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HomeMy WebLinkAbout13-2920 Supreme Co nsylvania COu , O'LinO leas For Prothonotary Use Only: l.. 11 ✓ V iC at Docket No: � 'tf✓ �l l CU � County The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the filing and service of pleadings or other papers as required bylaw or rules of court. r � Commencement of Action: S J Complaint ® Writ of Summons ® Petition Transfer from Another Jurisdiction ® Declaration of Taking t C Lead Plaintiff's Name: Lead Defendant's Name: T LOCAL 520 U.A. FEDERAL CREDIT UNION James B. Adams, Jr. and James B. Adams, Sr. ' I Are money damages requested? El Yes ® No Dollar Amount Requested: El within arbitration limits (check one) [3 outside arbitration limits N Is this a Class Action Suit? ® Yes xi No Is this an MDJAppeal? © Yes El No A Name of Plaintiff /Appellant's Attorney: Robert D. Kodak, Esquire 0 Check here if you have no attorney (are a Self- Represented [Pro Sel Litigant) ! Nature of the Case Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. 1 TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS ® Intentional © Buyer Plaintiff Administrative Agencies © Malicious Prosecution ® Debt Collection: Credit Card [3 Board of Assessment Q Motor Vehicle 0 Debt Collection: Other r-il Board of Elections Nuisance Bank Fees 0 Dept. of Transportation 1] Premises Liability 0 Statutory Appeal: Other S 0 Product Liability (does not include mass tort) ® Employment Dispute: E Slander/Libel/ Defamation Discrimination C Other: 0 Employment Dispute: Other 0 Zoning Board ❑—� Other: T �I MASS TORT [3 Other: © Asbestos ' N ® Tobacco © Toxic Tort -DES © Toxic Tort - Implant REAL PROPERTY MISCELLANEOUS ® Toxic Waste ® Other: 13 Ejectment ®Common Law /Statutory Arbitration B ® Eminent Domain /Condemnation [ Declaratory Judgment 0 Ground Rent n Mandamus } lI Landlord/Tenant Dispute ® Non - Domestic Relations El Mortgage Foreclosure: Residential Restraining Order PROFESSIONAL LIABLITY ® Mortgage Foreclosure: Commercial ® Quo Warranto ® Dental E3 Partition [3 Replevin ` ® Legal ® Quiet Title 13 Other: Medical © Other: © Other Professional: 1 Updated 1/1/2011 „ TF�, p'R0 T f . 0 0 yF; y COUNTY ROBERT D. KODAK, ESQUIRE KODAK LAW OFFICES, P.C. 407 N FRONT STREET, PO BOX 11848 �! HARRISBURG, PA 17108 -1848 (717) 238 -7159 Attorney for Plaintiff LOCAL 520 U.A. FEDERAL CREDIT IN THE COURT OF COMMON PLEAS UNION, CUMBERLAND COUNTY, Plaintiff PENNSYLVANIA v NO. JAMES B. ADAMS, JR. and JAMES B. ADAMS, SR. CIVIL - LAW Defendant(s) NOTICE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claim 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 an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, 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 BAR ASSOCIATION TWO LIBERTY AVENUE CARLISLE PA 17013 717- 249 -3166 �,� � 103. CL f en al (K AVISO LISTED HA SIDO DEMANDADO /A EN CORTE. Si usted desea defenderse de las demandas que se presentan mas adelante en las siguientes paginas, debe tomar accion dentro de los proximos veinte (20) dias despues de la notificacion de esta Demanda y Aviso radicando personalmente o por medio de un abogado una comparencencia escrita y radicando en la Corte por escrito sus defensas de, y objecciones a, las demandas presentadas aqui en contra suya. Se le advierte de que si usted falla de tomar accion como se describe anteriormente, el caso puede proceder sin usted y un fallo por cualquier suma de dinero reclamada en la demanda o cualquier otra reclamacion o remedio solicitado por el demandante puede ser dictado en contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero o propiedad u otros derechos importantes para usted. USTED DEBE LLEVAR ESTE DOCUMENTO A SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE UN ABOGADO, LLAME O VAYA A LA SIGUIENTE OFICINA. ESTA OFICINA PUEDE PROVEERLE INFORMACION A CERCA DE COMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGAR POR LOS SERVICIOS DE UN ABOGADO, ES POSIBLE QUE ESTA OFICINA LE PUEDA PROVEER INFORMACION SOBRE AGENCIAS QUE OFREZCAN SERVICIOS LEGALES SIN CARGO O BAJO COSTO A PERSONAS QUE CUALIFICAN. CUMBERLAND COUNTY BAR ASSOCIATION TWO LIBERTY AVENUE CARLISLE PA 17013 717- 249 -3166 LOCAL 520 U.A. FEDERAL CREDIT IN THE COURT OF COMMON PLEAS UNION, CUMBERLAND COUNTY, Plaintiff PENNSYLVANIA v NO. JAMES B. ADAMS, JR. and JAMES B. ADAMS, SR. '•. CIVIL ACTION - LAW Defendant(s) COMPLAINT The Plaintiff, LOCAL 520 U.A. FEDERAL CREDIT UNION, by its attorneys, KODAK LAW OFFICES, brings this action of Assumpsit against the Defendant(s) to recover the sum of NINE THOUSAND ONE HUNDRED EIGHTY FIVE DOLLARS AND TWENTY SEVEN CENTS ($9,185.27), along with interest thereon at the rates set forth herein; from December 1, 2012, plus appropriate court costs, upon a cause of action of which the following is a statement: 1. The Plaintiff, LOCAL 520 U.A. FEDERAL CREDIT UNION, is a corporation organized and existing under Federal Laws, having its principal office and place of business at 7187 Jonestown Road, Harrisburg, Dauphin County, Pennsylvania 17112. 2. The Defendant, JAMES B. ADAMS, JR., is an adult individual residing at 315 HEMLOCK ROAD, MECHANICSBURG, CUMBERLAND COUNTY, PENNSYLVANIA 17055. F: \USER \Z MASTER CMP FILES \L \LOCAL 520 UA \38878 AKR.wpd 2 3. The Defendant, JAMES B. ADAMS, SR., is an adult individual residing at 315 HEMLOCK ROAD, MECHANICSBURG, CUMBERLAND COUNTY, PENNSYLVANIA 17055. COUNT I- Line of Credit Loan 4. Plaintiff incorporates by reference the averments set forth in Paragraphs 1 through 3 the same as if fully set forth at length herein. 5. On or about January 25, 2009 Defendant, James B. Adams, Jr., submitted a Loan liner Application and Credit Agreement to Plaintiff, which creditwas'granted to Defendant, a true and correct copy of which is attached hereto, marked Exhibit "A" and made a part hereof. 6. Subsequently thereafter, on or about, July 29, 2009, Defendant, James B. Adams, Sr. signed a Notice to Cosign and a Guaranty Agreement to induce Plaintiff to lend money or give credit to Defendant, James B. Adams, Jr., in the amount of Five Thousand Dollars and Zero Cents ($5,000.00). A copy of said Notice to Cosign and Guaranty Agreement is attached hereto, marked Exhibit "B" and made a part hereof. F: \USER \Z MASTER CMP FILES \L \LOCAL 520 UA \38878 AKR.wpd 3 7. Defendants have defaulted under the terms of the agreement by failing to make monthly payments when due and owing. 8. The balance due and owing by Defendant(s) to Plaintiff is the sum of Two Thousand Five Hundred Thirteen Dollars and Thirty Six Cents ($2,513.36), as appears by Plaintiff's Statement of Account hereto attached, marked as Exhibit "C" and made a part hereof. 9. Due to the default of Defendant(s), and pursuant to the terms and conditions of the Loan Liner Application and Credit Agreement and /or Personal Guaranty executed by Defendants hereto attached as Exhibits "A" and "B ", attorney's fees in the total amount of Five Hundred Two Dollars and Sixty Seven Cents ($502.67) have been added to said account. 10. Plaintiffs Invoices are not attached to this pleading due to the voluminous nature of same and have previously been provided to Defendant(s). 11. Plaintiff frequently demanded payment from Defendant(s) of said amount due and owing as aforesaid, but Defendant(s) refused and neglected and still refuse(s) and neglect(s) to pay said amount or any part thereof. F: \USER \Z MASTER CMP FILES \L \LOCAL 520 UA \38878 AKR.wpd 4 WHEREFORE, Plaintiff brings this suit to recover from Defendants the sum of THREE THOUSAND SIXTEEN DOLLARS AND THREE CENTS ($3,016.03), along with interest thereon from December 1, 2012. COUNT II - Motor Vehicle Loan 12. Plaintiff incorporates by reference the averments set forth in Paragraphs 1 through 11 herein, the same as if fully set forth at length herein. 13. On or about October 6, 2010 the Defendants submitted a Loanliner Application and Security Agreement to the Plaintiff, which a Motor Vehicle Loan was issued to Defendants for a 2000 Ford Ranger. A copy of said Application and Agreement is hereto attached marked Exhibit "D" and made a part hereof. 14. Subsequently thereafter, on or about, October 15, 2010, Defendant, James B. Adams, Sr. signed a Notice to Cosign and a Guaranty Agreement to induce Plaintiff to lend money or give credit to Defendant, James B. Adams, Jr., in the amount of Seven Thousand Dollars and Zero Cents ($7,000.00). A copy of said Notice to Cosign and Guaranty Agreement is attached hereto, marked Exhibit "E" and made a part hereof. F: \USER \Z MASTER CMP FILES \L \LOCAL 520 UA \38878 AKR.wpd 5 15. Defendants have defaulted under the terms of the Agreement by failing to make monthly payments when due and owing. 16. The balance due and owing by Defendant(s) to Plaintiff is the sum of Five Thousand One Hundred Forty One Dollars and Three Cents ($5,141.03), as appears by Plaintiff's Statement of Account hereto attached, marked as Exhibit "F" and made a part hereof. 