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HomeMy WebLinkAbout09-7906IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff . NO. OQ JM(o c"v i 1 Terns VS. BRIAN J GINTER Defendant : CIVIL ACTION -LAW NOTICE TO DEFEND Pursuant to PA RCP No. 1018.1 You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after the Complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CAN NOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 S Bedford St Carlisle, PA 17013 717-249-3166 800-990-9108 Document #: 180057.1 EN LA CORTE DE ALEGATOS COM UN DEL CONDADO DE CUMBERLAND, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES NO. CREDIT UNION, Plaintiff VS. BRIAN J GINTER 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 pdginas, usted tienen que tomar acci6n dentro veinte (20) dias despu6s 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 mds 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 S Bedford St Carlisle, PA 17013 717-249-3166 800-990-9108 Document #: 180057.1 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff VS. BRIAN J GINTER Defendant NO. ©4 - 71a 04 e4?j4 -71,- 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, Brian J Ginter, is an adult individual with a last known address of 9 W Beale Avenue, Enola, PA 17025. 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 June 30, 2008. 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 November 5, 2009, the balance due, owing and unpaid on Defendant's loan account with Plaintiff is the sum of Eight Thousand Five Hundred Twenty-two Dollars and 95/100 ($8,522.95). 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, Brian J Ginter, in the amount of Nine Thousand Nine Hundred Forty-seven Dollars and 95/100 ($9,947.95), plus interest, the costs of this action, and such other relief as the Court deems just and proper. COUNT II - BREACH OF CONTRACT (SIGNATURE LOAN) 23. Paragraphs 1 through 22 are hereby incorporated as if more fully set forth. 24. Defendant applied to Plaintiff for a signature loan. 25. The application submitted by Defendant was approved by Plaintiff. 26. 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 "C". A true and correct copy of the Loanliner Credit and Security Agreement is attached hereto, incorporated herein and marked as Exhibit «D" 27. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms and conditions of the Contract marked as Exhibit "D". 28. Various charges and payments were made by Defendant on the account. 29. Defendant has defaulted on the loan by failing to make timely and regular payments. 30. The last payment made by Defendant was on June 30, 2008. 31. Defendant is required under the contract to make regular and timely payments. Document #: 180057.1 32. Plaintiff has maintained a statement of account keeping an accurate and running amount of debits and credits made on Defendant's account. 33. Plaintiff has submitted to Defendant a copy of the statement of account accurately showing all debits and credits for transactions with Defendant. 34. Defendant has not objected to any of the monthly statements of account submitted by Plaintiff to Defendant. 35. Despite Plaintiff's reasonable and repeated demands for payment, Defendant has failed, refused and continues to refuse to pay all sums due and owing on Defendant's loan account balance, all to the damage of Plaintiff. 36. As of November 5, 2009, the balance due, owing and unpaid on Defendant's loan account with Plaintiff is the sum of Nine Thousand Forty-one Dollars and 37/100 ($9,041.37). 37. Pursuant to the terms and conditions of the extension of credit contained in the Contract, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest charge on the principal loan balance. 38. Due to the default of the Defendant and pursuant to the terms and conditions of the Contract attached as Exhibit "D", attorney's fees in the total amount of One Thousand Eight Hundred Eight Dollars and 27/100 ($1,808.27) 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. 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, Brian J Ginter, in the amount of Ten Thousand Eight Hundred Forty-nine Dollars and 64/100 ($10,849.64), 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: W"X (Y. " 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 unsworn falsification to authorities. Pennsylvania State Employees Credit Union By: Title: n „ b Date: Exhibit "A" PERSONAL SERVICE LOAN AND VISA ACTIVATION NOTICE Loan Information May 15, 2001 Ref #: 136965 598 I Approval Amount: $8,000 Home Telephone # : Work Telephone #: Applicant: BRIAN J GINTER SS #: Signature I acknowledge receipt of the PSECU LOANLINER Disclosure and Credit Agreement and agree to be bound by the terms set f rth in said agreement. o I - f&?? Signature of BRIAN J GIN Dat Personal Service Loan Options • I would like an immediate Personal Service Loan advance of $ .3cmw. Purpose: erSor a Send a ? check or deposit to my Share 4 Iff • Select your Personal Service Loan repayment option. ? Payroll deduction ? Automatic Transfer P1 Direct Payment 0 Homebanking ? Self Service Telephone • 1 13 want ? do not want overdraft protection from my Personal Service Loan. - VISA Options I would like an immediate VISA advance of $ . Purpose: Send a ? check, or ? deposit to my Share 4 • You must select your VISA loan transaction repayment option. ? Transfer automatically on the 25th of each month (select one): ? minimum amount ? alternate payment amount of $ ? previous month's balance ? I will mail a payment monthly by the 25th. • You may have one additional card issued on your VISA account. Indicate your choice below: ? Please Issue an additional card in the name below. I authorize him/her to use it and I accept full responsibility for all charges and/or cash advances just as though 1 made them. Authorized card holders may not order replacement cards or obtain VISA account information (i.e. detailed transactions, balance information, payment activity). BRIAN J GINTER must sign below. C? Name of Authorized Card Holder Signature of BRIAN J GINTER • Select your Personal Identification Number for your VISA card Select a PIN that is not easily Identified with you, and write your PIN in the spaces provided. PSECU does not keep your PIN on file. Please do not use the letters Q of Z as part of your PIN. Also, do not use the following combinations of numbers: 0000 through 0009 or 9999. SCANNED Exhibit "B" PPennsylvania State Employees Credit Union °O F,o c 6 7C t:? • Y 7c c.71, PA '7l ;16-7 0 :3 • 't ?• o t I' r".. ) .':'..1 -'3 7' ... r.t,,..: Loan Disclosures 1 This LOANLINER° Credit and Secunty 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. This is a multistate document which i may be used to lend to borrowers in all states. ! 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 "advances") 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 trite different types of credit (called "subaccounts") avai!able 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 subaccounts. If a credit limit is set for a subaccount, 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 list 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 subaccount, 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 if 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. It 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/Debit card to access the Plan, you may be liable for the unauthorized use of your ATWDebit card. You will not be liable for unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft, or possible unauthorized use. If you believe your ATMIDebit 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. It 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 ATM/Debit 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 since an advance if you have not yet made a payment) is multiplied by the applicable daily periodic rate. The sum of these amounts is the finance charge owed. The balance used to compute the finance charge is the unpaid balance each day after payments and credits to that balance have been subtracted and any additions to the balance have been made. In addition to interest, we may charge other finance charges which are disclosed on the Addendum. If the interest rate is a variable interest rate, the Addendum explains how the variable interest rate works. 6. SECURITY INTEREST -The Plan is secured by the shares and deposits in all joint and individual accounts you have with the Credit Union now and ;n the tutu-e. Shares and deposits in an Individual Retirement Account and any other account which would lose special tax treatment under state or federal law if given as security are not subject to the security interest you have given in your snares and deposits. Additional security may be required depending or, the subaccount under which an advance is requested. For example, a subaccount called -New Car Advances" means the security will be a new car. A subaccount called "Other Secu-ed Advances" means you must offer security acceptable to the Credit union for tre advance. Property given as security for any advance under tre Plan Swil secure all other amounts you owe under the Plan or under any other Agreement witr us now or in the future. Property securing other loans with us may also secure the Ran However, if you have given your dwelling as security for a loan with us, :hat &,vellirg will not secure an advance made under the Plan. 7. PROPERTY INSURANCE,TAXES AND FEES -You wili to requirec 10 purchase property insurance on certain types of security Ina: you give for advances. You may purchase the property insurance from anyone you c:noose 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 VJT'JA.L GROUP. I9K 32. EA 26. 119. 9-. A:.L Z r,,r FE.S-?,. through a policy you get and pay to.,. You promise to make the insurance policy payable to us and to del. rer IN) policy or proof of coverage to us if asked to do so. If you cancel your insurance and get a refund, se have a right to the refund. It 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 payable to you in order for us to collect any refund or benefits due under your insurance policy. You promf_<e to pay all taxes and fees (like registration fees) due on the property and to keep the property insured against loss and damage. 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 conrection 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 (i) 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 Insurance. 9. CREDIT INSURANCE - Credit life andior credit disability insurance is optional under the Plan. If you qualify 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 or 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. It 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 - It 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. If you give us inconsistent instructions, we can refuse to follow your instructions. Unless our written policy requires all of you to sign for an advance, each of you authorizes the other(s) to obtain advances individually and agrees to repay advances made to the other(s). 12. FEES AND CHARGES - If 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 to you at the time you obtain an advance. We i may also charge you other fees in connection with the Plan. Those fees are disclosed on the Addendum and will be added to your'oan balance unless you pay them in cash. 13. UPDATING CREDIT INFORMATION -You promise that you will promptly give us written notice it you move, change your name or employment, or it any other information you provided to us changes. Upon our request you also agree :o provide us updated financial information. 