HomeMy WebLinkAbout04-2025
Godfrey & Courtney, P.c.
BY: Steven C. Courtney, ES(IUire
Attorney J.D. No. 74669
P.O. Box 6280
Harrisburg, PA 17112
(717) 540-3900
Attorney for Plaintiff
p
Defendant
IN THE COURT OF COMMON
PLEAS, CUMBERLAND COUNTY,
PENNSYL VANIA
NO. 64 -~(J~ c.;UI.L~€:n-J
CIVIL ACTION -LAW
PENNSYL VANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
vs.
DAVIDM. WARD,
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 wamed that if you
fail to do so the case may proceed without you and a judgment may be entered against you. You
are wamed 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 LA WYER 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 MAYBE 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
2 Liberty Avenue
Carlisle,PA 17013
(717) 249-3166
EN LA CORTE DE ALEGATOS COM UN DEL CONDADO DE CUMBERLAND,
PENNSYLVANIA
DIVISION CIVIL
A V ISO PARA DEFENDER
Conforme a PA Num.lOl8.1
USTED HA SIDO DEMANDOIA EN LA CORTE. Si usted desea defender conta la
demanda puestas en las siguientes paginas, usted tienen que tamar acci6n dentro veinte (20) dias
despues que esta Demanda y A viso es servido, con entrando por escrito una aparencia personaImente
o por un abogado y archivando por escrito con la Corte sus defenses 0 objeciones alas demandas
puestas en contra usted. U sted 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 0 por cualquier otro reclamo 0 alivio solicitado por Demandante.
Ustedpuede perder dinero 0 propiedad 0 otros derechos importante para usted.
USTED DEBE LLEV AR ESTE P APEL A SU ABOGADO ENSEGUIDA. SI USTED NO
TIENE UN ABOGADO, VA Y A 0 LLAME paR TELEFONO LA OFICINA FIIADA AQui
ABAJO. EST A OFICINA PUEDE PROVEERE CON INFORMACI6N DE C6MO CONSEGUIR
UN ABOGADO.
SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE
PROVEERE INFORMACI6N ACERCA AGENCIAS QUE PUEDAN OFRECER SERVICIOS
LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIa REDUCIDO 0 GRATIS.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
(717) 249-3166
Plaintiff
IN THE COURT OF COMMON
PLEAS, CUMBERLAND COUNTY,
PENNSYL VANIA
NO. 011- ..20:25 ~;r.J,(-T~
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
vs.
DAVIDM. WARD,
Defendant
CIVIL ACTION -LAW
COMPLAINT
AND NOW, comes Plaintiff, Pennsylvania State Employees Credit Union, by and through its
attorneys, Steven C. Courtney, Esquire and Godfrey & Courtney, P.C., and states the following cause
of action and in support thereof, avers as follows:
I. 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 I Credit Union Place, Harrisburg, Dauphin County, Pennsylvania.
2. Defendant, David M. Ward, is an adult individual with a last known address of845
Meadow Lane, Camp Hill, Cumberland County, Pennsylvania 17011.
3. DefendmIt is, and at all relevant times material hereto was, an applicant for a loan
with Plaintiff.
4. Defendant applied to Plaintifffor a Visa Loan. A true and correct copy of the loan
application is attached hereto, incorporated herein and marked as Exhibit "A".
5. Pursuant to the loan application marked as Exhibit "A", Defendant agreed to the
terms and conditions of the extension of credit as set forth in the Loanliner Credit and Security
Agreement (hereinafter referred to as "Contract"). A true and correct copy of the Loanliner Credit
and Security Agreement is attached hereto, incorporated herein and marked as Exhibit "B".
J
6. The contract marked as Exhibit "B" contains the terms and conditions of the
extension of credit agreed to by Defendant.
7. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms and
conditions of the Contract marked as Exhibit "B".
8. Defendant has defaulted on the loan by failing to make timely payments.
9. Defendant has not made a payment on account of the Visa Loan with Plaintiff since
April 20, 2002.
10. Plaintiff has maintained a statement of account keeping an accurate and running
amount of debits and credits made on Defendant's account.
II. PlaintiJf has submitted to Defendant a copy of the statement of account accurately
showing all debits and credits for transactions with Defendant.
12. Defendant has not objected to any of the monthly statements of account submitted by
Plaintiff to Defendant.
13. Despite Plaintiffs reasonable and repeated demands for payment, Defendant has
failed, refused and continue to refuse to pay all sums due and owing on Defendant's loan account
balance, all to the damage of Plaintiff.
14. As of April 5, 2004, the total balance due, owing and unpaid on Defendant's Visa
Loan account with Plaintiff is the sum of $9,667.40.
15. Pursuant to the terms and conditions of the extension of credit contained on the loan
application, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest charge on
the principal loan balance.
16. Pursuant to the terms and conditions of the extension of credit, Defendant agreed to
pay reasonable attorney's fees and all court and collection costs.
1
17. Plaintiffhas retained the services of the law firm of Godfrey & Courtney, P.C. in the
collection of the amounts due and owing by Defendant.
18. As of the filing of this Complaint, Plaintiff has incurred reasonable attorney's fees
from the law office of Godfrey & Courtney, P.C. in the collection of the amounts due from
Defendant incident to the within action, and Plaintiff shall continue to incur such attorney's fees
throughout the conclusion of the proceedings.
19. The amount of attorney's fees incurred in this matter is $1,933.48 and the aforesaid
amount has been added to the amount owed by Defendant.
20. Any and all conditions precedent to the bringing of this action have been performed
by Plaintiff.
21. 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, David M. Ward,
in the amount of $9,667.40 Dollars, plus interest, reasona e attorney's fees in the amount of
$1,933.48 Dollars, the costs of this action, and such other lief as the Court deems just and proper.
,P.C.
By:
Steven C. Courtney, Esquire
2215 Forest Hills Drive
Suite 36/Box 6280
Harrisburg, PA 17112
(717) 540-3900
J.D. # 74669
Attorney for Plaintiff
1
VERIFICATION
I, Bonnie L. Berkoski, hereby c~rtify that the following is correct:
The facts set forth in the foregoing Complaint are based upon information which I have
furnished to counsel, as well as upon information which has been gathered by counsel and/or others
acting on my behalf in this matter. The language of the Complaint is that of counsel and not my
own. I have read the Complaint, and to the extent that it is based upon information which I have
given to counsel, it is true and correct to the best of my knowledge, information, and belief. To the
extent that the content of the Complaint is that of counsel, I have relied upon such counsel in
making this Verification. I hereby acknowledge that the facts set forth in the aforesaid Complaint
are made subject to the penalties of 18 Pa. C.S.A. ~4904 relating to unsworn falsification to
authorities.
)?-)~4
Bonnie L. Berkoski
Date:
f)OC/IfI/t!I/{ it.- /801]2./
VISA ACTIVATION NOTICE
\'vI.u.r
~' ^ t'! August 28,1997
l~ \...1\
\ \.y.~\ tn~~::~~n: SS #: 198.56.7618 Applicant: DAVID WARD
Ref #: I 060285 K6
Approval Amount: $8,000
Home Telephone #: 717763.7501
Work Telephone': 717 561.0910
Signature:
I acknowledge receipt of the PSECU LO,l,NLINER Disclosure and Credit
Agreement and agree to be bound by the terms set forth in said agreement.
::~~~~~ r.;Z/97
. I would like an immediate VISA advance of $ . PURPOSE:
Send a 0 check, or 0 deposn to my S4 (MoneyHandler/Checking Shares)
. I would like to transfer my credit card balances from other !inancial institutions af the current
Purchase AnnUal Percentage Rate. ]iifPlease send me the application. /
. You may have one additional card issued on your VISA account. Indicate your choice below:
o
Please issue an additional card in the name below. J authoriZe hlmll1er to use it and I accept tun responaibiHty
for .11 charges and/or cash advances just a. though I made them. Authorized users may not order
repfacement card. or oCtaln VISA account lntormaiion (Le. dehtiled transactions, balance information, payment
activity). DAVID WARD must sign below.
Name of Authorized User
r:r
Signature of DAVID WARD
Personal identification Number
v".,,, PJ~"" ~ ~fth.r fQ.ur digl!.s or tour lett.!~ P,....,.~.!!.~M the letter. Q or Z .,part of your PIN. Pie...
SCANNED
Loan Disclosures
- :r~m~!!tR-m~.ulr~lljtrA~~""Jl""
~G(t:::p:a7};'J 10 l,;:-; \'.'i'~I' }\:'.J c~:!,,,., i.n ~,dv~:lce ll....i:::ie:.tl,z: $JtJ",.:;c:,ln:. ~":.P:"Y yo:....' ...... u 'l""~ ~ C ("r p- ,,'n ..,~):) -" -ry j':J \'~ a ~ .
~~~~;::~:~~3~~~~~!~!~i:i~7:~~i~ o~~(~~~~~:)~~i~;~~E~' ~;~~+;;~'1~': ,'X~2 [' ~,~,'~.',~_:J__,.f,~o.t~o;.','~.l.f~.~~,~:.er~I~i:y~j,:,~ic-'~.:_:e,j,:.;_:.j~,5.5,.;i?;:.~.-_"..~(I~,t0..;.',:f,..~..i':'~'.J.:~,lf:.f...',.i,~".~:-,:,'~~::},:~,:":.~~,.~.;~':~.~l~i~~r~
7. PAO?ERTY INSURANCE, TAXES J\ND F2ES - YO~i n~J=:;: r,i:::.f.t.-:Ll :(:-:n"ty , h ~ 1;;1' oJ ".~= J -' _ "'.. "'_'" ,_ ..) ....~..', 1,_
j"',Sl!ra'1~e 0;: ('.'1 ;J;"QP~rtJ" thp! yo;.! C;~'~ a:;; s~curity l)'l-:i:l; t~::::' F'i~,. ';~-" ":," "":r' v:j:.:~ ;:~,; F::;"
":.: ~:~:-.:~ ,1-
~ c!.!~~." M',i';"UAt G.~OI;? mo. f2. 54. So. es. ~l 9?, 2~CO. 01, 02. C3 ;d !iio~~r;:; ~:E;::,::;) ,.n, ~Afit\n~'11 n-
-_~____ ..:1.1:.;t:,~...a.1l"'"!::"--JI
the fin8nciallink~)<
This LOANLlNER~ Credit and Recurity Agreement. which includes t.ie Trut;, in
lending Disclosures, will be referred to es the Plan. The Plan.documsnts in:':~1Jde
this Agreement and an Addendum, You, your and borrower mean any person who
signs the Plan. Credit Union, we, our and us mean PSECU or anycr:s t~ whom the
Credit Union transfers Its rights under the Plan.
1. HOW THIS PLAN WORKS - This is 8.' open-end, multi-featur!d c:editp1a.1. We
anticipate that, from time to time, you will borrow money (called -ac!v=.r:ces") under
.the Plan. We 8re not required to make advances to you under the Flan s;,d can
rduse a request for an adv.m:e .at tinY time. The Addendum cescribes tne
different types of credit (called .subaccounts") a'/ailable under the Plan. the current
. interest rate for each subaccount expressed as a daily periodic rc:te and
corresponding annual percentage rale al"!d other charges. It may aiso have other
terms and a schedule for determining the payment amounts. .
2. CREDIT LIMIT - We may, but do not have to. es~abiish a credit limIt or: c:-rtain
subaccounts. If a credit limit is set for a subaccount, you promise not tc exc;~~::l t1e
established credit . limit. If you ex::eed the crecit limit; you prorr;Jse te rapay
immediately the amount which exceeds t11e credit limit
3. REPAYMENT - Y:)u promiss to repay ,an amounts you owe u:;der the Pia:'! pbs
I ir,..el <:.st. PaJrnents ar; O:Je 0;, the lds~ day elf t:,e month \,In!e.;;s v!e set:. d:ff;~:;;""t cc,~s
at the time of an advance. If the Addendum ha.:; no pa}'me:ir s:;hedi./le ior 2.
Subaccount, your payment will be determin<~d a~ the time of each advanca. PaJ'rr.ents
must include any amQunt past due and any amount by which ycu hava e~cead=d eny
credit limit you have been given for a suba:;count. You may repay all or part of what
yow owe a: any time without any prepayment penalty. Even if you pr!pe/. you wi!! still.
be required to make: the regularly scheduled p2)'ments unless we agrs; in writing to
a change in the payment schedule. If you have a joint share draft account, Y:lLi wHl be
responsible for paying all overdraft advances ob:ahed b)l a joint hOlee," of the shara
draft account. "Payments will be applied in the order the Crecfrt Union chooses.
4. PLAN ACCESS - You can obtain credit advances in any manner authorized by
us. If we allow you to use your ATMlDebit card to access the Plan. you ma~' be liable
for the unauthorized use of your ATMJDebit card. You will not be liab!e for
unauthorized use that occurs after you notify us, oralfy or in writing, of the loss, theft,
or possible unauthorized use. If you believe your ATrvvoe:.it card has been l::Ist Or
slolen, immediately inform the Credit Union by calling or writing us at t.'1s telephone
number or address that appears eisewhere in the Plan. If the card is lised to obtain
advances directly from the Plan, your liability wi!: not exceed $50, If the u:1authorized
withdrawal is from a share draft account, your liability is governed by the Regwla!ioil
E disclosures you received at the time you received your ATM'Debit ca;d, even if the
withdrawal resufts in an advance being made from your o'/erdraft subacc~u,'l.
