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_ _ _ _ _ ~ Darrell C. Dethlefs, Esquire TNr PR~~~a ID # 58805 Dethlefs-Pykosh Law Group, LLC ~~~2 AI~G 30 AN 2132 Market Street Camp Hill, Pennsylvania 17011 CUM~~~~,A~ Telephone - (717) 975-9446 p~~'~'LY~~~ Fax - (717) 975-2309 ddethlefs@aol.com Atto ey for Plain iff AMERICHOICE FEDERAL IN THE COURT OF COM ON PLEA CREDIT UNION CUMBERLAND COUNTY Plaintiff, , v. , No.: 2012- ~ lm WALI T. THOMAS, . Defendant CIVIL ACTION -LAW NOTICE You have been sued in court. If you wish to defend against the claims set forth in the followi g pages, you must take action within twenty (20) days after this complaint and notice are serv , by entering a written appearance personally or by attorney and filing in writing with the co your defenses or objections to the claims set forth against you. You are warned that if you fail o do so the case may proceed without you and a judgment may be entered against yop by the co without further notice for any money claimed in the complaint or for any other claim or reli f requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YC~U DON T HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BLOW. TH S OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. F YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BFr ABLE T PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEG L SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERENCE SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 South Bedford Street Carlisle, PA 17013 (soo) 99o-91os ~ /0 3. `7s' ~ o2d°OD/ THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED W?LL BE USE FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR i EL AVISO Ustedes han sido demandados ante los tribunales. Si desea defenderse de las neclamacio s establecen en las paginas siguientes, debe actuar dentro de los veinte 20 dias despues de a to denuncia y aviso sirven, introduciendo una aparicion escrita personalmente o por abogado y presentar por escrito ante el Tribunal sus defensas o las objeciones a las reclamacio s establecidas contra usted. Se advierte que si no to hacen el caso puede proceder sin ti y a sentencia puede escribirse contra usted por el Tribunal sin previo aviso por cu~lquier dine o reclamado en la denuncia o cualquier otra reclamaci6n o socorro solicitado por el demandan e. Pueden perder dinero o propiedad u otros derechos importantes para ust d. DEBE TOMAR ESTE PAPEL A SU ABOGADO A LA VEZ. SI NO TIENES UN ABOGAD , IR AL TELEFONO O LA OFICINA ESTABLECIDOS A CONTINUACION. ES~'A OFIC A PUEDE PROPORCIONARLE INFORMACION ACERCA DE CONTRATAR A ABOGADO. SI NO PUEDE PERMITIRSE CONTRATAR A UN ABOGADO, ES A OFICINA PUEDE PROPORCIONARLE INFORMACION ACERCA DE ORGANISM S QUE PUEDEN OFRECER SERVICIOS LEGALES A PERSONAS ELEGIBLES A TARIFA REDUCIDA O NINGUNA CUOTA. LAWYER REFERENCE SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 South Bedford Street Carlisle, PA 17013 (800) 990-9108 SE TRATA DE UN INTENTO DE COBRAR UNA DEUDA Y CUALQUIER INFORMACION OBTENIDA S UTILIZARA PARR ESE PROPOSITO. ESTA COMUNICACION ES DE UN COLECCIONISTA DE DEUD Darrell C. Dethlefs, Esquire ID # 58805 Dethlefs-Pykosh Law Group, LLC I 2132 Market Street ~ I Camp Hill, Pennsylvania 17011 Telephone - (7l 7) 975-9446 Fax - (717) 975-2309 ddethlefs@aol.com Attorney for Plaint ff AMERICHOICE FEDERAL IN THE COURT OF COMM.. N PLEA CREDIT UNION CUMBERLAND COUNTY Plaintiff, . v. . No.: 2012- WALI T. THOMAS, . Defendant CIVIL ACTION -LAW COMPLAINT AND NOW comes the Plaintiff, Americhoice Federal Credit Union, by and through its attorneys, the Dethlefs-Pykosh Law Group, LLC, by Darrell C. Dethlefs, Esquire wltto files this Complaint (the "Complaint") against Defendant, Wali T. Thomas, and hereby alleges as follow 1. Plaintiff is Americhoice Federal Credit Union, duly authorized to conduct business within the laws of the Commonwealth of Pennsylvania, having a principal place of business located at 20 Sporting Green Drive, Mechanicsburg, PA 17050. 2. Defendant, Wali T. Thomas, is an adult individual currently residing at 284 Gleim Drive, Enola, PA 17025. 3. On or about September 1, 2010, Defendant applied for a personal service loan from plaintiff. A true and correct copy of Defendant's personal service application is attached hereto and incorporated by reference as Exhibit "A." Plaintiff has redacted personal data from Exhibit A. A none redacted copy is available and will be produced for Defendant. 4. On or about November 18, 2010, Defendant signed the "Loanliner Credit Agreement". A true and correct copy of Defendant's "Loanliner Credit Agreement" is attached I hereto and incorporated by reference as Exhibit "B." Plaintiff has redacted personal data from Exhibit B. A none redacted copy is available and will be produced for Defendant. 5. An addendum was made to the "Loanliner Credit Agreement"on November 18, 201 . A true and correct copy of Defendant's addendum is attached hereto and incorporated by reference as Exhibit "C." Plaintiff has redacted personal data from Exhibit C. A none redacted copy is available and will be produced for Defendant. COUNT I -BREACH OF CONTRACT 6. The averments contained in Paragraphs 1 through 5 above, are incorporated herein reference thereto as though herein set forth at length. 7. Plaintiff agreed to extend a principal balance of five thousand dollars ($x,000.00) to Defendant. 8. The personal service loan has an interest rate of 12%, as shown in the addendum to the Loanliner Credit Agreement in Exhibit "C," and is identified by loan ID # .....1251. 9. Each month, pursuant to the terms and conditions of the Loanliner credit agreement, Defendant was responsible for paying a monthly payment of one hundred dollars ($100.00). 