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Home My WebLink About10-7736Ft~ED-OFFICE OF THE PROTHONOTARY 2~30~~C i ~ P~~ 1~ 5~ F'~'~o~; s"~.~'ANIA BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff v. VANESSA M. WILSON, Defendant Attorneys for Plaintiff Pennsylvania State Employees Credit Union IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW No. 1~ - 77,3tP C~iU/ 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. -~J ~ Zdn ~~. 9a ~aU ~ -~ ~,~~ ~~c~~a~ 3066029 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 ~0~029 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 Univn PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW v. VANESSA M. WILSON, 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) dias despues de esta queja y el aviso es servido, incorporando un aspecto escrito personalmente o por ei abogado y archivando en escribir con la cone 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 pars cualquier otra demands o relevacion pedida por Plaintiff(s). Usted puede perder el dinero o la caracteristica u otra endereza importante a usted. 3066029 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 3066029 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. VANESSA M. WILSON, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW No. ~Q ~ ~~ 3 ~ C3./ ~ ~ - f ~vh COMPLAINT Plaintiff, Pennsylvania State Employees Credit Union ("PSECU"), is a Pennsylvania financial institution having an office at One Credit Union Place, Harrisburg, Pennsylvania 17110. 2. Defendant, Vanessa M. Wilson, is an adult individual with a last known address of 322 N. Front Street, Apt. 1, Wonmleysburg, Pennsylvania 17043. 3066029 3. On or about December 14, 2007, Defendant entered into a PSECU Loanliner Advance Proceeds Voucher and Security Agreement and Loanliner Credit and Security Agreement and Loanliner Addendum ("Agreement I") with Plaintiff for the purchase of a 2002 Nissan Altima, VIN #1N4AL11D42C175443 ("Vehicle I"). 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 ("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 September 13, 2008 and thereafter. 6. Based on Defendant's defaults, Plaintiff repossessed Vehicle I on or about October 6, 2008. 7. By letter dated October 7, 2008, Plaintiff provided Defendant with Notice of Repossession and Right to Redeem ("Notice I"), a true and correct copy of which is attached hereto as Exhibit "C" and incorporated herein by reference. 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 $9,929.10 20% Collection/Attorneys' Fees 1,985.82 TOTAL $11,914.92 3066029 2 10. On or about December 27, 2007, Defendant entered into a PSECU Loanliner Advance Proceeds Voucher and Security Agreement and Loanliner Credit and Security Agreement and Loanliner Addendum ("Agreement II") with Plaintiff for the purchase of a 2008 Pontiac G6, VIN #1 G2ZG57N684174715 ("Vehicle II"). A true and correct copy of Agreement II is attached hereto as Exhibit "D" and incorporated herein by reference. 1 1. Plaintiff s perfected security interest in Vehicle II is evidenced by a Commonwealth of Pennsylvania Certificate of Title ("Title II"), a true and correct copy of which is attached hereto as Exhibit "E" and incorporated herein by reference. 12. Defendant defaulted under Agreement II by failing to pay the monthly payments when due and is currently due for the months of August 26, 2008 and thereafter. 13. Based on Defendant's defaults, Plaintiff repossessed Vehicle II on or about March 24, 2009. 14. By letter dated March 26, 2009, Plaintiff provided Defendant with Notice of Repossession and Right to Redeem ("Notice II"), a true and correct copy of which is attached hereto as Exhibit "F" and incorporated herein by reference. 15. 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 II. 16. Defendant remains liable to Plaintiff under Agreement II as follows: Principal $11,181.86 20% Collection/Attorneys' Fees 2,236.37 TOTAL $13,418.23 3066029 17. On or about September 26, 2007, Defendant applied for a Signature Loan with PSECU and on October 1, 2007 executed a Signature Loan Activation Notice ("Signature Loan Activation Notice"). A true and correct copy of the Signature Loan Activation Notice is attached hereto as Exhibit "G" and incorporated by reference. 18. PSECU approved Defendant's application and opened an account ("Account") in Defendant's name. 19. Defendant received a disbursement on the Account for school supplies subject to the terms and conditions of PSECU's Loanliner Credit and Security Agreement ("Agreement III"). A true and correct copy of Agreement III is attached hereto as Exhibit "H" and incorporated by reference. 20. Defendant is in default under the Account for failure to make payments when due. 21. A notice of default was sent to Defendant on October 1, 2009. A true and correct copy of the notice is attached hereto as Exhibit "I" and incorporated by reference. 22. The balance due and owing to PSECU from the Defendant on the Account is $3,819.03, plus collection costs of twenty percent (20%) or $763.80, which totals $4,582.83 plus costs. 23. PSECU has demanded payment from the Defendant, but despite these demands, the Defendant has refused and continues to refuse to make payments. 24. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., Defendant may dispute the validity of the debt or any portion thereof. If Defendant does so in writing within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will obtain and provide Defendant with written verification thereof; otherwise, the debt will be assumed to be valid. Likewise, if requested within thirty (30) days of receipt of this pleading, Counsel for 3066029 Q~ 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, Vanessa M. Wilson, in the amount of $29,915.98, and costs of suit. BARLEY SNYDER LLC By: 5ha~n M. Lc Court LD. 83 126 East Kin Lancaster, PA 17602-2893 717.299.5201 Attorneys for Plaintiff 3066029 5 VERIFICATION Pennsylvania State Employees Credit Union v. Vanessa M. Wilson I, Gregory R. Diffenderfer, being duly affirmed according to law, depose and say that I am the Collection Manager for Pennsylvania State Employees Credit Union; that I am authorized to make this Verification on its behalf and that the facts set forth in the foregoing Complaint are true and correct to the best of my knowledge, information, and belief. To the extent that any of the averments in the foregoing document are based upon the understanding or application of law, I have relied upon counsel in making this Verification. This Verification is made subject to the penalties of 18 Pa. C.S.A. §4904, relating to unsworn falsification to authorities. Dated: _~ ~ I Z~ 3~~n -~----_ Gregory R. Diffenderfer 3066029 ~~ ~r~ ADVANCE PROCEEDS VOUCHER AND SECURITY AGREEMENT ® Pennsylvania State Employees Credit Union P. 0. Box 67013 `' Harrisburg, pA 17106-7013 717.234.8484 800.237.7328 MEM9E[aNAME"• y;a r .) ~`- ;.~ATF~`<.. "^ •"a:.'.:M~MB~R"AFCOU~I;FSCaIGAE'R 1 i r "' ~ NOT~'i~((IivtBEt3 ~:,~,">'~;'x:s;A VANESSA M WILSON 2/14/2007 8103264811/L10 0006704740 3 GENESIS CT MIDDLETOWN, PA 17057-1119 PURPOSE' Dealer Purchase TRANSACTION TYPE L ^ NEW LOAN 2. ^ LOAN ADVANCE 3. ~ OTHER (DESCRIBE) q, ^ EE QWTY ADVANCE YOU HAVE PRT?VKil18f.Y EC$DT6D TO HAVE TFM9 ADVANCE Y ~ DISABINO YE3 ^ CRED NO u YE3 a CREDIT N F~ NfSURED WTiH7NE FOLI.OWIfla COVERADE E I ~ A~MIUaL tPER~ INTEREST RATE IS PRE~AOUS BALANCE NEW BALANCE O AhWUNI'AD1/ANCEO ' ~ . + OTHER CNAI ES CEM'AC3iE RATE FIXED vARTABLE ~., _:'.-•:,.w'r~ ~,,,,~ _ ..0212 055 7.7 4 0 g(, ~] [~ 15, 8 9 6.4 4 `~1~~,~°41~;9'~;~?~. 0.00 - 15 8 9 6.4 4 276 1/13/2008 PAYMENT FREQUENCY Monthly PROJECTED LOAN TERM 111 AD1111tME, 711E YSBg1grtY FO(i 7N13 ADVANCE IB THE REAL PROPERTY (IN MOBi CASE9 YOIAt HOME) VNfiCH YOU OIJ7YE AB SmCURITY WHE7J YOlrq ACCOUNT ~ 7HI6 ~ A10T'A FgME EC!<Xr'Y ADVANCE, 3J ADDITII'~1 TO THE PLEDtiE OF SFIARES IN YOUR WMY.INER' CREDIT AOREEMEPIT, THE FOLLOWINGI PROPERTY SECURES THIS ADVANCE . rTEM P~PER7Y,'^ ...:.~, .n•'. H11R. :e±'x~ +~'' BF:tt''•^."`',w .:a+'.- ;TY~: .y .;;,~"'• "~ V '• NISSAN LTIMA 2002 N4AL11D42C175443 SDN 12,255.00 2. 3. 4.OTHER YOU PLEDGE SHAREB AND/OR DEP031T8 OF ~ IN ACCOUNT NUMBER OLD AOCOtD[TA.QAN NUMBEfl R4YOFF RTNC. + INT.) OLD ACCOUNT/LCVW NI~IBER 1g) PAYOFF tT'flINC. + INT. a.D ACCOUNTA.QAN NUMBBi (C) Ti1YOFF PReiC. + INT. OLD ACCOUNrILQi1N NICER MYOFF (PRINC.+ INT. OLD ACCOUN7A.OAN NUMBER E) PAYOFF PRINC. + INL) OLD ACCOUNT)LOATr NUMBER RM1YOFP PRINC. + INT.) 13y acoeptlnp the prot~eds or by ueinp the funds advanced and depoeFted 1Mo your shareJshare draft aa~unt, you spree (1) N>.t the PR>pertY referenced ab hl ove w secLme the advance and any other advances you heave now or receive In the luture urTder the LOANLINER' Credit and Security ApreameM (the Plan) and a th o ny o er amounts y u sae ue for any reason Hero or in the future in accordance wlth the terms of the Plan and (2) to make payments es disclosed b I a ove n accordance vdth the terrrls of the Plan. ®axlA MTmuIL t tea. a: sa ea w. w. ae. aTOO.a. a. oe,AU alcllTS eB;B~rto PENNSYLVANIA STATE EMPLOYEES CREDIT UNION FORM M3173 JYXXO100.1 037-2092-1 (r!!pg) EXHIBIT A r; 1~~~ J~; ~r.lrl ~,~ - ~ .;_'• ;- • ~ •' • Penrisylvania -Stafe Employees'• Credit Union No. ti704740 '•. ~' i,, p08or 6'701) • Namt6tn7, PA 17106.7017 • (717)7J~-MBI M(COG1777.7J78 Al)70DRAFf • -~ V01Q OVER S•`16;000.00::=,`' -REFERENCE' ~ 810364811 ,VOID 120 DAYS'AFTER 1~/111~007 -~ i+ . ORDER OF ID' rLERI ~l~A-~"!~ '~"'ri' a1~~1~;0,~.,cr~sbv~~rJ }~, ,,,~~y. ~ ~ $4,.~~~~.~-_,•: i ~ - ..: ~ Q1.1~~~--1~•'~.I~f`i' 1IIA.I'IJJI.I~~ nl~~;~l,~ .~~~ ~~ICO~~~OLLARS IMPORTANT: VOID UNLESS DEALER ENDORSEMENT.COMPLETED ~`~ HWef'a Ordif /&It ~ Sars (Hew and Uaad Vehidasl and Ixtory mvorce IfJtw Vrhuaesl mus~bi seared burn the AtAODrill is feca.vtd by PSECU or tti AotaDral l wdl der iecvrted. fJO pord•n of the proceeds of the Autopralt ma0 b6 p>'d fo the Hwrowtt(al_ or td any agent of tfa F!orrowarlcl. Thb JWIaDrall ahaN nol bi uied to puedmr bennalNCNd, LOnLIMlCIaI, daadc, Urd6 Wvagi4 or flood dtlad vthlrSaa ar vahidu accepimq the proctela of ttua drarl. You agree to uttad outalda W UWIW Stada. BY _ Ina etyma laced on the wvelw uda - ~ -~ ~. PSCSU FAXf~ 717-'1878763 1~e,`ri5uy °rri N41~~ tt 3 . . 1 ~ N~ ~X YE~ `^ ( ~ MaKE ~VVV~.b.. 1 .. ~( \~}{ ~ t~y~/; ~6 1~-wl V ' Il.l ~af ~ .. ~a-7~ J otraJmaiotu aEruw mtarE nuMeEn MEMBER ENDORSEMENT~~ •_, , By end_orsinp-ihit~AtitoDreft; I1We a®ree to the terms listed on th~e!reverse side ' of the dratt:~Complit~ thartollowinp npaytnant Intormatlon. ~ , , Term tMonlhil, ~ ~~-~Rtler to Maainwm Tama in the 6lotor Vetvde Loans Broetwa. Merhod• ^ Auro Tranaier ^ Homebanhuy ^ Payroll ~ ^ tAomlJy COUDOn ^ Dn ect Payment frequency ^~MontlJy~^ &•Y! 1Y ^ Week1Y ^ SemrMomhl~„ ,~ Member Endorcement•~ /,,~ ~7r~~~/,V~ VANESSA At WILSON Co•ApplieaM Endorsement • • ,. 11'6704?4011' ~:2313a1>..16•t: 3L0638734911' 44 .~''0001589644d' .~ I t i r sv ~$~~ e~r9 1 ~~,~~ 16079 121407 ©67 .i sm 0a O i ~°~~ s-•~ g C 3 .~ ~Z e$n ' ' nr :~ t.~ ~ ~ { ,~,~~°»4 ~+°~ g~$° SSSam1~ S~ rr ~~ ~ - g :II B xgc~ti 1~~~p gas 1 }fcc}j d- 8~'. ra~ ~ R ~'.s~s •i i g CZ ~ 6 i _ < ~.ir~realic t~r~e. `'~o ~=~a~s~•f, ~"~~ ~~ =s~~~~~~~~~g 1Z-73-r'7 116]657177 Z ~~ r ~ ~ ~ $ * m ~ 51c~s s1575'rol 7°r ~~ ~g~$<,a~~~~~ ~,s__x~.t::0~~~~ p~ ci' __ _ Ind ~kK Y~•q~F ~$!qt =R 731 >ci ~q8 q_~4a3~y'7 3 ~}H •_r~r•^::'.__. Z ~~L$`~i'e31(4i6i It~fd~ii<°.~its'S 2 .... ~ • ~ ~ - PSEC~ Pennsylvania Slate Em~1o,~es Credit_Union Loan Disclosures. . vL;~ "t~u'~~~&i~r:f.+u.:Lfc~.:~~wt'!j •~,' l ~.,,:~!'. _:,Ai:I_C.,:H ;.rd_.. .. 5,,..;n. _ .. ..b _... .. , CREDIT It/SUf?R,ttCE :+s .. -r ... 7='.. 'r r<., a .. ~, 1.~,.,~':a;_i~ :.. ;r. .r..a;rcr,,,rr,rf'n<uthePrrn n. :.g ....,n.... .~:t ,. .....,. ~f~:r. ...-.i. (:~~_ ...c.,. i!.~.r, ',":'ru- ..,..,t ... i :, _rr . r.. ;: ,rt. r r'c'.:luf^ You your e.n: uurm rcr ,t.;,, .: : :.' ; .: .. L. ;a .. a T, .r... ;r, t,. , ..,r ,;, , :..:.c, . ,np ., , ,,. ;'i:ui Cretfrt un,cn via our tug;: us n,-., ~r.. .ny. .., . , .:.r .. , , _ ,, , . i.., , ,.. , ... ,, i u .,•nt, r-;-r. !rar al:r...t,; r ;1' t', .rrd_r hca ?IAk. it ~. :a ". .. r ,.. ;.I ,.... ...: i': ~! ., ,.r ...:r:... r;i..'.x _r ._„ HOPI THIS PLAN WORKS - ~hr~ •.-k:a'x,.,r tc., c ,.,r ".' c _r_., : t:u ..r :a r:r, r .,nr , t , f' :an h ! n r,. r<u~ .~ . „~ :, t u :n , n u,, .. L , , ' di t,cl;:.; this. ?ru^'~ ume tG !,m. y ±o .u, ba, r ,, ,y ±r.i9ei.r a,iv ', ~ ~.r i~, ~;::! . < ~'' %'~ ~. , c r.: au..., try :a; , .,.,,t: a.. t' c r iRn. We ore no[ reputred to make advances td you under the Plan and can ' PERIODIC 5TAT'EMEN1 - ~ )r. ~ ri a,..i.,r, ::r ~ . , 5;,:; c ;E: -, at t .rtF,n: ; x:,v,~rg refuse a reyuust for an advance at any time ''r; At.Jc•~d,.:nt ~t,.n,;. ,r: ,r,rr,~lt.c.s ura,~r - Pl,er at. ^y !, _ ,.n::! ,~,r;;i.iy .ta :te:.•c:r,nt .' 'rtntdti -:,es ~1 6 _.1-t (_:an!^C `SUtaCCr,,,nt~ ", Jv,. .LC .;nn 'r thG ''I_tn, _ •'i.rr,. t ''S?:aid ,.r,'•: =,r ., t,.... .t,L . _ u,.F, ~_, yc:u a, C,t, r~r' „! r.,r.r,r ; .,,, fr.;8:. you <:vr u h;rest rate r :a,'~, subrrc:;ou:a .wres5„~ :rs a dadv peno,:r, r.,.,> ;u ~i pra„n us .~ ::~ t id f~r,!5:,: :ip,Jir,,,.l. Ir,+ ~ {, , es ~. h,.: rn e:;, ,_.nt tvr r,ae~r. ,.Or=i15pi ~,Si!t j dnrr:fnl t%crce~l~a ~;, fFili, a r I d'(xr •arttc 5. It may t,Lr;D :'ii .'J ,,; f"_r ._, ,. f_ :i!tY vt ;a,, :<: Jk,• f'U,tG t; calf t.;rn,g ar o J br.na.:!,Ir, tG, d,.'i; rrDining t,ie PU~",:3 v dmUi; ntS. JOINT ACCOUNTS -- l ! i'~ s 1.5 a I t r.=rr.GO.rra u:zCt, r:' puu is :nd . ~d.<,tly an 11,, nit; CREDIT UMtT - ~~.a n~ay..kit tlp nut lievG to, a_,,.abt~h ,~ •:rr~dtt li? ~. or, s.rr ai ~ , re;(;tr„ b-_ tar F,ayne~ .II <>~~i~Ln!.:~.;:rd Ttt~.. rtErrns re ,:x^.-chlorite cur r,lhts: I. :~ubaccnunts, It a :r:~di! ,n•a rS se4lcr a subaccount, ycU ln'o ,~~;~ nt7h t; r,x.r,.,ed ;nr un_Ic r Cho P!t:n ~'~Ltl+ins! :u y c~ia r' yu., nii:l~td,rany i;r gsiast all et you toget;,cr. a you 35t3-'JltSh ed ct@dit hntit. If yeu 27iCC'ad !h9 Gr;„it !i n`,q, vC:a pr;7rt1.)a ,U =Qtd'3; i ti:va ,hg ;nCf,~^iti .f,?rit iCSlrtrCtit3nA `,h'C CAn rttht:rt~:~ Io 1GI!4fty Vca.r ',ns:rUCtkJnS- l3n~a~5b Uur '~ Immadrately iha artl.UUnE whiiat pxCaGdS the Cfedit firmL ~ ivritleG poll^~Y r.,qu,re3 .ail t71 VUU ".U 5iyn tc7r art advcu:Cb, each rJf yUU aUthnnZas iha REPAYMENT - Y'du prcm~sr: to repay all amouras yo:, oxe iuidar roe. Plan p~cs ' cf!+er(s; tU obtain ad.'.inces ;ndr+irhaatly and agrees tc repay ad~.•ances made to the ;r,terest. Paymarts ara due Un the ta5t day of the month unless we sat a ttillerent day i ether{si..yny jn~'nt accountholder may. targitraie the Plan py yivrng ns prior wriCOn ~~~ oat thU tuna o+ an advance. If itta •Addendum his no PaY'ment e,cltrs+3uie fora ', nvtiCe.lf any of ;ou leaurnr~ato too Plan, iha P{an is termutate+d tar all Uf you YUU i su`:aucount, yo.rr payment urill be datermireri at trio tim<a of ea('1 td~ance rama:n trabte md:viduailyan+:1 (ointly #dr alt advances incurrE.d bafvrr; tarminanon ~ , Payments mus: inctuda any amount paast dui, and airy antoum t?y wh~C.r you •iave j FEES AND CHARGES - tt you give us a ,ecunty i. ,arost in cc==stain types of axceedad any credit lmst you have been yrvert for a subaccount, Y'du may repay aH i prop+sr'ty, wee m;ay Charge you a riling tap tro pprfar;4 cur tntsreS'f in the property. It ive or part of iaftat you owe at ary tirrw w:lhout any prapaymant penalty Ei-on if you i do, iha amount of the fee r'.+il ba disciar:eri to you at the tins you obtain an advance. i prepay.. you +a<i!t slit; be requ4r,ad fd mak2 the regularly scheduEOd paymP.rtts urtia9s i t,~Ip Wray alto char!d? you ntrsar teas in cdnr?e~;!inn with the Plan. C7w Gunnnt fees are ~ wa agree in w~~it'iny to a change in the paynca3nt schedule. it you nn a a joint ! di5clased do Iha Addendum and wt14 ba addfad-fd y<,ur IUafi balance unless yeti pay '~ sttaredratt accnarit, you wUl ba raspnnsibla #or pay,ng A!I ovardraf, ad'.rancas tfiam In cash, cablained ny a =dint balder nt Chao sharadrah account, Unless ~.herwise rr,yuired by ! UPDATING CREDIT 1NFORMATtON - Yau promise that you wl?I prornpNy yr+c us ' law, payrrie R!Swill C:e appi,ed tU aninUn!s OWaCt Un:rBf inL' D ern, In trle ri8rt!lUf the. I ryri.tr3.1 ::QfiCa If yC:'u mcvi', Cha nga ydti r' hams Cr ernpldymePo, 'Jf tf any Gther '' Credit Vhien `;bongos ,„ 4n ~ ~ ~ ~ infdrmaticr yov provided to us change... U(r:Jn der rr,quest, you also agree td V Pt.Aa ACCESS - ..... . ; v,. ;3....-. ... , '"s.. _ _... ,_ ___ __ a F!rG~i JC r,. or:K ~~~u ,.a„~,a, „ ,..,, ,,,.,~,,, wc'low ynu t? use your ATT1/debit card to access r-ia Ptan, you may br t +wa trjr iha i DEFAULT -- Iha fo!/owing paragraph applies to borrowers !n Idaho, tiansas. unauthdnzad use of ys)ur 4, MrDatu! care- You vn:l not be Iketi{a for Inat 1 c,rr.,eL us•a ,I Ma1ne and South Carolina: You will be an dotauit It yJU do not rndY,a a paymerA of that ocCUr~ after y°.iu nCti#y us. Oratiy or in writing.. nt thaws. theN, ar pds3rWe ' urtau!`tar oc t:se. t` you believe your MTM Debit car.,f ham 5ce, ci Cost ar s+oien, t t`re 'sine ,"~! raGuirad it9rtin it rs due. You will atsd ~;:e tr default if we b2+iove the ' imrnediartety inFrrm the Crc-cirt Union try calling nr writing us at t.,e toiaphq¢a numt>r;r ,r ~ Pte`' ~ „t of paymerrt parlor, aar:ce, c:r ru ~lizatrnn dr 'uny ,roperty given as s~.,riry address tr , ap;laars elsewhara in the Plan. If iha card is used hn, obtain un'autlianzad i<, sign,hca?±tsy :mpaired_ advances direct"; from rt=e Plan, your (iab'Bity 'will act arcaad S50. (f Ina unat thonzE d i Tire following paragraph applies only to borrowers In Wiseonslrrs 'you wdI ba in withdrawal is front a sltaradraft ar;r~nunt, your t ability .s ydverr,a,y b; the Fiat~ulatio E_ ; cf:fautt it yntd fail id °nake a payntarrt when due !wo rinta> during any 12 mranth )' discicSUres you received of the lime you rec:ewad your ATMs Debit :;ant, even if Ina pohod Ycu wall ba in detauit if brooking ary promise made uridarthe Pian ciatenally :. wiihtlrawal ra5UllS in an 3dVatK;a tw.ing nfada from your C<'L'rdrilti SUbaCCnuril. ~ !mpairs y'ntr( abliity i:l YapAy what you UWa dr materially Inipair5 the Cnndflidn, VaIU@. i !, FINANCE CHARGE -The dollar amount you pay Cdr money borrowed is coifed a or protection of dr der riyht in any property ydu gays as s~~*curity. '1ir.anrx charye' and baZins an the date of each advance. A linanra charge will b,3 Thu following paragraph applies only to borrowers in laws: You '.vrkl bu ih '. computed sapara[eiy for each separate balance under the Pt3rr. To cUmpute the `. default 'if you ara rnora than 10 days late in making a payment. You will also be in finance charge. the unpaid batancu for each day since your last payment for g.inco dafautt if you do not comply with the terms of the Plan and your Collura m comply , an advance if you gave r;,ot yet made a Raymant) is rnufttpliad by the app!irahle dairy ~~; matehally impairs any Rroparty you gave as sacuriry Ur your abllify to repay what you periddlC talc. The sum Gt thdSC' dmnUntS IS Ina titArlCe Cha/yB o'+rad. ! ti6 balance C?we Under the Plan. used to ;.ornt>uta Chu fingnc+: charge i6 the unpaid balance each day after payments The following paragraph appUes to borrowers In ell other states: Ycu wil4 be in and credos to that balance have been subtracted and any addnfdns to iha balance ~ default i{ a., dd not make a pa meat of iha amount re u{rad when it es due. You vr.ll have been made. In add€fion in interest, we may charge otttor firiancr: ch3rgas which ` be in dat<iu't if you braafc any promise you made under the Pltm or if anyone i5 in ' are disciUSad nn thfr Addendum. t! iha intarast rate is a vanabte hi(ere6t rate, the i default under arty security agraarnent made in connactfdn with an advanca under Addendum explains hair the variafele intrrest rata works. ! iha Pian. Ydu wily ba in detault .f you die, ti!E for bankruptcy, beomma rnsoNant, ii yUU ;~ ', SECURITY -You pladgv as sacUrtty for the Plan aU shares and dividends and, tt tiny make any fatsa cr misleading statements in any credit Applidation or update of credit i all dexsrts and interest in ati joint and individual accounts ynu have with us now anil ` lrtormatior., or if snmcthutg happons wa believe may stbstarltiaNy redoes your: i in Iha future. F' a SpaCitic dUiisr amount i5 p~royed for an advanra, wa wdi traazr~ ~ ability to repay ahal ~,~c.u owe. Yuu will tie in defAUlt if any property you have given ' shares in that account t0 iha extent n1 Cite UU!Stariding ba~ance Cdr the advanca. ~ l;S a5 58CUrity t5 repo SS05Sad by gcmc?0n8 aISP„ Ser: ad under a fnrfaRltre nt slrnilar Otherwlsa, your pledged shares may be wandrawn Unless you ara ua default. The I law, dr if anything oiss happons chat significantly affects iha value~t U' tt,a property or toNowing paragraph applies In all stales except In Ohio, Rhode Island and ; our secur~ry ir:,ertst in't. Ycu wet also t>e ir. dehault under the Plan if you are in tlerault t Massachusetts: bye have a statutory liar, on the shares and dr+ndends and. it any Cho ! under any other loan agreement with us dc-posits trod irtera=,t .n all individual and jrnnt accounts you hsva with us and may I ACTIONS AFTEti DEFAULT -The following paragraph apples to bonotvers In i axvrcise d,;r rinnts ,ndcr [he Iter tc [ha extent permiftan by s etc !ew rVde are state ; Gatorade, District of Columbia, lows. Kenses, Mntne, Massachusetts, btissouri, , hartr'reJ if our name doss not Incluoe iha term 'FeUaral Gr~:dd Union °) For all ; PJebraska, South Carolina and West Vlrghtla: l^It:en you are sn default and attar ' borrowers: The statutory lien andlor your pledge will allow us to apply the funds exp,ration ct err: right you have under a;,p!icable Sate .aw to cure your dafautt, we can in your account(s) to what you owe when you are in default. The shiturory lien and den;aid irttrnddie,ro paymenr of the emire unt,ald balance under the Plan witnr_~.ut y ,ur piang> jo hat aapir to anT In .gout Renrdmerd Accoun or any other `rCCC, nt giving y;iu avt r e nn:Ca to t woe 's5e spa rd r« trees inch: unUUr state or'edera~ Ica, rf given ecurity Ao~iJOna sc.~rir Jr the flan ~r;a be rr. , The following paragraph spples to borrowers in elf other states exceptY/lsconsrn ' y y a'-,red at the tin ~ cr a r a inGa rt e subaccount aentifiro a *ype ,+! prppeny tsuct. a5 `Nevf Ca, i?u ,i us J' v Ih r And louisianr tN err. ynu are ur Jifautt, we cam, raquirrM immediate payment ' t q.,L r ticn) of the a v~re i pa^ bat ia.e under the P,an ldu w<aivc any right you nave typV o. Drop rte as ..ev:rnfy v.nvn you yet an alliance ur er tt at set, , c ;nt r {,; do ~ncf t;r p:!ym, ra, n,ri,.,- ct ;r,tanf 'U axelrrate and no x:e d? aaeirsration, subaccount .