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HomeMy WebLinkAbout11-6042It vt ILEQ-OFRU' -F THE PROTHONOT ,R" 20 11 JUL 29 AM 11: 0 7 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 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. DAVID J. KEPNER, No. 11 1 Ot# a Defendant 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. 1, qo -oo r 32709161 ,? a & as 17 IN 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 Lawyer Referral Service 32 South Bedford Street Carlisle, PA 17013 800.999.9108 32709161 s 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. DAVID J. KEPNER, 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. 32709161 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 NINGUN HONORARIO. Cumberland County Lawyer Referral Service 32 South Bedford Street Carlisle, PA 17013 800.999.9108 32709161 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. DAVID J. KEPNER, IN THE COURT OF COMMON PL17AS 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, David J. Kepner, is an adult individual with a last known address of 40 E. Locust Street, Mechanicsburg, Pennsylvania 17055-3838. 3. On or about December 7, 2009, Defendant applied for a Visa Loan with PSECU and on December 9, 2009 executed a Visa Activation Notice. A true and correct copy of the Visa Activation Notice is attached hereto as Exhibit "A" and incorporated by reference. 32709161 t 4. PSECU approved Defendant's application and opened an account ("Account I") in Defendant's name. 5. Defendant received a disbursement on Account I subject to the terms and conditions of PSECU's Loanliner Credit and Security Agreement and Loanliner Addendum ("Agreement I"). A true and correct copy of Agreement I is attached hereto as Exhibit "B" and incorporated by reference. 6. Defendant is in default under Account I for failure to make payments when due. 7. The balance due and owing to PSECU from the Defendant on Account I is $4,256.74, plus collection costs of twenty percent (20%) or $851.34, which totals $5,108.08 plus costs. On or about February 3, 2010, Defendant entered into a PSECU Loanliner Advance Proceeds Voucher and Security Agreement and Loanliner Credit and Security Agreement and Loanliner Addendum ("Agreement II") with Plaintiff for the purchase of a 1999 Toyota 4Runner SW, VIN #JT3HN86R2X0225611 (the "Vehicle"). A true and correct copy of Agreement II is attached hereto as Exhibit "C" and incorporated herein by reference. 9. Plaintiff's perfected security interest in the Vehicle it is evidenced by a Commonwealth of Pennsylvania Certificate of Title (the "Title"), a true and correct copy of which is attached hereto as Exhibit "D" and incorporated herein by reference. 10. Defendant defaulted under Agreement II by failing to pay the monthly payments when due and is currently due for the months of December 2, 2010 and thereafter. 11. Based on Defendant's default, Plaintiff repossessed the Vehicle on or about January 27, 2011. 3270916_1 2 12. By letter dated January 31, 2011, Plaintiff provided Defendant with a Notice of Repossession and Right to Redeem (the "Notice"), a true and correct copy of which is attached hereto as Exhibit "E" and incorporated herein by reference. 13. Defendant remains liable to Plaintiff under Agreement II for $760.77 plus costs of suit. 14. On or about January 28, 2010, Defendant applied for a Signature Loan and on January 29, 2010 executed an Activation Notice (the "Activation Notice") with PSECU. A true and correct copy of the Activation Notice is attached hereto as Exhibit "F" and incorporated by reference. 15. PSECU approved Defendant's application and opened an account ("Account II") in Defendant's name. 16. Defendant received a disbursement on Account II terms and conditions subject to the PSECU's Loanliner Credit and Security Agreement and Loanliner Addendum ("Agreement III"). A true and correct copy of Agreement III is attached hereto as Exhibit "G" and incorporated by reference. 17. Defendant is in default under Account II for failure to make payments when due. 18. The balance due and owing to PSECU from the Defendant on Account :[I is $9,054.69, plus collection costs of twenty percent (20%) or $1,810.93, which totals $10,865.62 plus costs. 19. PSECU has demanded payment from Defendant, but despite these demands, the Defendant has refused and continues to refuse to make payments. 20. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., Defendant may dispute the validity of the debt or any portion thereof. If Defendant does so in 32709161 3 writing within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will obtain and provide Defendant with written verification thereof, otherwise, the debt will be assumed to be valid. Likewise, if requested within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will send Defendant the name and address of the original creditor if different from the above. WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union demands judgment in its favor and against Defendant, David J. Kepner, in the amount of S 16,734.47, and costs of suit. BARLEYS ER LLC By: Shawn M. Long, Court I.D. 8377 126 East King treet Lancaster, P 17602-2893 717.299.520 Attorneys for Plaintiff 32709161 4 VERIFICATION Pennsylvania State Employees Credit Union v. David I Kepner I, Gregory R. Diffenderfer, being duly affirmed according to law, depose and say that I am the Collection Manager for Pennsylvania State Employees Credit Union; that I am authorized to make this Verification on its behalf and that the facts set forth in the foregoing Complaint are true and correct to the best of my knowledge, information, and belief. To the extent that any of the averments in the foregoing document are based upon the understanding or application of law, I have relied upon counsel in making this Verification. This Verification is made subject to the penalties of 18 Pa. C.S.A. §4904, relating to unsworn falsification to authorities. Dated: 2U1 Gregory R. Diffenderfer 32709161 EXHIBIT "A" U-09-2009 WED 07:34 PM t Applicant: DAVID ) Y($PNER VINR FAX No. 1119121108 P. 001 a? DEC o pgnq Visa® ACTIVATION NOTICE 12!07/2009 Ref #: gfllii00 Home Telephone: (7640 "010 Work Telephone: ( 2100 Approval Amount: $4,000.00 For Internal Use only: 6772002816584 I acknowledge rcooipt of the PSBCU I,OANLINI3R® Disclosure and Credit Agreement and agree to be bound by the terms set forth in said agree ent. Sign a of DAVID J FIt DateSARVjC 'No RECD DEC 11jj Send s 2009 • 1 would like an immediate Visa® advance of $ purpose: COMPleted D __i y? -----yam Check ? Deposit to my Share 4 • You roust select your Visa® loan transactloo repayment option. A Transfer on Pay Day (select one): ? Minlrnutn Arnotutt 0 Alternate payment amount of$ O Transfer automatically from PSBCU account on the 25'k of each month (select one): 13 Minimum Amount I] Alternate payment amount of $ ?i Mail a payment monthly by the 20. ? Previous month's balance • For overdraft options, complete the enclosed Ovardraft Transfer Service sheet and rettlm it with your Activation Notice. • You may have one additional card Issued on your V134® account. Iodicato your choico below: Pleeae tasue an addidmtal card is the ttatbn below. I authorize ldtdher to use It and I accept full rwpopalbiljry for all ctuvgaa andlor' cash advaaaeaJoat a$ though 1 nuida theta. AUthotfred pard holders may not order rcptacctuent cocdebr ablaut Vqa® account rnfa madoa (I.e. detailed transactions, balance lnfarmatioa, payment aadvlty). DAVID J KEPNER must sign bolow. Name of Authorized Card Folder Signature of DAVID J ItEPNER • Select your Personal Identification Number for your Visa® card SCANNED EXHIBIT "B" .?A T - n ( , is SfttL* EMPLOWN Uri n PO Hex 67013 i Hartb &M PA 17106-7013 • (71 TJ 23? &f8d r ig ?Nt3flj 7-Y32B Ndtfottwitla Loan immures Tft 1_€k1111MUNE11i Credit and Security Agreement, wtiidit IrOWes the -truth in CREDIT IARSUROAli - Credk We and/or creddt diiiobitify insurance Is optional LW cinch tltaolosures, wN1 be referred c as the PNn. The Plan docxa?tletns include kris under the Plan. If you qualify Air and purchase the insurance from om usyou lttittei tLe atymosentand an AdOonillurn, You, ybw and Irlorststtetl mew any person who signs us to add the insurance premiums mar" to your loan balance and drupe you tl*Pltm. Creditaa lien. we, oar and us mean PSECU or anyone to whom the Credit Interest an the entire balance. it you elect credit lnwitenco, your payments may Union transfers Its r 1l" under the Plan. increase or the period of time necessery to tepsy your advance may be extended. 146W tM Ft Mfr l 1i This is an opet"ind, ttttulfi-teatdrrgd credit plays. We The Gent tnsumme rates may mange duritig The Plan. if the rates change. we wits antstipal , VOL faun tutee to Brune, you will borrow money (called "adv attt,es'} under provide any notices required by applicable law. t rite Piai W elf-nattequb d to. fwafte aldtl81'i "m to You under the PMOead can PM Stmt-- On a, regalar baels you wild receive a Statement Shooting nOboo ai request fw an adtientoe at arty time. The Addendum describes the all tr acgass under the Plan daring the period covered by the .:staaer1ent. diAarertt types of Credit (called' subaccounts") available under this Plan. the current Statements and notices will be sett. to you at the most recent address you have I Interest rate for each subaccoarn expressed as a daily padoft rate and given us in writing. Unless applicable law requires notice to ea.Ctt joint borrower, i corresponding arutcaai paapentage rate and other charges. It may also have other notice to any one of you will oo notes to a!1. i terms and a sch tulle for determining the payment amounts. JOINT ACCOUNTS --- ff this is a joint account, each of you is itadlufduaty and jointly i! CNW LIMIT -- We may, but do not have to, 994OW-a audit limit on certain respore" for paying ail atnotxxs owed That meanii ws can ani our dWfc t subaccount3. if a mo Itltdtis set for a subaccount, you proRdse not to exceed the under rte i'lart ag*W of labtfsbed ortl? *W. It you exceed the credit limit, you promise to repay give any one of you in o or i y wt atr an K you hs0l you tos, Una . out Itttree ?eiililf the amount which exceeds the credit limit n i pooioy k y req regteires as all of ll of you u ev to we can for an atotlvloUaraeat each td fiEiMiY1MENT -- You tf sign for an ?. sladh of you sntlidrtzes zoa the promise to repay as amounts you me under the Plan plus other(s) to Obtain advmttosa katHridually and agrees to repay adve- made to the imeresL Payments are due on ate Iasi day of the mosth unless we set a different day other(s). Any joint accountholder may terminate the Plan by glvlcap us prior written at the time of an advance. If she Addendum has no payment schedule for a notice. if any of you terminate the Plan, the Plan is temtmated for sit of you. Ybu ! subaccount, your payment will be determined at the time of each advance remain liable Individually and Jointly for at advances incurred before termination. i Payments must irxitrde any amount past due and any amount by wMch you have { FEES AND CHAJi - It you give us a security imenest in certain types of exceeded any credit limit you have been given for a subaccamt. You may repay all prop" we may charge you a filing fee to perfect our interest in the property. if we or part of what you owe at any time without any prepayment penalty. Even if you do, the amount of the fee will be disclosed to you at the tittle you gboirt an advance. prepay, you will still be requireC to make the regular* scheduled payments unless We may also charge you other fees fn connection with the Plan. Our current fees are we agree in writing to a orange in the payment schedule. If you have a joint disclosed on the Addendum and will be added to your loam gafetu;e unless you pay sharedraft aowunt, you will be responsible for paying an overdraft advances them in cash. obtakrad by a Joint holder of the sharedraft account. Unless otherwise required by ! UPDATING CREDIT INFORMATION -You law, payments will be appitoo to amounts owed under the Plan, In the manner the promise that you win promptly give us Credit Union chooses, 1 written notice if you move. change your dame or empioymeril or if any other i changes. Upon our request, you also agree to PLAN ACCESS -- You can obtain crack advances in any manner authorized by us. If information you provided to us i provide s updated financial itillormation. F we slow you to use your ATf1d/ Debit card to access the Plan. You may be Sable for the u? use of your ATM/tit card. You wilt not be fiadile for unauthorized use j DEFAULT - The taNowfrry Pat?raWh aPPtfes to borrowers in ktahd Kansas, that omitim ai6w you notify us, orally or in wrong, of the sass ttleft ar ppssdtie Mslrae and South f aroJllna: You *404 be in tatult if you do not make a payment of l unouttiortrod use. K you believe your ATM/Debit card has been lost or atoken, Me amount requlted when it is due. You win also be in defank it we 664eve the Immediately inform the Credit union by calling or writing us at the telephone number or prospect of payment. performance, or realFtation on any puppetry giver. as security address that appears elsewhere in the Plan If the card is used to obtain unauthorized is significantly impaired. advances directly from the Plan. your liability will not exceed SSG. t the unauthorized E The loliorrfisg Pa41119-Ph aPPlles only to bawwaim In WistoarWta: You will be in withdrawal is from a sharedraft accoum yeur liability ,s governed by the Regulation E default if you fail to make a payment when due two times during any 12 month f disciosures you receives at the time you received your ATM/Debit card, ever, it the i period- You will be in default if breaking any promise made under it* Platt materially f withdrawal results in an aovarx;e being made from your overdraft subaccount, impairs your ability to repay what you owe or materially impairs the condition, value. FINANCE CHARGE - The dollar amount you pay for mousey borrowed is called a or protection of or our right in any property you gave as security f "finance charge" and begins on the date of each advance. A tinance charge wig be The 7altoadng paragraph appflas only to bhxnnaals In forte: Ycitl will be in i oomputed separately tot eaen separate balance under the Plan. To compute the default if you are more than 10 days late in making a payment. You win also be in finance charge, the unpaid balance for each day since your last payment (o( since default it you do not comply with the terms of the Plan and your tenure to comply j an advance if you have not yet made a payment) is multiplied by the applicable daily materially impairs any property you gave as security or your ability to repay what you t periodic rate. The sum of these amounts is the finance charge owed- The balance t owe under the Plan. used to and credos compute that lance have been subtracted and any additions atotheabalance The following Paragraph apPHes to borrowers in alt other states. You will be in I have been made. In add-tion to interest. :• a ma default it you do not make a payment of the amount required when it is due. You wilt may charge other finance charges which be in default if you break a are disclosed on the Addendum, if the interest rate is a variable interest rate, the Y prwllr5e you rfade utuhi the Pratt or if anyone is in default under any security agreement made in connection with an advance under S Addendum explains how the variable interest rate works. SECURITY - You me Plan.'you will be in default if you die file for bankruptcy, become Insolvent, it you pledge as securry for in, Phan all shares and d;vxfends and. if any make any false or misleading statements in any credit application of update of credit all depcsits and interest iR ali ,ainl and individual accounts you have with us now and nformaiion or if something happens we believe may substantially reduce your In the future. It a socc,l . folfrr mount s pledged for an advance, we will fr. ez e ability to repay what you owe You will be in default it any property you have given shares fn tt of accrue 1 he ex en of •r., uwsranding balance li Ih advur..e us as security a repossessed by someone else, seized under a forfeiture or similar 01hen"e, your p-k_>dged shares n a, t.o withdrawn unless you are n ilefautt The law, or if anything else happens that significantly affects the value of the. property or following paragraph applies in all states except in Ohio, Rhode Island and cur security -merest in it. You will also be in default under the Plan if you are in default Massachusetts: We ha e a statutcry lw-+ r -I c.;hares and dividends anv!- if any. the under any other 'can aryreerner.f with us. deposits and interest In art ird,v17- al and din. accounts you nave wan us and may ACTIONS AFTER DEFAULT - The /chewing Paragraph applies to borrower In excrc:se our rights under the lie iv; me er,ent permitted by state law (We are stale cnartereoi if our name noes not ,nr_iuoe are tern Federal Creo,t } For all Colorado, District of Columba, Iowa. Kansas Maine, 6iassaefitesetta, Missouri borrowers: The statutory Ken and/or your pledge will allow us to apply the funds Nebraska, South Carolina and West Virginia: When you are in defeat and after i ' in your account(s) to what you owe when you are in default. The statutory l,an ano I expiration of any right you have under applicable state few to cure your default, we can your pied9c demand immediate payment of the enter? unpaid balance under the Plan w'4rn-ut ;crot app to any In , ua: Ieiirame n Arcou r or any other as:curl vin that would lose special tax ueatm 1 ,nder stat e givenas Sec riry a y yrou advan, e nonce •_- or deral raw if Addicionai security 'or -te Plan may be req,iccl at the time of a,, advancu. if a The following Paragraph applies to borrowers inaNother states except msconsin subaccaunt identifies a -vpz c! rno.-riy !su as "New Cars') yc.u must give tinr,t and Louisiana. When you are in default, we can require immediate payment type of property as seuuniy wine i yu;; gc ,:r, advance antler that sucaccou-r.. A (a;.ce!eratson) of tine entire unpaid balance under the Plan. You waive arty right you have subaccount name such as -Oilier Secured' means you must provide security M demand tot payment, notice of,ntent to accelerate and nowe or acceleration acdeptadr- n s when you obtain an acvance w)der that suoaccount. Property yi: The following Paragraphs apply to borrowers in all states except Wisconsin and j give as secui ty w seta al ern: :. n c_-i .r rite plan and all othe.• bang. yo.. Louisiana: If immediate paymrn+ is demanded, you will continue f0 pay inheres' until r+ e e w+th ,i w ev n r e , ti, .,.t ,;r ; an sec ,r y by y; :, f :, r,q at;.,. n? be-;n rer n,d a* ine appi,caok Interest rases ,n e - - .'fecl or, it aepi,cabie. PSECU FOR0.