HomeMy WebLinkAbout11-3928y? d 1L r"
CtlUI
L la5YLVANIA
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
Attorneys for Plaintiff
Pennsylvania State Employees Credit Union
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION - LAW
V.
AMY M. DECK,
Defendant
No. CiV .k
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.
3183767
????a.oo Pa a?`1
e,?sg??r $
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
3183767
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
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION - LAW
V.
AMY M. DECK,
No.
Defendant
AVISO PARA DEFENDER
Conforme a RCP No. 1018,1 del PA
LE HAN DEMANDADO EN CORTE. Si usted desea defender contra las demandas
dispuestas en las paginas siguientes, usted debe tomar la accion en el plazo de veinte (20) dias
despues de esta queja y el aviso es servido, incorporando un aspecto escrito personalmente o por
el abogado y archivando en escribir con la corte sus defensas u objeciones a las demandas
dispuestas contra usted. Le advierten que si usted no puede hacer asi que el caso puede proceder
sin usted y un juicio se puede incorporar contra usted por la corte sin aviso adicional a usted para
cualquier dinero demandado en la queja o para cualquier otra demanda o relevacion pedida por
3183767
Plaintiff(s). Usted puede perder el dinero o la caracteristica u otra endereza importante a usted.
USTED DEBE LLEVAR ESTE PAPEL SU ABOGADO INMEDIATAMENTE. SI
USTED NO TIENE Un ABOGADO, VAYA A O LLAME POR TELEFONO La OFICINA
DISPUESTA ABAJO. ESTA OFICINA PUEDE PROVEER De USTED La INFORMACION
SOBRE EMPLEAR A un ABOGADO.
SI USTED NO PUEDE PERMITIRSE AL HIRE A un ABOGADO, ESTA OFICINA
PUEDE PODER PROVEER DE USTED LA INFORMACION SOBRE LAS AGENCIAS QUE
LOS SERVICIOS JURIDICOS de la OFERTA de MAYO A LAS PERSONAS ELEGIBLES
EN Un HONORARIO REDUCIDO O NINGON HONORARIO.
Cumberland County Bar Association
32 S. Bedford Street
Carlisle, PA 17013
(717) 249-3166
3183767
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
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION - LAW
V.
AMY M. DECK,
No.
COMPLAINT
1. Plaintiff, Pennsylvania State Employees Credit Union ("PSECU"), is a Pennsylvania
financial institution having an office at One Credit Union Place, Harrisburg, Pennsylvania
17110.
2. Defendant, Amy M. Deck, is an adult individual with a last known address of 116 Old
Mill Drive, Camp Hill, Pennsylvania 17011.
3. On or about May 7, 2007 Defendant and Robert L. Deck ("Deck") entered into a
PSECU Loanliner Advance Proceeds Voucher and Security Agreement and Loanliner Credit and
Security Agreement and Loanliner Addendum ("Agreement") with Plaintiff for the purchase of a
3183767
2006 Pontiac Montana SV6, VIN #1GMDV33L86D224754 ("Vehicle"). A true and correct
copy of the Agreement 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"), a true and correct copy of which is attached hereto
as Exhibit "B" and incorporated herein by reference.
5. Defendant and Deck defaulted under the Agreement by failing to pay the monthly
payments when due and are currently due for the months of March 6, 2010 and thereafter.
6. Due to Defendant and Deck's default, Defendant and Deck voluntarily surrendered
the Vehicle on or about March 17, 2010.
7. By letter dated March 17, 2010, Plaintiff provided Defendant with a Notice of
Repossession and Right to Redeem ("Notice"), a true and correct copy of which is attached
hereto as Exhibit "C" and incorporated herein by reference.
8. For purposes of this action, PSECU is entitled to be reimbursed for all costs and
expenses, including reasonable attorneys' fees of twenty percent (20%) of the amount due for
enforcing the Agreement.
9. Defendant remains liable to Plaintiff under the Agreement as follows:
Principal Balance $ 14,878.58
20% Collection/Attorney's Fees 2,975.72
Total $17,854.30
plus costs of suit.
10. PSECU has demanded payment from Defendant, but despite these demands, the
Defendant has refused and continues to refuse to make payments.
11. 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
3183767 2
writing within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will obtain and
provide Defendant with written verification thereof; otherwise, the debt will be assumed to be
valid. Likewise, if requested within thirty (30) days of receipt of this pleading, Counsel for
Plaintiff will send Defendant the name and address of the original creditor if different from the
above.
WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union demands judgment
in its favor and against Defendant, Amy M. Deck in the amount of $17,854.30, and costs of suit.
BARLEY SNYDIR LLC
By:
Shawn M. Long/Esq re
Court I.D . 8377126 East King SLancaster, PA 1893
717.299.5201
Attorneys for Plaintiff
3183767 3
VERIFICATION
Pennsylvania State Employees Credit Union
v. Amy M. Deck
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: y 8 Ito( (
-W-
Gregory R. Diffenderfer
3183767
W--
ADVANCE PROCEEDS VOUCHER
AND SECURITY AGREEMENT
Pennsylvania State
Employees Credit Union
P O. Box 67013
Harrisburg, PA 17106-7013
717.234.8484
800.237.7328
MEMBER NAME '„ - ', DATE, 1 yx. =MEMQERACCQUf{T,NUMBER - MQ]ENU?v16ER ,.
ROBERT L DECK 5/7/2007 80782481.38/L10 0006131340
AMY M DECK l/
487 PLANE STREET PURPOSE:
MIDDLETOWN, PA 17057 Dealer Purchase
TRANSACTION
TYPE 1 ? NEW LOAN 2.
OPE14-END
LOAN ADVANCE 9
OTHER
(DESCRIBE) 4 ?
HOME
EQUITY ADVANCE
DI SBURSEMENT BREAKDOWN A ND REPAYMENT SCHEDULE
YOU HAVE PREVIOUSLY ELECTED TO HAVE THIS ADVANCE SCR?EDIT DISABILITY
NSURED WITH THE FOLLOWING COVERAGE
NO In
Y SINGLE CREDIT LIF
JOINT
YES ? CREDIT NLIFE
O
DAILY PERIODIC RATE
(CHANGE INTERM30NLY) ANNUAL PER- INTEREST RATE IS AMOUNT REQUESTED • " ' - PREVIOUS BALANCE
+ OTHER CHARGES AMOUNTADVANCED ; NEW BALANCE
CENTACE RATE
.0212055 7 . 7 4 0 o
/o FIXED
?] vaRlaeLE
26,200.
?
0 'F3: '
0.00
26
200
00
,
.
PAYMENT DUE DATE PAYMENT FREQUENCY PROJECTED LOAN TERM
405.06 6/6/2007 Monthly
SECURITY OFFERED
IFTHIS IS A HOME EQUITY ADVANCE, THE ONLY SECURITY FORTHIS ADVANCE IS THE REAL PROPERTY (IN MOST CASESYOUR HOME) WHICHYOU GAVE AS SECURITY WHEN YOUR ACCOUNT
WAS ESTABLISHED,
IF THIS IS NOTA HOME EQUITY ADVANCE, IN ADDITION TO THE PLEDGE OF SHARES IN YOUR LOANUNER' CREDIT AGREEMENT, THE FOLLOWING PROPERTY SECURES THIS ADVANCE.
rFw PROPERTY htODEI? . u KYE'AH 2'k '` °`-'? °' (° tD,.iVU' E :? ti l? ': TYPE ' "` ,•, r },..
1• PONTIAC
2.
a ONTANA SV6 2006 1GMDV33L86D224'754 SW
? 20,315.00
-
4. OTHER
YOU PLEDGE SHARES AND/OR DEPOSITS OF $ IN ACCOUNT NUMBER
OLD ACCOUNT/LOAN NUMBER A PAYOFF (PRINC.+ INT.) OLD ACCOUNTA.OAN NUMBER (B) PAYOFF (PRINC.+ INT.) OLD ACCOUNTILOAN NUMBER C PAYOFF (PRINC.+ INT.)
OLDACCOUNTA.CAN NUMBER (D) PAYOFF (PRING.+INT OLD ACCOUNTA.0AN NUMBER (E) PAYOFF (PRINC.+INT.) OLD ACCOUNTA OAN NUMBER (F) PAYOFF (PRINC.+INT)
By accepting the proceeds or by using the funds advanced and deposited Into your share/share draft account, you agree (1) that the property referenced above
will secure the advance and any other advances you have now or receive in the future under the LOANLINER• Credit and Security Agreement (the Plan) and
any other amounts you owe us for any reason now or In the future In accordance with the terms of the Plan and (2) to make payments as disclosed above in
accordance with the terms of the Plan.
a PIINe ulml.' name ..a„ .. - ......
C L?
M
PSE
rennaTLVANA 5lAl t tMP WYEES CREDIT UNION FORM #3175 JVXX0100.1 037.2092-1 (6106)
NED
Pennsylvania State 'Employees= Credit Union t46. 661,340 - POBo<d70f3 a Hamabwf;.PA 17105.7013 a (717)234-8484or(800)737.7328
AUTODRAFI'VOID OVER 5-26;200 00-,, ;.REFERENCE' 8078248138 VOID 12QDAYS.AFTER 0413012007
PAY TO THE
LER)' t?4?GK LI.I ?I S?? ((- - %r S? ?r ?? ?) f
ORDER OF. IDEA
i
DL+54 OLLQRS
Tk, -51?
