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HomeMy WebLinkAbout08-7008IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES NO. 0S " v68 ?? v L CREDIT UNION, Plaintiff VS. KIMBERLY S BANZHOFF Defendant CIVIL ACTION -LAW NOTICE TO DEFEND Pursuant to PA RCP No. 1018.1 You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after the Complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CAN NOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 S. Bedford Street Carlise, PA 17013 (717) 249-3166 (800) 990-9108 Document #: 180057.1 EN LA CORTE DE ALEGATOS COM UN DEL CONDADO DE CUMBERLAND, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES NO. CREDIT UNION, Plaintiff VS. KIMBERLY S BANZHOFF Defendant CIVIL ACTION -LAW AV I S O PARA DEFENDER Conforme a PA Num. 1018.1 USTED HA SIDO DEMANDO/A EN LA CORTE. Si usted desea defender conta la demanda puestas en las siguientes paginas, usted tienen que tomar acci6n dentro veinte (20) dias despues que esta Demanda y Aviso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando por escrito con la Corte sus defenses o objeciones a las demandas puestas en contra usted. Usted es advertido que si falla de hacerlo el caso puede proceder sin usted y un jazgamiento puede ser entrado contra usted por la Corte sin mas aviso por cualquier dinero reclamado en la Demanda o por cualquier otro reclamo o alivio solicitado por Demandante. Ustedpuede perder dinero o propiedad o otros derechos importante para usted. USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSEGUIDA. SI USTED NO TIENE UN ABOGADO, VAYA O LLAME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON 1NFORMACION DE COMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. Cumberland County Bar Association 32 S. Bedford Street Carlise, PA 17013 (717) 249-3166 (800) 990-9108 Document #: 180057.1 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff VS. KIMBERLY S BANZHOFF Defendant NO. ©E . '7 It 0 8 ?-c i 2µ- CIVIL ACTION -LAW COMPLAINT AND NOW, comes Plaintiff, Pennsylvania State Employees Credit Union, by and through its attorneys, Van Eck & Van Eck, P.C. and states the following cause of action and in support thereof, avers as follows: 1. Plaintiff, Pennsylvania State Employees Credit Union, is a financial institution qualified to conduct business in the Commonwealth of Pennsylvania with offices and/or a place of business situate at 1 Credit Union Place, Harrisburg, Dauphin County, Pennsylvania. 2. Defendant, Kimberly S Banzhoff, is an adult individual with a last known address of 632 Devon Road, Camp Hill, PA 17011-1620. 3. Defendant is, and at all relevant time material hereto has been, the primary loan applicants. COUNTI BREACH OF CONTRACT - PERSONAL SERVICE AND VISA LOAN 4. Paragraphs 1 through 3 are hereby incorporated as if more fully set forth. 5. Defendant applied to Plaintiff for a personal service and visa loan. 6. The application submitted by Defendant was approved by Plaintiff. Document #: 180057.1 7. Pursuant to the Loan Activation Notice, Defendant agreed to the terms and conditions of the extension of credit as set forth in the Loanliner Credit and Security Agreement (hereinafter referred to as "Contract"). A true and correct copy of the Loan Activation is attached hereto, incorporated herein and marked as Exhibit "A". A true and correct copy of the Loanliner Credit and Security Agreement is attached hereto, incorporated herein and marked as Exhibit "B" 8. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms and conditions of the Contract marked as Exhibit "B". 9. Various charges and payments were made by Defendant on the account. 10. Defendant has defaulted on the loan by failing to make timely and regular payments. 11. The last payment made by Defendant on the personal service loan was on June 25, 2007 and the last payment made on the visa loan was on August 25, 2007. 12. Defendant was required under the contract to make regular and timely payments. 13. Plaintiff has maintained a statement of account keeping an accurate and running amount of debits and credits made on Defendant's account. 14. Plaintiff has submitted to Defendant a copy of the statement of account accurately showing all debits and credits for transactions with Defendant. 15. Defendant has not objected to any of the monthly statements of account submitted by Plaintiff to Defendant. 16. Despite Plaintiff's reasonable and repeated demands for payment, Defendant have failed, refused and continue to refuse to pay all sums due and owing on Defendant's loan account balance, all to the damage of Plaintiff. Document #: 180057.1 17. As of November 24, 2008, the balance due, owing and unpaid on Defendant's loan account with Plaintiff is the sum of Twenty-one Thousand Five Hundred Ten Dollars and 84/100 ($21,510.84). 18. Pursuant to the terms and conditions of the extension of credit contained in the Contract, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest charge on the principal loan balance. 19. Due to the default of the Defendant and pursuant to the terms and conditions of the Contract attached as Exhibit "B", Plaintiff is entitled to be reimbursed for all costs and expenses, including reasonable attorney's fees incurred in bringing any action. 20. For purposes of this action, Plaintiff believes, and therefore avers, that Two Thousand One Hundred Fourteen Dollars and 42/100 ($2,114.42) constitutes reasonable attorney's fees. However, Plaintiff recognizes that it is restricted by law to those attorneys' fee that are actually incurred. If those fees are less than the aforegoing amount, Plaintiff agrees to adjust its demand for attorneys' fees, if applicable, at the time of payment on any judgment is made. 21. Any and all conditions precedent to the bringing of this action has been performed by Plaintiff. 22. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, respectfully requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant, Kimberly S Banzhoff, in the amount of Twenty-three Thousand Six Hundred Twenty-five Document #: 180057.1 Dollars 26/100 ($23,625.26), plus interest, the costs of this action, and such other relief as the Court deems just and proper. COUNT II BREACH OF CONTRACT - AUTO LOAN 23. Paragraphs 1 through 22 are hereby incorporated as if more fully set forth. 24. Defendant applied to Plaintiff for a loan for the purpose of purchasing a motor vehicle. 25. The loan application submitted by Defendant was approved by Plaintiff and Defendant signed a Loanliner Advance Proceeds Check for the purchase of the vehicle. A true and correct copy of said Loanliner Advance Proceeds Check is attached hereto, incorporated herein and marked as Exhibit "C". 26. Pursuant to the Loanliner Advance Proceeds Check marked as Exhibit "C", Defendant agreed to the terms and conditions of the extension of credit as set forth in the Loanliner Credit and Security Agreement (hereinafter referred to as "Contract"). A true and correct copy of the Loanliner Credit and Security Agreement is attached hereto, incorporated herein and marked as Exhibit "D". 27. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms and conditions of the Contract marked as Exhibit "D". 28. Various charges and payments were made by Defendant on the account. 29. Plaintiff provided a letter to Defendant stating that the vehicle purchased by Defendant was deemed repossessed. The letter further advises Defendant that unless payment in full was made on the outstanding loan balance, the said vehicle would be sold at a public sale and Defendant will be responsible for any resulting deficiency. Document #: 180057.1 30. As a result of Defendant's failure to cure the default in payment, and pursuant to state law remedies, Plaintiff sold the vehicle at public sale. 31. Plaintiff provided a letter to Defendant indicating that there was a resulting deficiency after the sale of the vehicle. 32. Plaintiff has maintained a statement of account keeping an accurate and running amount of debits and credits made on Defendant's account. 33. Plaintiff has submitted to Defendant a copy of the statement of account accurately showing all debits and credits for transactions with Defendant. 34. Defendant has not objected to any of the monthly statements of account submitted by Plaintiff to Defendant. 35. Despite Plaintiff's reasonable and repeated demands for payment, Defendant has failed, refused and continues to refuse to pay all sums due and owing on Defendant's loan account balance, all to the damage of Plaintiff. 36. As of November 24, 2008, the balance due, owing and unpaid on Defendant's loan account with Plaintiff is the sum of Six Thousand One Hundred Fifty-three Dollars and 63/100 ($6,153.63). 37. Pursuant to the terms and conditions of the extension of credit contained in the Contract, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest charge on the principal loan balance. 38. Due to the default of the Defendant and pursuant to the terms and conditions of the Contract attached as Exhibit "D", attorney's fees in the total amount of One Thousand Two Hundred Thirty Dollars and 72/100 ($1,230.72) have been added to the account. Document #: 180057.1 39. Any and all conditions precedent to the bringing of this action has been performed by Plaintiff. 40. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, respectfully requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant, Kimberly S Banzhoff, in the amount of Seven Thousand Three Hundred Eighty-four Dollars and 35/100 ($7,384.35), plus interest, the costs of this action, and such other relief as the Court deems just and proper. Respectfully submitted, VAN ECK & VAN ECK, P.C. By: Melissa L. Van Eck, squire Attorney I.D. No. 85869 P.O. Box 6662 Harrisburg, PA 17112 717.540.5406 Document #: 180057.1 VERIFICATION I, Gregory R. Diffenderfer, Manager of the Pennsylvania State Employees Credit Union verify that the statements made in the aforegoing document are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. §4904, relating to unsworn falsification to authorities. Pennsylvania State Employees Credit Union By: Title: d3ta? M,g ycl' Date a OAa A R IT ccA!s t i t PERSONAL SERVICE LOAN AND Visa® ACTIVATION NOTICE JAN 2 5 2001 Loan Information January 23, 2007 Ref # : 592422 598 Approval Amount: $20,000.00 Account # Applicant: KIMBERLY S 13ANZHOFF Home Telephone # : Work Telephone #: I acknowledge receipt of the PSECU LOANLINMO Disclosure and Credit Agreement and agree to be bound b the terms set forth in said agreement. 1 - -':? Y. x007 ' A-? -W?ajA A4,4d& Si f KIMBERL ANZHO" Jute Personal Service Loan Options e I would like an immediate Personal Service Loan advance of $ . Purpose: Send a ? Check or ? - Deposit to my Share 4 • Select your Personal Service Loan repayment option. ? Automatic Transfer from PSECU account ? Homebanking ? Payroll deduction ? Direct Payment from another financial institution ? Self Service Telephone • For overdraft options, complete the enclosed Overdraft Transfer Service sheet and return it with your Activation Notice. Visa® Options • I would like an immediate Visa® advance of $ . Purpose: Send a ? Check, or ? Deposit to my Share 4 I Select your Visa® loan repayment option. ?? Transfer on Pay Day (select one): ? Minimum amount ? Alternate payment amount of $ /A for automatically from PSECU account on the 25th of each month (select one): um amount El Alternate payment amount of $ ? Previous month's balance ? Mail a payment monthly by the 25th. • For overdraft options, complete the enclosed Overdraft Transfer Service sheet and return it with your Activation Notice. • You may have one additional card issued on your Visa® account. Indicate your choice below- E] Please issue an additional card in the name below. I authorize him/her to use it and I accept full responsibility for all charges.and/or cash advances just as thought made them. Authorized card holders may not order replaceric?t cards or obtain Visa® account information (Le. detailed transactions, balance information, payment activity). KIMBERLY S BANZHOFF must sign below. CV, Name of Authorized Card Holder Signature of KIMBERLY S BANZHOFF Select your Personal Identification Number for your Visa® card Select a PIN that is not easily identified with you, and write your PIN in the spaces provided. PSECU does not keep your PIN on file. We cannot produce a card without a PIN. You will need this PIN to make cash advances on your Visa line of credit. Please do not use the letters Q or Z as part of your PIN, and do not use the following combinations of numbers: 0000 through 0009 or 9999. EE :6 I-IV h Z W Lmb 1IJ Sd NED Exhibit "B" PSECO Pennsylvania State Employees Credit Union PC. Box 3;'03 ? i4arrisvura, PA t7106-701,7 ? (717) 234.8484 Flamshurn (800).237-7328 Natiimwine Loan Disclosures This LOANLINER' Credit and Security Agraemeni, which includes the Truth in CREDIT INSURANCE - Credit life and/or credit disability insurance is optional Lending Disclosures, will ba referred to as the Plan. The Plait docurnents include this under the Plan if you quality for and purchase the insurance from us, you authorize agr*$ment and an Addendum You. your and borrower mean any person who signs us to add he insurance premiums monthly to your loan balance and charge you 'r the Plan. Credit union, we, our and us mean PSECU or anon to whom the. Credl interest on the entire balance. it you elect credit insurance, your payments may Union transfers its rights under tie Plar. increase or the period of time nece>sary to repay your advance may be extended HOW THIS PLAN WORKS - hiss an open-end, mvtf textured i;redit plan. We ' The credit insurance rates may charge during the Pian it the rates change, we will anticipate that, from time to time, you w,N borrow money jcalled `advances:) under provide any notices required by appt able saw the Plan. We are not required to make advances to you under the Plan and can PERIODIC STATEMENT - On a regular basis ycu will receive a statement showing , all transactions under the Plan during the period covered by the statement refuse a request for an advance at any time. The Addendum descrbes the different types of credit icaliec -subaccourits') available under the Plan, he current Statements and notices vial be sent to yae< at file most recent address you nave interest rate for each subac_•ount expressed as a dally perlolic mitt and given us in writing. Unfes:s appilCable law ieq sires "ip!ibe to each joint borrower, ' corresporuling annual percentage rate ,nil other harges. It may also have other 1 notice to anyone of you will be notice to all, arms and a sci edule for determining m pa;::°r,ol:i amounts, JOINT ACCOUNTS - It ;his is a loin, account each of you is individually and jointly CREDIT LIMIT - We may, Ina dV not rave !o, esiabl,,sh a credit tlm:t on certain responsible for paying ail amounts owed- That means we can enforce our rights i subaccourts 11 a credit limit is ,set fnr a subacx_ount. you promise not to exceed the under the Plan against any One of you individually or against all of you together tt you establlshed credit limit, if Vac exceed the ore cl! hrint, you promise to repay ' give iii inconsistent instruc.tiems. we can refilse to tOtlow, your instructions, Unless our lr,rnedialeiy 11xr amount which exceeds tike credo iimst = written policy requires all ;cf you !o sign for an advance, each of you autnortzes The REPAYMENT - You prornise to repay all amounts yo,t owe under the Plan plus other(s) to obtain advances individually and agrees to repay advances made to the interest. Payments are due- on the last day it the morth unless we Set a 'itferent day ' othertst. Any joint ax,,ounthoider may terminate the Plan by giving us prior wrr!en at the time of an advance. If the Addendum has no payment sct edt e 'err a ? notice it any of you terminate tl,e Pian, The Plan is terminated for all of you, You suuaccount, your payment will be deiemt red at the time of eaofh ads ai ee. remain Gable individually and jointly 'or all advances ncl before termination Payments must include any amount past duo and any amount by whir") You nave ! FEES AND CHARGES - If yr,tu give us a security interest in certain types of I exceaderd any credit lima you ave betir given for a subarcouht. You may repay all property, we may charge you a filing fee tv perfect cur interest in the property. If we or part of what you owe. at any ,irw w;lhouz any prepayment penalty Evun if you do, the amount of the fee wilt be disclosed to you at tie lime you obtain an advance. prepay, you will still be required to make the requiady scheduled payments unless ; We may also charge you outer fees ill connection with the Plan. Our curren?fees are we agree in writing to a change in the payment schedule, If you have a joint disclosed on the Addendum and wilt be adcrid in your loan balance unless you pay aharedraft account, you will be responsibe tot paying ail overdraft advaances them in cash. obtained by a joint holder of the sharenral account Unless otherwise rngwred by { law, a ents will be applied to amsun s nw ed under the Plan. in the macrror the UPDATING CREDIT INFORMATION - You promise that you will promptly give us ^ Credit Union chooses. Pformation us upYou provided to datetl Rnannal ns changes Upi:iri out request, you also agree to PLAN ACCESS -You can obtain credit :advances in any manner authorized by us. if provide fown we allow you to use your AT1.V 1,)eh rsard t tent ss the Pan, Vu tray be k able for the DEFAULT - The following applies to borrowers in Idaho, Kansas, unaothorizea use of your ATlrt Deb! jarn 'Yo, wil9 !,,,)I be liable for unaurhotr, ea use g paragraph pp •n .t +atxxrrs ahem you rarity u... orally of in wilting of th,a IJSS, :heft dr possible Maine and South Carolina: You will be in de}autz it you do not make a payment of un3umor.