10. Defendant has not made a payment since May 28, 2012. 11. Defendant breached the terms and conditions of the agreement between the parties b failing to pay the balance due or make the required monthly payment. 12. The full balance due and owing to the Plaintiff on the aforementioned credit card account as through August 31, 2012 is $5,271.83. 13. Defendant has breached the terms of the Loanliner credit agreement. 14. Although repeatedly requested to pay the principal balance and finance charges by Plaintiff, the Defendant has failed to do so to his detriment. 15. Pursuant to the addendum to the Loanliner Credit Agreement in Exhibit "C," the Plainiff is entitled to Collection Costs, which include all costs of collecting the amount owed, court costs, and reaosnable attorney's fees. WHEREFORE, Plaintiff, Americhoice Federal Credit Union demands judgment be entered against Defendant herein in the sum of $5,271.83 plus interest, attorney's fees, and cos s. Respectf 1 submitted, Q' Dethlefs y osh Law Group, LLC Dated: ~ I .Z Darrel ethlefs, Esquire Attorney ID # 58805 2132 Market Street Camp Hill, PA 17011 (717) 975-9446 Attorney for Plaintiff I AmeriChoiee• `O SEerangGreanOriva Idech><nTcsburq,PA 11050 F -_i-.... rco~rr~r cunn vulon 717LBTS1T4 l~, ' ? i~ a Buifdino Re!alionsnips Fur Li,`c 800":9.dYo-1 r,~~i r. ~~p(icatio Individual Crodit You must Ix~mplete the Applicant section about yourself and the Other sedlDn about your spouse ii: t. you live in or the properly pledged a5 coltatBral is IDCated fn a community property state (AK, AZ, CA, ID, LA, NM, NV, TX, WA, Wt), 2, your spouse vJiU use the account, or 3. you are relying an your spouse's income as a basis For repayment. If you are relying on income from alimony, child support, or separate malntonance, complete Iho Other section to the extent possiblo about the person an ivhase payments you are relying. Joint Credit Each Applitxnt must individually complete the appropriate section below, ff Ca-Bortower is spouse of the Applicant, mark the Co-Appll©nl box. Guarantor: Complelo the Othbr section if you are a guarantor on an accountlloan. Chock below to indfcato the type of account(s) and type of credit for which you are applying. Married Applicants may apply for a separate occount LOANLINF~ Accauntll_oan. Individual Joint (including A7M/Debit Card Access !D he Account if AvailDb/rt) Amount Reque5tcd $ 5, 000 . l70 PUrposelCOilateraL• Personal Sv LOC ?ersonal Service Loan Li[~SECIT_'LD LIIv"E 0° C3EAiT Repayment: ?Payroll Deduction []X Gash ? Mil[tary Aitatment ? Automatic Payment PAYMENT PROTECTION Are you interested in having your loan protected? ?Yes QX No ff you answer "yes", then the credit union will disclose the cost of this voluntary payment protection to you. A sepcrate election which discloses the Terms and condlttons must be signed for protection to be effective. APPLICANT ' ^ly) 1 ' C_. e t i , ~ ~=~~R ~CO-APPLICANT ? SPOUSIE ? OTHER NATAE NAME w;-.LI T>;szQ 'riot+.As PASSWORD ACCOt1Nr NUMBER PA55LVOFiO ACCOUNT NUAiBER SOCIAL Y R O ATE SOCIAL S'cCURITY NULiBER DPo'ferTS LICENSE NUl.1BGR5TATE AGES OF DEPENDENTS ckfAR.AD~tE55 AGES OF DEPENDENTS EAIAR. ADDRESS 0 0 0 D D D G 6:THOASAS155•~NSN. COt-0 - H6tTHDATE FIOIdE PHONE BUSMIIc55 PIIONFA;XT, BIRTH DATE HOME Pr10NE BUSINESS PFONclED(T. ?I'~SENT ADUiE55 (Street • C3y- SLiW -Zq) wN RENT PRESENT ADOKE55 (SVlnl • City • Sfaln -Lp) OWN REYT 228't Clei1R Dr GT AT RESlD'cilCE LENGTH T RESIU • 't Fnola PF 17025 9 Ftonths PREVIOUS ADDRESS (SVcrol • Cily -Slate - Tip) INN RENT PREVIOUS ADDRESS (Sweet -Gly -SL~tc • Zip} OI:T! REM -1902 Czr1is19 Pike 1:397, 6lechanict LPNGT THESID !CE L GT tqT RES 'Cr 30 >'tauChG COMPLETE FOR 10tNT CREDIT, SECURED CREDG ORIT• YOU LM tN A COMMUNITY COMPLETE FOR JOINT CREDIT, SEClIREO CREDn OR tF YOU LR'E IN A COMMUNITY PROPERTY STATE: PROPERTY STATE: ~JMRIED OSEPARi~TED ~UNLiMRIEO (SinO'.u - Dicarcal • Yfia.O~tivd) MARRIED ~ SEPARATED ? UtJ1.fARAIED (Sir:yln - Dntttad - WiE~,~cadl EMPLOYMENT/INCOME' EMFLOYMENTANCOME': NA61E AND NAR1E AND ADDRESS OFEI;Ltity Financial Solutions ADDRtSSOF EMPLOYER EI.fPl.OYER 154 4T TTign St, Red Lior., Pa TTTLE;GPJIOE START DATE HOURS AT WORK TIIIFJGRADE START DATE HOURS AT WORK Acct Re0 D1/O1J1.999 40 SUFcRViSOR'S tW.tE 1F SELF EA1Pl0YED, TYPE OF BU51tJE55 SUPERVt50R'S NAME IF SELF E!.IPLOYED, TYPE OF GU (NESS NOTICE: ALIMONY, CHILD SUPPORT. OR SEPARATE AIAWTEALVJCE WCOME NEE?] NQT BE NOTICE: ALIMONY, G1111D SUPPORT, OH SEPARATE k4:fNTENFNCE WCAIASE tvrc.ED NOT BE REVEALED IF YOU DO N07 CHOOSE TO f IAVE IT CONSIDERED. REV"cALED IF YOU DO NOi CHOOSE 70 HAVE R CONSIUEREb. EAtPLOYMENi INCOME OTHER INCOME et.IPL0YRIENT INC0k1E OTHCR WCOktE 5 3, 462 , 00 Par 3lonth_ g 0 .00 por T•tonth S Per DfontlL ~ per i•lOnttl NET ~ GROSS 'L SOURCE NET GROSS SOURCE ' MILRARY: IS DUTY STAT lON TRANSFFSt EXYECTEp DURING NEXT YEAR? YES ? NO MILITARY: IS Ol1TY STATION T WWSFER EXPECTED pURItJG 1•JcxTYF..AP,T ? YES ? 17D lb1iERE ENDING'SEPARATION DATE wHEAL• ENDWCm'SEPARATiaN pATE PR=VFOUS EI.IPLOYER P7A1,IE MID ADDRESS lF Clt?LOYED LESS THAN STARTItr'G DATE 7RC-VIOUS EMPIAYER NNAE ANb ADbRFSS U' EklPLOY<D LESS THAFJ STARTING U.4TE Fns YFJJJS Fn'E Y••"' ENUOlG pA7E C_NDING DATE REFERENCE RELAnoNSHIP _ . REFERENCE Rev,TloNSttIP NAI,IE ANO ADDRESS OF hT:,REST R=_IATM NGT LMNG:'!rr}i YOU COllS In IJA61E PNn ADDRESS OF r.'2AREST RELATIVE NDT LIV177G WTTH YOU HOME PYi0N6 HOIAC PI ION6 Raheem Dat~sey 862-772-9919 13 =_le<:dale Dr, t•Iechanlcsburg, Pa CUr.A MUTUAL GROUP, t^fl0, c. 6,. &d, b0.4o. 21`•39-01.07,09 ALL HIGH75 RESERVED PAGE 7 i ~`i'Hi•:i`YOUOWE } CtiELRtlRlt:,!tEDTNF.RT}FiQlZ41t5L'ftEDliUtAC(i ;YSEREST { ` ` (Anadt ae:Iic:or..U sbce~{s} it sr-cr,~ccyl RATE j PRESEtG B~.tJ.1iCE { h}3t1TMLY Q:TED 6Y 1 6G3532u5S52 TwUr CB5G CF+R~ I PrYt«E1.r, aPauc;.r,: o ca { 2C3%fi41CI00D7 1:SSC,n= Ci3?tJ S ~=,57:.G0 ~ Si.DO x ~ I IS 10,OC Z~.Ou k t i I ]t ilt tt77S 104E G`:P ~'iir L=D'-~ i ' C ~0152'T4~27.