HomeMy WebLinkAbout11-3582E N0 i i'0NOTAR Y
iJ L-
COUNTY
i` S YLVAN:IA
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.
JULIE L. LEWIS and
BRIAN K. LEWIS,
Defendants
Attorneys for Plaintiff
Pennsylvania State Employees Credit Union
COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION - LAW 1
No. I ) 35 0 lit o
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.
3160534.1 .S a a
a?$a? OekA 41fto
ex as7 706
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.
JULIE L. LEWIS and
BRIAN K. LEWIS,
Defendants
COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION - LAW
No.
COMPLAINT
1. Plaintiff, Pennsylvania State Employees Credit Union ("PSECU") is a
Pennsylvania financial institution having an office at One Credit Union Place, Harrisburg,
Pennsylvania 17110.
2. Defendants, Julie L. Lewis and Brian K. Lewis, are adult individuals with a last
known address of 843 Melissa Court, Apt. 303, Enola, Pennsylvania 17025-1501.
3. On or about August 10, 2009, Defendants applied for a Personal Service Loan
and Visa with PSECU and on August 13, 2009 executed a Personal Service Loan and Visa
3160534.1
Activation Notice ("Activation Notice F). A true and correct copy Activation Notice I is
attached hereto as Exhibit "A" and incorporated by reference.
4. PSECU approved Defendants' application and opened an account ("Account I")
in Defendants' names for the Personal Service Loan and an account ("Account II") for the Visa.
5. Defendants received a disbursement on Account I subject to the terms and
conditions of PSECU's Loanliner Credit and Security Agreement and Loanliner Addendum
("Agreement I"). A true and correct copy of Agreement I is attached hereto as Exhibit "B" and
incorporated by reference.
6. Defendants are in default under Account I and Account II for failure to make
payments when due.
7. The balance due and owing to PSECU from the Defendants on Account I is
$1,119.09 plus attorneys' fees/collection costs of twenty percent (20%) or $223.81, which totals
$1,342.90 plus costs.
8. The balance due and owing to PSECU from the Defendants on Account II is
$19,191.54 plus attorneys' fees/collection costs of twenty percent (20%) or $3,838.30, which
totals $23,029.84.
9. On or about August 10, 2009, Defendants applied for a second Personal Service
Loan and Visa with PSECU and on August 11, 2009 executed a Personal Service Loan and Visa
Activation Notice ("Activation Notice II"). A true and correct copy Activation Notice II is
attached hereto as Exhibit "C" and incorporated by reference.
10. PSECU approved Defendants' application and opened an account ("Account
III") in Defendants' names for the Personal Service Loan and an account ("Account IV") for the
Visa.
3160534.1 2
11. Defendants received a disbursement on Account III subject to the terms and
conditions of PSECU's Loanliner Credit and Security Agreement and Loanliner Addendum
("Agreement I1"). A true and correct copy of the Agreement II is attached hereto as Exhibit "D"
and incorporated by reference.
12. Defendants are in default under Account III and Account IV for failure to make
payments when due.
13. The balance due and owing to PSECU from the Defendants on Account III is
$1,025.16 plus attorneys' fees/collection costs of twenty percent (20%) or $205.03, which totals
$1,230.19 plus costs.
14. The balance due and owing to PSECU from the Defendants on Account IV is
$19,398.81 plus attorneys' fees/collection costs of twenty percent (20%) or $3,879.76, which
totals $23,278.57.
15. PSECU has demanded payment from Defendants, but despite these demands, the
Defendants have refused and continue to refuse to make payments.
16. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq.,
Defendants may dispute the validity of the debt or any portion thereof. If Defendants do so in
writing within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will obtain and
provide Defendants with written verification thereof, otherwise, the debt will be assumed to be
valid. Likewise, if requested within thirty (30) days of receipt of this pleading, Counsel for
Plaintiff will send Defendants the name and address of the original creditor if different from the
above.
3160534.1 3
WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union demands judgment
in its favor and against Defendants, Julie L. Lewis and Brian K. Lewis, in the amount of
$48,881.15, and costs of suit.
Date: I
BARLEY SNYDER LLC
By:
Shawn M. Long, Esquire
Court I.D. No. 83774
Attorneys for Plaintiff
Pennsylvania State Em
126 East King Street
Lancaster, PA 176
717.299.5201
Credit Union
3160534.1 4
VERIFICATION
Pennsylvania State Employees Credit Union
v. Julie L. Lewis and Brian K. Lewis
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: /?QI
Gregory R. Diffenderfer
3160534.1
00'r/
EXHIBIT "A"
bC( 6lq6gqo
POOR -00PY
PICI RSONAL S-ER11ICE LOAN AND VIsaQ1 ACTIVATION NOTICE
Loan Information 48/12/2009 lief 0: 852F9-5-27-4
Applicant. JULIE L LEWIS Vloma Ucphone., (717) 497-2636 Work Telephone: (7I7) 909-7118
Co :Applicant: BRIAN K LEWIS Approval Amount: $20,000.00
For !n[cmal Use Oltly: 9024962263533
We amnowledge receipt of the PSECU LOANLINERG Disclosures and C.redlt Agreement and afire to be bound by the terms sec
forth la aid greem t
r4_ q-l
SID o of I R Date Signature o B7 C' LBWIS
I Data
NOyt TO CO-APPtaCANY. I acknowledge that I am [tllgiWe for membership in P36CU, and I promise to establish mernbelship wah PShCU as
promptly as possible. Also, the Co-applicant Is a person who Is responsible for the Mire debt. The Co-applicant will also be obligated to pay fees and
collection costs if any. PSECU can collect lhls dab[ from the Co-applicant without firer trying to collect from the Applicant PSEC1J can use the same
collection methods against the Co-applicant that can be used against the Applicant. Ir this debt is ever In default, that fact may become a part of the Co-
applicant's credit history. As a Co-appilcant, you should make certain that you want to accept the responsibility for paltlgg nla•eatlr .,--
Personal Service Loan Options VISA SERVICINO UM
1 would like an Immediate Personal Services Loan advance of $ Purpose: R$C'? ?(J?i 0?9
Send a Q Check D Deposit to my Share 4
Select your Personal Service Loan repayment option.
Q Payroll Deductloo D Automatic Translbr 0 Direct Payment tom )0omebanking B SP plated By
• For overdraft options, co
from PSECU mplete the nclos dt pverdrattTransfer Service sheet and d return urn it with your Activation Notice:
Visa® Options
• I tvoetld like an llnmeditite Visa($ advancoof$ Purpose:
Send a D Check 11 Deposit to my Share 4
You must select your Visas loan transaction repaymcn[ option.
