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HomeMy WebLinkAbout09-2858IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES NO. Oq - cm% 0,1vit (erM CREDIT UNION, Plaintiff VS. MICHAEL B. HANLE 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 Soutn Bedford Streeet Carlisle, PA 17013 1-800-990-9108 Document #: 180057.1 EN LA CORTE DE ALEGATOS COM UN DEL CONDADO DE CUMBERLAND, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES NO. CREDIT UNION, Plaintiff VS. MICHAEL B. HANLE 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 accion 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 ma's 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 INFORMACION 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 Soutn Bedford Streeet Carlisle, PA 17013 1-800-990-9108 Document #: 180057.1 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff VS. MICHAEL B. HANLE Defendant NO. D 9_ ?L q-5(ir CH."t CIVIL ACTION -LAW COMPLAINT AND NOW, comes Plaintiff, Pennsylvania State Employees Credit Union, by and through its attorneys, Van Eck & Van Eck, P.C. and states the following cause of action and in support thereof, avers as follows: 1. Plaintiff, Pennsylvania State Employees Credit Union, is a financial institution qualified to conduct business in the Commonwealth of Pennsylvania with offices and/or a place of business situate at 1 Credit Union Place, Harrisburg, Dauphin County, Pennsylvania. 2. Defendant, Michael B. Hanle, is an adult individual with a last known address of 11 Clemson Drive, Camp Hill, PA 17070. 3. Defendant is, and at all relevant time material hereto has been, the primary loan applicant. COUNT I - BREACH OF CONTRACT (VISA LOAN) 4. Paragraphs 1 through 3 are hereby incorporated as if more fully set forth. 5. Defendant applied to Plaintiff for a 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 was on September 15, 2004. 12. Defendant is required under the contract to make regular and timely payments. 13. Plaintiff has maintained a statement of account keeping an accurate and running amount of debits and credits made on Defendant's account. 14. Plaintiff has submitted to Defendant a copy of the statement of account accurately showing all debits and credits for transactions with Defendant. 15. Defendant has not objected to any of the monthly statements of account submitted by Plaintiff to Defendant. 16. Despite Plaintiff's reasonable and repeated demands for payment, Defendant has failed, refused and continues 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 May 6, 2009, the balance due, owing and unpaid on Defendant's loan account with Plaintiff is the sum of One Thousand Seven Hundred Thirteen Dollars and 29/100 ($1,713.29). 18. Pursuant to the terms and conditions of the extension of credit contained in the Contract, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest charge on the principal loan balance. 19. Due to the default of the Defendant and pursuant to the terms and conditions of the Contract attached as Exhibit "B", Plaintiff is entitled to be reimbursed for all costs and expenses, including reasonable attorney's fees incurred in bringing any action. 20. For purposes of this action, Plaintiff believes, and therefore avers, that One Thousand Four Hundred Twenty-five Dollars and 00/100 ($1,425.00) constitutes reasonable attorney's fees. However, Plaintiff recognizes that it is restricted by law to those attorneys' fee that are actually incurred. If those fees are less than the aforegoing amount, Plaintiff agrees to adjust its demand for attorneys' fees, if applicable, at the time of payment on any judgment is made. 21. Any and all conditions precedent to the bringing of this action has been performed by Plaintiff. 22. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. Document #: 180057.1 WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, respectfully requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant, Michael B. Hanle, in the amount of Three Thousand One Hundred Thirty-eight Dollars and 29/100 ($3,138.29), 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. Document #: 180057.1 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. 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 May 6, 2009, the balance due, owing and unpaid on Defendant's loan account with Plaintiff is the sum of Four Thousand Five Hundred Fifty-three Dollars and 23/100 ($4,553.23). 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. Document #: 180057.1 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 Nine Hundred Ten Dollars and 64/100 ($910.64) have been added to the account. 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, Michael B. Hanle, in the amount of Five Thousand Four Hundred Sixty-three Dollars and 87/100 ($5,463.87), plus interest, the costs of this action, and such other relief as the Court deems just and proper. Respectfully submitted, VAN ECK & VAN ECK, P.C. By: Melissa L. Van Eck, Esquire Attorney I.D. No. 85869 P.O. Box 6662 Harrisburg, PA 17112 717.540.5406 Document #: 180057.1 VERIFICATION I, Gregory R. Diffenderfer, Manager of the Pennsylvania State Employees Credit Union verify that the statements made in the aforegoing document are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. §4904, relating to unworn falsification to authorities. Pennsylvania State Employees Credit Union By: n Title: ? Date: - 6 - 09 B I` (c ss i PSEW800) Pennsylvania State Employees Cried-t Union P.O. Box 6701 67013, Harrisburg, PA 17106-7013 237.7328 Nationwide - (717) 234.8484 in Harrisburg A Special Offer For. A "Win-Win" OfFert a >>Ei#RU70f(N(Ei(f(lEkki4!!(EfEkiEi!lElfttt!$lfkfl3-D!G!T iTi KICHREL 8 HRNLE 1344 N 8TH 5T HARRISBURG PA 171o2-1108 IritHlIIIIiftl1111111111f1tliiitifMItIfit111111111111111111!111 y?t. O (OFFER GOOD ONLY TO tNOIVIDUAL NAMED RSOYEI MK74024627198 oiess18271 Great News! You're Pre-Approved for up to $10,000 on our 9.9% APR* Capitol Card® ViSA& How do YOU win? • 9.9% APR* for purchases, 12.9% APR* for checks or cash advances. • VISA Checks - to pay off higher interest credit cards elsewhere. • No annual fee. • No cash advance fee. • Up to 25 days of grace on purchases. • Combination VISAiMAC card. How do WE win? • We have your business! There's never been a better time to take advantage of PSECU's Capitol Card VISA! With our 9.9%APR rate for purchases and 12.9% APR for cash advances and VISA checks, there's no better card on the market! And to make it even better, you're pre-approved! Just take a minute to fill out and sign the short application below and we'll send you a Capitol Card VISA. Your good credit history allows us to make this "win-win" offer -- you'll receive our 9.9% VISA with no annual fee. Arrual Pereantaga Rats Please Do Not Remove -- - Rates in $raa as of offer date. i VISA/MAC Pre-Approval Acceptance Certificate Please print all requested information. Incomplete forms may cause delays in processing your application or a denial. ' Name: }-,rn%e Home Phone: ( Business Phone 4 r , Birth Data: I Social Sect:rity Number/Account Numb( Employer: S=-r)a+C cr t?crtntit??ritZ j I ! 7 Please Check Your Gross Annual Income Range: ! i Up to 5115,000' $30.001 to S36.0-00 S60.601 to S72.000 Hurryl f $15,001 to $22.500 $36,001 to 548.000 572.001 to 584.004 t?I%r Explres: 316/98 I $22.501 tc 530.040 $48,001 to 560.000 Over S8».000 ' Minimum annual income requ!red. I ;you'd Ifke to transfer my credit card balances from other financial institutions at the currant Purchase Annual Percantage Ra;e Please send an additional card at no ext-b cost for rplease print clearly) -7,1 It 1, VAra r1% le j First Name f - Middle Init.ai Last Name I have read this form and everything I have stated in it is true. You are authorized to obtair, my employment history or any other information and to report to others such irformation and credit experience with me. I agree that this acceptance shall be governed by all the terms and condit;ons of the LOANLiNER Credit Agreement Mth the Credit Union, all addendums, charges in terms hereto and all the terms and conditions as set forth on the attached disc!Qsure"nrall these docurrents shalt be incorporated hprein by this reference. Member Signature Dare Member %mber Pre•aoprrsa' nte2ns that a F•elirninarj review of your crecit h;stor; yias mane. I.nfornat, r. co n:a,^ec in your consumer cree t rez-Ort ,•,,,, usec in;,ornec:;cn this offer You re•cei e•: the otfsr of cre : t because you saiis6cd.:he -terra for credd'tonh:ness.urtler;,; l,.h ,n&;•itya'r5 were selected f.;r the Xor Afier ycu ;esoord• an amour.( of credit ;0; be se'ected based apor your consumer repnrt;rd other info, rrat,ori bean,ig ern your cred.t turGh 17159 ?tlr rC?UC:I T3Y b5 ?E:i ne.^ if you . co rot continue to moat he cnlor is or collateral used to select you for this offer or if curtain other app+icaole criteria Gearing on yaur ore^..t .eoni:r:es ere not m?: You have the right to prohibit info.-nation contained in your file wvith any consumer reporting agencyrram be:ag used in -or-nect on l„th pny ?red•t !'andac::ria you did no:,n tiate. You map exercise th:s ryht by notifying Experian Information Selutiov, P.O. Sox 9.9 A.Ilrn. TX 75013 • f3G0t 353-3809 After y C-u eferCisetthis •iyt;t. you x^It not receive any additional pre-approved offers of credit until you provide notice that your elt:chon is no longer uffeClve. Record MAC Personal Identification Number (PIN) - Do Not Detach ?¦ Your PIN must be either four digits or letters. Please do riot use the letters"Q" or 7" as part of your PIN. Please record your PIN number in a safe place, SCANNED Exhibit `T" Pennsylvania State Employees Credit Union PSE(# PO Box 67013 • Harrisburg. PA 17106-7013 • (800) 237-7328 Nationwide Loan Disclosures This LOANLINER Credit Agreement and Truth in Lending Disclosure will be referred to as -tnis Plan.' "You" and "your' mean each person who signs this Plan. The 'credit union" means PSECU or anyone to whom the credit union transfers its rights under this Plan. HOW THIS PLAN WORKS - The credit union anticipates that you will borrow money (called advances) under this Plan from time to time. The credit union, however, is not required to make advances for you under this Plan and can refuse a request for an advance at any time. The Addendum describes the different types of credit (called subaccounts) available under this Plan. If you have been approved for credit under a subaccount marked with a star ("), you will be given a specific credit limit for that subaccount. For other subaccounts you may not be given a specific dollar limit. conforming to policy, the credit union reserves the right to charge the highest signature subaccouni interest rate currently in effect at PSECU or may require payment in full. When you are in default the credit union can demand immediate payment of the entire unpaid balance under this Plan without giving you advance notice. If immediate payment is demanded, you will continue to pay interest, at the applicable interest rates in effect under this Plan, until what you owe has been repaid. If a demand for immediate payment has been made, the shares and deposits given as security for this Plan can be applied towards what you owe. It the case of Certificate Secured loans, you agree to pay any penalties in connection with redemption of the certificate. The credit union can also exercise any other rights given by law when you are in default. PROMISE TO PAY - You promise to repay to the credit union all advances made to you under this Plan and any applicable charges described in the Addendum together with interest on what you owe until the total amount has been repaid The interest rate depends on the subaccount under which the advance is made. The Addendum shows the current interest rates as daily periodic rates and their corresponding a5nnu' af-pe?EFnTi e'ralei. Irtfie tntiresl rate for any or all advances is a variable interest rate, the Addendum explains how the variable interest rate works. PAYMENTS - The amount of payments for an advance Is determined according to the payment schedule in the Addendum. If the Addendum ties no payment schedule for a subaccounC the amount and due date of payments will be determined at the time of each advance. You may pay any or all of the principal balance on any business day. PSECU will provide you a periodic statement showing the status of your account. You promise to make payments in the amount required under the payment schedule provided on your disclosure statement. Payments are not reduced as the principal balance declines. Payments must include any amount past due and any amount by which you have exceeded any credit Emit you have been given for a subaccount. You may prepay all or part of what you owe at any time without any prepayment penalty LATE CHARGE - if your (minimum) payment is not received by us within 15 days of its due date we may charge and you have to pay a tale charge of 5% of overdwVayment. COST OF CREDIT - The dollar amount you pay for money borrowed is called a finance charge and begins an the date of each advance. To compute the finance charge, the Unpaid balance for each day since your last payment (or since an advance it you have not yet made a payment) is multiplied by the applicable daily periodic rate. The stun of these amounts is the finance charge owed. The balance Used to compute the finance charge is the unpaid balance each day after payments and credits to that balance have been subtracted and any new advances have been added. A finance charge will be computed separately for each separate balance under this Plan. SECURIT -INTERF-ST - You agree that all advances under this Plan except those obtained by using your ATM Card to access your line of credit subaccount will be secured by the shares and deposits in all pint and individual accounts you have with the credit union now and in the future. You will give us a security interest in all individual and joint accounts you have with the credit union now and in the future to secure all advances obtained by use of your ATM card Additional security will be required depending on the subaccount under which an advance is requested. For example, a subaccount called 'New Car Advances" means the security will be a new car. Shares and deposits in an Individual Retirement Account and any other account that would lose special tax treatment under state or federal taw if given as security are not subject to the security interest you have given in your shares and deposits. Property given as security under this Plan or for any other loan may secure as amounts you owe the credit union now and in the future. However, for purposes of loans made under this LOANLINER Agreement, the credit union specifically waives any security interest it may have in your dwellings given through any other mortgages or security agreements. DEFAULT - You will be in default if you do riot make a payment of the amount required when it is due. You will be in default if you break any promise you made under this Plan or if anyone is in eelauh under any security agreement made in connection with an advance under this Plan You will be in default if you die, file for bankruptcy, become insolvent, have your PSECU account garnished. if you make any false or misleading statements in any credit application or update of credit information, or if something happens which the credit union believes may substantially reduce your ability to repay what you owe. In. the case of loans not PROPERTY INSURANCE • You will be required to purchase property insurance on certain types of security that you give for advances You may purchase the property insurance from anyone you choose that is acceptable to the credit union. CANCELLING OR CHANGING THIS PLAN - The credit union has the right to change the terms of this Plan from time to time after giving you any advance notice required by law. Any change will apply to future advances, and at the dtscreWn of the credit union and subject to any requirements of the applicable law, will also apply to unpaid balances. An increase in the daily periodic rate under a variable interest rate is not considered a change in terms tinder this Plan. The credit union can cancel the entire Plan or any part of this Plan at any lime. You can cancel this Plan at any time. Your obligation to pay the unpaid balances under the Penns of this Plan continues whether you or the credit union Cancel this Plan or any part of this Plan. STATEMENTS AND NOTICES - On a regular basis you will receive a statement showing all transactions under this Plan during the period covered by the statement. Statements and notices will be matted to you at the most recent address you have given the credit union in writing. Notice to any one of you will be notice to all. JOINT ACCOUNTS - if this is a joint account, each of you authorizes the other(s) to gel advances individually under this Plan. That means an advance can be made upon the request of only one of you and that the check can be issued to only one of you. If you give inconsistent instructions, the credit union can refuse to follow your instructions. Each of those who sign this Plan will be individually and jointly responsible for paying the entire amount owed under this Plan. That means the credit union can enforce its rights under this Plan against any one of you individually or against all of y* together. UPDATING INFORMATION - You promise that you will promptly give the credit union written notice If you move, change your name or employm9M or if any other information you provided to the credit union changes. You also agree to provide the credit union updated financial information about yourself upon request. The credit union Can delay enforcing any of its rights any number of times without losing its rights. If the law makes any term(s) of this Plan unenforceable, the other terms will remain in effect. SECURITY AGREEMENT - In this agreement all references to 'credit union' mean the credit union whose name