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HomeMy WebLinkAbout12-2913f , IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA EDUCAP INC., ) CIVIL DIVISION, ARBITRATION AND STATUTORY APPEALS ONLY Plaintiff, to-a9t3 CIVO ) NO. TYPE OF PLEADING: Complaint vs. ) in Civil Action DICK KIRCHNERand ) CODE: MILDRED KERCHNER, ) FILED ON BEHALF OF: Plaintiff, Defendants. ) EDUCAP INC. COUNSEL OF RECORD FOR THIS PARTY: Reed J. Davis Pa. I.D. #00501 Reed James Davis Pa. I.D. #64343 DAVIS DAVIS ATTORNEYS a professional corporation 393 Vanadium Road, Suite 300 Pittsburgh, PA 15243 412-489-1400 114\ED000124\12050701.COM lad ED000124 O 00 JOS, " a? a-7g97a IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA EDUCAP INC., Plaintiff, vs. DICK KIRCHNER and MILDRED KERCHNER, Defendants. CIVIL DIVISION, ARBITRATION AND STATUTORY APPEALS ONLY NO: NOTICE TO DEFEND 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 for money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET HELP. LAWYER REFERRAL SERVICE, Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 Telephone: 717/249-3166 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA EDUCAP INC., CIVIL DIVISION, ARBITRATION AND STATUTORY APPEALS ONLY Plaintiff, vs. NO: DICK KIRCHNER and MILDRED KERCHNER, Defendants. COMPLAINT IN CIVIL ACTION AND NOW comes EDUCAP INC. by and through their counsel, Davis Davis Attorneys, a professional corporation, and makes this Complaint against the named Defendant of which the following is a statement: 1. Educap Inc. is a non profit corporation with one of its principal offices located at 21680 Ridgetop Circle, Sterling, Virginia 20166; hereinafter referred to as "Plaintiff'. 2. The Defendants are as follows: A. Dick Kirchner is an adult individual whose last known residence is 206 West Pine Street, Mount Holly Springs PA 17065; and B. Mildred Kerchner is an adult individual whose last known residence is 206 West Pine Streer, Mount Holly Springs PA 17065; hereinafter collectively referred to as "Defendants". 3. On or about December 21, 2006, Defendants applied for and received an education loan and entered into a written agreement for the repayment thereof. A true and correct copy of the aforesaid written agreement is marked Exhibit "A," attached hereto and made a part hereof. 4. The said Agreement was assigned for value to the Plaintiff. 5. Defendants are in default under the terms and conditions of Exhibit "A" for failing to make payments when due. 6. The outstanding principal balance which remains due and owing to the Plaintiff by the Defendants is $11,289.19. 7. Interest accrues under the terms of Exhibit "A" at the rate of 3.25% per year. Interest has accrued through May 7, 2012, in the amount of $416.76. 8. Demands for payment have been made upon Defendants by Plaintiff, but Defendants have failed or refused to pay. WHEREFORE, Plaintiff demands judgment against Defendants, jointly and severally, in the sum of $11,705.95 with additional interest on the principal balance at the rate of 3.25% per annum from May 7, 2012, until the date of judgment and interest on the judgment amount at 6.00% per annum thereafter. DAVIS DAVIS ATTORNEYS a nrGfb1m nal ornoration By: Reed JamN Davis Attorney for Plaintiff 393 Vanadium Road, Suite 300 Pittsburgh, PA 15243 412-489-1400 ED000124 VERIFICATION I, Reed James Davis, state that I am not a party to the action but that at the request of the Plaintiff, and based upon. knowledge, information, records, and documents supplied to me by the Plaintiff, the averments set forth in the foregoing Complaint are true. A Verification executed by Plaintiff can be supplied at time of trial or upon request. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities. Date:-'-?? Reed James Davis, Esquire Bair America Bank of America Student Loan Program PO Box 651210 Sterling, VA 20165 12/13/2006 DICK KIRCHNER 206 West Pine Street Mt. Holly Springs, PA 17065 Dear DICK KIRCHNER: Application ID: 10493702 Thank you for choosing Bank of America Student Loan Program to help you realize your higher education goals. This Loan Approval Kit contains your Loan Application and related disclosures. We will FedEx® your Bank of America Student Loan Program Education Loan check for 511,000.00 after we receive and verify your loan documents. You are only, four steps away from completing this final phase of the application process: Step 1: Review all the documents in this Kit. Step 2: Assemble all required supporting documents: Use the Loan Completion Checklist (next page) to determine the documents you need to submit. Step 3: Sign the Loan Application: All applicants, including co-signers, must sign. Don't miss out on your extra savings! We will lower your interest rate by a full 1/4% if you sign up for automatic payments - just complete and sign page 11 of this Loan Approval Kit. Step 4: Make copies and submit documents: • By Fax: Use the enclosed cover sheet and fax to 800-985-0230. • By FedEx: If you received your Kit via FedEx, you can use the two-way envelope for return (use the enclosed return label). We're here to help. If you have any questions or need help, please call one of our knowledgeable Loan Specialists toll-free at 8"17-532-7619 or email us at support@servicestudentloan.com. We want to earn your business, now and in the future. We are committed to making it easy for you to obtain the right education financing solution. Once again, thank you for choosing Bank of America Student Loan Program. Sincerely, Dennis Young Director, Customer Care EXHIBIT IMPORTANT: To receive your check as quickly as possible, complete the required actions on the Loan Completion Checklist (next page) within 24 hours. Bank America Loan Completion Checklist Step 1 Review All Your Documents Review all documents in this Loan Approval Kit, including the pre-filled Loan Application information. Any missing or incorrect information on the Loan Application must be corrected, and every applicant must initial every change. (Note: If the Borrower's address or any Co-Signer's address has changed within the past 60 days, please send us a recent utility bill showing the new address). You may change the Loan Amount to a lower amount, but you may not increase it. Please call us at 877-532-7619 if you need more money for school. Step 2 Assemble All Required Supporting Documents for Submission a. Send us verification of enrollment with a copy of any ONE of the following for the school term covered by the education loan (Note: If your school information has changed, please call us at 877-532-7619): • Class Schedule (current or previous semester) ¦ Tuition Bill (current or previous semester) ¦ School Acceptance Letter b. Send us verification of ALL Income shown on the Loan Application by providing copies of ANY of the following items (In order to ensure that you maintain your pre-qualification status, these documents must be consistent with the total income stated on your application): ¦ IRS Form W-2 - from the most recent tax period ¦ Pay-stub - from within the past 60 days ¦ IRS Form 1099 (for additional income such as interest , dividend, annuities, pensions, and IRA distributions) - from the most recent tax period • Student Aid Report (SAR) and Worksheets from the Department of Education -- for the upcoming academic year c. Non-US Citizen Borrowers ONLY: Send us a copy of ONE of the following (Note: Special copying/faxing settings may be required to ensure a legible copy): ¦ Passport along with either a copy of your 1-20, or 1-94, or F-1/J-1 visa ¦ Valid Driver's License ¦ Alien Registration Card ("Green Card") • Other identification card (with your photo & signature) issued by US federal or local government Step 3 Sign the Loan Application a. Sign the Loan Application on page 7. ALL applicants must sign the Loan Application on the correct signature line and exactly as their names are printed. -s If you wish to request a specific disbursement date (optional), please do so in the Requested Disbursement Date field in Section D 0 of the Loan Application (page 7). b. Sign up for Automatic Payment Authorization and get a 0.25% discount on your interest. Be sure to send the signed Automatic Payment Authorization form along with all other loan documents. Step 4 Make Copies and Submit Documents Send Loan Application and ALL supporting documents. Expedited Processing by Fax Use the enclosed fax cover sheet and fax to 800-985-0230. Please be sure to keep a record of the successful fax transmission. Regular Processing by FedEx Follow the instructions on the reusable FedEx envelope and the enclosed return label (Billable (if Kit was received via FedEx) Stamp). Regular Processing by Mail Use the enclosed postage-paid envelope or mail to: Bank of America Student Loan Program PO Box 651210 Sterling, VA 20165 Page 2 of 15 Bank America *P_ IMPORTANT FEDERAL, AND STATE NOTICES: READ THESE NOTICES BEFORE SIGNING THE COMBINED PRIVATE EDUCATION LOAN APPLICATION AND PROMISSORY NOTE The following federal and state notices contain important information. These notices, and the copy of the Combined Private Education Loan Application and Promissory Note ("Combined Application/Note" or '`Note") included in this package, are provided to you to retain with your records. IMPORTANT INFORMATION ABOUT NEW ACCOUNT OPENING PROCEDURES To help the government tight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you apply for or open an account, we will ask for your name, address, date of birth, Social Security Number, and other information that will allow as to identify you, and we may ask for identifying documents from you as well. Provided the Student-Borrower ("Student") identified on the Combined Application/Note is a US citizen or Permanent Resident and is of legal age to contract, the Student will be fully obligated to repay the loan. (The legal age for entering into contracts is 18 years old in every state in the US except the following: Alabama & Nebraska - 19 years old.) NOTE: Students should apply with one or more creditworthy co-signers if they: (1) do not meet these criteria, or; (2) do meet these criteria, but in their determination, lack sufficient income or credit history to qualify for a loan on their own. All additional co-signers must complete and sign the Combined Application/Note, and both the Student and the co-signers will be obligated to repay the loan, if it is approved. Any Student who: (a) is a U.S. citizen or Permanent Resident; (b) is of legal age to contract, and; (c) wishes to rely only upon his or her own income and credit history, and not those of any co-borrowers, may apply for a loan in the Student's name alone. DO NOT SIGN THE COMBINED APPLICATIONINOTE BEFORE YOU READ IT. YOU ARE ENTITLED TO A COPY OF THE DOCUMENT YOU SIGN. YOU MAY PREPAY THE UNPAID BALANCE AT ANY TIME WITHOUT PENALTY, AND MAY BE ENTITLED TO A REFUND OF UNEARNED CHARGES IF REQUIRED BY APPLICABLE LAW. Residents of All States: The Lender receives and processes applications in Virginia and the Note is governed by federal and applicable Virginia law. California Residents: 1 have the right to prohibit the use of information contained in my credit file in connection with transactions not initiated by me. 1 may exercise this right by notifying the consumer credit reporting agency. A married applicant may apply for a separate account. If you take any adverse action as defined by Section 1785.3 of the California Civil Code and the adverse action is based, in whole or in part, on any information contained in a consumer credit report, I have the right to obtain within 60 days a free copy of my consumer credit report from the consumer reporting agency who furnished you my consumer credit report and from any other consumer credit reporting agency which compiles and maintains files on consumers on a nationwide basis. 1 have the right as described by Section 1785.16 of the California Civil Code to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency. California and Utah Residents: As required by California and Utah law, I am hereby notified that a negative credit report reflecting on my credit record may be submitted to a credit reporting agency if I fail to fulfill the terms of my credit obligations. Iowa, Kansas and Nebraska Residents: (For purposes of the following notice, the word "you" refers to the Student and the additional Borrowers, not the Lender) NOTICE TO CONSUMER. THIS IS A CONSUMER CREDIT TRANSACTION. 1. DO NOT SIGN THE COMBINED APPLICATION AND PROMISSORY NOTE BEFORE YOU READ THIS CREDIT AGREEMENT. 2. YOU ARE ENTITLED TO A COPY OF THE COMBINED APPLICATION/NOTE. 3. YOU MAY PREPAY THE UNPAID BALANCE AT ANY TIME WITHOUT PENALTY AND MAY BE ENTITLED TO A REFUND OF UNEARNED CHARGES IN ACCORDANCE WITH LAW. Maryland Residents: In Paragraph 18.k. of the Combined Application/Note, Lender and I have agreed that the Combined Application/Note is governed by federal law and the laws of Virginia, without regard to conflict of laws rules; if any court should nevertheless determine that the Combined Application/Note is subject to Maryland laws concerning credit, then only to the extent that Maryland law applies, Lender and I agree and elect that this loan is made under and governed by Subtitle 10. Credit Grantor Closed End Credit Provisions, of Title 12 of the Commercial Law Article of the Annotated Code of Maryland, except as preempted by federal law. Missouri Residents: Oral agreements or commitments to loan money, extend credit or to forbear from enforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect me (borrower(s)) and you (creditor) from misunderstanding or disappointment, any agreements we reach covering such matters are contained in this writing, which is the complete and exclusive statement of the agreement between us, except as we may later agree in writing to modify it. Nevada Residents: This is a loan for study. New Jersey Residents: The section headings of the Combined Application/Note are a table of contents and not contract terms. Portions of the Combined Application/Note with references to actions taken to the extent of applicable law apply to acts or practices that New Jersey law permits or requires. In the Combined Application/Note, acts or practices (i) by you which are or may be permitted by "applicable law" are permitted by New Jersey law, and (ii) that may or will be taken by you unless prohibited by "applicable law" are permiaed by New Jersey law. Maine, New York, Rhode Island and Vermont Residents: A consumer report (credit report) may be obtained from a consumer-reporting agency (credit bureau) in connection with this loan. 17 1 request (1) 1 will be informed whether or not consumer reports were obtained, and (2) if reports were obtained, I will be informed of the names and addresses of the credit bureaus that furnished the reports. If you agree to make this loan to me, a consumer credit report may be requested or used in connection with renewals or extensions of any credit for which I have applied, reviewing my loan, taking collection action on my loan, or legitimate purposes associated with my loan. Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Wisconsin Residents: For married Wisconsin residents, my signature on the Combined Application/Note confirms that this loan obligation is being incurred in the interest of my marriage or family. No provision of any marital property agreement (pre-marital agreement), unilateral statement under Section 766.59 or court decree under Section 766.70 adversely affects the interest of the Lender unless the Lender, prior to the time that the loan is approved, is furnished with a copy of the agreement, statement, or decree or has actual knowledge of the adverse provision when the obligation to the Lender is incurred. If the loan for which I am applying is granted, my spouse will also receive notification that credit has been extended to me. <<<RETAIN FOR YOUR RECORDS>>> Page 3 of 15 Combined Private Education Loan Application and Promissory Note Terms and Conditions Application ID: 10493702 Bankof 12/13/2006 (No white-outs or scratch-outs of terms will be accepted on this Note.) Unless otherwise indicated, the words "co-signer", I", "me", "us", "we", "our," "my" and "mine" mean the person(s) who signed this Combined Private Education Loan Application and Promissory Note ("Note"). The words "Borrower" and "Student Borrower" mean the person who is the primary borrower on the Loan. The words "you", "your", "yours" and "Lender" mean Bank of America, its successors and assigns, and any other holder of this Note. Capitalized terms used in this Note shall have the meanings given to them in Section 6, Definitions, or as defined elsewhere in this Note. 1. DESCRIPTION OF THE PROGRAM. Under this Bank of America Student Loan Program (the "Loan Program"), subject to the terms of this Note, I may borrow amounts to pay the Student's costs of attendance at the Student's School (the `Loan"). This Note sets forth the terms and conditions applicable to the Loan. 2. PROMISE TO PAY I (jointly and severally if more than one) promise to pay to you, or your order, the Loan Amount, plus interest on the outstanding Loan Amount at the rate described below in Section 7, and all other charges and fees that I am obligated to pay as provided in this Note. I will pay all of these amounts to you at the address shown on the monthly statements I receive from you. 3. LOAN DISBURSEMENT Subject to the terms and conditions of this Note, the Loan will be disbursed in one or more disbursements. You may withhold any disbursement of the Loan if I am in default under the terms of this Note. You will send me a check, which may be co-payable to me and the Student's School, or make an electronic disbursement to me or to the Student's School. Interest begins to accrue on the Disbursement Date of each such disbursement. 