IMPORTANT: VOID UNLESS DEALER ENDORSEMENT.COMPLET?D' ,, f
Buyer's Order 113ill of Sde trrew artd Used vehicle.) and factory invoke (New Vehicles)
Ilia AutaDrift is received by PSECU or the AutoDraft wPJ b: r r
must be receivSd befori
-
rsfia d No.punron of tin proceeds of the AuloDrafr aha7 bt paid to the Borrowertal
or to any agent of the Borrower(sl This AuloDralt"not bi ussd to purchase -
reeonstructed, eemmsndal, desdc thslt sefvsged, or good thlsd vehicles or vshldu
Wad outslds rho United Slntss. By--eptritg the Proceeds of this diafL?you a7ree to
the terms laced on the mv<ne rode. -?' ?' PSECU FA%I 717-787.8364
l6c?jV33C (
D
a 4?5 j% neW u
F
,
a
YEAR MAR
?
? M
r MiLEA°E
No
r
an
`
pE,LL[A,/ IDNI
Is AtER rNOrE 1 JA1e EM "
' 3y3
,L ,?
MEMBWENDORSEMENT.;
. Byendorstng_lhisIA0.topfift; I/Wo agree to, the terms listed on the reverse side
of the'dFeif CoGm?jkte the 611owing rape Information.'
Term (M onthsh ' Rder t Meslmum Temu•in lhcl l?tor Vehde coats &xhtr
Method `""?Auto Transfer. ? Homebankinp ? Payroll MonWy Coupon ? D rest Payment
Freduercy vim-tNy ? BFWeekly?. Weekly ? S.-MZ
Member Endort:errwnf. ! ?
R~ RTL DEC
Co-Applicant Endorsement
AMY hf ECK
u' 6 If 3,13 40Is' 1: 2 3 138 1 1 16.1: 3 10 2 2 4 2 40 711' 1A r11000 2 6 20000,13
F m
• ,'-m
In
r
aM
'm
to
- 7)
r 3 m
3""-'D
5J 2
F. rn
o c° r
&,O
^?c0i
no
4986 05Er 62'1
l
i -1
..nJ .
I
FULL-18I ;: )03I?L1id2z
05-04.07 :OAQ87857
27041337? . 51515901
X% I
it
(L S Ia Sege qS? g'Y 3
$r??jRggg o??tk$Z?"v3 ?M
s qr. qq _ e.t A1!< Cm
?y z
nrFj T?^rdp SaS? $n ?oniano i
r !. it » a o A < s?, ?tili y 3 u 00 o
n ?a3ra a °a X^4 m m0
Q ?a :pYY<83e Q zffc<" c3 b my
$
fs• °on?l 1lG.agD Yrm ?
^nQ ?m
;L '0z
M 91
3 y0 q3°t 3
lt?<-??o?k x -z3e "n ig ?-t
F
?s' O nape ?{i: e o o,1,'2„ O ?eo 5 s 0 m2
,r•s rr - _ J - ? _ a _p
eOr 7S'gZf?o a .x m n° a'n3 4-4 -nv
o S 3 R a q Om
sO.n u'? aa°.u -3 m 95:,°F. Jl 7Zb.. $z r9nr
g 3?4.g.g6 ?xq 2^ z m n'
-O 0M
; gain t. 03 <o9afLD m
rg??o'c r$fi = i3!r,mr0z
=nA a, as c ° ?°Bn KZ, MZN
0337»p o^-2 30 ?3e oPz-1 Om
Xr-;<08 ??eSS Vki??O C
8 1
PSEC
Pennsylvania State employees Credit Union
P. O. Box 67013 0 Harrisburg, Prl 17106-7013 0 (717) 234-8494 Harrisburg, (600) 237-7328 lJa;lnnwlde
Loan Disclosures
This LOANLINER" Credit and Security Agreement, which includes the Trull) in
Lending Disclosures, will be referred to as the Plan. The Plan documents include this
agreement and an Addendum. You, your and borrower mean any person who signs
the Plan. Credit union, we, our and us mean PSECU or anyone to whore the Credit
Union transfers its rights under the Plan.
HOW THIS PLAN WORKS - This is an open-end, multi-featured credit plan. We
anticipate that, from time to time, you will borrow money (called "advances") under
the Plan. We are not required to make advances to you under the Plan and can
refuse a request for an advance at any time. The Addendum describes the
different types of credit (called "subaccounts") available under the Plan, the current
interest rate for each subaccount expressed as a daily periodic rate and
corresponding annual percentage rate and other charges. It may also have other
terms and a schedule for determining the payment amounts.
CREDIT LIMIT - We may, but do not have to, establish a credit limit on certain
subaccounts. If a credit limit is set for a subaccount, you promise not to exceed the
established credit limit. If you exceed the credit limit, you promise to repay
immediately the amount which exceeds the credit limit.
REPAYMENT - You promise to repay all amounts you owe Linder the Plan plus
interest. Payments are due on the last day of the month unless we set a different day
at the time of an advance. If the Addendum has no payment schedule for a
subaccount, your payment will be determined at the time of each advance.
Payments must include any amount past due and any amount by which you have
exceeded any credit limit you have been given for a subaccount. You may repay all
or part of what you owe at any time without any prepayment penalty. Even if you
prepay, you will still be required to make the regularly scheduled payments unless
we agree in writing to a change in the payment schedule. If you have a joint
sharedraft account, you will be responsible for paying all overdraft advances
obtained by a joint holder of the sharedraft account. Unless otherwise required by
law, payments will be applied to amounts owed under the Plan, in the manner the
Credit Union chooses.
PLAN ACCESS -You can obtain credit advances in any manner authorized by us. If
we allow you to use your ATM/Debit card to access the Plan, you may be liable for the
unauthorized use of your ATM/Debit card. You will not be liable for unauthorized use
that occurs after you notify LIS, orally or in writing, of the loss, theft, or possible
unauthorized use. If you believe your ATM/Debit card has been lost or stolen,
immediately inform the Credit Union by calling or writing us at the telephone number or
address that appears elsewhere in the Plan. If the card is used to obtain unauthorized
advances directly from the Plan, your liability will not exceed $50. If the unauthorized
withdrawal is from a sharedraft account, your liability is governed by the Regulation E
disclosures you received at the time you received your ATM/Debit card, even if the
withdrawal results in an advance being made from your overdraft subaccount.
FINANCE CHARGE - The dollar amount you pay for money borrowed is called a
"finance charge" and begins on the date of each advance. A finance charge will be
computed separately for each separate balance under the Plan. To compute the
finance charge, the unpaid balance for each day since your last payment (or since
an advance if you have not yet made a payment) is multiplied by the applicable daily
periodic rate. The sum of these amounts is the finance charge owed. The balance
used to compute the finance charge is the unpaid balance each day after payments
and credits to that balance have been subtracted and any additions to the balance
have been made. In addition to interest, we may charge other finance charges which
are disclosed on the Addendum. If the Interest rate is a variable interest rate, the
Addendum explains how the variable interest rate works.
SECURITY-You pledge as security for the Plan all shares and dividends and, if any,
all deposits and Interest in all joint and individual accounts you have with us now and
in the future. If a specific dollar amount is pledged for an advance, we will freeze
shares in that account to the extent of the outstanding balance for the advance.
Otherwise, your pledged shares may be withdrawn unless you are in default. The
following paragraph applies in all states except in Ohio, Rhode Island and
Massachusetts: We have a statutory lien on the shares and dividends and, if any, the
deposits and interest in all individual and joint accounts you have with us and may
exercise our rights under the lien to the extent permitted by state law. (We are state
chartered if our name does not include the term "Federal Credit Union") For all
borrowers:The statutory lien and/or your pledge will allow us to apply the funds
in your account(s) to what you owe when you are in default. The statutory lien and
your pledge do not apply to any Individual Retirement Account or any other account
that would lose special tax treatment under stale or federal law if given as security.
Additional security for the Plan may be required at the time of an advance. If a
subaccount identifies a type of property (such as "New Cars") you must give that
type of property as security when you get an advance under that subaccount. A
subaccount name such as "Other Secured" means you must provide security
acceptable to us when you obtain an advance under that subaccount. Property you
give as security will secure all amounts owed under the Plan and all other loans you
have with us now or in the future, except any loan secured by your principal dwelling.
Property securing other loans you have with us may also secure the Plan.
0 CUNA RIUTUAL GROUP. 1960, 2076. ALL RIGHTS RESERVELI
CREDIT INSURANCE - Credit life and/or credit disability insurance is optional
under the Plan. If you qualify for and purchase the insurance from us, you authorize
us to add the insurance premiums monthly to your loan balance and charge you
interest on the entire balance. If you elect creait insurance, your payments may
increase or the period of time necessary to repay your advance may be extended.
The credit insurance rates may change during the Plan. If the rates change, we will
provide any notices required by applicable law.
PERIODIC STATEMENT - On a regular basis you will receive a statement showing
all transactions under the Plan during the period covered by the statement.
Statements and notices will be sent to you at the most recent address you have
given us in writing. Unless applicable law requires notice to each joint borrower,
notice to any one of you will be notice to all.
JOINT ACCOUNTS - If this is a joint account, each of you is individually and jointly
responsible for paying all amounts owed. That means we can enforce our rights
under the Plan against any one of you individually or against all of you together. If you
give us inconsistent instructions, we can refuse to follow your instructions. Unless our
written policy requires all of you to sign for an advance, each of you authorizes the
other(s) to obtain advances individually and agrees to repay advances made to the
other(s). Any joint accountholder may terminate the Plan by giving us prior written
notice. If any of you terminate the Plan, the Plan is terminated for all of you. You
remain liable individually and jointly for all advances incurred before termination.
FEES AND CHARGES - If you give us a security interest in certain types of
property, we may charge you a filing fee to perfect our interest in the property, If we
do, the amount of the fee will be disclosed to you at the lime you obtain an advance.