5. FINANCE CHARGE - The dollar amoufll you pay for money bOric'.vad is called
a "finance charge" and begins on the date of each ,advance. A fi:;ance cha:'g:~ ",..'ill be
computed separately for each separate balance llnder the Plan. To com~:.t;a the
finance charge, the unpaid balance-'or each day since your last palm1snt (or since
an advance if you have not yet made a paymentj is multiptisd by the a;opiica!:lls daily
periodic rate, The sum of these amounts is thJ? finance charge owed. The b?.lSrlce
l~:::cd 10 CC1i1pJh: t;.:& fjn..:lr..:e Cl\~:9Ells; tilt:' U~tp~~,l balance e~,:;~-, C;'IY r=tH ~:::';:;-1;,'"ltS
and credits to that balance have been subtrac!ed and an).'- addi!;ons t:"' tt~ b:;;ance
have been made. In addition to interest,we may charge other finatlce, ch,arg=s which
a..e disclosed on the Ac'denc!lIm. If the inleres! rilte is a vanabia in!=,reSl rat;, t~e
Addendum expraf!1s how the variable inlerest rate works.
6. seCURITY - You pledge as security for the P:an all shares end c;vidsnd~ .a:"'\d,
if any. all deposits and interest in ail joint and individual $Ccounts yo!,; h~ve \',jth us
n~w a"d in the future. If a specific d~lfar amount is pledged fo~ 2;"1 ad"'in:e, He will
freeze shares in that account to the extent or tha outstandlnJ b~;a:l'=e br ths
lidvance. O:her(/:se. your pledged snctres may be '....itild..av..n u:11s!.-s yo:; are in
dsfau!l. The following paragraph f!ppli~s in an s!Cltes except In Oh;o, rJ.iO:lS
Island and Massachus!:!tts: We have a Sl<ltu~ory lien on the- si1nres ,'jlj d~'1i:i~nds
I and, if ailY, the deposit.:; and interest in all indi,'ijJat and joint acco~m~s y:'t' h2.\":t ,<,:rth
i "l!S and may exercise cur r:ghts und;?r the li:l>l t':> t;,9 e;ds."1i pa,'mitle~ by 5~~.,? 1~'N.
I (\'.Je a,e s~ate ct1;lrtered if ('ur r.<3,:'n9 o.:;es r,:,t ir:ciiJda t'1& t~;;'{:1 "Fejf.~i;: Cr,;;j::
r Ui1ion.~) For all borr~wers: The statutory lien p.ndfor Y:Jur p:~dge \'J;l: r;lL:ow !./S
I to apply the funds in YOllr a:;coLlnt(s) to v:hat you owe W:l~i: yo~ f.rE In ddr..:l:t.
! The s~atu!ory lien and YC1ur p~edge do n~)t apo!" to c.;;y 1...:C:i1J)d:J~l Ha:ir:;;:T,3r;!
I k;cou.1~ O~ any ('l~:le~ aCGount t'1cOl.: wO:J1d fo~;e sp::cie.! t?x tre~.:~.3ii; t:-::!,3: :.?ta or
l f8d~rallaw if given c!.s S?curlt/..
I A~.jitionar S7curity for _th-2 Pian may ~~ req~:red ~:: t~l; ~j:ile" ::1 C"::'"; ?,:i'..a,_~.~. 101 c.
i w:::oaCCO;;:1! Jder.Ules P. type of pr~pei"ty (sL:cn as ~r~::vi l...<1,rs ) ~ JJ r ;~s: [:':~ t.;~:t
;i~.~ :!_~~~p;r_ty ~s s-e~t!r1V ~'_~;,~';}'~~_..~:~ _~.n .a::'.,w,.~= Ln6:~ !'"<at ,:,'h,?,;.::;.:;:t. ,~:
the property ins~rance from anyone you chocss who is ac:e~tabI9 fo the _Cr:lt
Uden. The amount and coverage of the property insurance ti1l.ist be acceptabr;
us. You may provide the property insiJran9.e. through a policy ,:.: !,:"~.::/ r,;:';:.
through a policy yeu get and pay for. You promise to make the insurance POlil
payable to us and 10 deliver the. policy orpro~f of coverage to us if asked to ao s(
If you ca:1cel your insurance and g~: a ~efund. ws have a right to the refune. If U
p~operty is lost or damaged, Vie can use the insurance settlement to repair tt
prClperty or apply it to'l..ards what you ows. You a~1horize us te enderse any draft (
check'which may be payable to you in order for us to conect any rsfund or benefr
cue under your insurance poficy. You also promls: to pay an taxes and fees. (li~
registration fees) due on the property. .
If you do not pay the taxes or fees on the property when due or keep it ir,sured .,~
may pay these cbligations, but we ars no! required to do so. Any money 'tie $~n
for taxes. fees or insurance will bs added to the u'1paid balance of the 20\re.nce 8.:1
yeu vAil pay interest on thcse amounts at the same rate you agreed to pay on t,
Cidvance. We may receivs payments in connection. with th: ins:Jrance from'
c:rr:pany 'A'hich provides the insurance. VIe may r.1onitor our leans for the pUfiJCS
cf cstermi.'1ing whether you and otner bor~c'llers ha'/e cOi7lpl~e; .....ith the ~rS,J~a!'1C;
rS=luirellents of its loan agreements or may C('1g2ge o:he_r~ .t~ c!o so. Ti":s ilis;;ranc
c~,arged addad to your advance may include (1) ~he ins:.1rance. C'::li";:P21'1)"S pa~:ner:t
t: u:s and (2) the cosi of delermining complia:1ce with the in.sy'a'1C9 ieq:.;irements. I
v:s add amoun:s for ta:.;ss, f.ses or io1suf3nce to th~ unpaid ba1c.:"lce of yo'..:r advance
"'!S may increase your payments to pe.y the amount addad w!;hin the term of thi
insu,':,nce or appror-im3.te term of t;,e advance.
E, NOTICE -If YO!J d:) nol purchase the required property i:1surznce, t;'e inS:Jianct
'Wd may purchase and charge you for will cover cr.ly our interest in the proper!\'. 'Thl
i!'lsj./rance will not be liability insurance and will not satisfy any state finaneia
responsibility or no fault laws,
e, CREDIT INSURANCE - Credit life and/or credit disabillty insurance is optiona
under the PI'an,lf you qualify for and purchase the insurance from us, you authorize
us to add the Insurance premiums mor:thly to your loan batai"::e and charge yo..
In:erest on the entire balance. If you elect credit Insurance, your payments mil)
increase for the period of time necessgry to repey your advance may be extendec
beyond the approximate term stated on the Adde:1durn, The credit insurance rates
may change during the Plan. If the rates change. we will provide any notices
required by app:icable law.
10. PERIODIC STATEMENT - On a reaular basis you will reC9ive 2. statement
showing a:l transactions under the Plan during the period co':?re-:f t-.y the stateme_"t.
Statements and nol;c~s VliJI be sen[ tlJ }'ou at the most reci;rtt address you have
given us in writ1ng. Unless applicable law requires notice to each joint borrowsr,
notice to anyone of yOll will be notice to all.
11. JOINT ACCOUNTS - It this is a joint account, each of you Is inarviduE'J!y arid
join:ly respons1~!e for p~ying aU am:Junts owed. That means Vie can enrorce our rights,
U:1d3r the Plan again.:;! anyone of )'OW individua!;j' or against af! 0: you together. If you
(l[ve lIS irlcons;stanl instructions, we c~n refuEe to brtow your ins:,.uctions. Unless our
v:;it:enp:::.iicy requires ail of YOiJ to sign for an a.:!'va"ce, each ~f you a\.i~hor!zes tns
oth&r(s) to obtain adv~rices ir,divid:Jally and egre-Scs to repay C'.oyances made to the
o!her(~). Any jointaccountholdar may te~minatet;,e Plan by 9J;..;09 u~.prlor ",-,,_itt::n
nolice. If an)' of )':::'1.1 terminate the Plan~ the Pla:'l is larmina.ted fo~ all cryou. Yo:; remaln
lie:::.l; i"djvid~e:1y ?nd join!1y fotatJadva.nces In:::urred' before te.-mli'la!ion. _, .-
12. FEES AND CHARGES -If yougi'le use:. se:urity inte:e5~ b csrta:n l';PSS' 01
p:operty, we may charge you a filing fee to peiect O:Jr inte:est in the prop~,!y.-If so. t'1e
2.:1'louni of Jhe fee wi!! be disclosed to you at the rrr:e you cb~e;n 0::.'1 a.:"'-ar:ce. We may
a;s:J charge y:u other has in c01Mction with th"" PJ,;n. Th"S9 f5:';'; era disclosec~ on the
.J\:ldandu.'11 and \'/ill be add~j to yowr loan br:!an-:s ur.!es~ ~'OU P3i' Clem l:l c:zsh. .
13, UPDATING CREDIT IN:=ORM.j,TION..... y;~ promise that i':J:.1 ~.'!m p~om;:!:l ~;'Ie
~s 'i"jl:te:1 ncCce_ if you move, ch?nQe YOLlr nz~n~' cr emplo,':"j",EIiI, or It 2n)' 'ot~er
infor!11~tfo~ p;; pr~vj~~d 10 u~ cha'lges. Up~fj CJr req'-lsst y;):'! a:so agr~S' to ~vav:de
v:: l:po:=.te:1 I!;"i3.ii':Ia,! Jr.lorm",!IU,-,.
14. DEFA.ULT - Tfie tol/:Jl'litlfj Pcitcigr?ph !1pp!i!Js t.';} b~tro'.1'er~ jr:'I;J~~lc~
Keflses. f;IiJ.'n; Arid South Cero:ine: You \'.':1: 07 lrJ d3fE:ul~ !f YOi.! dc not- m3..~'" c;
r:;aY:ileni 0: ih~ ~i"il0U(jt rfouired whe.1 it is d~ia. Y,:;rJ \'1m ~r~:J be in c;;f:3.ult if we
ba:i;vs 1:1& vcspect "f p~y:nent, psrl'orma:IC3, 0, r€?.;:za~io:; :-., 2;lY Pi,:p;:t; Qi'/S!"l
f,5 ss:udt}' is s'groificc..ntiy im~<!.i~e:::. ,
~-j;f~ fo!~?wlr.G'p'erag,.aph applies only t.o b:.,~,~, ,-v~rs i:} Hffs~C~'~$tn: !'~;.',;\<L.~~,:~
~~,:f~.;~ ~~i~~'~;!~;~_!? ~c~~~~7!t !~ ,~'~;~.~~t ;~!~~~~.c~:!~;:~.~:-~;~~~:'~:~~:~~~.2. ~:'~~J~;r~~
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,~~;~~.::~;}!~~~,~-~.~'-~:C=-.ic-~L~2[#~G~~":~';'._',...--::~Z~:-~~~~1~~";~i~~~ir2:7i:~~:'-:-~-~~
~e.1n .ceta~!tli you brea:<( any ~~O~l:~ X~~ :n,,~c:I;.. ~~~:~. !~e .~:.~n_~; .1~ii~l!::.l:l, ;~~ ~:
c-;;:.z'..J:: i.;~,i.-,:::' z.:'J ..o~":_-.> c:...:':::- .;,,:.. .,,,,,',_~. L,~_,.. c_ '., ,.. ~- :' _',., .."
the PJa:1. You will be in ds'fauft it you die, file tor bankruptcy, becoms inso,V6.1!, if yc~
make any false or misleading statements in any credit ap~licatjon or U;:ldSt9 0; cre~m
information, or if something happens we believe may s~lbsta:1tiaay redL:C3 YO:,.!r
ability to repay whal you owe. You will also be in default under the Pian if YOl: are in
default under any ot.,er loan agreement with ~s.
15. ACTIONS AFTER DEFAULT - The following paragrap,'j ~ppl:ee to
borrowers In Colorado, District l'Jf Calumbla, Iowa, Kensas, ji.,I.,e,
Massachusetts, Missouri, Nebraska, West Virginia and South Carolina: W~1e:..
you are in defat.J1t and after expiration of any right you have under applicabl-3 stste
law to cure 'your default, we can demanl:! immediate pa;tment of the er.tire tJ.1P=::!
balance under the Plar. without giving you Edvsnce r.ctlce.
The following paragraph applles to borrowers In all other s!stss. Ex;apt,
WisconsIn and Louis7ana: When you are in de~a~rt. we can reqdre imrr.eolate
payment (accaferation) of the entire unpaid balance under Ihe Pla.1. You wa:ve any
right you have to demand for payment, notice cf intent to aceelara.ta and neli::e of
acceleraiion.
The follo'v',;ng paragraphs apply to borrowers In all.states except, WIscansIr.
and LouIsiana: If immediate payment is demanded, you wii} continue to par iiliars5t
until what you owe has been repaid, at the appiicabie ir.teres! rates Ir er;ect U';-95$
a cia-fau1t rate is disclosed on t~Je Ad:je.:llju~. H a cema."1.o for iml'7'ledlaie p<'.~ir.;Sr"lt
t',as beer; made, the sha,es a:'1d cepcsits g;'1~!"\ as sacl.lrit)' for the Pi:!;; CE.."! !:e
a~pli=d toward whc:~ yOu OWg. \Nc can alsc exercise ar,y ot"e~ riQh!5 ~:ve;) ~'i la',";'
when you 2.~e in default.