D Transfer H on 1 Day (select rr?i0
Trtutstc- D Minimum Amount LI Alternate payment mnount of $
D r automatically from PSIECU account on the 250t ofeach month (select ono):
Minimum Amount El Alternate payment amount of $
T?ail a payment monthly by the 25't'. 11 1'rovlous month's balance
• ror overdraft options, complete the enclosed Overdraft Tnutsfer Service sheet and return it with your Activation Notice.
• You may have one additional card issued on your Visa@ account. Indicate your choice below:
El Ptesse isseman udditional card (with Cho sumo Visa(& number as mine) In Ilia moue of Ilia ao-applietnt, BRIAN K LEWIS
j] Pl ;tso issue nu additioual card In the name bellow, l authorise hinVhw to use It and t accept hell rosponaibllity for uli chaept+s;wd/or
cosh udvances just es though 1 ntudo them, Authorj&A card holders may rdcr replaeemont cards or obtain Vlsuio account
infortpociwt (I,a dewilcd transttetiuns, balance itt[brmutlon, puymanl act' it
AR /y ?? ?LI L LEWIS t Lust sl below.
+
Narne of Aut/thorized Gard Holder? Y) JU Signet f JY, U L LE '(5
Select Your Personal Idundilcmion Number for your VisaU card
Sol- a PIN that is not cstily idcntilicd with yut4 and writo your PIN In the spucos provided. PSBCU dual not k
wldtoyt 3 PIN. You will need this Pay to muha cash a3Vnneas card
on your V1su?t line Ctf ixodtt
yk+ PMI-A,.. Please do not ass the !criers n ?,? 2 re a., .. e.._.._, ...
AN N ..,....1.t...a,... _--- __ ?pyourPlNOnfde. Wocaunutprotiucrs
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EXHIBIT "B"
Penns lvanis State EmCre
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Loan Disclosures
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LOANLINER' Addendum
Instructions: lh his o Iu ?•:ccrr t d 'ntu :. rd becomes port of your LOANLINER Credit Agreement. Please keep attache9-
First Payment: Yu { is cu )it() ray le within 30 days from the date of the loan advance.
the Annual Pence ,age Rat .crespo c uoik periodic rates and omcu^r of payment for each loan subaccount are shown
I,w I` there is o y.... n s ,. i i s !. arc due dc'e of pcyme , will be determined at time of each advance and
+i: Iece 1 on thr Ac. a n \/o, cha A.v,a. r-e Proceeds Chec!c, or a_v other loan voucher or receipt. Other charges that nov
ire imr .rd are r i.e Iciii! ci in e fling fees, collection cos',;. All rates are subject to chance.
Default Rate: TH :i u. c es,,rvc oh: t- charge the highest unsecured interest rate currently in effect at PSECU.
Auto Loan to Value Financing: Rain lee on1 v^maUn15 up to 100`6 01 'he :VSRP, the Kelley Blue Book-rs or other authorized
guir_`.`s !e-ail vuh, ! Ir PSECU vvII •e an additional percentage point to the current interest rate when financing a
v -h,cle lo, more: r n 1 00,11, d ;,p tc 1, c! t.1e retaa value. PSECU makes oil final decisions regarding vehicle values and
proper rite.
Loan Subaccount
D
i Approx. Percent Present Annual Minimum Payment
escr
ption Term in Above Daily Periodic Rate Percentage (For each 5100
Months Index Rate or fraction of 5100 of
your unpaid amount)
Without With APS without With APS Without With APS
_
Aut. Loan (1) Automatic Automatic Automatic
Pa t
Spe
Payment
Service c Service
3. 0,000 loud ur„1 ?:: '-41, 121, 00020521 30019836 7.49°,° - 2 4 sl
i9 sL18
57,0,000 .ul.-o: •n+•v1.., 84 .00018466 .000'7781 6.74'% 6
49% .
$1
50 51
49
5:?,OOO vnlo,; or yr, uh•r
53
000
,
I
r i2 .00018466 00017761 .
6-74°6 6.451£ .
.
$1.70 $1.69
.
.
n
:.: ,:• pre>,
,e
>/
000 J 5C .00017096 000164: ! 6 24°6 5.99% 51.95 $1 94
,
,.
S:3 000 u1
• .,,
•
: 18 .00017096 OCO':6<':
6.24% 5.995
$236 52.35
.,,
,i„
rr
?r 3c .00017096 00016: 1 6.24°6 5.59°6 $3
06 $3
05
.00014356 000336" 5.24^6 4.99'% .
.
$440 $4.39
U..ni v,.!.:,.6:U.,6.
10,00(i I. .. ?; .00020521 00019836 7.49`; T24-6
' S l
i 9 51 18
S ?.')On I "' i
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00u adr
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t °< .00018466 00017781 6.7
% 6.49% _
51.50 S1.19
.
:,n•!!r
.n
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£b!JOC
,iLw .00018466 00017781 6.74% 6.495 5170 51.69
. .00017096 00016411 624°6 59906 $1_95 S1 94
•,:...-,°, 'i". ::•
"
" 00017096 00016411 6.24',6 5.999„ $2.36 $2.35
!P'
=
•
53
0
.
1, .00017096 0001641 1 6.24?n 509°6 53.06 53.05
.
, ., .
,
:,. .. .00014356 .000136 5.24°6 4.99'.x, 54.40 S4 39
Linn uex,oot 515,000 ve..i ep 34 00024384
8.905 NJ?.
$1
60 °fjA
;9,000. 9
00.. 9 C 30020334
-N A E.90"L. N s, .
S2.07 •:U,
.0002.384 8 9046 r $24E fd
?A
u , 1 ..,,OVC .. 3d 000243E!-A
.
8.901° NA ,
53.7E NIA
IPA Loun 131 .0000887; ?_ 3.2:N, Q, $8,49 rd,',a
Share Loan (3, 4)
`!.., S''0110 ?
t 00002877 3, 24'k V7n $541 •:/A
$1.00C
O
S . 2 k! X10;38877 ,
3.24".° S2'23 `.;'?.
_
4 ... ... ?,. .(0005877 324% . A S0A8 ALA
Certificate Loan (3, 4, 5)
;7i4 ;;/,:
Parsonal Service Loao(PSL)16) .000353.2 ii-, i2
Personal Service
Si
-otu
L
PSSL o c5 JCC2712 .N-A . e 90;6 ,dry
g
ra
oan (
)
. nd,- i 1 r r::ni r, r, nl-- .._ ,.ndpo!, and fees have been paid according to your plan. o 1- PSH PO. Box 67013, iorisoorg, P4 17106-7013
romans ravntenf Serv¢e?APS} c- (ic - ! , i I 25-1., eduction, a: the time the loan is set up, you must select to have your vehicle
i:ide ,: a er Se c °„ y-ci' Deduction, CcsF k includes; psecu(,?home a, and Self Service
-I1O I vr> y - c s ^nt e c:.o^.ge or postpone the a.,tomotic trarsfe cony time after your ba
< r- y n c i I. e^ , e.C.y c .., of the dote of your last payment) `or any outstanding balance on the loan. If
l•' 1 is '' ti t' s v b... pay^ier' .noun, wi i remain the same, however the term o' your loon will be
PSL Minimum Payment Ranges (per thousand portion thereof
FIRST PAYMENT: Your first payment is due and payable within 30 days from the date of
the loan advance.
