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Home My WebLink About12-1377COMMONWEALTH OF PENNSYLVANIA COURT OF COMMON PLEAS NOTICE OF APPEAL Judicial District, County Of FROM DISTRICT JUSTICE JUDGMENT COMMON PLEAS No / -)-, 7 7 f v. NOTICE OF APPEAL Notice is given that the appellant has filed in the above Court of Common Pleas an appeal from the judgment rendered by the District Justice on the date and in the case referenced below. . ?• IYNNt UP L). J. ADDRESS OF APPELLANT CnY STATE ZIP CODE 3a JUDGMENT s tt-l'?E ? ??%T i+9ec 4a/7 e-6 Pry 17a?- DATE JUDDGMENT IN THE CASE OF (PI?iM%?? fit ?y d` ?j (? ended)' A 6-Wi e"' ?isl!YJ? r. C //I,, J J M-? 0'7-4-05- t-? O6b9O(1_2t)_ - 20 i/ This block will be signed ONLY when this notation is required under Pa. R.C.P.D.J. No. 10088. This Notice of Appeal, when received by the District Justice, will operate as a SUPERSEDEAS to the judgment for possession in this case. If appellant was Claimant (see Pa. R.C.P.D.J. No. 1001(6) in before a District Justice, A COMPLAINT MUST BE FILED within twenty (20) days after filing the NOTICE of APPEAL. -- SOnature of ADthonatary or Daputy PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE (This section of form to be used ONLY when appellant was DEFENDANT (see Pa.R.C.P.D.J. No. 1001(7) in action before District Justice. IF NOT USED, detach from copy of notice of appeal to be served upon appellee. PRAECIPE: To Prothonotary Enter rule upon fl:`.t1>16,X)''y ..' I ri 56vfL-E w p1getl ( reA E - &,l i 0/1 appellee(s), to file a complaint in this appeal !Jame of appetlee(s) (Common Pleas No. within twenty (20) days after service of rule or suffer entry of judgment of non pros. 41?6412_= .9 f? // _? / ff? /L 7 j ?y?tr ?c f of appellant or attomey or agent RULE: To:?e0 I?N)t/A4IA 71?1?t_ ?°"tpkyUS G/P iI44b,'} appellee(s) Afr?? c->4L/, l7l! Name of appeNee(s) (1) You are notified that a rule is hereby entered upon you to file a complaint in this appeal within twenty (20) days after the date of service of this rule upon you by personal service or by certified or registered mail. (2) If you do not file a complaint within this time, a JUDGMENT OF NON PROS MAY BE ENTERED AGAINST YOU. (3) The date of service of this rule if service was by mail is the date of the mailing. Date: f 44_rc k , 20 / '?)O_V: A- Z).. or YOU MUST INCLUDE A COPY OF THE NOTICE OF JUDGMENT/TRANSCRIPT FORM WITH THIS NOTICE OF APPEAL. AOPC 312-02 WHITE -COURT FILE TO BE FILED WITH PROTHONOTARY GREEN - COURT FILE YELLOW - APPELLANTS COPY PINK -COPY TO BE SERVED ON APPELLEE GOLD -COPY TO BE SERVED ON DISTRICT JUSTICE PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT (This proof of service MUST BE FILED WITHIN TEN (10) DAYS AFTER filing of the notice of appeal. Check applicable boxes.) COMMONWEALTH OF PENNSYLVANIA COUNTY OF ; ss AFFIDAVIT: I hereby (swear) (affirm) that I served ? a copy of the Notice of Appeal, Common Pleas , upon the District Justice designated therein on (date of service) 20 , ? by personal service ? by (certified) (registered) mail, sender's receipt attached hereto, and upon the appellee, (name) , on 20 ? by personal service ? by (certified) (registered) mail, sender's receipt attached hereto. (SWORN) (AFFIRMED) AND SUBSCRIBED BEFORE ME THIS DAY OF . 20 Signature of official before whom affidavit was made Title of official My commission expires on 20 j Lo Q -Z?Q d C Jo 1 I C:11 ., Q. ct- ?t l C *v -Ij V Signature of affiant COMMONWEALTH OF PENNSYLVANIA Notice of Judgment/Transcript Civil COUNTY OF CUMBERLAND Case Mag. Dist. No: MDJ-09-3-05 MDJ Name: Honorable Mark Martin Address: 507 North York Street Mechanicsburg, PA 17055 Telephone: 717-766-4575 Andrew Charles Sheely, Esq. 127 S Market St PO Box 95 Mechanicsburg, PA 17055 Disposition Summary Docket No Plaintiff Defendant MJ-09305-CV-0000432-2011 Pennsylvania State Employees Kelly Busler Credit Union Pennsylvania State Employees Credit Union V. Kelly Busier Docket No: MJ-09305-CV-0000432-2011 Case Filed: 12122/2011 Disposition Disposition Date Judgment for Plaintiff 02/01/2012 Judgment Summary Participant Joint/Several Liability Individual Liability Amount Kelly Busler $0.00 $10,242.67 $10,242.67 Pennsylvania State Employees Credit Union $0.00 $0.00 $0.00 Judgment Detail (`Post Judgment) In the matter of Pennsylvania State Employees Credit Union vs. Kelly Busler on 2/01/2012 the disposition is Judgment for Plaintiff and judgment was awarded as follows: Judament Component Joint/Several Liability Individual Liability Deposit Applied Amount Civil Judgment $0.00 $10,089.67 $10,089.67 Filing Fees $0.00 $153.00 $153.00 Grand Total: $10,242.67 ANY PARTY HAS THE RIGHT TO APPEAL WITHIN 30 DAYS AFTER THE ENTRY OF JUDGMENT BY FILING A NOTICE OF APPEAL WITH THE PROTHONOTARY/CLERK OF COURT OF COMMON PLEAS, CIVIL DIVISION. YOU MUST INCLUDE A COPY OF THIS NOTICE OF JUDGMENT/TRANSCRIPT FORM WITH YOUR NOTICE OF APPEAL. EXCEPT AS OTHERWISE PROVIDED IN THE RULES OF CIVIL PROCEDURE FOR MAGISTERIAL DISTRICT JUDGES, IF THE JUDGMENT HOLDER ELECTS TO ENTER THE JUDGMENT IN THE COURT OF COMMON PLEAS, ALL FURTHER PROCESS MUST COME FROM THE COURT OF COMMON PLEAS AND NO FURTHER PROCESS MAY BE ISSUED BY THE MAGISTERIAL DISTRICT JUDGE. UNLESS THE JUDGMENT IS ENTERED IN THE COURT OF COMMON PLEAS, ANYONE INTERESTED IN THE JUDGMENT MAY FILE A REQUEST FOR ENTRY OF SATISFACTION WITH THE MAGISTERIAL DISTRICT JUDGE IF THE JUDGMENT DEBTOR PAYS IN FULL, SETTLES, OR OTHERWISE COMPLIES WITH THE JUDGMENT. Date Magisterial District Judge Mark Martin pr1 h nryn I certify that this is a true and correct copy o the record o the procee ings containing the judgment. Date Magisterial District Judge Mark Martin MDJS 315 Page 1 of 2 Printed: 02/01/2012 3:03:45PM Pennsylvania State Employees Credit Union V. Kelly Busler Participant List Private(s) Andrew Charles Sheely, Esq. 127 S Market St PO Box 95 Mechanicsburg, PA 17055 Plaintiff(s) Pennsylvania State Employees Credit Union 1 Credit Union Place Harrisburg, PA 17110 Defendant(s) Kelly Busler 301 Westview Drive Mechanicsburg, PA 17055 Docket No.: MJ-09305-CV-0000432-2011 Page 2 of 2 Printed: 02/01/2012 3:03:45PM THE PROTH"O P'F 2gt2 MAR -8 PM 3'. 08 CUPENNSYLDVANIA T PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT (This proof of service MUST BE FILED WITHIN TEN (10) DAYS AFTER filing of the notice of appeal. Check applicable boxes.) COMMONWEALTH OF PENNSYLVANIA COUNTY OF jVdrR C 4W,Z> ; ss AFFIDAVIT: I hereby (swear) (affirm) that I served a copy of the Notice of Appeal, Common Pleas go. /Zh.men the District Justice designated therein on //( (date of service) Gj/ph '20/2-- , ? by personal service ;V by ertifie (rq@mtemt mail, se er`s receipt attached hereto, and upon the appellee. (name) 'n s hm'O.-k ! on 20 f -z- ? by personal service: by ertifie 4*is4efed) mail; sender's receipt attached hereto. (SWORN) (AFFIRMED) AND SUBSCRIBED BEFOREVE THIS ',%t/'t DAY OF lkj.altC tj 20 ?"G., Signoture f offi?before bo affid it was made Title of official My commission expires on i! L ' _, 20/x. NOTARIAL SEAL. am M. M MY, Nowy PW* Mec wksbm Born, CumbubW C& My CAmmbaba E)cp u Nov. 19, 2014 -?E°s ignature of affiant COMMONWEALTH OF PENNSYLVANIA COURT OF COMMON PLEAS NOTICE OF APPEAL Judicial District, County Of FROM DISTRICT JUSTICE JUDGMENT COMMON PLEAS No. NOTICE OF APPEAL Notice is given that the appellant has filed in the above Court of Common Pleas an appeal from the judgment rendered by the District Justice on the date and in the case referenced below. NPINt u rt??An I rrw?. uw . nv. Nntire yr v.v. ADDRESS OF APPELLANT CRY STATE ZIP CODE uA I E ur evOCiMtN I IN I Mt CASt uF Iv W)n ?uerenaanq ? ? ? aw•.!4.y^ a ?;:d?"w ff'`t"Oi,??''?ZSl1gk' a ? °3 ? ? ? -. ? This block will be signed ONLY when this notation is required under Pa. R.C.P.D.J. No. 10088. This Notice of Appeal, when received by the District Justice, will operate as a SUPERSEDEAS to the judgment for possession in this case. M. appellant was Claimant (see Pa. R.C.P.D., before a District Justice, A COMPLAINT MUST BE FILED within twenty (20) days after filing the NOTICE of APPEAL. PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE (This section of form to be used ONLY when appellant was DEFENDANT (see Pa.R.C.P.D.J. No. 1001(7) in action before District Justice. IF NOT USED, detach from copy of notice of appeal to be served upon appellee. PRAECIPE: To Prothonotary Enter rule upon ' (Common Pleas No. 44rfr ap ilee(s to file a complaint in thi appeal Name of appellee(s) within twenty (20) days after service of rule or suffer entry of judgment bf °ncirt°}rs. d r of appellant oraY or agent w.. RULE: To ?; 1 "art d 4 ,? appellee(s) Y, Name of appeUee(s) (1) You are notified that a rule is hereby entered upon you to file a complaint in this appeal within twenty (20) days after the date of service of this rule upon you' by personal service or by certified or registered maii. (2) If you do not file,a gomplaint within this time, a JUDGMENT OF NON PROS MAY BE ENTERED AGAINST YOU. (3) The ddte of service Of this rule if service was by mail is the date of the maRing. Date: q?C .. ?? .,? ? ofP `ray vryix 9 Tr YOU MUST iNGLUDEA, COPY OF THE NOTICE OF JUDGMENT/TRANSCRIPT FORM WITH;TMS NOTICE OF APPEAL. AOPC 312-02 Signetwe of Arothaldery aDepuy WHITE -COURT FILE TO BE FILED WITH PROTHONOTARY GREEN - COURT FILE YELLOW -APPELLANTS COPY PINI(- ('nPV TO RF SFRVFn nN APPFLLFF GOLD -COPY TO BE SERVED ON DISTRICT JUSTICE PLED-V iCE Gi r s PROTHO€JDTARY 2 12 JUL -9 tl 9 43 CUMBERLAND COUNT,,, pEN' h SYLYAt,,A BARLEYSNYDER Shawn M. Long, Esquire Court I.D. No. 83774 Matthew M. Hennesy, Esquire Court I.D. No. 307020 126 East King Street Lancaster, PA 17602 (717) 299-5201 PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff Attorneys for Plaintiff Pennsylvania State Employees Credit IN THE COURT OF COMMON PLEAS O CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW V. KELLY H. BUSLER, Defendant No. 12-1377 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 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 ente against you by the Court without