You agree the credLi U'1ion has the right to tc:k~ possession 01 Cl"y property ;i'/;:1
as security for a:'1 advance LJnder the P:an without judicial process if this CM b,,; d:Io"'=
wit;,ou! breach of the peace. If VIe ask, you promise t~ csfiver tI",e prope:ty at a ti,T,e
end place we choose. We ....,111 no! be respl:lnsible tor 2.'Y other propert)', root c:)'1e~e:l
by this Agreement, that you leave insidl~ the p~operty or that is a:tac;'ed I:> the
property. We wilf I;y to return that property to you or mat.;e it a'/aHable 10 you te ci~irn.
After we have possession of the property, we can seil it and appfy the mOr1ey :0 ai:y
amounts you o~",'e us. We will give you notice of any- public sale or the dat'3 after
which 2 priva:e safe will be held. Our expenses for taking possession of and se!!i:-:g
the properly will be deducted from the money received from the safe. T;,oss- ccs~.:-
may include the cost of storing the property, preparing.it for sale and sttorney's fges
to Lle extent permitted under state law or awarded under the Ba:1i<ruptcy Co':':e. The
rest of the sale money will be appned to what y~:; owe under the Pia.,.
You will also have to pay any amount that remains unpaid after the s;.le mon~y has
been apptied to any unpaid balance under the Plan. You agree.to pay interest cn that
amount at the same rale as the advance, or, if applicable, at 1he ci-3fs.'.:;~ rate
disclosed on the Addendum, until thaI amount has been paid.
The fol/owIng paragraph applies only to Wisconsin borrowers: Wr.e:'l Y:Jl.i ara in
default and after expirati.:m of any right you have under applicabfe sta:e Isw t~ C::J!'6
your default, we may require immsdia:e payment (If your cl.:tsta.,ding Jonn t;;!C::lce
under the Pia:1 and seek possession of the ptopeny given 2.5 security. YO'J may
vol:Jntadly give the property to L:S if yot.! choose, or VIS may seek to ta1;:e poss;;sslon
of tile property by judicial process, If Y.'S repossess the prcp~rly, yol.! ~2~ee 10 pay.
reasona~ie expenses incurred in disposIng of the p:o;:>erty.1f the prop~:t:t is E :notor
vehicle, mobile home, trailet, snowmobile, boat cr a;,craf:, you will aiso be re:;ul:ed
te p~y any costs permitted by Section 422.413 of th~ W:s.consln Stak:t-ss. .
The fof/owing piIrag.-sph applies onfy tel Louisl:Jfj3 borrower$: '.N:1f,n Y':-'.J ~re in
ds.~aul!, we can. require immediale parment. (accsrsra:lon) I:)f the ent:re !.mpaid
bala,'ce ur.der the Plan. You wai.....e an)' right >.CIU ha-ie "to demand foi" pr.ymant, notice
of inli>;;t to:'l ;e(':cefer~I;OElnd ,r.otk:1 cf a~:(,:9;er?I:-;Jtj.. I; i:r.!""':zdic:t:;p:'rn~;;! is,
demanded, you will continue to pay interes~ wnW what )'OU owe has t.ee'1 rep:lid a~
tha appficabte interest rates in effect unfess a ds:au:t rete is disclosed (.;. the
.L.ddendurr.. Ii a dema:1d for im'T1cdia:e payment h?s been made, tr,a S;'I~.r~'s e.nd
deposits given as security for the Pla:1 can be applied towa:d what Y:Jc o!!:e. V!-3 c=n
also exe."dse 2:1y other rights given by law whe:1 )'::::'-J ~,re in defat;!: tn: o:.!r :igr.iS
under '01)' sewrity agreements 'jo'J have with cs.
.16. CANCELLING OR CHANGfNG THE PLAN - T,'le fo!/o\'l1,-,g pa:'~';;r;,p!;
applies only to borrowers Inlllino:s:Vle have the ,1~h: t~ cha:1gs th:s :.;-;n~~~ 0; :ri5
Pi?.'1 f,ern time to li:l1e after giving you any adv.?;;':;-E- ro~;c6 re=!ui.''O!::l c.;: 12::. /.,.,/
cr,angs to the inter:!;! ra~e Oi o~h;r cha:g6s ~.!:Ii c::PP:j' to i'.J~Jre c,~h:~r:;:-::;.
T.ha fofiowing para?r?phs apply, only !o L~orr",~~'~r.s In U'!~cor'sl:!~: v:: "';-'.:
(':~::~g9 ine terr.:s or t:~6: PI:=.~ {1'OIl: 1;me 10 1I:i',e In a::~crat:nC€ ~'.i,l S~:C;;(':1 ~:~2A. ~ ~
of Ir,e \-V:s::o,;sin Statutes. You ...../ii; be nc!ifed of a':-l/ cha'lQ5 ir, t8"'I:i~'. Al ;:"'c=~.s=
i:1 t:~~ cJ.;!y pri:,,)-::!;: ra~~ Lmd~' c:. var;abi:~ rc:~e ir't~.~3t ri;!O :~ r.~.t :0;;:;5':.:::'-2:; :.:
change jr; le'rns Linder t~e Plan.
We car. carlc':?! Ii"'e enti~e Plan 0: ar,y p~rt c.i ths Pi?:, C'.: c!:'y t:me.'rc.:; ::~:l/ :."?'~::c:
~~~~~:~~!;;~I~ '~~~;:::~:~;,~~~:~r;:itE;f-t~e~~.'~S~;~:~t~t\~~~i:.f:~.::: .L'~~~~
~22.t.'!55 of I~.ie Viis,ce-n,;;:n S:atJtss
Th~ fo!l?:'ling par;rgra~:'h a.op'!'es only t~ J::O:Towc'rs in Jor:e: V!~ ~i:.r. (:"d~,::! .~,.1S
te;n:s c' 11e Pia" fr.:Jo'T1 L"':1e to t;r:-.& afl:=: gl....:,-19 Y:'lJ .:';1/ c:.:f....a,-,ce 1";',):;:;' t i!:>!: ':"::' ':I;'
I,::,':. A cha:ige th.;:: i<1cis838s t:-Ie rate at fimlj';~.,? ChE\r~l:: or c;h,:t, c:,.~~;'\:. f',,,/
ir::i2?S:>3 tiC: 3.r:;J',,:~I~ of 1'C:':; ~",Y;:E;:'.I:;, cr I;'r,[ c~:l:::""..:i~,:: 2Ci".':.::s:.d,', ,';::.c.~~: ~ .:5:"1~;
Ill::! IQI.o~".flng parOifirdfJ" dfJ,Jlle........ ""....,.............. ..' -.,,-. ---'--. . ',: ',.e-.',-;;
r:;\..'.~: :'":.,;:-: ~'..,,? :::'~-,: :' :~-'= p.~.~ ~.:.... ~:r.=- ~': ~;-: ~':,:" {"/;'Q }'Cw a::1 &':'1=
notice requi:-ed by law. A.iy change i:1the imer;51 ra:; wi:! appiy to fllturs ad\=';
end at our discretion, and subject to any r3quirsme.,!s of applic:!.J!e Iz:w, wiil i
apply to unpa:d ba:ances.
Th~ following paragrap.'t epplies to. a'i. borroL'lerS other t,;an WIscor
borrowers: An increase in t,e daily periodic/ate under a variabis interest rale is
c::Jr'!s;d~,ed a change in t;rms ur.dsr the Plan. We ca:1 CE..1c:i ti-a e.1ti,; Pla.1 0,
part of 1Me Plan at any time. You can cancel the Plan at ::r1}' time. Your cbiieetiol
r~Y t"1e unpaid balances under the terms of the PIa:; cor;tinu$s vlhet:'e: yeu Or
Creait Union cancel the Plan. '.'.
17. DELAY 'N ENFORCING RIGHTS AND CHANGES IN THE FLAN - Ws,
delay eniorcir:g any of our rights under this Plan any nurr.ber of times Wahoi..'t Ics
the abm~ to exercise our rights later. We can en;:;rc; 'this Plan against l':lur heIr;
lega! rep;eser;tativ9s. If w-e change thg terms of t'1e Plan, you agree th2.! Ih[s P
VIi:! continue to protect us.
1 fl. CONTINUED EFFECTIVENESS - If any part of thiS Plan is dete...mlne.:l b
co~rt to be uneniorceable, the rest will remain in effe~!.
19. NOTiCe TO UTAH BORROWERS - This w...itt;:t. agreamsnt is a TI
expression of the agreement between you and the Credtt Union. T:-:is writ
agreement may not be contradicted br evlde:lc: of a;,r era: a;..e~me"~.
2D. Tt:!: SECURITY FOR THE LOAN - YQU give uS vih:tt is known as a U:cu:
inl'3resl in arr pr::lp;r~ ces~ribed in [tny r;ceip~, V::.d1er or ether C:o.::;.;me.,t y
te.::~lve fOf an Adva.1ce nhe Adva"ceN). The sa-:w~i!/ k.:S:S5t ~'c;J giv; ir.ciudes
accessions. Accessions are things which a,e f.!!a:h:;j t::l :l~ ins~s.:ied in t
prope:ty nO'N 0: in the fwto.;re. The security in~ere$t .=.:sc i('!c)..:des an)' r=?!ace:nei
f::lr the prcperty which yo!.! buy within 10 cays of the Ad',/a:1c-e Or My eXler.siol
rer:ew3:s or refinancing cf Ille Advar,ce~ I; also ir.c~ude~ any r.:oney y::u re-:.st
frojIl serHng Ihe property or from insurance you nal.-s on the property. If the vai
of the property declines, you promiss to give us r.1c~$prope...ty C'.s S9:U~1ty if ask
to ~o so.
21. WHAT THE SECURfTY INTEREST COVERS - The security interest S9cur
t~g Advance; described in the receipt, voucher or.an)" ether cocument yo!.l receive
the time of the Advance and any extensIons, ranew~Js or refinanc::1gs or ~
Ad'/ance. U also secures any other advances you h".v~ m'.~' 0, rs,:eive b L,e' futu
under the Plan and any other amounts or IOMS, inc!uc'ing any credit caid Ic.!f'!.)'l
owe L:S for any reason now or in tha future, except an}' loan se.::ured by pur princi;:
r:3sidence. If the property is househo1d goods as defi1sd by the Federal Tra,
Commission Credit Practlces RulS!, the property writ sec:.Jre only the Advance ar
not other amounts you owe.
22. OWNERSHIP OFTHE PROPERTY - You promise thC!.~ yJu OWi1 tr,g pro;>erty,
if the Advanca is to buy the proparty, you promise you will use. the AdlJaice for th
purpo3e. You promise that no OilS else has C'.n)' k:ts:est in or daim against tr
property that you ha'/s net already t:::ld us a.bout. YO~I ;>:omise not to sell or lee.sa t."
property or to use It as se:vrity for a. ban Vf!~h i:"o!:'i;r cj;dit:>r until t'1e Ad....?nce
repaid. You promise you \\~li all.ow no other sscurit)' int9~e.st or lisn to a~ach to tl'
property either by your a~ions or by operation of la';,'.
23. PROTECTING THE SECURITY INTERES1- I: y:Jl;r state issues a tiUs for U'
props,ty. you promise 10 have ou, security hte~est $;lC'.'l;l O!'l the titie. \Vs may ha~
to fila what is called a fina,1cing s:a~e:nsnt to prC';:;:! cu: S:!C'Jrtly inie~esl frem tn
cl==.ims of others. If asked to d::l so, you prom;se to 5:g.'1 2. fin~.nci:;g st=~em-=nt. y~
',ist) p;omiss to do' whata'/sr 'e:se w'; L1ink is r.e;-:3s..t:,.t;:. protect o:.:r see:..:!;:
interest,i,n the property. YO'J promise to pay.a!! ccsts..lncJ~rding but noll,i;r.ited t.o ar
a.tt~rney fees, we l~cur in piot:;?ting o.ur seCll;it}' i:Jta;'ssts end righfs In t::e piO?8t~
~o 1,1; e~~~:1t psrmiit!::d lor C'.ppl:::;a~Jle 1'-1','.'.
24. USE OF PROPERTY- Untl!the Ad'/Elnce has be::n ps.id off. YOi.!"p:c';r.is$,~O
\'iiH; (1) Use the property care:u!l}' and keep it in gcodrepair. (2) O~tail.O:J( w:~te
permjs5i~:1 befo,e mar.ing major changes to thB p;::~e~i:: or changmg t!1.~ .ad:~a~
",,.hare the proparty is kei':' (3) Ini::lrm us in w:i!1r:g b'3:",.a ch~ng;!1.g },o:x. ao?re,,:>. (
1.110''''' us t:> inspect the propeit)'. (5) Promptly notif;- us if ths p,operty 1':- OZmfgac
stc:en or a~used. (6) Not use th-:! pro;Jerty for S:1y t::",ia';,,,;u: p'J~pose. .
25. NORTH D.~I<OTA NOTICE TO BOnRDW::FlS PURCHASING A r.:i")~O~
\'ErlfCLE- THE MOTOR VEH:CLE rrJ TH!S TRt.~dl.CTi01.! MAY B: S~S},::S~
1'0 REPOSSESSION. IF IT IS H::POSSESS::O .!'.HD ~~OLO:-O SO(,,~=aNc ,=:.~ ~
lJW ALL AMOUNTS DUE TO T~{E S~CVRED P;,,=:TY ,l'.R:: NOT SEC:=h ::0 I.
