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HomeMy WebLinkAbout10-7718U~" TN~~'P 0~#iQNO Af~~' ~a~ooEC is Pn ~: z3 ~UMB~RI.AWD ~UUl~T~~ P~NNSY~.l~A~(~~ BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 Attorneys for Plaintiff (717) 299-5201 Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff v. NICHOLAS J. BALABAN, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW No. I~-~~'/ ~ ~II/t NOTICE TO DEFEND Pursuant to PA RCP No. 1018.1 YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice to you for any money claimed in the Complaint or for any other claim or relief requested by Plaintiff(s). You may lose money or property or other rights important to you. 3066448 c~ ~~a~ ~~~ :~a~ ~ ~~ a~+s ~-~ as YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU 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 3066448 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. NICHOLAS J. BALABAN, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW No. Defendant 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) Bias 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 pars 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. 3066448 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 LISTED 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 NINGUN HONORARIO. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 (717) 249-3166 3066448 BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 Attorneys far Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff v. NICHOLAS J. BALABAN, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL 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, Nicholas J. Balaban, is an adult individual with a last known address of 911 Woodland Drive, Lemoyne, Pennsylvania 17043-1211. 3. On or about August 20, 2008, Defendant entered into a PSECU Loanliner Advance Proceeds Voucher and Security Agreement and Loanliner Credit and Security 3066448 Agreement and Loanliner Addendum ("Agreement I") with Plaintiff for the purchase of a 2003 Cadillac CTS, VIN# 1 G6DMS7N030112308 ("Vehicle"). A true and correct copy of Agreement I is attached hereto as Exhibit "A" and incorporated herein by reference. 4. Plaintiff s perfected security interest in the Vehicle is evidenced by a Commonwealth of Pennsylvania Certificate of Title (the "Title";I, a true and correct copy of which is attached hereto as Exhibit "B" and incorporated herein by reference. 5. Defendant defaulted under Agreement I by failing to pay the monthly payments when due and is currently due for the months of May 19, 2009 and thereafter. 6. Based on Defendant's default, Plaintiff repossessed the Vehicle on or about July 23, 2009. 7. By letter dated July 23, 2009, Plaintiff provided Lefendant with Notice of Repossession and Right to Redeem (the "Notice"), a true and correct copy of which is attached hereto as Exhibit "C" and incorporated herein by reference. 8. For purposes of this action, PSECU is entitled to be reimbursed for all costs and expenses, including reasonable attorneys' fees of twenty percent (20%) of the amount due for enforcing Agreement I. 9. Defendant remains liable to Plaintiff under Agreement I as follows: Principal $3 851.88 20% Collection/Attorneys' Fees 770.38 TOTAL $4,622.26 plus costs of suit 10. On or about January 14, 2009, Defendant applied for a Signature Loan with PSECU and on January 14, 2009, executed a Signature Loan Activation Notice ("Signature Loan 3066448 2 Activation Notice"). A true and correct copy of the Signature Loan Activation Notice is attached hereto as Exhibit "D" and incorporated by reference. 11. PSECU approved Defendant's application and opened an account (the "Account") in Defendant's name. 12. Defendant received a disbursement on the Account for college tuition subject to the terms and condition of PSECU's Loanliner Credit and Security Agreement and Loanliner Addendum ("Agreement II"). A true and correct copy of Agreement II is attached hereto as Exhibit "E" and incorporated by reference. 13. Defendant is in default under the Account for failure to make payments when due. 14. Several notices of default were sent to Defendant: On October 14, 2009, January 5, 2010, February 9, 2010, February 19, 2010, February 24, 2010, March 3, 2010 and March 23, 2010. True and correct copies of the notices are attached hereto as Exhibit "F" and incorporated by reference. 15. The balance due and owing to PSECU from the Defendant on the Account is $4,711.86, plus collection costs of twenty percent (20%) or $942.38, which totals $5,654.24 plus costs. 16. PSECU has demanded payment from Defendant, but despite these demands, the Defendant has refused and continues to refuse to make payments. 17. 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, Counsf;l 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 3066448 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, Nicholas J. Balaban, in the amount of $10,276.50, and costs of suit. BARLEY SNYDER LLC By: -Shawn M. bong, Esquir Court LD. 83774 126 East King Stree Lancaster, PA 176b2-2893 717.299.5201 Attorneys for Plaintiff 3066448 q. VERIFICATION Pennsylvania State Employees Credit Union v. Nicholas J. Balaban I, Gregory R. Diffenderfer, being duly affirmed according to law, depose and say that I am the Collection Manager for Pennsylvania State Employees Credit Union; that I am authorized to make this Verification on its behalf and that the facts set forth in the foregoing Complaint are true and correct to the best of my knowledge, information, and belief. To the extent that any of the averments in the foregoing document are based upon the understanding or application of law, I have relied upon counsel in making this Verification. This Verification is made subject to the penalties of 18 F'a. C.S.A. §4904, relating to unsworn falsification to authorities. Dated: (l ~23 Zo ~O T Gregory R. Diffenderfer 3066448 ~~~~~~ EXHIBIT ~ . ~ ~ ~ , ADVANCE PROCEEDS VOUCHER AND SECURITY AGREEMENT PSEC 9 ~. L~T Pennsylvania State ~~ Employees Credit Union ti,v P. O. Box 67013 •• Harrisburg, PA 17106-7013 717.234.8484 .. 800.237.7328 Y°~ MEMEiER NAME DATE. _' ~ '= •: MEMBER AC~COUNT.NUMBER NOTENUMBER `~- NICHOLAS J BALABAN ~ /20/2008 019870`~403/L10 0007345580 911 WOODLAND DRIVE LEMOYNE, PA .17043-1211 PURPOSE; " ' Dealer Purchase ~~ TRANYSACTION ^ ^ DVANCE 3 ~ ESCRIBE) 4 ^ EQUTY ADVANCE ~ 1. NEW LOAN 2. LOAN A . . D INSURED WITEITHE FOLLOWMH3 COVERAGE S ADVANCE YES ^ iT D13AaINO ~ Y sNG^LE CREDIT F~ , YES ^ CREDIT OE~ DAILY PERtODN: RATE ANNUAL PER- INTEREST RATE IS AMOUNT REQUESTED AM~OUNT-A`'D'~V'A'NCED PREVIOUS BALANCE NEW BALANCE ~ (CIU-NGEINTERMSONLY) CENTAGE RATE +DTHERCHARGE3 L....,,._;_- , : ° 01230.14 4.490 0/, FD(ED VARIABLE .~. ~• ~ -~ ~] ^ 13, 000.00 ~].3~r,QQ'a•.~:0. 0.00 13, 000.00 PAYMENT DUE DATE PAYMENT FREQUENCY PROJECTED LOAN TERM 242.29 9/19/2008 Monthly ~TF({$ IS A~~ QE4UITf ADVANCE, THE ONi.YSECURnY FOR THIS ADVANCE IS THE REAL PROPERTY (IN M037 CASES YOUR FDDME) WHICH YOU GAVE A3 ~CURITY WHEN YOUR ACCOUNT iFTW NOT~~ NOME EQUITY ADVANCE, IN ADDITION TO THE PLEDGE OF SHARES IN YOUR LOANUNER° CREDIT AGREEMENT, THE FOLLOWING PROPERTY SECURES THIS ADVANCE. FTEM~ PROPERTY MQDEL ::Vpgp.. •. LD. UMBSt2 ~ ,=TYPE :~~.. . rVALU6i '. 1. L. ~.i CADILLAC 2 a TS 2003 1G6DM57N030112308 SDN 14,125.OC 4.OTHER r YOU PLEDGE SHARES ANDfOR DEPOSITS OF $ OLD ACCOUNT]LOAN NUMBER A PAYOFF PADJC. + INT.) M ACCOUNT NUMBER OLD ACCOUNTA.OAN NUMBER D PAYOFF (PRINC.+ INT.) OLD ACCOUNTA.OAN NUMBER ~,. (C) PAYOFF PRINC. + INT.) , OLD ACCOUNTILO/W NUMBER D PAYOFF RINC. + INT.) OLD ACCOUNTA.OAN NUMBER PAYOFF PRINC.+ INT; OLD ACCOUNTA.OAN NUMBER PAYOFF PRWC.+ INT.) 7 . By accepting the proceeds or by using the funds advanced and deposited into 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 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 dlsclosod above in accordance with the terms of the Plan. 0 CUNA MUIUAI QRGDP,1980, 82.04.88, 89, 98.99, 2000, Ot, 04, O8, ALL RIGHTS RESERVED ', L) PENNSYLVANUI STATE EMPLOYEES CREDrT UNION FORM g3t75 JVXXO100•t 037.2092-1 {BOG) p... ~~OI~ 3331 ~Ce4lVN~[~.~ _ ; ~`" ' Pennsylvania ~~State Eniployi;es"`Credit Union ND, 7345580 - ' PO Bo+6701)'• flurrfsburq, PA1]fOb70 r7 • (717) 231.848) or;800)7J777~3 • I AUTODRAFT;~ VOID OVER-S.%13,000 00 -!„-; REFERENC&' 0198705403 VOID 12D DAYS AFTEfi OHl13/3006 ' rl •~•, . •. -'r - •r-PAY~TOTHE i ~t,', ./J / ~ :.. _ - "ex - _ _~ ~ ORDER OF,.(DEALERI !~ /l•~'t7>D~G 'LlhCV40~1--~ _ S %~'30,1~[~J ~- _ _ .- .. , •` ~hi.t•~f~ 7~JvtA ~ ~~~~DDLLARS I J IMPORTANT;•VOID UNLESS DEALER ENDORSEMENT COMPLETED -'•c NEM9ER-Et`DORSEh1E(JT ._ _ ~ ~ ~ ~~ I ~r ~. f3uye fOrdeii 6U df Sse jNtw and Uud Vehctea and factory invoice V1e ~ V h JeJ ~e/ entloisinq-Ibis AuloDraft,-IfyVe agree to the ietms listed on the reverse sWe t- 1nus4ber e~.id beta ejhe:.utuDrut hiecci+ed by P°_ECU or lheAutoOratc wdl bC~ of theilhlLf Conlq(ete lhe,follDwing~repaymenl lnlcrmdtion., ~ ieiirned. no~ponfo0 (Ihe Proceeds or vA :.uto0la!t mJl odpmu to the coi ro.vmulrl ~ ~ _, f- ': _'~ _ " ~ . or to /11 syen: al Uie 6cnowerlel, Thi; ILttu'Jre It allall nor Ue ~u:•d la Wrchato I- 7.rm It.l r 1 ~~ -~li Itr la h1+. mum Terms .n she A1otei Veh ce Lc rt: Pre:hu _ - reemslruetW. eomm.ruat, etas: n 11 'JraOad, or flood titled ~.•hicba ni vr.LVrlee - ~. f letrod ~ mo Tr.n ~ L7 Harneo:. >,~n3 ^ Pavr oll ~ _~. htonmiy ;ou;o I ^ 0 t~. F,~meni Utbd ou s.Ae lhe.Uuibd Sla[ia.,b~..rrepcnq the Droeetds of ltrz tltal r. YOU adrte to I Fr+quer.;y ~'1.1amNY ~ BnWed4 t~ Iti'cer It ^ ie rM1' rr lv the tameletd on tnerevax aae 1• s•~'.~PS[CtI FAX1717.7A7~301~ ~ 1>' i ~ Ei~`~-~ //~ • vat r ' •'' • - ` ;- "t'" v=¢n Member Endorsement ~/ ~~ t%(A `_' - 1~ • • N1CtiOLr1S J D~~LADAN YE/et MULE MWEI ~ fAlll:Ar# •r ~ ...',! ~ . . Q~ ~p~t I ~ p G ' ~ I-.S 56~6g Co-Applicant Endorsement PE+IER r tcvu _ _ ,~; :, ce+tea r+io^E puroeEn ~ NO CO-APPLICANT ' . II'7345580~11' ~:23>,38>.LL6t: 310687426611' 44 EI'000L30017D0E1' T ~e3o >g~m i~r °~-n49' agT ~"~D ss~z ~~~~ -: m t.aC 3as .~o~o A ^o li ~e ao ~~ S,~7J.~-~J Elc~~ll~o :3b4 7. y ~ i n o o < r rmn m° E`r`a-^a~~o ~ Sa `~D'~'~`m Cr i D-pG~O ' e~Sg_g_m~--^r ad ~n5a_-g-~m wt. - . ~"O~r D CJ (7r ~ o+g Y^nnY,~Dp awe o a M..o S m f +k o, D eEafe<~7~~ ep I""aM f a Ko ..$n ~ ~_ ak^ m nC. rs , ;innmo s~`+a>:x=o-§osx_9 ~~~~~8e 3~D ~f m~ gii-3 ~B~v~ca~ m _ 3 aro »^ m- tNC:~~ =aBS< -co ~N ~ vl~;~s~ So4n m2' p0() r 7^garna ao>•+ 3 i;~f ~ ~Q ngp rett~ f" t.- Ca ~~ ~ e' ' 9 so• •R ~ .. ;! n e~"~ con _ '^75Yw°z ioSo'rq- o 7J2 m rt .. n~ o ~ d o ~ a .. t7 ~ 4~ y ~ s ^ j Q i n I R FIfT~'1&d,"i - .1. 1931r~14~4t. . ~ n n 7 rt ^ n ~ ~aog, g"~~R"s V ^ 7 a~~s'4-'=' in' ~ ° @8-19-t~ i~'t3TE~55`J O~r11"f~,a'S.7 51575491 n • n~r,aaze;-°- , , a~"so°^"~$a`•m _, v ~~ _- ow3 i 4 og. S m ° Pj ~~x ^ = r as 3 _~ <~ ~o ~ S^me~ p.. -..' - _ _~ ;~~ R pytt. a Y~q 1 D Y-w ~P iTo °a R f ~6S - Z Vin{ ~B<°•rf ~ an o f - ~ Penns I v~ ania State ~m~la ey es Cr edit Union ia; u~r r~0 r'A'r..~'i13~~-0 ., ~ -.1 '-'i,?:~-Y~l.i O ,%1' ?.r J.1~.1 ~ ] ">E'i'~ ~,, i~'d Loan Disclosures ~:I{~~ ~~~t~fr rr ~ t ~~..~ ~r~ l}t1,T(1 +';' !r•r. '.r «,# y~ > ~ rs f i (r fi= (tJ r.., it ~~ r~ 1T'~ ~~ ~ ` ,I E r h ` ~ r rhos i_oAPJUrJt.F: r ..: t :~,~i ;,,_,-. _ •~ , r~c~n-~ t. ,:~~:~I 1. r...; , ~, ,.,_ ., ~ ~;,. ~ .r n t _~ I,.,,~:, , < ,.i,t :. , . _ ~ :l ry ; r;,.. ~~a t . ~~ . l ,:ndiny Dls~ I t ,. _ ;rr: , ;::,s the Plan ' . Pln: ai ,. ~ :., , t' il:.r ; ,... uJ ., or ~~ ~:;r . rr,; :i . , nary , , ~,~c.u ~, th. , 'an agreement nn 'I 1n Aid' rluin. You. your ;i .rl borrower r:.°.n ink; .: ;~- T .I :T ;{,;r" VOLUNTARY PAYf.1ENT PROTECTION b:4~ r-, T; r'fr;r `41.,, !a'y Pn; e,;, t IhePl~n. Credit union, ave. our ;,nd us c~ . T:-. PSE~ C.J .>n.i,;r c, r r.~ r,r, ri,.: (lrr::'t ' lu ,t i F i •I^ r t P •[~r.[iCi•, i, ~ t r s'uy t T nb Tin r chit If f',r,;ectrtm ;n you. ~,n y ' ~~ UcIGn lfartStCr,; 'o ' IS .!rider Ih_` Pl:ui - 9 mui_I-'~'i-T:c:V~ ~r',c'yf.r- ~, tF ~,,L.~~a,n'rr^tuS .a.af:xi._;,i.t)a:Lltf-e'[.Cs NOW THIS PLAN WORKS - f is ~> ,uT r rrrenrt nu;i~trTa,.,i~.J c~c•dit f,;ir: '.".'.. ; r ins~ri,r,.,:;, ~ ~dn..~s n~~;~ tl ly ~o sour I;~~;,n hTl u,ce ~,~ i r?:ure yuu~,rton,;t ~,n "~,e anticipate that, from Nmr totirtu;, you ~.vill borrUNmori:y (r,;l!lerl "ddv~uuc., l:rlar;r. iiiitir'e ba;lanco At our opliD~ ice aldl c!