17. Due to the default of Defendant(s), and pursuant to the terms and conditions of the Loan Liner Application and Credit Agreement and /or Personal Guaranty executed by Defendants hereto attached as Exhibits "D ", attorney's fees in the total amount of One Thousand Twenty Eight Dollars and Twenty One Cents ($1,028.21) have been added to said account. 18. Plaintiffs Invoices are not attached to this pleading due to the voluminous nature of same and have previously been provided to Defendant(s). 19. Plaintiff frequently demanded payment from Defendant(s) of said amount due and owing as aforesaid, but Defendant(s) refused and neglected and still refuse(s) and neglect(s) to pay said amount or any part thereof. WHEREFORE, Plaintiff brings this suit to recover from Defendant (s): A. Count I - the sum of THREE THOUSAND SIXTEEN DOLLARS AND THREE CENTS ($3,016.03), together with interest at the rate of 8.9% from December 1, 2012; B. Count II - the sum of SIX THOUSAND ONE HUNDRED SIXTY NINE DOLLARS AND TWENTY FOUR CENTS ($6,169.24), together with interest at the rate of 3.99% from December 1, 2012.; For a total balance due and owing to Plaintiff by Defendant(s) in the amount of NINE THOUSAND ONE HUNDRED EIGHTY FIVE DOLLARS AND TWENTY SEVEN CENTS ($9,185.27). Respectfully submitted, KODAK LAW OFFICES, P.C. Af9eVIL. Troutman, Esquire ID #53984 Robert D. Kodak, Esquire ID# 18041 407 North Front Street Post Office Box #11848 Harrisburg, PA 17108 -1848 (717) 238 -7159 Attorney for Plaintiff F! \USER \Z MASTER CMP FILES \L \LOCAL 520 UA \38878 AKR.wpd 7 12/03/2012 13:22 71.7542e4,;7 HAGS 04/11 P.O. Box 6187 'st(w"n Road AL CRECI'r UNION lrianrisbijre�, PA I'll 12 lImple HipipingPE-ople. P'k.f WM Ci (888) 520-6228 open-End Plan Signatures 786RACINIVER 1 NAME (Plop P I ACCc)UNT NUMBER BORROWER 2 NAIVE I? 'E, Fli This L ":R'° AC(;OLINT Nk)04F� -7-R11 CreditAgr9sme it. w I hir,), includes the Tr AiftL;;;;;" 0ANLINF uI1 In Leodiml nisclvv�,,res, 2. �RFOIT LIMIT — Vila may, but do not ha ve to. establish a credit limit on certain I- be r0er ,a(f to as "Ifie Plin.` The P m lin (ionuerits include this anmpmamt and an 500000LIntS. If 2 �,redil limit Is set fora suhhocount, you promise not to exceed the . 'Ao arldurri. '))clur" anti "borroluar' msm*i any aprson who sltjnt. the Plan. established credl limit. 11 you exceed the credit limit, you promise to repay "Credit 011011". " vie ". 'our' artJ "us" mean 1h.e Credit Unlon viiose came appears on imm,-dig I . I Illa ;IrI wh'c-.h rmceeds the credit limit. 1 ; 1 1 1 lon or a,Iyone ".) vihrim the II Union lI Its right:; vric.ai I Plan. 3• REPAYMENT— l ecu promise I.o ropey all amounts you owe under the Plan plus 1. HOW THIS PLAW MORS — This is all nipan IT1Ld1i­',ea jjr0 crodit: plan. interest. Payments are cluo on the 101 day of the month unless we set a different day We anliti ' pale thal, from [III I time, you wili borrow money Icalipirl "advances") at the line al an advance. If the Addendum has no payment schedule for a under the Plan. We are iM required to Maka nftafte$ to VOU render Ilia NZIl and sttbecropnt, \'CLIF payment Mil be determined at the time of each advance. Payments can reloia i rettof-sl for all advance at any Barre. Ths Addendori descrlbeF, the must jnclw. ally amount past clue and any amount, by which you have exceeded any ypes at availah under the Plan, Ine oirrent crad't limit you have been g for F subaccount, You may repay all or part of what irI rate for each sijbjcc- expressed as a uiliy perloft I and Y011 owl' al I ary fil'Al" wilhotst finy prepayment penalty. Even If you prepay, you well still 0c1rYeSP0ndI(lg fillnuili r)e(0Pf=,qe rate, ;no other chirow.. !I I ahwn hliva other terms and 11 Vlnuv., tor determining the payment ztmowl!z, (conflnued on reverse side) 1. You have received and mad the LOANLINM"' Credit Agreement, inn the owe under the LOANLINER" Cre-11t Agreement, When you are In default, you demdum (" Agreement"' and Bo ,opy of llic. LOAN! NIF.F1 Credft au!NrI lm to apply the balance in these accounts to any amounts due. preemeril and Voluntary �eyrnerll P By r1I Mow you rat roc to be Sharma; and defiI In an Individual Retirement Account, and any other imund by the terms of Via Agreement. accallol that waule lose spscial tax treatment under stale at federal law if 2. Ycjtj ytvnt us a sectivIty Inlerer. 41 all ItrdII ani joint ghAre 2nd)ac arts pitt stlitijecil to iha security Interest you have given In your deposit accounts yaa have vial us now anif In the 1 to sacum m1hol you fihavqs alld depetits. . ......... . * ..... ...... ...... . . . . . . . . . .... . ... ........... . . . ............ I (SEA .. . ........ .......... !X CrAt. L I 1__ . . . . . . . . . . . ..... EI :41 A r a SOPROWER e SIGNATLInE DATE CUNA Mutual Insurance Socloy -, Madison, WI 5371•-0391 - Phone: 800/937 "You of . 'Your" means tree member and tho loam i nsured (it applioible, these charges the carne as It accrues on amounts of advances which are added to Credit insuranc! Is voluntary anti. not required In ardarto chlatr your Intro. You may your Lo2n ffilla salacc any III of your choice. You have established on oper)• end Loan Plan tvkh 00 NOT SIGN THIS APPLICATION IF IT CONTAINS ANY BLANK SPACES. This the Crp Lin' Your Lw.n Plan may consist of one or more Loans. You AM applying Opollcatiou Is void and will not be used in a contest it all blank spaces have not to the SOCIV.1 tot CrMit insurance. You authorize Ine cliatges for Insurance to be been romplelind, It the ineraber has not signed and dated the Application, and it adesoil to your Umn Bamace each month arid widerstallo that inleiesl. wi accrus an the Application leas not been witnessed. NOTE' The insurance pu're apply fur Contains ce terms aird Exclusions; Refer to your certificate for coverage details. IN"120 %!•M8ZA 4 I MalkCER'S DAtr OF VRT1q ACCOUNT 14 IM r? DATE Or IS5UP OP THIS CERTIFICATE (I ..DINT INSIJRE OINT ) MOZCA CH INSO-01S 11,%TF 0! 511 POLICY NU : A OW MEIER SECONDARY BENEFICIARY In ymi arim io mmt (inn) ---THE FOLLCAIJING STATFIVIENTS Mikl!'E 8 YOU ARE RII SEMM E- F MNS AND AR TAU TO T14E t) E51' OF YOUR KNOWLEDGE AND BELIEF: CREDIT LIFE INSURIANGE CREDIT DiSAB(LITY INSURANCE -- 9 Y-10 COVEUaE SELECTED E9 7 140 140 COVEIRAOSE SELECTED PREMIUM SCHEDULE COST PER 1, i!)L) S1NGL4-'CP LIFE OF YOUR MONTHLY S•07 SINGLE CREDIT 011SAITIlLrry SEr Sr.PARATE RATE SCHEDULE ,( ;- CREDIT Ur-p Or YOU9 VIONT'HLY NTHI% I)AIII ARE YOU PHYSICALLY WORKING FOR A . OR WA171ES A MWIMUNI OF 25 HOURS A WEEK? LOAN BALANCE AREYOU MAXIMIJIM AGE M11), 0141M AGIE ✓ UNDER AGE FOR INSURANCE E FC —, 65* IfWSUAABTL`�_b_AZXNC_E CRECIT L17C ONU ,W,,AI In'. The MAXIM 61 TOTAL - UNDER LIFE AND DISABILITY, 7�-IE 4 PSA LOAN ACCOUNT makv,4UM INxoai;.rry AGE ran C.6vCAAQt' SENEFIT MAXIMUM ELIGIBILITY AGe FOR COVERAGE D[10 Is V5. WrDl K MnxlMlutl �r 11�1, X-1 600. 0 [A 0 1 HIN 3, W11O MAXIMUMTEAMINMON ALAS. "ftt Id SIGNNrURF 0 'OINT N'SUSED i4rzMlI OKI . 0 X If you orts tatelly disabled for more thar, 30 days, then the d'sabViry hanefit will lx5,jin vilill the 1st day of d i sability. OA7E F-2-- VGNArum or Bvc�mI $ l n ., ?qATURE Or mF-MAE-q DATE (nP Vurb 10 emck amr. 01 Ihn tomea above') cj�. (14 bt, tq 0,: (11 ti, A,,L VNW� 4( FLIXIDL� AGAUNTENT SYSIE-A ,00 OEM' CREED11 I.ffi EX IT Bxxnz- 12/03/2012 13:03 717541e437 PAGE - 05/11 -- - --------- iconflnuedl .... ... . ........ . ...... ---- be required to Make the regularly sr:4.dulnd pailij",14ntS 006-n- we HfIree In wrltlriq to Z Lerrils of the Plait At a Ivor lirne. if the low makes any term(s) of the Plan unflniarreahle, flia In the plyinerif aChfld:llfi. if ynu 0ve, a 1 1 0111 Sham d: a Vill' will IM thil other lerm-cs will remain in effect. resPonsiblo for p8ying al! olfe!Arafl adviincas oilgalnitl by j))oInI III: of fire share Graft .14 T he rellowtop 1 (.(.31131 I.IrIvm-s rtcluireti by la parraprarh applies Ito borrowers in idaliflo, Kansas, is. pVnlPI1I' w0 hf applied to viloulits nifitatj i�itriv and slots ciram"me itself Lifflons oneil'T 00 -Tolf1h Carolina borrowers: You will lf?F 1 ` 1 31 1 , in the manner the C-i Union (ticcist,'S. Iiii! in 00011111! yoll ji: riv. (flake a Payllierli of the anlouill reqllired when it Ili due. You will 4. M-AK ACCESS'- Yov can oh', �.redlt advances '!� aly Manner i-A101 by u,. If aim be in do if we. helieve I'lle firo3flect of paympril. or.rforinancP. or realization an mill ;Aow VOil 1 1) use Your ATM/Dabit nard In ac(,&Ss flip Plart You may Ile, iable for ii)a any property oivr,%rf 3r, iificli.irlIr is sigrillicantly impninrld. uni"Ill' use 01 VIIJI` /Cs'IQFJOIA, rare. Youw4i rim Ile NjbIt% ipr use trial. 77ple frillotrifig" pav�qrllpdr applies 0 . nil)f 11) ItOrmitilf!" 1 0 IMISIT0111-017: You will he in detach OC!"A.1"S Altitr you no; !'Iy ui orally ix In wrizinp. of Ito lusn. th!