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HomeMy WebLinkAbout14-0651 Supreme !Court of Pennsylvania Court of Common Pleas For Prothonotary Use Only: Civil Cover Sheet Docket No: Cumberland County The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the flling and service of leadin s or other papers as required by law or rules of court. Commencement of Action: ® Complaint ❑ Writ of Summons ❑ Petition ❑ Transfer from Another Jurisdiction ❑ Declaration of Taking E Lead Plaintiff's Name: Lead Defendant's Name: MELISSA A CASE C SLM EDUCATION CREDIT FINANCE CORPORATION Are money damages requested? X ❑ Yes ❑ No Dollar Amount'Requested: ® within arbitration limits (Check one) ❑ outside arbitration limits N Is this a Class Action Suit? ❑ Yes ® No Is this an MDJ Appeal? YQ X NFL] A Name of Plaintiff /Appellant's Attorney: Morris Scott /Syretta Martin ❑ Check here if you have no attorney (are a Self- Represented [Pro Se] 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. TORT(do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS ❑ Intentional ❑ Buyer Plaintiff Administrative Agencies ❑ Malicious Prosecution ❑ Debt Collection: Credit Card ❑ Board of Assessment ❑ Motor Vehicle O - Debt CoUectign: ❑ Board of Elections ❑ Nuisance 4a 14 ❑ Dept. of Transportation S ❑ Premises Liability ❑ Statutory Appeal: Other E ❑ Product Liability (does not include mass tort) ❑Employment Dispute: C ❑ Slander /Libel /Defamation Discrimination T ❑ Other: ❑ Employment Dispute: Other ❑ Zoning Board I ❑ Other: 0 N El Other: MASS TORT ❑ Asbestos ❑ Tobacco B ❑ Toxic Tort - DES ❑ Toxic Tort - Implant REAL PROPERTY MISCELLANEOUS ❑ Toxic Waste ❑ Ejectment ❑ Common Law /Statutory Arbitration ❑ Other: ❑ Eminent Domain /Condemnation ❑ Declaratory Judgment ❑ Ground Rent ❑ Mandamus ❑ Landlord /Tenant Dispute ❑ Non - Domestic Relations ❑ Mortgage Foreclosure: Residential Restraining Order PROFESSIONAL LIABILITY ❑ Mortgage Foreclosure: Commercial ❑ Quo Warranto ❑ Dental ❑ Partion ❑ Replevin ❑ Legal ❑ Quiet Title ❑ Other: ❑ Medical ❑ Other: ❑ Other Professional: Updated 111120, 2855953 PPTXSCPI (1 /IS /2014) Blatt, Hasenmiller, Leibsker & Moore, LLC Attorney for Plaintiff, Morris Scott Attorney I.O. #83587 SLM EDUCATION CREDIT FINANCE CORPORATION Syretta Martin Attorney I.D. #309370 1835 Market Street, Suite 501 ,�, Cj Philadelphia, PA 19103 -I 800 - 850 -1079 r,,M - z Co r7l SLM EDUCATION CREDIT FINANCE CORPORATION -n c/o Blatt, Hasenmiller, Leibsker & Moore, LLC IN THE COURT OF COMMON P13W c 1835 Market Street, Suite 501 5 Ir.� Philadelphia, PA 19103 CUMBERLAND COUNTY, PA Plaintiff, CIVIL ACTION VS. L` No. l /�-- MELISSA A CASE t 4 NORTHVIEW DR CARLISLE PA 17013 -9654 Defendant. NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice 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. LAWYER REFERRAL SERVICE 32 SOUTH BEDFORD STREET S CARLISLE, PA 17013 2855953 PPTCPADI AVISO Le han demandado a usted en la corte. Si usted quiere defen derse de estas demandas expuestas en las paginas siguientes, usted tiene veinte dias de plazo al partir de la fecha de la demanda y la notificacion. Hase falta ascentar una comparencia escrita o en persona o con un aboga do y entregar a la corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisa do que si usted no se de fiende la corte tomara medidas y puede continuar la demanda en contra suva sin previo aviso o notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero o sus propieda des u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. SERVICIO DE REFERENCIA LEGAL 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 267 -2032 Blatt, Hasenmiller, Leibsker & Moore, LLC Attorney for Plaintiff, Morris Scott Syretta Martin 1835 Market Street, Suite 501 Philadelphia, PA 19103 800 - 850 -1079 SLM EDUCATION CREDIT FINANCE CORPORATION IN THE COURT OF COMMON PLEAS c/o Blatt, Hasenmiller, Leibsker & Moore, LLC CUMBERLAND COUNTY, PA Plaintiff, CIVIL ACTION vs. No. MELISSA A CASE 4 NORTHVIEW DR CARLISLE PA 17013 -9654 Defendant(s). Plaintiff, SLM EDUCATION CREDIT FINANCE CORPORATION, claims as follows: 1 . The Defendant(s), MELISSA A CASE, is a resident of Cumberland County, PA. 2. Plaintiff and Defendant executed a Promissory Note whereby Defendant(s) promised to make monthly payments as specified in the Note. A Copy of the Note is attached hereto as Plaintiff's Exhibit A. 3. The Defendant was advanced the proceeds of the loan which were to be used for educational purposes. 4. Allowing for credits for payments, the balance due is $3613.69. See Plaintiff's Exhibit B. 5. The Plaintiff had declared the Defendant to be in default and demands payment of the balance due from the Note. WHEREFORE, the Plaintiff SLM EDUCATION CREDIT FINANCE CORPORATION, prays for Judgment in it's favor and against the defendant(s) MELISSA A CASE , in the amount of $3613.69. Respectfully submitted, Morris Scott Attorney I.D. #83587 Syretta Martin Attorney I.D. #309370 Dated: January 27, 2014 2855953 PPTCNCSI VERIFICATION I, the undersigned attorney for the Plaintiff, hereby verify that the statements made in the foregoing Complaint are true and correct to the best of my knowledge, information, and belief, based upon information provided by the Plaintiff, that the Plaintiff is presently located outside of this jurisdiction, and that in order to file the within document in an expedient and timely manner I am authorized to sign this verification on behalf of the Plaintiff. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsifications to authorities. PPTXVERI Blatt, Hasenmiller, Leibsker & Moore, LLC Attorney for Plaintiff, Morris Scott Attorney I.D. #83587 SLM EDUCATION CREDIT FINANCE CORPORATION Syretta Martin Attorney I.D. #309370 1835 Market Street, Suite 501 Philadelphia, PA 19103 800 -850 -1079 SLM EDUCATION CREDIT FINANCE CORPORATION c/o Blatt, Hasenmiller, Leibsker & Moore, LLC IN THE COURT OF COMMON PLEAS 1835 Market Street, Suite 501 Philadelphia, PA 19103 CUMBERLAND COUNTY, PA Plaintiff, CIVIL ACTION vs. No. MELISSA A CASE 4 NORTHVIEW DR CARLISLE PA 17013 -9654 Defendant(s). AFFIDAVIT OF NON - MILITARY SERVICE COMMONWEALTH OF PENNSYLVANIA: County of Cumberland: I, Morris Scott /Syretta Martin, being duly sworn according to law, depose and say I am the attorney for Plaintiff and I am authorized to make this affidavit on Plaintiff's behalf. I hereby certify that the Defendant(s) is at least 18 years of age and not in the Military Service of the United States, nor any State or Territory thereof or its allies as defined in the Servicemembers' Civil Relief Act of 2004 and any amendments thereto. See Defendant(s) Military Status Report pursuant to 50 U.S.C. App. Section 521, 525 which was obtained from the Department of Defense Manpower Data Center ( https: / /www.dmdc.osd.mil /appi /scra /). I also herby certify that the statements made in the foregoing Affidavit of Non - Military Service are true and correct to the best of my information, knowledge, and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S.A. Section 4904 relating to unsworn falsification to authorities. BLATT, HASENMILLER, LEIBSKER & MOO C Dated: January 27, 2014 By: Morris Scott Syretta Martin 2855953 f PPTJ f CAMI (06/28/ I IIIIIII'IIII IIIIII IIII III IIIIII VIII VIII VIII VIII VIII VIII INII IIII IIII - Exhibit "A" PPTXEXAI X855953 STATE OF INDIANA COUNTY OF HAMILTON Plaintiff, SLM EDUCATION CREDIT FINANCE CORPORATION V. Defendant, MELISSA A CASE, Note # XXXXXXXXXX0119 AFFIDAVIT OF DEBT I, Mary Kay Mauer, being of full age, hereby certify as follows: 1. 1 am more than 19 years of age and am competent to make this affidavit. 2. 1 am employed by Sallie Mae, Inc., as a Litigation Assistant. I am authorized to make this affidavit on behalf of Sallie Mae Inc. as administrator and agent for SLM EDUCATION CREDIT FINANCE CORPORATION. 3. 1 am familiar with the facts and circumstances in connection with this account and have been authorized to make this affidavit in the above referenced case. 4. In the ordinary course of business and as a regular business practice, Sallie Mae, as administrator and agent for SLM EDUCATION CREDIT FINANCE CORPORATION compiles business records memorializing account activity and transactions at or near the time they occur. 5. Entries in the files and business books and records of Sallie Mae, as Administrator and Agent for SLM EDUCATION CREDIT FINANCE CORPORATION are made contemporaneously with transactions in order to preserve the accuracy of the transaction. 6. Account information and business records regarding Plaintiff's accounts are maintained by, Sallie Mae, as administrator and agent for SLM EDUCATION CREDIT FINANCE CORPORATION. 7. I have custody and control of the files and business records relating to this account 8. There remains an outstanding balance due Plaintiff from Defendant in the amount of $ 3291.33 plus interest of $322.36 calculated through 04 -29 -13 for a total balance due and owing of $3613.69. 9. The documents attached to this affidavit, if any, are true and accurate copies of business records regarding the Defendant's account. 