appears on this agreement and anyone to whom the credit union assigns the LOANLINER Credit Agreement. All references to 'the advance" mean the amount in the box labeled -New Balance.' All references to 'you' mean each person who signs this agreement. THE SECURITY FOR THE LOAN - By srgr>;ng this security agreement in the signature area or under the statement referring to this agreement which is on the back of the check or draft you receive for the advance. you give the credil union what is known as a security interest in the property described in the 'Security Offered' section of the voucher. The security interest you give includes all accessions. Accessions are things which are attached to or installed in the property now or in the future. The security interest also includes any replacements for the property which you buy within 10 days of the advance or any extensions, renewals 6r refinancing of the advance It also includes any money you receive frorn selling the property or from insurance you have on the property. If the value of the property declines, you promise to give the credit union more property as security if asked to do so. The credit union wili cease to have a security interest in the property descibed in the "Security Offered- section of the voucher when the advance is repaid in full. PSECU FORM rr 3146 (3198) oantiner Credit greemenJ an?Trutth in Lending_Qi-- Q (confined) WHAT THE SECURITY INTEREST COVERS - The security interest secures the advance and any extensions. renewals or refinancings of the advance. it also secures any other advances you have now or receive in the future under the LOANLINER Credit Agreement and any other amounts you owe the credit union for any reason now or in the future. If the property description is marked with two stars (•'), the properly will secure only [tie advance and not other amounts you ave. OWNERSHIP OF THE PROPERTY - You promise that you own the properly, 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 or claim against the property that you have not already told the credit union about. You promise not to sell or lease the property or to use it as security for a loan with another creditor unfit the advancers repaid. You promise you will allow no security interest or lien to attach to the properly either by your actions or by operation of law. PROTECTING THE SECURITY INTEREST - If your state issues a title for the property, you promise to have the credit union's security interest shown on the title. The credit union may have to file what is caged a financing statement to protect its 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 the credit union thinks is necessary to protect its security interest in the property. USE OF THE PROPERTY - Unfit the advance has been paid oft, you promise you will; (1) Use the property carefully and keep it in good repair. (2) Obtain written permission from the credit union before making major changes to the property. (3) Inform the credit union in wrtitrng before changing your address or the address where the property is kept (d) Allow the credit union to inspect the property. (5) Promptly notify the credit union if the property is damaged, stolen or abused. (6) Not use the property for any unlawful purpose. PROPERTY INSURANCE, TAXES AND FEES - You promise to pay all taxes and fees (like registration fees) due on the property and to keep the property insured against loss and damage. The amount and coverage of the property insurance must be acceptable to the credit union. You may provide the property insurance through a policy you already have, or through a policy you get and pay for, You promise to make the insurance policy payable to the credit union and to deliver the policy or proof of coverage to the credit union, if you cancel your insurance and get a refund, the credit union has a right to the refund. If the property is lost or damaged, the credit union can use the insurance settlement to repair the property or apply it towards what you owe. You authorize the credit union to endorse any draft or check which may be payable to you in order for this credit union to collect any refund or benefits due under your insurancs policy. R you do not pay the taxes or tees on the property when due or keep it Insured, the credd. union may pay these obligations, but is not required to do so. Any This notice contains important Information about your rights and our responsibili- ties under the Fair Credit Billing Act. NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT If you think your statement is wrong, or if you need more information about a transaction on your statement, write us on a separate sheet at the address listed on your statement. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information Your name and account number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay a credit card account automatically from your share account or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment is scheduled to occur YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE - We must acknowledge your letter within 30 days, unless we have corrected the error by Bien Within 90 days. we must either correct the error or explain why we believe the statement was correct. After we receive your letter, we cannot try to collect any amount you question. or report you as delinquent. We can continue to send statements to you for the money the credit union spends for taxes, fees or insurance will loo added to the unpaid balance of the advance or a new advance will be made and you will pay the interest on those amounts at the same rate you agreed to pay on the advance. If the credit union adds amounts for taxes, fees or insurance or makes a new advance to include these funds, your payments will be increased by the amount necessary for the total amount due to be paid off in the same number of months originally scheduled. DEFAULT - You will be in default if you break any promise you make under this agreement. You will also be in default under the LOANLINER Credit Agreement. if you are pledging property, but have not signed the LOANLINER Credit Agreement, you will be in default if anyone is in default who has signed the LOANUNER Credit Agreement. WHAT HAPPENS IF YOU ARE IN DEFAULT - When you are in default, the credit union can, without advance notice to you, require immediate payment of what you owe under the LOANLINER Credit Agreement and take possession of the property. You agree the credit union has the right to take possession of the property without going to court and without giving you advance notice. If you are asked to do so by the credit union, you promise to deliver the property at a time and place the credit union chooses. The credit union will not be responsible for any of your other property, not covered by this agreement, that you leave inside the property. The credit union will try to return that property to you or make it available for you to Balm. After the credit union has possession of the property, it can sell it and apply the money received to any amounts you owe the credit union. The credit union wilt give you notice of any public safe or the date after which a private We wig be held. The expenses of the credit union 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 properly, preparing it for sale and attorney's fees to the extant permitted under state taw or awarded tinder subsection 506(b) of the Bankruptcy Code, The rest of Me sale money will fie applied to what you owe under the LOANLINER Credit Agreement. If you have agreed to pay the advance, you wig 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. DELAY IN ENFORCING RIGHTS AND CHANGES IN THE AGREEMENT - The credit union can delay enforcing any of its rights under this agreement any number of fines without losing the ability to exercise its rights later. The credit union can enforce this agreement against your heirs or legal representatives. If the credit union changes the terms of the LOANLINER Credit Agreement, you agree that this agreement will continue to protect the credit union. CONTMUED EFFECTIVENESS - If any part of this agreement is determined by a court to be unenforceable, the rest will remain in effect. amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your statement that are not In question. If we find that we made a mistake on your statement, you will not have to pay any finance charges rotated to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount In either case, we will send you a statement of the amount you owe and the date that it is due. N you fag to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not saUsfy you and you write to us within tan days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your statement. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can'f collect the first $50 of the questioned amount, even if your statement was correct. SPECIAL RULE FOR CREDIT CARD PURCHASES - If you have a problem with the quality of property or services tt'al you purchased with a credit card, and you have tried in good faith to coned the prootem with the merchant, you may have the right not to pay the remaining amount due on the property or services There are two limitations on this right (a) You must have made the purcnase in your home state. within 100 miles of your current mailing address; and (b) The purchase price must have been more than 550. These limitations do not apply if we own or operate the merchant, or if we mailed you the adverlisement for the property or services. in this Agreement, the wads 'you' and "your" means each and at! of those who apply for the card or who signs this Agreement. 'Card' means the VISA Credit Card and any duplicates and renewals we issue 'Account' means your VISA Credit Card Line of Credit account with us "We'. "us'. and "ours' means this credit union. RESPONSIBIUTY - if we issue you a card, you agree to repay all debts and the Finance Charge arising from the use of the card and the card account. For example, you are responsible for charges made by yourself, your spouse and minor children. You are also responsible for charges made by anyone else to whom you give the card, and this responsibility continues until the card is recovered. You cannot disclaim responsibility by notifying us, but we will close the account for new transactions if you so request and return all cards. Your obligation to pay the account balance continues even though an agreement, divorce decree or other court judgment to which wa are not a party may direct you or one of the other persons responsible to pay the account LOST CARD NOTIFICATION - if you believe the card has been lost or stolen, you will immediately cad the credit union at (717) 234-8484 or (800) 237.7328. After hours call (BOO) 558-5878. LIABILITY FOR UNAUTHORIZED USE - You understand that your total liability to the credit union shall not exceed $50 for any card transactions resulting from the loss, theft or unauthorized use of the card that occurs prior to the time you give notice to the credit union. Such liability does not apply when the card Is used to make electronic fund transfers. CREDIT LINE - It we approve your application, we will establish a self-replenishing Line of Credit for you and notify you of its amount when we issue the card. You agree not to let the account balance exceed this approved Credit Line. Each payment you make on the account win restore your Crook Line by the amount of the payment which is applied to the principal. You may request an Increase in your Croon Line only by w tten application to us, which must be approved by our credit committee or loan officer. By giving you written notice we may reduce your Credit Line from time to time, or with good cause, revoke your card and terminate this agreement Good cause includes your failure to comply with this Agreement or any other agreement with us, or our adverse reevaluation of your creditworttd- ness. You may also terminate this Agreement at any fine, but termination by either of us does not affect your obligation to pay the account balance. The cards remain our property and you must recover and surrender to us all cards upon our request and upon termination of this agreement. CREDIT INFORMATION • You authorize us to investigate your credit standing when openingwanewing or reviewing your account, and you authorize us to disclose information regarding your account to credit bureaus and other creditors who inquire of us about your credit standing. MONTHLY PAYMENT " We will mail you a statement every month showing your Previous Balances of purchases and cash advances, the current transactions on your account, the remaining credit available under your Credit Line, the New Balances of purchases and lash advances, the Total Now Balance, the Finance Charge due to date, and any other !tilled fees, and the Minimum Payment required. Every month you must pay at least the Minimum Payment within 25 days of your statement dosing date. By separate agreement you may authorize us to charge the minimum payment automatically to your share or checking account with us. You nirrcihcourm, flay note frequently,-pay more than the Minimum Payment, or pay the Total New Balance in full, and you will reduce the finance charge by doing so. The minfmum payment will be (a) 2% of your Total New Balance, rounded up to the next even dollar. or (b) $20.00. whichever is greater. In addition, at any time your Total Now Balance exceeds your Credit Line, you must immediately pay the excess upon our demand. We will apply payments in the following manner first to the previous late fees, men to previous cash advance finance charges, then to previous purchase finance charges, then to current late fees, then to previous cash advance balances, then to previous purchase balances in the order that they were posted to your account. then to current cash advance balances, and then to current purchase balances. FINANCE CHARGES - You can avoid Finance Charges on purchases by paying the full amount of the New Balance of Purchases each month within 25 days of your statement closing date. Otherwise, the New Balance of Purchases, and the subsequent purchases from the date they are posted to your account, will be subject to Finance Charges. Cash advances are always subject to Fnance Charges from the date they are posted to your account. Purchases: We calculate your finance charge by multiplying the average adjusted daily Wian.0 (Sec explanation below), including new purchases, for the billing cycle by the monthly periodic purchase rate as disclosed on the addendum Cash Advances Wile calculate your finance charge on cash advances by multiplying the average adjusted daily balance (see explanation bcioN) for cash advances during the billing cycle by the monthly periodic advance rate. Balance Computation Method Average Adjusted daily Balance for Purchases - The Average Adjusted Daily Balance for Purchase Transactions is calculated by adding the Adjusted Daily Balances (Purchase Transaction) for each day in the billing cycle, and then dividing by the number of days in the billing cycle. To calculate the Adjusted Daily Balance for purchases each day, we take the following steps: We take the outstanding balance (ail amounts you owe) at the start of the day. Then, in the sequence in which amounts ate posted to your account, we add the amounts of all debits and subtract the amounts of all credits or payments which post to your account that day. After applying payments and credits, we subtract the amount of any unpaid Finance Charges or Late Charges. Then we also subtract the amount of any Cash Advance transactions that posted to your account on that day or in any previous day in the bitting cycle, This gives us the Adjusted Daily Balance for purchases. Average Adjusted Dady Balance for Cash Advances - Cash Advance Transactions which are posted to your account are not included in the Average Adjusted Daily Balance calculation for purchases, and are therefore not suhjed to the monthly periodic rate for purchases. The Average Adjusted Daily Balance is calculated separately for Cash Advances and is_ subject to the Cash Advance Monthly Periodic Rate. The Average Adjusted Daily Balance for Cash Transactions is calculated by adding the Adjusted Daily Balances (Cash Transaction) for each day in the billing cycle, and then dividing by the number of days in the billing cycle. To calculate the Adjusted Daily Balance for cash each day. yve lake the following steps: We take the outstanding balance (au amounts you-owe) at the start of the day. Then, in the sequence in which amounts are posted to your account, we add the amounts of all debits and subtract ft amounts of all credits or payments which post to your account that day. After applying payments and credits, we subtract the amount of any unpaid Finance Charges or Late Charges. Then we also subtract the amount of any Purchase Transactions that posted to your account on that day or in any previous day in the billing cycle. This gives us the Adjusted Daily Balance for Cash Advance Transactions. Note: Cash Advances are always subject to finance charges from the day they are posted to your account. Payments are applied in the following manner. first to the previous late fees, then to previous cash advance finance charges, men to previous purchase finance charges, then to current late fees, then to previous cash advance balances, men to previous purchase balances in the order that they were posted to your account, then to current cash advance balances, and then to current purchase balances. Credits are applied first to the particular type of debt which is being credited, if any, and then to the balance of your account. Note also that if the total of the payments and credits which are posted to your account by the Payment Dud0ate shown on a statement is equal or exceeds the New Balance shown on that statement, we will not apply the Monthly Periodic Rate to your Account