•m:_ such as ,.ether .rccured' mc,,ns you ,rus prrude _..;~i,r rp ar; eptsnte ,o ;.s .:ran yo,, cb am an a~anrs urtl r iha: sir^accocrn- Prdpary yc,: The foJlowkag paragraphs apply to borowers in aft states except tYisconsin and ' ~i;a as ha_W ~iy wi+- ..t'CJrG' of ~ n,...r :5 C'h ell 7~rtl..,i .tie ° an nod all U.. ,, Idaho yb.. Louisinn3: II m' ( rjiA'8 ~~t'y m(^.1 if p'.,+rnandfd. /a, 1. ,+i!I CCCt;nwe to pay iritCrest ur,"i ~. haae'.;'rtty:".-+r cr ,n lna o,,t.r_. ,xcrpt a^v.ran:,e..ur_... DV r:)..r ,rr~a_a. d.:,;iur' •:,,:.!,'.~.. .:!: i:, ,i.•_r ,.t {C a'?P~: <,~,,I C:tn:c rc.r:: e;'rdt_; rcr'ect or.dappliC<:bi,7. t r =.;ert,, „__,.acl c• !. nr: y u , .!vF +,r,pi _' rt y <ttr;c se r~ ?r e P,an . r. ._ -,. t. ._.. , . ... , ~ ,., LO.a1Ll:+ER Crcriri:fn:iS,:+uit, L7c,IrtA-,rr,r,~cnL :,:,ir;,;:r,cui ", _•.L .. .:• •.. ~ r .. .. .._ 7 ....: , ,_ , ,., ,. - - - i ,. -~" :". ' ~ CO NTIGUFC EFFEC-flVEftESS ~ - I' :' ... ... ..~, r ..r+ ., _.. ..• . . ... _ ,I " hlOi1CE 1'C U FAH GCgRU\VF:F;S -_ .. _ . . . r. _._ . , • .. ., _, .... , r, .. .. . .. ... .. ... _ _., I . .. r _ _ .:. ~ .. , , ., -. ~.... lr:z li;rtou,aq n ruyuire'd of• 'larmont '.n.' ---NOTICE TO CO-SIGNER -YOUR _ ., , ; ... -:' :: I ~. .:.:if .. :. .:r ... -~'' SIGNATURE ON THIS NOTE PAEANS THAT YOU ARE EQUALLY LIAr3LE ` I ~ r I, r ~ ~ `~ ~' t FOR REPAYi\9ENT OF THIS LOAN. IF THE BORROtiUER DOES NOT PAY, ;,; t~ ,, _. •; ;r r• f.: ~ + ., , I t:, .,' ,• THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. T[e.r;:. a.r ;~:as: : - ct p,r ,;:rlr; :r.. r. r rt ::'.,.. ,,,. I, ,: <; ary' r....,', The fuliowing parse;raphs apply if you give security in camxtckon v.~iltt an t^1<;;nt.) r. ..,.. , ,^.J r;w ., . . n., . ,' ,,n, ; . ,, ; < :il,r :, ,. _ cJ~>'~r advance under the Plan. They apply to burrowers in all slates except Louisiana. ~. ,., _ , r. [ .., _' d ; r.. .. ,I. , r',if :,.: .: ';r talc: y t,~: t. . Ir. „ acre Louisiana horrowers will exacuta a sapnrate sncurily agreement. t3orrowers in ,rr,; . . ,:r~.:_rf I ..>:• c ., ,;,~.,; fr., 1 Lu: +; ,y n.,dlce fren' tt.r• _<. c 'n~~,a ether states may also t,e askr;d to execuEe a separate Security agreement - ' 'T In it-'tc'. t N L 'I ':+ SF nl ` :n( r("EI {, '..' ~ f 4 e'E tl J 1. ' ' ' THk SECURITY FOR THE PLAID u).: J ,,s e 7 r t-:;+ ,:: <a sue ly rte: I? 1 t _+.rr ll Ne rn L,v'J ~ ~_r .,:atE, +3 ,. a :,+••+ ,.fin .: n..C. , h (,;r ,, ;~, } (_,< s Iri!r.1.. ,. !' ::i l'~. ,L .ot7 r: .,L ~C:f:Uf]Ct { Ilv 1•,.t.l~:t V,.•Jr.l 1 11 (itn .f .1,1(.Un': . Y.i :.i .'+'..J hd. ..{ .. ~Jl:'t'?la. r:.mdiCS UI .).t . !}h. r .t f• cNl-, f i .n~;. ',.. :r? ,.^ '! ~ r.,.C. aG .... _, l't , _ '•'~ W . _ L, ri~ -~ r^ ar ;x c,G 'rE AJ•. ,, ~. r"'`: c~ trC Gr 1, ,n rL St ': 1 -,,.e irV; l-,.d :~ Ui .,•~y u , t:J .,,,< . u .. xr +r?:-Par:. You yr.o r+.. t°y :rrte:rus. a.l .t+~u . iunt st L ;~ I g~r,es'ir,r•_ ,~_ ,uF ,lam r,5 a _ h,ngs :.r th ;ro , „_,~he,o to ;r ;acts < -t , , It^,e prc,ir.~r;, t"<~~a r,, . a..:ne ..'VD :.d, :a. d :BPpE>/,.;.!Iti '.t t c. .,~3dJI. r:'.t8 rjiSW .::1 .:'° t ~,:. i nr;w ,r a tk~ r~:.: e. Tl ca:I'y a tr:..:°: i,ia,- ,n_':.~_ie . '+'Iy rr~.;'p., errant: ,..r J f: N 4^.~.e.u7, i., ~ d tt.J ,, .,n^t as baro pzr:d_ prcy)_.tt errrC+r ,.,u Lr; .o.n r. 1 i! 't4y:. u: , :r ~,J.'a.+:,e c'r t+r)v e^k:r..,IGnS. renf'r;v<tls T'hr loflowrng paragraph applies only to Wrsconsin borrowers: Wrio,l you err in ~' cr rcfinan;:,ng ot'ne ti.tw r <::.. it.:,lsc ;ncluGes t,ny rnu )rr; you race~'.a Iron, .a'!;ng Uraiaal( 8, sY OiIcr er,p taU+l^, il~3. ~y rte'--• yuU naVfi u'R'1r;t Lipp11~1We state ,aW ,U Cute yDUt F C?C PfOt>e1'ty Or ..'Jrn N1Si Ira r,;e !UU haa@ Bn tt)fi property. it tr?e v siuE CYi [h8 ~rUp(y~rt'y: Jatatat w@ m~jr@IjUifG imn'tedl,tl„ p:ty'tngnt Ut yOclr t>G tSia riding loan fk7lanCV' urr;;af d:a ; dC-C,lrrps, y"s',i ~ro~'*;i :c: tb gives, tic r~', i,'r,~ prOpBrty 73s sG!?ur~~ if ttSF.Ed [D d0 S0, i P'ar: and seek pus v cr: ;;f property y'ver, as secl,rPy W,rJ m<sy vnlanrarity glue [ha 4yFiATTHE SECURITY INTEREST COVERSICROSS COLLATERAL PROVISIONS prrrpayrhy to as if yy, ahew-~'.e, .r we mar wee r. tr, take ~rs,e.,_ron Gf the praperR' by -Tna security mtnrest re¢ures th<. Mdvance du.frib.ad In ma receipt, vuuchar ur any i tu,.:Cial ,y c.Glass If we repossess the prof~rtY• ;'='ur_o~rg@ to pay reasonable axpans s '- other dovumant ycu recarve at the time of the ArJ^,+arrc:e ano any axter+sions, ran~.eaYs in,,urrao ,n d=pc stn, dt [ilr; property. If the; pra;re:rty 'J a n)o>c r rehide mr.~)de trpma. ~ ar retu)ancings ct tea :,dvanre. It also secures shy other advances you have now iri k:.f. snawmct5lte bo: r aurrall, you will stet tr rrauired to n ry any costs parmifteri + ar receive fn trio future under the Plan and any other amounts or loans, III to ^;eoi+,n -Sr'2 at3 of t e \'`b .; rosin Statutes. You r~oatt pay a.)y anvJUnt ,rat rerlaLns i including any credit card loan, you owe us for any reason now or in the future, ' unp;dJ after trio sd'e of}r~,y itas Dean applied to '.tir,Ftt ycu cn'ar. under the Pfan Ycu ' except any loan secured by your principal residence. H 4ha pre=pert} is house!lold ag*aa to pay rrtcru ,n any unpadi amount at trio s.irne rate as the arivance. cr it ~ ~;~s as deflrta,.t b~ the Federal ride Carr,nlissicn Cred+t P-actiues Rt,le, the { ai;)pitca:,l'., a. the tk;tault rate disclosed on the Adt~r dum, until that amount is pa,d. propany will SsCUre only trio Advanle ano not other amounts ycu awe. I if the property is Irh:atetl autsidEr Wisconsin at ttra lima of dafaui[, we may taxe OWNERSHIP OF THE PROPERTY - Ynu premise thas you o':in at! property ya, ' iussessi0n ai the prGper',y witr;out judicial praeass if parmrtted try the state where c}~^a as s©curhy nr if the ~dwztr,ra is tc buy the prnperty, You pram~sa you wrU ass '! ih6 pfapc'.fhy i5 loca;Cd. fhe AdvancC tar that {'carp rite. 'r':;u prom;~i lhst no orio else Y:ss ary InlCrest in Cr ' 7fie IoJfowing paragraph applies only fa Louisiana borrotvors: +Nhan you ar art i cla r^ :uJa'nst I:ne property that yv , h t •e nut 7trr 3dy told us ab Tut. Yc•u promse nor ' ', dEtduit, w@ r,an !CrjLire ,mrr:Qdir"ilia a •r,lunt (acctiCrai;un ,it i.'rlr, e r ru ~l 'ilu' F, y ~ •_ y 'G, ,, .., ~. ...., p y '"' ! •~' V~' tU SU Vf ',~iq i+e ++rt.e+F ui i.-i +, sa 't 35 Siiwi ii' u , ~: ;ter ~ ba!ar'ce unrh;r the Plarr,`fGU waive any right yclu have !o demdr?d for pd}rr,grt n{;tics ~ until ,r,e Arivan,.ti iS re;'iald, Vruu prc'~,ise you wul allow no athru security Interact or i or altar t tv accr'lurata and ndtMe of aceeltratton. It immediate payment s ~ lien to lzt[aGh ra t^e prc?perty uliher try your actions ar by oiler<~d;vr of taw. ; lc;nah:dcd, yvh ~sut curt+nue to pay intearast ur;t91 vhat you owe has beery retpdid at I PROPERTY INSURANCE, FAXES ANO FEES -You r),ust mvntrt,n properly ;na FpPncabia into>+cst rate, it afiec;t unless e; .retault rata 1, J!sclased on trio I il~yuranca nn alt pro{'tufty last yrou g',v~ a; sr~rcrrity undr?r tt e Porn Yuv may fwrchasc Addend J'1). It a demand for ./nmediata pav lre!)I has aL+Cn n'ladl3, th6 4ha"~?S d rd I th0 PrGpOtty irlSUfFrn(:B Ir€1nt ilnyufl' yitll G.nOC~Sr3 Pi,'1U L> aCCeptaA!C tip fits CrCdil ~lc~pdsits given as secur>`y tUr the Plar, ,.an Le appiLad towards what ycu Iwo. 4Ve , can also axarCSe ~.ny vtnar rghts given qy Eaw ',anon you era in detatrh and our Union Tte amaJnt 2nd coverage o- he proper y r,s'n rn a must C+g accap ad[a to us. Yru may prU,!ide the pre'perty Ir,.uranco trrpu.;h a uo'cy y:w aready atit' or ~~ rights ur)dor ar,y security agraemenis you nova wLtr~i us fnntuan 1 pa'rua you get and pay ur. `r'nu prr,ali r? to r I ke tr. Insurance pof,cy CANCELLfNG OR CHANGkNG THE PLAN -The fallowing paragraph applies };dyatua to us .rr!f Fo deliver the poll, y or proof ut rgvora,_ to us ,f .t~,ked to ,So ,o , only fo borrotvare !n Illinois: Wa have then right to ohan47e the farms of trio Plan tram, tf e, cancer rr Insurance and ct a rk!ltr, "'. we have a sir f t u) the rgtund i! trio, ' time rn time obey gvmg you .any advance notice re:julred t>y law. Arry cnanye to the Yo Yat 9 " 1' interest rata or c)tner charges wlYl apply to future arnanoes. property Is la I or ti3magad, :va van use lire insurance; settlemare to rope+r ti?e The foflplvinn ar h a ties oM Co borrowers fn Wiacanstn: We can property cr app y it tawartls what you owe. You at,thonTO t;s to andarsa any draft or g p agr~P PP Y check whld) tray be payable to you in ostler for us to cosad any rotund or txanefits '. ct)anga Cho terms of the Plan from brae to Lima in accordance wish Secuon a~'2 415 due under ydut insurance Grollcy. Yvu also premise h7 pay all taxes and toes hike I cf the Wlscansin Statutes. You tviil be notified of any Change :n terms. An Inereesa registration foes) due on the praparty j in lha deity periodic car under a Variable rater interes! ratD Ys not consro•sared a change it terms u+lder the Ffen.lva can cancel trig antkra Pian or any part at the I if you :~ not pay the taxes ru Gi+a>s an the prL,peerty when dos or keep a insured, wa may Pian at any firla. Y;DU may canCe! the Plan at any tirtle by giving u& prior x'nt[en ~ ~Y L`)CSe abfigatlons, twt',ve are not required to rtq sa Any money wu spend tar Saxe.,, nvr;ce. Yerur aaligation to pay the unpaid baton es under the terms of Iha Pan j files c'r rnsuran::e wilk be added to the unpaid batanc~e of the advance and yrou wtN pay ', ~ortinuas whether you rr the credit union c.ncel ttte Ptan, except to the extent chat ': `r?teresf an tnosE amarnls at -ne carne rate you agrae~es to pay on the advance. We play y:,ur Ilatli'rty :5 limited by Sec»an 422.41 55 of the vVisconsin $tan,tes. racaive (wymenis In „[:nnactiun with tar insuranr~ (rant a tY,mpany vihMh ptovKles the insurance. the m,} mcnitnr our loans f,,r the; p.,fpose a, deterrnirnng whetter you and The /o/lowing paragraph applies only to borruw•er-s in loe4a; We can c^anre ne vthar -s~tinLl.vars have ::vmptxd v.'+th the `n'cranc., reGwremwnts of our loan agreemenl5 j{ terns of the Ptan fronn tiara to time attar giving you any ads ncn notice rr?vuirad ay ~ pr r ay engage others to ao sG. Tine In.:,,ra,l.e Cil rigs added I.: en advance may inClurJe ttrx A mange tt?at nlcrrasas the rata of 5nance charya or other ,t arya, that '~ tt j rile :nsurance company's payments t. lie and (Z} ttie Cvst of tletrmi:zing comp!ia[sce : inrreasgs the arnrum ,,f your payments, or [hat otf!envise advr?rsely affects existing ~ w:i[h the inswara E retlurrattlerns t} wa add amot rite for ta>'eo fees or tnsurarlce to the I balances wilt apply to ex:ding balances only if vcu agroa to trio ehanra ar you lea I unlxiid balance of an arr~isrt:^e, we may inertasr y".yur payrnanls ro ,'=ay eta amount the Pian after re~~~viny notrre that your use of the Plan means you ayr'ea the ~ sdtted wtflun fnB term at the msucan~~, •)r =y:; roxlnn'3re trsrrn of the advance, ~ thongs ~ppires to e.+sfng balances. ~ INSURANCE NOTICE - It ycu ,dG not purcha.,e tree requ'red pra;:~erty insurance, The following paragraph applies to borrowers in ail other states: tNe nave tie trio rnsurancc we may purvhasg and charge you fur wi!l cover onl} Lur iruerest in the r,ght td many^e [hg terms of :he Plan from lime Io irnc: after groing you tsny ad'rcrrtcc ~ property. The prernicm for ^hi, insurance rtaay b8 nigher beCi::,Se the insurance f ^ctrCe requiraq ty' taw. Any ctulrrgo :n !ne interest rate wdl apply to firtJre advances, ~ Company may ^~ava given us the ^ght to Gurchase insurance aht:r unu)sured I end ai our aisoreror, grid sub;ect tc any reyuir'r";E;!1t5 of applicable law, wilt also ',~ collateral is lost ~r car+aged. The insurance will not be liabliity insurance and '~ I arpty to unpa+d baianca+s. , will not satisfy any state financial responsibility or no fault taws. Tna lollowing paragraph applies to at! but Wisconsin Dorrowers: A ~ncrcasa ir, PROTECTING THE SECURITY INTEREST - If your state issues a eta for tf,e ', It:e daly pcrtpdic r,te under a var,abie Intact-51 rate i sot ~ nslcfe,rod none ~ n props r y.:,l Fr nrs - c have cur 4e.c:,nty interest shown n .h.:i htle.'J~1e may nave ~. terms u,.:ar trio P!an V.e can cancoi Ise en7.:e Pl.uf n• any p-ut nt th:. ?tan at a•)s' to he w ,.. Is :..,c.,) in anr.in S'~cle, Vou may cancel h~~e Plan at any time, by g~v,ng is Prior v:ruten vatice. }-n, +. ~ st'tOmenl to t.otect our se arty rnrrctf ircm Iha ~` cla r c,t atiul a ;.,u o tlv ~ u ,ou proms to Jig , a , ncccu g ~;,a[e,merit You Y : UCI~.gatiOn tU pdy the unpaid L`alanCCS unUCr Ir'.9 tatmS OI the Pan CGr.t^ue5 v:'nilhCSr dlSC? .r,,mrbB ,., 'JO wna,.~r vi..e ne :h ^k is nu ,e5S4ry 1C pr G.,:~t UC:T sc;G..rity l you or :era Credit Unron wriest the Pian lolcn s t ^c' ur ,t:rr/ Y( , rrnti,u In Ct y stl Lu5 5 ~n ,`brig CeJI nn[ simrttlu ire any 1 DELAY IIJ ENPORCItdG RIGHTS AND CHANGES IN THE PLAN - :.~ L,; . ;;r ;r. af!cr ey ~...•,...~ nc::r I prte:An ,l.;r ~r.gJr u,FC:'~st : 7 r,Jius : trio property, ^roRang any J' C)Ut nit "~tS ~.c7er In;S Pr:r r•,~ rr„n,r!,r Gf ri r ~. :vi!h ..t L:,, ~_r: •'.-. r.0 U C~< .. ~ _.t4t.~rGreiL,t'F!I;.:.brtr'a+:'.. LO:.fJLU,fH C'n' i! anc Scrt,'i.'1_Crr'trt 1,•rr. _cr+f ,;:u ruCrli USE OF 1'Ftt}PEHTY - _... .,.~: ~,.:::,_,;.+:: n -.~.:,~..: _ ;,.:.: r.. . P+OTICE TO NGH'FN OAKO1"A BORROY1EFtS PURCHASING A G'OTCH VEHICLE - r r,, r. Fi . Lr . ~E i' . I , .. I :, , r. E'c E;JL:: . r' .`'I 1..'' ,.ir 5 -, ... ~ 7hE r~'-n::,' ! .ki"'~ ;,,t h._ - H -i'Jc:_ ~. H:1~ :, '.E ...~li f lr ..Hit. .tJ F`'.~.r I} i~ .:iFrt. 'L('•l.'_ NO'riCE FOR ARIZONA OWNERS OF PROPERTY - ~• s :r.I::.^.+..~ rr ;:;:: t> ta! t-_~ ,,. to re!ur ., i r..r i.,~o !%'.e .,:,:;'c:; .. _a:. ;t rv r .J: r,. ,. ..,i:;[ t.tt~r ;: , ,~~at~. r ... , of Jr,';rr.,.. T , ..._ ,ti :~ , ... ....r~•u t f e=.r, .. ~:.r i•'.., ~ y;,;,r r ,+,:rsih uy t:~ •.ritiFr u i' ~t;f r1r,<>; r n r- . r .iy..a;,;.. For these members who purchase a vehicle under the DRIVe Program, please review the follovring FTC Notice: NOTICE ANY HOLDER OF THIS CONSU147ER CREDIT CONTRACT IS SUBJECT 70 ALL CLAIh1S AhJD DEFENSES ~"!HIGH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NUT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. c • •• 'This noa~r. i,a.rairr, Im,,=intact s,famtat~Gn avout yu:,r rights an~} r,~; rn•;~t;,n,'b ,,, ._, f', r,'~:I :.4 ,a~.t~~ive your i,1'!or ,vc c.3rr ~ .,y t0 c., rlc.:,t any am:,u'lt y~,~{u.,,ti_•t!, ur r_-,or't r,nj~11 the Fair Croui, Git!ir!q Act. You are ad:r:;ed tv read year nivnti-;} stae',t~rr ~ yclu a: d:li,~,qu,nt. wa cdn __tinue :c sand srattrnens to you tar Ute amaurrt you i and review a ter ar y error discrepancies or unauthorirea aansachans. qua t u ~nc!ud'nq 4ir ancv our>;, , i we an 3~,pty any t ^pai+.i amvunt dgai!rS'tu r NCTIF'Y US IN CASE OF ERRORS OR QUESTIONS ABOVT' -YOUR ~. Crcdlt omit. You da rq, hewn in {,dy t r} ~t e.Pur w in'v~nt rehrfa we .rte mK-saytiri ut, , STATEMENT. ti you .h,^k your statement is wrong, or it gnu need snoro iniorr,atrart j but you are still GLuyat9d t. pay ttta harts r! ;+n a isteseant that are ra, .n qua~,wn, about a iransac*en on y%;:r stalerc.ent, write us on a separate sti.^e! at tn,3 address I If we fin! tr'rat wP. mate a r dstak~ or yaar sla amr'nt. yn vakY not trove to t:ay any listed an yC'r,r ~~.:ate:rert You ere required tv noYfy us in writing ~,vitnin 60 days ~ finance chsr'ges raiatba to any ,~uesik;rte f amount. if we didn't rook©a mistake, yvu follaNlr.y the ;:zero on. which v:e cant your statenlant wherein me srrar or pr„b'c.n, ~ r.,ay t:3ve to pay finance cnaryes, and yru wul trove i., make up any m~ssad I }ust appaarerJ regarding any discrepancy ar unauthan~©d trarvsdchooa on your ~ payments an the quastionad. amount. In r,•rther cirsa ,v(; wll! sentl you a stalen)u:nt a,^.caunt. Failure to notify us may r~surt in yore ar ceptance at any resp.,nsibrrty !or i o! ths~ amount you av+ij and the date. ;r,at it ,s due. ~~ pcynren; ar reirr,bursement to us for any such attar ,.r ot„rrapancy an yt.:,r ace;u'r+.. ~ H you fait repay the amoun! :ha,t w>r~ itlink yvu vwa, we may raptrt yvu as darinquent i Nrrire to us as seen as passible. Yvu ran telephone us, but doing sa wi!t riot However, ?f vur eKplanaiion does nut satis!y you and you vtrite to us within Ion drys preserve groan rights. ' tail!ng us that you still reh;sa id bay, ova must taN anycrte we report you to drat you In }iur lariat, give us the foiiowtng infnr!naflan: havo a question about your staatamant. And. wet rrwst te!I you the name of anyone i wo reporte'J gar to Wa muse tail anyone :va report yvu tv that the maser has lien ' Yot r rams and acC~aurA n'umtsac ~i spfde.J ~etwben us wtrw,n it'Inalty es ' Tsp r!rJler amvunt of the 3usc9Ctc~ crier. ' G~senoa the arrrN and explain, it yvu Car., why you believe them is. an error. tt we Jon'; lal!ow those rtilas, vie can't r_ol!e=.ct the hrsr $5G ct dte! qur,siivnec: arnn.,nt, even it your statement was c~nect r yv:, taro r urn, nr rid'«iar do7 st]c tt+, ,tEm'yCU arv n c' :dour f $pEC1AL RULE FOR CREDtT CARD PURCHASES - It you Haub a proaiam wilh tf you havo authorized us to pay a credit card account aurarnat wiry tram your share t?ra quality al prc:perty or Atvir.~«1s that you purchased w'Uh a creel+t Card, and you aacvurn or chackrng aCCGUnt. yvU can stop the payment an any amount you think is ~ have treed in yoeef frith to ccarect the problem with the r1lerChant, you may i;ave the s wrong. T slop the payment guar tatter must rea:;h us three busrnosr days before the i tight nut to pay the rbrnaintng amourn due an the prvperfy or sorv,ces.?hera arc two autarrtat, payntbnt is schectuied to occur. f limitations on This right: (aj Yvu must have rroade the purctra~se in your hums state or, ~ YOUR RIGHTS AND OUR RESPONSIBIL{TIE5 AFTER WE RECEIVE YOUR it not withkt your home crate, within t06 relies of yaar current mailing arJdrass; and ~ WRITTEN NOTICE - Yy0 must acknowledge your tatter within 30 days, unless wa i !b) The purchase price roust have been m;iro than $SLr. have corrected the error by then. W~tmr, 90 days, w'e roust ortirar catrac~t trio error al these 5n!nahcts del not apply rt we own or o.,erate the merchant, ar if we mailed explain why wb tmfleva the st:tement was correct. ~ you the advertisemen! fur then property ar serv+reS. j In this Agleemant. the 6YprdS yDU and yDUf mCanS each and all Of YhpSn Wna apply I Lino Oniy by wYittBn apptlcaticm lfi US. 'which Rtust bb approved by Oa'r Gr0di1 COlnmttSe6 ~.' for the card or who signs this Agreement. Cartl moans the Visa Credit Card and any ' duplicates and renewals wa rssua Account means your Visa Credit Gard t.ina of yr loan officer. By giyrng you wridt.n notice we may reduce your Credit Line'roM trrnEr Ito lima, or with good cause. rbvake yaar card and terminato this Agrvement. Good i Credit acaaun[ with us. W!, us, and ours means This CreUtt Union. cause irtC!udes your failure to r;omply wah this Agreement or any attter agreement with you ayroe to repay a:t Ctr~btS :noel the 1. RESPONStBIL1TY - If we issue you a card I trs, ar our adverse reevaluation of groan creelitwvalitiness.l'o:, may also terminate this , • Agreement at any time, trot tarminahpn try either of us rides oat a8ect yaar c~rlryatian count. For exempla, Finance Charge arising from d)e use of the card and tnb card ar, •o pay the account balance. you are restxrnsib!8 tar charges made by yoursa!f, yaar spouse and minor chridran .You are also raspansibra for charges made by anyone also to whom you give trio 5• CREDIT INFORMATION - `tau authahzv us to :nvest!gate yaar credit stand!ng card.. and this respvnsitaiKty continues unfit the :.and is recovered. You cannot diS:,isim when opening, ranbwinq pr reviewing your acca;:ni, and you autharizo us is disciase respvnsibilrty by notifying ts, but we will arose d)e account fur new transactions i+ you information regarding your account to cr©dit bureaus and v~rrvr creq,tvrs who rnq.aire so request and return all Cards. Your obligation Eo pay ttrr, account Irxtancp continues of us about your credd standing. ever, thrm,yh an agreemerr, tlivvrca decree or other odor, judgment ro which we are 16. MONTHLY PAYMENT -'JVe w01 mall you r' =.tatoment every month :dtawirty your oat a party' may direct you or one of the otherpersons rospvnsirrie to pay the account- Previous Balances of purchases and cash aciv3nces, iity tunant transacttvns on your The cards remain our praporty and you must recover anr2 surrcjndar to us all cards I ,account, tn6 remaining cracfit avaliabla under guar Credi! Line, the New 13aranebs of ; upon our roauest and upon tarmrnation of this Ayrec'rnrmt ~ purchases and cash advances s, tP.e Tat;i New t3alanCe. trio FirianCa C:harga due to date, ` 2. LOST CARD NOTtFICAT1pN - !t >cu believe the earrt has bean lost ur stden aria any other by"eel toes. aria the rv*,ininrum Payment required. Every marsh you must pay 9 i 1 ' P ^ i i f you wit IRtmedlatE j Tall the Crr•d.? tlrron at (7 t'f) ;7ad-y4&Z ,ti. r BDO) 2377328 After e15 lr t ro t :nt ayr c~ht w th n) g day5 o yaar Slat©rnGrt do&ng do r. By 3PParata I at 'hours cell ;t30C; 55fr 56%a ! zgrEx, r,er t y)u 'nary a:.tilonlrs us to rr .rge trio m,n,rnum payman, ;,utom.ttrw!y to your ~ ~ share or chec+r } ace<nu, rr n us-'trio rn`;y, W :ounce, par .rare `roctuently. pay mono ' 3. UABIUTY FOR UNAUTHORIZED USE -y'ou agree to not r, us ur~n!c;;~ate?y, or r~rV ', than [ire bt,nrrou : Payment. „r pay th:- ?drat Ncw. Baknn;e in t,,U, anc y.;:, welt r=,duce the ar ,a wntirv3 0[ rP.L` 10..:, ttN~lt rir .;nd:,rivsnzt~d ,rka :+f ;roar Crrstlrt ~: 3rd. 'Your :ty bt: I+rtrte ', frr,an ' CYtarge by ao ^.y Sa. I' yJUr monthly pitymant axci~ade Vie 1JU,' crept !tots balance for vie unaotr~onzad use vi your Credit Cans. You w!II nist ba ii~e tqr ucauthorrz~: use CW'r d. ice v,;11 autUmafn:auy pose the a ~dtt to Vou! C 1 snares that occurs aher you no.rhy us of Uto bss, theft, or possible unaud rczeti use you w8: hare: The mrnimurn taymer.i w 7r. ;a' • ~~ ct oar ?,xal M1ie':v IIa!ance, rounded s, F ,' y p'v the no i~bilmy for unautha..ed purchases moon n'nh your Credr Gard, unless yew are grassry next anon dollar ~r tbl S~.r ~0, whichever is neater. In adr+.r,cn. at ar ma cwt?oral y ne'gtrgent .n the hand,iny of yaaar Care. In arry came, your Irabi'ry ,v,ll not excer'rJ 550. law Balance excaws your Creort ..roe. you r u.,r immediately pay t'rc N.cbss upon oar 4, CREDIT LINE - It 'a'a approvo your application, we ev,lf e~5tab!'sh n se f- '' dr•nand. l'Je :ail! apply payments .n the faPiOW r.