10. Based upon the account information that I reviewed, the Defendant is not an infant or incompetent person. I have input the Defendant's name in the Manpower Department of Defense database and based upon the review, the Defendant is not on active duty with the Armed Forces of the United States of America or its allies. I affirm under the penal perjury that the above facts are true and correct to the best of my belief. Mary Kay duer, Sal Mae, as administrator and agent for SLM EDUCATION CREDIT FINANCE CORPORATION IN WITNESS WHEREOF I have hereunto subscribed my name and affixed my official seal on May 7, 2013. otary Publ' Kimberly L Peace My Commission Expires: June 18, 2018 �/V °of .o Within and for the County of Hancock `� 'x 'V ;! * ` °o� y And State of Indiana : ON 6, �/ssio Notary Number 617811 IAN 'wrr n n una 2855953 LXDXCSMI TRUE AND EXACT COPT' OF TII E ORIGINAL Signature Student Loan® SallieMae App CodeIXSP0701 Application and Promissory Note Prom Note Code 3XSP0701 For Loan Applications Received by May 31, 2008 X,5` 19009570000 Section A: Borrower Informat Please read instructions before completing this section. Social Security Number ` 62 `'nN'm"°°'case First Name melissa � a Permanent Address (No P.O.Boxes)152 tusc arora path sty iekesburg ' P a aP `�e 17037 Permanent Plane Nmnber (717) 438 -3667 Wular HoneN mber Address melissacase93 @embargmail.com PriorAdd rom (if you have been at yo pamment 23 ] 2 Shermans Valley address lea than one year ease 'die Prior Adldress) City elliottsburg state a suss 17024 Ad*— wh"c's school 152 tuscarora path c " ty ickesb urg state a 17037 ;hone Number While in school 71 43 8 -3667 Date of Birth (mm(dddyy) 11 /. have you ever defaulted on a student loan? (check one) es o IfM see instructions far required action Citizenship (check one) a) U.S. Chtiaen 9 b) Non atizen Permanent Resident M c) Foreign Resident C3 d) Foreign Resident not eligible for a Social SecmityNumber O Note: For options b, a or d we instructions Total LoanAmount Requested We encourage you to barrow conservatively, but tryto borrow the full Enrollment Periodfor which you want to borrow From (mm/yy) To (mm/yy) $ amount you need so you win not have to submit another application. money (canna exceed 12 months) (ace in— ctions) ; 06/07 05/08 sabanl Name WALDEN UNIVERSITY BALTIMORE state MD Grade Level (refer to mmstrucdons) A Course of Study (refer to instructions) P SY 0=11 Outstanding Student Loan Education Debt refertoinmuctions S 37 000.00 References —You must provide two 2 adult retereuas other tbaa the coal nee One of them should be a relative. 1) L dName and sfzk elma First Name rose MI a Relatiorship to Bo rower Parent /Guardian Address (No P.O. Boxes) 5473 vetemns wa City elliottsb sore a 4 Cod 17024 "" ( 717) 438 2) 14M Name and Suffix S uler HM N=e n=an MI a Re"demh'p ro "" Relative Address (No P.O. B07 LC 81 404 nottingham rd City quarryville 'pa ' ' e17566 Pemanent %— Number (717) 529 -2954 Section B: Cosigner Information Please read instructions before completing this section. Social Security Number Last Name and Suffix Fist Name b,11 Address (No P.O. Boxes) City State zrn Code Permanent Phone Number Cellular ram Number Email Address Prior Address (No P.O. Boxes) City State ZIP Code CtizemhiF (' O°e) Date of Birth (mm/dd/yy) Cosigner's Job Title a) U.S. Ll'h ( C1 b) Nou- Citizen Permanent Rradent O Note: For option b, see imtrrtcti. Present Employer Name Employ- Addr -a (City. State, ZIP Code) WodkPhone Number Gross Mdmthty Income (see instructions) Note.. You do not have to reveal anmony, child support or Monthly Mortgage/Rent Am— (check oar) Have you ever defaulted on a student loan? (check one) separate maintenance income unless you wish it to be considered as a bask for loan repayment $ Oav F-3 Rem O Yea E3 No [] If yes, me instructions for required action Rderenees —Yon moat vide two adult references other tban the b irrowec. One of them should be a relative, 1) Last Name and Suffix First Name Nn RelationshipmCosigner Address (No P.O. Boxes) City State 23P Code Permanent Phone Number 2) Last Name and Suffix Fuat Name ha Relationship to Cosigner Address (No P.O. Boxes) City state ZIP Code Permanent Phone Number Section C: Borrower and Cosigner Signature CAUTION- IT IS IMPORTANT Notice to Customer (a) Do not sign this before: you I declare that the information provided above is true and complete to the best of my THAT YOU THOROUGHLY read the Promissory Note even if otherwise advised knowledge and belief I have read the Promissory Note accompanying this application READ THE CONTRACT (b) Do not sign this ifit contains any blank spaces. and each applicable Notice to Cosigner and agree to the terns therein. Promise to pay: BEFORE YOU SIGN rL 1, THE (c)You are entitled to an exact copy of any agreement you Jointly and severally with the other signers below, I promise to pay the lender or any COSIGNER, HAVE READ THE sign. (d) You have the right at any time to pay in advance other holder of this loan all stuns disbursed under the terns of the Promissory Note, APPLICABLE COSIGNER the unpaid balance due under this agreement and you may plus interest and all other fees, charges, and costs that may become due. The terms and NOTICE(S). be entitled to a partial refund of the finance charge, conditions set forth in the Promissory Note constitute the entire agreement between us. Borrower Signature Melissa a case (seat) Date 09/28/2007 15E3D6B873537D8AC3F9620EA6304895 Cosigner Signature (if applicable) (seal) Date Section D: School Certification Must be completed bv an authorized school official School Nam a WALDEN U ScboolCod"Bturh 0250420000 Disbursement Daft (mm/dd/yy) DisborsementAmount For the Enrollment Period (not to exceed 12 months) Grade Level (check one) Please refer to insnm0ma. 1. 1, Prom Date (mm/ddryy) To Date (mm/dd/yy) Undergtadlaete 0 1 O 2 O 3 O a [IS 06/01/2007 05/31/2008 Graduate 91 MB oC OD 2• 2. $ Enrollment Status (check one) (roeseornstrucdaos Anticipated Gra &rarion Date (mm/ddtyy) 3. 3. Full-time O � llaff --time O a. PSY 4 • S Total Certified Amount $ I hereby certify that the borrower is eligible for a Signature Student Loan; that the Total Certified Amount does not exceed the student's cost of attendance minus other financial aid; that the School will, at the request of the lender, provide the lender with subsequent information regarding the borrower's whereabouts; that this School will comply with all applicable loan policies and provisions; and that information provided in Sections A and B is true, complete and correct to the best of my knowledge and belief Authorized school official Print or type Phone Sign and date own andtdo: ONWLD S WIS Retum Application To: Sallie Mae a P.O. Box 147023 a Gainesville, FT, 32614-7023 (Copyright o Sallie Mae 20 Hill IIHIII1111p111IN Hill IMIlls011III Milli I III Hill IraMI 11[ IfH11111111111111111111110 Hill 011111fIH1H 11111111111111 IN 111011111HN oil III I III oil IIIVIIIII oil VIIIHIll1111H1III111 Signature Student Loan Promissory Note 3XSP0701 In this Promissory Note ( "Note ") the words "i," 2. Repayment Period - The "Repayment C. INTEREST "me," "my," "mine" and "we" mean the Period" will begin on the day after the 1. Accrual of Interest - Interest on this Note borrower and cosigner(s) who signed the interim Period ends and, depending on my will accrue at the Variable Rate (as defined application, unless the language specifically loan balance, will continue for up to 360 below), beginning on the first refers to only one or the other. "You," "your," months, not counting any Deferment or Disbursement Date, on the principal and "yours" mean the lender as listed below Forbearance periods. If my loan is made six balance advanced and Capitalized Interest, and any subsequent holder of this Note. months or more after the student borrower Fees and Other Amounts, until the principal "School" means the school named in Section D graduates, drops below half -time balance and all accrued interest are paid in of the application, enrollment, if required, or ceases to meet full. Lender: the requirements for less than half -time 2. Variable Rate !will pa interest at a enrollment, if applicable, then there a no Variable Rate equal to the Index ", plus or Interim Period and my Repayment Period begins on the day of my first disbursement. minus the percentage identified on my 3. Capitalized Interest, Fees and Other Disclosure (the "Margin ") for the School es and Period brace Period, or Repayment Amounts - Interest, fees, charges Period, as applicable, rounded to the A. PROMISE TO PAY costs due and not yet paid may be added, nearest one - eighth of one percent I promise to pay to your order according to the without notice, to the principal amount of (0.125 %). The Variable Rate may change terms below the sum of: the Loan Amount the loan, as provided in this Note. This monthly on the first day of each month if Requested, to the extent it is advanced to me, addition is called "capitalizing." Since the Index changes, the Margin changes, or or on my behalf, which includes the interest accrues on the outstanding both change. The index is the highest U.S. Supplemental Fees (together, the "Loan principal balance, capitalizing increases Prime Rate published in The Wall Street Amount"), other interest, fees and charges the total cost of the loan. Journal "Money Rates" section, or any accrued or capitalized on the Loan Amount as 4. Default - You may declare my loan in successor section or table for the purposes described in this Note; and, in the event of default following an event described in of displaying such rate, on the next to the default, reasonable attorney's fees, court costs Section K except as follows: IDAHO, IOWA, last New York business day before the end and collection agency fees to the extent KANSAS. MAINE and SOUTH. CAROLINA of the prior month. A New York business permitted by law. RESIDENTS ONLY: I will be in default if I fall day is defined as any day that is not a to make a payment as required by this Note Saturday, Sunday, holiday or other day on B. DEFINITIONS (or within 10 days of the time required by which. banking institutions in New York are 1. interim Period - The "interim Period" will this Note, for Iowa residents) or if the authorized or ordered to close by law or begin on the day of my first disbursement prospect of my payment or performance is executive order. For example, the Index for and will end on the following applicable significantly Impaired (for Iowa residents, January will be determined by the highest date: if, following an event described in Section U.S. Prime Rate published in The Wall K, the prospect of my payment is materially Street Journal on the preceding December (a) Six months after the student borrower impaired). The burden of