on the next statement. DEFAULT - You will be in default if you fail to make any Minimum Payment within 25 days after your monthly statement closing date. You will also be in default if your ability to .repay its is materially reduced by a change in your employment, an increase in your obligations, bankruptcy or insolvency proceedings involving you. your death or your failure to abide by this Agreement, or if the value of our security interest materially declines. We have the right to demand immediate payment of your fun account balance if you default, subject to our giving you any notice required by law. To the extent permitted by law, you will also be required to pay our collection expenses, including court costs and reasonable attorney fees. USING THE CARD - To make a purchase or cash advance, there are two alternative procedures to be followed. One is for you to present the card to a participating VISA plan merchant, to us or another financial institution, and sign the safes or cash advance draft which will be Imprinted with your card. The other is to complete the transaction by using your Personal Identification Number (PIN) in conjunction with the card in an Automated Teller Machine or other type of electronic terminal that provides access to the VISA system. The monthly statement win identify the merchant, electronic terminal or financial institution at which transac- tions were made, but sale, cash advance, credit or other slips cannot be returned with the statement. You will retain a copy of such slips furnished at the time of the transaction in order to verify the monthly statement. The credit union may make a reasonable charge for photocopies of slips you may request. RETURNS AND ADJUSTMENTS - Merchants and others who honor the card may give credit for returns and adjustments, and they will do so by sending us a credit slip which we will post to your account If your credit and payments exceed what you owe us, we will hold and apply this credit balance against future purchases and cash advances. or it it is one dollar or more, refund it on your written request or automatically after six months VISA Credit Card Truth in Landing-Disclosure (continued) FOREIGN TRANSACTIONS - Purchases and cash advances made in foreign countries and foreign currencies will be billed to you in U.S dollars. The conversion rate to dollars will be (i) the wholesale market rate or la) the government- mandated rate, whichever is applicable. in effect one day prior to the processing date, increased by one percent PLAN MERCHANT DISPUTES - iNe are not responsible for the refusal of any plan merchant or financial institution to honor your card. We are subject to claims and defenses (other than tort claims) arising out of goods and services you purchase with the card only if you have made a good faith attempt, but have been unable to obtain satisfaction from the plan merchant, and (a) your purchase was made in response to an advertisement we sent or participated in sending you. or (b) your purchase cost more than $50 and was made from a plan merchant in your stale or within 100 miles of your tome Any other disputes you must tesolve directly with the plan merchant SECURITY INTEREST- To secure your account. you grant us a purchase money security interest under the Uniform Commercial Code in any goods you purchase through the account- If you defauft, we will have the right to recover any of these goods which we have not been paid for through our application of your payments in the manna described in the Monthly Payment section. With respect to this -MQNEY`ACCESS CARD CARDHOLDER AGREEMENT. The Undersigned ("I' or "we'), in consideration of THE PENNSYLVANIA STATE EMPLOYEES CREDIT UNION ('you" or "your') issuing to me a MONEY ACCESS CARD, hereby agree to be legally bound by the following terms and conditions. I agree that the use of my MAC card(s) constitutes acceptance of the terms and conditions of this agreement. I understand that MACS b a credit•ralated service and 1 authorize PSECU to obtain a credit repot on any users of this account. 1. Accounts and Uses of MONEY ACCESS CARD I have the account(s) (inektdtng Checking aria Regular Shares). which you set forth on my application form with this Agreement. I hereby request that you issue to me one or more MONEY ACCESS CARO(s) to be used in connection with such accounts as described in this Agreement. I understand I may use the MONEY ACCESS CARD at a MONEY ACCESS CENTERS to (1) withdraw cash from, (2) make or arrange for deposits in, (3) effect transfers to or from my account, (4) receive information regarding the balance in my account(s) or (5) make cash advances from my credit account(s) In the amounts I request. I may also use automated letter machines throughout the United States and in certain foreign countries which bear the PLUS SYSTEM name and fogo (1) to make withdrawals from, (2) effect transfers to or from, (3) receive information regarding the balances in my Checking or Regular shares. If i have a Personal Service Loan approved and in place, 1 may also make a cash advance from my PSL. I further understand I may use the MONEY ACCESS CARD to purchase goods and services ("Purchase') at any retail establishment ("Merchant) where MONEY ACCESS CARDS are accepted by such Merchant. if I use the MONEY ACCESS CARD to make a Purchase to obtain cash, if permitted by the Merchant. I shall be requesting you to withdraw funds in the amount of such Purchase (Including any cash received from the Merchant) from my Checking Shares and directing or ordering you to pay such funds to the Merchant I request that you provide to me such other servic as or access to otter ATM systems or networks using the MONEY ACCESS CARD which you may later make available and which you advise me are offered in connection with my account(s) sat forth on my application form. I also understand that from time to time I may request in writing that you provide access to additional accounts of mine through the MONEY ACCESS CARD you have issued to mm I agree that the uses of the MONEY ACCESS CARD described in this Agreement shall be subject to the rules and regulations of each account which is accessed by such Card. Use of Personal Identification Number ("PIN") with MONEY ACCESS CARD 1 understand that a MONEY ACCESS CENTER or a PLUS SYSTEM ATM is an automated letter, It can and will perform many of the same tasks as a human teller. I acknowledge that the Personal Identification Number or PIN which.I use with the MONEY ACCESS CARD is my signature, identifies the bearer of the Card to the MONEY ACCESS CENTER, PLUS SYSTEM ATM, or other network ATM and authenticates and validates the directions given just as my actual signature and other proof identify me and authenticate and validate my directions to a human teller. I also understand that a Merchant which accepts the MONEY ACCESS CARD for a Purchase transaction may have an electronic terminal (Merchant operated or Se:f-Service) which requires the use of my PIN and when my PIN is used at a Merchant's terminal, it will authenticate and validate the directions given ;ust as my actual signature will authenticate and validate my directions given to you. I acknowledge that my PIN is an identification code that is personal and confidential and that the use account only, we will not assert any statutory right we may have if you are in default to prevent withdrawal of your unpledged credit union shares (Deposits) below the unpaid balance of your acmunt- However, if you give or have given us a specific pledge of your credit union shares (Deposits) by signing the Pledge of Shares or otherwise, or any other security interests for all your debts, your account will be secured by your pledged shares (Deposits) and by the property described in those other security agreements, except for your home. EFFECT OF AGREEMENT - This agreement is the contract which applies to all transactions on your account even though the sales, cash advance, credit or other slips you sign or receive may contain different terms We may amend the Agreement from time to time by sending you the advance written notice required by law. Your use of the card thereafter will indicate your agreement to the amendments. To the extent the law permits, and we indicate in our notice, amendments will apply to your existing account balance as well as to future transactions. LATE PAYMENT CHARGE - If your Minimum Payment is not paid within 15 days after the Payment Due Date, you will be subject to a single charge of 5% of the minimum scheduled payment. COPY RECEIVED - You acknowledge receipt of a copy of this Agreement. of the PIN with the MONEY ACCESS CARD is a security devise for my account(s). Therefore, I AGREE TO TAKE ALL REASONABLE PRECAUTIONS THAT NO ONE ELSE LEARNS MY PIN. Liability for Unauthorised Transactions I agree to contact you at once if I believe the MONEY ACCESS CARO(s) issued to me or PIN has been lost or stolen or money is missing from my account(s). I also agree that if my monthly statement shows transactions which I did not make, and I do not contact you within 60 days after the statement was mailed to me. I may not get any money lost after that time. I AGREE THAT IF I GIVE MY MONEY ACCESS CARD(s) and PfN TO SOMEONE ELSE TO USE i AM AUTHORIZING THEM TO ACT ON MY BEHALF AND I WILL BE RESPONSIBLE FOR ANY USE OF THE CARD(s) BY THEM. You could lose all your money in the account(s) if you take no action to notify PSECU of the loss of your MONEY ACCESS CARD or PIN. Safeguard your Personal Identification Number (PIN). Do not tell or disclose your PIN to any other person. Do not write your PIN on your MONEY ACCESS CARD. Do not keep a written record of your PIN near your MONEY ACCESS CARD. Do not choose a PIN that is easily identifiable. 4. Charges I agree to pay a 50 cent charge for each deposit or withdrawal exceeding 15 a month. I agree to pay the 50 cent penalty charge on any cash disbursement transaction (loan advance or share withdrawal) that is less then $20. 1 agree to pay a 25 cent charge one4gh balance inquiry. 1 agree to pay the charges or transaction fees which are Charged by you for these services or for services which may later be offered as such fees or charges may be imposed or changed from time to time. Deposits 1 agree that when i make a deposit at a MONEY ACCESS CENTER that you have the right to verify the deposit before you make the money available to me. If I deliver cash, checks or other items to a MONEY ACCESS CENTER, I understand and acknowledge that the funds from my deposit may not be available for immediate withdrawal and that the availability of my deposit shall depend on your rules and regulations regarding the particular account in which i am making a deposit, the items that I am depositing and whether the deposit is made at a MONEY ACCESS CENTER that is owned by you or another financial institution. I also understand and acknowledge that not all MONEY ACCESS CENTERs may accept deposits and some MONEY ACCESS CENTERS may limit the amount of funds which may be deposited and you may not control these limits. Liability If the MONEY ACCESS CARD is issued for a joint account, we agree to be jointly and severally liable under the terms of this Agreement and the agreement for such account. I agree that if 1 make deposits or payments to my account(s) with items other than cash (checks. Crafts or other items) and you make funds available to me from such deposits prior to their collection. I agree that you may deduct the amounts of such funds from my account(s) which are not collected or, if the funds in my account(s) are insufficient at such time. I will promptly pay to you any amount of such funds which are not corrected. Amendment of this Agreement I agree that from time to time you may amend or change the terms of this agreement including amendments or changes to add further MONEY ACCESS CARD services or to amend or change the charges for these services. You L__. Electronic Fitnds TrTransfer, MAC AgrQgmeri(__and_Rggull(ign "E"_.Di5Glo5kfe (continued) may do so by notifying me in .mtirg of sucn amendments or changes and my use of the MONEY ACCESS CARD after ;ne effective ;late of any such amendment or change snail consvtute my acceptance of and agreerent to such amendment or change. 8. Ownership I agree that the MONEY ACCESS CARD is your property and I will surrender it to you upon your request. I agree that the MONEY ACCESS CARD is non- transferrable. 9. Disclosures I hereby acknowledge receipt of the disclosure statement informing me of my rights under the Electronic Funds Transfer Act and a copy of this agreement. REGULATION "E" DISCLOSURE 1. Summary of Consumer Liability MAC, ACH and SST - Tell us at once 4 you believe your card has been lost or stolen. Telephoning is the best way to keep your possible losses down. You could We all the money in your account plus your maximum overdraft tine of credit. if you bariieve your card has been lost or stolen, and you tell us within two business nays after you team of the Ion or theft, you can lose no more than $50 if someone used your card without your permission. If you do not tail us within two business days alter you team of the loss or theft of your card, and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as SSW. Also, if your statement shows transfers that you did not make, tell us at once. It you do not tell us within 6D days after the statement was mailed to you, you may not get bath any money you lost alter the 60 days it we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason such as a long trip or a hospital stay kept you from failing us. we will extend the time periods. 2. Telephone Number and Address to Notify of Unauthorized Transfers. If you believe your card has boon lost, stolen, or that someone has transferred at may transfer money from your account without your penr4asion, contact the following: MAC - Contact PSECU at (800) 237-7328 or Money Access Service (MAC) at (NO) 523-4175 during PSECU non-business tours, then follow up by contacting PSECU at (800) 237-7328 the next business day. ACH and SST- Contact PSECU at (800) 237-7328 (nationwide) or (717) 234.8484 (in Harrisburg). Or write to us at: Pennsylvania State Employees Credit Union PS1.90A.67013. ..._....., - ... Harrisburg, PA 17106-7013 PSECU Business Hours 7700 a.m. - 5 00 p.m. M - F 8:00 a.m. - Noon Saturday TDD (800) 472.1967 Nationwide (717) 777-2100 in Harrisburg 3. Financial Institution's Business Days. MAC, ACH and SST - PSECU's Business Days are Monday through Friday, Holidays not included. 4. Types of Electronic Transfers a Consumer May Make. MAC • Balance wines on cheering, savings and PSL, withdrawals from checkinglsavings; cash advance from PSL; deposits to checking/savings, purchase goods and services at any accepting retail establishment. ACH - Preauthorized debits acrd credits to checking and savings SST - Balance inquiries and transaction histories on all share, certificate and loan accounts; transfers from any share to another share or loan account from your PSL to any share or ban account: withdrawals from any share except tRA shares or certificates. 5, Any Charges for Electronic Funds Transfers or for the Right to Make Transfers. MAC - Fifty cents for each disburserrent (cash advance or withdrawal) less than $20, fifty cents for each iransanion over 15 per month ACH - $20 service charge for insufhaent hinds for each electronic transfer. • SST -none 6. Summary of Consumer's Right to Receive Documentation of EFT's. MAC - You are entitled to receive a printed receipt at the time of each transaction. You will receive a monthly statement showing the status of your account, any transactions made during the month, and any penalties or charges PSECU may impose during the month, • ACH and SST - You will receive a monthly statement showing the status of your account, any transactions made during the month, and any penalties or charges PSECU may impose during the month. If you have arranged to have a direct deposit made to your account at least once every 60 days from the same person or company, you can Cali us at (800) 237-7328 to find out whether or not the deposit has been made. 7. Right to Stop Payment Procedures. MAC and SST- Not applicable. ACH - Right to Stop Payment and Procedures for doing so. If you have toll us in advance to make regular payments out of your account, you can stop-any of those paymerits tiere'a howr ('eN vs nY(980)•437w732@ (Nationwide) or (717) 777.2100 (Harrisburg) or write us at: Pennsylvania State Employee Credit Union, P.O. Box 67013, Harrisburg, PA 17106-7013, in time for us to receive your request three business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. Notice of Varying Amounts. If these regular payments may vary in amount, the person you are going to pay will tell you. 10 days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set ' Liability for Failure to Stop Payment of Presufhoriaed Transfers. If you order us to stop one of these payments three business days or more before the transfer is scheduled, and we do not do so, we wig be liable for your losses or damages. unless we request and do not receive written confirmation of an oral stop payment within 14 days and the transfer takes place after 14 days. or you fad to give us proper instructions that would enable us to place the stop on the transfer. 