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HomeMy WebLinkAbout10-7416F1LED-QFFICE OF THE PROTHON{1TARY BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 2010 DEC -1 PM 12~ 25 CUMBERLAND COUNTY PENMSYLVAN! A Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff v. BRYON P. MURPHY, Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW No. I~ - 7 ulll G"~V~ 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 maybe 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. 3052378_1 ~ Z GH I~G~~ ~~ ~~ ~y y ~1~.lt' N a S U~ ~C~# ~ s l ~9l/ 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 3052378_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 Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff v. BRYON P. MURPHY, Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW No. AVISO PARR 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 cualquier dinero demandado en la queja o para cualquier otra demanda o relevacion pedida por Plaintiff(s). Usted puede perder el dinero o la caracteristica u otra endereza importante a usted. 3052378_1 LISTED DEBE LLEVAR ESTE PAPEL SU ABOGADO INMEDIATAMENTE. SI LISTED NO TIENE Un ABOGADO, VAYA A O LLAME POR TELEFONO La OFICINA DISPUESTA ABAJO. ESTA OFICINA PUEDE PROVEER De LISTED La INFORMACION SOBRE EMPLEAR A un ABOGADO. SI USTED NO PUEDE PERMITIRSE AL HIRE A un ABOGADO, ESTA OFICINA PUEDE PODER PROVEER DE LISTED LA INFORMACION SOBRE LAS AGENCIAS QUE LOS SERVICIOS JURIDICOS de la OFERTA de MAYO A LAS PERSONAS ELEGIBLES EN Un HONORARIO REDUCIDO O NINGLIN HONORARIO. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 (717) 249-3166 800-990-9108 3052378_1 BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff v. BRYON P. MURPHY, Defendant Attorneys for Plaintiff Pennsylvania State Employees Credit Union COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CNIL ACTION -LAW 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, Bryon P. Murphy, is an adult individual with a last known address of 1502 Bridge Street Apt. B, New Cumberland, Pennsylvania 17070-1183. 3. On or about May 1, 2008, Defendant applied for a Visa Loan with PSECU and on October 9, 2008 executed a Visa Activation Notice. A true and correct copy of the Visa Activation Notice is attached hereto as Exhibit "A" and incorporated by reference. 3052378_1 4. PSECU approved Defendant's application and opened an account ("Account I") in Defendant's name. 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 I"). A true and correct copy of Agreement I is attached hereto as Exhibit "B" and incorporated by reference. 6. Defendant is in default under Account I for failure to make payments when due. 7. Notices of default were sent to the Defendant: On November 3, 2009, November 16, 2009, and January 11, 2010. 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 $12,251.48, plus collection costs of twenty percent (20%) or $2,450.30, which totals $14,701.77 plus costs. 9. On or about April 8, 2008, Defendant entered into a PSECU Loanliner Advance Proceeds Voucher and Security Agreement and Loanliner Credit and Security Agreement and Loanliner Addendum ("Agreement II") with Plaintiff for the purchase of a 2009 Mitsubishi Lancer SDN, VIN #JA3AU86W89U001744 ("Vehicle I"). A true and correct copy of Agreement II is attached hereto as Exhibit "D" and incorporated herein by reference. 10. Plaintiff s perfected security interest in Vehicle I is evidenced by a Commonwealth of Pennsylvania Certificate of Title ("Title I"), a true and correct copy of which is attached hereto as Exhibit "E" and incorporated herein by reference. 3052378_i 2 11. Defendant defaulted under Agreement II by failing to pay the monthly payments when due and is currently due for the months of March 21, 2009 and thereafter. 12. Based on Defendant's default, Plaintiff repossessed Vehicle I on or about June 4, 2009. 13. By letter dated June 4, 2009, Plaintiff provided Defendant with a Notice of Repossession and Right to Redeem ("Notice I"), a true and correct copy of which is attached hereto as Exhibit "F" and incorporated herein by reference. 14. Defendant remains liable to Plaintiffunder Agreement II as follows: Principal $12,268.46 Collection/Attorneys' Fees 1,818.70 TOTAL $14,087.16 plus costs of suit. 15. On or about August 6, 2008, Defendant entered into a PSECU Loanliner Advance Proceeds Voucher and Security Agreement and Loanliner Credit and Security Agreement and Loanliner Addendum ("Agreement III") with Plaintiff for the purchase of a 2003 Ducati M620 MC, VIN #ZDMIRA2K13B031043 ("Vehicle II"). A true and correct copy of Agreement III is attached hereto as Exhibit "G" and incorporated herein by reference. 16. Plaintiffs perfected security interest in Vehicle II is evidenced by a Commonwealth of Pennsylvania Certificate of Title ("Title II"), a true and correct copy of which is attached hereto as Exhibit "H" and incorporated herein by reference. 17. Defendant defaulted under Agreement III by failing to pay the monthly payments when due and is currently due for the months of March 21, 2009 and thereafter. 3052378_1 3 18. Based on Defendant's default, Plaintiff repossessed Vehicle II on or about June 4, 2009. 19. By letter dated June 4, 2009, Plaintiff provided Defendant with a Notice of Repossession and Right to Redeem ("Notice II"), a true and correct copy of which is attached hereto as Exhibit "I" and incorporated herein by reference. 20. Defendant remains liable to Plaintiff under Agreement III in the amount of $2,346.13, plus costs of suit. 21. On or about September 17, 2008, Defendant applied for a Signature Loan and on September 17, 2008 executed a Signature Loan Activation Notice ("Signature Loan Activation Notice") with PSECU. A true and correct copy of the Signature Loan Activation Notice is attached hereto as Exhibit "J" and incorporated by reference. 22. PSECU approved Defendant's application and opened an account ("Account II") in Defendant's name. 23. Defendant received a disbursement on Account II subject to the terms and conditions of PSECU's Loanliner Credit and Security Agreement and Loanliner Addendum ("Agreement IV"). A true and correct copy of Agreement IV is attached hereto as Exhibit "K" and incorporated by reference. 24. Defendant is in default under Account II for failure to make payments when due. 25. Several notices of default were sent to Defendant: On November 3, 2009, November 16, 2009, and January 11, 2010. True and correct copies of the notices are attached hereto as Exhibit "L" and incorporated by reference. 3052378_1 4 26. The balance due and owing to PSECU from the Defendant on Account II is $10,492.53, plus collection costs of twenty percent (20%) or $2,098.50, which totals $12,591.03 plus costs. 27. PSECU has demanded payment from Defendant, but despite these demands, the Defendant has refused and continues to refuse to make payments. 28. 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, Bryon P. Murphy, in the amount of $43,726.09, and costs of suit. Date: _ ~1(~ J~ BARLEY SNYDER LLC By: Shawn M. Long, Es ire Court I.D. No. 837 4 Attorneys for Pla' tiff Pennsylvania S to Employees Credit Union 126 East Kind Street Lancaster, PA 17602 (717) 299-5201 3052378_1 VERIFICATION Pennsylvania State Employees Credit Union v. Bryon P. Murphy 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: a O10 Gregory R. Di fenderfer Complaint_PSECU_BRYOty P MURPHY _ visa and 2 Autos and signature EXHIBIT "A" ~X~~I ~ vlst~ca~:~crlvATlo:~ vo'rlcr; i~iET 4 9 ?~I~ L.o;ut Inl'nrnuttiou October 7, 2008 Ref# : 7~0i20 2~l7. --_--- Homc'I'elephate # : (717) 856-4631 ~Vork'1'elephone t; : (7l7) 2.34-3434 f\pplicanl:_13RY0\~ tbll~RPI[Y Approval fltnount::~12,000.00 1'or Internal Use Only: 01946<9458 [ acluiowledne receipt of the PSI:CC L0r1NLINERrJ Disclosure and Credit Agreetueul atttl agree to be boucul by the ter set lorlh in said agreement, `~ 9 Signa ~reo 13RY0,' ~ URPIIY Date * (would like an iuuucdiate Visa® advance of $ _ Purpose: S~u.l ~i ^ C[ieck, or ^ Deposit to my Share 4 • S,e~l/ct your Visa® loan repayment option. t~tt Transfer oai Pay Dory (select one): ~ Nlinirnum amount ^ Alternate payment amount of $__ _ ^ 'Cransfer automatically from PSECU account on the 25th of each month (select one): ^ Minimum amount ^ Alternate payment amount oFS _ _ ^ Previous month's balance ^ Mail a payment monthly by the 25th. • Por overdraft options, complete the enclosed overdraft Transfer Service sheet and return it with your Activation Notice. • You may have one additional card issued ou your Visa® account. Indicate your choice below: (~ Please issue an additional card in the mmc below. (authorize him/her to use it and I accept Qdl responsibility L'or alt charges and/or cash advances just as though t nmc[c them. Authorized card holders may not order replacement cards or obtain VISA®account information {i.e. detailed trnnsactians, balance inliumatiun, payment activity). BRYON MURPFIY must sign below. Nameot'Authorizcd Carrl Holder Signature of ©RYON MURPt(Y • Select your Personal Identification Number for your Visam card Select a P!N that is not easily identified with you, and write your PIN in the spaces provided.. PSECU does not keep your PIN on tile, we cannot produce n card without a A WrYou will need this P W to mako Dash advancac on your Visa tine ofcredit. Plu~sc do not use the letters Q or Z as part of your PIN, and do not use the foflou•iag conrbinai::ns ornuml~crs• 0000 through 00D9 or 99519, , • (:ax the flctivalion Notice l0 717-787-836Q or • Mail the Activation Notice to P.O. Box 67013, Attention: Consumer Servicing, Harrisburg, PA 17106-7013 VISA SIaRVICINO UNIT ~~'D OC1' 10 208 Completed By,,,~„y~ - -~C~kNIVED - PSE~'!'~~AN WORKSH~`T Date 5/1/2008 APPRG..,L OR DENIAL ~~ -- ... - r ;. ~ ,i .... , ' `_' ' Generar Reauested Loan Am Teller t~ _~ _ . ,_. ._.__._,.~ q ^.. ount. $12,000.00 '''~'~"` Vls~a~, Loan Type:~~;__ Loan !s: Referral App Id: 702816 Denial Rea:;orts (If Applicable) _. _ -- . _ _ --- '•~ ..: APPlrcanf ~rlformafron ; ;,. -- ~ -, _ , , . ~ . -- - -._. ...._ ,.. .....~ - ._- - a ., _ ,., ... ,,.. ~ Mertrber Narne: BRYON Ml1RPHY Member Account # 0194669458 \ Exlsfing PSLV LOC; $11,000.00 Exisfing Auto Loans: $34,419.99 Existing Sig~nafure Loans: $9,586.10 Existing Equity Loans: CrediSphere Scare: 172 Debt Ratio: 41 ___ ._ _ ~. __ .. ~ Loy E~~~~~~ ~ - -- - - ~ .. .., ..,. - _ .. , . '~ G '~' a 7 4C /.~' L , an Office_ r Srg_nafure: ~? rte!/ ,,lam-i r~ _ ,. ` ~ _ ~'~ R~ /~~` . 'I~~ni ._.. ~... .:.. ,. ,.... a,~ _ . , ~i. '~ Signature• `• </ Rec. Approval la1 L /./E, ~ ~2.g Signature ~ C C Rec. Approval Rec. Denla „ i~ Commen s: /~ ~,~1 /NvS~ RECor+ ,y~N~AI- ,DJG '~ D~TA.rOi~a ~/lGcT7e.~ ._! ,-~-ivi -~. r A/a,b e o _ ~ x{/ _ - -, „~ Approve o Den ~ ,4 .-.._. Date: , I • ~ ~j, ~ PaperAppllcafion .., Amount: $ _ Dental Reasons: ~~_ Check box for paper applications) Signatures: _ t,^ ~~ Commenfs: PSECUfnrni 3414 Rev 09/05 Credit Courmittec iYor•ltslieet ED Ti•TJL R`I'M u4`00020 MURPHY,i ON P 194-66-9458;CA-232 S 29TH ST, dRISBURG PA 17103;E-PSECU;PH-7178564634;RM-F;PARSED;VERIFY-Y2/RM;RR-BOTHl;V-07/492/176; M-CREDISPHERE 1001;OFAC;SSRV-ECNC;IPADDR-12.23.194 .34;SSOUSERID-PSECUCS; .Q-ECNC0202008050108585005CICSCSTGECDTC0000000 PAGE 1 DATE 5-01-2008 TIME 8:58:50 VA01 TNJL BRYON P MURPHY 232 S 29TH ST FARRISBURG PA 171031916 RPTD: 9-07 TO 10-07 U 11X LAST SUB: 67280].2 3601 N 3RD ST HARRISBURG PA 171101570 RPTD: 1-07 TO 2-07 U 2X 200 N TIMBER RIDGE DR HARRISBURG PA 171103949 RPTD: 2-05 U 4X BRIAN MURPHY SS: 194-66-9458 E: PSECU DOB: 01/18/82 RPTD: 3-03 TO 3-OB I E: PSECU - MSR II RPTD: 12-03 I PROFILE SUMMARY CNT 00/00/00/13 PUBLIC RECORDS-------0 PAST DUE AMT------$358 INQUIRIES--12 SATIS ACCTS--23 INST/OTH BAL---$25,565 SCH/EST PAY-------$944 INQS/6 MO---3 NOW DEL/DRG---1 R ESTATE BAL-------N/A R ESTATE PAX-------N/A TRADELINE--24 WAS DEL/DRG---O TOT REV BAL----$11,090 TOT REV AVAIL-------0~ PAID ACCT--17 OLD TRADE--7-01 ------------------------------- SCORE SUMMARY -------------___-_-------------- EXP/FAIR ISAAC RISK SCORE 2 = 626 SCORE FACTORS: 40 DEROGATORY PUBLIC RECORD OR COLLECTION FILED 10 RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH 14 LENGTH OF TIME ACCTS HAVE BEEN ESTABLISHED OS T00 MANY INQUIRIES LAST 12 MONTHS ----------------------------------- TRADES SUBSCRIBER OPEN AMT-TYP1 AMT-TYP2 ACCTCOND PYMT STATUS SUB# KOB TYP TRM ECOA BALDATE BALANCE PYMT LEVEL MOS REV PYMT HISTORY ACCOUNT # LAST PD MONTH PAY PAST DUE MAXIMUM BY MONTH PALISADES COLLECTION L 4-06 $358-0 COLLACCT 1983922 YC FCO 1 1 4-21-08 $358 4-06 5} GGGGGGGGGG--- PAI'lATT6045286805 $358 -GG--------G ORIGINAL CREDITOR: AT T WIRELESS P S E C U 9-07 $11,500-0 PAID CURR ACCT 6728012 FC AUT 36-B 1 2-OZ-08 2-08 ( 5} BCCCC 1946694580108 1-08 +++++ MORE TNJL RTM 6700020 MURPHY,BRYON P 194-66-9458; CA-232 S 29TH ST/HARRISBURG PA PAGE 2 DATE 5-01-2008 TIME 8:58:50 VA01 TNJL SUBSCRIBER OPEN AMT-TYP1 AMT-TYP2 ACCTCOND PYMT STATUS SUB# KOB TYP TRM ECOA BALDATE BALANCE PYMT LEVEL MOS REV PYMT HISTORY 4R ~`r;_. ACCOUN'P nu..~ LA. PD MONTH PAY PAST DUli MAXIM BY h10NTH ~ ''K;' P S ~ C U 9-07 $20, 000•-0 PAID CURR ACCT ,0'728012 FC UNS 59-B 1 2-01-08 2-OB ( 5) BCCCC 1946694580206 1-08 P S E C U 7-07 $4,571-0 PAID CURR ACCT S:'': 6728012 FC AUT 24-B 1 11-01-07 11-07 ( 4) BCCC 1946694580107 10-07 P S E C U 11-05 $15,466-0 PAID CURR ACCT 6728012 FC AUT 54-B 1 10-01-07 10-07 (23) BCCCCCCCCCCCC :1946694580104 9-07 CCCCCCCCCC P S E C U 3-07 $10,000-0 PAID CURR ACCT 6728012 FC UNS 59-B 1 10-01-07 10-07 ( 7) BCCCCCC 1946694580205 9-07 P S E C U 5-06 $5,406-0 PAID CURB ACCT 6728012 FC AUT 36-B 1 8-01-07 8-07 (15} BCCCCCCCCCCCC 1946694580106 7-07 CC P S E C U 3-06 $10,000-0 PAID CURR ACCT 6728012 FC UNS 59-B 1 4-01-07 4-07 (13) BCCCCCCCCCCCC 1946694580204 3-07 P S E C U 3-05 $10,000-0 PAID CURR ACCT 6728012 FC UNS 59-B 1 4-01-06 4-06 (13) BCCCCCCCCCCCC 1946694580203 3-06 P S E C U 10-03 $20,260-0 •PAID CURR ACCT 6728012 FC AUT 84-B 1 12-01-05 12-OS (26) BCCCCCCCCCCCC 1946694580103 11-05 CCCCCCCCC-•CC P S E C U 8-04 $5,000-0 PAID CURR ACCT 6728012 FC UNS 59-D 1 4-01-05 4-05 ( 8} BCCCCCCC 1946694580202 3-05 P S E C U 3-03 $5,000-0 PAID CURR ACCT 6728012 FC UNS 30-B 1 9-01-04 9-04 (18) BCCCCCC-•CCCCC 1946694580201 CCCCC +++++ MORE TNJL RTM 6700020 5= MURPHY,BRYON P ~.. 194-66-9458;CA -232 S 29TH ST/HARRISBURG PA PAGE 3 DATE 5-01-2008 TIME 8:58:50 VA01 TNJL SUBSCRIBER OPEN AMT-TYP1 AMT-TYP2 ACCTCOND PYMT STATUS SUB# KOB T'1P TRM ECOA BALDATE BALANCE PYMT LEVEL MOS REV PYMT HISTORY ACCOUNT # LAST PD MONTH PAY PAST DUE MAXIMUM BY MONTH P S E C U 3-03 $21,015-0 PAID CURR ACCT 6728012 FC AUT 60-B 1 11-01-03 11-03 ( 8) BCCCCCCC 1946694580102 P S E C U 11-01 $25,000-0 PAID CURR ACCT 6728012 FC AUT 84-B 2 4-01-03 4-03 (17) BCCCCCCCCCCCC 1946694580100 CCCC P S E C U 9-02 $3,000-0 PAID CURR ACCT 6728012 FC UNS 37 2 4-01-03 4-03 ( 7) BCCCCCC 1946694580200 P S E C U 3-02 UNK PAID CURR ACCT EQ 6728012 F~ AUT UNIC 1 5- 02 5-02 ( BO 1946694580101 P S E C U 1-02 $71-0 PAID CURR ACCT 6728012 FC UNS 73 2 4-01-02 4-02 ( 3) B00 1946694580001 P S E C U 5-06 UNK PAID 6728012 FC AUT UNK 1 6-01-06 0'-06 ( 1) B ~.k' 1946694580105 P S E C U 7-01 $11,0-0D-L $11,092-H OPEN CURR ACCT 6728012 P'C CRC REV 1 4-OZ-08 $11,090 4-08 (80) CCCCCCCCCCCCC 1946694580009 3-08 $221 CCCCCCCCCCCC P S E C U 10-07 $5,400-0 OPEN CURR- ACCT 6728012 FC AUT 36--B 1 4-01-08 $4,661 4-08 ( 6) CCCCCC ~ 1946694580109 3-OS $164 P S E C U 1-08 $10,000-0 OPEN CURR ACCT 6728012 FC UNS 58-B 1 4--01-08 $9,717 4-08 ( 3) CCC 1946694580207 3-OS $216 P S E C U 1-08 $11,355-0 OPEN- CURR ACCT 6728012 FC AUT 36-B 1 4-01-OS $10,829 4-08 ( 3) CCC 1946694580208_ 3-08 $343 -F++++ MORE ~ TNJL RTM 6700020 MURPHY,BRYON P 194-66-9458 ;CA-232 S 29TH ST/HARRISBURG PA ~ E-- - - , PAGE 4 DATE 5-01-2008 TIME 8:58:50 VA01 TNJL SUBSCRIBER OPEN AMT-TYP1 AMT-TYP2 ACCTCOND PYMT STATUS SUB# KOB TYP TRM ECOA BALDATE BALANCE PYMT LEVEL MOS REV PYMT HISTORY ACCOUNT # LAST PD MONTH PAY PAST DUE MAXIMUM BY MONTH P S E C U 3-OS UNK OPEN CURR ACCT 6728012 FC AUT UNK 1 4-O1-0B $0 4-OS ( 1) 0 ].946694580209 j7NK P S E C U 9-01 UNK OPEN CURR ACCT 6728012 FC AUT UNK 2 11-01--01 $0 11-01 ( 2) 00 1946694580100 ---------------. .. ..-- ------------- - INQUIRIES -- ---------- ---____ --- ------------- P S E C U 3-28-08 6700020 FC P S E C U 1-28-08 6700020 FC P S E C U 1-09-08 6700020 FC P S E C U 10-09-07 .6700020 FC P S E C U 9-17-07 6700020 FC P S E C U 9-05-07 6700020 FC P S E C U 7-09-07 6700020 FC_ P S E C U 7-OS-07 6700020 F'C P S E C U 3-06-07 6700020 FC DISCOVER FINANCIAL SER 11-16-06 1224590 BC P S E C U 4-25-06 6700020 FC P S E C U 4-17-06 6700020 FC ----------------- ----- -- - MESSAGES --- --- --------- -------- ---- REQUESTED PRODUCT OPTION NOT ALLOWED - - END -- EXPERTAN --------------- NNER ~lieiv:~kricfnii>r>:MURPE#1':>:ao2B1•s-:fleclii-oa:•:: 3:fsswed•::• .:•: ... , , A lication Received: 05lO1l2006•~ ~ ~ ~ ~ • Time Received: 09:58:46 ~~~ ~•~ ~ A lication ID: 702816 Branch: IMPORT -1 ~ •••• •••~ ~•~Refa~s%::; Source: 598 •r': Cross Ref #:::~:::~::~::~: ~::~::~::~::: Source of Repayment: :~•r. Secondary Source of Repayment: :•: ...; . Product: CC -Credit Card -Visa (1 J ~•~F ;., :R~ka~s:., Application Loan Type: Regular :~+: ~: Preapproval?: Title First Middle Last Suffix Name: .........:. BRYON.......... ~: ~:~::~: P .............~~::~::~::~::~::; MURPHY •::• :• :••: •. < Birth Date: 01118!1982::':: SSN: 194:66:9458:::' ~~::~:Li3elGi#s•R Total Number of People in Household: • • • • ::R::.t.:.t::R::A.:R:ii.: Citizenship: U.S. Citizen :Fw:~ Borrower Type: <Applicant :•`-: Spouse of Borrower:No ~F;r:;~ ...... .. .... Marital Status: ::~. Mother's Maiden Name: ~ CB PIN; ;;;;;;;;;;;;;;;;;;;;;;;;;;;; Email: BMURPH2333@YAHOO.COM~:~~ AKAlFKA:~ •~~•~~•~~• VIeW Archive 1 0/13/2010 1 1 •?Sam _ Paoe 1 of 0 Foreign Address:: A t / Bld I ' :.................... P 9 Unit '~'~~~~"~' ~'~'"" ~ Number Dir Street Name Dir Type Type Number s Standard :232 :;:: g ;~::~ 29TH • .:.:""~ tgT :•r-:; .~~' Rural Roule RoutelMilitary Type: Number: Box: ` PO Box ~ ........; ,..; .,..: PO Box: Counky: .. Line 2: City: HARRISBURG ~ State: pA ~~: Zip: 17103 -- 1916 ....................... ....... 0 Province: ..................... :; Country: ;:':: :`i : : ii; Postal Code::; :;:::•::•::•::•::•::•::•:: Phone: 717 856.4634:: Ext: 0 Residential Status: ~ rues w/ relative ;w:~ Time at Address: ~ yrs 0 mths (.....~ ............. ......... ;L Cellular: (717) 856;4634; Best Contact Phone: ~ •::~ Contact Method: t ;r:~ Fax: ~ Phone number verified.:::::: Address verified::•::::::•::::•:: (..1 ........:...:.:. ~:~ ...................: ~ ~:~ .........:... ~......, .:... ... Applicant's marling address is the same as the current address.:•::• Collect Previous Addresslnformation. ... Position::MBR 2 ::;;: ~:':UnemplStudentlHomemaker ............................................... _... ;:Active duty military member::•: Employer Name: PSECU ':: Phone: (717J 234.8484':: Ext: ........ ...... City: ~'; :: ': '` •; ''''' State: ::~~ Verification Phone: (] ' `"' '' `" ...... Borrower Code: ;Non-Employee Loan Time at Pres. Employer: 6'^':':','•. yrs ;11: mths ..................................... Amount: Pay Basis:. _ _ ~: Proof of rrrcome received.::: Salary:;Gross :~; :~::~::;:::34028.00 ?Annually ~:Employment.verified.:;:::;:: ............... ~..._....................... ~; Income verified.:;::::::: ~:::: ~: OTIBonuslComm: '::' ::::::::::::::::0.00 ;Annually :::r. ................................... . .................... Other Income::: ~:: ~:::~:::::::::::~:~ :Annually :,,~.~ Source::::•::•::•::•::•::•::•::•::•::•::•::•::•::::•::::•::•::::•::•::•: Alimony, child support & separate maintenance income need not be revealed if you do not wish to have it considered. ;Collect•Previous• E mployment• I nformation, View_Archive 10/13/2010 11:25am -Page 2 of 9 --------- Creditor ----------------------------- Account Number •-- y -----.. Pa ment ................ Balance ..~p. T e ..................... LastAct Dake ...... PO Estimated Pa ment 240 12000 R Housin 200 0 H Ad~ustment •222 0 A PALISADES COLLECTION L PALIATT6045286805 0 358 I 0412008 PSECU 1946694580009 221 11090 R 04!2008 PSECU 1946694580109 164 4661 I 0412008 PSECU 1946694580207 216 9717 I 04!2008 PSECU 1946694580208 343 10829 I 04f2008 :<:kidd::;>:< Sl Debt Ratio: '::;::33 LC Debk Ratio: ::;33 S1 Proj Debt Ratio: ::: 41; Original Application Factors used in Automated Decisioning _ Housing Pmt: :;: ;::;:::200.00 Other Expenses: ;'~.'~.;':':':~: Total Monthlypdj : ::::::::::::::'222 LC Proj Debt Ratio: ':;;41; Current Application Factors being utilized by Underwriter Housing Pmt: ;::;:;:;::200.00: T otal M onthly Adj::;:::;; ;:.222. Monthly Income Summary Gross Income: '::'::;:; ;2836: + O T 1B onus!Commission:~'~.'~.''~.:~''~.'~.;'~.'~.'~'~.':;'~.':;'~.'~.;'~.0'~. + Other Income:. ~:''~.'~.~~.'~.;.'~.'~;'~~:~;'~.:~''-.'-.''~.O'~. =Individual Total Income: '::':::; ;2836: Combinedlncome: ':x::'::::;:;;2836: ~~~?dit~ ~:' ~:~~~ ~:~'G~,e's?eleet:<: ~~ ~~1'3rise3e?cted` R Application Loan Pmt: :::::;:: :240: Total LC Pmts: '::'::::::;::;::944: Other Expenses: ;:: Application Loan Pmt: ':::': :;: :240: LC Proj Debt Ratio: ':;:;41; Total LC Pmts: ':x::::;:;::;::944: R alias Revolving Debt: Housing Debt: Total Revolving Line: ; 388 Payment to Income: ''~.'~.;'~.:~'.'~.'~.;$, Net Disposable Debt: x:;::;;41.: Total S1 Pmts: '::'::'::;::;:;;1162: Residual Income Summary Totallncome : ::: :::::::::2836: • Residual Adj: -Total All Pmts : :::::::::::::1162: =Net Residual Inc: ;::;::; ;1674: Net Disposable Income: '::~:;; ;1674: View_Archive 10/13/2010 11:25am -Page 3 of 9 Product: CC -Credit Card Visa (1 J - - ~~ ~ ~'~ .... .. .................. # of Payments: ;;72 (Monthly ~ LTV: ;::;::;:0.00: TotalAmt Financed: ;::;::;::;12000.00' Total CollateralValue: ;::; :::::::::::::0.00' CLTV: '::'::':0.00: Estimated Payment: ;::;::'::'::': 240.00' Total Debt with Us: ;::;::::::12000.00' HCLTV: '::':::0.00: Recommendation: Decline :::::::::::::::::::::::: Decision Party: Applicant MURPHY, BRYON P (194.66-9458;•;:• Application Score: ;:172; Cutoff::190; Borrower Bureau .Model Score Missing Fields Report D MURPHY, BRYON Ex Brian Ex erianlFair, Issac 0626 05/Oll2( MURPHY MURPHY PuIINew: t ..............................~ For: -.........---..................................... -~ >~:~IeiN:: <•- • ........::i. ............................................................. ..................:.:.:.:.:.:...:.:.:.:.:.:.:...:.:.:................... ... :• • E :.:.:.:.:.:.:.:.......:..:.::.:.:.:..:.::.:.:.:.:.:. Authorized Users: .......... 'te~: ............ 'qe~ View_Archive ]0/13/2010 11:25am -Page 4 of 9 Credit Life Selection: None ~ ~ ..F Plan: <•. ~~~~+~ ~~ ~~~~~~ ~~~~~•~~~ .... •• . ......... t .............................................................................. Disability Selection: None Plan: < ••~ ~..: Coverage: Life Disability <Applicant MURPHY, BRYON P (194-66.9458) ~'y: Credit Life (Decreasing) Insured Amount: '::'::'::'::::::::':0.00 Credit Life (Level) :'::':0.00 Monthly Benefit : :::::::::::: : :::0.00 ::::::':::::::;::~:.. . •::..........0.00 Premium : ::::::::::::::::::::::0.00 :'::O.OQ Cost Per Day : :::::::::::::::::::O.OQ :'::O.OQ End Coverage Date: is ~::~::~::~::~::~::.::.:0~ ::::::~ Coverage Term: :;: ;;0 Warnings Disability Premium Paid in Cash.:: ::'::':0.00 ..:............ O.OQ '::':::0.00 •~ ~•~ Di :'i i'0 :Manual Loan Number ~ ~*': Loan Date: Loan Number: ? Suffix::::~::~: ~:::::~:: ~:: Reported Amount: ;::;: :::::;:O.OU Primary Collateral Code: Visa loan Request Type:;new cr~~~. Funds Request::New :;irg New Funds Amt: ;::: :::;12000.00 Approved Term: :;:::72: Requested Rate::::;:0:00000: TotalRequestedLimit: :;12000:OU Interest Rate Lookup: Approved Rate:::::9:90000: New Credit Limb : :::::::::::::12000.00 •~. Use ~ Decision party •~~: rate. Rate Type: t Fixe~~' Lockrate. Rate Lock Date: :~~~:::::~~~~~ ........................... Rescission Applies Acct Number: ~ •:~: Coupon Code: t ::~< .............................. ,.............................,~...e ..: :.:.:. a:.. ..~. part : State :................. . .;A•d• :; ..................................................................................................... ............................................................................................. .:.:.:.:.:.:.:.:.:.:.:.:.:.:..::..::..::.:.:. . . '. •: ': ': :• :• :• •: ': •: :• •: :•': ': ': •: ': ': ': ': ': ': ': •: ': •: ': :' •: ': ': ': ': ': ': ': ': ': ': :• •: ': :' ': •: ': •: ': :..~ . ~ . ~ . ~ .~ ~ . R ..:..:.:.:.:..:. r~ . ....................................:........ . ........ ~ ::.::::::.:.:..:.::.:..:.::.:..:.:.::.:..::..:.: ;::::; :; :.::::; r:::•. ....................................:..::.:.:.:.:.:.:.:.:.:.:.:.:.:..::.:.:.:..::.:..::.:::.::::.::::.::.::::.::.::.:>::::.::::.::.::: .................................................................... ....................... .::..:.::.:.:.:.:..::.:.:..:.::.:.:..::.:..: ...:.:.:.:.:. :.:.:.:..::.:.:::;::.::::: ............:................:.:.:.::.:............................... :..::.:.:..' ...:.:.:.:.:.:..•......... .....::.:.:.:.:.:.:.:.:. R View_Archive 10/13/2010 1 ]:25am - Pale 5 of 4 DecisionlRecommendation: Decline :::::.::::.::.::.::: Decision Party: System:::.::.::.::.::.::.::.::.: 05!0112008 09:58:54:: Decline A licant • MURPHY, BRYON Collection action or'ud ement Decline Applicant - MURPHY, BRYON The present line of credit is the maximum Field Label Value <XNET,XNETRE,XPHONE,XPAPRE, XNET D isclaimer Answer AYES or CYE S Individor Jnt I or J 0 errial Code `• Pa C cle Type All 15101 !200812:34:25 General S KE R R.::: i ::< : :;::;: c;::;i i : :; :;i : ::: :: : :::::::~ . ~ ~ ~ ~ ~: ~:: ::~ ~:: ......................:........................................... ....................................... ....................................................................................... View_Archive 1 0/13/201 0 1 1:25am -Page 6 of 9 EXHIBIT "B" ~~,~~i~' ~ a 1'enn~Vlvania State ;~mplo~rees Credit Unron i y}~l~i ktfti rl -. r~sl ~A i,'j. t''i ~~' ji ~ jii f~.~' i ( (..i f r~ ir.`.. ... ... ..._.,.~., ..~.... .. ... ,... _~l This L(1 ,NLlflt R l ~ t + i ~ y ~t r.'~ t,cr r ~ t I ~~ ~, ,., n •~ 1 ~ , .. , ,r , r„ La'x 1t~ D,;'lo r[ ::~ t r, .':rr. I ~.,_; the Plan T r II 1 ~ f ~f._r / ,~. •-ulnri c,~r:r c..n, y;~~i II t .~ r./ ;~ ui I P~- n. nrirc[. r al rln,l :In %. ur.r. -font. You yours ~,r{ borrower t .:. n.~ n~, r.r,n~ hr ~ VOLUNTARY PAYPAEN7 PROTECTION - ,.. ~-t i, t ,r-'~ I r, -y P<r, e-t ,. 'he Plan. Credit union, are. our ., ril u5 Ini:~ . 'r .~L C~1 ..r ,urYt~nr ~ era h . t,.:~: r Prntcr,tiun 'n }'r~u. tL~lur±,~: y P;n;i•u 1 t ,;er,Ilr,n 6 ~,r.l [ ,c;s'-r-v L.t r;ttitun c;reri~t. If Union tranaer I.s ig.~l; .:e.lcr ~~,[: i'I'rn ;you p.~rrll ~'~ ~lu"' fry P:~j~rn t F r,t~: Ir) ; f m us y:n, ~ ,.thr,ri'e us to arlrJ [I ,:as ' ._~. ,~ ~ , HOW THIS PLAN WORKS -- it I a ~ r r r nrl I I L,r.' r 1 c~Gt I n ' ' x insul i .'' tr~c:; n,r d/ t;, you t;.n h t nr a .;r I r o , ~ r m .r[;st cn "'e anticipato that, born tintr. In !irn~~, /,u ~.tiiP hcur.~'w nun ~ / ,r, r'Ir_rl :ul..:rtc [.., 1 ,r lo. , rttir[. bal,uux ~+t .cur r,ph<rn .:c nil c.l,su~q~, r<rur pa,r tint or tl [, pi.riorl of tin e the Pion- We are not required to r>take advances to you under the Plan and can none: uy tit elf,+y t'e lawn b:-dr a ~. 1 he rde u~s~rf t t rlrtr~lntlie IP~~r `c.rs or refuse a request for an advance at any time. The Arlr.lerdum des,;nhc'r, the insur,uu e ch:u[~es may r,hgnge m tl~e f ilure. If .h, r,rte r „r yc~, tm ~wrlLprovlcie nny different lypns of credit (called 'subaecounts) avadabkt undi:r iho Plan. the current notic[, rerlu red by :Ippli[ ~+blo law. ~ interest rate for each eubnccount r;xprr..s;o~l as a daily periodic, rite and I PERIODIC STATEMENT - On n r[ [lular irl~ Is you well rereive~ sGllement showing corresponding annual percentage nrte ,Ind other chtuyns. It ntrry alto Iu;rvr. other ,III transactions under the Plan during tfie poriud covered fry the st itr;mc:nt. j terms and a schedule for detennininy the paymunt anuxu'ts. ~ Statornents and notices will be sent to you at the most rrcent address you have _ ~ , „~ L.~.' ~ i'i) .,-i 1.i © .-, 1. ~. 1....~r,%l,i 0 !.'