establishing the 30th if both the 30th and 31 st are New York graduates from the School; prospect of such impairment is on you. business days. (b) If the School is approved for half -time WISCONSIN RESIDENTS ONLY: I will be in 3. Substitute Index - If The Wall Street enrollment only, six months after the default: Journal is not published on the date to be student borrower ceases , unless the be enrolled (a) if I permit to be outstanding an amount used for the Index, then the Index will be in at least half-time study, exceeding 1 full payment which has determined by using the immediately student borrower re- enrolls in another remained unpaid for more than 10 days preceding published U.S. Prime Rate. If the school eligible for the Signature after its scheduled due date or deferred Index ceases to be available, you will Student loan Program within that six- month period and also meets the due date, or I fail to pay the first choose a comparable substitute. enrollment requirements approved for payment or the last payment within 40 0 TERMS OF REPAYMENT that school; or days of its scheduled due date or (c) If the School is approved for less than deferred due date: or 1. No Required Payments During Interim half -time enrollment, six months after (b) if I fail to observe any other provision of Period - I am not required to make the student borrower ceases to be this Note, the breach of which payments during the interim Period, enrolled in at least haff -time study, and materially impairs my ability to pay the However, unpaid accrued interest will be also ceases to meet the requirements amounts due under the Nate. capitalized at the beginning of the for less than half -time study, unless the 5. Disbursement Date - The date shown on Repayment Period. Statements that show the unpaid accrued interest on the loan will student borrower re- enrolls in another the loan check or the date the loan funds school eligible for the Signature are electronically transferred to the School. be sent the student borrower on least a quarterly basis and to the cosigner on at Student Loan Program within that six- 6. Disclosure - The Truth in Lending least an annual basis. Information about month period and also meets the Disclosure that will be sent at the time of the unpaid accrued interest on the loan will enrollment requirements approved for my first disbursement and which is hereby also be available online at www.manage that school. incorporated into this Note. yourloans.com. The portion of the Interim Period while the 7. Additional Terms - The terms "Interest," 2. Repayment Schedule - You and I agree that student borrower is in school is the "School "Forbearance Fee," "Deferment Fee," "Lame the repayment schedule will be established Period" and the remaining portion of the Charge," "Supplemental Fee," "Payment as follows: Subject to paragraph 4 of this Interim Period is the Grace Period." Return Fee," and "Collection Costs" are Section, prior to the start of the Repayment Requirements for less than half -time study defined in the Note sections so titled. Period you will send me a statement may include, but are not limited to, a limit on "Variable Rate," "Index," and "Margin" are setting forth an initial repayment schedule the maximum number of months or the defined under Section C, Interest, of this that provides for consecutive monthly maximum number of sequential terms Note. (quarter, trimester, semester, or academic payments of principal and interest in the amounts necessary to repay the at year) for less than half -time enrollment. principal and interest at the Variable a Rate To find out if a school is approved for less than then in effect over a Repayment Period of half -time enrollment, and, if so, the up to 180 months. You will also send me { requirements for less than half-time study at statements showing the amounts and t the school. call 1- 800 -695 -3317. payment due dates of my monthly i payments. t Copyright © 2000 -2007 Sallie Mae 3XSP0701 3. Revisions to the Repayment Schedule - applicable law. Payments in excess of the G. SUPPLEMENTAL FEES Subject to paragraph 4 of this Section, you amount due will advance the next payment 1 Supplemental Fee at Disbursement - You will revise the repayment schedule so that due date by the number of whole payments it provides for consecutive monthly satisfied by the extra funds. (For example, may charge me a Supplemental Fee, and add it to the Loan Amount, at disbursement payments of principal and interest in the if my monthly payment amount is $100. I amounts necessary to repay the unpaid am not delinquent and I pay $400 for the of my lawn. If there is more than one principal and interest at the Variable Rate month of January, my next payment due disbursement, at the time you issue each then in effect over the number of months date will be May.) disbursement, you may add to the principal remainng in the Repayment Period with g_ Payment in Full - If I wish to make a loan balance f amount equal to the pro in in the y rata portion of the Supplemental Fee. The the payment amount changing g payment in satisfaction of a disputed amount of the Supplemental Fee, if months of February, May, August, and amount or balance, I must send it to P.O. charged, will be identified on my November, as necessary. The statements Box 3800, Wilkes - Sarre, PA 18773 -3800 Disclosure, under the Itemization of that you send me will reflect any changes in with a letter of explanation. To the extern Amount Financed, as the amount of the the amounts of my monthly payments. permitted by law, you may accept late Supplemental Fee at Disbursement or 4. Interest -Only Payments, Extended payments, partial payments, or payments Prepaid Finance Charge and will be a Repayment Term, Other Repayment marked "payment in full," or having similar percentage of the principal balance of my Options - After the Interim Period begins, I language, without waiving your rights loan. may ask to make interest -only payments under this Note. 2. Supplemental Fee at Repayment -You may for the first 48 months of the Repayment charge me a Supplemental Fee, which will Period, or to exercise another repayment E. FORBEARANCE AND FORBEARANCE be identified on my Disclosure, either at the option, if available. If I wish to do so, i will FEES, DEFERMENT AND DEFERMENT beginning of my Repayment Period, upon notify you in writing. If you agree, you will FEES total repayment of my loan, or upon an notify me in writing of my new repayment 1, In School Forbearance - if I return to event described in Section K, whichever is terms, and, if I am making interest -only school I may request Forbearance under earlier. The amount of this Supplemental payments: which i may defer regularly scheduled Fee, I charged, will be identified on my (a) During any month when there is a payments after the beginning of the Disclosure, under the Itemization of decrease in the interest rate, any Repayment Period. As long as the school is Amount Financed, as the amount of the amount remaining after accrued eligible for the Signature Student Loan Supplemental Fee at Repayment or Prepaid interest is paid will be applied to Program, you will automatically grant the Finance Charge and will be a percentage of principal. During any month when there Forbearance. Even if I do not request the principal balance of my loan after is an increase in the interest rate, there Forbearance, if you are notified that I have unpaid interest accrued during the interim will be excess interest that is not paid returned to a school that is eligible for the Period is capitalized. (unless I voluntarily pay such interest). Signature Student Loan Program, you will 3. When Earned - I understand and agree that Any such excess interest that remains automatically grant a Forbearance. I the Supplemental Fees, if any, are earned unpaid will accrue, but will not be understand that no Forbearance Fee is when assessed, are due even if the capitalized: and assessed for an In School Forbearance, amounts on which they are assessed are (b) You will revise the repayment schedule You will capitalize unpaid accrued interest later refunded, and are not subject to so that I will repay any unpaid accrued every six months and at the end of any rebate if I prepay my loan. interest and interest at the Variable Rate such Forbearance period or at the and of then in effect over the number of any such Forbearance period of less than H, PAYMENT RETURN FEE months remaining in the interest -only six months. payment period, with the payment 2. Residency or internship Deferment- if I am if I make r payment and that payment is in returned or refused by my bank for any reason, amount changing g in the months of an eligible health student enrolled in a 1 agree to pay a charge of up to $20.00 for each February, May, August and November, residency or internship program, I may payment so returned. as necessary. The statements that you request a Deferment under which I may send me will reflect any changes in the defer regularly scheduled payments after 1. CHARGES FOR OPTIONAL SERVICES amounts of my monthly interest -only the beginning of the Repayment Period. As payments. long as the residency or internship if I request and you agree to provide optional 5. Consecutive Monthly Payments - I will program is an approved program, you will services to me in connection with my loan, you make consecutive monthly payments automatically grant the Deferment. I may charge me and I agree to pay the fees for during the Repayment Period in the understand that no Deferment Fee is such services. The fee will be disclosed to me amounts, and on or before the payment assessed for a Residency or Internship before I accept any such service. Optional due dates, shown on my statements until I Deferment. You will capitalize unpaid services may include, but are not limited to: have paid all of the principal and interest accrued interest every 12 months and at (1) allowing me to make an expedited payment and any other fees, charges, and costs I the end of any such Deferment period or at on my loan; and (2) sending documents to me may owe under this Note. the end of any such Deferment period of by express delivery or facsimile transmission. 