8. Summary of the Financial Institution's Failure to Make or Slop Certain Transfers. MAC - If PSECU fails 40crmplete a transaction on time or in the correct amounL when properly instructed by you, PSECU will be liable for damages caused by our failure unless: (1) theta are insufficient funds in your account to complete the transfer, (2) the funds in your account are uncollected; (3) the funds are subject to legal process: (4) the transaction you request would exceed the funds in your account plus any available overdraft protection; (51-the Money Access Center. PLUS system or HONOR ATM has insufficient- cash to complete the transaction; (6) your card has been reported lost or stolen and you are usfttg the reported cared; (7) PSECU has reason to believe that the transaction requested is unauthorized; (8) the failure is due to an equipment breakdown that you know about when you started the transaction at the Money Access Center, PLUS System or HONOR ATM; (9) the fadure was caused by an act of God, fire, or other catastrophe, or by any other cause beyond control; (10) if you attempt to complete a transaction that, at a Money Access Center, PLUS System or HONOR ATM, or merchant terminal that is not a permissible transaction listed above; or, (11) the transaction would exceed the security limitations on the use of your Money Access Card. ACH and SST - If PSECU faits to complete a transaction on time or in the correct amount. when property instructed by you. PSECU will be liable for damages caused by our failure unless: (1) there are insufficient funds in your account to complete the transfer: (2) the funds in your account are uncollected, (3) the funds are sub)ect to legal process, (4) the transaction you request would exceed the funds in your account plus any available overdraft credit, (5) PSECU has reason to believe that the transaction requested is unauthorized: (6) the failure was caused by an act of God. Fire. or other catastrophe, or by another cause beyond control. In any case, PSECU shall be liable for actual proven damages if the failure to make the transaction resulted from a bona free error despite PSECU's procedures to avoid such errors Qef(ronic Funds Transf rr , MAC Agreement and Regulation "E' Disclosure (continued) 9. Disclosure to Third Parties. MAC, ACH and SST . PSECU will disclose information about your account ti: third parties (t) when it is necessary to complete transactions; (2) to verify the existence and standing of your account with PSECU upon request of third party, such as a credit bureau: (3) to comply with government agency or court orders: (4) in accordance with your written permission: (5) to comply with government or administrative agency summonses, subpoenas. or court orders: (6) on receipt of certification from a Fedoral Agency or department that a request for information is to compliance with the Right to Financial Privacy Act of t978: and (7) when it is necessary to take legal action to recover shares 10. MONEY ACCESS CENTER Services ' MAC Only - You may use your MONEY ACCESS CARD with your Personal Identification Number (PIN) at MONEY ACCESS CENTERS located in Delaware, Maryland. New Jersey and Pennsylvania to conduct any of the following transactions for the accounts accessed by your MONEY ACCESS CARD. a) Determine the account balance(s) of your Checking, Regular Shares, and Personal Service Loan (PSL). b) Withdraw cash from your Checking and Regular Shares. c) Make a cash advance from Your Personal Service Loan (PSL). d). __.DapostLicurency, checks, or drafts (coins are not acceptable) for transmission to PSECU for deposit in your Checking and Regular Shares. NOTE: There are "led locations in Maryland where deposits may be made. We wish to inform you that some MONEY ACCESS CENTERs located in these areas may only provide access to your Checking, Regular Shares, and Personal Service Loan. Not as MONEY ACCESS CENTERs may accept deposits. There may also be Omits on the amount of funds which you may deposit in certain MONEY ACCESS CENTERS. 11. PLUS SYSTEM Services " MAC Only - You may use your MONEY ACCESS CARD with your Personal Iden tice0on Number, (PIN) at any PLUS SYSTEM automated taller machine (PLUS SYSTEM ATM) located throughout the United States. Puerto Rico. Canada, !Great 1kitafn and Japan to conduct any of the following transactions on the accounts accessed by your MONEY ACCESS CARD. a) Determine the account balance(s) of your Checking, Regular Shares, '*d Personal Service Loan (PSL). b) Withdraw cash from your Checking and Regular Shares. c) Make a cash advance from your Personal Service Loan (PSL) NOTE: Deposits are not available through PLUS SYSTEM ATMs These are the MONEY ACCESS CENTER services currently available through the PLUS SYSTEM network. Other services may be offered in the future 12. HONORV System Services MAC Only - You may use your MONEY ACCESS CARD with your Personal Idandhcalion Number (PIN) at any HONOR automated teller machine (HONOR ATM) located throughout Florida and other areas where there are HONOR ATMs. The following transactions may be done on the accounts accessed by your MONEY ACCESS CARD. a) Determine the account balance(s) of your Checking, Regular Shares, and Personal Service Loan (PSL). b) Withdraw cash from your Checking and Regular Shares. c) Make a cash advance from your Personal Service Loan (PSL). NOTE: Deposits are not available through HONOR SYSTEM ATMs. These are the MONEY ACCESS CENTER services currently available through the HONOR SYSTEM network. Other services may be offered in the future. 13. Other ATM Network Access MAC Only - From time to time, PSECU may make arrangements with other ATM networks to grant access to MONEY ACCESS CARDS. PSECU shall inform you when such arrangements are made and describe the services that are available to you. Any charges will also be described. 14. Purchase Transactions MAC Only - You may use the MONEY ACCESS CARD to purchase goods and services ('Purchase') at any retail establishment i"Merchant") where MONEY ACCESS CARDS are accepted by such Merchant. The amount of at! such Purchases will be deducted from your Checking. When you make a Purchase using the MONEY ACCESS CARD, you will be requesting PSECU to withdraw funds from your Checking in the amount of the Purchase and directing PSECU to pay these funds to such Merchant. 15. Limitations on the Use of your MONEY ACCESS CARD MAC Only - You may withdraw up to $500 per day from one or a combination of your accounts by using a MONEY ACCESS CARD provided the funds are available at a MONEY ACCESS CENTER, PLUS SYSTEM or HONOR System ATM. In addition, you may withdraw up to 5500 at point of sale locations. The day for wilhdrawat limits starts at 12 midnight each cay and ends at 12 midnight the next day. For security purposes, there are also certain daily limitations on the frequency of use of the MONEY ACCESS CARD. However, these limitations are not revealed for security reasons The Pennsylvania Stale Employees Credit Union is not obliged to maintain such limitations You will be denied use of your MONEY ACCESS CARD if you exceed the daily withdrawal/purchase limit if you do not have adequate funds available in your account, do not enter the correct Personal Identification Number (PIN), or exceed the frequency of usage limitation. The receipt provided by the MONEY ACCESS CENTER. PLUS SYSTEM, or HONOR System ATM, or Merchant terminal will notify you of the denial. There is a limit on the number of such denials permitted. Attempts to exceed the limit will result in machine retention of out MONEY ACCESS CARD. The number of attempts that result in machine retention is not revealed for security purposes. 16. Error Resolution Procedures MAC, ACH and SST - In case of errors or questions about your transactions: Direct inquiries to PSECU at (800) 237-7328 Nationwide, TOO (800) 472.1981 Nationwide, (71 T) 777.2100 in Harrisburg, or write PSECU at: Pennsylvania State Employees Credit Union, P.O. Box 67013, Harrisburg, PA 171064013, as soon as you can if you think your statement or receipt is wrong, or if you need more information aboui a transaction listed on the statement or receipt. PSECU must hear from you no later than 60 days after it sent you the first statement on which the problem or error appeared. You must provide the following information: (a) Your name, account number, and MONEY ACCESS CARD number (if a MAC transacton), or reference number (d Self-Service Telephone Transaction); (b) Describe the error or the transaction you are unsure about, and explain as dearly as you can why you believe it is an error or why you need the information, and; (e) The dollar amount of the suspected error, If you tag PSECU orally, you must send your complaint or question in writing within 10 business days. PSECU will tell you the results of the investigation within 10 business days for MONEY ACCESS CENTER, PLUS SYSTEM, HONOR SYSTEM, SELF-SERVICE TELEPHONE, or DIRECT DEBITICREDIT TRANSACTIONS, or 20 days for MONEY ACCESS CENTER purchase transactions. If we need more time, however, we may take up to 45 days for MONEY ACCESS CENTER, PLUS SYSTEM HONOR SYSTEM, SELF. SERVICE TELEPHONE, q(.,DIRECT DEBITICREDIT TRANSACTIONS or 90 days for MONEY ACCESTCENTER purchase transactions if PSECU decides to do this, it will recredit your account within 10 business days for the amount you think is in error if it is a MONEY ACCESS CENTER, PLUS SYSTEM. HONOR SYSTEM, SELF-SERVICE TELEPHONE, or DIRECT DEBIT/ CREDIT transaction, or 20 business days if it is a MONEY ACCESS CENTER purchase transaction. You will have the use of the honey during the Time it takes to complete the investigation, if PSECU does not receive your complaint or question in writing within 10 business days, PSECU may not recredit your account. if PSECU decides there is no error, you wig be advised within three business days after the investigation is completed. You may ask for copies of the documents PSECU used in the investigation. If PSECU credits your account while investigating, you must repay those funds if PSECU concludes no error has occurred. 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NOTE NUMBER MICHAEL B HANLE 439 MARKET ST NEW CUMBERLAND PA 17070-1941 11/21/2003 0003551290 PURPOSE: PRIVATE PARTY TRANSACTION TYPE 1. ? NEW LOAN 2: ? LOOPEN END AN ADVANCE 3. ? OTHER ) DESCRIBE 4 ? HOME EQUITY ADVANCE YOU HAVE PREVIOUSLY ELECTED TO HAVE THIS ADVANCE CREDIT DISABILITY SINGLE CREDIT LIFE JOINT CREDIT LIFE INSURED WITH THE FOLLOWING COVERAGE YES ? No KI YES ? NO&] YES ? NO 91 DAILY PERIODIC RATE (CHANGE IN TERMS ONLY) ANNUAL PER-. CENTAGE RATE INTEREST RATE IS AMOUNT REQUESTED + OTHER CHARGES ` AMOUNT ADVANCED PREVIOUS BALANCE NEW BALANCE .000000 00.000 % FIXED ® VARIABLE ? 4,260.00 4 260 00 $0.00 _ 4,260.00 PAYMENT DUE DATE PAYMENT FREQUENCY PROJECTED LOAN TERM 127.67 09/21/04 MONTHLY IF THIS IS A HOME EQUITY ADVANCE, THE ONLYSECURITY FOR THIS ADVANCE IS THE REAL PROPERTY (IN MOST CASES YOUR HOME) WHICH YOU GAVE AS SECURITY WHEN YOUR ACCOUNT WAS ESTABLISHED. IF THIS IS NOTA HOME EQUITY ADVANCE, IN ADDITION TO THE PLEDGE OF SHARFR IN MI IR I nANI OdFOC rocnm er_occ- r n? .._ . _.....__ . ;=)TEM' - PROPERTY MODEL YEAR 4 I'Df:NUMBER `,' - - -- TYPE ; :VALUE 1. 2. CHEVROLET 3. BARETTA 1995 1G1LW15MISY295104 CPE 4,260.00 4.OTHER REVISED DISCLOSURE- Correct VIN# YOU PLEDGE SHARES AND/OR DEPOSITS OF $ IN ACCOUNT NUMBER OLD ACCOUNT/LOAN NUMBER (A) PAYOFF (PRINC. + INT.) OLD ACCOUNTA_OAN NUMBER (B) PAYOFF (PRINC. + INT.) OLD ACCOUNT/LOAN NUMBER (C) PAYOFF (PRINC. + INT.) OLD ACCOUNT/LOAN NUMBER (D) PAYOFF (PRINC. + INT.) OLD ACCOUNT/LOAN NUMBER (E) PAYOFF (PRINC. + INT.) OLD ACCOUNT/L GAN NUMBER (F) 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 owe us for any reason now or in the future in accordance with the terms of the Plan and (2) to make payments as disclosed above in accordance with the terms of the Plan. UUNA MUTUAL GROUP, 19M. 82, 84, 86, 89, 98, 99, 2000, 01, D4, ALL RIGHTS RESERVED PENNSYLVANIA STATE EMPLOYEES CREDIT UNION FORM #3175 JVXX0100-1 037-2092-1 (4/04) SECURITY AGREEMENT In this agreement all references to Credit Union, we, our, or us means Pennsylvania registration fees) due on the property. State Employees Credit Union and anyone to whom the Credit U i i n on ass gns the Credit If you do not pay the taxes or fees on the property when due or keep it insured, we may Agreement which will be referred to as the Plan. All references to you your and , , pay these obligations, but we are not required to do so. Any money we spend for taxes, borrower mean each person who signs this agreement. All references to the advance fees or insurance will be added to the unpaid balance of the advance and mean the amount in the box labeled Amount Adv d Thi ill ance . s is a multi-state docume which may be used to lend to borrowers in all states except Louisiana and Wisconsi you w pay nt interest on those amounts at.the same rate you agreed to pay on the advance. We may n . receive payments in connection with the insurance from a company which provides the 1. THE SECURITY FOR THE LOAN - By signing this security agreement in the insurance. We may monitor our loans for th e purpose of determining whether you and signature area or under the statement referring to this agreement which is on the back other borrowers have complied with the insurance requirements of our loan agreements of the check you receive for the advance . you give us what is kn n , ow as a security or may engage others to do so. The insurance charge added to the advance may include interest in the property described in the Security Offered section on the reverse side. (1) the insurance company's payments to us and (2) the cost f d t Th i i i o e erm e secur n ng compliance ty interest you give includes all accessions. Accessions are things which are with the insurance requirements. If we add amounts for taxes, fees or insurance to the attached to or installed in the property now or in the future Th it i . e secur y nterest als includes any replacements for the property which you buy within 10 days of th d o unpaid balance of the advance, we may increase your payments to pay the amount e added within the term of the insurance or ap roximate te f th a vance or any extensions, renewals or refinancings of the advance It also include p rm o e advance. s . 8. NOTICE - If you do not purchase the required property insurance, the insurance any money you receive from selling the property or from insurance you have on the we may purchase and charge you for will cover only our interest in the property. The property. If the value of the property declines, you promise to give us more property I as security if asked to do so. nsurance will not be liability insurance and will not satisfy any state financial responsibility or no fault laws. 2. WHAT THE SECURITY INTEREST COVERS - The security interest secures the g. DEFAULT - You will be in default if you break any promise you make under this advance and any extensions renewals or refinancin s of the d I , g a vance. t also secures agreement. You will also be in default if you are in default under the Plan. If you are any other advances you have now or receive in the future underthe Plan and any other pledging property, but have not signed the Plan amounts or loans you will be in def includin an cr lt if dit d l . , , g y au e car anyone is in oan., you owe us for any reason now or default who has signed the Plari. 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 'Q WHAT HAPPENS IF YOU ARE IN DEFAULT - The following paragraph applies , the property will secure only the advance and not other amounts you owe. to borrowers in Colorado, District of Columbia, Iowa, Kansas, Maine 3. OWNERSHIP OF THE PROPERTY - You promise that you own the property or if this advance is to buy the property you promise ou will us th d , Massachusetts, Missouri, fifebrasks, South Carolina and West Virginia. When you are in default and after expiration of any right you have under applicable state law to , y e e a vance for that purpose. You promise that no one else has any interest in or claim against the ro t th cure your default, we can require immediate payment of your outstanding balance under the Plan without giving you advanc ti p per y at you have not already told us about. You promise not to sell or lease the xoperty or to use it as security for a loan with another creditor until the advance is e no ce. The following paragraph applies to borrowers in all other states. When you are in -epaid. You promise you will allow no other security interest or lien to attach to the to default, we can require immediate payment (acceleration) of what you owe under the -roperty either by your actions by operation of law. Plan and take possession of the property. You waive any right you have to demand for t. PROTECTING THE SECURITY INTEREST - If your state issues a title for the payment, notice of intent to accelerate and notice of acceleration. property, you promise to have our security interest shown on the title. We may have The following paragraphs apply to all borrowers: o file what is called a financing statement to protect our security interest from the You agree the Credit Union has the right to take possession of the property without ;laims of others: If asked to do so, you promise to sign a financing statement You Iso promise to do whatever else we think is necessary to protect our securit intere t judicial process if this can be done without breach of the peace. If we ask, you promise to deliver the properly at a time and place we choose We will not b y s i the property. You promise to pay all costs, including but not limited to any attorney . e responsible for any other property not covered by this agreement that you leave inside the property :es, we incur in protecting our security interest and rights in the property, to the xtent permitted by applicable law. or that is attached to the property. We will try to return that property to you or make •• it available to you to claim. . USE OFPROPERTY- Until the advance has been paid off, you promise you will: After we have possession of the property, we can sell it and apply the money to any 1) Use the property carefully and keep it in good repair. (2) Obtain our written amounts you owe us. We will give you notice of any public sale or the date after which ermission before making major changes to the property or changing the address a private sale will be held. Our expenses for taking possession of and selling the here the property is kept. (3) Inform us in writing before changing your address. (4) flow us to inspect the property. (5) Promptly notify us if the property is damaged 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 , tolen or abused. (6) Not use the property for any unlawful purpose. extent permitted under state law or awarded under the Bankruptcy Code. The rest of CO SUMERS' CLAIMS AND DEFENSES NOTICE -The following g paragra h . CO the sale money will be applied to what you owe under the Plan. f p oplies only when the box on reverse side is checked, i you have agreed to pay the advance, you will also have to pay any amount that OTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS remains unpaid after the sale money has been applied to the unpaid balance of the advance and to what you owe under this agreement Y UBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD . ou agree to pay interest on that amount at the same rate as the advance until that amount has been paid. SSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED 11. DELAY IN ENFORCING RIGHTS AND CHANGES IN THE AGREEMENT - We can (iTH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE delay enforcing any of our rights under this agreement any number of times without EBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR EREUNDE losing the ability to exercise our rights later. We can enforce this agreement against your heirs or legal representatives. If we change the term f th Pl s o e an, you agree that this agreement will continue to protect us. PROPERTY INSURANCE, TAXES AND FEES - You must maintain property 3urance on all property that you give as security under the Plan. You may purchase 12. CONTINUED EFFECTIVENESS - If any part of this agreement is determined by a court to be unenforceable, the rest will remain in effect e property insurance from anyone you choose who is acceptable to the Credit Union. e amount and coverage of the property insurance must be acceptable to us Y . 13. NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE - . ou iy provide the property insurance through a policy you already have, or through a ,icy you get and pay for You romi t k THE MOTOR VEHICLE IN THIS TRANSACTION MAY BE SUBJECT TO REPOSSESSION. IF IT IS REPOSSESSED AND SOLD TO SOMEONE ELSE AND ALL . p se o ma e the insurance policy payable to us J to deliver the policy or proof of coverage to us if asked to do so , AMOUNTS DUE TO THE SECURED PARTY ARE NOT RECEIVED IN THAT SALE, YOU . rou cancel your insurance and get a refund, we have a right to the refund. If the )perty is lost or damaged, we can use the insurance settlement to re ai th MAY HAVE TO PAY THE DIFFERENCE. 14. NOTICE FOR ARIZONA OWNERS OF PROPERTY- It is unlawful for you to fail to p r e )perty or apply it towards what you owe. You authorize us to endorse any draft or Eck which may be payable to you in order for us to collect any refund or benefits i return a motor vehicle that is subject to a security interest, within thirty days after you have received notice of default. The notice will be mailed to the address you gave us. It under your insurance policy. You also promise to pay all taxes and fees (like s your responsibility to notify us if your address changes. The maximum penalty for unlawful failure to return a motor vehicle is i one year n prison and/or a fine of $150,000: THE PROPERTY DESCRIPTION 11IN TVF PRIPP"'Zinp rc QFDr no P r`l??teY c=o ; r? w ' ` C i r ic CASHIE R S CHE K: R \ `= No 1946924 e! OAT ~ ti4 _ 11?211 2003, PAY 2 003 00 S .' t ?` .TWO THOUSAND DOLL AM AND 00 CENTS \ s ` w ' v .•t , TO THE \ .. \ .CBp`8. ? MICHAEL B HANLE -?? t S w1 4 4 - . Y U r ?'- ? '. sCaOF ot, .. -.NA PENNY L FVOLFE? 1P LO YE CAEPIT UNION Ei S ' ? ;- v01d AFTEReO DAYS I / AUTNOA L _C SIGN AjUAE - -u'1446424tt' t ?_3i38t1161 ?12 5i?5124? ::44 00002_00000.x'_ r _ ., _ 4 _ PEN.hSYLVAIIA STATE EMPLOYEES CREDIT UNION Main Address: 1 Credit Union Place, Harrisburg, PA 17110-2990 • (717) 234-8484 • (800) 237-7328 Mailing Address: P.O. Sox 67013, Harrisburg, PA 17106-7013 • (717) 777-2100 (i DD) • (800) 472-1957 (TDD) Web Address: w. ^n•.gsecu.corn Savings federaNy'nsu.ed up to S 100,000 by the National Credit Union Administration. ? , cbeTNmp L ` ' n I PA STATE MPLOYE..S WD IT UNION y Z 5? 'I Cq CIT UN01I MACE q . • : • ..?.4 Z - HARRISBURG P4 j711D 1 :..REDIT UNIDNiPtACE HARRISBURG PA.r1711D ` DATE IiOi)f 237 7J2S NATIONWIDE. +.?? \ -.? \ -t •-- _ -, 00._19465'2 N.\ CASHIER'S CHECK lz' $2 260.D0 t \??* «`TkO THOUSI.ND?TrlO FfUHDPJD SIYTis,DOLUl.R.S MD.4p CE2iTS`: *+L • ` t I . HICiAEL B FiANLE FA SLATE FIdPLOYc25 CREDIT UNION PAY - TO THE ... OxDER '- OF - 6 7 2511 12? 1381:>< 161 6`i 26 1 26 1 a>,iI' 44,I'OODa 2- 2 6000 L PENNSYLVANIA STATE EMPLOYEES C.--EDIT UNION' Main Address: 1 Credit Union Place, Harrisburg, PA 17110-2990 • (717) 234-8484 • (800) 237-7328 Aiailing Address: P.O. Box 87013, Harrisburg, PA 17108-7013 • (717) 777-2100 (TDD) • (800) 472-10.7 (TDD) Web Address: wv,,v.psec co^1 :.. -- _ . _ _r.. .. .._ _ 5-M Savings iede.ally insured up to 5100.000 by the National Credit Union Admmistation. EXHIBIT "D" PSECO Pennsylvania State Employees Credit Union F.O. Box 67013 a Harrisburg, FA 17106-7013 e (717) 234-8454 Harrrsbtxg, (80J) 237-7328 Nahonw;de the Financial link-u Loan Disclosures This LOANLINER' Credit and Security Agreement, which includes the Truth in Lending Disclosures, will be referred to as the Plan. The Plan documents include this Agreement and an Addendum. You, your and borrower mean any person who signs the Plan. Credit Union, we, our and us mean PSECU or anyone to whom the Credit Union transfers its rights under the Plan. 1. HOW THIS PLAN WORKS -This is an open-end, multi-featured credit plan. We anticipate that, from time to time, you will borrow money (called'advancesl under the Plan. We are not required to make advances to you under the Plan and can refuse a request for an advance at any time. The Addendum describes the different types of credit (called "subaccounts") available under the Plan, the current Interest rate for each subaccount expressed as a daily periodic rate and corresponding annual percentage rate and other charges. It may also have other terms and a schedule for determining the payment amounts. 2. CREDIT LIMIT - We may, but do not have to, establish a credit limit on certain subacoounts. If a credit limit is set for a subaceount, you promise not to exceed the established credit limit. If you exceed the credit limit, you promise to repay immediately the amount which exceeds the credit limit. 3. REPAYMENT - You promise to repay all amounts you owe under the Plan plus interest. Payments are due on the last day of the month unless we set a different date at the time of an advance. If the Addendum has no payment schedule for a subaccourit, your payment will be determined at the time of each advance. Payments must include any amount past due and any amount by which you have exceeded any credit limit you have been given for a subaccount. You may repay all or part of what you owe at any time without any prepayment penalty. Even it you prepay, you will still be required to make the regularly scheduled payments unless we agree in writing to a change in the payment schedule. If you have a joint share draft account, you will be responsible for paying all overdraft advances obtained by a joint holder of the share draft account. Payments will be applied in the order the Credit Union chooses. 4. PLAN ACCESS -You can obtain credit advances in any manner authorized by us. If we allow you to use your ATM/Deblt card to access the Plan, you may be liable for the unauthorized use of your Ai M/Debft card. You will not be liable for unauthorftod use that occurs after you notify us, orally or in writing, of the loss, theft, or posslble unauthorized use. If you believe your ATM/Debit card has been lost or stolen, immediately inform the Credit Union by calling or writing us at the telephone number or address that appears elsewhere In the Plan. If the card is used to obtain advances directly from the Plan, your liability will not exceed $50. If the unauthorized withdrawal is from a share draft account, your liability is governed by the Regulation E disclosures you received at the time you received your ATiv fDebft card, even if the withdrawal results in an advance being made from your overdraft subaccount. 5. FINANCE CHARGE - The dollar amount you pay for money borrowed is called a'finance charge' and begins on the date of each advance. A finance charge will be computed separately for each separate balance under the Plan. To compute the finance charge, the unpaid balance for each day since your last payment (or sinus an advance if you have rot yet made a payment) is multiplied by the applicable daily periodic rate. The stare of these amounts Is the finance charge owed. The balance used to compute the finance charge Is the unpaid balance each day after payments and credits to that balance have been subtracted and any additions to the balance have bean made. In addition to interest, we may charge oilier finance charges which are disclosed on ft Addendum. If the interest rate is a variable Interest rate, the Addendum explains stow the variable interest rate works. 6. SECURITY -You pledge as security for the Plan all shares and dividends and, it any, all deposits and interest in all joint and individual accounts you have with us now and in the future. If a specific dollar amount is pledged for an advance, we will freeze shares in that account to the extent of the outstanding balance for the advance. Otherwise, your pledged shares may be withdrawn unless you are in default. The following paragraph applies in all states except In Ohio, Rhode Island and Massachusetts: We have a statutory lien on the shares and dividends and, R any, the deposits and interest In all individual and joint accounts you have with us and may exercise our rights under the lien to the extent permitted by state law. (We are state chartered if our name does not include the term 'Federal Credit Union.1 For all borrowers: The statutory lien and/or your pledge will allow us to apply the funds in your account(s) to what you owe when you are in default. The statutory lien and your pledge do not apply to any Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given as security. Additional security for the Plan may be required at the time of an advance. If a subaccount identifies a type of property (such as "New Cars") you must give that type of property as security when you get an advance under that subaccount. A subaccount name such as "Other Secured means you must provide security acceptable to us when you obtain an advance under that subaccount. Property you give as security will secure all amounts owed under the Plan and all other loans you have with us now or in the future, except any loan secured by your principal dwelling. Property securing other loans you have with us may also secure the Plan. 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 C CUKA MUTUAL GROUP, 1989. 82, N. 88 89.98. 99. 2000, 01, D2. 08. ALL RIGHTS P.-HAVED 110111" the property insurance from anyone you choose who is acceptable to the Credit Union. The amount and coverage of the property insurance must be acceptable to us. You may provide the property insurance through a policy you already have, or through a policy you get and pay for. You promise to make the insurance policy payable to us and to deliver the policy or proof of coverage to us if asked to do so. If you cancel your insurance and get a refund, we have a right to the refund. if the property is lost or damaged, we can use the insurance settlement to repair the property or apply it towards what you owe. You authorize us to endorse any draft or check which may be payabfs to you in order for us to collect any refund or benefits due under your insurance policy. You also promise to pay all taxes and fees (like registration fees) due on the property. If you do not pay the taxes or fees on the property when due or keep It insured, we may pay these obligations, but we are not required to do so. Any money we spend for taxes, fees or insurance will be added to the unpaid balance of the advance and you will pay interest on those amounts at the same rate you agreed to pay on the advance. We may receive payments in connection with the insurance from a company which provides the insurance. We may monitor our loans for the purpose of determining whether you and other borrowers have complied with the insurance requirements of its loan agreements or may engage others to do so. The Insurance charged added to your advance may include (1) the insurance company's payments to us and (2) the cost of determining compliance with the insurance requirements. If we add amounts for taxes, fees or insurance to the unpaid balance of your advance, we may increase your payments to pay the amount added within the term of the insurance or approximate term of the advance. 8. NOTICE - If you do not purchase the required property insurance, the insurance we may purchase and charge you for will cover only our interest in the property. The insurance will not be liability Insurtmce and will not satisfy any state financial responsibility or no fault laws. 9. CREDIT INSURANCE - Credit life and/or credit disability insurance is optional under the Plan. If you quality for and purchase the insurance from us, you authorize us to add the insurance premiums monthly to your loan balance and charge you Interest on the entire balance. if you elect credit Insurance, your payments may increase for the period of time necessary to repay your advance may be extended beyond the approximate term stated on the Addendum. The credit insurance rates may change during the Plan. If the rates change, we will provide any notices required by applicable law. 10. PERIODIC STATEMENT - On a regular basis you will receive a statement showing all transactions under the Plan during the period covered by the statement. Statements and notices will be sent to you at the most recent address you have given us In writing. Unless applicable law requires notice to each joint borrower, notice to any one of you will be notice to all. 11. JOINT ACCOUNTS - If this is a joint account, each of you is individually, and jointly responsible for paying all amounts owed. That means we can enforce our rights under the Plan against any one of you individually or against all of you together. 0 you give us Inconsistent Instructions, we can refuse to k* w your instructions. Unless our written policy requires all of you to sign for an advance, each of you auttnorizea the other(s) to obtain advances Individually and agrees to repay advances made to the other(s). Any joint accountholder may terminate the Plan by giving ue prior written notice. If any of you terminate the Plan, the Man is terminated for aff of you.You remain liable individually and jointly for all advances incurred before termination. 12. FEES AND CHARGES - ff you give us a security interest in certain types of property, we may charge you a filing fee to perfect our Interest in the property. If so, the amount of the fee will be disclosed ?o you at the time you obtain an advance. We may also charge you other fees In connection with the Plan. Those leers are disclosed on the Addendum and will be added to your ban balance unless you pay them in cash. 13. UPDATING CREDIT INFORMATION - You promise that you will promptly give us written notice if you move, change your name or employment, or if any other information you provided to us changes. Upon Dur request you also agree to provide us updated financial information. 14. DEFAULT - The following paragraph applies to borrowers In Idaho, Kansas, Maine and South Carolina: You will be in default if you do not make a payment of the amount required when it is due. You will also be in default if we believe the prospect of payment, performance, or realization on any property given as security is significantly impaired. The following paragraph applies only to borrowers In Wisconsin: You will be in default if you fail to make a payment when due two times during any 12-month period. You will be in default if breaking any promise made under the Plan materially impairs your ability to repay what you owe or materially impairs the condition, value, or protection of or our right in any property you gave as security. The following paragraph applies only to borrowers In Iowa: You will be in default if you are more than 10 days late in making a payment. You will also be in default if you do not comply with the terms of the Plan and your failure to comply materially impairs any property you gave as security of your ability to repay what you owe under the Plan. FSECU FORM #31A6 J3Y.x0601.1 OV -2C92.1 (1'03) LOANLINER' Credit and Security Credit Agreement (continued) The following paragraph applies to borrowers in all other states: You will be in default if you do not make a payment of the amount required when it is due. You will be in default if you break any promise you made under the Plan or if anyone is in default under any security agreement made in connection with an advance under the Plan. You will be in default if you die, file for bankruptcy, become insolvent, if you make any false or misleading statements in any credit application or update of credit information, or it something happens we believe may substantially reduce your ability to repay what you owe. You will also be in default under the Plan if you are in default under any other loan agreement with us. 15. A&IONS AFTER DEFAULT - The following paragraph applies to borrowers In Colorado, District of Columbia, Iowa, Kansas, Maine, Massachusetts, Missouri, Nebraska, West Virginia and South Carolina: When you are in default and after expiration of any right you have under applicable state law to cure your default, we can demand immediate payment of the entire unpaid balance under the Plan without giving you advance notice. The following paragraph applies to borrowers In all other states except, Wisconsin and Louisiana: When you are in default, we can require immediate payment (acceleration) of the entire unpaid balance under the Plan. You waive any right you have to demand for payment. notice of intent to accelerate and notice of acceleration. The following paragraphs apply to borrowers In all states except, Wisconsin and Louisiana: If immediate payment is demanded, you will continue to pay interest until what you sae has been repaid, at the applicable interest rates in effect unless a default rate is disclosed on the Addendum. It a demand for immediate payment has been made, the shares and deposits given as security for the Plan can be applied forward what you owe. We can also exercise any other rights given by law when you are in default. You agree the Credit Union has the right to take possession of any property given as security for an advance under the Plan without judicial process if this can be done without breach of the peace. 