~::nge youi irlyinent or the j;eriod i,f tin10 the Plan. We are not required to make advances to you under the Plan and can neccsary to rr:l,ay the lur~n h:,le,n~e TITe rite u~crl h> detr,rmine the fens or refuse a request for an advance at any time. the Addendum descnhcs the incur uu e chatgr•s rnay r hnnge ~n the, future. If the r,ttc _ I :u,ges. we wdl provide tiny different types of credit (called subaccnunts") avriilab!ca under the Plan thr, rurrenl ; noticc,s ter{aired by apirlicable law. ~' interest rate for each `;ubarcollrt expressed as a flatly perinriic r,lte and ~ PERIODIC STATEMENT - Jn a regular b~t ;is you will receive a sGilement showing corresponding annual percentagr; rate and other chargr;s It may also hove r~the,r cTll transactions under the Plan during the penud rovereu by the state:menl. terms and a schedule for de4:rrnininy the payment amounts. Statement, and. noticrs will be sent to you at the most recent address you have ~' CREDIT LIMIT - We rnay, but do not herve Io, establish a credit IlYnit on rerGTin I, given us in writing. Unless applir,,ible law requires nolire ~to each joint boriower, ~ subaccounts. If a credit limit is set for a siibaocount, you promisr, not Io exceed the notice to any one of you will be notice to all. established credit limit. II you exceed the credit limit, you promise to repay JOINT ACCOUNTS - If this is a joint account, each of you is individually and jointly immediately the amount which exceeds the creriit limit. responsfile for paying all amount, owed. That meauu wE; can enforce our rights REPAYMENT -You promise to repay all amounts you owe under the Plan plus i 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 month unless we sea a different clay ~ yive us inconsistent instructions, we can refuse to follow your instructions. Unless our ' at the time of an advance. If the Addendum 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 be determined at the lime of each advance. Payments other(s) to obtain advances individually and agrees tci repay advances made to the must include any amount past due arxf any amount by which-you have P..xceeded any other(s). Any joint accountholder rnay 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 and jointly for all advances incurred before 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 schedule. It you have a joint sharedmft account, you will be ro ert we ma char e ou a filin fee to ertect our interest in the ro ert If we p p y' y g Y y p p p Y responsible for paying all overdraft advances obtained by a joint holder of the the amount 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 bo applied to , We may also charge you other fees in connection witl~ the Plan. Our current fees are amounts owed under the Plan, in the manner the Credll Union chooses. disclosed on the Addendum and will he 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 unauthorized use of your ATM/Debit card. You will not be liable for unauthorized use UPDATING CREDIT INFORA4ATION -You promise that you will promptly yive us G l i ~ " `~-~ ~~~~~~°~- ~ - ` "' ""~°'~~' er written notice rf ou move, Chan e your name or em loyrnent, or i any of g ~r vu ~~uu us, ~r~ ii,ai uuuurs a l ur ~ ~ ~ •~~~~,~ cr unauthorized use. If you believe your ATM/Debit card has been lost or stolen, hanyes. Upon our request, you aiso agree information you provided to us c immediately inform the Credit Union by calling or writing us at the telephone number or Prowde us updated financial information. address that appears elsewhere in the Plan. If the yard is used to obtain unauthorized DEFAULT -The /allowing paragraph applies tv 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 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 if we believe the disclosures you received at the time you received your ATM1Debit 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 /allowing 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 tail 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 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 /allowing 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 it you are more than ~ 0 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 variable interest rate, the are disclosed on the Addendum If the interest rate is a owe under the Plan. Addendum explains how the variable interest rate works. The /allowing paragraph applies to borrowers in al! other states: You will be in SECURITY -You pledge as security for the Plan all shares and dividendsand, if 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 if you die, file for bankruptcy, become insolvent, if you Otherwise, your pledged shares may be withdrawn unless you are in default. fn 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 it something happens we believe may substantially reduce your on all individual and joint accounts you have with us: A statutorylien 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 interesCin 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 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 it 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 ,'tot 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 of Columbia, Iowa, Kansas, Maine, Massachusetts, Missouri, , 4dditional security for the Plan may bs required at the time of an advance. If a . Nebraska, South Carolina and West Virginia: When you are in default and after I subaccount identifies a type of property (such as "New Cars") you must yive that expiration of any right you have under applicable state law to cure your default, we can ype of property as security when you get an advance under that subaccount. A demand immediate payment of the entire unpaid balance under the Plan without ;ubaccount name such as "Other Secured" means you must provide security , giving you advance notice. jcceptable to us when you obtain an advance under that subaccount.' Property you The foNowing paragraph applies to borrowers in all other states except Wisconsin Live as security will secure all amounts owed under the Plan and all other loans you and Louisiana: When you are in default. we can require immediate payment I _ ~ . ~CUpk rdU"UA: Gd0UP, 1520,?eC 0i. 02 NL_ 11HT~nE5E3':'i0 ,,t. i~:,.; ~{ ~~ __ _. _CPSrd01 PSECU FORM •3116 JGX XO6Jt~2 C37-2092~t ;2.Obl LOAh'LlNER• Credit ar;d Sec~r~r Credit Agreemer?t ;continued) rnrn ~~ rr c.r P~ r~.','Je ca-) c ~ , ~I t' ~ ^n a i' n c.r ;rat r ` Me P e i rt t y (acceleration r of 'he e~'ti e unpaid balance ardor the P'an loo cn ve any ~iy'v ,ou ` a c c:mt v~u r tray c nrel he I''^.n ,tt i / t r , rl l u~ p ~lur ~ v>n n Ir ro r np i I bn.:,, ,.es ,.nJ~r , ,a Icir' ; rf :r,u Pa ~ uar'inuu, ..r.~tr~:r > r ?h : aU o ov' ' ro deriand for pay~n~~enL notice of ,ntent to accele~a:e and nntica of acceler;ucn . , ,. .. ~ . , I yo~~ or 'he Cr„c. t ~,r:on c_r~ _~~; !I. PI:)n The following paragraphs apply to borrowers in all states except Wisconsin and DELAY ItJ ENFORCING RIGHTS AND CHANCES IfJ THE PLAN - :'.'a ca ale r,y L O(/r5fana: If IL Ir'l: -rh, t I -- .LIGn ~ tjt_!Tld r C r'i11 tall :OI 'It rl (, ~. }'y Ir F - ~ .. 1 _ e -n'` rl. ~ ,,,•, I _.r n i t i ,. h ~ i I r -t I r ~ ~r: 'ruI ~ _ _r,t ~r N .,.,~h ;:d w t y~,, ~ ,.C li,,; 7.: I I r rr, a th a~,FI ~t.l , ~irr es' rncC, ~ ~. ~.bita ~ ex, c r~,.r uq ~IS I cr ' ~.+•: n P r z~ s :c r 15 t,i at t ~e : etawt r ate a s Ic ,ii nn th _ Addends'.',. If a i nnnd tr r nm,) rr: c,te pa, ru nr ' ` ega r p , ,gin r..c.s If ,.c r.h-.i ,~ !hc :elf L,~ F' . ~ ....~ r.~ ghat ~ r~l~u, ,at yo., r . has bc~n rr ,Je goon sh~~res ardor depc,s'L can h~ a{,hl,;•i to.:,+rc.s ee " ' „`'I r.,,r 1, rat.; W ,~«;t~~'t uS- Jr ra•' [~I.u uxerc >,: ,ri n!lie; e as r- c~~dd ~ I r~- Se C~i il ~~ a , al'd ,_~_u~l+y nyns given Ly law c:nt,n ,cu -.re I~ cr;4au t. CONTINUED EFFECTIVENESS i' an/ t ~''I~, ; F t ~ d~;' r i •te1 bd a court `lo,i acre li Cnx:.t U - , '.~s : ': rirlr~,t +, tak~^ rn ~ scion ;>I any hi< Pc rid rl~~.ven to Le unGrrfurccat?lo. Ire rest v.~nl re-., art m r r r.l. as serur4y order the P n :~ shout ;udi,,l.il piocr,s. Y this c:.rn be k ne midiout NOTICE TO UTAH BORROWERS -T~.IS rltm^ a;l ~ ~meni Is a anal exp rs~.r,n of breads of the gea~~o. It vde as~<, gnu pror ,ISr. to dr;li~er the property et a time ;and the agreement ben:'eert you and the t;recbt Union l us .iltlen agreement may not place wr: choose- If fife propery is a rnritor vehicle or boa[, you agree that we may br:rontraditaed by evidr:nr.+: of any oral agreernrnt. obtain a key or outer device necessary 'o unlock and operate it, when you are In The following is required by Vermont law - NOTICE TO CO-SIGNER - default. We well nut be responsible for any other property, not covered by this YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE Agreement, that you leave inside the property or that is attached to the property we EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE will try to rrttun that property to you or make it available for you to claim. BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL After we have possession of the property, we can sell it and apply the money to any RIGHT TO COLLECT' FROM YOU 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 ' USE OF ACCOUNT -You promise to use your account for consumer (personal, j selling the property will be deducted from the money received from the sale. Those ' family or household) purposes, unless the rrecht union gives you written permission s costs may include the cost of storing the property, preparing it for sale and attorney ~ to use the account also for agricultural or commercial purposes. fees tb the extent permitted under state law or awarded under the Dankniptcy Code. I You must pay any amowtt that remains unpaid after the sale money has been applied The following paragraphs apply if you give security in connection with an , i L i to any unpaid balance under the PIan.You agree to pay interest on that amount at the ana. ou s advance under the PIan.Triey apply to borrowers in all states except i B at the default rate disclosed on the or if applicable same rate as the advance n orrowers j Louisiana borrowers will execute a separate security agreement. , , , Addendum, until that amount-has been paid. I other states may also be asked to execute a separate security agreement. The following paragraph applies only to Wisconsin borrowers: When you are in THE SECURITY FOR THE PLAN -You give us wh<'.rt is known as a security ~ default and after expiration of any right you have under applicable state law to cure your interest iri all property described in any receipt, voucher or other document you receive for an advance ("the Advance"). The security interest you give includes all default, we may require immediate payment of yore outstanding loan balance under the accessions A:;cessions are things which are attached to or installed in the property Plan and seek possession of property given as security. You may voluntarily give the The security interest also includes any replacements for the now or in the future 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. Ii we repossess the . property which you buy within 1 U days of the Advance or any extensions, renewals you agree to pay reasonable expenses incurred in disposing of the property. property I or refinancing of the Advance. It also includes any money you receive from selling , If the property is a motor vehicle, mobile home, trailer, snowmobile, boat or aircraft, you roperty or I d e f t P one/ to is ~ o na P e En I i will also be required to pay any costs permitted by Section 422.413 of the Wisconsin sked to do so f r t r as ec ive us mo e romise to o ec n Y P 9 P p y Y Statutes. You must pay any amount that remains unpaid after the sale money has been ~ WHAT THE SECURITY INTEREST COVERS/CROSS COLLATERAL PROVISIONS applied to what you owe under the Plan. You agree to pay intemst on any unpaid I -The security interest secures the Advance described in the receipt, voucher or any amount at the same rate as the advance, or, it applicable, at the default rate disclosed .other document you receive at the time of the Advance and any extensions, renewals ~ nn the i+rieirnr;wn ...ail tl gat amount is ~,.. ,,, refi^anCi^~~ of rho n,ri~ranra. It also secures anv other advances you have now It the property is located outside Wisconsin at the time of default, we may take or receive in the future under the Plan and any other amounts or loans, possession of the property without judicial praceSS, if permitted by the-state where including any credit card loan, you owe us for any reason now or in the future, the property is located. 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 The following paragraph applies only to Louisiana borrowers: When you are in Property will secure only the Advance and not other amounts you owe. default, we can require immediate payment (accelerahon) of the entire unpaid balance under the Plan. You waive any right you have to demand for payment, notice OWNERSHIP OF THE PROPERTY -You promise that you own all property you of intent to accelerate and notice of acceleration. If immediate payment is give as security or if the Advance is to buy the property, you promise you will use demanded, you will continue to pay interest until what you owe has been repaid at the Advance for that purpose. You promise that no one else has any interest in or fhe applicable interest rates in effect unless a default rate is disclosed on the claim against the property that you have not already told us about. You promise not Addendum. If a demand for immediate payment has been made, the shares and to sell or lease the property or to use it as security for a loan with another creditor deposits given as security for the Plan can be applied towards what you owe. We until the Advance is repaid. You promise you will allow no other security interest or can also exercise any other rights given by law when you are in default and our. lien to attach to the property either by your actions or by operation of law. rights under any security agreements you have with us. PROPERTY INSURANCE, TAXES AND FEES -You must maintain property CANCELLING OR CHANGING THE PLAN -The /ollowing paragraph applies insurance on all property thtrt you give as security under the Plan. You may purchase only to borrowers in Illinois: We have the right to change the terms of the Plan from the property insurance from anyone you choose who is acceptable to the Credit time to time after giving you any advance notice required ny law. Any change to the Union. The amount and Coverage of the property insurance must be acceptable to interest rate or other charges will apply to future advances. us. You may provide the property insurance through a policy you already have, or The following paragraph applies only to borrowers in Wisconsin: We can through a policy you get and pay for. You promise to make the insurance policy Payable to us and to deliver the policy or proof of coverage to us if asked to do so. 