HomeMy WebLinkAbout10-7072=r
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1'
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 L'nion
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
ERIC W. COY,
V.
Defendant
COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION - LAW
No. I a ?-
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
or for any other claim or relief requested by Plaintiff(s). You may lose money or property or
other rights important to you.
30135031
vqD
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DID 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
30135031
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.
ERIC W. COY,
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 accion en el pl Iazo de veinte (20) digs
despues de esta queja y el aviso es servido, incorporando un aspecto escrito personalmente o .p or
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
cualquier dinero demandado en la queja o para cualquier otra demanda b relevacion pedida por
Plaintiff(s). Usted puede perder el dinero o la caracteristica a otra ender Reza importante a usted.
30135031
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 NINGON HONORARIO.
Cumberland County Bar Association
32 S. Bedford Street
Carlisle, PA 17013
(717) 249-3166
800-990-9108
30135031
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.
ERIC W. COY,
Defendant
COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION LAW
V
No.
COMPLAINT
1. 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, Eric W. Coy, is an adult individual with a last known address of 102
Easterly Drive, Mechanicsburg, PA 17050.
3. On or about July 19, 2006, Defendant applied for a Personal Service and Visa.
Loan with PSECU and on July 21, 2006 executed a Personal Service Loan and Visa Activation
I
30135031
Notice. A true and correct copy of the Personal Service Loan and Visa ;Activation Notice is
attached hereto as Exhibit "A" and incorporated by reference.
4. PSECU approved Defendant's application 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.
5. Defendant received a disbursement on Account I subject to the terms and
conditions of PSECU's Loanliner Credit and Security Agreement and Loanliner Addendum
("Agreement"). A true and correct copy of the Agreement is attached hereto as Exhibit "B" and
incorporated by reference.
6. Defendant is in default under Account I and Account 11 for failure to make
payments when due.
7. Several notices of default were sent to the Defendant: On October 2, 2008,
November 28, 2008, February 2, 2009, March 30, 2009 and April 23, 20,09. True and correct
copies of the notices are attached hereto as Exhibit "C" and incorporated herein.
8. The balance due and owing to PSECU from the Defendant on Account I is
$4,456.75, plus attorneys' fees/collection costs of twenty percent (20%) or $890.35, which totals
$5,342.10 plus costs.
9. Pursuant to the Agreement, in the event of default, PSECU is entitled to be
reimbursed for all costs and expenses, including reasonable attorneys' fees incurred in bringing
any action to enforce the Agreement.
10. For purposes of this action, PSECU believes, and therefore avers, that $2;000,.00
constitutes reasonable attorneys' fees for collection on Account II and enforcing the Agreement.
30135031
2
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 adjustjts demand for attorneys'
l
fees, if applicable at the time payment on any judgment is made.
11. The balance due and owing to PSECU from the Defendant on Account II is
$17,149.66 plus reasonable attorneys' fees/collection costs of $2,000.00, which totals $19,149.66
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.
WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union demands judgment
in its favor and against Defendant, Eric W. Coy, in the amount of $24,491.76, and costs of suit.
BARLEY SNYDER LLC
Date: 1 2 By:
"'Shawn-'O. Long, Esq/uire
Court I.D. No. 83774
Attorneys for PlaintiPennsylvania State,E Credit
Union
126 East King Street
Lancaster, PA 17602
(717) 299-5201
3013503 1
3
VERIFICATION
Pennsylvania State Employees Credit Union
V.
Eric W. Coy
1, 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.Q. §4904, relating to
unsworn falsification to authorities.
Dated:_
Gregor l-. b iffenderfer
Complaint_PSECU Coy (visa)
EXHIBIT A
2006 nn
PERSONAL SERVICE LOAN AND Visa@ ACTIVATION NOTICE
Loam Information July 20, 2006 Ref #: '552252 598
Approval Amount: $20,000.00 Account # : 0197669613
Applicant: ERIC W COY Home Telephone #.: (717) 612-9649 Work Telephone #: (717) 772-5068
I acknowledge receipt of the PSECU LOANUVERR Disclosure and Credit Agreement and agree to be
bound by the terms set forth in said agreement.
Signature of ERIC W C Date
Personal Service Loan Options
• I would like an immediate Personal Service Loan advance of $ . Purpose:
Send a ? Check or ? Deposit to my Share 4
• Select your Personal Service Loan repayment option.
? Automatic Transfer from PSECU account ? Homebanking ? Payroll deduction
? Direct Payment ftom another financial institution ? Self Service Telephone
is For overdraft options, complete the enclosed Overdraft Transfer Service sheet and return it with your Activation Notice.
Visa® Options
• I would like an immediate Visas advance of $ Pi ose:C
?CL_ up Q6, lg"gl) l ?c . IM4? Gj
Send a ? Check,, or Deposit to my Share 4 00S
• Select your Visas loan repayment option.
? Transfer on Pay Day (select one): ? Minimum amount Cl Alternate payment amount of $
Transfer automatically from PSECU account on the 25th of each month (select one):
Minimum amount ? Alternate payment amount of $ 0 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:
n 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 cardholders may not order replacement cards or obtain Visa® account information (i.e. detailed transactions, balance
information, payment activity). ERIC W COY must sign below.
Name of Authorized Card Holder Signature of ERIC W COY
s 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. We cannot produce a card
without a PIN. You will need this PIN to make cash advances on your Visa line of credit. Please do not use the letters Q or 2 as part of your PIN, and do not use
the following combinations of numbers: 0000 through 0009 or 9999.
C
ANNED
Exhibit B
Penns IVanla State EmloYees
- Creit (lnian
, --- -
PSECI*
Loam Disclosures
the Pilrl+.,_ i _
You your .. . bud rosier
Credit union we our us
HON HIS PLAN WORKS T ? - _
1 run -.C 1r: ! r r 1 ca ..e:'
e F' We are not required to make advances to you under the Plan and ca
,
refuse a request for an advance at any time "'e A J .ii;i;m Le,, •t
i `ferent I es of credit ica !or hub-+^fr tt ,1' 1 1)e wide, FI c
r; e..esl r,le '.pr ea n 5'JJt Ci'..:" t.x?fE SS;'!1 as a + I -_. , 1.. !F
C C.-p',anG ? , a,nual pc cen:,a lie iJ .._f fha s' ..!'
_r'tts ar'>-_ a ye ?du G I r 1't r rrn ,h e t, of .
CREDIT LIMIT - is of e J. F C : h
J,,j it
.„baccoGr';s. If a cre,?7I,! i ..
., `_ & p u vie r:M?_
st,tbl:5he., inntl 1o., _ ;need the ti'er' in il, a !or
_,1tC481c.}' the 3m.unl •thiCli ctCEarls .•:?•r1i Fnt;.t .
REPAYMENT - Y-C'rC'rrY..+t Q t:iaj u'1 i .•..Ol 0,,e llr:..1e {' :r p',;
I interest. Piv,•nerts ire di on the last d IV of f to rT u t+ t ,,in!es + e ;el ,i 1c.rerf ca
the hits- c' -in a T.. ,. . the uiinran i!a_' r,<; r: f.
subaccount. yoc,r naymeni ...,: be dt..:n.arto at ,hu 1+. ., eu.:ti :adv,ar
Payments ust include any ,arrour.I pas, due and my amount c-.: r ?h `,Q L) h ,,:,j
exceeded 7rn credit alit you have been `liven. let a-_Lbacct,.n' ',-i; .Iay rf'p t. ,;.
or pare of h I you Ose 31 an4 ir- t rM t u uy pr -erylrr r p :[.It Ever. it
prepay, yc,u tiv!i! stilf to require In iak rite eguf .sly scht J ,It J a nl- ms ur r
% ye in ,,riting to a change in the. p Jyntent caedu e I you r avt t a I
,haredrah account, you will be respt .slG.d for pay ng all o era 1 adva 1.e,
obtained uy a 1o nt holder o` t c ,;.[in;rt ;fl acc:ol F;;. Unless r,f erms eq,;irer r
1 law, payments wIII be appiled Ia amiozartts owed a larir Ire Plane in the ma•,ne `-
1 Credit Union chaoscs
PLAN ACCESS -Yo can Obtain red t van t ; i . any ma. ner a ;th,,r, z f J t.y I
oe allow Vou to use y out 1Ji MiDeblt card to access in e Plr n, u fray b table l.I Iiiii
-
i vinauthon-ed use of vier ATMs t r' ;ard, You will not !Jr liable for Itna .'.ho zed
that Occurs aret you nolify us c al'l' or in writing, of the loss 'heft or posy I'4
unauthorized use. If you belieou your ATh1,'D:ebf card has been lost or stolen.
immediately inTorm the Credit Union by caf;ing or writing us at the Wlepf-10'10 numb, r Of
address that appears elsewhere in the Plait. If the card is used to obtain unautlt sized
s advances directly from the Plan, your liabilily will not exceed S50 if the unauthorized
v:ithdrawai f6 from a share-draft accounl, your iia"vilify is governed by the Ret1+,Jlalion E
disclosures you received at the tsmc you received your ATM Uebi:- care even if !rte,
1 w1itaraswai reSUfts in an advance being made from your overdrafl subaccount
f
FINANCE CHARGE - The dollar amount you pays lot money borrowed is call; d a
finance charge' and begins on the date of each advance. A finance charge w!1 be
compu!ed separately for each separate balance under the Plaan To compute the
finance charge, the unpaid balance for each jay s nce your last payment iu since
an advance if you have not yet made a payment) is multiplied by the appficab e c ily
periodic rate. The sum of these amounts is the finance charge o':red. The ba'arice
f;sed to compute the finance charge is the unpaid balance each day after payr- t s
and credits to that balance have been sul:tracted and any additicns to the balance
have been made. In addition to interest, "r:c may charge other finance charges wt -,,hi
are disclosed on the Addendum, If the interest rate is a variable inferus! rate, fie
A.dderdurrl exz7la ns how the va able interest rate works.
SECURITY - You pledge as security for ire Plan all share„ and div.i_r do arr.i, it
j any, all deposits and interest in all joint and individual accounts you dale ?v9!fl us
now and in the future. if a specific coilar amount is pledged for an ado. c.c:. wo Wi'I
freeze snares in that account to the extont of lnc Outstanding balance Or e
advance. Otherwise, your pledged shares rntsy be. withdrawn unless ynLi sire ,n
default. The following paragraph applies in all states except in Ohio, Rhode
Island and Massachusetts: We have a statutory lien on the. shares and aividands
and, if any. the deposits and interest in all in(fividual and'oint accounts you have ,Jth
us and may exercise our rights under the lien to the extent permitted by state law.
('.rile are state chartered if our name does not include the term "Federa: 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 Retcement
Account or any other account that wou:a lose special fax treatn'e't! -rider slwe Or
iedera: la.v if given a= aec:JritV
Additional security for the Plan may be r q 'red at The is-: u , a Y Cc•. !f ;a
sUbaCCOU" t Ide.n.i,fies a rYOa of prcper!y •_such as 'Nee Cars') -.-j r.?::_._t q.,;e Ihat
type of property as sec r:ty ,.nen you gel an 9 jva race. LJndg' :^a( a,baccourt A
subaccount name such as -Other Secured' means you must provide 3CCL?rity .
acceaable to us whey you obtain an ad•?ance under that subaccount Fir,y ,Du
give as seC,rity will secure all an o„n:s owed uncle: the Plan and all ob•Er oats u
have with „s no,,, or in Inc- fulura, except any 'oar. secured by your rrncipa. _ e,,e ..-` j
P'operty sec?r ng e! er C3.115 }cu se '.:;!It ma', also SBC'_ an
CREDIT INSURANCE - Credit life a-,d or _•ed,: 0; i! 0-;a1
-:-ider,ne P'ar. i' yon. qua: fy'_
_; 7.7 the , Sura,ice Li
t .. .. 1'.CJ .. .,
PERIODICS"rATEMFNr - A. ,.". .,
n l i rah .... i..: C':: r_ , -, .- [ ..1',^ r ':[ >.•: ,'r.
ill - .I? ,t .i i ?: r; f r.):', u', e° ,u :i:!.
