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~ 3~ ° Darrell C. Dethlefs, Esquire } ~~T~~~~~'~~A~`,~' ID # 58805 Dethlefs-Pykosh Law Group, LLC 211 AUG 30 AM 11 ~ ~O 2132 Market Street Camp Hill, Pennsylvania 17011 ~~M:LA~O CQU~~~ Telephone - (717) 975-9446 I~~Y~~~N~1~ Fax - (717) 975-2309 dethlefs@aol.com Attorney for Plain iff AMERICHOICE FEDERAL IN THE COURT OF COM ON PLEA CREDIT UNION CUMBERLAND COUNTY Plaintiff, v. No.: 2012- / V < < /sM 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 d, 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 you by the co without further notice for any money claimed in the complaint or for any other a~laim or rel' 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 YOU DON T HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. TH S OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. F YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE O 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 ~~7GJ (800) 990-9108 ~ ~~3• ~~/3/~ 9' ~~~~oo~~ THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED ViIILL BE US D FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR _ _ _ _ EL AVISO Ustedes han sido demandados ante los tribunales. Si desea defenderse de las reclamacio es establecen en las paginas siguientes, debe actuar dentro de los veinte 20 dias d~spues 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 es 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 din ro reclamado en la denuncia o cualquier otra reclamation o socorro solicitado por el demandan e. Pueden perder dinero o propiedad u otros derechos importantes pars 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. ESTA OFIC A PUEDE PROPORCIONARLE INFORMACION ACERCA DE CONTRA~'AR A ABOGADO. SI NO PUEDE PERMITIRSE CONTRATAR A UN ABOGADO, ES A OFICINA PUEDE PROPORCIONARLE INFORMACION ACERCA DE OI$GANISM S QUE PUEDEN OFRECER SERVICIOS LEGALES A PERSONAS ELEGIB~,ES A A TARIFA REDUCIDA O NINGUNA CUOTA. LAWYER REFERENCE SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 South Bedford Street Carlisle, PA 17013 (800) 990-9108 i i SE TRATA DE UN INTENTO DE COBRAR UNA DEUDA Y CUALQUIER INFORMACION OBTENIDA E UTILIZARA PARA ESE PROPOSITO. ESTA COMUNICACION ES DE UN COLECCIONISTA DE DEU A ~ _ _ Darrell C. Dethlefs, Esquire ID # 58805 Dethlefs-Pykosh Law Group, LLC it 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone - (717) 975-9446 Fax - (717) 975-2309 ddethlefs aol.com Attorney for Plain 'ff AMERICHOICE FEDERAL IN THE COURT OF COM ON 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 who 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 2284 Gleim Drive, Enola, PA 17025. 3. On or about March 26, 2012, Defendant applied for a signature loan from plaintiff. true and correct copy of Defendant's personal service application is attached hereto and incorporated by reference as Exhibit "A." The application attached as Exhibit A has personal data redacted. A none redacted copy is available and will be produced for the defendant. _ _ ~ 4. On or about March 27, 2012, Defendant signed the "Loanliner Loan and Security Agreement and Disclosure Statement". A true and correct copy of Defendant's "Loanliner Load and Security Agreement and Disclosure Statement" is attached hereto and incorporated by reference as Exhibit "B." The Plaintiff has redacted personal data from Exhibit B. A none redacted copy is available and will be produced for the defendant. COUNT I -BREACH OF CONTRACT 5. The averments contained in Paragraphs 1 through 5 above, are incorporated herein y reference thereto as though herein set forth at length. 6. Plaintiff agreed to extend a principal balance of five thousand fourty five dollars an seventy-one cents ($5,045.71) to Defendant. 7. The signature loan has an interest rate of 14.990%, as shown in the Loan!liner Loan and Security Agreement and Disclosure Statement in Exhibit "B," and is identified by loan ID .....0332. 8. Each month, pursuant to the terms and conditions of the Loanliner credit. agreement, Defendant was responsible for paying a monthly payment of one hundred thirty-twa dollars an eighteen cents ($132.18). 9. Defendant has not made a payment. 10. Defendant breached the terms and conditions of the agreement between xhe parties b failing to pay the balance due or make the required monthly payment. 11. The full balance due and owing to the Plaintiff on the aforementioned credit card account as through August 31, 2012 is $5,271.83. 12. Defendant has breached the terms of the Loanliner Loan and Security Agreement an Disclosure Statement. i 13. Although repeatedly requested to pay the principal balance and finance charges by Plaintiff, the Defendant has failed to do so to his detriment. 14. Pursuant to the Loanliner Loan and Security Agreement, the Plainiff is entitled to Collection Costs, which include "the cost of storing the Property, preparing it for sale and attorney's fees to the extent permitted under statE law or awarded under the Bankruptcy Code." Loanliner Loan and Security Agreement (Exhibit "B"), page 3, paragraph 9. 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. Respect lly submitted, Q , Dethlef s aw Group, LLC Dated: v ~ ~ t ~ Darrel ethlefs, Esquire Attorney ID # 58805 2132 Market Street Camp Hill, PA 17011 (717)975-9446 Attorney for Plaintiff _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ r _ Ky~d9 ~~r1i.