6. Amounts Owing at the End of the less than 12 months. Repayment Period - Since interest accrues 3. Hardship or Other Forbearance - I may J. RIGHT TO PREPAY daily upon the unpaid principal balance of request and you, at your sole discretion, I have the right to prepay all or any part of my my loan, if i make payments after my may grant me a Forbearance under which I loan at any time without penalty. payment due dates, I may owe additional may defer regularly scheduled payments principal and interest, fees and charges at after the beginning of the Repayment K. WHOLE LOAN DUE ; the end of the Repayment Period. In such Period. If I request such forbearance, i r a the additional amounts, agree to pay a Forbearance Fee, even if the Subject to applicable law, and the requirements case. I shall pay of Section 6.4 above, you have the right to give s and you may, but are not required to, Forbearance its not granted. The me notice that the whole outstanding principal ; lengthen the Repayment Period. Forbearance Fee will be disclosed to me balance, accrued interest, and all other 7. Minimum Payment - Notwithstanding prior to the Forbearance Fee being amounts payable to you under the terms of this paragraphs 3, 4 and 6 of this Section, 1 assessed. You will capitalize unpaid Note are due and payable at once and to cease agree to pay at least $50 per month, or the accrued interest at the end of any such to make any further disbursements to me, q: unpaid balance, whichever is less, on all Forbearance Period. 1. 1 fail to make any payment to you when my Signature Student Loans combined. p LATE CHARGE due; or 8. Application of Payments - Payments will be I will pay a Late Charge if I fail to make any part 2. 1 fail to provide a notice required in applied first to applicable fees, charges, of an installment payment within 15 days after paragraph 2 of Section M on time; or and costs then to accrued interest; and the it becomes due. The amount of the Late Charge x remainder to principal, as permitted by will be identified on my Disclosure. f Copyright 0 2000 -2007 Sallie Mae 3XSP0701 3. l break any of my other promises in this IMPORTANT INFOAMATiON NOTICE: Note; or ABOUT PROCEDURES FOR OPENING 4. Any bankruptcy proceeding is begun by or If you believe that any information about A NEW ACCOUNT against me, or I assign any of my assets to your loan that we have reported to a credit or for the benefit of my creditors, and such To help the government fight the funding of bureau is Inaccurate, write to us at P.O. proceeding has not been dismissed in 60 terrorism and money laundering activities, Box 9500 Wilkes Barre, PA 18706 -9700. days; or Federal law requires all financial institutions to obtain, verify, and record information 5.1 make any false written statement in that identifies each person who opens an 8. State Notices - I understand that the applying for this loan or at any time during account. following notices are required by or the Interim Period or Repayment Period; or necessary under state law and that these 6. The student borrower dies or any cosigner What this means forme: When i apply for t will for may not describe all of the rights a student loan, you w ask my name, dies; or address, date of birth, and other that I have under state and federal law. , osigners who 7, t am in default on any loans I may already information that will allow you to identify appli es Unless otherwise indicated each to borrowers and c each notice have with you, or on any loans I may have me. You may also ask to see my driver's live i the indicated state on the date that with you in the future. license or other identifying documents. It any of the listed events occur, I will be they signed the application and to required to pay interest on this loan accruing harrowers and cosigners who are afterwards at the Variable Rate applicable to i understand that the following notice is also residents of that state. this loan prior to such event. The Variable Rate required by federal lawandthatforpurposes of CAUEORNIA RESIDENTS ONLY: A married will be subject to adjustment in the same this notice, the words "you" and "yours" mean applicant may apply for a separate account. manner as before, the cosigner(s) who signed the application. CALIFORNIA and LUAHH RESIDE IS: As required by California and Utah law, I am L. COLLECTION COSTS NOTICE TO COSIGNER: hereby notified that a negative credit report Unless prohibited by applicable law, I agree to reflecting on my credit record may be pay you all amounts, including reasonable You are being asked to guarantee this submitted to a credit reporting agency if I attorneys' fees, and collection agency, court debt. Think carefully before you do. if the fail to fulfill the terms of my credit and other collection costs that you incur in borrower doesn't pay the debt, you will obligations. ff Be o. sure you can afford enforcing the terms of this Note (collectively, have d to pay It IOWA and KANSAS RESIDENTS ONLY For "Collection Cost"), The Collection Costs that I this responsibility. you have to, and that you want to accept purposes of this notice, the word "you" agree to pay also include fees and costs means the borrower and cosigner(s) incurred in connection with any appellate or You may have to pay up to the full amount NOTICE TO CONSUMER: 1. Do not sign bankruptcy proceedings. of the debt if the borrower does not pay. this paper before you read it. 2. You are You may also have to pay late fees or entitled to a copy of this paper. 3. You may M. NOTICES collection costs, which increase this prepay the unpaid balance at any time 1. Joint and Several Liability - Each borrower amount. without penalty and may be entitled to and cosigner is jointly and severally The lender can collect this debt tram you receive a refund of unearned charges in accordance with law. responsible for repaying the full amount without first trying to collect from the owed under this Note. borrower. The lender can use the same MARYLAND RESIDENTS ONLY elect 2. Change in Information - I will send written collection methods against you that can to make this loan pursuant to Subtitle 10 notice to you, or any subsequent holder of be used against the borrower, such as (Credit Grantor Closed End Credit this Note, within 10 days after any change suing you, garnishing your wages, etc. If provisions) of Title 12 of the Maryland in my name, address, telephone number or this debt is ever in default, that fact may Commercial Law Article only to the extent School enrollment status. become a part of your credit record. that such provisions are not inconsistent with your authority under federal law (12 3. Communications and Notices from You - This notice is not the contract that makes U,S.C. §85, §1463(8), or §1831d, as Any communication between you and any you liable for the debt. appropriate) and related regulations and borrower or cosigner will be binding on all interpretations, which authority you borrowers and cosigners. Any notice expressly reserve. required to be given to me by you will be I understand that the following notice is only MASSACF UaEjj$ RESIDENT$ ONLY: effective when mailed to the latest address applicable to loans issued to finance Massachusetts law prohibits discrimina- you have for me. educational expenses at for - profit educational tion based upon marital status or sexual 4. Reports to Credit Bureaus - You ma institutions or institutions otherwise subject to y entation. the FTC Holder Rule under 16 C.F.R. C33.2. report the status of this loan to the School § MISSOURI RESIDENTS ONLY: ORAL and to any credit bureaus. Late payments, missed payments, or other NOTICE: AGREEMENTS OR COMMITMENTS defaults on my account may be reflected TO LOAN MONEY, EXTEND CREDIT in my credit bureau report. ANY HOLDER OF THIS CONSUMER OR FORBEAR FROM ENFORCING 5. Not Negotiable - This is a non - negotiable CREDIT CONTRACT IS SUBJECT TO REPAYMENT OF DEBT INCLUDING consumer note. ALL CLAIMS AND DEFENSES WHICH PROMISES TO EXTEND OR RENEW 6. Not Dischargeable - This loan may not be THE DEBTOR COULD ASSERT SUCH DEBT ARE NOT ENFORCEABLE. dischargeable in bankruptcy. AGAINST THE SELLER OF GOODS OR TO PROTECT YOU (BORROWER(S)) 7. Federal Notices f understand that the SERVICES OBTAINED WITH THE AND US (CREDITOR) FROM MI$S- following notice is required by federal law PROCEEDS HEREOF, RECOVERY UNDERSTANDING OR DISAPPOINT - when a new account is opened: HEREUNDER BY THE DEBTOR SHALL MENT, ANY AGREEMENTS WE NOT EXCEED AMOUNTS PAID BY THE REACH COVERING SUCH MATTERS DEBTOR HEREUNDER. ARE CONTAINED IN THIS WRITING, WHICH IS THE COMPLETE AND I understand that the following notice is EXCLUSIVE STATEMENT OF THE permitted by federal law and that for purposes AGREEMENT BETWEEN US, EXCEPT of this notice, the word "we" means the Lender, AS WE MAY LATER AGREE IN its agents and any subsequent holder of this WRITING TO MODIFY IT. Note and the word "you" means the undersigned Borrower and Cosigner(s). s Copyright Q 2000 -2007 Sallie Mae 3XSP0701 NEVADA RESIDENTS ONLY: This is a loan N. WHEN BOUND; RIGHTS TO CANCEL this Note will be entered into in the same for study. 