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 If you cancel your insurance; and get a refund, we have a right to the. refund. If the in the daily periodic rate under 'a variable rate interest rate is not considered a property is lost or damaged, we can use the insurance settlement to repair the change in terms under the Plan. We can cancel the entire Plan or any part of the property or apply it towards what you owe. You authorize us to endorse any draft or Plan at any time. You may cancel the Plan at any time by giving us prior written check which may be payable to you in order for us to collect any refund or benefits notice: Your obligation to pay the unpaid balances under the terms of the Plan due under your insurance policy. You also promise to pay all taxes and tees (like continues whether you or the credit union cancel the Plan, except to the extent that j registration fees) due on the property. your liability is limited by Section 422.4155 of the Wisconsin Statutes. If you do not pay the taxes or fees on the property when due or keep it insured, we may The following paragraph applies only to borrowers in Iowa: We can change the pay these obligations; but we are not required to do so. Any money we spend for taxes, terms of the Plan from time to time after giving you any advance notice requiretl by law. A change that increases the rate of finance charge 'or other charge, that i 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 increases the amount of your payments, or that otherwise adversely affects existing ; receive payments in connection with the insurance from a company which provides the I ~ balances will apply to existing balances only if you agree to the change or you use insurance. We may monitor our loans for the purpose of determining whether you and i the Plan after receiving notice that your use of the Plan means you agree the ~ other borrowers have complied with the insurance requirements of our loan agreements change applies to existing balances. I or may engage others to do so. The insurance charge added to an advance may include The /ollowing paragraph applies fo borrowers in all other states: We have the ~ 1 the insurance com an s >a menu to us and 2 the cost of determinin com Rance O P Y~ f Y O 9 P right to change the terms of the Plan from time to time after giving you any advance ', with the insurance requirements. If we add amounts for taxes, fees or insurance to the notice required by law. Any change in the interest rate will apply to future advances, unpaid balance of an advance, we may increase your payments to pay the amount and at our discretion and subject to any requirements of applicable law, will also added within the term of the insurance orapproximate term of the advance. apply to unpaid balances. INSURANCE NOTICE - If 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 i property. The premium for this insurance may be higher because the insurance ' I ~yx#~~~ " ;2` __ LOA!JL(NER'_Credi! and_Se~ur~ty_Credit A~reernent !continued) ~:ormpany mn,r ^ave given us the right u hurcl~ase ~n;urt:,ce ;`'o~ unins,rea collateral a to;t or da•raged The insurance will not be liability insurance and will not satisfy any state financial responsibility or no fault laws. PROTECTRJG THE SECURITY INTEREST - .' f ~~ ~: ~ .; { t fr,i prc,pe ty ~~ ~ p~cn'sc to h~~•r, u~ _ r ~ ri i ~ c~rest ,.,n or i ti -c.. t ~y '7 ~~ to fde'.vhxl ~s rated a fi~ia^cinJ ~~aterne: ~ to protFr.t o:.r sera i,y iidCr~,,,, from ,,e claims cf others. Yo,i InevocablV -iuthnrizo us !o ^xecntn ion year bchal`) ~f applicable, a^d hIe cnc or more fintu~cing. ro~~tnur,tion or a'i~ern5r;~en; statemt;r,ts pursuant to the Jrnfnrm.Gommr:rcnl Code (UCC:) ~n frrm sat~sf ;r.:ory to us 'lo^ aL;u promise to do vahatever else we U~ink is necessary !o protect our sccui~ly'~,nteresi in the property. v'ou prorrnso to pay a~i costs. ~ncluring but not linided to -my a;toin~;y fees, we incur in protecting cur ser:urlty in'erast and riglris in the property. ro the extent permitted by apl;!ir_ablu I,avt USE OF PROPERTY - Until It~e Advance hers been paid oil, year proniisc yo~.~ w~ll~ (1) Use the property carclully and keep a in y~nd repair. (2) Obtu~n our written permission before rnakiny rmajor changes to the properly or changing the addrEas where the property is kept (3) Inform us in writing before changing your address. (4) Allow us to inspect the property. (5) Promptly notify us if the property is damaged, stolen or abused (6) Not use the property for any unlawful purpose. (7) Not to retitle property in another ;fate without telling us, NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE - THE MOTOR VEf-IICLE IN THIS TRANSACTION MAY BE SUBJECT TO REPOSSESSION. IF iT IS REPOSSESSED AND SOLD TO SOMEONE ELSE, This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. You arC 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 acr..eptance 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 pracr?r~re yniir rinht~ In your letter, give us the following information: ` Your name and account number. ` The dollar amount of the suspected error. Describe the error and explain, if you can, why ydu believe there is an error. If you need more information, describe the item you are not sure ahout. If you have authorized us to pay a credit card account automatically from your share account or checking account, you can stop the payment on any amount you think is wPOng. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur. . YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE - We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the statement was correct. In this Agreement, the words you and your means each and all of those who apply for the card or who signs this Agreement. Card means the Visa Credit Card and any duplicates and renewals we issue. Account means your.Visa Credit Card Line of Credit account with us. We, us, and ours means this Credit Union. 1. RESPONSIBILITY - If we issue you a card, you agree to repay all debts and the Finance Charge arising from the use of the card and the card account: For example, you are responsible for charges made by yourself, your spouse and minor children. You are also responsible for charges made by anyone else to whom you give the card, and this responsibility continues until the card is recovered. You cannot disclaim responsibility by notifying us, but we will close the account for new transactions if you so request and return all cards. Your obligation to pay the account balance continues even though an agreement, divorce decree or other court judgment to which we are not a party may direct you or one of the other persons responsible to pay the account. The cards remain our property and you must recover and surrender to us all cards upon our request and upon termination of this Agreement. 2. LOST CARD NOTIFICATION - If you believe the card has been lost or stolen, you will immediately call the Credit Union at (717) 234-8484 or (800) 237-7328. After hours call (800) 556-5678. 3. LIABILITY FOR UNAUTHORIZED USE -You agree to notify us immediately, orally or in writing of the loss, theft or unauthorized use of your Credit 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 Al L At~tOUfJTS DUE TO THE SECURED i~ARTI' ANE fdCT RECEII'ED IN THAT SALE. YGU f;tAY ;-i.~`JE TO PAY THE D FFERENCE. NOTICE FOR ARIZONA OWNERS OF PROPERTY Its . ~ for ,o ~ to 'aa to rr,turn a motor vehicle t::at a s~:bjoct to a sc,c., :y r ~ .,t ;•.~ " n tiny u rys ~,,:c~i r ,u t ~~:,, ~: _. .al net .. f t.r;fa_ Ir T e ~ i.,~, .r II Lr: r %r,l~.:~ ~ t,~:; ttu~ '~~ Yea .. . > I' s ..r r~.~,:~i~5,r,iLt~y t> ,cht~~ uc i ~~ u~ -r1 ; ~.,, ,h, ~ The rr'~x rn~,m•, pena~ty for ur'n~afal faiure !n ~<;han .n ~nr,t. c.n cle . ;,r _ ,o~tri^, prsu~~ -;rd or ,i f;ne of 5150.600. For those members who purchase a vehicle under the DRIVe Program, please review the following FTC Notice: N_OT I C E ANY HOLDER OF'THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. After we receive your letter, vve 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 'lo pay any questioned amounfwhile 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 finanre 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 c9oes 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 have a question about your statement. And, we must fait you me name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first $50 of the questioned amount, even it your statement was correct. SPECIAL RULE FOR CREiD1T 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) Y'ou must have made the purrhase in your home state or, if not within your home statr~, 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.irom time to time, or with good cause, revoke your Bard 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 INFORMATIONI -You authorize us to investigate your credit standing when opening; renewing or reviewing your account, and you authorize us to disclose information regarding your account to credit bureaus and other creditors who inquire of us about your credit standing. 6. MONTHLY PAYMENT - We will mail you a statement every month showing your Previous Balances of purchases and cash advances, the current transactions on your '~ account, the remaining credit available under your Credit Line, the New Balances of !i 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 ~t5~j'i:.. ! Visa' Credit Card Agreement and Truih ht Lending Disclosure (continued) agreement you may a~:horz.r. ~rs to charg,. tn~. m,nirnrn payment a~'rnnaticarly 'o , ~ r share yr checking act;^unt'a'+ih us Yo,, may. of cour,e fray more froque ~Y;. part' n^o'_ than the h4inimtun Payment, or pay the Tctal fJe~:^: Bala^ce in f„II. and you •~ I! reuuce ^~e !inanCe Cna'g2 by dCli~ Su If t',1 L;' r.~n[rli, p~!yr^Lnf CxC::Od51' C Iv .. C'e' , <. hA nn: ..,,ed we : i~l i:rtcmatral!y post e c~edt +~ •r~,,~~ c~ spares The minimum payment will be (a) 2°~ of your Tctal NE v Bal<ri.,e, rot,ndod t,p to :F e: next even dor a[ or (bj 520.00, v,Puchever s greater In ddiGon 91 my h ne r r"r Tnt :I Ne.v Balarce exceeds you- Creria Line. you roast imm ._f rt fly ha, th': exr~c,. ,, uaon ;; r demand, bNe wrll apply payments in the fo b•.ving manner first to previous la±e faes then to nrevirus rash advances finance charges, then to previous purchtrso fnanr.n charges, then to current late fees than to p'nvious cash advance halnnc es. then ;:+ previous purohase balances in the order ;hat trey wore posted to your ar,rourn, rh~n to currant cash advance o.dangos. and thCn to curicnt purr;hase balances 7. FINANCE CHARGES -You can avoid the Finance Charge on purchases by paying the full amount of the New Balance of Purchases each month wilhln 25 nays of your statement closing date. Otherwise, the New Balance of Purchases, and the subsequent purchases from the date they are posted to yixrr account, evil) he subject to Finance Charge. Cash advances arc always subject to Finance Chargr, 6om thn date they are posted to your account. Purchases: We calculate your finance charge by mulliplyiny the average adjusted I daily balance (see explanation below), including new purchases, for the billing cycle by the monthly periodic purchase rate and correspnndiny ANNUAL PERCENTAGE RATE as disclosed on the Addendum. Cash Advances: We calculate your finance charge on cash advances by multiplying the average adjusted daily balance (see explanation below) for cash advances during the billing cycle by the monthly periodic advance rate and corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum. Balance Computation Method Average Daily Balance for Purchases The Average Daily Balance for Purchase ~ Transactions is calculated by adding the Daily Balances (Purchase Transaction) for each day in the billing cycle, and then dividing by the number of days in the billing cycle. To calculate the Daily Balance for purchases each day, we t:~ke 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 atld 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 r in any preVinuc day in thn hilling cycle. This gives us the Daily Balance for purchases. Average Daily Balance for Cash Advances -Cash Advance Transactions which are posted to your account are not included in the Average Daily Balance calculation for purchases, and are therefore not subject to the monthly periodic rate for purchases. The Average Daily Balance is calculated separately for Cash Advances and is subject to the Cash Advance Monthly Periodic Rate. The Average Daily Balance for Cash Transactions is calculated by adding the Daily Balances (Cash Transaction) for each day in the billing cycle, and then dividing by the number of days in the billing cycle. To calculate the Daily Balance for cash each day, we take the following steps: We take the outstanding balance ~ (all amounts you owe) at the start of the day. Then, in the sequence in which amounts ~ are posted to your account, we add the amounts of all debits and subtract the amounts of all credits or payments which post to your account that day. After applying payments and credits, we subtract the amount of any unpaid Finance Charges or Late Charges. Then we also subtract the amount of any Purchase Transactions that posted to your account on that day or in any previous day in the billing cycle. This gives us the Daily Balance for Cash Advance Transactions. Note: Cash Advances are always subject to finance charges and from the day they are posted to your account. Payments are applied in the following manner: first to previous late fees, then to previous cash advances finance charges, then to previous purchase finance charges, then to current late fees, then to previous cash advance balances, then to previous purchase balances in the order that they were posted to your account, then to current cash advance balances, and then to current purchase balances. Credits are applied first to the particular type of debt which is being credited, if any, and then to the balance of your account. Note also that if the total of the payments and credits which are posted to your I, 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 i sufficient to make the minimum payment due if your Visa loan is in default. You will also be in default if your ability tc repay us is materially reduced by a change in your employment, an increase in your obligations, bankruptcy or insolvency proceedings involving you, your death or your failure to abide by this Agreement, or if the value of our security interest materially declines. We have the right to demand immediate payment of your full account balance if you default, subject to our giving you any notice required by law. To the extent permitted by law, you will also be required to pay our collection expenses, including court costs and reasonable attorney fees. 9. USING THE CARD - To make a purchase or cash advance, there are two alternative procedures to be followed. One is for you to present the card to a ' participating Visa plan merchant, or another financial institution, and sign the sales or cash advance dra". c~hich v:dl he imprinted w :h vour card The other is to romplete _ ~ ~.r ~ ., v.r;h t e ca^rJ ' i :.n ~u'c r _rad irllcr t.lachin~ t,r cl~r~r t;~pe of e ecVOn'c terr7iral that n pro. rtes ~_,c.