��ft, or posslb!t ax.utimrimm it ,you (111 lei I lifynviol whon doe two lirmn !luring any 1 2 1 1161111) Period, You will if YON bifl%fll your Id'hl il�ubil ceti hats b�lpn inst or ilt I! I der "red!t !Jrlion by owlin oull R brP&,(I vi amit , promise inade under-the Plan materially inipAim your ability 0 or wrifing up al li lelarliorie ritirnbar Ili addre that appimrs to repay what . you omic' dtfinult it breaking any promise made Under a ciscwhere it, t!Ir. Plift%, if Ili,) rp-rd Is um-d to obiairi vn. from . You I wil! 013n he in .3PCVrItIi Agrovifni macie lit cut with an advance, materially impairs [he condition, 14 , lart, Your flaHlIty will not exrnnd $50. If the oiRIji withdrawn; is from ( i Sfiare VI Or of or ow yon! r'! pr op e rty yoti gave as sec urity. ty. drift[ acr.nuntyour iiaii!MI, KI ooverrwd by the lat ur E iliqcIrBurits v received at pi ll� P'lly propc fire little YOU f y3 eceiVed y0 oi � lil rr%miln'; in art advarinc The falfowft; p8n, pr,7ph opplies unit, to borrowers in lowg. You wlll be in default if you hying made from i1f)IIr a!ii mote thAll 10 d Myl; Ili -makloo ,'fifiyillenl. You will also be In default it you do not f'ofulki %II111h the lvloi-3 61 the Plan and your failure Ili Comply materially Impairs any 5. FWANCE CHQQ foe 6C.1a Allit'lolt you ply for trolley bol'i'mod Iti wa(telj ;I propci you ;lave; 3f; aticority or your ability to redly what Voii 0vvP under the Plan. 111"PInD 'Cilwoe" and hopirt-4 01) Ill,! LI.-ite Of each altirivrx.', A finelf cijarqji mild !:!E ccipipulad t'sparat0v 1,�t each slv�arale baiancr under -2 he Pktm. lb corripi.ite JhL� firlan charm:, 1110 The follkyllop P.9mimpA ftPPflP.q to bormwers ;n Plif ofifferstates and federally clifattomd unpaid bnlanCC Or r1V1 day slice your Imt oqn)[,n� 01'sill;'xi tin lIdvaiv;e 1 1 Ytjii !live not rTIO&I 11"fictils fluldong h) Sofffif Caro hoirtlivers: You will he in defauh If you do not yril made it payment) is ma!thliflif by the arei!imb!a dilloy periodic 'rh�. Sum of ilipsC fillife ii r)Fyvieril of the amount required vlipli It is due. You will be in default if you break i"... li`lr, finartca charoe owq. '!lie Nllary used I.D v 3rAtfulf! Me lInE Ice i;liarve 1, the I any prniniqn ji(iri finder the Plait or If anyone Is In default under ally security UnPilifl) It' glance each Alier payments and credits to rlim (rave bean - 1grPel Pew made in connection -wilh an Advance under 1ho Plan, YnIj will he in default if you and any 3 to silo lialaw-e hiive, beffil made. in i(ldificr to intorarg, 'me may G i l , rge din, flip for binkrupuny, I)N insolvent, if you make any talse or misIrafto statements a olhor firi,;rlf-e oh;irpo:5 itithIch are d1w.losed cal IN Adlenown. if tilt; ir;tel r ata fn `a its Any CrI.111tapplic or update of credit Infomiallion. or If something happens we believe val's Ifilvetil rain, (he A0(in-clum exo1alm how itie va, IR13ju imarl work's, may subsiantir,liV mduce your ability to rp.pxV what you OwIll. You milli also be in default 1, SECURITY - ire pIrl. at� qfrAirlly ftir rho. R!3n 0 snailis anci erica, it ;sly, und,--r flit Fllj��) If yin; jrr,- In default utwer any older loon Agreement with its, iIll deposits wid intirost, in 241 jr)(I)l lint) jejd-\;tdpA( ;jccoijfjj^ \ 11PI)e th"Ith o!., ;iow ant) in ACTVIS 0TER 0EFAULT - The 10110A pomprojill applies lei honorer in Itte, filpire" 1 a S. 80111C. dollar amount it, pledged lx it.ri adv we. will treegF slipres in "allfradiff. .9rsirl6 at Columbilf, Iowa, kmnsas. Marine, MassalrbaselLq, Missouri, that 'Mccilvi. to the (weed of ll)e ctitStandinp bala'IGO for the giving you advance notice. Plan without advance. Otherwise, your Wisitoriftin arid.-mite r trell:11I colons jentiong to Sonth pledged sharris may Ile I UnI Ca yet Itnit'awom. Whon %/,ill Are If! defaultArita after expiration at ally dght YOU have yet are if dol'ault irj Fddition !o yom p�tfdqfe at shares. wp, mav jj%(� ha. what is - it( , Airi, (filderap p licilbill Stalf lirw lo Cu re your d0fatilt. we ran demand immediate paypayment of Via W; 01111 1 r, k , wn ps a �ii ary lii�n i:in ilil individual andwnj YOU I'M- Will! tm. Asta!tllnr Antire unpaid haInnce, ur-Ifir IhC without y!init me.ins %ric havp N)p rigai iind(v f9deral lil.I�ano many statf laws rU cial'Ill ;3!l !nIenn-31 III your amOtIlits. Wt Mill elilorc a mitiaory lir,'n Thft 10110wiflo paragraph tirlyfies to borrowers in all other stares and In federally IMaINtl Your ShUT0, and dividends, and P env, internist ilrid diipoa;�t. in ati indivia(Iii aila rhillerea ruitill traftins h9o7dirof to &o(rill Ci joins imounn i%ji it. 1 7 . rottrip boirroWOM. W111111 YOU err. in rlpfaull. We will) us to s atisfy ary ollistaft'liIV fil!Wiolal obfigalitin ,h;)i ::.c dui, we r:. require tlwnpfjI;)jF! ptynient 'acr-pleratlari) of the entire unpaid balance under the ails pakraljla to us. we mill/ ox(i•cisp l)(ir filghl eninrcr. thil; 1, ;) a i0holll: fwVle: ontlem Lo P1,11. You watvI! riv tit I have 16 dernand for payninnt, notice of intent to acCCIPrqle y1lu, 1 6 b i Or A 0 thr, vxlanl non"111rio y lavi. For 0f 1)zrrcrl% Thp malurtirl, licit fin0or 1 riludqe Will 11 a " I'S 10 fIllift 1141 Milos Ili Y311V 4CCOUnt(S) to 1111111,11i YOU Ditiol II yrill to i'm In ditiall, t n Tl 1`1111, parritimph zppfles to all borrowers. If jrTirfle(firlir, Payniefil is demanded, The In jiny ift'liv You w'l! cemli-llw It: pay lrlforo�l until wliAl yi:m come IM bean repaid, at flit allplir Retirement Acrolitil I ablp. o r j)Ij)f?f dr.(.cur:( 1:N)i V, l(l!:;. qpv;i;�l lax wev iindfill "rao inter.ml a tg i n, t) p -1 1)% if i j ppl ca bi e , , a t f d (it fK101 1,11N If 011.1tri l; jault rate Illsolosed on [fie Addendum, If a Additional spc.ijri . ry 10 1 (fie �nrxrtiv. ir"Ill'Wililt! I)dyrnant lias been made, your shares andloi deposits can be . rjlzi!., may to required ai the thw of an 1[ i f aPDIIPd I-Oy4irds whal yntj - ;vjP as provided In the Sliction above Dallod "Samlitly". We call idel a III Of llr(!Pmty (such its 'New r.arS") v:. ITtils, give tilAl tyl)f fA firopornt at 1151) M"Clse any otllw rights. given by Ines when ltmi art in default, Ind any rights vie have: seciiiii, ' i When y0t gel] All advance under that sub'accouni. A subacz mime Rjjc! I I IS urirler any ScIctifily Aql(;en)rnte. YOU 1101le Will) US. Sttured milan.; yeti mus! provide ger;i;dly XX advance undfir inal It If) !Is When YOU obtain lit IIII. CANCELLIN13; On CPANGING THE PLAN - The following paragraph xpflfles only aurL)Ilfft Properly you 6ve ns sar,:j:•ItvI will sncum 111 amounts In S181a 014171ferVir arpdP tinlans lRr;dtkq to 1111 nuls 110 frOl-vels, WO have the right to omid under thu Sian and ali other YCji h;)vj, wily 1i$ now or Ili the fulurp, f!xcepi. any c4rige i1)^ lernis of iijA Tian fr�jrn tifile to lime after p loilil Secured by your prillolpa d'Wriiing. ' (�ropvrly sE.r urIng o l nllier ioar. yi;qj ( you any tM111) Q it:; requ by :- � nij r;hlingif It, p interest 1, advance notice may ISO secure tile P::,1n, 11 or ollIql* 1 will apply I0 future 7. PROPE n' INSURANXF - You %Rqll j. re.jiti)md It! r!tirt.�.h3if?. nn The talialt(PIP porapr3ph applies nosy in heirmKiprs in Wi.ecrip.11n lhf (f'rMir l9e$ of sacuriN thji vou (live for arlI y can 0ianfie thn. I) el purchase the Droper term:; of the "lan from lirlim to time in accordance with or wilir canc Section 422.415 of Ibe WISC I hIt'urillIce from auiyooie you Hi6osc thn.1 is ;irceptabia to tha Cr�!0 1,10tryl, oils fl 'foil w ilt be not1rhd of any charrige in terms. An increasp. In the daily Periodic rate S. VOLUNTARY PAYMENT PRDTIECTIZIN -- �vtz, MAY Ofler Voluntarite PaVmIlrII Undilf I virl.)0 r I"- not ConsIderad 1 change in terms under the Platt. We can Prolectillit to you. %lutilril"I" PAVII I'I'DIV100,71 iS Pot litfc: 5S rV jr ot�lp I f �p a i f 'If -) PUN 0.- VOuniiry ItlyiT, ' ' dir, L, tif thr. r Plait my Dq;1 of fife Plan at any [line. You may cancel the Plan at any cill fr!:tm u yon alllh*f4e US 11) ;ldd the fpn7 or 1 4110 by olving, us prior WIsronsi irtsurinrr writlon Your oblipition to pay tile. unpaid balances under rhitfq(, monihly Is your loan balance i chwQc you irrj0reSj ( lit entir (lip tnrfrj�, �)f lbri plal- c.r-rltill' C I re, '110 111co, rot our uplinn w v tlit, yocj jayrrlsli Or t p ucs W 11110 ef You of I - credit union cancel file Plan, limrf, jo �Ijc loan The rat of l0iff I limited by ' Section 11.22.4155 of flit l Stlt - lisnd ti, f"Fol It - j; Charve!', n i pi I lia, cxleill that � li;l)lfl I S limited i drip, mi (lift fe.f., ;)I I filvnIlc Fhn f0ew1rilp mraoraol► apptiv.