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HomeMy WebLinkAbout11-5523C,F ILED-OFFICE PROTHONOTARY 1011 JU' -8 PM 3: 06 CUMBERLAND COUNTY PENNSYLVANIA 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. TIFFANY CONKLIN, Defendant Attorneys for Plaintiff Pennsylvania State Employees Credit Union IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. // - S.S ZL3 L to c ??r_ 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 (( So other rights important to you. 1-2-a6 -k V / 32532741 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 32532741 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. TIFFANY CONKLIN, 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 pdginas siguientes, usted debe tomar la accion en el plazo de veinte (20) dias despuds de esta queja y el aviso es servido, incorporando un aspecto escrito personalmente o por el abogado y archivando en escribir con la corte sus defensas u objeciones a las demandas dispuestas contra usted. Le advierten que si usted no puede hacer asi que el caso puede proceder sin usted y un juicio se puede incorporar contra usted por la corte sin aviso adicional a usted para cualquier dinero demandado en la queja o para cualquier otra demanda o relevacion pedida por Plaintiff(s). Usted puede perder el dinero o la caracteristica u otra endereza importante a usted. 32532741 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 32532741 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. TIFFANY CONKLIN, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. _ Defendant COMPLAINT Plaintiff, Pennsylvania State Employees Credit Union ("PSECU"), is a Pennsylvania financial institution having an office at One Credit Union Place, Harrisburg, Pennsylvania 17110. 2. Defendant, Tiffany Conklin, is an adult individual with a last known address of 540 Hillcrest Drive, Carlisle, Pennsylvania 17015-4332. 3. On or about July 23, 2008, Defendant entered into a PSECU Loanliner Advance Proceeds Voucher and Security Agreement and Loanliner Credit and Security Agreement and Loanliner Addendum (the "Agreement ") with Plaintiff for the purchase of a 2007 Honda 32532741 Odyssey, VIN #5FNRL38797B413225 ("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 (the "Title"), a true and correct copy of which is attached hereto as Exhibit "B" and incorporated herein by reference. 5. Defendant defaulted under the Agreement by failing to pay the monthly payments when due and is currently due for the months of July 23, 2010 and thereafter. 6. Based on Defendant's default, Defendant voluntarily surrendered the Vehicle on or about August 6, 2010. 7. Defendant remains liable to Plaintiff under the Agreement as follows: Principal $12,367.48 Collection/Attorneys' Fees 2,188.49 TOTAL $14,555.97 plus costs of suit. 8. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., Defendant may dispute the validity of the debt or any portion thereof. If Defendant does so in writing within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will obtain and provide Defendant with written verification thereof, otherwise, the debt will be assumed to be valid. Likewise, if requested within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will send Defendant the name and address of the original creditor if different from the above. 32532741 2 WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union demands judgment in its favor and against Defendant, Tiffany Conklin, in the amount of $14,555.97, and costs of suit. BARLEY SNYDFiR LLC By: Aawn M. Long, Esquire Court I.D. 83774 126 East King Street Lancaster, PA 17602- 93 717.299.5201 Attorneys for Plaintiff 32532741 3 VERIFICATION Pennsylvania State Employees Credit Union v. Tiffany Conklin 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: ' S 2c?1? Gregory R. Diffenderfer 32532741 EXHIBIT "A ?1v-d '• I U!"Cl-A-AAWK 00" ® ADVANCE PROCEEDS VOUCHER AND SECURITY AGREEMENT SE I; Pennsylvania State Employees Credit Union P. 0, Box 67013 P Harrisburg, PA 17106-7013 717.234.8484 800.237.7328 MEMBER NAME RATE`-- MEMBEFTARCQI?lTN41QEr1 "-. NQ7ENUM[iE[t t TIFFANY CONKLIN :rte 7/23/2008 @qOd "151/1,10 0007183600? 540 HILLCREST DRIVE PURPOSE: CARLISLE, PA 17013 AutoCheck Dealer IRAN PETION 1 ? NEW LOAN 2 ? OPEN-END LOAN ADVANCE 3 [:] DESCRIBE ? HOME . . ( ) 4. EQUITY ADVANCE YOU HAVE PREVIOUSLY ELECTED TO HAVE THIS ADVANCE CREDIT DISABILITY INSURED WITH THE FOLLOWING COVERAGE YES ? NO (N SINGLE CREDIT LIFE YES ? NOM JOINT CREDIT LIFE YES ? NO DAILY CHANGE IEN TERIMS ONLY) ( ANNUAL PER CENTAGE RATE INTEREST RATE IS AMOUNT REQUESTED + OTHER CHARGES AMOUNT ADVANCED PREVIOUS BALANCE NEW BALANCE . 016411 5.990% FIXED ® VARIABLE E] 39,655. 74 1;4+ 0.00 39 655 74 PAYMENT DUE DATE PAYMENT FREQUENCY 1 , . PROJECTED LOAN TERM 579.14 8/22/2008 Monthly SECURITY • FE-ED IFTHIS IS A HOME EQUITY ADVANCE, THE ONLYSECURITY FOR THIS ADVANCE IS THE HEAL PROPERTY (IN MOST CASESYOUR HOME) WHICHYOU GAVE AS SECURITY WHEN YOUR ACCOUNT WAS ESTABLISHED. IFTHIS IS NOTA HOME EQUITY ADVANCE, IN ADDITION TO THE PLEDGE OF SHARES IN YOUR LOANLINER' CREDIT AGREEMENT, THE FOLLOWING PROPERTY SECURES THIS ADVANCE. REM PROPERTY MODEL, `:XEAR".•' ;'.f4.N aEA ='`TYPE=.1•<.; ;. .:_ :;y fife*;? ' HONDA 2. 3. DYSSEY 2007 5FNRL38797B413225 SW 30,505.00 4. OTHER YOU PLEDGE SHARES AND/OR DEPOSITS OF $ IN ACCOUNT NUMBER A OLD ACCOUNTILOAN NUMBER (A) PAYOFF PRINC. + INT. OLD ACCOUNTILOAN NUMBER (B) PAYOFF PRINC. + INT.) OLD ACCOUNTA.OAN NUMBER C PAYOFF (PRINC. INT) OLD ACCOUNT/LOAN NUMBER D PAYOFF (PRINC. + INT.) OLD ACCOUNTA.QAN NUMBER E PAYOFF (FIRING. + INT.) OLD ACCOUNT/LOAN NUMBER (F) PAYOFF (PRINC. + INT. By accepting the proceeds or by using the funds advanced and deposited Into your sharelshare 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. 0 CCHA MUTUAL GRGUP,1980. 82.84- 80.89, 98, 99, 2.=. 01, 04. O8, ALL RIGHTS RESERVED PENNSYLVANIA STATE EMPLOYEES CREDIT UNION FORM 83175 JVXX0100.1 037.2092-1 (0/06) :; w2 n r NED 06/24/2008 10:04 7172_ j76 FAULKNER CERTIFIL_ Application, Credit Agreement, and Security Agreement PACE 02/08 TIFFANY CON&LW AppUcaaeName XU-XX-4385 =7070 Sadd Security Number BIM Usti (717) 2.45-9781 (717)69)-858a Romig bone WorkFhooe Address Lim 1. 540 MLLCRM DRIVE NIA COAADIIatatName e NIA N/A SodalSecurityNumber Birth Date NIA NIA Hgmefj o)m Wdrk Phone Address Liao 1: N/A Addrz3rLine7; City: CAnl$LB state: PA 4:17013 71roo at Present Addreut 1 Years 4ltf*Mb Housing TyporOwn-tnt4 SOusbigPayWegtt$1323.0 Ewpleyetr ANGIES NEW ANOMA Tide: MANAGER Time M Employer- 2 Yeaq 3 hjgWbg Annual Ipcomer $52500.00 OtkrAa1lualbacomu$0.00 ' Attntagttddlrlsrgtporrdr aaamxJ?oacsLxnrnassadrtolbarwwlMilyoy dpnot 4&,b )tare it can aid, Source of Otkts'A' faeoeoe: IMOr7" Obligattovs fox alboenly, child support qr other eouri-ordtred psymems: $ CWldugh ame Savbsga2: true Baukruptty id the last Ave years? false Cfdzewhtp Stator: US CIOM Address Lim 2: NIA City: N/A States N/A Zip. NIA Time ar Present Addresst NIA Years NIA bfoaths Raising Typo WA )?taOWPeymedt:SN/A Emplogar:N/A 7pi , MA Ti-idFmployertN/AYears N/A 1? ums ArsAaalfocomet-SN/p • OtherAarhallrcome: SN/A AliawnA-Gild:ttyportorttp®aramavugaaca6+eomedtedaolbantvdaldd jydadoMelir0to trawucomidwrd SOUtce of Otkar Iacoum NIA Monthly obh'gattatu for "Xky, cbUd support Or other eonrtardered psgmwfas $ NIA C,becW*N/A SavlogdsN/A Bnalmiptmy in the just five yvgrt? NIA Cittxtdship Status. NIA A OW AMOUN Regtustedt 539,055.74 ftVWWdleketltop: pfyfoo Cr A(;U AepayM Wt Xrregnancyt Monthly 9ebkle value: $30505.00 LTy: 199.99696 bte2v9iltOW 5,99%. Tam 84 PayyAoAte Au &gnt=dCwA=11cwtAgreementwiththeFMAs-yinlila t teEmulo aG?•editUnky head As LOANLINl,M dbeivsarea provided ft yva by ft dt*V1gp. Rleaea stga and dater TOM promisr thu avmyd tnsyou. have dam 1a rids •pptidattaaWWA update is corrtiat to site best ofyoar knowledge. Nome"any idVdmal thaogss, you wilt goofy us 1% -Aft lncmedliely. You audmixe the Credit Won to *43 credit repasts in co=aWga rritA tlds applleaooo the oeeMatO gxkts end any fidute update, renewal or mtaarion of the Owlt saMeived, You uadattaad *st40 Credit VA19A wilt rely on the id4oxa ian La tys appl"donAsedit updata sad your taadk mport to mks IV dodrloo. it you. n justA the Ctadit Won will tog you the name sad address of Say credit bnceau fiom which it :ecdTW x taadit Hirst an you. It is a Wets! matt to Tuffiloy a04 daillwaloly provide the Wkte or lmotmet inhonatlan onleaa app loadcas made tofadowl %edit unions or:rm -cl a .wed cre it anions igeartd by NCUA- if you am VoylygIbr a LOANLMR®mama, you"you bavc tccoivcd, read and are to be bound by the LOANM1PMRO Csedit and $oeurlq Am"=&, idoludity the AddMdumf AgtaeatecM Ifyou in appWM for a LOAMANUMP xamant, you scant on a scantily interest to ail indrldu d and joW Share and/or deposit accounts yon have v ft ue my and to the Mature to secure arbatyow one ruder the All"awaL, Ityou an 1R dahuit, yea authott l e as to apply the bataxco in than accounts to any ancients doe. Shares and doposita•ia saxwli•MdudOmtkameat AAccovA and any ether aetol st that would lose speelal tat; OVOiaent vAdev State or tkdeml law if von ao sosurity are not subieet to the svewritytataaest you have Show to your shams and deposits. lfthisisan aferJoWMme A liontawdCpd?p beant, each astasth4twetatsndtoapply toriobstcroM(sigebalow). No I (the co- ksnt) acanco?ledg: that I em olW* for membership in POW, and i provoke to cttablitb wwwbarsbip with MW as pro >s TIFFANY Dais This credit union is federally insured by the National Credit Union Administration, l gaal Oppftm ity Loden. D 06/24/2008 10:04 71721, 16 FAULKNER CERTIFIE PAGE 03/08 Authorization to ElectroWcally Tlrttwx t Uan Proceeds to Dealer Please select one of the following falading optiow fbr application 718360: Pleiase electronically tral swlt $39,655.74 to the dealemhip Indleated on the IN of Sale [?ea my behalf for the purchase of a 2007 HoAtda ODYSSEY, VIN SFNRL38797B413225, I understand that the loan wlli be set up for 84 payments, the repayment method will be payroll or ACII, the repayment frequencywill be Monthly, the loan to value is 129.998%, and the iaterestrate will be 5.99%. Additionally, I understand that PSECU will send a I.OANLINEIM Advance Proceeds Voucher and Security Agreement to me via U.3. mail after PSECU receives the completed loan package from the dealerabip. By accepting the proceeds or u the & advowed end deposited into your shardAwo draft account, You agree (1) that the property ratiscmed above will secure rho advance and nay other advances you hive ww of r4celvB In the Ottars under tbo X.OANLRM6 Credit and Sacatrtf Areameat (the Ploxt) sod spy other ammats you owe us fot any reWa now or is the fuhve in accordance with the terms of the Platt and to matte raytPeza an disclosed abova In awordanoe with the to ms Lftho Mau cradle, ,A,pp&aatIand C0,A110IIcant each Wee *Aft btepd to apply far joint credit I/we ?y idle terms sat forth b#%ja for are oftbe proceeds of such credit (sign below). - OR F] Seed me a PSE+CU AutoDraft to my address ofr mord. I understand that I'must retanx to the dealazillip with ilae A,atoPraft to purchasb the vehicle and that the loan will be fwaded by YSECU once to dealersbip hap, dapt>gited the AutdDra$ and submitted the necessary suppourtlag dgatmenta'tiou to PSECU. Additionally, I understand that I must complete The AutoDraft in its tatirety for PSECU to Awd my local, completing the mount to lie ftnanoed, selecting a loan tedn, choodag a repayboetit miethod, tmd providing PSECU with any other required lnfoxaaaation or apslstanee necessary to complete the 4=6acdon. If" h so eppliwUOm forIOIat erectly Appptnlot snd Co•Apgoutt each agree that we intend to appJb for Joint t redlt. Ihm agree to be bound by the terms set forth herein for we of the proceeds of suO credit (sAp belotr). TIFF IN flaw This credit union is federallyin=vA by the National Credit Union Administration. Equal oppo=ityLonder. SCANNED F. _ E }( elms 11 1 eJf=ij}" 17 {tiC Stoo At 1f1??!! 