HomeMy WebLinkAbout10-0251
FILED-OFFICE
OF THE , ,On?D,NOTARY
2010 JAN -8 AM 8: 19
IN THE COURT OF COMMON PLEA n ..., , INN
CUMBERLAND COUNTY, PENNSYLVA 'a?? *•+S`.V%
WI
PENNSYLVANIA STATE EMPLOYEES NO. JD - ab ( &jlt l erm
CREDIT UNION,
Plaintiff
VS.
MARY JANE GALITSKY
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
4Qa.oo Pp ftTN
ce E00(03/a0aaq
e 255q'7A
Document #: 180057.1
EN LA CORTE DE ALEGATOS COM UN DEL CONDADO DE CUMBERLAND,
PENNSYLVANIA
PENNSYLVANIA STATE EMPLOYEES NO.
CREDIT UNION,
Plaintiff
VS.
MARY JANE GALITSKY
Defendant CIVIL ACTION -LAW
AV I S O PARA DEFENDER
Conforme a PA Num. 1018.1
USTED HA SIDO DEMANDO/A EN LA CORTE. Si usted desea defender conta la
demanda puestas en las siguientes paginas, usted tienen que tomar acci6n dentro veinte (20) dias
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 INFORMACI6N DE COMO
CONSEGUIR UN ABOGADO.
SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE
PROVEERE INFORMACI6N ACERCA AGENCIAS QUE PUEDAN OFRECER
SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN 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.
MARY JANE GALITSKY
Defendant
NO. /Q rI
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, Mary Jane Galitsky, is an adult individual with a last known address
of 301 Norman Road, Camp Hill, PA 17011.
3. Defendant is, and at all relevant times material hereto has been, the primary loan
applicant.
4. Defendant applied to Plaintiff for a personal service and Visa loan.
5. The application submitted by Defendant was approved by Plaintiff.
6. 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
Document #: 180057.1
Credit and Security Agreement is attached hereto, incorporated herein and marked as Exhibit
«B„
7. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms
and conditions of the Contract marked as Exhibit "B".
8. Various charges and payments were made by Defendant on the account.
9. Defendant has defaulted on the loan by failing to make timely and regular
payments.
10. The last payment made by Defendant was on May 30, 2008.
11. Defendant was required under the contract to make regular and timely payments.
12. Plaintiff has maintained a statement of account keeping an accurate and running
amount of debits and credits made on Defendant's account.
13. Plaintiff has submitted to Defendant a copy of the statement of account accurately
showing all debits and credits for transactions with Defendant.
14. Defendant has not objected to any of the monthly statements of account submitted
by Plaintiff to Defendant.
15. Despite Plaintiff's reasonable and repeated demands for payment, Defendant have
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.
16. As of January 5, 2010, the balance due, owing and unpaid on Defendant's loan
account with Plaintiff is the sum of Eight Thousand Five Hundred Ninety Dollars and 35/100
($8,590.35).
Document #: 180057.1
17. 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.
18. 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.
19. For purposes of this action, Plaintiff believes, and therefore avers, that One
Thousand Six Hundred Forty-eight Dollars and 57/100 ($1,648.57) 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.
20. Any and all conditions precedent to the bringing of this action has been performed
by Plaintiff.
21. 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,
Mary Jane Galitsky, in the amount of Ten Thousand Two Hundred Thirty-eight Dollars 92/100
($10,238.92), plus interest, the costs of this action, and such other relief as the Court deems just
and proper.
Respectfully submitted,
VAN ECK & VAN ECK, P.C.
By:
Melissa L. Van Eck, Esquire
Attorney I.D. No. 85869
7810 Allentown Blvd, Suite B
Harrisburg, PA 17112
717.540.5406
Document #: 180057.1
VERIFICATION
I, Gregory R. Diffenderfer; Manager of the Pennsylvania State Employees Credit Union
verify that the statements made in the aforegoing document are true and correct. I understand
that false statements herein are made subject to the penalties of 18 Pa.C.S. §4904, relating to
unworn falsification to authorities.
Pennsylvania State Employees Credit Union
By:
?,?
Title: ?O k tfG 50A & A IfsCt77-
Date: Ps-i 0
Exhibit "A"
PERSONAL SERVICE LOAN AND VISA ACTIVATION NOTICE
February 10, 1919
0
Loan
Information: SS #:
Ref #:
Approval Amount: $8,000
Home Telephone #:
Applicant: MARY GALITSKY
Co-applicant: JOEL GALITSKY
Co-applicant SS #:
Work Telephone #:
Signatures: We acknowledge receipt of the PSECU LOANLINER Disclosure and Credit
Agreement and agree to be bound by the terms set forth in said agreement.
Signatur f ARY GALITSKY Date
nk&
CIn hire n . 0 _ ALlTS ate
NOTICE TO CO-APPiOANT. The Co-applicant is a person who is responsible for the entire debt. The Co-applicant wig also be
obligated to pay fees and collection costs if any. PSECU can collect this debt from the Co-applicant without first trying to collect from
the Applicant. PSECU can use the same collection methods against the Co-applicant that can be used against the Applicant. If this
debts ever In default, that fact may become apart of the Co-applicant's credit history. Asa Co-applicant you should make certain that
you want to accept the responsibility for paying the entire debt.
• I would like an immediate PSL dvance of PURPOSE:, pac,?_(' )??{•f
Send a ? check, or deposit to my S4 (MoneyHandler/Checking Shares)
e Select our Personal Service Loan repayment option.
Payroll deduction ? Automatic Transfer ? Direct Payment ? Homebanking
Self Service Telephone
• IR want ? do not want overdraft protection from my Personal Service Loan.
• I would like an immediate VISA advance of $ . PURPOSE:
Send a ? check, or deposit to my S4 (MoneyHandler/Checking Shares)
• You may have one additional card issued'on your VISA account. Indicate your choice below:
? Please Issue an additional card (with the same VISA number as mine) in the name of the co-applicant, JOEL
GALITSKY.
? 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 I made them. Authorized card holders may not order
replacement cards or obtain VISA account information (i.e. detailed transactions, balance Information, payment
activity). MARY GALITSKY must sign below.
Name of A thorized Card Holder igna ur q R LITSKY
Personal Identification Number
Your PIN must be either four digits or four letters. Please do not use the letters Q or Z as part of your PIN. Please record
your PIN in a safe place.
SCAfVNED
Exhibit "B"
PSN91 Pennsyit-4nia State Employees ?_ -edit Union
PO. Box 67013 O Harrisburg, PA 17106-7013 O (717) 234.8484 Harrisburg, (800) 237-7328 Nationwide
Loan Disclosures
This LOANLINER3 Credit and Security Agreement, which includes the Truth in
Lending Disclosures, will be referred to as the Plan. The Plan documents include
this Agreement and an Addendum. You, your and borrower mean any person who
signs the Plan. Credit Union, we, our and us mean PSECU or anyone to whom the
Credit Union transfers its rights under the Plan. This is a multi-state document which
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 the
different types of credit (called "subaccounts") available under the Plan, the current
interest rate for each subaccount expressed as a daily periodic rate and
corresponding annual percentage rate and other charges. It may also have other
terms and a schedule for determining the payment amounts.
2. CREDIT LIMIT - We may, but do not have to, establish a credit limit on certain
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 last day of the month unless we set a different
date at the time of an advance. If the Addendum has no payment schedule for a
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. If you have a joint share
draft account, you will be responsible for paying all overdraft advances obtained by
a joint holder of the share draft account. Payments will be applied in the order the
Credit Union chooses.