4. DOCUMENTATION: DISCLOSLRES I will receive a copy of this Note and a Disclosure Statement in connection with the Loan on or before the first disbursement of the Loan. The Disclosure Statement, in addition to other information, will contain information regarding my Loan Amount, the Fixed Rate and Fixed Rate Period, if any, and the percentage amount of any Loan Origination Fees that will be assessed at the time of each disbursement of the Loan. I will review the Disclosure Statement upon receiving it and will contact you if I have any questions. The Disclosure Statement, and any other documents relating to the Loan subject to the terms of this Note are incorporated in and made a part of this Note. 5. CONDITIONS FOR MAKING LOAN When you receive my signed Note, you are not agreeing to lend me money, and there will be no such agreement until you provide me the Disclosure Statement. Based upon an evaluation of my credit qualifications, which you may perform as part of your review of my application for a Loan you have the right not to make a Loan to me or lend an amount less than the amount I request. I understand and agree that 1 am eligible to receive disbursements only if the Student remains enrolled at the Student's School and proof of enrollment is provided to you. 6. DEFINITIONS a. "Disbursement Date" is any date on which you lend me money, which in the case of an electronic transfer is the date funds are transferred to me or to third parties on my behalf. For checks issued by you to me or to third parties on my behalf, the date of the check is the Disbursement Date. b. "Disclosure Statement" is a Disclosure Statement, Itemization of Amount Financed and Loan Terms setting forth the information required by the federal Truth-in-Lending Act and Federal Reserve Board Regulation Z, or as otherwise required by applicable law, or any other disclosure statement that you may provide when a written disclosure statement is not required under such laws. c. "Fixed Rate" is the fixed per annum rate of interest (if any) identified on the Disclosure Statement. d. "Fixed Rate Period" is the period of time (if any) identified as such on the Disclosure Statement, and is the period during which the Fisted Rate is in effect under this Note. The Fixed Rate Period, if any, commences on the first Disbursement Date. e. "In-School Period" is the period of time beginning on the first 'Disbursement Date and ending (i) six months following the Student's graduation; (ii) six months following termination of the Student's enrollment at the Student's School, or (iii) 84 months following the first Disbursement Date, whichever is earliest. f. "Loan" means the Private Education Loan made under this Note. g. "Loan Amount" is the total of all sums disbursed to me or on my behalf under the terms of this Note. h. "Note" means this Combined Private Education Loan Application and Promissory Note, and includes the Disclosure Statement, Lo-signor notices and all other notices that you provide me under this Note. i. "Repayment Period" means the 230-month period beginning on the first Disbursement Date during which I will repay the Loan Amount with interest. j. ""Student" is the person identified as the Student or the Student Borrower in this Note. k. "Student's School" is the college, university or other post-secondary institution or school that is an approved school under the Loan Program at which the Student is or will be enrolled. 7. INTEREST Interest will accrue on the outstanding Loan Amount at the Variable Rate (as defined below) beginning on the first Disbursement Date and continuing until the date this Note is paid in full or the Note is canceled. Interest will be calculated on the basis of a year of 365 days (366 days in a leap year) for the actual number of days elapsed. The "Variable Rate" payable under this Note is equal to the sum of the "Prime Rate" published in The Wall Street Journal in the "Money Rates" section on the first business day of each month (the "Index"), plus a margin (the "Margin") which initially will be as shown on the Disclosure Statement that is sent to me (the "Initial Margin"). Any change in the Index will result in a corresponding change in the Variable Rate that will take effect on the fifth business day of the month. If The Wall Street Journal is not published or the Index is not given, then the Index will be the immediately preceding Index. If the Index is discontinued or substantially altered, I agree that you may choose another comparable index. Beginning two (2) years after the first Disbursement Date, you may adjust the Margin from time to time as follows. If the Margin Adjustment Index ("MAI") on any Adjustment Date is different than the Base Index Figure, you may adjust the Margin, but you are not obligated to do so. If the MAI on any Adjustment Date is higher than the Base Index Figure, you may increase the Margin by an amount that is not more than the difference; if the MAI on an Adjustment Date is lower than the Base Index Figure, you may decrease the Margin by an amount that is not more than the difference. You are not obligated to decrease the Margin at any time, even if the Margin was previously increased. In no event will the Margin be increased to an amount greater than the Initial Margin plus 5%, or be decreased to an amount less than the Initial Margin minus 5%, or be less than zero. For the purposes of this paragraph, the "Margin Adjustment Index" is the "Charge- Off Rates for Credit Cards" as published in the Federal Reserve Statistical Release-Charge Off and Delinquency Rates on Loans and Leases at Commercial Banks-All Banks, NSA, the "Base Index Figure" is 5.9%, an "Adjustment Date" is the first day of any calendar month, and the Margin Adjustment Index for any date is the most recent Margin Adjustment Index published on or before that date. In the event the Margin Adjustment Index is no longer published or is substantially altered, I agree that you may choose a comparable index to determine permitted changes in the Margin. Any adjustment in the Margin will become effective as of a date designated by you. You will notify me of any adjustment to the Margin at least 30 days before the adjustment becomes effective. Notwithstanding the foregoing, during any Fixed Rate Period, interest will accrue on the outstanding Loan Amount at the applicable Fixed Rate. In no event will the Fixed Rate or the Variable Rate exceed the maximum interest rate that Bank of America, as a national bank located in the Commonwealth of Virginia, may charge under applicable law. 8. LOAN ORIGINATION FEES I agree to pay a Loan Origination Fee in connection with the Loan. The Loan Origination Fee for the Loan will be equal to the Loan Amount multiplied by the Loan Origination Fee percentage identified in the Disclosure Statement. You will calculate the Loan Origination Fee for each disbursement and add the amount of the Loan Origination Fee to the outstanding principal balance of the Loan on the Disbursement Date. Interest will accrue on such Loan Origination Fees from that date until paid in full. I will not be entitled to any refund of any Loan Origination Fee unless the Loan is canceled pursuant to Section 16. 9. LATE PAYMENT AND OTHER CHARGES If a monthly payment is not paid in full when it is due, 1 will pay a late payment charge of $5.00 or 5.00% of the unpaid payment amount, whichever is more, but in no event more than the amount allowed by law. If any payment of the amounts due on this Note is returned unpaid for any reason, including but not limited to insufficient funds or a stop payment order, I will pay you an insufficient funds fee of $15.00. 10. PAYMENTS a. Repayment Period. I will make monthly payments during the Repayment Period as follows: (a) during the In-School Period I will make monthly interest-only payments on the outstanding Loan Amount, and (b) thereafter I will make monthly payments of principal and interest, each of which will be the amount necessary to fully amortize and pay the then-current outstanding Loan Amount with interest at the then-applicable interest rate in substantially equal installments over the remaining number of months in the Repayment Period ("amortizing payments"). Notwithstanding the foregoing, I will begin to make amortizing payments of principal and interest one month after the start of the Repayment Period if I have elected to do so on the Application portion of this Note. b. Payment Terms. The outstanding Loan Amount and all accrued and unpaid interest shall be due and payable in full on or before the date the final payment is due as shown on the Disclosure Statement. My monthly payments will be due as indicated on each of my monthly billing statements; provided, however, I will still make a monthly payment on the same day each month even if I do not receive a monthly billing statement, and I will promptly notify you if I do not receive such a statement. Payments received will be applied first to collection costs, then to accrued interest, then to late charges and other fees and charges, and then to principal. Because interest accrues daily on the outstanding Loan Amount, if I do not make my monthly payment on time, I may owe more interest than I would owe if 1 had made my payment on time. Notwithstanding any other provision of this Note, if the monthly payment which would otherwise be due during the Repayment Period for the Loan is less than $20.00, I agree to pay a minimum monthly payment of $20.00 or the unpaid balance of the Loan, whichever is less. <<<RETAIN FOR YOUR RECORDS>>> Page 4 of 15 10493702 Combined Private Education Loan Application And Promissory Note (Rev. 05/2006) Bank of America Combined Private Education Loan Application and Promissory Note Terms and Conditions Application ID: 10493702 c. Variable Rate Changes. The monthly payment amount may change monthly if the Variable Rate changes as provided in Section 7. Upon any change in the Variable Rate, the monthly payments due will change as follows: (i) for interest-only payments, the payments will be adjusted to pay interest accrued each month at the then-current Variable Rate; and (ii) for amortizing payments, the amount of the monthly payments will be adjusted to fully amortize and pay the then-current outstanding Loan Amount with interest at the then-current Variable Rate in substantially equal installments over the remainder of the Repayment Period. 11. RIGHT TO PREPAY I have the right to prepay all or any part of my Loan at any time without penalty. A partial prepayment will not relieve me of my obligation to continue to make my regular monthly payments each month until this Note is paid in full. I will not be entitled to a refund of any Loan Origination Fee upon prepayment. 12. DEFAULT. I will be in default, and upon giving any notice to me required by applicable law, you will have the right to declare the entire outstanding Loan Amount, accrued interest, and all other amounts payable to you under the terms of this Note, immediately due and payable in full, if a. I fail to pay any scheduled payment when due. b. I fail to pay any other amount payable under the terms of this Note when due. c. I make an assignment for the benefit of creditors, have voluntary or involuntary bankruptcy proceedings instituted by or against me, am adjudicated incompetent, or die. d. I have made or make any false written statement in any document submitted to you in connection with my application for the Loan or in any communication regarding this Note or the Loan, e. I break any of my other promises under this Note. f. I fail to notify you in writing of any change of my name or address, or the transfer, withdrawal, or graduation of the Student within 30 days of the date the event occurs. g. I am in default under the terms of any other loan 1 have with you. Following any of the above events, you will have all the rights the law allows. Failure to receive a monthly statement does not relieve me of my responsibility and obligation to make payments in accordance with the terms and conditions of this Note. Your acceptance of any payment, in whole or in part, of any delinquent amount will not waive or affect any prior acceleration of this Note. Interest will continue to accrue after default at the applicable rate specified in Section 7 until this Note is paid in full. If I am in default, I will pay your reasonaole costs of collection, including attorneys fees, to the extent permitted by law. 13. USE OF PROCEEDS I represent and agree that the proceeds of the Loan made under this Note will be used solely for tuition and other reasonable education expenses, including, but not limited to room and board, fees, books, personal computer, supplies and equipment, laboratory expenses, transportation and commuting costs, and other education-related personal expenses of the Student. The Borrower (unless I am the Student for whose educational expenses the Loan is obtained) and /or co-signer, if any, will not receive any proceeds of the Loan. I understand that the loan is an educational loan and is not dischargeable in bankruptcy except pursuant to 1 I U.S. Code Section 523(a)8. 14. CORRECTION OF ERRORS All parties to this Note agree that they will fully cooperate and adjust any typographical, computer, calculation or clerical errors discovered in this Note or the Disclosure Statement. In such event, all parties involved will be notified and receive a corrected copy of the document. 15. NOTICES I will send written notice to you of any change in my name, address, telephone number, enrollment status or change in Student's School, within 10 days of such change. Any notice required to be given to me by you will be considered effective when (i) mailed by first class mail to the most recent address you have for the Borrower or Student Borrower, as applicable, in your records, or (it) if I agree to receive notices and other communications electronically, when transmitted by electronic communication tc the most recent electronic mail address you have for the Borrower or Student Borrower, as applicable, in your records. Unless required by applicable law, you need not give a separate notice to the co-signer, if any. 16. CANCELLATION I will review my Disclosure Statement, included with my Loan proceeds check, for the final terms of my Loan. My obligation to repay this Note does not occur until after I have endorsed, deposited or cashed a disbursement check, funds are disbursed to me, or on my behalf, or at my direction to a third party, either by check or electronic funds transfer. If I am not satisfied with the final terms of my Loan, 1 may cancel this Note and any disbursement by contacting you within fifteen (15) days after the Disbursement Date and returning any disbursement checks or electronically disbursed funds within that time period. 17. CREDIT INFORMATION I authorize you to request information from me and to make any inquiries you deem necessary or appropriate, including obtaining consumer reports from consumer reporting agencies, in connection with my application for the Loan, the review or collection of the Loan, or for any other lawful purpose. I authorize you to verify my income and check my credit and employment history, and to answer questions concerning your credit experience with me. I authorize you to release information to others (such as credit bureaus or other financial institutions) about the status and history of this Note. I also agree that you may release information to comply with governmental reporting or legal processes which you believe may be required, whether or not such release is in fact required, or when necessary or helpful in completing a transaction or when investigating a Toss or potential loss. 18. ADDITIONAL AGREEMENTS a. You may accept late payments and/or partial payments on the Loan, even if marked "paid in full" without losing your right to receive payment of all outstanding amounts under this Note or any of your other rights under this Note. No restrictive endorsement on any payment will be an accord and satisfaction of the balance due on the Loan unless you and I enter into an express written agreement. I agree not to send payments marked "paid in full," "without recourse" or with other restrictions unless they are marked for special handling and sent to you at the following address: Bank of America Student Loan Program, P.O. Box 651210, Sterling, Virginia, 20165- 1210. b. You may delay or fail to exercise or waive any of your rights on any occasion without losing your entitlement to exercise the right at any future time or on any future occasion. You will not be required to make any demand upon me, send me any notice, present this Note to me for payment or make protest of nonpayment to me before bringing legal action to collect this Note if I am in default, and I hereby waive any right I may otherwise have to require such action, to the extent allowed by applicable law. My responsibility for paying this Note is unaffected by the liability of any other person to me or you for repayment of this Note or by your failure to notify me that a required payment has not been made. You may release any other person liable on this Note without affecting my obligations under this Note. No course of dealing by you that varies from the terms of this Note will have the effect of modifying this Note or preventing you from enforcing all of the terms of this Note as written. c. I certify that I have not filed for bankruptcy in the past seven years. d. If, under this Note, an act or agreement must be "written" or in "writing," an act or agreement performed or provided by means of electronic communication will be considered to be "written" or in "writing," as the case may be. If, under this Note, a document must be "signed." a digital or electronic signature that complies with applicable federal law requirements or a facsimile signature will meet this requirement. e. Should any provision of this Note be held invalid or unenforceable, in whole or in part, such provision (or part of such provision) will be considered omitted from this Note, and the validity and enforceability of the remaining provisions of this Note shall not be affected, f Any modification of any provision of this Note must be agreed to in writing signed by you and me. Changes to terms provided for under this Note, including but not limited to changes in the Variable Rate and the Margin, are not modifications subject to this Section 18(f). No modification will affect the validity or enforceability of the remainder of this Note. Notwithstanding any other provision of this Note, you may forbear or defer payments under this Note from time to time and any number of times. g. If the charges on the Loan exceed the amount permitted to be charged by the law that governs this Note, then such charges will be reduced to such permitted amount and any excess already collected will be applied as partial prepayment of principal. It. You may assign this Note, and the Loan made hereunder, at any time without notice to me. I may not assign this Note, the Loan made under this Note, or any of its benefits or obligations, and my obligations under this Note will be binding on my estate. i. I understand and acknowledge that you do not in any way approve, promote or make any representations concerning the Student's School. It is my (our) responsibility to determine the quality of the Student's School. j. I agree that the Student's School in accordance with its refund policies may pay to you directly, or to whomever you direct, the amount of any refund of tuition, fees or other charges paid from the proceeds of this Note. I further agree to immediately deliver to you, or to whomever you direct, the amount of any such refund of tuition, fees or other charges that I receive, along with a written explanation of such refund. I understand that failure to complete the educational program undertaken by the Student does not relieve me of any obligation under this Note. k. This Note is governed by federal law, and to the extent not preempted by federal law, the law of the Commonwealth of Virginia. 