JOINT ACCOUNTS'
r f + n] +I _ h .; ,t r t ont. r r r. .! r 1 1?
f .ray 1 J .!1 Ty p -(j;,., . t? 11- fit y'n, ojE h :r if •
qn ti ice.' ? .;' t ,?1,:f a I r 'O I i i :: f ( tJ. !' ?t JILC, :f
:;'[ r!cs .., r,l y u,ln fc a1 ad .n.r, Farah _,1 you awn,riz s .h:l
,t..c., a d agrees Igo repay td.r,nce , Made ?n live
Y ! I ,. r. ,, niny IcTf- ale rl In niiin bey giving US I.'rior '.vrit?e t
t 7c !r dt ?;i t: mRV+I P?,911 t" F';.i I :. Ff,r C?Il 'ieri It), tali of '1Cj
s a !a lb r fiv,::tu f ,y ant! cl .i y for i a xane : c erred !,vifore i rr !Jess.
V FEES AND CHARGES - I a
_u ••:r sec.,r• n;eresf in certain ty,.e.,^ a
i r ra .. a y-. yr„r,, t ( nyt pore Ll rr 1-:rest in the pr _,,erry I .? r
(jo, 7,4 t_ !':Kull: 1 , ^.e +e6 Viel P,r IL c,c i , y,:-;.: a! ;e lime y.;u Obtain an advance.
• ',Nr :T- s e y7:.. otter rE f I[' to -!,cLOr, ,vi•^. the Plan. Our c'U?e:',l fees art
di j cr ;?C JJ n-dum l .....:.idcJ tr, oan t r;!rice tin c ylxa pay
u :f c t car,
UPDATING CREDIT INFORMATION - JU prcinisf, that you will p ron ,sill ;ivu us
wrien notice I, nJ move. r_,a^rge your namle .,. ,,tp?yrnenl or -f any other
y into iarion you i)v'ded to us .,hafres. Upcn cur request, you a'Sh agree tc
pr,,,,idc. is ,J.llwl fri alt(.:a? ii It„f Id, Oa.
DEFAULT - The following paragraph applies to borrowers in Idaho, Kansas;
f i Maine and South Carolina. You ; be default it yoc do not rricir:e a 1:laymew of
!t irTh q,rll [ L r.cd e t it 1( Y,o v di also u. ern dr °atill if we beliC.e ttte
e pr toot of , rrr •n% pi<:rfc,rlrar c. or r a'zation en <at,, property given as
SeCUrrty
;S s gnif?cartl. rn_,.aifed
The following paragraph epplies only to borrowers In Wisconsin: You wJ br•.:.n
default it Voo fail 1o make a p ayr lent when dile twa Niles during any 12 month
pt: xrc. f'fu ill be in default if b !king any premise rttadc under the Plan maferia!ly
int .sirs your ability to repay .vh a: you o•,ve or starer ally impairs the condition. value,
or pmtectron c.1t or our right ire at i, (u?cayert YOU gave! :L; secur,ty.
The following paragraph applies only to borrowers In fovea: You will be in
da alit if you art; more (hart 10 tyis late :n making e payment. You will also be in
dc: a H 4 ;o do r °d ec ntply wan the terms nl ..he '',;9n And Vow failure to comply
man naliy impairs any ,,, rperly y , , give as security or your ability to repay what you ?
Ow under tra, Ptari
The following paragraph applies to borrowers in aft other slates: You will be in ;
default it you all ft2t tisane, l stay r e sit of th . an.ount required when if is cue, YOU v.ifl
be in default if you bfc- k any prornise yuJ made ender the Plan or if anyone is n
dHfauit t,ncc any security agreement made in eo riec:ion with an advance unrier
Ise `'I. r. Yoe vole be it default if you rJ e, f.'le to, ban ruptcy become insolvent. if you
ma e .fry t,;. e or ,usreading sl a tenlerus in any cre Ji; application or update of credit
i information, or if something happens we believe may substantially reduce your t rrrp. r.<at y_;, o .. i8 bef 'r dli,fiuk 'f any properly you have givcrt
US as sr cur •-' is repassesseld U. 611 eone else, seized under a tortarlt(ire or similar
+a'v. or .; any,. nag else napoena h rtsigni6cantiy atft•Us the value of Rhe property of
Our Soclifify i•,leresl it .You veil! 3 ?,d be. in defy Jli under me Ran if you are in celaull
Jrlrf r <..y f, ,er .Dien agl een'en :fithl us.
ACTIONS AFTER DEFAULT - The toHowing paragraph applies to borrowers in
Colorado, District of Columbia, Iowa, Kansas, Maine, Massachusetts, Missouri,
Nebraska, South Carolina and West Virginia: When you are in defaut and after
exp r_aitort of any "ght you have a Jf t apollcade state taw f cure your defau!I, we (,art
demand ir•irr..eo rte t::ayment f,f he r;ntire unpaid ocalamc, udder the Plan Without
gr.4ng a(:vdn.e notice
The following paragraph applies to borrowers in all other states excerpt Wisconsin
and Louisiana: Whrar you ar- ran ,. ca.` .equire inn:.,nediate payment
I, LiCGelera',iz;.n'i Ji tr„ en,i e J a;ai-ce Linde., tr,e Pian Yiiu w'fivf 8!1y rig,, l jr-il'1T.4d
to denia nd for ,,,aymert noes[' <,! •11on! to a^.ce.erate' a-id notice of acceleration.
The following paragraphs apply to borrowers in all states except Wisconsin and
Louisiana: If -..lr - .dale paynx:nt i aefinanded you will continue to pay mlorest until
what leis awe nas'u.een rep, 1 dl le at.prca!ie,nlerest rates in effect or, ,' applicable.
at tl r. -,Iota,'! 'ar'e aiscbscd in ?ne Ay:ie-dum. If a :j-mcind ?or immediate payment
has b__ race. your snares r..', or ;].posits --a-) !:e 9ppied ?owaris whal you owe
as o led h so,--ti ,n a,-6 air cl e, N,r c.?, also exerc:?e an,. other
ms's ere ?. hr ?, :era yo-) are 1-• au:;
r , tits c n a
? - - ^! n prCperty g-von it- 3° .} ,era 'I; Fl,,r i- ?a0nu ,:I,h C.h stn -t-
h' :aL^ ?! 1f`- E. •J1 e .. _. .,.r Ft '•? a dine aria
nf- at :., a., .:e it mat Y.e f^Err
LOANL/NEF," (,read and Secu ity Credir AgIveiiienr (conhnueo;
,. - ..
r:.... .,. ,. ,.. _._
The folowing pa igr,4 h aJplics nn,, to 45ist r,ns`n nor"orten o
...1?... .. 1 .. .. ..:,r ., .. :,1. .. _,
pr_ ,r. ::; is cr.c ,;,
:"e 5. ?i
r :+^I .. G£. f _. ..
.:. _r .vn .. !; la _,.(rl , a C:r6t ;,, :: i'I " _ , . _ 1e•q,. ,.p' - ,,,;v ::o, ,. , I ; I
., ,raid ter sale r rite nas .. :Inn rill :r..
agr e !C r ,west a any uri„al...af,al : at ; s_r u3 rate) ?E 3u._ar,cu. C
0app e..aC,'e.a, ..Ie U,_fau ' rate >.SC sew on a .,i,c.en )urtt, ,:r:'I , of 1:n,, r>; 1
?ne . e ul
possession of ,he property .i;4hoz;f Iudlclai .,rC ce.,:3. if pPr mitled by ine 5tafe
the property is located.
The following paragraph applies only to Louisiana borrowers. Alhcr you are
default we an qua e Err -rod to payment acreie nttonl f the an e .r)p; ,)
bal.,,ce under the Plan. You++; ive ,an, right ,ou havo to demand for pay _ rt 'Intine
of Intent to acco,era,e am notice of ? eeieretion, if immediate Payme.,t
cema.;'1ed, yej w:0 continue to pay interest until what you Ce has been repaid if
the applicable i`iterost rates in e?feet unless a def3l.dt rate i. caseL,ced on Y e
Aodend:;m. II a demand for ifftmedlate pia; ,tent has been made, the shares and
deposits given as security for the Plan can be applied towards what you nave. %V
can also exercise any other rights given by law when you are in default arci nur
rights order any >ecur security agrearn, nts y,oii have with us
CANCELLING OR CHANGING THE PLAN - The following paragraph applies
only to borrowers in Illinois; We have the gtlt to ch zr.ge the terms of th, P11-Iii,
lime rot"ime -;aflor g`Ang' you any 'a,vt.. ce )c,! ice ^-qufee by ,c-:n f,:l; ch a )f;. t„ he
fnte,ast late 6. o,he' charges wilt. apply to Iclure .dv,wceS.
The following paragraph applies only to borrowers in Wisconsin ', e cu
change ,,he terms of the PI•yn frofr time to time in accorciarlGe w,11- Gccf;on. 22 41.5
o' 'he Wisconsin Statutes. You will be notified of any change in lerims Ar) increase
in the dally periodic rate under a variable rate interest rate is no! cc oer'1d
change in terms under the Plan. We can caance the enure Plan or anr, part of they
Piah at any lima. You may cancel the Pkar. at any limo by giving us pnor vrritter.
mace. Your obligation to pay the unpaid ba'ances Under the terms of the Plait
continues whether you or the cieoit Union cancer the Plan. except h) Inc, extent that
your iiabJity is lim-[ted by Section 422.4155 of the 101iscorsin Slalutes.
The following paragraph applies only to borrowers in Iowa: We car; char ;e Inc.,
terms of the Plan, from i me to Time af-,er ai ing ;,ou any advance notice required by'
law. A change that it°eiease,s the rate of finance charge or other charge, that
increases the amount of your payments, or that n±herwise adver cry affects exisiin.g
balances will apply to exist .nq balancers only it you agree to the „hange or you use i
the Plan aver receiving notice that your use of the Plan means you an-ee the
change applies to exist' g :valances.
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 e. ter giving you any advance
Notice required r )y law. Any change in the interest rate will apply to future advance=
and at our distcretlion and subject to any requirements of appkcanie laaw viii also ?
apply to unpaid balances.
The follbwing paragraph applies to all but Wisconsin borrowers: An r reasc+
the daily, periodic rate under a variab e interest rate is not considered a change :n l
terms odder the Plan. We can canoe' the entire Plan or any part cf the Plan at ary
time. You may cancel the ran at any time by giving us pnor wn?ten notice Yo.rr
3b6gation to pay the urpaid balances Ljnder he terms Of the Plat continue. r«-.e!he i
y"ou or 6:e Credit Union carrel the Plan,.
DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN - Wet c .iela,
enfor ng anY of 1S7 right., under :his Plan a, , er of fime thoe,t Ion "'g
ability to exe Oise our rights ;ate:, We ca e,,, ,e .rs ?,an a' ai y-'.r rcrr, ce
legal recresentatives if we char' e t`e ;earls ci'he Plnn L agree t,:nt C , P.u:-f
wlfl continue le otecL us,
CONTINUED EFFECTIVENESS - any pcr+ th s -:a, s 7ete'r)tned b cr _-
to ne unerforceable, the rest will remain in etlact_
NOTICE TO UTAH BORROWERS - T' is v.-r,'en agreement ;s a fira, elpres`,ior. +'
the agreement bervaen you and the Credit Ur ). Tn:s wnl!en agreement May
not
be contracicted by. evidence of any oral agreement.