1. When Bound - I understand that when you State. Consequently, the provisions of NEW JERSEY RESIDENTS ONLY: The accept the attached application, you are this Note will be governed by federal laws section headings of the Nate are a table of not agreeing to lend me money and I am and the taws of that State to the extent not contents and not contract terms. Portions not bound by these credit terms, and preempted, without regard to conflict of of this Note with references to actions there will be no such agreement until the law rules. taken to the extent of applicable law apply later of the time the first disbursement of 4. Conflict Between Disclosure and Note - I to acts or practices that New Jersey law the loan is made or my right to cancel in understand and agree that if the permits or requires. in this Note, acts or paragraph 2 of this section has expired. information in my Disclosure conflicts with practices (i) by you which are or may be 2. My Right to Cancel this Note - Upon the information in this Note, the permitted by "applicable law` are permitted receipt of the Disclosure, I will review it information in my Disclosure shall apply by New Jersey law, and (ii) that may or will and if I am not satisfied with the terms of with respect to items required to be be taken by you unless prohibited by my loan as approved, I may cancel this disclosed under federal law. "applicable law" are permitted by New Note and all disbursements. To cancel 5. Failure to Receive Statement - My failure to Jersey law, this Note, I will call you at 1- 888.2SALLIE receive a statement does not relieve me of NEW YORK, RHODE ISLAND and within 5 business days of the date of the my obligation to make my required loan VERMONT RESIDENTS: I understand and Disclosure and 1 will not cash any loan payments in accordance with the terms agree that you may obtain a consumer checks, or if funds are transmitted and conditions of this Note. credit report in connection with this electronically or by muster check, I will 6. Waivers by Borrower and Cosigner, application and in connection with any instruct the School, within 5 business Consents; Responsibility for Repayment - I updates, renewals or extensions of any days of the date of the Disclosure, to waive any notice of dishonor, notice of credit as a result of this application. If I ask, return the funds to you. protest, presentment, demand for I will be informed whether or not such a 3. Your Right to Cancel this Note - I agree payment, and all other notices or demands report was obtained and, it so, the name that you may cancel this Note and all in connection with this Note. I consent to and address of the agency that furnished disbursements without advance notice to the addition of a party who will be liable the report. I also understand and agree that me if the Disclosure is returned as upon this loan or any other loans I have you may obtain a consumer credit report in undeliverable, for any reason, or if, in outstanding under the program, to any and connection with the review or collection of your sole discretion, whether based on all extensions, renewals, or releases of any any loan made to me as a result of this information provided by the School or party liable upon this loan or any other application or for other legitimate purposes otherwise, you reasonably conclude that loans I have outstanding under the related to such loans. the student borrower will not attend the program, and to any waiver or modification OHIO RESIDENTS ONLY: The Ohio laws School or that the proceeds of the loan that may be granted by you, all without against discrimination require that all are no longer needed to meet the affecting or releasing any borrower or creditors make credit equally available to all education costs of the student borrower at cosigner from such loans. My creditworthy customers, and that credit the School, responsibility for repaying this loan is not reporting agencies maintain separate credit 4, Your Right to Cancel Future Disburse- affected by the liability of any other person histories on each individual upon request. ments - You also have the right to cancel to you or by your failure to notify me that a The Ohio Civil Rights Commission any future disbursement, without payment has not been made. administers compliance with this law. advance notice to me, if: 7. Severability - If any provision of this Note is UTAH RESIDENTS ONLY: This Note is the (a) the student borrower ceases to be held invalid or unenforceable, that final expression of the agreement between entailed at least half time, it required, provision shalt be considered omitted from me and you and it may not be contradicted or to meet the restrictions for less this Note without affecting the validity or by evidence of an. alleged oral agreement. than half -time enrollment, If enforceability of the remainder of this Note. VERMONT RESIDENTS ONLY: For applicable: 8. Modification - Any provision of this Note purposes of this notice, the word "you" (b) an event occurs as described in may be modified if jointly agreed upon in means the Cosioner(s). NOTICE TO Section K: writing by you and any borrower or COSIGNER: YOUR SIGNATURE ON c) the student borrower or an cosigner cosigner. Any such modification does not ( Y require the consent of any other borrower THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT notifies you that he or she has or cosigner and will not affect the validity arranged for other financing for the or enforceability of the remainder of this OF THIS LOAN. iF THE BORROWER education costs to be paid for by this Note. DOES NOT PAY, THE LENDER HAS A loan or that he or she no longer wants y LEGAL RIGHT TO COLLECT FROM to repay the amount not yet disbursed: 9. Communications ptcC Under Federal Bank - YOU. (d) the classes in which the student you r Code —Any communication nd with borrower has enrolled have been you required or permitted Coe under the WISCONSIN RESIDENTS If i am a Federal Bankruptcy Code must be in married Wisconsin resident: (1) My cancelled or delayed: or writing, must include my account number, signature confirms that this loan obligation (e) the School ceases to be eligible to and must be sent to Sallie Mae, PO. Box is being incurred in the interest of my participate In the Signature Student 9400, Wilkes - Barre, PA 18773 -3800. marriage or family. (2) No provision of any Loan Program. 10. Receipt of Copy of Note - i acknowledge marital property agreement, unilateral that I have received a true and exact copy statement under §766.59 of the Wisconsin 0. ADDITIONAL AGREEMENTS of this Note. Statutes or court decree under §766.70 1 Amount Lent - You have the right to lend an adversely affects your interest. unless, prior g 11. No Assignment by Borrower or Cosigner; to the time that the loan is approved, you amount less than the Loan Amount Estate Bound - I may not assign this Note are famished with a copy of the marital Requested if the School certifies a lower or any of its benefits or obligations. The property agreement, statement. or decree cost of attendance. obligations of this Note will be binding on or have actual knowledge of the adverse 2. Rights of Assignee of Lender - You have my estate. provision. (3) My spouse has actual the right to assign this Note at any time. If 12, Waivers by You - By accepting past due knowledge that this credit is being this Note is assigned, the assignee will payments you do not waive or affect any extended to me and has waived become the owner of this Note and will right to accelerate this Note. Your failure to requirements of Wisconsin Statute Section have ail your rights to enforce this Note exercise any right hereunder does not 766.56(3)(b), as acknowledged by his or against me, constitute a waiver thereof. All waivers ; her signature on the Notice to Married 3. Governing Law - I understand that the must be in writing, f Wisconsin Residents that i received with Lender is located in the State listed in the # this Note. introductory paragraph of this Note and Copyright © 2000 -2007 Sallie Mae 3XSP0701 13. Suretyship - I hereby waive all my undertaken, relieves me of any obligation hereunder, but this Note will still bind the defenses to this Note based on suretyship, under this Note. borrower and any remaining cosigner 14. Use of Automated Telephone Dialing 2. Authorization - I authorize the School and 2. Release of Borrower - As cosigner, I agree Equipment; Calls to Cellular Telephones - I any custodian of the School's records to that it the borrower is released from liability consent to your use of automated release to you, the U.S. Department of on this loan for any reason, including telephone dialing equipment or an Education, the guarantor, if any, or their infancy, I hereby consent to such release artificial or pre - recorded voice message agents, any requested information and to my continued liability for this loan to contact me in connection with this loan pertinent to this loan (e.g., employment, after such release. or loan application. You may contact me enrollment status, current address) and at any telephone number I provided in the to advise you whether I am eligible for a S. ARBITRATION AGREEMENT application. future loan. I authorize you, your agents, To the extent permitted under federal law, you 15. Limits on Interest, Fees, Charges, or Costs and the guarantor or its agents, if any, to and I agree that either party may elect to - If a law which applies to this loan and check my credit and employment history arbitrate — and require the other parry to which sets maximum limits on interest, for this loan, for any future loans that arbitrate — any Claim under the following terms fees, charges, or costs is finally interpreted may be offered to me, for any updates, and conditions. This Arbitration Agreement is so that the interest, fees, charges, or costs renewals or extensions of this loan or part of the Signature Student Loan Promissory collected or to be collected in connection any future loans that may be offered to Note ( "Note"). with this loan exceed permitted limits, me, and for any review or collection of then: this loan or any future loans that may be 1. RIGHT TO REJECT: 1 may reject this (a) any such interest, fees, charges, or offered to me. I also authorize you, your Arbitration Agreement by mailing a g agents, and the guarantor or its agents, rejection notice to P.O. Box 147027 costs shall be reduced by the amount