19. PRIVACY; INFORMATION SHARING You may share information as described in the Bank of America Privacy Policy. I authorize you and the Student's School to make inquiries of or to respond to inquiries from me or you. I authorize you to release information and make inquiries of the persons I have listed on my application for the Loan for the purpose of obtaining my current address and telephone number. I also authorize you to report the following information concerning this Note and the Loan to the Student's School during the term of this Note: whether or not the Loan was approved, the Loan Amount, the outstanding Loan Amount, and any data provided on the application for the Loan or this Note and any attachments thereto. 20. DISCOUNTS a. Automatic Withdrawal. I will receive a 0.25% interest rate reduction for the term of the Note so long as my payments continue to be made on time using automatic withdrawal from my bank account. Interest rate reduction will terminate if 1 make any late payments (or otherwise default) on the terms of my loan. b. On Time Payments. I will receive a 0.75% interest rate reduction for the remaining term of the Note after I make the first 48 consecutive monthly payments on my Loan on time. Interest rate reduction will terminate if I make any late payments (or otherwise default) on the terms of my Loan. 21. CO-SIGNER RELEASE. Upon the request of all parties to the Note, the co-signers' obligations under the Note may be released for the remaining term of the Note if the first 48 consecutive monthly payments on the Loan are made on time, and if all parties remaining on the Note meet your then current credit policy. <<<RETAIN FOR YOUR RECORDS»> Page 5 of 15 10493702 Combined Private Education Loan Application And Promissory Note (Rev. 05/2006) Combined Private Education Loan Bank of X11` enc Application and Promissory Note Send with Attachments to: Bank of America Student Loan Program Application ID: 10493702 PO Box 651210 Sterling, VA 20165-1210 Product ID: E - OR fax to: 800-985-0230 Have Questions? Call: 877-532-7619 A. STUDENT BORROWER Name DICK KIRCHNER Date of Birth 12/111967 Social Security # 181-60-0205 Permanent Address 206 West Pine Street City Mt. Holly Sorinas State PL Zip 17065 If less than 2 years at permanent address, list previous address Home Telephone (Permanent) 717-486-5989 School Telephone (Temporary) Are you a U.S. Citizen? E Yes D No If no, are you a permanent resident? D Yes D No (If yes, please attach a copy of your INS Form I 551) If both above answers are No, are you an International Student? ? Yes ? No Please attach a copy of your I-20 ID, or your I-94, or your F-1 or J-1 visa along with a copy of your passport. E-mail address: Oeetar1870coaol.com Employer/Company Name: International Tax Advisors 1200 Barclay Boulevard Buffalo Grove. IL 71388 Telephone: 847-495-3070 Length of Time at Current Employer: 1 to 2 years Annual Employment Income: $60.000.00 Additional Annual Income **: Retirement Assets: Non-Retirement Assets: $25.000.00 Monthly Housing Payment: D Own D Rent Reference Name (relative not living with you): Lawrence Behney Telephone: 717-564-2493 Driver's License Number: 21435404 State Issued: PA "ALIMONY, CHILD SUPPORT OR SEPARATE MAINTENANCE INCOME NEED NOT BE REVEALED IF YOU DO NOT WISH TO HAVE IT CONSIDERED AS A BASIS FOR REPAYING THIS LOAN. You will be a borrower of this loan, should it be approved, on the condition you are a U.S. Citizen or a Permanent Resident and of legal age in your state of residence which is 18 in all states with the following exceptions: Alabama and Nebraska, 19 years old. NOTICES: By completing the CO-SIGNER #1 information below, the applicants agree that they are applying for joint credit. The proceeds of this loan will be disbursed to the person who signs this combined application and promissory note as STUDENT BORROWER. Name MILDRED KERCHNER Date of Birth 3/31/1932 Social Security # 255-46-5606 Permanent Address 206 West Pine Street City Mt. Holly Sorinas State PA Zip 17065 Telephone 717-486-5989 If less than 2 years at permanent address, list previous address Relation to Student: Parent Are you a U.S. Citizen? 7 Yes O No If no, are you a permanent resident? ? Yes ? No (If yes, please attach a copy of your INS Form I 551) Employer/Company Name Telephone: Length of Time at Current Employer: _ Annual Employment Income: $87.500.04 Additional Annual Income **: $36,000.00 Retirement Assets: $310.000.00 Non-Retirement Assets: $127.500.00 Monthly Housing Payment: D Own D Rent Driver's License Number: 16588592 State Issued: PA --ALIMONY, CHILD SUPPORT OR SEPARATE MAINTENANCE INCOME NEED NOT BE REVEALED IF YOU DO NOT WISH TO HAVE IT CONSIDERED AS A BASIS FOR REPAYING THIS LOAN. NOTICE: By completing the CO-SIGNER #2 information below, the applicants agree that they are applying for joint credit. Name Date of Birth Social Security # Permanent Address City State _ Zip _ Telephone If less than 2 years at permanent address, list previous address Relation to Student: Other Are you a U.S. Citizen? C Yes D No If no, are you a permanent resident? ? Yes ? No (If yes, please attach a copy of your INS Form I 551) Employer/Company Name: _ Telephone: Length of Time at Current Employer: _ Annual Employment Income: _ Additional Annual Income **: Retirement Assets: _ Non-Retirement Assets: _ Monthly Housing Payment: - ? Own ? Rent Driver's License Number: _ State Issued: -ALIMONY, CHILD SUPPORT OR SEPARATE MAINTENANCE INCOME NEED NOT BE REVEALED IF YOU DO NOT WISH TO HAVE IT CONSIDERED AS A BASIS FOR REPAVING THIS LOAN. <<<RETURN TO BANK OF AMERICA STUDENT LOAN PROGRAM>>> Page 6 of 15 Combined Private Education Loan Application and Promissory Note (Rev. 5/2006) ?????? 1 0 4 9 3 ??N? ?7 0?N? 2??? ???? I III?I I III 0 IIIII II III Bank America ,. . Bank of America Student Loan Program Education Loan Disclosure Statement The information presented below is preliminary, and reflects the terms that will apply based on (1) the Loan Amount shown in the cover letter and (2) your stated preference to either defer or not defer the principal repayment of your loan. If you change your principal deferral option, your APR and Monthly Payment will change. To understand how this change will affect your loan tetras, please call 877-532-7619, or visit us online at http://student.bankofamerica.com. Final loan terms and disclosures will be provided to you when your loan is approved for disbursement. Loan Amount Fees at Origination Repayment Term Variable Rate Variable Rate Information Annual Percentage Rate (APR) ** (3) Initial Monthly Payment ** (af $11,000.00 Application Fee: 240 Variable at Variable rate is adjusted on the 5" business day of (4) 9.22%a 22 payments None Months n) 8.75% each month during the $83.02 218 payments term of the loan and is equal to the "Prime Rate" $104.45 as of as reported on the first Loan Origination 12/13/2006 business day of each Fee: month in The Wall Street (I l Journal, plus an Initial 3.50"/ Margin ofO.50o/, (2' °' The APR and monthly payment(s) shown are based on the interest rate, origination fee and term shown. The APR and monthly payment may change based on changes in the interest rate because of changes in the Prime Rate and the Margin. (1 ) You will pay interest on the sum of the loan amount and the one-time origination fee over the term of the loan. (2) The Margin may change based on changes in the Margin Adjustment Index which is the "Charge-Off Rates for Credit Cards" as published in the Federal Reserve Statistical Release - Charge Off and Delinquency Rates on Loans and Leases at Commercial Banks - All Banks, NSA from the Base Index of 8.25. The Margin will not change sooner than two years after the date of the loan, and thereafter may change upon 30 days notice. The Margin will never be increased to more than the Initial Margin plus 5%. (3) If you selected on the Application the Repayment Option of Interest Only (while in school), you will pay interest only during the In-School Period (this option is not available with all loan programs). If you selected the Repayment Option of Interest Only (while in school), the APR is a blended rate reflecting both periods and the Monthly Payment shows the payments for the two periods separately. If you did not select the Repayment Option of Interest Only (while in school), the Monthly Payment does not change during the term of the loan. (4) If you choose automatic withdrawal, you will receive a 0.25'% interest rate reduction for the term of the Note so long as your payments continue to be made on time using automatic withdrawal from your bank account. If you cancel your automatic withdrawal payments, your interest rate will increase by 0.25% to the applicable contract rate. EQUAL CREDIT OPPORTUNITY ACT NOTICE The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal Agency that administers compliance with this law concerning the lender, Bank of America, is: Comptroller of the Currency - Customer Assistance Group, 1301 McKinney Street, Suite 3450, Houston, TX 77010-9050. Bank of America Student Loan Program is a program of Bank of America Bank of America, N.A. Member FDIC Equal Housing Lender. C, 2006 Bank of America Corporation. All Rights Reserved. Application ID: 10493702 -RETAIN FOR YOUR RECORDS>>> Page 8 of 15 STUDENT - EDU 06/06 Bank America NOTICE TO CO-SIGNER You are being asked to guarantee this debt. Think carefully before you do. If the borrower doesn't pay the debt, you will have to. Be sure you can afford to pay if you have to, and that you want to accept this responsibility. You may have to pay up to the full amount of the debt if the borrower does not pay. You may also have to pay late fees or collection costs, which increase this amount. The creditor can collect this debt from you without first trying to collect from the borrower. The creditor can use the same collection methods against you that can be used against the borrower, such as suing you, garnishing your wages, etc. If this debt is ever in default, that fact may become a part of your credit record. This notice is not the contract that makes you liable for the debt. AVISO PARA EL FIADOR Se le esta pidiendo que garantice esta deuda. Pidnselo con cuidado antes de ponerse de acuerdo. Si la persona que ha pedido este prdstamo no paga la deuda, usted tends que pagarla. Este seguro de que usted pods pagar si sea obligado a pagarla y de que usted desea aceptar la responsabilidad. Si la persona que ha pedido el prestamo no paga la deuda, es posible que usted tenga que pagar la suma total de la deuda, mas los cargos por tardarse en el pago o el costo de cobranza, to cual aumenta el total de esta suma. El acreedor (financiero) puede cobrarle a usted sin, primeramente, tratar de cobrarle al deudor. Los mismos mdtodos de cobranza que pueden usarse contra el deudor, podran usarse contra usted, tales como presentar una demanda en cone, quitar parte de su sueldo, etc. Si alguna vez no se cumpla con la obligacion de pagar esta deuda, se puede incluir esa informacion en la historia de crddito de usted. Este aviso no es el contrato mismo en que se le echa a usted la responsabilidad de la deuda. For Obligors Cosigning in West Virginia: You are being asked to guarantee this debt. Think carefully before you do. If the borrower doesn't pay the debt, you will have to. Be sure you can afford to pay it if you have to, and that you want to accept this responsibility. You may have to pay up to the full amount of the debt if the borrower does not pay. You may also have to pay late fees or collection costs, which increase this amount. The creditor can collect this debt from you without first trying to collect from the borrower. The creditor can use the same collection methods against you that can be used against the borrower, such as suing you, garnishing your wages, etc. If this debt is ever in default, that fact may become a part of your credit record. This notice is not the contract that makes you liable for the debt. For Obligors Cosigning in Iowa, New York and South Carolina: You agree to pay the debt identified below although you may not personally receive any property, goods, services, or money. You may be sued for payment although the person who receives the property, goods, services, or money is able to pay. You should know that the Total of Payments listed below does not include finance charges resulting from delinquency, late charges, repossession or foreclosure costs, court costs or attorney's fees, or other charges that may be stated in this Credit Agreement or contract. You will also have to pay some or all of these costs and charges if this Credit Agreement or contract, the payment of which you are guaranteeing requires the borrower to pay such costs and charges. This notice is not the Credit Agreement or contract that obligates you to pay the debt. Read the Credit Agreement or contract for the exact terms of your obligation. For Obligors Cosigning in Vermont: Your signature on this credit agreement means that you are equally liable for repayment of this loan. If the borrower does not pay, the lender has a legal right to collect from you. Application ID: 10493702 -RETAIN FOR YOUR RECORDS- Page 9 of IS Bank America *.;0. Fax Cover Sheet To: Director, Customer Care Fax: 800-985-0230 Phone: 877-532-7619 Re: 10493702 Z URGENT: For Immediate Attention and Processing r - w - - - - - - - - - - - - - - - - 1 1 I Before faxing or mailing required documentation, please write your Application ID (10493702) in the top, left-hand corner of each page. I - - - - - - - - - - - - - - - - - J From: DICK KIRCHNER Pages: Date: Page 10 of IS 11111111111111111111111 IN I IIIYMIIII IIIIIIIIII 1 0 4 9 3 7 0 2 6 0 0 6 Bank o America ? I ?. SIGN UP TODAY AND START TO SAVE! Automatic Payment Authorization Do you want to save postage and time and avoid the hassle of writing a check every month? Have our education loan payment deducted automatically from our Checking or Savings account, and EARN A 0.25% INTEREST RATE REDUCTION AS LONG AS YOU MAKE YOUR PAYMENTS AUTOMATICALLY! Borrower Nanre Account Number or Application ID Work Phone Number 10493702 Address (Street, City, State, Zip Code) Email Address Home Phone Number Automatic Monthly PayMent Account Type Bank Name and Address ? Checking Account ? Savings Account 9-digit Bank Routing Number Bank Account Number Automatic Monthly Payment Amount ? Monthly Payment Amount Due ? Specify $ I I Attach Voided Check Here - - - - - - - - Your Name Your Street Address 1212 I Your City, State, ZIP -i]Xd/id Date I 5. ids/d. I Pay to the 1 Order of _ S 1 r 1 Dollars 1 1 Bank Name & Logo nt?u wr ivatdse? I I Memo I 1: 1 21 234567 :1 1 23456731, 567.0 121 2 1 I I Your 9-Digit Bank Routing Number Your Bank Account Number - - - - - Attach Voided Check Here - - - - - - - - - The above-named Borrower ("You" or "Your") has authorized EduCap ("Us" or "We") or its Successors or Assigns to withdraw the indicated monthly Automatic Payment Amount from Your Account at the above-mentioned Financial Institution on the payment due date for the purpose of making payment on your student loan account. Your statement will notify you when your automatic payment is activated. To revoke this authorization please call 1-866-544-3131 at least 3 business days prior to your next scheduled payment due date. You are responsible and liable for all authorized transactions made under this Automatic Payment Authorization. We will not be liable for any fees your Financial Institution may assess if you do not have sufficient funds in your account to cover the payment. All payments will be posted to Your Account on the statement due date. If your due date falls on a weekend or holiday, your payment will be posted on the next business day. You understand that purposely false or misleading information given on this form may be considered fraud and covered under applicable laws. If, under this Automatic Payment Authorization, an act or agreement must be "written" or "in writing," an act or agreement performed or provided by means of electronic communication will be considered to be "written" or "in writing," as applicable. If, under this Automatic Payment Authorization a document must be "signed," a digital or electronic signature that complies with applicable federal law requirements or a pre-affixed facsimile signature will meet this requirement. Borrower Signature Borrower Social Security Number Today's Date Page 11 of IS 111111111111111 IN 11111 IN iiiuia1111 IN 11 0 4 9 3 7 0 2 2 0 0 2 Bank of America Privacy Policy for Consumers 2006 Our privacy commitment to you To learn more about how Bank of America manages Customer Information and what actions you can take, please continue reading. We have made a few changes to our policy that provide you with more options about managing Customer Information. We are committed to respecting and protecting our customers' privacy. This document includes information about: 1. Making the security of information a priority 2. Collecting information 3. Managing information 4. Making sure information is accurate 5. Honoring your preferences 6. Actions you can take 7. Guarding your own information 8. Bank of America Companies This policy covers Customer Information, which means personally identifiable information about a consumer or a consumer's current or former customer relationship with Bank of America. This policy is provided to you as required by the Federal Financial Privacy Law* and applies to our companies identified in Section 8, Bank ofAmerica Companies. 