[l~Y~e' ~9paninp OCem Drlve_ N rhank.h~lrp;PA t)p60 ~.?tau~Al a"ta?r uLfoN Tt7~T~T~ aupetng ~ReiHtran6biPe Far U(n' Opp;0187 i Application ind{viduel Credo: You must conlptote the Apptloant'sadlon about your9oll end the Othar;:edkn about your spouaD if; 1. you Cwo to or the pmporty pMdgeti ac colintarai is tocelad In n community property stale {A~C,.AX, CA, ID, LA, NM, NV, 7X, WA, WI), Z your spouse wrl use•the account, or' 3, you~ere. rolying.on your spousa'a tncomo as o boats for tepnytnont. It you nra rDlylhg an Moopio Iroiri alimony, child suppoit, or coparale molntelhDnce, complnto the t]lhv haetlonte (ho extent posaibb about the ppn:on on wheso paym4nts you ola %Iying. .lolnt Credit Each P~pllcont rtWat Indivtdually~complote the ap~tap fiete aectlojf bnlotiY. It Co-BoriD'wp~ is spouse oLlhe Appttcank.mark the Co-Appikant box. Guarantor. 0oR?plate. the other aoeticn I{you aro a gemlentor on en aeeoulrUlodn. Cheeft.beteW.loa{Idicate he" ~ of aaoount{s) ahd type of tii`edtt for which you~are applying. Married Apphcant9 may apply'for a se crate aiccounl, LOANLtNER AcnountJLoan IridtVldual Joint (frichidlnp ATAtJDebit CardAcceDS to fire Rccourd if Ava!lebloj Amount:Roqucsled; 5, .D DD . Dtl Burpo9e(CoUaleral:.Other :signature. loan SICit1ATtIRE LOAN Repnyrnentz P rogDodudion ©CD9h ?Mlilmry'.Allotmont ?AutonlatlcPayment ~AYAAEN7FtaC•7~icryoN Ara you interestail En haVfng,,yDUr IoArt'pmtectad.7 []Yes ~x, jND: _ ~ If you ariswer "yes", therj the credit unlDn wilf disclose the cost of Ihls voluntary payment pprotecflon to jrott,• separate election which discloses the corms and condtt3ans must be signed For protection`tg ba. effeotfve. APFtICANt` OTH~t.:.'_'••;:,:::•;;•~ Q00-APPLiCAN.T'~ aPDUSEQbTHErt NAb1E NAME• 1•~ALI TARLQ THOMAS PA_G9NiDRD a rrtrn tNT IBER PASSWORD AGT.OUtrr NUMBER ?t SOq•~ eer„orrv u, n,AF~ ORNCna u~.c....~......__. SQgALSECUFarY NUMBER DRIVER'S UCETJ9E NUMHERlSTA _ •28 .887 816 acfSOFDEPr7var~vi~~ t9dAtAlHIAE&9 ACiEeDFO~@IOENr3 EYAn.AD0REH9' 'g~ O D o D D d WTltorU1si55g1ysN: CCM D''t°' dOMEP. EIIRfHDATE HD/ EP ESSPHCiYFJEKr: 717- {61'°et-cb•. m=aP) 1 Ees{elesl-cay=~-aP) 228!1 Gleam Dt A Enola PA 1.7D25 24 1Nd¢tha RraNId1SADDRESS(84eM-gty_Hlpla-gyp) Rt7rf PRE1ryDUaADDRE95{8heel-Gtly•Shce=Zip) CWN 902 Carlisle Pike #397; Mechanic) 36 INonthH . P?EiE~~DrrGRE771T,aFSUN®CR»tfaAtFYCU'UYEINA. 11UHITY CW/PLErEFaR.KyNiCREOPr..1mCR~1TORIFYDUUVEINACOMMU RY PRCPEIRY erATE a= 'ED Q6EPI1FtATED ~DNAIAMIW{9np0. DNutce0:,1M1~t'Atl) ~ lAAltfl)ED 09EpgR!{TH) ~UryutieRlEOtangia-dNoteee-yyldnet~ EMPEOYp7tcNT11N0ojYj~ ~MPlQ1'INE'11~7A140I~1E: ttAM6AND NAMEANG . At ~DF Equiky 1?in'ariciaZ 5olutinaa AD~q~ 154 R Rigli Bt, Red Lions Pa. ~M'~ ' 71TLOGAAD~ 61'ART DATE. DURBAT VARK E START OAT HDUAS AT K 'Acct He ' D3/•01/13s9 90 dUPEAVWR'9NAME IPBFIF.EMPLDYEO, ppBUSI ES9 H a , IE IF 6@FE),IPI.DYED,TYPEOFBU61NfiSS Nqq((11~~..A1,8tONY,CHkD'SUPPC(ir.OR.6EPAgATEMIUNTENpNCE?NC~y.1ENEEDh~1'HE N4TICtr' .Ct# CR TEMIUNTENAgCEiNCD61E'N NOTDE 'ReY61l~lFYOU NDrCEIOdBETDHA4EtTCCN58)bRED: REV2AI.~~YtN1DOt~CH00BETbHAVE{TDdNeIOEilE4 1APLOYMEMI?KWIE O)HERfNCOME Month EMPLOritENTpNbh1E OTH~11N~.4ME S 6, 083. DD Per• Month i D: (tD• :per . ; Por. t`tDn~ S Par M~dlnth NET ® aRD99 6WRDE NET ®DRO55' 60URCE • Ln'ARY:IBDUrY6TATt0!{TRANSF.ERDG+ECT8p0URINONEXTYEART YES (]Np MM1ITARYt190UTY8TATIONTRANSFERptPEt'rtDDUR1NONt7[TYEART ?'Y~ No WtieRe ENDINDDnPARATiOt10ATE WHERE ENOINniBEPAMTIDNn~TE PREVIDUB PLOYEANAMEAN _ UDRESSIFEMPLDYEDIFSSTHAN STARnNGDATE PRL3IIGlaEd1PLOTERNAMEANPAOD~ES9IFENPI.D1'EDLEB$'ntAN 57 ND DATE FIVEYEARS FTVEYE0.R5 t3101N4 WTE' EJIOI DATE ,i. :cEEERENcE : • A~uno P REF.EREN . Rt3A NSHIP IviLiEANDADORESSOFNEARESTREiATIVENOTUVIN[3WlrltYou Causin NAllEANDADDRE56.OFNFARESrRElATVENaRLtVINa~Yf71~Y0U NOMEPHONE Hmd~PHONE 3tahslem nawaeY 862-77Z-9919 :.i i3 Glendale T)r, McChanieaburg, Pa I p GUNA MUTUAL GAOUP, 1080, p2, n1, pE, pp, 9n,?pDp~i.117,0n ALLRIDH75 RESErtVtD PAGE 9 Ai%7(pm IusER) rei ~ ~ _ _ _ _ _ _ _ i.~ HAT.~YOIJ'O1NE,.~ ~r~'ORNAMttoTHERTHANTHRCREp1CUMON INntREST MtWntlY DBY WLd~cditlautWStmelh)Utobnasvyl RATE PRESENT BALANCE PAYINENf AP CtIM pfrffli ,49995.0000000 MFJ41d&t25 15T 6 7, 907.00 759:fl0 X• ~ 517805731046 CAP ONS S 496,00 25: Q0 X~ ~ 46,76.5 71MSRICC:IOICE S 4', 4.44.00 94.Od •X 467650071 AFIERI[3:IDICE S 5 DOD.00 -S 065.00 .k :2285369 PHFA S 17z, 2].9..00 :1,177.00 X~ b0~7387991237727! ONSFIAIN PT S 11,256_00 387. D0 X' •798192439408' GfiCRB%LDW S 2,450.00 77.00. X :;oD3532049629 TItD/l~Nl? S 7,lOD..DO 146_OD X 100011890 BELCD ,CU S 11, 74B;DO 353:D0 X• -863338553 Vti CREDIT S 6,253.00 452.00 X S S • Ii •USTANYNALIESUrt0ERw1iICNY0L8tCRE01TREFERENCESANOCRED)iUI5TOrNCJVtBECHECIt£D: TOTALS; 5228,873.00 ;7-,735'.00, 'I~ATyOUt~AtN USTLDCATIDNOFPROPERIYORF1NAt4C1ALINSnM1aN MAAKETYAWE PIEDGEDA'COLLATFRIY. BY = - FORAHOTMERIDAN p~R HOUSE 2284 GLEItd DR, •I:tTOLA, PA S 189, 000.00 YE9 tip }tOTO 20I'0 1rA (T,SA5E1. $ 0.00 YES NO X' •127VE32• PROP 6608 IMARIT+1TFl 'AVfi 'BALTIMORE. (S S 0..00 YES ~ ~lua :X ' 0_00 YES •~ND X ~ D.00 .