~ manner. 'rtst to prvviaus rate tees. rapienisnrng Lure ar Credit ter you and notify you at r,,, amount wean .re issue the ,'~ tr,en ro pre•naus call advan„es Gna.re chargE, ,than to previous aurcnase tirra~r~e card-Ypu agree oat to let ;nu account Dal~nceixceaa this appra:etl (:rE•da Llne Earn charges, than to current lard labs, then to prev.~u, ..ash advance to=antes, then tC+ payment yvu make , r .'.e acc;,ur:..i, restore your Gear Lin:, by r;e hr;vunt ..f M a pcit.aw, purchase baa',cc_ in the UrWc+r that thiy wc;ra pa5tea tC yaar aceC~nt. t~.en pay'^,em ,:hru , :; -, t ! , ;^ the pnn:spa.! Vou ^rr,y reques! ar .crc,ase n yo;,r Crea ! ro current , agir -~c, sn; e b,. rni. ,_ a .:f t u:'r •o currc;nt pi,at rise b=,h, ,.<.., .-: ....~r r; i; ;. .o' I. .. lit, 1.. ~.~i ,. Vrsa Crirtl,f %arrr Agn c!n+:'r :rnd Ti;.th Jri Lrr li .,J 7i& !'isurl~ (ccrt:utirr~dl I r r ~ . ;'. ~trlAKCE CHARGES - : _ ~ ., :.:,: ! ,~ ..:, . .::r- ~ . , , _ - ,. r • - iU RUR fT C`PTIO J _' 1 •= .. I .':- , , .„ _. .r. .. ..,,1 r. '_ _ ~ :..fJ 1. ., 11 ,..>.i" : .;~.. .. :::- ". t : ..c .. ,.. ~.._ „ ,. i .-.. .. .. r '11 : I,r. 1 1 '. il.l .'lfl ''.I (.. 1':,: ,, 1..' 1 l ft.: t.t..., .' Purchases. ... :....ir..rt-':G :.:r:.:, •.:;L.t,, ;,i, .,:._.'_:.- 11. HETURtrSANUADJUSTF.tErJTS-t.'•;.r c.n.,,:r. ,~ti.., I:vr. .i i . ~ ,i. i ...f.t .I ... ::. ~ ... .- .. .. , _,. f, i A,.,JIJ..CPERCE^rttt fr .y ) t .. .1, ..r .:u rr ., t rc, i .)r I, 1r :... .. ,. i __ .,., rr .~, .- Cash Advances. ,:'r: ...,...I:1,~ ti. ! .:. ,.. ,:.r. - ., ,,. _. . ~ .. .> ,i ,. `r .. G, a,.. 1' „ .. fl,:r .: ... .,. ._ , :r.:.a-.:.,..- : _a.~tc c. a:idn~ ;,;:u b, .i.e ,..,,.: !, ~.c`n,. i;;; .: ^._'.:: r a '.. 12. FOREIGtJ 1'RAtJSACTIONS ., ~. :. ,r: '.1,- .,1tr ..... .. ..:. ....: - --.; ~ ,c,:, :; ANNUAL PERCENTAGE RATE t,.....: i„ a, i .- ,.., .... rr. y ., :: c i irt; u i '. .. t r ,: ,, r . .:n:d r,. i. „ . r, , Ua4Jnce Cunputation Glethod :: ;t '.t t.; 'v ,;r -r,r:1 ., ~- + u ,+1 :.' r,t ._ .,,..:.::.. .. ~:'--~. : c,a,rcn.. ; r~t:r '~;r m•., 3 ' . t :::.t., r. ; ,,.. 1. t.a.: b/ui.l'., Cr., ,ia( L{ r "il ~ f F ri. :.C{i t)r '.r r r:.e ) .,, tr i. ;r , vu rc i -,: r c.l' r r ~ d l ivl I r 1 rl f =~ ~ , r1 11 ~ -rt U ,' i l1 r + t t r r l r' t If -; '11) I t g L a ' r'1 r 1 I', )} rE 1 7[ r U 1' I t .I~i 1.112 f e 'r? I rC 'd 1 ~ 1 tr ~~: ( I r 14 t .) ) I -'1 ax f Il 3i t. Jr ~,:; :ti F SCI~ri ..if tl.,fr I t f e ,n n,, lU 5 t 1 Sfl, ,e4 ... , _ nits :Ya, ...t_rsr 1il J pale:. •yf ,l dh;],lr y..u .,:',-i <., 1 I>, :,+ .,, GA - I YdL..v ,uC... ~..; s+r~rb (t.i? In~r,;frk7li! CCr r. ,ry C1`!t~ry r nn `,"t,, t .~ I ry C , ,. .PI en ~,.ur tt r,, in Iae _r:~uv ce i"t v,hic t! erri0uritS arc3 ~io.t~•d ro your ac cr~,,r., r. ..va J.r, ! 13. SPECIAL RULE5 F'OFt VISA PURCHASES - ft y. .I ,a(,re;c :u i,nd :.. e t;r ~.. p W .. arrlceunt.. o! a', as„_ .., 3,tctr.,~! .r,e an,..uns c' ., cr.:dtts n, pay--~ent<_ tikhi;.h t ct :t a Visalran>a;t!uo, &nd have hied In ;,Ott t3rtn t0 u+.ncct ~: r, *t,lorr. wilt! the• to yr.:ur :lccnunt . ~.7t day Attar at,plying payments a••d credits, vita subtr,,r•t V.t ^•~er:hant ar r,r chr~.r.;us are the; r...uit of unaath:mar~~ ~r rtni(iultr,t use. Or ~+~ur '~ amount rt erty •,r:,,:,+d r in.anc^ Oh.9i'raes or L.ato f. • argus Then we s,eu subtra.a tn~ ('iurcrer;;e ;.st more mart 5fi0 and ws made r, n:~ ;, L.~ . r,te~ri,r aril m }'~~irr .,.<it6 ',, am~7uret ,r a+rr Cast AdvFtnc~ Vansactir3ns drat pasteul tea your a~caunt ~ that r,ay or i ytrlthin t (10 miles ~cf your horse, i,~nlata P,FCU. in .:uty p ~;io.rs day a the uA c, ~ycr^_ Tr• i . gi.•es us rite Da:iy !33la.+`•ce 1, pr r1-'^.;: n< l 14. Ui5PUTE0 TRANSACTIONS -Yau are required tc natrr,• PS£CU ;rl wr ring AVe09y1P L?slily 3i3.dnCB F,;~ Ca5^ AdsSrCG'S .:~?Git AdV,irCr, ~?~rttngF:cf ~^~5 ta'"~,4Gh ,ari_ t•; it i"t {ii) days tOUGwin~ thE: tlat@ On Wt'uch :'C :,ant }^,!;r Sr11Cn1&nt IJ't9r~ C tt70 '•rrJr poste=d k~ your acccunt ere nut ieC6e;oed in tnd Avc:raye Daisy 3&tar•Ce catcu afon t+,,r or prgbtsr`r tlr.,t ,.pperrcd rattarding arty di;crePancy r..r unautr:e^r~d trait sctic,n on parcna5~ arrd ore tttorsbare net subract to the au,nthEy poricdic rate for pUr~r,a,.es, Thor ! yaur au;!;unt, TeEephanirtg PS[CU do3s r,ot presorce y(3r~r dtspu r.. rrPubS. You may Ae¢erage Daily6aiarlcp i•s cebafated ~:.eparatety Eor Cash Advances arrU !s subject to ttto { ue rcqu(rirJ to pra~lide u.. v,°,n; d.,rcun~entahor t=., 3dlpport your Wsp,lt.. ;,ivms In ; Cash Attvan~3 tvtcxrihty Perodw: fiate_The Av~rayo Daly Saia~e ti'K Cash'lansar,tians addrtion, you n.ay be required to coniplets a standard ~~ pose form outlinlnq site is eatcu'atod b5' adding ~i Daily Eiaiance~s ~Casn 7i~m :action) bt eavtt Uay in site b!uirrg ~ data!s~5. of your dispute In czses at Iraudulunt card uso. P9EC:LJ wri;P also requir.~• a i dy"cie, and tne;Fi divtorng by Char nun>ber o` days rr, ate, Gibing cycte To caJCU!FJte the Davy natari~ad altida'/R in son•e criers w'o may ask ynu to notify the ~a::ai autnaht es [33~nce for casn each day, wa tab.e the foilDtvinq stos:'Ne tFike the outsEarding bt~t;tir!ca I` :vo do not recErve tbo prot,sr requested rloc;umr.+ntatir>r in t: ~G tt rn ,pectfi r+ i,~., ~i fall arm;;Jnts you awej et the start of the day. Thert, in the sequence in which amounts ntay bo ;tit:,i4 responsible for [he star SJC,tian(:J rn gr,,esut . F"FGU rr'.a;t ,inhere rcy are paStCd to your a..'.>:O;ln[, WC add the arnQUrts ct :{li datsitS ants SubVaCt tY;e ar~•oun ~ ~ strict di5pti'.0 trrn Utranle5 Set k)r^t t+"y `Jn>a. of ail credits or payments whiGt past to your aucar~rt sites day. Attar ar_,ptyir,g payme,n,s an<I Credits, we subtract the amount at any unparcJ Ffiance Charges ar Late Ctltirge >. ~ iS• SECURfTY INTEREST - To sacuro your accaunt, you yrar:t as a Rurr r as~ ih~ v.•e aim subtract ate amount ar any Purcilas+s +`rarsac'+ic,ne iiiaf µisiv,J iu yam,,, ° money security interest :ender site tlnitorrn Cornmercia; Cede rn any goado ,ou i arxount an that day or in any previous day in the k>uling cycto. 7hisyives us the Deity ~ Purchase through the account. n ycu default, we wilt nrrva the ngilt to recover any u! !, 13alartce for Casrl Advanca'•ransttciions. Note: Cash Advances are always subyeet to ; these goads w nich we have not tree~n pa+d far Lhrcaugn our app,:cahon of you+ !. finance chargers aril from the day they are pasted to your account. i PaY"'°nts In the manner tlescric><:d !n ;he Montitiy Payrnc,nr se:tion With respt+ct to ~ this account or.~y we witl not asscn tsny statutory rght we may navy if you ors in ~~ Payrnorrts era ap,)tied ut the 'ohaa'ing rnar:noc first to previous iaba fees. !nen to default to prevent withdrawal cr your u:^.pladgad credit union .,hares iDop.sdsi gravities cash adve,nces Jinanco charge;.. ;nt;n to previous purchase fir,anco below the anpaid liaiarrce of your aco;lot However, if you give ar have green us a , charges, than to cuuent late fees, than to Previous casn::ldvanco balari s, rher .n ? specttiC pledge of your rradit uraian sharers ,Deposstsj by signing the Piedgo of ` previaus purchase ba{antes in the ordor !hat they wero pastetl to yo'.,r accaunt, tren Shares ar otticrwise. ar any cheer security interests for a.' your debts. ;our account ~ .n c:Jrrant c;3sh advance Latancos, and than to current purchase baianc:es. Urc;<J `s ~ Y1ili be secured by your pledged shams (Deposits) and by the property dascrioed in are applied tirst 1o the particular type a1 debt tvhic! is bekng eredaed, it ar,y, artd then ±I'ia5e ether security egroamertts, except err your hnmo. to the DaianCe at your account. tb. EFFECT OF AGREEMENT - rn~s Agreement s the contract which apples to Notb also tlwt tt the tGtai of the payments and credits which arty posted to y;vr 1 a.ii irari5achons on yaur account oven though tnk• strica, crass; advanco, cre•:a ar : account try site Payrtyent Due gate sfrown an a s!atelsnt:rtt is equal to ore. <~C: re ~'~, ether slips you sign or risce!ive may confabs dfferont arras ti'~a may amon.4 rho { Narn• fiaiance shown on that s>ratomont, we veil nits apply the t~anthly R?rrod~~ Fi.;s j Ayroatlent from lime to fame by senoing you the advanrc written itonc>v eequ:red tly '~~ to }roirr Account on your nei+t statement. ~ taw. YCUr use of the card thyrr.!atter wiN indicate year agreement [o the amenrJm~nts '~, 8. DEFAULT -You witl be In tltrfauft it you tort to make any tvlrnimum Payment wi+rr':1 ~Fo die extent ri,e law permits, and a~e indicate Pit' our naN,.t, amen,ime*rts 'trill anPiy '~i 25 days alter yaur monthly statement aiosing date.'Pnu autharizc cs to ,ransfar fr_ir~s ! tea Your eHisling account faience as v.hll as to suture tranvaet+ons. st>tticisnt to make tt+e miniawm payment dos ii yaur Vrsa loan is in detautt `r'oe writ 77. LATE PAYMENT CHARGE - tE your Mir,irnum Payn^?rR s not recerrr~J by the a!•~otbo~ede!anitrrroase ~i,t to re us is matEnalt ~ redu,;et7 b a chart e :rr ur ~' !list day of the rnpnlh ioticrving your !:uo date ou witl br :.)t. 20 charger. i Y PaY ~ } Y " '~ Y Y tact t0 a S' P p .y yaur ohliga!ians, bankrup!cy ur rrsoty; n..y pr.,c ~dinys l8. RUSH FEES -Yau nta Ir.Wr a.Jditicn:yi ;:nitre s k,r roan nr :; in and rr:sh ir:vcsNing you, your death ar y ar fa 4~ure t~-t abide by this Agreement. or t n. ~~.aluc ~' E ,. ,, y J" t~ ~' `~ duitvary of Cams ~. na~ar Plt ma,+ei our security intarost materiat?y declines 4Ve lieu the riC'Pub to tiomanu imrttedil e i 19. OVER LIMIT FEE - A SIL tea w.it De ; lie,7 hx earls m itP s!atemartt ctosin date paymort of pcur'u!i account baSanCO rl you deta + sJh;oct to our g v ng }~ a nnq ~ J 9 notlco required ay taw. `e the caent pernuuea ^y la v y ~a wiU aso ue rrqurrci to pay {! i?n which rite autstantlrng ta,tGrnce exceer±s the a e:gncd exedra i,mit try more Than S 100. I our colledicn expenses, incluang court a s a•;d reasonable aaorney ees ~ 20. DRAFT COPIES -You may incur do adalt+ora', charge far rransaetion 9. USING THE CARD - T~ :nako a turchase ~r cash advance, there are •wo i surnrnaryisate dealt dxumentacan, atternaUve procade,res tv^ uu totlowed Jno rs k>r you to present trio taro r; a 21. COPY RECEIVED -You acn+low;c+ctgo is t p! c.! a .^.opy r,t slit; Agreement panicipa? nq Visa plan merchant, or anothor tinane!'rl institution, ana Egr• the sa.c;w 22. ILLEGAL TRANSACTIONS PROHIBITED Yoe a, ce t !at }art vr,t! not use ' or casn adverse crest whth v ,q oe tq,p trod vah y ur card. nE other ~s u emp .a i yaur card for any vansactiar r.p:at is itte.aat under anpt;cabie cJerai stttc, orvca~, law the iranSachG^. try m~ you Persona I)er.rlf;caian Nwl')~r fP J, ~. anwn.~tnn w';th the eardrn. an aatomatza Tegor tdaaiine or other ry•pe o` ei,,r,tr>nr~ 1_rn;ltel sites 23. NO USE ;nacr'.•o bisa account; tn.,t nave nu crur,ha.a a c<,ai .,ctivny may pr.,v iw 1 u s to rr u visa s~ ~m ycu afire F that ~~ u ~ I n ~ u r yoi r carp! for 1 ~ be. ci,bee rrtfl,i,.t nohr_e t you artr r d morth, of r a ;a t dy, ;r~.n~oct.v,t ..,wt rs ,,.gam ,.r:a~r dppl,~apie tedar<n .t<,t.:, or ,teal .a~,v Ti e rncn I<y ~ 24. NEURAL tdETWORK FSECJ uses r Cur.il r enti ,rV syshx s to Preset era 'i1!amE 8 rill idf•nhry t":C r rCi art t -tonic. t r n' '~iU Or fir!ur. (':al n t l '.on 7:1 prC u,t Unistlt On .ed ;r,in.a Uo ' T t Il 'tidy Ge OCCas /I+5 when ,t trait>ffia u•1 IS , wfuch !rarsa:aions rare made ,~..t sa:<_. casn ed..inGe. CreJd .,. r, nor s p~ .;nnnet ~ :teas fined becau....~ it s indic,..tive .,' p v;.,ib,e fiat,J,dcr t ac1i~, ty ~. 0 r 6 .B d L E O Q r f") C 0 .L m L 3 y C ~ O O, t o $. o C ~ W y E u ~ oa c ~ oc C a ~_ ~~ _ ~° u o, a, F... c ° Ew ° m ~ a O •c ~ O o: ~ o ~_ d d LL yS. (~Ti~L"~~'i ~i C 4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 O O ~ d T ° .Tc O 3 0 m ? 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Occ ~Op ~n y Y 'O0p0 ~ A O y ~~ 2 p ~.c j ~s c u > O u ~ M O H ors ~ c~ T> c a ~~~L ~ c OO~Ah`O NO~'I~t~~ Pte' MCOO ~ON~-MMO NI~PC`70~ _ ~ 0p0 pQPNP t~1~0000(A ~ON~V'V'~l' ~f sj1~00'-(A a0~-N•-h~ y e C vOi 'O" O~~ c `~ ~ s a+E p O.Y O ~ ~ OOONhN hN~'~f V"7 OVMMMMM MMMMM(PY COVNNNNN c7p ~ ~' ~ ~ ,E,~-= ° E ; ~-° 'o„ 3 •`- ~ x ~~OO ~ 0 000000 000000 000000 000000 000000 '9 ~ ~ o u c c a ~ ~.~ ~ ~.~ Egg' ~ o C ~ ~ ~ ~ O 3a-~' ~ ~N N O E'UA ~- Q ~ > C ~ r-NM 7~A `O I~a0P0^N t`7 ~'~`O~aO PNN NNC~`! NNNN N(`') ~ C ~ ~i " c'~ H o o rn E, ~ c E o E m o c F ~,-.-~ .- ~a ~ ~' Lo'ova`,'~~T]i ddoNOEs lI (~ u1 ~ V F- n T:_ nO L O O O.'p E L w ~ U CERTIFICATE OF TITLE FOR A VEHICLE 355 D827799990D4154-0D1 1N4AL11D42C17S443 VEHICLE IDENTIFICATION NUMBER SDN ( D BODY TYPE ~ DUP SEAT CAP 2/L5/02 112/20/D7 DATE PA TITLED DATE OF ISSUE 20021 NISSAN YEAR MAKE OF VEHICLE 12!20/07 PRIOR TITLE STATE ODOM. PROCD. DATE UNLADEN WEIGHT ) GVWR 57128592304 WI. TITLE NUMBER 071473) 0 ODOM. MILES ODOM. STATUS GCWR ~ ~ TITLE BRANDS . - ~I,q~ttEL U~:~ n, REGISTERED OWNER(S) t~TTL ~ 7`JT, `fin; V(ANESSA MARIE YI~~~N'`; ,,,,, I...,„ ~r,.,.,.,l,l~..,l ,~, ---- 3 GENESIS CT MIDDI_ETOYN PA 17057 r ~' FII~sT LIEN FAVOR OF: SECOND LIEN FAVOR OF: PSECU ' *` ~ ~ ` { Mi+ %y - ' ~ - 1} a BeDOrd IlenhDlder Is A910d upon selrof~Ggrr of0.1tohtqo ~.1~'sl Iledwider muel forward tfda Tide 'to the eurea~. ,o( ! V~hl ~e ,~'. . ~ FIRS7 UEN RELEASED appropriate brm eM Ise. - ,II 1 ~ iii 1~ , ,y ~ . DATE ' ~. ~.a~^" iG,ry~y,~+:~iu~. BY SECOND LIEN RELEASED - AUTHORIZED REPRESENTATIVE DATE MAtUN~ ADDRESS - BY __ • AUTHORIZED REPRESENTATIVE PSECU P 0 BOX 67413 HARRISBURG PA 17106 1 certfy as d the dataof keue, u,e oflkial reeorde d the PenneyNarAa Depemnent d Trarrepodedon rolled iheT itq peraorHs) or carpeny named hsrofn fe tlts lawful owner d Ufa pid vatAcls. EIIHIBIT ~ W /W V I Cn W V 1 JBSCRIBED AND SWORN BEFORE, ME: . r TM WgabpneE hubby mak,a a0Plcaeon for CMAfab of Ttla b Hb venkb Oe,cr,beC above. amlr.+ b IM srcubb2ncas and Mher beef Naena eel form bare. eiGNATURE OF APPLICANT OR AUTHORIZED eIGNER SIGNATURE ~ CO~APPLICANTRITLE OF AIRHORIZEO S~ul:_~. K a CO-pUrO}laear Whet M19I1 y/rM1r aPOUaa k BMeli a11d yDD 1M;fl1 Ufa ~ be Gated ae 'Jdnt Tenants V1IIth Right of St~rvlygrship' ( ties one owner. ritle goes to SI1rVIVlr1(/ owner) CHECK ~1 ^ , wIG be leaned as Tenants M Common" (Olr~s"gyp deceased owner goes to hisfher belts or estate) t'' a +,~ , ~ ~' aI?~'""'~` IF NO LIEN, CHECK^ IS THI5 AN ELT7 (tF V,ES, FiN .pEkH11RED) Y~s.{7 NO [~' 1ST LIENHOLDER FINANCIAL INSTITUTION NUMBER.' TST LIENHOLOER NAME BTREET. CfTY STATE j7P IF NO 2ND LIEN, CHECK ^ IS THIS AN ELT9 (IF YES. FIN REQUIRED) YES [) NO^ 2ND LIENHOLDER FINANCIAL INSTITUTION NUMBER: 2ND LIENHOLDER NAME STREET CITY STATE ZIP ODOMETER STATUS e =ACTUAL MILEAGE 1 =MILEAGE IXCEEDS THE MECHANICAL'. LIMITS 2 =NOT TItE ACTUAL MILEAGE 3 =NOT THE ACTUAL MN,EAO~ODOFItETER :. TAMPERING VERIFIED ~ ~ ~~: ~. 4 =EXEMPT PROM ODOMETER DISCLOSURE TRLE ilfiAN0.4 A = ANTIQUE VEItICLE c _ cLasslc vEHtct;~ o e cbucdn~~ F OUT OP t r ,! G a QRIQIWI Tr~7a RQR E w py~L ~ n r P N Ai~hiCt,lY. LEt~IDLE ,.+~~~ L = LoBGING vEHKx~ P = ISMMS A POLICE VEHICLE -R =REt~ON6TRl1CTED 9-_S ~ T a~~Nd7.THES7 Vf:HI;xE V aVEI}ICLE~ iA/~5 faEI ;SUEC viN W >'.IT.OOD VEWGLE X • 16f1VAP A'fAXI TYI'c UR FRINT} ~e~;if~,. ~( Tula mint be subn-riried wiUiin 20 days, unless the purl ,;r is a registered dealer hoping the vehicle for resale HE TRANSFER OF OWNERSHIP. FAILURE I WARNING O O E O I h ENT MAY FESU LT N Flh ES OR MP SONPAEf T FALSE STATE ' TO COlv1PLETE OR PROD DlhlG A - Reg de¢d eeaitrs rt :a :a nF Ne farms A'V2: y or etvve LAST FIRST 611DDLE NAME ASSIf3NMENT OF TITLE - aeron~,reuo;la,v ii P:rrrn«er sr.Drarensr=reuae=er A . s•-: nn r cn me bent .;f Rea Ier,n m:~sr to ^~.-~ uctl 1 PURCHASER OR FULL __ _ ~ tG 'ha hest o' m}s~cr:r knowledge ;hat :h' Odome:el reading is I ':''E ['arhf/ BUSINESS NAPdE . Tr.'~~t'.S hi l ~ x CO-PUPCHASER e' miles and reflects fhe actual mileage c( the ie c -r___-__ __. _ __ _ (STREET do,ess one of the IUlcrino texas is checked: ,. ADDFE SS j Reuer-[s the amount o' ~rrilaage ~ ~ Is NOT the actual mileage __ I C:i~ _; in excess o' its rnerhanical limps b','AR^llPIG: Odometer dlscrepanq~ I Lt!'e 'ur!Y.er eerily :hat tte vehicle is free cl any encumbrance and Ural the amership is hereby _ PURCHASE PRICE ;ransfelred to the peracni5) or the dealer listetl. - __-_ STATE t- ZIP CR DIN SURSCRIBED AND S4rJORP! I TO BEFORE twSE: ~ A70. DAY YEAR I PURCHASER SIGNATURE _ _____-___ $iGNATURE OF PERSCN AD1.11NISTEFlING OATH ~ CO-PURCNASER SIGNATURE J T-- PUPCHASER AND/OR W HANDPRINT NAMMHSRE I~ I O SIGNATURE OF SELLER ;a I Q SIGNATURE OF CO-SELLER ~ SELLER AND/OR En ~°S.,r~~~r'~..T~ .,~o~ uWe centify, ro the best d my/our knowledge that the odometer reading Ia LAST FIRST MIDDLE NAME TENTHS __ __ __ _ __ __ X miles and rodeos the aduat mileage d the vehicle, PURCHASER OR FIAT. r , BUSINESS NAME unless ono d the idbwtng boxes is d5ecked: ~~ Redede the amnun! d mlMago Il""~~ 18 NOT the acWel mYeeeggee ' CO-PURCHASER F in excess d Ite mechankal Ymlla l.J WARNING: Odometer discrepancy STREET ~' ' IANe further certify thot the vehicle M free d any oluumbrende and that the ownership M hereby ADDRESS ~ - transferredro the parser(s) w the dealer Nsted. C ITY SUBSCRIBED AND SWORN TO BEFORE ME: srnrE - R~ASE PRICE U ~p P MO. DAY YEAR G R _ SIGNATURE OF PERSON ADMINISTERING OATH PUR HA R SIGNATURE ~ J Q ~ _ Ll.l PU R R a - PU FU ASER AflWOH ~ MUU I.,~I, .~i O o- : __ ~,~' ~~. .. SIGNAWRE OF SELLER h. ~ ~ ~ SH ~~ __ ;~~ e "" Y~"~~ A NAMEHERE ~ r ;~:,r, , . ~.. VWO cedifp, to ttre best d myAwr krlowlerlge deal the odometer retYdY1Q Is LAST FRRST - MIDDLE NAME . ... .. .. ... ...~,..- TENTHS .'.. br,f~."., a".¢. ._..._._.. ";X mlbaend retluds do actual mileage d the veNcle, - r ~ .. PURCHASER OR FULL BUSd7ES3 NAME ~ udasa one of d,e fadoMng bozos is dletlkdd: ~ '~ P ~~----'-r (''~'j Fleflocta Nle amount of ~litYeaga Is NOT the adual mlkaappee ''.. LJ in exceat d b rnechartk;al dmda ~ WARNING: gdo tar dfaue anc CO- URCNASER T .. p y ma dWe bather caddy dud tlN YaI1lClB is free bt'any 9nWmb/ancA BrtU deal the ownerdlyr 16 hereby STREET ADDRE33 ~ >N . ~. ...~ Transferred ro die pereonlc) a die dealer Meted. '~.~ ,. CRY SUB3CRIBED AND SWORN TO BEFORE ME: STATE ~ PURCtASE PRICE ZIP MO. ~ DAY - YEA OR OIN . - ' :~ . . SIGNATURE'OF PERSON ADMINISTERING OATH _~___ __ ~'. PURCHASER BIONATURE ~ ,6 J Q W in ~ CO•P R HA ~ -. PUa HASER RD/O ST: ° I''. r ' ~;a n. a „i y j'4 ~ ~ h II',' Q 9 A F R _ ~ _. - SELLER MUST :~,.' ~ . ~. I ,+,r ) I?'~ . f4YNOPHM/T NAME HERE I/We candy, ro the bad of my/our knowledge drat dte odometer read'vp fs LAST flRST - " MIDOI.E NAME TENTHS _- _- __. _ X mliea end redecte the actual mileage Of the vehitle, _ .._ __- .___ PURCHASER OR FULL a BUSINESS NAME unless one of dl6 fdbwng boxes Is checked: "` Radeds the amount of mileage Is NOT the actual rNleaga '-" i f if h i l Ikr ll ~ WARNING di Od CO~PURCHASER n exwss o s mec an ra s l : ometer screpancy I!V/e furthor certify that tlro vehicle io free of any endumbmnce arM that the ownerehip Is hereby STREET ADDRESS transferred b the pem,onts) or the dealer Meted. - cm SUBSCRIBED AND SWORN TO BEFORE ME: STATE WSE PRICE ZIP ~tpF MO. DAY YEAR N _ 51(=NATURE OF PERSON ADMINISTERING OATH PURCHASER SIGNATURE J II LL I ~ C -PUR HA R SIGNA URE ~ PURCHASER AND/OR CCI CO-PURCHASER MUST 0 U - HANDPRINT NAM HER D.. ~ l ~ ~ ~l SIGNATURE OF SELLER SELLER MUST (AI HANDPRINT NAME HERE. C.I I~ CHECK HERE IF APPLICATION FOR DEALER TITLE AND COMPLETE SECTION D. TITLING FEES S ,, ,. 10/07/2008 Via Certified and Ffirst Class Mail . VANESSA M WILSON 3 GENESIS CT MIDDLETOWN, PA 17057-1119 NOTICE OF REPOSSESSION AND RIGHT TO REDEEM You are hereby notified that your 2002 Nissan Altima, VIN# IN4AL11D42C175443, has been repossessed by the Pennsylvania State Employees Credit Union ("PSECU"). You have failed to pay the 09/13/2008 installment due under the above Loan and Secuirty 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 10/22/2008. Unpaid principal balance Accrued Interest $14,569.10 $89.59 ADDITIONAL COST IF REPOSSESSED MORE THAN 15 DAYS AFTER DEFAULT Repossession Expense $175.00 Storage expense @ $20 per day (10/6/08-10/22/08) $340.00 Late Fees $13.84 Other Charges Total Cost to Redeem $15,187.53 Payment to redeem must be in cash, certified funds or a cashier's check. We will sell the 2002 Nissan Altima at private sale sometime after 10/22/2008. The money that we get from the sale (after paying our costs) will reduce the amount you owe. If we get less money than you owe, you will still owe us the difference. If we get more money than you owe, you will get the extra money unless we must pay it to someone else, or use it to pay other loans. you owe to PSECU. You can get the property back at any time before we sell it by paying us the full amount you owe (not just the past due payments), including our expenses. If you want us to explain to you in writing how we have figured the amount that you owe us or you need more information about the sale, you may call us at (717) 234-8484, ext 311 G or (800) 237-7328 or write us at PSECU, P.O. Box 67013, Harrisburg, Pa. 17110-2990, and request a written explanation. You should also contact us if you are unable to pay the foregoing amount in full prior to the above deadline. PSECU may allow you to reinstate your loan, if you qualify, upon payment of the arrears and additional costs only. We are sending this notice to the following other people who have an interest in the collateral listed or who owe money under your agreement: (Names of all other debtors and obligors, if any) You have 30 days to make arrangements to take possession of the personal effects found in the vehicle. Failure to recover them in this time period will result in disposal of such personal effects. ,--- .Sincerely --- , ;., , ,~,, , 3'~~I t ~` Shawna Tingle Account Advisor ~ennsylvan8z~ Si.rats Ls~~piayees Credit Union Main Address: 1 Credit Union Place, Harrisburg, PA 1 71 1 0-2990 • 717.234.8484 • 800.237.7328 Mailing Address: P.O. Box 67013, Harrisburg, PA 1 71 06-701 3 • 717.777.2100 (TDD) • 800.472.1967 (TDD) psecu.cam This credit union is federally insured by the National Credit Union Administration. Equal Opportunity lender 1'77 w< '~ d~Z O A g m o x ~ ~~ ~ m ~ ~m ~ ~~~ a a m ~° cmn~ ~oa ~ C" `~ Y ~ D m .~ rn m Z v D c ~ z ~ w~N m o ~ N o z y ~ W o Z y o ~'' 3 •.i t? ~ m ~:1~ , ., , ~ °+' ~ ~'' ~~ ~ Y' O ~~ ~ ~...~ ~ .,_---_ f1J tD `.•. o O p ~....~........ O IU ~ - CI H ~, ~ ~.~ - hl W _ 1+ ~1 ..G' ~.~. '`, ~ ~ E-' ~~..~w..w,.,. z m ~, ..