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HomeMy WebLinkAbout10-6919FILED-O FTE OF THE r OTHONOTARY '0 CC' T 29 N1 !:::04 +s i''.it AIM CO i i 43??r I,tsS A,si - 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 Attorneys for Plaintiff (717) 299-5201 Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW V. RONALD E. STINE, Defendant No. 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 this 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 by the Court without further notice to you for any money claimed in the Complaint 3001741_1.DOCX ?),$ 601V aA 100 qo? or for any other claim or relief requested by Plaintiff(s). 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 N OT 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 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 Bar Association 32 S. Bedford Street Carlisle, PA 17013 (717) 249-3166 800-990-9108 3001741_1.DOCX 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. RONALD E. STINE, Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. AVISO PARA DEFENDER Conforme a RCP No. 1018,1 del PA LE HAN DEMANDADO EN CORTE. Si usted desea defender contra las demandas dispuestas en las pdginas siguientes, usted debe tomar la acci6n en el plazo de veinte (20) dias despuds de esta queja y el aviso es servido, incorporando un aspecto escrito personalmente o por el abogado y archivando en escribir con la corte sus defensas u objeciones a las demandas dispuestas contra usted. Le advierten que si usted no puede hacer asi que el caso puede proceder sin usted y un juicio se puede incorporar contra usted por la corte sin aviso adicional a usted para 3001741_I.DOCX cualquier dinero demandado en la queja o para. cualquier otra demanda o relevaci6n pedida por Plaintiff(s). Usted puede perder el dinero o la caracteristica u otra endereza importante a usted. USTED DEBE LLEVAR ESTE PAPEL SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE Un ABOGADO, VAYA A O LLAME POR TELEFONO La OFICINA DISPUESTA ABAJO. ESTA OFICINA PUEDE PROVEER De USTED La WFORMACION SOBRE EMPLEAR A un ABOGADO. SI USTED NO PUEDE PERMITIRSE AL HIRE A un ABOGADO, ESTA OFICINA PUEDE PODER PROVEER DE USTED LA INFORMACION SOBRE LAS AGENCIAS QUE LOS SERVICIOS JURIDICOS de la OFERTA de MAYO A LAS PERSONAS ELEGIBLES EN Un HONORARIO REDUCIDO O NINGON HONORARIO. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 (717) 249-3166 800-990-9108 3001741_1.DOCX 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. RONALD E. STINE, COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. Defendant COMPLAINT Plaintiff, Pennsylvania State Employees Credit Union ("PSECU") is a Pennsylvania financial institution having an office at One Credit Union Place, Harrisburg, Pennsylvania 17110. 2. Defendant, Ronald E. Stine, is an adult individual with a last known address of 197 Skyline Drive, Mechanicsburg, Pennsylvania 17050-1755. 3001741_1.DOCX 3. On or about October 19, 2005, Defendant applied for a Personal Service Loan with PSECU. A true and correct copy of the Personal Service Loan application is attached hereto as Exhibit "A" and incorporated by reference. 4. On or about October 19, 2005, Defendant applied for a Visa with PSECU. A true and correct copy of the Visa application is attached hereto as Exhibit "B" and incorporated by reference. 5. PSECU approved Defendant's applications and opened an account ("Account I") in Defendant's name for the Personal Service Loan and an account ("Account II") in Defendant's name for the Visa. 6. Defendant received a disbursement on Account I and was approved for credit under Account II, all of which were subject to the terms and conditions of PSECU's Loanliner Credit Agreement and Loanliner Addendum ("Agreement"). A true and correct copy of the Agreement is attached hereto as Exhibit "C" and incorporated by reference. 7. Defendant is in default under Account I and Account II for failure to make payments when due. 8. The balance due and owing to PSECU from the Defendant on Account I is $2,384.62, plus collection costs of twenty percent (20%) or $476.92, which totals $2,861.54 plus costs. 9. Pursuant to the Agreement, in the event of default with respect to Account II, PSECU is entitled to be reimbursed for all costs and expenses, including reasonable attorneys' fees incurred in bringing any action to enforce the Agreement. 3001741_1.DOCX 2 10. For purposes of this action, PSECU believes, and therefore avers, that $2,000.00 constitutes reasonable attorneys' fees for enforcing the Agreement with respect to Account II. However, PSECU recognizes that it is restricted by law to those attorneys' fees that are actually incurred. If those fees are less than $2,000.00, PSECU agrees to adjust its demand for attorneys' fees, if applicable at the time payment on judgment is made. 11. The balance due and owing to PSECU from the Defendant on Account II is $9,152.62, plus reasonable attorneys' fees in the amount of $2,000.00, which totals $11,152.62 plus costs. 12. PSECU has demanded payment from Defendant, but despite these demands, the Defendant has refused and continues to refuse to make payments. 13. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., Defendant may dispute the validity of the debt or any portion thereof. If Defendant does so in writing within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will obtain and provide Defendant with written verification thereof, otherwise, the debt will be assumed to be valid. Likewise, if requested within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will send Defendant the name and address of the original creditor if different from the above. 3001741_1.DOCX 3 WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union demands judgment in its favor and against Defendant, Ronald E. Stine, in the amount of $14,014.16, and costs of suit. BARLEY SNYDER LLC Date: 6 By: ShadGbi M. Long, Esquire Court I.D. No. 83774 Troy B. Rider, Esquire Court I.D. No. 206319 Attorneys for Plaintiff Pennsylvania State Employees Credit Union 126 East King Street Lancaster, PA 17602 (717) 299-5201 3001741_1.DOCX 4 VERIFICATION Pennsylvania State Employees Credit Union v. Ronald E. Stine I, Gregory R. Diffenderfer, being duly affirmed according to law, depose and say that I am the Collection Manager for Pennsylvania State Employees Credit Union; that I am authorized to make this Verification on its behalf and that the facts set forth in the foregoing Complaint are true and correct to the best of my knowledge, information, and belief. To the extent that any of the averments in the foregoing document are based upon the understanding or application of law, I have relied upon counsel in making this Verification. This Verification is made subject to the penalties of 18 Pa. C.S.A. §4904, relating to unsworn falsification to authorities. Dated: iul?o Gregory R. Diffenderfer Complaint PSECU Ronald E Stine-PSL Visa EXHIBIT "A" Loan Information Applicant: RONALD E STINE SERVICE October 2 AND VISA ACTIVATION NOTICE OCT 2 6 2005 Ref # : 494697 598 Approval Amount: $11,000.00 Home #: (717) 805-8272 Work Tele Account # : 0207464311- #: (717) 766-4300 I acknowledge receipt of the PSECU LOANLINER Disclosure and Credit Agreement and agree to be bound by the termi set forth insaid agreement, ORE, Signa of RONALD E STINE Date Personal Service Loan Options • I would like a immediate Personal Service Loan advance of $A??Purpose: Send a check or El deposit'to my Share 4 1-14 Select your Personal Service Loan repayment option. ? Automatic Transfer from PSECU account X Homebanking ? Payroll deduction- 0 Direct Payment from another financial institution ? Self Service Telephone • For overdraft options, complete the enclosed Overdraft Transfer Service sheet and return it with your Activation Notice. 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 repayment option. ? Transfer on Pay Day (select one): ? minimum amount ? alternate payment amount of $ ? Transfer automatically from. PSECU account, on the 25th of each month (select one):. ? minimum amount ? alternate payment amount of $ ? previous month's balance ? Mail a payment monthly by the 25th. • For overdraft options, complete the enclosed Overdraft Transfer Service sheet and return it with your Activation Notice. • 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 frill 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). RONALD B STINE must sign below. Name of Authorized Card Holder r Signat re of RONALD E STINE 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 or Z as part of your PIN. Also, do not use the following combinations of numbers:, 0000 through 0009 or 9999. . SCANNED EXHIBIT "B" . TW: * ii6 ?in'1:•:S:F•INE ?: -9- 69:T.:?,i4p NdE Is'siueid:•: ::•::•:::•::•::•:::; :•::::•:::•::::•:::•::•:::•::•::•::•::::•::•:::•::• ------------ cant;STAVE,R..NALO;f20.7-4?;43Y1):::::::: ............................ .................. ................................... De>rFsiori: ADDrove by Svstem on 1 0/1 9/2005 14:36:37 .........................................................................................................................:::::...: :.................:.:.:.:.:.:....... :.:.:.:.:...:.:.:....::.:.:.....:.......:.:...:...:.:.:....:.::..•.:.:.:.:.....:.:.:.:. ....................... :...... XXXXXXXXXX Application Received: 10/19!2005::; Time Received: 0236 PM :: Application ID: 494697 ::•:: Branch: IMPORT 1 ;.;Rekas::, Source: 266 v: Cross Ref #::::::: Source of Repayment: .................................. Secondary Source of Repayment: .................. ................... :..::.: Product: RV Revolvin Combined PSLV (.22 :`? ) . ......... ?•.R ..................... Application Loan Type: Regular Preapproval?: Purpose: Unsecured loan - Purchases :::::::::::::::::•::•:>:::•::•::•:::•::•::•::•::•:: Unsecured loan • Debt Consolidation::::•::•::-:::•: Unsecured loan •Personal:: ...............: •.::::::::•::•::•::::::•::•::•::::::•::•::::•::::::•::::•:: Unsecured loan - Refinance :::::::::::::::>::::::::::::::::::::::::::•::•:: .......................... :.:.:..:.:.::.:.:.:.:.:.:.:.:.:.:.:..::..:.::.:.:.:..::..: .. ..:.i:: .:.:.:. ....::.:.:.:.:.:.:.:.:.:.:.:.:.:. Specific Use of Proceeds: :::::•::•::::::::::::• ............ .:. ...:. ...:..•::•:::............:•::•:......:•::•::•::•:...•::::::::•::::•::::•::•::::::•::•: ............ .......................................... Credit Bureau: Experian M+` - Share Application Information?: :.... ........................................ Coupon Code: <': Signing Location: R Title First Middle Last Suffix Name: :i: RONALD ::'::':: E STINE :.:.:•. ..... ...... . Birth Date: 0...... 960:::: SSN: 207.46 4311:': ;; . e i • F Total Number of People in Household: ? Citizenship: US Citizen :w:1 Borrower Type: Applicant Spouse of Borrower: No .... Marital Status:. Mother's Maiden Name: CB PIN : ::: Email: SKYLINE1136@COMCAST.NET••AKA/FKA: <•?ir ....... ..:? View-Archive 8/23/2010 3:06pm - Page I of 9 .:Foreign Address:: Apt !Bldg !Unit Number Dir Street Name Dir Type Type Number .................. . t Standard .......:.. Rural Route Route/Military Type: - ..` Number: Box: • PO Box PO Box: 724: County:: ........................ Line 2: :; City: EW KINGSTOWN State: pq Zip: 17072 -- 0724 ....~ Province: :::• Country: :•::•::•::•::•::•::•::•::•::•:: Postal Code: Phone: (717J 805 8272': Ext: Residential Status: ............... ;Own - mtg :v: Time at Address: 0 yrs .-.- 0 mths Cellular: Best Contact Phone: Contact Method: Fax: ( J :' Phone number verified.; Address verified.::: : .......... •: •: •: Applicant's mailing address is the same as the current address.. . Collect Previous Address Information. .................... Position: <'.SALES MGR ?U!?emp/Student/Homemaker ................................................ N%Active duty military member::•::• Employer Name: BOBBY RAHALHONDA ...................Phone: (717J 766 4300;:: Ext: City: State: .., Verification Phone: Borrower Code: Non-Employee Loan Time at Pres. Employer. 10: yrs •'•:'-..--o. mths .............................................. ....... ..... ..... Amount: Salary: ; Gross ::; : :::90000.00 .......... :::: Pay Basis: ;Annually .. .......................... :Proof of income received.:: ?: Employment,verified.•:::: : :...:.:..... : : • OT/Bonus/Comma ......_....................;..... ........ . . 0: Income verified.::::":' Other Income: :.:....... .Annually . Source: :....::::•::•::•::•::•::•::•::::•::•::::•::•::::•::•::::•::•: Alimony, child support & separate maintenance income need not be revealed if you do not wish to have it considered. M:Collect Previous. Employment Information,:::::::: View-Archive 8/23/2010 3:06pm - Page 2 of 9 ----------- Creditor - --------------------------- Account Number --- - ------- Payment Balane Vafan"ce .... --- T e ...............-...... Last Act Date .... PC Estimated Payment 220 11000 R housin 1200 0 H Alim, child sup, court ordered 0 0 Ad•ustment •134 0 A FIRST HORIZON HOME LOA 4810040832883 918 109464 1 10/2005 AMERICHOICE FED CR UNI 9020500003813630 0 2000 1 10/2005 AMERICHOICE FED CR UNI 3190500003262552 412 26397 MI 10/2005 WELLS FARGO HOME MORTG 7080182111112 1278 159617 1 1012005 A H F C 68703664 418 13673 09/2005 P S E C U 2074643110009 129 6612 4 R-1 09/2005 S1 Debt Ratio: ':;:58 ':'•'E?dit'? : ?' ? ? ?`•?G?eselec#':' : ?:;13 riidg??tecl:; LC Debt Ratio: ':42 S1 Proj Debt Ratio: ':;7-53 Total S1 Pmts: Original Application Factors used in Automated Decisioning Housing Pmt: ;:::1200:00 Other Expenses: Total MonthlyAdj: 134 LC Proi Debt Ratio: ;44; Current Application Factors being utilized by Underwriter Housing Pmt: ;200.00: Other Expenses: Total Monthly Adj : LC Proj Debt Ratio: Monthly Income Summary Gross Income: '::': Ratios Revolving Debt: + OT/Bonus/Commission: Housing Debt: ;::; 1l% + Other Income: Total Revolving Line: ;:; 293 = Individual Total Income: Payment to Income: ' 77'-51 :;: Combined Income: Net Disposable Debt: ':;44; Application Loan Pmt: ;::' :220: Total LC Pmts: Application Loan Pmt: Total LC Pmts: Residual Income Summary Total lncome: ':::::;::7500: • Residual Adj: FF. T. • Total All Pmts: ::4441: = Net Residual Inc: Net Disposable Income: '? i ii:ii:::4167.- View Archive 8/23/2010 3:06pm - Page 3 of 9 • • • .......•.•...•..•.....••...•.......•..•.•......•...?R Product: RV Revolving - Combined PSLV (22) .... ................•.• # of Payments: LTV: ;:0.00: Total Amt Financed: 11000.00' ..: Total Collateral Value: CLTV: '::':::0.00: Estimated Payment: . :::': 220.00' Total Debt with Us: ;:::; ,i1.000A0: HCLTV: 0.00: Recommendation: Approve .17 Decision Party: Applicant STINE, RONALD E (207 46 4311 Application Score: :253; Cutoff: ;:190; Score Summary: -- Borrower ---------------- --................... Bureau ._.._.._.._.._.._.._................ Model ........._............._. Score ......................................... Missing Fields ............•.... Report D STINE, RONALD Ex erian Ex erian/Fair Isaac 0725 1011912( STINE, RONALD Ex erian Li uidCredit Final S 253 0 10/19/2( STINE, RONALD Ex erian Li uidCreditA Sc 48 10/19/2( Pull New: .........• ..................... For: ............I.........I.........I...........•••...... ::::• ................................................................ ................................................. :.::.:..::.:.:.:.:..::.:.:.:.:.:.:.:..:.::.:.:.:.:.:.:.:.:.:.:::•::•::•::•::•::•::::•::•::•::•::::::; :•::::•::::::::•: >::::::•::•: .. :.... :. .. :. .. .: .. :. .. :. .. :. .. .: ...... :. .. :. .. :. .. :. .. :. .. :. .. :. .. .: .. .: .. :. .. :. .. :. .. :. .. :. .. :. .. :. .. :. .. :. .. :. .. :. .. :. .. :. .. :. .. :. ... .. .. .. .. .... :.:..: ....Elai7s ..........:.:.:.:.:.:.:.......:.:. :.:.:. X .. .. .. .. .. .. .. .. .. .. .. .. X ...... .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. Authorized Users: .......................................................................:............................................. ..................................................................................................................... View Archive 8/23/2010 3:06pm - Page 4 of 9 .. ...... .........................................." Credit Life Selection: None ?.T Plan: < """""" """" """"""" . . Disability Selection: None •?: Plan: ..: :...........:. : """""""""""""""" .. ......... ....................................... ?• Coverage: Life Disability Applicant STINE, RONALD E (207.46.4311) :.';: Credit Life (Decreasing) Insured Amount: :::::; :; :; ::::O.OU Credit Life (Level) Disability Premium Paid in Cash.:: Monthly Benefit: ;:::::::::: 0.0U :'::O.OQ Premium: :0.00 ::':O.OU Cost Per Day: ;::;:::;:::::;::::O.OU ::O.OtT End Coverage Date: ::•::•::::•:::•::•:?`:. ::::::.: ::::::: :: .................01 Coverage Term: Warnings )Manual Loan Number w: Loan Date: 10119l2005•::•? < . . . . . . . . . . . . •t.:t. Loan Number: Suffix ::::::::::::::•::: Reported Amount: ...u ................ ......... ...................... .......... ........... ................... ...............A Primary Collateral Code: : R Request Type:new credit card :: Funds Request: ;New New Funds Amt: : 1000.OU .............................2. ,....................it ...................: Approved Term: Requested Rate: ;:;:0:00000: Total Requested Limit::::;::; :11000.OQ Interest Rate Lookup: Approved Rate: ;::12.90000: New Credit Limit: 1000.OU .......................... .. + Use Deasion party rate. Rate Type: ............ :::: <........... Lock rate. Rate Lock Date: .-Rescission Applieg .:..................: ............................, Acct Number: ? :: ,...........................................,...... ..................... Coupon Code: < :: R ' tale art ............................................................ .................................................................................................... .:.::.:.:..::..::.:.:.:. .::...:::..::.:.:. :R XXXX: ........................................................................ :..:.:.::.:.:.:.:.:.:.:.:.:..::.:.:.:.:.:..::..::.:.:.:.:.:.:.:.:. .........: ......:......................................:........:.............:..................; .:.; .: ., .................. +a :.:.:.:...:.:.:...:.:.:.:.:.:.:.:.:.:.:.:.:.:.:.:.:.:...:.:.:.:. View-Archive 8/23/2010 3:06pm - Page 5 of 9 Decision/Recommendation: Approve::::.:: Decision Party: S stem:: F10/19/200514 y Decision Based upon: Applicant STINE, RONALD E [207 46 1)::: :::: Review Approvals Below: Application Score: ::;:253: Cutoff: Review Declines Above: Decision: Approve:::::; ;:: Current Status: rchive::::::::::•::::•::•::•::::::•::•::•::•::•::.::.: Underwriter: M ax Sys Approved Amt: Reasons to Override: :•::::•::•::::•::::::•::::•::•:::::•::•:::•::•::•:::•::•::•::•::•::•::•:::•::•::•::•::•::•:>:::•::•::•:: Stipulations: •::•::•::>:::::•::::•:>::•:::::•::•::•:::•::•::•:::•::•::•::;:•::•::•::•::•::•::•::•:::•:::•::•:::•::•::<:• : .:........................................................................................... .............. .:..:. ...:.:.:.:.:..:.:.::.:.:.:.:.:.:.:.:.:.:.:.:.:.:..:.:.::.:..:: XXXXXXX f •R Field Label Value <XNET,XNETRE,XPHONE,XPAPRE, XPHONE Disclaimer Answer AYES or CYES AYES Individor Jnt App f I or J '•. Denial Code Pa Cycle Type: All 14:36:10 .:...... General .... . ..... . ... , ACT. .AT HOME ONLY::•::•:::•::•::•::•::•::•::•::• :::::::::::::::::::::::::::::::::::::::::::::::::::::::::;::: :;::;::;::;::::;:::;: :: View Archive 8/23/2010 3:06pm - Page 6 of 9 EXHIBIT "C" PSECO Pennsylvania State Employees Credit Union P.O. Box 67013 • Harrisburg, PA 1710 1 6-701 3 • (717) 234-8484 Harrisburg, (800) 237-7328 Nationwide the financial linke Loan Disclosures This LOANLINER° Credit and Security Agreement, which includes the Truth in Lending Disclosures, will be referred to as the Plan. The Plan documents include this agreement and an Addendum. You, your and borrower mean any person who signs the Plan. Credit union, we, our and us mean PSECU or anyone to whom the Credit Union transfers its rights under the Plan. 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. 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. REPAYMENT - You promise to repay all amounts you owe under the Plan plus :.interest. Payments aro due.on the last day of the month unless we set a different day 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 sharedraft account, you will be responsible for paying all overdraft advances obtained by a joint holder of the sharedraft account. Unless otherwise required by law, payments will be applied to amounts owed under the Plan, in the manner the Credit Union chooses. 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 unauthorized advances directly from the Plan, your liability will not exceed $50. If the unauthorized withdrawal is from a sharedraft 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. 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. - SECURITY - You pledge as security for the Plan all shares and dividends and, if any, all deposits and interest in all joint and individual accounts you have with us now and in the future. If a specific dollar amount is pledged for an advance, we will freeze shares in that account to the extent of the outstanding balance for the advance. Otherwise, your pledged shares may be withdrawn unless you are in default. The following paragraph applies in all states except in Ohio, Rhode Island and Massachusetts: We have a statutory lien on the shares and dividends and, if any, the deposits and interest in all individual and joint accounts you have with us and may exercise our rights under the lien to the extent permitted by state law. (We are state chartered if our name does not include the term "Federal Credit Union.") For all borrowers: The statutory lien and/or your pledge will allow us to apply the funds in your account(s) to what you owe when you are In default. The statutory lien and your pledge do not apply to any Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given as security. Additional security for the Plan may be required at the time of an advance. If a subaccount identifies a type of property (such as "New Cars") you must give that type of property as security when you get an advance under that subaccount. A subaccount name such as "Other Secured" means you must provide security acceptable to us when you obtain an advance under that subaccount. Property you give as security will secure all amounts owed under the Plan and all other loans you have with us now or in the future, except any loan secured by your principal dwelling. Property securing other loans you have with us may also secure the Plan. 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 ® CUNA MUTUAL GROUP, 1980, 82, 84, 86, 89, 98, 99, 2000, 01, 02, 03. 04, 05, ALL RIGHTS RESERVED • . o. 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. The credit insurance rates may change during the Plan. If the rates change, we will provide any notices required by applicable law. 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. 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 you authorizes the other(s) to obtain advances individually and agrees to repay advances made to the other(s). Any joint accountholder may terminate the Plan by giving us prior written notice. If any of you terminate the Plan, the Plan is terminated for all of you. You remain liable individually and jointly for all advances incurred before termination. 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 we do, 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. Our current fees are disclosed on the Addendum and will be added to your loan balance unless you pay them in cash. 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. DEFAULT - The following paragraph applies to borrowers in Idaho, Kansas, Maine and South Carolina: You will be in default if you do not make a payment of the amount required when it is due. You will also be in default if we believe the prospect of payment, performance, or realization on any property given as security is significantly impaired. The following paragraph applies only to borrowers in Wisconsin: You will be in default if you fail to make a payment when due two times during any 12 month period. You will be in default if breaking any promise made under the Plan materially impairs your ability to repay what you owe or materially impairs the condition, value, or protection of or our right in any property you gave as security. The following paragraph applies only to borrowers in Iowa: You will be in default if you are more than 10 days late in making a payment. You will also be in default if you do not comply with the terms of the Plan and your failure to comply materially impairs any property you gave as security or your ability to repay what you owe under the Plan. The following paragrapkapplies to borrowers in all other states: You will be in default if you do not make a payment of the amount required when it is due. You will be in default if you break any promise you made under the Plan or if anyone is in default under any security agreement made in connection `with an advance under the Plan. You will be in default if you die, file for bankruptcy, become insolvent, if you make any false or misleading statements in any credit application or update of credit information, or if something happens we believe may substantially reduce your ability to repay what you owe. You will be in default if any property you have given us as security is repossessed by someone else, seized under a forfeiture or similar law, or if anything else happens that significantly affects the value of the property or our security interest in it. You will also be in default under the Plan if you are in default under any other loan agreement with us. ACTIONS AFTER DEFAULT - The following paragraph applies to borrowers in Colorado, District of Columbia, Iowa, Kansas, Maine, Massachusetts, Missouri, Nebraska, South Carolina and West Virginia: 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 or, if applicable, at the default rate disclosed on the Addendum. If a demand for immediate payment has been made, your shares and/or deposits can be applied towards what you owe as provided in the section above called "Security." 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 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. If the property is a motor vehicle or boat, you agree that we may CPSMO1 PSECU FORM N3146 LOANLINEW Credit and Security Credit Agreement (continued) obtain a key or other device necessary to unlock and operate it, when you are in default. 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 for 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 disposition or the date after which a private disposition 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 the Bankruptcy Code. You must pay any amount that remains unpaid after the sale money has been applied to any unpaid balance under the Plan. You agree to pay interest on that amount at the same rate as the advance, or, if applicable, at the default rate disclosed on the Addendum, until that amount has been paid. The following paragraph 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 property given as security. You may voluntarily give the property to us if you choose, or we may seek to take possession of the property by judicial process. If we repossess the property, you agree to pay reasonable expenses incurred in disposing of the property. 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 Section 422.413 of the Wisconsin Statutes. You must pay any amount that remains unpaid after the sale money has been applied to what you owe under the Plan. You agree to pay interest on any unpaid amount at the same rate as the advance, or, if applicable, at the default rate disclosed on the Addendum, until that amount is paid. If the property is located outside Wisconsin at the time of default, we may take possession of the property without judicial process, if permitted by the state where the property is located. The following paragraph applies only to Louisiana borrowers: When you are in default, we can require immediate payment (acceleration) of the entire unpaid balance under the Plan. You waive any right you have to demand for payment, notice of intent to accelerate and notice of acceleration. If immediate payment is demanded, you 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 and our rights under any security agreements you have with us. CANCELLING OR CHANGING THE PLAN - The following paragraph applies only to borrowers in Illinois: We have the right to change the terms of the Plan from time to time after giving you any advance notice required by law. Any change to the interest rate or other charges will apply to future advances. The following paragraph applies only to borrowers in Wisconsin: We can change the terms of the Plan from time to time in accordance with Section 422.415 of the Wisconsin Statutes. You will be notified of any change in terms. An increase in the dalIq periodic rate under a variable rate interest rate is not considered a change in terms under the Plan. We can cancel the entire Plan or any part of the Plan at any time. You may cancel the Plan at any time by giving us prior written notice. Your obligation to pay the unpaid balances under the terms of the Plan continues whether you or the credit union cancel the Plan, except to the extent that your liability is limited by Section 422.4155 of the Wisconsin Statutes. The following paragraph applies only to borrowers in Iowa: We can change the terms of the Plan from time to time after giving you any advance notice required by law. A change that increases the rate of finance charge or other charge, that increases the amount of your payments, or that otherwise adversely affects existing balances will apply to existing balances only 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 but 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 may cancel the Plan at any time by giving us prior written notice. Your obligation to pay the unpaid balances under the terms of the Plan continues whether you or the Credit Union cancel the Plan. 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. CONTINUED EFFECTIVENESS - If any part of this Plan is determined by a court to be unenforceable, the rest will remain in effect. NOTICE TO UTAH BORROWERS - This written agreement is a final expression of the agreement between you and the Credit Union. This written agreement may not be contradicted by evidence of any oral agreement. The following is required by vermont law - NOTICE TO CO-SIGNER - YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. The following paragraphs 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. THE SECURITY FOR THE PLAN - 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. WHATTHE SECURITY INTEREST COVERS/CROSS COLLATERAL PROVISIONS -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. OWNERSHIP OF THE PROPERTY - You promise that you own all property you give as security 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. PROPERTY INSURANCE, TAXES AND FEES - You must maintain property insurance on all property that you give as security under the Plan. 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 also promise to pay all taxes and fees (like registration fees) due on the property. If you do not pay the taxes or fees on the property when due or keep it insured, we may pay these obligations, but we are not required to do so. Any money we spend for taxes, fees or insurance will be added to the unpaid balance of the advance and you will pay interest on those amounts at the same rate you agreed to pay on the advance. We may receive payments in connection with the insurance from a company which provides the insurance. We may monitor our loans for the purpose of determining whether you and other borrowers have complied with the insurance requirements of our loan agreements or may engage others to do so. The insurance charge added to an 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 an advance, we may increase your payments to pay the amount added within the term of th&4nsurance or approximate term of the advance. INSURANCE 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 premium for this insurance may be higher because the insurance company may have given us the right to purchase insurance after uninsured collateral is lost or damaged. The insurance will not be liability Insurance and will not satisfy any state financial responsibility or no fault laws. 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. You promise to pay all costs, including but not limited to any attorney fees, we incur in protecting our security interest and rights in the property, to the extent permitted by applicable law. USE OF PROPERTY - Until the Advance has been paid off, you promise you will: (t) 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. (7) Not to retitle property in another state without telling us. 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 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. NOTICE FOR ARIZONA OWNERS OF PROPERTY - It is unlawful for you to fail to return a motor vehicle that is subject to a security interest, within thirty days after you have received notice of default. The notice will be mailed to the address you gave us. It is your responsibility to notify us if your address changes. The maximum penalty for unlawful failure to return a motor vehicle is one year in prison and/or a fine of $150,000. This notice contains important information about your rights and our responsibilities under the'Fair Credit Billing Act. You are advised to read your monthly statement and review it for any error discrepancies or unauthorized transactions. NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT. If you think your statement is wrong, or if you need more information about a transaction on your statement, write us on a separate sheet at the address listed on your statement. You are required to notify us in writing within 60 days following the date on which we sent your statement wherein the error or problem first appeared regarding any discrepancy or unauthorized transactions on your account. Failure to notify us may result in your acceptance of any responsibility for payment or reimbursement to us for any such error or discrepancy on your account. Write to us as soon as possible. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: ' Your name and account number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay a credit card account automatically from your share account or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur. YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE - We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the statement was correct. 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. The cards remain our property and you must recover and surrender to us all cards upon our request and upon termination of this Agreement. 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 agree to notify us immediately, orally or in writing of the loss, theft or unauthorized use of your Credit Cab. You may be liable for the unauthorized use of your Credit Card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use. You will have no liability for unauthorized purchases made with your Credit Card, unless you are grossly negligent in the handling of your Card. In any case, your liability will not exceed $50. 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 restoreyouur Credit Line by_the amount of the payment which is applied to the principal. You may request an increase in your t. 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 cans 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. 5. CREDIT INFORMATION -You authorize us to investigate your credit standing when opening, renewing or reviewing your account, and you authorize us to disclose information regarding your account to credit bureaus and other creditors who inquire of us about your credit standing. 6. MONTHLY PAYMENT - We will mail you a statement every month showing your Previous Balances of purchases and cash advances, the current transactions on your account, the remaining credit available under your Credit Line, the New Balances of purchases and cash advances, the Total New Balance, the Finance Charge due to date, and any other billed fees, and the Minimum Payment required. Every month you must pay at least the Minimum Payment within 25 days of your statement closing date. By separate agreement you may authorize us to charge the minimum payment automatically to your share or checking account with us. You may, of course, pay more frequently, pay more than the Minimum Payment, or pay the Total New Balance in full, and you will reduce the finance charge by doing so. If your monthly payment exceeds the total credit fine balance owed, we will automatically post the credit to your S1 shares. The minimum payment will be (a) 2% of your Total New Balance, rounded up to the next even dollar, or (b) $20.00, whichever is greater. In addition, at any time your Total New Balance exceeds your Credit Line, you must immediately pay the excess upon our 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 against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your statement that are not in question. If we find that we made a mistake on your statement, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your statement. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your statement was correct. SPECIAL RULE FOR CREDIT CARD PURCHASES - If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations on this right: (a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services: - -- - demand. We will apply payments in the following manfter: 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 the 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 and corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum. Cash Advances: We calculate your finance charge on cash advances by multiplying the average adjusted daily balance (see explanation below) for cash advances during the billing cycle by the monthly periodic advance rate and corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum. Balance Computation Method 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 (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 io_Your_account that day.. After applying. payments.. and credits, _ we_ subtract the amount of any unpaid Finance Charges or Late Charges. Then we also subtract the amount of any Cash Advance transactions that posted to your account on that day or in any previous day in the billing cycle. This gives us the Daily Balance for purchases. Average Daily Balance for Cash Advances - Cash Advance Transactions which are posted to your account are not included in the 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 Monthly Periodic Rate. 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 number of days in the billing cycle. To calculate the 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 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 Cana Agreement and Truth In Lending Disclosure (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 shown on that statement, we will not apply the Monthly Periodic Rate to your Account on your next statement. 8. DEFAULT - You will be in default if you fail to make any Minimum Payment within 25 days after your monthly statement closing date. You authorize us to transfer funds sufficient to make the minimum payment due if your Visa loan is in default. You agree that we may temporarily suspend your ATM card access if your Visa payment is due for a period exceeding 30 days. You will also be in default if your ability to repay us is materially reduced by a change in your employment, an increase in your obligations, bankruptcy or insolvency proceedings involving you, your 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, 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 verify the monthly statement. The Credit Union may make a reasonable charge for photocopies of slips you may request. 10. OVERDRAFT OPTION - If you elect to overdraft to your PSECU Visa Credit Card, that election is subject to the existing credit limit and the agreement it represents and the current loan policy at the time of the overdraft. You also understand that an overdraft will be considered the same as a cash advance on your PSECU Visa Credit Card and that the current Annual Percentage Rate for cash advances will apply. 11. 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 Visa line of credit. If your credit and payments exceed what you owe us, we will automatically post the excess credit balance to your S1 Shares within 75 days. If the balance is one dollar or more, upon your written request, we will refund the credit balance to you. 12. FOREIGN TRANSACTIONS - The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or a government-mandated rate in effect for the applicable central processing date. In each>instance, an adjustment may be assessed based on the ISA fee imposed by Visa. This fee, which totals 1% of the transaction amount, will be assessed on all transactions where the merchant country differs from the country of the card issuer. 13. SPECIAL RULES FOR VISA PURCHASES - If you disagree or find an error with a Visa transaction, and have tried in good faith to correct the problem with the ATM CARD CARDHOLDER AGREEMENT - The Undersigned (you or your), in consideration of THE PENNSYLVANIA STATE EMPLOYEES CREDIT UNION (we, our and us) issuing to you an ATM CARD, hereby agree to be legally bound by the following terms and conditions. You agree that the use of your ATM card(s) constitutes acceptance of the terms and conditions of this Agreement. You understand that ATM is a credit-related -service and you authorize PSECU to obtain a credit report on any users of this account. 1. ACCOUNTS AND USES OF ATM CARD - You have the account(s) (including Checking and Regular Shares), which we set forth on your application form with this Agreement. You hereby request that we issue to you one or more ATM CARD(S) to be used in connection with such accounts as described in this Agreement. You understand you may use the ATM CARD at a STAR SYSTEMSS ATM 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 SYSTEMS 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 ATM CARD to purchase goods and services ("Purchase°) at any retail establishment ("Merchant") where ATM CARDs are accepted by such Merchant. If you use the ATM CARD to make a Purchase to obtain cash, if permitted by the Merchant, you shall be requesting us to withdraw funds in the amount of such Purchase (including any cash received from the Merchant) from your 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 ATM CARD which we may later make available and which we advise you are offered in connection with your account(s) set forth on your application form. You also understand that from time to time you may request in writing that we provide access to additional accounts of yours through the ATM CARD we have issued to you. You agree that the uses of the ATM CARD described merchant or the charges are the result of unauthorized or fraudulent use, or your purchase cost more than $50 and was made from a plan merchant in your state within 100 miles of your home, contact PSECU. 14. DISPUTED TRANSACTIONS - You are required to notify PSECU in writing within 60 days following the date on which we sent your statement wherein the error or problem first appeared regarding any discrepancy or unauthorized transaction on your account. Telephoning PSECU does not preserve your dispute rights. You may be required to provide us with documentation to support your dispute claims. In addition, you may be required to complete a standard dispute form outlining the details of your dispute. In cases of fraudulent card use, PSECU will also require a notarized affidavit. In some cases we may ask you to notify the local authorities. If we do not receive the proper requested documentation in the time specified you may be held responsible for the transaction(s) in question. PSECU must adhere to strict dispute timeframes set forth by Visa. 15. 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. 16. 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 tra6sactions. 17. LATE PAYMENT CHARGE - If your Minimum Payment is not received by the first day of the month following your due date, you will be subject to a $20 charge. 18. RUSH FEES - You may incur additional charges for rush processing and rush delivery of cards and/or PIN mailer. 19. OVER LIMIT FEE -A $20 fee will be applied for each monthly statement closing date on which the outstanding balance exceeds the assigned credit limit by more than $100. 20. DRAFT COPIES - You may incur an additional charge for transaction summary/sale draft documentation. 21. COPY RECEIVED - You acknowledge receipt of a copy of this Agreement. 22. ILLEGAL TRANSACTIONS PROHIBITED - You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. 23. NO USE - Inactive Visa accounts that have no purchase or cash activity may be closed without notice to you after 18 months of no activity. 24. NEURAL NETWORK - PSECU uses neural network systems to predict and prevent unauthorized transactions. There may be occasions when a transaction is declined because it is indicative of possible fraudulent activity. in this Agreement shall be subject to the rules and regulations of each account which is accessed by such Card. 2. USE OF PERSONAL IDENTIFICATION NUMBER ("PIN") WITH ATM CARD You understand that a STAR SYSTEMS or a PLUS SYSTEM ATM is an automated teller. It can and will perform many of the same tasks as a human teller. You acknowledge that the Personal Identification Number or PIN which you use with the ATM CARD is your signature, identifies the bearer of the Card to the STAR SYSTEMS ATM, PLUS SYSTEM ATM, or other network ATM and authenticates and validates the directions given just as your actual signature and other proof identity you and authenticate and validate your directions to a human teller. You also understand that a Merchant which accepts the ATM CARD for a Purchase transaction may have an electronic terminal (Merchant operated or Self-Service) which requires the use of your PIN and when your PIN is used at a Merchants terminal, it will authenticate and validate the directions given just as your actual signature will authenticate and validate your directions given to us. You acknowledge that your PIN is an identification code that is personal and confidential and that the use of the PIN with the ATM CARD is a security 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 ATM CARD(S) issued to you or PIN has been lost or stolen or money is missing from your account(s). You also agree that if your monthly statement 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 IF YOU GIVE YOUR ATM CARD(s) and PIN TO 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 ATM 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 ATM CARD. Do not keep a written record of your PIN near your ATM CARD. Do not choose a PIN that is easily identifiable. .. I ..- Electronic ?uncis Trarrster. ATM Aareemen gulatlon "E" Dlsclosur Or write to us at: (continued) nsyl A new card may be ordered for you at that time and a "hold" will be placed on your P.O. Boxv67013tate Employees Credit Union old card. Aftg r Such time, if you find your old card, destroy the old card by cutting it Harrisburg, PA 17106-7013 in half. If you attempt to use your old card, it will not work. PSECU Business Hours: 4. CHARG E S ___. You agree to pay a 50 cent charge for each deposit or withdrawal 8:00 a.m. - 5:00 p.m. M - F exceeding 1 5 a rnonth. You agree to pay the 50 cent penalty charge on any cash TDD (800) 472-1967 Nationwide disbursement transaction (loan advance or share withdrawal) that is less than $20. (717) 777-2100 in Harrisburg You agree to p ay a 25 cent charge on each balance inquiry. You may incur a charge 4. FINANCIAL INSTITUTION'S BUSINESS DAYS - for any adjustment that needs to be made to your account resulting from an error you made white making a deposit at an Automated Teller machine (ATM). You agree ATM, ACH and SST - PSECU's Business Days are Monday through Fric to pay the ch a rges or transaction fees which are charged by us for these services Holidays not included. or for services which may later be offered as such fees or charges may be imposed 5. TYPES OF ELECTRONIC TRANSFERS A CONSUMER MAY MAKE - or changed from time to time. • ATM - Balance inquiries on checking, savings and PSL; withdrawals fn 5. DEPOSITS - You agree that when you make a deposit at a STAR SYSTEMS checking/savings; cash advance from PSL; deposits to checking/savint ATM that we have the right to verity the deposit before we make the money available Purchase goods and services at any accepting retail establishment. to you. If you deliver cash, checks or other items to a STAR SYSTEMS ATM, you • ACH - Preauthorized debits and credits to checking and savings. 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 SST - Balance inquiries and transaction histories on all share, certificate a loan accounts; transfers from any share to another share loan account frc rules and regulations regarding the particular account in which you are making a your PSL to any share or loan account; withdrawals from m any share exce deposit, the items that you are depositing and whether the deposit is made at a IRA shares or certificates. ce STAR SYSTEMS ATM that is owned by us or another financial institution. You also understand and acknowledge that not all STAR SYSTEMS ATMS may accept R ANY CHARGES FOR ELECTRONIC FUNDS TRANSFERS OR FOR TH deposits and some STAR SYSTEMS ATMS may limit the amount of funds which RIGHT TO MAKE TRANSFERS - may be deposited and that we may not control these limits. ATM - Fifty cents for each disbursement (cash advance or withdrawal) le; 6. LIABILITY -- If the ATM CARD is issued for a joint account, you agree to be than $20; fifty cents for each transaction over 15 per month; 25 cent for eac jointly and severaffy liable under the terms of this Agreement and the agreement for balance inquiry; and there may be an additional charge for any adjustmer such account. You agree that if you make deposits or payments to your accounts that needs to be made to the account of any member Who mates an ert< with items other than cash (checks, drafts or other items) and we make funds while depositing at an Automated Teller machine (ATM). available to you from such deposits prior to their collection, you agree that we may ' ACH - $30 service charge for insufficient funds for each electronic transfer. deduct the amounts of such funds from your account(s) which are not collected or, • SST - none if the funds in your account(s) are insufficient at such time, you will promptly pay to 7. SUMMARY OF CONSUMER'S RIGHT TO RECEIVE DOCUMENTATION 01 us any amount of such funds which are not collected. EFT'S - 7. AMENDMENT OF THIS AGREEMENT - You agree that from time to time we ATM - You are entitled to receive a printed receipt at the time of ead may amend or change the terms of this agreement including amendments or transaction. You will receive a monthly statement showing the status of you changes to add further ATM CARD services or to amend or change the charges for account, any transactions made during the month, and any penalties o these services. We may do so by notifying you in writing of such amendments or charges PSECU may impose during the month. changes and your use of the ATM CARD after the effective date of any such • ACH and SST - You will receive a monthly statement showing the status of amendment or change shall constitute your acceptance of and agreement to such amendment or change. your account, any transactions made during the month, and any penalties or charges PSECU may impose during the month. 