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Supreme Court of Pennsylvania r-= For Prothonotary Use Only: Co y,, °°ormi.*, o,Pleas i' .v t `,.'`' .t Docket No: CUMBE ' '-:0_, i " County i .-, 40 es :4.411111111111.1K 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 by law or rules of court. ' ^"'', Commencement of Action: „, © Complaint L Writ of Summons L Petition Y a. ❑ Transfer from Another Jurisdiction L Declaration of Taking g Lead Plaintiffs Name: Lead Defendant's Name: Cavalry SPV I,LLC assignee of Navy Federal Credit Union SHAWNA M WHEELER Dollar Amount Requested: X within arbitration limits Are money damages requested ® Yes ❑ No (Check One) outside arbitration limits ' Is this case Class Action Suit? ❑ Yes B No Is this an MDJ Appeal? ❑ Yes ® No Name of Plaintiff/Appellant's Attorney: Michael B.Volk #88553 Check here if you have no attorney (are a Self-Represented (Pro Se) Litigant) r c -'-_ . .,i 6. ", ' i t36€ ' '3$ - ' 0,1-' i .,�• ":z - F? ,.a= ') - M ,5 _. ;' -y gyp " .-- --, .t TORT(do not include Mass Tort) CONTRACT(do not include CIVIL APPEALS ti, ❑ Intentional Judgments) Administrative Agencies ❑ Malicious Prosecution L Buyer Plaintiff ❑ Board of Assessment El Motor Vehicle ID Debt Collection: Credit Card E. Board of Elections =i ❑ Nuisance ❑ Debt Collection: Other ❑ Dept. of Transportation ❑ Premises Liability ❑ Statutory Appeal: Other ❑ Product Liability(does not include mass tort) ❑ Employment Dispute: ❑ Slander/Libel/Defamation Discrimination °1 ❑ Other: ❑ Employment Dispute: Other ❑ Zoning Board 44,ewe El Other: ii tom• , MASS TORT El Other: • ❑ Asbestos of ❑ Tobacco ❑ Toxic Tort-DES �' ❑ Toxic Tort-Implant REAL PROPERTY MISCELLANEOUS P r, ❑ Toxic Waste ❑ Ejectment ❑ Common Law/Statutory Arbitration ❑ Other: ❑ Eminent Domain/Condemnation ❑ Declaratory Judgment f Ar pA ❑ Ground Rent ❑ Mandamus ❑ Landlord/Tenant Dispute ❑ Non-Domestic Relations ".i ❑ Mortgage Foreclosure:Residential Restraining Order PROFESSIONAL LIABILITY ❑ Mortgage Foreclosure:Commercial ❑ Quo Warranto ❑ Dental El Partition El Replevin ❑ Legal ❑ Quiet Title Ell Other: ❑ Other: trs ,�❑ ❑ Medical ❑ Other Professional: Pa.R.C.P.205.5 PA CCSG IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Cavalry SPV I, LLC assignee of Navy Federal Credit Union ��,,, 3- low v, Plaintiff NO. � �• � �� ,, � COI v. CIVIL ACTION LAW "`'` ` -r'' D J� ) SHAWNA M WHEELER Defendant(s) NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by 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 or any other claim or relief requested by the Plaintiff. You may lose money or property rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET HELP. 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 32 S BEDFORD ST. CARLSILE,PA 17013 (717)249-3166 FFG File#375625 1111111 11111 11111 11111 1111111111 111111111111 1111 11111 IN 1111 1111 0,t04 _9), 73p42 367 901 $ c/yg PAPA NTCDE IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Cavalry SPV I, LLC assignee of Navy Federal Credit Union Plaintiff NO. v. CIVIL ACTION - LAW SHAWNA M WHEELER Defendant(s) NOTICIA USTED HA SIDO DEMANDADO/A EN LA CORTE. Si usted desea defender conta la demanda puestas en las siguientes paginas, usted tienen que tomar accion dentro veinte (20) dias despues que esta Demanda y Aviso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando por escrito con la Corte sus defensas o objeciones a las demandas puestas en esta contra usted. Usted es advertido que si falla de hacerlo el caso puede proceder sin usted y un juzgamiento puede ser entrado conta usted por la Corte sin mas aviso por cualquier dinero reclamado en la Demanda o por cualquier otro reclamo o alivio solicitado por Demandante. Usted puede perder dinero o propiedad o otros derechos importante para usted. UN ABOGADO, VAYA 0 LLAME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS. QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO 0 GRATIS. CUMBERLAND COUNTY BAR ASSOCIATION 32 S BEDFORD ST. CARLSILE,PA 17013 (717)249-3166 FFG File#: 375625 PA/PA_NTCDE IN THE COURT OF COMMON PLEAS OF CUMBERLANDCOUNTY, PENNSYLVANIA Cavalry SPV I, LLC assignee ofNavy Federal Credit Union 500 SUMMIT LAKE DRIVE SUITE 400 VALHALLA NY 10595-1340 Plaintiff NO. v. CIVIL ACTION- LAW SHAWNA M WHEELER 10 2ND AVE LEMOYNE PA 17043-1304 Defendant(s) COMPLAINT AND NOW, comes Plaintiff, by and through its attorneys, Fulton, Friedman & Gullace, LLP, and files this Complaint and in support avers as follows: 1. Plaintiff is the current owner of,and/or successor to,the obligation sued upon,and was assigned all rights,title and interest to defendant's Navy Federal Credit Union account 2102(Cavalry SPV I, LLC Number 17614755)(hereinafter"the account"). 2. Upon information and belief, Defendant(s),SHAWNA M WHEELER, has a last known address(es) of:10 2ND AVELEMOYNE PA 17043-1304 3. Upon information and belief, the account is based on a written credit agreement entered into between Defendant and the original grantor; as provided to Plaintiff, the material terms of the agreement applicable to accounts issued by Navy Federal Credit Unionare attached hereto. 4. Upon information and belief, defendant(s) used or authorized the use of the account to obtain loans from the original credit grantor for the purpose of obtaininggoods,and/or services and/or cash advances. 5. Defendant(s)failed to make full payment of the amount owed on the account. 6. Upon information and belief,the original grantor charged-off the account o 9/28/2010. 7. The account shows that the Defendant(s)owe(s)a balance of$9665.08. WHEREFORE, Plaintiff respectfully requests this Honorable Court enter Judgment in favor of the Plaintiff and against Defendant(s) in the amount of$9665.08, plus costs of this action, and any other relief as this Court deems just and reasonable. Respectfully b 'tted, Michael B.Volk #88553 Rachel A. Clark#311484 Fulton Friedman&Gullace,LLP 6 Kacey Court, Suite 203 Mechanicsburg,PA 17055 Telephone Number: (800) 869-2331 FFG File#375625 VERIFICATION I verify that the facts set forth in this Complaint are true and correct to the best of my knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. §4904,relating to unsworn falsification to authorities. I am authorized to make this verification on behalf of Plaintiff. Date: 20 aj :y illa '1r P,� \ .'+' • Print Signature AWNT(12e-a-PCICiakt(LiCbt)^1Q Title 11111111101111111011111111111111111111111111111111 1111 IIII Ilil FFG File#375625 EXHIBIT A WI e IC e t 0 1.02,t t 0 �� NAVY FEDERAL CREDIT UNION Account Number Suffix Jess COLLATERAL REPOSSESSION CHECK-OFF LIST '102 3011032616 IMembers Middle Last) MINIMUM Shawna M Wheeler BID $ aColateral(Year Make Body Type Model) Value Jr, 2002 Volvo CONVERT 070 y�a� �, Retaa �„ $3,25040-- WmdC.iW S 4,550.00 ■ LOAN Loan Balance Due Date Date of Last Pmt Amount Del uent Monthly Pmt 1 DATA S 11,724.00 3/17/10 3/10 $r,'i. Zy $292.00 ,1 LOCATION OF (No. Street Name City s e Zip) a VEHICLE 306 3Rd St Enola PA 17025 It ACTION DATE ' LAST NAME ACTION DATE LAST NAME by Supuale documentation certified ilii 13.Adverti sed in Auction f by Supervisor.Titted(State)NC Lien ) (_ ,Q.� J., Yes ! - C�f SrJ�J1,Cp� �`J�W V Copy of Prom Note,of collateral la or eral authorized Draft J 2.Repossession of collateral authorized by 13(a)Buyer's Name; Branch Head/Asst.Branch Head/Supvr X Attwunt: l^) (o R.7 222z_ by 3.Member and Comaker/Co-owner notified of 05(05 2(/rscertIin.rjrts 13(b)Buyer's Address: IDeIin to ncy Counselor)repossess by certified letter(Sr —1 t') G� 2 Z3 L( Detlnquertcy Counselor) 4.Repossession Agent selected Repossession Expence Nffe l Amount 1 Amount hick a(d s 1 Assoc (e hz- /-647 ....., a Address: a. ,to •-_.t,L,(� '4rr 1. V* g-7 3 9"( Phone No. (Area Code) Fax No. 31„.v. f/OC P O � c Total 5.Letter of authorization sent to 14.Outstanding bills itemized with Gen. Repossession Agent V Accounting 6.Collateral Repossessed c /�� 15.Cogv_r accepts bidof _ 7/9 vi_____....0 . 7.Gen.Accounting Branch sent notice of 1?4 16.Proceeds ceived repossession N p� e.Memberand Comaker/C• 'tom.. .of 17.Net repossession by certified le !., �• / / i)�, proceeds applied to member account period expires L^ 'r' �}7t 9.Condition Re and res re•-ived 8pC r / J�`—J Report pictures 18.Member and comaker/co r notified of from Repossession Agent �/] sale price and deficiency b IT Ted letter q kl.r3 14.Repossessed title application submitted to 19.Procedure review by Spec Coll Supvr State of: 4, ? ,114.. 11.Repossessed title received �� 24.Record forwarded to: � 2S 12.Title signed and forwarded to Agent 8726- hil\-----" Involuntary Remarks:/� / �) ,HIM /l)1 ����, _ ictii: A, .--2,c11 -290 4 'o° lad / _ _ ii Ii • a a a a ri • Tyw a a am t a trF • N AA M 00 °o 0 a 0 N O B ti N 0 o CO cc ,� �, �a i CO 0 o ui Ili Nf \ 1 al ca? J r N M V ill Z C4 Fa 4. 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Z o s ° ; • . , C4 °w w° r c to - a ku ° X42• • I M.� - .rme p s a. .2 kz� rZ • g i Nom? c co r7 z0 el w .o u-et p m4 y_ZNT. r r ur r too co. a 54 PD to �+ a ' A . 7rs.c3 ..x '. .r.40:i . 0 : ---.' #.26.'49 Art cn ,t.i _I-ic" :.: ' ' ' .' f x !' suall W 4 0 m> .a ?o Q a o ~ O< t] 0m o ~ w 2 �1m - ✓ N n o � w ; i O f- [� -E ., LL ,� Ox : . AI 4 . . 8 OC i ► 2 t0 }-1 r o Z VV o • "C.>: . $ .Av , - , o 1 g vi �_R Z I , >� x M•. �� 4 i CC H u -I E0 O .5 " z . ayze to W G>♦ r-I x Fi . H .a to 01 d •A 4' -11 6 CO f�; rn c " w O Q .. 2 g ]., A O r-1 CO 1 w w .`L"i dl *, ... t 2 0 ur s O C7 'to f :¢ • WH >4# E. C.tr a! - .0 ff.= Iv NH � nt 1. Aa .1- • O O O a— 15. co O Di :.A-�s Al l • 1c J Wa •--..P• 1 V. .1: :. g -. E b i 4 OD '1 o. eu O 1 Fin 7..6 N I!:! I H tO ILI 3 w'¢'_ a o H raaan E a ..... . . . . • • • l■ g i el . r a 04 1 i C1 x ° O H o g m 91 E-I H m O o m to Pa I:0 USN c e N h O b N N CO o M AAa� vi',�'�' o ' er m I Pk i sr a�PQ rat 0 ° 11 co0 m�R.'N ° Ch 0t•- fAZ+Zi00 a 1 c�v a '0 o al 00 O al INI) 00 0 C7 .' N U t0 0 0 0 z H z 5 i1 %00 +0-1 H 01 �>1 U C) g d N Ad 43 0 b1 p• }MN �fIU X P O o d ei W O • V O H d a43• o N 1-1 LO II ch co o ° 0 � N Cl d u . Q x 5 ey H E4 m 0 co DI a y0Omo r-i 9 r o a to=`M ,\ Ndo OCx'J O1 oca idF � • ox zzo •-mzAd � Q AI oo Ho° N e� OuumE� OccDU3J mrim v aSw44 lb y z Cl) )- ` W 4 r ■ I 1 , ! 