4. PLAN ACCESS -You can obtain credit advances in any manner authorized by
us. If we allow you to use your ATM/Debit card to access the Plan, you may be liable
for the unauthorized use of your ATM/Debit 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 ATM/Debit card has been lost or
stolen, immediately inform the Credit Union by calling or writing us at the telephone
number or address that appears elsewhere in the Plan. If the card is used to obtain
advances directly from the Plan, your liability will not exceed $50. If the unauthorized
withdrawal is from a share draft account, your liability is governed by the Regulation
E disclosures you received at the time you received your 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 in the future.
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 shares and deposits.
Additional security may be required depending on the subaccount under which an
advance is requested. For example, a subaccount called "New Car Advances"
means the security will be a new car. A subaccount called "Other Secured
Advances" means you must offer security acceptable to the Credit Union for the
advance. Property given as security for any advance under the Plan will secure all
other amounts you owe under the Plan or under any other Agreement with us now
or in the future. Property securing other loans with us may also secure the Plan.
However, if you have given your dwelling as security for a loan with us, that dwelling
will not secure an advance made under the Plan.
7. PROPERTY INSURANCE,TAXES AND FEES -You will be required to purchase
property insurance on certain types of security that you give for advances. You may
purchase the property insurance from anyone you choose who is acceptable to the
Credit Union. The amount and coverage of the property insurance must be acceptable
to us. You may provide the property insurance through a policy you already have, or
through a policy you get and pay for. You promise to make the insurance policy
payable to us and to deliver the policy or proof of coverage to us if asked to do so.
If you cancel your insurance and get a refund, we have a right to the refund. If the
property is lost or damaged, we can use the insurance settlement to repair the
property or apply it towards what you owe. You authorize us to endorse any draft or
check which may be payable to you in order for us to collect any refund or benefits
due under your insurance policy. You promise to pay all taxes and fees (like
registration fees) due on the property and to keep the property insured against loss
and damage.
If you do not pay the taxes or fees on the property when due or keep it insured, we
may pay these obligations, but we are not required to do so. Any money we spend
for taxes, fees or insurance will be added to the unpaid balance of the advance and
you will pay interest on those amounts at the same rate you agreed to pay on the
advance. We may receive payments in connection with the insurance from a
company which provides the insurance. We may monitor our loans for the purpose
of determining whether you and other borrowers have complied with the insurance
requirements of its loan agreements or may engage others to do so. The insurance
charged added to your advance may include (1) the insurance company's payments
to us and (2) the cost of determining compliance with the insurance requirements. If
we add amounts for taxes, fees or insurance to the unpaid balance of your advance,
we may increase your payments to pay the amount added within the term of the
insurance or approximate term of the advance.
8. NOTICE - If you do not purchase the required property insurance, the insurance
we may purchase and charge you for will cover only our interest in the property. The
insurance will not be liability insurance.
9. CREDIT INSURANCE - Credit life and/or 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. If the rates change, we will provide any notices
required by applicable law.
10. PERIODIC STATEMENT - On a regular basis you will receive a statement
showing all transactions under the Plan during the period covered by the statement.
Statements and notices will be sent to you at the most recent address you have
given us in writing. Unless applicable law requires notice to each joint borrower,
notice to any one of you will be notice to all.
11. JOINT ACCOUNTS - If this is a joint account, each of you is individually and
jointly responsible for paying all amounts owed. That means we can enforce our
rights under the Plan against any one of you individually or against all of you
together. 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 yo i authorizes the other(s) to obtain advances individually and agrees to repay
advab%es made to the other(s).
12.: EES 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
may also charge you other fees in connection with the Plan. Those fees are
disclosed on the Addendum and will be added to your loan balance unless you pay
them in cash.
13. UPDATING CREDIT INFORMATION -You promise that you will promptly give
us written notice if you move, change your name or employment, or if any other
information you provided to us changes. Upon our request you also agree to provide
us updated financial information.
14. DEFAULT - The following paragraph applies to borrowers in Idaho,
Kansas, Maine and South Carolina: You will be in default if you do not make a
payment of the amount required when it is due. You will also be in default if we
believe the prospect of payment, performance, or realization on any property given
as security is significantly impaired.
The following paragraph applies only to borrowers in Wisconsin: You will be in
default if you fail to make a payment when due two times during any 12-month
period. You will be in default if breaking any promise made under the Plan materially
impairs your ability to repay what you owe. You will also be in default if breaking any
promise made under a Security Agreement made in connection with an advance,
materially impairs the condition, value, or protection of or our right in the property you
gave as security.
The following paragraph applies only to borrowers in lowa: You will be in default
if you are more than 10 days late in making a payment. You will also be in default if
OCUNA MUTUAL GROUP, 1980, 82, 64, 86, 89, 97, ALL RIGHTS RESERVED PSECU FORTS :3146
LOANLiNER' Credit and Security Credit Agreenr r. (continued)
you do rot comply .vith the terms of the Plan andI, failure to comply materially
impairs any property you gave as security Of your ability to repay what you o,,ve
under the Plan.
The following paragraph applies to borrowers in all other states: You will be in
default if you do not make a payment of the amount required when it is due. You will
be in default if ycu break any promise you made under the Plan or if anyone is in
default under any security agreement made in connection with an advance under
the Plan. You will be in default if you die, file for bankruptcy, become insolvent, if you
make any false or misleading statements in any credit application or update of credit
information, or if something happens we believe may substantially reduce your
ability to repay what you owe. You will also be in default under the Plan if you are in
default under any other loan agreement with us.
15. 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 entire unpaid
balance under the Plan without giving you advance notice.
The following paragraph applies to borrowers in all other states except,
Wisconsin and Louisiana: When you are in default, we can require immediate
payment (acceleration) of the entire unpaid balance under the Plan. You waive any
right you have to demand for payment, notice of intent to accelerate and notice of
acceleration.
The following paragraphs apply to borrowers in all states except, Wisconsin
and Louisiana: If immediate payment is demanded, you will continue to pay interest
until what you 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 property at a time
and place we choose. We will not be responsible for any other property, not covered
by this Agreement, that you leave inside the property or that is attached to the
property. We will try to return that property to you or make it available to you to claim.
After we have possession of the property, we can sell it and apply the money to any
amounts you owe us. We will give you notice of any public sale or the date after which
a private sale will be held. Our expenses for taking possession of and selling the
property will be deducted from the money received from the sale. Those costs may
include the cost of storing the property, preparing it for sale and attorney's fees to the
extent permitted under state law or awarded under §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 property is a motor vehicle, mobile home, trailer, snowmobile,
boat or aircraft, you will also be required to pay any costs permitted by Srction
422.413 of the Wisconsin Statutes. It/
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 Plan. You
Naive any right you have to demand for payment, notice of intent to accelerate and
iotice of acceleration. If immediate payment is demanded, you will continue to pay
nterest until what you owe has been repaid at the applicable interest rates in effect
mless a default rate is disclosed on the Addendum. If a demand for immediate payment
ias been made, the shares and deposits given as security for the Plan can be applied
owards what you owe. We can also exercise any other rights given by law when you are
n default and our rights under any security agreements you have with us.
18. CANCELLING OR CHANGING THE PLAN - The following paragraph
applies only to borrowers in Illinois: We have the right to change the terms of
he Plan from time to time after giving you any advance notice required by law. Any
;hange to the interest rate or other charges will apply to future advances.
fhe following paragraphs apply only to borrowers in Wisconsin: We can
:hange the terms of the Plan from time to time in accordance with Section 422.415
if the Wisconsin Statutes. You will be notified of any change in terms. An increase
i the daily periodic rate under a variable rate interest rate is not considered a
hange in terms under the Plan.
Ve can cancel the entire Plan or any part of the Plan at ary time. You may cancel
ie Plan at any time by giving us prior written notice. Your obligation to pay the
npaid balances under the terms of the Plan continues whether you or the credit
nion cancel the Plan, except to the extent that your liability is limited by Section
22.4155 of the Wisconsin Statutes.
