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HomeMy WebLinkAbout12-3696+y ?1 t 13 E, _TPIA NQ 1A, BARLEYSNYDER Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff v. KELLY H. BUSLER, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. \a-3lo1 ? lA Lull- NOTICE TO DEFEND Pursuant to PA RCP No. 1018.1 YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice to you for any money claimed in the Complaint or for any other claim or relief requested by Plaintiff(s). You may lose money or property or other rights important to you. 35428591 a Q?{ ?Io3.7.S?racl a C?# N31?(c q 2- a-) g? YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Lawyer Referral Service 32 South Bedford Street Carlisle, PA 17013 800.999.9108 35428591 BARLEYSNYDER Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. KELLY H. BUSLER, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. AVISO PARA DEFENDER Conforme a RCP No. 1018,1 del PA LE HAN DEMANDADO EN CORTE. Si usted desea defender contra las demandas dispuestas en las paginas siguientes, usted debe tomar la accion en el plazo de veinte (20) dias despues de esta queja y el aviso es servido, incorporando un aspecto escrito personalmente o por el abogado y archivando en escribir con la corte sus defensas u objeciones a las demandas dispuestas contra usted. Le advierten que si usted no puede hacer asi que el caso puede proceder sin usted y un juicio se puede incorporar contra usted por la corte sin aviso adicional a usted para cualquier dinero demandado en la queja o para cualquier otra demanda o relevacion pedida por Plaintiff(s). Usted puede perder el dinero o la caracteristica u otra endereza importante a usted. 35428591 USTED DEBE LLEVAR ESTE PAPEL SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE Un ABOGADO, VAYA A O LLAME POR TELEFONO La OFICINA DISPUESTA ABAJO. ESTA OFICINA PUEDE PROVEER De USTED La INFORMACION SOBRE EMPLEAR A un ABOGADO. SI USTED NO PUEDE PERMITIRSE AL HIRE A un ABOGADO, ESTA OFICINA PUEDE PODER PROVEER DE USTED LA INFORMACION SOBRE LAS AGENCIAS QUE LOS SERVICIOS JURIDICOS de la OFERTA de MAYO A LAS PERSONAS ELEGIBLES EN Un HONORARIO REDUCIDO O NINGON HONORARIO. Cumberland County Lawyer Referral Service 32 South Bedford Street Carlisle, PA 17013 800.999.9108 35428591 BARLEYSNYDER Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 Attorneys for Plaintiff Pennsylvania State Employees Credit Union PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. KELLY H. BUSLER, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. _ Defendant COMPLAINT 1. Plaintiff, Pennsylvania State Employees Credit Union ("PSECU"), is a Pennsylvania financial institution having an office at One Credit Union Place, Harrisburg, Pennsylvania 17110. 2. Defendant, Kelly H. Busler, is an adult individual with a last known address of 301 Westview Drive, Mechanicsburg, PA 17055. 3. On or about June 23, 2009, Defendant entered into a Loanliner Credit and Security Agreement and Loanliner Addendum (the "Agreement ") with Plaintiff for the purchase of a2008 Chevrolet Silverado, VIN 43GCEK13M78G194036 (the "Vehicle"). A true and 35428591 correct copy of the Agreement is attached hereto as Exhibit "A" and incorporated herein by reference. 4. Plaintiff s perfected security interest in the Vehicle is evidenced by a Commonwealth of Pennsylvania Certificate of Title (the "Title"), a true and correct copy of which is attached hereto as Exhibit "B" and incorporated herein by reference. 5. Defendant defaulted under the Agreement by failing to pay the monthly payments when due and is currently due for the months of May 23, 2010 and thereafter. 6. Based on Defendant's default, Plaintiff repossessed the Vehicle on or about July 14, 2010. By letter dated July 15, 2010, Plaintiff provided Defendant with Notice of Repossession and Right to Redeem (the "Notice"), a true and correct copy of which is attached hereto as Exhibit "C" and incorporated herein by reference. Defendant remains liable to Plaintiff under the Agreement as follows: Principal $10,242.67 Collection/Attorneys' Fees 1,200.53 TOTAL $11,443.20 plus costs of suit. 9. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., Defendant may dispute the validity of the debt or any portion thereof. If Defendant does so in writing within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will obtain and provide Defendant with written verification thereof, otherwise, the debt will be assumed to be valid. Likewise, if requested within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will send Defendant the name and address of the original creditor if different from the above. 35428591 2 WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union demands judgment in its favor and against Defendant, Kelly H. Busler, in the amount of $11,443.20, and costs of suit. BARLEY By: Wawn M. Long, Esquire Court I.D. 83774 126 East King Street Lancaster, PA 17602- S 717.299.5201 Attorneys for Plainti 35428591 3 VERIFICATION Pennsylvania State Employees Credit Union v. Kelly H. Busler I, Gregory R. Diffenderfer, being duly affirmed according to law, depose and say that I am the Collection Manager for Pennsylvania State Employees Credit Union; that I am authorized to make this Verification on its behalf and that the facts set forth in the foregoing Complaint are true and correct to the best of my knowledge, information, and belief. To the extent that any of the averments in the foregoing document are based upon the understanding or application of law, I have relied upon counsel in making this Verification. This Verification is made subject to the penalties of 18 Pa. C.S.A. §4904, relating to unsworn falsification to authorities. Dated: 10171 cola Gregory R. Diffenderfer 35428591 EXHIBIT "A 3542859_1 In-House Copy ".. ` O a Pennsylvania State Employees Credit Union P. 0. Box 67013 PSEC Harrisburg. PA 17106-7013 ADVANCE PROCEEDS VOUCHER AND SECURITY AGREEMENT 00:237.7328 YEtdBERNAME• ..'r_:. ' `':??' 3"?/lt?#F?AyTN1?BEiF;:':?:: :_ ?NarF,N,I?fBE,fi'?;;::':.`: KELLY H BUSLER /23/2009 3694/L10 X5680 301 WESTVIEW DRIVE MECHANICSBURG, PA 17055 PURPOSE AutoCheck Dealer TR"" " TY 1 [ ISMfIf LW W 2 ? LLOAN ADVANCE 3 ? BE D V E UW A . . (DESCRI ) 4. Q U AOM W81p1ED FOLLOWM 00VI RAGE THIB Yes ? 1408 Y 11 ENO M YE9 El ?? LN 6 P4ANGE NI i'iM8 ONLY) ANNUAL PER- CENTAOE RATE INTEREST RAE M A ?R O AAWUNr AOWViCED PREV?UB BALANCE CKAMES NEYYBALANCE .0205205 7.490% FIXED VARIABLE ® 11 + 38, 499. ?:.. 8z:4 1 3211 . 32f ?' 0.00 38,499.32 PAYMENT 590.43 DUE oATE 7/23/2009 MAW FHEOUENCY Monthly PROJECTED LOAN TERM AVMJ4E.THEGMa.YS®r WNFORTHI8ADVANCEMTHBtM&PROPERTYQNLMTCMSVO11RHOMMWHVOUGAVEASBECLBMNWMNYOURACCOUNT TAW A E IFTHS IS MDYA HOME EQUITY ADVANCE, IN ADDITION TO THE PLEDGE OF SNARES W YOUR LQVW O=R' OREW A( JT, THE FOLLOW" PR rEffly MQUIM THIS ADVANCE. ITEMS FFIOPERIY !1AODEl: :' f `•? • { •.? ^n: w.':6 .w/r 1 CHEVROLET P_ 3. ILVERADO 2008 3GCEK13M78G194036 TRK 35,335.00 4.OTHER YOU PLEDGE SHARFB ANDIOR DEPOS" OF Z IN AOOOUNT NUMBER OLDACCOUPOXONINUMBER RMff +MAT OLDACOOUNTXOANNUMBER PAY0FF I r_+1WJ OLDACCOWffiAWNUMBER PAYOFF RING+wr OLD ACODWOU)ANHNrBER F*VW +MJ1: OLD ACCOMMOAN NUMBER PAY0FF NC.+ 0W ACf OM&OiW NUMBER RIVOFF + M.T. By acceptkhg the proceeds or by uMinp the funds advanced and deposked Into your shareldwe draft account, you agree (1) #W the property referenced above xdp secure the advance and any other advances you have raw or receive In the future under the tA/W(JNEW Credit and Securily Agreement (the Plan) and any odw araunta ybu owe us for any reason now or In the future In accordance wkh the terms of the Plan and (2) to make paymerds as disclosed above In accordance YM tie Isms of the Plan. vaawnuxenwr,?astxwtw.se.u9.aouu.w a.as.u+.?msn?meo PENNSYWWA STATE EMPLOYEES CREW UNION FMV /3175 JVXXMDD-1 08740024 MM PSECO Pennsylvania State Employees Credit Union P.O. Box 670Y3 • Harrisburg, PA 17106-7013 • (717) 234-8484 Harrisburg, (800) 237-7328 Nationwide Loan Disclosures This LOANUNER' Credlt and Sew* Agreettnent which includes the Thrm in The Plan documents include this referred-to as the Plan l u ill b D i : CREDIT INSURANCE - Credit fife andior credit disability insurance is optional antler the Plan. If you qualify for and purchase the Insurance from us, you authorize . os res, w e Lend g isc n agreement and an:Addendum. You; your and borrower mean :any person who signs us :td add the Insurance premiums monthly to your Icen balance and charge you the Plan. Credit union, we, our and us mean PSECU or anyone to whom the Credit interest on the entire balance. If you afect credlt .Insurance; your. payments may Increase or the period of time necessary to repay your advance maybe extended. Union transfers Its rights under the Plan. e = HOW THIS PLAN WORKS - This is an open-end, * * The credit insurance rates may.change during the Plan. If the rates change, we will provide any notices required by applicable law. call d ) under. undde er advances i anticipate that, from time to tlme, you will borrow money (called : the Plan. We are not required to make advances to you under the Plan and can refuse a request for an advance At any time. The Addendum describes the PERIODIC.:STATEMENT- On a regularbasis you will receive a statement showing at transactions under the Plan during the period cowered by the statement. V different types of credit (called "subaccounts").avaiknble under the Plan, the current Statements and notices will be sent to you at the most recent address you have r i interest rate for each subaccount expressed as a daily periodic rate and e rate and other charges. 11 may also have other ! ercenta annual rr ondin , given us in writing. Unless applicable law requires notice to each joint borrowe notice to any one of you will be notice to all. p g g esp co :arms and a schedule for determining the payment amounts. JOINT ACCOUNTS - If this is a joint account, each of you is individually and jointly CREDIT LIMIT - We may, but do not have to, establish a credit limit on certain suoancourus. If a credit limit is set for a subaccount, you promise not to exceed the responsible to payring all amounts owed. That means we can anbrce our rights under the Plan against any one of you individually or against all of you together. If you established credit limit. It you exceed: the credit limit, you promise to repay immediately the amount which exceeds the credit limit, give us Inconsistent instructions, we can refuse to follow your Instructions. Unlessour written popsy requires all of you to sign for an advance, each.of you authorizes the REPAYMENT - You promise to repay all amounts you owe under1he.Plan plus fe other(s) to obtain advances individually and agrees -to repay advances made to the Any joint accountholder may terminate the Plan by giving us prior written other(s) rent day interest. Payments are due on the test day of the month unless we sate dif at the .time of an advance: If the Addendum has no payment schedule for a . notice. If any of you terminate the Plan, the Plan is terminated be all of you. You remain liable individually and jointly for all advances incurred before termination. i subactctpnt,, your payment will be determined at the time of each advance. Payments must.inctude any amount past due and arty amount by which you have FEES AND CHARGES - 11 you gore us. a security interest in certain types of exceeded, any credit limit you have been given for a subaccount. You may repay all i or part. of what you owe at arty time without any prepayment Penalty. Even fi you property, we may ohatge you a filing fee to perfect our interest In the property. If we do, the amount of the fee will be disclosed to you at the time you obtain an advance... prepay, you will still be required to make the regutarfy'scheduled payments unless We may also charge you other fees in connection with the Plan. Our current fees are j we agree In :writing to a change in the payment schedule. if you have a joint " disclosed on the Addendum and will be added to your loan balance unless you pay j sharedtatt account. you wla be.. responsible for paying all overdraft advances them in cash. obtained by a joint holder of ttte sitaredrattaccount- Unless otherwise required by UPDATING CREDIT INFORMATION - You promise that you will promptly give us law, payments will be applied to amounts owed under the Plan, in the manner the written notice H you move.: change your. name or employment or f( any other i Credit Union chooset; information you provided tows changes. Upon our request, you also agree to i PLAN ACCESS -You can obtain credit advances in any manner.authorized by us. If provide us updated financial information. : 1 we allow you to use your ATM/Obit carts to access the Plan, you may be table for the j unauthorized use of your ATM/Debit card. you will not be liable for unauthorized use or or in writing or possible theft of the loss orall U( olte ha DEFAULT -The following paragraph applies to borrowers in ldaMo, Kansas, Maine and South Carol/na: You will be in default H you do not.make s payment of . bolleve'the in d f ult It w b . , , y r you no y , t t occurs c j unauthorized use. it you. Ipepeve ,jour. ATMi/Dablt card has been lost or ;stolen. coMW :a urrfilrig us at the telephone twmber or immediatey, inform the Credit tltttonby e e e a the amount required when It Is due. You will also prospect of payment, :performance, or realization on any property given as scarcity r d . address that appears .elsewhere in the'Plan. H the card is used to obtain unauthorized advances directly from cite Plan; your tiabrtlty wdl ndt exceed S50. It the unauthorized e . is significantly impai 7he4opowin9paragraph appAes onfyto,bonowvm in Wisconsin: You willbe in f withdrawal is tram"a siharedraft account, your pabflltY is governed by.the Regulation E disclosures you -cawed at the time you received your ATMIDabit card. even H the default if you tail ao nuke a payment when due two times during any 12 month period. You will be In default l breaking any promise made under the Plan materially l i j withdrawal results in an advance being made from your overdraft subacoount. ue, on, va impairs your ability to repay what you owe or materially impairs the condit or protection of or our right in any property you gave as security. FINANCE CHARGE -The dollar amount you pay for money borrowed is called a "finance charge" and begins on the date of each advance. A finance charge will be The following paragraph applies only to borrowers In ivwa: You will be in i i computed separately for each separate balance under the Plan. To compute the , the unpaid balance for each day since your last payment (or since finance charge n default H you are more than t 0 days late in making a payment. You will also be default if you do not comply with the terms of the Plan and your failure to comply , an advance If you have not yet made a payment) Is multiplied by the applicable dally materially impairs any property you gave as security or your ability to repay what you periodic rate. The sum of these amounts is the finance charge owed. The balance I owe under the Plan. j used to compute. the finance charge is the unpaid balance each day after payments The following paragraph applies to borrowers In all other states: You will be in j and credits to that balance have been subtracted and any additions to the balance default it you do not make a payment of the amount required when .ft Is due. You will have been made. In addition to interest we may charge other finance charges which the i be in default if you break any promise you made under the Plan or if anyone is in d nterest rate, are disclosed on the Addendum. If the interest rate is a variable er default under any security agreement made in connection with an advance un Addendum explains how the variable interest rate works. the Plan. You will be in default If you die, file for bankruptcy. become insolvent, if you SECURITY-You pledge as security for the Plan all shares and dividends and, if any, 1 make any false or misleading statements In any credit application or update of credit all deposits and Interest in all jointand individual accounts you have with us now and. if's specific doter amount is pledged for an advance, we will freeze in the Juture information, or H something happens we believe may substantially reduce your ability to repay what you owe. You will be in defaultH any properly you have given / . i shares in that account to the extent of the outstanding balance for the advance.: us as security is repossessed by someone also. seized undera forfeiture or similar Otherwise, your pledged shares may be withdrawn unless .you are In defaut. The Iaw,.or H anything else happens that significantly affects the value of the property or j following paragraph applies in 'alt states except In Oho, .Rhode island and our security interest in it. You will also be in default under the Plan if you are in default i Massachusetts* We, have a statutory ten on the shares and dividends and, If any, the under any other loan agreement with us. j deposits and Interest in all .individual and joint accounts you have with us and may : ACTIONS AFTER DEFAULT - The Wowing paragraph applies to borrowers in exercise our rights under the lien to the extent permitted by state law. (We are state chartered if our name does not include the term "Federal Credit Union!) For all Colorado, District of Columbia, Iowa, Kansas, Alain, Massachusetts, Aftsoun; South Carollne and West Virginka: When you are in default and after Nebraska borrowers The statutory lien andifor your pledge will allow us to apply tha funds , expiration of any right you have under applicable state law to cure your detaut, we can I in your account(s) to what you owe when you are in default The statutory lien and demand immediate payment of the entire unpaid balance under the Plan without your pledge do not apply to any Individual Retirement Account or any other account giving you advance noticw that would lose spacial tax treatment under state or federal law if given as security. ThefbUowing paragraph applies to borrowers in ailotherstatea except Wisconsin Additional security for the Plan may be required at the time of an advance. 11 a and Louisiana: When you are in dafaut, we can require immediate payment subaccount identifies a type of property (such as "New Cars') you must give that of property as security when you gel an advance under that subaccount. A type to demand for fool the entire unpaid balance antler the Plan o of ol any erati you have to dr payment, nonce of intent to accelerate and notice acceleration. subaccount name such as `Other .Secured" means you must provide security acceptable to us when you obtain an advance under that subaccount. Property you The following paragraphs apply to re in all states except Wfseonsfn and you will continue to pay.intatett until Louisiana. If immediate payment is demanded 1 give as security will secure all amounts owed under the Plan and all other loans you have with us now or in the future. except any loan secured by your principal dwelling, , , wrist you owe has been repaid at the applicable interest rates in effect or, H applicable; Property securing other loans you have with us may also secure the Plan. C) CUNA MUTUAL GROUP. 