-eo .r:;e 14 you 'behave ,our TIii'Debrt card has been lost or sfolen, ? the amount required when it is due You will also be in default if we believe the { ] immediate y infomt the C,edrt Un.ar b^v i..ailing or wnhttg us rz't tl-e tetepno nt,imher W prospect of payment, pe(fd ma-hoe, or rear iaaton on any property given as security i is significantly ?mpalred, addle+ss that appears el5krwnerF rr x11<t P sn It the cards used to obtain unauthorized adrtarices direCtly tram the Plan, your i 4triliTy not exceeo S50 if ine, unauthorized I The following paragraph applies only to borrowers In Wisconsin. You will be in w:thdiawat is rrom a ;snarii drat, account, riu( ?ae,jml, is governed bi the Heguiation E CIL-faint it you lad to make a payment wfier tea times during any 12 month disclosures you received at Ire t me you race"fed Yt)ur ATM Uebri iaarta Cvrdn a the pertcad. You will be in default it breaking ary promise made tinder the Plan materially wrtidiawef results in ar a"}van co (?ei'1?4 fiOrn )v'erd(a'I Subar(,ount. intpaits your' and Ely tt? repay what you owe Ear n cilera ry impairs The condition, value. FINANCE CHARGE - Toe dollar arno rnt you pal for money borrowed IS Calton a Or Protection of Of our right m any Property Yrl?j yrivlt as security. 'fir•:wco charge' and uegins on ,ha state c ach advan.,e. A tinaree charge will bit i The following paragraph applies only to borrowers in lows: You will be in cornputea seloarateiy for ea:ctt separate t.al ire e .,11crr the Plait. TO compile ifie default. if you are more than 10 days late in ma'rmg a pz;^me-t. You will also be in i finance change, "le unpaid baiance for "oil dairy ; nce your last oavrr k.nt (or since i default if you do not comply with the terms C' h, Rwi and your failure to comply an advance if ^rou have not y^ut made a oayn _ntl is ?nult;cifeo bytihe applicalve'Ja'il) ? materially iniprurs any property you Lt w as se?:.u,ity ter g,?_Jr ab'rlr"y td repay What you a periodic rate. The son of,hcsc a(rounts is too finance charge oried. The balanbtn owe under the Plan. use=_S 10 uOTT`PUNf foie hnarice charge is :f a ,paid o an;,e each day at e r payrr,enrs The followirny' paragraph applies to borrowers In all other states: You wilt be in and red s t2) Shat balance haeH been °„o.rnrttLd nil any add?Geins tc tic. "If ice i defa.drt it goer do not make a payment of rho a noiint required when it ,5 due.. You wall i have been male. In addition to int7n_st, ,,e may i:,harge other finance charge:, whwrh be in default if you break any promise veto male under tnei Plan or if anyone is in are disc-lased on vie Ao,iiindu'n If the I, lreSt late is a vart,ole interest iota, iht? , deifault under any secotity agreement niade -n ;,onrection with an advance under i A.ode,ldurn rep+ains hcw the vanabP•3 ri:erast rate works the Pian You mf ,a in delault it you die lire for bankruptcy, become insolvent, it you SECURITY -Y7u p;edge as securty for she Plan all shares and dividends and, if arty, make any false or mts;ead',ng statements in any credit application or update of credit all de:tea, :s, and interest in ali lool taint 1111VIdu'tl XXX)LI nIs you iava will-, us now anal information, or r spmr;thing happens we belie°ve may subslantally reduce your to the tt,tara- If a ss> cil.c d+3: at amoit is p 0pe:,:I for ar, aca..r„e, we will freeze rbif;iy tv repay what vftu J,ve You will be in delaull if any property you have given sr :res in that accouril to tfil i.x.r. ^ai of .he r t MIloing ba',ance fIN the aclvanc*i i us as security is repossessed by someone else- seised under a forfeiture or sim,lar Otherw,se, your ptedgeci shares may t, . wtt`oraw^n unless y:x, are in et(Aauft The taw or if aryihing else happen, tnat signlficantiv atlcicts tne value of the property or following paragraph applies in all states except in Ohio,. Anode Island and cur ievpiiy inter, tSt m I Y ,_,u will £atlsd or in ,'et ',Ii unctur file Plan it you arm- to default Massachusetts: We have ct s atutmb heir; h .,e s °,ras and divadencis wit it any, the under any -Aher'oan ap(eemenr emit trs deposits and interest in all 'rte uodua' and joint accvunts .r^ou have with u;. and may 'y ACTIONS AFTER DEFAULT - The following paragraph applles to borrowers in exercise c ^r ngn,s under the ie is the r .tenl poi n trod by s ate ar: iWe are state Colorado, District of Columbia, Iowa. Kansas. Maine, Massachusetts, Missouri, . ,arr..red if our name does ict insure tn, lean Fede*rd l7r--d r Jni^, r) For all Nebraska, South Carolina and West Vlrglnra: tVVPn you are in default and after borrowers; The statutory lien and/or your pledge will allow us to apply the funds expiry.r.-dn of any tight you have tinder a? ?"rah ate taw t:a cure your dofauh, we ran n your account(s) to what you owe when you are in Uefauli he Statutory liar, and _iairi4rtd imInt"llale paymen of t,<; ,sour. ur_a ,f t arch under ire Plan w,tnc,n y ur )ler,3e do of apply ,rr lr ioua H t r;tm nt A,,cru r or ray c "her acrcnurlt gi,rir g yi;u acvar ze r nlc+. t t would a .. .pea al f, a of r rt7 r .i•; pr 1 i .^.r v i° r I: e ,ril)i e P „ w n r. ed me of The following paragraph applies to borrowers irr all other states except Wisconsin ?..Y^) 7n:1 5 ,: t,(Iry )1 JF i{? tl at, akv."I,,;e it a . I at ?r and Lowsrarra dire^ c are .n z ta:i r rent r q w =nrr',ecdiate payment .sae{p.7 i r . >,,,r.- as ;ear -,j rr^i is ,e nv'i to 'eleratrr.oj Cot .ht. 6,11're a ps.,; ba„ti ,.., t.r otif c. F` to Y -G weave any rgn: you have ql,C• art C ,r;.rti a., c., ray ,. i r n r•h et .n: .rr. fc r i, i, e>?r a..cv,c .f. 4. t4 do „and t.-,r pnyment.. n ^ice nt .,i., o ar,eer _ ,L nn:f n ,. t. r: a± acee. ration ?i x O? ti r.r Gent 3' Ot c._ r .. in. -J r 1 F: roe D .q.:: it tY - "S 1.1 at :at ., w e t , :u <?t, .i 1 'Vi t ill hr >_t ,.. ,:r ,i .'rope t ry "c'. The following paragraphs apply to borrowers to all stales areal! Wisconsin and yivi, mss: -r.w.,i ;v;i Sec =:,1 t r„antra .. _. , hdr , -- Pilo , d t-I, ut' , io.,ns y1:az _ Louisiana: it sin r e&n i-e , rrir;^ I., dnmrinlc ' ,o o ,01 r, rue, to pay interest until i i.r,gar; ?. ,i,n c'.i in ir•= rtiro.,i. r ,.ra a.r :.oil . , ". ..r , ,ar , i :1rra'.'.,r a'"a r..? tenc. I .. ,.t'.n re, .7 ?''.r ,.h, _^,i',ile i.,r...= r. : s t:e..f .ar- it etpPri`?3bie. ,h i 4 ;tan- went _s r. a P.e.. Yv LOANLtNER` Credit and Securl G{edN Agreement (continued) ability to exercise our rights later We can enforce this Plan against your heirs or at the detauCi rated closed en the Addendum it a demand for immediate payment ! legal representatives. If we change the terms of the Plan, you agtep trial this Plan has been made. your shares and'or deposits can ba applied towards what you owe will continue to protect us. is determmatl by a court as provided in, the section aric ve called "Security" `Ne can also exemtse any other CONTINUED EFFECTIVENESS - It any part of tills Pta,r, rights given by law when you are in deli„ult to be unenlorceaole, fire rest will remain Iii effect You agree the Credit Union has the right to tarse possession of ary pr:tpar^ given NOTICE TO UTAH BORROWERS - This wrinen agreement s a final expression or as security under the Plan, without judicial process, it tills can be done without ' the agreement between you and the Credit Union This wnten agreement pray not breach of the peace. If we ask, you promise to deliver the property at a time and be contradicted by evidence of any oral agreement. place rare choose. It the property is a morrr vehicle or boat, you agree that we may The fallowing is required by Vermont taw - NOTICE TO CO-SIGNER - YOUR obtain a key or other device necessary o unlock and operate It, when you are in SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE Agree. We trial not retde tttThe for any ether property, not covered try. this FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, Agreement, mat you lea eave .nsnsw+e pro,,crty of tna: is attached to :he pr'operty' We i will try to return that property to you or make IT available for you to cfatm THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. After we have possession fit the property we can sell it and apply the money to any ; The following paragraphs apply if you give security in connection with an amou.ntS you owe us. We will give you l iLe of any public disposition or the date after advance under the Plan. They apply to borrowers In all states except Louisiana. which a private disposition will be held. (Jun expenses for taking possession of and Louisiana borrowers will execute a separate security agreement. Borrowers in i setting the property will be deducted from the money received from the sale. Those ? other states may also be asked to execute a separate security agreement. costs may include the cost of storing the property. preparing it for sale and attorneys THE SECURITY FOR THE PLAN - Yot, give us what is known as a security tens to the extent permitted under state taw or awarded under the Bankruptcy Corte 1 interest in all property described in any rccelpt voucher or other document you You must pay any amount that rernairs unpaid after the sake money has been appfted receive for an advance ("The Advance"; The security interest you give includes all to any unpaid balance under trip Plan. You agI to pay ,nlerest oft twat amount at thi: I accessions. Accessions art, linings which are ati acheci to or installed in the property same rate as the advance, or, it applicable, at the default rate disclosed o-i the now of in the future. The w.urrty, interest also includes any replacements for the Addendum, until that amount has been paid I property wttich you buy within 10 days of the Advance or any extensions, renewals The following paragraph applies only to Wisconsin borrowers. When you ate in or refinancing of the Advance. it also includes any money you recehJe from selling default and after expiration, of any right yowl nave un d ei appl-caUt, state aw to cure, you t Me property or from insurance you ha,e on the property. If the value of the property Ye#autt, t . g .,en g lea - i balance u"rrdert#.e declines, you promise to give us more property as security it asked to do so. w^o may require immediate Fayn t c f your ei tepndin s , Pla And soot c ussessio i of property ! rep as scot..,. You may vauantarify give the WHAT THE SECURITY INTEREST COVERSICROSS COLLATERAL PROVISIONS property to us It yew chc e or we °nay seek to take possession of the property t,y -The security interest secures the Advance described in the racefpt, vrxicher or any ;ud+aas process. if we repossess the uroflerty. you .agr e to pay reazVdnaUfg ewpef'Is«h i other document you receive at the time of the Advance arid any extensions, renewals ; incurred in disposing of the pros erty it the pnapcrbi is a "for venicie, "nrsniia home, i or refinancings of the Advance it also secures any other advances you have now trailer, snowmobile. boat or aircraft, you writ also be tAquirr S to pay any costs perrnttted I or receive in the future under the Plan and any other amounts or loans, by S,?rion 4:.2.413 of the Wisconsin Stat°„Ites You must pay any amount that rema;ns Including any credit card loan, you owe us for any reason now or in the future, i unpaid after lite sale money has been applied to what you owe urn-fer the Plan. You except any loan secured by your principal residence, if the properly is household agree to pay interest on any unpaid amc•unt at tlv-, same rate as the advance, of. if I goods as defined by the Federal Trade Commission Credit Practices Rule the i apptrcabie, at the detaull Yale disclosed An tale Adds. ndurn, lntil that amount is paid, property wiff secure only the Advance and not other amounts you owe If the property is tacated outs,uie Wisconsin a the tlirie of defaul3, we may lake OWNERSHIP OF THE PROPERTY -- You promise tniat you own all property you possession of the properly wi.hotnt ,ud£ .a! it {?c+rmoi ed by the ,take where I give as security or if the Advance is to buy the property you promise you will use the property is locate1 the Advance for that purpose. )bu promise that no one e se has any interest in or The following paragraph applies only to Louisiana borrowers: When you are claim against the property that you nave not already told is about You promise not default. we can require imrneClat.;: payment (acceleration) of file entire .in(.ald t to sell or lease the property or to it t as security for a Irian with another Creditor balance under the Plan You waive any r ont you havt. To r;£emanc for payment. niolice until the Advance is repaid You phut xt y cu will allow no other security Interest or of infant To accelerate and nonce hf axolernuon. If im,nebate payment is , lien to attach lo the properly either by your acrlons os by operation of saw demanded, you will continue to p,r i r,,ere t until what you owe has been repaid at I PROPERTY INSURANCE, TAXES AND FEES - You musi malnlain property the apps cabe interest tales In oltect unle:5 a ewtautt rate is disclosed do the 1 Insurance ia,n al; property that you g x as seclinty!In,Ht:r the Plan. You Tray purchase I Adcenduln. It a demand finf ?mrnediatti paymti nt has been made. the Snares and deposits e,+iva* as .?,ct.rlty, 1'c?r the Plan n an fir tzpplidd inwards what you owe. We 1 t41e property insutarx from anyone yo;, chn,Ie who is acceptable to te Credit inchThe amount and crape trio prapu,:y irisur arrce most be acceptaitle to I can tits{ exercise any other rgrits givr_r, li Saw when you are in detauft and our ? us. You may provide the property insurance thrr,?