14. DEFAULT - The following paragraph applies to borrowers in Idaho, Kansas, Maine and South Carolina: You will be it, default it you do not make a payment of :he• amount required when its due. You W0 also tie in default if we believe the prospect of payment. performance, pr 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 i period. You will be in default if breaking any promise rude under the Plan materially impairs your acliiy to repay Yrnai you owe- You will also be in default d breaking, any promise made under a Sec: rity .Agreemert made in connection with an advance. materally impairs the condition, value. or protection of or o.r right In the property you gave as security. i The following paragraph applies only to borrowers in tolva: You will be in delauh. if you are more than 10 days late in making a payment. Yoe will also be in default i' . SECI, ?CFIIJ -31.E C>- 22'92-1 r3-W) 1 LOANLINEM Credit and Securit Credit Agreement. (continued) you do not crr-ply N:!r Trt, ._ n o ,.._ F.. r d fa ..... impairs any property you cd+t as u' rvur abi y under the Plan. The following paragraph applies to borrowers in all other states: Y::•.r :!!I be •n default it you do not make a payment of the amount, equiredwren it 15 dLe. YOU wail be in detault if you break any promise you made urd _;r :he Ran or it aryone is it default under any security agreement rnare rn connection -.v!th an advance Under the Plan. You will be in default if you cie. file for bankruptcy, become ?nso!vent, f you maketany false or misleading statemen!s in ary cred:t application or update of credit nformation, or if something happers ve believe --.ay substartia;iy red:,ce your ability to repay what you owe. You will also no it default under tee Plan a you ate in default under any other loan agreement with us 15. ACTIONS 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 ert,re unoaic 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, vie 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 arcalerata 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 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 towards 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'properly 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 retum that property to you or make it available to you to claim. After we have possession of the property, we can sell it and apply the money to any amounts you owe us. We will give you notice of any public sale or the date after which a private sale will be held. Our expenses for taking possession of and selling the property will be deducted from the money received from the sale. Those costs may include the cost of storing the property, preparing it for sale and attorney's fees to the extent permitted under state taw or awarded under §506(b) of the Bankruptcy Code. The rest of the sale money will be applied to what you owe under the Plan. 16. ACTIONS AFTER DEFAULT - WISCONSIN - The following paragraph applies 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. 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. If the properly is a motor vehicle, mobile home, trailer, snowmobile, boat or aircraft, you will also be required to pay any costs permitted by Section 422.413 of the Wisconsin Statutes. 17. ACTIONS AFTER DEFAULT - LOUISIANA - 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 Pian. 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 will continue to pay interest until what you owe has been repaid at the applicable interest rates in affect 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 towards what you owe. Vie can also exercise any other rights given by law when you are in default and our rights under any security agreements you have with ::s. 18. CANCELLING OR CHANGING THE PLAN - The following paragraph applies only to borrowers In Illinois: We nave the right to change the terms of the Plan from time to time after giving you any advance notice required by tax-. 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 n accordance with Section -22.415 of the Wisconsin Statutes. You will be notified of any orange :n terms. An increase in the daily periodic rate under a varable rate interest rate 's not considered a change in terms under the Plan. We can cancel the entire Plan or any part.of Ir'9 Pian at any :,r-e Y"o:: may :ancol the Plan at any time by giving us p,or nri!ter, notice. Your obligadcn to pay the unpaid balances under the terms of the F do continues wnet^5r v^u or the credit union cancel the Plan, except to the extent teat yc: r IiaL'ilry 's limdea cy Section 422.4155 of the Wisconsin Statutes. The following paragraph applies only to borrowers in Iowa: We c__=.n changa tae ms of a ;'1n o'n `ime .c ! me 31 er n y .. i mac; h. d , c aw. A. cl e•Ige ~Gt . . 5t. .! C ...IC - .. nice C C ,r Crd"".c a. ?.nc'reases thi+ a'11CU1 . Of '.'JU( Ot E 4? :I C. 2 SE'- 'ecis C.'cst:ng balances will apply to existing ba'a-cc•s cn:y ye, ague io !ne ergo or you use 1Z Plan for rt-mvlnq rollce Ir,: yol r u:e of e Plan med'15 'i-,U aq to ine change apo!ies to existing oa'ances. The following paragraph applies to borrowers in all other states: We nave the right to change the terms cf the Plan Ira.^1 tine to time after giving you any advance notice required by law. Ary change :n t?,e interest rate wilt apply to fut. re acaances, and at our discretion. and subject to a^q req.:iren^er!s of applicable iav;. will also apply to.unpaid balances The following paragraph applies to all borrowers other than Wisconsin borrowers: An increaso in the daily periodic rate order a varable interest ra!e 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 yc•u or the Credit Unicn cancel the Plan. Sections 21-25 apply if you give security in connection with an advance under the Plan. They apply to borrowers in all states except Louisiana. Louisiana borrowers will execute a separate security agreement. Borrowers in other states may also be asked to execute a separate security agreement. 19. 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. 20. CONTINUED EFFECTIVENESS - If any part of this Plan Is determined by a court to be unenforceable, the rest will remain in effect. 21. 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 give includes all accessions. Accessions are things which are attached to or installed in the property now or in the future. The security Interest also includes any replacements for the property which you buy within 10 days of the Advance or any extensions, renewals or 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. 22. 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, incluoing any credit card loan, you owe us for any reason now or in the future, except any roan secured by your principal residence. If the property is household goods as defined by the Federal Trade Commission Credit Practices Rule, the property will securo only the Advance and not other amounts you owe. 23.OWNERSHIP OFTHE PROPERTY -You promise that you own the property or if 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 self or lease the property or to use it as security for a loan with another creditor until the Advance is i 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. 24. PROTECTING THE SECURITY INTEREST - If your state issues a tftle for the property, you promise to have our security interest shown on the title. We may have l to file what is called a financing statement to protect our security interest from the claims of others. It asked to do so, you promise to sign a financing statement. You also promise to do whatever else we think is necessary to protect our security interest in the property. 25. USE OF PROPERTY - Until the Advance has been paid off, you promise you will: (1) Use the property carefully and keep it it 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) Pramptty notify us if the properly is damaged, stolen or abused. (o) Not use the property for any un,awfu' pu pose 26. 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. 27. VERMONT NOTICE TO CO-SIGNER - YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OFTHIS LOAN. IFTHE BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. This notice contairs Irrportant inicrrr :t --vi ;i OL.! your r ehts arr' ou• -esponsb?lines -miler the Fair Credit Billing Ac: NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT- If you think your statement is wrong or if yo:, reed more information about :ransacvon on your statement, vwe us on a separate sheet at -?e address listed or. your statement. Write to us as soon as possible. Wc, must hear from you no later than 50 days after wis sent you the first staterrent on which the error or prsblem appeared. You can telephone us. out doing so is it not preserve your rights In your letter, give us the tollr,'.ving informatcn Your name and account number The dollar amount of the suspected error Describe the error and explain, if you car, why you believe there is an error If you need more information, describe the item you are not sure about. It you have authorized us to pay a credit card account automatically from your share account or checking account, you can stop the payment on any amount you think is wrong, To stop the payment your letter rrust react, us threo business days before tt e 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 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 amount you question, including finance charges, and we can apply any unpaid amount In this Agreement, the words you and your means each and all 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. 1. RESPONSIBILITY - If we issue you a card, you agree to repay all debts and the Finance Charge arising from the use of the card and the card account. For example, you are responsible for charges made by yourself, your spouse and minor children. You are also responsible for charges made by anyone else to whom you give the card, and this responsibility continues until the card is recovered. You cannot disclaim responsibility by notifying us, but we will close the account for new transactions if you so request and return all cards.Your obligation to pay the account balance continues even though an agreement, divorce decree or other court judgment to which we are not a party may direct you or one of the other persons responsible to pay the account. 2. LOST CARD NOTIFICATION - If you believe the card has been lost or stolen, you will immediately call the Credit Union at (717) 234.8484 or (800) 237-7328. After hours call (800) 556-5678. 3. 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. The Credit Union uses neural networks, which by artificial intelligence can recognize and alert us to potential fraudulent transactions. These alerts may generate inquiries about your use of the card and we apologize for any inconvenience this might cause. 4. CREDIT LINE - If we approve your application, we will establish a self- replenishing Line of Credit for you and notify you of its amount when we Issfie the card. You agree not to let the account balance exceed this approved Credit Line. Each payment you make on the account will restore your Credit Line by the amount of the payment which is applied to the principal. You may request an increase In your Credit Line only by written 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 creditworthiness. You may also terminate this Agreement at any time, 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 staterrenl every month showing your Previous Balances of purchases and cash advances, the current transactions on your account, the remaining credit available under your Credit Line, the New Balances of purchases and cash advances. me 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 M nirrum Payment w,lnin 25 days of your statement closing data. By separate agreement you may authorize us to charge the minimum payment automaiically to your snare or checking account with :s. You may, of course, pay more frequently, pay more than line Minimum Payment, or pay the Total Nev: Balance in full, and you will reduce :re finance charge by doing so. The minimum payment will be (a) 2°0 of yo,ir'etal New Balance, rounded up m the next ever dollar, or (b) 520.,40, whichever is grey:er. In addition, at any time your Total against your Credit :n ail. Y'),, L'o rol "d e:J p y any quest'oriCd ar--cunt'.vh'e c ar.: 1,-vest gating. out you are -ttlf obI,: a!ed . p;r! .. . par's of ycur statemen, ina: are ,not in question. If we find tnal vre rado F. ,.. tak6 or q„r stai you w6: not have lC pay illy finance charges rolaled to ar y, r,ues!?or,_ i a !' we didn't rrake a mistake. you may y have to pay f nance charges. _ and yc u ,vdili ha':a to make up ar.y misses payments cn :.,e ecestiored a,moUrt, Jr. &t'er c:.se, vie wilt seno yon a statement of the amount you ov:e and the rfa:e that it due If you fail to pay the Arno' nt teat we :ninri you we. rte ma'y repent you -as celinq--ant. However, if our explaratior dces rc: sat sly roll and yci •.vr:te to us ^.n ten days telling us tinat you still refuse to pay, we mMe: tell anyone we report you to that you have a question about your s!atement. and, we MUM tell ycu the name of anyone we reported you to. We must tell aryr.,ne :re -i?por! you :o that the na:!er ras veer settled between us when it finally is If we don't follow these rules, we can't collect the first S50 of the quesooned amount. even if your statement was correct. SPECIAL RULE FOR CREDIT CARD PURCHASES - If you have a problem with j the quality of property or services that you purchases witn a credit card, and you have tried in good faith to correct the problem with the merchant, you mayhave the right not to pay the remaining amount due on the property or services. There are two I (imitations 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 4 we mailed you the advertisement for the property or services. i 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. 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. 