!?.il ,y.:,~d.r,. i; L'l _:i, i. ;;i .. Loan Disclosures CREDIT LIMIT - We rnny, but do not have to, rst:dtlish,a rrodit lirnit on rcrtain - given us in writing. Unless applicable law requires notirr, to each joint bnrrnwer, subaccounts. If a credit lirnit is ;et fora ;ubaccnunt, you prnmisa not to nxrred th[: notice to any one ul you will be nr,tice in all. j established Credit lirnit. If you- exceed Itie credit lirnit, gnu pruritisu to repay ', JOINT ACCOUNTS - If this is a jointaccount, each of you is indivi[fually and jointly immediately the amount which exceeds thccrrdit lirnit. responsible for paying all amounts owed. That means we ran enklrre our rights REPAYMENT -You prarni;;e to repay all amounts you owe under tl+c Plan plus ~ under the Plan against any one of you individually or against all of you together If you ~ interest. Payments are due on the last day of the rnonih unless we sot a different day ! give us inconsistent insfructions,.we can rcfuso to tollowyour instructions. Unless our at the time of an advance. if thr. Addendum I>as no payment sdhcdule fora written policy requires all of you to sign for an advanco, each of you authorizes the subaccount, your payment will be determined atthe time of each advance. Payments other(s) to obtain advances. individually and agrees to repay advances made to the ~i must include any amount past flue and any anuxntl by which you have exceeded any other(s). Any joint accountholder may terminate the Plan by giving us prior written credit limit you have been given for a subaccount. You may repay all or part of what notice. If any of you terminate the Plan, the Plan is terminated for all of you.. You you owe at any time without any prepayment penalty. F_ven if you prepay, you will still remain liable individually'andjofntly for all advances incurred brfore termination. be required to make the regularly scheduled payments unless we ague in writing to FEES AND CHARGES - If you give us a security interest in certain types c~( a change in the payment schedule. If you have a joint sharedraft account, you will be property, we may charge you a filing lee to perfect our interest in the property. If we responsible for paying all overrlratt advances obtained by a joint holder of the the amount of the fee will be disclosed to you at the tune you obtain an advance. do sharedraft account. Unless otherwise required by law, payments will be applied to , We may also charge you other fees in connection with the Plan. Our current fees are amounts owed under the Plan, in the manner the Credit Union chooses' disclosed on the AddencLlmand will be adcJed to your loan halance unless you pay PLAN ACCESS -You ran obtain credit advances in any manner authorized by us. If them in cash. we allow you to use your AT'M/Debit card to access the Plan, you may be liable for the UPDATING CREDIT INFORMATION -You promise that you will promptly give us unauthorized use of your ATM/Debit card. You will not be liable for unauthorized use written notice if you move, change your Warne or employment, or it any other that OC.^.urs after you n:;ii%y us, :.!a'.ly ur i!I w!iii!ty, i!i tl-!B in:c, il?ofi, ..r poBSit;la unauthorized use. If you believe your ATM/Debit card has been lost or stolen, - information you provided to us changes. Upon our request, you aisu ayleu to Provide us updated financial information. immediately inform the Credit Union by calling or writing us at the telephaie number or address that appears elsewhere in the Plan. If the card is used to obtain unauthorized DEFAULT -The following paragraph applies to borrowers fn Idaho, Kansas, advances directly from the Plan, your liability will not exceed $.`i0. If the unauthorized Maine and South Carolina: You will be in default if you do not make a payment of withdrawal is from a sharedraft account, your liability is governed by the Regulation [ the amount required when it is due. You will also be in default if we believe the disclosures you received at the tune you received your ArMlDebit card, even if the prospect of payment, performance, nr realization on any property given as security withdrawal results in an advance being made from your overdraft subaccount. is significantly impaired. FINANCE CHARGE -The dollar amount you pay for money borrowed is called a The followfng paragraph applies only to borrowers in Wisconsin: You will be in "finance charge" and begins on the date of each advance. A finance charge will be default if you fail to make- a payment when due two times during any 12 month computed separately for each separate balance under the Plan. To compute the period. You will be in default i( breaking any promise made under the Plan materially finance charge, the unpaid balance for each day since your last payment (or since impairs your ability to repay what you owe or materially impairs the condition, value, an advance if you have not yet made a payment) is multiplied by the applicable daily or protection of or our right in any property you gave as security. periodic rate. The sum of these amounts is the finance charge owed. The balance The following paragraph applies only to borrowers in Iowa: You will be in used to compute the finance charge is the unpaid balance each day after payments default if you are more than 10 days late in making a payment. You will. also be in and credits to that balance have been subtracted and any additions to the balance default if you do not comply with the terms of the Plan and your failure to comply have been made. In addition to interest, we may charge other finance charges which materially impairs any property you gave as security or your ability to repay what you are disclosed on the Addendum. If the interest rate is a variable interest rate, the owe under the Plan. Addendum explains haw the variable interest rate works. The following paragraph applies to borrowers in alt other states: You will be in SECURITY -You pledge as security for the Plan all shares and dividends and, d any, default if you do not make a payment of -the amount required when if is due. You will all deposits and interest in all joint and individual accounts you have with us now and be in default if you break any promise you made under the Plan or if anyone is in in the future. If a specific dollar amount is pledged for an advance, we will freeze default under any security agreement made in connection with an advance under shares in that account to the extent of the outstanding balance for the advance. the Plan. You will be in default if you die, file for bankruptcy, become insolvent,. if you Otherwise, your pledged shares may be withdrawn unless you are in default In make any false or misleading statements-in any credit application or update of credit addition to your pledge of shares, w.e may also have what is known as a statutory lien information, or if something happens we believe may substantially reduce your on all individual and joint accounts you have with us. A statutory lien means we have ability to repay what you owe. You will be in default if any property you have given the right under federal law and many state laws to claim an interest in your accounts. us as security is repossessed by someone else, seized under a Torfeiture or similar We can enforce a statutory lien against your shares and dividends, and if any, interest law, or if anything else happens that significantly affects the value of the property or and deposits, in all individual and joint accounts you have with us to satisfy any our security interest in it. You will also be in default under fife Plan if you are in default outstanding financial obligation that is due and payable to us. We may exercise our under any other loan agreement with us, You will be in default if any property you right to enforce this lien without further notice to you, to the extent permitted by law. have given us as security is repossessed by someone else, seized under a forfeiture For all borrowers: The statutory lien and/or your pledge will allow us to apply or similar law, or if anything else happens that significantly affects the value of the the funds in your account(s) to what you owe when you are in default. The property or our security interest in it. 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 ACTIONS AFTER DEFAULT -The following paragraph applies to borrowers in District o/Columbia, Iowa, Kansas, Maine, Massachusetts, Missouri, Colorado given as security. , South Carolina and West Virginia: When you are in default and after Nebraska Additional security for the Plan may be required at the time of an advance. If a I " " , expiration of any right you have under applicable state law to cure your default, we can ) you must give that New. Cars subaccount identifies a type of property (such as demand immediate payment of the entire unpaid balance under the Plan without i type of property as security when you get an advance under that subaccount. A " 9iving you advance notice. I means you must provide security ~, subaccount name such as "Other Secured acceptable to us when you obtain an advance under that subaccount. Property you The following paragraph applies to borrowers in a!I other states except Wisconsin give as security will secure all amounts owed under the Plan and al! other loans you and Louisiana: When you are in default. we can require immediate payment , ,' CUrlA IdUtUA~ G90UP, L20. 1CCu C%, S2 AL, r I n 5 nE5r R':'t ~l `--7 ~, c ~.: '~.' Cr Sf:101 -_ - _ _PSECU FOHH <31»0 ~3x X05u1-2037-2092-t 12091 LngNLINER° Cre_clif-a_nri Security_Credrt Agreement (continued) !aCCe!BiatlG^1 f I ?` I to pa1:1 b9anCe 11 f Llc P! Ut r- a :..t~ ny rlrhf ~FU'.a.C: ?o demanri'or,t,;,n art n,:,,,e of tent .o ac.c;r a'e a~,i n,i,-c o! <t~,.olC«r,l.~n The /ollorving paragraphs apply to borror'iers in all slates except Wisconsin and L OU151ana: II i _;,.:I I;,~,;i-g:n. , 'J,.rla ;; r ..-III c:!r!'ir_i~ .r. ;.:r. !, _ .,.... , ~r dit tn~ ,efa„ id .:,J?.:er~ur, .f A;fJuiiP'~~. If;~ "t,7"r:n:.: n..:.i;.r t t',~rrn- has nom:, -~ .:de year ,hr,'cs <,nrl-nr depc_t. .art b~ dt pl r~:l trn;.ar,,' ~ d ., 1*.., ,as {~ ,..,,., t'. ~...1 i ^L,..~ ,.~. :J'S~ a .- r;.. I.~ .n'.!c.,, i r~gnts given by L ... ^ cn cu -. ula.li ~~cu ~ rno the Gred t U~ o t ~ m ',c riE{ht t ~ r •~ pr i "n of :,ny hirl c tV gicar! as SCCUnty w of r I':c r':ui, r, hn„t ,4iill~i<,I I-ro„~ ~ 1 I IG. dait 5C 1 r i"r~ u' breach of the peace. If ,ne ask you pror usr' to dclrocr J.:: prope•ty at a ,in .; a~td plane rre choose. If tho property i~, a motor vctt'cle or bowl. you agree that we m::y nMaln a key or otl~~er de~'ica nacrasr,iy to unluCk anti operate d. wncn you ara .n default. We will net be responsible for any other property, nef rovorod by this Agreement, that you leave inside the property or that is attached to the pmpnr!y. We will try to retain tl-rat 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 In 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 rtttorney'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 j same rate as the advance, or, if applicable, at the default rate disclosed on fhe i Addendum, until that amount has been paid. i 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 imrnediatc payment of your outstanding loan balance urtder 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 or any other method authorized by applicable law. If we repossess the I property, you agree to pay reasonable expenses incurred in disposing of the property. I 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 I I .Statutes. You must pay any amount that remains unpaid after the sale money has been j applied to what you owe under the Plari. You agree to pay interest on any unpaid ! I 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 demandfor 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 !Ilinois: 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 Io time in accordance with Section 422.4? 5 i of the Wisconsin Statutes. You will be notified of any change in .terms. An increase I 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 tune by giving us prior written i notice. Your obligation to pay the unpaid balances under the terms of the Plan i 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 toborrowers in Iowa: We can change the Perms 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, i d b' t t r it meats of a licable law will also tart's unoe< t`"e P;an. l^1c: can c::ncel~V~e emir: {'.=:n c:.-;r~y , •,rt o` hte P'a^ at any t: re, ~rvll tn7:~ CFln~;l ;Ire '~-:II :l ~:"; y+ (.?' :'j ~;'dil' d lb {;':'. .':`.E'n n.'iCP r'O.r w :atop :o pry I '.:nh i'i ~ .'..ir t~.s „i:Jcr ;',e tcn'i; Uf ` re P a~.: cc"~'r".rte, ,I ct^c.r :~„ ::r'ln r, r:, , t '.h 10':. Gd~ _., IhS I'I:u DELAY IN ENFORCING RIGHTS AND CHAPJGES IN THE PLAN - :"!~: ~'a'~ ~Ir:~ :y ~.bl t .. (:(__., -~,:! :t~.. b Id'i. .,.J , n' i! ~: .. , _ r"3"' 1 ;'G .r r'r orla :c ,t '.. ,~:•n[a! ~.C,s I- ::e rh•-.~ , lu. 'c:uis .,i -na P ,n yc....~ :..~ "nt Bt..; PI ,n ,_ I r.;~r; n,w t FI trna ~.:a CONTINUED EFFECTIVENESS ,, r!; ~i " f I:i-i r. '1, cn fir-~=d !:r ? ::~ !r:t to b., i:',CnL~,rcca, le. [, a IeSI :. .I r.: ~,iir: i^ .: •.i NOTICE TO UTAH BGRROWERS ! • 15 li ~ ^ a l! n! cl is , i' 'I ~p!~ ~ ~ c,i Nte -iyremnent b n::een you and ,nF. (,iedd threat. I !. ..i~ae:t ~iq cr:meiit r lay not be r:ontradicrc.d by itvidr;nre. of any oral ag~ce~neni. 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. USE OF ACCOUNT - You promise; to use your account for consumer (personal, family or household) purposes, unless the credit unicin gives you written permission to use the account also for ~yricultural or corrtmerrcFl purposes The following paragraphs apply if you give security in connection with an advance under the PIan.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 describod 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 installedlh the property now or in the future. The security interest also includes any replacements for the property which you buy within 1 t) 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 hour; on the property. If the value of the property declines, you promise to give us more property as security if asked to do so. WHAT THE 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 uther 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 rto 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 main(ain 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 yet and pay for. You promise to make the insurance policy payable tows and to deliver the policy or proof of coverage to us if asked to do so. If you cancel your insurance arid yet a refund, we have a right to the refund. Ii the property is lost or damaged, we can use the insurance settlement to repair the property or apply it towards wtrat 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 grid 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 inay monitor our loans for the purpose of determining whether you and other borrowers have complied with ttie 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 and at our discretion an su lee o any equ e pp I added within the terra of the insurance or approximate term of the advance. j apply to unpaid balances. i INSURANCE NOTICE - If you do not purchase the required property insurance, The /ollowing paragraph applies to all but Wisconsin borrowers: An increase in the insurance we may purchase and charge you for will cover only our interest in the the dail eriodic rate under a variable interest rate is not considered a change in i property. The premium for this insurance may be higher because the insurance YP 1-OAfJLINER• Credit' and Sgcurify_Credit Agreerner~t (continued) company may •..:ve ,r,en us '.ire right 'o 1:..;rchase .n~.;rar,ce ..'!c. urr'.s.r:e col:ate~al is Icst or dar;:gec The insurance vrill not be liability insurance and will not satisfy any state financial responsibility or no fault lags. PROTECTRJG THE SECURITY INTEREST - .i ; I :':+: - - , t - '' pfCpe tiC p.t . 15'' ~ "i f _ Ii, i ~..' - rl G" ~ i - ~ 1 ~, ~ ; K~ PC. .at i$ _,l ! _] a , d. {::'l ...R L},;r t[ t.n d: - U; r : C~ u ) i.a0 .. Ir .i.1' . li: claims cf others. Yc,r i~ro~ccahP.; authorize rrs :ri oxor.:,te inn yo,:r !x:h-.i`r .! ,applict+be. u~'I hle u~r- !: r-lp'r r,rinJ, t+.~'~i,!'lu;~ c~' .;r:ri _ _n;i:n h_rl ^n''. p!lr'SUF+nt tO'hi !h i,fG,~l CGnr:.L. 13 I;CC ^.jUCh.)~~' ,fm :qtr r !_n;y'r S. YC:.. ~iL•!-'~ promise to r1o :vhatever els,e'• ~ t!~Ink •s na;nss;rry to protect :,ur sc:cunty n:e~~al ~, ~. _, . ~ ~ r fl-e Ir'opH'y ., ,r ,I {Y.1~ +, ,. Sl a„ ., .:( ., cJ ~,. -,y ;ra.. lees. we incur In ~p~otE !;rly Our Seru~i`,y Irn i ~,t ~,n.1 i:;hts la ti ;e prq~rc;r'y to 'I~n extent perrniireo by ap{r'ir.~;hle ta!v_ USE OF PROPERTY- lJnti~ the Auvance hLr, burn psrici c'f, gnu promise ya~.r •r.~ll: (t) Usa tl-~e property carelully and keep i[ in C,nori ropalr.(2) Obtain our v;'rt+irn pennisslon h+;fore making n~jor chanrl!a to the prrperty ur rh.+nglny the nu+:ieas where the property is kept. j3) Inform us in writing tx;lnre rhanginy your oddres;',. (III Allow us to inspect the property t5) Promptly notify us if the property is dar,~aged, stolen or abused (6) Not use the property for any unlawful purpose. (7) Not to n~title property in ahcther state without telling us. NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE - THE fv10TOR VEHICLE IN THIS TRANSACTION- MAY BE SUBJECT TO REPOSSESSION. IF IT IS REPOSSESSED ANU SOLO TO SOMEONE [LSE This notice contains important information about your rights and our responsibili 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 informatron: ' 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 ors not sure about. It you have authorized us to pay a credit card account automatically from your share account or checking account, you can stop the payment on any amount you think is wrong.To stop the payment your letter must reach us three business days befcre the automatic payment is scheduled to occur. YOUR RIGHTS AND OUR RESPONS181LITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE - We must adknowledge 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 i( 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 Card. 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 ANG ALL At;10UPdTS D:r- TO THE SFC.iRF') f'A.FT'( ~;PE NOT RECEIVED IN "HAT Sr+L E. "O'J R4AY '-IAVE TO PA'y TI1E U',FFERFfIrr NOTICE FOR ARIZONA OWNERS OF PROPERTY - + c, .~.;:r,.' 'or yc-, to 'ar, (:7 .,,J'1 d (11C X:1 .oh K; V, 1i18: ~~ .,,,!)f !i CI 'C .. ~-.-_,"t} I ,:u ~,.. .. .. ~ n .,,d' ' ddyo a°: JI nU I .. ... .,~rr r.r::( t r, -`, r, f T'~ ~? .. ~. t ~.,I _'~_ I:r I - ;. a y!•_r .,, ~. p r _ I~ [~~~~..1 ~: I~ ~ .!"; II' ., ... .., ,. .. T1'_' I'L1T. !'1 il'l'. I~,;nd i ' is ~.. r. f~~~, ... ;:L.I r _r ',..., - .. ,._ - - '. I~.r.Sr ~ ::rd c'~', :{ f,ne .~f 51 SO OUO For those members who purchase a vehicle under the DRIVe Program, please review the following FTC Notice: NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. L ~ ~.: }'~yy~( i +aw i 1',-,},~-~o'jg'~p" 4 yn y y.~,vr' ~,w. ~g. ~pa'.~ Mas,,a.Fw.rit r : .~i;i I~,5.1,~~' .t.,,!, ~ ~~'+,~6..~.t4.~`a' . 6 ~.' .~....,.,,~Lt~' r.,wc..,...+~:dd~; Z'»:F'd/ tlr.r<t+aE!'a,.~ «, G.~.. k~~ ties j 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 amowit 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, gnu 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, it our explanation does not satisfy you and you write to us within !en days telling us that you still refuse to pay, we must tell anyone we report you to that you havc a qucs6a, ,......., your .,.........e;nt. Arlu, N.'!'. IIIU$t L ou n.,n-~r ..anyone we reported you ta;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 ii 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. 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 aself- replenishing Line of Credit for you and notify you of its amount when. we issue the card. You agree not to let the account balance exceed this approved Credit Line. Each payment you make on the account will restore your Credit Line by the amount of the payment which is applied to the principal You may request an increase in your Credit Line only by written application to us, which must be approved by our credit committee or loan officer. By giving you written notice we may reduce your Credit Line from time to time, or with good cause, revoke your card and terminate this Agreement. Good cause includes your failure to comply with this Agreement or any 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 f 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 Lrne, 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 ;.t i ~;_ Visa' Credit Card Agreement and Trufh In Lendrn_q Discbsrrre (continued) ay,eame" you rn '/ a- th„r.ze us v Thai=d'= t r ~r,ir~ur ,.a;, ~:: ut a,,.orn, h illy +;. ~,. ..r sh,ue or cni,~kmr rccnutt ~. th pis "o., n,ay of ~r roe l.ay r•~o e i q.,e`t f i ' ~ than the h.linimin, Pry rut or p.r_; he Total flee.. Lid ':,e n fed ... 7 ,~_~ . Pl i „r_e .,c. ',Hanes c"a~-1 ! , ,cirr, n If n, r ~ iy p c n, c ^< h~c t .. ,- r . ,:',-u, The minimum ps,yrnent ..ill he ra) 2 . of y ur f,,al ^ r - B .h:nce , ~ r : ~ , ,~ to l~ next even do~lar or fG) S20.00 v~hiCheder s yrc..;tcr I t ,.Jd:ion ,, .r-y t~, r •. ;~,>..r t~tail NetB7a",^ ~x.cedsy~ul;,r.rtLrt y.ur',i~,i," ;pn ~ e,a ~i~r.n;,~r rlcmand.lVe v.I ahp'/ p_ti i~e,t-, n da , ,.ing n a r.r "~~t t.~ p ..,,.,s f,,.<- t., ~. thsn to pretii-n,s rash arlvancns f irrrcv ohargcs then to pro.ic s p„rri ,c,~ I n;ucn Charges, then W Cl,'If rd 47:e feCS. t^.F'.il IO p'e'n:~,1S (~._h , .`1=1 CC hala n:.(.- I"•S;1 t:, previous p~.~rchase balances in the, order tP,at they cve~e posted to yoi;r ar..:ri'ti Shan to current rash ad~:<+nce baianrr.s. ~tnrl than to current purchase halnnr:a 7. FINANCE CHARGES -You can avoid ihEi Fin++nr.c Charge on purciu~tsos by paying the lull amount of th~a Now Balance c[ Puir.h,+se ~ e;,ctt month v.it u i '[; ri;~y°, of your statement closing data. Otherwise, :he New Bahdu;e of Purt:h,,_r s utrt t' e subsequent purchases from the d.,te they are posted to your nccorurt, wilt he suttµ;ct to Finance Charge. Cash advances are ~dways subject to Finnnrr: Charge from the date they are posted to your ar;rount. Purchases: We calculate your tinanre charge by multiplying the aver,ye adjusted daily balance (see explanation below), including new purchases, for the billing cyrlc by the monthly periodic purchase rate and corresponrliny ANNUAL PERCENTAGE RATE as disr.,losed on the Addendum, ' Cash Advances: We calculate your finance charge on ra:;b 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 i corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendr.un. Balance Computation Method Average Daily Balance for Purchases -The Average Daily Balance for Purchase Transactions is calculated by adding the Daily Balances (Purchase 7ransartion) for j each day in the billing cycle,. and then dividing by the number of days in the billing I 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 ~ to your account that day. After applying payments and credits, we subtract the amount of any unpaid Finance Charges or Late Charges. Then we also subtract the amount of any Cash Advance transactions that posted to your account on that day or in any previous day in the billing cycle. This gives us the Daily Balance for purchases. Average Daffy 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 B2lances (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 1 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 rt any Purchase Transactions tl~at 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 it previous cash advances finance charges, then to previous purchase finance charges, then to current late fees, then to previous cash advance balances, then to I 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 firstto the particular type of debt which is being credited, if any, and then to the balance of your account. 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 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 ca ,h ~rlvm;ca rra`t :'a-iirh ,';d~ be i•rprir~;er; ~,. d, your c_rrd The n;her is to co~rple'e i~. c _n~ • „ctio , t . . ~ ~ ~ ~ ..r pc..- _, , .rl i,.a; ~~n 'J,r bc' ~ F -. tJ) in c ~ r',,;:iG!~~ .. , I .^ aril :,r A.,:c : tc~l Teller ,1ac1-~ina cr cheer tape o` :.., romc to i t ^%:I ;hat ..,,: iJes n,re_ ~ .a .. _ i i . - :c YU.r ,.),.. , a.,~ i ., r~o: -,, ;ou, ca d `„r any trans<C"o~r th,. i_ l,:g,. _,. -- ~. f,,._. t.lr; ..~1-.'.:L ~~.~ nr '~o ~~;I Idw. fL~ ~r~cu tl,ly _. ; < .;"f ., II _~u I'y 'I~~, r ~ _i ~ . , .. ,., , .. •r... _ r,al cr 'I r ~~. ;I ,.t;~n at ~,e i ll n .h ~ i r t r • i r,ir ~~ a ~. I t : rcl~ u':;; I I,.,.ni- i~ ,h,i t~rtt, t ~lic ~a i ~n ~n C .,.rt;J ify I,, r tin ;I n d. ih, Gedt r~ni,r.n,ry :,k,~ ,,u ..ti , CI,: .1,. f:, ,i .r. ,r.,l _-. 4 , ii.., qiJ , i I t. 10. OVERDRAFT OPTION - I` y.r_r emu p :-:~~-~i~i+ t ~~ yo_ir F'.~tGU J:,, f, .:rl~t Ca rh.rt olr r i ~ ut t,~ i to c.r i bn J r edr 4 n t n f Ihc, a~i ~ E~'rt ~t tep E, rnl^, _~ tor, r~nr E. -.t Dian pr,,fry 0, ! lt, 'i't r; ul h`C r+ i irlid'il ran, +.tr,o ^ndeistand that ar o~~r; rf a`t v. iI' hr , cur sr!~ .rl t'ip' ,t ne as a r ,ti r rrivanro on your PSECU Visa C'odit C.. xl r:nrl [h,,t .hc ~: i ~.nt Annu.i~ I'ercr it i ,e Wale rnr c:fsh urlvnnres Ball sq,p!y. 11. RETURNS AND ADJUSTMENTS - CAerclta,VC ,inr+ nt!iCr, wlio honor thu rant may give. credit tut returns and adjustniene;. ~+nd ti~~ey will rl0 ;o by aendrng us a credit slip which we will post to your Visa hoe of creriu_ II goof credit foul payments i;xceed what you owe us, we will autornntirally post ttie excess credit balance to your S1 Shares within 75 Uays. It the h»lanr-e is one dollar or more, upon your written request, we will refund the credit balance kt you. 12. FOREIGN TRANSACTIONS - I he <;xchnnge ode between the tru+saction currency and the billing currency used for processing international hansactions is a rate selected by Visa from the range of rates available in wholesale rurrenry markets for the applicrt>Ie central pn>cnssing riate, which rate may vary horn the rate Visa itself receives, or a ygvernrnent-mandatrd rate in affect for the applicable central processing date. In eacfr instance, an adjushnent may be assessed based on the ISA fee imposed by Visa. This fee generally totals 1°0 of the transaction I amount. In all cases, we will assess 1 °~a nn ..rll trrtnsaction amounts where the ', merchant country differs from the country of the card issuer. ' 13. DISPUTED TRANSACTIONS - If you disagree or find an error with a Visa ~ transaction, and have tried in good faith to correct the problem with the 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 stele within 100 miles of your home, contact PSECU. 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 1 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 ! dt±t~ilg of ynr,r disputa In rases of fraudulent card use. PSECU will also require a j 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 tune specified yeu may be held responsible for the transaction(s) in question. PSECU must adhere to strict dispute timefrarnes set forth by Visa. 14. SECURITY INTEREST - To secure your acc:rnrnt, you grant us a purchase I money security interest under the Uniform Commercial Gode 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 senurity agreements, except for your home. 1 S. 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 lima 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. ' 16. 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. 17. RUSH FEES -You may incur additional charges for rush processing and rush delivery of cards and/or PIN mailer. 18. DRAFT COPIES -You may incur an additional charge for transaction i ' summary/sale draft documentation. '. 19. COPY RECEIVED -You acknowledge receipt of a copy of this Agreement. i 20. 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. i 21. NO USE -Inactive Visa accounts that have no purchase or cash activity may be closed without notice to you after ~ 8 months of no activity. ; 22. 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. 5..;, V 0 ° ~ C V O C O p al O L ~ o c v O ~ ~ O O ~. ~ O L -yr O m C w ~ E O 0 3 m O -='mEooooo000000000000000 ~. E cNO•m^~o~n?MN^o o.cor.,o~n ~c")N- tq~ O ] O_ O -° E c Oo C_ d OC ~ ~, ~ L n°. 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You are still resr7onsible for repayment of !Iris entire debt. Becnu.re interest stopped accruing, !Iris allows us 1v accept payment arrangements suitable to your present frnancin[ situalioa. 