{ea. au ( pry &No and Sewwr_C.t'j_AMranent (oprttfi'rtrm* ability to exercise our rights later. We can gflfpree &tia Plan Against your hates err sit to do" we disclosed on the AW011111Ian. If A daMWW br Im a9dtate palintient igglill repressntatves. H we change the terms of the Plan, you agree drat this plan i ttssbaes meltfR yew dome andfor depoeks can be applied tOwaRla what you owe will oots*lw to protect tbs. !ii an provided ft in section above caked '9eautly.' We can aka exercise any orirar CONTINUED EFFIECTWENESS - H any part of offs Plan 0 determined by a court rights given by taw when you are +n default. " to be tmettorasable, the real will remain In ~. You agree the Credit Union has the right to take pi>swssbn of any property given G NOTICE TO UTAH 60RRtliNERS - This written agreement is a final expression of as security under ins plan, without judicial process, d this can be done withhout the agreement between you and the Credit Union. This written agreement may not breach of the pease. if we ask. you promise to delver the property at a tine and be ci niradkxed by evidence of any oral ag=l6 OOW*. piece we choose. III the property is a motor vehicle Or boat, yoo agree that we may 0, is n wlleA by vwmaaf tow - NOTICE TO CO-SIGNER - YOUR obtain a rely or O#w device necessary to uniodc and operate it, when you are M MATURE ON THIS NOTE WAN$ THAT YOU ARE EQUALLY LIABLE dsfauil. We will not be responsible W arty other property, not covered by this Agreement, that you leave inside the property or UW Is a09dUed to the Property. We FOR REPAYMENT OF THIS LOAN. IF THE BflAE18YYER t?BIBS Nth PAY, wdi try to return that property to you or make Itavalliable for you toclelm. THE LFROER HAS A LEGAL RIGHT TO COLLECT FROM YOU. Attar we hme possession of the property, we oath a" it and apply tie money to any The lotawit>,g . apply if you ova sp gutty in connection with an arrrdhhxta you owe us We with give you melee arty pueNc diapoelton or the data agar ° advautrx rairYer tlr FFann., ftay apply to rco s hr s9 stales ?icospt Couista1: whitithh a private disposition tAB be held. Our eoapW"e for taking possession of and Loci sh" borrowers will exact" a aeparaee Mowftyr agraerilleaL Borrowers in ; setting tlhat property will be deducted from the money received Reef the sale Those ? od*r stietes may also be tasked to execilft a separate security agr eagte t. oa4N may bckode the cost of staring the property, preparing t for sele and attorney's I toes to the extent permitted under state law or awarded udder, the Bankruptcy Code. THE SECURITY FOR THE PLAN -You: give us what is known as a security ° interest in all property described in any receipt, vowcdher or other document you You roust pay any amount that remains unpaid after the sale money has been applied receive for an advance ('The Advanciel. The security Interest you give includes all i to any unpaid balance under the Ptah. You agree to pay interest on that amount at Ora ancessions. Accessions are things whloll alts attached to or installed in the property f same rates as the advance. or. 4 applicable, at the detaurlt rate dtaclos®d on the future. now or in The seeurrty any reptaoements for the also inok]des t?h AdclehtApg, and that amount has been paid. you buy y within 10 days ys o of i it prope w rty you Advance of any extensions, renewals 17re lfolfotvtitg pamgfspih AppR" only to %lownsin borrowers. When you are in or refinancing of the Advance. It also halides any money you receive from selling do** and.edbar expiration of any right you he" uriderapplicabs elate taw to cure your this property or from insurance you have on the property; q tie value of the property delsut, we may require immediate payment of your olftstandiiing loath balance under flhe dedines, you promise to give' us more property as swu y If asked to do so, Ptah and seek possession of property given as secrrity You may kvkmUhly gam" W%ATTHE SECURITY INTEREST CO CRM OOLLATMAL RR(MSIONS property 1a us if you Choose. Or we may seek to taken pee +on of the prop o (Y by -The security itteresi secures rho Advance described in the recelpt, voucher many p process. if we repossess the property, yeti agree to Pay reasonable MOOMM other document you receive at the time of the Advance and anywden , renew irtouned in disposing of the property. It the properly is a motor vehicle, menthe home, i or + of the It also also s aewr aa say eeyou oother ai mits wal*, sno smabfls, boat or aircraft, you will aiso-be required to pay spy cis permitted or loam, e tin t or b+ resaeceive kt llsr er amounts ir he fulcra under Pbi sd s a N byrtia by Sadler422:418 olthe Wieoons i t Stele tes. Ybu must pay any amount OustWn*M ns w no c lutling any t:nedit Gantt loan, you . aenrr w for satyr nsaaoa now or In n thefiutwey wWW after this saw money has been applied to what you owe intros( tone Pfen. You except Any to- secured by your-pftolpid rashIlMos. it the property is household ( aII Pip lo pay Interest on any unpaid Amour" at the samerate as ate advan09, or, iF i goods as by the F 7yaTrade Bute, the appfioeblo, at the default rate disclosed on the Addendum, w* that arnou nt is pdJd. not other property will secure f> ony the arw net other you . Advance amounts you owe. H the property is located outside Wisconsin at the time of de ft uft, we nay take [ OWNERSHIP OF THE PROPEVM - You promise that you own SO property you possession of the property without judicial process, it permitted by the state where live as security or if the Advance is to buy g y property. you promise you will use the property is located. the Advance for that purpose. You premise, that no one else has any interest in or 1 G TAe Ibllowrfng paragraph opyallea only to LoWslans borrtawers: When you are in 1 clalm against the property that you have nap already few us about. You promise not 1 default, we can require immediate payment (acceleration) of the entire unpaid ; to sell or lease the property or to use it as security for a loan with another creditor balance under the Plan. You warve any right you have to demand for payment, notice of intent to accelerate and notice of acceleration It immediate payment is until the Advance is repaid. You prom you will alloy no other security interest or li t tt h t th t it b i b . i demanded, you will continue to pay interest until what you owe has been repaid at ff i en o a e proper ac o y e her ons or y your act y operation of law, PROPERTY INSURANCE, TAXES AND FEES - You must maintain property the applcable interest rates in e ect unless a default rate s disclosed on the t oft cif property e that you give ar security under u se Plan You may purchase Addendum. It a demand for immediate payment has been made, the sharps and hee grop erty y th property i nsurance from you choo who is se anyone yd acceptable to the Credit ; deposits given as security for the Plan can be applied towards what you owe. We union The amount and coverage of the property insurance must be acceptable to can also exercise any other tights given by taw when you are in default and our rights under any securely agreements you have with us us. You may provide the property insurance through a policy you already have, or through a policy you get and pay for. You promise agate the insurance policy i CANCELLING OR CHANGING THE PLAN - The to#owi rt9 para9rdoh applies to payable ayable to us and to deliver the policy or proof of f to us if ask to do so only to borrowers in tftfnols: We have the right to change the terms of the Plan from time to time after giving you any advance. notice required by law. Any change to the If you cereal your insurance and gat a refund, we have a right to the refund If the interest rare or other charges will apply to fui tire advances. property is lost or damaged, we can use the insurance settlement to repair the properly or apply it towards what you owe, You authorize us to endorse any draft or The following paragraph applies only to borrowers in fWiseormin: We can check which may be payable to you in order for us to collect tiny refund or benefits change the terms of the Plan from time to time in accordance with Section 422.415 due under your insurance policy. You also promise to pay all taxes and tees (like of the Wisconsin Statutes You will be notified of any change in terms. An increase 1 registration fees) due on the property. in the dally periodic race under a variable rate interest rate is tso considered a change in terms under the Plan. We can cancel the entire Plan or any part of the If you do nor pay the taxes or fees on the property when due or keep it insured, we may j Plan at any isme. You may cancel the Plan at any time by giving us prior written those obligations, but we are not required to do so. Any money we spend for taxes, ! Pay notice. Your obligation to pay the unpaid balances under the terms of the Plan ; fees or insurance will be added to the unpald balance of the advance and you wig pay , continues whether you or the credit union cancel the Plan, except to the extent that Merest on those amounts at the same rate you agreed to pay on the advance. We may I your fiabilrty is limned by Section 422.4155 of the Wisconsin Statutes. receive payments in connection with the insurance from a company which provides the ; The Wowing paragraph applies only to borrowers in Iowa: We can change the !. nuance. We may monitor our loans for the purpose of determining whether you and j other borrowers nave compiled with the insurance requirements of our loan agreements , terms of the Plan from ,rrl@ to time after giving you any advance notice required by or may engage others to do so. The insurance charge added to an advance may include I law. A change tha! increases the rate of finance charge or other charge, that tit) the insurance compary's payments to us and (2) the cast of determining c ' Diiance 1 Increases the amount of your payments, or :hat otherwise adversely affects existing with the insurance requirements. It we add amounts for tastes fees of insurance to t,e balances will apply to existing balances only if you agree to the change or you use he Ptan after receiving notice tha! your use of the Plan means ou a ree the , unpaid balance of an advance, we may increase your payments to pay ttse amount y g change applies to existing balances added within the term of the insurance or approximate term of the advance The following paragraph applies to borrowers in all other states: We have the INSURANCE NOTICE - It you do not purchase the required property insurance. ! ` right to change the terms of the Plan from time to time after giving you any advance i i l the insurance we may purchase and charge you for will cover only our Interest rn the i property. The premium for this insurance may be higher because the insurance not ce requ red by aw Any change in the interest rate will apply to future advances, ; - company may have given us the hurt to purchase Insurance after uninsured d ano at ct s,ret c.r . subiecr o an r.?u;re^,,ents of applicable law, w1l also apply to unt a d ba,anci: , an 'oliaterar :, post or damaged. The insurance will not. be e liability insurance and ` will not satisfy an state financial responsibility or no fault laws. The following paragraph applies to all but Wisconsin borrowers: An increase :n e da,1y periodic rate ,noer a ar be (mere t r i t t PROTECTING THE SECURITY INTEREST - It for your state Issues a t ot's the , s a s no e conslrlered a change in term un^.er the Plan Vie can a c, I the entire Pian of any part of the Plan at any y the title ty. yo t u p le t tfi interest shown on We m the titre. may haim time. You rrtav cancel the Plan at any time by g=vrng u5 prior written notice. Your o Me w the t our se out se d a fi naanci rsierg statement to -ailed i to d4. n : , s protect 7 procurry interest from the i obligation to pay t`de unpa,a balances ur:cer -e terns of this Par continues wtnetY.er claim, of Others 11 asked to do so, you promise to sign a financing statement. You you or the C,.,;ir, in-ori cancel the Pi<1n also promise to do whatever else we think is necessary to protect our security DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN - y, ca, d a Interest in the property YtA; promise to pay all costs including but not limned to any y r t _;rr}r.] '3• ? ,. , ^ 1'r : r r / n:.?mhpr !+f !'.rt ,¢ wltn!l;, i ,Itg C, actor ey f , xo r ur in nrotectinq our securirv interest and Iiehts it me prori rry, ,h• 'd - ' ., x _ _r . I . r1 D . f..ahk la*n [.>ffiM&1ft & 00 aid Security CrNW A "-Morit (00011tttoled) USE OF PROPERTY - Until the Advance has been paid tiff. you prombe you w* (t) Ube pte poop" carefully and keep it in good repoir, (2) Obtain our wriltIon pernwaiian before coating mw changes to the or dot g the address where the poop" is kept. (3) tnform is in cilitaroging your address. (4) Allow us to Inspect the, presrerty. (5) Promptly notilljr us I We property is damaged, stdarr or abtuect. (8) Hot use the property for any urdarwho purpose. (7) Not to retitle property in another staft without felting us. ROME TO NgffiTt4T31UI OTfl BORROWERS PURCAASMtCs A MOTOR VEMCLE -- THE MOTOR' VEHICLE IN THIS TRANSACTION MAY H SUBJECT TO RPPOSSESSIOW IF IT IS REPOSSESSED AND SOLD TO SOME ELSE, AND ALL STS DUE TO THE SECURED PARTY ARE NOT RECEIVED IN THAT SALE, YOU MAY HAVE TO PAY THE DIFFERENCE. NOTICE FOR AR&MMA OWNERS OF PROPERTY - It is unlawful for you to fail to return a motor vehicle that is scrbiect to a aacurity interest, wit3drt 04r* &ys after you have received not" of default. The notice will be mailed to the addrm you gave us. It is your responsibl0ty to notify us H your address changes, The maximum This notice contains important information about your rigift and our responsibilities; under the Fair Credit Billing Act. You are advised to read your monthly statement and review a for any error discrepancies or unauthortzed transactions. NOVFY US IN CASE OF ERRORS OR QUEST-IONS ABOUT YOUR t STATEMENT. H you think your statement is wrong, of H you need owe tnfnmraffion j about a transaction on your stafernent, write us out a soparale shoot at ow address listed on your statement. You are requited to notlty has in wilting within 60 days following the date on which we sent your statement wherein tfte eirw or problem j final appeared regarding any discrepancy or Unauthorized transactions on your account. Failure to notify us may result in your acooptirnee of arty responsibility for payment or reimbursement to us for any such error or discrepancy on your account. Write to us as soot as possible. You can telephone us, but doing so MI not preserve your rights. In your tenet, give us the following information: Your name and account number. The dollar amount of the suspected error. Describe the error and explain, 4 you can, why you believe there is an error. It you need more information, describe the item you are not sire about. It you have authorized us to pay a credit card account atNotttatically from your share account or checking account, you can stop the paymertt on arty amount you think is wrong. To stop Ube payment your tatter must reach us ttlaee bxusinW4 days bef li re Ere automatic Payment is scheduled to occur. i YOUR R4HT'S AND OUR RESPONI3faI..M S AFTER WE RECEIVE YOUR WRITTEN NOTICE - we must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days; we must either correct the error or etq"n why we balk" the statement was txxr ecp. pertafry for unlawful failure to return a motor vehicle is one year in prison and/or a fine of $150,000_ For tt ose member who purchase a vehicle under the DRIVe program, please review the following FTC i agcae: NOTICE ANY HOLDER-OFTHIS MMMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND USES WHICH THE DEBTOR COULD ASSERT AfiiltIINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNT'S PAID BY TI IE DEBTKYR HEREUNDER. After we aewtve your letter, we cannot try to to any amount you goestfon. or report you as delinquent. We can continue to send smismerits to you fo the armour/ you question. includirv finance charges, and we theft app* any unpold a ineurd oplikest your credit irrtti. You do not have to pay any questioned amount while we are knrsstipotting, but you are stiff obligated to pay that penta of your statement thot aft not to q uesNont H we fktd that we made a mistake on your statiesn", you will not nave to pay any finance charges related to any questioned amount, if we didn't make a mWake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount In either case, we will send you a statement of the amount you owe and the date that it is clue. It you tag to pay the amount that we think you owe, we may report you as delinquent. However, If our explanation does not satisfy you and you write to us within tan days telling us that you still refuse to pay, we must leg anyone we report you fd that you have a question about your statement. And. we must tell you the name of anyone we reported you to. We must tog anyone we report you to that the matter has been settled between us when it finally is. It we don't follow these rules, we can't collect the first S50 of the questioned amount, even it your statement was correct_ SPECIAL RULE FOR CREDIT CARD PURCHASES - if you have a problem with the quality of property or services that you puirdtased with a ore& card, and you have tried in good faith to correct the problem vrlth the merchant, you may have the right not to pay the remafnI amount due on the property or services. There are two (imitations on this right: (a) Ybu must have made the purchase in your home state or. if not within your home state, within 100 mass of yaw current mailing address; and (b) The purchase price must have been more than $30. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or siervWe& In this Agreement, the words you and your means each and all of those who apply ! Line only by written application to us, which must be approved by our credit committee , for the card or who signs this Agreement. Card means the Visa Credit Card and any or loan officer. By giving you written notice we may reduce your Credit Litre from time duplicates and renewals we issue. Account means your Visa Credit Card Line of to time, or with good cause, revoke your card and terminate this Agreement. Good I Credit account with us We, us, and ours means Ihfs Credit Union cause includes your faiure to comply with this Agreement or any other agreement with I us, or our adverse reevaluation of your creditworthiness. You may also terminate this t. RESPONSIBILITY - If we issue you a card, you agree to ropey all debts and the Finance Charge ansng from the use of the card and the card account For example, j o pay is aaccounttba a butt terminal on by ether of us does not affect your obligation 3 you are responsible tar charges made by yourself, your spouse and minor children You are also responsible for charges made by anyone else to whom you give the 5, CREDIT INFORMATION - You authorize us to investigate your credit standing i card, and this responsibility oontnues until the card is recovered, You cannot disclaim when opening, renewing or reviewing your account. and you authorize us to disclose responsibility by notifying us, but we will dose the account for new transactions if you ,nformation regarding your account to credit bureaus and other credrtors who inquire so request and return ail cards. Your obligation io pay the account balance continues of us about your credit standing even though ar agreement divorce decree or ather court judgment to which we are 6. MONTHLY PAYMENT - We will mail you a statement every• month showing your not a parry may direct you or one of the other persons responsible to pay the account Previous Balances of purchases and cast, advances, the curToril transactions on your The cards mn a , our rrowrty and you must recover and surrender to us all cards ' account, the remaening credit available under you Credit Lane, true New Balances of upK,n our requa„ and upon termination of thrs Agreement purchases and cash advances, the Total New Balance. less Finance Cnarge due to date. 2. LOST CARD NOTIFICATION -it pour ce. eve the card has been -ast or stolen. and any other billed fees, and the Minimum Payment required. Every month you must pay ( you will immediatery call the Credit Union at 1717123.1-8484 or (800) 237.7326 After at least the Minimum Payment wdhin 25 clays of your statement coo, i date. By separate t hours Caii x800; 556567 ? agreement you may authrxize us to charge the m nimum payment autorriaticary to your 3 LIABILITY FOR UNAUTHORIZED USE You agree to chat' snare or checking account with us. You rrW of course, pay more frequently, pay mom i dY us krtrrtedlately, orally i than me Minimum Payment, or pay the Total New Balance in fut. and yoxy will reduce the I a n wrtrry c.t !nr± loss, tK?it or nor.hoc,; od it ,-,f y iCrr CrPdN Card. Yiu r. tor. haCl ^inance charge by do+ ?g so. if your monthly payment exceeds no total creclit line balance for the unaue'onzed use of your Orem Card You will riot iso liable for unauthorized USe owwed we will automatically post the credit to your Sf shares that occurs aher yoro rionf, us of the "s, theft. or possible unauttionzed use. You,-.,W have no ltability tux unauthorized purchases made vein your Credit Card, unless you are gross"y Foe minimum payment win be (a) 2% of }tour Total New Balance, rounded up to negligent in the Handing a your Card. In any case, your lied tiry w of not emceed 550. next even dollar, or (b) S20.00, whichever is greater. In addition, at arty time your Total New Balance exceeds your Credit Line, you must immediately pay the excess upon our 4. CREDIT LINE - if we approve your application, we will establish a sell- demand. We will apply payments in the following manner: first to previous late fees. replenishing Line of Credit for you and notify you of its amount when we issue the !. then to Previous cash advances finance charges, then to previous purchase finance card You agree net to le t." account balance exceed this approved Credit Line Each charW. then to current tote fees, than to previous cash advance balances, then to paym -.ni LOL r • on t 1 a -oun t rP_sto lour creel line by the amount of the nrev;ous ourchaSe balances in the order gnat they were posted to your account then rCr?iu:s, nn "nrrnace n vote Crerl't rib c,.inrnt cash s .. n^:: 1. .nc•.