_Igh a ocric'v you already have or ngnts a :der any secCHA agreements u haws iti.,trt f Through a policy you gaff and pay tot. You promise to make the insurance policy CANGELLWG OR CHANGING THE PLAN -The following paragraph applies payable to us and to deliver the policy or proof of coverage to us if asked to do so a on,I to borrowers to tffinois: We have to right tcrnapqn - the terms f the Plan from it you cencei your insurance and get a refund, we have a right to the refund. it the little TO .rme af.er (I you any advance "t-rl rrr;uirio by law. Any cnanr v to the property is but Or damaged, .a. can use the Insurance settlement to repair the ill.. rest mite or oft e.f charges .1ti atspl;t ,J tut to ad v8,nr,es. property or apply it towards what yc J OVVe You autnor!7e us to encorse any draft or i The following paragraph applies only to borrowers in Wisconsin We can i check whim pray be payable to you + oroUr lot us to cnl{rct any refund or benefits due under your insurance policy. You ail I promise tO pay all taxes and lees (like change The teams of The Plan from dine to time in accartirtnce with Section -122,415 of trie Wisconsin Statutes You will be re ifie .-if any change in terms An incxoase'I registration Iced rue inn The property in The daily per odic rate under a variable rate rtorB t rats, is n" %on,idered fa y It you do not pay the taxes or fe son rio drape ty wf eri dole cx keep rt enwre d, we may j change in terms under tna Plan. the can car),.ei ,,, entire Plan or any part of the pay these obligations, but we are not required to do so Any money we spend for taxes, l Plan at any time You may cancei the Plan gat any Time by giving us prior writ!aY7 l t,'s or itlsuran:C will be ridded to the unpaid batarlce of the advance and you wilt pay not ce. Your obligation to pay the unoa d tialanc s ui der l ti(- terms of trip Plan interest on those amounts at trill senor rate you agreed to Pay or, the advance. We may continues whether you or tilt 41 ffdit unit n t Jncel 'he Plan, except to the extent eti.,t tie msu < ur Ilabil t kirnlt sit by Section a22 415r, of the VJi ieonsin Statutes- eeaivs paymenYS w connection with n,, rrr from a company mpaw rh provides the i Y is insurance We ri ty monitor our ;oars for thI purpose of determining wfielher you and l The following paragraph applies only to borrowers in Iowa: We can ,hanQ?e Me other oorroviers stave c mphea wirh the In,iurance reegwrements of our loan agreet:ienis Trerms of the Plan urn r'tre in lime titter gi`iiftry yc., arey advance nolict equiryid ray or may engage others to do to.'Tho .,,surat:ce charge added to an advance may include i la., A na r,fe tha. Increases The ratty of than charge cr either chatrap, that It } true insuranep, company s payments .o ins an-+ iii the Est of determin ny wmplianee Ircrea&I the arneunt I your payr-.c!5. or that otherwir'r3 advpr.oi°£y affects exist rig ! with the insurance requirements V we add amdums for taxes, fees to insurance to The orniancps will attpd{ to ^xistine boa ice only t y, u agree to The change L if you see unpaid batarice of an advance, we i lay crease your payments to pay thi.'t amount ,fie P'an after receiving nchr.e ihoT i`-,,If us : of .h r, PlAn ^e:' ens VOL 'lgrea the added within The term of the insurance or ipproximate :e:rm of the advance. chao,je applies to existing baiances. INSURANCE NOTICE - It you do not purchase the toquired property insurance. ':. The following applies to borrowers in all other states: 'Vie re ii t^e The y. paragraph ,rte insurance we may purer Aso and h ar,le you for wid curer only our interest It the ; I to chartcie the teens of tho Pia,-t wt•h tin c tot rile' afl I-r g ving /VU any ldvance ptUperty The prCmi l for this Insu rant C: may be .^,ig. Fr because the In ura nCe co?ice required by law Any criange in !I!,,, interes! rate N.l apo!y To future advances, company may riave given us trio right to purchase it?,urarce after urrnsured and at our o-scretion and sut)lecl 11o y +gwrc. =cots or a.''pitcable law, will Alin; collateral is lost or damaged. The insurance will not be liability insurance and ;p y f4 unpaid ba antes will not satisfy any state financial responsibility or no fault laws. The following paragraph applies to all but Wisconsin borrowers: An ncrease ul PROTECTING THE SECURITY INTEREST - If ur :iaie issues a tale for the i' r- i k nmc fate indoi c r n3hlr t rikt rat is -tl orsooroc inaii v in } p pope ti Y Iii pront s to nave t 1 an'r n ?t he7iv rri t" I t o II rutty h,ve ,,. rms :,. rrr The P m We c:an .a-cel !"e er ,1e: P r - any .aft o1 the plan at any to ti,.. ,vha, Is lI urr%; ,,t Is , i,rlw'l; • 010-1 r eu se, .urt{ nr,r<.>t ?ram me Ml You may ca: cel . g Pi3'..,, ring ,I e :;,jr r? a t? .is ant:: w+ruttr;o nw.":e. v "'I claims of ethers f ahked'o du -j lint „rn-,rr . , to nar,c c _tat'-meter Yrci PI`?;a1;} s to o", tti, , ipal t !'., al e. ? '1" -01 -0 ill • it tip L .in also rural e •; "7D ':Yh3 .der -e t = ^. n£. c :ry ict r`ru 'e" oui 4e( in^/ •!1U3 r,.,f r ?nib tr?ipGrty fe,.: Jr, .,. ,'r1dl ,, .iti In tr!.rC, .i!II n, In"i,i?,?d ru Fin; DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN - a _ ai Lai attcrr > fees ,.? Ilr,r . ?raD ,jr ?4?ur rr. I??t . r.e pr ::. rtx. 1 r , a .f'_i % `,If` , I' SCI "c:: to tr _ C>• 1 I,..... .. ..st yl.. LOANLINER! Credit and Securt _CredH A-90eemm (continued) USE OF PROPERTY - Jnvi the Aovanre has boon paid off, you promise you vo'ill: f 1 i se file property carefully and keup it :n good repair. 12) Obtain our written permission before making major changes to the property or changing the address where the property is kept (3) Inform us in writing before changing your address. (4) Allow us to inspect the property. 15) Promptly notify us if the property is damaged, stolen or abused. (6i Not use the property for any unlawful purpose. 17) Not to retitle Droperty in another state without telling us. NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE - THE MOTOR VEHICLE IN THIS TRANSACTION MAY BE SU13JECT 1'0, REPOSSESSION. IF IT IS REPOSSESSED AND SOLO TO SOMEONE. ELSE. AND ALL AMOUNTS DUE TO THE SECURED PARTY ARE N'JT RECEIVED IN THAT SALE• YOU &JAY HAVE TO FAY "'HE DIFFERENCE. NOTICE FOR ARIZONA OWNERS OF PROPERTY - !t is unlawful for you to fall to return a motor vehicle trial is suO ect to a security interest, within thirty days after you have received notice of cfelaurt The notice wile tie mailed to the address you gave us it is your respon;ibitr y is notify us if your address changes. TGe maximurri 'This notice contains important information about your rights and our' responsibilities under the Fair Credit Billing Act. Yvru are advised to read your monthly statement and review if for any error discrepancies or unauthui zed transactions NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT. It you think your statement is wrong, or it you need more inlormation about a transaction on your statement, write us On a separate sheet at the address listed on your statement You are req-,led to notify us in writing within 60 days following the date on whrh we ;rnt your staten',irt arherein /tie error Or problem first appeared regarding any 0iscriapdai :y r.,r una j homed itan»acliocs on your account Failure to notify us rn ay result n your acc,.,plane at any responsibli ty trr taayment Of reunursernent to us far any such r rtor ,r otscrepancy On your acc;aunf. White to us at, soon as possibie You ran .elepi-:or.f LIS, niJ ..;1n4 SO vrl'I not preserve your rights. to yCrur letter, give us the tollowing Cnformairon. Your name arid account number ` 'T} e dollar amount of the susplcid error Di scribe the error and <,p ai. e, if roi can, thny you believe There is .in error it i,n1 ttt3e^n More 41britrralrr(m, L1escriber ,7n Irdnl y(', arF- not 'sure about. if ?ou have autnorised us to pay a crodrt card acoc1,11 automalical'.y tram your snare aOrOunt Or che,ckfn^ account you Can stop the payment on any amount you think is wrong. To stop the payment your letter ni sl reach us throe bus'ness days befer9 drat automatic payment is schedu eo to occia YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE - We must ackncv,16oge your letter within 30 days, unless we have corrected the error by then, Within Xi days. we must atthor correct the error or explain why we believe the Statement was Correct penalty for unlawful failure to return a motor verticte is One year in prison aodior a fine of 5150,000. For those members who purchase a vehicle under the DRIVe Program, please review the following FTC Notice: RQTIGF ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. Attar we receive your letter, we cannot try to collect any amount you question, or report you as delinquortt. We can Continue to send statements to you for the amount you question, including finance charges, and we can, apply any unpaid amount against your `i credit limit. You do net have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your statement that are not in question. If we find that we made a mistake on your statement, you will not have to pay any finance charges related to any du tsnoned amo:Jnt. It we didn't make a mistake, you may have to pay finance chatges, 9nd you ivilt have In make up any n,+ssod payments on the questioned amount. In either ails we will send you a statement of the amount you eve and the date trial it +s due, if you tail to pay the arnvurit that we think; ycu owe, we may report you as delinquent. However, I our explanation does not satisfy yc u and you write to us within ten drays telling us that you stllirefute to pay, we must teal anyone we recoil you to that you save a question about your statement. And, we must tell you the name of anyone we, reported you to, We most tell anyone we report you to that the matter has teen settled between us when it finally is, It we don't follow these rules, we can't co;Ierl the first S50 of the questioned amr,unl, even if your statement was correct. SPECIAL RULE FOR CREDIT CARD PURCHASES - It you have a problem will the quality of property or services anal you purchased with a credit card. and you have tried in good faith to correct the probiem w:th the mercriant, you ntay have the right not to pay the remaining amount due Or the property or services. There are two 1 limitations on this right: (a) You most haw) made the purchase in your home state or, i it not within your home state, within 100 miles of your current mailing address, and tb) The purchase pfkie must have heen rrrore than S50 Those Itmitatdorts do not aoply it we fJwn or operate the rnerchant, or if we mailed you the advertisement for the property or services. to this Agraement the words you <Ind your means each ano all of moso who apply Line only by written application to us, wham must ro approved oY our crodrt eornmittee I tot, the card or wno signs this Agreement. Card means the Visa Credit Card and any I or ban officer By giving you written notice we may reduce your Credit Line from time duplicates and renevaals we issue. Account means your Visa Credit Card Une of to time, or with good cause, revoke yawr card and terminate this Agreement, Good i Credit account with us We, us, and ours means this CretYit Union cause inciudes your ta,'iure to comply with this Agreement or any other agreement with 1. RESPONSIBILITY - If we issue you a card, you agree to repay all debts and th us, or our adverse reevaluation of your creditworthiness. You may also terminate this/nt at Finance Charge arising tram the use of the card aril the card account. Far example- Agreemee acc rauntt? n utt termination by either or us does net affect your obiigabon to e yDu are resoorisibte for charges made ly yourself, your spouse and minor chiidron- pay You are also responsible for charges made by anyone else to whom you else the 15. CREDIT INFORMATION -'ion autnonze us to investigate your credit standing ,. , l when Doening. rrr mewing (;I reviewing ),out acc oust, and you author Zeus to disclose card, and aswns brl4}sot}s ?on)iEgtuv.u?t wa..,? Ifl to err it4 ? r ?or nCw?ransaC ens if Yr inforrnatian regarding yor r arcount to credit bureaus and -,IcredlFars who inquire Sa+ roque and return aicards fur bViouiiri i to pay the account balance continutis of Us about your credit sal r,noing eve^ MOugh an agrcc.n ent, dvo)(z 1e r'.roe or utn r roux. )uagment to vihieh rid are 6. MONTHLY PAYMENT - We will nt,ail you a statemr-nt revery month showuig yxir not a pa ry maw jilt. rt ye.: or Ono tie c•iter poise ..: re ?pon ,Ue to pay -'ra account Prov,ious BaLwnces of pur hases and Casn aovancc ih^ current tran_sacrions on yd+ur 1 7ie wards snail .Fur l;rofxrg^ and yor. Us' FOCCvttf a,io ;Urft.ndi " u, us all cardl> ; account. the reinatning credit avallabte under your Gr tit Lire. Ina New Balances of ,;n our regUerir and .ip;7n tc r . ir<at"or , o ??grwgl'h?nt purchases avid rc'.asn advanr 35, 3Ht Total New Riiance. tree Fig mice Charge deg L. :1at.r. 2. LOST CARD NOTIFICATION if r cr r r .aid r t f r on t or stole r - area y oilier biro -0 rrr a, a u hoMinimum Pa • n it req aired r very renal you must pay you •rrrli .n,.a_nate a I n. _ . 444f,i :r(hn 7328 After alTeas tf:e kiln mum Puyrr err vitr..•, „ ' 1a it t.itern t lasing du".C-. By separate i agreurnr r,t you fray citrl0r s tr ? M q" t" I TI nl iu. p 3 1e. lI aLt?'lat?'llty' to ,our • snare ur chcr;Kaig aw?ourr. ,wtn is Vu, .iRr,^^_ of .ay more •rear,.:ntiy_ pay mur(y 3. LIABILITY FOR UNAUTHORIZED USE - %Z>u . ioec R. •a•? 1• us °un_ i.i,c. r ":ray than e ki+n,rnum Paywert. cr pay d,. Tot-'i Nev uai,a-rco on h,a and yc, ww reduce the of u? wrvt+ ,g of the io , in,:ah eir ',,ri-c rt . ;:rd-'rhu ni,air tie lea"d tinani r, charge by ooing so, tr your mon,hly pis'rrc=rrr rune, "W r ttriid VC-0.1 line bas nCO fox tre u,aulinrized 35v Gt yo,.r ,,revs ,^ W ,. , "lot bC liar o for nnaulton --id 21;P owed, we wilt 2 i )112,"[C ally OEPs! the e -fit tai your Si t tin ti kit oia.•rs after you in)tiry us of " i,rs.. I , r,-,y -e ,,nautf T, erJ _ise YOU will nnve I .rhe minimum payment wr ule (a) ^`,, +.,f your - al Ne•.v Balance rounded. up to the na i:abdit*, 'or sn.Ruttiunzed purer si-S -l.r Credit CAr., unkrss you are gros<•Y next even ouiar or it); ,c.?L A vtaich+•vnr .> gr, n err. In add. rn at any .me your <ital neghgen'i rn the nan ; ix3'A your ;;;ar-.' I^ -ryrry , our iiaC irty^ y.l'. not exceed 5550. NMI Balance 4k'L+edS yc., i.r loo L- r _. you mu_t r -,r Tai, tety pay Thfi _V'esB -Jp?'in cur 4. CREDIT LINE - 4} ,•rc? ,t,pr;.vn ,i^.n -r a,ur ,v4 hit) e, ,tat l*ll a se^f. detr <£xrnd. '.h?r w ,I! apply payn _-, , at L h!' ,'r r ,; -n,innor r-rah to previous dare loe5- C?'c'.il&r ,g Lvie Cr.j,' tr.t you 8.r1i1 1(10% ypu a-ncur,t Wcen 3w f>Sl;a via then ,t, JreVioila r.aJrl aet14.i 1^t -.... rl..E .i-%ar ie.: '.lien to ffbJx7ir6 SurcnaSe f r dlip62 ,.ar5 You igr2e ro' ..i e_ hit =n..7.. i.: + ,rte _. oi. 3 this ..^I r,srv?re, r L rte- i:a n ct'arheS '•i+?n fit .Jrtonl .rte rrtrc'n to ,rrr?J Cush _d-m,lce ta;nnces, th8n In . fu,r -„' t ,.y w1,e I,. y..,.u t: v4..r c l -? ;ic :,u ..,; r ?b ra _a ,^ t 1_^ t r ' = ;i rrr^.r _if r prr o?. ;?Urrhs__ ?a ).,rrr in t. _ " t, .. ... .,:r>; ter ^,r r ,,•,c u t TO e..rr^nt cash ... , .. 1 1 r .. 