Ti-i.!',T SALE, YOU M.t.Y 1-i.;VE TO PI-Y THE DiFF=;:.;=r-~:::=.
25. VERr.;10NT NOTICE TO C("l-SrGi-J~~: _ YOUn S!GN.,t..TUFiE O~
'''L'I'' [.'0'-'" r.'<="N'"","U 1."[\'0' !' 1.,-':.' Fe,. .J' II 'i LIABLE ;:Or
,n;:' \ I.... yl.......... v ill". .J r.r't,-. ...A !'".--.. .~-c
FiEPAYNiENT OF THIS LOAN. IF lEE E~OF-120\~rE~ ~;t:~
l-lCIT p,c\\" THE L.ENDEB HItS A L~Gt.L FEGHT TO C:':,..,L__C,
r:F:C'~Jj YOU.
~~;~~;~~~f_.~~~~A1~:[~:;~f~~~:?1~~1ri;~~
C',;....",-1. ... rt.l,; (., '<l> I..;V,i.iU.).
i
I
____~.___________ __ _._ .tl:}:~1!5~JH:
,-.-----.---..---.-- --.--..-.------
. '.-._..' ,- .----
.,,~~~~~~;';~~~~'2;~=~~~=7:~~~;{~o--~ '-~~.,_!.~~~~~~~:~~+~~:;
credit li:-nit. You donot have to pay any questio,1ed amount while we are ir;vssli"a
c!.>t you 2;? stil! ob!ig?!ed to pay tte parts"of Y':lU~ !:~at;;r:5'1! tiet t:r: not in C;t.:e;k
If we fiild thaI we made a mistaks on your steleme:":!, yow will n-:'lt have to p~
finance cl":arges rela!:d 10 any q!..iestioned amour:t.1f we didn't make a mis:ak't
may h2ve to pay finance charges, and you ','Iii! have to make up any mi~
payments on Ihe questioned amownt In-either case, ws will send you a s~at~~
of the emcunt you oV/e and the cate tha,l it is dus. I:;"
If yeu fall to pay the amount tha! ws thjn.~yo.u owe, we r.1G.y repcrt you as ce:ifl u
Hewever, if our explanation dees net satisfy you and yoe write to, us within te~c
te:i1ng U~ that you still refuse to pay, we must tell 2:'lyone we repert you to Ih-I
have a question abo~1 your statement. And, we m!.!st tell you tn!! name of e~y
we reported you to. We must tell anyone we report }'CU to that the matte..r.as b
settlej between us when it finally is.
If we don't follow these rules, we can't corlecl the firs: $50 of the c;usst:O:lSd afTlO
even if your statement was ccrrsct.
S?ECIAL RULE FOR CReDIT CARD PURCHASES - If you have a problem'
the quality of property or servicss thal you purchased with a credit card, fild
have tried in good faith t.... correct the probiem with the merchant, you may hav..
right not to pay the remaining a.1'10~nt du.'! on the property or services. There zr;
limitations on this right: (a) You m...lsi have'made the purchase in your hcme s:ate
If not. .....ithin y~~rr h'::~€ state, "'.'::~i~ 1 00 miles of Y"':":l c;;rrent ma;~ing ;=.:dr;ss; ;
(oj Tn; purcl1Me price must ha:is osen more than 5:10.
These [imitaticns do not appiy i: we cwn or cpera~; the msr:h!.nt, or if wa ma
you tha- adverliseme:H for the p"~pe<t)' or S;;lrv'ces.
1i!1~~<l.I~~}]~~~ffl'~~^~~~~{~j;I~l~_i''''';, "oj..' .~.
Hi~h~imi~~ll'..~ c. """'.f...lli.~=J!'j)1a~.M!l 1,L,2.ii~~ ~'--~~_ ,'J-H"...A
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c:."... ~~.~,I:'"'" II '....' c:....l 0;:;""'" ....,~"'.~/"'....,,"',I:'''' "'. "'''............,~~~ __'...
j\iJTjFY L'S J:\ C.~,~= C:= E.:-:2:l.::-:2 C:-::. c.'_ __, _. _ ABOUT YC1UR
STATEMENT. If you think y~ur stal~r:1er1i is wrong. or if you r,ead merE in:.:l(r.,~tio:l
about a tra:isaclicn on your statement, write us on a sepa,ate shes! at the address
listed dn your slafsmenl. You are required to notif'j us in .writing w!thin SO c.ays
following the date on which wa sent }'OlJr slatement wherein the error or probtsrn
first appeared regardino any discrepancy or unauthorized transactions en your
account. Failure to notifY us may result in your acceptance of any responsibHity f:x
payment or reimbursemsnt to us for any :such en or or ciscrepanc~' on YC;Jr 2':::ClJ:-!t.
Write to us as soon as possible. Y::lU can telephone us, but doing sc l;....m not
preserve your rights. '
.In your letter, give us the following iniormation:
Your name and account number.
. The dollar amount of the suspected efror.
. Describe the error and explain, if )'ou can, why you b.alie'le the,e is an 6"0:.
If you need mora information, describe the item you are not Sl!rs about. .
If you have authorized us to pay a credit card account automatically from Y::!l:r si::2.,e
account or checking account. you can steIp the payment on any amount you think is
wrong. To stop the payment your letter mi.-1st reach us trlree bu~iness days be':cre he
automatic pay men! is scheduled to occur.
YOUR RIGHTS AND OUR RESPO~lSIB!L1TIES AFTER WE RECE!V: VeLlR
WRITTEN NOTiCe - Wa must ackno.....!adge your letter with.in 30 days, u:11sss .....e
have cor:ected the error by then. \'Vithi;: E'O da,.s. we must eIther correct the ST:'~ or
e'l<:ptc'1ir. why we bafisve the s:atement was corie:t.
In this Agreement, the words you and your meC'..1S each and all of Ihose who ap;:iy
for the card or who signs this Agreemer.t. Card means the VISA Cred't Card and 2.,"'!Y
duplicates and renewals we issue. Accol~mt means your VISA Credit Card Un;'ci
Credit account with us. We, us, and ours means this Credit Union.
1. RESPONSIBILITY - If we issue you a card, you agree to repay aft debts and the
Finance Charge arising from the use of the card and the card account. For exampie,
you are responsible for charges made by yourself, your spouse 2J1d minor children.
You are also res;lonsible for charges made by anyone else to whor.'l you gi'/s the
card. and this responsibility continues until the card is recov~red. You cannot disclaim
responsioility by notifying us. ~Jt we will close the accounl for new transactions if YOl.:
so request and relurn an cards. Your obligation to pay the account balance continues
even though an agreement, divorce de:ree or other court judgment to INMich we a~s
not a party may direct you or one of the other persons responsible to p~y the account.
2. LOST CARD NOTIFICATION - If you believe the card has been lest or ste,len.
you wiil immediately call the Credit Union nt (717) 234.84B4 or (800) 237.7328. After
hours cal! (800) 556.5578.
3. LIABILITY FOR UNAUTHORIZED USE - You agree to notify L:S immediately.
oratly or in writ1ng of the loss, theft or unat..i'thorized use of }'our Credit CCl~d. 'f:lu may
be liable for t:'e unauthorized use of )'Ol..r Credit Card. You viill n~t I;e Iinbls for
una~Jthorized use that occurs after you notify us of the loss, theft, or pcssioie
unauthorized I.:S=. You will have no liability f,jr unauthoiized purchases m6::ie with
your Credit Card, unless you are grossiy negligenl in the handling of your Cerd..1,1
a:1)" case, your liC'.biH!y will not exceed $50.
4. CREDIT LINE - If we approve your application, we wi:! esta!:lisll a sstf.
repfenishing Ur:e of Cradit for you and notify you of its amJ\.Jr1l .....hen \'/e is~u:: the
card. You agre~ not to let the accounl ba!ance exceed this aj)pro'Jsd Credit L!r:,~. Ee:h
j":':/;,',...l;,: yC~~ F;:'\~ C"i :~.,:. .::::;:::.ii..l:-:; '.::]; ;'=~V:.~.: YC'L'r c,~~(n U:;(: Ly tir3 ~'.i;': ~T: nf f.:..
payment which JS applied 10 the principaL You may request an incrsass ir; y~u~ Cr=ci:
line, only by written application to us, 'which must be approvsd by our cred't co;r,mi~tee
or loan omcer. 6/, giving you written no:.ice we may reduce yowr Creen: line from time
to time, or with good cause, revoke YOur card and lennin;;.te thfS Ag..ee'Tis;",:. G::oc.
cause indudes your fai!ure to comply Witil this Ag~eement or any ot~er agreemsilt ,,'!i!h
us, or our adve~ss reevatuation of y:nir creditworthbess. Yo~ may als:) termiii~te t;-,1$
Agreement at arly time, but terminatioil by either 01 us does iiot ailec! YO'Jr ot.!igEJio"',
to p::~' tn~ accou.,t bara'1ce. The cards remc!in our pro~.erty a:1j you m.!s: re;c:,.::r a,;..:I
surrender to us all cards upon O'Jr reG.~.;stand upon termir:E'.tion of this Agres~n-;.1t.
5. CREDIT INFORMATION - YOLJ a'..:thoi"ize us to invest!Q::te j.'~;..rr cr::di! ~:~nji,-:g
.! ~'/nen op.ening. r;~.ew:n9 or reviewing Y'ur..ac,,:;ol:ilt. ar'ld re.t! 2:;!hO~~~~ t':: t~ (~s,:l'~a
i I.Ff:,i;'i;;'~:O~i r,:G?,.CI.i~': v,::wr acco'Jnl tJ C "9:11, bur::'a'.!~ ~::G c~n-:lr cr~:::IID".:. ....:'1(, ;r.~.W!j::.
. I of us about yo~ur c~ejit standing. '
I 6. t';!ONTHLY PAYMENT - W~ will r:.a.ii Y':tu a s~ateTl9r.~ ew;;:}' r;~::,r.(h S:1C.:/lg Y:5
I Pre..b'J3 Ba!anc-:.s of ~'..:rchases and ca5rl c;d':~;",:::e$, the curr.;l:"!t t~a."~,::,::;icr:s :'n yo'.:;
! cICCw!.mt, the re:7',2:nir:g credit 2'0llabl€:yncer your Cr;.dit Lhe, t1;; ~!::,.v ~tJ:~~c~,s.c~
I p'x.:J':,,~:::;$ and c:::sh t;j',?,r,ces, til=: Tot;:.! Ne'N Ba!2nc~, t:1e Fi;-:;::.n-::-s C~1~:l1:: ::~;e ,') :::.:::s.
I ~;1~;Jt~~1~~;~~e~:;,~:~~::~t~;~1~~;~~c6r~~~~ ~~~;~~;~~~~{.,~J~;;~~ ~'~~~. ~~~~"'~~'~:
;;~~H2~t~~:5'~iif:;:,~1~~S~;Ot~~~t':/;:~':;~1;~~:~~;Sf;c,~~~~!;\.{:E~;f~i
~~;,:;i~..~~~.:~TI~~~'J~1~~;~2~i~; ~g~~t~~~~;~~;~' i~\.~,:;;~,~ ~~.~.~~.~ ~>~, ::'.':: ~",::"~ .;~ ~ :::~---.: :
i ~~:~,~~~~~;t~~)l~;.~~~l~~~~~J~~~~~:;~i~~~~~~~f~~IH~~}~~:~~~':~;~'g
L__.______________________.
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then to previous cash advances fn.=nce charges, then to previous purchase final
eh3.rges. then to current late fees. then to previous cash adv:::nce balances, ther
pr6\'icws purchase balances in the order that they v"e~e posted to your C'.~C::l:.mt, Ii'
to c'.JrrE.1t cash advance. balances. and then to current purchase batances. .
7.. FINANCE CHARGES - You can avoid Ihe Fir.ance Charge on purchases
paying the full amount of the New Balance of Purchases each month within 25 dl
of your sta.tement closing dale. Otherwise. the New Balance of Purchases, and I
s:JbsequMI purcha!'.e.,:, from the (3.t~ they are posted to your account will bs $ubj
to Finance Charge. Cash advar:css ~.re always subject to Finance Charg! from 1
date they are posted to your account. -' ':.
Purchases: We calculate your finance cherge by multiplying the al/eiage adjusl
d~ly balance (see e~planationbe!ow). including new pu!chas!s, for the billing cyl
by the monthly periodic purchase rate and corresp.ondlng ANNUAL PEflCENTA(
RATE 25 disclosed on the Adde:",d!Jm.
Cash Ad~ances: We calculate your finance charge on cash advances
multiplying the average adjustsd da:ly ba!ance (see ey.planEl.tion below) for C2
ad'l?nces during the bllling cycle by the monthiy periodic advance rEte a
corresponding ANNUAL PERCEN',ACi.2 r"I!.T:.: (,5 d:SC!O~Ed en the Addendum.
