HomeMy WebLinkAbout09-5643IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
BRAZOS STUDENT FINANCE
CORPORATION,
Plaintiff,
VS.
HEATHER L. ECKLEY,
Defendant.
§ CASE NO: 0`?-S1o43 C"v;l Tem.
§ COMPLAINT IN CIVIL ACTION
Filed on Behalf of Plaintiff.
Brazos Student Finance Corporation
Counsel of Record for this Party:
oah Paul Fardo, Esquire
Pa. I.D. # 83848
Shawn T. Flaherty, Esquire
Pa. I.D. # 43697
FLAHERTY FARDO, LLC
Firm # 527
5541 Walnut Street
Pittsburgh, PA 15232
Telephone No.: 412-802-6666
Facsimile No.: 412-802-6667
Email: npf@pghfirm.com
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
BRAZOS STUDENT FINANCE
CORPORATION,
Plaintiff,
No..
VS. COMPLAINT IN CIVIL ACTION
HEATHER L. ECKLEY,
Defendant.
NOTICE TO DEFEND
You have been sued in Court. If you wish to defend against the claims set forth in the
following papers, you must take action within twenty (20) days after the Complaint and Notice are
served by entering a written appearance personally or by an attorney and filing in writing with the
Court your defenses or objections to the claims set forth against you. You are warned that if you fail
to do so, the case may proceed without you and a judgment may be entered against you by the Court
without further notice for any money claimed in the Complaint or for any claims or 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 OR KNOW A
LAWYER, THEN YOU SHOULD GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW
TO FIND OUT WHERE YOU CAN GET LEGAL HELP:
CUMBERLAND COUNTY
PENNSYLVANIA LAWYER REFERRAL SERVICE
1-800-692-7375
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
BRAZOS STUDENT FINANCE
CORPORATION,
Plaintiff,
VS.
HEATHER L. ECKLEY,
Defendant.
CASE NO: D q- -3G N'3 Cx;,?J z,-,
COMPLAINT IN CIVIL ACTION
PLAINTIFF'S COMPLAINT IN CIVIL ACTION
1.
AND NOW COMES BRAZOS STUDENT FINANCE CORPORATION, ("BSFC"), as
a successor in interest to PNC Bank, a non- profit corporation duly incorporated, by and through
their legal counsel and files the following Complaint in Civil Action.
1. Plaintiff, BRAZOS STUDENT FINANCE CORPORATION, ("BSFC"), as a
successor in interest to PNC Bank, a non- profit corporation duly incorporated and existing under
and by virtue of the laws of the State of Texas, with its principal office and place of business at 2600
Washington Avenue, City of Waco, County of McLennan, Texas.
2. Defendant, HEATHER L. ECKLEY, the student borrower, current residence is 801
South Market Street, Apartment C, Mechanicsburg, Cumberland County, Pennsylvania 17055-4747.
Service of Process on the Defendant may be obtained in person wherever the Defendant may be
found or through Certified Mail Return Receipt Requested at the above address.
II.
3. On or about June 6, 2000, Defendant, HEATHER L. ECK-LEY, as the student
borrower, for valuable consideration, executed and delivered to PNC Bank, the original loan lender,
a promissory note promising to pay $10,000.00, the sum thereon together with interest.
On or about July 11, 1999, Defendant, HEATHER L. ECKLEY, as the student borrower,
for valuable consideration, executed and delivered to PNC Bank, the original loan lender, a
promissory note promising to pay $7,500.00, the sum thereon together with interest.
On or about November 22, 1998, Defendant, HEATHER L. ECKLEY, as the student
borrower, for valuable consideration, executed and delivered to PNC Bank, the original loan lender,
a promissory note promising to pay $7,500.00, the sum thereon together with interest.
4. Plaintiff, BSFC, subsequently purchased said notes from PNC Bank and thereafter
became the holder in due course of the notes and has all the rights, powers and duties associated
therewith.
5. Copies of the promissory notes at issue are attached hereto and made a part hereof for
all purposes and marked as Plaintiff's Exhibit "A".
III.
6. The Defendant has defaulted on the promissory notes by failing to make timely
payments on the notes or by failing to make payments on the notes. Defendant thereby caused
damage to the Plaintiff in the amount of the (a) principal due on the promissory notes,(b) prior
accrued interest which has been capitalized and rolled into the original principal on the promissory
notes, plus (c) accrued interest currently due on the promissory notes, and thereafter as allowed by
law on the promissory notes, (d) post judgment interest, (e) reasonable attorney's fees, (f) court
costs, (g) service of citation cost, and, if applicable, (h) collection and late fees, on the promissory
notes to the date of judgment, all of which are provided for in the promissory notes.
IV.
7. Plaintiff has employed the undersigned attorney(s) to represent it in the filing of this
suit and has agreed to pay them reasonable attorney's fees, as provided for in the promissory notes.
8. Defendant owes a principal amount of $28,189.52 (combined collectively on all 3
promissory notes) (prior interest which was capitalized and rolled into the original principal).
9. Defendant also owes interest accrued to March 14, 2009 in the amount of $5,001.09,
plus interest after March 14, 2009, at a current variable rate of 3.700% (per each promissory note),
subject to change, as provided for in the promissory notes.
10. The principal balance due on the promissory notes is more than the original balance,
therefore showing a discrepancy. The reason for this discrepancy is Defendant failed to make timely
payments and/or failed to make payments. During this time, interest continued to accrue, thereafter
the accrued interest was capitalized and rolled into the original principal as allowed by law.
11. Defendant also owes reasonable attorney fees in the amount of $6,638.12.
V.
WHEREFORE, PREMISES CONSIDERED, Plaintiff prays that Defendant be cited to
appear and answer herein, and that this Court render judgment against the Defendant in the total
amount of $39,828.73, plus interest after March 14, 2009, court costs, service of citation costs, if
applicable, collection and late fees on the promissory note, and any other relief that this court deems
just and proper until judgment is paid in full.
Y,
NOAH PAU
Pa. I.D. # 83
5541 Walnut treet
Pittsburg, Pennsy vania 15232-2352
Telephone: 412/802-6666
Facsimile: 412/802-6667
ATTORNEY FOR PLAINTIFF
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
BRAZOS STUDENT FINANCE §
CORPORATION, §
Plaintiff, §
VS. §
HEATHER L. ECKLEY, §
Defendant. §
CASE NO:
COMPLAINT IN CIVIL ACTION
VERIFICATION
I, Tom Pardaen, an authorized representative for Plaintiff, Brazos Student Finance
Corporation, ("BSFC"), verify that the facts set forth in this Complaint in Civil Action are true and
correct to the best of my knowledge, information, and belief. This statement is made subject to the
penalties of Section 4904 of the Crimes Code (18 PA C.S.A. § 4904) related to unsworn falsification
to authorities.
T m Pardaen, Collections anager
Authorized Representative for Plaintiff
SUBSCRIBED AND SWORN TO BEFORE ME
/ PATRJCIA L SMRH
ice) J<) NaM ry PWA PubMc, State of Texas
Ids Conan. EXOM 42&2010
Date: July, 2009
on JUL q 2009.
Notary Public, S ate o Texas
? ,,,;
EXHIBIT "A"
4'/2001
APP
A. sudiert Bonowr Seetson Th be ooff~ by the OW&V
t.Last Marne Find Nemi AAI 2. Social Smewity No. 3. Low Amount f
2ciA Lr L /402 Requested /01 040
4. Permanent SUM Addy S. Street Address while In a Jwd (All mall Mall Ir gent hat. M d(Rersr 1 horn your permarsan address)
.)off w _
City l' rD State Zip owe ` City State - Dp Cods_
Telephone Number I f0 Telephone Number ) -
.
ft. Defect Bkdh T. Driver's LlnOge S. Enro*mrlt Pedod lot This Aca(Nmk Term (not to exceed 12 monshp W.
0)"I H t 7 State of luuance : r - tam, R -L no _m r t 1_
(M t D r Y ) oO 9- (itianTh I Yeast ( m I Year)
9. Have you ever defauaad an • Rexieral Stadord, or any atMl loan 10. CPozenshlD Bleale: A. Otl.B. CW><gfn o ?datlcrW B.0 Psrinsnera Resident a aMrw aipSie iiwh
(n yes, WkWO doamtsntallM on qWO. t shll+f) Q,Yee, ? - - a......+.er Aran LD.4
11. P Mlersnas WovlQe 2 ad* rafsranc?es who ivt M trio AC*-bWC r an 4W lolfh carwot be lister o a retereriee.-
Co
fat i IAUU l-
tt Name of Co-8 W/ CO-Borrower SAO. F O . No
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- - - .. .. 113.80dd Securhy No.
14. Deft of Birth On""
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IX IS. If lees ian2 ynti. Previous Addnae MbmK . ... Zip) --- -- - : i 19. C1Nierahip A. 0 U.B. Clues or NallonM Q
IN 6tatue: B. 0 Pernme nettt Resident or other eligible aien
?
s..o...e?e Allen ID.M
= 20 Present Empbr ter Name and M&M Swat ' .Ste ) Attach Stub (s -) 21. Work ebphone 22. Salley MmmlArxnium4 2S. Yom Thai
expwa?r aneiYneoCe iixiedllafee7ereMdlr'?oe a? bNwr ooriNfJdeCri AV riff 26. Addlronel Mheomxi
21. dAddilonal nCO.rrxe .lprxenrs -Opp-tor 2
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20. Personal ItMrrrnoac Provide two i Marwhcgq that it five - r -- . Zoigs_as. Tho Shalsrt! Bolrovnr s bxid 1Se bled a refwwhos._ O
t Narm 2 Napse
CL Ad*eu Add- 7
= City. State. Dp Phnne No.( (My. State. ZIP Phorr No.(
U C. sonower(s) signsare Section: •? . ,••, C
~ Bonowsr s StaMrtwst By signing below. Borm-W. kmiuding eM Bglmwar who 4 peagnete0.ae a Co-51?rndCo-Borrowr adeowk0p that Borrower(s) have rand to InfourAdOn sa larlh Im Rea A,pPIcadon t
?
and Pea *wq Note and Rat to I forrrhMlon provided If Inn and scarab to bi bast of Borrow '.%juhow?mci andUW.. Borroww(s) a4diorlao Lender b doge and iwtsdiale to cru% ennploymena and
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t othw Idormsson Ixhrdsd on Mte Applkatlan Indu?hp but not M1ged to, obbirNnp credR spat 4om a oorrtrtnsi aedlt ta(iatlrq a9! The matatub -accot parry" tlsih FANIcaltm and Pro kmy /Iota F
(M,,W W) ant Incorporated into and made part d We Application. Bonownr(s) auMnoits Lender to rower qui4ois ibout Lenderi amt esparNric? rw1Jt gaiowa(a} and b hrrsWs ksfaBrlfan arseMtsYtQ d
Barroww(q tease ro o
cradle npportinp
a ant oMZar
tnal Barawar(a) also stag to bay are riotYs dkauk an h auMa
e who mry recatw suds
coW Va
reed
homd
of jhm Lo
dZe Isnndef to eleediopiraiy traaertdt pr?asde d }his l.osn to the Sctnooldlrroc?r It Rhle Is b I* rte srrthoC pnNNmby 1htsi .9rFioW.?onsPww(h wndwagysQe
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of this Nob In aocadanw Marts, the 110w BorrpwgAproas b Mr Tway ofrheaLoan;h rite Prorrdssory Nob Esch Borrov it gnirmim that the s i u
Co-SgnedCo-Sarrow er. Reed the Naice ta.Cq;5apner given loyou on a separate sheet. Any Borrower who Is destynahed as a Co-SigrwrCo-Baraww agrees to be eguaiy r*sponsble with all other Borrowsle ter
- Mr paymed of ids loan ant the pwfornsa ce of all promises In the Noce.
p
JUN 2 9 20M
Baraww(s) that Borrower(s) have rouphty ro Appnntlan mW Pmndsaory Note. Inxdudnp Rte wailing on f revuw side.