1980.2006. ALL RIGHTS RESERVED - MO CPSMDt FSECU FORM 03146 M ` - JSXXOSOI-2057.2092-r (4106). LOANLINER' Credit and Secur, Credit Agreement (conrlnued) at the default rate disclosed on the Addendum. if a demand for immediate payment nas been made. your shares and/or deposits can be applied towards what you cove as provided in the section above called "Security" We can also exercise any other rights given by law when you are In default You agree the Credit Union has the right to take possession of any property given as security under the Plan, without judicial process, it this can be done without breach of the peace. If we ask, you promise to deliver the property at a time and place we choose. If the property is a motor vehicle or boat. you agree that we may f obtain a key or other device necessary to unlock and operate it, when you are in default. We will not be responsible for any other property, not covered by this Agreement, that you leave inside the property or that ,is attached to the property. We return that property to you or make it available for you to ciaim. will try to Auer we have possession of the property, we can sell it and apply the money to any amounts you owe us. We will give you notice of arty public disposition or.the date attar which a private disposition will be hold. Our expenses for taking :possession of and setting the properly wit be deducted -from the money received from the sals.Those II costs may include the cost of. storing the prapertf4 preparing it for sale and attorney's 1 tees to the extercf permitted under state law or owerded .under the Bankruptcy Code. You must pay any amount that remains unpaid after the'aille. mimey has been applied i to any unpaid balance larder the Plan, You agree to pay intareat on thatamount at the same rate : as Me advance, or, i applicable, at the default rata disclosed on the Adderusum;;.unti that amount has been paid. The to/bwdng paragraph applies only to wfaconsin borrowers: When you are in default an afterexpiration of any right you have under applicable state taw tvcure your i default, we may require immediate payment of youroutstanding loan balance under4le Plan and seek possession of property given as security. You may voluntarily give the. property to us it you choose, or we may seek to take possession of the property by t judicial process. If we repossess the property, you agree to pay reasonable expenses incurred in disposing of the property. If the properly is a motor vehicle, mobile home, trailer, srwwmobie, boat or aircraft, you wR also be required to pay any costs permitted by Section 422.413 of the Wisconsin Statutes. You must .pay arty amount that remains unpaid after the sale money has been applied to what you owe under the. Plan. You agree to pay interest on any unpaid amount at the same We as the advance. or, It t applicable, at me defautt Two disclosed on the Addendum, until that amount is. pald f If the property is located outside Wisconsin at the time of defauh, we may take possession of the property without Judicial process, if permitted by the state where i the property is located. The fvllowrirtg paragraph applies only to..Loulslana borrowers: When you. are in + default, we. can require immediate.payment.(acceforation) of the entice unpaid balance under the PIan.You waive any right.you have to demand for payment: notice of intent to accelerate' and nolloe of acceleration: If immediate payment Is demanded, you will continue to pay Interest until what you owe has been repaid at . the applicable interest rates in effecl unless 'a default rate is disclosed .an the Addendum. 11 a demand for immediate payment has-been made, the shares and deposits given as security for the Plan card be applied towards what you owe. We can also exercise any other rights given by law when you are to default and out rights under any security agreements you. have with us CANCELLING OR CHANGING THE PLAN - The following paragraph apples only to borrowers in Mk?ois_ We have the right to change the terms at the Plan from time to time after giving you any advance notice moquired.by law. Any change to the interest rate or other charges will apply to future advances, The following praragraph applies ally to borrowers in Wiaconshl We can change the terms of the Plan from..tfine to time in accordance with Section 422.415 of the Wisconsin Statutes You wit be .notified of any change in .terms. An increase j in the dairy periodic rate under a variable Me interest rate is,ttut considered a i change in terms under the Plan. We can cancel the entire Plan or any part: of the 1 Plan at any time. You may cancel tree Plan at any time by giving us prior written i notice. Your obligation to pay the unpaid balances under the terms of the Plan_ continues whodwyou or the credit union cancel the Plan, except to the extedtttiat your liability is limited by Section 422.4155 of the Wisconsin Statutes. The follawing paragraph applies only to botrowers:in lows: We can change the terms of the Plan from time to time after giving you any advance notice required by, law. A change that increases the rate of finance charge or other charge, that increases the amount of your payments, or that otherwise adversely affects existing belances will apply to existing balances only it you agree to the change or you use the Plan after receiving notice that your use of the Plan means you agree the change applies to existing balances. The tollowing paragraph applies to borrowers In art other stares: We have the right to change the terms of the Plan from time to.time attar giving you any advance notice required by taw. Any change in the interest rate will apply to future advances, and at our discretion and subject to any requirements of applicable taw, wit also apply to unpaid batances. The following paragraph applies to all but Wisconsin borrvwarr An increase In the daily periodic rate under a variable Ineerest rate Is not considered a change in terms under the Plann. We can cancel the entire Plan or any part of the Plan at any time. You may cancel the Plan at any time by giving us prior written notice. Your obligation to pay the unpaid balances under the terms of the Plan continues whether you or the Credit Union cancel the Plan. DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN - We can delay enforcing any of our rights under this Plan any number of times without losing the ability to exercise our rights later. We can enforce this Plan against your heirs or I legal representatives. If we change the terms of the Plan, you agree that this Plan will continue to protect us. j CONTINUED EFFECTIVENESS - If any part of this Plan is determined by a court 1 to be unenforceable, the rest will remain in effect. NOTICE TO UTAH BORROWERS - This written agreement is a final expression of the agreement between you and the Credit Union. This written agreement may not j be contradicted by evidence of any oral agreement. The following is required Err Vermont law - NOTICE TO CO-SIGNER - YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE :EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. The following paragraphs apply if you give security in connection with an advance under the Plan.They apply to borrowers in all states except Louisiana. Louisiana borrowers will execute a separate security agreement Borrowers in other states may also be asked to execute a separate security agreement THE SECURITY FOR_THE PLAN:- You give us. what Is known as a security 4 interest in allproperty. described in arty receipt, voucher or other document you !! receive for an advance y'the.Advance"). The security interest you give Includes. ail accessions:Aeeessions am things which are attached to or installed in the property now or in the future. "The security interest also 'includes any replaciaments.for.the ProPerty which you buy within 1.0 days of the Advance or any axtansions;:renewals or refinancing of the Advance, fit also includes any money you receive from selling the property or tarn insurance you have on the property. if the value of the property declines. you. promise to give us more property as security if asked to.do so. WHATTHE SECURITY INTEREST COVERS/CROSS COLLATERAL PROVISIONS - The security interest secures the Advance described in the mosipt, voucher or any other document you receive at the time of the Advance and any extensions, renewals or refinancings of the Advance. it also secures any otheradvances you have now or receive In the future under the Plan and any other smounts or loans, including any credit card loan, you owe us for any reason now or in the future, except any loan secured by your principal residence, If the property is household goods as defined, by the 'Federal Trade Commission Credit Practices Rule, the property will secure only the Advance and not other amounts you owe. OWNERSHIP OF THE PROPERTY -'You promise that you own an property you give as security or If the Advance is to buy the Property, you promise you will use the Advance for that purpose. You promise that no one else has any interest in or 3 claim against the property that you have not a4eady told us about. You promise not I to sell or lease the property, or to use It as security for a loan with another creditor until the Advance is repaid You promise you will, allow no other security interest or lion to attach to the property either by your actions or by operation of law. PROPERTY INSURANCE, TAXES AND FEES - You must maintain property Insurance on all property that you give as security under the Plan. You may purchase the property Insurance from anyone you choose who is acceptable, to the Credit Union. The amount and coverage of the property insurance must be acceptable to. us. You may provide the. property insurance through a poGgyyou already have, or through a policy you get and pay tor. You promise to make the insurance policy payable to us and to deliver the policy or proof of coverage to us if asked to do so. 411 you cancel your insurance and get a refund, we have a right to tho sefund.It the property is lost or damaged, we can use the insurance settlement to repair the property or apply it towards what you owe: You authorize us to endom any draft or dttedd which ittay be payable to you In order for us to collect any refund or benefits due under your insurance pofcy, You also promise to pay all taxes and fees (like registration fees).due on the property. a you do, notpaythe as or fees on the property when due or keep it insured, we may :pay these cubiigaNvnc but ore are.not requlrad to do s0. Arty money we sperxf the taxes,.. tees or insurance w?F be added d the unpaid t>afarx:e of the advance and you wti pay inteuvBa? on tinose amounts attlie same rate you agreed to pay on the addvartce. We may receive paymerutc in oormeaxion vdth. the insurance from a txnrtfpstry whidt:provWes tine insurance. We.lnay morator:ourioaras tot,ttne purpose of deterrtnktin9 whether you end other'borrowets fnave complied with She insurance tequ'uements of ourl0anagreemenis or may engage others ro do So. The insurance change added to an advance may Include (1) the insurance company's payments to us and (2) the costot determining compliance with the Insurance requirements. It we add amounts for taxes, lees or insurance to the unpaid balance of an advance, we may increase your payments to pay, the amount added within the terns of the insurance or approximate term of the advance. INSURANCE NOTICE - it you do not purchase the required property insurance. I the Insurance we may purchase and charge you for will Cover only our interest in tine property The premium for this insurance may be higher because the insurance Company may have given us the right to purchase insurance after uninsured collateral is lost or damaged. The insurance will not be liability Insurance and will not satisfy any state financial responsibility or no fault laws. PROTECTING THE SECURITY INTEREST If your state issues a We for the property, you promise to have our security interest shown on the title. We may have to file what is called a financing statement to protect our security interest from the claims of others. If asked to do so, you promise to sign a financing statement. You also promise to do whatever else we think. Is necessary to protect our security interest In the property. You promise to pay all costs, including but not limned to any f attorney fees, we incur in protecting our security interest and rights in the property, to the extent permitted by applicable law. I i ' OANLINER' Cradit and Security Credit Agreement (conUrruelo USE OF PROPERTY - Until the Advance has been paid oft, you.promise you will: j (1) Use the property carefully and keep it in good repair. (2) Obtain our written permission before making major changes to the property Or changing the address where the property Is kept. (3) Inform us to writing before changing your addmss.'(4) 1 Allow us to inspect the property. (5) Promptly notify us if the property is damaged, stolen or abused. (6) Not use the property for any unlawful purpose. (7) Not to retitle property in another state without telling us. NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE i - THE MOTOR VEHICLE IN THIS TRANSACTION. MAY BE SUBJECT TO REPOSSESSION. IF IT IS REPOSSESSED AND SOLD TO SOMEONE ELSE, AND ALL AMOUNTS DUE TO THE SECURED PARTY ARE NOT RECEIVED IN HAT SALE, YOU MAY HAVE TO PAY THE DIFFERENCE. NOTICE FOR ARIZONA OWNERS OF PROPERTY - It Is unlawful for you to fail . to return a motor vehicle that is subject to a security interest. Within thirty days after you have received notice of default. The notice will be mailed to the address you gave us. It is your responsibility to notify us if your address. changes. The maximum This notice contains Important fnbrmatfan about your. rights and our responsibilities ` under the Fair Credit Billing Act. You are advised to read your monthly statement and review it. for arty error discrepancies or unauthorized transactions. NOTIFY US IN CASE OF ERRORS OR QUESTIONS : ABOUT YOUR . STATEMENT. If you think your statement is wrong. or If. you need more information about a transaction on your statement, write us on a separate sheet at the address listed on your statement. You are required to notify us in writing within 630 days following the dale on which'we sent your statement wherein the error or problem first appeared regarding any discrepancy or unauthorized transactions on your account. Failure to notify us may result In your acceptance of arty responsb"br'llty for payment or mirribursemem to us for arty such erroror discrepancy on youraocount. y write to us as soon as possible. You can telephone us, but doing so will not j preserve your rots. i In your letter, give us the following information: Your name and account number. t The dollar amount of the suspected error. Describe the error and explain; if you can, why you believe there is an error. If you need mote information, describe the Item you are not sure about., If you have authorized us to pay a crack card account automatically from your wham account or checking account. you can stop the payment on any amount you think is wrong :To stop the payment your letter must reach us three business days before the f automatic payment is scheduled. to occur. YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE -Noe must acknowledge your letter within 30 days, unless we have corrected the error try then. Within 90 days, we must either correct the error or y explain why we believe the statement: was cornett. in this Agreement, the wads you. and your means each and all of those who apply for tote card or who signs, Iris Agreement. Card means the Visa Credit Card and any duplicates and renewals we issue, Account means your Visa Credit Card line of j Credit account with us. We. us, and ours means this Credit Union: 1. RESPONSIBILITY - 0 we issue you a card. you agree to repay all debts and the Finance Charge arising from the use of the card and the card account. For example. you are responsible for charges made by yourself, your spouse and mina children. i You are also responsible for charges made by anyone else to whom you give the card. and this responsibility oontinues until the card is recovered. You cannot disclaim responsibility by notifying us, but we will close the account for new transactions if you so request and return all cards.Your obligation to pay the account balance corttinues even though an ogreemeM, divorce decree or other court judgment to which we are not a parry may direct you or-one of re other persons responsible to pay the account The cards remain our property and you must recover and surrender to us an cards upon our request and upon termination of this Agreement 2. LOST CARD NOTIFICATION - it you believe the card ties been lost or stolen, you will immediatelycall the Credit Union at (717) 234-8484 or (.800) 231-7328. After hours call (800) 556-5678: 3. LIABILITY FOR UNAUTHORIZED USE-You agree to notfy us immedefolly; orally or in writing of the loss, theft or unauthorized use of your Credit Card. You may be liable for the unauthorized use of° your Credit Card. You wtl not be liable for unauthorized use that ocours after you no4 us of the loss, theft, or possible unautwrized use. You will have no liability for unauthorized purchases made with your Credit Card, unless you-are grossly negligent in the harxlling of your Card. In any case. your liability will no exceed S50. 