We may also charge you other fees in connection with the Plan. Our current fees are
disclosed on the Addendum and will be added to your loan balance unless you pay
them in cash.
UPDATING CREDIT INFORMATION - You promise that you will promptly give us
written notice if you move, change your name or employment, or if any other
information you provided to us changes. Upon our request, you also agree to
provide us updated financial information.
DEFAULT -The tonowing paragraph applies to borrowers in Idaho, Kansas,
Maine and South Carolina: You will be in default if you do not make a payment of
the amount required when it is due. You will also be in default if we believe the
prospect of payment, performance, or realization on any property given as security
is significantly impaired.
The following paragraph applies only to borrowers In Wisconsin: You will be in
default if you fail to make a payment when due two times during any 12 month
period. You will be in default if breaking any promise made under the Plan materially
impairs your ability to repay what you owe or materially impairs the condition, value,
or protection of or our right in any property you gave as security.
The following paragraph applies only to borrowers in Iowa: You will be in
default if you are more than 10 days late in making a payment. You will also be in
default if you do not comply with the terms of the Plan and your failure to comply
materially impairs any property you gave as security or your ability to repay what you
owe under the Plan.
The following paragraph applies to borrowers in all other states: You will be in
default if you do not make a payment of the amount required when it is due. You will
be in default if you break any promise you made under the Plan or if anyone is in
default under any security agreement made in connection with an advance under
the Plan. You will be in default if you die, file for bankruptcy, become insolvent, if you
make any false or misleading statements in any credit application or update of credit
information, or if something happens we believe may substantially reduce your
ability to repay what you owe. You will be in default if any property you have given
us as security is,repossessed by someone else, seized under a forfeiture or similar
law, or if anything else happens that significantly affects the value of the property or
our security interest in it. You will also be in default under the Plan if you are in default
under any other loan agreement with us.
ACTIONS AFTER DEFAULT - The following paragraph applies to borrowers in
Colorado, District of Columbia, Iowa, Kansas, Maine, Massachusetts, Missouri,
Nebraska, South Carolina and West Virginia: When you are in default and after
expiration of any right you have under applicable state law to cure your default, we can
demand immediate payment of the entire unpaid balance under the Plan without
giving you advance notice.
The following paragraph applies to borrowers in all outer states except Wisconsin
and Louisiana: When you are in default, we can require immediate payment
(acceleration) of the entire unpaid balance under the Plan. You waive any right you have
to demand for payment, notice of intent to accelerate and notice of acceleration.
The following paragraphs apply to borrowers in all states except Wisconsin and
Louisiana: If immediate payment is demanded, you will continue to pay interest until
what you owe has been repaid at the applicable interest rates in effect or, if applicable,
CPSN101 PSECU FORM #31,16
JBXX0601-2037-2092.1 (8/06)
I LCAPlLlt1ER' Cred;t end Securi(y Cred;t Agreement (continued)
I at the default rate disclosed on the Addendum. If a demand for immediate paymen
has been made, 'pour snares andior deposits can be applied tcwards vhat you ovrr
as provided in the section above called "Security:" Via can also exercise any othe
j rights given by law :vhen you are in default.
You agree the Credit Union has the right to take possession of any property giver
as security under the Plan, without judicial process, if this can be done wilhou
breach of the peace. If :va ask, you promiso to deliver the property at a time anc
place we choose. If the property is a motor vehicle or boat, you agree that,ve may
obtain a key or other device necessary to unlock and operate it, when you are it
default. We will not be responsib!e for any other property, riot covered by this
Agreement, that you leave inside the property or that is attached to the property. We
will try to ref irn that property to you or make it available for you to claim.
After we have possession of the property, we can sell it and apply the money to any
amounts you owe us. We will give you notice of any public disposition or the date after
which a private disposition will be held. Our expenses for taking possession of and
selling the property will be deducted from the money received from the sale. Those
costs may include the cost of storing the property, preparing it for sale and attorney's
fees to the extent permitted under state law or awarded under the Bankruptcy Code.
You must pay any amount that remains unpaid after the sale money has been applied
to any unpaid balance under the Plan. You agree to pay interest on that amount at the
same rate as the advance, or, if applicable, at the default rate disclosed on the
Addendum, until that amount has been paid.
The following paragraph applies only to Wisconsin borrowers: When you are in
default and after expiration of any right you have under applicable state law to cure your
default, we may require immediate payment of your outstanding loan balance under the
Plan and seek possession of property given as security. You may voluntarily give the
property to us if you choose, or we may seek to take possession of the property by
judicial process. If we repossess the property, you agree to pay reasonable expenses
incurred in disposing of the property. If the property is a motor vehicle, mobile home,
trailer, snowmobile, boat or aircraft, you will also be required to pay any costs permitted
by Section 422.413 of the Wisconsin Statutes. You must pay any amount that remains
unpaid after the sale money has been applied to what you owe under the Plan. You
agree to pay interest on any unpaid amount at the same rate as the advance, or, if
applicable, at the default rate disclosed on the Addendum, until that amount is paid.
If the property is located outside Wisconsin at the time of default, we may take
possession of the property without judicial process, if permitted by the state where
the property is located.
The following paragraph applies only to Louisiana borrowers: When you are in
default, we can require immediate payment (acceleration) of the entire unpaid
balance u nder the Plan. eu ,valve any right you have to darnand fur payrner it, nuiice
of intent to accelerate and notice of acceleration. If immediate payment is
demanded, you will continue to pay interest until what you owe has been repaid at
the applicable interest rates in effect unless a default rate is disclosed on the
Addendum. If a demand for immediate payment has been made, the shares and
deposits given as security for the Plan can be applied towards what you owe. We
can also exercise any other rights given by law when you are in default and our
rights under any security agreements you have with us.
CANCELLING OR CHANGING THE PLAN - The following paragraph applies
only to borrowers in 1111nois: We have the right to change the terms of the Plan from
time to time after giving you any advance notice required by law. Any change to the
interest rate or other charges will apply to future advances.
The following paragraph applies only to borrowers in Wisconsin: We can
change the terms of the Plan from time to time In accordance with Section 422.415
of the Wisconsin Statutes. You will be notified of any change in terms. An increase
in the daily periodic rate under a variable rate interest rate is not considered a
change in terms under the Plan. We can cancel the entire Plan or any part of the
Plan at any time. You may cancel the Plan at any time by giving us prior written
notice. Your obligation to pay the unpaid balances under the terms of the Plan
continues whether you or the credit union cancel the Plan, except to the extent that
your liability is limited by Section 422.4155 of the Wisconsin Statutes.
The following paragraph appiles only to borrowers In Iowa: We can change the
terms of the Plan from time to time after giving you any advance notice required by
law. A change that increases the rate of finance charge or other charge, that
increases the amount of your payments, or that otherwise adversely affects existing
balances will apply to existing balances only if you agree to the change or you use
the Plan after receiving notice that your use of the Plan means you agree the
change applies to existing balances.
The following paragraph applies to borrowers in all other states: We have the
right to change the terms of the Plan from time to time after giving you any advance
notice required by law, Any change in the interest rate will apply to future advances,
and at our discretion and subject to any requirements of applicable law, will also
apply to unpaid balances.
The following paragraph applies to all but Wisconsin borrowers: An increase in
lie daily periodic rate under a variable interest rate is not considered a change in
arms under the Plan. We can cancel the entire Plan or any part of file Plan at any
ime. You may cancel the Plan at any time by giving us prior written notice. Your
rbligation to pay the unpaid balances under the terms of the Plan continues whether
ou or the Credit Union cancel the Plan. '
)ELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN - We can delay
nforcing any of our rights under this Plan any number of times without losing the t
ability to exercise our rights rater. We can er lorce this Plan against your heirs o
legal representatives. If we change the florins of the Plan, you agree that this Plar
;rill continue to protect us.
CONTINUED EFFECTIVENESS - If any part of tiff's Plan is d.,aermined by a cour
to be unenforceable, the rest :ill remain in elfe,st.
NOTICE TO UTAH BORROWERS - This written agreement is a final expression o
the agreement between you and the Credit Union. This wrilten agreement may no
be contradicted by evidence of any oral agreorrer1.
The following is required try Vermont law --NOTICE TO CO-SIGNER - YOUR
SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE
FOR REPAYMENT OF THIS LOAN. IF THE. BORROWER DOES NOT PAY,
THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.
The following paragraphs apply if you give security in connection with an
advance under the Plan.They apply to borrowers in all states except Louisiana.
Louisiana borrowers will execute a separate security agreement. Borrowers in
other states may also be asked to execute a separate security agreement.
THE SECURITY FOR THE PLAN - You give us what is known as a security
interest in all property described in any receipt, voucher or other document you
receive for an advance ("the Advance"). The security interest you give includes all
accessions. Accessions are things which are attached to or installed in the property
now or in the future. The security interest also includes any replacements for the
properly which you buy within 10 days of the Advance or any extensions, renewals
or refinancing of the Advance. It also includes any money you receive from selling
the property or from insurance you have on the property If the value of the property
declines, you promise to give us more property as security if asked to do so.
WHATTHE SECURITY INTEREST COVERS/CROSS COLLATERAL PROVISIONS
-The security interest secures the Advance described in the receipt, voucher or any
other document you receive at the time of the Advance and any extensions, renewals
or refinancings of the Advance. It also secures any other advances you have now
or receive in the future under the Plan and any other amounts or loans,
including any credit card loan, you owe us for any reason now or In the future,
except any loan secured by your principal residence. If ilia property is household
goods as defined by the Federal Trade Commission Credit Practices Rule, the
property will secure only the Advance and not other amounts you owe.