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SUdant wsr
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0. Wool Q iffica lontl3BrQan: Tbi arnPlatedby • Kttool o'lflciaT
27'A1T pensburg University 33. DmSchool Co0i1Btinch 003326: " 't 1°'7"717)'-,477'-I M:
28. SVWAddm" _ 34. Cats o(Attwxdence "r w: 99. R.commasdw 0haa:atwttAm«,ritsand DalaW 6tMd?
1871 Old Main Div : 11 100 - m
city State hi ensbur PA 1727 ' - $" baFl,r,dwAw 0 1814 50008/3610d' '0001/17101
W. GriJed LOW Artwlrnt 10,000. 1 1 41h -S I ' I
9. Lom 8%22/ 00 TO. 5/4/01 It
30. Grade Level V. tr chW G 1 hray, cartily Rat Skawd Bd*Qw iian8sd on *As Abpicadon Is aoosptad for wroimsrnt on Feist a M"M
3 _ basis aadJa making uWmc wry progrue M a pfogrwn ds w*md to to W0360 to Mri loam 1 firtirr =fly tat the Inlorrnaion provided In
Ma-'Bgr~ and 'Bt1bd' aactiora of ft N tole, a m"te and macaab, to ft bast of my laxavrladpe and baits. I apes to
31. Stable (Chac(t O At LsaM HiJf T1rus 1110 Bwrowir oordfiissaionSSf x111yf Stew N%"& tol "Offoarars skid aceoanL
R11 Tkno
32.ArddDdWOMIolgdo ( 1 fJl1?U _ Blubaugh. Assistant Director
1 U4.
WAOOUCMR. By the aboea Application. slRNnp lift Borrower ,greets Rte lades b stake ids eduaaioP_a,W,y?p loelh appovas RN Bwas" ?quaq for the teas and dleargea Mr pro-
ApPMCaMon end Poarr6sory Nog (`NOb? and !WnmkMnM k b the (??oan7 lo rte egrets and an the Isiraa dsscrbsd In 1He Nde irrNr assda b or an bdW of rte Baraw, gad I Itte Batorw aCeple ite
lkJrd w otlrr peleah fo[ Mss larrPgts 4f frvNO R aedla Lanxdsti ter Leper s F?pyace Lan Program l'P!o0ransP) M Ilte lrhdar = eft f am s of it moat VA be 00" bmhs °et NMh b
WHITE~ BANK YELLOVOr_SCROOL PINK BORRgWER. GOt D NROO-CQ-S(Ca%EWC1O-BORIOIWER
WTIEd: In 16 Note and Me above Application. Me word sortcwel'
sane each Nd ON of tees who sign above. The'SWderd BorroweP Is
s 9efl9 1 a1-8 90LIOWN Mh18 Lan N bekq made b limpe. AN
Nrowers ale agree to the wm of Nate Note veil be 9". kWvlaaNy
Of 111 909 M amount of se Loan. The word 1.~ tmafa
MT (tUeenai Assodation, or NN1yy polder or person to whom this
ale MMM bsia 1?aitslKned. The wad'BCaa means an aoorsdlled col
yeti «miverelly which is participating in Me Program.
MR 06111NT10N8: 'CapPANze• of T4pk zollon' means t al, at
slime I 194 ;" and unpaid IMereef d added to tie ofNbnd-
N p1Nlck balance a t is Lan, end MenaNer kaena wB aoona on
e New pl0knipal balance, Including the capitalized Interest.
VelNred Phase' mesa era phase of to Loan during which the
of Inbred and/or principal Is not aquked. The Deferred Phase
N Oepn on lie dais OW On Loan Is disbursed and will amlbale six
) Mawr (te'grace porlmn alter Me saillest a: (1) five (5 years
roe the risk of se first d eburse n" of to first loan to the atudent
Newer WNW MN • (2) the date the Student Soroower grsdu-
N kwxm Me course 01 snipe for which this Loan Is made: (3) the dale
an lie Student Borrower Is no longer attending Scholl N taut on a
411141aw enraMneM status and making sadolmory progress toward e
1N•• (as determined by Me School). Provided however, that medbal
.dents may extend the Deferred Phase W an additional period of time
1 b s used tines end one-tut (9.10) years while participating in an
"0 or reefdoncy which N required by their field of study, N the
Borrower provides proof of such participation to Lender a suah
in esW IN ash flamer and lam reasonably required by Lander.
Phase' means tie phase of the Loan durig which
Th. Repay." Phase begins Va.,.%" upon
?M serWk to Me means Me disclosure slatemNi that Soffowsf prior to or with Me JIM dlebuase-
t LssdN
Y of ds.an will describe certain kfWres at tide Lan by federal
)tin BORROWER AGREES TO THE TERMS OF THIS LOAN: If for " LOW. Lower will now
a.m. MI-avNng. With If I bMeach disbursement 91 am•p0.
•ds. by efldoftkg ref deck which dsbuxses such proo9sds of by, whNh-
1 objection W" 60 days. o1twMse permkli g Me protesAs b be
N by er on baba of lie Student Borrower, Borrower, each Mhdlvldhal-
O webha1, - a tl? . agrees to repay tad disbursement and all
proceeds Of this Loan and agrees to ell ow
sae OW pfos I In Ike Note.
IB1rNN04ENT OF LOAN PROCEEDS: The Lora proceeds will be
hbNaed ta aria at Mon klawnonw as recd merWed by Me School
d Mteretfed by Me Lander. Disbursements may be made by a
ad p is * to M or swdwA Borrower and In Sehod, by deck
M BoMft funds directly
eal for and on belull as 1N?SIMeM Sorrow4w. Borrower
MadM M School I* Mum hay portion of the Proceeds that exceeds
s aaNaa fnasaNy Is pay Me adult cats of amendarce (less tfan-
i old). wMtiMr by mason Of overparnanL withdrawal. early larmku-
n a errreMhlW or of hervAeo. daectly to Lender, to bd berbled as a par-
h w•wyM.ri a hits Loan.
71VM I WS PROMISE TO PAY: Bemowsf prom ftes to repay We
M to Lender amdrarg to the lone a era NOW * Borrower promises .
NM b4docipal aunowlt wtich as dkbWood b of op behaN of
guesser, ON to on Me unpaid belaim at Me verb"*
anew wb described In Nina NOW'
B air apeea ind uidwlrlds'.
do' attlett when le uhp - during Me Deferred Phase, anWor. any
w « Nowye "" will. be DapbNZst Borrower Wo nis" to
ra so M It" 11111111 ww" an M* apfl~ WORK' In.
,
ONdNNt 110 On Wm of Nat NOW BOmowa prorate" b make
ch payaant on or bNors M dab Mat N to due, and Is ay an oltw
Nestle slick becomm der uldef Ma Waa el Nit Nob, Yhduang, N
pba ilk left obNpft NW cab of alocMoa BonoGer proml18as b
saaMed Leader al lfa b a ilpiece exi or tito md to me. The a murs of to address
ed
salves a douponvallk «a stabrrad shall ma excuse the
;Mal '161a00 b naki.payllmMt coo"' NO b this NoK.' On tie
b lie bit Iatatnent of principal becomes due under M eanrr
? 14016. off tnego gPr• f to ? ahwpay any otter socruest and
gee and saw w her wno af1alMMs.
t10NiQpN MTV: so "M epees b ay to aIBkNNon be mppNa-
1 b fAb Pap--i The sfigl MW be vat be o*w NL orT'% alto
Nod WANd a'NN barn. daF dig aw she orsAl wurmine" of
?•eapNtrMW and oiler Mtdat In Mr discretion of Mw Lander. The
MNNM tae want M dtdntcbd team eacA AsblMewNa a Loam pro
Befrow sus pawand n ?aTeadh4n{Lon
"seem The arryndon tee is non skawable. N M or any portion of
? lean M plspald, no PafMon Of Me a4khae0n fee win be nhMded.
? O Latiall 1 ? agrees, to pay MMreN a Ne pkldpal amours of form Me poatdt are dtbu wd wail era prlnayW bW-
ae b paid In kA. ktersa will be odoullo d as dasabd in Naa see-
R
kasha will be abdaed an a daily baste. according to Me out-
gM1cpel boleros non day Of the Loan Wm. TM d* Interest
18 le "M b eha amoral brine rata nth eked an OW day, dvked by
y id pioaiNWar year. Baewer apws NW because
MI r
calculated
till kdersa (and, N e ldaily be&. We oobb, a k O charge); WYmenb will
PAID tali Mona bekg changed. '
Tha Miefaa rob br tie Lan nay rivers ghwlary on MN Nrst
V cas
00MM* We Will be annourkied 10 9011011116f k Jarsafy, ApA, JMIy and Ocbbw (Ma NMNNI We chol ge
Iwd Oy Ie The 110 Mile WO d is his nand N
y aNle alwge °
dab by adding a rmlgkh of 3A aao«N to each a
poly tb
I gain &And 1 s I- fob Index The MNeleal'las Index Is be used
h ad1 IMa nab dab M lie a ell T BB Ralee•
ItI1tkN1 M t a Net cafge average
sty salmon held on ell &M Monday of Sam
IIMI a?MN?etNNMMMMw aW lndev eyewbe: TM T-BA Rett' N IN wngy
M I MdFN11M „v ?@"W yhyn Oka" AAiNaqaa li(6 M u tea
4POOt %saetn Average ->t44~ N es kwex is no b W Al-
VA embeeka an kndsx Moan le anpa In as Nate
Mai a" M MafNiy w to ft 1eNeelBg?k*"M ab b
w be NO 11% par YNa?in Thr We wit we No*
out any prior 001109 b Borrower, Of right 10 cure, except as may be
required by law.