further notice to you for any money claimed in the Complain 35428591 or for any other claim or relief requested by Plaintiff(s). You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LA IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE 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 3542859_1 BARLEYSNYDER Shawn M. Long, Esquire Court I.D. No. 83774 Matthew M. Hennesy, Esquire Court I.D. No. 307020 126 East King Street Lancaster, PA 17602 (717) 299-5201 PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff Attorneys for Plaintiff Pennsvlvania State Emplovees Credit IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW V. KELLY H. BUSLER, Defendant No. 12-1377 AVISO PARA DEFENDER Conforme a RCP No. 1018,1 del PA LE HAN DEMANDADO EN CORTE. Si usted desea defender contra las demandas dispuestas en las pdginas siguientes, usted debe tomar la accion en el plazo de veinte (20) despues de esta queja y el aviso es servido, incorporando un aspecto escrito personalmente o 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 sin usted y un juicio se puede incorporar contra usted por la corte sin aviso adicional a usted cualquier dinero demandado en la queja o para cualquier otra demanda o relevacion pedida Plaintiff(s). Usted puede perder el dinero o la caracteristica u otra endereza importante a 3542859_1 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 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 Ql 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 35428591 BARLEY SNYDER Shawn M. Long, Esquire Court I.D. No. 83774 Matthew M. Hennesy, Esquire Court I.D. No. 307020 126 East King Street Lancaster, PA 17602 (717) 299-5201 PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. KELLY H. BUSLER, Attorneys for Plaintiff Pennsylvania State Employees Credit IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 12-1377 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, Kelly H. Busler, is an adult individual with a last known address 301 Westview Drive, Mechanicsburg, PA 17055. 3. On or about June 23, 2009, Defendant entered into a Loanliner Credit and Security Agreement and Loanliner Addendum (the "Agreement ") with Plaintiff for the of a2008 Chevrolet Silverado, VIN #3GCEK13M78G194036 (the "Vehicle"). A true and 35428591 correct copy of the Agreement is attached hereto as Exhibit "A" and incorporated herein by reference. 4. The loan disclosures included the Loanliner Credit and Security Agreement Loanliner Addendum states "[y]ou promise to pay all fees and costs associated with 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...." 5. Plaintiff's perfected security interest in the Vehicle is evidenced by a Commonwealth of Pennsylvania Certificate of Title (the "Title"), a true and correct copy of which is attached hereto as Exhibit "B" and incorporated herein by reference. 6. Defendant defaulted under the Agreement by failing to pay the monthly when due and is currently due for the months of May 23, 2010 and thereafter. 7. Based on Defendant's default, Plaintiff repossessed the Vehicle on or about 14, 2010. 8. By letter dated July 15;, 2010, Plaintiff provided Defendant with Notice of Repossession and Right to Redeem (the "Notice"), a true and correct copy of which is hereto as Exhibit "C" and incorporated herein by reference. 9. Defendant remains liable to Plaintiff under the Agreement as follows: Principal $10,242.67 Collection/Attorneys' Fees 1,200.53 TOTAL $11,443.20 plus costs of suit. 10. The total amount in controversy is less than Fifty Thousand Dollars ($50,000. exclusive of interest and costs, and therefore is within local arbitration limits. 35428591 2 I L Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., Defendant may dispute the validity of the debt or any portion thereof. If Defendant does so in writing within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will obtain and provide Defendant with written verification thereof; otherwise, the debt will be assumed to be valid. Likewise, if requested within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will send Defendant the name and address of the original creditor if different from above. WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union demands in its favor and against Defendant, Kelly H. Busler, in the amount of $11,443.20, and costs of suit. BARLEY SNYDER By: Shawn M. Long, Esquire Court I.D. 83774 Matthew M. Hennesy, Esquire Court I.D. 307020 126 East King Street Lancaster, PA 17602-2893 717.299.5201 Attorneys for Plaintiff 35428591 EXHIBIT "A" 3542859_1 06/21/2009 29:08 7177. 54 LAWRENCE CHEIIROL't PAGE OW 12 ?i E Application, Credit Agreement, P.-S LW- and Security Agreement Applicant KELLY H BUSLER NIA Co.Applicant Naf to Appiltant Monte XXX.XX•8014 SeotatSeetirityNnmbor X68 Birth Date NIA Social SacnrltyNatmbor "MMOS415 5350 NIA 84104 p114110 Work ?Phone Sawa Phone Add+tss Line it 701 WET!"A mrDRIVE Address Line It WA Address Limo 1: City: MECHANICSBURG sintat PA Zlpt 17059 Time at present Address: t0 Years 0 Mantles 141mrslns Typet Own -mtg iiottlhog Pnymam! 559$ 0 Employer: PIZZA GRILLE Title: NIANA031k Tl ne at Pmplayort 3 Years 0 M01109 Annual Iacamol? Address Line 21 NIA City- NIA WA Birth Date N/A Work Phone State: NIA Zip: N/A Time at present Address: N/A Years NIA Metitbe Flossing types N/A nougat PPywents 5 NfA employers NIA TitlatVA Tina at Etaptayon NIA Yeas NIA Months Annual Incamtt S NIA Onrar Amnuai tnenmo: Other Annual Itmamaw S N/A. kwa2 cbtddwpporlerasp°t°t°?sstenm?aehcnmenecdnofberm/wledrjyan ? Irasha errs rvarrapawa/asamsnral==Pocdnifutravaaledtryoudoode%rhb dd not ivish to bw h asnOddtwd Source of otherlnegmo: CHILD SUPPORT Mnnihiy oblip iatl9 for allutosty, 0111. support or other caws-ordered pnytaontvt $ Cheeking?ttmo Savfugs7atruo Bnnl rttptcy in tha lastflvayears? 111110 GStheonshfp Status: US Citizen Soureo nfOtbor Incomes NIA Monthly obligations for alimony, obild support or other cadt9.Ordond pa7monts: $ N/A Cheaking?tNIA Savinga7tNiA Dnnkrnptay in the last live years? NiA Cltiraoshtp Statute N/l1 Auto Loan betidI s Tatnt AwmatRequestath 138499.32 Rapayment Mdhod: SOhcdWad Auto Ttoasfar Repayment Frogaopcys Monthly tnearesf Rttot 1.490 % Parent 04 Paydtatsts ADDlleant and Co-AtznlicantAffeenuonts th the Ponnsvlvanla Sttrta Imulttve:a C?redit_Union Read the LOANLINIERda dfsulont "provided to yam by the daabrsliiff. Plemastgn and date. You pramiaa tha veaglhtag you have sated In this npplictitfaNoaroilt update Is eoaaat t0 the beet of your ktmwlodge. tf them an any impanont dma)pss, yon will notify ns In writing Intreasmly. You n thoriao the Credit Union to *Afn ermdtt reports In comerx1lon with this application for atedtt/eaedh update oval my Want update, ma wal or extension of tho nmdlt molsed. Yon understand that the Omelet Ualon will lay on tho inf rwAan in this appilostlovdaradit uptlnte and your am& roW to tmkr its dacledoo. If you Mow, the Cmdit Union n111 tan you the name and addaan of any oracle banton Erma width it vicegived a 4"t npod Oe you. it is o tockof edhno to veltifxdly and 'i dolibwlely provide lnconiptoto or Internet h*rmatlon on toad appOandans made to tbtkrd otadit unions or solo-ohmerad =Wh unions favored by WCUA. lrytu arc appfytng for n LOANILINER6 aaaount, you name you 1mve soealvcd, road and Am to bo bound by the LOANLINIM Caedil dhd 9detulty Agmp nf. Including the Addendum ("Agxcdnent"} If you an opplllbg for a LOANLIMMA aecoraW yam Arent as a seenrlty Interest in off Individual and joint share and/or depatit accounts yam have witb us nosy nail in the i Mena to noun what you on tender the ARrocatant. If you tyro In dafavdq yon autbadan at to apply flat balance in Mesa amtmatt to any "Mom data. shares I, and deposits in an fadlvldual Radramoat At eouot, end any other account that would lose Spec let ha ttmntmant under state or "ni Tow if gisea as seeadly, an not sebject to ibssecurity Intonst you have glean in your piers. and dePuRI6 lrthis is to application far joint credit, APpuamniyyyTI ea Applioaak seek agroa Chat no IntamU to apply forolea credit (slgm below), mmP tsep to my Ma gic-d (the ps. plkga owlelp that i net dllglbla fir toombarship In P39CU0 and i prooAo to dshhi sh mcmbership with P5..9CU as d is F Ddt-o Thls wells union Is fbderatly insured by thq National Crgdit Union Adeninfatratlon. Equal Oppormnlay Laadcr. NNED 06/21/2009 23:08 7177 154 LAWRENCE CHEVROL:, PAGE 0612 Authorization to Electronically TkamsRnit Loan Proceeds to Dealer please select one of the following fuxlding options for application 823515$: IM Please electronically transmit $38,499.32 to the dealership Indleated on the Bill of Sale on my behAV for the purchase of it 2008 Chevrolat MVERADO, VIN 3GCII,K13M78G194036. I understand that the loan will be set up for 84 payments, the repayment metbod will bo scheduled Ants Transfor, the repayment .frequenay will be Monthly, and the interest rate will be 7.490%. Additionally, I understand that PSECU will sand a LOANLDMRO Advance Proceeds Voucher aced Seourity Agreement to the via U.S. mail after PSECU receives the completed loan package from tbo dealership. Meng the precasts or by ruing the arnd2 advon=d end depot your obaWslu?ro vela 8000110t, you curse e) teat tae i? d above will aacaro the advance and any other advmow you Iurva nmv Or receive In the future under the LOAN 1N8RA credit 0 Agrcarrtera (dto than) and any other antouna you awe w wr any roson sow or In eho !have in acaordaaco vdth the terms of the Men If this on Appliratle'r, e t credit, Applicant and Ca-AppliCant 62411 apron that we ieteted to apply for Jalnt credit. Uwe agree to be been the tar t forth heroin fur use or ilea pruMdS of meh emM (elpa 9 IMI. ?, YHltriy4it2 erne. y q ^07 .. OR . F] Send me a PSECU AutoDraft to my address Of record. I understand that I trust return to the dealership wit)) the AutoDratl: tit purchase the vehicle and that the loan will be funded by PSECU once the dcalership has deposited the AutoDraft and submitted the necessary supporting documentation to PSECU. Additionally, I understood that I must complete the AutoDratt In its entirety fvr PSECU to fund my loan, completing the amount to be financed, adecting a lone term, choosing a ropaynimt Method, and providing PSECU with any other required infortnation or assistance necessary to complete the ttaasection. irthin is on aWlestioe for J4un credit, Applienat and Co-Applicant each agree that Re Mond to apply for joint credit, I)wa agree to be bound by the tereu set forth homin for utse of the proeaods orsuah veadit (ttgn be12w), x K6t.LY It"Us"It This credit anion is federally insured by the National Credit Union Adrainistratidn. Equal Opportunity Lender. NNED . Pennswl yania State' Employees Credit Union P.O. am- 67018 1 _ Harrisburg, PA 17106-7013 1. (7tn 234-8484 Harrisburg. (WD)237 7329 Nalronwid,, PSEC Loan DiJas?ures. a s , This LOAN U ER Cre dit and ,5ecunly Agrearitiant whidh.it+Diodes the TEutb 1n : CRiorr. INSURANCi i. rredit Lre antifer cretll( iiis8bibry Y(isurat?p ls.p i " ? .