1. MAKING THE SECURITY OF INFORMATION A PRIORITY Keeping financial information secure is one of our most important responsibilities. We maintain physical, electronic and procedural safeguards to protect Customer Information. Appropriate employees are authorized to access Customer Information for business purposes only. Our employees are bound by a code of ethics that requires confidential treatment of Customer Information and are subject to disciplinary action if they fail to follow this code. 2. COLLECTING INFORMATION We collect and use various types of information about you and your accounts to service your accounts, save you time and money, better respond to your needs, and manage our business and risks. Customer Information is categorized in the following six ways: A Identification Information - information that identifies you such as name, address, telephone number and Social Security number. B. Application Information - information you provide to us on applications and through other means that will help us determine if you are eligible for products you request. Examples include assets, income and debt. C. Transaction and Experience Information - information about transactions and account experience, as well as information about our communications with you. Examples include account balances, payment history, account usage, and your inquiries and our responses. D. Consumer Report Information - information from a consumer report. Examples include creditworthiness and credit history. E. Information from Outside Sources -- information from outside sources regarding employment, credit and other relationships that will help us determine if you are eligible for products you request. Examples include employment history, loan balances, credit card balances, property insurance coverage and other verifications. F. Other General Information - information from outside sources, such as data from public records, that is not assembled or used for the purpose of determining eligibility for a product or service. As required by the USA PATRIOT Act, we also collect information and take actions necessary to verify your identification. 3. MANAGING INFORMATION We manage how and when information is shared: • Within Bank of America • With companies that work for us • With third parties • In other situations Managing information within Bank of America Bank of America is made up of a number of companies, including financial service providers such as our brokerage company and credit card company, and nonfinancial companies such as our operations and servicing subsidiaries. Bank of America may share any of the categories of Customer Information among our companies. For example, sharing information could save you time opening your new account since you may not need to furnish the same information twice. Sharing information also allows us to use information about your ATM, credit card and check card transactions to identify any unusual activity and then contact you to determine if your card has been lost or stolen. *15 U.S.C 6801-6810 -RETAIN FOR YOUR RECORDS>>> Page 12 of 15 We occasionally receive medical or health information from a customer if, for example, a customer applies for insurance from us. We also may obtain information from insurance support organizations not affiliated with Bank of America that prepare and provide reports to others as well as to us. We do not share medical or health information among our companies, except to maintain or collect on accounts, process transactions, service customer requests or perform insurance functions, to the extent permitted by law. Managing information with companies that work for us We may share any of the categories of Customer Information with companies that work for us, including companies located outside the United States. All nonaffiliated companies that act on our behalf and receive customer information from us are contractually obligated to keep the information we provide to them confidential, and to use the Customer Information we share only to provide the services we ask them to perform. These companies may include financial service providers such as payment processing companies, and nonfinancial companies such as check printing and data processing companies. These companies might assist us, for example, in processing your transactions, mailing account statements and fulfilling your service requests. In addition, we may share any of the categories of Customer Information with companies that work for us in order to provide marketing support and other services, such as a service provider that distributes marketing materials. These companies may help us to market our own products and services, or other products and services that we believe may be of interest to you. Please note that some of our own companies may provide marketing support and other services for us as well. Sharing information with third parties for customers with credit cards and Sponsored Accounts only We may share Identification Information, Transaction and Experience Information, as well as Other General Information we collect about each of your (1) Bank of America or MBNA credit card account(s) and (2) Sponsored Accounts at Bank of America, with selected third parties. I . Credit card account information, whether co-branded or not, may be shared with third parties; and 2. Sponsored Account information may be shared with third parties. Sponsored Accounts are non-credit card accounts or services provided by Bank of America or MBNA that are also endorsed, co-branded or sponsored by other organizations. Examples of these organizations include colleges, sporting teams, retailers and other affinity organizations, such as charities. Sponsored Accounts may include deposit accounts or other banking services provided by Bank of America, such as a savings account co-branded with an automobile club. You will know whether an account is a Sponsored Account by the appearance of the name or logo of the sponsoring organization on account materials, such as statements, applications and online forms. We may share information about credit cards and Sponsored Accounts with selected third parties including: • Financial services companies (such as insurance agencies or companies and mortgage brokers, and organizations with whom we have agreements to jointly market financial products); • Nonfinancial companies (such as retailers, travel companies and membership organizations); and • Other companies (such as nonprofit organizations). Information shared, as described in this section, is limited to credit cards and Sponsored Accounts only. You may elect to opt out of this sharing. Please see Section 5, Honoring Your Preferences. Disclosing information in other situations We also may disclose any of the categories of Customer Information to credit bureaus and similar organizations and when required or permitted by law. For example, Customer Information may be disclosed in connection with a subpoena or similar legal process, fraud prevention or investigation, risk management and security, and recording of deeds of trust and mortgages in public records. Customer Information may also be disclosed to companies that process your requests for products or services or in connection with the sale of your account to another financial institution. We also may share any of the categories of Customer Information outside Bank of America companies when we have your consent, such as when you request a specific insurance rate quote from a third-party insurer. 4. MAKING SURE INFORMATION IS ACCURATE Keeping your account information accurate and up to date is very important. You have access to your account information, which includes your contact information, account balances and transactions and similar information, which we provide to you through various means, such as account statements, telephone banking, Online Banking and in response to specific requests. If your account information is incomplete, inaccurate or not current, please call or write to us at the telephone number or appropriate address for such changes listed on your account statement, bank records or other account materials. We will promptly update or correct any erroneous information. 5. HONORING YOUR PREFERENCES - You have choices when it comes to how Bank of America shares and uses information. Sharing among Bank of America companies You may request that Application Information, Consumer Report Information and Information from Outside Sources not be shared among Bank of America companies. Information is shared among Bank of America companies to complete applications for new products or services that you request, thereby saving you time, and to manage our business and risks. During the normal course of doing business, we will continue to share Identification Information, Transaction and Experience Information, as well as Other General Information among our companies. Vermont residents - see additional information at the end of this policy. For sharing among Bank of America companies, each customer may tell us his or her preferences individually, or you may tell us the preferences for any other customers who are joint account owners with you. <<<RETAIN FOR YOUR RECORDS- Page 13 of 15 Options for sharing with third parties for customers with credit cards and Sponsored Accounts only If you have a Bank of America or MBNA credit card or Sponsored Account, you may request that we not share information about these accounts with third parties. If you are unsure whether any of your accounts are Sponsored Accounts, please contact 1.888.341.5000. If you request that we not share information with third parties, we may still share information: • where permitted or required by law as discussed in Section 3 under Disclosing information in other situations; and • with our service providers as discussed in Section 3 under Managing information with companies that work for us; and • with other financial companies with whom we have joint marketing agreements. If you do not have a credit card or Sponsored Account, this section does not apply to you. If you have multiple credit cards or Sponsored Accounts, you will need to express your preference for each account separately. When any customer on a joint account requests that we not share with third parties, we apply that preference to the entire account. Direct marketing You may choose not to receive direct marketing offers - sent by postal mail, telephone and/or e-mail - from Bank of America. These preferences apply to all marketing offers from us and from companies working for us. To minimize the amount of telephone solicitation our customers receive, Bank of America does not offer nonfinancial products and services through telephone solicitations. Direct marketing offers from us may include information about products and services we believe may be of interest to you. If you choose not to hear from us, you may not learn about beneficial offers. If you elect not to receive direct marketing offers by postal mail, telephone and/or e-mail, please note that we may continue to contact you as necessary to service your account and for other nonmarketing purposes. You may also be contacted from your client relationship manager or assigned account representative if applicable. Bank of America may also continue to provide marketing information in your regular account mailings and statements, including online and ATM communications. Each customer may opt out of each direct marketing option individually. Since marketing programs may already be in progress, it may take up to 12 weeks for your preferences to be fully effective in some situations. 6. ACTIONS YOU CAN TAKE You can tell us your preferences by: • Notifying us at bankoftrnerica.com/privac and entering your information on a secure Web site • Calling us toll free at 1.888.341.5000 • Talking to a customer representative at a banking center or to your client relationship manager When you contact us, please be prepared to provide the following information for each individual: • First name, middle initial and last name • Address, city, state and ZIP code • Account or reference number for third patty sharing opt-outs • Social Security number • Telephone number (if applicable) • E-mail address (if applicable) If any of these pieces of information change, other than your account number, please notify us to ensure that your preferences are consistently honored. Once you have told us your preferences, we will continue to honor them. You do not need to take any further action. 7. GUARDING YOUR OWN INFORMATION Bank of America recommends that you take the following precautions to guard against the disclosure and unauthorized use of your account and personal information: • Review your monthly account statements thoroughly and report any suspicious activity to us. • Report lost or stolen checks, credit or debit cards immediately. • Never provide personal information over the phone unless you have initiated the call and know with whom you are speaking. • Do not preprint your driver's license or Social Security number on checks. • Safeguard ATM, credit and debit cards. Memorize PINs (personal identification numbers) and refrain from writing PINS, Social Security numbers or credit card numbers where they could be found. • Store cancelled checks, new checks and account statements in a safe place. • Tear up or shred any pre-approved credit offers to which you do not respond. • Review your credit report at least once every year. Make sure all information is up to date and accurate, and have information relating to fraudulent transactions deleted. For a free copy of your credit bureau report, contact annualcreditreport.com or call 1.877.322.8228. • If you think you have been a victim of identity theft or fraud, contact one of the three major credit bureaus to place a fraud alert on your account. For more information about guarding your account and personal information, as well as our online practices, please visit our Web site at bankofamerica.com/privacy. <<<RETAIN FOR YOUR RECORDS>>> Page 14 of 15 Reducing direct marketing from other companies You may contact the following agencies if you want to reduce the amount of advertising you receive from companies outside Bank of America: • Credit Reporting Industry. To have your name taken off all pre-approved credit solicitations (not just Bank of America solicitations), you may call the credit reporting industry Prescreening Opt-Out number at 1.888.50PTOUT (1.888.567.8688). ¦ National Do Not Call Registry. Bank of America supports the National Do Not Call Registry. To have your phone number added to the National Do Not Call Registry, you may call 1.888.382.1222 or register at donotealLt?ov. While this will stop most calls, you may still receive calls from businesses where you are a customer. Keeping up to date with our Privacy Policy As required by law, Bank of America will provide notice of our Privacy Policy annually, as long as you maintain an ongoing relationship with us. To receive the most up-to-date Privacy Policy, you can visit our Web site at: bankofamerica.com/privacy or call us at 1.888.341.5000. We may make changes to this policy at any time and will inform you of changes, as required by law. 8. BANK OF AMERICA COMPANIES This Privacy Policy applies to the following companies that have consumer customer relationships with Bank of America: Banks and Trust Companies Marsico Capital Management, LLC Bank of America, N.A. White Ridge Investment Advisors LLC Bank of America Trust Company of Delaware, N.A. Credit Card Banc of America Consumer Card Services, LLC. Bank of America Bank of America, N.A. (USA) Fleet Credit Card Services, L.P. MBNA America (Delaware), N.A MBNA America Bank, N.A. Brokerage and Investments BACAP Advisory Partners, LLC BACAP Alternative Advisors, Inc. BACAP Distributors, LLC Banc of America Capita': Management, LLC Banc of America Futures, Inc. Banc of America Investment Services, Inc. Banc of America Securities LLC Bank of America Capital Advisors LLC Columbia Management ,Advisors, Inc. Columbia Wanger Asset Management, L.P. Insurance and Annuities BA Agency, Inc. BA Insurance Services, Inc. Banc of America Agency, LLC Banc of America Agency of Nevada, Inc. Banc of America Agency of Texas, Inc. Banc of America Insurance Services, Inc. Bank of America Reinsurance Corporation Fleet Insurance Services, LLC General Fidelity Insurance Company General Fidelity Life Insurance Company MBNA Insurance Agency, Inc. NationsBanc Insurance Company, Inc. Real Estate HomeFocus Services, LLC NationsCredit Financial Services Corporation Automobile Financing Banc of America Auto Finance Corp. For a current list of Bank of America companies that have consumer customer relationships and to which this policy applies, please visit our Web site at bankofamerica.com/privacy. This policy applies to consumer customer relationships established in the United States and is effective July 1, 2006. This notice constitutes the Bank of America Do Not Call Policy under the Telephone Consumer Protection Act for all consumers and is pursuant to state law. You may have other privacy protections under state laws, such as Vermont and California. To the extent these state laws apply, we will comply with them with regard to our information practices. For Nevada residents only, Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number- 702.486.3132; e- mail: BCPINFO(i.ua.astate.nv.us. Bank of America, PO Box 25118, FL1-300-02-07, Tampa, Florida 33633-0900. For Vermont residents only. The information-sharing practices described above are in accordance with Federal law. Vermont law places additional limits on sharing information about Vermont residents so long as they remain residents of Vermont. In accordance with Vermont law, Bank of America will not share information we collect about Vermont residents to companies outside o 'Bank of America except as permitted by law: • To companies that perform marketing or other services on our behalf, • Name, contact and transaction and experience information (such as your account balance and payment history) to other, financial institutions with which we have joint marketing agreements; or • With the authorization or consent of the Vermont resident. Bank of America will not share Application Information, Consumer Report Information and Information from Outside Sources about Vermont residents among the Bank o 'America companies except with the authorization or consent of the Vermont resident. Estas normas estan disponibles en espaiiol a trav6s de la sucursal bancaria de su localidad. 