The following paragra oplies only to borrowers in Iowa: We can change the
terms of the Plan from i ;o time after giving you any advance notice required by
law. A change that increases the rate of finance charge or other charge, that
increases the amount of your payments, or that otherwise adversely affects existing
balances will apply to existing balances only if you agree to the change or you use
the Plan after receiving notice that your use of the Plan means you agree the
change applies to existing balances.
The following paragraph applies to borrowers in all other states: We have the
right to change the terms of the Plan from time to time after giving you any advance
notice required by law. Any change in the interest rate will apply to future advances,
and at our discretion, and subject to any requirements of applicable law, will also
apply to unpaid balances.
The following paragraph applies to all borrowers other than Wisconsin
borrowers: An increase in the daily periodic rate under a variable interest rate is not
considered a change in terms under the Plan. We can cancel the entire Plan or any
part of the Plan at any time. You can cancel the Plan at any time. Your obligation to
pay the unpaid balances under the terms of the Plan continues whether you or the
Credit Union cancel the Plan.
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, including any credit card loan, you
owe us for any reason now or in the future, except any loan secured by your principal
residence. If the property is household goods as defined by the Federal Trade
Commission Credit Practices Rule, the property will secure only the Advance and
not other amounts you owe.
23. OWNERSHIP OF THE 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 sell or lease the
property or to use it as security for a loan with another creditor until the Advance is
repaid. You promise you will allow no other security interest or lien to attach to the
property either by your actions or by operation of law.
24. PROTECTING THE SECURITY INTEREST - If your state issues a title for the
property, you promise to have our security interest shown on the title. We may have
to file what is called a financing statement to protect our security interest from the
claims of others. If asked to do so, you promise to sign a financing statement. You
also promise to do whatever else we think is necessary to protect our security
interest in the property.
25. USE OF PROPERTY - Until the Advance has been paid off, you promise you
will: (1) Use the property carefully and keep it in good repair. (2) Obtain our written
permission before making major changes to the property or changing the address
where the property is kept. (3) Inform us in writing before changing your address. (4)
Allow us to inspect the property. (5) Promptly notify us if the property is damaged,
stolen or abused. (6) Not use the property for any unlawful purpose.
26. NORTH DAKOTA NOTICE TO BORROWERS PURCHASING A MOTOR
VEHICLE.THE MOTOR VEHICLE IN THIS TRANSACTION MAY BE SUBJECTTO
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 contains important information about your rights and our responsibilities against your credit limit. You do riot have to pay any questioned amount while we are
under the Fair Credit Billing Act. I investigating, but you are still obligated to pay the parts of your statement that are
NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUTYOUR STATEMENT not in question.
If you think your statement is wrong, or if you need more information about a If we find that we made a mistake on your statement, you will not have to Pay any
transaction on your statement, write uS on a separate sheet at the address listed on ! finance charges related to any questioned amount. If we didn't make a mistake
you
your statement. Write to us as soon as possible. We must hear from you no later i
than 60 days after we sent you the first statement on which the error or problem ,
may have to pay finance charges, and you will have to make up any missed
payments on the questioned amount. In either case, we will send you a statement
appeared. You can telephone us, but doing so .vill not preserve your rights. of the amount you owe and the date that it is due.
In your letter, give us the following information: If you fail to pay the amount that we think you owe
we may report you as delin
uent
Your name and account number.
I ,
q
.
However, if our explanation does not satisfy you and you write to us within ten days
The dollar amount of the suspected error. telling us that you still refuse to pay, we must tell anyone we report you to that you
Describe the error and explain, if you can, why you believe there is an error. have a question about your statement. And, we must tell you the name of anyone
If you need more information, describe the item you are not sure about. we reported you to. We must tell anyone we report you to that the matter has been
settled between us when it finally is.
If 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 If we don't follow these rules, we can't collect the first S50 of the questioned amount,
wrong. To stop the payment your letter must reach us three business days before the even if your statement was correct.
automatic payment is scheduled to occur. SPECIAL RULE FOR CREDIT CARD PURCHASES - If you have a problem with
YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR the quality of property or services that you purchased with a credit card, and you
have tried in good faith to correct the problem with the merchant
you may have the
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 ,
right not to pay the remaining amount due on the property or services. There are two
,
explain why we believe the statement was correct. limitations on this right: (a) You must have made the purchase in your home state,
within 100 miles of your current mailing address; and (b) The purchase price must
After we receive your letter, we cannot try to collect any amount you question, or have been more than $50.
report you as delinquent. We can continue to send statements to you for the amount These limitations do not apply if we own or operate the merchant
or if we mailed
you question, including finance charges, and we can apply any unpaid amount ,
you the advertisement for the property or services.
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.
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 issue 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
3ther agreement with us, or. our adverse reevaluation of your creditworthiness. You
'nay also terminate this Agreement at any time, but termination by either of us does
iot 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
:ermination of this Agreement.
i. CREDIT INFORMATION - You authorize us to investigate your credit standing
Nhen opening, renewing or reviewing your account, and you authorize us to disclose
nformation regarding your account to credit bureaus and other creditors who inquire
)f us about your credit standing.
i. MONTHLY PAYMENT - We will mail you a statement every month showing
,our Previous Balances of purchases and cash advances, the current transactions
m your account, the remaining credit available under your Credit Line, the New
ialances of purchases and cash advances, the Total New Balance, the Finance
'harge due to date, and any other billed fees, and the Minimum Payment required.
:very month you must pay at least the Minimum Payment within 25 days of your
tatement closing date. By separate agreement you may authorize us to charge the
ninimum payment automatically to your share or checking account with us. You may,
,f course, pay more frequently, pay more than the Minimum Payment, or pay the
btal New Balance in full, and you will reduce the finance charge by doing so.
'he minimum payment will be (a) 2% of your Total New Balance, rounded up to the
ext even dollar, or (b) $20.00, whichever is greater. In addition, at any time your Total
lew Balance exceeds your Credit Line, you must immediately pay the excess upon our
emand. 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 New Balance of Purchases each month within 25 days of your
statement closing date. Otherwise, the New Balance of Purchases, and the
subsequent purchases from the date they are posted to your account, will be subject
to Finance Charge. Cash advances are always subject to Finance Charge from the
date they are posted to your account.
Purchases: We calculate your finance charge by multiplying the average adjusted
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 rate.
Balance Computation Method
Average Adjusted Daily Balance for Purchases - The Average Adjusted Daily
Balance for Purchase Transactions is calculated by adding the Adjusted Daily
Balances (Purchase Transaction) for each day in the billing cycle, and then dividing
by the number of days in the billing cycle, To calculate the Adjusted Daily Balance
for purchases each day, we take the following steps: We take the outstanding
balance (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 and credits, we subtract the amount of any unpaid Finance
Charges or Late Charges. Then we also subtract the amount of any Cash Advance
transactions that posted to your account on that day or in any previous day in the
billing cycle. This gives us the Adjusted Daily Balance for purchases.
Average Adjusted Daily Balance for Cash Advances - Cash Advance Transactions
which are posted to your account are not included in the Average Adjusted Daily
Balance calculation for purchases, and are therefore not subject to the monthly
periodic rate for purchases. The Average Adjusted Daily Balance is calculated
separately for Cash Advances and is subject to the Cash Advance Monthly Periodic
Rate. The Average Adjusted Daily Balance for Cash Transactions is calculated by
adding the Adjusted Daily Balances (Cash Transaction) for each day in the billing
cycle, and then dividing by the number of days in the billing cycle. To calculate the
Adjusted Daily Balance for cash each day, we take the following steps: We take the
outstanding balance (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 and credits, we subtract the amount of
any unpaid Finance Charges or Late Charges. Then we also subtract the amount of
any Purchase Transactions that posted to your account on that day or in any
previous day in the billing cycle. This gives us the Adjusted Daily Balance for Cash
Advance Transactions. Note: Cash Advances are always subject to finance
charges and from the day they are posted to your account.