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 appty the money to any amounts you owe us. We will give you notice of any public sale or the date after which a private sate 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 tinder state law or awarded under the Bankruptcy Code. The rest of the safe money will be applied to what you owe under the Plan. You will also have to pay any amount that remains unpaid after the safe money has been applied to any unpaid balance under the Plan. You agree to pay interest on that amount at the same rate as the advance, or, if applicable, at the default rate disclosed on the Addendum, until that amount has been paid. The following paragraph apppes only to Wisconsin borrowers: When you are in default and after expiration of any right you have under applicable state law to cure your default; we may require Immediate payment of your outstanding loan balance under the Plan and seek possession of the property given as security. You may voluntarily give the property to us if you choose, or we may seek to take possession of the property by judicial process. If we repossess the property, you agree to pay reasonable expenses incurred in disposing of the property. It Me property is a motor vehicle, mobile horse, trailer, snowmobile, boat or aircraft, you will also be required to pay any costs permitted by Section 422.413 of the Wisconsin Statutes. The following paragraph applies only to Louisiana borrowers: When you are in default, we can require immediate payment (acceleration) of the entire unpaid balance under the Plan..You waive any right you have to demand for payment, notice of intent to accelerate and notice of acceleration. If immediate payment is demanded, you wig continue to pay interest until what you owe has been repaid at the applicable interest rates in effect unless a default rate is disclosed on the Addendum. If a demand for immediate payment has been made, the shares and deposits given as security for the Plan can be applied toward what you owe. We can also exercise any other rights given by law when you are in default and our rights under any security agreements you have with us. 16. CANCELLING OR CHANGING THE PLAN - The following paragraph applies only to borrowers in Illinois: We have the right to change the terms of the Plan from time to time after giving you any advance notice required by law. Any change to the interest rate or other charges will apply to future advances. The following paragraphs apply only to borrowers In Wisconsin: We can change the terms of the Plan from time to time in accordance with Section 422.415 of the Wisconsin Statutes. You wig be notified of any change in terms. An increase in the daily periodic rate under a variable rate interest rate is not considered a change in terms under the Plan. We can cancel the entire Plan or any part of the Plan at any time. You may cancel the Plan at any time by giving us prior written notice. Your obligation to pay the unpaid balances under the terms of the Plan continues whether you or the credit union cancel the Plan, except to the extent that your liability is limited by Section 322.4155 of the Wisconsin Statutes. The following paragraph applies only to borrowers in Iowa: We can change the terms of the Plan from time to time after giving you any advance notice required by law. A change that increases the rate of finance charge or other charge. that increases the amount of your payments, or that otherwise adversely affects existing balances will apply to existing balances only it you agree to the change or you use the Plan after receiving notice that your use of the Pan means you agree the j change applies to existing balances. The following paragraph applies to borrowers in all other stales: We have the right to change the terms of the Plae from time to time after giving you any advance notice required by law. Any change in the interest rata will apply to future advances, and at our discretion, and subject to any requirements of applicable law, will also apply to unpaid balances. The following paragraph applies to all borrowers other than Wisconsin borrowers: An increase in the daily periodic rate under a variable interest rate is not considered a change in terms under the Plan. We can cancel the entire Plan or any part of the Plan at any time. You can cancel the Plan at any time. Your obligation to pay the unpaid balances under the terms of the Plan continues whether you or the Credit Union cancel the Plan, 17. DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN - We can delay enforcing any of our rights under this Plan any number of times without losing the ability to exercise our rights later. We can enforce this Plan against your heirs or legal representatives. If we change the terms of the Plan, you agree that this Plan will continue to protect us. 16. CONTINUED EFFECTIVENESS - if any part of this Plan is determined by a court to be unenforceable, the rest will remain in effect. 19. NOTICE TO UTAH BORROWERS - This written agreement is a final expression of the agreement between you and the Credit Union. This written agreement may not be contradicted by evidence of any oral agreement. . 20. THE SECURITY FOR THE LOAN -You give us what is known as a security interest in all property described in any receipt, voucher or other document you receive for an Advance ('the Advance"). The security interest you gore includes all accessions. Accessions are things which are attached to or installed in the property now or in the future. The security interest also includes any replacements for the property which you buy within 10 days of the Advance or any extensions, renewals or refinancing of the Advance. It also includes any money you receive from selling the property or from insurance you have on the property. If the value of the property declines, you promise to give us more property as security if asked to do so. 21. WHAT THE SECURITY INTEREST COVERS - The security interest secures the Advance described in the receipt, voucher or any other document you receive at the time of the Advance and any extensions, renewals or refinancings of the Advance. It also secures any other advances you have now or receive in the future under the Plan and any other amounts or loans, including any credit card loan, you owe us for any reason now or in the future, except any ban 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. 22. OWNERSHIP OFTHE PROPERTY -Ycu promise that you own the property or it the Advance is to buy the property, you promise you will use the Advance for that purpose. You promise that no one else has any interest In or claim against the property that you have not already told us about. You promise not to sell or tease the property or to use it as security for a loan with another creditor unfit the Advance is repaid. You promise you will allow no other security interest or lien to attach to the property either by your actions or by operation of law. 23. PROTECTING THE SECURITY INTEREST - if your state issues a free 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 also 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 interests and rights in the property, to the extent permitted by applicable law. 24. USE OF PROPERTY - Until the Advance has been paid off, you promise you will: (1) Use the property cars" 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 darnaged, stolen or abused. (6) Not use the property for any unlawful purpose. 25. NORTH DAKOTA NOTICE TO BORROWERS PURCHASING A MOTOR VEHICLE - THE MOTOR VEHICLE IN THIS TRANSACTION MAY BE SUBJECT TO REPOSSESSION. IF IT IS REPOSSESSED AND SOLD TO SOMEONE ELSE, AND ALL AMOUNTS DUE TO THE SECURED PARTY ARE NOT RECEIVED IN THAT SALE, YOU MAY HAVE TO PAY THE DIFFERENCE. 26. VERMONT NOTICE TO CO-SIGNER - YOUR SIGNATURE ON THIS NOTE MEANSTHATYOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY,THE LENDER HAS A LEGAL RIGHTTO COLLECT FROM YOU. 27. NOTICE FOR ARIZONA OWNERS OF PROPERTY - It is unlawful for you to fail to return a motor vehicle that is subject to a security interest, within thirty days after you have received notice of default. The notice will be mailed to the address you gave us. It is your responsibility to notify us if your address changes. The ! maximum penalty for unlawful failure to return a mamr vehicle is one year in prison and'or a fine of $150,000. This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. You are advised to read your monthly statement and review it for any error discrepancies or unauthorized transactions. NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT. If you think your statement is wrong, or if you need more information about a transaction on your statement, write us on a separate sheet at the address listed on your statement. You are required to notify us in writing within 60 days following the date on which we sent your statement wherein the error or problem first appeared regarding any discrepancy or unauthorized transactions on your account. Failure to notify us may result in your acceptance of any responsibility for payment or reimbursement to us for any such error or discrepancy on your account. Write to us as soon as possible. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: Your name and account number. The dollar amount of the suspected error. Describe the error and explain, ff you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay a credit card account automatically from your share account or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur. YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE • We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we befieve the statement was correct. In this Agreement, the wards you and your means each and all of those who apply for the card or who signs this Agreement. Card mans the VISA Credit Card and any duplicates and renewals we Issue. Account means your VISA Credit Card Line of Credit account with us. We, us, and ours means this Credit Union. 1. RESPONSIBILITY-- If we issue your a card, you agree to repay all debts and the Finance Charge arhft from the use of the card and this card account. For example, your are responsible for charges made by yoursellf, your spouse and honor children. You ate also responeble for charges made by anyone Was to whom you give the card, and this responsibility continues urdl the card is recovered. You cannot disclaim responsibility by notifying us, but we will dose the account for new transactions g you so request and return an cards. You obligation to pay the account balance continues even through an agreement, divorce decree or other court Judgment to which we are not a party may cored you or one of the other persons responsible to pay the account 2. LOST CARE) NOTIFICATION - If you believe the card has been lost or stolen, you will immediately call the Credit Union at (717) 234-8484 or (800) 237-7328. After hours cal (800) 55&5678. 3. LIABILITY FOR UNAUTHORIZED USE -You agree to notify us immediately, orally or In writing of the loss, theft or unauthorized use of your Credit Card. You may be liable for the unauthorized use of your Credit Card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use. You will have no liability for unauthorized purchases made with your Croft Card, unless you are grossly negligent in the handling of your Card. In any case, your fiabigty wig not exceed $50. 4. CREDIT LINE - If we approve your application, we will establish a sel- repierdshiing Line of Credit for you and notify you of its amount when we Issue the card. You agree not to let the account balance exceed this approved Credit Una. Each payment you make on the account will restore your Credit Line by the amount of the payment which is applied to the principal. You may request an increase in your Credit Una only by wrfttan application to us, which must be approved by our credit committee. or loan officer. By giving you written notice we may reduce your Credit Una from time to time, or with good cause, revoke your card and terminate this Agreement. Good cause includes your failure to comply with this Agreement or any other agreement with us, or our adverse reevaluation of your,creditworthlness. You may also terminate this Agreement at any, ttime, but termination by either of us does not affect your obligation to pay the account balance. The cards remain our property and you must recover and surrender to us all cards upon our request and upon termination of this Agreement. 5. CREDIT INFORMATION -You authorize us to investigate your credit standing when opening, renewing or reviewing your account, and you authorize us to disclose information regarding your account to credit bureaus and other creditors who inquire of us about your credit standing. 6. MONTHLY PAYMENT - We will mail you a statement every month showing your Previous Balances of purchases and cash advances, the current transactions on your account, the remaautting credit available under your Credit Line, the New Balances of purchases and cash advances, the Total New Balance, the Finance Charge due to date, and any other billed fees, and the Minimum Payment required. Every month you must pay at least the Mom Payment within 25 days of your statement closing date. By separate agreement you may authorize us to charge the minimum payment automatically to your share or checking account with us. You may, of course, pay more frequently, pay more than the Minimum Payment, or pay the Total New Balance in full, and you will reduce the finance charge by doing so. N your monody payment exceeds the total credit fine balance awed, we will automatcally post the credit to your St shares. The minimum payment will be (a) 21% of your Total New Balance, rounded up to the next even dollar, or (b) $20.00, whichever is greater. In addition, at any time your Total New Balance exceeds your Credit Line, you must immediately pay the excess upon our demand. We will apply payments in the following manner: first to previous late fees, c-_ After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to send statements to you for the amount you question, including finance charges, and we can apply ary unpaid amount against your credit limit. You do not have to pay any questioned amount white we are investoatng, but you are still obligated to pay the parts of your statement that are not in question. If we find that we made a mistake on your statement, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, it our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your statement. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your statement was correct. SPECIAL RULE FOR CREDIT CARD PURCHASES - If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations on this right. (a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. theft to preiylous cash advances finance charges, than to previous purchase finance charges, than to current late fees, ttett to previous cash advance balances, then to Wefts purchase balances in the order that they were posted to your account, then to currant cash advance balances, and then to current purchase balances. 