1 1 i in a NAVY (ft FEDERAL® In reply refer to: Credit Union 2 4106245 20 September 2010 I Ms. Shawna M.Wheeler 306 3rd St Enola,PA 17025-3122 a aDear Ms. Wheeler: 0 This letter will serve as your notification that the 2002 Volvo which was serving as partial collateral on your loan number 1102102 has been sold for the high bid of$3,600.00. Following the deduction of the repossession expenses of$620.00,the net sale proceeds of $2,980.00 were applied to your loan leaving an outstanding loan balance of$9,670.08 (plus interest). You are responsible for this balance and repayment arrangements must be made immediately with our Collections Department at extension 45787. Our toll-free number is 1-800-336-3767. You may call between 8:00 a.m. and 4:30 p.m.,Eastern time,Monday through Friday. Your immediate attention to this matter is required. Sincerely, Karen Complier Manager, Repossessions and Vehicle Dispositions LF:fl Enclosures: Voucher Return Envelope PO Box 3000 Merrifield VA 22119-3000 k i f• • f 1 • \• =oyy4:,° tip:- ,'ONE. A At 7-'s 1�� !` , i'1t �G DEPARTMENT<OF:MOTOR„VEHICLES ' x, �rl,.. 1 `.;._ J k.�]'. 1l� it Sil .� 1.. \ . . �.`wa � iK•.-i.�..v. 4tM',,,..,.,. lei' , •" ....... ....... .... .. ......• . ... .� emu, ... . . . b,Q' - 'k ./ CERTIFICATE OF TITLE FOR A VEHICLE I \ • '• e KEEP IN SAFE PLACE-ANY ALTERATION OR ERASURE VOIDS THIS TITLE :. s . . • 'ME DEPARTMENT OF MOTOR VEHICLES.COMMONWEALTH OF VIRGINIA,HEREBY CERTIFIES THAT AN APPLICATION FOR A CERTIFICATE OF TITLE HAS BEEN MADE FOR THE VEHICLE DESCRIBED HEREON PURSUANT TO THE PROVISIONS OF THE MOTOR VEHICLE LAWS OF THIS COMMONWEALTH,THAT THE APPUCANT NAMED ON E FACE HEREON HAS BEEN DULY RECORDED AS 171E LAWFUL OWNER OF SAID VEHICLE,AND THAT FROM THE STATEMENTS OF THE OWNER AND THE RECORDS ON FILE WITH THIS DEPARTMENT,THE HEREON DESCRIBED VEHICLE IS y SUBJECT TO THE SECURITY INTEREST RECORDS ON FILE WITH THIS DEPARTMENT,AND AS DESCRIBED HEREON,IF ANY.THE MOTOR VEHICLE LAWS OF THIS COMMONWEALTH ALSO PROVIDE f THAT ALL TULE AND REGISTRATION INFORMATION IN THE OFFICE OF THE/DEPARTMENT OF MOTOR VEHICLES IS.PRIVILEGED AND ONLY SUBJECT TO DISSEMINATION TO AUTHORIZED 4�. 1 ,. AGENCIES,BUSINESS ORGANIZATIONS OR AGENTS,GOVERNMENTAL ENTITIES AND INDIVIDUALS UNDER THE CONDITIONS SPECIFIED BY MOTOR VEHICLE CODE SECTIONS 46.2-208.48.2.209 AND 46,2-210. _- I • 1 !ua a _ ,a _ . r, _ • r, ■ .. 1/ •f WQQ{{eIt^g. >�5t1 $ ;13.6^ 44S:;f wi �. � I:� i`w.V�ifFlbw9�}I�.... �• tJ �f.L�w_k \ f o�+ . � . ���iul•u�.a...,n ni.. s r ` EMPTY WGT. GROSS WGT. GVWR GCWR AXLES FUEL SALES TAX PAID;ay;.5IJQ`IW •„ :. M DATE ISSUED r. 691 2 GAS VA EYEMPT ;; '' a ''fi: : 08/18/10 • OTHER PERTINENT DATA ' ODOMETER BRAND PRIOR TlTL6'NO. IND ACTLTAT, '1' • pie m4 a d .drass(�sl of�t� THIS IS NOT A TITLE NUMBER • •NAVY ':1iERALL C NION G 20 ? 2 i9 59 i • PO BOX 23895 MERRIFIELD VA 22119-2302 ■ I NO..,LIENS / ' � ' 1 r I` ‘ i. - 1 • \ — 1/ , l\ . I ,, i i ' 1, i .• ' 'r '4I a %y .� .r -"ii -' 'i•* i 'I 11 A', ,t. )cd,f• , � f. •L 1*; ,L"r';I1L�4�f:' ,'%1 Is Ix "', ',h ,I ,, tin '• { P. i� ;+�'. 1i 1 4.,}r o'"•: t Federal and State law requires that you state,the mileage In connection with the t1ransfer of ownership.Failure to complete or providing a false statement may result in fines'an or imprisonment !� The undersigned hereby certifies that the vehicle described in this Tine has been transferred to the following(printed name and address of Buyer(s . // J °• 9 Buyer Name s) e 1\ rn --Ir ... ∎;;-• tro 'w --�`d fy State.Zip .. t''` 0; a{'1'»: 3 '::':.11'.I•:':.1' i': n h. DATE OF SALE ALE PRICE as U ODOMETER-r r NG 1•: , to the best of •,a that the odometer reading Is the actual mileage of the vehicle unless one Of the ' sta is is checked: _ W=— (110 T` � 7.The mileage. .1'•Is in excess its mechanical limits. O 2 The odometer read' the a�lual m errs_- Nue�tETES DISCREPANCY. > Signature of Seser(s) �!1-A '1 ...i" ' d _ .. Printed Name of Seller(s7_� l / ,/ �� 4 1/ N o .signature of Buyer(S) t I Pdnfed Name of Buyer(e I am aware of the above odometer certification made by the Sellers) ' `\ I am aware of the above odometer certification made by the Seller(s) r `,4•, ' • ll DETACH HERE II Dealer's No. Ucensin,Jurisdiction i . ! . i--"3 a/0 9 ,&/e,,o, , , I 17 . / i } 1 ' 1 I h i P i 1 iV EI M 4 1 I s i i f I% 08/09/2010 14:47 7175910183 HAA #5222 0.001/001 ea *�-. 4S1 Condi C•n Report: 193982 tcyjelj‘ 07_ ra Page I of 2 el -."$A COND_L77ONREWART ` Stock 193982 Date:06/28/2010 12:10 pm Seller:Navy Federal Credit Union#N9120 g Loeafio, dwrimiatiit Phonellla:[:(800)336-37671(703)206-4106 yr, • Y.r Mike Medal rriP+ Doors VIN 2002 1 VOLVO C70 BSE CONVERTIBLE I 2 I. YV1NC56D723030818 Xi Drina I Fat Color DA Color rnt Material ro r FLic.Flat. State il of Japan R front Sll, GY Leather 0 a • , afar Eagle 1raagabachua Sand Roof Airbapa 04 86660 I 1 igital 1 Actual 15 Cyl.2`I Auto I w/CD&1 ape J Cony. Dual a Option:Heat-• Scats,Memory Scala,Alloy Wheels,Power Locks,Antilook Brake Equipment:Power Sheering, 4 System,Igniti•' Keys,PowerMirrors,Sparc Tire,Cd/cesseuc,Bucket Seats:Front, Power Brakes,Air Conditioner. Owners Mani . in Interior:Pow Scala,Power Windows,Cruise Control,Tilt Wheel = , Noti flex• i n Driveable: Yes -k-"". x, ��" � Cr al: 06/25/2010 'Visual Frame Damage: Na Via i it 06/28/2010,Tb General Condition: Average " '• ,; ,,, i 06/28/2010,Tb Tires: raft • Right -wr Mechani i , 06/28/2010,Tb Ir NEEDS RE WEEDS E »„ r e CKw rs Tb * n artAVERAGE ;AVERAGE. CIS Comple d: 06/28/2010,Tb spare I .. Announce= i tai Notes: ■,apdxicoDUe • •itlonDeuriptioa Approval Repaired alatarlat Labor Labor NW Faint Sable • Pictialale Hours &limats Hours Essonts Fstimsta ront Bumper Scratches . , 'ro // II 0.00 0.00 0.00 0.00 0.00 200.00 r• •.. tootyll . 10 'f Side Tire Needs Replaced // . // 0.00 0.00 0,00 0.00 0.00 I00.00 t ie On,g) . 40 I f Side Door Scratches // // 0.00 0.00 0.00 0.00 0.00 ]00.00 t :... .Only) _ . . 10 I r Side Qtr Panel Scretehcs // // 0.00 0.00 0.00 0.00 0.00 100.00 ar Bumper Mtple Scratches // // 0.00 0.00 0.00 0.00 • , • , , only 0.00 200.00 ,110 : Siete Tire Needs Replaced // I I 0.00 0.00 0.00 0.00 0.00 100.00 I atmmata•• I • , •a to Side Fender // II 0.00 0.00 0.00 0.00 0.00 300.00 • •. .. 'Io ti tieriar Overall COndltn Hvy W // I/ 0.00 0.00 0.00 0.00 0.00 300.00 ro I teriar Bag Light On // i/ 0.00 0.00 0.00 0.00 0.00 300.00 • MI " Total PAtitnat+e: $0.00 Hr.0.00 $0.00 11r:0.00 $0.00 $1700.00 Grand Total: $1700.00 .. o at! ! yr1.tio n • lun4an • a• -/2010 11 •dreia Charge 90,4 _ .i to I i'_ •.•.'onittg 95.0 Total,Charges: $185. file:/A1 192.168.10210\asi1CReportv\Out1000193982.ht1n 6/28/2010 I i r t • 1 f as o No. 0801212823 NAVY® P,O,Box 3600 Check Date:6129110 • FEDERAL Merrifield,VA 22119-3600 Credit Union (703)206-2480 i �▪ VIRGINIA DIVISION OFhI00IQR,VEHICLES _ _ ...._ _�__ __ (788 ) Q I I Description Invoice Date Enc Gross Amount Discount Amount Net Amount Paid i Invoice nvovsou.iooiibiioo TITLE 030816/SM.-1032 06/28/10 $10.00 $0.00 $10.00, Ma A ii r I I t I , Og l IC 4 • a . al a : 4pk--) , 0 ,,,,,,,, 1 { { I Detach et Perforation Before Depositing Check TOTALS: $10.00 $0.00 $10.00° Page 1 of 1 THE FACE OF THIS DOCUMENT HAS A COLORED BACKGROUND ON WHITE PAPER.A VOID PANTOGRAPH AND MICROPRINTING. NAVY 0 Navy Federal Credit Union °R ,_; `-'i „ r'NumberP.O..BoX 3600 FEDFED AL Merrifield,VA 22119-3600 • 06/29/2010 801212823 Credit Union (703)206-2480 68-7497/2560 7"--' AY 7e# a..rd 0011x Dote u k $"*••«•1:0.00 TO7HE VIRGINIA DIVISION OF MOTOR ORDER VEHICLES OF (7885) - eAl!1 __ 0 0// 3‘"? - 0 ! 11'080 1 2 1 28 2 311' 1: 2560 ?49 ?41: 280944 n'00 2 , 1 P tI • • ! • 1 „ . 'C', � ; ; A 1'4'P'''''''. STATE OF NORTH CAROLINA k ' r ti •.�.•,'_ - � u `..-s"" : -''a ;Ab•d:'-'% f..-'sue,ors*`=V._-:'..0rs":'..+r.f.-w...,:.,rr._::--A.,�-=--'+�vri:.r.+..,N- ,. _ ..... ...: ._ ._. ..i•. w,. =,�\ ' • •r MVR 191(Rev 0510•) E ,".1 LL- =CER1'.JFLCATE OF TITLE VEHICLE:]DENTIFICATIONNUMBER_ YEAR MODEL;.. • Al MO BODY STYLE 1 . YV1NC56D72J.030.81'8 — 2002 VOLV CN i '';Y °`�I TITLE NUMBER TITL:E ISSUB'DATE PREVIOUS TITLE NUMBER �� .l" 779183091835145 = --- . 07/08/2009 7750.34061399150 .'' IrtrilIti1tllsilihr tsrli`1r 1slr rttIlIIu1I1li1Et[rrlYIsi1Iii1C' ODOMETER READING JJ I s- `+fi t NAVY FEDERAL CREDIT UNION —•` 055579'. - i t PO BOX 25109. �•^ tt ry ODOMETER STATUS LEHIGH VALLEY PA 1;8002-5109 - _ I I TITLE BRANDS :'`;'` . OWNER(S).NAME AND ADDRESS . L -_,..,.-1:'[.' SHAWNA MARIE WHEELER '2 1, N.., 2260 HINES FARM RD i' . �. JACKSONVILLE NC 28540-.8878 Y l' 111111I1I1111I11111I111111LIIIIU lU1IIII1INIIlf111II III IIIIII ,_ The'Commissiober of Motor•Vehicles of the State of North Carolina hereby certifies that an application for a certificate of dire for.the`herein described vehicle �" 0:<1 has been filed pursuant to the General Statutes of North Carolina and based on that application,the Division of MbtoF Vehicles is satisfied that the applicant I '-"j t. is the lawful owner.Official records of the Division of Motor Vehicles reflect vehicle is subject to the liens,if any,herein enumerated at the date of issuance of this certificate. 1" `_ 3 As WITNESS,his hand and seal•of this.DivIsion.of the day and year appearing in this certificate as the title`issue date, ,j ,1 r =,*;- CO MiSSIO R••O MOTOR HICLES ;.s eC FIRST LIENHOLDER DATE OF LIEN 07/02/2009 �' ]]7 ;: , NAVY FEDERAL CREDIT UNION LIEN RELEASED BY; i ` ';. , ,.'', §! PO BOX 25109 SIGNATURE. Q T LEHIGH VALLEY FA 18003-9987 TITLE DA E ' M ' Y1 • ^ SECOND LIENHOLDER: DATE OF LIEN• Y LIi RELIED BY: •I ,.. P. SIGNA'T'URE 1 TIT E DATF v hi I THIRD LIENHOLDER; DATE Of LIES 8 �▪ ,!, LIEN RELEASED BY::• SIGNATURE ., TITLE DATE �r:' ' , `- 4 FOURTH LIENHOLDER: DATE.OF,LIEN i ' , .' ' 4TEN RELEASED:BY: . 1(, S�hONATURE }� . i ADDITIONAL LIENS: • - 130667421 145 T1C1451 -- At— — R,% ;.,e'r. '"g'_4.:,r+PG:�ka�-" y e -" ..›e'p, -CPC s F�. . .