1 *li?.. . , .a b:a.i Visa' Credit Card Areemertt and truth In Lending Disclosure (continued) 7. FINANCE CHARGES -'You can avoid the Finar•re Charge on purchases cy, paying the fuii amount of the Now Balance 0! Purchases each month within 25 days ..if your statement closing date. Otherwise, thA 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 atways subject to Finance Charge from the date they are posted to your account. Purchases: We calculate your finance charge by multiplying the average adjusted daily balance (see explanation below), .ncluding new purchases, for the billing Cycle by T`e monthly periodic purchase, ral and corresponding ANNUAL PERCENTAGE RATE as disclosed on the Adoendurn Cash Advances: We calculate your finance charge on cash advances by multiplying me average adjusted daily balance (see explanation below) for cash advances during the billing cycle by the monthly periodic advance tale and ccrrasponding ANNUAL PERCENTAGE RATE as disciosed on the Addendum. Balance Computation Method Averagil Oargl Ralaill !or Purchases Thr Average Dairy Balance for Purchase Tra factions rs calculated by adding tare Daily Balances (Purchase Transaction) for oacr day in the ti,fiing cycle, and trier, dividing by the number or days in the billing cla To calculate the Daily Balance for purchases each day, we take the bilowing raeps: We takes the outstanding balance tat amounts you onus; at the start of the day Then, in the sequence in wtii;,h amounts air posted to your account,. we add the amounts of aft debits and Subtract the =.mourits of a'I Cl or payments which post to your account that day, After alaplyr r p me its and credits, we subtract the amount of any Iinnard Financ r n rrµas or L.ll Cr urges. Then we also subtract the 3n1,:,un4 of anv Cash Advancu. tr,an„art?crs that posed to your account oft that day or ;h any previous day n the bdiin, cycle. '+ s glu=ts us the Daiiy Balance inn purri'.ases Aw,rage Dairy, &3iall for Cash Advances - gash Advance Transactions vil are posted 10 your aCCclJn; are nor 1ndi-ded n tilt Average Daily Balance calculation for purcinaties, and are therefore not sub;ect to the monthly periodic rate for purchases. The Average Daily Balance s calculated separately for Cash Advances an J is subject to the Cash Advance Monthly Perrol hate.Itie Average Daily Balance for Cash Transa--tions is calculated by adding the Dairy Balances (Cash Transaction) for each day in the billing cycle, and Than divrdbg tyy the nurrber of days ?r thie bluing cycle, To calculate Me Daily B € i a e for cash earn day, we t,aK.e the foi,owmg Steps We take the outstanding balance I, ilr a?t1YL>w 1g yiutl owl)F,1 Mc! Start 9t title day Then in file Sequence in i lCtt amounts are pOS,ted to your account. wta add r,e amounts of all debits and subtract the amounts at all credits or cayments vilcta post fo your' account that clay. Alter applying payments and cred s, we subtract the aniOunt of ,,any unpaid Finance Charges or Unto Charges. Then we also subtract the amount of any Purchase Transactions that posted to your account on that day or in any previll tlay in the bilking cycle. This gives ups the Darcy f3atance for Cast-, Advance Transactions Note: Cash Advances are always subject to finance charges and from the day they are posted to your account. a.a'ynrents are beef ed in the tnl ow nog manner irnt to previous late fees, iften to jifes'ioUS CdSh advances finance nartre5. then to previous purchase finance charges, then to Current fate fees, then to previous casft advance balances, that, to prev'loua purchase balances to the order that they were posted to your account, then to current ca.;h advance ba:ancas, and finer to current purchase balances Credrts all applied first to sine partlcu+ar tyre ,nf ct,bt L: ch is being credited, if any, and then to fhe balance of your account. Note also that 4 he total tit the payment and iedit ill are posted to your ,recount ty the Pay ,rint Clue Date shcivr on a 5tal ;, ,ent s equal to or excl rte N--,A Balance shown Orr Mnl statement w.,- l nor apply the Morthly Parodic Rate ic, vo:jr AcCO"uni on `pnl,r hex ,t.aiemliolr 8. DEFAULT--you wit be rn 7,.,a.,t, if ou fad to l any Minimum Payment wdk:nn 25 days after your monthly statement r.,lusin, irate You authrinze ups to transfer trines : micionr to make the mnimcnl pavirl due it y,uw Visa loan is in dalault. You Will aisc be in default t. your rablity m repay „s s rsiallri,nlly reduced by it cl^rarige in Ya,t r ompioyment. an in'Clenia rr your ?Ibl'rgat-.ns, nirkriptcy or -rifolvency aroceef.7rn__+_, r^VGiy+ng }Oil r.^.,u 'Jest t' Or y?llr fY? lure. d a rte k'ly 1115 AgrE;emerlt< qr hr JFSIUQ 3+ our ger_,,r r, tate,,t ma edar , it r,: n,: 1l hdtti : he l to -Jeir G :.r l ire J iynte^t Of yOL.r t alCl -..gnc:..- ya.. ;tef? -„ :,ut'jert to c,x glVng you ;,any c :;;o requited ny Lew 7:i th,a c.'.,nt permuted by Idly you will,alclo be required to pay our co!lection axpr,rsett; :;I-, ;u*t ano r.aasonabtiy ahorruay leers 9. USING THE CARD - nr eke n t rchaso or cash nn ar re in ra bra tw 0-rnat,ue wo''ed,.res '0 r; fr mv. ld Onr, s fro you to cit.,,}rlY trier 'l !o a parncipat ;g Vow a ;D in mc,nTar:t, cr arc i er ;czar r .a1 ins,,itut.: ano tr,c sales r,.Caribidra: ardr,r w'r,rn, be -rip .till ,,*yl.+ur :J!d_ he Offeri- .ro,-r)lr,,!0 a rrar'o ,:t,on by sv -,'.rut Pa',r.:or>a 1 ;ic !r^c,•+Jn Number (PINS ,ortlnct n iih the "'arc ut ar acrr ira Te tl r K l i if cr l r tape r eft stint., teal that r+ >rJ de. i e ..>s tc , t a s}5 err[ vr, Used w l n,l l ose -,our czra IUr r.'ry 'r3rSfac. -r ,f at k ar•.1. i a.,,N'r,,s,., . +- ford[ .,ace. ,?r ._a! law 7l, rrontl'i ,i,, 4-ern++. t wit -Aen.iry •„u ^ ei tart, •ermrrai or finarrlal si(uw in at n' .r. tr 'u:i.cfons ..c r.. -,tads xd!. ...t ,c at1.3nCO, crl or ,trier ,fP:3 cat,rot I be returned with the statement- You will [slain a copy of Such slaps furnished at tics time of the transaction in order to verity the monthly s,,aternent, The Credit union may make a reasonable Charge for phcfot C+f)irl of slips you may request 10. OVERDRAFT OPTION - It you elec` to o,erdrah rca your PSECU Vsa Credit Card, that election is subject to the existing,l limit and the agreement It represents l and the current loan policy at the time of the overdraft You also understand that an overdraft will be considered the same as a bash advance on your PSiECU Visa Credit Card and that the cur=rent Annual Percentage Rate for cash advances will apply. 11. RETURNS AND ADJUSTMENTS - Merchants and others who honor the card may give credit for returns and adjustments, and they will do so by sending us a credit still which we will post to your Visa line of credit. If your credit and payments exceed what you Owe ul we will automatically post the excess credit balance to your S1 Shares within 75 days. If the balance is one doubt or more, upon your written request, we will refund the credit balance to you 12. FOREIGN TRANSACTIONS - The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa from the range of rates available in wnolesaie currency markets for the applicable central processing date. which rate may vary from the rate Visa itself receives, or a government-mandated rate in effect toy the applicable central processing date, in eacdt rnstanco, an adjustment may be a e lyfd based rn the 11A fee imposed by Visa This tae, which totals 11of the transaction, amount, will be assessed un all transactions where the merchant oou^try differs trom ire Coutriny of tre card issuer 13. SPECIAL RULES FOR VISA PURCHASES - if you disagree or find an error j with a Visairansaction, and have tried in good faith to correct the problem with the i merchant or the charges are the result of un authon-,, ,, fraudulent use or y ;,r purchase, cast more than 550 and was made fm.m a pan mef,;nwi1 in your stone witnrn 100 miles of your tome. contact PSECU, 14. DISPUTED TRANSACTIONS - You arc: required tc notify PSECU in W,,I;ng within 60 days following the date on which we sent yraur statement wherein the error ; or problem first appeared regarding any discrepancy or unautraorized transacLon on your account. Telephoning PSECU does not pr serve yo-_:r dispute fights. You may be required to provide u with doc.irnentahot, to support your dispute claims In addition, you may be required to Complete a =_tandard dispute form outlining the details of your dispute, In eases of fraudulent card use, PSECU will also require a 'l notarized affidavit, In some cases we may ail you to notify the local authOrittes if we ,to not receive the proper requested dreu^ entatior ;ra the time speciffed you i may be held responsible for the Ira rsacflrn(., , question PSECU must adhere to strict dispute timefrarres sel forth by V,s<a. 15. SECURITY INTEREST - To secure your account you gr4ni us it purchase money security interest under the lJnifotl Cornrrrrrcra; Code in a„y' goods you purchase through the account. It you default, we will have the right to recover any of thetas goods which we have not been paid for tf,rough our appicalion of your payments in the manner deseribr=d in the Monthly Payment section. Witt) respect to this account only, we will not asset,, any sta?utory right we may have if you are it, dofautt to proven' withdrawal of your unpiedged credit union shares 3Deposas) below the unpaid balance of your ac=Mount However, if yew give or have given us a spe0d+e pledge of yc,r credit union shares (Deposits) by signing the Pledge of Shares or otherwise, or any other security interests for a; your debts. your account j will be secured oy your pledged shares SGr=poi isy.and by' The property described it those other security agreements. except for year hnrrre 16. EFFECT OF AGREEMENT" - 7nis Agree(»tynt +s Use contract which apphes to all transactions on your account a n>n thougn the sales, cash We credit or other -,lips you sign or receive may contain diflerenl terms 'J+e may amend the Agreement from time to ilme by sent rig you the advance written notice required by 'aw.. Your use or tae card thereafter wii.. indicate mllj agreement to the amendments To fhe extent iris aw perinrts, Sind we indicate .n our , i uu ;a, amend"rents 'ili aop;y 9 10 your existing account oaianC'.c+ a well ss to to a rr ira. sactints 17. LATE PAYMENT CHARGE - if your lv ornum PEeym er t is not received by the %irst day of the month lilywing your dun daate tl vvi I be ?,,bject to a $20 charge 16. RUSH FEES - You may Incur aclditiona osr,lirgr5 f.,r ii3l, pru> essil, and rusn defivery rif cards andror PIN mailer. 19. OVER LIMIT FEE -A 5:'0 tae wi , be dlop' Fd tl ratan MntNy statement tins ing gate . ! on which the ouziandinq balance excilCis thy;, a .agnoo r(,,olt limit by mnre t1+an $1106 20. DRAFT COPIES - You may ml i) .addttionai char,je ii-,r iraasambon ' Stittantafy,%S'a VF.' otaft o cumentatron. 21. COPY RECEIVED --'You ac}nowledsty rerl ' i a nof,y Rf h ; 40reerr•,en1_ 22. ILLEGAL TRANSACTIONS PROHIBITED - 1',u ...:;tee t'nat y:>q rn'I ?r;t use your card for vil+transac vF n that is ,.Iragal unur r ..pf,icable fO,dercli sta-il r, %,x;a', law _ 23. NO USE - inacirve Visa 3crOa,r r; tt,at ha.-e na put t asl of iw' activity matt be wlth.;I n mice tr yea sfle-r r° m.?.nths of ?c act it,, 24. NEURAL NETWORK - PSFC J uses neural l syste.n to :+red r?t and prevent unautr uzerl transaCtrOts i"[ere m_r to u.^castr.nt which : iraniai l,rn rs I ,JM n it 01 rl 'rt i., wdicativt o fl ._c .,:ty V w a L E v 0 !47, C 0 0 0 d P z° 0 m° Y m 7 CO aC00? L+f1aeOJN?B pO.??d QMN tc, _C ° _G j o G O O O O O O O 4 O O O O O O g 0 0 0 0 Eom?e N m0'f NomOV N m,°,? N ? ? °aa M MM MNNNNN--?-?- ^^ e E O Y t i z C d ?- C LL I 3 4 5 aer-.-.--.- ^OTmn .Oerf YttiN p 0 0 0 0 0 0 0 0 0 0 0^ c- O O O D O g ,Q O s O ------------- oooooaoooo--+--?--?-^ 00oooooao= -q-t ?? o Q J o•m? O h M N OP mnw+:i v Mh - 7 -o y ?, o L p ? _E c L a o c u O y s o rn w 5 ? c O V ? 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O U 000000 000000 000000 000000 000006 0 o N MvN OM1M Ao^NMV ?n o?MPo O ^NM VGA ,O M1aDPS00 000000 O^ ^N r O+A PO-AA PAPS '- 225> -r- `v Q: 0 m o m OOOUn^nm ?M VM0M MMtn?Onm O.-VhMM CIO wwWWll A0 v1a ^OA CO 104A aMN?--OP Mhl0 i11QM MN^dAA o 0 ^ ^nhhM1n hh10 ?0 ?oO ?OOO SON NtA V1u1 v1 v1 ?v1?NVc ^.-^ - ^.-r-- u 600006 000060 066606 000000 060606 oC ^NM VN?O nMAO^N Mv?n OM1CO PO^NMa mconMAO .O.q.O .O.O O O ?O On M1n hh nM1M1M1 nCOMCOMM mMmMMA Vl,e ^APMMaOn N,o NCNCKr-nN 6mloM1VG AmMnMA O^na Od N0dmoMOw u'7-oob CO`S P')^ wO PPPA NNwwNN Nu?aa vM MMNNN?- •-0000 P NNNN NCV N.NNN. ... cl!"" N^ ^ U 9 m 000000 600660 000000 000000 000000 .O c- `O naOAV O V ^ a N M IT a v It It a0 AO^IVMV 0n WPO NNNNNN MMMvva v v) tn In u7 u'1 W) 'nNNtn 'n 0 r? L i ddQVihO NOVnhv AO vMwm `ON--MM0 Nnp.M00 uy GOOPNA -howon •oN wgv v vamp.-vn M?-l= p O OMlon MOWlr,vN OP N10 Inv MN^OOA MC-NIO10 O OOM W'1 L/1 lnNaaaa aM MM MM MMMMMN N N NNN OOOOCO OOOQOO GO 000.0 GQ0000 000000 r ^NMV101O nMAO^N Mvtn onM AO^NMV ut.OnMPO ? ? .--?^ -^ ---- ^N(VNNN NNNNNN EXHIBIT "C' " p b IP3 Pennsylvania State Employees Credit Union P. O. Box 67013 PSEC Harrisburg, PA 17106-7013 ADVANCE PROCEEDS VOUCHER 717.234.8484 AND SECURITY AGREEMENT B00.237.7328 MEMSERNAME. ?.^ e: iQ% - r? t '?^ EFC C^,rNlrui)MBE `?J. ?e Iw??.'?'"T":? .?.. w!M .tl';I.. Ra.:. -?.. t:; -? .:. :1tQ1ENV ?. ?c r ; u .`. ._hwi.^I v?4G??'?f?Y :?...?•i. KIMBERLY S BANZHOFF 10/10/20C 0005713340 t 632 DEVON ROAD y CAMP HILL, PA 17011-1620 PURPOSE: AutoCheck Lease Buyout TRA 7YPA ETX)N ? ? ? OTHER ? HOME 1. NEW LOAN 2. LOAN ADVANCE 9. (DESORIBE) 4. EQUITY ADVANCE DI SBURSEMENT BRE AKDOWN AND REPAYMENT SCHEDULE SING&rz G& CREDIT IJFE , YOU HAVE PREVIOUSLY ELECTED TO HAVE THIS ADVANCE CREDIT DISABILITY " I L IN O E JOINT CREDIT UFF.?, NSURED WITH THE FOL OW G C VERAG YEg yes YE C1 DAILY PERIODIC RATE ANNUAL PER- (CHANGE IN TERMS ONLY) MEREST RATE IS AMOUNT REQUESTED ..' ... PREVIOUS BALANCE + OTHER CHARGES AMOUNT ADVANCED _ NEW BALANCE CENTAGE RATE 015726 5.740 % FIXED VARIABLE.. 11 000.00 0.00 - 11r 000.00 PAYMENT DUE DATE PAYMENT FREQUENCY PROJECTED LOAN TERM 211.33 11/9/2006 Monthly SECURITY OFFERED IF THIS IS A HOME EMITY ADVANCE, THE ONLY SECURITY FOR THIS ADVANCE IS THE REAL PROPERTY (IN MOST CASES YOUR HOME) WHICH YOU GAVE AS SECURITY WHEN YOUR ACCOUNT WAS ESTABLISHEOL 1FTHIS IS NOTA HOME EQUITY ADVANCE, IN ADDITION TO THE PLEDGE OF SHARES INYOUR LOANLINER' CREDIT AGREEMENT THE FOLLOWING PROPERTY SECURES THIS ADVANCE. ITEM PROPERTY ODe f •: •'Y - •?ir: : t•. 8E ^? 1 CHRYSLER 2. 3. EBRING 2001 1C3EL55U81N728583 CPE 12,830.00 4. OTHER YOU PLEDGE SHARES AND/OR DEPOSITS OF $ IN ACCOUNT NUMBER OLD ACCOUNT/LOAN NUMBER A PAYOFF WRING. + INT.) OLD ACCOUNTA.OAN NUMBER (B) PAYOFF PRINC. + WT) OLD ACCOUNTAAAN NUMBER (C) PAYOFF (PRINC. + INT.) OLD ACCOUNTA.QAN NUMBER (D) PAYOFF (PRINC.+ INT. OLD ACCOUNTA_OAN NUMBER E PAYOFF (PRINC.+ INT.) OLD ACOOUNTA.OAN NUMBER PAYOFF (PRINC. + INT. By accepting the proceeds or by using the funds advanced and deposited into your share/share draft account, you agree (1) that the property referenced above will secure the advance and any other advances you have now or receive In the future under the LOANLINER° Credit and Security Agreement (the Plan) and any other amounts you awe us for any reason now or in the future In accordance with the terms of the Plan and (2) to make payments as disclosed above in accordance with the terms of the Plan. V U" MUMAL eROP, 19M, 9Y. K B5. 99, 99, 9. MM. 01.04, 00, ALL RIUMis RESMEO PENNSYLVANIA STATE EMPLOYEES CREDIT UNION FORM #3175 JVXX010DA 037-2092.1 (8/06) SCANNED SECURITY AGREEMENT In this agreement all references to Credit Union, we, our, or us means Pennsylvania State Employees Credit Union and anyone to whom the Credit Union assigns the Credit Agreement which will be referred to as the Plan. All references to you, your, and borrower mean each person who signs this agreement. All references to the advance mean the amount in the box labeled Amount Advanced. This is a multi-state document which may be used to lend to borrowers in all states except Louisiana and Wisconsin. 