Payments are applied in the following manner: first to previous late fees, then to
previous cash advances finance charges, then to previous purchase finance
charges, then to current late fees, then to previous cash advance balances, then to
previous purchase balances in the order that they were posted to your account, then
to current cash advance balances, and then to current purchase balances. Credits
are applied first to the particular type of debt which is being credited, if any, and then
to the balance of your account.
VISA' Credit Card Agreement and Truth In Lendr. isclosure (continued)
Note also that if the total of the payments and credits which are posted to your
account by the Payment Due Date shown on a statement is equal to or exceeds the
New Balance sho;;n on that statement, we will not apply the Monthly Periodic Rate
to your Account on your next statement.
8. DEFAULT - You v ill be in default if you fail to make any Minimum Payment
within 25 days after your monthly statement closing date. You will also be in default
if your ability to repay us is materially reduced by a change in your employment, an
increase in your obligations, bankruptcy or insolvency proceedings involving you,
your death or your failure to abide by this Agreement, or if the value of our security
interest materially declines. We have the right to demand immediate payment of your
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 pay our collection
expenses, including court costs and reasonable attorney fees.
9. USING THE CARD - To make a purchase or cash advance, there are two
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. 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 verify the monthly statement. The Credit Union may make a reasonable
charge for photocopies of slips you may request.
10. RETURNS AND ADJUSTMENTS - Merchants and others who honor the card
may give credit for returns and adjustments, and they wilt do so by sending us a
:redit 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.
li. FOREIGN TRANSACTIONS - Purchases and cash advances made in foreign
:ountries and foreign currencies will be billed to you in U.S. dollars. The conversion
OONEY ACCESS CARD CARDHOLDER AGREEMENT - The Undersigned (you
)r your), in consideration of THE PENNSYLVANIA STATE EMPLOYEES CREDIT
1NION (we, our and us) issuing to you a MONEY ACCESS CARD, hereby agree
o be legally bound by the following terms and conditions. You agree that the use of
,our MAC card(s) constitutes acceptance of the terms and conditions of this
kgreement. You understand that MAC" is a credit-related service and you authorize
'SECU to obtain a credit report on any users of this account.
Accounts and Uses of MONEY ACCESS CARD
You have the account(s) (including Checking and Regular Shares), which we set
forth on your application form with this Agreement. You hereby request that we
issue to you one or more MONEY ACCESS CARD(s) to be used in connection
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 SYSTEMO 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, if permitted by the
Merchant, you shall be requesting us to withdraw funds in the amount of such
Purchase (including any cash received from the Merchant) from your Checking
Shares and directing or ordering us to pay such funds to the Merchant.
You request that we will provide to you such other services or access to other ATM
systems or networks using the 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 additional accounts of yours
through the MONEY ACCESS CARD we have issued to you. You agree that the
uses of the MONEY ACCESS CARD described in this Agreement shall be subject
to the rules and regulations of each account which is accessed by such Card.
Use of Personal Identification Number ("PIN") with MONEY ACCESS CARD
You understand that a MONEY ACCESS CENTER or a PLUS SYSTEM ATM is
an automated teller. It can and will perform many of the same tasks as a human
teller. You acknowledge that the Personal Identification Number or PIN which you
use with the MONEY ACCESS CARD is your signature, identifies the bearer of
the Card to the MONEY ACCESS CENTER, PLUS SYSTEM ATM, or other
network ATM and authenticates and validates the directions given just as your
actual signature and other proof identify you and authenticate and validate your
rate to dollars will be (i) tt olesale market rate or (ii) the government-mandated
rate, whichever is applicable, in effect one clay prior to the Processing date,
increased by one percent.
12. PLAN MERCHANT DISPUTES - We are not responsible for the refusal of any
plan merchant or financial institution to honor your card. We are subject to claims
and defenses (other than tort claims) arising out of goods and services you
purchase with the card only if you have made a good faith attempt, but have been
unable to obtain satisfaction from the plan merchant, and (a) your purchase was
made in response to an advertisement we sent or participated in sending you, or (b)
Your purchase cost more than S50 and was made from a plan merchant in your state
or within 100 miles of your home. Any other disputes you must resolve directly with
the plan merchant.
13. SECURITY INTEREST - To secure your account, you grant us a purchase
money security interest under the Uniform Commercial Code in any goods you
purchase through the account. If you default, we will have the right to recover any of
these goods which we have not been paid for through our application of your
payments in the manner described in the Monthly Payment section. With respect to
this account only, we will not assert any statutory right we may have if you are in
default to prevent withdrawal of your unpledged credit union shares (Deposits)
below the unpaid balance of your account. However, if you give or have given us a
specific pledge of your credit union shares (Deposits) by signing the Pledge of
Shares or otherwise, or any other security interests for all your debts, your account
will be secured by your pledged shares (Deposits) and by the property described in
those other security agreements, except for your 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 by sending you the advance written notice required by
law. Your use of the card thereafter will indicate your agreement to the amendments.
To the extent the law permits, and we indicate in our notice, amendments will apply
to your existing account balance as well as to future transactions.
15. LATE PAYMENT CHARGE - If your Minimum Payment is not paid within 15
days after the Payment Due Date, you will be subject to a single charge of 5% of the
minimum scheduled payment.
16. COPY RECEIVED - You acknowledge receipt of a copy of this Agreement.
directions to a human teller. You also understand that a Merchant which accepts
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
NO ONE ELSE LEARNS YOUR PIN.
3. Liability 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
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 that time and a "hold" will be placed on
your old card. After such time, if you find your old card, destroy the old card by
cutting it in half. If you attempt to use your old card, it will be captured and
retained by the MONEY ACCESS CENTER, PLUS SYSTEM, or HONOR ATM.
4. Charges
You agree to pay a 50 cent charge for each deposit or withdrawal exceeding 15
a month. You agree to pay the 50 cent penalty charge on any cash disbursement
transaction (loan advance or share withdrawal) that is less than $20. You agree
to pay a 25 cent charge on each balance inquiry. You agree to pay the charges
or transaction fees which are charged by us for these services or for services
which may later be offered as such fees or charges may be imposed or changed
from time to time.
5. Deposits
You agree that when you make a deposit at a MONEY ACCESS CENTER that
we have the right to verify the deposit before we make the money available to you.
If you deliver cash, checks or other items to a MONEY ACCESS CENTER, you
understand and acknowledge that the funds from your deposit may not be
available for immediate withdrawal and that the availability of your deposit shall
depend on our rules and regulations regarding the particular account in which you
Electronic Funds Trensfgr_MAC Agreement_ Rzgulation "E"Disclosur
(continued)
are making a deposit, the items that you are depositing and whether the deposit
is made at a MONEY ACCESS CENTER that is owned by us or another financial
institution. You also understand and acknowledge that not all MONEY ACCESS
CENTERS may accept deposits and some MONEY ACCESS CENTERS Tay !imit
the amount of funds which may be deposited and we may not control these limits.
6. Liability
If the MONEY ACCESS CARD is issued for a joint account, you agree to be
jointly and severally liable under the terms of this Agreement and the agreement
for such account. You agree that if you make deposits or payments to your
account(s) with items other than cash (checks, drafts or other items) and we
make funds available to you from such deposits prior to their collection, you
agree that we may deduct the amounts of such funds from your account(s) which
are not collected or, if the funds in your account(s) are insufficient at Such time,
you will promptly pay to us any amount of such funds which are not collected.