- =..--- .._,. ? ._._ rt:.Dian-Shit Pfan t9oCuments indudeillis underAj?e.Plan.if you duill*itu an0:purChtlsa tAeJrisu®ttceYrom ur yop'eu ze . o,r the Plan Credit union,we ourand us mean PSECU or anyone to whom- e Credit. Unioniranslers Its rights underthe Plan HOW THIS PLAN WORKS This Is an open-0nd,'trttlt4-featured oredit,plan We .. (caged 'advances') unCar. anticipate that from time to time;.yoU W8i 04irow, money, f the Plan.- Wepre.not required to make advances to you under 11he Plsn-and can refuse ..A rei4tiest for an advance .9t any time' . The Addendum-'describes the diflarent typeset credo (called 'suba courns").avanabte undei the Plan, the current Interest rate for' each subaccarnt expressed as a daily periodic rate and y 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 cre ilmk on certain subaccounts. If a credit limit is set for a subaccount, you promise not to exceed the established credit limit. if you exceed the credit. fimit, you promise to repay (mm,edistelyahe amount whbh exceads the creditfimiL REPA'YMEXT.•=- You promise to repay all amounts .you owe under'tbe.Ptan plus interest. Payments are due on the last day olihe month unless we set a differeni day at the* time of an advance.. If the .Addendum tuts. no payment.-i:ehadufe 4or a' z subacunt,, your paymen(;wiil. be determined- at: -tile'. tl&e of each : advance. i Payments. roust Include shy amount past due and any amount * which you have j eiccee-ded.any credit limit yoit heva been given for a strbacoourtl: Yeti may-repay atl. or pan .of .what you owe at -any time will-out any prepayment penalty Even Wyou } prepay;. you will stilt be :required. to make the. regularfy `scheduled payments unless ! we agree In writing:lo a change in the -ptiyment schedule. if you have a joint` tI sharedialt account, you wig ba.j responsible for paying all overdraft advances 1 obtained by a JgInt.holder of the sharedratt'accouni. Unless atherwise'tequired by I :taw, payments wUl ba applied to amounts awed under the Plan; in the manner the l" Credit Union chooses. i PLAN ACCESS . You can obtain credit advances in any manner.authonied by us if we allow you to use your ATiAIDebit card to access the PlaP yyoout+may be )table forUte l unauthorized -use of your TA/Debit-card. You will not be gable tog 4nau0wrii d use thatoocuis attJSr;you Hotly us'oragyoYinWiling of tfie__bss ,then or.posslbk. is tire. wCtidrawalls troop a. Shartrdratracc,0, Your7tabg(ty is govamed by.the Regulation IS disclosures you received at.thi.fi ne you received'ytwr ATMLDebir curd, even ilthe is wjthdrawat-msLi*s:(n an advance'biMd made: from jmur.overdr . -subacaount. . FINANCE CHAiIGE.?-Tile doll ar arnountj you pay fill money borrowed is called a. 'finance charge"And begins'on the date of eatdtadvanc& A finance charge vAll be i computed separately for each separate befanca under the Platt. To compute the finance charge; the Unpaid balance for each day smoe-your test payment (or since h t at made a a menu) Is multipged by the app'geabte dally us:to'•add the :Itisuraace Premiums ntonthfy. to your ten balance and !3ta[ga u.... fnlaiest en.the entire balance,..71 > W elect. credit Jnsuragoe . jieur payyrnonts ay iriem.ise.or.Yhe;periodof dM,B riecessary-io tepayyoiuadtram:amaybe ezt ed. The credit insurancentet3?r yeAangedtiringthePlan.(rlhe-reteschange, wUl provide any. nolices:required by-appikabie,iaw. PERIODIC,STAT'EIIAENT - On a regularbasls you will receive :a statement stiN ng all transactions under the Plan :during the period covered by the -star nt. , Statements and -notices will be sent: to you at the most recent address you ivi given us in writing. Unless applicable' law requires notice to each Joint. borro er. notice to any one of you will be notice to al(. L JOINT ACCOUNTS if this is a pint account, each of you is Individually and ntty responsible for paying all amounts .owed. That means we can enforce out hts underthe Plan against any one of you rttdividuaityor.against all of you together.) you give us Inconsistent instructions, we can refuse to ttifte our Instructions.Untes our written poky requires a$ of you to.signbr an advanced eacti,ot yo' d authertze the otber(a) to obtain advances indOduallyand a ;to repay.adviitces made t the other(s). Any pint accountholder may ierminale the Plan by givmg.us prior w lien notice. It any of you terminate the P!an, the `Plan is terminated i& all : of you. You remain liable'. individually'and:pittty for all advances incurred before terminatio FEES AND CHAR'GESi( you gore: us a securfty Interest in. Certainty of property, we may.oharge you a 11ffing fee;td perfect our interest 'In theprop?rty we , . :"do; the emountot.tha lee will be diadoW.1oyou at tbetime yo .atitaln an'ad cll. "` We may also charge "you adluiti fess'in contnadion-with the Plulour current is are ' disdoeed on the Addendum and will be added layourioan balance unless : pay > them.in cash. .UPDATING CREDIT. INFORMATION Yowprorntsethatyouvygl.ptorrtpCy its written. notice g:you. move; dtarrgevyour Hama ur.erriplrtiyrhertl, or if lefty then intbrmat(on you prgrided to'ua changes. Upon our regtirzst; you also ag 10, powide, us updated'1lnandal Information DEFAULT. The.fogondrtlg l nragraph app !as to bomowers:fn Idaho,. SAS tNafns"and Snttth t;arielbra:You wig fie in tlelauk g ydtdo 1,ot tnibte a PaYm t of she amount required vlhen''n Is due. You .t' also be rd deda6lt l[ war the ,. - ,prospect bf'p it.partortnanwor raagz8tion on arty prt>jter[y gMen as s drily. n : (s signitica inglawrad FAe fo11aW1ng paragraph applies onlyYe darro?i ar3ln wise nsfn You will m defautf it you left do:make.•.9 psymenn when dtte; lvro lfines,chiring ally 72 onth " period.You.wilI beiiiietauhijaieekiri?jariypFOmbtie-rnttdaunderlnePtanmat dally'- impairs your abNity to .repay what yeti owe or materially impatrslhec, III n lue. or pmtecilon of dr our right in eCry property you gave as aecttriry The following paragraph applies an/y to borrowers ln':lowa You wUl e.in default g you are more than 10 days late in making:a payment You ivuf 800 111 in. default if you do not ciomptywith the terms of the. Ptatr.And ypilr failure to,. ply materially impairs any propeetyyou gave at: :security aryoural?ifily to repay w you an advance if you eve no ye P Y periodic. rate. The sum of these amounts Is the finance charge owed. The balance i used to compute.the finance charge is the unpaid balance each day after payments owe under the Plan. The following paragraph applies to borrowers In aft,oifterstates You wig i and credit to that balance have been subtracted. and any acidttibns to the balance. we may charge other iimnce charges wMch W interest ddili I default if you do not make a payment of the amount mcluiredwhen q Is due. Yc made under the Flagg or It arryM be in default it you break any promise .you , oR n a tI have been made. i are disclosed on the Addendum. It the Interest rate is a variable interest rate, the. _ I defauir under any security. agreementrtlade in connection with an advanca { Addendum'rntplains how the. variable interest rate.wdrks. SECURITY-You pledge as securdy'for the Plan alfsharesand dividends and, if any, 1 the plan. You will.be In detauh If you do, fie for bankruptciq. become insolvent, make any false or misleading statements fn anyeredit *11catidn or update of duce r n"If b r all deposits and Interest in all joint and Individual accounts you.have with us now and. ecific dollar amount is Pledged for an advanw. we will lroeze -s In the lutu a It ' I y e sta 'information, or if sonied*ng happens we beffeve mtpr sn abgily to repay what you owe. YOU wdlbe in default g any ptoperljr you ttatre p a , . shares it that account "la: the extent of tha outstanding balance for :the advance, . Otherwise 'your pledged shares may tie withdrawn unless you are in default. The us as security Is repossessed by. someone site. setied under.a fortehure. of s lew,.ortt anything else happens that.sid -11cant1y effects the value of the props a M d h t ' following-paragraph applies fn'atf states' except to Ohio; Rhode Island and Massachusetts: Via have a statutory lien on the shares and divideridsand, if any. Cie ,: n if you re e Pt dofauh under t our security interest in it.YOuwia also be in .,.under any other`.loan agreement with us.. deposits andkiterest•in a!) .individua) and joint'acooUnts you have with us and may ; ACTIONS AFTEf7.DEFAULT- exercise our rights under the lien to the extent permitted by state law. (We are state 1 chartered If our name does not include the tern[ "Federil. Credit Union'). For all : w411'aflow us to apply the funds d l or u i n : Colorado, District of Columbia, lows ICansae,.Nalna, bfassaetieisetts, Mls ' Nebraska; South t arolhw and Mist Virglnls. When you are in .default ant it ltcable state'law to cone your default r a und v ge ya r p e df en a borrowers The statutoryl in your account(s) to what you owe when you. are in default. The statutory lien and , pp e e exp ration of any tight you ha demand immedtnte payment of .the enure. unpaid balance under the Plan w. i your pledge do not apply to any Individual Retirement Account or any other account that would lose special tax treatment under state: or federal few it given as security. giving you advance notice. The Ibifotving psragraph.appNes toborrowers In a0 otherstntes axr ept'Wlac Addiiionsl security for the Plan may be.,required at the time of an-advance . It a and Loulslins: When you .are in default, 'ice can require Immediate "pa j subaccount identifies a lype of property (such as `New Cars) you must give that type of property as security, when you. get an advance under that subaccounI. A right- yb (acceleration) of the entire unpaid balance under the:Plan.You:waW any t to demarid.for.paymenf, notide of intent to aceelerate'and toile a of atxeietatton subaccount name such as. 