4. CREDIT LINE - If we approve your application.. we will establish a seal replenishing Una of Credit for you and notify you of its amount when we issue the card. YOU agree not to let the account balance exceed this approved Credit Line. Each payment you make on the account will restore your Credit Line by the smount-of the payment which is applied to the principal, You may request an increase in your Credit. penalty for unlawful failure to return a motor vehicle is one year In prison and for a fine of $150,000. For those members. who purchase a vehicle under the DRIVe Program, please review the following FTC Notice- NOTICE ANY HOLDER OFTHIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH` THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. After we receive your letter. we cannot try to collect any amount you question, or report you as delinquent We can oontfnue to send statements to you for the amount you question, including finance charges. and we can. apply any unpaid amount against your . credit limit You do not have to pay any questioned amount while we are investigating, tut you:are'still obligated to pay the parts of your statemem that we not in, question. It we find that we made a mistake on your statement you will not have to pay any finance charges related to any questioned amount, N we didn't make a mistake, you ; may have to pay finance charges, and you will have to make up any missed payments on the questioned amount in either case, we will send you a, statement of the amount you owe and the date that iris due. If youW to pay the amount that we think you owe, we may report you as delinquent. However; it our explanation does not satisfy you and you *His to us within ten days telling us that you 90H refuse to pay, we must tell anyone we report you to that you have a,question about .your statement And, we must tell you the wattle of anyone we reported you to. We must ten anyone we report you to that the matter has been settled between us when it finally is. 0 vie don't follow these rules, we can't collect the first S50 of the questioned amount, even It your statemem was correct SPECIAL RULE FOA.CREDIT CARD PURCHASES -If you have a problem with the quality of property or swvioes that you purchased with a credit card, and you have tried in good faith to corm_- the problem with the merchant, you may have the right not to pay the remaining amount due .on the property or services. Thera are two limitations on this right (a) You'must have made the purchase in your home state or, N not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than 550. These limitations do not apply it we own or operate the merchant, or n we mailed you the advertisement for the property or services. Lute only by written application to us, which must beapproved by our. credit committee or loan officer. By giving you written notate we may reduce your Credit Una from time to time, or with good; cause., revoke your card and terminate this -Agreement Good cause includes your fal ure to comply with this Agreement or any other agreement with us. or our adverse reevaluation of your creditworthiness. You may also terminate this Agreement at any time, but termination by either of us does not affect your obligation to pay the account balance. 5. CREDIT INFORMATION -You authorize us to investigate your credit standing when opening, renewing or reviewing your accoum. and you authorize us to disclose information regarding your account to credit bureaus and other creditors who inquire of us aboutyourcredit standing. 6. MONTHLY PAYMENT - we will mail you a statement every month showing your Previous Balances of purchases and cash advances, the current transactions on your account, the remaining credit available under your Credit Una, ft New Balances of purchases and cash advances, the Jbtat New Balance, the Finance Charge due to date, and arty other billed less, and the Minimum Paymem requited. Every mach you must pay at least the Minimum Payment within 25 days ofyourstatement closing deft. By separate agreement you may authorize us. to charge to mom payment automatically to your share or checking account with us. You may. of course; pay more frequently, pay more than the Minimum Payment, or pay the Total New Balance In full, and you will reduce the finance charge by doing so. It your monthly-payment exceeds the total credit The balance owed, we will automatically post the credit to your S1 shares. The minimum payment will be (a) 2% of your Total Now Balance, rounded up to the next even dollar, or (b) 520.00, whichever is greater. In addition, at any time your Total New Balance exceeds your Credit tine. you must immediately pay the excess upon our demand. We will apply payments in.the following manner: first to previous late fees. then to previous oash advances finance charges, then to previous purchase finance charges, then to current late fees, then to previous cash advance balances, then to previous purchase balances in the order that they were posted to your account, then to current cash advance balances, and then to current purchase balances. Visa* Credit Card Agreement and Truth fn Landing Dtsclasure (continued) 7. FINANCE CHARGES - You can avoid the Finance Charge on purchases by paying the full amount of the New Balance of Purchases each month within 25 days of your statement closing date. Otherwise, the New Balance of Purchases, and the subsequent purchases from the date they are posted to your account will be.subjeet to Finance Charge. Cash advances are always subject to Finance Charge from the date they are posted to your account. Purchases: We calculate your finance charge by multiplying the average adjusted daily balance (see explanation below), including new purchases, for the billing cycle by the monthly periodic purchase rate and corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum. Cash Advances: We calculate your finance charge on cash advances by multiplying the average adjusted daily balance (sae explanation below) for cash advances during the billing cycle by the monthly, '. periodic advance rate and corresponding ANNUAL PERCENTAGE RATE as disclosed on the Addendum. Balance Computation Method Average Da7y.Balance for Purchases - The Average Daily Balance for Purchase Transactions is calculated by adding the Daily Balances (Purchase Transaction) for each day in the biding cycle. and then dividing by. the number of days in the biding cycle. To calculate the Daily Balance for purchases each day, we take the Wowing steps: We rake the outstanding balance (all amounts you om) at the start of the day. Then, in the sequence in which amounts are posted to your account, we add the amounts of as debits and subtractam amounts of alt credits or payments which post : to your account that day. After applying payments and•oredits, we subtract the amount of any unpaid Finance Charges or Late Charges. Then we also subtract, the amount of any Cash Advance transactions that posted to your account onthat day or in any previous day in the biding cycle. This gives us the Daily Balance for purchases. Average Daay 9afance for Cash Aoira ves - Cash Advance Transactions wthich are posted to your amount are notindudetl in the AMSrege Daily.Balartce cakulation'lot purchases and are therefore not subject to tha monthly periodic rate forpumhases.Tite Average Daily Balance is calaiisiedseparately for Cash Advances and Is subject to the Cam Advance Ma-d Psriodic, Rate.The Average DallyBalance forCash Transecdons is calculated. by`addirigthe DatfyBalances, (Cam Transaction) fohreach day in Me biding cycle, and thardldiding by the number of days in the biBrtg cycle. To calculate the Dairy Balance for cash each day, we take Me Wowing steps: We take theoufstanding balance (an amounts you owe) at the start of the day. Them in the sequence in which amounts are pasted to your acoourtt, we add the amotnrte of all dents and subtract the. amounts of all credits or payments which post fo your aoxxxhrht that day Ater applying payments and credits, we.subtract the amount out any unpaid France Charges or Late Charges. Then we also subtract the amount of any Purchase Transactions fast posted to your account on that day or in any pretibus day in the billing cycle. This gives us the Dairy Balance for Cash Advance Transactions. Note: Cash Advanoes are always subject to finance charges and from the day they ore posted to your account. Payments are applied in fha following manner: first to previous late fees,, then to previous cash advances finance charges, then to previous purchase finance charges, then to current late fees, than to previous cash advance balances, then to . previous purchase balances In the order that they were posted to your ao counL1hen to current cash advance balances, and thereto current purchase balances. Credits are applied first to the particular type of debt which is being credited, g any, and then to the balance of your account Note also that if, the total of the payments and credits which are posted'to your account by the:Psyment Due Date shown an a statement is equal to or exceeds the New Balance shown on that statement, we will not apply the Monthly Periodic Rate to your Account on your nett statement. 8. DEFAULT-You win be in default 9 you fail to make any Minimum Payment within 25 days after your monthly eartement closing date. You authorize us .to transfer. funds sufficient to make the minimum payment dike t your Visa loan Is In detaut, You will also be In default If your ability to repay us is materially reduced bya change in.your employment, an increase in your obligations, bankruptcy or insolvency proceedings i involving you, your death or your fallure.to abide by this Agreement, or if the value ref our security interest materially decline& We have the right to demand immediate payment of your tug account balance if you detaulL subject to our giving you any notice requiredby taw. To the extent permitted by law, you will also be required to pay I our collection expenses, including courtcwsts.and reasonable attorney fees. 9, USING THE CARD - To make a purchase or cash advance, there are two alternative procedures to be followed. One is for you to present the card to a participating Visa plan merchant, or another financial institution, and sign the sates i of cash advance draft which will be imprinted with your card. The other is to complete the transaction by using your Personal Identification Number (PIN) In conjunction I with the card in an Automated Teller Machine orother type of electronic terminal that provides access to the Visa system. Yoou agree that you wit not use your card for any transaction that is illegal under applicable federal, state, or local law. The monthly statement will identify the merchant, electronic terminal or financial institution at which transactions were made. but sale, cash advance, credit or other slips cannon be returned with the statement. You will retain a copy of such slips furnished at the { time of the transaction in order to verify the monthly statement. The Credit Union may make a reasonable charge for photocopies of slips you may request. 10. OVERDRAFT OPTION - if you elect to overdraft to your PSECU Visa Credit Card, that ejection is subject to the existing credit limit and the agreement it represents and the current lean policy at the lime of the overdraft. You also understand that an j overdraft wig be considered the same as a cash advance on your PSECU Visa Credit Card and that the current Annual Percentage Rate for cash advances will apply. 11. RETURNS AND ADJUSTMENTS- Merchants and others who honor the card may give credit for returns and adjustments, and they will do so by sending us a credit slip which we will post to your Visa line of credit 0 your credit and payment exceed what you owe us, we will automatically post the excess credit balance to I your St Stares wltMa 75 days. 11 the balance is one dollar or more, upon your I written request, we will refund the credit balance to you. 11 FOR19GN TRANSACTIONS - The exchange rate between ft transaction currency and the biking' currency used for processing international transactions Is a irate selected by Visa from the range of rates available in wtiotes ee wrrericy markets for the applicable ' central processing data, which rate may vary. from the rate Visa itself -: receives, or a government-mandaletl rate In effect for the applicable central.ixccessing date. In each instance, an adjustment dray be assessed based on the ISA fee imposed by Visa. This fee, which totals I% of the transocilon:amount, will be assessed on all transactions where the merchant country :differs from the country of the card issuer. gree or find an error 13. SPECIAL RULES FOR VISA PURC14ASES - It you dies with a. Visa transaction, and have tried in good faith to correct the problem with -the merchant or the charges are the result of unauthorized or fraudulent use, or your purchase cost more than S50 and was made from a plan merchant in your state within 100 miles of your home. contact PSECU. 14. DtSPUTEDTRANSACTIONS - You are required 10 now PSECU In writing i within 80 days fallowing the date on which we sent your statement wherein the error or problem first appeared regarding anydiscrepancy or unauthorized transaction on your account Telephoning PSECU does not presierm yourdispute rights, You may be required to provide. us with documentation to support'your dispute claims. In addition, you may be required to complete a standard dispute form outlining the deteks of your dispute. In cases of fraudulent card use, PSECU will also :require a notarized affidavitAn some cases we may ask you to.notty, the local authorities. If we do not receive the proper requested documentation in the time specified you may be held responsible for the tranaaction(s) in question."PSECU must adhere to strict dispute, timeframes set forth by Visa_ 1S. SECURITY INTEREST To secure your account, you grant us a purchase money security interest under the Uniform Commercial Code in any goods you purchase through the account. If you default, we wilt have:the right to recover any of these goods which we have not been, pale for through our application of your payments in the manner described in the Monthly Payment section. With respect to this account only, we will not assert any statutory right we nay have if you are in default to prevent withdrawal of your unpledged credit union shares (Deposits) below the unpaid balance of your account However, if you give or have given us a spotcific. pledge of your credit union `shares (Deposits) by signing the Pledge of Shares or otherwise, or anyothersecurity interettts for all your debts, your account will be secured by your pledged shares (Deposits) and by the property described in those other security agreements, except for your home. 16. EFFECT OF.AGREEMENT-This Agreement is the contraCiwhich 'applies to all transactions on your account even through the sales. cash advance, credit or other slips you sign or receive rndy contain different terms. We may,amend the Agreement from time to time by sending you the advancewritten notbe required by law. Your use of the card thereafter will :indicate youragreement to-the amendments. To the extent the law permits, and we Indicate in our. notice. amendments will apply . to your existing account balance. as well as to future transactions 1-7. LATE PAYMENT CHARGE - If your Minimum Payment Is not received by the first day of:the trtonth following: your due date, you will be subject to a $20 charge. 18. RUSH FEES - You may;Iricur additional charges for rush processing and rush delivery of cards and/or PIN mailer. 19, OVER LIMI TIFEE-A S20fee will be applied breach m y statementdosi g date on which the outstan ing balance exceeds the assigned me* limit by more than 5100, 20. DRAFT COPIES.- You may.ancuf an additional charge for transaction summary/sale.draft documentation. 21. COPY RECEIVED - You acknowledge receipt of a copy of this Agreement. 22. ILLEGAL TRANSACTIONS PROHIBITED You agree that you will not use your card for any transaction that Is illegal under applicable federal, state, or local law. 23. NO USE - Inactive Visa accounts that have no purchase or cash activity may be closed without notice to you after 18 months of no activity. 24. NEURAL NETWORK - PSECU uses neural network systems to predict and prevent unauthorized transactions. There may be occasions when a transaction is declined because it is indicative of possible fraudulent activity. LOANLINERO Addendum Instructions: This addendum is incorporated into and becomes part of your LOANLINER Credit Agreement. Please keep attached. First Payment: Your first payment is due and payable within 30 days from the date of the loan advance. The Annual Percentage Rates, corresponding daily periodic rates and amount of payment for each loan subacmunt are shown below. If there is no payment schedule, the amount and due date of payments will be determined at the time of each advance and disclosed on the Advance Request Voucher, Advance Proceeds Check, or any other loan voucher or receipt. Other charges that may be imposed are also shown below (i.e., late charges, filing fees, collection costs). All rotes are subject to change. Default Rate: The credit union reserves the right to charge the highest unsecured interest rate currently in effect at PSECU. Auto Loan to Value Financing: Rates refled loan amounts up to 100% of the MSRP, the Kelley Blue Book®'s or other authorized guide's retail value of the vehicle. PSECU will charge an additional percentage point to the current interest rate when financing a vehicle for more than 100% and up to 130% of the retail value. PSECU makes all final decisions regarding vehicle values and proper rate. Loan Subaccount Approx. Percent Present Annual Minimum Payment Desorption Term in Above Daily Periodic Rate Percentage (For each 5100 Months Index Rate or fraction of $100 of your unpaid amount) without With APS Without With APS without With APS Automatic Automatic Automatic Auto Loon (1) Payment Prymont Payment New Vehicle Service Service Service $40,000 ban and value or greater 120 .00020521 .00019836 7.49% 724% $1.19 $1.18 $20,000valueorgreater 84 .00018466 .00017781 6.74% 6.49% $1.50 $1.49 $12,000 wive or greater 72 .00018466 .00017781 6.74% 6.49% $1.70 $1.69 $8,000 value or greater 60 .00017096 .00016411 6.24% 5.99% $1.95 $1.94 $6,000 value or grater 48 .00017096 .00016411 6.24% 5.99% $2.36 $2.35 $3,000 valve or greater 36 .00017096 .00016411 6.24% 5.99% $3.06 $3.05 $3,000 value or greater 24 .00014356 .00013671 5.24% 4.99% $4.40 $4.39 Used Vehides Only $40,000 ban and value or greater 120 .00020521 .00019836 7.49% 7.24% $1.19 $1.18 $20,000 value or greater 84 .00018466 .00017781 6.74% 6.49% $1.50 $1.49 $12,000 value orgreaMr 72 .00018466 .00017781 6.74% 6.19% $1.70 $1.69 $8,000 valve or greater 60 .00017096 .00016411 6.24% 5.99% $1.95 $1.94 $6,000 value or greater 48 .OWI7096 .30016411 6.24% 5.99% $2.36 $2.35 $3,000 vote or greater 36 .00017096 .00016411 6.24% 5.99% $3.06 $3.05 $3,000 vahre or greater 24 .00014356 .00013671 5.24% 4.99% $4.40 $4.39 Recreaeonal Vehicle: NevoUsed (2) Loan amount $15,000 and up 84 .00024384 8.90% WA $1.60 N/A Loon amount $8,000 - 14,999 60 .00024384 N/A 8.90% WA $2.07 WA Loan amount $5,000. 