The following is rewired 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 appiy,l'if you give security in connection with an
advance under the Pian. They apply to borrowers in ail 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 SECURIT'I' FOR THE PLAN'
ViHATTHE SECURITY INTEREST COVERS CROSS COLLATERAL PROVISIONS
,
r -? . . .....'1 also secures any other advances you nave now
or receive in the future under the Plan and any other amounts or loans.
mcfuring any credit card 100f l, ewe Lis for any reason now or In the future,
except any torn secured by your pkinclpal residence, if •- i .. _ .,
i_; _ 9? _~F ::•ri l e F_ ,. I.-ii:,, rn ._r r,.' ,r;?:; __ .r.a '!I!OWNERSHIP OF THE PROPERTYli- 'fi„ro-rsc s: p
j,j
a. it !?,e you errs.. Wilt ._!Sk?
'.`e ,jva-'P flat pL'pr)sr,You rL?1?Sr. tr,a, ra cre el>P has :,r•r I'1 r_
aln ,ga,rs(I n t,rca?ery that y+?t, I?eaaa n7i aireatly to "I us ib.:,t_You prorwie not
F _ .i ease- ,hat ;:ro(;at'1Y or t, ,JSe i. as Sacur', rr ,.<:n .?'.h arothcr credrlor
aril .e: 1,tvar:v !s reps rf (o u you will ?Ilovl 9o i thef secu Ity -,eresi or
on to attrCtl ' the r)icpr, ty gilt . r hay your ?ctiors r,r 'j of ia ,.
PROPERTY INSURANCE, TAXES IAND FEES -- You :1-ius frarnti in pro;,
erty
insurance on prc(ei ty t` al you 1 ,` a 5 ;E a ry un tc,. the Fll?in : You riay our h aSc
!10 r-Jer",r a it ce. Jill rrry you e hoo •C- who is accep Able t0 the C,odil
Unio . The arr..ur: and our ij . c,fllhe property, instance nn,,;st be av_eptabie• t
Yo,i r^,:ry pr,)vi,St, thv : fopr: rty nsi„,fance througl a l,ca';ry cal .a,rrlady ,''rave, o
ough to oollcl you get and Par t-1r. You t rornise t;-) make the insuraance palicv
ayable to us and to delver the p,,•,Ilcy or proof of co emge to us if asked Ir.) do so.
It you cancet your insurance and )et a refund, we have a right to the refund. if the
property is lost or damagod, ve cah use the insurance scattier-lent to repair (Ire
property or apply ,1 ;Dwards wh_a! ? u c. ve.Ycu author e us to endorse any draft ,.jr
check w!tacri may be payaole to yxa in order for us to collect any refund nr berehts `-
due under you, Itsuran e: policy V tlI also nrur^',sc to pay all +axes and tees !tike;
registra!ton fee.. , due on the prope-l}y
It you do .-.)t pa, tP _ t„xes .nn, fees (',r the property when, clue or Keep it incur ,et we may
pay thew, oNig •I lnS but ve :re r' _, re.q ;Ireu to do so Any n)Uney we, spent or
uses or ir,_rrrar .e .,:I- be to fire Unpai.l , alatce of the advance and gnu v.rL pei
interest or) ;hose; arnounU ut the same rate you agrood to pav on the advance We may
eceive pa}',tents in connection wdt. ink insurance from a company wh.tch provides the i
Insurance ',Me May monitor our roans ff?r the ciurposa of determining wneber you and
Otte t crro,+'ers have co rolled wi(h the! insurance requu men, its of our loan aril eemenls
Or May (,,_'gage Others to do so The insurance charge acced:lo an advance may 111C!U0e ;
( i) tilt insurance company's pay ricnis to ,s and (2) the cost of dete:.nininq cornphance
with the insurance requirements. If we aIdd amounts for taxes, fees or insurance to the
unpaid balance of an aae once. true. may Increase your payments to pay the arnount
acide i within the term of tho Insurar ca_ or approximate term cif the advance
INSURANCE NOTICE - It you de nlpt purchase tlae required properly •ns_ rance.
the insurance v may pi? rchase and charge you for will cover only our interest u? 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 1.
collateral is lost or damaged. The insurance will not be liability insurance and
will not satisfy any state financial responsibility or no fault laws.
I
PROTECTING THE SECURITY INTEREST - It your state issues a tit'.e for the li
property you promise to have our security interest shown or, the title. 'Ale may have
to file what is called a financing statement to protect our security interest frorn the
claims of , thers If asked to do so. yo?u promise to sign a financing stalemert. You j
=tiso ptorr.ise to do whatever else we think is necessary to protect our security
interest in the property. You promise t'o,.,ay 311 costs; inclua,mgbut not limited to any j
attorney fees. ,ve ncur ;n protecting our security interest and rights :n rie property, .
to the extent permitted by applicable I1,v.
USE OF PROPERTY - Until ?he Advance has Been paid off, you promise you will
t} Use the property carefully and keep It in good repair- (2' Obtain oor written j
permission before making major changes t^ the property or changing the address
where [fie property :s kept. (3) info,ri uls in v:riling before chanrlrng your address. (a)
Aliov. us to inspect the property, (b) P•Omp fy nc,,Oy,us if ?he property, It; camaged.
:?clan or abuseo ?6; Not use the F cpdrty for any ;n an, dui purpose t7) Not to •eGUe
pm,e,ty In another state 'Nlthc Ut leihnc' us.
NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOT014 VEHICLE
- THE 'MOTOR VEHICLE fN THIS TRANSACTION VAY 2E SUBJECT TO
REPOSSESSION. IF IT IS REPOSSESSED AND SOLD TO SOMEONE' ELSE.
AND ALL ANICUNTS DUE TO THE SiECU'R'ED PARTY ARE NOT RECEIVED IN
THAT SALE, YOU MAY HAVE TO PAY" THE DIFFERENCE.
NOTICE FOR ARIZONA OWNERS OF PROPERTY- It :s un'.awfui for you to far
in rewri ii motor Ye-tide that :'5 subjeG{to a Security in:eresl, within shirty Gays after
rou nave received notice of deaa.:'t. The notice will be malted ro the address you
gave us. is ';rr+r reSpenslh ?}+ tr nn s if your address changes. The ma=,m,1•„
,e-raar r:.i. aii_rre r; n a ,i ,o, c 'NC 5 onE:, ye 5-n, an; ,-r
ne, r;(? n:
4 7
NOTIFYr US IN CASE OF ERRORS On OUES11ONS A6OUT YOUR
STATEMENT ;':.r •. ;Er .: " .•r.
s*e
17e 0 e", T
're I
3', C
••F'<a,',P ?, Ill: 7nr;
C, r
yOt. ,a a;,:n,.rleJ CS
rt ha hi 1- .. r . ::p t s„ i
Dr --i
;rcng To c'oplie. r 3rr'3n ,).Lr'e!!er.n:.at 3e s t'. `'et; 3J1 t -`.,.
ra;:tornatic paymert .,.;ne.dule colt.
YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR
WRITTEN NOTICE -'dye rr,.S. '<;itc: wit r,n 3,-? ;3vs, a ..e. :, -ie
nave corrected the error b} thcn.:'?:thlr Sir days, must & : ter _ r ..
t2xplain why we be ;eve the statement was correct
;n this Agreement, the words you aril your means each and all of tt-onn who apply
or the card or who signs I Agreement. Card means the Visa C evil Card and any
duplicates and renewals we issue. Account rneans ,,our Visa Credit Caro Lint, of
Credit account with us. We, us, and ours rneans in.is CreCi t Union.
1, RESPONSIBILITY- it we issue you a cart' ycru actree to repay all del,;s and the
Finance Charge arising from the use of the card and the curd etc: bunt. For ?xarnplc,
you are responstle for charges made , ydtirself. Your ,pause nd minor rhilc on.
You are also responsible for charges made try anyore else to .'them you give the
card, and this responsibility ccritinues unril the „aril is re-covered. You cannot disclaim
i responsibility by notifying us, but we will close the account for new transactions if you
i so request and return all cards. Your obligation to pay tne account balance continues
even though an agreement, divorce decree or other court judgment to v,hich we are
not a party may direct you or one of the other persons responsible !o pay the account
The cards remain our propery and you must recover arid surrender to u5 all cards
upor:our request and upon terminatucn of this Agreetnent.
2. LOST CARD NOTIFICATION - If you oeileve the card nas beer lost or st,)Ien,
you will immediately call the Credit Union at i7t 7) 234-848.7 or lP001 237-7326. A,ler
hours call (800) 556.56:8.
3. LlAWLITY FOR UNAUTHORIZED, USE -You agree to roti`.y us trnmedlatety, o'alty
or in tenting of the loss, theft or unauthorized use of your Clec t Card You may be :rAble
for She unauthorized use of your Credit. Caid.'rou will not be table for unauthorized use
Inal a,curs after ,you nobly us of the loss, theft, or possible unaulhorized use. You will have
no 4abiliry for unauthorized purchases made with your Credit Card, unfeS5 you sr nr >ety
ne'_'tgent to the d'andl'ing of your Card In any case, your liabilr will net exceed S50
4. CREDIT LINE - it we approve your app cation. vie will establish a 'self-
replenishing Line of Crec:t for you and notify you of its amount when we ssue the
card. You agree not to tF! !the account ba',ance exceed iris approved Ciecil Line. Eacn
payYrenl you make on ti:n account will restore your Credit Line, by the amount of the
payment which its applied !a the principa?.'feu may request a', increase in your Credit
Line ' only by written application to us, which must be approved by our credit commence
or loan Officer, By giving you written notice we may':reduce your Credit Line from !irne
to time, or with good cause, revOKe your card and termiha!e this Agreement. Good
cause includes your failure to comply will this Agreenten! or any otheragreernont with
us,, or our ad'.erse reeva ualion of your creditworthiness. You may also terminate ithis
Agreement at any time, but termination by either of us does not affe„1 you obiigation
to'p<ay the account balance.
5. CREDIT INFORMATION -You authorize us to investigate your credi: standing
when opening, renewing or rev ew'ing your account. and you authorize us t disacse
information regarding your account to credit bureaus and other credt ors w:' J inquire
of us about your credit standing.
6. MONTHLY PAYMENT - We w"ll rna:i you a staernerit eery norm SnoMang your
Prpvfous 5alarn--d5 of purchases and cash advances, tee current transactlors ;our
account. the remainl.rlg credit ava a.Ne under your Credo Line. the Ne•,t Balances c
purchases and cash advances, the Total New Balance. the Finance Charge Cue to Ja:e,
and any Other biGEc fees, and the Minimum Paymeni requirred Ever} r? onLh you must pay
al least Me Minimum Payment within 2.5 days o` your statement closing date. By sepal ate:
agreement you may authorize us to charge the mimmurn payrnent automatically to ,cur
share or checking account with us. You may, of course. pay more 'requi pay mere
than ;he f.4lnlmun Payment, or pay ;he Total New Balance in full, anc yO ..I,' redo: e the
f,na.,, e charge by doing sc. If your monthly payment exceeds the total credit line bainnc.r
owed, we will automatically post the credA to yo.,r S': shares
The minimum payment will be (a) 2'.•'. of your Tote: Nev, Balance, rounded up ro the
next even dollar, o ;n),S2Li.pp. whichever is greater. in addition, w any t,me our Total
New Balance exceeds your Credit Line, you must'mrnedi tety pay the exces u
:
ii _..,r c. _...21',. .., n,. :C
r .. ^,r] I ., a t.. ID I Y 'l:r.'•.- ?- an V. .If,... ,1..