8. OWNERSHIP - You agree that the ATM CARD is our property and you will • If you have arranged to have a direct deposit made to your account at least surrender it to us upon our request. You agree that the ATM CARD is non- once every 60 days from the same person or company, you can call us at transferable. (800) 237-7328 to find out whether or not the deposit has been made. 9. DISCLOSURES -You hereby acknowledge receipt of the disclosure statement B. STOP PAYMENT RIGHTS - PRE-AUTHORIZED TRANSFERS - inform1wg you of your rights under the Electronic Funds Transfer Act and a copy of ATM and SST - Not applicable. this Agreement. REGULATION "E" DISCLOSURE 1. ELECTRONIC CHECK CONVERSIONIELECTRONIC RETURNED CHECK FEES - If you pay for something with a check or share draft, you may authorize it to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization. 2. SUMMARY OF CONSUMER LIABILITY - • ATM, ACH and SST Tell us at once if you believe your card has been lost or stolen. Telephoning is the best way to keep your possible losses down. You could lose all the 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 lose no more than $50 if someone used your card without your permission. If you do not tell us within two business days after you learn of 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. 3. TELEPHONE NUMBER AND ADDRESS TO NOTIFY OF UNAUTHORIZED TRANSFERS - • ATM - Contact PSECU at (800) 237-7328 EXT 3808 (nationwide) or (717) 234-8484 (in Harrisburg). After hours, follow the menu options on PSECU's voice mail system to report a lost or stolen card. For Visa Credit or Debit Cards, follow the directions for Lost Card Notification under the Visa Credit Card Agreement and Truth-in-Lending Disclosures section of this document. • ACH and SST - Contact PSECU at (800) 237-7328 (nationwide) or (717) 234-8484 (in Harrisburg). • 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) orre (7dit U17) 2nion34-8484: (Harris6701Boxburg) or writeus at: Pennsylvania State Empoyees C l , P.t3, 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 insteado 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. • LlabllJty 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. 9. SUMMARY OF THE FINANCIAL INSTITUTION'S FAILURE TO MAKE OR STOP CERTAIN TRANSFERS - • ATM - 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 STAR Systems, PLUS system has insufficient cash to complete the transaction; (6) your card has been reported lost or stolen and you are using the reported card; PSECU has reason to (8) the failure is due to an equipmethe nt tb eakdt unauthorized; own that you know about when you started the transaction at the STAR Systems, PLUS System; (9) the failure was caused by an act of God, fire, or other catastrophe, or by any beyond athar Scause TAR Systems (10) if you orr complete a System, attempt that so not that, Electronic Funds Transfer. ATM Agreement and Regulation "E" Disclosure (continued) permissible transaction listed above; or, (11) the transaction would exceed the security limitations on the use of your ATM CARD. • ACH and SST - If PSECU fails to complete a transaction on time or in the correct amount, when 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 only for actual proven and not consequential damages if the failure to make the transaction resulted from a bona fide error despite PSECU's procedures to avoid such errors. 10. DISCLOSURE TO THIRD PARTIES - • ATM, ACH and SST - PSECU will disclose information about your account to third parties: (1) when it is necessary to complete transactions; (2) to 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; Regulation P, Privacy of Consumer Financial Information; and (7) when it is necessary to take legal action to recover shares. 11. STAR SYSTEMS SERVICES - • ATM Only -You may use your ATM CARD with your Personal Identification Number (PIN), at STAR SYSTEMs located in Delaware, Maryland, New Jersey and Pennsylvania to conduct any of the following transactions for the accounts accessed by your ATM CARD. a) Determine the account balance(s) of your Checking your Regular Shares, and your Personal Service Loan (PSL). b) Withdraw cash from your Checking and your Regular Shares. c) Make a cash advance from your Personal Service Loan (PSL). d) Deposit currency, checks, or drafts (coins are not acceptable) for transmission to PSECU for deposit in your Checking and your Regular Shares. NOTE: There are limited locations in Maryland where deposits may be made. We wish to inform you that some ATMs located in these areas may only provide access to your Checking, your Regular Shares, and your Personal Service Loan. Not all ATMs may accept deposits. There may also be limits on the amount of funds which you may deposit in certain ATMs. 12. PLUS SYSTEM• SERVICES - • ATM Only -You may use your ATM CARD with your Personal Identification Number (PIN) at any PLUS SYSTEM automated teller machine (PLUS SYSTEM ATM) located throughout the United States, Puerto Rico, Canada, Great Britain and Japan to conduct any of the following transactions on the accounts accessed by your ATM CARD. a) Determine the account balance(s) of your Checking, your Regular Shares, and your Personal Service Loan (PSL). b) Withdraw cash from your Checking and your Regular Shares. c) Make a cash advance from your Personal Service Loan (PSL). NOTE: Deposits are not available through PLUS SYSTEM ATMs. These are the STAR SYSTEMS services currently available through the PLUS SYSTEM network. Other services may be offered in the future. 13. OTHER ATM NETWORK ACCESS • ATM Only - From time to time, PSECU may make arrangements with other ATM networks to grant access to ATM CARDs. PSECU shall inform you when such arrangements are made and describe the services that are available to you. Any charges will also be described. 14. PURCHASE TRANSACTIONS - • ATM Only - You may use the ATM CARD to purchase goods and services ("Purchase") at any retail establishment ("Merchant") where ATM CARDs are accepted by such Merchant. The amount of all such Purchases will be deducted from your Checking. When you make a Purchase using the ATM CARD, you will be requesting PSECU to withdraw funds from your Checking in the amount of the Purchase and directing PSECU to pay these funds to such Merchant. 15. LIMITATIONS ON THE USE OF YOUR ATM CARD - • ATM Only -You may withdraw up to $500 per day from one or a combination of your accounts by using a ATM CARD provided the funds are available at a STAR SYSTEMs or PLUS SYSTEM ATM. In addition, you may 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 ATM CARD. However, these limitations are not revealed for security reasons. The Pennsylvania State Employees Credit Union is not obliged to maintain such limitations. You will be denied use of your ATM CARD if you exceed the daily withdrawal/purchase limit, if you do not have adequate funds available in your account, do not enter the correct Personal Identification Number (PIN), or exceed the frequency of usage limitation. The receipt provided by the STAR SYSTEMS or PLUS 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 ATM CARD. The number of attempts that result in machine retention is not revealed for security purposes. 16. ERROR RESOLUTION PROCEDURES - • ATM, ACH and SST - In case of errors or questions about your transactions: Direct inquiries to PSECU at (800) 237-7328 Nationwide, TDD (800) 472- 1967 Nationwide, (717) 777-2100 in Harrisburg, or write PSECU at: Pennsylvania State Employees Credit Union, P.O. Box 67013, Harrisburg, PA 17106-7013, as soon as you can if you think your statement or receipt is wrong, or if you need more information about a transaction listed on the statement or receipt. PSECU must hear from you no later than 60 days after it sent you the first statement on which the problem or error appeared. You must provide the following information: (a) Your name, account number, and ATM CARD number (if a ATM transaction), or reference number (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 information, and; (c) The dollar amount of the suspected error. If you tell PSECU orally, you must send your complaint or question in writing within 10 business days. PSECU will tell you the results of the investigation within 10 business days for STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE TELEPHONE, or DIRECT DEBIT/CREDIT TRANSACTIONS, or 20 days for STAR SYSTEMS purchase transactions. If we need more time, however, we may take up to 45 days for STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE TELEPHONE, or DIRECT DEBIT/CREDIT TRANSACTIONS or 90 days for STAR SYSTEMS purchase transactions. If PSECU decides to do this, it will recredit your account within 10 business days for the amount you think is in error if it is a STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE TELEPHONE, or DIRECT DEBIT/CREDIT transaction, or 20 business days if it is a STAR SYSTEMS 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. 17. ATM SURCHARGE - If you use an ATM that is not operated by us, you may be charged a fee by the ATM operator and by any national, regional or local network used in processing the 'transaction (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). The ATM surcharge will be debited from.your account if you elect to complete the transaction. Notice To Consumers Using ATM's • Be alert to your surroundings. If you doubt the safety of a particular location, choose another ATM. • 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. 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D N m 0 W= N C T n o ?- f< n p' m c 9-0 o -< 3 c w m m ?. o ' m c m m° m m s m o c m ?°r 0 T< o 0 3 o o cQ o m° m a m ° a - c 3° C O o m Q. ? m a 3' Y a m Q0 ° mo c a° ;E 0 Q m Cl 3' m ° O ° D. o c °_ o° N ?_' m H. ccD m F ^ s o m O c M O= COD :-11 c O C ? p H 3 N m.£ nTDc c^ o m ° ?: 3 CD 3^ ? T° 3 m c m m 2 m o cn o 3 s° H' s n n m° c s° m< < o c c<° a) 3 m m a ?. °, O 0 m a ?_ '' O N ' m X. ? ° C ' ''< ?- 0 ° ° m O < 0 3 3.m 3-0 D am ° o o c m m =.o M ?9 c5- m'rc 0 3 < c? o - m< o f s y. a m n m > > o r" c m O H f0 0 (? o f to a^ p o 3 0 O a a o o c ? o ? 3 a _. f 'm < a- m = w--' c ° 3 m c F m M m C a 3 c [[O]] c a o c m o m o o m° n o o F a i ? 3 (D N H 7 mp S (p O w am 3 O p c OD 7 C ^ ° 3 cr ac m o °-m °a ° o-C s9 n ° .< : O' o a o p Q m n n" SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor nzFttr? :F 'rte , `F.RII;F Pennsylvania State Employees Credit Union Case Number vs. 2010-6919 Ronald E Stine SHERIFF'S RETURN OF SERVICE 11/04/2010 11:29 AM - Amanda Cobaugh, Deputy Sheriff, who being duly sworn according to law, states that on November 4, 2010 at 1129 hours, she served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Ronald E. Stine, by making known unto himself personally, at 197 Skyline Drive, Mechanicsburg, Cumberland County, Pennsylvania 17050 its contents and at the same time handing to him personally the said true and correct copy of the same. audodmLik - AMANDA OBAUGH,DEPU SHERIFF COST: $37.00 November 05, 2010 SO ANSWERS, RON R ANDERSON, SHERIFF a-, - Y 1?1 K.5 '.•i i t?.. -..i Tim (n (c) CountySuite Sheriff. I eleosott_ Inc Civil Action-Law No. 10-6919 Pennsylvania State Employees Credit Union. Plantiff V. Ronald E. Stine Defendant T o wslt- =m M-i-; ` U) t7 t ) !41 > oo r-..Z -- . c> -YI Due to the poor economy I have not been able to pay the full amount of the monthly payments. I would like to pay the full amount due by setting up a payment schedule that is affordable. Thank you Ronald . Stine 12/7/2010 No. 2010-6919 r l; ED-O F 1CE :..i E P?;OTHONOTAR'l 2011 MAR I I PM 2: 31 r#UMBERLAND COUNTY PENNSYLVANIA 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. RONALD E. STINE, Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 2010-6919 PLAINTIFF'S MOTION FOR JUDGMENT ON THE PLEADINGS Plaintiff, Pennsylvania State Employees Credit Union ("PSECU"), by and through its undersigned counsel, moves for judgment on the pleadings in its favor and against Defendant, Ronald E. Stine ("Defendant"), pursuant to Pa.R.C.P. 1034, and in support thereof avers as follows: 1. PSECU is a Pennsylvania financial institution having an office at One Credit Union Place, Harrisburg, Pennsylvania 17110. 3143550-1 No. CI-06-02271 2. Defendant is an adult individual with a last known address of 197 Skyline Drive, Mechanicsburg, Pennsylvania 17050-1755. 3. This action arises out of Defendant's default under PSECU's Loanliner Credit and Security Agreement and Addendum Agreement ("Agreement") and signed Activation Notice dated October 21, 2005 (the "Activation Notice") as a result of Defendant's failure to make monthly payments when due. 4. On October 29, 2010, PSECU filed a Complaint. A true and correct copy of the Complaint, as well as all accompanying exhibits to the Complaint, are attached hereto as Exhibit "A" and incorporated herein by reference. On or about December 8, 2010, Defendant filed an Answer to the Complaint ("Answer"). A true and correct copy of Defendant's Answer is attached hereto as Exhibit "B" and incorporated herein by reference. 6. Under Pa.R.C.P. 1034(a), the pleadings in this action are closed. 7. The Complaint properly avers that Defendant executed and delivered to PSECU the Agreement and Activation Notice, and Defendant's subsequent default under these instruments for failure to make monthly payments due, which were due beginning on November 25, 2005 and on the twenty-fifth (25th) day of each month thereafter. 8. The Complaint properly sets forth a specific accounting of Defendant's default including the balance due and collection costs of 20% for the Personal Service Loan and $2,000.00 for the Visa, which immediately became due and payable upon Defendant's default. 9. In his Answer to the Complaint, Defendant stated the following: "Due to the poor economy I have not been able to pay the full amount of 3143550-1 2 No. CI-06-02271 the monthly payments. I would like to pay the full amount due by setting up a payment schedule that is affordable." 10. Under Pa.R.C,.P. 1029(b), "Averments in a pleading to which a responsive pleading is required are admitted when not denied specifically or by necessary implication. A general denial... shall have the effect of an admission." 11. Defendant's responses in his Answer, as recited in paragraph 9 above, can only be characterized as admissions or, even giving Defendant full benefit of any doubt, as general denials, which, under Pa.R.C.P. 1029(b), constitute admissions for purposes of the Motion before this Court. 12. Thus, either way, Defendant admits all of the averments in PSECU's Complaint. 13. The allegations in the Complaint, all of which Defendant has admitted, demonstrate that Defendant has defaulted under the Agreement and Activation Notice, and, as of October 29, 2010, the amount due on the Agreement and the Activation Notice is $14,014.16 plus costs. 14. Because Defendant has admitted all of the averments in the Complaint, there are no disputed issues of material fact in this case, and PSECU is entitled to judgment as a matter of law. 3143550-1 3 No. CI-06-02271 WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union respectfully requests that judgment be entered in its favor and against Defendant, Ronald E. Stine in the amount of $14,014.16 plus costs. BARLEY By: Shawn M. Long, Esqu/Pnnsylvania Court I.D. No. 83774 Attorneys for PlaintiffState Employees Credit Uni 126 East King Street Lancaster, PA 17602-2893 (717) 299-5201 3143550-1 4 No. 2010-6919 CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing Plaintiff s Motion for Judgment on the Pleadings was served this eday of k- , 2011, by first-class mail, postage prepaid, upon: Ronald E. Stine 197 Skyline Drive Mechanicsburg, Pennsylvania 17050-1755 BARLEY SNYDER LLC By: Shawn M. Long, E uire Court I.D. No. 8 74 Attorneys for aintiff, Pennsylvania State Employees C edit Union 126 East King Street Lancaster, PA 17602-2893 (717) 299-5201 3143550-1 EXHIBIT "A FILED-OFFICE OF THE PROTHONOTARY 201001"T 29 PH 1: r4 C U M B RLAND C0 U I.1 y PENNSYLVANIA BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 Troy B. Rider, Esquire Court I.D. No. 286319 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. RONALD E. STINE, COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 10 - ?q Vc Defendant 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 this 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 by the Court without further notice to you for any money claimed in the Complaint 3001741 1.W-Y, X or for any other claim or relief requested by Plaintiff(s). 