1. THE SECURITY FOR THE LOAN - By signing this security agreement in the signature area or under the statement referring to this agreement which is on the back of the check you receive for the advance,. you give us what is known as a security interest in the property described in the Security Offered section on the reverse side. The security interest you give includes all accessions. Accessions are things which are attached to or installed in the property now or in the future. The security interest also includes any replacements for the property which you buy within 10 days of the advance or any extensions, renewals or refinancings of the advance. It also includes any money you receive from selling the property or from insurance you have on the property. If the value of the property declines, you promise to give us more property as security if asked to do so. 2. WHAT THE SECURITY INTEREST COVERS - The security interest secures the advance and any extensions, renewals or refinancings of the advance. It also secures any other advances you have now or receive in the future underthe Plan and any other amounts or loans, including any credit card loan, you owe us for any reason now or in the future, except any loan secured by your principal residence.. If the property is household goods as defined by the Federal Trade Commission Credit Practices Rule, the property will secure only the advance and not other amounts you owe. 3. OWNERSHIP OF THE PROPERTY - You promise that you own the property or if this advance is to buy the property, you promise you will use the advance for that purpose. You promise that no one else has any interest in or claim against the property that you have not already told us about. You promise not to sell or lease the property or to use it'as security for a loan with another creditor until the advance is repaid. You promise you will allow no other security interest or lien to attach to the property either by your actions or by operation of law. 4. PROTECTING THE SECURITY INTEREST - If your state issues a title for the property, you promise to have our security interest shown on the title. We may have to file what is called a financing statement to protect our security interest from the claims of others. If asked to do so, you promise to sign a financing statement. You also promise to do whatever else we think is necessary to protect our security interest in the property. You promise to pay all, costs, including but not limited to any attorney fees, we incur in protecting our security interest and rights in the property, to the extent permitted by applicable law. 5. USE OF PROPERTY- Until the advance has been paid off, you promise you will: (1) Use the property carefully and keep it in good repair. (2) Obtain our written permission before making major changes to the property or changing the address where the property is kept. (3) Inform us in writing before changing your address. (4) Allow us to inspect the property. (5) Promptly notify us if the property is damaged, stolen or abused. (6) Not use the property for any unlawful purpose. 6. CONSUMERS' CLAIMS AND DEFENSES NOTICE - The following paragraph applies only when the box on reverse side is checked. NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 7. PROPERTY INSURANCE, TAXES AND FEES - You must maintain property insurance on all property that you give as security under the Plan. You may purchase registration fees) due on the property. If you do not pay the taxes or fees on the property when due or keep it insured, we may pay these obligations, but we are not required to do so. Any money we spend for taxes, fees or insurance will be added to the unpaid balance of the advance and you will pay interest on those amounts at the same rate you agreed to pay on the advance. We may receive payments in connection with the insurance from a company which provides the insurance. We may monitor our loans for the purpose of determining whether you and other borrowers have complied with the insurance requirements of our loan agreements or may engage others to do so. The insurance charge added to the advance may include (1) the insurance company's payments to us and (2) the cost of determining compliance with the insurance requirements. If we add amounts for taxes, fees or insurance to the unpaid balance of the advance, we may increase your payments to pay the amount added within the term of the insurance or approximate term of the advance. 8. NOTICE - If you do not purchase the required property insurance, the insurance we may purchase and charge you for will cover only our interest in the property. The insurance will not be liability insurance and will not satisfy any state financial responsibility or no fault laws. 9. DEFAULT - You will be in default if you break any promise you make under this agreement. You will also be in default if you are in default under the Plan. If you are pledging property, but have not, signed the Plan, you will be in default if anyone is in default who has signed the Plan. 10. WHAT HAPPENS IF YOU ARE IN DEFAULT - The following paragraph applies to borrowers in Colorado, District of Columbia, Iowa, Kansas, Maine, Massachusetts, Missouri, Nebraska, South Carolina and West Virginia: When you are in default and after expiration of any right you have under applicable state law to cure your default, we can require immediate payment of your outstanding balance under the Plan without giving you advance notice. The following paragraph applies to borrowers in all other states: When you are in default, we can require immediate payment (acceleration) of what you owe under the Plan and take possession of the property. You waive any right you have to demand for payment, notice of intent to accelerate and notice of acceleration. The following paragraphs apply to all borrowers: You agree the Credit Union has the right to take possession of the property without judicial process if this can be done without breach of the peace. If we ask, you promise to deliver the property at a time and place we choose. We will not be responsible for any other property not covered by this agreement that you leave inside the property or that is attached to the property. We will try to return that property to you or make it available to you to claim. , After we have possession of the property, we can sell it and apply the money to any amounts you owe us. We will give you notice of any public sale or the date after which a private sale will be held. Our expenses for taking possession of and selling the property will be deducted from the money received from the sale. Those costs may include the cost of storing the property, preparing it for sale and attorney's fees to the extent permitted under state law or awarded under the Bankruptcy Code. The rest of the sale money will be applied to what you owe under the Plan. If you have agreed to pay the advance, you will also have to pay any amount that remains unpaid after the sale money has been applied to the unpaid balance of the advance and to what you owe under this agreement. You agree to pay interest on that amount at the same rate as the advance until that amount has been paid. 11. DELAY IN ENFORCING RIGHTS AND CHANGES IN THE AGREEMENT - We can delay enforcing any of our rights under this agreement any number of times without losing the ability to exercise our rights later. We can enforce this agreement against your heirs or legal representatives. If we change the terms of the Plan, you agree that this agreement will continue to protect us. 12. CONTINUED EFFECTIVENESS - If any part of this agreement is determined by a court to be unenforceable, the rest will remain in effect. the property insurance from anyone you choose who is acceptable to the Credit Union. 13. NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE - The amount and coverage of the property insurance must be acceptable to us. You THE MOTOR VEHICLE IN THIS TRANSACTION MAY BE SUBJECT TC may provide the property insurance through a policy you already have, or through a REPOSSESSION. IF IT IS REPOSSESSED AND SOLD TO SOMEONE ELSE, AND ALL )olicy you get and pay for. You promise to make the insurance policy payable to us AMOUNTS DUE TO THE SECURED PARTY ARE NOT RECEIVED IN THAT SALE, YOU ind to deliver- the policy or proof of coverage to us if asked to do so. MAY HAVE TO PAY THE DIFFERENCE. f you cancel your insurance and get a refund, we have a right to the refund. If the 14. NOTICE FOR ARIZONA OWNERS OF PROPERTY- It is unlawful for you to fail to xoperty is lost or damaged, we can use the insurance settlement to repair the return a motor vehicle that is subject to a security interest, within thirty days after you )roperty or apply it towards what you owe. You authorize us to endorse any draft or have received notice of default. The notice will be mailed to the address you gave us. It :heck vthich may be payable to you in order for us to collect any refund or benefits is your responsibility to notify us if your address changes. The maximum penalty for lue under your insurance policy. You also promise to pay all taxes and fees (like unlawful failure to return a motor vehicle is one year in prison and/or a fine of $150,000. 'clot nnnne-rsrv n?nn nenrenn. net rnn nr..r....? nr...- ... ... ......-- -..._ . __________ -y P,ENNSYLVANIASTATEEmPLOYEESCREDITUNION' CASHIER S'CHECK, .o.m Mailing Address: - P.O. BOX 67013 .-?-; •17106.7013 ?. ,HARRISBIIRG,.PA. ? • c :i; . N0. 2204405'•+' ??:• •; ,? ?,c•. .,;? ?v! ?. . ?; \?. ?'? .. ?? 1?' •. ??` ,. ; '_•y DATE \? 10/10/2006" `o .,.PAY-`, ?-, r,., `,t• 1,: ,,'. $ 9:573.50,.. NINE THOUSAND FIVE HUNDRED SEVENTY THREE DOLLARS AND.SO CENTS TO 'THE ? • . ' •, ! \` , t ., . ,. ER? 4KIMBERLY S'BANZHOFF o PENNSYLVANIA STATE J:. - EIAPLDYEES CREDIT UNION OF AND FIRST COMMONWEALTH BANK' VOID AFTER 90 DAYS ACCTN 1250771070_ . AU ORO:ED SIGNATURE 11'.2.20440.5„' ...1: 23.138 i 11 61: 1 26 1.2-41N_.!..4. e':0000957.350. Li .-Misk It :€ m 9 t S B t4'i rt fRt eiC ?? @ i s °I "° y= f Sk CH! 's9°$ ? t-apIll z4Ur?r- o£E¢ • ° zz g??_?li?? is? °q.11°°45 ' ?"?g?' =QtE7i?£??FVG•o?? ?'i? ?'] cs°.?s?Y?E fs i. r It M1<@? _ IN 5; L i sg ;? ?3f o 9pe L V64 002 :'0 0 r 4's c 1,. gc;r-Aq a m 20 11 02 94 2fjf??27.1311 its ?-A -.02 LI 211i .1 3 CCC die a; ?= S s z I s c- 1 _n e r?$ All Ir 60-911112313 '•PASTATEEl.1PL6YEESC9EDITUNION -/ '•PS•EC' -' - ,•e. 1CRE01T.UNIDN PIACE J NARNSBURQ PA 17110 r._ !•'•„ ,I CREDR UNION PLACE. HARRISBURG, PA 17110 DATE ` - , .!80 -.23J 118 NATIONWIDE No, NEW LOAN, 10110106 00 2201406 j CASHIER'S CHECK ..$1.'426:50 '++ ++ ONE THOUSAND FOUR HUNDRED-TWENTY SIX DOLLARS-AND 50 CENTS PA STATE EMPLOYEES CREDIT UNION `KIMBERLY. S HANZHOFF • . ' - - - ,PAY ._... 1 {. TO THE _ .. ! ORDER OF ?- ,.,..a - . . 11'_220,440611', 1:-2,3138'1.1.1.61:.:';. ,. 61261.26-L24p'._ 4!._@IE0000'i426.50EI'' .... ` .. •. .I - .. I :r Mm ? m g ° F EL1a 3 'R 's P3 ?a'po ;s 7e,137 IG120E 766 74:47 &QLLGIG E": i 5 EXHIBIT "D" A PSE Pennsylvania State Em,Ployees Credit Union Pp. Box F7di3 • Harrisburg. PA t 7fI7'1_7Ut:i I 1?1711234-5484 Harrisburg 1800; ;1.77-73A9 Nationwide Loan Disclosures This LOANLINEW Credit and Security Agreement, which inck,des line Truth In CREDIT INSURANCE - Credit life and,or credit disability insurance is optional Lending Disclosures, will be referred tel as the Plan. The Plan documents include this ' under the Plan. if you qual,fy for and purchase the insurance from us, you authorize agreement and an Addendum You your and borrower mean any person who signs us to add the insurance premiums monthly to your loan balance and charge you the Plan. Credit union, we our and us roan P ECU or anyone ao avian, the Credit Interest on the entire balance. It you elect credit insurance, your payments may Union transfers its rights under the Plan increase or the period at Time necessary to reoay your advance may be extended. j HOW THIS PLAN WORKS - his is an open-end, multi-featured credit plan. We The credit insurance rates may change during the Plan. It the rates change, we will anticipate that, from time to time you ,vii; borrow money (called "advance s°I under provide any notices required by apps cable raw the Plan. We are not required to make advances to you under the Plan and can ! PERIODIC STATEMENT- On a regular oasis you wlii receive a statement showing refuse a request for an advance at any time. The Addendum describes the all transactions under the Plan during top period covered by t e statement. different types at credit (called "subaccounis") available under the Plan, the current Statements anti notices will be sent to you at the most recent address you have interest rate far each subaccoun, expressed as a daily penod'iv rate and given cis in writing. Unless applicable lacy require;, notice to each joint borrower, corresponding annual percentage rate and other zrlargos. it fray also have other ^,otiCe to any one of you ^r ti be notice to all. terms and a schedule for determ ring tt,e payment amounts- JOINT ACCOUNTS - it this is a joint account, each of you is individually and jointly CREDIT LIMIT - We rnay. but doi not have to, establish a credit limnt on certain responsible for paying ail amounts owed, That means we can enforce our rights subaccounts. of a credit unit is set for a yubat:court you promise not to exceed the under the Plan ,?lajnst any one 11 you individually or against all of you together- If you established credit lim If you exceed the tYEadn l.reit. yde prorr,t e tr> repay give a inconsistent,nstructions, we can refuse id follow your Instructions. Unless our mmedratety the amount which e xce ids the credit i In:! wriltert policy requires all of you to sign for an advance, each of you authorizes the REPAYMENT -'rou promise to r,?pw ill nmouni rru nwa under the Pian plue otheris) to obtain advance,, ,nderidur y an o a roes to repay advances made to the ^teresi Payments are our! ,n ne asf di:,y oft r, min r,n unless we set a different day othetisi. Any joint accounihnlder may terminate the Plain by g.v,ng us prior wrmen . at the time i of an advance. 