^...,5 .u . ~ ; ~+r .,ys'~~r Yoa agr .. ,I ,a' .r' no' ise vour ca'd `or eny Ira ,_.c`on th~.t i, i Lori,t a ,"ar a,;plc=:ble ..d_"J ~_ i ~ , r~r Ic.rzl lac^r.l hr: mor~tt~ly st=. a ~,!d ;, II :ent'y h. ..rch .r . ....... ,. .~, ,r;l nr ~rrar~al ~~s.~'_,[sn at :~h ~ h . :nsr+rt a _ _ ~ ,~ I „ Snl.~ c.t5' ,n;,,~~r ;^i,: r o'ner s~~ps ~-rnr of be returned :i. r t ,~ ~s'aE~t .nt Ynu i l ;-: ~t ~ ~, :~ pr ,r u:;n sips fumisred : !are tree of tyre tra'saL; ut n r, Jr r to .i. hi thr: r ro. i , , c r pant TI e Crer14 lhuon may m~.k< a 'cgs. -:l,n. ,~I ~.lo ft,r ~ d c , ,.. .4 ,q.:r „ u •.:ry~ ~..-,..ro;t. 10. OVERDRAFT OPTION - It -u t!ec, ~ ~'r:ntt to ~n,,r P~EGU Visst Credtt Card. that el~ctirn Is i,rLj,ct to the e.i lui~ ueln li:n:[ an7 tfre agreement it rej fC ,Cots % le me CIVIC I 108 r t JIIFy al Ire 'i trt, r~i II E tr Cr Jfell ruu aibu understand that an uve u at .:ill he C.SnsiderPd t're sa na ;is a r rs ~ advance on your P~;ECl1 Visa Cr~~dlt (':rri :rnr+ that the currant Annum t'errentage Rate inr casn advances will apply. 11. RETURNS AND ADJUSTMENTS - Pule;rc:hants „nri others c~ho honor the card may give crodit for retains and adjusuncnis, ancf uury will do su by sr:nding us a credit slip which we will post to your Vlsa line of credit. It your credit and p.rymonts exceed what you owe us, t^~e will autoinatirally post the excess r..redit balance to your S1 Shares within 75 days. II tho balanoe is one riollar or more, uptin your 'i written request, we will refund the credit belancP to you_ ~~ 12. FOREIGN TRANSACTIONS -The exchange rate between the transaction currency and the hilling currency used for processing international Transactions is a I rate selected by Visa from the range of rates available in wholesale currency i markets for the applicable rc-;viral processing date, which rate may vary from the rate Visa itself receives, or a government-mandated rate in effect for the applicable { central processing date. In each instance, an adjustment may be assessed based ~ on the ISA fee unposed by Visa. This fee generally totals 1",~ of the transaction amount. In alt cases, we will assess 1 / on all transaction amounts where the merchant country differs from the country of the card issuer. I 13. DISPUTED TRANSACTIONS - If you di ,agree or find an error with a Visa ~ transaction, and have tried in good fadh to correct the problem with the merchant or the charges are the result of unauthorized or fraudulent use, or your purchase cost more than $5U 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 days following the date on which we sent your statement wherein the error or problem first appeared regarding any discrepancy or unauthorized transaction on ~ your account. Telephoning PSECU does not preserve your dispute rights. You may be required to provide us with documentation to support your dispute claims. In addition, you may be required to complete a standard dispute form outlining the . .,r di;n ~rtP. In .`.,..,..., of fralldU!°..^.t Card L..,.. PCFrII I Urill a.lcn rs?gtrim a notarized affidavit ~ In some cases we may ask you tocnotify the local 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 timefrarnes set forth by Visa. 14. SECURITY INTERES"f - To secure your account, you grant us a purchase money security interest under the Uniform Comrnerrial Code in any goods you purchase through the account. If you default, we will have the right to recover any of these goods which we have not been paid for through our application of your payments in the manner described in the Monthly Payment section. With respect to this account only, we will rot assert any statutory right we may have ii 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 I will be secured by your pledged shares (Deposits) and by the property described in those other security ayreemenis, except for your home. 15. EFFECT OF AGREEMIENT -This Agreement is the contract which applies to all transactions on your account even though the sales, cash advance, creditor other slips you sign or receive may contain different terms. We may amend the Agreement from time to time by sending you the advance written notice required by law. Your use of the card ihe:reafter will indicate your agreement to the amendments. To the extent the law perrnils, and we indicate in our notice, amendments will apply to your existing account balance as well as to future transactions. 16. LATE PAYMENT CHAIRGE - 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 ~ summary/sale draft docr.tmentation. 19. COPY RECEIVED -1'ou acknowledge receipt of a copy of this Agreement. I 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. 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. j i 22. NEURAL NETWORK -- PSECU uses neural network systems to predict and prevent unauthorized transactions. 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O F-I n_~~~~^ t~~~O ~o ~0 ~0 ~Cr~O ~O ~o ~o~ ~N~~~~ ~v)u)v)cv O~-~„ - 1~ 2 ~ o v ~ a c~ o''v ~'- ~ ° E aw ~ ~ 000000 000000 000000 000000 000000 "o o S»;a ob m ]~ Y b v .~ p ] O)C ] O O v j~ ON ~ •-Nt`7VN~0 I~aOPO~N M~N~O t~aO PO~NMV ~~O I~aOPO C v a C O ~'>L E a v o H c ~`w wl ~O ~O ~O ~O ~O ~O ~O ~O ~Ont~l~ nn nnnn na0W00 CO O0 CO CO O]a0 a0P C L O y ~~ ~ C W« O M °h- b UL C C 0 0 V O O'n ~ p ~ CCVO; >cpy~ "O O m ~ °_~~ ~ E pprN ~ ° m S.E ~ a o D _ PPf`')o0n NOO Vf`')O NNPV~O aO NN~O I~VO PaD a01~oOP °JO E._ Q•- c0 t O v v `c ~ ~ ~O.-t~V0~0 NO~O ChOW NNPnV7N ~N~OVM~- o0n~r7N0 ~ v c~ o rnL O a ~ ° p c E E ~ ° Q v7~nvc VCh MC7NNN~ •-0000 OPO~PPP c0 a°ap a°a0 c0 ~ O O v c -0-._ p° E K NNNNNN NNNNNN NNNNNN N~-~~~'- ---~~~-•- V ~ 0-o d -y ~ o •~ c ~ o ~ ~ O. a~~ ~ 000000 000000 000000 000000 000000- .u ~ c v Q CO o O.c j jL C V OL al KI ~N(`7R~~0 I~c+OPO~--N (")ONTO I~OO PO.-NMV NCO I~GOPO o i ;~ a0`^ ]O ~, i >[~~- °cu N F- (`7M Mt~7MM MMMO`7O OOOVOO Ov1 cAN~~ v7~V)u'1N ~O o v° N N ~LV."- ~°_ o] vc o° E~L CO K ooce'~^ CvEc^mo~o] rm~Ea~] L ~•o c - o 00 `vo-E v0 ~ a O ~ O ~ c c Q ] >~- ~ u d .,..m OOO~n~O NOOnnO PO OMNO] ~ON~MMO NI~PMOO O-.~ Q9'.c ~ ~ c ~ i~~ E o vs ] ~ w OOOPNP f~l~0000N SON OOV OV OVf~oO ~-v7 oJ~-N~n~ ] O = ] ; a.a0 v v ° v..°d ?~ ~ T 'c HI OOOM~ON MO~NQN OAT I~~ONO (`')N~OOP [O NI~h~O ~O ] C3 0-D ~ c= ~ s-° rnE E y O ap~o O ~ OOO~ANcA hV1OOOO OM MCh r7M MMMMMN NNNNNN ~~N ~um_~'`-'LE°" `~E'Eocm ' 000000 000000 0~~0000 000000 000000 vvu -c- SEEN x- Z O~ Q VI E A O y U ~ °~ .% y°~ C C 99 ~ C U~ 2 VFL- a0L aOs O O 2~ Etu°. w u a ~ '--NMVN~O h. oJPO^N M'P V'1 ~O~oJ POD-N(`7V ~f1 ~O I~oJPO ^- NNNNNN NNNNNC'7 ~~~ Frhihit ~~ CERTIFICATE OF TITLE FOR A VEHICLE 455 E7917t]9999f304 97~- 001 1u6DF157N030112308 I 2ClIJ3l CAI}Il.LAC 61?33831404 BA VEHICLE IDENTIFICATION NUMBER YEAR MAKE OF VEHICLE TITLE NUt.1BER sDN I 0 I Nt! I 8./26/08(. U5636$ I D 80UY TYPE DUP SEAT CAP PRICR TITLE STATE ODCM."FROCD. DATE I ODOM. MILES ODOM. STATUS 4/2D/D5 I 8/26/N8 DATE PA TITLED DATE OF ISSUE UNLADEN WEIGH T GVWR GCWR TITLE BRANDS pl; L(7 l~J t' I REGISTERED OWNER(S) ~dt lay j' )ff~: NICHaLAS J BALABAfiI`~ ~ ,rl,"°:. r°'`^;,,~ rI„ ~ ____ 911 4loaDLAND DR LEltaYNE PA 1?D4 3 FIRST LIEN FAVOR OF; PSECU FIRST LICIV RELG1jCD DATE BY AUTHORIZED REPRESENTATIVE MAILING ADDRESS SECOND LIEN FAVOR OF: ODOMETER STATUS 0 =ACTUAL MILEAGE 1 =MILEAGE EXCEEDS THE MECHANICAL LIMITS 2 =NOT Tt{E ACTUAL MILEAGE 3 =NOT THE ACTUAL MILEAGE-ODOMETER TAMPERING VERIFIED 4 =EXEMPT FROM ODOMETER DISCLOSURE TITLE BRANDS A =ANTIQUE VEHICLE C =CLASSIC VEHICLE D =COLLECTIBLE VEHICLE F =OUT OF COUNTRY G =ORIGINALLY MFGD. FOR NON-U.S. DISTRIBUTION - H =AGRICULTURAL VEHICLE L =LOGGING VEHICLE P = ISNJAS A POLICE VEHICLE R = RECONSTRUCTEp S =STREET ROD - T =RECOVERED THEFT VEHICLE V =VEHICLE CONTAINS REISSUED VIN W =FLOOD VEHICLE X = IS/WAS A TAXI If s second Iienholder Is listed upon satiafacNon of the first Ilan, the first Iienholder must forward This Title to the Bureau of Mntor Vehicles wllh"the appropriate form and fee. SECOND LIEN RELEASED DATE BY AUTHORIZED REPRESENTATIVE PSECU P o Box 67[f13 HARRISBURG PA 1,71!76 (M W 'C)O W 0 I cenity u of the date of Issue, tho official records of the Pennsylvania Depanment of Trenaponatwn reflect That the person(s) or company named herein is the lawlul owner of the said vehicle. SUBSCRIBED AND SWORN TO BEFORE ME: nw u,warsyAed Hereby mesas avPU~alroo for cenalcelo a nne to me ~amaa descrawd above, suf>iact to Ne encumMancea and owar legal cie:ma eel IeM Here. SIGNATURE OF APPLICANT OR AUrHORIZEO SIGNER SIGNATURE OF GO~APPLICA:VTrrITLE OF AUTHORIZED SIGNER ALLEN I? BIEHLER Secretnry of TrJSnsporlation If a co•purchaser other than your spouse is listed and you want the tide to be listed as 'Joint Tenants Wdh Right of Survivorship" (On dea(h of one owner, title goes to surviving owner.) CHECK HERE ^. Ottienviso, thp,tillo will be Issued es "Tenants In Common' (On death of one owner; Interesfof deceased owner goes to his/her heirs or estate). IF NO LIEN, CHECK ^ IS THIS AN ELT1 (IF YES, FIN REQUIRED) - YES ^ NO ^ 1ST LIENHOLDER FINANCIAL INSTITUTION NUMBER: 1S'. LIENHOLDER NAME STREET s t CITY STATE ZIP 1 IF tJ0 2ND LIEN, CHECK ^ IS THIS AN ELT? (IF YES, FIN REQUIRED) YES ^ NO^ 2ND LIENHOLDER FINANCIAL INSTITUTION NUMBER: 2ND LIENHOLDER NAME _ STREET CITY STATE ZIP ~r ~ Fi'y;11 (TYf~~ O:; h'f,'IrJ-i) C:ci f." e r ~ au I I ,~~I r. lu ~~+: d. ur:s t'e ~ r is a registered dealer 1. Iding the vehlGle for_resale - - -- - - n / q ('7) (v~ ~ ~~ (-~ _ \ - 'rE _ T ~r. H -Ulr. T ~(CIJ T~ ~, _ ~i H~ ~ ~i\_~_ v CGfIv~ECT CIJ 1`11TH THE TRA.P:SFEH Or C'. PIERSHIP. FAILURE 1tPIT FRBOPIG ES CR Ir f HE TIN FI ' ~ L ~ I la V 1I ! ~f 1' T2 ~ l _ ,, ~ ?J: I _ I __ _ ____ --_ _, -- F - ~. -- - - - ~ . , , -- I•-_ F.~TST 611~.~OIF PIAP.IF ~ V A, ASSIGPJNIENT OF TITLE - -. . ,1~ .iv _. r .. I~r Jc 2., .IL„ (.,_, .., ._ ir. T. _r.._ _.. - _ ~ .~._-. suascr~aBEO nr~D s:~rcRN TO BEFORE P:1E . R , v !;CRP SEi9 SIGLATU9E J I I CO-PURCHASER hJUST '. Q ~ HAPIDPRW.T NAME HERE ____ ______----__ W CL SIGNATURE OF SELLEri - O __-_ d ~~ ~ SIGNATURE OF CO-SELLER -"-~~-- Q l SELLER AND/OR ---- _-~--~ i~ CO-SELLEFl MUST ~ (n HANOPRINT~NAME HERE ~ -. ~ • IlWe cenity, to the host al mylnur knowledge that the odometnr reading is LAST FIRST MIDDLE NAME if rlTl lS _ ___ _ r _ _ ___ x miles and reilucts the actual mileaye of the vol tide, yUS NESS NAME Fl1LL unless one of the following boMes is chucked: Rellecls the amount of mileage Is NOT the actual mileaye CO~PURCHASER C~ in exre-ss of its mechanical limits WARNING: Odometer discmpancy ___ STREET I/Wo funher cerlity Ihat ato vehiclo is Iree of any encumbrance and that the ownership is hereby ADDRESS __ transferred to the person(s) nr the dealer listed. ..__ - . -.-____ __ -__ -- __. __ _ CITY SUBSCRIBED AND SWORN TO BEFORF_ ME: STATE Zip PURCHASE PRICE OR DIN ~~ UAY YEAR (7F PERSON ADMINISt F.FIING OATIi __-_ SIGNIATURE - PURCtASER SIfNATURE _ . ___ _ __ J W CO-PURCHASER SIGNATURE !n PURCHASER AND/OR ~ CO-PURCHASER MUST HANDPHIN~NAME HE(iE O d SIGNATURE OF SELLER _ SELLER MUST HANDPRIN F NAME HERE • a _ _ , , 1%Ne cerliry, to the host el my/our knowledge that the odonwter rnadittg is LAST FIRST MIDDLE NAME iEruns _ x miles and «!ilerls the actual mlleago of the vehirlo, _ PURCHASEF On FULL ' _- _ __ __ _ " ..