7,999 48 .00024384 N/A 8.90% N/A $2.48 WA Loan amount $3,000 - 4,999 36 .00024384 N/A 8.90% WA $3.18 N/A IRA Loan (3) 12 2.0 .00008877 WA 3.24% NIA $8.49 N/A Sham Loan (3, 4) Up to $1,000 19 2.0 .00008877 N/A 3.24% WA $5.41 N/A $1,001 - $4,000 48 2.0 .00008877 N/A 3.24% WA $2.23 N/A Over $4,000 tons year / s 1.000 up 120 2.0 .00008877 WA 3.24% N/A $0.98 N/A to a mmemum at 10 years.) Certificate Loan (3, 4, 5) sea dadavr o 2.0 sue dacbsuru N/A vas dxk- N/A N/A Personal Service Laan(PSL)(6) 77 .00035342 WA 12.9% N/A N/A Personal Service up to 65 .0002712 N/A 9.90% NIA N/A Signature Loan (PSSL) months Automatic a Tnteet Sarviu (rte: order to quality for the :25%re fuciion, of thi time tlw loan is set up; you must select to have your vehicle. loan Payments -made via an automatic service: Automatic Transfer Service, Payroll Deduction, !rash (Includes psecugCome® and Self Service 16hiphone), Wire Transfer, and Direct Payment if you remove, disconfinue, change. or postpone the automatic tr ntf tr atany time after your loon: is setup, your interest rate will immediately be increased by.25% (as of the date of youelattpayment) for any outstanding, balance art the loan, if your interest fate it increased due to any of time reasons, your loan payment amount will remain the same, hovmver the term of your,lodrwill be extended for the oppropr cite amount of time until all interest, principal, and fees have.been paid.accordlip 1o yovr Plon. PSEC0 P.O. Box 67013, Harrisburg, PA 17106-7013 PSL Minimum Payment Ranges (p2r thousand po rtion thereofl•• FIRST PAYMENT: Your first payment is due and payable within 30 days from the date of the loan advance. Minimum Monthly Minimum Biweekly Loan Balance at Time of Advance Payment Payment 19,000.01 to 20,000.00 400 200 18,000.01 to 19,000.00 380 190 17,000.01 to 18,000.00 360 180 16,000.01 to 17,000.00 340 170 15,000.01 to 16,000.00 320 160 14,000.01 to 15,000.00 300 150 -- 13,000.01 to 14,000.00 280 140 12,000.01 to 13,000.00 260 130 11,000.01 to 12,000.00 240 120 10,000.01 to 11,000.00 220 110 91000.01 to 10,000.00 200 100 8,000.01 to 9,000.00 180 90 7,000.01 to 8,000.00 160 80 6,000.01 to 7,000.00 140 70 5,000.01 to 6,000.00 120 60 4,000.01 to 5,000.00 100 50 3,000.01 to 4,000.00 80 40 2,000.01 to 3,000.00 60 30 1,000.01 to 2,000.00 40 20 Up to1,000.00 20 10 "Personal Service Signature Loan Minimum Monthly Payment: $100 for original balances from S 1,000 - $5,000, $200 for original balances from $5,000.01 -$10,000 Visa Disclosures Finance Charge: Finance Charge (interest) is calculated at the monthly periodic rate and corresponding annual percentage rate on the average daily balances of purchases and cash advances as described below: ?ft W4, `3 a 60 M} Pet enlu_ a Rafe 9.9% jiyChetks} ... t.,. b0.._: __. .LRbPercerlt7l¢tS.Rate?99% Minimum Payment: The minimum monthly payment will be either (a) 2.0% of your total new balance or $20.00, whiche greater; or (b) your total new balance if it is less Phan $20.00, plus (c) any portion of the minimum poyment(s) shown on prior statement(s) which remains unpaid. Collection Costs: You promise to pay all fees and costs associated with collecting the amount you owe under this agreement. Such fees shall include, but are not limited to, attorney fees not exceeding 20% of the outstanding loan balance or, fees paid to outside collectors or outside collection agencies, provided the aggregate of such collection fees (not including costs) do not exceed 20% of the outstanding loan balance. Late Charge: You promise to pay o late charge of $20 if your Minimum Payment is not received by the first day of the month following your due date. Overdraft Option: If you elect to overdraft to your PSECU Visa Credit Card, that election is subject to the existing credit limit, this addendum and the agreement it represents and the current loan policy at the time of the overdraft. You also understand that an overdraft will be considered the same as a cash advance on your PSECU Visa credit card and that the current annual percentage rate for cash advances will apply. TELEPHONE INFORMATION AND MAILING ADDRESS: For all purposes as referenced in the Viso Credit Cord Agreement and Truth in Lending Disclosure, toll PSECU at 717.234.8484 in Harrisburg or 800.237.7328 nationwide, or write the Credit Union at: PSECU, P.O. Box 67013, Harrisburg, PA 17106-7013. Psnmylvonla State Employees Credit Union Form #3100 7107 Credit Lffe and Credit Disability Insurance (aeerad throoeh cuNA mutual lmurwrd secloly) CUNA Mutual Insurance Society Credit Ufe Insurance (cost per $100 of monthly loan balance): Single Credit Life $.070 5910 Mineral Point Road, Joint Credit Life 5.123 Madison, Wisconsin 53701 Credit Disability Insurance: The Schedule of Rates shown below are gross balance rates. This means the rotes are applied to the sum of the periodic loan payments which remain to be paid on your loon. The rate we use is determined by the projected loan term of your loan (See your loan plan to find the projected term of your loan). For example, if the eded term of your loan is 24 months and the benefit plan is a 14 day non retroactive, the rate for the term is .2950 per Sa1' 0 of gross balance. H the amount of your periodic loan payment is 5100, the gross balarxs of your loan during the first month of ur loan is 52,400_(24 x $ 100). Our charge to you for insurarxe for the first month o4 your loan tens would be 52,400 x .2950 x 0.01; w 57.08. After you - have made your first 5100 periodic loan payment, the gross balance of your loan would then be $2,300 (23 x 5100) and our charge to you for your insurance for the accord month would be $ 2,i0 x .2950 x 0.01, or 16.74 etc. The charges we actually make to you for your insurance are shown in your periodic statement which you receive from PSECU. Please remember, whenever you add a new advance to YYour loan, you recast the loan and a new projected loan term is determined according to your loan plan. Please note also thof if the amount of your periodic loon payment is greater than the maximum benefit per month shown in the insurance schedule of your certificate of insurance, our chargge to you is based on the sum of the maximum benefits per month times the number of periodic loan payments remaining to be id on your loon. For example, if your periodic loon payment is $400 and the maximum benefit per month is $300 and you have 24 payments remaining to be poi d, the gross balance of your loan for purposes of this insurance would be $7,200 (not $9,600) and our charge to you for insurance the first month would be $21.24 ($7,200 x .2950 x 0.01). Pennsylvania Monthly Renewable Credit Disability - Disdosure Rates Per 5100 of Coverage Per Month IERM Mu MIN BAIE IM BALE Ulm BRIE 1 0.0000 31 0.2561 61 0.1791 91 0.1485 2 0.0000 32 0.2519 62 0.1783 92 0.1480 3 0.0000 33 0.2479 63 0.1766 93 0.1468 4 0.5395 34 0.2443 64 0.1753 94 0.1460 5 0.5627 35 0.2408 65 0.1742 95 0.1454 6 0.5796 36 0.2367 66 0.1730 96 0.1449 7 0.5372 37 0.2322 67 0.1716 97 0.1442 8 0.5070 38 0.2300 68 0.1700 98 0.1438 9 0.4804 39 0.2260 69 0.1695 99 0.1428 10 0.4587 40 0.2234 70 0.1681 100 0.1422 11 0.4407 41 0.2203 71 0.1667 101 0.1418 12 0.4254 42 0.2180 72 0.1658 102 0.1411 13 0.4069 43 0.2152 73 0.1645 103 0.1405 14 0.3924 44 0.2125 74 0.1633 104 0.1396 15 0.3784 45 02099 75 0.1624 105 0.1391 16 0.3643 46 0.2074 76 0.1613 106 0.1387 17 0.3548 47 0.2056 77 0.1605 107 0.1379 18 0.3448 48 0.2028 78 0.1593 108 0.1375 19 0.3346 49 0.2012 79 0.1583 109 0.1370 20 0.3242 50 0.1985 80 0.1573 110 0.1365 21 0.3171 51 0.1966 81 0.1565 111 0.1362 22 0.3083 52 0.1947 82 0.1556 112 0.1355 23 0.3013 53 0.1934 83 0.1545 113 0.1352 24 0.2950 54 0.1910 84 0.1539 114 0.1347 25 0.2882 55 0.1889 85 0.1530 115 0.1342 26 0.2817 56 0.1878 86 0.1521 116 0.1336 27 0.2759 57 0.1858 87 0.1514 117 0.1333 28 0.2713 58 0.1837 88 0.1507 118 0.1327 29 0.2670 59 0.1828 89 0.1498 119 0.1320 30 0.2614 60 0.1809 90 0.1493 120 0.1316 Loan Disdosures Late Charge: If you are more than 15 days late in making a payment, you will pay a late charge equal to five percent of the scheduled payment. Collection Costs: You promise to pay all fees and costs associated with collecting the amount you owe underthis agreement. Such fees shall include, but are not limited to, attomey fees not exceeding 20% of the outstanding loan balance or, fees paid to outside collectors or outside collection agen- cies, provided the aggregate of such collection fees (not including costs) do not exceed 20% of the oufatandin? loon balance. _ notes: _. ___ ... _-_-. _... -_ . _ _... _. __ .___.... _. -..... _ _.... ___ _..... _._ ?__? _ _ (1) At the current interest rate, PSECU will finance up to 100% of the Manufacturer's Suggested Retail Price (MSRP) of a new, current model year vehicle (untitled); up to 100% of the retail value of a new, prior-year vehicle (untitled); or up to 100% of the retail value of a used motor vehicle (titled.) Atthe current interest rate plus one percentage point, PSECU will finance over 100% and up tol 30% of the MSRP of a new, current model year vehicle (untitled); over 100% and up to 130% of the ret- '-- value of a new, prior-year vehicle (untitled); or over 100% and up to 130% of the retail value l used motor vehide (titled). Maximum financing for a member-owned vehicle or refinancing an existu ra PSECU loan is 100% of the retail value. For used and prior-year new vehicles, PSECU consults the Kelley Blue Book® (registered trademark of Kelley Blue Book, Co., Inc.) or other authorized guides to determine value. Vehicle loons cannot be used to purchase commercial, theft, salvaged or flood titled vehicles. The vehicle must be titled to the Borrower, Co-Borrower or both. The registered owner on the Certificate of Title may not be a business, corporation or trust entity. Vehicles must have a minimum value of $3,000 and must be titled in the U.S. and may not be taken out of the U.S. (2) PSECU will finance up to 90 percent of the retail value of a new (untitled, current model year) reaeationol vehide. Used (titled) recreational vehicles may be financed up to 90 percent of the used retail value. The Kelley Blue BookO or other authorized guides will be used to determine the recre- ational vehide4 retail value. PSECU's minimum RV loan is $3,000. Your RV must have a minimum retail value of 531,333. (3) The Annual Percentage Rate (APR) for share secured and IRA advances will be the dividend rate being paid on regular shares (Index) on the date of the advance plus the percentage shown in the 'Percent Above Index column. If there is on existing balance on the date of the new advance, the existing balance will be added to the new advance and the entire balance will be at the new APR. The rates are subject to change to reflect any change in the index. Any increase in the APR will take the form of more payments of the some amount until what you owe has been repaid. Loan rates on Certificate and IRA loans will not fluctuate during the course of the loan. (4) Shares or certificates pledged must be owned by the Borrower or Co-Borrower unless the Sl or Certificate owner authorizes the pledge in writing. (5) PSECU will grant loans secured by Share Certificates. Maximum financing is 90% of the Certifi- cate. pledged. The Annual Percentage Rate (APR) for Certificate loans secured by multiple certificates will be based on the certificate eaming the greater dividend. The term for Certificate loans secured by multiple certificates will be limited to the longest term remaining among them. Early withdrawal of the unsecured portion is not permitted and the loan balance will be due in full if the Certificate is withdrawn prior to maturity. Monthly dividends are paid into the Certificate. At maturity, you authorize PSECU to redeem the Certificate to pay any remaining loon balance. Funds remaining after repayment of the loon will be deposited to Regular Shores if you do not contact PSECU on or before the maturity dote. Automatic renewal of the Certificate pledged cannot occur until the loan balance is paid in full. (6) If you hove been approved for credit under this account, you will be given a specific credit limit. This cradx union is federally insured 6y t6 National Credil Union Administration. Equal Oppodunity under EXHIBIT "B" 3542859_1 II 1 _?? 575 j 1rr n 1 'l >< ?r "`s? ??1 r ftl _ C, •?_? r vm r_p1 _3 sis CERTIFICATE OF TITLE FOR A VEHICLE 102669999006010-001 3GCEK13M78G194036 VEHICLE IDENTIFICATION NUMBER TK 0 BODY TYPE DUP SEAT CAP 20081 CHEVROLET YEAR MAKE OF VEHICLE 1 6/25/09 PRIOR TITLE STATE ODOM. PROCD. DATE 5-v640 i 7,000 WEIGHT UNLADEN 5/07/08 i 6/25/09 TITLED DATE PA REGISTERS) OWNER(S) KELLY H BUSLER ---- 301 YESTVIEW DR MECHANICSBURG PA 17055 FIRST LIFN FAVOR OF, PSECU FIRST LIGN RELEASED DATE SECOND LIEN FAVOR OF', If a second lienholder is listed upon safisfacliun of the final lien, the first lianhuld,v must for-I this Tillo to the Bureau of Motor Vohicles Mill the appropriate form and fee. BY RF:COND I_1011 RELEASED AUTHORIZED REPRESENTATIVE MAILING ADDRESS BY AUTHORIZED REPRESENTATIVE PSECU iRS, P 0 BOX 67013 HARRISBURG PA 17106 "fi 0 pennsytvania DEPARTMENT OF TRANSPORTATION S It lit r ?I 1 1 ?'- 1 Uri; rr.: of the dal. M He nll:aial records of the Plnnsyb:dnr., IJ.p:uhnent ALLEN D BIEHLER - _ N Tian rl:•`d:rin'.n :ollua Il;al the pac;un(::) „r (:ompnny oarnud Ireriain m Ihr' ia•.Vlnl ovnn-r I ' S, u•: i:vp ui' "fl:urspnrtaliou -? :, s I ' •EU qr. S1VORh1 Il a u l,w llisLr nM;N than VOW spousc• I:, li led and you want the title to .: i_ .Ii?HEPIF' DO 11;toc'. o.. our i Teh,rut, b•lill: ffight of SurrcvDlsh h' (On death of one hilt g- to survrvi. y u •nnrl CHECK FIERF 0. Othenvise, the title I. ic>.: .. 1 c'ud : n ?:Or i•i•,n (r-v' Jof ena rwner, intr-re St of ? I I 1j,", s r l ji-:; or s;L_; ?' . ? rlfl T. r, 11Rt f `n-'. I`I;1: it_I1 t.: GO . C] CD v !-! 1 .. , , :I .', fl .1 -i-I lh f .: 1 . .. ?. .: ?. ,r• .fir DATE STATI ZIP 65949248103 BU TITLE NUMBER 005936! 0 ODOM. RULES I ODOM. STATUS GCWR I TITLE BRANDS ODOMETER STATUS D ACTUAL MILEAGE I = Mil EAGE EXCEEDS THE MECHANICAL LIMITS 2s NOT THE ACTUAL MILEAGE 3 = NOT THE ACTUAL MILEAGE-ODOMETER TAMPERING VERIFIED A . EXEMPT FROM ODOMETER DISCLOSURE TITLE BRANDS A = ANTIQUE VEHICLE C .: CIAM"IC VEHICLE D = COLLECTIBLE VEHICLE F = OUT OF COUfdTRY G . ORIGINALLY MFGO. FOR NON-U.S. DISTRIBUTION H = AGRICULTURAL VEHICLE L = LOGGING VEHICLE P = ISANAS A POLICE VEHICLE R = RECONSTRUCTED S = STREET ROD RECOVERED THEFT VEHICLE V = VE141CLE CONTAINS REISSUED VIN W = FLOOD VEHICLE X = ISANAS A TAXI (TYPE OR PRINT) Certifica ?1 Title must be submitted within 20 days, Unless the purc,. .. is a registered dealer holding the vehicle for resale. ! FEDERAL AND STATE LAWS REQUIRE THAT YOU STATE THE MILEAGE IN CONNECTION WITH THE TRANSFER OF OWNERSHIP. FAILURE WARNING- TO COMPLETE OR PROVIDING A FALSE STATEMENT MAY RESULT IN FINES OR IMPRISONMENT. Regisbred... nxei -Pwle I- ttvT.A w mms LAST FIRST MIDDLE NAME A.1 ASSIGNMENT OF TITLE - nmgviedbylan•.Irlxe"Wris NOT e,eglneed dealer. Section D on Me Irexx of me ki m must be c W. PURCHASER OR FULL to the best of my/our knowledge that the odometer reading is VWe certify BUSINESS NAME , TENTHS fl h l il f th hi l X i CO-PURCHASER les and re ects t m e ve m e actua eage o c e, - - --- _ _ STREET unless one of the follotling boxes is checked: ADDRESS Reflects the amount of mileage ? Is NOT the actual mileage - CITY in excess of its mechanical limits WARNING: Odometer discrepancy VWe further certify that the vehicle Is free of any encumbrance and that the ownership is hereby PURCHASE PRICE transferred to the person(s) or the dealer listed. STATE ZIP OR DIN SUBSCRIBED AND SWORN TO BEFORE ME: MO. DAV YEAR PURCHASER SIGNATURE SIGNATURE OF PERSON ADMINISTERING OATH CO-PURCHASER SIGNATURE J PURCHASER AND/OR Q CON-PU offliAn' RCHASER AR E HER I (1) O SIGNATURE OF SELLER a SIGNATURE OF CO-SELLER Q F.. SELLER AND/OR CO-SELLER MUST - HANDPRWT NAME HERE B. K-ASSIGNMENT i REGISTERED DEALE of this form, must be a I/We certify, to the best of my/our knowledge that the odometer reading Is LAST FIRST MIDDLE NAME TENTHS X miles and reflects the actual mileage of the vehicle. PURCHASER OR FULL BUSINESS NAME unless one of the following boxes is checked: ,. Reflects the am- of mgeage ? Is NOT the actual rill a - C0.PURCHASER in axcese of is mecfrenM.al Iknits WARNING: Odometer discrepancy STREET IANe further car* That the vehicle Is free of any encumbrance and that the ownership Whereby ADDRESS transferred to the person(a) or the dealer listed. cm SUBSCRIBED AND SWORN TO BEFORE ME: STATE ZIP PURCHASE PRICE MO. DAY YEAR OR DIN SIGNATURE OF PERSON ADMINISTERING OATH PURCHASER SIGNATURE J a W CO-PURCHASER SIGNATURE (n PURCHASER AND/OR [[ CKA ER MHST CO -PU R ' P R R O a Q SIGNATURE OF SELL ER HANO ?M U) ND NAME HERE i/We celgty, to the best of my/our knowledge Mat the odometer reading Is LAST FIRST MIDDLE NAME TENTHS X miles and reflects the equal mileage of the vehicle, PURCHASER OR FULL BUSINESS NAME unless one of the following boxes is checked: O Reflects the amount of mileage ? Is NOT Ilne actual mileage CO-PURCHASER in excess of its mechanical limits WARNING: Odometer discrepancy STREET I/We further certify that the vehicle is free of any encumbrance and that the ownership Is hereby ADDRESS transferred to the person(s) or the dealer listed. CITY SUBSCRIBED AND SWORN TO BEFORE ME: STATE ZIP PURCHASE PRICE MO. DAY YEAR OR DIN _ SIGNATURE OF PERSON ADMINISTERING OATI4 PURCHASER SIGNATURE J Q W CO-PURCHASER SIGNATURE PURCHASER AND/OR 11 N CO-PURCHASER MUST Q HANDPRINT NAME HERE 0- Q SIGNATURE OF SELLER SELLER MUST HANDPRINT NAME HERE e t o s • 2b;. , WE I/We certify, to the best of my/our knowledge that the odometer reading is LAST FIRST MIDDLE NAME TENNdS X miles and reflects the actual miloage of the vehicle, - PURCHASER OR rUU, r OU11NESS NNtC unless one of the follrrning boxes is checked: Rellecls the anounl of mileage Is NOT the actual mileage CO-PURCHASER In excess of its mechan'r_al limils WARNING: Odometer dmerepanc`" STREET I/We lufter certify that the vehicle is Iree of any encumbrance and Plot the Ownership in hereby I ADDRESS transferred to the person(s) or the dealer listed. - CITY --- - - -- SUBSCRIBED AND SWORN TO BEFORE ME: 3TA TE ;P PURCHASE PRICr_ MO. DAY YEAP Oli DIN 1I:ir1.iTURE OF PARS ?N ADI.IINISTFHINC 04TH PCIRCHASFR SIGNATURE u Cf) CO-PURCHASER SIGNATURE m PURCHASER A^ID/OR o ['[ CO-PURCHASER MUST N O HANDPRINT NAME HERE o_ LL a j Q SIGNATURE OF SELLER SELLER MUST ' HANDPRINT NAME HERE I F](-HPCIC HFRF IF APPLICATION FOR DFALFR TIT[ IF AN171 COMPI FTF RFCTITS n TITI INr FFFS S D O CD CD O_ fv 7 c u] W ra S' CD to CD f1 O lu (D n CD CL CD O (D Q CD CD N N NCn tv CD CA 0 w CL O n CD w c' n C N Lin W CD CD (D N N w m w ID O 7 L t0 w_ c m EXHIBIT "C" 3542859_1 PSECO 07/15/2010 Via Certified and First Class Mail KELLY H BUSLER 301 WESTVIEW DR MECHANICSBURG, PA 17055-5759 NOTICE OF REPOSSESSION AND RIGHT TO REDEEM You are hereby notified that your 2008 CHEVROLET SILVERADO VIN#: 3GCEK13M78G194036 has been repossessed by the Pennsylvania State Employees Credit