OWNERSHIP OF THE PROPERTY - You promise that you own all property you
give as security or if the Advance is to buy the property, you promise you will use
the Advance for that purpose. You promise that no one else has any interest in or
claim against the property that you have not already told us about. You promise not
to sell or lease the property or to Uso it as security for a loan with another creditor
until the Advance is repaid. You promise you will allow no other security interest or
lien to attach to the property either by your actions or by operation of law.
PROPERTY INSURANCE, TAXES AND FEES - You must maintain property
insurance on all property that you give as security under the Plan. You may purchase
the property insurance from anyone you choose who is acceptable to the Credit
Union. The amount and coverage of the property insurance must be acceptable to
us. You may provide the property insurance through a policy you already have, or
through a policy you get and pay for. You promise to make the insurance policy
payable to us and to deliver the policy or proof of coverage to us if asked to do so.
If you cancel your insurance and get a refund, we have a right to the refund. If the
property is lost or damaged, we can use the insurance settlement to repair the
property or apply it towards what you owe. You authorize us to endorse any draft or
check which may be payable to you in order for us to collect any refund or benefits
due under your insurance policy. You also promise to pay all taxes and fees (like
registration fees) due on the property.
If you do not pay the taxes or fees on the property when due or keep it insured, we may
pay these obligations, but we are not required to do so. Any money we spend for taxes,
fees or insurance will be added to the unpaid balance of the advance and you will pay
interest on those amounts at the same rate you agreed to pay on the advance. We may
receive payments in connection with the insurance from a company which provides the
insurance. We may monitor our loans for the purpose of determining whether you and
other borrowers have complied with the insurance requirements of our loan agreements
or may engage others to do so. The insurance charge added to an advance may include
(1) the insurance company's payments to us and (2) the cost of determining compliance
with the insurance requirements. If we add amounts for taxes, fees or insurance to the
unpaid balance of an advance, we may increase your payments to pay the amount
added within the term of the Insurance or approximate term of the advance.
INSURANCE NOTICE - If you do not purchase the required property insurance,
the insurance we may purchase and charge you for will cover only our interest in the
woperty. The premium for this insurance may be higher because the insurance
:ompany may have given us the right to purchase insurance after uninsured
;ollateral is lost or damaged. The insurance will not be liability insurance and
Nill not satisfy any state financial responsibility or no fault laws.
'ROTECTING THE SECURITY INTEREST - If your state issues a title for the
noperty, you promise to have our security interest shown on the title. We may have
o file what is called a financing statement to protect our security interest from the
[aims of others. If asked to do so, you promise to sign a financing statement. You
Iso promise to do whatever else we think is necessary to protect our security
iterest in the property. You promise to pay all costs, including but not limited to any
ttorney fees, we incur in protecting our security interest and rights in the property,
) the extent permitted by applicable law,
LOANUNER` Credit and Security Credit Agreement (continued)
USE OF PROPERTY - Until the Advance has been paid off, you promise you call:
(1) Use the property carefully and keep it In good repair. (2) Obtain our „rttcn
permission before making major changes to the property or changing Iho address
where the property is kept. (3) Inform us in writing before changing your address. (4)
Allow us to inspect the property. (5) Promptly notify us if the property is darnaged,
stolen or abused. (6) Not use the property for any unlawful purpose. (7) Not to relitle
property in another state v:,ithout telling us.
NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE
- THE MOTOR VEHICLE IN THIS TRANSACTION MAY BE SUBJE=CT TO
REPOSSESSION. :F IT IS REPOSSESSED AND SOLD TO SOMEONE ELSE,
AND ALL AMOUNTS DUE TO THE SECURED PARTY ARE NOT RECEIVED IN
THAT SALE, YOU MAY HAVE TO PAY TI fE DIFFERENCE.
NOTICE FOR ARIZONA OWNERS OF PROPERTY - It is unlawful for you to fail
to return a motor vehicle that is subject to a security interest, within thirty days after
you have received notice of default. The notice will be mailed to the address you
gave us. It is your responsibility to notify us if your address changes. The maximum
This notice contains important information about your rights and our responsibilities
under the Fair Credit Billing Act. You are advised to read your monthly Statement
and review it for any error discrepancies or unauthorized transactions.
NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR
STATEMENT, If you think your statement is wrong, or if you need more information
about a transaction on your statement, write us on a separate sheet at the address
listed on your statement. You are required to notify us in writing within 60 days
following the date on which we sent your statement wherein the error or problem
first appeared regarding any discrepancy or unauthorized transactions on your
account. Failure to notify us may result in your acceptance of any responsibility for
payment or reimbursement to us for any such error or discrepancy on your account.
Write to us as soon as possible. You can telephone us, but doing so will not
preserve your rights.
In your letter, give us the following information:
Your name and account number.
The dollar amount of the suspected error.
" Describe the error and explain, if you can, why you believe there is an error.
If you need more information, describe the item you are not sure about.
If you have authorized us to pay a credit card account automatically from your share
account or checking account, you can stop the payment on any amount you think is
wrong. To stop the payment your letter must reach us three business days before the
automatic payment is scheduled to occur.
YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR
WRITTEN NOTICE - We must acknowledge your letter within 30 days, unless we
have corrected the error by then. Within 90 days, we must either correct the error or
explain why we believe the statement was correct.
In this Agreement, the words you and your means each and all of those who apply
for the card or who signs this Agreement. Card means the Visa Credit Card and any
duplicates and renewals we issue. Account means your Visa Credit Card Line of
Credit account with us. We, us, and ours means this Credit Union.
1. RESPONSIBILITY- If we issue you a card, you agree to repay all debts and the
Finance Charge arising from the use of the card and the card account. For example,
you are responsible for charges made by yourself, your spouse and minor children.
You are also responsible for charges made by anyone else to whom you give the
card, and this responsibility continues until the card is recovered. You cannot disclaim
responsibility by notifying us, but we will close the account for new transactions if you
so request and return all cards. Your obligation to pay the account balance continues
even though an agreement, divorce decree or other court judgment to which we are
not a party may direct you or one of the other persons responsible to pay the account.
The cards remain our properly and you must recover and surrender to us all cards
upon our request and upon termination of this Agreement.
2. LOST CARD NOTIFICATION - If you believe the card has been lost or stolen,
you will immediately call the Credit Union at (717) 234-8484 or (800) 237-7328. After
hours call (800) 556-5678.
3. LIABILITY FOR UNAUTHORIZED USE -You agree to notify us immediately, orally
or in writing of the loss, theft or unauthorized use of your Credit Card. You may be liable
for the unauthorized use of your Credit Card, You will not be liable for unauthorized use
that occurs after you notify us of the loss, theft, or possible unauthorized use.You will have
no liability for unauthorized purchases made with your Credit Card, unless you are grossly
negligent in the handling of your Card. In any case, your liability will not exceed $50.
4. CREDIT LINE - If we approve your application, we will establish a self-
replenishing Line of Credit for you and notify you of its amount when we issue the
card. You agree not to let the account balance exceed this approved Credit Line. Each
payment you make on the account will restore your Credit Line by the amount of the
payment which is applied to the principal. You may request an increase in your Credit
penalty for unlawful failure to return a motor vehicle is one year in prison and/or a
fine of $150,000.
For those members who purchase a vehicle under the
DRIVe Program, please review the following FTC Notice:
NOTICE
ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT
IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH
THE DEBTOR COULD ASSERT AGAINST THE SELLER
OF GOODS OR SERVICES OBTAINED WITH THE
PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE
DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE
DEBTOR HEREUNDER.
After we receive your letter, we cannot try to collect any amount you question, or report
you as delinquent. We can continue to send statements to you for the amount you
question, including finance charges, and we can apply any unpaid amount against your
credit limit. You do not have to pay any questioned amount while we are investigating,
but you are still obligated to pay the parts of your statement that are not in question.
It we find that we made a mistake on your statement, you will not have to pay any
finance charges related to any questioned amount. If we didn't make a mistake, you
may have to pay finance charges, and you will have to make up any missed
payments on the questioned amount. In either case, we will send you a statement
of the amount you owe and the date that it is due.
If you fail to pay the amount that we think you owe, we may report you as delinquent.
However, if our explanation does not satisfy you and you write to us within ten days
telling us that you still refuse to pay, we must tell anyone we report you to that you
have a question about your statement. And, we must tell you the name of anyone
we reported you to. We must tell anyone we report you to that the matter has been
settled between us when it finally is.
It we don't follow these rules, we can't collect the first $50 of the questioned amount,
even if your statement was correct.
SPECIAL RULE FOR CREDIT CARD PURCHASES - If you have a problem with
the quality of property or services that you purchased with a credit card, and you
have tried in good faith to correct the problem with the merchant, you may have the
right not to pay the remaining amount due on the property or services. There are two
limitations on this right: (a) You must have made the purchase in your home state or,
if not within your home state, within 100 miles of your current mailing address: and
(b) The purchase price must have been more than $50.
These limitations do not apply if we own or operate the merchant, or if we mailed
you the advertisement for the property or services.
Line only by written application to us, which must be approved by our credit committee
or loan officer. By giving you written notice we may reduce your Credit Line from time
to time, or with good cause, revoke your card and terminate this Agreement. Good
cause includes your failure to comply with this Agreement or any other agreement with
us, or our adverse reevaluation of your creditworthiness. You may also terminate this
Agreement at any time, but termination by either of us does not affect your obligation
to pay the account balance.