7. FINANCE CHARGES - You can avoid the Finance Charge on purchases by paying the tug amount of the New Balance of Purchases each month within 25 days of your statement closing date. Otherwise, the New Balance of Purchases, and the subsequent purchases from the data they are posted to your account, will be subject to Finance Charge. Cash advances are always subject to Finance Charge from the date they are posted to your account. Purchases: We calculate your finance charge by multiplying the average adjusted dally balance (see explanation below), including new purchases, for the billing cycle by the monthly periodic purchase rate and corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum. Cash Advances: We calculate your finance charge on cash advances by multiplying the average adjusted daily balance (see explanation below) for cash advances during the billing cycle by the monthly periodic advance rate and corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum. Balance Computation Method AvwWe Daffy Balance for Purchases - The Average Daily Balance for Purchase Transactions is calculated by adding the Daily Balances (Purchase Transaction) for each day in the billing cycle, and then dividing by the number of days in the billing cycle. To calculate the Daly Balance for purchases each day, we take tha following steps: We take the outstanding balance (al amounts you owe) at the start of the day. Then, in the sequence In which amounts are posted to your account, we add the amounts of all debits and subtract the amounts of all credits or payments which post to your account that day. After applying payments and credits, we subtract the amount of any unpaid Finance Charges or Late Charges. Then we also subtract the amount of any Cash Advance transactions that posted to your account on that day or in any previous day in the billing cycle. This gives us the Daily Balance for purchases. Average Daffy Balance for Cash Advances - Cash Advance Transactions which are posted to yea account are not included in the Average Daily Balance cakxdation for The verase pa>;y 8alattce calauiatedseparatelyr forCash Adva and subject to the Cash Advance fvWnthy Periodic Rata.Tfhe Average Daily Balance lot Cash Transactions is calculated by adding the Daily eafanc?es (Cash Transaction) for each day in the bUgng cycle, and titer dividing by the number of days in the bluing cycle To calculate the Daily Balanc?e for rash each day, we take the following steps: We take the outstarndng balance (al amounts you owe} at the start of the day. Then, in the suetµuance in which amounts are posted to your account, we add the amounts of all debits and subtract tfte amounts of all credits or payments which post to your account that day. After applying payments and credits, we subtract the amount of any unpaid Finance Charges or Late Charges. Then we also subtract the amount of any Purchase Transactions that posted to your account on that day or in any previous day in the tiling cycle. This gives us the Daily Balance for Cash Advance Transactions. Note: Cash Advances are always subject to finance charges and from the day they are posted to your account. Payments are applied in the following manner: first to previous late fees, then to previous cash advances finance charges, then to previous purchase finance charges, then to current late fees, then to previous cash advance balances, then to previous purchase balances in the order that they were posted to your account, then to current cash advance balances, and then to current purchase balances. Credits are applied first to the particular type of debt which is being credited, if any, and then to the balance of your account. Note also that if the total of the payments and credits wnich are posted to your account by the Payment Due Date shown on a statement is equal to or exceeds the VISA' Credit Card Agreement and Truth In Lendfnq__Qrscfosure (continued) New Balance shown on that statement, we will not apply the Monthly Periodic Rate to your Account on your next statement. 8. DEFAULT - You will be in default if you fail to make any Minimum Payment within 25 days after your monthly statement closing date. You authorize u5 to transfer funds sufficient to make the minimum payment due if your VISA loan is in default. You agree that we may temporarily suspend your ATM card access if your VISA payment is due for a period exceeding 30 days. You will also be in default if your ability to repay us is materially reduced by a change in your employment, an increase in your obligations, bankruptcy or insolvency proceedings involving you, your dedth or your failure to abide by this Agreement, or if the value of our security interest materially declines. We have the right to demand immediate payment of your full account balance if you default, subject to our gluing you any notice required by law. To the extent permitted by law, you will also be required to pay our collection expenses, including court costs and reasonable attorney fees. 9. USING THE CARD - To make a purchase or cash advance, there are two attemaWe procedures to be followed. One is for you to present the card to a participating VISA plan merchant, or another financial institution, and sign the sales or cash advance draft which will be imprinted with your card. The other is to complete the transaction by using your Personal Identification Number (PIN) in conjunction with the card In an Automated Teller Machine or other type of electronic terminal that provides access to the VISA system. You agree that you will not use your card for any transaction that is illegal. tinder applicable federal, state, or loom law. The monthly statement wifi Identify, the merchant, electronic terminal or financial Institution at which transactions were made, but sate, gash advance, credit or other slips cannot be returned with the statement You will retain a copy of such slips furnished at the time of the transaction In order to verify the monthly statement The Credit Union may make a reasonable charge for photocopies of slips you may request. 10. RETURNS AND ADJUSTMENTS - Merchants and others who honor the card may gore credit for rattans and adjustments, and they will do so by sending us a credit slip which we will post to your VISA line of credit. If your credit and payments exceed what you a7+e us, we will automatically post the excess credit balance to your S1 Shares within 75 days. 11 the balance is one dollar or more, upon your written request, we will refund the credit balance to you. 11. FOREIGN TRANSACTIONS - Purchases and cash advances made in foreign currencies will be billed to you in U.S, dollars, The conversion rate to dollars will be made In accordance with the operating regulations for international transactions established by VISA U.S.A., Inc. 12. PLAN MERCHANT DISPUTES - We are not responsible for the refusal of any plan morchant or finandal institution to horror your card. We are subject to claims and ATM CARD CARDHOLDER AGREEMENT - The Undersigned (you or your), in consideration of THE PENNSYLVANIA STATE EMPLOYEES CREDIT UNION (we, our and us) issuing to you an ATM CARD, hereby agree to be legally bound by the followltg terms and conditions. You agree that the Lisa of your ATM card(';) constihrtes aooeptence of the terms and conditions of this Agreement You understand that ATM is a credit-related service and you authorize PSECU to obtain a credit report on any users of this account. 1, ACCOUNTS AND USES OF ATM CARD -You have the account(s) (including Checking and Regular Shares), which we set forth on your application form with this Agreement. You hereby request that we issue to you one or more ATM CARD(s) to be used In connection with such accounts as described in this Agreement. You understand you may use the ATM CARD at a STAR SYSTEMS* ATM to (1) withdraw cash from, (2) make or arrange for deposits in, (3) effect transfers to or from your account, (4) reoeitrs Information regarding the balance in your account(s) or (5) make cash advances from your credit account(s) in the amounts you request You may also use automated teller mac hirm throughout the United States and in certain foreign counules which bear the PLUS SYSTEM name and logo (1) to make withdrawals from, (2) e8sot transfers to or from, (3) receive Information regarding the balances in your Checking or Regular shares. If you have a Personal Service Loan approved and in place, you may also make a cash advance from your PSL You further understand you may use the ATM CARD to purchase goods and services ("Purchase') at any retail establishment ('Merchant') where ATM CARDS are accepted by such Merchant. It you use the ATM CARD to make a Purchase to obtain cash, if permitted by the Merchant, you shall be requesting us to withdraw funds in the amount of such Purchase (including any cash received from the Merchant) from your Cheddng Shares and directing or ordering us to pay such funds to the Merchant. You request that we will provide to you such other services or access to other ATM systems or networks using the ATM CARD which we may later make available and which we advise you are offered in connection with your account(s) set forth on your application form. You also understand that from time to time you may request in writing that we provide access to additional accounts of yours through the ATM CARD we have issued to you. You agree that the uses of the ATM CARD described in this Agreement shall be subject to the rules and regulations of each account which is accessed by such Card. 2. USE OF PERSONAL IDENTIFICATION NUMBER ('PIN') WITH ATM CARD You understand that a STAR SYSTEMS or a PLUS SYSTEM ATM is an automated teller. It can and will perform many of the same tasks as a human teller. You acknowledge that the Personal Identification Number or PIN which you use with the ATM CARD is your signature, identifies the bearer of the Card to the STAR SYSTEMS ATM, PLUS SYSTEM ATM, or other network ATM and authenticates and validates the directions given just as your actual signature and other proof identify defenses (other than tort claims) arising oat of goods and services you purchase with the card only if you have made a good faith attempt, but have been unable to obtain satisfaction from the plan merchant, and (a) your purchase was made in response to an advertisement we sent or participated in sending you, or (b) your purchase cost more than S50 and was made from a plan merchant in your state or within 100 miles of your home. Any other disputes you must resolve directly with the plan morchant. 13. SECURITY INTEREST - To secure your account, you grant us a purchase money security interest under the Uniform Commercial Code in any goods you purchase through the account. If you default, we will have the right to recover any of these goods which we have not been paid for through our application of your payments in the manner described in the Monthly Payment section. With respect to this account only, we will not assert any statutory right we may have if you are in default to prevent withdrawal of your unpledged credit union shares (Deposits) below the unpaid balance of your account. However, if you give or have given us a specific pledge of your credit union shares (Deposits) by signing the Pledge of Shares or otherwise, or any other security interests for all your debts, your account will be secured by your pledged shares (Deposits) and by the property described in those other security agreements, except for your tome. 14. EFFECT OF AGREEMENT -- This Agreement is the contract which applies to all transactions on your account even though the sales, cash advance, credit or other slips you sign or receive may contain different terms. We may amend the Agreement from time to time by sending you the advance written notice required by law. Your use of the card thereafter will indicate your agreement to the amendments. To the extent the law permits, and we Indicate in our notice, amendments will apply to your existing account balance as well as to future transactions. 15. LATE PAYMENT CHARGE - If your Minimum Payment is not paid within 15 days after the Payment Due Date, you will be subject to a single charge of 5% of the minimum scheduled payment 16. RUSH FEES -You may incur additional charges for rush procassing and rush delivery of cards and/or PIN mailer. 17. DRAFT COPIES - You may Incur an additional charge for transaction summary/sale draft documentation. 18. COPY RECEIVED - You acknowledge receipt of a copy of this Agreement. 14. ILLEGAL TRANSACTIONS PROHIBITED -You agree that you will not use your cans for any transaction that is illegal under applicable federal, state, or local law. 20. NO USE - Inactive Visa accounts that have no purchase or cash activity may be closed without notice to you after 18 months of no activity. 21. NEURAL NETWORK - PSECU uses neural network systems to predict and prevent unauthorized transactions. Thera may be occasions when a transaction is dotiirted because It I8 I dicativie of possible frauidutarl activftK you and aufhanflcate and validate your directions to a human teller. You also understand that a Merchant which accepts the ATM CARD for a Purchase transaction may have an electronic terminal (Merchant operated or Self-Service) which requires the use of your PIN and when your PIN Is used at a Merchant's terminal, it will authenticate and validate the directions given just as your actual signature will authenticate and validate your directions given to us. You acknowledge that your PIN is an identification code that is personal and confidential and that the use of the PIN with the ATM CARD is a security deviiss for your account(s). Therefore, YOU AGREE TO TAKE ALL REASONABLE PRECAUTIONS THAT NO ONE ELSE LEARNS YOUR PIN. 9. LIABfLITY FOR UNAUTHORIZED TRANSACTIONS -You agree to contact us at once it you believe the ATM CARD(s) Issued to you or PIN has been lost or stolen or money is missing from your account(s), You also agree that if your monthly statement allows transactions which you did not make, and you do not contact us within 80 days after the statement was matted to you, you may not get any money lost after that time. YOU AGREE THAT IF YOU GIVE YOUR ATM CARD(s) and PIN TO SOMEONE ELSETO USE YOU ARE AUTHORIZING THEMTO ACT ON YOUR BEHALF AND YOU WILL BE RESPONSIBLE FOR ANY USE OF THE CARD(s) BY THEM. You could lose all your money in the account(s) If you take no action to notify PSECU of the lose of your ATM CARD or PIN. Safeguard your Personal Identification Number (PIN). Do riot tell or disclose your PIN to any other person. Do not write your PIN on your ATM CARD. Do not keep a written record of your PIN near your ATM CARD. Do not choose a PIN that is easily identifiable. A new card may be ordered for you at that time and a 'hold' will be placed on your old card. After such time, if you find your old card, destroy the old card by cutting it in half. If you attempt to use your old card, it will not work. 4. CHARGES - You agree to pay a 50 cent charge for each deposit or withdrawal exceeding 15 a month. You agree to pay the 50 cent penalty charge on any cash disbursement transaction (loan advance or share withdrawal) that is less than $20. You agree to pay a 25 cent charge on each balance inquiry. You may incur a charge for any adjustment that needs to be made to your account resulting from an error you made while making a deposit at an Automated Teller machine (ATM). You agree to pay the charges or transaction fees which are charged by us for these services or for services which may later be offered as such fees or charges may be imposed or changed from time to time. 5. DEPOSITS - You agree that when you make a deposit at a STAR SYSTEMS ATM that we have the right to verify the deposit before we make the money available to you. If you deliver cash, checks or other items to a STAR SYSTEMS ATM, you understand and acknowledge that the funds from your deposit may not be available for immediate withdrawal and that the availability of your deposit shall depend on our rules and regulations regarding the particular a ,--count in which you are making a Electronic Funds Transfer AT mLA_g_regrrte/tt_.and Regu(atign ."E" A. isclosura (continued) deposit, the items that you are depositing and whether the deposit is made at a STAR SYSTEMS ATM that is owred by us or another financial institution. You also understand and acknowledge that not all STAR SYSTEMS ATMS may accept deposits and some STAR SYSTEMS ATMS may limit the amount of funds which may be deposited and that we may not control these limits. 6. LIABILITY - If the ATM CARD is issued for a joint account, you agree to be jointly and severally liable under the terms of this Agreement and the agreement for such aoeouni. You agree that if you make deposits or payments to your account(s) with items other than cash (checks, drafts or other items) and we make funds available to you from such deposits prior to their collection, you agree that we may deduct the amounts of such funds from your account(s) which are not collected or, if the funds in your account(s) are insufficient at such time, you will promptly pay to us any amount of such funds which are not collected. 7. AMENDMENT OF THIS AGREEMENT - You agree that from time to time we may amend or change the terms of this agreement including amendments or changes to add further ATM CARD services or to amend or change the charges for these services. We may do so by notifying you in writing of such amendments or changes and your use of the ATM CARD after the effective date of any such amendment or change shalt constitute your acceptance of and agreement to such amendment or change. 8. OWNERSHIP - You agree that the ATM CARD is our property and you will surrender it to us upon our request. You agree that the ATM CARD is non- transferable. 8. DISCLOSURES -You hereby acknowledge receipt of the disclosure statement informing you of your rights under the Electronic Funds Transfer Act and a copy of this Agreement REGULATION •E" DISCLOSURE 1. ELECTRONIC CHECK CONVERSIQiWELECTRONIC RETURNED CHECK FEES - It you pay for something with a check or share draft, you may authorize it to be converted to an electrordc fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization. 2. SUMMARY OF CONSUMER LIABILITY - • ATM, ACH and SST - Tell us at once if you believe your card has been lost or stolen. Telephoning is the best way to keep your possible losses down. You could lose all the motley in your account plus your maximum overdraft Iute of credit. If you believe your card has been lost or stolen, and you tali us within two business days after you learn of the loss or theft, you can lose no more than $50 if someone used your card without your permission. If you do not tell us within two business days after you learn of Me loss or theft of your card, and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $SM. Also, If your statement shows transfers that you did not make, tell us at once. It you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. if a good reason such as a long trip or a hospital stay kept you from telling us, we will aden d the time periods. 3. TELEPHONE NUMBER AND ADDRESS TO NOTIFY OF UNAUTHORIZED TRANSFERS - • ATM - Contact PSECU at (800) 237-7328 EXT 3808 (nationwide) or (717) 234-8484 (in Harrisburg). After hours, follow the menu options on PSECU's voice mail system to report a lost or stolen card. For VISA Credit or Debit Cards, follow the directions for Lost Card Notification under the VISA Credit Card Agreement and Truth-In-Lending Disclosures section of this document. • ACH and SST - Contact PSECU at (800) 237-7328 (nationwide) or (717) 234-8484 (in Harrisburg). Or write to us at: Pennsylvania State Employees Credit Union P.O. Box 67013 Harrisburg, PA 17106-7013 PSECU Business Hours: 8:00 a.m. - 5:00 p.m. M - F TDD (800) 472.1967 Nationwide (717) 777-2100 in Harrisburg 4. FINANCIAL INSTITUTION'S BUSINESS DAYS - • ATM, ACH and SST - PSECU's Business Days are Monday through Friday, Holidays not included. 