•1'ES WLt x • S 0.00 YES NC $ 0.00: YFS NQ X _ F 0.00 Y.FS Np ' S D . O D YES NO •X Ct7HER`II~F.ORARII"jiO~A(~OUTfYdtl,•.:• IF YOUAN9YYEft"YES"TD ANY4UE5710NOTHER1WlNI1,E~U5INONANATTACHED51lEET qP~~ 1 AREYOUAIxS„`t~hRl91WtP~IKIItNENTpt:~ITAUEKT x Z, DOYO?I.CLIIiR Y pUTS JUl~TSORHAVF,.YOUEYFRFkEOFORBMI!0{UPTLY,NIIDADEBTPOIUSTAtENfPLAN hri• CONFlRIita;D„ QDIVTt4t7S.FalQkttpPERiY kDSEO(1P(AJpRREP095P.55EO1NTMCLAST:7YE11R5,ORBEENAPARIYINALAW511rT/ 15 YOURIMCO~IEtJI{prY•YD~IEMITnENE%f 1Wb.YEARSt '4. .AREYOU~ACp,W11tER;t~IRINIRLIf}~P.i1ARMrtOR.ONANYIAANNOTUSTEOABOVE7 . FOR VAi0A11Nrym al0idpgOlipsldccLosnk TO YA1DM 1Nnmi d CreiGtorp $TATE.E:NW ~NQ'fi¢ES • Oy10 RES(D~1VT5 0>uLV; The Ohio laws Credit Urilort Is tundshed•a copy of tha agreemarlL statemetN ~ dew or• hes • malls. aedll ~ • dsalmineVon n.qulrs that :all credRors ac?uel 9a of its jetrns. bsfore~ lhs• ciodB Is grarted• or tttek aoepunl Is tepgting.n ~uaily sYaMabk. m ell cTndNworthy wsibmers, and ~ihef cresdlt opened. '-please'ss~~ri 0•y0u are nos applytng (ar thfs.ecdDUrtt pt bin wttb genctas•ritairtnin SepiN~ta crgdk: histartes -ore sash Indluldual upon yyotu Hausa. Th6 ve3h.6eln tac,- grerded, wik ba IncWn'ed in thr .~$yuest. The Ohio Civtl Rights Commission edmtnisters cpmp8ance wk}t this I~lerast o(Ula rrrerrlDge n~ fainily'df the undel~slglted, M 1~irlSCONSJFI RESIDENTS ODtLY: ('1) No prpvlslon-Df any marllal proporty X agreargeM,.-utUa1~aI~tslegtetR underSa n 76858, ofcdurt douse under D3/a6/aD12 •$etdDn 788:70 tvld AdVnIS~ eliscL•IIIO rights Ol lhB' CrediCUnlOn URIPSS thB :SlGttg7UREFORWACONSINRESIOENTSONLY' 'DATE - _ . - t• 'c°r°..:'. :tou prDmfse•tryat,every~ng you haYO-aiated kt title app~~Cetlap Is cof;ect ro the tile' Credlt.Udari vrN ?ely tin tfie IMomtatlot! in this appUceUdn'e our credt[ riser Df your RnoWfedg~ aadUret tltenl>ove Irifairmation Is a a6rn'pirite Iisltng~ot report to iitaike'Us~ decision. U you requcsC the Crer9# tht~n wNty'you the vilTTat you awe, tf there pro any Imptutarlt:ehengas ypuwlU notify us in wddng name and address of any c~edk tnueeut(om which h received a ~rrecNt report lmmedletaly. You atdharha tha_ Credit Union to obtain aer}It feparts in on you. It is a ladeia91 r~me'b vrpifully ettd.delBtDrata' ' mplete or ~gpnnectlbn Ydth Utt! appllmtbri' for cradle rind for 'on update, )ntirease, incorrect lnpxttreYpR .ort-'loop applioadOtts made to fredh unlttns or tl8hewel, entensian or co ecUon of the ctBdlt received. You unders(spd that srat8 rherceTed ved~t urriaris itl'surad by NCUA. • 1sEAg32ae/cola X tsEALp3/ syaDla ;APPLICANT'S9tar1Jt7URE OATE OTHER SIGNATURE DATE 'D. °•:•°FoRCREiDITUNfON:USEONLY:.' ,~y~ AFPJtOVED OVER 516NATURE LINEaF'CREOIT OTHER 07HER DEBiRAT10t5CORE AApppps~ RE ° lIN1T5: eEPO AFTER OEp1EO ice;.. (Ad+~eAriNaNa0ca5crl) s 5 :S $O.Oa 5 39.914$ 36,738} it ~LItAN,OFFlCER rANIUEttTS: S!GNATURFS; - j( x. OATE DATE PAGE 2 ~ AItMOZB (LASEte i -~Z ~.;AmeriChoice• ~sppanla;on~gDtlve b~ AI.~Mded,era, PA 40SO ~ I kr~:raeasn~~aace ii uN~aN .ririlr3iT1 dutdlrty RelddauArPs'Far ~Jr~ lM3iD.t7E.1 ~ i l.OAiU AND SECORITY AGREEMENTS AND DISCLOSURE STA1~UlENT ' i01W OA7E t.OJ1N BR7t116pit ACCDUFIT NUhAR~ ~ GROUP:POtlCY NU#QER MA R1TY HATE a3f27/~01Z D3,2T/2017 N' - AaOAESS ~ N!W(E'IAN6 AOailF3 tF OFFERENn FIIOM a tl D7AI,2 TARIQ TADMAS 2284 C3leiiri .pr Enola eA 17025 - - TRtJTI.1• [ : LEftiDiNG~ DiS •LO TiE:= e' . : ~ _ ; . _ _ ANNUAL PERCENTAGE RATE FINANCE CHARGE Amount Fltiasrced Total of Payments. Total:~5ale Qdce The edst of your tmdk of a yearly rate. :lhe dnlinr otnaudt the The, omaunt of metlit The aaiwn[ you w1R hove The fatal c9st of your ptuchase on credit Is eretllt wln cost-you. ptovlded to you or on pqd after yoi( havo prods s yaurbehnlf. nBpoyrtjants.as.schoduiad. 14.990 % 5 2, 251.47. S 5 r 093 _ 10 ¢ ? r 93.0.20 1vN°h IReAides your dowi~iaytrteM of•5 .Your Paymprit Scireduie Yttiit Be; Prepayment: If you pay off early you will hot have ro NumbE:r of Payments Amount of Payments When Payments Are Dpe pay a penalty. s5 S 132.19,. aeainnina at/av/l1 Regti'tred Deposit: The Annual Percentage RPte does • Monthly' .Thcrneftex not t»ke lnto aeaount your tpgriired dePos t, If'any. 1 & 131:GG ~ Pinel Paton o3/a~/i~ ~ ~SUmption: Someone buying .your mabTle home car~tot assume the rem• pdgr or t}?e loan' on the Property Instusrtce: you rrray obtain property Insurance from. arryone you origir{al terms. iwarrt.that is acceptable tn'Ute credit uinlarr.•df you get the Insurance from us; . ou vyi11 pays Demandp ~ This obligation has.a demand fealttire. .Late Charge: Aif disclosures are taas~d on an afisumed If any portion of ycsds. payment ie more .than, 15 days •late, you, will rnatUClty of Otto yE!i#:r. 'ynpur a late dhergo equal to 5;• of the payment amount or, $15.00, 'bhiohevar is greater. - F16ttg Fees Non•Fling Insurance S 5 Security: Cdlatgrai securMg other loans with the credit .ts?Ton: may also secure this loan, Yau era giving a security httarest {n your •sharas and divltiends and, if any,•your. deposits and Interest In the credit union; and the property described below: Collateral Property/ModellMake Yaar LD. Number Typa Value , Key Number go.ao $ a:0a Dther (ilesuibe) o. 00 i Pledge of Shares $ a. oa In Account No: $ a , ap iri Accoynf No. See ybur'contract documents for any addlttanal informatlnn shout nonpaymerrc, detault,'and'any required repayment to full bepore the scheduled data. :R~y slgrting as Borrower, ' ou agree to the -terms of fha. Loan Agreement. If proptarty !s described In the. "•Securitv~' section '~`f the 'Truth to L•ending Utsdosure, you also agree to the terms of the Security Agreement, if you ,sigh. as 'owner oti ~raperty" you agree only [o~the terms of the 5ecurlty Agreement_ 77~'i CAUTi0N:1T !S (IUIP012TANT THAT YOU `i'HbROUGHLY READ T1iE•AGREENIENT BEFORE YOU SIGN fT. Ji - ' 1/L , t~q3/al/aoz~ X ~lseiili3/ T/xaxz .eoRROwEr[ t oars eaRaovuElt z oA~e • tsF~yt/z~/zoxz ~ tSrAU3a.'