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 otu~ member services. Please call meat 234-8484 in Harrisbur>' or call our toll -free number (8001237-7328. At the menu nromat press 6 tltcn est. 3119. Sincerely, Michelle Hess Account Advisor enc. Pennsylvania Sfafo Employees Credit Union Main Address: 1 Credit Union Place, Harrisburg, PA 17110-2990 • 717.234.8484 • 800.237.7328 Mailing Address: P.O. Box 67013, Harrisburg, PA 1 71 06-701 3 • 717.777.2100 (TDD) • 800.472.1967 (TDD) psecu.com This credit union is federally insured by the Nntlonol Credit Union Admin stmtion. Equol Oppodunity Ler•der PSEC~k 11/16/2009 l3RYON P MURPHY 1502 .BRIDGE S'I' APT B, NEW CUMBERLAND, PA 17070-1183 Dear E3RYON P MURPHY: C~Op~7 We have tried several times to contact you concerning your Charged Off Visa Loan. Phis account still has an outstanding balance of $12,251.48 plus any collection fees. We have continually expressed our willingness to work with you. When your balance is paid in full, we avill 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, Lwill have no alternative but to submit your account £or Manager Review. This may result in your account being sent to a collection agency or legal action taken. Should any of these options be ueccssary, you will be responsible for all cost and fees incurred. Please call the at 234-8484 in Harrisburg or call our toll-free number (800}-237-7328. At the menu prompt, press 6, then ext. 31.19. Sincerely, Michelle Hess Account Advisor Pennsylvania State Employees Credif Unian Moin Address: 1 Credit Union Place, Harrisburg, PA 1 71 1 0-2990 • 717.234.8484 • 800.237.7328 Mailing Address: P.O. Box 67013, Harrisburg, PA 17106-7013 • 717.777.2100 (TDD) • 800.472.1967 (TDD) psecu.com This credit union is federally insured by the Notional Gedit Unien Administration. Equal OppoAunity lender NNEQ PSECi~ 13RYON P bNRPIiY / 1502 BRIDGE ST APT B, NEW CUIv[13E1ZLAND, PA 17070-1183 Dear BRYON P MURPHY, c~ c) ~ rY ~D ~ ~_ ovlli?olo _~ ~~~~~~~~ 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 obligations. PSECU would like to help you with fulfilling your outstanding obligation with cone-time opportunity to satisfy your severely delinquent PSECU Charged Off Visa Loan by establishing a monthly payment agreerent. ~Ve 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: •:•We will reduce your current Charged Off Visa Loan balance from $12,251.48 to $11,026.33. =:• We will stop alt interest and late fees from further increasing your obligation. • We will work with you to establish a reasonable monthly payment. s•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 irnmediately 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 orthird-party collection agency following 14 days of this letter. •Collection costs of 20% plus additional court costs will be added to your outstanding Charged Off Visa Loan balance resulting in err nrcreased outstanding obligation. •:•Our attorney will file a judgment against you in Civil Court for the increased amount. •:•Your appearance in court will be requested. •:•A Lieu will be placed on your personal property and be reflected on 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. •SAny co-applicant on t}ris loan will be negatively impacted in the same way. •:•Your account could be referred to a third-party collection agency for additional collection efforts. "1'lris choice is clearly up to you. Please call me, toll free, at 1-800-237-7328, or locally at 717-234-8484, extension 3119, to take advantage of this one-time offer. Sincerely, Michelle Hess Collector Member Services Pennsylvania State Employees Credit Union Main Address: 1 Credit Union Place, Harrisburg, PA 1 71 1 0-2990 • 717.234.8484 • 800.237.7328 Mailing Address: P.O. Box 67013, Harrisburg, PA 1 71 06-701 3 • 717.777.2 i 00 (TDD} • 800.472.1967 (TDD} psecu,com TFis credit union is iederaify insured 6y the tJational Credit Union Administration. Equol Opportunity Lender EXHIBIT "D" ~~+~~'~ ~. ~+ r (' ADVANCE PROCEEDS VOUCHER AND SECURITY AGREEMENT ~/ 1 ® Pennsylvania State Employees Credit Union s r P. O. Box 67013 Harrisburg, PA 17106-7013 717.23a.aaaa 800.237.7328 MEMBER N+4ME ... =," :::; DgTE:,:: , . . :-.`. , ,: MEM@ER AGC,OUNF NUM(~Ef~• ~ . ,...,'.': Nar~NGMBER ,:' ... 1 BRYON P ivIURPHY~ /8/2008 0194669458/L29 OOOo935300 232 S 29TH STREET HARRIS BURG, PA 17103-1916 PURPOSE. Dealer Purchase THAN E7ION ^ ^ ADV NCE 3 ^ 4 ESCRIBE ^ EQUITY ADVANCE 1 NEW LOAN 2, OAN A . . ) ( YOU HAVE PREVIOUSLY ELECTEDTO HAVETHIS ADVANCE CREDIT OfSABILRYe, ^ 1 ^ CREDIT ~ ~ CREDIT ~ INSUaEO WITH THE FOLL01MN0 COVERAGE NO YES YE9 NO YES NO DAILY PEAIODIC RATE ANNUAL PER- 1NTERE3T RATE IS AMOUNT REQUESTED ~ ~ ~ ~~ PREVIOUS BALANCE AMOUNT ADVANCED NEW BALANCE (CHANGE IN TERMS ONLY) CENTAGE RATE RxeD +OTHER CHARGES vaRIaBLE , .. " .' >:: `--~.`.~^-~~:~:~-~ 0198356 ' 240 7 ~] {.. .} ~' 0.00 000.00-=~3;O;r~00;~0:~''Q; ~ 30 _ 30, 000.00 . % . , , PAYMENT OUE DATE PAYMENT FREQUENCY PROJECTED LOAN TERM 2].0.34 04/25/2008 Bi-Weekly IFTHIS LS A HOME EQUITY ADVANCE, THE ONLYSECURlTY FOR THIS ADVANCE IS THE REAL PROPERTY (INMOST CASES YOUR HOME) WH[CH YOU GAVE A3 SECURITY WHEN YOUR ACCOUNT WAS ESTABLISHE4 1F TH13 IS NOTA HOME EQUfiY ADVANCE, IN ADDmON TO THE PLEDGE OF SHARES IN YCUR LOANLINER° CREDIT AGREEMENT, THE FOLLOWING PROPERTY SECURES 7Ht3 ADVANCE. ITE PROPERTY -.MOEIEL'-~ `'~+J`="~;"t.;`-='-4QNU EF~=:.L`;~:; ~:ir:" "-'i.:s.~,:.;TYPE:<.,r:•..` ,~,,,.i ::•4 EU=UI:>u`;a~~;:;;,~ '~ ~• MTT~fJRI~i-jT 2 3. ANCER 2009 ~7A3A[J$E.~W8911001744 SDN 23; 340.00 4.OTHER YOU-PLEDGE SHARES AND/OR DEPOSITS OF $ IN ACCOUNT NUMBER OLD ACCOUNTlLOAN NUMBER (A) PAYOFF (PRINC.+ INT. OLD ACCOUNTAOAN NUMBER (B) PAYOFF (PRINC. + INT. OLD ACCOUNTA.OAN NUMBER G) PAYOFF PRINC.+ INT.) OLD ACCOUNTA.OAN NUMBER (D) PAYOFF (PRINC. + INT.) OEDACCOUNT/LOAN NUMBER E) PAYOFF (PRINC. + 1NT.) OLD ACCOUN7ILOAN NUMBER (Fy PAYOFF (PRINC.+ INT) . ;, By accepting the proceeds or by using the funds advanced and depostted inio your share/share draft account, you agree (i) that the property referenced above will secure the advance and any other advances you have now or receive In the future under the LOANLINER° Credit and Security Agreement (the Planj and any other amounts you owe us for any reason now or in the future (n accordance with the terms of the Plan and (2) to make payments as disclosed above in accordance with the terms of the Plan. ®CUNA MUTUAL GROUP,1980, 82.94.88, 89, 98, 99-2090, Ot, 04, O6, ALL fl16}RS flESEAVED i PENNSYLVANIA STATE EMPLOYEES CREDIT UN10N FORM N3175 JVXXO100-1 037-2092-1 (8108) (~835r5~ ~~~ ~Z:55 Pivt 3uue iu, 2Gv ;031000040* 04/08/2008 '~ 6212093286 ° 0 ti This i s a LEGAL COPY o f se i Y k ~ '~ ~ t M1 ou can u your chec . O the same way you wou I d use the original check. ? ~ ° La m r7 L-9 m ul r-a f"~ ° °° °o ° ° ti un ° u Penruylvanla State Employees Cre6t Unian No. 6975700 I roirLro+i • rww.w••frvxnu . pfp7ifafw.maiir.rLif ,turaaa~r vo~o ov[n }}30.000.00 a rNCt D191664JSE YO'O t7a CAPS AFi(R O3r?8r:00et ~;~'~„u~,,, /dni4.5frr. ~~Su r~i' e 30FOOd.~ r/' '-"~' ootu~s Lrr09f~Ni. YaiO Wlfli 04LLL IMgiIM[Mt COAYU l0 M(MKL LNOOMLMLtf} Lw~rb/n•Ti•flM rrrw YY \«•f.s Alas n•srlM«K•rYY .TlMY111Ltl•r ~Yf•Of•f4NL. rinr 1. fe•fM•n Rf1rIMM.•.afr fdt 1 in.i M•ww.•l irw•tiIWY~.•r.wir, RLYr Gr .It.ar N10.4rM. ~ tl~•I.Ir.ry nOflm.nf Mrnubn I` ....,L afwrnrr«~.f..rw.u.0.n..rM... M••~.+n ...y Tr /.r L«.Ml~ T6• Y.O.n n.lL.rt r . r /Mrw T«w W+~•1 •«« v W...r. .•w n •r wW vww f•.• Ys.w r. ~...~w.n..i.Lr.rw~rw.•w.r.«.•+ w.w O w.+w« r«.. ^ r«+wfs.n..0 c..~fr.e+•• rY wr«r r. MrI W1M Lf r•V«~Cf rrr4Nl.•1•I4 MI1rMw f1rMr•. Q fiffll•f .l wr• i~ O Mw4MMf I «.,.•.,...r....«.f..r ,.L~rW..L,...,~ II ~• ua• fl(rlflr~I rfldifi•~WI( ~ w$~ium1~Y tC e>~Fj rw•r~rc ..... «mf. ......r (/ i ,• fr`f~ 1A• LAa:CC( ~ /L,1 CmApptc.~f [idLif+fti.L f..rf 351.. 711 sG1-GYV .oca~rwx.~., N6935300~• 1:23130 ~ 116[: 329504119?~' 44 lOOD3000000r J 11'69 3 5 30011' 4t: 2 3 L 38 i 1 16t: 3 29 S04 L L 3 711^ 44 LI'000 3000000[1' +« ~ ° ° a l7 W W r l~i~ :s..~~a:.f E~•;.i:)dF•a O~ 2a~z~o ~ ir~i2t s i ij ~#~ ` ti r N ~jiM r t°rLn ~wo.G+Go _ ~r~ i~;~•~ ~~i~~L~i~li{~ ~ (rU~.~p*pr 1~"SS~ W " "~` a L ~e~f j~~~}t}l~~!1 ~f~~Z~~~tl!(` s .a r °° jjj((F Apr .•` >f t'~~1~t ~ ~~ ts33 c O O '~ 11 ~~° ',~' ~ ~ ~ ~ j. $ rvr°rr° ~ ° m ~ ~ ~ r ey~`~ 't~ e a ° a ~° ~ qq i ° # F ~~~ NT,C~tALT ~.t~l ~' ~,~~, t:i^!~'f}~rl~li ~~ ~~s~~~t~ a !ro-lto-N~ I' c ° ° a o- ~ o- o- ~ ~ LDo not sltdgss or writ ttsiow this itts.~ View:I~ncfnve:•:MURPHY•:>:693539•>:r'~ppr~ivs::: :ck•~aj~i~ifai:•:•::<:•::•::':':::'::'::'::'::':::'::ii:::'::`::'::i:: ~~: •: .. Application Received: 03/28I2006•~ Time Received: 09:48:54;;;;; Application ID: 693530 Branch: IMPORT -1 :~'Y ~•:•'R~fa~s:::: .......... Source: 598 •;ir'i Cross Ref #:::•::•::::•::•::•::•::•::•:: Source of Repayment: :•:: Secondary Source of Repayment: ;:;i.F Product: DL -•Direct•Loan -•Vehicle loan.[23) • • • • . • _ . • • • • • . • • ~~~-'R :::•:R~Ca~s::• Application Loan Type:Regular ,~ ~i Preapproval? Coupon Code: ? :'i::% Signing Location: :.;:R Title First Middle -Last Suffix BRYON :':::':: ~P ..; .; .; ..:.: FE.URPHY ......~ < Name: ....:...•.:. E~"~ :.:..•.:.:.: , :: <.... _. Birth Date: O1 118/1982::'::'. SSN: 194.66.9458::::' •::::Ltiokw~s•;~ Total Number of People in Household: Citizenship: U.S. Citizen ~::~ Borrower Type: [Applicant ::`-: Souse of Borrower: `• ";%~ .~ . R.. p <No ~...~. .. .. Marital Status: - ~ Mother's Maiden Name: ~ CB PIN: ;;::;;::;~ ~~~ ~ ~~~ Email: BMURPH2333@YAHOO.COM~~•~~•~•:~~~•: AKAIFKA:<'~"'' •~>~~•~~ .......::`•.`E View_Archive 6/01/2009 4:25pm -Page 1 of 9 Foreign Address:: Apt l Bldg 1 Unit °~" "' ' ~ Number Dir Street Name Dir Type Type Number • Standard 232 :':: g ;~:~ 29TH ..;"'~ ~gT • •`r Rural Route Route/Military Type: ; ~~~; Number: Box: PO Box ........, ., .:._.., PO.Box: County: :~~; .. .. Line 2: :::: City: HARRISBURG ~ State: PA ~;: Zip: 17103. -- 1916 ..... _ Province: Country: Postal Code::•::•::•::•::T:~ :•::•::•:: Phone: (717) 856.4634:: Ext: 0 Residential Status: j Lives w! relative :~~~ Time at Address: a yrs ~ mths ..... ... .... Cellular: [717j 856.4634;: Best Contact Phone: rr: Contact Method: < ~• Phone number verified.~•: ~•::•: Address verified: ~•~ ~ : ~•~ ~•~ ~•~ Applicant s marling address is the same as the current address. ~ ~• • Collect Previous Address Information. ..: .:.: ~Unemp/StudentfHomemaker Position: < M g R 2 • • • • ~:.gctive duty military member::.::. ............. Employer Name: PSECU ;:: Phone: (717j 234-8484':: Ext: ... .. Cit : ~ ~'•'~ ~•'• ?~ ~;~ ~;~ ~;~ ~ State: F• Verification Phone: ' • • " • "" y ~:...: (1 ...:...:::::::::::: ... Borrower Code: 3Non-Employee Loan Time at Pres. Employer: ~yrs ;:10: mths Amount: Pay Basis: Proof of income received.::: ::::::::::::::::::::::::::::::::::::: ........ :;r. '• ~'• ~ • •'• ~ • ~ • •34028.00 E m • to ment verified Salary~;Gross....~: ,.: ;..:....:• ;Annually ;:.:. p: y:..•.:.:.:..::.•.:::;::;:: .::.::.::.::.::.::.:::::::..... :Income verified.::~::;:~:;:'•::•': .................................. OTlBonuslComm: 00~ ;Annually ::~: Other Income: ' ::::::::::::::::'::0.00 ;Annually :'.~ Source::•::•::•::•::•::•::•::::::•::;:::::::•::::•::::•::•::•::•::: Alimony, child suppgrt & separate maintenance income need not be revealed if you do not wish to have it considered. ;Cdlect•Previous• E mployment• Information.::::: Collateral to add: New car, truck, SUV, van ~: ':•:kdd•:: Value S td Adv Pct S td Adv Val Liens 130.000 0.0 : •:' •:E;tt~•:. ':~D~fef~:; ......i<..: T tl Collateral Value : :::: : ::::::::0.00 Exist Liens Not Refi: ':::::::'::': 0.00 Cross Pledge Balance : ::::::::::::: 0.00 Purchase Details S tandard Advance: ~ :: ;::::;:0:00 New Loan Request: ;:::;: 30000:00 Maximum Credit Limit :::::::::::::;:::::::::; 0 Selling Price: 0:00 D ownPayment: ;::;:::'::':::': ~ :0.00 RebatelOther Equity: :;::;::': :;::'::': 0.00 Net Trade InAmount: '::':::'::':::'::': 0.00 Standard Advance e: Loan to Std Advance: ':: 9900 Loan T o Value: 9900 :OfT Tax Rate (%j: ::;0.00000 Tax Amount: '::'::'::'::::':::::0.00 Title : ::::::::::::.`:::;:: 0.00 License: '::'::::::'::': 0.00 Amount to Finance: :; :;:::: ~ :::0.00 View_Archive 6/01/2009 4:25pm -Page 2 of 9 Creditor Ac_ount Number Payment Balanr_e Type Last Act Date PO Estimated Pa ment 445 30000 I Housin 200 0 H Ad ustment 345 0 A PALISADES COLLECTION L PALIATT6045286805 0 358 I 0312008 PSECU 1946694580009 221 11090 R 03!2008 PSECU 1946694580109 164 4789 I 03!2008 PSECU 1946694580207 216 9837 I 0312008 P S E C U 1946694580208 343 11094 I 0312008 S1 Debt Ratio: ;::;:;28 LC Debt Ratio: ;:;2$ S1 Proj Debt Ratio: :;:;44: Original Application Factors used in Automated Decisioning _ Housing Pmt: ;::;::;::;:;:200;00 Other Expenses: ;'-.'~.'.'~.'~.','~.:~','~.'~ T otal M onthly Adj: ::::;:: :; :345 LC Proj D ebt Ratio: ; ;44; Current Application Factors being utilized by Underwriter Application Loan Pmt: ;:;:;: ;::;::445: Total LC Pmts: '::':: :::944: Housing Pmt: ;: ~:;: ;::200; 00: Other Expenses: ',-.~'~.'.'~.'~.',-~.'~.',:~' Application Loan Pmt: :: : ;::;::445: Total Monthly Adj: ;:;::;:;:::;:;::345: LC Proj Debt Ratio: ;::;44; Total LC Pmts: '::::'::;::;::;::944: Monthly Income Summary Gross Income: '::'::'::;;;;:2836: + OT1BonuslCommission: ;~~. ~:;'~.'.;~. ~~.;~::~;~~~. ~~.','.'.'~~. ~.'~~.0~~. + Other Income: '~~.'~.''~. ~.'~~.'.;'~.'~.;~'~.'~.'~. ~:''~.:~''~.0~~. =Individual Total Income: ~::'::':;:; ;2$36: Combined Income : ::::::::::::::::2836: :~:~~it:~: ~:~:;:~ :::~:p'eselec#'< ~: ~::1'3rise3ect~d: Ratios Revolving Debt: ', Housing Debt: Total Revolving Line: ;; 3$8 Net Disposable Debt: ':;;44; Total S1 Pmts: '::'::'::;::;:;1244: Residual Income Summary Total Income: '::'::; ;2836: -Residual Adj: -Total All Pmts: '::'::'::;::;::;1244: =Net Residual Inc: '::'::': ; ;1592: Net Disposable Income: ~ ::::;:: ;1592: View_Archive 6/01/2009 4:25pm -Page 3 of 9 Product: DL • Direct Loan -Vehicle loan (23J •`~R a.. ..................... ........, ... # of Payments: ;::::;84: Payment Period: ?Monthly •:~•;f T otal Amount Financed: ~:':': 30000.00: Total CollakeralValue: ~ ::::::: ::::::0.00' Combined LTV: ;::;::;:;::;:999: Estimated Payment: ;::;::::;::;:445.45; Total Debt with Us: ::::~ ;30000.00' Current System DecisionlRecommendation: Approve;:::~:~~.~~.~':.~ Decision Party: Applicant MURPHY, BRYON P (194.66.9458>~ Application Score: :197; Cutoff::195; Score Summary: Borrower Bureau Model Score Missing Fields MURPHY, BRYON Ex Brian Ex Brian/Fair, Issac 0626 MURPHY, BRYON Ex Brian Li uidCredit Final S 197 0 MURPHY,BRYON Ex Brian Li uidCreditA Sc 34 Borrower Income Pmts D:I Prj D:I MURPHY, BRYON 2836.0 1244.00 Z8 44 Pull New: < ......--• ...............................:TR :':Jtilew ~'? ..........................~... ..i:i:::i< .................................................................................................................... .......................................................... ;Manual Loan Number :':~R Loan Date: 031281200$::::0 .. Loan N umber: ; Suffix : : ::::::: ::: : ; ;:; ; ; :: Disbursement Date: 03/2812008..:::0; Reported Amount: '::: : ::::: : 0.00 Maturity (Due) Date: 03!2812015.:::0: Primary Collateral Code: Vehicle loan :• .. ................., q , ...................., __.. DownPayment:~ 0.00 Funds Re uest:?New ~R New Funds Amt: '::'::':::':30000.Ot7 Payment Type: Installment ~R Interest Accrual: ActuaU365::~: Payment: ;::;::::::445.45: T otal R equested Amount: ;::;:::::::30000.017 Requested R ate: '::; 0:00000: Final Payment:::;:::: :445, 43: Loan Amount: '::'::'::'~ :':30000.OU Interest Rate: ;::;: 6.49000: Maximum Term: ',~•.'•.'.~•.'•.' + Total Financed Fees ::::::::::::::: ::O.Ot? + Total Financed Insurance: ':: `:::::'::':O.OIT Total Financed Amt: ;::; I nterest R ate Lookup: :• ~ ~` ~'~ ~'~ ~ ~'~ ~ _ ;::::30000: OD :........................... •: Calculete . .. .. • Use Decision party:. rate. Rate Type: ?Fixed :•: Lock ~ rate. Rate Lock Date: ~• Show Amortization Schedule: ... .. .. Coupon Code : .................:.:..:.:.:..:.. View_Archive 6/01/2009 4:25pm -Page 4 of 9 ..•.. Credit Life Selection: None ~: Plan: ? :•••: --- -- DisabilitySelection: None ~~: Plan: "`" Coverage: Life Disability <Applicant MURPHY, BRYON P (194:66.9458) ;y: Credit Life (Decreasing) Credit Life (Level) Disability Premium Paid in Cash.:: Insured Amount: ':: : ::;::;::' :':0.00 :':':0.00 :'::':0.00 Monthly Benefit: '::'::'::'::'::':::::0.00 :::':0.00 :'::':0.00 Premium: ;:::::::;::;:;::'::':0.00 :'::O.OQ :'::':0.00 Cost Per Day: ;::;i:::?:::::`:'::':0.00 ::::0.00 :'::':O.OQ End Coverage Date::~::~:>::::~::~:::Os :~::~ :~::~:~ Coverage Term: ::':::'::'::':::;lT ::'0 ':~ 0 Number of Pmts: :;: 84: Pmt Period: Monthly :•w:~ 1st Payment Date: 04l28I2008~ ;End of Month? DecisionlRecommendation: Approve::::>::~::~:• •::::~ Decision Party: System~::~::~: ~::~::~::~::>: 03!28!2008 09:52:28: Decision Based upon:..pplicant• MURPHY,•f3RY0N•P•(194:66:9458) :::::::::::::::::: Review ApprovalsBe!ow: ;:::195: Application Score: ;::;;197: Cutoff: '::::195: Review DeclinesAbove: V iew_Archive 6/O ] /2009 425pm -Page 5 of 9 Decision: Underwriter: Reasons to Override: Sti ulations: P Decline Reasons ::~liew ? 4ct:e'pY{~If< Field Label Value <XNET,XNETRE,XPHGNE,XPAPRE, XNET D isdaimer Answer AYES or CYES I ndividor J nt A I or J Denial Code .:.. Type: All :~: ~::•~~tdd: •: • •`.:•::::Vie~:~ ~:~• Account(s) With Us? Other Institution Name or Account Number: Member Number: Checkin : 9 Yes :~:~:: ........~.~; ~....... _ ~-' ............................ ............ . 0194669458 -~ :;::;:: 9• Yes . •... S avin ~ _1 ............................ .:..'.:.:..::.:..'..::........ :.Member? r-~^- ..: ......................... Other: ::`'r, .. ...:.:.:.:.:................ A licant Has Previous Jud menu "" A licant Has Previous Foreclosure ""' ....:•..PP:.:.:.:..•.:.:.:.:..•.:..•.:..:9•.:.:.:. ~::~::::~::~::~: ...::: pp•.:..•.:.:.:.:. •. •. •. •. •. •.:..::.:..•..•.:~:::~:::~: ~Applicank Has Previously Claimed Bankruptcy:-: View_Archive 6/01/2009 4:25pm -Page 6 of 9 PSE(L F7+j°~ Fh L t,t IiJr rl 1 t I ~ :,: 1' I I 1 L:i ,.n,,! D._.; ! .. '. , .. ~';ii . r ,5 the Plnn ~. ; ;A-. ~. ; ~.. ". _ .. , :irl ..,t;~-I ,n :•: ti~. -:!un. You your a~-'1 borrower ~; <•:in . , h ; . , .a i'I:ri. Credit union. sae our , i us r, i`.~ C' . , ~ ,. ,i , . ~. , Unrai tr,u.•:`cr ~i6J~-[_, ..Jer !i.,: ~'Irur HOW THIS Pl_AfJ WORKS - i i ~, :; n rnrl r r.rr ; 1 : s:ld I i~ `' .inbcip,rtc thF;t, I;r,i~~i ti nq I';' ~n,, i?u sir hur«>'.v nu:i ~y r,.idl 1 d;lvanr ' i .r'~.1',r me Plan. We are not required to make advances to you under the Plan anrJ can refuse a request for an advance at any time. Thn.. /lddendum rle.,.iibra the I rilfferent typos of r.redil (called ":;ubaccnunts") irvailab!e under the, Plan, thr: r.urrnnl interest rate for each subncrouuf uxpres;crl as a daily penrsdic i;i!e tin;l corresponding annual perrcntnge ode and other chnrgns_ It m,ry al ;r, have, r,ther teens and a schedule Gx rlr;h;nninuul the payment amount ,. I CREDIT LIMIT' - We may, but rio not have Gr, establish a crodit limit qn r,crlain ~ subaccounts. If a rredii limit is set for a subaccount, gnu promc;e not to rxcend the established credit limit. I[ you exrnod the credit 6rnit, you promise to repay i immediately the amount which exceed ;the crrdit IinY,t. ', REPAYMENT -You promise to repay all amount> you owe under life Piaui plus interest. Payments are due on the last day of the month unless we set a dif(erenl day at the time of an advance. If the Addendum etas nu payrncnt schedule fur a subaccount, your payrncnt will be delermincd at thr: tune of each advance. Payments must include any amount past due and -any amount by which you havenxcended any credit limit you have been given for a suhaccount. You. rnny 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 srhechrte. 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 flay manner authorized by us. If we allow you to use your ATMlUebil card to access the Flan, you may he liable for the unauthorized use of your ATM/Debit card. You will not bo liable for unauthorized use ih;~i ~~,,,; rc offer gait npi.jiy i,is, Urtiiy ni in wfiiiili~; (rf iii0 iu55, ii it:ft. yr pGifiie unauthorized use. If you believe your ABM/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 $`.iQ 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 payrncnt (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 I used to compute the finance charge is the unpaid balance each day after payments and credits to that balance have been subhacted 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, aH deposits 2rrd interest in all joint and individual accounts you have with us now and in the future. It 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. In addition to your pledge of shares, we may also have what is known as a statutory lien: on all individual and joint accounts you have with us. A statutory lien means we have the right under federal law and many state laws to claim an interest in your accounts. We can enforce a statutory lien against your shares and dividends, and if any, interest and deposits, in all individual and joint accounts you have with us to satisfy any outstanding financial obligation that is due and payable to us. We may exercise our right to enforce this lien without further notice to you, to the extent permitted by law. 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 .fn 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 i subaccount identifies a type of property (such as "New Cars") you must give that type of property as security when you yet 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 Plari and all other loans you ti~,• Lllnh 6R1`Uf r u IaUP 19C ). (! ;i, ;2 l.L 1 ,H' ~ nr_pr'.l'I i7 H~1 I~enrsylvania State ~mplo~ees Credlt_~!inon Loan Disclosures t', , ,. . _.._ , .. .. ... ,. ., - ~ , ~ j r,.. _ . i ~ _...,,i _ i;5 , . 1. ~ ... ~- .... , t- . f r VOLUfiTARY PAYf~EN1 PROTECTInrI - ., t,; ,.r" ,.,,~ f'r', ~ ! f''rr~:.'i n 'r, , ,r dur.,i , r;r, ri,, t r ,.._ ~i u r t , r a o :.r,ra,n -.icn.L J ., ,, : 2rri_,r lr:_.,ik ,:.ry yrtiu;f :t..CU,: -r'rirc ; ._. b; ,.; u~")Mall+r bU ~f ri ~ : i ';r: ~; rl~~. .il.'/ .' '.~'n , ~.,n:;~ r I .rs ~. ~. r,r ntr~r ,.n r u _'-P E:~iti,r- I,.ra ;cc "+I ccr , r„ i .., ,.dl ,, ,;u~r,,, .cni' ~,; ,cr,;rv cr 1.~:, i?cririrl r,f faro r~:ro;=:nry I~r dray li~~e h:~.r~. h~iLru:;:. I'~r, r,~ta us nl to ~Ir' .amine I!-,o `!'n5 ur in5uranr:e r.in~r~es rnny r.hr~ui0 m the I:;luot. if tlv, ,;;t r °i~ rlcs. ~c .vill prr,rvrr'o ,ray nntice~; rr,rluiied by applicable Inv: PERIODIC STATEMENT ~-On rt re~gul,u hasps ycru tmdlt;xe,ivo a stdrlemr,nl sliowr-xi all transartions under the Plan during Ihr~ prlnod cnven:d Iry the statrmr~r.t. Statements rind notice; +;dill I'rc sent lu you rat tha rnnst «x~ent address you have given us in writing. Unless applicable law r'erlnires ncticn to each joint biuruwer notica to any one of you will be entice to all ~ JOINT ACCOUNTS ~- If This ~is a joint ;recount, each of you is individually cSnd jointly icsponsible far poying ;dl ambunis owed. that mains we ran ~enlorre our rights under the Plan against any one of you individually nr rrgain;'d all of you together II you give us ineronsistent instructions, we crm refuse to follow your ihstructions. Unless our written policy requires all of you to sign far an advance, each of you authorizes the other(s) to obtain advances individually and agrees to ropay advances made todhe other(s). Any joint accountholder rnny 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 inrurred before termination. , FEES AND CHARGES - If you give us a security interest in certain types of property, we rnny 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 limo, 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 loari balance unless you pay them in cash. UPDATING CREDIT INFORMATION -You promise that you will promptly jive us written notice if you move, change your name or employment, or if any other information you providaii iu us chtlilije5. Upon our rerTuest, you also <:,yrcc^, to provide us updated financial information. DEFAULT -The /ollowing paragraph applies to borrowers in Idaho, Kansas, Maine and South Carolina: You will be in default i( you rlo not make a payment of the amount required when it is due. You will also be in default i( we believe the prospect of payment, performance, or realization on any property given as security I 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. tunes during any 12 month period. You will be in default it 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 /ollowing 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 securitybr your ability to repay what you owe under the Plan. The to!lowirtg paragraph applies to borrowers in aft 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. 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. 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 (ollowing paragraph applies to borrowers in all other states except Wisconsin I and Louisiana: When you are in default. vee can require immediate payment ', Y~. CI'SrA01 PSECU FORr,9 r21~5 ., -x X55Gt~?C37~2°~~2t ~_v91 LQANLINER Credit and Security Credit_Anreernent (continued) (rlcce?ratio t of . _ .. .. ~ I:.aiJ b t.r ice ur ., t'-,o P an '/cu ..a :a .n; , t yc::., co aen~i:.rns t r f ., ~ e 1 n,, c:e of t. 't ',; r r,~!r o.. t l '.dice c` a':;rle ;ar•t T"he folforving paragraphs apply to borror:'ers in a!i states except 14risconsin and Loursr~na: It i t , ~c -~~,r ~~I a ,,-u , ,• . .. 1 I r ;. i r.; ~t c f r I t - ~_ 1_~ ~ i 1-.e irl t- U r r i i_~ t h,,<L~... .h. ,pu ,l ai yrlepi,t,~.n L_~I{'::I ..,-i.:,~, t ,~, ... :1, r i.G 7!. `. t"i .. ;t::~7._ ,...:'J -.-~ .-, i_.) rx%:~rr "uY Jr .. peon t.y i .~.. ,. - ~ .~c., =: ;':r. t ~r,,I <r-,rr:a ti C eel t I)e~an •~,t> ~ ig1.t t~ ro ; t ,sir; r f r,y {'r I r t~ .I^:r~n d., ~u,:;i,iy a ~~r,~.~ i". , P,..:'~. .. .( u~, ~i,r ,.,,...._. f t~...ir .,,n bu 1 ; .,. ;', I' F preach of lie pt.~rce I .,c a°.k vr,u luort se b dr.lvcr ;he piupoity at a ti r° ,,!irJ I, ar.e wr; choose- If thr, propauy h a nIO ~~ :'oll~,cl! or bo,;[. you arlree shat v.e n ry obtain a key or o:!,er dedice nocessr:ry 'o uniot~k ano oporrac it. wr,~e:n you irrc .n defau'T lNe will oat be rosponsihlo ',or eny rtthrr propi~rty. nr,it rovcrred by this Agreement, that you leave Ins;de the property or thr,t is atlachal to the jrropr;rhy. Wo will iry to return tlIat property to you or make it availablo far you to claim. After we have possession of the property, we can sell d and apply the rnonr:y 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 born the money rocr_ived tram the salct. Those costs may include the cost of storing the property, preparing it (or sale .uxi attorney's fees ro the extent permitted under sttte law or awarded rmder'the ftankruptcy Code. You must pay any amount that renrrins unpaid aftor the sale money has boon applied to any unpaid balance under the Plan. You agree to peg interest on That amount at the j same rate as the advance, or, if applicable, at the default rate disclosed on the Addendum, until that amount has born paid. The following paragraph applies only to Wisconsin borrowers: When you are in default and after expiration of any right you have under applicable stag law to cure your default, we rosy 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 chcx~se, or we may seek to take possession of the property by judicial process or any other method authorized by applicable law. 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 r..osts permitted by Section 422.413 of the Wisconsin 1, Statutes. You must pay any amount that remains unpaid after the sate money Etas been applied to what you owe under the Plan. You agree to pay interest on any unpaid i amount at the carne rate as the advance, c,r, if applicable, at the default rate disclosed I on the Addendum, until that amount is Pald. - If the property is located outside Wisconsin at the time of default, we may take j possession of the property without judicial process, if permitted by the state where the property is located, I The following paragraph applies only to Louisiana borrowers: When you are in default, we can require immediate payment (accelerdion) 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 qwe 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 i can also exercise any other rights given by law when you are in default and our rights under any security agreemems you have with us. I 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 j 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. T.he lopowing paragraph applies only to borrowers in Wisconsin: We can 1 change the terms of the Plan from time to time in accordance with Section 422.415 I 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 farms 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 halances only it 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 .• A~w4. ~. -. .. _... ...... ._..._ -. ... t:,r r.",.. .. i',tr _ ~.a't .,-I ., t` ~ u,u- ~'r-.r ., --. ~ ,-_ t'~., r:, rtl ant 07 _lt ;'- iu {~,.~ r3 ,:nl ,i., ,'.:I '..r i'1_ f ~ 1_rri, ~.f e F d' ~ "i-u.;~ ..r_ti-H DELAY IiJ ENFORCING RIGHTS AND CHAhJGES IN THE PLAN -- :':<: ,:;. ~;.. , ~.;h ... ~ _ .. tit- .. ~,~ .... i _ ...r i r,cl,, - r~ L~",r f :6_; I ,.,, h:: I i", :cu ~ ._ I r 1 r - ~,v ~ i'I%rn CONTINUED EFFECTIVENESS I',r ~,' i.1 t ;, r:;' r t M 1 t'. !il i.`O t ` Loy r~'~t ,: I i-..