1± the Atid< rd,.iri r,a no payment schedule tot a notice. It any of you terminate he P , n, the Plan is terminated for ail of you. You suopceouril, yrour payment evil[ be. de*rerrn ned at, the time of each advance- I rema,r, f,;rble tndivicluatIv ar d Ini ity c r all advances 'n'urred before iesminat,on. Payments must include any amount past due and any amount by whim yctt, nave FEES AND CHARGES - it vcvu give cis a security interest in certain types of x-eeacTii any credit I err t you rave _^eer y vent for a, subacccunt You may rr,pay a,i property, we may charge you n tiling fee to perfect our interest in the property if we (it part of what you owe at an, InN' wiinout any prepayment pena iy. Evert if yuu I do, the amount of the fee w l} he disck-rsed I you at the time you obtain an advance i gu'arly scheduled payrnents vale n Vya may also charge you other fees I : connection with the Plan.. Our current teas ate t. rep" ay.you will stilt be requirw to make trio re we agree a writing to a change if, tai; pay.t,rot schedule. If you have a pa ? disdC ed on the Addendum and will be added Ic your loan balance unless you pay 3haredraft account, you wit W responsible for paying afi overdraft advances , them In cash. obtained by a oint holder of :he srafediaft accoun . Un;ess otherwise required by ! UPDATING CREDIT INFORMATION -'you pr uttise that you will promptly gee us aw, payments will be applied to a,mca,nis owed ark r t,f,;1 Plan, in the manner ttlo written notice It you move change your creme or employment, or if any ether . Credit Union cheeses. information you provided to us changes Upnn our request, you also agree to i PLAN ACCESS -You can obtain credit advances in any manner authorized by us. It i`. provide us updated financial Information. we aflow you to use you,, ATkVDehrt card in access the Pian, yr,u may be liable for the DEFAULT The following paragraph applies to harrowers in Who. Kansas, unauthorized use of your ATM Deb+? crrd Yo. oil? rot be table for ,lnaut surized use ! Maine and South Carolina: Yoe will be in default if you do not make a payment of after that occurs us you you us oreou rt to writ, of the loss, to ft or stol yen, the amount required when i is due 'too will also Pe in default if we believe the unauthorized use. P you c ?l nrve your ,linIiing G wf ( wi it card has been test stolen, prospect of payment, pertr,r.na ;e. or reaezat cir on any property given as security imrr j wdiatefy inform the. Gredi'rUnlan Cflt ca ,ling us of the Telephone ntinibet 1" I address 'hat appears r ?,ewnerr in trr PI ins s,gn ficantly mpa fed L r If trio card used to obtain a.7` antes d1,Nefrom f? P.a, your ,a;,uty +ii not ex Feed S50 It mn unauthorized g paragraph applies onty to borrowers In Wisconsin: You will be in t y e unauthorized The latlawrn w u drav>3i is iron, a shar,,draft acc _,m, y,.ur nbllrT, is _ovarr ,I'd Lin the Regulator E defauf, it you fait to make a paynterw when due two times during any 12 month J,,r:,:sWes YOU received ,it t? , n yt,u rec.t ve?d ,our ATh4: Debra -, erd, even n I period You wili Ue In oelault if breaking ary orornise made tinder the Plan materially 1 witr.7rawal resuits in an a iiva,,t e be.nn rr , ,e iron; y, ,ar art!cf;al sobacaount. i impairs your abilar to repay whai you owe or mavena'ry impairs the condition, value. FINANCE CHARGE he d l ar a-rrour t 4 u pay for money borrowed is cairrid a 'or protectcgn of or our right in any t.r ,psrtwp you gave is socurity. '7nanc;e change' and twgius on the date of acn advance, A ,Inar;e chaygo will be i The following paragraph applies only to borrowers in Iowa: You will be in computed separately for each separate balance under fire Plan. To con'fputP the I default if you are more than 14 days late in making a payment You will also be in finance charge, the unpaid balancs+ tier each say since Tour last payment lot since: j defautt it you do not comply with the terms of the Plan and your failure to comply an advance if you have not yet made a payment) is multiplied by tfie applicable daily i materially impairs any property you gave as security or your ability to repay what you per:Odic rate. The sum of these amount, is the finance charge owed, , rte balance ? ewe under the Pliin. used to cornpute the finance charge is tt e un aid balance each day after payments The following paragraph applies to borrowers In all other states: You will be in and credits Ir, that balance have been subaacied and any additions to the baianoe default if you do riot make a Payment of the amount required when it is due. You will have been made. In addd,on to mterest. ,ve may Charge other finance Charges whu: h . be in default if you oreak any Promise you made under the Plan or if anyone is In are disclosed on line Ad=dendum. 11 the ,vaetest rave is a variable interest rata, the i default under any security agrosmerit made In connection with an advance tinder Addendum explains how the vanacle 19!erest rate worts, the Plait. You wrfl be in default it you de file for bankruptcy, become insolvent It you SECURITY -lbu pledge as so,•unfy for the Plan all shares and dividends and, if any make any false or misieoding statements In ary credit application or update of credit all deposits and oterest it al; pt€ t am. t [ri.,r,ld..'-1 m,.,.cuo s vtau , save with ua raw and inlotmatior, of .` s,oyrnething happens we believe may suhstantlally reduce your ; IT, the fuuue if a specific d,>, _tr an")urt s Riecig-1 for an acrvanco we Toil aa?zz abAl ty to repay wnar, Vela ewe You w,il tie :n deta,,lt ;t any property you have given shares iri tt,at account to itsa exler;t rt ' - 1, i dinq hafnnce ter u,," addanca- cs as spcurtty +;; repossessed t?y sorntwie else, se ..rod under a forfeiture or sin tar Oiheratst-, your p!»dgeo ;Bates ri c=a, wit^n,:w, .1rI Mess you are in default The 1 law, or if aniining else ?-,appens trial tilgnr icier i,, atf_ t13 the value 01 the property or following paragraph applies in all states except in Ohio, Rhode Island and our sear tv intti,rest Ir t. Yr , will al>,o oe m jola i,ti under trier Plan it you err, in default Massachusetts: We have a sta.utr •s liar on trio ,hares and dividends and it any, itt-=. i under any rimer roan ei*9reement with us. - depcsits and ,)forest in ail rd > doia' anti joint accounts you nave will' us nine may ACTIONS AFTER DEFAULT - The following paragraph applies to borrowers in ex wise ojr rights ndw the lien a the. al aw per t ed by State aw. (WE) are stater ' Colorado, District of Columbia, Iowa. Kansas, Maine. Massachusetts, Missouri. .,rarYrred If u.;r name does _i =n,. u(i< the term F,.tteial Curemt Union) For alt ! Nebraska. South Carolina and West Virginia: When you are in default and after borrowers: The statutory lien andior your pledge will allow us to apply the funds 'i eipoat,on of any nght yon, nave .,nder applirAr)e state (Aw to cure your default, we can ! in your account(s) to what you owe when you are in default The statutory tier rind daivand rnmed uN paymsen? of the : ntir•t: dncaid bsi :rice under the Plan w thous tots pledqe do not apply ,o any Ir ;ieuat Ret,rwmeant Account or any o,t,er acuourt cienia you mmvan e ncatic0 that wduln c vi spoltill tax tic a"TrI wrf,, r si:oe or f .rdera! taw if .1:ten tie tee vrty ; bv. re. ,into at the time of an adwanca if if ! ThefollowingparrgraphappliestobarrowersinallotherstatersexceptWisconsin Add,:iai socially tdl t . fJla ,1 u and Louisiana t Juor ,n. J are n d f , w rerqure ,mrnediaie payment vivo. 'a rt 7 g,..", nest rl vii tf .. <r c.l re vpi n h,?ia, .dkl , ,. Plan You waive any right you have >bCaCCO ?r t 3,enid, a vn_ Pc'v ,rt', as " atnm) of t r typtt A O ppl2ov as .ccu,wj .nun rot. -tit :n :tc..an, . meter ,tue s,,Jdanderr,tnd i ur•of aeteerat0n C t rt iT? t .? 7 a rf .?[ nu must rCa e ,u?r p., T'?.t_ n,?h, e Nf tic r. O d-c ,',r nt ..?, P Op.,r v , o,;, The following paragraphs apply to borrowers in all states except Wisconsin and ; r -c. f lie pn ms . s f n r d,if ie :1 ntnu to ply Irtemsl until p , it .v „ tin Dui r nt , Louisiana If it . . , , , a, e a t r .. , 1 i,.. ?. e .:,I ar•,?-r r _, . . n . , .. ea r, . , , , , C1. n.. , .,ao•el r ... ,r eK t x it i iPii..gble -v Ail, Sacurfy Crodit Agieemertt, (continued) ability to exercise our rights inlet. We can en'r1r ?e this Plan against your heirs or LOA/JLINEfi Credit sad at the default rate drscbs>fro ran the Addendum, if a demand tar mrnediate payment I legal representatives- if we change the terms of the Plan, you agree that this Plan has been made, your snares ardror depos is „an be applied Towards what you owe will continue to protect us. as provide-l in ine sectatrn above called e ,,;city' We can aiso e,,erclse any other CONTINUED EFFECTIVENESS - If any part of this Plat; is determined by a court rights givun to law when you are in Oefar to be unenforceable, the rest will remain in effect You agree the Credit Union has the rig'rt to ^:ake pnrsession of ary properly given j NOTICE TO UTAH BORROWERS- This written agreement is a final expression of as security urger the Pian, waitho^.;t ludtciai process, if this can be dofte without the agreement between you and the Credit Union. Tries written agreement may not breach of the peace, it we ask, you pro'^ise to deliver itle property at a time and j be contradicted by evidence of any oral agreement. place we choose" if the property is a motor vehicle or boat, you agree that we may i The followiarp Is repaired by Vermont law - NOTICE TO CO-SIGNER - YOUR 1blaw a key or other device necessary to unlock and operate it. when you are to SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE Agreement, We will not responsible insia for any ether property, not covered by this f FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, Agreement, that you leave inside the property or that is attached to the property, We ; will try to retwn that property To you or make a ava table for you to claim. THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. After we have possession of the property, we can sell it and apply the money to any ? The following paragraphs apply it you give security in connection with an amounts you owe us.we witi grvo you not ce of any public disposition or the date after advance under the Plan. They apply to borrowers in all states except Louisiana. which a private disposition will be acid. Our c--penes for taking possession of and , Louisiana borrowers will execute a separate security agreement. Borrowers in se1ing the property will be decucted fro the money received from the safe. Those 's other states may also be asked to execute a separate security agreement. oils may inrlude the cost of staring rhri nraperty, preparing it for sate arrJ arorney THE SECURITY FOR THE PLAN - You give us what is known as a security fees to the extent permitted under state v. ur awarded under the Fan4rrupfcy Code mieresf in all property described in any r jCeipt, voucher or ern€r document you {C„ roust pap any a:'rtuunt that remains unpaid after the sa4t9 moony has been applied receive for an advance Cihe Advance"), The security interest YOU give includes a'I to any unpaid balance. unoej The Piar,. l'cli agree to O ay inleiest pal that amount at the accessions. Accessions are things which are attached to or installed in the property same rate as Ma advance. or. 'd applicable at the default rate dt'dosed on me now or in the future, The security inleresr also includes any replacements for the Addendum, u^til trial amount has 011 pa;d property which you buy within to days of Ire Advance or any extensions, renewals The following paragraph applies only to Wisconsin borrowers: Man you are in or refinancing of the Advance It also includes any money you receive from setting defaur, grad after expiration Of any right yox: have under applicable state taw to cure your I the property or from insurance you nave on the property. It the value of the property f default, we may require immediate Laymie t of your outstanding loan balance under the declines, you promise to give us more property as security if asked to do so. IIII P?an and seek po assrrni of pror•rty g,v n as se unity. Ydu may vbluntaiiy give the i WHAT THE SECURITY INTEREST COVERStCROSS COLLATERAL PROVISIONS 1 property to us d you choose or we inns seek to taFe poi essnn of The property gy _The security interest secures the Aovarce described in the receipt, voucher or any j jud+rdai process if we repossess me oti you agree to pay reasonable expenses other document you receive at the time of the Advance and any extensions, renewals incurred in disposing of the pfcoafty, if file prrup<;>r'ty s a motor vehk iii mobiie home, 1 or refinancings of the Advance it also secures arty other advances you have now j trailer, snowmobile, boat or alien&tt, you will also be r<<quired to pay an acts permitted I or receive In the future under the Plan and any other amounts or loans, , by .Sect+or, 422,413 of tha Wiscl)hsin Statutes. You must pay any amount that Tema ns including any credit card loan, you owe us for any reason now or in the future, unpaid after the sale money has bli applied to v.hat you owe under me Pian. Ybu except any loan secured by your principal residence. It the property is hour ihold agree to bay interest on any unpaid amount at tar sane rate a the advance, Or it 1 goods as defined by the Federal Trade Commission Credit Practices Rule the applitable at rl+e default rate C selosad on the Adde dura:, until that amounts paid property *4 secure only the Advance aid not Other amounts you owe if the pigpens is boated ouis»dc, Wisconsin at the time at default, we.. ma; to«€ OWNERSHIP OF THE PROPERTY 'eou pic-nise that you own all property you I., l:russessicn of the property n ttiour if rermtned by tht. state where, , give as security or it the Advance s to buy the property, you promise you will use the property is located. the Advance for that purpose. You promise that no on else has any interest in or i The following paragraph applies only to Louisiana borrowers: When you are in j claim against [ne property that you have not already told ,is about You promise not default, we can require immediate payrrlent facceletanor) of the entire unpaid 4 to sell or lease the property or ro use it as security fbr a loan with another creditor balance under the Plan, You waive any right you have to ceni lot payment, notice until the Advance is repaid You promise you w!il allow no other security interest or of intent to accelerate and notice ,?f acceleration. If immediate paymenl is I lien to attach to the property either by your actions or by operation of law, demanded, you win continua to pay interest until what you owe has been repaid at PROPERTY INSURANCE, TAXES AND FEES - You must maintain property the :apps cable interest rates in effect unless a default rate is disclosed on the II insurance on all property that you give as sfeunty under the Plan, You may purchase li Adderndurtt, I+ a demantl for €mmeliate payment fins been made, the Shares and i the properly insurance from anyone you choose wrso is acceptable to the Credit deposits given as SOCUrity for the Plan can be acplied towards what you owe. We i Union- The- amount and coverage of the proper *y insurance must be acceptable to can also exercise any otrier rights given by l:aw v hen you are m detault and our us. You may provide the oroperty klsurance through a poiiry you already have. or rghts urger any security agreements you have with us thruugl'i a policy you get and pay rr You prone to make the insurance policy CANCELLING OR CHANGING THE PLAN - The /oolowing paragraph applies payable to a a! Id to detivet the policy or t`rUOr of average to us if asked to do so, only to borrowers in Illinois We t:eve t u rig a tc rriange the terms of the Plan from it oia c ace your rnsura c ono get a h,fi;rC :e i<,ve a nigh*. to the refund if the rime to time after grv.ng you any acpvanC n tiCe rncju i,?d ny law. Any Cnange TO fie y Inierersi rate or Gather char es w 5p o ur,Jre acivanGC3;,'_ I property is lot or uantiaged, we can ucu tIv Insl,ranGe Settlement to reps r the r g es property or apply it towares what you owe You euth inTe ;s to endorse arty draft rho following paragraph applies only Time in accoborrowers inrdance wwi!it SCt. .eisconsin:.n -ewe22 415 can check which may be pay ble to ,io i r, Order Icy its trt coi t any refund or ocn fits i charge ilia ter its of the Pian iron! nine to tim due under your :rtsuiance a.kcy. aisa 'titian :5.. tU pay all taxes and lees, Re Rei yi of tl?.a 4 sco^sin Stti:rtes. ',cu will be ro fling of art rftanrda i terms An increase regrslratlon fees) iduf, on ie pfo in ne railY nsr rioth rare wader a variable rate a teresi rate is riot u?:nsidered a _ n, r^f when due or keep itlnsurcd, we ay , farats o the 1 c.tange in terms u dvr the Pan Yv' c n cartel tiie Pritup Plan or any part of the If pay ycu do these "I obligations, p ai the gations, taxebuts1r we are not r_riukred to do so Any money we spend for taxes . unpaid the Plat', Plat', at any time mo b by