Swrowe we also be Ln default:
(k) N Sofrower becomes Insolvent and/or cannot pay Somow0e,
debts as May become due, or
M N MW other oredbr MIN bylegel Process to take airy, money or
property of Borrower In, b L wwuv posessaw; Or
(m) N Borrower Ilea a bankruptcy petition or N anyone Mae an
knvolk"" bank upby against sorrowar, or
(n) N Borrower makes an aalgrmNi for M4. benefit of credkora. or
any hNlveroy, nprgwizaNpr4 debt ad)uMaenl, receiver.
ahp, Mwtsesfhp. Iquldatlon er = "W116141 proceedings are
ha k, ed or against Borrower, or
win of ex N any execution Migment, fax IM municipal charge or lax levy N Mod or
Is Issued W Borrower.
N any event described In
Nanding balum on this NOW 0),(m). (n) or ? due e without any prior
rhoflos b Borrower, of Apphhtt to an. except as may be required by law. A
default by Borrower on We Noe Is a default on every other note, ban or
agreement of Borrower with Lender.
BILLING STATEMENTS: If Lender chooses to send periodic billing
statements or other pedock statements of Me Loan, Borrower agrees
that the Infon ation contained on the statement wed be considered
accepted by the Borrower and true unless the Borrower notifies to
Lender b the contrsry MOM MM (80) days sher recelpl.
CUSTOMER INFORMATION: To e*rve cuatomere promptly and effl-
derhty, I~* affiliated companies share customer transaction and
experience Information through a central IIlomalbn system. The
Lender's affiliated companies share other Informs ri dreolly and
through a central database. N Borrower(s) does not want Me L•hder to
share 11118 kdormaion. Borrower may write to Leader N PNC Bark, P.O.
Box 88088, Pittsburgh, PA 15228. Be sure to Inck de,06 0)
name. address and account number
.
GENERAL WAIVER PROVISIONS: Borrower waives preserWesnt for
PAYm9M. demand, protest notice of protest, dishonor and all other
notion or demands In connection snit Me,davgry, acceptance, p•rfor-
move, default or enforcement of We Note. Borrower fwMar wolves
any right to require due dlogence N ookodon by Lenders.
DELAY IN ENFORCEMENT: Lender an delay entorci g any rights
under this Nob without being any .iglu. L.erder's fetiue b enfaoa any
fight under this Noe shin not ad as A wwalver of Mal right of preclude
Me exercise of that fight N the evert o f& krMxe oociarence of Me same
evert. Lander an also extend or defer On Mme allowed for maldnp pay-
ments of the request of any Borrower, and such exlenslon shall aot
affect Me Obligations of any Borrower. whether or not Mal Borrower is
given noios of Me exlensbn.
RELEASE OF SOME BORROWERS OR SOME SECURITY N Mare./i
more than am Borrower, each agrees to remain bond by this Note;
although Lender mayrelesse any Borrower Of release or substitute airy
Property which Is sme y for Me repayment of hits NOW.
PREPAYMENT Somower may repay. In kA or in pan, an arnaxt owed
ern 04 has N any Mme without penalty. N Borrower prepays the ban in
W. 604Tow4r agrees b continua to make regularly scheduled pay.
rents undl. all accounts due under Meals Nob are paid. N. two 18 more
brr.oM . Now of Me aanms
irises oMh9nwfe9 speeNltd Sonowet. wept s?wu be apProgram
plied to
bans In any orderdolenmined by Lender.
COSTS OF COLLECTION; M Borrower Is In delou t under Mis Now end
Lender On cult, of Was other adbn to coped of town or I , , «y
collateral. Bonpw« "pose b pay oats of sult end. N andMed by law,
!•"oabl• a11omoW fen ar4 erpenses.
.SECURITY INTEREST IN DEPOSITS; Thq Lendef may W-af any
aohoute dw and unpaid under Mate Note against hay at ponowees
money on dv"-wMh Lender. This Mckides any am" which 18 now
or may In to hose be I F, !aed wM1 Lander by Borrower or W& any
co-dePONtof. Including Sorrowef's spouse. This also Mldulea any prop-
erty: of . esaxilles or money at Me Borrow% whidn may at any isms
be delivered to or In to possession of Me Lander. This any be dace
WWWA any prior rh'", to Bonaec
NOTIFICATION TO LENDER: Bonowas agrees to nobly Me Lander
within lan (18) calendar days of any change in Bonowses novae or
address or Me anialli ei sbMrs or Me graduation dab of to Blades
Bofaower.
EFFECT OF PARTIAL WAWfry: Should any ofb proNNOr of this
No% be bit law at regulations. I? In whole or in purl, by any d" In spplics-
regulation, or be dedared If valid by once` ddca e or Mlde-
m
remaining hent a a a proMO Or ru w --tvmvtai egNey Of oomPOW MMlsdobn, Ma 01MIS Mob not
Provisions be 21110019d thereby, and Nob shall be ooalwd u N such Invalid ?
ed In this Nee of as N to now law or r p had were MIncorporated
terekh.
ASSIGNMENT: Borrower may act assign or otherwise transfer
Borrower's ftghie under 116 Note to anyone aaa. Lender may esN,
V0001K. Or
"Ncb oW? ofmrb i 1M Note WW Borrowees rights &W agat o liar order
will HEMS AND PERSONAL REPRESENTATIVES BOUND: The provisions
of this NOW shall be binding upon No Borrower, and Me heirs NW per.
somai fep(*wbtlves a ea Bofrowwr.
SUS MER CREDITHCONTRACT IS SUBJEC
THE DEBTO COULD ASSERT GAAIINST
THE SELLER OF GOODS ea BBNBpVIdrRf1
BY
be appltoabte to sts loan will be calculated Me same way u subse-
quent charges. and will be based on tiro kWex from We plendar quarler
poor b the data of Me tin AsbweemNK A change in ow interest role
may suss Me en OW of Me final pgrWd b clw)ge, may awe line
amount of Me nmft payments to Of". or may awe Me number
of - sale to awgs. The. MnNaNsa ow. (1) IN Ntbrnl
of IM *w p.ym m wN Mer bpi twla 11"'amow a 1N pre-
vious: symenl amount aft of the monft payment will
Mad. tso (i),b amourkrI(Montonglif ivB'aol;
.O WW. rive to an Interest into dwo. more afro a year;
W isnplh of Me Repayment Phase win' no micro than 15
Years, except Net be Repayment .hall may be with the
approval of the Lender, for not more Man two (2) years N afi sl rels
it--- slgripanNy krpaas Me Borrower s abMy b make Me rrlonlhly
CAPIT LIZATION OF INTEREST. During the Deferred Phase, the
Borrower Is not required to make payments. Jntwesl will accrue during
ties phase sari Me tender will ospltatlze unpaid accrued Interest al the
beginning of the Repayment Phase.
RULES APPLICABLE TO THE REPAYMENT PHASE: The following
rules are applicable 10 the Repayment Phase, whether or not the
Borrower has aimed to defer principal "or Interest during a Deterred
Phase.
(a) Payments wall be due monthly on Me same day of each month
as determined by the Lender. The first payment In the Repayment
Phase will be due approximately wkly (90), but not more Mae 0* (80)
days afar the star of Me Repayment Phase.
(b) The R•payrmra phase will be no moa Man fifteen (15) years.
(c) At Me option o (#w Lander. all ouWandkg Loans made under
the Program and payable to the Lender, which are than M the
Repayment Phase. may be combined and consolidated for Me purposes
afRepayment, a Me ant of Me Repayment Phase of arty Loan made
Program.
(d) The montiay payment due will fever be kit than Me greater of
Fifty "arm (:60.00) or Me amount of Interest expeoed to accrue
mwft at she Into Me payment Is being calculated.
(a) At the beginning of era Repayment Phase. Me tender will
cobA to she required p"ar-4.0f.prbdpal ww MNerea so ow owl
mai" payments will pay Ae outstanding balance and all accrued
Interest by it* end of to Repayment Phase.
(f) Each calendar year and (December 91). Lender will
•delaamke wheter it is necessary, b chaogs Me amount of on raw"
payment, based upon to then artslandrg balarca. Me amount of
lNtkMons sit f rth in she section vaWed'MtTEREST• bows. N
necessary, Me amours of In next monthly payment will change based
on am Lender's alaANbn of In amount necessary b pay Me out-
standing balance at Me Interest rate waidh will Men be in esed, so Mat
equal monthly I stalkne is will Pay she ouklandrg principal balance
and all accrued Itersa by Me and of Me RvWmwo Phan.
(g) Lender rosy, al No option, pert Borower a forbearance which
will suspend principal payments; In times of h ndsthi . Borrower apeas
not to claim such forbearance as a defense to Me repayment of Via
Laub. kterest Our aboxues shaAd be paid by to Borrower dukg Mhe
arancCee Period. Any unpaid Interest wY be capitaNZed at the hid of
folboaran LATE CHARGES: N a
payment or any portion of • payment
is not 'paid:
Mean (15) dayiAt is due dad. Borrower, agrees to pay a We
of Five Comm ($5.00) or an percent (5%) c(Mye erhtire payraz
was not paid b aunt. whaahever k 8!+•?w No irk dwigi win be
--due. however. N Me reason sad Me aymeia is WeA either. (a) aMbut
abea to a Ws chips asesaedon a polo payment; or (b) baaws, alto
default by Bonoww Me inure outstanding balance on Mai Nola la due.
. No moo Man one (1) kit charge will be Imposed for any single sidwd-
aed payment.
APPLICATION OF PAYMENTS: Leader will apply payments in Me ki-lowling order of
rin6 V a bipplca ?blsre?.pt his o e taama . be agree ofd at Me
Y -changed at Me
Option of Lender.
WAIVER BY LEADER: Lender wakes (gives up) any Apt to dales a
security interest In any of Me following property or orbw coklerai:
0--ves, ow anyone •ha's) F - ,oat damor g', any lawgkl.slow as
OW term le dtIThed by Rep /lien U.12 C.F.R. Pad 221; and 11o w
goods' as Mal b1m Is ds& In ReguiaNOa AA, 12 C.F.R. Part V.