Balance ComputaUon Method
Average Daify Balance for 'Purchases . Th; Average Daily. Balance for Purcha
Transactions is ca!cu!2ted by a::!cing the DaHy Balances (Purch?..5= Trai'lsaction)
each day in tha blli!ng cycle, and then dividing by the number of days in Ihe billi
cy:!e. To calculate the Daily Ba!ance for purchases each day, we take the follow!
s:eps:We take the cutstanding b2.lance (20:1 amO~Jnts you owe: at the start 01 the d,
Then, in the seq'..:ence in which amounts a~e pJsted to your account, \'/e s.~ t,
. amo,.m!s or Ed! debits and subt~2.Ct the'alT1-:lUnt.~ o.f Po!: cred1!s or peyments ....th1ch p:
to y;;..v ,"r:"(;;)~lnt !::d ti~;.y. l.i":oJ: .1t-'~~Y;::lJ ~ Z:j',;i:""',::; c;.;;.~ .::",2;:;, ;~'0 ~;;bJact .tl
"Ernour,t of any unpaId Finance Cha~ges or Late Charc.as. Ther; we als=, s:.1btacl ~
amount of any Cash Advance transaclions that posted to your account on that. day
in any previous day in Ihe billing cycle. This gives us the Dai!y 8s~2.;lce f'~r purch.ss€
A.,'S,a~e Daily Batance for Cash A~Va!lces . Cash ."-,dvance Transactions vfoich iE!
post=d to:: y:tur account are n~t inciuded ill trle Average Dally Bela;1ce ca!cula~i:ln 1
p'Jrcf1ases, and are tllerefore net s:;blecf to the montl'j!Y pedcdic r:,!e for pJ;c~i~s~S. T!
A-lfiJrage DClily Balance is calcu:a~:j seiiaratety for C25h Ad",'af'lces and [5 SUJ13;! Ie: t,
Ca;;h Ao':a"tC$ MO'ltMly Period;c R~te. The Avera';)':: Dzify 8atanca b, Cash Tra.:1sa~I:l1
is ca\:::.:la:ed by ~dding the DaH]' Ea'a,1ces (Ces.!l Tra:1s:action) fo; e::ch ria)" in tr:;~ bt=
~yci=, a'ld than divld;ng by the n:.!:':ioer of d:-.ys in j:,s b;mng cycie. T:> cab.Jl=;.te t~,e:~ ~
8i?Ja.1:e for cash €C-,ci1 day, we :;.:';s Ihe foli('\~'.':nQ steps:We take tMe o:.J!sta~171~g :.a.,,~
(;;;.11 tiiO:J'J"'I~:; you 0':/3) at tie sia~i c; the day.lt:siI, in tr:-e s.;qu::.,'::B. in \',hl.:r: ~~~~:~~
aie j::03tec to YO'Jr a;;O'Jr,t, we a:j' the amounts of f.~: debits a....,c sjo!,a~~ t,..!~ :'~::~~
o~ ~n cr~.~i:s or paytnsnts .......hlch p:st to YOdr €iCc~'.:r:t.tnc:.t d~y.l,f'..e~ :-p~:r~f.Qp,.~~~';;;;
2iiC cia~:::;,. we sIJ~t-acl tne a,:,o:.;:,: of an;; ur::.a::::l h..::."tc:; Cna-oe:: 0, 1.0..... ': ':- ~';'\
Then .....: als'J :;ubt~C".~i the at11o~!"i: of 2.1; Pur';:1.E:,S: Trf.r:sa::i;or:s' t:'C'.t p;>sts~ t::; 6~
r:CCO;.::-lt (\;) ti,a: cay or in any p~;'.h.rs Cz.'/ h t'1s bi:!ir,o cyds. This giveE t:S t?~_....;;
8:.!::..""lc~ Ivr CaS!l Pj',/:tnce Trar;s::l:t:o.-;s. Note: Cash AcT'.'~!r.~=s ~;r$ el..../sy: s:.! );;..~
fir ;2i1~", C~O;!gss an:! fron., ths ceil th!;'}' 2.re ~':)::td to yo:rr account. . ~ .
~~g~~:~~~10~1[v;!~~~;~i~~)~~
~1:;~;,:~;::~ i;.;;i~itt:~~:;, O::i~~~;C;:, ~';::.~~~;;,~t ~;c ,~;',:(~, ~:'~::~~;?i;~
--
., - "".::::~~-:; ;'"
.~~~2~'::~~~,~~-C_~;~~~_,_-_~~~~~~~;ti~~~~-=~~~~~:~~~~~~=~::~~~
\.... 1"''''' .................," ....' I l-J"" . ,"'..... "'l.A""""'''''. co" c...;.~, "-,,,"; "C:. <, ,-'... W~'.. "'. ~_. ._. _ ..._._. _
8. DEFAULT - You will be in default if l'oU fa:[ to make 2:'"'1 ~t:;'~;17l...t:l PG.j:1:e.1t rr.or~ th2:'! S50 and was ma:f; fi"~rn a pl2n m.;;rchantin your staie"or vAthin 1CO~:T!~1~
within 25 days after your monthly statemenl closing date. You awthcriz.: us to tra:-.s;ar of your home. Any cthe~ disputes you must r~sollfe directly with t!1& prar; m;~chanl
funds sufficient tp make the minimum payment due if YOl:r VISA lean is iii cefi.l,.:it 13. SECl!RITY INTER'::ST - To secure your account, you gra"t LlS a pu~cha<
Vou agre'e the! we- may temporarily suspE!nd your AiM card access if your V:S.:3. rr:cn;y security intsrest under .the Uni:orm Com~erciai ~od.e In any g~ods ~
payment is due for a period exceeding 30 days. You will a!so be in d-9fault if your p:.JrC:1asa through ll1e account.lj yeL' default, YiS wI:l ha'le to,s nght to recOVsr ~n~ I
ability to repay us is materially reduced by a change in YCllr emplcymen:, en thesa gc.ods which Vle havs no: been pj:.id ,for throUfjh cur e.pp1iC=~ion of yol
Increase in your obligations, bankruptcy or insolvency proceedings involving you, payments in the manner described in the Monthly Payment section. \Vith resoect I
your d~~~h or yewr failure to abide by this Agreement, or if the value of our sa';:Jrl~ this account only, we VJiII not ass5rt any ~tatutory right we may have if Y'J'J' ere :
interest materially declines. We have U,e right to demand immediate paym.::"lt 0: yc~r de:a:.J1t to pie'le:':! v,i:'~crawal of your unplsdged credit union shar;s (De.':lo~t
full account bala:1ce if you default, subject to our giving you any notice ~=lu!red by be:ow it,€- unpaid balance of your account. However, if you give or have grvs'fj us
law. To the extent permitted by law, you wi'll also be requIred t:l pay cur conscUon s;-ecific pledge or y~;.:r credit url;on shares. (Deposits) by signing t:":s Fle-jo~ l
expenses. Including court costs and reasonable attorney fees. " Shares or otherwise, or any otl1er security interests for all your debts, y:our accour
9. USING THE CARD - To make a purchase or cash advance, there ere tNO will be secured by your pledged shares (Deposi:sj and by the property described i
alternativ~ procedurt~ to bA followscl. One is for you to rresent tr,i" card t., e. these C't.~er security agreements, except for your home. .
participating VISA plan merchant. or another fjnancial ir:.s:ti!ution. and 51g:'\ t1a saies or 14. EFFECT OF AGREEMENT - This Agreement Is the contract which applies t
cash advance draft which Will be imprinted with your card. The other is to COi.lprS~e the ~ll transactions on your account 6'15n though tna sales, cash adva,1cc, cre1it (
transaction by using your Personal Identification Number (PIN) in conjun:tion \~~:h the othsr s:~;::s yeu sIgn or re~eive m3Y c":lntain d!ffe~ent terms. We may t:nsnd th
card in an A:.Jtomated Tel!er Machine or other type of er~ctron;c term.inal t'1e.t provides Agreems:1t from time to time by s~nding YOLt the advance written no:ice re.qulred b
access to t'1e VISA system. You agree ttlat. you will not use your card for any law. Yo;.:~ uss of the card thereafter will indic~te your agreeme,"'lt to the ams:"!omentl
trar:saction th~t is. mSGEl! under applicable 'faderar, state, Of I~.car la~'-:. Ths rrlor.liiy .To th; e:..-:ent.the law pe(m!t,s, 2:1d we Indicate in cur notice, amendiilS:1ts w!l! s,=,p;
statement will identity the merchant, efectro(lic terminal or financial institutio:'1 e.: ',I,':-';ch to your ex:;sting account balance as Ir':ell ad to fut!1re tra!1sact:ons. '
transactions were made. but sare, cash a(jvance, c~edi! or other SI!f:'d car:;1~t ~e. H'. P .
returned with the statement. YOL: will retain 2, copy of s;;ch srips furnished E.! t:-:~ iir.l~ ~:;.;:~~~ r~Y~~:n~ De~g;t;~.~/\~~r b~i~~~~t toa~~~~~;~scg~~~a~~ ;~t~i t;':
of tile tra.nsaction in order to verify the m;)nth,iy statemEnt. Trll? Credit Unb!i lToey ,'n.;.;,E r,,:r;i,i1;.r:7, sche:iwled pc:yms-nt.
a TCa!onable cha~ge lor photocopies of s!i~$ you may rsq'_iS:it.
1 S. flUS!'"1 FEES - Vow may incur adjitional char;ss for._rw~~ P:';C€ss;:-,g aGe rusi
10. RETURNS AND ADJUSTMi:NTS - M:!rchants and cthers W;10 hor.c~ trE c,;,ro ce!i'..e:-i 0: ca~ds an,:j,ior PIN mailer.
may give credit for re:~Tns a,"'ld adjustments, ,and they \.fil! do so by sending us a :::e=.di~
slip which we wil! pest to your VISA Iir.e of credit. If YO~lr credit a."ld p~'/mer't! s:--:csed 17. DRA:=T COPIES - Yow rn"':/ ir:.cur ar; add:tio"a:. chargs tJr tr:;.~s~ct~O!
what you owe us, Y:~ will automatically PO!it the excess credit ba!:!:"lce to Y:l;J~ 81 s'..!mrr:ai'y.'sale draft doc'Jmenta:;orl.
Shares within 75 days. If the balance is one dollar or mo~e, upon ycur writie:'\ ree,llsst. 1 a. COpy RECEIVED - You acknowledge rece:p! of a copy of this Ag'esmenl.
we will refund the credit balance to you. ! 1 S.I!.J:,EGAL TRANSACTIONS PROHI3lTED - You agree that Y.:lli win not use Y01.l
11. FOREIGN TRANSACTIONS - Purcha~ies and cash advanc~s made in foreign card for any tra,1sactiM thal is iIle~al under applicable federal, state, cr loc!! Ie':\'. .
currencies will be billed to you in U.S. dollars. The conversion rate to ooll:'.rs \'/ill be 20. t~O USE - Inactive Visa accounts that ha'le no purchase or cas;' activity mal
made In accordance with the operating regulations for lntarr.ationai tiansa.cUci'\S b.=l ~loscd without notice to you after 18 months of no activity. .
established by VISA U.S.A., Inc. 21. NEUBAl NEnYORK - PSECU uses neuiar network sys!srns to. p~edlct ane
12. PLAN MERCHANT DISPUTES - We ere nol responsibie for tr,e refL.:sa: cf p.ny prs;J:nt un2ut.~crjzed t~ansactjo/"!s. Tnere may be occasions when a tr...ilsaction h
plan merchant or financial i~stitution to honor your card. We are subject to claims and I deciinej because It is indicative of possible fraudulent activity.
~~~./7r~..w'~~:lr.~~~~~~~imt'~.'l'\'ilt.::m;;~~
~_.R~.~~., ~.:!"l~~~,&-.=._..~ ~4~.A;-4V~:Hl'~_
ATM CARD CARDHOLDER AGREEMENT - The Undersigned (you cr your), in 11 you arid authenticate and vaadata your directions to a huma....1 teUer. You else
consideration of THE PENNSYLVANIA STATE EMPLOYEES CREDIT UNIOi\i (wc, understand that a Merchant which a.ccepts the ATM CA.RD for a Purchass
our and us) Issuing to you an ATM CARD, hereby agree to be lega:ly boltnd by the ! transa:tion may have an electronic terminal (Merchant ope~al9d or S!l!f.Servi~J
following terms and conditions. You a9re's that the use of your ATM card(s) I which fe,quires the use of your PIN and when your PIN is used at a Msrchsnt's
constitutes acceptance of the terms and conditions of this Agrs$,"'ne:1t Y;)IJ I teiminat, it will authenticate 8!'ld validate the d:rections given just as your actual
understand that ATM is a credit-related service and you a.wthorize PSECU to ob.tain II &i~j:,E.:jr~ .~~.m <l~t!1~i1tfc~te and va::d~J!J yeur dir~cUcns 2:v~.'1 to ~;'::. Y.o'.1 a~:mowle"Jge
a credit report on any users of this account. , that ycur PIN is a.n ide"tificalion code that Is persona: and confidential end ~~t the
1. ACCOUNTS AND USES OF ATM CARD _ You have the accoun~(s) ilr.;-;~t:fL,c I L:S9 0: t:'e PIN with the ATM CARD Is a se=urity devise for your account{s).