Minimum Monthly Minimum Biweekly
Loan Balance at Time of Advance Payment Payment
19,000.01 to 20,000.00 400 200
18,000.01 to 19,000.00 380 190
17,000.01 to 18,000.00 360 180
16,000.01 to 17,000.00 340 1 70
15,000.01 to 16,000.00 320 160
14,000.01 to 15,000.00 300 150
13,000.01 to 14,000.00 280 140
12,000.01 to 13,000.00 260 130
11,000.01 to 12,000.00 240 120
10,000.01 to 11,000.00 220 110
9,000.01 to 10,000.00 200 100
8,000.01 to 9,000.00 180 90
7,000.01 to 8,000.00 160 80
6,000.01 to 7,000.00 140 70
5,000.01 to 6,000.00 120 60
4,000.01 to 5,000.00 100 50
3,000.01 to 4,000.00 80 40
2,000.01 to 3,000.00 60 30
1,000.01 to 2,000.00 40 20
U p to 1, 000.00 20 10
**Personal Ser•!ice Signature Loan Minimum Monthly Payment: S 100 for original
balances from S 1,000 - 55,000, $200 for original balances from $5,000.01 -$10,000
Visa Disclosures
Finance Charge: Finance Charge ;interest) is calculated at the monthly periodic rate and ccirrespond ing annual percentage
rate on. the overage daily balances of purchases and cosh advances as described below:
Visa (Purchases) Monthly Periodic Rate .00825 Annual Percentage Rate - 9.9%
Visa (Cash Advances, Checks) Monthly Periodic Rate .00825 Annual Percentage Rate - 9.9%
Minimum Payment: The minimum monthly payment will be either (a) 2.0% of your total new balance or $20.00, whichever
greater, or (b) your total new balance if it is less than $20 00, plus (c) any portion of the minimum payment(s) shown on prior
stetement(s) which remains unpaid.
Collection Costs: You promise to pay all fees and costs cssociated with collecting the amount you owe under this agreement.
Such tees shall include, but are net limited to, attorney tees not exceeding 20% of the outstanding loon balance or, fees poid
-a ou`I Side collectors or outside collection aoences- pro" dad Ike aggregate C such collection lees '^^t ir.cluding CGSisj G'U J'
exceed 20% of the outstanding loon balance.
Late Charge: You promise to pay a late charge of $20 if your Minimum Payment is not received by the first day of the most!-
follcwing your due date.
Overdraft Option: If you elect to overdraft to your PSECU Visa Credit Cord, that election is subject to the existing credit Gm,7,
this addendum and the a eement it rearese-s end the current loon policy w, the time of the overdraft. You also undcrstana
thoi or overdraft will be considered the some as a cash ;advance on your PSECU Visa cued t card and thut the c?:eni artmini
percentage rote for cas^. odva^ces will apply. TTELEPHONE INFORMATION AND rVWLING ADDRESS: For all purposes as
referenced in the Visa Credit Cara Agreement and Truth in Lending Disclosure, call PSECU at 71 7.234.8484 in Harrisburg
800237.7328 nationwide, or v rite the Credit Unicr nt: PSECU, PO. Box 67013, Horrisbura, PA 17106-7013.
P -svlvn.•ra Site Emt.in,? `.red' Union For.,,. #3100 710-
Credit Life and Credit Disability Insurance (exered through cuNA MW-11 inmmn« sodety)
CUNA Mutual Insurance Society Credit Life Insurance (cost per $100 of monthly loan balance): Single Credit Ufa .'$.070
5910 Mineral Point Road, Joint Credit Life S.123
Madison, Wisconsin 53701
Credit Disability Insurance.
The S r I Iirk c: g ss bal Dtcs This mean the rates are applied to the sum of the periodic loon
payrn , 5 ,•,
la'. T e Qle ,e use is darer r.Ed by the projected loan. ?arm of ycur loch (See
yo it loan I , .n ? t r c y loan . Fc • example, he projected term of our loan is 24 months and
tr, barn +t I , fv the rate fcit rte e.m !s .2950 per 5100 of gross balance. If the amount of your
x for r I 100 s: f,olcn 701, to :curing -,.first month of your loan is $2,400 (24 x 5100).
Our rha c t yc Hunt •e fast month. a yo-,, loan ierm would be 52,400 x .2950 x 001, or $7.08. After you
huve r . a i, yc 100 ccr?uoi Iccpayn-ent he cross balance of your loon would then be 52,300 (23 x 51001 and
out ch e : n , +•:;,: the senor IT ... i . ould be 52,300 x .2950 x 0.01, or $6.79 etc. The charges we
actually 1o,. 1" t y<.,,r are . o- you, pericr'ic state rent which you receive from PSECU.
Pleasr m vox yc c: ? a new od,u yc,u loan, you retest the loan and a new projected loan term is
determined rc_cr 4 u yc 4 c plan Please note c1sc :hrt f .he amount of your periodic loan payment is greater than the
maxim um n c1, r s, r in inc nscran e ,cnec,,e c your cer4`.f:sate of insurance, our chase to you is based on
the sun r ti- bt,ne r nor tuna: the o. periodic loan payments remaining to Se paid on your loan.
For exa ,pl , 'f ;n i 1, kii, y. ! ,s 5400 and 4he gxim r benefr' per month is $300 end you hove 24 payments
rental m"'; ,; i" t ,i t I. P f yc :r loan tc, uur poses rt this n_utarice would be $7,200 (not $9;600) and our
charger y..,- •,voold .e S, 1 24 (57.200 x .2950 x 0.01).
Pennsylnmia von'hly i2enr,vablc Credit Disability
TERM RATE TERM RATE
1 0.0000 31 0.2561
2 0.0000 32 0.2519
3 0.0000 33 0.2479
4 0.5395 34 0.2443
5 0.5627 35 0.2408
6 0.5796 36 02367
Disclosure Rates Per S 100 of Coverage Per Month
TERM RATE TERM RATE
61 0.1791 91 0.1485
62 0.1783 92 0.1480
63 0.1766 93 0.1468
64 0.1753 94 01460
65 0.1742 95 0.1454
66 0.1730 96 0.1449
7
8 0.5372
0
5070 37
38 0.2322
0
2300 67 0.1716 97 0.1442
9 .
0.4804
39 .
0.2260 68
69 0.1700
0
1695 98
99 0.1438
0
1428
10
11 0.4587
0
4407 40
41 0.2234
0
2203 70 .
0.1681 100 .
0.1422
12 .
0.4254
42 .