~/ao OTiiER otNf{ER of PAaP17rrY ~ N65 GATE ~ G7Hnl aCRR[IWER. ~ OWNEp OF PRO!'ERTV WfrMF55 GATE it~ i. 4•.- ~'tUNA MUTitAL GAWP, t6n9, 20fY1, Dl, D2, 05, D6, DH, ALE, RILlRS RESERVED N7()ID2n ivsail y~;1, ~ _ _ _ i 1 Credit Union AmeriChoice Federal credit Union Loan No.~ Aeet. Na. Boriower(s) WA2,I .TRRIQ THOh1A3 . ~~fTEMfZATIOIV,OF:T•FIE:AMOUNT fiNAN ~ : : - r~~Itemizatien of Amoilnt.Flrtanced of Amount Given to YaJDireclly Amount Peid,on V.ourA+:count Prepaid Finance Cha~ge• ~ 5.5, 093.10 S 0.60 S 5, 093.10 S ...Amourlis Patd to Others on Your. BehaiF, (IF an amount Is~ marked with an asterisk yvs wiq be retaining a portion of the amount,) 5 0. n0 Ta g 0.00 To. 5 O.,Ct1 To 5 0 . DO To $ 0 . [i0 To 5 0.00 To: ~ $ 0.00 To 5 O. DO To 0.00 To S 0,p0 To _ s D.DD To $ 0,00 Tc 5' D_OO To 5 D_DD To ' rr::; :.••~.._°r:-• ` :..LOAN AGREEMENT' : r. iI{i this. Loan Agreement ("Agreement,' 'all references to "Credl[ Union," "we,° "oUr.," ar'"us," mean the Credtc Unton• whdse name .Appears abovrZ and arryoge•to whom the Credir.Unloh assigns or transfers, fhis•_Agreement: All rererences'to "you," or. "your" mean each 'person who signs ~hts AgreemenGas a Borrower. ~1', PROMISE TO PAY =You tomise to ~ 5 e ~ 93..10 • P Pa to the Credit Union ptus-IntPrest on the unpaid balance until what you owe ?~ias been repaid. For flked,rate loans the nterast.rate Is 19:990.06 peryear. .COltacdon Casts: ;You agree 'tn pajr a71 coats Lif collecting t1~e amount you .owe under thsa ~>Agreement, a:nclvdi:ng ressanabl.e attolciiey fees not lit excess of 33t of ,the unpaid debt and all court coske. t" pAYM 5 You -prorr~lse to• m ke ayme is of ~he ha ens, thak vire believe )tray erfously: affect out' b11it~ to ' mqtirtt ~tidat -th's= tkna , shovm - ki .~ie pFruih '~ri L d n re~y ~ what you owe, tmcfer ~i•i~s. re~inent atY if y a~ In. ~is~losure_ Yqu ma .preps any amount without •pene~ty, dafaiilt t~r~tdef loan a re~~nt • ott have i tis ou pr ay '.of ~~~~t you otn're;• •ou are still) ret~iired 6, ACTiOIY~~AUL'Ig-1Ntteq ~u are In r~e ult, U+re ;~ii.mak~tfie r ar sttettttied p ~,ts ; un1 we have ayY derv Im to paylT~~nt o the t)re,. u old agreesa to a ~ e p enC~3fiedule. ~ecattse this ~alarlce'Untiar this Rgreatnaht.' You atve }~ou~av is a sim le t roan, i u hot make aymBrits to rec ive demand ror p nt, nok~ce of~ to ileman~ exact( t~s• •s~~jed, y~r ~ ant ~il~v b~ rfipre .or iritmec~ate payment ari~ n~otlt:e. of dematt~ r ir~imediate ~ess plan the arno t oT the fin. ~a~imerittltaC is'dtsclased,. avmertL IF 'We detrrerid diaoe t. , au w II L ou :e[ t nsurance,- we.. Q- •eltl)er cl toil 1 aayyrrrr~~aenn ude khe. tine to ay interest at rate ~tovitled fo~ in th~ ;pl~nlfpn r~i.ypttf• aympn or ext d~e term o~your loan. i'ee(rient, ungl owe has heart re We will. ilfi term Is • x~rtde y • ~i be r erred -to make a o ap I aktst :wry oWe any shares ar sits- ~d~~orral pa is . p e sc ed amo~rnt, utlUl what ~ van ~ t»•i vl~ [s A i"e ment. We i~}aai o ou owe has pa~r7 u p~e-~to fneke•efi` rents. ~~xerctse any oth~r rf given. !~y ~faw when yoµt. are ~n~ e. late we ctaose. this ktan• ttzfit antes antr~ttfier loan default • ,we tisye wi(h u, a .other: an: vyiil .~e ci~f(gt~ed ariil 7. EACH PERSO~ RES~ONSIBLE• Each ersat w'' o si ns •~Knanced'as ~ths~$te qf dt~ loan,, Wiese o erwls this A nt fl ba; dtvkltl'$ a d tlo }}~y Itill~• r re Ired,4jr•latAnr, a tswpl.be applied to amounts owed • 'a the enUre..ainount bweq~~ertl~A~r~t Th~s Jrt•. e ' ~Wa ~ 'enforc otp' his eg~ins[ ally one(. of you. :t3,,~0 vc AIL - l~t~e ~iroceeds of this Joan ; divt g1 gg~s a~ of yot~to~ettTer. ~are• dd to ' u,. , it n Ui. • oa. begins oil the date B.:.LATE ~~~GE' - ~f yves aG•e i to In iltak~ruU a jent, ou e °f Yy ~ rorr~Lse to pay the lat€rchar s~mwn m e Trt~trt Lettc~fh SE~t LO~s A~r„eeme t Is securEd b' ~ aA glsclostJre.'• II' no Tate chafe is shown, .you wIl!' not 6~. .~ropdin . lasure, Pr-. S ~u~rkt s odor losr~ au ~ave• • • 9D~~ V I trey g Q ~,q - I~FO[t RI Hi:S - We cart ilel orcln aL~ s thts"ki ta~ss. the prop~r~ s a a of olir ts-rJnt~thls Agreement aryy nu~ti"et•-titne~ ~wel rlci: A dw~sacrrres: lom~t ordv If R Is ~e~~ed vy~tiput )o the ab~ity to eXarclse our n9hts ater, . e ca ;i • ,the "Sectirtty ~ of the' ruth to Lendln D. ~ nsure arirorce Agreernlsnt against your heirs or' lega~ r this loan- In ~ txi• to your pled a of shams We aY represanta ' es ' so have what is known es Ti sbactx Ilan on ail ~ndlvt~udl U CO U ~ D ~pFEpTiVENESS - !f en ~ part _or this d lotnt accorr{~~~ts. you ha~te wltr~~ s •A statutor. Ilan •pc~r° ' § ~tarrrttrted by a court, to he un~nfbrce~ble, the 6a we have~e gh[ ur~tel'~federa jaw and man state I'e'!t air[ In~:~pfffct . ws to etas an~ merreesst in u accounts_ ' ca nfoic~ 71. NOT)C~5 . lVdtit~s yiritl pe 'sent to yqu at rile most • ; statetoty~ lien: ainst s . ores a d 8lvldertc>s;• 'arid if ratan .aad4dre~ oti rn1 Ve: !v us in writlii ~ Notice' to ariy ah Intefest .an~ da~dslts,::~n ell ~ dtvrdual and. Qlnt or,e o u wi ~e nbt~ce td a~In ~ 9" at:~ourits you have ,with'us to satls~ any outs~~Uing 1Z ~$~OF ~CCQU,NT'-You. rQrr?IsQ to Ilse oyr',account tlhanctat obit9'a~n that is dus:•and pay le .tb us. We may for donsumer • (personal, ferTi~v or, househol~j au ases; b erase our 7'ig"itt to enforc~ this Ilep w~th uter'not:lce ghless rite a~dlc unian~ives. ydti written perirtTsst~li~a use you, to the ext t, erttt tt : byy is i~or • 1 orrowet's: rite aacottht gists fof.a cLjitul'al 'or commerc(e) purpbses, or o p e a5- cur [or th)s Ibe'h-all shares and dividends to' purcha'st3-real estate. d ~ tle ~ts• 'and Ixttetest in .,alt, joint end 1.3. NO, tfRAl, AGREEMENTS ~ TH1S N07E CONSTITUTES :'~~vll •a~co~ts y u have with the edit union" now and the futttfe, e s Ken •an~r o r ledge will A. 'WRfi'fEN LOAN AGREEMENT' PURSUAT~tT TO a~ow us to a !y th f s n ur accoun s • t~ ,hat ou SE ON 26:02 Of TFI~ TEXAS BU5tNE53 AND awe vuhen y1~i 3~re ~it du t,-~jtie stat,~it ~ry~len and ~ur COERCE BODE., IF SUCH ~SEC't'tON APPLIES: THtS le a do r'it~t-s ~t a8nn in !lie, meat Acc nt WRITTEN LOAN AGREEMENT REPRE5ENT5 7HE FINAL atheoac tc t~iat ~iiou~~ ose' e~aml tax treatment AGREtxiRENT (3ETWEENfiHE'PARTIES AND MAY. OT BE ie~l law if g~vep ~s se ur~fty: CONTRADICTED BY EVIDENCE OF PRIOR . CO~Y1'I'EMP- A, T -You wEll ba•tn effau [ r is Agr~emen[ If ORANEOUS •.OR SUt3SE DENT ORAL AGl2ltlr~lMEly7'S OF ou not make a pa rrlent PL the, amount i'e Aired .dri or Q efoCe the date It is dt~' You will be In deEfault~f au break. THE PARTIES, THERE, AFtE .NO UNWRlTfEN' .ORAL a ise ~t~ made fin conhection with thjs ~oan ~rr if AGREEMENTS BETWEE111 THE PARTIES. Ott oeq is in, a aunt u der en se~clntY an're~men ma a in 1 A: 07NER PROVISIONS - po n~tto with this ' eem~nt. Yot!' wnt be in d fault .if bu die, ~'lle for ba Dt y, become Irisplvent ~ a 1s, able tp a our b ils att~loa s• as. the beco a ~e , or ou a~e ~ false or misleac~inqq statetynents ~ your'~oan. p~iiica`t~on. You viiltl also be Tn default if .something ~CUHA 61UlUAL G90UP, 199. ZD94 01, 02.01, 09, D0. ALL AIOtiTS HrSFliVED ~ NX31020 ~U~9rAi it I;i •~i credit Un1on Amei-iL'Itbi;ce Federal Credit Union Lean Na.~ Acct. Na:~~~~ -r• Horrovuer{sj. WALT TART •TIiOMAS , ~cuRITY'A MENT~':: IH: this Agreement ~aU 'references to. "credTt.unltm," "we," "our" or payments ~o, sus and ~Z} the cost of determining: coCtiphartce tNlrh. the ,I us" mesn'tltil. r~CHt union whose ttttaa~~tts, appears oty this docutnen[ insurance iegtdrr+trients. if we add atriount€• for taxes, .F~s or and anyone td whom the credit txNon' assigns or transfers this Inst7ranca to tbe'unp"aid balance of the Lnen,.we may.lncrtease your Agreement, IAN references to rite "4.aan" mean the loan dasp;ribed to paytnants to pay the amount added wiihiit the tQrm o f thee. Ulsuranen rqe Laan Ag[eeJt[ent. that is part or this document. All references to o~ term of ilia. Loan. "you" or "yaw~~nearl any persan'vyhii signs this Agrearnent. 7. 'INSURANCE NOTICE c If you da not purchase ths~ regctlred a;; THE'5EClIFtITY FOR THE LOAN -You gIve•us uVhar is kriaW~ as roperiyNtsurance, the ihsuratx:e we may purFhaip and ,c~jhaatrggee yoti @c, sacurieryy interest In th@ property dasl~rtbeil in the Security'' ~ inrgT wver onljl our isstarest Ot the Property..'titia. prardl mforthis ~Qcdon o~ the Truth in Leading Disclosure that Is art •af thl~: Insun3rrce may bs Hgher.becattse the insurance comp~y',maayy have document ("rho Property~ T.ris esurity lrtterest you Iva ktctcides van us the right to ptuchase ittisurabce after uninsttted •cGliatetat 1s htl ~accassions. Accessions are s which are attached, t0;or or dam The litsuj•attes:wTTI'not be. Ilabltty••Ti?st~anix and •lnstelled bt the Properly, now or in the future. The seeurtty Interest w92 tit ssty aar~tyy srdte~ fin~id'at respoii5ibl6ty Af na. fauik 6ainrs. 1YsP includes arty r>~t eritBilts rho PritpertV tnihich yoU 6iry g, DEFAULT - Yoit vritt be Ih.default If you break arty Fuptnise you jylthin 10 days of the• lstart and any excensffa~'ns; renewals •or ,make of fail to orm any ob{tgtlpan you havo unsier thi's r$fi1'tan s oPT the Joan. It else fiiciu as any .njoney. you 'receive Agte~n~tt. Yotr v~rT~ be'iq defatitt If any, property yoti hav~':given us from set. tfw Prb or titim ihstrrarice yoit -have. tin the as ~serxatty !s to sesgetl bx •someone else; seized under a ro ~~flie~Vakre o' ,I:fie pro daoEnes, ou romfsa fn ve • pos pp p~Cy: Pe~y y P 91 forfeiture or• s(m~r• laW, or tf ariythlrig. els® li~p{~ens that' GS more. ptp~arty secu'it ii~f _eikad tc tikt'so: sIg'niflrait ltffects the• value tit. the property or ~ou~ "stxuiiry x, WHAT't'F~ 5ER1'iY ®9TEREST (~~?ERS1CitQSS'COLLATERAL pttarest~fn~.''Yalr will~also be Tn default under this Agreernant'If•thc t?JtOV1510NS: - 7ite eecurlty interest secures the. Loan and anyy L.aan.