~t~~, . .,ct NOTICE TO UTAH BOHR0INERS - iti i"i: n..i .r teal a ~. ~.i :..{, .-.,~i ~ rd t-~e greenlunt t r 1 u t you ~.',I C -url t U ~on- ~~ 'rn°;; i a.lre;cnr.nt miry not t;r; C )~~ ~,ulirt 1 Ly rvirl ~nr.o of a r :ri ay c r;nt. The following is required by Vermont taw - 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. USE OF ACCOUNT -You piomise to use your account for consumer (liersonal, ' family or household) purposes, unless~!he credit union glues you written permission i to use the account also for ayrirulturd nrcornmerr ial purposes 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. I 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 i receive for an advance ("the Adyanre"). 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 i ~ property which you buy within 1U 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 havn, 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 rr;ceive et the time of the Advance and any extensions, renewals I or refinancings of the Advance. It also secures any other advances you have now j or receive in iiie iuiure under the Plan a-d any ether amounts ar loans, I, 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 ny the Federal Trade Commission Credit Practices Rule, the property will secure only the Advance and not other amounts you owe. OWNERSHIP OF TFIE 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 i 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 I 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 yet and pay for. You promise to make the insurance policy payable to us and to deliver the policy or proof of coverage to us it asked to do so. If you cancel your insurance and get a refund, we have a right to the refund. If the i property is lost or damaged, we can use the insurance settlement to repair the , i 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 i due under your insurance policy. You also promise to pay all taxes and fees (like I, registration fees) due on the property. 1 If you do not pay the taxes or fees on the property wheri due or keep it insured, we may pay these obligations, but we are not required to do so. Any money we spend for taxes, I fees or insurance will be added to the unpaid balance o1 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 insurancecompany's payments to us and (2) the cost of determining compliance I with the insurance requirements. If we add amounts for taxes, fees or insurance to the unpaid balance of an atlvance, we may increase your payments to pay the amount ; added within the term of the insurance 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 I, property. The premium for this insurance may be higher because the insurance LOAIJLINER• Credit and Security Credit Agreement (continued) cornparry I~„ arc: ;i~,,r,i u~ ~~ iv'1 .G j'_.i,a ro° ns,,r t it :i`tu' :rni:._r ~r. ~~~! &te-al ; Icst or c~ ~~:: The insurance will. not be liability insurance and will not satisfy any state financial responsibility or no fault laws. PROTECTING THE SECURITY INTEREST r ~::: ~ t ' tU i %t ~ l ~., i 1' _. :IE;r,, i rr F; r;t I C, ,. : r r_u 'y ir,t._ Pe,';'..I ~,-, c18imS 2f _ i; ,..,~•~ I r.::i^.r", ,uth ~_ lis .~ ..,r,~.,`e C, .;r ' eiu:ri. f .~r i hctb;• ••t f0~ •: r ru: , _~ .I c~:xr',:r~•:r~'~ ~~~r , n ,n,i~ r , .: n': pu ;ua~ : U h-: ur,.`.~ i. ;'.e~r ~. .r. ,~.~.,_,: ,LiGGI ~. ". it ~ _::I • r ,- (t;., a~.,; promise tr ~„ :ha;a~~ ..,- r:r ~ nk .. -,.. ,rf~y : ~ pc,;rrt '.r .,':c,r y:n;e~,,->t r, Irt 1. , rr'/ -., ~ ., , J!-, .. .., ., .t ,,.,. .d:1',. ~,~ ;r7:..,., ,,,~_ ,,,n .~ •~ - -. fnc . v:e rrcur ii prctr ~. il air cu~~i:y nr,,rr~st nr1 "r;;fns n tc~a f~'r pcr'y ,u :n~. ezten! t~er;ninea by al I i tbk: USE OFPROPERTY U'.tr. Ir.. .1l V6111.r. ! ~,; t,ec,n p%, iii r, ~nr. pn„ i.r~ yc.~ ~cil (1) Use tl•,e property ca~of,dly rand keep it n rood repair i2) OhG~ln r~ur •nr~ttur, permiss'on bafnie rrmKuxt ~najr;r cfianriC, to tlx: prr,perty r,r changmci the ndcrr;s where the propurty is kept. t3) Intunn rls in w`iting hr,forc: rhang~ng your uddrese. (dl Allow us to inspect the property (5) Promptly notify us If the property is daunaged, stolen or abused (6) Not u~,e the property for any unlawful purprue. (7) foot to r~:title_ property in another ;fate vdithouf telling us. NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE - THE MOTOR VEIfICLF. IN THIS TRANSACTION MAY BE SUBJECT TO REPOSSESSION IF rT IS REPOSSESSED AND "SOLO TO SC7MEONE ELSE. .,r•i~: ~L ,araoul.Ir_ r-.~~ ro ~r~lE ~I_c.~RF~~ F~;.Farr ,•,F~F r~o~r RFCEI:~FO Ire -11h `hLF. GU f;1:~:v >J ,VF TO P."`Y ?H~ OFFEnFr.ICE NOTICE FOR ARIZONA OWNERS OF PROPERTY -- r ;. ~ - ~' ~c n 'ai 6? ~ _'~,rn d r,r r ~, ,.I L ~;,' .: ~'juct 'i: ,. r r _at - t s "i ~~r .. L ._.,r _ ~_ r ~ -. a -, ..I , .,. _ ~'r~ r _ I!,r: r ~~.. ri., , Ln•^.. ~i~._.U;~O For those members who purchase a vehicle under the DRIVe Program, please review the following FTC Notice: N_OT I C E .ANY HOLDER OFTI-IIS CONSUMER CREDIT CONTRACT IIS SUBJECT TO ALL CLAIMS AND DEFENSES. WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. jp'r, ,, ~ - '^ .. ..tn x sw-.ism > r n. 7.. e4 f iJ ~`~~if ~llp ~'1~~=~ sir `rFthit ~ u~ { F ~~( ~~ . .,.t~ ........ ......,..n.. Acd MC't --i:"uL,.~. ~.:.;,{., ..~,.: ... ~~ .~. .;.~.R ....a..,,. r.,~ .~... ,:~ .~.~ s:r.SS... rtw!,..~C 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 disr,repancies ar unauthorized transactions.. NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT. If you think your statement is wrong, ar if you need more information about a transaction nn your statement, write us on a separate sheet at the address listed on your statement. You are required to notify us ut witting within 60 days following the date on which we sent your statement wherein the. error or prohlr:m 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 fetter, give us the tollowing Information: " Your name and account number. ` The dollar amount of the suspected error. ' pescribe the error and explain, if you can, wfiy you believe there is an error. It you need more information, describe, the item you are not sure about. It you have authorized us to pay a credit card account automatically from your share account or checking account, you can stop the payment on any amount you think Is wrong. To stop the payment your letter 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. After we receive your letter, we cannot try to collect any srmount 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 dill 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 !an days telling us that you still refuse to pay, we must tell anyone we report you to that you ha:'e a ^y U:-'SIiOr! :•...,.. UI ~._.._ .,t;l!f it~lU, wry irrr,.~i ir~ii yirii iirr, iidrlie Gi aiiy'On2 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 wus 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 rnerrhant, 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 ttte property or services. In this Agreement, the words you and your means each and all of those who apply for the card or who signs this Agreement. Card means the Visa Credit Card"and any duplicates and renewals we issue. Account means your Visa Credit Card Line of Credit account with us. We, us, and ours means this Credit Union. 1. RESPONSIBILITY - It 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 i ~~ responsibility by notifying us, but we will close the account for new transactions d 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 roust 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 Card. 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 bss, 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 aself- replenishing Line of Credit for you and notify you of its amount when we issue the card. You agree not to let the account balance exceed this approved Credit Line. Each payment you make on the account will restore your Credit Line by the amount of the payment which is applied to the principal You may request an increase in your Credit Line only by written application to us, which must be approved by our credit committee or loan officer. By giving you written notice we may reduce your Credit Line from time to time, or with good cause, revoke your card and terminate this Agreement. Good cause includes your failure to comply with this Agreement or any 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, S. 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 rJew 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 _ ~. , X13, Visa' Credit Card Agreernent and Truth In Lertdinq Disclosure (continued) a) ~r ~.. ' you r r:..f +hr~i z0 un J ,:f Barg - t - , ~, ,t i r,. 'c nl .~, nr,., .,ilh; _, Shd'e (.r C.' u:Fi, r .1CC. ~.~rd ',: t'' ~ - - -, 't"lr Jr i,C 1. r.-- r :y f"Jig, ~.r',rp.iB Lr. {,:r; ~~ .. '! ~ i '.hrrr r 1. -'`f~ t e i'. rC {' r T , i ti ~_ B'd r, L:I ) ~.: tll i _ r;;( l he n tai nom pr,~ nc t dl he i nj r u al r c Gal r c, rJ,.~ ' . a r~ ~ . next CdEn l.adr. cr chi >~ ~_'0. .ra-lrU6r ~r~ .t::r I I~li.tr,n ,r r'j 1 i :n.:r f ,:,I [v_ .. [3-rr,r. .- (,. ,:~.i:r! r=~., (.r~:.,r li r~~. ~~CU u s ~~,,.r, I ,~ r, r;x i,_ rr;._ n :,~,~~: r-tand 'ti've .. ,tl'Ir/ { .y~~nc r ~ ui t"e _r ~ ain~ • -.,'ncr f. . L. C ~_..:s I[,.u fo:;,°; ihC•n to preoi-us rash adv.rnre5 t ,nlcr r cges 'hen !o I`r~.li.r, o-.:rc r~r,c fn-.rr.. ,.. r. n n ., ,ges, `'e'1 td ,..., _ ~t 12Lt: feC~, t^, t. .`. I-'~~u :Sh ail ,l _hrd:'nU'~ L''^n t~, ,, p wious ;rrchrrse b,nrin,es in lu. oroc•r that they ,dci , {-JSr• d +o ynr,r ru, n,~ :. thin 'o cu~r<;nt ri h rrdvanr ~..r,anri_s ;,n:1 •Iren rc c„rcr,t purrh;sr, h;dance:; 7. FINANCE CHARGES - Y~ru ran aVaii.i tl:e Flnrinr,e Chttrgc.:m l;u'cl'~::':cs h~; paying the full amrrrrl of thr~ New E3rdance r'f P-u'chrv;o.~ r_;ua' inrrrih ~~ ,ire ?i; clays of your statement rlosu ui slate Otherwise. thr; New Balnnre of Punato'.r. ~., ,urri liu: subsequent puichases Iran the date they are posted fo your account o'.ill be ~suhp;ct [o Finance Chr;ryu. Cash advancus are always suhleet to Finanr.n (lh-rate hrrn the date thoy are pasted to your account. Purchases: We calculate your flnancr; diarge by rnultlplying the average adjusir;d daily halance (see explanation belovd), including now purchases, for the billiny cycle I by the monthly periodic purchase rate and corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum. Cash Advances: VJe calculate your fin.un:e r:Prargc un cash advartres t;y multiplying the average adjusted daily balance (sec explanation below) for ca:'.II advances during the billiny cycle by the monody periodic advance rate rand i corresponding ANNUAL PERCENTAGE RATE as c'lisrlosed on the Addendum. Balance Computation Method ' Average Daily Balance /ar Purchases -The Average Daily Balance for Purchase Transactions is calculated by adding the Daily Balances (Purchase Transaction) for I each day in the billiny cycle, and then dividing by the number of days in the billing cycle. To calculate the Daily Balance for purchases each clay, 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 I to your account that deg. After applying payments and credits, we subtract the ~ amount of any unpaid Finance Charges or Late Charges. Then we also subtmrt the I amount of any Cash Advance transactions that posted to your account on that clay or ~ in any previous day in the billiny cycle. This gives us the Daily Balance fqr purchases. Average Daily Balance fns Cash Advances -Gash Advance Transactions which are posted to your account are nM included in the Average Gaily Dalance 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 Dalances (Cash Transaction) for each day in the billing cycle, and then dividing by the number of days in the billing cycle. To ralculatc the Daily Balance for cash each day, we take the following steps. We take the outstanding halance (all amounts you owe) at the start of the day. Then, in the sequence in which amounts i 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 rf any Purchase Transactions that posted to your II 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 !I finance charges and from the day they are posted to your account. I 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. Note also that if the total of the payments and credits which are posted to your account by the Payment Due Uate shown on a siaterneni 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 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 ii you default, subject to our giving you any notice required by taw. 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 Rvo 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 ~..-,h ~a1„r 'r ~~ ,=ra't . I u;. . v:rll t, _: ~.n'i:•ruY. - -; ,h y,~.l -..vrf Ti : '= ht;r is .o rr-„plo'~ t - ,;zra :n '..,.. ..ea Ted, t,t~t, hi ~ ~i cr'_ r t. pc. ~_ ~ ~-...., . , . t -.I ,grit i~i r.r: r_i~~ ...,. -., ., __i i0„. ri .,'11;r''- u_. -. .r1Ll'C,l a'J'alrt, , I, Gil ~ ..,. _'i~. t,. I-. I~~.J~r ., { .-:!' ~ .1:....I r ~.. ~r.l I,.i7. 11'C _7 O'ti,ly . t rrc J hi: '~ . -.:r:. J'i r ._:r to -_. f~ 'ft~ r r„r... ~ i , ..,-q f f ,; C-Cnl rini.,n ~"~.1'i 10. OVERDRAFT OPTION - I .. i ., . , .':+'i~ i,r•t t ~ ti„_ r ' 3r CU .t Vii=:sir' C.; (; rhrt' rlcx; i~rt _ul.; ,,. tJ ',r~; .. t r'J r.._ ~i, hen t rr .. the a.~r : t :.'d it n~ r .-,t; ., 1.r i r.Ur ('_ I~-~ltn CI; riCy -:1 til,J 'I~ 1.,: .,i I!Ir~ r :,r(1rF1rL Yri~ ci~~ar~ unrL st<rul ~h.d =u' ovr d at "; ill f r,n~,; r_ ~crl f`v, •_,, ,J -rs a r.., . .idrranr, ; c•n yc.rr P'FGU Vint C''t;dJ C?.rCl ,irnJ ihrrt Ilte r- r ',:ni =~~r;n 1.r' f'racr n rr:'; Ilrr'e ''~~ casrr , i!1v:v~r Fa e:lll ;grl:iy. 11. RETURNS AND ADJUSTMENTS-ftr -,tr't ,;h,,r -tohon rli cans rn ay give ~a drt '.x returns and rdj,tsrnCnt. ,u ;i I c ,~ .,,II rf r _ t ' y ;r rolrng a rr credit slip =n~hicYr we will post io your Visa hoe r~i r.rr;d~t If your ~rui~t and payments exceed what you owe us, wo will autornrrtlcally past tl,,: excess rrodd balance to your S1 5haros within IS d,{'ys It the balance is ono dollar nr more, upon yoarr written rogue t, we will rotund Iha credit halrrnaa to you. 12. FOREIGN TRANSACTIONS- the cxcftang~, r,de between the trruuautian currency and the billing currency uved for processing Irdernntional transactions is a rate selected by Visa h'om the range of noes dvrulablo rn wholesale rurrenry markets fortho applicable central purr:cssing date, which rate may vary from the rate Visa dsall receives, or a f'love:rnnu;nt~niand,ded rate in eifuct for the applicable central processing date. In each instance, an adjushnr:nt may be assessod based on the ISA foe imposed by Visa. This fee generally totals 1"~ of the transaction amount. In all cases, we will assess 1°~~ on all transaction cimbunts where the merchant country differs from the country of the., card issuer. 13. DISPUTED TRANSACTIONS - If you disagree or find an error with a Visa I transaction, and have tried in good fadh to correct flu; problem with the merchant or the cliaryes are the result of unauthorised or fra~.ukrlent use, or your pw'chese cost rndre than $50 and was made from a plan merchant in your state within 100 miles ~ of your home, contact PSECU. You are inquired to notify PSECU in writing within 60 days following the date on which we sent your statement wherein the error or problem first appeared mgardiny rimy discrepancy or unauthorized transaction nn your account. Telephoning PSECU does not preserve your dispute rights. You may i be required to provide us with documentation to support your dispute claims. In addition, you snag be required to complete a standard dispute form outlining the riotails of ynru' disnute In rases of fraudulent card use. PSECU will also require a notarized affidavit. In some rinses we snag asK you to notify tiae focal authorities. If we do not receive the proper requested documentation in the tune specified you ~ may be held responsible for the transaction(s) in question. PSECU must adhere to I strict dispute timefrarnes set forth by Visa. 14. SECURITY INTEREST - To secure your account, you grant us a purchase money security interest under the Uniform Cornrnercial Code in any goods you I 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 i this account only, we will not assert any statutory right we snag have ii you are in 1, 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 'I those other security agreements, except for your home. 15. EFFECT OF AGREEMENT -This Agreement is the contract which applies to all transactions on your account even though the sales, cash advance, credit or I other slips you sign or rer,eive may contain different terms. We snag amend the Agreernent 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 j to your existing account balance as well as to future transactions. 16. LATE PAYMENT CHARGE - I( your Minimum Payment is not received by the ' first day of the month following your due date, you will be subject to a $20 charge. 17. RUSH FEES -You may incur additional charges for rush processing and rush I delivery of cards and/or PIN mailer. 18. DRAFT COPIES -You may incur an additional charge for transaction summary/sale draft documentation. 19. COPY RECEIVED -You acknowledge receipt of a copy of this Agreement. j 20. ILLEGAL TRANSACTIONS PROHIBITED -You agree that you will not use j your card for any transaction that is illegal under applicable federal, state, or local law. 21. NO USE -Inactive Vlsa accounts that have no purchase or cash activity magi be closed without notice to you after 18 months of no activity. i 22. 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N~OMI~OVJ ' U O v,n o u v -p [~ ~~ 00 a0.p.p (~~ V'M NN^-~ OPPOp r. r. r. ~o ~ONIAR VMMNN^ v E.'L aO1` ~ e 'p b. ~; e ~ j ~ 7R<~V'~ ~?VSt.eYV NNNNNN NNNNNN NNNNNN ~ NEEy'o~;~' ~mNoa~ U 000000 000000 000000 000000 000000 a ~ d >` o o.c v~._ ~ E~ ~ ~ D N CO"D ~ i• o E »~ ~ O a p N MVU)~O IOW PO~-NMV u1 ~O r.00P0 4 N O c ]..:..o ] ~ >,O c y v O NM'7 u)~0 r. a0P000 000000 0~-~-~~~ ~~r- ~N t am o E~ ~ p o ~ O. ma j p ~ Fw- PPPPPP PPP~~~ ~~~~-~-,- .-'-~~.-~ ~~~^~r- °o °4 E vo,~ ~ ° o~c aims a ~ ~ w~.~ pQa O > ` ~.~ ~ Op ~ ~M~OMNO VJOU)--r`00 u)M ~MU1M f`)MU1 ~O U)P Or-~7r`o0M N 'o- ~'- >O w P00 ~O U)~'M •-OPOO ~O U) RM N~OP Wr`~O U1'VM MN~-00•P ~ ~'$ v.a`"'o ° o o] s E-g•o ~ F- nr.r,r.r.r, r_,r.~o~_o,o~o ,_o,o~o~o~oln (n!nlnln~r7ln cnv)!n(nvv '^ E E v O o'f'O c ~ O ~ ``„O ~' ~ 000000 000000 000000 000000 000000 U s yao)00^ 3 OC O~OMO Q d ~~'~ ° ]^~ y j ~ o E ~O , ~ ~NM CU)V) I~nOPO.-N M~(~~O I~CO Poi-N(')V h~O I~NPo a ~.v,L^oo>°oN o 0 0~ ~coN Z,w ~o~o~o~o~o~o ~o•o•ol.r,r, r. r.r.r.r.r, r`aooowoooo ooaoaocoaoP _ F- ~ N j?)wt OQ u NyC- U j Ow ~ J ~ ~ O' ~O N m O O O o y O ~ ~PPM001~ NOOVMO NNPV •000 Nut VJ r`VO POO CO I~ODP N 0~:~ O~ ;= N e ; ~ w ~~r. et0~0 NO`OM000 u1NPr. u)N OD ~OVM~- Wr.NM NO - o)F"LL ~L NSr,U ~ ~y a~ u d F- u)u)V~VM MMNNN~ ~-0000 OPPPPP OO OD OO CO 0D 00 V NNNNNN NNNNNN NNNNNN N~-'-.-'-'- U ~ a o y m"-p'^,n ~ cs 0 ~ Q-; aJ 000000 000000 000000 000000 000000 ~ O N. ~ ~ Oo' O N N~ E ]0 ~ ~ o o v o'H~ ; S _ = N O O c O c~-: o- c ] x w a NM ~u7~ I~cOPO~N MVU)~O r. oo PO~NMV NVJ I~WPO ~ O-O >O n 3 00 v ~ ~ c aEi~O c w NNNNNN MMM7vV' 7~?~v~ cu)u)u)u)u) u)u)u)[~u)~O ~ o ~io`oNOEox.> Vic]^~~.n dt- v o ~ ~ c ~ ~ m~ N Nv E°~ d ~~ u c o.~- v c ~cPV m - ~ ,~~~~ `o o`o~ ] % o cLO ~o `c ea u ~~ O N u c O c0 u ~ 0 3 0 N ?'~ ~ w OOOPNP n~0o00N ~N ~~~~ QN~^MOMO ~~~M07 q - a O y c ,O O o > oc`?s E O E ~ ~w 0 I- OOOMV]r. MOCO U)QN OPr. ~O U)7 MN•-OOP OO CO I~l~~~0 ~ W ~ ] p O.~ o `O O(V ; N ~'Ln >- N c ~ OOOU)u)u1 Nu)sf~Q~ NNNNNN NNNNNN NNNNNN ~c~ ~~Es v9-c~dc y~~~o.E pN 0 000000 000000 000000 000000 000000 a~°m ~-~-°5oao3c Nvp=ate ~ 5 o) _, O_o c c O u v N O v w r-NMVln ~o r.0pP0'-N MV'N~O r. oo PO~NMV NV)r`cOPO U of ~ V H )-.._;_ ~ 3 h ~ O 2'7_ O_L ~ ~ ~~^ ~~.-~.-.- .-NNNNCV NN NNN M. d O c O EXHIBIT "E" ~~~~' -_ - :-----Ty+ t+.n~su~x+icn.. ~~1 v~'.a: -rain, r.: r ~ I..:J.i44 ~ ~>L1~i.1a ~~~ ' . f ~ 1 `.~ ~I :7fi;.f' ~ (t~~ ~ yl~-~7 ~ ~,I ~ ~' ~ Rv ~ 9 ~ i~~ `'~~``'~ CERTIFICATE OF TITLE FOR A VEHICLE ,' ,. ,~ =~~~~ 4 4 ^ i4 ,`~:~I° ^91549999QQ458^-Q[31 ~~:~,'` JA3AtJ$6td89UQ~1?44 ~ 2D09 MITrU$I~HZ VEHICLE IDE^dTlr!C~~"c1N NI::!8ER ~ Y6?R .'aAKE CF VEHICLr_ ~~~ sDN j Cl I I 4/Cl9/Cl8 ':..p'~~. RODY T'/PE I DUP SF;,T CdP PRIOR TITLE ST.A T E CDOht. PROCD. GATE ::1 {~_'~,_-~ 4/EI911J8 41f39/Q8 ((.,, ~,:,_'.t .^. P.tF P:1 T;LED : ~ l : DAi E OF 1551%E llF 1ADEN WEIGHT GVWR ~ : ! 3. V~ ey~- ''`rkkr"" ~~ f s~~~ i !' i~~ 'i G y- ~, - f:=(:~s~;:; '[ ii REGISTERED OWNER(S) I~ BRYON P MURPHY ~v' ~ ~ ~ ____ 1502 BRIDGE ST APT: B Ii NEW CUnBERLND PA 17~7Q FIRST LIEN FAVOR OF: PSECU FIRST LIEN RELEASED DATE Dv AUTHORIZED REPRESENTATIVE MAILING ADDRESS PSECU P 0 BOX b7Clb 3 HARRISBURG. PA 17106 SECOND LIEN FAVOR OF: ~ 658391978D1 Ml! TITLE NULIP:ER Ir7Ql3©CI6 D ODOrd. G11LE5 CGCf:1. STATUS GCWR ~ TITLE BRANDS ODOMETER STATUS 0 -ACTUAL MILEAGE 7 =MILEAGE EXCEEDS THE MECHANICAL ' LIMITS 2 =NOT THE ACTUAL MILEAGE ~ 3 =NOT THE ACTUAL MILEAGE-ODOMETER TAMPERING VERIFIED ' 4 =EXEMPT FROM ODOMETER DISCLOSURE TITLE aRANUS A =ANTIQUE VEIIICLE C =CLASSIC VEHICLE D =COLLECTIBLE VEHICLE F =OUT OF COUNTRY G = OiTIGINALLY MFGD. FOR NON-U.S. DISTRIBUTION H =AGRICULTURAL VEHICLE L =LOGGING VEIIICLE P = ISNYAS A POJCE VEHICLE R = HECONSTRUCTEU S =STREET ROD T =RECOVERED THEFT VEHICLE V =VEHICLE CONTAINS REISSUED Vlpl W =FLOOD VEHICLE X = ISNJAS A TAXI II a second lienholtler is listed upon satisfaction of the first lien, `Ate llret lienholdor must forward this Title to the Buroau of Motor Vohlcles with the appropriate loan arvl tee. SECOND LIEN RELEASED DATE BY AUTHORIZED REPRESENTATIVE I cenity as of the data of issue. the olticlel rxords of tho Pennsylvania Department of Tronsportation reflect That the person(s) or company named herein is the lawlul ownor • • of the saM vehicle. SUBSCRIBED AND SWORN TO BEFORE ME: iQ !:(n 1~ „r,,,,.. rsii"en ne:any inakas aP(>iiw4on lo, r-enn:cale cl Toe m mr .emc;a n~sniuho s~ujacl c c,: orc.:nd;:anws ann ou~ra Ienal cl.~:os sal Irnm rer. W !~~ S:CNATURE nF APPLI:;ANi OR AL~THORI<ED Slu':ER N N ~ ter:^:nTJ".~ OF CO n~PL:CA::T I";' OF AUTHOPIZE] ">I~I,ER _ xsss:uxsaisiu:szr r~ - .; r:•3~...~dA''"...2~7~1:.>>s~, _~ir^~~~'ecarriaTT:'.Y3~^~~• ALLEN D BIEHLER Secrclary of TranspoAation If a co-purchaser other than your spouse is listed and you want the title to be listed as "JDinl Tenants With Right of Survivorship` (On death pf one owner, title goes to surviving owner.) CHECK HERE O. Otherwise, the,•title will be issued as "Tenants In Common" (On death of ona owner, Interest of deceased owner goes to his/her heirs or estate). IF ND LIEN, CHECK ^ IS THIS AN ELT? (IF YES, FIN REQUIRED) YES ^ ND^ 1ST LIENHOLDER FINANCIAL INSTn"UTION NUMBER: 7ST LIENHOLDER NAME 1 j STREET ~ CITY STATE ZIP IF NO 2ND LIEN, CHECK ^ IS TIiIS AN ELT? (IF YES, FIN REQUIRED) YES ~ NO^ 2N0 LIENHOLDER FINANCIAL INSTITUTION NUMBER: 2ND LIENHOLDER NAME STREET '~ CITY STATE ZIP (TYPE Ott Pf~IM ~; : r,:r.._ _ +:I 1 i,le rrw: t i:~ sul I I ~.I-J '::'~ ~I'1 i!0 dais. unless the pw .r Is a reyist~~red dealer holding the vehicle for resale. q 1 /~ n' I `' ~ E .'li I L4. F vlll.RE I I r 1 (~u ~T? E THc II F~+GE IN CGMtJECTi~t! I I ti Tr E I R~?PJSFER OF 04:'NERSHIP. FAILURE `1 'J i'1R I V i ~ V ~ '- ~~TE i,n r ~I .G FA.L__ S .~, '_f. LI ;Y Pt..ULT I?J F P:Ea OF i:':'rf I ~J ; ter. _.. ": jA, ASSIGNDdERIT OF TITLE - L'`T FIRST LroDLE N.ar.:e .._c;^ .-.;I:E;:: i.-~.,~.:~>r. .-Ja,.,r,: nr.~.r~~-. _,..,ys _._ _ ~LSr.ES~u..::E r- _.:.;~~.~ c._-.. .a as ,. 'or,.. sl ~ -~~ r,r,:a, __ _ I r..,r _ _ :r~~ ,. ,_' _ _ r .c~.ar.:c .. ~. I E :; E ;_- t'F j 'r5 I ~.: ^.c 2 yr susscriBE~ ,~r;~: s'rroi;ra SIB-" Is n I G -- CR D!N TG REFO~E R:SE I r.lr ,:: /E •H ~ ry:y,: E i f~..TJPe ~, _ ,.. gin.;, G r.?~JN 4 fl ..., ~-~ r i~:~Tri __ 'i GO PURCHH H SIG^I O.TURC_ I J' I PURCHAER AtJU:OR u ' I. HANDPRINT rIPIdE HERE , ___--______-__.-__-__._.___._-___-_--_ I~ `~ , SION,~Tl1RE OF SCLLEH O ______ __ _ Q - c G i SIGNATURE OF_CO~SEI LER ~ SELLER ANDlOR CO-SELLER MUST ~ HANDPRINT NAME HERE C - .. r I/We certify, to the best nl my/our knowledge that the odometer reading is LAST FIRST MIDDLE NAME rENnls __ __ _ _ _ x miles and reflects the actual mileage nt the vehicle, PURCHASER OR Fuu BUSINESS NAME unluss one of the following Uozes is then-ked: ff~~II RePecls the amount of mlleagn r Is NOT the actual milua~e C~ CO~PURCHASER I_I in excess nl Its mechanical limits WARNING: Odometer dlscrepancy STREET IANe further certify that the vehicle is froe of any encumbrance antl that the ownership is hereby ADDRESS translorred Io the person(s) or the tlealer lisleU. _- ---_____.-___._ __- --- - --- CI7V SUBSCRIBED AND SWORN TO BEFORE MF_: STN'[ ZIP PURCHASE PRICE MO. DAY YEAR OR DIN SIGNATURE OF Pf:HSON ADMINISTERING OATH PURCHASER SIGNATURE W CO-PURf11ASER SIGNATURE ~ PURCFASER ANDIOR ~ CO-PUICHASER MUST HANDPRINT NAME HERE O a Q S_If;NATI IRF r1F C_FI.I FR (A HANDPRINT NAME HERE • t t • t ~ ~ INye codify, to the best of myPour knowledge that the odometer reading Is LAST FIRST MIDDLE NAME Tr.NTHS _.. _. ___ _ __ _ __ X miles and nrflects Ihn actual mileago of the vahirle, PURCHASER OR F-ULL BUSINESS NAME unless one of lho following boxes Is checked: - ~~~~II Reflects the amount of mileago Is NOT the actual mileaggo ~~ CO-PURGHASER t_I in oxress of its mechanical limits WARNING: Odomerer dlscrepancy STREET I/lNO further certify that the vehicle is free of any encumbrance and That the ownership is hereby ADDRESS Imnslorrod to the person(s) or the dealer listed. - CITY SUBSCRIBED AND SWORN TO BEFORE ME: PURCHASE PRICE MO. DAY YEAR srarE ZIP OR DIN __ SIGNATURE OF PERSON ADMINISTERING OATH PURCHASER SIGNATURE J Q W (n CO-PURCHASER SIGNATURE R ~ CO PURCHASER MUST Q HANDPRINT NAME HERE a Q SIGNATURE OF SELLER ~ SELLER MUST HANDPRINT NAME HERE • L ~ ~ ~ ~ INVe cedity, to the best of mylour krxlwledge that the odometer reading is _ LAST FIRST MIDDLE NAME TENTHS __ _ _ _ _ __ _ X miles and rellects the actual mileage of the vehicle, PURGHASER OR FULL r ~ Bl1SINE55 NAME unless one of the following boxes is checked: ^ Reflects the amount of mileage ^ IS NOT the actual mileage CO~PURCMASER in excess of its mechanical limits WARNING Odometer dlscrepancy STREET IrWe further cenify that the vehicle is tree of any encumbrance and that the ownership is heraby t f th d t h tl l li ADDRESS - rans erre er o e person(s) or t e ea sted. -- -- --- -- - - SUBSCRIBED AND O ~ CITY RN SW TO BEFORF_ ME - PuncHasE PRIGE STATE ZIP MO. DAV YEAR OR DIN SIGNANRE GI_F'cHSON AUfvfIrJISTENNG OATH PURCHASER SIGIJATURE J Q W (n CO-PURCHASER SIGNATURE W GORPURCHASER fvWST m o p H.7N_nPRINT NAtdE HERE - - - a v ~I ~ Q SIGr:FTURE OF SELLER g ~ I ~ j SELLER f.10ST HA,VDPRLVT NAt.1E HERE n j I ~ CHECK' HER4~ IF APPI ICA71l1N FC7R f1t=Al FR TITI F Ahlfl C(1AAP1 FTF CFCTI(1h1 n 71TI tnlr root E D L 0 i ~ I ~ i N v U i C _. ~ 1L i ~ m (n N d d d (D N a m rn N N Cn w m O Iv n O C (D (D w C N w m N w w CD a m O 7 rn w N `~ w N O N w C fD ~' (D C O O 1v N w o' 7 EXHIBIT "F" ~~~~ ~T PSEC 06/04/2009 Via Certified and First Class Mail BRYON P MURPHY 1502 BRIDGE ST APT B NEW CUMBERLAND, PA 17070-1183 NOTICE OF REPOSSESSION AND RIGHT TO REDEEM You are hereby notified that your 2009 Mitsubishi Lancer VIN# JA3AU86W89U001744 has been repossessed by the Pennsylvania State Employees Credit Union ("PSECU"). You have failed to pay the 03/21/2009 installment due under the above Loan and Security Agreement (the "Contract"). The motor vehicle is currently being stored by: Richard & Associates, 3999 Spring Rd. Shermans Dale PA 17090. (717) 241-5884. You may redeem the motor vehicle and terminate the Contract by paying. the following amounts on or before 5:00 p.m. on 06/19/2009. Unpaid principal balance $28,075.57 Accrued Interest $1,163.91 ADDITIONAL COST IF REPOSSESSED MORE THAN 15 DAYS AFTER DEFAULT Repossession Expense $350.00 Storage expense @ $20 per day (6/4/09-6/19/09) $320.00 Late Fees $45.57 Total Cost to Redeem $29,955.05 Payment to redeem must be in cash, certified funds or a cashier's check. We will sell the 2009 Mitsubishi Lancer at private sale sometime after 06/19/2009. The money that we get from the sale (after paying our costs) will reduce the amount you owe. If we get less money than you owe, you will still owe us the difference. If we get more money than you owe, you will get the extra money unless we must pay it to someone else, or use it to pay other loans you owe to PSECU. You can get the property back at any time before we sell it by paying us the full amount you owe (not just the past due payments), including our expenses. If you want us to explain to you in writing how we have figured the amount that you owe us or you need more information about the sale, you may call us at (717) 234-8484, exL 3116 or (800) 237-7328 or write us at PSECU, P.O. Box 67013, Harrisburg, Pa. 17110-2990, and request a written explanation. You should also contact us if you are unable to pay the foregoing amount in full prior to the above deadline. PSECU ~ allow you to reinstate your loan, if you qualify, upon payment of the arrears and additional costs only. We are sending this notice to the following other people who have an interest in the collateral listed or who owe money under your agreement: (Names of all other debtors and obligors, if any) You have 30 days to make arrangements to take possession of the personal effects found in the vehicle. Failure to recover them in this time period will result in disposal of such personal effects. Sincerely, Jodie Ross -'' Account Advisorpennsy[vania State Employees Credit Unicsn ~' _ Main Address: 1 Credit Union Place, Harrisburg, PA 1 71 1 0-2990 • 717.234.8484 • 800.237.7328 Mailing Address: PO. Box 67013, Harrisburg, PA 1 71 06-701 3 • 717.777.2100 (TDD) • 800.472.1967 (TDD) ~:seeu.com This credit union is federally insured by the National Credit Union F~dministrafion. Equal Opportunely Lender (A c i W ~ 1 N Q Z N 0 A 0 N A f~ C D m N ~~ I A l m ;Z C s~ m D D n D a O LIl i ~ Cis N O O O O -.] ~~ L, ~ W JI N ~"~, O 7 d ~ y~y V Y ,. x z ~o .