7. Amendment of this Agreement
You agree that from time to time we may amend or change the terms of this
agreement including amendments or changes to add further MONEY ACCESS
CARD services or to amend or change the charges for these services. We may
do so by notifying you in writing of such amendments or changes and your use
of the 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.
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
Summary of Consumer Liability
MAC, ACH and SST - Tell us at once if you believe your card has been lost or
stolen. Telephoning is the best way to keep your possible losses down. You could
lose all the 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 $50 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 told 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.
Telephone Number and Address to Notify of Unauthorized Transfers
MAC - Contact PSECU at (800) 237-7328 or Money Access Service (MAC) at
(800) 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).
9
2.
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
8:00 a.m. - Noon Saturday
TDD (800) 472-1967 Nationwide
(717) 777-2100 in Harrisburg
Financial Institution's Business Days
MAC, ACH and SST - PSECU's Business Days are Monday through Friday,
Holidays not included.
Types of Electronic Transfers a Consumer May Make
MAC - Balance inquiries on checking, savings and PSL; withdrawals from
checking/savings; cash advance from PSL; deposits to checking/savings;
purchase goods and services at any accepting retail establishment.
ACH - Preauthorized debits and credits to checking and savings.
SST - Balance inquiries and transaction histories on all share, certificate and
loan accounts; transfers from any share to another share or loan account from
your PSL to any share or loan account; withdrawals from any share except IRA
shares or certificates.
e 5. Any Charges to, ctronic Funds Transfers or for the Right to Ma.
Transfers
MAC - Fi ty cents for each disbursement (cash advance or withdrawal) less the
520; fifty cents for each transaction over 15 per month, and a 25 ce
charge on each balance inquiry.
ACH - S20 service charge for insufficient funds for Each electronic transfer.
SST - none
6. Summary of Consumer's Right to Receive Documentation of EFT's
MAC - You are entitled to receive a printed receipt at the time of eac
transaction. You will receive a monthly statement showing the status of yot
account, any transactions made during the month, and any penalties or charge
PSECU may impose during the month.
ACH and SST - You will receive a monthly statement showing the status of yot
account, any transactions made during the month, and any penalties or charge
PSECU may impose during the month.
If you have arranged to have a direct deposit made to your account at least one
every 60 days from the same person or company, you can call us at (800) 237
7328 to find out whether or not the deposit has been made.
7. Stop Payment Rights - Pre-authorized transfers
' MAC and SST - Not applicable.
ACH - Right to Stop Payment and Procedures for doing so. If you have tok
us in advance to make regular payments out of your account, you can stop am
of these payments. Here's how: Call us at (800) 237-7328 (Nationwide) o
(717) 234-8484 (Harrisburg) or write us at: Pennsylvania State Employees Credi
Union, P.O. Box 67013, Harrisburg, PA 17106-7013, in time for us to receive your
request three business days or more before the payment is scheduled to be
made. If you call, we may also require you to put your request in writing and get
it to us within 14 days after you call.
• Notice of Varying Amounts. If these regular payments may vary in amount, the
person you are going to pay will tell you, 10 days before each payment, when it
will be made and how much it will be. You may choose instead to get this notice
only when the payment would differ by more than a certain amount from the
previous payment, or when the amount would fall outside certain limits that you
set.
• Liability for Failure to Stop Payment of Preauthorized 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.
8. 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 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 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
card; (7) PSECU has reason to believe that the transaction requested is
unauthorized; (8) the failure is due to an equipment breakdown that you know
about when you started the transaction at the 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
HONOR ATM, or merchant terminal that is not a permissible transaction listed
above; or, (11) the transaction would exceed the security limitations on the use
of your Money Access Card.
ACH and SST - If PSECU 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
funds in your account plus any available overdraft credit; (5) PSECU has reason
to believe that the transaction requested is unauthorized; (6) the failure was
caused by an act of God, fire, or other catastrophe, or by another cause beyond
control. In any case, PSECU shall be liable for actual proven damages if the
failure to make the transaction resulted from a bona fide error despite PSECU's
procedures to avoid such errors.
Disclosure to Third Parties
MAC, ACH and SST - PSECU will disclose information about your account to
third parties: (1) when it is necessary to complete transactions; (2) to verify the
existence and standing of your account with PSECU upon request of third party,
such as a credit bureau; (3) to comply with government agency or court orders;
(4) in accordance with your written permission; (5) to comply with government or
administrative agency. summonses, subpoenas, or court orders; (6) on receipt of
certification from a Federal Agency or department that a request for information
is in compliance with the Right to Financial Privacy Act of 1978; and (7) when it
is necessary to take legal action to recover shares.
9.
r
Electronic Funds Transfe r mmc Agreemem ' Regulation "E" Oisclosu
(continued)
10. MONEY ACCESS CENTER Services
' MAC Only - You may use your MONEY ACCESS CARD with your Person
Identification Number (PIN) at MONEY ACCESS CENTERS located in DelawarE
Maryland, New Jersey and Pennsylvania to conduct any of the follavin
transactions for 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).
d) Deposit currency, checks, or drafts (coins are not acceptable) for transmissior
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 MONEY ACCESS CENTERS located in these
areas may only provide access to your Checking, 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 with your Personal
Identification Number (PIN) at any PLUS SYSTEM automated teller machine
(PLUS SYSTEM ATM) located throughout the United States, Puerto Rico,
Canada, Great Britain and Japan to conduct any of the following transactions on
the accounts accessed by your 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. HONORO 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 are HONOR
ATMs. The following transactions may be done on the accounts accessed by
your MONEY ACCESS CARD.
a) Determine the account balance(s) of your Checking, 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 may be offered in the future.
13. Other ATM Network Access
' MAC Only -From time to time, PSECU may make arrangements with other ATM
networks to grant access to MONEY ACCESS CARDs. PSECU shall inform you
when such arrangements are made and describe the services that are available
to you. Any charges will also be described.
14. Purchase Transactions
MAC Only - You may use the MONEY ACCESS CARD to purchase goods and
services ("Purchase") at any retail establishment ("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 $500 per day from one or a combination of
your accounts by using a MONEY ACCESS CARD provided the funds are
available at a MONEY ACCESS CENTER, PLUS SYSTEM or HONOR System
ATM. In addition, you may withdraw/purchase up to $500 at point of sale
locations. PSECU reserves the right to reduce this daily limit at any time. In the
event that your daily limit is less than $500, PSECU will 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, there are also certain daily
limitations on the frequency of use of the MONEY ACCESS CARD. However,
these limitations are not revealed for security reasons. The Pennsylvania State
Employees Credit Union is not obliged to maintain such limitations.
You will be denied use of your MONEY ACCESS CARD if you exceed the daily
withdrawal/purchase limit, if you do not have adequate funds available in your
account, do not enter the correct Personal Identification Number (PIN), or
exceed the frequency of usage limitation. The receipt provided by the MONEY
ACCESS CENTER, PLUS SYSTEM, or HONOR System ATM, or Merchant
terminal will notify you of the denial. There is a limit on the number of such
denials permitted. Attempts to exceed the limit will result in machine retention of
our MONEY ACC` CARD. The number of attempts that result in machir
retention is not re,; d for security purposes.
16. Error Resolution Procedures
MAC, ACH and SST - In case of errors or questions about your transaction!
Direct inquiries to PSECU at (800) 237-7328 Nationwide, TDD (800) 472-196
Nationwide, (717) 777-2100 in Harrisburg, or write PSECU at: Pennsylvani
State Employees Credit Union, P.O. Box 67013, Harrisburg, PA 17106-7013, a
soon as you can if you think your statement or receipt is wrong, or if you nee
more information about a transaction listed on the statement or receipt. PSECI
must hear from you no later than 60 days after it sent you the first statement o
which the problem or error appeared. You must provide the following informatior
(a) Your name, account number, and MONEY ACCESS CARD number (if a MA(
transaction), or reference number (if Self-Service Telephone Transaction); (b
Describe the error or the transaction you are unsure about, and explain &
clearly as you can why you believe it is an error or why you need the information
and; (c) The dollar amount of the suspected error.