Checking and RegLllar Shares), WlllCh we set forth on your ~.ppEcaticn :crni \';1::, th:s ! T:1er~~;;)ra. YOU AGREE TO TAKE ALL REASONABLE PRECAUTIONS THAT NO
t,~:~'....:mM~ y:".. !......::b:/ r'::(:",..:.~ that ',.",; ::;~~:o tQ you on.:- N 11~1).'~ l.rld S,~..RZ.!:~ t: ! ON::: F! Sf I.Ft..RNS Y(}Uq PIN,
be USl::j ill connectJOi1 with such accounts as described in tl1is Ag~eeriient. S. lIt.SILITY FOR UNAUTHORIZEDTRANSACTJONS - You egree to contact us
You understand you may use the ATM CARD at a STAR SYSn::r~'!S~ IJr.-l L':l (1) Pot ones if you believe Ihe AT~ CARD(s) issued to ,'Ou or PIN has been lost Or sto~en
w!:hdra....- t":~.5h from, (2) make or arrange for deposits in, (3) effect translS!rs to o..-rrC:;'l or rilC'isy is missing frs>m.Y9L:r. account(s).. YO'J aiso. agr.e3 that if your m..,~;hJy
YOur account, (4) re.:el".s- information re:ga.-ding Ihe bal3ncs, in your E!ccour,t{s) or (5) s:f.t.am".1t s:'\o;:s t;ar:.sz.ct:ons \'/hiCh y.::ll:J did not make, cnd rOll do no!" OJr.tact us
make cash advances from your credit account(s) in the a.mounts yo:J rsa;.Jss~. Y:l'J nli1.{ 'I. .v,::t;;:;: .EOdeys a:ter t~,e statement was mailed ;'J you, you m~-y n:lt pet eny I"!}~er
also use automated teller machines throughout the Un1ted States a,'dln, cer:Eli!"l ' !?st &~~~r ~'at ~~me. YOU AGREE T~AT I~ YOU GIVE y\?UR AiM CARDjs} end Pl~
foreign countries Y!h.ich bear the PLUS SYSTEM:!) name and logo .(1\ t,J :!i2.k= 10 S..;r,:1:0r,= ELSE TO USEYOiJ AR::. AUTHOi=t[ZINGTHSf,ATOACI ON:C>U"
vJithdrawals from, (2) effect transfers to or from. (3) receive informa:ion rsiarC:ir.g t;le B~~:A!...F AND YOU WiLL BE RES?Q,~SI8LE FOR AN,!" US=: OF THE: C:P,RDtS) ~'i
balances in your Checking or Regular shares. If you have a PerSOr1al 8s;.':I::'; LC';:1 THE/.!:. You coul,j lose an your monoS! In the acco!.mt(s) It you tak3 no acho:'! to no.l~
approved and in place, you may also make a cash advance frcm yo;,)r PSL. Yo:.! fKlhs; PSEC:": of the loss of your ArM CARD. or PIN. Safeguard yo.;( Pers:)(12
understand you may use the ATM CARD to p'Jrch,se go~ds !::-;:; Es...:iGSS Id~rt!I(cati:)n Numb;!r (PIN). Do not teH or cf:sclcse ~'our PiN to any oth~~ pe~s~n. D:,>O
("PL:rchass.) at ariy retail estabUshrr:ent ("Mer;::tl~.nt") whers .tIt.! C.';;'.~:D~ ~:re r~~~ t';"':~ y::.';;{ ;'.1'-.1 cor. Yvur AiM CARD. Do n.:>t l~.s~p a \'/riUen rscord 0: YC!.;r ?iN ~e_r
,p..ccepted by such Merchanl.lf YOLl use the ATr...1 CARD to ma~e a PL;rches~ t) ,~~b~~J~ y:::.v ;.Ti':i C,l.FW. Do root choo~e a PIN that is e;l.~;!Y ije.ntifia::ie. .
I c2sh, if permitted by the Merchant, you shai! be requesting Ud to wfthd~z"l r.:nd;; 'iI t:"1-: P. n:,.,'; c~;d ma:: be orderEd for yO) ~t that tirr.E' ~.:,,:d... "(lei:!' wiii te p:=,c~d o;.~.y:)~:
\' ~;,1"!C'~:~! c'f $L!,:-h Pl!rc~?~e (i~c!uding ~~~ C;:;S!'"I ra.:ei.:ed fr,om th~ r..l$~c";,~r~:) f~v~:Y':':_!~ ~';:~ c~.-j: f.f~,,"; ::~ch tkna, if YOt.; tfr..j ;,'C11: ?!.:i c~;d, (es!;-ol t~f; ci:i card ty Cl,;.lIl'lg h
~ Cnec,,<:ng Sij:l,es a:':::: d:rectlt':J or orC:;~I;"l? us tJ pay s~!cn f'J~:FS to t!1~ ..:a:ch;;.I n n:~~;. I: p~i ~:\!smpt t':l use yox (.ld care, rt Vi:,! r .Jt wOlk.
~ '., ,::<\.,~1
. 'you requsst that we wfll pro'/!de 10 y<y,,: s~l;h othe.- services 0'- aCCHS to o:~,;: J..7j'.i :1. CHt'.FlGf.:;.- Yo'.' acres t:> P='/ 2. 50 c.;;nt cr-,a~::'3 for eE::::h ci=~Js:t or !{.':\;IU_ .t;
i s~/~terns or n:,woiks L:s!ng the A:TM CA:iD, v:rl!c.~ we r:1a/ !t.t.zr ~-ir~:.~:'''';:!!,'):.::- ~::"l:i i:?~~t;::ir.g ~~. a r.KI:1t~. Y":'I agree" t'.J pay t'\~ 50 :::~~.r~t fe(1~:ty. ch,~:g~~ ~~'.~'~.}~ ~~~
I whrch v:e ad'/rse YO'J are offered 111 COrlne=fion l;'/llh Y'Jur E:.CC-:lu;:t~s) S:>~ 1(,cJ;, ,,:. y_,ur c:s::'~":,~rn=~: :ranS:.~~lon (I~ar: aj'.,'<,nce or snar-E ..";'!t('lora~':~l) !r,2t IS ,;:::- .h_.,. :.-c
j ~pp.licati.on brrn. Yo~ a:so L!r'Jcsr5t2nd "t:~!at rrN,l time t:l :;",= yc>~. r..5;.'. :.~':f- ::~~~~ \'c'~: :: .~.:.,0 1;:,;: r.i a 25 ce;1t chc=.~g$ en e:.C!1 b~J:'-,Gt' L~Kr.I!'-Y. YOJ .m~y i~':w: a~~;':;;:;~
I v:rrtir.g t"at we prOVIde access to cd<:ri~ron.;.! aCCOi.mts CT yours tn:~.I":'i t."j; .~';i I,. f-.r Li- r :::'.::"~"".I-=~it :,,;:+ n:'~-:5: t::> to:': trl"'d'" to \'~"r a-col:",! reS"!!'i!::; if;;) ,1 :...-.
. 8:\~~I:~~~~~~:i~;~r::~~~~i~c~~;e~h~';:.,l~: ~~~5 r~gt:,'.~(,;T~; ~t~:; .~~~;2:~c; ffi,~~:f::fn:;~~:~:~i,~l~~~~ ~~~~E~~~~t~~;~f~~~~:;.~!r~t~::;;:.~~i:~
2. l!SE Or: PERSONAL IDENTIFICATION NUi\.-~3ER ("P!7~") WiTH X:'";': (:,_.::::; u ::~:,~~;s:i f:(,m ti;"ns ~o ti"!B. _. ...,.' __={)$
~~;~~;~it~~~;~~~i~~itf~~(~i~;t~~~ ~~~lfu\~f:~~~f~~i&if~~g{~~~
,j.l1~{~~j.i);~~~__~______________._._____.~..~-------~
;.c..:i::.::~.::,---"--.--.O=-
. _ ~ - - ~ =-.:f--': ~,.. -- -=-_ -~---- -- ~~=...~__~.....:::-:::::-~... - -,,'-~::~~ ~...~~~:.-.-~j~~=_:~:t:.-'.'._:U~=~.~~_'.....'~;.~:.:-~,',.:~~,~_~_'_~_-,-,_...'_'.-.._-.--.~..<-."=-_.:-.~~_u~.'-.-.c...~~.:~:..~_-~.._~~.i...:.__-._'_-_.'.-
_._.=~",~-:------.-:~~~.~,.,-;,;;,~;~-:_::,,::..~~~~--~.,.,,=- - ~- -""--~~;,.~. -: -~ ---~,-,,,._~-~:::..~-..;; -'- ..__.._--~
STAR: SYSTEMS ATM that is owned b)' us or another fjnan~ia! ir.strtL.1ion. Ycu a!s~
understand .end acknowledge that not ail STAR SYSTEMS ATill:S may 2;C~::Jt
depcsit5 end sc"T,:': ZT/\F1 SYSTEJvi5 An.iS may limit the ;am:Juni cf fU;"lcs \':;;;ch
may b~ depositad and that we may not contrel Ihese limits.
E. LIABILITY - If the ATM CARD is 'issued for a joint account, j'c~ EQrS$ to te
jointly and severally liable under the terms of t;':5 Agreement and the agreamsr:t ior
such account. You agree that jf you mal,s deposits or payments to your ac:cufit(S)
with items other than cash (checks, drafts or othsr items) and 'o'!S make iU,1CS
available to you from such deposits prier to their coilectlon, you ag:s= t'1a! we may
deduct the amounts of such funds from your account(s) which are r:ci collectsc ai,
jf the funds in your account(s) are insufficient at such t1me, you will p.1jf:"lpt1y pay to
us any amount of such funds which are not collected.
7. AMENDMENT OFTHIS AGREEMENT - You agree that from time to tLns \/.'S
may' emend or change the terms of thj~ egre~iiie,lt including 2f.1a~rdrnEnts or
changes to add furlher ATM CARD seiVices or to amend or change t1a chard~s br
these services. We' may do so by notifying you in wdting of such a,,,snoments or
changes and your u$e of the ATM CARD ailer the effecti'le date 01 an~! EJch
amendment or char.ge shall constitute )'our acceptance of and agre:mMt t, such
amendment or change.. .
B. OWNERSHIP - You agree, that tht~ AiM CARD is our props;t.: 2~id y=,u '....;W
S;'lrrender it to us upon our request. Ycu agree tha: t;'e ATM CAi=.D i3 r.::H'l-
transte'able.
9: DISCLOSURES - You hereby acknClwlecg-a receipt c~ the cjs.:.c=;j'~ s:a:"'.':-.,::1:
informing you cf yowr rights ur.der the Eiect.'or,ic Funds Trai1.sfe~ A:: or.: i:'. cc;::;':;'
this Agreement.
RIt:iHIIU1\lA:\c tn.....,'4~rl;r-.w-
.ArM - Fi:~y C-=1'- f.... e""", ""s"'ur-~""j~,.t (...-::1- a."':...'~-c" cr" '>"0
. ,. -'.:)....' _v....,..... "'~., .-, "'::;_'. ~. ~.,,;:; ,.n., , r;;.wi:'.')
t71a" $20; tift:,! Cer:ts fer each t'a:lsa,:tion c'/~r 15 pEr m:::i1!~:;.25 c;:;t ;e;: .
balance inquiry; and there ~ay be an additionaf charge fer any adj~~t;
tr.at naeds to be made 10 !ne acccunt of any member whc maks-s a,
while depcsiting at an Automated Teilsr machine (ATM). I
J!.CH - $20 service charge for insr.l.Hlcient funds tor each electronic trans
EST - none
7. SUMMARY OF CONSUM:R'S RIGHT TO RECEIVE DOCUMENTAT!ON
EFT'S - '" .
ArM - You ar9 entitled to. receive 2. printed receipt at the time 'of E
transaction. You will receive a monthly s:a!sl'i1ent showing the S;2tUS of '
a.;count, any tiansactions made c..dng the month, and any o:m2J:i..~
cha.'ges PSECU may impose dl:ring the month. . <.....
I.CH and SST - You will receive a mcnthly s:atement sho\f:ir.g the statu
yowr account, any t:-ansac:ions made during the month, and any psr.altia
charges PSECU ma:l impose during the month. .
!i you have arranged to have 2. direct deposit made t9 )'our acc':.mt at Il
I 0,1ce every 60 days frcm t:,e safil~ person. or company, you can ca:1 u~
(S00) 237.7::;25 to fjr:d o:.:t wl-:sthar c,r not the dep",s:! has bean mads. .
i e. STOP PAYMENT RIGrlTS - PRE.AUTrlORIZED TRANSFEF:S_
J.Tt.1 and SST - No! 2.pplica~ie.