'Other Secured` means, you must .provide security subaccount. Property you ` acceptable to us when you obtain an advanceunder that The following. par?raphs apply to borrowers in all states ezcepl W(sconsl Laulsiatta: If Immadiate payment is demanded, you'wll! e6mUnue td pay intete( give as security will secure ail-amounts: owed under the plan.and all other loans you, have with us now or in the future, except any loan secured by.your.principal dwelling. ; weal you owe has been repaid in Cie applicable interest rates in effect or. If appil f Property securing other loans you have with us may also secure the Plan. 0 CUMA MURIAL 0061. 1980:1006, ALL RIGHTS RFSM-0 - - - . a CPSIA31 PSECU FORM - - - - - JBXXD00"i-20$7405 >e in r will Z in er till YOU redit . your oven Hirer:` fault. rs 1rr':; ' out*[, after can (n tni :. ve nd nfii. 1 (8106) LSoeurirv Credit Aereemenr (continued) ability to exercise our rights later. We can enforce this Plan against your hei nd d on the Addendum. If a demand for immediate payment legal representatives 11 we change the terms of the Plan, you agree that this LOA at theNLlNEdefaultf3 rate Credlr discl aose p towardswhat ,you, owe will.eontlnus to. protect us. n. has been made, your shams. clied -S a Can beapplied as provided in the seetion'above we celled "Security" We canalsa exorcise arty other , 'CONTINUED EFFECTIVENESS- If any part of this Plan is determined by a rights given by law when you are In default. , . - - - to be unenforceable, the rest will remain In effect. You agreethe Credit Union has the right to take possession of any property given tJOTICEeet Q Detwe n yo and tho.Credit Union, This written agreement mat as security under the Plan, without judicial process, It this ran be don ti i aanBt butted agreement entitled by evidence 01 any oral agreement breach of the peace. If we ask You promise to deliver the property' w i place we choose, If the property is a.motor vehicle or boat. you agreel'that we may . ke'lallowiag is required by Varmapl isw - NOTICE TO CO-SIGNER Y' 1 obtain a.key or-other device necessary to unlock and. operate it, -when -you are in SIGNATURE ON THIS NOTE'MFANS THAT YQkIARE;EI1l)AI:tY LIP default. We will not be responsible for any other property, not covered by:ihia 'FO.R REPAYMENT OF THIS LOAN, !F THE BQRADiNER, DUES NOT t Agreement tool you !save inside the property. or that Is .attached tcithe properly.'We . ! will try to retum.that property to you or.make A available for yeu.to ofalm. THE LENDER HAS ,A LEGAL RIGHT TO COLLECT FROM YOU Aber we have possession of the properly, wa can sell Rand apply the rrtOrreY many The'foliowing. paragraphs apply It you give secuft.in. connection wit I amounts you owe us. We will give you notice of any public-dispadtlon or.tiwe date alter -adtiancer undsrftne Plan. They apply to borroWers in all states exceptd-culi 1 which a private dtapositton Will ale held: Our expenses for taking possession of and Laulslana .borrowers will.exaeute a separate ;security agreement. 13brrowe j selling .the property will be deducted .from the money teceh4d irom'the sate: Those _ "other, states they also bees . ked to exam. 'a separate Svcuriy agreement costs may includethe costol;storing Nte;properti prepwingftibr"le and•atlome}y§ E SEGIIRIM FOA THE PLAN You give us. what is known as s - se, lees to the eirler0 permitted under state law or awarr d:undar the diantauptcy Cdde ;intareyt tin. ;aII p arty dasoritied In ar i.»odiik voucher or tuber doormen r 'You-most pajj.arty amount that remains unpaldtttte? the: sat@:rttoneyhas beer' appled, -',;adefvs.. ran :advance t"the :Advance') :The seoerlty irnerest you give )riclud to 'any unpaWTaatenm under the •Pfaa.YCU agree td,pa}i.Tniriraeton.that amount at ilia ttaxssions AcceseG its are thlhga whkti;are.attaehad to or lnstalledirthe prq same rata'as Ci . or, in the fdufra,:,, 6 sacurtty fntefest aiso,9^cltides srq:replaoepleents, is ! The advance. or. k' applicable. at 'ths. defaultrat$ disebsed on the R ays of the Advsrtce pr any eztenslc+ns ;*en j Addendum anti that amount hoc been paid: property whfch.yY ou.biry within' 1.D d nrturles a . receive from .s i trs on ro Wiseorrs%rt borroweer Witetrt you orate :: or renaricIn9 of tta; Advance: Tt a!s4 i nto r The folbavln repo eFPi N nY .; . e•p?oPertY or fro m.irtwrartce .you have ten the property it the value of the; prc 9 Para9 r datauh and e11er expiration of any right you have underappliwtfla5tate lewtDiaNa you 'V! as occur it a .tlo f dotauk.We may require immediate payment of yotlroutstattdFng lean batariFe'underQ?e ,decades. you prgvifse to gore us. more .Dearly it) . skedto so. Plan and seek possession of property ghIen as security. You may vokroladly. t?'?. tfyyATTHESECU INTEREST COVERS(CtiOSS.COLLATERA.1. PROVIS property to, us y.yott cttttose, or we may seek to take pgssession of the property by -. The wWrityinteresI si.res-1he Advance deserlb? In the:recegit,.. usher i r juolclal process. 'h via repossess the pdtpetty you agree to payreasortabfe Expenses other.document you-receive at the time of the AdweriCe and any ercterisions, ren i incurred indisposing of the properly. 11 the property is a motor vehicle, roobge home; or refinancings of the Advance. It alto secures ary-other.advances-you have trailer, srtrnvtnofnge, boat or aircraft, you wig also be requir.pay any costs.pt>ttmflted .. or:»oeive In the tutus under the Olen and any ;oilcan amount. or I by Secoon+122.at3 of she Wisconsin Statutes. You musl.payany amount Cratremains including any credo card loan, you owe us fer.anyreason now or in theeu unpaid alter.fhe sale money has been applied to what- you owe under the: Plan. Yeu .except any ioan.securetl by your:prindlpel.raskfenee. N the.property h` 1 agree to pay interest on, any unpaid-amount ai• tine :same rate as 7tefadvance or C '90069 as. defined, by the `Federal Tradtli Cotrtrriission Credit Practices Rut f aPP!icahte, at'dta default rate disclosed on the Addendum, unM that amount Is paid property will secure only the Advance and not other amounts you owe If the Property is :located -outside WIsconsth'atlhetimeof defauh,we may tak?., O{NNERSHIP.OF711EPROPERTY ;,:Youpromise thatyouownallproper giYo as security or R the AdVartce is_rotnry the properly you. promGe yeti w possession--of the pr?erty wiCnout ludklal,process TI parmltta0 fsgaha state where the prapetty is located •va Advance for.1hat,puroose. You aromise thatoo •ona else'[ias any ktwm me foil.: . l paragraph applies only to1vuts)Ona borrowers When you are in halm against the Propel j default, we can require m mediate .paympr (acceletation) 'of e ,an. unpaid: ' to.seg ix lease the prop batariceunderthe Plan you.mref" any tt9rd you have-to. Mand'torPAYntant rtotoe' tuaU the Advance is. rap of Irnteht'3o., accelerate ,and notice of accetaration H :i mmediaft "PaYmPt Is. •. Gan to attach to foe pnaF it Noiat you Owe icesbaen+?a pafd at jAGPEAW 1NSUR' AN demanded, you will C6Wintle to,Pay fnteredi tint the applicable interest rates in circa unless a. default rat, 'itt disco ad on the lnsuranoe'ona@properfi Addendum, N a demand for-immediate payrtienl.has:been made; tits sfiates.and the properly insuralioe deposits given as security for the Plan can be appged towards What:You'owe: We:' . LWun.Tho amount and ` can also exercise arty other rights given by law when you' are in dalairQ and our _ us, You maypreMds thr rights under any security agreements you have wifh.us through.a poticy you Q CANCELLING OR CHANGING THE PLAN - The loA0wlrry::para9raph rPP/W : payable to its and to rle Doty to borrpwera fn I R1no/s: We have tits. tght to .change t}ie lances of the,Pfan Irani ' II ? cancel your incur, ltime to time after gin tag You .arty atfisanca notice required by IavV Any chempe fo Etta :proP?y is lost or dam wttareat rate or other charges will apply la future atlvences propY or apply-it town f. . I The Wowing paragiipir apptreg only; m borrowers ;fn y wiwiairr,l i can:- ilwak which may,IJ P? I Change the terms of the Pian from time to ikr(e rnaccbrdarfee whit Secfknn 22lit5; due undei yodr.ittsttrar col lhe•Wisconsin Staltass:.Yotiwll be,ndvt`any ohanpe jn:tortlts. Ar.inixease,. 'registration tees):due ct in the daily periodic rate under'a varirttile rate Iriterest:reta.js not oorisidetod :.ffyotrdo,riot p>}yihe:taiir I change in terms under tea Plat': WO -dw cancel ihe-entire PYan or Any pad or In. ' ? Cnede abhgaftorte Tin I' Plan 'at arty rirtte 'YO may cancel # *Plan ar only 8rrie^hy.'gtVmg us prior itirittan .:keis m irtsurarfoo w11 b0 t notice. Your obggaWrF to pay the unPaidbalaitoes,urderthe terms of 1401an. ,' inletesionthose +urtoun continues whelher.you or the.8redit union rancetthe •Ptan, except to the eirienhhat - 8 p n15Jncon your liability. is lirmtited by Section 422.4155 of the llVlrsbortSin Statutes insurance. We.mayMon r bwrotvarsin town' -vie can change the other bonowers.have coi or I an urn lot riot JR. LE 4Y, an na. tin city you'. all. E 9tty .the rats . King Brly INS any vale now ins, u re, hold the YOU use nor':. that yeti t1avA rrot aireaey..tola us aotwr rvu Wv' no . I lyor tq use :g 8s security for a kianwith-another 6 or 1. You pronilise'Yotr wilt allow no other security .itde star tytfither by your acCons or by operalon of law. ti TAXES ANDr FEES' = ibu must maintain 'pro arty -jet you.giya as sewrtty under the Alan You. may pu 11.40 im anyone;.ye, u vhbae who is•acceptabie to the redlf trelage ot:the,propetty insurance must be-accept le to. iroperty Insurance through a poecy,you already ha a, or and,pay':tor. Ybu promise: to make.'the irtsurante ogCy. . Br lha poriey or prop( of cbvorege to.bs'il atiked to d so. ce and gala refund, we haven a rigor toihe refund. Mo. ; lets. we can 1. tha insurarice. sirftmeM. tq re the Is'what ybu owe You.authottze lt.4:to.Ondorse eny d ft or 616Adyoa in_old,ir 16if va'to ooilect any retutul arbe fits':.. i pogcy You:also plotnige to pay ag;IsXes and fee (like he property. you. 