{s ~ dehnit.. ~ rettnwAts:or rs¢Ifinahclstgs oE'the loan. {f tiro Properlry fs 9. WHAT HAPPENS IF. Y.OU ARE.IN-DEFAULT r When ou are In cwt a d ~ ~y tntrsr'est silo secutos. any other loans, ~ ~t~ aye ~ dstnand tmmecYsts a nt of the ng gcluding•~y h81tp naval at reeefve In the future ~ P ~ m its atrd"'atiy other amdu you awo'ea for:ariy reason noinr ur ~~ce of'thp iosn. yu[tfwut givMg you advance ratite and take n che•.futtue, t airy [am sedz;ed bb.~~• yynnt~o~ Sirb?a1pa1 residsncc. If' pis Pf the ro~~y Ypu.a9tryae ~ha Cladit.Unuxt " ttja'r~ht e Prppp~rty ~sehgld goods as d~'lfled py the Federal T'rad'e th ~~~R °r me~Propar wtttioutJuiddal"prat ss tf this onanissbn Gfedit P.ntcdc~s Fbde or your' pnnclpaf resldencer. the cart be one without br$aeh of the peace. if yra ask; y~ se to ~i~erty vYip secure 'aniy' this Laah acid not other losrts 'or amounts delivet'the Pr~t~~'i~~~y at a time and place tore choq;e.lf • pro}ietty yy4 aWe. us. ~ ts•a tdtoui"r•vehleie or Itaa4 you agree tltat:we•fisay'obtairl akey or 3. •owNERsNits OF''fHE PaOPER7Y - Yau prarittse thatyou dwri'tlie• other'devtce ttecassary m' unlock and operate 'it; when ou pre )n g}~,o~perty or, if t}d{r LoaH•Is td bu the. Prop~y, you pramise.yriu.vsilU default: ~We will, not be onsibfa far .any other pr try .not Wse the l:oarf proCeodds.tor-tfti~ Yolt promise that:no ante cov~'ed py this Agraeinertt uiat yyau,teave. )nside ltie .pfop'Bertjr 6r Ease has•arty kNsurast.kt ~ claim a~tlie•Property~ R(tpt v~~;;have that Is auached to the Property: UPe wilt try, ta'retuin that property opt ~ire~~~rt told us about. You' pramlSi! not 'to sett ar feese •ttie to u ar make It•aval~taYor.-you to claim, oi'tb use R ds stfcurlty fair a lost v~th another creditor until Ai~ar we have passersion o/ the: Prop~y~ vue can .se{t it antt'spp{y t~iepLoa ~ • ~d' You prom~se-you will agoW ill; other 'security the money w t,ny atrtoixres•yvit.awe u" s, We wilt'give• ' notke.af igtatest aKldrt~ Busch to the Propeity•elther bj? your.aadons ar,by arty pubNc ~s~~tlon at the.data afterWhlch a privy s. tbn pertttfan of wAI be•tadd. Our rases fof taWng''p4.ssen.of•atit! it're PROTEC'i1afG THE SECURITY INTEREST'- if your state: Issues a Propetty'Fsv1p, be tl~tesi from the mattay rece4vad fro .sale: ~ie for the you" prtxrttlse tb have our sacudcy interest Thoce:casts may kwktde the cost•of stnrNtg the Pramny,'P~infd own;on fhs; Wray have to fl[b what Is called p. flnancing k far,• sale acrd ettorireyy~~s fees to the exteTtt perm, Toed ttt^tcfer stlate ' ~ats3ntartt to 'our sscstdty htterast frorrt'tlie-claims of others. law oreiKatdetl irn+ier?ie 8atdrruptcy Code> . gu 1 , etRltoriza• us to exectNe. (on your ,tis3half), ll if jiou hav+s~ . to y lire L:opn, y~ must pay an s rt that plies 1s:,' ' Rte doe dr 'more txTrjg; : coorr~~Unuadan _ or remalns.unpetter ilia sate nionejr"tias .been app(le~d to a _rurpali! endment•ststAfnants ptrrsuanc to theform Comhterdal Code balpitcg of fE!}e Lcarr:attd to`urhat you'owa'ihider th{s r4 mart. t~CC • Tn form•saWsfactaoty'•to us. Yoit prortt~e do uut,atever else You.agrtde, tb pay lrytarest on that amounr:at thi: same to as.the e t 'Is tteegs~y [o protect oUr seiakfty IrKerest in the Lean •tmtN t 'fat's a(cJ. Q.roperry. Yau alga ptotnise to'tss~r alt ~sts~ irsplutBrtg iwt trot Ilttliteti i0: DELAAY.. ~S;pND GHAif1GES W THI LOAN - fQ any o ,fees. vix hrcuii~ irr prot~gxht.cuu' seta ' in ~w ~Itd we:cati dala~• .errbridrtg anYy of~ our tights under'Itds Agreajmet~•any ~hts in flue t6 the extent • d~bq app n rnber of thtte~:,vtditrnut msktg, the abNity m exaf se• drat d~ts USE• OF elf = Undl the Loan has keen pakl •off, you ~~.'ryyp s:an ehfoit~ this A~~rtseement agalnstyogr, heirs" or legal• . yYou 1 Uss the .prop', catgfutlyy grid ices k Ih;good reeppsrr~~U rari~iai~tfgn~e ~~s of'the Loan,.yoU egrea•tha0 pale. (2) Obttiht our written t~silori before :m~ or; thi pq~ T 'ffiect, • o the a then the addbass whore th ty 1'i. COIVT EFFECTiVgYF$$ - if an port of Ihts Agrpertiehf'T§' kept. ~ ~Infvfsn its~~uPtti cEtettging yotu a~rass. _(4) dateimtned ;by a carat to be uriehCnraea~te,•rha'rest Wilt'retstatn iti ' ptry rwti us If tr?e p. Is dahae~ stoteri or (t.ttse:the~roperty for 12 NORTH DAKOTA NOTICE TO 80RROWERS: PUR plG A unlaiNfulg se. (7) Not retitle .~rdperty tit another state ~.~R VEHiq,~ THE'NIOTOR VEHICLE lN'THiS, ION ~~PERTY' s~ NCE, TAXES - Voupromise to day ~Y. 8E 5U8JECT T0. REPt75SE~ION: 1F IT IS. SED a~ taxes'ahd feRi~•r n fees siue.on'the t~roperty attd to AND SOLD TD SO1u~t7NE EI.SE,ANR.gIl AMOUNT DU TO THE kkggep the Proparry Ins}rre~frfrtst loss and 8ainagge. The afiount and SECURED'PARTY FIRE NOT RECEIVEt3 (N THAT SEILE,; . • U MAY dpiiersge of, die prop Vance trlttst ba'acceptable to us. You HAVE TO'PAY THE~DIFFERENCE: ay pravlda•' I~• ~suranca :through a oficy.••you already NOiiCE:EDR ARtZONA'OWAIERS OF PROPERTY - It 15 txilawftd pve, or thrt,t a.