-. _ - 'r--" BUSINESS NAME unless one of the folinwiny hoxes is checked: r ~lI Rollncts the amount of mileage Is NOT tlTe actual milaac~e CO-PURCHASER LJ in excess nl its mechanical limits ~ WARNING: Otlomeler discrepancy STREET VWe funher curtily that iho vehicle is free of any uncumbrance and [hat the ownership is hureby ADDRESS Imnsfenud to the person(s) or the dualer listed. _--_ CITY __ _--__-_ SUBSCRIBED AND SWORN - - TO BEFORE ME: srnTE ZIP PURCHASE PRICE OR DIN MO. DAV YEAR _- SIGNATURE OF PERSON ADMINISTERING OAT'H PURCHASER SIGNATURE J _ __ W CO~PURCHASER SIGNATURE ~ PURCHASER AND/OR [[ CO-PURCHASER MUST 0 HANDPRINT NAME HERE Q ~ SIGNATURE OF SELLER F-- SELLER MUST ~ HANDPRINT NAME HERE w*r r L IMle cenity, to the best or my/our knowledge that the odometer reading is LAST FIRST ~ MIDDLE NAME TENTHS _ __ _ __ _ ~ mile5 and reilotls the actual mileage of the Vehicle, - PURCHASER OFl FULL r ~ DUSINESS NAME unless one of the following boxas is chocked: Is NOT the actual mileage Reflects the amount of mileaye CO-PURCHASER ^ in excess of its mechenkai limns - WARNING: Odometer discrepancy STREET IPN6 further certify that the vehicle is free of any encumbrance antl that the ownership is hereby ADDRESS Iransferred to the person(s) or the dealer listed. - -- CITY --- - SUBSCRIBED AND SWORN - TO BEFORE ME: srarE zlp PURCHASE PRICE MO. DAV YEAR -_ OR DIN ~ _-- _ Sk+N:.I UIIE C.r i-EHSOIV AUiti+iv'ISTE:Jiv~i GATIi ~ __ RUROI IASCR Slv`:ATURC J __ Q W CO-PURCHASER SIGNATURE ! ' PURCHASER AND/0R [[ I CO-PURGHASER MUST ~ HANDPRINT-NAI•AE HERE o O "___ _ N ~I SIGNATURE OF SEI LER ~ Q I I _ ___ SEI ~ ER 61UST (n FdNDPn1(J7" P;AtdE HERE T 4~~~r /` cti~~~;r c PSE(~k 07/23/2009 Via Certified and First Class Mail NICHOLAS J BALABAN 91 1 WOODLAND DR LEMOYNE, PA 17043-1211 NOTICE OF REPOSSESSION AND RIGHT TO REDEEM You are hereby notified that your 2003 Cadillac CTS V[N# 1G6DM57NC130112308 has been repossessed by the Pennsylvania State Employees Credit Union ("PSECU"). You have failed to pay the 05/19/2009 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 08/07/2009. Unpaid principal balance $11,069.67 Accrued Interest $127.99 ADDITIONAL COST IF REPOSSESSED MORE THAN 15 DAYS AFTER DEFAULT Repossession Expense $350.00 Storage expense @ $20 per day (7/23/09-8/7/09) $320.00 Late Fees $24.23 Total Cost to Redeem $1 1,891.89 Payment to redeem must be in cash, certified funds or a cashier's check. We will sell the 2003 Cadillac CTS at private sale sometime after 08/07/2009. The money that we get from the sale (after paying our costs) will reduce the amount you owe. If we ge:t 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 awe 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, ext. 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 Advisor pennwl..~-=- .,~..a'State Employees Credit Union '~ ~' Main Address: 1 Credit Union Ploce, Harrisburg, PA 1 7 1 1 0-2990 • 717.234.8484 • 800.237.7328 Mailing Address: PO. Box 67013, Harrisburg, PA 1 71 06-701 3 • 717.777.2100 t~DD) • 300.472.1967 (TDD) psecu.com This credit union is federally insured by the Notional Credit Union Administration. Equol Opportunity Lender c-' ~o C ~> ~, z ~ " ~ ~- ~oo ~ ~ -~ r y rnd~ ~ g m v d CD--' a v~ - `~ Q .-o o z u z , `' sir ~aa: ~ m ~ D y ,~,~ •~ ~ r~ .y.' ~ W Cn F •3 ~ J C) ,•) ~1 e• it 7 Q~ ~a ,..a. ~~~~>, O~ Oy t..a. ~ ~'t ~ 111 t.... ~ .r O i'i ~ i "s t.n ,,::+ ~-'~~- ru ~--.....~,., o cj Q O '-~----_._. ~Y ;.^ Q' ~""" ~ t'J ~ ~ .c ~ ` ~ ~, '~ ,~.,~. a ~ .~_._.~,~ +3t +' ,,a, `_"__._..-_.._-_. £fiQL i t'd `~1~<~OI.1i37 uL76,~~1eJ :a,Z <<ry -------- as a ~~ ~aoo.~~ t I6 ~a~~~1, . t> ~. ~ ._.._~~.- V t 8 t''1 t~8 f S t'"7 OH 71 !~ ~ o a 4 a U U3~ ~~~~ ~~'~` 1, ~ o t~~ ?,~ ~~ I~~IIII~I II~I.IIIII~IIIIII~IIIIII ' ~ 'i I!'aoi r; ~ ~ `J -: nlael' ! UI°~a !1I ~. s [72J! ih~a~i IUiIWBSJOj111_{~ C,i ~ , s, d'--~__.--=- ,~ Ica, .:aa~ u~nanE? ~ ~.-r ~ a Xs. r:y > ~ a6e~s ,~ ~.1 a R7t'4, _ ~,~, _.I Q~ _ _ ~8 ~ .: ~i~iAy~,F~„11 ~ ~jJ ~~KuS 1sT 'W+4vr+a ~~~ -.e w ~ ~a .1~~ L E f ~ Lz x~~ ~ ,'~ -C ~~N~B i~ EXHIBIT D SIGNA'1'CIItE LOAN AC'T'IVATION NOTICE ~rl~~l ~ ~ ~:~r, ~ ~'~r~z~r Applicant Information: Applicant: NICIIOLAS J BALAi3A~~1 Rcf /F: 776012 302 Approval Amount: $5,000.00 Igor Internal Use Only; 4 1 148772055 18 App. Home Telephone: (7l7) 737-7435 App. Work 'Telephone: (717) 691-2611 Refinance: 20 I acknowledge receipt of the PSECU LOANLINER Disclosure and Credit Agreement and agree to be bound by the terms set forth itl said agreement. I l d~ Signal ire of ICHULAS J IiALABAN Date ~ SIGNATURE LOAN OPTIONS .r Plupose: ~ l/1.1 T ~ • Please select one of the following Signature Loan disburserricnt options: Send a ^ check deposit to Iny Share 4 (MoneyHandler/Checking Shares) • Please select one of the following Signature Loan repayment options: ^ Payroll Deduction ^ Homebatlkin ~ g Automatic Transfer tiom PSECU account ^ Self Service Telephone ^ Coupon ^ Direct Payment from another financial institution ~,U ~. ~~ ~- ~U~ , ~~~ Blain Address: I Credit Union Place, Harrisburg, PA 17110-2990, (77.7) 234-8484 Mailing Address: P.O. noz 67013, Harrisburg, PA 17106-7013, (717) 777-2100 (TDD) Savings federally insured up to S 100,000 by the National Credit Union Administration EQ ~3~T Exhibit ~; _~ ' ~enns~d~trania Sta¢e ~'r:~-~.!o~~ees- ~re~+E~ Unson Loan Disclosures _. : al ,. .._ r ~" t I^ r,'I.I ~r. 1, !t ill ran f /,'~~1 !I'S ~.i T. , Fo;,r,lll,r,iJ _. ~t _..~i '~ ,~,~~.~. ,.,, _ Lr: ',n,l D ;,; , , .... ' _ '.> .,:, the Plan. I : I'.c ,_ - -, ar; er:n r:~t i J -in nun...' !., t You your .;^rl borrocmr r::':n ~ ., , the F'I,ul_ Credt union, vie our :r ul us ~ : ~ i'nF C.1 .n;e r ... t :• Crr' t I_fri .n tru•,`ri~, '> -r;i,t. ~rl^: ~ ~_ F'trci HOB"! TFIIS PLAN WORKS --- f' r: ~ ~ .; ~ 1 i ; ,'1 ': a ,r i ;.:; , ~~ j; ::n .', and r,.pate that ll Plil hmc to 'imp;, y:.n :vlll ,. i,r-:irv ri_rc ltry jr,::~1 ,-.I ,1~tv,ul .l.., I u''.:I ;r the Pion. We are riot required to make advances to you under the Plan and can refuse a request for an advance at any tune. Ilie Addr:rdrrl rIc nLr:i; r'~,; di(foratl typea of rrcdit (cullod ";ubna-olrnls") avallnb!e under the Pl:;n_ tiu~ c,irrent interest rate for each subnnroi,nlt exprea.,d as a d<lly periodic, r~:h3 unri corresponding annual perr.eiltnge iute rind othr~r charges. It ncry al5i) huvn r,thor terms and a schedule Lx dctr;rrnining the paynu:nt nnuxnv ., ... ,-, . ~ r- L. a •.; : ;:.i.t :: -, :, , , > ;-. ; ,-,,,, _, ,, ,: VOLUNTARY PAYf:1ENT PROTECTION - i~,ty r'I:;r ~r::•y ?;r,rv.--~t Pa,'r : ,rl to yvu Volur'~, } iy,i ; t P .'ec it n r, ~ d _;;a~/ in r,tYtin , ,:rht If ~,I I,1 JI,1 {.', C j;:S X71', rl, ~ 41 '~ , i(.li ! J ~'.n '.. ~ I 'IC ~U l ~h;f tl, ~: 1. '. ~. iii flirt `7:Ja rice At ~wr utium ... _:111 r.n::nrrr. ,+l,r F;, ,, mia ~~t O, t' e I~rrioJ of 'irtc 1,r:;r,. ; r~ry ,.~ allay the loon h~llin,;e. Ctr rites ;,a_.d C; drV rr,-iinr: II-1 r- fens of :n;:;ruu:e clruycy m:ly r,l',:tnrie ~n fhr h;lru~;. if ;, _r r:rtr, r'ti roc ; .r~ s II hrrvr'n -;ny nutir cs rrquircd by rlppllcribL !aw PERIODIC STATEMENT - On a ;r.rl;,hu haci,; ycui will rucrivc .n s,LUr:ment ~:bowing all tr::nsar;liuns under the Pl:ul rlunly the peilrrl covored by tho sdutement_ Statorncnts and notlcos v~ill he soot to you at Ihr: most repent addiess you huvo CREDIT LIMIT - We rnay, but do not Pow:; fn, rstubfish a credit 11n;it on cr.rtlin gluon uS in writing. Unloss applicnblr~ Itiw re,priie; nohre to each lolnt borrowor, subaccounts. I(a ried't limit is set roc n subaccount, you promise riot to exerted the ~iotice to any orie of you will be notir,C to :dl established credit limit. If you r rr rod the credit limit, you prominc; hr repay ~ JOINT ACCOUNTS -- II this is a joint account each of you is individually and jointly j immediately the amount which exr.eerls the, r,lnrlit limit ~~ responsiMn for paying all amount; owed. phut nuruia we. can unforre our rigfds I REPAYMENT -You promise to repay all amounts you owe under the Plan plus ! under Iho Plan against any one; of you individually or ar-Jainst all of you together. If you interest. Payments are clue on the lull d..,y of the: month unless we sot a ditfnrenl d,iy I give us inconsistent instructions, we can refuse: to follow your instructions. l.)nless our at the tune of an advance. II tho Addendum has no payrnont schedule fora written policy requires all of you to sign for an advance, each of you authorizes the subar.count your payrnont well be determined et the tune of each advance. Payments other(s) to obtain advances individually and agrr:es to repay advances made to the must include any amount past due and troy amount by which you have exceeded any other(s). Any joint accountholder may terminate thn Plan by giving us prior written credit limit you have been given for a subaccount. You rnay repay all or part of what j 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. Even if you prepay, you will still remain liable individually ~rnd jointly for all advances inrurrc;d be(nre termination. bo required to make the regularly schedulod payments unless we agroe in writing to FEES AND CHARGES - If you give ras a security interest in certain types of a change in the payment schedule. !f you have a join) sharedraft account, you will he ro ert we trio chart u ou a filin fee to erfeet our interest in the ro ert If we P p 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 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 fens in connection with the Plan. Our current fees are amounts owed under the Plan, in the manner the Credit Union rhoosc,s, disclosed on the Addendum and will be adrJed to your loan balance unless you pay PLAN ACCESS -You can obtain credit advances in any manner authorized by us. If them in rash. we allow you to use your A'F'M/Debit card to access the Plan, you may be liable for tho UPDATING CREDIT INFORMATION -You promise tftat you will promptly give us unauthorized use of your ATM/Debit card. You will not be liable for unauthorized use .,, ,,,,,, t . +:, .+ ,.,- -.r:.:~ ,.::: ;:. ~:e.::;: ___,,...,- :, ....:.,_ ..< ...,, :...... a,„r. ,.:r..:, ~ ' ,., ,, ., ' f yoc anye yol ,mployrn ,toy o written notice i r move ch' ~r name or c' ent or if ~ ther ,,: ,;, r uu""'" """' ''"" ' ' "' -=: unauthorized use. If you believe your ATM/De . ~1 `~~ _... bit card has been lost or stolen, ' =`~ - information you provirJed to us changes. Upon our request, you also agree iu immediately inform tlae Credit Union by calling or writing us at the telephone number or Provide us updated financial information address that appears elsewhere in the Flan. If the card is used to obtain unauthorized DEFAULT -The /ollowing paragraph applies to borrowers in Idaho, Kansas, advances directly Irorn the Plan, your liability will not exceed $50. If the unauthorized Maine and South Carolina: 'You will he in default if you do not make a payrnont of withdrawal is from a sharedraft account, your liability is governed by the Regulation F the amount required when it is due Yuu will also be in default if we believe the disclosures you received al the time you received your ATM/Debit card, even if the prospect of payment, performance, or malization 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 !ollowing 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 (or 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 sure of these amounts is the finance charge owed. The balance The (ollowing 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. Ii 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 a!I other states: You will be in SECURITY-You pledge as security for the Plan all shares and dividends and, if 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 if you die, file for bankruptcy, become insolvent, if you Otherwise, your pledged shares may be withdrawn unless you are in default In I 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 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 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 Plan if you are in default outstanding financial obligation that is due and payable to us. We may exercise our ' under any other loan agreemernt with us. You will be in default ii 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 /ollowing paragraph applies to borrowers in ~ given as security. Colorado, District of Columbia, Iowa, Kansas, Maine, Massachusetts, Missouri, 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 ' subaccount identifies a type of property (such as "New Cars") you must give that i ~ expiration of any right you have under applicable state law to cure your default, we can demand immediate payment cf the entire unpaid balance under the Plan without I type of property as security when you get an advance under that subaccount. A " " giving you advance notice. means you must provide security Other Secured subaccount name such as 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 detauu we can require immedlat2 payment C GUg4 r.lU UA. u7GUP. i92). 't:'; '. 9c rd. I H-> FEaE?"CG fi~~r ,.~ ~~ _ _. _ CP3r,1C1 _ PSFCU F.OHr.4 a31»o .iaY.xG501-? C37~2G9?~i 3D81 LO_ANLIfJER` Crcdi{ anti Secur,'ty Cre:!it /1grPemen! ,.r+trnued! _ r=~ ~,aCCeCiatlG I bf 'h.^, r d .. ,,-,-,p~iiJ b.f. _. 1(r a ..,' f •r, a an. 'Fart -... ~-: e ;..n~ `r~-1 , _... tOderian7fr I,ayTe,l ~~;tce;f ~t~rt!o i..c~Lr~,to in-l~r-!~:,~,f,;,~,nl,.a'~a, The following paragraphs appiy to borrowers in all states except Wisconsin and Louisiana: I} ~.....~; cr t. I:a.;r~ ,;,': •,.i ~ .w ..: n', u; ~:- ... ., :..:• ,t .e ,~arudt iate:ns,~ ~~10~, t-, .,J,te~xl.~~-t. If =r 1. <tn~. ~ ,~ rt~rrcr .t. ~:., r~,:n. h is Lr:er m::d^. yrn,r sly- res trr I ~ .:Ich.~ t; ; <rn i ,, nhl•' ::-1 I .~.r-.:.. ra d~,~i .... ufr s liven h L.,r ~:~ .,~ ~,r~" =: , ~ ~ .frn,'t `!~~u arr•e tn,~ (;iu~~Li il~~,nn nrr ~~ ri,~'~,t t ~''itin : _•`;r:~•iu i of any r'i {~a;tV ~-~:un Fr rt,r ty urUr~r t'~ F fn :, oft ;ucl i u I n;;;r 5, 1 r.i~ c'm h;, I '.nr'i_,u. h=E'aCh n} the Fi`Etie f ,.. fl'.< ~-,.I prrl Ucr. f i ~'r I n.