giving rs prior written. i fees or insurance will be added if the unpaid ual?ance of the advance and you will pay thcee l t noPiantlcla at Your any time. OYou r- to ay pay car Pian. ©xe.op, to the exec=nt ,hat f trterc?t on those amounts at the same rate you agreed to pay on the advance. We may conti.nues whether y r you u 4nr Vie rradit anti^r car-el el the r- the under the lanai of the Plan j your habr[tty'.s !im!ted b v Section 4=2.1 .55 of the Wisconsin Statutes. receive payments in connection ^,wth tt r surer „e from a company which provides the l I insurance we may monitor our loans„ 'or the purpose of determining whether you and The following paragraph applies only to borrowers in Iowa We cart c:-ia,nge 'dle 1 Mher borrowers have como d with ine inswance requirements of our ban agreements i leans o' the Plan ; m tinie time amftei ji 6•q you any advance nohc? inquired oy or may engage olho(s to oo so The insurance charcle added tc an advance may inotude ? ir'at . s p aymorits sous and` 1 i the cost of determong compliance is^a. A mange that increases tr.p rata a ' r.'an i r nary e ut other ,`large, (t) the insurance company increases the arroum of your cayments ;7r that C herwl9rm adversely ath;rts existing with the insurance requiremem,. if we acid atrounis ice taxis, lees or -nsurance to lie t)aianCp$ wilt apply to eki.Iin{r e3^ar r? Jrly < yogi a rG' to me hinge Cisco use unpaid bEiUnct, of an aitvanoe, v& may increase Vciur payments to pay thin amfi the Pfan after receiving notice trial V,),;, r: _u e' 'vie Pian means yoi; agree the added within the term at tr,e insuii or aporox'mate term of the advance. nange appii:ra to easiing batanr:ns INSURANCE NOTICE - If ycu do not purchase the r tlu=red property insurance. The following paragraph applies to borrowers in aft other states: roe rnvo ?;o- Mo r1 urancf; we may puronase ann _hnrer you for wt cciver only our interest in th<? r v$iit tp Ci the terms ot'he Plan fr, fitrrc to U.ne after hying you any a0vani c' prolJeriv. Tne premium f<_:r this insur ince^ may ne i'gh?f berause the insurance ^,a=c.e require=d by taw An,, rnan?a do to 0t6 test rate wal apply TO future advan(i company inay naive giv,e n us ine right to ourcbase insurance after uninsured 3r.:1 8t cur crar ors ant; sui ie cl to a y, rcqulre. -cnts ?:)f al o nsibke "v+ vr?i atsa '. collateral is lost or damaged. The insurance will not be liability insurance and anpq to trnr;aid baianres. will not satisfy any state financial responsibility or no fault laws. The following paragraph applies to all buf Wisconsin borrowers: A nciease it PROTECTING THE SECURITY INTEREST if ; +w :.tale issues a fide for the re rjaily rxpr,;)diC mt.. l;r boi . i r,c.b't' Or;S[ I ilo ti r1Jt a,nsioer8d a -.inge it proper v ysrir ts- to have c.erseruniyinterest sr*)not hettP WprnAv r.^e er^13 ti. ,:or the i ., il i"re 02? :tt:e' r ?e c,nrre P an -,r fans part of tis. r'!ar it au:y to t Ir ,Sni..l .s 3..i.7 a fin r-CiT'g sta ifrnG rl to "'toted our sec.urt y :weii from ine u s kr u o do _.c au tmxn e to sign a 1rianci g oatnn^rent You time 'id . mss cancel y?.cy Pan a' ai) 'r i0 Dy q ving US pnor written natiCe 'your olain^S of "tl7 ff GpF.' FSti,. i '0 ?3y ins unpa'ii b3ianCts u der of the r nr .'t rarr,.F.y c rake?r also ,rormse t, to 'n'hafrrver else '.•e Think is 'te^. ,scary to ancient o,ir >er.i,rity. y:,u or Cr .. (rv.:'.' ir.n (:a_c the :.art lnl0JOSt rrt lho T)J%c rty YO.: r ' e&L nn, nq Gut ti., title?PO TO any DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN -l i? a i di.'.ay !n prate '11o .1 n tae pr:rcerf,. u V, ; ''Ur I ^t> let '^_ f ,f' ..'t S` „ 'r>,•Pr :?1 ?y rv-',h I L_a tea : LQANLINER' Cradit end Seturfty_q!Ti Ayreemen- (continued) USE OF PROPERTY - until The Advance has been Palo off, you prom=ise you will: 11) Use the property carefu:,y and kr»ap it n good repair, t2} Obtain our written permission nefore making mater changes to the property ar i;:banging the address I where the eroperty s kept-(31inform usin writing before changing your address.(ui Allow us to inscrect the grope y. (5) Promptly notify us if the property is damaged stolen or abused i6) Not use the property for any urn awfui purpose. 17i Not to retitle Drrype;rty at another state without testing use NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE `HE MOTOR VEHICLE IF THIS TRANSACTION MAY BE SUBJECT TO REPOSSESSION. IF IT IS REPOSSESSED AND SOLD TO SOMEONE ELSE, AND ALL AMOUNTS DUE TO THE SECURED PARTY ARE NO'' RECEIVED IN THAT SALE, YOU MAY HAVE TO PAY TuE DIFFERENCE. NOTICE FOR ARIZONA OWNERS OF PROPERTY It is unlawful for you to fail to return a motor vehicle that is subtect to a security interest within thirty days after you have received notice of detaOt The nohcle wit! be mailed to ire address yo^.I gave us it is your resocesibility, to notify us rt your address Change's The maximutti This notice contains important intormaiacn about yoi;lr rights and our re possibilities ! timer the Fair Credit 61+;1ng Act. You are advised io read your ntonthfir Statement and review it for any error diScreparpryp5 or uriialithonzed Var.Sa.CbOns. NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR i STATEMENT. If you thi=nk: your statement > wrong, or if you need more irliOrmatl n arx',ut a transaction c,l ,our s 3tr-mernt, write us on a separate sheet at the adore :li listed on your statement You are red"wired to notify us in wrung within 60 days, fol;owning the date on which we sent your 5131alllent wfierein the error Qr proolern first appeared regarding any discrepancy or un.:urhorized transactions or. your account. Failure to notify us may result ;n your acceptance of any responsibility for payment or reimbursement to us let art), such er=rs or discrepancy on ynur ac :oun! Write 10 u5 a5 snon as possible 'T i San 'tiler one us, nut di:nng so wli not f preserve your rights R ^iour totter, give us the !ollOwing inforrmt,on Y'Dur name and account iiumter he dc-,!a( amount of the suspect,-d error Describe: the error and expain, rf rou can, wry you behove -here s an error. if ye;, nee rt more ?ntnrnigiton. h sr-,,ot:t r^ vein- fol.: are not sure about. ? If you have authorized us to pay a credit ':ard account automatically frisin your share i a,.zrour,t ru checking account. you can sinp tyre payment on any amount you thln4 is ,vto g 7o stop the payment yrau( letter ry?ach us three business days before, th e aulomatic, haaymarrt is SCtiOdu'4ed to occur YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR , WRITTEN NOTICE - We rnvst acknowledge ,Your letter within 30 bays, i.iniess we have corrected the error by then. VViah,n 90 (lays, tae must either corraot the error or explain why we believe the statement was cone f penalty for unlawful failure to return a ^iotor veltcle rs one year in prison andror a fine of 5150,000. . For those members who purchase a vehicle under the DRIVe Program, please review the following FTC Notice: N??? ICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. After we roceive Mir letter. we. cannot try to collect any arnounf you question, or repa=y j you as delinquent'. VVe can dontinue to send statements to you for the amount you question, including finance charges, and we can apply any unpaid amount agains=t your credit limit You do not have to pay any questioned amount whlie we are investigating. but you are stilt otkigated to pay the parts n' your atater-rent that are not in question if we find that we made a mistake rr your statement, you will not have to pay any finance charges related It, any questioned amount. If we didn't make a mistake, you may have to pay finance charges, acrd you will have to make up any missed i payments on the questioned amount, In either rase, we will send you a statement of the amount you owe and the date that it is dais. it you fait to pay tine amount that ^we Think you ewe, we may report you as delinquent However, if our explanation does ncl satisfy you area you write to us within ten days i telling us that you slfif 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 id We must tell anyone ive report you to mat the matter has been seated betoveen us when et finally is If we don't follow these rules, we can :otiecl the first S50 ill the questoned amatnt, - even rt your statement was correct SPECIAL RULE FOR CREDIT CARD PURCHASES - 1, you have a problem will , the quality of property or services riser you purchased w,th a credit card, and you have tried in good faith to co=rrect the probtem wain the merchant, you may have the right not to {say the remain ng amount duel on tf e property or services. There are two limitations on this ngt'if: Qa) You must r avrl Trade the purr ta5e in your borne State of, i?. if not withi=n Your horne "Tate, within i00 mills of your current mailing address; and (b} The purchase pric & must have been more man S50. These 4iniiations act not apply if we ,:,wit or optutale the merchant, or it we marled you the advertisement for the property or services. in hrs Agreement. the words you and your ms ails each ano all of those who apply Line only py writer application to us v iron MU S! de approved by our credit committee for the card or who sign., this Agrearnent Card means the Visa Credit Gard and any or loan officer. By giving you written noticewe may reduce your Credit Line from Time dL ii cater ano !erevals a^e issue, Account means your Visa Credit Car,, Line f - to time, or with good ause.. wwoke your card and terminate this Agreement Good Crc,.it account with us We, us and ours n -a"- this C'.rc>ihi union i cause includes your failure to comply w0i this Agr -emenl or any other agreement with 1. RESPONSIBIUTY - if we ssuie you a card, you agree to repay all dobts and the us, or our advor,e ree- alga on of yrur crediriv rr linens. You may also terminate this F. -once Charge arising from tare use Of t!te card. and the card aveount. For example, Agreem ent at any tune. but rcrmitiati,i_. by Asher of us does tint affect your obligati on `. to pay the raccounr balance. you are. responsible for charges made by yourself yn Jr spouse and minor children You are r.iso responsible for charges rnaot bW ar,onF else to whom you give the S. CREDIT INFORMATION - You authun2e u to irrvesvg5te your credit standing care anti this raspens,b.:; } ,:ontin res unt,l The ,isrd iL roc ?vored,Ybu:; not discia r' when opening, renewing or rc^vLa,witig your account, and you authorize us to disclose resporls,nr sty by norif y ng us. t*r we Wit iosv m r, t yo Information regarding your ar count to credit, buret aus and other creditors who inquire _ , ;n . for ew trains tuns1 so request and res. aG uaros Your ohs gr or to pay In acs lrta balance r rl nu , ; Of US abou! your credit sanding thg,.gh an agreement, d,vd c .fee -u of attu r court jtidgnt¢.nt.o i,t h , d ^ue 'i 6. MONTHLY PAYMENT -'We vAli mad you a Statemont e:xary morlt showing your not n party may direct you (it one of Vie 0rne' persc;':s re5pdnsibte to pay the account i Previous Balances of purchases ano rash adYanceS, fie c'3n'ent transactions an your Thn_ Gard_ rem tin :iur property rind yeti r1 u?, r;C"Vel ;and surrender tr. ',:s a!: cams account, the r'enr.airing crte(7it available uiviter your Credit Line, The New EWances of Ol)Dn our rGqueet and upr?n tern b,r!ti1W y .ti's Agre.4_?rnent. purchases and rash advanc«3s, the Total New Balance. tae Frnarfrr- Charge due to daut, 2. LOST CARD NOTIFICATION - if ,i,u r „urea ire card r as hown ')Y l sir ;tni,=n I and any utnot td ied fees, ant the f/irumum Payrhert recyuired, Every month you must pay y,i% will irnmedialery :.all the Cr ur. i r, 34' tide.A or i8001 23 328 At,,, at leas! the foinrnium Pavrinent wits+t )G days of Your sursfoment closing date. By separate agtr-e nta tit y'!:- rt y a thou 22 us Il, =yang= 1'r r nin4urr payment aut^tnaticatfy to ynur '? share yr cho`i.;ki te, o c:o;unt win «.is.'r,,,, stay, of course, pay more `requently, pay more 3. L1ABILtTY FOR UNAUTHORIZED USE - =aria ,? ,,ct? 101ric,try x, moloa; a e',^^ ;;r hen .e Ali^taTt ri Paynrertt or p y tt ^ Total Nevi Balance I n hat and you wilt reduce the Jr n w'rgr?q pf `h'+C tU.., hC't u. ,n?CI r., ,,i ..u. r.,tedd . ,rill YDIJ I", be; %nar 3 ctrdrJge i,i C. i , t+o. It y'-.lH ni nthlr pa ^.n ent ti ceia'gc trio total credit fine bawrice . . for ,io L'naalthrsn;rid JSa. ,, ;o,r {>rr..... _ 'r,"_te it. 11 utr tiro iia_1te Ir,r urkaut"cri .}.-f Ur. u,e,uI ,ve viii a.,t.. rta.ittai y {...,,,r ,. €. c-di.. it yur,r Si share.+. i ?t xCi,r 4+TNr VVOU tot of Ine '"A } f' r ?iS iCd«. ' r.autf fi ro ise r i Idt nn no nr inautnor Zee. per, w. - Them ir_ndrtn pay r'iT 4 be ; ,,iur r dl F ir,t Fv tidnt,e. rerin9ed rip t j shy : -v, '•xiur Cteor Ctar t, isn't .'. you are ;rCS 5' ne c; .,.,xt even d.:,at or bi 00 vv^lrtii r r is, ur a i In i' -ft+ r ><^, any tri -your Total n grx :nr in Uvr tand :ng of yi?i. t,ar,7 tr. t. , ye_r not exceed a i New Bala.7..; exceeds your Credit Lin r-,tu mu..t ICY Tile e> cess upon our 4. CREDIT LINE - If ar•; :c pr we ,oar it cl tt;.r ilia, n-.- !>L'?t sn s?'- den ^'hud r°de ."u; =rpp°y p ,•nnen:, IF t .,' lfrn,r .q nnanner `first to previous :a,o ;ees, =,. , *i%-', .._ i..s,_e r_ en t3 K)rB;=?OUa oa a:7?. .. cfl:r., i .near c._ then fo;•rev,JLS ri-,rChFSe f r d i n ?=r.rist g L r? : Ci- .a for NU a ?o c,r J ,.:r u ,,iu! Yc,L 9r,r-r, d' F. :N,- ri+ .t ,r kC:a , t.. s i0!)f tH „1r t .fir. tnA n ??itd(ges. then tJ .':7frBftt ?.. c? rt+(at. t ,vrrt; prey ?_!s " sn d';v'd, co Lta;1n^.wS. t??n to Yrr ., i i1,0 i i t, ,, you ,r t L: , ;i/ ^.?. <ir __. alt h? prevc„ t, c_ "ce. or„_r , viii re {, o:'"yd t. 'r-.r 3cr' _.ct e'en ,., senr a ir??. s 3?_' _ i' • t+r ,.1_ e , . .,;,.y, r , ir?