1 S.
7 T! it :mi? ,7 .2. air? . , ... I ,. .. 1" to .? ..:....
7 •',;] ._. 1... :'(_ .III. nh: -c. ? ..ra•, .. , . , I .. .. .. '. ra-' ;r.-.; ;li I ,t ':,i
finui
. .. , '.;i .'IC•v. 'f, 3t ru
It ',u, Jlii` :l_, •r,-.::.
SPECIAL RULE FOR CREDIT CARD PURCHASES ' - { =" • t'h
.. .. ._i p, :.i•i;. ,r.. .1 _I, .". ? ,C, ,. ..-.. I. ,:, ..: .t,.. ,: ... ;'ell
h :. (. )..V'! f, f, :.h•, I.) .f ui. ,l.l- ._, c [ - i or'- t.!'E,: e,
I, ;la.i. tt... ?. •Ignl tr.7 r>u : ,us; ,?. wa.,? J .: , ! ?. - ..r .. .:rr _: ate
',,;I . a.l'hVn'vn;ar .!.-r' .,.:Ot. 00 . Jc Of .':',?r re! . cr: I r,, art+1' ...-''ri
r Jr. ;r - ! .,.'ChN I ? .! t:? yid
Ti eSe i,ra ons ic iol apply ,. v,?e a 1r Of
you the xi ertisenlent tot the plu y or .services..
demand. We. will appily payrr7ents in 'he f,l:ot''ring nuant)6r first to previous lilt] fees,
then to previous cast) id.aan(e fina,?,-o?-l-arges, then to pr) 'ious purC se -r in-.e
charges, .hen to ,.urrv..t late fees if rfl to jye., hS cash art 3ncc balc.nces tie, ,,-
prEi'ioub purOhFa; L.llances In trio n for',;hall 7ncy were osled to y"),lr acco:.7rt, then
to current cash advance hat incoii, a-h 1 t r n to current purch ice balances
7. FINANCE CHARGES t,u can thi, nl^:dnL Charge on purc,ias.cs by
i ayvng the lUll amount of the New B a ce of r'urchaso; (filch month v:ith;n 25 days
f your statement closing dale Otil to;o. the Nc v Balance ofPrrcf Purchase!,. and :ne
sot equent purchases from the •-kita theify are pealed t0 out ncec(nt, to be ,UD;'eCt
to Finance Chargo. Cash advances are tiway s uniec'. to Fir.rance Charge '•om the
i date they are potted to your account.
Purchases: We r !culate you, f:n,gn. e charge by haifti,).ying the average ad)ustod
! gaily balance tse explanation ueloV,ri Irjcludi iq net purchases, for the billing cycle
by the monthly' periodic purchase; rate and ca eti _I:d:rl a ANNUAL PERCENTAGE
RATE a cis:los,ed or the, Addf-nd,_,,n.
Cash Advances: 'Pte calculate ;our', finance charge on cash ad'vanc'es by
multiplying the average adjusted d t! r balance isee expl.,maGOn below) for cash
advances during the billing cycle U'y I trio: morinly pehoi c advance rate and
corresponding ANNUAL PERCENTAGE RATE as disc`osed on the Addendurn.
Balance Computation Method
Average Daily Balance for rFurcha s The. Average Daily , alanco fcr Purchase
Transactions is calculated by adrdin! !h pi Daiiy Balance (P "cause Transaction) for
each lay ,r the b'IGr), cyce, and the n r,l.'Iding by 'ne rice bee at ,,lays I i the billing
Clyde. to ca,culatr' I Da!!y i rot purc:n ases each day, we take the 'dlov,ing
s,eps: iVe take tl'.e Outsta.nd nq L-flan ;e (all arr•ounis you o wee If a start of 1au3 Coy.
Then, ui t^_ secaence in whirr amounts are pcstel to your account, we add the
amour-ts of al! debit's and sub.:act the an?i,ourrts of all cre alts or payments rlntch post
to your account that day. After ap:plvrn!,g pa:: mrnts and credits, we subtract the
amount of any unpaid Final=)ce Charge„ or LFie Cnai'ges. t:en the also subtract the
amount of any Cash Advance tr nsaclio:i's that posted to row account of) that clay or
in any previous day in the billing oycic Tthrs gives us :he Dally Balance for purchases.
Average Daily Balance for Cash Ac.,,,inces - Cash Advance Transactions vaiich ate
pasted' to your account are not included i'.^, the Average Daily Balance calculation for
purchases. and are :herefere not sut:iect to the enontnly periodic rate for pur&h vises. The
erage Daily Balance is calculated separately fc'r Cash Advances and is suhiect to the
Cash .Advance Monthly Periodic Rate The Average. Daily Balance for Cash TransaC, ens
s caicu'ated by adding the Daly 13,larces!,i,Casn Transaction) for each day in the billing
ycle, and then d. iding by !no : Jrrlber of ;lays _n the billing cyc',e- To calculate. !`,e Daily
Balance for cash each (Jay, we take tae foaowing sleps; We take the ou',standing Dalance.
fall amounts you Owe) at me start Ct Ine tltay Then, in the sedue'nce in which, amounts
are posted io yci account, we aad tn( arr? Iount`• al all dea!ts and-stubfrad the amounts
_' all c•ed.ts or per;•nenis'.ah:ch p;)St is yn , _,cuot.nt Isla; day. After app.y ng payments
and credits. we subtrot the arricunt of a; j unpaid Finance C-i?trges or Late Charles.
Then w>e also sUu!rao' the ?im0:.'rt _.f anyl Pu.-cna Sc Transac vo^.::s trial (,Osten to your
33000"l, on that day Cr in any preo?0 _;? t' In "-c „-!ling -clt 7hi5 pves us the Gaily
6aiance for Cash Ad•:ance Trar a AO: S Note: Cash Advances are always subject to
finance charges and from the day they Ere posted to your account.
Pavrrents are eon!:e7 it me. E.r,m, .Sitter- : ,rst ;c prF;io,;a !ate feet,, Fri to
pre ,o_.s aft aJ:=f^cc-s r ande cij aa'fies 'he" !. areeic,,s purcnaise finance
charges then to current late roes re.l xa . ash :advance balances ^, . tc
p rewo,:s ?-urciiase balances in the order ,!.a! :nev .•.ere posted 10 your account. I-:en
to current cash advance ?31ancCS and aer to current ;)urchase balance;. Credits
are applied first :o the part,c late ;r,e of dt-bt vrtlch is being credited if any. and then
haIn-1, c' > , a -u-i'
pun (,.lr?to ,he
Vis?T' Credit Card A reement and Truth !n Lend•nq Discrosure (co Jr:t;oeCj
B DEFAULT - v,_.: .. . , _...
I.'
j ,o^ r.; J n
9. USING THE CARD
EItF, r.fli\-• ;J(C.Ce (J?rE'? - `'e '.. ? ..:.J ii .... +.. ,_rt .. ,
nat rq n r . J-1., `0 :•=1 r ,.....
ao,ar., i? c(ra'1 i .. . .-1 .U,
+••:n -.n_:..uci . .,}• ;.s r ;ow t .,'•r.ai
the ,..a t:I;. re :.?+•.,c fy.ri, .;1 Eri .: 7n,^:r. -nal it•
i1e tore. V ",-'a „ti_itE) YOtl v; if h.•t i"i" d J
q f y
irenS3Lhpr !hat s th'egai u;1 er a,, ICa E- f_ r,,, St :G. U, d' I,1,: ', f _ ;hl
I Statement vvr, :denhfy !^e me•_I1E r+. ,:'e,,vjn,i
t-r
•ir ,. ',Ci;r-. in-,. L,Cun J:
rrhicn tra nsac, [:na_, .reap .a,.•c?, but sale .::as , :adva^c crizt, it s„p, c•,n--: -,+
lime of file transaction in order to verify the m aiNv stn eriart The, Credit U ur may
i make a reasoraple charge for pha rcop,es of sips of - ray request.
10. OVERDRAFT OPTION - if :ot ei ct t ovei.,rat .•, ,,.our r SECj Visa Credit Card mat ra e t on is subjer t to ale ee tlnp ;:re + t i he ig e rc it c >rt
and the current loan polo at iris Ira of the overdraft, Ynf use e ndersta c hat an
ove draft will he considered the sarne as a c t advance :in ,,our ac ECU V,szi Cre lit
Car. and that the current Annual Percentage Rate for crash advances v:.it apply.
11. RETURNS AND ADJUSTMENTS- h,',:.re:hanis and others, who honor the care
may give credit for return and aclu talents and the will do o by .end nq us a
credit slip which we will post ,c your Visa fine ,)f credit If your c ed t and payments
exceed what you owe us, we will automatically post the excess credit balance to
your S1 Shares within T5 days. if the balance Ss one debar or more, L,ton
written request, we'vill refund the recili balance n you
12. FOREIGN TRANSACTIONS - The arrt . .e sic t two r h? rr to , ,or
currency and tie bi ling current, used lot oroce Dint, .nte at real Transaction-
is n _te
selected by Visa frorn the range of ralLs available in ..hole ale currency rrartiF,,c f.: .he i
appi'cabte central processing :,ale whirr rate may vary ror e rate Visa ;tsei'
receives, or a 47over'nment rnandatca rate in effect rr_.r (tie app?ica;;ale central pr,teasing
I date. in eac4wstance, an adlus!ment may be !rsessed based on the IS A. fee unposed
by Vasa. Tnis fee, which totals 1 of the transaction amount. will ha asses ed J- aI'
transactions where the riser„ h.ant country diflers from the o n ry ci the cam ue(.
13. SPECIAL RULES FOR VISA PURCHASES - if you Iisagree or find n e*rcr
with a Visa transaction, and have tried in':good faith to correct the problem Willi the
14. DISPUTED TRANSACTIONS
lof
a..
15. SECURITY INTEREST
111i1. lc:
this a.. .r?• : r .. I et; r ,tar; a. r _
V,.", g:,en j; a
L_ Je « _ alit =C_ Jt. _ ?f+_ . y gning tt1C P:r dgtt r:f
s'-a es ?: Crnf f ..,c any ;,11--.r som-,r;t/ r e ;t^ to, your dr t yro a r ,.nt
y;l, t"L sectirec tr, yuf.,r 1JI _Ier' ,hates t0ep :r.s) <ird :y the pr;perty.J_?c in
1! os - f?. ;:FC tJ jq,p ?•er,?; u i-;,I IGr ,;r t
16. EFFECT OF AGREEMENT h. F1..gre-merit f !n e CCn7a:.: whir ,%ppfies to
at( tin -dr. toms un your ai eour,l c qr ,I,cugii tie sa .asf a i, nr credil or
other lips you sign or receive. rr e, nontairf d floteni towns. We may, amend the
AJ, reen n, 'roar o ;, tr a by s« n i nr you the advance n!trn r,OCa required by ?
e; Your u sr, of t card tt ereaher ricat you aoreemr_'nt to the me ndm n s.
T :h e> pr•: the ar i tic r I and r u ''e ail n r r rrJ i r a; lr (lrnent_, vr;:f apply
( ;cu _ tcl-ng «CCG..nt + aianCe f ct n,, r o f ;tu, .?: a. .,action,
17. LATE PAYMENT CHARGE - If I yr'?' t1 'mu n Payment is net received by t^.e f
tirsl clay of the n c ilh follc r ng your dire riate you ,:ill ire sub ect to a $20 Charge.