0.2180 71
72 0.1667
0.1658 101
102 0.1418
0.1411
13
14 0.4069
0.3924 43
44 0.2152
0
2125 73
74 0.1645 103 0.1405
15
0.3784
45 .
0.2099
75 0.1633
0.1624 104
105 0.1396
0
1391
16
17 0.3643
0
3548 46
47 0.2074
0
2056 76 0.1613 106 .
0.1387
18 .
0.3448
48 .
0.2028 77
78 0.1605
0.1593 107
108 0.1379
0.1375
19
20 0.3346
0
3242 49
50 0.2012
0
1985 79 0.1583 109 0.1370
21 .
0.3171
51 .
0.1966 80
81 0.1573
0.1565 110
111 0.1365
0
1362
22
23 0.3083
0.3013 52
53 01947
0
1934 82
83 0.1556 112 .
0.1355
24
02950
54 .
0 1910
84 0.1545
0.1539 113
114 0.1352
0 1347
25
26 0.2882
0.2817 55
56 0.1889
01878 85
86 0.1530
0
1521 115 0.1342
27
0.2759
57
0.1858
87 .
0.1514 116
117 0.1336
0
1333
28
29 02713
0.2670 58
59 0.1837
01828 88
89 0.1507
0 118 .
0.1327
30
0.2614
60
01809
90 .1498
0.1493 119
120 0.1320
0.1316
Loan Disclosures
Late Charge: If you are more than 15 days late in m-king a pcymert, you will pay n late charge
equal to five percent of the scheduled payment
Collection Costs You promise to pay all fees and costs associated with collecting the amount ycu
o,,re underthis ,agreement. Such fees shall include, hot are not limited to, attorney fees ngt exceeding
20% Of the outstanding loan balance or, fees paid to outside collectors or outside collection, agen-
cies, orc6ded the aggregate of such collection fees (not including costs) do not exceed 20% of the
outstanding loan balance.
Footnotes
(1) At the current interest rate, PSECU will finance up to 100% of the Manufacturees Suggesied Retail
Price (MSRP) of a new, current model yeoi vehicle (untitled); up to 100% of the retail value of a new-,
prior-year vehicle (untitled), or up to 100% of the retail value of a used motor vehicle ffi led.)
At the current interest rate plus one percentage point, PSECU will finance over 100% and up to 130%
of the MSRP of a new, current model year vehicle (untitled); over 100°x6 end up to 130% of the retail
value of a new, prior-year vehicle (untitled); or over 100% and up to 1301/6 of the retail value of a
used motor vehicle (titled). Maximum finencing for a member-owned vehicle or refinancing on existing
PSECU loan is 100% of the retail value.
For used and prior-year new vehicles, PSECU consults the Kelley Blue Bookr?> (register d trade.ark
of Kelley Blue Book, Co., Inc.) or other authorized guides to determine value.
Vehicle loans cannot be used to purchase commercial theft, salvaged or flood title En1CIES Tr,E
vehicle must be titled to the Borrower, Co-Borrower or bath. The registered owner he Ce, +if cote
of Title may not be a business, corporation or trust entity- Vehicles must have a minimum value of
53,000 and most be titled in the U.S. and may not be taken out of the U.S.
(2) PSECU will finance up to 90 percent of the retail value of a new (untitled, current model year)
recreational vehicle. Used (titled) recreational vehicles may be-financed up to 90 percent of the used
retail value The Kelley Blue Book ®R or other authorized guides will be used to detern.ir:e the iec,e_
ational vehicle's retail value. PSECU's minimum RV loon is $3,000. Your RV most have a ni:nimum
retail value of 53,333.
(3) The Annual Percentage Rate fAPR) for share secured and IRA advances will be the dividend rate
being paid on regular shares (Index) on the date of the odvonce plus the percentage shewr in the
Percent Above Index' column. If there is an existing balance on the dote of the new advance, the
existing bolonce will be added to the new advance and the entire balance will he et the new APR.
The rates are subject to change to reflect any change in the index. Any increase in the APR v+ill take
the form of more payments of the some amount until what you owe has been repci?7 Loan rates on
Certificate and IRA loans will not fluctuate during the course of the loan.
(4) Shores or certificates pledged must be ci ned by the Borrower or Co-Borrower unless the Shore
or Certificate owner authorizes the pledge in writing.
(5'1 PSECU will grant loans secured by Share Certificates. Maximum finencing is 90%, of the Certif!-
cate cledaed- The Annual Percentage Rate (APR) for Certificate loans secured by multiple certlftcotes
will be based or. the certificate earning the greater dividend. The term for Certificc e Icons se.-r„el
by multiple ceiti!icotes will be flm fed To the longest term remaining among them. fatly viithdrowal
of the unsecured portion is not permitted and the loon balance will be due in full d diF Cer, Brat.-
is Withdrawn Prior tc maturity. Monthly dividends are paid into the Certificate. ,y? mct„rlty, ?,?;
authorize PSECU to redeem the Certificate to pay any remaining loan balance Funds rem nninq
after re.Loyment of the loan will be deposited to Regular Shares J You do not ccntu, I PSECU on or
be=ore `ne moturity date. Automatic renewal of the Certificate pledged cannot occw evil the loan
balance is paid in full.
6) If yo :nave been approved far credit under this account, you will be given o spe,:H; - :: suit Ifm:f
by,6erdcronnlCredo U,•,-.ld?dn;=o-cahv: Eq-1O„rr,rr:,,:rr',:,d.,
EXHIBIT "C"
03/11/2009 10:42 17177612023
HERITAGE MEDICAL GRP
PAGE 02/03
?2o8 666?a
PERSONAL 9ERVJCE LOAN AND Visn® ACTIVATION NOTICE
AUG 11 20C9
Loan Informadon WI 0/2009 Rcf#: 852093
Applicant: BRIAN K LEWIS Ileme Telephone: (717) 497-2080 Work Telephone: (717) 432-8110
Co-Applicant: 7ULiE L LEWIS Approval Amount: $20,000.00 For Intornal Use Only: 4433195780520
We acknowledge receipt he PSECU LOANLiNERM Diaclosurc and Credit Apquient and agree to be bound by the forms act
forth in waida oat
to° ?V )
Signature of RR K LEW ISM Date' Sign f JULIE L LEWIS Dote
NOTICE TO Ct-APPLICANT: i salotowledge Owl l am eligible for memberahlp in PSECU, and I protNse to sstabllsh', mamba mhlp with PSECU as
promptly as possiWe. Also, the Co-apptnsnt is a person who is rasponaible for the ontlre Aabt. The Co eppkant yA filso be o0gated to pay lees and
collection costs O any. PSFCU can Collect this debt dram the Co-applicant without Rmt trying to aoMect from the Apppcz)nt. PSECU can use the trams
cotttxifon rrtetlncds apirrat the Co apptee+t that can be used agahtst the Appilaettt It ntls debt is ever in deGputt, tl ast b alas a part of #0 Co-
oppliicanfa credit history. Aa a Co-applicant. l(ou ebtould matte certain that you want to accept the responsibility for -Th%- i ??