INTEIIEST AFTER MATURfIY AND JUDGMENTS Unlsas prolnblb I by
applicable taw, Iffereel at Me tab provided In Mit Nob a1w1 cofne -00
scoria an Me unpaid bdwm uhB paid In kA, am alter (wI1IMter
oM?Ptafes) f11aIMNy; N rM amY NraN ea nab d INNMaFaby
pporvAdvillor i
paragraph Is not permitted by +siq kllereN
Nall, In Mat event and at Mho lime, scow al Ne 111ea ae fob Mowed by
applicable tan. The Inters of area which will apply baginni g on era date
a taw cull 18 Iliad by Leader OW be to 4 1 me fab In effsd an Mat data
or ON kaereN rate in eked when Mate NOW b executed. whw~ is
Iw.
DEFAULT. Borrower will be N dNNA
(a) N Borrower does not make any payment before or on b date it
1s dw; or
(b) N Borrower defsuits on any promise made In this Note or any
other note. ban or agreement with lender, or
(c) N Borrower has made any untrue statemerd or MiNapmaents-
Mot In Me asdl a F IN 11on or ray otter awlbete or dooxnoa
glen or mods kx Nis loon; or
(d) wort the death of Borrower or any ores of tom, N Moro is more
Man ace; of
(•) N Borrower provides Leader with fates I kirmlatim or forged
elgnaMMes al any ens; or
Is ? aWk1ai determination Mat Bofaowef or any ons of tem.
(g) N Lander In good tall h believes that Me prospect of Barowees
peft ft Noble' s -1 rte or
(h) N to BWdi t Solrowof tap b become eftois as at least a
hail ens sk dnM M ell ft, or
W N ell 8kart It thsoo take Is proms, at Me undoes request,
adpwb vafN18abn Of efN-1 at eaha; or
0 BorlON- tat b ueo era pmi c wo a M118 loan sowy br edwfr
MW aapefaes Of Ma Soudom Bomawar.
N Bore M M In risk* Ma snft ou18Wldrg bo litre on this Nola shin
bs krs1114ft yr dw. M Ns cplbn of Me Lander. This wB happen wfih-
1.Last Film 0 News to 2. fold sommty mm & Lost Awtowt f
c C.K te,t S-s-/s/9 "'^'""'d r7?TOp- _
s. Pwttwtwnt Sb" Ad&oft IN Mel Will be ewt howl Y. SbvMAddnes weds in ednol
cM I vl l I lrr a _... _ ZIP f 'U CRY atr' As Coda
T~om Number
L Dan at MM 7. Ddm*s Lbtsws ._ ...._., L 6ftt016 ew"d Pliod far ThN Aa Awft Them W b ocssd 12 marts .
611 /Y r 7. am" Of Natwta r ham 3 r 74 in / tl r D r v ? 2-q- /OTtt 9 9-3 weer) lwotihrY.at) _
S. Ness yW wK fttnwW on a PWwel fMbuL at wd o4hw edtaatlatd tan? 10. CW wwltlp StsbA: A. U.S. CbOout w Ndlonst f. (3Pawwwt Rssidwr or edwr slobs alien
fit ya. C"m doLVnaMaaon an amaw•t d" a yeti )I me w.r+u.s AMet LDA
Ii. Personal RsNrortow PfmAde 2 a" 1bNawNete Wtb M at b%o dNNtwr U.S. aftamese. Coo0wr an Yes esetrtol be Need as a reftwift
Linde Max tS -rcrat F
nw..) 7a ?( 7lt ZY?- 7,
1 e-a ti pe>i l 7 6G 3 un L : a.}et t?kc.? tAi
4 ee0e1 _. detaaaawt ....... .. re.r .?....e ?.. ..
it Nfma of coarw p.asL PUat. Nq._ to facial seouft ft. 14. Dab of fill t?twtlftt)
I& Pwmmwt M"" (StnsL Cft tlw. 2tpl 1f. TYNphan I t y. liana
fw +
1L M leas than 2 ya.. Pnrtar Adt im ObOoL Ct4L SWs, Zip) I p. ClKtwlfM l A U Y ar Walbtri --
SNbec S.IIPwn=wtRMldeltaralhwsltpblwdat
Iwrs.ru Men 1.0.1
20. Pm" Employer Nwwa and AditW Mk94 C&A 8N/e, Ztp) Attach Pay sib (eea b *U bM). 21. Wb* T4oplww 22. S"Y pro-FAnntat) 2L YOM Ttww
( ) f
24. Saxon 41AdaaonstbtartntAewwwataittppwtwswwsbtsaltertro+mrwwnerbwwrtlrpwArrtrscowYhowros,wsw4041 w. -
nrtaet/rsrbtrr.wM?c) 25
btoaen
f
20. Pafani PAMMO : fiwlde bw aittt twfiraftoss Ow beat eta dNe wt U.S. ddtwwsw The Stwft Bwmwwr an the lows eowtat be Nfed as A fahnnoa.
1.Natw 2. mom
Aadwa Addim
Cthr. 84". 21p - ?? tIp ( ) m sk*L; fp o-w Nor.( )
fbtmti so -of and Oc'- t- weamwtt 4bm ww mums Yw mu"m fwmw Dote, sat XMPOMW Nn cc,., w. By etpnbtp bttlow' Laeda a auks a bas In to lunar er 1,
annum npusdded b7 the faneJw draw ~ty l1n llMdtoel at IlisAppocaftm on Yn tuna duwNtad h In Nola. Berea w atimowM ntrd wts YMotmsllan set fdM it OwAppOtslion ant
PrewtNeay Nos and slat tM hbtnwdbn pmeldad N ttw and aeatrara. Batrotea staitoeNw LMxNr b tltsctt tine ae.rpw arwfk other ?tomtYlan mr wdodon the Appiceft , briudtq but rot
Ntttled b obua+bq a tpott "M IN noasre npwlkp etpatoX fatowa atalwti:se taetdw tb waatar ptttaMaw abort Letdsrs cock dettoe t1Nh pattotear ww l biotntwNott ooetownbtp Qoftwtear>e
ben to aofwwtwr naairtp apwtalu all awwpwawn Ow an Np "ntrwWe Ack bt MMMOaL tl OW Mills IM Owlrowsr N not h 4181114111 aA WW oJllgaaee tondo to eNA- doll
b burOM to procwWw of die Lem to 1* 94W I Wpb N ttw tnwm ptalwtai br go SdaoL Nooses wularsewde #W Soawwir'mq aw toms of the Nob In acoaedalta
11110
wlh to -Mm fanawer Arvee Is the TWM at Yp LpW kt Rip PtwAam Nall. each Sovwwr "wdaww Ynt M dpnhsa of tln albef 9a11vweer pwnMn4
C -$IWW.. Revd V w Nohow lb Codlaln at pla ptwimw Pepe. Any farmer who ls dwelpw i 'as a CD4111pw apwee to be "my ?!"tw';'•:,,'`'I' wWi 4 ofwr famevww for On paymwa d a" tan and ft pea
Nnwatae of an proarw h to Now
r: ,' •?. _ ?.!4
shoo tlny haw rod to Atp ks" ad Pnflisewy NG%k ltdta11 ft *AV CO Me twbwna aide.
Ibedett llatmm Daft
m'
Shi enebur Universit 3L We 3d" C, di Ok
y .... . 003326 'e (717 477-1131
2L fkwd Aftwo 34Calof Altadaca W. fw.
ONbtnwtwttAattttxtNsnd OaM(e) QtAdM
1871 Old Main Drive.. . s 11 a 550
.fto _
MY eau. 3l.FsYtttwOeel?Tttw,dstAld '"3750 r a*$3750 I.
3hi enebur PA 17257 s 3,500 pp 91/99 149100
2L Loan Pa1W lnvwo -- . _ • • ..-.._-.__. 3L CaNINa toawAttUNtt . ores
pan: 8/23L99 Tit 5 5 00
m
7,500
3m am* Level 37. Yahoel c tNtbeetlltr tweby tally to tin ferdot am OWN n.awd an V* N kl" for snobnfr an at b" 4 b*-Vxw
Z taW b ° wafictbty M ¦ ptepam dewmbwd lobe eNglw for Yee Wort k"W om* Yew AINd h
31. EtwoNwwrr SMA 10Mtlc an) to APPk+eflon is buel waFttNe std woPt3tftit !M? bwR d all a is
Eatww'e Mltr amolxtt
]wA llme 0 At 6aaet titlf.Ttnn tttwdda wo ftt +°y sMotare>rwtteNr JUsw to ft
22. ArAco ied OMO"m Wa&mftt) 010 yhNdly) ;T . 1' - 1i t
i w dill rnl Ytwtattwd o 7? Altle. wDirector .?.
YY1110DDC711xi: fy pepadtp Ills ibwttY =7
n4eeeN M*. f. I aaele' I Now taawwya ntrwtw 4tta Lent ad de61r7Id
?eaw?r pwbr do aurpaea Nhttrrq k?f?tidby - ft oalNby M tkAtoet wtr wi tln Nato deaaMnt in Ilw Neiadi?7P _ iilMbiiff iiTT Mn Not std Y Cte Oalwar 14s
Iatder tlw Latldefl ReeeeaawLaaw Plwfpta t'1P1wOtats') N We Lando Yie Nnle ?• an tenon or Yes Wan we a Yale /test at to N
VITIES: In WIs Nolo and to above Application, t word 'Bormwor
raw each and d d tha• who sign above. TNhee 'Sbdenl Borrower' Is 11116 LOM IS beg MOO 10 l1rionce.
mrowoms who epre,• Mina of INS Note will Nablei AN
d far Nut IyA MWO of IM Loan. The word 'L~ means
ink Nalorel Aawdaftri. or arryy?holds(or person b when site
Ira Iw loses ItMilslorrop, The WOM'Bdear mew an som illd Co1-
N or wthwdy whloh is paticlpaling In the Program.
FWIA Dt/NIITIONB: `Cspltatize' or 'ca0IdzsuOn* means tk at
e line IPsaMed, soon ed w unpsW IMemot Is added to bl oubland.
N I ' "llsl Italarhoe Of tits Loan, and thereafter kteme will *=us on
e now pArrolpal balance, Including the oapllalized Interest.