5. CREDIT INFORMATION -You authorize us to investigate your credit standing
when opening, renewing or reviewing your account, and you authorize us to disclose
information regarding your account to credit bureaus and other creditors who inquire
of us about your credit standing,
6. MONTHLY PAYMENT - We will mail you a statement every month showing your
Previous Balances of purchases and cash advances, the current transactions on your
account, the remaining credit available under your Credit Line, the New Balances of
purchases and cash advances, the Total New Balance, the Finance Charge due to date,
and any other billed fees, and the Minimum Payment required. Every month you must pay
at least the Minimum Payment within 25 days of your statement closing date. By separate
agreement you may authorize us to charge the minimum payment automatically to your
share or checking account with us. You may, of course, pay more frequently, pay more
than the Minimum Payment, or pay the Total New Balance in full, and you will reduce the
finance charge by doing so. If your monthly payment exceeds the total credit line balance
owed, we will automatically post the credit to your S1 shares.
The minimum payment will be (a) 2% of your Total New Balance, rounded up to the
next even dollar, or (b) $20.00, whichever is greater. In addition, at any time your Total
New,Balance exceeds your Credit Line, you must Immediately pay the excess upon our
demand. We will apply payments in the following manner: first to previous late fees,
then to previous cash advances finance charges, then to previous purchase finance
charges, then to current late fees, then to previous cash advance balances, then to
previous purchase balances in the order that they were posted to your account, then
to current cash advance balances, and then to current purchase balances.
Visa' Credit Card Agreement and Truth In tending Disclosure (continual)
7. FINANCE CHARGES - You can avoid the Finance Charge on purchases by
paying the full amount of the New Balance of Purchases each month within 25 clays
of your statement closing dare. Otherv:ise, the New Balance of Purchases, and the
subsequent purchases from the date they are posted to your account, will be sub ocl
to Finance Charge. Cash advances are always subject to Finance Charge frorn the
(late they are poster) to your account.
Purchases: We calculate your finance charge by multiplying the average adjusted
daily balance (see explanation below), including new purchases, for the billing cycle
by the monthly periodic purchase rate and corresponding ANNUAL PERCENTAGE
RATE as disclosed on the Addendum.
Cash Advances: We calculate your finance charge on cash advances by
multiplying the average adjusted daily balance (see explanation below) for cash
advances during the billing cycle by the monthly periodic advance rate and
corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum.
Balance Computation Method
Average Daily Balance for Purchases - The Average Daily Balance for Purchase
Transactions is calculated by adding the Daily Balances (Purchase Transaction) for
each day in the billing cycle, and then dividing by the number of days in the billing
cycle, To calculate the Daily Balance for purchases each day, we take the following
steps: We take the outstanding balance (all amounts you owe) at the start of the day.
Then, in the sequence in which amounts are posted to your account, we add the
amounts of all debits and subtract the amounts of all credits or payments which post
to your account that day. After applying payments and credits, we subtract the
amount of any unpaid Finance Charges or Late Charges. Then we also subtract the
amount of any Cash Advance transactions that posted to your account on that day or
in any previous day in the billing cycle. This gives us the Daily Balance for purchases.
Average Daily Balance for Cash Advances - Cash Advance Transactions which are
posted to your account are not included in the Average Daily Balance calculation for
purchases, and are therefore not subject to the monthly periodic rate for purchases. The
Average Daily Balance is calculated separately for Cash Advances and is subject to the
Cash Advance Monthly Periodic Rate. The Average Daily Balance for Cash Transactions
is calculated by adding the Daily Balances (Cash Transaction) for each day in the billing
cycle, and then dividing by the number of days in the billing cycle. To calculate the Daily
Balance for cash each day, we take the following steps: We take the outstanding balance
(all amounts you owe) at the start of the day. Then, in the sequence in which amounts
are posted to your account, we add the amounts of all debits and subtract the amounts
of all credits or payments which post to your account that day. After applying payments
and credits, we subtract the amount of any unpaid Finance Charges or Late Charges.
Then we also subtract thn mmorint of any Purnhacw Trnna:rctinng that nnct.d to yrnir
account on that day or in any previous day in the billing cycle. This gives us the Daily
Balance for Cash Advance Transactions. Note: Cash Advances are always subject to
finance charges and from the day they are posted to your account.
Payments are applied in the following manner: first to previous late fees, then to
previous cash advances finance charges, then to previous purchase finance
charges, then to current late fees, then to previous cash advance balances, then to
previous purchase balances in the order that they were posted to your account, then
to current cash advance balances, and then to current purchase balances. Credits
are applied first to the particular type of debt which is being credited, if any, and then
to the balance of your account.
Note also that If the total of the payments and credits which are posted to your
account by the Payment Due Date shown on a statement is equal to or exceeds the
New Balance shown on that statement, we will not apply the Monthly Periodic Rate
to your Account on your next statement.
8. DEFAULT-You will be in default if you fail to make any Minimum Payment within
25 days after your monthly statement closing date. You authorize us to transfer funds
sufficient to make the minimum payment due if your Visa loan is in default. You will
also be in default if your ability to repay us is materially reduced by a change in your
employment, an increase in your obligations, bankruptcy or insolvency proceedings
involving you, your death or your failure to abide by this Agreement, or if the value of
our security interest materially declines. We have the right to demand immediate
payment of your full account balance if you default, subject to our giving you any
notice required by law. To the extent permitted by law, you will also be required to pay
our collection expenses, Including court costs and reasonable attorney fees.
9. USING THE CARD - To make a purchase or cash advance, there are two
alternative procedures to be followed. One is for you to present the card to a
participating Visa plan merchant, or another financial institution, and sign the sales
or cash advance draft which will be imprinted with your card. The other is to complete
the transaction by using your Personal Identification Number (PIN) in conjunction
with the card in an Automated Teller Machine or other type of electronic terminal that
provides access to the Visa system. You agree that you will not use your card for any
transaction that is illegal under applicable federal, state, or local law. The monthly
statement will identify the merchant, electronic terminal or financial institution at
which transactions were made, but sale, cash advance, credit or other slips cannot
be returned with the statement. You will retain a copy ct such slips turnished at the
time of the transaction in order to verify the monthly statement. The Credit Union ma,
make a reasonable charge for photocopies of slips you may request.
10. OVERDRAFT OPTION - If you elect to overdrah to ,Cllr PSECU Visa Credi
Card, that election is subject to the existing credit lima and the agreement it represent
and the current loan policy at the time of the overdraft. You also understand that ar
overdraft will be considered the same as a cash advanre on your PSECU Visa Crodi
Card and that the current Annual Percentage Rate for cash advances will apply.
11. RETURNS AND ADJUSTMENTS - MenCiants and others who honor the cart
may give credit for returns and adjustments, and they ;till do so by sending us r
credit shit which we will post to your Visa line of credit. If your credit and payment:
exceed what you owe us, we will automatically post the excess credit balance tc
your S1 Shares within 75 days. If the balance is one dollar or mere, upon your
written request, we will refund the credit balance to you.
12. FOREIGN TRANSACTIONS - The exchange rate between the transactior
currency and the billing currency used for processing international transactions is a rate
selected by Visa from the range of rates available in wholesale currency markets for the
applicable central processing date, which rate may vary from the rate Visa itself
receives, or a government-mandated rate in effect for the applicable central processing
date. In each instance, an adjustment may be assessed based on the ISA fee imposed
by Visa. This fee, which totals 1% of the transaction amount, will be assessed on all
transactions where the merchant country differs from the country of the card issuer.
13. SPECIAL RULES FOR VISA PURCHASES - If you disagree or find an error
with a Visa transaction, and have tried in good faith to correct the problem with the
merchant or the charges are the result of unauthorized or fraudulent use, or your
purchase cost more than $50 and was made from a plan merchant in your state
within 100 miles of your home, contact PSECU.
14. DISPUTED TRANSACTIONS - You are required to notify PSECU in writing
within 60 days following the date on which we sent your statement wherein the error
or problem first appeared regarding any discrepancy or unauthorized transaction on
your account. Telephoning PSECU does not preserve your dispute rights. You may
be required to provide us with documentation io support your dispute claims. In
addition, you may be required to complete a standard dispute form outlining the
details of your dispute. In cases of fraudulent card use, PSECU will also require a
notarized affidavit. In some cases we may ask you to notify the local authorities.
If we do not receive the proper requested documentation in the time specified you
may be held responsible for the transaction(s) in question. PSECU must adhere to
strict dispute timeframes set forth by Visa.
15. SECURITY INTEREST - To secure your account, you grant us a purchase
money security interest under the Uniform Commercial Code in any goods you
purchase through the account. If you default, we will have the right to recover any of
these goods which we have not been paid for through our application of your
payments in the manner described in the Monthly Payment section. With respect to
this account only, we will not assert any statutory right we may have if you are in
default to prevent withdrawal of your unpledged credit union shares (Deposits)
below the unpaid balance of your account. However, if you give or have given us a
specific pledge of your credit union shares (Deposits) by signing the Pledge of
Shares or otherwise, or any other security interests for all your debts, your account
will be secured by your pledged shares (Deposits) and by the property described in
those other security agroenlenls, except for your home.
16. EFFECT OF AGREEMENT-This Agreement is the contract which applies to
all transactions on your account even though the sales, cash advance, credit or
other slips you sign or receive may contain different terms. We may amend the
Agreement from time to time by sending you the advance written notice required by
law, Your use of the card thereafter will indicate your agreement to the amendments.
To the extent the law permits, and we indicate In our notice, amendments will apply
to your existing account balance as well as to future transactions.
17. LATE PAYMENT CHARGE - If your Minimum Payment is not received by the
first day of the month following your due date, you will be subject to a $20 charge.
18. RUSH FEES - You may incur additional charges for rush processing and rush
delivery of cards and/or PIN mailer.