If you tell PSECU orally, you must send your complaint or question in writin(
within 10 business days. PSECU will tell you the results of the investigatior
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 purchasE
transactions. If we need more time, however, we may take up to 45 days foi
MONEY ACCESS CENTER, PLUS SYSTEM, HONOR SYSTEM, SELF.
SERVICE TELEPHONE, or DIRECT DEBIT/CREDIT TRANSACTIONS or 9C
days for MONEY ACCESS CENTER purchase transactions. If PSECU decides
to do this, !twill recredit your account within 10 business days for the amount you
think is in error if it is a MONEY ACCESS CENTER, PLUS SYSTEM, HONOR
SYSTEM, SELF-SERVICE TELEPHONE, or DIRECT DEBIT/CREDIT
transaction, or 20 business days if it is a MONEY ACCESS CENTER purchase
transaction. You will have the use of the 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. If PSECU decides there is no error, you will be advised within three
business days after the investigation is completed. You may ask for copies of the
documents PSECU used in the investigation. If PSECU credits your account
while investigating, you must repay those funds if PSECU concludes no error
has occurred.
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.
LI A
?L
G?J Q
C)
W
'IN
O®
M
O
W O
co
n.?
v+
C.1
a,
qq?,
V
W
Z
.MMM
Z
0
.j
V)
d
7
N
0
ro
U
a
a)
U
Q,
(n
>I
U
E
U
Cc
LU
Z
J
Q
O
O
T
O
to
ro
a
Cl)
N
E
0
-0
a
c
co
0
C
a
N
N
o`
a
0
U
c
u) N
EL
U
7 ro
a ?
aai
CIS -Y
o a)
.C u!
F- ro
N
N IL
O
U E
i N
N
N 07
C Q
r <L
r _.?
u
n
U co
Q
.., n - > >
N D
_L
N
m
C U C)-3 U cD j,
.f O
C) U U
(n
C - W o. o .D 7 C C R. C C)
.? CC f"-0?
LLf Q T, N O
O ^- C
- N
U .. E OOO CD CD CD0000
('J O L., -,t CO " 1 '- (n .?
J N
`7
C
^ CL
`?
7
O
N ?t r
d 0
u
- J
05
a J `
-6 T?
v n y d
c
N
J
J r
2 O 'n O C :6 t` L) cH r. :? U
° a) 7i a (co (1c) 2 °
y c m y F U a s - r
S:
N o u) LLJ
t
d
s to
ro
°
C (5 U
N .? o
- e-
C cu
7 0 E r U
to
:i1 U cc E
It -
O
o ll U Y
' O C N d)
o
iu
U y
n U N
F ro
U) (D C S
N
r o
U U
(a .p
` co
C 2 'n n
0 j .0 OOOOOCU000000
E E d' CU O co c0 cf N O x Q0 -t N C
O c C N
U- N LO in N C N-A O LU
CC O C O N nl N r- .- .- '- G
N N U
0 cu
to C:) to U LO
' C to
N N L 0 CD
C C1 O C - to
to Q C
) N CL a J N t
O T
O
c
C U
T O cD
`o
`n
0)
U U
-
N U
N C
C .y
>
c o o° a(
o N E v
?. O 0 4) N "- E ro N
N
N
0) ?
E E
ro
N U T
Q J N :3
:E = a
o c c
1 0 N
o N
w
to a) Y 0 O u N ro CL 0 C 0
-
(a U) A 0
C) N
to
U Q O° U) d)
w ro
C O ) C_ (D a)
E -co E O N ]
n.
a
Z U .n
ro N
N
C: N_
U
cD
2
c
0)
N- to o
L)
o ? -a
O
aci
00000CD 00000 yo ?
E
N Q g
°
o
n
C N vj
'
L ?O_ ?
E
>- O Oro c
F- cis c: E 0
Oo0000000000 ms,
>. (n o
y a
Il C D
t U N(n
' O a a
0
(O Q O A
S c' to 0 0 0 0 00 0 0 0 0 0
(D 0000000000000 ro c !-
as l9 'p O C
U cry
W ?. _ c ?
E n
•
U) N ca a.
c (n 000o0000000
ro «. c m
a) 7
U U N; W Q) 'E C } to
' Q E
L
0 00 E m N T O 0) co I.- cD to d'(n N.- 0
?roa 0 _r_
C) LU L
Z0) M ?v ooooo oooooo LL d a
° ca c
_ ? to L
dL Qt N L c U` C
O '- ? N LUQ(` E
i c R)Q a
o000oooooc's .
y
to [L _
:
Q T Sr
Chr
a ro
m O
0
w C to O
a V ?O"-
CD O F
C
U N O
`
N 0
00000 OOCD C)
0
0
00 0
0 0 0 0
Y
?
U cn U ?
? U p_ a- ^
U C N
0
0
OO)
D
D
'
"
O E N
. _
.
Z E rd QQ N.0 -J N W A
J p U)
W -O c
T
f?c
c
to d
7Nr .a J O
Z > N (n Z U)
C '
F- a`) -J (D CO- - a
LU F- d .. ..
0 t
o
&
C) a (U
F- C.)
U U
O°
Om
(D
ig
c
m n
ca 5
--0
N
HE
N :S C N
d
aL
t
m o tll
c Q
2 7
w wc
im
a v>•c
o .
a)
DQ CD E E o2
to
• err-: cll'ga (omo . v ^mcoN N 0 r- onm vd o Nom
N N ? N 'C r
C to d ? c' dl M [9 ? ( ?H Fn to uy (0( 5; o cn um) (n to f/ to C ',? m n i.
u
o ? g
C? c° .
.
do DD Lamm mE?,
O to > a) a
v ° mm m3 Envoi
o Oa to
o .
c?? ?om?
m}L
t
a O
E? L 0 d
.. rn m0 m Old C
?v a$ °gto
52-2
N 3 co
N c
* _$ m `mom
m _D6
O N C
O aY d O C d o
0 0 0 0 0°0 0 o o a
0 0 ?0 0 0 o o
m _?¢
3 o
m ;
L
E E Z
to 'O - N C N as
0) C U ?a) O)G)?cT) a) a) ama)m0) 0 to LO
)0) rnO) N NN N 0)
0000 N N m m a
O
Ua mmcj n?¢E rn
ro
`m ;p
O U a) aQ ` nn(D(DO IN co co rl P, NN cn to to to Lu L72 -O t.I O(?3: mm U V?
ul C 7 O?
to -0 a - a? m6Z4 .n Lme
d
- -o
to U
L N
0 6
cq -.s Z5
Vc N?
N
i2
E
C JV
O ?
_
N A
(7 (
i7g
"Y am ? mo ro «cW
- W ci
O n
co 'a .p U 0 0
0)a) n? °cl) ccooa)a)a) )
D
mm ID to mm a 0000 m aoco1 v Nc? M m > --S a
58 ';2
'? -, mw
c to C
U N
p
-
rnrnrnc? It It rn
co oD co co m v) co co co c7
rnrnrnrn a vd v In n
dm >
?
T° m? v n
>?
m a
v
?