'Da nW Phom' moans M Phew of the Loan during which the
ymat Of hens and« Principal N not required. The Deterred phase
1 months tM 'gr?sa?t ? Loan is disbursed and will Wimill a six
10 M dale of the fir par" after she earliest of: (1) pve (51 yeas
dabunement of 1st list loan to she BNIOen1
rawer under on PRwam; (2) the dale Me Student Borrower gsdu-
M from IN course of Study W wtaoh be Loan Is made: (3) Ow dale
on lie Skid•w Borrower Is no longer attending School all least on a
t-Ime enrolment alus and making satisfactory progress toward a
"(as aNmWhed by ft School). Provided however, that medical
atent• may extend the Deferred Phase for an additional period of erne
1 b sao•d Ores and oru-half (3.1/2) years while participating In an
emMhlp «seldency which Is required by tear Wd of acct'. t the
uesn steroid( provides pros of such participation to Lander a woh
w OW in Such mover and fain reasonably requited by Lander.
lhepastmaNt Phase' mew Ms phase of to Loan 6" aAtoh
element lfia wqukd. The Repayment Phase begins Immediately upon
r brfrihoda a Oe D•Iared Prove.
I LandaWM dew d Dkdovjm* as to dlocican slaws" that the Soffo~ Par to or with to pal dlabune-
tr P? by facleml proceeds, will describe araM aihrse of MN Loan
)W BORROWER AGREES TO THE TERMS OF THIS LOAN: M
adder eppraes to tlonewurs requea for Isis Loch, Lander will notify
1111"Of bh,wrMnp. With rosim l to each disbursement Of 6ow.11,10-
o ft bir a doskq • check g1tCh dbbunes arch proceeds of by, with-
I objection ~ 60 days. otherwise pemhaing ft proaede b be
d by or on behalf of the Student Borrower, Borrower, each Indviduel-
ON ?. earsim b repay thol debureamarr and all
as dkbUMIMNO proceeds of this Lam and agrees to M Ne
m and; i, ' se In this Note.
IBUR964INT OF LOAN PROCEEDS: lite Loan proceeds will be
bum" at am or ass installments, as scommodd by to Scow
d MMmhN•d by On Larder. WsausemeMS may be made by a
sat 0 a1 6Is 1** b fu Student Borrower and the Sled, by duck
Nab stet' b the School or by sbdmnk* tan•riftV ands dlw illy
go Shod for and on behalf of On Swan Borrower. Borrower
l adesm In 84 hod to slun any po11cn of the proceeds tut ONDOO&
necessary Pay of adwl coda of attendance (ass pun-
a ena shw im b mason of ?ymort, withdrawal, ealy bmtna-
sOnPalmh I d lei Oro#Ww1ss.'dm*Io Lender, b be berthed as a par-
IMIOWERIB PRIOMISE TO PAY: arrcwer promises to spay sits
m to lianden soc"rig b the Wins d it" Nall. Borrower promises
enpay t.tf h*M "M01 10140 44 dNWgaed b of Oft behalf of
ataeesS flea ada•a on line -paid pdntobd balance at to Val"
sinter rib Idnabid in lei Nola Bsrroarer"aifd wideosards'
a NN aMawl stitch Is negate nwmIng Ie Defemred Phase WWW any
w or Isrpwaha pd*$ will be ahpbwbn ; Borrower pnanaseb to
r 49 atppdwd inlers4'wwt intaea oq tee ceppo4tjW wgW(In_
7eldarhoe tsWh 1st I•nas of sits Nina. Borawer promised to make
Ow Pshymhent on or bales M date eta N Is due, and b pay Y oNwr
Ono 11141111111 1 arms due wNler limn taw d lids Nob. indudmhg. N
00dA16 Iasi dfagie and Coils at d 6odion. Box offer promises b
Its b Pelmhehts at M pate orb mall M pa0r0 b tw. address
d M to dar from Wmi to IMw. The ISMws of a Borrower to
more oNksr tdohpahyistllc era vmval l awe nit emows 1st
??h m!oai ynwMs acod lib to Nisi Nold ' On Ilia
Is IW
IrWallimst of prl o*d becomes due under M lemur
N0N' 8arvewf
"T @46 b sYO PM lily other accrued and
MhO ame!ete. blowataasl, bit ahwgee and ohher alnshmt•.
MU4 0M FEE- Bonswa epees b pay Nov edgkislon fee - I I - -
erttea t? harm be w be onto( a% or 7% of the
apps _ and _aaor. N ew aapon ncrb of f cmdlt Nw Ladder The
r-Im me wNl me doducled Mass each 4110buslo at of Lan pro-
?. Ito peraw"ge and amount of Nov origir"on
R b ! war mepail of Mw Tmslh tn.l.?tt71110 fSSb g
naaraomdNbN. M all or say PolOah of
no Portion at to afpllhalon lies will be Mktded.
' MPMt SON" b Pte Ntena at do princwa amount Of
proosexle we debursed w* to b Pad In full. IrtasNwill be oalculalsd as described In w t
Oft sec.
L
14 Interest will be calculated on a ditty basis. according to to out-
mong is oq Mob file balience each day of the Loan Wm The W"M asismatt ram in ~ on tta ? col
wumbeeadays In Imoaadn day, divided by
&
NMI N abmdated on. daily Maas, late ki. le pllyMattleMS will will "re ft moult moult in b000411110
addl-
lit NN NN a= dwpeda lam cMrtel; ar1Y aYmema Will
@) I%' Its rate forthfi ran Nwy ohwpe awWy on the Am
f 4 thLVn I y'lhApril,
imb TA babe sun awlew 10 Borrowe r f es OW NN
)turd by LIN. Do WoM We will bs dsbffl od POW b Math kMar-
r i lls dwillis deft by stilling, &AM kMe ell of ter 4 a ax Margin of sm percentage Points to
The 1 o- 9 raw Index Iii be wed
? Nt at IS m rate11W changs «N.n 41 to want vie walo o own tie pat t.LfAo sty a..ah
ft dYIM lim low aala r g1aMC 1st T-81A RNs' N t W-W
IN FMORiiMNfMira wale Uftd
lit 1 w alaroaf R ? Num KMil IS IG) wrAkhsd
er to
L" K tube nNa?On b1daN wh loh N aa?nOt.N no bins( ble, in 411111 hey 4*19 M Mar* ao 1111111 M in . MN
- MMwl #a N
Wshtgt An 1 bN0 in N_ t -pasivaph. TM I - ab will
% Per YM? 1hraMafMf tae welch will middy
be applicable b 00 Loan WE be algAated this owns way as subse-
quM1 changes. and will be based on t index korm she Calendar quails(
Pilo! tot date of t Ant dINKnemsnl. A Change in t In ismot late
may awe Ih• amount oft *W p.ymerd to of"ge, am sites as
amount of lie monthly payments to or may awe on nLwA r
oll'M r-lis b chsngs. Tho.W Noe'lgfjly: (1) lie amount
of t Ana psymeint will n elver 00 Milos t wonount of No pm-
vbus., yment amount' 2) the of the Monthly payment will
ep-wt,. 011111,11 $1101. ($).t arnowllgl lie 1411114101:
amps, cut b all MNemol ratemon a year,
sold (4) ale length of the R•pa Proves wAle" no more Ihan 15
years, except that lie Repayment a may be xte d, with lie
approval of the Lender, for not mom then lwo (2) yeah N an Amtenet late
Increase significantly impacto lie Bomomea ability to make the monthly
CAPPITALIZATION OF INTEREST, During the Deferpd Phase, the
Borrower Is not required to make payments. Interest will aocnre during
INS phase and the ands( will O"NaNze unpaid accrued Interssl at the
begkmning of the Repayment Phase.
RULES APPLICABLE TO THE REPAYMENT PHASE: The following
rules are applicable to the Repayment Phase, whether or not the
Borrower has elected to defer principal and/or Interest during a Deferred
Phase.
(a) Payments will be due monhly on the same day of each month
as determined by the Lender. The Nat payment In the Repayment
Phase will be due approxNnis" thirty, (30), but not more than sixty (60)
aye after the slam of lie Repsymord Phase.
(b) The Repayrn•tt Phase will be no more lien ANeen (16) yeas.
(c) At the oPOofh a the Lender, all Outstanding loans made under
the Program and payable to the Lender, which are then In the
Repayment Phase, may be combined and consolidated for lie purposes
not A i y ? nt, at Ne star of go Repayment Phase of any Lan mate
Progress.
(d) The m onihly payrnart due will now be lea than lie greater of
Filly Dotal ($50.00) or 1st amount of Interval expected to socrue
monthly at the lime she payment Is being alcr haled.
(e) At 1st beginning d the Repayment Phase, she, Lender will
atoylsy we required p4ymseq.ol pdodpa and Interest so dust equal
mri i ty payments will pay Ike «Asandhhg balance and all accrued
kterest by M and of 1st Repayment Phase.
(f) Each calendar year and (December 31). Lancet will
-determine whiter it Is necessary to dings On amount of lie montfay
psymeK based upon Nov then Outstanding batanop, lie amount of
accrued Interest. N any, and any Change in lie Interest rate, subject to
the limitations es1 forth In 1hs section •n1Wd'INTEREST' above. N
necessary, the amour of she next monthly payment will Change based
On the Undoes alatation of the nnorxt neoeassry, b pay the ten.
MatdInp balance at lie kte rod rate which Will then be In elfeck so shot
equal m-ahly InataWn•nts will pay the outstanding pnIncipal balance
and all accrued khbrest by the end of In R•psyrrmif Phase.
(g) Lander may, at its option, grant Borrower a orbearance which
will suspend princes PaYmmits In times of hardship. Bonower agrees
not to claim arch forbearance as a defense lo am repayment of INS
Loan. Interest rite obcruse should be paid by Oe Sovoww during ft
forbearance period. Any unpaid Interest will be Capitalized at the std of
forbearance period.
LATE CHARGES: N a i
Peyhmrt or any portion of a payment Is nor yard
Stem (15) ayd At No due data. Borrower agrees b pay a 1410
S .of Five Dollars ($5.00) - pve psrom (SV Otto entire payment
wail ncl paid in44 wlac mw iersater. No left 4Wgi wB tie
..due, however, I the mason that lie paymant IS late IS ~. (a) atbbtt-
abfe to p less dWp aees•secon a pnor psyrwt; or ft because, after
dal" by Borrower, the sinks outstandknp baleihce en sits Noll ledue.
No mos Nun one (1) ate dwgp will be Imposed for any single iced.
teed payment,
APPLICATION OF PAYMENTS: Lander will apply payine as In the M-
owing order of prl«fty: Interest. prinolpaL late Charges. and.lees. .
Unless prohbited by applicable law. 1MS ads( may be 4Vanped at the
option of Lander
.
WAIVER BY LENDER: Lender waives (gim up) any ¢ghht to CFWM a
s*Ouxfty Sorroweret(- interest oIse's)
In any of 1 5 1hopaloln p ddnaft any V-91ii 'sloW as
l al lerin N dsIrhd by Aegulaacn-U.12 C.F.R. Pod 221; and lmmoteld
BCOde' M tier letrm N depthed In Regdadon AA, 14 C.F.R. Fall V.