-; only Ic bormwary In lawa: We im challrip the lorms in dl(• future. It thp lf1tA c6r:pes, %Ale vdil provide any norices required by'appflrjqblu iaw. of Ilse I'llar front rime to tune alter 10 al ;4 most recent rain giving e notir-c ri - jw, A 9. PERVIDIC STATFMhNT - ()n I jj%�,jF Vol' Will WRiv�l A increases, flip, .1 you any advanc quirid by, 1, all frilnsac*,ir)nB under -,r :`40 during the - -, 0d CNer0d �y li fe siattimrml. Sraf(trrifltil,�, -moon! I )! ii�jjjr Of filleflCe Charge or other chard(, trial increases the jaid you . I � port i payrieriti. or !flat wharwisp adversely lltf( exiqflng balance, will apply 1 hn rillrii td recent 11 (fdri:5s Yo. havo (tiven us ill In Pxi$r�nlj beiiiiirms o vo Unless applic,;ihie yew l lt �.gret,, tile CNIVI? of you use Itic Plan after rereivino requints noti 19 oacli jnIrIT bliffOW1. Ij,)rjCu Lo ally I y norlr.c hi, yo 111 u c I) I I' be I'lotfue 10 all. )rip n. Oil VA I V! PlAll meafis you agree the change applies I0 existing TqP foltnitelinj in. JOINT ACCOUItITS - 11 ji h: j j 1, (if Y,) ,, is it., . lian, fli RAPIlex f47 boffDwers /D a l l fither status and Iptiferpilly for p'li"Illt, �ill ;ln , "I , di0jI.l:)f1y and oWly vilzrIfired rrPrIft imian,; fending to fiffildis bnrrry We have tile I'laill to rhanari the . . iotlrll� OWAII Thal mqaIlq Wf 01 SS`ffljrc thl! "Crifils 'if ?lie ( from 'Imp. to time alter alvIng you any advance notice required by law. a11,11-qtil any erne of ya .11 individually or n�,,Iirisl 211 Or V 011 I`QgMI) 1 ymi give: I, Ally oll in ��h;l Inlei 'Ble will Ipp(y'io lutorn ;)dv;inq.q, And at our di action And iric i C,Irl re to follow your irrkticliomi, i.higs.s Mirwrilitin subiect to any mcf .'If Aoplicable law, will also aPPIY Irj llnpail balanctir, ImAlcy feqllirr.q all of vwi to slfiil f?"I• grt Of y0v authorize:; file olharf�) I'll wivanoez inciiiII61fly ir tl!o 1111101'(s). Any Will and agrees to re lid)(0 xz mu& to I) the daily may terminate It'll ?Ian lay olviril I vvtl( +ojj r1ofic!'j. If any (),Cyoi undpr flip. e T1. the 1 the Plan i5 IP,01ilraled flr' ali YDII rCrllahl filu)je ITI(160jd' Cancel the jointly fur all 1dvjnCe-,. lj*,( I.IN oally arld I . be l ore 1 ,pnijin;FIV11n, balances thV RM 11. FEES AND CHARGES - it you give iu, 'A sact. 1:ilorast In cerialr lyp o f p f - LIppri e Plait. ,Aa y, vop niav Y. fqc. you 14 Illing Inc it, porifirl o�fr irgtprif�f Ili (ht properly. IfWf! It), 1(19 ft .............. ER Of tile tea w it! tip di if Volt 31 tile Unlit 1I obfal;ll art, -36va: uf�also Chill (to THAT YOU ARE FOL)ALLY I I . I l IV!I I/00 (!ruler lets ill r,(ll1rle , We nmy Addandilm, ant.! illi; Ito , mirrenj fors ;Ire lit.%fosed oil INP LIABLE FOR REPAYMENT OF T41S LOAN. IF THE BORROWER DOES 0ded % Vow Ivan imlanie- unipp-, yf pa f! in r 4[-D!T INFOAMtlTION -- y ororljj�,p 1` PAY, THE WIDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. 12. UPDATING Cr . ,,It you lvllf�l 1 ` 1011 (ic if V011 rl)DVP, charitj yoUr jj�r- will arompily (!lve U5 '18. . Na'r1CIE 70 UTAH 90ANIOWERS -- This tivrIllen aprP.01TIellt it� j final p ' 01, LIP It Vil 0915r inlor' ress on I you prcvIdnel I,) us hems , 1 0 , II I)CI) Vol mailan Mr. 1jimonwril I. YOU R"Id the Grrdil Union. This writ"IN) algrecrifienj may no b Ilifn - . jrt, ; j . I fin,'N'0 -I'Te to .6roiddc jjr�, ilpd, -cl, j( -,P. fly evida fl(.� I anit oral aprop meril. 13. WAIVER - W c jr n -111 0rcirIC my lit oi)r tr9lils 11, USE DF ACrIDUOT You promise it) 0!:(� yi)ur Aecouril for rorisumor (p erson al . q;)ivv %1( ill'jUdirl� timer ohIk;viw to main lln I hoxmhrjl'�Ii pijfloo! jt�,SS Ilt liflio gives You mjrjrjf�n permission to Map mil IV;) 1N use !I)(. iic�olrll -If! for @! Pr cofllfro1 Duprises. i to a 10mc i'llor. I ivilhGui u, thil cre ij3/:1- 13 Uj i1 /041 LOCAL 520 U.A. FSDERAL CREDiT UN)UN tr Q* P,O. Bax 6187 Hare burg, PA 17)12-0187 Phone 1(717) 64E-9329. Fax; (717)541-0437 01'ol! Free: 1-588-520-622e Notice to Cosign I 'lou Eire being asked to gu^.ranta HO.q Jetit. Think carefully before you do. If th 'a borrower doesn't pFy The debt, you wil have to. , !!I-fre ycu can 0od to pay if you IlEive tn, ar)(1 Inv vouw-lnt ko'socapt. 0)!s 1you M y t)ave to rgel tip to The full ;�)-IOLInt 06 he debt 'If the borrower dar-s not pay. You may 31so have TO Pay late f9PS or collect costr,, which -ricr.q The c!editor ;:c*,ri collet:t rhls debt frray you witht)ot first trying to colloic( fam rhfi *iorrowsr. The creditor Can use the same collect methods against you that car, be sed so ainr-,i ihet bwrowor, Guch as suing you, parriishinq your wages, etc If this debt is ever in defaL That tact rnny become pcut: of titrjur credit record. 'Yhis notico is nol the contract that fimps y•i IiAbica or the debt. Guaranty Agreeme BASIC GUZP7AW7'Y =To induce (die "Credit Union") 'to lend money or g .Y.D M-'�L-,CZE C to JAK-'ES B XDAY-I.' �TR tthe "Borrmver"I, 40 (AccounT, NLImbf you (the rarairfs i0ifitiv And C-Ovaraliy it 1mrre than one, guaranv)et proji-ipt and full payment. when due., the following de including princir)pj aIj. jj)tereS, 5, 000 .00 LINT", OF WtiErJ YOU MUST' PAY - If The Borrower TaIII; 'o P; Ilia debt when due, you promise to pay the debt to the Credit Union upon demai Thro Credit Unism can demand that, you pay the dabT even if h does not try ;,o cnilect. from the Borrower and without enforcing z lsecurity ifsterents thi. Borrower has given the Credir. Union. SECURITY -- You pledge Of 6hares and/or deposhr, in tiny of your join? arrA indivIduai accounts at the Credit Union as security for y( momise, The Credit Union heir; this right V3 apply Your shares avid/or deposits - 2owartis what you owe if you are in default under t Agreement. Shares andlar •eposits in an Individual Flutifament Account zod any other arcouni that would lose, special tax troatmi under state or federal lFjw if giveri Pis SeCtJrRY -1re P01 Subject to the rmrurlty InIshr"t Voo have given in your shares and deposits. MO NOTICE REGUMED — This guaranty rem . A ns In effect evrjc) ^hough you ere not given notice of the following: (11 If The aorrowr faRz. to pay any anioUnt do-q- (2) Of any ictiori 'taken by the Credit Union with re tpcel to properly given by the Borrower as security for the. debt.. (3) Of any flew debta with the Ct�. Union Incurrod by tlw% 8orrc)w • (4) Of any renewal, extension or substitution of any (yr the Sorrovv(ir'e i debts. (5) Of The acceptance by ;he Cre; Union of th s ..Juaranv/. PAYMENTS — The Credit Union hEs the riql-tt ra j•?rjrtly r„aVmafjts !)y t.he Sarrow!ar EC, any Of the Borrower's debts in any order the Crc Union g;l():a *C_ YOU MAY FIE SUr—D Y( r?iay be sued for payrnent o{ - chs debt if the l3orr iz in oefajjlt and you do not I pay the amount you hi quarAnleed. j , O THER GUARANTORS -• 11 more than one Gjarantar siqnr, this Agreement, the Credit Union c:in release or settle with any of - Gk at any time without aflecy;ng the iiabilky of the oth6%r, I 1NO WAkh"IFR OF MIGHT$ -- T!ie Credit Uniun can delay ioni'orcing Aiiy of Its rights under thls,Agreemioni without losing them. WHO, lS BOUND -- Each person who rji b0low j;; bot,ind joinIfy and •evefa!ly. 'The Credit Union can enforce this Agreement agaii your heirs eod ic-gal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . SMNATURES NAME 77 A;.1 975 (SFAL) I GUMRANTOP wps 0 A rJAME JAMPAWEB ADAMS SR ...... .... 0A (:18 I,4I. 1`: 1t.1, n 31 ltfi --n A.;.,.il:l.%.tlT'.�'. EXHIBIT GXxl III 11.,15F.Ri 2; 12/03/2012 1303 7175411143 PAGE 11/11 CREDIT U1410H wwll U LF 0 S20 U.A A Haffisbvq, PA; 17112.0197 Ron. (717) 545 -932.4 -!yak. Ct 7) 9 , 41 - 043 ©7011 Fle0,1.5✓;;20.52�% open -End Vouch= TE AMOUNT REOUE51fD Q 7 - 2 9 ' Q 4 ADAM.'; J JMES B - - 1I;l.ErMOMENUhIRER" grr- IA:- ;tfCURIT'yMUMttER ^ PURRO56: Oth bills 36 DOGWOOD L•N . _ _�,( "Z s� ��0- �`_�r .� I �_ _ _.- .__... - - -_• �r'r•i:JIJh.IT tTIT�li[ilt - --" DE -OSIT CHfiC1( uv ACCOUNT Nummri3OTMER. F.CipRF.l sf ..R 2 h }AA4 F' _ ..��. — ...---- ,• - - -,�. �..,.,.-- .....� y A1. !Su�,�sr17Y 1JUM16R1:.n iC1•IEOIC f.nvAC•ILK TO: _ "LEi /!LOCK R,0AD M; ?;CHAIti T (' ; CGi a .t 7 L; 5 6 RLrnvME METHOD: CAS Id F ... N ,.., j_-_..�..,..._._..__._... _•- __....... - -.. I,_E. AYm Gf.`Y I.,.,. M $ - .�.....- _ —.. .� NEV/ HALAkCE THI�iULt C• ,N' 0 RATE ., C:1' }t�.A cFt=fi 14��a ` nn;l L'es(;Imriunl A COUP ^I(::In.rE A4 Y:iiLI L F`�RC:W r1G ftA�'L" 900 i` REt?IT REM AININ G LIMIT I w AM1(IUt�Y aC %'ANI;(•b PAY \.7QAl'• A6,101Jhlr ..- .. UAT E�GUB -� PA` /MEN? LR6CiUEP11:V LINE (IF C. LIMIT !!! r 08••'ln -OJ 11�N,1'R1,Y , 5, 000.00 . 242-33 �' S oco , 0C a 11. t1 . ?R(G)JRCTEV LOAN TERM FOR JOUATOMS Dv ,Fynlnp ttirtcw, by , rety Vicj the pn,,e,*d.T carnal( tit by unIfto thf, merrount rdwa e d and 6np�sPtad InSa your share/11111M draft neenunt you Aptre to make Oryt}trnts ht rliscisso(t ufir)r,n in ACCor(IBRr,(f WICK fl tervn:; nt voa. LOANUNEA n1An. ��� DA ,RRow!:0.•1 c Gnrt: a nflnnwFR x Wl N.A1UR: flEr,)ltF:::TEL -• hAF.:mt;6R.^r.rE. _.- -..... CHECK NUVRER; BRANCH NlIMAER: I`Rllh61UM cGH, _ PLANIS NO.: - f`ROCESSVD OY. _ )a1L N a� -r r. fR4vL•f,L 5itd'. •� i.,g J ::M. - Cn'HtiR � pTH -N DESTRA ! T /;CO i.. : -h r• AP I ^LL t'�C I l usI'i; 1 4.- • P DENIED J•--- -��,•- I l3EfORE Af'1 LOAN D''FI(�i IC S: Nil nATF 86. C,?. -3;. AI.1 r,; .f•.YF:R:nFlivliL' VRx000 ILA.°iERI X4/02/20 =3 15:25 71754104 MS52B2.R LOCAL 520 FEDERAL CREDIT UNION PAGE 2 QTJSEIZ MEMBER ?. ACCOTnIT al STORY 4/02/13 13:4 0 : 3 6 11/30/:10 CL INSURANCE 2^403 2.42 2.42 3460.55 '2 /o1 /10 FI2 40NO001 23826 120.00- 37.09 82.91 3377.64 12/30/10 CL 111STJR&NCE 20638 :2.36 2.36 3380.00 1/17/11 C�iT: # 1254 37020 120.03- 18.71 81.29 3298.71 1/3O/ 1 - 1 (V im II\TS,UWkN'2E 20878 2. 