-•; an-! •hen ?...rrer• ^.urr..a ;e hal:,,,?„c COW AgirseMlgi t W.W 1^0 Ito Lfi/rd . a (60aun ow 7. F91 MOM GRAVOM - You acct avoid the Finance Go" out p? by paylstt2dblilrisartto?ahtd the Newunnce of Purchases, ead'r'tYkOiYBf 41N+M12$ days *(yew efelermM dosing dace. Otherwise, the Nm Balianoe of Purdt asks, and the >atAlae"efirt pum bases from thedelathey are posted to your accumt, vr0 be mAjsct # to Firiance Ctnarge. Cash advances are always suttlect to Finance Charge from the (( duals they are posted to your account Purchiaass:. We calattleAe .yofir finance charge by rnEltfp" the average adhered defy balance we 00snati n-belM4. inctutiiiiiii; now Rua ,for thabong cycle by the monthly petbdlc purchase We and comespond[ng AW4UAL PERCENTAGE PATE as disclosed on the Add niclu n- Cash Aavances: We ceict tta your finance; charge an cash advances by mtdbpl wV the average adjusted daily balance (see explanation below) for cast t advarfaeFt during the b$iti$ cycle by the n10tirthl r perkitlt: admice saki and cotsespondirig AN#ML PERCENTAGE RASE as disclosed on the Addendum f3aTatphoe`COrtlptltatTaly Method Auwage Daly Balance for Ptirdiases The Average Daily Balance for Purchase Tremont is calculated by adding If* Daily Balances (Purchase Transaction) for such day in the b&V cycle, and then dividing by the number of days In the hieing cycle: To calculate the Daily Balance for purchases each debt, we take the following steps: NWa take the ouissanding bafanoe {sill ammots you owe) at die start of the day. j Thm In the s cluenos in which amounts are posted to your account, we add the amounts of atdebiu-and subtract the amic uits of all credits or payments pilau post is your account the day. Afar appfyinil parrient8 and credits; we swraet the 1 tirli Unt Of any unpaid FMarvce;Cttargea•of Lace Charon, Then was also su1104801 the annottrq of wwrAsh-Advance harisactiom that pasted to your aaoownt oft that day or in arry previous day in the biting cycle. This gives us the Daily Balance for purchases. /tirOra111n Do* fps for Qish AAwatims - Cash Advance, Transacoom which are pealed to your awotutt are not included in the Average Daffy Balance to lciAeYan for pta'dwas, wd are literalere not subject to the monthly periodic rate for ptrcitases. The Aiiaq4s Deny h lacalculated separately for Catft A*%rvms and is stt6jecx to the ORO Advance Mar** Polock Rate T IaBali371etedby aadttg the Daly Baianurs (Cash nor each day in the Willing oyde, and tthert:drutrltlg by the number of days in the bilAng cycle. Ta calculate the Dally Balance for ofigh earth dw will two the follows ig steps: Vlfe tali Vie of ndlev balance (all amounts you owe) at the earl of the day. Thera, in the sequence in which amounts ate pasted to your account, vile isfidthe arrioura of ail datifis and subtractilhe amounts of all credits orpayuatetea which post to'yotir amount that day After applying payments and crecAls, we subarea the amotntiof any utlipald Finance Charges or Late Charges. Then we also stubtrad'this amount of any Purchase Transactions that petaled to your account on Duet day or in any previous day In the billing cycle. Ttns galas us the Daly Bef+t#" for Cash Advance Transaicit tB. Note: Cash Advarwcim aria always subject to a firm" charges acrd treat the day they are pesfetll?lo your account. Payments are applied in the following manner thirst to previous late fees, then to pr rAws cash advances finance dlaly)es, then to previous purchase finance charges, then to current We teas, than to previous cash advance balances, then to priNfous purchase balances in the order that they were posted to your account, then to current cash advance balances, and then to current purchase balances. Credits are applied fist to the particular type of debt which is being credited, if arty, and then to the balance of your account Note also Mat it the total of the payments and credits which are posted to your account by the Payment Due Date shown on a statement is equal to or exceeds the New Balance shown on that statement, we will not apply the Monthly Periodic Rate to your Account on your next statement- 8. DEFAULT- You will be in default it you tai[ to make any Minimum Payment within 25 days after your monthly statement closing date. You authorize us to transfer funds sufficient to make the minimum payment due if your visa loan is in default, You will also be to default if your ability to repay us is materially reduced by a change in your employment, an increase in your obliga tons, bankruptcy or tnsolvency proceedings Invodving you, your death or your failure to abide by this Agreement, or it the value of our security interest materially declines. We have the right to demand immediate payment of your tun account balance if you delauh, subject to our giving you any notice required by law. To the extent permitted by law, you will also be required to pay our collection expenses. including court costs and reasonable attorney fees 9. USING THE CARD - To make a purchase or cash advance, there are two alternative procedures ±o be followed. One is for you to present the card to a participating Visa plan merchant, or another financial institution, and sign the sales or cash advance draft which will be Imprinted with your card. The other is to complete the transactor by using your Personal Identification Number (PIN) in conjunctior: with the card In an AhAornated Tesler Machine or other type of atechonic temilmal that provides access to the Visa system. You agree that you will not use your card for any transaction that is inegat ender apnticable federal. state, or local raw The monthly statement will identify ?he mercnant, electronic terminal or financial institution at which Transactions were made, but sale. cash advance, credit or culler slips cannot be returned with the saltemOrtt. You mid-rglain a oogty of such area kg*Wted at the untie of the transaction In order laverflyithe ioniflyelalement.Tina tediUnion may make a reasonable charge lot pholociapi* of.tsrfpe you may refit. 10. OYf DRAFT OPTM -'9 %0 ^OINtit«t 1a eterdwlk to year- PSEW Vies Credit Card, thateleclionIs 00 001c) fie 1Y *MdMeaWmOmd*mpic wets and the current ben policy at ? tfrne of *0491E You ako wahorstand that an overdraft witi be owe deredlhe ssnta es a aa0 SOW" an yourr fwd Visa deaf . Card and that the cuniant Anr iual Pekontage Haste for east advanow MI apply 11, b]ETUR1NSANDADJUSTOOM-lilomhorlaandoftseribphmwthecacd may ghee credit for returns and , and they will an so by sending us a credit W which we will post to your Vwauftne of credit. If your credit and pa laments exceed what you owe us, we ,ail aulOrt etlfoalty prat ate excess credit battlart a to yew S1 Sips will* 75 days. If the balance Is one dollar or more, upon your written request, we will refund the credit balance to you. 12. FOAMN TRANSACMNS - The a%etarW rate tretwasn the trafla2Nem j Currency and the ftillpg ca.tnWcy used forpmossa ft International transactions is a rate soelsolad by Visa frorq'the range of rates avollishlein wholesale ourranoy markets for the applicable centre prooesealg dale. which role may vary from the rise Visa belf receives, or a government-mandated rate in effect $or ttw apWabia car" ptor. k>g tale. In each 6tstarice, an atl$ustmerrt may be assessed based on the ISA lee Imposed by Visa. This fee, which ill" 1 % of the transaction amour. win be assessed on an trsruactorw where the machanht country differs from the country of to caidi'ssuer. 13. SPECIAL. RULES FOR VISA- PURCHASM - If you disagree or find an acre with a Visatransaction, and have fried In good to It h to correct the problem with the merchant or the charges ape the result of unauthorized or fraudulent use, or your purchase cost more than W and wea made tram a plan merchant in your sate within 100 miles of your home, cotnso PSECU. 14. DISPUTED TRANSACT UNS - You are requred to nobly PSECU fn wafting within 60 do" kdowdng the data an which rife sent your tt lernatt latwe et the slow or proWamifrat appeared regarding any dtaarepancy or unautharized trarraactiort on your account. Telephoning PSECU does not preserve your dispute rights. You may be required to provide us with documerilatlon to stppori your dispab clalms, In I adlttlon, you may be required to cornpate a standard dispute form outlining the details of your dapfAa. In cages of fraaudadsni card use. PSECU win also require a notarized siffldavi . In some causes we may ask you to nowy the laces authouttaas. if we do not receive the proper requaeted tlocirmentatirm In the time specified you may be held responsible for the transaction(s) in question. PSECU must adhere to strict dispute timekarpee set forth by Visa. 15. SIMUR17Y INTEREST - To secure your account, you grains us a purchase 1 money security interest under the Uniform Commercial Code in any goods you pirdtass,through the amount. It you detail[. we will have the right to recowgrany of ` these goods which we have not been paid for through our application of your I paiymerits in the manner d ied In the hlgrhttly Payment sadist. With respect to { this account only, we Will not select airy statutory right we may how, 4 you are in default to prevent withdrawal of your urpledged credit union stares (Deposits) , below the unpaid balance of your account. However, it you give or have given us a specific pledge of your credit union shares (Deposits) by slgltfttg the Pledge of Shares of otherwise. or arty other securely interests fop all your daw your account will be secured by your pledged shares (Deposits) and by the property described in ;. those other security agreements, except for your home. 16. EFFECT OF AGREEMENT - This Agreement is the contract which applies to an transactions on your account even though the sales, cash advance, credit or other dips you sign or receive may contain diferent terms.. We may amend the Agreement from time to time by sending you rite advance written notice required by law. Your use of the card thereafter will indicate your agreement to the amendments. j To the extent true law permits, and we Indicate in our notice; amendments will apply to your existing account balance as Weil as to future transactions. 17. LATE PAYMENT CHARGE - If your Minimum Payment is not reaefved by the i first day of the month fallowing your due date, you win be subject Io a 520 charge. 18. RUSH FEES - You may incur additional charges for rush processing and rush delivery of cards and/or PIN mailer. 19. OVER LIMIT FEE -A g20 fee will be applied for each monthly statement dung date on which the outstanding balance exceeds the assigned credit hmt tt1+ more titan $100. 20. DRAFT COPIES - You may incur an additional charge for transaction summary/sate draft documentation. 21. COPY RECEIVED - You acknowledge receipt of a copy of this Agreement. 22. ILLEGAL TRANSACTIONS PROHIBITED - You agree :cwt you wilt not use },our card for any transaction that is illegal under applicable federal, state, or local law 23-140 USE - Inactive Visa amounts that.Ihave no purchase or cash activity may be closed without notice to you after 18 months of no activity 24. NEURAL NETWORK - PSECU uses neural network systems to predict and prevent unauthorized transactions. !Here may be occasions when a transaction is aeclined because it s indicative of possible fraudulent activity. LOANLINERO Addendum Instructions: This addendum is incorporated into and becomes part of your LOANLINER Credit Agreement. Please keep attached. First Payment: Your first payment is due and payable within 30 days from the date of the loan advance. The Annual Percentage Rates, corresponding daily periodic rates and amount of payment for each loan subaccount are shown below. If there is no payment schedule, the amount and due date of payments will be determined at the time of each advance and disclosed on the Advance Request Voucher, Advance Proceeds Check, or any other loan voucher of receipt, Other charges that may be imposed are clso shown below (i.e., late charges, filing fees, collection costs). All rates are subject to change, Default Rate: The credit union reserves the right to charge the highest unsecured interest rate currently in effect at PSECU. Auto Loan to Value Financing: Rates reflect loan amounts up to 100% of the MSRP, the Kelley Blue Book®'s or other authorized guide's retail value of the vehicle. PSECU will charge an additional percentage point to the current interest rate when financing a vehicle for more than 100% and up to 130% of the retail value. PSECU makes all final decisions regarding vehicle values and proper rate. Loan Subaccount Approx. Percent Present Annual Minimum Payment Description Term in Above Daily Periodic Rate Percentage (For each $100 Months Index Rate or fraction of S 100 of your unpaid amount) Without With APS Without With APS Without With APS Automafic Automatic Automatic Auto Loan (1) Payment Payment Payment New Vehicle Service Service Service $40,000 loan and -ol„e of great,, 120 .00020521 00019836 7.49% 7.24% $1.19 $1.18 $20,000 value or greater 84 .00018466 .00017781 6.74% 6.49% $1.50 $1.49 $ 12,000 valve or g,-nn 72 .00018466 .00017761 6.74% 6.49:6 $1.70 $1,69 S8,000 value or greaer 60 .00017096 D0016411 6.24% 5.99% $1.95 $1.94 $6,000 value or area,, 48 .00017096 00016411 624% 5.99°% $2.36 $2.35 $3,000 gat- or gremu 36 .00017096 00016411 6.24% 5.99% $3.06 $3.05 $3,000 value or yre 1- 24 .00014356 00013671 5.24% 4.99% $4.40 $4,39 Used Veln, es only $40,000 loon anJ ? 1ue o, yeater 120 .00020521 .00019836 7.49°6 7.24% $1.19 $1 18 $20,000.ulue or 9-,e, 84 .00018466 .00017781 6.74% 6.49% . $1.50 $1,49 $12,000 ?olue or 9-oe, 72 .00018466 0001 7781 6 74% 6.49°0 $1.70 $1.69 $8,000 value or greater 60 .00017096 00016411 6.24% 5.99% $1.95 $1.94 $6,000 vol" or grearv, 48 .00017096 00016411 6 24% 5.99% $2.36 $2 35 $3,000 value o, y - 36 .00017096 00016411 6 24'% 5.99% . $3.06 $3,05 $3,000 ,a1oe or yreaiur 24 .00014356 .00013671 524% 4.99% $4.40 $4.39 Recreational Vehicle N-/Used (2) Loon amount $15,000 and up 84 .00024384 8.90°% N/A $1.60 N/A Loan amount $8,000 - 14,999 60 00024384 N,A 8.90% N/A $2.07 N/A Loan amount $5,000 7,999 48 .00024384 N/A 8.90% N/A $2.48 N/A Loan amount $3,000 - 4,999 36 00024384 N/A 8.90% N/A $3.18 N/A IRA Loan (3) 12 2.0 .00008877 N/A 3.24% N/A $8.49 N/A Share Loan (3, 4) Up to$1,000 19 20 .00008877 NIA 3.24% IJ/A $5.41 N/A $1,001 - $4,000 48 2.0 .00008877 N/A 3.24% N/A $2.23 N/A ...er $4A00 (a-,??; ;'„OCJ uN cu 2.0 .00008877 N/A 124% N/A $0.98 N/A to a maximum of IC yem Certificate Loan (3, 4, 5) see d-dasu,es 2.0 see dndosures i see disclosures N/A N/A Personal Service Loao(P5L1(6) 77 .00035342 14/A 12.9% N/A N/A Personal Service up to 65 .0002712 NIA 9 90% N/A tJ/A Signature Loan (PSSL( months Automatic Poymenf-Service (APSI- in order to qualify for the _ n a ..e ;f e isief up, yac mi t selo-ct I,a_h7,e top rSehtda loan payments made via an automatic service: Automatic Transfer Service, Payroll Deduction, Cash (includes secu?` ?E an9 tvice Pelephonel, Wire Transfer, and D reef Payment. If you remove, drscontinue, change or postpone the oulomoUc trans`fEt a+ any-timmdr kr Icran . is setup, your interest rate will immediately be increased by .25% (as of the date of your last payment): for any o0fstd ..fn ra'[7:p.4n, t4je. Ik-pn "?f your interest rote is increased due to any of these reasons your loon payment amount will remo n t°e same h.- +rPek tha+arm art yassr 1 , , extended for the appropriate, amount of qme until nk:infaresi, principal and fees haebeen-paid oc-ord hq + so -Plan . - ??SS`` ll_ PSECO PO. Box 67013, Harrisburg, PA 17106-7013 PSL Minimum Payment Ranges (per thousand portion thereo e# FIRST PAYMENT: Your first payment is due and payable within 30 days from the date of the loan advance. Minimum Monthly Minimum Biweekly Loan Balance at Time of Advance Payment Payment 19,000.01 to 20,000.00 400 200 18,000.01 to 19,000.00 380 190 17,000.01 to 18,000.00 360 180 16,000.01 to 17,000.00 340 170 15,000.01 to 16,000.00 320 160 14,000.01 to 15,000.00 300 150 13,000.01 to 14,000.00 280 140 12,000.01 to 13,000.00 260 130 11,000.01 to 12,000.00 240 120 10,000.01 to 11,000.00 220 110 9,000.01 to 10,000.00 200 100 8,000.01 to 9,000.00 180 90 7,000.01 to 8,000.00 160 80 6,000.01 to 7,000.00 140 70 5,000.01 to 6,000.00 120 60 4,000.01 to 5,000.00 100 50 3,000.01 to 4,000.00 80 40 2,000.01 to 3,000.00 60 30 1,000.01 to 2,000.00 40 20 Up to 1,000.00 20 10 -Personal Service Signature Loan Minimum Monthly Payment: $100 for original balances from $1,000 - $5,000, $200 for original balances from $5,000.01 -$10,000 Visa Disclosures Finance Charge: Finance Charge (interest) is calculated at the monthly periodic rate and corresponding annual percentage rate on the average daily balances of purchases and cash advances as described below: Minimum Payment: The minimum monthly payment will be either (a) 2.0% of your total new balance or $20.00, whichever is greater; or (b) your total new balance if it is less than $20.00, plus (c) any portion of the minimum payment(s) shown on prior statement(s) which remains unpaid. Collection Costs: You promise to pay all fees and costs associated with collecting the amount you owe under this agreement. Such fees shall include, but are not limited to, attorney fees not exceeding 20% of the outstanding loan balance or, fees paid to outside collectors or outside collection agencies, provided the aggregate of such collection fees (not including costs) do not exceed 20% of the outstanding loan balance. Late Charge: You promise to pay a late charge of $20 if your Minimum Payment is not received by the first day of the month following your due dote. Overdraft Option: If you elect to overdraft to your PSECU Visa Credit Card, that election is subject to the existing credit limit, this addendum and the agreement it represents and the current loan policy at the time of the overdraft. You also understand that an overdraft will be considered the some as a cash advance on your PSECU Visa credit card and that the current annual for cash advances will apply. T percentage rate ,,, TELEPHONE 11NIFORNv;T10N AN^v ivu6sfLIiJG ADDRESS: For at(' purposes as referenced in the Visa Credit Card Agreement and Truth in Lending Disclosure, call PSECU of 717.234.8484 in Harrisburg or 800.237.7328 nationwide, or write the Credit Union at: PSECU, PO. Box 67013, Harrisburg, PA 17106-7013. Pennsylvania State Employees Credit Union Form #3100 7107 Credit Life and Credit Disability Insurance (oaeted through cuNA Mutual Insuruace society) CUNA Mutual Insurance Society Credit Life Insurance (cost per $100 of monthly loan balance): Single Credit Life $.070 5910 Mineral Point Road, Joint Credit Life $.123 Madison, Wisconsin 53701 Credit Disability Insurance: The Schedule of Rates shown below are gross balance rates. This means the rates are applied to the sum of the periodic loan payments which remain to be paid on your loan. The rate we use is determined by the projected loan term of your loon (See your loon 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 o 14 day nonretroociive, the rate for the term is ,2950 per $ 100 of gross balance. If the amount of your periodic loon payment is $100, the gross balance of your loan during the first month of your loan is $2,400 (24 x $ 100). Our charge to you for insurance for the first month of your loan term would be $2,400 x .2950 x 0.01 , or $7.08. After you have made your first $ 100 periodic loan payment, the gross balance of your loan would then be $2,300 (23 x $ 100) and our charge to you for your insurance for the second month would be $2,300 x .2950 x 0.01, or $6.79 etc. The charges we actually make to you for your insurance are shown in your periodic statement which you receive from PSECU. Please remember, whenever you add a new advance to your loon, you recast the loan and a new projected loan term is determined according to your loan plan. Please note also that if the amount of your periodic loan payment is greater than the maximum benefit per month shown in the insurance schedule of your certificate of insurance, our charge to you is based on 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 $100 of Coverage Per Month TERM RATE TERM RATE TER 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 0.5372 37 0.2322 67 0.1716 97 0 1442 8 0.5070 38 0.2300 68 0.1700 98 . 