02006 Bank of America Corporation. 3/2006 «<RETAIN FOR YOUR RECORDS>>> Page 15 of 15 12,117/2006 14:58 FAX 7176913112 Z003 Combined Private Education Loan Bankof America gppllGatlan and Promissory Note send with Attachments to. Bank of America Student Loan Program Application 10; 10493702 Po BOX 651210 Sterling, VA 20165-1310 Product tb: E OR fax to: 800-985-0230 Wave questions? Gall; 877-532-709 Loan Amount Requested; i11.000.00 Repayment while In : dW41: Loan amount may include, but Is not limited to, wnenttmext period tuition, roam and board, 7 Interest Only Payment fees, books, personal computer, supplies and equipment, laboratory expenses, transportation and commuting costs, C Prlnelpal and Interest Payments and other education-related personal expenses of the Student. Requested Disbursement Dote (optional): Must po within 90 days of raceipt of application School Name: uwvERSCfY OF PENNSYLVANIA School Code/6ranch; Anticipated Graduation Date; siv2a!e Address 1 COLLEGE HALL 34TH A D SPRt1C9 !"YA City PHILADELPHIA _- State PA Zip 19104 Academic year for Use of Funds; From: LV2ad7 To; 511/2008 0 Undergraduate W Graduate O Full-time S part-time 17 Half-time Uve on Campy? ? Yes 0 No In State? O Yes DI No Notice: If more than one person signs this Combined Private Education Loan Application and Promissary Note ("Notc), the berths of which are contained In all 4 PageF hereof, each of you Is fully and personally obligated to keep all of the promise, made in this Note, including the promise to pay the full amount owed. The holder of this Note may enforn its rights under this Note against each of you Individually oe against all of you together. This means that any one OF you may be required to pay all of the amounts owed under this flute, which may include interest charges, late Fees and collection costs. teach of you is subject to the same collection methods, which may Induce suing you, garnishing your wages oi other remedies aliowed by law. We may report information about this account to crbait bureaus. Late pare missed payments, or other defaults an this account may be reReeted in yi if credit repot, Promise to Pay: For value received, each of the under ilgncd, jointly and Severally, it more than one, promilse to pay to bender the Loan Amount, together wltn Inters: t In agwrolanSe with the terms of this Nate and Diseiesure Statement that will be provided to me before disbursement of the Loan, Capitalized terms are defined In Sccdon 6 an page . of this Note. I acknowledge that I have read this entire Note and hove been provided wikh a copy of the Note to retain for my records. Authoriirations: By signing below, I agree to the terms and conditions contained in this note Including the Following: Every"Ing disclosed in the application portion of 1hit Note is true and correct to the best of my knowledge. The proceeg5 of the Loan made as a result of my application will be used only for educatlonaf purposes. I authorize Leader i -ia Its agents to check my credit, Income, enrollment and employment history. I authorize Lender to discuss the status of my application with the school on my behalf, If more than tie person signs below, we Intend to apply for a joint account. motico to Co-signer(s): You are being asked to guarantee this debt. Think eaeefully before you do. If the borrower doesn't pay the debt, you will have to. Be sure you A in afford to pay If you have to, and that you wank to accept this responsibility. You may have to pay up to the full arnqunt of the debt if the borrower does not pay, You may also have ko pay late fees or collection costs, which increase tnls amount. The creditor can collect this debt from you without first trying to colicct from the borrower. The creditor can use the same co?.ection methods against you that can be used against the borrower, such as suing you, gamishing your wages, etc. If this debt is ever In default, that Fact may become a part of your cn•dit record. This notice is not the controct that makC9 you liable for the debt, I authorize you to make the loan proceeds payable to the person signing as STUDENT SORRf]yv -- F V • STUDENT BORROWER DATE . r. ?4s `. CO-SIGNER #1 yM , r . , . r CO-SIGNER #2 DATE DATE warning: Any person who knowingly makes a raise statement or misrepresentation on this form Is subject to penalties which may Include fines or Imprisonment. t«RETURN TO BANK OF AMERICA STUDENT LOAN PROGRAM»> Page 7 of 15 Combined Privute Fdut%tion Lowt Application and Promissory Not (Rev. 512006) n IIIIVV???? 0 4 9 3 7 0u2 PAGE 3112' RCVD AT 12117120061,36:30 PM Rastem Standard Time]' SVR:STE2K3RF114' DNIS:4692' CSID:7176913112' DURATION (mmrss):04r22 EduCap Inc., disbursement agent for Bank of America, N.A. P.O. Box 651118 Sterling, Virginia 20165--1118 47 2 3 FEDERAL EXPRESS 324807489 DICK KIRt EDM 206 WEST PINE STREET MT HOLLY 3PRINes PA 17065 TRUTH IN LENDING DISCLOSURE STATEMENT ITEMIZATION OF AMOUNT FINANCED AND LOAN TERMS LENDER: Bank of America REFERENCE 015493702 DATE12121/2006 BORROWER (S) ADDRESS: SSN DICK KIRCHNER 206 WEST PINE STREET,MT HOLLY SPRINGS PA 17065 **0205 MILDRED KERCHNER 206 WEST PINE STREET,MT HOLLY SPRINGS,PA 17065 5606 LOAN AMOUNT: $11 000.00 INITIAL MARGIN: INDEX RATE: 8.25% INITIAL INTEREST RATE: 8,75% ORIGINATION FEE 3, CURRENT htARGEN ADJUSTMENT INDE.I': 5 FINAL PA1"' >FNT DUE: 12 18 26 ANNI)AL FINANCE Amount Financed Total of Payments PERCENTAGE RATE CHARGE The amount ofctedit provided o you or (lie amount you will have paid after The cost of your credit as yearh' rate The doikar amount the credit will cast on vow behalf. making all scheduled payments, which which may vary you, which may vary . may vary: .22''e 51 59 $11,000.00 $24,596.50 Your payment schedule will be: "e" rte= estimate Number of Payments Amount of Payments When Payments are Due 22 $83.02 a Monthly innin 01/18/2007 e 218 $104.45 a Monthly Beginning 11/18/2008 e e e e C e e e e c e z e e e z e Variable Rate: The ANNUAL PERCENTAGE: RATE may increase during the term of this transaction if the Prime Rate published in the "Niotley Rates" section of"Ilse Nall Street Journal on the first business day of each month increases. The into rate may change monthly. Any increase will take the form of it higher monthly payment. The ANNUAL PERCENTAGE RATE also may increase if the Margin is increased because of an increase in the Margin Adjustment Index which is the "Charge-Off Rates for Credit Cards'" as published in the Federal Reserve Statistical Release-Charge OR'and Delinquency Rates on Loans and Leases at Commercial Banks-All Banks, NSA, over the Base Index of 5.9 °'w The Margin will not be increased sooner than two years after the date of the loan, and thereafter may increase upon 30 days notice. The Margin will nev'erbeincreased ton-torethan dieinitial margin plus 5% Any increase in the interest rate becauseofaninaeascin the klarginwilltaketheform ofahigher monthly payment. For example, if your loanwere for 510,000 at 100-e and contained a feature under which the monthly payments due dutingthe "In School Period" were designed to pay interest to the date of each payment and the interest rate increased to 121!6 the neat month, your monthly "interest-only" payment would increase from $83.33 to $100.00. If "our loan were for S IQ(H)0 at l(Pe fully amortized over 20•year term and the rate increasedto 12% thenexl month, your nxmthly payment would increase from 596.51 to S 111).1 I. Prrpsyment: If you pay off early you will not have to pay a penalty. You will not be entitled to a refund of the Prepaid Finance Charges. Late Charge: if a payment is more than 15 days late you will he charged 55.00 or 5.000e of the payment anoint, whichever is more, but in no event more than the amount allowed by law. See your Prmmim"yNote fxadditirxwlinfotmationaboutnon ymentdefaultanyrequired ayavotinfull beforethescheduled date and prepaynient refunds and penalties. (PAGE I OF 2) F- F45641 v.) .02 EduCap Inc., disbursement agent for Bank of America, N.A. P.O. Box 651 118 Sterling, Virginia 20165-11 18 8 1 z MILDRED KERC HER 206 WEST PINE STREET NT HOLLY SPRINGS PA 17065 TRUTH IN LENDING DISCLOSURE STATEMENT ITEMIZATION OF AMOUNT FINANCED AND LOAN TERMS LENDER: Bank of Americo REFERENCE a: 010493702 DATF.:1 2 BORROWER (S): ADDRESS: SSN DICK KIRCHNER 206 WEST PINE STREET,MT HOLLY SPRIW.S,PA 17065 *****0205 MILDRED KERCHNER 1 206 WEST PINE STREET,MT HOLLY SPRINCS,PA 17065 T **'**5606 LOAN AMOLNT: $11.000.00 INITIAL MARGIN: 0.5% INDEX RATE: 8.25% INITIAL INTEREST RATE: 8.75% ORIGINATION FEE 3.5% CURRENT. 6IAR61N ADJUSTMENT INDEX: 5.9% FINAL PAYMENT DUE. 12/18/2026 ANNUAL FINANCE Amount Financed Total of Pavmenla PERCENTAGE RATE CHARGE The amount ofcredit provided to you or The amount you will have paid after The cost of your credit as yearly rate The dollar amount the credit will cost on your behalf: making all scheduled payments, which which nay van': row. winch may vary: may vary: 9.22% $1 5 $11,000.00 $24,596.50 Your payment schedule will be: "e•" means estimate Number of Payments Amount of Payments When Payments are Due 22 $83.02 a Monthly Beginning 0111812007 e 218 $104.45 a Monthly Beginning 11/18/2008 e e e e e e e e e e e e e e e Variable Rate: 'fit ANNUAL PERCENTAGE, RATE may increase during the term of this transaction if the Pointe Rate published in the "Mown' Rates' section of The Wall Street Journal on the first business day of each month increases. The interest rate may change monthly Any increase will take the form of a higher monthly payment . Ilse ANNUAL PERCENTAGE RATE also may increase if the Margin is increased because of an increase in the Margin Adjustment Index. which is the "Charge-0ff Rates ' for Credit Cards as published in the Federal Rexerve Statistical Release-Charge Offand Delinquency Rates on roans and Leases at Commercial Banks-.All Banks NSA , , over the Base Index of 5.9 %, The Margin will not be increased sooner than two years after the date of the loan. and thereafter may incream upon 30 days notice . The Margin will never be increased to more than the initial margin plus 51%. Any increase in The interest rte because of an increase in the Margin will take the form of a higher monthly payment. For example, ifyourloanwerefor$10,000al 10%andcontaineda feature underycbichthemonthly paymentsdueduring theAn-School Period' were designed to pay interest to time (L to of each payment and the interest rate increased to 12"'o the next month, your monthly "mtcrestonly" pa}u=t would tmrease frown $83.33 to SIOD,OD. If .our loan were for $10,000 at lVi tirtly amortized over 20-year term and the rate increased to 12:•o the next month, your monthly payment would increase from $96.51 to S 110. l 1. Prepayment: If you pay off early you will not have to pay a penalty. You will not be entitled to a refund of the Prepaid Finance Charges. Lute Charge: If., payment is more than 15 clays late you will be charged $5.00 or 5.00%ofthe payment anounL wfii -hexer is more. but in no event more than the amount allowed by la. See your PronwAuyNote foradditional information about non mentdefaultany required payment infull before diescheduled date and re avmentrefundsanJ mlties. (PAGE I OF 2) 1- W541 10.02 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy 2 j Richard W Stewart Solicitor _ EDUCAP, Inc vs. Dick Albert Kirchner (et al.) Case Number 2012-2913 SHERIFF'S RETURN OF SERVICE 05/11/2012 04:18 PM - Noah Cline, Deputy Sheriff, who being duly sworn according to law, states that on May 11, 2012 at 1618 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Dick Albert Kirchner, by making known unto Mildred Kerchner, Wife of Defendant at 206 W. Pine Street, Mount Holly Springs, Cumberland County, Pennsylvania 17065 its contents and at the same time handing to her personally the said true and correct copy of the same. NOAH CLINE, DEPUTY 05/11/2012 04:18 PM - Noah Cline, Deputy Sheriff, who being duly sworn according to law, states that on May 11, 2012 at 1618 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Mildred Kerchner, by making known unto herself personally, at 206 W. Pine Street, Mount Holly Springs, Cumberland County, Pennsylvania 17065 its contents and at the same time handing to her personally the said true and correct copy of the same. ."y NOAH CLINE, DEPUTY SHERIFF COST: $51.00 May 17, 2012 SO ANSWERS, RONN R ANDERSON, SHERIFF (c) CountySuit Sher'ff , Teleosoft, inc. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA EDUCAP INC., ) CIVIL DIVISION, ARBITRATION AND STATUTORY APPEALS ONLY Plaintiff, ) NO.: 12-2913 Civil ISSUE NO. VS. ) TYPE OF PLEADING: PRAECIPE FOR DEFAULT JUDGMENT DICK KIRCHNER and ) MILDRED KERCHNER, ) CODE: Defendants. ) FILED ON BEHALF OF: Plaintiff, I hereby certify that the true ) EDUCAP INC. and correct address of the ) Plaintiff is: ) COUNSEL OF RECORD FOR THIS 21680 Ridgetop Circle ) PARTY: Sterling VA 20166 ) Reed J. Davis and the last known address of the j Pa. I.D. #00501 Defendants is: ) Reed James Davis 206 West Pine Street ) Pa. I.D. #64343 Mount Holly rings PA 17065 ) DAVIS DAVIS ATTORNEYS a professional corporation 393 Vanadium Road, Suite300 Attorney for 'Plaintiff ) Pittsburgh, PA 15243 412-489-1400 IIto. 50 PO 1477,! 114\ED000124\12061201.JUD lad C # 144 33 er- alto 7y7 I Fcee, Wiled IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA EDUCAP INC., Plaintiff, CIVIL DIVISION, ARBITRATION AND STATUTORY APPEALS ONLY vs. DICK KIRCHNER and MILDRED KERCHNER, Defendants. NO.: 12-2913 Civil TO:PROTHONOTARY SIR: Please enter judgment by default against the above-named defendants, DICK KIRCHNER and MILDRED KERCHNER, for failure to plead. Principal claimed in Complaint $11,289.19 with interest at the rate of 3.25% per annum from September 19, 2011 through June 13, 2012 $ 453.04 TOTAL $11,742.23 with continuing interest on the judgment amount of $11,742.23 at the rate of 6.00% per annum from June 13, 2012, plus costs. DAVIS DAVIS ATTORNEYS a pro ss 1 corporation BY: Reed James Davis Attorney for Plaintiff AFFIDAVIT OF NON-MILITARY SERVICE AND CERTIFICATION OF MAILING OF NOTICE OF INTENT TO TAKE DEFAULT JUDGMENT COMMONWEALTH OF PENNSYLVANIA SS COUNTY OF ALLEGHENY Before me, the undersigned authority, a Notary Public in and for said County and State, personally appeared Reed James Davis, Attorney for and authorized representative of Plaintiff who, being duly sworn according to law, deposes and says that the defendant is not in the military service of the United States of America to the best of his knowledge, information and belief and certifies that the Notice of Intent to take Default Judgment was mailed in accordance with Pa.R.C.P. 237.1, as evidenced by the attached copy. 1 Reed James Davis coftftwipiRr 1 )f S EMNSYLVANM NOWN Lindsey D AeM Notary Kkk Scott TWP., Arepf?v County M My Member la ?ahon?of Notaries Sworn to and subscribed before me IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA EDUCAP INC., vs. Plaintiff, DICK KIRCHNER and MILDRED KERCHNER, Defendants. TO: MILDRED KERCHNER 206 West Pine Street Mount Holly Springs PA 17065 CIVIL DIVISION, ARBITRATION AND STATUTORY APPEALS ONLY NO. 12-2913 Civil DATE OF NOTICE: June 1, 2012 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY AN ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. 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. LAWYER REFERRAL SERVICE Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 Telephone: 717/249-3166 DAVIS DAVIS ATTORNEYS a prof [co oration BY: j Reed James vis Attorney for Plaintiff 393 Vanadium Road, Suite 300 Pittsburgh, PA 15243 1 14\ED000124\12060101.1ODs lad (412) 489-1400 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA EDUCAP INC., CIVIL DIVISION, ARBITRATION AND STATUTORY APPEALS ONLY Plaintiff, vs. NO. 12-2913 Civil DICK KIRCHNER and MILDRED KERCHNER, Defendants TO: DICK KIRCHNER 206 West Pine Street Mount Holly Springs PA 17065 DATE OF NOTICE: June 1, 2012 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY AN ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. 