Personal Service Loan Options ?/?, N vi?isa
• I would like an immediate Personal Service Loan advance ofS _ Pur(n>m RWtD AUG 12 2009 am M.A.. A lift
Send a ? Check ? Deposit to my Share 4 ?? By
• Select your Personal Service Loan repayment option.
? Payroll Deduction ? Automatic Transfer ? Direct Payment from l)Zt.Homebanking Self Service Telophono
from PSECU account another financial institution
• For overdraft options, complete the enclosed Overdraft Transfer Scrvico sheet and return it with your Activation Notice.
Vis04.0 Options
• I would Oka an immediate Visadit advance of S . Purpose:
Send a ? (;hack ? Deposit to my Share 4
• Y must select your VisaG loan transacFont repayment option.
R-Transfcr on Pay Day (eclcct one): imum Amount 13 Alternate payment amount of S
? Transfer automatically from PSECU on the 25ih of each month (select one):
? Minimum Amount 11 Alternate payment amount of$ ? Previous month's balance
Mail a payment monthly by the 250.
• For overdraft options, complete the enclosed Overdraft Tmnsfer Service shoot and return it %vitb your Activation Notice.
Yoe may have one additional card issued on your Vissal9 account indicate your choice below:
Please bsuc an additfanal card (with tho samo Visa@ raimb ras mine) in file nine ofthc eo-applicauri. JULIE L LEWi S
Picnac issue on additlonsl card is the mama below. I altthnrtaa him/her [*use ft sad 1 accept full rosponsiNity fbr all charfica and/or
cash advanoas just:ts though 1 made t}rcm. Authorkrd card Wdars may not order replacement cards or obtain Viso account
Information (i.e. detafled tmnsaetlans. halnnco inrornnatton. payment aetivltyl. MAN K LEWIS must sign Wow.
T-T won I'!
Name of Authorized Card Noldor Signature of BRIAN K LEW19
• Select your Personal Identification Number for your VisaM card
Selects PIN thnt Is not omily idcnli fed with you, slid write your PIN in the apnea pravidad. PSECU dots not keep your PIN on ri)e. Wa Cota,ot tavrduec n Carl
tvt:t:?„e • ut? Vm, ?v;It erio?t ntte PTN to arnica c %h advances on your yMaQp lint orerodit. Pla m do not urm tik letters Q or Z aft part of yapr P114.40d du apt U-14
?CANNIED
EXHIBIT "D"
SEC 7 l?enn.? ivt?nia State Employees Credit Union
Loan Disclosures
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Cw 3 is" rr .%it_:.cr' n 1`C''' n.o f CHEDIT INSURANCE - 1, T IiIF,
Ni.,ur-•IfS....Cti?firePlan ,iiiA C.x •_f. AH._Ilu: ?.r•v Vyoi, ,I:. ii:4 r,fl
.' Aa^J6`'C Au ymp an Dwr ww moo an town do ;'!y^V ,. f. ON M; "I;wa v [. :. rl,ulrs f'. ?fl' r la _ .. .,
Credit union. we oar ir?a us 0 -on S '-mod Cis ,-ny )0'6 t v WT ri" !f:& 1 f r ,! WC e
,: i°: L 7 yf 1ti,, F,;-,r. ed ..: i old PC, riCFt7 _lf lifnd n.,Le ?><.3ry Ica -er ... : 40Var'
Fi01: THiS (USN WORKS - `rll? !s an r?t_„.,:?: rTUi,li?,aitfr:I; c r'o'll pia _ We 1 1, , I , ;.I' .f15U Cris H rc'1.05 " r
may >a!'rj1r'"tivI t it?I'Ic
G 4 :..
I ac Ic"M ?ime ,., i'T!e, You '* 1; bo .'tv .nrnei} (Calif:?.f1 a 10ticos requ:feo by at;lpIr;:1)I:'. !an:
r- at We are not required to make advancer tv you under the Pion and car, PERIODIC STATEMENT : req'rl, r ca ,; yo'., r. . Cov.f ; _.
refuse a request for an advance at arty bme `rµ Ac7dts Ih rJav the ,0 of ._.:-tors r;nacif lh> Pill" 9Cr?IC; .I _ Irr:r, d(O(t,.
.,; r no 'ti;l .:._ , au-L;be i:-r tRE! Pon ^7"lrMK > r,t.r r,•p aI '?? ,
pm 0 To "win _
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_ n.iX It ,3 a is- tt12' be-At,,-
n ( r ! n JOINT
ACCOUNTS - I (t n arr t I r; ' n" r!;
CREJIi LIM-' - r ?=a .(ctr.'b h f ..,y',r 7 A , ,: s t ......, h,. ,'", r v.: .. _ ,..
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REPAYhIENT - 'v,,; j,
pr:?L„• v r_,, r. ,.r, ,,N r. , Ono JI'L.' Ili Oar AS, " %ii}h,r w, dii
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^r pow "s am not &a so my 0 V- r' . *,
:
,..,,_ , i u x p yrr4atl ..Ir Ida rj_15f'?i'.l t. e'. I!:(, Itrfiff o' .,.,:f, trnVanc;:,.
„,•ae 37y MU':.M PM an WM carry aMOW: Gy sl r.l y'C I? :n7£! ?I FEES ATA CHARGES •_. R Inj gn;n us a 0 _: ,._I,eL .(n s 0.`
w{. y at :Ie J t rrr it y( I t i4$,' L ! 1°VrC,'. t 'r E1 5lltIF3C4,?Etr t 'tU }y re, 4 ,S I Crypt r,r rvf 01.y ,:Iwp Y= 0 5 % fee to pEr'1w 0 a .f r.r3€' { me i;uns I :.
Ul pot _ :V. i:lE Y &S OWC Uly 1s4rr W i. K'ltlr sr)' prepayment ,pe:`ar,y .::rJr ' Y(; l t-,Ci t,.e 1V II I:?o ,i sul ..,• ct t y 1.1 a". i 11 '.(: vet, Il,s) r, i.' 7.. ,
.., ,.: , .c J I zf ne I'-la r I' Firly afi 7.4..:..u . _ ",f? Ire+?\ l• ? I.. .. _ ,i a'^ jt_ii fee. if ::,'r,r.t :1, . rv-! It. F,i l! . ;I
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I.tl, t 1n e r,..; r .. .. s.f+EDn? INFORr,rAnOra--?r_.I !!I,,
: s l w av
PLAN ACCESS AW LS
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is regairri ni 'Jernranl i;aw - NOTICE TO CO-SIGUER - YOUR
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SIGUATURE ON THM fiw mEANS THAT YOU ARE EiIUALLY LI,1 LE
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' FUR IIF:PA'YMENT OF THIS LOAN. IF THE BORROWER DOES NOT 4
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{nce under the Plan. They apply Fu hofrowers in all >,ate', except Low ,,it,wt
Luw:;iarta borrowers v:il: r=•xecul8 a separates +.ecuriry agree,nrsnt 6r,,l, va,: , ;n
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Far ''close members vino (purchase a vehidwe undo. ti,e;
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I ANY HOLDER Of THIS CONSUf IER CREDI-r CONTRA
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At I NOIT I i_l + THE DEBTOR COULD ASSENT AGAINST THE SELLER
OF GOODS OR SERVICES OBTAINED WITH THE l
NOTICE FOR ARIZONA OWNERS OF PROPERTY - I . u I •v'l , t ,+I PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE ?