1 , ' -- - - - - to 'I; r: ,... I;': I., ,•.t .:.i::, I, ii w,c; 'r ;.'I.s Pr,/il :-d [:,I'; 11C f{:.. .).1, 1Alt. fir. t•''JI .. ,, .' .. 1 , .. .. ,. ":I .:' i!`1t:5t' .s cq-,.SA 1 .r. ., ll:. r. ,]r .f !':•.lr ?. .. : ., : r i1FPAy','F'1 ( r ,I FEFS AND CNMNAS rf Q . r i l7R(7AilNG C('t?.D(F'rP1FC7fiWlATtt)t1 -- 'r ;, ., i1 ?: • r ?sy ?; .r.; us '. PLAN ACCESS n IC. .-A 1 ..,.: , ' .. . ,. C EFAULT -- The folluwiny pa rig; anti ripp;:cti to Clorroaots it) ld:nca, Kansas, Aeine °ind sn-r'h C-+r->I r r.. „ ,:.;.. r ... - r =r,,• .r '.'rr , ...t i:, r7 rP ., _ .,.? I .!1. ... . _ - ". . _,.?., •. Cr „ !ha ]he fodowiog 171,ugl €ph :fppi es only to hiwo"M In mmmstn' v,4v, ! t,v :rl ., y F NANGE CNARG:" - ,. ...:_ . (.'.::' .or rr r r., .:r r: sad 3 '.=r ,.r l ., ,: r iY ?r "'Sn , a ^? f t „• I'. _ .., •.n,'; 't : .., . ...,.. in '._ . A r a ,... , _ 1-11e following p.lrawgrs apptres wity to bwwwara ut low no Na 'rr. .•:3 .:.:I•:. - -, ... .. 4 prl ,'?.i , r .IZ 7 .L it yo . .. WT O r w 1•, la :ale: n . _ :.. To 1 ..,..b L, w , r " 1't7L following p tags Iph applies to borrowers h, QU oMc sAfes. , .:I r !TA ,k m V, if vJ-n-:t j SEC(JRYTY r, ,. Gr 1-:. In .r, v , -.._ _ , _ .. .r , - /...: .,,..:'Ift ?,..3 r''.: .?IC:r ',ji ? i i Il:r :::f) ? t• - C'," . _ , ,., - 'I„ rt, .. i., 'i. lsf - ?I f f.•I i r ( ""lY r 1r i . rr. r s. The .3 t 1 ran or f lilc. " pWrgWW atph,,s rl .111 stuffs et cept in Ohrt Rnade I>In d an-i i.lT : r wN r : rX?r. no d r c1 :r l' irtas saCh?Sett S: :: ., °.r'- :.:;:. P4 . ,. .r^'.i•,r I ie^r .. ,,w on nwi .. ? t'- 1 I'. ` - •' ° 1' '' . ACTIONS AFTER DEFAULT ? Dw NWAing p arr Jreiph applies to bo'r'rowers in r l r ' " I" • - ?- ? ' a , Color ado Dtstrrct or Co., nbia.Jolti . Kansas ht r 110, f t 3^.s Chusetts f fisst;,ri .. r.=_ T u 5 a ulo y , . . , r ){Ora) r?r' n kUr }oeu {.,midge W IS allow us 10 apply the fuoq , Wm la 501111 C:wlini 7r.d West Virginia P 00 'u r 1t.?ura u,I{,r w ? l.. I ty7, we lrhenw?iarf in d_fcu.t a1? r no • 1! : .,*r r r i y t uric t 1f ,r ?r t I 3n 7 t' 'ri 1 1 ?- ;ri f ? e . ..r ,fir F'13', b :'Llt :. rr The following par I raph apprieas to burrowers in all other states except Wisconsin _ .... ; ? aryl Louisir2na I' I:r. 7t '. r-„.r .. .. r ... , r •. ..._ .l:. ) I. I [ -.. r. .I c! 1 .... .... .. _. •. . ..., .... .nl ; {r s.l::.... ;ry '; the b0omng paragraphs apply to borrowers in all Et, ios except Wisconsin and .. .. :. :.:. .... :. ...'. ::: .",.::. ::..'.:1.., .; ".n- i , ;.'I-: n•.,.. , -. ?r no a ni 11'"P.i u PSiil!CE W CiJ :'iGfIER - rfiUR SIGNATURF ON iHIS NO IE ERNS THAT YCJ idil: EOUALCY L 1A_lLL fUR REPAYNIIAIF Of THIS I OAT IF THE BORUVKR CCES JO? JU THE LENUER HAS ;LEGAL RIt:r1T ; O CCLLEt:' EROPr1 YOU. ,.., -. , .. ,. The h - ,kart, ,Inl,t -. ;,ply a yvl, yivr secau rty rt c:,nr,ec. r.of'. :,fl , .• ,. ..'.' ?• . '' : :. '•. '" advonre uncle "ele they in all :!ales except Lolnsl:Hlll. " - :. -:. .: •. - - ... -+. •.:. Louisona hoe veers r,li execute a eennrw- •:ectlydy rf!' - , I'f: ""l t. L;(if'mCr:: ht . .. r-'.. .. WIll.: stales rndy Aku Ue Skm In cti.cule n neporfle Securry aarecirfa I. ' HF ,iF CIRtT r F "N 1't h F'Li N ,... .. ... , L.• am . M r.,n ,.. ,r1.. .-,, xQ 0 A'a<or+s;n boil t. c,... .. ,....:;re ? , +.,,1 +•Ir, - v . :. .I - p r. . r R r WtMTMESECUH YINTER ESTCOVEPS/CROSS COLLATERAL PRO'VISIONS , ..: t. :.r,. r, ,.,,. ... ., ... -.. , ' :'.II r ..... , ...:r ,! ''I[i 1:'l ?., L. ,, ,Y .'.,?. .r 'n; , n5, rr.n '.3 ' r;v I' r ;.I ,',; r", ; a r' -. :. :•I _. . r i i. , t v AAA .,'. It also secureS any other ,advances you have now Or r£I;eiVQ in the rttili r'L` 1117der Cf'IB Plin and iiny 17!11er a111UUnt5 D/ loarl$, P- J^ 1?l indUding dn'y LrLdh Crud loan you owe us lor' any to'a3on now or in the 1Utur'e, . - ,.' .. exMpt -in'y Io7n -,r'currd by your principal ms'rfan" ; ;x:. r -'...-,,,E • •Ji-. r, 1 10 .. - t,, ... , ' r a•.vrtERSHIP aF THE PROPERTY -- - r ?.. roe k4 < m mg pa Ways iir% vs any to Laer sr:?na ao"cl.e r, 0 , w '1 0', „ _fC,. r-. .., _.!E:•. .. rl- !i .,. ,Ir'• , .. - r .c.. .. , ., ,- 1 It h2: rA ! AND 1-S -- } I !I r 1 PROPERTY INSURANCE, i t. I y? i rt I 1 's Y. I F ,"f =1 ifs we a 1-t t r rn.] r - -. '' loo 1 ..) rtC fr J ,r+,y r , 1 : i I 1 ( ;:! Gy C .t.CELLIr ( OR i H NGINP THE PLAN - Pre fo"M, FaerayWh 4W Y rr I ,,' ur y W Uor J mm , r lihnvis r t:. t trl I ; o' + f if tr ., 4!q . , ,,. - i ! 1 .. UV ..Y .., ., _ y r Hn f, I I IC'i:'it f be d r J in ;7 rl X j '"r r no r , .,•11J i Au 1 11 „,. 'I W., I[ c; r:r , to ?Vnl ,h,i j T'!E f,.^.1, UtY'r) f paf agrnipfl aupN,'s cfWy to Dorrotmi-s in Mscon fh !Kc {:3y i_L, :, r_ i . .8f .:a , , t .tr=y r f tl Jt h5 : .,I ...., ,.... .,, _r .n...?. ' •.a : ,i I :' ' Fr?., . : i? . ,,. , .. .. All ?;'il t ,?, t LJ! "I if Ir I . 1 l .''. ' ,•'. 7?yn The 410 win mph (awuys any rJ no"on"s al r wa: 01 :,r r t; If J no ,.::,I f II , p ! own=, mom '/ ;I' . g f, y . - ?'l;t ..- o. :r ..311 r is , 'I I t III :![ t :;' f ire 7 I ,Y f (,I : 1J Ire I vs?MIWN 1 i U ' ri I , ca a r 'Y '" . ., rt ! 01 R.?r f ItF - ; - ' .'i.:: l I1 ..: ,... i .r. t, i 0- `! 3 1 ?.. 1 i n"-"l ` I.i li , ,: y' I rf f 7 W 'r Ir t J't r r x r i .F:1 fit ,: :.J I T l,? 1J tf/1 .lei (tar lJfBpfi 3(eFJI. E? f0 bb fOlt EifS l Afi of/7L/ S 3te3 INSURANCE NJfCF - :i t?' r r ra - J c, 1 ,? t .. r to the i .. j If :, 'the htiurrnce well not ue Ilabllity i isurance and ' •' - wo no Satisfy ,.ny state nnaneill r -spmabt!ity or no fault laws rt B W pzr yr L ' •7p, s ;o ate I 1 'i ::.rnsia by r lme 5:.a PROTECTING T ' , HE SECURITY INTEREST no or I?W - . t e 1 [ r r r DELAY IN ENFORC,NG RIGHTS AND CHANGES IN THE PLA J --' v FDr these rteri IiAla vv lu pure Ilase tt Vehicle undUi the DRWu PrDWjm I)I"su rcvi " Pm fulkwirta FTC NAVY T:OT'ICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT; - ' IS SUBJECT TO ALL CLAIhaS AND DEFENSES WHICH THE DEBTOR COULD A?>SERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE n_r r) .:.f :N.: ,,• t ; ., :•I PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT _.XCEEU AMOUNTS PAID BY THE DEBTOR HEREUNDER, r rciltY L,. -N LASE 1 EIAR AS _fi QUESTIONS AHO{IT VOUFt t / ir, ,;.] 'mil ,. "Ii •. '1 :F; IE f 1 ( r r C,I „rrc:ct. SPECIAL RULE FOH CREDII (LARL) PURU. (AaES i?n !qwE Lot All do, .. :. f 8...:-,in ?_ a .,.'.` I •,9v •.: ?: it • ., s. „ .c -::n e .. :'. t+ .t ,? :.'?• f .r ,. ,e• .. , Yr.7UR I;ICllri S AND CUR r LMt SIBUTiES AFTE;H WE RLCHVE YOUR a!i:i . .-. "? 1 'rNRiTI Eh t:i)TtCF" t:;: ,: " ? ,.,.. ..,. ,;;;1, .., ,:,.. 1:'SS .y r• "'' _ ., .'I ::'-: ? r. ., ' .. h::,.. t - ?-,, .,, ,. ? i ?. Y 1 ! „ ?^ 1'?( T k'tr,}'A .:L? .;, :0'.,j 'S x ,?4"' •Y `1jt e' 1 V,: d r r T t i?,1r'.c r s4 li it a ?'.?..???"'...??ar?4.r.1 }• R::is?.s?i.,e?,-+t ?..?,,?:+..,.?1:. ?:....et?'? ?r.sr...s._.,..,I. yc:u your r',' 1 r sa _ , _r :111 n?c Card cc -i_i a 'A I - cc : 5. - Account lye. u, ours 1 r .r^s t cl, I. OT, tc ,.-.,.r tt:. it . . ..1 .flu.-r•: ,r Nit"i tJ'•r • 1 1. toE5F3OtrS•HILtTY I. ,: - c!. •yr r t:,R >i tlG 3', ,rl .3 r ..,j .. . , - 1 r r t?L6. _ , h 1 ....,t : ?'t!•: ? irl xir' tI '.•I .r r.., . { I. f ,,.I. .:, r , r ;, n. I r ,Ip . ; Al :ESf t.:01 _ ?) 1 t r2 5. CREDIT INFORMATION z -Jtrllrjr Ir, cr t _ .rrf01 tl"J r`.=•f, ?.?>_,.I ri,:IrJ c.. ., dr1. ,,f ., ,. J ,:rcl hr• ti,X, un...alai .... ,,:n? - - t. .. _: f _ ., (:: .CIr C,} I Uri ;061J!110 c 6, MONTHLY PAYMENT .. , .. r !I I- . I ,L,Ir , "Kt- h r' L t I m I ,r .,, .. . ..? :t, _ tF I..1 ..ly. ,l 1f1': ?1 y. "'f 1... , v, r . ,? - - 'i•. ? I -. _ ,.._ rr"} 1 ,,:_ [ h •.a ':icl. .t. r tai t t .t _ -. 2. L e:)sr CARD NO'I`IF:CAT'ION - t t..?e.,. :"r3 ` n' :.r;r r bl • :I ri brinrr 't P.::Jn _ rc:i;'?.drer E, , .. t..„ ?,I _ , •s{ r 3 r n z"! UNAU 1-110 RI -ED US r Ic ?:nts r? FOR 1 r t 7 1 / I I _ •..,:u .I I man"": I nL r., t .,.- .. r se: a -. yo r r .:> Z1,01-1,749 , b -;? J "non r r p ,r w, r <- - r , ? f t CRED1T L,NE tlr? n Oil'y r.. [..rr ..r. t .,wfltr.i3?t, ar] I..J(crll,__Iv ! L _____'L ,-.It 6__ I r L? NIS, MA'A 47 ." 7w rr _ % ,J iriiL ?'cl it r? AM - ". .'. •. - :. .,...,'?.. ,,. .., r ,.-..' . ,:? . - 11. SPECIAL RILES FOR VISA PURCHASEE .. ,. _, ..?.. ' .: ,. I.,. r it UISPUIED IRANSAC LIONS A". L I {? t I,l r , r ... ?: .: .. :•: .. If., t , i'i .: . t I . i:. 1 '.t .:.. ei.. •:t!. .. ,, 11t.r : .4 I t'. t1 -' .. i ? I i ) f Ii ?3 I ,,1 t II Irr it SECURITY INTEREST - .e{rt; y ,t_ t,.,{ a.; an{ r•_ 1 • ? ! .. :'j ...: {. I? _. .,?_ . . _ .. _il ?. , :.. ? ,, ., {I - .Cr . ,. _ .. a. '!',, 1 1 ,. , ?r } .. Tr h e Cas'1 Advances are alro ji? 1% ' r r nc r? s n t f,na acE, , n,rr ;-•s anxl It;; n'r thu :1<sy they nie pc,ated to your a,,.ecsunt. -„ t? I It r I 1 r ,.r ... r 1 r 'r...:r . 1. ,., .,.. I;?y T'w ;! ,.-:Cn...• 16. EFFECT OF AGF : •.r t . ,,: ,,! t ?a: t .,, : „1!: .,,. y yis .I.:'..f;}f Iyf 1:.9111tj! 8 DEFAULT-- on anon 4{4 . -Ir, r.... .!U ! !7, LATE PAYrtIf Pi! CHARGE - r u _I r ?>I rl ,,? r r . IS. RUSH - FEES , ?.- _.. arm. r {- -- ,,'sSi r. ?•.-_ .. r,G°.r ?r? ?- ' . '. . _ 4. OVER LIMIT FEE - r . 20. DRAFT COPIES - _ ,i, F a . r;r't, a -, 9 WAG Do CARD I o". no no ...•. ;I M.. : 24, COPY RECEIVED - ! ::. u• -i 1 ILLEGAL TRANSACTIONS PRoiiisirED '-. . Jr . rt3?Jf 1 ? 1y. Y-_. F.11 ' u r ,.?t,1: 23. NO USE •'-' l,ici aj rl .,:?Jl '!7=-' ! ._ I'. iLf .r Iti.': vrt.I I is-.,t: `JIt4 •`l?j ' 20 r'EUFIAL P°.EM0RK H.t:: _ t..r:=,tv LOANLiNERO Addendum Instructions: This addendurn is tncorpo ated into and becomes part of your LOANLINER Credit Agreement. Please keep o'taChed. First Payment: Your first payment is due and payable within 30 days from the date of the loon 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 loon voucher or receipt. Other charges thot may be imposed are also shown below 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 loon amounts up to 100% of the MSRP, the Kelley Blue Book'R,'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 u vehicle for more than 100% and up to 130% of the retail value. PSECU makes oil 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 $100 of your unpaid amount) Without With APS Without With APS Without With APS Automatic Automatic Automatic Auto Loan (1) Payment Payment Payment 11-Vehicle Service Service Service $40,000 ban and value or greoter 120 .00020521 .00019836 7.49°% 7.24% $1.19 $1 18 $20,000 vobe a, greater 84 .00018466 .00017781 6.74% 6 49% . $1 50 $1 49 $12,000 yolue o, greater 72 .00018466 .00017781 6.74% 6.49°% . . 