0 1438 9 0.4804 39 0.2260 69 0.1695 99 . 0 1428 10 0.4587 40 0.2234 70 0.1681 100 . 0 1422 11 0.4407 41 0.2203 71 0.1667 101 . 0 1418 12 0.4254 42 0.2180 72 0.1658 102 . 0.1411 13 0.4069 43 0.2152 73 0.1645 103 0 1405 14 0.3924 44 0.2125 74 0.1633 104 . 0 1396 15 0.3784 45 0.2099 75 0.1624 105 . 0 1391 16 0.3643 46 0.2074 76 0.1613 106 . 01387 17 0.3548 47 0.2056 77 0.1605 107 0 1379 18 0.3448 48 0.2028 78 0.1593 108 . 0.1375 19 0.3346 49 0.2012 79 0.1583 109 0 1370 20 0.3242 50 0.1985 80 0.1573 110 . 0 1365 21 0.3171 51 0.1966 81 0.1565 111 . 0 1362 22 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 0.2882 55 0.1889 85 0.1530 115 0 1342 26 0.2817 56 0.1878 86 0.1521 116 . 0 1336 27 0.2759 57 0,1858 87 0.1514 1,17 . 0 1333 28 0.2713 58 0.1837 88 0.1507 118 . 0 1327 29 0.2670 59 0.1828 89 0.1498 119 . 0 1320 30 0.2614 60 0.1809 90 0.1493 120 . 0.1316 Loan Disclosures I Late Charge: If you are more than 15 days late in making a payment, you will pay a late charge j equal to five percent of the scheduled payment. Collection Costs: You promise to pay all fees and costs associated with collecting the amount you owe under this agreement. Such fees shall include, but are not limited to, attorney fees not exceeding 1 20% of the outstanding loan balance or, fees paid to outside collectors or outside collection agen- cies, provided the aggregate of such collection fees (not including costs) do not exceed 20% of the outstanding loan bolance. (1) At the current interest rate, PSECU will finance up to 100% of the Manufacturer's Suggested Retail Price (MSRP) of a new, current model year vehicle (untitled); up to 100% of the retail value of a new, i prior-year vehicle (untitled); or up to 100% of the retail value of a used motor vehicle (titled.) At the current interest rate plus one percentage point, PSECU will finance over 100% and up tol 30% of the MSRP of a new, current model year vehicle (untitled); over 100% and up to 130% of the retail value of a new, prior-year vehicle (untitled); or over 100% and up to 130% of the retail value of a used motor vehicle (titled). Maximum financing fora member-owned vehicle or refinancing on existing I PSECU loan is 100% of the retail value. { For used and prior-year new vehicles, PSECU consults the Kelley Blue Book® (registered trademark of Kelley Blue Book, Co., Inc.) or other authorized guides to determine value. Vehicle loans cannot be used to purchase commercial, theft, salvaged or flood titled vehicles. The vehicle must be titled to the Borrower, Co-Borrower or both. The registered owner on the Certificate of Title may not be a business, corporation or trust entity. Vehicles must have a minimum value of $3,000 and must be titled in the U.S. and may not be taken out of the U.S. (2) PSECU will fincnce up to 90 percent of the retail value of a new (untitled, current model year) recreational vehicle. Used (titled) recreational vehicles may be financed up to 90 percent of the used retail value. The Kelley Blue Book® or other authorized guides will be used to determine the recre- ational vehicle's retail value. PSECU's minimum RV loan is $3,000. Your RV must have a minimum retail value of $3,::33. (3) The Annual Percentage Rate (APR) for share secured and IRA advances will be the dividend rate being paid on regular shares (Index) on the date of the advance plus the percentage shown in the "Percent Above Index" column. If there is on existing balance on the date of the new advance, the existing balance will be added to the new advance and the entire balance will be at the new APR. The rates are subject to change to reflect any change in the index. Any increase in the APR will take I the form of more payments of the some amount until what you owe has been repaid. Loan rates on Certificate and IRA loans will not fluctuate during the course of the loan. (4) Shares or certificates pledged must be owned by the Borrower or Co-Borrower unless the Share or Certificate owner authorizes the pledge in writing. (5) PSECI I will grant loan- secured by Share Certificates Maximum financin g is 90% of the Certifi- cate pledged. The Annual Percentage Rate (APR) for Certificate loans secured by multiple certificates will be based on the certificate earning the greater dividend. The term for Certificate loans secured by multiple certificates will be limited to the longest term remaining among them. Early withdrawal of the unsecured portion is not permitted and the loan balance will be due in full if the Certificate is withdrawn prior to maturity. Monthly dividends are paid into the Certificate. At maturity, you authorize PSECU to redeem the Certificate to pay any remaining loan balance. Funds remaining offer repayment of the loon will be deposited to Regular Shares if you do not contact PSECU on or before the maturity date. Automntir renewnl of the Certificate pledged cannot occur until she loan balance is paid in --ull. (6) If you have been approved for credit under this account, you will be given a specific credit limit. This credit union is federally insured by the National Credit Union Administration. Equal Opportunity Lender EXHIBIT "C" In-House Copy ADVANCE PROCEEDS VOUCHER AND SECURITY AGREEMENT 6/ Pennsylvania State Employees Credit Union R O. Box 67013 Harrisburg, PA 17106-7013 PSECO, 717234.8484 800.237.7328 MEMBER NAME DAVID J KEPNER 40 E LOCUST STREET /3/2010 M8 A?,I" Q 9/L 12 V ` 09641M 10 7 0?- MECHANICSBURG, PA 17055-3838 PURPOSE: AutoCheck Refinance TRANSACTION TYPE 1. [] NEW LOAN 2 ? END LOANEN OPADVANCE 3 a OTHER (DESCRIBE) 4. ? H0.10 EQUITY ADVANCE NOU HAVE PREVIOUSLY ELECTED TO HAVE THIS ADVANCE INSURED WITH THE FOLLOWING COVERAGE CREDIT DISABILITY YES ? NO SINGLE CREW LIFr%r YES ? In WEDIT LIFE ? b NO YES No DAILY ((014ANGSPEMODID PAM IN 7EPAIS ONLY) NNUAL PER- CENTAGE RATE NTEREST RATE IS AMOUNT F QUESTED + OTHER CHARGES NTAOVAI ADVANCED PREVIOUS BALANCE EW BAANCE .0136712 4. 990 % FIXED VARIABLE 8,500.00 :'(Jt Qxf 0.00 = 8,500.00 160.33 ! 03/02/2010 Monthlyv I '.tuatu JUAN TERM IFTHISliAhdI0 EST Q 110VANCE THE Olflf YSt URITY FOR THIS gOVANCE 1R THE REAL PROPERTY (IN MOST cpisES YCxJR HOME) yV}{I,r{ YOGI agvl AS SECURITY WHEN YUUR ACCOUNT IF THIS IS NOTAHOME EQUITY ADVANCE, IN ADDITION TO THE PLEDGE OF SHARES IN YOUR L OANLINEW CREDIT AGREEMENT THE FOLLOWING P . . ROPERTY SECURES THIS ADVANCE. REM PROPERTY VUE, MODEL- .YEW r ^;r :'. TYPE:- 1 TOYOTA RUNNER 1999 JT3HN86R2XO225611 Sw 10,065.00 2 I 4. OTHER 7 YOU PLEDGE SHIRES ANWOR DEPOSITS OF $ IN ACCOUNT NUMBER OLD 8 1 (A) PAYOFF RINC.+ In) 6, 933.01' OLD ACCOUNT/LOAN NUMBER (B PAYOFF (PRINO. + INL) OLO ACOOUNTA.OAN NUMBER (C) PAYOFF wRINC.+ INT.) OLD ACCO1UNTA.OAN NUMBER (D) PAYOFF (PRINC + MIl OLD ACCOUNTA.OAN NUMBER PAYOFF (PRINO.+ LYT:) OLD ACCOUNTA.OAN NUMBER (F) PAYOFF (PFU . + rM try accepting me proceeds or by using the funds advanced and deposited into your share/share draft account, you agree (1) that the property referenced above Will secure the advance and any other advances you have now or receive In the future under the LOANLINEW 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. QM 1AUTUAL SROUft 19W 8Z 84, 88, M 98.99.20M 01.04.06. ALL RIGHTS RESERWO o?.. ? ,.,.. ,. ??.r --- ----- - ------ - - - .._.......?- mow..-t uniww m-Affil?a JVJVCUt00.1 037-2092-1 (R/06) PSEI# P.p. Bar B7r113 r J urW R0. 17106-7013 0 1717) 234-8484??t^tarrfaW19. MOtV 237-7325 Af&ftbmufds This LoANLU+IE#is Credit and Security Awsafttwtt, which #tdtidtia the Toth in i# LEtnWq Dk doafrni wit be teierredto as lice Plat. The Pi an dotxlmarrte sickide this agreernavi end an *41tor dxn. You, yourwW harrower moon atly person who signs the Plan. Cried* uinfoa, as, our and us mean PSEC J or anyone to whom the Coedit Union transloat its tights under the Plan. ? grit TM Putty WORKS - This is an open-etxf. tttttltl featured trait plan. we ardiaipatie that. rm time to time, you wtG borrow money (cow 'aovaralloar) under i the Plan. We ails not required to make advances to you under the Pliaa sgl can melees a request for an advance at any time. The Addendum describes the ditf cam types of credit (called',ubaccounts") available undw the Watt, the current interest rate for each subaccount expressed as a deity periodic rate and corresponding annual percentage rate and other charges. It may also have other terms and a schedule for determining the payment amounts. CREDIT LIMIT - We may, but do not have to, establish a credit Nmit on certain subactmmts. If a credit Ifirmft is set for a subaccount. you promo" not to exceed the 1 est llshed credit firmt. If you exceed the credit firnN, you promise to repay karoodaliely, the amount which exceeds the credit lintft. i REPAYMENT - You promise to repay aft amounts you owe under the Plan plus k interest, Payments are due on the last day of the month unless we set a ditrerd day at the time of an advance. If the Addendum has no payment schWule ktr a subsowunt, your payment will be determined at the time of each advaance. Payments must include any amount past due and any amount by which you trove exceeded any credit limit you have been given for a subaocoant YOU may repay all i or pert of what YOU owe at any time without any prepsymortt penalty. Even if you f prepay, you wal stn be required to make the regularly schedtdod payments union j we agree in writing to a change in the payment sanedule. If you have a pint j haft account, you will be responsible for paying all overdraft advances y obtained by a joint holder of the sharedraft account. Unless otherwise required by lair, payments will be applied to amounts owed under the Plan, in Vino manner the Credit Union chooses. ( PLAN ACCESS --You can obtain credit advances in any marvter authorized ty Em It we allow you to use your ATM1Debd card to access the Wan, you may be tram for Mile j unauthioraed use of your ATMfOebt card. You will not be ItWe br unauthorked use Mat a curs after you noiNy us, orally or in writing, of the loss, ihett, or possible i unauthor$ed use. If you believe your ATM/DoW card has been lost or sklten, immediately adorm the Credit Uruon by calling or wriditlg us at the taleptioro nundDer or address that appears elsewhere in the Plan. N the card is used to obtain wit uthfnrized advances directly from the Plan, your kablfrty, will not exceed $50. If the unaulh mad withdrawal is from a sharedraft account, your bob" is governed by We Regulation E disclosures you received at the time you received your ATM/Debit card, even N the withdrawal results in an advance being made from your overdtaff subacoount FINANCE CHARGE - The dollar amount you pay for money borrowed is called a "fi tanco cnarge" and begins on the date of each advance. A finance charge will be computed separately for each separate balance under the Plan. To compute the finance charge. the unpaid balance for each day since your last payment (or since an advance it you have not yet made a payment) is multiplied by the applicable daily periodic rate. The sum of these amounts is the finance charge owed. The balance used to compute the finance charge is the unpaid balance each day after payments and credits to shat balance have beer. subtracted and any additions to the balance have been made. In addition to interest. we may charge olher finance charges which are disclosed on me Addendum. it the interest rate is a variable interest rate, the Addendum explains how the variatie interest rate works. SECURITY - You pledge as security for the Plan all shares and dividends and it amv, all deposi;s and interest in ai; jant and ndrvcluaf accounts you have with us now and in me future. t! a soectlic doi-at amount is pledged for an advance, we will freeze steares •r, that account to the extent of the cwistanoing balance for the advance. Otherwise, Your Wedged shares may be withdrawn unless you are in default . The following paragraph applies in all states except in Ohio, Rhode Island and Massachusetts: We have a stamutorit hen en the shares and dividends and, if any, lie deposits and interest in all indmaua! and joint accounts you have with us and may exercise o,.r r?;hts undrir the lie- to the extent permitted by state law. (We are state charterer it Our name does not inc:uoe the term `Federal Credit Unman:) For all borrowers: The statutory lien and/or your pledge will allow us to apply the funds in your account(s) to what you owe when you are in default. The statutory ilea and your pledge do not aapry to any Inoro?duai Retirement Account or any other account trial would !ose special tax treatment under slate or federal taw it given as securty. Aaditionai security for tha Pfan may be required at The time of an advance. It a { subaccaunt '.dem.fies a type of property {such as `New Cars") you must give that typo of property as security caner. you gel an advance under that subaccount. A subaccount name such as `Other Secured" means you must provide srkcum acceptrih4e to us when y.?u obtain an advance under that suoaccount. Property you give as security will secure all amounts owed under the Plan and all other loans you ± nnve wi V..j_ --- . ,r.? rUtur ;Ii-,v i,an sf r, owed by your prtncinal meiiina Prepeny sec,ring oit,c r 'oa ns f )L- . r-an ;;s may aiso secure ine Pian. .-6tiRV,_ ;L -4, _..,r MEW I AIDE -• Credit we andfar corm disamoty Irisurance is optitinni. under fhe Plan. 1< you quaNfy+ for and purchase this in itfranoe from us, you author ize us to add the itteurance prolinfumrs monthly to Ye feast balance and ollame, you Umtereat on the antics balance, tf you elect credit trnattrarmoe, your paymecitifs magi increase or the period of time necessary to ropey your advance may be etdernded, ',me credit insurance rates may change during ft Piah. tribe rates charge; we will ' provide, any notices required by applicable law, PERIODIC SYATEMENT -On a regular basis you wd receive a statement showing as transactions under the Plan during the period covered by ate statement. 1 Statements and notices will be sent to you at the most recent address you have given us in writing. Unless applicable law requires notice to each joint borrower, j notice to any one of you will be notice to all. JOINT ACCOUNTS - if this Is a joint account, each of you is lm tvtdualty and lo" i responsible for paying all amounts oared. That charts we can antbrae air' rights tinder the Plan against arty one of you individually or a0shist aft of you together. N you give us inconsistent Instructions, we can refuse to follow yaw instructions. Union air written poky requires all of you to sign lo an advahav, atei t of you sutftorizes the obtar(s) to obtain advances fly artd'ap"a to repray advances made to ate oth0s): Any joint accountholder may terminate the Plan by giving its prior written tak*. It any of you terminate the Part, the Pl rt is terminatetf for aft of you. You j remain liable itxLwdraay, and jointly for on advances incurred before tarmination. S FEES AND CHARGES - it t yrou give u4 a tiaottriiyt 4filiereet in cartaw was of prop", we may charge you a filing too to petted our interred in the property.' If we 1 do, the amount of the fee will be disclosed io,you W the acne you oboe an advance. t We may also charge you otherfires In coots hon v*h OW titan. Our current tees are dbx$oaed on the Addendum and will be added to your loan balanoe unless you pay them In cash, UPDATING CREDIT INFORMATION - You promise tha you will promptly M us written notice N you move, change your name or employment, or if any other information you provided to us of s. Upon our request, you also agree to provide us updated financial inkfirmatton. DEFAULT -Tina ttXlwtdrrA Paregraptt cooties to borrowers In khrho, K was, i Maine and SDVth Carotlrw^ You will be m default if you do not matte a payment of the amount requited when it is due. You will also be to defeuk it we believe the prospect of payment, performance, or realtzation on any property, given as security is significantly impaired. The /W/orvrng paragraph appig" only, to borrowers hr lWleopnaki: You will be in j detauft it you tail to make a payment when due two times during any 12 month i period. You will be in default N breaking any promise made under the Plan materially t impairs your ability to repay what you owe or materially impairs the condition, value, or protection of or our right in any property you gave as security. The following paragraph applies only to borrowers in Iowa: You win be in default if you are more than 10 days late in making a payment You will also be in default if you do not comply with the terms of the Wan and your failure to comply materially impairs any property you gave as security or your ability to repay what you owe under the Plan_ The following paragraph applies to borrowers to all other states: You will be in default it you do not make a payment of the amount required when it is due. You will be in default If you break any promise you made under the Plan or it anyone is in defauit under any security agreement made in connection with an advance under i the Plan. You will be in default if you die, file for bankruptcy, become insolvent, if you make any false or misleading statements in any credit application or update of credit information, or if something happens we believe may substantially reduce your ability to repay what you awe. You will be in default if any property you have given us as security is repossessed by someone else, seized under a forfeiture or similar law, or if anything else happens that significantly affects the value of the property or our security interest in it. You will also be in default under the Plan it you are in default under any other loan agreement with us. ACTIONS AFTER DEFAULT - The following paragraph applies to borrowers In Colorado. District of Columbia, Iowa, Kansas, Mains, Massachusetts, Missouri. Nebraska. South Carolina and Wsat Virginia; When you are in default and after i expiration of any right you have under applicable state law to cure your default, we can demand immediate payment of the entire unpaid baiance under the Plan w shout giving you advance notice. The following paragraph applies to borrowers in all other states except Wisconsin and Louisiana: When you are in default, we can require immediate payment (acceleration) of the entire unpaid balance under the Plan. You waive any right you have to demand for payment, notice of intent to accelerate and notice of acceieraton The following paragraphs apply to borrowers in all states except Wisconsin and Louisiana: If immediate payment is demanded. you will continue to pay interest until v:nat you owe, has been repaid at the apphcabie interest rates in effect or. if apphcable- nSr.?S'.. EC?J FOR-1 -3146 < G?