'fit 't r. axes; m . tt?Y._• ay' s the rand teats rude lance o'the count ante. in Ole ante . ivied and r the have n the I. You ; TTre toNowing paragraph apples on y o i terms of the Plan from time to time after 9MrI6-you any advance notice requrred bY. : brmayergageoihers:to do so.The Insurance charge added loan advanceiriayi A change that Increases the rate. of finance charge or other. charge that ' taw ..(t) the insurance otmparprs payments tows and (2) the oosrofttetermirift oomf . increases the amount of your payments, or that otherwise adversely 6flW%'extstin9 to the Change or you:us8 balances only it you agree tin i l with the Insurance requirements It we add amounts for taxas,.iees or insu2nce unpaid baleme of an advance, we roay.oacase your payments to pay tine it . g y to ex s balances will app the Plan after receiving notice that your use of the Plan :means you agree the added within the tarm of the Insurance or approximate term of the advance. charge applies to existing balances. INSURANCE NOTICE - If-you do .not purchase the required propertyinsu The following paragraph applies to borrowers in all ether states: We have the any advance rms of the Plan from time to:gme attar giving you t t h the insurance we rosy putehass and charge youior woo-cover only our interest insurance may be. higher because the inst property. The premium for this . e e right to change t notice required by law. Any change In the interest rate will apply to future advances; . a company, may have given us the right to purchase Tnsue after ink nd at out discretion and subject to any requirements of.appficable taw, will also collateral. Is lost 9r'darnaged..The Insurance will not be liability insuranc I apply to unpaid balances. Will not satisfy any state financial iasponsibility or no fault laws. i The following paragraph applies to ail tart Wisconsin borroaiers: An increase In PROTECTING THE SECURITY INTEREST - If your state Issues a Title I i the daily periodic rate-under a variable Interest.rate is not:consktered'a change in terms under the Plan. We can canoa!'the antis Plan oc. any, part d,the'Plan"at any property. you promise to, have our security nieces[ shown on the 11118. We ma' to file what is called a financing statement to protect our security interest trr time. You may cancel the Plan at any time by gyring es,prior written notice. Your claims of others. If asked to do so: you ""promise to sign a financing statemei obligation to pay the unpaid balances under the terms of the Plan continues whether ' also promise to, do whatever else we think Is necessary to protect our s you or mo .coda union cantol the Ptan, f Interest in the property, You promise To pay all costs, Including but not limited DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN - We can delay :I attorney lees, we incur in protecting our security Interest and rights in the pn onlorcing any of our rights under this Plan any number of times without to sing the ' to the extent permitted by applicable taw. l failure to return a motor vehicle is one year in prison and/o? wf l a j LOANU11tER' Credit and Security Credit Aareement (contfiluedJ ou will: romfse ff u i u a penalty for un Bite of 5150;000. y p d o . Yro i USE OF. PROPERTY - Until the Advance has been pa (1) use 'the property carefully and keep It in good repair. (2} Obtain our written s For those :members. v+h purchase :a•vehi.cte under th t s permission before making major changes to the property.or changing tMt addre i property is kept. (3) inform us in writing before ohariging your address '(4) ' 1 where the ' ic the foilDwing fTC iVo . DRIVe Program, please review I , us if the Property is ttamagetl;: (5) p_puy no ity Allow. us to inspect the (S) Not use the property for any unlawful purpose. (7) Not to retitle ed n or abu t l NOT C s . s o e i property in another state without telling us: ANY .HOLVER OF THIS CONSUMER CREDIT CONTRAC NOTICE TO NORTH DAKOTA BORROWERS PURCHASING. A MOTOR VEHICLE . ;MAY BE SUBJECT' TO` TRA14SACTION MCTOR VEHICLE IN THIS • IS SUBJECT TO "ALL CLAIMS_AND jJEFENSES'WH1C i • . } THE IF R i5 REPOSSESSED AND SOLO TO SOMEONE'ELSE, REPOSSESSION THE DEBTOR COULD ASSERT AGAINST THE SELLE . j AND ALL AMOUNTS DUE TO THE SECURED PARTY ARE NOT RECEIVED IN OBTAINED : WITH TH 0F GOODS OR SERVECES E. THAT SALE, YOU MAY HAVE TO PAY THE DIFFERENCE.. . fail t awf f n . PR'OCEE'DS HEREOF. RECOVERY HEAEUNIDER BY TH : o or you ul l j NOTICE FOR ARRONA OWNERS OF PROPERTY - s is u thaiis subled to a security interest within thirty days after a motor vehicle DEBTOR SHALL NOT EXCEED AMOUNTS PAiO . BY TH ! to return ss you you have received notice of default. The notice will be mailed to the addre to notify us if your address. changes. The maximum. onsibilit I s - DESTOR HEREIlflIDER. y is your re p t gave us. This itoilcc cdMalns tmpottant tnformatfon about your:?fghts•andour responstbUities ; under the:Fair Credit Billing AcL Yon. are advised to read your'morrthry statement : 'After we reoeive'your1e1ter we eannat try to CoaeU any. amotattyntl gcestgn'or you as delinquenL We can continue to'send statements to you :for the amount as and: we can apply airy unpaid amount agairut llnance thar kxNri rt, u m and review it for any error discrepancies or unauthorized transactions 9 g gdestion, inc creel t GmiL You do not heve.to•pay any-questioned arill while: We ate Imestiga Fig, E NOTIFY 'C)S: - iN CASE OF ERHORS, OR OUEsTIONS. ABOUT YOUR. n but y u are still obligated to pay.the parts. of.yourstatemobil that ate not trf questb . .: STATEMENT. If you think your statement is wrong. or if. you need more informatio f about a transaction on your statement, write us an a separate sheet at. the address if we find that we. mode a mistaita on your. staffimernt you .will not)nave. to pay arty-questionedamounL if we.d)drN make a mlitake, es related to h r n i .ity . u . .. listed on your statement You are required. to noffy. us in writing wtthjrt 80 days following the data on whhich•ive sent your statement-wherein the error ei pfdblerii . . a ce c na . f g may have to pay finance charges, and you will have to make up arty ;mss ents on the questioned amounL- in-eithar case, we wf l sand you a slate ed ' ant . . i rirat appeared rega!dfng any disctepancy or: unauthorized transactions tM r i - account Failure to riotiryvs mayresult p your acceptance ofartyresponsitiUtty for L r paym . of the amount you owe and.the.date that if'ls elite. otmt thatwe limit you owe wr ittay report you as dalinqu the ] o nt - accoun ent Of xetnitiunsemsct to us fa arty Such error or discrepancy on you paym ble You can telephone us but doing so will not os s sm all t .pay ' It you '.However, kour okpfanatlon does not satisfy you andyou+enlte to us within ten Ys s . soon as p Write to us a j preserve:yoifr rights: taping its. 3hat;you alto refuse to pay we mustteti anyone we yepori you,io,That Itave a question aboirt:.yourstatemerd And we must will -you the name of an ou ne ? ' us the fdtdw Mformatlon In your Isttet give a!Q, i eportettyqu to 1 ye must tell anyana,ive repail you to thatth'e matter ties b w!r V en : -Your:napte and accountnumber ; { - he cloller amount of the suspected error ' .'tietween us when N 41traly is. , . noes we.cent coifed theilrst'S50 of the questioned am ;jt - 01 " tserne the error and 4xptain if ybu wa why jroti beGaNe`there is an error . im even K your statetneritwas refract ;` It you need more lnidrmatiort describe fie item you ars floc sore abdtit ou:haft authorized us topay it crerAtcacd aocCUrit autorrnatft ally from yofirshare I U' 4 Ct [riT CARD PURCkiASES =-Jt you;hava a problem SPECIAL RULE 706 Ute tataYty ofPraperty•or settiices teat yott purchased with a Freda card, aM h a Oft you th ' y i 'accournt ai:cheddrlg'accourtr. you can stop lhe'Payment on a4..am6unt you think is wrong:Tb alicp the p rm . ytwr loiter must reaches three business days before ihe' y. a .erehant; you:m : have'VWd:in,gooddalth fo cotret;.'titelokletn with tlte rn .right cwt:to pay the remaimnQ'`amountdue on the properly orsas:Them are tat 3 e two' or automatic payment Isschiduledtonccui :: RESPONSIBILITIES AFTER WE `RECEIVE!YYOUR OUR AiGHTS AND tomas 'limkationsonfiiisrjghC{a}Youxnustttdvtmadethe:purchasa:fnyotm i1 not within your home aisle, .M.thin 700 trifles of youir portent maaing address 0 S , and , . YOUR . WRITTEN NOTICE We must acknowledge your letter wahln 30 days. unless we e 5 . ' -(b}The purdiase price mi st.have been #nore tan. These timittrtions do not apply if we dwn:oropemte:fie merchant or if Ne m lied . . error of hawg.corrected the error by than. Within So days, we must either correct th [ explain why we beNavefhastatemtint was correct II ?' you 4he adver0somerit for tits property er services , t s ? ? s f . ?wile iy Agreement, the.words you and your:mearts'e' ach and.dN. of those in thls app . fortha card or who:signs Oft Agreement. Card mean; the Visa Credit Card aril any : U ' ' tJne doy bY-writen-appticabon to ills which musrbeapprovedbyoef crodk-corn oilcan oftoer. BY giving you,wrftn notice ' may.redtloe ydurCtedd ltrie flan revoke yell card and temanale this Agreement or with:gopd: cause e to ti tee ma ood ; _ f ne of ,- Credit. Card- urNI duplicates and'renewets we issue, Account means. y CrediLacoountwithus We usiandquismeans this•Cmdit InioK ,, , m cause Includes your failuretocomplywiththisAgreetnentorliny.omeragreamerm us .w our adverse reevaluation of your crodilworthirtass.Vo6 may also forminat with, finis 7, RESPONStBILiTY'-N