E a E N p
o v ro'? m
4 o0oo00 000000
000000 0o0o 0000 0 000 0 o fv
mD) vE m
? c) lu
-'
3
to c
to
a oo
o0o000 000000 0 000 0 o00 0 0
0 0 0 0 0 0 0 0 0 O >m
AE=
ro OE rmr
-
DH
dmo
N CL
O.
o
' c6
. ED C)
>.] yoE 3 E°E
m "
?
to O v
i
0
?`c co
-F w
!E
o_ >m mm g8mm m?8
to '0.N U N ?; x E CaN y Xy SL
r HO C
0. cm N to ro a;
N rn U O O
?., a C m O_
C m
?v 'a N Vi m C j
a??
?= o 0 cc, dQ C o 000
N .3 EE ¢m$.
Ly
' 3dc
to C cn =
O. a) O U a NNN c7 gm>
8
b3
7( ?¢ v-2 >¢ Ddc
o>m
?
o a E o.
(n 3 a E°
t fig 3"D g @ va
m'mam
, =q
2 E
d
.N N N U X •C L c >-
0
N Q O V
O U$ ry c V 'v m
C OU n 1]
Q
C
E
N O (D (D V
t. c) V C)
N O cD N V
$ o ao (D N O) a0 f? E
O V c") O
m O O C7 c" y
> Q m 3 O
h d
N
E C to 0
y3UEO a
Qd0 N r N V M N
V yl 1?
m
d
, m N J
>
gytymU
?.
-a
..
mrv
_
r-
C E
F-
N >> _
m
m
c
v IN
v m
to
a cc
_
CC N
' L nt
a $ ° o. a rn
aH LOj
am
$a ya '3c
-'-°3a
- mro N N o o QE Qd-3gJ
U? ? ? ? rn
c-0 2)
C N O
ri 0
m M 3 m .E '
` u u v.E m d c G
m 3= c c
3
0
o
} ]
O O (D L Q
J> ??
o>> ?
T o>>
c >. m c
z E m
O n-E d C rY t 19
o m n?'E m m m
$
>
c o a
v
> oo E
.. i U
U
U-
d (V- [ m - O O
O N
o 0 0? O O
>. O) Q N
c
o o _N
O m
J
° o
") o
o ai N rn? .
_
o a o- nrnm
?0 (S
sm
m
N `o >. m q
y.: m o
c+?D
c A
a? 3 N
c m m c
c m m T _.
p
p Q) 6 c
c v m m D m
-
t In m
D c
a) rn w rn o U
.
_>cJ uNC
E
w .' ? n
rsmaa
E
E
C) O
t9 O O O
U C
C O
7 m
O c 7 ro 0
.. m m
V
m (dO c 0 7 0 0c
>!C N o 0
> rn rn O p '? m
QO
n V
^
J 2.
m
xt
c a c '-a 0 m> m u
?? a'
>
n
..c a
v >
V
J
aa
AN 7 C
C to N o ._?
C O Q m_
a,
,.boo > > rna?i a)
`-'oo > > p)N O m
(
y c
O ?
U)
cA
o
o
c
:° ,
=
nt
4;
3; 3v> >Ly a a
j
>av
to
aU U ,
OUi o o 0 0
RmO°
T -c 0 0 0 0
mOOoON^ m
o
o
oo
c o 'fl
UJ >>>
0000 m JO 7 R m
=2v
•
Y`°m
O
N > Q >.L
L co u U
7 ?
N
0 J ro U
a N 007
p> ON b
O Nr'o)cO N 3 >O ^00 3 0
"ON NN (a ? 7
ca Lr 000 O (q C G
2- c0(nc7 J m yp O O o
wgai W d= a?nc
(n -? ?r,mn
T?yo
_ .
U
r O 7 d V) (9 Ui > F- N d? 1fl (fl (A > F ? EH e» (» v> Q ca O N .y.. D. > a `o v 2, ?
LL c7 { - N O> U U) 0 Q z ¢ LC J) iH O a a i 5 M Q
C
C:
O O
O - J
0
(1) O
^ t
O (ll p 0 _
U_ - C O
CiS ,L C U O C j O
C: 5, W
Om - O O
U
O X
Q (ll
0 - .
U C
.
co U)
O Q C U C
O C
tz _
, O
p 0
C ?? -•_ N U
) O O
N
X
(ts X y O p Q M
N (ll =L~ 0 j-- CD
N N O
L LL C >' O
O O -0 ;0
?
O
U co O
O) m (ll
CJ) C1
-
_
CO (1)
cz L 0)CO C_ L
C 1] .N7-
U) O (1)
`. OL. O
U N '
U M O?
N 0 0 C U
(ts C E O)r
EF}
(
E O m` N O
> D E
µ a
(ll ? -
D C N
-
- o p >? r
c
QOo co (D C U)
a a M-o
C Eoo as
c E 'o E E
O
O0 a) Ff} O ca X 0 `
O 't
U _0 CL) d4 O
:
2 Q X U o a)
_0
Q C
C C O C
M0-(ONMO t d C) I,- C'MMN0M M0 -0d NM 0NM0OM
- 000
O OO 0
CC) CC) oo r
r.
(D (C) LO LO It d dMM MNNN
-
O
p U d a N
I?T N
?? ctS E 0 "
,
x .
0
)
,
ooornrnrnrnrnrnrnrn0 o?ornrnrnornrnrnrnrnrno?rnrnrnrnCR
O
C'X
E
L O
E
rrr
N _OO
O O cis
U
Q N
Q o
0- (ll
'J (n
Q
E m
o
C N (n et o ch
c
ca L ct '?
.? O CV
c
E
0 E N O N
O ` r?Ff}U O p O a)
C] > _
NMd LO(D t-I co 0) 0 N Md LO (D ti co 0) 0r NM d in (o r" 000) 0
I0) 0000000000000000000+ +--
N
T-- ----- -- r - r r-.-.-.-r- --- - .-
LL
Cl
E Ti
?W
N O
OL U
?. n
(ll C !7 U)
a-
? 0
C,3 ??
N (ll ?- m C
O O w
m
0 +
` 5
o
ttS O O o o EO -
N E -p cn
m CD LO CD M000CDr- t,- N d CO O LO N O M r? rdO CO M M N co
00 M N
0
M MCO N (D LO 'It M M
0
CD (D 0 to I
M M
l
'
O O 0
O
+"' yU- C 7 C C
-0 C
` = C
m _
_
N r
f
-
T
NN
?; N
0 0 0 0 0 0 0 0 0 0
0 0 0 0
¢ r clq N r
(? .a
O Rf P-
M Q C
O U
_0 CCU ?+ p C> y
N N O O
"- 2
tl1 - r r r r- r.-. ?-. r r r, T
n O
`n ? ? O ? 0,
°' C Ego Da
v? LEEU
Q
Q
o y c (D co m mo
o'
E aNi >,
v m
E
r r-
O C
t?f1 c
U
>
O O O p
o
C13
(XV
CM
?j
(o??cdD??c^OCOOD??t?rrrI-T rr-rrZr coococooccoommoocococoomrn
(D
(D 0>,
U c EL Ca)
C3) m
0
N V
c L V) n p L
to U) CO
a„ O >, a) V p N C O
O E L
L aU
m
4 C a
! O ? F
U
C d O
( 4. (d N
O
N O C p +. .
+
+ N
Ca "
N O`
o
g 0 N `? O C C N O
M p - U E O
U L-
O +- (n ? O v 69
>. m t*- 0).-t-- MLOd O Nd M N CO O N LO M CO M d*-a00) M COr t--cl)
W It MCO d CO CO dCM OCO CO d CO CD CO hLO dN 0COOD(DLOdM
r .Q T O
:3 00 C: N
a) to
M Ch N N N N NN
Q t?f-I (RCO(OCOq q NLn U? d;'It C'7 CAM Ch T
La m co ca
-0-0
L ca
a)
0
c
G d
Cd
0
E v ce»
E o C.
ts? Eo ?
m
r O O C 0
(n
' CO -
c
cn :3 Q
E E m
m
oC a
.C
(n r p
O O'
C =
w
O •-
C 7 -
O E E ac C
N E
L- NMd LO CDN C?OM0 M 0CDNMM 0-NM t 0 W N- MMCD
F MMMM MMMM('9dddddddddLO LO Lt7 LO LO LO LO LO LO LO(D
_ C
O
CTJ ?