~i th,? pit tir.Yy of ,i i ne and place wi; choc~;e. It Ihu prope~ry i., a ~n~; ur doh~r..la ,~ heat, ~cu ~~,grta that ::'e ~„~~ rhtain a kay or vtttor device :rece~:,sary to unlock anti operate it w~s:n you arc: ~n default, We will nut be responsible G,r tray otttrr prnpr:rty, not rovernr,l by t'ns Agreement, that you leave inside the property or that is attachr;rl to the Lnoperly. Wr; will try ro return that propeity to you or make a available, for you to claim. After we have possession of the property, we can sell ~t and apply the rnontry tv Wiry amounts you ewe us. We will give yai nnrice of any public dispvsition yr tl ie date after which a private dispvsition will be held. Our expenses for taking possession of and selling the prvperty will be deducted horn the money receiva:d from the sale. Those costs may include the a,st of storing the property, preparing it for sale and afturney's fees to the r~xtont permitted under shale law or awarded under the Bankruptcy Code. I You must pay any amount that remains unpaid alter the sale money has been applied to any unpaid balance under the Plan. You agree to pay interest on that amount at the same. rate as the advance, or„ if applicable, at the default rate disclosed nn the ~ Addendum, until that amount has been paid. The f611owing 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 it defaut, we may require immediate payment of your outstanding loan balance under the Plan and seek possession of property given as security. You may vnluniarily give the ~ property to us if you choose, or we may seek to take possession of the prvperty 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 prvperty.. j If the property is a motor vehicle, mobile home, trailer, snowmobile, boat or aircraft, you ', will also be required to pay any rusts permitted by Section 422.413 of the Wisconsin ' Statutes. You must pay any amount that remains unpaid after the sale money has been ~' applied to what you owe under the Plan. You agree to pay interest on any unpaid amount at the same raft. as the advance, or, if applicable, at the default rate disclosed n the 4ririnnrium nnfil thnl ~mnunt i~ void 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 riyhtyou 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 yvu 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 i deposits given as security for the Plan can be applied towards what you owe. We can also exercise any other rights given. by Jaw 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 i 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 suture advances. i The fogowing 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 Wisr;vnsin 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 ~ contiriues whether you or the credit union cancel the Plan, except to the extent that i your liability is limited by Section 422.415.5 of U1e 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 wdl apply to existing balances onry 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 [o existing balances. The /ollowing 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 and at our discretion and subject to any requirements of applicable law, will also ; apply to unpaid balances. Tfre. following paragraph applies to all but Wisconsin borrowers: An incr the daily periodic rate under a variable interesT rate is not considered a ch !i~i _ _. ., t. r~~,.,. -n ;.;t~ ,.'.t r.; t : ~ Ci i ~~:. ~r r. ..-, t -` ir:2 F . , , w' ll,~,^ :u { ~ .:'q ~ i I .., ., , i _,~ r n. L sir, , .. ~, I'~tr~r r, _"1'I'~.ii. . I",;ir DELAY IN EP:FORCItJG RIGHTS APiD CHAfJGES ItJ THE PLAtJ -'.';i c;i- 7,:, {~'1' t .'..i ins t .. n- -~ ~ t '.r 'P .. , ;, I .~ i:Ui'. i ':pct ~r~.. CONTINUED FFFECTIVENESS r:; I ~ ..- i'~:' '~.ir~ried t;c ; r. ~~rt to t~ ~ unior(~ .. ies' ~:.I i _ Are ir~ r: u,a NOTICE TU U fAH BURROWERS i; ~i :, ; ~ [ ~ eel , ~~' u~.e aq r.an•,ent I ,~t :-r.~:'r y'~ii ~nrl ;. (,r.;d I ll ',n. '. is ,r ~r:n ,,ir_.r,n~ent r ~n/ tct ~r rn ~~ cf~_ari ~•y r~~.'iri'.nrt, of =,n~~ „rtl ,,rl r ~ t•~rmt 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 usa year ,u:coruit for rvnsumor (peisonnl, family yr household) purposes, unless the credd ;uiion gives you written perrmission to use the account also for ^ytir,ultural orcornrnerctul 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 faxecute a separate security agreement. Borrowers in other states may also be asked to execute a separate security agreement. THE SECURITY FOR THE? PLAN -You yi~ro us what is known as a security interest in all property described m any receipt, voucher or other document you receive for an advance ('the Advance"). The security interest you give includes all accessions. Accessions are things whir.h are attached to or installed in the property now or in the future. The security_ interest also includes any replarernents for the property which you buy within 10 days n( the Advance or any extensions, ienewals or refinancing of the Advance. It also includes any money you receive from selling the property or from insurance you have on the property. If the value of the property declines, you promise b give us more prvperty as security if asked to do so, WHATT'HE. SECURITY INTIEREST COVERS/CROSS COLLATERAL PROVISIONS -The security interest secures IliuAdvance described in (he receipt, voucher or any ether dorumrnl you receive at the tim© of the Advance and 'any extensions, renewals nr rr~finanrinas of the Advance. It also secures anv other advances you have now or receive in the future under the Plan and any other amounts or loans, including any credit card loan, you owe us for any reason now or in the future, except any loan secured by your principal residence. If the property is household goods as defined by the 1=ederal 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 yvu give as security or if the Ae'wance a to buy the prvperty, 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 net, to sell yr lease the prvperty or to use it as security for a loan with another creditor until the Advance is rr:paid. 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 prvperty that you give as security under the Plan. You may purchase the property insurance from anyone you choose who is acceptable to the Credit Union, The amount and coverage of the property insurance must be acceptable to us. You may provide the property insurance through a policy you already have, or through a policy you get and pay for. You promise tc make the insurance policy payable to us and to deliver the policy or proof of coverage to us if asked to do so. Ii you cancel your insurance; and get 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 what yvu owe. You authorize us to endorse any draft or check which may be payable to you in order for us to collect any refund or benefits due under your insurance policy You also promise to pay all taxes and fees (like ' registration fees) due on the property. if you do not pay the taxes or fees on the property when due or keep it insured, we may pay these obligations but we are not required to do so. Any money we spend for taxes, I tees or insurance will be adda:d 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 rnsurance company's payments to us and (2j the cost of determining compliance with the insurance requirements. It we add amounts for taxes, lees or insurance to the unpaid balance of an advance, we may increase your paymen(s 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, urance we may purchase and charge you for will cover only our interest in the ' ty. The premium for this insurance may be higher because the insurance , ease in ', the ins ange in I proper ...:.+.:ru>`c ,_„_ LUANUlVtR' c,redii and Securvty Creurf Ai/reemc.rt i~~rrt;;,z,ed ,;or k ~r~y m~ c ~ u5 r;.y, t 'o p,.r,:h r~ a n;t, r u <.~, a ii su'o~ ,., c ai Is r ur a ~u: The insurance will not be liability insurance and will not satisfy any state Financial responsibility or no fault laws. PROTECTING l'HE SECURITY IWTEREST - , ,..~. E t%~ to fi'e is r,: l.,r,1 i r,~~rr~~ d.,rrat+o pr4,.. o-r scru~,i.y Ir i-. . ~. tr:xr. ,c ~a rn, ~.f .._., 'r ~_ i -. ....h'; -~. u'.I-~~ .., u~ _ r,_~c..te a-, 1. -~!u:~`! i ;:'. p r'-~ '.,: t 1 ~d ~ .:, ~ ~ r;~r t , { -.i~ 1 C t Diu r: r a nr i - cit:r I r.:~ r. _- puraud tO tlt~ J dC i ., ~~r ~,~ i i.t 1,~,C l~C,,.:} ~~ ~ru~ ,a t ~, C y ,, i_ (~_i ti~:~, n~~mic,~ ;r, ran ra h.;l';~-i --;e v:r, t --nk ~ ~ rr._aa rV '7 proier;t nUr si:r;ur f ntr,~~~a st ir, t~~e prcpu•itt'~ou luornsc~ io pt nl c ,st_, i ~turiin~ bet iio' timit~]~t 'r nny ai;tom~ V f~cs s;e inr it in prrdr ~r. l oin 'r:urity in['.rr'st : nd :i:;bts `I th^ prtgcr'y. to r~.e extent perm~eeu by npp'ir,abl-: ,:,;~ USE OF PROPERTY - Ilntii !hc ~Jvance hrc~ bean paid nit, ynu pmnne yrni v.~al~ (11 Use tf'~e property caic~a;aly ana keep Il ni gr~od icpo~r t2) Obtain nur evnllen perrnise~on before mtiking motor d~anges to the t,roperty or chrrnginy the adcticss v,here the property is kept. 13) Inform us in carding before chanilnxJ your address. (4) Allow us to inspect the property (5) Promptly notify us d thepmperty is dama~.g:d, stolen or abused !6) Not usr, the property for any unlawful purpose (7) Not lu retitle property ir. another ;fate without telling us. NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE - THE MOTOR VEi11CLE IN THIS TRANSACTION MAY BE SUBJECT TO REPOSSESSION. IF I1- IS REPOSSESSED AND SOLD TO SOMEONE ELSE, This notice contains important information about your rights and our responsibilities underthe Fair Credit Billing Act You are advised to read yaiu mpnlfily 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 staternrnt, 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 nn 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 cJiscrr;pancy on your account. Write to us as soon as possible. You ran telephone us, but doing so will not ~~hic In your letter, give us the following information: ' Your name and account nurnher. ' The dollar amount of the suspected error. ' Describe the error and explain, if you can, why you br;lieve there is an error. If you need more information. describe the item you are not sure about If you have authorized us to pay a credit card account automatically ircim your share 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 scneduled to occur YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE - We must acknowledge yqur 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 Creditaccount with us. We, us, and ours means this Credit Union. 1. RESPONSIBILITY - If we issue you a card, you agree to repay all debts and the Finance Charge arising from the use of the card and the card account. For example, you are responsible for charges made by yourself, your spouse and minor children. You are also responsible for charges made by anyone else to whom you give the card, and this responsibility continues until the Card is recovered. You cannot disclaim responsibility by notifying us, but we will close the account for new transactions if ynu 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 anal 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 ire 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 AN-. ~ L ,~t_'r ~ipiTc n._F ?n ~C1E `.F(;_ ~F_7 f~:;F?~i'r ~RF tJ(iT R[CEIVED IN TH ;T SALE. ~OIJ C1AY ~'A'1E TO F ,{ THi= UFFE =E t1CF NOTICE FOR ARIZONA O'~VNERS OF PROPERTY - '-' s rr ..• ., !2' - :~ 4u ro ~e•,•m a r. i ,^l~iclN C, .~, , _ „ -e : ~. ,:i r i' Lrr. ;r ::r -,. i - _ - is ,~ r ..i ,_ ..., _ r.'n:i =. Tl~~e 'i.~• ~iur. !i ty fit ,~u ~..., ,~~ i, ...,a,, i ~ ;h,~ .e , . .. - ;.r ,; i1S0~ .id ~r,r d ( ne or X1:.0 u00 For those members who purchase a vehicle under the DRIVe Program, please review the following FTC Notice: NOTICE ANY HOLDER OF'fNIS CONSUMER CREDIT CONTRACT IS SUBJECT TO A,LL CLAIMS AND DEFENSES WHICH THE DEBTOR COIJLD AS-BERT 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. ri '.'kj~`'~A,.' ~a_?' ~a'"1"k'2 :a s t - ~ , w n r .tyjw~"py ," ~° ,Tt ..~«.%vF'r'*'S~,a,~iN~€•::a'tL+,.M:~1..;:~ :':s~. ,.~....ur,-~, «~,,.n.:.~...u_a.k+'.udra~~.~.,.~.a~r~..,laM:~h After we receive your letter, vre 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 unpakf amount against your credit limit. You do not have to pay any questioned amount while we are investigating, ~ but you arc still obligated to pay the parts of your statement that are not in question. ~ If we find that we made a mistake on your statement, you will not have to pay any finance charge, 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 surd you write to us within ten days tellina_ us that you still refuse to pay, we must trll anyone we report you to that you have a question about your statement. And, we must trot you the Warne of anyone I we reported you to. We must tell anyone we report you to that the matter has been i settled bc;tween us when it finally is. i ~ If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your statement was correct I SPECIAL RULE FOR CREDIT CARD PURCHASES - If ynu have a problem with i the quality of property or sf~rvices that you purchased with a credit card, and you have teed 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 ~ lirriltations on this right: (a) Y'ou must have made the purchase in your home stale or, if not within your home state, wittiin 100 miles of your current mailing address; and (b) The purchase price must have been more than $50. j These limitations do not apply it 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 axount 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 ybur obligation to pay the account balance. 5. CREDIT INFORMATION -You authorize us to investigate your credit standing when opening, renewing or reviewing your account, andyou authorize us to disclose information regarding your account to credit bureaus and other creditors who inquire of us about your credit standing. 6. MONTHLY PAYMENT - We will mail you a statement every month showing your Previous Balances of purchases and cash advances, the current transactions on your account, the remaining credit available under your Credit Line, the New Balances of purchases and cash advances. the Total New Balance.. the Finance Charge due to date, and any other billed fees. and the Minimum Payment required. Every month you must pay at least the Minimum Payrnen: within 25 days of your statemern closing date. By separate -- Visa' Credit Card Agreement and Truth M Lendrnq Disclosure (continued) a:a~e~t t~.