if any, to answer questions about your Gainesvitle FL, 32608 within 60 days necessary to comply with the permitted and their credit experience with me, and after the date of my first disbursement. limits; and to release the results of the credit review Any Rejection Notice most include my (b) any sums already collected from me process to the School or Its agents. I name, address, telephone number and which exceed permitted limits will be further authorize you to release any other loan or account number. refunded to me. You may choose to information on this loan to the School or 2. IMPORTANT WAIVERS: if you or I elect to make this refund by reducing the its agents, to other schools I have arbitrate a Claim, you and I both waive amounts I owe under this Note. attended for which I have taken out a the right to: (1) have a court or a jury student loan or their agents, to any decide the Claim; (2) PARTICIPATE IN A P CERTIFICATIONS, AUTHORIZATIONS subsequent holder of this Note, or its CLASS ACTION IN COURT OR IN AND CONSENT TO INFORMATION agents, and to the guarantor or its ARBITRATION, WHETHER AS A CLASS SHARING agents, if any. REPRESENTATIVE, CLASS MEMBER OR 1. Certification - I certify that the information 3. Borrower and Cosigner Consent to OTHERWISE, OR ACT AS A PRIVATE contained in Sections A, 8 and C of the Information Sharing. - I consent to the ATTORNEY GENERAL IN COURT OR IN application is true, complete and correct to sharing of any information about this ARBITRATION (THE `CLASS_ ACTION the best of my knowledge and belief and is loan with my parent, guardian, child, A� IVER "1; (3) join or consolidate made in good faith, that f am eligible for spouse or sibling who complies with Claim($) with claims involving any other this loan and that I will repay it according . your procedures unless I revoke this person; or (4) obtain information except to the terms of this Note. I understand and consent or unless prohibited by law. as provided herein. Other rights are more agree that my Lender is listed in the I understand that I may revoke this limited in arbitration than in court or are introductory paragraph of this Note. I consent by contacting the servicer at 1- not available In arbitration. hereby authorize the School, and if the 888- 2SALLIE or P.O. Box 9500, Wilkes- 3. DEFINITIONS: In this Arbitration School is closed, any third party, such as a Barre, PA 18773 -9500. Agreement, the following definitions will custodian, receiver, bankruptcy trustee, 4. What I Have Read - I also certify that: I apply: trustee for a performance bond or a tuition have read the materials explaining the loan "I," "me" and "my" mean each and every recovery fund, to pay to you any refund program that have been provided to me; i Borrower and Cosigner on the Note; the that may be due me up to the amount of have read, understand and agree to the Student on whose behalf the proceeds of this loan. I understand that I must provisions of the program, my the Nate have been advanced; and the immediately repay any funds that cannot responsibilities and my rights under this heirs, executors and assigns of all of the reasonably be attributed to meeting the program, the terms of this Note and this foregoing, "You," "your" and "yours" educational expenses of the student Certification and Consent to Information mean the Lender; any other subsequent borrower related to attendance at the Sharing." holder of this note; Sallie Mae; S LM School and I hereby authorize the School Financial Corporation; all of their parents, at its discretion to refund any portion of my loan that exceeds direct institutional 0. CORRECTION OF ERRORS wholly or majority owned subsidiaries and charges. At your option, and in accordance All parties to this Note agree to fully cooperate affiliates; any p redecessors, successors with the disbursement schedule and adjust all typographical, computer, and assigns of these entities; and all established by you and the School, you calculation or clerical errors discovered in any officers, directors, employees, agents and may either electronically transmit funds to or all of the loan documents including the representatives thereof. It also includes the School to be applied to my account. or Application, Note and Disclosure. In the event any party named as a co- defendant with if you issue checks, you may issue a this procedure is used, all parties involved will you in a Claim asserted by me, such as master check, payable to the School, and be notified and receive a corrected copy of the investors or potential investors, credit send it to the School, or you may issue a changed document. bureaus, credit insurance companies, check jointly payable to me and the School, closing agents, escrow agents, insurance and send it to the School. If funds are R. COSIGNER/BORROWER RELEASE agents, loan originators, rating agencies, Cosigner loan servicers, debt collectors, loan electronically transmitted, I hereby I. Release of authorize the School to transfer the funds Applicant - i agree guarantors, performance bond trustees, that, if any cosigner applicant fails to tuition recovery funds, the School, and any to my account at the School. I understand qualify for this loan, but you approve the of the School's financial aid offices or s that, except as otherwise provided herein, application on the basis of the officers. "Administrator" means, as neither the student borrower's failure to creditworthiness of the borrower and/or applicable., the American Arbitration complete the educational program that he any other cosigner applicant, then you Association, 335 Madison Avenue. New or she has undertaken, nor the student may release said cosigner applicant from York. NY 10017, www.adr.ora. (800) 778 - borrower's dissatisfaction with the the application and from any liability 7879, or the National Arbitration Forum. educational program that he or she has P.O. Box 50191, Minneapolis, MN 55405, www.arb- forum.com, (800) 474 -2371, Copyright (9) 2000-2007 Sallie Mae 3XSP0701 provided that the Administrator must not motions in the lawsuit. If such a notice is 9. GOVERNING LAW: This Arbitration have in place a formal or informal policy given, the Claim shall be resolved by Agreement is made pursuant to a that is inconsistent with and purports to arbitration under this Arbitration Agree- transaction involving interstate commerce override the terms of this Arbitration ment and the applicable rules of the and shall be governed by the FAA, and not Agreement. The party bringing a Claim Administrator then in effect. The arbitrator by any state law concerning arbitration. selects the Administrator. You expect to will be selected under the Administrator's The arbitrator shall follow applicable routinely select National Arbitration Forum rules, except that the arbitrator must be a substantive law to the extent consistent for collection actions you bring. lawyer with at least ten years of experience with the FAA, applicable statutes of 4. "CLAIM" means any legal claim, dispute or a retired judge, unless you and I agree limitation and applicable privilege rules, or controversy between you and me that otherwise• and shall be authorized to award all arises from or relates in any way to the 6. LOCATION AND COSTS: Any arbitration remedies permitted by applicable Note, including any dispute arising before hearing that I attend will take place in a substantive law, including, without the date of this Arbitration Agreement and location that is reasonably convenient to u niti ion, compensatory, statutory and p any dispute relating to; (1) fees, charges me. You will consider (and generally punitive damages (subject to constitutional limits that would apply i or other provisions of the Note; (2) any honor) any good faith request to bear the application, disclosure or other document fees charged by the Administrator and the court), declaratory, injunctive and other equitable relief, and attorneys' fees and relating in any way to the Note or the arbitrator. Each parry must pay the cow Upon the y transactions evidenced by the Note; (3) expense of that party's attorneys, experts timely request of either s party, the arbitrator shall write a brief any insurance or other service or product and witnesses, regardless of which party explanation of the basis of his or her offered or made available by or through prevails in the arbitration. Despite the award. The arbitrator will follow rules of you in connection with the Note, and any foregoing, you will pay any fees you are procedure and evidence consistent with associated fees or charges; and (4) any required to bear: (1) under applicable law; the FAA, this Arbitration Agreement and documents, instruments, advertising or or (2) in order to enforce this Arbitration the Administrator's rules. promotional materials that contain Agreement. information about the Note or any 7 • DISCOVERY; GETTING INFORMATION: 10, SURVIVAL, SEVERABILITY, PRIMACY: associated insurance or other service or Either party may obtain from the other This Arbitration Agreement shall survive product. This includes, without limitation, my full payment of the Note; your sale or party prior to the hearing any information disputes concerning the validity, available under the Administrator's rules transfer of the Note; any legal proceeding enforceability, arbitrability or scope of this or any Information the arbitrator to collect a debt owed by me; any Arbitration Agreement or the Note determines should be made available. bankruptcy or insolvency; any Forbear - disputes involving alleged fraud or ante or Modification granted pursuant to misrepresentation, breach of contract, 8. EFFECT OF ARBITRATION AWARD: Any the Note; any cancellation, or request for negligence or violation of statute, court with jurisdiction may enter judgment cancellation, of the Note or of any or all regulation or common law; and disputes upon the arbitrator's award. The