$ go ozm?m?no m PLO a` or $ m n? o2m?ro Rm Lf' ??F -0 If - M?- $ it a, f I X27 a remw mmqq ?? - $ ? oS-4, 34 g a? if I an i Ig till If j I, 11p I i , '] Q U11111 9- a 0 Rs Ir fill III 3 m let? QR 1 CHI 9.1 meow n ^w' ?1zro3 n.,w m»H mm,n3 m ? 8 b ?"' ? ono s d i 2?.? 7. 3 'p`gg c??? ? •? 7 7 07 eD O N -• - ? ?D » zJ 7 ' S C ? ? 9 Yi G ? ? O Q ? S C? - ? r: 7 `J ? ?C .T? m pr B I -° -ffi ss a sill le. 1 ?. m 7 a N ro i S M m 9. C D i'1 < 7 j' G g ?F 3 a?j CL ?mm? R 9 i?3 ?5 fill P [a 02114 g g 3 I i ?R?g?? $ d . S ? g ?? 1 -Tt E ill I A [to t ? m 2' I ? m u ?Q S g 6 Rl }? ? 3 C g C C a 1 ??3?qp? Va+E ? ? ?m??.g ? ?`?: ?c U 4 b? o m?"L' Ui$N ??G ?_' ® . ?, oqj a tj v I ?$ 8 J3 E` ? ?_ ?? ? ?? ?, mil ao- . ,? c ofd J$ `' c? UQE?? $ ? ?D?ppNOojiLL oo ky?.' C yLaU YUmNQ1CF?N?.L rfOYA C C 4?U QL? ltiger"'CIP00 geg 4001dinnint' and nWh 1n LV"ft ?f?e {anrrNrro.7 1 T. FlliAliTifZg -.You can avoid the Firumoa Charge cat puwAasss by Psgtetg Uhs fa a13XrA* Of V* how SRWP 0 of Purahaaae each Month within 25 days d yow txalialin tq cloaing data O?herwift the Nano eal rioe of Purdwoes, and itte suhsemse nt putchaaae front t#w date they are postedto your account; win be al6100 to Finance Ravage. Cast advances are atwsys subject to Finance Charge from the dote they are passed to your aooount. P4UChMMM Vital zo*XAafe your finance charge by rmtitipty4tg the average adjusted i sltDy battaloe (see allplarradon below), rhcFrdirig new purdwsee, for Via balig cycle l by! the MOMWPOiNk purstlme rate and carreePDCdIIV It4lMlltAL PERCENTAGE RM as disclosed On the Addermllum. Celeh Advenoas: We cab uAat* vow finance charge on cash adveittcers by below) for cash ad mime da" hire Wing eyeia fly ill" »gnllMr periodic edrertaerrate and coavoilan(fingA 11`011 i?t+?Tit CJE RASE as disclosed on the Addendum. Avtl"o DANy aslerVe for Pwohasss - The Average Daily Matinee lax Purchase Treats is calculated by adding the Ebony Balances (Purchase Thirnssclion) for ! eaWrdeyy in rse billing cycle. and than dkfidtitg by the number of dpys in the biting cysts '1) tat oulate the oaily Balance, for pwrichaass ouch dux, we wo 6ha bwt*v I Maps: We taw M otrttdandit,lg,baisgrtQ.(at sphoctrhts you bvrs) at the start of the day. Then, in the ssttuasce fit Vlidh &VOW is M posted to yoex aococnt, we add the accounts of at dilbks and subtract to amounts of all r9Nbdlfe or peymevtm vNtich Piet in youq aaaairA' that dAiy- After applying pahppatiWa 4ad t>t we subtilett fire ( a mwitii dfro ' uspekf Fkaricacharign or tats t;ItetYpftas Thartinto alaaa an0alact the ! amount d attt?r tYalta Ada'srrva L?prltafi0hb thaklFtasttlta7a,ytpur gdDOttrrt err 1M4i'day or Frtttaypteukkafty in the bilirrrg cycle-This gtree tiq"Da{ty Balance for purdiaaea. AU SAW Dry Sri - far Cash Adiummats - gash lWwlrga Isnrarttore whilah: ore Posted to your sooeura are not ttti8dsd in atat*Am":,Ck* Belawce wiatieNorr ter ptavieosa, mod as therefore rat t tta ft ir- p sdotiG,100 tot purchases. The 1 Average Dolly 8"" is calaaletelf sepoalt Wino t"*A iftf lances arltl is stdtjebt to the CashA&VicsMocIMPIshoc cRella,TheAuerage0*fefrttsrpaWCashtcuteacdons is WhoubiledbyralAdirtq rite Deily Balanoea ftsr'llianaftidort) for each day In the bWAg a l de. Width- dividing by the nutter oft days in the ti1Ni{ cycle. To C kuk to the Daily etiltnCefaxcash oath dNAV* 11"OWIdIDirtrtg0eW wtgWOtheotflatandF?gbalance (ant amourds you cnae) at the scan of the day. Than, in the sequence in which amounts are possetf to youtacooiart ere 4W *0 SIACK8118 of as deiWnt and anabitract the arhelxes of at credits or payments wthktt past to your account tmi day After, eppiyktg payments aril oredr'e, we aft*1 this amount of arty unpaid Fi a ntoe Charges or Late Charges - Then we also sutiaact to amount at any PUrctli ere Transactions that poetad to your account nth that day or in arty previous day In the billing cycle, This gives us fate Daily Balance for Cast, Adirmnee Transaaoiorts, tote: Cash) Advances are always, subject to ft*Wxt ctwir!yes sad from the d" t<iayt ate posse[ to your account Payments are applied in the following manner; first to previous late fees, then to Previous Bash eduangas finance Changes, then to previous purchase finance rte, then to current tale fees, titan 10.Pre AMM cash advance balances, then to previous Purchase belerices in the order thattley hvete posted to your account, then to current cash advance balances, and'than to currant purchase baleACes. Credits are applied first to Che particular type of debt which is being credited, it any, and then to the tsrtarhm of your account. Note also that if this total of the payments and credits which are pasted td your account by the Payment Due Date shown on a statement is equal to or exceeds the New Balance shown on that statement, ws will not apply the monthly periodic Rate to your Account on your next statement. 8. DEFAULT -You will be in default tf you lap to make any Wt. num Payment wfiftin 25 days after your monthly statement closing date. You authorize eras to transfer funds stRriciatn to make the minimum payment due it your Visa loan is in debtrft. Ybu Viii also be in default if your ability to (Spay us is matesfafiy reduced by a ch"ge in your emPicymaM, an increase in your ob igabon% ban>krtnplny or insdvency proceedings involving you, your death or your failure to abide by this Agreement, or 9 the value of our security interest materially declines. We have the right to demand immediate payment of your hull account balance if you delaufl, subject to our giving you any notice required by law. To the extent permitted by law, you will also be required to pay our collection expenses, including court costs and reasonable attorney fees. 9. USING THE CARD - To make a purchase or cash advance, there are two alternative procedures to be followed. One ;s for You to present the card to a participating Visa plan merchant, or another financial institution, and sign the sales or cash advance draft which wig be ampnnted with your carrot. The other is to comptete the transaction by using your Personal Identification Number (PIN) in conjunct?or, with the card in an Automated Teller machine or other type of cleclronic terminal that provides access to the Visa svstom. You agree that you will non use your card for anv transaction tnat as illegal •.rndof applicable federal. state, or local law The monthhy statement will identify the merchant, electronic terminal or financial institution at which transactions were made. out sale, cash advance, credit or other slips cannot be. returned with the statement. You will retain a coptr of such mlps fu rrt shed at the firm of this transaction In order to verify the monthly tstaiiement. The gram Union may make it reasonable charge for photocopies of slips you may regnst. 10. OVEPAWAFT 0PT*N It you elect to overdraft to your PSEC'U Visa Cm* Card, that election Is subject to 00 aidatlrg credit Barra shad ate agreeth ent It napreaertt8 and the current ban polloy at fie fine of the overdraft. You also understand that an overtJtaft will be consideredfhe same as a cash advance on your PSECU Visa Credit Card and that the anent Annulat PermAege Rate for cash advances *A aptly. 11. RET11R'1S-AND ADJUSTWNTS- Matmhants mid others who honor the card may give eretHt for folu irta and adlu9tmerls, and tang will do so by sondir g us a crwg slip which we will post to your Visa Irhe of coedit, if your credit and payntaats exceed in hat you Ow8' us. we will automatically post the excess rrodit beftlihce to your 91 'Shares within 75 days. If the balar" is one dosar or mom, upon your written request we will refund the credit balance to you. 12. FOROGN TRANSACf1C M - The it rcha ge fate betrwean the trarnwtim ctttrency end the billing currency used for Preositeinp international transactions is a rate sidecled by Vasa from the range of roue aMaWable in whOlesW currency martmts for d1$ aippric" cer" Pcocassm dale. which too may vary from the rate Visa itself rar efilo$, ora governmant-marndsted raga kh affect forttw..t4 ODetrie..cer" procssaing dale. in each inane at.. an, adjustmertt maybe assessedbe"d on the fSA tee imposerl by Visa. This fee, which tomals 1% of the traneeafon ant"it. will be assessed on all 11aISSIC111 s where tie irera;hent country. dtlar8 Fora Ste country olthe caad t8suar. 18, SPLICIAL Rift.ES FOR VISA PUIRCHPA S - if you disagree or find an error with °a Visalransactiorn• arid have tried in good WO to correct the Problem with me merchant or 0116 charges are the raeudt-of urhoaxed or fraudulent use, or your purchwe cost more than SW and has lwad@ from a plain merchant In your state within 100 miles of your home, contact P CU. 14. 016Pf3 WTVJOWACTfCM -- Yoru are requred W noity PSE.Gt in *ai" Wthin.W dRlac fo9oleirKj the dJ*4Dn>Ahiclt weaN[Gyaaar rnstrHwhsrwn thaerrer or problem first appeared regt minig any dfsorrsPmtpy or tKala+NlCrisad IrafremtlOrs on your account: Tefliyhoning PSiET:U does not proserve yWx d1eppt6 ftIA . You may be requited to Provide us v ft so sayipp)tt your dispute claims. In addition, you r be required to comphift a awirhdaii elspOle form outonbig the detaft of your dopute. in cages of frauduierd card use, PSECU wA{ also aKit" a notarized affidavit- In some Cases wis may ask you to notify the total authontiea. If we do not receive Ste Proper requested dowaisrttadon in the fire s spedQed°you may be held responsible for the transapfion(s) in quaspon: PSECU must adhere to strict dispute tFnsframes set forth by Visa. 15. SECURITY iNTEBREST - To secure youratsapunt, you gram us a purchase money security interest under the Undorm Commercial Code in any goods you Purchase through the account. 9 you detauk, we Will how the fight W recover any of these goods which we haw not been paid fax itwought our moos of your payments in the manner gesaibed in the IgA7rttdy Pagln iw wagon- With respect to this account only, we will not assert any stattrtary right we may have o you am in default to prevent withdrawal of your urtpledged credit union shams (Deposits) below the unpaid balance of yaw account However, if you give or have given us. a specific pledge of your credit union shares (Deposits) by signing the Pledge of Shares or otherwise, or any otha r security "here" for all your debts, your avootam will be secured by your pledged shares (Deposits) aid by the property described in those other security agreements, except for yout harts. 16. EFFECT OF AGREEMENT - This Agreement is the contract which applies to ail transactions on your account even though the sales, cash advance, credit or other slips you sign or receive may amain dNfiara d terms. We may amend the i Agreement from time to time by sending you the advance written roues rrotwafred by taw. Your use of the card thereafter will indicate your agreement to the amendments. To the extent the law permas, and we utdbat , in our notice, amendments will apply to your existing account balance as woo as to future transactions. I 17. LATE PAYMENT CHARGE If your Minimum Payment is not rtrceivred by the first day of the month following your due date, you will be subject to a $20 charge. 18. RUSH FEES - You may Incur additional charges for rush processing and rush delivery of cards anduor PIN mailer. 19. OVER LIMIT FEE - A $20 tea wig be app fW for each monthly statement dosxtg date ! on which the outstancing, balance exceed ltte assigned credit Ymk try more than S100. 20. DRAFT COP4EES - You may incur an additional charge for transaction summarylsaie draft documentation. 21. COPY RECEIVED - You acknowledge receipt of a copy of this Agreement 22. ILLEGAL TRANSACTIONS PROHIBITED - You agree that you wig not use your card for arty transaction that is illegal under applicable federal. state, or local law. 23. NO USE - Inactive Visa accourus that nave no purchase or cash activity may be closed without notice to you after 18 months of no activity, 24. NEURAL NETWORK - PSECtJ uses neural network systems to predict and prevent unauthorized transactions. There may be occasions when a transaction is declined hecause it is indicative of possible fraudulent actIv i,,. LOANLINERO Addendum Instructions: Thi, nddendum is incorporated into and becomes part of your LOANLINER Credit Agreement. Please keep attached. First Payment: Your first payment is due and payable within 30 days from the date of the loan advance. The Annual Perce Cage Rates, corresponding daily periodic rates and amount of payment for each loan subaccount are shown below, If there is no payment schedule, the amount and due date of payments will be determined at the time of each advance and disclosed on the Advance Request Voucher, Advance Proceeds Check, or any other loan voucher or receipt, Other charges that may be imposed ore clso shown below (re., late charges, filing fees, collection costs). All rates are subject to change. Default Rate: The credit union reserves the right to charge the highest unsecured interest rate currently in effect at PSECU. Auto Loan to Value Financing: Rates reflect loan amounts up to 100% of the MSRP, the Kelley Blue Bockg's or other authorized guide's retail value of the vehicle. PSECU will charge an additional percentage point to the current interest rate when financing a vehicle for more than 100% and up to 130% of the retail value. PSECU makes all final decisions regarding vehicle values and proper rate. Loan Subaccount Approx. Percent Present Annual Minimum Payment Description Term in Above Daily Periodic Rate Percentage (For each S100 Months Index Rate or froction of $100 of your unpaid amount) Without With APS Without With APS Without With APS Automatic Automatic Automatic Auto Loan (1) Payment Payment Payment New vehicle Service Service Service $40,000 loon and value or greater 120 .00020521 .00019836 7.49% 7.24% 19 $1 $1 18 $20.000 value or great., 512 000 valu r 84 .00018466 .00017781 6.74% 6.49% . . $1.50 61.49 , e o, grea e, 72 .00018466 .00017781 6.74% 6.49% $1.70 $1.69 $8,000•+alae or greater $6 000 l 60 .00017096 .00016411 6.24% 5.99% $1.95 $1.94 , va ue a, gn,,-, $3 000 v l 48 .00017096 00016411 6.24% 5.99% $2.36 $2.35 , a ue or greater 36 .00017096 .00016411 6.24% 5.99% $3.06 $3.05 $3,000 valve o, grease, 24 .00014356 .00013671 5.24% 4.99% $4.40 $4.39 Used Vehicles Only $40,000 loan and •.al„e o, greater 120 .00020521 .00019836 7.49% 7.24% $1 19 $1 18 $20,000 value or greater $12 000 + l 84 .00018466 .00017781 6.74% 6.49% . . $1.50 $1.49 , o ae or g.enrer $8 000 •.a1 72 .00018466 .00017781 6.74% 6.49% $1.70 $1.69 , ue or g,e-, $6 000 -lue r t 60 .00017096 .00016411 6.24% 5.99% $1.95 $1 94 , grea o ., $3 000 value t 48 .0001 7096 00016411 6.24% 5.99% $2.36 $2.35 , a, grea er $3 000 value 36 .00017096 .00016411 6.24% 5.99% $3.06 $3.05 , or greme, 24 .00014356 .00013671 5.24% 4.99% $4.40 $4.39 Recreational vahide r4-/Used (2) Loan amount b15,00ti and up 84 .00024384 8.90°o N/A $1 60 N/A Loan amount $8,000 14,999 60 .00024384 NIA 8.90% N/A . $2.07 N/A Loon amount $5,000 7,999 48 .00024384 tl/A 8.90% N/A $2 48 N/A Loan amount $3.000 4,999 36 .00024384 N/A 8.90°s N/A . $3.18 N/A IRA Loan (3) 12 2.0 .00008877 N/A 124% N/A $8.49 N/A Share Loan (3, 4) Up to $1,000 19 2.0 .00008877 N/A 3.24% N/A $5 41 N/A $1,001 • $4,000 48 2.0 .00008877 N/A 3.24% N/A . $2 23 N/A 0- $4,000 (0,e y u, ; ; Lcco vp 20 2,0 .00008877 N/A 3 24% N/A . 60.98 N/A ,.amen umollcyeo:, Certificate Loan (3, 4, 5) ee d.scl,n-s 2.0 ee disdosuree N/A see dimlosores N/A N/A Personal Service Loon(PSL)(6) 77 00035342 NIA 12.9% N/A N/A Personal Service up to 65 0002712 1 9.90% N/A N/A Signature Loan (PSSL) months Automatic Payment 5ervice,(A_P51 I^ order to yuallfy for the 25% reduction, at the time the k J7 t N- you -'t n to rv w. br-v_eh 4'e -loon payments made via on automaticserwce. Automatic Transfer Service, Payroll Deduction. Clt' 1 -I :e;'psta.(`hpmbE acre _. lf?gp`?v3F TelePhone), Wire ironsier, and Direct. Payment. If youmemove, discontinue, change or postpone the;automofic iFgn,(er at oRy Bmaaffer y , -i'on is setup, your interest rate will immediately be increased by .25% (as of the date of your last payment) for any outstat,d'ng bo anCe-FSr thrit:Jir: It your interest rote.is increased: due to any of, these reosons, your loon payment amounl will remain the some; howeveohe temri your lo6t4ily' 46e exfeh?ed for the appropriate amount of time unit allTInterest, principal, and fees have been paid according to u} Pion _ ..--. _n_ PSE0 PO. Box 67013, Harrisburg, PA 17106-7013 PSL Minimum Payment Ranges ( per thousand p ortion thereo ee FIRST PAYMENT: Your first payment is due and payable within 30 days from the date of the loan advance. Minimum Monthly Minimum Biweekly Loan Balance at Time of Advance Payment Payment 19,000.01 to 20,000.00 400 200 18,000.01 to 19,000.00 380 190 17,000.01 to 18,000.00 360 180 16,000.01 to 17,000.00 340 170 15,000.01 to 16,000.00 320 160 14,000.01 to 15,000.00 300 150 13,000.01 to 14,000.00 280 140 12,000.01 to 13,000.00 260 130 11,000.01 to 12,000.00 240 120 10,000.01 to 11,000.00 220 110 9,000.01 to 10,000.00 200 100 8,000.01 to 9,000.00 180 90 7,000.01 to 8,000.00 160 80 6,000.01 to 7,000.00 140 70 5,000.01 to 6,000,00 120 60 4,000.01 to 5,000.00 100 50 3,000.01 to 4,000.00 80 40 2,000.01 to 3,000.00 60 30 1,000.01 to 2,000.00 40 20 Up tol,000.00 20 10 '"Personal Service Signature Loan Minimum Monthly Payment: $100 for original balances from $ 1,000 - $5,000, $200 for original balances from $5,000.01 -$10,000 Visa Disclosures Finance Charge: Finance Charge (interest) is calculated at the monthly periodic rate and corresponding annual percentage rate on the average daily balances of purchases and cash advances as described below: Minimum Payment: The minimum monthly payment will be either (a) 2.0% of your total new balance or $20.00, whichever is greater; or (b) your total new balance if it is less than $20.00, plus (c) any portion of the minimum payment(s) shown on prior statement(s) which remains unpaid. Collection Costs: You promise to pay all fees and costs associated with collecting the amount you owe under this agreement. Such fees shall include, but are not limited to, attorney fees not exceeding 20% of the outstanding loan balance or, fees paid to outside collectors or outside collection agencies, provided the aggregate of such collection fees (not including costs) do not exceed 20% of the outstanding loon balance. Late Charge: You promise to pay a late charge of $20 if your Minimum Payment is not received by the first day of the month following your due date. Overdraft Option: If you elect to overdraft to your PSECU Visa Credit Card, that election is subject to the existing credit limit, this addendum and the agreement it represents and the current loan policy at the time of the overdraft. You also understand that an overdraft will be considered the some as a cash advance on your PSECU Visa credit card and that the current annual percentage rule for cosh advances will apply. TELEPHONE INFORMAI ION AND MAILING ADDRESS: For all purposes as referenced in the Visa Credit Card Agreement and Truth in Lending Disclosure, call PSECU at 717.234.8484 in Harrisburg or 800.237.7328 nationwide, or write the Credit Union at: PSECU, P.O. Box 67013, Harrisburg, PA 17106-7013. Pen-itivania State Employees Credit Union form #3100 7/07 Credit Life and Credit Disability Insurance (offered through cu NA Mows rnsara- sodety) CUNA Mutual Insurance Society Credit Life Insurance (cost per $100 of monthly loan balance): Single Credit Life $.070 5910 Mineral Point Road, Joint Credit Life $.123 Madison, Wisconsin 53701 Credit Disability Insurance: The Schedule of Rates shown below are gross balance rates. This means the rates are applied to the sum of the periodic loan payments 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 $ 100 of gross balance. If the amount of your periodic loan payment is $ 100, the gross balance of your loan during the first month of your loan is $2,400 (24 x $100). Our charge to you for insurance for the first month of your loan term would be $2,400 x .2950 x 0.0 or $7.08. After you huve made your ilrst $100 periodic loan payment, the gross balance of your loan would then be $2,300 (23 x $ 100) and our charge to you for your insurance for the second month would be $2,300 x .2950 x 0.0 1, or $6.79 etc. The charges we actually make to you for your insurance are shown in your periodic statement which you receive from PSECU. Please remember, whenever you add a new advance to your loan, you recast the loan and a new projected loan term is determined according to your loan plan. Please note also that if the amount of your periodic loan payment is greater than the maximum benefit per month shown in the insurance schedule of your certificate of insurance, our charge to you is based on 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 loon 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 $ 100 of Coverage Per Month TERM RATE TERM RATE TERM RATE TERM .6IE 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 0.5372 37 0.2322 67 0.1716 97 0.1442 8 0.5070 38 0.2300 68 0.1700 98 0 1438 9 0.4804 39 0.2260 69 0.1695 99 . 