~. Gci+L;.__ :•55.0 11,OJf Y. i nt: GP,~., GtRt3 IS :25200963 ItJS'r.? bt.^~C?•c LnPJ 5^0.00 p-.OQ a S 259.00 g, 00 f Y, ! 'S°lg2<<ri9~i25 GcMBLO'T3!?C ~fl.!] s a,GS~.oD~, hz.oalx I' 1 :.f rg?it: ; °SG7055: Iiutilt~.:: CLD.i, _ S ~t5.00 7.G_001 X ~e~36s IPctc;:.:.s~it~ccL 5 116.:67.00 s,2afi.'eG x ; I 5o.i3335~3 ~r'h CP?'DiT itJTO Li:45S IS 13.5?..GOIS :]52.00 $ ~ 1 I I $ IS i is ~ { I I $ Is ! 1 i s s ~ 1 i L' ANf rIA?.i£S L"7DEP, llWQt YaUR C?=DtT (Z<<_°REt1GES htt6 CP,f:DIT.IhSrQRY CA!; D£ cHrOxEO: 70TALS $ ? E 9 ~ 7 ='s . iD $ 1 ~ ala , 0 p f tJJHATVOUOWN _ usTLOra~tono~rROPERTYaRrtNu(c1,~Ltisnn,~ton nt;,er(~;vxL(rE ' ~cEOSSCa+.Ln'rEr:~L o:m~aY - _ - Fa$AHDTHER LbAH PPi)l7i.HT OrHF, ItvUSr I x294 t3LEiT•f t7R, c1~T4L;c, S 259,000':00 tr;, na A'v""=D 20ZG 'irl CC .;i;r.85?:2 S 0.-a0 T£5~ t:0 X zT?T'i) 200y ~PRSS P1Si3 S G.00 Yes „a I 'X Ii:°+E8^ 2RD? 3003 )i 2ND SiR u.3U4G (SET:LIt'Tu) $ G.tSO YES \D h S 0.00 Y;.S uo I X 5 J.00 YES NC', X o.eo Y£$ rtn' ?C s I t1.OG 'r~s ,td X I S O. QO Yfs ND { t?i -IER~{NFOTthtA71ON ASOUT~.YOlS - iF Ya0 AN5WER'YFS' TD A»^! QU25T(Dn t]iHER Trt:,at ~t, tXPL'JR Ort Ati A: ACHED SHIFT .MPIY;,~ OTl+.tlt 4~---~ . i i- wTE YOU.,tIS.GttL=~40RPF-R?.iJC':£%,T ~ESAE.tT-AL(£^~? X I { ~ LOYDIrCURRENTL`1HAV£Antra(7rS7av~JUtGlllrSGt~r7TStrY.PACEYOG.SYiRrtLLDFORERh".t?1TijiCY_ftr.DRC£OtgDlUSitdER7F'tA:( 1 .A:t'rfi{:,1EUlltiriFR G,N/~FTER SI, t~D P1-Y?~7Y FORYCI~.^..",r;O DPDN 4R fi~QIIS:.E~ EU GV 7HE L.•S'T 1Yfl~: DR a£E.I AP:.RTY lit hl.AYt.''.tl(1? ill~~~•-------------~~;t{4 I?. ISY.1URtNC.P:.t[L:F,ELYTOt+£dJ:tEL'.iNEHEIiCI'JICYGARS? A. AHEYO(ttC.O-TAAK~~C451~ut1ERCRf~L'Art.yTOROttll'1YLDAriflOtL(SiEOi.E(t1t:? I f s9R'7a(t}itt!jFtWO$rY:O~i~':wrr.Le:,n'~ TD1591.'>11;>~.^,ur14c-Saj: >__._.,...~..1 ~l"ATP 1J11iV NOZTCES; OHlO ttEStOERt75 OP1LY: -The Ohlo {al`:~ Credit Union i5 furalshed a copy of the agr~ment, s•,atemenl ar decrea, oc has - ~ - against discr3in{ngition requfro that a1{ cred{tors actual knowledge oT its terrns, bstorc lhn [redil is grdnt~d for the accnunt { maxc ctedt equafly: arailabla to au as~Yrorlhy custtmer5, end that cTedtt opened. (2) Please sign if yr~D arc. not applyying for lhrs mourn cr loan ~Yitl1 { repDrtirtg agettges n±.zlntain separate credit histories on enWt individual upon your spouse. The crea(t befog applied fDr, {I granted, tivH hr incv; red in tl;e rep, uc5L Tho O1tiD Cjvf{ Riottts Cansm{ssiott adminiSTCr compliance YtilF Uus Interest arthc marriage cr Tamtry of (he undersigned. t..t . t (L':9SCONSIt4 RESIDEN75 ONLY: (t) !o pravi5{on Di any trarital propPry. j a,rc(-rent, uniWteral I:Iterncm under Sectttm 7E"n.59, er coG~ :decree tmd_r ~ o5%vl %~::'-C t S c(ton 76G.70 vritt adversely nltect the tights of [ho Credk UnTan unless the s:GVlTL'aL FeR ::^.S::btiStr: n[srosrt o;tLY o.;rr ~ , . _ _StGNA7t1AE$ - you ~Dn!sc that e':erythi~g }rou tta:•e 3tatrd in this application is Cnrttc[ to Ute file Credit Ut~on vii! rely on die inTermatian in this appliccUofi and your credit I "est of y~sr {uhotviedge a~ that the abL'Y_` information is a eompte(_ itsttnn n` rc, at w make its derision. !t you requPSt, the, Credrl UniDry v.iTl t^It y;~t, this 1~ 9oat you rnve. Tf there ani ryny Imptrtani cr:nnges you Tvili notify us in wtiflno Warne and address Dt 2ny cedit bureau from v:hir.h it ret:eiv~d a crctttt reron i un ;;t:drately. You authorize the Crndit Union to obtain aadli .reports In oft }rou. It is a fc~?cral crtmc to v+l{Huffy 2nd c1eTih~ate{y ppttovi c incnrrp;e-~ ur i co.;rrc~~tich wi!h this apn{fcation lot ~zdtt and for any update, increase, Incorrect inrtxrt;ali~r ort loan applications mada is tadcral credit unionti Dr rcn xal, exLnsion er coi{tecGon Di t:l~ crec'it rocelved. Yeu undLYStand that state cltanered credit unions insured ty A!CUA. ~f ~ ~ (sErt.19 of/.DIG'; (sEatgs_ /a_,...o=a i {:{i:X - - - f' ~ I X a rz I '.r rM.u,.,F!.TS .,1., utUgE LnTk OTF:.R SlGttr.7L'HE O;,;t 0 z:: ;FOl2 Ct2EDtT.UNiON USE ONLY'- ` 1 ~YPRD`JEU rsP>?aven 5:uHATURE _L';r OF G!EI:1T GntrR LT?F.L. ~ t':EE. ~-I' U,,t7Rf. L2.JiS. ~ StrGZC,,, rER I ^EratEa - x (,L:~acrsc %.ai.~xf ni eSr:c3 ~ ~ 5 L'_Ci,$ ~.1 g~,j e .Cy{ 1 : ; O:?h=F,n CG'.R!Ei.'TS fl 4 sce:.tueFS, _ I a~ r ~'M1 1 "~i:iEt~1C'r?UiC~ FEDERAL CREb1T t]NiQ~i ~ L ~ ~ ~ ~ K~ ~ .~5po;ting~re,.;rbrse ~ b7.~s~~` _ i,'C•Clci IC.~Llf~. PA 1,00 - ~~~^~!':1.LC i. ;.~__..-ii• , ~~`}I__:i x!~:!~~ ~ - ~_~~S.3 V31..FK~ ± ¢r3:1 a``4.~t V,1~_ _ij4:_`. .t1~'I 'ix3\)1'S71S} I _ 1':::J _~_-_~~.~L::I:~i~ t:11~ i.{;:i i ti~ L(~hi~1L!1'ii15 t:r~:'t t llrr~n~nt i~i1;c11 inctUde~s tTle Tnrttl in L°;;aln lUC{^SU.%5, ~J IiJ~~'~"aa~ - ~ ~ CRi:DtT L1tt7fi - ,.e n.il;, but do no[ h:+:a la~~ iish a cra;;' i' t i,•~+~rtE(! l? d5 U,_ r!3!C Tice °ian tf~Cl!nl`tiiS (nC!Ud:! fbi: ;_,rtr3,Tt~'ll tslld ,7r Ey {k ,dnL ijr, .C!%5.., ' r' ~a t', •}'lUf' E r:~ ~ r•t r 1 SU•'4 COUntS. Il ~ CF~+di! (Unit ii Sct lOr n sill? -.CnSh., j'Gl ,rYron):a- sat :'J t i." : ~"'"J'' "gin l ! 'ut,rrt r' rr.~.n am ;!arser: l:'ho SI ! nl3t CSi r + r t ,Y; . Rnu 1. aihlStted credit fn11!. It jraU cX_e d i11C rfr'Sit G:i.;G rcU (::Ii1ni5@ tC'r•~is;t' 1 ri c~^ :iI ~?i; `Y;E, "CU;'• ,ir~p "lt~' t1},'.a" li li(id!t_!,jnitll 1':i16~3 i ,z,1T19 a"Stp9=r5 iTtrtVdfEiC!}` lh? 8ri~4UU!'„'hiCh (?;C94 S 1{i~.' "i'^.G'C !i!TitL 1iE~' 1''rt[i C:' :ij, 7L:9 IU :;'i1Dnt !lic i.ri`:i4i l~n;{yit lr'a;?a Erg liS li~tii5 (fi`.d'er tl:B ~ ia!!. 3, aEPAYral:ttT - Yp(i QfU7i~+' !r} rrp?