• as!ti te �t �+ i • h • 1 t 0 MVR-3(Rev.VON North Carolina Department of Transportation 3 DIVISION OF MOTOR VEHICLES 0 1011M-4.1\' d ,C:,, -� CERTIFICATION OF REPOSSESSION v. 1 This is to certify that the undersigned has repossessed the motor vehicle described because of the failure e of the former owner to meet his obligation In the matter of settlement of the lien described on the face of the '^ attached certificate of title. No suit is now pending in court concerning this repossession. I/we hereby war- rant title to this described vehicle to be free from all indebtedness and agree to defend it against all claims. NAME Of W DEFAULTING D OWNER ,..)41Ar..669.40..... )9.-kaeja../. Zi...)-Xezig/ej STREET ADDRESS(NU ER AND STREET R R.F.D.AND BOX U ER) it ADDRESS of �/ 'A�� DEFAULTING 8 of /4a I a �� COUNTY 111 of UEN DATE OF REPOSSESSION ' STATE ISSUED : o 10faoo9 0� I '/ 2 I2Z Ag O SECURITY NAME OF SECURED PARTY INTEREST NAVY FEDERAL CREDIT UNION ADDRESS OF SECURED PAR0 FOLLIN LANE VIENNA,VA 22180-4992 BoD SERIES /ODEI n 9.4e)C _ gO/(/0 TIME NUMBER 9779/ 009/8,367.4 �+ _ Y/IVde6-10Z tl , ?O8/U Current Odometer Reading =/Mayas" • North Carolina General Statute 20-77(a) provides that whenever the title or interest of an owner in or to a vehicle shall pass to another by operation of law, as upon order in bankruptcy, execution sale, reposses- sion upon default in performing the terms of a lease or executory sales contract, or otherwise than by vol- untary transfer,the transferee shall secure a new certificate of title upon proper application,payment of the fees provided by law, and presentation of the last certificate of title, if available, and such instruments or documents of authority or certified copies thereof as may be sufficient or required by law to evidence or effect a transfer of interest in or to chattels in such cases. NAVY FEDERAL CREDIT UNION i ..„1 ,„, ., . , - BY: M-- O7._ / / - _./ ..,s,se,s.c/arz... _,• / -. , A "-'J iii.i'.7d -73.13• —r 9,a___,../ Date: County: • State: I certify that the following person(s)personally appeared before me this day,each acknowledging to me that he or she voluntarily si 7; a foregoing document t,r the purpose stated therein and in the capacity indicated: .. A iv A. X J , (name(s)of principal(s). %JAIL 7...►- , t:• ) -I ZKAREN COMPNER / Prinne .,� -. Public, . ., .; 6---- 239207 4 My Commission : r 30, 2012 My commission expires: i - k i 1 r i • i I • . f� a t r t WI tot 0 \'SA 98(G7/0112009) /7 f REPOSSESSION 'tifEHicLE a� ►�wl:� ;s*il,P ;x= TITLED OUT-OF-STATE N 00 p purpose: A tenrsolder or lienholder's authorized agent uses this form to apply for a Virginia repossession title(in the *' 11ei lho,oer's name)for a repossessed vehicle that was titled in another state, pie instructions, t.lenholders must complete all sections of this form, Use the State of Title/Requirements table on the back of PI this form to indicate the state in which the vehicle is titled and to identify all of the required documents that must be submitted with this application. Present the completed application,along with the Application for a Certificate of Title and Registration (VSA 17A), and required documents to any DMV Customer Service C Center. at '04;.: . CURRENT LIENHOLDER INFORMATION LIENHOLDER NAME FEINIDMV CUSTOMER NUMBER *Jew>==r,F1?AI rc,pro—. p,1y1(r,FEDERAL CREDIT UNION 43 n1•lams nra 3/W4'705---00.) SII MAILMIGADDRESS CITY STATE ZIP CODE a 82 FOLLIN LANE a AnGti�ta vA ; LIE.4OLDER CODE Ar\1A 22180 DATE OF LIEN(mmlddyyyy) A � VEHICLE INFORMATION 1 LE(DENT FICATI•N UMBER(VIN) TITLE NUMBER TE PLATE NUMBER A —. ,I , )3/. It' - :30- ,'3.5`/7/`'" 'I a E MAK MODEL YFr A)� 80D :F WEIGHT � .. . SUPPLEMENTAL UEN INFORMATION LIENHOLDER NAME LIENHOLDER CODE DATE OF LIEN(mrtJddlyyyy) MAILING ADDRE SSA•*.M...-Y Cm, STATE 'ZIP CODE LIENHOLDER NAME LIENHOLDER CODE DATE OF LIEN(mm/ddryyyy) MAILING ADDRESS CITY STATE ZIP CODE ;,. � CERTIFICATION Any willful misinformation given with fraudulent intent may be punishable as provided by law. I hereby certify and affirm under penalty of perjury that the information contained in this application,both front and back,is true and correct to the best of my knowledge;that this vehicle is in my possession with the intent of offering it for safe in Virginia:and that I have met the requirements of all statutes in the State of Title for this motor vehicle,including the requirements indicated for that state in the State of Title/Requirements section of this form.I understand It is unlawful to knowingly make a false statementand any violation may be prosecuted as a felony as provided in Virginia law, LUENHOL• - q ,�,nnq ram:, ?/ . /.., j NAVY FED►€fiAi. t:�ttrOIT WIN , r •.; r=� HOLDER s! /`/ // Y'� RF/0.6.7.) /7 )� _,•r It�(1TE m�Nddl y�.uor __ 'se Pa.e 2 for State of Title/ quirements 7 DMV Use.Only — SED TO DATE tnv+ Wrry) I ICATION PRESENTED IDENTIFICATION NUMBER y . k..k I N en APPLICATION FOR VSA 17A(0710112008) �'" ' �°'1 '"'` CERTIFICATE OF TITLE AND REGISTRATION X:1 r.,i Min Oo,.Y-,d NMC YMX�6A nest nd ,n•.Jllj Purpose: Use this form to apply for a title and/or to register a passenger vehicle,truck,motor home(RV),or for-hire vehicle. dInstructions: Complete this form and return to any DMV customer service center(CSC).DMV may request proof of any information provided. •+ -° - - - . *ACQUISITION%TYPE'(cheekliILthat:apply). .. - .. -• 1 Abandoned Vehicle(Complete VSA 40) DCoun Order 0 Leased 0 Replica ['Mechanic's Lien/Storage Lien(Complete VSA 41) ew B Original Title is Electronic(No paper attached) 0 Replevin 0Rental [3 Reconstructed ®Repossession(vehicle must be in your possession) • 2 ❑Seizure 0 Specially Constructed *: `::. : +rte IVIIER lNFORMi4TION: _ "` ',.. O al Application Type:.Check one(If applcable): ®Title OTille and Registration(license plates issued) Z NO PAPER TITLE-Check this box❑ if you do not want a paper title issued to you, An electronic Certificate of Title will remain on file fortis vehicle at DMV. C R If this application is for joint ownership,do you wish clear rights of ownership to be transferred to the surviving owner in the event of the death of either the K 0 owner or co-owner? fYes ®ND m OWNER'S FULL LEGAL NAME (last) (first) (ml) (suffix) SO SCIAL E NUMBER/FEIN 70 it NAVY FEDERAL CREDIT UNION • CO.OWNER'S FULL LEGAL NAME (last) (first) (mi) (suffix) SOCIAL SECURITY NUMBERlFE1N eIf you change your residence/home or mailing address to a non-Virginia address,your driver's license and/or photo identification(ID)card may be canceled. RESIDENCE)HOMEADDRESS(Apt.*if applicable) CITY STATE ZIP CODE 520 FOLUN LANE,SE • VIENNA VA 22180 0 MAIIUNG ADDRESS(if different from above)OPTIONAL CITY s fAl le ZIP CODE CD OWNER'S RESIDENCE ADDRESS(if different from above) CITY Sigte ZifsCUDE ir Are any of the vehicle owners on active military duty or service? fl YES IA NO • RESIDENCE JURISDICTION CATION WHERE VEHI LEIS PRINCIPALLY GARAGED: art COUNTY TOWN OF FAIRFAX :.1?,4: Is there a lien on this vehicle? II Yes E No It yes,you must complete this section. DATE OF FIRST UEN(mm/dd/yyyy) LIENHOLDER NAME LIENHOLDER CODE LIENHOLDER MAILING ADDRESS CITY OR TOWN STATE ZIP CODE DATE OF SECOND LIEN(mm/dreyyyy) LIENHOLDER NAME LIENHOLDER CODE 1 ENHOLDER MAILING ADDRESS CITY OR TOWN STATE ZIP CODE SOURCEf.OF'OWNERSHIR,INFORMAT.ION . . 'How was this vehicle sold to ou?(c-h•�eck one) VA DEALER LICENSE NUMBER RENTOR NUMBER 3 SED y Li NEW 0 DEMONSTRATOR ' ..-( VE -��� /F_aM IP� _A9• trim ez SALES PRICE I PROCESSING J�FEE �f - SALES AND USE TAX -I-f- /A99 r! �� 'A%QTY/V � �� 1 C_ EEAl�� jl/ tICLEE'IINFORMATIIOON�j Q co • YOC��p� MA �/ Y D MO[j �D PREV�!�� Ur=XJ/�� 7`�`�V -� BODY TYPE jNuMBF�, OF AXLES(•FFUE TYPE EMPTYM1 Mich,/ GROSS WEIGHT GVWR. GCWR• •VEHICLE COLOR y^'_ , ,1 , / IS THIS A LOW SPEED VEHICLE? IS THIS A LOGGING VEHICLE?• PRIMARY SECONDARY OYES ®NO D YES a NO VEHICLE IDENTIFICATION NUMBER \ A / '+-."11 ,'/ . • IS VEHICLE STATE OR LOCALITY-0 • D? If yes•enter agency code Name of Unit having operational control • OYES p NO I • _...••r •PRIVACY NOTICE *tx• I The lnfamaden.including Social Security Number,is requested in accordance with Virginia Code g§46,2.623 and 46.2.629. My person who refuses to supply the required Irdonaalion wig be denied a Certificate of Tills and/or registration,Tides and registration records may be disseminated,in accordance with§§46.2-20B through 46.2-214,to business,taw enforcement or authorised government entities. — ly. - PERSOIW&iP DPER7Y TAX`RELIEF ELIGIBILITY(Peenerrgar vahlries:OUf ) Does your vehicle quality for car tax relief? If you can answer YES to any of the fotowing questions,your motor vehicle is considered by State law to have a business use and does NOT qualify for Personal Property Tax Relief. 1. Is more than 50%of the vehicle's'annual mileage used as a business expense for federal income tax purposes OR reimbursed by an employer? i 2, Is more than 50%of the depreciation associated with the vehicle deducted as a business expense for federal income tax purposes? 3. Is the cosi of the vehicle expensed pursuant to Section 179 of the Internal Revenue Service Code? • 4 If the vehicle is leased by an individual,:does the leasing company pay the tax without reimbursement from the individual? i This vehicle is for 0 Personal Use ©Business Use(See business use criteria above.)e 161 l i ` M A VSA 17A(07101/20085 Page 2 - `� ODOM rER.STATEMEW1 f ODOMETER R R 0 to to )/0 i Ftdsral and al=ts taws reties man you safe the outage m connection win the omelet*or o mercMp.FsAUrs to=mete me ( l(f/ { cwtemsnt or providing a tsetse statement may mutt t to foes senalot t mpawnmaM. 0 '-1 certify b the best of m knowtedge that the odometer reading is the actual mileage of the vehicle unless one of the following statements is checked: The mileage stated is in excess of its.mechanical limits. ❑The odometer reading is not the actual mileage.(WARNING:Odometer discrepancy.) 