18, RUSH FEES-You Inay Incur additional charges for rust pror-ess ng and ru-->a
.a
delivery of cards and:cr PiN n-railer.
19. OVER LIMIT FEE - A $20 fee wtll be ipphen !or each monthly sla!erier i closing date
on M-i&i vie oulsiaanding haiance exceerls the a ;_igried credit IimR by more than 5100,
20. DRAFT COPIES - Y, ,)%j i iv inccr an additi nal charge for transaction
sUmrnary.'s Pale draaft docu )ent•a!ipn
21, COPY RECEIVED - you a:: , i ridge rece,pt Of a copy of ns Aalreement.
22. ILLEGAL TRANSACTIONS PROHIBITED - You agree that you will not use
cur card for any rarsact:.:n that i ; t ;gal pndi-.r aFp!rciLle, lederal, stale, or local law.
23. NO USE - I ac :;,e V *a accou is that rave no p (chase: or cash activity may
be cio .ed m1hoc + notice to ,vou aft 18 inor,hs of no activity.
24. NEURAL NETWORK -- PSECU Uses , eura net ork syste n to predict and
prevent w a uthotSied transactions he)a may be occasions when a ! :ansacirnn iS
declined because it is indicative of possible fraudulent a, tivity,
ATM CARD CARDHOLDER AGREEMENT - The Undersigned (you or you )
in in this Agreement Shalt be s
bin
t t
t;
.
{ consideration or THE PENNSYLVANIA STATE EMPLOYEES CREDIT UNIOty two., our u
c
o
.e rules and re•gU1811ons of each account
which 1s accessed by such Card
and us) issuing c you an ATP . u.ARJ, hereby agree to be loyally bound by the following
term
d
Y 2, USE OF PERSONAL IDENTIFICATION NUMBER ("PIN") WITH ATM CARD
s ana con
itions.
ou agree Cia' fne use of sou? ATM .ardi ) censht es a L,J arice
of the terms and conditions of this Agreernent.Yi.u Understand that .4`M is ., tree t e;a,etf You understand that a STAR SYSTEMS Or a PLUS SYSTEM ATM is an automated
?'service and yfou:aulhorize PSECU to obtain a cfTdil report on any users or thus account, <i er. r c z'1
111 ac i fk
r• yr perir' rn na ly r ! the am, bus r. as ant ,^ to er. you
1. ACCOUNTS AND USES OF ATM CARD
t
Y
Th ackrov { dge that to Personal IoentdicatLon Number or PIN which you L ;Se with :he
ou nave
-
e .accoun
(s) nc a Ing
C nocmng and Re.gu,ar Snares). which v ,,e set fora on your a
n;lc
tion fo
m
I
i ATtA CARD is your signature, dentifies the bearer of the Card to the STAR SYSTEMS
p
,
a
r
, :
lls
Agreement. You hereby request that w .,sue to you one or more ATM GArlDisl to AT1,1, PLUS SY'S I Efd ATM, or ollter nety cork ATpA and authenticates and validates :he
be used in connection with such accounts as'.ic_crtbe.b n t•.s Agreement Jsectc s gc.'Or' u_;t -,IS your actuai signature and %ner proof identify you ant
v
You understand }e may use the ATM CARD a a STAR SYSTEMS
t ATLI t
(1; authertica:z and
alidate Your directions o a urn :n is r Y cu a! so urdersrand that
I i
hant
h
n
'
.
,
withdraw ;ash from ?2) make or arrange for deposits in, 3) eflec! rarst rs to or rorn e
w
r(: a pis i
e ATfA
+GD for a Purcha,f_ ,ra!?sac ion enay have an
i .c.ro i c terminal (f.le chant operated or Sol}-Sere e) v
hich re
uires th
f
your account, (4) receive information regarding tilt na!ance 'r y^.,,r aueour,t ,) Or .
q
e use o
your
PIN and ..'en ycur PIN s used at a M
r
ha
t'
t
i
mane cash advances from your creaft accotrnll, j iri the amounts you reiq,JeS`, You may. .e
c
n
S
erminal, it w
ll authenticate and
vaiidwe the directions river? just as ye
ar actial Si nwure will
th
ti
t
d
l
-also use aulo,maled teller machines hrougnoui the Unwed States and in ce-" a!C .
en
au
ca
e an
va
idato
- your directions q.ver lo. us. You ack rl o,,vlied,ge ;hat your P!N is an 'rde?nlif;catfo'1 code
foreign countries wn;ch bear the PLUS SYSTFi4,) name and logo 11) o raka that is personal and confidenCal and his e ;, e of the PIN r;;lh the ATM CARD is a
withdray:•als from (2) effect transfers to or froma, rece v ^torreation regarding the _curi! de'rise lot ;our accourt,_) T sere ,ore
YOU AGREE TO TAKE A'
L
balances n yow C ccr..ng or Regu:ar hates I have. Personal Se',a e , it ,
-
REASONABLE PRECAUTIONS THAT NO ONE ELSE LEARNS (OUR PIN
approyea and..) place Yo:. may also make a cash , nc i , r P L. rc a u reef .
3. LIABILITY FOR UNAUTHORIZED TRANSACTIONS - Y
^
understand you may use ine ATNI CARD t pure a qu_ds and ,e cs ou agree to cc
itr :.Js
-
t
-
t Purchase') at any retail _:anlsrm rd i'M.1cr hart`i v re AT"' CARDS are a
iL e i
ou believe :he A
, h1 CARDI ) issued to you or P ;N has reen ost or stc:en
acceptea s..ch Merchant 1` you _se e ATM CARD to ma. e Puree sr• to n fair or money s m!ssing from yo, account(s) ,uu also agree that if your monthly
_;.sh., if permitted by the Merchant, von s.a!I tie requesung us to .:ithcrar, .
ids
file siatemen s oy;s Irar'sac:ions ..hict, o p did no! make. and you ?jo not contact its
r
:
amount of such Purchase (inc. drr ar cast, re sloes from the T
1erc from
so
s e :h;r 60 i s alter the statemert .as trailed to you, you may nci et arrv nnoney
.
,
u
Chec?,in . Shares and oire;;ung or ordz my us to „iy such funds to the Ve ch- lost a"er mat brie. YOU AGREE THAT IF YOU GIVE YOUR ATM CARD(s; and PIN '
You •eques trial we win prov•ae to
o
h
th TO S01,JEONE ELSE TO US::::'rOU ARE AUTHORIZING THEM TC ACT ON YOJR
y
u suc
e
er services or access to tither T%1 it 5EHALFAND YOU :V'LL BE RESPONSIBLE FOR ANY USE OF THE CA=DIsi BY
systems or nehvorks using t A M CARD :.^,ic e may 3'.er make avaaaU e and ! r Et,:. You could lose all vour rv.'ee in ;hE' aaour'asi ' nu vane 'io anion to notify
+t aca v .,e advise y ,, are 09e o r connection its yo,, 3 r ,t s fo: n r, ,
l PSI: CU of :he toss or ',our A`f.t CARD or PIN S t eguard your PersoGal
anp!tcat form a
so a s:arr( a, "D 1 : 1rt to 1 ", may r_ I ;rC.nl f;c& ,n 1Vrj-,nCr ;P iNl DO i", ,c II c' rrs._!r sE y,,.: r ItJ , a.^7 7lhn' rn•C.Dn Dr,
fit^nt? irai we P. die access . aJJ; Jri-l J _ 1 „5;r
_
CAR
- „(:r AT Iii _ r !t .r a.
r r i. y e a
r.' P"
- .. Ur I v e
it
s
D .e hate .s<.,_e1
.:.-_...:iree '1'• •h,_ f Ire .A_,': CARD Oct .
' '7A RD '1 C f ?:rJ
vol,r Mr
Electronic Fu__ds Trarls(er. AATM Agreernzni art ,.Reguiation__'E'' Disclosure
(continued)
t> nEV. ea m2: UN '. r. -p r. c.. .._ I d A . , . V W& .j 3 :
old card. Arm, such me.: yo r, .ol. A _ MOM I" Nn "I _.. , _
in half. If y-,-, at1Ar,Tr t to t s,e y r.d ca-_ it I ?crr..
4. CHARGES agree :_ car a 50 cent charge far ear desm ,: c i,-.d•;:'.•ar
enee a .menu. Yo.. ac =e 1'_ Pay +he 50 cent pens ! charge on any cash
dlsburserren: rarsac.Qr Ica: ad.. -ce or •e v.fhd'alian Mat 's On than. S2a
You agree IC pay a 15 cent charge or each balance inquiry xi "nay r'.cur a Charge
for any adi:+-:Tent reeds :d be made to your awwrit resuTy hwi ,a war
you made .:vile ma, a dep_o at AM ..:ted :alter n.a_hme k6li 'Qu acme
t. pa; Vw yages , ! .." sac :,n Wes n we _ e:1 by us 'or those senses
or for s... , nt_ .rc a•, ail, __ oFer . __ _,_ Wes a, c en m . .,r ,,.-Ip wd
or Chang r.,_.., ::n-. :." to
S. DEPOSITS -',au aurae hat ,. mI nu make a aepos : a a STAR F *" TE,.1S
ATM teat t hz,.r_..m rig"! to WA a do.. beta we ma e :.e money anode
to you. H .u e!:vE cur, cn ks or o!'._. stem; to a STAR S'r STEtA3 4TY-1, yct.
understand and ac c 4dge shat Me I=& torn y _ „r dWou nmy no be ,avadable
for immed aw vahdr val a& that the av a atly of your de„csif seal: spend w an
rotes and regulations reraany me panrcui account in v*ch you an making a
deposit, the two that you are cepos llcl rand whether The, deposit is mad at a
STAR SYSTEMS ATM that a owned by us or an .ner firfwmal irstituWm You i n
understand aw a knm edg thin! nc all STAR SYSTG AS ATNIS may accept
deposits and some STAR SYSTEA.'3 ATI`15 ma And the amowid of funds *witch
may be deposited and that we may not control these knits
?., 6. LIA81L1TY - it rite ATM CARD ins is ued: for a joint accou.',t, you agree to be
044 and se`eMy ',able under the toner,. 0 As Aaro"wrif an.-±''-t „r .eralr?nf for
such acccUnt. You agme t„at ii you maKa: clepos. i s or payments 10 your accu : :is)
with items other than cash 01micki._ crafts or other items) and we make funds
available to you from such deomps pnor id ihe!r collectioj you agree ?hat we may
deduct me am us of such f hint to your srxountfs` wni h are not ccd!ectod or,
d the funds in 'our a .count(s) arc su fi ! nt.al such t:'re you will pro( pV y ,.ay tins
uti :ny amour-, of such funds whir. are ut :.olleck d.
7. AMENDMENT OF THIS AGREEMENT -- Yo agree MW from; Lmo t !true we
may amer o or change the terms of this agreernenl including amen rent, or
,:Ranges ,o add further MIA C MD see incr.., cr W amer l w change ih charges for
One services We may der so by novQOg you in voing of sudi amendments or
changes and your use of the .ATIA CARD after the effeclm- dale of any such
amendment or change 5haC constitu'e your accepWince of and r, rgme e t to such
amendment or change.
18. OWNERSHIP - Yo„ agree that the ATM CARD is our proper!',' and you sill
surrender it to us upon our request You agree t%l Me ATM CARD Is non-
transferable,
9. DISCLOSURES -You hereby acknowledge receipt of the disclosure statement
nfcrrrting you of your rights uaM'"the Eleamnic Funds Tra,asfcr Act and a co" of
his Agreemen.