7. FINANCE CHARGES -You can avoid Finance Charge on purchases by paying the full amount of the Now Balance of Purchases each month within 25 days of your statement closing date. Otherwise, the New Balance of Purchases, and the subsequent purchases from the date they are posted to your account, will be subject to Finance Charge, Cash advances are always subject to Finance Charge from the date they are posted to your account. Purchases: We calculate your finance chaise by multiplying the average adjusted daily balance (see explanation below), including new purchases, for the billing cycle by the monthly periodic purchase 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 ra!e. Balance Computation Method Average Daily 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 Daily Balance for purchases each day, we take the following steps: We take the outstanding balance fall amounts you owe) at the start of the day. Then, in the sequence in which amounts a-e 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 Lis the Daily Balance for purchases. Average Daily Balance for Cash Advances - Cash Advance Transactions which are posted to your account are not included in If a Average Daily Balance calculation for purchases, and are therefore not subject to the monthly periodic rate for purchases. The Average Daily Balance is calculated separately for Cash Advances and is subject to the Cash Advance Moninly Periodic Rata. The Average Daily Balance for Cash Transactions is calculated by adding the Daily Balances (Cash Transaction) for each day in the billing cycle, and then dividing by the cumber of days in the billing cycle. To calculate fne Daily Balance for casn each day, we take the following steps: We take the outstarding oalance (all 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 :rd credits. we subtract the amount of any unpaid Finance Charges or Lase 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 is the Daily Balance for Cash Advance i 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 illowing -iar ^er: f rst to previous late lees then t?, previous cash advances prance char,ee. then to previous purchase finance j charges, then to current !ate iees, then :o p-evious casn acvance balances, then 1;, previous purchase balances in :he orcer ma! they were posted to your acccunt, :hen to current cash advance balances aho then to current purchase balances. Credits are applied firs: to the paricu' r yce of .:ebt Nnic : is be:ra crecized. ;f any and !her to the balance of your accour; VISA' Credlt Card Agreement and Truth In Lendinc Disclosure (continued) Note also that if .!-:e Iota: of c nayrr u acca. nt by the Payment Due Date acs c., rI 1,.:.J , exceeds 'n'-, New Balance srov.n on that St cement. v, it ,nc hlor e C.dy l'4t :o your Account or yow next S:=fprnert 8. DEFAULT - You wilt be in default I yo.: fall to rake any Mina-,m. Payment tiwAhin 25 days after your monthly statement closing date, YOU alith^r':ze us to transfer funds sufficient to make theminimum payment due if your VISA lean is ir 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 delault if your ability fo repay us is mater;0y reduced by a change ,n your en:oloyrnent, an increase in your obligations, bankruptcy or insolvency proceedings invol ing 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 full account balance if you default. subject to Our giving you any notice required by law. To the extent permitted by law, you will also be required to Day our collection expenses, including court costs and reasonable attorney fees. 9. USING THE CARD - To make a purchase or cash advance. there are tvo alternative procedures to be followed. One is for you to present the card to a participating VISA plan merchant, to us or another financial institution, and sign the sales or cash advance draft which will be imprinted with your card. The other is to complete the transaction by using your Personal Identification Number (PIN) in conjunction with the card in an Automated Teller Machine or other type of electronic terminal that provides access to the VISA system. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. The monthly statement will identify the merchant, electronic terminal or financial institution at which transactions 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 verity 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 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 if it is one dollar or more, refund it on your written request or automatically after six months. 11. FOREIGN TRANSACTIONS - ? _a n: ca+s' -dv_:rcas r age ' r co,ntr;es a^:J foregn curie'! :e rra'o ya, r, _ S . 'a•_ 'he ccr'.e--_,. rate to dollars wtl ,e , .the Ar : esa e. rr?ke' . e . ii c e ^.mr. da'- 1 'aie. wrrich_ver is co!icaolc. : ='ecl crw 1,,. .'ru :J e -r.CGSslrg r'a:e. increased by Uno percart 12. PLAN MERCHANT DISPUTES - VYc are nut r`-Sp3n510'e fors,,; refusa of any plan merchant or financial Irslitution to ho-or your Caro. We are suc,ect to claims and defenses (other than :art c'.aims) ars;rg c,a of aoocs and services you purchase v:itti the card only if you nave made a good faith a tempt, 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 sanding you, or (b) your purchase cost more than S50 and was made from a plan merchant in your state or witnrn 100 miles of your home. Any other disputes you must resolve orecty with the plan merchant. 13. SECURITY INTEREST - To secure your account, you grant us a purchase money security interest under the Uniform Comrrercial Code in any goods you purchase tnrough the account. If you default, we witi 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 stat_itory right ve may have if you are in default to prevent withdrawal of your unpledged credit union shares (Deposes) ! below the unpaid balance of your accourt. 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 yaur home. 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 oy 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 13 days after the Payment Due Date, you wilt be subject to a single charge of 5% of the minimum scheduled payment. 16. COPY RECEIVED - You acknowledge receipt of a copy of this Agreement. MONEY ACCESS CARD CARDHOLDER AGREEMENT • The Undersigned (you or your), in consideration of THE PENNSYLVANIA STATE EMPLOYEES CREDIT F nth n r 51 t f th th A V_ directions to a human teller. You also understand that a Merchant which accepts UNION (we, our and us) issuing to you a MONEY ACCESS CARD, hereby agree to be legally bound by the following terms and conditons. You agree that the use of your MAC card(s) constitutes acceptance of the terms and conditions of this Agreement. You understand that MAC' 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 MONEY ACCESS CARD You have the account(s) (including Checking and Regular Shares), which we set ' the MONEY ACCESS 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 MONEY ACCESS CARD is a security devise for your account(s). Therefore, YOU AGREE TO TAKE ALL REASONABLE PRECAUTIONS THAT 0 o you app ca ton orm wl is greernent. u hereby request t at we NO ONE ELSE LEARNS YOUR PIN, issue to you one or more MONEY ACCESS CARD(s) to be used in connection 3. with such accounts as described in this Agreement. You understand you may use the MONEY ACCESS CARD at a MONEY ACCESS CENTER' to (1) withdraw cash from, (2) make or arrange for deposits in, (3) effect transfers to or from your account, (4) receive 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 machines throughout the United States and in certain foreign countries which bear the PLUS SYSTEM' name and logo (1) to make withdrawals from, (2) effect 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 MONEY ACCESS CARD to purchase goods and services ("Purchase") at any retail establishment ('"Merchant") where MONEY ACCESS CARDS are accepted by such Merchant. If you use the MONEY ACCESS CARD to make a Purchase to obtain cash, it permitted by the j Merchant. you shall be requesting us to withdraw funds in the amount of such Purchase (including any cash received from the Merchant) from your Checking ' Shares and directing or ordering us to pay such funds to the Merchant. You request that vie will provide to you such other services or access to other ATM 4 systems or networks using the MONEY ACCESS 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 accitional accounts of yours through the MONEY ACCESS CARD we have issued 10 you. You agree that the uses of the MONEY ACCESS CARD described in this Agreement shall be subject to the rules and regulations of eacn account which is accessed by such Card. Liabllity for Unauthorized Transactions You agree to contact us at once if you believe the MONEY ACCESS 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 shows transactions which you did not make, and you do not contact us within 60 days after the statement was mailed to you, you may not get any money lost after that time. YOU AGREE THAT IFYOU GIVE YOUR MONEY ACCESS CARD(s) and PINTO j SOMEONE ELSE TO USE YOU ARE AUTHORIZING THEM TO 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 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. A new card may be ordered for you at ti-a: time and a 'hold" will be placed on your old card. After such Iime, if you find your o d card, destroy the old card by cutting it in half. If you attempt to use your old card, it will be captured and retained by the MONEY ACCESS CENTER, PLUS SYSTEM, or HONOR ATrvl. Charges You agree to pay a 50 cent charge for each deoossl or withdrawal exceeding 15 a month. You agree to pay the 50 cent peraity charge on any cash disbursernent transaction (loan advance or share withdrawal) that is less than S20 You agree to pay a 25 cent charge on each balance Inquiry. 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 imposea or cnanged from lima to time. 2. Use of Personal Identification Number ('PIN ,) with MONEY ACCESS CARD You understand that a MONEY ACCESS CENTER or a PLUS SYSTEM ATM is 5. Deposits an automated teller. It can anc will pe form nary of the Same tasks as a human You agree that when rou make ceposd at a VONEY ACCESS CENTER that teliar. You acknowedge that the Personal Identification Number or PIN which yet, we have the right to very the deeost befo•e ?.we make the money available to yo'., use with the MONEY ACCESS CARD IS your signature, identifies the nearer e` If you deliver case checks or ether items to a MONEY ACCESS CENTER. you the Card to the MONEY ACCESS CENTER. PLUS SYSTEM ATM. or ether ! understand and ackrowleege that the ?unds 'rom your daaost may not be network ATM and authenticates and validates the directions given just as your ; available for mrreaiate wRndrawaf and teat the ava8abihty of your deposit si:all actual signature and other proof identil•; you and authenticate arc vai:date your depend on our rues and regulations regarding the particutar account n •A'h;ch you Electronic Funds. Trans fe, illC Agreement and.Regulatfon_"E",Disclosure 5. (continued) _re mailing a Ceposr, d,o ¢9n r ihar you re os is made at a MONEY ACCESS CEN`ER ;tea; < oo:reU D` a='_ r.,, fir ;^ria nstiaaicr,.' gu also rCersand and ac nor:!sgg I a', n a7 a;: ti_1fJ='r +it": - CENTERs may accept deposits and some MONEY ACCESS CEN7ERs may'in-;t the amount of funds wr.irh may be depos *ed ar.d we may not ron!rD; 1nBse limas 6. Liability If the MONEY ACCESS CARD is issued for a joint account, you agree to be joirgly and severally liable under the terms of this Agreement and the agreement for such account. You agree that if you make deposes or oaymeets to your account(s) with items other than cash lchec;s, drafts or ether items, and we make funds available to you Prom such deposits prior to the r collection, you agree that we may deduct the amounts Of such funds from your account(s) v.hich 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 fures 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 MONEY ACCESS CARD services or to amend or change the charges for these services. Vie may do so by notifying you in writing of such amendments or changes and your use of the MONEY ACCESS CARD after the effective date of any such amendment or change shall constitute your acceptance of and agreement to such amendment or change. 8. Ownership You agree that the MONEY ACCESS CARD is our property and you will surrender it to us upon our request. You agree that the MONEY ACCESS CARD is non-transferrable. 9. 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--Summary-of Consumer Liability MAC, ACH and SST - Tell us at once it 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 money in your account plus your maximum overdraft line of credit. If you believe your card has been lost or stolen, and you tell us within two business days after you learn of the loss or theft, you can loss no more than 350 if someone used your card without your permission. If you do not tell us within two business days after you learn 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 [old us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, tell us at once. If 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 extend the time periods. 