51 70 $1 69 $8,000 value or greater 60 .00017096 00016411 6.2413 5.9% . . $1 95 $1 94 $6,000 value or greater 48 .00017096 .00016411 6.24% 5.99% $236 $2 35 $3.000 value o, greater 3o .00017096 .00016411 6.24% 5.99°% . $3 06 $3 G5 $3,000 value a, gi,wter 24 .00014356 .0001361-1 5.24 1/ 4.99% . $4.40 64.39 Used Vehicbs only $40,000 loan and valve o, 9reate, 120 .00020521 .00019836 7.49% 7.24% $ i 19 $1 18 $20.000 vobe o, greater 84 .00018466 .00017781 6.74% 6.49% . $1 50 $1 49 $12.000 value or greoter 72 .00018466 .00017781 6.74% 6.49°e . $1 70 $1 69 $8,000 mlue or greater 60 .00017096 00016411 6.24% 5.99% . . $195 $1 94 $6,000 value or growler 48 .00017096 00016411 6.24% 5.99% . $2.336 $2 35 $3,000 value o, greater 3c .00017096 .00016411 6 24% 5.991% . $3.06 $3 05 $3,000 .slue or greater 24 .00014356 .00013671 524% 499% . $4.40 $4.39 Rec„mlionalN-/Used (2) Lours amount $15,000 and up 84 .00024384 3 90% N/A $1.60 N/A Loon amount $8,000 - 14,999 6C 00024384 N, 'A 8.90% N/A $2.07 N/A Laan amount $5,000 - 7.999 48 .00024384 N/A 890% N/A $2 48 t{;,A Lome amount $3,000 - 4,999 36 .00024384 Pl/A 8.90% 1 VA , $33.16 ti/A IRA Loan (3) 12 2.0 00008877 N/A 324% N/A $8.49 N/A Share Loon (3,4) Up 1O$1.000 19 2.0 .00008877 11;A 3.24% t1/A $541 N/A $1,001 - $4,000 48 2.0 .00008877 N/A 3 24% N/A $2.23 ;J;A Over$4,000(0-/aor/S11%OJ uc 120 2.0 .00008877 N/A 3.24°% N/A $0.96 1`1/A .?.., o .r. y-1: Certificate Loan (3, 4, 5) dscl. ,,, 2.0 .iisdosoies N,1A N/A !1/A Personal Service Loon(PSL)(6) 77 00035342 N/A 129'0 N;A N;A Personal Service up ra 65 .0002712 I1/A 9.90% N/4 NA Signature Loon (PSSL) r,onrhs Automatic Payment Service fAPSI: In order to qualify for the .25% reduction, of the time the loon is set up, you must select to have your vehicle bon payments made via an automatic service: Automatic Transfer Service, Payroll Deduction, Cash (Includes psecu@home(ff and Self Service Telephone), Wire Transfer, and Direct Payment. If you remove, discontinue, change or postpone the automatic transfer at any time after your loon is setup, your interest rate will immediately be increased by .25% (as of the date of your last payment) for any outstanding balance on the loan. If your interest rate is increased due to any of these reasons, your loan payment amount will 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. PSECLi- PO.Bax670 3. htarrisb?g, p41?1 06 '015 PSL Minimum Payment Ranges (p er thousand portion theieofl- FIRST PAYMENT: Your first payment is due and payable within 30 d ays from the date of the loan advance. Minimum Monthly Minimum Biweekly Loon Balance at Time of Advance Payment Payment 19,000.01 to 20,000.00 400 ?0il 18,000.01 to 19,000.00 380 1 ?0 17,000.01 to 18,000.00 360 160 16,000.01 to 17,000.00 340 1 /0 15,000.01 to 16,000 00 320 160 14,000.01 to 15,000.00 300 16 13,000.01 to 14,000.00 280 1.10 12,000.01 to 13,000.00 260 130 11,000.01 to 12,000.00 240 1170 10,000.01 to 11,000.00 220 1 Iii 9,000.01 to 10,000.00 200 1 8,000.01 to 9,000.00 180 U 7,000.01 to 8,000.00 160 n,r 6,000.01 to 7,000.00 140 T1 5,000.01 to 6,000.00 120 0U 4,000.01 to 5,000.00 100 50 3,000.01 to 4,000.00 80 10 2,000.01 to 3,000.00 60 3'J 1,000.01 to 2,000.00 40 `lU Up tol,000.00 20 1 U -Personal Service Signature Loan Minirnurn Monthly Paymenl: 5100 for original balances from 51 ,000 - 55,000, $200 for original balances from 55,000 01 -S 10,000 Visa Disclosures Finance Charge: Finance Charge (interes') is calculated at the mo^'nly p r ,cite rcne . d as n,al percentage rate on the average daily balances of purchoses and cash ad, onces as ascr toed 'r. slay 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 mil be eithe, ,o`, 20 vr:c I ? 520 00, which w,_ ._ greater; or (b) your total new balance if it is less tnon $20 00, plus (d a-iy r, t r i ; / nart(, 'nnwn on pa io? ? 7 .71 statement(s) which remains unpaid. Collection Costs: You promise to pay all fees and cats essocict.ed with Loll Ct:nc I*e V,, , .., Ih uyreem nt. Such fees shall include, but are not limited tc, attomey ees no,, exceed ^g 20'1, r,r or, f?c ou c. o ,utsde collectors or outside collection ogences, proviued the :;g egul c ,I „ cu_I,1 10 of exceed 20% of the outstandina loon balance. Late Charge: You premise to poy a late ch rge of S20 if yocr s im,;m Payer , r.' ::f 'i n vhf! `ollow:ng your due date. Overdraft Option: If you elect to overdraft io you; PSFs U Vha c ?t r'a,I. y cr ?1 l this addendum and the agreement it represents and -e Lumen- Ioc, pohcti tc I a understand that an cverdraB will be considered the score as a cu h „dvauce on vc,n PSEC 11 V _1e,enl (,r-al percentage rate for cash advances will apply. TELEPHONE IINFORMAfIOh Av_t V-1 INC, /,I_)l lht I;,, I r- nnu=r=s as referenced in the Viso Credit Card Aareement and Tn„h ?n Lendno D,s,_Ls, e, cal! r'SI.C U R4„ 1 :, I for -i . -u or 800.237.7328 nationwide, or write the Credit Union or: PSECU, PO. Box 670'.3, H:a-isL 1'/t I / 106-/U 13. P-,, _..Jn h, n, f ,. P3 IOG 7!07 Credit Life and Credit Disability Insurance (<tl<r<d thrra<gh cu NA Mm.nl tr,:<ra?« scd<ty) CUNA Mutual Insurance Society Credit Life Insurance (cost per $100 of monthly loan balance): Snale Credit Life 5.070 5910 Mineral Point Road, Joint Credit Life F-723 Madison, Wisconsin 53701 Credit Disability Insurance: lie ` I ed,de of Rules shown below are gross balance rotes. This means the rates are applied to the sum of the periodic loan payrn n.s which 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 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 5100 of gross balance. If the amount of your peiadic loan payment is 5100, the gross balance of your loan during the first month of your loan is $2,400 (24 x 5100). Our charge to you for insurance for the first month of your loan term would be 52,400 x .2950 x 0.01, or 57.08. After you have made your first 5100 periodic loon payment, the gross balance of your loan would then be $2,300 (23 x S 100) and our choice to you for your insurance for the second month would be $2,300 x .2950 x 00 or $6.79 etc. The charges we actually make to you for your insurance ore 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 determined according to your loon 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 chance to you is based on the sum of the maximum benefits per month times the number of periodic loan payments remaining to be Paid on your loan. 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 $21.24 ($7,200 x .2950 x 0.01). Pennsylvania Monthly Renewable Credit Disability - Disclosure Rates Per 5100 of Coverage Per Month TERM RATE TERM RATE TERM RATE TERM RATE 1 0.0000 31 0.2561 61 0.1791 91 0.1485 2 0.0000 32 0.2519 62 0.1783 92 0.1480 3 0.0000 33 0.2479 63 0.1766 93 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 8 0.5372 0 37 0.2322 67 0.1716 97 0.1442 .5070 38 0.2300 68 0.1700 98 0 1438 9 10 0.4804 0.4587 39 40 0.2260 0.2234 69 70 0.1695 0.1681 99 100 . 0.1428 0 1422 11 12 0.4407 0.4254 41 42 0.2203 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 0.1633 103 104 0.1405 0 1396 15 16 0.3784 0.3643 45 46 0.2099 0.2074 75 76 0.1624 0.1613 105 106 . 0.1391 0 1387 17 18 0.3548 0.3448 47 48 0.2056 0.2028 77 78 0.1605 0.1593 107 108 . 0.1379 0.1375 19 0.3346 49 0.2012 79 0.1583 109 0 1370 20 21 0.3242 0.3171 50 51 0.1985 0.1966 80 81 0.1573 0.1565 110 111 . 0.1365 0 1362 22 0.3083 52 0.1947 82 0.1556 112 . 0 1355 23 0.3013 53 0.1934 83 0.1545 113 . 0 1352 24 0.2950 54 0.1910 84 0.1539 114 . 0.1347 25 26 0.2882 0.2817 55 56 0.1889 0.1878 85 86 0.1530 0.1521 115 116 0.1342 0 1336 27 0.2759 57 0.1858 87 0.1514 117 . 0 1333 28 29 0.2713 0.2670 58 59 0.1837 0.1828 88 89 0.1507 0.1498 118 119 . 0.1327 0 1320 30 0.2614 60 0.1809 90 0.1493 120 . 0.1316 Loan Disclosures Late Charge. If yoij ore n han 15 days Icy > Ji. r -y , ' y,. ,r.ry o ucnUrcte equal to five percent of the scheauled payment Collection Cost Yc- pre, Ise +o uc-y :.II fe<•< -?vre v ae_ +ni= -t e e J, - r .- 2094 , t d rc !:. L.,•_ vies, F. v ,i_d rr.e crag outstanding lour, balonce. Footnotes. (1 ) At the current ?nlerest rate, PSECU II nun_e a 00 t•,,. L a,i,, O µ-•: ?d Retuil Price (MSRP) of I new, e ore! y s, _ -Inntlcd . _ I00 . A '-'I. c rf a new; prior-Year +eh!cl, iuriided , I W, I al,.u r r w? - ,- nice) Atthecur? ent:. teres'rc,,e 2e c mope, nt, PSFI U Ilfav. I00 .,,.d of ,.130'L' of the MSRP of o nev,; cur, rowel ye? vein le ?unrile±I; over 100 c _r? ;4?, of ne ;argil volue of a new, prior-year vehicle (untitled), cr over 100-"? and ur :a 130°' o* th, retail value of a used motorvehicle (titled),. Maximum u.,ang for o rr ;m'::c ed seh. Cie', 'e Ong un existing PSECU loan is 100% of the retail value. For used and prior=year nev. veh!des, PSECU,cnsjlts the r rlley bl., b ?rur. it uiemark of Kelley Blue Book, Cc., Inc.) cir o-,n or:z -n oo dc-, ,L Jc- em- .,]lug. Vehicle loans cannot be used to rc'nase ?cn ,.ennui, lh f ulva - d or Ilo,.o 1141eri veHides The vehicle must be titled to the Bonowe,; C B, r,o o- fntF rile e -, ,.. n +hu C c :cute of Title may nnljst ot be a business, CorUS , oot entity. V-t ,clet m s t,?.,? , r^Imurn v,aue $3,000 a:.d Uc ;tied . nay I— uI ::l i6e U-S (2) PSECU will f ane ,p to 90 en ; Fs 7i rlo v k1. , .t r a recreational vehicle Used le,.' recr u - of ve de, noy ,e --n ,.e , c. r: YO il, ,e:lT T of m, usra retail volue. The Kelley Blue Boni v o ou rz d g, r will b ationol vehicle's retail value. PSLCU's r n r,c,n R, un is s,i,000 Y, , RV •n vc ,. urn retail value of 53,333, (3) The Annual Percentage Rate IAPR e re s- er; and IRA udvan; es -11 1 1 Jsv,r r , r being paid on regular shcres (Index) v the dut o' the advance plu e f"! -,rug' mown in the `Percent Above Index column. If there is an existing bulor eon ,he , _,I tin ?- a;io-ar,ce, +nc existing balance will be c;ciued to the r w _rd ,u nd th :mc hnl , _- >,ili e c! the new APR. The rates are subject to change io ie.l d any cncrnge ;n th nJex- Aril c-ast '.o :i)e APR m11 take the form of more payments of the say n punt .bnl what yo_' C-' h? -n r, -µ,1c1 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 Bc,uo:ver c-r Co-Bc?c.rer u,aats t;?ie Sna,a or Certificate owner authonzes the pledge • writing. (5) PSECU will grant loans secured by Share Ceeificotes. IJ,axi-o rv tinenceia is 90- of Ire Certifi- care pledged. The Annual Percentage Rate !APR; :or Cer,ifir cite loins se;,r,u icy - -,Iap!c c??nl(ied:ea will be based on the ceriifi- c ino the - '? are it r. , f, t r.'!1-1:t - L,unr c used by multiple certificates 11,11 e lw-ited Le I?'-n,'t IC.rr, n r t Forly v ,.irc.vol of the unsecured portion is ".01 cerm'ted ?kc 6--,- balk v-11 n.. r r !!