Union ("PSECU"). You have failed to pay the 05/23/2010 installment due under the above Loan and Security Agreement (the "Contract"). The motor vehicle is currently being stored by: Richard & Associates, 3999 Spring Rd., Shermans Dale, PA 17090 (717) 241-5884. You may redeem the motor vehicle and terminate the Contract by paying the following amounts on or before 5:00 p.m. on 07/29/2010. Unpaid principal balance Accrued Interest $34,702.70 $291.97 ADDITIONAL COST IF REPOSSESSED MORE THAN 15 DAYS AFTER DEFAULT Repossession Expense $350.00 Storage expense @$20 per day(7/14/10-7/30/10) $340.00 Late Fees $59.04 Total Cost to Redeem $35,743.71 Payment to redeem must be in cash, certified funds or a cashier's check We will sell the 2008 CHEVROLET SILVERADO at private sale sometime after 07/30/2010. The money that we get from the sale (after paying our costs) will reduce the amount you owe. If we get less money than you owe, you will still owe us the difference. If we get more money than you owe, you will get the extra money unless we must pay it to someone else, or use it to pay other loans you owe to PSECU. You can get the property back at any time before we sell it by paying us the full amount you owe (not just the past due payments), including our expenses. If you want us to explain to you in writing how we have figured the amount that you owe us or you need more information about the sale, you may call us at (717) 234-8484, ext. 3116 or (800) 237-7328 or write us at PSECU, P.O. Box 67013, Harrisburg, Pa. 17110-2990, and request a written explanation. You should also contact us if you are unable to pay the foregoing amount in full prior to the above deadline. PSECU mav allow you to reinstate your loan, if you qualify, upon payment of the arrears and additional costs only. We are sending this notice to the following other people who have an interest in the collateral listed or who owe money under your agreement: (Names of all other debtors and obligors, if any) You have 30 days to make arrangements to take possession of the personal effects found in the vehicle. Failure to recover them in this time period will result in disposal of such personal effects. Sincerely, Lisa Reeser Account Advisor Pennsylvania State Employees Credit Union Main Address:1 Credit Union Place, Harrisburg, PA 17110-2990 • 717.234.8484 • 800.237.7328 Mailing Address: P.O. Box 67013, Harrisburg, PA 17106-7013 • 717.777.2100 (TDD) • 800.472.1967 (TDD) psecu.com This credit union is federally insured by the National Credit Union Administration. Equal Opportunity Lender ¦ Complete items 1, 2; and 3. Also Complete Item 4 If Restricted Delivery is desired. ¦ Print your nerve and address on the reverse t so that we ca r t n e urn the card to you. i ¦ Attach this card to the back of the mallpiece, by ( ) C. or on the front if space permits. 1. Article Addressed to: D.9 live ry add from item i? 0 Yes V If YES, enter deli ery address below: 0 No -- iu?lliu?lllunl?lniriul?l?lu????rl?l?lul?nnn??? l r Kelly H Busler . 3. Service lype 301 Westview Dr. 0 Certified Mall 0. Express Mali Mechanicsburg, PA 17055-5759 o nsu? dmail ?0 Return C.O.D.R ptforMerchandlae _-_ i 4. Regtricted Delivery? (Exha Fee) ? -Yes; 2. Article Number 7005 (liwxvwfrom seNrce k"O 1820 0007 4183 5425 PS Form 3811, February 2004 Domestic Return Receipt ?o2sas e2 r1 7005 1820 0007 4183 e4 ?oX- w M,CD © 0 0) _ _ if II -nil ? 3 i if C C (D D CP CD D 0 'n = o 0106" 4 (O - r l SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff OF;:I(;E fi -QRIFF Jody S Smith Chief Deputy Richard W Stewart Solicitor YrL,112 JaJ 119 AM 8: f 'JMBER1..A'.I) is U"U ? `. Pennsylvania State Employees Credit Union vs. Case Number Kelly H. Busler 2012-3696 SHERIFF'S RETURN OF SERVICE 06/15/2012 04:25 PM - Ryan Burgett, Deputy Sheriff, who being duly sworn according to law, states that on June 15, 2012 at 1625 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Kelly H. Busler, by making known unto herself personally, at 301 Westview Drive, Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and at the same time handing to her personally the said true and correct copy of the same. ff:;?D - RYAN BURGETT, DEPUTY SHERIFF COST: $38.00 June 18, 2012 SO ANSWERS, RON R ANDERSON, SHERIFF !c't GountySuite Sheriff. Teleasoff, In(-, PENNSYLVANIA STATE EMPLOYEES, CREDIT UNION, Plaintiff VS. KELLY H. BUSLER, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA 2012- 3696 CIVIL ACTION - LAW NOTICE TO PLEAD ti c TO: Pennsylvania State Employees Credit Union .. ; (PSECU) C BARLEY SNYDER c a co ? c y Shawn M. Long, Esquire z" xs r 126 East King Street Lancaster, PA 17602-2893 -<F co YOU ARE REQUIRED to plead to the within Preliminary Objections of Defendant Kelly H. Busler within 20 days of service hereof or a default judgment may be entered against you. June 28, 2012 By: A dre?a C. Sheely, Es Pa. ID No. 62469 127 S. Market Street P.O. Box 95 Mechanicsburg, PA 17055 717-697-7050 Attorney for Defendant Andrew C. Sheely, Esquire 127 S. Market Street P.O. Box 95 Mechanicsburg, PA 17055 PA ID NO. 62469 717-697-7050 (Phone) 717-697-7065 (Fax) andrewc.sheely@verizon.net PENNSYLVANIA STATE EMPLOYEES, CREDIT UNION, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA 2012- 3696 CIVIL ACTION - LAW VS. KELLY H. BUSLER, Defendant PRELIMINARY OBJECTIONS OF DEFENDANT KELLY H. BUSLER Defendant, Kelly H. Busler, by.and through counsel of Andrew C. Sheely, Esquire, hereby files these preliminary objections to Plaintiff's Complaint and states as follows: 1. Defendant, Kelly H. Busler is a named defendant in the above-captioned matter. 2. Plaintiff's complaint is in the nature of allegations of a breach of contract action by Defendant Busler. 3. Plaintiff's complaint attaches a copy of a general loan disclosure form as Exhibit "A", a copy of vehicle title as Exhibit "B" and a Repossession Notice as Exhibit "C". 4. Plaintiff's complaint fails to attach any agreement executed by Defendant supporting any allegation of breach of agreement as required by Pa. R.C.P. No. 1019(i). 5. Plaintiff's complaint fails to attach any document or reference any paragraph therein supporting Plaintiff's claim for attorney fees as set forth in paragraph 8 of Plaintiff's complaint. 6. Plaintiff's complaint fails to attach any document or reference any paragraph therein supporting Plaintiff's claim for collection fees as set forth in paragraph 8 of Plaintiff's complaint. 7. Plaintiff's complaint fails to allege whether or not the demands for relief are within local arbitration limits as required by Pa. R.C.P. No. 1021. 8. Plaintiff's complaint should be dismissed in its entirety pursuant to Pa. R.C.P. No. 1028(a)(6) as a result of the pending action at 12-1377 pending before this Court. 9. Plaintiff's Complaint fails to comply with Pa. R.C.P. No. 1028 (a)(2) by improperly raising additional claims for special damages including collection fees and attorney fees in paragraph 8 as opposed to setting forth separate counts for each claim in the complaint as required by Pa. R.C.P. No. 1020. 10. Plaintiff's Complaint fails to comply with Pa. R.C.P. No. 1028 (a)(2) as referenced in paragraph 4 above by failing to attach required written documents and by attaching impertinent documents to the Complaint as Exhibits' "B" and "C". WHEREFORE, Defendant, Kelly Busler, hereby respectfully requests that this Honorable Court direct that Plaintiff amend its Complaint so as to comply with the Rules of Civil Procedure and separate its claims in separate counts, all as required by the Rules of Civil Procedure set forth above, or in the alternative, dismiss the Complaint as improperly filed. Respectfully submitted, 74e,A-eg ) June 2g, 2012 By: Andrew C. Sheely, Esquire Pa. ID No. 62469 127 S. Market Street P.O. Box 95 Mechanicsburg, PA 17055 717-697-7050 Attorney for Defendant, Kelly H. Busler 3 VERIFICATION I verify that the statements made in this Preliminary Objections of Defendant are true and correct. I understand that false statements herein are made subject to penalties of 18 Pa.C.S.A. Section 4904, relating to unsworn falsification to authorities. Date: June 2-40 , 2012 lly H./ Btisl?er 4 CERTIFICATE OF SERVICE I, Andrew C. Sheely, Esquire, hereby certify that I am this day serving the foregoing Preliminary Objections of Defendant upon the following named individual this day by depositing same in the United States Mail, First Class, postage prepaid, at Mechanicsburg, Pennsylvania, addressed as follows: BARLEY SNYDER Shawn M. Long, Esquire 126 East King Street Lancaster, PA 17602 Date: June g. 2012 4A' ...- Akrew Sheely, Esquire 5 BARLEYSNYDER Shawn M. Long, Esquire Court I.D. No. 83774 Matthew M. Hennesy, Esquire Court I.D. No. 307020 126 East King Street Lancaster, PA 17602 (717) 299-5201 PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff c-7 C ? ... 3 M. ?a C rl '??3 C Gtr ' T1 =C:) Attorneys for Plaintiff Pennsvlvania State Emnlovees Credit IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW V. KELLY H. BUSLER, Defendant No. 12-3696 NOTICE TO DEFEND Pursuant to PA RCP No. 1018.1 YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be against you by the Court without further notice to you for any money claimed in the 35428591 or for any other claim or relief requested by Plaintiff(s). You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LA IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Lawyer Referral Service 32 South Bedford Street Carlisle, PA 17013 800.999.9108 35428591 BARLEYSNYDER Shawn M. Long, Esquire Court I.D. No. 83774 Matthew M. Hennesy, Esquire Court I.D. No. 307020 126 East King Street Lancaster, PA 17602 (717) 299-5201 PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff Attorneys for Plaintiff Pennsvlvania State Emnlovees Credit IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW V. KELLY H. BUSLER, Defendant No. 12-3696 AVISO PARA DEFENDER Conforme a RCP No. 1018,1 del PA LE HAN DEMANDADO EN CORTE. Si usted desea defender contra las demandas dispuestas en las paginas siguientes, usted debe tomar la accion en el plazo de veinte (20) dias despues de esta queja y el aviso es servido, incorporando un aspecto escrito personalmente o el abogado y archivando en escribir con la corte sus defensas u objeciones a las demandas dispuestas contra usted. Le advierten que si usted no puede hacer asi que el caso puede sin usted y un juicio se puede incorporar contra usted por la corte sin aviso adicional a usted cualquier dinero demandado en la queja o para cualquier otra demanda o relevacion pedida Plaintiff(s). Usted puede perder el dinero o la caracteristica u otra endereza importante a usted. 3542859_1 USTED DEBE LLEVAR ESTE PAPEL SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE Un ABOGADO, VAYA A O LLAME POR TELEFONO La OFICINA DISPUESTA ABAJO. ESTA OFICINA PUEDE PROVEER De USTED La INFORMACION SOBRE EMPLEAR A un ABOGADO. SI USTED NO PUEDE PERMITIRSE AL HIRE A un ABOGADO, ESTA OFICINA PUEDE PODER PROVEER DE USTED LA INFORMACION SOBRE LAS AGENCIAS Q LOS SERVICIOS JURIDICOS de la OFERTA de MAYO A LAS PERSONAS ELEGIBLES EN Un HONORARIO REDUCIDO O NINGUN HONORARIO. Cumberland County Lawyer Referral Service 32 South Bedford Street Carlisle, PA 17013 800.999.9108 35428591 BARLEY SNYDER Shawn M. Long, Esquire Court I.D. No. 83774 Matthew M. Hennesy, Esquire Court I.D. No. 307020 126 East King Street Lancaster, PA 17602 (717) 299-5201 PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. KELLY H. BUSLER, Attorneys for Plaintiff Pennsvlvania State Emplovees Credit IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 12-3696 Defendant AMENDED COMPLAINT 1. Plaintiff, Pennsylvania State Employees Credit Union ("PSECU"), is a Pennsylvania financial institution having an office at One Credit Union Place, Harrisburg, Pennsylvania 17110. 2. Defendant, Kelly H. Busler, is an adult individual with a last known address of 301 Westview Drive, Mechanicsburg, PA 17055. 3. On or about June 23, 2009, Defendant entered into a Loanliner Credit and Security Agreement and Loanliner Addendum (the "Agreement ") with Plaintiff for the of a 2008 Chevrolet Silverado, VIN #3GCEK13M78G194036 (the "Vehicle"). A true and 35428591 correct copy of the Agreement is attached hereto as Exhibit "A" and incorporated herein by reference. 4. The loan disclosures included the Loanliner Credit and Security Agreement and Loanliner Addendum states "[y]ou promise to pay all fees and costs associated with collecting the amount you owe under this agreement. Such fees shall include, but are not limited to, attorney fees not exceeding 20% of the outstanding loan balance...." 5. Plaintiff s perfected security interest in the Vehicle is evidenced by a Commonwealth of Pennsylvania Certificate of Title (the "Title"), a true and correct copy of which is attached hereto as Exhibit "B" and incorporated herein by reference. 6. Defendant defaulted under the Agreement by failing to pay the monthly when due and is currently due for the months of May 23, 2010 and thereafter. 7. Based on Defendant's default, Plaintiff repossessed the Vehicle on or about J 14, 2010. 8. By letter dated July 15, 2010, Plaintiff provided Defendant with Notice of Repossession and Right to Redeem (the "Notice"), a true and correct copy of which is hereto as Exhibit "C" and incorporated herein by reference. 9. Defendant remains liable to Plaintiff under the Agreement as follows: Principal $10,242.67 Collection/Attorneys' Fees 1,200.53 TOTAL $11,443.20 plus costs of suit. 10. The total amount in controversy is less than Fifty Thousand Dollars exclusive of interest and costs, and therefore is within local arbitration limits. 35428591 2 11. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., Defendant may dispute the validity of the debt or any portion thereof. If Defendant does so in writing within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will obtain and provide Defendant with written verification thereof; otherwise, the debt will be assumed to be valid. Likewise, if requested within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will send Defendant the name and address of the original creditor if different from the above. WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union demands j in its favor and against Defendant, Kelly H. Busler, in the amount of $11,443.20, and costs of suit. BARLEY SNYDER By: Shawn M. Long, Esquire Court I.D. 83774 Matthew M. Hennesy, Esquire Court I.D. 307020 126 East King Street Lancaster, PA 17602-2893 717.299.5201 Attorneys for Plaintiff 35428591 EXHIBIT "A" 3542859_1 06/ 21 / 2009 23:08 7177. .54 LAWRENCE OEVROLi PAGE 03r 12 Pw Application, Credit Agreement, . and security Agreement lkmt Co•A mans RDLLY H SUBL&R WA Ca-AppllestttNar" AppNea tNesse XXX7gGfi014 9asR0l OonOy Nanbar X68 Bulb DOA WA Sad d Smrvy Nadw "001185415 350 WA 6,11srePWaw WorkIM02a Houle Move Addresa Line is 301 NBS7'VIHW tNtVII AddrW Live It WA Adda" Llro 9s City: mm"AMC9BiIR0 States PA ZIN 17059 Tbns nt Preaeat Addtwx 10 Yore 0 blettdts 11ntdop TANI Own -tats FI0tslOK Paymot t54&0 Muphyer; PIZZA MULLE TM*: MANAMM Tulsa at S=PkYart 3 Yon 0 Months Annuallswineffa WA Bkth Daft WA wN t Phone Addr" Lim 21 WA Car NIA Statu NIA ZIP: WA Time st PreFM Addtesa: WA Yvan IVA U41111Na HaostaR1'Jp4 VA Hosshts byMMU iMlA 6momn N/A THW WA Thw at Empbtysrt N/A Yeast N/A Months AnmW Inaattttes iN/A ODtar Avow bwotses AMMM Otkar Anrnsi if winsat i WA AMargo 0z-k.;; Alb.mkdtkfaq?peNa+?prer¦aa0rrrmmeekxareenaadawdr,nkaAtd(ryeu??eetwgAlo AAIaas7+ nwhdww.txareeednorio s+mWir as Max Sa wdeferrJG yo+aeeolodwrlncor+ot COD SUPPOU ?A-A* obl dew or dw"t% ehkid arppert or OttfO ogr&arden d ptgimertst 4 CheaiinA7t tea 0wvh e7t tmo Bsnkrttptoy in the lot fiveyoaesi fain citktanship iStato: US Cidwo sot m arother Intomaa NIA orooherrworrWrdsva ? 4: WA ?PPOM ChaefWaN/A 8wln4jsrtrl/A DtMAKrsPtayto tba btst live years? N/A Ctdaooshfp 8tatwa N/A ITotat A1sfIaltRRgsaMedt S3ah9932 Rapeylnast itfedMOd: Sahaddod Attso 7'LOPSta I10paymart Iorefpeopey: twoetdtty toter"iftiot IAN % Tww: a4Pa re_ -- fi U I t Read tia L dfsNaemp Preaed Aasondift by fJk dtedrSRtr? Plemss4ae aad deim Y0r praedsa list arcryWag yas btaa s+ard to efts spp8atdaaktedt tytlsta k aanaat to dA bast of Yw Mtadodp. Vtham"my tatotumt dMjO in wddq f wvMbWk% you tttt-1 Il dtr 0 0% Len b ebait ateft tepas4 la onam " VA* its sppitaelfan Air olydtikoadit R16" aad aw Mw .. -, - lasof®sradkfaostrad YaeaodxlfasdOrsebot edhlhdsntsfEerll'antltafafallwttloniadtlag tahhtamedyomoudlt?Ysoshei?ed Yen tagoHt, tba C MM Uafan ME te0 yaa1Mn oaa wd sddaass Or+teY aaot/t fiuesr W. tdieh It tt tosivad s stadh wpd ON Sxte R b o oThfo to willfdiy sad ddfbestidy polldo 50aaopEde or ka wwd Mttbrtttadw w tarot opptfaatlsne lassie inwnd s"a miser or>tsaa slussaasdatedlt mfnss hwted by n yae = q*iap Alts LOANLVMW 060=4 YO OEM YOU In" MWvcd, rwd sad me sob* bound by do LOANLINHIM Dedh obd 9aaahy iArv=o d. mails Me Addesdaln ('Apmmaet`} If You an .ppyhte far s LOArvima nsww, Jas smut as it strong fnkr t In N hed ind asd jddL slmn nailer deposhaartmtn tsesa 9ft m aw aad in Qe!Muse tosea no whet Jar on asdsr tka AgmaNsrL Ifyar of is debd4 yen dulbedsa as to up* do UWA Mt dtus eaerwp foosresq dae. elates sni m bedltidaat bAaaormt Aseanny and xw let - rand tW would Pose symbf tax k aximae tmdsr sal w &dud btwlr a aaodt? an not s. xxwed etstAfy IetWeeeyo iare f fe Joe siarst. and IF in irrikisas in•]"0,ert4A Easter CaRNawa?aadtaXMUI txntol "(aappbfor- atOedtO4Xbdw). paces b aq t (fir fiat I am a wIl tar etonb aft kn , od i Prea.ks to ahbsbb meaebasMlp Wth Fact! as Pr?PttYfe YHBLOW Lve This ace anion it Jt*MIIY fawred by ibo NAMMI QWft Utdaa AIlabla advs. Egwl OPpotmdLy Luanda. NNEID 06/21/2009 23;08 7171, 154 LAMEMM CHEUROL:. PAGE 06{12 Authorization to ElecrrolalcaUy Trausa dt Loan Proceede to Dealer Please select one of the following ftding options for application 823568_ IM pieme eleeironicaIIy b anamit 838,499.32 to the dealership liadteated on the BM of Sale on my bchW for the purchase of L2008 Chavrekt MVEIL DU, VM 3GC19KI3M78G19403(L I d chef the lava will be set up for 84 payments, the repayment method vall be Schedoled Anto Trsmsibr, iba repaMwt )tequcnoy will be Monthly, and fbe interod rein will bo 7.4906A. Additionally, I wtdasMA that pSECU wiU send a EDANt dNHI M Advance Proceeds Voucher end Security Agreaamoat to me vie U.S. mall after PSECU receives the completed loon padcage from tho doeleraldp. alrtafMM Art', tovane, yon or" t) mo I?PeT'Y smog the =Or try tr.brg *0 surds cud Your W Mom ate who= and gay adraaow yw have now or eaoalve in Qie Amwo ondne Ow Lo Cradle and Aprmrant PC pkw) tad toy puree arooor" You oNO w ibe orq rlpaea row or to tiro bwm in wcordoavo wn the wrnYa of the rho tfath oo pppue?dl ovmi, Apoo mt tart co Appl cod and Moo tb2t watiftoad to