INTEREST AFTER MATURITY AND JUDGMENT: Ur I p -1 Rifled by
"PNOM4 ism atasat N lie rue provided in Nov Nae"M*Qe to
by
wcoeNraton Of WWWI e) NWAN. N M In full, suet( alter
provided for brttrpapreph Is not pemd any IM ft Mb 0 (wlhsNwr by applialik liim YN•t a
shard In tel event and at the Wile, aoaue at No highest rat all, wod by
applicable low The Interest raw which will apply bilgirw&V an 16 dels,
s IswertN Ned Lander slid be the 0go a no In ~ on tier dale
or the int•rsei ate In eflect when its Note Is executed, whichever N
less.
DEFAULT. Bonowet WE be In aluk-
(a) N SorrowSr doss not make any payment belon or on the date N
Is due; or
(b) N Borrower dolsuas an any promise made in ft Nob or any
other nom, loan or ape•mamt with Lander; of
(o) N Borrower has made ay unbw statement or Misrepresents-
Non in l ho crsdlt appNation or any Oyer oemtpoaie or document
gi ml or made for ft bar or
(d) upon to death of Borrower or any one of Iom, N Own Is more
Ian ale; or
(o) N Bolrower pmvldes Larder with hies NN-nation or binged
egnsamoe N any tmle; or
Is Ana )W11116161 doWrnaaaon Olen Borrow, or any one of twin,
(g) t Lender in good ISM believes lima the prospect of Borrower's
paying the Noe l o b IF -1 or
to N to BbdW 8arower bb b become amolled se at tests a
hail-Mine eltrdod a t 8deck or
(Q N t 8asdnd k ica- falls b provide, att Lender o meguet
adogtWO vaNlodot?a «aoArmat date; et
Q No 01 4 Nov b we to pnoaeAe of INM oath seat' for oduoa-
taw ettpateee of f'wderst Somowet.
N Borrower N in dsb^ t onWN oualamd" balance on Oft NOB do
be intmMlaip* dus. N t option of t Larder. TTta wit happen wW
out any prior notice
nguird by law. to Borrower, or right to cure, except n may be
Borrower will also be in dehuft
N N Borrower beconl•e Insolvent and/or armor pay Borrower-$
debts as ley become due: or
m N any other cmdlW tike bylegsi proses b eke •ny money or
pfoww of BOrrovia in Ile LemWss'a Possession; or
(m) N Borrower Nlee a banaupoy Petition «N anyone Nan an
kwokttay btu iploy against Borrower, or
(n) N Borrower makes an moWwMM or the,bom(ft of orodliM. or
any Insolvency, r orpantzadM amnng•mmnk dsW aqugimerit, ncolvef.
MO. kuelsoft, tgltddon or oiler legal cr #WAW s
proceedings ere
Instituted by or against Borrower, or
(o) N any MWIlent, ax Non, Munialpal charge Of tax levy Is flied or
writ of exeowlorh Is Issued against Borrower.
N any even described In (k), (Q. (m), (n) or (o) happens. the snare out.
$lending balance on No Note shall be Immediately due without any pd,
notice b Borrower, or right b cure, except as may be required by law. A
default by Borrower on this Nola Is a default on every other sae, loan cr
agreement of Borrower with Lender.
BILLING STATEMENTS: If Lender chooses to send Periodic billing
that the Information pcontained ton then staof the Loan, tement will &gress
aaePtd by the Borrower and true unless the Borrower notNles to
Lender 10 M contrary within sixty (eo) days after recelpL
CUSTOMER INFORMATION: To serve customers promptly and 00
teensy. Lenders &Notd Companies share customer kaewpon and
experience Information through a central Information system. The
Lender's affiliated Companies share other Information dkeolly and
th
81-0 rough a 09111101 database. N Borrower(@) doss not was the Lender to
B e96 111 Pittsburgh. Borrower may write b La der at PNC Bank, P.O.
PA 16229. Be sure to Include Jwrawor(s)
name. addrea and account number.
GENERAL WAIVER PROVISIONS: Borrower waives pres rot sent 1«
Payment. demand, protest, notice Of protest. dishonor and at other
noNaa or demands in connection wish t.davary, acceptance, perfor-
mance. default Or enforcement of Its Note. Borrower further waives
any right to require due diligence in ootecton by Lender.
DELAY IN ENFORCEMENT. Lender an delay eMorcing any nght$
under this NOW without losing any ntglts. Lanai's fallure 10 er 1, oe any
right under this Note shat not ad as a waiver of that right Of preclude
she exodss of that right lit to event of a ones oocivair" O (ft same
event. Lander an also extend of aid she lime slowed for mating pay.
menu at No squeal of any Bortower. and Such extension still not
ONect the obtpdons of any Borrower. whether or nor that Borrower is
given nolloe of the extension.
RELEASE OF SOME BORROWERS OR SOME SECURITY: N Mme tit
more than one Borrower, each agrees to remain bound by this Note,
asMugh Lander may'relsase any 8onower or release or subs fkte any
property which Is security for ow repaymem of tits NOW.
Pf9EPAYLI,ENT Borrower may repay, in hi or In part, am anwxs owed
ch fide Nola at any pine without Penalty. N SoROww prepays M loan In
Part. Borrower agrees to Continue to make regularly scheduled pay.
ownus wALM amounts due Is mom
Now l. 1st' Mile 'PscMed by O W older to p
PnePaym ids will be applied b
loam In any order delamined by Lender.
COSTS OF COL
orrower is in
Old
K 011011 V^ d W- 61h r B
cson to oW?d t under NOW d env
ceA•teal, 8or9wer apses b Pay Oita Of sat end. N peankled by law,
!otsonable aNOm rvs' let aid aogenses.
.SEOURITY INTEREST IN DEPOSITS; Tht Lender may asap any
amounts due and unpald under its Nolo agaIna any of Bomowees
money on depoelfwIth Lander. This Ikcbrdes any mllaley Mich Is flow
or nay In t kdlts be dspoow with Larder by Bono•rer or "nth any
004`130411of. Including SOMP- r t spouse. This also Includes any prop-
". credits. secrxgas - money of ft Borrower, sit Od may at any Mme
be ddNemed b or In the Possession d Iw Lender. Tits nay be done
wWeut sny Ptor w ml b Bonowec
NOTIFICATION TO LENDER: Borrower apnee b no* t Lads(
w" Ion (10) calendar days of any Nampo in Sorroww% clew or
sddises Of the amolmat Sawa of to ptaduaapt dale of t 8krde t
Somower.
EFFECT OF PARTIAL INVALIDM: Should any of she proviold e of this
Noll be mnd•nd kwW in whole Of in part, by any, clangs In applies.
ble law or leguddons, or be declared awdd by order eacr s or Mill.
men of • rxxtl Of gaveftwlenta agawy a Competent ANbdb % 8le
remaining Pf"Islono of rte NOW deli nor be ahead twreby, and its
Note dW be Construed as N such Invdd provisions had not be" kwed.
d In Its NOW Of as N t new law - regvtsdow was incorporated
therein.
ASSIGNMENT: Borrower may not assign or otherwise transfer
Borrower's "" char 11110 Not* b anyone else. Lander may s•N,
NNIs N. of IRM oowlinuee NOW and rS mighte and abApatore under will unchanged.
HEIRS AND PERSONAL REPRESENTATIVES BOUND: The provisions
of Ors Nom aid be Mndrp upon in Bomomw, and t hake and pars
aomhal repneortatives a t Barone(.
CON-
SUMER-CREDIT HCO OLNTRACT 18 SUBJECT
THE DEBTO COULD ADEFENSES SSERT A AAINST
THE SELLER OF GOODS OR SERVICES
08TAiNEO WITH THE PROCEEDS HEREOF. DEBTOR
SHALL NOT HEREUNDER AAMOU? PAID YB
THE DEBTOR HEREUNDER.
Resource Loan..-Application PNCB K
kALo- -Oh-, L
... .. ,.-. .,.....v. r
.t
emporaryscrvoor Addreee
q$
F
I
ti phone 0
rom
To T
qI
10
0. Permanent Addrese to, 9tnet Notts. City. Stan. ZIP) 7. Photo R & Years There D. Birth Days (MI W"
-71
10. N Lea Then 2yrs - Previous Addrsaa-W Street N . City, State. DP) 117 aen There 12. Drivers 1.1co es / 3 Stow
2y- log-S39f !n°,?"
17. Present Employer, Name II Address is. Foam" 1b. lary ftinesr 10. !hots i 17. Yesn Ther e
Wa.?•.?? . ._ - ..=•:.• r?lcs ?lc? Y ?? 1y1-bxoi /'/j.
;111. M Leas Than 2yra - Ptwlous ante Addfw
7
? iA O M Poshlon a `M.NKREU?C?EA
A
•
Uwn
Q P1t J( Lur?9?IJ jU }q
21. Alimony, ohW support or •e{tetaol need not be f led If vull do not ' v4 sh to have 4 considered as a hub )s I oWig¦0on 22. Amount Per Month ..
Alimony, child support, separate maintemnw received under ? Case order ? written Agreenrene
iZL Sourca(s) of Other Income
25. U.S. Citizen States (sea t
! ® A. US. Citimn
? B. Non-C)tf=ea M"
26, if eligible, do you vrant to dally prGWp@ payments on this loon?. lose
InKnAC&MO
(? Yes ? No -,) zi_ ..W:=: - - .. _..
27. References: Provide refererrttAt'dil 1Iw a'1"3IM font U.S. ed*.& r( 'oil thleloana
an
not be Noted a•
a n?•rs;iq.
Name 1. ?
/
^
Address 100
city. state. ZIP [?I'?f tl?. /?.? / 7o G ; Phone r f.7 :) 6 d '1 t r Vt? e d U-1 A a . / 'o t y there r GAP &7- C
mom
Co-Maker 1 e Z
Name . .
Security umber a O"M-
•.,
/ 22. al ty Number q
91. ar w-nt (a, Stye
tats. Zjp&p
honal
91. Permanent Address (s, Sb*u Name, city, steM Zip 6 )
' nets can ..
32. If less than 2 yrs. - Pr yre - t; StnWt arts. CW, State, an
Mn There Yean n "
99. present ployef (Name
3& Prwoont Em cyst ¦ rw
sera • eves lime
34, it on ry (G 3, Position & Salary ( orrlh)
$ lretdnth $ /ratortt6
one N ne a
38 se than 2 yn_ - Previous asl 31L If s" than yrs. - us some s*
sera
37.
Position 37. Posidon
,..