REGULATION "E" DISCLOSURE
1. ELECTRONIC CHECK CONVERSION/ELECTRONIC RETURNED CHECK
FEES - If you pay'ur mmelh;ng mT a check or share draft, you may t'.ctt'orue A
to be converted to an e4dier.>c, fund transfer. Au may AIM authorize r t mhar:!s to
eieetrom all debit your accoum for nsurned check fees Ync are considered to have
authorizes Wen electrohic r,1neis Moles 0 you car3plt. a He trawaca'on rafter
being told PAI or by a nukee posted or sent M ,you) '. Me Umsfcr may bin;
j processed electmn:cally or if you sign a r is±en a t t:ri_a!!on.
2. SUMMARY OF CONSUMER LIABILITY -
• ATM, ACH and SST - TA n a awe '1 below, i:: car_. "n brit=-. -w
or stole':. relepr'omng is G:e best ,ay :: ec, y': ur possible ) ses ci. r:r You ciDuld
lose M32 inwey in wix immi' p.. ,,, . mnwrr memo l,ne of credit. li yo:e
believe .our.ww has sign QM sn v you led us t. thin; I',vo Ju4 ess day'=
after yet, learl of Te loss or Watt U can nso nomom Win, MO if c„r. orn a and
4 you du not .t.! is .. , .. i;,_ tw .:',e°,` dqy a't you ea". . ow s `'r inetl i:f
nTped -. _..ir.: y . n :Y. MW '(tind
r. new _ , ., r., cr f _, nan r1 it you wNQ i, ch ns S500
you co no: n 4S AINP oxna &W 7W ywww? Wan -0 " In Y" a. -a;
e 1
no ..l .:incl. so mono; You as. A0 inu a 60 ti4 i we CW
11 , °a e a _ a d hnny way 40- .. ,
3. TELEPHONE NUMBER AND ADDRESS TO NOTIFY OF UNAUTHORIZED
TRANSFERS -
ATM - rr _:J t_ . -
1'r H r u _ )
ACH a" SST - _
Or yNe !a as x
F" ?i`.'.a Sate ='ll 3n.- Coda Uwe
PU- sw 6013
Han arg. PA ' WO 701 :3
'P" SECT I ',+ruf ".,jur;.
0_•0aM T gm t.
TJD (800) 472-1967 N al !,vide
(71a 7771100 In Hain Abgrq,
4. FINANCIAL INSTITUTIONS BUSINESS DAYS -
• ATM, ACH and SST - PSECU's Bushes Gays are Monday thro sigh Fr,aay.
1-41days not included.
b. TYPES OF ELECTRONIC TRANSFERS A CONSUMER MAY MAKE -
ATM belrnc e mQu,r+es an cneck;ng, savings arid PSL: withdrawals front
e: r _ q,sc: ngs cast vin ice from PSL: deposits to checking cav,ngs.
purM,.se )nds and ; . eny accepting retail establisnment.
ACH Pa"Towso de a.:d credits t 'nech,ba and savings.
• SST 6<. n;a_ ,q,.'r, ,., ?•id 1ra^ssctiur3 !.;Stones Jn ail shale certifcate and
bins ;t, ccurts transfers a any stare to another two m loan account Rm
your PSL 0 any shore of loan account: vii ltdrav.ats trorn any share except
IRA shares or ceNTcatm
6. ANY CHARGES FOR ELECTRONIC FUNDS TRANSFERS OR FOR THE
RIGHT TO MAKE TRANSFERS -
ATM r"ifty cents breacr, risbu : cm=n:t (cash advance or withdrawal') less
flan .20, fitly cents for each Varimcbuh owr 15 per month, 25 cent for omh
balance inquiry, and th e may be an adcht onai charge for any adjustment
!nm gees to be manic. ) trig ac gun; o' a?, , lernbar 94 SAM an error
chile seponin all an A Qnwe'd Teller machine (ATQ.
ACN 530 se,vice char 'for waifidew funds for each electronic transhr.
SST - song
7. SUMMARY OF CONSUMER'S RIGHT TO RECEIVE DOCUMENTATION OF
EFT'S -
• ATM - Ycti are enat'to 0 recd s a pnr t d receipt M the bw of eaO,
transact!rr You •wid rr':c6 .e a rnoathly sta.cm gin:. showing the status of your
aces! !, ary _ransacllo s' reade during the worsth, and any penalties or
:,harges PdCCU may unpoee during the month.
• ACH and SST - You v Ili etc erwf a month) statement shoo Ong the still':,s of
;Our ac.,mrT arty I•a•)_a. lAw made during Me nonm am any penalties or
cnarges PSECU may irnposr. during the montn,
• H you ha'. e arranged to Dave a direct deposit made to your account At but
once every 60 days from lips: same person or company ym can call us at
(8001 2WAnB to find out phelher'or not the depbd has braes made,
8. STOP PAYMENT RIGHTS- PRE-AUTHORIZED TRANSFERS -
• ATM and SST - No :app irpe-
ACH - Right to Stop P3 riberrt and Procedures for Ming so. If you have told
us h adance to make rog'ular payments out of your account, you can stop
any of these pay( ehis HiSm's her Call us at (6C?0) 237 MS (Nationwide)
or (717) 234-8464 (Hcarrnburg) or ? 0f u5 Peimsylvania State Employees
Cow Union RD. Box 6M13, H'afrisburq, PA. 1710G•7013, in Intie for us 10
rocen you mques+ War; busiress days or may before Me payment is
scheduled to bi, made I ,o T calf. we may also require you to put >'our (:quest
,n wrmg WA got "o us within 1 "a" r_lter you cal'.
Noflce of Varying Amounts. If tK cse regular payments may vary in amount,
the person you are going to pay wid let) you, W days beafam each: payment,
when it will be made and how much it v+ill be You may choose +nsmaJ tea got
1:is ?ac3 onl; ,vher. r,0a:b drLc.r by iro(F Ina^ a cc ain amount
,.. s quy: .no W "en we i.,.n't %wiud 121 oulsW' cell in,,
you set.
• Liability for Failure to Stop Payment of Prenuthorized 17ansfers. It you
order us to SW Q r of 'here pay- ems v r.t L.:!"oss days or more. boles
,••i; Ib a ,to -.e_ co uri do _o V.r, '::ill lie I.a!)le: _r your losses
fl:.r'".i'.S, i.. ss we m rc..:I :3:' j oci n'-,. ego ve r,,tten c)n!innia":on of all
-.,ins yr pint*. .Mi •1pS. td ,h, lr „ski 69-:..5 p1me Ayr " Aq,
a n,...I r ..rc, _ on • . !t; ., lJ':; er Able ,,, to u :ace I.ne sl,)p.
- fl 1 r- '.-1rj.'
9. SUMMARY OF THE IINANCIAL INSTITUTIONS FAILURE TO MAKE OR
STOP CERTAIN TRANSFERS -i
ATIA - ;51c, an _ a _ -. ac,C :i e ru r' To cor•._Ct
Jq? 14. AMC r: r r 'r L ; Arjj? t ea'r'.., .,
'.s M01 , 11 .: . I o we .: .. _ .f wary ,rids j -J am m" f I')
1:. a . ,ult.', !(I.. t. ., .. u.,_vunl nW Uq,NA ,t-d. ..,_
;1 r r ...r, is r_ i my ..-•ir m t .,. On norz
i am J r'..,ne wwr'e' ca-_;]
.. .., tr,_ ._ ..,1 ;te.-. y,:
_C_ _ many, b• ., t lairsaV,on oclusioad is
Electronic_ FUn CS Trans(er,_ATJ?I.,.ggreemen. t and !-regulation 'E" Disclos!
(continued) -
cerr_r,.. a .r s _ ,r AT!'! CARD
ACH and SST - k PSE _ s r ^,14:c a Ira.nS..ction n Gee ;r. t-
. _^rou , nr a, Pr ter, uc'. t,r YOU PSECI' w-t 2 liabie .
'a a: oa 'ao _ our cra ., L?, e r urf rent 1:unds ;o y_
r.1.3 ( tr F f 7 ^Ur r ?nr
c^C., .c.,_c. f. 'I e Lurid are , I.''.e ;ra nsac!:on
-Q e_1 Would exceed Inc tuna; a -Dam ec n! of:,s acv a?ala :e o:'erdra
.-ed.- f5; PS CU has -eason t 'he :ransacror •egcasted
unau'7or,.ed t6; t:?e fa:i„re ::as caused I,% an act of God- fire, or o:hr,
atus;roch.e. o rt, aroti . cau8e teyo:-•d crrtro; in anv case. PSECU _r
`acIe Only for actual Ero•:en a. .7 ^o' conseque„tid' dam ce5 if rocs taiiur
,o make me t.ans..ct:or resu;ted f'on, a bona fide error note PSECU
,,rocedures tc a'?ciid such errors.
10. DISCLOSURE TO THIRD PARTIES -
• ATM, ACH and SST- PSECU sc.c.:e r G rm<.[inn abou! your a,;iounT t
third parties 11 when it ,s necessary complete tr r, r.,.cns (2) t; v rd
the existence and standing of your accc,drtt with PSECU upon reque_, of I .r
party, sect' as a creuit bureau: (3) !o cnr y vJlh clove rnmenl agency er co-,r
orders, 14) in accordance whir ye_u _4cte.n perr,3ission, 151 to comply w 1n
roverrrnent Cr ad,minis-.L'i%e agrnCb SJn:min Se S. SubG^•'na5. Cr cC•Ur
order, (67 on receipt O ?ef', LCariO' fr:,:nl a Federal Agva nr, or depart:n,
trial Z re, -jest for infor mc.u;r is in r I
p t h .,r i o Firaric:a
Privacy A:• of 978. Regulation P P,,! ac, of Coon->amer Pinancia Int„•ma,
and (7) when is necessary to take era;' aCbor, to re wer shari-s
11. STAR SYSTEMS SERVICES -
• ATM Only -You may use your ATfA CARD .viol your Perc>nal IdFUntif;cat:an
Number (PIN) at STAR SYSTEf is rated ir, Dela:vare is .nfland, potty,
Jersey and Pennsylvania to conduct anj' of ihr tu?llou;ng 1-risaci o ,: for the
accounts accessed by your A,TM CAR1u.
a) Determine the account ba!ance[s) of your Checking your :9egte,ar
Shares, and your Personal Service Loan IPSLi,
D) Withdraw cash from your Checking rani? your Regular Shares.
c) slake a cash advance from your Per.sornal Service Loan (PSL).
d) Deposit currency, checks, or drafts (coins are np1 acceptable) for
transnussion to PS-ECU for delii in Your Checking and your Regular
Shares.
NOTE; There are irn,ted locations in flan ? r ? ,for de esit. ma? he .na r:
We Wish lc infornn }r, that son e. ATfA, tecatea jr, t ,Use a ct• n a', ',;V rC'.tde
access to )four Checking. your R*atiia Shares and yelp, ;personal Service Leda.
Not All ATMs may accept deposits. T?ier •nav be f;mrt; on en-oun! Of
funds 'which you may depos.t it,, certar) ATf,1G
12. PLUS SYSTEM` SERVICES -
• ATM Only -You may use your ATM CARD c nth ,our P a' identhcat,?n
Number (PIN) at e y PLUS SYSTEM ome r ,elle,, n rt)ine]
(PLUS SYSTEM ATIvf; lo=cated shrough ut the 'tripod S , eS. Pu ;" R.rn
Canada, Great Britain and Japan. to candid any of the f3iaov i ;g tra isac'. ors cn
the accounts accessed by your Amt CARD
a) Deter.-nine (he account halanr ersS of your cn r,,: y r•o . r gu ar
Shares, art! your Personal Service Loan iPSL).