-e C cu is withdrewn pr. r otu eta, ve u? ?,. ',ty /:,,, authorize PSECU to redee7 the Cer ?o''- 1:% r.rr anya r h-., offer repayment of the iuc - ,Il be dtF?, 7 ke,i_ ar SI _ yam:, t PSFC U ?jL L-7- before the maturity date A? v.i,_ r I c.. Le r:fi, e ale. yc _ .mtil h, loon balance is poid in full. (6) If you have been oppro?ed 'cr Cre r nder tr s o,-ccwnt, yo„ ,G11 k , nflc crcda Iimd. Th... ,..re_ o. isf=_d all. t N" .?•„ n. EXHIBIT "B" -4 6b 102L79999010 555-001 SFNRL387978413225 2007 HONDA 64035253402 CO ?W ? 8/11/08 023662 0 12112/06 8ILL/08 is . 1 cI:SIP:nl1 c. irnCv 1-,1-. j TIFFANY R CONKLIN ---- 540 HILLCREST DR ?'?, ,• t11:nr1u; I I I A CARLISLE PA 17015 I it A ,I;I: I_ II 11 do I. f j- V' i ,11 F It l I 11? l 1_? I `/11'1[:1 VI III I _ f: f3i-li? 1 'I I`;'.l!I"Il Vlfl N I -I(1l II 1 ?II III I IIS:;I t l1_ it 1•11/n1t OF f \ PSECU j 1 1111'.;f I.ILId I t I_I.A;;I.r f?, _ and 1'Iir,ldm iv. I'L.,I 1:1 1,1 M 1ho I!, :.t II. lic.l II,ivlvd ILIA I'll" h: it ......u oI fi,l;l '.I-J:i l _I;II Dm II ( I IIn 1? -11?J I,ic. ill l it 1(1111 I L? 1 I'I'I ;1- :I:I II ?.I I'JI. 111 11 . fvi;',11 It 11 , At 1111 t ;S ,,U II 11111 1 11 Itf-, I I I fli/?.. fl':9 P S EC U P 0 BOX 6701,3 HARRISBURG PA 17106 I I ? II "+:. ? u I (I '.Y ?'d fl 1 ? -A J ? Ill c :? III PA RIM I M101 IRn.I'll ., fl( rnllola ..;',:: . .. ... ;I: .. ili 1 __- ALLEN D BIEHLER; I,:It?;11I 11 ,i ..,Ili( .. I 011,(;1111:11) yh'14 , r.11C1- I 1 1li1I ?1 1' b *l J ; 1 it-i ti ;n^ 11. . it, cyl I- 00 M W 00 ,U "Y I_ U . J I tJ--JI t1J .? 1 1 I]'-"II I I? 1;1:.? ?I? I ',III L()I1=1 _ I -' ' I - I I'. ? I I O .. ... ___ ____. _. _._.. .: ' ,;• : I I' 3 1 .. I??,; . ;. I;I ., . , .{ . ,. ICI ll ,, ;. IU I Ir) I II if tl )1 I I I ?? I I +'( I 1 I II l II 71NVN -ll(IgIIN L` kll l I Jl I tll " ' ' '. " , ?r?'aie S114 Ir- ? 1 k +? . III 1 I'I f I f I? + I ? rk'a?tf+? 1v? I ll ' t I itl 4 . 1J. d?J? j.;1sL. I,XJ"t ti I f ; J. a.e '? Cka,3.>.F _ Ju.n1 JlNVnunlcv:nrNVIJ L -- , .y ji1J11 III04 Z14 lt1 IUf ?Il I- a w 1: f1N ill VI 111111 0J florcuvvkl)s mtu),I ` - I -- I r T aunlvrl?i5 luivn•JUna?o? irFF rll ID tl - II1Vq JNIUJ L, IIJIwCiV IIU„IfIJ l[J I III ?.^V' 'I;? [ . // t- :101111 Nlti I IU JSVN0kIrld .117 II /L5 kJV IA AVO U{•j Jlnj _1lJO I IN rJ 1. NUOV6, O NV 0_jfJI1J 4,,£11113 o_ `n Am ------- - _ - - - - _ _ 10 ------- -_--- -,:III(KIJ II AI 1 I<li "IN, I nc Irl-u111J/•1711 .I'I 1 I () . I?i.l .I II J 11 _ Y In W111 l of I 0111 11 1'll I f-r 1 II 114 I! )n! - I I ' U) )IRIS A I V i pl ONI r,rlmmlPO UPIINUVN -" ':pool { µ 7 4, I. ;,Pil Jpw p•rCn• al s tl . I a N Ni.;vNOtln.lOD `.. .IIJI':flfl p J()rJ l il iv I, {, unu,u I I `:fYIJI{! Nt., n l n a ". I It, cq Iif)_1 IlU I.t-..„VIIDIJI)d ,I?II?n wp Ju,ol"IIJL I q 1 !p SJJO„,I, 5+111u y w _InVN YI( llw 1`.;111 1 1SVl 53 LF"j, I rx 16 r")I 1 1 1! c 41 11,111 f I I i A, t, I I 1 p 1 I 7 1 ?„, =Lb3w? • M H ' 16 {. {.?.11 1 F2 '?u'?5i?'.. .r Trl .. ai akuluwvuiNnrlnveJJ ? 111111 -10-"IIIfIlVM14 ro ? , c ?) ro - --- -- ---- - . --- .-- JI IJI I JwVN INJ { JJ r) _ 15Nw ki I VII )11nd0 J-OJ Tl It(); 14V fJd- J'Alf Id .U - - - - JNfI l IJ )I Ill'VI 1111111 U ;J- ? --- - -- U) cu 1 p 111117 VIJ )IS N:J: VIIJll7)d 111 `JU `)NIfJ 11..11 IIN•1IV r1osII IJ IU Jf III JIJ. II;. --- - -" - - a ro ? ''1 -- -- - , z Ill) NI[]!10 i 7011J.13SVll•0U(Id .i12 A1 Vl _ -- f1V]A At'O -_ CJVV - - - y --- - ID ?Nll JfiOj 1.1 (_J_ B ------ -- -- - -------------- - NUOms UW V U-n If1:)Sklflft M A11J N C SS, IJU(IV o. F(I:1 u. I tl ll 11 ) JIll Ir II rll 1 I.) 11[ III,! I C7 C aJlI 1 Il 11 1 I 1 1 ( J. III W y LJjtuS .,Lnuu) E ')fJI1J11`J!A r 'I ul II 1. - t ...1 1 zIffir III l 11 n n - ? i I I T it 3,iVHJ1111.1 0;1 l I . . [ l. 11 ION 1 I--_ . l'. I. f Iu lu,. ul ': I: ;7s.II IrI __ C ]WVM S53 NISflEI f.-?Ir=.II;I - ?I) fu",I. I -1 11 l-IfIJ NO F175VI IUII!1.1 'BI')llOn U41 III hrlUaltu I,UI".I! FIJI °IJi.IJ:u D_ :I JVWN 3100114 1.SFi1J LSVI C IP',, I I yl II (I - I I 9 ? ? !?{Ye ?. .•- ??? ?g?? y, e I y If I? I ? ? -? ?a??? u? ' ? ? 1 ? 1 ? I l 147 aA h'r S' 6.?r, : . ,. _? , . . ? . . !- t :L ::) ?? _ . ?1III14 -i.JVIJ ININdONVJJ .. . . . . .. - -- 1.5n1"J k17llJS3 0,) CF) - U0,01 V U71135 ----' -- -_ - --1 ? k1Jll7 U'7 10 :7V Irl VIJJiS a - w -L if. I I - q =fJnJ. v'isls ro ? ro c;n , -u? I D lit) ,!Jr - !",;I I,Irid LID I 1,? t"I , '. 131 1 r, ?t r :'-_ r - . JNf)IIVJ dl J d7rJ"v) :,I 1 10 - r L I r . . .1 , __: . . t r Jl 1 1 I n,1? . J? tI] - -_ - - -- ' 11 f_ii,. J. _ . USOll JOJ 1j01(jl)A OII) 5111j11'_Jll _., SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson ' -D -C. 7F IF: Sheriff Jody S Smith tl _ Chief Deputy Richard W Stewart T'- Solicitor Pennsylvania State Employees Credit Union vs. Case Number Tiffany R. Conklin 2011-5523 SHERIFF'S RETURN OF SERVICE 08/02/2011 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Tiffany R. Conklin, but was unable to locate her in his bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant Tiffany R Conklin. Request for service at 540 Hillcrest Drive, Carlisle, Pennsylvania 17013 the Defendant was not found. The Carlisle Postmaster has advised, Tiffany R. Conklin has moved and left no forwarding address. SHERIFF COST: $39.00 August 02, 2011 SO ANSWERS, RON R ANDERSON, SHERIFF BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 77- t`r1 `? G7 '-•-'T7 M ._ ? ? 'L7 -gyp ? ° C71 i -.1c) CD r? C- C?7 3 :. 7 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. TIFFANY CONKLIN, No. 11-5523 Defendant PRAECIPE TO REINSTATE COMPLAINT TO THE PROTHONOTARY: Please reinstate the Complaint in the above-captioned action. BARLEY SNYDER LLC Shan M. Long, Esqi Attorneys for Plain Pennsylvania State Ei Court I.D. No. 83774 126 E. King Street Lancaster, PA 17602 717.299.5201 Dated: ? Z / / 3344520_1.DOCX Credit Union 410.WPOATM e# 490&8 ea 4, 61014 OF THE PROTHONOTARY 2011 JUL -8 PM 3.0 7 CUMBERLAND COUNTY PENNSYr VANIA 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. TIFFANY CONKLIN, Defendant TRUE COPY FROU RECORD M tr.tlma?r wNN.o? i hW urft ad oW tod and?aaNletsaid ..encadM..P.. 944 Al Ipw Attorneys for Plaintiff Pennsylvania State Employees Credit Union IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. // - s s - l C7-sZril 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. o?(o D f T INSTATED .," 32532741 _PROOMOTARY C O13p wjA'j YqW 3jUqT bt4o1 rm ho2 wnui aced 1 )oolw* Vfw"""T d .a9 ,eN?h? M JW?lit bMM 10?MM MM bn? ?wtwwrlM?q .. ti3TJ?T?vli?51 T?'1?A1?,f'At7? Yf9ATOWOtiTOS94 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 32532741 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. TIFFANY CONKLIN, 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 acci6n 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 relevaci6n pedida por Plaintiff(s). Usted puede perder el dinero o la caracteristica u otra endereza importante a usted. 32532741 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 INFORMACI6N 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 32532741 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. TIFFANY CONKLIN, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. _ Defendant 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, Tiffany Conklin, is an adult individual with a last known address of 540 Hillcrest Drive, Carlisle, Pennsylvania 17015-4332. 3. On or about July 23, 2008, Defendant entered into a PSECU Loanliner Advance Proceeds Voucher and Security Agreement and Loanliner Credit and Security Agreement and Loanliner Addendum (the "Agreement ") with Plaintiff for the purchase of a 2007 Honda 32532741 Odyssey, VIN #5FNRL38797B413225 ("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 (the "Title"), a true and correct copy of which is attached hereto as Exhibit "B" and incorporated herein by reference. 5. Defendant defaulted under the Agreement by failing to pay the monthly payments when due and is currently due for the months of July 23, 2010 and thereafter. 6. Based on Defendant's default, Defendant voluntarily surrendered the Vehicle on or about August 6, 2010. 7. Defendant remains liable to Plaintiff under the Agreement as follows: Principal $12,367.48 Collection/Attorneys' Fees 2,188.49 TOTAL $14,555.97 plus costs of suit. 8. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., Defendant may dispute the validity of the debt or any portion thereof. If Defendant does so in writing within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will obtain and provide Defendant with written verification thereof; otherwise, the debt will be assumed to be valid. Likewise, if requested within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will send Defendant the name and address of the original creditor if different from the above. 32532741 2 WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union demands judgment in its favor and against Defendant, Tiffany Conklin, in the amount of $14,555.97, and costs of suit. BARLEY SNYDJig LLC By: Aawn M. Long, Esquire Court I.D. 83774 126 East King Street Lancaster, PA 17602- S 717.299.5201 Attorneys for Plaintiff 32532741 3 VERIFICATION Pennsylvania State Employees Credit Union v. Tiffany Conklin 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: S lit) 1 I -t- Gregory R. Diffenderfer 32532741 EXHIBIT "A" •?d ?. IIIIJJ ,, 1I?1 . " ADVANCE PROCEEDS VOUCHER AND SECURITY AGREEMENT P E 11 Pennsylvania State Employees Credit Union R O. Box 67013 Harrisburg, PA 17106-7013 717.234.8484 800.237.7328 MEMBER NAME DATE MEMBEKACCOljNT NqCy16E5 ' = ?NO7E NUMBER =a_= ; TIFFANY CONKLIN r` 7/23/2008 0AIfi*151/L10 0007183600 540 HILLCREST DRIVE PURPOSE: CARLISLE, PA 17013 AutoCheck Dealer TRANS TYPE ACTION 1 ? NEW LOAN 2 [j OPEN-END LOAN N ( ? OME . . ADVA CE 3 ( DESCRIBE) 4. EQUITY ADVANCE YOU HAVE PREV)QUSLY ELECTED TO HAVE THIS ADVANCE CREDIT DISABILITY ?? INSURED WITH THE FOLLOWING COVERAGE YES ? ?9 SINGLE CREDIT LIFE ? M JOINT CREDIT L NO 1 YES NO YES ? NO DAILY PERIODIC RATE (CHANGE IN TERMS ONLY) ANNUAL PER- CENTAGE RATE INTEREST RATE IS AMOUNT REQUESTED +OMER CHARGES PREVIOUS BALANCE AMOUNT ADVANCED NEW BALANCE .016411 5.990% FIXED ® VARIABLE + ? 39, 655.74 ..;?,?;.°6 5 ; 4± 0.00 39, 655.74 PAYMENT DUE DATE PAYMENT FREQUENCY PROJECTED LOAN TERM 579.14 8/22/2008 Monthly IFTH118IIS A HOME EOUrrY ADVANCE, THE ONLYSECURITY FOR THIS ADVANCE IS THE REAL PROPERTY (INMOST CASESYOUR HOME) WHICHYOU GAVE AS SECURIT Y WHEN YOUR ACCOUNT WAS ESWLMHED. IF THIS IS NOT A HOME EQUITY ADVANCE, IN ADDITION TO THE PLEDGE OF SHARES IN YOUR LOANLINER' CREDIT AGREEMENT, THE FOLLOWING PROPERTY SECURES THIS ADVANCE. ITEM PROPERTY MODEL =YEAR _ -'W. N It- • '-TYP4z: r ; Y ?° : r ' HONDA 2. a DYSSEY 2007 SFNRL38797B413225 SW 30,505.00 4. OTHER YOU PLEDGE SHARES AND/OR DEPOSITS OF $ IN ACCOUNT NUMBER OLD ACCOtA4rwm NUMaER (A) PAYOFF PRINC.+ INT. OLD ACCOUNTA.OAN NUMBER (B) PAYOFF PRINC.+ INT.) OLD ACCOUNTA.OAN NUMBER PAYOFF PRWC.