3:1 2.31 3301.02 2/28/:.7. CL INSURANCE ?11.06 2.31 2.31 3303.33 3/16/11 CH:K -� 1259 40710 48.54- 46. 6Si 1.95 3301.38 3/31/11 CL INSURPSCE 21362 2,31 2.31 330.3.69 4/08/11 C,-JK # 1258 - .2512 7.19.74- 15.51 101. 23 3202.46 4/18/11 REV.CK 1263 1\TSF 4305 17.7 ;.74 18.51 101.23 3303.69 4/1.8/11 RTN ITEM FEU 43052 25.00 25.00 3328.69 4/26/11. 'TRF. FROM SHkRF. 43491 23 °.24 33.06 206.18 3122.51 4/30/11 C L INSUFA 14C.E 21603 ;2119 2.19 3124.70 5/31/11 C"L INSUITi .C.4, 21847 ^21,19 2.19 3126.89 5/31/11 C-tlK # 3455 4, 119.74- 26.67 93.07 3033.82 6/30/11 CL INSURANCE 22103 2.12 .2.12 3035.94 7 /31./1.;, CL INaURkNCP- 22344 2.13 2.13 3038.07 8/11/11 ck 3565 48874 359.22- 53. 29 305.93 2732.14 8/11/1.1 FR 4NOW1 48875 11S^.?4 - 119.74 261 8/31/11 CL iNSURANCE 2258 7 1-83 :L.83 2614.23 9/30/11 CL INSURANCE 22828 i.83 1.83 2616.06 10/30,/11 CL INSURkNICE 23070 1.83 1.83 2617.89 11/18/11 C K 413594 52290 77.9,'74- 63,13 56..61 2561.2S 11/10/11 CL INStM%NCE 23' -•35 1.79 1.79 2563.07 12/23/:.'± TT?F_ FROM SH -ARFS 53543 198.04- 2]...86 176.18 2386.89 12/28/11 CHIC 4 3614 53655 41.44- 2,91 38.53 2348.36 12/30/11 CL 23594 1.64 1.64 2350.00 1;'31/12 CL INSURANCE 23845 1.65 1.65 2351.65 2/'29/12 CL I NSUP -ANCRa 24088 1.. 65 1.65 2353.30 3/30/12 CL INSUR_kNCE 21355 1.65 1.65 2354.95 A/30/12 CL INSURP.NC1 24618 1.55 1.65 2356.60 5/31/1,2 uRr+ 1 Y, SU R AIN CE 24873 1. G5 1.65 2358.25 6/26/1.2 trf. from shares 59688 30.78- 30.78 2358.25 6/30/12 CL INSLRP, 251119 1.65 X.65 2359.90 7/31/12 CL INSU-RAITCF 25367 1.65 1.65 2361.55 8/31/12 CL iN "SLTRA1dC� 25626 1.65 1.65 2363.20 9/30/12 CL INSURANCE 25877 1-65 1 .65 2364.65 10/31/12 CL INS ,ANC 24,134 1,6E 1.66 2366.51 11:/01/12 I-tt Charge Off 64043 146.85 146.85 2513.36 � J, d EXHIBIT D h4iEZ13 S�:ca �Ii'�10��3T rriu� u� C MS5252R LOCP-L 520 FEDERAL CREDIT UNION � PAGE 1 QUSER MEMBER ACCOUNT HIS11OR1' 4/02/13 13:40:36 ACCT.4 ADAMS JR., JAMES R . 315 HEMLOCK ROA TEL. -WJMBER MIECRA. ICSBURG, Ue?, "70_z5 DATES 2/25/09 TY•RU 1'1/01/12 TRANSACTION REP' T0T,kL LckN LOAN ACCOUNT DATE DESCRIPTION NUMBR T;R'JJ AMT INT A- PRIN AMT BALANCE L,107 SUFFIX 0 ,Q, LINE OF CREDIT -"� ---. BEG BAL . N/A 2/25/09 NEW LOPIq 4300 3000.00 300C.00 3000.00 2/28/09 CD I SURPNCr 15623 5,83. 5.81 3005.81 3/' 31/09 CD I St:RP211C.F. I 5 .82 5.82 3011.63 4/23/09 CK 41108. 6312 160.00- 46.50 113.50 2898.13 4/30/09 CD 1.NS'JR. �aNC.,E 16076 5.74 5.74 2903.87 5;29/09 FR diloW01 754.7 80.00- 28.34 51.66 2852.21 5/11/09 CD TNT5UR.ANCE 16294 5.73 5.73 2857.94 5/30/09 CD TNSURAi \l'CE 1.6516 5.64 5.64 2863.58 1 1/02/09 CHK # 1116 8692 80.00 -- 26.36 53.64 2809.94 7/31/09 CD INSURANCE 16757 5.63 5.63 2815.57 7/31 C.HV # 1176 9724 80.00- 22.10 57.3 2757.67 7/29/09 LOAN' ADD ON 9726 2000.00 2000.00 4757.67 8/31/09 CL INSURANCE 16986 3.33 3.33 4761.00 9/30/09 CL INSURANCE 17213 3.33 3..33 4764.33 10/27/09 TRF. FROM SHARES 12603 1156.:50- 3.24..68 31.82 4732.51 :10/30/09 CL 2.NSURNNC,E 17448 3.37, 3.31 4735. 1.1./ 25/09 T.R.F. FROM SHARES 13663 132.00- 33.48 98.52 4637.30 11/30/09 CL INSLIF.AscE. 1.'7654 3.25 3.25 4640.55 12/24/09 TRF. FROM SHARES 14724 79, 51 - 32.81 46.69 4593.86 12/30/09 CK :1.3.29 14917 22 +5.50° 6' -'7'2 219.78 4374.08 12/31/09 CL iNSUR- b-NCE 17883 3.06 3.06 4377 -14 1/31/10 CL INSURMCE 18123 3.019 3.06 4380.20 2,/26 CITK # I127 1.6980 115. 7 4 -- 61.93 57.81 4322.39 2/28/10 CL INSURANCE 18299 3.03 3.03 4325.42 3/08/1.0 CK RE- DEPOSI"PED 17340 5.00 5.00 4330.42 3/2S/10 TRF- FROM SHAk:.S 3 :1.7930 51.10- 26 . a0 22 - . 60 4307.82 3/31/10 CL INSURktFCE 18545 3,02 3.02 4310.84 3/31/10 CFA 1.136 18182 1.88.38- 5.'10 182.08 4128.76 4/08/10 REDEp07IT CK FEE 18458 5.00 5.00 4133.76 4/09/10 Cl( 1.139 RTN NSF 18507 :188.38 6.2,0 182.0 8 4315.84 4/09/ 0 R.rN ITEM FE 13507 25 .00 25 .00 4340.84 4/30/10 CL INS- UPANCE IL8779 3.04 3.04 4343.88 5/11/1.0 °CK #"1140 19985 188.38- 49. 28 139.10 4204.78 5/27/10 FR 01 211094 299.00- 16.40 282.60 3922.18 5/31/10 CL INSURP! CEZ 7 -8997 2.75 2.75 3924.93 6/18/10 CHK # 3177 22459 130.00- 2] -. E. 108.94 3815.99 6/30/10 CL IFvSTIRANCE 19722 2 .67 2.67 381.6.66 7 /1 6/10 C'7HK # 1151 24310 120.00- 26.07 93.93 3724.73 7/3.0/ CL INS`vdRJ. N +CF, 19465 2.61 2 .61 3727.34 8/1.3%10 CPK # 121 -8 26137 1,20 -00- 25.44; 94.56 3632.78 8/31/10 CL 19703 2.5-4 2.54 36.35.32 9/20/10 CYNIC # 1229 28493 120.00 33.67 86.33 3548 9/30/10 CL I NSURANCE 13SI-42 2.49 2.48 3551 - 47 7 0/ 7.8/.x.0 CH T, # 124, 31'19 -35 120.00- 24.24 9S.76 3455.71 10/31/3.0 CL INSUR.n,NCE 20175 2 ,42 2 .42 3458.13 Z/ J L_ .. 1 J. Uri I i., *Z .�. tJU .1! LOCAL 520 V.A. WE', 1 ... .......... .7 1 Muth FEt�E 4!. CRE11T UNION no 1 " ) t6V14 ?1ArI- JA4 r►1141jr0. iRf£,� :fF•:I:!1':h Open -End Voucher and Security Agree ment F�7rtRf:tMF3t I Nn ntiE Ar,CCj)W NUPBM - IWAryJNT gMLIEST® ~ DATE ADAMS JR. SAS p � ? c 7, 000.00 10106110 tY%rFt"FY, I **Data' — � h0MCTaD'1•I0N NUTATIm �••_� — �_ — -- PLIRttOK 315 gPs5MOCX AOtYP. 60 FORD RANGFR Fr t'9TiJFtC , PT. 1705 Fk�C.4T.�Wf9" +; rInMC - ACr�rJntT NUMD84 00:08IT 0HECK IN ACCOUNT NUMBERJOTHE AL YiR. 4T'Aivie�.•S ii :15 HEW40CR ROAD CHi;C:K r+AY4Fq,F `V MISCF£A.'YTCSatSRd, PA, 17x55 RI nAVUE147 MCTI•100 CASH AI Y I!N IUAL PEf< ;�Etd'i';�GL•'. f�`I'� �,,••` -_.� } _ L Pi"{i L'OiC rC1TE MAW304 OTH( ;,t , (Amount mxl DeserlBtlaig ftrIOUS SALANGE y l v 0.t7104 "x15;1 3,�9g7i, rp i L7 r rJG1V tanI,AF10ETkIS ;1/g1 J`G WT AMgJ�tr nT.rnnlC(� RA'rlkE•r AMU;N7 GATE L+J£ M WAY..1IrN FREo,lr?aCv LINE Cr LIMIT r REMAINING LIMIT La S CIO[ @q r; 7 01)6 00 1.60.66 11/06/10 tiOTrYHC,1r c 7 000. oo lf •r s u PRCSSCTED L AERX e g ,. I� Z SECU(fI7Y - OF "E F� I CLAIM Ah1Q LEENISES Ifs CHE SEE PARAGRAPH 6 FOR NOTICE 7 TV.0 A f YVAI+CEIS 3ECURM tlY YOL1.4 SWMI €, ALL SECLIRING W ic1 P-AN AnvAMCFw nuD I MNS FTF TIVFD IN THE rAsT OR IN WE fUTURE AND THE rIOL I.OMNO FT 0;V rY, � -' 4t40F�JiTYJRAq» t'GArt 10. NUM am VALUE K1• NUMBER U yORA AR1RuER l:tp0 ]Px ,7,712.00 �i s ' R,a)G! OF SIArtM AC1'•rJ.lt�- A NDrtl FLEDGE OF $:>In rlF i ArCX7uNi L !i DF i51T3 S WU41t R AN1341k DS- 1 jSrr6 s NuI «men In this agreenlaril ell references to "crarlit urdor.," "wca," "out'," or property deycr:hed in, the . "Security Offered" section above, The "us" mean the credit unlan Whale nOnle appears on this security interest you give "Includes all accessions. Accessions are atsrermont and anyone .o whom the credit union BeFigns or thinge which are ettLiah'ed to or installed in the property now or in tramR10r* thi. nelr•aomc:nt. All rofornncds to "you," "Your. and rho futures Tht soaurity intetroot * intludit Any roplacomentG for "L:U— swear^ mewl each' Pei-son who signs thie agreement, All Ow proper,y which you buy within 10 days of the advance or any rafereinceg to "the advar,cp" maar the amount in the- box labeled eytenslcns, ranevl aj or refinancings of the advance. It also "Amount Advanced" above. Ali reference to "the Pitn" m?.an the includes any money you receive from selling the property or from C - �`%omennen': under whk, h the 7dvanoe Anse obtained, Some of ;nMfmnce you have cln the property. if the value of the property the prcvlslrns of this agreamer.; apply only ;r the Gredll Union is. declines, you promise to .give us more property as security K asked stilts chartered. A credit union has a state charter if its n arnr� dons to do w, rtat lnclL!dr the words "Federtal Crodit Union" or "r ", This is a mufti-state dos me.1tt which may be used to lend It) borrowers in 2. WHAT THE SECURITY INTER COVERSICROSS all states except Loulslana and VViseonsin. COLLATERAL PPON /15!ONS -- The security interest secures the advance a ar'.y extens renewals or refinancings of the t. TMc SECURITY FOR THE PU-kN -•• ay Lagning t;sis ec..curity ndvence. It also securric any other advances you have now or agrar -mem in the signature area or under ;he %t@tsMen; referring to reonivm in the MUM under the Plan and any other amounts or this agreern>snt which is on the back of tile, check you +az:eive for (cans, including any credit card loan, you owe us for any reason the adv;asTca, you give us what is know as 2 sr,':;urity i,nteresl in Lhr, now or in the luture, 4axrept any loan secured by your principal (continued on next page) Rv sI {in,ne Sat {w +, OT r,ru)orstnC? the prw;rlyd= ,- Iptrla rr ��y urintl IM! �t,'nocnt Bt3vt and de }1,:flcd L ^.IV vnur rh.- ersnsre erari �ocnunt von• raree To mokc rnd hr. tycry!n;1 �y iris IRrrn;; DY Ii ;S ;'�untH. Afrn;�� ;nranl includin, 71:0 ;:r.:d;t LL•r;;;•+wSlr re'' T p the stets cL +tlratr ;t01 chop ?, nn vhe inr;,�mata� abnvc I,s vrr+fyu,p Isr,d do ;r;rnat,np 'roar caltinuia{; rrr, ;frSv.nrinmas 'a ?c mdkr n1Yrn ?nIa exd�sr,Iesled'alaol.r, in accnrt ?h•IC.e with ist! Itrrm, pi tour 1•l ruJll,> 12 10 f f1tl V DATt 6tGvn -ur!r? Tj r3wNQt CF GOLLA'rt,.nt tGrrmr ;nnn a (aC'r,::vrer; .�nr= �.- �a�mr� _ (S�ll) :dn'F LAUNATIJPN. U Crxn ;f p or- tlI LA?' nL {Or her :fan a FlmTnwpr) DATE 4: GJNA MU1'UtIL r3rSrih ° ,, 1966 .e,7, An. oU, r,H, F1 o 06. 10 ACI h'IrH ?'