0 Tate model year is at least 10 years or older than.the current calendar year and was exempt from odometer disclosure in the prior state of title. a ❑(Applicant must present the out•of-state title showing the exemption) l w REGISTRATIONIVFORNIATION • mil REGISTRATION PERIOD(check one): U ONE-YEAR U TWO-YEAR(32 discount applies) X .REGISTRATION TYPE(check one:) ❑PRIVATE U RENTAL UVOLUNTEER EMERGENCY VEHICLE U FOR HIRE FOR-HIRE VEHICLE USE(check all that apply) ❑Interstate Operations Only(Less than 26,001 Ibs) ❑Exempt Commodity Operations I ❑Operating Authority ❑Leased to a Motor Carrier , '. �i If you checked Operating Authority or Leased to a Motor Carrier,check all 01 the following for which the vehicle is used: ❑Canter Passengers(Regular Routes) ❑Carrier Passengers(Irregular Routes ❑ ❑ ❑ Y 9 ( ) ( 9 ) Non-Profit/Tax-Exempt Employee Hauler Taxicab X Daunt Property Camer❑Contract Bus Carrier f Contract Passenger Carrier Sight-Seeing Carrier ❑Household Goods Carrier ❑Property Carrier 4 r:'.'ii"--y_- - TYPE OF'Pl:k'PE'REQUEIITED::- . .• `,<•,'e:i.,..,..: --., "' _w_ € (TRANSFER PLATE NUMBER PERMANENT PLATES-maybe issued to trailers(except travel trailers),serni- trailers;trucksltractor trucks with a GVVVR or GCWR of more than 26,000 Ibs; ;na (cited.one): taxis;.common carrier fix-hire vehicles;truck/tractor trucks with GVWR or ❑STANDARD(Blue and While) GCWR of 7.501 lbs to 26.000 lbs.if used for business only or farming, TRAILER PERMANENT-one-time fee(check one): SSCENIC; D MOUNTAIN n❑HERITAGE(DOG WOUOD/CARDINAL) ❑ Regular ❑Salt Size lPlate(Gross weight of trailer must be 4,000 lbs or less.) ANTIQUE;(Not for General Transportation Use-VSA 1DB certification FOR HIRE PASSENGER PERMANENT(check one): required) ❑BLACK AND WHITE❑ANTIQUE YELLOW ❑VINTAGE DE ❑ ❑ E Pemtartent Plate Passenger Permanent Great Seal Permanent ❑VINTAGE (General Transportation Use) ❑Mountain to Seashore Permanent Plate iiikiaf,:i",. . - . . ... . - 4...:e.,•,, - 1:EASED:VEHIC1 E INFO(MkT1ON' -•.. Do you wish to have the vehicle renewal card mailed to the lessee? YES 0 If yes,provide the information requested below. LESSEE'S FULL LEGAL NAME(last) (first) (ml) (suffix) CO-LESSEE'S FULL LEGAL NAME(last) (first) (mi) (suttnk) Sire ADDRESS(APT if.IF APPLICABLE) 'CITY •STATE ZIP CODE .7...i.,•:!, . , POWERr;OF.nAT7T.ORNEY FOR.NON-RESIDENT(S):.AND CORPORAIION(S)`NOT DOMIClEEDi1NIMIRGINtA): • Pursuant to the provisoes of Virginia Code i){6.2-ri01,lbw appoint the Commissioner of the Department of Motor Vehicles of the Cem.onweaeh of Virginia,to be mylour tare and legal ' agent upon whom all legal processes against ma/us may be served in any legal proceeding arising from the operation andlor use of any molar vehicle registered In mylour name(s)in the' commonwealth or Virginia.Uwe agree that any lawful process or notice to mrdus which is served on the Commissioner shall have the same legal effect as if served on me/us within the Commonwealth of Virginia. . L6'S•'•t�+i4tt..47..7 ':-:- .- 1NSURANCECERTIEICA1ION• • :•" . tartly that(check one). This vehicle is insured by a liability policy issued through an insurance company licensed to do business in Virginia and It will remain insured while registered. This vehicle is not atsuredt therefore.t am remitting the spplxable uninsured motor vehicle fee,(This fee provides no Insurance coverage.)A vehicle must be insured with liability tovarage when it Is registered,and It must remain insured while registered,whether or not II rs operated,or the uninsured motor vehicle fee must be paid.Penalties are severe for violation of this requirement ,-.4-?:-M-;•.' r . CERTIFICATION i I cattily recd-. • natty .erpay that the. • .••canter •In this appkalion is hue and correct to the best of my knowledge.I understand it is•unlawful to knowingly make a false - ent •ally violation may In roseate• s■ .. as provided in Virginia law. SI TUS • PPLICANT ' / / i )r • DAkmm •-ddlyyyy) a 0 SIGNA I'T'OF CO-APPLI 'NT IDA• (m d• • :-,-,.1.. _!4+•{' - .,.gylw•%3:. M'4.4.t,w,J.., ,�Yi USE ONLY- .... " ' .. . • .I' • ..... :.-w 1 1yyAf9K•� .J,N�e.T2•-•in"-1C2 j leet;}�:C,( .. .. 'a)presented)•• y .:5 .✓.m• ..O�St .,.!,4:,.---.:i.,.;-.') '15- 'I.a + :" .. ' ..� . -. • F. - .. C -a 'PI AT? t"a•'ERIRATIDN DATE ° _ iF.lELDMEASON: - r' ti c '''�� .-F5'�,y 5 _ i ��'���•°:..es..._ w. -- ion.. _-.:•,.::;..... • .. , ^ 3:tYrns N .ir�Y4i.;}. .�r����y.. 1F�a+ y} , . C M ?RICE- FBA! _ - r. " -: • • L, .. •s... t. A -• ',7:J.. . `, ~ '. U7CR Y• $ s+. •0::,0YiF.... ':: y `. t F117 .'Sri.4.,w•...W, Y 41-27*%' .. -. i. yR":•• '11/1;T'.#4074:2¢ ..af''.44..; •: •• , , a �=79 r• F.77.. ,7 -“ te TAX ;.4, ! ••,,'o,+ Ni4rr stn ' s r.c.Fr -,...E.--Lie” Kid. _7DEAUER..: -..,44,..r:- _..;:.. •4:'a;; i-"1 tTLE'FEE $ - 5' IATPLATESEE-.•4 S17RCHARGE' :,-•..4..• 1 1 P fRCHASER'S STATEMENT OF TAX EXEMPTION SST 3`° z �°°9' I4 it, .tern 1M Vnymia Doparin,t'n1 e•410101 Vangtes 0 Post°I•ce 9o.274:2 e n R th c of Vnpima?320ft 0004 W Purpose: Use this form to certify that a motor vehicle is exempt from Virginia Motor Vehicles Sales and Use Tax. Instructions: The applicant must complete all sections of this form. Return the completed form to the Titles and 0 Registration Work Center at the address above. iii • VEHICLE INFORMATION a OWNER NAME past) (first) (mil ( ) a NAVY FEDERAL CREDIT UNION ill a VEHiC .VEHICLE ry ,,fr� VEHICLE MODBL/k �y j� VEHICLE IDENTIFICATION NUMBER a8m/t• NI „$ STATEMENT'OF OPTION' . 8 In order to obtain a title for the vehicle herein described, in accordance with all applicable statutes and administrative rules and BS regulations adopted by the Commissioner in pursuance thereof I/we do hereby certify that the above described motor vehicle is O exempt from the Virginia Motor Vehicle Sales and Use Tax for the following reasons: f. as provided b statute§ (insert applicable paragraph number from page 2) �Code of Virginia. SIGNATURE • APPLICANT NAME Bait) (first) (ns) (suffix) NAVY E.416497 CREDIT UNt O APP GNATURE � •(/ , f s DAT ••tyy, 1 �,'� _ _���/ �, - ,�_-J�/ ' t '- - 9 d .NA —.i3=' OR COUN STA• CITY ©COUN FAIRFAX VIRGINIA NOTARIZATION(must be completed by notary piddle) ' l NOTARY PUBLIC SEAL (If required) Commonwealth of Virginia..tit or county of subscribed and sworn befure me on this day of (MONTH! I YEAR' # KAREt. COMPHER y -)•t Notary Pubilo by !./7nL f/ f TA-h--. In the city or county and stale afores: Commonwealth bl Virginia REGISTRATION NUMBER(6 digits) MY COMMISSION EXPIRES(mmlddlyyyy) 239207 9 a Commission Expires Apr 30, 2012 ' AN NOT Y Y UA J BLLIIC NAM. — IV ' V PUBLIC SI AT RE ANY WILLFULL MISIN ORMATION GIVEN WIT FRAUDULENT I ENT MAY BE PUNISHABLE AS PROVIDED BY LAW. • PROMISSORY NOTE,SECURITY AGREEMENT AND DISCLOSURE 0" Nikify 0 THIS CAREDROILLM.ETNRT E RINE C LAlAE EAS D DAI PROMISSORY 16 NOTE,A O SNEDCRUIROINTS Y OHM EMBAIN8D E ASSE U YHintRH tD E aWfGRDBS8TfSOUSERE.T ERPIFMJSS IN TAD EiVNETiRNY3 A FEDERAL w Ip FODN" sEE"ER, c3 mERgi NC"mer� S F A IN E INECESS EER 1 ER C DAD I E7:CANYOSACENS. CseUiCOMPLETE SIGNATURES WHERE INDICATED BE OW.t non p PALN 20091551804171 g0 Borrowers Name and Address DATE: Q 06/10/09 Cr 'f" SHAWNA N WHEELER i 2260 HINES FARM RD LOAN NOimma.21-02 IN JACKSONVILLE NC 28540-8878 , I �Iflili� l � LUIII o A la a PURPOSE OF LOAN .CHECK DRAFY-OFFICE USE ONLY p USED VEHICLE 0201405686 MOUNT FINANCED ® $ TWELVE THOUSAND TWO HUNDRED FORTY-NINE--00/100 Iti p _ • . • _ .... ..oc�q=1 • Mems C! . . • �_.-•.-{ , t�_.0 .00 .{. Q .00 „ , ® $ 12,249.00 p 0 012,249.00 TRUTH-IN-LENDING DISCLOSURE 10 I ANNUAL PERCENTAGE RATE 12.000 % FINANCE CHARGE 6 $ 4,137.64 The cost of your credit as a yearly rate. The dollar amount the credit will cost you. AFAOUNTFINANCED© A 12,249.00 TOTAL OFPAYMF_N15 CO 0 17,538.60 The amount of credit provided to you on your behalf. The amount youwiti have paid afteryou have made all payments as Your PAYMENT SCHEDULE will be: row' NUMBER OF PAYMENTS AMOUNT OF PAYMENTS WHEN PAYMENTS ARE DUE ® 60 ® 0 292.31 Monthly,beginning 07/17/09 SECURITY:You are pledging a security interest In the collateral described below: ' MAKE and YEAR Collateral Description Serial Number • © 02 VOLVO ® 4 DOOR 4 CI 2a3 /f 6 OTHER:Shares and dhtdends In accordance with Section 107(11)of the Federal Credit Union Mt PREPAYMENT:If you lay elf may,you nil not haw to paya pasty. LAZE PA MENT:v n amount due la Ihet by the payment dam,you me/be dto pay�'y Federal a tale dwpe equal to$20.Nay Federal may she puss the late See the Promissory Note and Seaeay Agreement balowierinkomeeon conceming nonpayment end deed'. PAYMENT PROTECTION PLAN FEEOO 1,151.96 p p The total amount of fees you will pay R optional Payment Protection 0 Op PwNAhaTorh 0 BDhebtlny ® ufe, '� 0 Decked Plan was selected. LiIO(so72perd100 g0.134 Wier kwokmtary sot of loan bahnoe of loan betana 50.272 per 0100 of ben GUARANTEED ASSET PROTECTON FEE-$240 per month h per month balance torment X .Y - -- , 'The tdial ettakuttof fees you will payiroptIonal Guaranteed Asset _� Protection— .Q Pmieatlon 0 Not EUgible Protection was selected. Selected Declined I understand that I can cancel either Payment Protection Plan or Guaranteed Asset Protection at May time by contacting Navy Federal Credit Union. PROMISSORY NOTE AND SECURITY AGREEMENT The folowi rg consumer protection notice I.required by the Federal Trade Commissions Any holder of this consumer credit contract Is subject to all claims and defenses which the debtor could assert against the seller of goods or services obtained pursuant hereto or with the proceeds hereof.Recovery hereunder by the debtor z shall not exceed amounts paid by the debtor. i The undersigned(*Borrower)jointly and severally,waiving rights of demand and notice,hereby premise to pay to the order of NFCU the amount shown to block I 12 of the Tmth�dtng Disclosure above,with interest an the unpaid balance et the ANNUAL PERCENTAGE RATE shown in block 10,to itnstallments as shown in r the payment schedule.Interest Is charged on a daily bawls horn the date of the Promissory Nob.ANNUAL PERCENTAGE RATE does not reflect the(glacial deposits , required to secure this loan. • • . Borrower acknowledges receipt of a completed copy of this Instrument and dfscloetse statement prior to consummation of the ban.This agreement is entered into and