`? ~;i ,I(;I~(l,",!5 c;3 s:~`;'C t:ns:Cr ih!t a!t+_ 1.::Ct'. Tfi1S PLAtt t'fORitS This is an eesa-aad, tnu!ti-~aa?Lr~a (:r:dil ;ilcn. i;iL:asL Pa;cnsnts ar:, du%± en ;h~ lzst da •a! t~:a niunth +~ns s ~ , ~f;~r,. c i . 2niiC'.",~i::; Ifi1:, :i0nl ti!lit' iQ !it:'r=, !i0!; 1';I~ »'rtTi0':~ rnvn~t~ (Ci.!;~1Y, "'nrJ1'7riC°P"• ! s1 t ~ ~ 4~,..:_. t]i !5 , r 1 i !ll' t(in.. 0. ~n ad':anc?. tt 1!!E ti7:!riii:i)i1) !?=5 n0 ~:t',`t'{I:Ciit BCii?:',.•s t(;~ j ; "~s8t ii: ~ ~'fP IIr0 nCl rCQblr2d to in3kn $tip3nCES la yne ilndor the Pial and StJCZCEt~Unl, y^'Jr ,Lta+ftncnt 5'fii? Lit'.!?lini^v;i t th?!?i~IP. Ll',E~Ch~!14~1fiC'v. i''! nL'!3!F. ;EiL`52 .d t@(tUCSt.{i3r-60.ad>.'arte At snyt lim9. Ttl. Atldsrd+t±~, des'=.rbes ih_ mgt inciu~ nr:y artlcunt, zst ~?tiC i:!3i! any ancL'llk !lj t':ltif t YuU !~3.c G~i:;,! FS ail`,' j ' G I `tt t,.{,! t1;3„ ,{aULt...~ i't,rlS / ~11t21Jtd :ln~~r lr;e :'init. itlrS Ctlf; ar.l EfLai! Umn yell haf'L !:sen nr: R IGS SIIt12Cr;Cilnr. Y4tt rt!.lrr / " i;i , _t i1t° t~;i ??„t'i St!i3GCuUtlt ?Y~r~,.-".SCa "c$ ~ d31! n?rir<~`IL !c'.!2 HRH 't'Q:; 0::'@ at ?njt tlme ili nrrn.., rcUSf ?~t ?3. !:.v _ Q r. G^ _•:{+(!{i'l 3filiU,':! ~ Q`~ ' ! i~' 2- 1S7 t+11i Eil}' __..,rnl'!4i i70n:dR'. ,4E6 }t lH r'i+i1=.'. ;'"1E1 ,i t!''i.. -r>~`. _nt3C~L ntE 2T1+) citcr d.c:rgeS. ii to ' ?!S7 h. C ail't3r ~ ~ t r,Ts ?n{i 3 s,tl~J:tic i•~r Lt'!ErrniriiF: t!?G ~ + - ` J:;:,rtst nl atilnl.ilf;:• • C J _ 3i ,lit tt lcCir:rd isrd rah trig LQA;1LttiEP,' Cretft h{trcentent rr LOAfi:I{idER" zccaunts yyou have w1lh us nau and to the }orate to seas a t:ha! ~cu ewe ndcr i ?t,5 u ~c?:cemzni, in~1n91nn tt!e i;ddsst3um (`ijgr¢in?rst') arld 8cr„i.er the LDAtlLIitER" Credit Agreement ar LDAtlL{tIEA= Cre tt/Sesurit A *ze est. y g, r-pj+ of ih_ '•_Cii;~L!i~~8' crCS;t ~>?,istyt~; t5gteesr,?ni. ind l/o(Ur>~r! Pad m~,s:, tNhen you are In dafzutt: you aathnnze u5 to apply lho ba ancE l:l thew asE unl: i=tC!3Ct~~n. Fir C~,:dit lnsi,rtne'~_onty, ~teu and.rs!and tha4. enso;lnlart ap!ia; to to 2ny amounts dua. Shares and denaslts to an iRdlv{de (REtiremunt Acc snt. . ~~:cun~~ under tits ~gic;lT;n?. ?i signet} halx:a Iva a~,a tc bound t;.~ rnd any othar account that r4Uld ~iese snec3at :dx traEsimant Urd9r eta ^ .:r _ At.* tG°m,~nt i '"t` A9 Edsrai talY it siren as seeusity.. arl3 stir suhJsEt to Dte sedurlt; latcre5l ucL avb ".~Yn_t Llrn!!u a see(I;it}; t:;t2r?shin al! In;fliiJual 8401p1nf S',•la>c. aud,ur depesil eieen in year shares and da!?osrls. } = _ z r ~ - l x..,:11/ 8 j 10~ r l - . 4_r,.5:w.i1*.s"~{;lil.~''~~ailr'~ rt~SE ~Or? ~:rE251~1:aUpE f,;:c CUhA ll~utual lnsunnc3 Socid<; > itladison, b'll 5S'r41-0391 • shone: SDQi937-20}4 -i'cu° qr "Your" rn+w ns tha mamh2r r!?l`u' tt! jnini irtsurcd (li irpplicahtu). it,~s cl>.arges lh_ same ~ iE accru+_>s en amcuns<_ of adl~ar;~as ~:hl.h ere 4ijc c ir:, *eui{ !n;ur ncc 1~•."alut[tary aucl nat. rt~quirad in order to otitein yaurlaan.'taa m2;' `r'nu; li;an Ralsnba, . = 1 ir;cl?re et tour x^.Ile~.e. Yea t»:a cst~!ishQ3 art uae(l-end l cRn P{Rn ::ikh l~tl tiOT S1Gt,1 Tti:lS APFLICAiIDid tE 4 s' COE'TAItlS t,FJY Bt.ANK SPAt:t?S. ~i>. =~e ;r>i;t ilni~l!.'+arr Le~;R Pt;irt may cas!si ±~i ens crmare~.Gans.';~u a(' apnlEflg aR7;tsettan [s told aed H!t! not he u:ad In a cont~l It all 16EaRk spaC~ hay trot ? t1=e Sr/ciC£~ tar ered!t insurance. YoU 3;stttnt4 ~ ttiii ehaPQCS for insurar!c:: to he uee.~ conpieLd, if the member has sal signed and ~,aied Rita Rpnifaa:inn. ;x it ~ trti +/nnr Lnn Gsas;;e.ea.h rno,,d: nd x'~erst~.nd 1-`tt ir~3rrst';riti a~cru~ en "le kpp;icaUnn has sat ~nen ~sitnassE(i. ::iii:: The instErarlce you're a~ftt}lint~ tDr callfans certain terms tznt3 exl;iasians; Refer to yDttr cerii€fcate tar ~o~terage tit;ta =s. ._~n _i.ri 9..•s E~ GL''•T'-~'~.~ IF ItIP.7H . ""c. `i'ii<c= t~ ~~'r ISSR ~ TI?!n °t ..,.r~ . ``'(.1,,;1!lcr=*+!''-'ls~i ,:C;:T 1i1_Jti3'~r»•Er.=~iTti L'C'J?i.d!:Y Fr..-..sn SECG'XDAFY ^c4ri`u->'!.,'AI?Y v ^7-184E-3 _ THE ECILLO~YiNG STATY3,1Ck"j'S ttAOE QY YOU AHE ft~PAESErrTAT1O,1S A!tie ARG7AUET0 THE BEST O!r YflisF Y.t:~`/~L1:17Gc RI:O 3ct.;Et?: CRErtT L'EE INSURAI•JCG T , . • C~EDI i DiSABIL{TY INSLlr~1tNCE J.-.'_~._. ;`i ~:O i COVE?AGE SELECTED _ _-J_ , jYS; F7{2 COYEfiACiE SELECicO PiiE76!Ll'tl SGl(E4UL= 4, i G":-v;T it-= { ~ CSUR h'it~NTHLY I ~ ` " . r i °cc a -,aT= t 'fi~~Ir:uL=GR=0lTQati..{ali r:+,,_~ChE.iI,LE L1:.~c SrL•~t1CE i _ , r ;~STF=n~tfy i ?)li'r r'a'(:(F :J~ [ • ~7r YC?Ur'+. t.'JOaiH~ ~ ~ ^H TNlS G:ic.?E1t3U `rH'rglY;.CL; °:OP n:~~ r•GF, i, r;,~;.;{ n~~ - ~ `•'1nClES k F IifJll:tUl4 CTF 25 NOURE i;11':E:i1 =~1~;1 Sr1LA~dCE ! ! _ ._-..~._.L _.r.. _ . -i ,_-._t._ L? E ':~L : i ;%v'i.,tU'.7 %.ti n=E YQU t I.~AXi.E;!J+,t A = ~ (iF.GGFt /\Gr=----•E~----~ _ ~ l'vfl iP1SUF.hIJic. ._.._._b~`- _ i ~ L'~G=fl AG_ - _.6~--'--- i =0F +F:ELr?;~:C°_ - . _ ±J, :.a~1T.Ni.:irlaUr{a•'.BLEB"llltlC'c ,;;~~7 Cf!faft' 1.;F~_ ;.tire S.4L:L:~ its hiAhlf,1U.'.:r,lDl`J7Hl.YTQTHL •etr•~;.,Gr• ^y=U!i tt:: C;=~-; FcR L4A1N ACCOUrrT : ti&•:•L•~ EttGtttiUTr eG= F^a t'~~_~_•.[.[ DiSa° ~ _ r•, _ I;Ts_ iLRY BEtvc; rr 1,Ft .....t ' i?.:^_:rrr h.~C EOCOO i Sri.l':t,!,lxi:::_t:;:;:_ri-aR.,~r~.:~,_ l:::r..,,;-~:;:,r-,-=r_:~~tF=:t?_~. _ E~0 : • - - it y~c ere lc:al;y disj`'le-~ for r~o:U tnsn'_ 1~ 'hr.:n l;~ . n, •j:='::L, .1 J -1..r.i~ .._1'_.' + b_..B.i, ::i! b~Gin 1 - .iai; 1 tr•--..~ f~~; c`.~-...,:fiiv.. ~1 - - - - _ tom.- - - f. L ~ _ „ _ _ . ,.,._k c!r. e: tR? Obc-; ;revs) _.:n t.~ clx.k cne Gi L~ ..Cl_5 rl6C . ~ . L i+ Credit Agreement (continued} •G _ %:G;:i i~ ti1~'ra! CR? t°]tttar}i Sr;i ~~U1Crt payfiants liltB55 C!C arttta Kl V!rlttfl to ' c!i2n3 in the payment scttedate.l4 ` cu hav? a 'ant slug dra, ac: 9 w > rns Gf the Plan 2i a :tar lime, !t the i3:r nr}:eS any t:rm(,y at th. P:;.n u en! `c`~~b+,r, t { `t aunt, , ou ;nil L_ Lt: attt?r trrt, ;vi!t remain in aifc~ct. ras;,;t tsil;!e for pnt;ng sit oz:rdratt ad:~nGes obtained ty a ioiht tioltlr!r at Ute shore drxlt :,~•r.:.