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LOANLINERO Addendum
Instructions: This addendum is incorporated into and becomes part of your LOANLINER Credit Agreement. Please keep attached.
First Payment: Your first payment is due and payable within 30 days from the date of the loan advance.
The Annual Percentage Rates, corresponding daily periodic rates and amount of payment for each loan subaccount are shown
below. If there is no payment schedule, the amount and due date of payments will be determined at the time of each advance and
disclosed on the Advance Request Voucher, Advance Proceeds Check, or any other loan voucher or receipt. Other charges that may
be imposed are also shown below (i.e., late charges, filing fees, collection costs). All rates are subject to change.
Default Rate: The credit union reserves the right to charge the highest unsecured interest rate currently in effect at PSECU.
Auto Loan to Value Financing: Rates reflect loan amounts up to 100% of the MSRP, the Kelley Blue BoobA''s or other authorized
guide's retail value of the vehicle. PSECU will charge an additional percentage point to the current interest rate when financ,na a
vehicle for more than 100% and up to 130% of the retail value. PSECU makes all final decisions regarding vehicle values and
proper rate.
Loan Subaccount Approx. Percent Present Annual Minimum Payment
Description Term in Above Daily Periodic Rate Percentage (For each $100
Months Index Rate or fraction of 5100 of
your unpaid amount)
Without With APS Without With APS Without With APS
Automatic Automatic Automatic
Auto Loan (1) Payment Payment Payment
1Jewvetude Service Service Service
$40,000 1- anti value or greater 120 .00020521 00019836 L49% 7.24% 51.19 $1.18
$20.000 .aloe n, greater 84 .00018466 .00017781 6.74% 6.49% $i.50 $1
49
$12,000 value o, yu*ate, 72 .00018466 .00017781 6.741. 649% .
$1.70 $1
69
$8,000 gala. o, greater 60 .00017096 00016411 6.24% 5.99% .
$1.95 $1 94
$6,000 value o. '-t, 48 .00017096 .00016411 6.24% 5.999. $2
36 52
35
`3.000 .aloe o, grease, 36 .00017096 .00016411 6.24% 5.99% .
.
S3.06 $3
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$3,000 valu,: o, gneutm 24 .00014356 00013671 5.24% 4.99% .
$4.40 $4.39
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5401000 lone and .nlue o, 9-te, 120 .00020521 .00019836 7.49% 7.24% $1.19 $1.16
$20,000 case. o, ,,cola 84 .00018466 .00017781 6.74 % 6.49% 51 50 $149
312,000 -iu, urn greater 72 .00018466 00017781 6.74% 649% $1.70 51.69
$8,000 ,aloe o, graale, 60 .00017096 .00016411 6.2406 5.99% 51.95 $1.94
$6,000 vduc o, grouter 48 .00017096 .00016411 6.24% 5.99% $2.36 $235
53.0001.1-. u, ymvb=, 36 .00017096 .00016411 6.24% 5.99% $3.06 $3
05
$3,000 ,alv.- o, y,ea,m 24 .00014356 .00013671 5.24% 4.99% .
5440 $4.39
Reaeaeonnl `•'ehid, taw/Used (2)
! oars anwunt 515,000 and up 84 .00024384 8.9016 WA $1.60 N/A
anv,u,a 58,000 - 14,999 60 OW24384 N,A 690% NIA 12.07 -:/A
,r. --m 15,000 - 7,999 48 .00024384 N,A 8.90% N/A 5248 t i
!,
ion l 53.000 - 4,999 36 .G0024384 hl /A 8.90% N/A ,
S3.18 IJiA
IRA Loan (3) 12 2.0 .00008877 N/A 33.24% N!A $8.49 N/A
Share Loan 13, 4)
UP 1n 5-,000 19 2.0 .00008877 N/A 3.24% rd/A $541 N/A
51.001 - Si 00c 48 2.0 .00006877 N/A 3.24% N!A S2.23 NiA
0- is AOC 120 20 .00008877 N'A 3.24% p;, A $0.98 N/A,
Certificate Loan (3, 4, 5) se-as.losvre? 2.0 -.i;> k. es WA 4saar.,es N/A N/A
Personal Service Loun(PSL)(6) 77 .00035342 N/A 12,9% N/A N/A
Personal Service up to 65 .0002712 N/A 9.90% N%A IVA
Signature Loan (PSSL) manik
Automatic Payment Service IA, M): In order to qualify for the .25% reduction„ at the time the loan is set up, you must select to have your vehicle
loan payments made via on automatic service: Automatic Transfer Service, Payroll Deduction, Cash (includes psecu`c?homel- and Self Service
Telephone), Wire Tronsfer, and Direct Payment. If you remove, discontinue, change or postpone the automatic transfer of any lime after your loan
is setup, your interest rate will immediately be increased by .25`/0 (as of the date of your lost payment) for any outstanding balance on the loan. If
your interest role is increased due to any of these reasons, your loan payment amount v+ill remain the some, however the term of your loan will be
extended for the appropriate amount of time until all interest, principal, and fees have been paid according to your Plan.
PSECU
PO. Box 67013, Harrisburg, PA 1710o. 70 13
PSL Minimum Payment Ranges (p er thousand oortian thereof)_
FIRST PAYMENT: Your first payment is due and payable within 30 days front, the date of
the loan advance.