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 N OT HAVE A LAWYER, GO 1'0 OR TELEPHONE THE 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. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 (717) 249-3166 800-990-9108 3001741 _ 1 DOCX 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. RONALD E. STINE, Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. AVISO PARA DEFENDER Conforme a RCP No. 1018,1 del PA LE HAN DEMANDADO EN CORTE. Si usted desea defender contra las demandas dispuestas en las paginas siguientes, usted debe tomar la accion en el plazo de veinte (20) dias despues de esta queja y el aviso es servido, incorporando un aspecto escrito personalmente o por el abogado y archivando en escribir con la corte sus defensas u objeciones a las demandas dispuestas contra usted. Le advierten que si usted no puede hacer asi que el caso puede proceder sin usted y un juicio se puede incorporar contra usted por la corte sin aviso adicional a usted para 3001741 1 DOCX cualquier dinero demandado en la queja o para cualquier otra demanda o relevaci6n pedida por Plaintiff(s). Usted puede perder el dinero o la caracteristica u otra endereza importante a usted. USTED DEBE LLEVAR ESTE PAPEL SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE Un ABOGADO, VAYA A O LLAME POR TELEFONO La OFICINA DISPUESTA ABAJO. ESTA OFICINA PUEDE PROVEER De USTED La INFORMACION SOBRE EMPLEAR A un ABOGADO. SI USTED NO PUEDE PERMITIRSE AL HIRE A un ABOGADO, ESTA OFICINA PUEDE PODER PROVEER DE USTED LA INFORMACION SOBRE LAS AGENCIAS QUE LOS SERVICIOS JURIDICOS de la OFERTA de MAYO A LAS PERSONAS ELEGIBLES EN Un HONORARIO REDUCIDO O NINGUN HONORARIO. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 (717) 249-3166 800-990-9108 3001741 1 [XxX BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 Troy B. Rider, Esquire Court I.D. No. 206319 126 East Ding Street Lancaster, PA 17602 (717) 299-5201 Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. RONALD E. STINE, COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. Defendant COMPLAINT Plaintiff, Pennsylvania State Employees Credit Union ("PSECU") is a Pennsylvania financial institution having an office at One Credit Union Place, Harrisburg, Pennsylvania 17110. 2. Defendant, Ronald E. Stine, is an adult individual with a last known address of 197 Skyline Drive, Mechanicsburg, Pennsylvania 17050-1755. 3001741 _I.DOCX 3. On or about October 19, 2005, Defendant applied for a Personal Service Loan with PSECU. A true and correct copy of the Personal Service Loan application is attached hereto as Exhibit."A" and incorporated. by reference. 4. On or about October 19, 2005, Defendant applied for a Visa with PSECU. A true and correct copy of the Visa application is attached hereto as Exhibit "B" and incorporated by reference. 5. PSECU approved Defendant's applications and opened an account ("Account I") in Defendant's name for the Personal Service Loan and an account ("Account II") in Defendant's name for the Visa. 6. Defendant received a disbursement on Account I and was approved for credit under Account II, all of which were subject to the terms and conditions of PSECU's Loanliner Credit Agreement and Loanliner Addendum ("Agreement"). A true and correct copy of the Agreement is attached hereto as Exhibit "C" and incorporated by reference. 7. Defendant is in default under Account I and Account II for failure to make payments when due. 8. The balance due and owing to PSECU from the Defendant on Account I is $2,384.62, plus collection costs of twenty percent (20%) or $476.92, which totals $2,861.54 plus costs. 9. Pursuant to the Agreement, in the event of default with respect to Account II, PSECU is entitled to be reimbursed for all costs and expenses, including reasonable attorneys' fees incurred in bringing any action to enforce the Agreement. 3001-1741 1 DOCX 2 10. For purposes of this action, PSECU believes, and therefore avers, that $2,000.00 constitutes reasonable attorneys' fees for enforcing the Agreement with respect to Account II. However, PSECU recognizes that it is restricted by law to those attorneys' fees that are actually incurred. If those fees are less than $2,000.00, PSECU agrees to adjust its demand for attorneys' fees, if applicable at the time payment on judgment is made. 11. The balance due and owing to PSECU from the Defendant on Account II is $9,152.62, plus reasonable attorneys' fees in the amount of $2,000.00, which totals $11,152.62 plus costs. 12. PSECU has demanded payment from Defendant, but despite these demands, the Defendant has refused and continues to refuse to make payments. 13. Pursuant to the :Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., Defendant may dispute the validity of the debt or any portion thereof. If Defendant does so in writing within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will obtain and provide Defendant with written verification thereof; otherwise, the debt will be assumed to be valid. Likewise, if requested within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will send Defendant the name and address of the original creditor if different from the above. 3001741 _ L DOCX WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union demands judgment in its favor and against Defendant, Ronald E. Stine, in the amount of $14,014.16, and costs of suit. BARLEY SNYDER LLC Date: /b ZY /G By: Shaft M. Long, Esquire Court I.D. No. 83774 Troy B. Rider, Esquire Court I.D. No. 206319 Attorneys for Plaintiff Pennsylvania State Employees Credit Union 126 East King Street Lancaster, PA 17602 (717) 299-5201 3001741 LDOCX 4 VERIFICATION Pennsylvania State Employees Credit Union v. Ronald E. Stine I, Gregory R. Diffenderfer, being duly affirmed according to law, depose and say that I am the Collection Manager for Pennsylvania State Employees Credit Union; that I am authorized to make this Verification on its behalf and that the facts set forth in the foregoing Complaint are true and correct to the best of my knowledge, information, and belief. To the extent that any of the averments in the foregoing document are based upon the understanding or application of law, I have relied upon counsel in making this Verification. This Verification is made subject to the penalties of 18 Pa. C.S.A. §4904, relating to unsworn falsification to authorities. Dated: iubo A4 Gregory R. Diffenderfer Complaint PSECU Ronald E Stine-PSL Visa EXHIBIT "A" PERSONAL SERVICE I#0AN AND VISA ACTNATION NOTICE OCT 2 6 209 Loan intormatton October Ref # : 494697 598 Applicant: RONALD E STM Approval Amount: $11,000.00 Home Telephone #: (717) 805-8272 Account # : 0207464311- Work # : 717) 766-4300 I acknowledge receipt of the PSECU LOANLINER Disclosure and Credit Agreement and agree to be bound by the termi set forth in said agreement, SignAire of RONALD E STINE Date lJ Personal Service Loan Options • I would file mediate Personal Service Loan advance of $? Purpose: Send a im check or ? deposit'to my Share 4 • Select your Personal Service Loan repayment option. ? Automatic Transfer from PSECU account Homebanking ? Payroll deduction- Direct Payment from another financial institution ? Self Service Telephone • For overdraft options, complete the enclosed Overdraft Transfer Service sheet and return it with your Activation Notice. 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 repayment option. ? Transfer on Pay Day (select one): ? minimum amount ? alternate payment amount of $ ? Transfer automatically from. PSECU account-on the 25th of each month (select one):. ? minimum amount ? alternate payment amount of $ ? previous month's balance ? Mail a payment monthly by the 25th. • For overdraft options, complete the enclosed Overdraft Transfer Service sheet and return it with your Activation Notice. • 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 I made them. Authorized card holders may not order replacement cards or obtain VISA account information (i.e. detailed transactions, balance information, payment activity). RONALD 1; STINE must sign below. Cam' ?=L'? Name of Authorized Card Holder Signat re of RONALD E STINE • 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 or 7. as part of your PIN. Also, do not use the following combinations of numbers: 0000 through 0009 or 9999. SCANNER EXHIBIT "B" cd: ............. :..:.::..::.:.:.:.:.:.:.:.:. :.. . ... •. ... ...s.....AaoGcartt -STING. Ei[7NAW ?.f207 46 4311.1. :::`-:::::•:::•:::::::: ;: .......... .:...:....:..:: .:..::.:.:.:.....:.:.: 'A.eclsi. I;ioorove<bv<Sustem .< ??::::•:;::::::;:::::::•::::::•::::•::;:•::•::: on 10/19!200514:36 37 `• ................................:.:.:.:.:.:.:.:.:. ............................. ................... .:.• .........:.......:.:.:. .... . ............. :........... . ..: ...:......::.:.:.:.: >rurrent Status: A[ettive.. ::-::; :::::; :::::: ;::::•::::::::::: ...::'::::: :::::::: ........................... .. .:. - - - - - - ---------------------------- Application Received: 10!19!2005 Tire: Received_ RPM Apps.{). g4 Branch :::::::: IMP T 1 = < Source: 266 ...k: Cross Ref :::: Source of Repayment: < W. F. . . . . . . . . . . . . . . . . . . . . . . . Secondary Source of Repayment: :..< v; ................ .............:. Pro • < Application Loan Type: Regular P ..? ......... reapproval?.' ..... .......... Purpose: .. ..........................:.:........... Unsecu?e?d'bar?-Rxchases: .::•::;=::•::::::•::::::::•::•::•::•::::•::•::•::•::•::•:: Unseerred,loan - Debt Consolidation ..... :- "' "''-''-- .:: .....................::• .:.: •::•:• •::• •::• :..:.:.; :.:.. nsecwred loam Personae i s X ii :•::•i ::•::•::•::•::•::•::•: >::::•:::•::•:::•::::•: : U nsecured:ban - Rdinancei ::: ;::-::•::::-::•::::-::: X..... ;::::::; :•::: : Specific Use of Proceeds: :::::::-:`:::: =::•: ::::::::::::::::::::: ........................... :=::;::::;: ;: . .. ............................. Credit Bureau: ; Experian .;W-%1 Share APPGcation Information?: ................... u?...... ,., Coupon Code::........... ... ...... Signing Location: ""' < Title First Middle Last ONALD Suffix Name: ............. Both Date: 02/07/1960 i:? SSN: 207.46 4311 Total Number of People in Household: Citizenship: US Citizen ::; Borrower Type: Applicant Spouse of Borrower. 'I No Marital Status: Mother's Maiden Name: . . . . . CB PIN:::; Emait SKYLINE1136@COMCAST.NET ;::•:::] AKA/FKA:; iew Archive :Foreign Address.. Apt ! Bldg / Ural Number Dr Street Name D'a Type Type Number I , i Standard Rural Route Rode/Military Type: Number. Box A-w • PO Box PO Box 724;;;;; County Lire 2: • •. • - Cky EW KINGSTOWN State: IPA . A Zrp: 17072 - 0724 Province: ; ._ . .. Country. ..............::: Postal Code.:.:.:.:.:.:.:.:.:.:.. Phone 7J 8058272_: Ext Residential Status::Own mtg Trrie at Address: 0 Q ::;: yrs ;::0 mths Cellular. Best Contact Phone- F r Contact Method:1 w Fax (J :`:: ::Phone number verified.:::0--Address verified.::::•••:=:: .............• aApplicant's mailing address is the same as the current address.:. Collect Previous Address Information. .... ..................... Position ,SALES MGR ......... _< SActive duty military member --- Employer Name: flBBY RAttAL HONDA Phone 7j 7 d00: Ext . .......... City: State: Verification Phone: ........... Borrower Code: ? Non-Employee Loan Time at Pres. Employer 10 c' yrs mths Amount: ?? ? y Pa Basis: Proof of n--c-ome received: • ?? Salary. <Gross :R :: 90000:00 :;; ::•::•::•:::::. . per, M :::? :..• ..rrrpbyrrrerrt ver4ie.. i :•:: ........... OT/Bwrus/Comm:::::::....:::: O.oO ;Annually ..... .. ..... ncome verified ......................... ..: ................. Other Income: . r•--?••?-•-.._...- ..-........................................... SoJfCe '::::•::•::::::::•::::::::::::•::::::•::::::::•::::: Alimony, child support & separate maintenance income need not be revealed if you do not wish to have it considered. lg :.. evious E mP -:':- ' -::• C..........ollect Pr loYme.. Information : ; View Amhi- Creditor Account Number ?.?.Payrrrent Balance-Type?LastAd Date PO Estimated Pawnent 220 11000 R Ain did sup, court ordered 0 0 Adiustment -134 0 A FIRST HORIZON HOME LOA 4810040832883 918 109464 1 10!2005 AMERICHOICE FED CR UNI 9020500003813630 0 2000 1 1012005 AMERICHOICE FED CR UNI 319090000322 412 26397 MI 10/2005 WELLS FARGO HOME MORTG 7080182111112 1278 159617 1 1012005 A H F C 60703664 418 13673 I 0912005 P S E C LI 2074643110009 129 6612 R 0912005 .: '.? :.: R :'N•• .•''.•' ?' '.•''TI(?•••: R •••.' V C,rS?MY? "? S1 Debt Ratio: LC Debt Ratio. Total S1 Pmts: S1 Proj Debt Ratio: Original Appbcation Factors used in Automated Decisioning Housing Pmt .._..:.,.1200.00 Other Expenses: Application Loan Pmt :.`. ; 1... Total Monthly Ac h: ::::...- :::;134 LC Proi Debt Ratio: :44 Total LC Pmts: Current Application Factors being utilized by Underwriter Housing Pmt ':'12(10:00 Other Expenses: l- Application Loan Pmt: Total Mor"A LC Proj Debt Ratio: Total LC Pmts: ??ZOd Monthly Income Summary Ratios Residual Income Summary Gross Income: 75IN] Revolving Debt: Total Income: 75 ... + 0 TBonuslComrrrssion0 Housing Debt ?::::16 ResidualAd4 +Other Income: 0 Total Revolving Line::".;c293 Total AN Pmts: ....-.. ................ =Individual Total Income: Payment to Income: = Net Residual IncC 3059 . Combined Income: Net Disposable Debt :'::44' Net Disposable Income: Product RV - Revolving - Combined PSLV (22] .......................................... # of Payments: LTV: ':-75.56 TotalAmt Financed: :::;11000.00 .................. ., Total Cc&geral Value: :'0.? CLTv.- F- :'0.00 Estimated Payment: ;i ...... : 2220.00 ::. 20.... Total Debt with Us:::::11000.00. HCLTV: •::':::0.00 Recommendation ove: ^= -M DecisionParty. pant STINE, RONALD E(207-46-4311)ApplicationScore:? CutdE ..... Score Surmnary: Borrower Bureau Model Score Missing Fields Report D STINE. RONALD E erian E erian/Fair Isaac 0725 10/19/2( STINE, RONALD Ex 'an L' ' edit Frnal S 253 0 10/1912( STINE, RONALD E erian Li uidDedk Sc 48 10/19/2( ----------- -- - -- -------Y.. :? For: --------- --- -- --- -- ..... Pull New: -?.Y.W.----- - ---- - ?f ::': ... ... ................................................................... ............................ :.:.:.:.:.:.:..::.:.: .:.:.............:..........::.:.:.:.:..::.:•::::•::::::; :•::::•:::....... ....................................................................... ............................ ............................................ :::. 'iew Archive - 8/23/2010 3:06om - Paee 4 of 9 ............?. ........_._ ....... . Credit Life Selection: Nane ~ Plan: ................ ... .. ..... . ` Disability Sew plan-; ......................................?......?....... ......... None Coverage: Life Disability ?Appficant STINE. RONALD E (207-46-4311) Credit Life (Decreasing) Credit Life (Level) Disability Premium Paid in Cash:: Insured Amount do :::::::: 0 OQ .................. :::: O OQ Mont* Benefit • .:.:.:..:.::.: QOQ ..:.........:.. Premium ............ . Cost Per Day.:::•::::::::: :::<:: ?: ::::•:::; ?: ,?? End Coverage Date: Coverage Term:::::::::::::::::'; :::Q Warnings .Manual umber Loan Date: 101191 Loan Number: ? Suffnc ::: :: :::•::: Reported Amount O.Ot? ------------------------ --------------- ....-- Pranary Collateral Code: ------- ..--. ; N ew - Type: new credo card Funds Request New Funds Amt Approved Term Requested Rate: ;::0.00000: Total Requested Limit 1000.OQ Interest Rate Lookup: Approved Rate: :::1290000 New Credit Lint ?::::;:11000.OQ rate. R ate • Use Decision party:: a Type: ' 1,12? . ............... .- Lock : rate. Rate Lock Date: 0 :Rescission Applies ......, .............. .............- .................. _...... Acct Number. ;w:. Coupon Code: ;; ' ..................... ...... -^- Decision/Recommendation ppiove Deasion Party. 10!191200.514:36:37:. Decision Based upon: Apdicant ST I NE, RONALD E (207-46-4311 k;: -: ;;:: ;, *" R eview Approvals B elow: 200 Application Score: Cutoff: Review Declines Above: Decisim pprove•:::•::•::•::•:::: Current Status: cFrve•::•;:•:::•:::::::•::::':'::•:::':: ....:.:..::.:.:..::.:.:.. . . : : Underwriter SysteKrr.:•::•:>:::>:::::::I1 0/1 912005 1 4:36:37:•::• Max Sys ApprovedArr .............................................................................................. Reasons to Override:: -:..: :.:.::..: ,.:..,.: ..................... Stipulations: j6W .............................................................................................. . . . . . . ..............................................::.. :'ti t: ...........................:... . Borrower Code I Reason Field Label Value <XNET,XNETRE,XPHONE,XPAPRE, XPHONE i Disclaimer Answer AYES or CYES AYES Individor Jnt App (I or J) I D enial Code [ Pay Cycle I View Archive 8/2312010 3:06om - Pane 6 of9 EXHIBIT "C" PSE(O Pennsylvania State Employees Credit Union P.O. Box 67013 • Harrisburg, PA 17106-7013 • (717) 234-8484 Harrisburg, (800) 237-7328 Nationwide the financial linke Loan Disclosures This LOANLINER• Credit and Security Agreement, which includes the Truth in Lending Disclosures, will be referred to as the Plan. The Plan documents include this agreement and an Addendum. You, your and borrower mean any person who signs the Plan. Credit union, we, our and us mean PSECU or anyone to whom the Credit Union transfers its rights under the Plan. 