~;aat Unlns otnesv,is; required >r1 tang, vymenis vri!f bu apalied is amount, o';ted 1t• QEFAUG ~ iliE toftatv?ng lraragra¢fr apptfes to I<arrawars in ?Jana, znsas, -~+?.r i~'se flan. in lee r:tanrier the Credit Un~n choos;ss, 3Aaine and sta,e chattered credit unforts tending 5oufh Earatina bar=utvr<rs: Yoe¢:';i'! 3. PJ;N ACCESS-Yau can obtain credit ad an;res in 2ny manner autna,;zad h,r us, f! h; "ult;f you do nat mav~ a paymst of the amount required :';hen it i; er:e. Yr:u ii! °:s ,~.iti:`t cu 1o use Maur ATftf7t chit i,.lyd to ~ In d. guff it t,e belteva ihp prpspect of ra;rr~ p< , + ~ y ~ rss il:e F>?n, you ma+f tie 1L?bla tnr the any pro;rerty gives as security is signifiNtnUy itnpaired.it, if: rmsrce, or coati: ~dea an ::nar.t teritr: ~~r year riThd~auH car;, y~ v~ilf not he fiabfa far unauthorked use that il,e toHawTng paragntph applies erttylo harrowers to tys,:ansttt: Yet rrB{ ua i, cereal! c;:eur: after au na!ify us, on!1 er L~ v,ri;in , a, fire lass, theft, or possibL unauUlorked it you faN to make a pa.~ti^lit :vhen due R:ro tim=s during a,r,~ 12 manta ;.+eri;3d, 'au;r71! '~s a fi~u h,:Lste ;our ATVr'Debit card hds Di;zn ton or stolen, immediat~y infopmp the stn d~autt if hrzaking any promise made under ihs Ftan rystari?tiy impairs ya ; ;,hliit;• vrb3t: Uricn b`t calling or :sri;brp us at the tetaphonu nunttaer Gr addr..ss that a :ors to repay what yrou oeae. Mau;+tstt also 6c in defau{t it breafing'any promise m=de nder a cia_e': tare in the Pian.rlf the card f; tis~d to a9tain unau111ertrzd adt'ances direc>ty from SacurityAttrermentmada 1n connectfonl:ith anadvanc~, rtatririatiyimpairs the!:c ,tSiticr~, t!ie !%I rr., year Ctr:bitity ,i11 not exceed S.,O. {t the unauihuriz?d ttii!tdn:'ai is hum a share ~ ~'rafi ~..r°unt, year fialsi{'r!y is gtrtimsd ba ti:a ReDu!atlon E disc!asures you recavad at vJ°"' or pratt:,.uon at ar rnx right in arry propety you Dave a5 sen:ritf'. t~!e time y9:, races; d yG+,ir ATf.JDahft card, a~~n it i$a tvi;hdrar:•al results in an ad:rdnca the tnltorvinu paragraph applies onlyla frorruitrers In loo+r: Mau v:i;i he in zrhs' t it yoe heir:g ziade kem your orard2f! sut>3rcnurt are mare than 1D days fate fn mating a pafrtnent. You volt alstl b. nt delau!t if y~;u d+_ net 5. sw:;A#ICE CHARGE - 71;e driila: amount vnu pay far m:,ney borruc,:d u n11ad '~°!npty vatth the hrrtis at Urn Pfaq ytid year faffrire to cwr~tJ craft=.;t2,1 i:npa!s ;t,r: `tlrcan <c cflarna" and hegr»,a on the dot? Df r2crr advanci;. A f+nar>,z ehzrge t;tit C~ computed prop~y you gyve ~ security ar your agility to spay whet yea! eve under tr Fla. Gj.~rasly tnrzjsh sa~~rz;a ba3;,;.eund~r th= Ptart.7n cGttiputa the finarrs a~rc~:, the Thefo?Initringparagrophapp/lastatortoit~ersirratlothershlpsandt`<dora!lycF; r;e,-ari '1,~ciC ~i}an-:,a tc; e«ch day since your iM:t p?y~nant ((or sine. an 2dvance fl }•ou hxre rrot ~dij uplo~ lending to South Carollaa bnrraerers: l'au.;•rd1 ba in dctan;t ii you .o nai ;t:.t rrt:de a pa;m;ent) is muip&sd fry th4 zppliGhtz daiFy poriad.h ra}d, Th;; sum et thsa make a pa}"?~nt of ttr~ amount required when it is dug. Yau rr~t hd to i:etauh it yo braik art?carts is Use flris~ chanDe a,:•ed. ilk faience wed to compute the fmnn,; charg: is Ute a.;y pronrise you made under Lha Plan nr ~ artyano is in aleraufl c,tt!er ar:v s cur + unp?,°e balance Coca uoy alter payments and crudes to that balance flz4~ been ~ulitractad agrv~mrnt made in connection eKth an advance tmd!u rho Fipn. Yau will lz in d!daui it i; re rid ar:,+ additions to the. balatrx flare t}•an m,:de. to addition to tntar~st, t~ Wray c1>ZrDe die;T~fo far hankrir¢tcy, become lnsahLrit, tt y'eu rliake am`inlse or misleadittg stat• cents elk.; ;finance chi, ?vttich era di„clwsd cn the Addendum, li the interest rah: is a In anycredifappficziionoruptlat3atcceditfnlotmat!an,arifsaruethinDtta{,pcns~•ra ei!6•.^_ :•adzhtiinrnrest rate, die Addendum explains fit»t the variable lntnrat rain vrr:;~rs. may substantially reduce your abiGs/ to repay v;hat;you rnr:c. ~cu wiif als:, bu in gulf H. S~CURn'1' -You pfedga a5 sCCUCir/for the ?tan alt st><~ms and dividends and, lt..gy, and'r 1te Flat r Yau era iri default under zriy ether twtiri agraerpent lltttt Us, af! da~asits a'~ interest in aD jdlpt and indi:.,duat.acceuritsyuu hire vttth us new and.in 15 ACTlOli5 AFTER DEFAULT - .TAe ?a11mving paragrpb' app?Tes to 6orro;v ,s !r, floe tutu. It asreclrk daf!ar wmount ~ p?+dgad.fer ah adr?.nGa, wa Brill frraie sttar°s i;i Co?oradD; [Jfstrfcf nl ColsrmbTa, 1ars2, Xan3as, tdatne, t!tasrrch„setts, h;r ou,i, :hst acccutit to t1e extentnf ttis ouls~nding >;aianee for the ad,•ance. Othen•isa, your ftptuasils; tiresfVirghtta, FYiscursieandsfatect,~dered tredjl urr)onstendfngto aulh i,'seded shares Wray [m vtithdra:vn units ;ou 3re in dofadit. to zddition to, ya.,r pledga.al Carottirp batroivers. l~{ben you era in datauR and a3tet expira;Jon e6 Fmy ryht yrn ha:n sl;Kr,., ;•,•c mar also have whai:ls known a:; a.s~tutary lien cn fit Indi•,idrsai gird ?oist ~'~~Plfcablestatel3~,;acureyoitrd~iar,ft,varc,~nde:iianditrirru'c!iata payren; t;he ~~:c^.tt ats you haver:ittt us. A statutory Lr>it mans ;+re have the riQhtundet tederaf k~ ari+! EnLre anpaltt balance under the Plant r.'Qfioul Dhing }+nu adaanc~ tsetii,e. ntaiy >aL laws to claim art a;izra:t in;roar accodnts, y'la Gttt pnt0rce a s~tutaiy lien trio follgtVhtg ~rarraaggraph app!?as ?a harrnerers ?n a!f other. states acrd ?a fzd ra??