0 1428 10 0.4587 40 0.2234 70 0.1681 100 . 0.1422 11 0.4407 41 0.2203 71 0.1667 101 0 1418 12 0.4254 42 0.2180 72 0.1658 102 . 0.1411 13 0.4069 43 0.2152 73 0.1645 103 1405 0 14 0.3924 44 0.2125 74 0.1633 104 . 0 1396 15 0.3784 45 0.2099 75 0.1624 105 . 0.1391 16 0.3643 46 0.2074 76 0.1613 106 0 1387 17 0.3548 47 0.2056 77 0.1605 107 . 0.1379 18 0.3448 48 0.2028 78 0.1593 108 0.1375 19 0.3346 49 0.2012 79 0.1583 109 0 1370 20 0.3242 50 0.1985 80 0.1573 110 . 0 1365 21 0.3171 51 0.1966 81 0.1565 111 . 0.1362 22 0.3083 52 0.1947 82 0.1556 112 0.1355 23 0.3013 53 0.19`4 83 0.1545 113 0 1352 24 0.2950 54 0.1910 84 0.1539 114 . 0.1347 25 0.2882 55 0.1889 85 0.1530 115 0.1342 26 0.2817 56 0.1878 86 0.1521 116 0.1336 27 0.2759 57 0.1858 87 01 514 1 i7 01333 28 0.2713 58 0.1837 88 0.1507 118 0 1327 29 0.2670 59 0.1828 89 0.1498 119 . 0 1320 30 0.2614 60 0.1809 90 0.1493 120 . 0.1316 Loan Disclosures Late Charge: If you are more than 15 days late in making a payment, you will pay a late charge equal to five percent of the scheduled payment. Collection Costs: You promise to pay all fees and costs associated with collecting the amount you owe under this agreement. Such fees shall include, but are not limited to, attorney fees not exceeding 20% of the outstanding loan balance or, fees paid to outside collectors or outside collection agen- cies, provided the aggregate of such collection fees (not including costs) do not exceed 20% of the j outstanding loan balance. footnotes: (1) At the current interest rate, PSECU will finance up to 100% of the Manufacturer's Suggested Retail Price (MSRP) of a new, current model year vehicle (untitled); up to 100% of the retail value of a new, prior-year vehicle (untitled); or up to 100% of the retail value of a used motor vehicle (titled.) At the current interest rate plus one percentage point, PSECU will finance over 100% and uptol30% of the MSRP of a new, current model year vehicle (untitled); over 100% and up to 130% of the retail i value of a new, prior-year vehicle (untitled); or over 100% and up to 130% of the retail value of a used motor vehicle (titled). Maximum financing fora member-owned vehicle or refinancing an existing PSECU loon is 100% of the retail value. For used and prior-year new vehicles, PSECU consults the Kelley Blue Book® (registered trademark of Kelley Blue Book, Co., Inc,) or other authorized guides to determine value. Vehicle loans cannot be used to purchase commercial, theft, salvaged or flood titled vehicles. The E vehicle must be titled to the Borrower, Co-Borrower or both. The registered owner on the Certificate of Title may not be a business, corporation or trust entity. Vehicles must have a minimum value of $3,000 and must be titled in the U.S. and may not be taken out of the U.S. (2) PSECU will finance up to 90 percent of the retail value of a new (untitled, current model year) recreational vehicle. Used (titled) recreational vehicles may be financed up to 90 percent of the used retail value. The Kelley Blue Book® or other authorized guides will be used to determine the recre- ational vehicle's retail value. PSECU's minimum RV loan is $3,000. Your RV must have a minimum retail value of $3,333. (3) The Annual Percentage Rate (APR) for share secured and IRA advances will be the dividend rate j being paid on regular shares (Index) on the date of the advance plus the percentage shown in the "Percent Above Index" column. If there is an existing balance on the dote of the new advance, the existing balance will be added to the new advance and the entire balance will be at the new APR. The rates are subject to change to reflect any change in the index. Any increase in the APR will take the form of more payments of the some amount until what you owe has been repaid. Loan rates on Certificate and IRA loans will not fluctuate during the course of the loan. (4) Shares or certificates pledged must be owned by the Borrower or Co-Borrower unless the Share or Certificate owner authorizes the pledge in writing. (5) PSECU will grant loans secured by Share Certificates. Maximum financing is 90% of the Certifi- I Cate pledged. The Annual Percentage Rate (APR) for Certificate loans secured by multiple certificates will be based on the certificate earning the greater dividend. The term for Certificate loans secured by multiple certificates will be limited to the longest term remaining among them. Early withdrawal of the unsecured portion is not permitted and the loan balance will be due in full if the Certificate is withdrawn prior to maturity. Monthly dividends ore paid into the Certificate. At maturity, you authorize PSECU to redeem the Certificate to pay any remaining loan balance. Funds remaining after repayment of the loan will be deposited to Regular Shares if you do not contact PSECU on or befare'hc ? dae t n-...uiic -,ewui of the Certificate in-my ? pledged Cannot aaaar until the lean balance is Paid in full (6) If you have been approved for credit under this account, you will be given a specific credit limit. This credit union is federally insured by the National Credit Union Administration. Equal Opportunity Lender EXHIBIT "D" I If %-..e CERTIFICATE OF TITLE= FOR A VEHICLE: 456 1102799990011+283-001 JT3HN86132XO225611 + 19991 TOYOTA 1 66632535701 KE VEHICLE IDENTIFICATION NUMBER YEAR MAKE OF VEHICLE WIE NUMBER,, Sid 0 AP NY 11 /21i/C18 066034 0 ODOM. PROCf). DATE '{?C}?3hT. )r111?S t.t ; ODp6?1, STATUS ¢"A _ BODY T"Y//PE OUP SEAT C PRICFi nnLE srArE ,. _..._ ?:.'.? z-_•, "d..?. Yi'X '; sY... ;I ITLE BRAIDS 11 A 21T?0 ?p 6? $ UNLADEN WEIGHT GV NR GCWR T ODOMETER, STATUS 0 ACTUAL MLEJIGE C _ I ='MILEAGE EXCSEED91E IF?ELx b ' .t LIMITS L-.- 4y 7 't FJ: , 2 e N07,9Tf A yM ': 3. NO :MI[ ; T RI `' ( 4 EXEMPT FRGMr(YWMk-,€R DISCLOSURE RFQISTERED OWNER(S) D11YT-D .-J 9--K-WTY_.:E x,71 . T U C AHOl RD' t F ?a D'1ELSBbR6 PA=! 17019 Lea ; y,,f Yil 3a... fir. "P.- Y' a ? i , - y ' :,, III h "At w' t Pit CU ? u I 1 4Pea6h .P FIRST LIEN RELEASED • - }? `' h DATE 2;oraw, ?f' S+ i AUTHORIZED REPRESENTAJNE? MAILING ADDRESS ;ft; ?. '2`yfj G •: w.~,' ??+? wv^,?r. {p y - .`,., •I'- - a7 `:J(UTHORIZED REF R a.-NTH v re's r;. .P 0 =BOX 67013 HARRISBURG PA 17- A p'e`nns`t?tanla ;. DEPARTMENT OF_Rgns pRT?TIUr{? ft SCOTT _ CHRISTII? CTINGI `I certify as of the date of issue, the official records of tte Perkin{yryan(a .Department ??' ;Of TmSI;Qdatlon ratted ttat the. person(s) or cdmpany named heran Is tre lawlu?owner _ of the Bald vehicle. + ... "' ?. . W Secretary of Trans' rtation TO BE COMPLETED PURCHASER. VJHEN VEHICLE IS SOLD AND THE 9 1 FOR 1 LIEN INFORMATION. COMPLETED. SUBSCRIBED AND SWORN _ if a cO-pilrchase Other ltlflri your spouse is listed and you want the htle'to TO BEFORE ME_ - be hsfed as Joint Tenants 1(Jith Right of Survldorship" On death of one wEAa owrt9tr III e goes itl' survlvi :g`wner) CHECK HERE ?. {, (?erxnse,' 't,?e,Utle I' xlif b 1 .ur f I Sa n uTCOmnjoR" IOn heath of one Ulkner, Interest of , + deGe I` I c .I r? i I h , ber heirs or estate) SIGNATURE PERSON ADONI TERING OATH f ? r --- ' ?- . ?r'. HE,,Lj IS THIS AN ELT? tIF YES FiN FEOUIRED) Y'S 11 fic) I NCO C IST LILNr{OLDER FINANCIAL INSTITbTK)N NUMBER _ h ST LI R NAME . d ,..- STREET T CI STATE II . C-9 IF N02ND LIEN, CHECK ? IS THIS AN ELT? IF YES, FIN REQUIRED) YES ? NOD Tire wder,goed hereby mNea aPIA aIl- I r CerOreate d Tp to Die veNde dl.c i .: W - aEOre. s01eq ro Un ancumbances and Omar IepN da(ns sal lam here. t, ,.. - .. --- .. 2ND UI NHnI Dh R FINANCIAL INSTITUTION NUMBER' - - IV 2ND LIENHOLDER NAME -SIGNATURE of APPLICANT OR AUTHORIZED SIGNER -- STREET O SIGNATURE OF C APPUCANTRIRE OF AUTHORIZED SIGNER CITY STATE ZIP (TYPE OR PRINT) Certificate of Title must be submitted within 20 days, unless the purchaser is a registered dealer holding the vehicle for resale. ATE THAT YOU STATE LAWS THE MILE T TRANSFER OF OWNERSHIP. FAILURE CONNECTION WARNING o M O ME T. - CO PLETE OR PROVID NG A NT MAY RESULTIN FIN S OR MPR O MN FALSE STATE&4E EN IA Ray#wN d.+tws rrwer cTpew fokaw YV27A d MV27g .! ASSIGNMENT OF TITLE - .+ w :+e w w.. a a.aw. r?T+ .o a..e ea>ur. LAST FIRST MIDDLE NAME anion t on P. Irwa a MW ronn -t b. c PURCHASER OR FULL I1We certify, to the beat of my/our knowledge that the odometer reading is BUSINESS NAME - . T ENTHS '"??i X moos and reflects the actual milea e of the vef + CO-PURCHASER - g uu vr r STREET unless one of the following boxes Is checked: ADDRESS ? Reflects the amount d age ? Is NOT the scwal mieage cm - in excess of is mechankxl omits WARNING: Odo nefar d?u LWe further certify that the vehicle is tree of any encumbrance and hhat the ownership is hereby PURCHASE PRICE - transferred to the person(s) or the dealer listed. - STATE ZIP .. OR. DIN - SUBSCRIBED AND SWORN TO BEFORE ME: ? - MO. DAY YEAR PURCHASER SIGNATURE - S f SIGNATURE OF PERSON ADMINISTERING OATH i - CO-PURCHASER SIGNATURE J - - PURCHASER ANDrOR - Q _ CO-PURCHASER MUST W - HANDPRINTNAME ERE U) - - - - - - O SIGNATURE OF SELLER - a - - - SIGNATURE OF CO-SELLER .SELLER ANMR LUJI h - CO-SELLER MUST ...: - - .HANDPRMJTNAMEHERE- C7. [ RE-ASSIGNMENT OF TITLE BY REGISTERE DEALER- If purchaser listed in Block A IF, NOT rgi;to-d dcalel e It this for, u,t be completed. I/We cer6fy,_to Ure best of my/our WwMedge-that the odometer readeg is -. t - LAST :. - - FIRST - - MIDDLE NAME. >< miles-and: refled9 the actus! mileage of the v PURCHASEHO R FULL ' BUSINESS NAME - ` - ,: WkaS rxhe Ufllhe foYMVkrq bo,eto I ch0cikcd - Refbde tho'91MUrt of ?lleege It NOT the actual, ? ? C -PURCHASER % ?? . h exoesad?s RwCnerdcal M1nifs - -WARNING dddiNMrtepixy . STREET - . r UWe flfELhar oeTtlfy t1gL T@eh(t(e L1 M1bp pf e rry ethcurtl[Knnoe and thaf the ownership is (Lkeby t ;; t ti h A ? f ? Ig - _ ADDRESS - rana ste d o t e pe O g br e r . 9 - - . .. ? -, O % RN SUBSCRIBED AND CITY , WQ TO'1EF4REME::- i' - araTE zP RuRORASE PRICE MO DAY YEA OR DIN .°Y , - TilRBi'UP'ISERSON INISAT fi1NG OAT `?; PURCHASER SIGNATURE - z. W. - C/) ' CO-PURCHASER SIGNATURE P PURCHASER AND/OR SERM ST .` H Q i A r MOT4AM?, RE y Q SIt3RA RE oF?,tELt R SELLER MUST I = s HANgPRINT(1AIAE`HEHE RE-ASSIGNMENr OF T!T-!E BY REGISTERED DEALER- • • • INVe olutlty, to the be off,ffyo Jr W. * ge?ff?at" odomete/ma*-,g is } d BAST - FIRST ... MIDDLE E -';•. g ? ? ? _ , riy - Itaclual mieage of the vehlCt 'YAK and the( PURCHASER DR FULL , c r? BUSINESS NAME h Y ,tg T? E,j,` rfnlEggone df _ Y IB?Mk'-ts ) T#9 NOT the actual "Ways " " 4 CO-PURCHASER - ft- ta^ - tq ?cesa m WARNING' pklomeler drsaepgncy STREET .. Vwe fU" ally IS f(4 of any and that the p emhlp is Ijamby hanM to the X - e ;Ilse d al rN t d - - ???' XS' i. „ p e a s e _ - ,r i .r F SUBSCRIBED ANDS QRN ? CITY 9 - - - . TO BEFOA ME, L ''k t 6 CHASE PRICE STATE ' ZIP . '?. MO. DAY. k EAR I l} OR DIN, - GNATUR OF ?ER9 A INI T>:RING QA PURCHASER SIGNATURE - S -' W .- U) - - CO PURCHASER SICNATIJRE W - - r ^- ' PURCHASER AND( - CO-PURC ASER Ml7 .; ..'.. HANDPFI ?. AME p.'k.: d SIGNATURE OF SEDER `. C/) ` DP NT HA R NAME HERE ` e + e completed. • oertify, to the best of my/our kneMadge &W the odometer reading is - '- '•. LAST FIRST MIDDLE NAME TENTHS, - - - _ _ _ -X miles and reflects the actual mileage or the vehd0' ,' PURCHASER OR FULL - - unle f h f ll i ? ' BUSINESS NAME - ' - ss one o t e o ow ng boxes is checked: ,_ - i c l ale its if W T a is NOT the actual t r ; lo ? d if lo ? --- - - GO-PURCHASER nex e me un e di excess s rnechan al nmlfs ;. WARNING: odometer r rnscrepanccy .STREET -- - . I/We further centy that the vehicle is free of any encumbrance and that the mnemNp is hereby transferred to the person(s) or the dealer listed ADDRESS - . -- CITY SUBSCRIBED AND SWORN - TO BEFORE ME: -- PURCHASE PRICE STATE ZIP MO. DAY YEAR OR. DIN SIGNATURE OF PERSON ADMINISTERING OATH PURCHASER SIGNATURE - J - Q W m V) CO-PURCHASER SSIGNATURE ___ PURCHASER ANDJOR N O { CO-PURCHASER MUST HAND IN PRT NAME HERE d d - > Q - ) SIGNATURE OF SELLER P U 1 - ) - -- SELLER MUST HANDPRINT NAME HERE ?.. ? CHECK HERE IF APPLICATION FOR DFALFR TITI F amn rrwpl 9ZT1: cGrTtnAt n TITI IPI!_ cccc n ar 3 a 0 to m O in 01 c t0' w CD O- C N CL N w (<D O CL N rN -10 N D 7 w to to m m ca O w O G N 3 K C w a c m v N N (D 7h fv D n En w m co 0 0 fn O N 3 w N a (D fll O 7 N N to C N 7 (D O_ D O w w o' 73 Vnrrz. ?e N70171' 2 C Kz.cx images 10670 oa(P1 MOP I'ENNaYi?lANI, a1 7 . EMPLQY-ES c` DiT t ON';l CASWER' S HEC% r.`frJ'l' A0R. flBOX 070 13 PA t'.1tf16 7bt3 s'i : r '`?gK.'ii x; .'#i? f? j ??,'. ?'• Nil, 24Eb843 F Y+?+ j? °talyirJ?'??`' ? ar r? ? yy?? .? i ,A'1 1 •,#f.. ' L " ?i • •-; ri ?t 14 ', ''+c k,ws: + ,` tittiE 4 a?4t •,?! ,`sa'il ?7 a! , OATF :.,..,,• n r t k yr .i^y'h fall +? K .. „ ,* 02?0301. 00 ?r - +?y ?e aigw ?•?.I .J . rr r i l ra"'??. ?a ?a",?r . ti°'s• 'r?: at ? i. PAY *: .•, , ?r . , ?• x ,*> y3. :? 1.566 s : ,?,4 kti'. 1 'Lt4c•:. ? 1 . „i r i.>" -.' ? • ? .' erg H ? ?? J f.?,i : e f I C} R5 A W CEIQ ONE 71?{3GS 1V IiUXDJMD # X I) _ :?? 'x ORDER • rx.. tom{ T }?.+p?xt1 t?l"°? f fr _ ? ,~? i ?INSr?Y w&57JiTP- F. U,?, T.t1! J 311..E 1??. r «+l? '' .r • , ,.. - .r?7'+' , - QF t„ AND [{rtTy EKPP'YER+, x ?? . ..: ,;,?- , ;4 y?": ,?, , 6.1 • x.?;• ?? 4`01 AETIR 90 DAY$v y. •, d' t l? yV'J rill t - A. ai. 1r t s j". ` sY t nu ORR?7 S1GNq ll a 1 t '` ? ,` ? ? en'2???I3843?'?:23i'?8????,?'?s,? ?i????i2??." b?, ••' I ' t - 4 H! l ?T??aSt ?E:333?xrr f< till ?U -1 c&? http://hbgappip2/icwebservices/bbresearch/PrintableImages.aspx?sys id=10924927&type... 1/26/2011 EXHIBIT "E" PSECO Via Certified and First Class Mail DAVID J KEPNER 40 E LOCUST ST MECHANICSBURG, PA 17055-3838 01/31/2011 11-' NOTICE OF REPOSSESSION AND RIGHT TO REDEEM You are hereby notified that your 1999 TOYOTA 4RUNNER VIN#: J'1'3HN86R2X0225611 has been repossessed by the Pennsylvania State Employees Credit Union ("PSECU"). You have failed to paw the 12/02/2010 installment due under the above Loan and Security Agreement (the "Contract"). The motor vehicle is currently being stored by: Richard ct'i. Associates, 3999 Sprinr- Road, Sherrnans Dale, PA, 17090, (717) 241-5884. You may redeem the motor vehicle and terminate the Contract by paying the following amounts on or before 5:00 p.m. on 02/15/2011. Unpaid principal balance $7,354.25 Accrued Interest $90.49 ADDITIONAL COST IF REPOSSESSED MORE THAN 15 DAYS AFTER DEFAULT Repossession Expense $350.00 Storage expense @ $20.00 per day (1/27/11-2/15/11) $400.00 Late Fees $16.03 Other Charges Total Cost to Redeem $8,210.77 Payment to redeem must be in cash, certified funds or a cashier's check. We will sell the 1999 TOYOTA 4RUNNER at private sale sometime after 02/15/2011. The money that we get from the sale (after paying our costs) will reduce the amount you owe. If we get less money than you owe, you will still owe us the difference. If we get more money than you owe, you will get the extra money unless we must pay it to someone else, or use it to pay other loans you owe to PSECU. You can ;gel: the property back at any time before we sell it by paying us the full amount you owe (not just the past due payments), including our expenses. If you want us to explain to you in writing how we have figured the amount that you owe us or you need more information about the sale, you may call us at (717) 234-8484, ext. 3116 or (800) 237-7328 or write us at PSECU, P.O. Box 67013, Harrisburg, Pa. 17110-2990, and request a written explanation. You should also contact us if you are unable to pay the foregoing amount in full prior to the above deadline. PSECU may allow you to reinstate your loan, if you qualify, upon payment of the arrears and additional costs only. We are sending this notice to the following other people who have an interest in the collateral listed or who owe money under your agreement: (Names of all other debtors and obligors, if any) Katy E. Kepner You have 30 days to make arrangements to take possession of the personal effects found in the vehicle. Failure to recover them in this time period will result in disposal of such personal effects. py Sarah ogasic Cc: Katy E. Kepner Account Advisor Pennsylvania State Employees Credit Union Main Address: 1 Credit Union Place, Harrisburg, PA 171 10-2990 • 717.234.8484 • 800.237.7328 Moiling Address: P.O. Box 67013, Harrisburg, PA 17106-7013 • 717.777.2100 (TDD) • 800.472.1967 (TDD) psecu.com This credit union is federally insured by the National Credit Union Admilistration. Equal Opportunity Lender 8c'8`SSOLI Vd ` lM8S3lNVHD3i is ISM01 3 ob HINddx r QIAVU J6 nbey ?u9 01-W (paj, r9JOpu3) ` Aanpepal P 0 . e?ey .; ?` ?• (Z (pejlnbea luawesiopu3) O ?ia?s x 1F eat ldleoey wnlea C3 Ln d A no k-j camw Ln PSECO P.O. Box 67013 Harrisburg, PA 17106-7013 ADDRESS SERVICE REQUESTED I Via Certified and First Class Mail .Via Certified and First Class Mail DAVID J KEPNER UTaC .40E LOCUST ST. -? MECHANICSBURG, PA 17055-3838 w " ?1iq?1? ;•.yy-: - 0116P,2651, 304 X09 168 anal 589 151 v 1r ,v..c,c t, z pEfUR .. ? ti .. fk IE, ; "'011 Mailed Fro;n 17 110 1!? l?t?S"? 4G1= EXHIBIT " F" -29-2010 FRI 09:30 AM • i ?? . 2 SIGNATURE LOAN ACTIVATION NOTICE t 01/28/2010 P. 001 Applicant. DAVID T KEPNER Ref #: 902635 Approval Amount: $10,000.00 For Internal Use Only: 6772002816584 App. Vome Telephone (PA"SM 10 App. Work Telephone: (74@10"&-2100 21 I acknowledge receipt of the PSECU LOANLWER Disclosure and Credit Agreement and agree to be bound by the terms set forth in said agreement. Signature of I T to SXGNATC= LOAN OPTIONS Purpose: MJJW /00 'fuSr MY AMn19 • Please select one of the following Signature Loan disbursement options: Send a Cl check A deposit to my Share 4 (Moneyllandler/Checking Shares) • Please select one of the following Signature Loan repayment options: ? Payroll Deduotion Q Homebankiug )l Automatic Transfer from PSECU account 0 Self Service Telephone ? Coupon © Direct Payment from another financial institution -? 