+ WT:) OLD ACCOUNTA.OAN NUMBER PAYOFF (PRINa + INIT.) OLD ACCOUNTA.OAN NUMBER PAYOFF (PRINC. + INT.) OLD ACCOUNTILOAN NUMBER (F) PAYOFF (PRINC. + INT By accepting the proceeds or by using the funds advanced and deposited Into your sharekhare 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. rrue Rumus nmum loon " m as se uNjUNFUHMR9175 JVXXQI00.1 007.2092-1 tN) SCANNED 06/24/2008 10:04 7172_ j76 FAULKNER CERTIFIz_ Application, Credit Agreement, and Securfty Agreement PAGE 02/08 TWANY CONKLIN AppYcaac Nxm XXX-XX-6385 05/2i/1970 Social Security Number SIM lists (717) 245-9761 1717) 691-8388 Rome phone Work pbodt Addrtas Lice 1: 540MLLCA.ESr DR1VB Address Line 2s NIA Co-AppllautMa.we NIA Soda! Security I4umber WA JaamefkoDe Address Line 1: N/A Address Line 2: NIA City: CARI.ISI.B State: PA Zip- 17013 1 Cfty. NfA Time of Present Addresu 1 Years d MoWu 9ooeb8T•ypa0u+a-natg Homfogpayroewb$1323.0 Employees ANGJES NEW ANGHI S Md MANAGER Time al Sn?pfoyer: 2 Yearn 3 MURI14 himai Incomes $52500.00 NIA Birth Date NIA Work Phone Stales NIA Up. NIA Time It Present Addreut NIA Years NIA Months HamsingType&NIA AdwingPAymdt:SN/A EmploYar:141A MI NIA •1'Ime1tEmployerlN/AYears N/A Months Artoaal loeetoet,$lf/A OtbwAnuMAaeemer 50.00 Other Antetsdbtxw SPIA . dcuAdd&eJ.aArmrsobnca6xtirneamdaotberavaelsdljypv orroommanhw arbxomeeeedrWberrmdW#'youdoaWS,h/rto Scales 910ther low Wet ,VOW* OftmtyeYSloJt slbra xy, dM support pr other courbardtred paYntuft, S CbeckfogYs lure SarlaBt?t hue Haaknsptty id tba last llreyean7 5dse Cftlzeutbtlp Statq: US C IOM Some olOtbarlacemw NIA MouiwyObeiatimforaway, cbtldsupport or otWweonrt-ordarad pgmenta: $ NIA CheafWrN/A S2vIop TjWA Bankruptcy in the Inst five years? NIA Cttfatdslt p Ststtat: NIA w..?...o......,.?yvs?+w aa?,e».s• tSOpr?peAClr?teraoa:rsSnoltaAGti Xnay4LU0t1N eancy: PADOLiy Vebkb VAW: $x5DSA0 LTVT 119.99896 btmrat 1 t $499 % Fermat 84 psyigeype A> RIL"ltteild Cv Atanltt:aatAUeemeAtvv to the P mteslarnnltt ftty KEpLOM Qw* Unwa head lM LOANLIBFEBQDsprelvsarw prv+ided to you fYy tibp thpalt7pulp. YlaAte sign utdaate. Yon peomis. tier ewyhbkfgynuhare apgdht this ? epdate b aasmt to 1}+e lane e?f;arlaowtedpC- Iftlsua ors mry iay+aeFaot ekaeps; You wlU eoHfy ua is wrsSA$ fnsate 11W You aAWN dw G ubt ibdta to obptu acdit repeats 1u aQOge?gq with oil sypl eft the auditkrum waft and any sultan update, reaetasl or exhuies'gidwetedbMaly" YoavAdatM4wdsk4%$Ore&Tjxanva reb?eatbe;tdbaooe 14ddrM&Xdgn? udaasdAyowtstdkttpantomakeisedeasioa.It Y? WS-A the O"t Ualat wall b4 YOW 9W name and addan of ay cmdit bmean from wldch k sacalred x cledlt IVW as you. It is a 1tdW1 alms to tviDlkgy sod deOber+ldyprodde pbheortn=attafutmatlanaalaaNpltomieoamadetofedeWetadRustoase<mreelaeea.da.Mgeiedajeft dbyNCUA. ? ?A maema? YOU 98- You WO nom, toed and we to be bound byths LOAI'I?AVbRQa C p4t e6= +a>'f Secerlty 1131 dt, McludiAq lba V you are he sIOAKURAM aeeenro, you pant R ¦ s"OdIr intent hs an kwhu e d =4j" !Mate and/or deposit accemrts Foal hs s attb we now and m the fu tO aeean *WY" oaw wwtrtr tba Alwavot Ifyeo eta bt deholy yea sushodie as to appjy tin balance In tbm aaenata to gap amohab due. Shares ?tlepoalq.lw Ratttemmt Aaeeaat, and esq etberaetomt that s*eold lose tpeeLl tax br!+dmaae twla ante er lbde»l haw 1f Si.Oa m seeuslt>: ate sot asb' t to tlsr ss tt? Yorrahaesa sad aepadta, Itthhhaa brjoblat? aoaCA,d eaeiapraeb?twwmtoedbapp4torloistatedlt(at?iebnj, . pro L ( ticlmo?bi i tiatn j am *NO* for -mbtrddp In 751M /, end I promise to 0 440 aemb.aho .nob P51ECV at 7UTANY This tart mdou b fedaallyimwncd by the Na$mel Credit Union Admimotr rdoo. Egoe1 Opparmemity Loodet. 06/24/2008 10:04 71721, 16 FAULKNER CERTII=IE PAGE 03/08 Authorization to Electronically Transwit,Loan Proceeds to Dealer Please select one ofthe following &ndiag options for application 718360: Please electronically tra isrAt $39,655.74 to the dealership Indicated on the Bill of Sale on my behalf for the purchase of a 2007 Honda ODYSSEY, VIN ONRL3879711413225, I understand that the loan Nvill be set up for 84 payments, the repayment method will be Payroll or ACH, the repayment frequency`vill be Montbly, the Joao to value is 129.998%, and the i0 test rate wjll be 5.99%. Additionally, I understand that PSECU will send a IAANLINERO Advance Proceeds Voucher and Security Agmewent to me via US. mail after MCU receives the completed loan package from the dealeraltip_ By a4t:OOM the woeeub or nsatg a adv*wAd aed deposited Jato your sharclgw dtatt ws juA You agree (1) that the property rafereaoed store will am@ the advance and nay otba advances yon hive Ww of reedve eta the th" under tba T.OANLIIQ atO Credit and SccurO Areemut (the t?W and any other nwanb you own us foi any reason a w or 3tt the fUtIve in acccabaeo with the terms of the plan a"(2)tomahayaymen4asdlsclasedstwvoinauadaaoowith thetemsoftho lay, 1f this is as appllwttio for loanttredlt, A,ppttcsat-=d Co AppBcantearA Wft tlA w! intead to spiply foriobd eraGt Uwe t agree s bound by tide terms set fordo It" for ate oftbe proceeds of catch credit {sign below} _OR_ Send me a P5E+CU AutoDraft to inert address ofrecodrd. I tuedursland fltat I'must tot= to the dwlelsblp with the AutdDraft to pard n" the vd9clo and that the Joan will be feuded by PSECU once the dealmxhip hap, dgnsited the AutoDraft and submitted the neceisary suppo rft do.m mentetiton to PSECU. Additionally, J widerstand that I mugt complete thg AutoDiaft in its wdrety for PSECU to ftd my loam, o:onmp10ft the ttporottnt to lie 11=00d, sclecttng a loan term, chowkg a re p9meit tute&4 turd providing FSECU TA* any other required JnfbW matiorn or aplstanoe necessary to Complete the trm sW Ion. If Hew b auappBwtbli 161`10101 trad><, AppAtantsmd Ca-Appiteent each agree that we Wood to sppbr forlobt credo. Vvn auto to be bound by the tome set festh herein for use of tho proceeds of stteb eredie (sip below). X Tw nre 71h etedit union is fedetaJbr ftmued by the National Credit Union Administration. Equal Oppm umityLender. SCANNED f y ?, ?'fi,7 V1L`r il7l ` ?`??LrrEmployees ?.,;'"?'1 ??I7 L_oa ii Disclosures . c r c :r, r- ;uru•o ..r ;.:.i.c. c:-,?.,.e,.c•, S.; -,..., unuet 'i,.. Pt m a, rd e:r.' P I 1.11: NI o lu 'en1111t y G:Uir %u:i •. .. t .. . , .._r .:-.t?., r ' . JOINT ACCOUNTS ?r7 1. W- V'tj REP AYt,IEtJT r,:• .t !': r . , ,:,. 1 cr , r,F..rric; ^r r_ l; _, na =, to rn: •'r.:' ;? ,.... •., ,' -.-.' .. ."?'. if ,?.: 1': '"? 4: '. -i' I? .,:, !.'.? .. , .. _... •. l.r .t:l .,.."Irl.l,. ,-I. ? ,. , J.: FI ,'f :.. .. r .. .... ..: .. .. ..., -. ;::-?]'" - - r f;:`,?. ,u ..., _ ll -.: •Ct".. !I , ?y .... .: ,.:1.. !... .HIV :, ? S'. ti ...r .I..t\:( r ... ,;J;.. E: t "F' an:'?. i,..:;rr, , -t r 1 ti! rr:CLr t. af„ -1G-: ltd.,: ` FEES AND CHARGES - It Vru a 4 rr r, l r rn p s or J r x x ?: :..gr r 1 if < r i rpe rf e r d Y ,rt 3, t, rt c !u Par tote ; we ,r : + ,:. -.,r tr [ tf V e r. -a pen I v. er if } or, an dt7n a. ,. .r l yu- f i d ,y "1e it. -r:5 . .dd I7? c+'Su r.. t r3t jL:I C.r t f fJ I.. r cl yC, r c. :h4 1 e Cr irc?!L tE , .:i14? c 'cii 'w^ C d on the r,:.,_r i n'u r and ?x'W ,e acdud I ;., i <I .,.tpof tio- tors i <7 all uve,rcf r uGvdJrwff - In e_-: :; pry raf .rran; ,r c,<.,.n e nt c! e oc: r`s.; Hrw`se r f lco y ! UPDATING CREDIT INFORMATION You pforni e ?a u> ro n,i1 give us I c r ,. , :.. .a," i :n r,._. l•, Plan, rJe , ,,., kt. notice a sou r"love! cr3nre ..ur lien. c. ertl„ /J.:. ?`r:t. if a,ly i?net I 'rdorm7t M' Oruv,o t. io us changes .;p::. r o-r r6 J 1r. ;rr als:r a, rEe to PLAN. ACCESS -J1, 1;10r . Lii•' r! • uS. ,. .,.,..., .,a ''v ... !' .P.. ,.. ... i ,vt ore t ":)< I it + I mug be a blr rile DEFAULT --- The following paragraph applies to horrowers in Idaho, Kansas. r-' l _,. ft...:.r6 r ,, .. n a be ra.nc t i t out iticzed n u..., r viral.G !:c Jr .,^c iik8 r Maine and South Carolina: `%cu v,,ii De 1:1 default it ;'o, *_ ct :iwil-- a pay'me t Of _ , r ru u 4 r ? ?,S t' .aa. . the amount roqu:,etI: is due. You will also be X, Je,+.-Snit f we 06Ateve life I e u rlt Reb. has DEwn Iv tolrn. .r e t frspect of Da1ament, I?arIC lTnar(:e. Or rea+?atF- On dWV OfnPcM 1v,:n as security 1 n r r eail"l r rv,.,; -a J 3. rn i u er ,,r Q L'od, r..Y:C <3?:: l ,. e i'tan ?. ! c- car:; S oSed .., G..h<..u Jna.fil.)Lc30 ,I =s ..,.:.:? r. a ••? F?r,a , ,. 3C'il ty ,,•:i. no! exceed S50. It 'he undtrthrulze . The following paragraph applies only to borrowers in Wisconsin, Yt?u will be in j -our tablBry ;S governe0 by 'he Rweju!aror E default it you fail to make it payment when clue Tm,,; nm :s any 12 month ! ?. ., V :>.., t•,,? I, M-. .1, t©C-.'LT,J YOUt .ATM,Dabit Cara, even it n,' - Perio0 You wit; oo in Waul it creaking ary pror. s, .r -tde ura?i thc_ Iriateflany .ilhcrawa ar a ,,rice b_:-)y mate orn '.'oily overdray suba;count impairs your ability to repay what you owe or materialty mows tale c-onrYtion, vafue. ! rty. FINANCE CHARGE - The co,r r you pay for rnoney bore urt! is called a or protection of a, our right in any Droperiy you gave as ire alvance. A lm3rce charge Y MI be The following paragraph applies only to borrowers in Iowa: Yu t:'ril be :n ca F :Sec ep3r re ',, stiparate .I lance under ?he Pian. To compute the default if you are more fiJS.^. 10 days Sale in making a payment. You MII ,t!so Lie in dance cr,arge, the unpaid balance `err each day since your fast payment (or since default if you do not comply with the terms of The Plan and your failure to comply an a. Vance it y nave not yet r aav a ,wyn uni, t$ muitoied by the applicable da4y raaterWly impair, any pw a; ty you gave .1: security Or your aoi!i,y to r ay -wnat you Per,_JC a:e.. "e 5X II ?'t 4a ar,,o;.nfs Is i".e finance Charge owed. -he balance i owe under the Plan. u 1 cr t a t *e h r cnar'-ie is 7e a paid lance each day after payments The following paragraph applies to borrowers in all other states: You will be in sn - rej:,s ....a r e I ..'e tram ,Gbt a-tisd anti ary additions to tfte balance „efal.R A you do not maKe a payment of the amount raqultQJ wht,n it :,; ;kie. You -:viii n- [.rcr rt e 1 30 + , :r t r cl we !ray &mr9e o her finance Cialger whi,_ r a i be in default it •.,3u taaak:. any , Y promise -you ace IrtdElr tar Plan or f n woad is in r ; tau , n t e tefe -t rate is a var;able :w6rest rate, rile .etadt under aril secwi agroernan mp.du r, connection w 4n, ;rn al% under ?+., .n7ur,. x ire t art lures rate works. - foe Plant You will be def3 Ii it Jou d;a, file for .:ankh ptcy, hec one. nsci•vent. i r you SECURITY rou p eme c e--ur-rv for Plan ail shares any dv,dends and, it any. 4 " make any lalse or isicad#ng statements it, any credit application or update of credit :y, s a ;iri t.. 7 ,..pill anc - ?- rs dl a%oOunis yov have 0th us now an:t t rtarmation, or if Some.th+ng ha;opens we believe may tr +a ::ally reduce your ' rr r _tire t r 1 .,. clged far an adv,_r ce, the will freeze ab,tiry to repay what yr,u owe You will be in dotaul! if any property you have given sr.ares in t : ojri e< c t r.^.e ou;suanding balance for the auvance us as security ;s repossessed by someone else, sexed under a foltedure or svi'lar Ot r• tse. ,our p!e}ge... s a'es m?, be wi:ncrawn unit ss you are in default. The :air ar if anything else napparis that significantly affecis the valuo w Yte proDarty or j following paragraph applies in all states e,ccept in Ohio, Rhode Island and or:r security inters t n it-lieu will also be in dalault under the Play; it you are in default Massachuseus- V,'e 1,a%r 3 siAtl,,, rv It r, on t: K• snares and o idends ann- it arry. the I under any otho roan agreement wltn us. n.