shalt Borroower by notlf aby ga�tive credit reepportiefe reflecting o Bon weir's�titieccoord may be submitted to credit reporting j the terms of Borrower's credit obiigations Porting ayendes R Borrower falls to futill I CERTIFY that application all r information purpose byre true Federal can fete.is Ana 014 TIRe 113 US Code makes it a Federal crime to knowingly make a false statement or roport in the ISMER Ear [ T l 0,4Q! !Seat l -SH WNA NSW EELER if Guaranteed Asset request that protection end to t et In AgreemeMa d Madame. COSIGNER 1G 8 W Cosigner, err and understand the prarleiorn o the a Nola to Cas by s signing thle Interest In In as the collateral a Med to�0eesecurity aagreeemeeoniy.tt aim o OWNER THAN COLLATERAL ear OIIROOW (swan not bound to repay the icon. NFCU 23L(5-0 8) NOTICE:See otter side for adatlonet daoloteree endieau ty Agreement aci NAVY FEDERAL® Credit Union In reply refer to es" 4106245 29 June 2010 Voi Ms, Shawna M.Wheeler 306 3rd St p Enola,PA 17025-3122 I a RE: Notice of Our Plan to Sell Property Navy Federal Loan Number: 111111111.2102 Dear Ms. Wheeler: Please be advised that we have repossessed the 2002 Volvo,the collateral,which was serving as partial collateral on your loan referenced above because you defaulted on the terms of your agreement. We will sell the 2002 Volvo at a private sale sometime after 15 days from the date of this letter. A sale may include a lease or license. The money that we get from the sale(after paying our costs)will reduce the amount you owe, If we get less money than you owe,you will still owe Navy Federal the differences If we get more money than you owe,you will get the extra money,unless we must pay it to someone else or it is used to satisfy other financial obligations you may have with Navy Federal. You can get the collateral back at any time before we sell it by paying us the full amount you owe(not just the past due payments)which is equal to$12,449.88,plus our expenses, To learn the exact amount you must pay,call us at 1-800-336-3767 and ask to speak with S.Matthews at extension 48191. You may call between the hours of 8:00 a.m. and 4:30 p.m.,Eastern time,Monday through Friday. If you want us to explain to you in writing how we have figured the amount that you owe us,you may call us at 1-800-336-3767 and ask to speak with S.Matthews at extension 48191 or write us at P.O.Box 3100, Merrifield,VA 22119-3100 and request a written explanation. If you need more information about the sale,call us at 1-800-336-3767 and ask to speak with S.Matthews at extension 48191 or write us at P.O.Box 3100,Merrifield,VA 22119-3100, Sincerely, John L.Laughlin Manager, D1-1:hd Repossessions and Vehicle Dispositions Enclosures: Voucher Return Envelope PO Box 3000 Merrifield VA 22119-3000 a i a Co5S1� 1 (Richard And Associates Inc. 1 Invoice Number 3999 Spring Road NFCU-10-9 Shermans Dale,PA.17090 Invoice Date Phone: 7172415884 06/24/2010 Fax: 7172416255 Case Number 2017949943 i .___ I r 1 Attn: Accounts Payable Debtor: WHEELER, SHAWNA Navy Federal Credit Collateral: 2002 VOLVO C70 14 iR 820 Follin Lane V.I.N.: YV1NC56D72J030818 �Vienna,VA 22180 1 S.S.N.: xxx-xx-6164 Phone: 800-336-3767 N Fax: 703-206-4106 iAccount# 1024 _ E Date Service QTY Rate Subtotal 06/24/2010 Repossession Fee Area 2 1 $425.00 $425.00 Tax ID#: Total Due Upon Reciept: $425.00 Page 11/21 al Invoice for 2017949943 Page 1 of 1 es Richard And Associates Inc. Invoice Number NTCU-1 O-9 3999 Spring Road Invoice Date:06/24/2010 a Shermans Dale PA 17090 Case Number: a Comp Ref#: 286 Phone: 7172415884 + • Fax: 7172416255 ATTN: Accounts Payable Debtor: SHAWNA WHEELER Navy Federal Credit Union Collateral: 2002 VOLVO C70 820 Follin Lane Vienna VA 22180 V.I.N.: YV1NC56D721030818 Phone: 800-336-3767 S.S.N.: xxx-xx-6164 Fax: 703-206-4106 • Account#: 1021111 a r Date Service QTY Rate Subtotal r 06/24/2010 Repossession Fee Area 2 1 $425,00 $425 Navy Federal Credit Union Account Information • Sales Tax: $0.00 Tax ID#: Total Due Upon Reciept: $425.00 1 https://www.recoverydatabase.net/toplevel_cli HTML.php?invoice ID..< 6/24/2010 at Page lof1 Richard And Associates Inc._Car Condition Report q 3999 Spring Road Shermans DaIe,PA 17090 d Phone: (717) 241-5884 Fax:(717) 241-6255 1 Client: Navy Federal Credit Union Case#: 201.7949943 l Recovery Date: 2010-06-24 Account#: 10211 ATTN: q Police Agency: Cumberland County Comm..Center Borrower: AWNA WHEELER *" Order Type: Involuntary i Recovery Location: 306 3RD ST ENOLA PA 17025 $ Personals: No a • Collateral(Stored At: Harrisburg Auto Auction 1100 South York Street Mechanicsburg PA 17055) X Year: 2002 Make: VOLVO Model: C70 Color: Silver a IR VIN#: YV1NC56D72J030818 Mileage: 86,660 License/St: YVP-7959/ Expires: General General Condition Mechanical Condition Interior Condition a DI Average Average Dirty a Notes: O _* Ignition Keys Yes Secondary Keys N/a Battery Good g Options Type Of Vehicle Roof Transmission Stereo 2dr Car Convertible Automatic Am/fm/cd/tape INI Power Windows ❑Power Locks ❑Tilt Wheel r2 NC ❑Power Seats ❑Power Steering 0 Cruise Control ❑Diesel ❑Leather Seats ❑Alloy Wheels ❑Rear NC Details: Condition Body Paint Able To Drive Average Average Yes Driver's Side Front Quarter Panel Front Door Rear Door Rear Quarter Panel Scratch Scratch Scratch Scratch Passenger's Side Front Quarter Panel Front Door Rear Door Rear Quarter Panel Collision Damage Scratch Scratch Scratch T Hood Roof Trunk Hatchback Rock Chipped Good Average N/a Bumper Front Rear Rock Chipped Scratch Glass Good Tires Lft Fri Left Rear Right Front Right Rear Spare Wheel Covers Average Average Average Average Good 4 Completed By: Nicole G Received By: Date: 06/24/2010 Received On: https:I/www.recoveiydatabase.net/top_level clients/new cr/view cr,php?id=2017949943... 6/24/2010 c°w Repossession Order for SHAWNA WHEELER-2017949943 Page 1 of 1 Richard And Associates Inc. 3999 Spring Road Shermans Dale, PA X717) 241-5884. FAX: (717) 241-6255 Order To Repossess N Order Date:2010-06-22 Client: Navy Federal Credit Union Case #: 2017949 Acct#f MEM 820 Follin Lane Vienna VA 22180 Phone:800-336-3767 Toll Free:800-336-3767 Fax:703-206-4106 Assigned by:Nicita Major Direct Line: 1-703-255-8412 Extension:48412 LEGAL OWNER:Navy Federal Credit Union a Borrower; SHAWNA WHEELER Cosigner: SSN:xxx-xx-6164 DOB: SSN: DOB: Borrower-Home 306 3RD ST ENOLA PA 17025 Home Phone:910 265 609 Additional Information: UPON PICK UP....PLEASE DELIVER TO HARRISBURG AUTO AUCTION,...THANKS BODY STYLE: LT A CV 2DR CONY AUTO FRONT WHEEL DRIVE ENGINE:2.4 GASOLINE FUEL 5 CYLINDER ENGINE Vehicle Information Year: 2002 Make: VOLVO Model: C70 Color: License: st: YIN: YV1NC56D72J030818 Key Codes: Additional Collateral: Payment Information: Monthly Payments:292.00 Balance On Account: 11724.00 Delinquent Since:3/17/2010 Amount Past Due: 1169.24 This account has no bankruptcy proceedings and this is your authorization to act as our agent to collect o: repossess the above mentioned collateral. We agree to indemnify and hold harmless from and against an claims, damages, losses and actions, including reasonable attorney fees,resulting from and arising out of efforts to collect and or repossess claims, except however such as may be caused by or arise out of neglig unauthorized act on the party of you, your company, its officers, employees or its agents. Authorized By:Nicita Major with Navy Federal Credit Union https://www.recoverydatabase.net/toplevel clients/cv repo_order.php?aid=2017949943 6/22/2010 -- _ - - , —1 44,....itA 017.4..)1.08,.., to....-....::c, 44.466:47.3,3 .31 '4-..,,"..\-.A N....I 0 .1-'/•••••.N-1. .1. 4.,-0,•".N...1 14.41Slif.7,1 0...1.4.1.1.1(4,14..tt.4‘;..,441. Al OVIte - 9;46111•Wti A;1 4.---:iT*Vi.4.1' 1.' 1 . 'Of'. WaTig Cg NO CAROLINA RTH O v't VA•Cli.:„'-- -.-A4V2p,..:4,-te....... 4 i!..3? •5..)%'7%.r,b., V,IN_ob. .Zi.4,,,..iis,„..sz\,.....i., • . .... ,. _ _,.c."4:,.. .,,..c,"„•...,., _ _ , .., -,=-, a .....■ -r x _ •.....,, .."...-...- 4.: ...... %, _:=•04.,_ N: .2..n.-...,,,..... N, _ ,.....e.e..: 11 --..,,,,.. •€., t5:7"..... 7.1 4. MYR 191(Rev 05/07) T509003928520 CERTIFICATE OF TITLE DOCID . , J...•\.,-,f J VEHICLE IDENTIFICATION NUMBER YEAR MODEL MAKE BODY STYLE i • 113' • • .." .4 YVINC56D72J0311818 „ 2092 VOLV CN = .1„ TITLE NUMBER . TITLE ISSUE DATE PREVIOUS TITLE NUMBER ( 4 3 1 ;'''■I' c t.‘f.N 779185091835145 07/08/2009 775034061399150 - i 1 IA 1,a i 1 j e.,. 1, I'4.. .01111.1.1.1.1111....111.1.111..11111113811121 1111111111116111 1111 1111 1 1 If ,,ODOMETER READING k we ! 1, ....., NAVY FEDERAL CREDIT UNION . : .q,S;. 055579 = 4),-;"' ■ ::::ffin, g PO BOX 25109 ODOMETER STATUS . g LEHIGH VALLEY PA 18002-5109 . - . :e, '• , . 3 A 0', 1 ^441 TTTLE BRANDS *I 4 ); 1 %.•x L . . /4„ 1 I 4 f,.. ) f .i• P )1 OWNER(S)NAME AND ADDRESS , .. a 1• ..`,...‘ e' . '• '''.% 1 / ,.,.kt.. !,Atit?' SHAWNA MARIE WHEELER V5ir '.• • 2260 HINES FARM RD JACKSONVILLE NC 28540.8878 ,„I , 1 .. 4/4• 1 .70.......,:; 4.. 1.....$ 1111111M1111111111111111111111111131111111HUNIE , . j The Commissioner of Motor Vehicles of the State of North Carolina hereby certifies that an application for a certificate of title for the herein described vehicle ; f has been filed pursuant to the General Statutes of North Carolina and based on that application,the Division of Motor Vehicles is satisfied that the applicant •1)t ', 1 • , , 's.-• r ,'I is the lawfbi owner.Official recolds of the Division of Motor Vehicles reflect vehicle 30 subject to the liens,if any herein enumerated at the date of issuance • ". ••ret, 1 ,,, „ • of this certificate. •r.. a 1 't 1 04, As WITNESS,his hand and seal of this Division of the day and year appearing in this certificate as the title issue date. I '• i• • 4 a iLeAstiP4446 ii.) 1 <45- ,ettp,, CO IO 0 OTOR Emus . xat . ,.$ ... .. . FIRST LIENHOLDER: DATE OF LIEN 07/02/2009 .'V' r. s, NAVY FEDERAL CREDIT UNION LIEN RELEASED BY: ' • .....1-4-., IQ','• PO DOX 25199 SIGNATURE :-00*•:*; tote-4i ...../eL4, ) LEHIGH VALLEY PA 18003-9987 ITILE . DATR . 1..„ ..,‘.. r e " • •''t r SECOND LIBNHOLDER: DATE OF LIEN Pl%il•\ 1 % LIEN RELEASED BY: /..