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. 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. 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 day 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 sharedraft account, you will be responsible for paying all overdraft advances obtained by a joint holder of the sharedraft account. Unless otherwise required by law, payments will be applied to amounts owed under the Plan, in the manner the Credit Union chooses. 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 unauthorized advances directly from the Plan, your liability will not exceed $50. If the unauthorized withdrawal is from a sharedraft 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. 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 --Addendurrr-explains how the variable interest rate works. - SECURITY - You pledge as security for the Plan all shares and dividends and, if any, all deposits and interest in all joint and individual accounts you have with us now and in the future. If a specific dollar amount is pledged for an advance, we will freeze shares in that account to the extent of the outstanding balance for the advance. Otherwise, your pledged shares may be withdrawn unless you are in default. The following paragraph applies in all states except in Ohio, Rhode Island and Massachusetts: We have a statutory lien on the shares and dividends and, if any, the deposits and interest in all individual and joint accounts you have with us and may exercise our rights under the lien to the extent permitted by state law. (We are state chartered if our name does not include the term "Federal Credit Union. For all borrowers: The statutory lien and/or your pledge will allow us to apply the funds in your account(s) to what you owe when you are in default. The statutory lien and your pledge do not apply to any Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given as security. Additional security for the Plan may be required at the time of an advance. If a subaccount identifies a type of property (such as "New Cars") you must give that type of property as security when you get an advance under that subaccount. A subaccount name such as "Other Secured" means you must provide security acceptable to us when you obtain an advance under that subaccount. Property you give as security will secure all amounts owed under the Plan and all other loans you have with us now or in the future, except any loan secured by your principal dwelling. Property securing other loans you have with us may also secure the Plan. CREDIT INSURANCE - Credit life and/or credit disability insurance is optional under the Plan. If you quality for and purchase the insurance from us, you authorize us to add the insurance premiums monthly to your loan balance and charge you interest on the entire balance. If you elect credit insurance, your payments may increase or the period of time necessary to repay your advance may be extended. The credit insurance mates may change during the Plan. If the rates change, we will provide any notices required by applicable law. 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. 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 allot 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). Any joint accountholder may terminate the Plan by giving us prior written notice. If any of you terminate the Plan, the Plan is terminated for all of you. You remain liable individually and jointly for all advances incurred before termination. 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 we do, 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. Our current fees are disclosed on the Addendum and will be added to your loan balance unless you pay them in cash. 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. DEFAULT - The following paragraph applies to borrowers in Idaho, Kansas, Maine and South Carolina: You will be in default if you do not make a payment of the amount required when it is due. You will also be in default if we believe the prospect of payment, performance, or realization on any property given as security is significantly impaired. The following paragraph applies only to borrowers in Wisconsin: You will be in default if you fail to make a payment when due two times during any 12 month period. You will be in default if breaking any promise made under the Plan materially impairs your ability to repay what you owe or materially impairs the condition, value, or protection of or our right in any property you gave as security. The following paragraph applies only to borrowers in Iowa: You will be in default if you are more than 10 days late in making a payment. You will also be in default if you do not comply with the terms of the Plan and your failure to comply materially impairs any property you gave as security or your ability to repay what you owe under the Plan. The following paragraphs applies to borrowers in all other states: You will be in default if you do not make a payment of the amount required when it is due. You will be in default if you break any promise you made under the Plan or if anyone is in default under any security agreement made in connection with an advance under the Plan. You will be in default if you die, file for bankruptcy, become insolvent, if you make any false or misleading statements in any credit application or update of credit information, or if something happens we believe may substantially reduce your ability to repay what you owe. You will be in default if any property you have given us as security is repossessed by someone else, seized under a forfeiture or similar law, or if anything else happens that significantly affects the value of the property or our security interest in it. You will also be in default under the Plan it you are in default under any other loan agreement with us. ACTIONS AFTER DEFAULT - The following paragraph applies to borrowers in Colorado, District of Columbia, Iowa, Kansas, Maine, Massachusetts, Missouri, Nebraska, South Carolina and West Virginia: 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 or, if applicable, at the default rate disclosed on the Addendum. If a demand for immediate payment has been made, your shares and/or deposits can be applied towards what you owe as provided in the section above called "Security" 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 under the Plan, without judicial process, it 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. If the property is a motor vehicle or boat, you agree that we may J CUNA MUTUAL GROUP. t9B0. 82. 84 . 86.89, 98. 99. 2000.01. 07. 03. 04. 05. AIL RIGHT; RESERVED CPSM01 PSEGU FORM #3146 LOANL/NER' Credit and Security Credit Agreement (continued) obtain a key or other device necessary to unlock and operate it, when you are in default. 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 for 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 disposition or the date after which a private disposition 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 the Bankruptcy Code. You must pay any amount that remains unpaid after the sate money has been applied to any unpaid balance under the Plan. You agree to pay interest on that amount at the same rate as the advance, or, if applicable, at the default rate disclosed on the Addendum, until that amount has been paid. The following paragraph 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 property given as security. You may voluntarily give the property to us if you choose, or we may seek to take possession of the property by judicial process. If we repossess the property, you agree to pay reasonable expenses incurred in disposing of the property. 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 Section 422.413 of the Wisconsin Statutes. You must pay any amount that remains unpaid after the sale money has been applied to what you owe under the Plan. You agree to pay interest on any unpaid amount at the same rate as the advance, or, if applicable, at the default rate disclosed on the Addendum, until that amount is paid. If the property is located outside Wisconsin at the time of default, we may take possession of the property without judicial process, if permitted by the state where the property is located. The following paragraph applies only to Louisiana borrowers: When you are in default, we can require immediate payment (acceleration) of the entire unpaid balance under the Plan. You waive any right you have to demand for payment, notice of intent to accelerate and notice of acceleration. If immediate payment is demanded, you 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 and our rights under any security agreements you have with us. CANCELLING OR CHANGING THE PLAN - The following paragraph applies only to borrowers in Illinois: We have the right to change the terms of the Plan from time to time after giving you any advance notice required by law. Any change to the interest rate or other charges will apply to future advances. The following paragraph applies only to borrowers in Wisconsin: We can change the terms of the Plan from time to time in accordance with Section 422.415 of the Wisconsin Statutes. You will be notified of any change in terms. An increase in the daily periodic rate under a variable rate interest rate is not considered a change in terms under the Plan. We can cancel the entire Plan or any part of the Plan at any time. You may cancel the Plan at any time by giving us prior written notice. Your obligation to pay the unpaid balances under the terms of the Plan continues whether you or the credit union cancel the Plan, except to the extent that your liability is limited by Section 422.4155 of the Wisconsin Statutes. The following paragraph applies only to borrowers in Iowa: We can change the terms of the Plan from time to time after giving you any advance notice required by law. A change that increases the rate of finance charge or other charge, that increases the amount of your payments, or that otherwise adversely affects existing balances will apply to existing balances only 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 apolicable law, will also apply to unpaid balances. The following paragraph applies to all but 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 :ime. You may cancel the Plan at any time by giving us prior written notice. Your obligation to pay the unpaid balances under the terms of the Plan continues whether /ou or the Credit Union cancel the Plan. DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN - We can delay anforcing 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 egal representatives. If we change the terms of the Plan, you agree that this Plan fill continue to protect us. '.ONTINUED EFFECTIVENESS - It any part of this Plan is determined by a court o be unenforceable, the rest will remain in effect. 40TICE TO UTAH BORROWERS - This written agreement is a final expression of he agreement between you and the Credit Union. This written agreement may not re contradicted by evidence of any oral agreement. the following is required by Vermont law - NOTICE TO CO-SIGNER - YOUR AGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE :OR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, 'HE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. The following paragraphs 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. THE SECURITY FOR THE PLAN - 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. WHATTHE SECURITY INTEREST COVERS/CROSS COLLATERAL PROVISIONS - 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. OWNERSHIP OF THE PROPERTY - You promise that you own all property you give as security 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. PROPERTY INSURANCE, TAXES AND FEES - You must maintain property insurance on all property that you give as security under the Plan. 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 also promise to pay all taxes and fees (like registration fees) due on the property. If you do not pay the taxes or fees on the property when due or keep it insured, we may pay these obligations, but we are not required to do so. Any money we spend for taxes, fees or insurance will be added to the unpaid balance of the advance and you will pay interest on those amounts at the same rate you agreed to pay on the advance. We may receive payments in connection with the insurance from a company which provides the insurance. We may monitor our loans for the purpose of determining whether you and other borrowers have complied with the insurance requirements of our loan agreements or may engage others to do so. The insurance charge added to an advance may include (1) the insurance companys 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 an advance, we may increase your payments to pay the amount added within the term of theNnsurance or approximate term of the advance. INSURANCE 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 premium for this insurance may be higher because the insurance company may have given us the right to purchase insurance after uninsured collateral is lost or damaged. The insurance will not be liability insurance and will not satisfy any state financial responsibility or no fault laws. 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. You promise to pay all costs, including but not limited to any attorney fees, we incur in protecting our security interest and rights in the property, to the extent permitted by applicable law. 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 (7) Not to retitle property in another state without telling us. 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 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. NOTICE FOR ARIZONA OWNERS OF PROPERTY - It is unlawful for you to fail to return a motor vehicle that is subject to a security interest, within thirty days after you have received notice of default. The notice will be mailed to the address you gave us. It is your responsibility to notify us if your address changes. The maximum penalty for unlawful failure to return a motor vehicle is one year in prison and/or a fine of $150,000 his notice contains important information about your rights and our responsibilities rider the Fair Credit Billing Act. You are advised to read your monthly statement nd review it for any error discrepancies or unauthorized transactions. IOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR :TATEMENT. If you think your statement is wrong, or if you need more information bout a transaction on your statement, write us on a separate sheet at the address sted on your statement. You are required to notify us to writing within 60 days Alowing the date on which we sent your statement wherein the error or problem rst appeared regarding any discrepancy or unauthorized transactions on your mount. Failure to notify us may result in your acceptance of any responsibility for ayment or reimbursement to us for any such error or discrepancy on your account. Vrite to us as soon as possible. You can telephone us, but doing so will not reserve your rights. i your letter, give us the following information: I ' 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. you need more information, describe the item you are not sure about. you have authorized us to pay a credit card account automatically from your share mount or checking account, you can stop the payment on any amount you think is song. To stop the payment your letter must reach us three business days before the utomatic payment is scheduled to occur. OUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR /RITTEN NOTICE - We must acknowledge your letter within 30 days, unless we ave corrected the error by then. Within 90 days, we must either correct the error or xplain why we believe the statement was correct. i this Agreement, the words you and your means each and all of those who apply it the card or who signs this Agreement. Card means the Visa Credit Card and any uplicates and renewals we issue. Account means your Visa Credit Card Line of redit account with us. We, us, and ours means this Credit Union. RESPONSIBILITY - If we issue you a card, you agree to repay all debts and the inance Charge arising from the use of the card and the card account. For example, )u are responsible for charges made by yourself, your spouse and minor children. :)u are also responsible for charges made by anyone else to whom you give the 3rd, and this responsibility continues until the card is recovered. You cannot disclaim :sponsibility by notifying us, but we will dose the account for new transactions if you request and return all cards. Your obligation to pay the account balance continues zen though an agreement, divorce decree or other court judgment to which we are X a party may direct you or one of the other persons responsible to pay the account. he cards remain our property and you must recover and surrender to us all cards port our request and upon termination of this Agreement. LOST