_ sr e_r _? ;e r ,o;:r rrrreti t ter ^d.x,e.rlt ceisl ... ]rIX L„ nc(.; j,;-1 t en . ,ire rt parr, a..p b"Ila , ,s Visa''' Credit Card Agreement and Truth in Lending Oisciosure (continued) ? be returned with the statement . You will retain a copy of s,ich slips turrnsred at he __ r. - time of the transaction in order to verity the monthly statement The Creor ;;nior may 7.V FINANCE CHARGES -You can avoid the Fr trice Charge on purchases cy make a reasonable charge for photocopies of Slips you may request paying the full amour, o' the New Balance of Purchases each month wrintn 25 days 10. OVERDRAFT OPTION - If you elect to overdraft to your PSECU Visa Credit of your statement closing date. Otherwise, tte New Balance of Purchases, and the Card, that electron is subject to me existing credit emit and the agreement it represents i subsequent purchases from the date they are posted to your account. will fata subject and the current loan policy at trio time of the overdraft. You also understand that an j to Finance Charge. Cash advances are sway;, sabject to Finance Charge from the dverdraft will be considered the same as a -sash advance or your PSECU Visa Credit, date they are posted to your ,.,ccourit. Card and that fire current Annual Percentage Pale for cash advances wilt apply. Purchases: the calcuLate your finance charge by mulupiying the average adjusted 11. RETURNS AND ADJUSTMENTS - Merchants and others who honor the card ' eau y balance (see explanation below). Itirkrdnq new purchases, for the billing cycle may give credit for returns and adjustments, and they wilt do so by sending us a by ire monthly periodic purchase rate and corresponding ANNUAL PERCENTAGE I credit slip which we wilt post to your Visa line of credit. if your credit and payments RATE as discosed on the Addendum exceed what you owe us, we will automatically post the excess credit balance to Cash Advances: We calculate your fire ce charge on cash advances by your S1 Shares withrn 75 days tf he balance is one oof.at or mare. upon your multiplying the average adjusteto daily balance ;see explanation below) per cash ( written request, we will rotund the credit balance to you. advances during the billing cycle by tie rrion hty periodic advance rate Arid 12. FOREIGN TRANSACTIONS - The exchange rata between the transaction I =responding ANNUAL PERCENTAGE RATE as --,sr i,;sed or the Addendum currency and the billing currency used for processing interrat:onal transactions is a rate Balance Computation Method i selected by Visa from the range of rates avaiiabe in wtioiesale currency markets for the eablia central processing bate which late may vary from the rate Visa rsblf Average Daity Sa?once for f'arrctaases The Average Daily &alanco for Purchase I apPt Transactions is ca culated by adding the Daily Ba!ances (Purchase Transaction) for i receives, or a government-mandated rate in effect for the apolicabie central processing each day in the bfiAng cycle, and then drvldin Z by the number of days rr, the twilling j hate. In each instance, an adjustment may be assessed based on the ISA fee irnpdsco take the following by Visa. This fee which totals 1`f. of the transaction amount, will, be assessed on all yce To calculate the Dally Balance for ourchasas each day. we transactions whete the merchant country differs `rorn trio country of the card issuer. stepst Wo taLe the outstanding balance tali amounts you owe) at the start of the day. Then, in trio :sequence in which mounts are posted to your account, we add the 13. SPECIAL RULES FOR VISA PURCHASES - If you disagree or find an error amounts of ail Cebrs and subli ails the amounts of all credits or, payments wNch post I with a visa transaction, and have tried in good Win to correct the problem with the i l to your account that day. A"er aoOpr d I lymeris card credits. we subtract the merchant or the charges are the result of i)na thorizud or haudulent use, or your amount of any unpaid Finance 0harges or Late C,,arges. Then we also subtract the purchase cost more than S50 and was made from a plan rrrerchant in your tale ' ameurit of any Cash Advance transaction that posed to your account on that day or i within 100 nhlles of your home. contact PSECU_ in any pre, logs day in the uilbrlp -ycfe, Tr s gives us the Daily Balance for purchases, ? 14. DISPUTED TRANSACTIONS - You are required to notity PSECU in wr ring Average Dairy Balance Or Cssn Amarcti - Cash Advance Transactions which are ? wdi);n 60 days following the date on whc0. we sent your statement where,n the error ; posted to your account Fire not included in the Average Daily Batarrce calculation for I or problem first appeared regarding any discrepancy or unauthorized transaction on purchases, and are therefore not subect to the monthly periodic rate for purcrases. The your account. Telephoning PSECU does not preserve yo,;t dispute rights. You may Average Daily Balances c.afcutated sepaiatefy for Cash Advances and is subject to the be required to provide us with , frr.u nentaisr n to ° ,lent your dispute Claims In Cash Advance Mwt hry Periodic Rate I nc Average Daily Balance tot Cash Transactions addition, you may be required to complete a s,anoard dispute foam outlining the is caianated by adding "Daily Balances iCasn Transaction) for each day to the billing i detaas of your dispute. In cases of ti iudeient card use, PSECU null also require a i cycle, and then dividing by the numbei of days in the Dining cycie. Tie calculate the Day notanzod affidavit. In some cases we may ask you to nn,ify the !,,.)c I authontteo Balance for cash eaci'r day, we take the folecnving stenos. We fakatt:e outstanding balance r It we do not receive the proper requested docurne+?.tation in the time specifiec you (all anmur•ts you owel at the start ct the day 'Tt,.en. in the sequence in wnrch amounts may tie held msponsibe for the tranr.,acidon(sy in quesllon PSECU must adhere to i are paMod to your account, we add the amo ntis of ail debits and subtract the amounts 1 strict dispute tirnefiames set forth by Visa. of au credits e payments whicfi post to v ^;r amount that day After applying payments :f 1s. SECURITY INTEREST - To sec o;e your account, you grant us a purchase aria credits, we subtract the amount of any unpaid Finance Charges or Late Cnar, q I money security interest under the lJnifa:"znn Commercial Code in any goods you Tncn we also subtritf the amount of a y Purchase Transactions trot pn ,t)d to your i acr,oun or. tnaf dory or ir. any previous cis f in the biNing cycle. This fives ::s the Daily purchase through the account if you efauft we will have the right to recover ary of Balance for Cash Advance Transactions Note: Cash Advances are always subject to these goods which we have not been paid for through our application of your finance charges and from the they are posted to your account. payments in the manner described in the Monthly Payment section. With respect to y hey 1 this accourit only, we will not assert any statutory right we may nave it you aie in i Payments are aplvhe,d in the following rriam,er f:rsl to previous late fees, then to j default to prevent withdrawal of your uihptodgod credit union shares IDeposits) t?rtsWRGk1S Cahn ad'lanGes finance c'tiarges. then to previous purchase finance below' the unpaid lbalance of your account. However, if you give of have given Lis a charges, then to current late fees, then to previous cash advance balances: then to spec,fin pledce Of YOUr credit union starts (Deposits) by signing the Pledge cif previous purchase balances the order Ih a, they were posted to your account, then Shares or otherwise. or any other security interests for all your debts, your account ' tc, current cash advance balances. and ,lien to c.rrent purchase balaf ,es. Credits will be secured by your pledged shares (Deposim) and by the property described in are applied first to the partiruiar rypN of of,bi :whin, is being credited: if any, and then these other security agreements. except for your home- o the balance of y cur ar.,count. 16. EFFECT OF AGREEMENT - This Agreenierii is the contract which applies to ; No`r':i also that of the total of "he cayrrients and credits which are posted to your ail transactions on Your FCCOLIT'll. even though the sales. cash advance., creo t or ,tc uta by the Payment Due Date Sharon on a statement is equal to or exceeds the I other slips you sign or receive mricontain itifeient terms We may amend the New Balance shown or, tear statement we wll not apply the Monthly Fertod;; Role. Agreement from time to time by sen•otng you the advance written notice requiter) by yM:xfr Account Fri your next stawm..int law. Your use of the card thereaf€er will indicate jour agreerent to the Famendmenis i to 6. DEFAULT-You will Lem d cult if you fail io make any Mrnimurn Payment wifnio To the extent the law permits, and we indicate in our notice, amendments will apply I us to transfer fund's s to your extsting account balance as well is to !ctufe trar sa ht 11s S days oriel .our nkonihfy sta ncntri n') date You authOrizF ,i,+,,cren. to make he minimum payment due :f your Visa loan is in detaut you 'NJ 17. LATE PAYMENT CHARGE - It i our Minimum P y f erit is riot receiiw?j by the alvo be in doiaJI , your rbil r ) re tv ! us is matendit reduced by ' a 0arlle in Yvui i first day of the r* irintk , ? following your r?.io ,late You wi be suulect to a $24 charge), _ e r plf,yrri_nt an in ease; in K ur oplag s, t,arkrup _,y or rn lvency proce:,,dings i 1$. RUST! FEES-You nay incur ado,h.otial ardpes for ru.i h processing and rush a fa lure to abide by this Agreement, or , trte value Ot dellvery of cards andior PIN marler invo'ving you, you, death or yes ,rand mrthedi t I our e+" icily :retest r atEin lly d ne VA,: taw he right to f't ayrnent of y" -_a f 1 I ac-pun b a )r .;a if v.i 001'1,01, s uteri to Out give 1g you acv 1 19. OVER LIMIT FEE - A S20 fee r i to tit?rid for ears n r ,,ttify st to n=nt -to sing da o. nt tr e req tired oy law, Tn the osier pc:rn ttou by law YD..; will also be iege,-red tit laa.y cn whvi the outstanding 1.,amce exce t, 's !t o, e s qnm cwd limit b} ri, ve mar 100 (-u cui,eialOn expen"e ..nc,,,. rig a-..it and i. u,ionaue attori:ey fens. 20. DRAFT COPIES - You m n ncu, , ao i:7 rr,, :,nwge t,-a iran,ac_ if-, i , 9. USING THE CARD - , i 1 r t uri t.ab, Of c 1 r. 1 tY ince. tr re a e NNO ; sumnnaryr`sale draft doom 1 ntai:ln at,rnati?,> pr{}Ced6re,, to t._ -w, r:een )ti. s .H fl=u t,ni „resent ire „er 'r i i 2'1. COPY RECEIVED-You ackn nitdc;t re h;;Ir, -if a opy:lf this Agreerr nt t r.,eipa ng Vi,,a p an r CrChiir t r .1r tr rr isnan a rctitu i,o r, and sign ter Sales 22, ILLEGAL TRANSACTIONS PROHIBITED YJe t r ,c 1"I".1 J ,l V t? lit iiso r c 3 31^ d err lac Gr , when v o t1nr r E d rv.iri . ,ur c'Aid h . other is r complete your card for use ira nsaction trial is - a 11 +1r]ei rip .aGlr deret Sir r. Jr dw , h,. ,tar_a..h,n. b ,,ir -?,, Pu,?n, ne rill-.ai;n Number iP'h". v r c,bnli,rtt or, y a ) 23, NO USE a .va Vi,a aeclu nr tar r ;tier tsa or awt. may with. the ar i i. ar V Po i.11C3 ell r h-0? it E of o ei tyve or is C i Dn C ernl !not ih]t t;e Jose.. wilt ...t nl ]rye rr, y..') aftr,n ! f s} act 1.0" pewdes 1e- cs to ro .?? e11 r; ,.-., t yrj 'J r1n a -. y'ou ardr,r t r nsact n a- ,= l ft .Ind r i rte tedefa t W.,. or a a;t r r ,?nth y ? 24 NEURAL NETWORK PSF:,Cj j C' r i r !I i,• rk ?t ms r r=Ji t 1111 i me t W.tr da ty he meet.^t. ,n.r i,e. tsrmrrli (it fn real r u,..a)1 at prey tunai eyeic n?.actie,n5 T1 re r a rt w.a ?Arien atrarisai.? n t a ,,„Hari, _r " lade o,` .a . car age. , nce -,red, „r ,-wr ,,i ps e,a in,,; 7eclin_o n?l:u,,_. it ,, wd,nstive r. , 05. s tar ern., (pb,nt ne.i•ry O -°q E O v O . ?C7 d c 3 m -v O -. a ZJ d 3 m E ?aoc c•o ??ca CJ<.•oc; 0OC 00 c7 E h, t O O E N ).0 O 7 G GOO m r. •o r+ mci 'fu E ?`? io ?' •r v cR m '° ° w Gr,! 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N SHERIFF'S RETURN - REGULAR CASE NO: 2008-07008 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PENNSYLVANIA STATE EMPLOYEES VS BANZHOFF KIMBERLY S SHAWN HARRISON , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon BANZHOFF KIMBERLY S the DEFENDANT , at 0010:30 HOURS, on the 6th day of December , 2008 at 632 DEVON ROAD CAMP HILL, PA 17011-1620 by handing to TREVOR HOOD ROOMMATE - 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 12.60 Affidavit .00 Surcharge 10.00 40.60 Sworn and Subscibed to before me this day So Answers: R . ?Thomas K1 ine 12/08/2008 VAN ECK & VAN CK a By: Deputy Sheriff of A. D. PENNSYLVANIA STATE EMPLOYEES: IN THE COURT OF COMMON PLEAS CREDIT UNION, : CUMBERLAND COUNTY, : PENNSYLVANIA Plaintiff NO. 08-7008 VS. KIMBERLY S BANZHOFF Defendant CIVIL ACTION -LAW PRAECIPE FOR JUDGMENT Enter Judgment in favor of Plaintiff and against Defendant, Kimberly S Banzhoff for want of ANSWER TO COMPLAINT. (X) Assess damages as follows: Debt -----------------------------------------------------------------$27,664:47 Attorney's Commission ------------------------------------------- $3,345.14 Filing costs ---------------------------------------------------------- $to be determined TOTAL -------------------------------------------------------------- $31.009.61 plus costs (X) I certify that the foregoing assessment of damages is for specified amounts alleged to be due in the complaint and is calculable as a sum certain from the complaint. ( X ) Pursuant to Pa.R.C.P. 237 (Notice of Praecipe for final judgment or decree), I certify that a copy of this praecipe has been mailed to each other party who has appeared in the action or to his/her Attorney of Record. ( X ) Pursuant to Pa.R.C.P. 237. 1, I certify that written notice of the intention to file this praecipe was mailed or delivered to the party against whom judgment is to be entered and to his/her Attorney of Record, if any, after the default occurred and at least ten days prior to the date of the filing of this praecipe and a copy of the notice is attached. DATE: ?1 Signature: c Me issa L. Van Eck, squire Attorney for Plaintiff 7810 Allentown Blvd., Suite B, Hbg., PA 17112 (717) 540-5406 ID#: 85869 9 NOW, /3 plan, , 20, JUDGME IS ENTERED S ABOVE. othonotary ivi ivision By: Deputy Document #: 180057.1 PENNSYLVANIA STATE EMPLOYEES: IN THE COURT OF COMMON PLEAS CREDIT UNION, : CUMBERLAND COUNTY, : PENNSYLVANIA Plaintiff NO. 08-7008 VS. KIMBERLY S BANZHOFF Defendant CIVIL ACTION -LAW TO: Kimberly S Banzhoff 632 Devon Road Camp Hill, PA 17011-1620 DATE OF NOTICE: December 30, 2008 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGHBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 S. Bedford Street Carlise, PA 17013 (717) 249-3166 (800) 990-9108 By: 4wwd Me is a L. Van Eck, squire Attorney I.D. No. 85869 P.O. Box 6662 Harrisburg, PA 17112 717.540.5406 Attorney for Plaintiff PENNSYLVANIA STATE EMPLOYEES: CREDIT UNION, Plaintiff VS. KIMBERLY S BANZHOFF Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 08-7008 CIVIL ACTION -LAW AFFIDAVIT OF NON-MILITARY SERVICE COMMONWEALTH OF PENNSYLVANIA COUNTY OF DAUPHIN I, Henry W. Van Eck, Esquire, being duly sworn according to law, depose and say that I am the Attorney for the Plaintiff in the above-captioned matter, and that to the best of my knowledge, information and belief Defendant, Kimberly S Banzhoff, above named, is not a corporation and is not an adult individual under the age of 21 years of age; is not in the military service of the United States or its Allies, or otherwise within the provisions of the Soldiers' and Sailors' Civil Relief Act of Congress of 1940 and its Amendments. By: Attorney P.O. Box 6662 Harrisburg, PA 17112 717.540.5406 Attorney for Plaintiff Sworn and subscribed to before me this Q day of January 09 Not ublic q- aa NOTARIAL SEAL MELISSA L VANECK Notary Public WEST HANOVER TWP, DAUPHIN COUNTY Document #: 180057.1 My Commission Expires Mar 22. 2011 VAN CK & VAIN ECK, P. Henry W. an Eck, Esquire I. D. No. 83087 ..c tv PENNSYLVANIA STATE EMPLOYEES: CREDIT UNION, Plaintiff VS. KIMBERLY S BANZHOFF Defendant TO: Kimberly S Banzhoff, Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 08-7008' CIVIL ACTION -LAW You are hereby notified that on t(o9 , the following (Order) (Degree) (Judgment) has been entered against you in the above captioned case for .your failure to file an answer to the complaint. A Judgment in the total amount of $31,009.61 plus costs is hereby entered. DATE: 6&-aw rothono I hereby certify that the name and address of the proper person(s) to receive this notice is: Kimberly S Banzhoff 632 Devon Road Camp Hill, PA 17011-1620 A: Kimberly S Banzhoff, Defendant, Defendido/a (Defendidos/as) Por este medio se le esta notificando que el del de el/la siguiente (Orden) (Deefeto) (Fallo) ha sido anotado en contra suya en el caso mencionado en el epigrafe. FECHA: Prothonotario Certifico que la siguiente direction es la del defendido/a segue indicada en el certificado de residencia: Kimberly S Banzhoff 632 Devon Road Camp Hill, PA 17011-1620 Document #: 180057.1 PENNSYLVANIA STATE EMPLOYEES: CREDIT UNION, Plaintiff VS. KIMBERLY S BANZHOFF Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 08-7008 CIVIL ACTION -LAW ENTRY OF APPEARANCE Please enter the Appearance of Van Eck & Van Eck, P.C, as counsel for Plaintiff in the above captioned action. Respectfully Submitted, VAN ECK & VAN ECK, P.C. Date: January 12, 2009 By: ??w W'?' Melissa L. Van Eck, Esquire Attorney I.D. No. 85869 Henry W. Van Eck, Esquire Attorney I.D. No. 83087 P.O. Box 6662 Harrisburg, PA 17112 (717) 540-5406 Attorneys for Plaintiff Document #: 180057.1 ? i t