19. OVER LIMIT FEE -A $20 fee will be applied for each monthly statement closing date
on which the outstanding balance exceeds the assigned credit limit by more than $100.
20. DRAFT COPIES - You may incur an additional charge for transaction
summary/sale draft documentation.
21. COPY RECEIVED -You acknowledge receipt of a copy of this Agreement.
22. ILLEGAL TRANSACTIONS PROHIBITED - You agree that you will riot use
your card for any transaction that is illegal under applicable federal, state, or local law.
23. NO USE - Inactive Visa accounts that have no purchase or cash activity may
be closed without notice to you after 18 months of no activity.
24. NEURAL NETWORK - PSECU uses neural network systems to predict and
orevent unauthorized transactions. There may be occasions when a transaction is
leclined because it is indicative of possible fraudulent activity.
LOANLINER® 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 ore 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 Bookv"s or other
authorized guide's retail value of the vehicle. PSECU will charge an additional percentage point to the current interest rate when
financing 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 Suboccount
Description Approx.
Term in
Months Percent
Above
Index
Daily Periodic Rate Present Annual
Percentage
Rate Minimum Payment
(For each $100 or
fraction of 5100 of
your unpaid amount)
Without
A
a With APS Without With APS Without With APS
Auto Loan (1) Pa
men}
i A tomotic
, - Automatic
Ne'l Vehicle Se
v... Service se 'Ice
40,0001oonaodwlueorgreater 120 .00020521 .00019836 7.49% 7.24% $1
19 $1
18
520,000 value or greater
$12
000
l 84 .00018466 .00017781 6.74% 6.49% .
$1.50 .
51.49
.
vo
ueorgreater
$8
000
l
t
i 72 •00018466 .00017781 6.74% 6.49% $1.70 $1.69
,
-
ueor9rea
e
$6
000
l 60 .00017096 .00016411 6.24% 5.99% $1.95 $1.94
,
va
ueor9eater 48 .00017096 .00016411 6.24% 599% S2.36 $2
35
$3,000 value or greater
53
000 val
t 36 .00017096 .00016411 6.24% 5.99% $3.06 .
$3.05
,
ue or grea
., 24 .00014356 .00013671 5.24% 4.99% $4.40 $4.39
Used vehicles Only
$40,000 loan and value or greater 120 .00020521 .00019836 7.49% 7 24% $1
19 $1
18
$20,000 value or greater 64 .00018466 .00017781 6.74% 6.49% .
$1
50 -
$1
49
S12,000volueorgieater 72 .00018466 .00017781 6.74% 6.49% .
$1
70 .
$1
69
S8,000-lueor9eater
$6
000 val
e
r
t 60 .00017096 .00016411 6.24% 5.99% .
$1.95 .
$1.94
,
u
o
grea
er
$3
000 value or
reaten 48
36 .00017096 .00016411 6.24% 5.99% $2.36 $2.35
,
g
$3
000 valu
t .00017096 .00016411 6.24°% 5.99% $3.06 53.05
,
e or grea
., 24 .00014356 .00013671 5.24% 4.99% $4.40 54.39
Recreational Vehicle: New/Used (2)
Loan amount 515,000 and up 84 .00024384 N/A 8.90°.6 N/A 51
60 1` A
Loan amount 58,000 - 14,999 60 .00024384 N/A 8.90`-. N/A .
52
07 N/A
Loan amount $5,000 - 7.999 48 .00024384 N/A 890% Ni'A .
52
48 WA
Loon ., -ant $3,000 - 4,999 36 .00024384 N/A 8.90% NIA .
$3.18 NIA
IRA Loan (3) 12 2.0 .00008877 N/A 3.24% r:iA $849 WA
Share Loan (3, 4)
Up 1.$1,000 19 2.0 .00008877 N/A 3.24% i1,iA $5.41 N;A
- $1,001 - $4.000 48 10 .00008877 N/A 3.24% NiA 23
52 N/A
Over $4,000 (0-,... i 51,0UG a 120 2.0 .00008877 NIA 3.24% N/A .
$0.98 WA
o a -irnum of 10 y-aa.1
Certificate Loan (3, 4, 5) 6'dx.,re, 2.0 .disdaa.1. N/A s--disd.u- WA N/A
Persona! Service Loan (PSL)(6) 77 .00035342 N/A 12.9% NiA i?%A
Personal Service up to 65
Signaler. Loan (PSSL) -orbs .0002712 N/A 9.90% N/A II/A
_
_
_ -- - ----- . .
?your.
Automatic Payment Service (APS) - : In - order to qual ify for the .25'55 redvctron at the time the loan is set up, you must se-lect to_-_have_
,.;
vehicle loan payments made via an ovtomatic service: Automatic TrdnsferSemce, Payroll Deduction, Cash (includes psecv@homeS and Self;
Service Telephone), Wire Transfer, and Direct Payment. If you remove, discontinue, change or postpone the automatic transfer otany time after!
your loan is setup, your interest rate will immediately be increased by 0.25% (as of the date of your last payment) for any outstanding balance I
on the loan. If your interest rate is increased due to any of these reasons; yourloan payment amount will remain the same, however the term of
your loan-will be extended for the appropriate amount of time until all interest onnciPal and fees have been,paid according to.yOVr Playa.
PSEC P.O. Box67013, Harrisburg, PA) 7 106-7013
1
PSL iMinimum Payment Ranges (per thousand portion thereof)''
FIRST PAYMENT: Your first payment is due and payable within 30 days from the dale of
the loan advance.
Minimum Monthly Minimum Biweekly
Loan' Balance at Time of Advance Payment Payment
19,OPO.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 16,000.00 320 150
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,OOPA1 to 10,000.00 200 100
8,000.01 116 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
4,00,0.01 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
Upto 1,000.00 20 10
-Personal Service Signature Loan Minimum Monthly Payment: $100 for original
balances from $1,000 - $5,000, $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 co.respondiny unmet peicemoae role
on the overage doily balances of purchoses and cash advances as described below.
Visa (Purchases) Monthly Periodic Rate .00825 Annual Percentage Rate - 9.9%
Visa (Cash Advances, Checks) Monthly Periodic Rate .01075 Annual Percentage Rate -12.9%
Minimum Payment: The minimum monthly payment will be either (o) 2.0% of your total new balance or S20.00, whichever is
greater;,or (b) yourtotal new balance if it is less than S20.00, plus (c) any portion of the minimum payment(s) shown on prig
statement(s) which remains unpaid.
Collection Costs: You promise to pay all fees and costs associcied •,vifh colled•ng the urriouni you owe under this agieen-07
Such fees and costs shall include attorney fees of 20%of the outstanding loan b ,fence, plus all other fees and costs paid in
connection with attempting to collect the amount you ovve.
Late Charge: You promise to any a late charge of S20 if your pA?nin,??rr, P?y-na a e-err by ike first _?r,y th,e m_nth
following your due date.
Over Limit Charge: You promise to pay an over limit charge o $20 if ycu ex::eed your credit limit by S 100 or mope.
Overdraft Option: If you elect to overdraft to your PSECU Viso Credit Card, t wt election is subjc-ci to the existing oedi'
limit, this addendum and the agreement it represents and the current loon polc_y at the time of the overdraft. You also under-
stand that on overdraft will be considered the some as a cash advance on your PSECU Viso credit card grid shut the current
annual percentage rate for cash advances will apply. TELEPHONE INF0RAhAT10N AND MAILING ADDRESS: For all purposes
as referenced in the Visa Credit Card Agreement and Truth in Lending Disclosure, call PSECU of 717 234.8484 in Harrisburg or
800.237.7328 nation ide, or write the Credit Union at: PSECU, P.O. Box 6701 3, Harrisburg, PA 17106-7013.
Para,„F+u„-o Strife Ernploynes Godn Union P.,rn, #3100 5,10 7
Credit Life and Credit Disability Insurance (cfteree through CUNA mutual in-rim Society)
CUNA Mutual Insurance Society Credit Life Insurance (cost per $100 of monthly loan balance): Single Credit Lite - $.070
5910 Mineral Point Road, Joint Credit Life - $.123
Madison, Wisconsin53701
Credit Disability Insurance:
The Schedule of Rates shown below are gross balance rates. This means the rates are appl ied to the sum of the periodic loan payments
which remain to be aid 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 our loan). For example, if the projected term of your loan is 24 months and the benefit plan is a 14
day nonretroactive, the rate for the term is .2950 per$100 of aross balance. If the amount of your periodic loan payment is $100,
the gross balance of your loan during the first month of your loon is $2,400 (24 x $ 100). Our charge to you for insurance for the
first month of your loan term would be $2,400 x.2950 x 0.0 1, c r $7.08. After you have made yourfirst $100 periodic loan payment,
the gross balance of your loan would then be $2,300 (23 x $100) and our charge to you for your insurance for the second month
would be $ 2,300 x .2950 x 0.01, or S6.79 etc. The charges we actually make 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 is d etermi ned
according to your loan plan. Please note alsothat if the amount of your periodic loan payment is greaterthan the maximum benefit
Perm'isI hownintheinsurantescheduleof ourcerti(icateafinsurance,ourchargetoyouisbasedonthesumofthemaximum
oene{its per month times the number of periodic loan payments remaining to be paid on yourloa n. Forexample, if your periodic
loan payment is $400 and themoximum benefit per month is $ 300 and you have 24 payments remaining to be paid, the gross balance
be $21.24 (S7 , 200 x .2950 .0 01 1 .
of your loon for purposes of this i nsuranca would be $ 7,200 (not $9 6001 and our charge toyou for. mur nce the first month would
Pennsylvania Monthly Renewable Credit Disability - Disclosure Rates Per $100 of Coverage Per Month
TERM RATE TERM RATE TERM RATE TERM RATE
1
2 0.0000
0.0000 31
32 0.2561
0.2519 61
62 0.1791
0
1
783 91 0.1485
3
0.0000
33
0.2479
63 .