}~ aa+:~~ year shares aqd dividends, acrd ii-any, interest and deposits, !call fnrllvidu?J and chartered credA,onlatrs iendrtrg tr! sugar Carotfna borrowers:',YJtien you xre in d , tti~ joint 2r:coun~, yrou Ttalva frith u:, to satisfy ar.: nutstanding tiriartt:ial ahliyatiorti that is ciao ;`ra.can require imtir?data payment (acceleraton} o(Ui^ entire tunpaki,h?t.,~nce and r t*~~_ 2ri p.'~a4t1". to us.1'~C may exeicisa cur right. to enforce IhLS !fan iihhotit fut'a1Hr nalce tO PWn: You tvaiv9 any right you. Nava to demand far pantlant, notice cf inteirl to a..t~ "rate ya!!, to the ?.;itrrt p:ttnittad hY tu?7. For 3t{ bortiawtts: The statutory. tfen andjac your and nalice Gt acceleration. ¢t edge ytitl attou' usdo zpp{y the funds in your account(s~ to what yau,o>!re v.~n you IheYotlmvtng paragraph appl?es !o _alt b°rrmt+ers: It. hntn~,i;at~ p~ymrst fs d:m;_+ d-d. are fn default Tha slahrtary flan and your pt~dpe d~ not aa¢hy to alb Indi:~9uaf wu SvIU continue to pay iniere,T untd e+hal you acre hr,t teen Irapaki, at U:, appi! ~bte fctiternent Account orarry otharaccaunt that :varied lose special tax treatment under state interest rates In etied ar, tt appNtaL•t., at the deiautt rave d{ssfast{d an tltr: Addendtm . B :i cr laderat law !f given as s~CUrit•/. datnand tnr hnmediat: payKnent Itas tsean nmda, }roar strares;ans;°r deposits ~ tun fCditiGnai sa.,cuorj for the f=lan may h+± required at ttl? time of an advance. L` a suUaccuum ? PDed tmvxrds what you av,a as-p-anddtid to gta ti~tion :,bo'va ttiSUcd "Security". 4J can ide,~tiC~s a hri:~ at praper>)` (suers n, "#fetY 1leh!+~ a.'~ yp+l:must rJire. that type at propety alSa exercise any otherdDhts gt4zri bv>aiv; v:h"rlyoti sec h d~fauft; and any righs =ra ,eve .u secoriry wharf goa;get ar advancE und!`r tii.~t subaccount. A suhaccount warns sudi.as under ariyr $acurihj A~r'~rrtci?ts yGU,fiave with us: "~tltar. $;'Clitcd" means you mtu;t prc;idi: sacurit'{ ac~pfabla 1~: u;; •r+hsri you obtain an 18. CAt{CELf.ING OR GtiANti!#1G TtiE.ptAt1- ThC laliorrtag ~taragraph apy?ies arty ct;~nce under that subaccnurrL Property ya'3 r3nro ss security vrilt secure 46 amo,mis to state clidrtered ttedTl um`ons 1endlap-ta ttr#ridtr barrvrverJ;: !+!e tra~-e iha r=; it 17 '",^:d t;nder sire Flan ~~d art Dther tongs 4as have arith us rrxv arin,thc suture, zccept arty. c'ran9e ttia: terms oT the. Plan tram lima to Grnp ;:tier re:ing you Wit: ar:Yarce n 1isr: react s?cured by your phtr~il dvraflsnp. Pt»p~rt;: seGUtlnD cU;er {cols you. have t'nltt us requird trf !r>: Any change to the int>;rest rote or a~'ter chatLrss e:itt ap;ity to !tare t: ~ y a+a4 s.;:cGre Ut"_ Puri. advances. 7. FBgPi~'TTY 1tJSURrt#1CE -You v,!It l:: tegtrired to auich•7se: prdperhf insurane: rte the t'atTowing.parapraph apples only !0 6orroivers in 1'Jtscan /n: tNt? s3tt ulano the cl`rtatn tvpss of sacurihr Shat yao give far a3ea.•tces. You may purcnase glee proparfy farm;: i3f..the Platt from time to time !n acCOrdance v;itli Sa~ion 4~2.d 3b of rho t~'is a sis; insurdrice Scum aryane you chao~R that is acceptable to the Credit Uriion. 5GUUfas_ You ttnll ba notified of any ct>.atipe in terms, An irterease 4n 11ta deity periodic me D. BgLUNTARY PAYhtEtti PRT)TECTIgtf - tNe ma/ olfer Votun>rry Payment oral#a variable interest rate is net considered a dizriga.to tnrrris undttrtlta PI~-i, t°ro can Pr~s.~aion to you. ~'alun~ry Payment Pruteciian is not necessary to abiain credit ff you umcetlhe Cnlira PI2n or arty part of the Pfau at and tine: You may cancel the Pian at gay ,:ur:hase volunb+ry. Payment Pmttiction Iran: us, yori authorip us tq add the tees or S+m'- by pining us prior srrtiten notice, YaurohGg~~t:on ko pay She unpaid fiafar:^es rig dae !risurance charges ntanthty m your Ilan b;tian:. and charg; you interest nn the entire 6af• ti!t3 tCtRts al the Plan continues viretlter you or Ufa crapd unkn cancel Ilia P1ari, eacc~ t to i;r:ca. „'.our option •rie wilt chairgo yadr parneni ai fire period at time nec~rarY to repay Jie extant. that yqur IfabNity is iimited by SCCUari d?2,~' i 55 of tt!e kl;scostsin Sttft:t;:s ifi±• I~;n 6afance. Tlie rata used to deLrmLha tIN• ';w~ or insurance charges may change JTie toRarvlrrg paragraph applies prtly fo borrnr,~ers !n lira:: Ja ~~r chanpo rise t ns ti;:t fat-,era. ff the rata charges,;: ~ wi11 pro;?de 2ny naUces r~tilred by appt:~ble Lnv, ci rho plan form time is Tore after gl!rryn you zq} aiivuice nctlce required fly L:: FERiDDiC STATERtENT - On a rgttl2_r tiasi~ you will teceivo a st[tinrani sha;:L•^.g t~~9e tf>w1 increases !ha rato c, flnana: ctrarge of titter Chars th7t f!te: Bas ar;~, -t{ inn,-actions under the P4•ur durinD ti>r parted covzred by. the s~tement. Statements zmount of yGur payments, ortltat othar;~isa sdvr.Reiy gir=ls axis ing batarees :~11 ap fy aid narcES wits Lw sent W y°u at rise mast re^.~;nt address yoU have D!vEn resin wriDlg. la C;<~tirg hztinces only if yott agit'C fa the. Clianre bFyau u5a tkra PGu+ atti:r re~e;: +ia ~r=ss appt':•.:~tlt= Is;a ieaufrps notice t. each joins Barra;; rr, notice to any one of ,au vnli notice Ural your use at dw Ptan ntarrts you agraelhe C!>3npa 2*¢~ins Io ev„irtD haianc t~. t;~ natic..to art. Tits falloa,~ing paragraph applies to ranvt:•ers t, all att,er states and lade ly t t7, Jg1R'T ACCDUNTS - It tills is a jalnt ac :aunt, each of you is ir:dlvidualty and toinCy chartere>f credit unions leading to ltltnois 6arratvea: t'.re have iGie r!phi to chanDe t s=_ ra sonsibfa Tar paying alt amounts o;•,ed. Tha{ r3;e~'rs v;e G11 enforce dun rights under the ltanns of rho Flan from tines to time after gFrng you sty advance rtatir~, rc;~uircd tr; la '!8:i ~,zinst gory one of you i dividua!e; or a~irst aft of you together. It yea Dive tss Arty change U; the int+rest rata ttJt a¢pty to luture ad:,iitces, ..