--posts and . cr s r r vl and ( - accounts voij nave with us and mat I ACTIONS AFTER DEFAULT-- Tho following paragraph oppI:es to bonow0rc to rali cx r s- x,r rgriz? in rn n t tt u •,.ent permitted by state r (tNe are. slate re it a : _nJe -s rc: rs..lu es the iarnJ reds cal Cr cr? Jr•wn:) For as Colorado, District of Columbia,, Iowa. Kansas, Maine, E.fusachusetts, Missouri, ' be s:The stauto Nebraska, South Carolina and West Virginia: When y; a are lr default and alter in your ur a accoun try lien ende ow you when your pledge will allow default. us to apply the funds i expiration of any right you have under applicable state taw to cure y'°u r c&fauft, we can (s) to ? hu[you ow you are in deefault. . The statutory lien and d yv=x: p:ecye ',r ap i _ -"r Ie ±:.idua: -10iiremerf Ar?,-oun! or any other accucet I cmand irr'nle'c:te paymanf of the entire unpaid tmlance undt.r e Plan wahout gi'ine VOL ad: mince notice. ...-? - n,.tC lose sG..G-l1 't under stag or federal law. if g,'ven as secjrnly. I Aodi•ionaF sa„ : i,y of -.e Plan sissy ba reOUired at Nne ilrne of an awanCe. II a The following paragraph applies to borrowers in all other states except 1,14sconsin i s ra de rt a ?- o` pre r • ;, lilt as "New Cars") you must gv ha! and Louisiana: 4rhe:+ you are in default, we can MI-101 nn immediate payment Type ut props, y as s0c..r:.y n:7 n ; au ge, an advance. under that subaccoun : R !a-a;reratbn) of the era:-..,e unpaid balance under the Ptan.l2w waive any right you have ? r to demand for payment, notice of infant to accelerate and a re a acceleration. :: b nt r2 su r ._ Eh Seer,« mearq v u must provide cur f}• a cps tc .:, u: :i en y ab:air or, aavan e unaer ,hat suoaccount. P,oper.y you The following paragraphs apply to borrowers in all states except Wisconsin and q e as -ec: n r ti. I. ar, n v.ec rider -he Plan and all other oan, yeti Louisiana:If immediate pain _ a is demanded. you will continu[• to o2y interest until j -v l- s :v v m 67 ., r px ear 7a l - r Ira ty your prncipal dw.eLing wr-at you owe has Warn repaid a: the applicable !merest rites jr, erect or, it a lita.b1t.•, sec-r y -_tn1.'_ vot r:a raF ;i_, se_.jre'he Pian Pp _ I if- if f 1, 13- L) "I I F F, _ ;;!e r :u,ng rs :uu,rc ?t ecru i.-,„: - NOTICE TO CO-SIGNER -- YOUR SIGNATURE OfI THIS NOIE 5IE1iNS THAT YOU 1+Ri: EOltht.i_r Ili\iLE FOR REPAYMENT JF THIS I OAh. 1F THE BORROWER GOES NOT ?AY. THE LENDER HAS LEGAL RIGHT ?D COLLECT FROM YOU. .. ..i .. , . ?:. .. I' .,.. ,` ! ?. .. ?. '-, -. - :' The rolwa.iuy Paragraph.: opp!y if you rtive security a csnnect.or. intr. ;tn ,. adv rice un rr !me 1'I.11. T hey aopIy to lfofrovrers na ail !ate, except Louis.:rte. Lo U.`?I.tf1a b(i(fny: f?.'S 4'i{ll ExCC Lite a P, L`{)<if:liC• `.6CL,nty agrf: E.ilellt. ttti ('oyr Cr; 111 ' - - - r '. - - -"- Cater Sl:ilea inoy al5o of ::ski'o to executo :r separate secur't'y agreement. THE SECURITY F ^R THE PLAN - .},•? ,,. . . ,r( ? , .. _.:! <. ,..:'ii: , C tip.., , Su :OIIJ:virtrr p:lr )q)'.!,.:I ,),),)hos linty to tYiscons,'n borriwtrS. :t."!,- ..:iro ., ul fe )•<, •.(? ? i.'tr: ..,y',1 tt ,.. •: IS ; ,:I(.J::e.. ,•.. .,,. .. .. ,.•> ;?; -•.^, :,. .. ._.r,. ', :,,, _. „rarx"- 3tr_,,.r, •J, t .-.•.tu _.., re-_.'r. ..-,rr c ...in .`r• a. '. ?!an - un_ r ti,.. ,,. s. •r, p . r .: :o u.. ,.t•re pr pt rty u. uti v d .rib 'Itj ,e. .l.• so. WHAT THE SECUHIT Y INTEREST COVERS/CROSS COLLATERAL PROVISIONS .., :r-_ _ . • : • .r'_ a' : , the Ur')Pe"ty Cy - f - Tr.: s f?urdy,r 1. n.r,x i;c..u r. I=: Ad.unrsra de., rd ..1 in ?:r. rG.•,..;,t. ot.&,.•r Of .,r?r i=.'. ex e: S. ; fop - rr. i •c! ca Pc it :! 4r "!/,)E':;MV rt+J re:' erta .:it the VR:B ut U'le Fdrar ....: 8i l any f?;L(rslc n5 ivni i%ais I pr J'oin' !F a mol..ct vehicle, C:nCI!e home ,,-,.r re . ai;cin4S of the Advanno it also secures any other advances you have now ! ted yaws wid a'-c be r:.-' nr :u : ,' ;inr casts permit i or receive in the future under the Plan and any other amounts or loans, j ,.. you ?i..-_t ,,.iy ar. a.^.I;rurrt ,t -t r..-etains 1 Including any credit card tuan., you owe us for any reason now or in the iulure, r ,y)t i o 9.1"A t yn :. c n ! r [h f r . Yu I except any loan secured by your principal residence. 1 e )r •: r y is ,? a tt ^Ie ' ! .: i .,a. o, r. r3. the sa iE ra'C _ t' c Jr - r ua ,.. ? r_a., y;iOL'.: ar, cofir-a Jv the r e;;8r7); ' 'ride r'' n .G r . I.. on :. rC r.f iC G.cir*, ?!a]Y , 3i s;'ir)tr .', . trraperPy,qli secure bn!y Ire AwJ?jnce and opt one, antil• „ y":?t.1 0-'' E!t tr,e Lm1'• o` nst IJ11, We `)?.y rak':. OWNERSHIP OF THE PROPERTY - Yvu pr_mis: i.}a, f.,r "'.v r r ? urepe h you „ nt:osz. It cerm!rr:;u U the state .vt r I ,IVe as sf'r'ttttfj,' fir 'r t1 p r{c an ? r to My file rot +r1{ } JI (; urn ? nt! ,. ' {,Et A.)-/an,-e for It..': ,.,u c ofn;Se filar , L U!1'. ( .,, Cif The !oUmvina paragraph applies only to Louisiana borrot';ers: Wrier, you are ;lair. „a n_t u'e cwver!, rat r.! ; :nave rr t areaoy rtr ,,.., ct { . , r .m _< n,..t P .3.: ft nj:i? ,:'!nSer•.'. {ate ;rer31 Cn (rf 'rte! er"rrc; J,ipa .? t;e? or :ease ?"2 orC•pcrry Cr tit USH It ;15 ,8.:ur,ty w,i a t.. ,. J?. t'., P:d r y ..,, w.r _ a U have to oerna'.d to! payment. notice r you tvti a,v no .,ti•:eI sr, ,,utY c;erest or until t'ra ACNlilce Is rr,-P . asd. (r)u .: ' tcmsa l ,3'•+ u ¢r.! n ,,ccc. rn e , oct ! )_.. 'I dier.)tv_,n, h im Tled:ate 1ryrnen! s , en to anacn to me omperty ei,ner try your actions vy law . -f7!;I what you osee has been repaid t:l _ a _ r r „sari . ^.t nue r p iy Inter i PROPERTY INSURANCE, TAXES AND FEES - You rigs; mca:,ta'n property e t 4teUit late .5 disclosed On Ina ?: t r. ! c r •: . I .,J; r Ce Gr! al ropeRY' [ Y r , ou )ive as SECLr iV 1!"ld8r fLf. f . t., Y . Jt.d.! par chase ? d.w. r deiia rt t r Irv) ediat' pa,ment f £t6 t'een ['Fade, the snares 3!' the property insurance trot :anyone you choose who ?,ccepiarj;b o ltie r rcJdif et 1 qF ve ,, rL Irl y f„r tr'F I Je apolied Iowa ds what you owe. We .: nice The amount and cowraga of the property insurance rr';at',e + Lep!aore to sc d sc any , l er r ge-s r •r b t+ when you _I e it de, ,ault and cut r :5. You may prdv oc re property trsurarice through a rnwy y ,-,.-j d r Fv have, or r 4 .; i, :•oer u,•} secur Ty dgre,„rrten,v y_•1 hu. ,with us {EroUyh a policy y r you yet end pay ' for. You premise to matte me I 4,:ran"ce P'Slip` r CANCELLING OR CHANGING THE PLAN - The following paragraph applies pdya it, us and to relive! the policy or proot of coverage to us :f a,+,ext to d7 :o. on y to borro,svrs rn hlrnois: ':^ have file r ght to change the terms of the Plan trorn i t to ::r: iiL aler q?viny you an ad,ar..a notY e required by ia`rv. Any change to :h2 l' y 5u ante{ Your hst:rance and get t ro und, we havr a r gn to tho refund If tile ' wicr_•s' ram or otnercherges will apply to future advances. II property is lost or dt>.maged r<e can use the insurance etriomenrt to reps r he ! t I tProperty or appry ii tsiwafds w-.'veil you owe. You authorize us to endorse any dr0 or The following applies only to borrowers in Wisconsin; We ca paragraph check which may be payable, to you in aide[ for us to cos ect ar=y [crewnd of benefits ! rye .w :m ..t ant 3 :ime to .,e in acccrdance with St?--:On A22 s15 I due under your n, -ante p !c;. Y.tu arse premise to oar a .:exec and tees (like of ..,: wiscc Sin Statutes. You ,vl,: be notified of any change Ir. lerms Al increase I registration tees) ±t,e on the property. I )e ai bd e d r- under ,variable rate [[:'crest race ,_ not ronsick red f i th h t f d k r qa n to r> ?RdLr t':2 Prar. le can t.arCel :,t)d enure F ?n Jr any ::a'+. of TO , pay ne axes or ees on e property w u of en aec) Ir trt u ` u. we may v` u ao no !rir? us l+tor H•riren at any e. Ycj may ca _. [.c. Pan >, sr>y time by ray ln,.se rriigations. but vie :tire ,oi required to do o Any rric;ney wd ?pwid for taxes _ (P "? 1 gndu^n -C pay r?t Unpaid b.il3n C2S under the :erm5 c!I he Plan P fees ,insurance; n")e act 13 the unpaid balance f tr3 ilo .ca rid voiu ?rl' (fit i except to Ih6 ,x!@nt that r cy whiz tier !3 ,j 6; it E Gr d union cancel th F. Pearl nterafa on ihCSe ar'r GUnts d t same rate you agreed to ;,'iy of the. 4dv3ncv. We may , , yJ rr lapin:y s itmfle` 2.4155 of the Wisconsin Slatutes. l by Sec;;on », receive payr114rK' In connE t rt.. with the inst:rangy ±rar: >. rampanV w^tc:}'Jr,'?vide5 the t _. , Insurance. We mitt monitor c of flans for the purbose, of detefm{n:ng whetr.er you and I The following paragraph applies only to borrowers in terra: We can change tt e thet, borro&trs have imp ^ i v rte the :nF,urancis requirements of our loan acreemenls t :_r 1_ Pi the Plan from 'ime to time after giving you any advance notice required C' or rmmw ahpaga uthers to ec sr., The ms::rahce Marge added to an advance may include t A change that increases the rate of finance charge or other charge, ;her r1 i the insurance company s payments to us and (2) the exist of det rrurring compliance nc eases the amount or your Payments. or eat off arwfs3 adversely after[: existing wrtn the insurance requirements. If we add amounts for taxes, fees or insurance to the i F ri aces will apply to existing balances only if you agree to the change or you use I u!rpayy balance at a adva`r4. we may increaFe your payments to pay the amount 4 ,fie Plan after receiving notice that your use of the Plan means you agree the i added within the farm of the assurance) or approximate term of the advance. cha r3e applies to existing balances. ' i INSURANCE NC_)TtCF - it you do 11?1t purchase the regv!reo prcpeny inctir Ir.p. I The following paragraph applies to borrowers in all other states: ,Se have the ne insurance w n,dypurchase and c^•arde yo=,; for wip cover onty our inter-est ,n the to change the terms of the Plan from lime ru lime after tilrg you any au ancr - r h l' i b A ll f ;,ropeny. The pltmium rcr this insurance may be r:igher i?eca ;e the :nsurancr. o- c . required y taw ange it t nt r ST rte wi ny c .e aptly c wur3 -ro ice. ' y may t).e given us re r. Ili --ornF Cr : T to purchase ,nsura,'.ce ,`iCr uninsured and a! our discretion nd subject ;o cry re,., ,rements of anv!icabte !a,, i+ ,i as'-' ?zmai_tel is :os, w damaced. The insurance will not be liability insurance and ' a;;o!y lc unpaid balances will not satisfy any state financial responsibility or no fault laws. The following paragraph applies to all but Wisconsin borrowers. Ar, cr e m PROTECTING THE SECURITY INTEREST - if your stare issues a fa=e for the r ai ; penMic rate order a ri b,e Interest rate is Cf ^:onsidered n_ r)ge :r - ro ? a o t- i h e c ur,dr the Plan. 1:e can cam "al vie n;+re Pian '.r any art o, the Par. a" E r y , pf e to v enar s c-,trrry nterest Shown on t r: title. We may have ifrri e. You may cancel Ills Plan at any brae by g:yrng us prior wrrten ro r e ot. r.. Itte uhe, is called a hGanc;n aa.Em[,nt to Protect ours run; interest from the claim' of others if asked to d3 so ou promise to si n a financin statement Yo ' L i4ation to pay file unpaid balances under t hp terms of the Pier contir es t r.etl . y g g u aisc rortise to do r;natey r eise we rn nk is necessary to [.oleo! our security you e' rho Credit Union canoe! the Plan. ::ieresf in he pt4,^.erty. YOI,,IOr1t5e to pay all cost's :nCllYtfng b t not hmiterd to any DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN -V•,!