~__... ~ cs r~ cocc ~ ~ ~, ._ >~ ~- ~ rzA - c~ maz ee OHQ 3 ~-` ~°~ ~ ~ = ~ ~~ ~= c - ar _. x, - ~~ ~ ~i~ __ a~ ~ ~ as 704 ~~ ~'1 ~ W e '~ ~:; ~~~ i ~1 d z r. ,; r~~ ~;; ~~_~ :~ ~~~ n' z '~ ,~ Y z ~'- .; ~ i I i 251 ~~01 ' ~ `~ b ~ C ..... _'. ti` <s ~r ~': ~. `~C.alh~ __ ~__ ~ _,~ ,. Rr ~ ~,: s `~ 3934 i ~~ ADVANCE PROCEEDS VOUCHER AND SECURITY AGREEMENT ~I~ +~, ~ PennsylvanfB Stata Employees Credit Union P. O. Box 67013 Harrisburg, PA 17106-7013 717.234.8484 800.237.732$ MEMBER NAME' r _ DAT~;,'+ ~ +;fNEM9~it ACGOt1N7: y+luM9~N ~ ~ ~.NQ'~E~NUI~t9ER~ ^'~; VANESSA M WILSON 2/27/2007 8103264811/L11 00067244].0 3 GENESIS CT MIDDLETOWN, PA 17057-1119 PURPOSE .Dealer Purchase T~ T~n~ 1 ^ NEW LOAN 2 ^ LOAN ADVANCE 3 ^ OTHER HOME DESCRIBE ^ I . . ( ) 4. EQU TY ADVANCE YOU HAVE PtIBlY ELECTED TO IMYE TNT, ADVANCE ^ n' ~~I MtSURED ViflTH THE FCI LOWINa COYERAaE ~ IF~ ^E CREDIT L ^ CREDrr tIFE~+ - . YES NO ~ YES Y DAILY PaR1001C Fd1T8 ANNUAII. PER- (CHANGE W TERMS ONLY} tirPITAt3E RATE INTEREST RATE Is AMOUNT REQUESTED r orHEn cHaROES 'L- PREVIOUS BALANCE AMOUNT Aa/ANCED `. . ' ~ NEW BAtl~E .017 7 8 0 8 6 . 4 9 0% FlXED VARIABLE .}. -. ••°•`5 ->'"':' ~ -" ;~, ~] ^ 21, 6 3 4 14~;~ ~ ' G.~~4 ;~;~~F 0 0 0 21 6 3 4 14 , . ,_ , . PAYMENT DUE DATE PAYMENT FREQUENCY PROJECTED LOAN TERM 363.57 1/26/2008 Monthly ~ taEaTA91. AdVAI1CE,IHE ONLY 9ECURnY FORTHI9 ADVANCE Is THE HEAL PROPERTY (MI MOST CABESYOUR MOMS} WHICH YDU GAVE AS 3ECt1FMTY WHEN YOUR ACCOUNT IF TINE 18 NOT A HOAAE EQUITY ADVANCE, IN ADDn1pN TO THE PLEDC~ OF 9HARE3 MI YOUR LOANLINER° CREDIT AQREEMENT, THE FDLLOWING PROPERTY SECURES THIS ADVANCE. tTEM PROPERTY ,.MODEL' ;YEAH"" ,.:ac. _,r NR:.i~~,r~ ~ ':~.~-. • '•TYL3Li" ~ - vr~~.., VALCIEfi~'" '~~ PONTIAC a 6 2008 1G2ZG57N684174715 ~~ SDN 21,930.00 1.OTHER YOU PLEOBE 9HARE8 ANDJOR DEPOSir9 OF ~ IN ACCOUNT NUMBER OLDACCOUNTA.CVWNLIMBER A)R4YCFF RINC.+MTT.) OLDACCOUNTA.QANNUMBER B)PAYOPF PRMx:.+INT. ~DACCOUNTA,CV{-dNlA1BEp (C)PAYOFF PRINC.+MIT. 0!D ACCOUNTA.CAN NUMBER (D) RRYCfF (PHINC.+INT. OLD ACCOUNTAAAN NUMBER (E) PAYOFF (PRINC.+INT.) OLD ACCOUNTA.OAN NUMBER PAYOFF (PRINC.+ MIT.} BY tirlg the proceeds or by using the funds advanced and deposked into your ahan>dshare drart accownt, you agree (1) that the pmpeAy reiererxed above will secure the advance and arty other advan(a!s you have now or recehre 1n the future under the LOANLINER° Credk and Sadly Agreement (the Plan) and any other arrwunts you owe us for any reason now or to the future to accordance with the terms of the Plan and {2) to make payments as disclosed above to aaccorrdance with the terR>s of the Plan. -.........-.........,.,....., ...,., ,,.. o., ,.. va, ~. w, cuw, v., w, w, w.~ mama nrsenveu ~I~- ~,v,~.e. ~i ~f.e~rdSoh, V~ ~ ~a ~ . EI(INBR D PENNSYIYANUI9TATE EMPtAYEEB CREDIT UNION FORM M3178 JVXx0100.1 037.2082.1 (8f06) a u~ SCANNED f ~, ~'~~ ~ i -... -_ I • ' ~ - ' ' • Pennsylvania ~ t e . p o t:es> Credit Urnon• ~ ~No. G724410`','~"~~ PO 8°[ 67017 ~ • HaMsbu9. PA f 7106.7017 • (717) 27x8184 a (8001237.7728 AUTODRAF7r .VOID OVER 5;21;635:00%,rr,~ :REFERENCEr Si03~64511 VOID 120 DAYS.AFTER 1~/201~007 f ~' PAY TO TH •~ ~: ~ r ,1~ , , (~ F! + K~'~. ••~~Y•,l~J1J~1 Pis'., ±;, r ,,r_ $~ ~,~2I lU/,`~-1*: ~~; ' • ~ ~ i' ~ - O 8R OF.tDEAIER) sl.LLt3:.y.i ~} ~LU~.(1tC.,~ .~- ~ Ol 1~aQlY~~SU•1 Ll.l'1 ~1~iC~. ~.'~-C.C,l1L~.1.1 f 'y`':~aIICO ~^ ` . . y,/~/. f IMPORTAyT: VOID UNLESS,DEALER ENDORSEM.ENT•COMPLETED ~ i MEMBER ENDORSEMENT -. , ; ', , , J // 'r .. Buyer'iOrd•[j8d1,°I Bile INew and UuC veree~ee)arW (riory iniace uJ N V n'~c~ B/cnd°tsing,lhirAut°Dlafl,,~1V° agree t° Ih° terms Lstedon lh~severs° aids ~ ,, -t. // ~ roues ba raaveA before,rhe Aus°Ormt sKCewed by PSECU or the Aw°pralt wdi b.fr !ol the dsalt;/f:°1rip4te th• folkwing sepaym•nt(h}°rmahon ~ ~• t ,- N ,~ r ' I rii,irhed tto ponrorfj",ol the proceeds °I ~me AoioQ(ah ~y~ °4 D±a to~rhs 8anowerlli` ~ . ~~~ ~ f ~ t/•~fj '~ ~ - ~~ a ~ ~ ° ~~. ~~1 (ar to any spent rl the B°rrow•rIJ1. This Aut•Dntt shall n•t W uad to prrctuw ~ ~ `Term p.tonthsC. Filer to Maa,mum•i•rma m the titoror Vmcia loans Brochurr. ,:•' 1 ~ (ncal•INt°Ibl. commercial, daatle. Iheit. sa7vay°: m Ib°d IIV•0 yuhicin dr vI,icl•s Mathod' ^ AN•"Transles ^ HwnebanV.irip ^ Payroll `' ^ Manlnry C°uw„ ^ (JirK1 Dryrr.ne i' 4W feutefd+lha thvlrad StaNa. 6y`~ctC1~41h•p«=w•°L rri'i dralt:,Y°u a)req t°, Freapenq:•~gpy, IAontNy ^ BrYleakl Q Weelly ^ SCT•~WoMhl( +r•4 Iha terms a9te6 rn the revru oils%,2:,~i`~ ~/r~f PLECU FAk1717.78T•83Qt r' ,! .; , ~ ° ~i ~+, • ~ ' ," • •i ~ , ~ t', ~~ I , v ~ .,'', .~' r,'r,r`~ r2 ~~1.4$~~ q-~115,~tf ~'r_k ~~.rM°mber~Endorsfineri41r1%'~r/1/,7,. ~ ~ ~, 'ff~r' - ~ .. ~-i ~-~t~ ~ ((','~.~ ~ ~-' ;r ~ ~;, IV,tAtN1ESSA I~1 WIL50y '+ • - ^ r t~.~ etaoel ~..t~ M 1~ '`Co-Applicant Endorsement ' a+•• f ' Y !f, l7E ~sa• ..~ •OFKEar„°rESaweaq• ~`J••l j: .~ .~~'• ~ ~' - - .~u~F~ 'r'. ~''1~~' ..' `.' ~~ ~ 'NO CO-APPI.tCnIaT,- r' . - Il'6?244L011'.. ~:23L381,2,16•i:•• • 3Li638?34911' 44,r1'0002i63414~1' ~~Ia ~r svgs m zg3yM Ss'XC ;~~m ~~°°> e~Y ;~~m Y: ~r +_ Y 5 ~ ^o o$~ ~~ ~~ x "e' :Y :~ 20137 122rQr 5i6 1 6 ' ~Q. m~ i ~°=m. ~ ~ Q ~ y ~ rn "~7369~78 51575~1~p r ~. e3 iT ~ 6$ Ya~ 3 ~~~Z~~~;I~~' der p9 ~;~'~~Y~~~ 3s $ < g ~r N~~,4r R~i{~^~p»-~ 3C~n trRA'K+~<lyl CR ,~.i ~~ v~S ~ Rkm 5~e3[j°l~~4~lnD~R~ < _ psi °~~~.~~°4"O~~O ~~'.,~~°•~cr5~~~k~:DOJC -. ~k,a{~fe pcp tN KiE ~m m f:o ~~ o m OTC ~9Mn~ ~54Pi m 9R.~ ~ Y~ Z mr q9~- 9 S l~r~~3 i mn~$ ~~i%~a px £L ~g ~ x$C rS~s7 ~~~`~lG ;i~yC .. ~~°i~Q=~~~Y~ axr f rw m 1= ~~ r r ~jl:' ~~-~ ZU. a ! . - Penns.~vania Mate Emplayees Credit Union iLoan Disclosures : r'yLit~C[~ie~~_N 7 ~' ~ / 1 M~~ r • l ~ o~ ' gyt~1y y~p, 1 +~ ^iWX ~YSIG..jJrittL l1't'~' ~'r 4`m'~~'G"bnL.+.~9'.A.'l.cii~tf ' ^, ~ 'h ' ~ G r I i -` r• << - ^C, .. 1 <,,,_ ,..:.4 .r.. CFiEUiT IttSURANCE rr:" r . a•h,' cr c _..,. !u,.., y: .re ~t" .^;ar ,o .. . C:r , :. ., ...r (..i,.,.~,..._ ,:!_~:..L° :.(1 bi rc ~'uc;D :O as the Plan :~=~r:?~4 _ ..,^~rr. ;.U~•, 1'-.. t.r_,. i. n~,n. -,: ~ :;.,., .~L;: ,~ a..,~rc`.a .._.-r.: r.: ._~'r..•• it .. :: ,t', ~. r_-.: .r: em,.. ai,..,n ,.a.:crr.Juc! You. yaur ono barro+:er ^ .<, .. . „4r _ r.r c - r,' _ ..s t ...:: ' : r ,.:,_ :;:~ .;.: n ,:n , • inC''y t~; {,nu : ,, " J,: ,... ~ ^, ar J •~e Fr_,a Credd union ere. our ., m:: us r ~&t . f>f .- :.:r ::. ,. ...,, .... ,. Cr .. .'c o..' ~ ~' r- ~r':,.:: i. ., . .u, ;'~ ~ s, a i c.:t ~ : ,,, •e..:.,,. ..,-n,r. Jn ^n tri . L.., a. r d -t u:;i:_ I, t„ ni,,r. , , ; ~. ;: c r '~ ,. „e r, ,:: of ~: rte.. ,.. ;.l bi re..:; i,.,.r o...~ r ,; ,,, , ,, ,,, , ,ud HOY! THIS PLAN V/ORKS "h!5 's „r r,,, :.tr t ^k': :.: „r 'f ~ +edrt rcu a ::.a t,de ., . try -~n7 ..,c p , G~ P' . , I! . s +:• , . ~r, a.;, .~ .ri!1 _. r ern ! :;rf ~d t,." , r-t c pate theft. tro . fir.-t~ 2D t r`a, you .:Ir bo•row r ,r av rc,i., + ?.;!v.t~ . , t_;rUw {'c .: k. tiny rw.,.+~ ~:;u =: ti by alp :Y:?le s„w v:e Plan. tiVe are not required to mako advances to you under the Ptan and can pER1001C STATEttENT - On a r !;;,i<.:r ,,:3.i ~ ,.,.i +,.d rr ,awe r: t a_ rent v:.ny refuse a request tar an advance at any lime. ~itc, Aa.endi;nt u_;rrir.,ra ere: a. ,,i s.;4,;;t. ,,r,cie•r !+: f'ia^ dcr,ng tte..r.nna ;~.;err;r. C:y ,:.r;• sr..ter-:i;nt ~:: h?ren tj„i5 Gi .,[c et! ;calit:U .,~,tddt:,...+.tb"i 3v.r '_.bie ur;!.:. the FiFer 't'ee r. u: ~ ~r_de art; ',c! t i,.!;> , r e: : .t t7 yr, c, at L'tfl nu ,'. E,ia~nr .~,;.;r,.s jclu ~+&ve inlt~rsst r:,tc. or :act suuaecuur',t ex„rnS•sad ;a a d:el, l~ern)diF rate ., U ', ;ran u'a ~n vrSn+~. tJa~..; a(:pfr.abl_•. law requ!res n„hir. to r?u;n ,.7n1. h^,ne~er '~, wrrrspUrarnng an+ gal pa,cartaye rate antl i.=E'h~r' ~. ,..~y~ ~. !t rr=2ag situ rave at7_r ~atl~: to art' r, ~„ ut ,-su ,.;, bu ropce tv oil .arms a id u scnaa,;ls tcu dc:'urmirciny ine papa~en am~ur'ts JOINT ACCOUNTS - 4 th!t: s a ; 5,e:t ]cer,unt, c GI. c` yo;; i:; irriLvtJua!ly .,• J u,nay CREDIT tlidfT- We may, twt da not nave tv, ~,r.brsl~t a r.redit t: ,rt on c:r:na.n rsspr,.u:bie frr t.aym3 al ernor,rts u•.ti~sd. That =~tean~ w,: ca.. erl~rcc our rrgb±s St1baCCaunt5. li' a Crc-+dR !unit :5 SBI for a 5:aYdCC6Urtt, you promise nett to e.xCOad tree i under th0 P:Bn against any et*1t? ul ypu ~rtdlvK~ualiy or e,,,:ainat <,U ut you tcsgatt4•~c R you i sstablisttsd credit limit, it yeu exceed Ihs credit hrnn, you t)romSe to repay ~ grvs us inconsr`.tHnt instn:-~t~ons. u^s ten refuse to tolow your instructions Urtu3ss our [ tmmadiatsiy the amount which exceeds tea ere' d:t ;im•t. ~ writter, poky r >quires al ;f ya.t to srg.t for an advancit, each of you authcn2as the REPAYMENT -Ycu promise to repay all amounts yuu owe under rr,s Plan pii,s ! other(s) to obtnin advUndes :ntltvidua!iy and agrees to repay advances made td the j interest. Payrnanis are due an the last day of the month unle ,s we >st a diiterent day other(a?. Any Point arxounthnwer may terminate the Ptan by giving us prior wri±ten aC the time ai an advance. It the addendum has. nu payment sdhs~dure fora rratics. tf any of you terminate the Plan, tt«e Plate is terminated for a(I of you. You i subaCCOUnt, yaur payment wilt be determined at' the tii'ns of each advance. ~ remain Pablo individuaNy ar.d jointly 3cr aU adw<tnces inrurred befdrs termination. Payments must include any amount past des and any amn;int by wh^C't you have FEES AND CHARGES - Ii you gees us a security interest in certain r, pas of ~j exresdsd any craclit lima you have oesn given for a subaccaunt. You may ropey all ~ property, era may charge you a iilrny fee to porfect our mteeast in the property. 9t ws i ar part at what you owe at eery limo without any prepayment penalty C-von it you do, the amount of the fee will bs disclosed to you nt the lime you obtain an advance. t prepay, you wi!I stilt be required to make the rsgutany schedr~lsd payments urrlsss ~ We may else charge you other foes in canneclron with fha Pian. Our curront lees are we agree in wriring to a. change in the payment schaciule. If you wave a joint disclosed on the Addendum and wur ba added to your loan ba!anca unless you pay j sharedraft account, you wilt ba rasponsibfa for payutg as overdraft advances 4 them rn cash, obtathed by a joint holdtrr of too shatYrdratt account. Unless athervriss required by ( UPDATING CREDIT INFORMATIOtd -You promise that you wdl promptly give us i taw, payments will bo applied to amounts owed under the Pian, in the manner the I w,rittsn notice II you ma+rs, change ;roue Hams ar employment, ar if any other ! Credit Union chooses ~ I n our r u also a to PLAN ACCE8° v' ~ ~~.• *=n inlo^rm~al`arf you p'ovrded (;, us C to gee Upon aquast, ya ayes ,OU C:.t,. .. Cr°r"wt' h "/..°° ' ma n .7thr•r n i Yry aC II ~ ~ "tOrt^at'r tt '~ we allow yeu to use your ATM Debit card tp ac oss the Pl:sn, you m ry be i able. for too ~ Nro , ,.p...' ~ ^ '`^^ n; : ;; I DEFAULT -The following paragrapR applies to borrowers In 1daRo. Kansas, unauthorizstl use d your ATRA, Dstkt card. You wilt not b~. !table for unautlft rite<; a .; ! i mat occurs after you nottry us, orally or in writing. of the bss. theft, ar possrbls : Maine and South Carolina. You wui be in delauit it you do not make a payment' of unaufhorizao u:,e. it you bs6evs your ATMlDebit taro Has been lost ar ato rn. t.ts amount raquirar, ,nA'~en ,t ,s due. '!loo wilt also os in detau[t if ws believe .hs immediately intarrn the Credit UnrRn try tailing or v;rrting us at ehe telspnonc numt.^er nr ~ Prospect o payment, psrforrnancs, ar realizanun on any property given as security , ! address that appears esewhsrs in the Pian. If fns card s used td obtain unauthorirso ors s!gr>«ficantty Impaired advances dirst;tty from the Pian, your liabiiiry will not exceed 55rJ H the unauthorized The loflowfng paragraph applies only to borrowers In Wlsconsfn: 'tau will ba in j wrthdrawal is tram a sharsdrah account, your lability is gC-;ernc~ri by' ihs Rsgulauo' E ! oatauft it you tall In make a payment when due rwo times durng any 22 month disCtosures you racsiva;i at Lho lima you received your ATW'!vubsl card. ever it thi period You well ba in default rf breaking anyprom~se made under the Plan matsrally , withdrawal resorts in an advance being made from yc;ur overdraft subaccc;unt rnspa rs your ab=hty to repay what you owe or matehalry impairs tote cnnelitian va'ue, ! FINANCE CHARGE - Ths dollar amount you pay br money 6nnowsd s cahlsd a ', or proteChon at or our right in any property you gave as security. ~, 'Yrrance charge' and begins ort the dais of each advance. A finance charge wilt bo f The fodowing paragrnph applies only to borrowers in lows: Vau will be in ! computed separately !or eaoh separate txtlanc;e under the Pian, Td compute the l default if you are more man 1G days late !n making a payment. You °Nill also bs in i tinarrce charge, the unpaid haFance For each day sinco your Last payment for since default if you do not comply with the terms of the Ptah anal yaur failure to comply I an advance d you have not yet made a payment) Ys mulEiplisd by the app€icable daily ! materially impairs any property you gave as sacwi[y or your abiftty to repay what you ' ', perioctic rato. The sum of these amounts is the finance Charge owed. The balance ;owe under the P^;an. used to cornputa the finance Charge Fs the unpaid balance each day after payments The foNowing paragraph applies fo borrowers !n atl other stelae: You will ITS :n 'and credrts to that balance have been subtracted and any ariditians to the balance ~ default if you do oat make a payment of the amount regwrstl when it #s due. You wul II have bean made. In addition to interest, we may charge other finance charges which I he in default it you breetk any promise you made under me Plan or i! anyone is ,n ; ! era disclosed on the Addendum. N the interest rate is a vahabte interact rata, rtes ~ dsfaul. under any security agreement made in eonnaetion with an advance under Addendum explains how the variable intaresi rate vaarks. ~ Ups Plan.'Yau will Ge in dstault it you die, tits for bankruptcy, bocome insotvant, it you SECURITY -Vpu pledge as sscunty for tits Pian all shares and d;vitlsnds and, ~t any, ~ make any tales or misleatlfng statements in any credit application or update of credit ' all deposits and interest in sit joint and indrviduai atxdums you have with us now and rntormation, or ,f something happens we believe ntay substantially reduce your in trte future. It a specific dollar amount rs pk:dgatl for an advance, ws wul ireysrs R ability to repay wfiat you owe. You wul Ue in default d any property you have given shares in that account to the extent of the auts~tanding balance for the advance. '~ us as security is repossessed by sameons ales, seized order a forfeiture or Srmilar Otherwise, your pledged shares may be wrthdrawn unless you are in default. The f law, or !f anything stns happens that siyni!icantly aflects the vales of rho property or ' following paragraph applies in all states except 1o- Ohio, Rhode Island and j our security interest rn it Ycu will <dso be in d+alaWt under Its Plan if you are in default : Massachusetts: We have a statutory liar, nn tt:e shares and dividends and.. if any. mo I under any other ;Den agreement wvith i,5. , deposits and interest in at! indrvidua) and joint accounts you have with us and may ~ ACTIONS AFTER DEFAULT -The following paragraph applies to borrowers In exercise ear rights under the lien to the extent permatsd by state !aw. (Wa are state ! Colorado, District of Columbia, Iowa. Kansas, Maine, Masaaehusefta, Missouri, chartered it our name does net inGude the term 'Federal (~radit Unicm') For all Nebraska, South Carolina and West Ylrglnfa: 1Vhsn you are in datault and after borrowers:The statutory lien and/or your pledge will allow us to apply the funds ~ expiration of any right you have under apptrable stars law to cure your default. ws Can in your account(s) to what you owe when you are in default. The statutory lien an.h ,-rY, 1 ycwr pledge da not app:y to any IndivWual Nsnrament Ar~oure ar any o her ai.:of:nt ' demurd immec, a paymem of the entire unpaid talents under the Pian without '. yiving you advdr e noV,ce that would lose special tax 2reatrnant under ,date or 'adsral law tt given as c ;rut' ' Additions! security for the Plan may ixr req,;:rsd at the urns of an ud anue. It a ', The following paragraph applies fo borrowers in aN other slates except LYlsconsin and Loulslana >Vten yon are :n Default, ore can tsqu,rc immediate payment ubaccount identifies a type o. prapsrty !such as `New Cars') you must gene thzit taxo=erato~n) of th , entire „npa!c balance under the Plan You waive 8ny ngh[ you have yPe of property as ::ecunty vrnan you get an advance under that Subaocou'it a to demand tnr f meant, notice of intent to accelerate and nat!ce of acceteranon I subaccount carne such as "Other Secured" mear:5 you mutt provide ssarnry p` y acasptaoie to us when you obtain an advance under that subaccn:;nt. Propary you The following paragraphs apply to borrowers in al! states excepfWlsconsln and 1 give as securty wJt secure all amounts owed ender the Plan and all o;ne~r loans you Louisiana: IF in medi:;te p~yme^,+ ie demanded. yno evil! aonCnus to pay interest until have wdh US now Cr in the iuture, sxrept any Ictefn sc,:Ure£1 by your pnncPa U,var!iny. what you ~:ve h'; 0~?n rep_nn at th,. apPr~rablc rtarPb= r;;tes in e}tact pr, if applicable - PrC^perty sec_~rhig other'aans you ^tave win us may also secure tr;e. P+an LQANLIVER Crt c d .rnr7 c~ r. r.ty Cre J;t Ayr~c,! rvrt rc. r tl. r,ca; : .. , Yip.. ,;.)' .P.. _,_.. .. -., .._.,_'t~/, ,r ;... ... .. .'r ~i .. .., ... t ... ,. :. a . ,. 1• . ~ ,,,-~o ri r.i,c ,_ :rpr y ,<. a m"~.: :..r,. , ar ,. ,; a'. r , ...- ,~nn _~ .ey ,_r a' , :::: G:c .'_:~~:;,rr .r,:,,: J :.::.•_f ..~ d ,; i.., _. : ~. :{rr. ;: ;:taco t ,.;,ty~., .n._ .Za r:<.ar ..rr .a ,, .'a a ,.. ,, ,,i„ .. r; try 1 r~:'.._::i tl ct t..r„~i rty ~...... a, ,v:G ' ,.. ..1 ~['.,r d .:Jar:: .4`er ..v 'rr~•e (-,;•5,..3s,G~t of .re pr=pert, ti:r- ;.::n .,,..: t <, .. , by ._e r , ,ray ..•; _tr; a..rn;rtt,yaL,...BLS'.,..,=•'g~ayen~nehceo'anr .u:-1;,, •,io :, .a;;.,. :°.h~, ,a ;ca a ,; t,atu di,.po.;n:,r. sv t.c ';r i i. O..r cep<. ,:.> `ur t i , a u.,~sc ,> nr ;~! 4.., !,,•,., t :. pn.~t•rty :. 7,! hs a~ -urtrd Fr,; n Lte n:o ; j r.,c;:•ive;:'rorr thL .. c. ..tr m..r~ include tr_ L,~t f,4 ran, y tai , ro, r:rt'r t.rtp.,,ring c':-r ;.1 e and at?~~•ney.~ fees to tr,e extant purmirad u .:or s'att a..:u a.:.i+~r:d LndLr t~'ra 13r:nkrLt,`Ca ~•o:W ya-: crust pay t:ny ~a riot„t net rerrtalea ur.,.n+c ; rli .r,c salt' >•.r:y hits been ti;,Hh "J to a!~y ua,ra,d hate +.:.c ,,. ,ice t',a F';a~; }ou agree ? ,;ay ~.tr~•rL; un that a~nyunt ai ,h,~ sa.^te rate ,>., ;+te advance. ar, r} 'pp?a:,r.nr, .:I.tr,e co4surt r:rte d,s:.osad ;n [ Addendum, ,ctrl ;is;xt amount has Ik~an paay Tha following parag%ph applies only to Wrsronsin borrowers: ''Nnan you acs to J6t:?uil a,.d sitar ex,p:raron of a,,ny right you ';ave. a+uier apps>c;,hie slate law tec.re your default wa may rsqu,re immediate payment o1 your ou'stanuhtg town baiarta urrctar th:e Ptar: and leak passassirxt of praperty given as 5ecuriy. ti;nu may va'ur,tarly givs ttia property to us it you dhoose, ar wa may seek to tike t,,ossess?on of the property by Itld~ial process. 1f we repossess the property: }^Cru s3rss to pay reasonable expanses ineurrsd m disposing of Ins proporty tF the prepsrry is a rna;or vohiCle, moo+le home, trailer, snry,vmabile, boat or aircraft, you wilt also be required ro pay any costs permitteJ by Sechgn 422.413 cf the Wisconsin Statutes. You rust pay any anaaunt that rern~us unpaid attar trra sale money has been applied to v r;ai you ov.e urxter the Plan.. Yau agree to pay u;usrast on any unpaid amount at the sarrre rata as tare advancs, ;,r, it -: apptiCabta, at the daf~9trlt rate diSClosetl an the Adder?dam, until tn39 arno:rnt is paid. I tf the property is ta.:ated avtsids Wisconsin at the rims at default. we may take possaasian at the property w2twut lud'ielal process, it p+:rm,rtao by the state whets the praperty is locatsd. j The following paragraph appl®s only fo Louisiana borrowers: t^lhan you arc in default, ere can require immediate payment ~accelsralionj of she enure unpaid hatance under th9 Plan. You w°arve any right you Nava tc demand for payment notice i. af. irotant to accaterata and natics of acxslerauon. II tm.naciiats payment is ~ demanded, you will continue to pay interest un.td what you owe has been repaid at tars applicable interest rotas ,n affect trnlass a default rata is dlsclosad on fns Addendum. if a demand far ,mmedlale payment has been matle. She shares and deposits giver, as secuny tar the Plan can be applied towsrris weal you owe +A'a can also exercise any other rights given by taw ~.vhen gnu <rre in default and our rights under any security agreements you have with us !CANCELLING OR CHANGING 7HE PLAN -The fo/fowrng paragraph applies only fo borrowers In sonar: Wa have the rtyt:t to change the terms dt the Ptan born time to time slier gunny you any advance notice rsquirsd by law. Any cnanga to iha ,rifer=st rata ar other charges will apply tc futuro advances. The talowing paragraph applies only to borrowors !n Wiscansln: We can ehanya the terms of me Plan from rims to time in accordanes with Section a22At 5 of tC+a Wisconsin Statutes. You wits ba notitiad of any change ,n terms. An Increase in iha daily periodic rats under a variatrle rata interest rate rs oat considered a change to terms under ttta Plan. We can cancel the antics Ptan or any part of the Plan at any time. Yoe may cancel the Plan ar any tune by giving us prior wrihen nano. Year obligation to pay th6 unpaid balances under the farms of the Plan continues whettrer you ar the credit union cancel the Plan, except to the extant [hat your Ilaoriny s IimRad by Ssctian 422.41 55 of the :Vlscars,n Statutes. The /ollowing paragraph appfierr only to borrowers in Iowa: 4ks can changs iha terms of fns Pian from tune to Arne after giving you any advance nonce required by taw. A chartye that increases the rata of rinance cnarys or other charge, that increases the amount of your payments. or that otherwise adversa!y affects existing balances w,li apply to existing balances only ii you agree to the change ar you use fns Pfan after receiving riches that your use of the Plan means you agree the change applies to axlsfing balances. The totlowrng paragraph applies to borrowers in at! other states: 4Me navo tits right to chany^e the farms of the Plan from lime to time attar giving you any advance notice required by law. Any change .n the interest rate w!if apply to future advances, and at our ;:is::rehon and sub)ect to a^y reyuiremants of applicable law, will also apply to unpaid balances. Tha totlowrng parser»ph applies to alt but Wisconsin harrowers: An ~ncraasa rn tl•e daily periodic rate under a variable interest rate is sot considered a changs ut terms uc„ar tna F'ian. We can ,:ancal the critics Pian or any part of tits Plan at arty dine, You may eeriest T,a Plan at ony time ay givrng us prior written notice. Your ooligation ro pay the unpaid batancss under fns terms of tna P:an cbntinass wnetrer you or the Credit Unran canes! the Plan. DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN - L'1s Ce^ de'.ay enforcing any of qur riy'••s uacer iha Plan any nu-r~ber of :irr,~?s w'th:,art losing tt?e CC1fdTItJUEO EFFEC IiVEtJESS • - I' :,. r : ~ I _ , ... r:1 t~. .r' .:~ ri~ ,. .r ...... .. ... ,..._ ,. I.OiICE OUtAH60RROvVERS :.r ,. ,'nc rorlclsvnq !s ieyurrer9 .hy Verrnun( law ' -NOTICE TO CO-SIGNER -YOUR SIGNATURE ON THIS fJDTE MEANS TiiAT YOU ARE EQUALLY LIABLE FOR REPAYft1ENT OF THIS LOAN. tF THE BORROWER ODES tJOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. The toilawing paragraphs apply it you give security in connection with an advance under the Plan. They apply to borrowers in ail states except Louisiana. ' Louisiana borrowers vritl execute a separate sscurily agreement. Borrowers in ' othor states may also be asked to execute a separate security agreement. THE SECURITY FOR THE PLAN -- 'rest n ,, r,h ., ,., .,..., as v sec'.In?y , ~ ;o!eraSt -.n alt ~r;per',y fescnbetl In any taco{^~ +.