2. Telephone Number and Address to Notity of Unauthorized Transfers MAC - Contact PSECU at (800) 237.7328 or Money Access Service (MAC) at (600) 523-4175 during PSECU non-business hours, 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 P.O. Box 67013 Harrisburg, PA 17106.7013 PSECU Business Hours 7:00 a.m. - 5:00 p.m. M - F 800 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 'nrnr;gh Frida,,, Holidays not included. 4. Types of Electronic Transfers a Consumer May Make MAC - Balance inquiries on checking. savings and PSL: withdravra!s frorr caecking,isavings; cash advance from PSL; deposits to check ing-savrgs: purchase goods and services at any acceptinq retail estabushmert. ACH - Preauthorized debits and credits :o checking and savmgs SST - Balance inquiries and transaction nistor!es on as share. certfica:e and loan accounts: transfers from any snare to arothar share or loaf: account from your PSL to any share or loan account; v.Ithdrawats from any snare except IRA snares or certificates. 6. 9. Any Charges for Electronic Funds Transfers or for the Right to Make Transfers MAC - -;y r_nls 1cr _aC , c - .. 1:a CC or .ainU'a.:3 ; o ., an ?_? .;P^.:S `?-r ?r.?. , .._,.r. J - „cr --::r4- a25 Cent ;.hare? nn cacr maid.^.Ce :r , ACH - S20 serv,ce chXge fir I.?s ;f !cif tit '?,r each e'.ectrcnic aans.'er. SST - cone Summary of Consumer's Right to Receive Documentation of EFT's MAC - You are entitled to receive a printed receipt at the tl,,re of each transaction. You still receive a montnty statement showing the status of your account, any transactions made curing tt1P? rnonfh, 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 tho 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 c,mpany, you can call us at (em.) 237- 7328 to find out whether or rot the deposit has been made. Stop Payment Rights - Pre-authorized transfers h1AC 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 these 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 17106-7013, in tlme for us to receive your request three business days or more before the payment is scheduled to be made. It you call, we may also raquire 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 Preautharized 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 will 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 fail to give us proper Instructions that would enable us to place the stop on the transfer. Summary of the Financial Institution's Failure to Make or Stop Certain Transfers MAC - 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 out failure unless: (1) there are insufficient funds in your account to complete the l 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 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 using the reported i card; (7) PSECU has reason to believe that the transaction requested is j 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 failure 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 I HONOR ATM, of merchant terminal that Is not a permissible transaction listed l above; or, (11) the transaction would exceed the security limitations on the use of your Money Access Card. ACH and SST- If PSECU fails to complete a transaction on time or in the correct amount, when properly 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 i 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 cortol. in any case. PSECU shall be lie.ble for actual proven damages if the failure to make the transaction resulted fr:)m a oona flee error despite PSECU's ! procedures to avoid such errors Disclosure to Third Parties MAC, ACH and SST - PSECU Mill c:scluse informa`-ion about your account to third parties: (t) when it is necessary to :;cmclete transactions; (2) to verify the existence and standing of your account Wh PSECU upon request of third party, such as a credit bureau; (3) to comply with go•:ernrrent agency or cour, 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 cert,ficat:on from a Federal Agency or department that a request for information is in compliance with the Right to Fir,anciai Privacy Act o' 1978; and (7) when it is necessary to take legal actior to r-.-over sha-es. Electronic_Funds _Trenster, .14i _Agreemery,arid- -Regulerlon,"E" Disclosure (continued) 10. MONEY ACCESS CENTER Services MAC Only - 'got -lay use your MO Y ACC-SS CAR w .!n ycur P r?r Identifical;or N'.lmeef (PIN) 8! MONEY ACCESS CENTERS !oca!(?d In Ce'a::2 Maryland, New Jersey and Pennsylvania to conduct any of tie fcl'o-.v.og transactions for the accounts accessed by',cur t.iONE'Y ACCESS CARD. a) Determine the account balance(s) of your Checkirg your Regular Shares. and your Personal Service Loan (PSL). b) Withdraw cash from your Checking and Your Regu'is( Shares. c) Make a cash advance from your Personal Service Loan (PSLI. d) Deposit currency, checks, or drafts (coins are not acceptable) for ;ransmis.sion 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 A10NEY ACCESS CENTERS located in these areas may only provide access to you. Checxing, your Regular Shares, and your Personal Service Loan. Not all MONEY ACCESS CENTERS may accept deposits. There may also be limits on the amount of funds which you may deposit in certain MONEY ACCESS CENTERS. 11. PLUS SYSTEM' Services MAC Only - You may use your MONEY ACCESS CARD v,ith 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 MONEY ACCESS 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). 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. HONOR' System Services MAC Only - You may use your MONEY ACCESS CARD with your Personal Identification Number (PIN) at any HONOR automated teller machine (HONOR ATM) located throughout Florida and other areas where there ate 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, 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). 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 maybe 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 ("Merchant") where MONEY ACCESS 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 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 5500 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 witrdravv'purchase up to 5500 at point of safe locations. PSECU reserves'.ne right to reduce this daily I,mit at any time. In the event that your daily limit is less than S500, PSECU wi I advise you of the new limitation, The day for withdrawal limits starts at 12 midnight each day and ends at 12 midnight the next day For security purposes, tne,e are also certain daily limitations on the frequency of use of the MONEY ACCESS CARD. However, these limitations are no! revealed for securty reasons. True Per.nsylvarda State Employees Credit Union is rot ob!iged to maintain such limitations. You will be denied use of your MONEY ACCESS CARD r yo,: exceed the ca;!y withdrav:a6'purchase ,,it, !f yC.r do not have; adequate f'..,nds (:bailable 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 Trere is a limit on the number of such denials permitted. Altemots to excee". the mit will res.rit in machine retention Of our MONEY ACCE.',S Cam, RD Tt< bu' . ! ..,err'; _ -.: t no ter.t,un = not rev_a:ed'+_r 16. Error Resolution Procedures MAC, ACH and SST - I ;,r__a c' cr .: C', _65' Co.'s Direct incu!ries to PSECL at iY! 22 _.-32= Nc: r...;e. ?DC' ?S00i a'2-tyc? _r,erwiue. (7i7) 77-_^ 00 H;trn ;_, o .. .ECU a:. Pt^ns:.ara State Emclcyees Credit Union. PC So, 67.,t3. ,.arrisnura. PA 17106-7013. as soon as you can if you in!nk your sta:emenc or receipt is :,ronc, nr d you need more informatio about a trar.sacrcn listed in the st-iteme^t or receiot. PSECU must hear from you no later than 60 days after it ser t you tre first statemert on which the problem or error appeared. YOU must provide the tollov:,r,q information (a)Your name, account number. and MONEY ACCESS CARD number (if a MAC transaction), or reference number (if 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 irtorm.ation. and; (c) The dollar amount of the suspected error. If you tell PSECU orally you must send your complaint or questtcn in :voting w;lhin 10 business days. PSECU -ww tell you the results of the InvesYyaticn within 10 business days for MONEY ACCESS CENTER, PLUS SYSTEM, HONOR SYSTEM, SELF-SERVICE TELEPHONE, or DIRECT DEBIT'CREDIT TRANSACTIONS, or 20 days for MONEY ACCESS CENTER nurchase transactions. If we need more I me, however, we may take up to 45 days for MONEY ACCESS CENTER, PLUS SYSTEM, HONOR SYSTEM, SELF SERVICE TELEPHONE, or DIRECT DEBIT:'CREDIT TRANSACTIONS or 90 days for MONEY ACCESS CENTER purchase transactions. If PSECU decides to do this, it will recradit 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 DEEBIT'CREDI T transaction, or 20 business days if it is a MONEY ACCESS CENTER purchase transaction. You will have the use of the money 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. It PSECU decides there is no error, you will be advised within three business days after the investigation is cornpieted. 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 et-.or has occurred. Notice To Consumers Using ATM's Be alert to your surroundings. If you doubt the safety of a particular location. choose another ATM. If the ATM has an entry door, close the door prior to initiating 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 following FTC Notice: NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. C O C° O ?Q UL ai E o. 0 O w oo? w a y C CL t3? A,\// LLI z J z T W ro O O i ? 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C O N U=a..? am-0-3E i $a?io H j a t o w o m E K m # m _ c c O, S ,6E;; 8 m m O c TEE c M $N r ?y v o o tom: o ° T 1 Q1 m 7 C Q In N y 3 7 o O U c n m ° o > m C ry x v a N o N N m E a C m - ry N c c voi x (D ; 7 m E> x _ o? oa g t O ? y E co, a 4) ?o o c E o mL °vni v O v S O TN O M L E Q1 o o c n G m .Q u (u L] 3 N N C) m 0 0 0 10 (n t c o m u 1 m welin U F a y u L 2 n L C Exhibit "C" SIGNATURE LOAN ACTIVATION NOTICE 02/0512008 t r ?B•s Applicant Information: Applicant: BRIAN J GINTER Ref #: 682139 327 App. Home Telephone: Approval Amount: $10,000.00 App. Work Telephone: For Internal Use O .9585071771155 Refinance: 20 I acknowledge receipt of the PSE(jU LOANLINER Disclosure and Credit Agreement and agree to be bound by the terms sett forth in said agreement. Si ure of BRIAN J G We D SIGNATURE LOAN OPTIONS Purpose: C ?.S f, C _ • Plitse select one of the following Signature Loan disbursgent options:- Send a ? check [deposit to my 9hare'4W;e dhndler/Checking shares) • Please select one of the following Signature Loan repayment options: ? Payroll Deduction Homebanking ? Automatic Transfer from PSECU account ? Self Service Telephone ?j coupon ? Direct Payment from another financial institution d65 •? .. ..fit. - .,_ ,' ?., :'li - Main Address: I Credit Unto; Piaee, Har Borg, PA 17110-2990, (717) 234-8484 Ma01ng Address: P.O. Box 67013, Harrisburg, PA 1710&7013,(717) 777-2100 (TDD) Savings federally insured up to $100,00M y the Notional Credit Ualou Administration Exhibit "D" Penns PSECO ylvania State Em plo yees Credit Union PC) Sv 35%.913 • -(.. .,:•] 1',1 ..'1.. • - 'i 7!:. 31 i•: 9-I r , r Loan Disclosures This LCANLV:ER' Credit and sertucy Acrrcrcent, r:h•cn nciudc'S the 'r,;tn CREDIT INSURANCE - Credit liie and'I CNIJa Usability insurance is optional Lending Disclosures, will be referred TO as the Plan The Pla^ documents nclud•: tits under the PU+n 1' you quaii`y for and purchase the Iisuiance'rom us. you authorize agreement and an Addendum. You. your ano borrower mean any oerson ,.who signs :.s to ada the "rs;uance pcem;Ums rnontn!y to your loin, batanoo and charge you :he Plan Credit union, we, our and us mean P9FCU or an,,nr.rt to wvhon; the Creo l ? itiresi on ine r:ntlrr; balance if you elect credit in'.:lranco. your payments may i Unidn transfers its rights under the Plan inrreaso or the nericrJ of time necessary to repay your advance may be extended. HOW THIS PLAN WORKS - This is an open-end, mute -featured credit porn ;rltt T ha credi: "r.suran:e rates may change U::nng t},e F' im If the rates rhanga, we will anticipate that, from time to time, you wit! borrow money (callsd'advanrens") under Prrn,iCa any nnhces required by e1ppl,caille taw the Plan. We are not required to make advances to you under the Plan and can PERIODIC STATEMENT - On a regular basis you will recerve a statement showing refuse a request for an advance at any time. The Addendum describes the ' all transactions under the Plan during the period covered by the statement, different types of credit icalied "SUba(C0UnI5) available under the Plan, the current scat vents and notices will be sent to you at the most recent address you have interest rate for each subaccount expressed as a daily periodic' eriodic. rate and given us in willing. Unless dpplirable law requires notice to each joint borrower, corresponding annual percentage rate and other charges. It may also have :,mar notice Ill any one of you wit! be nonce to all farms and a schedule for determining the payment amounts JOINT ACCOUNTS - It the is a )Dint account, each or you