98/11Mnotty. child support or ¦eyat7lp rfrldltbnstnp read not be nwaled V 'You do
not vNeh to have it Considered as a bash for rap¦ylng this obligation: 311.Al(mony, child support or seperrto mdtr[irettce need eat be revealed i<you do
not wish to haw it Mnsldarad o a ba•k.lor repaying this obNpaflorr,
Received Under: Mount Resolved Under: A
? c«fn Oder ? writtevt Agtsea,e ? that u?aef,nndmg s rteurrt
? court ofd- p wfinert *vemem ? or¦f undwttdl-g s
Sounce(s) of r income _ o neortta
?S hn«oreth ' I of
¦ Other Wzme Amcunt r Income
. en Ste" (see Instrumdow --DR.
A. U.S. Cuisert ?a
iv
i $ /month
A. n swi-M-00-0-ii en
.
oft t
aen
? A. U.S. Citizen ? L
Non-Citiam
Address of naenst n tto( ybu .
0& Rome OLAGOPISM Of nOMW MMOO not IVkq RE you
M Phone 0
hip 43. Phone 0 Ralawaw
wt randiRg Debts gist AU obligations induding inataamettt WM tnot[gagrs, credit WdS, Ubility to pay ilimony. child mppan em Pima ilaxpwr .
sheet if necessary) ••
Creditor Type oQ Debt
or Account Name(s) In Which Original
Loan Present Monthly Debt of! Which
Number Account Is Cached Amount Balance Payinent Applicant
Landlord or po r
? Rent ? Mortgage value
13 Boaorrer
? Co-Maker 1
CoMaker 2
Automobtla era ® Borrower _
1¢c
ra
ovv
ono
-7
IV2/0 makelr
? Co- I
, -ba
Borrower
t/,Seer, /? ,
Crtdi l 4 Aea#'h+r 1,0,00
Iy
o.so ? Co 2-- --
Co-Maker 4
Dorrmler
? co-maker I
Co-Maker s
? Co-lafalcs r1
Co-hfakw.2
Additional . : .
45. Have you ever defaulted on a student loan? 0 Yes ® No Borrower :0-matter 1 13 Co-Maker 2
48. Are you a co-mAcr, endorser. or guarantor on any loan or conuact?
? Yes 2g NO
ff which
Borrower
am
Co-h?[aker I Co-Maier 2
T
47. Are there any ansadsfiaf judgements against you? [] Yes ® No
W-
Bor"Wer
-
Co-Maker 1 Co-lrfa4et.4 .
48. Have you been declared bankrupt•ia the last 7 years? ? Yes E3 No
J, ? vAtIch Pp
Borrower an
C Aftker 1 Co-hllarwr 2
D
.
Everything that Uwe have stawA iq th xppiicatiai is correct to the bet of my/our knowledge. I/we understand dwyou will retain this application Whether
not it is approved. PNC.Baok. or its agent. is authorised to died rtq'lour credit and employment history and to answer questions about your credit
with me
Uwe a
thori
les
e
o
f
h
i
co
i
i
z
r
.
u
y
u
t
am
n
ormat
on conta
ned in this application with the xhool named In Section E- I/we understand that knowingly
a Use credit application wank tes a federal offense. Uwe further certify that L%ve have tread the informadon included with this Application and Are underim
mylour responsibilities. The Federal Equal Credit OpportunityAce prohibits creditors from disc imir ating agaimt credit applicants on the basis of rats" mk
religion, national origin, set. marital status, a$e (provided drat the applicant has the capacity to enter into a binding contracts because all or part of d
'
applk-ant
s income derives fbm any public assistance program. or because the applicant has is good faith exercised any right trader the Consµmec Cris
Protection Ace. The federal agency that administers compliance with this law concerning this credit is: Comptroller of the Currency, Consumer AMdm Divido
Washington. D.G 40.218.
Studarrt 8 r Oats
Co-Mater I Dab
Co-Maker 2 pm
41. To whom should tAlinp Irdormadmi be seta?
® Student Bmower ? Co-Maker 1 ? C',,xRka 2
•• Certification: ofticiat ..
t+tl. 1 Name, Addnasdr Ptlorta umber 51.
n 18 1 1 ensbur PA '17257.(717) 532-1131 -003326
.
52.
53. Enrownerit re rnda U 14 nrotlrswnt ua
1 From 8/98
To 5/'99 Ja Fulltime ? Halftime Q Len dam IIaU time 5 30 01
S0. t O nCa - _. __... S7. an AffloUnt
f
f 11408 = 2625 - $ 7500
pieced tretgt
1 _
I
st - s 17Sn SITS 1 9a end-s 37;n . 1 / 5 / 99 Sid - i t-.-. .
.r ..
DO. ethos c.eruioaron A. 2a. atanoriaed school ollidat, hereby certify on behalf of the school that the student bodicased in the "Soadene section. Js acngsaed 6
enrollment. 1 further certify. that haled upon records available at this school, the borrower is not in defauk on any loan used For educational purposes. and th
the information per rlded in tbe,'Sr lwW section is true and accurate. to the bat of my VwwWgc.
J. D'Annibale Die Fin Aid 1 9/11/98
Yes ? No Is 4% or 796
PNC BANK RESOURCE LOAN NOTE (Deferred Payment) l f\l.)))71li1NK
Name of Studw* Heather L.. Eckley socraiseeur+ty a- 1 _58=1519 - ---' '
PrMdpalAmohmt: $75'[7(7 0.0_ __.. Date: 10/19/98
INtat Interest Rata: B,,.IIBItfrl - Fee
Currant Rate Index: q _ -9 1 % per annum
Margin: 3.15 Percentage points
A SOPMm OMe I ¦rt hat been gown to you and Is part of this Agreerrmt.
DEFINITIONS: M Oft Note. the word 'Borrower' means and all of those Pay.. mus. Inl¦raai fat aac:nres an Fhb loan will be added to tai phindpal
_ as
who sign below. -? *^•?^-< < - _ - = at we bw (doiNn:Nt) at tits tune at Fhb ben begin to to
The word 'Lee xW means PNC Be* National Assocklim or arty Iron for e13 Interest paymertfa fAve not beert'prahaus r psdd. Accnad tnmlbM M ds0
whom this Note has been means iba ep1G zMtr?_ :: ' _q? aptatzed when repayrmd raharras, suer a &OPWslon, dsfsnnom ot
-
Resource Loan Program. The wad Swdarr meann a person, named WwoK'1br fabesrana, as provided under fiepayrrsrht below.
whose b ofw* fhb ban Is mNACnt 10m is ovoll d at an Eligible EdLvdoralt FIEPAYMENT:
InNUion. The ward'ENgibb'E mseirid an aoa?fs
as university participating h Laati& Peb&artL The tens stso In es, will) - _ -:: - Pill and Intereet will begin ax months alter the Studeid
respect to any ezbak+o k?an, K ftti Stl/MUMfst>t to anoit>d ached, an ?p?' ppases to be enrdled ? as ? a bent-tlmp sb?ertt at an ENgNtls Ed?anB
tlan of at?lghsr educa9at arasl toAtt underTNfe N of ltte Hf?Itsr Edu?i '-...°.'?.. inatl4rNon. .. _. _ .
arrharhded, and is ngWatlors. szaton' orapinNZSd? ?p
rrheara stn t a nt. deli yell ygvs+d intarsst is adaeefat mr-- yt aooorrJenoa well; oelm rt b endaoor d to '.
O?tfiRndbhg pMdpal Farris w ttar.brmclftrlAilctl prtereet wi oDndtau ID_ - Borrower by Lender in tf to Rapirrtterit schedule and
PURPOSE TM purpose of tdi ioiri is Flo rrduCatiorh foam aabtartoi ~ - rttatlad by Lerhdsr Datortf HgI IC!_iltel Pal . whelltar la tta Itlflia(,OE -
?g???rtt .reps ... want actsdtla hei be asicu(eNed to oc -
undar the for yradusls sksknb. HIG?Y 'Tor amuarrnnn
erflorr h a two Program edNN be detNlrNltlq 8ta Lender fnan throe to tma k11t1 ""___iW Son owers repsynstol k illil a for a Student will Inckide ore ben brthe
sale diaereYDn. Ths Sirtlsnt mtnt be enrdbd as at least abent-tlme asrdetllt, as Sludent ngde to, ttw same gonoyh* urdor the Pmamn m r e rmpwpywd
dstarmkhed by tthe peace of she iBlglble tadlrwlbrhal lrtatlhalon Calculation 1D.ft extent possible.
DISliURBEtNENT OF LOAN PRQCE®9; Tfrlbibh proceeds met be adwarf7tf In (d) The npayrrh M lxrsled for Fhb Nde b t and by the Larder beghft witr the
hull b thrN rnWNtrhertea wllfh the lief krsgWtteM bNrp arlvattaW n0 sooner Quart date an which repaymnrt of prktdpof end tKeresl be" and will be a*amd after
[0 days prior b she Of 0 aatJO pArlod for rrlddr the ban Is tiblde, _... - _ _ _ period of Suspension or determent sa described txrlorv In wry IvL
The nmsrhber, amastt. acrd ikr p ? sect aeee an roconaaertdsd by the ?e?rp:
?