.
0.1766 92
93 0.1480
0
1468
4
5 0.5395
0
5627 34
35 0.2443
0
2408 64 0.1753 94 .
0.1460
6 .
0.5796
36 .
0.2367 65
66 0.1742
0.1730 95
96 0.1454
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
O 103 0.1405
15
0.3784
45 .
0.2099
75 .T633
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 .
3
8
51 .
0.1966 80
81 0.1573
0
1565 110
111 0.1365
0
1362
22
23 0.
0
0
3013
3 52
53 0.1947
0
1934 82 .
0.1556 112 .
0.1355
24 .
0.2950
54 .
0.1910 83
84 0.1545
0.1539 113
114 0.1352
0.1347
25
26 0.2882
0
2817 55
56 0.1889
0
1878 85 0.1530 115 0.1342
27 .
0.2759
57 .
0.1858 86
87 0.1521
0
1514 116
117 0.1336
0
1333
28
29 0.2713
0
2670 58
59 0.1837
0
1828 88 .
0.1507 118 .
0.1327
30 .
0.2614
60 .
0.1809 89
90 0.1498
0.1493 119
120 0.1320
0.1316
Loan Disclosures
i Late Charge: If you are more than 15 days late in making c payment, you will pay a late charge equal
to five percent of the scheduled payment.
Collection Costs: You promise to pay all costs of collecting the omoont you owe under the
agreement, including court costs and fees paid to oU-side ccllec!ois or collection agencies up to 20
percent of the outstandina loan balance.
Footnotes: (1) At the current interest rate, PSECU will finance up to 100% of the Manufacturers
Suggested Retail Price (MSRP) of anew, current model year vehicle (untitled); up to 100% of the retail
value of a new, prier-year vehicle (untitled); or up to 100% of the retail value or a used motor vehicle
! (titled.)
At the current interest rate plus one percentage point, PSECU will finance over 100%and up to] 30%
of the MSRP of o new, current model year+ehicle (untitled); over 100io and up to 130`/0 of the retail
value of anew, prior-yeorvehicle (untitled); or over 100% and up to 130%of the retail value of a used
motor vehicle (titled). Maximum financing foramen ber-owned veh!cle or raftnuncing an existing PSE
loan is 100% of the retail value.
For used and prior-year new vehicles, PSECU consults the Kelley Blue Book 1l, (registered iic demork
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 titled vehicles The
vehicle must be titled to the Borrower, Co-Borrower or both. The registered owner urn the Certificate
of Title may not be a business, corporation or trust entity. Vehicles must'nove a minimum value of 53,000
and must 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 niodel year)
recreational vehicle. Used !titled) recreational vehicles may be financed up to 90 percent of the used
retail value. The Kelley Blue BookO or other authorized guides will be used Codetermine the recreational
vehicle's retail value. PSECU's minimum RV loan is 53,000. Your RV must Hove:, mini um retail value
of 53,333.
(3) The Annual Percentage Rate (APR) for share securec and IRA advances will be the dividend rote being
paid on regular shores (Index) on the date of the advance plus the percentage shown i n the"Percent Above
Index• column. If there is on existing balance on the dote of the new advance, the existing balance will
be added tothe new advance and the entire balance will be at the newAPR. The iates ui c subject tocncnge
to reflect any change in the index. Any increase in the APR will take Tile form of more payments of the
some amount until what you owe has been repaid. Loan rates on Certificate and IRA loans will not
fluctuate during the course of the loan.
(4) Shares or certificates pledged must be owned by the Borrower or Co-Borrower unless the Snare
or Certificate owner authorizes the pledge in writing.
(5) PSECU will grant loans secured by Share Certificates. iNlaximuni financing is 90%of the Certificate
pledged. TheAnnuol Percentage Rate (APR) for Certificate loans secured by multiple certificates will ba
based onthe certificate earning the greatet dividend. Tne term for Ce tificuie luuns secured'oy multiple
car! icatesw•illbelimitedtothelongestterniie-iftinyar;iunahiern. Eariywiiiidiuwoloftheunsecured
portion is not permitted and the loan balance will be due in full r the Cennicate s withclicj n prize to
maturity. Monthly dividends are paid into theCettlficcte. ACmarui`dy,yovourrnonzaPSE{Uioredeem
the Certificate to pay any remaining loan balance. Funds remaining after iepoynivw of the loan will
be deposited to Regular Shares if you do not contact PSECU on or'uefore the nwt inly date, Automatic
renewal of the Certificote pledged cannot occur until the loan balance is paid in full
(6) If you hove been approved for credit underthis occouni, you will be given a specific credit limit
- This credit ??inn . federally ins.,red by the Notion Credo Un?a+ Adi,n strornn. &;+?nl Orp. t +iry Lender
t
CERTIFICATE OF TITLE FOR A VEHICLE
495
100779999004494-001
I
1GMDV33L86D224754 2131161 PONTIAC 63794104003 DE
VFHtCLC P:ceiril'ZAT'ON NUUBER I
`TEAR I •AAVC OF V2-f'CL Z 71%E ^:ULEER
SW I 0 I GA 6/05/07! 020934] 0
.00Y T'?PF i DUP SEAT LAP P111.^.R Tf71.C S7.U9 COCL• uRCW . JArI' E OLI0.1 : F.fI:.,:S OOOt.I STATUS
10/133/06 i 6/05/07
DATE PA TITLED DATE OF ISSUE UNLADEN WEIGHT OV•Af9 WWA ` TITLE BRAVOS
n (? REGISTERED CAWICRIGI '
ROBERT L & AMY M `DECK-'
116 OLD MILL DR
7n1?' CAMP HILL PA 17011
UOCLIETER STATU^u
it . ACTUAL MILEAGE
I VILFAGE EXCEEDSTHT VECHANICAL
E.aerS
'L . NOT Tilt ACTUAL MILEAGE
3. NOr7HE ACTUAL VILEA051000METFR
TAUPERINC, YFRITIEO
ECEUrT FROM ODOMETER CISCLOSURE
l TR1.E HRANOS
A . ANTIQUE VE14ClE
C - CIASSIC VEHICLE
U • COLLE:TIRLE VEHCLE
F CU CF COUNTRY
O . OPIGtYALLY MFOG FOR NO" US
r WRIOUTION
II AC06CW TUBA; VEHCLE
L -IOC ,wG VaNctE
P - 'SVAS A POLICE VEEIX1E
R IIs:MNSrTUI`fE0
S St!EEI;W
T + O?hflEfr TYIEFT VE1dC'LE
Y . Yr • ICL[ Cot.-A41S T1EiSSUED VI17
w - 11 OCO VE111CL0
X .&WAS• A TAXI
F11181 LIEN FAVf)- I Of
PSECU
SCCOiIU ) IEN FAVC0 01"
`•t ( It a w"a L-hens II.•Ie.C e. uw ratl:1mmi w Ifp lima tk'v% lho firm
y !?
•c. . Iu•IFnlw IR.•:t k+••m.•1 qaq 1nh' ILL rlu. firryau W Mlol<v Vu1.:dAa aAlh Mio
I If.[,. 14 N I)FLE AfO y. rr.; fc{:Ntf. 141Iq 1I'}!lU
"" fx DATE
1{. AUTHORIZED REPAESENTAFP& ruTr
"?' tAAIL:I!: AODRFSS
y AUR N)RI ILE) DSP!1:SEPI FATIVH
PSECU
P 0 BOX 670113
HARRISBURG PA 17106
'00
peens tvania
OCPARTOWNT OF TRANSPORTATION
ALLEN D BIEHLER
? '" 1rn'rurrY nt'Ihlnspn Rli
rt eo
I
?. • !'•
ti •''-!'?
?+'? I
t
?Y
T f. t lykj.' `'"t?• TIT•f! L:
r . } X'A
,. y••!0i
!'
'
..
r.. ?
'
• )
SLY4.:: iv. ) ATIJ !i•AK)fI: i ?)P,-
`
if J :'. 11U•=t•• .. ? y, ]n Ilfwr SI oucr> is uaWd and you want the ette to
?`' +;TV
E?' rO BC1•••^f T.I; hO • .r )d n1 'dl•YY f all xo;; 'Afdlt }jt;9hE 0' StirYIVOfshlp' (On death at Me
q
t •`
}, rwf-,, a•1. Q• . D. •,f.
I, ; , 1; , . ,I
.. ...? VMCI, IIEFUl ? Otherman, mottle
. ,!: f.I mr..:R' (CSR il-mlli of me OCVi1er, loterSSt GI
.? -
,
T
r' )L (, J; --' 'a-•- - - _ -
----•-_'- `. °_- - -• --- --- - - .. ...v r . . 14 -'1, LIP r , 141 • • 0111HED) YES [ l ND_i
01
1,•
ZIP
1'` nA '.: W ma A! MILUI fttwd.. W wo fh mo AvTr.I. I).j.o,w.t
-?:.?•. •.•. 1hn? I aW1?61'A tNIN]•MMUJ'I..h. .:?.m ?. l+•••A.h9 u•.rw
I r ? ' 4' W'n •'J •'•. In1.•
.
I
. n •
. Of OEUUN•FD) YES t_:
1.0.
,
?? _ --
-
=-
•
Guar r•?. l..i. 'Ave
:r yl.:^
l .a"n'r iV Pr'FO. M.tn ):'TF,cC•faa `1 f S1A-E Zip
•: M^'4% -'_ -i=
`
. 3!'y.5•'LrJ•^'i$'?t:'.I;S!'CT"!TT•; S'd4:urrrtri^^
v7' •.