_ ...d_ w atiorrey toes, we :rout in prcte...ing o,,r security interest snd ribhls in the oroverty, . era," Ing any o' our nynts under this P.ar. Iry nun,Mr of tir,'.rs w,thoi,f I. s,n•^, }s ;o the ,.x•erd :;car ..rated b': _.u?rcFc:e i_- N0!i(:c 10 1iI i,. `,n:JIA L<)HHC..EFJ FtJ „ii ..v A 'JU:;:' CE 7 l.H.: ri_. 1- i IC trlilY -- For hcse 11err.br rs Yvho purchase a vehicle under he j DRIVe Progf,mi. please revie,v the following FTC Notice: I NO-TILE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT !IS SUBJECT TO ALL CLAIMS`HNO 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. -. "Y ) 3 :- ,y-'%?? xL1T ? 2 t '•. '?R ?v ?tawd 1 C ni.._. ".?, t'+P ??r.4 n?a+3. . r r?tr RL >',r rr?, .} ? .?;:f ??" "r?"'# x; r ` t i yr ° p ?`?«", y • ar'j? ? ?Y{ f , ?rr ? rat. ., .I 3 : 46 C rIFY u. ^7 c:, e rc =t;:TCris OR ou=srloNS ahour vour• =c:. u . o- at par an r_fonr ct an can ,llr 'u.a r. r• sn, o S I A I L(,IFill 0,c U 711 ;:E- , , .. r• df-- „ W1,C^! I c I tiv 1! 3 . ,., ri ?,,., .'Idrr, u.t That a-c _, ...I _.,. vow.,, ,:Jri ?r&s: a, 7r , ..i'. err:? .,,, lcd til?it wti (r u?. _- , 0sr"ike or, your star;tnen? yo_: no! .'e tt': oai yrl,? ;. ,., --fie - ,_ •,:-r v us in v 'zing .wr C lay; ;r, r rar.le. relate,, a imsta Ke. yell ini? eira; ,r - - I'At tJ pay ix'Emc and you '.:lU i5ave t"? -5<:/E; ;!r, :fitly unau: ,orizevj tfan>aCtlor_ url yty r rv!T e , -:,r. VA It eStioM_e a UUn' I!1 C'it, e! Co Se, `cal w : __rKl y-1 Ott mcfl' _ .. .. •... ,:S?i! „_c-;ptance or arV reap. ,, r fi`ll'y I; f ...nt- 'jinn,;nl you owe ane the lime trial ?t :s due. ' y ? gnu 'all to I ay [tic- L.M. :Uhl th;;r trot ttr.k ioU oY.`9, we +:a :6pUr' , . .. „?. , ,:'; t; 1 !:iF l.•f _. .. JJt C; niR;? ,C 'T''. ., _, I'.L J.C .r lif B4 Innatl lc -s ICJ, , list an.• rr t!; p y yc,. and y?.?u <1!c t. t', u . '.,?t: r ay. , +rt.g r,• ,. ; y_ _ .e'_..r on1 ,e ,,,o>t ,r, rt jtte nil rrri )' t y0.; iJ 'h<, _ ,1. s YI"N !•? r - - ... ? - `t %: ye; h f u1eas, ]f , at)c,<a V' our 5f3! , i - eti5o. .. And. we must IgiF t iu ^18 r,,.'..e r1 ar r,?-. _t7 . T . ']:'+J ,_,.,:.. rs _..ri ... V:. rY'it' trj,! anycna .w report you to ;kat the ma !`:as '. er: • -'1d , :,.a ,. ,, tf5e „'??. er:-J: _ttit,-- er-vreer lJ eiiren r y :s. • _. : +?:! t it 1"? ., ?, y yG+ !? u b ii9re t r? , an . rrc,r ;•e r 5 otf0; - t3 ruta we car t col:d.:f t50 t', r.:' S°,G if'hit e ;rrr it your stare „5::.,t w<, .,urea. r SPECIAL RULE FOR CREDIT CARD P URGHASEti - it you r av a pr iY.:n nl L i .r c pay c l t i , f a ., s t,*Jrnatr a !y fr ?? your sha'r !'- OU t, of p epeTh+ or service Ila! you purchased w th ,r dl are nca of a ( F - 1 i n } e-5 flip pa}'F -r` On i^y l^lC ll't j/Jla 561F; r' _ _ r _ I -,eve tr eJ in 9ooc taar, to lrec! the proDil?n5 With Via Mefcnant, VOL' may havo ne t 1 , ( l , a pa "s : I f must r •aut, bus .nes, day6 [,ef :e L ., I right r nt to pay ^e re main. y^ arnndn: Cue on the prgpmy rfy of LeerVICE I CfE J G ? CY i c . cant :s .. r.:!,: <u :., ur mtaai ns on: tr+ty rice a) You Must t avw nt3da tiro purc aye ,n pu•+f :na,e s(.5 -'A, j YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR j . riot w. hin your home state, vrithir. ;00 miles of your current mail nu a-ldres r nd + WRITTEN NOTICE - Vii Must a,.krow,ieoge your iat er within 3J days, unless we (t`) The purchase price must have L•een more than $50 ^l:Ihm S,0 day, we must either cor re--t l he error, r Tf'e5e ;imilatiors do not ably if we own or Operate the mrrcF+ant or i' we nix. e t',, belie c e 5'a!e! Teri was cUrrcat , `IOU the adverttserne; t far this property of services. ',rlis h.),-eement. the words you and your means each and all of those wrio apply ? mine only by written application to us, which must tx approved by our uedit emir^mi?!ee ?;;r !ne ,^.arz or -raho signs this AGTeernenl. Card means the Visa Credit Card and any ` a kran officer. By giving you wn'tan notice we may reduce your Credit tine !rorn time I o =:as anc rerw.'ats we issue, Account means your Visa CTedil Card Line of ; to time, or with good cause, reoke your card and terminate tf•,ac Agroc ,±r,t. Cow Car:d<t a, or, w.lli us We, us, and ours ineans this Credit Union. cause includes your failure to comply with this Agreement or any other agreemert with 1. RESPONSiBIL1TY - If we tss;e yt u a card, you agree to repay aH debts and the us, or our adverse reevaluation of your creditworthiness. You may also terminate IN,, C n ,e tarsi e !,Tim fie use c;t the care and the card a ccount. For example, i Aofe--mentat any time, btir ierinination by efther of us does not atfec your ohyigation j are --sp,^nstbi6 !dr cnarge8 made f j,?U.rSe31f, your °.pouse and mirth chi Jtcri : pay the account balance. niso r cpnnst t., cnarg s made by anyone else to whom you give the S. CREDIT INFORMATION - Yb authorize us to invest ye, a your cdl 5iar r y i:,, t r, _u„ ,ys ...on; r:u,;s u.t.il the ara is recotered. You cannot disclaim wher, Opening. renewing or reviewing your account, and you autt,cri-c..s Ytsc;ose sco in +;tt by not fyirg us, but tae will dose the account for new transactions d you j +nfofmation regarding] your accOurlt to credit bureaus and other cr edi crs Vho Inquire sc toque."; :4'11d r_,:can all cards Your obligation to pay the account balance continues of us about your credit standing, no an agra e divorce decree or other court judgment to which we are 6. MONTHLY PAYMENT - We will mail you a statement cr;ery mar h h.ww J any may 'heel or one p1 the other persons responsible to pay the account. I Previous Balances of purchases grid cash advances, the current transac!*, or your T; hs _ara r_Iliaw our . reporty and you must recover and surrender, to us all cards account, the retnair ng credit available under your Credit Line, the New Bay ilnces of n avr re;;mr st and o:I te, n- tt an of t Sts Agreement- f purcahases and rash advances, the Total Pmew Balance tf5e Finance Chares• o:r- tc -e, ` 2 LOST CARD NOTIFICATION It you be ieve, the card has been. !cst or sl-ofeh I and any ether bitted fees, antlfne Minirnim Payment required. Every mont-I ya.,;us. pay y r ,^,n e--Ilately ca!! hey Credo Union it 234-8494 or (6001 237-7326. After I al '@a&' the Minimum Payment within 25 Clays of your statement closino date By sego: at. ! agreement you may authorize us fo charge the minimum payrnent Outer i, c city to :1otu snare or checking account with us. You may, Of course, pay more 'requ cat ,lay --r is LIABILITY p;OR UNAUTHORIZED USE, ,i agree to notify us ;mrrrpCy -t e y .:ralry than rtre Minimum Payment, or pay the Total New Balance in full, ano yo.: wii, Feou:e ?e u 7 ,,;r lnr to:,r C edrt Card, You may he of inetrce charge by doing so It your monrnly payment exceeds, the ^,Kai CrX1;i !rrw valance y r Cr.c r CarC Y w;li -refit be Halle for unnuthorizri,, use l r,--,r-d, we win aulu-naL`Cai!Y post ti5e crrart to your St shares. v c: s alter , w u t It)(,- 0 or o s b a una iiflorized use. You will have »,bn: or ..t'a the : r.,ad, wit{, The m nimum payment will de 191 2°< of .,our Total New Balance. rovtr> ed ,lp to Inc your Credh Card, unless you are grossty i next even dollar, or (b) $20.00, whichever Is greater. In addition. at any r^le y;ruf rot= the nanmtiry of yo,rr Card, In any case your h.,brtity will not exceed S54. Nev Balance exceeds your Credit Line, you must immediately pay the e -ce s : jpor, our - -1CREDIT LINE - if we approve your acpllcation, we will establish a self, j demand. We will apply payments in the following manner: first to prev u'es late ees. g Li - ! Cr d't for you and netlr!: you of its amount when we issue the then to previous cash advances finance charges, then to are,, o:s par i?ZiL- ;.-,anr;-- R i 3g e rr, t., le ha accounit balance exceed this approved Credit Line E=acn charges, then to current late tees, then to prim- ou5 cash advance C',a,ance thuin to you make an !`)e a •cour r,iti restore, Your Crete i Line by the amount of the t previous purchase balances in the order that they were poste t your a c rit, r, then to tn?- pnncipai. You may request an increase in your Credit i to current cash advance balances and then to current purc as- bald., oc r... i rf _ - `1.': , ... .. .. 1. ... ... - D, E IT `I tOFi >=:GN TF:;.'Jr.?CTUt:3 - •::, ,._. _ .', r:=UnL Fct<Cr J?, i:F ;;Al t t3. SPECIAL RULES FOR VISA PURCHASES -- y J _ :.;rL .•r :;r . '. :?; .: --...... _.::,. ., .:. .. ... _,,::. ., .; :. ,,i.; .: ... '..:,. .: '.. ., ?::.•.., ... .. 6r 3 h,a:a it r .... .,.rd:.:.. ::. IT I ...- .1.,:: -::;.c; r . e ..' .• ? ,,n . L cr.',. ' ;.r,: ,. ,rt :?J ,...'cif rra mad- .ern , f, n ;u= . ._,. ,...,,- ..-. :a Jr r r_. , (r. :11 r '.:rl I _..:'ntact ?'SECL. c. ' ci? rr :iv 1 -1. D!SPU rED TRANSACTIONS - You are n":: ,, PSE-G-1 wr ynq ....•:.:: i :I. tiL.f ?} .. ,,v?, : 1,:}, .::?'. ..ir....t?'.f` . 1 t .. :.: '•'I - te'. (tr 1i J . ."t r r lzt!n `rn vtt`rc 1 We ens yr3•.f ..I., erT'.:,i l! W, i; rF-.. i In .? ... ,... . L., .,..,, - .. _ .,, •.Kirled v c ,1t .. July e,ala.. ... :.. ........ ir_ ... , `irs! any a) i tir3i7 r'; ?•? r f p-. ?<,r.:iny any :TsCriu-nc; r„r _., . -ae r',). t til .?•!? e --o.'I h ryfri,,;? le Irv ? ' : ' .,.r _:reu-?^I. T. - PS, _CJ doas not pre t.C.rrr=. v..,lr t:rea.rr ri:ih:;.'•e? :.i.-,q a..F; s J t 'o , J o u ml docirr!entattoR ", t,; J. r J. i fi pJ Ili r in w,A mge Dail, ..r? is r?.rs,. u."^r. r'sy oP reav e.1 t6 complete a .,iart lr rc. w ,.,iuR form ,,:>r,hty hP t t <....ces ( to . a• ac } tr r it:: ,ay -,iw a your q.,w,_, In crises of fraudulent card 'Ssa r SE :., 7l aso reefuin a a ,? b ?tE - ny_ :: the Gr _g oyc? To a c ra F. ?rrtr. oar _r: d 1r`Jd r,±- to son t. eases we may ask you to r!ctgy tl'c 1•x ar autt,outie,. r P. to i k ng - t. LL WE? take £ r t .arYf r v.'a a nol rEr ei r trio r •per (` rE','.} 'e5ted ., doC 71r'-ilt?r1U Ir h? tone spr ci1}r'- , 1' t n -O: I F nO ar 3 the e y Then. in the, aq,.,encu +r. w K t nou^ ay'ie nctd res ,asibie for the tsnsaction(s) f i que-stion f :,ECU rn usi =a!,ere to r U J + n ^d t`ie arr.'. ont5 of ,tl: ict' is ar i ua:,C r J 3.un E .:Inc! ...5Fu!e lit: y cameo. sa: Shin by Visa. II :.;'. r It v : o;li J - . ,? cn?;?u^.t }ta, day. ; , r ntf r lyir J ni:, _ 31 J ;c' At s rn h _:TT ,'- W ?,^ unras+ F nonce Cnartfea or L, ,rt 15. SECURITY INTEREST - To secure your accou , yuu ?fanr ut? s ym n su ; h•_. ar- _..? .,, !,-e arrf.r„ i:e any Fu.ch„_.i: rarrsactiorTS that pdt.