wa issue you a.card you agree t0 repay ati debts and the l r ' Agreement of -any. time. but termination by either of:us does not ailed youroblr tion a eirantp and the card account Fo Finance Cttarge.arising. frorn the use of iha.card r you are respohsible for charges madeaY yotuself, your spouse and minor children _ topay the account balance. CREDIT INFORMATION -You authorize vs 40 investigateyour creiiit.sta 5 j You are also responsible for charges :made by anyone. else to whom. you glue the card, and this responsibility continues until the card is recovered.You cannot disclalm o .. :when opening, renewing or reviewing your account. and you authorize us to dl fnformationn:regarding your account to credit-bureaus and other credhors who in lose ufre u responsibility by notifying us, but ive will dose the account for new transactions if y o request and return all 69rds_Your obligation to pay the account balance corrtlttues, of us aboutyour.credit standing. s even though an agreement, diroroe decree Gr other court judgment to wbfch.we are arty may diced you ot'mte of the other persons responsible to pay. tfus:atxoont not a 6. MONTHLY PAYMENT - We will map you a statement every month shewing Previous Batancos of purchases and cash advances, the i tmilt transactions on la B 'N your ur of .p he cards remain our property and yvu.musi recover and: surrender to us Ell cards t me ' a ow account, the rPattaining credit available under your Credit Une, the purchases and cash advances, the Totaf Notq Balance, the-Finance Charge due 16 s ate., n Is Agree upon our retiuest and upon temninatiorr of th ' and anyothertilled tees, and Me Minimum Payment required. Every monthyou mus pay t tost or stolen; 2. LOST CARD NOTIFICATION - If you believe the wrd has been You will iritniedintetyBail the Credo Union_at.(7t7) 234:8x84 4[(800) 23T-7328 Aker; arloasitheMirrTarn-PaymentwMtin25 days of your By6414 'agreement you may tkd hafze trs.to- charge the medmum payrnerd.automaticii y'-to rate r hours rail (800) 55tr587& .::. Share or checking account wltti us. You may of course: paY nt1Y POLY re 3. UABILI7YFOR1]NAUTHORIZEOUSE-Youagreatonotdyus:anmatl!atelygrafy or in writing of the foss, theft or urnaulhortzecf use of your Credit l id:. You rnaVbe pale O&K :gran-the MinknumPayment:or:payfheTotelNawsalancainfukwldyouwplr foal finance charge by doing so it your monthly; paymenl exeeeris'the total credit the. the . , t for the unauthorized use okyota Credit Card, You will not be We:lorunauthotized use : owed; we avpl aukxnrtticapy.past1he credit tC yatA 57 shares. ! that occurs aher you nodiyus of ilie'loss. theft, or possNe unauthorized use.You wiillhave . The minimum paymenr Will be (a) 2% otyour Totaf New Balancce, rounded up t Ile S no liability for unauthorized purctases rttadn with your CreditCartl artless you aura greasy . next even dollar, or (b) 520.60,. whichaveris greater. In addition, at any:urne your otaf i neghigent in the handling .of your Gard. In any case your liability wig i!ot exceed 550. we will establish a sell- LINE - It we approve your application: CREDIT 4 New Balance exceeds your -Credit Line, you must immed'ratety:pay the wtcass demand. We will apply payments In ]fie bNowing manner: first to prevtous late our ees. . . . replenishing. Lino of Credit for you and notify you of Its amount when we issue the You agree not to let the account balance exceed this approved Credit Line. Eadh card then to previous cash advances finance.charges, then to previous; purchase fin charges, then to current late fees. then to previous cash advance balances, th ce in to e j . payment you make on the account will restore your Credit Line by the amount of the payment which is applied to the principal. You Taysequest an -increase in your Credit. previous purchase balances in the order that they were posted to your account, to current cash advance balances, and then to current purchase balances. th n , Visa' Credit Card Agreement and Truth hi Lending Disclosure (contlnued) 7, FINANCE CHARGES -You can avoid "the Finance Charge on purchases by paying the full amount of the:New Balance of Purchases each month within 26 days of your statement closing date. Otherwise, the New Balance of Purchases, and the subsequent purchases from the daze they are posted to your account. will be.subjecl to Finance Charge. Cash advances are always subject to Finance Charge from the date they are posted to your account, Purchases: we calculate your finance charge by mottiptying tbe.average adjusted daify:balsnce (see explanation below), Including new purchases, for the billing cycle by the monthly periodic purchase rte and corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum. . Cush Advances: We calculate .your finance charge. on cash `advances by multiplying the average adjusted daily balance (see explanation below) for cash advances during the billing cycle: "by the.mondtly':peflrodic advance :tote. and coaesponding ANNUAL PERCENTAGE RATE as. disclosed on'the Aadendurn Balance Computation Method': Average.Da#Olatance torlPUrchaSes The Average bait Balance for Purci;'asa Transactions Is catpdated.try adding the Daly Balances.(PurchaseFransactbn1119!.' each day izi the.Wlling Fyd1e, and lheri dividing by. .Vie dumber date to' baling cycle. To catculate.ihe Dally Balance lorpurchtases each day, we take the rcia.Ang. steps We talie Aw ocitstanding baiince (all amounts you iii al the slid of the day Then, in -the sequence in which amouits ate posted to tots account we :aGd the:- amounts otee.iTebtts.amlaubtract.li a atiio6nis of alt credrts.orpaymeritis Aich post to your accoixnt.treat day. Attet aaxNIng Oayments-and';Credits wo..subtract the amount,d any unpaid Finance Charges orLats.Charges. Than. we atso.subtract4le'. amountofany'CashAdvancetrdhs4cttons_ttatpostedto:yowa unt'Qnlestdayor.' in any previous dayin.the billing cytie:This'pives us the.bany'Batance tarpurchases 4wlrage Dait2 tielarfae ki CasA Advances =."(assn Advance 7gtiisactbns whidt are posted w you, account. are not'iddudad in ttie Ave2ge:Daily BaiartcejcaladtaBOn*for 1 ..(alt amounts you glue) ai the alert of the day:TlienAn the sequence in.which:ambunts• ore. posted 11o.your.aa:cunt o-add the amounts 01 (611 d0its:AM sabiraa 11116.211101.111118 i of all credits or payments which post m your account that day. Aftw appfying:paymarlts and credks,'we subtract the amount of any, unpaid Finance Charges ar Lam Charges. Then we also subtract the amount of arty Purchase Transactions that posted to your f account on that day or In any preJbus day in 4w bNgng. cycle. This gjms us the Daily" r Balance.brCash. Advancs Tdnsaceons. Mote: Cash Advar4o w Sre ahvayssu bject to financechmgesend from Ow day they are, posted to youraccount . Payments are appited1nitte following manner: first to previous fate fees„ then.to i previous cash. advances floanoe.charges, then.. to previous ,puruhase finance charges, then to currentlate tees, then to previous cash'advance-balances, then. to .be returned With the statement. You will mialn a copy of such slipsturnished e time of the transaction In-order to verify the monthly statement The Oredll Union. make aseasonable charge lot photocopies of slips you may requesL 10. OVERDRAFT OPTION - It you elect to overdraft to your PSECU Visa C Card, that election is subject to the existing rroc it limit and the agreement it reprw and the current loan policy at the time of the overdraft. You also understand IN overdraft will be considered the same as a cash advance on your PSECU Visa L Card:and that the current. Annual Percentage.Rate for cash:advandes will apply. 1l: RETURNS AND ADJUSTMENTS- Merchants and-others who honorthe may give credit for :returns and adjustments, and they will do sc by sending' credit slip which we will post'to your Vlsa this of credit. If your.orec it and paym .exceed what you owe us, we wig automatically 'post the excess credit balalti your S1:Shams Within .,75.days. If the'balance'is one dollar or more, upon wrltten_teguest, we:.wlll.refund the credit balance-io you. 12 FOREJGN TRANSACTIONS - The exchange rate, between the 'vansa tvrrectcyand the biGing'currengy used for preoeasxtg feNematbnad transactions is i tdate! Ixti:Vlsa This'fae whkk<tit,locals i%.o1 the; Ira trtgtsactions where the metcliantcountrydit d3.."SPECIAL RULESFOR VISA PURCH: v1N11it isatransacuon and.flave trted3n "g the rate *Vi a an ud his to . ate, the self.; kv. ,ed _.1 all jl 5' :.Il yoq;disagreeor'fincVan rror i taitti.io cerrect:ihe problem. the' will I otiied or lrairiJulertF use; air' yr .from a plan', riarchant-in your ate . I 'iM uspum-rR71NSACTIoNS You. are required to noffty PSECU:In wr leg 'wftOh 60 days talleflvirlg #he•date on wMoh eve sent your Statement wherein the or pruble(tt:firataP4xeared'rcgatdhtganydiscropancy.orunauthorkedlrartsango on yotu:aarotnt 3bfeptiaung. PSEGU does :not- preserve your dispute ti9ttts lbu ay ' 6iscijufred to •p s.us•with d6citmentadon fo support your dispttte.clalm In addition;. you msy' b$ regalrea to cotnpieta a standard dispute Jo o'utGney the .: tletaa6 ot.yourdisptite :Irt cases.ot fraudufeOf card tine, PSECU will aka fetlu a a, - ttotaifzed-AmifaWn. fe, some eases we mays ou(y'to:notMy fhtt ?ocat euthorih Al we do not recefvathe proper.reques[ed dodtmentationtn ttie`lirne apaofied you.. '. "may'be field resporiaible for theiransaction(s).tn ques110n PSECU must ad to ' -strict dispute tmnefiames.set forth by Y. " "l6:'SECURITJNTE7iEST.-To secure your account; you grant us'a.pu age money security interest irider the Uniform :Commardal Code In any. goods you purchase through the account. If you default, we wgtha+re.theAght to recpver a y of thew goods'which.we have not been,peet. for through-6w ippflettition:of ur payments in the manner described In the Monthly Payirutnt sectioh. With rii to fifs-account..onty, we wgt?not assert any, statutoryright:we.nay have if you In default to preverd.wlitndrawal of.your:u*edged credltunion strares.(D Its) below.the unpaid balance of your account. However,.