Apply tar Taint eriiML Uwe aprm I. bo boas eta irtrth bKain for nee ortha ruaoads of such ere M (eige bolo* x ' q "°l 1. Ynawttnt F1 Send we a FSRCU AutODrflft to OF Addr'ss Of record. I understand that I must rattan to the dealership wltb the AtttesDrafl: to purdtese the vehicle and Out the loath will be Amtdod by PSHCU once the deal=* bas deposited the AucoDraR and submitted the'nvxssary supporting dommwnmdm to PSHCU. AMtioneily, l mdera wd that I must conwiete the AutoDta# In its adrety tm• PSECLI to fun$ my loan, completing the mtaonnt to be finwood, aedecting a lose tabu, eboosing a repayment method, and 'providing PSECU with any other required is oa or assifaaaee necessary to complete the ttweactien. tf thu box appomm" f?r jat,te t edit, App'eent rod aa-ApyltRamt sett tg? ae that wo irtaaa io op;q rm• pbr a Wt. Ihm agreo to bo bownd by tbt ttmm sot feral bordr for spa ofthe paosefis of such aeoft (rips b dmw). X teeurar This credo anion is fedecnUy Immed by the Nedond Credit Won Adudltistntidtt. Equal Apportwity Lontler. Pennsy ante ate Em Voyees Credit Union P.O. Boor 63013 • _ Harrisburg. PA 17106.7073 0 . (717) 2344484 Hamsburg. (eon} 257-7=8 Nationwide PSEC* L©et_. Dtcsres. f f :Yhts ?L( AkL iF-A`: ` ? i4- Wlii9t tc utTea> Ste 'ihtlh m ; t AEOtT. IF15UIi3liVCE; -- EieeBt ]fie sh ggglr( periteiit,' t _ .. . _..w?selte DEin_9iiAOU.auafM'fotaiNl`txin t Lendstg DKGOSU?Oa aMava roreneu•?u.s s.,o ?,.. .,... .. - --•----- p- mw"_jD.y.ourj oma I agr?theniandan7ldd?dttilii oy.;yoticatWb!ortvtva•int9att;any.persot??shoei s: it;49'add.theknureoCe the Plen.aCradR unidxt.'vri airr. aat'd us mean PSECU or ertyoneto hrdhom Ate"Credt soa.thd eft, b,g'VIDBr.II you afect &60 Jm UrionAran#iers t; rights rmdbtthe.Plgtl tttcretasa arsm pagodvt time riaaos uytrr repay r nMAtl teanrted n YYa .Shia eretHt insanemssatae may change du?inS the Pte HOW THIS PLAR *61" arsd7i .pia fide is art opatrerd, puovfde any.poddes required by-applicable taw antedpat® tllat tram Ams to ame;:yotl itlt behave motley (!sited advarross!? uran basis you cop fi the Plan" ttli ae rom raquirid fo aislte advapeas to ttou=Lmda'_1M 1? Isih-end.can ..P.ERIODIC'$TAXFWiuiT - On a regular rsfuse. f regtrast for an aedtrani eat any flips: Zhe AdOMduni 'deaexlbes the all transactions under Iba Plan :duiug:4he Pedod ' yat Ute M dV ent types of crerlt ! u^? b under the Plan, the current. .Statements and iwdcw-v. l be-pard:lo ou- Interest rate br" each subaocouaT expressed as a daily 'periodic rate and - given us in wrlting"Unles appfba6le ffiw requires i corresponding annual peromaage rate and other charges. t may also have other notice to any one of you will be notice to all. terms and a schedule for det8mlk*V the payment amounts. JOINT ACCOUNTS - if thisIs i pint account, each t I CREDIT` LIMIT - We max but 110 not have to; establish a cradit tlm7t on Certain responsible for paying all amouras owed. That mtrar subaocouna. 0 a creme limit is yet for a subaxaunL You promise not to exceed the ` underthe Plan against: any ona of you:mdIvIduall oral established credit Veit. 1 you 0089d. -the credt . nmt, you Promise to repay =Poky Inconsistent instructions, we -can raise to lots i fmmediiirtelyw amount whbh-escaeCs the aedit WW trrtttitt Poky requires slid You to--stgrt dot an advartc s ntberfs) to obtain advanca5" arid'agr8":ft i REPAYMENT You promise to repay ag imounts YOU owe unttei'tte.Pfan plus other(s). Any pica accountholder may iniminsia the I Interest. Payments and due an fha-h M•day d*0 m0n1h uobss we set a different day d inate the piar%'#he"ftari:k . aua you term et the time'otan.advance. U ifte.Adderrdun 1learho pa?+meM:sehaduta ? .e'. notice. If subae?unl , Ar: palrmii 4 fro detemMned.-at'-dW.11me ..of -each :advance. ^ in inbt lntS redly and p fly b ad advances it I Paynrettts tny!a -inaluita b* armow-piwdw artd.a+?9 Vh'at S' W:y°4 gave . FEES AND CHAR ES - it You gNa. cis s seauR JNrg tee Ab Pow ou excesrded-sty credo Nn* '- btive dear! given for a stibacbot7nt lbtt may ropey eM A""' 1"n ''. you.* or part:9tahvlhat you'ovie at anytime-Mdtrout tttly PBpaYu Fumafdlt" Evba' 11yet ;-do; the amountaf ttla _ w81 be :1o at ®n j prepay;. you will stillbe:e*died.tomake" regularly sehe""}myrrnmisunk": 'WaraaYale?d»ggel?rnr?tw'rieesh?aotltmdl6itwith ! if I.- a. watt disdaead i" tie A1ldan4bm and wlA'be"added b'yoo xtelt? address ytw ave.. . to each .plot bo w; Is ktdi khmy and ay can enlace out hts trtark tee .. . prior than tten ..: ., Ybu tine ? . air o<' 'oputli +!re WNt •afe- . we agree b ?writing :b a charge In the -paynteryl .ardtednb• .. you _ shawdmit aaxxutt,' your will -bC; r<apanSiftl0 for, VeYhug a7 overdraft advances .1hem.hl cash, ' ? obtshterl f)yr a jukd-Kolar ad the atbaft io?aunt: tinless.+ittiarvrbe'ne4uhed bY' .tIPgAT(NG CIiEDIT.MFOitMNTiON Ydu•yrornise'ytat'you wig.;ptomphY D nts Mla'ba applied b emouns owed under the Matt. In the roamer the wlltelt notice t you move' change Yrwr. name or. toyrtemrf! All if they n tls . lew,•paYn!a . ?? . tedlt UriwtC Irtlormalfon sett provided to; u* changes, Upon oLa re9uest. Yost aisb Ye n• I PLAN ACCESS --Yea ed" oblait rre?t 8&4m es b arrli manner aoftril ed eY us df ptpvlda Its trpdafe411ttartciel IrdOrn12116 tie atoivt b iris ya1rATRAdDebt lard b aoosss Ahe Flap, .- may bD ..DEFAULT.- The.lfodoadrfy Ps/?nWfu ?PPs b 7d gnamewized unantrodzet •hrse of your ytTTdfDabit card *a wit not tre• 1*4 ksr use w/nts srtd Soirai G?rmdma lbtrwrl be m delett4 H ?#SOtSai?Le tiatooeats-'atlsr.y«tralyji-tie;`«efy'cr inlvrwng: oiihe Jam ateft.;txyoss!bIs <g,a amo„r,t,rigtRred,Mhal; t is due.You.tfliabo9aY7t aadatBRaf?i _ .. a,•.rr,n.r.rr wiM luc t'fAaft""..? _'Sbi?l: ?•_l:?_.`_ .tt???..., atissltrr. iM a?YnitfeertV.rlM died0WnW. y*... colmd 1lt.t?a;>kne.ynu rooslved. Your ATMIDebt r. even d .Jhe. wit dra.W01 iaaulb iri 9n.kWwmbain4 made nom yphrt.OVerdW* EIWINCL CHAR af't=Tfia tloftai aAidtad you pay #or mgney"tioiioitied is ctdieil a: 'defence CharQs``lutd 8egirs plc Ike date of eac#adwarkA. iC.tlrartoe'charga'wt1 ba t computed seperetely fore i eapiuald beiaztca utdgr Ate. Plan: To atmptde the . finance ataige Via unpaid belanci 1or.each day sin elm fast paYrnant-(or since .I an ad?N yhiu have nqt ye7 awls a payrrlertt) fs mnltipW by lid Wpll"b* dally periodic. tale. The sutin -d blase amounts Is the floance charge owed. The balance j used to eompdte.dw than e-charpe is the unpaid balance each day -after payments and credits to trot baAum how been stubaraefsd•and e?y addhCons to the balance. have been made. In uddilim tb iderest. we may c:ttarga otter Txtarioe char2dirm h are dlsdossd on go "Addepa 11 the Mtetaaf rate is a vaiieWe "Interest rata the i Addendum .auphin; Chow Are variable ixerost rate wards. _ l SiCUfi[Tl -Ybupledgeasisewdyripi1 Planilleharesend and iany, } al tfep?es-aced T it a0?bht artditdividuai a=oWIsyou= VN* aft -now and, L hi the Tubas Ira •sdfetlto t70t@T"tm+gl. is pledged U a4 amrsthce, ere hrAt.lreaaH I siarae irl'tl* a ccotwAo the Wasit? tN tie pU(st8hdkhg balance ?r.? •'. i otheeviias;-ypwr pbdow shares may lie vifttawP urdes6you'ate In defame. The totowfrig _Pwagno applied ? -at sisals uicept :in Ohio, .l'code island and afharas grid dlviderids arld yarh)c chi ..: Massadtavktll llYd'httO it statioory! ten an 'the i deposft and ftlest'in all.hsdvMW JIM point accounts )W, have with us and nnayr.: ! alwase our rWItIg under In Un to the eft permtled by:sbtfe law, (We iii .slate chartered if our name "dose oof iodJ *, the thin 'Fedea,Credt'tktlom'), for an do The hgtory. .'den andibr ur pledge vdlfatlaw us to apply "the tends. ?Jertpp. ]Wr:wwm wa WpaL ¦ wv¦wny w.q:1!""°,'?":-.. ^+i-,,-,:,,.,,.a.? - -?- . anpairs your ability( fotl7pay'what Yost rtwa af.AtatefifYy.•9 o..lhot orproter ifo n ofa?qW right OI Soy prope?Y9l . u gave a?t eaaulyy a ; is •7Tar fOHOW6,lQ P-1wh aPF? bwrorr is ki:loira: Yb detach if you aae "fora than 10-days.Iate in ahakirhg,:albayilimiiL?l"w defWA-if You do'nM rrompty wen the terms of the. t'tatt l?yau tai. rnatenaLY Inmahs any PropdtYyo!u gave as security eryourabiGtyfo W owe under the Plan. The fo/lo"W paraynttpyr sppllea to borrowers /n apnmer sratts:1 default if you do not. make a'p8WW!1t-0f 11104mouitl dapt7ired vlhenJtl$ be to detahdt t you break any prapilse yPbhr•otacfe the P"fi or >t. debuir under any security-","am lilacs in with-an aid tore pfeit. jW irllt.be In deletlt Nyou.419, ire for becand ins rihake any latse of tni ssoitg statements In anycredh. lion orupt iniorrnatomt or tf eoeos?hing happens the b?mte sobsttmtl1r71t ability b (Qp$y Vrtlat you owe. Yott will . In dalBUt'U us as seaway, is-repowassed by someone else elq>tiK-a forlel t taw..or.t any#*V also happens that s4nitcrm& the value of16 oursecurgy-ltteiestint6ltiuwtilJWbeIiVGtautunderrtePSaiiYyou: .under any otherloart agreement wth'us._ > :rbiloWhr9PynD?IuPh+iPP e.rol ACTIONS AFTER DEFAULT- The Colorado. Dfsrrret of Columilds, tows, Jfaritaa,"ifsk , Masaaebuset Nebraska; sou& VooAna and WGvt Wrgk& When you- are in• dsh --Ion of eriy,ijptt you have tinder apperabie state-f rw to. cure .yAOUr t14 S. ' d. the s city' Twill `. 'in_ 72 tw itii' Ny` icri,:? kte. W i in due Y4J Will apv" is In fife of adtiCE balms ban t c a t under inyours urttdcoutlC(s)'towhatyatovMwhsnyoaareHtdatatlt.ThestaWbrylbnaM. 6e?nW immediate psyrrtertt of.the entire unpaid balance the *Pian tit )rout pledge do not apply to any hfdk ttsl Retirement Account or any otter account 9hrM You advance notice. . E? tltai work! lose "special tax treamhent iander stale: or tedtsroliaw it given as security. The*uroiving paragraph"appy" ra bonowert ina17 otbe , I des axoesrtWls tale I Ailliiionef security for tie Puri may be,.'requ?red at the time d.an.advarnci. t a. -and Lmd*&*. vyhen you sre in delauif..We .can regift immediate - A MOM snbaccount identifies atype of Prop" (such as -New Cars') yet must give-that {atc0eletatibn) af-ehe. arool urpatd balaneetuhder 00-Pla0ibu.waida airy righttrove. aceelaeadon type. of prop" as searrly when yoti. get an advance tisndar chat, etmaccourut .: to damandltr.paymeM. Rolice:d hutent m soeebrare ardi notice of i subaccount name stich as. Ocher -Seeuted'.mmeans you mus( .provide security acceptable to uS when you obtain an atipamucdider that subaceournt. Property-you The toflotwrry Parrult7r+!Rhs?rPP? t0 bOIrOtMafi in aNa?fates lxCClpl ? give as securdyr w?I secure aN tunounts t7hved under the f'btn.and-ap other bans Lbulafarta: I((fnmt3diat8-paymdttl.i9 deineltded, ynhl'he)M eorll;aria to pay:iitt? until . ? have -with us now or in fheitrture, except any loan secured t>y-yow"principal dwelNng.,. wnatyrou ovrettas tteen.repaid at the applicable interest rates in effect or, 9-app Property seguriag other bans you have with us may also secure the Plan._ , .47 CtNfA /AUIU+tL'6naW. t9[a:2YJi, All. A16N i5 RaSER•1fD ? ? [?. StAtit - FSECVFdRl6 3h•h6. JBxxaaD7-2 QS7-2?h (auth6} '" WANUNEW Credit and $eeuda Credit Aereemertt (continued) at ttte default me disdooed on the Addendum, it a demand for Immed lade payment f has been made, your shares. NW*r deposoe can be appled towards what YW we as provided in the section `above called '"Secui*f! We can -also exercise any other. € rights given by few when you are in default. You agree the Credit Union has the rWA to ake possession of any propetty g1ven as security under-the Plan, without jxftqt process, N thb can be none without breach of ter peace. N we ask you phDmfee io delWw the Property at a time and ' place We choose. N the-property Is a mdtor vol" of boaL you agree'that we *sy. ! obtain a-key nt.othet device necessary to unlock and operate it, when you are in i delatilt. we will not be responsible for any ~ PropenY. flat covered by _111e I Agreement. that you leave inside the properIV or that Is aaached to.the property. We wan try, to roavm_that prop"-to you or.maka tt avafiable for.you. to ofalm. ' Attar we }lave possession of the pmpeity, vie ran sell K and apply the imorry io soy amounts you owe us.. we will give you note" any pubfk;4socaltion or4ho date altar i which a private disposition will be:hsK Cur- exper"M for In" poseessiat-bi and selling the property will be deducted -born flee money ieoeiwd-itomYhe,Sale:Ttase Doses may kwkwe Jhe coca of storing I"Ax pads; pleisk t9 it Ior:saie ttntl.atfoma Ices W the silent Per!tittedtirdeistade law.p awerdedltnrler#te[Cy Gbde E ' Y8u-moat Pay:autx annount ptiit redta? unpaldetter ?e: aai?:rooneyitati?heari applied. to t!n! trtpatd?pYnes under the tea lbu spree to pay 7iKtsraettori.vrat•arecinnratltlB rate' icsed wi:]!no? t ;stirs late'as.ote advan= or, r:applicable, at-ft default j Addend=4,1 9 @tat amount has been pa+d , a TIn fo(IofhUn? paral9naph apples arty to Wlscorraln:bomowhplsse VYhnt Xo?1`ata kt.; dafatfiagdtsYlarexitati)notanyrV youbave'yrifer ?Mafaw8i eyour: detault-We amq require knmsdiala payment otyounxomai ring lean boki=6;tntdeMe ..- Plan and warn possession of yropaty given as!ewtdfc V?+-ns:!y voi !iy give to property to, us it.yod choose. or we. may, reek to take-pgssessbn d-ihe tudi _Pnpperty bY- f clal process.-Ill we repmuss kte'P?P Y Yoe sip-wo pay raasottabla t t kicarratl in "IrsQcsing of the Property.I the properfY is a motet vahide, mobialtotne.' trailer. snowtnobfie, boat or aiwndl, you will abobe required4ao.pay any coats t by S9=11 422.413 of eta Wacarritt Statutes. You must Payarry amount Khan 1601114115 unpaid atter.the. saw money has been appbd--to-what you owe under the Pwit Abu I agree to pay kseras<oe,any uhpeld.amm" ai rte :same tale, as ste'adva!tae.:oS it: applicable. at-the defaultTale disclosed an the Addendum toll that amount is_-pi).& ' It the wopdrly # fowaod' OYLSide Cdr!- at rlrtm of tlefaua. _we iJfali tafce- possesefwr d t1e w>Ahortt h!dreielf???aesa, if pnrmltbad trg ills state Others, ability to exercise our rights -later. We can enforce acts Plan against Your heu legal representatives. U we change the terms of the Plan., you agree that this wW.conifnue to, protect us. CONTINUED EFFECTIVENESS - If any part d this Plan is determined by a i to be unealorceabie. the rest will remain in effect NOTICE TO UTAH BORROWERS - This writlen-ogreefnerd is a firial,eWIessl the agreement between yotr and 1he.Credk Union. This lwrinen agreement ma be-contradicted by evidence of any oral agreement. Ct)-816liEit Y ,no roirewfa>, * required Tall' VamM bit - NOTICE TO SIGNATME ON -THIS Holt- 'MUMS THAT $0 ARt ,EQUALLY LIP ,FOR REPAYMENT OF THIS LOA.-IF THE BO. OWEKVMS HOT Tk LEHOER AAS A mr.AI RiGHT TO COLLECT FRON_YOU. Tba't»ljowing?fmnDtuPlps apply .t you 9M.la.eonoeeNon wit :ldhrancir underlhe Plan. Th" apply to bonodets In sbirfeeltai"I wi Loci:Tanta:borroweis will axoeute a sepifrate !r9 monL borrom other. stales in' also by-as! to exetine s sepvs saeudly rgneargm T}IE:EtttRiT't FOR THE PLAN =You give ult.. m b iQiown as a.ati :iiNeiest in ant 41jperty dumbed in any-Tecaip Vol or optet dotasnap to 9Ne t15. more pCtV Y 96 rtecajral! a:asrcep ro in+.o.a or an --The a C rity'kllataSt 30WMS 1111e•AWancamooww7 a Y?oicwyh •vw. r, othdr.documeld you-recoW. at thetirne df ate Advmioe sty atmnaions,st or refinancings of the Advance. t etsd secures any otteradvanees-You be -or a in the future under the Plan. and any,oftmr amounts or inctudirig any credit cprd toga. you owe fn /or.aiiY o resat now or in the exceptanybmr.shacused by yourpritidlpal residenco.JI the prop" le hoi ?gpoCS as. defined. by 'Federal Ttadtt r,dnnflemon.CroM Pmdoes. Ri Ihs pioper[y rid sectim oNy ft Advance And not other pntorxaa you owe -?NERSHIP OF,THE P.F30PERTY.--YWt Ptah.t? Yet avn efi r *t Jts sseurly-pr N'the Advance is tD buy eta' ropet[y you_Ps dmia yod_ ,.r - . -- "m Ow Pn t default vm7.can :require inwaedlde .PaY11??QPE"InSulion) of the.-entire _ In or balanceon0arl ePlan. ottwaiwanyfighilyouhave-wdeatand#vrP&Ytnet!l noficeM `trgtl'UuaAdtieitcetsn 0 _ _ riefise d aooeMraaon: If kxttedisa payment ls. 3Se0 to ateph istoetd mst- agte:and demanded, you will 061wroe to.Pay interest Low what your oaw•Itas bra a3tl el.. . °` R tom., i . s Cie applicable knit rates in affect unless :a.defsttft rata ls .dTscbSad xra the' inouiam eon,11111 pe ? Addendum. t a demand iu-imrlisdtate Pe5!raertt.has been maCe;'fhe shaMand ° - t viwe? deposits Owen as secorlty for the Picot can be appled iwratds what: gall :we; .'Union ThB amount at Can also exercise any 0111$t rights given by law when -you-are m: detauf ' Arid . duY .: tie.?Axt pavlde.t rights ! alder arty severity agte+rnem5 Y?4 Aare wlth.hrs . " tMotrgEi. a poffr3t you CANCELLNYG OR Ct VMWO THE PLAN - The 1Otholvir j Pe?9?Ph ?PNas = V*ble in ua and IO r only tobormanns, in Whole Ne ham tlte.tipht to lltattgelhaiert?ts ofi the, [a1 train you C0,40. Y-. time b tkae a2mr gb+fny you .arty1ailcro' liotce' by law Any cCtanps w $r ,fir lost or de _nteresirate aralt .slmrges will apply *-it" atlv laces p?p«ty pr apply it tie tyg?;y pa,e?, ,pp?ei' orria;,?lo;boioai?erx ?d wiatarfakr- ?lre •can ,yt991eat ?rTCb A>p? be I ! change the tamtsot, the Plan hbf a lens to ttata ht:acoordtirree wljA Sbc4krtaA22 ?I13 :may yp? goat teen # of the Vvaconslrt Stiaadas :Yoh wfibe,meilfieddpirrtyct?pihfle 1a. Anktccease tamltaLoaeesj:dine in the, daffy pwlort rate under a variable fain:,jntafesrtaa.is;IK*.u0rtsfaeta" ?beti tdtarig'inlermstmielerdW.pkUj lfa?inalhcaliKne-entirgPfftnorary!patf'W? Ptarn -a3 tatty tkiie You may rental #* plan to a!Y tlitda Dy VIVino t>6 Oafs .ASS or ia5tsarnoe w?J notloe.-Your:obiysom b Pay tiedit unpaid ba'wnoft-urow1he ferns date Platt: on Kill" on contiriuaswheil+a.You a ule.rxe unlrnh earioefftie•Plan except to the ?.. :iet>0ivs pJn tx ; your tiebnfdy-ts tkitlted by Section 422.4155 of the tAMacarhaNl:Staiitles. :.. - it sakes. We.trlayaa The fbibWngparagmph applies only to iaanoihtai7t.8v-foaya: 4Ve Can change :. olFteYttotiwveis,b4+ie r terms of the Pen from time to time oiler 91+rint9'Y? -Y adtiance noftae iagiwl by =_ ,a rimy engage oKteat: Jute rate of fithance charjpe or ofhec efiaitbir : that- M the insurance oatih j hold the YW. usn in of J. inot ' , . a n.4 wo ,a.w .o...»? ...... - - tou Proridse'yott°wKl aNdv no•oari'tiratrJti! rK ` eat bur y>pay acti0lm Ot Ity ep078fion d Iau4 , < TATCES iM1llDi e . . b Yaprtutt.o0r1nvsp ,y? ou s1aFc6EgdE6t8Sye.Z. . '117Tt4es r • •rJtsfMtsnt .YmbatrimrttdaY n ac bls: fo the . "age... :properiY trltvstba' 30. p04 intwreance djto[IgA Pdicj?.ybu aYdadj : or 1d.paY tot: Wrr pwttllsa. 'tttslte. rte liumttarttce Ihapolicyapropt.ofoovefegeJbA lt"Wed, op. . `and yatb roftmd, we a ltgllt w tre;!enrra. vine is "vea salt? r+se >tM- . .. ttanKSrtterq.-to,; -tips! . rnhatTbtt,Qw!s_!fotn 'V?:mwtdo?e=enJ/ off.. i30yotlin;ofder16r,As'tq, any•ntkinuor. ofi ibwaHO ptoo>ise Keay Artiexoes mw' (mce leers on rie poeperty wMn foriraP it Y+xketC mar pr?nt?tottagai±atYSOdQae:'. . ghgleji?sprrmQ4or ad btx!pa:..dte aii+artoaandl"a7 pay-. Kiehrabte°trJafy?ap:agra?d. 