D) Withdra'•v cash from your Checking car>d your Regular Snares
?'. o) Ma.-,e a cash a fta&rce from yo-,,r ,,; al Service Lean (PSLi
NOTE: Deposits are not available It'rou h PLUS SYSTEM ATMs.
Those are rr-e. STAR SYSTEf I_ service curr',n I, a.a.ablr thro,.gh F-US
SYSTEM network'. Other services may be offered it the fulurP
13. OTHER ATM NETWORK ACCESS -
• ATM Only._ Flom Sine rte, PSE n ,
", , a rte -t• ti , -:fyr
ATV nev oats to grant cct3S5 %C ATM 1 AI3D,3. f 1 C i_' a j r _., .. n
such arra rigciinerl:c ,are m,ads r c dC . i:)e !Pt t.
you Any ;ra•,es also ni? ccSc,4!o_
14. PURCHASE TRANSACTIONS -
• ATM Only U M.1? use AL",t C tC! : n
L.rchase ! .31 ar et .Mrs t .rr „ .. r,. , e
ac`cpte;". b such fvlerzha- T f
:1e7u?feJ `nor*: VCt. h }C:,;r t : ,7f r , r „, cr a r :ii t.'
CARD, if I,e
such
15. LIMITATIONS ON THE USE OF YOUR ATM CARD --
ATM Only _
re edsce ; .s call . ^A a an,, fi n= 'n the e':_ t ;r-a,[ your da+1? Imt :s.
es 3560 PSECv y -'1 a ",e ;o of :e r-Lvi ilal:on. Tne day for
.,.. d-a:'a! limits ;tar!, at j.-2 rtn mc.f each day and ends at 12 r-enig of the
next cl_i For security purposes, there are also cerrain da'ly, 'im;+a!;ons on the
f-?.,ue^cv of use of tne'ATM CARD. However, tt,ese lirnrtatic^s are not
e !-vc ei for sect;rify reasons. The Pennsyj an,r2 S'a:e E_mpicyees Cred+t
Uon is nc( obliged to rn ntarn sucr, lim;tatinns.
Jl w T e denied use 6f
your ATf, CARD if you exceed the ea.ly I
!•a„aPburchas irir if nu do not have adequa`e funds ava vac! in your
account, do no enter tf-e correc' Persona: i.enffic_alicn Num er (P!N), or
it exceed rho frequency of t: sage limitation. The r'ece,of provided by the STAR
s SYST?t,15 or PLUS SYS E''. AT`. or Morchar! terrrira'. will notif- you of the
=` den: =!. T ere is a tirnit on thb number of such den:a's pernaled. ;.ttemNtS to,
a;l excecff t e limit will ~.suit it ?71ac:hnr, agent:cn -_f our ATti" CA I)
The n:.rnher
e .;` at:e hots that resultit, machine -elertior is not revea'ed for securty purposes.
16. ERROR RESOLUTION PROCEDURES -
• ATM, ACH and SST - in case of errors or questions about your ir%nsaciionsi
Dire-,' i^q rtes to PSECUIat 'P00) 237-7326 Nairon de, TDD (8001 472-
1u7 Nationwide, (717) !, 2100?in Harrisburg, or write PSECU a!
y Pernsy?an,a State En•I,I,tee, Credit Union, PO. Box 57013, Harrisburg. PA
7 06-7013, as soon as You can if you think your staterrnent or receipt is ,
r;'nng or if you need more information about a tray action listed on the
Stalemert or receipt. PSECU must hear from you no later than 60 drays after
t it sent ? the first state 'rt on which the problems or err _;r "' ,grad. You
t must I„r>v de the fohowing informal on: (a', Your nacre, acco.int number and
-
ATIA CARD nun.ber if a ATM transaction), or reference number (if Set"
Service Te4ephone Transracritor), (b) De,cribe the error cr the- fransacf'ron You iI
are unsure aooul, and explain as clearly as you Can why you believe ii is an I
error or why you, nt;ed they information, and, (cl The dollar amount of the I
suspected error. i
If you lea PSECU ora;ly, yyou anus: send yruur comp!ain! or qtu=scion in '.writing
within 10 bushes, days. PSECU wilt tell you the results of t^'te irrvc'stlgation !
rt'nr, 10 business days for STAR SYSTEIAS. PLUS S'YSTEN1. SELF-SEF?VICE
TELEPHONE, or DIRECT DEBl:7Cf`iEDfT TRANSACTIONS, or 2r) day, for
STAR SYSTEMS purchase transactions. 11 vie need more time, however, wee may j
take up to 45 days for STAR! SYSTEMS, PLUS SYSTEM, SELF-SERVICE
TELEPHONE, or DIRECT DEBIT/CREDIT TRANSACTIONS or 90 days inn
STAR SYSTEMS purchase transactions. it PSECU decides to do t1 is, it v ifl
recredit your account within 10 business days for lire amount youltnink is in error '.
if it is a STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE TElEPli or
DIRECT DEBIT/CREDIT transaction, or 20 business days it it is a STAR i
S (STcGtS purchase transaulron. You ,dl h-ve the use of the mcnev during the
time it tf r:S to complete th investigation. It PSECU does hat recF t"•' Your
r or nFlaint or question in v riling within 10 business days, PSECU may not I
recre.lis your account. !f PSECU derides there is no error you 011 be?a advised
? ithin three business days aftorit!te it estigulion is completed. You m a.y <ask lcr
c0c o! the document; P` GU usefj in the , rive, irgaton. if PSECI_ credits
?ou account white i n esf g 3ttr a: you ;rust repay those funds if r?SECU
concludes no error has occurre(i
i 17. ATM SURCHARGE - 11 you use an AFM that is not operated by us, yr:?r rr:tay be
charged a feet' by the ATM orm ator!iand by any national, regional erfOcal: reetwork
Used in processing the tra':3ac Ion i(and you may be charged a feefor ra blance
Ines r ` yen 4 you do not cornplotEe a land Iraps!r r). The ATM surcharC f •viil be
debifec fr'uT• your account if you elctt to complete the ransac6orn
Notice To Consumers Using ATMs
i
Be alert to your urround-ng,.ilt you doubt the ,rely e a partcvlar nciuat!on.
c o. e another ATNIi
- t 1 = A"r fA r as an envy door, ciiese 1.ner door prior to inirar.ng your ri.-?icbon_
• PJI }'Our Cal h 3way iinni:,rJ1r'iY.
D e cor.plaints concerning A KI security +.:) an appropriate dep i r3: ri-,lent of
o cnvner of the ATM Nc : rsey re :ce,n!s. you may call the tJr '•^' Jersey
D_p ? t of Banking r (6099 292'7272.
For those members who purchase a Vehicle und- +' the
DR1V Program, please review the following FTCMot i c-e:
OTI OE
ANY HOLDER OF THIS CbNSUTAER CREDIT CCNTF?ACT
IS SUBJECT TO ALL CLAIMS AND DEFENSES W H ICH
THE DEBTOR COULD ASSERT AGAINSTTHE SEILE R OF
GOODS OR SERVICES OBTAINED WITH THE PROD EEDS
HEREOF. RECOVERY HEREUNDER BY THE if=E3 TOR
SHALL NOT EXCEED Atv1bUNTS PAID BY THE g=EB TOR
HEREUNDER.
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Exhibit C
PSECO
October 2, 2008
ERIC COY
APT B
10 FRONT ST
SHIREMANSTOWNi FA 17011
Dear MR. COY:
We are terminating your PSLNISA line of credit because of a delinquent loan obligation
Additionally, your other services with PSECU have been terminated.'
Your VISA and Check cards are invalid and will be retained if used after October 1,
2008.
We will not honor checks after September 30, 2008.
If you have any concerns or questions, call 800.23 7.7328 nationwide or 717.234.8484 in
Harrisburg. At the menu prompt, enter 6 then ext. 3118.
Sincerely,
Cheryl Kelly
Service Advisor
Member Services
Pennsylvania Slate Employees Credit Union
Main Address: 1 Credit Union Place, Harrisburg, PA 17110-2990 - 717.234.8484 • 800.237.7328
t? Mailing Address: P.O. Box 67013, Harrisburg, PA 17106-7_01_3: 717.777.2100 (TDD) - 800.472.1967 (TDD) _
This credit union is federally insured by the National Credit Union Administration. Equal Opportunity Lender www.psecu.com
A NJ] N E D)
PSEC*i
ERIC W and LISA R COY
10 FRONT ST, APT B
SHIREMANSTOWN, PA 17011-6360
Dear ERIC W and LISA R COY:
11/28/2008 J„ ( 3
(p
q
PSECU has made several attempts to contact you and to negotiate suitable payment arrangements. 'We
received no response. Your PSL is 6 MONTHS past due!
This is your final notice. Unless we receive the payment amount of $720.00 by December 13, 2008, we
may refer your account to our Legal Review Committee.
If this occurs, a judgment may be entered and executed against you. All court costs and fees will be added
to your loan balance. If we do not take legal action and payments are not received, we will charge off your
account. You will still be responsible for the balance. [neither case, your status will be reported to all
national credit bureaus.
This is a serious situation that requires your immediate attention
If you cannot make the full payment, we are willing to negotiate a reasonable payment schedule that fits
your needs. Call me today to see if we can resolve this situation.
I can be reached at 234-8484 in Harrisburg or call our toll-free number, (800) 237-7328. At the menu
prompt, enter 6 then extension 3123. We are open from 8 a.m. to 5 p.m. Monday through Friday and 8 a.m,
to noon on Saturday.
Sincerely,
r
Che elly
Ace nt Advisor
A
PennzVivanlct SIM-- Era loyees Credit UrQon
Main Address: 1 Credit Union Place, Harrisburg, PA 17110-2990 • 717.234.8484 • 800.237.7328
Mailing Address: P.O. Box 67013, Harrisburg, PA 17106-7013 • 717.777.2100 (TDD) 800.472.1967 (TDD)
pactu.com
This credit union is federally insured by the Nosonal Credit Un:on Administration. Equal Oppo
r!unity tender
PSECO COTT
02/02/2009 O ML, 06) 3
ERIC W COY
10 FRONT ST, APT B
SHIREMANSTOWN, PA 17011-6360
Dear ERIC W COY:
On 01/27/2009 your Personal Service Loan was charged off for $4,451.75. Youl are still responsible for
repayment of this entire debt.
Because interest stopped accreting, 1148 allows its to accept payment arrangemenis suitable to your
present financial situation.
As your Account Advisor I will assist you with questions and concerns. I will work with you to help you
get back on track with us. This will give you the opportunity to become eligible for our member services.
Please call me at 234-8484 in Harrisbura or call our toll -free number (800) 237-7328. At the menu
rp ompt press 6 then ext. 3119.
Sincerely,
Michelle Hess
Account Advisor
enc.
Pennsy;vania Wale Employees Cres113 L47ncon
Main Address: 1 Credit Union Place, Harrisburg, PA 171 ICI-2990 • 717.234.8484 • 800.237.7328
Mailing Address: P.O. Box 67013, Harrisburg, PA 17106-7013 • 717.777.2100 (TDD) • 800.472.1967 (TDD)
psaru.com
This credit onion is federally insured by Ine Ncfionai''Creoif Union A.dministrafion. Equal OpporluOy bander
I Dl?__)
_,_,PSEC#
03/30/2009
ERIC W COY v f
10 FRONT ST, APT B
SHIREMANSTOWN, PA 17011-6360
9 Z U001,3
Dear ERIC W COY:
We have tried several times to contact you concerning your Charged OffPSL Loan. This account still has
an outstanding balance of $4,451.75.
We have continually expressed our willingness to work with you. When your balance is paid in full, we
will report it to the credit reporting agencies as a paid charge off. And, you will be eligible to apply for our
member services.