Elloba ducted from l IrtetlltAbtr qtly EY9NdttMNlL ender. The a? Nor' Qaiffaii .. -f? ,?,? ,
be deducted From the IDen pltxaradn. from each Manbif."" --P-r+!r °p ? --
Such advances maybe ms4a SIMck yabl e J b under rtha bir Student and the hrderd-` Ceres (hart St8?00 120 recce
the puurposao?? the aoaotart urdeustartds tbitf 815.000 or more, :.... ...--trio months _
trier exceeels ds M nth" may return any portion of it* ban propratiy -- its Maximum Repayrnont Ported shall eiooty unless In minirreum arnrwl paiyiihord Elig
ible aft) ex e N to our duds ?tts costs yd atmndence peas trhaert:W world read b a shorter V
-1- 1 . If Is uxp&KW for a reason
wh b twos d ohrrTpayrnrsr?,• hrdcatad In su or) below, the Rep""" period W f bA_
early termination of .raownert y the lsrhder to tea ftsremrd aderided by the od o tta wapanetoe
as a verbal Prepayrtmerht of #a loma[r, ¦) In A*Mion to sloe above deeaiptort of how the tepayrrignt afiedule wi be
BORROWER'S PROMISE TO PAY: lb reM this ban. Borrower prondses ID pay ttabtlated, csnges b the interest tr#te may cause the ama"of ifta tr ontdy
b Lender the Findpot Q Dunn On fodb al a Foie f?, or tW 1 1='"' -7 paMnerd to increase or 1% des in the payment arrwr" may urxut•
as may be outsiandi g. with inbrhtetas prDVkla4 On ft unpaid quw" Mowing tote detsrra out d the c?msrtgs in tM irk rate. Mr Change
balance. Intwest will be alculWd ftm the do@ of each advance at the ini t In rte nmonl* payment smalstt *I >jIS to be equal to an amourt[Mddh vA l
Is rate eat forth at to rMV911% which rata is variable and amortize brie elonce of ft bm N
subled to ctange, urd N Is h Borrower prombes to make rr?P wp payment sc
paymsnta kt- FRepayor
Borrower Period and ff*~TM Ce dii be nob of So the new payment echo dWei, .
aooadarta won the aedfdrt an Rspaynsrrt Stated In the Note, eornoaaer prottMges: """ ' : - W sprees tfuif i<Grrlitir' - Botroe?x s forbsarama for
to pay b Larder all otter anoaatOt wRuird ball become due carder the tettitaerlJblt?... dates ori80raowir's Prig **,b
u t 9orr pugroeas of
a delirnmicy ft posit a
Note. tndudrg, N apptcabb, IW charges. te4sR ppaayynnmheerntw lase and oomwr isr'-. - «?n y °ower Is rdti?p` pty?sn* Boncwar ur mt dabs mdt
oolisctiorr. Borrowror apnea tat ttsb at ftte deslgrteeed ttxrr forbbearsnEe as a defers lo paynierht kmbraulhat secures dudrp the forbearance
b tats loll Larder. Ths h8trris d?Rs?-To Cate +?s either a coupon '60'0 _.W?bd w ww be d at tts ebNt tt a4dt Period (oat'd a? rsw?as e
gM MULTIPLE PARTIES: ft ro Firm Dne Borrower, each anob - b be
to LOWDL
agroollhot pyshydrWnfac- ?? d4rb kd of this lom
procwft is tee tenon- Borrower or to anYaae tier. for rRo tacarvm er
Note. abdat Ire d any d ea pre b.b,wiy wy1
IwW to . t all or any portin d th* blri Is prepaid. no pardon of the argrediort be s,. equiwdent of payrroSd b eact.BOrrewer acid ter Nts baneR a r 8orrowara .
tee will W rehrhded. - THE ADDITIONAL PROVISWNS ON THE REVERSE SEE ARE PART OF THIS
INTEREST. "MV-130RROWtJt ACKRDWt3MGM RECE1F OF A COMPCEMT
Lf3afa: The baaraitJam Fri. a varlable rate of irhtereat be lhl RLLED•IN COPY OF THIS IM4 ByMQ N G BELOW. BORROWER
to the rr ant Index rounded bjw psssM == of am AGREES TO BE LEGALLY Bt?ND BY ALL THE TERMS AND Cd+I MMS
point (01'K) phw a margin oh the arrhoura sat ioM at arxf O? r. OF THIS NOTE. Each of N Horioimaars r6arantees that the signature OGloy
a4uslad gtwteny m the tint day a J S9iE1t r Is
khlarost rate will not etrcoed t them __ _ .... ...•«, -
mordhU.S.Treuury lure _ _ •• ..-
f-edawl Reserve Board N Het tSlS f The liideot ' _ H e a e r L . [ ], a r'.w. Borrower 7. Deb -
avsrape ot rte Index for ors Nhtldr f>?ls Iassadkq the Iasi month a each _.__ Y ..
aMrhdir garter. ft the Ithdsx n. sfDJDiotasr reeatttbls, Cethder brill
kldax which b odmparabb. in fb aDie oplniorr, ,?„ _ ^y - ' KERB: BELOW. MAr?y Barmm Wiv Is
do aqua all pa it writ d other Bormortetal
i Interest b 11 ?; 5 Wry or the ban l?irm Th
b du? ""Y 1° PeY n?irtta of ?tda? loarr f Ynd bptplarimartoe of Of as promises In I* Nala.
r under of is in?tatt aNrs? 1 ti1rnral taut In eliir t On that day dlvtdsd^ b?to
Baaawsr agrees that becausa'IhYatatt'KUdXk d on a doily bests, Fete - ?. "'
psyrner" Ne m urn in addNWW *omit ttq, t it tats cda geralsty - ---- --
payments N1 result in tea bYersat and/or lab paper-- -• - - - ..... _ - .. _
m y to the number of tms piyRalrmR thu WXVW the amount of the IIrW y _ _ Co4ftkor
?
NOTICE TO CO-SIGNER
You are being asked tp,p W( ia14 j"t. Think caret oily kRWtfaeMTthe Borrower doestt'rpaylhe debt, you wnt have to Be sun you can
afford to pay It you laws to aret_ftLyoee watt to aeoept we re"wwbuy.
You may hwe to pay uP to-8ii lYill tiaioilot of the debt It the E'ilrrroiwi does
tlncrsaee this amourrL not pay. You may also haw to pafr late less or coftdo r ca ft whkh
-- - • - -
The Lender can mtlsd R.de64.?tam you without Wpylmg to 0aned from the 9orrowrer. The Lender an we the sent conection tmedwo
against you tat cen be IM Borrower, such ore sullog yamxr, ode, 0 Fhb debt b ev¦r in dSbAJI . %4 &4 DM beoome a part of yow Ore M n Wjd ,'I
AFFIDAVIT OF LOANS
THE STATE OF TEXAS §
COUNTY OF McLENNAN §
BEFORE ME, the undersigned authority, on this day personally appeared the
undersigned affiant, who swore on oath that the following statements are true and correct:
1. "My name is TOM PARDAEN;
2. "I am a representative of the PLAINTIFF, BRAZOS STUDENT
FINANCE CORPORATION ("BSFC"), the current holder of the
student loans.
3. "I am personally familiar with and cognizant of the facts and transactions
set out below and I state and affirm that all of the statements and facts
contained in this affidavit are true and correct and are within my personal
knowledge. I am over the age of 21 years, am of sound mind, and have
never been convicted of any crime or offense.
4. "One of the responsibilities of my office is as the records custodian of files
associated with BSFC in this cause of action.
5. "A person under my supervision has care, custody, and control of all records
concerning the accounts of HEATHER L. ECKLEY, as the student borrower.
6. "These records show that the following is due and payable to BSFC:
(a.) In the principal amount of $28.189.52 (combined collectively) (prior
interest which was capitalized and rolled into the original principal), plus
accrued interest to March 14, 2009, in the amount of $5,001.09, plus
interest after March 14, 2009, at a current variable rate of 3.700%, subject
to change, as provided for in the promissory notes. The principal balance
due on the promissory notes is more than the original balance, therefore
showing a discrepancy. The reason for the discrepancy is Defendant failed
to make timely payments and/or failed to make payments. During this
time interest continued to accrue, thereafter the accrued interest was
capitalized and rolled into the original principal as allowed by law.
(b.) Thereafter, as allowed by law, (L) post judgment interest, (2.)
reasonable attorney's fees, (3.) court costs, (4.) service of citation cost,
and, if applicable, (5.) collection and late fees, on the promissory notes.
7. "The creditor's Payments History With Interest Ledgers is marked as
"Exhibit "A" and is attached to this affidavit and is within my knowledge
and is true and correct. The total amount of the account is due to the
creditor, and all just and lawful offsets, payments and credits have been
allowed."
TOM PARDAEN, Affiant
SUBSCRIBED AND SWORN TO BEFORE ME on JULY, 2009.
1A?j PATMCCIIAL,.. SMITH
•^ y
?l Pd* state
?S *CoffmEg*C34-.
a
Notary Public, State of Texas
O
OF THE P ' 3TAgY
M AUG 13 FM 2: 39
CLWERR40 COLM
PeO SYLVAM
*'78.50 PO AMN
0,011493
Sheriffs Office of Cumberland County
R Thomas Kline
Sheriff
Ronny R Anderson
Chief Deputy
Jody S Smith
Civil Process Sergeant OFF CE OF rrF S?-ERIFF
Edward L Schorpp
Solicitor
?Y._!CE
OF THEE Rpo" 'r TA '
2009 AUG 19 AM 9: 15
PENNSYL`,&.Nijt
Brazos Student Finance Corporation
vs.
Heather L. Eckley
Case Number
2009-5643
SHERIFF'S RETURN OF SERVICE
08/14/2009 05:34 PM - 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: Heather L. Eckley, but was unable to
locate her in his bailiwick. He therefore returns the within Complaint and Notice as not found as to the
defendant Heather L. Eckley. The defendant has filed bankruptcy under Chapter 7 of the United States
Bankruptcy Code, case number 1:09-bk-03301-MDF to Judge Mary D. France.
SHERIFF COST: $37.44
August 17, 2009
SO ANSWERS,
R THOMAS KLINE, SHERIFF
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
BRAZOS STUDENT FINANCE
CORPORATION,
Plaintiff,
VS.
HEATHER L. ECKLEY,
Defendant.
§ CASE NO: 09-5643
PRAECIPE TO DISCONTINUE
§ WITHOUT PREJUDICE
Filed on Behalf of Plaintiff:
Brazos Student Finance Corporation
NOAH PAUL FARDO, ESQUIRE
PA. I.D. #83848
SHAWN T. FLAHERTY, ESQUIRE
PA I.D. #43697
FLAHERTY FARDO, LLC
Firm #527
5541 Walnut Street
Pittsburgh, PA 15232
Telephone No.: (412) 802-6666
Fax No.: (412) 802-6667
Email: nv apg_hfirm.com
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
BRAZOS STUDENT FINANCE
CORPORATION,
Plaintiff,
VS.
HEATHER L. ECKLEY,
Defendant.
CASE NO: 09-5643
§ PRAECIPE TO DISCONTINUE
§ WITHOUT PREJUDICE
PRAECIPE TO DISCONTINUE WITHOUT PREJUDICE
TO: THE PROTHONOTARY
Kindly discontinue the above matter without prejudice.
Date: August 20, 2009
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
BRAZOS STUDENT FINANCE
CORPORATION,
CASE NO: 09-5643
Plaintiff,
VS.
HEATHER L. ECKLEY,
Defendant.
PRAECIPE TO DISCONTINUE
WITHOUT PREJUDICE
CERTIFICATE OF SERVICE
I, Noah Paul Fardo, Esquire, hereby certify that I served a true and correct copy of
Plaintiffs Praecipe to Discontinue without Prejudice, on this 20th day of August, 2009 via
United States First Class Mail, postage prepaid, upon the following defendant.
VIA MPA0*1
Heather L. Eckley
801 South Market Street Apt. C (?I
Mechanicsburg, PA 17055-4747
Date: August 20, 2009
3
OF lrfc
20C,9 AUG 24 Pig 4 G
CUM-