• SIGNATURE y 11,5/,:•4,, RE .....A 4• . 4, 'ITIL,E--,- DATP : *r tt: I - • .'1 I :' "I :74.',':. TERM HOLDER: DATE OF LIEN LIEN RI3LEASED BY: I, . • I SIGNATURE ;'ccil 3.1 ' r•• .• TnLE______4.-.... Dms- 0 Viv, 1 fri' ‘ .1 • •C: ......„„ . Zi 14' • FOURTH LB3N_HOLDER: DATE OF LIEN .7.... ...., 4 . . q i LIEN RELEASED BY: 4..- ...4 i" SIGNATURE • t 4 ..::* 2r4t1c\,C TIT7/3 DATP oti'l ' PI> i .....4_r•-"..0 I.AV v- ADDITIONAL LIENS: 80667421 ty or xi .1. 145 T1C1451 L.10 ie 4 ,4"szik,-,;-_4„:;:....--,.1k /.41,.‘,., vji,‘,f-_-_,`44.,,....-- Al';'• - - t---3--_ t--- 1 ''--,. f■—•";*1-9. ,. ...•"/vs* -z-,A■1/4-4,4 4,.. -,6,....k.4,,......,.. ' ANY al,TERATIONS co ERASURES VOID ITCIUa@ :'jfra,!..),A . VIVS ..k.4-1. • 6, A, w iilkiel,!,. ..?, L•31PIWIA7 A. Al 1,-.7 ni. 1.. "...• •/IV ,,I.1 .2 '..... .....11, ......_..... "IA ..' .° •.. ..:,../ '..,,....S.... . V4!49 1. 1" 4. r r -,F i . _ AI This security agreement does not apply to shares in Individual Retirement Account or to property used as a principal dwelling,or to loans secured by property used as a principal dwelling,excceptfcr mobile homes used as a primary dwelling.if this loan is made to a trust with a Navy Federal Trust Account number,each person signing the note is jointly and severally Gable for the loan.Where the trust is revocable,we require the trustee(s)and the natural person member(s)to sign the note as the Borrower. ca NFCU AGREEMENT eel NFCU makes no charges and collects no fees,other than Interest,late fees(where applicable)and lien recording fees.They wig not charge for credit investigations,and they will not charge advance interest;therefore,no rebate is due if you prepay the loan. O NFCU pays the total cash amount(block 8)of the loan to the member or to the member's account in another financial Institution or other eti Institution designated by the member,and has no financial ties with or right of recourse against,the seller of the property which a member purchases al and finances with NFCU. 0 NFCU has applied the provisions of Regulation Z and the Standards of Fairness promulgated by Sec Nav Instructions to this loan. Payment Protection Plan is voluntary and is not required in order to obtain credit.We WI not consider whether or not you elect the program in making our credit decision.You have the right to cancel at any time for any reason.If you cancel within 60 days of enrolling in the program,we will credit the outstanding balance for any fees charged for the program.You should carefully road the Payment Protection Plan Agreement and Disclosure fora full explanation of the terms and conditions of the program.Payment Protection Plan Is not available for NAVchek Overdraft Protection/Line of Creditor leases. Guaranteed Asset Protection is voluntary and is not required in order to obtain credit We will not consider whether or not you elect the program in 0 making our credit decision.You have the right to cancel at any time for any reason.If you cancel within 60 days of enrolling In the program,we will credit the outstanding balance for any fees charged for the program.You should carefully read the Guaranteed Asset Protection Agreement and O Disclosure for a full explanation of the terms and conctions of the program.Guaranteed Asset Protection Is only available for new and used vehicles. BORROWER AGREEMENT The Borrower will appoint NFCU as Borrower's attorney-In-fact with limited authority to take such steps and accomplish such acts as NFCU may deem necessaty perfect and continue the perfection of the security interest created by this security agreement and to protect the collateral.Borrower will pay to NFCU the amounts when they become due,as indicated an this form. The Borrowerwi l defend the collateral against claims and demands of other persons and van not permit any other liens to the attached collateral. The Borrower win also keep the collateral In good condition and will not knowingly permit any action to impair Its present value.The Borrower will obtain written consentof NFCU prior to disposing of collateral. The Borrower will:(1)maintain property insurance(from an Insurer of Borrower's choice)on the collateral covered by this Security Agreement against loss and damage in an amount acceptable to NFCU;and assign NFCU the right to receive the proceeds of insurance,not to exceed the unpaid principal balance of the loan should the collateral be lost or damaged;(2)provide us with proof of insurance upon request with a collision deductible of no more than$500.00;and(3)provide satisfactory proof that the required coverage remains In effect.Failure to comply with this may result in converting this loan's annual percentage rate to NFCU's prevailing rate for personal loans and/or repossession of the collateral.We may also force place'Insurance at the Borrower's expense In the event that the Borrower falls to comply with the insurance requirement.Any force placed insurance will cover the loan's principal balance only and will not cover any personal belongings. The Borrower will deliver a Certificate of Title or other proof of ownership reflecting NFCU as first lien holder of the collateral to NFCU as promptly as possible,not to exceed three months.Failure to comply with this request can result in a demand for payment in full and/or In NFCU converting this loan's annual percentage rate to Navy Federal's prevailing signature loan rate.If NFCU exercises Its right to file for the lien-recorded tiffs,filing fees will appear as a debit on the Borrower's share savings account, DEFAULT AGREEMENT Until default,the Borrower may retain possession of the collateral and use It in any lawful manner consistent with the provisions of fhb agreement with all local,state and federal laws and regulations,and with any policy of insurance thereon.The occurrence of any of the following shall constitute default;failure to make payments as specified;violation of any Borrower warranty given in this agreements failure to perform In accordance with this agreement discovery that any warranty or statement of Borrower made in connecton with this transaction is incorrect in any material respect; use of the collateral in any manner prohibited by law;limitation on the collateral by being attached,levied upon,seized in any proceeding,or held by virtue of any lien,distress,or order;failure to adequately insure and properly register the collateral,suspension or revocation of registration certificate or Borrowers operating license;death,insolvency,business failure or entry of a discharge In bankruptcy or receivership by or against the Borrower, Corr Co-Owner of any property of either.NFCU or its agent has the right to take possession of the collateral without prior notice to the Borrower ult upon Any default by Borrower under any of the terms or provisions of any other agreement between Borrower and NFCU,whether existing now or In the future,shall constitute a default under all agreements.Under default,the balance due under this Note,plus any interest,shall become kn payable without further notice to the Borrower at the option of NFCU.If the amount due is not paid immediately,NFCU shall have the right to take suc action as Is available to it under the law.Such action may include taking possession of all stated collateral and sell,or otherwise dispose of the same,or any part thereof,at public or private sale upon such terms as NFCU may elect,and apply the proceeds received from such a sale to the amounts owed. Borrower will be liable to NFCU for any deficiency to the extant permitted by law.In the event of default,all reasonable costs of collection,including but not limited to court costs,expenses and reasonable attorney's fees,will be paid by the Borrower.NFCU may also revoke any and all membership privilerc waiver bey NFCU of any defaultby�ttne Borrower shall not be waiver nM any subsequent deffaau account),without prior notice to the Borrower. Borrower gives NFCU permission to obtain Borrowers Active Duty/Reserve address if Borrower is in default Borrower also authorizes NFCU to contact and receive from any person,including but not limited to Commanding Officer,other employer,credit grantor or landlord,state and federal agencies,or branches thereof and various departments and commands of Department of Defense,any Information which they deem necessary to cure or collect said default. The obligation ofthe Borrowerto NFCU to repay that portion of this loan not covered by optional Payment Protection Plan or optional Guaranteed Asset Protection shall continue on the Cosigner,the Borrower's heirs or estate.Refer to the Payment Protection Plan Agreement and Disclosure and the Guaranteed Asset Protection Agreement and Disclosure for terms and conditions of the Protection Plans. BORROWER WARRANTY The Borrower warrants that he or she is the owner of the collateral listed in blocks 17 thru 20 on the front;that there are no other liens or claims against it and that as the owner he or she has the right to make this agreement if the collateral described on the front Is to be purchased with the proceeds of this loan,Borrower warrants the proceeds will not be used for any other purpose. To secure payment of this Promissory Note,and any and all extensions or renewals thereof In whole or in part,and any and all other Indebtedness now or hereafter owing by Borrower to NFCU,Borrower grants and pledges to NFCU a lien upon,and a security interest in,Borrower's shares on deposit in all joint and individual accounts and any other monies held by NFCU now or in the future,to the extent of any loan made and any charges payable;and a security Interest in the collateral securing this loan,as described above,or securing other loans that the Borrower has with NFCU now or in the future, including any type of change or increase;and any proceeds from the sate of such collateral and of insurance thereon not to exceed the unpaid balance of the loan. The Borrower(and Cosigner or Co-owner,if any)and Navy Federal Credit Union have caused this agreement to be executed on the date indicated on the front of this form. NAVY FEDERAL CREDIT UNION by Assistarh as NAVY FEDERAL Credit Union In reply refer to: 4106245 May 15, 2010 . 