5. TYPES OF ELECTRONIC TRANSFERS A CONSUMER MAY MAKE - • ATM - Balance inquiries on checking, savings and PSL; withdrawals from checking/savings; cash advance from PSL; deposits to checking/savings; purchase goods and services at any accepting retail establishment. • ACH - Preauthorized debits and credits to checking and savings. • SST - Balance inquiries and transaction histories on all share, certificate and loan accounts; transfers from any share to another share or loan account from your PSL to any share or Inan account: -mthdrav.,als from any Share except IRA shares or certificates. 6. ANY CHARGES FOR ELECTRONIC FUNDS TRANSFERS OR FOR THE RIGHT TO MAKE TRANSFERS - • ATM - Fifty cents for each disbursement (cash advance or withdrawal) less than $20; fifty cents for each transaction over 15 per month; 25 cent for each balance inquiry; and there may be an additional charge for any adjustment that needs to be made to the account of any member who makes an error while depositing at an Automated Teller machine (ATM). • ACH - $20 service charge for insufficient funds for each electronic transfer. • SST - none 7. SUMMARY OF CONSUMER'S RIGHT TO RECEIVE DOCUMENTATION OF EFTS - • ATM - You are entitled to receive a printed receipt at the time of each transaction. You will receive a monthly statement showing the status of your account, any transactions made during the month, and any penalties or charges PSECU may impose during the month. • ACH and SST - You will receive a monthly statement showing the status of your account, any transactions made during the month, and any penalties or charges PSECU may impose during the month. • If you have arranged to have a direct deposit made to your account at least once every 60 days from the same person or company, you can call us at (800) 237-7328 to find out whether or not the deposit has been made. 8. STOP PAYMENT RIGHTS- PRE-AUTHORIZED TRANSFERS - • ATM and SST - Not applicable. • ACH - Right to Stop Payment and Procedures for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of time payments. Here's how: Call us at (800) 237-7328 (Nationwide) or (717) 234.8484 (Harrisburg) or write us at: Pennsylvania State Employees Credit Union, P.O. Box 67013, Harrisburg, PA 1710e-7013, in fine for us to receive your raciuW three business days or more before the payment is scheduled to be made, tf you call, we may also require you to put your request in writing and get it to us wiEfwrt 14 days after you calf. • Nobto of Varying Amountla. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set. • UabXty for Fabure to Stop Payment of Presuthorized 71ransfartt. If you order us to stop one of these payments three business days or more before the transfer is sdwxk ed, and we do not do so, we will be liable tot your losses or dartrages,.unless we request and do not receive written confirmation of an oral stop payment within 14 days and the transfer takes place after 14 days, or you fag to give us proper instructions that would enable us to place the stop on the transfer. 9. SUMMARY OF THE FINANCIAL INSTITUTION'S FAILURE TO MAKE OR STOP CERTAINTRANSFERS - • ATM - if PSECU fails to complete a transaction on time or in the correct amount, when properly instructad by you, PSECU will be (fable for damages caused by our failure unless: (1) there are insufficient funds in your account to complete tfte transfer; (2) the funds in your account are uncollected; (3) the funds are subject to legal process; (4) the transaction you request would exceed the funds in your account plus any available overdraft protection; (5) the STAR Systems, PLUS system has insufficient cash to complete the transaction; (6) your card has been reported lost or stolen and you are using the reported card; (7) PSECU has reason to believe that the transaction requested is unauthorized; (8) the failure is due to an equipment breakdown that you know about when you started the transaction at the STAR Systems, PLUS System; (9) the failure was caused by an act of God, fire, or other catastrophe, or by any other cause beyond control; (10) ff you attempt to complete a transaction that, at a STAR Systems, PLUS System, or merchant terminal that is not a permissible transaction listed above; or, (11) the transaction would exceed the security limitations on the use of your ATM CARD. • ACH and SST - If PSECU fails to complete a transaction on time or in the correct amount, when property instructed by you, PSECU will be liable for damages caused by our failure unless: (1) there are insufficient funds in your account to complete the transfer; (2) the funds in your account are uncollected; (3) the funds are subject to legal process; (4) the transaction you request would exceed the funds in your account plus any available overdraft credit; (5) PSECU has reason to believe that the transaction requested is unauthorized; (6) the failure was caused by an act of God, fire, or other catastrophe, or by another cause beyond control. In any case, PSECU shall be liable only for actual proven and not consequential damages if the failure to make the transaction resulted from a bona fide error despite PSECU's procedures to avoid such errors. 10. DISCLOSURE TO THIRD PARTIES - • ATM, ACH and SST - PSECU will disclose information about your account to third parties: (1) when it is necessary to complete transactions: (2) to verity the existence and standing of your account with PSECU upon request, of third party, such as a credit bureau: (3) to comply with government agency or court jectrontC F ns.T?ans/grLgTNi_RgreeMg t end Reg_uf3tion "E'_.Di ctosgre (continued) orders; (4) in accordance with your v,ritten permission; (S) to comply with government or administrative agency summonses, subpoenas, or court orders; (6) on receipt of certiGcabon from a Federal Agency or department that a request for information is in compliance with the Right to Financial Privacy Act of 1978; Regulation P, Privacy of Consumer Financial Information; and (7) when it is necessary to take legal action to recover shares. 11. STAR SYSTEMS SERVICES - • AYM Only - You may use your ATtd CARD with your Personal Identification Number (PIN) at STAR SYSTEMS located in Delaware, Maryland, New Jersey and Pennsylvania to conduct any of the following transactions for the accounts accessed by your ATM CARD. a) Determine the account balance(s) of your Checking your Regular Shares, and your Personal Service Loan (PSL). b) Withdraw cash from your Checking and your Regular Shares. c) Make a cash advance from your Personal Service Loan (PSL). d) Deposit currency, checks, or drafts (ooins are not acceptable) for transmission to PSECU for deposit in your Checking and your Regular Shares. NOTE: There are limited locations in Maryland where deposits may be made. We wish to inform you that some ATMs located in these areas may only provide access to your Cheddng, your Regular Shares, and your Personal Service Loan. Not all ATMs may accept deposits. There may also be limits on the amount of funds which you may deposit to certain ATMs. 12. PLUS SYSTEM' SERVICES - • ATM Only - You may use your ATM CARD with your Personal Identification Number (PIN) at any PLUS SYSTEM automated teller machine (PLUS SYSTEM ATM) located throughout the United States, Puerto Rico, Canada, Great Britain and Japan to conduct any of the following transactions on the accounts accessed by your ATM CARD. a) Determine the account balance(s) of your Checking, your Regular Shares, and your Personal Service Loan (PSL). b) Withdraw cash from your Checking and your Regular Shares. c) Make a casts advance from your Personal Service Loan (PSL). NOTE: Deposits are not available through PLUS SYSTEM ATMs. These are the STAR SYSTEMs services currently available through the PLUS SYSTEM network. Other services may be offered in the future. 13. OTHER ATM NETWORK ACCESS -- • ATM Only - From time to time, PSECU may make arrangements with other ATM networks to grand access to ATM CARDS. PSECU shall inform you when such arrangements are made and describe the services that are available to you. Any charges will also be described. 14. PURCHASE TRANSACTIONS - • ATM Only - You may use the ATM CARD to purchase goods and services ('Purchase') at any retell establishment ('Merchant`) where ATM CARDS are accepted by such Merchant. The amount of all such Purchases will be deducted from your Checking. When you make a Purchase using the ATM CARD, you will be requesting PSECU to withdraw funds from your ChecWQ in the amount of the Purchase and directing PSECU to pay these funds to such Merchant. 1 S. LWTA11ONS ON THE USE OF YOUR ATM CARD - • ATM Only -You may withdraw up to $500 per day from one or a combination of your accounts by using a ATM CARD provided the funds are available at a STAR SYSTEMS or PLUS SYSTEM ATM. In addition, you may wiftraw/purchase up to $500 at point of sale locations. PSECU reserves the right to reduce this daft' limit at any time. In the event that your daily limit Is less than $500, PSECU will advise you of the new tlmitation. The day for withdrawal limits starts at 12 mkinight each day and ends at 12 midnight the next day. For security purposes, there are also certain daily limitations on the frequency of use of the ATM CARD. However, these limitations are not revealed for security reasons. The Pennsylvania State Employees Credit Union is not obliged to maintain such limitations. You will be denied use of your ATM CARD if you exceed the daily withdrawaL'purchase limit, if you do not have adequate funds available In your account, do not enter the correct Personal ktent;fication Number (PIN), or exceed the frequency of usage limitation. The receipt provided by the STAR SYSTEMS or PLUS SYSTEM ATM or Merchant terminal will notihj you of the denial. There is a limit on the number of such denials permitted. Attempts to exceed the limit will result in machine retention of our ATM CARD. The number of attempts that result in machine retention is not revealed for security purposes. 16. ERROR RESOLUTION PROCEDURES - • ATM, ACH and SST - In case of errors or questions about your transactions: Direct inquiries to PSECU at (300) 237-7326 Nationwide, TOD (800) 472- 1967 Nationwide, (717) 777-2100 in Harrisburg, or write PSECU at: Pennsylvania State Employees Credit Union, P.O. Box 67013, Harrisburg, PA 17106-7013, as soon as you can if you think your statement or receipt is wrong, or it you need more information about a transaction listed on the statement or receipt. PSECU must hear from you no later than 60 days after it sent you the first statement on which the problem or error appeared. You must provide the following information: (a) Your name, account number, and ATM CARD number (if a ATM transaction), or reference number (it Self- Service Telephone Transaction); (b) Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe It is an error or why you need the information, and; (c) The dollar amount of the suspected error. N you tell PSECU orally, you must send your complaint or question in writing within 10 business days. PSECU will tell you the results of the investigation within 10 business days for STAR SYSTEMS, PLUS SYSTEM, SELF- SERVICE TELEPHONE, or DIRECT DEBITICREDIT TRANSACTIONS, or 20 days for STAR SYSTEMS purchase transactions. N we need more time, however, we may take up to 48 days for STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICETELEPHONE, or DIRECT DEBIT/CREDIT TRANSACTIONS or g0 days for STAR SYSTEMS purchase transactions. It PSECU decides to do this, it will recredit your account within 10 business days for the amount you think is in error H it is a STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE TELEPHONE, or DIRECT DEBITICREDIT transaction, or 20 business days tf it is a STAR SYSTEMS purchase transaction. You will have the use of the money during the time A takes to complete the investigation. If PSECU does not receive your complaint or question In writing within 10 business days, PSECU may not recredit your account. If PSECU decides there is no error, you will be advised within three business days after the irnrestigafion is completed. You may ask for copies of the documents PSECU used in the investigation. If PSECU credits your account while investigating, you must repay those funds if PSECU concludes no error has occurred. 17. ATM SURCHARGE -- If you use an ATM that is not operated by us, you may be charged a fee by the ATM operator and by any national, regional or local network used in processing the transaction (and you may be charged a fee for a balance Inquiry even If you do not complete a fund transfer). The ATM surcharge will be debited from your account H you elect to complete the transaction. Notice To Consumers Using ATM's • Be alert to your surroundings. If you doubt the safety of a particular location, choose another ATM. • N the ATM has an entry door, close the door prior to initialing your transaction. • Put your cash away immediately. • Direct complaints concerning ATM security to an appropriate department of the owner of the ATM. New Jersey residents: you may call the New Jersey Department of Banking at (609) 292-7272. For those members who purchase a vehicle under the DRIV Program, please review the fallowing FTC Notice: ANY HOLDER OFTHIS 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. Om j~ 13 Q V e m 06 UvNi ''.wR vJ y a) CL. E 0 Q W z ..J Z Q O J T m W 0 0 O >' cJ N; M E L ? N O ? N O p o m ?F a°o v?p E m o w y ?o S€ E> m zwg q SSG ra E RAm(6 Om N ? ccn u CD d da E ?G _ ?c;Q0 0 m m W O f0 G y? :7 ?' _ ; G 0 0 0 0 0 p O 0 0 ,Q 0 0 0 0 0 0 0 0 0 O fJ r3 d a O? 1 V rn ro.C +o ?• 61 Y No0' ?N? .N-?$wa7F t0 f 19N [ •• C v c'? .. 16 7 41 O p J ca O C GO » L Y R d umi u °% c n _s c o s !' . ,, d, E E a E IS LO D uj '- M ; w my c ?'eo o Iran 0 ° ! 0. ?? W 2r?a C W a N n m y w H CD O. d' W M 9 T d of pp G cc? Pa1 ,? c? ay ??g= o e t0 c c 4 > m y$ ?O a m U2 Q >, ?? C9 c o? t c R C m t3 j y 0. 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Oc7 ° CCU , CE f I?NfV CS P 9, M e'7 Y aY ?i' 1 ?e o o C Y p 7 d TU T w C C's Q) ?p W ?prCy NNtWN NN?Nt9 r rN0'f ?t 1f7 t01• W W NN cca .2 ;a 8 m 0. a r c oW 5? o '0 E Z ° > m $ m o E w 3 ?t 3 E o. m ° o 6 o m L n#i . c g 'o goo m$ cc °>°E U w m oEE c ' in w _ o i. 0 ?Q'7p p c o4 Oc v N €N ??+ C ? r m C ENS fV c LE?x -0 c3 % L g E 0 $ ' 0 o' A T C `" O aviQ?o? d e ? v C°10 :3 9 V CL o L° O N E .110 N N O a? U U r .C TZ A G c cr3 F- a . d L.u7? 4. 0 4or rd??ro%TARY 2009 MAY -1 PM 12: 49 V N+ r i, sl' "'OUNTY $'18.50 P 0 A?TV Gc * 9aai RT*- 1,2421;t Sheriffs Office of Cumberland County R Thomas Kline o "tn of c'uwb'P.. Edward L Schorpp Sheri cla Solicitor Ronny R Anderson Jody S Smith Chief Deputy oFFjQE c? T"E RIFF Civil Process Sergeant SHERIFF'S RETURN OF SERVICE 05/08/2009 R. Thomas Kline, Sheriff who being duly sworn according to law states that he made a diligent search and inquiry for the within named defendant to wit: Michael B. Hanle at 11 Clemson Drive, Camp Hill, Cumberland County, Pennsylvania, 17070 but was unable to locate him in his bailiwick he therefore returns the within Complaint as not found as to the defendant, Michael B. Hanle. Current resident advises the defendant no longer resides here and the Post Office has no forwarding address. SHERIFF COST: $41.50 May 15, 2009 SO ANSWER. R THOMAS KLINE, SHERIFF 2009-2858 Pennsylvania State F]nployees Credit union v Michael Hanle --4 - -Tj IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES N0.09-2858 Civil Term CREDIT UNION, . Plaintiff vs. . MICHAEL B HANLE Defendant ~ CIVIL ACTION -LAW PRAECIPE TO REINSTATE TO THE PROTHONOTARY: Please reinstate the Complaint with regard to the above defendant in the above captioned matter. Date: ~IrJ~ Respectfully submitted, VAN ECK & VAN ECK, P.C. ~~~ Melissa L. Van Eck, Esquire Attorney ID No.: 85869 7810 Allentown Blvd., Suite B. P.O. Box 6662 Harrisburg, PA 17112 (717)540-5406 t) ,~_, i ~ yy ' ~ 1~ ( h r._ < $Id.oo Q~ ATT~f CK* 4c~79 ~t*"aa$ss3 SHERIFF'S OFFICE OF CUMBERLAND COUNTY '~ Ronny R Anderson ~~i ~~ ' ' iff - ~ ~' ~~=;~ c = ~ ~;:Y Sher - ~tti~' of 4~u+r+Gr~{ ~lt~ ~~~~ Jody S Smith t u .~ ~¢ ~,. 20EQ ~!~ ~ ~ E'3 ~• J ~ 0 ~ Chief Deputy . i Edward L Schorpp CUI~ .,:. ,, .~ ,~"~ ~:= L LL: ' Solicitor .. ~ F F 1 a ~ { ` ' t t'~+ `~+ ' ~' ; , , r , ~~ Pennsylvania State Employees Credit Union Case Number vs. 2009-2858 Michael B. Hanle SHERIFF'S RETURN OF SERVICE 05/18/2010 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Michael B. Hanle, but was unable to locate him in his bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant Michael B. Hanle. Current residents of 439 Market Street Apartment 3, New Cumberland, PA 17070 advised Deputies Michael B. Hanle does not reside at this location anymore. The defendant's ex father inlaw resides at 11 Clemson Drive, Camp Hill, PA 17070 and he advised Deputies Michael B. Hanle does not reside at this address and he has not seen him in years. Michael B. Hanle is thought to be residing in a shelter in Harrisburg, PA. SHERIFF COST: $61.80 May 18, 2010 SO ANSWERS, ~.~ RON R ANDERSON, SHERIFF ;c GounfSuitca She!'iYt. ~I~eleosofT. Inc. of CUM David D. BueCC e p Renee 1 Simpson Prothonotary ;,, y 15` Deputy Prothonotary r, v a v RirkS. Sohonage, ESQ Irene E. Morrow Solicitor X750 2nd Deputy Prothonotary Office of the Prothonotary Cum6er(and County, Pennsylvania 09„,f2a5c3 CIVIL TERM ORDER OF TERMINATION OF COURT CASES AND NOW THIS 29TH DAY OF OCTOBER, 2013,AFTER MAILING NOTICE OF INTENTION TO PROCEED AND RECEIVING NO RESPONSE-THE ABOVE CASE IS HEREBY TERMINATED WITH PREJUDICE IN ACCORDANCE WITH PA R.C.P.230.2. BY THE COURT, DAVID D. BUELL PROTHONOTARY One Courthouse Square • Suite 100 • Carlisle, PA 17013 • (717)240-6195 • Fax(717)240-6573