?
+
, Co> 0 ?
U) O
CL0 X O L j j( E O
y T a
i
o
O D
` 0 QEt
`J c
N
- V O :3 O
O 0 O C O O >,
o 0
> O o
C N
(z L A N m
a o
+ C
C N
0 O
C) p +. C
O O
Q O
o C:) O 3:
O)
cu
O O
O
'
m 00d MCD f?O(ONCOnOLOONMr-MM 0MCD NNr NM
Lp W CO LOW Lo t- N 00r, ll co CD N LO 00 r (D O tO .; (O N CO LO N CO
L Y LAO
O
M N d co
L t -
O C
-C fn ? 'O Q CD CnOCDdNr00l?(0 tO d:?MN N Nr r00(n0)NCO COh
MMMMMMMMNNNN
N
N
VN
--- -
-
.?
to 10 0 -
L U) CIS N
O NNN
N
C
-
r
(0 _
C - O
V1 p 0 0 (d c 0 C a E: 3:
E
c`o.E C " D p U ? ?U F * NMd LOCO ^M00?NMdT(D???NNNNNNNNNNM
E O : c
c i n E o c
-0 ac 0
0 C
O» o
?.`?.T w amp ?
E U
n
o o c c c X o CD
> CO
o p 0-
1- (a m
1- co >,
a?
C >` O
o
o E ova
(n N >. - O c
(D •? 0'c
w a) U)
a) ca c> -
C)
Q L
3: t a? a o
(tY CY) N
O
p p
p
CY) CC >1 - =3 0
0 O p O CM
O (1)
t0 U a
m?Ea?o
(? C-0 Y E (ate a
O O
?o O c cli E O
Q
-
CD c? 0 E E .
o U E C
?
°C) CL -0 Cc X°
°'
co (
n
L p L_ O O U M O p
f- > a > LJ (d a_ a- LL T
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff ????, nt :nrrerE FILED- -0FFi `
`s
Jody S Smith
Chief Deputy -
Edward L Schorpp 2610 JAN 14 PM 2.21
Solicitor -
GUPi.
. C' t ti!1 h.1!h.?
Pennsylvania State Employees Credit Union Case Number
vs. 2010-251
Mary Jane Galitsky
SHERIFF'S RETURN OF SERVICE
01/12/2010 06:09 PM - Noah Cline, Deputy Sheriff, who being duly sworn according to law, states that on January 12,
2010 at 1809 hours, he served a true copy of the within Complaint and Notice, upon the within named
defendant, to wit: Mary Jane Galitsky, by making known unto herself personally, at 301 Norman Road,
Camp Hill, Cumberland County, Pennsylvania 17011 its contents and at the same time handing to her
personally the said true and correct copy of the same.
SHERIFF COST: $41.50
January 14, 2010
SO SWE
Y R ANDERSON, SHERIFF
VONt
By Deputy Sheriff
10-251
,~olo,lu~ 3u Phti 3'53
t,t~! - . ~J ..~
r--~ ,~. .~ ~-~~~~
BARLEY SNYDER LLC
Shawn M. Long, Esquire
Court I.D. No. 83774
126 East King Street
Lancaster, PA 17602 Attorneys for Plaintiff
(717) 299-5201 Pennsylvania State Employees Credit Union
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
v.
MARY JANE GALITSKY,
COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION -LAW
No. 10-251
PRAECIPE FOR JUDGMENT
Enter Judgment in favor of Plaintiff, Pennsylvania State Employees Credit Union and
against Defendants, Mary Jane Galitsky for want of an answer in the amount of $10,238.92 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.
2962167_1
y~y, ao p~ ~r
clG~ ya-y3/!~
,e.~ ~yG o
Naftce ~.~1 ~L~
10-251
(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: ~ ~d
By:
awn M. Long, squire
Court I.D. No. 774
Attorneys for Plaintiff
Pennsylvania State Employees Credit Union
126 East King Street
Lancaster, PA 17602
(717) 299-5201
NOW, 36 , 2010, JUDGMENT IS ENTERED AS ABOVE.
Prothonotary/Clerk, Civil Division
By:
Deputy
2962167_1
10-251
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY
OFFICE OF THE PROTHONOTARY
CARLISLE, PA
TO: Mary Jane Galitsky
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 ~ 3d , to No. 10-251 with the
Court of Common Pleas of Cumberland County -Civil Division. The judgment is in the amount
of $10,238.92 plus costs of suit.
PROTHONOTARY
By:
Deputy Clerk
2962167_1
10-251
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
COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION -LAW
v.
MARY JANE GALITSKY,
No. 10-251
AFFIDAVIT THAT THE DEFENDANT IS NOT IN THE
MILITARY SERVICE, PURSUANT TO "SOLDIERS
AND SAILORS" CIVIL RELIEF ACT OF 1918, RE-ENACTED 1.940
LANCASTER COUNTY, SS: Before me, the undersigned authority, personally
appeared Shawn M. Long, Esquire, who being duly sworn according to law, doth depose and say
that Marv Jane Galitsky, 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 301 Norman Road, Camp Hill, PA 17011 as of the date of this
affidavit.
ADDITIONAL FACTS, if any
Date: ( ~ 1 l U By;
Sworn and subscribed to before me
this day of , 2010.
Notary Public
BARLEY SNYDER LLC
S M. Long, Es ire
ourt LD. No. 837 4
Attorneys for Pl 'tiff
Pennsylvania State Employees Credit Union
One Credit Union Place
Lancaster, PA 17602-2893
(717) 299-5201
296216~_l
10-251
BARLEY SNYDER LLC
Shawn M. Long, Esquire
Court I.D. No. 83774
Troy B. Rider, Esquire
Court I.D. No. 206319
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.
MARY JANE GALITSKY,
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION -LAW
No. 10-251
PROOF OF SERVICE
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF LANCASTER
. ss.
Kelly Cunneen, Paralegal, being sworn according to law, deposes and says that she
served a true and correct copy of the 10-day Default Notice upon Mary Jane Galitsky, 301
Norman Rd, Camp Hill, PA 17011 by regular mail on July 2, 2010 at 5:00 p.m.
Sworn to and subscribed before me
this day of , 2010
Notary Public
BARLEY SNYDER LLC
By:
Kelly C en, Paralegal
50 North Fifth Street
P.O. Box 942
Reading, PA 19603-0942
(717)-399-1528
2950651_1
10-251
BARLEY SNYDER LLC
Shawn M. Long, Esquire
Court I.D. No. 83774
Troy B. Rider, Esquire
Court I.D. No. 206319
126 East King Street
Lancaster, PA 17602
(717) 299-5201
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
v.
MARY JANE GALITSKY,
To: Mary Jane Galitsky
Date of Notice: July 2, 2010
Attorneys for Plaintiff
Pennsylvania State Employees Credit Union
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION -LAW
No. 10-251
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
2950651_1
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
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.
Dauphin County Lawyer Referral Service
213 N. Front St.
Harrisburg, PA 17101
(717) 232-7536
By:
BARLEY SNYDER LLC
Sha .Long, Esquire
Tr B. Rider, Esquire
Court I.D. No. 83774; 206319
Attorneys for Plaintiff,
Pennsylvania State Employe s Credit Union
126 E. King Street
Lancaster, PA 17603
717.299.5201
2928114