43000962182102 SHAWNA M WHEELER 306 3RD ST ENOLA PA 17025-3122 Dear SHAWNA M WHEELER: This letter refers to the Payment Protection Plan, which provides financial security on your Navy Federal consumer loan account. Since the terms of the Payment Protection Plan are no longer being met on your account, coverage has now ceased, with immediate effect. If you have any questions, please let us know. You-may call us any time toll-free at 1-800-336-3333. If you prefer, you may write to: Navy Federal Consumer Loan Account Servicing, P.O. Box 3100, Merrifield, Virginia 22119-3100, or you may reach us by fax at 703- 206-313 2. Sincerely, Navy Federal • • PO Box 3000 Merrifield VA 22119-3000 PROMISSORY NOTE,SECURITY AGREEMENT AND DISCLOSURE NAVYTHIS DOCUMENT INCLUDES A PROMISSORY NOTE,A SECURITY AGREEMENT AND A TRUTH•IN•LENDING DISCLOSURE.PLEASE READ EVERYTHING EE�� CAREFULLY.THERE ARE ADDITIONAL TERMS AND CONDITIONS ON THE REVERSE SIDE.YOU ARE BOUND BY THOSE TERMS AND CONDITIONS AS WELL AS THOSE ON THIS SIDE.NAVY FEDERAL CREDIT UNION IS IDENTIFIED IN THIS DOCUMENT AS'NFCU'AND THE MEMBER AND ANY COSIGNER Ett WILL BE IDENTIFIED AS BORROWER'.DO NOT ALTER THIS DOCUMENT.NOTIFY US IF A CHANGE IS NECESSARY.VERIFY ALL COMPLETED SPACES. Credit Union COMPLETE SIGNATURES WHERE INDICATED l BELOW. )Borrower'sNameandAddress PALN 20091551804171 DATE: SHAWNA M WHEELER ® 06/10/09 2260 HINES FARM RD ONN�.21-02 JACKSONVILLE NC 28540-8878 3 I 1,11111 111110111 I p m I 11111 i H@ Ii i PURPOSE OF LOAN CHECK/DRAFT-OFFICE USE ONLY ® USED VEHICLE 0201405686 AMOUNT FINANCED le $ TWELVE THOUSAND TWO HUNDRED FORTY-NINE--00/100 OAN BA A S 7Et nTNa c :c ON-O.D-0AN- CAS!I TO MEMBER- -- - --AMO - '—. © $ .00 + O $ . 0 + eU $ 12,249.00 so $12,249.00 TRUTH-IN-LENDING DISCLOSURE ANNUAL PERCENTAGE RATE 1D 12.000 % FiNANCE CHARGE fi $ 4,137.64 The cost of your credit as a yearly rate. The dollar amount the credit will cost you. AMOUNT FINANCED 12 $ 12,249.00 TOTAL OF PAYMENTS 13 $ 17,538.60 The amount of credit provided to you on your behalf. The amount you will have paid after you have made all payments as Your PAYMENT SCHEDULE will be:. scheduled. NUMBER OF PAYMENTS AMOUNT OF PAYMENTS WHEN PAYMENTS ARE DUE 14 60 15 $ 292.31 Monthly,beginning 07/17/09 SECURITY:You are pledging a security interest in the collateral described below: MAKE and YEAR Collateral Description Serial Number 02 VOLVO 18 4 DOOR 4 () ® OTHER:Shares and dividends In accordance with Section 107(11)of the Federal Credit Union Act. PREPAYMENT:If you pay off early,you will not have to pay a penalty. LATE PAYMENT:If any amount due Is not received by the payment due date,you may be required to pay Navy Federal a late charge equal to$20.Navy Federal may also assess the late payment tee every month thereafter that you are past due. See the Promissory Note and Security Agreement below for Information concerning nonpayment and default. PAYMENT PROTECTION PLAN FEED$ 1,151.96 Oplion A Opption B Option C Protection The total amount of fees you will pay if optional Payment Protection ute Protection Ufa and Disability '' Life,Disability and lI Declined Plan was selected. $0.072 per$100 $0.134 per$100 Involuntary Unemployment of loan balance of loan balance $0.272 per$100 of loan GUARANTEED ASSET PROTECTION FEE-$249 per month per month balance per month —"The total amount of fees you will paylroptional Guaranteed Asset -® Protection' ❑ Protection 0 Not Eligible Protection was selected. Selected Declined I understand that I can cancel either Payment Protection Plan or Guaranteed Asset Protection at any time by contacting Navy Federal Credit Union. PROMISSORY NOTE AND SECURITY AGREEMENT The following consumer protection notice is required by the Federal Trade Commission: Any holder of this consumer credit contract is subject to all claims and defenses which the debtor could assert against the seller of goods or services obtained pursuant hereto or with the proceeds hereof. Recovery hereunder by the debtor shall not exceed amounts paid by the debtor. The undersigned(*Borrower")jointly and severally,waiving rights of demand and notice,hereby promise to pay to the order of NFCU the amount shown in block 12 of the Truth-in-Lending Disclosure above,with interest on the unpaid balance at the ANNUAL PERCENTAGE RATE shown in block 10,in installments as shown in the payment schedule.Interest is charged on a daily basis from the date of the Promissory Note.ANNUAL PERCENTAGE RATE does not reflect the effect of deposits required to secure this loan. Borrower acknowledges receipt of a completed copy of this Instrument and disclosure statement prior to consummation of the loan.This agreement is entered into and shall be governed,in ail respects,by Federal Law and when necessary the laws of the State of Virginia. ! Borrower is hereby notified that a negative credit report reflecting on Borrower's credfl record may be submitted to credit reporting agencies if Borrower fails to fuflll the terms of Borrower's credit obligations. I CERTIFY that all information provided by me Is true and complete.(Section 1014 Title 18 US Code makes it a Federal crime to knowingly make a false statement or report in the application for the purpose of influencing a Federal Credit Union.) MEMBER WC vnl 1 ,t.�I. �j c (BORROWER) RIB t f l �A 1 iG (Seal) -SHA NA M WHEELER If Payment Protection Plan or Guaranteed Asset Protection has been selected above, I request that protection and agree to the terms In the Agreement and Disclosure. COSIGNER fib' (Seal) I confirm as Cosigner,that I have read and fully understand the provissions of the attached Notice to Cosigner as required by Federal Regulation. By signing this note as Owner of Collateral Other Than Borrower,I agree that my OWNER OF COLLATERAL $3' (Seal) ownership Interest In the collateral Is subject to the security agreement only.I am OTHER THAN BORROWER not bound to repay the loan. NFCU 231(5.08) NOTICE See other side for additional disclosures and.Security Agreement This security agreement does not apply to shares in Individual Retirement Account or to property used as a principal dwelling,or to loans secured by property used as a principal dwelling,except for mobile homes used as a primary dwelling.If this loan is made to a trust with a Navy Federal Trust Account number,each person signing the note is jointly and severally liable for the loan.Where the trust is revocable,we require the trustee(s)and the natural person member(s)to sign the note as the Borrower. NFCU AGREEMENT NFCU makes no charges and collects no fees,other than interest,late fees(where applicable)and lien recording fees.They will not charge for credit investigations,and they will not charge advance interest;therefore,no rebate Is due if you prepay the loan. NFCU pays the total cash amount(block 8)of the loan to the member or to the member's account in another financial Institution or other Institution designated by the member,and has no financial ties with,or right of recourse against,the seller of the property which a member purchases and finances with NFCU. NFCU has applied the provisions of Regulation Z and the Standards of Fairness promulgated by Sec Nay Instructions to this loan. Payment Protection Plan is voluntary and is not required in order to obtain credit.We will not consider whether or not you elect the program in making our credit decision.You have the right to cancel at any time for any reason.If you cancel within 60 days of enrolling In the program,we will credit the outstanding balance for any fees charged for the program.You should carefully read the Payment Protection Plan Agreement and Disclosure for a fuH explanation of the terms and conditions of the program.Payment Protection Plan Is not available for NAVchek Overdraft Protection/Line of Credit or leases. Guaranteed Asset Protection is voluntary and is not required In order to obtain credit.We will not consider whether or not you elect the program in making our credit decision.You have the right to cancel at any time for any reason.If you cancel within 60 days of enrolling in the program,we will credit the outstanding balance for any fees charged for the program.You should carefully read the Guaranteed Asset Protection Agreement and Disclosure for a full explanation of the terms and conditions of the program.Guaranteed Asset Protection Is only available for new and used vehicles. BORROWER AGREEMENT The Borrower will appoint NFCU as Borrower's attorney-in-fact with limited authority to take such steps and accomplish such acts as NFCU may deem necessary to perfect and continue the perfection of the security interest created by this security agreement and to protect the collateral. The Borrower will pay to NFCU the amounts when they become due,as indicated on this form. The Borrower will defend the collateral against claims and demands of other persons and mil not permit any other liens to the attached collateral. The Borrower will also keep the collateral In good condition and will not knowingly permit any action to Impair Its present value.The Borrower will obtain written consent of NFCU prior to disposing of collateral. The Borrower will:(1)maintain property insurance(from an insurer of Borrower's choice)on the collateral covered by this Security Agreement against loss and damage in an amount acceptable to NFCU;and assign NFCU the right to receive the proceeds of insurance,not to exceed the unpaid principal more balance ce of the loan(3)provide satisfactory collateral be lost or damaged;(2)provide us with proof of Insurance upon request with a collision deductible of ( ry proof that the required coverage remains in effect.Failure to comply with this may result in converting this loan's annual percentage rate to NFCU's prevailing rate for personal loans and/or repossession of the collateral.We may also"force place"insurance at the Borrower's expense in the event that the Borrower