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. LAWYER REFERRAL SERVICE Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 Telephone: 717/249-3166 DAVIS DAVIS ATTORNEYS a professional orporation BY: Reed James avis Attorney for Plaintiff 393 Vanadium Road, Suite 300 Pittsburgh, PA 15243 114\ED000124\12060101.1ODs lad (412) 489-1400 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLV EDUCAP INC., CIVIL DIVISION, ARBITRATION AND STATUTORY APPEALS ONLY Plaintiff, VS. DICK KIRCHNER and MILDRED KERCHNER, Defendants No: 12-2913 Civil TYPE OF PLEADING: Plaintiff's Motion to Compel Answers to Interrogatories FILED ON BEHALF OF: Plaintiff, EDUCAP INC. COUNSEL OF RECORD FOR THIS PARTY: Reed J. Davis, Esquire M; Pa. I.D. #00501 Reed James Davis ' r ? Pa. I.D. #64343 c ?j DAVIS DAVIS ATTORNEIVS r ? , a professional corporation CZ) 393 Vanadium Road, Suite 300 Pittsburgh, PA 15243 412-489-1400 ED000124 4 r-- "y ter.., 114\ED000124\ 12080601.MotCompel lad IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA EDUCAP INC., Plaintiff, VS. DICK KIRCHNER and MILDRED KERCHNER, Defendants. CIVIL DIVISION, ARBITRATION AND STATUTORY APPEALS ONLY NO: 12-2913 Civil CERTIFICATE OF CONCURRENCE Concurrence in this matter was not sought as there is no opposing counsel. Defendants hay e not answered the Interrogatories in Aid of Execution, which were sent to them on June 25, 2012. A Judge of the Court of Common Pleas of Cumberland has not ruled on any matter related ?o this case. DAVIS DAVIS ATTORNEYS a profess' a orporation By: Reed Jam Davis, Esquire Attorney for Plaintiff 393 Vanadium Road, Suite 300 Pittsburgh, PA 15243 (412) 489-1400 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA EDUCAP INC., Plaintiff, VS. DICK KIRCHNER and MILDRED KERCHNER, Defendants. CIVIL DIVISION, ARBITRATION AND STATUTORY APPEALS ONLY NO: 12-2913 Civil PLAINTIFF'S MOTION TO COMPEL ANSWERS TO INTERROGATORIES AND NOW, comes the Plaintiff, by and through their attorneys, Davis Davis Attorneys, a professional corporation, and Reed James Davis and moves this Honorable Court to enter an order compelling Defendants to provide full and complete answers to interrogatories and in support as follows: Judgment was filed against the Defendants on June 14, 2012. f avers 2. Subsequently, Plaintiff's First Set of Interrogatories in Aid of Execution was maile4 to Defendants on or about June 25, 2012. 3. More than 40 days have passed and Defendant has not answered Plaintiff's WHEREFORE, Plaintiff moves that an Order be entered in the form attached. DAVIS DAVIS ATTORNEYS a professio rporation By: Ree James Davis, Esquire Pa. I.D. #64343 Attorney for Plaintiff 393 Vanadium Road, Suite 300 Pittsburgh, PA 15243 (412) 489-1400 CERTIFICATE OF SERVICE The undersigned hereby certifies that a true and correct copy of the within Plaintiff's Motion to Answers to Interrogatories was served by United States mail, postage pre-paid, this day of 2012, to: DICK KIRCHNER 206 West Pine Street Mount Holly Springs PA 17065 MILDRED KERCHNER 206 West Pine Street Mount Holly Springs PA 17065 r L Reed James avis, Esquire Pa. ID # 64343 393 Vanadium Road, Suite 300 Pittsburgh, PA 15243 (412) 489-1400 Attorney for Plaintiff 7rft? ~JG 16 P~ ! ~ ~ 9 L4f- u~~~RI.A~a coul~~Y ~ENHSYLVAMIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLV. EDUCAP INC., ) CIVIL DIVISION, ARBITRATION AND STATUTORY APPEALS ONLY Plaintiff, ) No: 12-2913 Civil vs. ) TYPE OF PLEADING: Plaintiff's Motion to Compel Answers to DICK KIlZCHNER and ) Interrogatories MILDRED KERCHNER, ) FILED ON BEHALF OF: Plaintiff, Defendants. ) EDUCAP INC. COUNSEL OF RECORD FOR THIS PARTY: Reed J. Davis, Esquire Pa. LD. #00501 1 Reed Jar.-~es Davis Pa. LD. #64343 DAVIS DAVIS ATTORNEYS a professional corporation 393 Vanadium Road, Suite 300 Pittsburgh, PA 15243 412-489-1400 ED000124 ll 4~ED000124\ 1208060 LMotCompel lad IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA EDUCAP INC., Plaintiff, vs. DICK KIRCHNER and MILDRED KERCHNER, Defendants CIVIL DIVISION, ARBITRATION AND STATUTORY APPEALS ONLY NO: 12-2913 Civil CERTIFICATE OF CONCURRENCE Concurrence in this matter was not sought as there is no opposing counsel. Defendants hake not answered the Interrogatories in Aid of Execution, which were sent to them on June 14, 2012. A Judge of the Court of Common Pleas of Cumberland has not ruled on any matter related ~o this case. DAMS DAMS ATTORNEYS a professio orporation By' -- Reed James Davis, Esquire Attorney for Plaintiff 393 Vanadium Road, Suite 300 Pittsburgh, PA 15243 (412) 489-1400 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA EDUCAP INC., Plaintiff, vs. DICK KIRCHNER and MILDRED KERCHNER, Defendants CIVIL DNISION, ARBITRATION AND STATUTORY APPEALS ONLY NO: 12-2913 Civil PLAINTIFF'S MOTION TO COMPEL ANSWERS TO INTERROGATORIES AND NOW, comes the Plaintiff, by and through their attorneys, Davis Davis Attorneys, a professional corporation, and Reed James Davis and moves this Honorable Court to enter an order compelling Defendants to provide full and complete answers to interrogatories and in support as follows: Judgment was filed against the Defendants on June 14, 2012. f avers 2. Subsequently, Plaintiff's First Set of Interrogatories in Aid of Execution was mailed to Defendants on or about June 25, 2012. More than 40 days have passed and Defendant has not answered Plaintiff's WHEREFORE, Plaintiff moves that an Order be entered in the form attached. DAMS DAMS ATTORNEYS a professional corporation By: Reed James avis, Esquire Pa. I.D. #64343 Attorney for Plaintiff 393 Vanadium Road, Suite 300 Pittsburgh, PA 15243 (412) 489-1400 CERTIFICATE OF SERVICE The undersigned hereby certifies that a true and correct copy of the within Plaintiff s Motion to Co pel Answers to Interrogatories was served by United States mail, postage pre-paid, this 6~' day of August, 2 12, i to: DICK KIRCHNER 206 West Pine Street Mount Holly Springs PA 17065 MILDRED KERCHNER 206 West Pine Street Mount Holly Springs PA 17065 Reed James avis, Esquire Pa. ID # 64343 393 Vanadium Road, Suite 300 Pittsburgh, PA 15243 (412) 489-1400 Attorney for Plaintiff EDUCAP, INC., Plaintiff V. DICK KIRCHNER and MILDRP,D KERCHNER, Defendants IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW NO. 12-2913 CIVIL TERM IN RE: PLAINTIFF'S MOTION TO COMPEL ANSWERS TO INTERROGATORIES ORDER OF COURT AND NOW, this 23rd day of August, 2012, upon consideration of Plaintiff's Motion To Compel Answers to Interrogatories, a Rule is hereby issued upon Defendants to show cause why the relief requested should not be granted. RULE RETURNABLE within 30 days of service. BY THE COURT, Reed James Davis, Esq. 393 Vanadium Road Suite 300 Pittsburgh, PA 15243 Attorney for Plaintiff Dick Kirchner Mildred Kerchner 206 West Pine Street Mount Holly Springs, PA 17065 Defendants, pro Se Christylee . Peck, J. N :rcP{t,s,j?? ???? • ~ 12 Al1G 2 9 PP9 I~ 5 3 ~`.EJ~~ERIRf~D COUNTY ~Et~N5YLYANIA IN THE COURT OF COMMON PLEAS O: EDUCAP INC., ; Plaintiff, vs. DICK KIRCHNER and MILDRED KERCHNER, Defendants. CUMBERLAND COUNTY, PENNSYLVA CIVIL DIVISION, ARBITRATION AND STATUTORY APPEALS ONLY NO. 12-2913 Civil ISSUE NO. TYPE OF PLEADING: AFFIDAVIT OF SERVICE CODE: FILED ON BEHALF OF: Plaintiff, EDUCAP INC. COUNSEL OF RECORD FOR THIS PARTY: Reed J. Davis Pa. I.D. #00501 Reed James Davis Pa. I.D. #64343 DAMS DAMS ATTORNEYS a professional corporation 393 Vanadium Road, Suite 300 Pittsburgh, PA 15243 412-489-1400 114\ED000124\12082701.AffSvc lad AFFIDAVIT OF SERVICE COMMONWEALTH OF PENNSYLVANIA } } SS: ', COUNTY OF ALLEGHENY } BEFORE ME, the undersigned authority, a notary public in and for said county and state, personally appeared Reed James Davis who, being duly sworn according to law, deposes and s ys that he mailed a true and correct copy of the Order of Court dated August 23, 2012, in the above- captioned case, by regular U.S. Mail on August 27, 2012, to the following: DICK KIRCHNER 206 West Pine Street Mount Holly Springs PA 17065 MILDRED KERCHNER 206 West Pine Street Mount Holly Springs PA 17065 ReedUames Davis Sworn to and~sublscribed before me this 2 ~ d o u st, 2012 Notary ub is C01~7MONWEAL, TM Qf_ NSYLVAPIIA Y ~y 14, 2014 Marieer. PemsvNaMa gsyoamoe ar Notaries r ~ _ ~ £ _ l t ~+ I, r„ ~.` ° s ~~ ~ try ,; ~ ~ ~ 1.i #r i . IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA EDUCAP INC., CIVIL DNISION, ARBITRATION AND STATUTORY APPEALS ONLY Plaintiff, vs. NO.: 12-2913 Civil ISSUE NO. TYPE OF PLEADING: AMENDED PRAECIPE FOR WRIT OF EXECUTION DICK KIRCHNER and MILDRED KERCHNER, Defendants FILED ON BEHALF OF: Plaintiff, EDUCAP INC. MEMBERS 15T FEDERAL CREDIT UNION, Garnishee COUNSEL OF RECORD FOR THIS PARTY: Reed J. Davis Pa. I.D. #00501 Reed James Davis PA. I.D. #64343 DAMS DAMS ATTORNEYS a professional corporation P.O. Box 13309 Pittsburgh, PA 15243 412-489-1400 114\ED000124\12112001.AmendEXE lad IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA EDUCAP INC., CIVIL DIVISION, ARBITRATION AND STATUTORY APPEALS ONLY Plaintiff, vs. NO.: 12-2913 Civil DICK KIRCHNER and MILDRED KERCHNER, Defendants, MEMBERS 1ST FEDERAL CREDIT UNION, Garnishee. AMENDED PRAECIPE FOR WRIT OF EXECUTION TO: PROTHONOTARY Please issue a Writ of Execution and direct it to the Sheriff of Cumberland County, against all the personal property of the Defendants, DICK KIRCHNER and MILDRED KERCHNER, and the Garnishee, MEMBERS 1sT FEDERAL CREDIT UNION, regarding the above-captioned case. Amount Due $11,742.23 Interest from June 14, 2012 - November 12, 2012 $ 291.46 SUBTOTAL $12,033.69 [Costs to be added] $ TOTAL $ DAMS DAMS ATTORNEYS a pro ssional corporation BY: Reed James Davis Attorneys for Plaintiff WRIT OF EXECUTION NOTICE THIS PAPER IS A WRIT OF EXECUTION. IT HAS BEEN ISSUED BECAUSE THERE IS A JUDGMENT AGAINST YOU. IT MAY CAUSE YOUR PROPERTY TO BE HELD OR TAKEN TO PAY THE JUDGMENT. YOU MAY HAVE LEGAL RIGHTS TO PREVENT YOUR PROPERTY FROM BEING TAKEN. A LAWYER CAN ADVISE YOU MORE SPECIFICALLY OF THESE RIGHTS. IF YOU WISH TO EXERCISE YOUR RIGHTS, YOU MUST ACT PROMPTLY. THE LAW PROVIDES THAT CERTAIN PROPERTY CANNOT BE TAKEN. SUCH PROPERTY IS SAID TO BE EXEMPT. THERE IS A DEBTOR'S EXEMPTION OF $300. THERE ARE OTHER EXEMPTIONS WHICH MAY BE APPLICABLE TO YOU. ATTACHED IS A SUMMARY OF SOME OF THE MAJOR EXEMPTIONS. YOU MAY HAVE OTHER EXEMPTIONS OR OTHER RIGHTS. IF YOU HAVE AN EXEMPTION, YOU SHOULD DO THE FOLLOWING PROMPTLY: (1) FILL OUT THE ATTACHED CLAIM FORM AND DEMAND FOR A PROMPT HEARING. (2) DELVER THE FORM OR MAIL IT TO THE SHERIFF'S OFFICE AT THE ADDRESS NOTED. YOU SHOULD COME TO COURT READY TO EXPLAIN YOUR EXEMPTION. IF YOU DO NOT COME TO COURT AND PROVE YOUR EXEMPTION, YOU MAY LOSE SOME OF YOUR PROPERTY. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 TELEPHONE: 717/249-3166 12-2913 Civil THIS CLAIM TO BE FILED WITH THE OFFICE OF THE SHERIFF OF CUMBERLAND COUNTY One Courthouse Square Carilisle. PA 17013 NOTE: Under paragraphs (1) and (2) of the Writ, a description of specific property to be levied upon or attached maybe set forth in the writ or included in a separate direction to the sheriff. Under paragraph (2) of the writ, if attachment of a named garnishee is desired, his name should be set forth in the space provided. Under paragraph (3) of the writ, the sheriff may, as under prior practice, add as a garnishee any person not named in this writ who maybe found in possession of property of the defendant. See Rule 3111(a). For limitations on the power to attach tangible personal property, see Rule 3108(a). (b) EACH COURT SHALL, BY LOCAL RULE, DESIGNATE THE OFFICER, ORGANIZATION OR PERSON TO BE NAMED IN THE NOTICE. MAJOR EXEMPTIONS UNDER PENNSYLVANIA AND FEDERAL LAW: 1. $300 statutory exemption 2. Bibles, school books, sewing machines, uniforms and equipment 3. Most wages and unemployment compensation 4. Social Security benefits 5. Certain retirement funds and accounts 6. Certain veteran and armed forces benefits 7. Certain insurance proceeds 8. Such other exemptions as may be provided by law 12-2913 Civil CLAIM FOR EXEMPTION TO THE SHERIFF: I, the above-named defendant, claim exemption of property from levy or attachment; (1) From my personal property in my possession which has been levied upon, (a) I desire that my $300 statutory exemption be: O (i) set aside in kind (specify property to be set aside in kind): O (ii) paid in cash following the sale of the property levied upon; or (b) I claim the following exemption (specify property and basis of exemption): (2) From my property which is in the possession of a third party, I claim the following exemptions: (a) My $300 statutory exemption: () in cash O in kind (specify property) (b) Social Security benefits on deposit in the amount of $ ; (c) other (specify amount and basis of exemption): I request a prompt court hearing to determine the exemption. Notice of hearing should be given to me at (Address) (Telephone Number) I verify that the statements made in this Claim for Exemption are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities. (Date) (Defendant) ,, , WRIT OF EXEC UTICINand/o:r ATTACHMENT COMMONWEALTH OF PENNSYLVANIA', NO 12-2913 Civil COUNTY OF CUMBERLAND) CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND GOiJi'JT'>': To satisfy the debt, interest and costs duf: EI)UCAP, IN(~. Plaintiff (s) From DICK KIRCHNER AND MILDRED KERCHNE',R, 206 WEST PINE STREET, MT. HOLLY SPRINGS, PA 17065 r~ ~L '~~T`~ ©F You are directed to levy upon the property of the defendant (s)and to sell '~t l.L C~-~' ~ F'~ N~ ~~S (I) You are also directed to attach the properly of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: MEMBERS 1sT FEDERAL CREDIT UNION, 1166 WALNUT BOTTOM ROAD, CARLISLE, PA 17013 and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (2) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $11,742.23 L.L. $.50 Interest FROM JUNE 14, 2012- NOVEMBER 12, 2012 - $291.46 Atty's Comm % Due Prothy $2.25 Atty Paid $202.75 Other Costs Plaintiff Paid /-~ Date: 11/16/12 1 /n . ~ id D. well, Prothonotary (Seal) By: Deputy REQUESTII~iG PARTY: Name :REED JAMES DAMS, ESQUIRE Address: DAVID DAMS ATTORNEYS P.O. BOX 13309 PITTSBURGH, PA 15243 Attorney for: PLAINTIFF Telephone: 412-489-1400 Supreme Court ID No, 64343 SHERIFF'S OFFICE OF CUMBERLAND COUNTY `: J R^.? - Ronny R Anderson ~" `"'~ Sheriff '~ -~ '"'' ~--~ f-r1 ~ at~ktit~ of C,rrr~irr~t~~ ~ ' ~ o ~.fy Jody S Smith d ~ -~ r", Chief Deputy ~ ~ ~ ~ ca Richard W Stewart ~;'";; - Solicitor ~-"' c ; .. ~ ~= `~ ; ~ L ~ ~~ - 5,:, ._~ ~ «_.~ (~+~ EDUCAP, Inc. vs. Case Number Dick Albert Kirchner (et al.) 2012-2913 SHERIFF'S RETURN OF SERVICE 11/28/2012 02:37 PM -Ryan Burgett, Deputy Sheriff, who being duly sworn according to law, states that on November 28, 2012 at 1437 hours, attached as herein commanded all goods, chattels, rights, debts, credits, and monies of the within named defendants, to wit: Dick Kirchner and Mildred Kerchner, in the hands, possession, or control of the within named garnishee, Members 1st Federal Credit Union, 1166 Walnut Bottom Road, Carlisle, Cumberland County, Pennsylvania, by handing to Brian Peters, Branch Manager, personally three copies of interrogatories together with three true and attested copies of the writ of execution and made the contents there of known to him. ~~i .~~ RYAN BURGETT, DEPU November 29, 2012 SO ANSWERS, ~~ RON R ANDERSON, SHERIFF ~. - ~ -~ 2~s2gEC-3 ~€~'ll: ~g c~tr~~~~~~~~ couHrY ~='L~dt~1SYLV~,N1~ RECEIVED NOV~92012 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA EDUCAP INC., CNIL DNISION, ARBITRATION AND STATUTORY APPEALS ONLY Plaintiff, vs. NO.: 12-2913 Civil ~~,erS ~ TYPE OF PLEADING: Interrogatories in Attachment GARNISHEE DICK KIRCHNER and MILDRED KERCHNER, Defendants, FILED ON BEHALF OF: Plaintiff, EDUCAP INC. MEMBERS 1sT FEDERAL CREDIT UNION, Garnishee. DAVIS DAVIS ATTORNEYS a professional corporation Attorney for Plaintiff COUNSEL OF RECORD FOR THIS PARTY: Reed J. Davis Pa. I.D. #00501 Reed James Davis Pa I.D. #64343 DAMS DAMS ATTORNEYS a professional corporation Firm #063 P.O. Box 13309 Pittsburgh, PA 15243 (412) 489-1400 114\ED000124\12111201.EXE lad ~tECEiVE® NOV ~ 9 201 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA EDUCAP INC., Plaintiff, vs. DICK KIRCHNER and MILDRED KERCHNER, Defendants, MEMBERS 1sT FEDERAL CREDIT UNION, Garnishee. CIVIL DIVISION, ARBITRATION AND STATUTORY APPEALS ONLY NO.: 12-2913 Civil TO: MEMBERS 1sT FEDERAL CREDIT UNION 1166 WALNUT BOTTOM ROAD CARLISLE PA 17013 You are required to file answers to the following interrogatories within twenty (20) days after service upon you. Failure to do so may result in a judgment against you: INTERROGATORIES TO GARNISHEE 1. At the time you were served or at any subsequent time, did you owe the Defendant, MILDRED KIRCHNER, Social SecurityNumber: xxx-xx-5606 of 206 West Pine Street, Mount Holly Springs PA 17065, any money or were you liable to the Defendant on any negotiable or other written instrument, or did the Defendant claim that you owed the Defendant any money or were liable to the Defendant for any reason? ANSWER: iV ~ 2. At the time you were served or at any subsequent time was there in your possession, custody or control or in the j oint possession, custody or control of yourself and one or more other persons any property of any nature owned solely or in part by the Defendant? ANSWER: ~ D ~ECEIVEp Nov 2 y 2Q12 3. At the time you were served or at any subsequent time did you hold legal title to any property of any nature owned solely or in part by the Defendant or in which Defendant held or claimed any interest? ANSWER: 4. At the time you were served or at any subsequent time did you hold as fiduciary anyproperty in which the Defendant had an interest? ANSWER: ~ (~ 5. At any time before or after you were served did the Defendant transfer or deliver any property to you or to any person or place pursuant to your direction or consent and if so what was the consideration therefor? ANSWER: 6. At the tune after you were served did you pay, transfer or deliver any money or property to the Defendant or to anyperson or place pursuant to the Defendant's direction or otherwise discharge any claim of the Defendant against you? ANSWER: ~ (~ RECEIVEd NO V ~ 9 2012 7. If you are a bank or other financial institution, at the time you were served or any subsequent time did the Defendant have funds on deposit in an account in which funds are deposited electronically on a recurring basis and which are identified as being funds that upon deposit are exempt form execution, levy or attachment under Pennsylvania or federal law? If so, identify each account and state the reason for the exemption, the amount being withheld under each exemption and the entity electronically depositing those funds on a recurring basis. ANSWER: 8. If you are a bank or other financial institution, at the time you were served or at any subsequent time did the Defendant have funds on deposit in an account in which the funds on deposit, not including any otherwise exempt funds, did not exceed the amount ofthe general monetary exemption under 42 Pa.C. S. § 8123? If so, identify each account. ANSWER: ~ ~ (-~ C c O~! n~ ~ n ~ der r~~,~~ 9. If you are a bank or other financial institution, at the time you were served or at any subsequent time, did the Defendant, either individually or j ointly with any other party, maintained a checking, savings, commercial, or other type of account at your institution as owner, agent, maker, as power of attorney or in any other capacity? ANSWER: ~-e~ ~~~s~~~ ~0~~9X412 10. If the answer to Interrogatory 9 is "yes", state for each account: (a) Names in which such was maintained; (b) Names and address of all persons or entities known to you to have an interest therein; (c) Names and addresses of all persons or entities authorized to draw thereon; (d) Account number; (e) Location of office where account maintained; (f) Date opened; (g) Dollar amount therein on date of service; and (h) Date and amount of each deposit or withdrawal therefrom after the date of service. ANSWER: A~+ y 5~ c~3 5 ~~.