Should you continue to ignore your obligation to pay this debt, I will have no alternative but to
submit your account for Manager Review. This may result in your account being sent to a collection
agency or legal action taken. Should any of these options be necessary, you will be responsible for alt
cost and fees Incurred.
Please call me at 234-8484 in Harrisburg or call our toll-free number (800)-237-7328. At the menu prompt,
press 6, then ext. 3119.
Sincerely,
Jamie Sommers
Account Advisor
Pennsylvania Stole Employees Credit Union
Main Address: 1 Credit Union Place, Horrisburrd, PA 17110-2990 • 717.234.8484 • 800.23'7.7328
n _ _ M_ailinq Address: P.O. Box 67013, Harrisburg, PA 17106-7013 • 717.777.2;00 (fDD? • 800.472u1967' fTODJ
This credit union is !ederagginsured by the National Credit Union Admin erralion Equa! Oppodunity Lender mvw,psEeU.com '
E p
PSECO
ERIC W M
10 FROITT ST, APT B
SHIREMANSTOWN, PA 17011-6360
Dear ERIC W COY,
04/23/2009
Sent via certified & regular mail
certified Rcpt # 5571
Co pl?
i q7U0 9b13
SETTLE YOUR CREDIT UNION DEBT AND GET A 10% DISCOUNT!!
As a Credit Union, we recognize that unexpected occurrences can sometimes result in difficulty meeting financial
0
obligations. PSECU would like to help you with fulfilling your outstanding obligation with a one-time opportunity to satisfy
your severely delinquent PSECU Charged Off PSL Loan by establishing a monthly payment agreement.
We can help if you are willing to work with us; however, a decision must be made now as we are on the verge of pursuing
legal remedies to collect your debt.
To assist with your decision, I would like to describe two scenarios:
Allowing us to work with you:
4:4 We will reduce your current Charged Off PSL Loan balance from 4,451.75 to 4,006.58.
d4 We will stop all interest and late fees from further increasing your obligation.
4-We will work with you to establish a reasonable monthly payment.
-.1-Your credit report, which now reflects a charged-off account, will show you have resumed making payments.
:•This is a one-time offer which is good for 14 days from the date of this letter.
If you fail to consistently make the established monthly payment, this agreement will be immediately voided and the
loan will be turned over to our attorney for legal action.
Ignoring this letter and doing nothing could result in the following:
We will forward your file to our attorney or third-party collection agency following 14 days of this letter:
:4 Collection costs of 20% plus additional court costs will be added to your outstanding', Charged Off PSL Loan
balance resulting in an increased outstanding obligation.
-Our attorney will file a judgment against you in Civil Court for the increased amount,.
4-Your appearance in court will be requested.
•3A Lion will be placed on your personal property and be reflected an your credit report for up to 20 years making it
more difficult to obtain credit in the future including buying a vehicle and buying or selling a house.
4.-Any co-applicant on this loan will be negatively impacted in the same way.
•: Your account could be referred to a third-party collection agency for additional collection efforts.
This choice is clearly, up to you. Please call me, toll free, at 1-800-237-7328, or locally at 717234-8484, extension 3119, to
take advantage of this one-time offer.
Sincerely,
Jamie Sommers
Collector
Member Services
cc:
Pennsylvania State Employees Credit Union I
Main Address: 1 Credif Union Place, Harrisburg, PA 17110-2990 • 717.234.8484 • 800.237.7328
__ Moi(inq Address: PO. Box 67013, Harrisburg PA 17106-7013 _ 717.777.2100 (TDD) - 8_00.472.196:7 (fD_D)
This credit union is federally insured by tho National Credit Union Administration. Equa' Oppor'unity Lender www.pseru.com
® ^ PENNSYLVANIA STATE
EMPLOYEES CREDIT UNION
P.O. Box 67013
Harrisburg, PA 17106-7013
ADDRESS SERVICE REQUESTED
nlq? ??gl?i3
VIII!!IIIII?IIIIIIIII??YIIIiNIIIIIB;
7005 1820 0007 4181 5571'
Zr'' -3 IF H2 55 15 0
2009
t +/J't 114!
ERIC W COY N lXlt= 176 SE: 1 S4 06,110/09 ?
10 FRONT ST, APT B RETURN TO SENDER
SHIREMANSTOWN, PA 17011-6360 UNCt.Axmmo 1
UNAE3..E TO FORWARD
E•3G: ;l'T:1C)B7?D1'3J,? ?0?,?,<3-p?;?'?17--2S-?O
?••;:i?t-', ?„ "???'? ,?O' ?r?t???Ila?ttil111tatr??IS?ttt;l?tltltt??tt??ttta??tt?ja???ttt{
Ln
Ln .
r-a `
Postage J VlOr1
r- tti?
E::3 Certified Foe 0 Po tfa;p?
0 W
M Return Recelpt Fee e
(Endorsement Required) t (??
\b
Cr1.1 Restricted ueltvery Fee
? (Endorsoment Required)
r-l Total Postage & Fees s 5 .3
sent To ERIC W COY
o
'siresFApiNd.;' 10 FRONT ST, APT B
or Po Box No. SHIREMANSTOWN, PA 17011-6360
?lry's'reia; zip. a
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
??ttr of climb
rrr
Jody S Smith D
?
'
Chief Deputy
Richard W Stewart _j
Solicitor OFFiCE'";F THE `1,=-R1rF
7-
Pennsylvania State Employees Credit Union
Case Number'
vs.
2010-7072
Eric W. Coy
SHERIFF'S RETURN OF SERVICE
11/12/2010 09:10 PM - Timothy Black, Deputy Sheriff, who being duly sworn according to law, states that on
November 12, 2010 at 2110 hours, he served a true copy of the within Complaint and Notice, upon the
within named defendant, to wit: Eric W. Coy, by making known unto Lisa Coy, Wife of defendant at 102
Easterly Drive, Mechanicsburg, Cumberland County, Pennsylvania 17050 its contents and at the same
time handing to her personally the said true and correct copy of the same.
SHERIFF COST: $37.00
November 16, 2010
TIM BLACK DEPUTY
SO ANSWERS,
RON R ANDERSON, SHERIFF
(CJ CountySuite Sheriff, TeleosoR, inc-
FILED-OFFICE
_
G IF t"} 1 f A ? r^w r`
2011 JAN 19 Pil 3: r'"
CL!MBERL a
P E III N, S'*
No. 10-7072
BARLEY SNYDER LLC
Shawn M. Long, Esquire
Court I.D. No. 83774
126 East King Street
Lancaster, PA 17602 Attorneys for Plaintiff
717.299.5201 Pennsylvania State Employees Credit Union
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
ERIC W. COY,
V.
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
No. 10-7072
PRAECIPE FOR JUDGMENT
Enter Judgment in favor of Plaintiff,' Pennsylvania State Employees Credit Union and
against Defendant, Eric W. Coy, for want of an answer in the amount of $24,491.76 plus costs of
suit.
(X) I certify that the foregoing assessment of damages is for specified amounts alleged to
be due in the complaint and is calculable as a sum certain from the complaint.
( ) Pursuant to Pa. R.C.P. 237 (notice of praecipe for final judgment or decree), I certify
that a copy of this praecipe has been mailed to each other party who has appeared in the action or
to his/her Attorney of Record.
(X) Pursuant to Pa. R.C.P. 237.1, I certify that written notice of the intention to file this
praecipe was mailed or delivered to the party against whom judgment is to be entered and to
*14.00 PO KnY
e 02639aq
3102381 o, jom
No. 10-7072
his/her Attorney of Record, if any, after the default occurred and at least ten days prior to the
date of the filing of this praecipe and a copy of the notice is attached.
BARLEY SN ER?,L
'Z
Date: By:
Shawn M. Long,
Court I.D. No 8:
4
Attorneys for PXaintiff,
Pennsylvania State Employees Credit Union
126 East King Street
Lancaster, PA 17602
717.299.5201
NOW, 2011 JUDGMENT IS ENTERED AS ABOVE.
Prothonotary/Clerk, Civil Division
By: 2 '1 e,"11
Deputy
3102381
No. 10-7072
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.
ERIC W. COY,
Defendant
COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION - LAW
No. 10-7072
To: Eric W. Coy
102 Easterly Drive
Mechanicsburg, PA 17050
Date of Notice: December 14, 2010
IMPORTANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE
COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST
YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE,
A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU
MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE
THIS PAPER TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR
30862221
No. 10-7072
TELEPHONE THE FOLLOWING OFFICE SET FORTH BELOW. THIS OFFICE CAN
PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County Lawyer Referral Service
32 South Bedford Street
Carlisle, PA 17013
800.999.9108
BARLEY SNYDER LLC
A'A
By: --77 (-? I
Shaw . Long, Esquire
Troy . Rider, Esquire
Court I.D. No. 83774; 206319
Attorneys for Plaintiff,
Pennsylvania State Employees Credit Union
126 East King Street
Lancaster, PA 17603
717.299.5201
30862221
No. 10-7072
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.
ERIC W. COY,
Defendant
COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION - LAW
No. 10-7072
PROOF OF SERVICE
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF LANCASTER
: ss.
Colleen Brelje, Paralegal, being sworn according to law, deposes and says that she served
a true and correct copy of the 10-day Default Notice upon Eric W. Coy, 102 Easterly Drive,
Mechanicsburg, PA 17050 by regular mail on December 14, 2010 at 5:00 p.m.
Sworn to and subscribed before me
this %*ktay of Decembar'-?
"iaouoegi 2-0?I
_ DA a,?--d
Notary Public
BARLEY SNYDER LLC
By: ? 0?&' &kt'2
Colleen Brelje, Paralegal
126 East King Street
Lancaster, PA 17602
717.299.5201
COMMONWEALTH OF PENNSYLVANIA
--n al seal
Lisa DeSaw, Notary Public
Qty of PASO% 00ft CM*
3086222 1 My Comm165Wn Eons May 12, 2014
Member. PennsAvanla Awdatlon of Notaries
No. 10-7072
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY
OFFICE OF THE PROTHONOTARY
CARLISLE, PA
TO: Eric W. Coy,
Defendant
YOU ARE HEREBY NOTIFIED that Pennsylvania State Employees Credit Union has
caused a judgment by default to be entered against you with the Prothonotary of Cumberland
County. The judgment was entered on / / to No. 10-7072 with the
Court of Common Pleas of Cumberland County - Civil Division. The judgment is in the amount
of $24,491.76 plus costs of suit.
PROTHONOTARY
By: /
D lerk
3102381
No. 10-7072
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,
Plaintif
ERIC W. COY,
V.
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
No. 10-7072
Defendant
AFFIDAVIT THAT THE DEFENDANT IS NOT IN THE
MILITARY SERVICE, PURSUANT TO "SOLDIERS
AND SAILORS" CIVIL RELIEF ACT OF 1918, RE-ENACTED 1940
The undersigned, Shawn M. Long, Esquire, doth depose and say that Eric W. Coy,
Defendant is not in the military service of the United States of America, based on the following
facts: Age of Defendant is unknown; present place of employment is unknown; present place of
residence is: 102 Easterly Drive, Mechanicsburg, PA 17050 as of the date of this affidavit.
ADDITIONAL FACTS, if any.
The statements set forth in this affidavit are made subject to the penalties of 18 Pa. C.S.,
§4904, relating to unsworn falsification to authorities.
BARLEY S>?YDEWLLC
By:
Shawn M. Long, E i
Attorneys for Pla' tif',
Court I.D. No. 8 774
126 E. King Street
Lancaster, PA 17602
717.299.5201
3102381