~.:_:rsr a orYitr r:xur.',3nr you I reCai~. i.. r„f an e3 J'. :4r."e 1 c ra'~:~a L. ,. .'"e Sa,: ur:[~ , ,~ J F. .t }'~::J -.l rr.::'!uda., %Ili ~'.. cce,;iors Ac a..si.: ns .,.c , iu gs .. .,h ,. ~ ,.t,ch-,4 .v in...<: ud in the prot•e!rty ' now ar in !!::a. cetera- Tt , Srcir:dy n,uras:~a: ..nviud.._ ~.;try r7pls~emeris tar Vie prcparty vr!t.ch .~„ ti.v r.ur,ir, t; i.;}." =r tr•. nT..ruf < r ,_ny !-;:ens,or,s, ranev.~als cr rahnanc'ing at tti9 Anvar-,e. ti ;"tIG~ !nC.IUC•aS flog f?t!7 tr?•y you raCarra frUm SOI!:ng ~. j the per?pr.rty ar troth ,r=sarar.,u you na.'a r. ~ the ,;raparty. Ir the value of file property ~~: ' declines, you liromisa to gyve us triers property as sc~cunty d asl,eU to do sd. 'i WHA7TtfE SECURITY INTEREST COVERSfCROSS COLLATERAL PROVISIONS I - Ttte security .ntorsst secures the Advance dr+scribau i? rte rc~aipt, vauchpr or any ~ ~! Utttar d(x;tyfnent yGU re:;ellro at the lima Ot the Ar1VanCe all,7 arty axle-, n.4i0rIS, renewals ar rstirancings c` the Advance. It also secures any other advanrxs you have now ~ or receive In the future under the Plan and any ofhar amounts or loans, I ` including any credit card loan, you owe us far any reason new or in the future, I except any Ioan secured by your principal restdenca. tf the praperty is nousanold ! yaads as daftnad oy the Fadarat 'tads Commission Credit Prarticas Rule, fns ` prcparty evict secure only iha Ad^rance and not ott~ar amounts you owa- OWNERSHIP OF THE PROPERTY -Yau prdmiss lost you own all property you give as security or it the Advance is tv buy the nraparty, you promise you will use f I iha rldvancs for that purpasa. You promise that no one else has any interest in ar claim against the prvpsrty that you nave not already told us about. Yau premise net ! fa Sail or lasso the properly or to use it ai5 sacuriry rot a Ioan into anpthsr crsdncr urthl the Advance is rspaid.'fau prarnsa you welt allow na other security iniarast or .I t Tian to attach to the praperty archer by your acuons ar by oparst:an at law. I PROPERTY INSURANCE, TAXES AND FEES -Yau must nta:matn prcparty .{ ursuranca nn sit property that you give as securry underr rho PYan Yau rosy purchase ~ rho properly insurance Intm aayona 'you shoes wore is acaeptab!e to the Credit ! Union. The amount and coverage of u,s prcparty insurance must be arroeptabre to ~: us. You may provide the property tr:5uranca thrattgh a policy you already nave, or i through a policy you get :and pay tor. Yau pramisa to make the insurance troliry 'r peyab[e to us and to deliver the policy ar proof of caveraye to u:-; i1 asked to do so. ' if you cancel your insurance and gst a refund, wo have a right to the refund. I! the I praperty is VoSt Or darnagsd, we can use the ~rtsurance Sahlamant to repair the f property or apply it towards what you crwa. Yau authorize us to endorse any draft or fl ehaak which may be payable to you in order far us to coltcet any refund or benefits i =bee under your insurance pc,ticy. You also pramisa to pay all taxes and lass (like reyisirahon tees, due an me praperty. If you da not pay tho taxis ar lees on the prcparty whin due or keep rt colored, wa may ' coy mesa obligations, but ws are not rsyuired to do sa. Any money ws spend tar texas, teas or insunrnca w4i ba added to the unpaid hatance of the advance and yrnr wilt pay :merest on those amounts at use Barns rate you aycead to pay on t*re advahca. Ws may racaivs payments rn connection with the. insurance from a company wt€icyt provides the rnsurancs. LNe may manrtar a[rr loans hx iha purpasa of dr.~9ennining wnathar you and otnar harrowers have rx',mpt:ed with the insurance rsqurrament5 ai our loan ayreamants or may sngage others to da srr Tna rnsuranca charge added to an advance may include { t) the insurance companys payments to us ono (2) Ute cost of detarmuting OOrrtplianCa whit the rnsuranca requirements. If wa add amounts for texas, teas or rnsuranca to the unpaid txatance dt an advanr:e, we may increase your payments to stay the amount added within the Term at the msuranro or approximate tens of ms advanco INSURANCE NOTICE If you do not purchase the raqutrad i:?rcparty insurance. the inSUranaa r°ra may purchase and charge you for will cavar arr~.y our utlarast . [tic ~, property. The prsmiwn for this insurance rosy ba higher trscause the rnsuranca company rosy nave given us the rigm to purchase insurance shat wtinscred ~ coliataral is lost ar damaged. The insurance will not be tlability insurance and ! ', will not satisfy any state financial responsibiilty or no fault taws. j PROTECTING THE SECURITY INTEREST - If your state issues a t,re for U?s properly, you promise [a have our security inlarest shown an to<. title. We may havo f ! rC tits what s Failed a }in8n sing Stale m[?r7t to protect but Security interest tram the ~ '; claims of others If asked [0 do sa, you promise to sign a tinancvtg statement You 31Sa wfami5a Ia d0 Wha?ever else we '. h:nk iS neCCSSary to f'rutf'Ct aUr SaCUfity !nl©rest .n the proporty You promise fo pay all Celts rnciuCing C1ul not !utirtEl7 t.^. any auerney fo.~s, H~ :nor in protecting a-ur e;cc.,n ; urarest and rights ,n ^'e property, :0 ll r txle!~il t)c,.^nrttfd b4 SnDliCdt)IB Ifiw, LU.',N_LI!_FR_Cn°a,' artr7 $rr:.nt}_Cre rrt,agrcr•n,cnr ;enn:::!uee'1 USE OF PROPERTY - L,' ;.,r;: r.;ii t: ::;:.: ~. ., :: , c ti:.:.._' .. i ,r::: .t .. rat, ; , ~: r ...ar;~ : ,, , 5;@r. ', t i.,... +,.,... ,,_ , . -:%Ct y i.r 3;ry -. l:':':, , r r..,_.. i ~ 1 .., 1.: ri:t' . NOTICE TU TOR"fH L`AKOTA BORROI'yERS PURCHASING A h50TOR L'EH!CLE - >rtF f~cT~+f+ r_r ic~r. l.' Ti;tJ rrta•:~~t I~;r: r.: E:i~ s.rL:ct rF+.,;`..` t_ a.(:Ir. IF ft IS EPOS FS:iEC, :,r.'..~ :iv., u ;,f,f:'.Lvt'E ::.i..5; :7 h. J ALA 'r l:"iu h;i5 ti.: .' 1';~ Ti-iF ,t_ JR'D F.'•iii ~ iii r to C:. _. i{c r:lv. r' ;t.: ~: -}..'., ~ _~ .•,.iW it !-i;'-:'ve -t0 Pr'.'r rL iilr'r~l ~tf~,„~ _ NOTICE FOR ARIZONA OWNERS OF PROPERTY - !'.:e; ~~ i,':a.'.,i 1~.r yo:: i:, _. to rrtw f n ;,.,. !oia U ;i settee t t .....r o,re,; r,tv, r n . ry d..,., ;;hut _,., ~ rt.., _., o,,,.c ril i:'•':,uh Tn wt.cc, .. _, n.'e~ _ r i. 'f . 11rc. , f~l a us It is yc:.,r f<r-,.td;*;'~;~ to nc.rify ,.t d'yat.r i!.irz'ss t ; trig" r rn .,rrt ,r.i I Th;s n;,.;_,, cunfaL~s 'mrorar r Informal on about yu,;r rig a5 a:nd our re~Sponsla+4ue_ ur cftt the Fair CrE.:.t. Bilk+tg het. You ar¢ adwsed to read ycNur mfyntL y Ktttc;:nf:'et a OL' F¢viaW It 'pr F1r,y erlor 715Ciapa RCi¢S ar UnaUfrlatlZeti transElChan S, NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STgTEMENT.lt you think your saalenrent is wrong, or if you need more information ! about a transaction an your statement, write us on a separate sheet at the adyress listed on your stafamant. Yau ere requir¢d to natity us in 'writing within fiU days follemng Ina dais an vrhiCh we sort your statement wherein the error ar problem first appeared r¢yerding any orvecrepancy or unauthon.zad transactions an your account. Failure to notify us may result in your acceptance ct any respansib,iity tar paynt¢ni ar reimbursement to us far any such enrlr br discr¢pancy an your aC4aunt. Y~'rtia to us a5 s;7on as possible. You can !alephona us b'ur doing so win no! preserve your rights. rn your fetter, glue us the following information. ' Your name and account number. ` Tt;e !loiter amount of the suspected error. ` Describe the error and explain, if you can, wny you bali¢ve irrera is an :star :` y"v'4 need n'~ to ;nta,,,,m,.n , dfS... w4 ,, ,..:..,,, 'yL`,..., ...,.,. ..... ,. 'i`U..,. it yott havo authorized uS to pay a Credit card account automatically from yotn shard ~' account or checking ecreunt. you can stop the paym¢rn Cn any amtaunt you think is - wrong, To slap rho payment yow letter ntusl reach us three busirt¢ss days before ihu automatic payment is sotteduiad to occur. YOUR RIGHTS AND OUR RESPONSI9tLITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE - We must aokrtowiedga your l¢ttar within 3U days, unless wF; have cdrrectad the error by than wimin 90 days, wa must either correct rho error nr explain wny wa tt¢tigv¢ ma statement was correct. _ t s,tE•i,,Tp, For those members who purchase a vehicle under the DRIVe Program, I~lease review the following FTC Notice: NOTICE ANY HOLDER OF THIS CONSUh9ER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES V'JHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERYWEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. I Ayer ,:e roceivu yow laic ,;~_ c:irnot try to cu ~.u an>' rnn,^.c•!t you q.uu•stwn. or rfrport emu' as ,~Gnqu.nt. wa can tont,nue to so-ter s.i,i,rt :rts to you 'or t*;o amount you . goes un, including hr'k~neo ::argas r he c~ n pty any unr ntd emau t again t your I i crad!t limst. YOU ~~ nU! r:avV tD p2y any ':~UQShonft.} a!TipUnt v,1711e 'wa ,rf¢ iIR'f~ShyufnrJ, I t but you are still ahligat¢d tc pay the parts rf ya n state;mwnt that aye ncl in taua.;t:cn, lr wa find that we made a mistake ~? your st;itemant, yar wa not have to pay ,any ~ finance charges ralat¢d to any qua ;ianed amount. If wr didn't make a mistake you may have to pay finance charges, find you wr6l itava to make up any missetl :- i payments on Sha quastionetl amount, !n oitftar Casa, •,ve will sand you a statement of tlta amount ycu owe and the date t'~<at_ it ~s due. If you taH to pay rho ar-tount that we irnr4k you U',va, vie may reryart you as dannquant. tawever, if our eaplanatian fioos not satisfy you and you write to us wanin ten days t¢Iling us that ycu srlll rotuse to pay, wa must Zell anyono wo report you to that you have a question about your statement. And, we musi tali you the name of anyone i we reported you to. we must teU anyone w¢ report you to that the metier has bean I I s¢ttlad between us wtt¢n it tin~lty is. i tf wa diln't t;dfow theSO rules, YYa Can'i f:aBeGl the first S5(',1 6f rho qua+:Cfrrlad arnn.lnl, , ! even if your statement was correct. SPEGIAL RULE FOR CREDtT CARD PURCHASES - I! yofr have a proalem with . the quality o! property or services that you purcnased wuh a Cradd card, and you C have N+ed in good faith to correct rho problem witn the marchar~t, you may have the I right not to pay the remaining amount due cn the property or services. Thera ar¢ two r Ilroliatians on this right: (a) You must nave made the purche ~e in your hwna slate ar, if net within yocr home state. wthin 100 miles of yow cwrant mailing address; and ` {;b) The purchase price must havo !>aarT more than $50 '; Tn¢se limitations dd not apply i1 w¢ awn ar operate the march&nt, or if we mailed '., you the advertisemanr for ttr¢ property w services. in mss Agreement. the wads you and your mans oath and all of those who apply ~ Line only M written application tc us. whkh must ba approved by our credit committao ' for the ~trd w who signs this Agreement.-Card means ma Visa Credit Card and any I or loan officer By giving you written notice we may reduc¢ your Credit Line tram Irma duplicates and renewals we issue. Account means your V"rsa Credo Card Line of to time, or wrlh good Cause. revoke your card and terminate this Agreement. Goal ! Credit aCaUUnt with us We, us, antl Cure means tfis Cradd Union ~ cause inrluda5 your failure to comply with this Agr¢¢mant or any other agreemenf with 'p. 1. RE5PONSiBIL1TY - If we +ssue you a card, you agree to repay all debts and rho ' us, or our adverse reevaluation of yrur Gradfiwarthinass. Yau may also terminate this i Finance Charge arisrng from 4na use of Ina card and ih© card aaourt. For example, ', Agreement at any ume, but t¢rminahon by either of us does not affect your obligation you are rasponsibi¢ fpr Charges made by yourse!t, your spouse and minor children. ! is Pay the account balance. , You are else respbnsibre for charges made b7' anyone also to ivhorn yvu give the ~ 5. CREOI7' INFORMATION -You authoriz¢ us to investugate yow credit standing ! card. and this r¢spcnstbility continues until inn card is recovered. You carn,^.t dtsctaim when opening, renewing or revi¢vring your account, and you authorize us to disCiase rasponsibllity by notifying us, but we will dose the account for new transactions it you . Information r¢gc~rdtrtg your arcount to credit bureaus and other craditcrs who inquire so request and return aH cards. Ycwr obl'rgaucn io pay the account balance continues ~ of us about your credit. Standing. even though an agreemenf, divorce dacr¢¢ or othi+r court judgment to which wa arc ': 6. MONTHLY PAYMENT - we will matl you a Stfltarnent avpry month shaw+ng your '~ not a party may direct you or one of ma other parsons rasponsibi¢ to pay the account. ( previous Balanc¢s of purchases and cash advances, ztie Curianl trart&'tetbns on your The cards r¢main our property and yar must raacwar antl surrender to ~,;s all cares f account, the remaining aratlif avdilat~e under your Credit Lne, the Neer BafanCa5 at upon ow request and upon temTinatian Gt th!s Agreement I purchases and cash advances, the Taal flew Balance. iha Finance Cnarga due to date. `` 2. LOST CARD NOTIFiCATION - ft you believe the card has been lost or stolen, i and any other btlled fees, anr, rite Minimum Payment required. Ev'ary month you must pay you will immedlatety call the Credit Umm~ at (717) 23~-8484 or ; 80f?) 237.7328- Attor ~ at least the Minimum Payment within 25 days or. your statement dosing date. By s¢~rate hours call (800) 556•:,&78 ! agreement you may autrux;ze us Ia charge the m!nimum payment automatlCdisy to your ~ share or chacacing acCOUrr wi,n us. You may, of course, pay mere irequerttly, pay more 3. LIABILITY FOR UNAUTHORrZED USE - You a ;reu to notrry us ,.nrneolatety; era y I titan ire Minimum Payment yr pay the Total hew Bnianca oT lug and you will reduce the ar !n writing or Cte bss. theft or unattdtOn7ad use at ,our GrfKfr[ Card. You 'rtay th' I+at;ra ~;anc., ~I.arye by going so. If your martTtiy paymc,nt ex;,eeds Inc total crcKid lin¢ ba,nnce :. for tiro unauthorzed use at your Credit Card. Yau wi+I dot tx i,a"na for anauthorizad u -;, i Nrtd ~„'E wdl c'r,o"r;aACally ,,ost the credo to your S1 srttsras that occurs alter ~rou notify us of the bss, theft, dr txnssnue unauth r; etd'use You w,11 hart i The rnlrnmurn payment war x. !a) 2'b of your Tcta! New t3atance, rounded up to me no t4dyilrry tar unauthorized pwchases made. wnh your .,redo far l...nlasg you are gross , next even dollar zx tb) 520 00 w'nechever is greater. In adddrn. at any time your Total negligent in the handtrng of your Card. !n any caste, your lialriiry rift not exceed 55'0. j r;aw 6alancv Qxceacls your Credrt Line, you must imrr,adiatery pay me e>'eass upon our 4. CREDIT LINE - If we approve your appfiraGan, wu w!I e,tabiis!t a seat ! demand 1tie vni; apply p..ymens ut the tal'awt +0 manner. first tc previous taro +oas. rep!en+sh!ng Lina of Cradd Ier you antl notify you at rtS amo nt wh.¢n we rssue the I ;!tun prEV:ous cash advances thence charge=,. then to previous purohasa firarTCe card. You agree not t~ let the account balance [XCced this af3pt:+ved Credit Lint. Ei;C.^ ~ C^argns, then to Current tale lev^5. then iG prBVi6uS Cc5h advance b3'.9hCC5, IhFn f0 paymont you make art the account wall restate your Crecidt Ltnr by tn-, amaur;t cf iha ~ prev!o~s. purchase baances in the year that th¢y were postab to your account, :non ' paymerd wh!ch i5 app6f>tl to the pnncipaL'you ^:ay request ar. 'n.rease :r. your Crad:t ', [~ current cash aUVanc=; b iian~.>s, an'1 loon !o c,uran! pure:ass balances. •:.c i Vis:Y W~'uir Card tgr'cnu nt rnrf Tr,rtit bt Lcnarrg Dig I.surt~ (, on 4n:.rsi) i . FINANCE CHARGES - • :.:._. .. ..i ~:. r . ~.:::..: ,r,.' ;:.~. ...... to 'e ..o~.,... r~_.,r ._.....,.. Purchases: l';_,.._.....i;y..:r1.--'r•,,. i:_ _, P:, ..r_ ,.r~i: ., .. ., ..-.. _ • .'.ri i :',. ::1.,G .''c .{,.V..::it1 be:.,... 1, 1 r.l... ~: ! .... ,.':; r::l i:+'.r.. ..`: 'I c: .1'-~:1 - ny C~;i ;;ter ai;......, :a, •. .i,.-.,r..,.., ;; ANNUAL PERCENTAGE RATE J, .. , ,~ ~ .... _,i.r:m Cash Advances. eJ. .:.:!: ,;t„c ,our In,.•:-:i ct<u c_;`r .: r,.' u ,.,:•et};:r ,::I,'1!j V r. .::n~ .'jC!L' trr t'llt !• i r .:c'rl .. v:t::ir 1 ••e: , 1 :i..esp~ndin, ANNUAL PERCENTAGE RATE .+; ,Y..~ .<e_ r' era ri ,.~ .... Balance Computation twtethod .. _~.1:'} .a.,rtca r::: Pu isey h~ =rvcr.:gr_' a6y c,t.u-co:,' Pt.l,la;,, r<, 3:r,t _ts :'. :a,.l .._~a by 2~L.,.:~ 1 +, ,t~,i;y (i,tigtu.;_ ~:r'br~ a.u ;'r ,. _actan, ia• r. ~ Uuy is tau b:,mg cycle, and rasa u~'irfin;l .v the •tur,~~ber v? Say, i Ih~ b4liir,;T ,,:,a. `:n ,. ,',__.~,rr the U~ily Halar:ca far p~rC ".a3.S each (lay. .10 tCinG I-.,, Ic1;tC:Un i~ t-.:s.1J>: tai.c tt,e ..,l.,.uTdi'^~g bd!ancr ialt arnvurts yair owe) ar the sti.rt of •~;.T-; y. T'rr,~=n, in !hv :;aquarca :n which <Irncunts are Futsted tl. your account, we a:,d the a:t, :ants u. of eaC;:_ ana sub;raci the ~unvucts pt a'I credos of pil'ymsnts vvh'iG} { r, ,i o your account t~.at Gay. A,'ir:r a`t7ptyfny paynlu .,; and credits, we subtract rf , amount pit any 'unpaid F:.nance L;harges pr Late Ch,rrges Then we altio si,brract !h,: ampunf of any Cash Advrar.0e transactions that posted to your account et, that day or in any previous day .n the bitv:g oyes. Trs yrv~5•s us the Daly C3aiarca ktr purcr,ases. avtx'age Dar!?y E3atancra r,;rr G~;sr; Adtr3rtco3-Ca:~h Advar^ce'sanfJanLU:s wrn%h a. pasted t0 your accaunt are not :nyudixi i-: tr,a •4wtrage Daily 8alartec~ a .u aton tar purchase, and are therefore not srttrject to the montltsy pericx3lc rate for purcrtases. t-he Average Gaily balance; ':s CaiCLiated separately tar Cash Advances antl rs suoJaci to the Cash Advanos Iv!ttrtthly Penodh: Rate. Tha Averlgv Dairy 6aiance for Cash TransacTivn; is caicutated by adding tno Deify Batancos (Cash Transactron) tar each day in the bithny Cycty. arxi then divbing t7y dtv number of days in the oitliny cycle. To CalCwlate the Daily balance fur cash each day, we take d•,a fotidwtrtg steps: We take the outstanding balance (all ann;ur?ts 'emu owel at the start of the day. Than, in the sequence in whwh amvunis arc posted t0 yoilr a~rounL We add d10 HmpU7ltS Of all debits and SUblraCt ate amOUnrs of all credi?s w payment, xhiph post tv your au~rlunt that day After applying payments and credits, we subtract the amount of any unpaid Finance Cnargas ar Late Charges inen We also SuGEtaCI lna i1rnCUnl d! any YUfCnasa !rdnSadtiorlS mat poslao If: yi)lrr accrrurrt on that day or in any prev~us day in the trilling cycle. This gives us the Daily Balance br Ca::h Advart0a Transacttnns. Note: Cash Advances are always sub)ect to finance charges and from the day they ere posted to your accaunt. Payments are appl,atl in the following manner: firs! to precious is?r> tees, hen to prr*ripus cash advance, finance Gsargos, than to prevous purchase f}rzance charges, that. to current late fees, then to previous Cash advanco balances; then to previous purchase traiances 9n rrrv eider that they were posted ?v your account, their to current cash advance balances, and that, tv current purchase balaricas. Credos are applied first fo the particular type of debt vrhich is being credited.. if any. and then to the batanca of your account. Nova also ihaE if the total of this payments and ctetlits which aro posted to yv'ur account oy the Payment Due Oate shown on a statement is e+aual tv yr exceeds the New tiatance spawn an that statement, we wifi not apply the Monthly Period+c Rate tv your A,rcount on your Wax; statement. 8. DEFAULT-You will ba in default if you fat t0 make any Minimum Payment within 2S days after your monthly statement Cfasing data. Vou authvriza us to transfer funds suffiCiertt to make the ntsnimum payment due if your VPSa loan !s in detautt You wit! also De .n default if ypur ability Co repay us is maienatiy reduced by a change in your employment, an increase m yaur obtigativns, bankruptcy or insolvency proceedings im'oh,^ing you, ylwr dealt: dr your ftilurv to abide by this Agreement, or !f vw vaWe of our securry rnrerest nratanatly dechnas. Wa have fhe right to .!emend immediate payment at your tuft account balance t` you cefaul?, sudjeCt to our givJng you any notice required by taw. Tp the extent permitted by law, you will ,rise pct required tp paly our cctilaction azpanses, ;nciuiliny court Costs env raasonab~e atron,ey fees. 9. USING THE CARD - To make a purchase or cash advance. theta are ?wv alternative procedures to the foflawvd. One rs for ynu to present the r and to a participating Visa plan merchant, yr another financial institution, and sign [he sales or cash advance draft which will be :mpttn!ed 'w'ith your card, Thv other is to cun;plete t`ta transaC6vn by usiny -your Parsvnal Identificafron Numtx,r ~P1rJ; in conlunchon ~a•ith the :,aro in an ActomatedTeller Machine pr o!h.er type of aiectran;c tarm:nal that pravidas access tc the Visa system. Yvu agree drat yvu will no! use your card ter any transactor inat rs tlte,a' under applicerble fedamt, state. or ;Deal taw The monthly statement will id~nufy iha merchant, electronic terrn~nat ur financial nsUtuGVn at whMn t.'a nSAClicnS wc'rC' made. Dal sale, cash ACV:utGe, Credit Or r, r!tUf 4i ps CFJTJ! ~~, l ,, .,-, r. _ ., , .. t0. O~JERUIiAFi (.