CARD NOTIFICATION - If you believe the card has been lost or stolen, )u will immediately call the Credit Union at (717) 234-8484 or (800) 237-7328. After curs call (800) 556-5678. LIABILITY FOR UNAUTHORIZED USE - You agree to notify us immediately, orally - in writing of the loss, theft or unauthorized use of your Credit Card. You may be liable r the unauthorized use of your Credit Cana. You will not be liable for unauthorized use at occurs after you notify us of the loss, theft, or possible unauthorized use. You will have liability for unauthorized purchases made with your Credit Card, unless you are grossly 3gfigent in the handling of your Card. In any case, your liability will not exceed $50. CREDIT LINE -- If we approve your application, we will establish a self- +plenishing Line of Credit for you and notify you of its amount when we issue the ird. You agree not to let the account balance exceed this approved Credit Line. Each ayment you make on the account will restore your Credit Line by the amount of the_ tyment which is applied to the principal. You may request an increase in your Credit ne only by written application to us, which must be approved by our credit committee loan officer. By giving you written notice we may reduce your Credit Line from time time, or with good cause, revoke your card and terminate this Agreement. Good Luse includes your failure to comply with this Agreement or any other agreement with or our adverse reevaluation of your creditworthiness. You may also terminate this 3reement at any time, but termination by either of us does not affect your obligation pay the account balance. CREDIT INFORMATION - You authorize us to investigate your credit standing -wen opening, renewing or reviewing your account, and you authorize us to disclose formation regarding your account to credit bureaus and other creditors who inquire us about your credit standing. MONTHLY PAYMENT - We will mail you a statement every month showing your evious Balances of purchases and cash advances, the current transactions on your xount, the remaining credit available under your Credit Line, the New Balances of irchases and cash advances, the Total New Balance, the Finance Charge due to date, id any other billed fees, and the Minimum Payment required. Every month you must pay least the Minimum Payment within 25 days of your statement closing date. By separate Ireement you may authorize us to charge the minimum payment automatically to your are or checking account with us. You may, of course, pay more frequently, pay more an the Minimum Payment, or pay the Total New Balance in full, and you will reduce the ance charge by doing so. If your monthly payment exceeds the total credit line balance ,red, we will automatically post the credit to your S 1 shares. ie minimum payment will be (a) 2% of your Total New Balance, rounded up to the xi even dollar, or (b) $20.00, whichever is greater. In addition, at any time your Total m Balance exceeds your Credit Line, you must immediately pay the excess upon our 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 against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your statement that are not in question. If we find that we made a mistake on your statement, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your statement. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your statement was correct. SPECIAL RULE FOR CREDIT CARD PURCHASES - If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations on this right: (a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or-services. - - - - 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 the 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 and corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum. Cash Advances: We calculate your finance charge on cash advances by multiplying the average adjusted daily balance (see explanation below) for cash advances during the billing cycle by the monthly periodic advance rate and corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum. Balance Computation Method Average Daily Balance for Curchases - 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 (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 Jo- your account that day. After applying payments and credits, we subtract the amount of any unpaid Finance Charges or Late Charges. Then we also subtract the amount of any Cash Advance transactions that posted to your account on that day or in any previous day in the billing cycle. This gives us the Daily Balance for purchases. Average Daily Balance for Cash Advances - Cash Advance Transactions which are posted to your account are not included in the 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 Monthly Periodic Rate. 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 number of days in the billing cycle. To calculate the 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 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. ?ise Credit Card Agreement and Truth In Lending Disclosure (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 shown on that statement, we will not apply the Monthly Periodic Rate to your Account on your next statement. 8. DEFAULT - You will be in default if you fail to make any Minimum Payment within 25 days after your monthly statement closing date. You authorize us to transfer funds sufficient to make the minimum payment due if your Visa loan is in default. You agree that we may temporarily suspend your ATM card access if your Visa payment is due for a period exceeding 30 days. You will also be in default if your ability to repay us is materially reduced by a change in your employment, an increase in your obligations, bankruptcy or insolvency proceedings involving you, your death or your failure to abide by this Agreement, or if the value of our security interest materially Jeclines. We have the right to demand immediate payment of your full account 3alance if you default, subject to our giving you any notice required by law. To the went permitted by law, you will also be required to pay our collection expenses, ncluding court costs and reasonable attorney fees. 1. USING THE CARD - To make a purchase or cash advance, there are two ?Hemative procedures to be followed. One is for you to present the card to a tarticipating Visa plan merchant, or another financial institution, and sign the sales rr cash advance draft which will be imprinted with your card. The other is to complete he 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 rrovides access to the Visa system. You agree that you will not use your card for any ansaction that is illegal under applicable federal, state, or local law. The monthly tatement will identify the merchant, electronic terminal or financial institution at rhich transactions were made, but sale, cash advance, credit or other slips cannot e returned with the statement. You will retain a copy of such slips furnished at the me of the transaction in order to verify the monthly statement. The Credit Union may take a reasonable charge for photocopies of slips you may request. D. OVERDRAFT OPTION - If you elect to overdraft to your PSECU Visa Credit ard, that election is subject to the existing credit limit and the agreement it represents nd the current loan policy at the time of the overdraft. You also understand that an mrdraft will be considered the same as a cash advance on your PSECU Visa Credit aid and that the current Annual Percentage Rate for cash advances will apply. 1. RETURNS AND ADJUSTMENTS - Merchants and others who honor the card ray give credit for returns and adjustments, and they will do so by sending us a 'edit slip which we will post to your Visa line of credit. If your credit and payments (ceed what you owe us, we will automatically post the excess credit balance to )ur St Shares within 75 days. If the balance is one dollar or more, upon your ritten request, we will refund the credit balance to you. L FOREIGN TRANSACTIONS - The exchange rate between the transaction urency and the billing currency used for processing international transactions is a rate elected by Visa from the range of rates available in wholesale currency markets for the tplicable central processing date, which rate may vary from the rate Visa itself ceives, or a government-mandated rate in effect for the applicable central processing de_ In each instance, an adjustment may be assessed based on the ISA fee imposed Visa. This fee, which totals 1% of the transaction amount, will be assessed on all inactions where the merchant country differs from the country of the card issuer. c. SPECIAL RULES FOR VISA PURCHASES - If you disagree or find an error th a Visa transaction, and have tried in good faith to correct the problem with the M CARD CARDHOLDER AGREEMENT - The Undersigned (you or your), in isideration of THE PENNSYLVANIA STATE EMPLOYEES CREDIT UNION (we, our i us) issuing to you an ATM CARD, hereby agree to be legally bound by the following rns and conditions. You agree that the use of your ATM card(s) constitutes acceptance he terms and conditions of this Agreement. You understand that ATM is a credit-related vice and you authorize PSECU to obtain a credit report on any users of this account ACCOUNTS AND USES OF ATM CARD - You have the account(s) (including ecking and Regular Shares), which we set forth on your application form with this ,eement. You hereby request that we issue to you one or more ATM CARD(S) to used in connection with such accounts as described in this Agreement. r understand you may use the ATM CARD at a STAR SYSTE:MS@ ATM to (1) [draw cash from, (2) make or arrange for deposits in, (3) effect transfers to or from r account, (4) receive information regarding the balance in your account(s) or (5) ke cash advances from your credit account(s) in the amounts you request. You may t use automated teller machines throughout the United States and in certain sign countries which bear the PLUS SYSTEMO name and logo (1) to make rdrawais from, (2) effect transfers to or from, (3) receive information regarding the inces in your Checking or Regular shares- It you have a Personal Service Loan roved and in place, you may also make a cash advance from your PSL. You further erstand you may use the ATM CARD to purchase goods and services irchase") at any retail establishment ("Merchant") where ATM CARDs are 3pted by such Merchant. If you use the ATM CARD to make a Purchase to obtain i, if permitted by the Merchant, you shall be requesting us to withdraw funds in the >unt of such Purchase (including any cash received from the Me chant) from your eking Shares and directing or ordering us to pay such funds to the Merchant. request that we will provide to you such other services or access to other ATM ems or networks using the ATM CARD which we may later make available and h we advise you are offered in connection with your account(s) set forth on your ication form. You also understand that from time to time you may request in ig that we provide access to additional accounts of yours through the ATM ID we have issued to you. You agree that the uses of the ATM CARD described merchant or the charges are the result of unauthorized or fraudulent use, or your purchase cost more than $50 and was made from a plan merchant in your state within 100 miles of your home, contact PSECU. 14. DISPUTED TRANSACTIONS - You are required to notify PSECU in writing within 60 days following the date on which we sent your statement wherein the error or problem first appeared regarding any discrepancy or unauthorized transaction on your account. Telephoning PSECU does not preserve your dispute rights. You may be required to provide us with documentation to support your dispute claims. In addition, you may be required to complete a standard dispute form outlining the details of your dispute. In cases of fraudulent card use, PSECU will also require a notarized affidavit. In some cases we may ask you to notify the local authorities. If we do not receive the proper requested documentation in the time specified you may be held responsible for the transaction(s) in question. PSECU must adhere to strict dispute timeframes set forth by Visa. 15. 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. 16. 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. 17. LATE PAYMENT CHARGE - If your Minimum Payment is not received by the first day of the month following your due dale, you will be subject to a $20 charge. 16. RUSH FEES - You may incur additional charges for rush processing and rush delivery of cards and/or PIN mailer. 19. OVER LIMIT FEE -A $20 fee will be applied for each monthly statement dosing date on which the outstanding balance exceeds the assigned credit limit by more than $100. 20. DRAFT COPIES - You may incur an additional charge for transaction summary/sale draft documentation. 21. COPY RECEIVED - You acknowledge receipt of a copy of this Agreement. 22. ILLEGAL TRANSACTIONS PROHIBITED - You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. 23. NO USE - Inactive Visa accounts that have no purchase or cash activity may be closed without notice to you after 18 months of no activity. 24. NEURAL NETWORK - PSECU uses neural network systems to predict and prevent unauthorized transactions. There may be occasions when a transaction is declined because it is indicative of possible fraudulent activity. in this Agreement shall be subject to the rules and regulations of each account which is accessed by such Card. 2. USE OF PERSONAL IDENTIFICATION NUMBER ("PIN") WITH ATM CARD You understand that a STAR SYSTEMS or a PLUS SYSTEM ATM is an automated teller. It can and will perform many of the same tasks as a human teller. You acknowledge that the Personal Identification Number or PIN which you use with the ATM CARD is your signature, identifies the bearer of the Card to the STAR SYSTEMS ATM, PLUS SYSTEM ATM, or other network ATM and authenticates and validates the directions given just as your actual signature and other proof identity you and authenticate and validate your directions to a human teller. You also understand that a Merchant which accepts the ATM CARD for a Purchase transaction may have an electronic terminal (Merchant operated or Self-Service) which requires the use of your PIN and when your PIN is used at a Merchant's terminal, it will authenticate and validate the directions given just as your actual signature will authenticate and validate your directions given to us. You acknowledge that your PIN is an identification code that is personal and confidential and that the use of the PIN with the ATM CARD is a security 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 ATM CARD(s) issued to you or PIN has been lost or stolen or money is missing from your account(s). You also agree that if your monthly statement 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 IF YOU GIVE YOUR ATM CARD(S) and PIN TO 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 ATM 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 ATM CARD. Do not keep a written record of your PIN near your ATM CARD Do not choose a PIN that is easily identifiable. Fled=lc Funds Tram ATM Agreement and Regulation "E" &$dosure (continued,) A new card rT-1 a y be ordered for you at that time and a 'hold` will be placed on yc old card. Afte r Such time, if you find your old card, destroy the old card by cuttinc in half. If you a tterro to use your old card, it will not work. 4. CHARGES - lbu agree to pay a 50 cent charge for each depositor withdraw exceeding 1 5 a month You agree to pay the 50 cent penalty charge on any ca., disbursement transtidiOn (loan advance or share withdrawal) that is less than $2 You agree to pay a 25 cent charge on each balance inquiry. You may incur a charc for any adjustment that needs to be made to your account resulting from an ern you made wh i I e making a deposit at an Automated Teller machine (ATM). You agre to pay the ch a rges or transaction fees which are charged by us for these service or for services which may later be offered as such fees or charges maybe impose or changed f ro rn time to time. 5. DEPOSITS - You agree that when you make a deposit at a STAR SYSTEM; ATM that we h ave the right to verity the deposit before we make the money availabl to you. If you deliver cash, checks or other items to a STAR SYSTEMS ATM, yoi understand a n d acknowledge that the funds from your deposit may not be available for immediate Withdrawal and that the availability of your deposit shall depend on ou rules and regulations regarding the particular account in which you are making deposit, the items that you are depositing and whether the deposit is made at c STAR SYSTE MS ATM that is owned by us or another financial institution. You alsc understand and acknowledge that not all STAR SYSTEMS ATMS may accept deposits and some STAR SYSTEMS ATMS may limit the amount of funds which may be deposited and that we may not control these limits. : LABILITY -- If the. ATM CARD is issued for a joint account, you agree to be to ,,l. "and severatfy 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 ATM CARD services or to amend or change the charges for time services- We may do so by notifying you in writing of such amendments or changes and your use of the ATM CARD after the effective date of any such amendment or change shall constitute your acceptance: of and agreement to such amendment or change- 8. OWNERSHIP - You agree that the ATM CARD is our property and you will surrender it to us upon our request. You agree that the ATM CARD is non- transferable. 