disbursements under the Note; and any involving requests for injunctions or other arbitrator's award will be final and binding, change in the School enrollment status of equitable relief. However, "Claim" does except for: (1) any appeal right under the the Student. If any portion of this not include any individual action brought Federal Arbitration Act, 9 U.S.C. § §1 et Arbitration Agreement cannot be enforced, by me in small claims court or my state's seq. (the "FAA "); and (2) Claims involving the rest of the Arbitration Agreement will equivalent court, unless such action is more than $50,000. For Claims involving continue to apply, provided that the entire transferred, removed, or appealed to a more than $50,000, any party may appeal Arbitration Agreement shall be null and different court. Also, "Claim" does not the award to a three - arbitrator panel void if the Class Action Waiver is held to Include any challenge to the validity and appointed by the Administrator, which will be invalid regarding any class or effect at the Class Action Waiver, which reconsider de novo any aspect of the initial representative Claim, subject to any right must be decided by a court. award that is appealed. The panel's to appeal such holding. In the event of any 5. STARTING AN' ARBITRATION: To initiate decision will be final and binding, except conflict or inconsistency between this you or I must give written for any appeal right underthe FAA. Except Arbitration Agreement and the an arbitration, notice of io election to arbitrate. This as provided above, the appealing party will Administrator's rules or the Note, this notice may be given otter a lawsuit has pay the Administrator's and arbitrator's Arbitration Agreement will govern. been filed and may be given in papers or costs of the appeal. Copyright 4 2000 -2007 Sallie Mae 3XSP0701 Blatt, Hasenmiller, Leibsker & Moore, LLC Attorney for Plaintiff, Morris Scott Attorney I.D_ #83587 SLM EDUCATION CREDIT FINANCE CORPORATION Syretta Martin Attorney I.D. #309370 1835 Market Street, Suite 501 Philadelphia, PA 19103 215- 564 -1567 SLM EDUCATION CREDIT FINANCE CORPORATION c/o Blatt, Hasenmiller, Leibsker & Moore, LLC IN THE COURT OF COMMON PLEAS 1835 Market Street, Suite 501 Philadelphia, PA 19103 CUMBERLAND COUNTY, PA Plaintiff, CIVIL ACTION s� MELISSA A CASE vs. No. 4 NORTHVIEW DR CARLISLE PA 17013 -9654 Defendant(s). PRAECIPE TO ENTER APPEARANCE TO THE PROTHONOTARY: Kindly ENTER my appearance in the above - captioned matter on behalf of PLAINTIFF SLM EDUCATION CREDIT FINANCE CORPORATION. ; . Papers may be served at the address set forth below: r try cn r Blatt, Hasenmiller, Leibsker & Moore, LLC <.� I-- I C: 1835 Market Street, Suite 501 Philadelphia, PA 19103 C*' �t C N CD Telephone Number: 1- 215- 564 -1567 BLATT, HASENMILLER, LEIBSKER & MOORE, LLC Dated: January 27, 2014 By: �/ - Morris Scott Attorney Syretta Martin Attorney 2855953 PPTXPEAI (11/18/2013) I IIIIIIII VIII IIII IIIIII II IIIIII VIII IIIN VIII VIII VIII VIII IIII VIII IIII SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson r E L -OF j r _ Sheriff HE PRO JH0 CfAii Jody S Smith Chief Deputy 2014 FEB 14 PM 1`. 20 Richard W Stewart ^ CUNT t Solicitor ry PENNSYLVANIA SLM Education Credit Finance Corp. vs. Case Number Melissa A Case 2014-651 SHERIFF'S RETURN OF SERVICE 02/06/2014 09:42 AM - Deputy Shawn Gutshall, 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: Melissa A Case at 4 North View Drive, North Middleton Township, Carlisle, PA 17013. �lgi// n GUTSHALL, DEPUTY SHERIFF COST: $34.78 SO ANSWERS, } February 07, 2014 RONNY R ANDERSON, SHERIFF SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff :J{J4':ILIHrP611'-'"Joy S Smith Chief Deputy FIEE'E3PLI 2 8 Richa rd W Stewart Solicitor CUMBERLAND COUNT Y PENNSYLVANIA JPMorgan Chase Bank, N.A. vs. Case Number Douglas Heffernan-Heisen (et al.) 2013-6765 SHERIFF'S RETURN OF SERVICE 01/28/2014 07:40 PM - Deputy Valerie Weary, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by handing a true copy to a person representing themselves to be Lauren Lightner, girlfriend, who accepted as"Adult Person in Charge"for Douglas Heffernan-Heisen at 2218 Ritner Highway, Dickinson Highway, Carlisle, PA 17013. VALERIE WEARY, PUTY SHERIFF COST: $34.78 SO ANSWERS, January 31, 2014 RONR ANDERSON, SHERIFF SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff 0, Jody S Smith Chief Deputy Richard W Stewart Solicitor JPMorgan Chase Bank, N.A. vs. Case Number Douglas Heffernan-Heisen (et al.) 2013-6765 SHERIFF'S RETURN OF SERVICE 11/18/2013 Ronny R Anderson, Sheriff, who being duly sworn according to law, states that he served the within Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure upon the within named defendant, Douglas Heffernan-Heisen, in the following manner: On November 18, 2013 the Sheriff mailed by certified mail, return receipt requested a true and correct copy of the within Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure to the defendant's last known address of 124 Brookstone Drive, Princeton, NJ 08540. The certified mail return receipt card was received by the Cumberland County Sheriff's Office signed by Joann Heisen, adult in charge on November 25, 2013. 11/18/2013 Ronny R Anderson, Sheriff, who being duly sworn according to law, states that he served the within Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure upon the within named defendant, Courtner Leigh Heisen, in the following manner: On November 18, 2013 the Sheriff mailed by certified mail, return receipt requested a true and correct copy of the within Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure to the defendant's last known address of 139 West 15th Street,Apt. 3R, New York, NY 10011. The certified mail return receipt card was never received by the Cumberland County Sheriff's Office and according to USPS.com the Complaint was unclaimed as of December 8, 2013. 11/18/2013 Ronny R Anderson, Sheriff, who being duly sworn according to law, states that he served the within Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure upon the within named defendant, Courtner Leigh Heisen, in the following manner: On November 18, 2013 the Sheriff mailed by certified mail, return receipt requested a true and correct copy of the within Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure to the defendant's last known address of 124 East 24th Street,Apt. 2K, New York, NY 10010. The certified mail return receipt card was never received by the Cumberland County Sheriff's Office and according to USPS.com the Complaint was unclaimed as of December 8, 2013 and the envelope was returned to this office on January 16, 2014. 11/19/2013 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Courtney Leigh Heisen, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as"Not Found"at 807 Stratford Drive, Carlisle Borough, Carlisle, PA 17013. Residence is vacant. 11/19/2013 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Douglas Heffernan-Heisen, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure as"Not Found"at 807 Stratford Drive, Carlisle Borough, Carlisle, PA 17013. Residence is vacant. SHERIFF COST: $129.23 SO ANSWERS, January 31, 2014 RON6R ANDERSON, SHERIFF USPS.com® - USPS TrackingTM Page 1 of 1 English Customer Service USPS Mobile Register!Sign In P. USPS.COMM Search USPS.com or Track Packages gtrick Tools hack Ship a Package Send Mail Manage Your Mail Shop Business Solutions Enter up to 10 Tracking Wind Find t.JSPS L eculionv Buy Stamps . Setic.itiie n l kop F ' SPS TrackingTM I Customer Service H I l l Mao l ..«.v Have questions?We're here to help. Chahar:of Aathess Tracking Number:70070710000322103757 Your item was returned to the sender on December 8,2013 at 1:17 pm in NEW YORK,NY 10011 because it was not claimed by the addressee.Additional information for this item is stored in files offline. Requested label is archived. Restore Archived Details) Product & Tracking Information Available Options Postal Product: Features: Certified Mail' DATE&TIME STATUS OF ITEM • LOCATION December 8,2013,1:17 pm Unclaimed NEW YORK,NY 10011 Track Another Package What's your tracking(or receipt)number? Track It LEGAL ON USPS.COM ON ABOUT.USPS.COM OTHER USPS SITES Privacy Policy` Government Services, About USPS Home, Business Customer Gateway leans of Use: Buy Stamps E.Shop: Newsroom• Postal ospenera F'��lA' Print a Label wan Postage, USPS Service Alerts, Inspector General No FEAR Act EEO Data> Customer Service, Forms F.Publications, Postal Explorer t Delivering Solutions to the last Mile, Careers Site Index USPS.COM' Copyrights 2014 USPS.All Rights Reserved https://tools.usps.com/go/TrackConfirmAction!input.action?tRef=qt&tLc=1&tLabels=7007... 1/8/2014 Kauffman, Ann From: US_Postal_Service @usps.com Sent: Wednesday,January 08, 2014 12:57 PM To: Kauffman, Ann Subject: U.S. Postal Service Track &Confirm email Restoration - 70070710000322103757 This is a post-only message. Please do not respond. Ann Kauffman has requested that you receive this restoration information for Track & Confirm as listed below. Current Track & Confirm e-mail information provided by the U.S. Postal Service. Label Number: 70070710000322103757 Service Type: Certified Mar" Shipment Activity Location Date &Time Unclaimed NEW YORK NY 10011 December 8, 2013 1:17 pm Notice Left NEW YORK NY 10011 November 21, 2013 3:44 pm Out for Delivery NEW YORK NY 10011 November 21, 2013 11:14 am Sorting Complete NEW YORK NY 10011 November 21, 2013 11:04 am Arrival at Unit NEW YORK NY 10011 November 21, 2013 7:22 am USPS has not verified the validity of any email addresses submitted via its online Track & Confirm tool. For more information, or if you have additional questions on Track& Confirm services and features, please visit the Frequently Asked Questions (FAQs) section of our Track & Confirm tool at http://www.usps.com/shipping/trackandconfirmfags.htm. 1 USPS.com® - USPS TrackingTM Page 1 of 1 English Customer Service USPS Mobile Register!Sign In USPS.Cuivi Search USPS.cnm or Track Packages rluick Tools Ship a Package Send Mail Manage Your Mail Shop up to 10 Tracking'Find p Business Solutions Eintl USPS Loc,rhoms Buy,Siainns he Mlle t 14ip US TrackingTM Customer Service Have uestions?We're here to help. n i'M go of Audi ss uw,.