~ v -~ b ~ Y .r --! O ~ A W ~ ^ ~ c _ m ~ m ~~~ m m ~ ~~ m - ~ ^~^ O ~ 9 ~~~ N N y ~_ a 0 A a 4 N a 0 ^ ^ ^ O ~yO ~~O O W ?~,~ NS~~ ~~' -wN (p ~ ~m -s 7 CD :+ O C7 ~ P7 ~, N ~o,~ ~ ~ y ~/1 Q M ~ ~ j A ~ ~ y ~IV ~ via'<~ v m o. a m~~~~w 3,~A'rn ~:oa ~n to ~' ~, = d N so,.~o 3 o m ~ o wcmav 705 1820 ~0~7 4181 6417 ~! F"` rr~~~ = ~ - ^s ~ m ~ /V ,_ N ~ _ o '1 ~. ~ r a c r t m e _ = ~ ~ = O ~m N G ~~ _ N f J` 3 ZY ~ 7 'ter ~ -_. ~.y V ~ rt mR ~u: T~ a~ ~ mm o a c ~ a y ~ ~ ~ ~ = bV -aS' a ~~ a rc ~O ~ ~ _ l~7 ~ ~ ~ ~ l ti '~'j '~ _ ~ - ~ ~`~~ i Y y Z ' ~ ~ ~j ~jp ' ,~ ~ max. ~ ~ ~ t y o~ _ ~ ; ~ ~o ~ . ~~ ~ . _._. ._ .. _. ~ I m T I - I / ~`~ '~~~ ~ ~ L s ~' / _ ~ t/ ~~ l~ ~ R r. r, ~s ~ ~..___._,..®.....~~ } ~ _._~., 1 .. EXHIBIT "G" ~X~'~~~ c~ C~' ADVANCE PROCEEDS VOUCHER AND SECURITY AGREEMENT on 013 800.237.7328 MEMBER NAME ~ - . :' _ : " ~>• DATE;:: r I; MEMBER ACCOLt~t~ NUMA$ER -„NQTC NUMBER BRYON P MURPHY ~ /6/2008 01 94669458/L31 0007280670 404 S 32ND STREET HARRISBURG, PA 17109-5703 PURPOSE: AutoCheck Refinance TRA TYPE ION ^ ^ O ^ R BE ^ Y ADVANCE EQU , NEW LOAN 2. OAN ADVANCE L 3. ) DESC I 4. IT YOU HAVE PREVIOUSLY ELECTED TO NAVE THIS ADVANCE CREDIT DISABILITY" ^ N~E CREDITN FF~' ~OI^NT CREDIT NFE~~ INSURED WITH THE FOLLO WING COVERAGE YES NO YES Y DAILY PERIODIC RATE (CHANGE IN TERMS ONLY) ANNUAL PER- ' INTEREST RASE IS AMOUNT REQUESTED + OTHER CHARGES AMOUNT ADVANCED PREVIOUS BALANCE NEW BALANCE .0123014 CENTAfa E RATE 4.490 q FIXED g] VARIABLE .'. ^ 4, 960. 00 - „Y • .+ -'`~~;°~~,~Q4;~0'=:: 0.00 ~ 4, 960.00 , :r-:~ ~. PAYMENT DUE DATE PAYMENT FREQUENCY PROJECTED LOAN TERM 68.09 8/29/2008 Bi-Weekly s IF THIS 13 A HQME EQUfN ADVANCE, THE ONLYSEpURITY FC+R THIS ADVANCE ISTHE REAL PROPERTY (IN MOST CASESYOUR HOME) WHICHYOU GAVE A8 SECURnY WHENYOUR ACCOUNT WAS ESTABLISHED IF THIS IS NOTA HOME EQUnY ADVANCE, IN ADDITION TO THE PLEDGE OF SHARES IN YOUR LOANLINER' CREDIT AGREEMENT. THE FOLLOWING PROPERTY SECURES THI9 ADVANCE. ITEM PROPERTY 'MOOED ~ ;~~~•.c•. .A:.N MBE -+'t':r,_'~•. 7y E~.;•:••-e• 'VAWE'.:.~'' '• 17UC;A`~'1 2. 3. 620 2003 ZuMiRALK13B03043 i~IC 4, 960.00 4.OTHER YOU PLEDGE 3HARES ANDlOR DEPOSITS OF $ IN ACCOUNT NUMBER OLDACCOUNT/LOAN NUMBER (A) PAYOFF {PRINC. + INT. OLD ACCOUNTA.OAN NUMBER B) PAYOFF RING. t INT.) OLD ACCOUNTA.OAN NUMBER (C) PAYOFF PRINC.+ INT. 0194669458/1 3,960.00 OLD ACCOUNTlLOAN NUMEIER (D) PAYOFF (PR1NC. + INT. OLD ACCOUNT/LOAN NUMBER PAYOFF PR1NC.+ INT.) OLD ACCOUNTA.OAN NUMBER ( PAYOFF PRINC. + INT.) Sy accepting the proceeds or by using the funds advanced and deposited (nto your share/share draft account, you agree (1) that the property referenced above will secure the advance and any other advances you have now or receive in the future under the LOANLINER° Credit and Security Agreement (the Plan) and any other amounts you owe us for any reason now or in the future in accordance with the terms of the Plan and (2) to make payments as disclosed above in accordance with the terms of the Plan. 4iQ1RA MI1rUAL GROUP, 1980, 82, 84, 86.89.98.99, 2W0, 01, 04, 08, ALL RIGri[S REBERVED PENNSYLVANIA STATE EMPLOYEES CREDIT UNION FORM 83176 JVXX0100-1 037-2092-1 (8106)' ® Pennsylvania State Employees Credit Uni P. O. Box 67013 Harrisburg, PA 17106-7 717.234.8484 SCANNED 0x:03 PNi!une 16,'009 _ ; ., ' PENNSYLVANIA STATE EMPLOYEES CREDIT UNION ~ C%4 SHIEReS CHECK •-eoen~ ~•... ,Mailing Address: • • - P:O. BOX 67013 'r:' r. f :-- ` ` _ _ : ; ;rf; f/: , i -. i_ x:, • , r r, ~ ` ' "" =r- .~ :: i~ X358540': NO f • HARRISBURG, PA 17106.7013 ' , / : i 1 / t . L ~! r..i f f.~' '~ -- ;DATE. • l-i 1-f -. .: r--. ,. ,~ ~ 08/06/2008 ' - PAY j ,: . ,, ,, :~ ~ , f r , ~'' : ~ ~ $ ~I.000.00 , . ' , : rr,~ ; ' ~ ~~ ! f ~ DO " ONE THOUSAND AND 00 CENTS ~ LLARS , TO THE - OROER , ' BRYON: P MU}ZPHY' '- r. -"- ~ ~`{r ~ r'~ _:,` ~ • . PENNSYLVANIA STATE EMPLOYEES CREDIT UNION " _- VOi O AFTER 90 DAYS . ~ AU ORIZED SIGNATURE 11'235854011' ~:23L381~LL6~: .6L26L26L2411' 44 ~'OOOOi00000~' =gym , s SS 'm i~~~ ~: m {2E~ _ S 1 e 2 ~~~~ ~o•m ~s~~ , ~=~s ' s40 ~:~ d~n n ~g _Y 7~ l•?9 `5•~M.i:~ry JJJ 4 .i j ~OrJR,-. pq C ~9~: v~'~`SAw QH gc: ywo i~ i i'n a 30< °~S'~~~~~g~E~ Q' Ni 3~"n .R S ~o'~~k44~{~~' ~~~~~~2g~s~,~. ~552~~lL~~+~gkT R 5,~~a~C~. 1F ~•'e da3a-v iS 3~~~°0~3£1~Y3~ i°'~ r 334 3 ~;z<:~~aZ<o~a {~~ ~o.wa_ss •.; • •. Vresv ~trckrrve MURPHY 728067 k r~+vs :•:. :ck ~ ar ,}tae: •: .. Application Received:0712412006~0 Time Received: 09:58:03~;~:~~ ApplicationlD: 728067 Branch: IMPORT • 1 ~~Y' ~•:~L'?eCa~s• .......... Source: 598 .............. :ir' Cross Ref #:::•::•::;:•::::•::•:::•:: Source of Repayment: Payroll or ACH ~•`-' Secondary Source of Repayment: :~i Product: DL • Direct Loan -Vehicle loan (23) ~•`-< ~•~ 'ReCa~s;•: Application Loan Type:Regular ~ ~: Preapproval?: Specific Use of Proceeds: :~: .......................................... Credit Bureau: (Automatic :~`r% ::Share Application Information?: Coupon Code: s• :'.r'%% Signing Location: ;•`ii Title First Middle Last Suffix Name: BRYON. P............~:~::~::~::~::~:; MURPHY...........- ~.,.. Birth Date: 01!1811982::'::' SSN: 194.66.9458::: :L:,•;soki;gs.;~ Total Number of People in Household: .:R.:R.:R.:R.:<»R.:.i.: Citizenship: US Citizen ~w:~ Borrower Type: (,applicant •W Spouse of Borrower: N~;~ ...... .. Marital Status: ::~. Mother's Maiden Name: 0 CB PIN::: ~::~::~:::~:::~:::~::~:: Email: BMURPH2333@YAHOO.COM>~~~~•~~•~~•~~•~ AKAlFKA: ~:~R ......<:'E. View_Archive 6/01/2009 4:25pm - Page l of 9 ::Foreign Address:: Apt l Bldg 1 Unit '' ~"~'~"~ " ~~': Number Dir Street Name Dir Type Type Number • Standard 404 :':: S ;>w~ 32ND .:"`~ SST .•~-' ~:+ Rural Route RoutelMilitary Type: •~•• ~~`" Number: ~ Box: ..: PO Box ....., ...:..::........ PO Box: County: ~~:: Line 2: ;; City: HARRISBURG State: PA ......................... ................................ ....:.. Zip: 17109 -- 5703 ..................... Province: :: Count : :':::'::'::;: ~ :::'::; Postal Code: ................................ y ................•..•..•.:...:.:.:.. Phone: (717j 856.4634;; Ext: 0 Residential Status: ~ Lives w/ relative :~:~ Time at Address: 0 yrs ~ mths ...<.. ... .... Cellular: (717j 856-4634': Best Contact Phone: ~: Contact Method: < w• Phone number verified.:•~ ~•~ :•~ Address verified: ~•::•~ :•:: ~ :•~ Applicant's mailing address is the same as the current address.:::: ~ Collect Previous Address Information. ..: Position:;MSR 2 : ~: ~;UnemplStudentlHomemaker :•••••••••••••••••••••••••••••••••••••••••••••••_•~• ~:Activedutymilitarymember::.::. ........................................ Employer Name: PSECU Phone: (117j 234.8484; : Ext: . . City: ~ ~; ` ~` ~ ?~ ~`• ~`• ~ State: ::~• Verification Phone: ( ) "''''' ''' ...... Borrower Code:'Non-Employee Loan ;~• Time at Pres. Employer: 7; yrs ;1: mths s ..................................................... ..................................... Amount: Pay Basis;.. ~: Proof of income received.::: ... Salary: ;Gross :~~ : : ;::.34710:00 ;Annually ~: E mployment•verified.:: :: ............•.....• :::::::::: r::::: r::::::: r::•: r: r: r: r:: ............... ~...........................;.:..: ~: Income verified.:::::::::::::::::::: OTlBonus/Comm::: ~::::::::::::::::::::::::0:~ :Annually ................................... Other Income: ' ::::::::::::::::::0:00 ;Annually ;;;: Source: •::..; .; .,.................................... ...................: w Alimony, child support & separate maintenance income need not be revealed if you do not wish to have it considered. ~:Colect Previous Employrnent Information.::;;::;: ..... •: Collateral to add: New car, truck, SUV, van ~: ~:Aidtl~:~ Current Collateral: • • • • • • • • • • • • • • • • • • • • • . • • • • • • • • ~ ' .:.....i. . Description Vale StdAdv Pct StdAdvVal Liens 2003 DUCATI 960.00 130.000 6448.0 : •~.~~E:d~::: T tl Collateral Value: ;:: :;:;:: ;:4960.00 S tandard Advance: ;::;:: : : :;:6448.00 Standard Advance %: '::':::130 ---• Exist Liens Not Refi: '::'::'::'::::'::::: 0.00 New Loan Request: ;::;:: :::'::':4960.00 Loan to StdAdvance: ;:~:::'77: Cross Pledge Balance::::;:::;::~::;:0.00 Maximum Credit Limit: 0 Loan ToValue: ;:1.OO:OQ Purchase Details Selling Price: ;: :: :'::'::'::'::': 0.00 DownPayment: ;::;: ~:::::::::;::': 0.00 Rebate/Other Equity: ;:::;:: : : `:::0.00 Net Trade InAmount: '::'::'::'::'::'::'::: 0.00 Tax Rate (%j: ;::::;::'::::':0.00000 T ax Amount: ':: ~ : ~ :::'::'::': 0.00 Title : :::::: :: ::: :: 0.00 License : :::::::::::::::0.00 Amount to Finance: ':::'::': ~ ::'::'::': 0.00 View_Archive 6/01/2009 4:25pm -Page 2 of 9 Creditor Account Number Payment Balance Type LastActDate PO Estimated Pa ment 0 4960 I Housin 0 0 H Alimon !CS/Other 0 0 Ad~ustment 165 0 A PALISADES COLLECTION L PALIATT6045286805 0 358 I 07!2008 PSECU 1946694580009 221 11090 R 07!2008 PSECU 1946694580109 164 4266 I 07!2008 PSECU 1946694580209 455. 29379 I 07!2008 PSECU 1946694580300 216 9900 I 07!200$ S1 Debt Ratio: ;:;;31. LC Debt Ratio: ':31; S1 Proj Debt Ratio: ':;:;31; Original Application Factors used in Automated Decisioning _ Housing Pmt: ;::;::;:;::;::;::0.00 Other Expenses: ;'~.~-;~'.~'.;'~.'~.;'~.'~ Total MonthlyAdj : :::::::::::::::::165 LC Proj Debt Ratio: ;:;36 Current Application Factors being utilized by Underwriter Housing Pmt: ;::;: :; 0.00: Other Expenses: `.~'~.'.:'~.~''~.'~.;'~.'~ Total MonthlyAdj : :: : :::::::::::165: LC Proj Debt Ratio: ;:36 Monthly Income Summary Gross Income: ;::;:: ;; ;2893: + OTIBonuslCommission: '.'..'...'.'.._.•'...'..,..,.'..'...'..','..'..,'...',.',...0'-. + Other Income: '~~.'~.''.'~.''~.'~.;'~.'~.;~'~.'~.'.~'~.'~. ~~.''~.0~~. = I ndividual T otal I ncome: :;::;::; ;2893: Combined Income: '::'::; ;2893: ~:~~~~idit~~~ ~•~ ~~R ::~•~p~e'select:~:: ~: ~~il'3iise3e~t'ed<::; Ratios Revolving Debt: Housing Debt: ;'~. ~~.;~~.'~~;'~. ~~.;Q. Total Revolving Line: ;:; 3811 Net Disposable Debt: ':;;31; Total S1 Pmts: ':::x::;::;:;::891: Application Loan Pmt ::::: :::::: :::152: Total LC Pmts: '::'::'::::;::1056: Application Loan Pmt: Total LC Pmts:::;:;:::::: ;1056: Residual Income Summary Total Income: '::'::; ;2893: • Residual Adj: -Total All Pmts: ':: : ;::;:::::891: =Net Residual Inc: '::::':;;::;::;2002: Net Disposable Income: '::'::'::;:;;::2002: View_Archive 6/01/2009 4:25pm -Page 3 of 9 Product: DL -Direct Loan • Vehicle loan (23J ''~~ . ..... .... ~ ....................F tt of Payments: ;::;: ;;36 .Payment Period: B i-weekly Total Arc~ount Financed: ~::;::;:: :4960.00; Total Collateral Value: ;::;::::;::4960:00' Combined LTV: ;::;::'::;::;:100: Estimated Payment : :::::::::::.: 0.00' Total Debt with Us: ;:;;'::::4960.00; Current System Decision/Recommendation: Approve;:.: ~.::.:::::::~;.~ Decision Party::',..;;~~< <:<:< <?:.~;:.`:"::':•:?; •; ;';<:<;;;::~::': Application Score: ;:198; CutofF. ;195; Score Summary: Borrower Bureau Model Score Missing Fields MURPHY, BRYON Ex erian Ex erian/Fair, Issac 0626 MURPHY, BRYON Ex erian Li uidCredit Final S 198 0 MURPHY,BRYON Ex erian Li uidCreditA Sc 34 Borrower Income Pmts D:I Prj D:I MURPHY. BRYON 2893.0 891.00 31 31 s......... ...................................u. .R Pull New: . ...r .:.. • :.:.. Select Report: • • • • • • • • • • • • • • •.-~t ''~"" <C1Eetai~' ;Manual Loan Number .`~R Loan Date: 07124/2008;:::0: Loan Number: ; Suffix::;:;:::;:;:::::;;;;;;;; Disbursement Date: 08106!200$::::~ Reported Amount: 0.00 Maturity (Due) Date: 01101 /201 ~::::(~~ ~....a...•a...a....aa.•u........u........•a.aa.ua........a...ua...•a....a......u..a ...............w... Primary Colateral Code: ;Vehicle loan ~~ ` ~"• .~• ......................................................... Down Payment: ; 0.00 Funds Request: <New ~'~~ New Funds Amt ::: ::::::::::::5100:01? Payment Type: Installment ~; .... ... Interest Accrual: ' Actual/365::x: Payment: ;:;:::'::142.63: Total RequestedAmounk: '::'::'::::: 5100.00 Requested Rate: '::::0:00000: Final Payment: ::::;::;::142, 54: Loan Amount: x:;:::::;:;::4960.00 Interest Rate::::;; 4.74000: Maximum Term: ;'::'. + Total Financed Fees::::;::::::;::; ::O.OU + T otal Financed I nsurance: '::: ~ ::::::':::0.00 ..~ . "~ '~ '~ '~ '•"~ '• =Total Financed Amt: ':::'::'::'::4960.00 Interest Rate Lookup: alciil~fe~• :............. • Use Decision party •~": rate. Rate Type: ~ Fixed, Lock :rate. Rate Lock Date: ~•~ ShowAmorteation Schedule: :.................................. Coupon Code: .~. View_Archive 6/01/2009 425pm -Page 4 of 9 .............. Credit Life Selection: None ~: Plan: •~ " Disability Selection: None ~: Plan: < ~•: Coverage: Life Disabiliky iA licant MURPHY, BRYON P 194.66.9458 'y: <.. PP ................................~...............~.........< Credit Life (Decreasing) Insured Amount: '::'::'::'::::'::'::':0.00 Monthly Benefit: '::::;::;::'::'::::;0.00 Premium : ::::::::::::::'::':0.00 Cost Per Day : ::::::::::::::::::::':0.00 End Coverage Date::~::~::~::•::•~:~::~:::-:~ Coverage Term: ;:::'::'::'::'::':::'::'0 Credit Life (Level) ~::~::~::~::~: ~: x:::0:00 Disability Premium Paid in Cash.:: ': i': i':0.00 '::'::':0.00 '::'::':0.00 :::a :::Q Number of Pmts: 36 Pmt Period: gi•weekly : •w:~ 1st Payment Date: 08129!2008: ~ :End of Month'? - •.:. DecisionlRecommeridation: Approve••~••:~•:• Decision Party: System•::•;•::;:•::•::>:;•: 07!24!2008 09:58:07;• D ecision B ased upon:: ;:::: :::::::: : : ::: ;: ;:::;::; : R eview Approvals Below :195: ....................... PP ............. ........ A lication Score: ;::;:198: Cutoff: ':;:195; Review DeclinesAbove: View_Archive 6/01/2009 4:25pm -Page 5 of 9 Decision: Approve..::::;::::::::::::<:~ Current Stat~.rs: rchive:::::';`;::;:::::::~:: ~:::::::::::~::~::~: Underwriter: System ::::::::::::::~:::::::::::::: 07124!2008 09:58:07::::: Max Sys Approved Amt: Reasons to Override: i::w;::; ti ulations: S P •~~! ~ ~'' ~' f~~411 Field Label Value ~XNET,XNETRE,XPHONE,XPAPRE, XNET ?Disclaimer Answer AYES orCYES Individor Jnt A I or J Denial Code Type: All •+~ .w ........................... Account(s) With Us? Other Institution Name or Account Number: Member Number: Checkin : :.:., ..............; ............. • ::~: .:.:.:.:.:.:....:.::.:..::.. 0194669458 ::: 9 Yes •.,r ... ............................ ............. Savrn9: Yes ~~ :No :~~' .........:.:.:..:.::..:.:.:. ~: Member? Other: ~::% .: .:.:.:.:.:..•.:..:.•.:.:.:..•.. ... ..tr:, ............................ A licant Has Previous Jud ments "' ' "~" A licant Has Previous Foreclosure """ ....i. Pp :.:.:.:.:.:..::..•.:..•.:.:.:9•..•.:.:.:::•:::•:::•: ...::: pp•.:..•..•.:.:..•.:..•.:.:.:.:.:..•.:..•.:.:.::•::•::•::•: ............................................................ :Applicant Has Previously Claimed Bankruptcy::: View_Archive b/O1/2009 4:25pm -Page 6 of 9 G 0 ' 1?enn~~lv_anra State J~rpplo~eeg Credit Unior Loan Disclosures ~ ,. - ac r ^ 1 ;, ~1rr ~ :/~y r'~t~l~~~ 1 ~~-' J+1 rr ) tl r-~ r t'~'[1jr i. ~ 1. ' i The, LG=•.t:i._ir~1Ff1~ i;::'.~,t ~:nl - n ,;,~..1.., r .... I ..; ,7:.. f_..... ,i Lo r ny D :I .ri:; .. ,;rl, the Plan.'- ; I Id r. ~ .. , ~g e, rr=r~i :rn~l .in :':nr;:.• teal You your <+~r~~l borrower ~+ trio rv ,~ .', ~ I :, ~:rr , ,Ite r'la~r. l.regit Unl0 rl, L•:e OUr -:!lri US r'.:, r-. r :-.[ L, it :il :II I.~I i .. •i ,f .l .,~ ..;.f lJnlo,r Ito -sf~r, .,, rlyi;i, ., ..Lr .r.r: ,'I'In HOV'1 THIS PLAfJ L'JURKS -- r> , ;+' prig r:rvl n,, i rsr ,rc„1 c r.~lit l.!..il 1°,.. a;lliripale that, hoar dine h>'i~r•r; y:~u •.roili I_rco'.v nrrn iY l';: ~'~I _rl "a rPi;incr s') rnrd~.i the f I~ln. We are not required to make advances to you under the Plan and can refuse a request for an advance at any time. l hr, Addendum rIC>rnbes thr, different typr;s of rreriit (caged "subacernrnts") av;lilnb!e under the Plan, the current intErost rate for nar:h subaccount rxprns,c~l as a daily pi:rindir, raft. earl cormspending annual percentage rate ~rnd othor charges. II m.ry also havr, other turns and a srbedule for detonnininq the paynu;nl amounts. `JOLUtITARY PAYf.1EtJT PROTECTION ._. "1-~; r;" r ~";i P r : re t F'°n•r r.~ir, r ~r~, ,:'u..` i.n~,t~r / r.ry ~'r, 11 }' ~,., ~ ~I 15 r :,,. ss.rv In r;taa~n ,.rect. it youµr, r;~~o:5;1, -.i~f ,;r~i,~dPrt .~, r u-; ~,~sn:~~..!Imri;cuci~adlf.,'t~~s ,r in .un ,. ~ rr~r.., n~~.~~ ~I ;r t., , .;r _,~ I ~~ ~ . ~u '1 r :r;r: y, r.i ,ntnn :t ';n ' ~~. ,;i;li!,; b:rlarro 4' ru' .,.,.1 :.. ., II t'~~u~rrc, r-:~,r a ;nr:ni or t'u; period t,f rii~re ~u:rr.;",ary hr ,clr,ry Use Ic.r~ trrlr ... II r It-; ~,s.. rl ';, rh'rirnini Ih~ 'ins r>r inSUrance clirurles miry ch;:nr)o i'1 Ir_ fulr~l,;. ~1 th,.! r,ir . 'r ~~ge ;. c/e ,gill j;rnvlr'e o:ry notice; rcrpnrd by appliral,Ir~ Inw. PERIODIC STATEMENT -~ On -r nlrJultu Ir:c;i~; you will rureivo ri stalomnnt showuvl DUI trinsartions unrier lhr, Pl,rn riuriuq the penud r"overrd by Ure statement. Statements and noticos well be sent io you ~ll iho most recent address you have I CREDIT LIMIT -- We may, but do not have to, establish a credit unlit on renc~in given us in writing lJnless applictil)le low rerpriir.s notice to oath joint borrowr.r, subaccounts. If e crocJit limit is set for a si.ibaccount, you promise not to nzcnrrl the entice to any one of you will be entire in III. i established crodit tlrnrt. If you r~xcned tho credit limit, you promise to repay i JOINT ACCOUNTS - If this is a join) account, each of you i , Individually and jointly immediately the amount which exceeds Ure ra'rdit fm't. ~ responsible for paying tall amounts owed 1'hnf nx:ans we con enforce our riylds I REPAYMENT -You promise to repay all amounts you owe under the Plan plus under the Planag.+inst any one of you individually or oy;rinst all of you together. If you mterest Payments are due on the last day of the month unless we set a different clay I givr; us inronsi,„tent instnrc;tions, wo can rehisc; to follow your instructions. Unle^„ our at the time of an advance. If the Addr"ndurn has no payment schedule fora written policy requires all of you to sign for an advance, each of you authorizes the subaccount, your payment will he determined at the tune of each advance. Payments other(s) to obtain advances individually and agrees to repay advances made to the must include any amount past due and any amount by which you have exrceded any other(s). Any joint ar"countholdcr may terminate the Plan by giving us prior written credit limit you have keen yivr:n for a subaccount. You may repay all or part of what notice. II any of you terminate the Plan, the Plan is terminated for all of you. You you owe at any time without any prepayment penalty. Even if you prepay, you will still remain liable individually and jointly for .dl advances inr,urrr:d brfore termination. be required to make the regularly scheduled payments unless we agree in writing to FEES AND CHARGES - If you give us a security interest in certain types of a change in the payment srhecJule. If you have a joint sharedraft account, you will be ro ert we ma char c ou a filin foe to udcct our interest in the ro ert If we P p y' y " y ~ y g p p p Y responsible for paying all overdraft advances obtained by a joint holder of the the amount of the fee will bo disclosed to you at the time you obtain an advance. do sharedraft account Unless otherwise required by law, payments will be applied to , We may also charge you other fees in connection with the Plan. Our current fees ere amounts owed under the Plan, in the manner the Credit Union chooses. disc"losed on the ArJdenrJum and will be added to your town balance unless you pay PLAN ACCESS -You can obtain credit advances in any manner authorized by us. If them in cash. we allow you to use your ATM/Debit card to access the Plan, you may be liable for the UPDATING CREDIT INFORMATION -You promise that you will promptly give us unai.tthorized use of your ATM/Debit card. You will not be liable for unauthorized use written notice if you move, change" your name or employment, or ii any other ..r possb~a I ingi curs afi~r y.,., nniiiy us, orally ur in wriiiiLl, ui the toss ihe't, r information you provided io us crsuiyf+s. i,pur+ oui requesi, you arso agree to unauthorized use. If you believe your ATM/Debit r"aid has been lost or stolen, Provide us updated financial information. immediately inform the Credit Union by calling or writing us at the fete,"phone number or address that appe""acs elsewhere in the Plan. If the yard is used to obtain unauthorized DEFAULT -The following paragraph applies to borrowers in Idaho, Kansas, advances directly from the Plan, your liability will not exceed $.`i0. If the unmdhorizerJ Maine and South Carolina; You will be in default d you do not make a payment of withdrawal is from a sharedraft account, your liability is governed by the Regulation E the amount required when it is due You will also be in default rf we believo the disclosures you received at the tune you received your AiM/Debit card, even if the prospect of payment, performance, or realization nn any property given as socurrty withdrawal results in an advance being made from your overdraft subaccount is siynificantly impaired. FINANCE CHARGE -The dollar amount you pay for money borrowed is called a The following paragraph applies only to borrowers in Wisconsin: You will be in "finance charge" and begins on the date of each advance. A finance charge will be default if you fail to make a payment when due two times during any 12 month computed separately for each separate balance under the Plan. To compute the period: You will be in default if breaking any promise made under the Plan materially finance charge, the unpaid balance for each day since your last payment (or since impairs your ability to repay what you owe or materi<dly impairs the condition, value, an advance if you have not yet made a payment) is multiplied by the applicable daily or protection of or our right in any property you gave as security. periodic rate. The sum of these amounts is the finance charge owed. The balance 7'he following paragraph applies only fo borrowers in Iowa: You will be in used to compute the finance charge is the unpaid balance each day after payments default if you are more than 10 days late in making a payment You will also be in and credits to that balance have been subtracted and any additions to the balance default if you do not comply with the terms of the Plan and your failure to comply have been made. In addition to interest, we may charge other finance charges which materially impairs any property you gave as security or your ability to repay what you are disclosed on the .Addendum. If the interest rate is a variable interest rate, the owe under the Plan. Addendum explains how the variable interest rate works The following paragraph applies to borrowers in all other states: You will be in SECURITY -You pledge as security for the Plan all shares and dividends and, i} any, default if you do not make a payment of the amount required when it is due. You will all deposits and interest in all joint and' individual accounts you have with us now and be in default if you break any promise you made under the Plan or if anyone is in in the future. If a specific dollar amount is pledged for an advance, we will freeze default under any security agreement made in connection with an advance under shares in that account to the extent of the outstanding balance for the advance. the Plan. You will be in default ii you die, file for bankruptcy, become insolvent, i} you Otherwise, your pledged shares may be withdrawn unless you are in default. In make any false or misleading statements in any credit application or update of credit addition to your pledge of shares, we may also have what is known as a statutory lien information, or if something happens we believe may substantially reduce your on all individual and joint accounts you have with us. A statutory lien means we have ability to repay what you owe. You will be in default if any property you have given the right under federal law acid many state laws to claim an interest in your accounts. us as security is repossessed by someone else, seized under a forfeiture or similar We can enforce a statutory lien against your shares and dividends, and if any, interest law, or if anything else happens that significantly affects the value of the property or and deposits, in all individual and joint accounts you have with us to satisfy any our security interest in it. You will also be in default under the Plarl if you are in default outstanding financial obligation that is due and payable to us. We may exercise our tinder any other loan agreernenl with us. You will be in default if any property you right to enforce this lien without further notice to you.. to the extent permitted by law. I have given us as security is repossessed by someone else, seized under a fodeiture 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 I or similar law, or if anything else happens that siynificantly affects the value of the property or our security interest in it. I statutory lien and your pledge do not apply to any Individual Retirement Account or I j any other account that would lose special tax treatment under state or federal law if ACTIVNS AFTER DEFAULT- Ttre following paragraph applies to borrowers in given as security. i Colorado, District of Columbia, Iowa, Kansas, Maine, Massachusetts, Missouri, I. Additional security for the Plan may be required at the time of an advance. If a I ' " 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 ) you must give that New Cars subaccount identifies a type of property (such as demand immediate payment of the entireunpaid balance under the Plan without type of property as security when you get an advance under that subaccount. A , " giving you advance notice. means you must provide security subaccount name such ss "Other Secured acceptable to us when you obtain an advance under that subaccount. Property you , The lollowing paragraph applies to borrowers in a!I other states except Wisconsin i give as security will secure all amounts owed under the Plan and all other loans you ' and Louisiana: When you are in default v/e can require immediate payment G.Jllq I,IU'UA~ 7~rrUP ,29. ?Ssu ;% r f :i ~~ "'~ ~PSLtpI PSECU FORh1 <31~u r J 6XX05u1-? 037-2,^,92-7 ,? ,91 LOANLINER _Credit-?nd Serurity_Credit Agreement (continued) lace 'ratio 1 c f i i u. I ,icr b r rnu: a t.r P~ ut (,r . r nj r ~t c .r r„ ... to dCrt~nd fr p~:,~ ~rrl n~,r,~ of t~', ; ~+~ ~r, C ,'c ,tad . r;'i^- r..celc +.i,.n The following paragraphs apply to borror:~ers in all states except Wisconsin and Loursran~: It i r, t , _ _ rr ~~ rru rc ~, ~ .. .. ,rl ',`7 ~ i :;..., n, -.:,. r i-.~ r. ~ ~ r :.i.,;i i., r , _ u ' i'..eS _r 1 ii' r li ..~~ . at .r~E ::e;hr+,. ra:. . ~,i . i' ~ or /,ddu rd.,ri. tf r..1,,rran~ '„r r 'i ,~ „'.6, ,,_.; cr.n' `.ac h;;'t^ ..,UJ., : ur ,I . , an_~ _r ^rp,-•. t ; e<rn I„ a{ f.~_-•:1 to~::r:r'.s : +t ., ,. ._. .5. I:. Jv.ded 1' C ,... -'1 a1;C ...~.) ' ~ „ , ~: r.:. _ I-. : Ox~i C.,,, ,u y '.'+ ~. r g~rts given t y i .~ .:rut .., ... 9rr., t You aaroe me G ed I U ~~on hrrs ~ cup t t r t tKr l.r ~ c a:;r r f :+ny pr { t ~tV q;.yen cl:- .', (J(;ur,ty Ur~G i'.I t~~',. r~'~t:l. .i I ,ill;~-, '.r. ,,vC'.v.-~. , 1"~> ~: r1t~ '~.'. I ~l, i.l',1 ~U~ broach of U~re pear:e tf ~a as.k you urornise tq dc,tver tho piuperty al a tune and plar;e wr, choosa- If Uie property is a rmx:x vcluCle or beat. you agree thril v. r: rrr.^Y obtain a key or Ct!