9. DISCLOSURES -You hereby acknowledge receipt of the disclosure statement infonrttng you of your rights under the Electronic Funds Transfer Act and a copy of this Agreement.. REGULATION "E" DISCLOSURE 1. ELECTRONIC CHECK CONVERSION(ELECTRONIC RETURNED CHECK FEES - If you pay for something with a check or share draft, you may authorize it to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization. 2. SUMMARY OF CONSUMER LIABILITY - • ATM, ACH and SST - Tell us at once if you believe your card has been lost or stolen. Telephoning is the best way to keep your possible losses down. You could lose all the 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 lose no more than $50 if someone used your card without your permission. If you do not tell us within two business days after you learn of 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 g not get back any money you lost after the 60 days if we can prove that we could E 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. 3. TELEPHONE NUMBER AND ADDRESS TO NOTIFf OF UNAUTHORIZED TRANSFERS - ATM - Contact PSECU at (800) 237-7328 EXT 3808 (nationwide) or (717) 234-8484 (in Harrisburg). After hours, follow the menu options on PSECU's voice mail system to report a lost or stolen card. For Visa Credit or Debit Cards, follow the directions for Lost Card Notification under the Visa Credit Card Agreement and Truth-in-Lending Disclosures section of this document. ACH and SST - Contact PSECU at (800) 237-7328 (nationwide) or (717) 234-8484 tin Harrisburg). Or write to us at: Pennsylvania State Employees Credit Union P O. Box 67013 Harrisburg, PA 17106-7013 PSECU Business Hours: al 8:00 a.m. - 5:00 p.m. M - F h TDD (800) 472-1967 Nationwide )• (717) 777-2100 in Harrisburg e 4. FINANCIAL INSTITUTION'S BUSINESS DAYS - W ATM, ACH and SST - PSECU's Business Days are Monday through Fric s Holidays not included. s t S. TYPES OF ELECTRONIC TRANSFERS A CONSUMER MAY MAKE - • ATM - Balance inquiries on checking, savings and PSL; withdrawals Is checking/savings; cash advance from PSL; deposits to chedking/savinl purchase goods and services at any accepting retail establishment. i • ACH - Preauthorized debits and credits to checking and savings. • SST - Balance inquiries and transaction histories on all share, certificate a, loan accounts; transfers from any share to another share or ban account fro: your PSL to any share or loan account; withdrawals from any share exce IRA shares or certificates. 6. ANY CHARGES FOR ELECTRONIC FUNDS TRANSFERS OR FOR TH RIGHT TO MAKE TRANSFERS - • ATM - Fifty cents for each disbursement (cash advance or withdrawal) le; than $20; fifty cents for each transaction over 15 per month; 25 cent for eac balance inquiry; and there may, be an additional charge for any adjustmet that needs to be made to the account of any member who rrtaWe_s an erri while depositing at an Automated Teller machine (ATM). • ACH - $30 service charge for insufficient funds for each electronic transfer. • SST - none 7. SUMMARY OF CONSUMER'S RIGHT TO RECEIVE DOCUMENTATION 01 EFTS - • ATM - You are entitled to receive a printed receipt at the time of eacf transaction. You will receive a monthly statement showing the status of you account, any transactions made during the month, and any penalties o. charges PSECU may impose during the month. • ACH and SST - You will receive a monthly statement showing the status of your account, any transactions made during the month, and any penalties or charges PSECU may impose during the month. • If you have arranged to have a direct deposit made to your account at least once every 60 days from the same person or company, you can call us at (800) 237-7328 to find out whether or not the deposit has been made. 8. STOP PAYMENT RIGHTS - PRE-AUTHORIZED TRANSFERS - • ATM and SST - Not applicable. • ACH - Right to Stop Payment and Procedures for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of 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, PO 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 Preauthonzed 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 TOP CERTAIN TRANSFERS - • ATM - 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 STAR Systems, PLUS system has insufficient cash to complete the transaction; (6) your card has been reported lost or stolen and you are using the reported card; (7) PSECU has reason to believe that the transaction requested is unauthorized; (8) the failure is due to an equipment breakdown that you know about when you started the transaction at the STAR Systems, PLUS System; (9) the failure was caused by an act of God, fire, or other catastrophe, or by any other cause beyond control, (10) if you attempt to complete a transaction that, a? t a STAR Systems. PLUS System, or merchant terminal that is not a Electronic Funds Transfer. ATM Agreement and Regulation "E" Disclosure (continued) permissible transaction listed above; or, (11) the transaction would exceed the security limitations on the use of your ATM CARD. • ACH and SST - If PSECU fails to complete a transaction on time or in the correct amount, when 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 only for actual proven and not consequential damages if the failure to make the transaction resulted from a bona fide error despite PSECU's procedures to avoid such errors. 10. DISCLOSURE TO THIRD PARTIES - • ATM, ACH and SST - PSECU will disclose information about your account to third parties: (1) when it is necessary to complete transactions; (2) to 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 Ad of 1978; Regulation P, Privacy of Consumer Financial Information; and (7) when it is necessary to take legal action to recover shares. 11. STAR SYSTEMS SERVICES - • ATM Only -You may use your ATM CARD with your Personal Identification Number (PIN) at STAR SYSTEMs located in Delaware, Maryland, New Jersey and Pennsylvania to conduct any of the following transactions for the accounts accessed by your ATM CARD. a) Determine the account balance(s) of your Checking your Regular Shares, and your Personal Service Loan (PSL)- b) Withdraw cash from your Checking and your Regular Shares. c) Make a cash advance from your Personal Service Loan (PSL). d) Deposit currency, checks, or drafts (coins are not acceptable) for transmission to PSECU for deposit in your Checking and your Regular Shares. NOTE: There are limited locations in Maryland where deposits may be made. We wish to inform you that some ATMs located in these areas may only provide access to your Checking, your Regular Shares, and your Personal Service Loan. Not. all ATMs may accept deposits. There may also be limits on the amount of fun which you may deposit in certain ATMs. 17- PLUS SYSTEM' SERVICES - • ATM Only - You may use your ATM CARD with your Personal Identification Number (PIN) at any PLUS SYSTEM automated teller machine (PLUS SYSTEM ATM) located throughout the United States, Puerto Rico, Canada, Great Britain and Japan to conduct any of the following transactions on the accounts accessed by your ATM CARD. a) Determine the account balance(s) of your Checking, your Regular Shares, and your Personal Service Loan (PSL). b) Withdraw cash from your Checking and your Regular Shares. c) Make a cash advance from your Personal Service Loan (PSL). NOTE: Deposits are not available through PLUS SYSTEM ATMs. These are the STAR SYSTEMs services currently available through the PLUS SYSTEM network. Other services may be offered in the future. 13. OTHER ATM NETWORK ACCESS - • ATM Only - From time to time, PSECU may make arrangements with other ATM networks to grant access to ATM CARDS. PSECU shall inform you when such arrangements are made and describe the services that are available to you. Any charges will also be described. 14. PURCHASE TRANSACTIONS - • ATM Only - You may use the ATM CARD to purchase goods and services ('Purchase") at any retail establishment ("Merchant") where ATM CARDs are accepted by such Merchant. The amount of all such Purchases will be deducted from your Checking. When you make a Purchase using the ATM CARD, you will be requesting PSECU to withdraw funds from your Checking in the amount of the Purchase and directing PSECU to pay these funds to such Merchant. 15. LIMITATIONS ON THE USE OF YOUR ATM CARD - • ATM Only - You may withdraw up to $500 per day from one or a combination of your accounts by using a ATM CARD provided the funds are available at a STAR SYSTEMs or PLUS SYSTEM ATM. In addition, you may 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 ATM CARD. However,. these limitations are not revealed for security reasons. The Pennsylvania State Employees Credit Union is not obliged to maintain such limitations. You will be denied use of your ATM CARD if you exceed the daily withdrawal/purchase limit, if you do not have adequate funds available in your account, do not enter the correct Personal Identification Number (PIN), or exceed the frequency of usage limitation. The receipt provided by the STAR SYSTEMs or PLUS 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 ATM CARD. The number of attempts that result in machine retention is not revealed for security purposes. 16. ERROR RESOLUTION PROCEDURES - • ATM, ACH and SST - In case of errors or questions about your transactions: Direct inquiries to PSECU at (800) 237-7328 Nationwide, TOD (800) 472- 1967 Nationwide, (717) 777-2100 in Harrisburg, or write PSECU at: Pennsylvania State Employees Credit Union, P.O. Box 67013, Harrisburg, PA 17106-7013, as soon as you can if you think your statement or receipt is wrong, or if you need more information about a transaction listed on the statement or receipt. PSECU must hear from you no later than 60 days after it sent you the first statement on which the problem or error appeared. You must provide the following information: (a) Your name, account number, and ATM CARD number (if a ATM transaction), or reference number (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 information, and; (c) The dollar amount of the suspected error. If you tell PSECU orally, you must send your complaint or question in writing within 10 business days. PSECU will tell you the results of the investigation within 10 business days for STAR SYSTEMS, PLUS SYSTEM; SELF-SERVICE TELEPHONE, or DIRECT DEBIT/CREDIT TRANSACTIONS, or 20 days for STAR SYSTEMS purchase transactions. If we need more time, however, we may take up to 45 days for STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE TELEPHONE, or DIRECT DEBIT/CREDIT TRANSACTIONS or 90 days for STAR SYSTEMS purchase transactions. If PSECU decides to do this, it will recredit your account within 10 business days for the amount you think is in error if it is a STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE TELEPHONE, or DIRECT DEBIT/CREDIT transaction, or 20 business days if it is a STAR SYSTEMS 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. 17. ATM SURCHARGE - If you use an ATM that is not operated by us, you may be charged a fee by the ATM operator and by any national, regional or local network used in processing the 'thinsaction (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). The ATM surcharge will be debited from your account if you elect to complete the transaction. Notice To Consumers Using ATM's • Be alert to your surroundings. If you doubt the safety of a particular location, choose another ATM. • 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. 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O_ O T D m O m O 1 ?. ?: Q m m £ .v S O a-- S Q 0 0 s o T O ?• m S O m n m m p ?c- O m '^ O m ° D " . = j m p 0 Q- m m ' " p T O O n m O O M / N m m p = 2 N W(''? tD m Q m J O C,? ? p m D A ?. a = o n n m -D - Q D C 0 0 N ( 0 Q 0 T o m Q= n s o a o ?° m x v o 0 3 m-< 3 o ?. ' ? o Q m? O 3- f r p n r, m= c Q_ 0 Q O< J o £ c " m m 0 m O 0 O Q n n Q O - 3 7 S - c n S p ° 2 0 n Q , O m O: m o= m m C S- O - F n m Q O O l c n _ o S 3 w v, E w O s 2 cD - r? c 1 m n C m o o = 3 O N .W .ZvJ _a 7 l m C 0 ?' m p 3 Q m cD N T "' 7C (D O n C m m O O pl -o 3 O Q c Q O m 0 m ° fl_ J Q_ Q c 0 E O m S C, J N C - Q O c m e c 1 cD f0 n x m o 3 `-' a m m 3 0 m o m f° Q £ n o ° w 3 s q, 6 _-o c m :3 m W 0 ° c a o c n a m 0 - D 3 c f 3 n a o Q ? n 3 a ° 0 0 m 3 ' ° (D Q. m ° 3 0 0 < n a 3 o m o n a ° o 3 a D O_ Q :I_ 6 2 O ( O Q Q 3 cn ^ 3: - m' O cQ J x. d O O CC n .n S O 0 Q? 0 O 3 m m < n O n m= o n Q c c r . O° m 3 0< w n a < Q m>> w 0 a O n ? Q f 3. Q m 0 m c c m' n m 3 0 '- < '0 ID O 3 N O (O £ O O 2 m v+ £ a n O p 3 p 0 Q- Q n0 Q O Q o rn ? 1 . 0 r- n<-z C--oQa= 0 m U O W ?O O O n m n O N S n S O O ( n m 0 3 m c 0 c v 0 n n D m O m 0 N .- -? F o m Q m - o - ' c Q m m D ° m o- m C) 0 3 0 0 m o< C a ?° ? m O Q < J O < m c O r O O 3 _ ^ ? 0 _ f n O EXHIBIT "B" Civil Action-Law No. 10-6919 Pennsylvania State Employees Credit Union. Plantiff V. Ronald E. Stine Defendant T WsAjoe_ C Q -Q3 0 --? zrn r- r-x y Z 5?r1 Ca :v Due to the poor economy I have not been able to pay the full amount of the monthly payments. I would like to pay the full amount due by setting up a payment schedule that is affordable. Thank you Ronald . Stine 12/7/2010 ? PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in triplicate) MCU C- 770 _r TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within m atter fov! a next Argument Court.) ?- ----------- CAPTION OF CASE ------- =-. ' (entire caption must be stated in full) c PENNSYLVANIA STATE EMPLOYEES CREDIT UNION -- vs. RONALD E. STINE No. 2010-6919 CIVIL Term 1. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurrer to complaint, etc.): PLAINTIFF'S MOTION FOR JUDGMENT ON THE PLEADINGS 2. Identify all counsel who will argue cases: (a) for plaintiffs: SHAWN M. LONG, ESQ. (Name and Address) 126 EAST KING STEET, LANCASTER, PA 17602 (b) for defendants: RONALD E. STINE (Name and Address) 197 SKYLINE DRIVE, MECHANICSBURG, PA 17050 3. 1 will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: Signature .S ? a L Print your name Date: 4 l6l /' PLAINTIFF Attorney for INSTRUCTIONS: 1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 12 days prior to argument. 3. The responding party shall file their brief 5 days prior to argument. 4. If argument is continued new briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) after the case is relisted. s AFFIDAVIT OF SERVICE The undersigned KELLY CUNNEEN, PARALEGAL doth depose and say that a true and BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 FILED-OFFICE OF THE PROTHONOTARY 2011 JUN 24 AM 11: 27 Attor CO. " Pennsy'?v' 4 It ees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. RONALD E. STINE, Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 2010-6919 correct copy of the Praecipe for Listing Case for Argument in the above captioned matter was sent to the below listed Defendant by certified, return receipt requested and regular, first class mail. The original Receipt are attached hereto: Ronald E. Stine 197 Skyline Drive Mechanicsburg, Pennsylvania 17050-1755 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. Date: June 23, 2011 BARLEY SNYDER LLC By: i W, tq C Kelly Cunn , Paralegal 126 East King Street Lancaster, PA 17602 (717) 399-1528 32552511 T U) 2 3 w 00 D a N O i O v 'O N Z V CT1 W O O N O O O (D O O • Cornplft Items 1, 2, and 3. Also compere R PrInt your narns and address on the reverse so that we can return the card to you. ? Laroz-.0: ?ier? W• S?-a?Fle 45 S? R?" S?reefa X 3E)ViOd S 709LL u!4E!F Lloz?s? nq .t 0 PLO(; CC17PQMI T -4 -4 wa C. Date we- v' J II D. d*mnf afteee dMetent trorh Item 11 Yes M YES, enter delhrerY address below: ? No Le type y? PA )-? a 3. SsMoe 0 I o Bq? Me 2. Ardde Number (1?ar"fer dwn *WV" kbo PS Form 3811, February 2004 ?'nsurOd M89 13 C.O.D. t?ecelpt for m dkw dbe a. ? O Yes 7009 1680 0000 4183 9390 braes. & PENNSYLVANIA STATE IN THE COURT OF COMMON PLEAS OF EMPLOYEES CREDIT UNION, : CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff : V. CIVIL ACTION - LAW RONALD E. STINE, Defendant NO. 10-6919 CIVIL TERM IN RE: PLAINTIFF'S MOTION FOR JUDGMENT ON THE PLEADINGS BEFORE OLER and GUIDO, JJ. ORDER OF COURT AND NOW, this 19'h day of July, 2011, upon consideration of Plaintiff's Motion for Judgment on the Pleadings, and following oral argument held on July 15, 2011, Plaintiff's motion is granted, and judgment is entered in favor of Plaintiff, Pennsylvania State Employees Credit Union and against Defendant, Ronald E. Stine, in the amount of $14,014.16, plus costs of suit. Shawn M. Long, Esq. 126 East King Street Lancaster, PA 17602 Attorney for Plaintiff A 0,A- Gt 0 es 1? ` o l ? Ronald E. Stine Dirb 197 Skyline Drive Mechanicsburg, PA 17050-1755 Defendant, pro Se C Cn aTf rA c rri- z r-- .?A N 0? < ° lia Mb rc BY THE COURT,