is individually and jointly I CREDIT LIMIT - We may, but do not have in, establish at credit limit on r. rta:n responsible for paying all amounts c ved. That means we can enforce our rights ! uba ccounts. If a eredd !snit is set for a surbaccount, you pia- r not to r x eed me under the Plan agiainst any one of YOU hdlvidually or against all of you together. If you estabfrsnod credit hunt. it you ex'eocl the credit limit, proms:. .o .spay i (give us inconsiste'll inatruiz ns. we can refuso to follow your instructions. Unless our immediately the amount whlrli aarueds the credo simlt, i V4111en pw,h?y Mgli(es all Of ou to sign for an advance, each of you authorizes the REPAYMENT - You promise to repay all amounts YOU ovle under the Plan plu, i other(s) to obla;r advances indr:Idually and agrees to, repay advances made to the interest. Payments are due on the last day of the month unless we set a different clay ! otherjv). Any joint acrounihoider may Icrminate the Plan by giving us prior written at the tirne of an advance. It file Addendum has no payment schedule for a I notice It arty of you terminate the Pan, ;tie Plan is terminated for all of you You ! subaccount, your payment will be determined it the tare Of each advance. remain liable individually and jointly for all advances n:curred before termination. ; Payments must include any amount past due and any amount by which you have FEES AND CHARGES - If you give us a serurvy interest in certain types of t exceeded any credit limit you have been given for a subaccount. You may repay all 1 property, we may charge you a filing fee to perfect air interest in the property. If we ; or part of what you owe at any time without any prepayment panatty, Evan if yell ilea the amount of the fee will be disclosed to you of the time you obtain an advance. f prepay, you will still be required lu make the regularly sCneduted payments unfelss V:e may also charge, you other fees in ccnneinion willi the Plan Our current lees are we agree in writing to a change in the payment schedule. If you have a joint ; disclosed on the Addendum and will be added rn your loan balance unless you pay shareclraft account, you will be responsible for paying all overdraft advances them m cash. i obtained by a joint holder of the sharedraft account, Unless otherwise required by UPDATING CREDIT INFORMATION -You promise that you will promptly give us law, payments will be applied to amounts owed under the Plan, in me r:annur [h? written notice if you move, change your name or employment, or it any other Credit Union chooses. information you provided to us changes U on our request, p you also agree to PLAN ACCESS -You can obtain credit advances in any manner authorized by us. if ( provide us updated financial information. we allow you to use your ATM; Debit card to access the Plan, you may tit, liable- tar the unauthorized use of your ATMIDety card You vnll not be liable for unauthorized use I DEFAULT - The following paragraph applies to borrowers in Idaho, Kansas, that occurs after you notify us. orally or in writing, of the loss, theh, or possible ! Maine and South Carolina: You will be in default it you do not make a payment of unauthorized use. If you believe your ATM.IDebil cam has beet) lost or stolen, ! the amount required when it is due You will also be in default if we believe the immediately inform the Credit Union by oailing or writing us at the tolophone number ar prospect of payment. portorrnance, or reauzalion on any property given as Security address trial appears elsewhere in the Plan. If the card is used to obtain unauthorized ! is signdicaMly mparred. advances directly from tire Plan, your liability will not exceed S50 It the unauthorized r This following paragraph applies only to borrowers In Wisconsin: You will be in withdrawal is from a sharedmh account, your liability is govorned by the Roqulatian E default it you tad to slake :i payment when due two rimes during any 12 month disclosures you received at the time you received your ATM/Debit card, even it the period. You will be, in default if breaking any promise made under the Plan materially l withdrawal results in an advance being made frorn your overdraft subaccount. impairs your ab:hty to repay what you owe or materially impairs the condition, value, FINANCE CHARGE -The dollar amount you pay for money borrowed is called a or protection of at our right in any property you gave as security. "finance charge- and begins on the date of each advance. A finance Charge; will be The following paragraph applies only to borrowers in Iowa: You will be in computed separately for each separate balance under the Plan. To c%irnpuie the ' default if you are more than 10 clays late in making a payment. You will also be in finance charge, the unpaid balance for each day since your last payment (or since ( default if you ao not comply with the terms of me Plan and your failure to comply an advance if you have not yet made a payment) Is multiplied by the applicable daily materially impairs any property you gave as security c r your ability to repay what you periodic rate. The sum of these amounts is the finance charge owed. The balance owe undue the Plan. used to compute the finance charge is the unpaid balance each day after payments rho following paragraph applies to borrowers in all other states: You will be in and credits to that balance have been subtracted and any addRionS to file balance i default it you do not make a payment of the amount required when it is due. You will have been made. In addition to interest we may charge other finance chat rs r, hicil be In default If you break any promise you made under the Plan or if anyone is in ' are aisclosed on the Addendum if the i•i!erest rate is a vantrnio m;ere•,t late. the default under any security agreement maize in connection with an advance under Adrle.ndum explains how the variahie in:eras! isle wvr,rks' ; the Plan, 1nu will be in default if you 016" file tot bankruptcy, become insolvent, if you SECURITY -You pledge as security for the Plan all .hares and cf/d rids indit Lilly make ally false Cr mt ending ,tatdme its in any crudl application or update of credit all peposits and interest in all joint and individual account; you have wun us now and rifairratinr, or if sarrething hnppenti wo believe may substantially reduce your in tie future. If a specific doftar amount 's plodgi.o for an advar va. we will f; :eze ability to ,epily what you ow(1 . You wr+l be u) de,ault if any property you have given shares in, that ,account to the exient of the ryiitstandlng balanc it for Iht, al1vsince .;5 as Sectu,ry S ropo Rf:eSSCd by sC•n ,o) i i:lSe sr, i; 'd under a foiltidure or similar Otherwise, your pledged shares may be wancirawn unless you are In dis.`ault The law. or i1 anything atco happens that ;irnifcarl'y affects we value or the properry or following paragraph applies In all slates except In Ohio, Rhode Island and our security irlerest "n :t Yoi! ww it also!:" jr, under the Plan if you are in default Massachusetts: We have a, statutory lien on the shares and d:cidard, enc. if any. the ; under any utfter then ;greemert with u;. - deposits and interest in all mafodaal and joint accounts `ou ).awe th M1ni 1 may ACTIONS AFTER DEFAULT - The following paragraph applies to borrowers In exerc .e our rights under the ben tc the anent pernlincd by S!,110 air (We ; rE state i Colorado, District of Columbia, Iowa, Kansas, Maine, Massachusetts, Misscuri, : ar craa if our name tines net :: ckiae the Term F c..rrd Cr. it I Ir rin') For all Nebraska, South Carolina and West Virginia: Wr° to n :fefault and after borrowers:The statutory lien andlor your pledge will allow us to apply the funds -t1 you ate in your account(s) to what you owe when you are in default.-he slalurciy:icri r.., 1e*opi!Ind rebon of let d right you have -r,cier c, pit Ir. s 1n_ncto rune your:? Pht, we can i I' e pnymcnl -'it the erhr: un_,aM e d n"1:e .)rider tn• Plan w+tnout per )i -1go do not app y "n any Ir v dux Retie r,elni nU , r y Or w ,•l. '1 grilse yoi" '.'a;lrei;e r.aUre !r of :: 0s Special f lx r rn nl m:r s er ' 1 1 ,.iw i i t ".,sly. A,7;i.o a! s.canny 1 ".*In •,i be n ).heel d P ii hire 1 If :, The following paragraph applies to borrowers in all other states except Wisconsin " and Louisiana: Vr, r till ui 7fiU1t ::v rni require immediate payment ill e :>Uni ::rnidic°s a 'Pe {, I r. 1 i f -t t c ,t 'ar, a'erub3n) :?I !n a c,il.re a^p ,-d bA,.:, ".nyer 7, e P:an You waive any right you have VF- "7ptl y a5 ;:CC"1liry .rive I7w ,,a n , '. 'Ifl( it l .,n C ,t 71. , '. i11 ,. i (..: J :ll .cl::; n t ,J :1',', r' of a=Ce Cratinn 11 $'.: ?i.leCVt, ill --.:.mv such 1., "Ovier S0L.fl _I IT1Cit'1; wnJ 'i•la?. ri, ' J'-" it 6 .r,io to „s v.ren , .. ,wain a•, .,wvf vial .I,. n....,, a rv, 0C, .. The following paragraphs apply to borrowers in all states except Wisconsin and gl as a?Cur;; ,v; s c;ra al ern,: ,„ r.,, u iliac ".a Ply a ,...... u . ` Louisiana: II ,r',t ;: rv pa;^ c is, „-n!a,'*rl' :•d' r::^fnuc to pry interest un!ii .Cl . t h::.. .,( rrvpa. 7 h ..., I.... r- l r . ritc•5 . •*erl or if _,plr..a!?!F. Pr2perty sec.,cI o! er ar._ yi:w <..e, .: ill I.,s; '11t:--_ ._..i• F':•, LOANLIN'ER' Credit and Security. Credit Agreement (conrinued) . r rig l., ^ r 1 r' A: h..1 . c,,,, n ::r; ;,r 5t t`•-, dcfaJ ii,v :V_, ..r4:r-7,1 ;.,, :I a ,,,.. ,..1:1 _r . ,..,s. _ t :.jr.rrt .. 3 J31 rv [jr.,?en.... CS L' .? -_, .:. ,.. •S .. !.o Pc,r rr, . vu,,, . h:,. ,.,. < P'. an "as beer rl:l y7..r ,,'Ares and ,.r `ep;s ,:n ,.. .. • Ole .,, esprovr.l_7 ..acronat,, __a CONTINUED EFFECTIVENESS- ,art r• „PI, ,c±.,c•unrelbyi,_.,irt rvjn:s q+v . ny 1.1, •.theo Y :)"j -1 e n to LC tltCrl: :rreab".,.:re real W.t ?n ut'e:a. Yo., agree die Cre•lt U;- On r is 11141 n(l_ to L . .sos"or „r; pit r r!y ,; ve. NOTICE TO UTAH BORROWERS h!_ tvnit;;n arreen'c S ; f m:1 expfe.,.. ,' of as Secur !y un,ler !ne Pncl. .,-theul {tti:+.;+a prof .... :f rii, c,c ii :e I. r,o ,he3 ago:elvment t)ftfwean you and it ,. „rani: Ur. :) ",i5 :.w!:-rt ;i')r r•ei nl6ni may ".el nreac:h of the peace If :;e ds•,. yo., prbc'ISt t0 Ue l ver tra pr.,{.:.rty a' a !!;l.e n'':n b^ G?nir, 6Lt'te..l oy evrdilw:? of ;try oral agreement place we choose If the property is a motor vehicle or boat, you agree that we may The following is required by Vermont law - NOTICE TO CO-SIGNER - YOUR obtain a key or other dev!ca necessary to untock and operate 4. :;hen you are SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE default We wilt not responsible for any crier property, not covered y !his d to :ho l i tach ro ert n id th r di We t th t l rl A ; FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, p p eave I e prope s a. y, greemen , a you s e y o a e will try to return that property to you or make 4 available for you to claim ; ! THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. After we have possession of the prnpc h'. we can set! it and apply ma money !a any ; The following paragraphs apply if you give security in connection with an ; amounts you owe us We will givo ycu nonce of any public disposition or the date after advance under the Plan. They apply to borrowers in all states except Louisiana. which a private disposition will be field. Our expenses for taking possession of and ! Louisiana borrowers will execute a separate security agreement. Borrowers in selling the property will be deducted from the money received from the sale Those I other states may also be asked to execute a separate security agreement. costs may include the cost of storing ilia property. prepar,rg I,. 'o( sa+e and attomey's B I THE SECURITY FOR THE PLAN - 'roll give us what is known as a security ' anknaplcy Cade tes to the extant permitted under state law or awarded under file interest in all property described in any receipt, voucher or other document you You must pay any amount !hat remains unpaid after the sate rnonev has been applied receive for an advance i`tila Advance"1. The security interest you give includes all ! to any unpaid balance under the Plar, You agree In pay interest on that amount al the accessions. Accessions are things which are ahached to or installed in the property ! same rate as the advance. or, it applicable, at the default role. &SClostid on the now or it) the future. The security :ntLfreSt also includes any replacements far the Addendum, until ttta± amount has been p7+d. property which you buy within 10 days of the Advance or any extensions, renewals ' The following paragraph applies only to Wisconsin borrowers: When you are in I or refinancing pt the Advan^,a. It also includes any money you recer,o from selling default and after expiration of any right you nave under applicable state taw to cure your i the property or front insurance you have on the property. It thr• value of the property default, we may require immediate payment of yorJr outstanding ban hal:anc:e circler the I decliners, you promise to give us more property as security if asked to do so. Flan and sank possession of property gi n as security You may ro?wltanfy give the `, WHATTHE SECURITY INTEREST COVERS/CROSS COLLATERAL PROVISIONS property to cis 9 yaU choose. or the may seek to take possession of the properly fry ? The security interest secures the Advance doscrlbfad in the receipt, voucher or any judicial process. If we repossess the properly, you agree to pay reasonable expanses elicit dacumenr you receive at (he time of [he Advance anct any "tensions, renct'rai Incurred in disprtrig of life property. 