1 ?UzUSI as Main Addrust I Credit Union place, Harrisburg. PA 17110.2"0, (117) 234-8664 Mailing Address: P.O. Box 67013, Harrisburg, PA 17106-7013,(717) 777-2100 (MD) Savings federany hwured up to S 100,000 by rho Nadooal Credit Union Administredon EXHIBIT "G" 1 11 PSE?F PO. Brix 670137 0 Haaf,sburg, PA 17106-7013 i (71 ;9 234-84W Harrisburg ta" 237-7321! Nalionaide Loan Dhwilaswes This "MAN15R' Credit and Security Agreement, W It" b"do the Truth in f Leading Dadoeuraa, will be relented to as the Plan. The Piet doefmotits kielt/dp tMb f egeaameo and an Addendum, Yost, y!ow and boa>1+mtror meat any Parson vtAto Signs the Plan. Credit urban, tor, our and us mean P8ECU or anyone to whom 1M Credit Union transfers its A" under the Plan. t NOW THM PLAN WORKS - This Is an oper"N. multi-featured credit plan. We arNfopete iliac, from tinter to time, you will borrow money (belied "advances!) under the Plan. We wra not ra!gttked to stake ?? Yo®luardtrr Ehbfgan and am refuse a Mast for an advance at any time. The Addendum describes" the dttarent types of rat (called `subaccounts") available unde?'itte Plan, #* cufform interest rate for each subaccount expressed as a daily period rate and corresponding annual percentage rate and other changes, t may also have other tarts and a schedule for determining the payment amounts f CREDIT LIMIT - We may, but do not have to, estatil t a aredd fret on certain sut?-It a credit linen is set for a subaccouft, you proeldaa- noriv %olled-the ease llillaaad or" limit. if you exceed the oradlt Ifmk, you promise to repay lmaea9fiately the amount which exceeds the exams I n#- R MNT - You promise to repay an amoum you owe :tinder the Plen0A?,?,? 1 interest. Payments are due on the last day of the, month laaterss we set a diftraft day at the Brie of an advance. It the Addendum has no payment schedule Ter a subaccount, your payment will be determined at the time of each advance. Payments must Include any amount past due and arry amixi l by which y(w have exceeded any Credit krill you have been given for a subaccount Ybu Inlay repay all i or part of what you owe at any fine without any prepeynterd perrafty. Eva" 9 you i prepay. you will still be required to make the regaiarly s! h eduk d payments unless we agree in writing to a change in the payment setretfile. If you have a joint j shavadraft account, you wilt be responsible for paying all overdraft 'atlvaroes i obtained by a joint holder of the sharedraft account- Unless otherwise requited by law, payments will be applied to amounts owed under the Plan, in the manner the Credit Union chooses. I PLAN ACCESS -You can obtain credit advances in any manner authorized ty us. If i we allow you to use your ATM) Debit card to access the Plan, you may be lob for the unauthorized use of your ATM I Debit card. You will not be liable for uniouthot'ired. use t that ociouis after you Holly us. wally or in writing, of the lose, Caaft or posailli tmauthorited use. If you believe your ATM/Debit card has been lost or stolen, immediately inform the Credit Union by calling or writing us at the luakaphone number or address that appears elsewhere in lie Plan. it the card is used to obtain urtou4mrized advances directly from the Ptan, your liability will not exceed $50. It the unauthorized withdrawal Is from a snaredraft account, your kabilily is governed by the Pegidldton E disclosures you received at the time you received your ATMtDebk card, even it the w0orrawat results in an advance being made from your overdraft subaccount FINANCE CHARGE - The dollar amount you pay for money borrowed Is called a finance charge' and begins on the date of each advance. A finance charge will be computed separately for each separate balance under the Plan. To compute tote finance charge, the unpaid balance for each day since your last payment (or since an advance if you have not yet made a payment) is multiplied try the applicable daily periodic rate. The sum of these amounts is the finance charge owed. The balance used to compute the finance charge is the unpaid dance each day after payments and credits to that balance have been subtracted and any additions to the balance have been made. in addition m interest, we may charge otter finance charges which are disclosed on the Addendum. if tree interest rate is a variable interest rate, the Addendum explains how tin variahle interest rate works.. SECURITY - You pledge as security for the Plan all shares and dividends and, it any, all deposits and interest in all joint and individual accounts you have with us now and in the future- If a specific dollar amount is pledged for an advance, we wik freeze shares tn, that account to ft;e extent of the outstanding balance for the advance. Otherwise, your pledger; snares may be withdrawn unless you are in default. The following paragraph applies in all states except in Ohio, Rhode Island and Massachusetts- We have a statutory lien on the shares and dividends and, if any, the deposits and interest in all individual and joint accounts you have with us and may exercise oiir rights under the lien tc, the extent permitted by state law. (We are state chartered If our nacre does not inc-ode Ine term "Federal Credit Union') For all borrowers: The statutory Yen and/or your pledge will allow us to apply the funds in your account(s) to what you owe when you are in default The statutory lien and your Pledged') nor app'y to any Ircv, idua! Retirernent Account or any other account that would >Ose special 'ax rreatmeni under state or federal law if given as serinty. ACdit?o:al sa:urwy or ;ne P!ar? may be re,u-red at the time of an advance. of a subaccounl '.dentitles a ^yp@ ct prc+beriy ?such as -New Cars') you must give anal type of prop.rty as security mien you get an advance under that subaecount. A subaceount name such as 'Other Secured- means you must provide security acGeptanle to us when you oota,n an advance under that subaccount. Property you give as :security %v:li secure al' ninoun:s owed under the Plan and all otter loans you have w tr .r in the lull =.cept any !nan secured by your principal dweiwia [:y „ air . ,- i n,ly 5e' i - s 1,-; CRMT 111INUOIANCIE - C4V* file and/or credit dWob*y JRMWltiarr is oplion", tutder the Phan H you *iWily far mW purchase the ineurmoo from ors, you WIfforilo us * add the irmtram*a . WrA* s manly to your ban balance and dtarg6 you Interest on the entire bafanca if you BiYrat credit Insurance, your payments iRay increase or life period of Virtu neoessery to tepay your advance may, be erdetnded. The credtf frasumve rat", may.toli during the Plan. H'the raise d a vo, rive wild- prrnrkle any noiriss required by applicable law, on a rriguilarte¢sis you wo receive wuaww* showing all transatrtona under the Plan during Itte period covered by the, ofidernaM. wnwts and follow will be seat to you at the most racerti-address you have givers us in writing. Unless applicable law requires notice to each joint borrower, malice to any one of you will be notice to all. JOWT AnC COtjNTS if tills Is a joint accottnr. each of you Is individually and laid/ retponsiblif W psykhg all amounts owed. That means we can enforce out rights wx*f the Plant against my one of you inrNVidually or against all of you together Ifyou gWO us Inconsistent Insirucgons, we can rekoo to tofktr your inabuctions, Unless our wrftbn poky requires all of you to sign for an a drams, each of you autwtizes ilia oillr(tt) to db* sairmoos incA+ddtwy and A"" to repay, adyrrrc:es made to tire . ~a). Any joint aor lder may ismilrude the Plan by gluing us pow written t edw If any of you lenvinam the Ptah. Ow Plan is tannirtallod for of of you. You remain liable Individually and jointly for all advances mttatrred billions termination. i F WS AND CHMQES - If you give us a security into" in certain types of pity. we may chat" you a fee to perfect our Interest :it the property. if we do, the amount of the fore will be disclosed to you at the time you curtain an advance. We may also charge you otter fees in connection with tits Plan. Our atwanttaesare disclosed on the Addendum and will be added to your loran balance unless you pay them in rash. UPDATING CREDIT INFORMATION - You promise that you will promptly give us ' written notice A you stove, change your name or employment, or if any otter information you provided to us changes. Upon our request you also agree to provide us updated financial information. DEFAULT - The /086wfr7g paM~ appibe to borrowers in Who, Kansas, Afalete and South Carallrra: You will be in detatlt if you do not make a payment of i the amount required when it is due. You will also be in default if we believe the prospect of payment, performance, or realization on any property given as security is significantly, imparrea. The to/kstring paragraph: apples only to borrowers to Wilsorwaln: You will be in default N you tail to make a payment when due two times during any 12 month period. You will be in default if breaking any promise made tinder the Plant materially i Impairs your ability to repay what you owe or materially impairs the condition, value. or protection of or our right in any property you gave as security. j The lofiowing paragraph appNas only to borrowers in forva. You will cc in default t you are more than 10 days late in making a payment. You will also be in default if you do not comply with the terms of the Plan and your failure to comply materially impairs any property you gave: as security or your abifrty to repay what you eve under the Plan. i The following paragraph applies to borrowers in all other states: You will be in default If you do not make a payment of the amount required when it is due. You will be in default if you break any promise you made under the Plait or it anyone is in default under any security agreement made in connection with an advance under the Plan. You will be in default it you die. file for bankruptcy, become insolvent, if you make any false or misleading statements in any credit application or update of credit i information, or if something happens we believe may substantially reduce your ability to repay what you owe. You will be in default if any property you have given us as security is repossessed by someone else. seized under a forfeiture or similar taw, or if anything else happens that significantly affects the value of the property or our security interest in it. You will also be in delault under the Plan if you are in default under any other loan agreement with us. ! ACTIONS AFTER DEFAULT - The following paragraph appNles to borrowers In F Colorado, District of Columbia, Iowa. Kansas, Maine, Massachusetts, Missouri. ' Nebraska, South Carolina and West Vikohlo: When you are in defaut and after i expiration of any right you have under applicable state taw, to cure your default, we can 1 demand immediate payment of the entire: unpaid bai. nce under ine Pla,i without giving you advance notice. Trio following paragraph applies to borrowers in all outer states except Wisconsin ! and Louisiana: When you are in default, we can requires immediate payment tacxeleratron) of the entire unpaid balance under the Pea •, You waive any right you have to demand for payment, notice of intent to accelerate and notice of acceleration The following paragraphs apply to borrowers in all states except Wisconsin and Louisiana: H immediate Payment is demanded, you will continue to pay interest until what i,cu owe has bean repair] at the appOcabfe interest rates c eff.=ct or, if applicable, I r ! I a i s map iz a E S Y d d r 1 E? mm ? d sj0 am m T maw W WC m a m m=? ?, T E c g IRL " it,u 1? 31 E a . sac F?oE? ea ? ? ttl 3 to Q Jim Did a Ell IF 9'6 Oo Z;?L C7a m ?S?S a 0 o ff ` c v ir. e x 'hot s ill f? ,yRi _ d +' fp G u'f N O W Or W W chi _ ?+ W 'ell p ?. ' lit p t3 m -. V4?+.`.. w? N 5+.?5 N h #9 C C O Q' y G a N 80. S2 Z C: its C O? 7>mg« E .m 5 ?O zC !?g 19U WHim- mc iy ? tE?c?• ?' .fro ? i?O W? ? .?o ? W .ac-C C Gt?? ar. r A ?. m g - 'C C?$ 0 r ? ro s a 4 e? Jay till ULU ?Ej ? may` fill p? It. t' Vill ? c d.m o ? rm m i ? m p s ?? 1 -? ?W m S; _H rz SAS } Rif 951 f r. 8LL v' ?' 4ro ?a ?mc 7>?Tro ?6"ro8 `r ??gg1f? ?G?? ? _ ?SS??d? ui3?so icnL.h??'BSte? ?c2£'??0 W.? f? a ® T? ro? C.K 7 i CJ rv' G'C! t o 4 y? o u O VV ? ' CE" W 10 d CT Q JK ?, K O T [-56_ 'glo m F? g? t'Qm?r ?? F? b z r .:? Cyr Cp = - tC S O Q J? ? ?? v P is c' C4 6,62 2 'w 4 uitseP' mad Ti wh An t ertatlsff Ofsoloairrs f 1 7. f - i bu cart avoid the Finance CNw%p ah puroha sea by pagwkhp tkie 1aM avn0aet d tttie Navtet3rteexoff OF Ptaofitraaha escfi motnh wttlttit 2S tfmyrs of your atNernet>< edotYtrg doe. tltiarvibs, the New Balance of Purdteaaa, and the su bseiattent purchases (torn the dimilia y are poeisadto.your accoerht, will be subtractt to Fieisnos Marge, haft wivances are always subject to F fnanoe Charge from the data they are posted to your account. Pwcbaaen: We oaioulale your final aos cthww by muttiplynng the average 1 daft'ba?rnce Oise rt borrow). itclui k+y Raw punclussiaarforthe bfilltg cycle by the rnoffd* penotift purcha-i its and con egpondng Rfl V$AL P tTAOEE RATE as disclosed on the Addendum. Catah AdvaiYees: We calculate your finance charge on cash advancers by tiwbipiyitg the average adouaaed daly balance (sae amplanafion below) for cash arseawaes eluelAS i" AM" -"-W ffpwYre rr watiy pariodio dedvancs, we aid. oaaoaxwhding A14JAL I RATE as dWolosed on the Addilindum. i C Average Dary, i9aitmw for Pis - The Average, Daily Balance for Purchase Trat B is c&MdoWd°byr adding the Deasy Balances (Pum taft Thins cn) for ( each day in the billing cycle, and Thera dividing by the number of days In the billing cycle. To calculate the Daily Balances for pure hettrec catch day, we Hake the lollowing shape: We take the outstanding: balance (tall amounts you owe) at the start of the day. Then, in the aegiwnos in which amounts are posted to your account, we add the to of art debits and > the aunountS W all credits or payraeM& which post to your account that day After applying payment; sold credits, we subtract the 1 anaotiest at any unpaltl Ftri snore. Charges or Late O hmalipw Then we also su44raot due antouitt of smN Gimett Advarrletratgeeofora theapooWlio year mcoount - that day or in any previolis day in fhe.b" cycle. This gfvttaus, 11te Daly Balaoce for Pumheses. AwmiVs LaaW ttlemem, thr Cash Adwtntaas - Geah Advance Tranuctions which are posted kf your MOOUmt an not Included in the Average, Daily B8{Hnee calaalalfon for } pumtha ies, orders aherefote not subject to ffteretw" poli wdc rate for pialCllaal99. The Average Dally V alance is tukmiated supiaratehy for Cash Advwx*s and is suboct to the Cash AddanceldfrxaSiriy FiriodcRata. TheAvet"a Daffy 8egance for CashTransacdorts is taaloata lead t7y ad*V ttw Daly Bdwces (Cash lWmadf4)) kar eac h dw In the biduag cycle, and then duidirfg by the number of days in the bfiing cycle To calculate the Daly ememce Our cash=esch d w VA lake to feioraaag steps vie take, the outstanding balance (as amounts you owa) at the start of the day. Then. in theaaigbence, in whlGfi anuituts 1 are posted to your tcoount we add the amounts of all debits and. subtract the amounts of all credits or paeyrnents which poet to your account that day After applying payments and c reff a, we aat>NO Me smourt of any unpaid FinOWO Charges or Law fxtsAges. Then we also subtrac the amount of any FunSiase 7hxreeceons that posted to your ( account on that day or in any prowbus day in the billing cycle. This gives us the Daly i Salaracg lof Cash Adwwm 7 drat Nola: Cash Adv/ancsua re always subject to r and f?pro till day Ytay afw Posted tar your account. Payments are applied in 0* loflowkv manner: firm to previous late fees then to previous cash advances finance charges, then to paeviotas punohase fkuanoe charges. Own to current late fees. Inert to pro4ous cash aidyant:a 4alancew, than to previous purchase balances in the order that they wwoposted to your accourd, then to current cash advance balances, and then to CCrrernt purchase ballancaa. Credits are applied f#cl to We particular type of debt which is being credited. if ",, mid then to the balance of your account. Nate also that if the total of the payments and credits which are posted to your account by the Payment Due Date shown on a statement is equal to or exceeds the Now Balance shown an that statement, we will not apply the Monthly Periodic Rate to your Account on your next statement. 6. DEFAULT -You will be in default If you tail to make any Minimum Payment within 25 days after your monthly statement dosing date. You authorize us to transfer funds sufficient to matte the minimum parymart due if your Visa loan is in default. You will also be in default if your ability to repay us is materially reduced by a change m your j employment, an increase in your obligations, bankruptcy or insolvency proceedings involving you, your deam or your failure to abide by this Agreement, or if the value of our security interest materially declines. We have the right to demand immediate payment of your full account balance if you default, subject to our giving you any notice required by law. To the extent permitted by taw, you will also be required to pay our collection expenses. inducting court costs and reasonable attorney fees. 9. USING THE CARD - To make a purchase or cash advance, there are two alternative procedures to be k*owed. One is for you to present the card to a participating Visa plan merchant, or another financial institution, and sign the sales or cash advance draft whkn will be imprinted with your card. The other is to complete the transaction by using your Personal Identification Number (PIN) in cori;unctior j with the card in an Automated Teller Machine or other type of electronic terminal that provdes access to the Visa system. You agree that you will not use your card tot any transaction that K illegal under apptcable federal, state. or local law. Tn,e montl:.hy statement will identify the merchant, electronic terminal or financial institution at which transaCtions warp made.. but sale. Cash advance. credit or othor slips cannot be returned with the a nvorlt. You will retain a copy of such ales fumistied at me time of'tie transaction in order to verity ftte monthly spabmett TAe Credit Union fey make a reasoctabte charge for phoilooopiea of sips you may request. 10. OVERDRAFT OPTXM - if you OW to werdreift to your PSEC?U Visa Credit Carc,thatefatI )Baubjoatottwea mkvcrot9k mid this imptimonsent It represents and due current foen policy at 0* IM* of ice ovvisedini t. You afro urdallatarid that an ove wit radtwfa be considered the sani0 an a castor aduertris on your FSEW Visa Credit Clap and that the r3umert Arwrual PMOentlage Rate for cash advances will aapphyf. 11. RErtWOW AM --M$Mh Mfr tit obeQ who honor the card may give 000 for aWnrtra ands and only will do so by sending us a credit sip vvhlch we WO 00111410 YW Marine rll.**IW 111-your-a*0 and paytvi its isixead what you owe w. me will`aabrnabeSMy post (rte excess credit belarice to yaw S1 Shares YAMM 76 days. if the balance is one dollar or more, upon your written riques;L we wig rtisaid the credit 'balance to you. 12, OF00#4 '- -R* 00willp we Otlf drool the Matbar#ram currency and the b0lig ostitn4y used br pro0disakV I OW tpaaachons is a tale sefectad by Visa from pre oil of Atlas avaiakle in whoko t oxi A W martyr for she applicable central processing date; which rate fnay wry from the rats Visa Itself I, receives; or a gcMarttttiertt-Rrendalad ts4a In eReat for the atpplo mbie central processing date. in each , an adjushriend sw.ey, be assessed based on the 1SA file kriposed by Visa. This be, whlchlolafe 1% of the transaction aseuuK will be assessed on all transactions where the merchant country dMfers from the country of the card Issuer. 18, SPECIAL I#1LES FOR VISA PURCHAt3C?=-- N you disapcee or fired an error with a Vimttam> ion, and have tried in good imith to oonact ft problem with the merchant or it* charges are the result of unauthorized or fraudulent use, or your purchase cost mom than $50 and was arcade from a plan merchant in your sate within filch miles of yourhoene, contact PSECU. 