$ C u&'r2'JFJ> COPY vxxoaa- E IBIT a a 8 12/03/20 13:63 7175416437 PAGE 07/11 LO CU 5 52 0 U.h. F&TjMLkL CREDIT U1•310Pr JtJ1AMR QTR , 9����_ Ilir_e30 /06/10 o-! SECURITY AGREEM ENT '.�i. i ..,......._ residence, if the property 1- heus;ehold paods as do'dried by the amounte.for taxes, fogs or insurance to the unpaid balance of the Federal Trade Cemmission Credit Practices Rule, the propar?y wilt advance, wo may incresm. y ou,' payments to pay the amount secure Only the advance And not other amcuntL, you awe. added within the tvvrn of the insurarica or approximate term of the sdv 1nGe 3. OWNERSHIP OF THE PROPERTY — YOU ^rcn that y ou own the property yoat give a s security or if the �dvvnce is to buy the! 8. INSURANCE NOTICE •- If you do not purchase the required , roperty, you ­ron•ilsa You will use the Advance for that purpose, property insura ,he insurance Nve may purchase and charge 'ou p romis'e ghat no ohe else has any In tomst in or clrrlm e.,galnst �'C1U 'i0 will CoVEf On our interest in the property. The premium the property that you h:ve not ;alretld told us abOUt. YOU prnm:se lor this insurance may be higher because the insurance company riot .a sell or !ease the pro arty or to use it as security for a. loan may hava given us the right co purchase insurance after uninsured with another creditor until the advance is repaid, YQL promise you collateral is last or damaged. The insurance will not be liability will allow no other security interest or lien to Fttach to )I•rs p;•cp2rty In.urasicn and will not satisfy any slate financial responsibility or ether by your actions or by operation of law, no fault laves. A. PRIOTECTING THG SECURITY IN TEREST — if your state Issues R DEFAULT • You will be in default if you break any promise F titia for the rcparty, you proeri sa tc hovit cur security Intarest you mtrke under .his agreement. You will be in default if any Shown at. the ,title, We may htv•s to file what is zalie cl a rin main property you hzIve given us as security is repossessed by someone statement to protect our security inTeresa from the clolrr,e, ai el5e, auiized under a forfeiture or similar law or if anything else others. You irrevocehy authorize uz- to executt? (on eo;ir bel"alf), ri• happens that significHndy affects the value of the property or our :applicable), rind file one, or more financir+a, continuation or security interest in it. You will also be in default if you are in amtindn aril srocomente. pursuant to the Uniforr4 Comm.arciAl C ocis default under the Pion. if UOLI are pledging property, but have not fUCCt In form ;snti-1rfact" to ue. You promira9 to do wha -,sver also signed the Phin you will pe In defaault d anyone is In default who WE. think is necocsary� to pr o tect our secu rity intsrraEt in the his signed the Iblan. - Property. You prorn!ta to pay all coats. including but not limit:ad to An attorney fees. we incur in protecting our security interest and 10. WHAT HAPPENS IF YOU ARE iN DEFAULT -- The following rights In the property, to the ext &mt permatec.' by ;ippil°rable law. paragraph applies 'to harrowers in Colorado, 0istrict of Columbia, Iowa, Karsas, Maine, Mtssaehusotts, Missouri, Nebraska, West 5. USE OF PRODE:,RTY — Untie the advance has been paid orf, y°u Vlrglr+itr and 5t, ;te chartered credit unions lending to South Carolina prcrnism YOU will; (1 Use the property carefLitly and keup if in gone borrowers. When YOU are in default and after expiration of any repair. (k) Obtain our written pesrrntssfan before rnalcing marnr right you have under applicable state Inw to cure your default, we changes to the property or changing the address where the can dswnend immediate payment of the entim 'unpaid balance under Pr is ke t, {3) Iniorrn us in writing before - han ging your the P lan veithcut giving you advance notice. pact - ass. (4) IAf us to inspect thm propety. (5) Prornptly notify us 4 the, r'oporty is darnapad, stolen sit sbusnd, 0 1 6) Not use the The following paragraph 6pplios to borrowers in all other states Vo'erty or or, unlavlul�p (7) Not retit+e property in and federally .har,ered credit unions lending to South Carolina F;nother stoic wl.hcut tel!inp us. borrowers. Mlhan you ere In default, wa can require Immediate rment (Lacca entire of the ntire unpaid balance under the Plan, S. CONSUMERS' CLAIMS AND DeFCNSES NO1'tCE The walve3 any right YOU have to demand for payment, notice of f :tllon ing paragraph -apo!les only wl -reel the? I;•ox pn page one is intent to acoelerato and notice of acceleration. checked. NOTICE ANY HOLDER OF 'i'HIS C- ONISLIM R CREDIT The fell_ -wing p�3'tar:r,i ly to all borrowers. CONTRACT iS SUBJECT TO ALL CLAIMS AN'D DE.FEASFS Y o ar1l given as under he Plan t withoutud p osses n roce s. WHICH THE DFATOR COULD ASSERT AGAIN TwE A this cog bH done) • vithout breach of "he peace. if we a sk, you SELLER Cie C30ODS OP, S�VICES OBTAINED PUR$;vr�,NT pp o,nise to deHve•r th property at a time and place we choose. If HERETO r ►(� V+1!TH THE tE °R'OiE ®S HEREOF, REC`OVLZRY obis n ev o t key ! e ar ether d v e necessary t c ey o unl ° ck erid operate a it >^I 1 UN�?ER BY THE DESTO SHALL N EXCEED when you are) in default. We will not be responsible for an other A(AOUNTS PAID BY THE DMTOR HEREUNDER, property not cov¢nbc by this Agreement that you leave In -mein the 7. NRGPEr?TY iNSURl1NCE, TAXES ,p,ND p�: • property w that is attached to the property. We will try 'to return ES — You must thn property to you c +r make it avaikible for you to claim. maintain property insurance: on all property t'r.at you give as security under the Plan. You -.lay purcha1t thu property insurance After we have posseaslon of the propert we can sell it and apply from anytaMe YOU choose who is e to the Credit Union. the money to any amcuntE you owe us, 1 Ne will give you notice of The asrncunt e+10 coverage of the property insurtanco rnvot be an ppub:ir, disposition fir the :late after which a prlvste disp osition acce to us, You may provide the property !nsumnoe th rough wilt be held. �Jur ex penses for taking possession of and selling the e policy you already hove, or through a policy you gget and pay ;or. roperty w(if be deducted from the monay received from the sale, 1' °u promiac+ to mmke tree insurance policy pF_ye,bie to u; shd to 1 "hose 0OAt5 may include the cost of storinq the property deliver the rciir;y or proof of coverage to Us if asked to cn so. if pro pacing it for sale and :,ttorney fees to the extent peritte you Cancel your insurance and get A refund, we have a right to the under state iaw or awarded under the Bankruptcy Code. If you rotund. If the property is Jost or damage d, we cam use the hflve aegroed to pa }• the Advance, you must pay any amount that insurance settlement to repair the property or apply 1! lawsrds remtlnr, Unpaid after she safe money has been applied to the what you owe. You authorlra us to ::ncorse any draft or ohea;k unpaid haiance of the Advanca rand to what you owe under this which may be payable to you in order far ur-, to collect env refund agraornom, You tigree to pay interest on that amount at the same or bi'mo`Its dU8 undmr your Insu.spice pcllcy, Y°u also V61'niae a., rate as the Advance, or, it :applicable, at the default rate disclosed nay all Crazes oriel Peen {liks reg'ssfrztion foes; due oh the property on the Addendr!rn, until ' that amount Nat been paid. If you du not pay tha taxes or fees cn the property whon dui Or i i . DCLAY IN ENFORGiNC, RIGHTS AND CHANGES IN THE PLAN keep it ir ka3 may pay the:;o obligadans, but we ere not — We Can dela enforcing any of our right4 under this agreement required to •de) S0. Any mpr.etr we :,pond for taxa fees or an'y nuber u Wiles without losing the ability to exercise our nsur ;pre v. T be ridded to the Unl;ald balance of the rdvan;;a and rightA later. We can enforce this agreement against your heirs or you will pay interest on Bose Amounts rat the ,sam r e +te you agroeC Iragal reare,entatives. if we ch ange the terms of the Plan, you a P an the act +j r'nc ©. We may' reca ive p; rat nonnectdon agres that this agreement will continue to protect us, with the insurance from a company which provides the Insurance. We rnry monitor bur loans for :he purPOSO of dot- rm'ntn� whether 12. CONTINUE) EFFECTIVENESS - • If any part of this agreement you and °ther borrowers have cemplied with the MSLirance is detcrmiried by a ociurt to be unenforceablei. the rest will remain rAqulrot'nonts of otir loan rigreernents or ryany Gnyrga otht +;g M do in effect. 