11 the property is a orator venic!e, mobile home, or refinancings of the Advanr..e. It also secures any other advances you have now trailer, snowmobile, boat or aircrah, you will also be required to pay any casts permineil or receive In the future under the Plan and any other amounts or loans, by Section 422.413 of the Wisconsin Statutes. You must pay any amount that ierifams including any credit card loan, you owe us for any reason now or in the future, unpaid after the sale money has been applied to what you owe under the Plan. You except any loan secured by your principal residence. If the property is household agree to pay interest on any unpaid amount at the same rate as the advance:. or. If goods as dafined by the Federal Trade Commission Cradit Practices Rule, the applicable, at the default rate disclosed nn the Addendum, until that amount is paid, property will secure only the Advance and not Otter amounts you awe. I It the property is located outside Wisconsin at the tlrne of default. we may take o remise that ro ert OWNERSHIP OF THE PROPERTY -You ou own all ? possession of the property wnrlout pidrial process d perrrme-d by the state where p y y u , y p p give as Security or it the Advance is to buy the property, you oromme you will use I the property is located. the Advance for that purpose. You promise that no one else has any interest in or i The following paragraph applies only to Louisiana borrowers: When you are in I claim against the property that you have riot already told is about. You promise not ! default, we can require immediate payment (acceleration) of The entire unpaid to sell or lease the property or to UW it as security for a loan with another creditor balance under the Plan. You waive any right you have 10 demand far payment, notice until the Advance is repaid. You promise you will allow no other security interest or of intent to accelerate and notice of acceleration. If immediate payment is lien to attach to the property either by your actions or by operation of law, demanded, you will continue to pay interest until what you (>%%a has been repaid at property PROPERTY INSURANCE, TAXES AND FEES -You must maintain the applicable interest rates in effect unless a detautt rate is disclosed on the antle r t he Ptan-You m property tha t you give ay f se t e all Addendum. If a demand for immediate payment has been made, the shares and e he grop to the Cre- Cre erty from anyone who dit the property insurance is acce ptable you choose deposits given as security for the Plan can be applied towards what you owe. We Union. The amount and coverage of the property insurance must be acceptable to can also exercise any other rights given by late when you are in default and our us. You may provide the property Insurance through a policy you already have. Of rights under any security agreements you have with us through a policy you get and pay for. You promise to make the insurance policy CANCELLING OR CHANGING THE PLAN - The following paragraph applies payable to us and to deliver the policy or proof of coverage to us if asked to do so. only to borrowers in lllinols: We have the right to change the forms of the Plan from i time to time after giving you any advance notice required by law. Any Change to the If you cancel your insurance arid get a refund, the have a right to the refund. It the interest rate or other charges will apply to future advances. properly is lost or darnaged, 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 Tire following paragraph applies only to borrowers in Wisconsin: We can check which may be payaNo to you in order for us to collect any refund or benefits change the terms of the Plan lion) time to time in accordance with Section .122.415 due under your insurance policy You also promise to pay all taxes and tees (like Of the Wisconsin StaltAeS. You will be rotlfled of any change in terms, An Increase registration fees) due on the property, in the daily periodic rate under a variable rale interest rate is riot considered a It you do not pay fife taxes or fees on the prdflorty when due or keep it insured, we may change in terms under the Plan, We can cancel the entire Plan or any part of the 1 pay these obligations, but we are riot required to do so Any money we spend for taxes, Plan at any time. You may cancel ine Plan at any time by giving us prlar vainer? i lees or insurance will be added to the unpaid balance :if Iha advance and you will pray notice. Your obligation to pay the unpaid balances under the Ir>rrns of the Plan interest on !hos6 amounts 3 the ante fate you agreed to pay on the advance. We may continues whether you or the credit union cancel the Plan, t3xaCrp' to the exte'nl that your liabiiity Is limited by Section 4224155 Of the Wisconsin Statutes receive payments in ronnectu t with ire u',wrance from a company which provides the insurance. We may monitor our leans for the purpose of determining whether you and The following paragraph applies only to borrowers in Iowa: We can change the i other borrrmrers have compiled wan the insurance requvernents of our taan agreements terms or the Plan from time 10 hinge Mier giving you any advance notice reel,,trti+d ny i or may engage others to oo so. The KISUfanCe change added loan advance may include law. A change that increases the rate of linance charge or ogler charge, th;al ] - (1) the insurance cn:npany 4 nnyrl Fnt ' to ,+5 alit i2 1the COSI OI d.•iC'rrn,nmg Mmplanr,C increases the arna,.rt of your payrle',is or that oth rvri:'.e iv.i r8:'ly affects ex:sting kith the insurance_ requirements it we rid :vnlaunis for taxes fees or insurnou :C tlte; ' balances will apply to existing h'a±ar:CeK only it you %groe to the change or you use uilpaiJ balance of art aClvan r, tke tnny ctease your payinerts to nay thr amniint the Plan after receiving notice that your use nl 'he Plan -tears you agree the added within the term of the rn t,rancc. or approximate term of the advance. change applies to existing balances INSURANCE NOTICE - it you do nut purch, Y the re j r6d properly insurance. The following paragraph applies to borrowers in all other states: We nave Ilia ' the insurnnce we may purctasa anti charge you for V,J cover only our Interest it the right to change the terms Of !r. Pl:rrl frC it 111:10 to lile ,r.r r ill r , ; ou ary .Id wlLe property. The premium f(,r INS nsurancr mny be r chc+ r ba:a:,se the rsurancc i notice required by law. Any chant inn the irNereat ra le viii! apply 10 future advances. company may nave given us the riyrn to purchase insurance alter uninsured and at cur o-,screhon anu sublect %o acy rnquue"%ent, of iwplicab:a !aw. w,li also collateral is lost or damaged The insurance will not be liability insurance and app'y to unpaid balances. will not satisfy any state financial responsibility or no fault laws. The following paragraph applies to all but Wisconsin borrowers: Ar.:ncreasc Ill PROTECTING THE SECURITY INTEREST - If Il state issues a litie for the vile daily poriooic r,--tie under a variabie n!eie-st rate not c.';ns,dervo a ,change. in i property, you prcrnlse a have L.u s?runty rear ,.t .,hStan On the tale. We may have trims urnel 'h, P.an. 1 a•. .1 cite P,ar r a..1 • :art ' t«,^_ +' - ?'-' ' to file t r, nt is cart n hoar,n 1 ;Y merit to r Iect ,,it c airy interest from the tic nv qv ly prior re,en ra r_. Your tine YOU may cane I L. PI_in d.. nv -! j . CIWITS of 'A hers I red .o On O r' u ctrorri>_ to sign it f rl lci'Ig sla(ement You obligauin to pay file L.npa d .mane os unacr e fr;r•f.? )I ,he P al,. crtlr.:t _ .' tither also croirtse to ]o wna!evFJr n „ nk IS necessary 10 Ira:ect our security ' you or the crod'! On on a+nce! the P!;" me pr potty You pirn ;L1; al r At? :n:.i!r inn licit not'Im![erl f,? arty' DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN - Vte c.,n de41V attorney foes. we incur in ;trotecling n,r recur r, irterasl and n;1-its .n vie proc?ity, untercing w" of rig, t.S P; fl o^y 1,,' 011 f ,.^.._ n,ut 1';, fill r-.` excaf pea n^!t•c! b, :,,a...:..b... ::... to Ih? LOANLINEW Credit and Security Credit Agreement (continued) USE OF PROPERTY - :rltl r Aj,,ancr. r ?a rn r. Pa cf' roil 5e v..i (1) J5e the prop9fty tarc•fuay aril l'eeo •! r. Jo,jd re: a:,r Ocfa:r 'Ut :,ffvr permission betGre mak'nq major chang,:s is J-. , grope, ty 01 cnan?'ng !tie a tArea>s , where the property :s i.p:. (3) Inform us r,.., ..:,q [erOrC C!?ang?rg your a,dresS ,;<: Allow us to irsoecl the property (5} Promptly solfy us it !'ie prop.-rty is den aged stolen or abused (Gi Not ;se the pr:,per:y for any r,:rpose 17) Not r reti'!•> property in anolher state m:hoJl Ibliul(i r.s NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE - THE MOTOR VEHICLE IN THIS TRANSACTION MAY BE SUBJECT TO REPOSSESSION. IF IT IS REPOSSESSED AND SOL:) TO SOMEONE ELSE, ! AND ALL AMOUNTS DUE TO THE SECURED PART '1 ARE NOT RECEIVED t; THAT SALE, YOU MAY HAVE 10 PAY rhF DIFFERENCE NOTICE FOR ARIZONA OWNERS OF PROPERTY -- !' •5 unla,-Jr,l for volt to U, I to return a motor vehicle Olaf is sur,;ect to a sec•Jnly lnt.;rest, moor thw,y days ahei you have received notice of default The notice 'stii oe maiied to :he address yc4 gave us. It is your responsibility to nNify us if your address changes Tne maximum 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 OUESTiONS 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 wlthin EO days following the dale on which we sent your statement wherein the error or problem first appeared regarding any discrepancy or unauthorized transactlons an your account. Failure to notify us may result in your acceptance of any responsibility ler payment or reimbursement to us for any such error cr disc:rcpancy on your account. Write to us as soon as possible You can telephone its, but doing so will not preserve your rights. In your letter, give us the following :nforntalfan 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 infotmawn, 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 scheduied to aecuc YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE - We must acknowledge your letter w•hthln 30 days, unless we have corrected the error by then. Within 40 (lays. we. must either correct. the error or explain why we believe the statement was correct. f!-rn::Y ")! _na -rt.1 ;tire ''i rat.lt - 'br -1 )r . till in Crron ,and. Jr a r. .;t $150,000 For those members who purchase a vehicle under the DRIVe Program, please review the following FTC Notice: NOTICE ANY. HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We cfrn confinue to send statements to you for the 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 trial 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 stave 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, J our explanation does not satisfy you and you write to us within ten days telling its that you still refuse to pay, vie must toll anyone we report you to that you have a question about your statement. And. vie must tell you the name of anyone we reoortod you to. We must tell anyone we report you to that the matter has been settl3,d between us when it finally is. If we don't follow these rules, we can't collect the first S5O of the questioned amount, even it 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 twill 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 stale or, if not within your home state, within too miles of your current marling address: and (b) The purchase price must have been more than $50. These limitations do riot apply it we own or operate the merchant, or if we mailed you the advertisement for the property or services. In this Agreement, the words you and your means each and all of those who apply Line only by written application to us, which must tie approved by our credit committee for the card or who signs this Agreement. Card means the Visa Credit Card and any or loan officer By giving you written notice we may reduce your Credit Line from time duplicates and renewals we issue. Account means your Visa Credit Card Line of to time, or with good cause, revoke your card and terminate this Agreement. Good Credit account with us. We, us, and ours means this Credit Union. cause includes your fakure to comply with this Agreement or any other agreement with 1. RESPONSIBIUTY - It we ssuo you a card, you agree to repay all dobts and the us, or our adverse reevaluation of your