•~' ,,~u in.,y .+ r .r ac ! s ...h,.rge t~ ., „~,~r~,r i ~ ,r; rn, r t n_.:-~~m; t;_,~~i/ sh err,, +ki,i~~~.. crt~•.t r `~,na f nr I yir r 7 ~ f, l rr ~' thn. ~t e rdn m , + any r r r,~ ha i Total fJr t3~Jz n f .II J ~ : . ~ ~ -L.~ ,. ~. i i' _ .. „_......:.~ ir. ., .~.t ~ poi' I ~ .._ ..' i , .. ~<ii.; The minirnurt pay712nt .rll be ins ~ , of ,our Tr,,al ~,~.. C?..I~.n..e _,, ,:.,.~ p to I,r; next ever do {r c r tr ~ ~ + 7 u I r, : r ~ +tr;~ I 3rllrior + rig t + r T:.`.I NetvD~ir~G__.z.c_(;~. Lc;:,ILin-.you i,: r+'~ [cly~1 ~'u-.:x:.C.,J,~:n ,~~~ rJernand ;Ne ~.vul apply h:~~'n6't,> in t}~e `r~'~u:~n'y •r ,, r .i `'sr to Ir 9: , ., i i,c (r:cr: then to prevous cash advances to-u~ce cn u,lr:. tl-ion 4r previi;,ls p.,«; ,i:, 6n;:n~" chargF.S 'hen IU Cil" nt I i'e t0f' II Rn r0 prnwau, lSh +r va"Ce hat +~ r rt'r. ~ :: hievia~s pra•rhase b.d a -c; in ttu o-der that t~cy ; ~:rte fr,,.nd 'o yn,n rt ~,.;-rt. !I,rin ti+ cuircnt cash ad~ran.c a rl,r ce,; ,ui.t rh^r 'o C.r•unt punaia; bFd.uu~c; 7. FINANCE CHARGES -You can ;void rt,o F;nance Char_ie on parr.hasns by paying the full amount of the Noa~ Br,lancc of Purr.hn_c; cacti rnontli a ith'n 2`i 6r.ys of your statemont closu+y date. Olher~^rise, the New f3nlcuu,e of Purchases ,rut tree subsequent pu« :bases from the date thr:y are I~u+sted to your account, will be suhjc~ct to Finance C"arge Cash advances are always r;uhject to Fin~+nrr, Churpr frnni I'~~n date they are posted to your account Purchases: We calculate your finance charge by multiplying the avenule ndjusterl daily balance (see explanation below), InrlurJing new purchases, for the billing cycle. i by the monthly periodic purchase rata and corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum. ~ Cash Advances: We ralcuhte your fnance charge on rash advances by multiplying the average adusted daily balance (see explanation below) for cash advances during thr, billing cycle by the monthly periodic advance rate and I con'esponding ANNUAL PERCENTAGE RATE as disclosed on the Acklendurn. Balance Computation Method ' Average Daily Balance for Pirrrhases -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 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. 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 the amount of any unpaid Finance Che+rges or Late Charges. Then we also subtract the amount of any Cash Advance transactions that posted to your account on that day or I in any previous day in the billing cycle. This gives us the Daily Balance for purchases. Average Daily Balance for Cash Advances -Cash Advance Transactions which are posted to your account are not included in the Average Daily Balance calculation for purchases, and are therefore not subject to the monthly periodic rate for purchases. The Average Daily Balance is calculated separately for Cash Advances and is subject to the Cash Advance Monthly Periodic Rate. The Average Oaily Balance for Cash Transactions is calculated by adding the Daily Balances (Cash Transaction) for each day in the billing cycle, and then dividing by the number of days in the billing cycle. To calculate the Daily Balance for cash each day, we take the following steps: We take the outstanding balance (all amounts you owe) at the start of the day. Then, in the sequence in which amounts are posted to your account, we add the amounts of all debits and subtract the amounts ' of all credits or payments which post to your account that day. After applying payments 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 subjectto j finance charges and from the day they are posted to your account. ~ Payments are applied in the following manner: first to previous late tees, then to previous cash advances finance charges, then to previous purchase finance I charges, then to current late fees, then to previous cash advance balances, then to previous purchase balances in the order that (hey 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 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 it 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 it you default, subject to our giving you any notice required by law. To the extent perrniHed by law, you will also be requiredlo 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 r>,;h a;.ancc c.r,+`' :. ~ie~.'.:d to I'r~rin'ed •.~ th ~; :u' c.r~~1 Tlie caber ~,: ro crrnplete -- r:- 'rim r ~~ n_Ji +^_ ,_ , r _ ^, .. r.' I . r,~mJ .n .,,__ I 17;~IIc :1,r„~'~ir.. ~ ct _.~ t.l.r ::'c ~.~ ~n c to i ~~ :I !hart. 'o i ..-, _..,.. , ~ . Yu,. : 1~. h:+t . ' nr,? nun ca ~u `or any, Irrr.,,c >„ !~,, ~h:~t~i ,{ -:!.In .1~, ~,I <~ ~ ,..1 I,r:. TI ~ n-n-thly , , t i-lc. ~ rat- ' 5 i ...,,i; n 'r-, :.' t;, e I~ 'I-,~; i i ~r , ~.~., :,~ :-rr:;~-t. flee C`rn~t ..n ..~t i i,+y 10. OVERDRAFT OPTIOt.I - I` :, i ._.~.;+:: , , :='ir:r ft . ~ d~'~-~r P CCU V i r r4,t %a'!:. th:+! ok.~, in [ ~,., ,ub ~~c! t i,-; n>~i I i ~I ;i~:Ji! I:,r.,l ar•.~~ ",e ~~~cr~n,. l it ie,7i t..r"'~.[9 nIP) I"iU cWron; Isar lei viii:V ~ ., - :~!~.~. ,i , ~ , ~.'J nti. r;,, . ..,. and :,tru rd th it In r~'r, d +a ~.:iU I ~ n5irr rr. 1 'l s,r r ] a C lti ~ x`:anr r r n yr~ ~r C'SE G+J Ve;;i r, r,rpt C;~ 1 ,uvl rlr~t rf ~~ ray ~: t v~nn r.d t ~ ire; +, -nla rrit.. rn r., cri n:1~.~;~nccs ~:roll rpp'y. 11. RETURNS AND ADJUSTMENTS - t.i ~~ 'ru~C, -.nr~ ~,rhC~ sr'io h~unnr thu cuu rna'y ;Jive credit foi returns rind ~uJjusrrnontr <+^-~: a,;;y ecll rkr ;~r by scnd,ng us a crndJ slip which we will po:;t to your Visa line of c.rodit. If your cedil and paynu;nts exceed what gnu owe us, ~ae wlll auronnrically post +ha exr.ess rrC.dit balance ro your S1 Shares wlth~n 15 drays. II thn balance is cne dollar or morn, upon your wrdten request, we will reh.uid the crndit balance to you. 12. FOREIGN TRANSACTIONS - Fhe exchango rate between the transaction currency and the billlny r.ur~ency used for procc;ssinq Inteintitlonal transactions is a rate selected by Vie,a from the range of rates available in wholesale currency rriarkets for the applico-~hle central processing date, which rate may vary from the rate Visa dself raceives, or a government-niandaterJ rare in affect for the applicable central processing date. In earla instanne, an adjustment may be assessed based on the ISA fee imposed tr/ Visa. This tee generally totals 1"a of the transaction i amount. In all casca, we ~roill assess 1 yo on all transaction amounts where the merchant country diffrrs 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 filth to correct rho problem with the merchant or ~ the charges are the result of unauthorized or fraudulent use, or your purchase cost I more than $5U and was made Irom a plan naerrhant in your stale within 100 miles ' of your home, conY<ict PSF_CU. 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 i, 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 ,~.,~~il~ ..i ~,,..~[r .I~~nurn In rr,cnc of fraiid~dFnt r.;rrd irse. PSECU will also require a notarized affidavit. In some cases we may ask you to notify the local authorities. i i If we do not receive the proper requested documentation in the time specified you may be held responsible for the transaction(s) in question. PSECU must adhere to strict dispute tirneframes set forth by Visa. 14. SECURITY INTEREST` - To secure your account, you grant us a purchase I money security interest under the Uniform Comrnerrial Code in any goods you purchase through the account If you default, we will have the right to recover any of ~ these goods which we have r.ot been paid fur through our application of your ~ payments in the manner described in the Monthly Payment section. With respect to Ihls account only, we will not assert any statutory right we may have ii you are in default (o prevent withdrawal of your unpledyed credit union shares (Dr:posits) below the unpaid balance of your account. However, i( you give or have given us a specific pledge of your credit union shares (Deposits) by signing the Pledge of j Shares or otherwise, or any other security interests for alt your debts, your account j 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 other slips you sign or receive may contain different terms We may amend the Agreement from time to limn., 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 I 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 - `feu may incur an additional charge for transaction I summary/sale draft documentation. 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. 22. NEURAL NETWORK -- PSECU uses neural network systems to predict and prevent unauthorized transactions. 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L ) -~ °n ~ ,i c~ U N y t) N c W~~ a <. ~~ n ll a N ~ O) ~ E J ( r) iu ) _ _ r r. ~~~ c V10WU VOA NODWNW~ If)~O~nPN O~NL~NI~ N~OMn0~0 w WW~O ~O LTV 7MNN•--- OPO~OO I~f~ 1~~0 ~0 ~)IL)~1~ '7MMNN~ ~ -~ V V' V ~t V V' V V V V V ~7MMMMM MMMMMM MMMMMM 000000 000000 000000 000000 000000 ~I OWN MVL~~O IOW O~O~NMV In ~O~W0~0 w ~NM 1'~~O haD0000 000000 O~^~~~ ~ ~~^~ ~ O~UUO•UO~ O~UO~~~~ •- ~M~OMNO ~00~~-nN u')M VM~AM MM(~~ONU O~VhOOM w Pao~(~7M ~OO~W~O IA V~M N~00~ Wh~O LO'VM MN~-OO~U ~ ~r\r\~r\~ ~r`~o~o~o~o ~o~o~o~o~o~n InLnl~lnlnln Inv)Lnlnvv 000000 000000 000000 000000 000000 ~NM VIn ~O nWO~O~N MV NCO IOW O~O~NM V' V)~Oh W0~0 W `O `O `O ~O ~O ~O `O ~O `O hl~l~ I~.I~i~l~t~t~ nWWWWW WWWWWU F.. ~PO~MWI~ NOOVMO NIn O~V SOW NL~~O t~VO UW Wf~Wa w ~~n 700 NO~DMOW In NO•t~(AN OD ~O V'M~ WI~L~MNO ~ ~A 1t)VV VM MMNNN•- ~-0000 00~0.O~PO~ O7WOOW W(i0 NNNNNN NNNNNN NNNNNN N~~~~~ ~-'-r-~-•-•- 000000 000000 000000 000000 000000 ~ ~-NM VLY>~O hWUO~N MVIA ~O IOW OHO •-NM T I/1 ~OnW PO ~ MMMMMM MMM V O V V V V V V V vu7NU71~V) to ln~V)In ~O 000 N1~~0 NOV~nV O~ 7 VMWW ~O N^-MMO N~UMO T w OOOO~NU I~nOWO~ ~ONWVVV Vc1~W--~ c0.-N~I~~ OOOM~ON MOWNRN OU NCO IAV MN--OOU WWt\t~~O ~O 0001!)(n if). tAN V V V V VM MMMM NNNNNN NNNNNN 000000 000000 000000 000000 000000 - ~ O--N MSS IIi ~CnW UO~NMC (non W0~0 IL .--- N M V v7 ~O ~ W P ~ ~~~ ~~~-~-~-•- ~-NNNNN NNNNNN ~~~~'~ EXHIBIT F PSE(~k 10/14/2009 ~~~. ~~_~s~~~ NICI~IOI,AS J BALABAN 9l I WOODLAND DR, LEMOYNI;, PA 17043-1211 Dear NICHOLAS J ]3ALABAN: PSIiCU has made numerous attempts to contact you and to negotiate suitable payment arrangements. We received no response. Your Signature Loan is 5 months past due! This is your final notice. Unless we receive t1Le payment amount of $500.00 by October 29, 2009, we may refer your account to our Legal Review Committee. If this occurs, a judgment may he entered and executed against you. All coati costs and fees will be added to your loan balance. If we do not take legal action and payments are not received, we will charge off your account. You will still be responsible for the balance. In either.case, your status will be reported to all national credit bureaus. 'I'bis is ~ serious situation that requires your immediate attention. If you camLOt make the full payment, we are willing to negotiate a reasonable payment schedule that fits yviir ncc"ifs. Cali lire today ttS see if i've %ari reSO%ve tliiS ~iruatiori. I can be reached at 234-8484 in Harrisburg or call our toll-free cumber, (800) 237-7328. At the menu prompt, enter 6 then extension 3123. We are open from 8 a.m. to 8 p.m. Mortday through Thursday, 8 a.m. to 5 p.m. on Friday and 10 a.m. to 6 p.m. on Saturday. Sincerely, Chery elly Account Advisor Pennsylvania State Employees Credit Unlon Main Address: 1 Cradit Union Place, Harrisburg, PA 17110-2990 • 717.234.8484 • 800.237.7328 Mailing Address: P.O. Box 67013, Harrisburg, PA 1710Er-7013 • 717.777.2100 (fDD) • 800.472.1967 (TDDJ psecu.com Th{s credit union is.federpliy insured by the National Credit Union Adminisholion. Equal Oppartuniry Lender ~ANNEQ PSEL~k NIC1lUI,AS J BALABAN 911 WOODLAND DR, I.EMOYNB, PA 17043-1211 Dear NICHOLAS J BAI.,ABAN: ~~~~~J ~l~~~c~s~~3 Oa l2/2l/2009 your Charged Off Signature Loan was charged off for $4,71(.86. You are still responsible for renayment of this entire debt. l3eca«se inlerect.ct«pped accruing, t/tis «lloivs r[s to «ccept p«ynrelit «rrangenre~rts shit«hle to your prc~seni firancia/ siluatiort. As your Account Advisor I will assist you with questions and concerns. I will work with you to help you get back on track with us. This will give you the opportunity to become eligible for our member services. Please call meat 234-8434 in Harrisbure or call our tolt -free numbe_r_f8001237-7328 At the menu w'ompt press 6 then ext. 3119. Sincerely, Linda Carter Account Advisor enc. Pennsylvania State lrmplayaes 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 National Credi! Upton Administraflon. Equa~ Opportunity Lender 01,05,2010 PSEC~ N[CE[OLAS J BALABAN 911 WOODLAND DR, LI;tti10YNE, PA 17043-1211 b12~~~~03 Dear NICEIOLAS J BALABAN: Your X10.00 Charged OFF Signature T.oan payment for 1<ebruary was not received. IFyou already mailed your payment, you may disregard this letter. Otherwise, please send it today in the enclosed envelope. 