'PeY? ?tsa?daenta'.e• >? _ solo.Thektsurartcstlw'gaatgeatoanaovar!?e!rryyp+ee taw. A. Change Ihat increases .. ! increases the amount of your payments, or that otherwise advers6ly eteets'estl5ffnll rah ibis Insurance requkaniei s. t we add anhotmia for ta6re0..ipis or pay.- E balances will apply to existing balances only it you agree- to the change or yoo -Use . iatpaid tvaleoce of ;err advance, va may incra ise ffoww Ipayr"NIS`b DaY S the Plan after recaivinp notica that your use of the plan .means you agree the tviftki gee tarn) d Kee; insurance a alpproxkrtete t9rm of to advance. change applies to existing balances INSURANCE NOTICE - It-you do not praretsse tx_(Iregt?d ProPanY'ittsu The ftjk wing pe+nnoph aPpfs to borrowers In aft Other staffs: We have the Cie Iri nuattoe we may Purchase and charge goofs w14 aomr ony our WOW rlgftt td'otpanga the terms d-dw plan loin time itrikne after 4 9 you. any advance property. The prertKum for' this, insurance, may be..h her because gtle irua ! notice required.bY taw. Any change in the bnetKest as win apply to future advattces? company may him given us ate: right to :'k+aurence after unit i and al our dbWoWn and subject to any ?e9uimnents of app'k*We taw, will Van 'coliateral- Is test ofdarntaged-.The insurance will not be'ITalvNlly brsiusnc apply to.unpaid ipaiancm wW not Satisfy any state financial' ponsibipty or! no f" taws 1 The fallowjngpanrgmph ajtpbes.InaffNdWfsconsin berrolrovs.An WIC'ease in : PROTECTING THE SECURITY MEREST.- t your sulfa issues a file f rate Is rwt:eonsftmd a change id property. you prortiisa. to leave our security interest it q aft the 1ft wit mat ` the daffy' periodic rate -under a -I** Interest ! terms under me-Plan. YYa can cancel=the snare Path Of MY part d-the-Plan"al any- - to fie what-is.eaned a financing statement to protect bur security interest he time. You may cancel the Plan at cry tircnt by giving us prior written notice. lots claims of others. N aslod to do so, you promise to a financing statemer obligation to pay ore unpaid balances under the terms of the Plan continues whether ' - also promise to do whatever else we 'think Is necessary to protect our st you or the Credit Union cancel the Plan. interest in the property.lbu TirotnlsE to pay afi costs, lrldtttkriQ btu t10! Blttiled DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN •-- We can delay j' attorney fees. we lWur in protecting our severity Interest and rights in ate prc antorckhg any of our rights under this Plan "number of times without losing the loft extent permKted try applicable law. rKte our no& i the ice rred and Nave 'the You LQANLINER' Credit snd-SecurftY CredlI Ao[eemanr (contlrlusd)purAlt far uNaMul.faRm to return a motor Vehicle is one year in:plson andf a USE OF. PROPERTY - Until the Advance has been pad off. You Promue)!au mk one of $I Woo. For those members Wtrb p irtchimse a vehicie under' e' .. (1) Use The Property ??+ity and keep it in good repas.'(2) writion. permission before melting maW changes to the property or changing#IS Q6".- DRIVe Piognim, please review the tdllbwing FTC NOtiC whom the prope[!y is kepi- (3) Worm us in wril"atg before changing ymraddress Atlnw us to inspect the -property. (5) Promptly notify us V Ere property is damaged.: stolen or abused; (6) Not use the properly br any unlawful purpose (7) Not to retutle NQTIrr property in another state without t mkv us: ANY.1 lQLDi=R OF TI I$ ?b7it$?)M R EDf'1 COIVTA I T ` NOTICE TO NORTH DAKOTAEORROWERS PtlCtCNASING_A MOTOIRM0,11Ct IE: - THE 1`AOtMA VEHICLE IN THIS: TRANSACTION, MAY 8E SUB I CT TO ` :IS SU:B.tEGT TO ALL L GI.AI'NIS- AM I?E?I!ISES WHi H REPOSSESSION. IF IT 15 REPOSSESSED Aeto SOLD To -somame ELSE; ' : 'THE DEBTOR COULD ASSERT AGA*ST, THE SELLER i- AND ALL AMOUNTS DUE TO THE SECURED PARTY ARE NOT RECEIVED IN :QF GOODS .:OR SERVICES OBTlIi1t?EQ - WITH T ?:. ? 11 THAT SALE, YOU MAY HAVE TO PAY THE DIFFERENCE... . .. .- NortcE FOR ARIZONA OWNERS of PROPERTY - It Is trtawkA for you to tad PROCEEDS HEREQF. RECOVEfiY t{EiEUHDER BY . E to return a motor vehicle thetas subled to a securliOnteiest. Vol" ttarly days alter DEBTOR SHALL. NOT Excf-ED AMOUNTS :PAID .BY E you have received nooce'of default. The notice will be matted to the address .You DEBTOR i1E?tELJNDEft gave us. it-is your responsibility to notdy us if youraddress,chages.Rte atauSrrturn. . Tfiie-notice cordsNu"rrupartrlt NtionttaBon s0rbut yoitr'rig0its:and orr reapctu ' . are advised-10 read your lncrttiaty statornent : Aix 'torn ills gin Credit 8gitn d .At6rwe ieasitw-*wlstte ;, w4earut®t try b , 04. c-any '_` :• 'gi• 4c?. You ai defmqueeti.-wa can corrEitue .Lt+ and b jmir lorilne amount M i you . . g ur> er :: thorized. transactions. and revietY iltor any coot dwaepandes iu unau lau 4p gliesaort !?r9 and wre Can aP . hinw4o,paV iw*-qussdmnod wvhite vreaie . 1b credit Wr>Tt u do not NOTIFY US-IN CASE OF 'ER#iORS : DR QUESTIONS : ABOUT YOUR . . a0pgah3tl to pay ? Pare otyowatetecnobt ihatara not M;. : but ou STATEMENT. H you v** your stat@ment fe wfottg. or N. yrw need inorb iNormation- wrW us an a separab sheet ai.dfs address , our statement ction on tra s t b d ova tell that-we made a mistake on your statement -' win notAwa iuR .. l s fi t ii P " any ea - , y a a ou a n listed -on your stalemet t. You are yoquimd_ to notify. us in trdi g Wlti la '80 dayu{ i b I a c , ei A p ail i etnourr.'N _ _t t . gnance charges rotated toarry gt>astlwted wm ? make, art w 'flare b pay Unance charges mW You : y . sed .pro wh . o fonowing the date oa wtrhich'We sent yolrr staletnen4w6erein the *rm ' . ! trastkrted etvtodntin either case, wviit sand you a slate tfte on a - enr R !=.,. first appeared rrtgarding any disctuapancy or.tmtiutttorized trdnsaclbns o account.. Faiture lo TW1itY us may result In ytour.acoeplanCe of 8tty?.ma,ponsb?ty 191' • g P 1! ! owe and tfie: date that H'Is.dtle ' dtam anloant you ' pap"ni erseiilitiuisemaet b us-tor arty suoh.tdtr',or diWWattpy ot+yotiraixotatt • as soon as possble: Ybu can 161ephorte: US but. doing sb Will root Write to us l : ll yttutaY to?ttyllb.emotatt gtittwe ?+eu orre rwf fepottlrouss. fiovrusvar, it our a*anatbn does dots tyyou wrlta-wus wimin tad am. lip, : Pr+^sY mss- _ N .telling us fdet?rctr eel reNce.to psgr wv@ musrlMf roue Teport to ?. to a 9g ? tom' wue-rtMauit you one- at D kUormatlon , In y w lene6^ghre us me tatbu t frog o t ntatlet ytieieportatFypit'to:1Ve aetst tetlatyortearre iipod' .' een , akn,riiebtta and atxauntnurii ?` setfbd tieiwestt taw!),ett dltsie y? Tftedditef acnaun at the suapeattid error ` a -ltiive':doiYticNoMasse riAr?;. r?-can's. OteSletS?Oof tftequsstiwled. Desertba oils errs( anti eiipiaat llywi can gutty You baS@Me Btero rs an error Vevdri S a?tsniWt tiros edsisct,,' if you: need more irtfitr!gatrori., Qesct e. iLre RM you are root:.ab6uL ? . . SPEt?AL RULE-FOR dwzcwr CARD t?eJttCElASE8 . .# Y?:t?ti a-pebbisnt d m ' OU- - If'you aeon,authorized in lopag a aAi=W aecOunit atstOinaitieaftjtft4myo?k atttue artibwt yw thifit- .. 'acccunl: orchecldryg'?ount rou caii stop uwlmyme! t on ar* car ,, the clam" d gifu psrly:tx set+ibes Viet YOU *m ruac : tiaveYiid kt,gooddsitlt fi? carreeitlfe prGltlentaAlit ilse. You:tt?ay- - Y , the. . _ wrorg:Tuatop itue•pay+maM four Irtlef must. reach us three business days betorelhe i °right nor W Pttlf rednbrtdwsttrtuiuu?on Yoe ot"sefiioes Shah um lt0't(pttC{a)?bCixlNmihaatrttatbeih0 Brtrltatloitson lido cpspoomIssdeeduledtoDeem. ' aueoatat YOlfii 1113144Aio -0UF(.RESP0NSIBILITIES RAFTER IRE RECEIVE YOUR : . : 'W:114With,iynur.hoeted?irltiln1007 "nry:tr endensitbQatfuirx Fi i i and ' wArn-EN NOTICE- We must admowiedge wow lettee v+ahtn:30 days,.tsil?s we r O h d ntt. ons t tsYhaye yeett?r Leff The t> @F m `7hase'Katnatibns do TtW tispply it we purr or uSistiuta 4}e merefieN or 1x7Me od : " e @rro r correct t F hav ir.....cted lire error by their. Witbvi BO-days, via must e4h i e i i , 'you the adtiernseritusiil icr the pcriperiy or all rAbo& a cl it.was tpa e ettptairrwhy we: t»Iteve the stetort r I in .this Apreemn1, #i 4ordS yo*8nd Youi.msens @BCti and.aq. of fios9 +rttw *V* 'Line only t1y_en?n-apQGCannrl'b us. AM111Ch {ntatl'b? n g fix the-. card ar who sipns.ltris ApvesrniN: Card mews t ie:Ytm Ctet t Card emit arty : i ihG of.. ywr:visa' Credit Card raau wvNS'we mum Arcotrrt mans r Ycates errd d rt Y writteh rtoHee . erioen ofiicir BY gnretg.you i!ra 'to firm or vrtnt:guod_ eawe.,reuolaf yow-cild. _ ' . . u p : i Credit aoownt with us, we, use and puns melon ehtsCredit Or" cause ktokldesYaurtailure io corttDN'with *2 cura averse reevaktoon dyour nit dabtsand the 1. Respot ienlTYy,-N we Issue you a card. You a" q raptor AgasrnenI of tray-dme, but Ionninetion by either d:us Fiwartce t?wcge;arlshlg:lmrn the use of the. c1w and she card gooDumlf= * e>1ardpw ' ' batac'roa. - -. " lDpdy tlw account t your SPOUse ant rrlirior cttlldtfen. t YOU are rlsponevIie 46r charges made by yourself, j Ybu are afw resporrolbls'br charges made by anyone.etseTo whom Yet! gl e:tlie . ? :. S.. CREOrr-EIFORM;ATWN .-You atrntoriaa`uam atvi rettewktg or revi"hic You sraa and opening when [ and and tils.leeponsbitNy oontlcwles uritdtbe card is recovered.Ylw ctetrcot.diccfahTt.. but'wt vX dose" mount for new frarwactiorts Nyoio slblfity by notifying us raspo . 'dnio?me6at:rejig-your account to oreditbureaus ery , n so request and return sit &rds.Ybu r abtlpalibri m pay the au count ti>datice t ecitfrales- d us aboucyttur.wedit standing:, .. . oven though - agreetmant, divorce, daoree•or other court j a medtto whidt.rre are 6. MOW TWY PAYMENT-vote will met you a ' j note parry A dhact.' of one of ft other perso w resporisb a to pay-Ihe-acxowtt YOU i The cards iot+taki oiir prcPmfill end yoir.musl recover and:mxmndor to ui-al cmidh sash atfvanna: Prevbtis Balances t# purchases and ts+dat wept acme tt, in minaliti g oratft avallable, upon our roqueat and upon Iecrnllrtetlorrof Ihls.A reement n test or stolen dhas b r purcl saasandlash adrar"%fhb3blel few ... ?? PaYr , ar ee 2 LOST CARD NOTIFICATION If you believe the YOU will immedatey'cali fhe CreWt UniCtt. at.T7.17) 234+8484 cr(80u) 23T 7328 After : _ b o w apr?!ttaM You msY 8rr1{larir4 rls f? dlerga the !rfirtsatt € hour6 ra11'18001556387$ .: ; Shari or UteakYtp'aooourNVNtlt us.NW am o cdilree. ' 3. LIASKITY00RANAUTHORIZEDUSE-`fiua?eeronoAfyusimmet teljtiptstlY ' `tliarY9he'A?nlInUMi'aymird:prt Ythe'roLetNarv : on in vvrbGty d the loss, their or uruaudtor ¢ed use of your Credit Gard: Ybu mgr be YaAte.: : .iruasle dfeRlB by do&tp sa 3 YourtoontNy . . ' for ills urrau thorked use of yoW Credi Card. lbu -jW not be WAs.,1 r woulhoribed use : .. yow Ss pybd v* ig p ate past the cma that oCcrssafta you tw6[y us of the bss, theft a,possibte tinaarlhdr2ed use.lbu wdll frets . The. mir*riium payment witl-be (a 2% d .your Totaf e. no fraWaly for rmaunuormed pumcSta?s rctarJQ vast yourCrecfR'Carit utlfesy youacir 9r roily In next coon tYopar, or (tij SRtiAO, vdticltetror b Sd!? j m negligent it the handling of your Card. In any case your Uab,* wr6 nbt ONCeed SM ntifirtg . +e New Bahtnoo exceeds yaw4Dted L-x you rrwl LINE - If wa approve your, application:. we ' wid -astablisty 8 .seit 4. CREDIT demand. we will apply paytnerds in the lolovving rrmw _ replenishing Lida of Credit for you and notify you of Its amount when we issue ifie tlren to previous oash advances firance.charges,.ihen ' card.YOu agree not to m rte account bane exceed tilts apprmad Ci idi! Line.Eadh preAtim cass t harow. than to cufrerd IHt lam, then to payment you make on the account wig restore your Credit. tine by the anrountoot the previous purchase balances-in the order that they wars payment which is applied to the principal. You may.request an -increase in your Credit, s wcurrenc cash advance balances, and VM to Current pt late ftik:Apretfesetx. Ibui_ipy sko' . tltis rs rtctadtedyotn . ttigate"your Cr9dlt-Af8 tog 011-autlrodb-tin tc dlim bse otlteraeu>aorswiuo ire t ewerymuNe stowing your xvtm taasacnons on yak . . Una, the: tba! of %anca.CbsW due to f. Evrry dtbnI0 i0a pay fiiti,attdybu_wiM lire nllteuXSAtaedt rte ba faiarm. rounded up the ' YtlOrl, atanYYime Your oW Vlwgttheerccess UPO our :.first b prat+lota to ttftwo batattcas, b f rstad to yoca accour!I, on i be returned .sill the statement. You will retain a copy d, Such sops lrrlktled at Visa' Credit Card A9reemery and Truth in Lending 09d"..- (conanue4 lime of die transaction In.order..to verily the mor" sta/e ment. The Qmdh. Urilon-V iay 7. FINANCE CHARGES - You can avofd;Cfe Finance Charge on purchases by make &.reasonable charge for photocopies of slips you m ay request: paying the tub amount of the Now Balance of Purchases each month within 25 days ' 10. OVERDRAFT OPTION - B you amkwa to oar "M ? o your PSECU'An.0m cit : of your statement doskr9 date pthewvisa, the New 9alsttee of Purcftasos. and the Card, Ghat eleettonto subject io theb3 dwbv awn 6ni ano the agieamm4l it rep" nts subsequent purchases from the date they arc posted to your ac courI WIN be.subilid. m Finance Charge. Cash advanaes are always subject to Finance-Charge from the and put .IXare<i ban policy at the time of the overdaft. * . overdraft will be considered Cue sow as'a cash saver". w aim iattlsr9mnd anyour PSECU SAsa an ' date they are posted to your account Card?and that the chmert.Anrwal Peraertage-Rate iI r oa ol"A"nces will a Purchases: We calculate Your finance charge by moftk,* g ate-average -Wgad ' T1. RETURNS A'ND AbJUSTMENTS - Men harts a4 thme thets rdto haw :rd dafiy'batance (see explanation below). Inehx9ng new pun+csses, for dw-bftV 006 pray give credit for rehima and 4*istments..alnd hey - k ip do. se by sen by the nwnthy periodic purchase rate acid corresponding ANNUAL PERCENTAGE asdit ? t i** we wN piherl0 your Visa ti0s of your.s:reda and RATE ass dbcbsed .on the Addendum, immeed what you; ewe us. we Va antonlatia?r enccess scads b Cash AdvanoDa: We calcu?te .your finance charge. on -cash atlvanbes. by your S-1:Shares UAd In.,75,deys.'it the'traYnoaft onei doltar et more. t mui?IYirig the ;aver?ge Rusted dally l a ills ( D ?n k ).dot eosin advances during the bUM cycle tYy ft .rirordtbrY'-periodic a¢m ice tale- and rwlltenaequest, w!e:wlp rofwx! Ute beck baiautce to yon .12 Ft>fiEttifl Tfi/1li8AQTICfiS 7fle exdtanpi be/wreon file RATE as.disciosedon'lhs'Addendum.-. conespandingANNUAL PERCENT AdE n¢yind4tebfin9crrrernCyumediorP!bosscttg ...CL f brKlsa Balance-Computat(on fitethod". `. f iattase P l Ba e .aelsdsdb Vbai!arj ltsd rartgedratseatmiab@?tt riPP P D! kW core, mtkh ''. C1lirertiy ritaikets rate -visa or t anc • y I Amags:.tTaAy-l3slanest forPn>rphases-The Average Da nseCtiorns N N.-wk.bee'Da? Balances Ahimhase46maeNDt?14t.' f ` 'dra t-mandale iriftiiieffacticitlte allow prociis ing ra 'k+?uefinetttma)rlaeassesgad. each day tha,bf raq "de. and xr? dMNSrrO by. the dh- end dip In 9io lfiMit9 . dale-10 VWL T 09fth -i k A0lrhids.W attttq * l9L: of th0 8ausa curl Cra'iuoaasd s9 iytla: To oatunfle " DRAY Baiatroe tor.pirclt#ses aaac9t -clay, -0 take the 16111 irk.: transan ortswltere ie. rnmrliarnoourtir r isle tioiilalis .s+ d:Qa? ord. steps:. We take,vis oulNsndrg balinice'ZaM a)>Zf to emit dtha- :. There. in the sequeria iii which atoetatts are-posted to WAX account, wp idd She 18 ECIAL MILES FOR VISA'PURi?? p. _ tartiisdan j amourta of.all ifebasand iWtaet.Cini aiitiwres' d'ab cwdis orPsYmeAt?swNdf pbzn : w311t ai V"mans slid haiie'trted;ln peod feAir.io P?r3biem'tiNC? . act . to your axornttt .Ct6t day. Alter 'iOg tfeltments' ends > .we..vibli ct the atereharrt of the tblarges are.the at*sul[ of orYT?fitkdeni use r tr . j amountd any unpaid Fkhentee charges arlae Chdrges. Then w. ait+oJUrq¢iaalfie < :a+irtehaas noes mute. than sso andwr?9 'eta boip ... :. in lronr ate I amountoianyCeehAdwnee:traiissetiortegiat'postedtajmir'aevottrf[pntitat.day'or':aldNtir:SOO•ntfeset•,your'•honte.boniiici.E'.3EG'U. F :'- . in any prtviotrs day+n ldebifing cYc tlt'!se us9ie:bailYEslanae }orphu ass. j4: ' ' " ONS hibtr a"nt .requlrpti to rro .l'SECt7 l! g Average Dar + ealar ce lor:csefi Adrahaei ;'Gash Nirvana1t00ser ft.M wivctr?irs tt8 dzrysttollol+tii?elle date out fNNdh we ttbra whtineirlttte !! pfd >o Yk aGCdait are nsa'kicktdad,in giei !Nreia9e.Dalfy ?lartca cab7YtHOn'!? P•oa<i l j44ti" nmDar @ p fix, - on .- -- -- - -.___._..._?r?.:- ?......:..sitar.u.,.,a.,,.•racrri.t.r,.:?t-rrar,m. " :ilfapu?ariQttis.lNu? y, I {aa timowiis You-owe) st ore gait of dhe d*10im-In *A aagnarco,iit.whi* Braourtls, i aneposfeiibyostriwootant weadol9teatrrotrt?daEdepifaard.aatiiiitsdtaatooitrtle' thaytie tidd er Whip for-1ho irknilacilgit(trtj to gnis attictdlip te.t>amtrarites.satlorb+byvisa a paiymtuits of as cmdts or payments which post to YON eoconnt Chet 1# 1 eges t t2 r L d i . ' 13: 'SECt7R[1T"fN7°EiiEST. - To secure yoci.: - a e t pas:or Firsance t a and credits. Area aubbad! no amoutft of wq u;*al { Then we also subimcf 1 w amount of any Pumbass Tia+tse? that pasted to your th t II NV-oyta - This goes - fie D01 ! r In an > s deY kt t )h d W > Y intismst untier-rA. tJr orm - f> through tit9 atxouttt ff you delaidl, vre:hr . ay o accoun on at y f t Balance .brCashAdw rim'lau s Holy: Cash Advandeearb alwaysau*id to which. ' ? basil-paid? jl .. manner d 9"ments In 04 finance. charges and from lbe day they ate,posied tb yeauMaceoueut ' oll awed Stalin t rta this •thcaountiG we wAl<not any any atatwory. 'r Pay..MS are-app@ed n the foaowatg manger. Bust to previous fate tees.,Ctett.to ' ' _ -la pretreat rrMOir>tiwat 0t.ynui.tlupledpsd. . prev'ious' cash. k%snces bnanice. charges, . theft to previous : purlihaft firtaince chargos,ttwn t6 canewmo hies, then ib`pmwmis caah'advanoe.baiances, item to . - Delow.ffie unpaid balance of ywir 111101:0110L Hawavat;•d: sPecRc i?icdpe'w vobr_eredit union -iihares.:( . f :i>nt±+d ?o yorir aeeouftt.,lltart pm-40 to purctme Dawntoesiln thug order that shay were ,ar seci+ipy tmersets•lor C Sitaora or Wtrsutvlsq. w e ry . t 10 cttrfert cash advamm bounces, and then,to.ethrrsnt auitirass baftrtcet. Credps r r? ? evil be mewed byliour pledged altgraa (Oe 8nd ? are appiadYast to ihe:ParNgihr lYpeofdahi wiueh V. SaNtg clad(tad, 7 1im*4nd4ien' ' [+ose:admiaeeflty sgreeerdnh?, eKOapt for Ygwimmm stte..bal8rtcedyouramotat to 16 :$FECT'OE.MEItT-Thb`A' is t.:..* Note also'aftat m the mtal-of fig Payments and credits which +tre POabd Y aN ataDa O<t :Yax.aooouitt swan tl}Ottgh life. t account bye: P.ayriNSrt Brie Data stwwn on a listen nitaa gnat. to:a aaa?eda I*- < oyiec si?a 4W or :rscelvp :?rdy ooi+?tt- tldflFa? ' i New Ba?rt? shoirn:ae at eerime,e VA11 t apply the NlcrttMy. [yeribditi RaES ?w WttStg}ionllfer- .'