creditworthiness. You may also terminate this Finance Charge arising from the use of the card and the card account For example, Agreement at any time, but terminationn by either of us does net affect your obligation i y ) by yourself, your spouse and minor Children. you are responsible for charges made b to pay the account balance. i You are also responsible for charges made by anyone &ISO to whore you give the S. CREDIT INFORMATION - You authorize us to investigate your credit standing I card, and this responsibility continues until the card is recovered. You cannot disclaim when opening, renewing or reviewing your account, and you authorize us to disclose responsibility by notifying us, but we will close the a=)uht for new transactions if you information regarding your Account 11 Croon bureaus and other creditors who inquire so request and return all cards Your cbligation to pay the account balance continues of us about your credit standing even though an agreement, divorce decree or other court judgment to which we are I 6, MONTHLY PAYMENT - We. will maul you a statemenl every month Shiwing your no( a party rot:y direct you or one of Vie crtler persons responsible to pay the account. Previous Balances of purchases and cash advamAas, the current transactions on your The cards remain cur piot.xirty and you must recover and surrender to us all cards account, the remaining credit available under your Credit Line, tie New Balances of upon our request and upon tormnla',Or Of his Agreement purchases at id cash advanc as, the TotL-I New Balance the Finance Charge due to r tea 2. LOST CARD NOTIFICATION - It yr„ belwve the cam has hewn lost or stolen I and arty other billed foes, and the fllinimum Payment required. Every month you must pay you will immeciintely cal] Inc GredA Union, at (; t 7) 23441484 o: (800) 237 7328 Altair I at least tnc I,tinimttnl Payment w&tn 25 days of your statement closing date. By separate hours chit , 80,J; 556-°673 agreement you may authorize us to Chclge lh.' minimum payment automatically to your , Sri(:!fe it checkin,o account e .,.in a You may of tclurse, pay more frequotlily, pay more 3. LIABILITY FOR UNAUTHORIZED USE - y't, 1r;ten !o nobly us ,rnnled'atc , or i;: than the f: inirnu'n Payment or pay tr,e Total New Balance in full, and you will reduce the or ,n writing of the loss rhelt or :., 1 ar.tilonze7 n..! lr yqur C,eo,t Card. You may t>r !ia^A' fir jnc•? charge by doing 50. It your monthly p:ry n'enl CxCPP.dS the total credit fine ba1.3nCC ?. for the unautnofized use o' your Creoil Caro Y,u will 'lift be liabio for url.'IU ihtHir:,d tl a ',. M d we veil au:Om,3ti^atlly post the Cl-d'! to your S1 shares That occurs after you no rty us Or the k s t--_t, or Boss 1 urautI-ui,o aSA Y00 II ri,!- The minumrm payment wili be la) 2'„ of your T sal New Balance rounded up to the no Iuabil,ry:or ur' author e pure as ,e . nn y urr tar Can , tinle c wog are Jrass;;. , next even dollar. ,or lUl S20 DO v:'behr.•:rr i5 area ,:r in ;7ddit n at an time your Total y negligent to the hanrsr yg o vo.n Cat,! n-, ..•r, r:e? . yo.,r .,,i: n,,: exe -,d S5? , - New Etiarce er toads your L.ro,:d Lire,• lu must T rr d,atcry as Tr e e.cess upon our 4. CREDIT LINE - I ,vo pf,,:: Jr --t!rc, . will esstat,fy,r A sc! „_ .n7 pply payn _n•s n t , f -I .a, nanner firm ., previous late fe• s. replenishing Lire C' Cre J,t tpr you ano nC' -,,u cam! i:,s ::'nr,'urt ., ,•n .,: issue th then to prey:uj;, caasr, advirices f?nw.,e cliairgi:y. Iherl 10.? CVIUJS purCt,aSe hnance card. You acre,, ro' t0 f . "P 9^COC - C,:,r.nuC _)'CJBO I^ c ;,);'irC. ?0 '?'f.,a 1111,? 't 8,"•i (II ?nl ? I :;5 t'•.n Iii C!1gr,) hf,rI ti ^;fr: 1<itf.. ., sn rd:'ar',^.: ba ances then to payment VOL r^gke 09 !"r aCC.: ,rot .:.1 rt's1_ re your Oren t Llc^ ry t* r. rnOJr•t c t tag pryl^•Oi.S balance> rl the orc_•r If a• Iney wrare posted to yGUr ace JUrt. ,. cn Dav" anI IhE pr.Itt f : "lay r'vU(, ?: err rill _,:'C ?n r'0.1r l[p ICi1,11 P ,o Curent : ash -i i,,ancc ha'inuei; ar,I Ff•n '? c_lrrer,: ourr.,coe fi lar';"e5 e t 't rrej 'he >la L n lou 11 ra,'t I I Cc -j,, s ps 'u:nis"eh .t me t and Truth In Lendin Disclosure continued Visa' Credit Card A reenten d 2___._..______.______ .__.__..__._3.. __. .- ._......._ ( C, .w a,Cirr r. _ ------- ru J .., .ran.a_: c is 7. FINANCE CHARGES F Ls;,nr,. !;: singe -n p„rrh,a5 C., 'ia'rr- recc?raC4..^_har, :r ;rotit , . Paying the tali amCU Ina Nov, 611 a' n F ;rC i r :v Yn e. J 10. OVERDRAFT OPTION 1' yo : nic! t, air r your Pct J V s? Crr Ji; Of your State't'eni LL a da'_ Q.h<.rrnsu, J r4o,, D,ren:._ _f P;.rr_h.t:,_s. nr o tha' herd, . ,?'E.i.tU'1 S ?Jt,tc 1 C f.' fx ? c' m I :r?0 lrreF,r it r Dr„ L_t.5 s:osequecl purchases Irortl :i'e da•e they are posted t0 von jr aCrc,:nt.:.I tic' S ,b• t tend the r. rent loan policy ..1 ire Live ,f '.'?e CtE tuf<i t Yo-1 also :II:Jir .a•i Ihaf W t o Finance Charge. L ash <ar: anre5 are .lhvn 5 s,Xjer! 1 / lraltCC Ch /]e frith cver_f•alt be cons:defei the sa'T,e is a -a,h advan,r. ;n yo;ar P (Visa Credit diite tfwy are postej to yh..u ;a?ca-rt I I-r,. ce un t:ncl that tr.a c?.lrrent Annual Pcrcr.nta,.. Rate for r;as't atr:ancer, ,:'ll zippfy. Purchases: We calculate your fir:ance crlarge or rnuu p:peg the averaged ac;usted I 11. RETURNS AND ADJUSTMENTS - A'erchante; and ;!'ters ;vlv, norior the card daily balance (see espla-atio uel v). , ilud ng ne.v t urchasc•s, lot the billing cycle may give creel t for returns and aci}u tm2nt., and !hey w0l do so Ly send•nq is a by the monthly periodic our has rate and crrresp:,ndi:q ANNUAL PERCENTAGE „red r slap w''eleh we will post to your Visa line of err•da If ;our -relit and payn.ent> RATE as disclosed on the Addendum. exceed what you owe us, we w•i.l auloniat -.ally post the e,xress credit balance W Cash Advances: We calculate your finance r_.,aige: on cash advances try your S1 Shares tvtth:n 7 clays It ttlo b canna is cane collar n.r rnore. upon „?ur muhiptying the average adjusted daily nalarce i ce xC ?tna:,on below) for written request we will refund the c r ,li t ,Ian to you advdnces during the billing cycle by the n?on lily nreli, advanc E. rate aid I 12. FOREIGN TRANSACTIONS - ie exr to ige rI ::e t.,:.c;n r^ea trar'S30o,. corresponding ANNUAL PERCENTAGE RATE as u sc cse t on the Addendum. I Currency and the bitting cunercy used for processing interivional transactions is rate Balance Computation Method I selected by Visa from the range of rates available in whr iesaie currency markets for the Average Dairy Balance for Purchases - The Average Daily Balanco for Purchase 1 applicable central processing date. which rate may vary from ine rate Visa itself Trarsact,ons Is Calculated by adding the Daity Balances (Purchase Transaction) for receives, or a government-mandated rate in effect for the applicable central processing earn day in the billing cycle, and tr,en dividing by the number of days in the billing date. In each instance, an adjusimen! may be assessed based on the ISA tee impo,erl cycle. To calculate the Daily Balance for purchases each clay, we take the following by Visa. This tee, which totats 1"i, of the transaction amount, will bill assessed on all steps: We take the outstanding balance (all amounts you owa) At the start of the day. transactions where the merchant country differs from the country of the card issuer. i Then, in the sequence in which amounts are posted to your account, we add the 13. SPECIAL RULES FOR VISA PURCHASES - If you disagree or find an error amounts of all debits and subtract the amounts of all credits or payments which post with a Visa transaction, and have tried in good fifth to correct the problem with the, o your account ihat day A" r anpiyrng paymens and credits, we subtract the merchant or the charges are the result of uoa•ilhonzed or fraudulent use. or your amount 01 any unpaid Finance Charges or Late Chargas i hen we also subtract the purchase cost more than 350 and was made from a plan merchant in your state arnourd of any Casn Advance transactions that posted to your account on that ray or within 100 miles of your home. contaCl PSECU. f in any previous day in the billing cycle. This gives us the Daily Balance tot purchases. 14, DISPUTED TRANSACTIONS - You are required to notify PSECU in wrtiog Average Daily Balance br Cash Advarxvs - Crash Advance. Itansachons whxt'h ;Ire within 60 days following thr, date on which we sent your statement wherein the error ; posted to your account are riot Included in the Average Daily Balance calculation for '. or problem first appeared regarding any discrepancy or unnuthorizeci transaction on purchases. and are therefore not subject to the rnonthly periodic rate for purchases.I'ha your account. Telephoninq PSECU does not presorve your dlso,ne r qWs. You may Average Daily Balance is calculated separacy tar Cash Advances and is Subject to the ! be required to provide us with docamentatu,n to s:.ipporl your ;.Fspute c;a ms in Cash Advance Monthly Periodic Rate The Average Daily Balance for Cash Transactions j addition, you may be required to complete a standard dlsptae form outlining the 'i is Calculated by adding the Daily Balances tCash Transaclion) for each day in the bilfu'?g ! details of your dispute. In cases of fraudulent card use, PSECU will also require a cycle. and then dividing by the number of days in the billing cycie.'To calculate the Darty notanzerl affidavit. In some cases we may ask you to nobly the local authorities j Balance for cash each day, we take the following steps. We take Inc outstanding balance if vie do not receive the proper requested documentation in the time specified you 1 (all amourls you owe) at the start of the day. Then, in the sequence in which amounts may be held responsible for the lrar. nctiorgsi in question. PSECU must adhere 10 are posted to your account, we add me arnounts of all debits and subtract the amounts I strict dispute Irraframes set forth by V sal 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 Char{ .s I 15. SECURITY INTEREST - To secure your account, you grant us a purchase i Then we also subtract the amount of any Purchase Transactions that posted to your money security intarr,st under the Uniform Commercial Code In any goods ynu i account on that day or in any previous day in the billing cycle, This gives us the Daily I purchase mrougn the account. If you default, we will have the right to recover any of l Balance torCasn Advance Tr.,nsactiorls. Note: Cash Advances are always subject to these goods which we have not been paid for through our application of your a i finance charges and from the day they are posted to your account. payments in the manner described in the Monthly Payment sechon With respect to this account only. we will not assert any statutory right we may have it you are in , Payments are applied in the following manner: first to previous late fees, then to j default to prevent withdrawal of your unpledged credit union shares (Deposits) previous cash advances finance charges, then to previous purchase finance , below the unpaid balance of your account. However, if you give or have given us a charges, than to current late fees, than to previous cash advance balances, then to i specific pledge of your credit union shares lDeposils) by signing the Pledge of previous purchase balances in the order that they were posted to your account, then Shares or otherwise. or any other security interests for at! your debts. your account to current cash advance balances. and then to current purchase balances, Crodz!s I will be secured by your pledged shares (Depoelts) and by the property descrirrd in are applied first to the particular type of debt ,vnlch is being credited. it any, and then ! those other security agreements, except for your home. to the balance of your account. ( 16. EFFECT OF AGREEMENT - This Agreement is lie contract wrtlch applies to Note also that if the total of the payments and credits which are posted to your all transactions On your account even though the sales, cash advance, credit or account by the Payment Due Date shown on a statement is equal to or exceeds :ho other slips you sign or receive may Contain different terms We may amend the New Balance shown on that statement, we will not apply the Monthly Periodic Rate ? Agreement from time to time by sending you the advance written notice required by to your Account on your not statement, law. Your use of the card thereafter will Indicate your agreement to the amendments. 