`FTION - I` , .....::, 4 . t, <:r.-.r, ,. yo,:r ~ .,. .,-.; :, r ~r•:al: - .. u~ ,... _ .,_. ., ay -.. , ... +!-. r; ::rte: .,nt,t ,: i :. ^r:ra.- .:.rt:....~ .;}; •p.; 'i : is t _ ~,s:::_i , rlc . _ ... _.. ...,. : r . r .,~ f ,LC.,J . +::•ex:r. 1 t. RETURNS AND ADJUSTLtENTS - L' : ~ ;n~.. r 1 irrs ' I : „rxl c.,rr: -.:.~ ,t' c•c.'.. 'cr i,-....,r :u:~. ?. I,::, r,::.:! . -_I , ,r~r .,, ~.f:; ~~ y ~n7 -_ ', •'Jr _ I ',::n r.l r'.. .. ,~ , ,.... ,.. , '..I al .'I 'li;. '-ti.tr );, l' .. 12. FOREIGN TRANSACTIONS - ~~ta r. [r ' r:Jv' r te. _a.L.•:'r / .,:: trari :.'•br} C~rrr.. :y a^d If e t'ili:r~ curt .rcy ~... ~ I~::r prorc :I,iy ~r,!arr r: :,,n,:Lr er. ..air, ~~; iS a rare i .x!Ict. -i7 hr ~'+ Sn .'...RI tt'~ ~ ra:':JC Jr 1 115 0 ,rv i" 2Ab t :.i i::' r'5a:i? GUri[Jl..: ;i'Y5;5 fGr th:'? ! afire'„_ble ~ehtrai Pr; ;ens .J ef,ii~ v,hu~F: ra.~ ,}ay vary irprr. ,:u rate Vi>rr +!4att '. ru':a,!r'.,,.:ray aer.:'t.n nauat+_:, .. :.ne,t~,:,rlrJ.; „}.,/:.,iL'trc oral;:rccersing ' I ~ JEt1r/- :r ua<;!: r _,ur..., art a .lu3h"r: r: r.l ay Ge ,t. „ s.;:. ~ .,,d .;d o ~, a i. ISA lea impc>ed ~ by V,,..i T.~i; '.v..ti r.~:,.rt t ,,:,IS 5-. (N v',e '.re!t.,d_°i6n a'nGu'it, vni~. da a..~.,es=dC1 r,r a! f trar„i!~ticu~,s v.r+t:ra t+:.: marr:nan! c~, .,ry crihers ?rv:r. the _::,.rrry.+f ua card issuer i 13 SPECIAL RULES FOR VISA PURCHASES - tf y ]is ;r~ r n^d ut rnor I with .1 Jsa Ira r:;,a ;libn an,] havC Ir,0<f :n adCC! !Filth t~ Cvrtt.c ,nc (; r~birm tritr. the r•,crcha tt nr Ire ~han;7r s ar> tf e r ti;it rl r. r l,ihert Ki r Ira dulrnt use, yr ,e~ur '~ ry lirCn.1Se CObt n~Jfe Fhrln S50 an., }4ts made from d p'r:n mi.~rtalc~.t In yUUr SiarB ~ within t0U mile6 ofyc~ur home. cOntacl PSECU. 14. DISPUTED TRANSACTIONS -Yvu are raga red to npuFy PSECU m wrhng ' w~thirr tip dl:ys f„euwln~ Ilte +7ate do roe~luot: a.'a seal yr~:,r srate;mant w'hr'va:n the error ~ ' or {lrobivrn first app,,ared regarding any discrepancy cr urtaumorizad uansaciicn on gout accvunt, Telepf'roning PSECU :lass apt preserve your dispute right,. You Wray I ba requrrecf to provide us with doC.,nrentat~on Iv support y;wr disputa claims. In f addition, you Wray by regwred to complete a standard disputa Ivan oudintrtg the i details di y0ur d+sputy. ht cases of fraudufant card use, PSECIJ will also regatta a nvtanzed adidavrt, hl some caws wa may ask yet td noU?y the Inca) authorities. i ', tf we do not raceivo t}:v firvpar rvyuestvd documantatitir. In the tune spoeilied you may be Wald responsible far the transachon(s} m question. PSECU roust adhere to strict disputa thneframes sat forth by Visa. 15. SECURITY INTEREST - To secure year accaunt, you grant us a purcMasv ,mnnw• garlir.fy intarast _gnrinr r.h!? Ilnitnrm C: nrntr:nrnai f'nd+? in grry nrxtds ynu purcnasv through the accvunt. It yvu default, era wiYl navy the nghE to recover any of these goods watch we have not basin paid for mr0ugh our atpp!icahcn of your payments in iha manner described i^, the Monday Payment section. With raspr~l;t to this account only, we w'itl art assert any statutory r{ght we may nave if you are in default to prevent withdrawal of your unpledgod credit oaten shares (Uepositaj below the unpaid balance of your account. However, if you give or have gwen us a i specitiC, pta,-lge vt yCn;r credit union shares dDepasits) by signing the Pledge of Shares Or atherwise. Ur any other SaCUnty raterpstS for al! your debts, your aCCpUrtt ~ will bo secured by your pledyad share's (Deposits) and by the progeny described in f Lhasa other security agroemrnts, except for your hOrne 18. EFFECT OF AGREEhAENT -This Agreement is the contract which applies to ~ alY tranSaCtianS an ydllr aCCpllrti even though ff7a sales, CBSh BdYafiCa. Crad;t Dt other slips you sign or receive may t:ontain d3tferent terms We may amend the Agreement from tints to time by sanding you the advance wndan notice required by g taw. Your use of the card thereafter wifi indicate your agrearnem [o the amendments i To the aiaent the law pormits, and we indicate +n our notice, amantlmenis veil! apply { sd year existing aGCOUnt balance as well as to future transactions 17. LATE PAYMENT CHARC,E - I( year Mrn;m ~m f~aymen? is not rece!ivvd try the ~ first day vt the month fvHow'ing your Cuel data ynu vriN dv sub;vrt t0 u sEu chnrgN. 18. RUSH FEES -You may incyrr additional cnargra for rush pres;essing and rush dafrrery of Cards : n;lrvr PklJ ntai!er. 19. OVER L}MITFEE -A S,'.U fare wpl be app;iatl trr Groin mvnthty stattement crvsrngda?e j on vrrtlcti tar' outsiarlding t~n4nnce rxCi?e^d5 the assigned !reriet'imn by n ,rv ri•.1n SttY: 20, DRAFT COPIES -You may incur an adda:onai charge fur transactvn suntrnaryJSafe draft docurnentat~on. 21. COPY RECEIVED - Yau acknowiadyv receipt of a ropy of this Agreornenr. 22. ILLEGAL TRANSACTIONS PROtitBITED -'Y;;u agr~; !hat yvu will not use your card for any transaction that is illegal under a;:rpprable federal. stare, or :uca! taw. 23. NO USE -Inactive Visa acc'oun?s that have no purchase or cash activity may , ba eluted without notice to you ar;er t d months of no act, it•y 24. NEURAL NETWORK - PSECU usrs neural rtarvrork systems rp {iretlict anb prevent unautnpn: ed transactions. There may bo oc:.asr,ns when :, uansactron is declined Decease it i<_ indi,.ative of frpssibiG fraudulerr act'. ay. '. 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I CERTIFICATE OF TI~'LE FOR A VEHICLE ~r~,-', ~ ~ ~'~ 415 ~~>, L1 ~ ,~. I~~ ~,~ D83L99999D05229-DD1 `;L ,~ LG2ZG57N684174715 VEHICLE ICEA,TIFICAT~,ON r1L'GtBEFl SDN I D BCDY TYPE UUP SEAT CAP L2/21/D? I L2/2L/67 GATE PA TITLED DATE OF ISSUE 26D8 PONTIAC 1'EAFl 1.IAY.E OF VE!iiCLE Z2l21/07 PRIOR TITLE STATE OUO!d. PHOCD DATE UNLADEIJ WEIGHT I GVVdH 654725994D1 WI I TIT LE KU.'.IGET DDDD15i D Of.Ot.^.. A+~~I ES I rDU!ct GT:1TlIS GCWP I TITLE BRANDS JOINT OWNERSHIP WITH RIGHTS OF SURVIVORSHI REGISTERED OWNER(S) rte'' VANESSA MARIE WILISbN' &~~" ~- ~ "~ ~ ~ ~ --~- VICTORIA D RICHARDSON~ 3 GENESIS CT MIDDLET06JN PA 17657 Flflb"F LIEN FAVOR OF: Ps~cu FIRST LIEN SECOND LIEN FAVOR OF: (700METCR STATUS 0 - nl;iUAL IAILEAGE t = M1iILEAGE EXCEEDS THE MECHA.fJICAL LIMITS 2 =NOT THE ACTUAL MILEAGE 3 = NOi THE ACTUAL MILEAGE~ODOMETEn TAIdPEHIPIG VERIFIED J = EXCMPT Fr10M ODOMETER DISCLOSURE TITLE BgANOS A = ANTIQUE VEHICLE C .CLASSIC VEHICLE D . CCLLEC7IBLB VEHICLE P =OUT OF COUNTRY O = URIOINALLV Mr-GU. FOR NON~U.S, DISTRIBIrfION /1 =AGRICULTURAL VEHICLE `~ ' l =LOGGING VEHICLE P = ISANAS A POLICE VEHICLE R =RECONSTRUCTED S = STREE? ROD ~ - T = RECOVERFA THEFT VEHICLE ' V a VEHICLE CONTAINS REISSUED VIM ' W =FLOOD VEHICLE % = ISM1A9 A TAXI R a socand Ilenhdder is listod upon sallsfnrlinn d the Ikpl Ibhl~~lhe Iket lionholder must lorward this ?itlo to tho Durolu of Molor Vahkilgs Vd141 ~ Iho appropdate form and feo. DATE BY_ Sf_COND LIEN RELEASED AUTHORIZED REPFlESENTATIVE DATE MAILING ADDRESS PSECU P 0 BOX 67613 HARRISBURG PA 1?16b AUTHORIZED REPFlESENTATIVE 1 codify es d Ure dale of issue, the ollicial records d the Pennsylvania Depadmenl ALLEN D B I E H L E R ~V of 'frensponaaar reitecl Thal the person(s) or company nomad heroin Is the lewlul owngr , d the saM vetdcle. Scumlary oP Trauspa9atiun • , ~ ~ . : ' .. ~ r i SUBSCRIBED AND SWORN ~ If a co-purchaser other than your spouse i8 listed and you waM the title to TO BEFORE ME: ; be listed as "Joint Tenants Witll Riyht of Survivorship' (On death of one Mr7 Dnr venR .owner, title goes to survlWng owner) CHECK HERE O. IJlherwiso' the `title i will be issued as "Tenants in Common" (On death of one owner; interest of ® ~ deceased owner goes to his/her heirs or estafe). r sir>Nnru a of nr-RSON AoM wsrenwo onm IF NO LIEN, CHECK ^ IS THIS AN ELT? (IF YES, FIN AEOUIRED) YES ^ NO^ 1ST LIENHOLDER FINANCIAL INSTITUTION NUMBER: 1ST LIENHUI_DER NAME ;' STFlEET The alNersignntl Cslaey rt applsnfo", Iur Genilicme of Til!o Io Iho venic.o Caecr,LC,1 a._. _. s:Iblucl tr, :hc crvcrrC:an[s nr..i ;.~ ~cr ial:il clairs sc: Ichh he:e SIG`iFTJni O'r- AFP:It,'r'.:T CF NU~HOP:~cU iiG`i:n ! CITY STATE ZIP t If NO 2ND LIEN, CHECK ^ IS THIS AiJ Et.T^ (IF YES, FIW REQUIRED) YF.S ^ NO^ 2ND LIENHOLUEH FINANCIAL ITSTITUTION rJUhiOER: 2WD LIEPIHOLGEH NAL.TE STP,EET -_- 5:3,:.:f:~P. OF CD.I~rL~G:.'JTTITLF vF AU: N~kILEC 4: _'~:EF _ 'i CITY STATE ZIP (TYi~i= OR PRINT) Cartltic~ ;Title nulst be suGmitted 4<rithin 20 days. unless th_purei is a reyisterrd de:aer heiding the vehicle fGr resale. _VVARN I N G FEDEFAL AND STATE LAWS REQUIRE THAT YOU STATE THE .tILErGE ltd CONNECTION FJITH TM_ TP JidSFER OF OWh:ERSHIP. FAILURE TO COLIPLETE OR PRO /IDI\u r FADE STaTEk:ErIT F.?A'! RESULT IN FIhJES OR IhiPRISOh1haEN7 _ __ _ j - --- .. ~ ., ----- -- LAST ------Rf%ST LIIGDLE NA^.IE A, ASSIGNMENT OF TITLE ~ x- ' - i;.,2 certiry, U tt2 tE:a n` my. cur kf0.~la ~TSe Iha! .C2 C7cn'.etar readirq is 6cS~fvESS rIA_'=____ _________--. ~/~ ~C.'r L'Hr~~.:SE:i __- __ _ ~/~ ^:12~ tn.U 'f:iEC:S !h;? a~lUd m~Eag2 pl Ih2 V2h,Cle. - _--.--__ -_.___ - I -- -_ _ c. n_. n~~^._~ ,:':..:5:. ~r:E .,. the Icl'G':..ry Ccre> :s :"~__..cU' _ ;~ RslleCS ct2 ar^.a:nf e; mJE5_E j Is hiGT Ire actual mi;23ge CI---~ -- ~-- -~--------- in excess ct e~ rcechara.-]: lirh„s ~ Y:AnN;NG: Odometer di,aepancJ ---___---- 9 !J,^h2r U2nlly Thal ihE ':.r.if2 ~S `ri: L- :.( arty 2r:Cl::ntraf r.2 and :ha; trC ~4':n2rsh~.F is f1EiEG ~ - _ '~ 1?fi~tir rv"~ iG mC {:er5Jnf 5~ Or lhi :;EiiC! :IS:Ed. ~ ~'p SUBSCRIBED APID SNJORN TO BEFORE k'1E: rso. Dar Y HC:iA c ~•P~CE "1 SI(dhA'llf•F OF P -f.50!I ADA',NISTF-RINf.. OATH I CO PUFCYA CH 1;r.nTU {e: _. -_- _ '. " --- PURCHASER ANDrOR ~ CO-FURCHASGR MUST Q ---_- _-- _--_----- HANUPRINT NAhaE HER[ _ _ W _-___ (1) ~; SIGNATURE OF S,F:LLF.R _ _- O ~ _--___. ~ I~ I SIGNATURE OF CO~SFLI.EN _ , Q F, SELLER AND.'OR ~ CO-SELLER MUST HANDPRINT NAME HERE C ~ ~ ~ ~ 0 ' • - r I/Wo cerlMy, to the best of my/our knowledye that the odometer reading is LAST FIRST MIDDLE NAME TENRIS X miles end reflects Me actual mileage of Nle vehlGo, PURCHASER OR FULL - -' - - DUSINESS NAME _ unless one of Mw faeawing boxes Is chocked: Reflects the amount d mlle.Tge Is NOT tFle enual mUaappe CO-PURCHASER in excess of its mechanical limns ~ WARNING: Odometer d(screpaltcy STREET uWe tudher teddy that fhe veh~le is Tree of any encumbmnce and that lha ownership is homby ADDRESS ' transferred to the person(s) or fhe dealer listed. CITY SUBSCRIBED AND SWORN --" TO BEFORE ME: STATE ZIP PURCHASE PRICE OR DM MO. DAY YEA - SIGNATURE OF PERSON ADMINISTERING OATH PURCHASER SIGNATURE -_ J CO-PURCHAS[R SIGNATURE PURCHASER ANDpR ~ CO• SRC ER MUST , M ~ ., ~ ~., I ~': ~ eaGFUTUHI: u yEl.4R _ Q ~ ~ P M M N ~ - O R I AME HERE' _ " ~ '.~ • I/We certlty, b the beat d myMur knowbtlge that the odlxnelerrear&Ig k LAST FIRST MIDDLE NAME " TENTHS -, X miles and ellecte Ihs actual mileage of the vehicle, - _ _ PUPCHASER OR FULL __ _ r T , DUSINESS NAME uMOSS ens of Ule Iolbwing boxes is cheeked: - Rellects the amrwnt of Mleape nIs NOT Mla actual mllooggee CO-PURCHASER 7 -WARNIf~+: Odanetar dLacreparwy In excess of ks IrMChardcal Kmlls L-- STREET ~ INVe further certlly Meat Mre Valetta is free of any encumbrance and mat the ownershfp M hereby ADDRESS transferred to the persons} or Mle dealer ksled. CITY SUBSCRIBED AND SWORN TO BEFORE ME: srnrE zIP PURCHASE PRicl=.' ~ (NN ' - MO.. DAY VEAfl - SIGNATURE OF PERSON ADMINISTERING OATH PURCHASER SIGNATURE J - Q W ~ - CO-PURCHASER SIGNATU PURCHASER AND/OR '- fY CO•PURCHASER MUST ~ HANDPRINT N R a. , Q SIGNATURE OF SELLER ~ SELLER MDST ' HANDPAINT NMIE HERE r ~ • UWo cerMfy, to the best of my/our knorAedge Mal Mle odometer reading H ~ LAST FIRST MIDDLE NAME TENTHS - - _ _ _ _ X miles and rellecLS the actual mileage of the vehicle. - PURCHASER OFi FULL r BUSINESS NAME unless one of the folbwkg bows is checked: ^ Reflects Mle amount of mieage ^ Is NOT the actual rrelBaQe CO-PURCHASER In excess of Ns machankal Ilmlls WARNING: Odometer dlsrxepency STREET 1J1Ne further ceniy that the vehlde is free o1 ary encumbrance and That the ownership Is hereby ADDRESS transferred to Me parson(s) or the dealer listed CITY -- SUBSCRIBED AND SWORN TO BEFORE ME: STATE Zip PURCHASE PRICE . OR MO. DAY YEAR DIN SIGNATURE OF PERSON ADNIIIJISTERING OATH _ PURCHASER SIGN4TURE J W CO-PURCHASER SIGNATURE ~ PURCHASER AhJDlOR ~ CO-PURCHASER MUST m HANDPRINT NAbIE HERE . 0 O a ~ S ~ Q SIGNAI'11RE OF S_cLLEfI ~ ~ SELLER Iv1UST f~ i HANDPRINT MA0.1E HERE ,,~ ~ a 03/26/2009 Via Certified and First Class Mail VANESSA M WILSON 3 GENESIS CT MIDDLETOWN, PA 17057-1119 NOTICE OF REPOSSESSION AND RIGHT TO REDEEM You are hereby notified that your 2008 Pontiac G6 VIN# 1G2ZG57N684174715 has been repossessed by the Pennsylvania State Employees Credit Union ("PSECU"). You have failed to pay the 08/26/2008 installment due under the above Loan and Security. Agreement (the "Contract"). 1'he motor vehicle is currently being stored by: Mcdel Enterprises Inc. 8813 Philadelphia Rd. Baltimore MD. 21237. (410) 918-0723. You may redeem the motor vehicle and terminate the Contract by paying the following amounts on or before 5:00 p.m. on 04/10/2009. Unpaid principal balance Accrued Interest $20,072.39 $710.24 ADDITIONAL COST IF REPOSSESSED MORE THAN 15 DAYS AFTER DEFAULT Repossession Expense $195.00 Storage expense @ $30 per day (3/24/09-4/10/09) $540.00 Late Fees $72.78 Admin Fee $55.00 Redemption $50.00 Total Cost to Redeem $21,695.41 Payment to redeem must be in cash, certified funds or a cashier's check. We will sell the 2008 Pontiac G6 at private sale sometime after 04/10/2009. The money that we get from the sale (after paying our costs) will reduce the amount you owe. If we get less money than you owe, you will still owe us the difference. If we get more money than you owe, you will get the extra money unless we must pay it to someone else, or use it to pay other loans you owe to PSECU. You can get the property back at any time before we sell it by paying us the full amount you owe (not just the past due payments), including our expenses. If you want us to explain to you in writing how we have figured the amount that you owe us or you need more information about the sale, you may call us at (71 ?) 234-8484, ext 311 b or (800) 237-7328 or write us at PSECU, P.O. Box b7013, 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 qualil~, 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} Victoria D Richardson 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, \'\ `' J ]~~ 1 fj Jodie Ross Account Advisor ~~~ CC: Victoria D Richardson Pennsylvania State Employees Credit Union Main Address: 1 Credit Union Place, Harrisburg, PA 171 10-2990 717.234.8484 • 800.237.7328 ® Mailing Address: PO. Box 67013, Harrisburg, PA 17106-7013 717.777.2100 (TDD) • 800.472.1967 (TDD) This credit union is fedr_rally insured by the National Credit Union Administration. Equal Opportunity Lender VW Nl.~58+: Y1.COrn v 0 W J "T1 N 3 Z ~~ S 3 O 0 0 ~. 0 ID 0 N N LSOL1 ~'d `NA1O.L~7UQI11~ --- Z~ SIS~N~~ £ ~ -,., ------------------ 1r1OS`7I M 111 t'SS~!~t~'A .S °n - ~"' I"'III"'I'I'I""III"'III"'I `J' ~~ (pay}noay ~uawaS,aHU3) r'(J ~ eat Itiari}ap payo}~~sa~} O 1~ ~ ~~ ' T (pa~inhay,uawas~oP~3) }h UjSC~} ~~ 0 ~~ "y ° ~'~~' ~ j ° 3 a6a;sod wc~' ~ ~-a ~ _ _ ~ i 1 . O 1 SIGNATURE LOAN ACTIVA'T'ION NOTICE ~C1' !3 ~ ~~?~ September 27, 2007 Applicant Information: Itef #: 653612 598 Approval Amount: $4,685.12 Internal Use Only: 8103264811 Applicant: VANESSA M WILSON Work Telephone #: (717) 558-4150 Home Telephone #/: (717) 944-6230 Refinance: 2U Signature: I acknowledge receipt of the PSECU LOANLINER Disclosure and Credit Agreement and agree t be bound by the terms set forth in said agreement. «- Sign tore of VAN. SSA WILSON Da e .SIGNATURE LOAN OPTIONS ~ Please select one of the; following Signature Loan disbursement options: Send a ^ check, or ~ deposit to my Share 4 (MoneyHandler/Checking Shares) ~,~,~,~ Please select one of the following Signature Loan repayment o bons: ~~ p ^ Payroll Deduction ^ Home banking d~,Sclf Service Telephone Coupon ~~~ i l~ mc~eJ o~c~~c~~ N M Y .^ ;~ is- - ,;,o ~ L~ (lr ~ o ^ Automatic Transfer froze PSECU account ^ Direct Payment from another financial institution ao i5-~~l~I~ a l ~~v ~~~ F10118R ~ PSEC~# Penns_ylvani~~ State iEmplo, eY es Credit Union Loan Disclosures Ny , r `,,~+~i~~x~'~'~rr I f~'~~1~1r:~~= ~TrJr1~a l~ it +~!>`.~k=>~+,3.a.>,:~.r?r~.. ~,:~'~'';......:<:e:~ ..i.~rJe "k..r~rra:ra. 7k~ast.~:a~tte; -I•..:: :.C t~l_ ".•--Fr' ..., ::; '.~ .. .;~: .; ., .++,, . , :•.';:~. _,_ `. r. _•'I CREDIT Ih1S UR At~CE _. I _ ....... yr :... ... - t.,':. _ .6! ".; °:;,I Li..`f~:rt. _,':'..:..I. .11.t'Cr, 1:::.'i:;l)IhfPta(I ~-''::' .,''.f :::.;I!?: ... .. .::, :t..,'~1, t,N._ .:. , [:J, .!'F` I. .f..:l:Jll':Lr~~: - ...::.~: r. r, ....:..: ar c...: . i.:r° Yau. your F.n:; Uor(c.er '.~:~ . , , ..::o:_ ..~-~;:~, ; :~.c ... , I. ..:. '~:~~'~ ,r.r::. .. ,:'n>.;..., ,r:;-. , 6.:- .. ,.: .. . ..: ,:.e ...:,n~C ', ;,u ,° %;sr; Credit unPOn +:e nuru'.c: us r :...:;: E . . , -:r ::: r r'.:'n _ . :', . ,:;,_ .. _,- r..: _. : Ir,, . . ,t , , ,. :, _ ., ' '.;':':i i iT( r"'I°;!: '. I.I: .,.~ I ' e. .-:1-. ..: I .. .:.Y :.I , ...Iri:. ,. ::} ff01,Y THIS PLAN y'lORK5 .1r ., ,. .. r'.. ,. . a .d4:. .'R . ; ~!.. 6 ., 't' t .ti ...5 ur, ,._G I aa, o y: .l.nl. ,r (' , i,' Ir ' , r;,~ u:•,_ ., .. , n ,;,_;n:i,. th:a Ir; to tc., . a::Y: r .,' .:r. I ~r p,' r ,c nr: 'u...c., ,:;;,, :u h~ :.I ,. .... ,. «v:. P,prn, tiYe are not required to make advances to you under ure Plan and can ~ PERIODIC STATEltENl' -- On ; r q , :r .:a I, ; ..., ,v, ,... „e i,;.: u;. ; ; ~,;vu; rffusf a requfst for an adv,nee at any time. : n • :u._« ',,i.:^; ,,,,. ri::; ur,rl,<.:ao f. .:r,ci2r ,I _- F'iar: i, : .~ ~~ ,:~r ,~reri r y t.. .., ur,~snt 7;ifc.ren, *y,,.e'& 1 r~J, :u.v.r.~.l.t, ." ;9 v, :a...:: r.rr ..'e r' s .'e :;un S:ait.: sn,:> r,l ; ,,;'IC.>~; ,r' ilP. Sv r? t, y:;.. .,, 'Ir. ,,t.r., r :r.e;nt a.:7.es., ou t,ive interest rate fC•r (,a1_n .~ura,.r,;urs+, ,. presst><! ..s a tf r 1, F,~~rlarr,_ r.,te ud ylycn vs in wn trig i,1nE6; a~:pli;c,Ll_ law rc~f_re; :.,h;r. n aa..'~ ,u r.! d,,xrrrer, ~, Lori: °.pp!1•'i!rJ err„al f)E'rLCn,~r~ti ral^, anU U". r.,c.Y ri. y_5 i r . , t:I~U In. _ . .r ,. ut .J c. : ur.,. ut Tsar r. l: ,J3 r,oP.,e t., air. ~.I. tennis is tJ a sci'aa.ae fur de ir,nxlin,i ,:., i,a :',ul t arnvur;rs JOINT ACCOUNTS - I? t. ~ it: a o„ , .rc~tut t r 3tt:: i j ,, yap t, ir,::r i„;a l., ,trd <. GY CREDIT LIh11T - wJa rr.ay, t?ct do eat have to ast;tbr:;n .r r:redit II „t ,.,,r ~~:etrtarr; resFcrTSbie for paynr7 al! 3r:rGU-1rs a:ved. 7h~... emirs w~ can ;n'ar;;rj our r,ghts ' subaccounts. I! a ,trdi, ,n'~it , Scat for a sUbescoum you txOrTtbse r ~t ,o .,x_aae! .r.e ie2r+er trre Plan agautst say one ed you Indrvsdu;,:~ .ir again;;t tall a' ya,1 together, iiyr)u astabfishao credit limit, I} yea exceed the Cr.'„it ilnlr, you prom ,~ te, rr paj ', givca u, ~nc;n'surr,t mslrurflons. v:f can ref;,lsa ?o tcritoov your inStrULYiar:g, Urrlass our ' irnmadta;aly tt:e a nom ;',.r;rcn t.xcacias tru „rfdlr irn't w~ntren ~yacy roquires eft 1 you to Srgn tu(a iJ~rlu,,v r.+ach of you autY+Gr o the i REPAYh1ENT - }car promise to rtrpny ,xll amou i,s you o vc ,radon 1'rt. Plan Pprs other(S; it obla n advanc,cs na!'vid ralPy and asree3 to [aF 3y Flydvanca3 rnada 15 .he j 1 mtfrsst. Payments ara due on the las! day of the montn usles ~wtr set a diduront day ~ olhen;s}. Any jwnt accourxY,aldar my ferminatf thf P:an by grvarg us prior wtr tan ' at the time of an advar;af. if the Addendum rtes no payment schedu;a fora I nofrce, tl any of you t6rmi'r.;te the Rein, ?he Ptan Is to+m!nateu for all of you. "ynu° SubaCCOUnt, ye:ur payment wdl k':e dcrerrnened at the t=.me of ea~ tt advanco ~ remain treble Individually anU Jorrtiy A;~r atl advances ;~ncuned berate tarminahon j Payments mus? inc~uae any irnount past du+a antl any amount try r+rh+c n y u htlva FEE5 AND CHARGES - II you g,'ve •is a sacurit~ inl~rec~t in rertacn types of ', excecdcxf any r,.redrt um;t you tsave uetan glean for a subaccount. Yoo may repay air j property, wa tray charge goo a filing ttra to perfc`~tt our interest in the property It wf I Or part of ',tinaf you vevo al any nine ',rtltout any prapaymant penalty. Evan if you I do. Ilia amount cf the tee wail be drsctdsad to gnu at the lime ydu obtain art advanrf ! prepay, you will still be raquirr:d to make tea raga+arly schcduied payments unless ! yVa may aroma charge you other tries in cannfatiort with the Plan. Gar cuner+.t leas ara {{ we agree in carting to a change .n ttte payment schfdule. If gnu nave a joint ~ drsclosfd en Ilia Addendum and w!ll oa added tc your loan nalanrf unless you pay I sharedrait aCC0il'7I, yGU WIH be iespUnsiblE for paying all overdraft advances Fham In CBSh. ot,tained 'oy a Point h:otder o} the sharedratt aax,unt. Unless otherwise required by UPDATING CREDIT INFORMATfON -You promise that you will promptly gl<+e us '~' law, payments will be applied to amounts owed under tre Plan. In tea manner .rte written notice it you rnovi„ orlon e Credit Unman ctwcsss. g goer name ar fntµloyment, or if any ether ' Intarmation you providaa c us changes Upon our rnq!:est, you also agree tc Pf~N Y~f :r`~CC -Vn,r rdn nh+aln rr,c~_Lf rt ra rtr.