~ei de~dira necr;ssnry to unlo,;k and r,perate ri. whoa you am ,n defaurt lNe vrill not be responsihln for ^rry cr,hor property, not rovcred by tlia Agreement, that you Isave insuie the preperfy or th;+t is attached to the property. We will try to rehun that property to you or make .I available for you to claim. After we have possession of the property, we Can, srll it raid 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 he hrld. Our expenses for taking possession of sort selling the property wlll 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 tees to the extent permitted under state law or awarded under the bankruptcy Codn,. You must pay any amount that rem;nns unpaid, after the sale money has beat applied to any unpaid balance under the Plan. You agree Io pay interest on That amount at the same rate as the advance, or, if applicable, at the default r,ale disclosed on the Addendum, until that amount has been paid. The following paragraph applies only to Wisconsin borrowers: When you are in default and niter expiration of any right you have under applicable state law to cure your default, we may require immediate payment of your outstanding loran balance under the Plan and seek possession of property given as security. You rosy voluntarily give the property to us if you choose, or we may seek to take possession of the property by judicial process or any other method authorized by applicable law. 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 airc:mft, 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 carne rate as the advanne, 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 prryment (acceleration) of the entire unpaid ~ balance under the Plan. You waive any right you have fo 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 defauh 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 foNowing paragraph applies only to borrowers in Iginois: We have the right to change the terms of the Plan from I time to time after giving you any advance notice required by law. Any change to the I interest rate or other charges will apply to future advances. The following paragraph applies onty to borrowers in Wisconsin: We can I 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 ttte ~ Plan at any time. You rosy 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 cliange the terms of the Plan from time to tune 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 tune after giving you any advance notice required by law. Any change in the interest rate will apply to future advances. , d 1 d' f n nd ub ect to an re uirements of a plicable law will also L"~r!1'.3 ~^ru^.- t~? 1',,: .', r:~ r, 3.1 .,: rr.: I , ~_ 'ilflr •_• t''.n ,i , :r .` C'° r'. r ~~ at l~'~.y ha'~. r',.u i r;; _~.~ " ~ ~ t ;' G^ i t r> isr,,. .. . ~.'t n , .: t;r,.r %ib .,:~l,r~n tr. { -.~ !~,; ..nr?.,i'1 ~~~.: ~-;,._ .,r Ji` ~ t.:n'~-, rd '.'~d F<~ ~ ~:'~~c-~. ~.ri;~ .r ia`.::r ~, ,r'h? rte.,,;: t'Jr,_ ...rr,~ Jta ('I:rn. DELAY IN ENFORCIlJG RIGHTS Al1D CHANGES IN'(HE PLAN - ::`~' ';: "o s•i "~It ,J ,~::n ..._, I r :h:.~ •lu"~ it i .,{ ~ P~. ., 7 -u'~trt .'~.:. r•'I:dr :.I rrut;n.r; t :.set ;, ~, CONTINUED EFFECTIVENESS ~r { a 'r . P i- ~. i rn ~=.1 ! ~ n ,:r•;:'t t0 h., rr Cr,in~C:: JI :. ;, rr5; a:~ I i :r •~ ri Get. fVOI~ICE TO UTAH EUHROINERS - ~~'is .i ~ r_~r~',.i'n.i( in ~~ ir~,J ,.npi~.c„~,-i „I the ;rgrremen' h nv:~t; t you i!i~.rl Oral t lJnon. Cie ~;naen a~.cr:ntent nrry not he contrarlictc~d by t~vidonr.e of :,ny nr,d ayrr~r^rent The following is required byVerrnont law--NOTICE TO CO-SIGNER - YOUR SIGNATURE ON TFIIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT QF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. USE OF ACCOUNT -You promise to use your account for consumer (personal, family or household) pw'poses, unless the credit union glues you written permission to use the account also for agriculhrral or curnmercial purposes The following paragraphs apply if you give security in connection with an advance under the PIan.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 hom insurance you hs.ave on the property. If the value of the property declines, you promise to give us morn. property as security if asked to do so. WHATTHE SECURITY INTEREST COVERS/CROSS COLLATERAL PROVISIONS -The security interest secures iho Advance described in the receipt, voucher or any other document you receive at the Limo 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 Pieri acid airy uiirer 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 yet 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. 1f 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. I( you do not pay the taxes or tees 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, lees 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 Ifie 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 an a our rscre io a s { y q p added within the term of the insurance or approximate term of the advance. apply to unpaid balances. INSURANCE NOTICE - It you do not purchase the required property insurance, The following paragraph applies to all but Wisconsin borrowers: An increase in the insurance we may purchase and charge you for will cover only our interest in the the daily periodic rate under a variable interest rate is not considered a change in property. The premium for this insurance may be higher because the insurance I,OAIJLINER'_Crgdit and Security_Credit_Agreement (continued) Company m ry - e irr ~ us ' ~~a right :o p_~rr,h~ise :ns~,n r ii e - ' ~ ~m::~;., r.,, o:',,,te•al !; L;,: ,;r da ,.,.qac. The insurance will not be liability insurance and will not satisfy any state financial responsibility or no fault lays. PROTECTRJG THE SECURITY INTEREST - a ~ :,':i; ~. , . ' ! : 'r r " _ t0 iIC J~1 it is ~.~ hsU <. , d~'~~,'~ ~ , abc15, i .C, f. r<,I .~.~ O.~r , _ - , .c - ~ .. claims c'-t nth^_rs Yo.: i~rn.,o-.-ahiy ~uth~i~~r~ us ._ ~xeni!e :on ;~i _,eli~J`~ al hIC be, d tile. c r c rr, e i ,~~iii t c~ r ~l~i i ~ , r n~ r:~: ~' ~~: pursuant to tli:..ni`; r r r-,~r~-~ r r,; Ooc'~ il1C.C) ~ ~r ui _.a , ,..ti. t ... i~:n promise to 00 ..hab_ E -. ',~r ~~','tk g .-.e sa~y'n pio~r•ct a s,r;ci~ b n'e'~..t r, the pope t:J. '.'i. .,r,.t.-, ,_,{~ a,,. , L-. .~-, .~ ,..1 'i(,t ~,.., ,- .y a:L~.:~,., i ~ ~ teas J.e ~ircur fn pre t ,~•iny our ',cr.uii•y n'.a,'.~t Dui t i:,lit5 r Ine p~~.lxrt/ :n 'he extent penmin2o by npl~~~ic.,hlr~ i,,,.~ USE OF PROPERTY - ~ lnhi the Auvanco h.i ;boon pain nil y;;,i pn',n 'c;,: yc.~ :.il (t) Use d'~e property coiefc;lly and koep it :n rood repair. r~) Ob6~in cair cannon pern~iisslon i,,efr~re making major changes to the; pn,porty cu ch~uu~my thn. artrlirss where the property is kept t3j Inform us m canting before chunglntl your adriross (~tj Allow us to inspe+ct the property (;) Promptly notify us if the property is damaged, stolen or abused. (6) Not use the property for arty unlawful purpnsr; (7) Nut to r;titlu 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 i REP SSESSION IF IT IS REPOSSESSED ANIJ SOLD 10 SOMEONE ELSE A'd'~~i ;LL t,t:10UPITS [7Jr TO TriE : EC.;RE~) PARTY :;FE NOT DECEIVED ifd Ti-ITT cALE. ':'OJ t,?c,v I-{;iVE TO PAY ~I!•c D.F FE'?F~!CE NOTICE FOR ARIZONA O~NNERS OF PROPERTY - It ~. a ... -: fn -, ro `a.. F: ~ _~...I'I a i'I GI ~.:'1 ilia. ,`_i' r I?Jis JI 'C . -.,r I} t. C1_ , `~ n ..'. r;"~ t/~ y7 'Y;ra( ':._ ~ ~ r,, r. ,, , rr~ ..., .. , ~ ~_n i i~r i rr5, r ,,:: ,~ ty „i ,..., i,, ., , i.. i , , , , . ., .., ... , .,, r; ~ , :, tiro :,r ~.iSU i!'i0 For those members who purchase a vehicle under the DRIVe Program, please review the following FTC Notice: NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE. DEBTOR HEREUNDER: O ..,~ r $ ~' ,«,y, +~~y j „ t r r a r ~ r.a'- r w b x Y art rS, 8 nit- b~ { ,, , r.,~, s t {°,t " ' f t,~,. r r~ cry ~ ,y~7) y.- EMI { ~ ~.:.:...., fr~t~ 1 -! V -. r ~ ,. ~ ~~~ ~' `~'~Sn~~Yr 17L2Yd``'~im.~u.:.1~.+..~a~t •,. ,. ~{r , ''4 x •. "' >, d 7ho~:~SG~ 4~...,<. ~a s+..w~a6..a. 4~r+.u[~.,w~~. , _ an ~,,. .. . ar...i-. 25.n -_u~ ~,..4 .,:~_ , .i.7e.~.aLM~w4rS,:~r. .1,4r'.~t'w•k:~ This notice contains important information about your rights and our responsibilities I under the Fair Credit Billing. ACt. You are advised to read your monthly statement j and review it for any error discrepancies or unauthorized tmnsactions. ~ NOTIFY US IN CASE OF ERRORS OR QUESTIONS A80UT YOUR II STATEMENT. If you think your statn.ment is wrong, or if you need more information ~, about a transaction on your statement, write us on a separate sheet at the address II listed on your statement. You are required to notify us in writing wdhin 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 i ', account. Failure to notify us may result in your acceptance of any responsibility for I I payment or reimbursement to us far any such error or discrepancy on your amount. Write to us as soon as possible. You can telephone us, but doing so will not I ~ preserve yourriyhts. ~ I In your letter, give us the foiiowing information: ' Your name and account number ' ' The dollar amount of the suspected error. ' Describe the error and exFrlain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. j ' If you have authorized us to pay a credit card account automatically hom your share I account or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter roust 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. i 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 ar 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 ow' 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 Card. 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 yon are grossly 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 stilt obligated to pay the parts of your stalenient 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 nn the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. It you tail tc 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. „a',~e a question ab~..t yo~_. -.iaien~_.... i+.~~_, _ ___ _ I yn~-, ,-. -~.,~~~a 5 . cry-ne 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 tho remaining amount due on the property or services. There are two limitations on this right: (a) You must have made the purr..hase 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. negligent in the handling of your Card. In any use, your liability will not exceed $50. 4. CREDIT LINE - If we approve your application., we will establish a selt~ replenishing Line of Credit for you and notify you of its amount when we issue the card. You agree not to let the account balance exceed this approved Credit Line. Each payment you make on the account will restore your Credit Line by the amount of the payment which is applied to the principal. You may request an increase in your Credit ~ Line only by written application to us, which must be approved by our credit committee or loan officer. By giving you written notice we may reduce your Credit Line from time to time, or with good cause, revoke your card and terminate this Agreement. Good i 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 ~nvestiyate your credit standing 'I when opening, renewing or reviewing your account, and you authorize us tc 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 yow Credi! 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 I' at least the Minimum Payment within 25 days of your statement closing date. By separate Visa Credit Card Agreement and Truth 6t Lendmy Disclosure (continued) xi'eeme'~ you rn;;y a.,,hc,c~e us :, ::h_.rge t ., ,',rtu t rt.ryr•..nt n,'ort, t -tll; ~: .. . sit trA or o• kin r tc~_xu t :. tr t, of a'ay of c our I .y rtG I .q~.re I. ~ r ~ , - tt-car .h:; r,linirrl„ t 'dy ne.n,, r,.' I'.+J ^ Tofa N,. ~,: 8a1.. ,.C in h,i'. .: J .J., .. II r, J.t.,,e _,._. 'l'td c..~... 'i181`; .C it r.,C :?.. .t r,.~rpcS P=U i.r'r .,-d`>. t:'.c 1.' .. r~:.,.r', O ~.1. 1.,, k.l'. .i~.C;l t~af,r:.r t.. Sit - C' ,~; r ~ _..t:. '. >"at'CS The m nr-num p'tyment ":'ll be t~] ~~ nl ,our reel r c C J~ nc rG,.r ~ ~ tp a ; next cv t calar r ,t' I ~~2r'0. hIV ic.cr 5 yr . t_ r I ddl i ,n t 1 ; t n ..i l + ~.I NE.aBaa'C.c,x:oeu5µ,u~Cr,~c-I LiIC..~'CUnll,,,,~ -. ,:' /fd: ~,:.x,(,.Ur+Jriu'rr demand. We e~~„ rtppPl pdy-~~r:'I; rn t':e ~,~inr! 't am „r !,rc, tt F :_....,., la'c foi;5. then to precious rash ad~ana~s f-ranee r.~a~gcs, 'hen m pre i ;u~, p.,lr. ~ ~:,e t n:-ncr, r d :fir;,. tt'ert L] r„ i6'I`i ~l'e `E'CS- L'.E;^ t. ~ .`.'r:.LS aS"r :C`J~L-t,. t`F!la .r`-_ L,.nn , , previous Purchase ba ancca m the order ,h<+t t,ey oJerr Posted to your ar„,,rig, rr th .n to current r-ash ~rdvr+nrc. tadaacr.a. ~rn~ then Io rrurront purrha :9 bahtrres 7. FINANCE CHARGES - Yoir can avoid the Fin,uu:o Charge un pu•cliasc:=; b~; paying the full anunlnt of [he Nt:w Balance of Purchnsca each month within ;~[i clay; of your statement nosing clato. Olhnnvise, ;he Nmv Balrrnrc, of Purcnases, :ctrl tree subsequent purchases from tho date they are postcxl ut your account, will bo subjer.t to Finance Charge. Gash advances aro always suhjoet to Finance Chruge h~nm tttn Gate they are posted to your account. Purchases: We calculate your finance charge by multiplying the average adlu:;ted daily balance (ser_ explanation below), inclurJing new purchases, for the billing cycle ~ by the monthly periodic purchase rate and corresponcliny ANNUAL PERCENTAGE RATE as disclosed on the Addendum. Cash Advances: We calculate your financu charge un ca;h advances by multiplying the average adjusted daily balance (see explanation below) for rash advances during the billing cycle by the monthly periodic advance rate and 1 corresponding ANNUAL PERCENTAGE RATE as disclosed on the Arldendurn. 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 I each day in the billing cycle, and then dividing by the number of days in the billing j cycle. To calculate the Daily Balance for purchases rich day, we take the following I steps: We take the outstanding balance (all amounts you owe) at the start of the day: i 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 thr, amount of any unpaid Finance Charges or Late Charges. Then we also subtract the I 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 I Cash Advance Monthly Periodic Rate. The Avdrage 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 j are posted to your account, we add the amounts of all debits and subtract the amounts 'I of all credits or payments which post to your account that day. After applying payments and credits, we subh~act 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 billingnycle. 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. ~ 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 I New Balance shown on that statement, we will not apply the Monthly Periodic Rate to your Account on your next statement. S. 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 will also be in default ii your ability to repay us. is materially reduced by a change in your j employment, an increase in your obligations, bankruptcy or insolvency proceedings I 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. or,, :.t advrt tru r,+:....1 fr , ~,r;rl'~ L•~; r; r~r~'~. h y;,,rr c:=..J Tr~ ~ her :_ .o r,, rpleta .~, I.,;;lr!1 n'1.,:,;' -.aaTclhr ;1<iJhln_~rCt_r+~pei,`c:__.o~tc1P,'rl'PI'hat [i'G.I,IE~_.,,,•_a _ I"r:r ... ~ (l,-J :i:U.... I1S; `( I... ..,. .., ":Pl.~`Or N;T~/ tra - .c[c~~ th .. ~_ IJ y..' -; .~{ rC>~tlr ,.1 ''~,I ~, r i a'd ~ _, t,p~U dV .... rt_: ~1 .. I ...rn. "lit r .i; I ...... „ , .. ..~ I , .,_<..! ., ..F:~n ,t' ..h h :ns;r _ ..- i~._.. t ,;iln - .,..~.~ -_ ~•1[ -. erg q'; _innt,l :,e ~ u ,_.~i I. t-.... ;+....:nt. a ... I ... d -~ :I ,r,.~, I. .,:r _ ,.~I ... , ,.. ctc o .I .: ;r t , uc:,n r~ ~.~;tr to ._ f, ~I e r t ,~ ,t ~ ., t I h..~C ~nY l;nwn rnaY :F. . ,rt , f ~Ir- .l_ f , r . 'l'~ ... f t.. , u - t. .st 10. OVERDRAFT OPTION - I ;n,r -.~•;:ct ~ . a.. t ; ~ -. _, f Si CU V r+ Cr::il~' Card. th~rt ear,, fen s ,uL;ar,• d t Jt.: e.~:i., ng ~;r~s_fii hnr.l „ ~ .Ire a~ , ne~°.t rt rep r L LS F t (U rr i is ~ Icy t I I^.r Ird` Y f4~r~ ,rtrlcr~tand Ut.d tr. ot~r, rt ,r.l ,.ill t„ . r;u+,u,. 1 , In ~,r r. ;+s a r,,r-. t ,+ 1.snc,<. cn y0lrr PSECU Visa G~odit Carl anrJ that the ^ Icr~l~t f,,nnu~r I'rrci.tt ire Hate roc rasa <idvanr.ras will apf;ly. 11. RETURNS AND ADJUSTMENTS -Marainnt~. r,n~l ntlier=, aa,o honor rite cur cagy give credit 4x returns and nrliu>tlnunL>, urd [Ili'Y ~.~`JI do ~;u f-,y ;ending its a credit ',lip which .ve evill post to your Visa line of r.redn. If your credo ,lad p~ryments exceed what you owe us, we will automaur.ally post the excess credal balance to your it Share:a within 75 day,s_ it the balance IS oar, dollar nr' nutre, upon yr•,ur wrrtlnn request, we will rebind the rredlt balance to you. 12. FOREIGN TRANSACTIONS - I he exchango nuo betwocn the Vansaction curroncy and the billingrurrency usod for pror..essiny internettlonal Uansartions is a I rate selected by Visa front the range of rates available ht wholesale rurrenry j markets for the ,,q,plicable r.rntral processing date, which rate nsry vary from the rate i Visa dself receives, or a government-mand:ded rate in effect for the applicable central processing date. In each instance, an adjustment may be assessed based j on the ISA fee Imposed by Visa. This fee generally totals 1"0 of the tiansaction amount. In all cases, we will assess 1°~0 on all transaction amounts where the merchant country differs from the country of the card issuer. ' 13. DISPUTED TRANSACTIONS - If you disagree or find an error with a Visa transaction, and have tried in good Earth 1o correct tfte ploblern with the 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. You are required to notify PSECU in writing within 60 i days following the date on which we sent your statement wherein the error or ~ problem first appeared regarding any discrepancy or unauthorized transaction on I~ ~ 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 ~ ~ da(ails of ynru' disnuta In rases of frurdulent card use. PSECU will also require a j notarized affidavit. In some rases we cagy ask you to notify the local authorities. I If we do not receive the proper requested documentation in the tune specified you j i may be held responsible for the transaction(s) in question. PSECU must adhere to strict dispute timeframes set forth by Visa. 14. 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 I these goods which we have not been paid for through our application of your I ~ 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 I Shares or otherwise, or any other security interests for all your debts, your account i will be secured by your pledged shares (Deposits) and by the properly described in I those other security agreements, except for your home. 15. 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 cagy amend the Agreement from time to time by sending you the advance written notice required by Iaw.Your use of the card thereafter will indicate your agreement to the amendments. To [he extent the law permits, and we indicate in our notice, amendments will apply to your existing account balance as well as to future transactions. 16. LATE PAYMENT CHARGE - If your Minimum Payment is not received by the ~I first day of the month following your due date, you will be subject to a $20 charge. ~ 17. RUSH FEES -You may incur additional charges for rush processing and rush delivery of cards and/or PIN mailer. 18. DRAFT COPIES -You may incur an additional charge (or transaction summary/sale draft docr.rmentation. I i 19. COPY RECEIVED -You acknowledge receipt of a copy of this Agreement. 20. 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. ~ 21. 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 i 9. USING THE CARD - To make a purchase or cash advance, there are tt-vo 22. NEURAL NETWORK -PSECU uses neural network systems tp predict artd alternative procedures to be followed. 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NOVnnV U7 VMCO aO ~ON~MMO NnO~MOV p o,w p dL ° apc« >,o~ E ° mL ° a w OO OO~NO~ I~I~OcOO V) SON OOVVV vvr~oo~N 0~u1.-r~r• O p 3 N O 3 a« g m m m° E~~ a° > C~ OOONhu•I Nv)~t7~~ Rf"i (hMMM MC7MOMMN NNNNNN p C C~ C ~_ - ~O rn E m O Ot O i~~ Lcg~~V°L= ~E,Eo.~~ > 000000 000000 000000 000000 000000 u m E ENx._ cg and».n~ mu° m°o+ . J vat 2 {JH ~. ~•~ aOr O o a~ E ~~° v V ~ wl O~N MV ~~nW OHO'-NMV NCO f~NUO F- ~N(`7R~~ nm0~ '-'-~ NNNNNN NNNNNN EXHIBIT "H" ~~~~T ~ , ~n yyt~~f {2Y + { ~ p ~W - -~ } / l ~ ~ ^ ~ ys ,~ i~ f~l~ 9 ~~ ~~ I~' ~ ~ 11 ~' ~ ~ i T ~) ~~ ~~~ 1 - ~ ! ( ; _'971 .a.. ~ f .§ 5 ~ ~ 1 . --.-- - ..~. ~. ~ ~(~ ~ ,~.y~ CERTIFICATE OF TITLE -......__.~.~ ...w w.~...__...~y... ~.. FOR A VEHICLE . .. _ . t ''.:`~, r . D9154 9999Dt}4 56 5- DD1 ZDMIRA2K13BD31D43 v=_HicL_ IDErITFtraTIDN NNLSRER }) PI C i 1 RGD'% TYPE CUP SEAT CAP ' ?/D6/D5 7/24/D6 ,. ,...... _. .. CAi_' PA ll'.tED DATE OF ISSUE 2[7D3 DUCA.TI 62D52D61DD3 MU YEAR t+tA E CF VEHICLE TITLE NLIfARER 7 ~ D ~ I 17 Q ~ ~DI D PRIOR TITLE STATE OD061. PR D. DAT E L1. h41LE ODOM. STATUS O UNLADEN WEIGHT GVVJN GCNJR TITLE BRANDS REGISTERED O`NNER(S) BRY4N MURPHY ~, ____ 36D1 N 3RD ST HARRISBURG PA 1?11D FIRST LIEN FAVOR OF: Psecu FIRST LIEN RELEASED uATE RV AUTHORIZED REPRESENTATIVE MAILING ADDRESS PSECU P Q BQX 67D13 HARRISBURG PA 171D6 SECOND LIEN FAVOR OF: ODOMETER STATUS ' 0 =ACTUAL MILEAGE I =MILEAGE E%CEEDS THE MECHANICAL. LIf.11TS 2 = NOi THE ACTUAL MILEAGE 9 = NO7 THE ACTUAL MILEAGE-ODOMETER TAMPEFlING VERIFIED 4 =EXEMPT FROM ODOMETER DISCLOSURE TITLE BRANDS A = ANTIQUE VEHICLE C =CLASSIC VEHICLE D =COLLECTIBLE VEHICLE F =OUT OF GOUNTRV G =ORIGINALLY MFGD. FOR NON•U.S. DISTRIBUTION H =AGRICULTURAL VEHICLE L =LOGGING VEHICLE P = ISNVAS A POLICE VEHICLE R = RECDNSTRUCTED S =STREET ROP 7 =RECOVERED THEFT VEHICLE V .VEHICLE CONTAINS REISSUED VIN W =FLOOD VEHICLE % = ISJWAS A TAXI If a second IlanhoMer is listed upon safislactiun of the lust Iles, fhe ({r51 IlenhoMar must torwaM This Title to the Bureau of Motor Vehicles with 1ha apprnpdate form and lee. - SECOND LIEN RELEASED DATE BY AUTHORIZED REPRESENTATIVE %y. ~7, ,~ 1 codify as of the data of issue, the official rerorcls ni Iha Pennsylvania Dopartment ALLEN ~ BI EHLER 1 "'~~~222~~~ of TranspnrWtion rellecl Ihal the person(s) nr company named horein Is iha lawful owner .ill of the said vohida. Secretary of Trrnapurlatinn SUBSCRIBED AND SWDRN TO BEFORE ME: ~ ' ` ~ b ( FF 'i~ ia~ - ' ~ '~ I~ I:Cn n,c ,. erslm,xa nc,eor ma.:es xpPlluueu, mr r nrtza+a of Td1e fo m.r. .amrm aex„ne~ r W snovx, son;xu h. me ena,mnr,~u,ces :mn ;,:oar legal aa,mx sm !mm ne,x. ~ W y , irj• £iG:JATURE CF APPLICANT C)F. AUrRURI]r.D SIGNER jvj _M W I _t ' a SIG`:..>i VRE C~ GO~APPL:CA\T.TiTLE OF AUT~:0R12ED SIGI-;ER j 11 a co-purchaser other than your spouse is listed and you want the tiNe to be listed as "Joint Tenants V~th Right of Survivorship' (On death of one owner, title goes to surviving owner.) CHECK HERE O. Otherwise, the title I will be issued as "Tenants In Common" (On death of one owner, (nteres( of deceased owner goes to his/her heirs or estate). IF NO LIEN, CHECK^ IS THIS AN ELT? (IF VES, FIN REQUIRED) YES ^ NO^ I 1ST LIENHOLDER FINANCIAL INSTITUTION NUMBER: 7ST LIENHOLDER NAME STREET I CITY STATE ZiP I IF NO 2ND LIEN, CHECK ^ IS TH13 AN ELT? (IF VES, FIN REQUIRED) YES ^ NO^ ~ 2ND LIENHOLDER FINANCIAL INSTITUTION NUMBER: j 2ND LIENHOLDER NAME I STREET i CITY STATE ZIP (TYPE OR PRIN'~) Cr IY .. , vi I lue f ~ILS I c sul rn U ~ aithl~ C days unless tlP pu~ 'r is a registered dealer Folding tlTe vehicle for resale. ~ WAR N I ~~! G FnD 0 1F A +D ~T 1T LAe FG UIRE T `A I YnU aTATE TNt I 1 L°AGE lu COPIP.ECT ON ITN TF L TRANSFER CF 01'Jf.EHSHIP FAILURE ~ '. TEL FPG ~ILI r-_ E TA f.tE JT FLAY R UST I_`I FIfIES nR If,1F ,ISCNkIEJI. _-. I ~ i~C'1 - - r LA~ FlRaT LIiDCLE NAF;1E -O ASSIGNMENT OF TITLE ~ ~° G ~,L, I n, -- :.e ~er~,/. 10 .i~.E LE.,1 ~ myour k c I a^e th. i^ e _dcrr,et~. re3 J+r~ ~s- _~- U~~r~_~_ _ -__ - -_ CD --• - (, rL .BASER ~'~~ ~ - - r _ X n.,~.. o>; r '._~.~ I. E a. aka ~I 1 a tcn+:;:E' S H:.: __- .__ -. - - u 1 •: d t toes +s ~ E - 'L-~' -.- - - ~-~~t ar for iE s dl ~ ca C ~ e c ,f Is -,a ei m s .FI I + 1 c~ on I _ ____ -_- C 11'r ., (UfY f C..r` ~ lies t e ;GII ,.'E +s l ~f ~ lr~ E (.ImLn'~E d~ L'I~a[ ~ E G' .lE 5 .~'S It Eby F.:FGr•.r1jE PRICE ~ Ira:t SlErrEti t9 the Pr^,rS~~ll~i dr the dea:Er ilsldd- ~ ~ Zi.P GR GIN _ ~ ~ susscRlsEO AND svJORN TO BEFORE falE: ___- -_--.--.---_-_..-. 1•IO_--O-t---__ y~'4R--f- - P1;RC_n5Ea S1i1•IaTURE t7 I ~ N _ _ _ _ _ SIGN,\TURF Jf PERSCN 11J P_U_M ~ E91 C r•1TIa CO-PURCHASER SIGNti Tf PE ~ __-_- .__. __.. -__-__..- - -_-- - -_-- _- _. _.-__-_- d - -- PURCHPSER AND10R W J I CO-PURCHASER idUST N W h1ANDPHiNT NA1dE HERE ___ ._ >y N Q SIGNATURE OF SELLER ? O _ -__-__ a ~- SIGNATURE OF CO-SELLER N fv Q SELLER ANDIOR F-' CO-SELLER MUST Cn HANDPRINT NAME HERE ,Q' • ~ B. ~ ~ ~ _ S I/We cartity, to the best of my/our knowledge that the odometer reading is • LAST FIRST MIDDLE NAME tD TENTHS ~ X miles and reflects the actual mileage of the vehicle, PURCHASER OR FULL j -- - _ - t - - BUSINESS NAME fn wlless one o1 Ilre following bozos is checked: ~ ^ CO~PURCHASER < Reflects the amount of mileage Is NOT the actual mlloaye N In excess of Its machanical Iimils WARNING: Odomelor discrepancy STREET O I/Wa further certify that the vehide is hoe of any encumbrance and that the ownership is hereby ADDRESS W transferred to the parson(s) or the dealer listed. (n CITY w_ SUBSCRIBED AND SWORN PURCHASE PRICE N TO 6EFORE ME; Mo. Dnv YEAR STATE ZIP OR DIN OW ry n SIGNATURE OF PERSON ADMINISTERING OATH PURCHASER SIGNATURE ~ - - - C J S W CD-PURCHASER SIGNATURE n ~ PURCHASER ANDIOR N ~ CO-PURCHASER MUST ~ ~ O HANDPRINT NAME HERE c a m 2 SIGNATURE OF SELLER Q C f- SELLER MUST ry (n HANDPRINT NAME HERE N • ~ ~ / ~ (D I/We certity, to the best of mylour knowledge that the odometer reading is LAST FIRST MIDDLE NAME W .. _... _.. _....... cD TENTHS X miles and reflects the actual mileage of the vohicle, FUFlCHASER OR FULL m "- -- -- f --- - DUSINESS NAME W unless ono of the fallowing boxes is checkod: - ~ CO-PURCHASEFl n' ^ Reflects the amount of mileage ^ Is NOT the actual mileagge ~ in excess of Its mechanical limits WARNING: Odometer discropancy STREET ~ I/We ftxther canity that the vehlCle is free of any encumbrance and that the owneship is hereby ADDRESS N transferred to Uto person(s) or the dealer licted. -O CITY fD SUBSCRIBED AND SWORN N TO BEFORE ME: STATE ZIP PURCHASE PRICE O MO. DAY YEAR OR DiN N --- 3 w SIGNATURE OF PERSON ADMINISTERING OATH PURCHASER SIGNATURE C J (D W ~ ~ CO~PURCHASEP SIGNATURE N PURCHASER AND/OR O CO-PURCHASER MUST - N HANDPRINT NAM HERE N O a Q SIGNATURE OF SELLER fn ~ SELLER MUST tj ~ HANDPRINT NAME HERE Sv ~ • C 1 ~ ~ CD INJe canity, to tho best of my/our knowledge that the odometer reading is LAST FIRST MIDDLE NAME j' TENTHS __ _ _ _ .__ X miles and rellacts the aMUal mileaya of the vehicle, PURCHASER OR FULL ~ -r BUSINESS NAME unless one of the following boxes is checked: ~ CO-PURCHASER ^ Reflects the amount of mileage ^ Is NOT the ac¢+al mlleaae ~ in excess of its mechanical Iimils WARNING: Odometer discrepancy STREET I/We further certify that the vehicle is free of any encumbrance and that the ownership is hereby ADDRESS N transferred to the person(s) or the dealer listed. _ CITY ANi SUBSCRIBED AND SWORN 5 TO BEFORE ME: STATE zIP PURCHASE PRICE ~ MO. D.4Y VE4R OR DIN J Q W CO-PURCHASER SIGNATURE ~ PURCHASER AND(OR ~ CO-PURCHASER MUST ~ ~ HANDPRINT NAfvIE HERE o O a v ~ SIGM.4TUPE OF SE! LER ~ f- SELLER MUST OC ~ HA?JOPRIlJ7 NAIdE HERE EXHIBIT "I" /;~8~ r ~,x /, PSEC~k 06/04/2009 Via Certified and First Class Mail BRYON P MURPHY 1502 BRIDGE ST APT B NEW CUMBERLAND, PA 1 7070-1 1 83 NOTICE OF REPOSSESSION AND RIGHT TO REDEEM You are hereby notified that your 2003 Ducati M620 V1N# ZDMIRA2K13B031043 has been repossessed by the Pennsylvania State Employees Credit Union ("PSECU"). You have failed to pay the 03!21/2009 installment due under the above Loan and Security Agreement (the "Contract"). The motor vehicle is currently being stored by: Richard & Associates, 3999 Spring Rd. Shermans Dale PA 17090. (717) 241-5884.You may redeem the motor vehicle and terminate the Contract by paying the following amounts on or before 5:00 p.m. on 06/19/2009. Unpaid principal balance $4,606.71 Accrued Interest $118.43 ADDITIONAL COST IF REPOSSESSED MORE THAN 15 DAYS AFTER DEFAULT Repossession Expense $350.00 Storage expense @ $20 per day (6/3/09-6/19/09) $340.00 Late Fees $8.01 Total Cost to Redeem $5,423.15 Payment to redeem must be in cash, certified funds or a cashier's check. We will sell the 2003 Ducati M620 at private sale sometime after 06/19/2009. The money that we get from the sale (after paying our costs) will reduce the amount you owe. If we get less money than you owe, you will still owe us the difference. If we get more money than you owe, you will get the extra money unless we must pay it to someone else, or use it to pay other loans you owe to PSECU. You can get the property back at any time before we sell it by paying us the full amount you owe (not just the past due payments), including our expenses. If you want us to explain to you in writing how we have figured the amount that you owe us or you need more information about the sale, you may call us at (717) Z34--8484, ex~ 3116 or (800) 237-7328 or write us at PSECU, P.O. Box 67013, Harrisburg, Pa. 17110-2990, and request a written explanation. You should also contact us if you are unable to pay the foregoing amount in full prior to the above deadline. PSECU may allow you to reinstate your loan, if you qualify, upon payment of the arrears and additional costs only. We are sending this notice to the following other people who have an interest in the collateral listed or who owe money under your agreement: (Names of all other debtors and obligors, if any) You have 30 days to make arrangements to take possession of the personal effects found in the vehicle. Failure to recover them in this time period will result in disposal of such personal effects. Sincerely, ~. N ,~ -~? odte Ross -_ - , Account Advisorpennsy(vania State Employees Credit Union Main Address: 1 Credit Union Place, Harrisburg, PA 171 10-2990 • 717.234.8484 • 800.237.7328 Mailing Address: P.O. Box 67013, Harrisburg, PA 17106-7013 • 717.777.2100 (TDD) • 800.472.1967 (TDD) F:'JC 441 e..V 111 This credit union is federally inured by the Notionol Credit Union Administration. Equal Opportunity Lender rd„ N U m a > _a E~ ~ ~ ro ~rooE c~ ' y y ~, ro ~i~c°~ o ... ui ~o_ a~ ~ f7' ~+ N U Y E U ~~~ ~.L. N 1 a r- ~ ~ N ~ ~ ~ O E~Eo ° d*• ro ro ~ _ N G V U D 01 Lt ~ N N w N d~ ~ 3Y m w av am v .c E E ~~ ~ ~ ~ wa ° Q ` m r . r n o Q • ^ ^ , r i L } O ~' ~y RJ i ~ ~ ~ 1 ~~- ~Eo ~ a Cam-' ~ ~ d `` `~ f ;r ~ ci ~ a ^CI^ ~ `y - ~ r- , m _ ~ ~ ~~` fy' 4-. N ~ m C.7 ~~ N = Q C ~ ~~ ^ ¢ ~ ~~' Q ' O Q ~ 4 ~' 4 z _ ~ ~ ~ N - ~ r/H^~ ~ ro ro vl ~ m i ~ W m .