# you of" or -have given sa speclfic:piedge of:yourcrodit. union :'shares: (Deposits) by signing the Pledg of revicjus urratase loafances in the order that they were posted to your account; then t to curt'ent cash advance batariees, and their to.pirrrent'purchase balanced: Gr"Is Sharair or otherwlse, or an othar:secti interests br all your debt3i your . will be seputed. by yourpledged shares' Deposits) and by iha.prnperly descri tint In are appGeti'first to the:particular type of detii which is being kited dany.-arid fhen ;those:other secraity, agreements except for your home to the. balance of your amount' U. :EFFECT OF.AGREEMENT . This ApmemeM is the contract which`appl s to Note also ::that 0 the. toud'of ftia payments and credits Which :ayre posted lo. your . .all ltansa6lens on .yow..ac?itnt eves 4houghltte. Sales;-oesh advance, . . tor. t accountbythe=PayrrtentDue0atesfiownon_aitafenientiseqri?t.to:oreucaedaiha " hfl4renttgmu.4Yemayamen aUrer?sApa ;sighttxrecetv0"dycontain2 the . i New Balance ihown:on•that-statement,•we will not apply the Monthly perlodio Rate t0.greedtent 1roin ii.to Arne bysentling"you the advance written: notiddeTequire ,Uy ., to your Account onyour.next statement. tavc:Your.uaeof fete lard thareafterW.iB:irtdtcate joitregreariienttolhe;amertdm nts. . . B. DEFAULT'=You wlfi be to detain if you fall to malce'any WnimJm Psyment withfh .. t f r f ds b i n ' { To the extent the'taw pormffar and we Indicate in our.potice, amendments will m your eadsbnTlicebunt batince as well as to tenure lrartsaol(ons pt rans ze us.to. e un r closing date-Yo; auth t, 25 days after your monthly stateme sufficient to make the minLnum payMent due d yotu Visa loam Is in defauft;.You will : tT .;LATE PAYMEfiiCHARGE. if your;MmttmmrPa;!ment It.rtot received b rho . : also be in default ff'your ability w.ri; us is materially reduced W,a change in your. ' ArsYday`oi ttie'tfionttilotfowing your due date you will: besublJ ct:to, a 520. e.: employment,'an Increase in your obligations, ixanluuptcy or. msoivency prooredit?Is- :. S., RUSH. FEES - YOU may ,incur adtlitionai cfiarges for rush'processing and ush i involving you. your-death or yourfeilure•.to abide by this Agreement; or If the value nr our security interest materially decline& We have the right to"demand dmmadlaie : ` delivery a ?y andior PtN mailer ; payment of,your;full account balince.lf'ydu default :bubiact its nur gnring.yau any : d notice required bylaw. To dre.e dent permitted by ta> v, you will also be required to pay t ' nd ebleahorn fees i .: . . 19., OVER WlJiff EE-AS20feewll beappl1edforeech ittorttltlystatamertdasttg .on which 'the outstantling balance exceedsvii assigned'txaikJImR-by mciie than S t 20 DRAFT COPIES You'ma incur an 'addtfonal charge tor'transa ., hen r our collect on expenses, including cou costs.a reason ey Y 4. USING THE CARD - To make a purohage or cash advurice More -ate two;" `summary7sale dish documentatlpn . alternative, procedures to be followed: One.'is for you to present the card to it. • .2.1. COPY RECEIVED You acknowiedgo,receip% of a copy of this Agmorne t. participating Villa plan merchant, ofancther Ilnanclal institudoti,,"and sgn the sales ' 22, ILLEGAL TRANSACTIONS PROHIBITED = You agree that you iuilf not use or cash advance dicer whichwiG be imprinted with your card. The artier. Is to cartplete '. ".your card for any fransaction That Is illegal under applicable federal; state, or local adv. the fransaction by using .your Personal Identification Number (PIN) In conjunction r other ryps of afectronk terminal that with the card in an Automate iSTeger Machine 6 .. '23: FIO USE- Inactive `Visa accounts that have no:purchase gnash activity ay I 4 11 , provides accei".io'the Vise system. You agree that you will not use your card for any be closed without notice to you after 18 months of no activity. transaction that Is. Illegal under applicable federal, state, or focal faw. The monthly 24. 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E C'= ., °a „o0€6666$ $o mw rs`_?3?;gg s3 _o c Abe. 3: 7 7 .-S RA S o >3 m a y ?'?'s ?N O PPMCO, NOO•V•C70 NW)CS Om N?`Oh O PCOCONCDO?' o p -oos E G O m 0 St t?v0?0 NO?OMOOO NNPvIN aO?O wn[•!. oO1lNMcq O o t NN't.-t tM MMNNNr 0000 OPPPPP WCOCOWOJmO 0 ar- ° ms ° c cb $ 8 NNNNNN NNNNNN NNNNNN Nr^rr^' ^^^'"^^ ? Q TS C 0 -E a » e Ew O- 0 000006 006666 000060 060600 000000 Q C > a? p cn. m c y oL O I NMVtola hcOPOrN Mgt LO 1oha0 PO^NMV W)Ior ooPO v V Tm [) V O_p m O G r E E V O 1) W MMC•MMMM MMMV•V•'V V•V•<t V••V•-t ro Y)No ooooto?o Cy °o -oey?tl o ?aE °E 3 ~ 6mtymTw.o''ug2O occ I. c?Q! c p> o w m 9'20 c t C U e T O w G o > p -5 ?i m n c O o m ON NO j >°- 0C? p_ o r 0000Nh`0 C, l?n< P<VC".CO ION;ZC-)2O Nh PMOV• ? O - e « cL V ?O 0.O ro o EE j e O OOOcP7bn MOCOOh?N 0anICLO? 'V 'V00201 CoWn?d ?o r 0", [i G O v•o?•- m 0- E a.o N :2 9 OOONN?+') If) 07 V'V V'V' KM MMMCh MMC')q Cl! NNNNNN e C E. o > o 0 3? a c o'a ` C 000660 660606 660066 oc) 000 000600 ° °v o c°n>>>°o?.mE??o 0 O ` mfL' O ° C R -,oY E p yt O >p°` N -N M•V'?`OhCO POr NMV• h`ohCOPO ° tl 3 n °; no•g m m m o o s` ate. c •-NMVN10 1w11.2 r r.-rrrr rNNNNN NNNNNM c v„ cc_ my m E `? E V) -0 OO A G f a O ° " u p 0 O E c d vvS,c, ?E,= mEgEo'e? n- . ov ?n E ..? mu o oO.02. 7P O m 0 0 mm O O?Y) °r0 d'L a>rnOLOa avE v u vaF U PC EXHIBIT "B" 3542859_1 575 CERTIFICATE OF TITLE FORA. VEHICLE 102669999006010-001 3GCEK13M78G19403b 1 20081 CHEVROLET VEHICLE IDENTWICATICMI NLR.IBER YEAR MAKE OF VEHICLE TK 1 0 1 1 1 6/25/091 BODY TYPE DUP SEAT CAP PRIOR TITLE STATE ODOM. PROCD. DATE 5/07/ 08 I 6/25/09 09 5.1640 ( 7-1000 DATE PA UNLADEN WEIGHT REGISTEREn OWNER(S) KELLY H BUSLER 301 WESTVIEW DR MECHANICSBURG PA FIRST LIEN FAVOR OF: PSECU FIRST I.IEN RCLEASED - DATE 8Y ALI'Montun REPRESENTATIVE MAILING ADDRESS PSECU P 0 BOX 67013 HARRISBURG PA 17106 SECOND LIEN FAVOR OF: 65949248 03 BU TITLE NUMBEI 00.59361 0 ODOM. hILES I OD .STATUS GCWR I TITL BRANDS ODOMETER STA TUS O . ACTUAL MILEAGE 1 . MILEAGE EXCEEDS THE MECHANICAL LIMITS 2. NOT THE ACTUAL MI GE 7 = NOT THE ACTUAL MILE E-0DOMETER TAMPERING VERIFIED A : EXEMPT FROM ODOM R DISCLOSURE TITLE GRANDI A = ANTIGUE VEHICLE C . CLASSIC VEHICLE D +. COLLECTIBLE VEH E . F = OUT OF COUNTRY G ORIGINALLY MFGD. FOR NON.U.S. OISTRIBUTION H . ALiRICULTI1Ml ICLE L - LOGGING VEHICLE P = ISIWAS A POLICE HICLE R *. RECONSTRUCTED S . STREET ROD I -RECOVEREDTHEF VEHICLE V ,. VF)YCLE CONTAINS REISSUED VIN W = FLOOD VEHICLE X . ISANAS A TAXI If a second Eemrolder k leaded Upon emL.faclim of the final Eery ado first Eerlroder mutt forward der, Thl. to Oho Uaraau of Motor Valkias v.0i the afgrmPnale dorm and I-. SCCOND LIEN RELEASED piennns' 9 aria I)EPARTMENT OFTR NSPORTATION ` 1 ! ly t. >r rite. 'I't, of y WL W, Mlk3d r.XAdu of ate Pa!r?t•;yh .x,la Duplhnenl - ALLEN D B I E L E R }- ?_' of T a;I IMa t ?clh:rl 11 I II r I>,r .!!(.:) rw rXlntpany !uvttcd I!or;drt h. 0u• IRlvlul erXxr -_ II sa Iw wk ! CI a) r It Dtll i. I J 2• - f r II ?P It 41x.s • f 1 1 ;. `? _'I`(` IT( S r a rW tj'•rt. I 7 t:1 ri[r L Tyre" ar11 -. I` 1,I1,.Cth.kL AIdU u4'lOF.(•1 _ ?F.?^? r•M''+f- If d vJ-,]II has''r olh r 161 Cnur spotwe is lislea and you nl the title to `-?%` To ,c'FCAE MF_. Ira 0atud O.. k ii T(:nintS V71', Flight of Sur ivorsbm,Y (0 death of one .': ?= -----.---------_.-,- _-- L.r; G-ner. Lille gees 1.3 eAuviving oe'llcr) CHECK; HERE Q Oth m`ise, the ti0e f w. ' ? -- -------- .ill -,o is: u 1 es'i:ar u.i; in Cnnlnion' (tin d;;.+lh of nnn c del, inleresl of _rl +: rv'r •,?.`c:_ Ir, I;!arl-;! Ir.,!, i pct, isl... '-..,+t' !- 01 Ytf rY.Piil'M `ri•? HOOF ') L: -IIJ ccl ZIP W O I_r, COT'! STAT= Z!P ......,:!iliL. ..ECG :•.::?::fl'.: i.:.?. ..: '." .:W;?t!1 ?:::1.._. 1.. .:'L C4L•., a. , O„(P ?t r.. '"r I,,. x 1: .,r, r., .,r_ ,r, vr3'l'.r?. st!`if: i:z (TYPE OR PRINT) Certifict f Title must be submitted within 20 days, unless the purcc. is a registered dealer holding the v¢hicle for resale. i wa H i? I N G FEDERAL A14D STATE LAWS REQUIRE THAT YOU STATE THE MILEAGE IIJ CONNECTION WITH THE TRANSFER OF 66YfJE SHIP. FAILURE TO cOMPLETF OR PROVIDING A FALSE STATEMENT MAY RESULT IN FINES OR IMPALSONMENT_ I Rreew.a aaaN Sax. eeny.tr arcs a:evns i ASSIGNMENT OF TITLE - rAVaTA .+.wwern?.sP..n?.rnypiarvvA-aa.r.1. A LAST FIRST MIDDLE NAME . 1.:.m a- M aim a ew e.N. PURCHASER OR FULL to the best of my/our knorl•dge that the cal ler reading is UWe certify BUSINESS NAME _ . TENTHS ll il nt h l f th t il hi l X CO-PURCHASER '. fa ech, t e ac ua m eage o e, m es a e ve c ---n-- .. STREET ''.. unNss one of the Idll bases Is checked: ADDRESS - - Reflects the amo ra of mintage Is NOT the -dual =a ggee - ? 13 _ ? 