30, The insurance charge added to Lne advance may ,rctt,de ;1 ) the ineuranno company's payments too us )rap (2) the cast of determining Compliance with Vie. utsurancc rac;uiremonts if we cadce (continued on next page) THE PROPERTY DESCRIPTION IDN PAGE ONE IS PART OF THIS x:GFREEM[h'T. NOT•I!:•E; SiGN THIS AGREEMENT ON PAGE ONE S, ^LI`!s u�rUM. G4Celrp.' fawn, a.;, La, 4fr, C ?, 1E90.269D. 06, to .:LL R10*4tE. r.FSrl�vr_r. CRENT UNt01'4 COPY vzzoae•e 12/133/ -612 13: 03 7175416437 PAGE 68/11 LoC�tt 520 V.A. FEDERAL [7t =27.1' UI'QION' An"s JA JAMES a Da /06/10 SECURITY AGREEMENT 13. NOT ICE TO 14ORTH OAKOTA ac)R R00JFP,S PURCHASING A 14. NOTICE FOR ARIZONA OWNERS OF PROPERTY - It Is MOTOR VEHICLE -- 'f11E MOTOR VEHi1"LE IN Tl•115 TPAWS- unlawlrul for you to fail to return a motor vehicle that is subject to a ACTION 'MAY BE SUBJECT TO I?EPOSS.ESSION. IF IT IS Reovrity interest, within thirty days after you have recelvad notice REPOSSESSED A SOLO TO SnmECa4E ELSE, AND ALL of default. The notice will f e maiied to the address you gave us. It AIM OUN T S DUE- TO THE SECURED PARITY ARE NO'r R ECL IVED !N ..Is your resporls•Ibility to notify+ ua if your address changes. The THAT GALE, YOU MAY HAVE T O PAY 7HE DIFFERENCE= maximum penalty for unlowful failure to return a motor vehicle is one year in prison erld /or a fine of $150.000, THE PROPERTY DESCRIPTION ON F %GE ONE IS PAP.T OF THIS AGREEMENT. NOTfCE: 81 THIS AGREEMENT ON PAGE ONE hECrJE6Tr�. M0EMBrR PAYS FChz CHMI<NUti16FJi: _ _ ~- - NRANCHNUM06+. H.AN /5U1Y%C =pUN P14 I WI T�. , C:°:+ S'IC.n1,,cC+�f — .INE OF Cf7EDl7 07NCF: QrHER _ 'ACxrA,yl Net:ea 3� :Ir} _ `� 5 7, O DD. O v 5 5 1 —' c.—_.. _.. _.. w....... ...........A...:yC. /.,.....d. .�AI..)..!• _._. ..._..._.- .— ._�- ....-- ...�._.__ � - 1 L7,1 1 t 0 CUHA IU iI"UAI. •3R47tIF, 3 "'Z MD 05. i j AL RIC')crt, mp,:iq'mtF CREDIT UNION GOPy vzzoss 1 2. 11 03/ 2!112 1:1: lv;j I !.; 4 1 P- I LOCAL 520 U.A. FEDURAL CREDIT UNION R0. Dox 6167 HaMeburg, PA 17112-0187 LK-MmONEL 'Phone: (717) 646-SM , Fax- (717) 54 - 1,043'7 T01I Free: 1-886-520.8228 1--*------- Notice to Cosigner ,You are being asked to guarantoe this debt. Think. carefully belorp YOU dO. If the borrower dop.,sn't pay the debt, you will have to. Be - VOL! C ;)HOVd to pay if ycitj have to, end &. you want to :1c:; this reeporisibility, You "t)DY have to PaV Lip to the ILl'I Afrount of the drab( if the borrower (,Toes not pry. Y may also have to pay late fees or collection which ;ncroaqe ihis al*r The creditor uan collect this lebt from you wicriaut first f•qyiriq Ic collect from he W, The creditor can use the ramp collection r"Iethods against ycw that con be used again*;t she bt*,)rro�ver, such as suing you, prnlshlinq your wages, etc, If this debt is ever in default, that fact rnqV 013FT Of VOkk1` V111,10 recorld. IThis n0tiCe is not !ha contract that rT16k0t- YOU liable for the debt. Guaranty Agreement aASIC CUAIRANTY -- To induce Loca UA. F ----i *51 20 --E4.�a I i L � Tpj Ithe "Credit Union") to land money of give A1 C .1 AL-- on. icre.div to B. Adams jr. (tile "Brirtoweir"I. -20 (Account Number), VOLI !the ,lr%d severally rnorf tI)a o n s, pugr tee - , :-,clvding ;)ririr�pbl a inverc:st. prompt and full p ayment, when the following debt, 7, 000 OU 4tSE1 VEKCL.0 WHEN YOU mUS- PAY - If the Borrower la;Al; to pay the debt when due, VOU protillse trl eery the debt tc the Credit Un ion upon demand, CrOdit Un;c-n can demand that you the debt ever, if it does not try to collarl from the Borrower and without enforcing any ps-(rcurity interests the Borrower has qjl:vi, Ole Credit Union. !SERITY ]Promi CL s Tii. Ycu ' :Oed g e all share "C dc ),1 MY of Our joint and individusii accounts at th Credit Union as security for your s Credit Union hen the right to - . PPI5 your Olarea andlor dinposin t47w;r•rds Vkthat You owe if you are in default under this Agreernent. Shares ariftr deposit" in art `nd;vir;ILVOJ Retirement Accourvt and any other accounv that would lose special tax treatment under state Or federal low if giver. an umurity acct not A tr bi ea t to t h e socu rl ; I)f interest V013 4ava given in your shares end deposits. � il%10 N10TICC- I,, QU,RED _ Thi, ouarmll,Y rernaloi-q in effect ev( r1iough you are not given notice Df the following: "I I If the Borrower fails ro pay any amount due. (2) Of any action takLri tw the' Credit Union with resPer' If; oroperty given by ( S"OWer ES SOCUCIty for the debt. (3) Of any new debts will) The Credit Union incurred by the Borrower. he „4l Of any rep ovijM, E ,, X t ar , .r,iop. Cr substitution of of tho Sorrower'e debts. 15) Of the acc by the Credit Union of this guaeariry. PAYMENTS -- The crtidit Union tias tine fizill to aonly pavrnanis by the 13,wro%,er t any ,�f I Union elects, t Borrower's debts in any order the Credit YOU MAY BE SI.)Eo -- yoli may be aued fnr :�EYrnent of the deb, it the Borrower Is in aefault Erne You do riot pay the amount you have OTHC-R GUARANTORS more ihan one G'uarantor $iqrIS this Apreernelit, Guar at any tune withc affecting the fiabilit o f 11 Dtl-jel-f: the Credit Union can release or settle with Einy of the NO OWVER OF RIGHTS -- T . Ili Credit Vh!uri can delay enforcing any of its rightS Lin-let this Ag reement without losing them. WHO IS BOUND Fach person who signs bptOw is baynd jointly and s0verlilly. The Cred:lt Union can enforce (hIS Agreement against WHO heirs and legorepresmntatives. 7 ....... . . - — ----- . . . ..... .... . ........ James L� Adams Sr. NAME 'ZA 1 411. Me 1.1 NAME DATF , 5CAL! n U r V- DWW=" = an =m!-- (SEAL) AT[ DATE 80. 6]. A4, e. A!. L K*�qrs PrsEnvr.) OXXI 10 ILM.ItMl 77Ar,,1 Is 04.02/2013 15 :2.4 71.75410437 PAGE 02/04 MS5252R LOCAL 520 FFEDEILU CREDIT UNION PAGE 1 QTJsER MEPABER ACCOUNT HISTORY 4/02/13 13:38:06 ACCT.# A DAMS :7'R JeUfES P . 315 HEMLOCK ROAD TEL MCJM'!'•3;R. MECE'IANICSEURG., PA 17055 DA TES 7.0 /06/10 THRU 11 /01/12 TRZAMACTT0N FIEF TOTAL LOAN ACCOUNT DA'L'E DESCRIPTION :1 'i AMT IrWT .AR4T PRIM AMT BALANCE LOAN wUR4I <TX 020 00 FOIRD RA ' BEG BAL. N/A 10/06/10 NEW LOAN 30204 7000.00 '7000.00 7000.00 l0 / a C �:NSURAliC. �0z 4 .90 4.90 7004.90 11./03/10 FR doWK01 32078 160.68- 21.43 139.25 6865.65 :11/30/10 CL INS'11R.PIlCF. 20403 4..81. 4.81 6870.46 12/28/10 FR JMW03. 355'77 5")..00- 41 .29 2.71 6861.75 12/30/10 CL INSURANCE 2063E 41 4.80 6866.55 1114/11 c # 3360 36973 277..36- 12."i6 258.60 6607.95 1/3 C?, IN4SUFJUviCE 20678 4.63 4.63 6612.58 2/28/11 CL TNSUIR -ANCE 217.,06 4 ,. 63 4.63 6617.21 3116/11 CHY, # 1259 40710 321.36 44.0.9 277.27 6339.94 3/21/11 REDEP.FEIR CK125G 40997 5.00 5.00 6344.94 3/31/11 CL I1\ qCE 2136.2 4.44 4.44 6349.38 4/0-8/11 CHK # 1266 42512 160.26- 15.96 144.30 6205.08 4/18/11 REV. CK 1268 NSF 43052 160.26 15.96 144.30 6349-38 4/27/11 FR MOW 01. 43608 1,00.00- 29.15 70.85 6278.53 4/30/11 CL INTSUS'..fyNCE 2160 .4 3- 4.39 6282.92 5/26/11 FR jmjW01 45369 108,00 19.92 88.08 6194.84 5/31/11 CL 1INSU.kkNCE' 21847 4.34 4.34 6199.18 7/37 .%li CHK 4 3595 45654 1i3.36- 3.39 109.97 6069.21 6/28/11 PP 7:1.. 473x•0 62 , 64•- 18.64 44-00 6045.21 6/30/11 CL 22_.03 4.23 4.23 6049.44 7/31/1.1 CI., INS LUIP.ANCE 223.44 4.23 4.23 6053.67 8/03/11 CHK 4 355.2 48658 41.9. 40 - 23.81 395 .59 5658.08 g/11.j1.1 FR -a 48875 160.68 - 4.95 155.73 5502.35 6/31. /11 CL INSURANCE 22587 3.85 3.85 5506.20 9/30/11 CL INSURANCE 22828 3.85 3.85 5510.05 10/30/11 CL iNSURANCF 73070 3.86 3.66 5513.91 21/18/1.1 CIS ##35'94 5,2290 3.27.. 36 - 59. 61 261.75 5252.16 1.1/30/11 CL Tj\ 23:335 3.68 S.68 5255.84 12%28/11 CHK 4 3614 53655 16 . 68 - 22.98 137.70 5118.14 .12/30/11 CL TNSUF.ANCE 23594 3.58 3.58 5121.72 1/31/1.2 CL INSURANCE 23845 3.59 3.59 53.25.31 2/09/12 TR.F. F'R.OM S4ARES 55135 184.52- 24.08 160.44 4964,.87 2/•29/2.2 CL ITNSURANCE 24088 3.48 3.48 4968.35 3/30/12 CL TNSUFZ.ANC:.k, 24355 3.45 3 .48 4971.83 "4/30/12 CL INSUP.FSCi 24618 3.48 3.48 4975.31 5/31/12 CL INSURANCF 24873 3.48 ..48 4978.79 6/30/12 CL NSUPANCE 25119 3.49 3.49 4982.28 7/31/12 CL IhSURA.IVCE 25367 3..4,;9 3.49 4985.77 8/31/12 CL IrIS: JRP�W( -'w 25628 3.49 3.49 4989.26 9/30/1. 2 CL INSUPkIN -CE 25277 3 , t.9 3.49 4992.75 10/31/12 CL INSMANCE 25134 3.9:9 3.49 4996.24 11/01/12 Int Charged Off: 64041 1 -4. 4 . 79 1.44 . 79 5141 - 03 EXHIBIT a a s r VERIFICATION I, 'rn x"1 (name) (title) of LOCAL 520 U.A. FEDERAL CREDIT UNION, verify that the statements made in the aforegoing document are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa. C. S. §4904, relating to unsworn falsification to authorities. LOCAL 520 U.A. FEDERAL CREDIT UNION By: Title: Q �,, -- Dated. f U 38878 ADAMS SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson ;.`I ?