~ a H LL _ V m ~ E r - a o ~ .- - ~C7 V ~ U G ~ ~ ~~ W I N a •-.~ G N L m as N N N 0 a .~ ~. lC. N U N O F® y ~ ~ ~ ~ O ~ T~ ! ~'az ~ _ ~ ~ _ `~ ~ - 0., E.,, ~ a~~ ~ ' ~ ~ ~ / h 1L (1 w ' ~L p S ~ m 'a ~ ~¢ -..~E y ~ :~ _ ~ ti ,~ -4 ..J _ O m V - 5E ~y vE ,~ ~• r N I . . ~° c_ ti~ ~ a o V'i fi2+~9 29'I+~ ZQQO Q2'd'C Fad! SOQZ ~,:. e - EXHIBIT "J" ~~~g~~ SIGNATURE LOAN ACTIVATION NO'1'ICL G x~ia~ ~ ~ ~~~~ D lei ~ ~~ \ ~(~~~~lm lIJ/17/2(108 Applicant Information: Applicant: BRYON P MU1tPI-IY Ref fl: 745602 Approval Amount: ~ 10,000.00 For Internal Use Only: 5022533738075 App. home Telephone: (717) 856-4631 - App. 1~Vork Telephone: (717) 234-8484 Refinance: 30 I acknowledge receipt of the PSECU LOANLINFR Disclosure and Credit Agreement and agree to be bound by the terms set forth in said agreement. ~- 9 / Sig at ofBRY P MURPHY Dat SIGNATURti LOAN OI''I'IONS Purpose: -~L/N • Please select oue of the following Signature Loan disbursement options: Send a ^ check deposit to my Share 4 (Moneyllandler/Checking Shares) • Picase select oue of the following Signature Loan repayment options: Payroll Deduction ^ Homebanking ^ Automatic Transfer from PSECU accol-nt ^ Self Service Telephone ^ Coupon ^ Du•ect Payment from another financial institution ~ ~ ~~ ~ ~~ Ivlain Address: i Credit Union Place, Ilarrlsburg, PA !lt 10-2990, (717) Zia-gd84 i4iaiting Address: P.O. Box 67013, Harrisburg, PA 17106-7013, (717) 777-2100 (TllD) Savings federally insured up to $100,000 by the National Credit Union Administration . ..; .;.. • ~lieirv:krr_ko-ve MURPHY 745602 Apprbvs Eheok'SymrEar ... •: •....:• •:.... •.• •. . •: • :...:....:::: : C,iCrse~ :: Application Received: 09/17/200$ ~~~ Time Received: 13:47:53;:;;; Application ID: 745602 Branch: IMPORT • 1 ~~•:''~ ::~':: ~k...::':~; Source: .......... 598 ..............::x;: Cross Ref #:::•::•::•::•:::<:•::•::•::•:: Source of Repayment: ~•~< Secondary Source of Repayment: ~~`~% Product: DL • Direct Loan • Signature loan (19) `~ ~•~ •~Reta~s:•: Application Loan Type: ..................... Regular ~ ~: Preapproval?: Purpose: Unsecured loan - Purchases ~•~ ~•~ ~•~ ~ ~ ~ ~ ~ ~ ~• •~ ~••~ • ~ ~•:•::•::•::•~ ~ :•~ :•~ Unsecured loan -Debt Consolidation; •~ •~ ~•~ ~• ~• •• • ~ ::•::•::•:: ?: ?: Unsecured loan • Personal:::~:::•::': ~::~::~: ~ ~ :~::~::~::~: `::::'::':::'::':::': Unsecured loan • R efinance~ ~~ ~~~ ~ ~~ ~~~ ~•:: ~: ~::~~ ~ ; :•: ~•; ?; :•: ~: ~ ::•::•::•::•; Specific Use of Proceeds: :•: ':"; ' ~ :Share Application I nformation?: Credit Bureau: Automatic ~'+": Coupon Code: < :r'%% Signing Location: • • •'` Title First Middle Last Suffix Name: :`: BRYON : ::: P .:.:..::.~ MURPHY ': `'`'`''":: ~~:: Birth Date: 01118!1982::::' SSN:194-66-9458;::; •`•~~~~~•~• ''' 0 ~ ::.; L:;soki,~S:;R Total Number of People in Household: ::: ..R..R.. ..A.:I t•.iR.t Citizenship: US Citizen ~ F~:~ Borrower Type: Applicant •~:: Spouse of Borrower. No :r~ Marital Status: ~. Mother's Maiden Name: CB PIN::: :::::::::.::.::::•::•::; Email: BMURPH2333@YAHOO.COM~;;~•~~•~~•~~~~ AKAlFKA:< ;,~;: •••••• . •: •.••: •: J.... ...s.E . ....................... ......:::•::•::• View_Archive 10/!3/2010 11:03am -Page 1 of 9 ForeignAddres5:: Apt l Bldg 1 Unit •"' ~~'""'" ~ "' Number Dir Street Name Dir Type Type Number • Skandard 404 :':: g ~::R 32ND ~ *'~'ST '~+~< .... Rural Route RoutelMilitary Type: ~ hJumber: ~ Box: ' PO Box .....,..; .; .......; .; i PO Box: County: ~ .'y: i ........................................... i ..... Line 2: ':: City: HARRISBURG State: pA ~: Zip: 17109 •- 5703 ..... Province: :' Country: Poskal Code::•::•::•::•::•::~::::•::•: •: Phone: (717] 856-4634;: Ext: Residential Status: ;Lives wl relative ;~-~ Time atAddress: ~yrs ~ mths Cellular: [717J 856:4634:: Best Contact Phone: ~~~r~ Contact Method: ~ "'~ .... .............. ...... Fax: 0 Phone number verified.::::':: Address verified.::'::::'::'::'::':: Applicant s mailing address is the same as the current address.~:~ ~: ~ Collect Previous Address Information. ... .:.: ~~•UnemplStudentlHomemaker ........ Position:MSR II ::w• ;•••••••••• •.•••••••••••••••••~••••••••••••••••--•• ~.Activedutymilitarymember;;.::. Employer Name: PSECU ;:: Phone: (717] 234-$484':: Ext: ... Cit : • •; •: •: •: '•'• •: • State: :~~ Verification Phone: ( ) - Borrower Code: ~ Non.Employee• Loan. • • . • •• •~ •. •. •- • • •. • • Time at Pres. Employer: ~ yrs '•':':'^':3.'~ mths ..................................... Amount: Pay Basis: ~: Proof of income received..:: ::::::::::::::::::::::::::::::::::::: ,.................:.; ..:.; ....... ~..........................;.:..: Em • to ment verified Salary:;Gross...i~ ::•::;:::;:;:34710.00 ;Annually........ ~:r:::pry.:::•:~:r•~:::;'::;; :: OTJBonuslComm: ;::: ;::::::'::::'::0.00 `.............::.....-....... ~: Income verified.:::>::::::: :.:.:.:.:....... <Annually ..~ ................... 0 Cher Income: ' ::::::::::::::::::0.00 <Annually ........ ~ •,« »..~ S ource:::'::'::'::`: ~ ::':::'::'::':::':::'::'::'::'::'::'::'::'::': Alimony, child support & separate maintenance income need not be revealed if you do not wish to have it considered. ~:Collect,Previous• E mployment• I nformation, :: View_Archive 10/13/2010 11:03am -Page 2 of 9 ....................................... Creditor ............................. Account Number .•- y ------- Pa ment ---------------- Balance --yp- T e -------- Last Act Date PO Estimated Pa ment 199 10000 I Ad~ustment -200 0 A PALISADES COLLECTION L PALIATT6045286805 0 358 I 0912008 PSECU 1946694580009 221 10979 R 09/2008 PSECU 1946694580209 455 28731 I 09/200$ PSECU 1946694580300 216 9585 I 0912008 PSECU 1946694580301 147 4905 I 09!2008 :}add::-: ~:::~~ S1 Debt Ratio: ;:;:;23 LC Debt Ratio: '::;25 Total S1 Pmts: ;::'::': ;::;::;1038: S1 Proj Debt Ratio: ;:;;36 Original Application Factors used in Automated Decisioning Housing Pmt:::::::;::0.00 Other Expenses: _~:',~::';~'::;':':'.':~'~.;~:~•.':•:':0: Application Loan Pmt: ;::;:: ;::;:199: Total MonthlyAdj : :::::::::::::::;:;200 LC Proj Debt Ratio:;:;:36 Total LC Pmts: :: :;:::::1039: Current Application Factors being utilized by Underwriter Housing Pmt: :;: :;:::0.00 Other Expenses: Application Loan Pmt : :::::::::::::::;:199: Total MonthlyAdj : ::::::::::::::'::200: LC Proj Debt Ratio: ;:;;31i Total LC Pmts::::;: ;::;::;::1039: Monthly Income Summary Gross Income : ::::::::::::::2893: + OT1BonuslCommission: + Other Income: =Individual Total Income: '::'::'::;:::::;2893: Combined Income: :;: :;; ;2893: :~•~~?~il~' :R p:~selec#~~~' ~`:~l3nse3e?ct'~d•~:~^': Ratio: Revolving Debt: Housing Debt: Total Revolving Line: ; 38U Payment to Income: Net Disposable Debt: ;:;;36 Residual Income Summary T otal I ncome: :`: '::;::;::;2893: - Residual Adj: -Total All Pmts: ':::;: ;::;1038: =Net Residual Inc: ;:: : ; ;;:;1855: Net Disposable Income: '::::'::;::;::;1855: View_Archive 10/13/2010 11:03am -Page 3 of 9 Product: DL -Direct Loan • Signature loan (19J # of Payments: 65: <Monthly ~~ LTV: ;; 0.00: Total CollateralValue: ' ::::::::::::::::'0.00; CLTV: ;::;;;:0:00: Total Debt with Us:::;::;;10000 00; HCLTV: ::::;:0:00: Decision Party: Applicant MURPHY, BRYON P (194;66-9458;:;;: Score Summary: ~'~: TotalAmtFinanced: '::::::::;10000:00' Estimated Payment: ;:;::;::;::;:199.38; Recorc~mendation: Approve ::.::.::.::.::.::: ~: Application Score: ;:198; Cutoff: ;:200; Borrower Bureau Model Score Missing Fields Report D MURPHY, BRYON Ex erian Ex erianlFair, Issac 0627 0911712f MURPHY, BRYDN Ex erian Li uidCredit Final S 198 0 0911712f MURPHY,BRYON Ex erian Li uidCreditA Sc 34 09117/2f Borrower Income Pmts D:I Prj D:I M U R PHY. B RYO N 2893.0 1038.00 29 36 ;Manual Loan Number ~~:.•. Loan Date: 09/171200t3::::~ ............................. Loan Number: ; Suffix :::::::::::::::::;:;:;: Disbursement Date: 09/17/200t3::: Reported Amount: ':::::': `::'::': 0.00 Makurity (Duel Date: 02117!2014:::; i Primary Collateral Code: ; g ignaturell RA loan ~~~~ .. ;~::», ....................................................................................................... Down Payment: ; 0.00 Funds Request: ;New :•:::: New Funds Amt: ;::::::::10000.00 Payment Type: Installment •'~~' ........................................................... n;»i .. ... ~ Interest Accrual: AckuaV365::~- Payment: ;:: : :;:199.38: Total Re estedAmount : :::::: ::::::10000.Of1 Requested Rate: ;:::0:00000: Final Payment : ::::::::::::199.24: Loan Amount::::::10000.0(J Interest Rate::::;: 9:90000: Maximum Term: '•:"•.','• Interest Rate Lookup: ~'`~''`''``'''~'''~ • Use :Decision party:r~ rate. .......<.... t Lock :rate. Rate Lock Date: :~: ............................ + Total Financed Fees ::::::: :::: ::0.00 Total Financed Insurance: '::::'::~::: x::':0.00 =Total Financed Amt: '::::::'::':10000.00 Rake Type: Fixe Rescission AppNes; Show Amorkization Schedule: .............................. Coupon Code: ice. View Archive 10/13/2010 11:03am -Page 4 of 9 Credit Life Selection: ~~•~ None ~: Plan: < ••..: ... Disability Selection: None •~: Plan: < ••: Coverage: Life Disability . ~~; iApplicant MURPHY, BRYON P (194-66.9458) • ••• • .......... End Coverage Date::~:::::~:::::::~:::~:~ :::::'::':::::::::::~ •: ?::' ::::::::::::: Coverage Term: ~ :'::'Q Warnings ' "'~""~"""~"`~""""~"""~°" End of Month? Number of Pmts::; 65 Pmt Penod: Monthly ::.": 1st Payment D ate: 1011712008: ~ ~ :.:., .:.:.:.:.:., DecisionlRecommendation: Approve :::::::::::::: ~:::• Decision Party: System::::::: ~:::: ~: ~::::::: 0911 712008 1 3:48:01 :: Decision Based upon: Applicant MURPHY, BRYON P (194.66.945$) ::::: :::::::::: Review Approvalsgelow: :;:195: ......................................pp ......................... ........ A lication Score: ': ;:198: Cutoff: ::;195: Review DeclinesAbove: View_Archive 10/13/20 f 0 11:03am -Page 5 of 9 Decision: Approve..:::::: ~ ~ ~ ~.~ :::::~ Current Status: rchive :::::::::::::: :::::.::.: :.: :.::.::.::.::.~~.1 Underwriter: System ::.::.::.::::.::.::.::.::::::::.:: 09117!200813:48:01;::;: Max Sys ApprovedAmt: Field Label Value <XNET,XNETRE,XPHONE,XPAPRE, XNET Disclaimer Answer AYES or CYES Individor Jnt A I or J ;Denial Code `•. Pa C cle TYPe~ All ~•~ ~~ktid: ~ ~ :.:::'Yiea+~:~ :;. ......................... .tt..[:.t.:t:.t.ti:tt. 3L.L:.[:.t :t::i::t: Account(s) With Us? Other Institution Name or Account Number: Member Number: ............................ +: 0194669458 , : • Checking: Yes ~:~:` ' N o ' ' ' ' ' ' ' ' ' ' ' ' ' ::::::: ..........E <.......::<: ...................... Saving: Yes .;•..: No ..................: ........... ..~., ~ : ~• ................: .: ......... :Member? z-^~^~.-^ ............................ Other: ~ :'`::~ .. j .:.:.:.:.:.:.:..::.:.:..:... < ..w .........................:.. , '~t.:R. A licant Has Previous Jud menu "" A licant Has Previous Foreclosure ""' ....:•. Pp :.:.:.:..• .:.:.:.:.:.:.:.:.:9•.:.:.:. ~:::::::::•::: ....: ?P•.:..•.:.:..•.:.:.:.:.:.:..•..::.:..:.•..•.::::::::::~:::: ~;Applicant.Has Previously:Claimed:Bankruptcy::: View_Archive 10/13/2010 11:03am -Page 6 of 9 EXHIBIT "K" ~~~~'~ ~ : ~ennsVlvnnia _State ~~lo~ ees Credit U_nron_ Loan Disclosures {~ i a f i rr'~,1 '';.Idl It j ~` tt F,.~ r .l~r"I J rI°!'' ' n,~s tc;-,ril iu-f t~... I : ~ 1 = :. ~; r:r,,:, . .. .:, ::;. .:. ~ , _ ~,.: ,,, ; . ,. ,.. , I' . r. , . ... L:;~r.n_Ip;, r. r. .. .,.r. .~_,thePlan ~ i'~ru~,t ,, ,. i...~ I~ , / ,. ..i ~., ,;i -~~s, ,' .....,. ~ ~ ~u, ~ (~ ~~i ~:,: _ r, ~ t :,n I ;n ,1,ui ; tort You your a ~'I borrower r ::;:n ,v 'S"r I~:; ~i ;' VOLUtITARY PAYL?EPJT PROTECTION - ' ;:, ',,- 'r ..',,.y ' .,,,, r •ndr'rrl. Credit union. v; e. our i l,i us r;,.:,, ~ ,. ~:: ,~ .~n;,,, , .. ,~ t;rr: ~ - P:,.,~i~Lhun Vl ~,', hl ~, :h c'~!;r ~ r',"r)l'i: t F r dl ~` _~f _ ,,, i' f ~ r.! ,r (;t;n t. it Jnlun tra, ~~: r, ~ g~~f; under :! i>Inn- ~ ;r,u[ i, r_.;2 :!ih .;pry f ~.,I'iru t f' 1, it,°.' L1 ;r; , ; I i~~ ~re .l~'~) n~l-I t~ . ~r.c; ., HOW THIS PLAN WORKS - '' i; ~; ;r. ~ r-r, rrnl I', i .: r~' ,~~.~1 tarnlit fJ: a ., ~ ~, •,r in>, iu ,.. , r rr .l,iy in :, ~:~ :~~ t, nl'~.. r ,_,, I n:rr;,, ;, ,n ' -., antir,i~r,rtc rhs,t hr m ?inu, 1.~ `iiira y:iu sit! f,ai0.: n,r,i.iy ,r,:i,l,~;l ,i7v;in~ , ) .ir~rir,i ,.,ihrr~ h.tl ru:c. ,+, ur :if it"i r.. :;ill ,.n.,iir~,, ,_;~r Ir yeti. nt r,r tr r. ,>r;rior~ ,:,( 'Irr,: the Plan. We are not required to make advances to you under the Plan and c;rn orrr;,:up t r r'nl;ay thr. Ir, In bat ~~ ., • !'~~r rate u'::_.1 I<, rlr.r.nin~n~e h~o `..~.s :,r ~ refuse a re uest for an advance at an time. I he Adder,durn rloc ~nha; tlr: a y ~ > _,r,,, I / nsur.inr n ch:ur t.s raft' r.h.in~ e ~n the Ir,lun:. it tl~~: i;itn r -I ~ c ,vtll nog i !~ :~.,~ ~ different types of nreriit (called "subaccnunts") availaf.r'a under tfio Plan tlJC r ~irrclit ~ notices ro~p,u'od by :Ipp~ictrhlr, Inw. interest rile !or enrh ;ubnccouut expressr;~i ;IS a dt,ify perini;lr, talc enl pFRIUDIC Sl"A~iEMENT---On n «xlulal h;lsis ynu r~dl ri;ceive a stsitr:ment ~~,howurq corrospondinq annual perrentago r,te dart othr;r charges. It m,iy also have r,ther ;.ill imnsartions ~,Iniier Rlr; Pl;ul duruiq the penud ruvr,•r.;d by the strr(rmont. ~~ terms and a sr.hudulr, for drtunnininrt the pnymura nnuxrnts. ~iritcrnents and notices will he sr:nl to ynu .It the nui;l recent arldres; you have I CREDIT LIMIT - We may, but do not havr to, establish a credit limit on r,erGrin _ given us in writing. Unles apl:;lic~rhle law rc:rpriies nritla; to each joint honower, ~ subaecounis. If a credit limit is set for n subaccount, you pranise not to rxco4d the entice to any qne of you will be notice f9 all. established credit Emit. II you exceed the rrerfit Iirnil, you promise trJ repay s JOINT ACCOUNTS -- If this is a IrJint account, each of yuu i ; ~ndivldually and jointly ' immediately the amount which exceeds Uic ra~rdit limit. responsible far paying all ;trnnunts owod Tn<d moans sve can enlon:e our Ilyhls ~ REPAYMENT -You promise ro repay all ^mounls you owe Under the Plan plus under the Plan against arty ono of yuu individually nr aye lost all of you royrther. If you ' interest. Payments are due on the last dery of the month unless wo sea a different day ~ glut; us inconsistent instructions, we can refuse to follow your instructions. Unless our at the time of an advance. tl the Addendum has no payrrient schedule fur a Wfitlen pOIICy fflflllYCS all of you to sign for an advance, each of you authorizes the subaccount, your payment will be determined a) the time of each advance. Payments other(s) to obtain advances individually and agrees to repay advances made to the must include any amount past due and any amount by which you have nxceednd any other(s). Any joint accountholder nJay terminate the Plan by giving us prior written credit limit you have been given for a subaccount. You may repay all or part of what notice. If any of you terminate the Plan, the Flan is terminated for all of you. You you owe at any tune without any prepayment penalty. Even if you prepay, you will still remain liable individually and jointly for all advances incurred before termination. be required to make the regularly scheduled payments unless we agrr;e in writing to FEES AND CHARGES -- If you give us a security interest in certain types of a change in the payment schedule. If you have a joint sharedraft account, you will be ro eri we ma char e ou a tilin fee to ede:ct our interest in the uJ ert If we p p y' y g y g p p p y responsible for paying all overdraft advances obtained by a joint holder of the the arr,ount of the fee will be disclosed to you at the time you obtain an advance. do sharedraft account. Unless otherwise required by law, payments will be applied to , We may also charge you other fees in ronnertion with the Plan, Our r,urrent fora are amounts owed under the Plan, in the rnnnner the Credit Union chooses. disclosed on the Addendum and will be added to your loan balance unless you pay PLAN ACCESS -You can obtain credit advances in any manner authorized by us. If them in cash we allow you to use your ATM/Debit card to access the Plan, you may be liable for the UPDATING CREDIT INFORMATION -You promise that you will promptly give us unauthorized use of your ATM/Debit yard. You will not be liable for unauthorized use ' - written notice if you move, change your n mic or employment, or if any other in wfliirl0; of it iG ki55, iiieft, or pussi u"ic' i that nrnlrs airr?r ynu nniiiy us, orally ur ~ i i i~{u',5i, 'ycu also ag-ee t~ information you provicico ru us eil~,nilus ilpi;n ou ' unauthorized use. If you believe your ATM/Debit card has been lost or stolen, r Provide us updated financial information. immediately inform the Credit Union by r111ing or writing us at the telephone number or address that appears elsewhere in the Plan. If the card is used to obtain unauthorized DEFAULT -- The following paragraph applies to borrowers in Idaho, Kansas, advances directly from the Plan, your liability will not exceed $50. If the unauthorized Maine and South Carolina: You will be in default if you do not make a payment of your liability is governed by the Regulation F withdrawal is from a sharedraft account the amount required when it is due. You will also be in default if we believe the , disclosures you received at the tune yuu received your ATMlDebit card, even if the prospect of payment, performance, or realization on any property given as security withdrawal results in an advance being made from your overdraft subaccount: is significantly impaired. FINANCE CHARGE -The dollar amount you pay for money borrowed is called a The following paragraph applies only to borrowers in Wisconsin: You will be in "finance charge" and begins on the date of each advance. A finance charge will be default if you fail to make a payment when due two times during any 12 month computed separately for each separata balance under the Plan. To compute the penod. You will be in default if breaking any promise made under the Plan materially finance charge, the unpaid balance for each day since your last payment (or since impairs your ability to repay what you owe or materially impairs the condition, value, an advance if you have not yet made a payment) is multiplied by the applicable daily or protection of or our right in any property you gave as security. periodic rate. The sum of these amounts is the finance charge owed. The balance The following paragraph applies only to borrowers in Iowa: You will be in used to compute the finance charge is the unpaid balance each day after payments default if you are more than ~ 0 days late in making a payment. You will also he in and credits to that balance have been subtracted and any additions to the balance default if you do not comply with the terms of the Plan and your failure to comply have been made. In addition to interest, we may charge other finance charges which materially impairs any property you gave as security or your ability to repay what you are disclosed on the Addendum. If the interest rate is a variable interest rate, the owe under the Plan. Addendum explains how the variable interest rate works The following paragraph applies to borrowers in all other states: You will be in SECURITY -You pledge as security for the Plan all shares and dividends and, if any, default .f you do not make a payment of the amount required when it is due. You will all deposits and interest In all joint and individual accounts you have with us now and be in default if you break any promise you made under the Plan or if anyone is in in the future. If a specific dollar amount is pledged. for an advance, we will fieeze default under any security agreement made in connection with an advance under shares in that account to the extent of the outstanding balance for the advance. the Plan. You will be in default if you die, file for bankruptcy, become insolvent, if you Otherwise, your pledged shares may be withdrawn unless you are in default. In make any false or misleading statements in any credit application or update of credit addition to your pledge of shares, we may also have what is known as a statutory lien Information, or rf something happens we believe may substantially reduce your on all individual and jant accounts you have with us. A statutory lien means we have ability to repay what you owe. You will be in default if any property you have given the right under federal law and many state laws to claim an interest in your accounts. us as security is repossessed by someone else, seized under a forfeiture or similar We can enforce a statutory lien against your shares and dividends, and if any, interest law, or ~f anything else happens that significantly affects the value of the property or and deposits, in all individual and joint accounts you have with us to satisfy any ottr security interest in it. You will also be in default under the Plan if you are in default outstanding financial obligation that is due and payable to us. We may exercise our ' under any other loan agreement with us. You will be in default if any property you right to enforce this lien without further notice to you, to the extent permitted by law. I have given us as security is repossessed by someone else, seized under a forfeiture For alt 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 ~ or similar law, or if anything else happens that significantly affects the value of the property or our security interest ir. it 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 ' ACTIONS AFTER DEFAULT -The following paragraph applies to borrowers in given as security. Colorado, District o(Columbia, Iowa, Kansas, Maine, Massachusetts, Missouri, ~ Nebraska, South Carolina and West Virginia: When you are in default and after Additional security for the Plan may be required at the time of an advance. Ii a ~ ! " " expiration of any right you have under applicable state law to cure your default, we can New Cars ) you must ywe that subaccount identifies a type of property (such as A j t h t f d d b demand immediate payment of the entire unpaid balance under the Plan without I vance un er t accoun . ype o property as security when you get an a at su " giving you advance notice. means you must provide security subaccount name such as "Other Secured I acceptable to us when you obtain an advance under that subaccount. Property you The following paragraph applies to borrowers in all other states except Wisconsin I give as security will secure all amounts owed under the Plan and all other loans you and Louisiana: When you are in default. vre can require immediate payment = auurauru„ - ~ Ir " _ ~~70UP, 12J. `C.o ~ d .d_ ~a a nk.~i?:'i.,' ~~, ..1 rir Cn~rAJ1 PSECU FOFir.7 e311o ,;3XXU5u1-2 C37-2Ja2-r ,2p91 LQANLINER_' Credit ?nd Security Credit Agree/nertt (continueiil ace i slip 1 ,f laid 6 u c ~ u t i P~ +i ! .r . try t it -c>.I' !o d,.i ir.n : p~., ~ er t n,~ .~. '.f t, . ~~„..c r: a:e ,. ~ 1 .sic ~, a ..,, Ic ,.h n. The following paragraphs apply to borro+:~ers M all states except lisconsin and Louisiana: If i.. t. , - ~. ~.-~;, .. :,, .ili c;ri'i Ic , .. , . .. at ,+,e ,.r.fi,, i;i ~ ...i~.:.. _ . r. i l'Icnd.;'r. if ., 7.rmr c, t; ~,'r,: ~~. t~as rc•~•~~ ..J;, .. u > ~ ,.' tin riep: -. t. ,,,, ~ !,,, : I t .:1 ,m.... , ., it , ., , .. `(. u i i ;nC V c.ri t U.,c.+'~.~, r u I',.1 t. i R pc -,inn ,-,f ;:ny I'ir I [:t,r ~.-'~ii pis ,,,,,,,r ~y unc,c t° , r .. „,,;i , r i~;,.,. ~. ~ ~~ ,.:r~ be J, .... ._ -:. broach of Ire p~.ri_e I ..~ ask v:xi p~oru.,e to dclv~,r rhr: piupr~rty at a ti i', n,d I,lace :~.r; choose Ii thr. prr~pr~~ry i, :+ no!ca ~uhrlr: r,r boat. you agree thar ~nr a~.y chtau+ a kry or o>i'::r Ce~i,e ncu._,.,;ry o urnacK ,rrd nper.ile i1. wnen you are .n defauR We will not be rospa,slhlc'for any nthr.r property. not roverr:d by this Ayreenu:nt, that you Ir;ave insrJe th.~ prnpCrty or that is :rttarherl to the I?ropr,r(y, lNe will try to return that property to you or nuke d available for yvu to claim. Alter we have possession of tf'~e property, vee ran sell it and apply the money to any amounts you owe us. We will give you entice of any public c,lisposition or tl~e date after which a private disposition will be held. Our expenses for taking possession of and selling the property will be deducted from iho money received from the sale. Those costs may include the cost of storing the property, preparing it for sale ancf attorney's fees to the extent permitted under state law or awarded under tyre Ciankn,ptcy Code. You must pay any amnrlnl that ramnins unpaid after the sale money has Bern 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 IoNowing paragraph applies only to Wisconsin borrowers: When you are in default and after expiration of any right you have under applicable stale law to cure your default, we may reyuire immediate payment of your eutstanding 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 tike possession of the property by judicial process or any other method authorized by applicable law. If we repossess the property, you agree to pay reasonable expenses incurred in disposing of the property. It the property is a rnntor vehicle, mobile home, trailer, snowmobile, boat or aircraft, you will also be required to pay any posts permitted by Section 422.413 of the Wisconsin Statutes. You must pay any amount that remains unpaid after the sale money has been appiied to what you owe under the Plan. You agree to pay interest on-any unpaid amount at the carne rate as the advance, or, if applicable, at the default rate di ;closed on the Addendum, until that arnounl is paid. If the property is located outside Wisconsin at the time of default, we may take possession of the properly without judicial process, if pennitteil by the state where the property is located. The following paragraph applies only to Louisiana borrowers: When you are in default, we can reyuire immediate payment (ar:celer+tion) 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 h<~s 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 loltowing 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 tl+e Wisconsin Statutes. The following paragraph applies only to borrowers in Iowa: We can change the terms of the Plan from time to tune after giving you any advance notice requirod 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 tf~e 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 tune 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 loltowing 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 tci~~ ~ ~nrle~ t r'~rr..._ -.,':;; r ~ ~'ni n ~~'~ : r+ ~'t~~:e Pa~ at army, loco ~du i .-.:~ .. ,~~ I e ,:•i „ - ~~nJ ~',.. .. "e~~ n . 1o,i ubi ._rl v.'~.:n I ,j :.app , 1 ,;.f ri' ... ,.n~lz~ ~ h:n'~u .J ' ~e %' 1 u_:"'~'~~u~.~ .,, .;("<:r ;,~„ .r .h5 ., ~..:t ,h'.,. ,::r ~. ~ _. Pte DELAY ItJ ENFORCING RIGHTS AND CHANGES IN THE PLAN - :";,:~ 'tr- ~',r:~:~; n' , _ . n ., -' i' ..~-I ~ ~~ i dir . r•rla ,:~r , ,~r'~~ _.,~ I ... r Il :r . I ~.._.li F :,~ 1 c :'.at ., F'Ir,n CONTINUED EFFECTIVENESS :n, ' .' ~ I'-r , ~~'~"-7 L, - .,gut 10 be U.