•,poi)ry get aril pay fat. Yo~C promise trj make Y. ~ retttrft a mats v~slc(e that !g stibJect to ' aecurlty CFte insurance ~p~ Is to us and to dellvat the pogcy or proof Inti;rest,.4ulthlir.Utlrtj?.d' s eftaryoq iiava•recaided Bollix, ' •derauit, f'coverage.to' as iT s d to. do sa. The hotke wiN ba e8 to the•'address jrgti payer us. ~t is yaltr ;you ctrncel dlkr kisutarlcP.ettd : t a refund, we hQVe a right tb msponsib~ty, to trod us If your adrJrres; ohahgas. the tnaxknum dh,'R refund. lfythe Property is los~or .riameged, we can use the penalty for unlaVgftil failure to return a orator ve Tde is orle year iti lpeurartce t to' it the-PrQ r, or apply it toirvt;lyds what prison end/or a tineaf-315D,dOD.UO. • you vwe, au auto. Us to en~y draft or cheek which fie~' fo/~wlR n~c~a s DAfLY when the box ar /e //s~• d. ay be .payeble to yoir In order for• us •ta coltect.any refund or 14, NO~GE~RAtY ER OF THIS: CQNSU ~~1T eneftts r~uo under tttstrntrtce pogry, CONTRACT 15' SUBJECT TO ALL CLAIMS AND TENSES •Iyou do riot pay the texas or felts ctt the Property when due or WHICH THE OEBTOR COULD ASSERT ' AGAIN THE sap it Insured; we rr~y pay theme abRgattons; .pUt we are rat rb'guirl3d'm do so. Atsy m ~Y we apendYor taxes, fees ar lnstusnce SELLER OF .GOODS OR SERVICES OBTAINED PU UANT ~{Ut be. elided to the unpa balance of rite Loan and Vau wlA pay Ht:RETO OR 1MT}i THE .PROCEEDS HEREOF. RE Y rarest qn tJtass~ amotarts at bite slime latayouu afire~d topay an HEREUNDER BY. THE DEBTOR SHALL N01` EXCEED ~Y?la Loan. We may receltre paymens in connection With the ply{D~~yy~~yyT'~S.p~}~ gY TyE DEBTOR.HEREUNOEI;;.. surance f<om a potnpany which provides the Tnssurance. We may 15.'DTNER PROVISIONS= ~onJtor swr loairts for the •purpose of determining whether you and other borrowers have aompllod• with the tnsuranee.ragguirements of 4lrr loan agreettgents aR may engage of 'w du so: The insurance yYtarge ads3ed to tfl'e Laan may Include ithe insurance company's rl;• ~CUNA MUTUAL GRDUP, 7909. 2080, Di, OZ. 05.08; 00, AIL FIGHTS RESEFVfO NIOIgtB ~IASERI C; 1' I~:. 1 r. ' ~i !I . iJ• i ~..AmeriChoice° m ~,~a on•n adr• ~ ~ U• e•barit:PA tfcan Mlas~ raoru i'c•ko ri'ulliou rifapalj~ n_ td~0rinp Ral.:,anf(y~ I-ar life .eoosl0-uat ~1. ry: i iji: 'CR)=DI'I' iNSUitANCE 1 , ;You sari protect ~yalir financial future by signing 'up for voluntary credit insurance• below. Enroll. by simply indlcai<ing your :~referenca in the ".CredR Insurance Application" •secUor~ below. Ypur credit union will be happy to' explain tht~ various ?nsuranco options and coverage. The cost is~ reasonable. 'r•; <<h CUNA. MU.f [TAL GIZO[.JL ~a~~on, wi s3~rot ais±~! P~~~ ft~ t"'~ C[Alil MuCtal /ru<OmnteSorlet iGREIlIT.1N5URANCE APP.IJCATION & SCNEbULE Y Phona800!B372tatA' ~n•. '!You" or• "Your' •means the member. DO. NOT 51GN .THIS APPUGATION fF IT. CoNT1/q. ~NS ANY CrettiC insurance is voluntary and not. required [n• order to BLANK''SPACL-'S. 'This appticatlon Is void and w~tl .not be .obtain this loan. 'You ma select any insurer of your choice, used in a contest •if ail blank spaees have shot been. 1!au are applying tD the Society for credit Insurance on your comp'teted, N ttie member has not signed. airtd .dated the ,idan.. You agree to •pny the remtum charges shovm...The Application, end IF the Application has not•beeii witnessed. Tate. fol` 'thi's ~DVerage is su~ect 'to change. You will be ;notified in• adyanci before e. rat$' Increase is put Info'effect. fl' NOTE: The insurance .you're applying fbr contains, certain terms and exclusions; defer to your certificate for coverage. ,detafts. ~WAL'I ~'AR3Q 2rtIONIAS _ MEAtpFR's.psTE~etaT+?09/03/2:967 ArCT ;~o2N(INSUttm MIaAOpt ~ ~ ~otpT teelt~D~sOATE of ~Ln1 ACCT' '.GRO[D' POLICY' ~F y~ p~yIRE 70~AdREY'ONQ RA7F OF INTEREST )I$Ea ON THIS LOAN MOMfHLY PA F1T ~1;4 990 S '132 18 .EFFECTIVE DATE OP CER1tFICATE EIiPEtATiO(1 I)RTE OF CERTIFICATE TERM DF CERTIFICATE (N MONTHS INITIAL /1MDUNT OF LOAN !N URED ;03/27/2012 CD03/27/,7017CLD3/27/2D17 CD 60.CL 60 CDS5,093.1D CCSS,'093.10 fi 'T<~' TIIE FOLLOYYIHO STATEMENTS MADE DY.YOU gRE•REPRFSEMATIDNS AND ARE IRl1E TO 7NE BEST OF YOUR iWOWLEtKtE`hND Di11>~i. ti~,RL"DIT f~SABtl.RY INSllRAPICE ,CREb17 LIFE 1N5LNtANCE ~ 13'.1V~RxCH S~CT~ PREMIUM SCHEaIN.E ps Np COygaACE56160TED PREMIUM 5CI~DULE ~ C~tT $46 0.65 X s)NaLE CREDIT LIFE $1:2 5.68 ;X ARE YOU UNOER.AGE.' 7 NlAxnwual AGE Foq INSURANCE. ' ono Ja1Nr CREDIT I1FE ,X e(r ;ya! presently acthtaly at Yyork md• rdgutarty X ARE YOU UNDER AGE 657 MAXIMUM AGE'FOR INSU E None ptir!'btmklg. 871 of tllta. usual dulJes o(a gainful occupation a mlrtlmum d 25 hours a week? twawx'ur~! ~MO[prT of Saar Q,/Cp duo ma,d;;,m ali~ibilSty (No, why not? LDANINSUaAaLE . MAi •MA7lINIUM nge [or caw~cngc is 0G uitb no :.1MgNTHLYTOTAI AMOUNT OF tinder CI,/C0 rile moi~inuim eligibility S 50., 000.:00 tenximar} carminattaa data. ISARRn'Y ~ LOAN INSURABLE nga :Iqx eovora9a is B! Frith un ' CNATUR MEMtIER laanum Iv rhxNano•f pia F~oirsuhaee.) pate . S 850.00 S None _ xioutn texninatian.data. ,'6L a3/27/a8iz , f you are U)teUy h (or more . an. 1; ays, en the d a [y ~NAlUR~ OF JDINr INSURED MEMBER Qetn anent wal,trogkt w)th dta ;FiCtaaq,E2r day Or•dlselilllty. LO:+Y mqukad IrjoFt'g6Wt Ulo rtovi.ago b sateami) . (Bnsgatacheakcnod0mt+amcobaw:) ppa X 03/27/1011 03./1.7 f 9012 • Wff ~ Q, .Deco WITNESS ~ Data i .03/27/2012 ~ .03/,x7/2012 1APP:B0D.7187PA - APP.B50-7787PA If, _ 1. J; IPA701 MSEAI 1' :I:. _ _ _ _ ~ AMERICHOICE FEDERAL IN THE COURT OF COMMON PLEA~.S 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 Credi Union hereby verify that the statements of fact made in the foregoing Complaint arie true and correct to the best of my personal knowledge, information and belief. I understand that any fa se 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 ~/2'l ~/~L AMERICHOICE FEDERAL CREDIT : IN THE COURT OF COMMON PLEAS UNION, : CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff V. WALT T. THOMAS, : NO.: 2012-5415 : 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. 