�w„" 4 Tracking Number:70070710000322103764 Your item was returned to the sender on December 31,2013 at 10:53 am in NEW YORK,NY 10010 because the addressee moved and left no forwarding address.Additional information for this item is stored in files offline. Requested label is archived. Restore Archived Details s Product & Tracking Information Available Options Postal Product: Features: Certified Mail," DATE&TIME STATUS OF ITEM LOCATION December 31,2013,10:53 Moved,Left no am Address NEW YORK,NY 10010 Track Another Package What's your tracking(or receipt)number? _._...._.__._, Track It LEGAL ON USPS.COM ON ABOUT.USPS.COM OTHER USPS SITES Privacy Policy; (3overnrnent Services, About LISPS Home, 7arm_.cr Use Buy Stamps&Shop, Business Customer Gateway, Newsroom; Postal Inspectors■ r0IA' Print a Label with Postage, USPS Service Alerts> No FEAR Art EEC Data r Customer Service: spax General, Forms&Publications P nns: Postal t E Explorer Delivering Solutions to the Last b.9ilr., Careers Site Index N2 USPS.COM" Copyright'2014 COPS.All Rights Reserved. https://tools.usps.com/go/TrackConfirmAction.action?tRef=fullpage&tLc=1&tLabels=7007... 1/8/2014 Kauffman, Ann From: US_Postal_Service @usps.com Sent: Wednesday,January 08, 2014 12:58 PM To: Kauffman, Ann Subject: U.S. Postal Service Track &Confirm email Restoration - 70070710000322103764 This is a post-only message. Please do not respond. Ann Kauffman has requested that you receive this restoration information for Track & Confirm as listed below. Current Track & Confirm e-mail information provided by the U.S. Postal Service. Label Number: 70070710000322103764 Service Type: Certified Mail TM Shipment Activity Location Date &Time Moved, Left no Address NEW YORK NY 10010 December 31, 2013 10:53 am Undeliverable as Addressed NEW YORK NY 10010 December 31, 2013 10:53 am Undeliverable as Addressed NEW YORK NY 10010 December 31, 2013 10:35 am Unclaimed NEW YORK NY 10010 December 10, 2013 8:17 pm Out for Delivery NEW YORK NY 10010 November 22, 2013 10:56 am Sorting Complete NEW YORK NY 10010 November 22, 2013 10:46 am Arrival at Unit NEW YORK NY 10010 November 22, 2013 10:45 am Processed through USPS Sort Facility NEW YORK NY 10199 November 22, 2013 5:41 am Depart USPS Sort Facility NEW YORK NY 10199 November 21, 2013 Processed through USPS Sort Facility NEW YORK NY 10199 November 21, 2013 6:42 pm Depart USPS Sort Facility HARRISBURG PA 17107 November21, 2013 Processed through USPS Sort Facility HARRISBURG PA 17107 November 20, 2013 8:08 pm USPS has not verified the validity of any email addresses submitted via its online Track & Confirm tool. For more information, or if you have additional questions on Track & Confirm services and features, please visit the Frequently Asked Questions (FAQs) section of our Track & Confirm tool at http://www.usps.com/shipping/trackandconfirmfacis.htm. 1 SENDER: COMPLETE THIS SECTION COMPLETE THIS SECTION ON DELIVERY • Complete items 1,2,and 3.Also complete A. Signature item 4 if Restricted Delivery is desired. / ❑- Agent • Print your name and address on the reverse � .ri. ,I u ❑Addressee so that we can return the card to you. B. ;-.;1.by pn _. f, e) C. Date of Delivery • Attach this card to the back of the mail iece, _ ' or on the front if space permits. p 0,r pJ I SF Z1� D. Is d=1 ay address different from item��0 Yes I 1. Article Addressed to: If YES,enter delivery address below: ❑No Douglas Heffernan Heisen ad/ 2 / ) 124 Brookstone Drive s Service Toe Princeton, Ni 08540 ❑Certified Mail ❑Express Mall ❑Registered ❑Return Receipt for MerchandM ❑Insured Mail ❑C.O.D. 4. 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Blatt, Hasenmiller, Leibsker & Moore, LLC Morris Scott Attorney ID. #83587 Syretta Martin Attorney I.D. #309370 1835 Market Street, Suite 501 Philadelphia, PA 19103 800-850-1079 Attorney for Plaintiff, SLM EDUCATION CREDIT FINANCE CORPORATION SLM EDUCATION CREDIT FINANCE CORPORATION c/o Blatt, Hasenmiller, Leibsker & Moore, LLC 1835 Market Street, Suite 501 Philadelphia, PA 19103 VS. MELISSA A CASE 4 NORTHVIEW DR CARLISLE PA 17013-9654 Plaintiff, Defendant(s). IN THE COURT OF COMMON PLEAS C) CUMBERLAND COUNTY, PA CIVIL ACTION No. 14-651 C-) 5."?. —K %.1:3 PRAECIPE FOR ENTRY OF JUDGMENT BY DEFAULT FOR FAILURE TO PLEAD TO THE PROTHONOTARY: Kindly ENTER a Judgment by Default For Failure to Plead in favor of the plaintiff and against the Defendant MELISSA A CASE in this matter in the amount of $3,291.33 plus court costs. I also hereby certify that a true and correct copy of the Notice required by Pa.R.C.P. 237.1(a)(2) was mailed separately to each defendant on 02-28-14 by regular mail. A true and correct copy of each Notice is attached hereto. Dated: March 11, 2014 By: 1247.:;‘,1 111111111111111111111111111111111111111111111111111111111111111111111111111 Respectfully submitted, BLATT, HASENMILLER, LE BSKER & MOORE, LLC Morri Syret cott a Martin 11/). CO4 91)1J -ca (-1-4k92 3e) CD Blatt, Hasenmiller, Leibsker & Moore, LLC Morris Scott Attorney ID. #83587 Syretta Martin Attorney I.D. #309370 1835 Marke Street, Suite 501 Philadelphia, PA 19103 800-850-1079 Attorney for sLM EDUCATION CREDIT FINANCE CORPORATION SLM EDUCATION CREDIT FINANCE CORPORATION c/o Blatt, HoaennniUe[Leibaker& Moore, LLC 1835 Market Street, Suite 501 Phi|ade|phia, PA 19103 va. MELISSA A CASE 4NORTHV|BW DR CARLISLE PA 17013-9654 Plaintiff, Defendant(s). IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PA CIVIL ACTION No. 14-651 AFFIDAVIT OF NON-MILITARY SERVICE COMMON WEALTH OF PENNSYLVANIA: County of Cumberland: I, Morris Scott/Syretta Martin, being duly sworn according to law, depose and say I am the attorney for Plaintiff and I am authorized to make this affidavit on Plaintiff's behalf. I hereby certify that the Defendant(s) is at least 18 years of age and not in the Military Service of the United States, nor any State or Territory thereof or its allies as defined in the Servicemembers' Civil Relief Act of 2004 and any amendments thereto. See Defendant(s) Military Status Report pursuant to 50 U.S.C. App. Section 521, 525 which was obtained from the Department of Defense Manpower Data Center (httpo://vmxwv.dmdo.omd.nniKepp]/ocra/). I also herby certify that the statements made in the foregoing Affidavit of Non-Military Service are true and correct to the best of my infonnetion, hnmw|adge, and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S.A. Section 4904 relating to unsworn falsification to authorities. Dated: March 11, 2014 By: 859� PPQ�AM| (06/28/2013) |0UQNNN�NNU0UUUNDN0|NNNU/U80�|0�80|U|KU| ||UU|U|||U|UUUUUUN�||||UU|0||�U||U|�|U||0U|||U|U|U|U||UU||U|U|UU| & MOORE, LLC K8o Scott Syr tta Martin Department of Defense Manpower Data Center Results as of : Mar-11-2014 04:00:26 AM SCRA 3.0 Status Report Pursuant to Servicernembers Civil Relief Act Last Name: CASE First Name: MELISSA Middle Name: Active Duty Status As Of: Mar-11-2014 On Active Duty On Active Duty Status Date Active Duty Start Dale Active Duty End Date Status Service Component NA • , Ne' ,,,, :, _ ... No '. NA This response refleilhe Individuals' active duly status bad on the Active Duty Status Date • Len Active Duty Within 367 Days of Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA • NA ' , • NA This response reflects Where the individual left active'djtY status within 367 days preceding the Active Duty Status Date The Member or HisHer Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA ‘ NA 3. 'ir- ....... NA This response reflects whether the individual or his/her unit has received early e notification to report for active duty - - Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. Mary M. Snavely-Dixon, Director Department of Defense - Manpower Data Center 4800 Mark Center Drive, Suite 04E25 Arlington, VA 22350 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 501 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil" URL: http: / /www.defenselink.mil /faq /pis /PC09SLDR.html. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 521(c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate, SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN /date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Certificate ID: 78D54950V09EAC0 SLM EDUCATION CREDIT FINANCE CORPORATION Plaintiff, vs. MELISSA A CASE 4 NORTHVIEW DR CARLISLE PA 17013 -9654 Defendant(s). IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PA CIVIL ACTION No. 14 -651 TO: MELISSA A CASE Date of Notice: February 28, 2014 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. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 267 -2032 By: BLATT, HASENMILL KER & MOORE, LLC Morris cott Syretta Martin 1835 Market Street, Suite 501 Philadelphia, PA 19103 800 - 850 -1079 This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 2855953 PPTNLRSI 101111111111113111111111111111111111111111111101111111111111 SLM EDUCATION CREDIT FINANCE CORPORATION VS. MELISSA A CASE 4 NORTHVIEW DR CARLISLE PA 17013 -9654 Plaintiff, Defendant(s). IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PA CIVIL ACTION No. No. 14 -651 TO: MELISSA A CASE NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Default Judgment has been entered against you in the above proceeding. Dated: 4n/v ray: PROTHONOTARY IF YOU HAVE ANY QUESTIONS CONCERNING THE ABOVE, PLEASE CONTACT: Attorney of Record for Plaintiff: Blatt, Hasenmiller, Leibsker & Moore, LLC Morris Scott Attorney I.D. #83587 Syretta Martin Attorney I.D. #309370 1835 Market Street, Suite 501 Philadelphia, PA 19103 800 - 850 -1079 59 P285PTND53 JNI 1 1111111 111111 1111 11 1 11 111111 111 11111 1111111111 1111111111 11111 11111 I I I I I H I