~~nl~Nl ~dJ~:. ;~ ( i ;",' t. (i" i~ r n ~~~ r r ..I. NOTICE TO UTAH BOHROWER~ r.; ii mn i ..t i., i I y i .,,',,,~ c.. the .~grcrmrnr t rr'r•,,:iri you r,~,' r, (: c,i t lJ,,~ ,. ~ i. .,n 'en a.JR.r-, nr;nt may net ,r• con'~'ad~ct: d by evidenr.c q' -,ny evil ruJ cr~•r~.rrd. The following is required by Vermont law - NOTICE TO CO-SIGNER - YOUR SIGNATURE ON TFIIS 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. USE OF ACCOUNT -You promise to use your account for consumer (porsonal, family or household) purposes, unless the credit unu>n gives you written permission to use the account also for agricultural or cornmerr..ial purposes. The following paragraphs apply if you give security in connection with an advance under the PIan.They apply to borrowers in all states except Louisiana. Louisiana borrowers will execute a separate security agreement. Borrowers in I 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 I 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 irirludos 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 it 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 dorurnent 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 j or receive in the iuture under iiie Ptari and any ether amounts cr Icons, 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 FerJeral 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. Yvu 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 roust 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 i us. You may provide the property insurance through a policy you already have, or ~ through a policy you yet and pay tor. 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 'I 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 tl~e property when due or keep it insured, we may pay these obligations, but we are not required to do so. Any money we spend (or taxes, fees or insurance will be added to the unpaid balance of the advance and you will pay interest on those amounts at the carne rate you agreed to pay on the advance. We may receive payments in connecUOn 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 the insurance 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 _a a ::> ~ nr. _.. _ _ _..._ __.._.__.___ I,OAIJLfNER~_Credi~ and Szcurity CreC/if_Agrpernent (continued) COl 1Ft:n~ r~l ty :'e 'r 1 ll. :i,yl.( .G F..fChd Se n',_t 1'i, is r'r ~ uni 'a.iOC :col„e~al a t;~. ~r r; i - ~' The :nsurance o':ill not be liability insurance and will not satisfy any state financial responsibility or no fault laws. PROTECTItJG THE SECURITY INTEREST - - • I • '. r ' I t C -..01 IS t 81311 <n C.' ~ .t,:r 1: t 1C. , Ind...:. C r ~~IF, i., ~ .. clairr,s rf _[-rers. Y~ i c•.a~.,,ah~•/ :uth •,rize u5 ~.~-, „ _:n. ' ~ i lti'~.'~~~ r ppl C il7e . -1 filr; r _ r r~o % ~ !`r~clt I C',•.Lr,u,i' t r~r i r ~ ~_. Irrr~ ~ ~; r•. i Ur',udnt to the ~;n, `_' i ~r~!r.~, : ~cidl Crtr,O !UC;CI ; - .n t'i C~~d ,'C;~~V ? ,.,. In . :Ir,,+ promise t0 na'.;h.t•r;vc ~ n':e ~n . ~~k a r ; . _ stry t_ ,~~oiec.t •ur ,cc.LU y rl'rrr..;t n tie p~ci;,,Fi' ~ ,i,u pn_r .~, ~, ,t ~ ,-_5t , -,Ji. -, ,.l '„~. ~,- , ,; ,r.,.. ~, fee S, ~J:C inCUf In prGiC C`'dlr_) OLrr Ser7lL'l'y 4di~Ir'r.f ^:1(1 ~i't h:; n the I'~, niii'.i'' :I ~i: Exienrperml;t9r; by ,rl+l~iir;ihlr,~ i;tw USE OF PROPERTY- i Inti~ tlu; r'wvnncc !rls bcr:n pr:i~+ :tri, y.,,; pr'rtn.iP,6 ,u,, ~:. d 11) Use ihr:~ property carefully and keep it 'n (;Wort wprrr ~?I Uhlrnn r~t"Ir ~~.'r.tten permiss~or, befc•ro nrt~utq !Haler chringes to the pn:pCrly or chrtnrJlny t`~~e nrlcrr;ss vrhele the property is kept. l3) Infurrn us in wrltiny before cl-tonging your ^ddra ;z:. id) Allow us to inspect the property. (5) Promptly nobly us it the prnparty is damaged, stolen or ahusad (6) Not use the property far any unlawfril purpasr; (7) Not to retitli; property in another state without telling us. NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEfiICLE - THE MOTOR VEEIICLE IN THIS TRANSACTION MAY BE SUB,IFCT TO :~r.c a,L Ar.uJ!Jfl~ ",c TO TIE SEC -;E~ f-nhT~ ~F=E NOT RECE-INFO !tJ _H.- I ".l_F. ~rIJ t.1;1'. -!r1'IF T '~ P„Y'~ri~ U.FFGRFtJC[. NOTICE FOR ARIZONA OVJNERS Of PROPERTY - it - ., ~ ~: ~- 'nr ,. „ .,, •~u ~; n'.d n a ri ': r ,'-.h;1 .. , _t' ,-, ! Icct '~ ... - ~. ' Iy , ,, •~, II .., i. u ,; , d° ,ai _. ,. ~ , - IY ii ~, _ .. f;i _r _. ~.~I. t + ~, -~ r,• ., _ _ .. '. Lf •:_ -trill ~u a f ~I ., o' ;~ 1 i. , .'~0 For those members who purchase a vehicle under the DRIVe Program, please review the following FTC Notice: NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. i REPOSSESSION IF IT IS REPOSSESSED ANO SOLD 1'O SOMEONE ELSL. p • r~eF r~.,~.y.~~r e~ # p.i xmrt k $~ f~:sr~ 1 i ~i- i,~ ;, p~p ~ t t...~' r _ .r }r f, • w~v..~~r.~rp-.c ~ '_> e) } f X ` ;:.~#~+ H~ ~l c~ f{~r~r, " t ~ : iJ,. y tla CJs)- , r , ,x-B~N.t ~ 6~~ , .r 'k~~~ 'iSil~ru~,',~i~~~~ 's6i~"M~k ... ~«a.- ... .,... .. ,.x ...~ r,.... 4, .c:w.i,w'~d~r, 4...~...w rwi'~d... .. 3~..r.,uvc:st,k..~~n..a-..,.rLn.:;:3x.,.!~.~"... c.2aq..sQLr~~i~ 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 ar unauthorized transactions. NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT. If you think your statement is wrong, or if you need mare inforrnation abou6a transaction nn your statement, write us qn 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 acr..eptance of any responsibility for payment qr reimbursement to us far any such error or discrepancy an 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 tine foiluwing inforrnation: ' Your Warne 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. It you need more ink>rmation, describe the item you are not sure about. If you have authorized us to pay a aedit card account automatically from your share account or checking account, you can stop the payment an any amount you think is wrong. To stop the payment your letter roust reach us three bt.rsiness 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 errcr 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. i 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 Card. You may be liable for the unauthorized use of your Credit Card. You will not be liable for unauthorized use that occurs after you notiry 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 After we receive your letter, we cannot try to collect any amount you question, or report 1 you as delinquent. We can continue to send statements to you for the amount you question, including finance charges, and we Wan apply any unpaid amount against your credit limit. Yriu 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 i finance charges related to any questioned amount. It 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 duo ' If you fait to pay the amount that vve think you owe, we may report you as delinquent. i However, it our explanation does not satisfy you anti you write to us within ten days I telling us that you still refuse to pay, we must tell anyone we report you to that you ' .,,..e 9 ^y:!E95Il Or! abOLll ~qu_p }i:~IL:rnynl Arai, wr: iiwi; i. 11:11 Vuri ii"rC rrti r7ld ui air'yvrre I we reported you to. We must tell anyone we report you to that the matter has been ; settled behveen us when it finally is ~ II 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 I 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 pw'chase in your home state or, it not within your home stale, within 100 miles of your current (nailing address; and (b) The purchase price must have been more than $,0. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. 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 aself- replenishing Line of Credit for you and notify you of its amount when we issue the card. You agree not to let the account balance exceed this approved Credit Line. Each payment you make on the account will restore your Credit Line by the amount of the payment which is applied to the principal. You may request an increase in your Credit Line only by written application to us, which must be approved by our credit committee or loan officer. By giving you written notice we may reduce your Credit Line from time to time, or with good cause, revoke your card and terminate this Agreement. Good cause includes your failure to comply with this Agreement or any 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 buieaus 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 ottter billed fees.. and the Minimum Payment required. Every month you must pay at least the Minimum Paymern within 25 days of your statement closing date. By separate VrSa' Credit Card Agreement and Truth In Lending Disclosure (continued) agle•.r tee': y.,u nr,.; a 'h,tl z~, ..a .u . ha gc I -' u ~ , -a, m. I d irtrt..l i; ,. - sh,re ~r c skin : ~tcc,t,'I r. t" _~ ~., n't,, ;f ~r -,r fp ,:1 ~ 7rlu::• t , t , .. ti-a :he: r'airlnl,, L Peyn i,r 1 O' I%.u ,. Tot:,, t Lam:. L' il~. ..~ .n t.,ll ^ra y~-, „I I :..CU .. ': , arr. Ed ,. IC h, '_.II ~ .f '. .. `i: ... ,.,:. C:S 1:"~ 1. .. ..i Tt e rt nimurn pay~natt .III he ~~ ~i ur r~ ti [ r. G :h`u<< i ...'.. 1 .~ t.n . nnx c c coC3r er bl ~) r l e r ht i.r y t;~ f 1lrion a r _~ F I r T I t`r; .r 8.,~.1, %,. 1. ~.~i. C1G , ,l ~. f:~l i t ,Il.. ;t`ll I ,~ ~'1~~~ ....!~I,' (.1~ Ill c,'ti:,E.. tlr "~~: ., .~. dematd V:c v, '. apply i~:,~ ,.d., ~ .,,. ~ ._'..ulq '; r ~, er •,_ to t, _.,_._, LI,E. `,,., then to precious r,~rSh ad<<u ers f t,'~,ca r I y,a the n '~ pl: it-us :..u,~~1., , I c:r__. ,;'-agCS ;hen 'O CJr,~ I I: a:U 1~^r. _. . '~n5 :.SYI f~.^. ~. t.1Cn I'Ftl.i rc tr ern I~~ pravicus p~.,~d~ase bars ~~i,s In tilc~ ceder `hn G~.c•y ~.or: pUSiixl to yur;r,u,, tu, s, 'ht~n to cur~;ld r,~r`,h Ord nor :..~I',rcc ,, ..'xi 'I rn c, raurC•nt pun;ha5^ bal,lnr~, ,. 7. FINANCE CHARGES - Yi~.l c;ln ;rooid ,I-e F~ntulce Chnrric ant pnxil::ras b; paying the full ;rmn',Ird of ttte New E3~tlanr;a of P'..ur'.hnsr,s e: ual nlunth s`~itlli.t ~'.E; rlrry°, of your staternerd closing d:rte. Olhenvisc;. the Ne`.v Bahutr.e of Piurh,r_~;, rln~! thr: subsequent purchases horn the dale thr;y are posted to your account `mill ho subject to Finance Charge. Cer>h advances are al~,vays suf;lert to Finance Chnryr: from the date they are posted to ynur account. Purchases: We calculate your finance charge by multiplying the ,rvornge adlush;d daily balance (see explanation below), inrludiny new purchases, for the billing cycle by the monthly periodic purchase rate and corm ;pending ANNUAL PERCENTAGE RATE as disclosed on the Addendum Cash Advances: We cefc;ulato your finance ch;,rge on cash advances by multiplying the average adjusted daily balance (sec 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 Avenge Daily Balance Ior Purchases The Average Daily Balance for Purchase Transactions is calculated by adding the. Daily Balances (Purchase Transaction} for j each day in the billing cycle, and then dividing by the number of days in the billing i 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 acJd 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 subtr<art the I amount of any Cash Advance transactions that posted to your account nn 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 -Gash 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 I Average Daily Balance is calculated separately for Cash Advances and is subject to the I Cash Advance Monthly Periodic Rate. The Average Daily Balance for Cash Tmnsacaions I is calculated by adding the Daily Balances (Gash Transaction) for each day in the billing cycle, and then dividing by the number of days in the billing cycle. To calculate the Draily Balance for cash each day, we take the following steps: We take the putstanding 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 thahday. After applying payments I and credits, we subtract the amount of any unpaid Finance Charges or Late Charges. Then we also subtract the amount rt 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 ii finance charges and from the day they are posted to your account. ors ;-~ ..,:n c, err`, . Ilic'~ ~,';~t I„~ a printrC :. ~.r t^~r, T•~e..'her ~s'0 rr',~hle'a ,.: t, .-. _.... ,,, I _i .,r I'. - is ~,. ~ ,, -;~_ , P rJ; in .,,. , .:C~ I . ; a.~l .ri ~.1:_. ,~ 1 TEIE f.1.IChi^.~ ~I ~t' err, {. ~~ i~ i,. ~'I:C ',_ '1. ?rl .'tat tru _ ~c ,)^ th;. i, ~ h~~~,I .{ l• .. t 17 1~:':.I ~ ._._ ._ ~ .I i~;:v. fl t,G' i! ~I~, .,. -. it ,,,~ f ', II _.: r~S'', II :.'I... rr-II:: .. ,-.._, .. _ ~,. ~r `, , ., _.I ~.~i~ a? mac? ll. 'l 1' i (~ ~. I ~{-il. 1 ':: l -,.I. .: i ~n: _; f m~ 7r h., Y.t L, t ;~~at I C .~'r to ._ Iv J{.; r I I , . ~ I I I , C r;r t ,r. 31~~ ,~.h. , ~ Isr, ! , ch: ~.. t„~ ; ..I ~_ p•. ~I ;~ r.ESt. 10. OVERDRAFT OPTION - I I - ~cl r~a:a,rt t •-,_.r F S~ Cll ~ : I C,r<': f~[ C8'r1. 'h4r: ol,ctio~t s _ub,~.,. to t.lc cxl~trr,l ,'~„ic li.r.t ,~ ~ he a( _~r[•~~t II rr__ ~ t•~° rll^L'r II I; )'~ 1 i,tlliry ~r' I'Ir,'. '~o .. ~.ll I^. S. ..~I•i18i1. ruU ~:~C:u <,r t, unn I',t,'Id th,rt a ~ eve d~a~t ~rodt hr, ^,ins '~ ~.~I ,ae yl .: ~;t r a_ ,rU~,anr,F1 i n yo~.tr PSE GII Vls:r ~,rcdit r,~:~d .Ind tl .t Ihr c~,t :..t ivr.cli Pr, I,~c nrlcr, r;;,?r i x e:;sh adv;utr:as r;dl apply. 11. RETURNS AND ADJUSTMENTS - tArl :lice -1= t 1 r,:hor'; :;ho honer rite care may give aedit tot returns alto ndjusunenL, and tnay c:~ll rio :,o tty „r:nchng us a credit slip which we will post In your Vlsa hoe of crcldlt If your clt~dit and payments exceed whet gnu owe us, we will automahr,ally,post the excess credit h,'dance to your S1 Shares within !Ei days. If the balance Is one coital or rnE,re, upon ynur ~,vrlttnn request, we well refund the r.mcGt b.rlance to you. 12. FOREIGN TRANSACTIONS - the; exchange. rate between. the transaction ourrnncy and the billing r,urrnnr:y used far processing irllornational Uanstetions is a rate sulerted by Vlsa from the range of rates available in whnlescde currency markets for the applirahle rr~ntml prru:nssing r1ak:, which rate tnay vary from the rate Visa Itself receives, or a government-nrtndntrd mte in effect for the applicable central processing date. In each instance, an acljustrnnnt ntay be assessed based on the ISA fee unposed by Visa. This fee generally totals 1"4, of the transaction. amount. In all cases, we will assess 1°~o cin all Irtnsai;tion amounts where the merchant country differs born the country of the card issuer 13. DISPUTED TRANSACTIONS - It you disagree or find an error with a Visa transaction, and have tried in good faith to correct the problem with the 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 slate within 100 miles of your home, contact PSECU. You are required to notify PSECU in writing withinFi0 days following the date on which we sent your statement wherein the error or problem first appeared regarding any discrepancy or unauthorized transar..tion nn your account. Telephoning PSECU dor;s not preserve your dispute rights. You rn<ay be required to provide us with docurnc;ntation to support your dispute claims. In addition, you may be required to complete a standard dispute form outlining the rlatails n} veer dir;nute. In rases of lmudulerit card use. PSECU will also require a notarized atfidavit~ In some cases we may ask you to notify the iocai authorities. If we do not receive the proper requested documentation in the tune specified you may be held responsible for the transaction(s) in question. PSECU must adhere to strict dispute timeh'arnes >et forth by Visa. 14. SECURITY INTEREST - To secure your acenunt, you grant us a jturchase money security interest under the Uniform Commercial Code in any goods you j purchase through the account. If ycu default, we will have the right to recover any of these goods which we have not been paid for through our appligation of your i payments in the manner described in the Monthly Payrnunt 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 ynur 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 I Shares or otherwise, or any other security interests for all your debts, your account i will be secured by your pledged shares (Deposits) and by the property described in ~ Payments are applied in the following manner: first to previous late tees, then to those other security agreements, except for your home. previous cash advances finance charges, then to previous purchase'. finance 75. EFFECT OF AGREEMENT -This Agreement is the contract which applies to charges, then to current late fees, then to previous cash advance balances, then to all transactions on your account even though the sales, cash advance, credit or previous purchase balances in the order that they were posted to your account, then other slips you sign or receive may contain different terms. We may amend the to current cash advance balances, and then to current purchase balances. Credits, I Agreement from time to time by sending you the advance written notice required by are applied first to the particular type of debt which is being credited, if any, and then law. Your use of the card thereafter will indicate your agreement to the amendments. to the balance of your account. ! To the extent the law permits, and we indicate in our notice, amendments will apply Note also that if the total of the payments and credits which are posted to your. ' to your existing account balance as well as to future transactions. account by the Payment Due Date shown on a statement is equal to or exceeds the I 16. LATE PAYMENT CHARGE -~ If your Minimum Payment is not received by the New Balance shown on that statement, we will not apply the Monthly Periodic Rate ', first day of the month following your due date, you will be subject to a $20 charge. to your Account on your next statement. ! 17. RUSH FEES -You may incur additional charges for rush processing and rush 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 it your Visa loan is in default. 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 ii 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 delivery of cards and/or PIN mailer 18. DRAFT COPIES -You may incur an additional charge for transaction summary/sale draft docl lmentetion. 19. COPY RECEIVED -You acknowledge receipt of a copy of this Agreement I 20. ILLEGAL TRANSACTIONS PROHIBITED -You agree that you will not use yew card for any transaction that Is illegal tinder applicable federal, state, or local law. 21. 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. 22. 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. 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L O 3 > G` O v O ~ooua°Em° od EEw~° - rno G > O c O cam 0 V ~ ~ ~ ~ O-a~MNn NOOVMO NNO~V~O OO N~~On~O UOO OOn OOP u 8 ~ E ° O wH¢' ~~n~O~O NO~OM000 hNa.n~N OO ~OVM•- mn NMNO `' c- o rn~-= u ° `°" E >, ~I v~v~vvvM MMNNN~ ~oooo oo,o.o~o~o~ co _m _maoeoao ° c 'o- c c E al NNNNNN NNNNNN NNNNNN Nor-•-.-~ ~ o~~Ev«o"~~ ag;a~~~ -°' 000000 000000 000000 000000 000000 L $o 'u O c~ ¢~,~ ~ aC ] N ]L d,u rnv C ~ ~NMVVI ~O n000.O~N M'V h~OnOD PO~NMV' u~~on000~0 H ~ O O u aw ]O > > ~.C~ u N H NNNNNN MMM'7'CV V'Q'V~~R Vu7h NU•7N ~N~!'ih~~0 O ~N «'O ,_ O~ u O ~dc ~ own a c "~~o coEE~ra e~°.'^ CmEcoaci° o] ; cdEav] r C~ u d ° ~ co O O'O O Ty 'O u C v'T~ o ~ OOONn~O NO Rnnst O.V RM~aO ~ON•-MMO NnO.MOV ~ o.. o vr- acs >o~ E ° dL ] a w oooo.NO~ nnomo» ~oNaovvv vvnm--~n Oo.-u~r-n~ j o 3 =-Q u ~- O ~ u ° E~O~- a ~ >' c ~I OOONU7h N~V~QC VMMMM(h NNNNNN NNNNNN E~ ~ GL c o 01 u a° rnE °' c E o E mo 0 ~~~ ~udov$~E~o v'EE~xcrn - 000000 000000 000000 000000 000000 '- °v 9y ~ E ~ w ] o d 'x °' ° ~ qq G N TEL ] > N Or ~ WL N ~ O--N M7~n ~onm OHO ~NMV ul ~onoo OHO )u~i 2 Vr a>.._ a~_C O O d'D E~w V d ~ '-NM VGA ~O n070~,_^^ ~,-^~^^ ^NNNNN NNNNNN 'J a u 0 z a 0 c v EXHIBIT "L" i ~~~~1 PSEC~k D 11/03/2009 BRYUN P MURI'FiY 1502 BRIDGE S'1' APT B, NE1,V CUMBERLAND, PA 17070-1183 Dear BRYON P iVIURPIiY: On 10/26/2009 your Charged Off Signature [..oan was charged off for 59,837.80. You are still resronsible for rcnayment of this entire debt. t?ecattse l~rlerest stopped «ccrrtirtg, t/tis allows rrs t« accept p«yneel~t «rryurgente~rls s«itrrble to your preset fi~rrrticirr! sllantinn. As your Account Advisor I will assist you with questions and concerns. I will work with yoLt to help you get back on track with us. This tivill give you the opporhmity to become eligible for our member services. Please call meat 2345484 in IIarrisburt- or call our toll-free number (800) 237-7328 At the menu Pmmht_I?Tess 6 then ext. 3119. Sincerely, Michelle Hess Account Advisor enc. Pennsylvania Sfate Employees Credit Unlon Main Address: 1 Credit Union Place, Harrisburg, PA 1 71 1 0-2990 • 717.234.8484 • 800.237.7328 Mailing Addross: P.O. Box 67013, Harrisburg, PA 1710G•7013 • 717.777.2100 (TDD) • 800.472.1967 (TDD) psecu.com This credit union fs federally insured by the Notfonai Credit Ur.ion Administration. Equoi Opportunity Lender NED PSE(~ 11/16/2009 i BRYON P N[URPIIY ~ [502 I3RIDUE ST APT B, NF,W CUMBBKI,t1NU, I'A 17070-1183 Dear 13RYO1V P MURPHY: C~Op~ We have tried several times to contact you concerning your Charged Off Signahu•e Loan. This account still has an outstanding balance of $9,837.80 plus any collection fees. 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 paythis debt, T will have no altertzative but to submit your account fo-• Manager Review. This may result in your account being sent to a collection agency or legal action taken. Should any of these options be accessary, you will be responsible For all cost and fees incr~rred. Please call me at 234-8484 in 1-Iarrisburg or call our toll-free nutnber (800)-237-7328. At the menu prompt, press 6, then ext. 3119. Sincerely, Michelle Hess Account Advisor Pennsylvania State Employees Credlt Unlon Main Address: l 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) psecu.com This credi! union is {ederally insured 6Y?he National Credit Un?on Adminislro?ion. Equol Oppodunity lender PSEC~ ,r' BRYON P Iv1UItPHY 1562 BRIDGE ST AI''C 13, NEW CUM131/RLAND, PA 17070-1183 Dear BRYON P MURPHY, ~-~, ~ o ~ olil lizolo ~ Ici~ ~P~~ ~~~ SETTLE YOUR CREllIT UNION llEBT AND GE'T A IO% DISCOUNTrt As a Credit Union, we recognize tlklt unexpected occurrences can sometimes result in difficulty meeting fmancial obligations. PSECU would like to help you with fulfilling your outstanding obligation with aone-time opportunity to satisfy your severely delinquent PS1;CU Charged Off Signature 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 ou 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: •:•bVe will reduce your current Charged Off Signature Loan balance from $9,837.80 to $8,854.02. We wilt stop ail interest and late fees from further increasing your obligation. •:•We will work evith you to establish a reasonable monthly payment. •:•Your credit report, which now reflects acharged-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. s•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 t}is letter and doing nothing could result in the following: •We will forward your file to our attorney orthird-party collection agency following 14 days of this letter. •:•CoIlection costs of 20% plus additional court costs will be added to your outstanding Charged Off Signahre Loan balance resulting in an increased outstanding obligation. s•Orir attorney will file a judgLnent against you in Civil Court for the increased amount. 4•Your appearance in court will be requested. •:•A Lien wilt be placed ou your personal property and be reflected on your credit report for up to 20 years making it more difficult to obtain credit ui the future including buying a vehicle and buying or selling a house. •:•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, tolh free, at 1-800-237-7328, or locally at 717-234-8484, extension 3119, to take advantage of this one-time offer. Sincerely, Michelle Hess Collector Member Services Pennsylvania State Employees Credit Union Main Address: 1 Credit Union Place, Harrisburg, PA 1 71 1 0-2990 • 717.234.8484 • 800.237.7328 Mailing Address: P.O. Box 67013, Harrisburg, PA 17106-7013 • 717.777.2100 (TDD) • 800.472.1967 (TDD) psecu.com This credit union is {ed°rally insured by tie Nof:°na: Credit Union AdminislraNon. Equal Opportunity Lander SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor FILED-OFFICE JW4,4OF ZN'E PROTHONO IARY 2010 DEC 10 PM I : -n CUMBERLAND CDUIN # Y PENNSYLVANIA Pennsylvania State Employees Credit Union Case Number vs. 2010-7416 Bryon P. Murphy SHERIFF'S RETURN OF SERVICE 12/03/2010 05:29 PM - Ryan Burgett, Deputy Sheriff, who being duly sworn according to law, states that on December 3, 2010 at 1729 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Bryon P. Murphy, by making known unto himself personally, at 1502 Bridge Street, Apartment B, New Cumberland, Cumberland County, Pennsylvania 17070 its contents and at the same time handing to him personally the said true and correct copy of the same. RYAN BURGETT, DEPUTY SHERIFF COST: $43.30 December 08, 2010 SO ANSWERS, RONW R ANDERSON, SHERIFF "Vi?? a-aNalrOTARY 'or T liz n, I JN?l 21 AVj 11, 49 ?t}t1gERLALY?? AT? nVi N`{ BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 2010-7416 Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. BYRON P. MURPHY, Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 2010-7416 PRAECIPE FOR JUDGMENT Enter Judgment in favor of Plaintiff, Pennsylvania State Employees Credit Union and against Defendant, Bryon P. Murphy for want of an answer in the amount of $43,726.09 plus interest and costs of suit. (X) I certify that the foregoing assessment of damages is for specified amounts alleged to be due in the complaint and is calculable as a sum certain from the complaint. ( ) Pursuant to Pa. R.C.P. 237 (notice of praecipe for final judgment or decree), I certify that a copy of this praecipe has been mailed to each other party who has appeared in the action or to his/her Attorney of Record. 31076121 }'S?u00 a{ 001 oq CAI a-2b 031 2010-7416 (X) Pursuant to Pa. R.C.P. 237.1, I certify that written notice of the intention to file this praecipe was mailed or delivered to the party against whom judgment is to be entered and to his/her Attorney of Record, if any, after the default occurred and at least ten days prior to the date of the filing of this praecipe and a copy of the notice is attached. Date: t' By: BARLEY SNYDER LLC pawn M. Long, Esq ire Court I.D. No. 8377 Attorneys for Plainti f Pennsylvania State Employees Credit Union NOW, J0. 0?l 126 East King Street Lancaster, PA 17602 (717) 299-5201 2011, JUDGMENT IS ENTERED AS ABOVE. Prothonotary/Clerk, Civil Division By?d?C'1? Dept*y 31076121 2010-7416 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY OFFICE OF THE PROTHONOTARY CARLISLE, PA TO: Bryon P. Murphy 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 3 ;4!to No. 2010-7416 with the Court of Common Pleas of Cumberland County - Civil Division. The judgment is in the amount of $43,726.09 plus costs of suit. PROTHONOTARY By: Deputy Clerk 31076121 2010-7416 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. BYRON P. MURPHY, Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 2010-7416 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 Bryon P. Murphy, the Defendant is not in the Military or Naval Service, based on the following facts: Age of Defendant is unknown; Present place of employment is unknown; Last known place of Residence is 1502 Bridge Street Apt. B New Cumberland Pennsylvania 17070 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 SNYVER LLC By: Shawn M. Long, E& Attorneys for Plai#tif: Court I.D. No. 83774 126 E. King Street Lancaster, PA 17602 717.299.5201 31'07612 1 2010-7416 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. BYRON P. MURPHY, Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 2010-7416 AFFIDAVIT OF SERVICE Kelly Cunneen, Paralegal, doth depose and say that she served a true and correct copy of the 10-Day Default Notice upon Bryon P. Murphy at 1502 Bridge Street Apt. B, New Cumberland, Pennsylvania 17070 by regular mail on December 28, 2010 at 5:00 p.m. The statements set forth in this Affidavit are made subject to the penalties of 18 Pa. C.S. §4904, relating to unsworn falsification to authorities. Date: December 28, 2010 BARLEY SNYDER LLC By: Kelly Cunnee Paralegal 126 East King Street Lancaster, PA 17602-2893 717.299.5201 30935881 2010-7416 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. BYRON P. MURPHY, Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 2010-7416 To: Bryon P. Murphy Date of Notice: December 28, 2010 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE FOLLOWING OFFICE SET FORTH 30935881 2010-7416 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 By: Shawn`1VI. Long, Esqui Court I.D. No. 83774 Attorneys for Plaint' f, Pennsylvania State mployees Credit Union 126 E. King Street Lancaster, PA 17603 717.299.5201 30935881