8. DEFAULT - You will be in default if you fail to make any Minimum Payment within To the extent the law permits, and we Indicate in our notice, amendments mil apply 25 days aher your monthly statement closing date. You authorize us to transfer funos to your existing account balance as well as to future transactions. sufficient to make the mimrnum payment due if your Visa loan is in default You ',vlll 17, LATE PAYMENT CHARGE - If your Minimum Payment is riot received by the ) also be in default if your ability to repay us is materially reduced by a change in your I first day of the month !ollow ing your d:io date, you wN be subject to a 520 charge. ernployment, an Increase in your obliga UOns, bankruotcy or insolvency proceedings 18. RUSH FEES -You may incw add tional Charges for nosh tin cessing and rush j involving you. your death or your fa,'lure tC abide by this Agreement or it ,no value of delivery of card, and or Pird mailer our Security interest materially J clin •s. We have the right to ?dernand immediate payment of yo_ir full account a once If you defautt s rh snit to our giving you any ` 19• OVER LIMIT FEE -A $20 f ,,e will he app :ed for earn neontttly stn tom ant dosing date f . notice requited oy la,v To the e eri permitted by taw, you .vil also be rNuired to pity I on which the outslindma balance rxa.e. !s t C as gnoc crOr,11 lima oy r C re, loan S t(d) our CCllecteon expenses. mclud lc '.Dort ;:os.s and rasonablr, aitoroey fees i 20. DRAFT COPIES - you may :nn.u a add oor;l ,r-air;e i'ar ransa:',-an 9. USING THE CARD - To lvtko a purchase or Cash advance, there are two sun,rnary'sale draft docur asntaCon. alternative procedures to be foliov:ed One s for you to present Ino Caro to :a 21. COPY RECEIVED - You ac:;n wtodge receipt of a -oriy of Its Agreen•ert par;icipaflng'Visa plan nti rcr,ant w another fmancrai institution, and sign fie sales 22. ILLEGAL TRANSACTIONS PROHIBITED - Yo, a I ?: riat you wail not us(: or cash advance draft Wh¢C!t Will be ?mpr;moil with your card. The Utner is to GOr?tpbSte your Card for any transaction that:, Of pal under appGrable federal, stare, Or local law the :ransacti n bv usl a iour Pi_rswra let rhficau:in Nonlber IPr") in nn1 rho:r: ,v tit the car„ ar Autom atea Teller Ma,;' Inc or other type of Lr ctrnn;C tcinmn?il lh;a i 23. NO USE - Iract:ve V it a .;u r f.<ai1 ha:e r- UtcP ace or Clan activity may prov des ace•it5s to r,L, visa svs1e n Yva.:...rr J 'flat tau PO' Us your Car(I f:+r n ,y be closed •mlho,.t notf`:e tra yo,i drier 18 rontt`ti of nn act:,.ity transact:on'rat r: ilega Mir-i rC ,Ir_abie federal state or tral , "re monu"y 29. NEURAL NETWORK - PSeG_t uses re,;rail network Sy,'em;'o F'.redrt aani ia'em6ni w,h ue, try r^.e .,. iari. V coon.;nv:. 1r rnirti pr f l.arcial n,;it „ton ?y CL'e'ni u"aut'" :rzvd iran:a_twrs. 'i.re nay be D:i 35 .na ;.n-'n i Ir',ar.s:Ic! 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E E u c w MM(MMMM mmm iV T vvvvv v 7 ?n )n'n)n)n hW) V)Mq),o O 0)1' - V O C c O H u °o °N uvo ma'-a 00E 3 O -° N v O c J o C C Q. a° Z+ 4) _O ` «103 N Y N°N cC O ? .. .? a0 p C U J.C c v O `Of K o v c?2 oa.cS >LCU > 1 091, c L O? N Jp >09c y c 000)nil?O N OR I, 1l'V O"V?MODOD ION-MM_O NNOIMOV C Ot 7 c S -Q? c den w E 0 E -OOOMION MOWNVN OOINION'7 MN-000, 0cO wNrn lol0 C E 2? „' ?yl OOO?n )n u1 V) V)•7?7v RMMMMM NNNNN N NNNNNN C C N E:` ° o O C O J ; 0)o °C 0°cE >J= J O --O aoJac 0 000000 000000 000000 000000 000000 do oLOc°a0?oo ?$vE>N° 0 o o= n m u 5- c 2> o? E u c `? J $ 0 M J 3 a- v v N ° yam NMV)n1o n ? O. O^N MV LO 1OnO O, O-NMV LOO I?ODPO !O C C O v C .N O ca rn E d v 0 F o c w •-NNNNN NNNNNN G M ?- L y O C u E L E 0 21 c J E 0c N 4) F- Qo v0 NEE„x.-rn °- Z? e m NESv' >> J C, 7 a L o oL v o L v v °s o ?,s v km F U ? a> aOL 0 ° as E _- _ E,_ r 22" 0`i 13 f 1f 4~78.50 Po ATN co 9Qg1e er* &334'13 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Fib rr-,_ r,..°,~,.. R Thomas Kline ~~ '_=. ..~ ,c: ' i ~`r Sheriff ,~ , ~~t : a, > >r,, - ._ .. , , . z ~t ` ,~ Ronny R Anderson "`~~ ~ r° t~ ~ y` J _ `,I ~: Chief Deputy - Jody S Smith ~- ~ - , Civil Process Sergeant ~ '~ ,,.-~{ Edward L Schorpp Solicitor Pennsylvania State Employees Credit Union Case Number vs. Brian J. Ginter 2009-7906 SHERIFF'S RETURN OF SERVICE 11/30/2009 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: Brian J. Ginter, but was unable to locate him in his bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant Brian J. Ginter. Nicole Baker current resident of 321 W. Main Street Apt. 1 Mechanicsburg, PA 17055 advised Deputies Brian J. Ginter is currently located at Dauphin County Work Release Center 919 Gibson Blvd., Steelton, PA 17113. .~-- .rte SHERIFF COST: $64.50 SO AN RS, November 30, 2009 j TH AS KLINE, SHERIFF ~, ,, 09-7906 ~~~~0~~ -7 P~~~ (~ ~p ~`~~~~ ~~~~~~ ~ ~~{~~• ~ it BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717)299-5201 Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff v. BRIAN J. GINTER, Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW No. 09-7906 PRAECIPE TO REINSTATE COMPLAINT TO THE PROTHONOTARY: Please reinstate the Complaint in the above-captioned action. BARLEY SNYDER LLC Shawn M. Long, Esquire Attorneys for Plaintiff Pennsylvania State Employees Court I.D. No. 83774 126 E. King Street Lancaster, PA 17602 717.299.5201 Union `~..J ~IO.oo Qp ~~ C~ ~a.50~45 TZ'~ ~lQa4a 3024637_1 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor ~a~,rtitp of ~ ~i rn~rr~r~'0 t~ - ~, c~F~Et~ -~c ~..r~r~~ Pennsylvania State Employees Credit Union vs. Brian J. Ginter Case Number 2009-7906 SHERIFF'S RETURN OF SERVICE 10/08/2010 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: Brian J. Ginter, but was unable to locate him in his bailiwick. He therefore deputized the Sheriff of Dauphin County, PA to serve the within Complaint and Notice according to law. 10/13/2010 Dauphin County Return: And now, October 13, 2010 I, Jack Lotwick, Sheriff of Dauphin County, Pennsylvania, do hereby certify and return, that I made diligent search and inquiry for Brian J. Ginter the defendant named in the within Complaint and Notice and that I am unable to find him in the County of Dauphin and therefore return same NOT FOUND. Defendant has not been apart of the Dauphin County Work Release Program since April 2010. SHERIFF COST: $37.00 October 18, 2010 SO ANSWERS, RON R ANDERSON, SHERIFF ;cJ GountySuite Sheriff, T'eieosoR. inr.. ~ ~ ~.,, ~ ~ -~ -~ ~ a -3 r- may,, ~ ~ ~~ ~~ za. ~ o~ ;~ ca ~ ~ ~~ ~ A ~ .~- ~~~.~Y.E II~ ~~~ ~~~rTf~ William T. Tully solicitor Dauphin County Harrisburg, Pennsylvania 17101 ph: (717) 780-6590 fax: (717) 255-2889 Charles E. Sheaffer Chief Deputy Michael W. Rinehart Assistant Chief Deputy Jack Lotwick Sheriff Commonwealth of Pennsylvania County of Dauphin BRIAN J GINTER Sheriff s Return No. 2010-T-3175 OTHER COUNTY N0.20097906 I, Jack Lotwick, Sheriff of the County of Dauphin, State of Pennsylvania, do hereby certify and return, that I made diligent search and inquiry for BRIAN 3 GINTER the DEFENDANT named in the within COMPLAINT and that I am unable to find him/her in the County of Dauphin, and therefore return same NOT FOUND, OCTOBER 13, 2010. DEFT WAS RELEASED FROM WORK RELEASE IN APRIL 2010 Sworn and subscribed to So Answers, before me this 14TH day of October, 2010 D~i~'~ ~ ~'"~~~ COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL Kazen M. Hoffman, Notary Public City of Harrisburg, Dauphin Counry M Commission Ex Tres Au ust 17, 2014 -, r ,~ PENNSYLVANIA STATE EMPLOYEES CREDIT UNION VS Sheriff of D phin County Pa. By Deputy Sheriff Deputy: S SCHAEFFER Sheriffs Costs: $50 10/12/2010 09-7906 BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 OF THE PROTHONOTARY 2610 NOV 23 PM 12: 09 CURLAND COUNTY PENNSYLVANIA Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. BRIAN J. GINTER, COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 09-7906 Defendant PRAECIPE TO REINSTATE COMPLAINT TO THE PROTHONOTARY: Please reinstate the Complaint in the above-captioned action. BARLEY SNYDER LLC 30246371 Attorneys for Plaintiff Pennsylvania State En Court I.D. No. 83774 126 E. King Street Lancaster, PA 17602 717.299.5201 Credit Union © ?D all 40' ?? i? SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor Pennsylvania State Employees Credit Union vs. Brian J. Ginter Case Number 2009-7906 SHERJFF'S RETURN OF SERVICE 12/01/2010 03:34 PM - Sheldon Marshal, Deputy Sheriff, who being duly sworn according to law, states that on December 1, 2010 at 1534 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Brian J. Ginter, by making known unto Nicole Baker, adult in charge at 321 W. Main Street, Apartment 1 Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and at the same time handing to er personally the said true and correct_.cQpy of the same. ?.? o SHELDON MARSHAL, DEPUTY SHERIFF COST: $50.50 SO ANSWERS, December 06, 2010 RONW R ANDERSON, SHERIFF -OFFICE 011" THELPROTHONTARY 2010 DEC -8 PM 3; 4H CUMBERLAND COUNTY PENNSYLVANIA r BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 2 C.u"?gERL ADD OO??d? `+ 42 Ft1_ED-oN?mp AR`s Of PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. BRIAN J. GINTER, Defendant 09-7906 Attorneys for Plaintiff Pennsylvania State Employees Credit Union COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 09-7906 PRAECIPE FOR JUDGMENT" Enter Judgment in favor of Plaintiff, Pennsylvania State Employees Credit Union and against Defendant, Brian J. Ginter for want of an answer in the amount of $20,797.59 plus interest and costs of suit. (X) I certify that the foregoing assessment of damages is for specified amounts alleged to be due in the complaint and is calculable as a sum certain from the complaint. ( ) Pursuant to Pa. R.C.P. 237 (notice of praecipe for final judgment or decree), I certify that a copy of this praecipe has been mailed to each other party who has appeared in the action or to his/her Attorney of Record. 31057441 C IN's` 030 # `clj 09-7906 (X) Pursuant to Pa. R.C.P. 237.1, I certify that written notice of the intention to file this praecipe was mailed or delivered to the party against whom judgment is to be entered and to his/her Attorney of Record, if any, after the default occurred and at least ten days prior to the date of the filing of this praecipe and a copy of the notice is attached. BARLEY SNYDER LLC Date: By: _zz .... ..... Aawn M. Long, Esq re Court I.D. No. 8377 Attorneys for Plai tiff Pennsylvania State Employees Credit Union 126 East King Street Lancaster, PA 17602 (717) 299-5201 NOW, 2011, JUDGMENT IS ENTERED AS ABOVE. Prothonotary/Clerk, Civil Division By: 31057441 09-7906 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY OFFICE OF THE PROTHONOTARY CARLISLE, PA TO: Brian J. Ginter Defendant YOU ARE HEREBY NOTIFIED that Pennsylvania State Employees Credit Union has caused a judgment by default to be entered against you with the Prothonotary of Cumberland County. The judgment was entered on 01, to No. 09-7906 with the Court of Common Pleas of Cumberland County - Civil Division. The judgment is in the amount of $20,797.59 plus costs of suit. PROTHONOTARY By: 3105744 1 09-7906 BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. BRIAN J. GINTER, Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 09-7906 AFFIDAVIT THAT THE DEFENDANT IS NOT IN THE MILITARY SERVICE, PURSUANT TO "SOLDIERS AND SAILORS" CIVIL RELIEF ACT OF 1918, RE-ENACTED 1940 The undersigned, Shawn M. Long`Esquire, doth depose and say that Brian J. Ginter, the Defendant is not in the Military or Naval Service, based on the following facts: Age of Defendant is unknown; Present place of employment is unknown; Last known place of Residence is 321 W. Main Street, Mechanicsburg Pennsylvania 17055 as of the date of this affidavit. ADDITIONAL FACTS, if any. The statements set forth in this affidavit are made subject to the penalties of 18 Pa. C.S. §4904, relating to unsworn falsification to authorities. BARLEY SNYD R. LLC By: Shawn M. Long, Esquir Attorneys for Plaintiff Court I.D. No. 83774 126 E. King Street Lancaster, PA 17602 717.299.5201. 31057441 09-7906 BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. BRIAN J. GINTER, Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 09-7906 AFFIDAVIT OF SERVICE Kelly Cunneen, Paralegal, doth depose and say that she served a true and correct copy of the 10-Day Default Notice upon Brian J. Ginter at 321 W. Main Street, Mechanicsburg, Pennsylvania 17055 by regular mail on December 23, 2010 at 5:00 p.m. The statements set forth in this Affidavit are made subject to the penalties of 18 Pa. C.S. §4904, relating to unsworn falsification to authorities. BARLEY SNYDER. LLC '-? , C ?J'L" Date: December 23, 2010 By: Kelly Cunnee aralegal 126 East King Street Lancaster, PA 17602-2893 717.299.520'.1 30935801 09-7906 BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. BRIAN J. GINTER, Defendant Attorneys for Plaintiff Pennsylvania State Employees Credit Union COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 09-7906 To: Brian J. Ginter Date of Notice: December 23, 2010 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE FOLLOWING OFFICE SET FORTH 30935801 09-7906 BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Lawyer Referral Service 32 South Bedford Street Carlisle, PA 17013 800.999.9108 BARLEY SN By: Shawn M. Long, Es ire 4 Court I.D. No/reet Attorneys for iff, Pennsylvania Employees Credit Union 126 E. King S Lancaster, PA 17603 717.299.5201 30935801