'CITY WARNING: Odarnmepancy In excess of is machanical Wells Me huther certiy that tee valide Is Ins of arty encurralml and that VV ownership is hereby PURCHASE PRICE llanaleRed to the penonts) or Die dealer fisted. STATE ZIP OR DIN SUBSCRIBED AND SWORN TO BEFORE ME: MO. DAY YEAR PURCHASER SIGNATURE SIGNATURE OF PERSON ADMINISTERING OATH CO-PURCHASER SIGNATURE J PURCHASER AND/OR Q C NPURCH,ATSEfl MUST W - N SIGNATURE OF SELLER O d Q SIGNATURE OF CO-SELLER t- p pq C 0 8 U) . E R, ST HERE B, • • s . WNe pNy, to the best of my/our krowNdg• that the odometer nadng Is LAST FIRST MIDDLE NAME TEMl6 X miles and feted. the actual mlleege of the veNds. PURCHASER OR FULL Q.jl $INESS NAME _ unless one d the IoOowhg box- 1. chadad: ? Hallam the amount of mlleep ? Is NOT the actual .9109.9. - CO-PURCHASER In excess of is Mechanical 111091e WARNING: Odometer discrepancy STREET Me further canny trot the wNW Is laws of any encw9lrence and that the o"ws* is:her.by ADDRESS tnmterred to the parson(s) or the deal Ill CITY SUBSCRIBED AND SWORN TO BEFORE ME: STATE ZIP PURCHASE PRICE MO. Y YEAR OR DIN SIGNATURE OF PERSON DMOOSTERIN OATH _ PURCHASER SIGNATURE J Q UJ CO-PURCHASER NATURE CF) PURCF WSEA A NWOR . y,T PURC ER MU CO- HANDMIhIT NAME HERE 0 CL Q - SIGNATURE OF SELLER ? l . C!l - . HAMI 7 NAME HERE O t o Lei 91fil 9211 .1. . a = I/Wo osatly, b lha best d my/our Iatowledge that Me odometer rearing is LAST FIRST MIDDLE NAME . - TENTHS X miles Slat ratiecY. Me -dud milgage of the vehicle, PURCHASER On FULL - > BlSINESS NAME unless one of the Idbwing boxes Is checked: ? Helleds MS amaum of mileage 11 Is NOT the actual rooky •' CO-PURCHMSER in exgaas of is meehadeai Ifa91a I-J WARNING: OEkm ter discrepancy STREET wcurabranee aM that rte ownership Whereby edify Sol whIds N emd M b d ADDRESS tie d i t to the nsr Y x - CITY SUBSCRIBED AND SWORN TO BEFORE ME: PURCHASE PRICE STATE ZIP MO. DAY YEAR; OR DIN SICN67URE OF PERSON ADMINISTERING OAT14 _ PURCHASER SIGNATURE J Q W (n C PUMCMA R I A UR CL - PURCHASER AND/OR I Q - CO?PURCHASER MUST HAND INT NAME HERE a ___ Q - SIGNATURE OF SELLER ~ SELLER MUST HANOPRWF NAME HERE. I `f. C ) fl e i • ROME IA4e certify, to the beet of my/our k"Aedge that the odometer landfall Is LAST FIRST MIDDLE NAME TEMray X miss ant refkrets the actual mileage of the vehicle, PURCHASER OR FULL OUGWFSS HNAE -- unless are of the IdkmnuJ boxes is dedhed: ? HOW$ fill. amWnl of "1841..10- r- Is NOT the actual ntiktatp ----1 CO-PURCHASER I, c teas of As mectumksl :knits WARbtPIG: Odometer dLrxepancy STREET - I bwe fur w certly that the vehicle is free of all,, sicumbrance wyJ that he arnws* In hereby l d h l l fi d th ADORERS -- e peroon(s) w tmns -. to t e l ea er ste . - SUBSCRIBED AND SWORN aTY -- --- TO BEFORE ME I --F_ PRICC STATE Z:P P If. DAY YEAR ? CI:TrL;TURE OF P"RSGH AOAUMSTFRINC 0ITII PLIRCHA4=R SIGrIATURE u C l) CO- PURCHASER SIGNATURE o PURCHASER A.NO/OA C b L Q CO-PURCHASER NA MUST -? HANOP.4INT MA ME HERE 6 G a 0 91 SIGNATURE OF SELLER L SELLER MUST - t , HANDPRINT NAME HERE nRi-iFClC HFRF IF APPLICATION FOR DEALER TITI-F ANo nomPI.FTF SFCTIi7*i n. TITI.INA FFFS S b 3 0 ID CD w C U3 w m 0 M N lD CL N w N ci al CL HD w n7 3 'O 7 6. (n w M W O w a O G CD N A c N al Tn w y m w 3 `wG N w m vi M rn w r- C EXHIBIT "C" 3542859_1 PSE 07/15/2010 Via Certified and First Class Mail KELLY H BUSLER 301 WESTVIEW DR MECHANICSBURG, PA 17055-5759 NOTICE OF REPOSSESSION AND RIGHT TO REDEEM You are hereby notified that your 2008 CHEVROLET SILVERADO VIN#: 3GCEK13M78G194036 has been repossessed by the Pennsylvania State Employees Credit Union ("PSECU"). You have failed to pay the 05/23/2010 installment due under the above Loan and Security Agreement (the "Contract"). The motor vehicle is currently being stored by: Richard & Associates, 3999 Spring Rd., Shermans Dale, PA 17090 (717) 241-5884. You may redeem the motor vehicle and terminate the Contract by paying the following amounts on or before 5:00 p.m. on 07/29/2010. Unpaid principal balance Accrued Interest $34,702.70 $291.97 ADDITIONAL COST IF REPOSSESSED MORE THAN 15 DAYS AFTER DEFAULT Repossession Expense $350.00 Storage expense @$20 per day(7/14/10-7/30/10) $340.00 Late Fees $59.04 Total Cost to Redeem $35,743.71 Payment to redeem must be in cash, certified funds or a cashier's check. We will sell the 2008 CHEVROLET SILVERADO at private sale sometime after 07/30/2010. The money that we get from the sale (after paying our costs) will reduce the amount you owe. If we get less money than you owe, you will still owe us the difference. If we get more money than you owe, you will get the extra money unless we must pay it to someone else, or use it to pay other loans you owe to PSECU. You can get the property back at any time before we sell it by paying us the full amount you owe (not just the past due payments), including our expenses. If you want us to explain to you in writing how we have figured the amount that you owe us or you need more information about the sale, you may call us at (717) 234-8484, ext. 3116 or (800) 237-7328 or write us at PSECU, P.O. Box 67013, Harrisburg, Pa. 17110-2990, and request a written explanation. You should also contact us if you are unable to pay the foregoing amount in full prior to the above deadline. PSECU may allow you to reinstate your loan, if you qualify, upon payment of the arrears and additional costs only. We are sending this notice to the following other people who have an interest in the collateral listed or who owe money under your agreement: (Names of all other debtors and obligors, if any) You have 30 days to make arrangements to take possession of the personal effects found in the vehicle. Failure to recover them in this time period will result in disposal of such personal effects. Sincerely, Lisa Reeser Account Advisor Pennsylvania State Employer Main Address: 1 Credit Union Place, Harrisburg, PA 17110-2990 • 717.234.8484 Mailing Address: P.O. Box 67013, Harrisburg, PA 17106-7013 • 717.777.2100 (TDD) • 80C This credit union is federally insured by the Notional Credit Union Administration. Credit Union 800.237.7328 472.1967 (fDD) psecu.com I Opportunity Lender ? C m CUFF 3 3 0 m tiDMIledFee a ® Retum Receipt Fee (Endorsement RequksM C3 ry ResSdcled OeRve Pee ru (Endorsement Req uk ed) ( Irrrllirrrlllr? ° r- 4 Kelly H_ I ?r rr rir ......t VERIFICATION I, Matthew M. Hennesy, Esquire, verify that I am the Attorney for Pennsylvania State Employees Credit Union, that as such I am authorized to execute this Verification on its be] The signature of PSECU's credit manager cannot be secured within the time provided for f this Complaint. A substitute verification signature will be provided promptly. I verify that facts set forth in the foregoing document are true and correct to the best of my knowledge, information and belief. This Verification is made subject to the penalties of 18 Pa.C.S. § 4904, relating to unsworn falsification to authorities. Dated: By: Matthew M. Hennesy, Esquire t 3146388-1 CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing Complaint has beeij served on the P?day of July, 2012, via first-class mail, postage prepaid, upon: Andrew C. Sheely, Esquire 127 S. Market Street P.O. Box 95 Mechanicsburg, PA 17055 By: BARLEY SNYDER Shawn M. Long, Esquire / Court I.D. No. 83774 Matthew M. Hennesy, Esquire Court I.D. No. 307020 Attorneys for Plaintiff Pennsylvania State Employees Credit U 126 East King Street Lancaster, PA 17602 (717) 299-5201 35428591 Andrew C. Sheely, Esquire Attorey for Defendant 127 S. Market Street P.O. Box 95 Mechanicsburg, PA 17055 PA ID NO. 62469 717-697-7050 (Phone) 717-697-7065 (Fax) andrewc.sheely@verizon.net PENNSYLVANIA STATE EMPLOYEES, CREDIT UNION, Plaintiff vs. KELLY H. BUSIER, Defendant !F11LF7-OFFICE- i RF PROTHONO 1't,iny 2012 JUL 27 PH 4: 00 CUMBERLAND COUNTY PENNSYLVANIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA 2012 - 1377 CIVIL ACTION - LAW Defendant, Kelly H. Busler, by and through counsel of Andrew C. Sheely, Esquire, hereby files these Preliminary Objections to Plaintiff's Amended Complaint and respectfully states as follows: 1. Defendant, Kelly H. Busler is the defendant in the above-captioned matter. 2.' Plaintiff's Amended complaint is in the nature of allegations of a breach of contract action by Defendant Busler and seeks counsel fees and collection fees in addition to principal amounts due under an alleged loan agreement. 3. Plaintiff's Amended complaint attaches a copy of a signed Loan Liner Application and Security Agreement as Exhibit "A", a general loan disclosure form as Exhibit "B", a copy of vehicle title as Exhibit "C" and a Repossession Notice as Exhibit "D". 4. Plaintiff's Amended complaint fails to attach a signed general loan disclosure form agreement executed by Defendant supporting Plaintiff's claims for attorney fees and collection fees as required by Pa. R.C.P. No. 1019(i). 5. Plaintiff's Amended complaint fails to attach a signed general loan disclosure form agreement executed by Defendant therein supporting Plaintiff's claim for collection and attorney fees as set forth in paragraph 9 of Plaintiff's complaint. 6. Plaintiff's Amended complaint fails to attach any signed document executed by Defendant supporting Plaintiff's claim for collection fees and attorney fees as set forth in paragraph 9 of Plaintiff's complaint. 7. Plaintiff's Amended complaint in the above-captioned docket should be dismissed in its entirety pursuant to Phi. R.C.P. No. 1028(a)(6) as a result of the pending action at 12- 3696 pending before this Court, or, in the alternative, file an appropriate motion consolidating both actions involving identical parties, issues and claims. 8. Plaintiff's Complaint fails to comply with Pa. 8.C.P. No. 1028 (a)(2) by improperly raising additional claims for special damages including collection fees and attorney fees in 2 paragraph 9 as opposed to setting forth separate counts for each claim in the complaint as required by Pa. R.C.P. No. 1020. 9. Plaintiff's Complaint fails to comply with Pa. RtC.P. No. 1028 (a)(2) as referenced in paragraph 3 above by failing to attach required written documents and by attaching impertinent documents to the Complaint as Exhibits' "C" and "D". WHEREFORE, Defendant, Kelly Busler, hereby respectfully requests that this Honorable Court direct that Plaintiff ''amend its Complaint so as to comply with the Rules of Civil Procedure and separate its claims in separate counts, all as requited by the Rules of Civil Procedure set forth above, or in the alternative, dismiss the Complaint as improperly filed. Respectfully submitted, July's?, 2012 By: Afidrew C. Sheel , Esquire Pa. ID No. 62"9 127 S. Market Street P.O. Box 95 Mechanicsburg, PA 17055 717-697-7050 Attorney for Defendant, Kelly H. Busler 3 VZRIFICATION I verify that the statements made in this Preliminar; Objections of Defendant are true and correct. I understand tha false statements herein are made subject to penalties of 1 Pa.C.S.A. Section 4904, relating to unsworn falsification t authorities. Date: July g7, 2012 ly H. 4 cr"IFICAn OF S?fxcR I, Andrew C. Sheely, Esquire, hereby certify that I am thi: day serving the foregoing Preliminary Objections of Defendant tc Plaintiff's Amended Complaint upon the following names individual this day by depositing same in the United State: Mail, . First Class, postage prepaid, at Mechanicsburg, Pennsylvania, addressed as follows: BARLEY SMYIt Shawn M. Long, Require Matthew M. Hennesp, Require 126 Rast Ring Street Lancaster, PA 17602 Date: July 2012 Andrew C. Sheely, rimeire 5