` _ '!- ..e...Y?r: :••r_:.._?.u:scsr.•.....e., m
+v?r. z .sy y er,T,rM•,.ay,anr:E'••rn_Y&»
)1:
: -
(i iCa? ;tfiSArlt li t-r 1?I yf?; r n!I'tf f
f
; M
io
"
w
?xisrt
v of-1Ta??
(TYPE OR PRINT) Certlf? f 71t;e must be submiURd s4hin 20 clays, unless the pw registered dealer holding the vehicle for resale.
WARNING a RAI AND STATE LAWS REOUIRE THAT YOU STATE TFIE hfICEAGE Ir, fJNECTION WITH THE TRANSFER OF OWNERSHIP. FAM URE, '
TO COMPLETE OR PROVIDING A FALSE STATEMENT MAY RESULT IN FINES OR iMPRISONNIENT_ 9
Pa,Vxad:ava vest: s"' ,m LAST FIRST b!IDDt.K• IIAr.b- ?
au 1 V..., o
A. A S Si G NM EN T O F TIT LE-..••w•air.+x 11 pane:<, :_QT
Svt ,Dvn a, 1-1+ANt'o.ma .h-arNOO1 P11 "At D,1FI.LL
W14 wt:fy, to Ihs beat of mYmvf knarledoc IFaf the Cdam2ler •cad'np is BUSAVCSArdE To
TENTHS CC-PLPCVASER 2
_ - _ - x mites and reCads the actual noleape at the vehicle, - m
STREET
urtess ono of me Idlawinp boxea LC chccxed ADDRESS
? RePects the amourt of mdeaye ? Is NOT the achml m-lo.G. ?? rn
Inexcessofil maehanicVAmes VIARNING. Odometer dscrecamy CITr - C
W.V. rnnllar cediri Thal the vahda is Pee of ary ancomomnce and Val the ownership Is hereby PLRCHASE PRICE :3
lranslaaed to the porsonfs) cr it. aeafir Ilstad STATE ZIP OR DIN to
w
SUBSCRIBED ANO SWORN m
TO BEFORE NIE: 3
J
Q
W
Ti)
bWe cerliry, to the hest of mykur Mawtedge that the odometer reading Is
1FN(H.9
x nice and reltects me actual mdenge of the vehwW
unless one of line faKmvfng boxes is chocked
Reflects dm a-t of mlMago le NOT the ecWal Vr =
me,'Tgooa
In man al ae niMCItaIMC01 ymlis ? WARNING- (Monletetape
r lwe huro?d This pm on "ItIc he aalesk any oncumhranw and That the ownarshtp is he
SUBSCRIBED AND SWORN
TO BEFORE ME:
4
g
4
LAST FIRST MIDMIC NAME
PURCHASER OR h:AL
S1fSINF_SS NAtAE
CO-PURCHASER
RTREET
ZSRESS
GTY
STATE zip PUTICHASF PRICE
OR DR
HERE
Ilwe comfy. to he boll of mykuf kramadoo mat the adnmeki• Ica ft is LAST FIRST MIDDLE NAME
TErrnle .
-i. x rm1oa and reflects Iho actual ml7caaa a1 the voh o. Pt)naiASER OR Rat
unless one of Ile: folh%drg baxaa N dledwd. [IyA NESS t{AMF --
1 RelPocta mo amaml of M118M Is NOT me notuld CO P11MILSER
? la excess of h modwdcal xmaa ? WARNING Odometer dbereparwy SIREFT ' ?--
NNe Mmhor eertlry mql Iho vahkb rs hoe of airy onombianea and that the owmrship In haraby ADDRESS
V•,nsletraU b 1110 person(s) at modeaMr Kited - --
QTY
SUBSCRIBED MID SWORN - ----
TO BEFORE ME. PURQI?SIi PRICE
- MO. DAY YEAR STATE - 21A Oq dN _
T SIOfJATULiF..
WJU certify b m: bast o1 IMAM km"'sdpa I Wt the odanlelal madnlg a ? LAST FIRST MIDDLE NAME
TI,NI la
x W41- and naffonM ma notunl n*Oago Y ncS "We, PURCHASER OR FULL
adlsc mro of and Io1AwIp twses r•, ~WI w'SN1;§UiAtlt _ --
---
E Rolleclo, mo inrvnna Orion!). ("1 Is NOT Im adud mW. p
l n excess of 14 meeharVeN klrulb L
1
? WAFVl1
vG:7d
t
<Yw CO PLa "5117L ' - -- - --- - -- - - -
.-
.
ptno
u
ay>naey
Vvvu findw randy dill me w lxcl„ Is h W of any micumbmlxo aIW brat this clink ItIols lwmby STR[r-T
AODHE S:
bandemill to the poison(s) or The doaLis W:rcd - -
SUBSCRIBED AND SWORN CITY
TO BEFORE ME-.
r.t0. DAY - }§L( 1 UIL n Ad r iiK'.
S- .-- --- M' - as Del ---- -
- ... 4CJtA,1u.l DI PF''9CI..N4'I,Jj 1 Tte.R C*Tt! . _._._ 11%,11
i C
J
,_• ( n _ _ _Cr}PUPf4A3FJt 9C.r).LTURE
E
g
r _
PUFiQNSFJi M;Cm
m
CO PUH41
R
0 /
A
° hr.9E
a
- cC _ S;ORATURE OF S 1 FIT
4NON
vr
rI
Rj
Aw HERE
C. ?CHECK HERE IF APPLICATION FOR DEALER TinF AND COMPLETE SECTION D. TITLING FEES $
PSE 1?
03/17/2010
Via Certified and First Class Mail
AMY M DECK
CAMP HILL, PA 17011-8201
NOTICE OF REPOSSESSION AND RIGHT TO REDEEM
116 OLD MILL DR
You are hereby notified that your 2006 Pontiac Montana SV6 V1N# IGMDV33L86D224754 has been
repossessed by the Pennsylvania State Employees Credit Union ("PSECU").
The motor vehicle is currently being stored by: Dawn Conversions Inc. 1445 Holly Pike, Carlisle PA
17015. (717) 243-5550. You may redeem the motor vehicle and terminate the Contract by paying the
following amounts on or before 5:00 p.m. on 04/01!2010.
Unpaid principal balance
Accrued Interest
$20,904.19
$567.40
ADDITIONAL COST IF REPOSSESSED MORE THAN 15 DAYS AFTER DEFAULT
Late Fees
Repossession Expense
Storage expense (a7, per day
Total Cost to Redeem $21,471.59
Payment to redeem must be in cash, certified funds or a cashier's check.
you qualify, upon payment of the arrears and additional costs only.
We will sell the 2006 Pontiac Montana SV6 at private sale sometime after 04/01/2010. 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. 3116 or (800) 237-7328 or write us at PSECU, P.O. Box 67013, Harrisburg, Pa.
I7II0-2990, 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 Ma allow you to reinstate your loan, if
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) Robert L Deck
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,
CC: Robert L Deck
Jodie Ross
Account Advisor
UBIT C Marling Address: P.O. Box 67013, Harrisburg, PA 17106-7013.717.777.2100 (TDD) • 800.472.1967(TDD)
"KN This credit union is federally insured by the National Credit Union Administration Equal Opporlundy Lender
Pennsylvania State Employees Credit Union
Main Address: 1 Credit Union Place, Harrisburg, PA 17110 2990 • 717.234.8484 • 800.237.7328
psecu.com
a
rv-)
ro
?o
B' Jr?;;?r ''Postage r S
C2 partified Fc !•. ' ? "Strna,k r ?< ?t
C7 . y
C3 `? i `tJ ire
Return Receipt Fees
(Endorsement RF.Wu're d1 r - "
- J
O Restricted 1)aiivery Fe2 Total! ?Itil1?l lt??`It ttltllt ll?IY?1I11,\ "s'.. r
n Sent .a AMY M DECD:
r- sEreor,, 116 OLD MILL
afPOr A 1701
(?1 MP HILL, P1
?:
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
of ?lrrra?, ? E!1 ?"? -C? ? ECG
Jody SSmith y"•+?? ?rr?r? THIF ?'€'
Chief Deputy Y;
20 11 MAY '_ 3, i
r?
Richard W Stewart
Solicitor €3F'=CE IF ' iE `-ERIFF CUMBERLA.;'?D
PENNSYL VAHI A
Pennsylvania State Employees Credit Union
vs. Case Number
Amy M. Deck 2011-3928
SHERIFF'S RETURN OF SERVICE
05/03/2011 11:15 AM - William Cline, Corporal, who being duly sworn according to law, states that on May 3, 2011 at
1115 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant,
to wit: Amy M. Deck, by making known unto herself personally, at The Cumberland County Sheriffs
Office, 1 Courthouse Square, Room 303, Carlisle, Cumberland County, Pennsylvania 17013 its contents
and at the same time handing to her personally the said true and correct c y he same.
i
ILLIAM CLINE, DEPUTY
SHERIFF COST: $43.00
May 03, 2011
SO A
NSWERS,
rr?
6Z
RON R ANDERSON, SHERIFF
CounfySuhe Sheriff. Iefeosoft. Inc.
(DavidD. Buell
Prothonotary
Office of the'rothonotary
Cum6er[and County, (Pennsylvania
7 rkS. Sohonage, FsQ
Solicitor
//-39,28 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
PROTHONOTARY
One Courthouse Square 0 Suite100 ® Carlis, TA 0 (Phone 717 240-6195 0 'Fax 71 7 240-6573