J-.CI-; - Right to Sl:)p Pa;/mer:: a~d ?roce.:i:;res b,'.':!cl:-;g sc. I; yo:.! have
LIS in advance te rr.ei:.e je~iJlar payments o~t of y::;ur C!CCOU:1!, you Ct.n c
~ REGULATION "E" DiSCLOSURE 2~y of these payments. HS~9'5 hc'.':: Cal) uS at (800\ 237-7328 (Naticn'c'.~
1. ELECTRONIC 'CHECK CONVERSION/ELECTRONIC RETU::,NED C!-lEC!-": cr (717) 234-8434 (Hariisbwrg) or writs t.:S at: Panr1s}'lvania Stats Empioy'
FEES -If you pa:{ lor something with e. check or share d;aft, yeu ir.!.;t authcdze it Credit Union, PO. 80x 67013, Harrisbur~. FA 17108.70i3, in time fer U~
to be converted to an electronic fund transfer. You may aiso e:.rthcr;ze i.HuchE.n;s to receive your reqlJSs! tilree b'JSiMSS days or mere befo;-s the paymen
electronically debit your account for returned check fees. You 2ie consid:sred :0 have scheduled to be made. If you call, v:e may' 21so require you to ~ut your reqtJ
authorized these elsc!ronic funds transirars if you co;nplete the tiansacticr; sf!er in wri;[;,g and get it to us wiih[n 14 clays after you call. .
being told (orally or by a notice pos:ed or sent to you) that the ti.::nsfer r:1ay ce - . Notice of Varying Amounts. If thgse re\2ular payments may vary in aoilOl
processed electror:icalfy or if you sign a written authorization. the pe~son YO:J are going to pay will tell you, 10 days before each paymE
2. SUMMARY OF CONSUMER LIABILITY _ wh;n it will be mace and h~w much it wfll be. You may choese Instead to
. ATM. ACH and SST _ Tell us at once if you believe you~ card has been les: t1is no:ice only when the paymenl '1.ould differ by more than a certain amo
or stolen. Telephoning is the best way to keep your poss:ble losses d:)wr:. YOoJ cowie f;om the previous payr.:ent, or when the amount Y:ould fail outside cer:
Jose all the mo~ey in your account plus your maximum overdraft line of crsdi,:. If y~u limits that you set..
believe your card has been lost or stolen, and you tell U3 within tw.:: buslnes-s cays Liability for Failure to Stop Payment 01 Preauthorlzed Tisnsfers. If )
after you learn of the loss or theft, you can lose no more than $50 if someone used cidsr uS to stop One of these payments three business days or mo~e bef!
your card withe!;t your permission. tne tran~fer is scheduled, 2nd we de not do S:J, we will be liable fer your loss
If you do not tell us wit~in two business days alter you learn o~ the i::ss 0: theft cf or damages, unless we req!J~st and do nol receiv~ written confirmation of
your card, and V:~ c~r. prove we cOt:ld hG.....e stepped some::Jne frem LSi:1g yc.Jr cz.rd oral s:ep pa)'ment within 14 days and the transfer taltes piace after 14 de.
v.ilhou! your permission if you had told us, you cOtlld lose as much !.5 SS:)(!. or you t".it to g've us pioper instructions that would enable us to place t"e sl
cn the transfer.
Also, if your statement shows transfers that you did not mak~, t~:: us at onc~. If
you do not tell us within 60 days after the statement was mailed te. yeu, yC'u may 9. SW...U.iARY OF THE FINAN':IAL INSTITUTION'S FAILURE TO MAI,E (
not get back aily money you lost after the eo days if ws car: prcv5 t~e! '11.3 could STOP CERTAIN TRANSFERS-
I~a""'e f.tCl;pEd ~-::i::€--onc from taking t;-;e man;}' if pu tla.:! t:>id us in {1m.}. ATi'..l - If PSECU fails to c-::,71p;e~a a li~"sa::!1::Jr1 on time or in tie com
If a good reason such es a long trip or a hospital stay KSP: )"Ou fro;:l u.Jbg tiS, 't-!~ am.:iur-;:, wher. properly in;t;ucted by you, PSECU ~',m be liable for damag
vim extend the time periods. c2.!.!ssd by our failure unles:;: (1) there ere insufficient funds ifi your. account
cOiT.pl=!s the lransfelr; (2) the tunes in YOur account 2re uficotlected; (3) ~
.1 ~. TEI..FPHOSF: t;ur.:lBER ANn /<.r1QF:FSSTO f.!.'")Tlr-y Of Ui".~,:)Ti-~(~~.;;~~:::~l L:~,d: fJ; S:..i::;j::~~ t.:.l~ga: f"r~:~:'':-i;,~4} thr f;2.'1.;;:;c:tib:; yo.: req;:~-~~ ,';~:J!:i S;t:e
TRANSFERS - , _. S~'
i t:1e furics in yo;;r account plus any avaHabie overdn::r! protection; (51 ti t'C" It
ArM - Contact PSECU at {aoo) 237-7328 EXT 3.50S.('natic;:w:de) -c'.... (i.H) I. S>'stS..1S, PLUS system has insuff1cient cash to comp;~te ti1c ticfnss..:tion; I
234.8484 (in Hairisbu(g). Ater hOtl~s, fO!!o\'j the manu opticrs on P3cC!j's rO~lr cad has bsen repo~te:l lost or stol~ii c!:ld you are using the reported eei
voice mail system to report a lost or stelen card. ForVIS.A::;redit('fCiscit I (7) PSECU has reason to believe thatthet,ar:saction rsquestsd
Cards, folf:J~~' tlla directlons for Lost Ca.-rj Notfri'~8.tion LI!1der tl,a ViS.i. C...ej,'t :. ur,au:r,orized; (8) the fa:rurE is dus to ar: e:juipmani breai<down tr.at you km
Card Aprc-~r.7f;.")t and Trut,;-in./.end/np Discfcsures ss:-:tin.") eo; !:~is dX.I7:'J.1!. I t;=-Ol'~ '(:hen yOu started 6s- tians?::t!on at the STAR S;..'st:i11S, PLUS S}'sta,
ACH and SST - Contact PSECU at (SOO) 237-7328 (f!a:i:J:-:..!j(~) (or (717i I (9i t~e ;ailun~ ~':as c~'Js;d by c:.n a.;; or G,:,:j, fir;, or oiher ca1?s:rophe, 0': by ~
234-8484 (in Harrisburg), o::~e.' ca~S9 beyond co.'lI~C:: (10) if you Ette:T!;lt to cor;:pla~e a tra;;s2C.I!'Jn tn
Or write to us ii':: 2; a STAR Systems, PLUS System, or tTlarcha:lt t:mr.:na! thi;t :s .n?i.
;:,;~mj55ible tra1sa:t;:),-, lis~=j ab::l'/s; or, (11) the lr:.:1sE..:tio,1 W::lll:(i exc~eo ti
~.~~;~V~;~i ~taie Employees Credit U:1:cn sS::Lr::/limi~a~bns 0:1 th~ t:s~ 0; yo!.:r ATM CARD.
ACH and SST - If PS=CU f?i!s to ccm.:);e~s a tra,1sa;tio!, 0:1 time 'c..;.i." ','
Harris:,u'g. PA 17100-7013 .,
PS~~~ (;~;~{:i:~~fr:~~~;;~;'ide ;}J~~~~~~~tg\~:2~~fi~~t~\~;~:~~~~~~~~~~~;~~)~f~~i~
4. FIi':ANCIAL INSTITUTION'S BUSINESS DAYS - ",(",,":j', (5; P~=CU h"'5 rc=son to b:.li~.J'<:' t"'::t t"lC tra-ns;rn:m ra~i.m.,b-:
5. ~y~~:~;~~~~;~'?l~;::RE::ssF:::r:':'::::~";:;"'::':~;1 ';'.:' :::. "'."'.. ~)~l;?~~~~J~~~;~t~g~j~~;f~,f:~~2~;~~!~'I.;'~~;~::f,~tii:i:;f~~~!
;~~'~k~l;,~;..~~~/n~~:i,e~~~~.;';-t::~,~;' ~~vt~t~.:~,~l~::'~~; ;.;:. ;~~;: ;~~.)~'~:: '-0.... :";:":f.'~I.l~Ss t(' ~(vC'id s'Jch .:r,ors.
. .. '. ,". i :["(".l..0S'.Ir:::: T:-l T!"':~f) P;"-.;:;;TI;':S-
;,U.'(:il,::;C 9.":::.:1:,: 2.ii(j ~C~V~(;E;3 a: :.:~f ::::,::~~,::;g r.,?::,i. s=~..,':}':::',':',;--:~ _R-C:Jr:.
I ~E ~;~;;'~;~~:~;;;~;:~;;f; ~~;~~~;;~~1;},~~~~-~;;;::^~~~:;~ .~ ;.;~;: "~'. ,~..,. i i:~':f'~irf~€'~ji'ii~i~g~~i~;g;~~i~f::~;:~l~~J,~l~f~f~1!;~~;~
L__~_,___ _.____.r___+___._.__.. J'r~:t~tf.1~~}tf.: ..____.~__---
. __ ~~:,_::~_:_,..- .._,..........._-,u ~."",,~ "
:~'~~~~~~;~ic~3~.;?:i..:~:;~j~~2;;~'::"~':':~~~5t::-l~~~~i:~~~-~~;~~;:~!~~~~
orders; (4) in C!.,:ccrdence with yo~~ \'.~::;.-, p-:,';;~:f5,::";; l5) tu c,:,.,~j:..,y ',,;;-;
government or administrative age(:cy swmmcnsas, s;,;tposn2S, or cc~n
orders; (6) on receipt of certification frOr:1 a Federar Agency or dspartr;"lsr:t
that a request for information Is in compliance with the Right to Fir.a.i.:izJ
PriVacy Act 011978; Regulation P, Privccy of Consumer Financialln;crmc.tic:-;;
e.ld (7) vir-en it is Mcessary l'J t,,-:':'~ Ie,::=.: cctier. to r:cc\'e~ S',a.'-:;3.
11.STAR SYSTEMS SERVICES-
ATM Only - You may use your AT~l CARD with your Personalldentifics:ro,'l
Number (PIN) at STAR SYSTEMs Iccat;d in Delaware. Maryla:1d, r-;SN
Jersey and Pennsylvania to conduct any of the following transactions fe.. tia
accounts accessed by your ATM CA,::m.
a} Determine the account balanc&{s) of your Ch&cking your RegJlar
Shares, and your Personal Service Loan (PSL).
Withdraw cash from your Checking and your Regular Sh.eres.
Make a cash advance from your Pers~nal Service leen (PSL).
Deposit currency, checks, .or drafts (cc1r:s are not acceptable) for
transmission to P5ECU for depl)sit in your Checking and your Re~w!ar
Shares.
NOTE: There are. limited locations jn M<~:",f.and where deposits may be maj~.
We wish to in!orm you that some ATMs !cca:ed in ti1ese areas may only pr:Jd::e
access 10 yo:;( Checking, your Regular ,s1"".eres, ;,r,d your Personal Ssro.'ic~ L:&..1.
Not all ATMs may accept deposits. Tr.sre r:-.e.y al!'o be Ilrrj~ on the :,m.:iL,rJ ~f
funds which you may deposit in certai!1 ,~.n.:5.
12. PLUS SYSTEM' SERVICES-
. ATM Only - Yoo may use y,=,ur ArM CA,=m with your Personal ide:1tific::d-:'n
Numbe((PIN)?t 8:1y PLUS SYSTErv! 2.iJ::>n,~tej teHer r.1achine
(PLUS SYSTEM ATM) located throu~hcl:1 the Unit~d States, Puerto F,ic?,
Canada, Great Britain and Japan to cOn(~~!ct any of the following tra:1s<l.cli-:'n.s en
the accour1ts accessed by your AIM CARD.
a} Determine the account balancl=ls) 01 y.,ur Checking, your Reguis.r
Shares, and your p:ersonal Servi::e Loan (PSL).
b} Withdraw cash from your Checking end your Regurar Shares.
c} Make a cash advance from your Personal Service Loan (PSL).
NOTE: Deposits are not available t.hrou~li1 PLUS SYSTEM ATMs.
These are the STAR SYSTEMs services: currently avaitable through the PLUS
SYSTEM network, Other services may te offered in the future.
13, OTHER ATM NETWORK ACCESS-
ATM Only - From time to time, PSECU may make arrangements with .;-:her
ATM networks to grant access to ATM CARDs. PSECU shall inform you '..',then
I such arrangements are made and describe the services that are a'/aila:Jis to
you. Any charges will also be descri~d.
14. PURCHASE TRANSACTIONS -
: ATM Only - YO" may LIse to. A":'t.r CARD to _,,,chasa scods a,,<' sa"'e:.
I . (-Purchase-) at eny retail estaolishr.'E::lt ("Me~cf":.a:1n where ATM CARDs ere
I accepted by such Merchant. The ~mOJJnt of aU such Purch3;sss '/1Im be
, deducted from your Checking. Whsr: YC''J make a Pllrchase using the Art'/l
I CARD, you wm b9 mqu~$ting PSECU tC' withd'r~w bnjs from y::ur Che::;;;;:1g
: in the a;no~lt1: 0: tile Purcha!;s aO"!-:i c:r=::~in:;;~'6:.':';", t-:r Pi:.:lt::;;:;t: Ur.:): to
I such Mercl',ant. .
,,' 15.-LlMITATlONS ON THE USE OFYOUA: An! CARD-
ATM Only - You may ,,:ilhd~a''': ui> l'J SSJ'J p;r d~y from one or 2. cOr:1bini.Eon
I of your accounts by using Et ATM CARD pro'w'idsd the funds are ave;rtl~l-= E:i a
I STAR SYSTEMs or PLUS SYSTEr.A ATM. In a.jdition, you may
withdraw/purchase up to $500 at poI:-.t of ~?.is loca~bns. PSECU re$gr\"c.~ ti1e
I rigrlt to reduce thj~ daily limit at ar:y t;:n~.11 the evs,,! that yO!;:- cEily l~l1:t is
r less thaI'} 5500, PSECU w1ll aovis:. r::ou of the ne',~' limitati~n. The c~::; f~:r
I wi!hdra'..vaf limits starts at 12 midni:i~~ -E'E,ch cc.'j and end.s at 12 r.ddr:i~r~'~ t:-ie
next day. For se.:urity purposes, thsr:: ?",e E'.!S=' c:ertc.in da:i;.' li:i11t3.~:c:-IS (-;1 t;..,s
frcq'J::lncy of use 0: the ATM Ct,.:.::>. He".'..':,'/:r, t!1~sa [jm[ta;;~:~~ :.r: r.e'!
ravealed br se~-:urity reasor,s. Tr,~ Pe.:lIlS/V?f11a State cmp~)}.~~. ':::~a:Ht
U;-;ion is not c1t:1i;;Ii:=d to rnain:a:,; S'.I..:;'; !;~jtS.~:O~5.