+'i~s~`13 ~~ ~reaAcc o~~ ~LL.C M; k~R.~ Ac~U"11.1~.- flrt~~ rd red ~,e ! c ~^~e ~ gj~~ clc. ~.~ ~<~n,n~,~ C~s~,~) aGi a_ b Q~~ s/i'i ~~~ ~ p~res~ o.. ~~~ ~« ~.n.r-S - ~ o ~ ~ P.~z S~ , nn ~-. ~tar~.~SQ~ ,~~ S P~ ~-~o lps~ ~ee. a~~~ ~ Mt3 -~~ (~ o I lcu. cv~Ov~~-g, 11. At the time you were served or at any subsequent time, did you have in your possession, custody or control (as fiduciary, trustee or otherwise) anyproperty, tangible or intangible, in which any Defendant had any interest whatsoever, including, but not limited to, trust accounts, certificates of deposit, pledges, promissory notes, etc.? ANSWER: 12. If the answer to Interrogatory Third is "yes", state: '~F~E/VE~ N~~292012 (a) Brief description thereof; (b) Location thereof; (c) Date that you received same. (d) Dollar amount or value thereof; (e) Terms upon which the property is being held; and (f) Names and addresses of all persons, entities, or companies having an interest therein. ANSWER: ~ I 13. At the time you were served or at any subsequent time, did you have a security interest in any property in which any Defendant had an interest either individually or jointlywith any other party or were you holding any document of title or other collateral of any land as security for any loan or time purchase transaction in which your institution was a party? N ~ ANSWER: ~ECEII/EC NOV29201Z 14. If the answer to Interrogatory 13 is "yes", state for each loan: (a) Names and addresses of parties thereto; (b) Original loan amount and present balance owed; (c) Amount of monthly payments and whether current; and (d) With regard to the collateral for such loan, the names and addresses of the owners thereof, a brief description thereof, and the dollar amount or value thereof. ANSWER: N ( ~ 15. If the answer to Interrogatory 14 includes any motor vehicles, are you listed as an encumbrance holder on the certificate of title, and do you physically possess such certificate? ANSWER: ~ i ~- AECEjVE~ "0Vz9zo1z 16. If the answer to Interrogatory 15 is "yes", for each such motor vehicle, state the year, make and type, title number, vehicle identification number and the net balance due on the vehicle, monthly payment amount and nu,,mlber of payments remaining. ANSWER: 9V ~ 1'~ (a) Year: (b) Make and type: (c) Title number: (d) Vehicle Identification number: (e) Net balance: (f) Monthly payment amount: (g) Number of payments remaining: 17. At the time you were served or at any subsequent time, did a1ry Defendant maintain any safe deposit box with your institution, either as owner, agent, trustee or in any other capacity, whether in the Defendant's own name or under any other name? ANSWER: ~ ~ 18. If the answer to Interrogatory 17 is "yes," state: ~ECEIVEC ~~U292012 (a) Name and address of each person or other entity to whom the safe deposit box is rented; (b) Name of office where box is located and the number of such box; (c) Name and address of each person or other entity having access to the box; (d) Date such box was originally rented; and (e) Whether access was made to such box subsequent to the time you were served with these Interrogatories. ANSWER: ~~ ANSWERS SUBMITTED BY: MEMBERS 1sT FEDERAL CREDIT UrlION INTERROGATORIES SUBMITTED BY: DAMS DAMS ATTORNEYS a pro sio corporation Reed Jams Davis Attorney for the Plaintiff P.O. Box 13309 Pittsburgh, PA 15243 (412) 489-1400 St MEMBERS 1St FEDERALCRED[T UNION Send Inquires to: 5000 Louise Drive PO Box 40 Mechanicsburg, PA 17055 www.membentlst.org Main Switchboard: (717) 697-1161 or (B00) 283-2328 EZ Call: (717) 697-4372 or (800) 283.4372 TDD: (717) 697-5312 or (800) 283-2328 ext. 5312 TeleBranch: (717) 795-6049 or (800) 237-7288 HELLESMEER GEMEINSCHAFT LLC 206 W PINE STREET MY HOLLY SPRINGS PA 17065 Statement of Accounts 3 May 17, 2012 thru May 31, 2012 Account Number: 462141 Account Balances at a Glance: Checking: o.oo Savings: 10.00 Certificates: o . 00 Loans: o.oo Money Management: o.oo Page: 1 of 3 Your account falls within the Smaii Volume Business tier. CHECKING ACCQUW3S OW7 - BUSINESS CHECKING Date Tra~ion Description Additions Subtractions Balance May 17 Etnce Forward 0.00 May 17 Deposit by Check 1,200.00 1,200.00 May 23 Withdrawal Members 1st Online Transfer To Share 00 10.00- 1,190.00 May 23 .Withdrawal Members 4st Online Transfer 1,4.90.00- 0.Oa. To HELLESMEER GEMEI XXXXXXXXXX Share 0007 May 31 EndMg; $a~nce 0.00 Wn'HDRAWALS AND OTHER CHARLES bate Amount Descripbon Dote Amount Deacrit>'tiar- May 23 10.00 Withdrawal Members 1st Online Tra May 23 1,190.00 Withdrawal Members 1st Online Tra 2 Wlflydr~rwals a-td Other Charges for 1,200. DEPOSITS AND OTHER CREb17S Date Arttoun! Del6crlption Date Amount Description May 17 1,200.00 Qeposk by Check SAViNC3S ACCaUNTS 0000 - BU$INfSS SA1/iNGS liiq~ttce Forwarr! 0.00 23 Deposit Members 1stOnline Transfer From Share 000 10.0© 10.00 31 Ending Balance 10.00 - - - Continued on following page - - - gt Send Inquires to: Main Switchboard: (717) 697-1161 or (800) 283-2328 5000 Louise Drive ~~ EZ Call: (717 697-4372 or 800) 283-4372 Po Boz 40 > ( May 17, 2012 thru May 31, 2012 . TDD: (717) 697-5312 or (800) 283-2328 ext. 5312 Mechanicsburg, PA 17055 Account Number: 462141 M~EhSBF~.rtItS t~ TeleBranch: (717) 795-6049 or (600) 237-7288 www.memberslst.org Page: 2 Of 3 0005 - BUSINESS MONEY MGMT SAVINGS Date Transaction Description Additions Subtractions Balance May 17 Balance forward ~ 0.00 May 3f Ending Balance 0,00 YTD SUAAAAARIES TOTAL DIVIDENDS PAID 0000 BUSINESS SAVINGS 0.00 0005 BUSINESS MONEY MGMT SAVINGS 0.00 0007 BUSINESS CHECKING 0.00 Total Year To Date Dividends Paid 0.00 NOTE: Total includes closed shares. Don't forget about our new Member Loy>;tity Rewardtt Program. The more products yyou have with us, the more benefits you'[1 receive. Ask an associate for details or visit our website at www.memberslst.org for deta#is. - - - Continued on reverse side - - - y.~ Send Inquires to: Maln Switchboard: (717) 697-1161 or (800) 283-2328 ~~. 5000 Louise Drive ~ Call: (717) 697-4372 or (800) 283-4372 Po sox ao May 17, 2012 thru May 31, 2012 TDD: (717) 697-5312 or (800) 283-2328 ext. 5312 Mechanicsburg, PA 77055 (717) 795-6049 or (800) 237-7288 Account Number: 462141 nk~le~xs~t~ Teiesranch: Page: 3 of 3 www.memberslst.org Account Av is S ,~ Small Volume Business Total Balance at a Glance: Business Checking: 0.00 Business Savings: 10.00 Business Money Management: 0.00 Certificates; 0.00 Loans: 0. UO Account. Charges: C+r~aett Unit Cost Charge Checks Deposited: 1 _ Checks Paid: 0 - - Total Items Processed: 1 - - lt~ms Processed Free: 50 - - lt~ms Processed Fee: 0 0. T5 t). 00 Rotted Coins Processed: 0 - - Rolled Coins ProeessedFree: 200 - - Rolled Coin 14anding Fee: 0 0.10 0. Sweeps: 0 5.00 0.00 Total Charges: 0.00 This fee will be deducted from your business checking aunt on 136/15/2012. if funds are not available, these funds will be deducted from your business savings. Thank you for your business relationship.; St MEMBERS 1St FEDERAL CREDIT UNION Send Inquires to: 5000 Louise Drive PO Box 40 Mechanicsburg, PA 17055 www.memberslst.org Main Switchboard: (717) 697-1161 or (800) 283-2328 FZ Call: (717) 697.4372 or (B00) 283-4372 TDD: (717) 697-5312 or (800) 283-2328 ext. 5312 TeleBraneh: (717) 795-6049 or (800) 237-7288 HELLESMEER GEMEINSCHAFT LLC 206 W PINE STREET MY HOLLY SPRINGS PA 17065 Statement of Accounts 3 Jun 01, 2012 thru Jun 30, 2012 Account Number: 462141 Account Balances at a Glance: Checking: 310.00 Savings: 10.00 Certificates: o . 00 Loans: o.oo Money Management: 27,oos.os Page: 1 of 3 0007 - BUSINESS CHECKING Date Tr~artion Description Additions 3utrtractions Balance Jun 01 Balaerce Forward 0.00 Jun Oi Deposit Members 1st Online Transfer 30,000.00 30,000.00 From MtLDRED ACCOUNT XXXXXXXXXX Share 0005 Jun 01 Withdrawal Members 1st Online Transfer To Share 00 18,00@. 00- 12,000.00 Jun 01 Check 000221 Tracer 0001549508 12,0.00- 0.00 Jun 06 Deposit Members 1st Online Transfer From Share 000 160. ~ 160.00 Jun 26 Deposit Members 1st Online Trans#er 150.0ti 310, 00 From MILDRED ACCOUNT XXXXXXXXXX Share 0007 Jun 30 Ending Satance 310.0 CMECK SUMMARY Check # Amount Date ;Check # Am~nt Date 000221 12,000.00 Jun 01 WITHpRAWALS AN['? OTMER CHARGES Date Amount GNscr~ion Date :Amount Destxipttarn Jun 01 18,000.00 Withdrawal Members 1st Online Tra DEPOSITS AND OTHER CREI~iTS vam nr~~v~nr rrva~.rywyn~ iraiq r+rnvurn vaaair~r~Qrr Jun 01 30,000.00 Deposit Msmbers,18t tMlfrie Tlensf Jun 26 150.00 Deposit Members 1st Online Transf Jun 06 ° 160.00 Deposit AAembers 1st f7nline Transf 3 Dapoalts and Ofihar Crodlbs foe' 30 310.'OQ SAVtIN~S ACCENTS 0000 - BUSiNE33 SAVINGS Date Transaction DQSCriction Additions ~ubtrac~oni~i„ Balance Jun 01 ea/ance Forward 10.00 Your account falls within the Small Volume Business tier. CHECKING ~1CCQUNTS - - - Continued on following page - - - gt Send Inquires to: Main Switchboard: (717) 697-1161 or (800) 283-2328 5000 Louise Drive ~~ EZ Call: (717) 697.4372 or (800) 2831372 Po Boz 4o Jun 01, 2012 thru Jun 30, 2012 . Mechanicsburg, PA 17055 TDD: (717) 697-5312 or (800) 283-2328 ext. 5312 Account Number: 462141 MPhiB~~° TeleBranch: (717) 795-6049 or (800) 237-7288 www.memberslst.org Page: 2 Of 3 Date Transaction Description Additions Subtractions Balance Jun 30 Ending Balance 10.00 0005 - BU~IiVEEiB Mt3NEY MGMT 8AUfTVGS Date Transaction Description Additions 3uib~a~tlons Balance Jun Of Bataace Forward 0,00 Jun 01 Deposit Members 1st Online Transfer From Share 000 18,000.00 18,000.00 Jun 01 Deposit Members 1st Online Transfer 12,000.00 30,000.00 From HELLESMEER GEME XXXXXXXXXX Share 0005 Jun 06 Withdrawal Members 1st Online Transfer To Share 00 18~. 00- 29,840.00 Jun 06 Withdrawal Members 1st Online Transfer 840.00- 29,000.00 To MILDRED ACCOUNT XXXXXXXXXX Share 0007 Jun 0i3 Deposit Transfer 3,000.00 32,000.00 From MILDRED ACCOUNT XXXXXXXXXX Share 0007 Jun 09 Withdrawal Membt4rs 1st Online Transfer 1,000.00- 31,000.00 To MILDRED ACCOUNT XXXXXXXXXX Share 0007 Jun 13 Withdrawal Members 1st Online Transfer 1,000.00- 30,000. To MILDRED ACCOUNT XXXXXXXXXX Share OOU7 Jun 20 Withdrawal Members 1st Online Transf@r 1,000.00- 29,000.00 To MILDREDACCOUNT XXXXXXXXXX Share 0007 Jun 25 Withdrawal Members 1st Online Transfer 1,000.00- 28,000.:00 To MILDRED ACCOUNT XXXXXXXXXX Share 0007 Jun 29 Withdrawal 1,000.00- 27,000.00 Jun 30 Deposit Dividerut Tiered Rate 8.08 27,006.06 Annual'Pericentage Ylsid Esrrted d. 250% from 06~f12Q12 through 08/30/~tt2 Jun 30 Ending balance 27,006.06 TQTAL DIVIDENDS PAID 0000 BUSINESS SAVINGS 0.00 0005 BUSINESS MONEY MGMT SAVINGS 6.06 0007 BUSINESS CHECKING 0.00 Total.Year To Date Dividends Paid 6.06 NOTE: Total includes closed shares Add Your Phc>'to For security Your personaf safety and flnancial security are top priorities at Members Oat. As a result of increased scams and fraudulent activity throughout the entire country, we are strop ~~yy encouraging members to have their photos ad-red to their account records. When vis€tit~g our branch offices you may be asked by one of our Associates to allow u>R to take your phvlo. This member identi~lcaflon program will assist in our fraud deterrence initiatives and w~llt teas our identity theft prevention program to the next level. We are experiencing an incroas ntamber of attempted fraudulent activities and as a result, we need to be able to verify your identity immediately upon retrieving your account information. In addition to Naving your photo in our flies, you may be re4uired tt>' show additbna) forms of identNication based on the type of transaction you are aeeking. This: i11 for your protsctl©n and security and are appreciate your ongoin~cooporation and understanding. --- Continued on reverse side--- gt Send Inquires to: Maln Switchboard: (717) 697-1161 or (800) 283-2328 ~~. 5000 Louise Drive EZ Call: (717) 697-4372 or (800) 283.4372 PO Box 40 TDD: (717) 697-5312 or (800) 283-2328 ext. 5312 Mechanicsburg, PA 17055 ~E~tBE~RS~t" Telearanch: (717) 795-6049 or (800) 237-7288 www.memberslst.org Jun 01, 2012 thru Jun 30, 2012 Account Number: 462141 Page: 3 of 3 Account ~!~~ . lvs~~s St~ - tn~nt Slmall Volume Business Total Balance at a Glance: Business Checking: 310.00 Business Savings: 10.00 Business Money Management: 27,006.06 Certificates: 0.00 Loans: 0.00 Account Charges: Count Unit Coat Chars~e Checks Deposited:. 0 - - Checks Paid: 1 - - Totat Items Processed: 1 - - ltems Processed Free: 50 - - Itmtns Processed Fee: 0 0.75 0.00 Rolled Coins Processed: 0 - - Rolled Coins Processed Free: 200 - - Roiled Cotn Handling Fee: 0 0.10 0.00 BweEps: 0 6.00' 0.00 ttemote Deposit Fee: 0.00 0.00 Tota l Charges: 0.00 Fiat Fee:. - ~ 0.00 This fee will be deducted from your business checking aocount on 07115/2012. If funds are not available, these funds will be deducted from your business savings. Thank you for your business relationship. St MEMBERS 1St FEDERAL CREDIT UNION Send Inquires to: 5000 Louise Drive PO Box 40 Mechanicsburg, PA 17055 www.msmberslst.org Main Switchboard: (717) 687-1181 or (800) 283-2328 EZ Call: (717) 897-4372 or (800) 283~i372 TDD: (717) 697-5312 or (800) 283-2328 ext. 5312 TeleBranch: (717) 795049 or (800) 237-7288 HELLESMEER GEMEINSCHAFT LLC 206 W PINE STREET MY HOLLY SPRINGS PA 17065 Statement of Accounts 3 Jul 01, 2012 thru Jul 31, 2012 Account Number: 462141 Account Balances at a Glance: Checking: 204.00 Savings: 10.00 Certificates: o . 00 Loans: o . 00 Money Management: 22,ooa.4s Page: 1 of 3 Your account falls within the Small Volume Business tier. CH~~CKING ACCOUNTS 0047 - BUSINESS CHECKING Date Transaction Descr~on Additions Subttaatlona Balance Jul 01 Balance Forward 310.00 Jul 11 Gheck 000223 Tracer 0001315782 13p, ~- 160.00 Jut 16 Check 000222-Trat~r 0002514848 156.00- 4.00 Jul 19 Deposit Members 1st Online Transfer From Share 000 275.00 279.00 Ju120 Gheck 000226 Tracer 0001188887 Z73, 00- 4.00 Jta130 Deposit Members 1st Online Transfer 200.00 204.00 From MILDRED ACCOUNT XXXXXXXXXX Share 0007 Juf 31 Ending Balance 204.00 CHECK SUMMARY Check;l~ Amount Date Check ~ Amour Date 000222 156.00 Ju116 000226' 275.00 u120 000223. 150.00 Ju111 * Asterisk next to number Indicates skip. in number sequence 3 Checks Geared for 581.00 DEPOSITS AND OTHER CREgiTS Date Amount DescNpNon Date Amount Descriatton Jul 19 275.00 Deposit Members 1st Online Transf Jul 30 200.00 Deposit Members 1st Online Transf 2 Deposits and Other Creaglts for 475.. 00 SAV~NQS ACCOIJNTs 0000 - BUSINE8S SAYINt33 DaQe Transaction DescMl>wstion AddEfons Sutttractlons Balance' Juf 01 Bafanca Forward 10.00 Jr1f 31 Ending Balance 9'0.00 --- Continued on following page --- y~ Send Inquires to: Main Switchboard: (717) 897-1181 or (800) 283.2328 ~~, 5000 Louise Drive EZ Call: (717) 697-4372 or (800) 283-4372 Po sox ao Ju101, 2012 thru Jul 31, 2012 TDD: (717) 697-5312 or (800) 283-2328 ext. 5312 Mechanicsburg, PA 17055 Account Number: 462141 MEMB~ 1° TeleBranch: (717) 795-6049 or (800) 237-7288 ~~ www.membenslst.org Page: 2 Of 3 0005 - BUSINESS MONEY MGMT SAVINGS Jul 02 Withdrawal Members 1st Online Transfer To MILDRED ACCOUNT XXXXXXXXXX Share 0007 Jul 13 Withdrawal MenTbers 1st Online Transfer TRANSACTION DATE - 07N 2/2012 To MILDRED ACCOUNT XXXXXXXXXX Share 0007 Jul 19 Withdrawal Members 1st Online Transfer To Share 00 Jul 20 Withdrawal Members 1st Online Transfer To MILDRED ACCOUNT XXXXXXXXXX Share 0007 Juf 23 Withdrawal Members 1st Online Transfer To MILDRED ACCOUNT XXXXXXXXXX Share 0007 Jul 28 Withdrawal Members 1st Online Transfer To MILDRED ACCOUNT XXXXXXXXXX Share 0007 Jul 31 Deposit Dividend Tiered Rate Annual Percentage Yle/d lamed 0. ?10% from O7/r11/2'012 through 07!31/2'012 Jul 31 Ending F3a/ance . ,,. 