fails to comply with the insurance requirement.Any force placed insurance will cover the loan's principal balance only and will not cover any personal belongings. The Borrower will deliver a Certificate of Title or other proof of ownership reflecting NFCU as first lien holder of the collateral to NFCU as promptly as possible,not to exceed three months.Failure to comply with this request can result in a demand for payment in full and/or in NFCU converting this loan's annual percentage rate to Navy Federal's prevailing signature loan rate.If NFCU exercises Its right to file for the lien-recorded title,filing fees will appear as a debit on the Borrower's share savings account. DEFAULT AGREEMENT Until default,the Borrower may retain possession of the collateral and use it in any lawful manner consistent with the provisions of this agreement,with all local,state and federal laws and regulations,and with any policy of Insurance thereon.The occurrence of any of the following shall constitute default;failure to make payments as specified;violation of any Borrower warranty given in this agreement;failure to perform in accordance with this agreement;discovery that any warranty or statement of Borrower made in connecton with this transaction is Incorrect in any material respect; use of the collateral in any manner prohibited by law;limitation on the collateral by being attached,levied upon,seized In any proceeding,or held by virtue of any lien,distress,or order,failure to adequately insure and properly register the collateral;suspension or revocation of registration certificate or Borrower's operating license;death,insolvency,business failure or entry of a discharge in bankruptcy or receivership by or against the Borrower, Cosigner or Co-Owner of any property of either.NFCU or its agent has the right to take possession of the collateral without prior notice to the Borrower upon default Any default by Borrower under any of the terms or provisions of any other agreement between Borrower and NFCU,whether existing now or in the future,shall constitute a default under all agreements.Under default,the balance due under this Note,plus any interest,shall become immediately payable without further notice to the Borrower at the option of NFCU.If the amount due Is not paid immediately,NFCU shall have the right to take such action as is available to it under the law.Such action may Include taking possession of all stated collateral and sell,or otherwise dispose of the same,or any part thereof,at public or private sale upon such terms as NFCU may elect,and apply the proceeds received from such a sale to the amounts owed. Borrower will be liable to NFCU for any deficiency to the extent permitted by law.In the event of default,all reasonable costs of collection,including but not limited to court costs,expenses and reasonable attorney's fees,will be paid by the Borrower.NFCU may also revoke any and all membership privileges previously extended to the Borrower(except the right to vote and to maintain a share savings account),without prior notice to the Borrower. The waiver by NFCU of any default by the Borrower shall not be a waiver of any subsequent default. Borrower gives NFCU permission to obtain Borrower's Active Duty/Reserve address if Borrower is in default.Borrower also authorizes NFCU to contact and receive from any person,including but not limited to Commanding Officer,other employer,credit grantor or landlord,state and federal agencies,or branches thereof and various departments and commands of Department of Defense,any information which they deem necessary to cure or collect said default. The obligation of the Borrower to NFCU to repay that portion of this loan not covered by optional Payment Protection Plan or optional Guaranteed Asset Protection shall continue on the Cosigner,the Borrower's heirs or estate.Refer to the Payment Protection Plan Agreement and Disclosure and the Guaranteed Asset Protection Agreement and Disclosure for terms and conditions of the Protection Plans. BORROWER WARRANTY The Borrower warrants that he or she is the owner of the collateral listed in blocks 17 thru 20 on the front;that there are no other liens or claims against it;and that as the owner he or she has the right to make this agreement.If the collateral described on the front is to be purchased with the proceeds of this loan,Borrower warrants the proceeds will not be used for any other purpose. To secure payment of this Promissory Note,and any and all extensions or renewals thereof in whole or in part,and any and all other indebtedness now or hereafter owing by Borrower to NFCU,Borrower grants and pledges to NFCU a lien upon,and a security interest In,Borrower's shares on deposit in all joint and individual accounts and any other monies held by NFCU now or in the future,to the extent of any loan made and any charges payable;and a security interest in the collateral securing this loan,as described above,or securing other loans that the Borrower has with NFCU now or in the future, including any type of change or increase;and any proceeds from the sale of such collateral and of insurance thereon not to exceed the unpaid balance of the loan. The Borrower(and Cosigner or Co-owner,if any)and Navy Federal Credit Union have caused this agreement to be executed on the date indicated on the front of this form. NAVY FEDERAL CREDIT UNION by__pal_ Assistan as r SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson 2 ' Sheriff f s,..) i fi :1., Jody S Smith - 26 ^ -2 AM ` Chief Deputy Richard W Stewart CUMBERLAND LUU 4'. Solicitor ",. ,, : PENNSYLVANIA Cavalary SPV I, LLC vs. Case Number Shawna Wheeler 2013-6888 SHERIFF'S RETURN OF SERVICE 11/22/2013 10:24 AM - Deputy Ronald Hoover, 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: Shawna Wheeler at 10 Second Avenue, Wormleysburg Borough, Lemo ne, PA 17043. RONALD HOOVER, DEPUTY SHERIFF COST: $46.08 SO ANSWERS, g7.'''''' f November 25, 2013 RONNY ANDERSON, SHERIFF C M IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Cavalry SPV I, LLC ty-t -4- assignee of Navy Federal Credit Union, ter*', Plaintiff NO. 2013-06888 vs. CIVIL ACTION -LAW SHAWNAM WHEELER Defendant ---4 c.e PRAECIPE FOR DEFAULT JUDGMENT To the Prothonotary: Please enter Default Judgment in favor of Plaintiff and against Defendant(s), SHAWNA M WHEELER for failure to file a written response to Plaintiffs Complaint. (X) Principal less payments received $9665.08 Interest $0.00 Attorneys' Fees $0.00 TOTAL $9665.08,plus court costs and statutory interest from date of judgment. (X) I certify that the foregoing assessment of damages is for specified amounts alleged to be due in the complaint and is calculable as a sum certain from the complaint. (X) Pursuant to Pa.R.C.P.237,I certify that a copy of this praecipe has been mailed to each other party who has appeared in the action or to his/her Attorney of Record. (X) Pursuant to Pa.R.C.P.237.1,I certify that written notice of the intention to file this praecipe was mailed or delivered to the party against whom judgment is to be entered and to his/her Attorney of Record, if any,after the default occurred and at least ten days prior to the date of the filing of this praecipe a copy of the notice is attached. Respectfully Subm' ed By. Michael B.Volk,Esq.#885530 Fulton,Friedman&Gullace LLP Counsel for Plaintiff 6 Kacey Court, Suite 203 Mechanicsburg,PA 17055 (866)563-0809 FFG File#375625 I IIIIII VIII VIII VIII(IIII VIII VIII(IIIIII VIII II IIIIII IIII IIII PA/PA_PRAEJD A IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Cavalry SPV I, LLC assignee of Navy Federal Credit Union Plaintiff NO. 2013-06888 V. CIVIL ACTION -LAW SHAWNA M WHEELER Defendant(s) NOTICE OF JUDGMENT Notice is hereby given that a Judgment in the above-captioned matter has been entered against you as follows: Principal less payments received $9665.08 Interest $0.00 Attorneys' Fees $0.00 TOTAL $9665.08, plus court costs and statutory interest from date of judgment. N NOW, 20 JUDGMENT TE D S OVE. w Wm0logP Prothonotary/Clerk,Civil Division By: Deputy I hereby certify that the name and address of the proper person to receive this notice under Pa. R.Civ.P.236 is: SHAWNA M WHEELER 10 2ND AVE LEMOYNE PA 17043-1304 Defendant(s) Respectfully Suffitte By: Michael B.Volk, Esq. #885530 Fulton,Friedman&Gullace LLP Counsel for Plaintiff 6 Kacey Court, Suite 203 Mechanicsburg,PA 17055 (866) 563-0809 FFG File#: 375625 1 111111 11111 11111 11111 11111 11111 11111 111111111111 II 1111111 I II 1111 PA/PA_NTCOFJ FULTON , FRIEDMAN & GULLACE LLP UCENSED IN AZ, CA, DC, MD, IL, M1, NJ, NY, OH, PA, TN, TX &VA NEW YORK 28 E. MAIN STREET,SUITE PENNSYLVANIA OFFICE 500 TELEPHONE(800)869-2331 6 KACEY COURT, SUITE 203 ROCHESTER, NEW YORK MECHANICSBURG, PA 17055 14614 December 30, 2013 SHAWNA M WHEELER 10 2ND AVE LEMOYNE PA 17043-1304 Re: CONSUMER(S): SHAWNA M WHEELER CREDITOR: Cavalry SPV I,LLC ORIGINAL CREDITOR: Navy Federal Credit Union TOTAL DUE: $9814.91 FFG FILE NO: 375625 ORIGINAL ACCOUNT#:XXXXXXXXXX2102 Docket No.2013-06888 Dear SHAWNA M WHEELER: Enclosed herein please find a 10-Day notice pursuant to Rule 237.1 of the Pennsylvania Rules of Civil Procedure. Sincerely, FULTON, FRIEDMAN, & GULLACE LLP Michael B Volk #88553 6 Kacey Court, Suite 203 Mechanicsburg, PA 17055 FFG File#375625 (800) 869-2331 Enclosure Counsel for Plaintiff CC: THIS IS AN ATTEMPT TO COLLECT A DEBT BY A DEBT COLLECTOR AND ANY INFORMATION WILL BE USED FOR THAT PURPOSE. 111111111111111 IN 111111111111111111 PAPA IODAYNTC IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA Cavalry SPV I, LLC assignee of Navy Federal Credit Union Plaintiff NO. 2013-06888 V. CIVIL ACTION -LAW SHAWNA M WHEELER Defendant(s) To: SHAWNA M WHEELER 10 2ND AVE LEMOYNE PA 17043-1304 DATE OF NOTICE: 12/30/2013 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 32 S BEDFORD ST. CARLSILE,PA 17013 (717)249-3166 FULTON,FRIEDMAN,&GULLACE LLP By. Michael B Volk #88553 6 Kacey Court,Suite 203 Mechanicsburg,PA 17055 (800)869-2331 Counsel for Plaintiff FFG File#375625 PA/PA_l ODAYNTC