You \,'.'i:! be denied ll~e elf Y:lL:r '!,Tj.;! C:.~.F,D if y::'~, e;{c-:=t.:d ins :i~Hy
":ithdrE~',tEll/pu~dl?S; limit, if ~',j~ dc, r"~ r.::IS [';d=':J.Lla~s f~n:is E:"S.:I:,.::;s f'. j::'.I~
b)
c)
d)
I.
,
,
I
__ _ ',:~ ,'.~," ,.,;,~,~,":,:-,:;_'J' :),~,'~:.,.)i,.~,":
L___________~___,_____..____._._.___..___....._ _.., . '.._~
:--'.,,;..:....~.....
-.. ._--~
~~
"~:-""~..::--=-~;:_::".,.,,~....-
n____,.. __ _.._
"~~~-'-:_~~,~,-~=-- ---.~..:.-'7--'~::i":=:'-':::~~~~~;~~>';-~~~~?::;f~.<';;~~-c:-_-. ~ :::~:r~~~~~- -"~~~~~ ."
.' ,. '.. '"
.~.:~...:.c.,;~'-~.;.:.:;;:.~::='::....~:::.',:;'::.~~~~~
':_.~;;~::'~~;.~.t;:~;~~'4~~-~
C":::~1.!:. T:":::'; i~ a 1,,;-,1, C.j t:~; r,;':";-:,:cr c, s_c" c,;-,,~:,.;: ;,.,:;;,,;;,.;..:. ....~!'=~_.::: .
excecd the limit will result in machineretentio:1 of our Art...\ CA,9D. The n~';b~
of a~t=.1'lpts that result in machine r-3!-3:1!ion is not revealed for security p:;;pc'~s;
IE. ERROR RESOLUTION PROCEDURES-
ATM,ACH and SST -In case O,r errors or c;usstions a1:.out you~ transa..::tior'o
Dlre:cc inqt.:ir:e.s tc. PS::CU ~; (cOO) .23'~.,;'Z22 Na.icr:'..,'::c, TCe. (&00) 47:
1967 Nationwide, (717) 777'210Q.in.,Harrisburg, or writs PSECU ;
Pennsylvania State Employees Credit Union, P.O. Box 67013, HarrisoL.:r" p:
17106-701~, as soon as you. can tf ~Q:': think yout statsn:eflt or re=efpt i
w~ong, or If you need more mforlr:a~:on about a transaction Uste:;j en \hi
sta;smsnt or receipt. PSECU must ~:5r frcm you no later than 60 daj's afte
it sent you the first statement on wnlch ths problem or error appeared. YO(
must provide the following information: (a) Your name, aCCount number a~'
ATM CARD numb6r (if a ATM transaction), or reference numbsr (if'Seri
Se:vice Teiephone Transaction): (b) Des.::ribs the error or ths transa.::tj~n YOl
are unsure a.bout, and explain as ciearly as you can why ye,u beHeve iUs 2:-
error or why you need the information, and; (c) The doilat amount of the
suspected error. . .
If you tell PSECU orally, you must ssnd y~i.;r complaint or question in w:itin'"'
"'.-ithin 1 0 business days. PSECU will tell you .the results of the investir!atio~
\':ithln 10 business days for ~tA.Ft ,SYSTEMS, PLUS SYSTEM, ,$!:LF-
SER'/ICE TELEPHONE, or DI:=!ECT DESiT/CREOfT TRANSACTIONS, or 20
cay.s br ST....Fl SYSTEMS purchc-.se trar.sac!ions. If we need mOiS time
ho',\'e'/5r, we may take IIp to .:i5 O2.1'S f:.r S"'i.~.Fl SYSr::ivIS, ?LUS SYST;:';~~'
S~LF-S=RVICE TELEPHONE, or DlRECT D:SITiCRED!TTRANSACTiONS 0;
eo days for STAR SYSTEMS purchase ttar:sactiollS. 1.1 f'SECU decides to do
this, it will recrE:dit your aCCO;Jnt w[th:.,10 bWS:ilSSS days for th~ erno!.!nt you think
is in error if it is a STAR SYSTEMS, PLUS SYSTEM, SELF,S:::RVICE
TELEPHONE, or DiRECT DEBiT/CREOrT transaction, or 20 business days if it
Is a STAR SYSTEMS purch3se transac!:or:. 'rbu will have the use of L1e money
during the time it takes to compisle t;-,e ir.l,'estlgation.lf PSECU does Mt reo:eiw
your complaint or question In writing within 10 business days, PSECU may not
tscredit your account If PSE:CU decides t,e-re Is no error, you will be advised
",:ithin three business days after the investigation is completed. You may ask for
copies of the documents PSECU used in tr.e investigation. If PSECU cr_dits
your account whils investigating, you mU.:it repay those funes. if PSECU
cor-cludes no error has occurred. .
17. ATM SURCHARGE -lfYOiJ use an ATM tl1et is not operated by us, you may be
chargE'd a fee by the ATM ope~alo,' arld by any nationat, regional or local m;lmrk
used in procilssing the transaction (ar:d yeu may b.e charged e fee for a 1:;;lUance
Inquiry even If you do not complete a fund transfer). The ATM surcharge will be
debited from your account jf you elect to compie~e "'"Ie transaction.
Nqti::e To Consumers Using ATf.il's
f~ e'~rt to }'O~:r F!:rr':<:.:",:iir:.;;~"lf YOt.: do~~::.t t~c safety of a particular location,
choose E'.nother ATM,
If the ATi\,l has an entry door, ciose the dc~r pric~ to :nitiatir.g your tr~ns=ction.
Put your cash E.way lmmedic:teiy.
Direct ccmplaints concerning ATM securft}. to an appro;>riate depertment of
lj)e o~'/1e: 01 the ATM. New Jer::ey rssidsfltS: you may call th~ New J;rsey
r'~'-.":"....,':~ .:--f ~'''':kl.\;..~ (S0;:) ?;.?7":,7:....
For those members who purchase a v?l1iclellndet the
D::1IV Prograill,please reviavv the: foIlowing FTC NoHj-a:.
NOTICE
AfN HOLDER OF THiS CONSUI/:"R CREDIT CONrFL~.CT
[S SUBJECT TO ALL. CLAIMS AND DEFENSES WHICH
THE DE8TO~1 COULD ASSERT ,l,GAINST THE SEL.LER
0:= GOCJDS OR SEfNlCES OBTAINED WITH THE,
PHOCEEOS HEREOF. RECOVEf,\, HF'RfUWJF'R BYTHE
~- . ~ p'., f -- - .,....... ". t'"\1 ,.- ",,'.ID E;/"n-!E
Dt:810H SHJl.,_L. NO I L.XCc"D l.!k.;Ur'" S ".., - . '...
D;.:BTOF: HEBEUNDER.
.--.--------.-----
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Godfrey & Courtney, P.c.
BY: Steven C. Courtney, Esquire
Attorney Ln. No. 74669
P.O. Box 6280
Harrisbure. P A 17112
(717) 540-3900
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Attorney for Plaintiff
Plaintiff
IN THE COURT OF COMMON
PLEAS, CUMBERLAND COUNTY,
PENNSYLVANIA
vs.
NO. 2004 - 02025
DAVID M. WARD,
Defendant
CIVIL ACTION -LAW
PRAECIPE FOR JUDGMENT
Enter Judgment in favor of Plaintiff and against Defendant, David M. Ward, for want of
ANSWER TO COMPLAINT.
(X) Assess damages as follows:
Debt __________________________________u______________________-------$ 9,667.40
Attorney' s Commission------------------------------------------ $ 1,933.48
Interest-------------------------------------------------------------- $ to be determined
Filing costs--------------------------------------------------------- $ to be determined
TOT AL------------------------------------------------------------- $ 11.6011.8-8 plus costs
It is also entered that Possession of the 1995 Nissan Maxima bearing Vehicle Identification
Number INlCA21D7ST056352 is awarded to Plaintiff.
(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 hislher 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 whomjudgme t is to be entered and to
hislher Attorney of Record, if any, after the default occurred an t least ten days prior to the date
ofthe filing of this praecipe and a copy of the notice is atta ed.
NOW,JL-u.:>F' I~
ven . Courtnc~';r"
orney for Plaintiff
P.O. Box 6280, Harrisburg, PA 17112
(717) 540-3900 ID#: 74669
, 2004 JUDG~NT I~ E;NT~D As-iBOVE.
(~.ifiTp, ) k .~~
Prothonotary/Clerk, Civil ev'ision
~
DATE:
Godfrey & Courtney, P .C.
BY: Steven C. Courtney, Esquire
Attorney I.D. No. 74669
P.O. Box 6280
Harrisburg, FA 17112
(717) 5411-3900
Attorney for Plaintiff
Plaintiff
IN THE COURT OF COMMON
PLEAS, CUMBERLAND COUNTY,
PENNSYLVANIA
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
VB.
NO. 2004 - 02025
DAVIDM. WARD,
Defendant
CIVIL ACTION -LAW
TO: David M. Ward
845 Meadow Lane
Camp Hill, P A 17011
DATE OF NOTICE: June 1, 2004
IMPORTANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU FAILED TO TAKE THE ACTION REQUIRED
OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN (1 0) 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 OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING
OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP:
Cumberland County Bar Assoc.
2 Liberty Avenue
Carlisle, P A 17013
717.249.316
By:
Steven C. ourtn~quire
GODFREY & COUR~
P.O. Box 6280
Harrisburg, Pennsylvania 17110
Telephone: 717.540.3900
J.D. # 74669
Attorney for Plaintiff
OFFICE OF THE PROTHONOTARY
OF CUMBERLAND COUNTY
Curt Long
Prothonotary
Telephone:
(717) 240-6100
Cumberland County Courthouse
1 Courthouse Square
Carlisle, P A 17013
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff:
PENNSYLVANIA STATE EMPLOYEES CREDIT UNION
versus
Defendant: David M. Ward
Judgment No. 2004-02025
CERTIFICATE OF RESIDENCE
PA. R. C. P. 236
I, hereby certify that the precise residence of Plaintiff is:
Pennsylvania State Employees Credit Union
1 Credit Union Place
Harrisburg, P A 17110
and certify that the last known address of the within defendant is:
David M. Ward
845 Meadow Lane
Camp Hill, P A 17011
Steven C. Courtney, Esquire
GODFREY & COURTNEY
P.O. BOX 6280
Harrisburg, P A 17112
717.540.3900
Attorney for the Plaintiff
Attorney ID# 74669
tTJi 1
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SHERIFF'S RETURN - REGULAR
CASE NO: 2004-02025 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
PENNSYLVANIA STATE EMPLOYEES
VS
WARD DAVID M
ROBERT BITNER
Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
was served upon
WARD DAVID M
the
DEFENDANT
, at 1645:00 HOURS, on the 10th day of May
2004
at 845 MEADOW LANE
CAMP HILL, PA 17011
by handing to
DAVID M WARD
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
Service
Affidavit
Surcharge
So Answers:
18.00
10.35
.00
10.00
.00
38.35
r~~:.,.,
R. Thomas Kline
05/11/2004
GODFREY & COURTNEY
me this 1/ CI..
day of
BY:~cJuNcb
l "t'eputy Sheriff
Sworn and Subscribed to before
7r'\.. -........ ~ r A . D .
o
19-"" D. -.... 1Y\,..." J.,.. .. 1~ - dn t~
U Prothcnotary V
PENNSYL VANIA STATE EMPLOYEES : IN THE COURT OF COMMON PLEAS
CREDIT UNION, :C.u/nt)u)land. COUNTY, PA
NO. d rol-J - uciffi5
Plaintiff
vs.
LBYld ('\). WMd)
Defendant
CIVIL ACTION -LAW
PRAECIPE TO WITHDRA W/ENTER APPEARANCE
TO THE PROTHONOTARY:
Please withdraw Steven C. Courtney, Esquire of the Law Offices of Steven C. Courtney,
P.C. as counsel of record for Plaintiff in the above-referenced matter.
Please enter the appearance of Melissa L. Van Eck, Esquire of Van Eck & Van Eck, P .C.
as counsel of record for the Plaintiff in the above-referenced matter.
By:
Respectfully submitted,
, ......... /)--')
S","" ct::.,y
Attorney ID #74669
P.O. Box 6280
Harrisburg, PA 17112
717-540-3900
~~ o!~&j{fkJ
Melissa L. Van Eck, Esquire
Attorney ID #85869
P.O. Box 6662
Harrisburg, PA 17112
717-540-5406
Attorney for Plaintiff
By:
Date:
Document #: 218597.1
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