=,hd at our d~•,et!on 2 :cr;nsistenf inst,uG?ions- ize can refus; to folfa;v ;our Instructions. Un1e;s our a,ritan subJect to any h:quirernt:rts at applicable lain. foist arse apply to un~ad bzzrtc~. pe'•~ and procedure coquinas elf of you to s!gn far a~ advance, cash of yoL aythcrtes The lapowing paragraph applies to aft but iVlscons!n barrot+ers: tun incrras=_ in t1;s rir. ty rtie a+br:rf s? to obtain advances individualtj and aDress t5 repay zdvarCes made to fh~ prriadlc rrte undor a vatiabfe tni?rest.rata Is not Cu"riS~efcd a ctxingrel t;rnss :.order t ,tlr;-fs t. Any saint r~rnuntttntder may terminal= iho P?an 6y gndnci us prior ,r :,:n no!~E. Ffart, Y!e care cancer iha entire Ptah err any ¢;trt at the Plan any Gr+.ia, Yau C;n ra. v; tl it ;.,;;i ~•ou tnnoinale Uie plan, file Plan is tslmi: ~ted for aft nt eau. Ynu rana:n tiah!e Pan at am~tirno ty pivinD us pr(cr `xrtf:n reU,^.e. Ycrr, ,~h!iga;;^F7 Ua pdy itiC ur!;a,i; ba~rc i.,~:!duarty and (aint#ir tar art adt~.nces incurrl;d before tannirrtisn. under the terriisol the Pfali a~ntinu^s wheU;er yon; er rise Gredi; Unibri e<;rie;1 th° Alan, ' ~ - i?:S AIiO CHAAGE3 - !t `,au g~ia us a sGcnrtt; interest in ccrtatn hyp^s of pratptl}, i7- The Infln~vinq /s required 6y Venrrnnt tart!: C10T[CE TO CO-SE6PIER °'e rn~,, c-iarge ytii a f ii,~t t%~ !a p°;iect cur in!r-~ t !n the proper;:. five dn, the nmoenf ; OtIR SIGNATl1RE ON TIiIS NOTE h4~t1~IS THAT YOU ARE EQUACL c.~e,:r,^^6a cgs:saad to you at the tinrapau auh:fn an advance. thrc era; also charg: LiA~LE FDR REPAYMENT OE THfS LOAN. Ir' THE BQRROI~ER DOE n ao:i.~2~.dati r:!th the Plan. Our torrent fans a_z eiscicsed on rho " :a;a~u-t . nd i•,i0 hi add?d to your fa';r Bala;=:s t:nlNss,au pay ther;t to caste. i`IOT PAY, THE LENDER NAS A LEGAL RIGHT TO COLLECT FROM YOtl. ±c. UPOATitdG CREDR ttiFORMATIDN - 7ou pnmis2 that ycu rill pramptiy peas 95 18, ttOTICE TO UTAH BDRRD4JE:tS ills; ~ m;ten ::rrremcnr is ;t f;'i.l zxpras5iart L r:r;r__.. o^cs if you move, cfianCa ya'!r nam;= cr cnlrirrmc,~t, cr if'rra oil:-, intormatian ate agreerni:nt Ueh`:eon you and !h= Credit Union. This Ivril;en arr~;r.^.nt nn~ r^t m }'~~u ['C`ti~3d t'a U5 Gi?att,d;- Upon nUr ,-,-,QU^c!, r~U ?:Sn 2D'a° to prGV!dD !IS Updafad rontrddctcd by avid^nr.C of any era! aDnen,~:r:. irier3~;aan pnr credit union;, i:`a!ia;:; ~r;d;,,zitzdures. 19. USE Dr' ACC6U11T -'sou prc:~ase rc i,se ycuc cr,r„tt :1 cr?ra;nre: ;3. `:'ialt.'en -!+ya !r, d:`z' nt • ? - ~ ;;+i14t EtliG'.iC!1 dn;+ of O.F Il^tlt°, un^c' t:':i; ?;.n, 13tn'1'~( ~ iG="•` - ;-..i obrv_~:inn r. S - ; - hcuGeha!d} pur<G . Un!ers tti~ credit uniart r,';r:; ~e ._r:n„r ~ - . , _ . ' nl;l~_ `:Rn@ly c r:,~:;e:~.'_s.:•:!Iinn1105!i1.1_ ^Ur n,3f;l lL °nf!'ri:P. ;ti's a5C ttiG ~G'nnni q-cr. e t II i ~~~~h~~+~~ FEDERAL CREdIT UNIC}N ' i Building Rel~tien$hips Fir Life AmeriChoice Federal Credit Union 20 Sporting Green Drive Mechanlcsbur , PA 17050 ~ ~ ~ ~ (717} 697-3474 Ad dead u m Toll-Free: (800) 240-A364 Fax. (717} 591-9695 vnti~rr.americhoice.org Fddendum !]ate: 11(18! lU GREDIT LIMIT: ~5 , pO0.00 This Addendum is incorporated Into and becomes a part of your LOANLINER3 Credit Agreement. Please keep Ih1s attached to your LOANLINERa Credit Agreement. Account 0 ain Disclosure - Deify ~ubaccount Annual percentage Periodic Narne Rate APR Rate Personal Service Loan 1200% 0.0329° This APR vriU vary with the market based on the Prime Rate. Paying interest ~ You wiN be charged interest from the _ transactlon date. How We Wilt Calculate Your Balance: We will use a balance computa5on method called daily balance. See your account Agreement far more d~lails. billing Rights: lnforma6on on your tights to dispute transactions and how to exercise those rights is provided in your account Agreement Variable Rate Personal Service Loan: The Annua! Percentage Rate (APR) for new and exlsGng balances vriA be the Prime Rate (index), plus a Atargin of 5.00%. We will use the most recent Index value available to us as of the last of the month preceding any annual percentage rate adjustment The APR will change quarierfy on the first day of January, April, July, and October to reBect any change in the index. The APR will never be Tess than 1200%. The APR will never be greaEer than the maximum rate aitowed by law, currently 18.00%. Any increase in the APR will result in more payments of the same amount uniif what you awe has been repaid. Collection Casts, You agree to pay aft costs of collecting the amount you awe under this Agreement, including court costs end reasonable attorney's fees. Variable Rate Personal Service Loan: The m[nimum payment will be 2'/0 of the month end account balance or X25.00, whichever is greater. Minimum Advance Amount for Overdraft Protection: Advances faraverdraft protection wilt be granted in increments of $100.00. G L;ifiU:.L GttOU'.', 7~ 1° AlL P.!4FfTS RESFiiYED ~ o~~;, t v! t i:x~G~ < i _ _ ~ AMERICHOICE FEDERAL, IN THE COURT OF COMMON PLEAS CREDIT UNION CUMBERLAND COUNTY Plaintiff, v. No.: 2012- WALI T. THOMAS, . Defendant CIVIL ACTION -LAW VERIFICATION I, Mark R. Beans, Assistant Vice President of Collections, AmeriChoice Federal Credit Union hereby verify that the statements of fact made in the foregoing Complaint are true and correct to the best of my personal knowledge, information and belief. I understand'that any fal e statements therein are subject to the criminal penalties contained in 18 Pa C. S. Section 4904, relating to unsworn falsification to authorities. Mark R. Beans Assistant Vice President of Collections AmeriChoice Federal Credit Union Date 4~,,~ 1 ~z- AMERICHOICE FEDERAL CREDIT UNION, Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA NO.: 2012-5414 V. WALI T. THOMAS, : CIVIL ACTION - LAW Defendant ACCEPTANCE OF SERVICE TO THE PROTHONOTARY: I, Wayne G. Gracey, Esquire, Attorney for Wali T. Thomas, hereby accept service of the Complaint that was filed at Action No. 2012-5414. Respectfully Submitted, Date: 10 It , ZJj 2/ Wayne G. Gracey, E u' Gateway Executive Suites 6864 Susquehanna Trail South York, PA 17403 Phone: (717) 818-4713 MED =1 C7: =r Darrel( C. Dethlefs, Esquire ID # 58805 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone - (717) 975-9446 Fax - (717) 975-2309 CREDIT UNION, Plaintiff, v. WALT T. THOMAS, Defendants ~~~~~~E~-U~=~~r` '-"~~ THE" i'P,Qlii~t,~~3 i;~'~4'. ~~i2 NOY 27 AM ICI d I CUMBERLAND CI~U~,'TY PEMN$ YLVA~Attorney for Plaintiff - ~~_ IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW No.: 5414-2012- CIVIL PRAECIPE TO THE PROTHONOTARY OF CUMBERLAND COUNTY, PENNSYLVANIA: Please enter judgment in favor of the Plaintiff, AMERICHOICE FEDERAL CREDIT UNION, and against the Defendant, WALT T. THOMAS, for failure to answer or otherwise plead in the above captioned matter within twenty (20) days of the date of service of the Complaint and enter judgment for: Principle Balance: $5,271.83 interest (through 11-14-12): $988.47 Title Report $75.00 Court Costs $TBD Late Charges: $759.00 Total: $7094.30 $7,094.30 with interest, accruing at 6.25°!0, plus the costs of suit. The undersigned cert~es that a written Notice of intention to file a Praecipe for Judgment was mailed to the Defendant on November 14, 2012 and copy qfj said Notice is attached hereto. LLC Date: r l- Z~~ i 2 By. Darrell C. Dethlefs, Esquire ID# 58805 33 ~~ ~.~ ~~?~ ~'~~t ~.~~~~ AMERfCi~ICE FEDERAL IN THE COURT OF CQ1 PLEAS GREDfT UNION, CUMBERLAND COUNTY, PENNSYLVANIA Ptatntiff v. No.:2012y414 WALL fi, THOIrAS ~ CIVIL ACTION - I.AW ' Dafer~M, 't'U: Va;~li T. 'I~horn~ '?''`4 Glcim t)rive F'.ni~la. i'A t~0?~ Wayne G. Graccy, E.~yuire Gateway E~oeuti~rc Suites 6S(r4 Susgtx~;utna 1'rtil South York. PA 17A03 ~ATI Or NO'f'IC ~: November 14, ?013 iMt'Ott'I'ANT NOTICE wall 'r. Tlwnws c/oWaynr G. Gtacry, ~quirr Gateway ~.~cecutive $uite.~ 68b4 S~~+queh$tuta Trail South Yarl:, PA 1703 YOtI ARE 1N DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQiIIRBD OF YOU !N THIS CASE. UNLESS YOU ACT WITHIN TEN (!0~ DAYS FROM THt PATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING ANl? YOU MAY LOSE YOUR PROPERTY OR OTHER tMl~UItTANT RiCHTS. YOU SHOULp 'FAKE TH15 NOTICE TO A LAVYYER A7' ONCE. IF YOU t)O NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO UR TELt:PHONF THE FOI.I.OWiNC OFFICE TO FIND flUT WHERE YOU CAN CirT LEGAL HELP; CUMBERLAND COUNTY LAWYER REFERRAL SERYtCF, 2 LIBERTY AVENUE CAttLlSlts, PA 17013 {'Its Z49-311,G r ~i~ .... sw rpNfi J A: Wali 'C. 'fhoma.~ '?34 Gicim Drive I~ imta. PA 1102a Wayne G. Gracey Esquire Wali T, Thomas Gateway Executive Suites cfoWayne G. Grac~.~y. Esquire 68~ SuRquehannu Trail South Gatrway Etic~cutive Suites Yort:. PA i 74Q, 636Susq~~hanna Trail South York, PA 1740a ITst'I lA U>~ NOT[CIA: Nc~venttx~r 14.2012 NOTtCtA JMI't3R'fANTE t1S'I'CD NU I-IA COMPLEDU CON EL AVISO ANTERIOR POItQUE 1-lA FAI,TADU EN TOMAR MEDIOAS REQUERIDAS RCSPFCTO A ES't'E CASO. Si E1S"t'1'D NU ACTUA DFNTR4 D!; DiEL (Ip) SlA5 UESDE LA FECMA DE ES~'A NU't'ICIA. tS POSIBLE QUE UN FALLU SF.RIA REGISTRADU CONTRA USTED SIN UNA AUDlL'NC`IA Y USTED POORIA PERDER SU PRO>'ttiDAD O OTROS Ut:tZIiCHUS IMPURTANTES. USTED DE6E LLEYAR CSTA NOTIGIA A SU AEUGADU EN SEGUIDA. Sl USTED N0 7'IGNE ABOGADO U NO TIENE CON ~UEi 1'AGAR LOS SFRVICtOS DE UN ABOGADO. vAYA U TrI.AME A LA OFIC'iNA CSCRITA ARAJU PARR AVERIGUAR A DONDE USTt;D PUI:DE ()t3'CIaNFR LA AUYDA LEGAL. CUMBERLAND COUNTY LAWYER REFERRAL SERYlCE Z LIBERTY AVENUE CARLISLE, P'A 170i,~ (7i7j 7A9-3166 Submitted! Date: ~ I ' t ~ - 12. Darrell C. Dethlefs, Esquire l.D. # 5$$05 DethltfS-Pykosh L&w Group, LI.C 2132 Market Street Camp HiH, Pennsylvania 17011 Telephone: 717-875-9446 Attorney for Plaintiff AMERICHOICE FEDERAL CRED{T UNION, Plaintiff, v. WALT T. THOMAS, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW No.: 5414-2012- CIVIL Defendants TO: Waii T. Thomas Wayne G. Gracey, Esquire Wali T. Thomas 2284 Gieim Drive Gateway Executive Suites c% Wayne G. Gracey, Esquire Enola PA 17025 6864 Susquehanna Trail South Gateway Executive Suites York, PA 17403 6864 Susquehanna Trail South York, PA 17403 You are hereby notified that on ~- ~ , 2012, the following Judgment has been entered against you in the above ptioned case. Default in riem Judgment in the amount of $7.094.30 with interest, accruing at 6.25%, plus the costs of suit. DATE: ~~ a-7 ~ Pro I hereby certify that the name and a ess of the proper person(sj to receive this notice is: Wali T. Thomas. A: 2284 Gieim Drive Enola PA 17025 Wayne G. Gracey, Esquire A: Gateway Executive Suites, 6864 Susquehanna Trail South, York, PA 17403 Wali T. Thomas c/o Wayne G. Gracey, Esquire A: Gateway Executive Suites, 6864 Susquehanna Trail South, York, PA 17403 Por este medio se le esta notificando que el , 2012, ellla siguiente Fallo ha sido anotado en contra suya en el caso mencionado en el epigrafe. Default in rem Judgment in the amount of $7.094.30 with interest, accruing at 6.25%, plus the costs of suit. FECHA: Protonotario Certiflco que la siguiente direction es la del defendido/a segun indicada en el certificado de residencia:. Waii T. Thomas. A: 2284 Gleim Drive Enola PA 17025 Wayne G. Grscey, Esquire A: Gateway Executive Suites, 6864 Susquehanna Trail South, York, PA 17403 Waii T. Thomas c/o Wayne G. Grscey, Esquire A: Gateway Executive Suites, 6864 Susquehanna Trail South, York, PA 17403 Abogado del Demand ante Dethlefs-Py o h Law Group, LLC Date: I ~- Z G. - t L gy. --_ D re f C. Dethlefs, Esquire (#58805)