• : ycnwr sz,:. n ar tr ay u .. -.ny cr vious day .n the tst'}ng cycle. This gives "Is i _ Day } r 'ic! sL thnauc .',he acct, nt d you default, .ti we -rill rave he mg,): to rc ?: •r r y r;! a.. _hrsi of Ar,arxe Transactions. Note: Cash Advances are ahway s subje ct I o o_,e ,,c.., tihich %va base nol been pard for :trroug: our application u zow- finance chargrs and Irnm thr clay they are posted to your account prey:rertts n the nTanner ee C•r b d in t!Te tJOil I, Paymen! section LrJah respect to : are t Irt city we witi n a assert any statutory gh! M mzj`i !'avc ocu are in } - Uri` J in n<. r .C in4 ' ,in 3r fact r rc': 7 Ia!B if t t mill Ic , rE;ve rr t i,hdrat dl o f your Unp!edged refit union shares De o . ,sj ev t- s .r:1. bar rGS Then t., prw,* s p: rCra c :-anc tcaOty the unpaid balance O your account. However it ycu q ve or have giver us a Z S. I ur r t -. tnen to re?viou5 G3Sn ad4C 1Er C .tnC t r' r r. CCI}rr edge Ct your rrt flf union shares (DeposiTi; n y <rgn,ng the Pledge of r1 - -.,r ua13rc S 7 the U ki rl to y wicre uSied o yuur ac?_'Nj T. h(. Sit ;1mq or o,herwRSQ or do Gtrter Security irte;estt for a.l your deblS your acP7uni I o r c a a r and tt•e : to .;;ter p.jrctase balance n. veal c e secured by yoc;r pledged shares (Deposils) acrd by fire proper-,y descrioed ir• re r n t :n0 p Iti 'ar y n of c:cLt ,trier is ,,, ng cred:tcG if any at, ,hi ;'tale ;)Cher security agr"m-ants, except for your home J ur accour- 16. EFFECT OF AGREEMENT - This Agreements the contract wtm r: app re, to vrr a o t h t. to of the p ayman!s and -,L { Which are postaYf t you ! all trar!sac!tons on vour account even though he sales r:,)sh advan„e, cre.,n or tr P yr-Er r tie rate, show, on a staiernen, is eaual I4. cr e" f"Pd` the c:;her slips you sign or recave may contain different terms. We may amend the j New Eel, ce ?rnw en h a sia ernent We will not apply the MGMNY Perioc!+c Rata 1 Agreement from time to time by sending you the advanw written notice required by z to yo r C dun, on your aX'- 52a frment. I law. Y.7Jr use of the card thereafter will indicate your agreement to the amendments. 8. DEFAULT - You vAt in de!aui: it you kilt to make any MrrtimurT Payment r;ithi - ; To the extent the law permits, and we indicate to our notice, amendments will spply 25 days aher r"a,r ^:orthty stater-k ni c+:s sing date. You authorizes to transfer funos to your existing account balance as well as to future rransac6ons, c ffc r: to maa !re ritnirnum payrnew, due if yo,;r V ,a loan is fn de tuf, You will I 17, LATE PAYMENT CHARGE - If your Minimum Payment is not rece.ved by the .a! be r: fir f rt if our abiiity to repay us is m-at rially Ie'Juced by u rra ae 1, yOU ?trst clay of the month following your dire date, you wii; be strta!ect to a S20 charge. m- In r> t tree P ; your chligations. oankruptny or to o ven y procee ry 18 RUSH FEES - Yourmay ' incur additional clear es for rush w_gssinr, a'rd rrsh ioRirk yn ,;r tea t' or your failurF, to acide by trisAgrea7er t:..r'' e riuc- l 9 p d . elivery of cards anaTor PIN Tnaifer. of Sdcunty -.. - eref t ma•eriali d2Clines. We have the right to demand ( teJi?te aynt. Tt o y: ,r fait arc aunt gaancA ,f ;o O fault subier-t to our grk•rno yoj emy 19. OVER LIMIT FEE-AS20leawill beappliedforeru:hmon,thlystatementclosingciare nollce reef, r, {, by inu the F_X ,n. pzrm;;te b f la'N you Witt al," oe, to .irftC to pay vrT wh ?h I e G tti_ puny balance exCa?dS !ne aasryned { edit !loll l7y nt dC loan `v t(X e rr e ltectlOn expenses. inCiudrng court costs and reasonable atforre•y fees. ; 20. DRAFT COPIES - You may incur an additional charge for transaction 9. USING THE CARD - Tc• ma,,,e a purchase or cash ad';anro, tnere arty !coo summary sale oraft documentation. a t ati e, or cadures o bi: •n to wed r•ne :s for you !o crew t; the cord o a 2 t. COPY RECEIVED - You acknowledge receipt of a copy of this Agreement, ern, a r ,4 Visa p;an me ct .ua O aro!n r linanca2i institution an-J, sign (!'.c "alo., j 22 ILLEGAL TRANSACTIONS PROHIBITED - You s ree Ihat t cast,. ,)d an .e draft which will be mprirlle f with your card The other is r0 t'Cr^f)rvrf3 j g you will not use your rr.c. ,ransa ttc : uy ising Y7ur P_r,.urta. loa.:n _ati>•n :dumDer (P,..r in cry i_r-.Cl.on ! ur card for any transaction that is iltegaf antler epp!icab':e federal. stale. or local law. he c? u^ >{C,•rc;r [CO T_I!Cr F,fa:hire or xhfrr type of earno,.!.? ter r 23, NO USE - Inactive Visa accounts that have no Ourshase or cash activity may J. ov.des d„C s l0 h@ sa yS' You q(ep that v u will nor use your C rf' or any be closed without notice toy 'u alter IS months of no activity. 'car s .le under poll rble tedrra . st t or •w a! t 24 NEURAL 14ETWORK r SECU uses neural network systems to predict and > - m n 1 r i`y mere ant ?C !t M_ term a" or n1 niial rlst tion d lev n! Ur:author¢eo transactions. There may be occasions when a itarsacbon is '. nlcn .,.,..,, r„i..r.S wer:_ made... sale. cast advance credit of .:tnor silts cannot t :Pclireo because it is indicatn+e of possible, fraudulent activity. i i v a T n 0 O ?t ZtL) V W Ln t'N O a d E C O E 0 0 O ?. G O O G G - J, _ O ,- _ ---- --- --- 1cw? JM (? O >. ? J 1 ? > 1 o Y 1 M O V CD= j ? t m - N E 0 E N 0 0 Q -a [ C x 0 0 O C 0 0 (DO 0 00 0 0 0 CC) 0 0 0 O [ ° EOm -o v N0 -o -o V No co o ^NOm'D? 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O a.o 00 ?'m 0.E o -2o ? p?.v 0 p w c?nT?o acs 0- 1U > NyC) C S Ow yO O >iC1)a WV L O O N csa H c0 0 c O O E 0 ? O C CSOOOLONIO OOPNP n?0 cP, rl IT Oll -41 M 00 OD o Oto ?O"WgV'K VVIIOOMO NM ?'n 'a C o m ocv 00 Z r, ,o v o N s ?E E 3 4) a? OOO to to to vm°u V V : Ov MMfMMM MMM MM CV NNNNNN V C C o i. _ p 3_p n.o 00 o 000600 000600 000000 000006 000606 Cd u O'=)0 p- 0 0 O p 'C oucca _0 GVE v..,.. 0. o 5 4t, -o vsoacoo - - ,'620 N Y ?^ D 3 a^ O v v v o a-O > ?NMVto ?O f?00P0^N Mato `O f?OD PO?NMV to ,O t?00P0 J 7 [: 0 ?n - rn E y cl E O c o O NNNNNN NNNNNN 0 w ^ VvocysC, vEFEav ~ v Zv a ?E n-S t' vu° o° 0 u` u v° f U a° y a0 ° '' 6 &:, E E u EXHIBIT "B" TIFFANY R CONKLIN x;.540 HILLCREST DR i`CARLISLE PA 17015 ! I I I: ! t, ?Il f PIRS7 LIEFI I'nV011 OF: PSECU ;0 ?I si-; FI65T L.ICId R(I F.nS[o--- 1}-31i ITIN 1C By MAILIHr: ADIIItF :S (OLI'.l ,A; i 0! "M I ii f Dlt.TI-11101101H -. AIJIlk-lJ1701 :1. VF!W I. IOGr,IfJG VCRII;I E ! 1' = 1&1.'.A C A PG Wi- "_I I:o1.E N nF.COII rM IMEfi S 57111 FfI I T nF, o ul-iM TIV 1-1 I' ICLE v- VM 11 :3 I CON IM I I I ISSI!CD VRI N - F10 00 vll w 'l r it ., •.ccw,d r r l ulda i•: 11 31111 1:11Jr, s , , ;I. duo d 113 ,ir:l II - ,• ,hv 6:;a 1.:-011„klrr n„rA Innv:u•J Il- lillrl to ilo: lira.;; 1,1 n1 FA0,;I V.:I,i. 1- ,ail!, Ulu AlJMORL'I D Ili- T111-fIN 1'P: fIVF. DATE I dFinllvr _ -.._ -- n(rruoRlzl_o TIT i PSECU }I` - P 0 Box 67013 j HARRISBURG PA 17106 ? II t DF PA RI NI FM I C, I' 1110 NS PO P TAT 10 PI ' 1JTR ??': ? 1 i ii ALLEN D BIEHLER . r.!. ,, Tr: , tlrVt.. ?IL ,;I Ih..1 Ih. ; _•?;:(.?, o -. ,ad h::r I hlr ll.'.r ,: r:?, r ; -t-I j_ 1'1 .. I!!. ? - II III illtNl r ?li 4 CI 1 .. _• _ ? ,I F, I; ::ul .,gl rr?l-, n: 111 ..?.Ul;il II :? 1.0 pi rdia: r r other than your F u.., a !I 1,. I .•fa! /,,. ar•d III Ilt.; =! Y..i! I 1 1: I1111lf-r.m_. h.: li';IC•d as 'Joint Tenant: Will, Aigia of Sul 1 IELI,;' i - !.aill :A o,:c -, ti, Edo rlo,a. lu wr'ivrllq p,.vn rl , I:LL;I(! tJ'c ! i ( I lb: ICi r -. .., ..• n.. .r';l nt.rn ?n• !, IJ rll . F y -i r ;r II un ) d,r; : u 1C.s V )C pw? is a registered dealer holding the vehicle for resale . v t (n ;" ?: F 41 I " I 1 G(J ( t? / ;, r E I H= LLAOE Iii CON NECTION VITH THE TRANSFER OF OWNERSHIP- FAILURE i O j 11 i-1 a:. = F1.;.L-: 1 .1F F- I t..,, Fc--. 'L It! -ILES O R i'.IFRISONL'ENT. - . r\ _ .. Lam; T PH` r L'TiDLF II r. - • , c: rrl?' - I _ - - - -- ------- -- w ?' .,•=2 -".n: r7: t-h t__ _ CO PURCHASER SIi,N:.TL>riE 1 I,lrl- ). Ef Ai 111 I HFNE CD _-SIGNATURE OF_St: LI.E It ti m < SICNAII117E nF (:0-3EL-LrH m SELLER A rp UJ R MU CO SELLER 1.1U5T HANOPRINT NAMIE HERE tT f R! }' l 1 ?11) 14T??1V ?? .. B '? ? ?ID • _ ? . C . . I. . + - i7?' r 11;! :I L f F l h i l •L d i T • L T , FIR : n m. o w ?::; o anNral :ea pe I ::u t Y : e n: nnctm mad n9 s AS S MIDDLE NAME -10 1=rn ti . m j mils w'd r.:ll•:cl; Iho :u:lual Iltilca?a I Ihr 'dmdo, -- _-- - PURCi IASF.n OR FULL 7 r BUSINESS NAME -- - _ ----- 3 N t:r,l l:;:t .)na p: tl:e Inl;ut?,inJ bn<CS i1 fh2ckee'. ` G rr 1101-1, :hc nlnl:un1 of mtlr.:n;e rr ll 11 NOT lllr a0u:U nlile:t(]r: co PUnr,HAS1 Il - ---- < w it , ul it, n)OCII,.nical Iiniit_: u WARNING : Ork)-Ic, dilcfor> -y STREET O I:VJC fuUlxx .:nUity thal Ihu vC11N:le is Ime of any encunthrancc alll Thal IBC o+-nx:r:hil) Ir. hemby ADRRESS N? uanskneU w the 1>;:1son(s) Of Itle <kalcr I151ed. -- ----- --------- _ CITY SUNiSCRIBED AND 'WORN w_ TO BEFORE MC: PURrHASE PRICE m MO. DAY YEAR JFnrE Df' on DIN Q] O f w G. 51liPIATl R1E OF PfiR3nN nIiMINIS rFRIFIF. Of.Tlt PUnCI IASER SIPl1ATURE O < ? m Lu ? (n CO PURCHASER SIGNATURE _ n PurlcHnsER nND'on Q= CO-PURCHASER MUST Z HANOPHINT NAME w C d w `? ;. SIOPIAII7111-. Of- SI:LIAM u F • SELLER MUST C HANDPRINT IIAME IIERE IUWo crv lily, to III,: brd of nlylOle kno++k:dge that the oiIN-our readillU is - LAST FIRST MIDDLE NAME If NTl N miles alll r;eNrxls ttq ar:lual milnnLlr: Of IhC vClliel., PU 4RC1 IA IKSf.R On FULI. , - - - - IIU 0; NA()IE -1-. olio ..1 Ilq rnik)wu>J Ix)xrs is rhecklxl' rr ILrrkrls Ihu amnunl el ill-mi. Is NOT the actu:J milrayu GD-PURCIInSEII L. __I in exress of its ngd)mpr<d 4i011s WARNING: O kxoel. Ui.^.c'P y STREET 1. hnlhor cenily IhOI It vollrc:Ie Is Iree of airy C.-FnLra- and Ittat the rnw)r-rshq) II-. her(.hy AFN1nl-S`i - hanuln,I rnl l0 1br. p.mn(1) or it. &.'llrl l; :Ietl. -- --- -- - CI FY SUBSCRIBED AND SWORN - TO BEFORE ME: PLJI IIASE PRICE W) OAV Vf-An STATE Yll' OII DIN J =f w? u) ?r (j R (f) SELLER MUST HANOP)"UNT NAME I IF_RE i f e 1 ?' I 4 ) - - T f f X1 i1 8 lr tl ? t fl D { L 1 1 1 _ i•','d:? r,;, I11y. ::; t. r:. L:,f ..11:1.1r !„rne:l:'.'Ille II sT11Ir1 winn:r.tur rrarPoll is LAST 1 .. %!s N 1 tlodn Il,;: adual and .alp• a Ihr, vehlck. I IJRI IAU n r C FIJI I InJ I n s a t ,,.. I I I - i kr..t I 1 Hud 11 : I -1 I In NOT Ih.' .lciual nuL. 1 I G( LIh:IL f It I f u 1 r ?! -1 - I W:IRIJIN ,' D:(nr11 Ha.1 li ' ?F Y I 1.1 1 I0. q 1 I - 1 - 'II.. 1hI hi 11%.1 11.n.I 11 DI -.:; .IlY LL: o CL CI Q: D - :-•P-r;:Ft'::'i!:.i::?Iiltl';T''. R: N:i f.•=.1D FIRST MIDDLE NAME ilujIGI IASE PRICE--_ V'i •Nfl GO PU0 PUE,CI IASPR AND. OR CO PU4 HATER hIIJST U.i}rDPRlS!i ri,=.IE III]FIF: ----- 11) I sELLer, I,t,;sr SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy d c 2011 OCT --I Fh 4'. i u Richard W Stewart Solicitor CUMBERLAND COUNTY PENNSYLVANIA Pennsylvania State Employees Credit Union Case Number vs. 2011-5523 Tiffany R. Conklin SHERIFF'S RETURN OF SERVICE 09/30/2011 06:05 PM - Ryan Burgett, Deputy Sheriff, who being duly sworn according to law, states that on September 30, 2011 at 1805 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Tiffany R. Conklin, by making known unto herself personally, at 5337 Oxford Circle, Apartment 67, Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and at the same time handing to her personally the said true and correct copy of the same. RYAN BURGETT, DEPUTY SHERIFF COST: $38.00 October 05, 2011 IC:1 ('?4t1 rllil?`(f ? TE':I f_?? ,? I?;: SO ANSWERS, RON R ANDERSON, SHERIFF