1,ooa. 00- s~,oos: os 1,Otft3.00- 25,000.06 273.00- 24,725.06 725..00- 24,000.06 1,000.00- 23,000.06 i,000.Ott ~,01'~.08 4.40 22,004.46 22,004, 46 TOTAL DNfDENQ$ PAlD 0000 BUSINESS SAVINGS 0.00 0005 BUSINESS MONEY MGMT SAVINGS 10.46 0007 BUSINESS CHECKING 0.00 Total Year To Data Dividends Paid 10.46 NOTE: Total includes closed shares Add Your Photo For Security Your onal saf uri are top~~ pioriti at Mernbens 1st. As a result of pars ety an Wane al sec ttyy increased scams and fraudulent at~v~r throu~ar~ #ha etne country, we are strore~ encaur ng members to have their photos adtled to tl>Ieir account records. HVhifn v~ our branclti~'lces u ma#r t,te asked py a~r><e of our ~~iates to aiii~rw w to take ~r photo. This membprir t~#t~bi~~atign dam wtil aaat~# in our 1`d c~t+nce ies and wFtl t~#ca our idlsn ti?u}ft prevat,itlon ram to the next i~el. We are expe~tte+tcia1lg. an increnumber of att~ed frauduierrt .and as a result, vine Woad to be abi® toverFfy your I immediately u~-on rattle ng your account information. In addition to Naving your photo in our files, you may be required to show additional forms of identification Fused on ttu4 type of transaction you are seekingg. This is for your pro#e~ctit><r>t and security and we appreciate your ongoing cooperation and understanding.. --- Continued on reverse side --- ~~ Ma MBERS i" Send Inquires to: Maln Switchboard: (717) 697-1161 or (800) 283-2328 5000 Louise Drive EZ Call: (717) 697-4372 or (800) 283-4372 Po sox ao Jul 01, 2012 thru Jul 31, 2012 TDD: (717) 697-5312 or (800) 283-2328 ext. 5312 Mechanicsburg, PA 17055 TeleBranch: (717) 795-6049 or (800) 237-7288 Account Number: 462141 www.memberslst.org Page: 3 Of 3 Accoun.~ ~~~.~~~ Smalli Volume Business Total Baijance at a Glance: Business Checking: 204. QO Business Savrngs; 10.00 Business Money Management: 22,004.46 Certificates: 0.00 Loans: 0.00 Account Charges: Count Unit Cost Charge Checks. Deposited: 0 - Checks Paid: 3 - - Total Items Processed: 3 - - Items Processed Free: 50 - kerns Processed Fee: 0 0.75 0.-00 .Rolled Coins Processed: 0 - - Roiled Coins Processed Free: 200 - Dolled Coin Hatscfiing Fee: 0 .0.10 0.00 Sweeps: 0 .5.00 O.OE1 Remote peposit Fee: - 0:00 0.00 Total Charges: 0.00 Flat Fee: _ 0.00 This fee will be deduced from your busin®ss checking account on 08/15/2012 . if funds are not available, these funds will be deducted from your business savings. Thank you for your business relationship.:. St MEMBERS 1St FEDERALCREDIT UNION send Inquires t°: Statement Of Accounts 3 5000 Louses Drlve PO Boz 40 Mechanicsburg, PA 17055 Au 01, 2012 thru Au 31, 2012 www.memberel et.org g g Main Switchboard: (717) 697-1161 or (800) 283-2328 EZ Call: (717) 697-4372 or (800) 283-4372 Account Number: 462141 TDD: (717) 697-5312 or (800) 283-2328 ext. 5312 TeleBranch: (717)795-6049 or (800)237-7288 Account Balances at a Glance: Checking: 1.53 Savings: 10.00 Certificates: o . 00 HELLESMEER GEMEINSCHAFT LLC Loans: 0.00 206 W PINE STREET Money Management: 1x,402.81 MY HOLLY SPRINGS PA 17065 Page: 1 of 3 Your account falls within the Small Volume Business tier. CHECKING ACCOUNTS 0007 • BUSINESS CHECKING Date Tranaactlgn Descrlpdon Additions Subtraatfons 13a~niae AuS Q1 B~tNtnce Fort4•ar+al 204.00 Aug 01 Check 000229 Tracer 0001125085 28.50- 175.50 Aug-02 Deposit Members 1st Online Transfer 200.00 375,50 From MILDRED ACCOUNT XXXXXXXXXX Share 0007 Aug 02 Check 000228 Tracer 0001271566 15p, 00- 225.50 Aug 03 Check 000227 Tracer 0001282629 23.97- 201.53 Aug 07 Check 000230 Tracer 0001123973 20~. DD• 1.53 Aug 15 Deposi# Members 1st Online Transfer 325.00 ' 326.53... From HELLESMEER GEME XX)CXXXXXXX Share 0007 Aug 15 Withdrawal Members 1st Online Transfer 325.00- 1.53 To MILDRED ACCOUNT XXXXXXXXXX Share 0007 Aug 28 Deposit Members 1st OnBne Transfer 175.00 176.53 From MILDRED ACCOUNT XXXXXXXXXX Share 0007 AWg 29 Check 000232 Tracer 0001122920 25. QO- 151.53 Aug 30 Ghedc 000231 Tracer 0001271704. 150.0©- 1.53 Aug 31 Ending Balance 1.53 CHECK SUMMARY Check ~? Amount 'Date Check # Amount Date 000227 23..97 Aug 03 000230. 200.00 Aug OT 000228 150.00. Aug 02 000231 150.00 Aug 30 000229 28, 50 Aug Al 000232 25.00 Aug 29 6 Checks Cleared ~ 577..47 WITHDRAWALS AND OTHER CHARGES Date A Damon Date Amount Descrlptlan Aug 15 325.00 Withdrawal Members 1 st Online Tra - - - Continued on following page - - - gt Send Inquires to: Main Switchboard: (717) 697-1161 or (800) 283-2328 ~~. 5000 Louise Drive EZ Call: (717) 697-4372 or (800) 283-4372 PO Box 40 TDD: (717) 697-5312 or (800) 283-2328 ext. 5312 Mt:MBERS t^ Mechanicsburg, PA 17055 TeleBranch: (717) 795-6049 or (800) 237-7288 ,m...,~~.~. www.memberslst.org DEPOSITS AND OTHER CREDITS Aug 01, 2012 thru Aug 31, 2012 Account Number: 462141 Page: 2 of 3 Date Amount Description Date Amount Description Aug 02 200.00 Deposit Members 1st Online Transf Aug 28 175.00 Deposit Members 1st Online Transf Aug 15 325.00 Deposit Members 1st Online Transf 3 Qaposits and ©ther Credits for 700.00 SAVIWt33 ACCaUNTS 0000 - BUSiiIVESS SAVINGS Date Transaction Description Additions Bat s Balance Aug 01 dla/ance Forward 10.00 Arrg 31 Ending Balance 10.00 0005 - l3 S E`f MGMT SAYINGS pate Tra Desert n Additi ubtrsetions Ba Aug 01 Balance rd 22,004.46 'Aug 02 Withdrawal Members 1st Online Transfer 2,004.00- Z0,~0.46 To MILDRED ACCOUNT XXXXXXXXXX Share 0007 Aug 11 Withdrawsl'Members 1st Online Transfer 1,000.00- 19,000:48 Ta MILDRED ACCOUNT XXXXXXXXXX Share 0007 Aug 15 Withdrawal Members 1st Online Transfer 500.00- 18,500.46 To MILDRED ACCOUNTXXXXXXXXXX Share 0007 Aug 20 Withdrawal Members 1st Onlhe Transfer 500..00- 18,000.46 To MILDRED ACCOUNT XXXXXXXXXX Share 0007 Aug 21 Withdrawal Members 1st Online Transfer 1,000.00- 17,000.46 To MILDRED ACCOUNT XXXXXXXXXX Share 0007 Aug 27 Withdrawal Members 1st Online Transfer 600.00- 16,400.4t3 To MILDRED ACCOUNT XXXXXXXXXX Share 0007 Aug 31 Deposit Dividend Tiered Rate 2.36 16,402.81 Annual qe Yla/d Earned 0. 150•X, from 1~i2 throagh 08/31/2012 Auq 3i Ending BaHnce 16,402.81 YTD :tU~AARiES TOTAL DIVIDLhIDS PAID 0000 BUSINESS SAVINGS 0; 00 fX)05 61131NES5 MONEY MGMT SAVINGS 12.81 0007 BUSINESS CHECKING 0"00 Total Year To Date Dividends Paid 12.81 NOTE: T+stal includes closed shares Don't forget about our new Member Loyalty Rewards Pr ram. The more products yyou have with us, the more tHnefi?~ you'!i rscthre. Ask an associate for details or visit our website at www.members1st.org far details. --- Continued on reverse side --- yt Send Inquires to: Maln Switchboard: (717) 697-1161 or (800) 283-2328 ~~• 5000 l.oulse Drive ~ Call: (717) 697-4372 or (800) 283-4372 Po t3ox ao Aug 01, 2012 thru Aug 31, 2012 TDD: (717) 697-5312 or (800) 283-2328 ext. 5312 Mechanicsburg, PA 17055 Account Number: 462141 MEMB~ERS„~a" TeleBranch: (717) 795-8049 or (800) 237-7288 www.memberelst.org Page: 3 Of 3 Accaun,~ An v~is S i~rn~nt Small Volume Business Total Balance at a Glance: Business Checking: 1.53 Business Savings: 10.00 Business Money Management: 16,402.81 ..certificates: o . oa loans: 0.00 Account Charges• Count Unit Cost Chars>le Checks C~posited: 0 - - Checks Paid.: 6 - Total Items Processed:... 6 - Items Processed Free:. 50 hems Processed Feta: 0 0.75 0.00 f2olled Goins Processed: 0 - R~led_Coins Processed Free: 200 - - Rolled Cofn fiandlfng Fse: 0 0.10 0.00 Sweeps: 0 5.00 0.00 Remote Deposit Fes: - 0.00 0.00 Totaf Charges: 0.00 Flat Fes: - - 0.00 This fee will be deducted from your business checking accounYon 09/15/2012.. Jf funds are not available, these funds will be deducted from your buness savings Thank you for your business relatioriiship . St MEMBERS 1St FEDERAL CREDIT UNION Send Inquires to: 5000 Louise Drive PO Boz 40 Mechanicsburg, PA 17055 www.memberslst.org Main Switchboard: (717) 697-1161 or (800) 283-2328 EZ Call: (717) 897-4372 or (800) 283-4372 TDD: (717) 697-5312 or (800) 283-2328 ext. 5312 TeleBranch: (717) 795-6049 or (800) 237-7288 HELLESMEER GEMEINSCHAFT LLC 206 W PINE STREET MY HOLLY SPRINGS PA 17065 Statement of Accounts 3 Sep 01, 2012 thru Sep 30, 2012 Account Number: 462141 Account Balances at a Glance: Checking: 151 .53 Savings: 10.00 Certificates: o . 00 Loans: o.oo Money Management: 11 , 002.45 Page: 1 of 3 Your account falls within the Small Volume Business tier. CMECK~NG ACCaUNTS ~t197 - BUSINESS CHECKING Date Trantl`actfon Description AthUt#ant Subtractions Balance Sgp 01 Balance Forrrand 1.53 Sep 26 Deposit Members 1st Online Transfer 200.00' 201.53 From MILDRED ACCOUNT XXXXXXXXXX Share 0007 Sep. 27 Check 000233 Tracer OOOt 158468 200.00- 1.53 Sep 28 Deposit Members 1s# Online Transfer 150.00 151.53 From MILOREO ACCOUNT XXXXXXXXXX Share 0007 Sep 30 ErtaNng 8ahncta 151.53:- CHEEK SUIi11MARY Check # :Amount: Date .Check # Amount. Date 000233 200. ~ Sep 27 DEPOSITS AWD OTHER CREDITS Date Amount Description _ Date ___ Amount __Descri~n . _ _ Sep 26 200.00. Deposit Members 1st Online Transf Sep 28 150.00 Deposit Members 1st Online Transf 2 Dsposita and ether Credits for 330...00 S~-N~tNGS ACCOUNTS 0000 - BUSINESS SAVINGS D Tr on AtiditFons S one Bat Sep 01 Ft/vt~sttrd 10.00 Srp 30 Endfng 8a/ence 10.00 - - - Continued on following page - - - ~ Send Inquires to: Main Switchboard: (717) 697-1161 or (800) 283-2328 ~~. 5000 Louise Drive ~ Call: (717) 697-4372 or (800) 283-4372 PO sox 40 Sep 01, 2012 thru Sep 30, 2012 Mechanicsburg, PA 17055 TDD: (717) 697-5312 or (800) 283-2328 ext. 5312 Account Number: 482141 arF~1BERS 1• Telssranch: (717) 795-6049 or (800) 237-7288 www.memberalst.org Page: 2 Of 3 0005 - BUSINESS MONEY MGMT SAVINGS Date Transaction Dettcription Additions Subtractions Balance Sep 01 Balance Forward 16,402.81 Sep 01 Withdrawal Members 1st Online Transfer 200.00- 18,202.81 To HELLESMEER GEMEI XXXXXXXXXX Share 0007 Sep 01 Withdrawal Members 1st Online Transfer 500.00- 15,702.81 To MILDRED ACCOUNT XXXXXXXXXX Share 0007 Sep 03 Withdrawal Members 1st Online Transfer 702.00- 15,000.81 To MILDRED ACCOUNT XXXXXXXXXX Share 0007 Sep 10 Withdrawal Members 1st Online Transfer 1,000.00- 14,000.81 To MILDRED ACCOUNT XXXXXXXXXX Share 0007 Sep 15 Withdrawal Members 1st Online Transfer 1,000.Oti- 13,000.81 To MILDRED ACCOUNT XXXXXXXXXX Share 0007 Sep 21 Withdrawal 1,000.00- 12,000.81 Sep 25 Withdrawal Members 1st Onln® Transfer 1,000.00. 11,e)00.81 To MILDRED ACCOUNT XXXXXXXXXX Share 0007 Sep 30 Deposit Dividend Tiisred Rate 1.64 ~ 11,002.45 Annual FercenUt~re Yield i'~1!1'r1eFl0. 150 from 09/01/2012 thro~gh'09/30/ZOi2 Sep 30 fndir-g Bad»ce 11,002.. 45 TOTAL DIVILft¢NDS PAip Q000 BUSINESS SAVINGS 0.00 0005 BUSINESS MONEY MGMT SAVINGS 14.45 0007 BUSINESS CHECKING 0.0© Total Year To Datt3 Divid®nds Paid 14.45 NOTE: Total includes dosed shares Add Your Photo For Security Your personal safety and financial security.. are top. riorites at Members 1st. As a result of increased scams and fraudulent activity througghau~the entire country, we are stro encouraggi~~n~g members to have their photos added to their account records. When v~ng our branch offlGes, you may be asked by one of our Associates to allow us to take your photo. This member identiAcatlon program will assist in our fraud deterrence Initiatives and rlvilt tatice our identity theft preventionprogram to .the next level. We are experiencing an increasin##~~ number of attempted fraudblent activities and as a result, we need to be able to verify your identity immediately upon retrieving your account information. In addition to havingg your photo in our files you maybe required to show additional forms of identification basedon the type of transact~pn you are seeking. This is far your protection and security and we appreciate. your ongoing cooperation and understanding.. - - - Continued on reverse side - - - st Send Inquires to: Main Switchboard: (717) 697-1161 or (800) 283-2328 ~~. 5000 Louise Drive ~ Call: (717) 697-4372 or (800) 283-4372 PO Box 40 TOD: Mechanicsburg, PA 17055 (717) 697-5312 or (800) 283-2328 ext. 5312 M~F.MBP~RS~1° TeleBranch: (717) 795-8049 or (800) 237-7288 www.membentlst.org Sep 01, 2012 thru Sep 30, 2012 Account Number: 462141 Page: 3 of 3 Account ~-na lv~~s ,ta~elm,~n# Sma11 Volume Business Total Balance at a Glance: Business Checking: 151.53 Business Savings: 10.00 Business Money Management: 11,002.45 Certificates: 0.00 Loans: 0.00 Account Charges: Count Wnit Cost Charge Checks Deposited: 0 - - Checks Paid: 1 - - Total Items Processed: 1 - - lt~ms Processed Free: 54) - - Itema Processed Fee:. 0 0.75 0.00 RaHed Coins Processed: t7 - - RoBed Cans Processed Free: 200 - - Rolled Coin HandNng Fee: 0 0.10 0.00 Sweeps: 0 5.00 0.00 Remote Deposit Fee: - 0.00 0.00 Total Charges:.. 0.00 Flat Fee: - - 0.00 This fee wiA be deducted from your business checking account on 10/15/2012. If funds are not available, these funds wiN be deducted from your business savings. Thank you for your business relationship . St MEMBERS 1St FEDERAL CREDIT UN[ON Send Inquires to: 5000 Louise Drive PO Boz 40 Mechanicsburg, PA 17055 www.membarslst.org Main Switchboard: (717) 697-1161 or (800) 283-2328 EZ Call: (717) 697-4372 or (800) 283-4372 TDD: (717) 697-5312 or (800) 283-2328 ext. 5312 Telel3ranch: (717) 795-6049 or (800) 237-7288 HELLESMEER GEMEINSCHAFT LLC 206 W PINE STREET MY HOLLY SPRINGS PA 17065 Statement of Accounts 3 Oct 01, 2012 thru Oct 31, 2012 Account Number: 462141 Account Balances at a Glance: Checking: 118.13 Savings: 10.00 Certificates: o . 00 Loans: o.oo Money Management: 7,001.57 Page: 1 of 3 Your account falls within the Small Volume Business tier. CH~CK~t+~3- ~-CCt~UNTS 004)7 - BU~fES~ CH~CKffVeBi Dale Transect~Description ~~ ~ Additions Subtracttores Balance 4kt 01 Bahnca lcwwarti 151.53 Oct 01 Check 000234 Tracer 0002596729 150.00- 1.53 Oc104 ©eposft Members 1st Online Transfer 110.00 111.53 From MILDRED ACCOUNT XXXXXXXXXX Share 0007 Oct 09 ~t3poslt Transfer 80.00 191.53 From MILDRED ACCOUNT XXXXXXXXXX Spate 0007 Oct 09 Deposit Members 1st Online Transfer 55.00 248.53 .From MILDRED ACCOUNT XXXXXXXXXX Share 1)007 Oct 09 Check 000235 Tracer 0002574503 105. fl0- 141.53 Oct 10 Check 000236 Tracer 0004048579 1.4it3• 139.93 Oct 10 Check 000237 Tracer 0004048578 1.843- 138.33 Oct 12 Check 000239 Tracer 0000432880 1.80- 136.73 Oct 12 Check 000240 Tracer 0000432879 1.80- 135. 13 Oct 12 Check 000241 Tracer 0000240323 50.00- 85.13 Oct 16 Deposit Members 1st Online Transfer 132.00 217.13 From MILDRED ACCOUNT XXXXXXXXXX Share 0007 Oct 17 Check 000243 Tracer 0000255711 28, 00- 191.13 Oct 17 Check 400238 Tracer 0000226348 73'.00- 118.13 Oct 24 Deposit Transfer From Share 0005 150.00 288.13 Oct 25 Check E300244 Tracer 0000241116 150.00- 118. i3 Oct 30 Deposit Members 1st Online Transfer.: 1,4100.00 1,118.13 From HELLESMEER GEMS XXXXXXXXXX Share 0007 Oet 30 Withdrawal Members 1st Online Transfer 1,0430. A0- 118.13 To MILDRED ACCOUNT XXXXXXXXXX Share 0007 Ocf 31 Eng Balance 118.13 CHECK SUMMARY Chsck# Amount Date Check# Atttsnrnt Rate 000234 150.00 Oct 01 000238 73.00 Oct 17 000235: 105.00 Oct 09 000239 1.60 Oct 12 000236 1.60 Oct 10 000240 1.60 Oct 12 000237 1.60 Oct 10 000241 50.E Oct 12 - - - Continued on following page - - - St Send Inquires to: Maln Switchboard: (717) 697-1161 or (800) 283-2328 ~~. 5000 Louise Drive ~ Call: (717) 697-4372 or (800) 283.4372 Po sox ao Oct 01, 2012 thru Oct 31, 2012 TDD: (717) 697-5312 or (800) 283-2328 ext. 5312 Mechanicsburg, PA 17055 Account Number: 462141 M~EMB~RS~° TeleBranch: (717) 795-8049 or (800) 237-7288 www.memberslst.org Page: 2 of 3 Check # Amount Date Check # Amount Date 000243* 26.00 Oct 17 000244 150.00 Oct 25 * Asterisk next to number indicates skfp fn number sequence 10 Checks Cleared for 560.40 WITHDRAWALS AND OTHER CHARGES Date Amount Description Date Amount Description Oct 30 1,000.00 Withdrawal Members 1st Online Tra DEPOSITS AND OTHER CREDITS Oct 09 80.00 Deposit Transfer Oct 24 150.00 Deposit Transfer Oct 09 55.00 Deposit Members 1st Online Transf Oct 30 1,000.00 Deposit Members 1st Online Transf 6 Deposits and Other Credits for 1, 527.00 SAV~N~S ~CC~UNTS 0000 - Bu~ir~~ss snvlNGs Gate Transaction Description Addttions Subtractions Balance Oct 01 Balance Forward 10.00 Oct 31 Ending Balance 10 .'00 0005 - BUSINESS MONEY MQihAAT 3AVFN~3 Date Transaction Description Additions Subtrat3tlons l3alante ocr a1 Baance Forward 11,002.45 Oct 04 Withdrawal Members 1st Online Transfer 1,002.00- 10,000.45 To MILDRED ACCOUNT XXXXXXXXXX Share 0007 Oct-09 Withdraws! Transfer 1,000.00- 9,000.45 To MILDRED ACCOUNT XXXXXXXXXX Share 0007 Oct 15 Withdrawal Members 1st Online Transfer 1,000.00- 8,000.45 7o MILDRED ACCOUNT XXXXXXXXXX Share 0007 Oct 16 Deposit Members 1st Online Transfer 1,000.00 9,000.45. From HELLESMEER GEMS XXXXXXXXXX Share 0007 Oct 19 Withdrawal Members 1st Online Transfer 500.00• 8,500.43 To MILDRED ACCOUNT XXXXXXXXXX Share 0007 Oct 23 Withdrawal Transfer 500.00- 8,000.45 Ta MILDRED ACCOUNT XXXXXXXXXX Share 0007 Oct 24 Withdrawal Transfer To Share 0007 150.00- 7,850.45 Oct 24 Withdrawal Transfer 350.00- 7,500.45 To MILDRED ACCOUNT XXXXXXXXXX Share 0007 Oct 30 Withdrawal Members 1st Online Transfer 500.00- 7,000.45 To MILDRED AGCOUNT XXXXXXXXXX Share 0007 Oct 31 Deposit Dividend Tiered Rate 1.12 7,001.. 5T Annual Percarrtags YIMd 15srned 0. 150% from 10/01/2012 through .10/31/2012 Oct 31 Ending Bence 7,001.57 ~~ .~U'~~~R~~S TOTAL DIVIDENDS PAiD 0000 BUSINESS SAVINGS 0.00 0005 BUSINESS MONEY MGMT SAVINGS 15. 5T X47 BUSINESS CHECKING 0.00 Total Year To Date Dividends Paid 15.57 NOTE: Total includes Gosed shares - - - Continued on reverse side - - - ~ Send Inquires to: Main Switchboard: (717) 697.1161 or (800) 283-2328 ~~• 5000 Louise Drive EZ Call: (717) 697-4372 or (800) 283.4372 Po 60: ao Oct 01, 2012 thru Oct 31, 2012 Mechanicsburg, PA 17055 TDD: (717) 697-5312 or (800) 283-2328 ext. 5312 Account Number: 462141 M~EMB~RS~t° Tele9ranch: (717) 795-6049 or (800) 237-7288 www.memberslst.org Page: 3 Of 3 Account An~~Ys„ S#+~m~nt Smail Volume Business Total Balance at a Glance: Business Checking: 11-8.13 Business Savings: 10.00 Business Money Management: 7,001.57 certificates: o . o0 Loans: 0.00 Account Charges: Count Unit Cost Char, e Checks Deposited: 0 - - Chedcs Paid: 10 - - Total Items Processed: 10 - - Items Processed Free: 50 - - Items Processsd Fee: 0 0.75 0.00 Bolted Cars Processed: 0 _ - Roll®d Cans Processed Free: 200 - - Rollad CoM HandNng Fee: 0 " 0.10 0.00 Sweeps: 0 5.00 0.00 Remote Deposit Fee: _ 0.00 0.00 Total Charges: 0.00 Flat Fae: - - 0.00 This fee wik be deducted from your business checking account on 41/15/2012. If funds are not available, these-funds will be deducted fromyourbustness savings. Thank you for yt~t,lr business retatianship.