other party who has appeared in the action or
to his/her Attorney of Record.
2479837-1
''e 1
(X) Pursuant to Pa. R.C.P. 237. 1, I certify that written notice of the intention to file this
praecipe was mailed or delivered to the party against whom judgment is to be entered and to
his/her Attorney of Record, if any, after the default occurred and at least ten days prior to the
date of the filing of this praecipe and a copy of the notice is attached.
Date: t? 7 Id t By:
BARLEY SNYD
Shawn M. Long, Es uire
Attorneys for Plaint ff
Pennsylvania State Employees Credit Union
Court I.D. No. 83774
126 East King Street
Lancaster, PA 17602
(717) 299-5201
NOW, "J) 9-C 200 , JUDGMENT IS ENTERED AS ABOVE.
Prothonotary/Clerk, Civil Division
By:
-D
2479837-1
" `
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
V.
DAVID J. LEACH,
Defendant
OURT OF COMMON PLEAS OF
UMBERLAND COUNTY, PENNSYLVANIA
IVIL ACTION - LAW
08-6838 Civil Term
To: David J. Leach
Date of Notice: December 12, 2008
IMPORTANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE
COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST
YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE,
A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU
MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS.
YOU SHOULD TAKE THIS PAPER TO A LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER, GO TO OR TELEPHONE THE FOLLOWING OFFICE SET FORTH
2474705-1
BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A
LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Court Administrator
4th Floor, Cumberland County Courthouse
Carlisle, PA 17013
(717) 240-6200
George J. Shoop, Esquire
I.D. No. 25367
Shawn M. Long, Esquire
I.D. No. 83774
126 East King Street
Lancaster, PA 17602-2893
(717) 299-5201
2474705-1
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
V.
DAVID J. LEACH,
Defendant
PROOF OF SERVICE
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF BERKS
ss.
T OF COMMON PLEAS OF
IERLAND COUNTY, PENNSYLVANIA
ACTION - LAW
o. 08-6838 Civil Term
Colleen Brelje, Paralegal, being sworn according to law, deposes and says that she served
a true and correct copy of the 10-day Default Notice upon David J. Leach, 527 Walnut Street,
Lemoyne, Pennsylvania 17043-1547, by regular mail on December 12, 2008 at 5:00 p.m.
BARLEY SNYDER LLC
Sworn to and subscribed before me
this _ day of jeui b,,,-, 2008
otary Public
Reading, PA 19603-0942
(610) 376-6651
COMMONWEALTH OF PENNSYLVANIA
Notarial Seal
Margaret C. Edwards, Notary Public
City Of Reading, Berke Carly
My O n bsion Expires March 22, 2009
Member, Pennsylvania Association of Notaries
By:
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Colleen Brelje, Paralegal
501 Washington Street
P.O. Box 942
2474705-1
BARLEY SNYDER LLC
Shawn M. Long, Esquire
Court I.D. No. 83774
126 East King Street
Lancaster, PA 17602
(717) 299-5201
Attorneys for Plaintiff
Pennsylvania State Employees Credit Union
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
V.
DAVID J. LEACH,
Defendant
URT OF COMMON PLEAS OF
MBERLAND COUNTY, PENNSYLVANIA
ACTION - LAW
o. 08-6838 Civil Term
AFFIDAVIT THAT THE DEFENDANT IS NOT IN THE
MILITARY SERVICE, PURSUANT TO "SOLDIERS
AND SAILORS" CIVIL RELIEF ACT OF 1918. RE-ENACTED 1940
LANCASTER COUNTY, SS: Before me, the undersigned authority, personally
appeared Shawn M. Long, Esquire, who being duly sworn according to law, doth depose and say
that David J. Leach, the Defendant is not in the Military or Naval Service, based on the following
facts: Age of Defendant is unknown; Present place of employment is unknown; Present place of
Residence is 527 Walnut Street, Lemoyne, PA 17043-1547 as of the date of this affidavit.
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ADDITIONAL FACTS, if any.
Date: L ?-7 v
By:
BARLEY
yawn M. Long, Esquir
Attorneys for Plaintiff e/
Pennsylvania State Employees Credit Union
Court I.D. No. 83774
126 East King Street
Lancaster, PA 17602-2893
(717) 299-5201
Sworn and subscribed to before me this 17 day of 2008.
L
V
Notary Public
COMMONWEALTH OF PENNSYLVANIA
NoWIM Seel
Sheet L. JOIN. reo ., Nobly Public
CI1y d LenoeeMr, I.aneeeNr County
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Member. Pen Nohrbe
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IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY
OFFICE OF THE PROTHONOTARY
CARLISLE, PA
TO: David J. Leach
Defendant
YOU ARE HEREBY NOTIFIED that Pennsylvania State Employees Credit Union has
caused a judgment by default to be entered against you with the Prothonotary of Cumberland
County. The judgment was entered on 1) F c a.?T ato No. 08-6838 Civil Term
with the Court of Common Pleas of Cumberland County - Civil Division. The judgment is in the
amount of $36,478.65 plus reasonable attorneys' fees and costs of suit.
PROTHONOTARY
By: 4*4
2479837-1