-( t=k f'. Sheriff 61L'- `k {l} PROTHON01 Jody S Smithia�C 3 Chief Deputy ' V&A=31r AM 9D: 08 Richard W Stewart "' Solicitor OrP= E OrTRE W:Rtr== CUMBERLAND GOUKr PENNSYLVANIA Local 520 U.A. Federal Credit Union Case Number vs. James B.Adams, Jr. (et al.) 2013-2920 SHERIFF'S RETURN OF SERVICE 05/24/2013 07:30 PM - Deputy Ryan Burgett, being duly sworn according to law, served the requested Complaint& Notice by"personally" handing a true copy to a person representing themselves to be the Defendant, to wit: James B.Adams, Jr. at 315 Hemlock Road, Upper Allen, Mechanicsburg, PA. RYAN BURGETT, DEPUTY 05/24/2013 07:30 PM - Deputy Ryan Burgett, being duly sworn according to law, served the requested Complaint& Notice by handing a true copy to a person representing themselves to be James Adams, Jr., son of defendant,who accepted as"Adult Person in Charge"for James B Adams, Sr. at 315 Hemlock Road, Upper Allen, Mechanicsburg, PA 17055. RYAN BURGETT, DEPUTY SHERIFF COST: $55.76 SO ANSWERS, May 29, 2013 RONl`6 R ANDERSON, SHERIFF (c)CountySuite Sheriff,Teleosoff,Inc. Local 520 U.A. Federal Credit Union IN THE COURT OF COMMON PLEAS OF Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA v , NO 2013 2920 CIVIL TERM -0 JAMES B. ADAMS JR and JAMES B. ADAMS r.4Y SR .._ Defendant(s) CIVIL ACTION - LAW ca - = PRAECIPE FOR DEFAULT JUDGMENT _ c L.r Enter judgment in favor of Plaintiff and against Defendant(s),JAMES B. ADAMS JR and JAMES B. ADAMS SR, named for failure to file within the required time an Answer to the Complaint in the above-captioned case and assess the Plaintiff's damages as follows: Amount claimed in Plaintiff's Complaint (Count I) $ 3,016.03 Interest at the rate of 8.99% from 12/1/12 to 7/3/13 (0.74 per diem) $ 158.36 Amount claimed in Plaintiff's Complaint (Count II) $ 6,169.24 Interest at the rate of 6% from 12/1/12 to 7/3/13 (1.01 per diem) $ 216.14 Less payments, if any $ 0.00 Total $ 9,559.77 PLUS any and all court costs incurred by Plaintiff TBD I hereby certify that a written Important Notice of the intent to file this Praecipe was mailed or delivered to the Defendant(s) and/or his/her Attorney of Record,if any,after the default occurred and at least ten (10) days prior to the date of the filing of this Praecipe and a copy of the notice(s) is/are attached. .\ KODAK LAW OFFICES, P.C. 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P 10 W zW ,w 1 W p0 ;No,.e. 0 `PpU 4 w w '-w d Or ;mod,- WW4 2 �d d `dtw � 2 �Q �da Np O uo�� W O ox P , 'a a , r 0 Uw Z � W P d N •p ,dWO dw w `P Q, W fit-' ,p w.4 o P P � 4 U O rd , � mW ' a o y y W O Is O N G s U 0 G bA 0, ? a, ?''W 0aG :0�°� o wW Pd m � ' y N3 � C aW d r''' 7" U Y "` CIS 0t.-...,.� � U G� O 02 0. � -3 O 0'" v 0 6 O d P .$ d''' 9:::4 , d -a 0 t o p 9 U 0 Y d W p • O rG C � v 6 G V V o'd� 7,... G.0 El � o �H d N F m Go o ° o d d O W Wes. m,- Wm m Cr, 3 W m 0 s •r 7 U to Ca W �0 r N d o ',3';,,, m oo U W m V. P w p p Cd 9 0 a a d � �d s m P d d y p✓, oV o r9 J 01, w' .� Q 'G f o 0 H sd0 t d W o w t o d m U ONCS °c:16% w dc % x 3 d W�� yoo ' w d CG y 0 ca. oY d ° a N° NW o S"P P d 0 'a 2 4 0 , ,0 ' 0 6 ° F, d y y y `r-,E ` .1� O RaD°, o w dU 0..s11 x R W -� R oo d o A o A t d "Z. a it� ., o H O,-' 5 Local 520 U.A. Federal Credit Union IN THE COURT OF COMMON PLEAS OF Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA v NO. 2013 2920 CIVIL TERM JAMES B. ADAMS JR and JAMES B. ADAMS SR Defendant(s) CIVIL ACTION- LAW TO/A: JAMES B. ADAMS JR Defendant(s) / Defendido/a, Defendidos/as You are hereby notified that on \ , 20/J, the following Judgment has been entered against you in the above-ca tioned case. Por este medio se le esta notificando que el de del 20 , el/la siguiente(Fallo) ha sido anotado en contra suya en el caso m cio e igrafe. I Date: Fecha : I ! 3 � Pr onotary / Protonotario Judgment entered in the amount of $ 9,559.77 I hereby certify that the name and address of the proper person(s) to receive this notice is: JAMES B ADAMS JR 315 HEMLOCK ROAD MECHANICSBURG PA 17055 Attorney for Plaintiff Abogado del Demandante Local 520 U.A. Federal Credit Union IN THE COURT OF COMMON PLEAS OF Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA v NO. 2013 2920 CIVIL TERM JAMES B. ADAMS JR and JAMES B. ADAMS SR Defendant(s) CIVIL ACTION-LAW TO/A: __ _ _ Defendant(s) / Defendido/a, Defendidos/as JAMES B. ADAMS SR You are hereby notified that on Ckl, S , 2013, the following Judgment has been entered against you in the above-captioned case. Por este medio se le esta notificando que el de del 20 el/la siguiente(Fallo) ha sido anotado en contra suya en el caso men na o e afe. Date: Fecha : kb .� Prothonotary / Protonotario Judgment entered in the amount of $ 9,559.77 I hereby certify that the name and address of the proper person(s) to receive this notice is: JAMES B ADAMS SR 315 HEMLOCK ROAD MECHANICSBURG PA 17055 Attorney for Plaintiff Abogado del Demandante PRAECIPE FOR WRIT OF EXECUTION - (MONEY JUDGMENTS) P.R.C.P. 3101 to 3149 LOCAL 520 U.A. FEDERAL CREDIT UNION IN THE COURT OF COMMON PLEAS OF Plaintiff Cumberland COUNTY, PENNSYLVANIA Writ No. Term 20 Vs No. . . . . . . . . . . . . . . . . . . . . . . . . . . . 20134920 Amount Due JAMES B. ADAMS JR and JAMES B. ADAMS SR 7/5/13 jdmt . . . . . . . . . . . . . . $ 9,559.77 315 HEMLOCK ROAD MECHANICSBURG PA 17055 Interest from jdmt to 8/26/14 $1.57 per diem . . . . . . . . . . . . . . $ 655.30 DEFENDANT(S) Atty's Commission 5% statutory rate . . . . . . . . . . $ 477.99 Costs (to be determined) $ TO THE PROTHONOTARY OF SAID COURT:ISSUE WRIT OF EXECUTION IN THE ABOVE MATTER, (1) Directed to the Sheriff of CUMBERLAND County,Pennsylvania (2) against JAMES B.ADAMS JR and JAMES B.ADAMS SR Defendant(s); (3) and against Garnishee(s); (4) and index this writ (a) against JAMES B. ADAMS JR and JAMES B.ADAMS SR r refga )and (b)against r Lo c EGaree s , as a lis pendens against the real property of the defendant(s)in the name of the Garnishee(s)as follows—"-'C:� (Specifically describe property and note any specific direction to Sheriff)Furnish 4 copies for real estate I&y): 4 LEVY UPON ALL PERSONAL PROPERTY OF THE ABOVE-LISTED DEFENDANT(S) AT THE ABOVE ADDRESS IN CUMBERLAND COUNTY,INCLUDING BUT NOT LIMITED TO FURNITURE,JEWELRY,ELECTRONICS,SUPPLIES,ETC., AND GARNISH THE ABOVE BANK FOR ANY AND ALL ACCOUNTS UNDER DEFENDANTS NAMES. (5)Exemption has(not)been waived. �� �Cf- �� ,,� � Q, WANyC.Troutman,Esquire Robert D.Kodak,Esquire SS,n u Nk 407 N.Front-3`d Floor L% Harrisburg,PA 17101 0717)238-7159 ated 8/26/14 l` t \ G� �� Attorneys For Plaintiff(s) \ � . 5b � S a �1 7 a-�10 OF Cv i < THE COURT OF COMMON PLEAS o Z CUMBERLAND COUNTY PA " DAVID D.BUELL,PROTHONOTARY One Courthouse Square • Suite 100 • Carlisle, PA• 17013 1750 (717)240-6195 www.ccpa.net LOCAL 520 U.A. FEDERAL CREDIT UNION Vs. NO 13-2920 Civil Term CIVIL ACTION—LAW JAMES B.ADAMS,JR. AND JAMES B.ADAMS. SR. WRIT OF EXECUTION (Pa R.C.P.3252) TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the judgment, interest and costs against JAMES B. ADAMS,JR.AND JAMES B.ADAMS,SR., 315 HEMLOCK ROAD,MECHANICSBURG, PA 17055 Defendant(s) (1) you are directed to levy upon the property of the defendant(s)and to sell the defendant(s) interest therein; LEVY UPON ALL PERSONAL PROPERTY OF THE ABOVE-LISTED DEFENDANT(S) AT THE ABOVE ADDRESS IN CUMBERLAND COUNTY, INCLUDING BUT NOT LIMITED TO FURNITURE,JEWELRY, ELECTRONICS,SUPPLIES,ETC.. (2) you are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S),as garnishee, (Specifically describe property)and to notify the garnishee that (a) an attachment has been issued; (b) except as provided in paragraph(c),the garnishee is enjoined from paying any debt to or for the account of the defendant(s) and from delivering any property of the defendant(s) or otherwise disposing thereof; (c) the attachment shall not include (i) the first$10,000 of each account of the defendant(s) with a bank or other financial institution containing any funds which are deposited electronically on a recurring basis and are identified as being funds that upon deposit are exempt from execution, levy or attachment under Pennsylvania or federal law. (ii) each account of the defendant(s) with a bank or other financial institution in which funds on deposit exceed $10,000.00 at any time if all funds are deposited electronically on a recurring basis and are identified as being funds that upon deposit are exempt from execution, levy or attachment under Pennsylvania or federal law. (iii) any funds in an account of the defendant(s)with a bank or other financial institution that total$300 or less. If multiple accounts are attached, a total of$300 in all accounts shall not be subject to levy and attachment as determined by the executing officer. The funds shall be set aside pursuant to the defendant(s) general exemption provided in 42 Pa.C.S. § 8123. 1 (3) if property of the defendant(s)not levied upon and subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify such other person that he or she has been added as a garnishee and is enjoined as above stated. Amount Due $9,559.77 Plaintiff Paid Interest FROM JUDGMENT TO 8/26/14$1.57 PER DIEM-$655.30 Law Library $.50 Attorney's Comm. 5 %STATUTORY RATE-$477.99 Due Prothonotary $2.25 Attorney Paid $204.51 Other Costs Date: 8/28/14 David D. Buell,Prothonotary Deputy REQUESTING PARTY: Name : JEFFREY L. TROUTMAN,ESQUIRE Address: KODAK LAW OFFICES,P.C. 407 NORTH FRONT STREET,3RD FLOOR HARRISBURG,PA 17101 Attorney for: PLAINTIFF Telephone: 717-238-7159 Supreme Court ID No. MAJOR EXEMPTIONS UNDER PENNSYLVANIA AND FEDERAL LAW 1. $300 statutory exemption 2. Bibles, school books,sewing machines,uniforms and equipment 3. Most wages and unemployment compensation 4. Social Security benefits 5. Certain retirement funds and accounts 6. Certain veteran and armed forces benefits 7. Certain insurance proceeds 8. Such other exemptions as may be provided by law 2