~a en any manner Fp ~thnn. pri !YJ u5 I} ,'.,.. ,. r r. ^ ~, o , mdt Win, w2 :ttlow you to use your ATPA- Da!brS card t„ arress the Plan, you may tre fiattlo for the ~ N,~: ~~~ ~ ~ ,.p.,..,.... ~ ~ ~~ • unauthar,zed axe of your ATMIOebit r..ard, You vritl rYCtl ba liable for unautltuntea use ~ DEFAULT -The loffowing paragraph applies to borrortrers Fn Idaho, Kansas, mat occurs after you notify us, orlPy or in writing, of ttta lass, theft, rx tx~ssrWe i Malna and South Caro/lnarYau wiEl tre irT deltauh I! you da not make a payment of unauihurtzed usf. if you believe your ATHSrDebit carp has bean lost nr s?o!en, i tea arnounl roquira~ when dt Is duo. You wilt also ba Ir, default iF we believe the immediataiy inform thf Crtrdn Urt:cn by calling or wr:tlr•,g us at tno telephorte number or ! Rrospect ut payr~,ent, per?orrnarre, nr realrzatian on any properly green as security '~ address that appear's elsewheae in Lna Plan. If the card'+s used !a ob*.ain unautnonzPd '`' srgnt}icanily Impaired. ndvanras dirart'y from the Pinn, your liaotnty 'ariH nut exceed 55fJ if tnf unauthorized f The fallowtng paragraph applies only to borrowers In Wisconsin: You will trtt in wrthdrawal Is hem a srlarcacirah account your 'iabllrry Is governed fay the F~ guiatlan E= datsuft if you "a,I to rt+ake a Payment carton duf two h+Tes during any t2 month i disclosures you rac:enard at Ina t!mn y::u r~+c;arvad ycrr( ATh". rub E card Evan it Ina ~ pa(icyd Ybu well bf ir, default rf breakrtg ;any „rrornise made under tea Plan rnatenally witndrawa! results in an aavarxe being rnada tram your uverdralt subaccnunt r Impairs your ah!i:fy to repay :vr,at you o'wa or materca!ry impairs the cbnditian, value. '', FINANCE CHARGE -'•he ooliar amount gnu µay for money borrowed is caned a •. or prptectson of ar our right In any property you gave as security. "finance charge' and bogi!TS on ilia date of aaoh advance. A ?inance charge Wit{ be The foNowing paragraph applies onty to borrowers In Jowa: You w:ii be In oomputfd separately for each se*pa(ais balance under ilia Pian. To compute ttre ~ delauR if you are more than 10 days late in making a payment. You wilt aEso ba in ~: finance charge, the unpaid balance tar each day since your fast paymen? (or since ( default if you ao not comply with the terms of the Pian and yarn faElure to cgmply ' an advanco it you. have riot yet rnada a payment) !s mu!tipfied by the apptlcable daily ; matfnally impairs any prapHrty you gave as security or your ability to repay what you '. ', periodic rata. The 5urn bt ?tT4Se antounis is Ilia Itnance charge owed, The balance i awe ±.antlfr the Plan. i used td axnputa the finance charge is the unpaid balance each day after payments i The foflowlhg paragraph appftcs ho borrowers In elf other states: You will be in and credits to that balance have been suhtraotad and any adtlstiatts tc the balance i dofautt it yew da eat make a payment of thtr amoum requrred when it is dtta.'you will ~ have bar>rt made. In addition td interest, we may cnarge other Finance charges which ba in default it you break any prom e you rnada under tree Pian or if anyone is m are discWsed cn the Ad;!andurn. If the interest ra".e is a variablo interest rate, thee default under any serunty egret-rnant rnada in connactian with an advance under Addendum expfairts how the variabsQ int[tres! rare works. ilia Ptan You wiU be in dffauR if you die frie for bankruptcy, become insolvent, iC you SECURITY -'You p!etltje as sacunty for the Pian all shares and dsvidonds and, if any, make any ia:se or misleading statements in any credit appi!cation or update of credit ~ j all deposits and Int=Srsst in ail joint and individual accounts you h3va with us now and ~ tntarmatran, ar Ir samethrng happens wa belicvo Wray substantially reduce your m t?te fWura. If a .,PaCltle dor:ar amount as piaaged for an advance.. wa wril troaze ability to repay what you ow,) }'ou wrft of nt default d any property you have given I SharfS in that 3CC4E(m to the extent of Ftt9 ~iJtSL^an;ling Uitrartcr; Sur lftB ad.311Ce. I aS as se Lllrlry r5' rap0E58ayt~ri by StJmeon6 61Se, Setzad Utrdef a tbrfeitt:ra pF Simrlaf '~ Omenvise, your piedgatl shares may oa withdrawn unless you rare In aatauu. The I !aw. or It anythirTg arse !tappens th„[ >ignificantty atfeCts lac value o` the property or following paragraph applies in ail states except in Ohlo, Rhode Island and I a,:r securry iraer~sl 1r it You ~,vill also be; m dflau!t under the Plan rf you are in dr;tnult Massachusetts: VJe naoa a statutory lien on the stTaras ant drvidends ana, It any: the I under any tTlher ?oan agreement with uc exse ourdrigrns cndeathe Iter~td ittfr a tent parmined by st teulawtr(t'fe 3rf i Y ~ ACTIONS AFTER DEFAULT -The tanowing paragraph applies rn borrowers In crartarW if our name ethos eat include the term 'Federal ;,relit Jnl_m') For all ~ Catoredo, Oisfrrct o/Columbia, lows, Kansas, Maine, Massachusetts. Missouri, ' borrowers: The statutory flee andlor your pledge will allow us to apply the funds Nebraska. South Carptrna and West Virglna VJher you are .n default and after in your account(s) to what you owe when you are in default Teo status r} I+E an,-i l ex prratlcn o any r,aht yr„ ! 3~ e antler a pht,al,Ir st rte tarn t n~ your Jtaaufl, vr2 can demand immedrte psyr c..q ut Ike. .,ILr.: unpu.d bnian,.u under tat Ptah without }our pledge dv nc a, Pit o any Inaividuai Fehremcrt noun Gr ny c rr :~n,t rt giving 'yrw advar~ e ..un: e that woui 1 cs spa cal . + treatment and r st ate or c ~icral la, it v@n c r;ry , AJlf,ionai sc,~anry G( ;hf Plan ntay be reg.:ne:J at ILc once ~f ar auranca It a ! ThefofiowingparagraphappfiestoborrowersinallatherstatesexceptWisconsrn ~ subaecount ldentitir s a :ype of property t such as 'rJr+.v Car " I ycru rr ~ y:' e thaat and Lou1slann: rNrcn y a e• i h fault, r c c-,n req Ire Immediate. payment i type Ut property a5 ::courtly when yQU g@I fin a i'YtnCi: ul`;ier It:n; s,: s~C :. hL ;, t8:x:e,er8tk:n) pl the erl~re ~: pa J U:, a t. B U•Td} r .r>: I"van },,~ Wa:'ve !ry Hybl you hate , t.' demand f^R ~, y.r ant. non ~- or rite ~: n acCelerde a•id nave o' acce:eration SUbaCCaant ^;8me Su Ch a5 ~itlEir 5r, rrFd° ntt t^5 y7a 'n L'St prOt .r^u ry ' acceptable W us when you obairt an a, - an~.e ;ntt r that su ,~ra:r.rnr. P o>crty y,;; , The loHawmg paragraphs apply to borrowers in af! states except Wfsconsin and I give as se~ur'!y w.il ;ec~re ai~. ~,rnount5 cv,ct: ender the Pian u d all ov •• Ivan; y'~r.; Louisiana: If Ir.mo:~,a:f C.a~rmen' is d~ nar,dt~, ~. nett ;'ill ednthtue to pay inferaSt until rla•ae cart: us n^::v irr in ihc; tut:;r.., E.x.:apt .. ~ '._t:n : .,n c; Y ,: Jac; (.,:...:•:rn'y ,.'r•! t .rt. a,~:.r, ~...:..Cen rr _s:.l a: 'I I .: Lr_z:h+ r. ~r--a r,a.;.., r cret:! or, i1 aapll:.anle. F'r 3pfrt} SfCrr!'g :r sip r,., y-~u '~2vr_ r, tr::,; n' ~ ~...,. +:.- ~ P•a: •-~ dNlBli H :O.JILRIER Cn rt Ind 3i:.,ah C' • 1t.1.gr o>it Lr ,+r ,. ... _c _... ,. .. _.. .. . t= ,. ..., .. j~. .... .. .. r _ connr:ueoi°Ftl=cnv~NES:: - i .. r ,: ., ,,, ; .. , , r UTICr tU UT ti GUf7HU +ER~ , , ~- .. ... ~ .: ~• i . ,.. p. . 1' : •• Thr. n,totun,7 s r.yuire(1 ar lhnnunr rat, --NOTICE TO CQ-SIGNER -YOUR ' '''r `' i ''' SIGNATURE QN TNIS NQIE Iy1tANS THAT YOU ARE EQUALLY LIABLE "' ~' '` I ~ ' " r • (QR R[PAYEy1ENT OF THIS LOAN. IF THE BQRHO>,VER QQES NOT PAY, + r ..r.- , pr t i ~ ~ I ...-a , , , ti•i , ~ - c " ! TFtE LENDER HAS A LEGAL RIGHT i0 CQLLECT FNOM YOU ar .~r, ;, . «.. ; :r ,d :., , ,. : , ,n r „ . 1 ,,r .t:. ,,.c .,;s>+: c~ l: r crt ,•r.;x~t , . ... r, .. ;t ., , . ,,r ; , .., I:I , ; '.r-•' c The lullor~iny paragraphs apply tf you give srcuriry• in canner Con with an ~ I ,~ i,;t :• >J :,, u:,c;;nt. y,. i, .*:.e rs .+"rtta q ,:. ~ ri.- ., a"iy ,:L:,' c a.-.. _, t , ;,;;v,rnce under the Ptan.l'he.y apply to borrowers in art states except Louisi,7nu. +, G , , t r. :, C t-ae d ,, :,.,,., c:~d .:. r ~ _. ., ,,r . •.,r t nc.t Louisiana horror+ers rrdl ezecuta ar separate secunty agreement Borrowers in :~y t ,.r~•: r,rr, ., i,'; d~ .....lc:i tr,. n , r, ,:,r c, r:,.cx..;. !rr,'*• tl ~ .:.,. hr,=~% other states m:,y also ba asked to r~xecutc a separate secwiby agreement. ( .. n i .;ae i c r r re ,t•;, re q r t, ' ~ ' ,„'. THE SECURITY FCR rHF { LAtJ i:q. .. r i ; Il ,.it rtr.f~'IRf ,n I'::. .~i .. ... t" ti.tC .:.t.a .r. :. _'}V ,1,. P:'.'lhl Jl C, .._ - ;rt!f L. _~ tl AR „(. t141 Syr .... G,t l l - , r4'CWN~, .•_:.I t J -... _ .h,t.~^:~7r ,~C,.. r,. .i r?.:J • p.1v :.. '.y .5 1'.:l:nt !t';J, r..m a,',':., ii.! :Ilia r rf. ~,:~i:? r ... ~i,.l' firs bC ~'n dl?:.; ~ ~ : r'.^_ .l t.:. ..., ...:r1, :8 ( ,. ~i:~`.'u. ~ . , ~t: c'. ~r~t.' i.l t _, yr; .l .K. Ir`::,I., nr. '. ;1'.: ' fG a~'.y Ur,.:l ~ l,alri. .U t„ .ter ,! .• t~;i" >`~ J .t tare . tC.. -S ,,I~7c ,, .N; I~,,;lt ., , ;. ur,t <fl i+ " c a G a,:Le a.:.n1;,. tit .C 35l',.:. 3. _ I t~j5 .t ..~ . .._.:tl ,.: 1,> ~r .. ,... , ,, r1 ~l lf'. f=- i.fC,,,cr.y ore rd , :'ta ,~ vi. •, er f )p t ,iv.. ;,[ t i~ ds`atu,. ne a,_~;.o„ed on r e t~,~ cr i hE t t. re Y s cilrliy c,rd . al n ~'tarr Jrlr fc~pic me,~ i9 tJr .he aw-)e nelU m, .! hl ti'.x :lint. ~^!! 1 .,a JG'+t'n f`a :rl. ~ ~ r; il)e rty w '%: (: 1 +,U t7u1 ,Jr,, I.1 }{i .i.., ~ .. t',E .c.a,.i. n. C•r -,F} l i:P ,)fl ti. r(In P+L'1iS The lottowing pan, graph applies onty fo ld'isconsin harrowerx: 'A'n't, you aw :~ ~r ref ranc•n~j o the At~t~•?"~' ii al n inr.;udES any monr?y you raCeive'rorn sv:;ng dE'u(:I; er,d af7ar ar.o~r3[ton al ~r r y„' yo( rve. ~r,det of:pl;-x,b e su,?r_- is t .c curer yo tor, tutu+rty ur um rc'•s lr t t. c( .eon tl u ,,r.perty Ir t e value b+ Chc• prypcrty de.3:,tt, :va may rage re in=rnedr,t. (:,,ymrvnt.,,f yr)ur uuttanoing lean bal.:u...e unc(ar the ~ dart nos, y~:u irornise to g.."a us -n,. e property as sir~un,y ,f aL.9C :a do sn, P,an and seek pos.as:ar`• a' artpar?y ~~h,en as saalray 'Yau may •r:>?antar(ty cis/ii tt+a ~ WtiATTHE SECURIT"Y iNTEHEST COVERS/CROSS COLLATERAL PROVISIONS pin„~Etty fa u5 It y ,_ c;hocse, . r : ,e .',a_y ;eek to take pvrsess:on ai thr; property by - Te:e socun!y ,, ;.rea~vecures rt:e Advan,^.a dascriL'+xt in the receipt voucher or any ' idd<CI&I proCa55. If we I'epa55eS~S ta% prapie+rty- }"nu agrEa• tC {)ray' ra<iSClnabiE expet7c..5 OIIYar ;irgUrnErit you r?CEIVa at ttiE Urt`0. al lhE.AdVa(1Ca'~ and any e1CfEn8YC7nS, rEna'fi'E1t5 incurrod in disposln,; at the prc,prirty. It tr e property a a maNr vahkdr~, rrr,~a,le narrt. or rennancatgs of Iha l+dv ~nK:«:. It arso socures any other advancos you have now trailer, snowrnat>ile bon' cr ain.ratt, yru wru aisn br_ n3?Juirad tc pct; :u~y nuts pErntitt il or receive in the future untler the -Plan and any other amounts or loans, by Sacsinn x22.413 at the Wis<.nnsin Statutes. ybu must pay ar•y amount that rvma+r'ts you owe us for any reason now or in the future, ~ Including any credit card teen unpaid ahar the sale rnnrSiy k(as begirt applie?: to wrtat you sure unr}er the Ptan. Yo'w , I gzcept any loan secured by your principal residence. It ilzE l;roprrry is t'rausettolcl agree tc pay trrwrest cn any unpaid amount at the same rata as t!ta n.tv+vtcra, or It I goads as dehr;d by the Fed.:ral rUds Commisslun : rEClit Prschcas• gels. the appdicaWE, at one datauit rate d'SCif]£Ed an tnE Addendum.. untl that amo.>na is paid. ~ prapany will 6E.urE arty ,hE A ;v'ai.,,(; r:,na net trtnar amounw you oNE , If inE properry is Incated autsrde Wisconsirs at the tints al default, via tray take ~ OWNERSHIP OF TtiE PROPERTY -Yau promise that yrau ovrn au properry you ' pa5S2ssinn ai the property w+thaut udic:al prcx;ess, if permilteQ by file state when' give as SOGUrity ar tf the Ad a w0 is !o buy the prat70rty you prUn-IISC you wu u;B ' the grape try is tocatad. Iha A~1r:ince for that purpc e Ycu premise I tit no ono I~e has arty interost + ur The loflowing paragraph applies onty to Louisiana borrowers: '.rJhen you am in claim against the praperty t ,at you Y:ave not atraady told cs Itbaut. You prcmisat ndt ' default, v.a can require immediate payment jacceleration) 01 the EnttrE unpaui ~ ;a sail or toaso Ina properry ar ro use it as sP •urity for a mart wi•h anu[itar uautiur ; ' balance under the Ptan.YOU waive any rigtif you have to dErnand !or payment. nntire until the Advance is repaid. 't'oe promiso you wdl allow no other security interest or at intent to acce'erata and natio,a of acceleration. It immediate payment s ~ ;;err to attach to the property Either ty.your actw+r.s ar by operatran nt law. ` demanded, yea wtitl eonbrua to pay interest until what you owe has been repaid at ~ PROPERTY INSURANCE, TAXES ANO FEES -You must maxdain praperty I ihE appl~abla intarESf tales m Et#ECf unless a default rate 4s disclosed an the i ;r?suranca nn all praperty the! you y ve as secunty under the f'Ian.YOU tries purctwsE ~ - Addendum. It a demand tar immediate pa)<`nent nag bBan made, the srla x05 and i the ' rn er mSUfilnGtr fro r, an Jr:a ' Da ChOOSB who t5 aCC@ )IatSiE IO Iha ~.ratlit daf~osits giver. as ticunry tar [he Ptan can be appliEd towards whirr you awe. lf1E Jnwn 1 he amount and uav.e,rags of t E property ins:;ran~a must ba acceptabfEa to ; 'an also exErc:se ~:ny other rights riven by law when you are in default and our i Us. Yuu tray provide the pr.,party Irsurartca through a p~..I,,,y yc;u already netr• ar rights under' any sawriry agreements you have wctn us ' through a policy you get and pay t Ir. Y'ou premise to make the insurance, pull y ' CANCELLING OR CHANGING THE PLAN -The lognwtng paragraph applies l;ayable to us and to deliver the pofir'y or proof ai cavarage to us it asked td do ro. '', onty to rSorrawsrs fn 1fUnois: We Nava the rigid to changE ttta tai ms of the Plan from if you cancel your insurance and get a return. '+.•e have a right In the refund. it the time to time aster curving goer any a3vanu^a nonce required by ip(w. Any change to the I or d.~m a Jed, we can use Iha utsuranna sattlerneor to repair the '. prep«>rry s nct interest rte or oft?er rharges vrlll apply to future advanras. i property or app y it iar+ards Nhat you c•we. `!ou ant",criz€1 ; to andcrsE any dr•t t ar The lOllr7w/ng paragraph applies only to borrowers in Wisconsin: We ;an chock which may be payable; to you in order Inr us u) call ct any rohana or str=ide change the terms of the Plan +rnm time to lintE in accnrdanca w!th Se <ian 422 .15 due under your ;nsuranue policy. Yuu arso prarnisa io pay ail taxes and fees (like ~ of the V,'isconsin Statutes. You will be notified of any change In forms An increase ragistrahon faesj due on the praperty. in Iha delay periodic rate unisr a variable rate ir.tersst rats is not considered a ! if ou da rat a the tapes ar f(s~ an L•,e ro r when due or kocp it irtsurEd, vie ma 1 y p y P ~ ~ y i change rn terms under the Plan. Wa can c'ancEi me Ennra Plan or any part of the ~ Pay these obfigaGons, twt we are not required to da sa Arty rnonUy we Spero MJr taxes., Plan at any time. You may cancel the Plan at any titre by giving us prior wri.>.En fees yr insurance will by ,ddlyd ?u the unpaid balance of the ndVarl(:E and you w•It pay notinE. Your obligation to pay the. unpaid haleness under Ins terms of the Pl,n ' ~ ,rd(?reS` on these amc1un15 at ,he Sa Rio, rate you agrOEd to pay On tt'10 adl~'anaa. WE may CartintAe5 wtlether you Of the trod t union Can.^.EI th4! Pian, EXCapt t0 the axtEnr h'tt i re+ceive payme tis in connvtt.+an ,with tt a. iasuranra from a company which prwiaes the year ilabrlity Is iimttad by Sec:,:,n •s22.415b cf foe Uliscr,nsin Srannes. 3 insurancE, We may menrtar our loans for the pi:rasa of determining whether sot; and The loflowing paragraph applies onty to borrowers in Iowa: `NS can changE ,nE ether borrowers nave carnp!iEd with the Insurance requirements ut our loan agreErraants tarns of the Pian t;cm tirpe to time after giving you arty advaneE nolieE required by or may engage ethers to tlo sa-'trio insurance Charge added 4a ar1 advance rtes include ~{ law. A change that ncreasES the rata of `manes charye ar ether charge, that tt I the insurance company's prryrnents to us and {2j the cast of dEto,rmimng cornpicance increases the amount of your payments. or that otherwise aaversaly aftacls exiveng with [hE insurance requirements. B wo add amounts far taxes, toes or msurancE to Iha 1 balances wltl apply to existing be=arers only It you agree to too change ar you use u„paid batahce of tin advarree, we rtes increase your payments W pay ma amoum the Plan shat redePVUtg naGrE that veer use of the Plan means you agree fie ', adasd witn'in the terror of the insurance ar approxlmata term of the 8dvanCa. change aopiies to existing balances ' INSURANCE NOTICE H y(,u rto nttr purchasE the rEq rod property insura.ue T'he /ollowin ra ra h a lies ro borrowers in al! other states: 'A'e nova t+ a g Pa 9 P Pp me nsurance v(; may p(r h) ~ ;nd cn,trgE ;au for w i,l c tit r oni; lc.r rnrc+res , +ha root to atanye: Iha tame of tba Pian fra*rt tune. to erne after Jivinc ycu grey ad.ancc' „praperty. 717E p.emi,.m kr iha Ina. r lne+~ tray tie ^,:)hr,r t,ccau,t the :r,,.usnce hence requires by law :try ct:anga n one interest rate will spr=y tr, future aavancas. camparry may nstve niv€>.n us the right to purcha<_;~~ ':nsura•tce attar unin .t.rbd ! and at our ,isorehon and sua;ect !o ary ragoiraironts of appticabie {aw, ts~li also ' collalaral (, lost ur rarnagad. The insurance will not be liability insurance and I apply to unpaid bai>.nces. I wilt not satisfy any state financial responsibility or no fault laws. The lo!lowing paragraph applies fo ail but Wisconsin borrowers: Ar. incraasu I-~ , PROTECTING THE SECURITY INTEREST If your sr t(; issues a Ct;e fc the I tt,E sally penadio r,(tu ardor u variables rarest rate is not constderio ~ charge :, property, you Promise ro have attr securely ,nl_resi ..hottn on ,f>e ntl.. We may r.,.o ', terms una7ar :he P!,an. vYa can aar?cai Ina entire P,an ar ,try part ut the Ptan 3t ,nv to 111a what is reties a }inariring ;ta',?marlt CC protect c?ur secures interest (torn the ~' tlme. Yea may carte re Pln:t <t; any me Cly gong us pn.,r v titan no t,e. Y r to a,t n therein st tie;^te,t fa., claims of ethers It asked ?o d:, so, ;oJ prim, ! g aoligation ?c pay tft_ a .paid ba,:utaeS ur,ler Ire terms at Sha r':;ar ,,;nir,.es wr,,~nt cr also cromise :n do st'nataver else +.e +h,nk s te,.vssar to roteu. bear ,L,,.:rity you or one CreOit '~!r;~on canes, the Plan. '. iB1E IESt In the prOpEf?y. You ptOmISQ I~ pay rill CUGt5. InC1U7tt1(~ !?elf nil lln'1 i!C•e'I fi.' 8f14` I DELAY IN ENFORCING RIGHTS ANO CHANGES IN THE PLAN - :":e can. a( .ty attcr^ey tees, we in.^ur it rr:Neairty ear srquri*}' irt~rest and nets is c,e prop:rty. ertarcir~~ :cry O' r_ r n;litt5 ur:o.r ,h'^, P'~n a-ry nu"'bcr ct .'m0s w.iha,t InS:rva trs to U e;xteat I)errnitte:d t ~ .-F.,@„~b~~ !;.•rc . Lf_`~tlUt:ELT Cn 1 la.: Srr..rrfy,%rr drt A~rcc •urnt icor.SrucJi U5c OF PRCPERiI' - _ ... ._ ...', r-..: ~. _,. ,.. .. .. _rt,nr .. r 1::1_.~ .. t:OTICE TO NORTH UAKOfA BORROYlERS PURCi1ASING A t.'OTCr~ VrF11Ct"c - f. r. .'f{ E.f•, '~L iF"iJ N~ ;%„! IGh F. .r ,-.c ,E,lL. I!' .... ... c- '. i:'i. rr~ It:y.K.l"~'i;iiF~:,EL•!.r .t'i. ~.(%r'.'E eft. ._..`~:~~ ~ ra.t Ar. _. .a '-~. ,',i Sr..:F.- ; r'r.h' ' A(i r.U~"t f r.___ 'F. r.~r :, ! E J~ ° r r ... J FP~'t 'r i. _ir~e E t.'..__ tiOTICE FOR ARIZONA O\:HERS OF PROPERTY - I• :, .r d t;.t;i r~! , „ ,;: ' : . t~ ri P..:r +.'-G'.3r , ...; tr. Fri , •Uh~: pea t~ 1 ~ iCur r r.res r~tt-r. r. rY rl~ r~. :y';; nr'f~[ r ., , _ t ., ... 7Y, .. pit 71.!'t T 1P Y .r. .._ .-,. c. ' !O 'r:C .trr`5S 4C .. r ..:~S r -,:.u r:Fx...':,r; , tl~. ^,r.titr u9 if yet, a_,dr;.5;. +. rr3e5 r . tr.Xim.r•... . Th=> na.~.a. can:vins trnportar,t ,rit.;tma!ian about y, ,,r +,.aht9 ,t,rit o 1: r... {.. ~.. bliti *5 _r°icr the Fair Gr{~r!it t3iilinrt r+c . Yau ar_ ao:r:;:>!' ro ra<td yaur n,cmt tts.•n r. and ;avraw it for any error dls~r~parrcias cr urauti „r:~d unr sacti,ns. NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT. If you think yaur statement Is vnang, or d you naafi more intarrrialiorr about a Ira nsaC?ion ~n your Statement, wnM US an a SepaCata sheBt tat the adareSs listed on yal.r statement Va,, are required to notity us in wririh:_t within u0 days tollawing the jets c~ w~:ctr v~~ sent your staternen! rvhareln the error or problem tryst appaareU reg.~rdrtg any discrepancy .ar unauthorized !tansa.aor!5 on your account. Failc;rs to parity us may rssltlt in your acceptance of any resirarrsib:?try Icy payment or rairnbursGment tc uE tier any such error or discrepancy on your accaun; wn:s to us as soon ss pas;rtyta. You can teteptsone us, t3,.,t dorrg sa wtl! net preserve your r:•ghts. to yaurletlsr, give us the foliewrng intormalion" ' Yaur name and account nunttrer ` ?Ire dcllttr amount of thy,=, suspec!~d snot. ' C'escrilxs the. error and ecplain, if you can, why you ba,ieve !Horn is ar. r,.nt?r ii you nertrei nrCrla r vrnrat~Gf s SC.rl~c a., 'y ~ n6 :bGUt. It you Hare curttar-cd us to pay a credit l.nrd accour t ,uramatrrar y from yaur sharp account or checking account. you can stop the paymont an any amount you think Is wrc;rg Tc stop :rye payrrrard your letter must roach us throe busnrass days before the automatic payment is sc~.adulsd to acrur YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE - W'e must acknowlettge your tatter withto 30 days, unless ws bare conectad the 9rror by then. Within 90 days. we must. either correct the error or expta+n'N~y W0 neEava Me Statenrar+l roes C6ffeCt. For those members vlha purchase a vehicle under the DRIVe Program, please reviet'v the following FTC Notice: NO,TfCE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT', IS SUBJECT TO ALL CLAIMS AND DEFEt~tSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE' DEBTOR SHALL NOT EXGEED ANFOUNTS PAID BY THE; DEBTOR HEREUNDER. A?tr,r r._ rc`.'cr::. „rut :+4.,. :..ar:ni.. ,;y to Ciillr, ..try ant;rtr r`s., y,+...;i, !r r;F;:ar, yu 'rs de!rrci,a ,' 6H'~> rsr o,r!r',ue .o Sattrt .+atwnrnts to you !!-rr t;,r. e :Darr? you ' goeoton.Irciursngtirz,Ala:.:n';;sn~x:.vc;ccr,roilyartyt,rr,r.,,cmount5yp;irrst~roilr - craUr?. Hmit. You J ,ti,! 'ittvw ul pay any ;aue~sfiona.7 arnuuni ~~ 'Lilly we are invesugarn;F. but ya:: are st~Fl a r;fatr.d to pay tdo parts n! yrx,r staterri r t trot :ire not in gaper c,n ' tt we rind that lc'a made n rristaka on yaur statemant. you wi;t not nave to pay any t ~ fdnance charges related to any questtoned amount, It we didn't make a mistake. you ! may Nava to pay fresrutts rtlarges, and you will nave to m8ke up any mr>,ctd ' payments on the rtUtfitianed amount. In Dither case, we will send you a statement at the amount you owe and the data that H is due. If you tai! to pay the ar-taunt that'a+e think you pros, wa may rcrport you as dacnquanf. I F;owsv~u, if our explanation does not satisfy you artcl you write to us within tan days ?suing us t`rat ypu still rutuse to pay. ws must tell anyone wa rc prat you to that yea '• I have a question about your statemant. And. ws must tall you taro nan're of anyone ~ v:e reported you to. yJa must tats anyone wry report you to that the rtrarsr tray ton ' i settled botwosn us when It finally is. f! lbFf don'! tallow me5e rUteS, V:e Ctin`i rall?Ca tltE f.rsr S50 Ot the rfuestionf)d amarrrd, ;- I even iS your state:msnt was correct. SPECIAL-RULE FOR CREDIT CARD PURCHASES - I". you hires a prcotem rotor Ctrs quality c-f property or services that you purchased wcth a.cradit card. and you t Crave ir~d In good faith to correct Ina problem wltn ina merchant, you map have rite ~; nght Hat to pay the remaining arnaunt dos an the property or servress. There ors two Itmitatlons an this tight: to}Yau must have made the purchase in your home state or, 1 ! it not within your home stets, within t©0 rr,llas of your currem mailing address, and ; f (bj Tree purchase pricy must have been mare than $5D. ~, Thasa limitations do not apply If we own ar operate iha msrctranl, ar it ws mai?ad ~ i ..n,. Ma nriva Miccmnnf frx rM,n rtrnnarty nr ca rvirac to this .Agfsatrient, Ina WOrd3 y0U site your moans aaCn olio air Ot mOSe wn0 apply i Llne only Dy wrSRa1T ajiptlabnon t0 US, WTlfan mU5[ Ge apprW~il Uy tYJr GPeall Grllnrnrltee -. fartha card ar who signs thts Agreement. Card means the Visa Credit Card and any ~ or keen officer. 