14. DISPU7M ITLANSACTIOMS - You are required to txltftyr PSWU in writing within OD days fctowng Me date on which we sent your sastantent:whhersin the error or problarn rata appeared reawding arty d;lscxapanoy or uarwffnorited"larheatction on your account. TokohanOV PGECU does not preserve your dispute rights. You may be requited to provide us with documeraestlon to support your dispute claims in addition, you magi be required to complete a standard dispute form oullining the details of your dispute. in cases of fratudufant card use, P ECU will also raqule a notarized affidavit. In some cases vie may ask you to nottly the k4W euthoftes If we do not receive the proper requealimd docaunerrtetion fo the tfrlte speCilfed you may be held respond* for the aansactlon(s) in question. PSECU MUM adhere to strict dispute timetrames set forth by Visa. 16. SECURITY fNfLFST - To SOOarfe your aDCOUrht you grant us a purchase money security interest under the Uniform Commercial Code in any goods you purchase through the account. If you defautL we will have the right to recover any of these goods tahloh we have not been paid for through car application of your payn-ft in the man new decor bed M all 1fisrAhly Putipwnt sedlon, Witti respect to this account oMy, we will not assert any statutory right we may have if you are in default to prevent vnthdrawal of your unpkidged credit union shares (Deposit4) below the unpaid balance of your acciourt_ However, it you give or hate given us a specific pledge of your credit union shares (Deposits) by signing the Pledge of Shares or otherwise, or any other Security interests for sit your debts, your account will be secured by your pledged shares (Deposits) and by the property described in those other security agreements, exciept for your home. 16. EFFECT OF AGREEMENT - This Agreement is the contract which applies to all transactions on your account even though the sales, cash advancsa, crew or other slips you sign or mottiye may contain ditferent terms. We may amend the Agreement from time to time by serI&V you. the advance written notice required by Law. Your use of the card thereafter will indicate your agreement to the amendments. To the extant the law Permits, and we indicate in our notice; amendnents will apply to your existing account balance as well as to future transactions. 17. LATE PAYMENT C14ARGE - if your Minimum Payment is not received by the first day of the month following your due date, you will be subject to a S20 charge. 16. RUSH FEES - You may incur additional charges for rush processing and rush delivery of cards and/or PIN mailer. 19. OVER LiMfT FEE - A $20 feo wit be applied to each mormrjr statement do" date on which the outstanding balance exceeds the assignod credit limit by more than $100. 20. DRAFT COPIES - You may incur an additional charge for transaction ! summary;saie draft documentation. 21. COPY RECEIVED - You acknowledge receipt of a copy of this Agreement. 22. ILLEGAL TRANSACTIONS PROHIBITED - You agree that you will not use your card for any transaction that is illegal under applicable federal. state, or local law. 23. NO USE - tractive Visa accounts that have no purchaser or cash activity may be closed without notice to you after 18 months of no activity. 24. NEURAL NETWORK - PSECU uses neural network systems to predict and prevent unauthorized transactions. There may be occasions when a transaction is eeclined bec.'luse it :S indicative of possible fraudulent activity. r LOANLINER® Addendum PSECO PO. Box 67013, Harrisburg, PA 17106.7013 Instructions: This addendum is incorporated into and becomes part of your LOANLINER Credit Agreement. Please keep attached. First Payment: Your first payment is due and payable within 30 days from the date of the loan advance. The Annual Percentage Rates, corresponding daily periodic rates and amount of payment for each loan subaccount are shown below. If there is no payment schedule, the amount and due date of payments will be determined at the time of each advance and disclosed on the Advance Request Voucher, Advance Proceeds Check, or any other loan voucher or receipt. Other charges that may be imposed are elso shown below (i.e , late charges, filing fees, collection costs). All rates are subject to change. Default Rate: The credit union reserves the right to charge the highest unsecured interest rate currently in effect at PSECU. Auto Loan to Value Financing: Rates reflect loan amounts up to 100% of the MSRP, the Kelley Blue Book O's or other authorized guide's retail value of the vehicle. PSECU will charge an additional percentage point to the current interest rate when financing a vehicle for more than 100% and up to 130% of the retail value. PSECU makes all final decisions regarding vehicle values and proper rate. Loan Subaccount Approx. Percent Present Annual Minimum Payment Description Term in Above Daily Periodic Rate Percentage (For each 1100 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 New Vehicle Service Service Service $40,000 loan and uolue or greoter 120 .00020521 .00019836 7 49% 7.24% 51.19 $1 18 820.000 -1.. a, gee„ te, 84 .00018466 .00017781 6.74% 6.49% $1.50 $1.49 $ 12,000 value o, 9rea1s, 72 .00018466 .00017781 6.74% 6.49% $1.70 $1.69 $8,000 value or greoter 60 .00017096 00016411 6.24% 5.99% $1.95 $1.94 $6,000 value or grea1- 48 .00017096 00016411 6.24% 5.99% $2.36 $2.35 $3,000 .Ius o, 9-1,r 36 .00017096 00016411 6.24% 599% $3.06 $3.05 $3,000 value o, yeses,,, 24 .00014356 .00013671 5.24% 4.99% $4.40 $4.39 Used Vehicles Only $40,000 loan and vol., or greater 120 .00020521 .00019836 7.49% 7.24% $1.19 $1.18 $20,000 value or grease, 84 .00018466 ,00017781 6.74% 6.49% $1.50 $1.49 $12,000va1ueargreater 72 .00018466 00017781 6.74% 6.49% $1.70 $1.69 58,000 value or greater 60 .00017096 .00016411 6.24% 5.99% $1.95 $1.94 $6,000 yalue or qns.- 48 .00017096 00016411 6.24% 5.99% $2.36 $2.35 $3,000 value or grease, 36 .00017096 00016411 6.24% 5.99% $3,06 $3.05 $3,000 value or greaser 24 .00014356 .00013671 5.24% 4.99% $4.40 $4.39 Rec-eoronnl Vehide. New/Used (2) Loan amount $15,000 and up 84 .00024384 8.90% N/A $1.60 N/A Loan amount $8,000 14,999 60 .00024384 N/A 8.90% N/A $2.07 N/A Loan amount $5,000 - 7,999 48 .00024384 N/A 8.90% N/A $2.48 N/A Loon amount $3,000 - 4,999 36 .00024384 N/A 8.90% N/A $3.18 N/A IRA Loan (3) 12 2.0 .00008877 N/A 3.24% N/A $8.49 N/A Share Loan (3, 4) Up to$1,000 19 2,0 .00008877 N/A 3.24% N/A $5.41 N/A $1.001 • $4.000 48 2.0 .00008877 N/A 3.24% N/A $2.23 N/A Over $4,000 lose yea / $1,000 up 120 2.0 .00008877 N/A 3.24 % N/A $0.98 N/A !a a ma-- at I oyes,. Certificate Loan (3, 4, 5) see d-dosures 2.0 ae disdonres N/A see disclosures N/A N/A Personal Service Loon(PSL)(6) 77 .00035342 Id/A 12.9% N/A N/A Personal Service up to 65 .0002712 N/A 9.90% N/A N/A Signature Loan (PSSL) months Automatic Pnvmenf$ervice-AII In order to qualify for the .25% reduction, at the fire the loons set up, you must select to have -cur ehzie loan payments made via ar automatic service: Automatic Transfer Service, Payroll Deduc!ian, Cash (includes psecuoholnee dgd 6df $e-ti Telephone), Wire Transfer, and Direct Payment. If you remove; discontinue, change or postpone the outomptic tronsferof orlyrme=d(te, your Doan is setup, your interest rate will Immediately be increased by .25% (as of the date of your last payment) for any outstanding bdloncn 6r 1C 1l ,an If your. interest rate is increased due to any of these reckons, your loan payment amount will remain the same,-howeve t( te4r i"of -nr 1066, I.1-e, edended for the appropr alenmount of time ant alt nteresf, pnnapol, and fees hove been paid accordirg-lo your eon. PSL Minimum Payment Ranges (per thousand Rortion thereon" FIRST PAYMENT: Your first payment is due and payable within 30 days from the date of the loan advance. Minimum Monthly Minimum Biweekly Loan Balance at Time of Advance Payment Payment 19,000.01 to 20,000.00 400 200 18,000.01 to 19,000.00 380 190 17,000.01 to 18,000.00 360 180 16,000.01 to 17,000.00 340 170 15,000.01 to 16,000.00 320 160 14,000.01 to 15,000.00 300 150 13,000.01 to 14,000.00 280 140 12,000.01 to 13,000.00 260 130 11,000.01 to 12,000.00 240 120 10,000.01 to 11,000.00 220 110 9,000.01 to 10,000.00 200 100 8,000.01 to 9,000.00 180 90 7,000.01 to 8,000.00 160 80 6,000.01 to 7,000.00 140 70 5,000.01 to 6,000.00 120 60 4,000.01 to 5,000.00 100 50 3,000.01 to 4,000.00 80 40 2,000.01 to 3,000.00 60 30 1,000.01 to 2,000.00 40 20 Up tol,000.00 20 10 **Personal Service Signature Loan Minimum Monthly Payment: $100 for original balances from $1,000 - $5,000, $200 for original balances from $5,000.01 -$10,000 Visa Disclosures Finance Charge: Finance Charge (interest) is calculated at the monthly periodic rate and corresponding annual percentage rate on the average daily balances of purchases and cash advances as described below: Minimum Payment: The minimum monthly payment will be either (a) 2.0% of your total new balance or $20.00, whichever is greater; or (b) your total new balance if it is less than $20.00, plus (c) any portion of the minimum payment(s) shown on prior statement(s) which remains unpaid. Collection Costs: You promise to pay all fees and costs associated with collecting the amount you owe under this agreement. Such fees shall include, but are not limited to, attorney fees not exceeding 20% of the outstanding loan balance or, fees paid to outside collectors or outside collection agencies, provided the aggregate of such collection fees (not including costs) do not exceed 20% of the outstanding loan balance. Late Charge: You promise to pay a late charge of $20 if your Minimum Payment is not received by the first day of the month following your due date. Overdraft Option: If you elect to overdraft to your PSECU Visa Credit Card, that election is subject to the existing credit limit, this addendum and the agreement it represents and the current loan policy at the time of the overdraft. You also understand that an overdraft will be considered the same as a cash advance on your PSECU Visa credit card and that The current arinua percentage rate for ash advances will apply. TELEPHONE INFORMATION AND MAILING .ADDRESS: For all purposes as referenced in the Visa Credit Card Agreement and Truth in Lending Disclosure, call PSECU at 717.234.8484 in Harrisburg or 800.237.7328 nationwide, or write the Credit Union at: PSECU, P.O. Box 67013, Harrisburg, PA 17106-7013. Pennsylvania State Employees Credit Union Form #3100 7/07 e. Credit Life and Credit Disability Insurance (.H.red thrash cuNA M.tv.t I...r.- so<tety) CUNA Mutual Insurance Society Credit Life Insurance (cost per E 100 of monthly loan balance): Single Credit Life $.070 5910 Mineral Point Road, Joint Credit Life $123 Madison, Wisconsin 53701 Credit Disability Insurance The Schedule of Rates shown below are gross balance rates. This means the rates are applied to the sum of the periodic loan payments 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 nonretroaaive, the rate for the term is .2950 per $ 100 of gross balance. If the amount of your periodic loan payment is $ 100, the gross balance of your loon during the first month of your loon is $2,400 (24 x $ 100). Our charge to you for insurance for the first month of your loan term would be $2,400 x .2950 x 0.01, or $7.08. After you have made your first $100 periodic loan payment, the gross balance of your loan would then be $2,300 (23 x $ 100) and our charge to you for your insurance for the second month would be $2,300 x .2950 x 0.01, or $6.79 etc. The charges we actually make to you for your insurance are shown in your periodic statement which you receive from PSECU. Please remember, whenever you add a new advance to your loan, you recast the loan and a new projected loon term is determined according to your loan plan. Please note also that if the amount of your periodic loan payment is greater than the maximum benefit per month shown in the insurance schedule of your certificate of insurance, our charge to you is based on 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 loon 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 $ 100 of Coverage Per Month TERM TERM RATE TERM RATE TERM BRIE 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 0.5372 37 0.2322 67 0.1716 97 0.1442 8 0.5070 38 0.2300 68 0.1700 98 0.1438 9 0.4804 39 0.2260 69 0.1695 99 0.1428 10 0.4587 40 0.2234 70 0.1681 100 0.1422 11 0.4407 41 0.2203 71 0.1667 101 0.1418 12 0.4254 42 0.2180 72 0.1658 102 0.1411 13 0.4069 43 0.2152 73 0.1645 103 0.1405 14 0.3924 44 0.2125 74 0.1633 104 0.1396 15 0.3784 45 0.2099 75 0.1624 105 0.1391 16 0.3643 46 0.2074 76 0.1613 106 0.1387 17 0.3548 47 0.2056 77 0.1605 107 0.1379 18 0.3448 48 0.2028 78 0.1593 108 0.1375 19 0.3346 49 0.2012 79 0.1583 109 0.1370 20 0.3242 50 0.1985 80 0.1573 110 0.1365 21 0.3171 51 0.1966 81 0.1565 111 0.1362 22 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 0.2882 55 0.1889 85 0.1530 115 01342 26 0.2817 56 0,1878 86 0.1521 116 0.1336 27 0.2759 57 0.1858 87 0.1514 117 0.1333 28 0.2713 58 0.1837 88 0.1507 118 0.1327 29 0.2670 59 0.1828 89 0.1498 119 0.1320 30 0.2614 60 0.1809 90 0.1493 120 0.1316 I Loan Disclosures Late Charge: If you are more than 15 days late in making a payment, you will pay a late charge equal to five percent of the scheduled payment. Collection Costs: You promise to pay all fees and costs associated with collecting the amount you owe under this agreement. Such fees shall include, but are not limited to, attorney fees not exceeding 20% of the outstanding loan balance or, fees paid to outside collectors or outside collection agen- cies, provided the aggregate of such collection fees (not including costs) do not exceed 20% of the outstanding loan balance_ ootnotes: (1) At the current interest rate, PSECU will finance up to 100% of the Manufacturer's Suggested Retail Price (MSRP) of a new, current model year vehicle (untitled); up to 100% of the retail value of a new, 1 prior-year vehicle (untitled); or up to 100% of the retail value of a used motor vehicle (titled.) At the current interest rate plus one percentage point, PSECU will finance over 100% and up to 130% of the MSRP of a new, current model year vehicle (untitled); over 100% and up to 130% of the retail value of a new, prior-year vehicle (untitled); or over 100% and up to 130% of the retail value of a used motor vehicle (titled). Maximum financing for a member-owned vehicle or refinancing an existing PSECU loan is 100% of the retail value. For used and prior-year new vehicles, PSECU consults the Kelley Blue Book® (registered trademark of Kelley Blue Book, Co., Inc.) or other authorized guides to determine value. Vehicle loans cannot be used to purchase commercial, theft, salvaged or flood titled vehicles. The vehicle must be titled to the Borrower, Co-Borrower or both. The registered owner on the Certificate of Title may not be a business, corporation or trust entity. Vehicles must have a minimum value of f $3,000 and must be titled in the U.S. and may not be taken out of the U.S. (2) PSECU will finance up to 90 percent of the retail value of a new (untitled, current model year) recreational vehicle. Used (titled) recreational vehicles may be financed up to 90 percent of the used retail value. The Kelley Blue Book® or other authorized guides will be used to determine the recre- ational vehicle's retail value. PSECU's minimum RV loan is $3,000. Your RV must have a minimum i retail value of $3,333. (3) The Annual Percentage Rote (APR) for share secured and IRA advances will be the dividend rate being paid on regular shares (Index) on the date of the advance plus the percentage shown in the "Percent Above Index" column. If there is an existing balance on the date of the new advance, the .' existing balance will be added to the new advance and the entire balance will be at the new APR. The rates are subject to change to reflect any change in the index. Any increase in the APR will take the form of more payments of the same amount until what you owe has been repaid. Loan rates on Certificate and IRA loans will not fluctuate during the course of the loan. I (4) Shares or certificates pledged must be owned by the Borrower or Co-Borrower unless the Share 1 or Certificate owner authorizes the pledge in writing. (5) PSECU will gran loans secured by Share Certificates. Maximum financing is 90% of the Certifi- cate pledged. The Annual Percentage Rate (APR) for Certificate loans secured by multiple certificates will be based on the certificate earning the greater dividend. The term for Certificate loans secured by multiple certificates will be limited to the longest term remaining among them. Early withdrawal of the unsecured portion is not permitted and the loan balance will be due in full if the Certificate is withdrawn prior to maturity. Monthly dividends are paid into the Certificate. At maturity, you authorize PSECU to redeem the Certificate to pay any remaining loan balance. Funds remaining after repayment of the loan will be deposited to Regular Shares if you do not contact PSECU on or before the maturity date Automat c renewal of the Certifirnte oledaed cannot occur until the loan balance is paid in full. (6) If you have been approved for credit under this account, you will be given a specific credit limit. This credit union is federally insured by the National Credit Union Administration, Equal Cippodvnity Lender SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor r, F a n 3 R y '? r `. t ?, 1 Pennsylvania State Employees Credit Union vs. David J. Kepner Case Number 2011-6042 SHERIFF'S RETURN OF SERVICE 08/11/2011 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: David J. Kepner, but was unable to locate him in his bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant David J. Kepner. Request for service at 40 E. Locust Street, Mechanicsburg, Pennsylvania 17055 the Defendant was not found. Deputies were advised by mail carrier, the residence is vacant but mail is still delivered to this address. SHERIFF COST: $43.00 August 11, 2011 r„ Ce?.ury5uite S`•e?rf(. Te,eesoft. Inc. SO ANSWERS, RbN+l R ANDERSON, SHERIFF Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY ??ytµ= tr1 ?: azut3,?tr? _ ?l _, d Pennsylvania State Employees Credit Union Case Number vs. 2011-6042 David J. Kepner SHERIFF'S RETURN OF SERVICE 09/06/2011 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: David J. Kepner, but was unable to locate him in his bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant David J. Kepner. Request for service at 112 Juniper Drive, Camp Hill, Pennsylvania 17011 is located in York County. SHERIFF COST: $50.50 SO ANSWERS, September 06, 2011 RbNO"Y R ANDERSON, SHERIFF SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith ' Chief Deputy OCT 20 AIM €C?Tfrlli E', i Richard W Stewart Solicitor ;F t hF ,-Ep.lrr 3- ; L t Pennsylvania State Employees Credit Union Case Number vs. 2011-6042 David J. Kepner SHERIFF'S RETURN OF SERVICE 09/19/2011 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: David J. Kepner, but was unable to locate him in his bailiwick. He therefore deputized the Sheriff of York County, Pennsylvania to serve the within Complaint and Notice according to law. 10/04/2011 05:19 PM - York County Return: And now October 4, 2011 at 1719 hours I, Richard P. Keuerleber, Sheriff' of York County, Pennsylvania, do hereby certify and return that I served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: David J. Kepner by making known unto himself personally, at 112 Juniper Drive, Camp Hill, Pennsylvania 17011 its contents and at the same time handing to him personally the said true and correct copy of the same. SHERIFF COST: $37.00 October 18, 2011 SO ANSWERS, RON R ANDERSON, SHERIFF !c;: CounrySuite Sheriff, Ieleosoft_ Inc