1f ynu cannot send the payment, please call meat 23a-$4$4 in Harrisburg or call our toll- free number ($00) 237-73Z$. At the menu prompt, press G,, then ext 3119. Sincerely, Linda Carter Account Advisor (1 D ~J 02/09/2010 Pennsylvania State Employees Credit Upton 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 • 717.777.2) 00 (TDD} • 800.472.1967 (TDD} psecu.com Th.'s credit union is federally insured by the National Credit Union Administration. Equol Oppodunlty lender SCANNEQ PsEC~ NICFIOLAS J I3ALABAN 9l l WOODLAND DR, LGMOYNI;, PA I7043-1211 Dear NICIIOLAS J BALABAN: C~Op~I 02/19/2010 Previously, you were sent a letter telling you that we did not receive your $10.00 payment nn your Charged Off Signature-Loan. It is important that you mail your past due payments in the enclosed envelope or call me to da a check by lip one• If there is a situation keeping you from doing sa, please call me at 2348484 in Harrisburg or call our toll-free uurnber (800)-237-7328. At the menu prompt, press 6, then ext. 3119. Sincerely, Linda Carter Account Advisor Pennsylvania State iemployees Credit Union Main Address: 1 Credit Union Place, Harrisburg, PA i 7110-2990 • 717.234.8484 • 800.237.7328 Mailing Address: P.O. Box 67013, Harrisburg, PA 17106-7013 • 717.777.2100 (fDD) • 800.472.1967 (TDD) psecu.eom This credit uniaa is fedorol'•y insured by he Noliunul Credit Union Admiafstrction. Equal Opporiun~ty Lender NNED PSEC NICI IOLAS J BALABAN 9l 1 WOODLAND DR, LLMOYNE, PA 17043-1211 Dear NICFIOLAS J I3ALABAN: V'~~ ~~~f 02,21,2010 ~ ~ 1, 0 ~~~~~ .d We have made several attempts to contact you. You made an agreement to pay $10.00 month on your Charged Off Signahue Loan and to call me if a problem occurs. Your acrnunt is now 2 aavments Unst due. This is a serious matter that needs your attention now I'leaso take the time today and mail your payments, with the payment card, in the enclosed envelope. Ifyou have any questions, please call me at 234-8484 in Harrisburg or call our toll-free number (800)-237-7328. At thu menu prompt, press 6, then ext. 3119. Sincerely, Linda Carter Acco>tnt Advisor Pennsylvania State t:mployees Credit Union Main Address: 1 Credit Unlon Place, Harrisbury, PA 17110-2990 • 717.234.8484 • 800.237.7328 Mailing Address: P.O. Box 67013, Harrisburg, PA 17106-7013 • 717.777.2100 (IDD) • 800.472.1967 (TDD) psecu.eam This credit union is fedorally insured by tha Notional Credit Union Administration. Equal Opport~niy Lender ED PSEC~ ~o 0 p 03/03/2010 D ~~,`~ ~~5'L~~ 3 NICI-iOLAS J BALABAN 9 t t WOODLr1ND DR, LEMOYNF;, PA 17043-1211 Dear NICHOLAS J BALABAN: We have tried several times to contact you concerning your Charged Off Signature Loan #L21. This account still has an outstanding balance of $4,711.86. (plus any collection fees) We have continually expressed our willingness to work with you. When your balance is paid hi full, we ~vill report it to the credit reporting agencies as a paid charge off. Atid, you will be eligible to apply for our member services. Sluould you continue to ignore your obligation to pay this debt, I will have no alternative but to submit your account for Manager Review. This may result in your account being sent to a collection agency or legal action taken. Should any of these options be necessary, yon will be responsible for all cost and fees incurred. i'lease call me at 231-848x1 in Harrisburg or call our toll-free number (800}:?37-7328.. At the menu prompt, press 6, then ext. 3119. Sincerely, Linda Carter Account Advisor Pennsylvania State Employees Credit Unlon Moin Address: 1 Credit Union Place, Harrisbuna, PA 1 71 1 0-2990 • 717.234.8484 • 800.237.7328 Mailing Address: P.O. Box 67013, Harrisourg, PA 17106-7013 • 717.777.2100 (TDDJ • 800.472.1967 {TDD} psecu.com This credit ur. on is federally insured by the i\ational Credit Union Administration. Egaar Opportvmty Lander SCANNED PSEf~k 0198705403 NICHOLASIBALABAN 911 tiVOOllLAND DR, LEMOYNE, PA 17013-1211 llcar MCEIOLAS J BALABAN, ` ~ ~~ 03/23/2010 SF,TTLE YOUR CREDIT UN[ON DEBT AND GET A 10% DISCOUNTl1 As a Credit Union, we recognize that unexpected occurrences can sometimes result in difficulty meeting financial obligations. PS>aCU would like to help you with fulfilling your outstanding obligation with a one-time opportunity to satisfy your severely delinquent PSECU Charged Off Signature Loant #L21 by establishing a monthly payment agreement. We can help if you are willing to work with us; however, a decision must be made now as we are on the verge of pursuing legal remedies to collect your debt. To assist with your decision, I would like to describe two scenarios: Allowing us to work with you: :•We will reduce your current Charged Off Signature Loan balance from 4,711.86 to 4,240.67. •:• We will stop all interest and late fees from further increasing your obligation. •: We will tivork with you to establish a reasonable monthly payment. •Your Credit rep ort, which now reflects a ciiai`ged-off account, wilt 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 ~vilI be immediately voided and the loan will be turned over to our attorney for legal action. Ignoring this letter and doing nothing could result in the following: •: We will forward your file to our attorney or third-party collection agency following I4 days of this letter. •: Collection costs of 20% plus additional court costs will be added to your outstanding Charged Off Signature Loan balance resulting in an increased 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 Lien 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 velricle and buying or selling a house. :•Any co-applicant on this loan will be negatively impacted in the same way. •:•Yo~u• account could be referred to a third-party collection agency for additional collection efforts. This choice is clearly up to you. Please call me, toll free, at 1-800-237-7328, or locally at 717-234-8484, extension 3114, to take advantage of this one-time offer. Sincerely, Linda Carter Collector Member Services cc; pennsylvanfa State (Kmployees Credif Union Main Address: 1 Credit Union Place, Harrisburg, PA i 7110-2990 • 7i 7.234.8484 • 800.237.7328 Mailing Address: P.O. [lox 67013, Harrisburg, PA 17i 06-7013 • 717.777.2100 [fDD) • 800.472.1967 (TDD) psecu.com This credit union is federally insured 6y 1he National Credit Union Administmiion. Equal Oppodum!y [ender SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy ?o?s+t?? of ?a,nbirf7??? FILED-OFFICE ` T'F PF`OTIIO 07fF;' 2010 OEC 22 PM 2: 41 Richard W Stewart Solicitor OFF CUMBERLAND COU,N? `v PI•NNSYLVANI,A1, Pennsylvania State Employees Credit Union Case Number vs. 2010-7718 Nicholas J. Balaban SHERIFF'S RETURN OF SERVICE 12/21/2010 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Nicholas J. Balaban, but was unable to locate him in hi; bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant Nicholas J. Balaban. Deputies were advised, Nicholas J. Balaban is thought to be residing in Pittsburgh, Pennsylvania. SHERIFF COST: $47.40 December 21, 2010 SO ANSWERS, RON R ANDERSON, SHERIFF No. 10-7718 Civil , . ? c? C, 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. NICHOLAS J. BALABAN, Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 10-7718 CIVIL PRAECIPE TO REINSTATE COMPLAINT TO THE PROTHONOTARY: Please reinstate the Complaint in the above-captioned action. BARLEY SNYDEA LLC Dated: By: Shawn M. Long, Esqu Attorneys for Plaintiff Pennsylvania State Err Court I.D. No. 83774 126 E. King Street Lancaster, PA 17602 717.299.5201 Credit Union m"Ilb 0?'j (',l It t 1l 3 ? Y4'?f d67/3fl 1?/Oj 3115356 No. 10-7718 Civil ! MAR -I PIS 2: U M SE RrL AIND C.' 3v =w a 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. NICHOLAS J. BALABAN, Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 10-7718 CIVIL PRAECIPE TO REINSTATE COMPLAINT TO THE PROTHONOTARY: Please reinstate the Complaint in the above-captioned action. BARLEY SNYDER LLC Dated: a By: Shawn M. Long, Esqi Attorneys for Plainti Pennsylvania State 1 Court I.D. No. 83774 126 E. King Street Lancaster, PA 17602 717.299.5201 Credit Union )1V PeW 41 y°l rlfqj asp 9?I 3115356 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith r+d t!,',": ' ? P 2; 18 Chief Deputy Richard W Stewart C!'tc."F }{+? t y $OIICItOr P{..Ia Pennsylvania State Employees Credit Union Case Number vs. 2010-7718 Nicholas J. Balaban SHERIFF'S RETURN OF SERVICE 03/02/2011 Ronny R. Anderson, Sheriff who being duly sworn according to law states that he made a diligent search and inquiry for the within named defendant, to wit: Nicholas J. Balaban, but was unable to locate him in his bailiwick. He therefore deputized the Sheriff of Franklin County, Pennsylvania to serve the within Complaint and Notice according to law. 03/21/2011 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Nicholas J. Balaban, but was unable to locate him in hi; bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant Nicholas J. Balaban. Request for service Penn State Mont Alto, 1 Campus Drive #109, Mont Alto, Pennsylvania 17237 the defendant was not found. Deputies were advised Nicholas J. Balaban currently resides in Lemoyne, Pennsylvania. SHERIFF COST: $37.00 March 25, 2011 SO ANSWERS, ))/r RON R ANDERSON, SHERIFF SHERIFF'S RETURN - NOT SERVED CASE NO: 2011-00051 T COMMONWEALTH OF PENNSYLVANIA COUNTY OF FRANKLIN PA STATE EMPLOYEES CREDIT UNIO VS NICHOLAS J BALABAN ANGEL L LAVIENA , Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT to wit: BALABAN NICHOLAS J but was unable to locate Him in his bailiwick. He therefore returns the COMP CIVIL ACTION NOT SERVED , as to the within named DEFENDANT BALABAN NICHOLAS J PENN STATE MONT ALTO 1 CAMPUS DRIVE MONT ALTO, PA 17237 DEFENDANT RESIDES IN LEMOYNE PA 109 Sheriff's Costs: Docketing .00 Service .00 Affidavit .00 Surcharge .00 .00 .00 So 1-1-1VUEL L LAVIENA BARLEY SNYDER 03/21/2011 Sworn and subscribed to before me this a1S1 day of a? Notary COMMONWEALTH OF PENNSYLVANIA ?p CIC A IAL S Notary Pubty McCAR1Y, Boro., Franldin County MY Commlaa ion Jan. 29, 201 V No. 10-7718 Civil -OF r` I t „t )"pTHONOTA 2911 APR 15 AM 9* 51 'CUMBERLSAND COUNTY BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 Attorneys for Plaintiff 717.299.5201 Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. NICHOLAS J. BALABAN, COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 10-7718 CIVIL Defendant PRAECIPE TO REINSTATE COMPLAINT TO THE PROTHONOTARY: Please reinstate the Complaint in the above-captioned action. BARLEY SNYDER LLC Dated: Lq 3115356 By: Shawn M. Long, Esquire Attorneys for Plaintiff Pennsylvania State Emph Court I.D. No. 83774 126 E. King Street Lancaster, PA 17602 717.299.5201 Credit Union S ??.tio.oo'r'd any ?.* 47960 R-*as71 f7 .FILED-OFFICE or THE PROTHONOTARY w I JUN 17 PM 1: 58 I;U PENNSYLOVAN A TY BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 717.299.5201 No. 10-7718 CIVIL Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. NICHOLAS J. BALABAN, Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 10-7718 CIVIL PRAECIPE FOR JUDGMENT Enter Judgment in favor of Plaintiff, Pennsylvania State Employees Credit Union and against Defendant, Nicholas J. Balaban, for want of an answer in the amount of $10,276.50 plus costs of suit. (X) I certify that the foregoing assessment of damages is for specified amounts alleged to be due in the complaint and is calculable as a sum certain from the complaint. ( ) Pursuant to Pa. R.C.P. 237 (notice of praecipe for final judgment or decree), I certify that a copy of this praecipe has been mailed to each other party who has appeared in the action or to his/her Attorney of Record. 3238256 0LM? a /V to Pd aEf? 0& 4? 418377 II No. 10-7718 CIVIL (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: BARLEY SNY ER LLC By: hawn M. Long, Es ire Court I.D. No. 837 4 Attorneys for Plaintiff, Pennsylvania State Employees Credit Union 126 East King Street Lancaster, PA 17602 717.299.5201 NOW, 1 1 , 2011 JUDGMENT IS ENTERED AS ABOVE. Prothonotary/ rk, Civil Division By: Deputy 3238256 No. 10-7718 CIVIL BARLEY SNYDER LLC Shawn M. Long, Esquire Troy B. Rider, Esquire Court I.D. No. 83774; 206319 126 East King Street Lancaster, PA 17602 717.299.5201 Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. NICHOLAS J. BALABAN, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 10-7718 CIVIL To: Nicholas J. Balaban 1930 Arlington Avenue Pittsburgh, PA 15210 Date of Notice: May 24, 2011 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 32290401 No. 10-7718 CIVIL THIS PAPER TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE FOLLOWING OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 (717) 249-3166 BARLEY SNY By: Shawn M/Long, Esquire Troy B. der, Esquire Court I.D. No. 83774; 206319 Attorneys for Plaintiff, Pennsylvania State Employees Credit Union 126 East King Street Lancaster, PA 17603 717.299.5201 32290401 No. 10-7718 CIVIL BARLEY SNYDER LLC Shawn M. Long, Esquire Troy B. Rider, Esquire Court I.D. No. 83774; 206319 126 East King Street Lancaster, PA 17602 717.299.5201 Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintif V. NICHOLAS J. BALABAN, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 10-7718 CIVIL AFFIDAVIT OF SERVICE Colleen Brelje, Paralegal, doth depose and say that she served a true and correct copy of the 10-Day Default Notice upon Nicholas J. Balaban, 1930 Arlington Avenue, Pittsburgh, Pennsylvania 15210, by regular mail on May 24, 2011. 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: --May 1 , 2011 BARLEY SNYDER LLC By: Colleen Bre1je, Paralegal 126 East King Street Lancaster, PA 17602-2893 717.299.5201 3229040_1 No. 10-7718 CIVIL 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. NICHOLAS J. BALABAN, COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 10-7718 CIVIL Defendant AFFIDAVIT THAT THE DEFENDANT IS NOT IN THE MILITARY SERVICE, PURSUANT TO "SOLDIERS AND SAILORS" CIVIL RELIEF ACT OF 1918. RE-ENACTED 1940 The undersigned, Shawn M. Long, Esquire, doth depose and say that Nicholas J. Balaban, Defendant is not in the military service of the United States of America, based on the following facts: Age of Defendant is unknown; present place of employment is unknown; present place of residence is: 1930 Arlington Avenue, Pittsburgh, PA 15210, 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 SNYDER By: Sliiawn M. Long, Esgi Attorneys for Plainti Court I.D. No. 837 4 126 E. King Street Lancaster, PA 17602 717.299.5201 3238256