Minimum Monthly Minimum Biweekly
Loan Balance at Time of Advance Payment Payment
19,000.01 to 20,000.00 400 200
18,000.01 to 19,000.00 380 190
17,000.01 to 18,000.00 360 180
16,000.01 to 17,000.00 340 170
15,000.01 to 16,000.00 320 160
14,000.01 to 15,000.00 300 150
13,000.01 to 14,000.00 280 140
12,000.01 to 13,000.00 260 130
11,000.01 to 12,000.00 240 1 ` 0
10,000.01 to 11,000.00 220 110
9,000.01 to 10,000.00 200 100
8,000.01 to 9,000.00 180 90
7,000.01 to 8,000.00 160 80
6,000.01 to 7,000.00 140 70
5,000.01 to 6,000.00 120 60
4,000.01 to 5,000.00 100 50
3,000.01 to 4,000.00 80 41)
2,000.01 to 3,000.00 60 ?0
1,000.01 to 2,000.00 40 20
Up to 1,000.00 20 10
-Personal Service Signature Loon Minimum Montjlly Payment: S 100 lot original
balances from 51,000 - $5,000, $200 for original bulunces fruin Sb,000.0-5 ! O,CirC
Visa Disclosures
Finance Charge: Finance Charge (interest) is calculated at !lie n oni'.,ly periodicace ar,d c: , re_:Pcrniirw uol pe centaga
rate on the average daily balances of purchase; and c,;sh .i,,, ,cs ,; escr:bed celow.
Visa (Purchases) Monthly Periodic Rate .00825 Annual Percentage Rate - 9.9%
Visa (Cash Advances; Checks) Monthly Periodic Rate .00825 Annual Percentage Rate - 9.9%
Minimum Payment: The minimum monthly payment will be ei he 'al f) or yn total ne nniancc +,20 00 h,chever is
greater; or (b) your total new balance if it is less than $20.00, Ou- 1 r o, c he n, , •,un1 l,ay t•, on Pilo,
statement(s) which remains unpaid.
Collection Costs: You promise to pay all fees and rests ,v_ elect wi t: colleair d '. ,;n c n ViA; -11 a;a ay,eemtr,t.
Such fees shall include, but are not limited to, attorney tees of excez-ai, i 20-/, o the :,orsr,,air:q lo,:r , c lure,- or, lees paid
to outside collectors or outside collection agencies. o,. ui 6 ,
exceed 20% of the cutstandina loan balance.
Late Charge: You promise to pay a late cllcae: of $20 1 q 7n
following your due date.
Overdraft Option: It you elect to overdraft, your PSEC U 1 r 1 m n If,
this addendum and the agreement t repr_sents and the e I„ d. c,crt,,.,c
that on, overdraft will be considered the s n.e ac a advt. -J f j)"-_
percentage rate =or cash advances will apply- TELEPHONE Inn vin ,1 ,FI , , ?,Irl .C_; , h f .I
reierence ' in the Vro Credit Card Agreemeni crd Trish n it-r-11 1151. 11 I j 't? 1 ;-l I- .n ?Le- -•
800,237.7328 nat,or:wide, o, write the C edr U ton ,:: PSI Ct!, PCi. ,i01
5, 1 , ',>uu ,,. Psi / 1 n (?!"S
,?.. ,;?.
Credit Life and Credit Disability insurance (.e...d>th-gh CUNA htunral insumu<. S.dey)
CUNA Mutual Insurance Society Credit Life Insurance (cost per $100 of monthly loan balance): Single Credit Life $.070
5910 Mineral Point Road, Joint Credit Life $.123
Madison, Wisconsin 53701
Credit Disability Insurance:
The Schedule of Rates shown below are gross balance, ates- This means the rates are applied to the sum of the periodic loan
payments vthich remain to be paid on your loan. The rate we use is determined by the projected loan term of your loan (See
your loan plan to find the projected term of your loan). For example, if the protected term of your loan is 24 months and
the benefit plan is a 14 day nonretroactive, the rate for the term is .2950 per S 100 of gross balance. If the amount of vour
periodic loan payment is 5100.: the aross balance of your loon during the first month of your loan is $2,400 (24 x S 100).
Our charge to you for insurance for the first month of your loan term would be $2,400 x .2950 x 0.01, or 57.08. After you
have made your first $ 100 periodic loan payment, the gross balance of your loan, would then be $2,300 (23 x $100) and
our chorae to you for your insurance for the second month would be $2,300 x .2950 x 0.01, or $6.79 etc. The charges we
actually mgke to you for your insurance are shown in your periodic statement which you receive from PSECU.
Please remember, whenever you add a new advance to your loan, you recast the loan and a new projected loan term a
determined according to your loan plan. Please note also that if the amount of your periodic loan payment is greater than the
maximum benefit per month shown in the insurance schedule of your certificate of insurance, our charge to you is based on
be sum of the maximum benefits per month times the number of periodic loan payments remaining to be paid on your ban.
For example, if your periodic loan payment is $400 and the maximum benefit per month is $300 and you have 24 payments
remaining to be paid, the gross balance of your loan for purposes of this insurance would be $7,200 (not $9,600) and our
charge to you for insurance the first month would be 521.24 ($7,200 x .2950 x 0.01).
Pennsylvania Monthly Renewable Credit Disability - Disclosure Rates Per $ 100 of Coverage Per Month
TERM RATE TERM RATE TER RATE TERM RATE
1
2 0.0000 31 0.2561 61 0.1791 91 0.1485
3 0.0000
0.0000 32
33 0.2519
0.2479 62
63 0.1783
0.1766 92
93 0.1480
0
1468
4 0.5395 34 0.2443 64 0.1753 94 .
0
1460
5 0.5627 35 0.2408 65 0.1742 95 .
0
1454
6 0.5796 36 0.2367 66 0.1730 96 .
0.1449
7 0.5372 37 0.2322 67 0.1716 97 0
1442
8 0.5070 38 0.2300 68 0.1700 98 .
0
1438
9 0.4804 39 0.2260 69 0.1695 99 .
0
1428
10 0.4587 40 0.2234 70 0.1681 100 .
0
1422
11 0.4407 41 0.2203 71 0.1667 101 .
0
1418
12 0.4254 42 0.2180 72 0.1658 102 .
0.1411
13 0.4069 43 0.2152 73 0.1645 103 0
1405
14 0.3924 44 0.2125 74 0,1633 104 .
0
1396
15 0.3784 45 0.2099 75 0.1624 105 .
0
1391
16 0.3643 46 0.2074 76 0.1613 106 .
0
1387
17 0.3548 47 0.2056 77 0.1605 107 .
0
1379
18 0.3448 48 0.2028 78 0.1593 108 .
0.1375
19 0.3346 49 0.2012 79 0.1583 109 0
1370
20 0.3242 50 0.1985 80 0.1573 110 .
0
1365
21 0.3171 51 0.1966 81 0.1565 111 .
0
1362
22
23 0.3083
0.3013 52
53 0.1947
0.1934 82
83 0.1556
0.1545 112
113 .
0.1355
0
1352
24 0.2950 54 0.1910 84 0.1539 114 .
0.1347
25 0.2882 55 0.1889 85 0.1530 115 0
1342
26 0.2817 56 0.1878 86 0.1521 116 .
0
1336
27
28 0.2759
0.2713 57
58 0.1858
0.1837 87
88 0.1514
0.1507 117
118 .
0.1333
0
1327
29 0.2670 59 0.1828 89 0.1498 119 .
0
1320
30 0.2614 60 0.1809 90 0.1493 120 .