.. '? : wpretuttmttitann.Ykns to b!! : to yourAnconrrtonyonu.twaCslabtnent. ` . - - :: taw;lfagr.usaat-ingciidMoreaflsr•ttMl:irtdoet?syoWt B. DEFAULT-You wa be in default It you tad to make-any I Aahkeafar Payet4M within. lhrrds Yap atlNtbitZe his fO irsnaier t ei6 i d d i To the extent No few-permus, artb we voicita in per. fn°Y°"n ettlslhtQ: acoofui? 6alartra as weA 'ttj'•futtxt: . . . e, a rlg a ll? atet@rrra t 25 ? after y? -antl i suftk;ieal to mafae the minimises prAmen t due z f.ywM Vita >oen Is in tid iuil -?thin A A -T " . - 17. •1AM. PJQf1 tCHAfiGE:,= ? ytt,rli?igltaaid .. X: i also boin defeat B'yroQ airily b raP6y us Is mailsrlaity raenCetl•by a Ct>attge Iny dllrt slate; goal aMtA' . ' tk d-daybf. kae dlOnt1110tft7rrloy your Emplciyntenu -'alt TrtereBee'kryotr abMgaEOars, bankrn. or'krfotuatta Pooeedhps< - ' _ 18.. Rt931i•FEES . aura ur additiuitel . k*dv*v you yottrdeatn pr yod ^'..raAo abuts by.this Alive ocitt'drif to Yatea-0X i Ma securipr ssiersst maswl* decinda We !nine tha -rWd io demand'drgutnadlaM ' ' - .iaq o... OfCdit?;'attdr?fLl?itQ.71?S elr.:.?'t,.:'. " - - s .OVEELCYtlTF,'Eg:-AS'?Die6n+rTbeippfiedbre?lclt t9. - ou mtjr. • I peyime4l otyotrc.hdi awoui i 6ltltirr06.B yda dafaull,:iettbjed to air gFnn nonce rsquiredhylaw. Tb BheA d"Ver illedr tar i' ; wMafso be pay , •: , put vrhlir!! las of lar1r7ri0, 1anos s+ssatkite scsi ied!pra i masonabft attorney tees lnctudi g ccurt•tags.and 9ur-collertion expenses ES Ylptt `may ktcw. an adelitto? O i'I 20. bRAt7- C n : , 4 USING TiiB CARD - To' siatw'a purgiase o% cash a5(v@t>ce. Cnsrs airs Ewo , ? r -°??' akeenattve P$s:to bs IaSOWed time. for ..you to preheat the card b a °21 COPY,BCCEIYfi _YOiiattnpr7edge receiptd t or inolher grtaniciel kssWbAoo. acid sibtt Qfe sales partkepatktg VFS; piath raercisrt, ' ?, It LEGALTRANSACTNDIIS PROH18iTEd You iy _ or t•8ah adtragce draSt' w1Noh•iM/ be imprt(ttsd wbh ZioirT:artf.The ottttr N to uxirtnplete . . j1Oor cardtar, ary>r> aon flat 16 4e¢si tinder the Iransactlwt: by usMg your Piriwnai ldarrBAeation • Nurttbar (Phil) b' eontjtrtedorn i with the aarrJ is an Automates! Tl9er AAaUtkte rx otiior type of slecsoonlc terrrtkhal 4rat . . Z3 NO USE - uraamte'vraa accounts that have no:pt} ib provides access to the v r yrtem.You agree Chat you wtro not tale yotr et!rd t0r any be dosed without notice to you after 18 mbrifhs at to # :t trartsacti0n that k htegttl tinder npplicaWe federal. mate. or (peal taw. The morglhly 24. NEURAL. NETWORK - PSECU.uses neumi ? eta emsnt wrTi'idenirty tine merrlbant, etldroniC termini Or Nnancfal 9nstitulton .at prevent unauthorized Vanaaetionrs. Thare .may be onn2i d which Iransactions were made. but sale. cash advance, credit or other slips cannot declined because it is indicative of possible fraudulent SEt;Ci.v?asljo , . ; a. - ` .fMCU must to- Mu tried ua a pu v You sva In a rprp 0-r Yd in oiNtar`t?rtiirhio ° eastt_adviti4e' Of, aa.iAt4 f le" . edlteitiwide ?bY . , se that-yau.wsi.nottus0 ereir efslrn M4vsi1 !8h d+,dwdy ' systems to ixad ct knd I s when a transacti n Is v O w 0 'o • t g m .a LAJ N d. Q so aooooOOOO$oooo-ooooo c y.O PED ^ ?D= ^? ^ r P0D 1?•o vMN N r C 0 o e - .Q c S C .L to 0 o E .o c r 800000 NN 0 ` 0 ° ?M MM M NNNN N r-r rr E c C - O C ? r° £°$o°o°,S°o,8c4i8goSg 4 gS$88g$ IUD > ??.t8 Z °= O P' t 0^ h^ ^ =4 pp Z = N P [o n. ?O h vM N p ° ? 9 $ o O O Q o ? o?? o Q o o Q o? o g o 8 2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 C ° c E ? 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Ooo 000 OOOCOC 600'000 Ooo006 000006 •3•_ w?Tg *I., as>yt ¢ pc 9 c? e p e c • NMYIA-4° AmPOrN MQH?°Am POrNMI•?t v'1?OACDPO •O C C Sb a V O C E >E.s E 'n 7C7Mt7MM MMMIT tY7QK -win to-okn MtAlntn ?h-o • g ? $3go.?_BCpp?° t?B e e cCO C` C O O «.s O w• G[ i o P% S 90 ? ?'"'$ oootnh o NovhAv PvvMmco ON•-MM?p Cw Po mo r o n « e-? ?^ >? c o E E g Q o pooPNP hh02090 +oNao:e?v v <vh mr?n mrtn?h? o" E OOOM'OA cnomtnvN 004, U-1? MNr'00[ mmhh`0?0 r O OOhtnu9 W!Ki T `tMthMOX°) civi MM NNNNNN 2ec 5eoooe?? c 000000 000000 000000 000000 000000 M Y G m ?e OY e a `F m O O t O•-N M'Y'tn'Ohm 0.0 C'mtt u).Ohmo?O • 3 0 3 $ e e e° E 3 " c rNMV nIo NCOO,2::r rNNNNN NNNNNN =e n o ef'-aE EcO c a « gE ' mE_EEoa o-0 NER o o 'o Z a o o» e z 3 o o o E o v» U A ?>t 6.81 '6 o -,ae Ert° ° _5 EXHIBIT "B" 3542859_1 CERTIFICATE OF TITLE FOR A VEHICLE rr 102669999006010-001 3GCEK13M78G194036 201781 CHEVROLET VEHICLE IDENTIFICATION NUTAGER YEAR MAKE OF VEHICLE TK 1 0 1 1 1 6/25/09 GCUY TYPE i>1JP SEAT CAP PRIOR TITLE STATE OGOM. PROCO. DATE 5/07/08 1 6/25/09 1 5,640 1 7,0001 DATE PA TITLED DATE OF ISSUE INILAOEN WEIGHT GVWR REGISTERED OWNER(S) KELLY H BUSLER r"_---- 301 WESTVIEW DR MECHANICSBURG PA 17055 FIRST LIEN FAVOR UP. SECOND LIEN FAVOR OF: PSECU FIFIST LIEN HELEASEO DATE GY AUTHORIZED REPfr£SENTATWE MAKING ADDRESS PSECU P 0 BOX 67013 HARRISBURG PA 17106 pennSYL aura DEPARTMENT OF TR NSPORTATION 6 ' 1 .s.niY - w qVe daF: of Nam}. 1W C41kiq rwXVdw of Ole Ptoww ,m" tJup.•vbnanl ALLEN D BIE LER Trarlu LYmml ci xll "No W. p.:i n(-) tx ovnpany = Wd Ilaain in U. ifty" i rn er _ ui Its 5.rod wvxk 1 Ft Lrr •ta 1 Id'J'ran fnu mltal J ? T 1 }..-1?1 ?I?..'`'S "ia y'?'.:T ? -.. ... t? ??S1Ta ? Y. :'.???• ) NO 0 1' r „t,•IS,.tsq:scL. AJr. ?1VOP.IJ --- - - - - It r a}-then oNler then t?wr >;PGCr::e rs.listeld and you GIe?lpie b TO DFF('iRE ME. - bo listed' as 'Joint Tenants OVilti Flight of SumvivorahbiF ( t death of one goner, rifle rK%,e to stgvivelg mmrt) Cf•ECr HERF. Q Odummie, tilt M Ihll Se j.4.y1Jn41 as'T:;nal:li in Cnlmim' (On rLlr}rh of erne . . inwrest cf M, hisiL:A Ivies or esl.:t31. •_?'+::1:'_ __'4:J:T?a?i (.•F: __ A+}V:itq.l?l'IW._??}l _.__ _ - .__-_? __.___._ -_?__ _ r ; "s' r. •'r...:i;F: ,l:' T , , •,•, d[; nC =-!: r" 'q° Yc 9. Pirt r1[ry.NlEnt YE.`; ;.' NO_7 -°'?"V? ? ?.Ie1R.::t.C!', 7:f..t:tr n. a•.-fail ?. a:i?I :R;I,L4_II. ST.; TF. ZP UiI V t _ nf-. ?: 00 O .- v;::,.nn:_.r cc- P;a:izT^st ca:.c r..:w,•..en..;; :::_. CITY STATE Z!P 1 65949E48103 SU TITLE NUTeE 1717.59361 0 ODOM. up-ES .STATUS GCWH 1 TRL GRANOS ODOMETER Sr D . ACTUAL MILEAGE I . MILEAGE EXCEEDS TM Loan MECHAWAL 2 - NOT THE ACTUAL - NOT THE ACTUAL IWILL TER TAW800 VERIM A s EXEAPT VVION COOME IM OISCLOSUfE TITLE 4RANIX A a ANTIOUE VEHICLE C a C.4381C VEHICLE D a COLLEC'RELE WHI LE. F a OUT OF COUNTRY G . ORX}9MLLY WOO. DISTRIBUTION FOR NON•U.S. H -AGRIC3.TWNL L . LOSOM VEHICLE P : ISAVAS A POLICE HICLE R > RECONSTRUCTED S . STREET ROO T . pEOOVERED TIEFr VEHICLE V . VEHICLE (XWAN6 VIN W a FLOOD VEHICLE X . ISWAS A TAXI G a second 1-vender Im Acted upon wildac6on of Ilm 91X1 Earl 9m feel leNmvA+r amid fatrard Wv TRW to the oumw of Mohr Velgdaa Wlh dro agimplre4 tam and Tae. SECOND LIEN RELEASED DATE r I (TYNE OR PRINT) Certifica _i Title must be submitted Within 20 days. unless the Durci. is a reaistered dealer holdino the Jehicle for resale. 1 Ar^ u ?` {I f?+?" FEDERAL N4D STATE LAWS REQUIRE THAT YOU S Y Y /'A' [ V ' V l_I -TO COMPLETE OR PROVIOM A FALSE STATEMEN TATE THE MILEAGE IN CONNECTION WITH' THE TRANSFER OF G?tiT T MAY RESULT IN FINES OR IMPRISONMENT. RSKP. FAILURE ? IYg.WN AfWwnra [ongKe f-lMlAa WVG AJ ASSIGNMENT OF TITLE - LAST FIRST MIDDLE NAME m M alf. tl N + per` AWR OR FULL IANe untly to ft best of MyAo -M.ocope Mat Pu odomalw rYQilg k /TAME . TEwTI16 = CO,ptpCR w reAem " Actua no o of th .wi X mik k . r e a e c , ? ET S -loss ane of Ma fePmAnp boxes is diedfed: XI ADDRESS O Relkcn M. mogul d m+..pe El Is Har ow aeYd mWaappee '?, N wa:s,s d its rrlsdwlxwf ea•s WARMNe: OdmrW Qeaapnay IANe AoNov wrtly Pln dw vahkfa k fns of any onaan mice and MM IIN ownwshw Is h.nby PtmmoiSE P ftmi errsd to ON person(s) w the dww fined. STATE Sv OR DW SUBSCRIBED AND SWORN TO BEFORE ME: 1 140. DAY YEAR SfefUTURE OF PERSON MMMTU*f0 OA CO-PURC"ASEA SNa TtRE < Q C6PUI7C}1ABEAFXXM R MUST HAM HERE W 0 G- . - SMMnW OF R MtF? B. a vw. ,ft. to the best d mykw knddpe MW M odoosbr rssfg is LIST FIRST MIDDLE NAME THRfIM _ _ _ _ _ _ X Naas end Moods the acw ?meam d ft vddds. i "PO A M OR MM 91111*11M NOME wdm, M. of l ne foM." bs,es Is cbecsom "W" no 4= a n8aps ? Is NOT Ms adwl Ippe s COQ In eseass of 2, tnetlw . , Ifmpe WARraNCi: OdmnsM dse srrtEtT of !numb a =oW that the o.riwn,Ip Y b 4 o y ADDRESS persoor(s) p M deRfer tfarakrrotl b c L CITY SUBSCRIBED AND SWORN TO BEFORE ME Ma. Y YEAR'. PURCHASE PRICI STATE ZIP OR DIN S;OWJK P SIOwATURE J Q W ? ANppp ieAR E MUST Q MAW WME h o. _ SKtRIA RE OF SELLER u~i NMIE HERE • a! bWe =*. Iothe ban of n*oK Iswwk dps PW Ms adAahsMr IsMg Is LAST FIRST MIDDLE NAME X rMa and raaects ow acW Wass" oi Pis voMA. m RA L, . lNw eons of No roEo.rg bogie is chedtes o o gdfana ow awmw of niNbps o is NOT Ma a4td Idagps - C044-lR7NSER In owsso of ft madosrPmi *,A. WAFOING:Odwwelw lMk pnlfnweeAly the M vNxW k Acs d sny ancoafbrafnw and Put Poe pwrdip Is, weby M d d ADRRESS . e w Wed. trwdanad b Pts psrewo(f) or Orly SUBSCRIBED AND SWORN TO BEFORE ME MO. Y m on opt STATE ZIP PURCHASE PRICE Of PERSON A OATH ` PURCHASIER SKMTURE J Q W E 2 f CO?tJ?7164 A "LIST "ERE a Q SrkMTURE OF SIELIZA ? t FiAllgoJilITNAAfE f'IEAE • s a We eei ft, to the best of mpfar toadedge the On odofaelow Ias•rID is LAST FIRST MIDDLE NAME Teams - X am- wad r eft doe aobld wawgo OI Ma _hw.. PURCHASER OR RIU. wAI1E owwww IAxBSn nm of Poe Idi."V boxes Is dlaawm n Roped Me sv w d oft Is NOT Ms No mwope ;M CD•PIAICHA.RER ?V I. execs d e, noacfnm@al . WARNING: Oeefartr STREET ? ng 81Cwnbawim Ltd Plat Ow WwWa* in hweby fkel I n d l P l I t ADORESS nn eYra te peftg (a) .l a 0 OR I S CRY SUBSCR BED AND W N TO BEFORE PIE: F PU M E PRICC STATE c MO ,f YE . rbV-- V RE OF PcRSOM ADM INISTFAINC OATH PLUOCHAS4R VGFIATURE J Q c W f) C64UACHASER S .1 E PURC:FIASER AND/OR T ¢ USER M{ M, T H 0 a a g ? Q SIONA11ft OF SELLER SELLER MUST HANDPRIta NAI.f£ HERE I -1 nt-IFCIC HERE IF APPLjrAT1ON FOR DEALER TITLE AND i.nMPI-FTF SFCTI•ot, tl TITL INr FFFS S V °c m CD O In C U3 U3 m K m 3 N m CL N W CD S n m m m u Q to m m rn m m O a O { m EXHIBIT "C" 3542859_1 i PSECO 07/15/2010 Via Certified and First Class Mail KELLY H BUSLER 301 WESTVIEW DR MECHANICSBURG, PA 17055-5759 NOTICE OF REPOSSESSION AND RIGHT TO REDEEM You are hereby notified that your 2008 CHEVROLET SILVERADO VIN#: 3GCEK13M78G194036 has been repossessed by the Pennsylvania State Employees Credit Union CTSECU"). You have failed to pay the 05/23/2010 installment due under the above Loan and Security Agreement (the "Contract'j. The motor vehicle is currently being stored by: Richard & Associates, 3999 Spring Rd., Shermans Dale, PA 17090 (717) 241-5884. You may redeem the motor vehicle and terminate the Contract by paying the following amounts on or before 5:00 p.m. on 0729/2010. Unpaid principal balance Accrued Interest $34,702.70 $291.97 ADDITIONAL COST IF REPOSSESSED MORE THAN 15 DAYS AFTER DEFAULT Repossession Expense $350.00 Storage expense @S20 per day(7/14/10-7/30/10) $340.00 Late Fees $59.04 Total Cost to Redeem $35,743.71 Payment to redeem, must be in cash, certified funds or a cashier's check We will sell the 2008 CHEVROLET SIL,VERADO at private sale sometime after 07/302010. The money that we get from the sale (after paying our costs) will reduce the amount you owe. If we gat less money than you owe, you will still owe us the difference. If we get more money than you owe, you will get the extra money unless we must pay it to someone else, or use it to pay other loans you owe to PSECU. You can get the property back at any time before we sell it by paying us the full amount you owe (not just the past due payments), including our expenses. If you want us to explain to you in writing bow we have figured the amount that you owe us or you need more information about the sale, you may call us at (717) 234-8484, ext 3116 or (800) 237-7328 or write us at PSECU, P.O. Box 67013, -Horrisburg, Pm 17110-2990, and request a written explanation. You should also contact us if you are unable to pay the foregoing amount in full prior to the above deadline: PSECU may allow you to reinstate your loan, if you qualify, upon payment of the arrears and additional costs only. We are sending this notice to the following other people who have an interest in the collateral listed or who owe money under your agreement: (Names of all other debtors and obligors, if any) You have 30 days to make arrangements to take possession of the personal effects found in the vehicle. Failure to recover them in this time period will result in disposal of such personal effects. Sincerely, Lisa Reeser Account Advisor Pennsyivanid State Einplo; Main Address: I Credit Union Place, Harrisburg, PA 17110-2990 - 717.234.84 Mailing Address: P.O. Box 67013, Harrisburg, PA 17106-7013 - 717.777.2100 (TDD) - I This credit union is federally insured by the National Credit Union Administration s Credit Union • 800.237.7328 472.1967 (TDD) psecu.com of Opportunity Lender l QFF ft.sIve 3 3 0 o CWMW Fw o ° - -i{enrn Receipt F+e ° ru co o Ke(fv H_ E VERIFICATION I, Matthew M. Hennesy, Esquire, verify that I am the Attorney for Pennsylvania State Employees Credit Union, that as such I am authorized to execute this Verification on its behalf i The signature of PSECU's credit manager cannot be secured within the time provided for filing this Amended Complaint. A substitute verification signature will be provided promptly. I verithat the facts set forth in the foregoing document are true and correct to the best of my knowledge, information and belief. This Verification is made subject to the penalties of 18 Pa.C.S. § 4904, relating to unsworn falsification to authorities. Dated: c/ 0 1 By: Matthew M. Henne , Esquire 3146388-1 CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing Amended Comp has been served on the day of July, 2012, via first-class mail, postage prepaid, upon: Andrew C. Sheely, Esquire 127 S. Market Street P.O. Box 95 Mechanicsburg, PA 17055 By: BARLEY SNYDER Shawn M. Long, Esquire Court I.D. No. 83774 Matthew M. Hennesy, Esquire Court I.D. No. 307020 Attorneys for Plaintiff Pennsylvania State Employees Credit 126 East King Street Lancaster, PA 17602 (717) 299-5201 35428591 F a Andrew C. Sheely, Esquire Attorey for Defendant 127 S. Market Street P.O. Box 95 Mechanicsburg, PA 17055 PA ID NO. 62469 717-697-7050 (Phone) 717-697-7065 (Fax) andrewc.sheely@verizon.net PENNSYLVANIA STATE EMPLOYEES, CREDIT UNION, Plaintiff VS. KELLY H. BUSIER, Defendant FILED-OFFICE" ,r THE PROTHGNOT R ;` 28`12 JUL 27 PM 4= 00 CUMOERL ND COUNTY PENNSYLVANIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA 2012- 3696 CIVIL ACTION - LAW Defendant, Kelly H. Busler, by and through counsel of Andrew C. Sheely, Esquire, hereby files these Preliminary Objections to Plaintiff's Amended Complaint and respectfully states as follows: 1. Defendant, Kelly H. Busler is the defendant in the above-captioned matter. 2. Plaintiff's Amended complaint is in the nature of allegations of a breach of contract action by Defendant Busler and seeks counsel fees and collection fees in addition to principal amounts due under an alleged loan agreement. 3. Plaintiff's Amended complaint attaches a copy of a signed Loan Liner Application and Security Agreement as Ekhibit t 7 "A", a general loan disclosure form as Exhibit "B", a copy of vehicle title as Exhibit "C" and a Repossession Notice as Exhibit "D". 4. Plaintiff's Amended complaint fails to attach a signed general loan disclosure form agreement executed by Defendant supporting Plaintiff's claims for attorney fees and collection fees as required by Pa. R.C.P. No. 1019(i). 5. Plaintiff's Amended complaint fails to attach a,signed general loan disclosure form agreement executed by Defendant therein supporting Plaintiff's claim for collection and attorney fees as set forth in paragraph 9 of Plaintiff's complaint. 6. Plaintiff's Amended complaint fails to attach any signed document executed by Defendant supporting Plaintiff's claim for collection fees and attorney fees as set forth in paragraph 9 of Plaintiff's complaint. 7. Plaintiff's Amended complaint in the above-captiioned docket should be dismissed in its entirety pursuant to Pad. R.C.P. No. 1028(a)(6) as a result of the pending action at 12- 1377 pending before this Court, or file an appropriate motion consolidating both actions involving identical parties, issues and claims. 8. Plaintiff's Complaint fails to comply with Pa. R.C.P. No. 1028 (a)(2) by improperly raising additional claims for special damages including collection fees and attorney fetes in 2 f paragraph 9 as opposed to setting forth separate counts for e claim in the complaint as required by Pa. R.C.P. No. 102'0. 9. Plaintiff's Complaint fails to comply with Pa. R.C.P. No. 1028 (a)(2) as referenced in paragraph 3 above by failing attach required written documents and by attaching impertinent documents to the Complaint as Exhibits' "C" and "D". WHEREFORE, Defendant, Kelly Busler, hereby respectfully requests that this Honorable Court direct that Plaintiff' amend its Complaint so as to comply with the Rules of Civil Procedure and separate its claims in separate counts, all as required by the Rules of Civil Procedure set forth above, or in the alternative, dismiss the Complaint as improperly filed. Respectfully submitted, Julyl7, 2012 By: VicVew C. Shy Esquire Pa. 'ID Div!62469 127 S. Market Street P.O. Box 95 Mechanicsburg, PA 17055 717-697-7050 Attorney for Defendant, Kelly H. Busler 3 VERIFICATION I verify that the statements made in this Proliminar Objections of Defendant are true and correct. I understand tha false statements herein are made subject to penalties of 1 Pa.C.S.A. Section 4904, relating to unsworn falsification t authorities. Date: July o17, 2012 Kelly H. io6sier 4 cERTIFIC 2E OF SWVICZ I, Andrew C. Sheely, Esquire, hereby certify that x am thi day serving the foregoing Preliminary Objections of Defendant t Plaintiff's Amended Complaint upon the following name individual this day by depositing same in the United State Mail, First Class, postage prepaid, at Mechanicsburg Pennsylvania, addressed as follows: BARLEY SKTWR Shawn M. Long, Esquire Matthew M. 8ennaey, Esquire 126 last King Street Lancaster, PA 17602 Date: July ZI , 2012 s 12-3696 l e?4 PRO T400 TA b, BARLEY SNYDER Shawn M. Long, Esquire Court I.D. No. 83774 Matthew M. Hennesy, Esquire Court I.D. No. 307020 126 East King Street Lancaster, PA 17602 (717) 299-5201 PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, Plaintiff V. KELLY H. BUSLER, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 12-3696 PRAECIPE Attorneys for Plaintiff Pennsylvania State Employees Credit Union Kindly mark the above-captioned matter settled, discontinued and ended, with prejudice. BARLEY SNYDER LLP By: Shawn M. Long, Esquire Court I.D. 83774 Matthew M. Hennesy, Esquire Court I.D. 307020 126 East King Street Lancaster, PA 17602-2893 717.299.5201 Attorneys for Plaintiff 2912 DEC 19 PH 2: 19 IUMR,E?LAND COUNTY fPtSYLVANIA 37807511