8y giving you written notice we may reduce your Credit Line from time duplicates and renentals wa Issue. Account means your Visa Crryclit Card Lrne at ~ to time, or with good cause, revoke your card and terminate this Agreement. Good Credit account wish us. We, us, and ours means this Gre:tit Union j cease includes your failure to comply with this Agreemerti ar any attrer agrssmen! with i T. RESPONS181LTfY - If we issue you a card, you agree to repay all dcc?ts and ne •IS. or our Gdti'arse ro~v:rl,ra It~n of your r:reditwr:rthinas5 You may also terminate tars Finance Charge arsrng from tyro use of the card acrd the card acwurtt Fct exampta, ( Agreement at my [tine, txa, te•rn!inanan by either of u: Une~; nor atfact yaur obhg<rrron vo:r era respongibia for cnargas made by yourseYi, yaur spouse and minor ch+rjren. i to ply' rite acca:,?t barance You are atso respansibta far charges roads by aryahe etstt to whom yes give the ! 5. CREDl7 INFORMATION - Ycru authorize us to rnvasUgate your c{edit slantlu"Ig, card, and this respansit;i6ty continues untie ina :,ard is rscaversd. Yau :tanner disclaim ~ vrhsn opening, renewing or reviewing your account and you aumarire us W drsatase responsitaiitty by natirying us, but we will erase ttre'account for new ttansactrons it you I infarmatwn tagar;.'ing yaur account to credit bureaus and atner a'aditors wire inquus so request and return alt Can75. Yaur obligation to pay the account aaEance continues ` of us about your credit stony.+irng • even [hough an agraemeni, divorce decree or other court juagnrer.t to v,reh ws are 5. MONTHLY PAYMENT - Wa wltl mail you a statsnrent ovary month strewing your no! a parry may direct you ar erne of the other persons responsyvls tc pay *.a accauirt I Previous Balances of puurchases and cash advances, the currem tarlsactian; on yaur The cards remain our property -urd you must recover and surrender !r ,.s ail cards ~ acanunt, Its remaining l:rc'tdit availaba under yaur Credrt Lone. the Now Batanl:es of ' upon our raques7 and upon tarn +nation cf !his Agreement I purchases and cash advaneAs, the Tota! Naw Baknnce. tits Finaltca Charge due to date, ' 2. LOST CARD NOTIFICATION - If yo r beli2ve the card h is t r.rn est or 'staler and any otttsr bitted (Des, and the Minimum Payrnsnt rsgvrod. (very month you must pay j you wdl immediatery;;alt the Grad:t ur;ron, at t717! ?3; 8dF4 or .bOGt ~3/-732f) Ar,, r i at Isast Isle Minimum Payment within 25 days of your statement Gosmg data. ©y separate `. ne;;rs call (800} 556 5678, agr€sr^rent you n^ay autriarize us to charge t*re minimum pay-+tsn! al:tomati~,ity to yaur ' snare ar ehe~~nn.) 'rrs_~caurt with us loo may, of course. pay morn `.rarTtesntly, pay morn i 3. LIABILITY FOR UNAUTHORIZED USE - Yrru atee tc norry us trnrneo ate'Y, cralY t~.an 4.. Mreimum Paynsrt or pay the Total New Baian:a rn tUtl, and yVU wiU redoes the ar :r, v:rtrng or Ctrs xzs5. tra;H rir snarahor.^nJ rsr c'ri your Crsdlt Card Yr.ia r,' ;r txe I~ntrr • I iir.ane2 charge ny do nr,7 so. Ir your monthly payrRent exceeds tyre total cradil tine oalanes ' far rite unautrlarized use ai you Crrtia Card. Yoe w I ..tot Ge i.atXS Ior unFw'nr,zr.,o u1e owed, ws v:dl n.,,t„ -rrr ~r^~rUy Fast. the credit to yaur St shares. that xcurs after yrou nu rfy' us of its lass, th~h or Frr,,ie ur~.auth"r i9d usr r`. i ,I! rare TThe runrmnm F:. yr' gr? w t r. e: ~. , at ,our Ti;tal Nc,l 6a!ancx;•, rn,.lnded i:p to the no itab8rty tar ,;raumoru ed pure ryes made, xdn yaur t;reirr Ga :f. wuss.< y^r r are yr >;,5 y .;.,~ <r cn dcl!a: or tb °'. 't Op, ~~h+chevcr :;, greater. In eddrr:on, a: an ore your Total nagtrgsnt in the hand!rng o! your l.arC. !n any ra. 2. yo..r Ia<3b„Ity wtlt not exc_ed ~-;0 hole t; ,lance ex, C~edsi your Crr~dd Lyre, you mull i•nmedlately p3 j the zxCras upon our ~. CREDIT TINE - ti we approve your upplica±iar,. ',ve will csta' Bsh ~. set i dem.:nd vv'a w i; at,p,> payments m he toll"swing manner: 'Irst to prevrous rate tees. roptenrsnrng Lina at Cradrt for you and notify you of rte arno',.nt wren we i5sua the i titan .,; pre•:CS cast advances rlnan;;e charyas, thin to previous purchase hnanae CrTrd. YOU .agr8v not IO Let tits aCLbUnt'JalanCB EYC@~'1 tni5 arptp4'PQ'„rE^,.1 Ll It :.3r^,1 '., Cn3f(7$S. ,`he'"I iG CUrrUn' ld'P. fFFS, (h6't ir3 prBLtOU5 ^.~a5h aG}'JanCa b2=anC@S, tt?En t0 p2y:nenf yC!U r"rake On^°r dC~; tin. .:ril restore ynv' (frees>t Lyn; Jy C E' ~ ,i~r`.r,al th_ K;rr•Vrpug pJrLtcSd C<r.Br.cES in foe Crruer tt;a: they walq p ;5'etl to yaur aCCGUnt. than payment v.hicn is a,,,rl o~ to li~. pnncrp3l you nrry r..>quest ar. I, .rase r r~o:.r ::ri;'d8 to crrnerd cash t,1. an,,e haFUC.^s. amt !hen to c~%2nr pure r,.ac b<ela nC.~S- ~~ Cash Advances. ..r ~_L:'...I;-,t: :.,, r-,....f. ~-~::;,, _,. ... c:'r. ~. :i".-, 1:I[:t; .. ,.r ..,~ , 4 t if'~'.rl~ '. j:::l.- t.r l! i. Ily ,.~.rl . ., .. .. i::... :;<c~st,?r,t-y ANNUALpERCEttTAGE RATE a. ....,..,,. r`'e;:i,. r, •: t 1 8atanre Computation f.tethod n rrac ~', g:e .artrc~ !;;r P r : yes -h~ Avs.ra .~> G-,tlr h„ :. _ '. I P,.r<;P ,., t,.~.,<tC.,,,., s:Kn,u..r.::: b, a,lii~^q;t., Jauy Cad r.~5 iP.rc.r:n,~~ ?r,, _ ".in, i:r.,:n dog in the a! „a c.Cle, rind t':en ;: vldin„ b... e nr. n'ber of cloys i^ tre [tlt r• r e Ta ca.a'!sfe r 'ify j I rC8 F ~JJf h3Sc, dC"i :1.,J 4E .hL r ~U. ..14..0: 4JU t<1F;F fhii c..t,..andir~~ a;at<rr.ca .uf amau t yu:r CrKUy ~;, the atsrt ,t t. _ .1~-, tht~n, In :rte scawsrce n wh,ch an:aut„ ~ir,> pasturf :o yo~~~r eaceount, we add r,. acnounls of aH deans and subtatc! the amounC; 01 all credr!s ar paytnonts v.'hri'h p,e. to your sccocrlt ;hza day. A ,c•r a;rDying payrnu:ts and crrarts wr. _uttra:; tr an'raura ct any unp,r:d r`i:':an.:e tt.rarges or tats Cn.irgus "rr_n °:e also s:.bnact u anrounl err a'ry Cash Advance trrtr^sac4inns thet posted to your a::oaunr ;u tt<1r day , rn any prevk,us day m the oill,rg cyrc`s-'Cots gives us trra Dady Oatance fur purr, it:a. -~ 5 R~eragei Pariy~ 3atanre fvr Casn Ada3rx~•s -Cash ficivrrrrce t.an.;..rraas w...°t a:e posted to year account ara oat :nw.uderJ in :rte Average Daily Aalar~o catcuiatton t;: purc*tasas. and ara frerafare oat subgsct Ia the monthly periodic rata ic, rurctrases rn Atrorage Dally E3alance rs calausatad saparatah,' tar Cash Advances and i5 sutjet± te, trte Cash AWanve tvtrxithly P~Nrladre Rare.. Tha Aventge Dally t3a4:rnce for Cash TrahsaCtl~: rs cak;uiutsd by adding tt.e Daily Br~tancas (Cash Transaction}tor Bactr day io. tt1E: bin:n t:yc~, and then dividing by the number Of days an the billing cycis Tc s;aicu.ate tr n. pat' Ets~iance far cash warn day, wa take the iafk~wing steps. Wa take the outstanding t;aianc (ai! amounts you rxvaj at fha stzln of the day. T?fP.rt, ,n the sequence rn wrnch amount are posted to your a.ounL wet add the amounts of ark debits and subUact Lie ar,~aurrt. c'. aft credos or payments whit post to your aaWUnt chat day. After aprAying paymsr,+;. area credits, are subtract tea amount a` any unpaid Finance Charges c:r La:a Crtarga:. Then we also :.ubtraat the amount at any Purchase Trartsactians that pastod tc yo t acc+auM on tftal day or in any prr~dous day in fha billing cycla.'''his gives us the Ga.. 9afance far Cash Advarr„a Trarrsau~tions. Note: Cash Advances are always subject t finance charges aced from the day they are posted to your account Payments are apptled in iho following manner. Fret ro previous rate tees. rhen t previous cash advances firtaoce charges. than to previous p+.;rcnase tfnanc charges; [hen to current fate lees, Ihan to pre','jous cash advance balances, tr~an t previous purchase balances in the order that they xrers posted to your account, t`iBr to current cash advance balances; and Then to current purchase balanaas, Cradrt are appfaed first to the parriaufar type a1 c~bt which is being craditaa, i[ arry, and fha to the batan;;s of ;roar aacaunl. Note afsa fltat it the total of the payments and erect+ts wh~h arc pasted [a gnu account try Ina PayrttanE Duo Date shown on a statement is equal to nr exceeds th• New [3atanaa shoo>n on that statement, we wt}i oat apply thB fsAOltthly PJriod+c Rtt' to your AcCOUnt an your next statement. ' B. DEFAULT - Yau wits be rn default it you tad to make any Minimum Payment withi 25 days aner your month€y' statement closing lake. Woo authcrixa us to transfer fun0 suttx:ienk to make ins minunum p&yment due It your Visa loan Is In ~9etaWt Yoa 'rori also be in default if your abiliry to repay us is materially reduced by a change in you employment. an increase in your obligations, bankruptcy dr insar;eery prncesdiry: rnv;,rv~ng you, your death ar your failure to sbkte by this Agroamant, er ;f Ind varuc :i err sdCUrily mterast matanafty decanas. '.Na~ have the right to ciamand in;rnedrr,t<~ payment di your tun account balance rf you dafaolt, subject to our giwnq you err notcce required by taw. Tn the extent permitted by law, ytru will also be ra,;tuiretl to pn aiir cOtlrtcfton expert Ses. rnClUdinq CUUrt Ca5I5 and rea5onablB aa6rnfly fr.'@S- 9. USING THE CARD - .u m u.9 a purcnasa or cash advance. therU ara tw: atternaGvB procedures to oe followed- Orta 's for you to rxeser;t fife rarC rc , participating Visa pies merchant, Or arathar financ,al insnlunan antl : rgn the sulot or cash adoante draft white wilt be irnpr'nted ,vita your cartl. Tha Other Is .o : ~r,ip~ . the uansacnan by us,no your Personal lderrilfcatton tdumoer ~PIPi) in confuncaro% suit"~ tlra card :~. an r+utvmated Tenor Macr~ine or ~tti~;;.r ryes at ei~rtr,m:c terminal rh~i ;,ravcdas access to the Lisa system. You agree that you w,ll oar use ~~JOUr card for a transaCYGn ,hat rs illegal undrsr app,i+;aole fe.deraf, state. or feral ;asv. The rnon,riy statement wdl identity :rte merman:, Fiertronio trrminai or financu3l ~ns[ituYron a which tran.atU;;ns were math:. but sale, cash advance, credit Gr rL'tar sires canru. .. _.. _ ' 12. FOREIGN 7RANSAC'i'tONS - r:,~ ca r.i:uJt Id,; !,:, r r ~. ,r~.rs .: r.,n ,. ,:I r_, .y~_~dtr.tiPlr;lcu n~;u;~..k.r,xo~.e a .i.l,: „titt.... ucr:s::ra•a . • ,.. .,1 Gv VIS .:r,iR1 .i :E r it C ~'; a+'7 24b a: tar. '1 M.; nj L, < , C4f(e=n_ ;lr.. E:'..; Jt lhv ,,pl _r.. r. ..r; r r;.. pr;.r._ d ...... .lx::`: ra;_ nay . tr, ircr~: ur. n.t<: ':`Sa seir . ,. ~, , r ~, ~ :~,, : t, q a r ..: ~ ,.,..J.7 .. c ,-: r f~,, frr ~,t:, i,uL:t, t.ct,e (r,r u. •in~ I Ede Ir GaC::' n;_d'1;:_. -i ..., r.,.ir'~a?r' r'ily t':e '3. nPS:. r:, rJ ltd. ^;1 Cr: tot. I .l3 irB ; n, , .'c;J rl ~~y V T hc. wl.:n t , t r ,;.n 1 r'n aritu r wtl'. tx r ~: ,,:. lln.,.a...rri.I . ,.f crt I, t rt,f .r .hur r;i),. .ry _I~'ff rS r,. 1 . J`~,l .,..III Yj '~ .I _ i,:3r~ %$S.. r. e :~ 13. SPECIAL RULES FOR VISA PURCHASES - It y,r Jis•ai;n.u ..r t:nd <i°'~ 6rrGr l ~ eJi[h 8 Ji`ya ilalloaC{IL~r ,,i,:1 naYC tr,~d to "'aoC faith: G7 Ca`reGt the p'v^bla^a ,rth ttt •~ e r:err,n,eru ,r the Citalge_ ..c. tl.,~ reS;lt r,1 unit:.;fha+,:!sd r,r Ira,:as.l , se x ' :.: p:rc ass riot ;,;,re than '..5i) and , _s rrr=adc front s t,'3r rrrsna ~ t r. oc,r std!4` : vrd t .t l OCt r.°il6s Jf your t ~mr,. ~C:ntsc". PSECU. ti. DiSPUTEO TRANSACTIONS - You are raga red h' nut:Py P ,EC:U r., wet€ng :arthia 6G tray brr :,w,rn;; C tE; date on w~nrtn wa ..e,'t yor~r s,.~,tr.ment xr~nrein the e~rrrr r or pr•abtect hr,t appet,rarl ragardirg any d:~Crepancy nr unaurnan: e:. dans<+Gfan on e your aicoe:nt. TeriepMtan,nq PSEI';U dcsas nal preserve v?:rr cLS~xrte rights You may ', e ! be raq,irC•i1 to proc'fde us yvith dna;;ntentahort to sur'rpari your dispute clalnis fro s ~ edd;;~ch, you Ittay be ragaued to c,~rnpieta a standard nisputa form outlining Ute s ;t details of your dsputa In cases at fraudulsnt card Ise, F'SECU wlrl also raqu~re a ; y ! nOtanZ.etl atfidavft. In 5ar~.e Ca5a5 w'B rty&y ask you t0 ROIRy th6 local authordre3. i e I 3f we c1o not receive ;ho proper requested documentation in th:e Grne specified you s ? niay ba held rasponsiblP for Ufa :raps;lei;on{s1 in question, PSEGU must adhere to `' ~ strict dispute tlmaframes set forth bry 45sa- ~ ', i5. SECURITY INTEREST - To secure your account, you grant us a purchase ' ilVr ey iii: iii ly ,.cr.~o J Chu };; ~. rnerU t..,...c .i'•^r1° l"r r purehasL rhrougt mu acc'a:,nt ~if you dafautt, sae wifE nave the ~nght to ,ctaver any of Q ; fosse goods :nhhh °rrE, have not beecn paid for through our apprr?tran ar ;our ~~ ' payn>r.rris ;n the mar.r:er dcscr,ivad rn the l~tonthiy Payment saahan diht re pod to itl4S a4.CaUnI Ant Wa wlli oat aBSt,rt aft aWYar rir ht we nt8 t1CNE. if Y. Y st" Y ,! Y You ara in ; a j dalaufr to provost wnftdrawal of yow unph?dgFtd ,relit union effaces (Drpositsl °~ k' Gclaw lh9 unparJ batante at your ae,:aunt. However, If yoi; give or nave grvon us a ' a f specrtrc pledge rtt your cr©dit union shares iDapesrts) by s+gniny thte Pledge of ~; ~ ; Shares ar otherrrisa, ar any other ss~urity mtsr'asts far air your debts. your account t s ~ will ba secured by your pledged snares tDaposits) and by Ina property descritK3d in e n those other securrry agroentsnts, uzcc-pt !or }our hon,a s ! t6. EFFECT OF AGREEMENT - Tttls Agreement s th6 contratt wnicn appi:es to j r j an iranSGCtranS an your aC.C:OUnt ev(in Ntcugtr the saves, rash advance, credit ar a ~ other slips you sign or r~caivo may contain tlitleront livrns 'vVa may amend the i u : Agrrtsmsnt Tram flocs to time Irv ser,dinq you tits advance written notice required by taw. Your use of the card thereafter will indicate your agreement to the amar:dmenls 'ta [h,? extent the taw permits, anrt we Indieats in our noGCa, amendments well apply s ~ to yarn existing account balance as well as to future transactions. i i 17. LATE PAYMENT CHARGE - if your Minimum Payms~m Is no; racarvcra by :ha r ; first day of iho rttanttt foliovJir.g your duct data, You witl be ,ut?jercr to a S20 charge. i : i 18. RUSH FEES -You may incur addd,Ortal 'verges to+ ~asrv era ssrnq and rusPr t. ~ dalive~ry Of cards andlar PEP1 metier. ~, 1 g. OVEfl OMIT FEf - A 5 tiI fe wilt tx a{?p6aC itin seen n nihly statement ceasing data V pn w;riCty the autstanduv~ lrrrkrr-ti:f# axCE„' Js tl7Et as JnEru cxc •t !tout try rrtxe t!t:,n 51i,) 20. DRAFT COPIES -You may incur 3 t atlarranal charge for transaaron ~' • summaryrsais arch daournuntat:on 3 21. COPY RECEIVED lev ace inwtadge recc,p' ~! a coy of rh,s tsg:eemerit 22. ILLEGAL TRANSACTIONS PROHIBITED l;>u r u; toot :, w:n a use ' ! y^ur cartl hx ary transac,r.,n tl~ra. Is ros~gal undo Gpp:h~abrt fedarrll...td e. or iacG~ taw. t ! 23. NO USE - Inact,ve Vista atrvu s. rt:,t have no purchase or Lust uc t~vdy may t~:> dosed without noire to you aster 't5 ntonih~, of r-a actvrty 24. NEURAL NETIYORK - PSGCv .r_es neural rte*, ,. k ;gets. s to predrC: ono t i faovent unauttorized transactions. n~.t:re rtta} be uc rrsr.'+:, :v~nen s fransartron is I ~aetlin ed CreanU Se I: i5 ,'id::,ai t'r' ~~ [,....., L, . iravd Jlr. fl. arts\'ify PSECI~'; VANBSSA lv1 WILSON 322 N FRONT S'f APT 1, WORMSLEYSBURG, PA 17043 llear VANESSA M 1~VILSON: 10/01/2009 PSGCU has made numerous attempts to contact you and to negotiate suitable payment arrangements. `Nc received no response. Your Signature Loan is 150 days past due! This is your final notice. Unless we receive the payment amount of $500.00 by 10/16/09, we may refi;r your account to our Legal Review Committee. If this occurs, a judgment may be entered and executed against you. All court costs and fees will be added to your loan balance. If we do not take legal action and payments are not received, we will charge off your account. You will still be responsible for the balance. In either case, your status will be reported to all national credit bureaus. This is a serious situation that requires your immediate attention. If you cannot make the Rill payment, we are willing to negotiate a reasonable payment schedule that fits your needs. Call me today to see if we can resolve this situation. I can be reached at 234-8484 in Harrisburg or call our toll-free number, (800) 237-7328. At the menu prompt, enter 6 then extension 3123. We are open from 8 a.m. to 8 p.m. Monday through Thursday, 8 a.m. to 5 p.m, on Friday and 10 a.m. to 6 p.m. on Saturday. Sincerely, Lisa Messner Account Advisor pennsylvanla Stato (Employees CrodN Union Main Address: 1 Credit Union Place, Harrisburg, PA 1 71 1 0-2990. 717.234.8484 •800.237.7328 Malting Address: P.O. Box 67013, Harrisburg, PA 1 71 06-701 3 • 717.777.2160 (TDD) • 800.472.1967 (fDD) psetu.tomt Tfils aedh union is fademP.y inwrsd oy the Nohonal Credit Union Admfnishobon Equol Opporlunily lender SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson OFFICE Sheriff FILED" Jody s smith CAF THE PROTNONOTAR? Chief Deputy 2010 DES 29 P? 2- 51 Richard W Stewart C 0 COUHI'y A r Solicitor UMBERL PEI??SY??ANIA Pennsylvania State Employees Credit Union vs. Case Number Vanessa M. Wilson 2010-7736 SHERIFF'S RETURN OF SERVICE 12/22/2010 04:15 PM - Shawn Harrison, Deputy Sheriff, who being duly sworn according to law, states that on December 22, 2010 at 1615 hours, he served a true copy of the within Complaint a Notice, upon the within named defendant, to wit: Vanessa M. Wilson, by making known un Leroy a yer, adult in charge at 322 N. Front Street, Apartment 1, Wormleysburg, Cumberland County, enns Iva is 17043 its contents and at the same time handing to him personally the said true and ccrre ?y o the same. C, SHERIFF COST: $42.40 December 27, 2010 SH?WN HARRISON, SO ANSWERS, ROW R ANDERSON, SHERIFF No. 10-7736 Civil Term IL1-- 0-(-F IC A,fiY c1€. Tt Z4`[HONO gall VE8 -1 At il- 01 CUMBE HSYL%4" A TY PEN BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 717.299.5201 PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. VANESSA M. WILSON, Defendant Attorneys for Plaintiff Pennsylvania State Employees Credit Union COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 10-7736 Civil Term PRAECIPE FOR JUDGMENT Enter Judgment in favor of Plaintiff, Pennsylvania State Employees Credit Union and against Defendant, Vanessa M. Wilson, for want of an answer in the amount of $29,915.98 plus costs of suit. (X) I certify that the foregoing assessment of damages is for specified amounts alleged to be due in the complaint and is calculable as a sum certain from the complaint. ( ) Pursuant to Pa. R.C.P. 237 (notice of praecipe for final judgment or decree), I certify that a copy of this praecipe has been mailed to each other party who has appeared in the action or to his/her Attorney of Record. (X) Pursuant to Pa. R.C.P. 237. 1, I certify that written notice of the intention to file this praecipe was mailed or delivered to the party against whom judgment is to be entered and to Q1114.? Fdaltcf 31208211 Ck-?k?alS 1 No. 10-7736 Civil Term his/her Attorney of Record, if any, after the default occurred and at least ten days prior to the date of the filing of this praecipe and a copy of the notice is attached. BARLEY SNYDER LLC Date:W By: a . Long, Esquire Court I.D. No. 83774 Attorneys for Plaintiff, Pennsylvania State Employees Credit Union 126 East King Street Lancaster, PA 17602 717.299.5201 NOW, 'Feb. , 2011 JUDGMENT IS ENTERED AS ABOVE. Prothonotary/Cler , Civ' Division By: 0-t-, e-- l Deputy 31208211 No. 10-7736 BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 717.299.5201 PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. VANESSA M. WILSON, Defendant Attorneys for Plaintiff Pennsylvania State Employees Credit Union COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 10-7736 To: Vanessa M. Wilson 322 N. Front Street Apt. 1 Wormleysburg, PA 17043 Date of Notice: January 13, 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 31085221 } No. 10-7736 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 Lawyer Referral Service 32 South Bedford Street Carlisle, PA 17013 800.999.9108 BARLEY SNYDER-LLC By: Shaw W. Long, Esquire Troy ft Rider, Esquire Court I.D. No. 83774; 206319 Attorneys for Plaintiff, Pennsylvania State Employees Credit Union 126 East King Street Lancaster, PA 17603 717.299.5201 31085221 No. 10-7736 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. VANESSA M. WILSON, Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 10-7736 PROOF OF SERVICE COMMONWEALTH OF PENNSYLVANIA COUNTY OF LANCASTER : ss. Colleen Brelje, Paralegal, being sworn according to law, deposes and says that she served a true and correct copy of the 10-day Default Notice upon Vanessa M. Wilson, 322 N. Front Street, Apt. 1, Wormleysburg, Pennsylvania 17043 by regular mail on January 13, 2011 at 5:00 p.m. BARLEY SNYDER LLC Swo? and subscribed before me this [?- -dad o E , 2011 By: - I?? ? V?O C Colleen Brelje, Paralegal 126 East King Street Lancaster, PA 17602 717.299.5201 Notarial Seal Lisa DeSano, Notary Public City of Reading, Berks County My Commission Expires May 12, 2014 3108522 1 Member. Pennsvlvania Association of Notaries No. 10-7736 Civil Term IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY OFFICE OF THE PROTHONOTARY CARLISLE, PA TO: Vanessa M. Wilson, Defendant YOU ARE HEREBY NOTIFIED that Pennsylvania State Employees Credit Union has caused a judgment by default to be entered against you with the Prothonotary of Cumberland County. The judgment was entered on Feb. "?r a011 , to No. 10-7736 Civil Term with the Court of Common Pleas of Cumberland County - Civil Division. The judgment is in the amount of $29,915.98 plus costs of suit. PROTHONOTAR By: 31208211 No. 10-7736 Civil Term BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 717.299.5201 PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. VANESSA M. WILSON, Attorneys for Plaintiff Pennsylvania State Employees Credit Union COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 10-7736 Civil Term 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 Vanessa M. Wilson, 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: 322 N. Front Street, Apt. 1, Wormleysburg, PA 17043, 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 LLC By: Shawn M. Long, quire Court I.D. No. , 774 Attorneys for Plaintiff, Pennsylvania State Employees Credit Union 126 East King Street Lancaster, PA 17603 717.299.5201 31208211