0.1316
Loan Disclosures
Late Charge: If you are more than 15 days late in mos:in,; :I r•uc :,.;rn . yoc ,,: II pny a late charge
equal to five percent of the scheduled payment.
Collection Costs: You promise to pay ull fees ar.( cvs,s ass .,u we: _i h c,llec!:nu ra wnount you
owe underthis agreement. Such fees shall ndl de, bu+ are r.c?t lim led to, attemey fao; not exceeding
20% of the outstanding loan balance ur, fees oa;d to ou;s? 9e ::dlestors ei Dvhf :?olledion agen-
cies, provided the aggregate of such, collects l es iiiot . s s; dr -, exceed 20% of the
outstanding loan balance.
Footnotes:
(1) At the current interest rate, PSECU will f nc+ ce. .p to 1 Oc the, ! 4 nut c Suyaested Read
Price (MSRP) of a new., current itodel yeur cehisle ,anti I u,, i, IUO/o no It,(c u I value of a new,
prior-year vehicle (untitled); or up to 100% of the reteil "aloe of a user,' motor .; i ck (tiled.)
At the current interest rote plus one percentage point PSECU .v ll fir,ar.ce ovei 100,0 and up to 130%
of the MSRP of a new, current model year vah;cle (unt led); Dve: 100% cool ut ', 130% of the retail
value of a new, prior-year vehicle (untitled'; or over 100% erirur, to 130°/, of t):e retail value of a
used motor vehicle (titled'-; aximc_ ;ne.^.dna fo: e me ce v r ,u ehide c urunc an ex{stine
PSECU loan is 100% of the retail value
For used and prior-year new vehicles, PSECU consults t-: Kolb Blue: Book't
of Kelley Blue Book, Co., Inc.) Dr Direr aurhooized guises r. Oe'c mine voloe.
Vehicle loans cannot be used to purchase c nvnercal, e , sctlvuged or flood titled vehdes. The
vehicle must be titled to the Borrower, Co-&,)i tower o: (^st_ The rstxed •.lr Certificate
of Title may not be a business, coipc,aton cr it us erll"y Vur::d usi hes < mum value of
$3,000 and must be titled in the U.S. and moy not be Lien out oi the U.S.
(2) PSECU will finance up to 90 pefc-ent of the re.t::il vcl:;.. ce.v (,;rshled. cu:r..F11 model year;
recreational vehicle. Used (titled) rec eationcl vehicles t iii. p to 90 i nt of the used
retail value The Kelley Blue Book ` c other ra iz 1 u d anN c e iesre-
aiional .,eh:cie's retail value. PSECU_ ,tr ni:uum k L, lc
retail value of $3,333. u
(3) The Annual Percentage Rate iAPR) for sh fie sec,e ,r i Inn l _ _ I' oe: tLe dividend rate
being paid on regular shares (Ind x) cr, the oa+ i !rit c n I pc no nn
"Percent Above Index" column. If there is an exis : to bul ce e + , do e ad nce, the
existing balance will be added to the i - advance e and tr al n r w II 6, t_n l e now APR,
The rates are suolect to cnonge + e e, inv c' c 'qe r ifdt,x APR Al taka
the form of more. payments cif t^c u , wh Lour rates on
Certificate and IRA loans will not fluctuate during the course of the loan.
(4) Shares cr cernficates pledged mist be . ? -ie,: by •h nle n
, S;rare
or Certificate owner authorizes the pledge in writing.
(5) PSECU will grant loans secured by Snore e vficcne_ !v:ur.in, eosin yii. , i< Cerifi-
cote pledged. The Annual Percentage Rate (APR) for Cert,,,- ;,e I_:cns secca:i fry m,d:?de certificates
will be based o the certificate ea ng the a eater d v, c ft„• c C. r c s ured
by multiple cern icates will be lino eu c the I oa : t,r!? it i .a ly ui,d.awol
of the unsecured portion is not Ke .,i ed um the loaf uln, :. ,;.. thr- F:cca?-
is withdra•.v prior to motwity. i7r ,1% di g n) 1 u : u, i
; y you
authorize PSECU to redeem the Ce Acute t I-Ly u^y , i, ,lo ; ,?•tr, ;e-l't n1w,
after repoyme - cd the Ica !t •..-ill i a c __;te i Peu.rl ., F<a.l on
b fore the is y jute Autcm:c c _ ,,:I 10? Ce t, r an
balunce Is pc f ll.
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Richard W Stewa
Solicitor
OFFICE 'HE ?NGRIFF
FILED-OFFICE
OF THE RRDTI-IMOTAPY
21 fl 11 APR 21 APB 10: 13
!'UMBERLANO JIi T`f
RFNNS` L.VhJflA
Pennsylvania St to Employees Credit Union Case Number
vs.
Brian K. Lewis ( t al.) 2011-3582
SHERIFF'S RETURN OF SERVICE
04/14/2011 04:2 PM'- Stephen Bender, Deputy Sheriff, who being duly sworn according to law, states that on April
14, 011 at 1428 hours, he served a true copy of the within Complaint and Notice, upon the within named
defe dant, to wit: Brian K. Lewis, by making known unto Julie L. Lewis, Wife of defendant at 843 Melissa
Cou , Apartment 303, Enola, Cumberland County, Pennsylvania 17025 its contents and at the same time
han ing to her personally the said true and correct copy of the same.
STE HEN BENDER, DEPUTY
04/14/2011
14,
PM- Stephen Bender, Deputy Sheriff, who being duly sworn according to law, states that on April
011 at 1428 hours, he served a true copy of the within Complaint and Notice, upon the within named
dant,, to wit: Julie L. Lewis, by making known unto herself personally, at 843 Melissa Court,
ment 303, Enola, Cumberland County, Pennsylvania 17025 its contents and at the same time
ing to her personally the said true and correct copy of the same.
STEPH N BENDER, DEPUTY
SHERIFF COST:
April 18, 2011
00
SO ANSWERS,
RON R ANDERSON, SHERIFF
tci GourlySuite Sheriff, 7eleosoft. Ir-
David -D. Buea
Prothonotary
Office of the prothonotary
Cum 6errand County, cennsyfvania
rkS. Sohonage, ESQ
Solicitor
/1—,35E32._ CIVIL TERM.
ORDER OF TERMINATION OF COURT CASES
AND NOW THIS 28TH DAY OF OCTOBER, 2014, AFTER MAILING NOTICE OF
INTENTION TO PROCEED AND RECEIVING NO RESPONSE—THE ABOVE
CASE IS HEREBY TERMINATED WITH PREJUDICE IN ACCORDANCE WITH
PA R.C.P.230.2.
BY THE COURT,
DAVID D. BUELL
PROTHO NOTARY
One Courthouse Square 0 Suite100 C CarCrsfe, TA 0 (Phone 717 240-6195 0 'Fax 717 240-6573