2012-5415. Respectfully Submitted, Date: 6 49 l ? P&Pov-s--? Wayne G. Gracey, Vsq Gateway Executive 6864 Susquehanna Trail South York, PA 17403 Phone: (717) 818-4713 '711, ?-c4 l Darrell C. Dethlefs, Esquire ID ~ 58805 Dethlefs-Pykost~ Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 Te{ephone -(717} 975-9446 Fax - (717} 975-2309 ```` ~ ~• ;~„ ~ kt~ ~RO~tH~,~~~ ~ . ~~rx ~aa 2~ aM ~~~ ~~ CUMBE N,Y LV~MI A ~ `' ~~'~ Attorney for Plainti8 CREDIT UNION, Plaintiff, v. WALT T. THOMAS, Dsfendants IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CML AC110N -LAW No.: 5415-2012-CIVIL PRAEC1f'E TO THE PROTHONOTARY OF CUMBERLAND COUNTY, PENNSYLVANIA: Please enter judgment in favor of the Plaintiff, AMERICHOICE FEDERAL CREDIT UNION, and against the Defendant, WALI 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: $5271.83 Interest (through 11-14-12): $988.47 Title Report $75.00 Court Costs $TBD Late Charges: $759.00 Total: $7,094.30 $7,094.30 with interest, accruing at 6.25°,G, plus the costs of suit. The undersigned certifies that a written Notice of intention to file a Praecipe for Judgment was mailed to the Defendant on November ~~ X012 and cop said Notice is attached hereto. Dethlefs y Law Group, LLC Date: ~ ~ " ~ ~ ~ Z By: etl C. Dethlefs, Esquire r~~• S~ ~°~°~ ID#58805 ~~~~~~'" ~~3 S~ ,~, IPd CREQ~T UI~N, : iRlA1-~ COIBITY, PENMSrI.YANIa Plaintiff v. No.: 2012 5415 watl r. ~licIMAS ~ - CIVI{. ACTION -Law _ m ~ro: war z. ~~ Wayne G. cr,+cey. Esquire ??84 Gteim Odve Ga~evray Eivc Suites Gx~la, AA I?Q?5 68tr4 Susqu Tra;1 South Yat;, PA I?443 !)A'1~Fi Ol~ NU'f1Ci3: Novcmt+er 14.3Qt3 IMPORTANT NOTICE wali ~r. T doWayne G. Gracey, Esquire Gateway Executive Suites b864 Suagt1c11anna'Traii South YorF. PA i7A4 YOU ARf IN DEFAULT BECAUSE YOU HAYE FAILED TO TAKE ACTIUN ItEQUiRED OF YOU IN THE CASE. UNLESS YOU ACT Wl'CHtM T~1(10) PAYS FROM THE DATE OF THlS NOTICE, A 2U~NfIrNT MAY BB f.NTBREO AGAIWST YOU WITHOUT A HEARING AND YOU MAY LOfE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTIClE TO a LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPtWiME THB IrOLL0~I-ING 0~'FICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP; CUMBERLAND COUNTY LAWYER RBFBRRAL SERVICE 2 LIBERTY AVENUE CARLISLE. PA 1?013 (7l~ 249-31G6 A: ~Vali '1'. 'llx~rnas Wayae G. Grncey Esyuiirc Wali '1'. Thomas _"_S~t Cilrim DrivC Gateway Exctiutivc Suites ciaWayt~ G. Gr~u;cy. Esquire F:niyla. PA 17t3?~ G8(4 Susqurhmimt Trail South Gat~~v Fa-c~cutive Suitra York, PA 17403 68bSusqurt~antta Trsit South Ynr1-, PA 174(1 I~C:Z'h1A lll: NO'I'ICIA: Navem(xr 14. ?Ot? NQTtCtA tMPt?RTANTE l~5't'ED NU WA COMPLIDO CON F,L AV1S0 ANTERIOR PORQUF i-IA I~At.'1'ApO 1:N TOMAR MEDIDAS Rl~tjt11:RIUAS RFSPEC'I'U A F.STE CASO, S) l)ti'I'1:1) NU AC'I'llA DENTRO Di Dlti% (IA) SIRS DESDE LA >:1rCFtA DE 1~5'fA NU'I'IC'lA. frS POSlt3t•F QUCi UN FALt.U SERtA RF.GISTRADO C.ON1'RA USl'El~ SIN t ANA AU!)IENC'tA Y USTEt) PODRIA I'ERDFR SU PROPtEDAD () 01'ROS DFRECHU5 IMPORTANTES. US'1ZD DE13E 1.l,EVAR ESTA NOTICIA A SU A13UGAD0 EN 5EGUIDA. St US'CED N01'1FNE ABOGADO 0 NO TiF.NE CON QUI PAGAR LOS SERVICIOS DE UN ABOGADO. VAYA O LLAME A LA OFICINA F..SCRITA At3AJ0 PARR • AVERIGUAR A t)ONDE US't'ED PllHDE 0131'FNER LA AUYDA LEGAL. CUMBERLAND COUNTY [,AWYBR REirERRAL SERV(CF Z LiB1FRTY AVFIVUE CARLISLE, PA 1'IOl3 (71 ~) Zd9-3166 Date: I t -' i 2. - ' +~ Rsa ty Submitted, Oa C. Oethtefs. Esquire I.D. #58805 Dethlefs-Pyk~h haw Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17Q11 i'etephone: 717.97S-9446 Attorney for Plaintiff AMERICHOICE FEDERAL IN THE COURT OF COMMON PLEAS CREDIT UN10N, :CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff, v. :CIVIL ACTION -LAW No.: 5415-2012-CIVIL WALI T. THOMAS, De#endants To: Wali T. Thomas Wayne G. Gracey, Esquire Wali T. Thomas 2284 Gleim Drive Gateway Executive Suites c/o Wayne G. Gracey, Esquire Enoia 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 l ~-~ , 2012, the following Judgment has been entered against you in the above-c ptioned case. i Default in rem Judgment in the amount of 094. wit i rest, accr i ' at 6.25%; plus the costs of suit. DATE: ~ °Z 7 ~°2 _~ Prothonotary I hereby certify that the name and address of the proper person(s) to receive this notice is:. Wali T. Thomas. A: 2284 Gleim Drive Enola PA 17025 Wayne G. Gracey, Esquire A: Gateway Executive Suites, 6864 Susquehanna Trail South, York, PA 17403 Waii 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 e! , 2012, el/la 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 Certifico que is siguiente direction es la del defendido/a segun indicada en el certificado de residencia:. Waii 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 clo Wayne G. Gracey, Esquire A: Gateway Executive Suites, 6864 Susquehanna Trail South, York, PA 17403 Abogado del Demand ante Dethlefs-P ko w Group, LLC Date: ~ ~ " ,2 ~` "~ ~- 13y: _ D rrell C. Dethlefs, Esquire (#58805)